Home > Bradesco Bank > Performance and Condition Ratios
Bradesco 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 | 5.1807% | 1,705 |
| Cost of funding earning assets | 2.7637% | 221 |
| Net interest margin | 2.4171% | 4,171 |
| Noninterest income to average assets | 0.7200% | 1,133 |
| Noninterest expense to average assets | 2.0619% | 3,492 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.6347% | 3,355 |
| Return on assets (ROA) | 0.6358% | 3,328 |
| Pretax return on assets | 0.8251% | 3,153 |
| Return on Equity (ROE) | 5.9800% | 3,522 |
| Retained earnings to average equity (ytd only) | 5.9832% | 2,249 |
| Net charge-offs to loans | -0.0042% | 3,795 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.9771% | 2,012 |
| Assets per employee ($millions) | 17.8671% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0426% | 3,101 |
| Loan loss allowance to noncurrent loans | 795.5693% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 2,870 |
| Noncurrent loans to loans | 0.1310% | 2,858 |
| Net loans and leases to total assets | 73.9300% | 1,373 |
| Net loans and leases to deposits | 85.8453% | 1,625 |
| Net loans and leases to core deposits | 142.1052% | 254 |
| Total domestic deposits to total assets | 86.1200% | 1,971 |
| Equity capital to assets | 11.3363% | 1,356 |
| Core capital (leverage) ratio | 12.7453% | 1,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0617% | 784 |
| Memoranda: | ||
| Average total assets | $3,736,046,400 | 340 |
| Average earning assets | $3,506,180,200 | 327 |
| Average equity | $396,997,200 | 316 |
| Average total loans | $2,895,482,200 | 311 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0594% | 1,711 |
| Cost of funding earning assets | 2.6148% | 233 |
| Net interest margin | 2.4447% | 4,191 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.0734% | 3,415 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.6860% | 3,356 |
| Return on assets (ROA) | 0.6790% | 3,358 |
| Pretax return on assets | 0.9093% | 3,080 |
| Return on Equity (ROE) | 6.5200% | 3,541 |
| Retained earnings to average equity (ytd only) | 6.5196% | 2,454 |
| Net charge-offs to loans | -0.0060% | 3,796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.8040% | 2,176 |
| Assets per employee ($millions) | 16.0212% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 2,956 |
| Loan loss allowance to noncurrent loans | 896.7163% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 2,937 |
| Noncurrent loans to loans | 0.1206% | 2,959 |
| Net loans and leases to total assets | 78.9300% | 767 |
| Net loans and leases to deposits | 94.8791% | 830 |
| Net loans and leases to core deposits | 163.3395% | 95 |
| Total domestic deposits to total assets | 83.1900% | 2,983 |
| Equity capital to assets | 12.7062% | 871 |
| Core capital (leverage) ratio | 13.3672% | 981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9299% | 557 |
| Memoranda: | ||
| Average total assets | $3,598,030,250 | 355 |
| Average earning assets | $3,379,101,750 | 337 |
| Average equity | $374,718,500 | 332 |
| Average total loans | $2,818,483,500 | 317 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8408% | 1,899 |
| Cost of funding earning assets | 2.4647% | 206 |
| Net interest margin | 2.3761% | 4,319 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.0964% | 3,357 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.6688% | 3,410 |
| Return on assets (ROA) | 0.6689% | 3,413 |
| Pretax return on assets | 0.8962% | 3,170 |
| Return on Equity (ROE) | 6.9700% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.9655% | 2,293 |
| Net charge-offs to loans | -0.0092% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 67.1520% | 2,087 |
| Assets per employee ($millions) | 15.9285% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 2,853 |
| Loan loss allowance to noncurrent loans | 1,193.8554% | 834 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,053 |
| Noncurrent loans to loans | 0.0937% | 3,033 |
| Net loans and leases to total assets | 76.1800% | 1,033 |
| Net loans and leases to deposits | 96.4446% | 707 |
| Net loans and leases to core deposits | 159.9448% | 100 |
| Total domestic deposits to total assets | 78.9900% | 3,719 |
| Equity capital to assets | 12.7538% | 871 |
| Core capital (leverage) ratio | 14.1162% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9883% | 555 |
| Memoranda: | ||
| Average total assets | $3,542,378,667 | 345 |
| Average earning assets | $3,321,643,333 | 329 |
| Average equity | $340,162,333 | 350 |
| Average total loans | $2,756,535,000 | 311 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7690% | 1,694 |
| Cost of funding earning assets | 2.2565% | 170 |
| Net interest margin | 2.5125% | 4,291 |
| Noninterest income to average assets | 1.1700% | 458 |
| Noninterest expense to average assets | 2.1286% | 3,310 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.9707% | 2,622 |
| Return on assets (ROA) | 0.9759% | 2,574 |
| Pretax return on assets | 1.2995% | 2,173 |
| Return on Equity (ROE) | 12.3200% | 2,139 |
| Retained earnings to average equity (ytd only) | 12.3180% | 1,212 |
| Net charge-offs to loans | -0.0187% | 4,083 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.1742% | 2,939 |
| Assets per employee ($millions) | 15.0960% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 2,992 |
| Loan loss allowance to noncurrent loans | 1,056.9007% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 2,962 |
| Noncurrent loans to loans | 0.1052% | 3,012 |
| Net loans and leases to total assets | 78.9400% | 650 |
| Net loans and leases to deposits | 94.6108% | 746 |
| Net loans and leases to core deposits | 163.4196% | 80 |
| Total domestic deposits to total assets | 83.4400% | 3,214 |
| Equity capital to assets | 8.0558% | 3,203 |
| Core capital (leverage) ratio | 8.4290% | 4,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4278% | 2,207 |
| Memoranda: | ||
| Average total assets | $3,465,862,000 | 360 |
| Average earning assets | $3,264,505,000 | 343 |
| Average equity | $274,590,500 | 424 |
| Average total loans | $2,711,303,000 | 323 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 2,935 |
| Cost of funding earning assets | 0.7666% | 440 |
| Net interest margin | 2.7863% | 3,919 |
| Noninterest income to average assets | 0.5900% | 1,691 |
| Noninterest expense to average assets | 2.2018% | 3,024 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.6574% | 3,741 |
| Return on assets (ROA) | 0.6463% | 3,719 |
| Pretax return on assets | 0.8301% | 3,549 |
| Return on Equity (ROE) | 7.3000% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.3033% | 2,104 |
| Net charge-offs to loans | -0.0113% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.9240% | 1,975 |
| Assets per employee ($millions) | 15.3063% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 3,889 |
| Loan loss allowance to noncurrent loans | 1,056.8807% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 3,180 |
| Noncurrent loans to loans | 0.0815% | 3,173 |
| Net loans and leases to total assets | 75.9900% | 1,012 |
| Net loans and leases to deposits | 85.6804% | 1,338 |
| Net loans and leases to core deposits | 135.7544% | 174 |
| Total domestic deposits to total assets | 88.6900% | 1,817 |
| Equity capital to assets | 7.7915% | 3,193 |
| Core capital (leverage) ratio | 8.8238% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0827% | 2,336 |
| Memoranda: | ||
| Average total assets | $2,993,391,600 | 395 |
| Average earning assets | $2,848,456,000 | 377 |
| Average equity | $264,881,200 | 425 |
| Average total loans | $2,239,734,600 | 346 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3021% | 3,171 |
| Cost of funding earning assets | 0.4608% | 931 |
| Net interest margin | 2.8412% | 3,649 |
| Noninterest income to average assets | 0.5900% | 1,743 |
| Noninterest expense to average assets | 2.1655% | 3,022 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.7355% | 3,464 |
| Return on assets (ROA) | 0.7195% | 3,460 |
| Pretax return on assets | 0.9721% | 3,103 |
| Return on Equity (ROE) | 7.8500% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.8460% | 2,060 |
| Net charge-offs to loans | -0.0158% | 3,897 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.5047% | 2,343 |
| Assets per employee ($millions) | 13.4509% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 3,975 |
| Loan loss allowance to noncurrent loans | 2,070.4268% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0330% | 3,590 |
| Noncurrent loans to loans | 0.0413% | 3,594 |
| Net loans and leases to total assets | 79.0700% | 614 |
| Net loans and leases to deposits | 94.5466% | 615 |
| Net loans and leases to core deposits | 138.0574% | 108 |
| Total domestic deposits to total assets | 83.6300% | 3,573 |
| Equity capital to assets | 8.9201% | 2,263 |
| Core capital (leverage) ratio | 9.5560% | 3,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8279% | 1,760 |
| Memoranda: | ||
| Average total assets | $2,869,280,000 | 406 |
| Average earning assets | $2,739,918,500 | 391 |
| Average equity | $263,124,250 | 428 |
| Average total loans | $2,130,925,500 | 359 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0514% | 3,426 |
| Cost of funding earning assets | 0.2740% | 1,972 |
| Net interest margin | 2.7774% | 3,508 |
| Noninterest income to average assets | 0.6349% | 1,598 |
| Noninterest expense to average assets | 2.1357% | 3,042 |
| Loan and lease loss provision to assets | 0.0759% | 1,273 |
| Net operating income to assets | 0.8040% | 2,941 |
| Return on assets (ROA) | 0.7885% | 2,967 |
| Pretax return on assets | 1.0532% | 2,561 |
| Return on Equity (ROE) | 8.5161% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.5161% | 1,432 |
| Net charge-offs to loans | -0.0247% | 3,969 |
| Credit loss provision to net charge-offs | -424.5059% | 3,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0258% | 2,636 |
| Assets per employee ($millions) | 12.7260% | 311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8351% | 4,117 |
| Loan loss allowance to noncurrent loans | 1,249.0424% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.0495% | 3,497 |
| Noncurrent loans to loans | 0.0669% | 3,462 |
| Net loans and leases to total assets | 73.4411% | 959 |
| Net loans and leases to deposits | 84.1293% | 1,110 |
| Net loans and leases to core deposits | 96.3496% | 813 |
| Total domestic deposits to total assets | 87.2955% | 2,828 |
| Equity capital to assets | 8.9361% | 2,423 |
| Core capital (leverage) ratio | 9.2981% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0501% | 1,691 |
| Memoranda: | ||
| Average total assets | $2,830,337,333 | 406 |
| Average earning assets | $2,700,016,667 | 393 |
| Average equity | $262,044,667 | 429 |
| Average total loans | $2,047,445,667 | 360 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9335% | 3,441 |
| Cost of funding earning assets | 0.2036% | 2,749 |
| Net interest margin | 2.7299% | 3,340 |
| Noninterest income to average assets | 0.6711% | 1,408 |
| Noninterest expense to average assets | 2.1858% | 2,880 |
| Loan and lease loss provision to assets | 0.0441% | 1,566 |
| Net operating income to assets | 0.7864% | 2,708 |
| Return on assets (ROA) | 0.7664% | 2,781 |
| Pretax return on assets | 1.0381% | 2,329 |
| Return on Equity (ROE) | 8.1271% | 2,634 |
| Retained earnings to average equity (ytd only) | 8.1271% | 1,537 |
| Net charge-offs to loans | -0.0603% | 4,324 |
| Credit loss provision to net charge-offs | -102.3490% | 2,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3728% | 2,719 |
| Assets per employee ($millions) | 13.2149% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 4,118 |
| Loan loss allowance to noncurrent loans | 779.4222% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 3,294 |
| Noncurrent loans to loans | 0.1114% | 3,275 |
| Net loans and leases to total assets | 68.8868% | 1,125 |
| Net loans and leases to deposits | 77.9607% | 1,290 |
| Net loans and leases to core deposits | 127.7639% | 101 |
| Total domestic deposits to total assets | 88.3428% | 2,365 |
| Equity capital to assets | 8.9934% | 2,715 |
| Core capital (leverage) ratio | 9.2926% | 3,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9770% | 1,262 |
| Memoranda: | ||
| Average total assets | $2,769,289,500 | 417 |
| Average earning assets | $2,659,985,500 | 400 |
| Average equity | $261,151,500 | 439 |
| Average total loans | $1,977,889,000 | 371 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1698% | 3,537 |
| Cost of funding earning assets | 0.3152% | 2,252 |
| Net interest margin | 2.8546% | 3,547 |
| Noninterest income to average assets | 0.5268% | 2,459 |
| Noninterest expense to average assets | 2.4118% | 2,455 |
| Loan and lease loss provision to assets | 0.1033% | 1,217 |
| Net operating income to assets | 0.5513% | 3,979 |
| Return on assets (ROA) | 0.5545% | 4,017 |
| Pretax return on assets | 0.7323% | 3,864 |
| Return on Equity (ROE) | 5.0524% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.0524% | 2,763 |
| Net charge-offs to loans | -0.0078% | 3,664 |
