| 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 | 16.6325% | 55 |
| Cost of funding earning assets | 3.5348% | 72 |
| Net interest margin | 13.0977% | 17 |
| Noninterest income to average assets | 7.4300% | 100 |
| Noninterest expense to average assets | 11.3495% | 107 |
| Loan and lease loss provision to assets | 0.9200% | 77 |
| Net operating income to assets | 5.3227% | 70 |
| Return on assets (ROA) | 5.3269% | 71 |
| Pretax return on assets | 7.0445% | 66 |
| Return on Equity (ROE) | 70.5600% | 24 |
| Retained earnings to average equity (ytd only) | 25.4955% | 67 |
| Net charge-offs to loans | 2.4233% | 36 |
| Credit loss provision to net charge-offs | 78.8561% | 2,031 |
| Earnings coverage of net charge-offs (x) | 6.8413% | 2,443 |
| Efficiency ratio | 58.7010% | 3,221 |
| Assets per employee ($millions) | 86.2720% | 24 |
| Cash dividends to net income (ytd only)* | 63.8689% | 1,048 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7050% | 648 |
| Loan loss allowance to noncurrent loans | 212.6631% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3456% | 1,580 |
| Noncurrent loans to loans | 0.8018% | 968 |
| Net loans and leases to total assets | 42.3700% | 3,955 |
| Net loans and leases to deposits | 55.9349% | 3,712 |
| Net loans and leases to core deposits | 66.0695% | 3,494 |
| Total domestic deposits to total assets | 75.6100% | 3,977 |
| Equity capital to assets | 8.4135% | 3,112 |
| Core capital (leverage) ratio | 10.2137% | 2,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2736% | 1,211 |
| Memoranda: |
| Average total assets | $6,613,251,800 | 221 |
| Average earning assets | $5,994,163,400 | 223 |
| Average equity | $499,240,600 | 263 |
| Average total loans | $3,173,773,800 | 289 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 16.9152% | 50 |
| Cost of funding earning assets | 3.3863% | 70 |
| Net interest margin | 13.5289% | 13 |
| Noninterest income to average assets | 7.2700% | 103 |
| Noninterest expense to average assets | 11.5573% | 104 |
| Loan and lease loss provision to assets | 1.1800% | 47 |
| Net operating income to assets | 5.0762% | 74 |
| Return on assets (ROA) | 5.0636% | 74 |
| Pretax return on assets | 6.7370% | 68 |
| Return on Equity (ROE) | 69.2300% | 39 |
| Retained earnings to average equity (ytd only) | 36.9701% | 55 |
| Net charge-offs to loans | 2.6152% | 33 |
| Credit loss provision to net charge-offs | 91.6689% | 1,685 |
| Earnings coverage of net charge-offs (x) | 6.1522% | 2,313 |
| Efficiency ratio | 59.2030% | 3,062 |
| Assets per employee ($millions) | 86.9542% | 23 |
| Cash dividends to net income (ytd only)* | 46.6004% | 1,394 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7368% | 658 |
| Loan loss allowance to noncurrent loans | 309.7213% | 1,979 |
| Noncurrent assets plus other real estate owned to assets | 0.2786% | 1,892 |
| Noncurrent loans to loans | 0.5607% | 1,429 |
| Net loans and leases to total assets | 48.8200% | 3,692 |
| Net loans and leases to deposits | 61.6248% | 3,427 |
| Net loans and leases to core deposits | 79.2152% | 2,655 |
| Total domestic deposits to total assets | 79.0400% | 3,688 |
| Equity capital to assets | 6.4723% | 3,840 |
| Core capital (leverage) ratio | 10.1987% | 2,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8320% | 1,617 |
| Memoranda: |
| Average total assets | $6,497,989,000 | 227 |
| Average earning assets | $5,872,038,000 | 226 |
| Average equity | $475,251,750 | 278 |
| Average total loans | $3,204,856,500 | 291 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 17.3341% | 48 |
| Cost of funding earning assets | 3.1882% | 65 |
| Net interest margin | 14.1459% | 15 |
| Noninterest income to average assets | 7.5700% | 97 |
| Noninterest expense to average assets | 11.6852% | 99 |
| Loan and lease loss provision to assets | 1.7000% | 34 |
| Net operating income to assets | 5.2411% | 66 |
| Return on assets (ROA) | 5.2464% | 67 |
| Pretax return on assets | 6.9170% | 60 |
| Return on Equity (ROE) | 68.6500% | 35 |
| Retained earnings to average equity (ytd only) | 51.8417% | 31 |
| Net charge-offs to loans | 3.2725% | 27 |
| Credit loss provision to net charge-offs | 105.3603% | 1,404 |
| Earnings coverage of net charge-offs (x) | 5.3472% | 2,173 |
| Efficiency ratio | 57.4997% | 3,257 |
| Assets per employee ($millions) | 83.1639% | 23 |
| Cash dividends to net income (ytd only)* | 24.4789% | 2,276 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.1875% | 313 |
| Loan loss allowance to noncurrent loans | 301.5771% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.3408% | 1,555 |
| Noncurrent loans to loans | 0.7254% | 1,031 |
| Net loans and leases to total assets | 45.9600% | 3,797 |
| Net loans and leases to deposits | 56.9112% | 3,592 |
| Net loans and leases to core deposits | 72.6570% | 2,977 |
| Total domestic deposits to total assets | 80.5700% | 3,489 |
| Equity capital to assets | 7.5623% | 3,488 |
| Core capital (leverage) ratio | 10.7170% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8689% | 1,344 |
| Memoranda: |
| Average total assets | $6,229,267,333 | 229 |
| Average earning assets | $5,602,466,667 | 235 |
| Average equity | $476,087,333 | 270 |
| Average total loans | $3,063,624,333 | 289 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 18.1735% | 7 |
| Cost of funding earning assets | 2.9398% | 40 |
| Net interest margin | 15.2337% | 7 |
| Noninterest income to average assets | 7.8000% | 100 |
| Noninterest expense to average assets | 12.1073% | 97 |
| Loan and lease loss provision to assets | 2.5700% | 16 |
| Net operating income to assets | 5.0410% | 76 |
| Return on assets (ROA) | 5.0621% | 76 |
| Pretax return on assets | 6.7385% | 68 |
| Return on Equity (ROE) | 65.8300% | 49 |
| Retained earnings to average equity (ytd only) | 65.8287% | 29 |
| Net charge-offs to loans | 3.9177% | 26 |
| Credit loss provision to net charge-offs | 130.0065% | 1,005 |
| Earnings coverage of net charge-offs (x) | 4.6946% | 1,847 |
| Efficiency ratio | 56.5156% | 3,355 |
| Assets per employee ($millions) | 78.1026% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.5672% | 209 |
| Loan loss allowance to noncurrent loans | 229.5579% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 1,001 |
| Noncurrent loans to loans | 1.1183% | 636 |
| Net loans and leases to total assets | 45.0800% | 3,820 |
| Net loans and leases to deposits | 52.2690% | 3,778 |
| Net loans and leases to core deposits | 71.8063% | 2,833 |
| Total domestic deposits to total assets | 86.0600% | 2,568 |
| Equity capital to assets | 7.7373% | 3,419 |
| Core capital (leverage) ratio | 11.0125% | 1,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1955% | 1,330 |
| Memoranda: |
| Average total assets | $5,892,600,000 | 252 |
| Average earning assets | $5,258,136,000 | 251 |
| Average equity | $453,133,500 | 284 |
| Average total loans | $2,973,917,500 | 302 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.5344% | 7 |
| Cost of funding earning assets | 1.2357% | 62 |
| Net interest margin | 19.2987% | 7 |
| Noninterest income to average assets | 8.9500% | 106 |
| Noninterest expense to average assets | 19.7694% | 71 |
| Loan and lease loss provision to assets | 2.2000% | 19 |
| Net operating income to assets | 3.3900% | 94 |
| Return on assets (ROA) | 3.3418% | 93 |
| Pretax return on assets | 4.4720% | 80 |
| Return on Equity (ROE) | 43.0800% | 46 |
| Retained earnings to average equity (ytd only) | 18.2495% | 130 |
| Net charge-offs to loans | 2.5750% | 23 |
| Credit loss provision to net charge-offs | 135.3290% | 1,368 |
| Earnings coverage of net charge-offs (x) | 4.1460% | 2,428 |
| Efficiency ratio | 74.5841% | 1,161 |
| Assets per employee ($millions) | 63.1272% | 27 |
| Cash dividends to net income (ytd only)* | 57.6382% | 1,049 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.3149% | 258 |
| Loan loss allowance to noncurrent loans | 100.0821% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.2861% | 281 |
| Noncurrent loans to loans | 2.3130% | 217 |
| Net loans and leases to total assets | 54.3200% | 3,169 |
| Net loans and leases to deposits | 61.7435% | 3,218 |
| Net loans and leases to core deposits | 80.0511% | 2,132 |
| Total domestic deposits to total assets | 87.7800% | 2,150 |
| Equity capital to assets | 7.6318% | 3,303 |
| Core capital (leverage) ratio | 10.2249% | 2,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1556% | 1,587 |
| Memoranda: |
| Average total assets | $5,191,671,400 | 268 |
| Average earning assets | $4,720,005,600 | 264 |
| Average equity | $402,728,400 | 305 |
| Average total loans | $3,272,554,600 | 264 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.1497% | 6 |
| Cost of funding earning assets | 0.8802% | 113 |
| Net interest margin | 19.2695% | 6 |
| Noninterest income to average assets | 8.9000% | 107 |
| Noninterest expense to average assets | 21.6511% | 68 |
| Loan and lease loss provision to assets | 1.8300% | 19 |
| Net operating income to assets | 2.3834% | 168 |
| Return on assets (ROA) | 2.3178% | 183 |
| Pretax return on assets | 3.0309% | 130 |
| Return on Equity (ROE) | 29.7600% | 107 |
| Retained earnings to average equity (ytd only) | 26.4408% | 41 |
| Net charge-offs to loans | 2.0176% | 26 |
| Credit loss provision to net charge-offs | 139.8755% | 1,154 |
| Earnings coverage of net charge-offs (x) | 3.7754% | 2,198 |
| Efficiency ratio | 81.4014% | 689 |
| Assets per employee ($millions) | 66.0239% | 28 |
| Cash dividends to net income (ytd only)* | 11.1398% | 2,806 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.7073% | 862 |
| Loan loss allowance to noncurrent loans | 104.5527% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 1.0008% | 444 |
| Noncurrent loans to loans | 1.6330% | 409 |
| Net loans and leases to total assets | 60.2400% | 2,478 |
| Net loans and leases to deposits | 68.0631% | 2,531 |
| Net loans and leases to core deposits | 90.0931% | 1,290 |
| Total domestic deposits to total assets | 88.1900% | 2,372 |
| Equity capital to assets | 7.0369% | 3,497 |
| Core capital (leverage) ratio | 9.4876% | 3,089 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9609% | 2,065 |
| Memoranda: |
| Average total assets | $5,163,917,500 | 269 |
| Average earning assets | $4,742,394,750 | 267 |
| Average equity | $402,237,250 | 304 |
| Average total loans | $3,353,546,500 | 258 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.7857% | 6 |
| Cost of funding earning assets | 0.4138% | 839 |
| Net interest margin | 19.3719% | 6 |
| Noninterest income to average assets | 8.8416% | 67 |
| Noninterest expense to average assets | 21.5188% | 36 |
| Loan and lease loss provision to assets | 1.5453% | 26 |
| Net operating income to assets | 2.7319% | 87 |
| Return on assets (ROA) | 2.6641% | 89 |
| Pretax return on assets | 3.5393% | 68 |
| Return on Equity (ROE) | 33.0124% | 43 |
| Retained earnings to average equity (ytd only) | 33.0124% | 19 |
| Net charge-offs to loans | 1.7866% | 32 |
| Credit loss provision to net charge-offs | 130.4468% | 1,154 |
| Earnings coverage of net charge-offs (x) | 4.3646% | 1,958 |
| Efficiency ratio | 80.6276% | 896 |
| Assets per employee ($millions) | 78.2492% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1300% | 3,036 |
| Loan loss allowance to noncurrent loans | 112.7983% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.6757% | 810 |
| Noncurrent loans to loans | 1.0018% | 834 |
| Net loans and leases to total assets | 66.6909% | 1,612 |
| Net loans and leases to deposits | 77.3957% | 1,583 |
| Net loans and leases to core deposits | 96.6855% | 806 |
| Total domestic deposits to total assets | 85.9507% | 3,258 |
| Equity capital to assets | 7.4490% | 3,504 |
| Core capital (leverage) ratio | 9.8323% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0375% | 2,809 |
| Memoranda: |
| Average total assets | $5,014,545,000 | 270 |
| Average earning assets | $4,619,956,000 | 270 |
| Average equity | $404,678,333 | 302 |
| Average total loans | $3,324,923,000 | 257 |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.5955% | 6 |
| Cost of funding earning assets | 0.2621% | 2,020 |
| Net interest margin | 19.3334% | 6 |
| Noninterest income to average assets | 9.2610% | 65 |
| Noninterest expense to average assets | 21.9034% | 32 |
| Loan and lease loss provision to assets | 1.4432% | 31 |
| Net operating income to assets | 2.7780% | 90 |
| Return on assets (ROA) | 2.6899% | 99 |
| Pretax return on assets | 3.5744% | 74 |
| Return on Equity (ROE) | 31.7356% | 49 |
| Retained earnings to average equity (ytd only) | 31.7356% | 30 |
| Net charge-offs to loans | 1.7249% | 44 |
| Credit loss provision to net charge-offs | 127.6248% | 908 |
| Earnings coverage of net charge-offs (x) | 4.5359% | 1,622 |
| Efficiency ratio | 81.0263% | 1,069 |
| Assets per employee ($millions) | 64.1835% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1669% | 3,016 |
| Loan loss allowance to noncurrent loans | 116.5643% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 840 |
| Noncurrent loans to loans | 1.0011% | 904 |
| Net loans and leases to total assets | 67.3946% | 1,271 |
| Net loans and leases to deposits | 78.0618% | 1,282 |
| Net loans and leases to core deposits | 107.3591% | 321 |
| Total domestic deposits to total assets | 86.0436% | 3,250 |
| Equity capital to assets | 8.2105% | 3,392 |
| Core capital (leverage) ratio | 9.8822% | 2,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3481% | 2,817 |
