Home > First Federal Savings and Loan Association of Lakewood > Performance and Condition Ratios
First Federal Savings and Loan Association of Lakewood, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3040% | 3,439 |
| Cost of funding earning assets | 2.0131% | 900 |
| Net interest margin | 2.2909% | 4,269 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.0833% | 3,447 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.3118% | 4,009 |
| Return on assets (ROA) | 0.2644% | 4,084 |
| Pretax return on assets | 0.3137% | 4,080 |
| Return on Equity (ROE) | 3.2600% | 3,980 |
| Retained earnings to average equity (ytd only) | -0.2000% | 4,108 |
| Net charge-offs to loans | 0.0229% | 1,862 |
| Credit loss provision to net charge-offs | 137.1595% | 1,548 |
| Earnings coverage of net charge-offs (x) | 19.8755% | 1,886 |
| Efficiency ratio | 84.4968% | 639 |
| Assets per employee ($millions) | 10.4865% | 619 |
| Cash dividends to net income (ytd only)* | 106.1271% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 3,973 |
| Loan loss allowance to noncurrent loans | 303.8721% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 2,112 |
| Noncurrent loans to loans | 0.2619% | 2,247 |
| Net loans and leases to total assets | 83.8900% | 279 |
| Net loans and leases to deposits | 117.1752% | 104 |
| Net loans and leases to core deposits | 127.4883% | 451 |
| Total domestic deposits to total assets | 71.5900% | 4,240 |
| Equity capital to assets | 7.6850% | 3,607 |
| Core capital (leverage) ratio | 8.2940% | 4,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7811% | 2,312 |
| Memoranda: | ||
| Average total assets | $2,672,717,000 | 439 |
| Average earning assets | $2,483,593,400 | 424 |
| Average equity | $216,551,800 | 506 |
| Average total loans | $2,242,884,200 | 370 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 3,506 |
| Cost of funding earning assets | 1.8527% | 926 |
| Net interest margin | 2.3259% | 4,288 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.1189% | 3,307 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.3414% | 4,069 |
| Return on assets (ROA) | 0.3414% | 4,069 |
| Pretax return on assets | 0.4145% | 4,043 |
| Return on Equity (ROE) | 4.1600% | 3,956 |
| Retained earnings to average equity (ytd only) | -0.0523% | 4,152 |
| Net charge-offs to loans | 0.0238% | 1,605 |
| Credit loss provision to net charge-offs | 178.9340% | 1,195 |
| Earnings coverage of net charge-offs (x) | 21.6447% | 1,775 |
| Efficiency ratio | 83.0981% | 665 |
| Assets per employee ($millions) | 9.1913% | 873 |
| Cash dividends to net income (ytd only)* | 101.2583% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8215% | 3,942 |
| Loan loss allowance to noncurrent loans | 320.7989% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 2,176 |
| Noncurrent loans to loans | 0.2561% | 2,321 |
| Net loans and leases to total assets | 84.1700% | 264 |
| Net loans and leases to deposits | 118.8306% | 88 |
| Net loans and leases to core deposits | 127.7883% | 372 |
| Total domestic deposits to total assets | 70.8300% | 4,301 |
| Equity capital to assets | 7.9574% | 3,077 |
| Core capital (leverage) ratio | 8.6216% | 4,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7930% | 2,348 |
| Memoranda: | ||
| Average total assets | $2,638,297,500 | 443 |
| Average earning assets | $2,448,743,000 | 428 |
| Average equity | $216,695,250 | 504 |
| Average total loans | $2,209,460,750 | 374 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0273% | 3,627 |
| Cost of funding earning assets | 1.6027% | 1,058 |
| Net interest margin | 2.4246% | 4,283 |
| Noninterest income to average assets | 0.4800% | 1,983 |
| Noninterest expense to average assets | 2.2527% | 2,945 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.3730% | 4,046 |
| Return on assets (ROA) | 0.3730% | 4,064 |
| Pretax return on assets | 0.4562% | 4,034 |
| Return on Equity (ROE) | 4.4900% | 3,954 |
| Retained earnings to average equity (ytd only) | -1.0401% | 4,224 |
| Net charge-offs to loans | 0.0088% | 1,874 |
| Credit loss provision to net charge-offs | 651.0417% | 549 |
| Earnings coverage of net charge-offs (x) | 65.3542% | 1,147 |
| Efficiency ratio | 82.3996% | 686 |
| Assets per employee ($millions) | 8.7159% | 1,000 |
| Cash dividends to net income (ytd only)* | 123.1497% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 3,891 |
| Loan loss allowance to noncurrent loans | 898.3201% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.0798% | 2,972 |
| Noncurrent loans to loans | 0.0951% | 3,023 |
| Net loans and leases to total assets | 83.2400% | 317 |
| Net loans and leases to deposits | 116.9601% | 114 |
| Net loans and leases to core deposits | 126.1163% | 384 |
| Total domestic deposits to total assets | 71.1700% | 4,325 |
| Equity capital to assets | 8.0783% | 3,161 |
| Core capital (leverage) ratio | 8.7710% | 3,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1336% | 2,240 |
| Memoranda: | ||
| Average total assets | $2,607,789,000 | 434 |
| Average earning assets | $2,424,701,000 | 424 |
| Average equity | $216,519,000 | 496 |
| Average total loans | $2,173,696,667 | 365 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 3,757 |
| Cost of funding earning assets | 1.4408% | 954 |
| Net interest margin | 2.4170% | 4,372 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 2.3281% | 2,737 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.3861% | 4,106 |
| Return on assets (ROA) | 0.3861% | 4,057 |
| Pretax return on assets | 0.4754% | 4,022 |
| Return on Equity (ROE) | 4.5900% | 3,941 |
| Retained earnings to average equity (ytd only) | 3.3465% | 3,425 |
| Net charge-offs to loans | 0.0060% | 1,738 |
| Credit loss provision to net charge-offs | 1,328.1250% | 307 |
| Earnings coverage of net charge-offs (x) | 105.5938% | 762 |
| Efficiency ratio | 81.5698% | 733 |
| Assets per employee ($millions) | 6.2730% | 2,527 |
| Cash dividends to net income (ytd only)* | 27.0161% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8855% | 3,895 |
| Loan loss allowance to noncurrent loans | 636.9543% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 2,708 |
| Noncurrent loans to loans | 0.1390% | 2,801 |
| Net loans and leases to total assets | 82.5800% | 318 |
| Net loans and leases to deposits | 113.4778% | 131 |
| Net loans and leases to core deposits | 125.0604% | 348 |
| Total domestic deposits to total assets | 72.7800% | 4,331 |
| Equity capital to assets | 8.3460% | 3,007 |
| Core capital (leverage) ratio | 9.0995% | 3,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7277% | 2,077 |
| Memoranda: | ||
| Average total assets | $2,569,429,000 | 451 |
| Average earning assets | $2,392,588,500 | 444 |
| Average equity | $216,347,500 | 507 |
| Average total loans | $2,133,611,500 | 382 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3718% | 3,413 |
| Cost of funding earning assets | 0.6470% | 723 |
| Net interest margin | 2.7248% | 4,024 |
| Noninterest income to average assets | 0.4700% | 2,269 |
| Noninterest expense to average assets | 2.3602% | 2,542 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.4733% | 4,126 |
| Return on assets (ROA) | 0.4936% | 4,058 |
| Pretax return on assets | 0.5746% | 4,072 |
| Return on Equity (ROE) | 5.4400% | 3,942 |
| Retained earnings to average equity (ytd only) | 4.0762% | 3,369 |
| Net charge-offs to loans | -0.0002% | 3,275 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 78.5187% | 819 |
| Assets per employee ($millions) | 6.0960% | 2,686 |
| Cash dividends to net income (ytd only)* | 25.0913% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8879% | 3,819 |
| Loan loss allowance to noncurrent loans | 704.6293% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 2,804 |
| Noncurrent loans to loans | 0.1260% | 2,884 |
| Net loans and leases to total assets | 82.0100% | 405 |
| Net loans and leases to deposits | 111.7682% | 135 |
| Net loans and leases to core deposits | 123.7717% | 305 |
| Total domestic deposits to total assets | 73.3800% | 4,376 |
| Equity capital to assets | 8.4953% | 2,705 |
| Core capital (leverage) ratio | 9.2411% | 3,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,385,161,400 | 470 |
| Average earning assets | $2,220,793,400 | 460 |
| Average equity | $216,352,800 | 493 |
| Average total loans | $1,913,570,800 | 393 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 3,347 |
| Cost of funding earning assets | 0.5311% | 635 |
| Net interest margin | 2.7038% | 3,916 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.3453% | 2,494 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 0.4905% | 4,097 |
| Return on assets (ROA) | 0.5182% | 3,981 |
| Pretax return on assets | 0.6010% | 3,992 |
| Return on Equity (ROE) | 5.6200% | 3,867 |
| Retained earnings to average equity (ytd only) | 4.2423% | 3,363 |
| Net charge-offs to loans | -0.0074% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.0332% | 909 |
| Assets per employee ($millions) | 6.1821% | 2,590 |
| Cash dividends to net income (ytd only)* | 24.4622% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 3,924 |
| Loan loss allowance to noncurrent loans | 594.1489% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 2,795 |
| Noncurrent loans to loans | 0.1476% | 2,872 |
| Net loans and leases to total assets | 78.7600% | 635 |
| Net loans and leases to deposits | 107.8303% | 155 |
| Net loans and leases to core deposits | 114.6680% | 351 |
| Total domestic deposits to total assets | 73.0400% | 4,479 |
| Equity capital to assets | 8.3651% | 2,630 |
| Core capital (leverage) ratio | 9.4457% | 3,124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,344,419,500 | 478 |
| Average earning assets | $2,183,969,750 | 469 |
| Average equity | $216,323,000 | 495 |
| Average total loans | $1,864,822,500 | 396 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1182% | 3,260 |
| Cost of funding earning assets | 0.3889% | 992 |
| Net interest margin | 2.7292% | 3,643 |
| Noninterest income to average assets | 0.6081% | 1,705 |
| Noninterest expense to average assets | 2.4088% | 2,201 |
| Loan and lease loss provision to assets | 0.1196% | 835 |
| Net operating income to assets | 0.5463% | 3,777 |
| Return on assets (ROA) | 0.5463% | 3,730 |
| Pretax return on assets | 0.6225% | 3,769 |
| Return on Equity (ROE) | 5.7190% | 3,648 |
| Retained earnings to average equity (ytd only) | 4.2629% | 2,989 |
| Net charge-offs to loans | -0.0133% | 3,705 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4487% | 1,227 |
| Assets per employee ($millions) | 5.6316% | 3,105 |
| Cash dividends to net income (ytd only)* | 25.4595% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8992% | 3,951 |
| Loan loss allowance to noncurrent loans | 462.8648% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.1583% | 2,599 |
| Noncurrent loans to loans | 0.1943% | 2,735 |
| Net loans and leases to total assets | 80.7450% | 354 |
| Net loans and leases to deposits | 106.7419% | 124 |
| Net loans and leases to core deposits | 112.9822% | 297 |
| Total domestic deposits to total assets | 75.6451% | 4,476 |
| Equity capital to assets | 8.9004% | 2,448 |
| Core capital (leverage) ratio | 10.1554% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,270,698,333 | 491 |
| Average earning assets | $2,115,544,333 | 488 |
| Average equity | $216,892,667 | 496 |
| Average total loans | $1,806,899,667 | 399 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0016% | 3,254 |
| Cost of funding earning assets | 0.3590% | 1,140 |
| Net interest margin | 2.6426% | 3,553 |
| Noninterest income to average assets | 0.7234% | 1,236 |
| Noninterest expense to average assets | 2.3879% | 2,206 |
| Loan and lease loss provision to assets | 0.0733% | 1,129 |
| Net operating income to assets | 0.6492% | 3,233 |
| Return on assets (ROA) | 0.6492% | 3,216 |
| Pretax return on assets | 0.7263% | 3,317 |
| Return on Equity (ROE) | 6.5593% | 3,178 |
| Retained earnings to average equity (ytd only) | 5.3266% | 2,469 |
| Net charge-offs to loans | -0.0018% | 3,096 |
| Credit loss provision to net charge-offs | -5,625.0000% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9154% | 1,643 |
| Assets per employee ($millions) | 5.3844% | 3,409 |
| Cash dividends to net income (ytd only)* | 18.7932% | 2,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 4,013 |
| Loan loss allowance to noncurrent loans | 389.2060% | 1,774 |
| Noncurrent assets plus other real estate owned to assets | 0.1866% | 2,510 |
| Noncurrent loans to loans | 0.2341% | 2,654 |
| Net loans and leases to total assets | 78.9779% | 296 |
| Net loans and leases to deposits | 97.9618% | 230 |
| Net loans and leases to core deposits | 103.4867% | 414 |
| Total domestic deposits to total assets | 80.6212% | 4,235 |
| Equity capital to assets | 9.6866% | 2,147 |
| Core capital (leverage) ratio | 10.4928% | 1,868 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,226,218,500 | 503 |
| Average earning assets | $2,075,823,000 | 502 |
| Average equity | $220,329,500 | 504 |
