Home > Comenity Capital Bank > Performance and Condition Ratios
Comenity Capital 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 | 23.2213% | 51 |
| Cost of funding earning assets | 3.6028% | 63 |
| Net interest margin | 19.6185% | 14 |
| Noninterest income to average assets | 3.8100% | 156 |
| Noninterest expense to average assets | 10.1590% | 112 |
| Loan and lease loss provision to assets | 6.2300% | 5 |
| Net operating income to assets | 4.1894% | 95 |
| Return on assets (ROA) | 4.1851% | 96 |
| Pretax return on assets | 5.5833% | 84 |
| Return on Equity (ROE) | 26.5300% | 266 |
| Retained earnings to average equity (ytd only) | -7.6649% | 4,438 |
| Net charge-offs to loans | 7.7551% | 9 |
| Credit loss provision to net charge-offs | 92.3535% | 1,931 |
| Earnings coverage of net charge-offs (x) | 1.7521% | 2,744 |
| Efficiency ratio | 45.1969% | 4,220 |
| Assets per employee ($millions) | 107.9209% | 18 |
| Cash dividends to net income (ytd only)* | 128.8895% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4254% | 11 |
| Loan loss allowance to noncurrent loans | 283.7497% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 3.8332% | 43 |
| Noncurrent loans to loans | 4.3790% | 69 |
| Net loans and leases to total assets | 76.6600% | 1,023 |
| Net loans and leases to deposits | 106.3000% | 282 |
| Net loans and leases to core deposits | 156.9817% | 170 |
| Total domestic deposits to total assets | 72.1200% | 4,224 |
| Equity capital to assets | 14.5793% | 594 |
| Core capital (leverage) ratio | 15.1762% | 591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9705% | 923 |
| Memoranda: | ||
| Average total assets | $12,698,928,400 | 137 |
| Average earning assets | $11,758,125,600 | 134 |
| Average equity | $2,003,120,000 | 96 |
| Average total loans | $11,044,738,400 | 117 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.7732% | 47 |
| Cost of funding earning assets | 3.4466% | 64 |
| Net interest margin | 19.3266% | 11 |
| Noninterest income to average assets | 4.4300% | 143 |
| Noninterest expense to average assets | 10.0631% | 112 |
| Loan and lease loss provision to assets | 4.6700% | 11 |
| Net operating income to assets | 5.6841% | 67 |
| Return on assets (ROA) | 5.6733% | 67 |
| Pretax return on assets | 7.5956% | 63 |
| Return on Equity (ROE) | 35.2800% | 160 |
| Retained earnings to average equity (ytd only) | -6.7145% | 4,460 |
| Net charge-offs to loans | 7.5685% | 10 |
| Credit loss provision to net charge-offs | 70.9877% | 1,806 |
| Earnings coverage of net charge-offs (x) | 1.8677% | 2,510 |
| Efficiency ratio | 44.0403% | 4,223 |
| Assets per employee ($millions) | 96.3651% | 21 |
| Cash dividends to net income (ytd only)* | 119.0310% | 133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4689% | 10 |
| Loan loss allowance to noncurrent loans | 302.4189% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 3.5791% | 46 |
| Noncurrent loans to loans | 4.1231% | 73 |
| Net loans and leases to total assets | 75.9800% | 1,123 |
| Net loans and leases to deposits | 100.2169% | 501 |
| Net loans and leases to core deposits | 150.2421% | 148 |
| Total domestic deposits to total assets | 75.8200% | 4,026 |
| Equity capital to assets | 16.1937% | 434 |
| Core capital (leverage) ratio | 16.4584% | 449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8659% | 712 |
| Memoranda: | ||
| Average total assets | $12,636,032,250 | 138 |
| Average earning assets | $11,711,409,000 | 135 |
| Average equity | $2,031,875,750 | 97 |
| Average total loans | $10,971,864,250 | 119 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.1737% | 46 |
| Cost of funding earning assets | 3.3032% | 48 |
| Net interest margin | 18.8705% | 12 |
| Noninterest income to average assets | 5.5300% | 115 |
| Noninterest expense to average assets | 9.9910% | 105 |
| Loan and lease loss provision to assets | 3.7000% | 11 |
| Net operating income to assets | 6.9744% | 51 |
| Return on assets (ROA) | 6.9645% | 51 |
| Pretax return on assets | 9.3265% | 51 |
| Return on Equity (ROE) | 43.4100% | 88 |
| Retained earnings to average equity (ytd only) | -13.7596% | 4,552 |
| Net charge-offs to loans | 7.7904% | 9 |
| Credit loss provision to net charge-offs | 54.7329% | 1,651 |
| Earnings coverage of net charge-offs (x) | 1.9278% | 2,344 |
| Efficiency ratio | 42.4294% | 4,322 |
| Assets per employee ($millions) | 103.4287% | 19 |
| Cash dividends to net income (ytd only)* | 131.6994% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3868% | 14 |
| Loan loss allowance to noncurrent loans | 363.4762% | 1,914 |
| Noncurrent assets plus other real estate owned to assets | 2.9799% | 70 |
| Noncurrent loans to loans | 3.4079% | 117 |
| Net loans and leases to total assets | 76.6100% | 987 |
| Net loans and leases to deposits | 102.7926% | 407 |
| Net loans and leases to core deposits | 132.7211% | 288 |
| Total domestic deposits to total assets | 74.5300% | 4,159 |
| Equity capital to assets | 16.0986% | 435 |
| Core capital (leverage) ratio | 16.0742% | 469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5826% | 751 |
| Memoranda: | ||
| Average total assets | $12,864,952,000 | 135 |
| Average earning assets | $11,931,819,000 | 128 |
| Average equity | $2,064,156,333 | 95 |
| Average total loans | $11,171,564,667 | 113 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.7787% | 5 |
| Cost of funding earning assets | 3.4166% | 8 |
| Net interest margin | 19.3621% | 6 |
| Noninterest income to average assets | 8.7400% | 96 |
| Noninterest expense to average assets | 9.8698% | 108 |
| Loan and lease loss provision to assets | 0.3300% | 250 |
| Net operating income to assets | 12.3542% | 37 |
| Return on assets (ROA) | 12.3539% | 37 |
| Pretax return on assets | 16.5459% | 38 |
| Return on Equity (ROE) | 77.1100% | 31 |
| Retained earnings to average equity (ytd only) | 39.8513% | 63 |
| Net charge-offs to loans | 7.3985% | 11 |
| Credit loss provision to net charge-offs | 5.2055% | 1,414 |
| Earnings coverage of net charge-offs (x) | 2.6354% | 1,921 |
| Efficiency ratio | 36.1477% | 4,537 |
| Assets per employee ($millions) | 112.3917% | 16 |
| Cash dividends to net income (ytd only)* | 48.3189% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4086% | 7 |
| Loan loss allowance to noncurrent loans | 309.4932% | 2,171 |
| Noncurrent assets plus other real estate owned to assets | 3.4461% | 34 |
| Noncurrent loans to loans | 4.0093% | 88 |
| Net loans and leases to total assets | 75.2900% | 1,047 |
| Net loans and leases to deposits | 101.5601% | 378 |
| Net loans and leases to core deposits | 137.3251% | 203 |
| Total domestic deposits to total assets | 74.1300% | 4,280 |
| Equity capital to assets | 18.9252% | 265 |
| Core capital (leverage) ratio | 16.3859% | 438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.0297% | 498 |
| Memoranda: | ||
| Average total assets | $13,401,994,000 | 131 |
| Average earning assets | $12,463,068,500 | 126 |
| Average equity | $2,147,152,000 | 95 |
| Average total loans | $11,602,291,500 | 109 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.6386% | 6 |
| Cost of funding earning assets | 1.9755% | 5 |
| Net interest margin | 19.6632% | 6 |
| Noninterest income to average assets | 2.1700% | 222 |
| Noninterest expense to average assets | 9.8000% | 110 |
| Loan and lease loss provision to assets | 8.9800% | 2 |
| Net operating income to assets | 1.3992% | 1,134 |
| Return on assets (ROA) | 1.3827% | 1,129 |
| Pretax return on assets | 1.7950% | 745 |
| Return on Equity (ROE) | 9.4800% | 2,976 |
| Retained earnings to average equity (ytd only) | 9.4801% | 1,321 |
| Net charge-offs to loans | 5.5016% | 8 |
| Credit loss provision to net charge-offs | 186.0376% | 1,168 |
| Earnings coverage of net charge-offs (x) | 2.2367% | 2,513 |
| Efficiency ratio | 47.0095% | 4,298 |
| Assets per employee ($millions) | 131.7741% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.3699% | 9 |
| Loan loss allowance to noncurrent loans | 340.3318% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 2.9088% | 52 |
| Noncurrent loans to loans | 3.3408% | 117 |
| Net loans and leases to total assets | 77.1700% | 879 |
| Net loans and leases to deposits | 124.3496% | 59 |
| Net loans and leases to core deposits | 176.5293% | 43 |
| Total domestic deposits to total assets | 62.0600% | 4,565 |
| Equity capital to assets | 13.6977% | 606 |
| Core capital (leverage) ratio | 14.8676% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4481% | 1,058 |
| Memoranda: | ||
| Average total assets | $11,762,576,800 | 147 |
| Average earning assets | $11,019,934,600 | 141 |
| Average equity | $1,715,673,400 | 111 |
| Average total loans | $10,316,528,800 | 121 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.4727% | 5 |
| Cost of funding earning assets | 1.5445% | 7 |
| Net interest margin | 19.9282% | 5 |
| Noninterest income to average assets | 2.0900% | 259 |
| Noninterest expense to average assets | 9.5324% | 109 |
| Loan and lease loss provision to assets | 7.1700% | 2 |
| Net operating income to assets | 3.0519% | 104 |
| Return on assets (ROA) | 3.0292% | 101 |
| Pretax return on assets | 4.0822% | 84 |
| Return on Equity (ROE) | 20.3500% | 404 |
| Retained earnings to average equity (ytd only) | 20.3481% | 97 |
| Net charge-offs to loans | 5.2063% | 6 |
| Credit loss provision to net charge-offs | 156.5297% | 1,107 |
| Earnings coverage of net charge-offs (x) | 2.4633% | 2,244 |
| Efficiency ratio | 45.3585% | 4,409 |
| Assets per employee ($millions) | 102.7030% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5465% | 8 |
| Loan loss allowance to noncurrent loans | 338.2062% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 3.0013% | 51 |
| Noncurrent loans to loans | 3.4141% | 127 |
| Net loans and leases to total assets | 77.7600% | 728 |
| Net loans and leases to deposits | 107.8051% | 156 |
| Net loans and leases to core deposits | 145.3991% | 80 |
| Total domestic deposits to total assets | 72.1300% | 4,505 |
| Equity capital to assets | 14.8261% | 469 |
| Core capital (leverage) ratio | 16.1236% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7419% | 757 |
| Memoranda: | ||
| Average total assets | $10,980,604,000 | 152 |
| Average earning assets | $10,316,003,000 | 150 |
| Average equity | $1,634,679,000 | 119 |
| Average total loans | $9,654,508,000 | 124 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.8691% | 5 |
| Cost of funding earning assets | 1.2436% | 14 |
| Net interest margin | 19.6255% | 5 |
| Noninterest income to average assets | 2.0948% | 218 |
| Noninterest expense to average assets | 9.5433% | 75 |
| Loan and lease loss provision to assets | 7.2856% | 3 |
| Net operating income to assets | 2.6960% | 90 |
| Return on assets (ROA) | 2.6801% | 87 |
| Pretax return on assets | 3.6834% | 64 |
| Return on Equity (ROE) | 17.9761% | 475 |
| Retained earnings to average equity (ytd only) | 17.9761% | 116 |
| Net charge-offs to loans | 5.2216% | 7 |
| Credit loss provision to net charge-offs | 158.6813% | 1,069 |
| Earnings coverage of net charge-offs (x) | 2.3934% | 2,031 |
| Efficiency ratio | 46.0333% | 4,450 |
| Assets per employee ($millions) | 103.4030% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.3495% | 9 |
| Loan loss allowance to noncurrent loans | 472.5306% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 2.1216% | 119 |
| Noncurrent loans to loans | 2.4018% | 245 |
| Net loans and leases to total assets | 78.3068% | 535 |
| Net loans and leases to deposits | 117.4193% | 52 |
| Net loans and leases to core deposits | 166.7439% | 34 |
| Total domestic deposits to total assets | 66.6898% | 4,649 |
| Equity capital to assets | 14.6197% | 450 |
| Core capital (leverage) ratio | 16.3546% | 359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3904% | 800 |
| Memoranda: | ||
| Average total assets | $10,703,857,333 | 149 |
| Average earning assets | $10,055,931,000 | 149 |
| Average equity | $1,595,874,333 | 120 |
| Average total loans | $9,411,749,000 | 124 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.8051% | 4 |
| Cost of funding earning assets | 1.0868% | 23 |
| Net interest margin | 19.7183% | 5 |
| Noninterest income to average assets | 1.9835% | 242 |
| Noninterest expense to average assets | 8.9963% | 81 |
| Loan and lease loss provision to assets | 4.8964% | 3 |
| Net operating income to assets | 4.7625% | 41 |
| Return on assets (ROA) | 4.7435% | 39 |
| Pretax return on assets | 6.5876% | 33 |
| Return on Equity (ROE) | 31.4848% | 51 |
| Retained earnings to average equity (ytd only) | 31.4848% | 32 |
| Net charge-offs to loans | 4.7712% | 11 |
| Credit loss provision to net charge-offs | 117.0027% | 945 |
| Earnings coverage of net charge-offs (x) | 2.7499% | 1,694 |
| Efficiency ratio | 43.4617% | 4,573 |
| Assets per employee ($millions) | 92.9534% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.0311% | 9 |
| Loan loss allowance to noncurrent loans | 429.8593% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 2.2643% | 117 |
| Noncurrent loans to loans | 2.5662% | 230 |
| Net loans and leases to total assets | 78.5028% | 339 |
| Net loans and leases to deposits | 112.0981% | 60 |
