Home > CrossFirst Bank > Performance and Condition Ratios
CrossFirst 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 | 6.5083% | 346 |
| Cost of funding earning assets | 3.1352% | 119 |
| Net interest margin | 3.3731% | 2,464 |
| Noninterest income to average assets | 0.3100% | 3,052 |
| Noninterest expense to average assets | 2.0795% | 3,453 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.9764% | 2,287 |
| Return on assets (ROA) | 0.9647% | 2,309 |
| Pretax return on assets | 1.2143% | 2,102 |
| Return on Equity (ROE) | 10.4000% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.7806% | 1,603 |
| Net charge-offs to loans | 0.0936% | 949 |
| Credit loss provision to net charge-offs | 310.0999% | 931 |
| Earnings coverage of net charge-offs (x) | 18.6650% | 1,927 |
| Efficiency ratio | 57.7482% | 3,321 |
| Assets per employee ($millions) | 16.3889% | 164 |
| Cash dividends to net income (ytd only)* | 25.1578% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 2,304 |
| Loan loss allowance to noncurrent loans | 295.7050% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.3369% | 1,607 |
| Noncurrent loans to loans | 0.4054% | 1,771 |
| Net loans and leases to total assets | 82.0900% | 425 |
| Net loans and leases to deposits | 93.2321% | 997 |
| Net loans and leases to core deposits | 120.9792% | 593 |
| Total domestic deposits to total assets | 88.0500% | 1,337 |
| Equity capital to assets | 9.5394% | 2,322 |
| Core capital (leverage) ratio | 9.8616% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1229% | 2,800 |
| Memoranda: | ||
| Average total assets | $7,030,572,400 | 211 |
| Average earning assets | $6,686,017,400 | 202 |
| Average equity | $652,406,200 | 224 |
| Average total loans | $5,778,081,800 | 184 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4116% | 336 |
| Cost of funding earning assets | 3.0077% | 117 |
| Net interest margin | 3.4039% | 2,446 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.1328% | 3,260 |
| Loan and lease loss provision to assets | 0.2000% | 543 |
| Net operating income to assets | 0.9617% | 2,475 |
| Return on assets (ROA) | 0.9628% | 2,461 |
| Pretax return on assets | 1.2106% | 2,274 |
| Return on Equity (ROE) | 10.4500% | 2,518 |
| Retained earnings to average equity (ytd only) | 8.5667% | 1,801 |
| Net charge-offs to loans | 0.0823% | 903 |
| Credit loss provision to net charge-offs | 369.0578% | 759 |
| Earnings coverage of net charge-offs (x) | 20.8859% | 1,796 |
| Efficiency ratio | 58.8424% | 3,106 |
| Assets per employee ($millions) | 15.8742% | 168 |
| Cash dividends to net income (ytd only)* | 18.0469% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,338 |
| Loan loss allowance to noncurrent loans | 195.4388% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 0.5103% | 1,141 |
| Noncurrent loans to loans | 0.6158% | 1,320 |
| Net loans and leases to total assets | 81.8700% | 446 |
| Net loans and leases to deposits | 92.7494% | 991 |
| Net loans and leases to core deposits | 120.6969% | 535 |
| Total domestic deposits to total assets | 88.2700% | 1,486 |
| Equity capital to assets | 9.0106% | 2,407 |
| Core capital (leverage) ratio | 9.8983% | 2,915 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9342% | 2,836 |
| Memoranda: | ||
| Average total assets | $6,944,462,750 | 212 |
| Average earning assets | $6,599,087,250 | 205 |
| Average equity | $639,624,750 | 226 |
| Average total loans | $5,690,679,750 | 186 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2717% | 324 |
| Cost of funding earning assets | 2.8055% | 110 |
| Net interest margin | 3.4662% | 2,354 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.1851% | 3,118 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.9547% | 2,568 |
| Return on assets (ROA) | 0.9565% | 2,551 |
| Pretax return on assets | 1.1984% | 2,361 |
| Return on Equity (ROE) | 10.3100% | 2,620 |
| Retained earnings to average equity (ytd only) | 10.3071% | 1,329 |
| Net charge-offs to loans | 0.0801% | 785 |
| Credit loss provision to net charge-offs | 358.1105% | 777 |
| Earnings coverage of net charge-offs (x) | 21.4501% | 1,720 |
| Efficiency ratio | 59.6009% | 3,008 |
| Assets per employee ($millions) | 15.7771% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1656% | 2,621 |
| Loan loss allowance to noncurrent loans | 501.4993% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 2,250 |
| Noncurrent loans to loans | 0.2324% | 2,333 |
| Net loans and leases to total assets | 80.5200% | 584 |
| Net loans and leases to deposits | 93.8945% | 877 |
| Net loans and leases to core deposits | 125.1167% | 406 |
| Total domestic deposits to total assets | 85.7500% | 2,312 |
| Equity capital to assets | 9.2052% | 2,373 |
| Core capital (leverage) ratio | 9.8932% | 2,858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.6977% | 2,885 |
| Memoranda: | ||
| Average total assets | $6,867,578,000 | 210 |
| Average earning assets | $6,527,186,667 | 201 |
| Average equity | $637,326,333 | 222 |
| Average total loans | $5,605,655,333 | 180 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0926% | 281 |
| Cost of funding earning assets | 2.4464% | 109 |
| Net interest margin | 3.6463% | 2,019 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.2375% | 2,995 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 0.9724% | 2,617 |
| Return on assets (ROA) | 0.9759% | 2,575 |
| Pretax return on assets | 1.2183% | 2,380 |
| Return on Equity (ROE) | 10.4700% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.4708% | 1,584 |
| Net charge-offs to loans | 0.1191% | 537 |
| Credit loss provision to net charge-offs | 304.4485% | 685 |
| Earnings coverage of net charge-offs (x) | 15.1664% | 1,551 |
| Efficiency ratio | 58.9369% | 3,080 |
| Assets per employee ($millions) | 14.8184% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 2,808 |
| Loan loss allowance to noncurrent loans | 629.3970% | 1,374 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 2,373 |
| Noncurrent loans to loans | 0.1832% | 2,565 |
| Net loans and leases to total assets | 81.0200% | 455 |
| Net loans and leases to deposits | 95.6059% | 673 |
| Net loans and leases to core deposits | 120.1869% | 426 |
| Total domestic deposits to total assets | 84.7400% | 2,921 |
| Equity capital to assets | 9.4105% | 2,220 |
| Core capital (leverage) ratio | 9.9390% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5617% | 2,994 |
| Memoranda: | ||
| Average total assets | $6,743,630,000 | 222 |
| Average earning assets | $6,403,456,500 | 210 |
| Average equity | $628,491,000 | 229 |
| Average total loans | $5,510,184,000 | 187 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4611% | 778 |
| Cost of funding earning assets | 0.9845% | 176 |
| Net interest margin | 3.4767% | 2,003 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.0481% | 3,448 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.0800% | 2,263 |
| Return on assets (ROA) | 1.0782% | 2,213 |
| Pretax return on assets | 1.3577% | 1,913 |
| Return on Equity (ROE) | 10.4400% | 2,664 |
| Retained earnings to average equity (ytd only) | 5.0090% | 3,048 |
| Net charge-offs to loans | 0.0812% | 845 |
| Credit loss provision to net charge-offs | 212.4037% | 1,084 |
| Earnings coverage of net charge-offs (x) | 24.1979% | 1,801 |
| Efficiency ratio | 56.6556% | 3,510 |
| Assets per employee ($millions) | 14.4348% | 225 |
| Cash dividends to net income (ytd only)* | 52.0431% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1498% | 2,643 |
| Loan loss allowance to noncurrent loans | 513.3372% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1996% | 2,176 |
| Noncurrent loans to loans | 0.2240% | 2,372 |
| Net loans and leases to total assets | 80.5100% | 539 |
| Net loans and leases to deposits | 93.9163% | 792 |
| Net loans and leases to core deposits | 107.9175% | 676 |
| Total domestic deposits to total assets | 85.7200% | 2,798 |
| Equity capital to assets | 9.2250% | 2,209 |
| Core capital (leverage) ratio | 10.3304% | 2,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5076% | 3,031 |
| Memoranda: | ||
| Average total assets | $5,853,774,200 | 246 |
| Average earning assets | $5,570,165,400 | 235 |
| Average equity | $604,268,200 | 235 |
| Average total loans | $4,636,878,000 | 203 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 1,062 |
| Cost of funding earning assets | 0.6552% | 325 |
| Net interest margin | 3.4470% | 1,817 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 1.9713% | 3,554 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 1.2049% | 1,680 |
| Return on assets (ROA) | 1.1992% | 1,670 |
| Pretax return on assets | 1.5042% | 1,395 |
| Return on Equity (ROE) | 11.2700% | 2,276 |
| Retained earnings to average equity (ytd only) | 5.7419% | 2,841 |
| Net charge-offs to loans | 0.1216% | 520 |
| Credit loss provision to net charge-offs | 81.1869% | 1,419 |
| Earnings coverage of net charge-offs (x) | 17.0138% | 1,806 |
| Efficiency ratio | 54.7722% | 3,748 |
| Assets per employee ($millions) | 15.4187% | 188 |
| Cash dividends to net income (ytd only)* | 49.0447% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,560 |
| Loan loss allowance to noncurrent loans | 323.8868% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.3118% | 1,694 |
| Noncurrent loans to loans | 0.3687% | 1,920 |
| Net loans and leases to total assets | 79.0900% | 609 |
| Net loans and leases to deposits | 92.4464% | 744 |
| Net loans and leases to core deposits | 103.3697% | 679 |
| Total domestic deposits to total assets | 85.5500% | 3,159 |
| Equity capital to assets | 9.6791% | 1,783 |
| Core capital (leverage) ratio | 11.1581% | 1,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8316% | 2,866 |
| Memoranda: | ||
| Average total assets | $5,668,042,250 | 251 |
| Average earning assets | $5,399,939,250 | 242 |
| Average equity | $603,199,000 | 236 |
| Average total loans | $4,452,915,250 | 209 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 1,399 |
| Cost of funding earning assets | 0.4007% | 913 |
| Net interest margin | 3.3593% | 1,726 |
| Noninterest income to average assets | 0.3357% | 3,148 |
| Noninterest expense to average assets | 1.9718% | 3,507 |
| Loan and lease loss provision to assets | 0.0538% | 1,614 |
| Net operating income to assets | 1.2078% | 1,400 |
| Return on assets (ROA) | 1.2017% | 1,407 |
| Pretax return on assets | 1.5071% | 1,145 |
| Return on Equity (ROE) | 10.9480% | 1,996 |
| Retained earnings to average equity (ytd only) | 2.8266% | 3,497 |
| Net charge-offs to loans | 0.0999% | 588 |
| Credit loss provision to net charge-offs | 62.9003% | 1,449 |
| Earnings coverage of net charge-offs (x) | 20.1240% | 1,552 |
| Efficiency ratio | 55.6574% | 3,808 |
| Assets per employee ($millions) | 15.4089% | 186 |
| Cash dividends to net income (ytd only)* | 74.1819% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,514 |
| Loan loss allowance to noncurrent loans | 186.9227% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 1,054 |
| Noncurrent loans to loans | 0.6594% | 1,300 |
| Net loans and leases to total assets | 78.4458% | 525 |
| Net loans and leases to deposits | 93.8522% | 526 |
| Net loans and leases to core deposits | 106.1987% | 445 |
| Total domestic deposits to total assets | 83.5844% | 3,779 |
| Equity capital to assets | 10.2195% | 1,575 |
| Core capital (leverage) ratio | 11.2937% | 1,440 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1623% | 2,765 |
| Memoranda: | ||
| Average total assets | $5,609,488,000 | 248 |
| Average earning assets | $5,351,015,667 | 242 |
| Average equity | $615,726,333 | 232 |
| Average total loans | $4,378,005,000 | 207 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5865% | 1,542 |
| Cost of funding earning assets | 0.3469% | 1,237 |
| Net interest margin | 3.2396% | 1,753 |
| Noninterest income to average assets | 0.3690% | 2,879 |
| Noninterest expense to average assets | 1.9840% | 3,471 |
| Loan and lease loss provision to assets | -0.0449% | 4,506 |
| Net operating income to assets | 1.2221% | 1,193 |
| Return on assets (ROA) | 1.2147% | 1,197 |
| Pretax return on assets | 1.5223% | 975 |
| Return on Equity (ROE) | 10.6885% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.6885% | 851 |
| Net charge-offs to loans | 0.1005% | 516 |
| Credit loss provision to net charge-offs | -29.2322% | 2,792 |
| Earnings coverage of net charge-offs (x) | 19.1277% | 1,293 |
| Efficiency ratio | 57.1272% | 3,766 |
| Assets per employee ($millions) | 15.1912% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2698% | 2,501 |
| Loan loss allowance to noncurrent loans | 159.6041% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.6452% | 922 |
| Noncurrent loans to loans | 0.7956% | 1,193 |
| Net loans and leases to total assets | 77.8748% | 383 |
| Net loans and leases to deposits | 92.8469% | 404 |
| Net loans and leases to core deposits | 98.6255% | 554 |
| Total domestic deposits to total assets | 83.8744% | 3,795 |
| Equity capital to assets | 11.2162% | 1,224 |
| Core capital (leverage) ratio | 11.5096% | 1,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9300% | 2,633 |
| Memoranda: | ||
| Average total assets | $5,563,592,000 | 254 |