| Credit loss provision to net charge-offs | -1,764.4444% | 4,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3607% | 1,266 |
| Assets per employee ($millions) | 12.2958% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 4,125 |
| Loan loss allowance to noncurrent loans | 363.8590% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 0.1801% | 2,678 |
| Noncurrent loans to loans | 0.2405% | 2,769 |
| Net loans and leases to total assets | 72.9136% | 762 |
| Net loans and leases to deposits | 84.7564% | 865 |
| Net loans and leases to core deposits | 130.7029% | 100 |
| Total domestic deposits to total assets | 86.0073% | 2,904 |
| Equity capital to assets | 9.9129% | 2,740 |
| Core capital (leverage) ratio | 10.4173% | 1,980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9132% | 1,542 |
| Memoranda: | ||
| Average total assets | $2,306,554,600 | 462 |
| Average earning assets | $2,195,083,400 | 452 |
| Average equity | $253,128,200 | 441 |
| Average total loans | $1,735,186,800 | 401 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2261% | 3,556 |
| Cost of funding earning assets | 0.3481% | 2,135 |
| Net interest margin | 2.8780% | 3,601 |
| Noninterest income to average assets | 0.5457% | 2,428 |
| Noninterest expense to average assets | 2.4559% | 2,255 |
| Loan and lease loss provision to assets | 0.0824% | 1,437 |
| Net operating income to assets | 0.5512% | 4,095 |
| Return on assets (ROA) | 0.5564% | 4,131 |
| Pretax return on assets | 0.7372% | 4,003 |
| Return on Equity (ROE) | 4.9287% | 4,133 |
| Retained earnings to average equity (ytd only) | 4.9287% | 3,246 |
| Net charge-offs to loans | -0.0062% | 3,500 |
| Credit loss provision to net charge-offs | -1,762.8205% | 3,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1274% | 1,113 |
| Assets per employee ($millions) | 10.6576% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8763% | 4,215 |
| Loan loss allowance to noncurrent loans | 254.6125% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 2,431 |
| Noncurrent loans to loans | 0.3442% | 2,551 |
| Net loans and leases to total assets | 77.2654% | 451 |
| Net loans and leases to deposits | 90.8610% | 555 |
| Net loans and leases to core deposits | 124.1626% | 149 |
| Total domestic deposits to total assets | 85.0144% | 3,108 |
| Equity capital to assets | 11.0098% | 2,007 |
| Core capital (leverage) ratio | 11.4907% | 1,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1690% | 1,320 |
| Memoranda: | ||
| Average total assets | $2,225,370,500 | 483 |
| Average earning assets | $2,105,737,750 | 471 |
| Average equity | $251,200,750 | 448 |
| Average total loans | $1,685,107,750 | 421 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2581% | 3,539 |
| Cost of funding earning assets | 0.3886% | 1,982 |
| Net interest margin | 2.8695% | 3,638 |
| Noninterest income to average assets | 0.5234% | 2,516 |
| Noninterest expense to average assets | 2.4519% | 2,302 |
| Loan and lease loss provision to assets | 0.0547% | 1,940 |
| Net operating income to assets | 0.5412% | 4,130 |
| Return on assets (ROA) | 0.5453% | 4,169 |
| Pretax return on assets | 0.7233% | 4,020 |
| Return on Equity (ROE) | 4.7887% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.7887% | 3,262 |
| Net charge-offs to loans | 0.0139% | 1,671 |
| Credit loss provision to net charge-offs | 526.3158% | 661 |
| Earnings coverage of net charge-offs (x) | 74.3246% | 873 |
| Efficiency ratio | 76.0338% | 1,081 |
| Assets per employee ($millions) | 10.3858% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8883% | 4,186 |
| Loan loss allowance to noncurrent loans | 215.0815% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 2,233 |
| Noncurrent loans to loans | 0.4130% | 2,440 |
| Net loans and leases to total assets | 75.1630% | 660 |
| Net loans and leases to deposits | 89.6983% | 669 |
| Net loans and leases to core deposits | 119.0314% | 226 |
| Total domestic deposits to total assets | 83.7671% | 3,503 |
| Equity capital to assets | 11.4222% | 1,679 |
| Core capital (leverage) ratio | 11.4470% | 1,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1924% | 1,080 |
| Memoranda: | ||
| Average total assets | $2,192,711,000 | 484 |
| Average earning assets | $2,064,224,667 | 472 |
| Average equity | $249,668,667 | 449 |
| Average total loans | $1,643,138,333 | 434 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2499% | 3,577 |
| Cost of funding earning assets | 0.4326% | 1,845 |
| Net interest margin | 2.8172% | 3,717 |
| Noninterest income to average assets | 0.5085% | 2,571 |
| Noninterest expense to average assets | 2.4374% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5447% | 4,087 |
| Return on assets (ROA) | 0.5499% | 4,116 |
| Pretax return on assets | 0.7289% | 3,962 |
| Return on Equity (ROE) | 4.8372% | 4,124 |
| Retained earnings to average equity (ytd only) | 4.8372% | 3,278 |
| Net charge-offs to loans | 0.0288% | 1,200 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 33.6923% | 1,048 |
| Efficiency ratio | 77.1399% | 1,029 |
| Assets per employee ($millions) | 10.6931% | 487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8801% | 4,211 |
| Loan loss allowance to noncurrent loans | 131.9037% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.5108% | 1,858 |
| Noncurrent loans to loans | 0.6672% | 1,908 |
| Net loans and leases to total assets | 74.5638% | 769 |
| Net loans and leases to deposits | 90.1379% | 691 |
| Net loans and leases to core deposits | 123.2719% | 216 |
| Total domestic deposits to total assets | 82.7021% | 3,761 |
| Equity capital to assets | 11.5400% | 1,519 |
| Core capital (leverage) ratio | 11.1758% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1586% | 902 |
| Memoranda: | ||
| Average total assets | $2,182,974,000 | 484 |
| Average earning assets | $2,054,371,000 | 472 |
| Average equity | $248,162,500 | 445 |
| Average total loans | $1,625,883,500 | 443 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6417% | 3,714 |
| Cost of funding earning assets | 0.7866% | 1,264 |
| Net interest margin | 2.8551% | 4,182 |
| Noninterest income to average assets | 0.4724% | 2,762 |
| Noninterest expense to average assets | 2.1789% | 3,724 |
| Loan and lease loss provision to assets | 0.1148% | 2,914 |
| Net operating income to assets | 0.6848% | 3,481 |
| Return on assets (ROA) | 0.7130% | 3,525 |
| Pretax return on assets | 0.9141% | 3,328 |
| Return on Equity (ROE) | 6.8314% | 3,268 |
| Retained earnings to average equity (ytd only) | 6.8314% | 1,451 |
| Net charge-offs to loans | 0.3024% | 575 |
| Credit loss provision to net charge-offs | 50.7614% | 3,139 |
| Earnings coverage of net charge-offs (x) | 4.3930% | 2,992 |
| Efficiency ratio | 68.6925% | 2,141 |
| Assets per employee ($millions) | 12.2552% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,227 |
| Loan loss allowance to noncurrent loans | 125.0173% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5619% | 1,881 |
| Noncurrent loans to loans | 0.7088% | 1,923 |
| Net loans and leases to total assets | 73.0965% | 1,148 |
| Net loans and leases to deposits | 87.7253% | 1,118 |
| Net loans and leases to core deposits | 128.1697% | 214 |
| Total domestic deposits to total assets | 83.3097% | 3,326 |
| Equity capital to assets | 11.1998% | 2,099 |
| Core capital (leverage) ratio | 10.8234% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4413% | 846 |
| Memoranda: | ||
| Average total assets | $2,265,795,000 | 429 |
| Average earning assets | $2,142,385,600 | 418 |
| Average equity | $236,481,000 | 441 |
| Average total loans | $1,693,848,800 | 403 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 3,709 |
| Cost of funding earning assets | 0.8597% | 1,215 |
| Net interest margin | 2.8758% | 4,219 |
| Noninterest income to average assets | 0.4583% | 2,805 |
| Noninterest expense to average assets | 1.7862% | 4,521 |
| Loan and lease loss provision to assets | 0.1345% | 2,669 |
| Net operating income to assets | 0.9586% | 2,494 |
| Return on assets (ROA) | 0.9962% | 2,483 |
| Pretax return on assets | 1.3061% | 2,022 |
| Return on Equity (ROE) | 9.7165% | 2,127 |
| Retained earnings to average equity (ytd only) | 9.7165% | 825 |
| Net charge-offs to loans | 0.1988% | 768 |
| Credit loss provision to net charge-offs | 90.1607% | 2,697 |
| Earnings coverage of net charge-offs (x) | 9.3414% | 2,432 |
| Efficiency ratio | 56.1828% | 3,902 |
| Assets per employee ($millions) | 12.3194% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 3,500 |
| Loan loss allowance to noncurrent loans | 97.5564% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7731% | 1,497 |
| Noncurrent loans to loans | 1.0702% | 1,400 |
| Net loans and leases to total assets | 69.7785% | 1,987 |
| Net loans and leases to deposits | 83.7004% | 1,939 |
| Net loans and leases to core deposits | 121.6368% | 381 |
| Total domestic deposits to total assets | 83.3614% | 3,041 |
| Equity capital to assets | 10.6884% | 2,633 |
| Core capital (leverage) ratio | 10.5770% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7405% | 812 |
| Memoranda: | ||
| Average total assets | $2,280,758,750 | 418 |
| Average earning assets | $2,158,003,750 | 405 |
| Average equity | $233,836,000 | 439 |
| Average total loans | $1,710,590,250 | 392 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 3,602 |
| Cost of funding earning assets | 0.9423% | 1,181 |
| Net interest margin | 2.9626% | 4,205 |
| Noninterest income to average assets | 0.4593% | 2,768 |
| Noninterest expense to average assets | 1.7920% | 4,571 |
| Loan and lease loss provision to assets | 0.2013% | 2,038 |
| Net operating income to assets | 0.9781% | 2,403 |
| Return on assets (ROA) | 1.0269% | 2,356 |
| Pretax return on assets | 1.3331% | 1,924 |
| Return on Equity (ROE) | 10.1593% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.1593% | 764 |
| Net charge-offs to loans | -0.0002% | 3,712 |
| Credit loss provision to net charge-offs | -115,000.0000% | 4,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8922% | 4,076 |
| Assets per employee ($millions) | 12.7984% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 2,829 |
| Loan loss allowance to noncurrent loans | 93.2219% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.9194% | 1,331 |
| Noncurrent loans to loans | 1.2232% | 1,282 |
| Net loans and leases to total assets | 72.8145% | 1,582 |
| Net loans and leases to deposits | 87.5685% | 1,605 |
| Net loans and leases to core deposits | 131.5760% | 242 |
| Total domestic deposits to total assets | 83.1515% | 3,040 |
| Equity capital to assets | 10.3505% | 2,888 |
| Core capital (leverage) ratio | 10.4368% | 2,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6304% | 959 |
| Memoranda: | ||
| Average total assets | $2,285,422,667 | 410 |
| Average earning assets | $2,163,963,000 | 396 |
| Average equity | $231,020,667 | 441 |
| Average total loans | $1,747,986,000 | 379 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,631 |
| Cost of funding earning assets | 1.0643% | 1,168 |
| Net interest margin | 2.9938% | 4,289 |
| Noninterest income to average assets | 0.4936% | 2,580 |
| Noninterest expense to average assets | 1.7946% | 4,674 |
| Loan and lease loss provision to assets | 0.1402% | 1,986 |
| Net operating income to assets | 1.0348% | 2,062 |
| Return on assets (ROA) | 1.0864% | 1,986 |
| Pretax return on assets | 1.4586% | 1,414 |
| Return on Equity (ROE) | 10.8786% | 1,447 |
| Retained earnings to average equity (ytd only) | 10.8786% | 582 |
| Net charge-offs to loans | -0.0038% | 3,777 |
| Credit loss provision to net charge-offs | -4,705.8824% | 3,862 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9227% | 4,403 |
| Assets per employee ($millions) | 12.8789% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,759 |
| Loan loss allowance to noncurrent loans | 120.6824% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 2,057 |
| Noncurrent loans to loans | 0.8211% | 1,966 |
| Net loans and leases to total assets | 76.9540% | 1,141 |
| Net loans and leases to deposits | 93.5769% | 1,116 |
| Net loans and leases to core deposits | 135.5433% | 207 |
| Total domestic deposits to total assets | 82.2361% | 3,347 |
| Equity capital to assets | 9.9853% | 3,801 |
| Core capital (leverage) ratio | 10.3596% | 3,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2075% | 1,299 |
| Memoranda: | ||
| Average total assets | $2,282,677,000 | 402 |
| Average earning assets | $2,161,105,500 | 386 |
| Average equity | $227,970,000 | 444 |
| Average total loans | $1,778,299,500 | 368 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 3,158 |
| Cost of funding earning assets | 1.2818% | 809 |
| Net interest margin | 3.1497% | 4,288 |
| Noninterest income to average assets | 0.5211% | 2,621 |
| Noninterest expense to average assets | 1.7849% | 4,789 |
| Loan and lease loss provision to assets | -0.0154% | 4,947 |
| Net operating income to assets | 1.2968% | 1,705 |
| Return on assets (ROA) | 1.3793% | 1,492 |
| Pretax return on assets | 1.8388% | 859 |
| Return on Equity (ROE) | 14.3471% | 832 |