| Average total loans | $1,749,052,000 | 411 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9240% | 4,012 |
| Cost of funding earning assets | 0.4643% | 1,100 |
| Net interest margin | 2.4597% | 4,244 |
| Noninterest income to average assets | 0.7302% | 1,665 |
| Noninterest expense to average assets | 2.3105% | 2,765 |
| Loan and lease loss provision to assets | -0.0067% | 4,153 |
| Net operating income to assets | 0.6170% | 3,835 |
| Return on assets (ROA) | 0.6214% | 3,873 |
| Pretax return on assets | 0.7483% | 3,841 |
| Return on Equity (ROE) | 6.1093% | 3,757 |
| Retained earnings to average equity (ytd only) | 4.2034% | 3,135 |
| Net charge-offs to loans | 0.0260% | 1,727 |
| Credit loss provision to net charge-offs | -175.9174% | 3,482 |
| Earnings coverage of net charge-offs (x) | 37.0046% | 1,478 |
| Efficiency ratio | 75.8343% | 1,122 |
| Assets per employee ($millions) | 5.4096% | 3,345 |
| Cash dividends to net income (ytd only)* | 31.1963% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 4,015 |
| Loan loss allowance to noncurrent loans | 694.3197% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1024% | 3,220 |
| Noncurrent loans to loans | 0.1323% | 3,273 |
| Net loans and leases to total assets | 76.7086% | 462 |
| Net loans and leases to deposits | 94.9366% | 350 |
| Net loans and leases to core deposits | 99.3396% | 566 |
| Total domestic deposits to total assets | 80.7997% | 4,125 |
| Equity capital to assets | 10.1090% | 2,548 |
| Core capital (leverage) ratio | 10.4021% | 1,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,191,296,400 | 482 |
| Average earning assets | $2,063,826,400 | 477 |
| Average equity | $222,890,400 | 493 |
| Average total loans | $1,677,476,600 | 417 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9062% | 4,162 |
| Cost of funding earning assets | 0.4875% | 1,118 |
| Net interest margin | 2.4187% | 4,379 |
| Noninterest income to average assets | 0.7988% | 1,530 |
| Noninterest expense to average assets | 2.3256% | 2,672 |
| Loan and lease loss provision to assets | -0.0468% | 4,446 |
| Net operating income to assets | 0.6593% | 3,873 |
| Return on assets (ROA) | 0.6652% | 3,909 |
| Pretax return on assets | 0.8077% | 3,879 |
| Return on Equity (ROE) | 6.5293% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.5997% | 3,370 |
| Net charge-offs to loans | 0.0058% | 2,108 |
| Credit loss provision to net charge-offs | -1,050.6849% | 3,866 |
| Earnings coverage of net charge-offs (x) | 169.1918% | 622 |
| Efficiency ratio | 75.5212% | 1,073 |
| Assets per employee ($millions) | 5.4313% | 3,271 |
| Cash dividends to net income (ytd only)* | 29.5532% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,962 |
| Loan loss allowance to noncurrent loans | 753.4330% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0976% | 3,451 |
| Noncurrent loans to loans | 0.1280% | 3,466 |
| Net loans and leases to total assets | 75.5102% | 582 |
| Net loans and leases to deposits | 94.6853% | 394 |
| Net loans and leases to core deposits | 99.4363% | 610 |
| Total domestic deposits to total assets | 79.7485% | 4,264 |
| Equity capital to assets | 10.2349% | 2,673 |
| Core capital (leverage) ratio | 10.5046% | 2,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,184,641,250 | 490 |
| Average earning assets | $2,059,939,000 | 479 |
| Average equity | $222,560,750 | 495 |
| Average total loans | $1,667,570,750 | 426 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8828% | 4,245 |
| Cost of funding earning assets | 0.5074% | 1,155 |
| Net interest margin | 2.3754% | 4,444 |
| Noninterest income to average assets | 0.7567% | 1,654 |
| Noninterest expense to average assets | 2.3127% | 2,730 |
| Loan and lease loss provision to assets | -0.0703% | 4,566 |
| Net operating income to assets | 0.6224% | 3,935 |
| Return on assets (ROA) | 0.6225% | 3,992 |
| Pretax return on assets | 0.7583% | 3,953 |
| Return on Equity (ROE) | 6.1202% | 3,877 |
| Retained earnings to average equity (ytd only) | 3.7722% | 3,592 |
| Net charge-offs to loans | -0.0174% | 3,926 |
| Credit loss provision to net charge-offs | 528.9655% | 660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0770% | 987 |
| Assets per employee ($millions) | 5.3976% | 3,245 |
| Cash dividends to net income (ytd only)* | 38.3652% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 3,932 |
| Loan loss allowance to noncurrent loans | 644.6767% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 3,342 |
| Noncurrent loans to loans | 0.1503% | 3,449 |
| Net loans and leases to total assets | 76.8257% | 516 |
| Net loans and leases to deposits | 97.4849% | 335 |
| Net loans and leases to core deposits | 102.7245% | 574 |
| Total domestic deposits to total assets | 78.8078% | 4,362 |
| Equity capital to assets | 10.2080% | 2,658 |
| Core capital (leverage) ratio | 10.3345% | 2,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,181,441,333 | 486 |
| Average earning assets | $2,060,572,667 | 474 |
| Average equity | $221,888,333 | 493 |
| Average total loans | $1,665,759,000 | 429 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8818% | 4,282 |
| Cost of funding earning assets | 0.5256% | 1,236 |
| Net interest margin | 2.3562% | 4,464 |
| Noninterest income to average assets | 0.8223% | 1,533 |
| Noninterest expense to average assets | 2.3210% | 2,717 |
| Loan and lease loss provision to assets | -0.2404% | 4,835 |
| Net operating income to assets | 0.7922% | 3,449 |
| Return on assets (ROA) | 0.7925% | 3,518 |
| Pretax return on assets | 0.9730% | 3,449 |
| Return on Equity (ROE) | 7.8049% | 3,385 |
| Retained earnings to average equity (ytd only) | 6.5354% | 2,715 |
| Net charge-offs to loans | -0.0029% | 3,218 |
| Credit loss provision to net charge-offs | 10,941.6667% | 52 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0180% | 1,137 |
| Assets per employee ($millions) | 5.4180% | 3,198 |
| Cash dividends to net income (ytd only)* | 16.2662% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0545% | 3,630 |
| Loan loss allowance to noncurrent loans | 599.2042% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1585% | 3,369 |
| Noncurrent loans to loans | 0.1760% | 3,478 |
| Net loans and leases to total assets | 75.1642% | 701 |
| Net loans and leases to deposits | 95.4466% | 427 |
| Net loans and leases to core deposits | 101.0351% | 670 |
| Total domestic deposits to total assets | 78.7500% | 4,358 |
| Equity capital to assets | 10.1165% | 2,595 |
| Core capital (leverage) ratio | 10.3561% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,184,546,500 | 483 |
| Average earning assets | $2,068,458,000 | 471 |
| Average equity | $221,808,500 | 485 |
| Average total loans | $1,654,896,000 | 431 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1183% | 4,547 |
| Cost of funding earning assets | 0.8323% | 1,083 |
| Net interest margin | 2.2861% | 4,727 |
| Noninterest income to average assets | 1.6140% | 477 |
| Noninterest expense to average assets | 2.2875% | 3,439 |
| Loan and lease loss provision to assets | 0.1602% | 2,371 |
| Net operating income to assets | 1.0431% | 2,130 |
| Return on assets (ROA) | 1.1254% | 1,942 |
| Pretax return on assets | 1.4488% | 1,516 |
| Return on Equity (ROE) | 10.8729% | 1,678 |
| Retained earnings to average equity (ytd only) | 8.6115% | 873 |
| Net charge-offs to loans | 0.0388% | 2,277 |
| Credit loss provision to net charge-offs | 506.8079% | 1,239 |
| Earnings coverage of net charge-offs (x) | 47.6036% | 1,244 |
| Efficiency ratio | 60.3208% | 3,407 |
| Assets per employee ($millions) | 5.5321% | 2,814 |
| Cash dividends to net income (ytd only)* | 20.7988% | 3,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5777% | 4,728 |
| Loan loss allowance to noncurrent loans | 311.8485% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 3,483 |
| Noncurrent loans to loans | 0.1852% | 3,550 |
| Net loans and leases to total assets | 75.1120% | 888 |
| Net loans and leases to deposits | 98.3485% | 448 |
| Net loans and leases to core deposits | 104.4889% | 705 |
| Total domestic deposits to total assets | 76.3734% | 4,482 |
| Equity capital to assets | 10.1898% | 2,937 |
| Core capital (leverage) ratio | 10.1915% | 2,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,091,166,400 | 460 |
| Average earning assets | $1,992,510,600 | 448 |
| Average equity | $216,455,600 | 477 |
| Average total loans | $1,703,620,800 | 397 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1829% | 4,610 |
| Cost of funding earning assets | 0.9057% | 1,054 |
| Net interest margin | 2.2772% | 4,786 |
| Noninterest income to average assets | 1.5988% | 462 |
| Noninterest expense to average assets | 2.2879% | 3,453 |
| Loan and lease loss provision to assets | 0.2166% | 1,857 |
| Net operating income to assets | 1.0149% | 2,277 |
| Return on assets (ROA) | 1.1277% | 2,012 |
| Pretax return on assets | 1.4078% | 1,706 |
| Return on Equity (ROE) | 10.8492% | 1,732 |
| Retained earnings to average equity (ytd only) | 9.0490% | 964 |
| Net charge-offs to loans | 0.0402% | 2,053 |
| Credit loss provision to net charge-offs | 649.2248% | 1,119 |
| Earnings coverage of net charge-offs (x) | 44.4632% | 1,280 |
| Efficiency ratio | 60.6655% | 3,280 |
| Assets per employee ($millions) | 5.4755% | 2,734 |
| Cash dividends to net income (ytd only)* | 16.5931% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5621% | 4,770 |
| Loan loss allowance to noncurrent loans | 242.0545% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.1897% | 3,481 |
| Noncurrent loans to loans | 0.2322% | 3,473 |
| Net loans and leases to total assets | 81.2178% | 503 |
| Net loans and leases to deposits | 106.8492% | 304 |
| Net loans and leases to core deposits | 114.7413% | 530 |
| Total domestic deposits to total assets | 76.0117% | 4,421 |
| Equity capital to assets | 10.3855% | 2,884 |
| Core capital (leverage) ratio | 10.2706% | 2,462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,062,131,750 | 457 |
| Average earning assets | $1,967,285,500 | 441 |
| Average equity | $214,339,500 | 473 |
| Average total loans | $1,712,629,750 | 391 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2435% | 4,689 |
| Cost of funding earning assets | 1.0082% | 968 |
| Net interest margin | 2.2353% | 4,863 |
| Noninterest income to average assets | 1.6413% | 389 |
| Noninterest expense to average assets | 2.2959% | 3,525 |
| Loan and lease loss provision to assets | 0.2550% | 1,662 |
| Net operating income to assets | 0.9801% | 2,399 |
| Return on assets (ROA) | 1.1442% | 1,954 |
| Pretax return on assets | 1.4288% | 1,647 |
| Return on Equity (ROE) | 11.0049% | 1,628 |
| Retained earnings to average equity (ytd only) | 10.5003% | 692 |
| Net charge-offs to loans | 0.0541% | 1,714 |
| Credit loss provision to net charge-offs | 563.9913% | 1,149 |
| Earnings coverage of net charge-offs (x) | 32.7072% | 1,369 |
| Efficiency ratio | 60.8272% | 3,302 |
| Assets per employee ($millions) | 5.4589% | 2,680 |
| Cash dividends to net income (ytd only)* | 4.5852% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5099% | 4,823 |
| Loan loss allowance to noncurrent loans | 246.2456% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1720% | 3,669 |
| Noncurrent loans to loans | 0.2071% | 3,641 |
| Net loans and leases to total assets | 82.6109% | 357 |
| Net loans and leases to deposits | 109.4876% | 240 |
| Net loans and leases to core deposits | 118.6151% | 467 |
| Total domestic deposits to total assets | 75.4522% | 4,480 |
| Equity capital to assets | 10.1735% | 3,043 |
| Core capital (leverage) ratio | 10.2072% | 2,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,039,519,333 | 455 |
| Average earning assets | $1,946,403,000 | 440 |
| Average equity | $212,050,333 | 473 |
| Average total loans | $1,703,608,333 | 390 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 4,760 |
| Cost of funding earning assets | 1.0764% | 1,113 |
| Net interest margin | 2.2906% | 4,918 |
| Noninterest income to average assets | 1.1708% | 639 |
| Noninterest expense to average assets | 2.3495% | 3,653 |
| Loan and lease loss provision to assets | 0.3222% | 961 |
| Net operating income to assets | 0.5527% | 3,729 |
| Return on assets (ROA) | 0.8910% | 2,654 |
| Pretax return on assets | 1.1080% | 2,493 |
| Return on Equity (ROE) | 8.4710% | 2,324 |
| Retained earnings to average equity (ytd only) | 8.4710% | 1,106 |
| Net charge-offs to loans | 0.0118% | 2,161 |
| Credit loss provision to net charge-offs | 3,265.3061% | 241 |
| Earnings coverage of net charge-offs (x) | 102.1020% | 569 |
| Efficiency ratio | 69.9916% | 2,350 |
| Assets per employee ($millions) | 5.1876% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5041% | 4,871 |
| Loan loss allowance to noncurrent loans | 215.1976% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.1927% | 3,724 |
| Noncurrent loans to loans | 0.2343% | 3,650 |
| Net loans and leases to total assets | 81.8315% | 451 |
| Net loans and leases to deposits | 113.8316% | 135 |
| Net loans and leases to core deposits | 123.2172% | 381 |
| Total domestic deposits to total assets | 71.8882% | 4,776 |