| Average earning assets | $5,326,554,500 | 248 |
| Average equity | $632,267,500 | 233 |
| Average total loans | $4,302,890,500 | 209 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6091% | 2,366 |
| Cost of funding earning assets | 0.4552% | 1,160 |
| Net interest margin | 3.1539% | 2,728 |
| Noninterest income to average assets | 0.3289% | 3,446 |
| Noninterest expense to average assets | 1.7199% | 4,269 |
| Loan and lease loss provision to assets | -0.0715% | 4,449 |
| Net operating income to assets | 1.3546% | 1,426 |
| Return on assets (ROA) | 1.2788% | 1,718 |
| Pretax return on assets | 1.6033% | 1,411 |
| Return on Equity (ROE) | 11.7583% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.7583% | 572 |
| Net charge-offs to loans | 0.2980% | 294 |
| Credit loss provision to net charge-offs | -30.9598% | 3,210 |
| Earnings coverage of net charge-offs (x) | 7.0419% | 2,368 |
| Efficiency ratio | 51.3540% | 4,174 |
| Assets per employee ($millions) | 15.9454% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3715% | 2,041 |
| Loan loss allowance to noncurrent loans | 185.1822% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.5821% | 1,135 |
| Noncurrent loans to loans | 0.7406% | 1,373 |
| Net loans and leases to total assets | 74.7908% | 602 |
| Net loans and leases to deposits | 89.3098% | 592 |
| Net loans and leases to core deposits | 95.8579% | 697 |
| Total domestic deposits to total assets | 83.7432% | 3,627 |
| Equity capital to assets | 11.5099% | 1,508 |
| Core capital (leverage) ratio | 11.4231% | 1,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1703% | 2,572 |
| Memoranda: | ||
| Average total assets | $5,593,559,800 | 248 |
| Average earning assets | $5,351,723,600 | 239 |
| Average equity | $608,321,000 | 237 |
| Average total loans | $4,335,554,000 | 208 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 2,578 |
| Cost of funding earning assets | 0.4651% | 1,249 |
| Net interest margin | 3.1287% | 2,967 |
| Noninterest income to average assets | 0.3221% | 3,500 |
| Noninterest expense to average assets | 1.6733% | 4,365 |
| Loan and lease loss provision to assets | 0.0239% | 2,518 |
| Net operating income to assets | 1.2965% | 1,839 |
| Return on assets (ROA) | 1.1972% | 2,236 |
| Pretax return on assets | 1.4905% | 2,019 |
| Return on Equity (ROE) | 11.1721% | 2,322 |
| Retained earnings to average equity (ytd only) | 11.1721% | 1,019 |
| Net charge-offs to loans | 0.3717% | 209 |
| Credit loss provision to net charge-offs | 8.2352% | 2,026 |
| Earnings coverage of net charge-offs (x) | 5.6559% | 2,218 |
| Efficiency ratio | 50.4844% | 4,179 |
| Assets per employee ($millions) | 15.8781% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 1,573 |
| Loan loss allowance to noncurrent loans | 132.3022% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.9195% | 739 |
| Noncurrent loans to loans | 1.1455% | 981 |
| Net loans and leases to total assets | 77.2239% | 457 |
| Net loans and leases to deposits | 93.3225% | 439 |
| Net loans and leases to core deposits | 101.4701% | 539 |
| Total domestic deposits to total assets | 82.7495% | 3,769 |
| Equity capital to assets | 11.5297% | 1,651 |
| Core capital (leverage) ratio | 11.1890% | 1,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2718% | 2,623 |
| Memoranda: | ||
| Average total assets | $5,588,756,750 | 246 |
| Average earning assets | $5,340,278,500 | 238 |
| Average equity | $598,894,500 | 243 |
| Average total loans | $4,355,389,250 | 209 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5802% | 2,685 |
| Cost of funding earning assets | 0.4870% | 1,281 |
| Net interest margin | 3.0932% | 3,053 |
| Noninterest income to average assets | 0.3321% | 3,438 |
| Noninterest expense to average assets | 1.6462% | 4,449 |
| Loan and lease loss provision to assets | 0.3892% | 166 |
| Net operating income to assets | 1.0196% | 2,830 |
| Return on assets (ROA) | 1.0185% | 2,906 |
| Pretax return on assets | 1.2497% | 2,766 |
| Return on Equity (ROE) | 9.7403% | 2,861 |
| Retained earnings to average equity (ytd only) | 9.7403% | 1,485 |
| Net charge-offs to loans | 0.4915% | 169 |
| Credit loss provision to net charge-offs | 101.8236% | 1,348 |
| Earnings coverage of net charge-offs (x) | 4.2908% | 2,036 |
| Efficiency ratio | 50.0495% | 4,234 |
| Assets per employee ($millions) | 16.3870% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 912 |
| Loan loss allowance to noncurrent loans | 133.7870% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 682 |
| Noncurrent loans to loans | 1.3315% | 879 |
| Net loans and leases to total assets | 78.3981% | 415 |
| Net loans and leases to deposits | 94.8715% | 425 |
| Net loans and leases to core deposits | 104.4873% | 519 |
| Total domestic deposits to total assets | 82.6361% | 3,782 |
| Equity capital to assets | 11.4377% | 1,666 |
| Core capital (leverage) ratio | 10.2681% | 2,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0451% | 2,705 |
| Memoranda: | ||
| Average total assets | $5,652,161,000 | 247 |
| Average earning assets | $5,398,413,000 | 234 |
| Average equity | $591,046,667 | 243 |
| Average total loans | $4,396,146,667 | 209 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4640% | 3,033 |
| Cost of funding earning assets | 0.5044% | 1,365 |
| Net interest margin | 2.9596% | 3,356 |
| Noninterest income to average assets | 0.2868% | 3,689 |
| Noninterest expense to average assets | 1.5724% | 4,574 |
| Loan and lease loss provision to assets | 0.5151% | 125 |
| Net operating income to assets | 0.8266% | 3,334 |
| Return on assets (ROA) | 0.8250% | 3,416 |
| Pretax return on assets | 1.0230% | 3,309 |
| Return on Equity (ROE) | 8.2418% | 3,257 |
| Retained earnings to average equity (ytd only) | 8.2418% | 2,165 |
| Net charge-offs to loans | 0.7369% | 106 |
| Credit loss provision to net charge-offs | 90.9753% | 1,166 |
| Earnings coverage of net charge-offs (x) | 2.7199% | 1,797 |
| Efficiency ratio | 50.4734% | 4,150 |
| Assets per employee ($millions) | 18.5557% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6535% | 1,162 |
| Loan loss allowance to noncurrent loans | 112.1017% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.1488% | 663 |
| Noncurrent loans to loans | 1.4750% | 852 |
| Net loans and leases to total assets | 73.9810% | 815 |
| Net loans and leases to deposits | 87.0632% | 884 |
| Net loans and leases to core deposits | 95.9181% | 887 |
| Total domestic deposits to total assets | 84.9739% | 3,105 |
| Equity capital to assets | 9.7723% | 2,928 |
| Core capital (leverage) ratio | 9.7442% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3973% | 2,840 |
| Memoranda: | ||
| Average total assets | $5,823,552,000 | 235 |
| Average earning assets | $5,560,295,000 | 225 |
| Average equity | $582,933,500 | 241 |
| Average total loans | $4,475,248,000 | 208 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 2,697 |
| Cost of funding earning assets | 0.8491% | 1,021 |
| Net interest margin | 3.1596% | 3,468 |
| Noninterest income to average assets | 0.1663% | 4,458 |
| Noninterest expense to average assets | 1.8351% | 4,416 |
| Loan and lease loss provision to assets | 1.0652% | 82 |
| Net operating income to assets | 0.2297% | 4,536 |
| Return on assets (ROA) | 0.2570% | 4,557 |
| Pretax return on assets | 0.3115% | 4,530 |
| Return on Equity (ROE) | 2.4272% | 4,500 |
| Retained earnings to average equity (ytd only) | 2.4272% | 3,648 |
| Net charge-offs to loans | 0.9039% | 154 |
| Credit loss provision to net charge-offs | 148.0379% | 2,433 |
| Earnings coverage of net charge-offs (x) | 1.8675% | 3,228 |
| Efficiency ratio | 53.3024% | 4,282 |
| Assets per employee ($millions) | 17.7786% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6951% | 1,049 |
| Loan loss allowance to noncurrent loans | 98.9747% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 562 |
| Noncurrent loans to loans | 1.7127% | 740 |
| Net loans and leases to total assets | 77.2357% | 674 |
| Net loans and leases to deposits | 92.1715% | 766 |
| Net loans and leases to core deposits | 107.8606% | 575 |
| Total domestic deposits to total assets | 83.7956% | 3,169 |
| Equity capital to assets | 10.2618% | 2,870 |
| Core capital (leverage) ratio | 10.0002% | 2,610 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1792% | 2,875 |
| Memoranda: | ||
| Average total assets | $5,322,930,400 | 240 |
| Average earning assets | $5,075,057,000 | 229 |
| Average equity | $563,693,800 | 242 |
| Average total loans | $4,237,525,000 | 213 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 2,652 |
| Cost of funding earning assets | 0.9375% | 940 |
| Net interest margin | 3.1711% | 3,562 |
| Noninterest income to average assets | 0.1505% | 4,548 |
| Noninterest expense to average assets | 1.8960% | 4,334 |
| Loan and lease loss provision to assets | 1.1659% | 97 |
| Net operating income to assets | 0.0925% | 4,710 |
| Return on assets (ROA) | 0.1301% | 4,697 |
| Pretax return on assets | 0.1563% | 4,690 |
| Return on Equity (ROE) | 1.2183% | 4,674 |
| Retained earnings to average equity (ytd only) | 1.2183% | 4,174 |
| Net charge-offs to loans | 0.8499% | 157 |
| Credit loss provision to net charge-offs | 171.7193% | 2,225 |
| Earnings coverage of net charge-offs (x) | 1.8807% | 3,035 |
| Efficiency ratio | 53.7672% | 4,174 |
| Assets per employee ($millions) | 17.0933% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6980% | 899 |
| Loan loss allowance to noncurrent loans | 95.1830% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 1.4940% | 572 |
| Noncurrent loans to loans | 1.7840% | 747 |
| Net loans and leases to total assets | 79.9735% | 622 |
| Net loans and leases to deposits | 96.8476% | 700 |
| Net loans and leases to core deposits | 117.1314% | 477 |
| Total domestic deposits to total assets | 82.5767% | 3,257 |
| Equity capital to assets | 10.3112% | 2,948 |
| Core capital (leverage) ratio | 9.9019% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1909% | 2,874 |
| Memoranda: | ||
| Average total assets | $5,240,260,750 | 238 |
| Average earning assets | $4,994,718,500 | 229 |
| Average equity | $559,576,750 | 242 |
| Average total loans | $4,186,432,000 | 213 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2967% | 2,483 |
| Cost of funding earning assets | 1.0601% | 819 |
| Net interest margin | 3.2367% | 3,563 |
| Noninterest income to average assets | 0.1104% | 4,738 |
| Noninterest expense to average assets | 2.0140% | 4,207 |
| Loan and lease loss provision to assets | 1.3567% | 106 |
| Net operating income to assets | -0.1507% | 4,848 |
| Return on assets (ROA) | -0.1254% | 4,843 |
| Pretax return on assets | -0.1468% | 4,835 |
| Return on Equity (ROE) | -1.1599% | 4,851 |
| Retained earnings to average equity (ytd only) | -1.1599% | 4,495 |
| Net charge-offs to loans | 1.0105% | 144 |
| Credit loss provision to net charge-offs | 169.1593% | 2,042 |
| Earnings coverage of net charge-offs (x) | 1.4715% | 2,857 |
| Efficiency ratio | 54.0025% | 4,179 |
| Assets per employee ($millions) | 15.4266% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 975 |
| Loan loss allowance to noncurrent loans | 188.5496% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 1,675 |
| Noncurrent loans to loans | 0.8555% | 1,778 |
| Net loans and leases to total assets | 79.5098% | 652 |
| Net loans and leases to deposits | 99.6637% | 572 |
| Net loans and leases to core deposits | 119.0774% | 449 |
| Total domestic deposits to total assets | 79.7781% | 3,884 |
| Equity capital to assets | 10.2156% | 3,000 |
| Core capital (leverage) ratio | 9.8026% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2114% | 2,913 |
| Memoranda: | ||
| Average total assets | $5,152,334,333 | 239 |
| Average earning assets | $4,908,900,333 | 229 |
| Average equity | $556,924,000 | 244 |
| Average total loans | $4,089,306,333 | 215 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5579% | 2,129 |
| Cost of funding earning assets | 1.3408% | 496 |
| Net interest margin | 3.2171% | 3,815 |
| Noninterest income to average assets | 0.1334% | 4,706 |
| Noninterest expense to average assets | 1.7793% | 4,691 |
| Loan and lease loss provision to assets | 1.1164% | 179 |
| Net operating income to assets | 0.2798% | 4,386 |
| Return on assets (ROA) | 0.3116% | 4,344 |
| Pretax return on assets | 0.3341% | 4,398 |
| Return on Equity (ROE) | 2.7992% | 4,265 |
| Retained earnings to average equity (ytd only) | 2.7992% | 3,158 |
| Net charge-offs to loans | 1.9746% | 72 |
| Credit loss provision to net charge-offs | 71.9554% | 1,967 |
| Earnings coverage of net charge-offs (x) | 0.9128% | 2,431 |
| Efficiency ratio | 55.6176% | 4,245 |
| Assets per employee ($millions) | 14.3516% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 2,204 |
| Loan loss allowance to noncurrent loans | 195.9970% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 2,234 |
| Noncurrent loans to loans | 0.6560% | 2,352 |
| Net loans and leases to total assets | 77.9888% | 987 |
| Net loans and leases to deposits | 98.1576% | 694 |
| Net loans and leases to core deposits | 119.0562% | 498 |
| Total domestic deposits to total assets | 79.4526% | 3,965 |