| Retained earnings to average equity (ytd only) | 13.2831% | 153 |
| Net charge-offs to loans | -0.0098% | 4,465 |
| Credit loss provision to net charge-offs | 204.6784% | 1,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6594% | 4,699 |
| Assets per employee ($millions) | 13.0638% | 180 |
| Cash dividends to net income (ytd only)* | 7.4165% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9598% | 3,700 |
| Loan loss allowance to noncurrent loans | 271.4148% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 2,610 |
| Noncurrent loans to loans | 0.3536% | 3,181 |
| Net loans and leases to total assets | 77.3382% | 1,193 |
| Net loans and leases to deposits | 94.8848% | 1,064 |
| Net loans and leases to core deposits | 153.6001% | 102 |
| Total domestic deposits to total assets | 81.4931% | 3,645 |
| Equity capital to assets | 9.9887% | 3,930 |
| Core capital (leverage) ratio | 10.1276% | 3,379 |
| Tier 1 risk-based capital ratio | 15.4628% | 2,591 |
| Total risk-based capital ratio | 16.6252% | 2,559 |
| Memoranda: | ||
| Average total assets | $2,278,770,600 | 379 |
| Average earning assets | $2,158,051,800 | 360 |
| Average equity | $219,068,600 | 441 |
| Average total loans | $1,737,784,600 | 365 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 3,133 |
| Cost of funding earning assets | 1.2957% | 800 |
| Net interest margin | 3.1823% | 4,338 |
| Noninterest income to average assets | 0.5259% | 2,575 |
| Noninterest expense to average assets | 1.7682% | 4,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3036% | 1,845 |
| Return on assets (ROA) | 1.3990% | 1,531 |
| Pretax return on assets | 1.8923% | 882 |
| Return on Equity (ROE) | 14.6940% | 849 |
| Retained earnings to average equity (ytd only) | 13.9954% | 208 |
| Net charge-offs to loans | -0.0088% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9522% | 4,748 |
| Assets per employee ($millions) | 12.7572% | 178 |
| Cash dividends to net income (ytd only)* | 4.7540% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 3,427 |
| Loan loss allowance to noncurrent loans | 221.5195% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 2,426 |
| Noncurrent loans to loans | 0.4628% | 2,916 |
| Net loans and leases to total assets | 73.2628% | 1,952 |
| Net loans and leases to deposits | 91.7650% | 1,468 |
| Net loans and leases to core deposits | 134.5906% | 247 |
| Total domestic deposits to total assets | 79.8297% | 4,021 |
| Equity capital to assets | 10.1174% | 3,897 |
| Core capital (leverage) ratio | 9.9712% | 3,664 |
| Tier 1 risk-based capital ratio | 17.3021% | 1,998 |
| Total risk-based capital ratio | 18.5527% | 1,957 |
| Memoranda: | ||
| Average total assets | $2,283,455,000 | 378 |
| Average earning assets | $2,162,636,250 | 362 |
| Average equity | $217,399,000 | 446 |
| Average total loans | $1,731,029,000 | 370 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 3,099 |
| Cost of funding earning assets | 1.2663% | 828 |
| Net interest margin | 3.2057% | 4,363 |
| Noninterest income to average assets | 0.5140% | 2,595 |
| Noninterest expense to average assets | 1.7953% | 4,882 |
| Loan and lease loss provision to assets | 0.0328% | 3,176 |
| Net operating income to assets | 1.2727% | 1,873 |
| Return on assets (ROA) | 1.3137% | 1,785 |
| Pretax return on assets | 1.7704% | 1,115 |
| Return on Equity (ROE) | 14.0910% | 958 |
| Retained earnings to average equity (ytd only) | 13.2471% | 280 |
| Net charge-offs to loans | -0.0047% | 4,103 |
| Credit loss provision to net charge-offs | -914.6341% | 4,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6212% | 4,747 |
| Assets per employee ($millions) | 13.2131% | 157 |
| Cash dividends to net income (ytd only)* | 5.9892% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 3,557 |
| Loan loss allowance to noncurrent loans | 183.1227% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 2,384 |
| Noncurrent loans to loans | 0.5523% | 2,615 |
| Net loans and leases to total assets | 72.9669% | 2,067 |
| Net loans and leases to deposits | 90.1761% | 1,718 |
| Net loans and leases to core deposits | 133.1967% | 272 |
| Total domestic deposits to total assets | 80.9160% | 3,840 |
| Equity capital to assets | 9.3903% | 4,513 |
| Core capital (leverage) ratio | 9.7551% | 3,879 |
| Tier 1 risk-based capital ratio | 16.2965% | 2,303 |
| Total risk-based capital ratio | 17.5472% | 2,253 |
| Memoranda: | ||
| Average total assets | $2,287,679,330 | 377 |
| Average earning assets | $2,164,106,000 | 365 |
| Average equity | $213,284,330 | 451 |
| Average total loans | $1,747,748,330 | 369 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 2,954 |
| Cost of funding earning assets | 1.2168% | 858 |
| Net interest margin | 3.2592% | 4,255 |
| Noninterest income to average assets | 0.4627% | 2,785 |
| Noninterest expense to average assets | 1.8004% | 4,923 |
| Loan and lease loss provision to assets | 0.0665% | 2,336 |
| Net operating income to assets | 1.2544% | 1,870 |
| Return on assets (ROA) | 1.2596% | 1,894 |
| Pretax return on assets | 1.6932% | 1,228 |
| Return on Equity (ROE) | 13.5619% | 1,065 |
| Retained earnings to average equity (ytd only) | 12.7027% | 512 |
| Net charge-offs to loans | 0.0194% | 2,073 |
| Credit loss provision to net charge-offs | 441.1765% | 656 |
| Earnings coverage of net charge-offs (x) | 116.3059% | 604 |
| Efficiency ratio | 50.6637% | 4,778 |
| Assets per employee ($millions) | 12.1645% | 202 |
| Cash dividends to net income (ytd only)* | 6.3354% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 3,826 |
| Loan loss allowance to noncurrent loans | 253.8349% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 2,830 |
| Noncurrent loans to loans | 0.3857% | 3,202 |
| Net loans and leases to total assets | 77.3953% | 1,252 |
| Net loans and leases to deposits | 95.3399% | 1,030 |
| Net loans and leases to core deposits | 144.5373% | 153 |
| Total domestic deposits to total assets | 81.1783% | 3,935 |
| Equity capital to assets | 9.3697% | 4,364 |
| Core capital (leverage) ratio | 9.6346% | 3,988 |
| Tier 1 risk-based capital ratio | 15.0512% | 2,873 |
| Total risk-based capital ratio | 16.2810% | 2,794 |
| Memoranda: | ||
| Average total assets | $2,255,549,500 | 385 |
| Average earning assets | $2,139,047,500 | 370 |
| Average equity | $209,499,000 | 457 |
| Average total loans | $1,754,787,500 | 369 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 3,203 |
| Cost of funding earning assets | 1.0523% | 601 |
| Net interest margin | 3.2207% | 4,444 |
| Noninterest income to average assets | 0.5948% | 2,325 |
| Noninterest expense to average assets | 1.8358% | 4,968 |
| Loan and lease loss provision to assets | 0.0139% | 3,868 |
| Net operating income to assets | 1.3587% | 1,579 |
| Return on assets (ROA) | 1.3582% | 1,569 |
| Pretax return on assets | 1.8089% | 893 |
| Return on Equity (ROE) | 15.2994% | 768 |
| Retained earnings to average equity (ytd only) | 13.7741% | 180 |
| Net charge-offs to loans | -0.0105% | 4,505 |
| Credit loss provision to net charge-offs | -169.4915% | 4,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1703% | 4,931 |
| Assets per employee ($millions) | 12.0233% | 196 |
| Cash dividends to net income (ytd only)* | 9.9694% | 3,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 3,772 |
| Loan loss allowance to noncurrent loans | 348.1391% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 3,106 |
| Noncurrent loans to loans | 0.2840% | 3,548 |
| Net loans and leases to total assets | 76.6651% | 1,493 |
| Net loans and leases to deposits | 93.2196% | 1,373 |
| Net loans and leases to core deposits | 141.3995% | 189 |
| Total domestic deposits to total assets | 82.2414% | 3,574 |
| Equity capital to assets | 9.2052% | 4,401 |
| Core capital (leverage) ratio | 9.5582% | 4,048 |
| Tier 1 risk-based capital ratio | 14.6342% | 2,998 |
| Total risk-based capital ratio | 15.8481% | 2,941 |
| Memoranda: | ||
| Average total assets | $2,166,030,800 | 392 |
| Average earning assets | $2,060,820,200 | 376 |
| Average equity | $192,295,600 | 464 |
| Average total loans | $1,687,756,800 | 375 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2229% | 3,234 |
| Cost of funding earning assets | 1.0228% | 539 |
| Net interest margin | 3.2001% | 4,515 |
| Noninterest income to average assets | 0.6179% | 2,225 |
| Noninterest expense to average assets | 1.8247% | 5,009 |
| Loan and lease loss provision to assets | 0.0186% | 3,638 |
| Net operating income to assets | 1.3525% | 1,654 |
| Return on assets (ROA) | 1.3519% | 1,669 |
| Pretax return on assets | 1.8193% | 969 |
| Return on Equity (ROE) | 15.3766% | 811 |
| Retained earnings to average equity (ytd only) | 13.6239% | 291 |
| Net charge-offs to loans | -0.0134% | 4,478 |
| Credit loss provision to net charge-offs | -177.5148% | 4,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8094% | 4,953 |
| Assets per employee ($millions) | 11.8795% | 202 |
| Cash dividends to net income (ytd only)* | 11.3983% | 3,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9938% | 3,809 |
| Loan loss allowance to noncurrent loans | 233.6474% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 2,812 |
| Noncurrent loans to loans | 0.4253% | 3,134 |
| Net loans and leases to total assets | 78.4079% | 1,273 |
| Net loans and leases to deposits | 94.4929% | 1,323 |
| Net loans and leases to core deposits | 137.5420% | 230 |
| Total domestic deposits to total assets | 82.8695% | 3,353 |
| Equity capital to assets | 9.1355% | 4,436 |
| Core capital (leverage) ratio | 9.1991% | 4,511 |
| Tier 1 risk-based capital ratio | 14.2016% | 3,272 |
| Total risk-based capital ratio | 15.4218% | 3,199 |
| Memoranda: | ||
| Average total assets | $2,148,439,750 | 393 |
| Average earning assets | $2,044,687,750 | 377 |
| Average equity | $188,888,750 | 467 |
| Average total loans | $1,676,795,250 | 375 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1443% | 3,299 |
| Cost of funding earning assets | 0.9831% | 504 |
| Net interest margin | 3.1611% | 4,591 |
| Noninterest income to average assets | 0.5994% | 2,324 |
| Noninterest expense to average assets | 1.8116% | 5,078 |
| Loan and lease loss provision to assets | -0.0140% | 5,313 |
| Net operating income to assets | 1.3416% | 1,631 |
| Return on assets (ROA) | 1.3310% | 1,665 |
| Pretax return on assets | 1.8012% | 961 |
| Return on Equity (ROE) | 15.3417% | 785 |
| Retained earnings to average equity (ytd only) | 13.1516% | 360 |
| Net charge-offs to loans | 0.0006% | 3,197 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | 3,853.2000% | 15 |
| Efficiency ratio | 50.1527% | 5,019 |
| Assets per employee ($millions) | 12.1820% | 182 |
| Cash dividends to net income (ytd only)* | 14.2757% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,916 |
| Loan loss allowance to noncurrent loans | 219.5791% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.5014% | 2,749 |
| Noncurrent loans to loans | 0.4504% | 3,087 |
| Net loans and leases to total assets | 76.1155% | 1,619 |
| Net loans and leases to deposits | 91.7251% | 1,617 |
| Net loans and leases to core deposits | 132.2114% | 293 |
| Total domestic deposits to total assets | 82.8163% | 3,462 |
| Equity capital to assets | 8.8328% | 4,695 |
| Core capital (leverage) ratio | 9.0831% | 4,605 |
| Tier 1 risk-based capital ratio | 14.5353% | 3,101 |
| Total risk-based capital ratio | 15.7819% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,139,934,000 | 396 |
| Average earning assets | $2,039,577,000 | 380 |
| Average equity | $185,651,000 | 471 |
| Average total loans | $1,661,838,670 | 377 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0525% | 3,402 |
| Cost of funding earning assets | 0.9380% | 493 |
| Net interest margin | 3.1144% | 4,675 |
| Noninterest income to average assets | 0.5133% | 2,731 |
| Noninterest expense to average assets | 1.7323% | 5,217 |
| Loan and lease loss provision to assets | 0.0565% | 2,640 |
| Net operating income to assets | 1.2742% | 1,732 |
| Return on assets (ROA) | 1.2574% | 1,793 |
| Pretax return on assets | 1.6729% | 1,182 |
| Return on Equity (ROE) | 14.6285% | 871 |
| Retained earnings to average equity (ytd only) | 13.6434% | 443 |
| Net charge-offs to loans | -0.0012% | 3,768 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7380% | 5,096 |
| Assets per employee ($millions) | 12.3415% | 182 |
| Cash dividends to net income (ytd only)* | 6.7345% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,882 |
| Loan loss allowance to noncurrent loans | 286.6204% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 3,264 |
| Noncurrent loans to loans | 0.3529% | 3,505 |
| Net loans and leases to total assets | 76.7793% | 1,414 |
| Net loans and leases to deposits | 94.3305% | 1,199 |
| Net loans and leases to core deposits | 137.5883% | 240 |
| Total domestic deposits to total assets | 81.2202% | 4,149 |
| Equity capital to assets | 8.5959% | 4,903 |
| Core capital (leverage) ratio | 8.8396% | 4,856 |
| Tier 1 risk-based capital ratio | 14.1454% | 3,305 |
| Total risk-based capital ratio | 15.3959% | 3,225 |
| Memoranda: | ||