| Equity capital to assets | 10.3126% | 3,512 |
| Core capital (leverage) ratio | 10.7829% | 2,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,986,610,500 | 451 |
| Average earning assets | $1,895,895,500 | 434 |
| Average equity | $208,947,500 | 476 |
| Average total loans | $1,664,729,500 | 388 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 4,727 |
| Cost of funding earning assets | 1.3233% | 724 |
| Net interest margin | 2.3243% | 5,030 |
| Noninterest income to average assets | 0.6293% | 2,097 |
| Noninterest expense to average assets | 2.4490% | 3,576 |
| Loan and lease loss provision to assets | -0.0065% | 4,925 |
| Net operating income to assets | 0.3340% | 4,704 |
| Return on assets (ROA) | 0.3369% | 4,728 |
| Pretax return on assets | 0.4037% | 4,703 |
| Return on Equity (ROE) | 3.2209% | 4,625 |
| Retained earnings to average equity (ytd only) | 2.6802% | 3,699 |
| Net charge-offs to loans | -0.0067% | 4,383 |
| Credit loss provision to net charge-offs | 113.6364% | 2,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1466% | 531 |
| Assets per employee ($millions) | 4.7983% | 2,838 |
| Cash dividends to net income (ytd only)* | 16.7866% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4223% | 4,971 |
| Loan loss allowance to noncurrent loans | 176.1096% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 3,645 |
| Noncurrent loans to loans | 0.2398% | 3,588 |
| Net loans and leases to total assets | 85.0888% | 233 |
| Net loans and leases to deposits | 104.6245% | 353 |
| Net loans and leases to core deposits | 115.3942% | 623 |
| Total domestic deposits to total assets | 81.3278% | 3,698 |
| Equity capital to assets | 10.7363% | 3,225 |
| Core capital (leverage) ratio | 10.5073% | 2,945 |
| Tier 1 risk-based capital ratio | 16.1296% | 2,361 |
| Total risk-based capital ratio | 16.6819% | 2,535 |
| Memoranda: | ||
| Average total assets | $1,937,853,600 | 436 |
| Average earning assets | $1,845,558,800 | 419 |
| Average equity | $202,707,600 | 470 |
| Average total loans | $1,652,754,800 | 378 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6843% | 4,798 |
| Cost of funding earning assets | 1.3479% | 680 |
| Net interest margin | 2.3364% | 5,119 |
| Noninterest income to average assets | 0.6087% | 2,163 |
| Noninterest expense to average assets | 2.4867% | 3,477 |
| Loan and lease loss provision to assets | -0.0086% | 5,051 |
| Net operating income to assets | 0.2976% | 4,844 |
| Return on assets (ROA) | 0.3015% | 4,862 |
| Pretax return on assets | 0.3584% | 4,850 |
| Return on Equity (ROE) | 2.9014% | 4,780 |
| Retained earnings to average equity (ytd only) | 2.4381% | 4,126 |
| Net charge-offs to loans | -0.0096% | 4,362 |
| Credit loss provision to net charge-offs | 105.0420% | 2,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8104% | 406 |
| Assets per employee ($millions) | 4.9839% | 2,579 |
| Cash dividends to net income (ytd only)* | 15.9680% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4186% | 5,049 |
| Loan loss allowance to noncurrent loans | 177.7607% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2039% | 3,753 |
| Noncurrent loans to loans | 0.2355% | 3,698 |
| Net loans and leases to total assets | 86.2123% | 178 |
| Net loans and leases to deposits | 102.3144% | 493 |
| Net loans and leases to core deposits | 115.2173% | 689 |
| Total domestic deposits to total assets | 84.2622% | 2,728 |
| Equity capital to assets | 10.6673% | 3,405 |
| Core capital (leverage) ratio | 10.5825% | 3,022 |
| Tier 1 risk-based capital ratio | 15.8553% | 2,494 |
| Total risk-based capital ratio | 16.4037% | 2,710 |
| Memoranda: | ||
| Average total assets | $1,941,291,250 | 441 |
| Average earning assets | $1,847,218,750 | 424 |
| Average equity | $201,740,000 | 474 |
| Average total loans | $1,654,908,500 | 384 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7162% | 4,813 |
| Cost of funding earning assets | 1.3382% | 664 |
| Net interest margin | 2.3780% | 5,170 |
| Noninterest income to average assets | 0.6271% | 2,033 |
| Noninterest expense to average assets | 2.5628% | 3,294 |
| Loan and lease loss provision to assets | -0.0128% | 5,125 |
| Net operating income to assets | 0.2863% | 4,891 |
| Return on assets (ROA) | 0.2880% | 4,900 |
| Pretax return on assets | 0.3396% | 4,901 |
| Return on Equity (ROE) | 2.7954% | 4,828 |
| Retained earnings to average equity (ytd only) | 2.7954% | 3,812 |
| Net charge-offs to loans | 0.0165% | 2,561 |
| Credit loss provision to net charge-offs | -91.9118% | 3,886 |
| Earnings coverage of net charge-offs (x) | 23.2721% | 1,657 |
| Efficiency ratio | 88.7515% | 403 |
| Assets per employee ($millions) | 4.9213% | 2,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4036% | 5,104 |
| Loan loss allowance to noncurrent loans | 161.2274% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2206% | 3,692 |
| Noncurrent loans to loans | 0.2503% | 3,639 |
| Net loans and leases to total assets | 86.1392% | 203 |
| Net loans and leases to deposits | 102.1518% | 527 |
| Net loans and leases to core deposits | 115.4160% | 707 |
| Total domestic deposits to total assets | 84.3248% | 2,751 |
| Equity capital to assets | 10.6009% | 3,439 |
| Core capital (leverage) ratio | 10.1832% | 3,405 |
| Tier 1 risk-based capital ratio | 15.9539% | 2,433 |
| Total risk-based capital ratio | 16.4878% | 2,675 |
| Memoranda: | ||
| Average total assets | $1,948,790,000 | 439 |
| Average earning assets | $1,852,532,000 | 421 |
| Average equity | $200,759,000 | 469 |
| Average total loans | $1,652,814,330 | 388 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7086% | 4,834 |
| Cost of funding earning assets | 1.3011% | 658 |
| Net interest margin | 2.4075% | 5,224 |
| Noninterest income to average assets | 0.7260% | 1,526 |
| Noninterest expense to average assets | 2.5756% | 3,279 |
| Loan and lease loss provision to assets | -0.0255% | 5,230 |
| Net operating income to assets | 0.3816% | 4,763 |
| Return on assets (ROA) | 0.3846% | 4,772 |
| Pretax return on assets | 0.4647% | 4,754 |
| Return on Equity (ROE) | 3.7872% | 4,617 |
| Retained earnings to average equity (ytd only) | 3.7872% | 3,408 |
| Net charge-offs to loans | 0.0194% | 2,071 |
| Credit loss provision to net charge-offs | -156.2500% | 3,599 |
| Earnings coverage of net charge-offs (x) | 26.7250% | 1,397 |
| Efficiency ratio | 85.5355% | 611 |
| Assets per employee ($millions) | 4.8450% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4135% | 5,160 |
| Loan loss allowance to noncurrent loans | 147.7576% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2324% | 3,691 |
| Noncurrent loans to loans | 0.2799% | 3,560 |
| Net loans and leases to total assets | 82.6838% | 506 |
| Net loans and leases to deposits | 100.5796% | 591 |
| Net loans and leases to core deposits | 114.1403% | 736 |
| Total domestic deposits to total assets | 82.2073% | 3,674 |
| Equity capital to assets | 10.2230% | 3,598 |
| Core capital (leverage) ratio | 10.2611% | 3,319 |
| Tier 1 risk-based capital ratio | 15.8705% | 2,501 |
| Total risk-based capital ratio | 16.4093% | 2,724 |
| Memoranda: | ||
| Average total assets | $1,963,540,500 | 436 |
| Average earning assets | $1,863,657,500 | 421 |
| Average equity | $199,407,500 | 473 |
| Average total loans | $1,649,241,500 | 390 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5902% | 4,807 |
| Cost of funding earning assets | 1.0748% | 544 |
| Net interest margin | 2.5154% | 5,210 |
| Noninterest income to average assets | 0.6095% | 2,244 |
| Noninterest expense to average assets | 2.7334% | 2,919 |
| Loan and lease loss provision to assets | 0.0112% | 3,910 |
| Net operating income to assets | 0.2171% | 5,090 |
| Return on assets (ROA) | 0.2171% | 5,086 |
| Pretax return on assets | 0.2578% | 5,077 |
| Return on Equity (ROE) | 2.1863% | 5,020 |
| Retained earnings to average equity (ytd only) | 1.3281% | 4,601 |
| Net charge-offs to loans | -0.0047% | 4,338 |
| Credit loss provision to net charge-offs | -283.7838% | 4,530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0176% | 311 |
| Assets per employee ($millions) | 4.6345% | 2,981 |
| Cash dividends to net income (ytd only)* | 39.2542% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4179% | 5,199 |
| Loan loss allowance to noncurrent loans | 141.5870% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 3,593 |
| Noncurrent loans to loans | 0.2951% | 3,506 |
| Net loans and leases to total assets | 84.5916% | 360 |
| Net loans and leases to deposits | 102.8397% | 543 |
| Net loans and leases to core deposits | 116.7503% | 662 |
| Total domestic deposits to total assets | 82.2558% | 3,570 |
| Equity capital to assets | 10.0522% | 3,626 |
| Core capital (leverage) ratio | 10.0112% | 3,560 |
| Tier 1 risk-based capital ratio | 15.1927% | 2,739 |
| Total risk-based capital ratio | 15.7311% | 2,984 |
| Memoranda: | ||
| Average total assets | $1,877,734,400 | 440 |
| Average earning assets | $1,786,347,400 | 418 |
| Average equity | $186,429,800 | 476 |
| Average total loans | $1,588,759,200 | 387 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5429% | 4,890 |
| Cost of funding earning assets | 0.9972% | 605 |
| Net interest margin | 2.5457% | 5,258 |
| Noninterest income to average assets | 0.4570% | 3,124 |
| Noninterest expense to average assets | 2.5361% | 3,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.2859% | 5,106 |
| Return on assets (ROA) | 0.2859% | 5,099 |
| Pretax return on assets | 0.3444% | 5,093 |
| Return on Equity (ROE) | 2.8890% | 5,017 |
| Retained earnings to average equity (ytd only) | 2.4537% | 4,416 |
| Net charge-offs to loans | -0.0091% | 4,367 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0113% | 403 |
| Assets per employee ($millions) | 4.4986% | 3,131 |
| Cash dividends to net income (ytd only)* | 15.0678% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4131% | 5,273 |
| Loan loss allowance to noncurrent loans | 156.6282% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 3,788 |
| Noncurrent loans to loans | 0.2637% | 3,740 |
| Net loans and leases to total assets | 85.5169% | 313 |
| Net loans and leases to deposits | 110.7310% | 268 |
| Net loans and leases to core deposits | 127.1206% | 394 |
| Total domestic deposits to total assets | 77.2294% | 4,608 |
| Equity capital to assets | 9.7731% | 3,844 |
| Core capital (leverage) ratio | 10.1124% | 3,505 |
| Tier 1 risk-based capital ratio | 15.0992% | 2,840 |
| Total risk-based capital ratio | 15.6333% | 3,091 |
| Memoranda: | ||
| Average total assets | $1,857,070,250 | 438 |
| Average earning assets | $1,767,967,000 | 420 |
| Average equity | $183,771,750 | 480 |
| Average total loans | $1,569,627,750 | 386 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4955% | 4,930 |
| Cost of funding earning assets | 0.9320% | 631 |
| Net interest margin | 2.5634% | 5,294 |
| Noninterest income to average assets | 0.4230% | 3,335 |
| Noninterest expense to average assets | 2.5200% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.2845% | 5,138 |
| Return on assets (ROA) | 0.2845% | 5,132 |
| Pretax return on assets | 0.3434% | 5,112 |
| Return on Equity (ROE) | 2.8630% | 5,044 |
| Retained earnings to average equity (ytd only) | 2.2063% | 4,397 |
| Net charge-offs to loans | -0.0263% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9587% | 468 |
| Assets per employee ($millions) | 5.1264% | 2,268 |
| Cash dividends to net income (ytd only)* | 22.9358% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4242% | 5,337 |
| Loan loss allowance to noncurrent loans | 160.0791% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 3,856 |
| Noncurrent loans to loans | 0.2650% | 3,760 |
| Net loans and leases to total assets | 84.6492% | 390 |
| Net loans and leases to deposits | 109.0508% | 310 |
| Net loans and leases to core deposits | 124.7831% | 440 |
| Total domestic deposits to total assets | 77.6236% | 4,649 |
| Equity capital to assets | 9.7491% | 3,873 |
| Core capital (leverage) ratio | 10.2726% | 3,264 |
| Tier 1 risk-based capital ratio | 15.3693% | 2,699 |
| Total risk-based capital ratio | 15.9245% | 2,953 |
| Memoranda: | ||
| Average total assets | $1,838,795,000 | 440 |
| Average earning assets | $1,750,559,000 | 423 |
| Average equity | $182,745,330 | 479 |
| Average total loans | $1,545,578,330 | 389 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4856% | 4,903 |
| Cost of funding earning assets | 0.9047% | 581 |
| Net interest margin | 2.5809% | 5,335 |
| Noninterest income to average assets | 0.3899% | 3,542 |
| Noninterest expense to average assets | 2.4917% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2930% | 5,106 |
| Return on assets (ROA) | 0.2930% | 5,108 |
| Pretax return on assets | 0.3529% | 5,097 |
| Return on Equity (ROE) | 2.9190% | 5,032 |
| Retained earnings to average equity (ytd only) | 1.5942% | 4,462 |
| Net charge-offs to loans | -0.0562% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4942% | 559 |
| Assets per employee ($millions) | 4.6780% | 2,888 |