| Equity capital to assets | 11.0896% | 2,782 |
| Core capital (leverage) ratio | 10.7208% | 2,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0570% | 3,082 |
| Memoranda: | ||
| Average total assets | $4,997,996,500 | 239 |
| Average earning assets | $4,757,150,500 | 228 |
| Average equity | $556,448,000 | 247 |
| Average total loans | $3,927,347,500 | 220 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0804% | 1,259 |
| Cost of funding earning assets | 1.7535% | 166 |
| Net interest margin | 3.3269% | 3,926 |
| Noninterest income to average assets | 0.1711% | 4,633 |
| Noninterest expense to average assets | 1.9482% | 4,609 |
| Loan and lease loss provision to assets | 0.3099% | 525 |
| Net operating income to assets | 0.8923% | 3,233 |
| Return on assets (ROA) | 0.9117% | 3,242 |
| Pretax return on assets | 1.0928% | 3,187 |
| Return on Equity (ROE) | 8.1039% | 3,123 |
| Retained earnings to average equity (ytd only) | 8.0693% | 955 |
| Net charge-offs to loans | 0.3132% | 663 |
| Credit loss provision to net charge-offs | 128.3590% | 1,987 |
| Earnings coverage of net charge-offs (x) | 5.7133% | 3,051 |
| Efficiency ratio | 58.4821% | 3,916 |
| Assets per employee ($millions) | 14.0797% | 143 |
| Cash dividends to net income (ytd only)* | 0.4279% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,162 |
| Loan loss allowance to noncurrent loans | 92.3911% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 1,297 |
| Noncurrent loans to loans | 1.1490% | 1,315 |
| Net loans and leases to total assets | 77.1219% | 1,240 |
| Net loans and leases to deposits | 95.8322% | 960 |
| Net loans and leases to core deposits | 118.5256% | 519 |
| Total domestic deposits to total assets | 80.4760% | 3,880 |
| Equity capital to assets | 11.3956% | 2,630 |
| Core capital (leverage) ratio | 11.2337% | 2,306 |
| Tier 1 risk-based capital ratio | 11.3993% | 4,680 |
| Total risk-based capital ratio | 12.2676% | 4,756 |
| Memoranda: | ||
| Average total assets | $4,485,706,600 | 247 |
| Average earning assets | $4,255,838,400 | 239 |
| Average equity | $504,668,600 | 246 |
| Average total loans | $3,457,517,000 | 232 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1831% | 1,076 |
| Cost of funding earning assets | 1.8237% | 127 |
| Net interest margin | 3.3595% | 3,962 |
| Noninterest income to average assets | 0.1829% | 4,629 |
| Noninterest expense to average assets | 1.9920% | 4,572 |
| Loan and lease loss provision to assets | 0.3218% | 440 |
| Net operating income to assets | 0.8898% | 3,381 |
| Return on assets (ROA) | 0.9038% | 3,405 |
| Pretax return on assets | 1.0689% | 3,380 |
| Return on Equity (ROE) | 8.0625% | 3,277 |
| Retained earnings to average equity (ytd only) | 8.0149% | 1,384 |
| Net charge-offs to loans | 0.2136% | 827 |
| Credit loss provision to net charge-offs | 196.0602% | 1,336 |
| Earnings coverage of net charge-offs (x) | 8.3737% | 2,661 |
| Efficiency ratio | 59.1065% | 3,791 |
| Assets per employee ($millions) | 13.3638% | 158 |
| Cash dividends to net income (ytd only)* | 0.5906% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 2,591 |
| Loan loss allowance to noncurrent loans | 97.1243% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 1.0050% | 1,331 |
| Noncurrent loans to loans | 1.2196% | 1,286 |
| Net loans and leases to total assets | 77.1255% | 1,293 |
| Net loans and leases to deposits | 96.6437% | 936 |
| Net loans and leases to core deposits | 116.2960% | 645 |
| Total domestic deposits to total assets | 79.8039% | 4,026 |
| Equity capital to assets | 11.8830% | 2,344 |
| Core capital (leverage) ratio | 11.4614% | 2,250 |
| Tier 1 risk-based capital ratio | 11.7945% | 4,524 |
| Total risk-based capital ratio | 12.7611% | 4,560 |
| Memoranda: | ||
| Average total assets | $4,371,639,250 | 251 |
| Average earning assets | $4,142,435,750 | 244 |
| Average equity | $490,043,750 | 255 |
| Average total loans | $3,358,835,250 | 239 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2068% | 971 |
| Cost of funding earning assets | 1.8237% | 116 |
| Net interest margin | 3.3830% | 3,946 |
| Noninterest income to average assets | 0.1326% | 4,912 |
| Noninterest expense to average assets | 2.0553% | 4,506 |
| Loan and lease loss provision to assets | 0.2664% | 566 |
| Net operating income to assets | 0.8846% | 3,341 |
| Return on assets (ROA) | 0.9045% | 3,325 |
| Pretax return on assets | 1.0381% | 3,420 |
| Return on Equity (ROE) | 8.2484% | 3,176 |
| Retained earnings to average equity (ytd only) | 8.1738% | 1,325 |
| Net charge-offs to loans | 0.0412% | 2,071 |
| Credit loss provision to net charge-offs | 845.6973% | 401 |
| Earnings coverage of net charge-offs (x) | 40.6810% | 1,232 |
| Efficiency ratio | 61.5201% | 3,504 |
| Assets per employee ($millions) | 12.8026% | 169 |
| Cash dividends to net income (ytd only)* | 0.9044% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,324 |
| Loan loss allowance to noncurrent loans | 85.2233% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1807% | 1,137 |
| Noncurrent loans to loans | 1.4502% | 1,067 |
| Net loans and leases to total assets | 76.6402% | 1,446 |
| Net loans and leases to deposits | 95.2492% | 1,121 |
| Net loans and leases to core deposits | 119.6824% | 560 |
| Total domestic deposits to total assets | 80.4628% | 3,947 |
| Equity capital to assets | 10.9068% | 3,171 |
| Core capital (leverage) ratio | 10.5899% | 2,991 |
| Tier 1 risk-based capital ratio | 10.7586% | 5,009 |
| Total risk-based capital ratio | 11.7533% | 5,021 |
| Memoranda: | ||
| Average total assets | $4,278,652,000 | 254 |
| Average earning assets | $4,052,681,000 | 247 |
| Average equity | $469,181,000 | 258 |
| Average total loans | $3,268,516,330 | 243 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 935 |
| Cost of funding earning assets | 1.7859% | 106 |
| Net interest margin | 3.3995% | 3,883 |
| Noninterest income to average assets | 0.1530% | 4,825 |
| Noninterest expense to average assets | 2.1093% | 4,445 |
| Loan and lease loss provision to assets | 0.2725% | 506 |
| Net operating income to assets | 0.9360% | 3,107 |
| Return on assets (ROA) | 0.9408% | 3,126 |
| Pretax return on assets | 0.9926% | 3,461 |
| Return on Equity (ROE) | 8.5554% | 3,010 |
| Retained earnings to average equity (ytd only) | 8.4032% | 1,521 |
| Net charge-offs to loans | 0.0852% | 1,250 |
| Credit loss provision to net charge-offs | 422.2222% | 673 |
| Earnings coverage of net charge-offs (x) | 19.5244% | 1,590 |
| Efficiency ratio | 62.5333% | 3,449 |
| Assets per employee ($millions) | 12.1787% | 201 |
| Cash dividends to net income (ytd only)* | 1.7783% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 2,472 |
| Loan loss allowance to noncurrent loans | 307.2745% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 3,146 |
| Noncurrent loans to loans | 0.3972% | 3,166 |
| Net loans and leases to total assets | 75.9543% | 1,486 |
| Net loans and leases to deposits | 94.9233% | 1,068 |
| Net loans and leases to core deposits | 119.3983% | 545 |
| Total domestic deposits to total assets | 80.0165% | 4,176 |
| Equity capital to assets | 11.0243% | 2,830 |
| Core capital (leverage) ratio | 10.9067% | 2,661 |
| Tier 1 risk-based capital ratio | 10.9995% | 4,976 |
| Total risk-based capital ratio | 11.9704% | 5,001 |
| Memoranda: | ||
| Average total assets | $4,183,933,000 | 263 |
| Average earning assets | $3,958,513,500 | 254 |
| Average equity | $460,109,500 | 263 |
| Average total loans | $3,169,172,500 | 247 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7416% | 1,704 |
| Cost of funding earning assets | 1.3988% | 143 |
| Net interest margin | 3.3427% | 4,146 |
| Noninterest income to average assets | 0.1583% | 4,929 |
| Noninterest expense to average assets | 2.2768% | 4,171 |
| Loan and lease loss provision to assets | 0.3854% | 363 |
| Net operating income to assets | 0.6793% | 4,205 |
| Return on assets (ROA) | 0.6947% | 4,153 |
| Pretax return on assets | 0.6691% | 4,489 |
| Return on Equity (ROE) | 6.9145% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.3177% | 2,023 |
| Net charge-offs to loans | 0.0718% | 2,090 |
| Credit loss provision to net charge-offs | 764.8725% | 467 |
| Earnings coverage of net charge-offs (x) | 20.6210% | 1,985 |
| Efficiency ratio | 68.5753% | 2,453 |
| Assets per employee ($millions) | 11.8994% | 203 |
| Cash dividends to net income (ytd only)* | 8.6313% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,374 |
| Loan loss allowance to noncurrent loans | 212.3029% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 2,833 |
| Noncurrent loans to loans | 0.5821% | 2,545 |
| Net loans and leases to total assets | 73.6345% | 1,987 |
| Net loans and leases to deposits | 92.9747% | 1,404 |
| Net loans and leases to core deposits | 112.7214% | 847 |
| Total domestic deposits to total assets | 79.1983% | 4,267 |
| Equity capital to assets | 10.9688% | 2,719 |
| Core capital (leverage) ratio | 11.4132% | 2,168 |
| Tier 1 risk-based capital ratio | 11.5130% | 4,722 |
| Total risk-based capital ratio | 12.4950% | 4,759 |
| Memoranda: | ||
| Average total assets | $3,502,468,800 | 292 |
| Average earning assets | $3,308,506,000 | 280 |
| Average equity | $351,867,600 | 312 |
| Average total loans | $2,457,641,800 | 287 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 1,913 |
| Cost of funding earning assets | 1.3297% | 151 |
| Net interest margin | 3.2948% | 4,292 |
| Noninterest income to average assets | 0.1703% | 4,939 |
| Noninterest expense to average assets | 2.3507% | 3,975 |
| Loan and lease loss provision to assets | 0.3580% | 374 |
| Net operating income to assets | 0.5474% | 4,647 |
| Return on assets (ROA) | 0.5704% | 4,589 |
| Pretax return on assets | 0.5979% | 4,733 |
| Return on Equity (ROE) | 5.8419% | 4,304 |
| Retained earnings to average equity (ytd only) | 5.2002% | 3,115 |
| Net charge-offs to loans | 0.0896% | 1,608 |
| Credit loss provision to net charge-offs | 580.2708% | 616 |
| Earnings coverage of net charge-offs (x) | 15.1012% | 2,251 |
| Efficiency ratio | 71.5228% | 1,959 |
| Assets per employee ($millions) | 10.8477% | 258 |
| Cash dividends to net income (ytd only)* | 10.9840% | 3,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 2,480 |
| Loan loss allowance to noncurrent loans | 258.2583% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.3501% | 3,276 |
| Noncurrent loans to loans | 0.4746% | 2,962 |
| Net loans and leases to total assets | 72.8517% | 2,198 |
| Net loans and leases to deposits | 96.1280% | 1,146 |
| Net loans and leases to core deposits | 113.2508% | 855 |
| Total domestic deposits to total assets | 75.7861% | 4,811 |
| Equity capital to assets | 10.8677% | 2,784 |
| Core capital (leverage) ratio | 11.2714% | 2,356 |
| Tier 1 risk-based capital ratio | 11.2755% | 4,914 |
| Total risk-based capital ratio | 12.2122% | 4,954 |
| Memoranda: | ||
| Average total assets | $3,351,759,000 | 295 |
| Average earning assets | $3,165,956,000 | 289 |
| Average equity | $327,259,000 | 325 |
| Average total loans | $2,306,865,500 | 305 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 2,033 |
| Cost of funding earning assets | 1.2971% | 114 |
| Net interest margin | 3.2207% | 4,458 |
| Noninterest income to average assets | 0.2036% | 4,800 |
| Noninterest expense to average assets | 2.4314% | 3,815 |
| Loan and lease loss provision to assets | 0.3712% | 339 |
| Net operating income to assets | 0.4619% | 4,835 |
| Return on assets (ROA) | 0.4874% | 4,779 |
| Pretax return on assets | 0.4716% | 4,952 |
| Return on Equity (ROE) | 5.2181% | 4,491 |
| Retained earnings to average equity (ytd only) | 4.5226% | 3,331 |
| Net charge-offs to loans | 0.1751% | 889 |
| Credit loss provision to net charge-offs | 316.7899% | 970 |
| Earnings coverage of net charge-offs (x) | 6.9741% | 2,584 |
| Efficiency ratio | 74.7453% | 1,602 |
| Assets per employee ($millions) | 10.7023% | 262 |
| Cash dividends to net income (ytd only)* | 13.3283% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 2,266 |
| Loan loss allowance to noncurrent loans | 186.1829% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.4578% | 2,897 |
| Noncurrent loans to loans | 0.6879% | 2,387 |
| Net loans and leases to total assets | 65.7065% | 3,190 |
| Net loans and leases to deposits | 82.8736% | 2,675 |
| Net loans and leases to core deposits | 100.1461% | 1,726 |
| Total domestic deposits to total assets | 79.2852% | 4,377 |
| Equity capital to assets | 9.7947% | 3,823 |
| Core capital (leverage) ratio | 10.0158% | 3,559 |
| Tier 1 risk-based capital ratio | 10.5425% | 5,253 |
| Total risk-based capital ratio | 11.4730% | 5,290 |
| Memoranda: | ||
| Average total assets | $3,232,379,330 | 302 |
| Average earning assets | $3,056,123,330 | 292 |
| Average equity | $301,951,330 | 337 |
| Average total loans | $2,163,733,330 | 315 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4229% | 2,120 |
| Cost of funding earning assets | 1.2331% | 118 |
| Net interest margin | 3.1898% | 4,498 |
| Noninterest income to average assets | 0.2133% | 4,728 |
| Noninterest expense to average assets | 2.5451% | 3,516 |
| Loan and lease loss provision to assets | 0.3899% | 292 |
