Home > Woori America Bank > Performance and Condition Ratios
Woori America Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9718% | 2,129 |
| Cost of funding earning assets | 2.1807% | 669 |
| Net interest margin | 2.7911% | 3,681 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 1.8400% | 3,933 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.8735% | 2,623 |
| Return on assets (ROA) | 0.8734% | 2,597 |
| Pretax return on assets | 1.2385% | 2,035 |
| Return on Equity (ROE) | 6.3800% | 3,453 |
| Retained earnings to average equity (ytd only) | 6.3760% | 2,100 |
| Net charge-offs to loans | -0.0031% | 3,743 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 59.1342% | 3,173 |
| Assets per employee ($millions) | 12.7006% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 1,740 |
| Loan loss allowance to noncurrent loans | 449.7593% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 2,089 |
| Noncurrent loans to loans | 0.2902% | 2,135 |
| Net loans and leases to total assets | 77.0700% | 966 |
| Net loans and leases to deposits | 91.2894% | 1,158 |
| Net loans and leases to core deposits | 130.3599% | 396 |
| Total domestic deposits to total assets | 84.4200% | 2,496 |
| Equity capital to assets | 13.4431% | 779 |
| Core capital (leverage) ratio | 13.8264% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0910% | 780 |
| Memoranda: | ||
| Average total assets | $3,233,065,600 | 371 |
| Average earning assets | $3,102,470,200 | 351 |
| Average equity | $442,865,600 | 294 |
| Average total loans | $2,527,987,800 | 340 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8631% | 2,140 |
| Cost of funding earning assets | 2.0168% | 688 |
| Net interest margin | 2.8464% | 3,649 |
| Noninterest income to average assets | 0.5300% | 1,815 |
| Noninterest expense to average assets | 1.8379% | 3,906 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9844% | 2,414 |
| Return on assets (ROA) | 0.9819% | 2,411 |
| Pretax return on assets | 1.3969% | 1,785 |
| Return on Equity (ROE) | 7.1300% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.1327% | 2,239 |
| Net charge-offs to loans | -0.0092% | 3,913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.4166% | 3,368 |
| Assets per employee ($millions) | 11.8405% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 1,918 |
| Loan loss allowance to noncurrent loans | 1,481.2718% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,123 |
| Noncurrent loans to loans | 0.0870% | 3,150 |
| Net loans and leases to total assets | 81.5100% | 478 |
| Net loans and leases to deposits | 97.5211% | 641 |
| Net loans and leases to core deposits | 146.0373% | 168 |
| Total domestic deposits to total assets | 83.5900% | 2,879 |
| Equity capital to assets | 14.0670% | 641 |
| Core capital (leverage) ratio | 13.4612% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0739% | 806 |
| Memoranda: | ||
| Average total assets | $3,193,568,500 | 380 |
| Average earning assets | $3,061,544,750 | 361 |
| Average equity | $439,616,500 | 296 |
| Average total loans | $2,497,993,500 | 348 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 2,495 |
| Cost of funding earning assets | 1.7299% | 843 |
| Net interest margin | 2.8339% | 3,772 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.7831% | 4,028 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.9895% | 2,456 |
| Return on assets (ROA) | 0.9892% | 2,443 |
| Pretax return on assets | 1.4074% | 1,795 |
| Return on Equity (ROE) | 7.2400% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.2390% | 2,212 |
| Net charge-offs to loans | -0.0033% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.5725% | 3,474 |
| Assets per employee ($millions) | 12.3301% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 1,872 |
| Loan loss allowance to noncurrent loans | 1,425.5490% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 3,058 |
| Noncurrent loans to loans | 0.0922% | 3,041 |
| Net loans and leases to total assets | 76.7100% | 975 |
| Net loans and leases to deposits | 90.8981% | 1,115 |
| Net loans and leases to core deposits | 126.7649% | 374 |
| Total domestic deposits to total assets | 84.4000% | 2,722 |
| Equity capital to assets | 13.3943% | 732 |
| Core capital (leverage) ratio | 14.3720% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5707% | 754 |
| Memoranda: | ||
| Average total assets | $3,192,446,333 | 368 |
| Average earning assets | $3,058,838,333 | 351 |
| Average equity | $436,251,000 | 291 |
| Average total loans | $2,450,679,000 | 339 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 2,339 |
| Cost of funding earning assets | 1.5488% | 768 |
| Net interest margin | 2.9415% | 3,719 |
| Noninterest income to average assets | 0.8300% | 803 |
| Noninterest expense to average assets | 1.7885% | 4,052 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.3430% | 1,560 |
| Return on assets (ROA) | 1.3428% | 1,533 |
| Pretax return on assets | 1.9104% | 897 |
| Return on Equity (ROE) | 9.7200% | 2,869 |
| Retained earnings to average equity (ytd only) | 9.7249% | 1,759 |
| Net charge-offs to loans | -0.0115% | 3,899 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 49.0985% | 4,015 |
| Assets per employee ($millions) | 12.0919% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3952% | 1,639 |
| Loan loss allowance to noncurrent loans | 1,342.4440% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,024 |
| Noncurrent loans to loans | 0.1039% | 3,019 |
| Net loans and leases to total assets | 73.5200% | 1,262 |
| Net loans and leases to deposits | 87.4600% | 1,256 |
| Net loans and leases to core deposits | 118.1222% | 489 |
| Total domestic deposits to total assets | 84.0600% | 3,082 |
| Equity capital to assets | 13.8198% | 618 |
| Core capital (leverage) ratio | 14.3613% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1474% | 731 |
| Memoranda: | ||
| Average total assets | $3,136,442,000 | 387 |
| Average earning assets | $3,000,955,500 | 368 |
| Average equity | $433,072,000 | 299 |
| Average total loans | $2,391,656,000 | 356 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 2,847 |
| Cost of funding earning assets | 0.5491% | 1,113 |
| Net interest margin | 3.0342% | 3,343 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.8216% | 3,986 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.8935% | 2,988 |
| Return on assets (ROA) | 0.8884% | 2,954 |
| Pretax return on assets | 1.2640% | 2,224 |
| Return on Equity (ROE) | 6.5700% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.5666% | 2,422 |
| Net charge-offs to loans | -0.0178% | 4,024 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.7736% | 3,493 |
| Assets per employee ($millions) | 12.0809% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,031 |
| Loan loss allowance to noncurrent loans | 1,214.7140% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.0816% | 2,983 |
| Noncurrent loans to loans | 0.1047% | 3,024 |
| Net loans and leases to total assets | 76.9900% | 894 |
| Net loans and leases to deposits | 91.4887% | 950 |
| Net loans and leases to core deposits | 127.7033% | 256 |
| Total domestic deposits to total assets | 84.1500% | 3,170 |
| Equity capital to assets | 13.7955% | 594 |
| Core capital (leverage) ratio | 13.9826% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1544% | 809 |
| Memoranda: | ||
| Average total assets | $3,082,053,800 | 385 |
| Average earning assets | $2,978,504,400 | 365 |
| Average equity | $416,974,400 | 295 |
| Average total loans | $2,335,643,000 | 331 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3435% | 3,069 |
| Cost of funding earning assets | 0.3271% | 1,887 |
| Net interest margin | 3.0164% | 3,179 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 1.8097% | 3,971 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.8398% | 3,097 |
| Return on assets (ROA) | 0.8322% | 3,093 |
| Pretax return on assets | 1.2229% | 2,279 |
| Return on Equity (ROE) | 6.1800% | 3,766 |
| Retained earnings to average equity (ytd only) | 6.1817% | 2,687 |
| Net charge-offs to loans | -0.0122% | 3,784 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 56.7406% | 3,544 |
| Assets per employee ($millions) | 12.3346% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,362 |
| Loan loss allowance to noncurrent loans | 1,064.8914% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 3,021 |
| Noncurrent loans to loans | 0.1156% | 3,064 |
| Net loans and leases to total assets | 78.4200% | 672 |
| Net loans and leases to deposits | 93.0906% | 693 |
| Net loans and leases to core deposits | 118.6619% | 286 |
| Total domestic deposits to total assets | 84.2400% | 3,446 |
| Equity capital to assets | 13.5154% | 614 |
| Core capital (leverage) ratio | 13.7682% | 724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1288% | 842 |
| Memoranda: | ||
| Average total assets | $3,076,367,750 | 388 |
| Average earning assets | $2,980,297,500 | 365 |
| Average equity | $414,137,750 | 296 |
| Average total loans | $2,314,251,250 | 331 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1609% | 3,164 |
| Cost of funding earning assets | 0.1877% | 3,078 |
| Net interest margin | 2.9732% | 2,965 |
| Noninterest income to average assets | 0.2118% | 3,932 |
| Noninterest expense to average assets | 1.7720% | 4,016 |
| Loan and lease loss provision to assets | 0.1063% | 938 |
| Net operating income to assets | 0.8291% | 2,856 |
| Return on assets (ROA) | 0.8208% | 2,856 |
| Pretax return on assets | 1.2062% | 2,056 |
| Return on Equity (ROE) | 6.1055% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.1055% | 2,300 |
| Net charge-offs to loans | -0.0182% | 3,827 |
| Credit loss provision to net charge-offs | -791.2621% | 3,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2531% | 3,647 |
| Assets per employee ($millions) | 12.1238% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2194% | 2,592 |
| Loan loss allowance to noncurrent loans | 979.1652% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 3,042 |
| Noncurrent loans to loans | 0.1245% | 3,098 |
| Net loans and leases to total assets | 76.1885% | 712 |
| Net loans and leases to deposits | 88.9843% | 775 |
| Net loans and leases to core deposits | 103.3216% | 536 |
| Total domestic deposits to total assets | 85.6202% | 3,345 |
| Equity capital to assets | 13.6010% | 570 |
| Core capital (leverage) ratio | 13.5119% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6212% | 765 |
| Memoranda: | ||
| Average total assets | $3,065,721,333 | 382 |
| Average earning assets | $2,972,888,333 | 360 |
| Average equity | $412,150,667 | 297 |
| Average total loans | $2,263,023,333 | 329 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9708% | 3,339 |
| Cost of funding earning assets | 0.1577% | 3,405 |
| Net interest margin | 2.8131% | 3,094 |
| Noninterest income to average assets | 0.1599% | 4,196 |
| Noninterest expense to average assets | 1.7109% | 4,119 |
| Loan and lease loss provision to assets | 0.0264% | 1,888 |
| Net operating income to assets | 0.7856% | 2,709 |
| Return on assets (ROA) | 0.7737% | 2,746 |
| Pretax return on assets | 1.1369% | 2,030 |
| Return on Equity (ROE) | 5.7887% | 3,405 |
| Retained earnings to average equity (ytd only) | 5.7887% | 2,322 |
| Net charge-offs to loans | -0.0200% | 3,913 |
| Credit loss provision to net charge-offs | -182.8829% | 2,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2144% | 3,560 |
| Assets per employee ($millions) | 12.6876% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 2,944 |
| Loan loss allowance to noncurrent loans | 1,496.4108% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0569% | 3,479 |
| Noncurrent loans to loans | 0.0791% | 3,447 |
| Net loans and leases to total assets | 71.0280% | 920 |
| Net loans and leases to deposits | 84.9771% | 807 |
| Net loans and leases to core deposits | 94.8213% | 695 |
| Total domestic deposits to total assets | 83.5848% | 3,849 |
| Equity capital to assets | 12.9508% | 697 |
| Core capital (leverage) ratio | 13.7549% | 623 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,077,042,000 | 383 |
| Average earning assets | $2,985,432,000 | 363 |
| Average equity | $411,282,000 | 311 |
| Average total loans | $2,220,985,500 | 336 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3087% | 3,180 |
| Cost of funding earning assets | 0.1905% | 3,555 |
| Net interest margin | 3.1182% | 2,847 |
| Noninterest income to average assets | 0.2282% | 4,012 |
| Noninterest expense to average assets | 2.0819% | 3,435 |
| Loan and lease loss provision to assets | 0.0881% | 1,404 |
| Net operating income to assets | 0.7197% | 3,570 |
| Return on assets (ROA) | 0.7180% | 3,636 |