| Average total assets | $2,125,704,000 | 401 |
| Average earning assets | $2,026,816,500 | 385 |
| Average equity | $182,711,500 | 481 |
| Average total loans | $1,659,272,500 | 378 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 3,794 |
| Cost of funding earning assets | 0.8545% | 468 |
| Net interest margin | 3.0225% | 4,836 |
| Noninterest income to average assets | 0.6137% | 2,390 |
| Noninterest expense to average assets | 1.8356% | 5,211 |
| Loan and lease loss provision to assets | 0.0775% | 2,650 |
| Net operating income to assets | 0.8541% | 2,936 |
| Return on assets (ROA) | 0.8567% | 2,945 |
| Pretax return on assets | 1.5782% | 1,354 |
| Return on Equity (ROE) | 10.0688% | 1,854 |
| Retained earnings to average equity (ytd only) | 8.3196% | 663 |
| Net charge-offs to loans | 0.2534% | 1,033 |
| Credit loss provision to net charge-offs | 39.4175% | 3,443 |
| Earnings coverage of net charge-offs (x) | 8.4005% | 2,918 |
| Efficiency ratio | 51.5309% | 5,137 |
| Assets per employee ($millions) | 12.3766% | 166 |
| Cash dividends to net income (ytd only)* | 17.3725% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0126% | 3,862 |
| Loan loss allowance to noncurrent loans | 197.3319% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.5373% | 2,767 |
| Noncurrent loans to loans | 0.5132% | 2,977 |
| Net loans and leases to total assets | 77.7717% | 1,308 |
| Net loans and leases to deposits | 95.1590% | 1,161 |
| Net loans and leases to core deposits | 146.8190% | 148 |
| Total domestic deposits to total assets | 78.5690% | 4,630 |
| Equity capital to assets | 8.5948% | 5,047 |
| Core capital (leverage) ratio | 8.9421% | 4,713 |
| Tier 1 risk-based capital ratio | 13.7116% | 3,512 |
| Total risk-based capital ratio | 14.9618% | 3,430 |
| Memoranda: | ||
| Average total assets | $2,025,901,200 | 406 |
| Average earning assets | $1,925,993,000 | 391 |
| Average equity | $172,363,600 | 486 |
| Average total loans | $1,571,748,400 | 384 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 3,830 |
| Cost of funding earning assets | 0.8465% | 464 |
| Net interest margin | 3.0039% | 4,909 |
| Noninterest income to average assets | 0.6012% | 2,483 |
| Noninterest expense to average assets | 1.8257% | 5,242 |
| Loan and lease loss provision to assets | 0.1208% | 1,792 |
| Net operating income to assets | 0.9364% | 2,848 |
| Return on assets (ROA) | 0.9397% | 2,894 |
| Pretax return on assets | 1.5086% | 1,746 |
| Return on Equity (ROE) | 11.0746% | 1,668 |
| Retained earnings to average equity (ytd only) | 9.4107% | 732 |
| Net charge-offs to loans | 0.3222% | 652 |
| Credit loss provision to net charge-offs | 48.4687% | 2,927 |
| Earnings coverage of net charge-offs (x) | 6.5180% | 2,978 |
| Efficiency ratio | 52.9245% | 5,020 |
| Assets per employee ($millions) | 12.0792% | 180 |
| Cash dividends to net income (ytd only)* | 15.0251% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0661% | 3,695 |
| Loan loss allowance to noncurrent loans | 239.9972% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 2,920 |
| Noncurrent loans to loans | 0.4442% | 3,373 |
| Net loans and leases to total assets | 76.4625% | 1,508 |
| Net loans and leases to deposits | 94.0306% | 1,302 |
| Net loans and leases to core deposits | 138.6796% | 216 |
| Total domestic deposits to total assets | 78.3818% | 4,653 |
| Equity capital to assets | 8.5520% | 5,255 |
| Core capital (leverage) ratio | 9.0585% | 4,674 |
| Tier 1 risk-based capital ratio | 13.4076% | 3,759 |
| Total risk-based capital ratio | 14.6581% | 3,680 |
| Memoranda: | ||
| Average total assets | $2,009,464,500 | 411 |
| Average earning assets | $1,905,463,500 | 394 |
| Average equity | $170,511,500 | 495 |
| Average total loans | $1,553,847,500 | 384 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 3,705 |
| Cost of funding earning assets | 0.8469% | 412 |
| Net interest margin | 3.0074% | 4,898 |
| Noninterest income to average assets | 0.6555% | 2,181 |
| Noninterest expense to average assets | 1.9271% | 5,133 |
| Loan and lease loss provision to assets | 0.1983% | 933 |
| Net operating income to assets | 0.8663% | 3,093 |
| Return on assets (ROA) | 0.8716% | 3,113 |
| Pretax return on assets | 1.3899% | 2,062 |
| Return on Equity (ROE) | 10.2996% | 1,908 |
| Retained earnings to average equity (ytd only) | 8.2737% | 1,061 |
| Net charge-offs to loans | 0.6378% | 308 |
| Credit loss provision to net charge-offs | 40.2041% | 2,646 |
| Earnings coverage of net charge-offs (x) | 3.2027% | 3,078 |
| Efficiency ratio | 54.9518% | 4,929 |
| Assets per employee ($millions) | 11.7439% | 189 |
| Cash dividends to net income (ytd only)* | 19.6697% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 3,905 |
| Loan loss allowance to noncurrent loans | 414.7119% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4038% | 3,492 |
| Noncurrent loans to loans | 0.2506% | 4,136 |
| Net loans and leases to total assets | 76.4677% | 1,473 |
| Net loans and leases to deposits | 94.0020% | 1,260 |
| Net loans and leases to core deposits | 137.5689% | 209 |
| Total domestic deposits to total assets | 78.1576% | 4,786 |
| Equity capital to assets | 8.5628% | 5,258 |
| Core capital (leverage) ratio | 8.6637% | 5,075 |
| Tier 1 risk-based capital ratio | 13.6009% | 3,637 |
| Total risk-based capital ratio | 14.8512% | 3,559 |
| Memoranda: | ||
| Average total assets | $1,986,746,000 | 413 |
| Average earning assets | $1,883,615,670 | 398 |
| Average equity | $168,122,330 | 502 |
| Average total loans | $1,536,557,000 | 387 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 3,941 |
| Cost of funding earning assets | 0.8580% | 364 |
| Net interest margin | 2.8899% | 5,106 |
| Noninterest income to average assets | 0.5802% | 2,507 |
| Noninterest expense to average assets | 1.9123% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8896% | 2,817 |
| Return on assets (ROA) | 0.9067% | 2,783 |
| Pretax return on assets | 1.4476% | 1,703 |
| Return on Equity (ROE) | 10.7795% | 1,649 |
| Retained earnings to average equity (ytd only) | 9.9516% | 816 |
| Net charge-offs to loans | 0.5405% | 329 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3.3974% | 2,488 |
| Efficiency ratio | 57.3728% | 4,793 |
| Assets per employee ($millions) | 11.8145% | 179 |
| Cash dividends to net income (ytd only)* | 7.6803% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1063% | 3,682 |
| Loan loss allowance to noncurrent loans | 239.9774% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5606% | 2,992 |
| Noncurrent loans to loans | 0.4610% | 3,447 |
| Net loans and leases to total assets | 76.0562% | 1,409 |
| Net loans and leases to deposits | 93.3310% | 1,182 |
| Net loans and leases to core deposits | 138.1749% | 185 |
| Total domestic deposits to total assets | 78.6686% | 4,887 |
| Equity capital to assets | 8.4430% | 5,278 |
| Core capital (leverage) ratio | 8.4641% | 5,251 |
| Tier 1 risk-based capital ratio | 14.1139% | 3,403 |
| Total risk-based capital ratio | 15.3661% | 3,329 |
| Memoranda: | ||
| Average total assets | $1,976,014,000 | 417 |
| Average earning assets | $1,882,433,500 | 399 |
| Average equity | $166,204,000 | 502 |
| Average total loans | $1,528,957,000 | 389 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7161% | 4,167 |
| Cost of funding earning assets | 0.8761% | 337 |
| Net interest margin | 2.8400% | 5,220 |
| Noninterest income to average assets | 0.6575% | 2,380 |
| Noninterest expense to average assets | 1.9100% | 5,347 |
| Loan and lease loss provision to assets | 0.1798% | 1,329 |
| Net operating income to assets | 0.7774% | 3,417 |
| Return on assets (ROA) | 0.7828% | 3,486 |
| Pretax return on assets | 1.2507% | 2,469 |
| Return on Equity (ROE) | 9.5318% | 2,177 |
| Retained earnings to average equity (ytd only) | 8.1074% | 818 |
| Net charge-offs to loans | 0.0505% | 3,031 |
| Credit loss provision to net charge-offs | 453.7012% | 711 |
| Earnings coverage of net charge-offs (x) | 35.8843% | 1,271 |
| Efficiency ratio | 57.3203% | 4,924 |
| Assets per employee ($millions) | 11.5703% | 191 |
| Cash dividends to net income (ytd only)* | 14.9428% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 2,807 |
| Loan loss allowance to noncurrent loans | 159.2345% | 2,688 |
| Noncurrent assets plus other real estate owned to assets | 0.8463% | 2,232 |
| Noncurrent loans to loans | 0.7860% | 2,553 |
| Net loans and leases to total assets | 76.8800% | 1,381 |
| Net loans and leases to deposits | 95.8497% | 1,011 |
| Net loans and leases to core deposits | 137.7016% | 199 |
| Total domestic deposits to total assets | 78.5904% | 4,884 |
| Equity capital to assets | 8.3785% | 5,363 |
| Core capital (leverage) ratio | 8.3983% | 5,371 |
| Tier 1 risk-based capital ratio | 14.8342% | 3,035 |
| Total risk-based capital ratio | 16.0901% | 2,970 |
| Memoranda: | ||
| Average total assets | $1,874,798,200 | 416 |
| Average earning assets | $1,765,622,600 | 402 |
| Average equity | $153,969,600 | 515 |
| Average total loans | $1,469,949,800 | 379 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 4,309 |
| Cost of funding earning assets | 0.8771% | 327 |
| Net interest margin | 2.8053% | 5,351 |
| Noninterest income to average assets | 0.6149% | 2,590 |
| Noninterest expense to average assets | 1.9028% | 5,368 |
| Loan and lease loss provision to assets | 0.1633% | 1,405 |
| Net operating income to assets | 0.7343% | 3,673 |
| Return on assets (ROA) | 0.7358% | 3,800 |
| Pretax return on assets | 1.1800% | 2,916 |
| Return on Equity (ROE) | 9.0072% | 2,483 |
| Retained earnings to average equity (ytd only) | 7.3747% | 1,449 |
| Net charge-offs to loans | 0.0688% | 2,338 |
| Credit loss provision to net charge-offs | 302.1277% | 1,023 |
| Earnings coverage of net charge-offs (x) | 24.8059% | 1,657 |
| Efficiency ratio | 58.6597% | 4,726 |
| Assets per employee ($millions) | 11.5337% | 189 |
| Cash dividends to net income (ytd only)* | 18.1241% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 3,384 |
| Loan loss allowance to noncurrent loans | 88.7104% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2700% | 1,527 |
| Noncurrent loans to loans | 1.3275% | 1,669 |
| Net loans and leases to total assets | 78.1901% | 1,162 |
| Net loans and leases to deposits | 95.7469% | 1,075 |
| Net loans and leases to core deposits | 136.6318% | 222 |
| Total domestic deposits to total assets | 79.4374% | 4,630 |
| Equity capital to assets | 8.1468% | 5,689 |
| Core capital (leverage) ratio | 8.2173% | 5,559 |
| Tier 1 risk-based capital ratio | 13.5980% | 3,805 |
| Total risk-based capital ratio | 14.8563% | 3,709 |
| Memoranda: | ||
| Average total assets | $1,854,653,750 | 421 |
| Average earning assets | $1,738,042,750 | 409 |
| Average equity | $151,504,250 | 524 |
| Average total loans | $1,456,850,250 | 381 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 4,460 |
| Cost of funding earning assets | 0.8717% | 333 |
| Net interest margin | 2.7746% | 5,467 |
| Noninterest income to average assets | 0.4780% | 3,348 |
| Noninterest expense to average assets | 1.9246% | 5,410 |
| Loan and lease loss provision to assets | 0.0898% | 2,350 |
| Net operating income to assets | 0.6706% | 3,958 |
| Return on assets (ROA) | 0.6731% | 4,078 |
| Pretax return on assets | 1.0652% | 3,342 |
| Return on Equity (ROE) | 8.2325% | 2,868 |
| Retained earnings to average equity (ytd only) | 6.1884% | 2,022 |
| Net charge-offs to loans | 0.0740% | 2,125 |
| Credit loss provision to net charge-offs | 154.8023% | 1,553 |
| Earnings coverage of net charge-offs (x) | 19.8456% | 1,752 |
| Efficiency ratio | 62.5728% | 4,258 |
| Assets per employee ($millions) | 11.1031% | 199 |
| Cash dividends to net income (ytd only)* | 24.8296% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1291% | 3,788 |
| Loan loss allowance to noncurrent loans | 73.2655% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 1.4290% | 1,360 |
| Noncurrent loans to loans | 1.5411% | 1,399 |
| Net loans and leases to total assets | 78.4756% | 1,140 |
| Net loans and leases to deposits | 96.9837% | 965 |
| Net loans and leases to core deposits | 139.9965% | 184 |
| Total domestic deposits to total assets | 78.6355% | 4,867 |
| Equity capital to assets | 8.1813% | 5,740 |
| Core capital (leverage) ratio | 8.2038% | 5,600 |
| Tier 1 risk-based capital ratio | 13.9555% | 3,629 |
| Total risk-based capital ratio | 15.2144% | 3,548 |
| Memoranda: | ||
| Average total assets | $1,830,829,000 | 423 |
| Average earning assets | $1,714,122,670 | 412 |
| Average equity | $149,699,670 | 527 |
| Average total loans | $1,434,470,670 | 388 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6430% | 4,499 |
| Cost of funding earning assets | 0.8640% | 359 |
| Net interest margin | 2.7790% | 5,502 |
| Noninterest income to average assets | 0.5139% | 3,021 |
| Noninterest expense to average assets | 1.9017% | 5,522 |
| Loan and lease loss provision to assets | 0.1592% | 1,309 |
| Net operating income to assets | 0.6613% | 3,923 |
| Return on assets (ROA) | 0.6663% | 4,013 |