| Net operating income to assets | 0.3530% | 5,008 |
| Return on assets (ROA) | 0.3961% | 4,937 |
| Pretax return on assets | 0.3334% | 5,116 |
| Return on Equity (ROE) | 4.3616% | 4,664 |
| Retained earnings to average equity (ytd only) | 3.6101% | 3,759 |
| Net charge-offs to loans | 0.2464% | 624 |
| Credit loss provision to net charge-offs | 235.6638% | 947 |
| Earnings coverage of net charge-offs (x) | 4.1115% | 2,326 |
| Efficiency ratio | 78.8063% | 1,282 |
| Assets per employee ($millions) | 10.3271% | 289 |
| Cash dividends to net income (ytd only)* | 17.2301% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,236 |
| Loan loss allowance to noncurrent loans | 125.7936% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.6908% | 2,254 |
| Noncurrent loans to loans | 1.0347% | 1,771 |
| Net loans and leases to total assets | 65.8941% | 3,047 |
| Net loans and leases to deposits | 83.2607% | 2,475 |
| Net loans and leases to core deposits | 102.5032% | 1,486 |
| Total domestic deposits to total assets | 79.1418% | 4,560 |
| Equity capital to assets | 8.8446% | 4,709 |
| Core capital (leverage) ratio | 9.0543% | 4,619 |
| Tier 1 risk-based capital ratio | 9.3572% | 5,569 |
| Total risk-based capital ratio | 10.2973% | 5,577 |
| Memoranda: | ||
| Average total assets | $3,077,334,000 | 311 |
| Average earning assets | $2,905,854,500 | 301 |
| Average equity | $279,439,500 | 353 |
| Average total loans | $2,066,685,000 | 323 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2035% | 2,677 |
| Cost of funding earning assets | 0.9830% | 240 |
| Net interest margin | 3.2205% | 4,389 |
| Noninterest income to average assets | 0.1326% | 5,281 |
| Noninterest expense to average assets | 2.4590% | 3,918 |
| Loan and lease loss provision to assets | 0.4873% | 273 |
| Net operating income to assets | 0.2654% | 4,995 |
| Return on assets (ROA) | 0.2819% | 4,979 |
| Pretax return on assets | 0.2461% | 5,267 |
| Return on Equity (ROE) | 2.7239% | 4,909 |
| Retained earnings to average equity (ytd only) | 1.8998% | 4,177 |
| Net charge-offs to loans | 0.4266% | 578 |
| Credit loss provision to net charge-offs | 179.2382% | 1,510 |
| Earnings coverage of net charge-offs (x) | 2.6367% | 3,726 |
| Efficiency ratio | 77.2978% | 1,448 |
| Assets per employee ($millions) | 9.9437% | 325 |
| Cash dividends to net income (ytd only)* | 30.2550% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3071% | 2,180 |
| Loan loss allowance to noncurrent loans | 489.6041% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.1804% | 4,232 |
| Noncurrent loans to loans | 0.2670% | 3,830 |
| Net loans and leases to total assets | 66.7033% | 3,007 |
| Net loans and leases to deposits | 85.2099% | 2,354 |
| Net loans and leases to core deposits | 104.3093% | 1,390 |
| Total domestic deposits to total assets | 78.2812% | 4,671 |
| Equity capital to assets | 9.3363% | 4,394 |
| Core capital (leverage) ratio | 9.3921% | 4,172 |
| Tier 1 risk-based capital ratio | 9.3867% | 5,610 |
| Total risk-based capital ratio | 10.3336% | 5,620 |
| Memoranda: | ||
| Average total assets | $2,462,424,600 | 348 |
| Average earning assets | $2,326,950,600 | 341 |
| Average equity | $254,817,600 | 365 |
| Average total loans | $1,569,494,600 | 385 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1526% | 2,785 |
| Cost of funding earning assets | 0.9377% | 279 |
| Net interest margin | 3.2148% | 4,412 |
| Noninterest income to average assets | 0.1446% | 5,285 |
| Noninterest expense to average assets | 2.4479% | 3,893 |
| Loan and lease loss provision to assets | 0.5129% | 223 |
| Net operating income to assets | 0.3780% | 5,050 |
| Return on assets (ROA) | 0.3968% | 5,032 |
| Pretax return on assets | 0.2408% | 5,350 |
| Return on Equity (ROE) | 3.7201% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.8788% | 4,189 |
| Net charge-offs to loans | 0.1588% | 1,289 |
| Credit loss provision to net charge-offs | 516.6475% | 617 |
| Earnings coverage of net charge-offs (x) | 7.4030% | 2,875 |
| Efficiency ratio | 76.7747% | 1,490 |
| Assets per employee ($millions) | 9.1818% | 406 |
| Cash dividends to net income (ytd only)* | 22.6163% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 1,178 |
| Loan loss allowance to noncurrent loans | 276.6772% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 3,453 |
| Noncurrent loans to loans | 0.5882% | 2,938 |
| Net loans and leases to total assets | 65.9326% | 3,113 |
| Net loans and leases to deposits | 85.2738% | 2,398 |
| Net loans and leases to core deposits | 104.3194% | 1,367 |
| Total domestic deposits to total assets | 77.3187% | 4,823 |
| Equity capital to assets | 10.2824% | 3,605 |
| Core capital (leverage) ratio | 10.0710% | 3,479 |
| Tier 1 risk-based capital ratio | 10.2412% | 5,530 |
| Total risk-based capital ratio | 11.3855% | 5,526 |
| Memoranda: | ||
| Average total assets | $2,339,710,250 | 361 |
| Average earning assets | $2,211,209,500 | 350 |
| Average equity | $249,590,000 | 376 |
| Average total loans | $1,462,861,000 | 400 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0430% | 3,032 |
| Cost of funding earning assets | 0.8891% | 325 |
| Net interest margin | 3.1538% | 4,536 |
| Noninterest income to average assets | 0.2141% | 4,970 |
| Noninterest expense to average assets | 2.3449% | 4,228 |
| Loan and lease loss provision to assets | 0.5304% | 211 |
| Net operating income to assets | 0.4564% | 4,837 |
| Return on assets (ROA) | 0.4662% | 4,836 |
| Pretax return on assets | 0.3357% | 5,293 |
| Return on Equity (ROE) | 4.3111% | 4,727 |
| Retained earnings to average equity (ytd only) | 3.4528% | 3,654 |
| Net charge-offs to loans | 0.1119% | 1,514 |
| Credit loss provision to net charge-offs | 779.2208% | 466 |
| Earnings coverage of net charge-offs (x) | 12.5805% | 2,181 |
| Efficiency ratio | 73.1106% | 2,168 |
| Assets per employee ($millions) | 9.1482% | 404 |
| Cash dividends to net income (ytd only)* | 19.9090% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7571% | 968 |
| Loan loss allowance to noncurrent loans | 552.1222% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 4,384 |
| Noncurrent loans to loans | 0.3182% | 3,896 |
| Net loans and leases to total assets | 60.9216% | 3,751 |
| Net loans and leases to deposits | 79.5171% | 2,967 |
| Net loans and leases to core deposits | 95.7610% | 2,004 |
| Total domestic deposits to total assets | 76.6144% | 5,014 |
| Equity capital to assets | 10.9469% | 2,864 |
| Core capital (leverage) ratio | 10.8273% | 2,576 |
| Tier 1 risk-based capital ratio | 11.9164% | 4,687 |
| Total risk-based capital ratio | 13.1578% | 4,591 |
| Memoranda: | ||
| Average total assets | $2,262,647,000 | 375 |
| Average earning assets | $2,142,989,330 | 362 |
| Average equity | $244,669,670 | 382 |
| Average total loans | $1,376,113,000 | 418 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 3,161 |
| Cost of funding earning assets | 0.8703% | 331 |
| Net interest margin | 3.0934% | 4,666 |
| Noninterest income to average assets | 0.2316% | 4,889 |
| Noninterest expense to average assets | 2.2177% | 4,593 |
| Loan and lease loss provision to assets | 0.5454% | 181 |
| Net operating income to assets | 0.5114% | 4,551 |
| Return on assets (ROA) | 0.5340% | 4,489 |
| Pretax return on assets | 0.4189% | 5,126 |
| Return on Equity (ROE) | 4.9713% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.0827% | 3,418 |
| Net charge-offs to loans | -0.0952% | 5,437 |
| Credit loss provision to net charge-offs | -952.3810% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0483% | 2,884 |
| Assets per employee ($millions) | 10.8688% | 230 |
| Cash dividends to net income (ytd only)* | 17.8754% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7842% | 987 |
| Loan loss allowance to noncurrent loans | 662.4794% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 4,610 |
| Noncurrent loans to loans | 0.2693% | 4,143 |
| Net loans and leases to total assets | 58.4051% | 3,935 |
| Net loans and leases to deposits | 74.3018% | 3,371 |
| Net loans and leases to core deposits | 86.7138% | 2,664 |
| Total domestic deposits to total assets | 78.6052% | 4,894 |
| Equity capital to assets | 11.1624% | 2,466 |
| Core capital (leverage) ratio | 11.3009% | 2,101 |
| Tier 1 risk-based capital ratio | 12.9077% | 4,141 |
| Total risk-based capital ratio | 14.1579% | 4,038 |
| Memoranda: | ||
| Average total assets | $2,200,127,500 | 381 |
| Average earning assets | $2,082,383,500 | 371 |
| Average equity | $236,315,500 | 391 |
| Average total loans | $1,323,853,500 | 432 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9284% | 3,466 |
| Cost of funding earning assets | 0.8472% | 395 |
| Net interest margin | 3.0812% | 4,772 |
| Noninterest income to average assets | 0.1874% | 5,277 |
| Noninterest expense to average assets | 2.0999% | 5,001 |
| Loan and lease loss provision to assets | 0.3535% | 480 |
| Net operating income to assets | 0.6386% | 4,047 |
| Return on assets (ROA) | 0.6366% | 4,173 |
| Pretax return on assets | 0.6780% | 4,564 |
| Return on Equity (ROE) | 6.5932% | 3,692 |
| Retained earnings to average equity (ytd only) | 5.4104% | 2,070 |
| Net charge-offs to loans | 0.1094% | 2,174 |
| Credit loss provision to net charge-offs | 524.1935% | 636 |
| Earnings coverage of net charge-offs (x) | 15.3266% | 2,213 |
| Efficiency ratio | 66.8396% | 3,458 |
| Assets per employee ($millions) | 10.8054% | 239 |
| Cash dividends to net income (ytd only)* | 17.9395% | 3,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,363 |
| Loan loss allowance to noncurrent loans | 493.8465% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 4,522 |
| Noncurrent loans to loans | 0.3245% | 3,982 |
| Net loans and leases to total assets | 59.9482% | 3,859 |
| Net loans and leases to deposits | 75.1725% | 3,395 |
| Net loans and leases to core deposits | 88.4541% | 2,634 |
| Total domestic deposits to total assets | 79.7475% | 4,619 |
| Equity capital to assets | 10.2913% | 3,395 |
| Core capital (leverage) ratio | 10.8329% | 2,501 |
| Tier 1 risk-based capital ratio | 11.7465% | 4,896 |
| Total risk-based capital ratio | 12.8816% | 4,873 |
| Memoranda: | ||
| Average total assets | $1,838,767,800 | 424 |
| Average earning assets | $1,758,166,000 | 403 |
| Average equity | $177,546,400 | 466 |
| Average total loans | $1,133,263,200 | 459 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 3,379 |
| Cost of funding earning assets | 0.8714% | 337 |
| Net interest margin | 3.0880% | 4,804 |
| Noninterest income to average assets | 0.1841% | 5,360 |
| Noninterest expense to average assets | 2.0837% | 5,036 |
| Loan and lease loss provision to assets | 0.3774% | 402 |
| Net operating income to assets | 0.6357% | 4,147 |
| Return on assets (ROA) | 0.6365% | 4,267 |
| Pretax return on assets | 0.6857% | 4,650 |
| Return on Equity (ROE) | 6.7253% | 3,712 |
| Retained earnings to average equity (ytd only) | 5.4691% | 2,502 |
| Net charge-offs to loans | 0.0961% | 1,986 |
| Credit loss provision to net charge-offs | 635.3240% | 594 |
| Earnings coverage of net charge-offs (x) | 17.8805% | 2,031 |
| Efficiency ratio | 66.0524% | 3,581 |
| Assets per employee ($millions) | 10.4417% | 262 |
| Cash dividends to net income (ytd only)* | 18.6789% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 1,269 |
| Loan loss allowance to noncurrent loans | 871.0944% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 4,941 |
| Noncurrent loans to loans | 0.1925% | 4,579 |
| Net loans and leases to total assets | 60.2517% | 3,842 |
| Net loans and leases to deposits | 75.0741% | 3,490 |
| Net loans and leases to core deposits | 89.2962% | 2,643 |
| Total domestic deposits to total assets | 80.2563% | 4,451 |
| Equity capital to assets | 9.4669% | 4,694 |
| Core capital (leverage) ratio | 8.6683% | 5,190 |
| Tier 1 risk-based capital ratio | 9.8086% | 5,832 |
| Total risk-based capital ratio | 11.0053% | 5,825 |
| Memoranda: | ||
| Average total assets | $1,766,292,000 | 440 |
| Average earning assets | $1,694,146,250 | 421 |
| Average equity | $167,166,250 | 487 |
| Average total loans | $1,092,357,500 | 469 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 3,490 |
| Cost of funding earning assets | 0.8964% | 296 |
| Net interest margin | 3.0357% | 5,004 |
| Noninterest income to average assets | 0.1758% | 5,442 |
| Noninterest expense to average assets | 2.0661% | 5,127 |
| Loan and lease loss provision to assets | 0.4083% | 372 |
| Net operating income to assets | 0.5894% | 4,321 |
| Return on assets (ROA) | 0.6117% | 4,343 |
| Pretax return on assets | 0.6496% | 4,763 |
| Return on Equity (ROE) | 6.4637% | 3,820 |
| Retained earnings to average equity (ytd only) | 5.1695% | 2,619 |
| Net charge-offs to loans | 0.0464% | 2,551 |
| Credit loss provision to net charge-offs | 1,417.0040% | 279 |
| Earnings coverage of net charge-offs (x) | 35.8947% | 1,240 |
| Efficiency ratio | 66.4510% | 3,608 |
| Assets per employee ($millions) | 11.1694% | 195 |
| Cash dividends to net income (ytd only)* | 20.0229% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6629% | 1,359 |
| Loan loss allowance to noncurrent loans | 749.6208% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 4,829 |