| Cash dividends to net income (ytd only)* | 45.3858% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4506% | 5,387 |
| Loan loss allowance to noncurrent loans | 144.5331% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.2632% | 3,815 |
| Noncurrent loans to loans | 0.3118% | 3,655 |
| Net loans and leases to total assets | 83.3903% | 498 |
| Net loans and leases to deposits | 107.2665% | 332 |
| Net loans and leases to core deposits | 117.8742% | 655 |
| Total domestic deposits to total assets | 77.7413% | 4,760 |
| Equity capital to assets | 10.1359% | 3,466 |
| Core capital (leverage) ratio | 10.5919% | 2,857 |
| Tier 1 risk-based capital ratio | 15.9501% | 2,500 |
| Total risk-based capital ratio | 16.5311% | 2,685 |
| Memoranda: | ||
| Average total assets | $1,804,690,500 | 454 |
| Average earning assets | $1,716,431,000 | 438 |
| Average equity | $181,160,500 | 486 |
| Average total loans | $1,507,797,000 | 398 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 4,974 |
| Cost of funding earning assets | 0.6655% | 1,214 |
| Net interest margin | 2.7080% | 5,270 |
| Noninterest income to average assets | 0.5244% | 2,853 |
| Noninterest expense to average assets | 2.4945% | 3,802 |
| Loan and lease loss provision to assets | -0.0726% | 5,432 |
| Net operating income to assets | 0.5346% | 4,279 |
| Return on assets (ROA) | 0.5409% | 4,291 |
| Pretax return on assets | 0.6763% | 4,567 |
| Return on Equity (ROE) | 5.2598% | 4,064 |
| Retained earnings to average equity (ytd only) | 3.9919% | 2,800 |
| Net charge-offs to loans | 0.1738% | 1,425 |
| Credit loss provision to net charge-offs | -50.2656% | 4,648 |
| Earnings coverage of net charge-offs (x) | 4.1263% | 3,514 |
| Efficiency ratio | 80.4296% | 1,066 |
| Assets per employee ($millions) | 4.5881% | 3,048 |
| Cash dividends to net income (ytd only)* | 24.1056% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 5,451 |
| Loan loss allowance to noncurrent loans | 123.6613% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 3,561 |
| Noncurrent loans to loans | 0.3629% | 3,468 |
| Net loans and leases to total assets | 82.9599% | 570 |
| Net loans and leases to deposits | 105.3037% | 430 |
| Net loans and leases to core deposits | 112.7550% | 854 |
| Total domestic deposits to total assets | 78.7815% | 4,582 |
| Equity capital to assets | 9.9899% | 3,721 |
| Core capital (leverage) ratio | 10.1816% | 3,219 |
| Tier 1 risk-based capital ratio | 15.6150% | 2,579 |
| Total risk-based capital ratio | 16.1955% | 2,805 |
| Memoranda: | ||
| Average total assets | $1,694,827,200 | 468 |
| Average earning assets | $1,605,895,600 | 450 |
| Average equity | $174,303,200 | 481 |
| Average total loans | $1,408,201,400 | 407 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3536% | 5,034 |
| Cost of funding earning assets | 0.6293% | 1,358 |
| Net interest margin | 2.7243% | 5,302 |
| Noninterest income to average assets | 0.5624% | 2,656 |
| Noninterest expense to average assets | 2.5120% | 3,692 |
| Loan and lease loss provision to assets | -0.0981% | 5,582 |
| Net operating income to assets | 0.5020% | 4,725 |
| Return on assets (ROA) | 0.5095% | 4,736 |
| Pretax return on assets | 0.7383% | 4,517 |
| Return on Equity (ROE) | 4.9161% | 4,558 |
| Retained earnings to average equity (ytd only) | 3.6644% | 3,747 |
| Net charge-offs to loans | 0.1868% | 1,124 |
| Credit loss provision to net charge-offs | -63.2391% | 4,464 |
| Earnings coverage of net charge-offs (x) | 4.0591% | 3,271 |
| Efficiency ratio | 79.6716% | 1,148 |
| Assets per employee ($millions) | 4.5391% | 3,072 |
| Cash dividends to net income (ytd only)* | 25.4617% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4866% | 5,485 |
| Loan loss allowance to noncurrent loans | 105.6840% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4114% | 3,383 |
| Noncurrent loans to loans | 0.4605% | 3,324 |
| Net loans and leases to total assets | 82.6923% | 579 |
| Net loans and leases to deposits | 108.6388% | 318 |
| Net loans and leases to core deposits | 112.0793% | 923 |
| Total domestic deposits to total assets | 76.1167% | 5,005 |
| Equity capital to assets | 9.8945% | 4,036 |
| Core capital (leverage) ratio | 10.5611% | 2,921 |
| Tier 1 risk-based capital ratio | 15.4873% | 2,707 |
| Total risk-based capital ratio | 16.1142% | 2,907 |
| Memoranda: | ||
| Average total assets | $1,672,340,250 | 474 |
| Average earning assets | $1,583,212,000 | 461 |
| Average equity | $173,304,500 | 486 |
| Average total loans | $1,388,421,500 | 415 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3400% | 5,044 |
| Cost of funding earning assets | 0.6054% | 1,409 |
| Net interest margin | 2.7346% | 5,329 |
| Noninterest income to average assets | 0.5195% | 2,901 |
| Noninterest expense to average assets | 2.5443% | 3,603 |
| Loan and lease loss provision to assets | -0.1502% | 5,685 |
| Net operating income to assets | 0.4949% | 4,719 |
| Return on assets (ROA) | 0.4949% | 4,755 |
| Pretax return on assets | 0.7148% | 4,514 |
| Return on Equity (ROE) | 4.6993% | 4,603 |
| Retained earnings to average equity (ytd only) | 3.4532% | 3,653 |
| Net charge-offs to loans | 0.0430% | 2,334 |
| Credit loss provision to net charge-offs | -421.2329% | 4,632 |
| Earnings coverage of net charge-offs (x) | 15.8390% | 2,006 |
| Efficiency ratio | 81.5354% | 1,051 |
| Assets per employee ($millions) | 4.3409% | 3,362 |
| Cash dividends to net income (ytd only)* | 26.5170% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6261% | 5,339 |
| Loan loss allowance to noncurrent loans | 110.5547% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.4826% | 3,161 |
| Noncurrent loans to loans | 0.5663% | 3,037 |
| Net loans and leases to total assets | 83.6395% | 482 |
| Net loans and leases to deposits | 105.5291% | 412 |
| Net loans and leases to core deposits | 108.8459% | 1,061 |
| Total domestic deposits to total assets | 79.2573% | 4,571 |
| Equity capital to assets | 10.3779% | 3,479 |
| Core capital (leverage) ratio | 10.8056% | 2,592 |
| Tier 1 risk-based capital ratio | 16.0034% | 2,507 |
| Total risk-based capital ratio | 16.8086% | 2,613 |
| Memoranda: | ||
| Average total assets | $1,638,191,670 | 484 |
| Average earning assets | $1,551,255,330 | 469 |
| Average equity | $172,537,330 | 489 |
| Average total loans | $1,359,632,330 | 422 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3083% | 5,089 |
| Cost of funding earning assets | 0.5929% | 1,427 |
| Net interest margin | 2.7154% | 5,371 |
| Noninterest income to average assets | 0.5113% | 2,905 |
| Noninterest expense to average assets | 2.6514% | 3,302 |
| Loan and lease loss provision to assets | -0.2223% | 5,795 |
| Net operating income to assets | 0.4559% | 4,755 |
| Return on assets (ROA) | 0.4559% | 4,776 |
| Pretax return on assets | 0.6533% | 4,587 |
| Return on Equity (ROE) | 4.2965% | 4,670 |
| Retained earnings to average equity (ytd only) | 2.8674% | 3,986 |
| Net charge-offs to loans | 0.1559% | 1,034 |
| Credit loss provision to net charge-offs | -173.0769% | 4,026 |
| Earnings coverage of net charge-offs (x) | 3.3558% | 2,494 |
| Efficiency ratio | 85.7131% | 820 |
| Assets per employee ($millions) | 4.2479% | 3,590 |
| Cash dividends to net income (ytd only)* | 33.2611% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6703% | 5,365 |
| Loan loss allowance to noncurrent loans | 145.7646% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 3,656 |
| Noncurrent loans to loans | 0.4598% | 3,451 |
| Net loans and leases to total assets | 82.4270% | 522 |
| Net loans and leases to deposits | 102.4387% | 477 |
| Net loans and leases to core deposits | 105.8538% | 1,113 |
| Total domestic deposits to total assets | 80.4647% | 4,531 |
| Equity capital to assets | 10.7318% | 2,925 |
| Core capital (leverage) ratio | 10.8417% | 2,554 |
| Tier 1 risk-based capital ratio | 16.6344% | 2,310 |
| Total risk-based capital ratio | 17.4896% | 2,402 |
| Memoranda: | ||
| Average total assets | $1,619,493,000 | 489 |
| Average earning assets | $1,533,462,500 | 475 |
| Average equity | $171,860,500 | 486 |
| Average total loans | $1,334,306,000 | 428 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3222% | 5,131 |
| Cost of funding earning assets | 0.6202% | 1,208 |
| Net interest margin | 2.7020% | 5,416 |
| Noninterest income to average assets | 0.6310% | 2,503 |
| Noninterest expense to average assets | 2.3992% | 4,301 |
| Loan and lease loss provision to assets | -0.0247% | 5,529 |
| Net operating income to assets | 0.5595% | 4,390 |
| Return on assets (ROA) | 0.5595% | 4,496 |
| Pretax return on assets | 0.8027% | 4,183 |
| Return on Equity (ROE) | 5.4118% | 4,231 |
| Retained earnings to average equity (ytd only) | 3.8676% | 3,169 |
| Net charge-offs to loans | 0.0103% | 3,920 |
| Credit loss provision to net charge-offs | -283.6879% | 5,060 |
| Earnings coverage of net charge-offs (x) | 89.3688% | 659 |
| Efficiency ratio | 75.2167% | 2,108 |
| Assets per employee ($millions) | 4.3443% | 3,372 |
| Cash dividends to net income (ytd only)* | 28.5336% | 3,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7747% | 5,169 |
| Loan loss allowance to noncurrent loans | 156.2179% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 3,567 |
| Noncurrent loans to loans | 0.4959% | 3,382 |
| Net loans and leases to total assets | 81.1636% | 720 |
| Net loans and leases to deposits | 101.5712% | 564 |
| Net loans and leases to core deposits | 105.0332% | 1,202 |
| Total domestic deposits to total assets | 79.9081% | 4,594 |
| Equity capital to assets | 10.5044% | 3,152 |
| Core capital (leverage) ratio | 10.6220% | 2,751 |
| Tier 1 risk-based capital ratio | 16.4523% | 2,368 |
| Total risk-based capital ratio | 17.4412% | 2,414 |
| Memoranda: | ||
| Average total assets | $1,619,715,200 | 475 |
| Average earning assets | $1,526,323,200 | 458 |
| Average equity | $167,468,600 | 483 |
| Average total loans | $1,364,782,200 | 399 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 5,141 |
| Cost of funding earning assets | 0.6235% | 1,183 |
| Net interest margin | 2.7173% | 5,476 |
| Noninterest income to average assets | 0.6480% | 2,428 |
| Noninterest expense to average assets | 2.4359% | 4,175 |
| Loan and lease loss provision to assets | -0.0082% | 5,644 |
| Net operating income to assets | 0.5448% | 4,512 |
| Return on assets (ROA) | 0.5448% | 4,623 |
| Pretax return on assets | 0.7791% | 4,376 |
| Return on Equity (ROE) | 5.2903% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.6865% | 3,681 |
| Net charge-offs to loans | 0.0058% | 3,704 |
| Credit loss provision to net charge-offs | -166.6667% | 4,826 |
| Earnings coverage of net charge-offs (x) | 155.7461% | 452 |
| Efficiency ratio | 75.6650% | 2,027 |
| Assets per employee ($millions) | 4.3844% | 3,276 |
| Cash dividends to net income (ytd only)* | 30.3150% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 5,241 |
| Loan loss allowance to noncurrent loans | 168.4665% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 3,762 |
| Noncurrent loans to loans | 0.4643% | 3,622 |
| Net loans and leases to total assets | 84.1482% | 397 |
| Net loans and leases to deposits | 106.5122% | 364 |
| Net loans and leases to core deposits | 110.3377% | 891 |
| Total domestic deposits to total assets | 79.0034% | 4,721 |
| Equity capital to assets | 10.3983% | 3,679 |
| Core capital (leverage) ratio | 10.6477% | 2,828 |
| Tier 1 risk-based capital ratio | 15.9592% | 2,641 |
| Total risk-based capital ratio | 16.9648% | 2,682 |
| Memoranda: | ||
| Average total assets | $1,616,275,750 | 477 |
| Average earning assets | $1,521,990,500 | 461 |
| Average equity | $166,439,000 | 488 |
| Average total loans | $1,371,943,500 | 399 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3586% | 5,167 |
| Cost of funding earning assets | 0.6237% | 1,170 |
| Net interest margin | 2.7349% | 5,523 |
| Noninterest income to average assets | 0.6390% | 2,426 |
| Noninterest expense to average assets | 2.4709% | 4,115 |
| Loan and lease loss provision to assets | -0.0124% | 5,771 |
| Net operating income to assets | 0.5282% | 4,567 |
| Return on assets (ROA) | 0.5282% | 4,686 |
| Pretax return on assets | 0.7538% | 4,442 |
| Return on Equity (ROE) | 5.1458% | 4,448 |
| Retained earnings to average equity (ytd only) | 3.4575% | 3,693 |
| Net charge-offs to loans | 0.0029% | 3,602 |
| Credit loss provision to net charge-offs | -500.0000% | 4,925 |
| Earnings coverage of net charge-offs (x) | 299.5000% | 228 |
| Efficiency ratio | 76.6222% | 1,990 |
| Assets per employee ($millions) | 4.3748% | 3,262 |
| Cash dividends to net income (ytd only)* | 32.8099% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 5,320 |
| Loan loss allowance to noncurrent loans | 157.7160% | 2,761 |
| Noncurrent assets plus other real estate owned to assets | 0.4231% | 3,813 |
| Noncurrent loans to loans | 0.4959% | 3,591 |
| Net loans and leases to total assets | 84.6457% | 373 |
| Net loans and leases to deposits | 107.1321% | 328 |
| Net loans and leases to core deposits | 111.2319% | 864 |