| Pretax return on assets | 1.0556% | 3,253 |
| Return on Equity (ROE) | 8.1513% | 2,831 |
| Retained earnings to average equity (ytd only) | 7.3931% | 1,710 |
| Net charge-offs to loans | 0.1284% | 1,334 |
| Credit loss provision to net charge-offs | 159.3819% | 1,231 |
| Earnings coverage of net charge-offs (x) | 12.0839% | 1,818 |
| Efficiency ratio | 61.1663% | 4,573 |
| Assets per employee ($millions) | 11.3040% | 184 |
| Cash dividends to net income (ytd only)* | 9.3016% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1629% | 3,698 |
| Loan loss allowance to noncurrent loans | 135.0400% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9435% | 2,348 |
| Noncurrent loans to loans | 0.8611% | 2,692 |
| Net loans and leases to total assets | 76.5421% | 1,314 |
| Net loans and leases to deposits | 94.6185% | 1,082 |
| Net loans and leases to core deposits | 139.7681% | 171 |
| Total domestic deposits to total assets | 77.8197% | 5,175 |
| Equity capital to assets | 8.0870% | 5,788 |
| Core capital (leverage) ratio | 8.2655% | 5,598 |
| Tier 1 risk-based capital ratio | 13.9793% | 3,713 |
| Total risk-based capital ratio | 15.2390% | 3,633 |
| Memoranda: | ||
| Average total assets | $1,813,579,000 | 423 |
| Average earning assets | $1,693,550,500 | 412 |
| Average equity | $148,245,500 | 532 |
| Average total loans | $1,411,433,000 | 390 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6370% | 4,569 |
| Cost of funding earning assets | 0.8412% | 391 |
| Net interest margin | 2.7958% | 5,520 |
| Noninterest income to average assets | 0.5727% | 2,882 |
| Noninterest expense to average assets | 1.9429% | 5,555 |
| Loan and lease loss provision to assets | 0.0618% | 3,067 |
| Net operating income to assets | 0.7545% | 3,551 |
| Return on assets (ROA) | 0.7541% | 3,647 |
| Pretax return on assets | 1.1860% | 2,711 |
| Return on Equity (ROE) | 9.0765% | 2,422 |
| Retained earnings to average equity (ytd only) | 8.3061% | 823 |
| Net charge-offs to loans | 0.0872% | 2,577 |
| Credit loss provision to net charge-offs | 90.4348% | 2,757 |
| Earnings coverage of net charge-offs (x) | 18.2817% | 2,022 |
| Efficiency ratio | 60.8827% | 4,775 |
| Assets per employee ($millions) | 11.0143% | 199 |
| Cash dividends to net income (ytd only)* | 8.4875% | 4,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1841% | 3,566 |
| Loan loss allowance to noncurrent loans | 154.3507% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 2,511 |
| Noncurrent loans to loans | 0.7672% | 2,873 |
| Net loans and leases to total assets | 77.3001% | 1,210 |
| Net loans and leases to deposits | 96.3752% | 975 |
| Net loans and leases to core deposits | 139.8243% | 166 |
| Total domestic deposits to total assets | 77.5937% | 5,231 |
| Equity capital to assets | 8.2654% | 5,728 |
| Core capital (leverage) ratio | 8.4181% | 5,509 |
| Tier 1 risk-based capital ratio | 14.5445% | 3,419 |
| Total risk-based capital ratio | 15.8029% | 3,328 |
| Memoranda: | ||
| Average total assets | $1,684,176,800 | 431 |
| Average earning assets | $1,577,390,800 | 419 |
| Average equity | $139,932,800 | 542 |
| Average total loans | $1,318,323,000 | 385 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6439% | 4,590 |
| Cost of funding earning assets | 0.8371% | 407 |
| Net interest margin | 2.8067% | 5,567 |
| Noninterest income to average assets | 0.6046% | 2,712 |
| Noninterest expense to average assets | 1.9494% | 5,568 |
| Loan and lease loss provision to assets | 0.0521% | 3,153 |
| Net operating income to assets | 0.7769% | 3,543 |
| Return on assets (ROA) | 0.7764% | 3,637 |
| Pretax return on assets | 1.2369% | 2,668 |
| Return on Equity (ROE) | 9.3310% | 2,400 |
| Retained earnings to average equity (ytd only) | 8.5587% | 1,042 |
| Net charge-offs to loans | 0.1142% | 1,983 |
| Credit loss provision to net charge-offs | 58.3483% | 2,930 |
| Earnings coverage of net charge-offs (x) | 14.4326% | 2,253 |
| Efficiency ratio | 60.1793% | 4,869 |
| Assets per employee ($millions) | 10.8230% | 207 |
| Cash dividends to net income (ytd only)* | 8.2773% | 3,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 3,573 |
| Loan loss allowance to noncurrent loans | 163.8161% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.8592% | 2,733 |
| Noncurrent loans to loans | 0.7409% | 3,110 |
| Net loans and leases to total assets | 76.4969% | 1,316 |
| Net loans and leases to deposits | 95.7015% | 1,036 |
| Net loans and leases to core deposits | 131.5698% | 260 |
| Total domestic deposits to total assets | 78.4928% | 5,089 |
| Equity capital to assets | 8.3508% | 5,800 |
| Core capital (leverage) ratio | 8.3796% | 5,644 |
| Tier 1 risk-based capital ratio | 14.7130% | 3,433 |
| Total risk-based capital ratio | 15.9744% | 3,372 |
| Memoranda: | ||
| Average total assets | $1,661,896,250 | 441 |
| Average earning assets | $1,560,022,000 | 426 |
| Average equity | $138,273,500 | 548 |
| Average total loans | $1,301,106,750 | 390 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6158% | 4,677 |
| Cost of funding earning assets | 0.8320% | 426 |
| Net interest margin | 2.7838% | 5,648 |
| Noninterest income to average assets | 0.6217% | 2,622 |
| Noninterest expense to average assets | 1.9673% | 5,595 |
| Loan and lease loss provision to assets | 0.0122% | 3,877 |
| Net operating income to assets | 0.7912% | 3,431 |
| Return on assets (ROA) | 0.7902% | 3,533 |
| Pretax return on assets | 1.2560% | 2,524 |
| Return on Equity (ROE) | 9.5098% | 2,299 |
| Retained earnings to average equity (ytd only) | 8.7421% | 1,012 |
| Net charge-offs to loans | 0.0499% | 2,711 |
| Credit loss provision to net charge-offs | 30.9598% | 2,917 |
| Earnings coverage of net charge-offs (x) | 32.3437% | 1,298 |
| Efficiency ratio | 60.7786% | 4,864 |
| Assets per employee ($millions) | 10.9028% | 202 |
| Cash dividends to net income (ytd only)* | 8.0732% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 3,615 |
| Loan loss allowance to noncurrent loans | 189.1362% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 3,037 |
| Noncurrent loans to loans | 0.6512% | 3,521 |
| Net loans and leases to total assets | 77.4036% | 1,151 |
| Net loans and leases to deposits | 97.2015% | 861 |
| Net loans and leases to core deposits | 134.7369% | 211 |
| Total domestic deposits to total assets | 77.0255% | 5,453 |
| Equity capital to assets | 8.2742% | 5,846 |
| Core capital (leverage) ratio | 8.4234% | 5,607 |
| Tier 1 risk-based capital ratio | 14.2554% | 3,790 |
| Total risk-based capital ratio | 15.5144% | 3,710 |
| Memoranda: | ||
| Average total assets | $1,645,848,670 | 443 |
| Average earning assets | $1,546,099,670 | 425 |
| Average equity | $136,764,000 | 555 |
| Average total loans | $1,293,409,330 | 394 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 4,518 |
| Cost of funding earning assets | 0.8216% | 443 |
| Net interest margin | 2.8334% | 5,583 |
| Noninterest income to average assets | 0.5163% | 3,180 |
| Noninterest expense to average assets | 1.9919% | 5,596 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7532% | 3,520 |
| Return on assets (ROA) | 0.7518% | 3,666 |
| Pretax return on assets | 1.1822% | 2,736 |
| Return on Equity (ROE) | 9.0275% | 2,429 |
| Retained earnings to average equity (ytd only) | 8.2939% | 1,457 |
| Net charge-offs to loans | 0.0711% | 2,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 21.1806% | 1,387 |
| Efficiency ratio | 62.7113% | 4,668 |
| Assets per employee ($millions) | 10.6908% | 219 |
| Cash dividends to net income (ytd only)* | 8.1258% | 2,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 3,607 |
| Loan loss allowance to noncurrent loans | 164.7707% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.9010% | 2,831 |
| Noncurrent loans to loans | 0.7677% | 3,337 |
| Net loans and leases to total assets | 77.8237% | 959 |
| Net loans and leases to deposits | 98.1421% | 670 |
| Net loans and leases to core deposits | 137.5338% | 173 |
| Total domestic deposits to total assets | 75.8342% | 5,751 |
| Equity capital to assets | 8.3621% | 5,828 |
| Core capital (leverage) ratio | 8.5235% | 5,499 |
| Tier 1 risk-based capital ratio | 14.4090% | 3,772 |
| Total risk-based capital ratio | 15.6705% | 3,688 |
| Memoranda: | ||
| Average total assets | $1,623,803,500 | 446 |
| Average earning assets | $1,524,386,000 | 431 |
| Average equity | $135,231,500 | 559 |
| Average total loans | $1,277,920,500 | 392 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6556% | 4,917 |
| Cost of funding earning assets | 0.8483% | 510 |
| Net interest margin | 2.8074% | 5,793 |
| Noninterest income to average assets | 0.6883% | 2,352 |
| Noninterest expense to average assets | 2.2060% | 5,344 |
| Loan and lease loss provision to assets | 0.0665% | 3,168 |
| Net operating income to assets | 0.6929% | 3,930 |
| Return on assets (ROA) | 0.7166% | 3,919 |
| Pretax return on assets | 1.1066% | 3,055 |
| Return on Equity (ROE) | 8.4884% | 2,851 |
| Retained earnings to average equity (ytd only) | 7.3337% | 1,259 |
| Net charge-offs to loans | 0.0892% | 3,215 |
| Credit loss provision to net charge-offs | 94.8767% | 2,538 |
| Earnings coverage of net charge-offs (x) | 16.2135% | 2,031 |
| Efficiency ratio | 66.0022% | 4,249 |
| Assets per employee ($millions) | 10.6047% | 209 |
| Cash dividends to net income (ytd only)* | 13.6030% | 4,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 3,393 |
| Loan loss allowance to noncurrent loans | 161.6738% | 2,643 |
| Noncurrent assets plus other real estate owned to assets | 1.0904% | 2,569 |
| Noncurrent loans to loans | 0.8075% | 3,292 |
| Net loans and leases to total assets | 77.5500% | 1,066 |
| Net loans and leases to deposits | 97.9769% | 760 |
| Net loans and leases to core deposits | 142.0362% | 149 |
| Total domestic deposits to total assets | 73.1343% | 6,005 |
| Equity capital to assets | 8.2935% | 5,896 |
| Core capital (leverage) ratio | 8.5834% | 5,465 |
| Tier 1 risk-based capital ratio | 16.7735% | 2,610 |
| Total risk-based capital ratio | 18.0405% | 2,551 |
| Memoranda: | ||
| Average total assets | $1,503,914,200 | 461 |
| Average earning assets | $1,421,718,600 | 443 |
| Average equity | $126,961,000 | 571 |
| Average total loans | $1,182,075,600 | 399 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6580% | 4,977 |
| Cost of funding earning assets | 0.8521% | 536 |
| Net interest margin | 2.8058% | 5,862 |
| Noninterest income to average assets | 0.7516% | 2,089 |
| Noninterest expense to average assets | 2.2993% | 5,107 |
| Loan and lease loss provision to assets | 0.0812% | 2,723 |
| Net operating income to assets | 0.6613% | 4,153 |
| Return on assets (ROA) | 0.6933% | 4,068 |
| Pretax return on assets | 1.0803% | 3,264 |
| Return on Equity (ROE) | 8.1735% | 3,117 |
| Retained earnings to average equity (ytd only) | 6.8527% | 1,903 |
| Net charge-offs to loans | 0.0896% | 2,933 |
| Credit loss provision to net charge-offs | 115.3846% | 1,967 |
| Earnings coverage of net charge-offs (x) | 15.7808% | 2,030 |
| Efficiency ratio | 67.4184% | 3,959 |
| Assets per employee ($millions) | 9.7215% | 265 |
| Cash dividends to net income (ytd only)* | 16.1589% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 3,241 |
| Loan loss allowance to noncurrent loans | 120.4585% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.3248% | 2,332 |
| Noncurrent loans to loans | 1.1514% | 2,752 |
| Net loans and leases to total assets | 77.3518% | 1,049 |
| Net loans and leases to deposits | 98.4720% | 702 |
| Net loans and leases to core deposits | 133.1913% | 202 |
| Total domestic deposits to total assets | 76.8903% | 5,692 |
| Equity capital to assets | 8.3738% | 5,891 |
| Core capital (leverage) ratio | 8.3616% | 5,792 |
| Tier 1 risk-based capital ratio | 17.4928% | 2,400 |
| Total risk-based capital ratio | 18.7628% | 2,353 |
| Memoranda: | ||
| Average total assets | $1,476,915,750 | 469 |
| Average earning assets | $1,399,581,250 | 447 |
| Average equity | $125,280,250 | 577 |
| Average total loans | $1,160,951,750 | 400 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6361% | 5,052 |
| Cost of funding earning assets | 0.8401% | 582 |
| Net interest margin | 2.7960% | 5,918 |
| Noninterest income to average assets | 0.7064% | 2,253 |
| Noninterest expense to average assets | 2.2701% | 5,230 |
| Loan and lease loss provision to assets | 0.1235% | 1,998 |
| Net operating income to assets | 0.6230% | 4,233 |
| Return on assets (ROA) | 0.6720% | 4,078 |
| Pretax return on assets | 1.0510% | 3,278 |
| Return on Equity (ROE) | 7.8862% | 3,165 |
| Retained earnings to average equity (ytd only) | 6.2497% | 2,185 |
| Net charge-offs to loans | 0.1420% | 2,252 |
| Credit loss provision to net charge-offs | 110.5651% | 1,816 |
| Earnings coverage of net charge-offs (x) | 9.8256% | 2,313 |
| Efficiency ratio | 67.4057% | 4,131 |
| Assets per employee ($millions) | 9.5064% | 277 |
| Cash dividends to net income (ytd only)* | 20.7516% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4069% | 3,313 |