| Memoranda: |
| Average total assets | $4,548,346,500 | 289 |
| Average earning assets | $4,180,892,500 | 290 |
| Average equity | $385,522,500 | 331 |
| Average total loans | $2,981,687,000 | 276 |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.3603% | 1 |
| Cost of funding earning assets | 0.3113% | 2,282 |
| Net interest margin | 24.0490% | 1 |
| Noninterest income to average assets | 14.7406% | 46 |
| Noninterest expense to average assets | 29.2704% | 27 |
| Loan and lease loss provision to assets | 1.0269% | 32 |
| Net operating income to assets | 4.4328% | 52 |
| Return on assets (ROA) | 4.4120% | 54 |
| Pretax return on assets | 5.8646% | 46 |
| Return on Equity (ROE) | 43.0353% | 26 |
| Retained earnings to average equity (ytd only) | 26.8062% | 19 |
| Net charge-offs to loans | 0.8723% | 74 |
| Credit loss provision to net charge-offs | 153.0915% | 1,479 |
| Earnings coverage of net charge-offs (x) | 10.3134% | 2,212 |
| Efficiency ratio | 80.8839% | 756 |
| Assets per employee ($millions) | 53.1218% | 34 |
| Cash dividends to net income (ytd only)* | 37.7111% | 2,152 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.4232% | 1,831 |
| Loan loss allowance to noncurrent loans | 119.4253% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 831 |
| Noncurrent loans to loans | 1.1917% | 805 |
| Net loans and leases to total assets | 61.4433% | 2,013 |
| Net loans and leases to deposits | 70.7003% | 2,052 |
| Net loans and leases to core deposits | 112.2068% | 256 |
| Total domestic deposits to total assets | 86.7383% | 2,604 |
| Equity capital to assets | 8.8012% | 3,805 |
| Core capital (leverage) ratio | 8.7527% | 3,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6253% | 2,745 |
| Memoranda: |
| Average total assets | $3,028,547,200 | 374 |
| Average earning assets | $2,700,934,000 | 379 |
| Average equity | $310,491,600 | 390 |
| Average total loans | $2,328,850,000 | 320 |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.4035% | 1 |
| Cost of funding earning assets | 0.3658% | 1,977 |
| Net interest margin | 25.0377% | 1 |
| Noninterest income to average assets | 16.3493% | 45 |
| Noninterest expense to average assets | 31.5129% | 27 |
| Loan and lease loss provision to assets | 0.9580% | 41 |
| Net operating income to assets | 4.5649% | 55 |
| Return on assets (ROA) | 4.5444% | 56 |
| Pretax return on assets | 5.9812% | 52 |
| Return on Equity (ROE) | 42.1202% | 30 |
| Retained earnings to average equity (ytd only) | 19.5835% | 145 |
| Net charge-offs to loans | 0.7662% | 100 |
| Credit loss provision to net charge-offs | 151.9516% | 1,351 |
| Earnings coverage of net charge-offs (x) | 11.0473% | 2,015 |
| Efficiency ratio | 81.8984% | 635 |
| Assets per employee ($millions) | 45.0373% | 36 |
| Cash dividends to net income (ytd only)* | 53.5056% | 1,057 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1897% | 3,038 |
| Loan loss allowance to noncurrent loans | 152.1440% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.6455% | 1,174 |
| Noncurrent loans to loans | 0.7820% | 1,447 |
| Net loans and leases to total assets | 81.5660% | 212 |
| Net loans and leases to deposits | 98.9392% | 250 |
| Net loans and leases to core deposits | 187.9005% | 33 |
| Total domestic deposits to total assets | 82.0145% | 3,926 |
| Equity capital to assets | 9.9327% | 2,967 |
| Core capital (leverage) ratio | 10.0826% | 2,413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0829% | 2,950 |
| Memoranda: |
| Average total assets | $2,763,088,750 | 404 |
| Average earning assets | $2,442,075,000 | 416 |
| Average equity | $298,113,750 | 404 |
| Average total loans | $2,273,674,750 | 331 |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.9041% | 1 |
| Cost of funding earning assets | 0.4151% | 1,761 |
| Net interest margin | 25.4890% | 1 |
| Noninterest income to average assets | 17.0537% | 45 |
| Noninterest expense to average assets | 32.6660% | 25 |
| Loan and lease loss provision to assets | 0.8361% | 49 |
| Net operating income to assets | 4.5076% | 60 |
| Return on assets (ROA) | 4.4811% | 61 |
| Pretax return on assets | 5.9012% | 58 |
| Return on Equity (ROE) | 40.1826% | 42 |
| Retained earnings to average equity (ytd only) | 5.2662% | 3,091 |
| Net charge-offs to loans | 0.7987% | 102 |
| Credit loss provision to net charge-offs | 127.3840% | 1,228 |
| Earnings coverage of net charge-offs (x) | 10.3159% | 1,804 |
| Efficiency ratio | 82.8310% | 623 |
| Assets per employee ($millions) | 44.5080% | 35 |
| Cash dividends to net income (ytd only)* | 86.8943% | 392 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1102% | 3,369 |
| Loan loss allowance to noncurrent loans | 150.1484% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.6215% | 1,334 |
| Noncurrent loans to loans | 0.7394% | 1,613 |
| Net loans and leases to total assets | 83.1183% | 165 |
| Net loans and leases to deposits | 97.3723% | 339 |
| Net loans and leases to core deposits | 199.9928% | 36 |
| Total domestic deposits to total assets | 85.0661% | 3,064 |
| Equity capital to assets | 9.7909% | 3,069 |
| Core capital (leverage) ratio | 9.9423% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6948% | 3,013 |
| Memoranda: |
| Average total assets | $2,588,211,333 | 422 |
| Average earning assets | $2,272,848,667 | 441 |
| Average equity | $288,632,333 | 407 |
| Average total loans | $2,126,916,000 | 347 |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 26.3287% | 1 |
| Cost of funding earning assets | 0.4985% | 1,404 |
| Net interest margin | 25.8301% | 1 |
| Noninterest income to average assets | 17.1915% | 46 |
| Noninterest expense to average assets | 32.5697% | 25 |
| Loan and lease loss provision to assets | 0.1163% | 1,179 |
| Net operating income to assets | 5.2423% | 56 |
| Return on assets (ROA) | 5.1781% | 56 |
| Pretax return on assets | 6.8013% | 51 |
| Return on Equity (ROE) | 43.1497% | 52 |
| Retained earnings to average equity (ytd only) | 4.1204% | 3,470 |
| Net charge-offs to loans | 0.8848% | 88 |
| Credit loss provision to net charge-offs | 16.2194% | 1,435 |
| Earnings coverage of net charge-offs (x) | 9.7645% | 1,524 |
| Efficiency ratio | 82.3121% | 687 |
| Assets per employee ($millions) | 41.7686% | 34 |
| Cash dividends to net income (ytd only)* | 90.4510% | 494 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0110% | 3,798 |
| Loan loss allowance to noncurrent loans | 102.6181% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 1,121 |
| Noncurrent loans to loans | 0.9852% | 1,368 |
| Net loans and leases to total assets | 80.2471% | 326 |
| Net loans and leases to deposits | 105.1891% | 183 |
| Net loans and leases to core deposits | 207.6355% | 34 |
| Total domestic deposits to total assets | 76.0047% | 4,584 |
| Equity capital to assets | 10.7120% | 2,072 |
| Core capital (leverage) ratio | 11.6093% | 1,347 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7980% | 2,738 |
| Memoranda: |
| Average total assets | $2,391,299,500 | 443 |
| Average earning assets | $2,071,627,000 | 469 |
| Average equity | $286,964,000 | 405 |
| Average total loans | $1,937,152,000 | 372 |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 23.6789% | 2 |
| Cost of funding earning assets | 1.1150% | 378 |
| Net interest margin | 22.5639% | 1 |
| Noninterest income to average assets | 16.7930% | 47 |
| Noninterest expense to average assets | 29.1858% | 27 |
| Loan and lease loss provision to assets | 1.0162% | 91 |
| Net operating income to assets | 4.6352% | 46 |
| Return on assets (ROA) | 4.6527% | 46 |
| Pretax return on assets | 6.0900% | 42 |
| Return on Equity (ROE) | 38.3418% | 33 |
| Retained earnings to average equity (ytd only) | -9.6656% | 4,911 |
| Net charge-offs to loans | 1.5252% | 67 |
| Credit loss provision to net charge-offs | 88.2736% | 2,939 |
| Earnings coverage of net charge-offs (x) | 6.1539% | 2,803 |
| Efficiency ratio | 80.4685% | 855 |
| Assets per employee ($millions) | 31.4837% | 42 |
| Cash dividends to net income (ytd only)* | 125.2091% | 143 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6775% | 4,621 |
| Loan loss allowance to noncurrent loans | 59.2612% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 0.9252% | 1,060 |
| Noncurrent loans to loans | 1.1432% | 1,246 |
| Net loans and leases to total assets | 80.3861% | 400 |
| Net loans and leases to deposits | 100.5660% | 350 |
| Net loans and leases to core deposits | 217.1140% | 34 |
| Total domestic deposits to total assets | 79.6986% | 4,103 |
| Equity capital to assets | 13.6330% | 890 |
| Core capital (leverage) ratio | 12.7083% | 973 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0368% | 1,838 |
| Memoranda: |
| Average total assets | $2,403,168,400 | 411 |
| Average earning assets | $2,074,381,400 | 431 |
| Average equity | $291,621,600 | 377 |
| Average total loans | $1,813,769,600 | 379 |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.6926% | 2 |
| Cost of funding earning assets | 1.2150% | 349 |
| Net interest margin | 21.4776% | 2 |
| Noninterest income to average assets | 15.5667% | 48 |
| Noninterest expense to average assets | 27.8676% | 29 |
| Loan and lease loss provision to assets | 0.8901% | 177 |
| Net operating income to assets | 4.1754% | 49 |
| Return on assets (ROA) | 4.2012% | 50 |
| Pretax return on assets | 5.4994% | 46 |
| Return on Equity (ROE) | 35.5554% | 43 |
| Retained earnings to average equity (ytd only) | -0.8944% | 4,603 |
| Net charge-offs to loans | 1.7146% | 61 |
| Credit loss provision to net charge-offs | 69.8610% | 2,811 |
| Earnings coverage of net charge-offs (x) | 4.9891% | 2,772 |
| Efficiency ratio | 81.4261% | 760 |
| Assets per employee ($millions) | 37.8365% | 34 |
| Cash dividends to net income (ytd only)* | 102.5155% | 289 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4275% | 4,867 |
| Loan loss allowance to noncurrent loans | 31.1782% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.0012% | 1,112 |
| Noncurrent loans to loans | 1.3713% | 1,064 |
| Net loans and leases to total assets | 72.6998% | 1,556 |
| Net loans and leases to deposits | 89.8037% | 1,288 |
| Net loans and leases to core deposits | 209.0155% | 37 |
| Total domestic deposits to total assets | 80.7506% | 3,711 |
| Equity capital to assets | 12.6449% | 1,353 |
| Core capital (leverage) ratio | 12.7493% | 1,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7379% | 1,577 |
| Memoranda: |
| Average total assets | $2,476,608,250 | 389 |
| Average earning assets | $2,151,445,500 | 408 |
| Average equity | $292,633,000 | 368 |
| Average total loans | $1,840,402,750 | 369 |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.9153% | 2 |
| Cost of funding earning assets | 1.3525% | 284 |
| Net interest margin | 21.5628% | 2 |
| Noninterest income to average assets | 15.4042% | 45 |
| Noninterest expense to average assets | 27.6620% | 29 |
| Loan and lease loss provision to assets | 1.3954% | 101 |
| Net operating income to assets | 3.8476% | 53 |
| Return on assets (ROA) | 3.8862% | 50 |
| Pretax return on assets | 5.0571% | 43 |
| Return on Equity (ROE) | 33.6701% | 48 |
| Retained earnings to average equity (ytd only) | -22.1733% | 5,014 |
| Net charge-offs to loans | 1.9396% | 66 |
| Credit loss provision to net charge-offs | 96.2541% | 2,434 |
| Earnings coverage of net charge-offs (x) | 4.4173% | 2,602 |
| Efficiency ratio | 81.2022% | 803 |
| Assets per employee ($millions) | 38.9455% | 32 |
| Cash dividends to net income (ytd only)* | 165.8547% | 156 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8788% | 4,087 |
| Loan loss allowance to noncurrent loans | 50.1668% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.1485% | 968 |
| Noncurrent loans to loans | 1.7518% | 814 |
| Net loans and leases to total assets | 64.9807% | 2,755 |
| Net loans and leases to deposits | 77.5081% | 2,711 |
| Net loans and leases to core deposits | 200.8372% | 42 |
| Total domestic deposits to total assets | 83.6053% | 2,880 |
| Equity capital to assets | 11.4127% | 2,027 |
| Core capital (leverage) ratio | 11.2038% | 1,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9407% | 1,503 |
| Memoranda: |
| Average total assets | $2,482,354,333 | 386 |
| Average earning assets | $2,148,343,333 | 399 |
| Average equity | $286,515,333 | 373 |
| Average total loans | $1,855,325,333 | 365 |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 26.0074% | 2 |
| Cost of funding earning assets | 1.5400% | 226 |
| Net interest margin | 24.4674% | 2 |
| Noninterest income to average assets | 17.7860% | 39 |
| Noninterest expense to average assets | 29.9984% | 24 |
| Loan and lease loss provision to assets | 1.1748% | 159 |
| Net operating income to assets | 5.6152% | 28 |
| Return on assets (ROA) | 5.6653% | 28 |
| Pretax return on assets | 7.5604% | 25 |
| Return on Equity (ROE) | 48.8149% | 15 |
| Retained earnings to average equity (ytd only) | -61.6198% | 5,095 |
| Net charge-offs to loans | 1.7405% | 86 |
| Credit loss provision to net charge-offs | 85.1684% | 1,915 |
| Earnings coverage of net charge-offs (x) | 6.2866% | 1,995 |
| Efficiency ratio | 77.5750% | 1,388 |
| Assets per employee ($millions) | 37.1128% | 31 |
| Cash dividends to net income (ytd only)* | 226.2315% | 246 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7635% | 4,483 |
| Loan loss allowance to noncurrent loans | 49.2664% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 1.2134% | 1,016 |