| Noncurrent loans to loans | 0.2218% | 4,546 |
| Net loans and leases to total assets | 59.8896% | 3,896 |
| Net loans and leases to deposits | 73.5802% | 3,642 |
| Net loans and leases to core deposits | 83.7302% | 3,107 |
| Total domestic deposits to total assets | 81.3937% | 4,163 |
| Equity capital to assets | 9.3028% | 4,970 |
| Core capital (leverage) ratio | 8.4036% | 5,444 |
| Tier 1 risk-based capital ratio | 9.6434% | 5,925 |
| Total risk-based capital ratio | 10.8526% | 5,913 |
| Memoranda: | ||
| Average total assets | $1,714,634,000 | 455 |
| Average earning assets | $1,651,796,000 | 430 |
| Average equity | $162,260,000 | 499 |
| Average total loans | $1,064,031,670 | 480 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,390 |
| Cost of funding earning assets | 0.8869% | 312 |
| Net interest margin | 3.0672% | 4,956 |
| Noninterest income to average assets | 0.1683% | 5,481 |
| Noninterest expense to average assets | 2.0621% | 5,199 |
| Loan and lease loss provision to assets | 0.4864% | 261 |
| Net operating income to assets | 0.5390% | 4,471 |
| Return on assets (ROA) | 0.5912% | 4,337 |
| Pretax return on assets | 0.6223% | 4,753 |
| Return on Equity (ROE) | 6.1878% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.8515% | 3,036 |
| Net charge-offs to loans | 0.0659% | 1,834 |
| Credit loss provision to net charge-offs | 1,176.4706% | 336 |
| Earnings coverage of net charge-offs (x) | 25.4882% | 1,293 |
| Efficiency ratio | 65.9877% | 3,804 |
| Assets per employee ($millions) | 11.5403% | 177 |
| Cash dividends to net income (ytd only)* | 21.5961% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6216% | 1,546 |
| Loan loss allowance to noncurrent loans | 1,903.0702% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0912% | 5,220 |
| Noncurrent loans to loans | 0.0852% | 5,136 |
| Net loans and leases to total assets | 61.2356% | 3,629 |
| Net loans and leases to deposits | 76.2837% | 3,188 |
| Net loans and leases to core deposits | 85.5682% | 2,789 |
| Total domestic deposits to total assets | 80.2735% | 4,687 |
| Equity capital to assets | 9.4636% | 4,700 |
| Core capital (leverage) ratio | 9.0175% | 4,835 |
| Tier 1 risk-based capital ratio | 9.7758% | 5,960 |
| Total risk-based capital ratio | 10.9339% | 5,945 |
| Memoranda: | ||
| Average total assets | $1,644,890,000 | 467 |
| Average earning assets | $1,580,738,000 | 445 |
| Average equity | $157,147,500 | 507 |
| Average total loans | $1,031,445,000 | 493 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,286 |
| Cost of funding earning assets | 0.8687% | 334 |
| Net interest margin | 3.1376% | 4,816 |
| Noninterest income to average assets | 0.1596% | 5,628 |
| Noninterest expense to average assets | 2.1057% | 5,245 |
| Loan and lease loss provision to assets | 0.4238% | 304 |
| Net operating income to assets | 0.5716% | 4,416 |
| Return on assets (ROA) | 0.5778% | 4,485 |
| Pretax return on assets | 0.6429% | 4,691 |
| Return on Equity (ROE) | 5.9374% | 4,061 |
| Retained earnings to average equity (ytd only) | 4.4308% | 2,829 |
| Net charge-offs to loans | 0.0397% | 3,437 |
| Credit loss provision to net charge-offs | 1,687.8531% | 207 |
| Earnings coverage of net charge-offs (x) | 42.2034% | 1,127 |
| Efficiency ratio | 66.2947% | 3,857 |
| Assets per employee ($millions) | 11.6317% | 169 |
| Cash dividends to net income (ytd only)* | 25.3744% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 1,738 |
| Loan loss allowance to noncurrent loans | 1,388.7299% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 5,103 |
| Noncurrent loans to loans | 0.1126% | 5,051 |
| Net loans and leases to total assets | 62.2222% | 3,526 |
| Net loans and leases to deposits | 75.0960% | 3,374 |
| Net loans and leases to core deposits | 83.6869% | 2,992 |
| Total domestic deposits to total assets | 82.8569% | 3,884 |
| Equity capital to assets | 9.6523% | 4,368 |
| Core capital (leverage) ratio | 9.2105% | 4,599 |
| Tier 1 risk-based capital ratio | 10.1421% | 5,912 |
| Total risk-based capital ratio | 11.2701% | 5,890 |
| Memoranda: | ||
| Average total assets | $1,409,716,600 | 506 |
| Average earning assets | $1,350,571,800 | 478 |
| Average equity | $137,197,400 | 549 |
| Average total loans | $892,012,600 | 531 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 3,282 |
| Cost of funding earning assets | 0.8648% | 353 |
| Net interest margin | 3.1512% | 4,817 |
| Noninterest income to average assets | 0.1734% | 5,612 |
| Noninterest expense to average assets | 2.0968% | 5,277 |
| Loan and lease loss provision to assets | 0.4576% | 234 |
| Net operating income to assets | 0.5660% | 4,546 |
| Return on assets (ROA) | 0.5743% | 4,599 |
| Pretax return on assets | 0.6456% | 4,840 |
| Return on Equity (ROE) | 5.8869% | 4,202 |
| Retained earnings to average equity (ytd only) | 4.3480% | 3,374 |
| Net charge-offs to loans | 0.0082% | 3,885 |
| Credit loss provision to net charge-offs | 8,867.9245% | 47 |
| Earnings coverage of net charge-offs (x) | 212.0335% | 340 |
| Efficiency ratio | 65.4839% | 3,977 |
| Assets per employee ($millions) | 11.0608% | 190 |
| Cash dividends to net income (ytd only)* | 26.1400% | 2,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 1,978 |
| Loan loss allowance to noncurrent loans | 952.3560% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 5,307 |
| Noncurrent loans to loans | 0.1623% | 4,999 |
| Net loans and leases to total assets | 62.0711% | 3,596 |
| Net loans and leases to deposits | 75.9727% | 3,306 |
| Net loans and leases to core deposits | 84.5907% | 2,976 |
| Total domestic deposits to total assets | 81.7018% | 4,253 |
| Equity capital to assets | 9.6492% | 4,578 |
| Core capital (leverage) ratio | 9.2465% | 4,672 |
| Tier 1 risk-based capital ratio | 10.0894% | 6,014 |
| Total risk-based capital ratio | 11.1954% | 6,016 |
| Memoranda: | ||
| Average total assets | $1,369,577,250 | 522 |
| Average earning assets | $1,311,406,750 | 495 |
| Average equity | $133,605,000 | 571 |
| Average total loans | $866,869,500 | 544 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9877% | 3,342 |
| Cost of funding earning assets | 0.8581% | 366 |
| Net interest margin | 3.1296% | 4,887 |
| Noninterest income to average assets | 0.1771% | 5,637 |
| Noninterest expense to average assets | 2.1343% | 5,264 |
| Loan and lease loss provision to assets | 0.4667% | 223 |
| Net operating income to assets | 0.5231% | 4,674 |
| Return on assets (ROA) | 0.5327% | 4,748 |
| Pretax return on assets | 0.5836% | 5,015 |
| Return on Equity (ROE) | 5.4384% | 4,406 |
| Retained earnings to average equity (ytd only) | 3.8751% | 3,536 |
| Net charge-offs to loans | 0.0112% | 3,516 |
| Credit loss provision to net charge-offs | 6,595.7447% | 76 |
| Earnings coverage of net charge-offs (x) | 146.9362% | 436 |
| Efficiency ratio | 67.0003% | 3,838 |
| Assets per employee ($millions) | 11.4401% | 171 |
| Cash dividends to net income (ytd only)* | 28.7451% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 2,561 |
| Loan loss allowance to noncurrent loans | 769.9346% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.1274% | 5,350 |
| Noncurrent loans to loans | 0.1871% | 5,031 |
| Net loans and leases to total assets | 62.4857% | 3,481 |
| Net loans and leases to deposits | 76.3876% | 3,220 |
| Net loans and leases to core deposits | 84.6177% | 2,919 |
| Total domestic deposits to total assets | 81.8009% | 4,360 |
| Equity capital to assets | 9.1729% | 5,055 |
| Core capital (leverage) ratio | 8.9262% | 5,057 |
| Tier 1 risk-based capital ratio | 9.7500% | 6,156 |
| Total risk-based capital ratio | 10.7981% | 6,172 |
| Memoranda: | ||
| Average total assets | $1,328,368,670 | 535 |
| Average earning assets | $1,272,127,670 | 510 |
| Average equity | $130,112,670 | 587 |
| Average total loans | $842,026,330 | 559 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0004% | 3,229 |
| Cost of funding earning assets | 0.8602% | 359 |
| Net interest margin | 3.1401% | 4,818 |
| Noninterest income to average assets | 0.1696% | 5,705 |
| Noninterest expense to average assets | 2.2277% | 5,077 |
| Loan and lease loss provision to assets | 0.3507% | 365 |
| Net operating income to assets | 0.5324% | 4,537 |
| Return on assets (ROA) | 0.5604% | 4,550 |
| Pretax return on assets | 0.6287% | 4,838 |
| Return on Equity (ROE) | 5.5278% | 4,268 |
| Retained earnings to average equity (ytd only) | 3.9813% | 3,611 |
| Net charge-offs to loans | 0.0231% | 2,692 |
| Credit loss provision to net charge-offs | 2,393.6170% | 176 |
| Earnings coverage of net charge-offs (x) | 64.7021% | 687 |
| Efficiency ratio | 69.9058% | 3,502 |
| Assets per employee ($millions) | 11.0669% | 193 |
| Cash dividends to net income (ytd only)* | 27.9755% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 3,376 |
| Loan loss allowance to noncurrent loans | 673.8037% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1284% | 5,442 |
| Noncurrent loans to loans | 0.1937% | 5,087 |
| Net loans and leases to total assets | 61.5252% | 3,446 |
| Net loans and leases to deposits | 75.7211% | 3,085 |
| Net loans and leases to core deposits | 83.0527% | 2,867 |
| Total domestic deposits to total assets | 81.2524% | 4,750 |
| Equity capital to assets | 9.7376% | 4,449 |
| Core capital (leverage) ratio | 9.3294% | 4,523 |
| Tier 1 risk-based capital ratio | 10.7599% | 5,914 |
| Total risk-based capital ratio | 11.7558% | 5,957 |
| Memoranda: | ||
| Average total assets | $1,283,268,500 | 551 |
| Average earning assets | $1,228,482,000 | 527 |
| Average equity | $130,107,000 | 587 |
| Average total loans | $813,359,000 | 569 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 3,327 |
| Cost of funding earning assets | 0.8479% | 515 |
| Net interest margin | 3.2525% | 4,743 |
| Noninterest income to average assets | 0.1464% | 5,962 |
| Noninterest expense to average assets | 2.2407% | 5,264 |
| Loan and lease loss provision to assets | 0.3858% | 474 |
| Net operating income to assets | 0.5153% | 4,752 |
| Return on assets (ROA) | 0.5450% | 4,701 |
| Pretax return on assets | 0.6393% | 4,816 |
| Return on Equity (ROE) | 5.3317% | 4,499 |
| Retained earnings to average equity (ytd only) | 3.8977% | 3,441 |
| Net charge-offs to loans | 0.0135% | 4,617 |
| Credit loss provision to net charge-offs | 4,756.0976% | 63 |
| Earnings coverage of net charge-offs (x) | 122.0732% | 431 |
| Efficiency ratio | 69.0435% | 3,705 |
| Assets per employee ($millions) | 10.0527% | 248 |
| Cash dividends to net income (ytd only)* | 26.8966% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 3,650 |
| Loan loss allowance to noncurrent loans | 310.4043% | 1,584 |
| Noncurrent assets plus other real estate owned to assets | 0.2729% | 4,939 |
| Noncurrent loans to loans | 0.4065% | 4,421 |
| Net loans and leases to total assets | 63.7255% | 3,257 |
| Net loans and leases to deposits | 80.0418% | 2,707 |
| Net loans and leases to core deposits | 88.1053% | 2,487 |
| Total domestic deposits to total assets | 79.6152% | 5,118 |
| Equity capital to assets | 10.5839% | 3,383 |
| Core capital (leverage) ratio | 10.0611% | 3,483 |
| Tier 1 risk-based capital ratio | 11.8897% | 5,433 |
| Total risk-based capital ratio | 12.8997% | 5,484 |
| Memoranda: | ||
| Average total assets | $1,010,954,000 | 668 |
| Average earning assets | $958,720,800 | 642 |
| Average equity | $103,343,800 | 705 |
| Average total loans | $608,438,400 | 721 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0957% | 3,396 |
| Cost of funding earning assets | 0.8347% | 579 |
| Net interest margin | 3.2610% | 4,754 |
| Noninterest income to average assets | 0.1438% | 6,056 |
| Noninterest expense to average assets | 2.2177% | 5,317 |
| Loan and lease loss provision to assets | 0.2293% | 975 |
| Net operating income to assets | 0.6250% | 4,330 |
| Return on assets (ROA) | 0.6664% | 4,223 |
| Pretax return on assets | 0.8351% | 4,239 |
| Return on Equity (ROE) | 6.5926% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.1658% | 2,980 |
| Net charge-offs to loans | -0.0097% | 5,418 |
| Credit loss provision to net charge-offs | -4,024.3902% | 6,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3255% | 3,800 |
| Assets per employee ($millions) | 9.2126% | 311 |
| Cash dividends to net income (ytd only)* | 21.6431% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 4,264 |
| Loan loss allowance to noncurrent loans | 207.6348% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 4,911 |
| Noncurrent loans to loans | 0.5753% | 4,191 |
| Net loans and leases to total assets | 58.1993% | 4,043 |
| Net loans and leases to deposits | 71.9679% | 3,687 |
| Net loans and leases to core deposits | 78.3919% | 3,496 |
| Total domestic deposits to total assets | 80.8684% | 4,856 |
| Equity capital to assets | 9.6429% | 4,620 |
| Core capital (leverage) ratio | 9.5049% | 4,363 |
| Tier 1 risk-based capital ratio | 11.4834% | 5,797 |
| Total risk-based capital ratio | 12.4190% | 5,878 |
| Memoranda: | ||
| Average total assets | $959,599,750 | 700 |
| Average earning assets | $908,236,250 | 672 |
| Average equity | $96,994,750 | 755 |