| Loan loss allowance to noncurrent loans | 124.5500% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.4884% | 2,192 |
| Noncurrent loans to loans | 1.1296% | 2,964 |
| Net loans and leases to total assets | 78.2992% | 874 |
| Net loans and leases to deposits | 100.0571% | 556 |
| Net loans and leases to core deposits | 143.9818% | 119 |
| Total domestic deposits to total assets | 72.8827% | 6,193 |
| Equity capital to assets | 8.4496% | 5,841 |
| Core capital (leverage) ratio | 8.3535% | 5,796 |
| Tier 1 risk-based capital ratio | 17.2790% | 2,508 |
| Total risk-based capital ratio | 18.5518% | 2,457 |
| Memoranda: | ||
| Average total assets | $1,457,222,330 | 471 |
| Average earning assets | $1,387,032,000 | 449 |
| Average equity | $124,166,670 | 581 |
| Average total loans | $1,146,325,330 | 403 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 5,193 |
| Cost of funding earning assets | 0.8296% | 642 |
| Net interest margin | 2.7621% | 6,013 |
| Noninterest income to average assets | 0.6846% | 2,260 |
| Noninterest expense to average assets | 2.2104% | 5,436 |
| Loan and lease loss provision to assets | 0.1334% | 1,816 |
| Net operating income to assets | 0.6220% | 4,089 |
| Return on assets (ROA) | 0.6213% | 4,173 |
| Pretax return on assets | 0.9720% | 3,434 |
| Return on Equity (ROE) | 7.2601% | 3,326 |
| Retained earnings to average equity (ytd only) | 6.5295% | 2,267 |
| Net charge-offs to loans | 0.1803% | 1,639 |
| Credit loss provision to net charge-offs | 94.4882% | 1,756 |
| Earnings coverage of net charge-offs (x) | 7.8366% | 2,085 |
| Efficiency ratio | 66.6471% | 4,422 |
| Assets per employee ($millions) | 9.4489% | 289 |
| Cash dividends to net income (ytd only)* | 10.0626% | 2,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4543% | 3,354 |
| Loan loss allowance to noncurrent loans | 86.5082% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.5758% | 2,239 |
| Noncurrent loans to loans | 1.6811% | 2,309 |
| Net loans and leases to total assets | 77.1244% | 869 |
| Net loans and leases to deposits | 99.7667% | 443 |
| Net loans and leases to core deposits | 138.2218% | 136 |
| Total domestic deposits to total assets | 74.6658% | 6,189 |
| Equity capital to assets | 8.5558% | 5,593 |
| Core capital (leverage) ratio | 8.4899% | 5,657 |
| Tier 1 risk-based capital ratio | 16.7972% | 2,775 |
| Total risk-based capital ratio | 18.0693% | 2,732 |
| Memoranda: | ||
| Average total assets | $1,439,577,500 | 476 |
| Average earning assets | $1,371,718,500 | 455 |
| Average equity | $123,194,000 | 584 |
| Average total loans | $1,126,837,500 | 407 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 5,353 |
| Cost of funding earning assets | 0.8830% | 806 |
| Net interest margin | 2.7388% | 6,089 |
| Noninterest income to average assets | 0.8845% | 1,737 |
| Noninterest expense to average assets | 2.3383% | 5,260 |
| Loan and lease loss provision to assets | 0.1480% | 2,434 |
| Net operating income to assets | 0.6445% | 4,056 |
| Return on assets (ROA) | 0.5788% | 4,477 |
| Pretax return on assets | 0.9014% | 3,760 |
| Return on Equity (ROE) | 6.6091% | 3,772 |
| Retained earnings to average equity (ytd only) | 5.3500% | 2,384 |
| Net charge-offs to loans | 0.2762% | 2,322 |
| Credit loss provision to net charge-offs | 68.4463% | 3,346 |
| Earnings coverage of net charge-offs (x) | 5.3251% | 3,328 |
| Efficiency ratio | 67.0024% | 4,371 |
| Assets per employee ($millions) | 9.3685% | 287 |
| Cash dividends to net income (ytd only)* | 19.0513% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4881% | 3,253 |
| Loan loss allowance to noncurrent loans | 71.0401% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.7298% | 2,135 |
| Noncurrent loans to loans | 2.0947% | 1,893 |
| Net loans and leases to total assets | 77.1238% | 935 |
| Net loans and leases to deposits | 100.5028% | 459 |
| Net loans and leases to core deposits | 142.3505% | 128 |
| Total domestic deposits to total assets | 73.2689% | 6,332 |
| Equity capital to assets | 8.5596% | 5,515 |
| Core capital (leverage) ratio | 8.5059% | 5,665 |
| Tier 1 risk-based capital ratio | 16.7407% | 2,744 |
| Total risk-based capital ratio | 18.0133% | 2,685 |
| Memoranda: | ||
| Average total assets | $1,351,189,800 | 493 |
| Average earning assets | $1,285,396,200 | 477 |
| Average equity | $118,336,000 | 603 |
| Average total loans | $1,057,806,400 | 414 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6245% | 5,376 |
| Cost of funding earning assets | 0.8940% | 837 |
| Net interest margin | 2.7305% | 6,119 |
| Noninterest income to average assets | 0.8817% | 1,816 |
| Noninterest expense to average assets | 2.3870% | 5,061 |
| Loan and lease loss provision to assets | 0.1750% | 2,081 |
| Net operating income to assets | 0.6107% | 4,306 |
| Return on assets (ROA) | 0.5693% | 4,624 |
| Pretax return on assets | 0.8539% | 4,079 |
| Return on Equity (ROE) | 6.4617% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.0257% | 3,060 |
| Net charge-offs to loans | 0.2866% | 2,105 |
| Credit loss provision to net charge-offs | 78.0205% | 2,893 |
| Earnings coverage of net charge-offs (x) | 4.8596% | 3,340 |
| Efficiency ratio | 68.6457% | 3,968 |
| Assets per employee ($millions) | 8.9311% | 317 |
| Cash dividends to net income (ytd only)* | 22.2241% | 3,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5791% | 3,105 |
| Loan loss allowance to noncurrent loans | 65.5902% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 2.0416% | 1,976 |
| Noncurrent loans to loans | 2.4075% | 1,821 |
| Net loans and leases to total assets | 77.6321% | 794 |
| Net loans and leases to deposits | 101.0778% | 426 |
| Net loans and leases to core deposits | 148.8708% | 97 |
| Total domestic deposits to total assets | 71.7105% | 6,512 |
| Equity capital to assets | 8.7771% | 5,441 |
| Core capital (leverage) ratio | 8.6556% | 5,593 |
| Tier 1 risk-based capital ratio | 17.3147% | 2,576 |
| Total risk-based capital ratio | 18.5925% | 2,538 |
| Memoranda: | ||
| Average total assets | $1,332,982,750 | 500 |
| Average earning assets | $1,267,081,750 | 481 |
| Average equity | $117,447,500 | 611 |
| Average total loans | $1,043,546,250 | 416 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 5,411 |
| Cost of funding earning assets | 0.8923% | 937 |
| Net interest margin | 2.7157% | 6,156 |
| Noninterest income to average assets | 0.8724% | 1,914 |
| Noninterest expense to average assets | 2.2970% | 5,379 |
| Loan and lease loss provision to assets | 0.2270% | 1,664 |
| Net operating income to assets | 0.5942% | 4,315 |
| Return on assets (ROA) | 0.5439% | 4,751 |
| Pretax return on assets | 0.8497% | 4,116 |
| Return on Equity (ROE) | 6.1654% | 4,065 |
| Retained earnings to average equity (ytd only) | 4.3818% | 3,487 |
| Net charge-offs to loans | 0.2955% | 2,003 |
| Credit loss provision to net charge-offs | 98.3607% | 2,278 |
| Earnings coverage of net charge-offs (x) | 5.0046% | 2,985 |
| Efficiency ratio | 66.5454% | 4,441 |
| Assets per employee ($millions) | 9.0562% | 297 |
| Cash dividends to net income (ytd only)* | 28.9291% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 2,902 |
| Loan loss allowance to noncurrent loans | 59.3558% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 2.4521% | 1,731 |
| Noncurrent loans to loans | 2.8118% | 1,609 |
| Net loans and leases to total assets | 76.3573% | 944 |
| Net loans and leases to deposits | 99.9276% | 431 |
| Net loans and leases to core deposits | 144.8583% | 112 |
| Total domestic deposits to total assets | 71.7783% | 6,571 |
| Equity capital to assets | 8.7412% | 5,499 |
| Core capital (leverage) ratio | 8.5865% | 5,572 |
| Tier 1 risk-based capital ratio | 16.5065% | 2,937 |
| Total risk-based capital ratio | 17.7860% | 2,877 |
| Memoranda: | ||
| Average total assets | $1,321,824,330 | 500 |
| Average earning assets | $1,255,434,670 | 483 |
| Average equity | $116,618,330 | 616 |
| Average total loans | $1,032,118,330 | 419 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6178% | 5,397 |
| Cost of funding earning assets | 0.8922% | 1,022 |
| Net interest margin | 2.7256% | 6,176 |
| Noninterest income to average assets | 0.8394% | 1,963 |
| Noninterest expense to average assets | 2.3436% | 5,288 |
| Loan and lease loss provision to assets | 0.3058% | 1,121 |
| Net operating income to assets | 0.4997% | 4,665 |
| Return on assets (ROA) | 0.4991% | 4,823 |
| Pretax return on assets | 0.7761% | 4,270 |
| Return on Equity (ROE) | 5.6299% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.6299% | 2,876 |
| Net charge-offs to loans | 0.2710% | 1,873 |
| Credit loss provision to net charge-offs | 144.0922% | 1,407 |
| Earnings coverage of net charge-offs (x) | 5.1009% | 2,411 |
| Efficiency ratio | 68.4041% | 4,238 |
| Assets per employee ($millions) | 8.7629% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7177% | 2,933 |
| Loan loss allowance to noncurrent loans | 65.3309% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.2284% | 2,092 |
| Noncurrent loans to loans | 2.6293% | 1,956 |
| Net loans and leases to total assets | 78.0857% | 602 |
| Net loans and leases to deposits | 104.8584% | 216 |
| Net loans and leases to core deposits | 151.7605% | 86 |
| Total domestic deposits to total assets | 70.1558% | 6,755 |
| Equity capital to assets | 8.9582% | 5,544 |
| Core capital (leverage) ratio | 8.5369% | 5,536 |
| Tier 1 risk-based capital ratio | 16.1779% | 3,168 |
| Total risk-based capital ratio | 17.4631% | 3,096 |
| Memoranda: | ||
| Average total assets | $1,308,050,000 | 509 |
| Average earning assets | $1,241,418,500 | 488 |
| Average equity | $115,952,000 | 626 |
| Average total loans | $1,024,261,000 | 422 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7478% | 5,952 |
| Cost of funding earning assets | 0.9403% | 1,706 |
| Net interest margin | 2.8075% | 6,377 |
| Noninterest income to average assets | 0.7889% | 2,307 |
| Noninterest expense to average assets | 2.4286% | 5,328 |
| Loan and lease loss provision to assets | 0.5737% | 974 |
| Net operating income to assets | 0.3387% | 5,332 |
| Return on assets (ROA) | 0.3310% | 5,573 |
| Pretax return on assets | 0.4262% | 5,499 |
| Return on Equity (ROE) | 3.7874% | 5,233 |
| Retained earnings to average equity (ytd only) | 3.7874% | 3,547 |
| Net charge-offs to loans | 0.4513% | 2,427 |
| Credit loss provision to net charge-offs | 163.7509% | 1,642 |
| Earnings coverage of net charge-offs (x) | 2.8817% | 3,993 |
| Efficiency ratio | 70.6374% | 3,687 |
| Assets per employee ($millions) | 8.8543% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 2,810 |
| Loan loss allowance to noncurrent loans | 51.7233% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 2.8013% | 1,711 |
| Noncurrent loans to loans | 3.3485% | 1,520 |
| Net loans and leases to total assets | 75.8261% | 941 |
| Net loans and leases to deposits | 105.7799% | 231 |
| Net loans and leases to core deposits | 159.6837% | 81 |
| Total domestic deposits to total assets | 65.9165% | 6,901 |
| Equity capital to assets | 8.7711% | 5,769 |
| Core capital (leverage) ratio | 8.5803% | 5,490 |
| Tier 1 risk-based capital ratio | 16.4809% | 2,906 |
| Total risk-based capital ratio | 17.7684% | 2,855 |
| Memoranda: | ||
| Average total assets | $1,223,736,000 | 535 |
| Average earning assets | $1,154,748,000 | 514 |
| Average equity | $106,960,400 | 666 |
| Average total loans | $949,930,400 | 439 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 6,050 |
| Cost of funding earning assets | 0.9476% | 1,865 |
| Net interest margin | 2.8413% | 6,447 |
| Noninterest income to average assets | 0.8128% | 2,180 |
| Noninterest expense to average assets | 2.4448% | 5,253 |
| Loan and lease loss provision to assets | 0.7099% | 714 |
| Net operating income to assets | 0.2713% | 5,712 |
| Return on assets (ROA) | 0.3234% | 5,733 |
| Pretax return on assets | 0.4023% | 5,712 |
| Return on Equity (ROE) | 3.7040% | 5,407 |
| Retained earnings to average equity (ytd only) | 3.7040% | 4,280 |
| Net charge-offs to loans | 0.5154% | 2,064 |
| Credit loss provision to net charge-offs | 177.1381% | 1,571 |
| Earnings coverage of net charge-offs (x) | 2.6122% | 3,994 |
| Efficiency ratio | 70.0191% | 3,680 |
| Assets per employee ($millions) | 8.5829% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 2,813 |
| Loan loss allowance to noncurrent loans | 46.6079% | 5,308 |
| Noncurrent assets plus other real estate owned to assets | 3.1293% | 1,655 |
| Noncurrent loans to loans | 3.8532% | 1,359 |
| Net loans and leases to total assets | 76.6577% | 880 |
| Net loans and leases to deposits | 108.0620% | 193 |
| Net loans and leases to core deposits | 163.6874% | 74 |
| Total domestic deposits to total assets | 66.5444% | 6,965 |
| Equity capital to assets | 9.0014% | 5,826 |
| Core capital (leverage) ratio | 8.7214% | 5,443 |
| Tier 1 risk-based capital ratio | 16.6051% | 2,938 |
| Total risk-based capital ratio | 17.8918% | 2,892 |
| Memoranda: | ||
| Average total assets | $1,202,061,500 | 547 |
| Average earning assets | $1,133,361,000 | 531 |
| Average equity | $104,965,500 | 679 |