| Noncurrent loans to loans | 1.5498% | 1,017 |
| Net loans and leases to total assets | 77.6932% | 1,026 |
| Net loans and leases to deposits | 94.7609% | 1,013 |
| Net loans and leases to core deposits | 248.9771% | 25 |
| Total domestic deposits to total assets | 81.8531% | 3,458 |
| Equity capital to assets | 11.7081% | 2,282 |
| Core capital (leverage) ratio | 10.4545% | 2,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7655% | 2,368 |
| Memoranda: |
| Average total assets | $2,496,748,000 | 369 |
| Average earning assets | $2,131,100,500 | 393 |
| Average equity | $289,764,000 | 369 |
| Average total loans | $1,978,748,000 | 337 |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.2977% | 3 |
| Cost of funding earning assets | 1.5487% | 345 |
| Net interest margin | 22.7491% | 2 |
| Noninterest income to average assets | 16.5019% | 44 |
| Noninterest expense to average assets | 22.9420% | 34 |
| Loan and lease loss provision to assets | 0.9910% | 95 |
| Net operating income to assets | 9.3727% | 19 |
| Return on assets (ROA) | 9.3921% | 20 |
| Pretax return on assets | 12.3462% | 21 |
| Return on Equity (ROE) | 84.0555% | 5 |
| Retained earnings to average equity (ytd only) | 2.1852% | 3,905 |
| Net charge-offs to loans | 1.4001% | 105 |
| Credit loss provision to net charge-offs | 85.5938% | 2,719 |
| Earnings coverage of net charge-offs (x) | 11.4978% | 2,491 |
| Efficiency ratio | 63.2800% | 3,180 |
| Assets per employee ($millions) | 52.4926% | 22 |
| Cash dividends to net income (ytd only)* | 97.4003% | 360 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6778% | 4,612 |
| Loan loss allowance to noncurrent loans | 58.9242% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 0.9208% | 1,381 |
| Noncurrent loans to loans | 1.1503% | 1,312 |
| Net loans and leases to total assets | 79.5083% | 853 |
| Net loans and leases to deposits | 100.7585% | 541 |
| Net loans and leases to core deposits | 247.1853% | 26 |
| Total domestic deposits to total assets | 78.7309% | 4,239 |
| Equity capital to assets | 11.5207% | 2,514 |
| Core capital (leverage) ratio | 10.8828% | 2,610 |
| Tier 1 risk-based capital ratio | 12.9299% | 3,823 |
| Total risk-based capital ratio | 13.5389% | 4,062 |
| Memoranda: |
| Average total assets | $2,896,841,600 | 321 |
| Average earning assets | $2,515,304,000 | 331 |
| Average equity | $323,682,600 | 327 |
| Average total loans | $2,395,556,000 | 291 |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 23.3184% | 3 |
| Cost of funding earning assets | 1.5233% | 383 |
| Net interest margin | 21.7952% | 3 |
| Noninterest income to average assets | 16.0774% | 42 |
| Noninterest expense to average assets | 22.2449% | 33 |
| Loan and lease loss provision to assets | 0.8832% | 113 |
| Net operating income to assets | 9.0646% | 19 |
| Return on assets (ROA) | 9.0942% | 20 |
| Pretax return on assets | 11.9422% | 20 |
| Return on Equity (ROE) | 81.9811% | 5 |
| Retained earnings to average equity (ytd only) | 16.5402% | 93 |
| Net charge-offs to loans | 1.3116% | 106 |
| Credit loss provision to net charge-offs | 80.8288% | 2,490 |
| Earnings coverage of net charge-offs (x) | 11.7034% | 2,422 |
| Efficiency ratio | 63.4972% | 3,093 |
| Assets per employee ($millions) | 55.1266% | 22 |
| Cash dividends to net income (ytd only)* | 79.8244% | 668 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5761% | 4,861 |
| Loan loss allowance to noncurrent loans | 55.7928% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 0.8882% | 1,540 |
| Noncurrent loans to loans | 1.0325% | 1,552 |
| Net loans and leases to total assets | 85.5287% | 220 |
| Net loans and leases to deposits | 105.9788% | 324 |
| Net loans and leases to core deposits | 249.8239% | 32 |
| Total domestic deposits to total assets | 80.6099% | 3,845 |
| Equity capital to assets | 11.4409% | 2,703 |
| Core capital (leverage) ratio | 11.1330% | 2,528 |
| Tier 1 risk-based capital ratio | 12.1802% | 4,327 |
| Total risk-based capital ratio | 12.7078% | 4,591 |
| Memoranda: |
| Average total assets | $2,938,648,000 | 322 |
| Average earning assets | $2,555,776,000 | 330 |
| Average equity | $325,985,750 | 328 |
| Average total loans | $2,448,174,500 | 292 |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.6216% | 3 |
| Cost of funding earning assets | 1.4384% | 469 |
| Net interest margin | 21.1831% | 3 |
| Noninterest income to average assets | 16.0082% | 41 |
| Noninterest expense to average assets | 21.8948% | 34 |
| Loan and lease loss provision to assets | 0.9587% | 101 |
| Net operating income to assets | 8.7542% | 22 |
| Return on assets (ROA) | 8.7891% | 23 |
| Pretax return on assets | 11.5216% | 23 |
| Return on Equity (ROE) | 80.1035% | 6 |
| Retained earnings to average equity (ytd only) | 26.8153% | 19 |
| Net charge-offs to loans | 1.2651% | 100 |
| Credit loss provision to net charge-offs | 92.0061% | 2,115 |
| Earnings coverage of net charge-offs (x) | 11.9345% | 2,179 |
| Efficiency ratio | 63.7754% | 3,166 |
| Assets per employee ($millions) | 67.9092% | 21 |
| Cash dividends to net income (ytd only)* | 66.5242% | 1,209 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6925% | 4,730 |
| Loan loss allowance to noncurrent loans | 48.5359% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1898% | 1,120 |
| Noncurrent loans to loans | 1.4268% | 1,082 |
| Net loans and leases to total assets | 82.8143% | 501 |
| Net loans and leases to deposits | 103.0712% | 467 |
| Net loans and leases to core deposits | 232.7960% | 37 |
| Total domestic deposits to total assets | 80.2551% | 3,986 |
| Equity capital to assets | 10.9316% | 3,147 |
| Core capital (leverage) ratio | 11.3697% | 2,275 |
| Tier 1 risk-based capital ratio | 11.9715% | 4,432 |
| Total risk-based capital ratio | 12.6040% | 4,656 |
| Memoranda: |
| Average total assets | $2,907,542,670 | 327 |
| Average earning assets | $2,514,945,670 | 332 |
| Average equity | $319,019,670 | 334 |
| Average total loans | $2,394,824,330 | 297 |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.0857% | 3 |
| Cost of funding earning assets | 1.3944% | 470 |
| Net interest margin | 20.6914% | 3 |
| Noninterest income to average assets | 15.5982% | 43 |
| Noninterest expense to average assets | 21.6387% | 36 |
| Loan and lease loss provision to assets | 0.8501% | 111 |
| Net operating income to assets | 8.1370% | 25 |
| Return on assets (ROA) | 8.1710% | 27 |
| Pretax return on assets | 10.7223% | 26 |
| Return on Equity (ROE) | 74.3117% | 9 |
| Retained earnings to average equity (ytd only) | -4.6160% | 4,906 |
| Net charge-offs to loans | 1.4069% | 90 |
| Credit loss provision to net charge-offs | 73.8874% | 1,824 |
| Earnings coverage of net charge-offs (x) | 10.0214% | 1,984 |
| Efficiency ratio | 65.2395% | 3,052 |
| Assets per employee ($millions) | 54.6784% | 21 |
| Cash dividends to net income (ytd only)* | 106.2116% | 558 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6619% | 4,838 |
| Loan loss allowance to noncurrent loans | 58.3742% | 4,101 |
| Noncurrent assets plus other real estate owned to assets | 0.9440% | 1,490 |
| Noncurrent loans to loans | 1.1339% | 1,472 |
| Net loans and leases to total assets | 82.7007% | 505 |
| Net loans and leases to deposits | 116.3250% | 127 |
| Net loans and leases to core deposits | 227.7734% | 38 |
| Total domestic deposits to total assets | 71.0090% | 5,078 |
| Equity capital to assets | 10.8449% | 3,004 |
| Core capital (leverage) ratio | 10.9228% | 2,644 |
| Tier 1 risk-based capital ratio | 11.4312% | 4,773 |
| Total risk-based capital ratio | 12.0121% | 4,984 |
| Memoranda: |
| Average total assets | $2,765,448,000 | 341 |
| Average earning assets | $2,348,266,000 | 355 |
| Average equity | $304,076,000 | 345 |
| Average total loans | $2,261,414,500 | 309 |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.8333% | 3 |
| Cost of funding earning assets | 1.2436% | 286 |
| Net interest margin | 21.5897% | 3 |
| Noninterest income to average assets | 15.1235% | 47 |
| Noninterest expense to average assets | 19.9735% | 35 |
| Loan and lease loss provision to assets | 1.2235% | 60 |
| Net operating income to assets | 9.6876% | 18 |
| Return on assets (ROA) | 9.6537% | 18 |
| Pretax return on assets | 12.7613% | 18 |
| Return on Equity (ROE) | 85.7045% | 5 |
| Retained earnings to average equity (ytd only) | 0.4588% | 4,860 |
| Net charge-offs to loans | 1.2282% | 100 |
| Credit loss provision to net charge-offs | 120.8511% | 2,156 |
| Earnings coverage of net charge-offs (x) | 13.8556% | 2,414 |
| Efficiency ratio | 58.7435% | 4,044 |
| Assets per employee ($millions) | 53.7705% | 22 |
| Cash dividends to net income (ytd only)* | 99.4647% | 253 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7925% | 4,560 |
| Loan loss allowance to noncurrent loans | 99.4981% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 2,125 |
| Noncurrent loans to loans | 0.7964% | 2,012 |
| Net loans and leases to total assets | 79.6350% | 990 |
| Net loans and leases to deposits | 112.9119% | 182 |
| Net loans and leases to core deposits | 261.1794% | 30 |
| Total domestic deposits to total assets | 70.4671% | 5,143 |
| Equity capital to assets | 11.1487% | 2,553 |
| Core capital (leverage) ratio | 10.8800% | 2,648 |
| Tier 1 risk-based capital ratio | 12.1233% | 4,348 |
| Total risk-based capital ratio | 12.8150% | 4,592 |
| Memoranda: |
| Average total assets | $2,780,667,800 | 336 |
| Average earning assets | $2,431,373,200 | 343 |
| Average equity | $313,212,400 | 333 |
| Average total loans | $2,292,078,400 | 307 |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.3342% | 3 |
| Cost of funding earning assets | 1.1483% | 328 |
| Net interest margin | 21.1859% | 3 |
| Noninterest income to average assets | 14.9626% | 47 |
| Noninterest expense to average assets | 19.0402% | 38 |
| Loan and lease loss provision to assets | 1.2487% | 64 |
| Net operating income to assets | 10.2229% | 17 |
| Return on assets (ROA) | 10.1693% | 17 |
| Pretax return on assets | 13.3169% | 17 |
| Return on Equity (ROE) | 90.0554% | 4 |
| Retained earnings to average equity (ytd only) | 13.0405% | 356 |
| Net charge-offs to loans | 1.1658% | 117 |
| Credit loss provision to net charge-offs | 129.1156% | 1,904 |
| Earnings coverage of net charge-offs (x) | 15.1306% | 2,250 |
| Efficiency ratio | 56.5432% | 4,309 |
| Assets per employee ($millions) | 61.6233% | 22 |
| Cash dividends to net income (ytd only)* | 85.5195% | 458 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6922% | 4,889 |
| Loan loss allowance to noncurrent loans | 105.8093% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 2,553 |
| Noncurrent loans to loans | 0.6542% | 2,447 |
| Net loans and leases to total assets | 82.9848% | 566 |
| Net loans and leases to deposits | 115.5666% | 154 |
| Net loans and leases to core deposits | 243.3406% | 31 |
| Total domestic deposits to total assets | 71.7438% | 5,147 |
| Equity capital to assets | 11.1215% | 2,547 |
| Core capital (leverage) ratio | 10.9286% | 2,647 |
| Tier 1 risk-based capital ratio | 11.9901% | 4,508 |
| Total risk-based capital ratio | 12.6136% | 4,752 |
| Memoranda: |
| Average total assets | $2,790,260,500 | 335 |
| Average earning assets | $2,464,317,000 | 339 |
| Average equity | $315,082,750 | 332 |
| Average total loans | $2,314,780,000 | 304 |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.0412% | 3 |
| Cost of funding earning assets | 1.0618% | 348 |
| Net interest margin | 20.9794% | 3 |
| Noninterest income to average assets | 14.8884% | 46 |
| Noninterest expense to average assets | 19.8471% | 36 |
| Loan and lease loss provision to assets | 1.1477% | 63 |
| Net operating income to assets | 9.5554% | 17 |
| Return on assets (ROA) | 9.4833% | 17 |
| Pretax return on assets | 12.3795% | 18 |
| Return on Equity (ROE) | 83.5126% | 5 |
| Retained earnings to average equity (ytd only) | 10.8258% | 703 |
| Net charge-offs to loans | 1.2603% | 99 |
| Credit loss provision to net charge-offs | 110.0643% | 1,892 |
| Earnings coverage of net charge-offs (x) | 13.0603% | 2,168 |
| Efficiency ratio | 59.3061% | 4,041 |
| Assets per employee ($millions) | 59.5889% | 21 |
| Cash dividends to net income (ytd only)* | 87.0369% | 567 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5157% | 5,239 |
| Loan loss allowance to noncurrent loans | 166.2999% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2733% | 3,674 |
| Noncurrent loans to loans | 0.3101% | 3,594 |
| Net loans and leases to total assets | 87.6705% | 155 |
| Net loans and leases to deposits | 126.5337% | 61 |
| Net loans and leases to core deposits | 270.5189% | 25 |
| Total domestic deposits to total assets | 69.2167% | 5,301 |
| Equity capital to assets | 11.2412% | 2,419 |
| Core capital (leverage) ratio | 11.5600% | 2,026 |
| Tier 1 risk-based capital ratio | 11.6218% | 4,730 |
| Total risk-based capital ratio | 12.0916% | 5,026 |
| Memoranda: |
| Average total assets | $2,713,833,000 | 342 |
| Average earning assets | $2,403,076,330 | 344 |
| Average equity | $308,171,330 | 332 |
| Average total loans | $2,245,296,670 | 306 |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.0374% | 3 |
| Cost of funding earning assets | 1.0040% | 364 |
| Net interest margin | 21.0335% | 3 |
| Noninterest income to average assets | 14.6564% | 47 |
| Noninterest expense to average assets | 19.1083% | 39 |
| Loan and lease loss provision to assets | 1.3003% | 64 |