| Pretax return on assets | 1.0551% | 3,118 |
| Return on Equity (ROE) | 5.7760% | 3,824 |
| Retained earnings to average equity (ytd only) | 5.7760% | 2,450 |
| Net charge-offs to loans | 0.0021% | 2,567 |
| Credit loss provision to net charge-offs | 5,553.6585% | 133 |
| Earnings coverage of net charge-offs (x) | 722.2683% | 203 |
| Efficiency ratio | 64.5111% | 2,478 |
| Assets per employee ($millions) | 11.8780% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,650 |
| Loan loss allowance to noncurrent loans | 2,657.3413% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 3,789 |
| Noncurrent loans to loans | 0.0468% | 3,747 |
| Net loans and leases to total assets | 71.5992% | 874 |
| Net loans and leases to deposits | 86.7547% | 732 |
| Net loans and leases to core deposits | 93.6138% | 798 |
| Total domestic deposits to total assets | 82.5307% | 3,890 |
| Equity capital to assets | 13.8116% | 703 |
| Core capital (leverage) ratio | 14.5105% | 532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,585,633,000 | 425 |
| Average earning assets | $2,486,725,600 | 408 |
| Average equity | $321,433,200 | 376 |
| Average total loans | $1,994,402,200 | 366 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3427% | 3,272 |
| Cost of funding earning assets | 0.2018% | 3,585 |
| Net interest margin | 3.1408% | 2,935 |
| Noninterest income to average assets | 0.2248% | 4,057 |
| Noninterest expense to average assets | 2.1069% | 3,338 |
| Loan and lease loss provision to assets | 0.0691% | 1,626 |
| Net operating income to assets | 0.7627% | 3,618 |
| Return on assets (ROA) | 0.7612% | 3,685 |
| Pretax return on assets | 1.0596% | 3,302 |
| Return on Equity (ROE) | 6.3328% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.3328% | 2,681 |
| Net charge-offs to loans | 0.0055% | 2,122 |
| Credit loss provision to net charge-offs | 1,592.5926% | 382 |
| Earnings coverage of net charge-offs (x) | 260.6420% | 470 |
| Efficiency ratio | 65.0776% | 2,236 |
| Assets per employee ($millions) | 10.8282% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 2,708 |
| Loan loss allowance to noncurrent loans | 259.9193% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 1,979 |
| Noncurrent loans to loans | 0.4828% | 2,104 |
| Net loans and leases to total assets | 74.8662% | 623 |
| Net loans and leases to deposits | 88.4167% | 693 |
| Net loans and leases to core deposits | 96.1670% | 741 |
| Total domestic deposits to total assets | 84.6743% | 3,236 |
| Equity capital to assets | 11.3393% | 1,777 |
| Core capital (leverage) ratio | 11.4396% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,489,664,750 | 440 |
| Average earning assets | $2,388,130,750 | 424 |
| Average equity | $299,257,750 | 403 |
| Average total loans | $1,954,770,250 | 373 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2432% | 3,581 |
| Cost of funding earning assets | 0.2165% | 3,584 |
| Net interest margin | 3.0267% | 3,255 |
| Noninterest income to average assets | 0.2480% | 3,916 |
| Noninterest expense to average assets | 2.1482% | 3,249 |
| Loan and lease loss provision to assets | 0.0428% | 2,154 |
| Net operating income to assets | 0.6858% | 3,794 |
| Return on assets (ROA) | 0.6838% | 3,865 |
| Pretax return on assets | 0.9519% | 3,541 |
| Return on Equity (ROE) | 5.5715% | 4,008 |
| Retained earnings to average equity (ytd only) | 5.5715% | 2,968 |
| Net charge-offs to loans | -0.0007% | 3,060 |
| Credit loss provision to net charge-offs | -7,385.7143% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2967% | 1,843 |
| Assets per employee ($millions) | 10.1039% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 2,699 |
| Loan loss allowance to noncurrent loans | 237.1831% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4202% | 1,931 |
| Noncurrent loans to loans | 0.5252% | 2,103 |
| Net loans and leases to total assets | 79.0085% | 377 |
| Net loans and leases to deposits | 94.3090% | 444 |
| Net loans and leases to core deposits | 103.5692% | 545 |
| Total domestic deposits to total assets | 83.7763% | 3,500 |
| Equity capital to assets | 11.9664% | 1,378 |
| Core capital (leverage) ratio | 11.7651% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,417,202,000 | 447 |
| Average earning assets | $2,313,951,000 | 429 |
| Average equity | $296,690,333 | 403 |
| Average total loans | $1,922,218,333 | 376 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1625% | 3,752 |
| Cost of funding earning assets | 0.2357% | 3,603 |
| Net interest margin | 2.9268% | 3,443 |
| Noninterest income to average assets | 0.2779% | 3,740 |
| Noninterest expense to average assets | 2.1197% | 3,361 |
| Loan and lease loss provision to assets | 0.0321% | 2,348 |
| Net operating income to assets | 0.6702% | 3,780 |
| Return on assets (ROA) | 0.6661% | 3,860 |
| Pretax return on assets | 0.9271% | 3,544 |
| Return on Equity (ROE) | 5.3554% | 4,017 |
| Retained earnings to average equity (ytd only) | 5.3554% | 3,110 |
| Net charge-offs to loans | -0.0009% | 3,039 |
| Credit loss provision to net charge-offs | -4,750.0000% | 3,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7298% | 1,841 |
| Assets per employee ($millions) | 10.0991% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,566 |
| Loan loss allowance to noncurrent loans | 161.0938% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 1,531 |
| Noncurrent loans to loans | 0.7901% | 1,670 |
| Net loans and leases to total assets | 77.5663% | 493 |
| Net loans and leases to deposits | 91.8095% | 606 |
| Net loans and leases to core deposits | 102.7038% | 613 |
| Total domestic deposits to total assets | 84.4862% | 3,284 |
| Equity capital to assets | 11.9794% | 1,294 |
| Core capital (leverage) ratio | 12.3845% | 1,035 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,367,871,000 | 446 |
| Average earning assets | $2,270,325,500 | 430 |
| Average equity | $294,506,500 | 397 |
| Average total loans | $1,876,916,500 | 381 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7067% | 3,558 |
| Cost of funding earning assets | 0.5745% | 2,485 |
| Net interest margin | 3.1322% | 3,541 |
| Noninterest income to average assets | 0.3558% | 3,340 |
| Noninterest expense to average assets | 2.4167% | 3,096 |
| Loan and lease loss provision to assets | 0.4657% | 586 |
| Net operating income to assets | 0.3321% | 4,389 |
| Return on assets (ROA) | 0.3590% | 4,401 |
| Pretax return on assets | 0.4997% | 4,272 |
| Return on Equity (ROE) | 2.6418% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.6418% | 3,531 |
| Net charge-offs to loans | 0.0057% | 3,142 |
| Credit loss provision to net charge-offs | 9,876.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 197.5200% | 470 |
| Efficiency ratio | 72.1818% | 1,657 |
| Assets per employee ($millions) | 9.1929% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3564% | 2,164 |
| Loan loss allowance to noncurrent loans | 209.3817% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 2,000 |
| Noncurrent loans to loans | 0.6478% | 2,059 |
| Net loans and leases to total assets | 78.9459% | 506 |
| Net loans and leases to deposits | 91.9538% | 779 |
| Net loans and leases to core deposits | 103.8593% | 731 |
| Total domestic deposits to total assets | 85.8539% | 2,427 |
| Equity capital to assets | 12.9389% | 1,116 |
| Core capital (leverage) ratio | 12.9260% | 916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,120,721,600 | 453 |
| Average earning assets | $2,025,983,000 | 440 |
| Average equity | $288,178,000 | 382 |
| Average total loans | $1,739,992,200 | 389 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8080% | 3,544 |
| Cost of funding earning assets | 0.6623% | 2,250 |
| Net interest margin | 3.1457% | 3,629 |
| Noninterest income to average assets | 0.4001% | 3,078 |
| Noninterest expense to average assets | 2.4404% | 3,024 |
| Loan and lease loss provision to assets | 0.5054% | 575 |
| Net operating income to assets | 0.3274% | 4,393 |
| Return on assets (ROA) | 0.3643% | 4,395 |
| Pretax return on assets | 0.5070% | 4,266 |
| Return on Equity (ROE) | 2.6469% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.6469% | 3,667 |
| Net charge-offs to loans | 0.0084% | 2,809 |
| Credit loss provision to net charge-offs | 7,253.2110% | 161 |
| Earnings coverage of net charge-offs (x) | 138.5688% | 641 |
| Efficiency ratio | 71.6501% | 1,681 |
| Assets per employee ($millions) | 8.4707% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 2,106 |
| Loan loss allowance to noncurrent loans | 181.0379% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5840% | 1,976 |
| Noncurrent loans to loans | 0.7254% | 1,989 |
| Net loans and leases to total assets | 79.4545% | 662 |
| Net loans and leases to deposits | 93.4365% | 968 |
| Net loans and leases to core deposits | 105.9693% | 848 |
| Total domestic deposits to total assets | 85.0358% | 2,419 |
| Equity capital to assets | 13.6238% | 966 |
| Core capital (leverage) ratio | 13.6345% | 802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,085,538,000 | 451 |
| Average earning assets | $1,992,824,750 | 438 |
| Average equity | $287,070,500 | 375 |
| Average total loans | $1,722,521,000 | 386 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,443 |
| Cost of funding earning assets | 0.7998% | 1,829 |
| Net interest margin | 3.1576% | 3,772 |
| Noninterest income to average assets | 0.4252% | 2,939 |
| Noninterest expense to average assets | 2.4624% | 3,068 |
| Loan and lease loss provision to assets | 0.7056% | 391 |
| Net operating income to assets | 0.1945% | 4,581 |
| Return on assets (ROA) | 0.2501% | 4,548 |
| Pretax return on assets | 0.3475% | 4,476 |
| Return on Equity (ROE) | 1.8102% | 4,562 |
| Retained earnings to average equity (ytd only) | 1.8102% | 3,826 |
| Net charge-offs to loans | 0.0128% | 2,511 |
| Credit loss provision to net charge-offs | 6,636.3636% | 178 |
| Earnings coverage of net charge-offs (x) | 92.4273% | 728 |
| Efficiency ratio | 71.4755% | 1,763 |
| Assets per employee ($millions) | 8.4332% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,191 |
| Loan loss allowance to noncurrent loans | 200.5845% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5215% | 2,268 |
| Noncurrent loans to loans | 0.6290% | 2,288 |
| Net loans and leases to total assets | 81.8601% | 427 |
| Net loans and leases to deposits | 96.2688% | 773 |
| Net loans and leases to core deposits | 110.2513% | 730 |
| Total domestic deposits to total assets | 85.0329% | 2,384 |
| Equity capital to assets | 13.6964% | 928 |
| Core capital (leverage) ratio | 13.5933% | 850 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4283% | 991 |
| Memoranda: | ||
| Average total assets | $2,069,182,667 | 454 |
| Average earning assets | $1,978,991,667 | 435 |
| Average equity | $285,822,333 | 374 |
| Average total loans | $1,723,825,333 | 384 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1837% | 3,272 |
| Cost of funding earning assets | 1.0032% | 1,403 |
| Net interest margin | 3.1805% | 3,907 |
| Noninterest income to average assets | 0.3032% | 3,697 |
| Noninterest expense to average assets | 2.4892% | 3,300 |
| Loan and lease loss provision to assets | 0.7790% | 317 |
| Net operating income to assets | 0.0554% | 4,706 |
| Return on assets (ROA) | 0.0551% | 4,700 |
| Pretax return on assets | 0.0767% | 4,679 |
| Return on Equity (ROE) | 0.3973% | 4,702 |
| Retained earnings to average equity (ytd only) | 0.3973% | 3,903 |
| Net charge-offs to loans | 0.0005% | 2,577 |
| Credit loss provision to net charge-offs | 200,000.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 2,198.0000% | 11 |
| Efficiency ratio | 74.4076% | 1,764 |
| Assets per employee ($millions) | 8.2304% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 3,397 |
| Loan loss allowance to noncurrent loans | 3,589.2925% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 4,498 |
| Noncurrent loans to loans | 0.0296% | 4,444 |
| Net loans and leases to total assets | 84.3444% | 244 |
| Net loans and leases to deposits | 99.9432% | 562 |
| Net loans and leases to core deposits | 121.7018% | 417 |
| Total domestic deposits to total assets | 84.3924% | 2,636 |
| Equity capital to assets | 13.7418% | 1,144 |
| Core capital (leverage) ratio | 13.1970% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3316% | 1,270 |
| Memoranda: | ||
| Average total assets | $2,053,840,500 | 438 |
| Average earning assets | $1,964,462,500 | 419 |
| Average equity | $284,930,000 | 375 |
| Average total loans | $1,715,279,000 | 378 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 3,088 |
| Cost of funding earning assets | 1.0420% | 1,547 |
| Net interest margin | 3.4184% | 3,688 |
