Home > First Internet Bank of Indiana > Performance and Condition Ratios
First Internet Bank of Indiana, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 1,804 |
| Cost of funding earning assets | 3.4075% | 84 |
| Net interest margin | 1.7187% | 4,468 |
| Noninterest income to average assets | 0.5300% | 1,829 |
| Noninterest expense to average assets | 1.5565% | 4,285 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 0.3049% | 4,021 |
| Return on assets (ROA) | 0.3056% | 4,017 |
| Pretax return on assets | 0.2717% | 4,119 |
| Return on Equity (ROE) | 3.4200% | 3,966 |
| Retained earnings to average equity (ytd only) | 0.6778% | 3,909 |
| Net charge-offs to loans | 0.3083% | 346 |
| Credit loss provision to net charge-offs | 135.8116% | 1,553 |
| Earnings coverage of net charge-offs (x) | 2.6298% | 2,686 |
| Efficiency ratio | 71.8127% | 1,675 |
| Assets per employee ($millions) | 18.0191% | 132 |
| Cash dividends to net income (ytd only)* | 80.1657% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 3,286 |
| Loan loss allowance to noncurrent loans | 389.2190% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2006% | 2,225 |
| Noncurrent loans to loans | 0.2579% | 2,259 |
| Net loans and leases to total assets | 74.1900% | 1,329 |
| Net loans and leases to deposits | 93.7461% | 958 |
| Net loans and leases to core deposits | 128.9774% | 417 |
| Total domestic deposits to total assets | 79.1400% | 3,592 |
| Equity capital to assets | 8.6199% | 2,956 |
| Core capital (leverage) ratio | 8.9530% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7293% | 2,330 |
| Memoranda: | ||
| Average total assets | $4,898,255,400 | 277 |
| Average earning assets | $4,670,966,200 | 265 |
| Average equity | $438,027,400 | 296 |
| Average total loans | $3,690,828,000 | 255 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0114% | 1,806 |
| Cost of funding earning assets | 3.3003% | 86 |
| Net interest margin | 1.7111% | 4,497 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 1.5719% | 4,261 |
| Loan and lease loss provision to assets | 0.3600% | 243 |
| Net operating income to assets | 0.2578% | 4,166 |
| Return on assets (ROA) | 0.2555% | 4,178 |
| Pretax return on assets | 0.2152% | 4,242 |
| Return on Equity (ROE) | 2.8300% | 4,115 |
| Retained earnings to average equity (ytd only) | 0.3867% | 4,057 |
| Net charge-offs to loans | 0.3736% | 233 |
| Credit loss provision to net charge-offs | 117.1476% | 1,502 |
| Earnings coverage of net charge-offs (x) | 2.0486% | 2,500 |
| Efficiency ratio | 73.1290% | 1,436 |
| Assets per employee ($millions) | 18.0286% | 119 |
| Cash dividends to net income (ytd only)* | 86.3371% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9677% | 3,509 |
| Loan loss allowance to noncurrent loans | 619.4053% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 2,792 |
| Noncurrent loans to loans | 0.1562% | 2,769 |
| Net loans and leases to total assets | 72.3500% | 1,531 |
| Net loans and leases to deposits | 91.1126% | 1,135 |
| Net loans and leases to core deposits | 127.7592% | 374 |
| Total domestic deposits to total assets | 79.4000% | 3,622 |
| Equity capital to assets | 8.3483% | 2,827 |
| Core capital (leverage) ratio | 8.9694% | 3,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7090% | 2,384 |
| Memoranda: | ||
| Average total assets | $4,834,454,750 | 282 |
| Average earning assets | $4,607,266,750 | 271 |
| Average equity | $436,479,000 | 298 |
| Average total loans | $3,647,967,000 | 261 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 1,768 |
| Cost of funding earning assets | 3.1009% | 73 |
| Net interest margin | 1.7964% | 4,538 |
| Noninterest income to average assets | 0.4900% | 1,926 |
| Noninterest expense to average assets | 1.6061% | 4,253 |
| Loan and lease loss provision to assets | 0.4700% | 161 |
| Net operating income to assets | 0.1891% | 4,292 |
| Return on assets (ROA) | 0.1891% | 4,313 |
| Pretax return on assets | 0.1241% | 4,379 |
| Return on Equity (ROE) | 2.0400% | 4,269 |
| Retained earnings to average equity (ytd only) | 0.2139% | 4,034 |
| Net charge-offs to loans | 0.4859% | 167 |
| Credit loss provision to net charge-offs | 115.5013% | 1,346 |
| Earnings coverage of net charge-offs (x) | 1.6023% | 2,358 |
| Efficiency ratio | 72.9912% | 1,456 |
| Assets per employee ($millions) | 17.6916% | 125 |
| Cash dividends to net income (ytd only)* | 89.5055% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 3,499 |
| Loan loss allowance to noncurrent loans | 579.0589% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.1283% | 2,653 |
| Noncurrent loans to loans | 0.1693% | 2,631 |
| Net loans and leases to total assets | 73.8000% | 1,318 |
| Net loans and leases to deposits | 94.2112% | 841 |
| Net loans and leases to core deposits | 131.8373% | 302 |
| Total domestic deposits to total assets | 78.3400% | 3,806 |
| Equity capital to assets | 8.8608% | 2,622 |
| Core capital (leverage) ratio | 9.3541% | 3,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3698% | 2,147 |
| Memoranda: | ||
| Average total assets | $4,727,214,333 | 279 |
| Average earning assets | $4,498,635,000 | 267 |
| Average equity | $438,488,000 | 289 |
| Average total loans | $3,608,377,000 | 254 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 1,761 |
| Cost of funding earning assets | 2.8337% | 51 |
| Net interest margin | 1.9049% | 4,585 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 1.7439% | 4,130 |
| Loan and lease loss provision to assets | 0.8100% | 84 |
| Net operating income to assets | -0.1173% | 4,536 |
| Return on assets (ROA) | -0.1145% | 4,519 |
| Pretax return on assets | -0.2736% | 4,540 |
| Return on Equity (ROE) | -1.2100% | 4,491 |
| Retained earnings to average equity (ytd only) | -1.2053% | 4,148 |
| Net charge-offs to loans | 0.8052% | 95 |
| Credit loss provision to net charge-offs | 130.3072% | 1,004 |
| Earnings coverage of net charge-offs (x) | 0.8635% | 1,991 |
| Efficiency ratio | 76.4423% | 1,134 |
| Assets per employee ($millions) | 17.0080% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,450 |
| Loan loss allowance to noncurrent loans | 399.9458% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 2,153 |
| Noncurrent loans to loans | 0.2543% | 2,235 |
| Net loans and leases to total assets | 76.1700% | 955 |
| Net loans and leases to deposits | 98.6861% | 503 |
| Net loans and leases to core deposits | 137.0447% | 208 |
| Total domestic deposits to total assets | 77.1800% | 4,071 |
| Equity capital to assets | 9.2854% | 2,305 |
| Core capital (leverage) ratio | 9.8837% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5797% | 2,150 |
| Memoranda: | ||
| Average total assets | $4,622,849,000 | 292 |
| Average earning assets | $4,392,205,500 | 279 |
| Average equity | $439,049,500 | 295 |
| Average total loans | $3,573,149,000 | 262 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 2,075 |
| Cost of funding earning assets | 1.3414% | 43 |
| Net interest margin | 2.5244% | 4,262 |
| Noninterest income to average assets | 0.5000% | 2,092 |
| Noninterest expense to average assets | 1.6420% | 4,257 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.9936% | 2,593 |
| Return on assets (ROA) | 0.9867% | 2,568 |
| Pretax return on assets | 1.1376% | 2,652 |
| Return on Equity (ROE) | 9.7400% | 2,887 |
| Retained earnings to average equity (ytd only) | 7.8833% | 1,881 |
| Net charge-offs to loans | 0.0343% | 1,394 |
| Credit loss provision to net charge-offs | 460.4070% | 717 |
| Earnings coverage of net charge-offs (x) | 49.7669% | 1,370 |
| Efficiency ratio | 56.5360% | 3,523 |
| Assets per employee ($millions) | 14.3044% | 230 |
| Cash dividends to net income (ytd only)* | 19.0254% | 2,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9014% | 3,767 |
| Loan loss allowance to noncurrent loans | 421.5861% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.1660% | 2,384 |
| Noncurrent loans to loans | 0.2138% | 2,420 |
| Net loans and leases to total assets | 76.9500% | 903 |
| Net loans and leases to deposits | 100.7412% | 408 |
| Net loans and leases to core deposits | 132.4203% | 203 |
| Total domestic deposits to total assets | 76.3800% | 4,236 |
| Equity capital to assets | 9.7177% | 1,876 |
| Core capital (leverage) ratio | 10.8373% | 1,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9891% | 1,983 |
| Memoranda: | ||
| Average total assets | $4,261,731,200 | 303 |
| Average earning assets | $4,058,883,600 | 289 |
| Average equity | $431,914,200 | 288 |
| Average total loans | $3,152,761,200 | 273 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 2,008 |
| Cost of funding earning assets | 1.0606% | 48 |
| Net interest margin | 2.6510% | 4,023 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.6589% | 4,227 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1005% | 2,093 |
| Return on assets (ROA) | 1.0910% | 2,104 |
| Pretax return on assets | 1.2672% | 2,149 |
| Return on Equity (ROE) | 10.6500% | 2,525 |
| Retained earnings to average equity (ytd only) | 9.4059% | 1,514 |
| Net charge-offs to loans | 0.0367% | 1,133 |
| Credit loss provision to net charge-offs | 340.2135% | 758 |
| Earnings coverage of net charge-offs (x) | 51.0913% | 1,274 |
| Efficiency ratio | 54.7803% | 3,747 |
| Assets per employee ($millions) | 13.5939% | 262 |
| Cash dividends to net income (ytd only)* | 11.6564% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 3,822 |
| Loan loss allowance to noncurrent loans | 497.3522% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.1411% | 2,619 |
| Noncurrent loans to loans | 0.1831% | 2,668 |
| Net loans and leases to total assets | 76.3600% | 870 |
| Net loans and leases to deposits | 100.9557% | 328 |
| Net loans and leases to core deposits | 129.2425% | 156 |
| Total domestic deposits to total assets | 75.6400% | 4,383 |
| Equity capital to assets | 10.1430% | 1,546 |
| Core capital (leverage) ratio | 11.2177% | 1,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7689% | 1,779 |
| Memoranda: | ||
| Average total assets | $4,193,544,000 | 304 |
| Average earning assets | $3,995,993,250 | 292 |
| Average equity | $429,731,500 | 290 |
| Average total loans | $3,060,723,500 | 274 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6247% | 1,763 |
| Cost of funding earning assets | 0.9057% | 58 |
| Net interest margin | 2.7190% | 3,666 |
| Noninterest income to average assets | 0.5460% | 1,964 |
| Noninterest expense to average assets | 1.6719% | 4,177 |
| Loan and lease loss provision to assets | 0.0947% | 1,050 |
| Net operating income to assets | 1.1756% | 1,515 |
| Return on assets (ROA) | 1.1661% | 1,526 |
| Pretax return on assets | 1.3618% | 1,547 |
| Return on Equity (ROE) | 11.3400% | 1,879 |
| Retained earnings to average equity (ytd only) | 9.4757% | 1,143 |
| Net charge-offs to loans | 0.0444% | 943 |
| Credit loss provision to net charge-offs | 297.5904% | 801 |
| Earnings coverage of net charge-offs (x) | 46.1175% | 1,197 |
| Efficiency ratio | 53.2546% | 4,028 |
| Assets per employee ($millions) | 13.5480% | 260 |
| Cash dividends to net income (ytd only)* | 16.4399% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 3,845 |
| Loan loss allowance to noncurrent loans | 643.9806% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 2,930 |
| Noncurrent loans to loans | 0.1454% | 2,971 |
| Net loans and leases to total assets | 75.3891% | 786 |
| Net loans and leases to deposits | 96.8210% | 395 |
| Net loans and leases to core deposits | 120.9817% | 188 |
| Total domestic deposits to total assets | 77.8644% | 4,361 |
| Equity capital to assets | 10.5020% | 1,433 |
| Core capital (leverage) ratio | 11.0264% | 1,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4989% | 1,573 |
| Memoranda: | ||
| Average total assets | $4,173,097,000 | 303 |
| Average earning assets | $3,980,437,333 | 294 |
| Average equity | $429,117,000 | 289 |
| Average total loans | $2,987,961,667 | 277 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5847% | 1,549 |
| Cost of funding earning assets | 0.8896% | 59 |
| Net interest margin | 2.6952% | 3,413 |
| Noninterest income to average assets | 0.6403% | 1,531 |
| Noninterest expense to average assets | 1.6884% | 4,149 |
| Loan and lease loss provision to assets | 0.0751% | 1,101 |
| Net operating income to assets | 1.2310% | 1,168 |
| Return on assets (ROA) | 1.2301% | 1,152 |
| Pretax return on assets | 1.4474% | 1,135 |
| Return on Equity (ROE) | 12.0878% | 1,280 |
| Retained earnings to average equity (ytd only) | 12.0878% | 588 |
| Net charge-offs to loans | 0.0521% | 771 |
| Credit loss provision to net charge-offs | 207.6115% | 767 |
| Earnings coverage of net charge-offs (x) | 42.1260% | 991 |
| Efficiency ratio | 52.5667% | 4,153 |
| Assets per employee ($millions) | 14.6559% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,841 |
| Loan loss allowance to noncurrent loans | 398.7438% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 2,616 |
| Noncurrent loans to loans | 0.2431% | 2,621 |
| Net loans and leases to total assets | 68.3862% | 1,178 |
| Net loans and leases to deposits | 88.4810% | 596 |