| Net operating income to assets | 9.7298% | 15 |
| Return on assets (ROA) | 9.6870% | 15 |
| Pretax return on assets | 12.6608% | 15 |
| Return on Equity (ROE) | 84.8431% | 5 |
| Retained earnings to average equity (ytd only) | -8.0280% | 5,308 |
| Net charge-offs to loans | 1.3938% | 102 |
| Credit loss provision to net charge-offs | 116.8845% | 1,404 |
| Earnings coverage of net charge-offs (x) | 12.5984% | 1,794 |
| Efficiency ratio | 57.6877% | 4,390 |
| Assets per employee ($millions) | 59.2339% | 23 |
| Cash dividends to net income (ytd only)* | 109.4622% | 514 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5891% | 5,204 |
| Loan loss allowance to noncurrent loans | 70.9996% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 0.6925% | 2,251 |
| Noncurrent loans to loans | 0.8297% | 2,161 |
| Net loans and leases to total assets | 82.9732% | 539 |
| Net loans and leases to deposits | 117.8656% | 136 |
| Net loans and leases to core deposits | 270.5805% | 28 |
| Total domestic deposits to total assets | 70.3376% | 5,353 |
| Equity capital to assets | 11.4512% | 2,171 |
| Core capital (leverage) ratio | 11.3242% | 2,144 |
| Tier 1 risk-based capital ratio | 12.2715% | 4,395 |
| Total risk-based capital ratio | 12.7988% | 4,732 |
| Memoranda: |
| Average total assets | $2,640,615,500 | 349 |
| Average earning assets | $2,318,435,500 | 355 |
| Average equity | $301,493,000 | 338 |
| Average total loans | $2,107,641,000 | 318 |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.6541% | 3 |
| Cost of funding earning assets | 0.9370% | 304 |
| Net interest margin | 21.7170% | 3 |
| Noninterest income to average assets | 16.2049% | 43 |
| Noninterest expense to average assets | 18.8592% | 39 |
| Loan and lease loss provision to assets | 1.0715% | 90 |
| Net operating income to assets | 9.0289% | 15 |
| Return on assets (ROA) | 9.0289% | 15 |
| Pretax return on assets | 14.5577% | 15 |
| Return on Equity (ROE) | 75.3211% | 6 |
| Retained earnings to average equity (ytd only) | 30.3465% | 12 |
| Net charge-offs to loans | 1.4416% | 112 |
| Credit loss provision to net charge-offs | 92.7228% | 2,732 |
| Earnings coverage of net charge-offs (x) | 13.5249% | 2,389 |
| Efficiency ratio | 54.1905% | 4,937 |
| Assets per employee ($millions) | 65.6020% | 20 |
| Cash dividends to net income (ytd only)* | 59.7105% | 1,772 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5633% | 5,305 |
| Loan loss allowance to noncurrent loans | 51.0993% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8421% | 1,851 |
| Noncurrent loans to loans | 1.1024% | 1,610 |
| Net loans and leases to total assets | 75.9612% | 1,603 |
| Net loans and leases to deposits | 103.1025% | 542 |
| Net loans and leases to core deposits | 316.1872% | 23 |
| Total domestic deposits to total assets | 73.0138% | 5,258 |
| Equity capital to assets | 11.3223% | 2,347 |
| Core capital (leverage) ratio | 12.5007% | 1,358 |
| Tier 1 risk-based capital ratio | 12.8119% | 4,027 |
| Total risk-based capital ratio | 13.2987% | 4,382 |
| Memoranda: |
| Average total assets | $2,355,698,000 | 361 |
| Average earning assets | $1,983,250,600 | 378 |
| Average equity | $282,381,600 | 340 |
| Average total loans | $1,888,272,800 | 323 |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 22.8192% | 3 |
| Cost of funding earning assets | 0.9337% | 286 |
| Net interest margin | 21.8854% | 3 |
| Noninterest income to average assets | 17.1540% | 45 |
| Noninterest expense to average assets | 19.1526% | 42 |
| Loan and lease loss provision to assets | 1.0418% | 102 |
| Net operating income to assets | 9.6817% | 17 |
| Return on assets (ROA) | 9.6817% | 17 |
| Pretax return on assets | 15.2616% | 18 |
| Return on Equity (ROE) | 79.4629% | 8 |
| Retained earnings to average equity (ytd only) | 47.1952% | 2 |
| Net charge-offs to loans | 1.3725% | 118 |
| Credit loss provision to net charge-offs | 93.3982% | 2,416 |
| Earnings coverage of net charge-offs (x) | 14.6156% | 2,283 |
| Efficiency ratio | 53.8523% | 4,944 |
| Assets per employee ($millions) | 61.2808% | 21 |
| Cash dividends to net income (ytd only)* | 40.6073% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5827% | 5,358 |
| Loan loss allowance to noncurrent loans | 35.2961% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.3540% | 1,170 |
| Noncurrent loans to loans | 1.6509% | 1,110 |
| Net loans and leases to total assets | 81.5346% | 761 |
| Net loans and leases to deposits | 116.3241% | 151 |
| Net loans and leases to core deposits | 312.0897% | 23 |
| Total domestic deposits to total assets | 69.4381% | 5,493 |
| Equity capital to assets | 12.3343% | 1,755 |
| Core capital (leverage) ratio | 12.0947% | 1,630 |
| Tier 1 risk-based capital ratio | 12.6263% | 4,246 |
| Total risk-based capital ratio | 13.1202% | 4,593 |
| Memoranda: |
| Average total assets | $2,272,202,250 | 371 |
| Average earning assets | $1,900,168,500 | 395 |
| Average equity | $276,843,500 | 347 |
| Average total loans | $1,846,669,250 | 332 |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 23.1507% | 3 |
| Cost of funding earning assets | 0.8824% | 342 |
| Net interest margin | 22.2683% | 3 |
| Noninterest income to average assets | 16.7370% | 46 |
| Noninterest expense to average assets | 19.2394% | 42 |
| Loan and lease loss provision to assets | 1.0456% | 92 |
| Net operating income to assets | 10.0155% | 18 |
| Return on assets (ROA) | 10.0155% | 18 |
| Pretax return on assets | 15.0663% | 18 |
| Return on Equity (ROE) | 82.6054% | 6 |
| Retained earnings to average equity (ytd only) | 65.1352% | 1 |
| Net charge-offs to loans | 1.5559% | 114 |
| Credit loss provision to net charge-offs | 82.9837% | 2,226 |
| Earnings coverage of net charge-offs (x) | 12.7877% | 2,168 |
| Efficiency ratio | 54.2498% | 4,998 |
| Assets per employee ($millions) | 57.2094% | 23 |
| Cash dividends to net income (ytd only)* | 21.1490% | 3,072 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5570% | 5,449 |
| Loan loss allowance to noncurrent loans | 32.0716% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 1.4230% | 1,105 |
| Noncurrent loans to loans | 1.7369% | 1,043 |
| Net loans and leases to total assets | 81.4721% | 751 |
| Net loans and leases to deposits | 113.4176% | 204 |
| Net loans and leases to core deposits | 321.8154% | 25 |
| Total domestic deposits to total assets | 71.8122% | 5,465 |
| Equity capital to assets | 12.4051% | 1,666 |
| Core capital (leverage) ratio | 13.0747% | 1,147 |
| Tier 1 risk-based capital ratio | 12.7800% | 4,134 |
| Total risk-based capital ratio | 13.2554% | 4,514 |
| Memoranda: |
| Average total assets | $2,171,672,330 | 386 |
| Average earning assets | $1,815,313,330 | 414 |
| Average equity | $263,304,670 | 357 |
| Average total loans | $1,758,615,000 | 345 |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 23.4380% | 3 |
| Cost of funding earning assets | 0.8694% | 336 |
| Net interest margin | 22.5686% | 3 |
| Noninterest income to average assets | 15.4645% | 49 |
| Noninterest expense to average assets | 18.3905% | 41 |
| Loan and lease loss provision to assets | 1.4704% | 53 |
| Net operating income to assets | 9.2018% | 21 |
| Return on assets (ROA) | 9.2018% | 21 |
| Pretax return on assets | 14.4765% | 18 |
| Return on Equity (ROE) | 76.9751% | 12 |
| Retained earnings to average equity (ytd only) | 76.9751% | 7 |
| Net charge-offs to loans | 1.4904% | 106 |
| Credit loss provision to net charge-offs | 122.7033% | 1,370 |
| Earnings coverage of net charge-offs (x) | 13.3077% | 1,793 |
| Efficiency ratio | 53.3669% | 5,181 |
| Assets per employee ($millions) | 51.8174% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8452% | 4,941 |
| Loan loss allowance to noncurrent loans | 56.3973% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.2167% | 1,437 |
| Noncurrent loans to loans | 1.4986% | 1,335 |
| Net loans and leases to total assets | 80.5028% | 767 |
| Net loans and leases to deposits | 108.8104% | 241 |
| Net loans and leases to core deposits | 313.5950% | 24 |
| Total domestic deposits to total assets | 73.9741% | 5,417 |
| Equity capital to assets | 12.2186% | 1,701 |
| Core capital (leverage) ratio | 13.0705% | 1,118 |
| Tier 1 risk-based capital ratio | 12.5673% | 4,348 |
| Total risk-based capital ratio | 13.2829% | 4,587 |
| Memoranda: |
| Average total assets | $2,027,506,000 | 404 |
| Average earning assets | $1,695,487,000 | 442 |
| Average equity | $242,374,500 | 383 |
| Average total loans | $1,630,200,000 | 368 |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.9487% | 5 |
| Cost of funding earning assets | 0.6073% | 1,289 |
| Net interest margin | 20.3414% | 5 |
| Noninterest income to average assets | 13.8053% | 52 |
| Noninterest expense to average assets | 16.6243% | 42 |
| Loan and lease loss provision to assets | 1.3069% | 72 |
| Net operating income to assets | 8.1230% | 18 |
| Return on assets (ROA) | 8.1230% | 19 |
| Pretax return on assets | 12.8742% | 20 |
| Return on Equity (ROE) | 71.5161% | 7 |
| Retained earnings to average equity (ytd only) | 12.5557% | 189 |
| Net charge-offs to loans | 1.4866% | 96 |
| Credit loss provision to net charge-offs | 121.2851% | 2,187 |
| Earnings coverage of net charge-offs (x) | 13.1606% | 2,392 |
| Efficiency ratio | 53.9655% | 5,244 |
| Assets per employee ($millions) | 46.9670% | 24 |
| Cash dividends to net income (ytd only)* | 82.4436% | 817 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9076% | 4,758 |
| Loan loss allowance to noncurrent loans | 69.3421% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 1,817 |
| Noncurrent loans to loans | 1.3089% | 1,568 |
| Net loans and leases to total assets | 78.7735% | 1,076 |
| Net loans and leases to deposits | 106.9366% | 303 |
| Net loans and leases to core deposits | 444.5875% | 18 |
| Total domestic deposits to total assets | 73.6638% | 5,465 |
| Equity capital to assets | 11.6481% | 2,045 |
| Core capital (leverage) ratio | 11.1013% | 2,256 |
| Tier 1 risk-based capital ratio | 11.8387% | 4,830 |
| Total risk-based capital ratio | 12.5857% | 5,049 |
| Memoranda: |
| Average total assets | $1,806,800,200 | 428 |
| Average earning assets | $1,510,010,600 | 462 |
| Average equity | $205,222,200 | 424 |
| Average total loans | $1,309,609,400 | 414 |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.2750% | 5 |
| Cost of funding earning assets | 0.5444% | 1,754 |
| Net interest margin | 19.7306% | 4 |
| Noninterest income to average assets | 13.9113% | 52 |
| Noninterest expense to average assets | 15.8591% | 43 |
| Loan and lease loss provision to assets | 1.0692% | 92 |
| Net operating income to assets | 8.4917% | 20 |
| Return on assets (ROA) | 8.4917% | 21 |
| Pretax return on assets | 13.5377% | 19 |
| Return on Equity (ROE) | 75.2665% | 8 |
| Retained earnings to average equity (ytd only) | 28.3612% | 16 |
| Net charge-offs to loans | 1.5315% | 86 |
| Credit loss provision to net charge-offs | 98.8288% | 2,401 |
| Earnings coverage of net charge-offs (x) | 13.5015% | 2,307 |
| Efficiency ratio | 52.0550% | 5,380 |
| Assets per employee ($millions) | 55.6162% | 23 |
| Cash dividends to net income (ytd only)* | 62.3190% | 1,337 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6155% | 5,578 |
| Loan loss allowance to noncurrent loans | 60.6669% | 4,485 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 2,859 |
| Noncurrent loans to loans | 1.0146% | 2,215 |
| Net loans and leases to total assets | 67.1326% | 2,933 |
| Net loans and leases to deposits | 87.1669% | 2,125 |
| Net loans and leases to core deposits | 349.4617% | 23 |
| Total domestic deposits to total assets | 77.0162% | 5,083 |
| Equity capital to assets | 11.1887% | 2,811 |
| Core capital (leverage) ratio | 12.1244% | 1,588 |
| Tier 1 risk-based capital ratio | 13.7918% | 3,675 |
| Total risk-based capital ratio | 14.3043% | 4,040 |
| Memoranda: |
| Average total assets | $1,788,830,000 | 432 |
| Average earning assets | $1,500,897,000 | 465 |
| Average equity | $201,820,000 | 432 |
| Average total loans | $1,263,647,250 | 420 |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.6443% | 4 |
| Cost of funding earning assets | 0.4629% | 2,448 |
| Net interest margin | 20.1814% | 4 |
| Noninterest income to average assets | 13.4179% | 53 |
| Noninterest expense to average assets | 16.8646% | 42 |
| Loan and lease loss provision to assets | 0.7312% | 150 |
| Net operating income to assets | 7.9692% | 20 |
| Return on assets (ROA) | 7.9692% | 21 |
| Pretax return on assets | 12.7418% | 20 |
| Return on Equity (ROE) | 70.3907% | 9 |
| Retained earnings to average equity (ytd only) | 10.4766% | 510 |
| Net charge-offs to loans | 1.3633% | 115 |
| Credit loss provision to net charge-offs | 74.5541% | 2,430 |
| Earnings coverage of net charge-offs (x) | 13.7381% | 2,104 |
| Efficiency ratio | 55.5897% | 5,188 |
| Assets per employee ($millions) | 46.7649% | 23 |
| Cash dividends to net income (ytd only)* | 85.1165% | 788 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4734% | 5,826 |
| Loan loss allowance to noncurrent loans | 57.9686% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 3,058 |
| Noncurrent loans to loans | 0.8166% | 2,702 |
| Net loans and leases to total assets | 79.0819% | 1,053 |
| Net loans and leases to deposits | 109.2158% | 273 |
| Net loans and leases to core deposits | 339.2398% | 26 |
| Total domestic deposits to total assets | 72.4089% | 5,644 |