| Average total loans | $564,287,250 | 785 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 3,019 |
| Cost of funding earning assets | 0.8366% | 592 |
| Net interest margin | 3.3458% | 4,423 |
| Noninterest income to average assets | 0.1381% | 6,130 |
| Noninterest expense to average assets | 2.2260% | 5,353 |
| Loan and lease loss provision to assets | 0.2415% | 928 |
| Net operating income to assets | 0.6426% | 4,139 |
| Return on assets (ROA) | 0.7109% | 3,874 |
| Pretax return on assets | 0.9201% | 3,804 |
| Return on Equity (ROE) | 6.9047% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.4291% | 2,689 |
| Net charge-offs to loans | -0.0157% | 5,450 |
| Credit loss provision to net charge-offs | -2,619.0476% | 5,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1370% | 4,172 |
| Assets per employee ($millions) | 9.5960% | 266 |
| Cash dividends to net income (ytd only)* | 21.3712% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2824% | 3,950 |
| Loan loss allowance to noncurrent loans | 412.3788% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1809% | 5,591 |
| Noncurrent loans to loans | 0.3110% | 5,083 |
| Net loans and leases to total assets | 57.4143% | 4,064 |
| Net loans and leases to deposits | 72.7457% | 3,478 |
| Net loans and leases to core deposits | 79.8540% | 3,229 |
| Total domestic deposits to total assets | 78.9246% | 5,474 |
| Equity capital to assets | 10.3399% | 3,634 |
| Core capital (leverage) ratio | 9.5313% | 4,281 |
| Tier 1 risk-based capital ratio | 12.2531% | 5,381 |
| Total risk-based capital ratio | 13.2465% | 5,475 |
| Memoranda: | ||
| Average total assets | $910,961,670 | 737 |
| Average earning assets | $860,599,670 | 705 |
| Average equity | $93,791,670 | 780 |
| Average total loans | $535,323,330 | 817 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2246% | 2,783 |
| Cost of funding earning assets | 0.8118% | 706 |
| Net interest margin | 3.4127% | 4,064 |
| Noninterest income to average assets | 0.1465% | 6,094 |
| Noninterest expense to average assets | 2.2362% | 5,364 |
| Loan and lease loss provision to assets | 0.2948% | 662 |
| Net operating income to assets | 0.6364% | 4,018 |
| Return on assets (ROA) | 0.7584% | 3,451 |
| Pretax return on assets | 0.9947% | 3,339 |
| Return on Equity (ROE) | 7.3835% | 3,269 |
| Retained earnings to average equity (ytd only) | 5.8556% | 2,618 |
| Net charge-offs to loans | -0.0031% | 4,744 |
| Credit loss provision to net charge-offs | -16,250.0000% | 5,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1140% | 4,512 |
| Assets per employee ($millions) | 9.3948% | 296 |
| Cash dividends to net income (ytd only)* | 20.6938% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 4,500 |
| Loan loss allowance to noncurrent loans | 293.8535% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 5,399 |
| Noncurrent loans to loans | 0.4182% | 4,881 |
| Net loans and leases to total assets | 58.8538% | 3,721 |
| Net loans and leases to deposits | 72.8814% | 3,225 |
| Net loans and leases to core deposits | 80.3238% | 2,931 |
| Total domestic deposits to total assets | 80.7529% | 5,301 |
| Equity capital to assets | 10.0225% | 3,817 |
| Core capital (leverage) ratio | 9.5122% | 4,262 |
| Tier 1 risk-based capital ratio | 11.8552% | 5,724 |
| Total risk-based capital ratio | 12.8300% | 5,821 |
| Memoranda: | ||
| Average total assets | $881,843,500 | 767 |
| Average earning assets | $831,707,000 | 744 |
| Average equity | $90,580,500 | 809 |
| Average total loans | $521,141,500 | 838 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1822% | 3,410 |
| Cost of funding earning assets | 0.8908% | 776 |
| Net interest margin | 3.2914% | 4,694 |
| Noninterest income to average assets | 0.1882% | 5,958 |
| Noninterest expense to average assets | 2.3357% | 5,269 |
| Loan and lease loss provision to assets | 0.2044% | 1,816 |
| Net operating income to assets | 0.6305% | 4,111 |
| Return on assets (ROA) | 0.6646% | 4,061 |
| Pretax return on assets | 0.8023% | 4,133 |
| Return on Equity (ROE) | 6.3768% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.3768% | 1,758 |
| Net charge-offs to loans | 0.0410% | 4,653 |
| Credit loss provision to net charge-offs | 853.6585% | 293 |
| Earnings coverage of net charge-offs (x) | 40.3232% | 937 |
| Efficiency ratio | 70.5326% | 3,746 |
| Assets per employee ($millions) | 9.8023% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 4,487 |
| Loan loss allowance to noncurrent loans | 291.5230% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 5,389 |
| Noncurrent loans to loans | 0.4229% | 4,934 |
| Net loans and leases to total assets | 57.8405% | 4,059 |
| Net loans and leases to deposits | 71.6111% | 3,576 |
| Net loans and leases to core deposits | 76.4766% | 3,559 |
| Total domestic deposits to total assets | 80.7702% | 5,250 |
| Equity capital to assets | 10.5439% | 3,099 |
| Core capital (leverage) ratio | 9.6956% | 3,990 |
| Tier 1 risk-based capital ratio | 12.4891% | 5,296 |
| Total risk-based capital ratio | 13.4383% | 5,433 |
| Memoranda: | ||
| Average total assets | $684,809,800 | 973 |
| Average earning assets | $647,725,600 | 934 |
| Average equity | $71,367,800 | 997 |
| Average total loans | $400,090,000 | 1,072 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 4,127 |
| Cost of funding earning assets | 0.9109% | 777 |
| Net interest margin | 3.0914% | 5,340 |
| Noninterest income to average assets | 0.1703% | 6,166 |
| Noninterest expense to average assets | 2.3085% | 5,310 |
| Loan and lease loss provision to assets | 0.1963% | 1,858 |
| Net operating income to assets | 0.5385% | 4,625 |
| Return on assets (ROA) | 0.5389% | 4,773 |
| Pretax return on assets | 0.5951% | 5,028 |
| Return on Equity (ROE) | 5.1908% | 4,630 |
| Retained earnings to average equity (ytd only) | 5.1908% | 2,939 |
| Net charge-offs to loans | 0.0173% | 4,779 |
| Credit loss provision to net charge-offs | 1,938.7755% | 169 |
| Earnings coverage of net charge-offs (x) | 78.1244% | 607 |
| Efficiency ratio | 74.3200% | 3,010 |
| Assets per employee ($millions) | 9.3900% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 4,822 |
| Loan loss allowance to noncurrent loans | 180.8236% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 0.4394% | 5,111 |
| Noncurrent loans to loans | 0.6690% | 4,529 |
| Net loans and leases to total assets | 58.1669% | 3,985 |
| Net loans and leases to deposits | 69.9677% | 3,790 |
| Net loans and leases to core deposits | 74.9446% | 3,741 |
| Total domestic deposits to total assets | 83.1339% | 4,529 |
| Equity capital to assets | 10.2713% | 3,544 |
| Core capital (leverage) ratio | 10.3125% | 3,225 |
| Tier 1 risk-based capital ratio | 11.9226% | 5,823 |
| Total risk-based capital ratio | 12.8722% | 5,960 |
| Memoranda: | ||
| Average total assets | $645,262,000 | 1,044 |
| Average earning assets | $611,391,750 | 1,007 |
| Average equity | $66,988,500 | 1,079 |
| Average total loans | $376,691,750 | 1,134 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 3,762 |
| Cost of funding earning assets | 0.9721% | 635 |
| Net interest margin | 3.1202% | 5,219 |
| Noninterest income to average assets | 0.1698% | 6,195 |
| Noninterest expense to average assets | 2.4227% | 4,989 |
| Loan and lease loss provision to assets | 0.1692% | 2,222 |
| Net operating income to assets | 0.4943% | 4,822 |
| Return on assets (ROA) | 0.4943% | 5,000 |
| Pretax return on assets | 0.5437% | 5,226 |
| Return on Equity (ROE) | 4.7381% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.7381% | 3,235 |
| Net charge-offs to loans | 0.0268% | 4,320 |
| Credit loss provision to net charge-offs | 1,086.9565% | 284 |
| Earnings coverage of net charge-offs (x) | 45.8043% | 843 |
| Efficiency ratio | 77.1364% | 2,603 |
| Assets per employee ($millions) | 9.5385% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,613 |
| Loan loss allowance to noncurrent loans | 633.0549% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 5,983 |
| Noncurrent loans to loans | 0.2362% | 5,713 |
| Net loans and leases to total assets | 55.5141% | 4,372 |
| Net loans and leases to deposits | 68.2030% | 3,980 |
| Net loans and leases to core deposits | 72.9692% | 3,932 |
| Total domestic deposits to total assets | 81.3954% | 5,236 |
| Equity capital to assets | 10.6646% | 3,100 |
| Core capital (leverage) ratio | 10.9543% | 2,402 |
| Tier 1 risk-based capital ratio | 14.2183% | 4,276 |
| Total risk-based capital ratio | 15.3728% | 4,301 |
| Memoranda: | ||
| Average total assets | $591,168,000 | 1,136 |
| Average earning assets | $561,894,000 | 1,089 |
| Average equity | $61,669,670 | 1,179 |
| Average total loans | $343,764,000 | 1,231 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1172% | 3,653 |
| Cost of funding earning assets | 1.0159% | 563 |
| Net interest margin | 3.1013% | 5,259 |
| Noninterest income to average assets | 0.2622% | 5,586 |
| Noninterest expense to average assets | 2.4966% | 4,767 |
| Loan and lease loss provision to assets | 0.2329% | 1,568 |
| Net operating income to assets | 0.4569% | 4,882 |
| Return on assets (ROA) | 0.4609% | 5,030 |
| Pretax return on assets | 0.4853% | 5,305 |
| Return on Equity (ROE) | 4.4727% | 4,858 |
| Retained earnings to average equity (ytd only) | 4.4727% | 3,550 |
| Net charge-offs to loans | -0.0035% | 5,215 |
| Credit loss provision to net charge-offs | -11,100.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6301% | 2,670 |
| Assets per employee ($millions) | 9.5637% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 3,841 |
| Loan loss allowance to noncurrent loans | 605.9579% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 6,130 |
| Noncurrent loans to loans | 0.2470% | 5,793 |
| Net loans and leases to total assets | 58.5075% | 3,701 |
| Net loans and leases to deposits | 70.6019% | 3,375 |
| Net loans and leases to core deposits | 75.8526% | 3,344 |
| Total domestic deposits to total assets | 82.8696% | 4,900 |
| Equity capital to assets | 10.1299% | 3,975 |
| Core capital (leverage) ratio | 9.6490% | 3,848 |
| Tier 1 risk-based capital ratio | 12.5847% | 5,527 |
| Total risk-based capital ratio | 13.7690% | 5,515 |
| Memoranda: | ||
| Average total assets | $571,982,500 | 1,187 |
| Average earning assets | $543,765,000 | 1,141 |
| Average equity | $58,935,500 | 1,242 |
| Average total loans | $338,252,000 | 1,252 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7193% | 2,520 |
| Cost of funding earning assets | 1.1229% | 832 |
| Net interest margin | 3.5963% | 4,098 |
| Noninterest income to average assets | 0.2483% | 5,682 |
| Noninterest expense to average assets | 2.8240% | 3,930 |
| Loan and lease loss provision to assets | 0.5854% | 949 |
| Net operating income to assets | 0.2750% | 5,557 |
| Return on assets (ROA) | 0.4764% | 5,026 |
| Pretax return on assets | 0.4492% | 5,427 |
| Return on Equity (ROE) | 4.1786% | 5,067 |
| Retained earnings to average equity (ytd only) | 4.1786% | 3,287 |
| Net charge-offs to loans | 0.0383% | 5,381 |
| Credit loss provision to net charge-offs | 2,702.1978% | 89 |
| Earnings coverage of net charge-offs (x) | 38.4615% | 835 |
| Efficiency ratio | 77.0603% | 2,584 |
| Assets per employee ($millions) | 9.5014% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4700% | 3,866 |
| Loan loss allowance to noncurrent loans | 132.6860% | 2,623 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 4,838 |
| Noncurrent loans to loans | 1.1079% | 3,994 |
| Net loans and leases to total assets | 58.0010% | 3,980 |
| Net loans and leases to deposits | 70.5552% | 3,628 |
| Net loans and leases to core deposits | 76.4251% | 3,475 |
| Total domestic deposits to total assets | 82.2065% | 5,029 |
| Equity capital to assets | 10.4846% | 3,546 |
| Core capital (leverage) ratio | 10.8799% | 2,360 |
| Tier 1 risk-based capital ratio | 13.3757% | 4,837 |
| Total risk-based capital ratio | 14.5640% | 4,832 |
| Memoranda: | ||
| Average total assets | $420,039,600 | 1,562 |
| Average earning assets | $398,154,200 | 1,514 |
| Average equity | $47,886,600 | 1,457 |
| Average total loans | $237,388,400 | 1,729 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 1,767 |
| Cost of funding earning assets | 1.1772% | 772 |
| Net interest margin | 3.7951% | 3,355 |
| Noninterest income to average assets | 0.1625% | 6,327 |
| Noninterest expense to average assets | 2.9465% | 3,423 |
| Loan and lease loss provision to assets | 0.5438% | 1,081 |
| Net operating income to assets | 0.2986% | 5,620 |
| Return on assets (ROA) | 0.4912% | 5,148 |
| Pretax return on assets | 0.4583% | 5,569 |
| Return on Equity (ROE) | 4.1861% | 5,207 |
| Retained earnings to average equity (ytd only) | 4.1861% | 3,949 |
| Net charge-offs to loans | 0.0492% | 4,967 |
| Credit loss provision to net charge-offs | 1,987.3418% | 136 |
| Earnings coverage of net charge-offs (x) | 29.5825% | 1,109 |
| Efficiency ratio | 78.2809% | 2,358 |
| Assets per employee ($millions) | 7.4834% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,953 |
| Loan loss allowance to noncurrent loans | 529.8667% | 725 |
| Noncurrent assets plus other real estate owned to assets | 0.1699% | 6,280 |
| Noncurrent loans to loans | 0.2831% | 5,924 |