| Noninterest income to average assets | 0.3559% | 3,571 |
| Noninterest expense to average assets | 2.4355% | 3,604 |
| Loan and lease loss provision to assets | -0.0336% | 4,982 |
| Net operating income to assets | 0.8663% | 3,335 |
| Return on assets (ROA) | 0.8718% | 3,403 |
| Pretax return on assets | 1.2319% | 2,728 |
| Return on Equity (ROE) | 6.3392% | 3,804 |
| Retained earnings to average equity (ytd only) | 6.3392% | 1,699 |
| Net charge-offs to loans | 0.0331% | 2,725 |
| Credit loss provision to net charge-offs | -124.5841% | 4,242 |
| Earnings coverage of net charge-offs (x) | 44.2237% | 1,224 |
| Efficiency ratio | 67.1527% | 2,596 |
| Assets per employee ($millions) | 8.0699% | 691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8887% | 4,011 |
| Loan loss allowance to noncurrent loans | 2,766.6667% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 4,520 |
| Noncurrent loans to loans | 0.0321% | 4,437 |
| Net loans and leases to total assets | 81.0209% | 665 |
| Net loans and leases to deposits | 95.8229% | 961 |
| Net loans and leases to core deposits | 118.0173% | 539 |
| Total domestic deposits to total assets | 84.5528% | 2,663 |
| Equity capital to assets | 14.0069% | 1,095 |
| Core capital (leverage) ratio | 13.6540% | 1,008 |
| Tier 1 risk-based capital ratio | 17.2100% | 1,992 |
| Total risk-based capital ratio | 18.1224% | 2,038 |
| Memoranda: | ||
| Average total assets | $2,008,300,600 | 426 |
| Average earning assets | $1,921,641,000 | 406 |
| Average equity | $276,200,000 | 370 |
| Average total loans | $1,636,392,600 | 382 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 3,138 |
| Cost of funding earning assets | 1.0272% | 1,645 |
| Net interest margin | 3.4480% | 3,738 |
| Noninterest income to average assets | 0.3558% | 3,596 |
| Noninterest expense to average assets | 2.4020% | 3,677 |
| Loan and lease loss provision to assets | -0.0560% | 5,129 |
| Net operating income to assets | 0.9597% | 3,125 |
| Return on assets (ROA) | 0.9672% | 3,173 |
| Pretax return on assets | 1.3187% | 2,604 |
| Return on Equity (ROE) | 7.0655% | 3,652 |
| Retained earnings to average equity (ytd only) | 7.0655% | 1,833 |
| Net charge-offs to loans | 0.0429% | 2,239 |
| Credit loss provision to net charge-offs | -160.4962% | 4,136 |
| Earnings coverage of net charge-offs (x) | 35.9141% | 1,456 |
| Efficiency ratio | 65.7126% | 2,766 |
| Assets per employee ($millions) | 8.4494% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 4,194 |
| Loan loss allowance to noncurrent loans | 1,624.8889% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 4,496 |
| Noncurrent loans to loans | 0.0530% | 4,405 |
| Net loans and leases to total assets | 81.9550% | 572 |
| Net loans and leases to deposits | 96.6263% | 940 |
| Net loans and leases to core deposits | 122.7687% | 445 |
| Total domestic deposits to total assets | 84.8165% | 2,492 |
| Equity capital to assets | 13.7255% | 1,262 |
| Core capital (leverage) ratio | 13.8609% | 1,022 |
| Tier 1 risk-based capital ratio | 16.5296% | 2,256 |
| Total risk-based capital ratio | 17.4066% | 2,309 |
| Memoranda: | ||
| Average total assets | $2,001,971,000 | 428 |
| Average earning assets | $1,915,787,250 | 411 |
| Average equity | $274,038,500 | 374 |
| Average total loans | $1,629,883,250 | 387 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4977% | 3,024 |
| Cost of funding earning assets | 1.0093% | 1,652 |
| Net interest margin | 3.4885% | 3,633 |
| Noninterest income to average assets | 0.3602% | 3,520 |
| Noninterest expense to average assets | 2.4194% | 3,688 |
| Loan and lease loss provision to assets | -0.0863% | 5,202 |
| Net operating income to assets | 0.9997% | 2,922 |
| Return on assets (ROA) | 1.0109% | 2,952 |
| Pretax return on assets | 1.3785% | 2,267 |
| Return on Equity (ROE) | 7.3922% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.3922% | 1,654 |
| Net charge-offs to loans | -0.0469% | 4,814 |
| Credit loss provision to net charge-offs | 227.0557% | 1,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4340% | 2,898 |
| Assets per employee ($millions) | 8.0018% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 3,915 |
| Loan loss allowance to noncurrent loans | 1,005.1199% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,382 |
| Noncurrent loans to loans | 0.0935% | 4,263 |
| Net loans and leases to total assets | 80.7168% | 770 |
| Net loans and leases to deposits | 95.1687% | 1,133 |
| Net loans and leases to core deposits | 119.5005% | 565 |
| Total domestic deposits to total assets | 84.8145% | 2,559 |
| Equity capital to assets | 13.6936% | 1,244 |
| Core capital (leverage) ratio | 13.7626% | 1,036 |
| Tier 1 risk-based capital ratio | 16.4834% | 2,242 |
| Total risk-based capital ratio | 17.4237% | 2,288 |
| Memoranda: | ||
| Average total assets | $1,984,894,670 | 431 |
| Average earning assets | $1,898,826,330 | 414 |
| Average equity | $271,447,330 | 377 |
| Average total loans | $1,607,402,670 | 390 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5521% | 2,689 |
| Cost of funding earning assets | 0.9943% | 1,587 |
| Net interest margin | 3.5578% | 3,405 |
| Noninterest income to average assets | 0.3023% | 3,859 |
| Noninterest expense to average assets | 2.4318% | 3,675 |
| Loan and lease loss provision to assets | 0.0405% | 2,817 |
| Net operating income to assets | 0.8865% | 3,285 |
| Return on assets (ROA) | 0.8865% | 3,338 |
| Pretax return on assets | 1.2305% | 2,698 |
| Return on Equity (ROE) | 6.4864% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.4864% | 2,249 |
| Net charge-offs to loans | -0.0416% | 4,776 |
| Credit loss provision to net charge-offs | -120.6061% | 3,570 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6753% | 2,979 |
| Assets per employee ($millions) | 7.9695% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 3,561 |
| Loan loss allowance to noncurrent loans | 922.7991% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 4,368 |
| Noncurrent loans to loans | 0.1110% | 4,235 |
| Net loans and leases to total assets | 79.6492% | 882 |
| Net loans and leases to deposits | 95.7068% | 1,000 |
| Net loans and leases to core deposits | 124.0988% | 423 |
| Total domestic deposits to total assets | 83.2220% | 3,306 |
| Equity capital to assets | 13.6526% | 1,155 |
| Core capital (leverage) ratio | 13.3736% | 1,128 |
| Tier 1 risk-based capital ratio | 16.9253% | 2,127 |
| Total risk-based capital ratio | 17.9614% | 2,150 |
| Memoranda: | ||
| Average total assets | $1,965,119,500 | 433 |
| Average earning assets | $1,878,241,000 | 417 |
| Average equity | $268,561,500 | 379 |
| Average total loans | $1,586,315,500 | 397 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1855% | 3,475 |
| Cost of funding earning assets | 0.6469% | 2,416 |
| Net interest margin | 3.5386% | 3,580 |
| Noninterest income to average assets | 0.3793% | 3,560 |
| Noninterest expense to average assets | 2.3906% | 3,906 |
| Loan and lease loss provision to assets | 0.0790% | 2,547 |
| Net operating income to assets | 0.9008% | 3,434 |
| Return on assets (ROA) | 0.9008% | 3,430 |
| Pretax return on assets | 1.2836% | 2,564 |
| Return on Equity (ROE) | 6.5653% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.5653% | 1,888 |
| Net charge-offs to loans | -0.0096% | 4,479 |
| Credit loss provision to net charge-offs | -1,048.5915% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6960% | 3,222 |
| Assets per employee ($millions) | 7.9099% | 681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,591 |
| Loan loss allowance to noncurrent loans | 337.5845% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 3,625 |
| Noncurrent loans to loans | 0.3006% | 3,478 |
| Net loans and leases to total assets | 80.1573% | 914 |
| Net loans and leases to deposits | 96.4234% | 1,032 |
| Net loans and leases to core deposits | 128.6235% | 347 |
| Total domestic deposits to total assets | 83.1306% | 3,283 |
| Equity capital to assets | 13.6805% | 1,075 |
| Core capital (leverage) ratio | 13.9051% | 948 |
| Tier 1 risk-based capital ratio | 17.2160% | 1,989 |
| Total risk-based capital ratio | 18.2609% | 2,010 |
| Memoranda: | ||
| Average total assets | $1,885,292,400 | 437 |
| Average earning assets | $1,797,520,200 | 415 |
| Average equity | $258,678,600 | 377 |
| Average total loans | $1,475,422,200 | 407 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 3,582 |
| Cost of funding earning assets | 0.5866% | 2,573 |
| Net interest margin | 3.5279% | 3,605 |
| Noninterest income to average assets | 0.4126% | 3,410 |
| Noninterest expense to average assets | 2.3036% | 4,091 |
| Loan and lease loss provision to assets | 0.0181% | 3,651 |
| Net operating income to assets | 1.0436% | 2,896 |
| Return on assets (ROA) | 1.0436% | 2,910 |
| Pretax return on assets | 1.4552% | 2,043 |
| Return on Equity (ROE) | 7.6001% | 3,709 |
| Retained earnings to average equity (ytd only) | 7.6001% | 1,848 |
| Net charge-offs to loans | -0.0156% | 4,543 |
| Credit loss provision to net charge-offs | -149.4118% | 4,279 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9914% | 3,661 |
| Assets per employee ($millions) | 8.0115% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,826 |
| Loan loss allowance to noncurrent loans | 425.5037% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 4,077 |
| Noncurrent loans to loans | 0.2329% | 3,872 |
| Net loans and leases to total assets | 74.3311% | 1,929 |
| Net loans and leases to deposits | 88.7451% | 2,059 |
| Net loans and leases to core deposits | 106.3916% | 1,282 |
| Total domestic deposits to total assets | 83.7580% | 3,025 |
| Equity capital to assets | 13.2795% | 1,220 |
| Core capital (leverage) ratio | 13.7413% | 1,015 |
| Tier 1 risk-based capital ratio | 17.5460% | 1,909 |
| Total risk-based capital ratio | 18.5397% | 1,947 |
| Memoranda: | ||
| Average total assets | $1,870,156,000 | 436 |
| Average earning assets | $1,783,473,250 | 417 |
| Average equity | $256,798,000 | 376 |
| Average total loans | $1,450,347,750 | 409 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,650 |
| Cost of funding earning assets | 0.5449% | 2,653 |
| Net interest margin | 3.4950% | 3,648 |
| Noninterest income to average assets | 0.4595% | 3,095 |
| Noninterest expense to average assets | 2.2892% | 4,165 |
| Loan and lease loss provision to assets | 0.0140% | 3,596 |
| Net operating income to assets | 1.0645% | 2,730 |
| Return on assets (ROA) | 1.0645% | 2,737 |
| Pretax return on assets | 1.4895% | 1,853 |
| Return on Equity (ROE) | 7.6613% | 3,643 |
| Retained earnings to average equity (ytd only) | 7.6613% | 1,770 |
| Net charge-offs to loans | -0.0124% | 4,385 |
| Credit loss provision to net charge-offs | -143.8202% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3594% | 3,890 |
| Assets per employee ($millions) | 8.1566% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 3,785 |
| Loan loss allowance to noncurrent loans | 276.5655% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,620 |
| Noncurrent loans to loans | 0.3645% | 3,389 |
| Net loans and leases to total assets | 77.6506% | 1,371 |
| Net loans and leases to deposits | 91.4354% | 1,657 |
| Net loans and leases to core deposits | 110.9153% | 943 |
| Total domestic deposits to total assets | 84.9240% | 2,702 |
| Equity capital to assets | 14.0490% | 921 |
| Core capital (leverage) ratio | 14.0899% | 886 |
| Tier 1 risk-based capital ratio | 17.6435% | 1,904 |
| Total risk-based capital ratio | 18.6485% | 1,921 |
| Memoranda: | ||
| Average total assets | $1,831,259,330 | 446 |
| Average earning assets | $1,746,487,330 | 425 |
| Average equity | $254,449,330 | 378 |
| Average total loans | $1,436,588,330 | 411 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9381% | 3,820 |
| Cost of funding earning assets | 0.5002% | 2,793 |
| Net interest margin | 3.4379% | 3,744 |
| Noninterest income to average assets | 0.5577% | 2,485 |
| Noninterest expense to average assets | 2.1324% | 4,574 |
| Loan and lease loss provision to assets | 0.0219% | 3,244 |
| Net operating income to assets | 1.1944% | 2,029 |
| Return on assets (ROA) | 1.1944% | 2,044 |
| Pretax return on assets | 1.6844% | 1,155 |
| Return on Equity (ROE) | 8.6444% | 3,091 |
| Retained earnings to average equity (ytd only) | 8.6444% | 1,604 |
| Net charge-offs to loans | -0.0232% | 4,630 |
| Credit loss provision to net charge-offs | -120.4819% | 3,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5492% | 4,640 |
| Assets per employee ($millions) | 8.3725% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,881 |
| Loan loss allowance to noncurrent loans | 252.8870% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 3,578 |