| Total domestic deposits to total assets | 79.0106% | 4,785 |
| Equity capital to assets | 10.3172% | 3,835 |
| Core capital (leverage) ratio | 10.5013% | 2,975 |
| Tier 1 risk-based capital ratio | 15.7995% | 2,742 |
| Total risk-based capital ratio | 16.8091% | 2,776 |
| Memoranda: | ||
| Average total assets | $1,615,756,670 | 477 |
| Average earning assets | $1,520,340,330 | 461 |
| Average equity | $165,843,000 | 492 |
| Average total loans | $1,371,887,670 | 401 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3735% | 5,181 |
| Cost of funding earning assets | 0.6249% | 1,185 |
| Net interest margin | 2.7486% | 5,543 |
| Noninterest income to average assets | 0.6892% | 2,092 |
| Noninterest expense to average assets | 2.6297% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4600% | 4,782 |
| Return on assets (ROA) | 0.4600% | 4,866 |
| Pretax return on assets | 0.6508% | 4,676 |
| Return on Equity (ROE) | 4.4934% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.4934% | 3,242 |
| Net charge-offs to loans | -0.0245% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8748% | 1,623 |
| Assets per employee ($millions) | 4.2852% | 3,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8038% | 5,345 |
| Loan loss allowance to noncurrent loans | 143.1590% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 3,479 |
| Noncurrent loans to loans | 0.5615% | 3,504 |
| Net loans and leases to total assets | 83.6186% | 406 |
| Net loans and leases to deposits | 104.1257% | 407 |
| Net loans and leases to core deposits | 108.8412% | 924 |
| Total domestic deposits to total assets | 80.3054% | 4,681 |
| Equity capital to assets | 10.2440% | 3,799 |
| Core capital (leverage) ratio | 10.5205% | 2,936 |
| Tier 1 risk-based capital ratio | 15.8884% | 2,743 |
| Total risk-based capital ratio | 16.9292% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,616,481,000 | 477 |
| Average earning assets | $1,523,996,500 | 459 |
| Average equity | $165,489,000 | 489 |
| Average total loans | $1,369,224,000 | 400 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3415% | 5,271 |
| Cost of funding earning assets | 0.6902% | 865 |
| Net interest margin | 2.6514% | 5,704 |
| Noninterest income to average assets | 0.6601% | 2,405 |
| Noninterest expense to average assets | 2.5426% | 4,096 |
| Loan and lease loss provision to assets | -0.1411% | 5,910 |
| Net operating income to assets | 0.5395% | 4,542 |
| Return on assets (ROA) | 0.5525% | 4,582 |
| Pretax return on assets | 0.7768% | 4,276 |
| Return on Equity (ROE) | 5.4387% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.4387% | 2,113 |
| Net charge-offs to loans | 0.0727% | 2,790 |
| Credit loss provision to net charge-offs | -231.4700% | 5,298 |
| Earnings coverage of net charge-offs (x) | 10.1253% | 2,732 |
| Efficiency ratio | 80.1578% | 1,653 |
| Assets per employee ($millions) | 4.1257% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7933% | 5,427 |
| Loan loss allowance to noncurrent loans | 126.8725% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5366% | 3,495 |
| Noncurrent loans to loans | 0.6253% | 3,312 |
| Net loans and leases to total assets | 84.4383% | 355 |
| Net loans and leases to deposits | 104.7662% | 406 |
| Net loans and leases to core deposits | 109.1494% | 911 |
| Total domestic deposits to total assets | 80.5969% | 4,587 |
| Equity capital to assets | 10.2312% | 3,705 |
| Core capital (leverage) ratio | 10.3628% | 3,092 |
| Tier 1 risk-based capital ratio | 15.7591% | 2,798 |
| Total risk-based capital ratio | 16.7933% | 2,845 |
| Memoranda: | ||
| Average total assets | $1,584,361,800 | 448 |
| Average earning assets | $1,493,836,200 | 435 |
| Average equity | $160,939,000 | 484 |
| Average total loans | $1,329,546,600 | 382 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3277% | 5,363 |
| Cost of funding earning assets | 0.7054% | 813 |
| Net interest margin | 2.6223% | 5,814 |
| Noninterest income to average assets | 0.6300% | 2,585 |
| Noninterest expense to average assets | 2.4787% | 4,260 |
| Loan and lease loss provision to assets | -0.0876% | 5,977 |
| Net operating income to assets | 0.4956% | 4,805 |
| Return on assets (ROA) | 0.5128% | 4,832 |
| Pretax return on assets | 0.7336% | 4,557 |
| Return on Equity (ROE) | 5.0576% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.0576% | 2,870 |
| Net charge-offs to loans | 0.0697% | 2,566 |
| Credit loss provision to net charge-offs | -150.3628% | 5,114 |
| Earnings coverage of net charge-offs (x) | 10.6706% | 2,575 |
| Efficiency ratio | 79.6390% | 1,716 |
| Assets per employee ($millions) | 4.1814% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 5,190 |
| Loan loss allowance to noncurrent loans | 129.6646% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 3,294 |
| Noncurrent loans to loans | 0.6977% | 3,234 |
| Net loans and leases to total assets | 84.1722% | 372 |
| Net loans and leases to deposits | 104.5968% | 422 |
| Net loans and leases to core deposits | 109.4633% | 905 |
| Total domestic deposits to total assets | 80.4731% | 4,613 |
| Equity capital to assets | 10.0414% | 4,102 |
| Core capital (leverage) ratio | 10.4559% | 3,092 |
| Tier 1 risk-based capital ratio | 15.5930% | 3,001 |
| Total risk-based capital ratio | 16.7743% | 2,961 |
| Memoranda: | ||
| Average total assets | $1,577,167,000 | 453 |
| Average earning assets | $1,485,719,750 | 442 |
| Average equity | $159,912,750 | 491 |
| Average total loans | $1,318,683,000 | 389 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2982% | 5,440 |
| Cost of funding earning assets | 0.7207% | 758 |
| Net interest margin | 2.5775% | 5,902 |
| Noninterest income to average assets | 0.8426% | 1,627 |
| Noninterest expense to average assets | 2.5744% | 3,990 |
| Loan and lease loss provision to assets | 0.0082% | 3,946 |
| Net operating income to assets | 0.4847% | 4,832 |
| Return on assets (ROA) | 0.4847% | 4,937 |
| Pretax return on assets | 0.6872% | 4,697 |
| Return on Equity (ROE) | 4.7648% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.7648% | 3,014 |
| Net charge-offs to loans | 0.0997% | 2,016 |
| Credit loss provision to net charge-offs | 9.8613% | 3,098 |
| Earnings coverage of net charge-offs (x) | 8.3914% | 2,567 |
| Efficiency ratio | 78.4317% | 2,001 |
| Assets per employee ($millions) | 4.1097% | 3,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0114% | 4,812 |
| Loan loss allowance to noncurrent loans | 142.7967% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.6732% | 3,379 |
| Noncurrent loans to loans | 0.7082% | 3,365 |
| Net loans and leases to total assets | 83.7896% | 388 |
| Net loans and leases to deposits | 102.5210% | 523 |
| Net loans and leases to core deposits | 107.1822% | 1,014 |
| Total domestic deposits to total assets | 81.7292% | 4,375 |
| Equity capital to assets | 10.2171% | 3,791 |
| Core capital (leverage) ratio | 10.3227% | 3,188 |
| Tier 1 risk-based capital ratio | 15.7147% | 2,990 |
| Total risk-based capital ratio | 16.9654% | 2,944 |
| Memoranda: | ||
| Average total assets | $1,566,280,000 | 459 |
| Average earning assets | $1,474,933,670 | 448 |
| Average equity | $159,334,000 | 493 |
| Average total loans | $1,302,444,670 | 392 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3130% | 5,415 |
| Cost of funding earning assets | 0.7282% | 745 |
| Net interest margin | 2.5849% | 5,937 |
| Noninterest income to average assets | 0.7073% | 2,135 |
| Noninterest expense to average assets | 2.5856% | 3,990 |
| Loan and lease loss provision to assets | 0.0164% | 3,512 |
| Net operating income to assets | 0.3950% | 5,083 |
| Return on assets (ROA) | 0.3950% | 5,196 |
| Pretax return on assets | 0.5396% | 5,072 |
| Return on Equity (ROE) | 3.8919% | 5,024 |
| Retained earnings to average equity (ytd only) | 3.8919% | 3,666 |
| Net charge-offs to loans | 0.0625% | 2,123 |
| Credit loss provision to net charge-offs | 31.8408% | 2,259 |
| Earnings coverage of net charge-offs (x) | 10.7910% | 1,909 |
| Efficiency ratio | 81.9910% | 1,617 |
| Assets per employee ($millions) | 3.9118% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 4,557 |
| Loan loss allowance to noncurrent loans | 144.9278% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6972% | 3,397 |
| Noncurrent loans to loans | 0.7535% | 3,375 |
| Net loans and leases to total assets | 80.7994% | 590 |
| Net loans and leases to deposits | 98.8452% | 631 |
| Net loans and leases to core deposits | 103.5711% | 1,094 |
| Total domestic deposits to total assets | 81.7434% | 4,591 |
| Equity capital to assets | 10.1709% | 3,919 |
| Core capital (leverage) ratio | 10.4239% | 3,069 |
| Tier 1 risk-based capital ratio | 16.4955% | 2,683 |
| Total risk-based capital ratio | 17.7478% | 2,625 |
| Memoranda: | ||
| Average total assets | $1,560,348,500 | 462 |
| Average earning assets | $1,469,463,000 | 449 |
| Average equity | $158,380,500 | 496 |
| Average total loans | $1,285,752,000 | 391 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5138% | 5,286 |
| Cost of funding earning assets | 0.7565% | 815 |
| Net interest margin | 2.7573% | 5,866 |
| Noninterest income to average assets | 0.6056% | 2,824 |
| Noninterest expense to average assets | 2.6068% | 4,193 |
| Loan and lease loss provision to assets | 0.0992% | 2,502 |
| Net operating income to assets | 0.4026% | 5,213 |
| Return on assets (ROA) | 0.4208% | 5,223 |
| Pretax return on assets | 0.5171% | 5,205 |
| Return on Equity (ROE) | 4.1501% | 5,051 |
| Retained earnings to average equity (ytd only) | 4.1501% | 3,243 |
| Net charge-offs to loans | 0.1804% | 2,225 |
| Credit loss provision to net charge-offs | 65.9939% | 3,162 |
| Earnings coverage of net charge-offs (x) | 3.9513% | 3,777 |
| Efficiency ratio | 81.1319% | 1,756 |
| Assets per employee ($millions) | 3.8899% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 4,586 |
| Loan loss allowance to noncurrent loans | 132.0993% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7719% | 3,284 |
| Noncurrent loans to loans | 0.8250% | 3,250 |
| Net loans and leases to total assets | 82.2099% | 498 |
| Net loans and leases to deposits | 100.6808% | 586 |
| Net loans and leases to core deposits | 105.1481% | 1,068 |
| Total domestic deposits to total assets | 81.6540% | 4,547 |
| Equity capital to assets | 10.1297% | 3,947 |
| Core capital (leverage) ratio | 10.1863% | 3,326 |
| Tier 1 risk-based capital ratio | 16.7899% | 2,601 |
| Total risk-based capital ratio | 18.0430% | 2,549 |
| Memoranda: | ||
| Average total assets | $1,516,475,800 | 457 |
| Average earning assets | $1,427,212,800 | 441 |
| Average equity | $153,755,600 | 498 |
| Average total loans | $1,263,602,600 | 373 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5464% | 5,283 |
| Cost of funding earning assets | 0.7550% | 874 |
| Net interest margin | 2.7915% | 5,881 |
| Noninterest income to average assets | 0.6442% | 2,608 |
| Noninterest expense to average assets | 2.6391% | 4,058 |
| Loan and lease loss provision to assets | 0.1331% | 1,880 |
| Net operating income to assets | 0.4111% | 5,206 |
| Return on assets (ROA) | 0.4118% | 5,281 |
| Pretax return on assets | 0.5004% | 5,324 |
| Return on Equity (ROE) | 4.0604% | 5,148 |
| Retained earnings to average equity (ytd only) | 4.0604% | 3,756 |
| Net charge-offs to loans | 0.1905% | 1,942 |
| Credit loss provision to net charge-offs | 83.7883% | 2,526 |
| Earnings coverage of net charge-offs (x) | 3.9827% | 3,554 |
| Efficiency ratio | 80.3516% | 1,864 |
| Assets per employee ($millions) | 3.8472% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1509% | 4,495 |
| Loan loss allowance to noncurrent loans | 137.2012% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.7579% | 3,542 |
| Noncurrent loans to loans | 0.8388% | 3,477 |
| Net loans and leases to total assets | 79.9721% | 716 |
| Net loans and leases to deposits | 99.7550% | 627 |
| Net loans and leases to core deposits | 105.5784% | 978 |
| Total domestic deposits to total assets | 80.1685% | 5,061 |
| Equity capital to assets | 9.9076% | 4,288 |
| Core capital (leverage) ratio | 10.0111% | 3,667 |
| Tier 1 risk-based capital ratio | 16.6953% | 2,728 |
| Total risk-based capital ratio | 17.9491% | 2,682 |
| Memoranda: | ||
| Average total assets | $1,506,602,000 | 456 |
| Average earning assets | $1,418,141,250 | 441 |
| Average equity | $152,790,750 | 497 |
| Average total loans | $1,256,189,000 | 374 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 5,242 |
| Cost of funding earning assets | 0.7587% | 889 |
| Net interest margin | 2.8093% | 5,886 |
| Noninterest income to average assets | 0.7970% | 1,851 |
| Noninterest expense to average assets | 2.6809% | 3,938 |
| Loan and lease loss provision to assets | 0.1802% | 1,363 |
| Net operating income to assets | 0.4580% | 4,981 |
| Return on assets (ROA) | 0.4590% | 5,048 |
| Pretax return on assets | 0.5804% | 5,017 |
| Return on Equity (ROE) | 4.4892% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.4892% | 3,318 |
| Net charge-offs to loans | 0.2138% | 1,745 |