| Net loans and leases to total assets | 59.1018% | 3,947 |
| Net loans and leases to deposits | 73.8995% | 3,296 |
| Net loans and leases to core deposits | 80.8404% | 3,100 |
| Total domestic deposits to total assets | 79.9759% | 5,660 |
| Equity capital to assets | 12.1171% | 2,168 |
| Core capital (leverage) ratio | 12.0749% | 1,610 |
| Tier 1 risk-based capital ratio | 14.7978% | 3,986 |
| Total risk-based capital ratio | 15.9801% | 3,987 |
| Memoranda: | ||
| Average total assets | $384,904,000 | 1,715 |
| Average earning assets | $364,463,000 | 1,659 |
| Average equity | $45,164,500 | 1,556 |
| Average total loans | $214,237,000 | 1,910 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0259% | 1,715 |
| Cost of funding earning assets | 1.2432% | 674 |
| Net interest margin | 3.7827% | 3,442 |
| Noninterest income to average assets | 0.1055% | 6,647 |
| Noninterest expense to average assets | 2.8883% | 3,671 |
| Loan and lease loss provision to assets | 0.4918% | 1,294 |
| Net operating income to assets | 0.3045% | 5,601 |
| Return on assets (ROA) | 0.5874% | 4,681 |
| Pretax return on assets | 0.5939% | 5,160 |
| Return on Equity (ROE) | 5.0724% | 4,777 |
| Retained earnings to average equity (ytd only) | 5.0724% | 3,242 |
| Net charge-offs to loans | 0.0497% | 4,709 |
| Credit loss provision to net charge-offs | 1,836.7347% | 170 |
| Earnings coverage of net charge-offs (x) | 29.8776% | 1,073 |
| Efficiency ratio | 78.1333% | 2,444 |
| Assets per employee ($millions) | 7.5752% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5110% | 3,965 |
| Loan loss allowance to noncurrent loans | 376.7232% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2860% | 6,055 |
| Noncurrent loans to loans | 0.4011% | 5,735 |
| Net loans and leases to total assets | 56.2499% | 4,427 |
| Net loans and leases to deposits | 69.5742% | 3,961 |
| Net loans and leases to core deposits | 77.0583% | 3,648 |
| Total domestic deposits to total assets | 80.8487% | 5,521 |
| Equity capital to assets | 12.7118% | 1,678 |
| Core capital (leverage) ratio | 12.1456% | 1,522 |
| Tier 1 risk-based capital ratio | 15.4420% | 3,480 |
| Total risk-based capital ratio | 16.5760% | 3,522 |
| Memoranda: | ||
| Average total assets | $366,031,000 | 1,802 |
| Average earning assets | $346,681,330 | 1,739 |
| Average equity | $42,386,000 | 1,650 |
| Average total loans | $197,342,000 | 2,052 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 1,822 |
| Cost of funding earning assets | 1.2893% | 656 |
| Net interest margin | 3.7309% | 3,691 |
| Noninterest income to average assets | 0.1101% | 6,694 |
| Noninterest expense to average assets | 2.8785% | 3,711 |
| Loan and lease loss provision to assets | 0.3372% | 1,858 |
| Net operating income to assets | 0.4709% | 4,957 |
| Return on assets (ROA) | 0.5182% | 4,955 |
| Pretax return on assets | 0.4642% | 5,540 |
| Return on Equity (ROE) | 4.7253% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.7253% | 3,731 |
| Net charge-offs to loans | -0.0108% | 5,969 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0532% | 2,341 |
| Assets per employee ($millions) | 7.9484% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 4,293 |
| Loan loss allowance to noncurrent loans | 279.9197% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 5,926 |
| Noncurrent loans to loans | 0.5252% | 5,615 |
| Net loans and leases to total assets | 51.1041% | 5,136 |
| Net loans and leases to deposits | 62.0970% | 4,904 |
| Net loans and leases to core deposits | 69.1744% | 4,539 |
| Total domestic deposits to total assets | 82.2973% | 5,201 |
| Equity capital to assets | 10.8115% | 3,130 |
| Core capital (leverage) ratio | 10.0497% | 3,310 |
| Tier 1 risk-based capital ratio | 13.1501% | 5,095 |
| Total risk-based capital ratio | 14.1856% | 5,233 |
| Memoranda: | ||
| Average total assets | $355,879,000 | 1,857 |
| Average earning assets | $336,001,500 | 1,797 |
| Average equity | $39,024,000 | 1,777 |
| Average total loans | $185,689,500 | 2,161 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2261% | 1,960 |
| Cost of funding earning assets | 1.4088% | 999 |
| Net interest margin | 3.8172% | 3,735 |
| Noninterest income to average assets | 0.2352% | 5,854 |
| Noninterest expense to average assets | 2.6335% | 4,980 |
| Loan and lease loss provision to assets | 0.2994% | 3,269 |
| Net operating income to assets | 1.9341% | 353 |
| Return on assets (ROA) | 1.8925% | 418 |
| Pretax return on assets | 0.8558% | 3,760 |
| Return on Equity (ROE) | 17.2183% | 453 |
| Retained earnings to average equity (ytd only) | 17.2183% | 77 |
| Net charge-offs to loans | 0.2023% | 4,528 |
| Credit loss provision to net charge-offs | 291.5408% | 816 |
| Earnings coverage of net charge-offs (x) | 11.6526% | 1,698 |
| Efficiency ratio | 68.5596% | 4,241 |
| Assets per employee ($millions) | 8.8751% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3662% | 4,613 |
| Loan loss allowance to noncurrent loans | 883.6299% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.2869% | 6,244 |
| Noncurrent loans to loans | 0.1546% | 6,441 |
| Net loans and leases to total assets | 51.7889% | 5,344 |
| Net loans and leases to deposits | 63.6101% | 5,060 |
| Net loans and leases to core deposits | 69.5655% | 4,839 |
| Total domestic deposits to total assets | 81.4162% | 5,319 |
| Equity capital to assets | 11.1282% | 2,859 |
| Core capital (leverage) ratio | 10.1651% | 3,146 |
| Tier 1 risk-based capital ratio | 13.9178% | 4,382 |
| Total risk-based capital ratio | 14.8970% | 4,553 |
| Memoranda: | ||
| Average total assets | $322,269,600 | 1,997 |
| Average earning assets | $303,517,200 | 1,933 |
| Average equity | $35,421,600 | 1,909 |
| Average total loans | $163,613,000 | 2,445 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8544% | 3,762 |
| Cost of funding earning assets | 1.3439% | 1,485 |
| Net interest margin | 3.5106% | 5,144 |
| Noninterest income to average assets | 0.1751% | 6,331 |
| Noninterest expense to average assets | 2.7971% | 4,356 |
| Loan and lease loss provision to assets | 0.2609% | 3,418 |
| Net operating income to assets | 1.4342% | 1,089 |
| Return on assets (ROA) | 1.3809% | 1,277 |
| Pretax return on assets | 0.4817% | 5,219 |
| Return on Equity (ROE) | 12.7691% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.7691% | 406 |
| Net charge-offs to loans | -0.0289% | 6,968 |
| Credit loss provision to net charge-offs | -1,730.7692% | 6,814 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8477% | 2,565 |
| Assets per employee ($millions) | 8.2406% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7299% | 3,172 |
| Loan loss allowance to noncurrent loans | 155.5944% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 5,237 |
| Noncurrent loans to loans | 1.1118% | 4,700 |
| Net loans and leases to total assets | 51.1284% | 5,565 |
| Net loans and leases to deposits | 62.0681% | 5,393 |
| Net loans and leases to core deposits | 67.3731% | 5,258 |
| Total domestic deposits to total assets | 82.3746% | 4,939 |
| Equity capital to assets | 10.8095% | 3,342 |
| Core capital (leverage) ratio | 10.4458% | 2,939 |
| Tier 1 risk-based capital ratio | 13.7596% | 4,532 |
| Total risk-based capital ratio | 14.9736% | 4,519 |
| Memoranda: | ||
| Average total assets | $229,991,250 | 2,732 |
| Average earning assets | $223,927,500 | 2,580 |
| Average equity | $24,872,000 | 2,591 |
| Average total loans | $120,076,500 | 3,193 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8699% | 3,756 |
| Cost of funding earning assets | 1.3773% | 1,515 |
| Net interest margin | 3.4926% | 5,196 |
| Noninterest income to average assets | 0.1534% | 6,554 |
| Noninterest expense to average assets | 2.7077% | 4,797 |
| Loan and lease loss provision to assets | 0.2676% | 3,258 |
| Net operating income to assets | 1.8961% | 416 |
| Return on assets (ROA) | 1.7944% | 546 |
| Pretax return on assets | 0.4825% | 5,126 |
| Return on Equity (ROE) | 16.5904% | 598 |
| Retained earnings to average equity (ytd only) | 16.5904% | 178 |
| Net charge-offs to loans | -0.0239% | 6,860 |
| Credit loss provision to net charge-offs | -2,142.8571% | 6,690 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0712% | 2,999 |
| Assets per employee ($millions) | 8.4877% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7242% | 3,246 |
| Loan loss allowance to noncurrent loans | 151.9146% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 5,641 |
| Noncurrent loans to loans | 1.1350% | 4,764 |
| Net loans and leases to total assets | 51.3091% | 5,654 |
| Net loans and leases to deposits | 61.8034% | 5,524 |
| Net loans and leases to core deposits | 65.5623% | 5,559 |
| Total domestic deposits to total assets | 83.0199% | 4,742 |
| Equity capital to assets | 11.2180% | 2,749 |
| Core capital (leverage) ratio | 10.7041% | 2,516 |
| Tier 1 risk-based capital ratio | 14.5115% | 3,778 |
| Total risk-based capital ratio | 15.7345% | 3,771 |
| Memoranda: | ||
| Average total assets | $224,249,330 | 2,816 |
| Average earning assets | $218,692,000 | 2,658 |
| Average equity | $24,255,000 | 2,632 |
| Average total loans | $117,227,670 | 3,285 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7659% | 4,225 |
| Cost of funding earning assets | 1.3810% | 1,707 |
| Net interest margin | 3.3850% | 5,484 |
| Noninterest income to average assets | 0.1605% | 6,577 |
| Noninterest expense to average assets | 2.5664% | 5,344 |
| Loan and lease loss provision to assets | 0.2705% | 2,987 |
| Net operating income to assets | 3.2824% | 100 |
| Return on assets (ROA) | 3.0858% | 110 |
| Pretax return on assets | 0.4292% | 5,250 |
| Return on Equity (ROE) | 29.0881% | 94 |
| Retained earnings to average equity (ytd only) | 29.0881% | 64 |
| Net charge-offs to loans | -0.0034% | 6,210 |
| Credit loss provision to net charge-offs | -15,000.0000% | 6,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1146% | 3,493 |
| Assets per employee ($millions) | 9.0146% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6528% | 3,515 |
| Loan loss allowance to noncurrent loans | 135.2313% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6838% | 5,578 |
| Noncurrent loans to loans | 1.2222% | 4,638 |
| Net loans and leases to total assets | 50.1668% | 5,830 |
| Net loans and leases to deposits | 60.3168% | 5,693 |
| Net loans and leases to core deposits | 63.7311% | 5,759 |
| Total domestic deposits to total assets | 83.1723% | 4,866 |
| Equity capital to assets | 10.8659% | 2,810 |
| Core capital (leverage) ratio | 10.8760% | 2,289 |
| Tier 1 risk-based capital ratio | 15.1423% | 3,348 |
| Total risk-based capital ratio | 16.3498% | 3,334 |
| Memoranda: | ||
| Average total assets | $221,790,000 | 2,862 |
| Average earning assets | $216,368,500 | 2,707 |
| Average equity | $23,528,500 | 2,687 |
| Average total loans | $116,018,000 | 3,338 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1567% | 3,819 |
| Cost of funding earning assets | 1.8358% | 1,044 |
| Net interest margin | 3.3209% | 5,904 |
| Noninterest income to average assets | 0.0530% | 7,089 |
| Noninterest expense to average assets | 2.3570% | 6,203 |
| Loan and lease loss provision to assets | 0.6563% | 2,513 |
| Net operating income to assets | 0.2670% | 5,044 |
| Return on assets (ROA) | 0.3769% | 4,798 |
| Pretax return on assets | 0.3769% | 5,016 |
| Return on Equity (ROE) | 3.7049% | 4,651 |
| Retained earnings to average equity (ytd only) | 3.7049% | 3,270 |
| Net charge-offs to loans | 0.8818% | 2,426 |
| Credit loss provision to net charge-offs | 136.7371% | 2,803 |
| Earnings coverage of net charge-offs (x) | 1.9237% | 4,288 |
| Efficiency ratio | 71.8530% | 3,820 |
| Assets per employee ($millions) | 9.9188% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 4,048 |
| Loan loss allowance to noncurrent loans | 143.3607% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 5,769 |
| Noncurrent loans to loans | 1.0420% | 4,982 |
| Net loans and leases to total assets | 52.8509% | 5,805 |
| Net loans and leases to deposits | 63.4406% | 5,695 |
| Net loans and leases to core deposits | 65.4340% | 5,933 |
| Total domestic deposits to total assets | 83.3077% | 4,678 |
| Equity capital to assets | 10.3426% | 3,337 |
| Core capital (leverage) ratio | 10.8061% | 2,306 |
| Tier 1 risk-based capital ratio | 14.8165% | 3,361 |
| Total risk-based capital ratio | 15.9367% | 3,393 |
| Memoranda: | ||
| Average total assets | $177,515,600 | 3,414 |
| Average earning assets | $172,512,200 | 3,235 |
| Average equity | $18,057,000 | 3,416 |
| Average total loans | $96,620,800 | 3,883 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 4,068 |
| Cost of funding earning assets | 1.9134% | 990 |
| Net interest margin | 3.2393% | 6,210 |
| Noninterest income to average assets | 0.0661% | 7,201 |
| Noninterest expense to average assets | 2.4301% | 5,940 |
| Loan and lease loss provision to assets | 0.5298% | 2,815 |
| Net operating income to assets | 0.2518% | 5,345 |
| Return on assets (ROA) | 0.4095% | 4,888 |
| Pretax return on assets | 0.4095% | 5,191 |
| Return on Equity (ROE) | 4.0482% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.0482% | 3,627 |
| Net charge-offs to loans | 0.8757% | 2,257 |