| Net loans and leases to core deposits | 104.5670% | 377 |
| Total domestic deposits to total assets | 77.2891% | 4,445 |
| Equity capital to assets | 10.1788% | 1,771 |
| Core capital (leverage) ratio | 10.5745% | 1,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9850% | 1,517 |
| Memoranda: | ||
| Average total assets | $4,213,890,500 | 304 |
| Average earning assets | $4,020,828,500 | 297 |
| Average equity | $428,830,500 | 298 |
| Average total loans | $2,925,089,000 | 281 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3073% | 3,191 |
| Cost of funding earning assets | 1.0242% | 69 |
| Net interest margin | 2.2831% | 4,429 |
| Noninterest income to average assets | 0.7189% | 1,694 |
| Noninterest expense to average assets | 1.3673% | 4,641 |
| Loan and lease loss provision to assets | 0.0244% | 2,575 |
| Net operating income to assets | 1.2788% | 1,666 |
| Return on assets (ROA) | 1.2771% | 1,725 |
| Pretax return on assets | 1.5177% | 1,659 |
| Return on Equity (ROE) | 13.5668% | 1,289 |
| Retained earnings to average equity (ytd only) | 13.5668% | 346 |
| Net charge-offs to loans | 0.0885% | 928 |
| Credit loss provision to net charge-offs | 38.5335% | 2,203 |
| Earnings coverage of net charge-offs (x) | 24.3577% | 1,749 |
| Efficiency ratio | 46.9627% | 4,457 |
| Assets per employee ($millions) | 14.8129% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 3,942 |
| Loan loss allowance to noncurrent loans | 376.2297% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2041% | 2,548 |
| Noncurrent loans to loans | 0.2521% | 2,714 |
| Net loans and leases to total assets | 69.1147% | 1,138 |
| Net loans and leases to deposits | 89.9669% | 572 |
| Net loans and leases to core deposits | 107.9732% | 323 |
| Total domestic deposits to total assets | 76.8224% | 4,470 |
| Equity capital to assets | 10.1743% | 2,498 |
| Core capital (leverage) ratio | 10.3707% | 2,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4880% | 1,688 |
| Memoranda: | ||
| Average total assets | $4,216,452,800 | 293 |
| Average earning assets | $4,049,276,200 | 283 |
| Average equity | $396,901,800 | 321 |
| Average total loans | $3,018,893,000 | 269 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2787% | 3,446 |
| Cost of funding earning assets | 1.0562% | 68 |
| Net interest margin | 2.2225% | 4,555 |
| Noninterest income to average assets | 0.7145% | 1,775 |
| Noninterest expense to average assets | 1.3276% | 4,730 |
| Loan and lease loss provision to assets | 0.0401% | 2,194 |
| Net operating income to assets | 1.2446% | 2,008 |
| Return on assets (ROA) | 1.2431% | 2,076 |
| Pretax return on assets | 1.4814% | 2,044 |
| Return on Equity (ROE) | 13.4775% | 1,550 |
| Retained earnings to average equity (ytd only) | 13.4775% | 571 |
| Net charge-offs to loans | 0.1207% | 654 |
| Credit loss provision to net charge-offs | 46.0756% | 1,881 |
| Earnings coverage of net charge-offs (x) | 17.5149% | 1,812 |
| Efficiency ratio | 46.5680% | 4,469 |
| Assets per employee ($millions) | 14.9086% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 4,035 |
| Loan loss allowance to noncurrent loans | 356.5970% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 2,716 |
| Noncurrent loans to loans | 0.2635% | 2,873 |
| Net loans and leases to total assets | 69.4790% | 1,132 |
| Net loans and leases to deposits | 89.9111% | 612 |
| Net loans and leases to core deposits | 111.1240% | 305 |
| Total domestic deposits to total assets | 77.2752% | 4,473 |
| Equity capital to assets | 9.6766% | 3,217 |
| Core capital (leverage) ratio | 9.8339% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9330% | 1,993 |
| Memoranda: | ||
| Average total assets | $4,218,848,750 | 292 |
| Average earning assets | $4,055,535,000 | 283 |
| Average equity | $389,122,000 | 324 |
| Average total loans | $3,039,764,500 | 268 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2938% | 3,444 |
| Cost of funding earning assets | 1.0910% | 70 |
| Net interest margin | 2.2028% | 4,600 |
| Noninterest income to average assets | 0.7033% | 1,795 |
| Noninterest expense to average assets | 1.3497% | 4,757 |
| Loan and lease loss provision to assets | 0.0616% | 1,813 |
| Net operating income to assets | 1.1895% | 2,228 |
| Return on assets (ROA) | 1.1877% | 2,302 |
| Pretax return on assets | 1.4093% | 2,304 |
| Return on Equity (ROE) | 13.0940% | 1,676 |
| Retained earnings to average equity (ytd only) | 13.0940% | 698 |
| Net charge-offs to loans | 0.1775% | 477 |
| Credit loss provision to net charge-offs | 47.7716% | 1,613 |
| Earnings coverage of net charge-offs (x) | 11.4180% | 1,760 |
| Efficiency ratio | 47.8150% | 4,400 |
| Assets per employee ($millions) | 15.4869% | 187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9402% | 4,025 |
| Loan loss allowance to noncurrent loans | 302.9577% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2517% | 2,662 |
| Noncurrent loans to loans | 0.3103% | 2,814 |
| Net loans and leases to total assets | 70.4589% | 1,148 |
| Net loans and leases to deposits | 91.4418% | 569 |
| Net loans and leases to core deposits | 113.7039% | 290 |
| Total domestic deposits to total assets | 77.0533% | 4,510 |
| Equity capital to assets | 9.4497% | 3,383 |
| Core capital (leverage) ratio | 9.6133% | 2,796 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4739% | 2,179 |
| Memoranda: | ||
| Average total assets | $4,208,818,333 | 293 |
| Average earning assets | $4,049,682,667 | 283 |
| Average equity | $381,779,000 | 328 |
| Average total loans | $3,059,646,333 | 266 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2843% | 3,489 |
| Cost of funding earning assets | 1.1322% | 74 |
| Net interest margin | 2.1520% | 4,652 |
| Noninterest income to average assets | 0.7852% | 1,623 |
| Noninterest expense to average assets | 1.3607% | 4,775 |
| Loan and lease loss provision to assets | 0.1211% | 1,135 |
| Net operating income to assets | 1.1518% | 2,328 |
| Return on assets (ROA) | 1.1532% | 2,391 |
| Pretax return on assets | 1.3766% | 2,345 |
| Return on Equity (ROE) | 12.9829% | 1,676 |
| Retained earnings to average equity (ytd only) | 12.9829% | 917 |
| Net charge-offs to loans | 0.0152% | 1,439 |
| Credit loss provision to net charge-offs | 1,081.3559% | 393 |
| Earnings coverage of net charge-offs (x) | 133.5932% | 523 |
| Efficiency ratio | 47.6314% | 4,365 |
| Assets per employee ($millions) | 16.3533% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 3,874 |
| Loan loss allowance to noncurrent loans | 289.1300% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2532% | 2,874 |
| Noncurrent loans to loans | 0.3428% | 2,869 |
| Net loans and leases to total assets | 73.1240% | 891 |
| Net loans and leases to deposits | 94.3191% | 477 |
| Net loans and leases to core deposits | 117.6514% | 268 |
| Total domestic deposits to total assets | 77.5283% | 4,476 |
| Equity capital to assets | 9.1313% | 3,561 |
| Core capital (leverage) ratio | 9.3729% | 3,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1114% | 2,247 |
| Memoranda: | ||
| Average total assets | $4,214,749,000 | 293 |
| Average earning assets | $4,057,161,000 | 283 |
| Average equity | $374,369,500 | 331 |
| Average total loans | $3,096,872,000 | 264 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3768% | 4,228 |
| Cost of funding earning assets | 1.6646% | 39 |
| Net interest margin | 1.7122% | 4,896 |
| Noninterest income to average assets | 0.8462% | 1,402 |
| Noninterest expense to average assets | 1.2778% | 4,879 |
| Loan and lease loss provision to assets | 0.2204% | 1,773 |
| Net operating income to assets | 0.8358% | 2,956 |
| Return on assets (ROA) | 0.8395% | 3,075 |
| Pretax return on assets | 0.9939% | 3,062 |
| Return on Equity (ROE) | 10.3013% | 1,887 |
| Retained earnings to average equity (ytd only) | 10.3013% | 535 |
| Net charge-offs to loans | 0.0554% | 1,990 |
| Credit loss provision to net charge-offs | 554.7293% | 1,173 |
| Earnings coverage of net charge-offs (x) | 30.4569% | 1,600 |
| Efficiency ratio | 51.3660% | 4,431 |
| Assets per employee ($millions) | 16.5745% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 4,038 |
| Loan loss allowance to noncurrent loans | 289.5414% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 3,090 |
| Noncurrent loans to loans | 0.3283% | 3,027 |
| Net loans and leases to total assets | 72.4083% | 1,238 |
| Net loans and leases to deposits | 92.7799% | 733 |
| Net loans and leases to core deposits | 116.8939% | 355 |
| Total domestic deposits to total assets | 78.0431% | 4,311 |
| Equity capital to assets | 8.6368% | 4,345 |
| Core capital (leverage) ratio | 8.7814% | 3,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4687% | 2,464 |
| Memoranda: | ||
| Average total assets | $4,231,720,000 | 277 |
| Average earning assets | $4,057,064,200 | 266 |
| Average equity | $344,867,800 | 336 |
| Average total loans | $3,035,911,000 | 260 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4012% | 4,346 |
| Cost of funding earning assets | 1.7786% | 32 |
| Net interest margin | 1.6226% | 4,955 |
| Noninterest income to average assets | 0.7326% | 1,695 |
| Noninterest expense to average assets | 1.2736% | 4,916 |
| Loan and lease loss provision to assets | 0.2037% | 1,964 |
| Net operating income to assets | 0.7169% | 3,403 |
| Return on assets (ROA) | 0.7224% | 3,485 |
| Pretax return on assets | 0.8155% | 3,604 |
| Return on Equity (ROE) | 8.9993% | 2,397 |
| Retained earnings to average equity (ytd only) | 8.9993% | 978 |
| Net charge-offs to loans | 0.0611% | 1,728 |
| Credit loss provision to net charge-offs | 466.8353% | 1,338 |
| Earnings coverage of net charge-offs (x) | 23.2168% | 1,807 |
| Efficiency ratio | 55.6965% | 3,958 |
| Assets per employee ($millions) | 16.7208% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 4,156 |
| Loan loss allowance to noncurrent loans | 275.3939% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 3,321 |
| Noncurrent loans to loans | 0.3161% | 3,153 |
| Net loans and leases to total assets | 70.7789% | 1,846 |
| Net loans and leases to deposits | 90.0516% | 1,260 |
| Net loans and leases to core deposits | 115.5021% | 513 |
| Total domestic deposits to total assets | 78.5981% | 4,118 |
| Equity capital to assets | 8.1184% | 4,674 |
| Core capital (leverage) ratio | 8.5023% | 4,289 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1705% | 2,550 |
| Memoranda: | ||
| Average total assets | $4,228,884,000 | 272 |
| Average earning assets | $4,050,274,250 | 262 |
| Average equity | $339,469,000 | 331 |
| Average total loans | $3,019,435,000 | 259 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 4,387 |
| Cost of funding earning assets | 1.9309% | 26 |
| Net interest margin | 1.5901% | 5,008 |
| Noninterest income to average assets | 0.5207% | 2,490 |
| Noninterest expense to average assets | 1.1813% | 4,978 |
| Loan and lease loss provision to assets | 0.1884% | 2,139 |
| Net operating income to assets | 0.6189% | 3,677 |
| Return on assets (ROA) | 0.6238% | 3,737 |
| Pretax return on assets | 0.6750% | 3,921 |
| Return on Equity (ROE) | 7.8019% | 2,827 |
| Retained earnings to average equity (ytd only) | 7.8019% | 1,371 |
| Net charge-offs to loans | 0.0886% | 1,364 |
| Credit loss provision to net charge-offs | 297.8146% | 1,628 |
| Earnings coverage of net charge-offs (x) | 13.5629% | 1,989 |
| Efficiency ratio | 57.9250% | 3,700 |
| Assets per employee ($millions) | 17.3569% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8113% | 4,318 |
| Loan loss allowance to noncurrent loans | 298.5357% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2374% | 3,373 |
| Noncurrent loans to loans | 0.2718% | 3,413 |
| Net loans and leases to total assets | 69.2069% | 2,155 |
| Net loans and leases to deposits | 87.6014% | 1,601 |
| Net loans and leases to core deposits | 115.8626% | 538 |
| Total domestic deposits to total assets | 79.0020% | 4,037 |
| Equity capital to assets | 7.8502% | 4,787 |
| Core capital (leverage) ratio | 8.2215% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8524% | 2,668 |
| Memoranda: | ||
| Average total assets | $4,194,952,333 | 269 |
| Average earning assets | $4,006,645,667 | 259 |
| Average equity | $335,431,000 | 335 |
| Average total loans | $2,995,206,000 | 260 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6852% | 4,423 |
| Cost of funding earning assets | 2.0369% | 28 |
| Net interest margin | 1.6482% | 5,064 |
| Noninterest income to average assets | 0.5875% | 2,095 |
| Noninterest expense to average assets | 1.2091% | 5,026 |
| Loan and lease loss provision to assets | 0.1414% | 1,971 |
| Net operating income to assets | 0.7314% | 3,164 |
| Return on assets (ROA) | 0.7391% | 3,217 |
| Pretax return on assets | 0.8167% | 3,371 |
| Return on Equity (ROE) | 9.1560% | 2,046 |
| Retained earnings to average equity (ytd only) | 9.1560% | 927 |
| Net charge-offs to loans | 0.0595% | 1,414 |
| Credit loss provision to net charge-offs | 329.0541% | 1,114 |
| Earnings coverage of net charge-offs (x) | 22.0923% | 1,369 |
| Efficiency ratio | 56.0075% | 4,207 |
| Assets per employee ($millions) | 17.4289% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7755% | 4,459 |