| Equity capital to assets | 11.1613% | 2,890 |
| Core capital (leverage) ratio | 12.2081% | 1,512 |
| Tier 1 risk-based capital ratio | 12.2119% | 4,696 |
| Total risk-based capital ratio | 12.6235% | 5,126 |
| Memoranda: |
| Average total assets | $1,680,635,330 | 461 |
| Average earning assets | $1,409,009,670 | 491 |
| Average equity | $190,272,330 | 449 |
| Average total loans | $1,209,004,000 | 439 |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.3722% | 6 |
| Cost of funding earning assets | 0.4569% | 2,505 |
| Net interest margin | 18.9153% | 5 |
| Noninterest income to average assets | 13.6961% | 52 |
| Noninterest expense to average assets | 16.4792% | 43 |
| Loan and lease loss provision to assets | 0.6876% | 154 |
| Net operating income to assets | 7.5702% | 26 |
| Return on assets (ROA) | 7.5702% | 25 |
| Pretax return on assets | 12.0385% | 19 |
| Return on Equity (ROE) | 66.3347% | 14 |
| Retained earnings to average equity (ytd only) | -42.5821% | 6,066 |
| Net charge-offs to loans | 1.5616% | 112 |
| Credit loss provision to net charge-offs | 65.0670% | 1,942 |
| Earnings coverage of net charge-offs (x) | 12.0423% | 1,821 |
| Efficiency ratio | 56.4253% | 5,158 |
| Assets per employee ($millions) | 44.2210% | 26 |
| Cash dividends to net income (ytd only)* | 164.1928% | 335 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6827% | 5,622 |
| Loan loss allowance to noncurrent loans | 72.8833% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 3,276 |
| Noncurrent loans to loans | 0.9367% | 2,508 |
| Net loans and leases to total assets | 63.0321% | 3,381 |
| Net loans and leases to deposits | 80.9969% | 2,673 |
| Net loans and leases to core deposits | 317.7407% | 26 |
| Total domestic deposits to total assets | 77.8204% | 5,174 |
| Equity capital to assets | 10.0859% | 3,967 |
| Core capital (leverage) ratio | 9.9545% | 3,593 |
| Tier 1 risk-based capital ratio | 13.4615% | 3,999 |
| Total risk-based capital ratio | 14.0398% | 4,313 |
| Memoranda: |
| Average total assets | $1,609,036,500 | 478 |
| Average earning assets | $1,319,289,500 | 522 |
| Average equity | $183,626,500 | 456 |
| Average total loans | $1,088,915,000 | 471 |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.5574% | 5 |
| Cost of funding earning assets | 0.3206% | 4,021 |
| Net interest margin | 20.2368% | 4 |
| Noninterest income to average assets | 12.5979% | 54 |
| Noninterest expense to average assets | 15.0787% | 48 |
| Loan and lease loss provision to assets | 0.8742% | 101 |
| Net operating income to assets | 8.3893% | 21 |
| Return on assets (ROA) | 8.3893% | 22 |
| Pretax return on assets | 13.2892% | 20 |
| Return on Equity (ROE) | 70.9801% | 7 |
| Retained earnings to average equity (ytd only) | -12.9667% | 6,072 |
| Net charge-offs to loans | 1.3253% | 126 |
| Credit loss provision to net charge-offs | 91.3989% | 2,732 |
| Earnings coverage of net charge-offs (x) | 14.8081% | 2,261 |
| Efficiency ratio | 51.5650% | 5,662 |
| Assets per employee ($millions) | 38.2937% | 28 |
| Cash dividends to net income (ytd only)* | 118.2680% | 258 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8268% | 5,335 |
| Loan loss allowance to noncurrent loans | 89.2754% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 3,025 |
| Noncurrent loans to loans | 0.9262% | 2,485 |
| Net loans and leases to total assets | 71.9364% | 2,066 |
| Net loans and leases to deposits | 95.7074% | 1,043 |
| Net loans and leases to core deposits | 367.8909% | 21 |
| Total domestic deposits to total assets | 75.1628% | 5,541 |
| Equity capital to assets | 12.9438% | 1,382 |
| Core capital (leverage) ratio | 11.2298% | 2,178 |
| Tier 1 risk-based capital ratio | 14.8098% | 3,268 |
| Total risk-based capital ratio | 15.4959% | 3,493 |
| Memoranda: |
| Average total assets | $1,763,783,200 | 413 |
| Average earning assets | $1,450,665,400 | 444 |
| Average equity | $208,465,400 | 400 |
| Average total loans | $1,272,901,400 | 397 |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.8727% | 6 |
| Cost of funding earning assets | 0.3070% | 4,255 |
| Net interest margin | 19.5657% | 5 |
| Noninterest income to average assets | 12.2044% | 59 |
| Noninterest expense to average assets | 14.3183% | 53 |
| Loan and lease loss provision to assets | 0.6860% | 122 |
| Net operating income to assets | 8.4610% | 22 |
| Return on assets (ROA) | 8.4610% | 22 |
| Pretax return on assets | 13.4274% | 21 |
| Return on Equity (ROE) | 73.0031% | 8 |
| Retained earnings to average equity (ytd only) | -2.3763% | 5,891 |
| Net charge-offs to loans | 1.2701% | 128 |
| Credit loss provision to net charge-offs | 74.9145% | 2,686 |
| Earnings coverage of net charge-offs (x) | 15.4135% | 2,182 |
| Efficiency ratio | 50.3604% | 5,757 |
| Assets per employee ($millions) | 50.7588% | 22 |
| Cash dividends to net income (ytd only)* | 103.2551% | 340 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5500% | 5,963 |
| Loan loss allowance to noncurrent loans | 117.1539% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 4,551 |
| Noncurrent loans to loans | 0.4694% | 3,950 |
| Net loans and leases to total assets | 64.5985% | 3,214 |
| Net loans and leases to deposits | 84.3822% | 2,361 |
| Net loans and leases to core deposits | 323.0737% | 26 |
| Total domestic deposits to total assets | 76.5547% | 5,411 |
| Equity capital to assets | 10.6729% | 3,389 |
| Core capital (leverage) ratio | 11.6747% | 1,904 |
| Tier 1 risk-based capital ratio | 13.6742% | 4,039 |
| Total risk-based capital ratio | 14.1319% | 4,420 |
| Memoranda: |
| Average total assets | $1,831,365,500 | 403 |
| Average earning assets | $1,518,876,500 | 436 |
| Average equity | $212,254,250 | 401 |
| Average total loans | $1,320,303,250 | 387 |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.8446% | 6 |
| Cost of funding earning assets | 0.2868% | 4,539 |
| Net interest margin | 19.5578% | 5 |
| Noninterest income to average assets | 11.8054% | 62 |
| Noninterest expense to average assets | 14.1631% | 54 |
| Loan and lease loss provision to assets | 0.5671% | 164 |
| Net operating income to assets | 8.4693% | 30 |
| Return on assets (ROA) | 8.4693% | 30 |
| Pretax return on assets | 13.4788% | 24 |
| Return on Equity (ROE) | 70.9226% | 13 |
| Retained earnings to average equity (ytd only) | -4.9883% | 6,020 |
| Net charge-offs to loans | 1.4481% | 122 |
| Credit loss provision to net charge-offs | 52.3371% | 2,679 |
| Earnings coverage of net charge-offs (x) | 12.9623% | 2,170 |
| Efficiency ratio | 50.2077% | 5,846 |
| Assets per employee ($millions) | 46.3084% | 25 |
| Cash dividends to net income (ytd only)* | 107.0334% | 432 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4043% | 6,162 |
| Loan loss allowance to noncurrent loans | 97.0954% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 4,510 |
| Noncurrent loans to loans | 0.4164% | 4,225 |
| Net loans and leases to total assets | 81.8842% | 565 |
| Net loans and leases to deposits | 112.3808% | 216 |
| Net loans and leases to core deposits | 346.5509% | 25 |
| Total domestic deposits to total assets | 72.8631% | 5,885 |
| Equity capital to assets | 12.2256% | 1,857 |
| Core capital (leverage) ratio | 12.8453% | 1,236 |
| Tier 1 risk-based capital ratio | 13.1745% | 4,410 |
| Total risk-based capital ratio | 13.5327% | 4,849 |
| Memoranda: |
| Average total assets | $1,765,037,330 | 415 |
| Average earning assets | $1,480,380,670 | 445 |
| Average equity | $210,773,330 | 403 |
| Average total loans | $1,320,794,670 | 386 |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.1131% | 4 |
| Cost of funding earning assets | 0.2740% | 4,737 |
| Net interest margin | 18.8390% | 3 |
| Noninterest income to average assets | 11.2107% | 67 |
| Noninterest expense to average assets | 13.8705% | 52 |
| Loan and lease loss provision to assets | 0.6915% | 133 |
| Net operating income to assets | 7.7389% | 26 |
| Return on assets (ROA) | 7.7389% | 27 |
| Pretax return on assets | 12.3152% | 28 |
| Return on Equity (ROE) | 65.5827% | 15 |
| Retained earnings to average equity (ytd only) | -45.6394% | 6,381 |
| Net charge-offs to loans | 1.5888% | 120 |
| Credit loss provision to net charge-offs | 61.1689% | 1,987 |
| Earnings coverage of net charge-offs (x) | 11.5052% | 1,857 |
| Efficiency ratio | 51.6068% | 5,833 |
| Assets per employee ($millions) | 47.6502% | 24 |
| Cash dividends to net income (ytd only)* | 169.5906% | 301 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6915% | 5,918 |
| Loan loss allowance to noncurrent loans | 112.4419% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 4,403 |
| Noncurrent loans to loans | 0.6150% | 3,732 |
| Net loans and leases to total assets | 65.4414% | 2,856 |
| Net loans and leases to deposits | 82.5035% | 2,277 |
| Net loans and leases to core deposits | 320.3255% | 29 |
| Total domestic deposits to total assets | 79.3195% | 5,210 |
| Equity capital to assets | 10.5862% | 3,446 |
| Core capital (leverage) ratio | 10.0859% | 3,498 |
| Tier 1 risk-based capital ratio | 13.9055% | 4,084 |
| Total risk-based capital ratio | 14.5040% | 4,379 |
| Memoranda: |
| Average total assets | $1,767,696,500 | 416 |
| Average earning assets | $1,470,011,000 | 448 |
| Average equity | $208,591,500 | 404 |
| Average total loans | $1,257,801,500 | 397 |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 21.0101% | 4 |
| Cost of funding earning assets | 0.2610% | 5,211 |
| Net interest margin | 20.7491% | 4 |
| Noninterest income to average assets | 10.5864% | 64 |
| Noninterest expense to average assets | 13.1037% | 55 |
| Loan and lease loss provision to assets | 1.1327% | 87 |
| Net operating income to assets | 8.8464% | 23 |
| Return on assets (ROA) | 8.8464% | 23 |
| Pretax return on assets | 13.9986% | 21 |
| Return on Equity (ROE) | 76.7270% | 8 |
| Retained earnings to average equity (ytd only) | 8.2979% | 909 |
| Net charge-offs to loans | 1.2297% | 215 |
| Credit loss provision to net charge-offs | 119.5589% | 2,013 |
| Earnings coverage of net charge-offs (x) | 15.9714% | 2,047 |
| Efficiency ratio | 46.4094% | 6,253 |
| Assets per employee ($millions) | 44.1325% | 26 |
| Cash dividends to net income (ytd only)* | 89.1851% | 608 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8062% | 5,756 |
| Loan loss allowance to noncurrent loans | 72.3582% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 3,062 |
| Noncurrent loans to loans | 1.1142% | 2,608 |
| Net loans and leases to total assets | 76.3605% | 1,214 |
| Net loans and leases to deposits | 101.3151% | 550 |
| Net loans and leases to core deposits | 396.8342% | 21 |
| Total domestic deposits to total assets | 75.3693% | 5,816 |
| Equity capital to assets | 13.1455% | 1,296 |
| Core capital (leverage) ratio | 10.7082% | 2,710 |
| Tier 1 risk-based capital ratio | 15.0733% | 3,448 |
| Total risk-based capital ratio | 15.7850% | 3,696 |
| Memoranda: |
| Average total assets | $1,875,862,600 | 389 |
| Average earning assets | $1,595,559,200 | 407 |
| Average equity | $216,282,400 | 380 |
| Average total loans | $1,445,241,600 | 342 |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 19.8385% | 6 |
| Cost of funding earning assets | 0.2448% | 5,458 |
| Net interest margin | 19.5937% | 4 |
| Noninterest income to average assets | 10.4329% | 65 |
| Noninterest expense to average assets | 12.3466% | 57 |
| Loan and lease loss provision to assets | 1.0854% | 103 |
| Net operating income to assets | 8.6930% | 23 |
| Return on assets (ROA) | 8.6930% | 23 |
| Pretax return on assets | 13.7811% | 21 |
| Return on Equity (ROE) | 77.7688% | 6 |
| Retained earnings to average equity (ytd only) | 16.4433% | 152 |
| Net charge-offs to loans | 1.1941% | 231 |
| Credit loss provision to net charge-offs | 117.9547% | 1,937 |
| Earnings coverage of net charge-offs (x) | 16.1565% | 2,002 |
| Efficiency ratio | 45.3700% | 6,313 |
| Assets per employee ($millions) | 61.5665% | 21 |
| Cash dividends to net income (ytd only)* | 78.8562% | 769 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5623% | 6,270 |
| Loan loss allowance to noncurrent loans | 163.1874% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 5,249 |
| Noncurrent loans to loans | 0.3446% | 4,866 |
| Net loans and leases to total assets | 70.4279% | 2,127 |
| Net loans and leases to deposits | 84.1364% | 2,130 |
| Net loans and leases to core deposits | 321.3869% | 26 |
| Total domestic deposits to total assets | 83.7068% | 3,877 |
| Equity capital to assets | 9.7864% | 4,437 |
| Core capital (leverage) ratio | 11.5884% | 1,989 |
| Tier 1 risk-based capital ratio | 12.5360% | 5,149 |
| Total risk-based capital ratio | 13.0462% | 5,532 |
| Memoranda: |
| Average total assets | $1,925,569,500 | 377 |
| Average earning assets | $1,649,076,250 | 392 |
| Average equity | $215,239,500 | 378 |
| Average total loans | $1,483,802,000 | 331 |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 20.9769% | 4 |
| Cost of funding earning assets | 0.2179% | 5,768 |
| Net interest margin | 20.7590% | 4 |
| Noninterest income to average assets | 10.6645% | 63 |
| Noninterest expense to average assets | 12.5204% | 56 |
| Loan and lease loss provision to assets | 1.0874% | 90 |
| Net operating income to assets | 9.3888% | 19 |
| Return on assets (ROA) | 9.3888% | 19 |
| Pretax return on assets | 14.8241% | 19 |
| Return on Equity (ROE) | 79.6667% | 7 |
| Retained earnings to average equity (ytd only) | 16.0594% | 171 |