| Credit loss provision to net charge-offs | 110.6489% | 3,825 |
| Earnings coverage of net charge-offs (x) | 1.6323% | 4,489 |
| Efficiency ratio | 75.6636% | 3,010 |
| Assets per employee ($millions) | 9.6141% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 4,071 |
| Loan loss allowance to noncurrent loans | 80.8190% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 0.9317% | 5,234 |
| Noncurrent loans to loans | 1.8258% | 3,904 |
| Net loans and leases to total assets | 49.6072% | 6,361 |
| Net loans and leases to deposits | 59.8967% | 6,323 |
| Net loans and leases to core deposits | 61.5577% | 6,494 |
| Total domestic deposits to total assets | 82.8214% | 4,666 |
| Equity capital to assets | 9.1354% | 5,400 |
| Core capital (leverage) ratio | 9.0640% | 4,582 |
| Tier 1 risk-based capital ratio | 12.6279% | 4,870 |
| Total risk-based capital ratio | 13.7123% | 4,992 |
| Memoranda: | ||
| Average total assets | $167,341,000 | 3,631 |
| Average earning assets | $162,502,250 | 3,454 |
| Average equity | $16,929,000 | 3,649 |
| Average total loans | $91,506,750 | 4,080 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 4,340 |
| Cost of funding earning assets | 1.9946% | 921 |
| Net interest margin | 3.1267% | 6,529 |
| Noninterest income to average assets | 0.0937% | 7,121 |
| Noninterest expense to average assets | 2.4246% | 5,995 |
| Loan and lease loss provision to assets | 0.4043% | 3,294 |
| Net operating income to assets | 0.2888% | 5,224 |
| Return on assets (ROA) | 0.2888% | 5,377 |
| Pretax return on assets | 0.2888% | 5,530 |
| Return on Equity (ROE) | 2.7399% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.7399% | 4,388 |
| Net charge-offs to loans | 0.3949% | 3,397 |
| Credit loss provision to net charge-offs | 181.0345% | 2,171 |
| Earnings coverage of net charge-offs (x) | 3.1034% | 3,454 |
| Efficiency ratio | 77.7686% | 2,766 |
| Assets per employee ($millions) | 8.8654% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 3,129 |
| Loan loss allowance to noncurrent loans | 74.2467% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 4,716 |
| Noncurrent loans to loans | 2.2724% | 3,405 |
| Net loans and leases to total assets | 51.8276% | 6,231 |
| Net loans and leases to deposits | 63.3145% | 6,106 |
| Net loans and leases to core deposits | 65.3218% | 6,289 |
| Total domestic deposits to total assets | 81.8575% | 5,050 |
| Equity capital to assets | 9.9314% | 4,099 |
| Core capital (leverage) ratio | 10.1914% | 2,948 |
| Tier 1 risk-based capital ratio | 13.7429% | 3,911 |
| Total risk-based capital ratio | 14.9934% | 3,871 |
| Memoranda: | ||
| Average total assets | $155,822,670 | 3,862 |
| Average earning assets | $150,703,670 | 3,694 |
| Average equity | $16,424,000 | 3,732 |
| Average total loans | $88,124,000 | 4,194 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 4,373 |
| Cost of funding earning assets | 2.0461% | 954 |
| Net interest margin | 3.0878% | 6,625 |
| Noninterest income to average assets | 0.1103% | 7,145 |
| Noninterest expense to average assets | 2.5641% | 5,494 |
| Loan and lease loss provision to assets | 0.2757% | 3,815 |
| Net operating income to assets | 0.2454% | 5,515 |
| Return on assets (ROA) | 0.2454% | 5,635 |
| Pretax return on assets | 0.2454% | 5,758 |
| Return on Equity (ROE) | 2.2487% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.2487% | 4,784 |
| Net charge-offs to loans | 0.0889% | 4,528 |
| Credit loss provision to net charge-offs | 526.3158% | 802 |
| Earnings coverage of net charge-offs (x) | 9.9474% | 1,795 |
| Efficiency ratio | 83.1099% | 2,129 |
| Assets per employee ($millions) | 8.5445% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7069% | 3,042 |
| Loan loss allowance to noncurrent loans | 134.4858% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 5,653 |
| Noncurrent loans to loans | 1.2692% | 4,862 |
| Net loans and leases to total assets | 56.7994% | 5,638 |
| Net loans and leases to deposits | 68.1266% | 5,572 |
| Net loans and leases to core deposits | 70.3241% | 5,887 |
| Total domestic deposits to total assets | 83.3733% | 4,443 |
| Equity capital to assets | 10.3133% | 3,455 |
| Core capital (leverage) ratio | 10.8386% | 2,346 |
| Tier 1 risk-based capital ratio | 14.0362% | 3,632 |
| Total risk-based capital ratio | 15.2878% | 3,593 |
| Memoranda: | ||
| Average total assets | $145,080,500 | 4,113 |
| Average earning assets | $139,777,500 | 3,969 |
| Average equity | $15,831,500 | 3,860 |
| Average total loans | $85,450,500 | 4,339 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5346% | 3,960 |
| Cost of funding earning assets | 2.6254% | 723 |
| Net interest margin | 2.9092% | 6,847 |
| Noninterest income to average assets | 0.1093% | 7,218 |
| Noninterest expense to average assets | 2.8454% | 4,770 |
| Loan and lease loss provision to assets | 0.5999% | 3,396 |
| Net operating income to assets | -0.5286% | 6,220 |
| Return on assets (ROA) | -0.2567% | 5,909 |
| Pretax return on assets | -0.2567% | 5,780 |
| Return on Equity (ROE) | -1.9370% | 5,850 |
| Retained earnings to average equity (ytd only) | -1.9370% | 5,504 |
| Net charge-offs to loans | 0.4049% | 4,201 |
| Credit loss provision to net charge-offs | 214.6259% | 1,783 |
| Earnings coverage of net charge-offs (x) | 0.2551% | 5,864 |
| Efficiency ratio | 97.5554% | 1,234 |
| Assets per employee ($millions) | 6.8180% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,707 |
| Loan loss allowance to noncurrent loans | 121.0793% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 5,250 |
| Noncurrent loans to loans | 1.4459% | 4,502 |
| Net loans and leases to total assets | 59.1009% | 5,477 |
| Net loans and leases to deposits | 73.1951% | 5,166 |
| Net loans and leases to core deposits | 88.6374% | 5,263 |
| Total domestic deposits to total assets | 80.7444% | 5,426 |
| Equity capital to assets | 11.5877% | 2,256 |
| Core capital (leverage) ratio | 12.2859% | 1,537 |
| Tier 1 risk-based capital ratio | 15.5457% | 2,698 |
| Total risk-based capital ratio | 16.7990% | 2,646 |
| Memoranda: | ||
| Average total assets | $105,189,000 | 4,956 |
| Average earning assets | $101,506,600 | 4,798 |
| Average equity | $13,939,400 | 4,267 |
| Average total loans | $72,609,800 | 4,777 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6210% | 3,735 |
| Cost of funding earning assets | 2.7024% | 783 |
| Net interest margin | 2.9186% | 6,808 |
| Noninterest income to average assets | 0.1177% | 7,304 |
| Noninterest expense to average assets | 2.8460% | 4,692 |
| Loan and lease loss provision to assets | 0.7269% | 2,559 |
| Net operating income to assets | -0.6283% | 6,548 |
| Return on assets (ROA) | -0.4394% | 6,365 |
| Pretax return on assets | -0.4394% | 6,237 |
| Return on Equity (ROE) | -3.1764% | 6,268 |
| Retained earnings to average equity (ytd only) | -3.1764% | 5,970 |
| Net charge-offs to loans | 0.4289% | 3,537 |
| Credit loss provision to net charge-offs | 234.9558% | 1,856 |
| Earnings coverage of net charge-offs (x) | 0.3186% | 5,700 |
| Efficiency ratio | 96.6527% | 1,236 |
| Assets per employee ($millions) | 6.8951% | 825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8180% | 2,221 |
| Loan loss allowance to noncurrent loans | 111.7834% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 1.1330% | 4,812 |
| Noncurrent loans to loans | 1.6264% | 4,204 |
| Net loans and leases to total assets | 64.6857% | 4,715 |
| Net loans and leases to deposits | 79.3150% | 4,507 |
| Net loans and leases to core deposits | 97.1429% | 4,687 |
| Total domestic deposits to total assets | 81.5554% | 4,853 |
| Equity capital to assets | 13.6637% | 1,426 |
| Core capital (leverage) ratio | 13.9565% | 1,103 |
| Tier 1 risk-based capital ratio | 18.6590% | 1,829 |
| Total risk-based capital ratio | 19.9144% | 1,786 |
| Memoranda: | ||
| Average total assets | $97,396,250 | 5,197 |
| Average earning assets | $94,334,250 | 5,029 |
| Average equity | $13,474,000 | 4,422 |
| Average total loans | $70,255,750 | 4,902 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5268% | 4,464 |
| Cost of funding earning assets | 2.7566% | 891 |
| Net interest margin | 2.7703% | 7,070 |
| Noninterest income to average assets | 0.0991% | 7,486 |
| Noninterest expense to average assets | 3.0268% | 3,976 |
| Loan and lease loss provision to assets | 0.7732% | 2,144 |
| Net operating income to assets | -1.0310% | 7,008 |
| Return on assets (ROA) | -0.7270% | 6,776 |
| Pretax return on assets | -0.7270% | 6,621 |
| Return on Equity (ROE) | -5.2270% | 6,638 |
| Retained earnings to average equity (ytd only) | -5.2270% | 6,340 |
| Net charge-offs to loans | 0.3886% | 3,257 |
| Credit loss provision to net charge-offs | 265.9091% | 1,752 |
| Earnings coverage of net charge-offs (x) | -0.8864% | 6,201 |
| Efficiency ratio | 109.3079% | 867 |
| Assets per employee ($millions) | 6.7817% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9168% | 1,753 |
| Loan loss allowance to noncurrent loans | 43.2699% | 5,480 |
| Noncurrent assets plus other real estate owned to assets | 3.1575% | 1,989 |
| Noncurrent loans to loans | 4.4299% | 1,463 |
| Net loans and leases to total assets | 66.2984% | 4,509 |
| Net loans and leases to deposits | 80.5460% | 4,468 |
| Net loans and leases to core deposits | 102.8220% | 4,200 |
| Total domestic deposits to total assets | 82.3111% | 4,564 |
| Equity capital to assets | 12.1298% | 2,131 |
| Core capital (leverage) ratio | 12.5931% | 1,577 |
| Tier 1 risk-based capital ratio | 16.2149% | 2,545 |
| Total risk-based capital ratio | 17.4705% | 2,492 |
| Memoranda: | ||
| Average total assets | $90,789,670 | 5,435 |
| Average earning assets | $87,500,330 | 5,279 |
| Average equity | $12,626,670 | 4,654 |
| Average total loans | $67,932,330 | 5,032 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5264% | 4,776 |
| Cost of funding earning assets | 2.6883% | 1,305 |
| Net interest margin | 2.8381% | 6,904 |
| Noninterest income to average assets | 0.0985% | 7,549 |
| Noninterest expense to average assets | 3.0426% | 3,584 |
| Loan and lease loss provision to assets | 1.1767% | 1,102 |
| Net operating income to assets | -1.3689% | 7,448 |
| Return on assets (ROA) | -0.7126% | 7,105 |
| Pretax return on assets | -0.7126% | 6,976 |
| Return on Equity (ROE) | -4.7610% | 6,963 |
| Retained earnings to average equity (ytd only) | -4.7610% | 6,525 |
| Net charge-offs to loans | -0.0059% | 7,196 |
| Credit loss provision to net charge-offs | -25,100.0000% | 6,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7434% | 908 |
| Assets per employee ($millions) | 5.8425% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 1,635 |
| Loan loss allowance to noncurrent loans | 220.3915% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 5,525 |
| Noncurrent loans to loans | 0.8582% | 5,303 |
| Net loans and leases to total assets | 74.9679% | 2,511 |
| Net loans and leases to deposits | 96.7822% | 1,826 |
| Net loans and leases to core deposits | 131.5957% | 1,562 |
| Total domestic deposits to total assets | 77.4604% | 6,162 |
| Equity capital to assets | 13.5633% | 1,511 |
| Core capital (leverage) ratio | 15.1442% | 937 |
| Tier 1 risk-based capital ratio | 16.9032% | 2,366 |
| Total risk-based capital ratio | 18.1605% | 2,295 |
| Memoranda: | ||
| Average total assets | $85,322,000 | 5,635 |
| Average earning assets | $82,730,000 | 5,467 |
| Average equity | $12,770,500 | 4,635 |
| Average total loans | $67,518,500 | 5,073 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3539% | 3,676 |
| Cost of funding earning assets | 2.9974% | 1,870 |
| Net interest margin | 3.3565% | 5,842 |
| Noninterest income to average assets | 0.2711% | 6,515 |
| Noninterest expense to average assets | 4.3588% | 986 |
| Loan and lease loss provision to assets | 2.0887% | 564 |
| Net operating income to assets | -3.4168% | 7,895 |
| Return on assets (ROA) | -3.4168% | 7,881 |
| Pretax return on assets | -2.9683% | 7,701 |
| Return on Equity (ROE) | -12.7913% | 7,485 |
| Retained earnings to average equity (ytd only) | -12.7913% | 7,315 |
| Net charge-offs to loans | 0.3774% | 2,953 |
| Credit loss provision to net charge-offs | 673.5849% | 634 |
| Earnings coverage of net charge-offs (x) | -2.8365% | 6,755 |
| Efficiency ratio | 125.2803% | 510 |
| Assets per employee ($millions) | 7.0149% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7278% | 1,829 |
| Loan loss allowance to noncurrent loans | 779.4326% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 6,826 |
| Noncurrent loans to loans | 0.2217% | 6,724 |
| Net loans and leases to total assets | 81.0054% | 1,435 |
| Net loans and leases to deposits | 112.0719% | 702 |
| Net loans and leases to core deposits | 166.5565% | 466 |
| Total domestic deposits to total assets | 72.2798% | 6,949 |
| Equity capital to assets | 16.6684% | 817 |
| Core capital (leverage) ratio | 18.0703% | 598 |
| Tier 1 risk-based capital ratio | 19.4706% | 1,709 |
| Total risk-based capital ratio | 20.7262% | 1,671 |
| Memoranda: | ||
| Average total assets | $51,275,800 | 6,720 |
| Average earning assets | $49,009,600 | 6,634 |
| Average equity | $13,696,800 | 4,401 |
| Average total loans | $42,128,200 | 6,068 |