| Credit loss provision to net charge-offs | 100.0747% | 1,982 |
| Earnings coverage of net charge-offs (x) | 4.2166% | 3,155 |
| Efficiency ratio | 77.6244% | 2,349 |
| Assets per employee ($millions) | 3.7568% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 4,748 |
| Loan loss allowance to noncurrent loans | 131.7211% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.8046% | 3,552 |
| Noncurrent loans to loans | 0.8599% | 3,551 |
| Net loans and leases to total assets | 85.5163% | 213 |
| Net loans and leases to deposits | 105.2598% | 327 |
| Net loans and leases to core deposits | 111.3896% | 632 |
| Total domestic deposits to total assets | 81.2431% | 4,903 |
| Equity capital to assets | 10.1523% | 3,898 |
| Core capital (leverage) ratio | 10.2456% | 3,273 |
| Tier 1 risk-based capital ratio | 16.6048% | 2,779 |
| Total risk-based capital ratio | 17.8591% | 2,746 |
| Memoranda: | ||
| Average total assets | $1,486,867,670 | 464 |
| Average earning assets | $1,399,050,670 | 446 |
| Average equity | $152,009,670 | 495 |
| Average total loans | $1,252,656,670 | 370 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5643% | 5,262 |
| Cost of funding earning assets | 0.7618% | 918 |
| Net interest margin | 2.8025% | 5,928 |
| Noninterest income to average assets | 0.7394% | 1,993 |
| Noninterest expense to average assets | 2.6828% | 3,992 |
| Loan and lease loss provision to assets | 0.1903% | 1,245 |
| Net operating income to assets | 0.4090% | 5,083 |
| Return on assets (ROA) | 0.4110% | 5,140 |
| Pretax return on assets | 0.5070% | 5,151 |
| Return on Equity (ROE) | 4.0061% | 5,031 |
| Retained earnings to average equity (ytd only) | 4.0061% | 3,710 |
| Net charge-offs to loans | 0.2290% | 1,405 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 3.6514% | 2,649 |
| Efficiency ratio | 79.1227% | 2,318 |
| Assets per employee ($millions) | 3.7544% | 4,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 4,607 |
| Loan loss allowance to noncurrent loans | 121.8253% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.9303% | 3,403 |
| Noncurrent loans to loans | 0.9906% | 3,439 |
| Net loans and leases to total assets | 82.2919% | 338 |
| Net loans and leases to deposits | 101.4182% | 384 |
| Net loans and leases to core deposits | 105.0841% | 792 |
| Total domestic deposits to total assets | 81.1412% | 5,194 |
| Equity capital to assets | 10.2608% | 3,525 |
| Core capital (leverage) ratio | 10.3809% | 3,077 |
| Tier 1 risk-based capital ratio | 17.3488% | 2,534 |
| Total risk-based capital ratio | 18.6042% | 2,500 |
| Memoranda: | ||
| Average total assets | $1,471,425,000 | 468 |
| Average earning assets | $1,385,175,500 | 453 |
| Average equity | $150,971,000 | 496 |
| Average total loans | $1,222,587,000 | 375 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7313% | 5,033 |
| Cost of funding earning assets | 0.8550% | 937 |
| Net interest margin | 2.8762% | 5,836 |
| Noninterest income to average assets | 0.9163% | 1,625 |
| Noninterest expense to average assets | 2.9041% | 3,361 |
| Loan and lease loss provision to assets | 0.1111% | 2,952 |
| Net operating income to assets | 0.4434% | 4,985 |
| Return on assets (ROA) | 0.4782% | 4,970 |
| Pretax return on assets | 0.6469% | 4,716 |
| Return on Equity (ROE) | 4.6957% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.6957% | 2,814 |
| Net charge-offs to loans | 0.3316% | 2,018 |
| Credit loss provision to net charge-offs | 41.6125% | 4,008 |
| Earnings coverage of net charge-offs (x) | 2.6632% | 4,104 |
| Efficiency ratio | 80.0373% | 2,145 |
| Assets per employee ($millions) | 3.7243% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 4,516 |
| Loan loss allowance to noncurrent loans | 135.3541% | 2,885 |
| Noncurrent assets plus other real estate owned to assets | 0.8803% | 3,690 |
| Noncurrent loans to loans | 0.9057% | 3,718 |
| Net loans and leases to total assets | 81.8619% | 424 |
| Net loans and leases to deposits | 101.1421% | 432 |
| Net loans and leases to core deposits | 104.2930% | 887 |
| Total domestic deposits to total assets | 80.9375% | 5,201 |
| Equity capital to assets | 10.2596% | 3,436 |
| Core capital (leverage) ratio | 10.3854% | 3,040 |
| Tier 1 risk-based capital ratio | 17.3192% | 2,484 |
| Total risk-based capital ratio | 18.5748% | 2,457 |
| Memoranda: | ||
| Average total assets | $1,440,109,200 | 467 |
| Average earning assets | $1,351,280,400 | 456 |
| Average equity | $146,645,200 | 497 |
| Average total loans | $1,159,383,000 | 384 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 5,058 |
| Cost of funding earning assets | 0.8717% | 940 |
| Net interest margin | 2.8694% | 5,881 |
| Noninterest income to average assets | 0.9928% | 1,476 |
| Noninterest expense to average assets | 2.7989% | 3,669 |
| Loan and lease loss provision to assets | 0.1487% | 2,415 |
| Net operating income to assets | 0.5329% | 4,653 |
| Return on assets (ROA) | 0.5780% | 4,568 |
| Pretax return on assets | 0.7976% | 4,299 |
| Return on Equity (ROE) | 5.6875% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.6875% | 2,610 |
| Net charge-offs to loans | 0.3617% | 1,748 |
| Credit loss provision to net charge-offs | 51.4635% | 3,465 |
| Earnings coverage of net charge-offs (x) | 3.0576% | 3,819 |
| Efficiency ratio | 75.7131% | 2,769 |
| Assets per employee ($millions) | 3.6853% | 4,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 4,285 |
| Loan loss allowance to noncurrent loans | 123.3676% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 3,528 |
| Noncurrent loans to loans | 1.0707% | 3,656 |
| Net loans and leases to total assets | 79.6831% | 585 |
| Net loans and leases to deposits | 98.9482% | 519 |
| Net loans and leases to core deposits | 102.1706% | 985 |
| Total domestic deposits to total assets | 80.5301% | 5,351 |
| Equity capital to assets | 10.1085% | 3,758 |
| Core capital (leverage) ratio | 10.3451% | 3,175 |
| Tier 1 risk-based capital ratio | 17.3677% | 2,552 |
| Total risk-based capital ratio | 18.6244% | 2,520 |
| Memoranda: | ||
| Average total assets | $1,434,228,750 | 472 |
| Average earning assets | $1,344,465,250 | 457 |
| Average equity | $145,765,750 | 506 |
| Average total loans | $1,145,972,250 | 387 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7703% | 4,926 |
| Cost of funding earning assets | 0.8766% | 1,001 |
| Net interest margin | 2.8937% | 5,808 |
| Noninterest income to average assets | 1.0514% | 1,376 |
| Noninterest expense to average assets | 2.7741% | 3,767 |
| Loan and lease loss provision to assets | 0.2246% | 1,684 |
| Net operating income to assets | 0.5504% | 4,552 |
| Return on assets (ROA) | 0.6186% | 4,367 |
| Pretax return on assets | 0.8582% | 4,077 |
| Return on Equity (ROE) | 6.0749% | 4,125 |
| Retained earnings to average equity (ytd only) | 6.0749% | 2,386 |
| Net charge-offs to loans | 0.3678% | 1,734 |
| Credit loss provision to net charge-offs | 76.7018% | 2,695 |
| Earnings coverage of net charge-offs (x) | 3.3744% | 3,408 |
| Efficiency ratio | 73.4468% | 3,236 |
| Assets per employee ($millions) | 3.7726% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 3,886 |
| Loan loss allowance to noncurrent loans | 116.1081% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 1.1727% | 3,407 |
| Noncurrent loans to loans | 1.2333% | 3,491 |
| Net loans and leases to total assets | 79.2198% | 614 |
| Net loans and leases to deposits | 97.1992% | 593 |
| Net loans and leases to core deposits | 100.5209% | 1,039 |
| Total domestic deposits to total assets | 81.5025% | 5,215 |
| Equity capital to assets | 10.0916% | 3,803 |
| Core capital (leverage) ratio | 10.3453% | 3,050 |
| Tier 1 risk-based capital ratio | 17.4373% | 2,536 |
| Total risk-based capital ratio | 18.6933% | 2,506 |
| Memoranda: | ||
| Average total assets | $1,424,619,330 | 471 |
| Average earning assets | $1,334,629,000 | 459 |
| Average equity | $145,056,670 | 510 |
| Average total loans | $1,134,158,000 | 391 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 4,696 |
| Cost of funding earning assets | 0.8737% | 1,125 |
| Net interest margin | 2.9623% | 5,669 |
| Noninterest income to average assets | 0.8693% | 1,869 |
| Noninterest expense to average assets | 2.8211% | 3,627 |
| Loan and lease loss provision to assets | 0.3111% | 1,096 |
| Net operating income to assets | 0.3815% | 5,206 |
| Return on assets (ROA) | 0.4544% | 5,059 |
| Pretax return on assets | 0.6091% | 4,913 |
| Return on Equity (ROE) | 4.4430% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.4430% | 3,572 |
| Net charge-offs to loans | 0.4155% | 1,412 |
| Credit loss provision to net charge-offs | 94.5017% | 1,945 |
| Earnings coverage of net charge-offs (x) | 2.5000% | 3,014 |
| Efficiency ratio | 77.1225% | 2,734 |
| Assets per employee ($millions) | 3.8307% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5224% | 3,727 |
| Loan loss allowance to noncurrent loans | 108.9312% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 1.4014% | 3,172 |
| Noncurrent loans to loans | 1.3976% | 3,473 |
| Net loans and leases to total assets | 76.7784% | 739 |
| Net loans and leases to deposits | 94.0613% | 662 |
| Net loans and leases to core deposits | 97.3276% | 1,125 |
| Total domestic deposits to total assets | 81.6259% | 5,320 |
| Equity capital to assets | 10.1054% | 4,012 |
| Core capital (leverage) ratio | 10.2117% | 3,128 |
| Tier 1 risk-based capital ratio | 17.6258% | 2,509 |
| Total risk-based capital ratio | 18.8781% | 2,474 |
| Memoranda: | ||
| Average total assets | $1,414,468,000 | 477 |
| Average earning assets | $1,324,925,500 | 467 |
| Average equity | $144,677,000 | 520 |
| Average total loans | $1,120,590,500 | 397 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 5,287 |
| Cost of funding earning assets | 1.0408% | 1,163 |
| Net interest margin | 2.9630% | 6,114 |
| Noninterest income to average assets | 1.0976% | 1,284 |
| Noninterest expense to average assets | 2.7161% | 4,341 |
| Loan and lease loss provision to assets | 0.5155% | 1,137 |
| Net operating income to assets | 0.4686% | 4,806 |
| Return on assets (ROA) | 0.5143% | 4,890 |
| Pretax return on assets | 0.6867% | 4,708 |
| Return on Equity (ROE) | 4.9470% | 4,697 |
| Retained earnings to average equity (ytd only) | 4.9470% | 2,736 |
| Net charge-offs to loans | 0.6363% | 1,838 |
| Credit loss provision to net charge-offs | 105.3483% | 2,826 |
| Earnings coverage of net charge-offs (x) | 2.3323% | 4,247 |
| Efficiency ratio | 70.1218% | 3,792 |
| Assets per employee ($millions) | 3.8895% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 3,639 |
| Loan loss allowance to noncurrent loans | 97.4547% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.5922% | 3,000 |
| Noncurrent loans to loans | 1.5664% | 3,270 |
| Net loans and leases to total assets | 79.2922% | 535 |
| Net loans and leases to deposits | 94.1897% | 735 |
| Net loans and leases to core deposits | 97.3494% | 1,193 |
| Total domestic deposits to total assets | 84.1836% | 4,231 |
| Equity capital to assets | 10.3552% | 3,687 |
| Core capital (leverage) ratio | 10.4169% | 2,863 |
| Tier 1 risk-based capital ratio | 17.2903% | 2,528 |
| Total risk-based capital ratio | 18.5432% | 2,504 |
| Memoranda: | ||
| Average total assets | $1,364,046,000 | 490 |
| Average earning assets | $1,270,502,400 | 477 |
| Average equity | $141,802,000 | 513 |
| Average total loans | $1,049,088,000 | 409 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 5,412 |
| Cost of funding earning assets | 1.0762% | 1,162 |
| Net interest margin | 2.9611% | 6,250 |
| Noninterest income to average assets | 1.0968% | 1,248 |
| Noninterest expense to average assets | 2.6526% | 4,550 |
| Loan and lease loss provision to assets | 0.4393% | 1,437 |
| Net operating income to assets | 0.5728% | 4,508 |
| Return on assets (ROA) | 0.5901% | 4,706 |
| Pretax return on assets | 0.7832% | 4,552 |
| Return on Equity (ROE) | 5.6710% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.6710% | 2,913 |
| Net charge-offs to loans | 0.6221% | 1,767 |
| Credit loss provision to net charge-offs | 92.9329% | 3,210 |
| Earnings coverage of net charge-offs (x) | 2.5373% | 4,025 |
| Efficiency ratio | 68.5695% | 3,947 |
| Assets per employee ($millions) | 4.0188% | 3,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 3,909 |
| Loan loss allowance to noncurrent loans | 83.4757% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 1.9917% | 2,650 |
| Noncurrent loans to loans | 1.8093% | 3,065 |
| Net loans and leases to total assets | 78.3540% | 687 |
| Net loans and leases to deposits | 92.3066% | 940 |
| Net loans and leases to core deposits | 95.4818% | 1,454 |
| Total domestic deposits to total assets | 84.8846% | 3,798 |
| Equity capital to assets | 10.6412% | 3,682 |
| Core capital (leverage) ratio | 10.5594% | 2,851 |
| Tier 1 risk-based capital ratio | 17.0856% | 2,697 |
| Total risk-based capital ratio | 18.3387% | 2,645 |
| Memoranda: | ||
| Average total assets | $1,356,951,500 | 495 |
| Average earning assets | $1,262,628,000 | 480 |
| Average equity | $141,205,500 | 514 |