| Net charge-offs to loans | 1.2518% | 244 |
| Credit loss provision to net charge-offs | 108.8842% | 1,841 |
| Earnings coverage of net charge-offs (x) | 15.9328% | 1,823 |
| Efficiency ratio | 44.0363% | 6,417 |
| Assets per employee ($millions) | 51.8696% | 24 |
| Cash dividends to net income (ytd only)* | 79.8417% | 904 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4839% | 6,432 |
| Loan loss allowance to noncurrent loans | 138.9638% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 5,206 |
| Noncurrent loans to loans | 0.3482% | 4,960 |
| Net loans and leases to total assets | 82.7743% | 393 |
| Net loans and leases to deposits | 99.6879% | 572 |
| Net loans and leases to core deposits | 436.5255% | 24 |
| Total domestic deposits to total assets | 83.0335% | 4,294 |
| Equity capital to assets | 11.4300% | 2,487 |
| Core capital (leverage) ratio | 12.4855% | 1,405 |
| Tier 1 risk-based capital ratio | 12.6098% | 5,151 |
| Total risk-based capital ratio | 13.0538% | 5,573 |
| Memoranda: |
| Average total assets | $1,787,583,330 | 398 |
| Average earning assets | $1,529,979,330 | 413 |
| Average equity | $210,667,670 | 381 |
| Average total loans | $1,426,070,000 | 332 |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 21.1089% | 3 |
| Cost of funding earning assets | 0.2159% | 5,879 |
| Net interest margin | 20.8930% | 3 |
| Noninterest income to average assets | 10.0398% | 62 |
| Noninterest expense to average assets | 12.9637% | 53 |
| Loan and lease loss provision to assets | 1.5154% | 66 |
| Net operating income to assets | 8.3950% | 24 |
| Return on assets (ROA) | 8.3950% | 24 |
| Pretax return on assets | 13.2553% | 24 |
| Return on Equity (ROE) | 70.0578% | 15 |
| Retained earnings to average equity (ytd only) | 15.7735% | 284 |
| Net charge-offs to loans | 1.2209% | 273 |
| Credit loss provision to net charge-offs | 159.3697% | 1,203 |
| Earnings coverage of net charge-offs (x) | 15.5338% | 1,544 |
| Efficiency ratio | 46.7424% | 6,401 |
| Assets per employee ($millions) | 50.5307% | 27 |
| Cash dividends to net income (ytd only)* | 77.4851% | 1,018 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6493% | 6,343 |
| Loan loss allowance to noncurrent loans | 122.3471% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 4,875 |
| Noncurrent loans to loans | 0.5307% | 4,582 |
| Net loans and leases to total assets | 78.7420% | 682 |
| Net loans and leases to deposits | 95.1266% | 708 |
| Net loans and leases to core deposits | 424.5189% | 24 |
| Total domestic deposits to total assets | 82.7760% | 4,677 |
| Equity capital to assets | 11.5674% | 2,188 |
| Core capital (leverage) ratio | 10.8630% | 2,532 |
| Tier 1 risk-based capital ratio | 13.1447% | 4,924 |
| Total risk-based capital ratio | 13.7294% | 5,263 |
| Memoranda: |
| Average total assets | $1,721,786,500 | 410 |
| Average earning assets | $1,458,211,000 | 434 |
| Average equity | $206,321,000 | 389 |
| Average total loans | $1,340,949,500 | 351 |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 21.6207% | 4 |
| Cost of funding earning assets | 0.1848% | 6,368 |
| Net interest margin | 21.4359% | 4 |
| Noninterest income to average assets | 11.1998% | 57 |
| Noninterest expense to average assets | 13.7166% | 54 |
| Loan and lease loss provision to assets | 0.7137% | 319 |
| Net operating income to assets | 9.7576% | 22 |
| Return on assets (ROA) | 9.7576% | 22 |
| Pretax return on assets | 15.3920% | 20 |
| Return on Equity (ROE) | 79.7842% | 6 |
| Retained earnings to average equity (ytd only) | 8.4390% | 924 |
| Net charge-offs to loans | 1.0125% | 572 |
| Credit loss provision to net charge-offs | 87.1204% | 2,841 |
| Earnings coverage of net charge-offs (x) | 19.6601% | 1,596 |
| Efficiency ratio | 45.9944% | 6,556 |
| Assets per employee ($millions) | 45.1241% | 28 |
| Cash dividends to net income (ytd only)* | 89.4227% | 655 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5590% | 6,515 |
| Loan loss allowance to noncurrent loans | 123.4111% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.3458% | 5,232 |
| Noncurrent loans to loans | 0.4529% | 4,862 |
| Net loans and leases to total assets | 75.9145% | 1,087 |
| Net loans and leases to deposits | 91.3693% | 1,124 |
| Net loans and leases to core deposits | 441.4871% | 22 |
| Total domestic deposits to total assets | 83.0853% | 4,517 |
| Equity capital to assets | 12.4483% | 1,538 |
| Core capital (leverage) ratio | 11.6704% | 1,847 |
| Tier 1 risk-based capital ratio | 14.5758% | 3,918 |
| Total risk-based capital ratio | 15.0753% | 4,369 |
| Memoranda: |
| Average total assets | $1,615,951,800 | 429 |
| Average earning assets | $1,403,856,200 | 441 |
| Average equity | $197,630,600 | 392 |
| Average total loans | $1,307,424,600 | 341 |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 21.5675% | 4 |
| Cost of funding earning assets | 0.1808% | 6,497 |
| Net interest margin | 21.3867% | 4 |
| Noninterest income to average assets | 11.2439% | 59 |
| Noninterest expense to average assets | 13.9341% | 54 |
| Loan and lease loss provision to assets | 0.6329% | 366 |
| Net operating income to assets | 9.7346% | 18 |
| Return on assets (ROA) | 9.7346% | 18 |
| Pretax return on assets | 15.3422% | 17 |
| Return on Equity (ROE) | 79.9552% | 6 |
| Retained earnings to average equity (ytd only) | 16.1686% | 156 |
| Net charge-offs to loans | 1.0519% | 539 |
| Credit loss provision to net charge-offs | 73.3250% | 2,994 |
| Earnings coverage of net charge-offs (x) | 18.5072% | 1,674 |
| Efficiency ratio | 46.5879% | 6,564 |
| Assets per employee ($millions) | 52.2691% | 31 |
| Cash dividends to net income (ytd only)* | 79.7780% | 791 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4043% | 6,721 |
| Loan loss allowance to noncurrent loans | 119.5586% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.2753% | 5,621 |
| Noncurrent loans to loans | 0.3382% | 5,375 |
| Net loans and leases to total assets | 81.0866% | 443 |
| Net loans and leases to deposits | 97.3052% | 604 |
| Net loans and leases to core deposits | 422.3835% | 24 |
| Total domestic deposits to total assets | 83.3323% | 4,447 |
| Equity capital to assets | 11.7893% | 2,054 |
| Core capital (leverage) ratio | 12.4365% | 1,451 |
| Tier 1 risk-based capital ratio | 13.2112% | 4,976 |
| Total risk-based capital ratio | 13.5800% | 5,493 |
| Memoranda: |
| Average total assets | $1,613,822,750 | 430 |
| Average earning assets | $1,408,472,500 | 441 |
| Average equity | $196,483,500 | 393 |
| Average total loans | $1,324,246,250 | 341 |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 21.3936% | 4 |
| Cost of funding earning assets | 0.1838% | 6,555 |
| Net interest margin | 21.2098% | 4 |
| Noninterest income to average assets | 10.6515% | 65 |
| Noninterest expense to average assets | 14.1645% | 52 |
| Loan and lease loss provision to assets | 0.5779% | 443 |
| Net operating income to assets | 9.2720% | 20 |
| Return on assets (ROA) | 9.2720% | 20 |
| Pretax return on assets | 14.7329% | 18 |
| Return on Equity (ROE) | 75.2503% | 7 |
| Retained earnings to average equity (ytd only) | 11.7550% | 532 |
| Net charge-offs to loans | 1.0575% | 572 |
| Credit loss provision to net charge-offs | 66.4014% | 2,907 |
| Earnings coverage of net charge-offs (x) | 17.5917% | 1,599 |
| Efficiency ratio | 48.0554% | 6,529 |
| Assets per employee ($millions) | 45.8563% | 31 |
| Cash dividends to net income (ytd only)* | 84.3788% | 812 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4746% | 6,724 |
| Loan loss allowance to noncurrent loans | 117.5046% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3371% | 5,468 |
| Noncurrent loans to loans | 0.4039% | 5,253 |
| Net loans and leases to total assets | 83.0620% | 291 |
| Net loans and leases to deposits | 99.6039% | 446 |
| Net loans and leases to core deposits | 361.9628% | 26 |
| Total domestic deposits to total assets | 83.3923% | 4,554 |
| Equity capital to assets | 12.2775% | 1,723 |
| Core capital (leverage) ratio | 12.6755% | 1,299 |
| Tier 1 risk-based capital ratio | 13.6244% | 4,694 |
| Total risk-based capital ratio | 14.0638% | 5,209 |
| Memoranda: |
| Average total assets | $1,559,381,000 | 441 |
| Average earning assets | $1,383,957,000 | 445 |
| Average equity | $192,140,000 | 398 |
| Average total loans | $1,283,368,670 | 343 |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 21.1250% | 4 |
| Cost of funding earning assets | 0.1752% | 6,698 |
| Net interest margin | 20.9498% | 4 |
| Noninterest income to average assets | 10.0212% | 70 |
| Noninterest expense to average assets | 13.9829% | 55 |
| Loan and lease loss provision to assets | 0.4800% | 567 |
| Net operating income to assets | 8.8708% | 25 |
| Return on assets (ROA) | 8.8708% | 25 |
| Pretax return on assets | 14.1100% | 21 |
| Return on Equity (ROE) | 71.8602% | 11 |
| Retained earnings to average equity (ytd only) | 14.9237% | 361 |
| Net charge-offs to loans | 1.2548% | 456 |
| Credit loss provision to net charge-offs | 46.8258% | 2,647 |
| Earnings coverage of net charge-offs (x) | 14.2324% | 1,469 |
| Efficiency ratio | 48.9377% | 6,572 |
| Assets per employee ($millions) | 46.8565% | 34 |
| Cash dividends to net income (ytd only)* | 79.2323% | 910 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4995% | 6,792 |
| Loan loss allowance to noncurrent loans | 98.6580% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.4044% | 5,382 |
| Noncurrent loans to loans | 0.5063% | 5,163 |
| Net loans and leases to total assets | 79.4749% | 473 |
| Net loans and leases to deposits | 95.2876% | 577 |
| Net loans and leases to core deposits | 149.1385% | 96 |
| Total domestic deposits to total assets | 83.4052% | 4,710 |
| Equity capital to assets | 11.7795% | 2,198 |
| Core capital (leverage) ratio | 12.3601% | 1,398 |
| Tier 1 risk-based capital ratio | 13.6657% | 4,749 |
| Total risk-based capital ratio | 14.1289% | 5,257 |
| Memoranda: |
| Average total assets | $1,536,587,000 | 452 |
| Average earning assets | $1,360,701,000 | 451 |
| Average equity | $189,685,000 | 409 |
| Average total loans | $1,255,314,500 | 350 |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 23.2448% | 4 |
| Cost of funding earning assets | 0.3055% | 6,425 |
| Net interest margin | 22.9393% | 4 |
| Noninterest income to average assets | 10.5567% | 67 |
| Noninterest expense to average assets | 14.8663% | 53 |
| Loan and lease loss provision to assets | 1.0862% | 353 |
| Net operating income to assets | 9.6091% | 24 |
| Return on assets (ROA) | 9.6091% | 24 |
| Pretax return on assets | 15.1692% | 22 |
| Return on Equity (ROE) | 76.9109% | 7 |
| Retained earnings to average equity (ytd only) | 14.5862% | 176 |
| Net charge-offs to loans | 1.3587% | 692 |
| Credit loss provision to net charge-offs | 94.8470% | 3,282 |
| Earnings coverage of net charge-offs (x) | 14.1937% | 1,755 |
| Efficiency ratio | 47.7682% | 6,723 |
| Assets per employee ($millions) | 46.2321% | 33 |
| Cash dividends to net income (ytd only)* | 81.0350% | 968 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7193% | 6,607 |
| Loan loss allowance to noncurrent loans | 153.0840% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 5,501 |
| Noncurrent loans to loans | 0.4699% | 5,351 |
| Net loans and leases to total assets | 83.1763% | 258 |
| Net loans and leases to deposits | 104.7067% | 250 |
| Net loans and leases to core deposits | 226.8741% | 47 |
| Total domestic deposits to total assets | 79.4374% | 5,797 |
| Equity capital to assets | 12.9911% | 1,460 |
| Core capital (leverage) ratio | 11.6273% | 1,783 |
| Tier 1 risk-based capital ratio | 14.3694% | 4,113 |
| Total risk-based capital ratio | 15.0367% | 4,496 |
| Memoranda: |
| Average total assets | $1,464,030,800 | 459 |
| Average earning assets | $1,312,501,800 | 461 |
| Average equity | $182,913,000 | 406 |
| Average total loans | $1,234,023,800 | 357 |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 23.0700% | 4 |
| Cost of funding earning assets | 0.3187% | 6,522 |
| Net interest margin | 22.7513% | 4 |
| Noninterest income to average assets | 10.7291% | 70 |
| Noninterest expense to average assets | 14.7975% | 52 |
| Loan and lease loss provision to assets | 0.9662% | 435 |
| Net operating income to assets | 9.7760% | 22 |
| Return on assets (ROA) | 9.7760% | 22 |
| Pretax return on assets | 15.4299% | 20 |
| Return on Equity (ROE) | 79.0128% | 7 |
| Retained earnings to average equity (ytd only) | 29.9552% | 33 |
| Net charge-offs to loans | 1.3581% | 679 |
| Credit loss provision to net charge-offs | 84.2750% | 3,491 |
| Earnings coverage of net charge-offs (x) | 14.3015% | 1,840 |
| Efficiency ratio | 47.4377% | 6,749 |
| Assets per employee ($millions) | 59.0138% | 31 |
| Cash dividends to net income (ytd only)* | 62.0882% | 1,199 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.5647% | 6,898 |
| Loan loss allowance to noncurrent loans | 174.1883% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2357% | 6,111 |
| Noncurrent loans to loans | 0.3242% | 5,829 |
| Net loans and leases to total assets | 72.3007% | 1,501 |
| Net loans and leases to deposits | 84.6103% | 1,790 |
| Net loans and leases to core deposits | 126.1852% | 227 |
| Total domestic deposits to total assets | 85.4514% | 3,541 |
| Equity capital to assets | 10.9619% | 3,316 |
| Core capital (leverage) ratio | 12.3742% | 1,459 |
| Tier 1 risk-based capital ratio | 14.0352% | 4,493 |