| Noncurrent loans to loans | 0.4000% | 3,347 |
| Net loans and leases to total assets | 77.5972% | 1,297 |
| Net loans and leases to deposits | 91.3267% | 1,520 |
| Net loans and leases to core deposits | 111.3600% | 924 |
| Total domestic deposits to total assets | 84.9665% | 2,941 |
| Equity capital to assets | 13.9014% | 917 |
| Core capital (leverage) ratio | 14.1837% | 836 |
| Tier 1 risk-based capital ratio | 17.5889% | 1,947 |
| Total risk-based capital ratio | 18.6011% | 1,965 |
| Memoranda: | ||
| Average total assets | $1,825,190,500 | 447 |
| Average earning assets | $1,741,852,000 | 430 |
| Average equity | $252,185,000 | 385 |
| Average total loans | $1,431,890,500 | 413 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 3,923 |
| Cost of funding earning assets | 0.4511% | 2,765 |
| Net interest margin | 3.3855% | 3,898 |
| Noninterest income to average assets | 0.4521% | 3,297 |
| Noninterest expense to average assets | 2.4169% | 4,030 |
| Loan and lease loss provision to assets | 0.1503% | 1,502 |
| Net operating income to assets | 0.5613% | 4,185 |
| Return on assets (ROA) | 0.5632% | 4,207 |
| Pretax return on assets | 1.1153% | 3,121 |
| Return on Equity (ROE) | 4.8191% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.8191% | 2,242 |
| Net charge-offs to loans | 0.2215% | 1,169 |
| Credit loss provision to net charge-offs | 84.1902% | 2,882 |
| Earnings coverage of net charge-offs (x) | 7.0736% | 3,094 |
| Efficiency ratio | 65.6856% | 3,317 |
| Assets per employee ($millions) | 8.1471% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0066% | 3,899 |
| Loan loss allowance to noncurrent loans | 243.8519% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 3,568 |
| Noncurrent loans to loans | 0.4128% | 3,291 |
| Net loans and leases to total assets | 77.7232% | 1,317 |
| Net loans and leases to deposits | 91.4626% | 1,593 |
| Net loans and leases to core deposits | 110.1442% | 990 |
| Total domestic deposits to total assets | 84.9782% | 2,843 |
| Equity capital to assets | 13.7316% | 978 |
| Core capital (leverage) ratio | 13.9914% | 836 |
| Tier 1 risk-based capital ratio | 17.9249% | 1,822 |
| Total risk-based capital ratio | 18.9697% | 1,829 |
| Memoranda: | ||
| Average total assets | $1,743,443,200 | 457 |
| Average earning assets | $1,662,058,000 | 437 |
| Average equity | $203,750,800 | 434 |
| Average total loans | $1,404,743,000 | 408 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8224% | 3,932 |
| Cost of funding earning assets | 0.4383% | 2,826 |
| Net interest margin | 3.3840% | 3,908 |
| Noninterest income to average assets | 0.4816% | 3,142 |
| Noninterest expense to average assets | 2.3274% | 4,224 |
| Loan and lease loss provision to assets | 0.1175% | 1,846 |
| Net operating income to assets | 0.7922% | 3,550 |
| Return on assets (ROA) | 0.7944% | 3,592 |
| Pretax return on assets | 1.2666% | 2,638 |
| Return on Equity (ROE) | 7.1262% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.1262% | 1,628 |
| Net charge-offs to loans | 0.1131% | 1,663 |
| Credit loss provision to net charge-offs | 128.0539% | 1,911 |
| Earnings coverage of net charge-offs (x) | 15.0480% | 2,257 |
| Efficiency ratio | 62.7681% | 3,765 |
| Assets per employee ($millions) | 8.1990% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 3,774 |
| Loan loss allowance to noncurrent loans | 246.5173% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 3,662 |
| Noncurrent loans to loans | 0.4271% | 3,420 |
| Net loans and leases to total assets | 79.8383% | 1,007 |
| Net loans and leases to deposits | 94.1116% | 1,295 |
| Net loans and leases to core deposits | 114.0731% | 835 |
| Total domestic deposits to total assets | 84.8336% | 2,783 |
| Equity capital to assets | 13.9974% | 995 |
| Core capital (leverage) ratio | 14.5678% | 750 |
| Tier 1 risk-based capital ratio | 17.6876% | 1,952 |
| Total risk-based capital ratio | 18.7783% | 1,947 |
| Memoranda: | ||
| Average total assets | $1,725,104,750 | 464 |
| Average earning assets | $1,644,701,250 | 444 |
| Average equity | $192,319,500 | 453 |
| Average total loans | $1,399,321,000 | 412 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7840% | 3,945 |
| Cost of funding earning assets | 0.4089% | 2,987 |
| Net interest margin | 3.3751% | 3,855 |
| Noninterest income to average assets | 0.5247% | 2,863 |
| Noninterest expense to average assets | 2.3668% | 4,153 |
| Loan and lease loss provision to assets | 0.1526% | 1,319 |
| Net operating income to assets | 0.7730% | 3,530 |
| Return on assets (ROA) | 0.7780% | 3,552 |
| Pretax return on assets | 1.2310% | 2,655 |
| Return on Equity (ROE) | 7.6634% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.6634% | 1,293 |
| Net charge-offs to loans | 0.0027% | 3,402 |
| Credit loss provision to net charge-offs | 6,842.1053% | 53 |
| Earnings coverage of net charge-offs (x) | 617.0000% | 125 |
| Efficiency ratio | 63.2416% | 3,797 |
| Assets per employee ($millions) | 7.4792% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 3,355 |
| Loan loss allowance to noncurrent loans | 214.9081% | 2,104 |
| Noncurrent assets plus other real estate owned to assets | 0.4460% | 3,328 |
| Noncurrent loans to loans | 0.5315% | 3,170 |
| Net loans and leases to total assets | 82.9593% | 561 |
| Net loans and leases to deposits | 93.6857% | 1,294 |
| Net loans and leases to core deposits | 116.8918% | 686 |
| Total domestic deposits to total assets | 88.5507% | 1,176 |
| Equity capital to assets | 10.4898% | 3,361 |
| Core capital (leverage) ratio | 10.6535% | 2,755 |
| Tier 1 risk-based capital ratio | 13.1121% | 3,938 |
| Total risk-based capital ratio | 14.3212% | 3,867 |
| Memoranda: | ||
| Average total assets | $1,704,349,000 | 468 |
| Average earning assets | $1,624,900,000 | 451 |
| Average equity | $173,031,000 | 487 |
| Average total loans | $1,385,031,330 | 415 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6583% | 4,249 |
| Cost of funding earning assets | 0.3763% | 3,239 |
| Net interest margin | 3.2820% | 4,074 |
| Noninterest income to average assets | 0.4793% | 3,124 |
| Noninterest expense to average assets | 2.3264% | 4,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7937% | 3,250 |
| Return on assets (ROA) | 0.7937% | 3,309 |
| Pretax return on assets | 1.2829% | 2,289 |
| Return on Equity (ROE) | 7.9470% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.9470% | 1,482 |
| Net charge-offs to loans | -0.0087% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4546% | 3,764 |
| Assets per employee ($millions) | 7.1086% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 3,939 |
| Loan loss allowance to noncurrent loans | 223.8267% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.4084% | 3,553 |
| Noncurrent loans to loans | 0.4731% | 3,394 |
| Net loans and leases to total assets | 85.4089% | 258 |
| Net loans and leases to deposits | 96.7997% | 863 |
| Net loans and leases to core deposits | 115.4105% | 614 |
| Total domestic deposits to total assets | 88.2327% | 1,568 |
| Equity capital to assets | 10.6314% | 3,036 |
| Core capital (leverage) ratio | 10.7733% | 2,622 |
| Tier 1 risk-based capital ratio | 12.8865% | 4,151 |
| Total risk-based capital ratio | 14.0100% | 4,120 |
| Memoranda: | ||
| Average total assets | $1,715,113,000 | 470 |
| Average earning assets | $1,635,723,000 | 451 |
| Average equity | $171,284,000 | 488 |
| Average total loans | $1,371,453,000 | 417 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7052% | 4,189 |
| Cost of funding earning assets | 0.3802% | 3,202 |
| Net interest margin | 3.3250% | 4,068 |
| Noninterest income to average assets | 0.5622% | 2,859 |
| Noninterest expense to average assets | 2.4576% | 4,137 |
| Loan and lease loss provision to assets | 0.0939% | 2,482 |
| Net operating income to assets | 0.8044% | 3,286 |
| Return on assets (ROA) | 0.8219% | 3,297 |
| Pretax return on assets | 1.2055% | 2,640 |
| Return on Equity (ROE) | 7.7702% | 3,072 |
| Retained earnings to average equity (ytd only) | 7.7702% | 933 |
| Net charge-offs to loans | 0.0542% | 2,954 |
| Credit loss provision to net charge-offs | 215.1335% | 1,318 |
| Earnings coverage of net charge-offs (x) | 29.1869% | 1,454 |
| Efficiency ratio | 65.8668% | 3,610 |
| Assets per employee ($millions) | 7.9750% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1101% | 3,657 |
| Loan loss allowance to noncurrent loans | 219.3501% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 3,771 |
| Noncurrent loans to loans | 0.5061% | 3,328 |
| Net loans and leases to total assets | 73.3945% | 1,944 |
| Net loans and leases to deposits | 82.4261% | 2,614 |
| Net loans and leases to core deposits | 91.2096% | 2,376 |
| Total domestic deposits to total assets | 89.0428% | 1,096 |
| Equity capital to assets | 9.4045% | 4,370 |
| Core capital (leverage) ratio | 10.9415% | 2,392 |
| Tier 1 risk-based capital ratio | 13.0890% | 4,005 |
| Total risk-based capital ratio | 14.2417% | 3,984 |
| Memoranda: | ||
| Average total assets | $1,544,608,400 | 497 |
| Average earning assets | $1,472,142,800 | 471 |
| Average equity | $163,380,000 | 492 |
| Average total loans | $1,242,490,600 | 429 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7787% | 3,987 |
| Cost of funding earning assets | 0.3889% | 3,139 |
| Net interest margin | 3.3898% | 3,889 |
| Noninterest income to average assets | 0.5990% | 2,665 |
| Noninterest expense to average assets | 2.5396% | 3,864 |
| Loan and lease loss provision to assets | 0.0991% | 2,246 |
| Net operating income to assets | 0.7769% | 3,474 |
| Return on assets (ROA) | 0.8002% | 3,505 |
| Pretax return on assets | 1.2238% | 2,733 |
| Return on Equity (ROE) | 7.3186% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.3186% | 1,475 |
| Net charge-offs to loans | 0.0653% | 2,406 |
| Credit loss provision to net charge-offs | 184.2546% | 1,524 |
| Earnings coverage of net charge-offs (x) | 23.9330% | 1,697 |
| Efficiency ratio | 66.3669% | 3,526 |
| Assets per employee ($millions) | 6.8764% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,760 |
| Loan loss allowance to noncurrent loans | 193.2776% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5087% | 3,416 |
| Noncurrent loans to loans | 0.5763% | 3,275 |
| Net loans and leases to total assets | 85.1537% | 316 |
| Net loans and leases to deposits | 96.6610% | 981 |
| Net loans and leases to core deposits | 109.4836% | 953 |
| Total domestic deposits to total assets | 88.0951% | 1,354 |
| Equity capital to assets | 10.9641% | 3,049 |
| Core capital (leverage) ratio | 11.0736% | 2,377 |
| Tier 1 risk-based capital ratio | 13.5707% | 3,818 |
| Total risk-based capital ratio | 14.7638% | 3,759 |
| Memoranda: | ||
| Average total assets | $1,480,171,750 | 516 |
| Average earning assets | $1,409,363,500 | 494 |
| Average equity | $161,849,500 | 498 |
| Average total loans | $1,218,693,500 | 439 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,239 |
| Cost of funding earning assets | 0.3862% | 3,191 |
| Net interest margin | 3.3314% | 4,114 |
| Noninterest income to average assets | 0.6023% | 2,607 |
| Noninterest expense to average assets | 2.6089% | 3,695 |
| Loan and lease loss provision to assets | 0.0818% | 2,502 |
| Net operating income to assets | 0.7068% | 3,756 |
| Return on assets (ROA) | 0.7339% | 3,794 |
| Pretax return on assets | 1.1224% | 3,116 |
| Return on Equity (ROE) | 6.7179% | 3,688 |
| Retained earnings to average equity (ytd only) | 6.7179% | 1,756 |
| Net charge-offs to loans | 0.1041% | 1,792 |
| Credit loss provision to net charge-offs | 96.9305% | 2,165 |
| Earnings coverage of net charge-offs (x) | 13.7771% | 2,099 |
| Efficiency ratio | 69.1729% | 3,121 |
| Assets per employee ($millions) | 6.4804% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,797 |
| Loan loss allowance to noncurrent loans | 177.9114% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5694% | 3,313 |
| Noncurrent loans to loans | 0.6339% | 3,177 |
| Net loans and leases to total assets | 81.6042% | 671 |
| Net loans and leases to deposits | 92.4254% | 1,460 |
| Net loans and leases to core deposits | 104.3105% | 1,291 |
| Total domestic deposits to total assets | 88.2919% | 1,279 |
| Equity capital to assets | 10.8086% | 3,275 |
| Core capital (leverage) ratio | 11.0225% | 2,409 |
| Tier 1 risk-based capital ratio | 13.8906% | 3,669 |
| Total risk-based capital ratio | 15.0939% | 3,615 |
| Memoranda: | ||
| Average total assets | $1,467,002,000 | 519 |
| Average earning assets | $1,395,567,670 | 498 |
| Average equity | $160,259,330 | 504 |
| Average total loans | $1,188,711,000 | 444 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 4,403 |