| Average total loans | $934,622,000 | 441 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 6,173 |
| Cost of funding earning assets | 0.9528% | 2,045 |
| Net interest margin | 2.8334% | 6,527 |
| Noninterest income to average assets | 0.8049% | 2,158 |
| Noninterest expense to average assets | 2.4551% | 5,279 |
| Loan and lease loss provision to assets | 0.6920% | 800 |
| Net operating income to assets | 0.2418% | 5,788 |
| Return on assets (ROA) | 0.2395% | 5,986 |
| Pretax return on assets | 0.3229% | 5,915 |
| Return on Equity (ROE) | 2.7727% | 5,776 |
| Retained earnings to average equity (ytd only) | 2.7727% | 4,773 |
| Net charge-offs to loans | 0.5978% | 1,816 |
| Credit loss provision to net charge-offs | 149.0909% | 1,858 |
| Earnings coverage of net charge-offs (x) | 2.1931% | 3,888 |
| Efficiency ratio | 70.6920% | 3,653 |
| Assets per employee ($millions) | 8.2257% | 426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6920% | 3,255 |
| Loan loss allowance to noncurrent loans | 38.7992% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 3.5233% | 1,511 |
| Noncurrent loans to loans | 4.3609% | 1,229 |
| Net loans and leases to total assets | 78.0364% | 715 |
| Net loans and leases to deposits | 106.0971% | 232 |
| Net loans and leases to core deposits | 139.1567% | 155 |
| Total domestic deposits to total assets | 68.3976% | 6,980 |
| Equity capital to assets | 8.8920% | 5,815 |
| Core capital (leverage) ratio | 8.4235% | 5,758 |
| Tier 1 risk-based capital ratio | 15.4991% | 3,439 |
| Total risk-based capital ratio | 16.7815% | 3,384 |
| Memoranda: | ||
| Average total assets | $1,185,047,330 | 562 |
| Average earning assets | $1,115,887,670 | 537 |
| Average equity | $102,355,000 | 695 |
| Average total loans | $920,106,670 | 453 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7782% | 6,300 |
| Cost of funding earning assets | 0.9543% | 2,277 |
| Net interest margin | 2.8239% | 6,596 |
| Noninterest income to average assets | 0.8152% | 2,088 |
| Noninterest expense to average assets | 2.3726% | 5,564 |
| Loan and lease loss provision to assets | 0.7646% | 656 |
| Net operating income to assets | 0.2250% | 5,905 |
| Return on assets (ROA) | 0.2216% | 6,061 |
| Pretax return on assets | 0.3259% | 5,919 |
| Return on Equity (ROE) | 2.6044% | 5,864 |
| Retained earnings to average equity (ytd only) | 2.6044% | 4,956 |
| Net charge-offs to loans | 0.7827% | 1,313 |
| Credit loss provision to net charge-offs | 127.2624% | 1,895 |
| Earnings coverage of net charge-offs (x) | 1.8230% | 3,427 |
| Efficiency ratio | 68.4174% | 4,089 |
| Assets per employee ($millions) | 7.9197% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6512% | 3,534 |
| Loan loss allowance to noncurrent loans | 43.6969% | 5,425 |
| Noncurrent assets plus other real estate owned to assets | 3.1540% | 1,835 |
| Noncurrent loans to loans | 3.7788% | 1,637 |
| Net loans and leases to total assets | 77.0338% | 695 |
| Net loans and leases to deposits | 106.9285% | 188 |
| Net loans and leases to core deposits | 138.3682% | 156 |
| Total domestic deposits to total assets | 67.4026% | 7,070 |
| Equity capital to assets | 8.5570% | 6,034 |
| Core capital (leverage) ratio | 8.0183% | 6,244 |
| Tier 1 risk-based capital ratio | 15.7052% | 3,336 |
| Total risk-based capital ratio | 16.9862% | 3,289 |
| Memoranda: | ||
| Average total assets | $1,177,097,000 | 567 |
| Average earning assets | $1,105,720,000 | 547 |
| Average equity | $100,138,500 | 714 |
| Average total loans | $903,506,500 | 458 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6409% | 6,904 |
| Cost of funding earning assets | 0.9950% | 3,416 |
| Net interest margin | 2.6459% | 6,973 |
| Noninterest income to average assets | 1.0202% | 1,306 |
| Noninterest expense to average assets | 2.5855% | 5,149 |
| Loan and lease loss provision to assets | 0.8929% | 1,077 |
| Net operating income to assets | 0.0600% | 5,946 |
| Return on assets (ROA) | 0.0879% | 6,009 |
| Pretax return on assets | 0.0526% | 6,044 |
| Return on Equity (ROE) | 1.0110% | 5,964 |
| Retained earnings to average equity (ytd only) | 1.0110% | 5,391 |
| Net charge-offs to loans | 1.0574% | 1,635 |
| Credit loss provision to net charge-offs | 112.5345% | 2,935 |
| Earnings coverage of net charge-offs (x) | 1.1565% | 4,924 |
| Efficiency ratio | 73.8069% | 3,267 |
| Assets per employee ($millions) | 7.8803% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 3,298 |
| Loan loss allowance to noncurrent loans | 46.0608% | 5,249 |
| Noncurrent assets plus other real estate owned to assets | 2.9199% | 2,065 |
| Noncurrent loans to loans | 3.6351% | 1,749 |
| Net loans and leases to total assets | 73.9206% | 1,287 |
| Net loans and leases to deposits | 101.9695% | 380 |
| Net loans and leases to core deposits | 137.2516% | 184 |
| Total domestic deposits to total assets | 66.0878% | 7,127 |
| Equity capital to assets | 8.4573% | 6,195 |
| Core capital (leverage) ratio | 8.2233% | 5,956 |
| Tier 1 risk-based capital ratio | 15.8780% | 3,108 |
| Total risk-based capital ratio | 17.1567% | 3,054 |
| Memoranda: | ||
| Average total assets | $1,141,274,600 | 571 |
| Average earning assets | $1,070,976,400 | 545 |
| Average equity | $99,204,200 | 693 |
| Average total loans | $856,382,400 | 491 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6188% | 7,003 |
| Cost of funding earning assets | 0.9995% | 3,678 |
| Net interest margin | 2.6193% | 7,058 |
| Noninterest income to average assets | 1.0765% | 1,159 |
| Noninterest expense to average assets | 2.6865% | 4,782 |
| Loan and lease loss provision to assets | 0.8908% | 1,014 |
| Net operating income to assets | 0.0226% | 6,124 |
| Return on assets (ROA) | 0.0686% | 6,143 |
| Pretax return on assets | 0.0038% | 6,227 |
| Return on Equity (ROE) | 0.7837% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.7837% | 5,699 |
| Net charge-offs to loans | 1.2045% | 1,301 |
| Credit loss provision to net charge-offs | 98.6062% | 3,466 |
| Earnings coverage of net charge-offs (x) | 0.9393% | 4,919 |
| Efficiency ratio | 75.9961% | 2,837 |
| Assets per employee ($millions) | 7.5280% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5361% | 3,930 |
| Loan loss allowance to noncurrent loans | 49.5534% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 2.6549% | 2,435 |
| Noncurrent loans to loans | 3.0999% | 2,238 |
| Net loans and leases to total assets | 75.3431% | 1,085 |
| Net loans and leases to deposits | 103.3710% | 335 |
| Net loans and leases to core deposits | 135.5026% | 201 |
| Total domestic deposits to total assets | 66.7439% | 7,178 |
| Equity capital to assets | 8.6515% | 6,142 |
| Core capital (leverage) ratio | 8.1699% | 6,165 |
| Tier 1 risk-based capital ratio | 15.7554% | 3,248 |
| Total risk-based capital ratio | 17.0349% | 3,189 |
| Memoranda: | ||
| Average total assets | $1,133,053,250 | 586 |
| Average earning assets | $1,063,526,250 | 561 |
| Average equity | $99,179,750 | 697 |
| Average total loans | $849,796,500 | 497 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5933% | 7,103 |
| Cost of funding earning assets | 0.9937% | 3,987 |
| Net interest margin | 2.5996% | 7,121 |
| Noninterest income to average assets | 1.1351% | 1,005 |
| Noninterest expense to average assets | 2.7774% | 4,517 |
| Loan and lease loss provision to assets | 0.8049% | 1,142 |
| Net operating income to assets | 0.0162% | 6,201 |
| Return on assets (ROA) | 0.0408% | 6,226 |
| Pretax return on assets | 0.0156% | 6,247 |
| Return on Equity (ROE) | 0.4645% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.4645% | 5,663 |
| Net charge-offs to loans | 1.2916% | 1,199 |
| Credit loss provision to net charge-offs | 83.6716% | 3,658 |
| Earnings coverage of net charge-offs (x) | 0.8273% | 4,682 |
| Efficiency ratio | 77.7270% | 2,754 |
| Assets per employee ($millions) | 7.6311% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4874% | 4,190 |
| Loan loss allowance to noncurrent loans | 40.4617% | 5,627 |
| Noncurrent assets plus other real estate owned to assets | 3.1256% | 2,144 |
| Noncurrent loans to loans | 3.6761% | 1,914 |
| Net loans and leases to total assets | 73.8313% | 1,445 |
| Net loans and leases to deposits | 101.8314% | 406 |
| Net loans and leases to core deposits | 135.2699% | 221 |
| Total domestic deposits to total assets | 65.0650% | 7,285 |
| Equity capital to assets | 8.7207% | 5,914 |
| Core capital (leverage) ratio | 8.9248% | 4,838 |
| Tier 1 risk-based capital ratio | 16.0725% | 2,945 |
| Total risk-based capital ratio | 17.3439% | 2,902 |
| Memoranda: | ||
| Average total assets | $1,126,811,000 | 594 |
| Average earning assets | $1,056,860,330 | 570 |
| Average equity | $99,024,330 | 697 |
| Average total loans | $839,287,000 | 511 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5722% | 7,158 |
| Cost of funding earning assets | 0.9945% | 4,239 |
| Net interest margin | 2.5777% | 7,139 |
| Noninterest income to average assets | 1.1472% | 992 |
| Noninterest expense to average assets | 2.6983% | 4,842 |
| Loan and lease loss provision to assets | 0.8051% | 1,048 |
| Net operating income to assets | 0.0666% | 6,191 |
| Return on assets (ROA) | 0.0766% | 6,210 |
| Pretax return on assets | 0.0680% | 6,241 |
| Return on Equity (ROE) | 0.8679% | 6,171 |
| Retained earnings to average equity (ytd only) | 0.8679% | 5,480 |
| Net charge-offs to loans | 1.4497% | 938 |
| Credit loss provision to net charge-offs | 74.8005% | 3,265 |
| Earnings coverage of net charge-offs (x) | 0.8019% | 4,041 |
| Efficiency ratio | 75.7661% | 3,191 |
| Assets per employee ($millions) | 7.3802% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5049% | 4,182 |
| Loan loss allowance to noncurrent loans | 41.3138% | 5,546 |
| Noncurrent assets plus other real estate owned to assets | 3.1652% | 2,176 |
| Noncurrent loans to loans | 3.6425% | 2,035 |
| Net loans and leases to total assets | 75.6871% | 1,072 |
| Net loans and leases to deposits | 104.1038% | 311 |
| Net loans and leases to core deposits | 137.4522% | 212 |
| Total domestic deposits to total assets | 66.5226% | 7,314 |
| Equity capital to assets | 8.8871% | 5,369 |
| Core capital (leverage) ratio | 8.9004% | 4,772 |
| Tier 1 risk-based capital ratio | 16.8005% | 2,547 |
| Total risk-based capital ratio | 18.0808% | 2,503 |
| Memoranda: | ||
| Average total assets | $1,117,887,500 | 605 |
| Average earning assets | $1,046,979,500 | 577 |
| Average equity | $98,625,500 | 689 |
| Average total loans | $829,992,500 | 528 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 7,304 |
| Cost of funding earning assets | 1.1160% | 5,046 |
| Net interest margin | 2.5874% | 7,216 |
| Noninterest income to average assets | 1.2665% | 920 |
| Noninterest expense to average assets | 2.8743% | 4,336 |
| Loan and lease loss provision to assets | 1.1853% | 1,330 |
| Net operating income to assets | -0.1655% | 6,070 |
| Return on assets (ROA) | 0.0751% | 5,782 |
| Pretax return on assets | -0.0055% | 5,906 |
| Return on Equity (ROE) | 0.8564% | 5,735 |
| Retained earnings to average equity (ytd only) | 0.8564% | 5,119 |
| Net charge-offs to loans | 1.2487% | 1,797 |
| Credit loss provision to net charge-offs | 132.3482% | 2,971 |
| Earnings coverage of net charge-offs (x) | 0.8961% | 5,219 |
| Efficiency ratio | 78.1739% | 2,679 |
| Assets per employee ($millions) | 7.6806% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6979% | 3,223 |
| Loan loss allowance to noncurrent loans | 42.1220% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 3.2592% | 2,167 |
| Noncurrent loans to loans | 4.0309% | 1,798 |
| Net loans and leases to total assets | 70.4488% | 2,419 |
| Net loans and leases to deposits | 98.4735% | 679 |
| Net loans and leases to core deposits | 129.5220% | 336 |
| Total domestic deposits to total assets | 65.4256% | 7,406 |
| Equity capital to assets | 8.7583% | 5,499 |
| Core capital (leverage) ratio | 9.4322% | 3,798 |
| Tier 1 risk-based capital ratio | 17.0917% | 2,318 |
| Total risk-based capital ratio | 18.3749% | 2,273 |
| Memoranda: | ||
| Average total assets | $1,038,993,800 | 651 |
| Average earning assets | $967,867,200 | 618 |
| Average equity | $91,077,000 | 736 |
| Average total loans | $745,182,800 | 585 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7735% | 7,420 |
| Cost of funding earning assets | 1.1471% | 5,168 |
| Net interest margin | 2.6264% | 7,293 |
| Noninterest income to average assets | 1.3154% | 792 |
| Noninterest expense to average assets | 2.8854% | 4,148 |
| Loan and lease loss provision to assets | 1.2058% | 1,184 |
| Net operating income to assets | -0.2756% | 6,406 |
| Return on assets (ROA) | 0.1184% | 5,885 |
| Pretax return on assets | 0.0615% | 5,986 |
| Return on Equity (ROE) | 1.3498% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.3498% | 5,269 |
| Net charge-offs to loans | 1.4252% | 1,428 |
| Credit loss provision to net charge-offs | 117.9408% | 3,516 |
| Earnings coverage of net charge-offs (x) | 0.8543% | 5,196 |
| Efficiency ratio | 76.7642% | 2,804 |