| Average total loans | $1,031,060,250 | 414 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0553% | 5,470 |
| Cost of funding earning assets | 1.1191% | 1,133 |
| Net interest margin | 2.9362% | 6,365 |
| Noninterest income to average assets | 0.9944% | 1,485 |
| Noninterest expense to average assets | 2.6620% | 4,565 |
| Loan and lease loss provision to assets | 0.2839% | 2,307 |
| Net operating income to assets | 0.5544% | 4,563 |
| Return on assets (ROA) | 0.5791% | 4,727 |
| Pretax return on assets | 0.8140% | 4,429 |
| Return on Equity (ROE) | 5.6077% | 4,523 |
| Retained earnings to average equity (ytd only) | 5.6077% | 2,926 |
| Net charge-offs to loans | 0.5415% | 1,971 |
| Credit loss provision to net charge-offs | 70.1204% | 3,559 |
| Earnings coverage of net charge-offs (x) | 2.6253% | 3,695 |
| Efficiency ratio | 71.1561% | 3,575 |
| Assets per employee ($millions) | 4.2301% | 3,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 3,816 |
| Loan loss allowance to noncurrent loans | 77.8538% | 3,877 |
| Noncurrent assets plus other real estate owned to assets | 2.1781% | 2,565 |
| Noncurrent loans to loans | 1.9809% | 2,965 |
| Net loans and leases to total assets | 75.4113% | 1,050 |
| Net loans and leases to deposits | 88.1667% | 1,354 |
| Net loans and leases to core deposits | 91.2035% | 1,846 |
| Total domestic deposits to total assets | 85.5326% | 3,587 |
| Equity capital to assets | 10.5496% | 3,623 |
| Core capital (leverage) ratio | 10.5278% | 2,773 |
| Tier 1 risk-based capital ratio | 17.4548% | 2,485 |
| Total risk-based capital ratio | 18.7055% | 2,452 |
| Memoranda: | ||
| Average total assets | $1,353,799,330 | 494 |
| Average earning assets | $1,259,055,670 | 484 |
| Average equity | $139,806,670 | 512 |
| Average total loans | $1,012,395,670 | 417 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 5,772 |
| Cost of funding earning assets | 1.1642% | 1,130 |
| Net interest margin | 2.8303% | 6,586 |
| Noninterest income to average assets | 0.9779% | 1,486 |
| Noninterest expense to average assets | 2.5581% | 4,966 |
| Loan and lease loss provision to assets | 0.3032% | 2,072 |
| Net operating income to assets | 0.5389% | 4,658 |
| Return on assets (ROA) | 0.5389% | 4,867 |
| Pretax return on assets | 0.7463% | 4,621 |
| Return on Equity (ROE) | 5.2753% | 4,654 |
| Retained earnings to average equity (ytd only) | 5.2753% | 3,389 |
| Net charge-offs to loans | 0.9519% | 1,088 |
| Credit loss provision to net charge-offs | 43.1208% | 3,393 |
| Earnings coverage of net charge-offs (x) | 1.4924% | 3,580 |
| Efficiency ratio | 70.5969% | 3,701 |
| Assets per employee ($millions) | 4.4862% | 3,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 4,046 |
| Loan loss allowance to noncurrent loans | 67.2694% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.4750% | 2,388 |
| Noncurrent loans to loans | 2.2671% | 2,841 |
| Net loans and leases to total assets | 73.6513% | 1,119 |
| Net loans and leases to deposits | 86.2340% | 1,392 |
| Net loans and leases to core deposits | 89.1217% | 1,939 |
| Total domestic deposits to total assets | 85.4087% | 3,831 |
| Equity capital to assets | 10.3312% | 3,698 |
| Core capital (leverage) ratio | 10.3450% | 2,935 |
| Tier 1 risk-based capital ratio | 17.4601% | 2,494 |
| Total risk-based capital ratio | 18.7069% | 2,461 |
| Memoranda: | ||
| Average total assets | $1,356,005,500 | 490 |
| Average earning assets | $1,259,943,500 | 484 |
| Average equity | $138,532,500 | 516 |
| Average total loans | $1,001,829,000 | 417 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 5,303 |
| Cost of funding earning assets | 1.3169% | 1,402 |
| Net interest margin | 3.1141% | 6,315 |
| Noninterest income to average assets | 0.6090% | 3,113 |
| Noninterest expense to average assets | 2.2933% | 6,053 |
| Loan and lease loss provision to assets | 0.5598% | 1,863 |
| Net operating income to assets | 0.4423% | 4,684 |
| Return on assets (ROA) | 0.4423% | 4,890 |
| Pretax return on assets | 0.6578% | 4,486 |
| Return on Equity (ROE) | 4.4079% | 4,672 |
| Retained earnings to average equity (ytd only) | 4.4079% | 3,036 |
| Net charge-offs to loans | 0.6327% | 2,563 |
| Credit loss provision to net charge-offs | 115.2428% | 2,832 |
| Earnings coverage of net charge-offs (x) | 2.5066% | 3,958 |
| Efficiency ratio | 65.0225% | 4,946 |
| Assets per employee ($millions) | 4.8286% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,184 |
| Loan loss allowance to noncurrent loans | 49.0044% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 2.3810% | 2,545 |
| Noncurrent loans to loans | 2.0568% | 3,134 |
| Net loans and leases to total assets | 72.2419% | 1,602 |
| Net loans and leases to deposits | 84.3161% | 1,880 |
| Net loans and leases to core deposits | 87.1076% | 2,489 |
| Total domestic deposits to total assets | 85.6799% | 3,492 |
| Equity capital to assets | 10.1022% | 4,030 |
| Core capital (leverage) ratio | 10.1182% | 3,203 |
| Tier 1 risk-based capital ratio | 17.1514% | 2,532 |
| Total risk-based capital ratio | 18.4014% | 2,496 |
| Memoranda: | ||
| Average total assets | $1,339,694,200 | 489 |
| Average earning assets | $1,248,415,400 | 476 |
| Average equity | $134,418,800 | 515 |
| Average total loans | $1,028,527,000 | 414 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3909% | 5,636 |
| Cost of funding earning assets | 1.3983% | 1,241 |
| Net interest margin | 2.9925% | 6,598 |
| Noninterest income to average assets | 0.5374% | 3,600 |
| Noninterest expense to average assets | 2.2383% | 6,192 |
| Loan and lease loss provision to assets | 0.4430% | 2,260 |
| Net operating income to assets | 0.4340% | 4,840 |
| Return on assets (ROA) | 0.4340% | 5,036 |
| Pretax return on assets | 0.6486% | 4,649 |
| Return on Equity (ROE) | 4.3331% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.3331% | 3,646 |
| Net charge-offs to loans | 0.4702% | 2,854 |
| Credit loss provision to net charge-offs | 121.1864% | 2,673 |
| Earnings coverage of net charge-offs (x) | 2.9861% | 3,643 |
| Efficiency ratio | 66.9158% | 4,541 |
| Assets per employee ($millions) | 4.7541% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9475% | 6,460 |
| Loan loss allowance to noncurrent loans | 40.8309% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 2.5100% | 2,573 |
| Noncurrent loans to loans | 2.3205% | 2,984 |
| Net loans and leases to total assets | 76.4107% | 925 |
| Net loans and leases to deposits | 89.4868% | 1,271 |
| Net loans and leases to core deposits | 92.4425% | 1,943 |
| Total domestic deposits to total assets | 85.3877% | 3,564 |
| Equity capital to assets | 10.2389% | 4,033 |
| Core capital (leverage) ratio | 10.1572% | 3,234 |
| Tier 1 risk-based capital ratio | 16.6219% | 2,799 |
| Total risk-based capital ratio | 17.8232% | 2,786 |
| Memoranda: | ||
| Average total assets | $1,334,200,500 | 497 |
| Average earning assets | $1,244,977,250 | 482 |
| Average equity | $133,633,750 | 526 |
| Average total loans | $1,037,230,750 | 410 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3758% | 5,774 |
| Cost of funding earning assets | 1.4381% | 1,244 |
| Net interest margin | 2.9377% | 6,722 |
| Noninterest income to average assets | 0.4809% | 4,017 |
| Noninterest expense to average assets | 2.2648% | 6,213 |
| Loan and lease loss provision to assets | 0.5258% | 1,861 |
| Net operating income to assets | 0.2899% | 5,409 |
| Return on assets (ROA) | 0.2899% | 5,547 |
| Pretax return on assets | 0.4308% | 5,292 |
| Return on Equity (ROE) | 2.9164% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.9164% | 4,427 |
| Net charge-offs to loans | 0.5488% | 2,459 |
| Credit loss provision to net charge-offs | 122.9203% | 2,480 |
| Earnings coverage of net charge-offs (x) | 2.2362% | 3,714 |
| Efficiency ratio | 70.0117% | 4,119 |
| Assets per employee ($millions) | 4.8728% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 6,578 |
| Loan loss allowance to noncurrent loans | 40.8761% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 2.5554% | 2,612 |
| Noncurrent loans to loans | 2.2730% | 3,135 |
| Net loans and leases to total assets | 76.7240% | 960 |
| Net loans and leases to deposits | 89.3428% | 1,340 |
| Net loans and leases to core deposits | 92.3694% | 2,087 |
| Total domestic deposits to total assets | 85.8760% | 3,393 |
| Equity capital to assets | 9.9739% | 4,191 |
| Core capital (leverage) ratio | 9.9326% | 3,346 |
| Tier 1 risk-based capital ratio | 16.2090% | 2,876 |
| Total risk-based capital ratio | 17.3874% | 2,882 |
| Memoranda: | ||
| Average total assets | $1,332,050,330 | 501 |
| Average earning assets | $1,242,617,670 | 494 |
| Average equity | $132,422,330 | 527 |
| Average total loans | $1,038,241,000 | 419 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3941% | 5,715 |
| Cost of funding earning assets | 1.4885% | 1,219 |
| Net interest margin | 2.9056% | 6,751 |
| Noninterest income to average assets | 0.4514% | 4,270 |
| Noninterest expense to average assets | 2.2833% | 6,232 |
| Loan and lease loss provision to assets | 0.6255% | 1,379 |
| Net operating income to assets | 0.1693% | 5,890 |
| Return on assets (ROA) | 0.1693% | 5,938 |
| Pretax return on assets | 0.2538% | 5,798 |
| Return on Equity (ROE) | 1.7056% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.7056% | 5,101 |
| Net charge-offs to loans | 0.8605% | 1,535 |
| Credit loss provision to net charge-offs | 92.9596% | 2,885 |
| Earnings coverage of net charge-offs (x) | 1.3067% | 3,696 |
| Efficiency ratio | 71.9588% | 3,878 |
| Assets per employee ($millions) | 4.9761% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 6,772 |
| Loan loss allowance to noncurrent loans | 46.5719% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 2.3974% | 2,842 |
| Noncurrent loans to loans | 1.8702% | 3,732 |
| Net loans and leases to total assets | 76.6301% | 940 |
| Net loans and leases to deposits | 88.9828% | 1,353 |
| Net loans and leases to core deposits | 91.9676% | 2,133 |
| Total domestic deposits to total assets | 86.1179% | 3,451 |
| Equity capital to assets | 9.9418% | 3,853 |
| Core capital (leverage) ratio | 9.9038% | 3,263 |
| Tier 1 risk-based capital ratio | 16.0824% | 2,865 |
| Total risk-based capital ratio | 17.1790% | 2,909 |
| Memoranda: | ||
| Average total assets | $1,325,633,500 | 510 |
| Average earning assets | $1,236,932,500 | 502 |
| Average equity | $131,564,500 | 527 |
| Average total loans | $1,036,598,500 | 420 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 6,596 |
| Cost of funding earning assets | 1.9620% | 693 |
| Net interest margin | 2.4483% | 7,300 |
| Noninterest income to average assets | 0.4477% | 4,532 |
| Noninterest expense to average assets | 2.0363% | 6,966 |
| Loan and lease loss provision to assets | 0.4274% | 3,551 |
| Net operating income to assets | 0.1949% | 5,278 |
| Return on assets (ROA) | 0.2648% | 5,222 |
| Pretax return on assets | 0.4000% | 4,944 |
| Return on Equity (ROE) | 2.6284% | 5,119 |
| Retained earnings to average equity (ytd only) | 2.6284% | 4,023 |
| Net charge-offs to loans | 0.3847% | 4,110 |
| Credit loss provision to net charge-offs | 144.2566% | 2,579 |
| Earnings coverage of net charge-offs (x) | 2.4356% | 3,913 |
| Efficiency ratio | 73.8360% | 3,430 |
| Assets per employee ($millions) | 4.8631% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 6,774 |
| Loan loss allowance to noncurrent loans | 44.2404% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 2.3770% | 2,891 |
| Noncurrent loans to loans | 1.9859% | 3,584 |
| Net loans and leases to total assets | 78.3920% | 886 |
| Net loans and leases to deposits | 90.9366% | 1,407 |
| Net loans and leases to core deposits | 94.0522% | 2,248 |
| Total domestic deposits to total assets | 86.2051% | 3,245 |
| Equity capital to assets | 9.9075% | 3,871 |
| Core capital (leverage) ratio | 9.8355% | 3,279 |
| Tier 1 risk-based capital ratio | 16.1222% | 2,689 |
| Total risk-based capital ratio | 17.2653% | 2,701 |
| Memoranda: | ||
| Average total assets | $1,257,669,400 | 535 |
| Average earning assets | $1,186,692,600 | 515 |
| Average equity | $126,693,800 | 537 |
| Average total loans | $968,507,800 | 460 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 6,666 |
| Cost of funding earning assets | 2.0520% | 632 |
| Net interest margin | 2.4193% | 7,425 |
| Noninterest income to average assets | 0.4839% | 4,307 |
| Noninterest expense to average assets | 1.9213% | 7,171 |
| Loan and lease loss provision to assets | 0.4836% | 3,057 |
| Net operating income to assets | 0.2432% | 5,378 |
| Return on assets (ROA) | 0.2596% | 5,474 |
| Pretax return on assets | 0.3921% | 5,243 |
| Return on Equity (ROE) | 2.5660% | 5,405 |
| Retained earnings to average equity (ytd only) | 2.5660% | 4,625 |
| Net charge-offs to loans | 0.4604% | 3,450 |
| Credit loss provision to net charge-offs | 137.3855% | 2,907 |
| Earnings coverage of net charge-offs (x) | 2.4172% | 3,969 |
| Efficiency ratio | 69.3077% | 4,205 |
| Assets per employee ($millions) | 5.3345% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,700 |