| Total risk-based capital ratio | 14.5617% | 4,980 |
| Memoranda: |
| Average total assets | $1,471,739,750 | 454 |
| Average earning assets | $1,323,812,500 | 456 |
| Average equity | $182,094,250 | 408 |
| Average total loans | $1,242,351,000 | 357 |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.5999% | 4 |
| Cost of funding earning assets | 0.3531% | 6,498 |
| Net interest margin | 24.2467% | 4 |
| Noninterest income to average assets | 11.1032% | 70 |
| Noninterest expense to average assets | 15.7375% | 52 |
| Loan and lease loss provision to assets | 0.8656% | 556 |
| Net operating income to assets | 10.2874% | 17 |
| Return on assets (ROA) | 10.2874% | 17 |
| Pretax return on assets | 16.4512% | 19 |
| Return on Equity (ROE) | 79.0801% | 6 |
| Retained earnings to average equity (ytd only) | 41.5685% | 25 |
| Net charge-offs to loans | 1.5958% | 593 |
| Credit loss provision to net charge-offs | 60.4815% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.0990% | 1,908 |
| Efficiency ratio | 47.6111% | 6,798 |
| Assets per employee ($millions) | 48.4221% | 34 |
| Cash dividends to net income (ytd only)* | 47.4349% | 1,847 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.4501% | 7,047 |
| Loan loss allowance to noncurrent loans | 157.8420% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 6,191 |
| Noncurrent loans to loans | 0.2852% | 5,997 |
| Net loans and leases to total assets | 81.0164% | 402 |
| Net loans and leases to deposits | 97.2260% | 561 |
| Net loans and leases to core deposits | 197.0311% | 55 |
| Total domestic deposits to total assets | 83.3279% | 4,616 |
| Equity capital to assets | 12.6584% | 1,715 |
| Core capital (leverage) ratio | 13.3159% | 1,049 |
| Tier 1 risk-based capital ratio | 14.4750% | 4,119 |
| Total risk-based capital ratio | 14.8944% | 4,677 |
| Memoranda: |
| Average total assets | $1,352,510,670 | 495 |
| Average earning assets | $1,224,461,330 | 497 |
| Average equity | $175,945,670 | 427 |
| Average total loans | $1,213,068,330 | 364 |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.4307% | 4 |
| Cost of funding earning assets | 0.3663% | 6,566 |
| Net interest margin | 24.0644% | 4 |
| Noninterest income to average assets | 10.9721% | 70 |
| Noninterest expense to average assets | 16.2187% | 44 |
| Loan and lease loss provision to assets | 1.0858% | 367 |
| Net operating income to assets | 10.4277% | 18 |
| Return on assets (ROA) | 10.4277% | 19 |
| Pretax return on assets | 16.6754% | 16 |
| Return on Equity (ROE) | 78.8462% | 13 |
| Retained earnings to average equity (ytd only) | 30.6089% | 52 |
| Net charge-offs to loans | 1.5588% | 646 |
| Credit loss provision to net charge-offs | 73.4571% | 2,853 |
| Earnings coverage of net charge-offs (x) | 12.0160% | 1,629 |
| Efficiency ratio | 47.7302% | 6,823 |
| Assets per employee ($millions) | 43.3278% | 36 |
| Cash dividends to net income (ytd only)* | 61.1789% | 1,178 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6490% | 6,935 |
| Loan loss allowance to noncurrent loans | 191.3697% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3218% | 6,083 |
| Noncurrent loans to loans | 0.3391% | 5,993 |
| Net loans and leases to total assets | 94.2720% | 8 |
| Net loans and leases to deposits | 121.1168% | 65 |
| Net loans and leases to core deposits | 361.9816% | 34 |
| Total domestic deposits to total assets | 77.8357% | 6,287 |
| Equity capital to assets | 12.8195% | 1,531 |
| Core capital (leverage) ratio | 14.3604% | 718 |
| Tier 1 risk-based capital ratio | 13.0492% | 5,177 |
| Total risk-based capital ratio | 13.6766% | 5,630 |
| Memoranda: |
| Average total assets | $1,254,012,000 | 531 |
| Average earning assets | $1,198,951,500 | 504 |
| Average equity | $165,847,000 | 446 |
| Average total loans | $1,189,086,500 | 367 |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.9471% | 4 |
| Cost of funding earning assets | 0.4653% | 6,675 |
| Net interest margin | 24.4818% | 4 |
| Noninterest income to average assets | 10.6746% | 62 |
| Noninterest expense to average assets | 16.1253% | 41 |
| Loan and lease loss provision to assets | 1.6228% | 431 |
| Net operating income to assets | 10.3036% | 16 |
| Return on assets (ROA) | 10.3036% | 17 |
| Pretax return on assets | 16.4482% | 16 |
| Return on Equity (ROE) | 78.8984% | 5 |
| Retained earnings to average equity (ytd only) | 19.5079% | 56 |
| Net charge-offs to loans | 1.6356% | 959 |
| Credit loss provision to net charge-offs | 104.3008% | 3,296 |
| Earnings coverage of net charge-offs (x) | 11.6145% | 1,703 |
| Efficiency ratio | 47.1551% | 6,991 |
| Assets per employee ($millions) | 38.8287% | 38 |
| Cash dividends to net income (ytd only)* | 75.2747% | 939 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8609% | 6,625 |
| Loan loss allowance to noncurrent loans | 162.8836% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.5007% | 5,720 |
| Noncurrent loans to loans | 0.5285% | 5,657 |
| Net loans and leases to total assets | 93.9317% | 9 |
| Net loans and leases to deposits | 116.2070% | 104 |
| Net loans and leases to core deposits | 423.5850% | 37 |
| Total domestic deposits to total assets | 80.8314% | 5,504 |
| Equity capital to assets | 13.6932% | 1,177 |
| Core capital (leverage) ratio | 12.6060% | 1,306 |
| Tier 1 risk-based capital ratio | 13.9482% | 4,358 |
| Total risk-based capital ratio | 14.7801% | 4,642 |
| Memoranda: |
| Average total assets | $1,211,965,800 | 539 |
| Average earning assets | $1,164,432,400 | 507 |
| Average equity | $158,274,400 | 446 |
| Average total loans | $1,152,893,400 | 369 |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.7809% | 5 |
| Cost of funding earning assets | 0.4718% | 6,808 |
| Net interest margin | 24.3091% | 5 |
| Noninterest income to average assets | 10.4081% | 62 |
| Noninterest expense to average assets | 15.8192% | 41 |
| Loan and lease loss provision to assets | 1.5509% | 431 |
| Net operating income to assets | 10.2721% | 19 |
| Return on assets (ROA) | 10.2721% | 21 |
| Pretax return on assets | 16.4246% | 16 |
| Return on Equity (ROE) | 79.5762% | 6 |
| Retained earnings to average equity (ytd only) | 42.4384% | 12 |
| Net charge-offs to loans | 1.4656% | 1,001 |
| Credit loss provision to net charge-offs | 111.1415% | 2,953 |
| Earnings coverage of net charge-offs (x) | 12.8814% | 1,663 |
| Efficiency ratio | 46.8096% | 7,021 |
| Assets per employee ($millions) | 43.1415% | 40 |
| Cash dividends to net income (ytd only)* | 46.6695% | 1,727 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.8004% | 6,822 |
| Loan loss allowance to noncurrent loans | 184.9543% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4090% | 6,060 |
| Noncurrent loans to loans | 0.4327% | 5,975 |
| Net loans and leases to total assets | 93.7595% | 9 |
| Net loans and leases to deposits | 122.5777% | 77 |
| Net loans and leases to core deposits | 377.4793% | 36 |
| Total domestic deposits to total assets | 76.4899% | 6,458 |
| Equity capital to assets | 13.3802% | 1,421 |
| Core capital (leverage) ratio | 13.5665% | 1,023 |
| Tier 1 risk-based capital ratio | 13.6991% | 4,573 |
| Total risk-based capital ratio | 14.4746% | 4,904 |
| Memoranda: |
| Average total assets | $1,223,741,750 | 543 |
| Average earning assets | $1,177,303,500 | 507 |
| Average equity | $157,966,250 | 455 |
| Average total loans | $1,165,197,750 | 368 |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.6083% | 5 |
| Cost of funding earning assets | 0.4773% | 6,924 |
| Net interest margin | 24.1311% | 5 |
| Noninterest income to average assets | 9.6376% | 70 |
| Noninterest expense to average assets | 15.7600% | 43 |
| Loan and lease loss provision to assets | 1.3772% | 533 |
| Net operating income to assets | 9.8924% | 23 |
| Return on assets (ROA) | 9.8924% | 24 |
| Pretax return on assets | 15.7713% | 20 |
| Return on Equity (ROE) | 77.7025% | 9 |
| Retained earnings to average equity (ytd only) | 64.4551% | 7 |
| Net charge-offs to loans | 1.5429% | 954 |
| Credit loss provision to net charge-offs | 93.4860% | 3,363 |
| Earnings coverage of net charge-offs (x) | 11.6404% | 1,698 |
| Efficiency ratio | 47.8903% | 7,066 |
| Assets per employee ($millions) | 47.0842% | 38 |
| Cash dividends to net income (ytd only)* | 17.0488% | 2,955 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.6264% | 7,111 |
| Loan loss allowance to noncurrent loans | 82.4970% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.7209% | 5,462 |
| Noncurrent loans to loans | 0.7593% | 5,391 |
| Net loans and leases to total assets | 94.3486% | 10 |
| Net loans and leases to deposits | 114.9861% | 118 |
| Net loans and leases to core deposits | 356.5912% | 41 |
| Total domestic deposits to total assets | 82.0522% | 5,147 |
| Equity capital to assets | 12.9811% | 1,525 |
| Core capital (leverage) ratio | 14.1349% | 839 |
| Tier 1 risk-based capital ratio | 13.2622% | 4,721 |
| Total risk-based capital ratio | 13.8703% | 5,214 |
| Memoranda: |
| Average total assets | $1,185,860,670 | 562 |
| Average earning assets | $1,143,597,000 | 525 |
| Average equity | $150,973,330 | 471 |
| Average total loans | $1,132,249,330 | 387 |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.3071% | 5 |
| Cost of funding earning assets | 0.4809% | 7,036 |
| Net interest margin | 23.8262% | 5 |
| Noninterest income to average assets | 9.3808% | 71 |
| Noninterest expense to average assets | 16.4832% | 44 |
| Loan and lease loss provision to assets | 1.5488% | 405 |
| Net operating income to assets | 8.9834% | 26 |
| Return on assets (ROA) | 8.9834% | 27 |
| Pretax return on assets | 14.2921% | 22 |
| Return on Equity (ROE) | 71.4359% | 17 |
| Retained earnings to average equity (ytd only) | 54.0238% | 23 |
| Net charge-offs to loans | 1.7807% | 731 |
| Credit loss provision to net charge-offs | 90.7807% | 2,936 |
| Earnings coverage of net charge-offs (x) | 9.2849% | 1,736 |
| Efficiency ratio | 50.9935% | 6,922 |
| Assets per employee ($millions) | 42.8198% | 39 |
| Cash dividends to net income (ytd only)* | 24.3744% | 2,123 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7178% | 7,056 |
| Loan loss allowance to noncurrent loans | 102.3928% | 2,804 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 5,608 |
| Noncurrent loans to loans | 0.7011% | 5,615 |
| Net loans and leases to total assets | 95.2743% | 5 |
| Net loans and leases to deposits | 116.1341% | 115 |
| Net loans and leases to core deposits | 340.6158% | 44 |
| Total domestic deposits to total assets | 82.0382% | 5,300 |
| Equity capital to assets | 12.2724% | 1,754 |
| Core capital (leverage) ratio | 14.3661% | 767 |
| Tier 1 risk-based capital ratio | 12.4239% | 5,336 |
| Total risk-based capital ratio | 13.1216% | 5,804 |
| Memoranda: |
| Average total assets | $1,096,070,500 | 615 |
| Average earning assets | $1,055,460,500 | 574 |
| Average equity | $137,835,500 | 507 |
| Average total loans | $1,050,176,000 | 416 |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.8385% | 3 |
| Cost of funding earning assets | 0.5812% | 7,160 |
| Net interest margin | 25.2572% | 2 |
| Noninterest income to average assets | 8.9759% | 71 |
| Noninterest expense to average assets | 17.5644% | 45 |
| Loan and lease loss provision to assets | 1.7558% | 796 |
| Net operating income to assets | 8.4309% | 20 |
| Return on assets (ROA) | 8.4309% | 21 |
| Pretax return on assets | 13.9201% | 16 |
| Return on Equity (ROE) | 65.8522% | 8 |
| Retained earnings to average equity (ytd only) | 18.2083% | 71 |
| Net charge-offs to loans | 1.9867% | 1,021 |
| Credit loss provision to net charge-offs | 92.6949% | 5,006 |
| Earnings coverage of net charge-offs (x) | 8.2760% | 1,990 |
| Efficiency ratio | 52.8408% | 6,907 |
| Assets per employee ($millions) | 34.2478% | 46 |
| Cash dividends to net income (ytd only)* | 72.3497% | 1,124 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.9149% | 6,683 |
| Loan loss allowance to noncurrent loans | 181.9514% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 6,072 |
| Noncurrent loans to loans | 0.5028% | 6,032 |
| Net loans and leases to total assets | 94.7564% | 5 |
| Net loans and leases to deposits | 124.3449% | 97 |
| Net loans and leases to core deposits | 398.0186% | 39 |
| Total domestic deposits to total assets | 76.2045% | 6,613 |
| Equity capital to assets | 12.9412% | 1,416 |
| Core capital (leverage) ratio | 13.1604% | 1,075 |
| Tier 1 risk-based capital ratio | 13.0871% | 4,532 |
| Total risk-based capital ratio | 13.9725% | 4,816 |
| Memoranda: |
| Average total assets | $934,468,800 | 722 |
| Average earning assets | $897,735,000 | 672 |
| Average equity | $119,637,600 | 566 |
| Average total loans | $890,913,400 | 505 |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.8655% | 3 |
| Cost of funding earning assets | 0.6031% | 7,284 |
| Net interest margin | 25.2624% | 2 |
| Noninterest income to average assets | 8.8422% | 73 |
| Noninterest expense to average assets | 17.4453% | 46 |
| Loan and lease loss provision to assets | 1.5899% | 814 |
| Net operating income to assets | 8.2270% | 20 |
| Return on assets (ROA) | 8.2270% | 21 |
| Pretax return on assets | 14.0937% | 18 |
| Return on Equity (ROE) | 64.4481% | 8 |
| Retained earnings to average equity (ytd only) | 15.6195% | 184 |
| Net charge-offs to loans | 2.1293% | 869 |
| Credit loss provision to net charge-offs | 78.3820% | 5,188 |
| Earnings coverage of net charge-offs (x) | 7.7321% | 2,276 |