| Loan loss allowance to noncurrent loans | 307.0939% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2283% | 3,552 |
| Noncurrent loans to loans | 0.2525% | 3,587 |
| Net loans and leases to total assets | 70.2108% | 2,216 |
| Net loans and leases to deposits | 90.9828% | 1,407 |
| Net loans and leases to core deposits | 130.2864% | 260 |
| Total domestic deposits to total assets | 77.1693% | 4,332 |
| Equity capital to assets | 8.0343% | 4,963 |
| Core capital (leverage) ratio | 8.5420% | 4,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5382% | 2,915 |
| Memoranda: | ||
| Average total assets | $4,131,500,500 | 267 |
| Average earning assets | $3,938,487,000 | 258 |
| Average equity | $333,509,500 | 334 |
| Average total loans | $2,985,065,500 | 257 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9805% | 4,298 |
| Cost of funding earning assets | 2.1799% | 25 |
| Net interest margin | 1.8006% | 5,111 |
| Noninterest income to average assets | 0.4244% | 3,144 |
| Noninterest expense to average assets | 1.1196% | 5,106 |
| Loan and lease loss provision to assets | 0.1541% | 1,366 |
| Net operating income to assets | 0.7806% | 3,611 |
| Return on assets (ROA) | 0.7845% | 3,679 |
| Pretax return on assets | 0.8801% | 3,796 |
| Return on Equity (ROE) | 9.9332% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.9332% | 506 |
| Net charge-offs to loans | 0.0700% | 2,092 |
| Credit loss provision to net charge-offs | 295.0544% | 949 |
| Earnings coverage of net charge-offs (x) | 19.7151% | 1,979 |
| Efficiency ratio | 52.0860% | 4,600 |
| Assets per employee ($millions) | 17.8930% | 83 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 4,528 |
| Loan loss allowance to noncurrent loans | 324.4207% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.2147% | 3,604 |
| Noncurrent loans to loans | 0.2227% | 3,650 |
| Net loans and leases to total assets | 73.2349% | 1,883 |
| Net loans and leases to deposits | 94.0023% | 1,150 |
| Net loans and leases to core deposits | 136.3061% | 207 |
| Total domestic deposits to total assets | 77.9076% | 4,377 |
| Equity capital to assets | 8.1111% | 5,036 |
| Core capital (leverage) ratio | 8.3168% | 4,940 |
| Tier 1 risk-based capital ratio | 11.7972% | 4,475 |
| Total risk-based capital ratio | 12.5522% | 4,620 |
| Memoranda: | ||
| Average total assets | $3,870,714,400 | 272 |
| Average earning assets | $3,708,332,600 | 261 |
| Average equity | $305,712,200 | 340 |
| Average total loans | $2,887,524,600 | 260 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 4,355 |
| Cost of funding earning assets | 2.1718% | 29 |
| Net interest margin | 1.8315% | 5,197 |
| Noninterest income to average assets | 0.3870% | 3,393 |
| Noninterest expense to average assets | 1.1062% | 5,189 |
| Loan and lease loss provision to assets | 0.1922% | 929 |
| Net operating income to assets | 0.7539% | 3,842 |
| Return on assets (ROA) | 0.7596% | 3,881 |
| Pretax return on assets | 0.8493% | 4,010 |
| Return on Equity (ROE) | 9.6873% | 2,581 |
| Retained earnings to average equity (ytd only) | 9.6873% | 835 |
| Net charge-offs to loans | 0.0799% | 1,683 |
| Credit loss provision to net charge-offs | 321.3326% | 914 |
| Earnings coverage of net charge-offs (x) | 17.3051% | 2,097 |
| Efficiency ratio | 51.6619% | 4,628 |
| Assets per employee ($millions) | 18.6046% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7412% | 4,569 |
| Loan loss allowance to noncurrent loans | 374.9438% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 3,750 |
| Noncurrent loans to loans | 0.1977% | 3,828 |
| Net loans and leases to total assets | 70.9432% | 2,333 |
| Net loans and leases to deposits | 91.0488% | 1,559 |
| Net loans and leases to core deposits | 134.7683% | 245 |
| Total domestic deposits to total assets | 77.9178% | 4,360 |
| Equity capital to assets | 7.8306% | 5,160 |
| Core capital (leverage) ratio | 8.2969% | 5,031 |
| Tier 1 risk-based capital ratio | 11.8446% | 4,491 |
| Total risk-based capital ratio | 12.6164% | 4,637 |
| Memoranda: | ||
| Average total assets | $3,814,016,750 | 277 |
| Average earning assets | $3,653,218,750 | 264 |
| Average equity | $299,052,250 | 346 |
| Average total loans | $2,853,744,750 | 264 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0326% | 4,310 |
| Cost of funding earning assets | 2.1423% | 31 |
| Net interest margin | 1.8903% | 5,250 |
| Noninterest income to average assets | 0.3013% | 3,915 |
| Noninterest expense to average assets | 1.1453% | 5,233 |
| Loan and lease loss provision to assets | 0.1437% | 1,290 |
| Net operating income to assets | 0.7401% | 3,867 |
| Return on assets (ROA) | 0.7479% | 3,902 |
| Pretax return on assets | 0.8335% | 4,014 |
| Return on Equity (ROE) | 9.5340% | 2,615 |
| Retained earnings to average equity (ytd only) | 9.5340% | 898 |
| Net charge-offs to loans | 0.0420% | 2,057 |
| Credit loss provision to net charge-offs | 450.1684% | 648 |
| Earnings coverage of net charge-offs (x) | 30.3384% | 1,448 |
| Efficiency ratio | 54.1789% | 4,450 |
| Assets per employee ($millions) | 18.4020% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6901% | 4,733 |
| Loan loss allowance to noncurrent loans | 370.8875% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 3,767 |
| Noncurrent loans to loans | 0.1861% | 3,888 |
| Net loans and leases to total assets | 72.6618% | 2,123 |
| Net loans and leases to deposits | 94.0827% | 1,251 |
| Net loans and leases to core deposits | 140.8268% | 191 |
| Total domestic deposits to total assets | 77.2319% | 4,532 |
| Equity capital to assets | 7.9320% | 5,188 |
| Core capital (leverage) ratio | 8.5270% | 4,956 |
| Tier 1 risk-based capital ratio | 11.7343% | 4,550 |
| Total risk-based capital ratio | 12.4563% | 4,722 |
| Memoranda: | ||
| Average total assets | $3,721,021,670 | 284 |
| Average earning assets | $3,568,177,000 | 268 |
| Average equity | $291,901,330 | 353 |
| Average total loans | $2,829,862,670 | 265 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0489% | 4,262 |
| Cost of funding earning assets | 2.1002% | 32 |
| Net interest margin | 1.9487% | 5,317 |
| Noninterest income to average assets | 0.2537% | 4,195 |
| Noninterest expense to average assets | 1.1449% | 5,293 |
| Loan and lease loss provision to assets | 0.1426% | 1,200 |
| Net operating income to assets | 0.7416% | 3,796 |
| Return on assets (ROA) | 0.7451% | 3,836 |
| Pretax return on assets | 0.8429% | 3,938 |
| Return on Equity (ROE) | 9.5565% | 2,566 |
| Retained earnings to average equity (ytd only) | 9.5565% | 1,144 |
| Net charge-offs to loans | 0.0486% | 1,588 |
| Credit loss provision to net charge-offs | 377.9412% | 716 |
| Earnings coverage of net charge-offs (x) | 26.0059% | 1,412 |
| Efficiency ratio | 53.8421% | 4,545 |
| Assets per employee ($millions) | 17.5510% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6595% | 4,842 |
| Loan loss allowance to noncurrent loans | 548.9802% | 970 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,990 |
| Noncurrent loans to loans | 0.1201% | 4,201 |
| Net loans and leases to total assets | 77.3711% | 1,255 |
| Net loans and leases to deposits | 99.6542% | 661 |
| Net loans and leases to core deposits | 152.0388% | 115 |
| Total domestic deposits to total assets | 77.6395% | 4,573 |
| Equity capital to assets | 7.8437% | 5,215 |
| Core capital (leverage) ratio | 8.1683% | 5,153 |
| Tier 1 risk-based capital ratio | 11.4249% | 4,776 |
| Total risk-based capital ratio | 12.1494% | 4,924 |
| Memoranda: | ||
| Average total assets | $3,603,312,500 | 290 |
| Average earning assets | $3,462,971,500 | 277 |
| Average equity | $280,939,000 | 362 |
| Average total loans | $2,797,395,000 | 269 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 4,323 |
| Cost of funding earning assets | 1.7023% | 40 |
| Net interest margin | 2.1748% | 5,309 |
| Noninterest income to average assets | 0.2822% | 4,209 |
| Noninterest expense to average assets | 1.3239% | 5,293 |
| Loan and lease loss provision to assets | 0.1258% | 1,747 |
| Net operating income to assets | 0.8248% | 3,710 |
| Return on assets (ROA) | 0.8229% | 3,716 |
| Pretax return on assets | 0.9271% | 3,823 |
| Return on Equity (ROE) | 10.3257% | 2,384 |
| Retained earnings to average equity (ytd only) | 10.3257% | 563 |
| Net charge-offs to loans | 0.0401% | 2,599 |
| Credit loss provision to net charge-offs | 402.8986% | 821 |
| Earnings coverage of net charge-offs (x) | 33.7950% | 1,485 |
| Efficiency ratio | 55.6537% | 4,450 |
| Assets per employee ($millions) | 17.6043% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6537% | 4,891 |
| Loan loss allowance to noncurrent loans | 2,013.0484% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0991% | 4,331 |
| Noncurrent loans to loans | 0.0325% | 4,628 |
| Net loans and leases to total assets | 76.8683% | 1,460 |
| Net loans and leases to deposits | 100.1225% | 735 |
| Net loans and leases to core deposits | 160.0608% | 89 |
| Total domestic deposits to total assets | 76.7743% | 4,668 |
| Equity capital to assets | 7.7479% | 5,232 |
| Core capital (leverage) ratio | 8.5713% | 4,975 |
| Tier 1 risk-based capital ratio | 11.8086% | 4,563 |
| Total risk-based capital ratio | 12.5474% | 4,724 |
| Memoranda: | ||
| Average total assets | $3,094,530,000 | 313 |
| Average earning assets | $2,983,433,200 | 300 |
| Average equity | $246,626,200 | 391 |
| Average total loans | $2,406,510,000 | 293 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8819% | 4,250 |
| Cost of funding earning assets | 1.6190% | 41 |
| Net interest margin | 2.2630% | 5,365 |
| Noninterest income to average assets | 0.3035% | 4,119 |
| Noninterest expense to average assets | 1.2919% | 5,373 |
| Loan and lease loss provision to assets | 0.1075% | 1,863 |
| Net operating income to assets | 0.9403% | 3,353 |
| Return on assets (ROA) | 0.9367% | 3,368 |
| Pretax return on assets | 1.0823% | 3,462 |
| Return on Equity (ROE) | 11.6572% | 1,929 |
| Retained earnings to average equity (ytd only) | 11.6572% | 531 |
| Net charge-offs to loans | 0.0385% | 2,308 |
| Credit loss provision to net charge-offs | 358.4203% | 878 |
| Earnings coverage of net charge-offs (x) | 39.8154% | 1,364 |
| Efficiency ratio | 51.9704% | 4,814 |
| Assets per employee ($millions) | 15.6035% | 89 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 4,946 |
| Loan loss allowance to noncurrent loans | 6,525.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.1656% | 4,137 |
| Noncurrent loans to loans | 0.0102% | 4,879 |
| Net loans and leases to total assets | 78.2723% | 1,300 |
| Net loans and leases to deposits | 99.7999% | 806 |
| Net loans and leases to core deposits | 155.7914% | 103 |
| Total domestic deposits to total assets | 78.4293% | 4,414 |
| Equity capital to assets | 8.0175% | 5,169 |
| Core capital (leverage) ratio | 8.4247% | 5,129 |
| Tier 1 risk-based capital ratio | 11.7845% | 4,611 |
| Total risk-based capital ratio | 12.5239% | 4,809 |
| Memoranda: | ||
| Average total assets | $2,983,545,750 | 324 |
| Average earning assets | $2,877,152,750 | 306 |
| Average equity | $239,743,250 | 395 |
| Average total loans | $2,323,673,500 | 302 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 4,333 |
| Cost of funding earning assets | 1.5130% | 51 |
| Net interest margin | 2.2941% | 5,418 |
| Noninterest income to average assets | 0.3320% | 3,962 |
| Noninterest expense to average assets | 1.3306% | 5,423 |
| Loan and lease loss provision to assets | 0.1042% | 1,867 |
| Net operating income to assets | 0.9555% | 3,210 |
| Return on assets (ROA) | 0.9514% | 3,237 |
| Pretax return on assets | 1.1065% | 3,293 |
| Return on Equity (ROE) | 11.8298% | 1,790 |
| Retained earnings to average equity (ytd only) | 11.8298% | 545 |
| Net charge-offs to loans | 0.0384% | 2,080 |
| Credit loss provision to net charge-offs | 349.5392% | 904 |
| Earnings coverage of net charge-offs (x) | 40.7765% | 1,274 |
| Efficiency ratio | 52.2593% | 4,861 |
| Assets per employee ($millions) | 15.1053% | 99 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 4,998 |
| Loan loss allowance to noncurrent loans | 5,632.6316% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 4,131 |
| Noncurrent loans to loans | 0.0119% | 4,896 |
| Net loans and leases to total assets | 76.5485% | 1,554 |
| Net loans and leases to deposits | 96.7075% | 1,076 |
| Net loans and leases to core deposits | 139.1391% | 204 |
| Total domestic deposits to total assets | 79.1546% | 4,403 |
| Equity capital to assets | 7.8553% | 5,274 |
| Core capital (leverage) ratio | 8.6609% | 4,985 |
| Tier 1 risk-based capital ratio | 11.8098% | 4,619 |
| Total risk-based capital ratio | 12.5568% | 4,794 |
| Memoranda: | ||
| Average total assets | $2,911,821,670 | 325 |
| Average earning assets | $2,810,196,670 | 310 |
| Average equity | $234,171,670 | 399 |
| Average total loans | $2,258,093,000 | 304 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8371% | 4,117 |
| Cost of funding earning assets | 1.4641% | 50 |
| Net interest margin | 2.3730% | 5,451 |
| Noninterest income to average assets | 0.3849% | 3,568 |