| Cost of funding earning assets | 0.3878% | 3,215 |
| Net interest margin | 3.2888% | 4,266 |
| Noninterest income to average assets | 0.5991% | 2,540 |
| Noninterest expense to average assets | 2.6813% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5949% | 4,198 |
| Return on assets (ROA) | 0.5949% | 4,311 |
| Pretax return on assets | 1.0435% | 3,309 |
| Return on Equity (ROE) | 5.4160% | 4,275 |
| Retained earnings to average equity (ytd only) | 5.4160% | 2,704 |
| Net charge-offs to loans | 0.2197% | 924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 5.9199% | 2,282 |
| Efficiency ratio | 71.9857% | 2,805 |
| Assets per employee ($millions) | 6.4536% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 3,758 |
| Loan loss allowance to noncurrent loans | 173.7618% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 3,315 |
| Noncurrent loans to loans | 0.6629% | 3,185 |
| Net loans and leases to total assets | 79.7619% | 852 |
| Net loans and leases to deposits | 90.6061% | 1,502 |
| Net loans and leases to core deposits | 103.2813% | 1,240 |
| Total domestic deposits to total assets | 88.0315% | 1,623 |
| Equity capital to assets | 11.0648% | 2,869 |
| Core capital (leverage) ratio | 11.3341% | 2,110 |
| Tier 1 risk-based capital ratio | 14.6907% | 3,293 |
| Total risk-based capital ratio | 15.9318% | 3,237 |
| Memoranda: | ||
| Average total assets | $1,445,540,500 | 521 |
| Average earning assets | $1,373,867,000 | 505 |
| Average equity | $158,788,000 | 505 |
| Average total loans | $1,159,958,000 | 455 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 3,968 |
| Cost of funding earning assets | 0.3538% | 3,663 |
| Net interest margin | 3.4702% | 3,639 |
| Noninterest income to average assets | 0.8625% | 1,562 |
| Noninterest expense to average assets | 2.7045% | 3,567 |
| Loan and lease loss provision to assets | -0.0232% | 5,672 |
| Net operating income to assets | 0.8642% | 3,048 |
| Return on assets (ROA) | 0.8642% | 3,122 |
| Pretax return on assets | 1.5156% | 1,508 |
| Return on Equity (ROE) | 7.5013% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.5013% | 1,099 |
| Net charge-offs to loans | -0.0243% | 5,331 |
| Credit loss provision to net charge-offs | 113.7546% | 2,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4400% | 4,179 |
| Assets per employee ($millions) | 6.3121% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 3,360 |
| Loan loss allowance to noncurrent loans | 193.0590% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 3,483 |
| Noncurrent loans to loans | 0.6320% | 3,287 |
| Net loans and leases to total assets | 78.8227% | 1,016 |
| Net loans and leases to deposits | 89.3613% | 1,703 |
| Net loans and leases to core deposits | 102.6636% | 1,316 |
| Total domestic deposits to total assets | 88.2067% | 1,532 |
| Equity capital to assets | 10.9046% | 2,928 |
| Core capital (leverage) ratio | 11.5474% | 1,924 |
| Tier 1 risk-based capital ratio | 14.8111% | 3,267 |
| Total risk-based capital ratio | 16.0621% | 3,204 |
| Memoranda: | ||
| Average total assets | $1,319,714,800 | 544 |
| Average earning assets | $1,268,116,600 | 519 |
| Average equity | $152,040,800 | 499 |
| Average total loans | $1,107,023,600 | 444 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8541% | 3,921 |
| Cost of funding earning assets | 0.3488% | 3,768 |
| Net interest margin | 3.5053% | 3,509 |
| Noninterest income to average assets | 0.9073% | 1,433 |
| Noninterest expense to average assets | 2.7401% | 3,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9119% | 2,905 |
| Return on assets (ROA) | 0.9119% | 2,992 |
| Pretax return on assets | 1.5480% | 1,542 |
| Return on Equity (ROE) | 7.7982% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.7982% | 1,333 |
| Net charge-offs to loans | -0.0108% | 5,017 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9008% | 4,269 |
| Assets per employee ($millions) | 6.1155% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 3,481 |
| Loan loss allowance to noncurrent loans | 203.8473% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5549% | 3,642 |
| Noncurrent loans to loans | 0.6036% | 3,506 |
| Net loans and leases to total assets | 83.9617% | 386 |
| Net loans and leases to deposits | 95.5176% | 1,051 |
| Net loans and leases to core deposits | 109.1573% | 924 |
| Total domestic deposits to total assets | 87.9018% | 1,616 |
| Equity capital to assets | 11.4258% | 2,557 |
| Core capital (leverage) ratio | 11.3194% | 2,174 |
| Tier 1 risk-based capital ratio | 14.9933% | 3,294 |
| Total risk-based capital ratio | 16.2482% | 3,232 |
| Memoranda: | ||
| Average total assets | $1,288,276,750 | 559 |
| Average earning assets | $1,242,496,000 | 530 |
| Average equity | $150,645,500 | 507 |
| Average total loans | $1,095,422,000 | 448 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 3,939 |
| Cost of funding earning assets | 0.3396% | 3,928 |
| Net interest margin | 3.4944% | 3,523 |
| Noninterest income to average assets | 1.0094% | 1,160 |
| Noninterest expense to average assets | 2.7769% | 3,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9474% | 2,649 |
| Return on assets (ROA) | 0.9474% | 2,765 |
| Pretax return on assets | 1.6082% | 1,309 |
| Return on Equity (ROE) | 8.0360% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.0360% | 1,251 |
| Net charge-offs to loans | -0.0080% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3260% | 4,464 |
| Assets per employee ($millions) | 5.8145% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 3,446 |
| Loan loss allowance to noncurrent loans | 235.9787% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 3,975 |
| Noncurrent loans to loans | 0.5346% | 3,853 |
| Net loans and leases to total assets | 83.9390% | 380 |
| Net loans and leases to deposits | 95.6752% | 992 |
| Net loans and leases to core deposits | 108.3630% | 931 |
| Total domestic deposits to total assets | 87.7334% | 1,780 |
| Equity capital to assets | 11.5376% | 2,386 |
| Core capital (leverage) ratio | 11.6998% | 1,840 |
| Tier 1 risk-based capital ratio | 14.6809% | 3,539 |
| Total risk-based capital ratio | 15.9326% | 3,466 |
| Memoranda: | ||
| Average total assets | $1,265,151,670 | 561 |
| Average earning assets | $1,222,173,330 | 536 |
| Average equity | $149,153,000 | 514 |
| Average total loans | $1,075,860,000 | 451 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7646% | 4,152 |
| Cost of funding earning assets | 0.3262% | 4,150 |
| Net interest margin | 3.4384% | 3,679 |
| Noninterest income to average assets | 0.8328% | 1,593 |
| Noninterest expense to average assets | 2.7901% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8053% | 3,235 |
| Return on assets (ROA) | 0.8053% | 3,357 |
| Pretax return on assets | 1.3670% | 2,010 |
| Return on Equity (ROE) | 6.7540% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.7540% | 2,123 |
| Net charge-offs to loans | -0.0452% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1175% | 3,971 |
| Assets per employee ($millions) | 5.6108% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 3,433 |
| Loan loss allowance to noncurrent loans | 191.7015% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.5854% | 3,724 |
| Noncurrent loans to loans | 0.6751% | 3,596 |
| Net loans and leases to total assets | 85.5860% | 215 |
| Net loans and leases to deposits | 97.7743% | 695 |
| Net loans and leases to core deposits | 108.0722% | 820 |
| Total domestic deposits to total assets | 87.5342% | 2,087 |
| Equity capital to assets | 11.7409% | 2,249 |
| Core capital (leverage) ratio | 12.1304% | 1,562 |
| Tier 1 risk-based capital ratio | 14.9831% | 3,445 |
| Total risk-based capital ratio | 16.2356% | 3,371 |
| Memoranda: | ||
| Average total assets | $1,237,783,000 | 567 |
| Average earning assets | $1,196,714,500 | 541 |
| Average equity | $147,587,500 | 516 |
| Average total loans | $1,052,762,000 | 462 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5554% | 5,197 |
| Cost of funding earning assets | 0.3300% | 4,490 |
| Net interest margin | 3.2254% | 4,845 |
| Noninterest income to average assets | 0.5845% | 2,954 |
| Noninterest expense to average assets | 2.7906% | 3,518 |
| Loan and lease loss provision to assets | -0.1683% | 6,250 |
| Net operating income to assets | 0.5666% | 4,523 |
| Return on assets (ROA) | 0.5666% | 4,612 |
| Pretax return on assets | 1.0508% | 3,299 |
| Return on Equity (ROE) | 4.7159% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.7159% | 2,822 |
| Net charge-offs to loans | 0.1111% | 2,926 |
| Credit loss provision to net charge-offs | -190.2765% | 5,615 |
| Earnings coverage of net charge-offs (x) | 9.9809% | 2,672 |
| Efficiency ratio | 75.9725% | 2,515 |
| Assets per employee ($millions) | 5.3195% | 1,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 2,939 |
| Loan loss allowance to noncurrent loans | 294.6544% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3966% | 4,504 |
| Noncurrent loans to loans | 0.4760% | 4,230 |
| Net loans and leases to total assets | 82.1447% | 505 |
| Net loans and leases to deposits | 94.0837% | 1,067 |
| Net loans and leases to core deposits | 100.6222% | 1,348 |
| Total domestic deposits to total assets | 87.3103% | 2,123 |
| Equity capital to assets | 12.1153% | 1,935 |
| Core capital (leverage) ratio | 11.9337% | 1,670 |
| Tier 1 risk-based capital ratio | 15.3594% | 3,287 |
| Total risk-based capital ratio | 16.6129% | 3,237 |
| Memoranda: | ||
| Average total assets | $1,186,316,200 | 571 |
| Average earning assets | $1,136,011,800 | 545 |
| Average equity | $142,538,200 | 512 |
| Average total loans | $943,983,000 | 480 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5171% | 5,355 |
| Cost of funding earning assets | 0.3308% | 4,550 |
| Net interest margin | 3.1863% | 5,007 |
| Noninterest income to average assets | 0.5615% | 3,128 |
| Noninterest expense to average assets | 2.7406% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5077% | 4,850 |
| Return on assets (ROA) | 0.5077% | 4,911 |
| Pretax return on assets | 0.8640% | 4,130 |
| Return on Equity (ROE) | 4.2344% | 5,068 |
| Retained earnings to average equity (ytd only) | 4.2344% | 3,641 |
| Net charge-offs to loans | 0.1047% | 2,751 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.4979% | 2,535 |
| Efficiency ratio | 76.0312% | 2,487 |
| Assets per employee ($millions) | 5.2612% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6695% | 2,071 |
| Loan loss allowance to noncurrent loans | 428.0313% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 4,962 |
| Noncurrent loans to loans | 0.3900% | 4,745 |
| Net loans and leases to total assets | 80.9557% | 614 |
| Net loans and leases to deposits | 92.9001% | 1,144 |
| Net loans and leases to core deposits | 98.8349% | 1,460 |
| Total domestic deposits to total assets | 87.1427% | 2,235 |
| Equity capital to assets | 12.0628% | 2,005 |
| Core capital (leverage) ratio | 11.8643% | 1,778 |
| Tier 1 risk-based capital ratio | 16.0496% | 3,036 |
| Total risk-based capital ratio | 17.3074% | 2,985 |
| Memoranda: | ||
| Average total assets | $1,181,011,250 | 571 |
| Average earning assets | $1,127,909,500 | 546 |
| Average equity | $141,598,500 | 517 |
| Average total loans | $928,469,250 | 479 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 5,509 |
| Cost of funding earning assets | 0.3313% | 4,630 |
| Net interest margin | 3.1220% | 5,184 |
| Noninterest income to average assets | 0.5987% | 2,818 |
| Noninterest expense to average assets | 2.7330% | 3,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4996% | 4,809 |
| Return on assets (ROA) | 0.4996% | 4,893 |
| Pretax return on assets | 0.8503% | 4,079 |
| Return on Equity (ROE) | 4.1754% | 5,074 |
| Retained earnings to average equity (ytd only) | 4.1754% | 3,513 |
| Net charge-offs to loans | 0.1013% | 2,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 10.8503% | 2,209 |
| Efficiency ratio | 76.2713% | 2,572 |
| Assets per employee ($millions) | 5.7308% | 1,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 2,036 |
| Loan loss allowance to noncurrent loans | 389.5167% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 4,967 |
| Noncurrent loans to loans | 0.4443% | 4,648 |
| Net loans and leases to total assets | 78.3421% | 867 |
| Net loans and leases to deposits | 89.5092% | 1,416 |
| Net loans and leases to core deposits | 95.1291% | 1,676 |
| Total domestic deposits to total assets | 87.5240% | 2,190 |
| Equity capital to assets | 11.7804% | 2,181 |
| Core capital (leverage) ratio | 11.7850% | 1,799 |
| Tier 1 risk-based capital ratio | 16.1439% | 3,014 |
| Total risk-based capital ratio | 17.4025% | 2,956 |