| Net loans and leases to core deposits | 173.2616% | 29 |
| Total domestic deposits to total assets | 70.0305% | 4,657 |
| Equity capital to assets | 15.7994% | 332 |
| Core capital (leverage) ratio | 17.1636% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6547% | 677 |
| Memoranda: | ||
| Average total assets | $10,420,323,500 | 153 |
| Average earning assets | $9,787,533,500 | 152 |
| Average equity | $1,569,925,000 | 126 |
| Average total loans | $9,139,708,000 | 129 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.2557% | 4 |
| Cost of funding earning assets | 1.4839% | 13 |
| Net interest margin | 18.7718% | 5 |
| Noninterest income to average assets | 1.7150% | 390 |
| Noninterest expense to average assets | 10.0508% | 71 |
| Loan and lease loss provision to assets | 4.7055% | 2 |
| Net operating income to assets | 3.4952% | 76 |
| Return on assets (ROA) | 3.4886% | 79 |
| Pretax return on assets | 4.5678% | 65 |
| Return on Equity (ROE) | 26.2634% | 102 |
| Retained earnings to average equity (ytd only) | 26.2634% | 21 |
| Net charge-offs to loans | 4.2533% | 7 |
| Credit loss provision to net charge-offs | 125.7823% | 1,613 |
| Earnings coverage of net charge-offs (x) | 2.4811% | 2,582 |
| Efficiency ratio | 51.3821% | 4,171 |
| Assets per employee ($millions) | 93.9538% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7433% | 9 |
| Loan loss allowance to noncurrent loans | 480.5370% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 1.9494% | 163 |
| Noncurrent loans to loans | 2.2357% | 326 |
| Net loans and leases to total assets | 77.8272% | 387 |
| Net loans and leases to deposits | 110.7747% | 79 |
| Net loans and leases to core deposits | 189.7080% | 27 |
| Total domestic deposits to total assets | 70.2572% | 4,678 |
| Equity capital to assets | 14.3468% | 605 |
| Core capital (leverage) ratio | 17.2982% | 279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9483% | 763 |
| Memoranda: | ||
| Average total assets | $9,157,120,800 | 174 |
| Average earning assets | $8,594,036,000 | 164 |
| Average equity | $1,216,360,600 | 150 |
| Average total loans | $8,054,205,000 | 142 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.1022% | 4 |
| Cost of funding earning assets | 1.5891% | 7 |
| Net interest margin | 18.5131% | 5 |
| Noninterest income to average assets | 1.7092% | 434 |
| Noninterest expense to average assets | 9.9257% | 71 |
| Loan and lease loss provision to assets | 3.2522% | 3 |
| Net operating income to assets | 4.4524% | 57 |
| Return on assets (ROA) | 4.4444% | 57 |
| Pretax return on assets | 5.8709% | 54 |
| Return on Equity (ROE) | 34.2776% | 62 |
| Retained earnings to average equity (ytd only) | 34.2776% | 18 |
| Net charge-offs to loans | 4.3115% | 7 |
| Credit loss provision to net charge-offs | 85.5408% | 1,690 |
| Earnings coverage of net charge-offs (x) | 2.4023% | 2,351 |
| Efficiency ratio | 51.4648% | 4,076 |
| Assets per employee ($millions) | 88.5008% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.4117% | 12 |
| Loan loss allowance to noncurrent loans | 508.2668% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 1.7890% | 233 |
| Noncurrent loans to loans | 2.0485% | 423 |
| Net loans and leases to total assets | 78.2416% | 387 |
| Net loans and leases to deposits | 108.5355% | 107 |
| Net loans and leases to core deposits | 176.0726% | 40 |
| Total domestic deposits to total assets | 72.0884% | 4,680 |
| Equity capital to assets | 13.5606% | 833 |
| Core capital (leverage) ratio | 15.7102% | 417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9600% | 972 |
| Memoranda: | ||
| Average total assets | $8,815,696,000 | 177 |
| Average earning assets | $8,261,769,750 | 173 |
| Average equity | $1,143,027,500 | 159 |
| Average total loans | $7,773,918,250 | 146 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.8226% | 3 |
| Cost of funding earning assets | 1.6913% | 5 |
| Net interest margin | 18.1313% | 3 |
| Noninterest income to average assets | 1.5510% | 517 |
| Noninterest expense to average assets | 9.7724% | 75 |
| Loan and lease loss provision to assets | 1.9518% | 7 |
| Net operating income to assets | 5.0725% | 50 |
| Return on assets (ROA) | 5.0655% | 50 |
| Pretax return on assets | 6.7876% | 46 |
| Return on Equity (ROE) | 39.7375% | 45 |
| Retained earnings to average equity (ytd only) | 39.7375% | 14 |
| Net charge-offs to loans | 4.6459% | 7 |
| Credit loss provision to net charge-offs | 47.4743% | 1,615 |
| Earnings coverage of net charge-offs (x) | 2.1278% | 2,143 |
| Efficiency ratio | 52.1308% | 4,031 |
| Assets per employee ($millions) | 58.6833% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.3158% | 13 |
| Loan loss allowance to noncurrent loans | 588.5499% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 1.5326% | 361 |
| Noncurrent loans to loans | 1.7527% | 595 |
| Net loans and leases to total assets | 78.4198% | 413 |
| Net loans and leases to deposits | 108.9987% | 121 |
| Net loans and leases to core deposits | 207.9992% | 31 |
| Total domestic deposits to total assets | 71.9456% | 4,710 |
| Equity capital to assets | 13.5449% | 814 |
| Core capital (leverage) ratio | 16.0315% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8858% | 982 |
| Memoranda: | ||
| Average total assets | $8,597,734,000 | 178 |
| Average earning assets | $8,046,952,667 | 174 |
| Average equity | $1,095,991,333 | 161 |
| Average total loans | $7,608,485,000 | 148 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.9551% | 3 |
| Cost of funding earning assets | 1.7974% | 8 |
| Net interest margin | 18.1577% | 4 |
| Noninterest income to average assets | 1.5719% | 565 |
| Noninterest expense to average assets | 9.4330% | 74 |
| Loan and lease loss provision to assets | 2.7345% | 8 |
| Net operating income to assets | 4.7130% | 62 |
| Return on assets (ROA) | 4.7010% | 63 |
| Pretax return on assets | 6.3445% | 56 |
| Return on Equity (ROE) | 38.1388% | 72 |
| Retained earnings to average equity (ytd only) | 38.1388% | 40 |
| Net charge-offs to loans | 4.6194% | 9 |
| Credit loss provision to net charge-offs | 66.4746% | 1,261 |
| Earnings coverage of net charge-offs (x) | 2.2108% | 1,815 |
| Efficiency ratio | 50.3199% | 4,161 |
| Assets per employee ($millions) | 55.6895% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7177% | 10 |
| Loan loss allowance to noncurrent loans | 516.5956% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 2.0257% | 247 |
| Noncurrent loans to loans | 2.2683% | 438 |
| Net loans and leases to total assets | 78.8419% | 410 |
| Net loans and leases to deposits | 99.7271% | 295 |
| Net loans and leases to core deposits | 208.0155% | 33 |
| Total domestic deposits to total assets | 79.0577% | 4,328 |
| Equity capital to assets | 13.1214% | 880 |
| Core capital (leverage) ratio | 14.9524% | 486 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4056% | 1,008 |
| Memoranda: | ||
| Average total assets | $8,436,672,000 | 180 |
| Average earning assets | $7,878,040,000 | 173 |
| Average equity | $1,039,896,000 | 166 |
| Average total loans | $7,512,967,500 | 149 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.2078% | 6 |
| Cost of funding earning assets | 2.1318% | 5 |
| Net interest margin | 16.0760% | 6 |
| Noninterest income to average assets | 1.2042% | 770 |
| Noninterest expense to average assets | 8.8947% | 86 |
| Loan and lease loss provision to assets | 7.3910% | 1 |
| Net operating income to assets | -0.0598% | 4,765 |
| Return on assets (ROA) | -0.0612% | 4,795 |
| Pretax return on assets | -0.0036% | 4,766 |
| Return on Equity (ROE) | -0.5246% | 4,799 |
| Retained earnings to average equity (ytd only) | -0.5246% | 4,594 |
| Net charge-offs to loans | 6.0449% | 8 |
| Credit loss provision to net charge-offs | 144.2444% | 2,458 |
| Earnings coverage of net charge-offs (x) | 1.4420% | 3,259 |
| Efficiency ratio | 53.9584% | 4,215 |
| Assets per employee ($millions) | 60.3916% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7841% | 10 |
| Loan loss allowance to noncurrent loans | 491.6114% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 2.1287% | 255 |
| Noncurrent loans to loans | 2.3970% | 438 |
| Net loans and leases to total assets | 78.3396% | 570 |
| Net loans and leases to deposits | 108.1271% | 189 |
| Net loans and leases to core deposits | 256.8184% | 27 |
| Total domestic deposits to total assets | 72.4514% | 4,694 |
| Equity capital to assets | 11.5562% | 1,842 |
| Core capital (leverage) ratio | 14.8071% | 533 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9152% | 1,283 |
| Memoranda: | ||
| Average total assets | $8,586,560,400 | 166 |
| Average earning assets | $8,054,172,800 | 163 |
| Average equity | $1,001,607,600 | 165 |
| Average total loans | $7,278,376,600 | 147 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.9082% | 6 |
| Cost of funding earning assets | 2.2340% | 4 |
| Net interest margin | 15.6742% | 7 |
| Noninterest income to average assets | 1.2749% | 670 |
| Noninterest expense to average assets | 8.7372% | 90 |
| Loan and lease loss provision to assets | 8.2959% | 1 |
| Net operating income to assets | -0.6901% | 4,914 |
| Return on assets (ROA) | -0.6855% | 4,921 |
| Pretax return on assets | -1.0394% | 4,945 |
| Return on Equity (ROE) | -5.8628% | 4,925 |
| Retained earnings to average equity (ytd only) | -5.8628% | 4,865 |
| Net charge-offs to loans | 6.2281% | 8 |
| Credit loss provision to net charge-offs | 159.0337% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.3900% | 3,074 |
| Efficiency ratio | 53.9707% | 4,152 |
| Assets per employee ($millions) | 79.0060% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.0853% | 6 |
| Loan loss allowance to noncurrent loans | 475.3514% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 2.4484% | 227 |
| Noncurrent loans to loans | 2.7528% | 358 |
| Net loans and leases to total assets | 77.3063% | 925 |
| Net loans and leases to deposits | 93.7152% | 944 |
| Net loans and leases to core deposits | 222.8053% | 30 |
| Total domestic deposits to total assets | 82.4906% | 3,291 |
| Equity capital to assets | 12.2996% | 1,516 |
| Core capital (leverage) ratio | 14.1243% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0264% | 1,050 |
| Memoranda: | ||
| Average total assets | $8,589,299,250 | 165 |
| Average earning assets | $8,062,520,250 | 161 |
| Average equity | $1,004,256,000 | 162 |
| Average total loans | $7,194,092,750 | 145 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.6778% | 6 |
| Cost of funding earning assets | 2.2896% | 5 |
| Net interest margin | 15.3882% | 7 |
| Noninterest income to average assets | 1.2540% | 643 |
| Noninterest expense to average assets | 8.6683% | 86 |
| Loan and lease loss provision to assets | 9.7516% | 3 |
| Net operating income to assets | -1.8899% | 5,014 |
| Return on assets (ROA) | -1.8831% | 5,014 |
| Pretax return on assets | -2.6780% | 5,024 |
| Return on Equity (ROE) | -16.3534% | 5,024 |
| Retained earnings to average equity (ytd only) | -16.3534% | 4,992 |
| Net charge-offs to loans | 6.6460% | 10 |
| Credit loss provision to net charge-offs | 178.4002% | 2,000 |
| Earnings coverage of net charge-offs (x) | 1.2925% | 2,867 |
| Efficiency ratio | 54.4267% | 4,128 |
| Assets per employee ($millions) | 83.0970% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2751% | 6 |
| Loan loss allowance to noncurrent loans | 474.8490% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 2.2184% | 296 |
| Noncurrent loans to loans | 2.7956% | 378 |
| Net loans and leases to total assets | 68.8176% | 2,212 |
| Net loans and leases to deposits | 83.3489% | 2,062 |
| Net loans and leases to core deposits | 205.3547% | 37 |
| Total domestic deposits to total assets | 82.5657% | 3,216 |
| Equity capital to assets | 10.7729% | 2,510 |
| Core capital (leverage) ratio | 12.4092% | 1,209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7266% | 1,094 |
| Memoranda: | ||
| Average total assets | $8,871,535,000 | 162 |
| Average earning assets | $8,347,565,333 | 154 |
| Average equity | $1,021,572,000 | 162 |
| Average total loans | $7,296,574,667 | 148 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.8994% | 7 |
| Cost of funding earning assets | 2.3721% | 6 |
| Net interest margin | 17.5273% | 8 |
| Noninterest income to average assets | 1.5285% | 382 |
| Noninterest expense to average assets | 8.2229% | 94 |
| Loan and lease loss provision to assets | 12.3555% | 2 |
| Net operating income to assets | -1.7324% | 5,036 |
| Return on assets (ROA) | -1.7237% | 5,021 |
| Pretax return on assets | -2.4913% | 5,043 |
| Return on Equity (ROE) | -14.5316% | 5,035 |
| Retained earnings to average equity (ytd only) | -14.5316% | 4,886 |
| Net charge-offs to loans | 6.4335% | 10 |
| Credit loss provision to net charge-offs | 229.7263% | 1,339 |
| Earnings coverage of net charge-offs (x) | 1.8320% | 2,339 |
| Efficiency ratio | 44.9188% | 4,862 |
| Assets per employee ($millions) | 84.5849% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.6125% | 9 |
| Loan loss allowance to noncurrent loans | 341.8050% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 2.8634% | 215 |