| Noninterest expense to average assets | 1.3878% | 5,455 |
| Loan and lease loss provision to assets | 0.1209% | 1,560 |
| Net operating income to assets | 0.9961% | 2,871 |
| Return on assets (ROA) | 0.9904% | 2,920 |
| Pretax return on assets | 1.1595% | 2,936 |
| Return on Equity (ROE) | 12.1585% | 1,524 |
| Retained earnings to average equity (ytd only) | 12.1585% | 655 |
| Net charge-offs to loans | 0.0475% | 1,642 |
| Credit loss provision to net charge-offs | 326.9231% | 774 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 1,149 |
| Efficiency ratio | 51.8826% | 4,968 |
| Assets per employee ($millions) | 14.0169% | 123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 5,033 |
| Loan loss allowance to noncurrent loans | 2,357.5758% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 4,081 |
| Noncurrent loans to loans | 0.0296% | 4,848 |
| Net loans and leases to total assets | 77.4452% | 1,320 |
| Net loans and leases to deposits | 100.6096% | 667 |
| Net loans and leases to core deposits | 133.3089% | 291 |
| Total domestic deposits to total assets | 76.9760% | 4,855 |
| Equity capital to assets | 8.2209% | 5,167 |
| Core capital (leverage) ratio | 8.5420% | 5,119 |
| Tier 1 risk-based capital ratio | 11.9487% | 4,576 |
| Total risk-based capital ratio | 12.7180% | 4,773 |
| Memoranda: | ||
| Average total assets | $2,811,886,000 | 337 |
| Average earning assets | $2,713,541,500 | 316 |
| Average equity | $229,041,000 | 411 |
| Average total loans | $2,188,136,000 | 308 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7734% | 4,137 |
| Cost of funding earning assets | 1.2526% | 58 |
| Net interest margin | 2.5208% | 5,396 |
| Noninterest income to average assets | 0.4494% | 3,312 |
| Noninterest expense to average assets | 1.5033% | 5,476 |
| Loan and lease loss provision to assets | 0.2087% | 958 |
| Net operating income to assets | 0.7710% | 3,300 |
| Return on assets (ROA) | 0.7708% | 3,338 |
| Pretax return on assets | 1.1667% | 2,910 |
| Return on Equity (ROE) | 9.5249% | 2,091 |
| Retained earnings to average equity (ytd only) | 9.5249% | 419 |
| Net charge-offs to loans | 0.0518% | 2,764 |
| Credit loss provision to net charge-offs | 551.7554% | 585 |
| Earnings coverage of net charge-offs (x) | 36.3647% | 1,345 |
| Efficiency ratio | 52.2137% | 5,090 |
| Assets per employee ($millions) | 13.4190% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6975% | 5,080 |
| Loan loss allowance to noncurrent loans | 1,784.2670% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 4,071 |
| Noncurrent loans to loans | 0.0391% | 4,836 |
| Net loans and leases to total assets | 77.0979% | 1,411 |
| Net loans and leases to deposits | 100.6365% | 679 |
| Net loans and leases to core deposits | 132.6990% | 292 |
| Total domestic deposits to total assets | 76.6102% | 4,904 |
| Equity capital to assets | 8.0674% | 5,367 |
| Core capital (leverage) ratio | 8.4213% | 5,205 |
| Tier 1 risk-based capital ratio | 11.3951% | 4,921 |
| Total risk-based capital ratio | 12.1591% | 5,083 |
| Memoranda: | ||
| Average total assets | $2,333,892,600 | 366 |
| Average earning assets | $2,249,556,000 | 349 |
| Average equity | $188,863,800 | 460 |
| Average total loans | $1,705,002,400 | 348 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 4,206 |
| Cost of funding earning assets | 1.2141% | 62 |
| Net interest margin | 2.5275% | 5,452 |
| Noninterest income to average assets | 0.4810% | 3,147 |
| Noninterest expense to average assets | 1.5448% | 5,490 |
| Loan and lease loss provision to assets | 0.2212% | 837 |
| Net operating income to assets | 0.8244% | 3,414 |
| Return on assets (ROA) | 0.8240% | 3,453 |
| Pretax return on assets | 1.1499% | 3,117 |
| Return on Equity (ROE) | 10.1731% | 2,050 |
| Retained earnings to average equity (ytd only) | 10.1731% | 549 |
| Net charge-offs to loans | 0.0491% | 2,452 |
| Credit loss provision to net charge-offs | 629.1312% | 522 |
| Earnings coverage of net charge-offs (x) | 39.0152% | 1,328 |
| Efficiency ratio | 52.9694% | 5,013 |
| Assets per employee ($millions) | 12.8914% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 5,059 |
| Loan loss allowance to noncurrent loans | 529.1886% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 3,882 |
| Noncurrent loans to loans | 0.1388% | 4,498 |
| Net loans and leases to total assets | 72.3802% | 2,204 |
| Net loans and leases to deposits | 93.6835% | 1,333 |
| Net loans and leases to core deposits | 120.9731% | 555 |
| Total domestic deposits to total assets | 77.2603% | 4,838 |
| Equity capital to assets | 8.3103% | 5,388 |
| Core capital (leverage) ratio | 8.7821% | 4,987 |
| Tier 1 risk-based capital ratio | 11.8307% | 4,746 |
| Total risk-based capital ratio | 12.5921% | 4,936 |
| Memoranda: | ||
| Average total assets | $2,226,286,500 | 374 |
| Average earning assets | $2,145,156,000 | 358 |
| Average equity | $180,327,750 | 475 |
| Average total loans | $1,594,703,000 | 374 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7184% | 4,168 |
| Cost of funding earning assets | 1.1585% | 69 |
| Net interest margin | 2.5599% | 5,464 |
| Noninterest income to average assets | 0.4661% | 3,242 |
| Noninterest expense to average assets | 1.6028% | 5,495 |
| Loan and lease loss provision to assets | 0.2254% | 772 |
| Net operating income to assets | 0.7847% | 3,463 |
| Return on assets (ROA) | 0.7847% | 3,523 |
| Pretax return on assets | 1.1037% | 3,157 |
| Return on Equity (ROE) | 9.7943% | 2,129 |
| Retained earnings to average equity (ytd only) | 9.7943% | 624 |
| Net charge-offs to loans | 0.0194% | 2,858 |
| Credit loss provision to net charge-offs | 1,636.8056% | 255 |
| Earnings coverage of net charge-offs (x) | 96.5278% | 670 |
| Efficiency ratio | 54.6685% | 4,953 |
| Assets per employee ($millions) | 12.1306% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7629% | 5,040 |
| Loan loss allowance to noncurrent loans | 383.7696% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,790 |
| Noncurrent loans to loans | 0.1988% | 4,323 |
| Net loans and leases to total assets | 72.1806% | 2,174 |
| Net loans and leases to deposits | 98.2894% | 869 |
| Net loans and leases to core deposits | 126.6985% | 373 |
| Total domestic deposits to total assets | 73.4368% | 5,337 |
| Equity capital to assets | 7.6560% | 5,630 |
| Core capital (leverage) ratio | 8.3361% | 5,330 |
| Tier 1 risk-based capital ratio | 10.8360% | 5,331 |
| Total risk-based capital ratio | 11.6168% | 5,444 |
| Memoranda: | ||
| Average total assets | $2,091,766,670 | 396 |
| Average earning assets | $2,014,754,000 | 379 |
| Average equity | $167,587,670 | 504 |
| Average total loans | $1,487,079,330 | 393 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 4,082 |
| Cost of funding earning assets | 1.1286% | 80 |
| Net interest margin | 2.5829% | 5,483 |
| Noninterest income to average assets | 0.4390% | 3,385 |
| Noninterest expense to average assets | 1.6982% | 5,480 |
| Loan and lease loss provision to assets | 0.2124% | 765 |
| Net operating income to assets | 0.7225% | 3,607 |
| Return on assets (ROA) | 0.7225% | 3,654 |
| Pretax return on assets | 1.0189% | 3,289 |
| Return on Equity (ROE) | 8.7799% | 2,522 |
| Retained earnings to average equity (ytd only) | 8.7799% | 1,151 |
| Net charge-offs to loans | 0.0357% | 2,073 |
| Credit loss provision to net charge-offs | 848.3607% | 370 |
| Earnings coverage of net charge-offs (x) | 49.1721% | 909 |
| Efficiency ratio | 57.9696% | 4,718 |
| Assets per employee ($millions) | 10.2385% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8203% | 5,008 |
| Loan loss allowance to noncurrent loans | 348.6954% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3858% | 3,665 |
| Noncurrent loans to loans | 0.2352% | 4,269 |
| Net loans and leases to total assets | 70.2301% | 2,337 |
| Net loans and leases to deposits | 90.7673% | 1,453 |
| Net loans and leases to core deposits | 110.9753% | 833 |
| Total domestic deposits to total assets | 77.3738% | 5,058 |
| Equity capital to assets | 7.9433% | 5,543 |
| Core capital (leverage) ratio | 8.6905% | 5,058 |
| Tier 1 risk-based capital ratio | 11.2699% | 5,155 |
| Total risk-based capital ratio | 12.0764% | 5,317 |
| Memoranda: | ||
| Average total assets | $1,948,852,000 | 422 |
| Average earning assets | $1,879,146,000 | 400 |
| Average equity | $160,367,000 | 518 |
| Average total loans | $1,365,941,000 | 418 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7367% | 4,104 |
| Cost of funding earning assets | 1.1281% | 80 |
| Net interest margin | 2.6086% | 5,508 |
| Noninterest income to average assets | 0.8616% | 1,533 |
| Noninterest expense to average assets | 1.8300% | 5,446 |
| Loan and lease loss provision to assets | 0.2652% | 766 |
| Net operating income to assets | 0.8594% | 3,030 |
| Return on assets (ROA) | 0.8666% | 3,107 |
| Pretax return on assets | 1.3036% | 2,271 |
| Return on Equity (ROE) | 10.5839% | 1,739 |
| Retained earnings to average equity (ytd only) | 10.5839% | 350 |
| Net charge-offs to loans | 0.1479% | 1,785 |
| Credit loss provision to net charge-offs | 254.7059% | 1,132 |
| Earnings coverage of net charge-offs (x) | 14.9624% | 2,246 |
| Efficiency ratio | 54.0136% | 5,241 |
| Assets per employee ($millions) | 9.6355% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 4,941 |
| Loan loss allowance to noncurrent loans | 1,013.9428% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 4,060 |
| Noncurrent loans to loans | 0.0845% | 4,907 |
| Net loans and leases to total assets | 68.6974% | 2,666 |
| Net loans and leases to deposits | 85.1683% | 2,283 |
| Net loans and leases to core deposits | 105.0085% | 1,205 |
| Total domestic deposits to total assets | 80.6608% | 4,420 |
| Equity capital to assets | 8.5448% | 5,239 |
| Core capital (leverage) ratio | 8.8878% | 4,869 |
| Tier 1 risk-based capital ratio | 11.8813% | 4,806 |
| Total risk-based capital ratio | 12.6837% | 4,994 |
| Memoranda: | ||
| Average total assets | $1,632,577,200 | 471 |
| Average earning assets | $1,581,139,400 | 445 |
| Average equity | $133,674,800 | 594 |
| Average total loans | $1,149,193,800 | 454 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6813% | 4,315 |
| Cost of funding earning assets | 1.0986% | 97 |
| Net interest margin | 2.5827% | 5,601 |
| Noninterest income to average assets | 0.9429% | 1,270 |
| Noninterest expense to average assets | 1.8689% | 5,430 |
| Loan and lease loss provision to assets | 0.3442% | 465 |
| Net operating income to assets | 0.8126% | 3,308 |
| Return on assets (ROA) | 0.8224% | 3,405 |
| Pretax return on assets | 1.2502% | 2,620 |
| Return on Equity (ROE) | 10.1743% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.1743% | 544 |
| Net charge-offs to loans | 0.2227% | 1,052 |
| Credit loss provision to net charge-offs | 218.5622% | 1,346 |
| Earnings coverage of net charge-offs (x) | 10.0300% | 2,619 |
| Efficiency ratio | 54.1967% | 5,226 |
| Assets per employee ($millions) | 9.5338% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8549% | 5,020 |
| Loan loss allowance to noncurrent loans | 932.1271% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 4,162 |
| Noncurrent loans to loans | 0.0917% | 4,979 |
| Net loans and leases to total assets | 67.2634% | 2,910 |
| Net loans and leases to deposits | 81.0680% | 2,843 |
| Net loans and leases to core deposits | 100.9872% | 1,551 |
| Total domestic deposits to total assets | 82.9716% | 3,611 |
| Equity capital to assets | 8.4405% | 5,564 |
| Core capital (leverage) ratio | 8.5879% | 5,277 |
| Tier 1 risk-based capital ratio | 11.3618% | 5,173 |
| Total risk-based capital ratio | 12.1730% | 5,328 |
| Memoranda: | ||
| Average total assets | $1,578,219,000 | 481 |
| Average earning assets | $1,530,999,250 | 455 |
| Average equity | $127,573,500 | 632 |
| Average total loans | $1,116,019,750 | 464 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6845% | 4,343 |
| Cost of funding earning assets | 1.0629% | 107 |
| Net interest margin | 2.6216% | 5,647 |
| Noninterest income to average assets | 0.8410% | 1,580 |
| Noninterest expense to average assets | 1.8859% | 5,481 |
| Loan and lease loss provision to assets | 0.2498% | 773 |
| Net operating income to assets | 0.8173% | 3,232 |
| Return on assets (ROA) | 0.8327% | 3,297 |
| Pretax return on assets | 1.2718% | 2,514 |
| Return on Equity (ROE) | 10.4892% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.4892% | 506 |
| Net charge-offs to loans | 0.0381% | 2,697 |
| Credit loss provision to net charge-offs | 912.1951% | 403 |
| Earnings coverage of net charge-offs (x) | 54.7024% | 933 |
| Efficiency ratio | 55.7336% | 5,169 |
| Assets per employee ($millions) | 9.6029% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 5,087 |
| Loan loss allowance to noncurrent loans | 177.6201% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 3,230 |
| Noncurrent loans to loans | 0.4861% | 3,631 |
| Net loans and leases to total assets | 67.6649% | 2,830 |
| Net loans and leases to deposits | 82.2933% | 2,674 |
| Net loans and leases to core deposits | 97.6274% | 1,841 |
| Total domestic deposits to total assets | 82.2241% | 3,929 |