| Efficiency ratio | 52.6588% | 6,920 |
| Assets per employee ($millions) | 31.9125% | 45 |
| Cash dividends to net income (ytd only)* | 75.7643% | 751 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7357% | 7,140 |
| Loan loss allowance to noncurrent loans | 179.1913% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.3925% | 6,436 |
| Noncurrent loans to loans | 0.4105% | 6,377 |
| Net loans and leases to total assets | 94.9014% | 7 |
| Net loans and leases to deposits | 126.2035% | 89 |
| Net loans and leases to core deposits | 363.6807% | 39 |
| Total domestic deposits to total assets | 75.1971% | 6,782 |
| Equity capital to assets | 12.1855% | 2,038 |
| Core capital (leverage) ratio | 12.7562% | 1,316 |
| Tier 1 risk-based capital ratio | 12.3325% | 5,139 |
| Total risk-based capital ratio | 13.0452% | 5,625 |
| Memoranda: |
| Average total assets | $919,789,500 | 732 |
| Average earning assets | $884,265,000 | 681 |
| Average equity | $117,414,500 | 568 |
| Average total loans | $876,192,500 | 510 |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.7421% | 3 |
| Cost of funding earning assets | 0.6437% | 7,311 |
| Net interest margin | 25.0984% | 2 |
| Noninterest income to average assets | 8.3475% | 79 |
| Noninterest expense to average assets | 17.4903% | 44 |
| Loan and lease loss provision to assets | 1.6968% | 742 |
| Net operating income to assets | 8.4064% | 23 |
| Return on assets (ROA) | 8.4064% | 23 |
| Pretax return on assets | 13.3122% | 20 |
| Return on Equity (ROE) | 64.7714% | 11 |
| Retained earnings to average equity (ytd only) | 32.1167% | 21 |
| Net charge-offs to loans | 2.4941% | 689 |
| Credit loss provision to net charge-offs | 71.5145% | 4,925 |
| Earnings coverage of net charge-offs (x) | 6.3257% | 2,474 |
| Efficiency ratio | 53.8175% | 6,902 |
| Assets per employee ($millions) | 30.2587% | 44 |
| Cash dividends to net income (ytd only)* | 50.4153% | 1,666 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7479% | 7,157 |
| Loan loss allowance to noncurrent loans | 84.4631% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.8502% | 5,414 |
| Noncurrent loans to loans | 0.8855% | 5,498 |
| Net loans and leases to total assets | 95.2899% | 7 |
| Net loans and leases to deposits | 118.3265% | 149 |
| Net loans and leases to core deposits | 342.4305% | 44 |
| Total domestic deposits to total assets | 80.5313% | 5,552 |
| Equity capital to assets | 12.9568% | 1,592 |
| Core capital (leverage) ratio | 13.7104% | 995 |
| Tier 1 risk-based capital ratio | 13.1641% | 4,313 |
| Total risk-based capital ratio | 13.8945% | 4,706 |
| Memoranda: |
| Average total assets | $896,623,000 | 750 |
| Average earning assets | $862,805,330 | 697 |
| Average equity | $116,369,330 | 568 |
| Average total loans | $852,987,670 | 519 |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.5551% | 4 |
| Cost of funding earning assets | 0.6729% | 7,392 |
| Net interest margin | 24.8822% | 2 |
| Noninterest income to average assets | 8.1460% | 82 |
| Noninterest expense to average assets | 17.7989% | 43 |
| Loan and lease loss provision to assets | 2.5469% | 413 |
| Net operating income to assets | 7.5637% | 23 |
| Return on assets (ROA) | 7.5637% | 24 |
| Pretax return on assets | 11.7171% | 22 |
| Return on Equity (ROE) | 58.2231% | 18 |
| Retained earnings to average equity (ytd only) | 36.7610% | 35 |
| Net charge-offs to loans | 2.8988% | 535 |
| Credit loss provision to net charge-offs | 92.8354% | 3,592 |
| Earnings coverage of net charge-offs (x) | 5.1992% | 2,444 |
| Efficiency ratio | 55.5124% | 6,835 |
| Assets per employee ($millions) | 27.7352% | 53 |
| Cash dividends to net income (ytd only)* | 36.8618% | 1,850 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.1192% | 5,920 |
| Loan loss allowance to noncurrent loans | 211.3174% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 6,222 |
| Noncurrent loans to loans | 0.5296% | 6,230 |
| Net loans and leases to total assets | 95.1624% | 9 |
| Net loans and leases to deposits | 130.0881% | 80 |
| Net loans and leases to core deposits | 336.2751% | 49 |
| Total domestic deposits to total assets | 73.1523% | 7,146 |
| Equity capital to assets | 13.1808% | 1,453 |
| Core capital (leverage) ratio | 14.2660% | 906 |
| Tier 1 risk-based capital ratio | 13.3410% | 4,094 |
| Total risk-based capital ratio | 14.4317% | 4,179 |
| Memoranda: |
| Average total assets | $860,795,000 | 799 |
| Average earning assets | $827,404,000 | 748 |
| Average equity | $111,825,000 | 592 |
| Average total loans | $814,669,000 | 559 |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.6047% | 2 |
| Cost of funding earning assets | 1.3039% | 6,294 |
| Net interest margin | 24.3008% | 2 |
| Noninterest income to average assets | 8.1894% | 84 |
| Noninterest expense to average assets | 18.9232% | 50 |
| Loan and lease loss provision to assets | 1.7969% | 1,260 |
| Net operating income to assets | 6.7201% | 23 |
| Return on assets (ROA) | 6.7189% | 23 |
| Pretax return on assets | 10.3911% | 21 |
| Return on Equity (ROE) | 53.7151% | 13 |
| Retained earnings to average equity (ytd only) | 1.6703% | 3,917 |
| Net charge-offs to loans | 3.0334% | 694 |
| Credit loss provision to net charge-offs | 65.1452% | 6,563 |
| Earnings coverage of net charge-offs (x) | 4.4194% | 2,959 |
| Efficiency ratio | 60.8208% | 6,357 |
| Assets per employee ($millions) | 26.0645% | 58 |
| Cash dividends to net income (ytd only)* | 96.8904% | 700 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.2878% | 4,830 |
| Loan loss allowance to noncurrent loans | 129.7167% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 5,248 |
| Noncurrent loans to loans | 0.9928% | 5,331 |
| Net loans and leases to total assets | 91.7440% | 41 |
| Net loans and leases to deposits | 123.3263% | 137 |
| Net loans and leases to core deposits | 123.3263% | 1,686 |
| Total domestic deposits to total assets | 74.3913% | 6,961 |
| Equity capital to assets | 12.7888% | 1,602 |
| Core capital (leverage) ratio | 12.8495% | 1,298 |
| Tier 1 risk-based capital ratio | 13.3288% | 3,927 |
| Total risk-based capital ratio | 14.5765% | 3,874 |
| Memoranda: |
| Average total assets | $814,140,000 | 840 |
| Average earning assets | $768,000,200 | 808 |
| Average equity | $101,835,400 | 642 |
| Average total loans | $740,294,200 | 621 |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 25.1615% | 2 |
| Cost of funding earning assets | 1.4835% | 5,891 |
| Net interest margin | 23.6780% | 2 |
| Noninterest income to average assets | 8.1798% | 88 |
| Noninterest expense to average assets | 19.0301% | 54 |
| Loan and lease loss provision to assets | 1.6919% | 1,096 |
| Net operating income to assets | 6.2715% | 25 |
| Return on assets (ROA) | 6.2699% | 25 |
| Pretax return on assets | 9.7020% | 25 |
| Return on Equity (ROE) | 50.4170% | 19 |
| Retained earnings to average equity (ytd only) | 6.6925% | 1,637 |
| Net charge-offs to loans | 3.5504% | 418 |
| Credit loss provision to net charge-offs | 52.7078% | 6,275 |
| Earnings coverage of net charge-offs (x) | 3.5503% | 3,486 |
| Efficiency ratio | 62.5445% | 6,010 |
| Assets per employee ($millions) | 25.8561% | 59 |
| Cash dividends to net income (ytd only)* | 86.7257% | 801 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.0507% | 6,003 |
| Loan loss allowance to noncurrent loans | 300.2794% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3355% | 6,644 |
| Noncurrent loans to loans | 0.3499% | 6,656 |
| Net loans and leases to total assets | 94.8864% | 14 |
| Net loans and leases to deposits | 121.7580% | 175 |
| Net loans and leases to core deposits | 121.7580% | 2,094 |
| Total domestic deposits to total assets | 77.9303% | 6,109 |
| Equity capital to assets | 12.8976% | 1,734 |
| Core capital (leverage) ratio | 13.1775% | 1,330 |
| Tier 1 risk-based capital ratio | 13.1148% | 4,112 |
| Total risk-based capital ratio | 14.1400% | 4,204 |
| Memoranda: |
| Average total assets | $809,159,250 | 856 |
| Average earning assets | $760,249,000 | 821 |
| Average equity | $100,627,500 | 661 |
| Average total loans | $731,571,250 | 648 |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.1748% | 2 |
| Cost of funding earning assets | 1.7778% | 4,872 |
| Net interest margin | 22.3970% | 2 |
| Noninterest income to average assets | 7.8921% | 89 |
| Noninterest expense to average assets | 19.3197% | 60 |
| Loan and lease loss provision to assets | 1.2982% | 1,320 |
| Net operating income to assets | 5.2561% | 25 |
| Return on assets (ROA) | 5.2561% | 27 |
| Pretax return on assets | 8.1295% | 24 |
| Return on Equity (ROE) | 42.8344% | 26 |
| Retained earnings to average equity (ytd only) | -8.4545% | 6,717 |
| Net charge-offs to loans | 4.8596% | 256 |
| Credit loss provision to net charge-offs | 30.2038% | 6,027 |
| Earnings coverage of net charge-offs (x) | 2.1934% | 3,973 |
| Efficiency ratio | 67.2049% | 5,313 |
| Assets per employee ($millions) | 25.0979% | 63 |
| Cash dividends to net income (ytd only)* | 119.7375% | 513 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.7261% | 7,365 |
| Loan loss allowance to noncurrent loans | 201.5390% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 6,594 |
| Noncurrent loans to loans | 0.3603% | 6,608 |
| Net loans and leases to total assets | 94.4168% | 22 |
| Net loans and leases to deposits | 121.7898% | 206 |
| Net loans and leases to core deposits | 304.8196% | 39 |
| Total domestic deposits to total assets | 77.5244% | 6,198 |
| Equity capital to assets | 11.8103% | 2,319 |
| Core capital (leverage) ratio | 14.4396% | 1,033 |
| Tier 1 risk-based capital ratio | 12.1381% | 4,811 |
| Total risk-based capital ratio | 12.8478% | 5,221 |
| Memoranda: |
| Average total assets | $794,461,670 | 886 |
| Average earning assets | $739,777,330 | 865 |
| Average equity | $97,487,000 | 688 |
| Average total loans | $702,689,330 | 698 |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 23.9873% | 2 |
| Cost of funding earning assets | 2.3293% | 2,578 |
| Net interest margin | 21.6580% | 2 |
| Noninterest income to average assets | 7.4915% | 89 |
| Noninterest expense to average assets | 19.9982% | 57 |
| Loan and lease loss provision to assets | 1.7014% | 732 |
| Net operating income to assets | 3.6187% | 41 |
| Return on assets (ROA) | 3.6187% | 48 |
| Pretax return on assets | 5.6076% | 34 |
| Return on Equity (ROE) | 28.8856% | 116 |
| Retained earnings to average equity (ytd only) | -75.4549% | 8,103 |
| Net charge-offs to loans | 7.0998% | 117 |
| Credit loss provision to net charge-offs | 28.2809% | 4,974 |
| Earnings coverage of net charge-offs (x) | 1.2149% | 4,145 |
| Efficiency ratio | 73.2342% | 3,967 |
| Assets per employee ($millions) | 20.3047% | 81 |
| Cash dividends to net income (ytd only)* | 361.2195% | 119 |
| Condition Ratios (%) |
| Loss allowance to loans | 1.5142% | 2,896 |
| Loan loss allowance to noncurrent loans | 96.5455% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 1.4775% | 3,718 |
| Noncurrent loans to loans | 1.5684% | 3,928 |
| Net loans and leases to total assets | 92.7791% | 49 |
| Net loans and leases to deposits | 112.0522% | 519 |
| Net loans and leases to core deposits | 292.7310% | 38 |
| Total domestic deposits to total assets | 82.7999% | 4,243 |
| Equity capital to assets | 12.9581% | 1,765 |
| Core capital (leverage) ratio | 11.8477% | 1,973 |
| Tier 1 risk-based capital ratio | 13.3711% | 3,943 |
| Total risk-based capital ratio | 14.6238% | 3,855 |
| Memoranda: |
| Average total assets | $765,027,500 | 916 |
| Average earning assets | $699,954,500 | 913 |
| Average equity | $95,840,000 | 695 |
| Average total loans | $648,244,000 | 762 |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 24.8240% | 4 |
| Cost of funding earning assets | 2.5690% | 3,856 |
| Net interest margin | 22.2550% | 3 |
| Noninterest income to average assets | 4.7103% | 131 |
| Noninterest expense to average assets | 11.5124% | 116 |
| Loan and lease loss provision to assets | 3.4955% | 229 |
| Net operating income to assets | 6.8376% | 27 |
| Return on assets (ROA) | 6.8376% | 28 |
| Pretax return on assets | 10.6072% | 26 |
| Return on Equity (ROE) | 55.8840% | 11 |
| Retained earnings to average equity (ytd only) | -26.5467% | 7,842 |
| Net charge-offs to loans | 2.9954% | 299 |
| Credit loss provision to net charge-offs | 126.4591% | 4,227 |
| Earnings coverage of net charge-offs (x) | 5.1021% | 3,750 |
| Efficiency ratio | 44.9438% | 7,976 |
| Assets per employee ($millions) | 30.7143% | 54 |
| Cash dividends to net income (ytd only)* | 147.5031% | 485 |
| Condition Ratios (%) |
| Loss allowance to loans | 2.6771% | 573 |
| Loan loss allowance to noncurrent loans | 171.6130% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 3,830 |
| Noncurrent loans to loans | 1.5600% | 3,453 |
| Net loans and leases to total assets | 75.2848% | 2,812 |
| Net loans and leases to deposits | 89.5454% | 3,528 |
| Net loans and leases to core deposits | 338.9347% | 38 |
| Total domestic deposits to total assets | 84.0744% | 3,289 |
| Equity capital to assets | 12.1923% | 2,162 |
| Core capital (leverage) ratio | 9.5501% | 3,946 |
| Tier 1 risk-based capital ratio | 15.0468% | 3,020 |
| Total risk-based capital ratio | 16.3129% | 2,936 |
| Memoranda: |
| Average total assets | $1,190,798,000 | 564 |
| Average earning assets | $1,118,548,600 | 547 |
| Average equity | $145,698,200 | 476 |
| Average total loans | $1,098,855,800 | 461 |