| Noncurrent loans to loans | 3.3974% | 286 |
| Net loans and leases to total assets | 74.4937% | 1,535 |
| Net loans and leases to deposits | 97.7570% | 747 |
| Net loans and leases to core deposits | 284.8313% | 19 |
| Total domestic deposits to total assets | 76.2030% | 4,463 |
| Equity capital to assets | 10.8845% | 2,960 |
| Core capital (leverage) ratio | 12.1581% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1493% | 1,570 |
| Memoranda: | ||
| Average total assets | $9,069,357,500 | 155 |
| Average earning assets | $8,562,394,000 | 150 |
| Average equity | $1,075,806,500 | 159 |
| Average total loans | $7,581,987,000 | 139 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.7217% | 5 |
| Cost of funding earning assets | 2.4908% | 9 |
| Net interest margin | 16.2309% | 6 |
| Noninterest income to average assets | 1.7374% | 327 |
| Noninterest expense to average assets | 9.3983% | 78 |
| Loan and lease loss provision to assets | 4.6805% | 10 |
| Net operating income to assets | 2.2471% | 204 |
| Return on assets (ROA) | 2.2509% | 213 |
| Pretax return on assets | 2.8847% | 107 |
| Return on Equity (ROE) | 16.7253% | 451 |
| Retained earnings to average equity (ytd only) | 1.2947% | 4,278 |
| Net charge-offs to loans | 4.8094% | 15 |
| Credit loss provision to net charge-offs | 119.1385% | 2,125 |
| Earnings coverage of net charge-offs (x) | 1.9244% | 3,472 |
| Efficiency ratio | 54.5594% | 4,370 |
| Assets per employee ($millions) | 77.2057% | 18 |
| Cash dividends to net income (ytd only)* | 92.2588% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6679% | 23 |
| Loan loss allowance to noncurrent loans | 174.1635% | 2,333 |
| Noncurrent assets plus other real estate owned to assets | 2.6998% | 221 |
| Noncurrent loans to loans | 3.2543% | 266 |
| Net loans and leases to total assets | 78.2570% | 1,038 |
| Net loans and leases to deposits | 103.4359% | 405 |
| Net loans and leases to core deposits | 321.1547% | 18 |
| Total domestic deposits to total assets | 75.6575% | 4,639 |
| Equity capital to assets | 12.7824% | 1,654 |
| Core capital (leverage) ratio | 11.9449% | 1,812 |
| Tier 1 risk-based capital ratio | 14.3980% | 3,069 |
| Total risk-based capital ratio | 15.7006% | 2,939 |
| Memoranda: | ||
| Average total assets | $9,390,193,600 | 148 |
| Average earning assets | $8,806,147,400 | 143 |
| Average equity | $1,263,727,800 | 142 |
| Average total loans | $7,670,495,200 | 135 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.5936% | 5 |
| Cost of funding earning assets | 2.4896% | 8 |
| Net interest margin | 16.1039% | 5 |
| Noninterest income to average assets | 2.0028% | 268 |
| Noninterest expense to average assets | 9.4583% | 80 |
| Loan and lease loss provision to assets | 3.9784% | 13 |
| Net operating income to assets | 2.8332% | 100 |
| Return on assets (ROA) | 2.8390% | 104 |
| Pretax return on assets | 3.6287% | 77 |
| Return on Equity (ROE) | 20.8357% | 203 |
| Retained earnings to average equity (ytd only) | 20.8357% | 44 |
| Net charge-offs to loans | 4.5412% | 21 |
| Credit loss provision to net charge-offs | 107.6644% | 2,121 |
| Earnings coverage of net charge-offs (x) | 2.0567% | 3,225 |
| Efficiency ratio | 54.5057% | 4,335 |
| Assets per employee ($millions) | 75.2600% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9893% | 40 |
| Loan loss allowance to noncurrent loans | 174.3460% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 2.2960% | 324 |
| Noncurrent loans to loans | 2.8617% | 359 |
| Net loans and leases to total assets | 76.2277% | 1,440 |
| Net loans and leases to deposits | 102.3621% | 491 |
| Net loans and leases to core deposits | 333.3403% | 18 |
| Total domestic deposits to total assets | 74.4687% | 4,784 |
| Equity capital to assets | 14.1940% | 1,078 |
| Core capital (leverage) ratio | 13.8779% | 1,016 |
| Tier 1 risk-based capital ratio | 16.3631% | 2,313 |
| Total risk-based capital ratio | 17.6567% | 2,233 |
| Memoranda: | ||
| Average total assets | $9,402,270,000 | 149 |
| Average earning assets | $8,790,003,250 | 145 |
| Average equity | $1,281,129,750 | 140 |
| Average total loans | $7,650,634,750 | 136 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.0555% | 5 |
| Cost of funding earning assets | 2.4395% | 8 |
| Net interest margin | 15.6160% | 5 |
| Noninterest income to average assets | 1.8887% | 291 |
| Noninterest expense to average assets | 9.2204% | 75 |
| Loan and lease loss provision to assets | 3.7267% | 16 |
| Net operating income to assets | 2.9341% | 88 |
| Return on assets (ROA) | 2.9411% | 92 |
| Pretax return on assets | 3.6874% | 78 |
| Return on Equity (ROE) | 21.9026% | 167 |
| Retained earnings to average equity (ytd only) | 21.9026% | 44 |
| Net charge-offs to loans | 4.5665% | 20 |
| Credit loss provision to net charge-offs | 99.8076% | 2,009 |
| Earnings coverage of net charge-offs (x) | 1.9833% | 2,978 |
| Efficiency ratio | 54.3890% | 4,425 |
| Assets per employee ($millions) | 81.4954% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7362% | 36 |
| Loan loss allowance to noncurrent loans | 212.1702% | 2,060 |
| Noncurrent assets plus other real estate owned to assets | 1.7900% | 569 |
| Noncurrent loans to loans | 2.2323% | 596 |
| Net loans and leases to total assets | 76.3912% | 1,492 |
| Net loans and leases to deposits | 100.7132% | 627 |
| Net loans and leases to core deposits | 376.9469% | 16 |
| Total domestic deposits to total assets | 75.8502% | 4,688 |
| Equity capital to assets | 13.5508% | 1,297 |
| Core capital (leverage) ratio | 13.6009% | 1,078 |
| Tier 1 risk-based capital ratio | 15.7153% | 2,542 |
| Total risk-based capital ratio | 17.0064% | 2,455 |
| Memoranda: | ||
| Average total assets | $9,300,181,670 | 152 |
| Average earning assets | $8,776,795,670 | 147 |
| Average equity | $1,248,829,000 | 142 |
| Average total loans | $7,604,441,330 | 138 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.2570% | 5 |
| Cost of funding earning assets | 2.4227% | 10 |
| Net interest margin | 15.8342% | 5 |
| Noninterest income to average assets | 1.8959% | 268 |
| Noninterest expense to average assets | 9.1587% | 71 |
| Loan and lease loss provision to assets | 3.4415% | 20 |
| Net operating income to assets | 3.5664% | 65 |
| Return on assets (ROA) | 3.5732% | 67 |
| Pretax return on assets | 4.2559% | 66 |
| Return on Equity (ROE) | 26.7407% | 79 |
| Retained earnings to average equity (ytd only) | 26.7407% | 40 |
| Net charge-offs to loans | 4.6679% | 23 |
| Credit loss provision to net charge-offs | 89.2508% | 1,723 |
| Earnings coverage of net charge-offs (x) | 1.9941% | 2,538 |
| Efficiency ratio | 53.1607% | 4,605 |
| Assets per employee ($millions) | 74.7619% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8016% | 41 |
| Loan loss allowance to noncurrent loans | 191.0826% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 2.0781% | 450 |
| Noncurrent loans to loans | 2.5129% | 517 |
| Net loans and leases to total assets | 78.7295% | 1,028 |
| Net loans and leases to deposits | 111.1147% | 190 |
| Net loans and leases to core deposits | 551.2586% | 12 |
| Total domestic deposits to total assets | 70.8543% | 5,085 |
| Equity capital to assets | 13.9011% | 1,078 |
| Core capital (leverage) ratio | 13.4117% | 1,114 |
| Tier 1 risk-based capital ratio | 15.5725% | 2,619 |
| Total risk-based capital ratio | 16.8645% | 2,530 |
| Memoranda: | ||
| Average total assets | $9,101,294,500 | 153 |
| Average earning assets | $8,594,283,000 | 148 |
| Average equity | $1,216,167,000 | 144 |
| Average total loans | $7,518,309,500 | 141 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0741% | 5 |
| Cost of funding earning assets | 2.1338% | 9 |
| Net interest margin | 16.9404% | 5 |
| Noninterest income to average assets | 1.8561% | 299 |
| Noninterest expense to average assets | 8.6287% | 83 |
| Loan and lease loss provision to assets | 4.3667% | 11 |
| Net operating income to assets | 3.6067% | 56 |
| Return on assets (ROA) | 3.6048% | 56 |
| Pretax return on assets | 4.8311% | 45 |
| Return on Equity (ROE) | 27.0728% | 61 |
| Retained earnings to average equity (ytd only) | 8.5338% | 1,034 |
| Net charge-offs to loans | 5.6006% | 13 |
| Credit loss provision to net charge-offs | 93.3399% | 2,675 |
| Earnings coverage of net charge-offs (x) | 1.9666% | 3,571 |
| Efficiency ratio | 46.8698% | 5,092 |
| Assets per employee ($millions) | 76.3033% | 18 |
| Cash dividends to net income (ytd only)* | 68.4783% | 1,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8793% | 36 |
| Loan loss allowance to noncurrent loans | 185.0779% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 2.1754% | 409 |
| Noncurrent loans to loans | 2.6364% | 439 |
| Net loans and leases to total assets | 78.4885% | 1,182 |
| Net loans and leases to deposits | 109.3849% | 268 |
| Net loans and leases to core deposits | 642.1972% | 11 |
| Total domestic deposits to total assets | 71.7544% | 5,087 |
| Equity capital to assets | 12.8305% | 1,423 |
| Core capital (leverage) ratio | 12.0711% | 1,683 |
| Tier 1 risk-based capital ratio | 14.3754% | 3,127 |
| Total risk-based capital ratio | 15.6685% | 3,021 |
| Memoranda: | ||
| Average total assets | $8,709,822,000 | 154 |
| Average earning assets | $8,212,389,000 | 150 |
| Average equity | $1,159,719,600 | 146 |
| Average total loans | $7,275,499,800 | 139 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.8808% | 5 |
| Cost of funding earning assets | 2.0210% | 8 |
| Net interest margin | 16.8598% | 5 |
| Noninterest income to average assets | 1.5919% | 384 |
| Noninterest expense to average assets | 8.4254% | 85 |
| Loan and lease loss provision to assets | 5.5257% | 9 |
| Net operating income to assets | 2.6350% | 125 |
| Return on assets (ROA) | 2.6306% | 123 |
| Pretax return on assets | 3.5194% | 74 |
| Return on Equity (ROE) | 19.5673% | 298 |
| Retained earnings to average equity (ytd only) | 19.5673% | 61 |
| Net charge-offs to loans | 5.7651% | 13 |
| Credit loss provision to net charge-offs | 114.3727% | 2,056 |
| Earnings coverage of net charge-offs (x) | 1.8733% | 3,304 |
| Efficiency ratio | 46.5570% | 5,124 |
| Assets per employee ($millions) | 79.8807% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8528% | 25 |
| Loan loss allowance to noncurrent loans | 198.7114% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 2.4563% | 361 |
| Noncurrent loans to loans | 2.9454% | 377 |
| Net loans and leases to total assets | 78.5125% | 1,255 |
| Net loans and leases to deposits | 116.4918% | 141 |
| Net loans and leases to core deposits | 679.2004% | 11 |
| Total domestic deposits to total assets | 67.3974% | 5,297 |
| Equity capital to assets | 13.7872% | 1,027 |
| Core capital (leverage) ratio | 13.5961% | 1,065 |
| Tier 1 risk-based capital ratio | 15.3419% | 2,722 |
| Total risk-based capital ratio | 16.6470% | 2,622 |
| Memoranda: | ||
| Average total assets | $8,598,178,250 | 152 |
| Average earning assets | $8,100,569,750 | 148 |
| Average equity | $1,155,947,000 | 146 |
| Average total loans | $7,205,531,500 | 138 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.7539% | 5 |
| Cost of funding earning assets | 1.9177% | 9 |
| Net interest margin | 16.8363% | 5 |
| Noninterest income to average assets | 1.5411% | 405 |
| Noninterest expense to average assets | 8.0257% | 89 |
| Loan and lease loss provision to assets | 6.1460% | 7 |
| Net operating income to assets | 2.3181% | 198 |
| Return on assets (ROA) | 2.3136% | 192 |
| Pretax return on assets | 3.2399% | 88 |
| Return on Equity (ROE) | 17.3671% | 486 |
| Retained earnings to average equity (ytd only) | 17.3671% | 114 |
| Net charge-offs to loans | 5.9897% | 13 |
| Credit loss provision to net charge-offs | 122.2294% | 1,781 |
| Earnings coverage of net charge-offs (x) | 1.8678% | 3,020 |
| Efficiency ratio | 44.3801% | 5,269 |
| Assets per employee ($millions) | 86.2457% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1175% | 25 |
| Loan loss allowance to noncurrent loans | 221.7914% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 2.3161% | 399 |
| Noncurrent loans to loans | 2.7582% | 440 |
| Net loans and leases to total assets | 78.8356% | 1,186 |
| Net loans and leases to deposits | 126.2047% | 66 |
| Net loans and leases to core deposits | 656.7503% | 11 |
| Total domestic deposits to total assets | 62.4665% | 5,428 |
| Equity capital to assets | 13.6044% | 1,064 |
| Core capital (leverage) ratio | 13.3058% | 1,134 |
| Tier 1 risk-based capital ratio | 15.0177% | 2,866 |
| Total risk-based capital ratio | 16.3265% | 2,761 |
| Memoranda: | ||
| Average total assets | $8,455,398,670 | 152 |
| Average earning assets | $7,973,180,330 | 149 |
| Average equity | $1,126,428,330 | 147 |
| Average total loans | $7,098,205,000 | 136 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.1647% | 5 |
| Cost of funding earning assets | 1.8152% | 9 |
| Net interest margin | 17.3495% | 5 |
| Noninterest income to average assets | 1.5192% | 420 |
| Noninterest expense to average assets | 7.8746% | 96 |
| Loan and lease loss provision to assets | 6.5588% | 7 |
| Net operating income to assets | 2.5307% | 138 |