| Equity capital to assets | 8.0320% | 5,799 |
| Core capital (leverage) ratio | 8.1455% | 5,637 |
| Tier 1 risk-based capital ratio | 10.7498% | 5,553 |
| Total risk-based capital ratio | 11.5822% | 5,662 |
| Memoranda: | ||
| Average total assets | $1,497,304,330 | 510 |
| Average earning assets | $1,452,305,330 | 477 |
| Average equity | $118,865,000 | 672 |
| Average total loans | $1,076,225,330 | 474 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,070 |
| Cost of funding earning assets | 0.9767% | 197 |
| Net interest margin | 2.7911% | 5,479 |
| Noninterest income to average assets | 0.7547% | 1,804 |
| Noninterest expense to average assets | 1.8961% | 5,527 |
| Loan and lease loss provision to assets | 0.2710% | 623 |
| Net operating income to assets | 0.8372% | 3,048 |
| Return on assets (ROA) | 0.8372% | 3,182 |
| Pretax return on assets | 1.2910% | 2,345 |
| Return on Equity (ROE) | 10.6219% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.6219% | 717 |
| Net charge-offs to loans | 0.0298% | 2,355 |
| Credit loss provision to net charge-offs | 1,228.5714% | 328 |
| Earnings coverage of net charge-offs (x) | 70.8052% | 687 |
| Efficiency ratio | 54.8302% | 5,298 |
| Assets per employee ($millions) | 9.3550% | 350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 5,192 |
| Loan loss allowance to noncurrent loans | 2,512.2616% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.3184% | 4,296 |
| Noncurrent loans to loans | 0.0342% | 5,357 |
| Net loans and leases to total assets | 69.8396% | 2,371 |
| Net loans and leases to deposits | 85.2985% | 2,151 |
| Net loans and leases to core deposits | 99.8429% | 1,495 |
| Total domestic deposits to total assets | 81.8767% | 4,261 |
| Equity capital to assets | 7.3547% | 5,969 |
| Core capital (leverage) ratio | 7.9829% | 5,778 |
| Tier 1 risk-based capital ratio | 9.8010% | 5,948 |
| Total risk-based capital ratio | 10.6427% | 6,001 |
| Memoranda: | ||
| Average total assets | $1,396,100,000 | 539 |
| Average earning assets | $1,352,305,500 | 511 |
| Average equity | $110,037,000 | 734 |
| Average total loans | $1,034,275,500 | 487 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 3,698 |
| Cost of funding earning assets | 0.9576% | 214 |
| Net interest margin | 2.9448% | 5,262 |
| Noninterest income to average assets | 0.9706% | 1,257 |
| Noninterest expense to average assets | 2.1861% | 5,069 |
| Loan and lease loss provision to assets | 0.1758% | 1,293 |
| Net operating income to assets | 0.9473% | 2,629 |
| Return on assets (ROA) | 0.9473% | 2,704 |
| Pretax return on assets | 1.4486% | 1,727 |
| Return on Equity (ROE) | 11.0380% | 1,599 |
| Retained earnings to average equity (ytd only) | 11.0380% | 341 |
| Net charge-offs to loans | -0.0700% | 5,671 |
| Credit loss provision to net charge-offs | -321.6529% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3697% | 5,215 |
| Assets per employee ($millions) | 8.3378% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 5,300 |
| Loan loss allowance to noncurrent loans | 5,000.5988% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 4,123 |
| Noncurrent loans to loans | 0.0168% | 5,457 |
| Net loans and leases to total assets | 77.8027% | 1,147 |
| Net loans and leases to deposits | 102.4002% | 524 |
| Net loans and leases to core deposits | 115.0114% | 637 |
| Total domestic deposits to total assets | 75.9790% | 5,443 |
| Equity capital to assets | 8.5159% | 5,553 |
| Core capital (leverage) ratio | 8.5890% | 5,340 |
| Tier 1 risk-based capital ratio | 10.4976% | 5,776 |
| Total risk-based capital ratio | 11.3370% | 5,859 |
| Memoranda: | ||
| Average total assets | $1,107,100,600 | 635 |
| Average earning assets | $1,067,659,800 | 600 |
| Average equity | $95,017,400 | 800 |
| Average total loans | $864,247,200 | 547 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8921% | 3,760 |
| Cost of funding earning assets | 0.9627% | 209 |
| Net interest margin | 2.9295% | 5,357 |
| Noninterest income to average assets | 1.0622% | 1,062 |
| Noninterest expense to average assets | 2.2618% | 4,882 |
| Loan and lease loss provision to assets | 0.1499% | 1,452 |
| Net operating income to assets | 0.9641% | 2,647 |
| Return on assets (ROA) | 0.9641% | 2,737 |
| Pretax return on assets | 1.4738% | 1,754 |
| Return on Equity (ROE) | 11.2078% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.2078% | 445 |
| Net charge-offs to loans | -0.1076% | 5,810 |
| Credit loss provision to net charge-offs | -178.8376% | 5,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2101% | 5,098 |
| Assets per employee ($millions) | 7.5598% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 5,391 |
| Loan loss allowance to noncurrent loans | 3,705.7971% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 4,162 |
| Noncurrent loans to loans | 0.0228% | 5,543 |
| Net loans and leases to total assets | 77.3646% | 1,198 |
| Net loans and leases to deposits | 99.1916% | 713 |
| Net loans and leases to core deposits | 109.7387% | 891 |
| Total domestic deposits to total assets | 77.9951% | 5,183 |
| Equity capital to assets | 8.2284% | 5,857 |
| Core capital (leverage) ratio | 8.1909% | 5,781 |
| Tier 1 risk-based capital ratio | 9.9841% | 6,046 |
| Total risk-based capital ratio | 10.8210% | 6,106 |
| Memoranda: | ||
| Average total assets | $1,067,040,250 | 663 |
| Average earning assets | $1,028,371,500 | 632 |
| Average equity | $91,790,500 | 832 |
| Average total loans | $831,714,750 | 565 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 3,698 |
| Cost of funding earning assets | 0.9655% | 204 |
| Net interest margin | 2.9334% | 5,376 |
| Noninterest income to average assets | 1.1658% | 885 |
| Noninterest expense to average assets | 2.3351% | 4,759 |
| Loan and lease loss provision to assets | 0.1442% | 1,496 |
| Net operating income to assets | 0.9882% | 2,449 |
| Return on assets (ROA) | 0.9882% | 2,563 |
| Pretax return on assets | 1.5120% | 1,614 |
| Return on Equity (ROE) | 11.3028% | 1,590 |
| Retained earnings to average equity (ytd only) | 11.3028% | 470 |
| Net charge-offs to loans | -0.1307% | 5,877 |
| Credit loss provision to net charge-offs | -141.5560% | 4,955 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5045% | 5,165 |
| Assets per employee ($millions) | 7.1123% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8340% | 5,510 |
| Loan loss allowance to noncurrent loans | 3,762.2340% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 4,219 |
| Noncurrent loans to loans | 0.0222% | 5,672 |
| Net loans and leases to total assets | 76.2916% | 1,328 |
| Net loans and leases to deposits | 97.3739% | 848 |
| Net loans and leases to core deposits | 106.0286% | 1,069 |
| Total domestic deposits to total assets | 78.3491% | 5,207 |
| Equity capital to assets | 8.3717% | 5,780 |
| Core capital (leverage) ratio | 8.2426% | 5,751 |
| Tier 1 risk-based capital ratio | 10.2654% | 6,010 |
| Total risk-based capital ratio | 11.0828% | 6,086 |
| Memoranda: | ||
| Average total assets | $1,034,653,000 | 681 |
| Average earning assets | $996,602,000 | 652 |
| Average equity | $90,455,670 | 849 |
| Average total loans | $806,169,330 | 578 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8347% | 3,876 |
| Cost of funding earning assets | 0.9681% | 205 |
| Net interest margin | 2.8666% | 5,515 |
| Noninterest income to average assets | 1.3370% | 644 |
| Noninterest expense to average assets | 2.3770% | 4,665 |
| Loan and lease loss provision to assets | 0.1767% | 1,096 |
| Net operating income to assets | 0.9900% | 2,309 |
| Return on assets (ROA) | 0.9900% | 2,438 |
| Pretax return on assets | 1.5444% | 1,411 |
| Return on Equity (ROE) | 11.0656% | 1,614 |
| Retained earnings to average equity (ytd only) | 11.0656% | 708 |
| Net charge-offs to loans | -0.0693% | 5,690 |
| Credit loss provision to net charge-offs | -325.0000% | 4,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0025% | 5,337 |
| Assets per employee ($millions) | 6.8883% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7980% | 5,694 |
| Loan loss allowance to noncurrent loans | 2,592.6829% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 4,200 |
| Noncurrent loans to loans | 0.0308% | 5,674 |
| Net loans and leases to total assets | 76.7393% | 1,093 |
| Net loans and leases to deposits | 95.4798% | 868 |
| Net loans and leases to core deposits | 102.7134% | 1,130 |
| Total domestic deposits to total assets | 80.3724% | 4,966 |
| Equity capital to assets | 8.8216% | 5,485 |
| Core capital (leverage) ratio | 8.7074% | 5,317 |
| Tier 1 risk-based capital ratio | 10.9778% | 5,816 |
| Total risk-based capital ratio | 11.7927% | 5,934 |
| Memoranda: | ||
| Average total assets | $1,000,777,000 | 692 |
| Average earning assets | $963,928,500 | 664 |
| Average equity | $89,538,500 | 861 |
| Average total loans | $785,196,500 | 592 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 4,725 |
| Cost of funding earning assets | 1.0175% | 215 |
| Net interest margin | 2.7015% | 5,935 |
| Noninterest income to average assets | 0.8279% | 1,764 |
| Noninterest expense to average assets | 2.4804% | 4,611 |
| Loan and lease loss provision to assets | 0.0396% | 3,784 |
| Net operating income to assets | 0.5934% | 4,404 |
| Return on assets (ROA) | 0.6338% | 4,319 |
| Pretax return on assets | 0.9608% | 3,644 |
| Return on Equity (ROE) | 7.0059% | 3,632 |
| Retained earnings to average equity (ytd only) | 7.0059% | 1,411 |
| Net charge-offs to loans | -0.0039% | 5,434 |
| Credit loss provision to net charge-offs | -1,396.0000% | 5,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5339% | 3,118 |
| Assets per employee ($millions) | 6.7714% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 5,877 |
| Loan loss allowance to noncurrent loans | 1,959.4595% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.4941% | 4,152 |
| Noncurrent loans to loans | 0.0384% | 5,727 |
| Net loans and leases to total assets | 79.0357% | 883 |
| Net loans and leases to deposits | 99.5633% | 646 |
| Net loans and leases to core deposits | 107.5340% | 927 |
| Total domestic deposits to total assets | 79.3824% | 5,168 |
| Equity capital to assets | 9.0806% | 5,201 |
| Core capital (leverage) ratio | 8.9405% | 5,078 |
| Tier 1 risk-based capital ratio | 11.3825% | 5,727 |
| Total risk-based capital ratio | 12.1743% | 5,868 |
| Memoranda: | ||
| Average total assets | $881,354,400 | 757 |
| Average earning assets | $845,530,000 | 723 |
| Average equity | $79,732,600 | 918 |
| Average total loans | $648,608,200 | 669 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6829% | 4,909 |
| Cost of funding earning assets | 1.0414% | 202 |
| Net interest margin | 2.6415% | 6,082 |
| Noninterest income to average assets | 0.7834% | 1,953 |
| Noninterest expense to average assets | 2.5253% | 4,448 |
| Loan and lease loss provision to assets | -0.0059% | 6,079 |
| Net operating income to assets | 0.5268% | 4,770 |
| Return on assets (ROA) | 0.5820% | 4,614 |
| Pretax return on assets | 0.8801% | 4,076 |
| Return on Equity (ROE) | 6.4396% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.4396% | 2,143 |
| Net charge-offs to loans | -0.0164% | 5,558 |
| Credit loss provision to net charge-offs | 50.0000% | 3,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1577% | 2,468 |
| Assets per employee ($millions) | 6.7018% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7511% | 5,992 |
| Loan loss allowance to noncurrent loans | 1,366.0000% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 4,267 |
| Noncurrent loans to loans | 0.0550% | 5,796 |
| Net loans and leases to total assets | 78.0689% | 950 |
| Net loans and leases to deposits | 95.7872% | 900 |
| Net loans and leases to core deposits | 105.0767% | 1,019 |
| Total domestic deposits to total assets | 81.5025% | 4,657 |
| Equity capital to assets | 8.6838% | 5,652 |
| Core capital (leverage) ratio | 8.8704% | 5,234 |
| Tier 1 risk-based capital ratio | 11.1486% | 5,932 |
| Total risk-based capital ratio | 11.9448% | 6,085 |
| Memoranda: | ||
| Average total assets | $859,615,000 | 785 |
| Average earning assets | $824,117,750 | 741 |
| Average equity | $77,683,500 | 943 |
| Average total loans | $617,982,250 | 702 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,934 |
| Cost of funding earning assets | 1.0585% | 188 |
| Net interest margin | 2.6157% | 6,152 |
| Noninterest income to average assets | 0.7008% | 2,275 |
| Noninterest expense to average assets | 2.5262% | 4,493 |
| Loan and lease loss provision to assets | 0.0177% | 3,907 |
| Net operating income to assets | 0.4406% | 5,055 |
| Return on assets (ROA) | 0.5180% | 4,831 |
| Pretax return on assets | 0.7760% | 4,359 |
| Return on Equity (ROE) | 5.6505% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.6505% | 2,546 |
| Net charge-offs to loans | 0.1238% | 2,435 |
| Credit loss provision to net charge-offs | 20.5556% | 3,193 |
| Earnings coverage of net charge-offs (x) | 7.8917% | 2,565 |
| Efficiency ratio | 78.8364% | 2,188 |
| Assets per employee ($millions) | 6.6638% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 6,019 |