| Memoranda: | ||
| Average total assets | $1,176,586,330 | 573 |
| Average earning assets | $1,124,797,670 | 547 |
| Average equity | $140,776,670 | 517 |
| Average total loans | $910,206,670 | 481 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4195% | 5,606 |
| Cost of funding earning assets | 0.3193% | 4,866 |
| Net interest margin | 3.1002% | 5,249 |
| Noninterest income to average assets | 0.5206% | 3,264 |
| Noninterest expense to average assets | 2.8014% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3985% | 5,120 |
| Return on assets (ROA) | 0.3985% | 5,193 |
| Pretax return on assets | 0.6781% | 4,560 |
| Return on Equity (ROE) | 3.3043% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.3043% | 4,143 |
| Net charge-offs to loans | 0.2251% | 1,422 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.9577% | 2,595 |
| Efficiency ratio | 80.5112% | 2,128 |
| Assets per employee ($millions) | 5.3157% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 1,851 |
| Loan loss allowance to noncurrent loans | 303.0215% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 4,651 |
| Noncurrent loans to loans | 0.6160% | 4,320 |
| Net loans and leases to total assets | 75.1874% | 1,102 |
| Net loans and leases to deposits | 86.1592% | 1,590 |
| Net loans and leases to core deposits | 92.1698% | 1,714 |
| Total domestic deposits to total assets | 87.2657% | 2,658 |
| Equity capital to assets | 12.0808% | 1,818 |
| Core capital (leverage) ratio | 12.1630% | 1,564 |
| Tier 1 risk-based capital ratio | 16.9550% | 2,713 |
| Total risk-based capital ratio | 18.2153% | 2,659 |
| Memoranda: | ||
| Average total assets | $1,160,277,000 | 583 |
| Average earning assets | $1,107,410,500 | 553 |
| Average equity | $139,940,500 | 521 |
| Average total loans | $883,310,500 | 494 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5560% | 5,519 |
| Cost of funding earning assets | 0.3539% | 5,097 |
| Net interest margin | 3.2021% | 4,996 |
| Noninterest income to average assets | 0.6906% | 2,593 |
| Noninterest expense to average assets | 3.0696% | 2,835 |
| Loan and lease loss provision to assets | -0.3470% | 6,701 |
| Net operating income to assets | 2.6290% | 150 |
| Return on assets (ROA) | 2.6286% | 154 |
| Pretax return on assets | 1.0638% | 3,095 |
| Return on Equity (ROE) | 23.2959% | 168 |
| Retained earnings to average equity (ytd only) | 23.2959% | 59 |
| Net charge-offs to loans | 0.0816% | 4,073 |
| Credit loss provision to net charge-offs | -559.7579% | 6,155 |
| Earnings coverage of net charge-offs (x) | 11.5688% | 2,224 |
| Efficiency ratio | 80.5137% | 2,074 |
| Assets per employee ($millions) | 5.2804% | 1,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9614% | 1,646 |
| Loan loss allowance to noncurrent loans | 274.1013% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5682% | 4,534 |
| Noncurrent loans to loans | 0.7156% | 4,174 |
| Net loans and leases to total assets | 74.1543% | 1,322 |
| Net loans and leases to deposits | 84.9165% | 1,819 |
| Net loans and leases to core deposits | 93.1121% | 1,666 |
| Total domestic deposits to total assets | 87.3261% | 2,567 |
| Equity capital to assets | 12.0410% | 1,776 |
| Core capital (leverage) ratio | 12.1721% | 1,510 |
| Tier 1 risk-based capital ratio | 16.9368% | 2,636 |
| Total risk-based capital ratio | 18.1981% | 2,594 |
| Memoranda: | ||
| Average total assets | $1,066,257,600 | 619 |
| Average earning assets | $1,030,983,600 | 578 |
| Average equity | $120,313,200 | 590 |
| Average total loans | $810,128,000 | 514 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 5,531 |
| Cost of funding earning assets | 0.3520% | 5,274 |
| Net interest margin | 3.2152% | 4,948 |
| Noninterest income to average assets | 0.6351% | 2,953 |
| Noninterest expense to average assets | 3.1100% | 2,624 |
| Loan and lease loss provision to assets | -0.4727% | 6,826 |
| Net operating income to assets | 1.0732% | 2,107 |
| Return on assets (ROA) | 1.0727% | 2,189 |
| Pretax return on assets | 1.1187% | 3,023 |
| Return on Equity (ROE) | 9.6865% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.6865% | 859 |
| Net charge-offs to loans | -0.0005% | 5,648 |
| Credit loss provision to net charge-offs | 123,333.3333% | 1 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0377% | 1,823 |
| Assets per employee ($millions) | 4.9421% | 2,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0995% | 1,502 |
| Loan loss allowance to noncurrent loans | 386.9329% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 5,004 |
| Noncurrent loans to loans | 0.5426% | 4,840 |
| Net loans and leases to total assets | 77.1532% | 854 |
| Net loans and leases to deposits | 87.4410% | 1,434 |
| Net loans and leases to core deposits | 95.9940% | 1,393 |
| Total domestic deposits to total assets | 88.2346% | 1,975 |
| Equity capital to assets | 11.0949% | 2,673 |
| Core capital (leverage) ratio | 11.0749% | 2,407 |
| Tier 1 risk-based capital ratio | 15.8187% | 3,288 |
| Total risk-based capital ratio | 17.0824% | 3,231 |
| Memoranda: | ||
| Average total assets | $1,043,718,000 | 634 |
| Average earning assets | $1,013,230,250 | 590 |
| Average equity | $115,580,500 | 620 |
| Average total loans | $793,988,000 | 526 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5569% | 5,574 |
| Cost of funding earning assets | 0.3495% | 5,412 |
| Net interest margin | 3.2074% | 4,922 |
| Noninterest income to average assets | 0.6629% | 2,841 |
| Noninterest expense to average assets | 3.1231% | 2,597 |
| Loan and lease loss provision to assets | -0.7167% | 6,900 |
| Net operating income to assets | 1.3263% | 1,252 |
| Return on assets (ROA) | 1.3255% | 1,337 |
| Pretax return on assets | 1.3720% | 2,032 |
| Return on Equity (ROE) | 11.9777% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.9777% | 495 |
| Net charge-offs to loans | -0.0227% | 6,006 |
| Credit loss provision to net charge-offs | 4,204.5455% | 73 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8862% | 1,901 |
| Assets per employee ($millions) | 4.9900% | 2,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1661% | 1,491 |
| Loan loss allowance to noncurrent loans | 707.1062% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.2557% | 5,719 |
| Noncurrent loans to loans | 0.3063% | 5,537 |
| Net loans and leases to total assets | 75.4026% | 1,054 |
| Net loans and leases to deposits | 85.7220% | 1,600 |
| Net loans and leases to core deposits | 90.8173% | 1,827 |
| Total domestic deposits to total assets | 87.9618% | 2,274 |
| Equity capital to assets | 11.0136% | 2,737 |
| Core capital (leverage) ratio | 11.4397% | 1,986 |
| Tier 1 risk-based capital ratio | 15.9317% | 3,234 |
| Total risk-based capital ratio | 17.1962% | 3,168 |
| Memoranda: | ||
| Average total assets | $1,032,496,670 | 638 |
| Average earning assets | $1,003,184,670 | 599 |
| Average equity | $114,262,670 | 627 |
| Average total loans | $775,630,330 | 534 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5424% | 5,598 |
| Cost of funding earning assets | 0.3611% | 5,439 |
| Net interest margin | 3.1813% | 4,989 |
| Noninterest income to average assets | 0.6654% | 2,785 |
| Noninterest expense to average assets | 3.2116% | 2,318 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4908% | 4,716 |
| Return on assets (ROA) | 0.4908% | 4,872 |
| Pretax return on assets | 0.5382% | 5,153 |
| Return on Equity (ROE) | 4.4233% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.4233% | 3,583 |
| Net charge-offs to loans | -0.2117% | 6,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8683% | 1,654 |
| Assets per employee ($millions) | 4.6806% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9484% | 695 |
| Loan loss allowance to noncurrent loans | 393.9443% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 4,911 |
| Noncurrent loans to loans | 0.7484% | 4,631 |
| Net loans and leases to total assets | 69.7639% | 1,702 |
| Net loans and leases to deposits | 78.9616% | 2,216 |
| Net loans and leases to core deposits | 83.9851% | 2,322 |
| Total domestic deposits to total assets | 88.3517% | 2,100 |
| Equity capital to assets | 10.9206% | 3,052 |
| Core capital (leverage) ratio | 11.1967% | 2,098 |
| Tier 1 risk-based capital ratio | 16.7156% | 2,899 |
| Total risk-based capital ratio | 17.9904% | 2,858 |
| Memoranda: | ||
| Average total assets | $1,012,325,000 | 660 |
| Average earning assets | $981,471,500 | 620 |
| Average equity | $112,315,000 | 645 |
| Average total loans | $750,015,500 | 559 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 5,336 |
| Cost of funding earning assets | 0.3988% | 5,928 |
| Net interest margin | 3.5924% | 4,121 |
| Noninterest income to average assets | 0.7397% | 2,545 |
| Noninterest expense to average assets | 3.5723% | 1,676 |
| Loan and lease loss provision to assets | 0.1833% | 3,345 |
| Net operating income to assets | 0.2472% | 5,642 |
| Return on assets (ROA) | 0.2843% | 5,733 |
| Pretax return on assets | 0.3089% | 5,806 |
| Return on Equity (ROE) | 2.4608% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.4608% | 4,508 |
| Net charge-offs to loans | 0.6232% | 1,883 |
| Credit loss provision to net charge-offs | 39.0712% | 4,947 |
| Earnings coverage of net charge-offs (x) | 0.9632% | 4,982 |
| Efficiency ratio | 88.0050% | 1,243 |
| Assets per employee ($millions) | 4.5633% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8456% | 790 |
| Loan loss allowance to noncurrent loans | 302.7141% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.7735% | 4,528 |
| Noncurrent loans to loans | 0.9400% | 4,307 |
| Net loans and leases to total assets | 74.2181% | 1,165 |
| Net loans and leases to deposits | 84.3871% | 1,715 |
| Net loans and leases to core deposits | 89.5440% | 1,887 |
| Total domestic deposits to total assets | 87.9495% | 2,272 |
| Equity capital to assets | 11.2767% | 2,652 |
| Core capital (leverage) ratio | 11.6712% | 1,751 |
| Tier 1 risk-based capital ratio | 16.2771% | 3,007 |
| Total risk-based capital ratio | 17.5507% | 2,952 |
| Memoranda: | ||
| Average total assets | $954,635,200 | 691 |
| Average earning assets | $872,824,200 | 682 |
| Average equity | $110,291,000 | 644 |
| Average total loans | $718,690,800 | 574 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1449% | 5,022 |
| Cost of funding earning assets | 0.4141% | 6,032 |
| Net interest margin | 3.7308% | 3,651 |
| Noninterest income to average assets | 0.7551% | 2,448 |
| Noninterest expense to average assets | 3.5631% | 1,628 |
| Loan and lease loss provision to assets | 0.2467% | 2,593 |
| Net operating income to assets | 0.2667% | 5,725 |
| Return on assets (ROA) | 0.3134% | 5,770 |
| Pretax return on assets | 0.3627% | 5,808 |
| Return on Equity (ROE) | 2.6958% | 5,799 |
| Retained earnings to average equity (ytd only) | 2.6958% | 4,939 |
| Net charge-offs to loans | 0.2508% | 3,216 |
| Credit loss provision to net charge-offs | 131.1844% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.9520% | 3,844 |
| Efficiency ratio | 85.7627% | 1,399 |
| Assets per employee ($millions) | 4.3412% | 3,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5429% | 448 |
| Loan loss allowance to noncurrent loans | 123.0842% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 2.2129% | 2,420 |
| Noncurrent loans to loans | 2.8785% | 1,950 |
| Net loans and leases to total assets | 70.6480% | 1,793 |
| Net loans and leases to deposits | 80.7523% | 2,279 |
| Net loans and leases to core deposits | 86.0301% | 2,460 |
| Total domestic deposits to total assets | 87.4873% | 2,359 |
| Equity capital to assets | 11.6999% | 2,533 |
| Core capital (leverage) ratio | 11.7019% | 1,841 |
| Tier 1 risk-based capital ratio | 17.8073% | 2,422 |
| Total risk-based capital ratio | 19.0911% | 2,376 |
| Memoranda: | ||
| Average total assets | $945,732,750 | 701 |
| Average earning assets | $852,564,500 | 706 |
| Average equity | $109,947,000 | 648 |
| Average total loans | $709,246,750 | 585 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2389% | 4,816 |
| Cost of funding earning assets | 0.4360% | 6,061 |
| Net interest margin | 3.8029% | 3,346 |
| Noninterest income to average assets | 0.7940% | 2,211 |
| Noninterest expense to average assets | 3.5565% | 1,668 |
| Loan and lease loss provision to assets | 0.3072% | 2,151 |
| Net operating income to assets | 0.2343% | 5,811 |
| Return on assets (ROA) | 0.2343% | 6,000 |
| Pretax return on assets | 0.2767% | 6,000 |
| Return on Equity (ROE) | 2.0198% | 6,032 |
| Retained earnings to average equity (ytd only) | 2.0198% | 5,188 |
| Net charge-offs to loans | 0.4577% | 2,232 |
| Credit loss provision to net charge-offs | 88.7936% | 3,082 |