| Return on assets (ROA) | 2.5248% | 140 |
| Pretax return on assets | 3.4287% | 82 |
| Return on Equity (ROE) | 19.1615% | 306 |
| Retained earnings to average equity (ytd only) | 19.1615% | 121 |
| Net charge-offs to loans | 5.8921% | 13 |
| Credit loss provision to net charge-offs | 132.6193% | 1,320 |
| Earnings coverage of net charge-offs (x) | 2.0210% | 2,498 |
| Efficiency ratio | 42.3766% | 5,391 |
| Assets per employee ($millions) | 90.1330% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1362% | 24 |
| Loan loss allowance to noncurrent loans | 209.8657% | 2,158 |
| Noncurrent assets plus other real estate owned to assets | 2.4683% | 380 |
| Noncurrent loans to loans | 2.9239% | 416 |
| Net loans and leases to total assets | 79.2400% | 1,045 |
| Net loans and leases to deposits | 121.7296% | 96 |
| Net loans and leases to core deposits | 625.4534% | 14 |
| Total domestic deposits to total assets | 65.0951% | 5,475 |
| Equity capital to assets | 13.6124% | 1,013 |
| Core capital (leverage) ratio | 12.9126% | 1,212 |
| Tier 1 risk-based capital ratio | 14.8163% | 2,970 |
| Total risk-based capital ratio | 16.1254% | 2,867 |
| Memoranda: | ||
| Average total assets | $8,370,811,000 | 154 |
| Average earning assets | $7,888,770,500 | 148 |
| Average equity | $1,102,982,000 | 146 |
| Average total loans | $7,026,166,000 | 137 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.2246% | 5 |
| Cost of funding earning assets | 1.6347% | 11 |
| Net interest margin | 17.5899% | 5 |
| Noninterest income to average assets | 2.0628% | 287 |
| Noninterest expense to average assets | 7.5345% | 101 |
| Loan and lease loss provision to assets | 5.8671% | 8 |
| Net operating income to assets | 3.1639% | 65 |
| Return on assets (ROA) | 3.1639% | 65 |
| Pretax return on assets | 5.1118% | 44 |
| Return on Equity (ROE) | 24.1823% | 78 |
| Retained earnings to average equity (ytd only) | 21.0677% | 35 |
| Net charge-offs to loans | 5.5368% | 11 |
| Credit loss provision to net charge-offs | 122.1894% | 2,137 |
| Earnings coverage of net charge-offs (x) | 2.2865% | 3,765 |
| Efficiency ratio | 38.8166% | 5,543 |
| Assets per employee ($millions) | 96.0157% | 16 |
| Cash dividends to net income (ytd only)* | 12.8796% | 3,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6125% | 26 |
| Loan loss allowance to noncurrent loans | 211.4980% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 2.2148% | 464 |
| Noncurrent loans to loans | 2.6537% | 481 |
| Net loans and leases to total assets | 78.7776% | 1,164 |
| Net loans and leases to deposits | 119.6149% | 118 |
| Net loans and leases to core deposits | 737.0569% | 13 |
| Total domestic deposits to total assets | 65.8593% | 5,520 |
| Equity capital to assets | 12.7487% | 1,384 |
| Core capital (leverage) ratio | 12.4222% | 1,390 |
| Tier 1 risk-based capital ratio | 13.9904% | 3,364 |
| Total risk-based capital ratio | 15.2926% | 3,240 |
| Memoranda: | ||
| Average total assets | $7,361,939,000 | 164 |
| Average earning assets | $6,885,142,200 | 156 |
| Average equity | $963,209,600 | 155 |
| Average total loans | $6,384,550,400 | 135 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.1339% | 5 |
| Cost of funding earning assets | 1.5717% | 16 |
| Net interest margin | 17.5621% | 5 |
| Noninterest income to average assets | 2.2113% | 270 |
| Noninterest expense to average assets | 7.5597% | 104 |
| Loan and lease loss provision to assets | 5.7349% | 10 |
| Net operating income to assets | 3.2785% | 67 |
| Return on assets (ROA) | 3.2785% | 67 |
| Pretax return on assets | 5.3103% | 49 |
| Return on Equity (ROE) | 24.8686% | 78 |
| Retained earnings to average equity (ytd only) | 20.5893% | 47 |
| Net charge-offs to loans | 5.6812% | 11 |
| Credit loss provision to net charge-offs | 115.1086% | 2,076 |
| Earnings coverage of net charge-offs (x) | 2.2169% | 3,491 |
| Efficiency ratio | 38.6874% | 5,609 |
| Assets per employee ($millions) | 92.6796% | 17 |
| Cash dividends to net income (ytd only)* | 17.2076% | 3,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3924% | 30 |
| Loan loss allowance to noncurrent loans | 197.9188% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 2.2655% | 521 |
| Noncurrent loans to loans | 2.7246% | 520 |
| Net loans and leases to total assets | 78.6665% | 1,169 |
| Net loans and leases to deposits | 116.4193% | 149 |
| Net loans and leases to core deposits | 739.0672% | 12 |
| Total domestic deposits to total assets | 67.5717% | 5,550 |
| Equity capital to assets | 12.7822% | 1,498 |
| Core capital (leverage) ratio | 12.9334% | 1,238 |
| Tier 1 risk-based capital ratio | 13.9375% | 3,475 |
| Total risk-based capital ratio | 15.2370% | 3,363 |
| Memoranda: | ||
| Average total assets | $7,090,077,750 | 168 |
| Average earning assets | $6,618,298,250 | 164 |
| Average equity | $934,715,000 | 157 |
| Average total loans | $6,217,685,000 | 140 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.5702% | 5 |
| Cost of funding earning assets | 1.5258% | 16 |
| Net interest margin | 18.0444% | 5 |
| Noninterest income to average assets | 2.4407% | 239 |
| Noninterest expense to average assets | 7.6218% | 104 |
| Loan and lease loss provision to assets | 6.8210% | 6 |
| Net operating income to assets | 2.9713% | 82 |
| Return on assets (ROA) | 2.9713% | 82 |
| Pretax return on assets | 4.7815% | 57 |
| Return on Equity (ROE) | 22.2734% | 127 |
| Retained earnings to average equity (ytd only) | 15.6559% | 113 |
| Net charge-offs to loans | 5.5893% | 17 |
| Credit loss provision to net charge-offs | 136.3957% | 1,623 |
| Earnings coverage of net charge-offs (x) | 2.3201% | 3,173 |
| Efficiency ratio | 37.6783% | 5,666 |
| Assets per employee ($millions) | 87.7371% | 18 |
| Cash dividends to net income (ytd only)* | 29.7103% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0236% | 26 |
| Loan loss allowance to noncurrent loans | 240.7559% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 2.2440% | 524 |
| Noncurrent loans to loans | 2.5019% | 600 |
| Net loans and leases to total assets | 84.2877% | 414 |
| Net loans and leases to deposits | 130.6468% | 42 |
| Net loans and leases to core deposits | 729.0610% | 13 |
| Total domestic deposits to total assets | 64.5157% | 5,662 |
| Equity capital to assets | 13.4698% | 1,157 |
| Core capital (leverage) ratio | 12.9290% | 1,202 |
| Tier 1 risk-based capital ratio | 13.5775% | 3,657 |
| Total risk-based capital ratio | 14.8852% | 3,543 |
| Memoranda: | ||
| Average total assets | $6,796,623,000 | 175 |
| Average earning assets | $6,321,734,000 | 169 |
| Average equity | $906,688,670 | 162 |
| Average total loans | $6,081,097,000 | 142 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.7865% | 5 |
| Cost of funding earning assets | 1.4707% | 21 |
| Net interest margin | 18.3157% | 5 |
| Noninterest income to average assets | 2.5668% | 227 |
| Noninterest expense to average assets | 7.4640% | 115 |
| Loan and lease loss provision to assets | 6.6754% | 5 |
| Net operating income to assets | 3.3640% | 76 |
| Return on assets (ROA) | 3.3640% | 76 |
| Pretax return on assets | 5.4301% | 55 |
| Return on Equity (ROE) | 25.3457% | 84 |
| Retained earnings to average equity (ytd only) | 11.8218% | 491 |
| Net charge-offs to loans | 5.4809% | 17 |
| Credit loss provision to net charge-offs | 136.2987% | 1,281 |
| Earnings coverage of net charge-offs (x) | 2.4717% | 2,586 |
| Efficiency ratio | 36.1650% | 5,753 |
| Assets per employee ($millions) | 86.5412% | 18 |
| Cash dividends to net income (ytd only)* | 53.3580% | 1,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8046% | 31 |
| Loan loss allowance to noncurrent loans | 226.6355% | 2,041 |
| Noncurrent assets plus other real estate owned to assets | 2.2981% | 531 |
| Noncurrent loans to loans | 2.5612% | 601 |
| Net loans and leases to total assets | 84.5186% | 323 |
| Net loans and leases to deposits | 126.7176% | 46 |
| Net loans and leases to core deposits | 742.4976% | 15 |
| Total domestic deposits to total assets | 66.6984% | 5,700 |
| Equity capital to assets | 13.5136% | 1,066 |
| Core capital (leverage) ratio | 12.3738% | 1,407 |
| Tier 1 risk-based capital ratio | 13.4148% | 3,825 |
| Total risk-based capital ratio | 14.7196% | 3,709 |
| Memoranda: | ||
| Average total assets | $6,685,451,000 | 176 |
| Average earning assets | $6,206,140,000 | 170 |
| Average equity | $887,313,000 | 162 |
| Average total loans | $5,973,980,000 | 143 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.6471% | 7 |
| Cost of funding earning assets | 1.3329% | 29 |
| Net interest margin | 17.3141% | 7 |
| Noninterest income to average assets | 3.0931% | 189 |
| Noninterest expense to average assets | 8.0306% | 104 |
| Loan and lease loss provision to assets | 6.1374% | 5 |
| Net operating income to assets | 3.0670% | 78 |
| Return on assets (ROA) | 3.0670% | 79 |
| Pretax return on assets | 4.8578% | 51 |
| Return on Equity (ROE) | 23.1249% | 116 |
| Retained earnings to average equity (ytd only) | 23.1249% | 33 |
| Net charge-offs to loans | 5.0145% | 9 |
| Credit loss provision to net charge-offs | 135.7262% | 2,000 |
| Earnings coverage of net charge-offs (x) | 2.4316% | 3,831 |
| Efficiency ratio | 39.9620% | 5,782 |
| Assets per employee ($millions) | 88.2530% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3168% | 37 |
| Loan loss allowance to noncurrent loans | 222.5688% | 2,073 |
| Noncurrent assets plus other real estate owned to assets | 2.1259% | 629 |
| Noncurrent loans to loans | 2.3888% | 670 |
| Net loans and leases to total assets | 84.2598% | 362 |
| Net loans and leases to deposits | 132.2084% | 35 |
| Net loans and leases to core deposits | 1,944.1064% | 12 |
| Total domestic deposits to total assets | 63.7326% | 5,794 |
| Equity capital to assets | 13.0326% | 1,243 |
| Core capital (leverage) ratio | 13.7648% | 880 |
| Tier 1 risk-based capital ratio | 13.1163% | 3,987 |
| Total risk-based capital ratio | 14.4144% | 3,895 |
| Memoranda: | ||
| Average total assets | $5,341,265,800 | 192 |
| Average earning assets | $4,915,090,800 | 188 |
| Average equity | $708,409,400 | 177 |
| Average total loans | $4,816,600,000 | 164 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.5294% | 6 |
| Cost of funding earning assets | 1.3351% | 27 |
| Net interest margin | 17.1943% | 6 |
| Noninterest income to average assets | 3.3915% | 176 |
| Noninterest expense to average assets | 8.1270% | 100 |
| Loan and lease loss provision to assets | 5.6876% | 2 |
| Net operating income to assets | 3.4166% | 67 |
| Return on assets (ROA) | 3.4166% | 69 |
| Pretax return on assets | 5.3670% | 45 |
| Return on Equity (ROE) | 25.6113% | 76 |
| Retained earnings to average equity (ytd only) | 25.6113% | 26 |
| Net charge-offs to loans | 4.6552% | 15 |
| Credit loss provision to net charge-offs | 134.8924% | 1,927 |
| Earnings coverage of net charge-offs (x) | 2.6218% | 3,544 |
| Efficiency ratio | 40.0928% | 5,829 |
| Assets per employee ($millions) | 234.2153% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6771% | 34 |
| Loan loss allowance to noncurrent loans | 216.3498% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 2.3536% | 597 |
| Noncurrent loans to loans | 2.6240% | 642 |
| Net loans and leases to total assets | 84.6032% | 357 |
| Net loans and leases to deposits | 126.9317% | 62 |
| Net loans and leases to core deposits | 2,576.5462% | 10 |
| Total domestic deposits to total assets | 66.6525% | 5,802 |
| Equity capital to assets | 13.5076% | 1,244 |
| Core capital (leverage) ratio | 12.7663% | 1,287 |
| Tier 1 risk-based capital ratio | 13.3824% | 3,931 |
| Total risk-based capital ratio | 14.6846% | 3,808 |
| Memoranda: | ||
| Average total assets | $4,999,774,750 | 204 |
| Average earning assets | $4,591,460,750 | 200 |
| Average equity | $666,980,750 | 182 |
| Average total loans | $4,528,537,500 | 174 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.0124% | 7 |
| Cost of funding earning assets | 1.3247% | 30 |
| Net interest margin | 16.6876% | 7 |
| Noninterest income to average assets | 3.5609% | 170 |
| Noninterest expense to average assets | 8.2239% | 99 |
| Loan and lease loss provision to assets | 5.6031% | 3 |
| Net operating income to assets | 3.1713% | 83 |
| Return on assets (ROA) | 3.1713% | 85 |
| Pretax return on assets | 5.0397% | 52 |
| Return on Equity (ROE) | 23.8898% | 109 |
| Retained earnings to average equity (ytd only) | 23.8898% | 38 |
| Net charge-offs to loans | 4.8820% | 19 |
| Credit loss provision to net charge-offs | 126.2333% | 1,791 |
| Earnings coverage of net charge-offs (x) | 2.3977% | 3,277 |
| Efficiency ratio | 41.2572% | 5,883 |
| Assets per employee ($millions) | 220.1100% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4540% | 37 |
| Loan loss allowance to noncurrent loans | 220.6961% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 2.2213% | 688 |
| Noncurrent loans to loans | 2.4713% | 718 |
| Net loans and leases to total assets | 84.9808% | 331 |
| Net loans and leases to deposits | 131.3159% | 36 |
| Net loans and leases to core deposits | 2,540.4068% | 10 |
| Total domestic deposits to total assets | 64.7148% | 5,921 |