| Loan loss allowance to noncurrent loans | 436.7035% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 3,972 |
| Noncurrent loans to loans | 0.1791% | 5,473 |
| Net loans and leases to total assets | 75.2643% | 1,272 |
| Net loans and leases to deposits | 85.7169% | 1,850 |
| Net loans and leases to core deposits | 93.3640% | 1,832 |
| Total domestic deposits to total assets | 87.8057% | 2,032 |
| Equity capital to assets | 9.1815% | 5,126 |
| Core capital (leverage) ratio | 8.7195% | 5,372 |
| Tier 1 risk-based capital ratio | 11.7196% | 5,683 |
| Total risk-based capital ratio | 12.5253% | 5,861 |
| Memoranda: | ||
| Average total assets | $837,871,000 | 808 |
| Average earning assets | $801,926,670 | 763 |
| Average equity | $76,807,330 | 951 |
| Average total loans | $581,482,330 | 753 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5975% | 5,175 |
| Cost of funding earning assets | 1.0611% | 200 |
| Net interest margin | 2.5365% | 6,306 |
| Noninterest income to average assets | 0.6318% | 2,556 |
| Noninterest expense to average assets | 2.5588% | 4,417 |
| Loan and lease loss provision to assets | 0.0714% | 2,715 |
| Net operating income to assets | 0.3011% | 5,490 |
| Return on assets (ROA) | 0.4249% | 5,088 |
| Pretax return on assets | 0.5988% | 4,835 |
| Return on Equity (ROE) | 4.6394% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.6394% | 3,334 |
| Net charge-offs to loans | 0.1361% | 1,894 |
| Credit loss provision to net charge-offs | 79.4595% | 1,904 |
| Earnings coverage of net charge-offs (x) | 5.5189% | 2,364 |
| Efficiency ratio | 83.7679% | 1,701 |
| Assets per employee ($millions) | 6.2699% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9734% | 5,623 |
| Loan loss allowance to noncurrent loans | 397.9321% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.8069% | 3,723 |
| Noncurrent loans to loans | 0.2446% | 5,372 |
| Net loans and leases to total assets | 64.7577% | 2,766 |
| Net loans and leases to deposits | 73.5933% | 3,116 |
| Net loans and leases to core deposits | 79.3704% | 3,050 |
| Total domestic deposits to total assets | 87.9940% | 2,239 |
| Equity capital to assets | 8.9899% | 5,127 |
| Core capital (leverage) ratio | 8.9978% | 5,015 |
| Tier 1 risk-based capital ratio | 12.5286% | 5,296 |
| Total risk-based capital ratio | 13.4486% | 5,441 |
| Memoranda: | ||
| Average total assets | $823,656,500 | 831 |
| Average earning assets | $786,759,500 | 787 |
| Average equity | $75,441,500 | 974 |
| Average total loans | $543,646,000 | 806 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8910% | 4,493 |
| Cost of funding earning assets | 1.2006% | 176 |
| Net interest margin | 2.6904% | 6,153 |
| Noninterest income to average assets | 1.4581% | 654 |
| Noninterest expense to average assets | 2.8023% | 3,715 |
| Loan and lease loss provision to assets | 0.0466% | 4,194 |
| Net operating income to assets | 0.8452% | 3,066 |
| Return on assets (ROA) | 0.8335% | 3,199 |
| Pretax return on assets | 1.1441% | 2,791 |
| Return on Equity (ROE) | 9.0930% | 2,492 |
| Retained earnings to average equity (ytd only) | 7.9174% | 1,084 |
| Net charge-offs to loans | 0.1622% | 3,192 |
| Credit loss provision to net charge-offs | 44.3228% | 3,954 |
| Earnings coverage of net charge-offs (x) | 11.4897% | 2,235 |
| Efficiency ratio | 69.8993% | 3,851 |
| Assets per employee ($millions) | 6.1605% | 1,166 |
| Cash dividends to net income (ytd only)* | 12.9288% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 5,479 |
| Loan loss allowance to noncurrent loans | 292.8225% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 3,694 |
| Noncurrent loans to loans | 0.3472% | 5,146 |
| Net loans and leases to total assets | 65.9709% | 2,696 |
| Net loans and leases to deposits | 76.4513% | 2,920 |
| Net loans and leases to core deposits | 82.2106% | 2,873 |
| Total domestic deposits to total assets | 86.2914% | 3,118 |
| Equity capital to assets | 9.3385% | 4,639 |
| Core capital (leverage) ratio | 9.5533% | 4,187 |
| Tier 1 risk-based capital ratio | 12.7958% | 5,117 |
| Total risk-based capital ratio | 13.7544% | 5,241 |
| Memoranda: | ||
| Average total assets | $695,989,000 | 950 |
| Average earning assets | $659,935,400 | 912 |
| Average equity | $63,796,200 | 1,122 |
| Average total loans | $450,734,600 | 948 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8960% | 4,514 |
| Cost of funding earning assets | 1.2326% | 170 |
| Net interest margin | 2.6635% | 6,229 |
| Noninterest income to average assets | 1.7588% | 503 |
| Noninterest expense to average assets | 2.8692% | 3,412 |
| Loan and lease loss provision to assets | 0.0201% | 4,598 |
| Net operating income to assets | 0.9863% | 2,438 |
| Return on assets (ROA) | 0.9697% | 2,605 |
| Pretax return on assets | 1.3676% | 2,046 |
| Return on Equity (ROE) | 10.6384% | 1,946 |
| Retained earnings to average equity (ytd only) | 9.0003% | 1,054 |
| Net charge-offs to loans | 0.1473% | 3,069 |
| Credit loss provision to net charge-offs | 21.2632% | 4,055 |
| Earnings coverage of net charge-offs (x) | 14.9241% | 1,903 |
| Efficiency ratio | 67.0310% | 4,299 |
| Assets per employee ($millions) | 5.8511% | 1,340 |
| Cash dividends to net income (ytd only)* | 15.3973% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 4,957 |
| Loan loss allowance to noncurrent loans | 204.9174% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 1.2002% | 3,250 |
| Noncurrent loans to loans | 0.5767% | 4,761 |
| Net loans and leases to total assets | 61.9178% | 3,378 |
| Net loans and leases to deposits | 71.4219% | 3,583 |
| Net loans and leases to core deposits | 77.4740% | 3,429 |
| Total domestic deposits to total assets | 86.6931% | 2,860 |
| Equity capital to assets | 8.3214% | 5,900 |
| Core capital (leverage) ratio | 8.3576% | 5,907 |
| Tier 1 risk-based capital ratio | 10.7018% | 6,391 |
| Total risk-based capital ratio | 11.7037% | 6,438 |
| Memoranda: | ||
| Average total assets | $669,768,750 | 998 |
| Average earning assets | $634,098,750 | 962 |
| Average equity | $61,048,000 | 1,187 |
| Average total loans | $429,976,500 | 994 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 4,339 |
| Cost of funding earning assets | 1.2608% | 168 |
| Net interest margin | 2.6735% | 6,221 |
| Noninterest income to average assets | 2.1950% | 392 |
| Noninterest expense to average assets | 2.9032% | 3,320 |
| Loan and lease loss provision to assets | 0.0488% | 4,005 |
| Net operating income to assets | 1.2401% | 1,489 |
| Return on assets (ROA) | 1.1936% | 1,719 |
| Pretax return on assets | 1.7050% | 1,103 |
| Return on Equity (ROE) | 12.6764% | 1,320 |
| Retained earnings to average equity (ytd only) | 10.2153% | 801 |
| Net charge-offs to loans | 0.2213% | 2,417 |
| Credit loss provision to net charge-offs | 34.0517% | 3,519 |
| Earnings coverage of net charge-offs (x) | 12.6961% | 1,962 |
| Efficiency ratio | 61.4640% | 5,248 |
| Assets per employee ($millions) | 5.6041% | 1,495 |
| Cash dividends to net income (ytd only)* | 19.4150% | 3,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3396% | 4,315 |
| Loan loss allowance to noncurrent loans | 188.1212% | 2,088 |
| Noncurrent assets plus other real estate owned to assets | 1.3641% | 3,059 |
| Noncurrent loans to loans | 0.7121% | 4,506 |
| Net loans and leases to total assets | 62.0846% | 3,271 |
| Net loans and leases to deposits | 72.1456% | 3,427 |
| Net loans and leases to core deposits | 79.1361% | 3,145 |
| Total domestic deposits to total assets | 86.0545% | 3,335 |
| Equity capital to assets | 9.1890% | 5,006 |
| Core capital (leverage) ratio | 9.0009% | 4,986 |
| Tier 1 risk-based capital ratio | 11.7961% | 5,916 |
| Total risk-based capital ratio | 12.9371% | 5,954 |
| Memoranda: | ||
| Average total assets | $647,278,330 | 1,039 |
| Average earning assets | $612,154,000 | 1,006 |
| Average equity | $60,947,670 | 1,193 |
| Average total loans | $419,321,330 | 1,017 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8337% | 4,707 |
| Cost of funding earning assets | 1.2707% | 175 |
| Net interest margin | 2.5630% | 6,421 |
| Noninterest income to average assets | 2.0458% | 425 |
| Noninterest expense to average assets | 2.5813% | 4,464 |
| Loan and lease loss provision to assets | 0.0833% | 3,260 |
| Net operating income to assets | 1.2591% | 1,376 |
| Return on assets (ROA) | 1.1638% | 1,736 |
| Pretax return on assets | 1.6738% | 1,146 |
| Return on Equity (ROE) | 12.2095% | 1,364 |
| Retained earnings to average equity (ytd only) | 10.5781% | 968 |
| Net charge-offs to loans | 0.2072% | 2,177 |
| Credit loss provision to net charge-offs | 61.1872% | 2,427 |
| Earnings coverage of net charge-offs (x) | 13.8995% | 1,491 |
| Efficiency ratio | 57.6870% | 5,888 |
| Assets per employee ($millions) | 5.7024% | 1,480 |
| Cash dividends to net income (ytd only)* | 13.3618% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3558% | 4,439 |
| Loan loss allowance to noncurrent loans | 152.3860% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.4074% | 3,162 |
| Noncurrent loans to loans | 0.8897% | 4,358 |
| Net loans and leases to total assets | 64.3340% | 2,642 |
| Net loans and leases to deposits | 76.4530% | 2,561 |
| Net loans and leases to core deposits | 83.0660% | 2,451 |
| Total domestic deposits to total assets | 84.1484% | 4,412 |
| Equity capital to assets | 9.5452% | 4,788 |
| Core capital (leverage) ratio | 8.9242% | 5,019 |
| Tier 1 risk-based capital ratio | 12.0314% | 5,896 |
| Total risk-based capital ratio | 13.2780% | 5,857 |
| Memoranda: | ||
| Average total assets | $643,080,000 | 1,056 |
| Average earning assets | $609,431,000 | 1,020 |
| Average equity | $61,296,500 | 1,201 |
| Average total loans | $422,682,000 | 1,012 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1562% | 4,749 |
| Cost of funding earning assets | 1.4549% | 201 |
| Net interest margin | 2.7013% | 6,515 |
| Noninterest income to average assets | 1.8968% | 468 |
| Noninterest expense to average assets | 2.6272% | 4,655 |
| Loan and lease loss provision to assets | 0.4627% | 1,354 |
| Net operating income to assets | 1.0056% | 2,312 |
| Return on assets (ROA) | 0.9814% | 2,643 |
| Pretax return on assets | 1.3440% | 2,233 |
| Return on Equity (ROE) | 10.5441% | 1,955 |
| Retained earnings to average equity (ytd only) | 10.1083% | 579 |
| Net charge-offs to loans | 0.6825% | 1,729 |
| Credit loss provision to net charge-offs | 106.6168% | 2,788 |
| Earnings coverage of net charge-offs (x) | 4.2393% | 3,430 |
| Efficiency ratio | 58.8131% | 5,724 |
| Assets per employee ($millions) | 6.5576% | 978 |
| Cash dividends to net income (ytd only)* | 4.1329% | 4,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 4,245 |
| Loan loss allowance to noncurrent loans | 133.2648% | 2,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3929% | 3,311 |
| Noncurrent loans to loans | 1.0387% | 4,134 |
| Net loans and leases to total assets | 65.3315% | 2,646 |
| Net loans and leases to deposits | 78.1907% | 2,499 |
| Net loans and leases to core deposits | 85.1805% | 2,407 |
| Total domestic deposits to total assets | 83.5540% | 4,517 |
| Equity capital to assets | 9.5179% | 4,850 |
| Core capital (leverage) ratio | 8.7674% | 5,232 |
| Tier 1 risk-based capital ratio | 12.0290% | 5,770 |
| Total risk-based capital ratio | 13.2850% | 5,721 |
| Memoranda: | ||
| Average total assets | $616,364,400 | 1,079 |
| Average earning assets | $586,449,800 | 1,031 |
| Average equity | $57,368,600 | 1,239 |
| Average total loans | $391,943,000 | 1,069 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1760% | 4,903 |
| Cost of funding earning assets | 1.4860% | 217 |
| Net interest margin | 2.6900% | 6,656 |
| Noninterest income to average assets | 1.6935% | 540 |
| Noninterest expense to average assets | 2.5184% | 5,018 |
| Loan and lease loss provision to assets | 0.4595% | 1,353 |
| Net operating income to assets | 0.9422% | 2,786 |
| Return on assets (ROA) | 0.9172% | 3,120 |
| Pretax return on assets | 1.2449% | 2,804 |
| Return on Equity (ROE) | 9.9122% | 2,384 |
| Retained earnings to average equity (ytd only) | 9.9122% | 941 |
| Net charge-offs to loans | 0.4725% | 2,205 |
| Credit loss provision to net charge-offs | 154.5855% | 1,822 |
| Earnings coverage of net charge-offs (x) | 5.8481% | 2,914 |
| Efficiency ratio | 59.1650% | 5,634 |
| Assets per employee ($millions) | 6.6039% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5582% | 3,697 |
| Loan loss allowance to noncurrent loans | 71.3887% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 1.6676% | 3,079 |
| Noncurrent loans to loans | 2.1827% | 2,642 |
| Net loans and leases to total assets | 64.4493% | 2,945 |
| Net loans and leases to deposits | 77.2038% | 2,770 |
| Net loans and leases to core deposits | 84.0446% | 2,691 |
| Total domestic deposits to total assets | 83.4795% | 4,446 |
| Equity capital to assets | 9.4856% | 5,223 |
| Core capital (leverage) ratio | 8.5185% | 5,724 |
| Tier 1 risk-based capital ratio | 9.7736% | 6,850 |
| Total risk-based capital ratio | 10.9723% | 6,852 |
| Memoranda: | ||
| Average total assets | $611,433,750 | 1,092 |