| Assets per employee ($millions) | 7.1874% | 710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5797% | 3,616 |
| Loan loss allowance to noncurrent loans | 43.1909% | 5,404 |
| Noncurrent assets plus other real estate owned to assets | 3.2017% | 2,237 |
| Noncurrent loans to loans | 3.6576% | 2,136 |
| Net loans and leases to total assets | 71.4586% | 2,365 |
| Net loans and leases to deposits | 100.3999% | 628 |
| Net loans and leases to core deposits | 129.6534% | 384 |
| Total domestic deposits to total assets | 64.0878% | 7,516 |
| Equity capital to assets | 8.5797% | 6,184 |
| Core capital (leverage) ratio | 8.7294% | 5,137 |
| Tier 1 risk-based capital ratio | 15.8407% | 2,847 |
| Total risk-based capital ratio | 17.1286% | 2,767 |
| Memoranda: | ||
| Average total assets | $1,018,401,500 | 652 |
| Average earning assets | $947,422,000 | 633 |
| Average equity | $89,293,250 | 746 |
| Average total loans | $730,570,500 | 595 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 7,513 |
| Cost of funding earning assets | 1.1770% | 5,254 |
| Net interest margin | 2.5616% | 7,379 |
| Noninterest income to average assets | 1.3084% | 743 |
| Noninterest expense to average assets | 2.8581% | 4,235 |
| Loan and lease loss provision to assets | 1.2182% | 1,150 |
| Net operating income to assets | -0.1884% | 6,342 |
| Return on assets (ROA) | 0.0248% | 6,144 |
| Pretax return on assets | -0.0498% | 6,199 |
| Return on Equity (ROE) | 0.2808% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.2808% | 5,643 |
| Net charge-offs to loans | 1.4381% | 1,329 |
| Credit loss provision to net charge-offs | 118.5786% | 3,425 |
| Earnings coverage of net charge-offs (x) | 0.8117% | 4,958 |
| Efficiency ratio | 77.4142% | 2,829 |
| Assets per employee ($millions) | 7.2722% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5378% | 3,722 |
| Loan loss allowance to noncurrent loans | 35.9597% | 5,969 |
| Noncurrent assets plus other real estate owned to assets | 3.4641% | 2,033 |
| Noncurrent loans to loans | 4.2765% | 1,738 |
| Net loans and leases to total assets | 70.4174% | 2,812 |
| Net loans and leases to deposits | 100.2771% | 698 |
| Net loans and leases to core deposits | 129.2749% | 431 |
| Total domestic deposits to total assets | 64.1604% | 7,580 |
| Equity capital to assets | 8.4536% | 6,227 |
| Core capital (leverage) ratio | 8.7305% | 5,032 |
| Tier 1 risk-based capital ratio | 15.9234% | 2,707 |
| Total risk-based capital ratio | 17.2035% | 2,655 |
| Memoranda: | ||
| Average total assets | $1,008,080,330 | 656 |
| Average earning assets | $937,992,670 | 638 |
| Average equity | $89,047,000 | 731 |
| Average total loans | $720,128,000 | 610 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 7,589 |
| Cost of funding earning assets | 1.2494% | 5,117 |
| Net interest margin | 2.5534% | 7,427 |
| Noninterest income to average assets | 1.3374% | 670 |
| Noninterest expense to average assets | 3.0123% | 3,631 |
| Loan and lease loss provision to assets | 1.1636% | 1,051 |
| Net operating income to assets | -0.2348% | 6,583 |
| Return on assets (ROA) | 0.0041% | 6,386 |
| Pretax return on assets | -0.0885% | 6,454 |
| Return on Equity (ROE) | 0.0449% | 6,392 |
| Retained earnings to average equity (ytd only) | 0.0449% | 5,805 |
| Net charge-offs to loans | 1.6327% | 1,066 |
| Credit loss provision to net charge-offs | 99.8258% | 3,457 |
| Earnings coverage of net charge-offs (x) | 0.6003% | 4,485 |
| Efficiency ratio | 81.1488% | 2,395 |
| Assets per employee ($millions) | 6.8112% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 3,874 |
| Loan loss allowance to noncurrent loans | 33.2343% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 3.4945% | 2,014 |
| Noncurrent loans to loans | 4.5356% | 1,647 |
| Net loans and leases to total assets | 69.8458% | 2,974 |
| Net loans and leases to deposits | 97.3746% | 969 |
| Net loans and leases to core deposits | 118.6634% | 844 |
| Total domestic deposits to total assets | 69.3181% | 7,458 |
| Equity capital to assets | 8.9768% | 5,314 |
| Core capital (leverage) ratio | 8.9610% | 4,634 |
| Tier 1 risk-based capital ratio | 16.9901% | 2,273 |
| Total risk-based capital ratio | 18.2716% | 2,211 |
| Memoranda: | ||
| Average total assets | $984,886,500 | 690 |
| Average earning assets | $915,961,500 | 666 |
| Average equity | $89,000,000 | 737 |
| Average total loans | $703,129,000 | 646 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 7,594 |
| Cost of funding earning assets | 1.5919% | 5,060 |
| Net interest margin | 2.6307% | 7,306 |
| Noninterest income to average assets | 0.9197% | 1,870 |
| Noninterest expense to average assets | 2.7018% | 5,383 |
| Loan and lease loss provision to assets | 1.1987% | 1,919 |
| Net operating income to assets | -0.2463% | 5,892 |
| Return on assets (ROA) | 0.0746% | 5,319 |
| Pretax return on assets | -0.0040% | 5,450 |
| Return on Equity (ROE) | 0.9136% | 5,256 |
| Retained earnings to average equity (ytd only) | 0.9136% | 4,384 |
| Net charge-offs to loans | 1.3941% | 1,802 |
| Credit loss provision to net charge-offs | 131.6918% | 3,832 |
| Earnings coverage of net charge-offs (x) | 0.7603% | 5,343 |
| Efficiency ratio | 79.6096% | 2,938 |
| Assets per employee ($millions) | 7.0677% | 772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 3,638 |
| Loan loss allowance to noncurrent loans | 32.2772% | 6,300 |
| Noncurrent assets plus other real estate owned to assets | 3.5995% | 1,859 |
| Noncurrent loans to loans | 4.6999% | 1,491 |
| Net loans and leases to total assets | 70.7879% | 3,054 |
| Net loans and leases to deposits | 101.5781% | 784 |
| Net loans and leases to core deposits | 160.1082% | 342 |
| Total domestic deposits to total assets | 68.1564% | 7,536 |
| Equity capital to assets | 9.0975% | 4,990 |
| Core capital (leverage) ratio | 8.9568% | 4,495 |
| Tier 1 risk-based capital ratio | 17.8831% | 1,919 |
| Total risk-based capital ratio | 19.1810% | 1,873 |
| Memoranda: | ||
| Average total assets | $999,406,200 | 666 |
| Average earning assets | $939,897,000 | 642 |
| Average equity | $81,652,000 | 795 |
| Average total loans | $652,515,400 | 718 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 7,659 |
| Cost of funding earning assets | 1.6408% | 5,199 |
| Net interest margin | 2.6808% | 7,241 |
| Noninterest income to average assets | 0.7856% | 2,507 |
| Noninterest expense to average assets | 2.6204% | 5,641 |
| Loan and lease loss provision to assets | 1.2711% | 1,519 |
| Net operating income to assets | -0.5007% | 6,422 |
| Return on assets (ROA) | 0.0869% | 5,559 |
| Pretax return on assets | 0.0082% | 5,688 |
| Return on Equity (ROE) | 1.0933% | 5,466 |
| Retained earnings to average equity (ytd only) | 1.0933% | 4,710 |
| Net charge-offs to loans | 1.2919% | 1,589 |
| Credit loss provision to net charge-offs | 154.4722% | 3,097 |
| Earnings coverage of net charge-offs (x) | 0.8406% | 5,213 |
| Efficiency ratio | 79.1160% | 2,976 |
| Assets per employee ($millions) | 7.5835% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 2,684 |
| Loan loss allowance to noncurrent loans | 35.6213% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 3.3007% | 2,048 |
| Noncurrent loans to loans | 4.7328% | 1,448 |
| Net loans and leases to total assets | 63.8829% | 4,891 |
| Net loans and leases to deposits | 92.1899% | 2,202 |
| Net loans and leases to core deposits | 142.6509% | 813 |
| Total domestic deposits to total assets | 67.0970% | 7,632 |
| Equity capital to assets | 8.7798% | 5,836 |
| Core capital (leverage) ratio | 8.7168% | 5,104 |
| Tier 1 risk-based capital ratio | 17.7167% | 2,069 |
| Total risk-based capital ratio | 18.9921% | 2,008 |
| Memoranda: | ||
| Average total assets | $1,005,422,000 | 677 |
| Average earning assets | $947,558,750 | 651 |
| Average equity | $79,882,000 | 822 |
| Average total loans | $640,379,250 | 747 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4370% | 7,682 |
| Cost of funding earning assets | 1.7161% | 5,193 |
| Net interest margin | 2.7209% | 7,162 |
| Noninterest income to average assets | 0.5614% | 3,952 |
| Noninterest expense to average assets | 2.6002% | 5,740 |
| Loan and lease loss provision to assets | 0.9832% | 1,714 |
| Net operating income to assets | -0.1925% | 6,174 |
| Return on assets (ROA) | -0.0451% | 5,982 |
| Pretax return on assets | -0.2268% | 6,154 |
| Return on Equity (ROE) | -0.5888% | 6,013 |
| Retained earnings to average equity (ytd only) | -0.5888% | 5,373 |
| Net charge-offs to loans | 1.0389% | 1,721 |
| Credit loss provision to net charge-offs | 149.6051% | 3,089 |
| Earnings coverage of net charge-offs (x) | 0.7998% | 4,935 |
| Efficiency ratio | 83.1715% | 2,581 |
| Assets per employee ($millions) | 7.8715% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 3,235 |
| Loan loss allowance to noncurrent loans | 32.2232% | 6,316 |
| Noncurrent assets plus other real estate owned to assets | 3.0517% | 2,075 |
| Noncurrent loans to loans | 4.6335% | 1,378 |
| Net loans and leases to total assets | 59.1443% | 5,817 |
| Net loans and leases to deposits | 82.8339% | 4,080 |
| Net loans and leases to core deposits | 125.2185% | 1,931 |
| Total domestic deposits to total assets | 68.4906% | 7,588 |
| Equity capital to assets | 7.3694% | 7,372 |
| Core capital (leverage) ratio | 7.9123% | 6,470 |
| Tier 1 risk-based capital ratio | 14.5140% | 3,233 |
| Total risk-based capital ratio | 15.7700% | 3,174 |
| Memoranda: | ||
| Average total assets | $1,001,832,000 | 694 |
| Average earning assets | $944,231,000 | 664 |
| Average equity | $76,769,330 | 867 |
| Average total loans | $633,737,330 | 772 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 7,440 |
| Cost of funding earning assets | 1.8002% | 5,112 |
| Net interest margin | 2.9479% | 6,620 |
| Noninterest income to average assets | 0.4272% | 4,985 |
| Noninterest expense to average assets | 2.5471% | 5,658 |
| Loan and lease loss provision to assets | 1.0722% | 1,222 |
| Net operating income to assets | -0.1627% | 6,500 |
| Return on assets (ROA) | -0.1997% | 6,639 |
| Pretax return on assets | -0.4759% | 6,805 |
| Return on Equity (ROE) | -2.5542% | 6,730 |
| Retained earnings to average equity (ytd only) | -2.5542% | 6,202 |
| Net charge-offs to loans | 0.9423% | 1,407 |
| Credit loss provision to net charge-offs | 175.1167% | 2,460 |
| Earnings coverage of net charge-offs (x) | 1.0680% | 4,228 |
| Efficiency ratio | 79.0609% | 2,991 |
| Assets per employee ($millions) | 7.3464% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 3,643 |
| Loan loss allowance to noncurrent loans | 34.7993% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 3.0716% | 1,840 |
| Noncurrent loans to loans | 3.9487% | 1,535 |
| Net loans and leases to total assets | 64.7297% | 4,856 |
| Net loans and leases to deposits | 91.9622% | 2,611 |
| Net loans and leases to core deposits | 144.0549% | 931 |
| Total domestic deposits to total assets | 65.9572% | 7,734 |
| Equity capital to assets | 7.7657% | 7,110 |
| Core capital (leverage) ratio | 7.8870% | 6,642 |
| Tier 1 risk-based capital ratio | 15.9223% | 2,716 |
| Total risk-based capital ratio | 17.1793% | 2,653 |
| Memoranda: | ||
| Average total assets | $979,291,500 | 709 |
| Average earning assets | $921,474,500 | 684 |
| Average equity | $76,578,500 | 865 |
| Average total loans | $636,319,000 | 778 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5467% | 7,199 |
| Cost of funding earning assets | 2.3408% | 4,968 |
| Net interest margin | 3.2059% | 6,348 |
| Noninterest income to average assets | 0.7520% | 2,768 |
| Noninterest expense to average assets | 2.7550% | 5,026 |
| Loan and lease loss provision to assets | 0.6880% | 2,123 |
| Net operating income to assets | 0.2891% | 5,580 |
| Return on assets (ROA) | 0.2893% | 5,389 |
| Pretax return on assets | 0.3178% | 5,468 |
| Return on Equity (ROE) | 3.6891% | 4,954 |
| Retained earnings to average equity (ytd only) | 3.6891% | 2,852 |
| Net charge-offs to loans | 0.7002% | 1,760 |
| Credit loss provision to net charge-offs | 150.8914% | 3,477 |
| Earnings coverage of net charge-offs (x) | 2.2054% | 4,972 |
| Efficiency ratio | 73.2618% | 3,700 |
| Assets per employee ($millions) | 7.0592% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2373% | 4,251 |
| Loan loss allowance to noncurrent loans | 37.0042% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 2.6695% | 1,787 |
| Noncurrent loans to loans | 3.3436% | 1,544 |
| Net loans and leases to total assets | 63.5208% | 5,367 |
| Net loans and leases to deposits | 90.7303% | 3,330 |
| Net loans and leases to core deposits | 152.9038% | 751 |
| Total domestic deposits to total assets | 61.1118% | 7,924 |
| Equity capital to assets | 7.8744% | 7,003 |
| Core capital (leverage) ratio | 8.3052% | 5,940 |
| Tier 1 risk-based capital ratio | 16.7323% | 2,407 |
| Total risk-based capital ratio | 17.9874% | 2,338 |
| Memoranda: | ||
| Average total assets | $971,856,200 | 679 |
| Average earning assets | $912,031,800 | 652 |
| Average equity | $76,225,400 | 870 |
| Average total loans | $632,804,800 | 755 |