| Equity capital to assets | 13.3843% | 1,291 |
| Core capital (leverage) ratio | 12.5728% | 1,315 |
| Tier 1 risk-based capital ratio | 12.9805% | 4,212 |
| Total risk-based capital ratio | 14.2796% | 4,098 |
| Memoranda: | ||
| Average total assets | $4,792,643,670 | 208 |
| Average earning assets | $4,395,760,670 | 205 |
| Average equity | $636,212,000 | 184 |
| Average total loans | $4,357,410,330 | 177 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.1199% | 7 |
| Cost of funding earning assets | 1.3047% | 35 |
| Net interest margin | 15.8152% | 7 |
| Noninterest income to average assets | 3.7760% | 163 |
| Noninterest expense to average assets | 7.8515% | 113 |
| Loan and lease loss provision to assets | 4.9372% | 7 |
| Net operating income to assets | 3.5406% | 65 |
| Return on assets (ROA) | 3.5406% | 63 |
| Pretax return on assets | 5.5174% | 46 |
| Return on Equity (ROE) | 26.7998% | 79 |
| Retained earnings to average equity (ytd only) | 26.7998% | 39 |
| Net charge-offs to loans | 4.9057% | 14 |
| Credit loss provision to net charge-offs | 109.9679% | 1,519 |
| Earnings coverage of net charge-offs (x) | 2.3286% | 2,699 |
| Efficiency ratio | 40.8687% | 5,947 |
| Assets per employee ($millions) | 190.2016% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2025% | 47 |
| Loan loss allowance to noncurrent loans | 219.5537% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 2.1750% | 768 |
| Noncurrent loans to loans | 2.3696% | 828 |
| Net loans and leases to total assets | 87.0136% | 165 |
| Net loans and leases to deposits | 136.2508% | 19 |
| Net loans and leases to core deposits | 2,607.5663% | 10 |
| Total domestic deposits to total assets | 63.8628% | 6,002 |
| Equity capital to assets | 13.5728% | 1,147 |
| Core capital (leverage) ratio | 13.3186% | 1,047 |
| Tier 1 risk-based capital ratio | 12.8873% | 4,332 |
| Total risk-based capital ratio | 14.1831% | 4,220 |
| Memoranda: | ||
| Average total assets | $4,547,645,000 | 217 |
| Average earning assets | $4,178,123,000 | 211 |
| Average equity | $600,796,500 | 192 |
| Average total loans | $4,162,017,500 | 180 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0862% | 7 |
| Cost of funding earning assets | 1.1176% | 88 |
| Net interest margin | 17.9686% | 7 |
| Noninterest income to average assets | 3.9949% | 157 |
| Noninterest expense to average assets | 8.8842% | 92 |
| Loan and lease loss provision to assets | 7.3569% | 2 |
| Net operating income to assets | 2.7107% | 119 |
| Return on assets (ROA) | 2.7107% | 121 |
| Pretax return on assets | 4.4385% | 62 |
| Return on Equity (ROE) | 20.4046% | 227 |
| Retained earnings to average equity (ytd only) | 20.4046% | 63 |
| Net charge-offs to loans | 4.6457% | 10 |
| Credit loss provision to net charge-offs | 172.3251% | 1,565 |
| Earnings coverage of net charge-offs (x) | 2.7629% | 3,833 |
| Efficiency ratio | 41.1257% | 6,042 |
| Assets per employee ($millions) | 159.6173% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1050% | 31 |
| Loan loss allowance to noncurrent loans | 251.9480% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 2.2099% | 764 |
| Noncurrent loans to loans | 2.4231% | 779 |
| Net loans and leases to total assets | 85.6324% | 261 |
| Net loans and leases to deposits | 128.4927% | 53 |
| Net loans and leases to core deposits | 42,832.1924% | 3 |
| Total domestic deposits to total assets | 66.6438% | 6,005 |
| Equity capital to assets | 12.7803% | 1,469 |
| Core capital (leverage) ratio | 13.3213% | 1,030 |
| Tier 1 risk-based capital ratio | 12.9604% | 4,350 |
| Total risk-based capital ratio | 14.2674% | 4,212 |
| Memoranda: | ||
| Average total assets | $3,330,453,400 | 256 |
| Average earning assets | $3,092,466,000 | 252 |
| Average equity | $442,445,400 | 232 |
| Average total loans | $3,060,560,000 | 208 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0366% | 7 |
| Cost of funding earning assets | 1.0942% | 107 |
| Net interest margin | 17.9424% | 7 |
| Noninterest income to average assets | 4.0058% | 156 |
| Noninterest expense to average assets | 9.1475% | 92 |
| Loan and lease loss provision to assets | 7.0808% | 3 |
| Net operating income to assets | 2.7433% | 115 |
| Return on assets (ROA) | 2.7433% | 116 |
| Pretax return on assets | 4.4550% | 63 |
| Return on Equity (ROE) | 20.3927% | 250 |
| Retained earnings to average equity (ytd only) | 20.3927% | 63 |
| Net charge-offs to loans | 4.5929% | 10 |
| Credit loss provision to net charge-offs | 167.3428% | 1,547 |
| Earnings coverage of net charge-offs (x) | 2.7263% | 3,610 |
| Efficiency ratio | 42.3486% | 6,079 |
| Assets per employee ($millions) | 136.3207% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1678% | 30 |
| Loan loss allowance to noncurrent loans | 247.2057% | 1,874 |
| Noncurrent assets plus other real estate owned to assets | 2.3149% | 790 |
| Noncurrent loans to loans | 2.4950% | 817 |
| Net loans and leases to total assets | 87.0599% | 179 |
| Net loans and leases to deposits | 115.9244% | 153 |
| Net loans and leases to core deposits | 41,369.4367% | 3 |
| Total domestic deposits to total assets | 75.1006% | 5,614 |
| Equity capital to assets | 13.4928% | 1,229 |
| Core capital (leverage) ratio | 13.7474% | 928 |
| Tier 1 risk-based capital ratio | 13.6954% | 4,026 |
| Total risk-based capital ratio | 15.0038% | 3,932 |
| Memoranda: | ||
| Average total assets | $3,125,554,500 | 276 |
| Average earning assets | $2,905,224,750 | 271 |
| Average equity | $420,460,000 | 241 |
| Average total loans | $2,879,487,250 | 223 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0460% | 7 |
| Cost of funding earning assets | 1.0775% | 115 |
| Net interest margin | 17.9685% | 7 |
| Noninterest income to average assets | 3.9448% | 161 |
| Noninterest expense to average assets | 9.4585% | 87 |
| Loan and lease loss provision to assets | 6.8997% | 2 |
| Net operating income to assets | 2.6335% | 144 |
| Return on assets (ROA) | 2.6335% | 148 |
| Pretax return on assets | 4.2592% | 73 |
| Return on Equity (ROE) | 19.5986% | 292 |
| Retained earnings to average equity (ytd only) | 19.5986% | 76 |
| Net charge-offs to loans | 4.4821% | 15 |
| Credit loss provision to net charge-offs | 167.5409% | 1,425 |
| Earnings coverage of net charge-offs (x) | 2.7096% | 3,298 |
| Efficiency ratio | 44.1913% | 6,105 |
| Assets per employee ($millions) | 122.1521% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7522% | 45 |
| Loan loss allowance to noncurrent loans | 267.0297% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 2.0091% | 1,096 |
| Noncurrent loans to loans | 2.1541% | 1,114 |
| Net loans and leases to total assets | 87.9035% | 144 |
| Net loans and leases to deposits | 124.9274% | 68 |
| Net loans and leases to core deposits | 36,767.7334% | 5 |
| Total domestic deposits to total assets | 70.3637% | 6,023 |
| Equity capital to assets | 13.6968% | 1,092 |
| Core capital (leverage) ratio | 13.8829% | 875 |
| Tier 1 risk-based capital ratio | 13.6933% | 4,102 |
| Total risk-based capital ratio | 14.9964% | 4,006 |
| Memoranda: | ||
| Average total assets | $3,031,400,330 | 281 |
| Average earning assets | $2,812,778,000 | 277 |
| Average equity | $407,334,670 | 245 |
| Average total loans | $2,785,301,670 | 226 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.9403% | 6 |
| Cost of funding earning assets | 1.0867% | 105 |
| Net interest margin | 17.8537% | 6 |
| Noninterest income to average assets | 3.7735% | 173 |
| Noninterest expense to average assets | 9.7149% | 85 |
| Loan and lease loss provision to assets | 7.0137% | 3 |
| Net operating income to assets | 2.2507% | 213 |
| Return on assets (ROA) | 2.2507% | 226 |
| Pretax return on assets | 3.6149% | 100 |
| Return on Equity (ROE) | 16.9251% | 480 |
| Retained earnings to average equity (ytd only) | 16.9251% | 183 |
| Net charge-offs to loans | 4.1794% | 25 |
| Credit loss provision to net charge-offs | 184.1366% | 1,109 |
| Earnings coverage of net charge-offs (x) | 2.7904% | 2,698 |
| Efficiency ratio | 45.9385% | 6,105 |
| Assets per employee ($millions) | 123.7799% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5155% | 51 |
| Loan loss allowance to noncurrent loans | 255.8353% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 1.9991% | 1,185 |
| Noncurrent loans to loans | 2.1559% | 1,187 |
| Net loans and leases to total assets | 87.6153% | 123 |
| Net loans and leases to deposits | 126.5854% | 50 |
| Net loans and leases to core deposits | 25,542.7184% | 5 |
| Total domestic deposits to total assets | 69.2144% | 6,160 |
| Equity capital to assets | 13.5294% | 1,161 |
| Core capital (leverage) ratio | 13.3448% | 1,035 |
| Tier 1 risk-based capital ratio | 13.4767% | 4,334 |
| Total risk-based capital ratio | 14.7767% | 4,224 |
| Memoranda: | ||
| Average total assets | $2,959,123,500 | 284 |
| Average earning assets | $2,746,350,000 | 279 |
| Average equity | $393,499,500 | 253 |
| Average total loans | $2,696,871,000 | 227 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.3466% | 6 |
| Cost of funding earning assets | 1.0863% | 146 |
| Net interest margin | 18.2603% | 6 |
| Noninterest income to average assets | 2.9642% | 193 |
| Noninterest expense to average assets | 6.4701% | 160 |
| Loan and lease loss provision to assets | 5.6491% | 4 |
| Net operating income to assets | 4.6806% | 48 |
| Return on assets (ROA) | 4.6806% | 46 |
| Pretax return on assets | 7.5388% | 33 |
| Return on Equity (ROE) | 35.7082% | 29 |
| Retained earnings to average equity (ytd only) | 32.1321% | 20 |
| Net charge-offs to loans | 3.9930% | 16 |
| Credit loss provision to net charge-offs | 157.3449% | 1,542 |
| Earnings coverage of net charge-offs (x) | 3.6732% | 3,832 |
| Efficiency ratio | 32.0620% | 6,458 |
| Assets per employee ($millions) | 117.9012% | 14 |
| Cash dividends to net income (ytd only)* | 10.0148% | 4,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8590% | 79 |
| Loan loss allowance to noncurrent loans | 248.5993% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 1.7500% | 1,514 |
| Noncurrent loans to loans | 1.9546% | 1,436 |
| Net loans and leases to total assets | 85.1822% | 265 |
| Net loans and leases to deposits | 120.3900% | 96 |
| Net loans and leases to core deposits | 31,894.9568% | 4 |
| Total domestic deposits to total assets | 70.7552% | 6,158 |
| Equity capital to assets | 13.0645% | 1,340 |
| Core capital (leverage) ratio | 14.6053% | 678 |
| Tier 1 risk-based capital ratio | 14.0450% | 4,056 |
| Total risk-based capital ratio | 15.3373% | 3,960 |
| Memoranda: | ||
| Average total assets | $2,133,299,200 | 355 |
| Average earning assets | $1,950,277,800 | 347 |
| Average equity | $279,633,400 | 307 |
| Average total loans | $1,918,117,200 | 273 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.9082% | 4 |
| Cost of funding earning assets | 1.0892% | 154 |
| Net interest margin | 18.8190% | 5 |
| Noninterest income to average assets | 3.2273% | 176 |
| Noninterest expense to average assets | 6.3576% | 161 |
| Loan and lease loss provision to assets | 5.3450% | 6 |
| Net operating income to assets | 5.3126% | 42 |
| Return on assets (ROA) | 5.3126% | 40 |
| Pretax return on assets | 8.5997% | 32 |
| Return on Equity (ROE) | 40.4783% | 29 |
| Retained earnings to average equity (ytd only) | 35.2140% | 21 |
| Net charge-offs to loans | 4.1519% | 16 |
| Credit loss provision to net charge-offs | 142.9469% | 1,645 |
| Earnings coverage of net charge-offs (x) | 3.7294% | 3,606 |
| Efficiency ratio | 30.7045% | 6,537 |
| Assets per employee ($millions) | 97.6539% | 15 |
| Cash dividends to net income (ytd only)* | 13.0053% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2581% | 67 |
| Loan loss allowance to noncurrent loans | 251.4166% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 1.9046% | 1,536 |
| Noncurrent loans to loans | 2.0914% | 1,499 |
| Net loans and leases to total assets | 86.2793% | 184 |
| Net loans and leases to deposits | 121.5265% | 81 |
| Net loans and leases to core deposits | 36,799.5822% | 4 |
| Total domestic deposits to total assets | 70.9963% | 6,231 |
| Equity capital to assets | 13.2177% | 1,323 |
| Core capital (leverage) ratio | 14.5858% | 706 |
| Tier 1 risk-based capital ratio | 14.0626% | 4,165 |
| Total risk-based capital ratio | 15.3601% | 4,073 |
| Memoranda: | ||
| Average total assets | $1,929,741,500 | 375 |
| Average earning assets | $1,750,902,000 | 374 |
| Average equity | $253,271,750 | 325 |
| Average total loans | $1,737,896,250 | 291 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.1126% | 5 |
| Cost of funding earning assets | 1.1327% | 127 |
| Net interest margin | 18.9799% | 5 |
| Noninterest income to average assets | 3.3202% | 169 |
| Noninterest expense to average assets | 6.5172% | 154 |
| Loan and lease loss provision to assets | 5.8293% | 3 |
| Net operating income to assets | 4.9467% | 50 |
| Return on assets (ROA) | 4.9467% | 50 |
| Pretax return on assets | 8.0122% | 33 |
| Return on Equity (ROE) | 37.8005% | 33 |
| Retained earnings to average equity (ytd only) | 29.4231% | 31 |
| Net charge-offs to loans | 4.3871% | 19 |