| Average earning assets | $582,589,750 | 1,042 |
| Average equity | $56,575,250 | 1,262 |
| Average total loans | $384,579,250 | 1,099 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 4,843 |
| Cost of funding earning assets | 1.4975% | 240 |
| Net interest margin | 2.7336% | 6,669 |
| Noninterest income to average assets | 1.3816% | 756 |
| Noninterest expense to average assets | 2.4817% | 5,201 |
| Loan and lease loss provision to assets | 0.3742% | 1,748 |
| Net operating income to assets | 0.8445% | 3,171 |
| Return on assets (ROA) | 0.8338% | 3,487 |
| Pretax return on assets | 1.1159% | 3,248 |
| Return on Equity (ROE) | 9.0904% | 2,778 |
| Retained earnings to average equity (ytd only) | 9.0904% | 1,243 |
| Net charge-offs to loans | 0.5656% | 1,899 |
| Credit loss provision to net charge-offs | 106.6792% | 2,552 |
| Earnings coverage of net charge-offs (x) | 4.2888% | 3,125 |
| Efficiency ratio | 62.2599% | 5,204 |
| Assets per employee ($millions) | 7.5142% | 582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 4,016 |
| Loan loss allowance to noncurrent loans | 68.1380% | 4,286 |
| Noncurrent assets plus other real estate owned to assets | 1.6610% | 3,228 |
| Noncurrent loans to loans | 2.1988% | 2,719 |
| Net loans and leases to total assets | 60.3729% | 3,753 |
| Net loans and leases to deposits | 71.9755% | 3,613 |
| Net loans and leases to core deposits | 78.2485% | 3,477 |
| Total domestic deposits to total assets | 83.8798% | 4,357 |
| Equity capital to assets | 9.1446% | 5,534 |
| Core capital (leverage) ratio | 8.3448% | 5,855 |
| Tier 1 risk-based capital ratio | 10.2525% | 6,763 |
| Total risk-based capital ratio | 11.4144% | 6,765 |
| Memoranda: | ||
| Average total assets | $606,121,000 | 1,101 |
| Average earning assets | $577,478,330 | 1,049 |
| Average equity | $55,597,000 | 1,281 |
| Average total loans | $375,860,000 | 1,122 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3289% | 4,616 |
| Cost of funding earning assets | 1.5177% | 265 |
| Net interest margin | 2.8112% | 6,622 |
| Noninterest income to average assets | 1.2911% | 852 |
| Noninterest expense to average assets | 2.5379% | 5,029 |
| Loan and lease loss provision to assets | 0.3817% | 1,652 |
| Net operating income to assets | 0.7868% | 3,439 |
| Return on assets (ROA) | 0.8069% | 3,584 |
| Pretax return on assets | 1.0774% | 3,407 |
| Return on Equity (ROE) | 8.7830% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.7830% | 1,668 |
| Net charge-offs to loans | 0.4701% | 1,911 |
| Credit loss provision to net charge-offs | 130.1370% | 1,867 |
| Earnings coverage of net charge-offs (x) | 4.8836% | 2,482 |
| Efficiency ratio | 63.9231% | 4,937 |
| Assets per employee ($millions) | 8.0333% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5858% | 3,776 |
| Loan loss allowance to noncurrent loans | 65.4233% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 1.8500% | 3,113 |
| Noncurrent loans to loans | 2.4238% | 2,681 |
| Net loans and leases to total assets | 58.8358% | 3,896 |
| Net loans and leases to deposits | 70.2317% | 3,705 |
| Net loans and leases to core deposits | 76.1412% | 3,599 |
| Total domestic deposits to total assets | 83.7739% | 4,607 |
| Equity capital to assets | 9.1091% | 5,344 |
| Core capital (leverage) ratio | 8.4628% | 5,652 |
| Tier 1 risk-based capital ratio | 10.9743% | 6,552 |
| Total risk-based capital ratio | 12.2288% | 6,537 |
| Memoranda: | ||
| Average total assets | $597,343,000 | 1,121 |
| Average earning assets | $569,287,000 | 1,072 |
| Average equity | $54,879,000 | 1,292 |
| Average total loans | $372,660,500 | 1,135 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7024% | 4,238 |
| Cost of funding earning assets | 1.8663% | 169 |
| Net interest margin | 2.8362% | 6,779 |
| Noninterest income to average assets | 0.7673% | 2,251 |
| Noninterest expense to average assets | 2.0639% | 6,557 |
| Loan and lease loss provision to assets | 0.4489% | 2,360 |
| Net operating income to assets | 0.7384% | 3,300 |
| Return on assets (ROA) | 0.6606% | 3,874 |
| Pretax return on assets | 0.8446% | 3,802 |
| Return on Equity (ROE) | 7.1038% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.1038% | 1,450 |
| Net charge-offs to loans | 1.0289% | 1,691 |
| Credit loss provision to net charge-offs | 67.2362% | 4,953 |
| Earnings coverage of net charge-offs (x) | 2.0868% | 4,212 |
| Efficiency ratio | 59.7009% | 5,804 |
| Assets per employee ($millions) | 7.8940% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4872% | 4,082 |
| Loan loss allowance to noncurrent loans | 64.6031% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.9771% | 3,002 |
| Noncurrent loans to loans | 2.3020% | 2,852 |
| Net loans and leases to total assets | 64.1382% | 3,164 |
| Net loans and leases to deposits | 76.9616% | 3,013 |
| Net loans and leases to core deposits | 84.3473% | 2,844 |
| Total domestic deposits to total assets | 83.3379% | 4,612 |
| Equity capital to assets | 9.2688% | 5,186 |
| Core capital (leverage) ratio | 8.5364% | 5,502 |
| Tier 1 risk-based capital ratio | 10.8933% | 6,511 |
| Total risk-based capital ratio | 12.1480% | 6,486 |
| Memoranda: | ||
| Average total assets | $543,594,000 | 1,215 |
| Average earning assets | $515,520,200 | 1,167 |
| Average equity | $50,550,200 | 1,350 |
| Average total loans | $352,711,200 | 1,201 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8130% | 3,967 |
| Cost of funding earning assets | 1.9491% | 145 |
| Net interest margin | 2.8639% | 6,809 |
| Noninterest income to average assets | 0.4959% | 3,898 |
| Noninterest expense to average assets | 2.0252% | 6,644 |
| Loan and lease loss provision to assets | 0.3732% | 2,614 |
| Net operating income to assets | 0.6587% | 3,834 |
| Return on assets (ROA) | 0.5631% | 4,426 |
| Pretax return on assets | 0.6913% | 4,511 |
| Return on Equity (ROE) | 6.0500% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.0500% | 2,532 |
| Net charge-offs to loans | 1.0672% | 1,493 |
| Credit loss provision to net charge-offs | 53.9379% | 4,949 |
| Earnings coverage of net charge-offs (x) | 1.7092% | 4,375 |
| Efficiency ratio | 63.1370% | 5,211 |
| Assets per employee ($millions) | 8.2319% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 4,280 |
| Loan loss allowance to noncurrent loans | 85.0641% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 1.7825% | 3,425 |
| Noncurrent loans to loans | 1.7184% | 3,736 |
| Net loans and leases to total assets | 67.0762% | 2,660 |
| Net loans and leases to deposits | 80.8702% | 2,548 |
| Net loans and leases to core deposits | 88.3589% | 2,444 |
| Total domestic deposits to total assets | 82.9431% | 4,709 |
| Equity capital to assets | 9.3688% | 5,277 |
| Core capital (leverage) ratio | 8.6821% | 5,437 |
| Tier 1 risk-based capital ratio | 10.9450% | 6,576 |
| Total risk-based capital ratio | 12.2008% | 6,546 |
| Memoranda: | ||
| Average total assets | $533,454,250 | 1,250 |
| Average earning assets | $505,118,750 | 1,199 |
| Average equity | $49,651,750 | 1,376 |
| Average total loans | $345,808,750 | 1,243 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8596% | 3,817 |
| Cost of funding earning assets | 2.0073% | 139 |
| Net interest margin | 2.8523% | 6,857 |
| Noninterest income to average assets | 0.4631% | 4,158 |
| Noninterest expense to average assets | 1.9814% | 6,831 |
| Loan and lease loss provision to assets | 0.3278% | 2,824 |
| Net operating income to assets | 0.6962% | 3,564 |
| Return on assets (ROA) | 0.5561% | 4,405 |
| Pretax return on assets | 0.6789% | 4,469 |
| Return on Equity (ROE) | 5.9892% | 3,978 |
| Retained earnings to average equity (ytd only) | 5.9892% | 2,440 |
| Net charge-offs to loans | 0.9729% | 1,614 |
| Credit loss provision to net charge-offs | 52.9231% | 4,510 |
| Earnings coverage of net charge-offs (x) | 1.9009% | 3,913 |
| Efficiency ratio | 62.7247% | 5,449 |
| Assets per employee ($millions) | 8.8123% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6928% | 3,353 |
| Loan loss allowance to noncurrent loans | 80.8188% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 2.1799% | 3,010 |
| Noncurrent loans to loans | 2.0946% | 3,357 |
| Net loans and leases to total assets | 65.6839% | 3,097 |
| Net loans and leases to deposits | 79.4472% | 2,902 |
| Net loans and leases to core deposits | 88.0649% | 2,639 |
| Total domestic deposits to total assets | 82.6762% | 4,914 |
| Equity capital to assets | 9.3790% | 5,017 |
| Core capital (leverage) ratio | 8.7493% | 5,142 |
| Tier 1 risk-based capital ratio | 10.7516% | 6,686 |
| Total risk-based capital ratio | 12.0059% | 6,665 |
| Memoranda: | ||
| Average total assets | $524,681,670 | 1,283 |
| Average earning assets | $495,881,000 | 1,229 |
| Average equity | $48,721,000 | 1,386 |
| Average total loans | $334,063,670 | 1,297 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9158% | 3,505 |
| Cost of funding earning assets | 2.0495% | 145 |
| Net interest margin | 2.8662% | 6,804 |
| Noninterest income to average assets | 0.4160% | 4,579 |
| Noninterest expense to average assets | 1.9651% | 6,884 |
| Loan and lease loss provision to assets | 0.4044% | 2,169 |
| Net operating income to assets | 0.6579% | 3,714 |
| Return on assets (ROA) | 0.4562% | 4,774 |
| Pretax return on assets | 0.5179% | 4,967 |
| Return on Equity (ROE) | 4.9381% | 4,440 |
| Retained earnings to average equity (ytd only) | 4.9381% | 3,233 |
| Net charge-offs to loans | 0.6917% | 1,831 |
| Credit loss provision to net charge-offs | 94.2446% | 2,859 |
| Earnings coverage of net charge-offs (x) | 2.6835% | 3,003 |
| Efficiency ratio | 63.0510% | 5,517 |
| Assets per employee ($millions) | 9.2089% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0544% | 2,282 |
| Loan loss allowance to noncurrent loans | 72.5173% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 2.6706% | 2,569 |
| Noncurrent loans to loans | 2.8330% | 2,666 |
| Net loans and leases to total assets | 60.8127% | 4,110 |
| Net loans and leases to deposits | 73.9325% | 3,767 |
| Net loans and leases to core deposits | 81.9984% | 3,456 |
| Total domestic deposits to total assets | 82.2543% | 5,207 |
| Equity capital to assets | 9.0753% | 5,085 |
| Core capital (leverage) ratio | 8.8800% | 4,807 |
| Tier 1 risk-based capital ratio | 10.8382% | 6,617 |
| Total risk-based capital ratio | 12.0939% | 6,590 |
| Memoranda: | ||
| Average total assets | $518,247,500 | 1,304 |
| Average earning assets | $488,307,000 | 1,259 |
| Average equity | $47,873,000 | 1,395 |
| Average total loans | $321,513,500 | 1,362 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4699% | 2,408 |
| Cost of funding earning assets | 2.3035% | 207 |
| Net interest margin | 3.1663% | 6,350 |
| Noninterest income to average assets | 0.8086% | 2,240 |
| Noninterest expense to average assets | 2.0441% | 6,956 |
| Loan and lease loss provision to assets | 0.1867% | 5,365 |
| Net operating income to assets | 1.1596% | 1,512 |
| Return on assets (ROA) | 1.0265% | 2,055 |
| Pretax return on assets | 1.3838% | 1,704 |
| Return on Equity (ROE) | 10.9724% | 1,597 |
| Retained earnings to average equity (ytd only) | 10.9724% | 383 |
| Net charge-offs to loans | 1.3314% | 1,675 |
| Credit loss provision to net charge-offs | 22.1876% | 6,547 |
| Earnings coverage of net charge-offs (x) | 2.0802% | 4,165 |
| Efficiency ratio | 53.8719% | 6,819 |
| Assets per employee ($millions) | 9.6611% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1981% | 1,871 |
| Loan loss allowance to noncurrent loans | 71.4062% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 2.9173% | 2,401 |
| Noncurrent loans to loans | 3.0783% | 2,479 |
| Net loans and leases to total assets | 60.6233% | 4,559 |
| Net loans and leases to deposits | 72.0073% | 4,515 |
| Net loans and leases to core deposits | 79.7733% | 4,244 |
| Total domestic deposits to total assets | 84.1905% | 4,277 |
| Equity capital to assets | 9.4099% | 4,532 |
| Core capital (leverage) ratio | 9.1432% | 4,278 |
| Tier 1 risk-based capital ratio | 10.6130% | 6,626 |
| Total risk-based capital ratio | 11.8688% | 6,592 |
| Memoranda: | ||
| Average total assets | $496,545,800 | 1,358 |
| Average earning assets | $468,238,600 | 1,309 |
| Average equity | $46,453,000 | 1,445 |
| Average total loans | $313,807,200 | 1,429 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5861% | 2,119 |
| Cost of funding earning assets | 2.3508% | 230 |
| Net interest margin | 3.2353% | 6,229 |
| Noninterest income to average assets | 0.6181% | 3,331 |
| Noninterest expense to average assets | 1.9729% | 7,092 |
| Loan and lease loss provision to assets | -0.0996% | 7,699 |
| Net operating income to assets | 1.3066% | 1,323 |
| Return on assets (ROA) | 1.1747% | 1,758 |
| Pretax return on assets | 1.6185% | 1,296 |
| Return on Equity (ROE) | 12.5754% | 1,368 |
| Retained earnings to average equity (ytd only) | 12.5754% | 392 |
| Net charge-offs to loans | 1.1645% | 1,754 |
| Credit loss provision to net charge-offs | -13.4741% | 6,860 |
| Earnings coverage of net charge-offs (x) | 2.2983% | 4,014 |
| Efficiency ratio | 53.7215% | 6,812 |