| Loan loss allowance to noncurrent loans | 53.6668% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 2.0519% | 3,405 |
| Noncurrent loans to loans | 1.7023% | 4,084 |
| Net loans and leases to total assets | 77.3819% | 1,149 |
| Net loans and leases to deposits | 93.1975% | 1,304 |
| Net loans and leases to core deposits | 96.6950% | 2,179 |
| Total domestic deposits to total assets | 83.0301% | 4,580 |
| Equity capital to assets | 10.2150% | 3,860 |
| Core capital (leverage) ratio | 10.4366% | 2,759 |
| Tier 1 risk-based capital ratio | 17.3960% | 2,208 |
| Total risk-based capital ratio | 18.5874% | 2,190 |
| Memoranda: | ||
| Average total assets | $1,240,180,250 | 538 |
| Average earning assets | $1,173,000,000 | 516 |
| Average equity | $125,483,500 | 532 |
| Average total loans | $948,140,500 | 472 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 6,785 |
| Cost of funding earning assets | 2.1185% | 618 |
| Net interest margin | 2.3391% | 7,517 |
| Noninterest income to average assets | 0.2054% | 6,440 |
| Noninterest expense to average assets | 1.8247% | 7,363 |
| Loan and lease loss provision to assets | 0.5358% | 2,639 |
| Net operating income to assets | 0.0402% | 6,006 |
| Return on assets (ROA) | 0.0648% | 6,058 |
| Pretax return on assets | 0.0979% | 5,982 |
| Return on Equity (ROE) | 0.6426% | 6,047 |
| Retained earnings to average equity (ytd only) | 0.6426% | 5,506 |
| Net charge-offs to loans | 0.5613% | 2,852 |
| Credit loss provision to net charge-offs | 125.7587% | 3,207 |
| Earnings coverage of net charge-offs (x) | 1.3998% | 4,438 |
| Efficiency ratio | 75.3672% | 3,190 |
| Assets per employee ($millions) | 5.5746% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8811% | 6,821 |
| Loan loss allowance to noncurrent loans | 49.8058% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 2.0427% | 3,449 |
| Noncurrent loans to loans | 1.7691% | 4,035 |
| Net loans and leases to total assets | 76.9439% | 1,302 |
| Net loans and leases to deposits | 95.1225% | 1,133 |
| Net loans and leases to core deposits | 98.8277% | 2,138 |
| Total domestic deposits to total assets | 80.8893% | 5,436 |
| Equity capital to assets | 10.1252% | 3,861 |
| Core capital (leverage) ratio | 10.3616% | 2,757 |
| Tier 1 risk-based capital ratio | 17.4081% | 2,128 |
| Total risk-based capital ratio | 18.5591% | 2,129 |
| Memoranda: | ||
| Average total assets | $1,237,484,330 | 539 |
| Average earning assets | $1,172,158,670 | 514 |
| Average equity | $124,808,000 | 533 |
| Average total loans | $939,240,670 | 477 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 6,912 |
| Cost of funding earning assets | 2.1833% | 624 |
| Net interest margin | 2.2601% | 7,619 |
| Noninterest income to average assets | 0.1422% | 6,958 |
| Noninterest expense to average assets | 1.7834% | 7,485 |
| Loan and lease loss provision to assets | 0.3989% | 2,982 |
| Net operating income to assets | 0.0646% | 6,120 |
| Return on assets (ROA) | 0.0646% | 6,227 |
| Pretax return on assets | 0.1012% | 6,128 |
| Return on Equity (ROE) | 0.6423% | 6,225 |
| Retained earnings to average equity (ytd only) | 0.6423% | 5,564 |
| Net charge-offs to loans | 0.4226% | 2,779 |
| Credit loss provision to net charge-offs | 125.7900% | 2,795 |
| Earnings coverage of net charge-offs (x) | 1.5770% | 3,782 |
| Efficiency ratio | 78.1002% | 2,877 |
| Assets per employee ($millions) | 5.9806% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8728% | 6,918 |
| Loan loss allowance to noncurrent loans | 43.2788% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 2.1064% | 3,378 |
| Noncurrent loans to loans | 2.0166% | 3,774 |
| Net loans and leases to total assets | 74.6197% | 1,828 |
| Net loans and leases to deposits | 93.3696% | 1,426 |
| Net loans and leases to core deposits | 96.7632% | 2,492 |
| Total domestic deposits to total assets | 79.9187% | 5,807 |
| Equity capital to assets | 10.1199% | 3,721 |
| Core capital (leverage) ratio | 10.3866% | 2,730 |
| Tier 1 risk-based capital ratio | 17.8950% | 1,970 |
| Total risk-based capital ratio | 19.0281% | 1,973 |
| Memoranda: | ||
| Average total assets | $1,237,445,500 | 557 |
| Average earning assets | $1,172,341,500 | 531 |
| Average equity | $124,559,000 | 538 |
| Average total loans | $928,514,000 | 506 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8379% | 6,865 |
| Cost of funding earning assets | 2.4948% | 1,037 |
| Net interest margin | 2.3431% | 7,550 |
| Noninterest income to average assets | 0.3105% | 5,859 |
| Noninterest expense to average assets | 1.8070% | 7,600 |
| Loan and lease loss provision to assets | 0.5673% | 3,541 |
| Net operating income to assets | 0.1114% | 5,181 |
| Return on assets (ROA) | 0.2665% | 4,738 |
| Pretax return on assets | 0.4023% | 4,494 |
| Return on Equity (ROE) | 2.6308% | 4,647 |
| Retained earnings to average equity (ytd only) | 2.6308% | 3,303 |
| Net charge-offs to loans | 0.4435% | 4,020 |
| Credit loss provision to net charge-offs | 165.0497% | 2,642 |
| Earnings coverage of net charge-offs (x) | 2.1375% | 4,122 |
| Efficiency ratio | 71.0944% | 4,431 |
| Assets per employee ($millions) | 5.9185% | 1,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 6,981 |
| Loan loss allowance to noncurrent loans | 42.5565% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 2.1139% | 3,251 |
| Noncurrent loans to loans | 1.9987% | 3,652 |
| Net loans and leases to total assets | 74.1587% | 2,232 |
| Net loans and leases to deposits | 93.3540% | 1,685 |
| Net loans and leases to core deposits | 117.5403% | 2,175 |
| Total domestic deposits to total assets | 79.4382% | 5,866 |
| Equity capital to assets | 10.0122% | 3,749 |
| Core capital (leverage) ratio | 10.2772% | 2,803 |
| Tier 1 risk-based capital ratio | 17.5833% | 2,002 |
| Total risk-based capital ratio | 18.6727% | 2,005 |
| Memoranda: | ||
| Average total assets | $1,229,494,000 | 549 |
| Average earning assets | $1,170,820,000 | 519 |
| Average equity | $124,525,200 | 534 |
| Average total loans | $952,859,800 | 503 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8975% | 6,893 |
| Cost of funding earning assets | 2.5579% | 1,139 |
| Net interest margin | 2.3396% | 7,608 |
| Noninterest income to average assets | 0.3487% | 5,710 |
| Noninterest expense to average assets | 1.8147% | 7,650 |
| Loan and lease loss provision to assets | 0.5278% | 3,274 |
| Net operating income to assets | 0.1576% | 5,295 |
| Return on assets (ROA) | 0.2522% | 5,065 |
| Pretax return on assets | 0.3802% | 4,848 |
| Return on Equity (ROE) | 2.4825% | 4,999 |
| Retained earnings to average equity (ytd only) | 2.4825% | 3,937 |
| Net charge-offs to loans | 0.4311% | 3,525 |
| Credit loss provision to net charge-offs | 156.5806% | 3,044 |
| Earnings coverage of net charge-offs (x) | 2.2684% | 4,124 |
| Efficiency ratio | 70.3554% | 4,522 |
| Assets per employee ($millions) | 5.8160% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 7,286 |
| Loan loss allowance to noncurrent loans | 41.5559% | 5,552 |
| Noncurrent assets plus other real estate owned to assets | 1.9333% | 3,449 |
| Noncurrent loans to loans | 1.7800% | 3,941 |
| Net loans and leases to total assets | 75.9429% | 2,001 |
| Net loans and leases to deposits | 96.2703% | 1,539 |
| Net loans and leases to core deposits | 121.4149% | 2,128 |
| Total domestic deposits to total assets | 78.8852% | 5,843 |
| Equity capital to assets | 10.3289% | 3,699 |
| Core capital (leverage) ratio | 10.3996% | 2,884 |
| Tier 1 risk-based capital ratio | 17.4589% | 2,130 |
| Total risk-based capital ratio | 18.4116% | 2,172 |
| Memoranda: | ||
| Average total assets | $1,226,145,000 | 563 |
| Average earning assets | $1,169,045,250 | 533 |
| Average equity | $124,546,250 | 546 |
| Average total loans | $958,670,250 | 514 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9937% | 6,794 |
| Cost of funding earning assets | 2.6568% | 1,145 |
| Net interest margin | 2.3368% | 7,641 |
| Noninterest income to average assets | 0.3859% | 5,411 |
| Noninterest expense to average assets | 1.8497% | 7,682 |
| Loan and lease loss provision to assets | 0.7174% | 2,283 |
| Net operating income to assets | 0.0305% | 5,758 |
| Return on assets (ROA) | 0.1743% | 5,443 |
| Pretax return on assets | 0.2616% | 5,297 |
| Return on Equity (ROE) | 1.7257% | 5,397 |
| Retained earnings to average equity (ytd only) | 1.7257% | 4,380 |
| Net charge-offs to loans | 0.5635% | 2,634 |
| Credit loss provision to net charge-offs | 161.6740% | 2,840 |
| Earnings coverage of net charge-offs (x) | 1.7225% | 4,262 |
| Efficiency ratio | 70.7609% | 4,631 |
| Assets per employee ($millions) | 5.6264% | 1,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7330% | 7,355 |
| Loan loss allowance to noncurrent loans | 42.1840% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 1.9500% | 3,269 |
| Noncurrent loans to loans | 1.7376% | 3,904 |
| Net loans and leases to total assets | 77.0672% | 1,937 |
| Net loans and leases to deposits | 97.8800% | 1,538 |
| Net loans and leases to core deposits | 123.4605% | 2,072 |
| Total domestic deposits to total assets | 78.7364% | 5,884 |
| Equity capital to assets | 10.2995% | 3,619 |
| Core capital (leverage) ratio | 10.3926% | 2,911 |
| Tier 1 risk-based capital ratio | 17.5502% | 2,132 |
| Total risk-based capital ratio | 18.5135% | 2,159 |
| Memoranda: | ||
| Average total assets | $1,227,740,330 | 576 |
| Average earning assets | $1,170,637,000 | 546 |
| Average equity | $124,010,670 | 554 |
| Average total loans | $966,744,330 | 523 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 6,576 |
| Cost of funding earning assets | 2.8109% | 959 |
| Net interest margin | 2.3131% | 7,703 |
| Noninterest income to average assets | 0.2565% | 6,399 |
| Noninterest expense to average assets | 1.7410% | 7,774 |
| Loan and lease loss provision to assets | 0.7426% | 1,734 |
| Net operating income to assets | -0.0120% | 6,274 |
| Return on assets (ROA) | 0.1349% | 6,040 |
| Pretax return on assets | 0.2031% | 5,930 |
| Return on Equity (ROE) | 1.3482% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.3482% | 5,095 |
| Net charge-offs to loans | 0.6715% | 1,839 |
| Credit loss provision to net charge-offs | 139.4897% | 2,919 |
| Earnings coverage of net charge-offs (x) | 1.3584% | 4,056 |
| Efficiency ratio | 70.6523% | 4,440 |
| Assets per employee ($millions) | 5.7988% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 7,627 |
| Loan loss allowance to noncurrent loans | 29.9181% | 6,557 |
| Noncurrent assets plus other real estate owned to assets | 2.2328% | 2,564 |
| Noncurrent loans to loans | 2.0693% | 3,168 |
| Net loans and leases to total assets | 77.8732% | 1,851 |
| Net loans and leases to deposits | 98.5340% | 1,593 |
| Net loans and leases to core deposits | 124.5681% | 2,030 |
| Total domestic deposits to total assets | 79.0318% | 5,714 |
| Equity capital to assets | 10.0718% | 3,916 |
| Core capital (leverage) ratio | 10.1302% | 3,261 |
| Tier 1 risk-based capital ratio | 17.0956% | 2,306 |
| Total risk-based capital ratio | 17.9167% | 2,386 |
| Memoranda: | ||
| Average total assets | $1,236,769,000 | 571 |
| Average earning assets | $1,180,417,500 | 542 |
| Average equity | $123,720,500 | 553 |
| Average total loans | $980,540,000 | 519 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4767% | 7,349 |
| Cost of funding earning assets | 3.3377% | 837 |
| Net interest margin | 2.1390% | 7,994 |
| Noninterest income to average assets | 0.2757% | 6,488 |
| Noninterest expense to average assets | 1.6713% | 7,889 |
| Loan and lease loss provision to assets | 0.1992% | 4,901 |
| Net operating income to assets | 0.2987% | 5,547 |
| Return on assets (ROA) | 0.3457% | 5,186 |
| Pretax return on assets | 0.5193% | 4,925 |
| Return on Equity (ROE) | 3.4519% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.4519% | 2,994 |
| Net charge-offs to loans | 0.6436% | 1,920 |
| Credit loss provision to net charge-offs | 39.2630% | 6,458 |
| Earnings coverage of net charge-offs (x) | 1.2777% | 5,489 |
| Efficiency ratio | 72.0522% | 3,924 |
| Assets per employee ($millions) | 5.8971% | 1,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5943% | 7,689 |
| Loan loss allowance to noncurrent loans | 24.7931% | 7,016 |
| Noncurrent assets plus other real estate owned to assets | 2.2321% | 2,187 |
| Noncurrent loans to loans | 2.3971% | 2,292 |
| Net loans and leases to total assets | 79.7274% | 1,717 |
| Net loans and leases to deposits | 100.7906% | 1,741 |
| Net loans and leases to core deposits | 127.8371% | 2,012 |
| Total domestic deposits to total assets | 79.1020% | 5,336 |
| Equity capital to assets | 9.9354% | 4,117 |
| Core capital (leverage) ratio | 10.0587% | 3,389 |
| Tier 1 risk-based capital ratio | 16.8141% | 2,382 |
| Total risk-based capital ratio | 17.6123% | 2,473 |
| Memoranda: | ||
| Average total assets | $1,208,754,400 | 555 |
| Average earning assets | $1,155,032,200 | 530 |
| Average equity | $121,063,600 | 560 |
| Average total loans | $952,897,800 | 512 |