| Credit loss provision to net charge-offs | 148.2229% | 1,468 |
| Earnings coverage of net charge-offs (x) | 3.5195% | 3,284 |
| Efficiency ratio | 31.3948% | 6,598 |
| Assets per employee ($millions) | 89.1508% | 18 |
| Cash dividends to net income (ytd only)* | 22.1621% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7457% | 57 |
| Loan loss allowance to noncurrent loans | 320.2774% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 1.6175% | 2,022 |
| Noncurrent loans to loans | 1.7940% | 1,918 |
| Net loans and leases to total assets | 84.9840% | 236 |
| Net loans and leases to deposits | 134.6760% | 28 |
| Net loans and leases to core deposits | 32,940.8300% | 4 |
| Total domestic deposits to total assets | 63.1025% | 6,525 |
| Equity capital to assets | 13.0043% | 1,369 |
| Core capital (leverage) ratio | 13.8997% | 863 |
| Tier 1 risk-based capital ratio | 13.9748% | 4,272 |
| Total risk-based capital ratio | 15.2781% | 4,179 |
| Memoranda: | ||
| Average total assets | $1,824,309,000 | 393 |
| Average earning assets | $1,637,713,000 | 393 |
| Average equity | $238,737,670 | 339 |
| Average total loans | $1,635,389,330 | 300 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.8738% | 4 |
| Cost of funding earning assets | 1.1768% | 104 |
| Net interest margin | 19.6970% | 4 |
| Noninterest income to average assets | 3.5295% | 158 |
| Noninterest expense to average assets | 6.5383% | 161 |
| Loan and lease loss provision to assets | 6.2034% | 6 |
| Net operating income to assets | 5.0714% | 50 |
| Return on assets (ROA) | 5.0714% | 50 |
| Pretax return on assets | 8.2103% | 33 |
| Return on Equity (ROE) | 38.6177% | 36 |
| Retained earnings to average equity (ytd only) | 38.6177% | 22 |
| Net charge-offs to loans | 4.5046% | 29 |
| Credit loss provision to net charge-offs | 154.1204% | 1,237 |
| Earnings coverage of net charge-offs (x) | 3.5810% | 2,661 |
| Efficiency ratio | 30.5668% | 6,671 |
| Assets per employee ($millions) | 90.6094% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7859% | 59 |
| Loan loss allowance to noncurrent loans | 296.7596% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 1.7455% | 2,019 |
| Noncurrent loans to loans | 1.9497% | 1,931 |
| Net loans and leases to total assets | 84.3484% | 218 |
| Net loans and leases to deposits | 137.8632% | 28 |
| Net loans and leases to core deposits | 29,930.5071% | 3 |
| Total domestic deposits to total assets | 61.1827% | 6,632 |
| Equity capital to assets | 13.3473% | 1,158 |
| Core capital (leverage) ratio | 13.8674% | 863 |
| Tier 1 risk-based capital ratio | 14.3685% | 4,083 |
| Total risk-based capital ratio | 15.6719% | 4,010 |
| Memoranda: | ||
| Average total assets | $1,755,805,000 | 404 |
| Average earning assets | $1,553,046,000 | 408 |
| Average equity | $230,578,500 | 349 |
| Average total loans | $1,568,877,000 | 315 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.8897% | 3 |
| Cost of funding earning assets | 1.2811% | 120 |
| Net interest margin | 21.6085% | 3 |
| Noninterest income to average assets | 3.3021% | 199 |
| Noninterest expense to average assets | 5.9094% | 213 |
| Loan and lease loss provision to assets | 4.9780% | 6 |
| Net operating income to assets | 7.0644% | 31 |
| Return on assets (ROA) | 7.0644% | 31 |
| Pretax return on assets | 11.2742% | 26 |
| Return on Equity (ROE) | 48.6218% | 17 |
| Retained earnings to average equity (ytd only) | 32.7148% | 26 |
| Net charge-offs to loans | 4.2814% | 34 |
| Credit loss provision to net charge-offs | 126.1046% | 1,878 |
| Earnings coverage of net charge-offs (x) | 4.1171% | 3,668 |
| Efficiency ratio | 25.4500% | 6,780 |
| Assets per employee ($millions) | 84.9711% | 18 |
| Cash dividends to net income (ytd only)* | 32.7157% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5637% | 65 |
| Loan loss allowance to noncurrent loans | 265.6992% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 1.8672% | 1,955 |
| Noncurrent loans to loans | 2.0940% | 1,895 |
| Net loans and leases to total assets | 84.2065% | 242 |
| Net loans and leases to deposits | 138.7230% | 26 |
| Net loans and leases to core deposits | 32,346.8128% | 3 |
| Total domestic deposits to total assets | 60.7012% | 6,705 |
| Equity capital to assets | 12.9032% | 1,321 |
| Core capital (leverage) ratio | 14.0013% | 825 |
| Tier 1 risk-based capital ratio | 14.1236% | 4,210 |
| Total risk-based capital ratio | 15.4251% | 4,114 |
| Memoranda: | ||
| Average total assets | $1,298,043,200 | 510 |
| Average earning assets | $1,132,900,200 | 526 |
| Average equity | $188,596,600 | 404 |
| Average total loans | $1,196,811,800 | 373 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.3037% | 3 |
| Cost of funding earning assets | 1.3002% | 120 |
| Net interest margin | 22.0035% | 3 |
| Noninterest income to average assets | 3.5365% | 196 |
| Noninterest expense to average assets | 5.8217% | 220 |
| Loan and lease loss provision to assets | 4.6789% | 6 |
| Net operating income to assets | 7.7594% | 22 |
| Return on assets (ROA) | 7.7594% | 23 |
| Pretax return on assets | 12.4121% | 22 |
| Return on Equity (ROE) | 51.3656% | 15 |
| Retained earnings to average equity (ytd only) | 34.7846% | 22 |
| Net charge-offs to loans | 4.2709% | 36 |
| Credit loss provision to net charge-offs | 117.4482% | 2,002 |
| Earnings coverage of net charge-offs (x) | 4.2901% | 3,478 |
| Efficiency ratio | 24.1125% | 6,859 |
| Assets per employee ($millions) | 76.3024% | 23 |
| Cash dividends to net income (ytd only)* | 32.2803% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0015% | 54 |
| Loan loss allowance to noncurrent loans | 293.9292% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 1.8111% | 2,259 |
| Noncurrent loans to loans | 2.0418% | 2,204 |
| Net loans and leases to total assets | 83.3791% | 278 |
| Net loans and leases to deposits | 147.2496% | 18 |
| Net loans and leases to core deposits | 3,849.3886% | 10 |
| Total domestic deposits to total assets | 56.6244% | 6,809 |
| Equity capital to assets | 14.1337% | 925 |
| Core capital (leverage) ratio | 15.3811% | 581 |
| Tier 1 risk-based capital ratio | 15.5238% | 3,461 |
| Total risk-based capital ratio | 16.8305% | 3,386 |
| Memoranda: | ||
| Average total assets | $1,197,698,500 | 549 |
| Average earning assets | $1,054,684,500 | 561 |
| Average equity | $180,926,000 | 426 |
| Average total loans | $1,117,181,750 | 394 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.5103% | 3 |
| Cost of funding earning assets | 1.3320% | 121 |
| Net interest margin | 22.1783% | 3 |
| Noninterest income to average assets | 3.7136% | 197 |
| Noninterest expense to average assets | 5.8834% | 219 |
| Loan and lease loss provision to assets | 4.6631% | 4 |
| Net operating income to assets | 8.1558% | 21 |
| Return on assets (ROA) | 8.1558% | 21 |
| Pretax return on assets | 13.0637% | 19 |
| Return on Equity (ROE) | 52.5229% | 16 |
| Retained earnings to average equity (ytd only) | 35.1753% | 22 |
| Net charge-offs to loans | 4.4442% | 42 |
| Credit loss provision to net charge-offs | 110.1421% | 2,008 |
| Earnings coverage of net charge-offs (x) | 4.1871% | 3,194 |
| Efficiency ratio | 23.5200% | 6,909 |
| Assets per employee ($millions) | 68.5296% | 24 |
| Cash dividends to net income (ytd only)* | 33.0287% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4686% | 39 |
| Loan loss allowance to noncurrent loans | 366.4551% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 2,677 |
| Noncurrent loans to loans | 1.7652% | 2,683 |
| Net loans and leases to total assets | 85.9493% | 153 |
| Net loans and leases to deposits | 166.9733% | 13 |
| Net loans and leases to core deposits | 24,311.2130% | 5 |
| Total domestic deposits to total assets | 51.4749% | 6,875 |
| Equity capital to assets | 15.2455% | 667 |
| Core capital (leverage) ratio | 16.4528% | 419 |
| Tier 1 risk-based capital ratio | 16.6499% | 2,864 |
| Total risk-based capital ratio | 17.9646% | 2,805 |
| Memoranda: | ||
| Average total assets | $1,113,683,000 | 595 |
| Average earning assets | $999,103,670 | 602 |
| Average equity | $172,934,000 | 437 |
| Average total loans | $1,060,921,670 | 408 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.2240% | 3 |
| Cost of funding earning assets | 1.3262% | 140 |
| Net interest margin | 22.8978% | 3 |
| Noninterest income to average assets | 4.0036% | 186 |
| Noninterest expense to average assets | 5.8389% | 225 |
| Loan and lease loss provision to assets | 5.3303% | 8 |
| Net operating income to assets | 8.4786% | 27 |
| Return on assets (ROA) | 8.4786% | 28 |
| Pretax return on assets | 13.7417% | 24 |
| Return on Equity (ROE) | 54.0261% | 26 |
| Retained earnings to average equity (ytd only) | 35.8852% | 30 |
| Net charge-offs to loans | 4.4727% | 56 |
| Credit loss provision to net charge-offs | 122.5626% | 1,578 |
| Earnings coverage of net charge-offs (x) | 4.3854% | 2,573 |
| Efficiency ratio | 21.9276% | 6,988 |
| Assets per employee ($millions) | 69.1316% | 25 |
| Cash dividends to net income (ytd only)* | 33.5781% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8900% | 42 |
| Loan loss allowance to noncurrent loans | 344.6372% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 1.9286% | 2,431 |
| Noncurrent loans to loans | 1.9992% | 2,618 |
| Net loans and leases to total assets | 89.8208% | 40 |
| Net loans and leases to deposits | 176.8076% | 14 |
| Net loans and leases to core deposits | 22,132.1452% | 5 |
| Total domestic deposits to total assets | 50.8014% | 6,950 |
| Equity capital to assets | 15.6218% | 625 |
| Core capital (leverage) ratio | 16.4825% | 406 |
| Tier 1 risk-based capital ratio | 16.3855% | 3,071 |
| Total risk-based capital ratio | 17.7083% | 2,980 |
| Memoranda: | ||
| Average total assets | $1,053,758,500 | 636 |
| Average earning assets | $962,153,000 | 629 |
| Average equity | $165,372,000 | 466 |
| Average total loans | $1,024,614,500 | 421 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.2416% | 2 |
| Cost of funding earning assets | 1.3717% | 276 |
| Net interest margin | 24.8698% | 2 |
| Noninterest income to average assets | 3.5786% | 207 |
| Noninterest expense to average assets | 6.1915% | 206 |
| Loan and lease loss provision to assets | 6.3501% | 5 |
| Net operating income to assets | 10.4365% | 20 |
| Return on assets (ROA) | 10.4365% | 22 |
| Pretax return on assets | 13.4079% | 24 |
| Return on Equity (ROE) | 67.7846% | 8 |
| Retained earnings to average equity (ytd only) | 44.1391% | 6 |
| Net charge-offs to loans | 5.0893% | 32 |
| Credit loss provision to net charge-offs | 129.8623% | 2,159 |
| Earnings coverage of net charge-offs (x) | 4.0406% | 3,500 |
| Efficiency ratio | 21.0605% | 7,050 |
| Assets per employee ($millions) | 71.5294% | 22 |
| Cash dividends to net income (ytd only)* | 34.8833% | 3,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2219% | 41 |
| Loan loss allowance to noncurrent loans | 345.7953% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 2.0484% | 2,394 |
| Noncurrent loans to loans | 2.0885% | 2,594 |
| Net loans and leases to total assets | 90.9981% | 28 |
| Net loans and leases to deposits | 184.6500% | 18 |
| Net loans and leases to core deposits | 29,113.9297% | 4 |
| Total domestic deposits to total assets | 49.2814% | 7,017 |
| Equity capital to assets | 15.7727% | 595 |
| Core capital (leverage) ratio | 16.5289% | 394 |
| Tier 1 risk-based capital ratio | 16.3644% | 2,955 |
| Total risk-based capital ratio | 17.6935% | 2,886 |
| Memoranda: | ||
| Average total assets | $824,044,200 | 799 |
| Average earning assets | $741,247,400 | 805 |
| Average equity | $126,874,000 | 568 |
| Average total loans | $791,762,200 | 512 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.2204% | 2 |
| Cost of funding earning assets | 1.3703% | 332 |
| Net interest margin | 25.8501% | 2 |
| Noninterest income to average assets | 3.3636% | 219 |
| Noninterest expense to average assets | 6.3284% | 188 |
| Loan and lease loss provision to assets | 6.1545% | 6 |
| Net operating income to assets | 10.5299% | 17 |
| Return on assets (ROA) | 10.5299% | 17 |
| Pretax return on assets | 13.9653% | 22 |
| Return on Equity (ROE) | 68.9324% | 8 |
| Retained earnings to average equity (ytd only) | 43.7452% | 9 |
| Net charge-offs to loans | 5.1515% | 36 |
| Credit loss provision to net charge-offs | 125.1774% | 2,303 |
| Earnings coverage of net charge-offs (x) | 4.0922% | 3,405 |
| Efficiency ratio | 21.0278% | 7,148 |
| Assets per employee ($millions) | 68.2358% | 25 |
| Cash dividends to net income (ytd only)* | 36.5390% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0188% | 42 |
| Loan loss allowance to noncurrent loans | 351.2177% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 1.9303% | 2,741 |
| Noncurrent loans to loans | 1.9984% | 2,843 |
| Net loans and leases to total assets | 89.8112% | 49 |
| Net loans and leases to deposits | 182.0992% | 18 |
| Net loans and leases to core deposits | 28,834.0210% | 5 |
| Total domestic deposits to total assets | 49.3199% | 7,113 |
| Equity capital to assets | 15.9009% | 626 |
| Core capital (leverage) ratio | 16.6845% | 405 |
| Tier 1 risk-based capital ratio | 16.5665% | 2,959 |