| Assets per employee ($millions) | 9.5215% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2798% | 1,651 |
| Loan loss allowance to noncurrent loans | 105.2949% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 2.0950% | 3,345 |
| Noncurrent loans to loans | 2.1651% | 3,488 |
| Net loans and leases to total assets | 61.6134% | 4,608 |
| Net loans and leases to deposits | 73.9876% | 4,512 |
| Net loans and leases to core deposits | 81.7468% | 4,278 |
| Total domestic deposits to total assets | 83.2753% | 4,470 |
| Equity capital to assets | 10.1140% | 3,999 |
| Core capital (leverage) ratio | 9.0369% | 4,628 |
| Tier 1 risk-based capital ratio | 10.9789% | 6,401 |
| Total risk-based capital ratio | 12.2395% | 6,371 |
| Memoranda: | ||
| Average total assets | $495,088,250 | 1,374 |
| Average earning assets | $467,409,250 | 1,325 |
| Average equity | $46,248,000 | 1,460 |
| Average total loans | $314,408,500 | 1,443 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 2,083 |
| Cost of funding earning assets | 2.3979% | 240 |
| Net interest margin | 3.2157% | 6,267 |
| Noninterest income to average assets | 0.4423% | 4,583 |
| Noninterest expense to average assets | 1.9075% | 7,255 |
| Loan and lease loss provision to assets | -0.4002% | 7,806 |
| Net operating income to assets | 1.4066% | 1,083 |
| Return on assets (ROA) | 1.3371% | 1,297 |
| Pretax return on assets | 1.8721% | 775 |
| Return on Equity (ROE) | 14.7087% | 909 |
| Retained earnings to average equity (ytd only) | 14.7087% | 264 |
| Net charge-offs to loans | 1.2593% | 1,515 |
| Credit loss provision to net charge-offs | -49.9249% | 6,632 |
| Earnings coverage of net charge-offs (x) | 1.9584% | 4,054 |
| Efficiency ratio | 54.8540% | 6,779 |
| Assets per employee ($millions) | 9.2901% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3039% | 1,579 |
| Loan loss allowance to noncurrent loans | 73.7947% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 2.3884% | 3,015 |
| Noncurrent loans to loans | 3.1221% | 2,575 |
| Net loans and leases to total assets | 62.3397% | 4,617 |
| Net loans and leases to deposits | 74.9218% | 4,526 |
| Net loans and leases to core deposits | 83.1444% | 4,258 |
| Total domestic deposits to total assets | 83.2063% | 4,484 |
| Equity capital to assets | 9.7866% | 4,285 |
| Core capital (leverage) ratio | 8.5815% | 5,268 |
| Tier 1 risk-based capital ratio | 10.6579% | 6,557 |
| Total risk-based capital ratio | 11.9182% | 6,548 |
| Memoranda: | ||
| Average total assets | $498,253,000 | 1,363 |
| Average earning assets | $470,254,330 | 1,322 |
| Average equity | $45,293,000 | 1,480 |
| Average total loans | $317,154,330 | 1,449 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6552% | 1,936 |
| Cost of funding earning assets | 2.4510% | 258 |
| Net interest margin | 3.2043% | 6,280 |
| Noninterest income to average assets | 0.3590% | 5,267 |
| Noninterest expense to average assets | 1.8836% | 7,353 |
| Loan and lease loss provision to assets | -1.3997% | 7,925 |
| Net operating income to assets | 2.0080% | 342 |
| Return on assets (ROA) | 1.8678% | 473 |
| Pretax return on assets | 2.6957% | 188 |
| Return on Equity (ROE) | 21.3271% | 309 |
| Retained earnings to average equity (ytd only) | 21.3271% | 168 |
| Net charge-offs to loans | 1.1269% | 1,493 |
| Credit loss provision to net charge-offs | -195.3642% | 6,124 |
| Earnings coverage of net charge-offs (x) | 2.0927% | 3,493 |
| Efficiency ratio | 55.6802% | 6,814 |
| Assets per employee ($millions) | 10.3619% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3151% | 1,556 |
| Loan loss allowance to noncurrent loans | 78.8272% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 2.1815% | 3,298 |
| Noncurrent loans to loans | 2.9370% | 2,740 |
| Net loans and leases to total assets | 61.6621% | 4,824 |
| Net loans and leases to deposits | 75.6436% | 4,470 |
| Net loans and leases to core deposits | 84.0196% | 4,195 |
| Total domestic deposits to total assets | 81.5167% | 5,262 |
| Equity capital to assets | 8.9701% | 5,322 |
| Core capital (leverage) ratio | 8.1391% | 6,008 |
| Tier 1 risk-based capital ratio | 10.0981% | 6,963 |
| Total risk-based capital ratio | 11.3568% | 6,950 |
| Memoranda: | ||
| Average total assets | $505,836,000 | 1,376 |
| Average earning assets | $477,362,500 | 1,337 |
| Average equity | $44,300,500 | 1,513 |
| Average total loans | $321,603,000 | 1,467 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7576% | 2,831 |
| Cost of funding earning assets | 2.9504% | 261 |
| Net interest margin | 2.8072% | 7,049 |
| Noninterest income to average assets | 0.4946% | 4,456 |
| Noninterest expense to average assets | 1.7033% | 7,699 |
| Loan and lease loss provision to assets | 2.1847% | 952 |
| Net operating income to assets | -0.3471% | 6,024 |
| Return on assets (ROA) | -0.3769% | 6,045 |
| Pretax return on assets | -0.7689% | 6,246 |
| Return on Equity (ROE) | -4.5345% | 6,168 |
| Retained earnings to average equity (ytd only) | -4.5345% | 5,955 |
| Net charge-offs to loans | 1.8479% | 1,351 |
| Credit loss provision to net charge-offs | 190.1661% | 2,106 |
| Earnings coverage of net charge-offs (x) | 1.2728% | 4,854 |
| Efficiency ratio | 53.8076% | 7,251 |
| Assets per employee ($millions) | 10.0788% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1285% | 693 |
| Loan loss allowance to noncurrent loans | 96.8999% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 2.1622% | 3,187 |
| Noncurrent loans to loans | 3.2286% | 2,365 |
| Net loans and leases to total assets | 62.0335% | 4,984 |
| Net loans and leases to deposits | 75.7252% | 4,791 |
| Net loans and leases to core deposits | 96.3309% | 4,422 |
| Total domestic deposits to total assets | 81.9192% | 4,988 |
| Equity capital to assets | 8.5441% | 5,820 |
| Core capital (leverage) ratio | 7.3864% | 6,905 |
| Tier 1 risk-based capital ratio | 9.3544% | 7,302 |
| Total risk-based capital ratio | 10.6208% | 7,279 |
| Memoranda: | ||
| Average total assets | $529,329,400 | 1,300 |
| Average earning assets | $503,628,400 | 1,254 |
| Average equity | $43,996,000 | 1,520 |
| Average total loans | $329,081,200 | 1,466 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7272% | 3,206 |
| Cost of funding earning assets | 3.0365% | 297 |
| Net interest margin | 2.6906% | 7,227 |
| Noninterest income to average assets | 0.4816% | 4,656 |
| Noninterest expense to average assets | 1.7040% | 7,763 |
| Loan and lease loss provision to assets | 1.5083% | 1,272 |
| Net operating income to assets | 0.0131% | 5,682 |
| Return on assets (ROA) | -0.0149% | 5,796 |
| Pretax return on assets | -0.2091% | 5,992 |
| Return on Equity (ROE) | -0.1809% | 5,807 |
| Retained earnings to average equity (ytd only) | -0.1809% | 5,255 |
| Net charge-offs to loans | 1.8640% | 1,079 |
| Credit loss provision to net charge-offs | 131.0837% | 3,815 |
| Earnings coverage of net charge-offs (x) | 1.1672% | 4,895 |
| Efficiency ratio | 55.9222% | 7,011 |
| Assets per employee ($millions) | 9.5605% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7913% | 2,307 |
| Loan loss allowance to noncurrent loans | 85.3676% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 1.6866% | 3,848 |
| Noncurrent loans to loans | 2.0983% | 3,506 |
| Net loans and leases to total assets | 65.4615% | 4,542 |
| Net loans and leases to deposits | 80.4523% | 4,307 |
| Net loans and leases to core deposits | 104.8708% | 3,838 |
| Total domestic deposits to total assets | 81.3668% | 4,935 |
| Equity capital to assets | 9.1440% | 5,271 |
| Core capital (leverage) ratio | 7.9675% | 6,418 |
| Tier 1 risk-based capital ratio | 10.0839% | 6,895 |
| Total risk-based capital ratio | 11.3384% | 6,839 |
| Memoranda: | ||
| Average total assets | $535,677,000 | 1,299 |
| Average earning assets | $510,744,750 | 1,246 |
| Average equity | $44,230,750 | 1,537 |
| Average total loans | $330,674,750 | 1,477 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6445% | 3,845 |
| Cost of funding earning assets | 3.1294% | 322 |
| Net interest margin | 2.5151% | 7,464 |
| Noninterest income to average assets | 0.4837% | 4,597 |
| Noninterest expense to average assets | 1.7028% | 7,829 |
| Loan and lease loss provision to assets | 1.2869% | 1,330 |
| Net operating income to assets | 0.0480% | 5,711 |
| Return on assets (ROA) | 0.0480% | 5,800 |
| Pretax return on assets | -0.1067% | 6,001 |
| Return on Equity (ROE) | 0.6019% | 5,752 |
| Retained earnings to average equity (ytd only) | 0.6019% | 4,946 |
| Net charge-offs to loans | 1.5369% | 1,231 |
| Credit loss provision to net charge-offs | 139.0805% | 3,357 |
| Earnings coverage of net charge-offs (x) | 1.2755% | 4,570 |
| Efficiency ratio | 59.0637% | 6,682 |
| Assets per employee ($millions) | 10.8782% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6796% | 2,415 |
| Loan loss allowance to noncurrent loans | 78.7372% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 4,166 |
| Noncurrent loans to loans | 2.1332% | 3,329 |
| Net loans and leases to total assets | 60.2579% | 5,634 |
| Net loans and leases to deposits | 72.1191% | 5,718 |
| Net loans and leases to core deposits | 96.1552% | 4,888 |
| Total domestic deposits to total assets | 83.5533% | 3,987 |
| Equity capital to assets | 8.0475% | 6,695 |
| Core capital (leverage) ratio | 7.6041% | 6,895 |
| Tier 1 risk-based capital ratio | 10.6771% | 6,209 |
| Total risk-based capital ratio | 11.9294% | 6,138 |
| Memoranda: | ||
| Average total assets | $545,334,670 | 1,298 |
| Average earning assets | $520,220,670 | 1,244 |
| Average equity | $43,530,000 | 1,561 |
| Average total loans | $328,317,670 | 1,517 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6397% | 4,110 |
| Cost of funding earning assets | 3.2003% | 345 |
| Net interest margin | 2.4394% | 7,573 |
| Noninterest income to average assets | 0.3084% | 5,976 |
| Noninterest expense to average assets | 1.5024% | 7,986 |
| Loan and lease loss provision to assets | 1.4856% | 848 |
| Net operating income to assets | -0.1128% | 6,432 |
| Return on assets (ROA) | -0.1128% | 6,542 |
| Pretax return on assets | -0.3524% | 6,711 |
| Return on Equity (ROE) | -1.4190% | 6,602 |
| Retained earnings to average equity (ytd only) | -1.4190% | 5,983 |
| Net charge-offs to loans | 1.7765% | 817 |
| Credit loss provision to net charge-offs | 140.1520% | 2,906 |
| Earnings coverage of net charge-offs (x) | 1.0691% | 4,227 |
| Efficiency ratio | 57.0039% | 6,828 |
| Assets per employee ($millions) | 12.4968% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 2,479 |
| Loan loss allowance to noncurrent loans | 86.3939% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 4,415 |
| Noncurrent loans to loans | 1.8635% | 3,473 |
| Net loans and leases to total assets | 57.7274% | 5,988 |
| Net loans and leases to deposits | 70.4410% | 5,935 |
| Net loans and leases to core deposits | 96.0092% | 4,963 |
| Total domestic deposits to total assets | 81.9514% | 4,570 |
| Equity capital to assets | 7.8418% | 7,014 |
| Core capital (leverage) ratio | 7.6164% | 7,004 |
| Tier 1 risk-based capital ratio | 11.4668% | 5,447 |
| Total risk-based capital ratio | 12.7196% | 5,340 |
| Memoranda: | ||
| Average total assets | $546,047,500 | 1,302 |
| Average earning assets | $520,950,000 | 1,246 |
| Average equity | $43,409,500 | 1,574 |
| Average total loans | $325,803,000 | 1,541 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0747% | 5,176 |
| Cost of funding earning assets | 3.6370% | 334 |
| Net interest margin | 2.4378% | 7,819 |
| Noninterest income to average assets | 0.2669% | 6,550 |
| Noninterest expense to average assets | 1.4182% | 8,063 |
| Loan and lease loss provision to assets | 0.8847% | 1,689 |
| Net operating income to assets | 0.2766% | 5,626 |
| Return on assets (ROA) | 0.3209% | 5,295 |
| Pretax return on assets | 0.3321% | 5,435 |
| Return on Equity (ROE) | 4.0226% | 4,818 |
| Retained earnings to average equity (ytd only) | 2.4117% | 3,701 |
| Net charge-offs to loans | 1.1085% | 1,092 |
| Credit loss provision to net charge-offs | 127.9607% | 4,167 |
| Earnings coverage of net charge-offs (x) | 1.6938% | 5,231 |
| Efficiency ratio | 54.7717% | 7,176 |
| Assets per employee ($millions) | 12.3235% | 156 |
| Cash dividends to net income (ytd only)* | 40.0458% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 3,180 |
| Loan loss allowance to noncurrent loans | 100.8086% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.9173% | 4,547 |
| Noncurrent loans to loans | 1.3909% | 3,732 |
| Net loans and leases to total assets | 59.8226% | 5,937 |
| Net loans and leases to deposits | 73.6674% | 5,880 |
| Net loans and leases to core deposits | 98.1708% | 5,022 |
| Total domestic deposits to total assets | 81.2063% | 4,556 |
| Equity capital to assets | 8.0592% | 6,766 |
| Core capital (leverage) ratio | 7.8555% | 6,719 |
| Tier 1 risk-based capital ratio | 11.5374% | 5,210 |
| Total risk-based capital ratio | 12.7878% | 5,099 |
| Memoranda: | ||
| Average total assets | $544,697,600 | 1,249 |
| Average earning assets | $518,919,400 | 1,192 |
| Average equity | $43,454,800 | 1,551 |
| Average total loans | $339,726,200 | 1,431 |