| Earnings coverage of net charge-offs (x) | 1.6877% | 4,144 |
| Efficiency ratio | 85.1463% | 1,518 |
| Assets per employee ($millions) | 4.5179% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2534% | 617 |
| Loan loss allowance to noncurrent loans | 111.3362% | 2,906 |
| Noncurrent assets plus other real estate owned to assets | 2.2110% | 2,531 |
| Noncurrent loans to loans | 2.9221% | 2,044 |
| Net loans and leases to total assets | 73.0164% | 1,388 |
| Net loans and leases to deposits | 82.9592% | 1,988 |
| Net loans and leases to core deposits | 87.6864% | 2,240 |
| Total domestic deposits to total assets | 88.0148% | 2,130 |
| Equity capital to assets | 11.2378% | 2,854 |
| Core capital (leverage) ratio | 11.6919% | 1,792 |
| Tier 1 risk-based capital ratio | 16.7523% | 2,783 |
| Total risk-based capital ratio | 18.0324% | 2,728 |
| Memoranda: | ||
| Average total assets | $944,067,670 | 703 |
| Average earning assets | $830,734,000 | 726 |
| Average equity | $109,518,000 | 648 |
| Average total loans | $713,548,670 | 576 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 4,524 |
| Cost of funding earning assets | 0.4717% | 6,005 |
| Net interest margin | 3.8774% | 3,019 |
| Noninterest income to average assets | 0.8001% | 2,168 |
| Noninterest expense to average assets | 3.6172% | 1,528 |
| Loan and lease loss provision to assets | 0.2376% | 2,570 |
| Net operating income to assets | 0.2907% | 5,687 |
| Return on assets (ROA) | 0.2907% | 5,853 |
| Pretax return on assets | 0.2907% | 6,001 |
| Return on Equity (ROE) | 2.4654% | 5,917 |
| Retained earnings to average equity (ytd only) | 2.4654% | 5,025 |
| Net charge-offs to loans | 0.8630% | 1,185 |
| Credit loss provision to net charge-offs | 36.3997% | 3,507 |
| Earnings coverage of net charge-offs (x) | 0.8094% | 3,931 |
| Efficiency ratio | 86.4840% | 1,430 |
| Assets per employee ($millions) | 4.1101% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3342% | 604 |
| Loan loss allowance to noncurrent loans | 101.1419% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 2.5700% | 2,301 |
| Noncurrent loans to loans | 3.2965% | 1,933 |
| Net loans and leases to total assets | 74.0162% | 1,062 |
| Net loans and leases to deposits | 84.9760% | 1,538 |
| Net loans and leases to core deposits | 90.6182% | 1,787 |
| Total domestic deposits to total assets | 87.1025% | 2,899 |
| Equity capital to assets | 12.0042% | 2,036 |
| Core capital (leverage) ratio | 11.9141% | 1,640 |
| Tier 1 risk-based capital ratio | 18.0005% | 2,291 |
| Total risk-based capital ratio | 19.2826% | 2,248 |
| Memoranda: | ||
| Average total assets | $925,909,000 | 717 |
| Average earning assets | $798,883,500 | 752 |
| Average equity | $109,190,000 | 647 |
| Average total loans | $700,366,000 | 590 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 4,278 |
| Cost of funding earning assets | 0.6644% | 5,743 |
| Net interest margin | 4.0279% | 2,742 |
| Noninterest income to average assets | 0.7385% | 2,397 |
| Noninterest expense to average assets | 3.3905% | 2,266 |
| Loan and lease loss provision to assets | 0.3995% | 2,597 |
| Net operating income to assets | 0.2292% | 5,493 |
| Return on assets (ROA) | 0.2292% | 5,637 |
| Pretax return on assets | 0.2463% | 5,677 |
| Return on Equity (ROE) | 2.1014% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.1014% | 4,717 |
| Net charge-offs to loans | 1.5327% | 1,041 |
| Credit loss provision to net charge-offs | 34.6234% | 5,714 |
| Earnings coverage of net charge-offs (x) | 0.5597% | 5,413 |
| Efficiency ratio | 83.2690% | 1,851 |
| Assets per employee ($millions) | 4.3289% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4547% | 551 |
| Loan loss allowance to noncurrent loans | 104.4349% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 2.5236% | 2,404 |
| Noncurrent loans to loans | 3.3080% | 1,958 |
| Net loans and leases to total assets | 72.1572% | 1,622 |
| Net loans and leases to deposits | 82.3998% | 2,145 |
| Net loans and leases to core deposits | 87.5077% | 2,428 |
| Total domestic deposits to total assets | 87.5697% | 2,430 |
| Equity capital to assets | 11.5873% | 2,439 |
| Core capital (leverage) ratio | 11.6632% | 1,784 |
| Tier 1 risk-based capital ratio | 17.9036% | 2,228 |
| Total risk-based capital ratio | 19.1878% | 2,186 |
| Memoranda: | ||
| Average total assets | $994,363,200 | 662 |
| Average earning assets | $814,126,400 | 723 |
| Average equity | $108,450,600 | 637 |
| Average total loans | $748,491,000 | 546 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6716% | 4,585 |
| Cost of funding earning assets | 0.7069% | 5,714 |
| Net interest margin | 3.9647% | 3,076 |
| Noninterest income to average assets | 0.6920% | 2,653 |
| Noninterest expense to average assets | 3.2248% | 2,748 |
| Loan and lease loss provision to assets | 0.1627% | 4,430 |
| Net operating income to assets | 0.5236% | 4,441 |
| Return on assets (ROA) | 0.5236% | 4,619 |
| Pretax return on assets | 0.5606% | 4,932 |
| Return on Equity (ROE) | 4.8717% | 4,582 |
| Retained earnings to average equity (ytd only) | 4.8717% | 3,261 |
| Net charge-offs to loans | 1.4891% | 976 |
| Credit loss provision to net charge-offs | 14.4893% | 5,626 |
| Earnings coverage of net charge-offs (x) | 0.6442% | 5,140 |
| Efficiency ratio | 80.9393% | 2,113 |
| Assets per employee ($millions) | 4.3232% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1686% | 750 |
| Loan loss allowance to noncurrent loans | 82.6144% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 3.1473% | 2,030 |
| Noncurrent loans to loans | 3.8354% | 1,750 |
| Net loans and leases to total assets | 78.3518% | 678 |
| Net loans and leases to deposits | 89.4976% | 1,270 |
| Net loans and leases to core deposits | 94.9902% | 1,700 |
| Total domestic deposits to total assets | 87.5463% | 2,328 |
| Equity capital to assets | 11.5678% | 2,623 |
| Core capital (leverage) ratio | 11.1095% | 2,308 |
| Tier 1 risk-based capital ratio | 17.5010% | 2,444 |
| Total risk-based capital ratio | 18.7838% | 2,403 |
| Memoranda: | ||
| Average total assets | $1,008,109,250 | 661 |
| Average earning assets | $827,959,500 | 724 |
| Average equity | $108,351,000 | 643 |
| Average total loans | $760,092,500 | 544 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 4,279 |
| Cost of funding earning assets | 0.7715% | 5,554 |
| Net interest margin | 3.9820% | 2,931 |
| Noninterest income to average assets | 0.6618% | 2,758 |
| Noninterest expense to average assets | 3.1529% | 3,072 |
| Loan and lease loss provision to assets | 0.2398% | 3,516 |
| Net operating income to assets | 0.4826% | 4,580 |
| Return on assets (ROA) | 0.4826% | 4,725 |
| Pretax return on assets | 0.4826% | 5,125 |
| Return on Equity (ROE) | 4.5992% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.5992% | 3,260 |
| Net charge-offs to loans | 0.5793% | 2,372 |
| Credit loss provision to net charge-offs | 56.1900% | 4,437 |
| Earnings coverage of net charge-offs (x) | 1.6926% | 4,028 |
| Efficiency ratio | 80.6179% | 2,298 |
| Assets per employee ($millions) | 4.5920% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9676% | 424 |
| Loan loss allowance to noncurrent loans | 110.3088% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 2.8351% | 2,365 |
| Noncurrent loans to loans | 3.5968% | 1,961 |
| Net loans and leases to total assets | 73.7823% | 1,458 |
| Net loans and leases to deposits | 83.4832% | 2,184 |
| Net loans and leases to core deposits | 88.9434% | 2,508 |
| Total domestic deposits to total assets | 88.3798% | 1,927 |
| Equity capital to assets | 10.7924% | 3,179 |
| Core capital (leverage) ratio | 10.4276% | 2,790 |
| Tier 1 risk-based capital ratio | 17.0337% | 2,502 |
| Total risk-based capital ratio | 18.3281% | 2,462 |
| Memoranda: | ||
| Average total assets | $1,025,671,000 | 658 |
| Average earning assets | $827,733,330 | 730 |
| Average equity | $107,627,330 | 649 |
| Average total loans | $755,760,670 | 559 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9646% | 3,270 |
| Cost of funding earning assets | 0.8203% | 5,465 |
| Net interest margin | 4.1443% | 2,099 |
| Noninterest income to average assets | 0.7145% | 2,489 |
| Noninterest expense to average assets | 3.1636% | 3,017 |
| Loan and lease loss provision to assets | 0.4761% | 1,848 |
| Net operating income to assets | 0.3546% | 5,155 |
| Return on assets (ROA) | 0.3546% | 5,229 |
| Pretax return on assets | 0.3546% | 5,486 |
| Return on Equity (ROE) | 3.4267% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.4267% | 4,133 |
| Net charge-offs to loans | -0.0118% | 6,408 |
| Credit loss provision to net charge-offs | -5,590.9091% | 6,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4863% | 2,773 |
| Assets per employee ($millions) | 4.7527% | 2,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2330% | 363 |
| Loan loss allowance to noncurrent loans | 185.2557% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 1.9819% | 3,340 |
| Noncurrent loans to loans | 2.2850% | 3,215 |
| Net loans and leases to total assets | 72.4051% | 1,632 |
| Net loans and leases to deposits | 81.5563% | 2,438 |
| Net loans and leases to core deposits | 86.3850% | 2,821 |
| Total domestic deposits to total assets | 88.7792% | 1,912 |
| Equity capital to assets | 10.4142% | 3,269 |
| Core capital (leverage) ratio | 10.6806% | 2,449 |
| Tier 1 risk-based capital ratio | 16.3946% | 2,708 |
| Total risk-based capital ratio | 17.6919% | 2,664 |
| Memoranda: | ||
| Average total assets | $1,033,382,500 | 658 |
| Average earning assets | $817,796,000 | 746 |
| Average equity | $106,926,000 | 647 |
| Average total loans | $745,551,000 | 575 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7589% | 5,587 |
| Cost of funding earning assets | 1.0002% | 5,691 |
| Net interest margin | 3.7587% | 4,114 |
| Noninterest income to average assets | 0.4262% | 4,700 |
| Noninterest expense to average assets | 5.2719% | 346 |
| Loan and lease loss provision to assets | 5.6205% | 50 |
| Net operating income to assets | -7.4262% | 7,610 |
| Return on assets (ROA) | -7.4262% | 7,612 |
| Pretax return on assets | -7.2769% | 7,611 |
| Return on Equity (ROE) | -75.3288% | 7,534 |
| Retained earnings to average equity (ytd only) | -75.3288% | 7,533 |
| Net charge-offs to loans | 6.4789% | 80 |
| Credit loss provision to net charge-offs | 117.3466% | 3,645 |
| Earnings coverage of net charge-offs (x) | -0.3458% | 6,388 |
| Efficiency ratio | 89.7669% | 1,337 |
| Assets per employee ($millions) | 4.7279% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4641% | 278 |
| Loan loss allowance to noncurrent loans | 198.2086% | 1,507 |
| Noncurrent assets plus other real estate owned to assets | 1.7891% | 3,636 |
| Noncurrent loans to loans | 2.2522% | 3,269 |
| Net loans and leases to total assets | 65.6346% | 3,538 |
| Net loans and leases to deposits | 73.8128% | 4,224 |
| Net loans and leases to core deposits | 79.2642% | 4,309 |
| Total domestic deposits to total assets | 88.9203% | 1,704 |
| Equity capital to assets | 10.2805% | 3,403 |
| Core capital (leverage) ratio | 10.1756% | 2,893 |
| Tier 1 risk-based capital ratio | 16.2901% | 2,618 |
| Total risk-based capital ratio | 17.5852% | 2,561 |
| Memoranda: | ||
| Average total assets | $1,076,248,000 | 622 |
| Average earning assets | $913,244,600 | 660 |
| Average equity | $106,100,200 | 636 |
| Average total loans | $795,644,600 | 551 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6600% | 6,150 |
| Cost of funding earning assets | 1.0102% | 5,891 |
| Net interest margin | 3.6498% | 4,638 |
| Noninterest income to average assets | 0.7255% | 2,671 |
| Noninterest expense to average assets | 3.1562% | 3,084 |
| Loan and lease loss provision to assets | 4.4302% | 123 |
| Net operating income to assets | -2.7045% | 7,392 |
| Return on assets (ROA) | -2.7045% | 7,411 |
| Pretax return on assets | -3.6815% | 7,526 |
| Return on Equity (ROE) | -27.7165% | 7,352 |
| Retained earnings to average equity (ytd only) | -27.7165% | 7,343 |
| Net charge-offs to loans | 4.6304% | 206 |
| Credit loss provision to net charge-offs | 127.2740% | 3,199 |
| Earnings coverage of net charge-offs (x) | 0.2151% | 5,795 |
| Efficiency ratio | 80.1320% | 2,318 |
| Assets per employee ($millions) | 4.9220% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8048% | 431 |
| Loan loss allowance to noncurrent loans | 38.1495% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 7.6977% | 668 |
| Noncurrent loans to loans | 9.9733% | 426 |
| Net loans and leases to total assets | 71.9812% | 2,252 |
| Net loans and leases to deposits | 79.5968% | 3,525 |
| Net loans and leases to core deposits | 91.8124% | 2,836 |