| Total risk-based capital ratio | 17.8953% | 2,890 |
| Memoranda: | ||
| Average total assets | $779,702,250 | 858 |
| Average earning assets | $696,289,250 | 874 |
| Average equity | $119,105,000 | 603 |
| Average total loans | $744,153,000 | 552 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.3778% | 2 |
| Cost of funding earning assets | 1.3102% | 503 |
| Net interest margin | 26.0676% | 2 |
| Noninterest income to average assets | 2.6699% | 277 |
| Noninterest expense to average assets | 6.4066% | 182 |
| Loan and lease loss provision to assets | 6.0553% | 11 |
| Net operating income to assets | 10.2068% | 19 |
| Return on assets (ROA) | 10.2068% | 20 |
| Pretax return on assets | 13.3416% | 20 |
| Return on Equity (ROE) | 67.9222% | 8 |
| Retained earnings to average equity (ytd only) | 41.0861% | 26 |
| Net charge-offs to loans | 5.3886% | 50 |
| Credit loss provision to net charge-offs | 118.3055% | 2,325 |
| Earnings coverage of net charge-offs (x) | 3.7897% | 3,265 |
| Efficiency ratio | 21.7341% | 7,206 |
| Assets per employee ($millions) | 79.8004% | 21 |
| Cash dividends to net income (ytd only)* | 39.5101% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3348% | 42 |
| Loan loss allowance to noncurrent loans | 403.0379% | 907 |
| Noncurrent assets plus other real estate owned to assets | 1.7531% | 3,100 |
| Noncurrent loans to loans | 1.8199% | 3,190 |
| Net loans and leases to total assets | 89.2665% | 53 |
| Net loans and leases to deposits | 175.7791% | 15 |
| Net loans and leases to core deposits | 26,354.0511% | 5 |
| Total domestic deposits to total assets | 50.7833% | 7,179 |
| Equity capital to assets | 15.6449% | 654 |
| Core capital (leverage) ratio | 16.2611% | 438 |
| Tier 1 risk-based capital ratio | 16.2669% | 3,022 |
| Total risk-based capital ratio | 17.5979% | 2,956 |
| Memoranda: | ||
| Average total assets | $743,914,670 | 904 |
| Average earning assets | $660,184,330 | 924 |
| Average equity | $111,789,670 | 638 |
| Average total loans | $706,596,330 | 584 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.9948% | 2 |
| Cost of funding earning assets | 1.5660% | 217 |
| Net interest margin | 26.4288% | 2 |
| Noninterest income to average assets | 2.0723% | 383 |
| Noninterest expense to average assets | 6.4653% | 170 |
| Loan and lease loss provision to assets | 5.7991% | 14 |
| Net operating income to assets | 8.0517% | 28 |
| Return on assets (ROA) | 8.0517% | 29 |
| Pretax return on assets | 13.0015% | 25 |
| Return on Equity (ROE) | 54.8351% | 24 |
| Retained earnings to average equity (ytd only) | 26.3345% | 76 |
| Net charge-offs to loans | 5.6548% | 74 |
| Credit loss provision to net charge-offs | 108.8272% | 2,150 |
| Earnings coverage of net charge-offs (x) | 3.5282% | 2,810 |
| Efficiency ratio | 22.3714% | 7,269 |
| Assets per employee ($millions) | 72.6860% | 22 |
| Cash dividends to net income (ytd only)* | 51.9751% | 1,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7816% | 36 |
| Loan loss allowance to noncurrent loans | 428.8119% | 791 |
| Noncurrent assets plus other real estate owned to assets | 1.7243% | 3,276 |
| Noncurrent loans to loans | 1.8147% | 3,388 |
| Net loans and leases to total assets | 87.6233% | 78 |
| Net loans and leases to deposits | 171.0145% | 16 |
| Net loans and leases to core deposits | 23,329.6337% | 5 |
| Total domestic deposits to total assets | 51.2374% | 7,238 |
| Equity capital to assets | 14.9589% | 754 |
| Core capital (leverage) ratio | 14.9096% | 611 |
| Tier 1 risk-based capital ratio | 15.5035% | 3,448 |
| Total risk-based capital ratio | 16.8372% | 3,366 |
| Memoranda: | ||
| Average total assets | $716,870,000 | 930 |
| Average earning assets | $629,117,500 | 956 |
| Average equity | $105,261,000 | 669 |
| Average total loans | $675,527,000 | 616 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.9186% | 2 |
| Cost of funding earning assets | 2.0209% | 90 |
| Net interest margin | 25.8977% | 3 |
| Noninterest income to average assets | 1.4322% | 634 |
| Noninterest expense to average assets | 6.6470% | 161 |
| Loan and lease loss provision to assets | 8.2292% | 3 |
| Net operating income to assets | 5.4483% | 39 |
| Return on assets (ROA) | 5.4483% | 40 |
| Pretax return on assets | 8.6543% | 34 |
| Return on Equity (ROE) | 37.8940% | 21 |
| Retained earnings to average equity (ytd only) | 32.1755% | 11 |
| Net charge-offs to loans | 6.5913% | 38 |
| Credit loss provision to net charge-offs | 135.8848% | 2,206 |
| Earnings coverage of net charge-offs (x) | 2.7879% | 3,826 |
| Efficiency ratio | 23.9584% | 7,318 |
| Assets per employee ($millions) | 78.5422% | 25 |
| Cash dividends to net income (ytd only)* | 15.0907% | 3,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0102% | 31 |
| Loan loss allowance to noncurrent loans | 397.9239% | 843 |
| Noncurrent assets plus other real estate owned to assets | 1.8807% | 3,137 |
| Noncurrent loans to loans | 2.0130% | 3,189 |
| Net loans and leases to total assets | 85.9427% | 131 |
| Net loans and leases to deposits | 172.2671% | 20 |
| Net loans and leases to core deposits | 23,528.7374% | 7 |
| Total domestic deposits to total assets | 49.8892% | 7,287 |
| Equity capital to assets | 14.4002% | 932 |
| Core capital (leverage) ratio | 15.5203% | 522 |
| Tier 1 risk-based capital ratio | 15.0330% | 3,617 |
| Total risk-based capital ratio | 16.3689% | 3,535 |
| Memoranda: | ||
| Average total assets | $608,138,200 | 1,075 |
| Average earning assets | $518,919,600 | 1,153 |
| Average equity | $87,436,000 | 769 |
| Average total loans | $558,752,400 | 755 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.2498% | 3 |
| Cost of funding earning assets | 2.1639% | 67 |
| Net interest margin | 26.0859% | 2 |
| Noninterest income to average assets | 1.3051% | 771 |
| Noninterest expense to average assets | 6.8144% | 146 |
| Loan and lease loss provision to assets | 8.2098% | 7 |
| Net operating income to assets | 5.2900% | 38 |
| Return on assets (ROA) | 5.2900% | 40 |
| Pretax return on assets | 8.4127% | 37 |
| Return on Equity (ROE) | 36.8106% | 28 |
| Retained earnings to average equity (ytd only) | 36.8106% | 17 |
| Net charge-offs to loans | 6.7365% | 45 |
| Credit loss provision to net charge-offs | 133.3210% | 2,391 |
| Earnings coverage of net charge-offs (x) | 2.6994% | 3,774 |
| Efficiency ratio | 24.5963% | 7,385 |
| Assets per employee ($millions) | 67.6727% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4739% | 25 |
| Loan loss allowance to noncurrent loans | 393.6499% | 824 |
| Noncurrent assets plus other real estate owned to assets | 2.0297% | 3,108 |
| Noncurrent loans to loans | 2.1526% | 3,177 |
| Net loans and leases to total assets | 86.2989% | 125 |
| Net loans and leases to deposits | 199.2566% | 18 |
| Net loans and leases to core deposits | 21,202.3800% | 8 |
| Total domestic deposits to total assets | 43.3104% | 7,373 |
| Equity capital to assets | 15.8919% | 650 |
| Core capital (leverage) ratio | 16.0061% | 504 |
| Tier 1 risk-based capital ratio | 16.1765% | 3,025 |
| Total risk-based capital ratio | 17.5210% | 2,948 |
| Memoranda: | ||
| Average total assets | $583,452,750 | 1,128 |
| Average earning assets | $495,014,500 | 1,229 |
| Average equity | $83,847,000 | 805 |
| Average total loans | $533,337,500 | 797 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.7080% | 3 |
| Cost of funding earning assets | 2.3150% | 56 |
| Net interest margin | 25.3930% | 3 |
| Noninterest income to average assets | 1.2030% | 888 |
| Noninterest expense to average assets | 6.8121% | 149 |
| Loan and lease loss provision to assets | 8.5021% | 5 |
| Net operating income to assets | 4.5095% | 55 |
| Return on assets (ROA) | 4.5095% | 56 |
| Pretax return on assets | 7.1391% | 46 |
| Return on Equity (ROE) | 32.5979% | 55 |
| Retained earnings to average equity (ytd only) | 32.5979% | 34 |
| Net charge-offs to loans | 7.0107% | 54 |
| Credit loss provision to net charge-offs | 134.1604% | 2,278 |
| Earnings coverage of net charge-offs (x) | 2.4681% | 3,585 |
| Efficiency ratio | 25.6523% | 7,456 |
| Assets per employee ($millions) | 74.6105% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3973% | 27 |
| Loan loss allowance to noncurrent loans | 422.5219% | 768 |
| Noncurrent assets plus other real estate owned to assets | 1.8203% | 3,480 |
| Noncurrent loans to loans | 1.9874% | 3,503 |
| Net loans and leases to total assets | 83.8987% | 250 |
| Net loans and leases to deposits | 191.8954% | 21 |
| Net loans and leases to core deposits | 20,168.2642% | 8 |
| Total domestic deposits to total assets | 43.7211% | 7,443 |
| Equity capital to assets | 14.4981% | 939 |
| Core capital (leverage) ratio | 14.5205% | 758 |
| Tier 1 risk-based capital ratio | 15.0379% | 3,474 |
| Total risk-based capital ratio | 16.3732% | 3,402 |
| Memoranda: | ||
| Average total assets | $574,919,000 | 1,163 |
| Average earning assets | $481,125,330 | 1,276 |
| Average equity | $79,532,670 | 848 |
| Average total loans | $519,693,330 | 824 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.9575% | 3 |
| Cost of funding earning assets | 2.5645% | 32 |
| Net interest margin | 24.3930% | 4 |
| Noninterest income to average assets | 1.3101% | 749 |
| Noninterest expense to average assets | 6.8298% | 157 |
| Loan and lease loss provision to assets | 9.2578% | 18 |
| Net operating income to assets | 3.5252% | 92 |
| Return on assets (ROA) | 3.5252% | 94 |
| Pretax return on assets | 5.4900% | 65 |
| Return on Equity (ROE) | 26.1474% | 139 |
| Retained earnings to average equity (ytd only) | 26.1474% | 87 |
| Net charge-offs to loans | 7.6729% | 60 |
| Credit loss provision to net charge-offs | 134.4181% | 2,063 |
| Earnings coverage of net charge-offs (x) | 2.1413% | 3,235 |
| Efficiency ratio | 26.8663% | 7,505 |
| Assets per employee ($millions) | 73.5649% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.4994% | 30 |
| Loan loss allowance to noncurrent loans | 402.7422% | 777 |
| Noncurrent assets plus other real estate owned to assets | 1.8961% | 3,442 |
| Noncurrent loans to loans | 2.1104% | 3,432 |
| Net loans and leases to total assets | 82.2108% | 332 |
| Net loans and leases to deposits | 183.0352% | 21 |
| Net loans and leases to core deposits | 17,066.1728% | 11 |
| Total domestic deposits to total assets | 44.9153% | 7,499 |
| Equity capital to assets | 13.3409% | 1,246 |
| Core capital (leverage) ratio | 13.0904% | 1,099 |
| Tier 1 risk-based capital ratio | 11.3304% | 6,225 |
| Total risk-based capital ratio | 12.6450% | 6,170 |
| Memoranda: | ||
| Average total assets | $563,936,500 | 1,198 |
| Average earning assets | $468,560,000 | 1,317 |
| Average equity | $76,030,500 | 881 |
| Average total loans | $506,197,500 | 868 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.6153% | 2 |
| Cost of funding earning assets | 3.1488% | 19 |
| Net interest margin | 23.4665% | 3 |
| Noninterest income to average assets | 0.3695% | 5,144 |
| Noninterest expense to average assets | 6.0041% | 230 |
| Loan and lease loss provision to assets | 8.7637% | 12 |
| Net operating income to assets | 2.7017% | 92 |
| Return on assets (ROA) | 2.3089% | 160 |
| Pretax return on assets | 3.6785% | 79 |
| Return on Equity (ROE) | 16.0730% | 575 |
| Retained earnings to average equity (ytd only) | 16.0730% | 98 |
| Net charge-offs to loans | 8.8315% | 23 |
| Credit loss provision to net charge-offs | 121.3176% | 3,466 |
| Earnings coverage of net charge-offs (x) | 1.7768% | 4,383 |
| Efficiency ratio | 25.1574% | 7,606 |
| Assets per employee ($millions) | 67.4193% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.2055% | 39 |
| Loan loss allowance to noncurrent loans | 324.8527% | 947 |
| Noncurrent assets plus other real estate owned to assets | 2.2649% | 3,009 |
| Noncurrent loans to loans | 2.5259% | 3,000 |
| Net loans and leases to total assets | 82.3101% | 424 |
| Net loans and leases to deposits | 216.2432% | 21 |
| Net loans and leases to core deposits | 26,145.0530% | 9 |
| Total domestic deposits to total assets | 38.0637% | 7,587 |
| Equity capital to assets | 13.6361% | 1,146 |
| Core capital (leverage) ratio | 14.5581% | 738 |
| Tier 1 risk-based capital ratio | 11.8159% | 5,643 |
| Total risk-based capital ratio | 13.1297% | 5,575 |
| Memoranda: | ||
| Average total assets | $483,918,200 | 1,384 |
| Average earning assets | $380,875,400 | 1,582 |
| Average equity | $69,514,000 | 966 |
| Average total loans | $395,821,800 | 1,140 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.9901% | 2 |
| Cost of funding earning assets | 3.3140% | 15 |
| Net interest margin | 23.6760% | 3 |
| Noninterest income to average assets | 0.2601% | 6,040 |
| Noninterest expense to average assets | 6.7198% | 164 |
| Loan and lease loss provision to assets | 8.3491% | 13 |
| Net operating income to assets | 2.4093% | 164 |
| Return on assets (ROA) | 2.4093% | 167 |
| Pretax return on assets | 3.5220% | 89 |
| Return on Equity (ROE) | 16.5315% | 649 |
| Retained earnings to average equity (ytd only) | 16.5315% | 151 |
| Net charge-offs to loans | 9.0628% | 30 |
| Credit loss provision to net charge-offs | 115.8265% | 3,600 |
| Earnings coverage of net charge-offs (x) | 1.6469% | 4,475 |
| Efficiency ratio | 29.0817% | 7,690 |
| Assets per employee ($millions) | 58.9416% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5625% | 32 |
| Loan loss allowance to noncurrent loans | 325.3612% | 911 |
| Noncurrent assets plus other real estate owned to assets | 2.3631% | 3,014 |
| Noncurrent loans to loans | 2.6317% | 2,991 |
| Net loans and leases to total assets | 82.1071% | 481 |
| Net loans and leases to deposits | 136.2584% | 54 |
| Net loans and leases to core deposits | 23,636.2637% | 9 |
| Total domestic deposits to total assets | 60.2583% | 7,590 |
| Equity capital to assets | 15.0342% | 882 |
| Core capital (leverage) ratio | 15.0032% | 716 |
| Tier 1 risk-based capital ratio | 12.8412% | 4,697 |
| Total risk-based capital ratio | 14.1620% | 4,626 |
| Memoranda: | ||
| Average total assets | $470,059,250 | 1,442 |
| Average earning assets | $363,937,250 | 1,674 |
| Average equity | $68,505,750 | 975 |
| Average total loans | $373,870,500 | 1,220 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.8832% | 2 |
| Cost of funding earning assets | 3.2875% | 20 |
| Net interest margin | 23.5957% | 3 |
| Noninterest income to average assets | 0.2683% | 6,005 |
| Noninterest expense to average assets | 7.7092% | 127 |
| Loan and lease loss provision to assets | 7.3250% | 37 |
| Net operating income to assets | 2.1224% | 270 |
| Return on assets (ROA) | 2.1224% | 293 |
| Pretax return on assets | 3.0534% | 123 |
| Return on Equity (ROE) | 14.7185% | 907 |
| Retained earnings to average equity (ytd only) | 14.7185% | 262 |
| Net charge-offs to loans | 9.3543% | 41 |
| Credit loss provision to net charge-offs | 102.8958% | 3,962 |
| Earnings coverage of net charge-offs (x) | 1.4579% | 4,394 |
| Efficiency ratio | 35.3145% | 7,705 |
| Assets per employee ($millions) | 59.5990% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9334% | 39 |
| Loan loss allowance to noncurrent loans | 327.6615% | 898 |
| Noncurrent assets plus other real estate owned to assets | 2.0942% | 3,385 |
| Noncurrent loans to loans | 2.4212% | 3,226 |
| Net loans and leases to total assets | 79.6322% | 857 |
| Net loans and leases to deposits | 118.4043% | 148 |
| Net loans and leases to core deposits | 24,276.2148% | 7 |
| Total domestic deposits to total assets | 67.2545% | 7,464 |
| Equity capital to assets | 14.1378% | 1,124 |
| Core capital (leverage) ratio | 13.2650% | 1,123 |
| Tier 1 risk-based capital ratio | 12.0926% | 5,233 |
| Total risk-based capital ratio | 13.4135% | 5,141 |
| Memoranda: | ||
| Average total assets | $469,568,000 | 1,455 |
| Average earning assets | $354,615,670 | 1,722 |
| Average equity | $67,710,670 | 982 |
| Average total loans | $357,355,000 | 1,282 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.2057% | 2 |
| Cost of funding earning assets | 3.6796% | 9 |
| Net interest margin | 22.5261% | 5 |
| Noninterest income to average assets | 0.2790% | 5,911 |
| Noninterest expense to average assets | 7.8342% | 126 |
| Loan and lease loss provision to assets | 5.6340% | 126 |
| Net operating income to assets | 2.4011% | 172 |
| Return on assets (ROA) | 2.4011% | 191 |
| Pretax return on assets | 3.2338% | 120 |
| Return on Equity (ROE) | 16.4864% | 652 |
| Retained earnings to average equity (ytd only) | 16.4864% | 308 |
| Net charge-offs to loans | 10.0948% | 54 |
| Credit loss provision to net charge-offs | 78.8443% | 3,906 |
| Earnings coverage of net charge-offs (x) | 1.2410% | 4,016 |
| Efficiency ratio | 38.9340% | 7,761 |
| Assets per employee ($millions) | 64.0863% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6120% | 42 |
| Loan loss allowance to noncurrent loans | 317.7704% | 953 |
| Noncurrent assets plus other real estate owned to assets | 1.8703% | 3,676 |
| Noncurrent loans to loans | 2.3954% | 3,275 |
| Net loans and leases to total assets | 72.1354% | 2,416 |
| Net loans and leases to deposits | 108.2979% | 334 |
| Net loans and leases to core deposits | 21,831.8182% | 8 |
| Total domestic deposits to total assets | 66.6083% | 7,596 |
| Equity capital to assets | 12.7077% | 1,651 |
| Core capital (leverage) ratio | 12.3345% | 1,478 |
| Tier 1 risk-based capital ratio | 10.5121% | 6,619 |
| Total risk-based capital ratio | 11.8165% | 6,567 |
| Memoranda: | ||
| Average total assets | $465,956,000 | 1,505 |
| Average earning assets | $339,713,000 | 1,841 |
| Average equity | $67,862,000 | 979 |
| Average total loans | $329,834,000 | 1,426 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.3206% | 10 |
| Cost of funding earning assets | 2.4079% | 1,276 |
| Net interest margin | 13.9127% | 9 |
| Noninterest income to average assets | 5.1678% | 139 |
| Noninterest expense to average assets | 3.6317% | 2,073 |
| Loan and lease loss provision to assets | 4.3782% | 279 |
| Net operating income to assets | 5.0673% | 26 |
| Return on assets (ROA) | 0.5810% | 3,477 |
| Pretax return on assets | 3.2301% | 79 |
| Return on Equity (ROE) | 2.7952% | 4,590 |
| Retained earnings to average equity (ytd only) | 2.7952% | 3,207 |
| Net charge-offs to loans | 3.6652% | 509 |
| Credit loss provision to net charge-offs | 168.2096% | 2,557 |
| Earnings coverage of net charge-offs (x) | 4.6467% | 2,868 |
| Efficiency ratio | 10.8870% | 7,991 |
| Assets per employee ($millions) | 69.8703% | 32 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6304% | 75 |
| Loan loss allowance to noncurrent loans | 337.3945% | 955 |
| Noncurrent assets plus other real estate owned to assets | 1.2158% | 4,665 |
| Noncurrent loans to loans | 1.9652% | 3,702 |
| Net loans and leases to total assets | 57.7663% | 5,695 |
| Net loans and leases to deposits | 70.9956% | 5,468 |
| Net loans and leases to core deposits | 16,101.6622% | 7 |
| Total domestic deposits to total assets | 81.3660% | 5,207 |
| Equity capital to assets | 16.8343% | 575 |
| Core capital (leverage) ratio | 18.1097% | 399 |
| Tier 1 risk-based capital ratio | 9.9415% | 6,925 |
| Total risk-based capital ratio | 11.2102% | 6,887 |
| Memoranda: | ||
| Average total assets | $346,120,800 | 1,972 |
| Average earning assets | $262,674,000 | 2,302 |
| Average equity | $71,943,800 | 911 |
| Average total loans | $245,797,800 | 1,917 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.7406% | 4 |
| Cost of funding earning assets | 2.9862% | 344 |
| Net interest margin | 16.7544% | 6 |
| Noninterest income to average assets | 6.5013% | 115 |
| Noninterest expense to average assets | 9.8296% | 104 |
| Loan and lease loss provision to assets | 6.7823% | 80 |
| Net operating income to assets | 2.0432% | 267 |
| Return on assets (ROA) | 2.0432% | 294 |
| Pretax return on assets | 3.1693% | 92 |
| Return on Equity (ROE) | 9.2666% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.2666% | 778 |
| Net charge-offs to loans | 4.1456% | 327 |
| Credit loss provision to net charge-offs | 221.2684% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.2467% | 3,615 |
| Efficiency ratio | 39.4079% | 7,936 |
| Assets per employee ($millions) | 54.2847% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0768% | 31 |
| Loan loss allowance to noncurrent loans | 128.6182% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 4.6622% | 1,289 |
| Noncurrent loans to loans | 6.2797% | 930 |
| Net loans and leases to total assets | 68.2463% | 3,903 |
| Net loans and leases to deposits | 87.6595% | 3,029 |
| Net loans and leases to core deposits | 20,930.6699% | 6 |
| Total domestic deposits to total assets | 77.8538% | 6,128 |
| Equity capital to assets | 18.9651% | 423 |
| Core capital (leverage) ratio | 20.7881% | 271 |
| Tier 1 risk-based capital ratio | 13.0082% | 4,186 |
| Total risk-based capital ratio | 14.2985% | 4,093 |
| Memoranda: | ||
| Average total assets | $327,845,500 | 2,083 |
| Average earning assets | $259,857,500 | 2,339 |
| Average equity | $72,286,500 | 916 |
| Average total loans | $242,405,750 | 1,951 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.1275% | 7 |
| Cost of funding earning assets | 3.1288% | 324 |
| Net interest margin | 15.9987% | 6 |
| Noninterest income to average assets | 6.4523% | 111 |
| Noninterest expense to average assets | 10.1339% | 111 |
| Loan and lease loss provision to assets | 6.0735% | 130 |
| Net operating income to assets | 1.8366% | 425 |
| Return on assets (ROA) | 1.8366% | 460 |
| Pretax return on assets | 2.8577% | 120 |
| Return on Equity (ROE) | 7.8800% | 2,823 |
| Retained earnings to average equity (ytd only) | 7.8800% | 1,250 |
| Net charge-offs to loans | 2.3337% | 764 |
| Credit loss provision to net charge-offs | 352.5804% | 1,317 |
| Earnings coverage of net charge-offs (x) | 5.1847% | 2,894 |
| Efficiency ratio | 41.8855% | 7,977 |
| Assets per employee ($millions) | 55.4532% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5911% | 38 |
| Loan loss allowance to noncurrent loans | 154.5923% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 3.9661% | 1,506 |
| Noncurrent loans to loans | 4.9104% | 1,264 |
| Net loans and leases to total assets | 74.6387% | 2,532 |
| Net loans and leases to deposits | 109.7380% | 561 |
| Net loans and leases to core deposits | 19,102.8462% | 5 |
| Total domestic deposits to total assets | 68.0154% | 7,626 |
| Equity capital to assets | 22.1457% | 278 |
| Core capital (leverage) ratio | 22.6339% | 256 |
| Tier 1 risk-based capital ratio | 16.2895% | 2,522 |
| Total risk-based capital ratio | 17.5896% | 2,455 |
| Memoranda: | ||
| Average total assets | $310,463,000 | 2,197 |
| Average earning assets | $244,757,000 | 2,479 |
| Average equity | $72,360,000 | 927 |
| Average total loans | $229,168,670 | 2,090 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.5203% | 6 |
| Cost of funding earning assets | 3.4347% | 176 |
| Net interest margin | 15.0856% | 8 |
| Noninterest income to average assets | 7.6530% | 86 |
| Noninterest expense to average assets | 10.3389% | 107 |
| Loan and lease loss provision to assets | 4.6062% | 193 |
| Net operating income to assets | 2.8209% | 83 |
| Return on assets (ROA) | 2.8209% | 101 |
| Pretax return on assets | 4.3817% | 52 |
| Return on Equity (ROE) | 11.7771% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.7771% | 829 |
| Net charge-offs to loans | 1.0736% | 1,268 |
| Credit loss provision to net charge-offs | 613.3452% | 925 |
| Earnings coverage of net charge-offs (x) | 11.9680% | 1,831 |
| Efficiency ratio | 41.9692% | 7,999 |
| Assets per employee ($millions) | 43.3306% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4189% | 38 |
| Loan loss allowance to noncurrent loans | 260.5769% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 2.0916% | 2,763 |
| Noncurrent loans to loans | 2.8471% | 2,296 |
| Net loans and leases to total assets | 68.0130% | 4,135 |
| Net loans and leases to deposits | 99.8698% | 1,432 |
| Net loans and leases to core deposits | 14,110.3283% | 7 |
| Total domestic deposits to total assets | 68.1017% | 7,589 |
| Equity capital to assets | 24.0358% | 246 |
| Core capital (leverage) ratio | 23.0442% | 279 |
| Tier 1 risk-based capital ratio | 16.8590% | 2,382 |
| Total risk-based capital ratio | 18.1519% | 2,300 |
| Memoranda: | ||
| Average total assets | $299,335,000 | 2,271 |
| Average earning assets | $231,638,000 | 2,626 |
| Average equity | $71,698,500 | 936 |
| Average total loans | $209,384,500 | 2,275 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.1879% | 6 |
| Cost of funding earning assets | 3.2303% | 1,098 |
| Net interest margin | 17.9576% | 6 |
| Noninterest income to average assets | 9.3611% | 80 |
| Noninterest expense to average assets | 9.9334% | 144 |
| Loan and lease loss provision to assets | 4.5520% | 131 |
| Net operating income to assets | 5.7765% | 29 |
| Return on assets (ROA) | 5.7765% | 30 |
| Pretax return on assets | 9.4009% | 29 |
| Return on Equity (ROE) | 17.0620% | 623 |
| Retained earnings to average equity (ytd only) | 3.8609% | 2,724 |
| Net charge-offs to loans | 6.4817% | 46 |
| Credit loss provision to net charge-offs | 103.2821% | 5,175 |
| Earnings coverage of net charge-offs (x) | 3.1658% | 4,503 |
| Efficiency ratio | 31.8365% | 8,224 |
| Assets per employee ($millions) | 42.1937% | 42 |
| Cash dividends to net income (ytd only)* | 77.3710% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9642% | 32 |
| Loan loss allowance to noncurrent loans | 387.8908% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 3,869 |
| Noncurrent loans to loans | 1.7954% | 3,068 |
| Net loans and leases to total assets | 61.7218% | 5,664 |
| Net loans and leases to deposits | 86.0575% | 4,109 |
| Net loans and leases to core deposits | 21,858.3933% | 4 |
| Total domestic deposits to total assets | 71.7216% | 7,049 |
| Equity capital to assets | 23.8671% | 291 |
| Core capital (leverage) ratio | 22.6428% | 319 |
| Tier 1 risk-based capital ratio | 16.0053% | 2,662 |
| Total risk-based capital ratio | 17.2887% | 2,594 |
| Memoranda: | ||
| Average total assets | $208,085,400 | 3,030 |
| Average earning assets | $168,313,400 | 3,359 |
| Average equity | $70,449,000 | 943 |
| Average total loans | $141,489,800 | 3,070 |