| Total domestic deposits to total assets | 90.4323% | 667 |
| Equity capital to assets | 8.7937% | 5,867 |
| Core capital (leverage) ratio | 5.9880% | 7,437 |
| Tier 1 risk-based capital ratio | 8.3219% | 7,448 |
| Total risk-based capital ratio | 9.6071% | 7,453 |
| Memoranda: | ||
| Average total assets | $1,086,455,000 | 611 |
| Average earning assets | $946,449,000 | 635 |
| Average equity | $106,013,750 | 626 |
| Average total loans | $816,718,500 | 537 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 5,762 |
| Cost of funding earning assets | 1.0272% | 6,014 |
| Net interest margin | 3.7826% | 3,976 |
| Noninterest income to average assets | 0.7243% | 2,552 |
| Noninterest expense to average assets | 3.2830% | 2,614 |
| Loan and lease loss provision to assets | 5.6623% | 82 |
| Net operating income to assets | -3.5777% | 7,584 |
| Return on assets (ROA) | -3.5777% | 7,591 |
| Pretax return on assets | -4.8853% | 7,674 |
| Return on Equity (ROE) | -35.5143% | 7,494 |
| Retained earnings to average equity (ytd only) | -35.5143% | 7,484 |
| Net charge-offs to loans | 6.1681% | 126 |
| Credit loss provision to net charge-offs | 121.9345% | 3,319 |
| Earnings coverage of net charge-offs (x) | 0.1673% | 5,557 |
| Efficiency ratio | 80.1996% | 2,419 |
| Assets per employee ($millions) | 4.9282% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6125% | 506 |
| Loan loss allowance to noncurrent loans | 86.5991% | 3,141 |
| Noncurrent assets plus other real estate owned to assets | 3.2862% | 2,142 |
| Noncurrent loans to loans | 4.1715% | 1,787 |
| Net loans and leases to total assets | 70.4553% | 2,804 |
| Net loans and leases to deposits | 78.1605% | 3,934 |
| Net loans and leases to core deposits | 89.6777% | 3,319 |
| Total domestic deposits to total assets | 90.1418% | 845 |
| Equity capital to assets | 9.0085% | 5,438 |
| Core capital (leverage) ratio | 6.8584% | 7,258 |
| Tier 1 risk-based capital ratio | 9.6605% | 7,197 |
| Total risk-based capital ratio | 10.9406% | 7,177 |
| Memoranda: | ||
| Average total assets | $1,090,938,670 | 604 |
| Average earning assets | $962,032,330 | 622 |
| Average equity | $109,899,330 | 597 |
| Average total loans | $821,321,330 | 536 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 5,660 |
| Cost of funding earning assets | 1.0528% | 6,128 |
| Net interest margin | 3.8035% | 3,783 |
| Noninterest income to average assets | 0.7100% | 2,527 |
| Noninterest expense to average assets | 3.0196% | 3,605 |
| Loan and lease loss provision to assets | 0.8369% | 1,515 |
| Net operating income to assets | 0.1299% | 5,930 |
| Return on assets (ROA) | 0.1299% | 6,050 |
| Pretax return on assets | 0.2362% | 5,775 |
| Return on Equity (ROE) | 1.2262% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.2262% | 5,327 |
| Net charge-offs to loans | 3.0944% | 490 |
| Credit loss provision to net charge-offs | 35.4228% | 4,731 |
| Earnings coverage of net charge-offs (x) | 0.4542% | 4,617 |
| Efficiency ratio | 73.1217% | 3,739 |
| Assets per employee ($millions) | 5.0986% | 2,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1727% | 1,808 |
| Loan loss allowance to noncurrent loans | 44.8199% | 5,370 |
| Noncurrent assets plus other real estate owned to assets | 3.9307% | 1,758 |
| Noncurrent loans to loans | 4.8477% | 1,512 |
| Net loans and leases to total assets | 74.7409% | 1,798 |
| Net loans and leases to deposits | 84.2035% | 2,908 |
| Net loans and leases to core deposits | 95.9449% | 2,597 |
| Total domestic deposits to total assets | 88.7623% | 1,634 |
| Equity capital to assets | 10.3973% | 3,345 |
| Core capital (leverage) ratio | 8.8245% | 4,827 |
| Tier 1 risk-based capital ratio | 11.7213% | 5,474 |
| Total risk-based capital ratio | 12.9846% | 5,408 |
| Memoranda: | ||
| Average total assets | $1,099,230,500 | 617 |
| Average earning assets | $977,616,000 | 624 |
| Average equity | $116,457,500 | 578 |
| Average total loans | $839,327,500 | 544 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4025% | 4,686 |
| Cost of funding earning assets | 1.5020% | 5,505 |
| Net interest margin | 3.9005% | 3,266 |
| Noninterest income to average assets | 0.7810% | 2,503 |
| Noninterest expense to average assets | 3.0699% | 3,873 |
| Loan and lease loss provision to assets | 1.8500% | 1,218 |
| Net operating income to assets | -0.3496% | 6,029 |
| Return on assets (ROA) | -0.3496% | 6,017 |
| Pretax return on assets | -0.5242% | 6,029 |
| Return on Equity (ROE) | -3.1425% | 6,006 |
| Retained earnings to average equity (ytd only) | -3.1425% | 5,728 |
| Net charge-offs to loans | 1.0325% | 2,351 |
| Credit loss provision to net charge-offs | 218.1482% | 1,739 |
| Earnings coverage of net charge-offs (x) | 1.5634% | 4,571 |
| Efficiency ratio | 69.2219% | 4,784 |
| Assets per employee ($millions) | 4.8503% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7764% | 953 |
| Loan loss allowance to noncurrent loans | 64.8963% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 3.5011% | 1,918 |
| Noncurrent loans to loans | 4.2782% | 1,694 |
| Net loans and leases to total assets | 74.1904% | 2,224 |
| Net loans and leases to deposits | 84.1428% | 3,227 |
| Net loans and leases to core deposits | 106.5295% | 3,270 |
| Total domestic deposits to total assets | 88.1720% | 1,894 |
| Equity capital to assets | 10.7998% | 2,867 |
| Core capital (leverage) ratio | 8.8935% | 4,599 |
| Tier 1 risk-based capital ratio | 11.6531% | 5,247 |
| Total risk-based capital ratio | 12.9227% | 5,180 |
| Memoranda: | ||
| Average total assets | $1,083,806,800 | 622 |
| Average earning assets | $1,004,398,000 | 602 |
| Average equity | $120,574,200 | 545 |
| Average total loans | $890,149,200 | 538 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5440% | 4,189 |
| Cost of funding earning assets | 1.5785% | 5,498 |
| Net interest margin | 3.9655% | 2,962 |
| Noninterest income to average assets | 0.7783% | 2,560 |
| Noninterest expense to average assets | 2.9660% | 4,182 |
| Loan and lease loss provision to assets | 1.0133% | 1,896 |
| Net operating income to assets | 0.2824% | 4,853 |
| Return on assets (ROA) | 0.2824% | 4,960 |
| Pretax return on assets | 0.5134% | 4,475 |
| Return on Equity (ROE) | 2.5198% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.5198% | 3,916 |
| Net charge-offs to loans | 0.5362% | 3,071 |
| Credit loss provision to net charge-offs | 226.0893% | 1,928 |
| Earnings coverage of net charge-offs (x) | 3.4064% | 3,545 |
| Efficiency ratio | 65.4146% | 5,472 |
| Assets per employee ($millions) | 4.7062% | 2,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8604% | 2,133 |
| Loan loss allowance to noncurrent loans | 69.4713% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 2.2889% | 2,994 |
| Noncurrent loans to loans | 2.6780% | 2,831 |
| Net loans and leases to total assets | 81.0321% | 971 |
| Net loans and leases to deposits | 92.3732% | 2,173 |
| Net loans and leases to core deposits | 119.0138% | 2,334 |
| Total domestic deposits to total assets | 87.7225% | 1,790 |
| Equity capital to assets | 11.3580% | 2,705 |
| Core capital (leverage) ratio | 9.2002% | 4,339 |
| Tier 1 risk-based capital ratio | 12.1307% | 4,854 |
| Total risk-based capital ratio | 13.3902% | 4,796 |
| Memoranda: | ||
| Average total assets | $1,085,567,250 | 631 |
| Average earning assets | $1,016,809,500 | 604 |
| Average equity | $121,645,500 | 554 |
| Average total loans | $907,269,250 | 539 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5991% | 4,081 |
| Cost of funding earning assets | 1.6551% | 5,492 |
| Net interest margin | 3.9441% | 2,913 |
| Noninterest income to average assets | 0.7831% | 2,497 |
| Noninterest expense to average assets | 2.9513% | 4,283 |
| Loan and lease loss provision to assets | 0.4595% | 3,228 |
| Net operating income to assets | 0.5845% | 3,749 |
| Return on assets (ROA) | 0.5845% | 3,856 |
| Pretax return on assets | 1.0627% | 2,765 |
| Return on Equity (ROE) | 5.2392% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.2392% | 2,375 |
| Net charge-offs to loans | 0.2168% | 4,146 |
| Credit loss provision to net charge-offs | 252.5253% | 1,844 |
| Earnings coverage of net charge-offs (x) | 8.3657% | 2,274 |
| Efficiency ratio | 65.3698% | 5,647 |
| Assets per employee ($millions) | 4.8115% | 2,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4072% | 3,687 |
| Loan loss allowance to noncurrent loans | 63.3839% | 4,279 |
| Noncurrent assets plus other real estate owned to assets | 1.9780% | 3,227 |
| Noncurrent loans to loans | 2.2201% | 3,236 |
| Net loans and leases to total assets | 84.5071% | 559 |
| Net loans and leases to deposits | 96.0792% | 1,783 |
| Net loans and leases to core deposits | 133.0759% | 1,366 |
| Total domestic deposits to total assets | 87.9557% | 1,797 |
| Equity capital to assets | 11.0362% | 2,888 |
| Core capital (leverage) ratio | 9.2811% | 4,196 |
| Tier 1 risk-based capital ratio | 11.8479% | 5,049 |
| Total risk-based capital ratio | 13.1021% | 4,963 |
| Memoranda: | ||
| Average total assets | $1,088,186,330 | 636 |
| Average earning assets | $1,018,190,330 | 614 |
| Average equity | $121,392,000 | 563 |
| Average total loans | $913,077,000 | 547 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7074% | 3,766 |
| Cost of funding earning assets | 1.7456% | 5,376 |
| Net interest margin | 3.9618% | 2,806 |
| Noninterest income to average assets | 0.7954% | 2,352 |
| Noninterest expense to average assets | 2.9862% | 3,830 |
| Loan and lease loss provision to assets | 0.4469% | 2,688 |
| Net operating income to assets | 0.5876% | 4,069 |
| Return on assets (ROA) | 0.5876% | 4,262 |
| Pretax return on assets | 1.0684% | 3,108 |
| Return on Equity (ROE) | 5.2386% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.2386% | 2,997 |
| Net charge-offs to loans | 0.1863% | 3,518 |
| Credit loss provision to net charge-offs | 289.1566% | 1,674 |
| Earnings coverage of net charge-offs (x) | 9.8048% | 2,016 |
| Efficiency ratio | 65.7263% | 5,380 |
| Assets per employee ($millions) | 4.6125% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 3,507 |
| Loan loss allowance to noncurrent loans | 79.9937% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 1.5598% | 3,598 |
| Noncurrent loans to loans | 1.7498% | 3,643 |
| Net loans and leases to total assets | 83.4972% | 770 |
| Net loans and leases to deposits | 95.4109% | 2,053 |
| Net loans and leases to core deposits | 136.2275% | 1,292 |
| Total domestic deposits to total assets | 87.5132% | 1,962 |
| Equity capital to assets | 11.2997% | 2,720 |
| Core capital (leverage) ratio | 9.0930% | 4,569 |
| Tier 1 risk-based capital ratio | 11.7768% | 5,148 |
| Total risk-based capital ratio | 13.0302% | 5,060 |
| Memoranda: | ||
| Average total assets | $1,074,145,500 | 645 |
| Average earning assets | $1,004,800,500 | 622 |
| Average equity | $120,491,000 | 569 |
| Average total loans | $891,220,500 | 566 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3155% | 3,878 |
| Cost of funding earning assets | 1.9304% | 6,639 |
| Net interest margin | 4.3851% | 1,734 |
| Noninterest income to average assets | 0.8546% | 2,201 |
| Noninterest expense to average assets | 3.0883% | 3,746 |
| Loan and lease loss provision to assets | 0.9452% | 1,566 |
| Net operating income to assets | 0.5008% | 4,732 |
| Return on assets (ROA) | 0.4984% | 4,584 |
| Pretax return on assets | 0.8867% | 3,765 |
| Return on Equity (ROE) | 4.4762% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.4762% | 2,344 |
| Net charge-offs to loans | 0.4364% | 2,647 |
| Credit loss provision to net charge-offs | 266.9404% | 1,731 |
| Earnings coverage of net charge-offs (x) | 5.1844% | 3,730 |
| Efficiency ratio | 62.1590% | 5,925 |
| Assets per employee ($millions) | 4.5298% | 2,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 3,358 |
| Loan loss allowance to noncurrent loans | 164.8146% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7537% | 4,959 |
| Noncurrent loans to loans | 0.8314% | 4,973 |
| Net loans and leases to total assets | 80.1426% | 1,633 |
| Net loans and leases to deposits | 91.1598% | 3,269 |
| Net loans and leases to core deposits | 125.6986% | 2,184 |
| Total domestic deposits to total assets | 87.9144% | 1,502 |
| Equity capital to assets | 11.1350% | 2,939 |
| Core capital (leverage) ratio | 9.0058% | 4,731 |
| Tier 1 risk-based capital ratio | 11.4335% | 5,305 |
| Total risk-based capital ratio | 12.6854% | 5,202 |
| Memoranda: | ||
| Average total assets | $1,066,108,600 | 621 |
| Average earning assets | $989,371,200 | 607 |
| Average equity | $118,694,800 | 576 |
| Average total loans | $865,088,000 | 564 |