Home > Home Federal Bank of Tennessee > Performance and Condition Ratios
Home Federal Bank of Tennessee, 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 | 2.6718% | 4,551 |
| Cost of funding earning assets | 1.0209% | 3,247 |
| Net interest margin | 1.6509% | 4,486 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 1.9357% | 3,762 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.0244% | 4,310 |
| Return on assets (ROA) | 0.0245% | 4,335 |
| Pretax return on assets | 0.0164% | 4,327 |
| Return on Equity (ROE) | 0.1500% | 4,330 |
| Retained earnings to average equity (ytd only) | 0.1537% | 4,012 |
| Net charge-offs to loans | -0.0004% | 3,542 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.6203% | 210 |
| Assets per employee ($millions) | 7.7595% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,249 |
| Loan loss allowance to noncurrent loans | 20.5080% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.2027% | 113 |
| Noncurrent loans to loans | 4.9312% | 50 |
| Net loans and leases to total assets | 44.2200% | 3,890 |
| Net loans and leases to deposits | 56.8049% | 3,673 |
| Net loans and leases to core deposits | 63.2817% | 3,627 |
| Total domestic deposits to total assets | 77.8400% | 3,749 |
| Equity capital to assets | 15.8811% | 473 |
| Core capital (leverage) ratio | 16.1862% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,799,038,400 | 422 |
| Average earning assets | $2,710,355,000 | 392 |
| Average equity | $445,555,800 | 289 |
| Average total loans | $1,216,676,200 | 622 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6408% | 4,569 |
| Cost of funding earning assets | 0.8929% | 3,289 |
| Net interest margin | 1.7479% | 4,491 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 1.9739% | 3,654 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.0602% | 4,343 |
| Return on assets (ROA) | 0.0602% | 4,365 |
| Pretax return on assets | 0.0658% | 4,358 |
| Return on Equity (ROE) | 0.3800% | 4,361 |
| Retained earnings to average equity (ytd only) | 0.3777% | 4,058 |
| Net charge-offs to loans | -0.0006% | 3,443 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 96.2611% | 228 |
| Assets per employee ($millions) | 7.7293% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 3,291 |
| Loan loss allowance to noncurrent loans | 21.2485% | 3,802 |
| Noncurrent assets plus other real estate owned to assets | 2.1112% | 124 |
| Noncurrent loans to loans | 4.7774% | 56 |
| Net loans and leases to total assets | 43.7400% | 3,927 |
| Net loans and leases to deposits | 56.1005% | 3,706 |
| Net loans and leases to core deposits | 62.1274% | 3,608 |
| Total domestic deposits to total assets | 77.9700% | 3,820 |
| Equity capital to assets | 15.8154% | 458 |
| Core capital (leverage) ratio | 16.2971% | 462 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,794,626,750 | 422 |
| Average earning assets | $2,705,972,750 | 396 |
| Average equity | $445,114,750 | 292 |
| Average total loans | $1,206,297,250 | 624 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6214% | 4,604 |
| Cost of funding earning assets | 0.7294% | 3,409 |
| Net interest margin | 1.8920% | 4,520 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 1.9614% | 3,683 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.1821% | 4,301 |
| Return on assets (ROA) | 0.1823% | 4,324 |
| Pretax return on assets | 0.2178% | 4,301 |
| Return on Equity (ROE) | 1.1400% | 4,358 |
| Retained earnings to average equity (ytd only) | 1.1416% | 3,886 |
| Net charge-offs to loans | -0.0015% | 3,498 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.5706% | 367 |
| Assets per employee ($millions) | 7.6678% | 1,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,288 |
| Loan loss allowance to noncurrent loans | 21.4638% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 2.1011% | 129 |
| Noncurrent loans to loans | 4.8027% | 56 |
| Net loans and leases to total assets | 43.3000% | 3,909 |
| Net loans and leases to deposits | 57.0012% | 3,588 |
| Net loans and leases to core deposits | 62.0414% | 3,537 |
| Total domestic deposits to total assets | 75.9600% | 4,045 |
| Equity capital to assets | 15.9834% | 450 |
| Core capital (leverage) ratio | 16.4908% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,788,348,333 | 409 |
| Average earning assets | $2,699,179,333 | 386 |
| Average equity | $445,166,667 | 285 |
| Average total loans | $1,193,968,667 | 618 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6184% | 4,631 |
| Cost of funding earning assets | 0.5956% | 3,398 |
| Net interest margin | 2.0227% | 4,558 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 1.9719% | 3,690 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.2787% | 4,274 |
| Return on assets (ROA) | 0.2783% | 4,242 |
| Pretax return on assets | 0.3305% | 4,233 |
| Return on Equity (ROE) | 1.7400% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.7441% | 3,744 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.2295% | 538 |
| Assets per employee ($millions) | 7.4824% | 1,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 3,334 |
| Loan loss allowance to noncurrent loans | 373.1912% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 2,665 |
| Noncurrent loans to loans | 0.2791% | 2,143 |
| Net loans and leases to total assets | 42.7700% | 3,921 |
| Net loans and leases to deposits | 53.9543% | 3,685 |
| Net loans and leases to core deposits | 57.7538% | 3,640 |
| Total domestic deposits to total assets | 79.2700% | 3,872 |
| Equity capital to assets | 16.1543% | 392 |
| Core capital (leverage) ratio | 16.3527% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,786,987,000 | 420 |
| Average earning assets | $2,697,568,000 | 398 |
| Average equity | $444,696,500 | 291 |
| Average total loans | $1,180,437,500 | 632 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3196% | 4,560 |
| Cost of funding earning assets | 0.1959% | 3,791 |
| Net interest margin | 2.1237% | 4,507 |
| Noninterest income to average assets | 0.3800% | 2,814 |
| Noninterest expense to average assets | 1.8813% | 3,872 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.4448% | 4,181 |
| Return on assets (ROA) | 0.4447% | 4,142 |
| Pretax return on assets | 0.5312% | 4,127 |
| Return on Equity (ROE) | 2.8700% | 4,306 |
| Retained earnings to average equity (ytd only) | 2.8746% | 3,756 |
| Net charge-offs to loans | -0.0016% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.2957% | 902 |
| Assets per employee ($millions) | 7.6232% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 3,095 |
| Loan loss allowance to noncurrent loans | 365.5796% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 2,689 |
| Noncurrent loans to loans | 0.2889% | 2,111 |
| Net loans and leases to total assets | 41.0700% | 4,025 |
| Net loans and leases to deposits | 53.2455% | 3,724 |
| Net loans and leases to core deposits | 55.8176% | 3,724 |
| Total domestic deposits to total assets | 77.1300% | 4,158 |
| Equity capital to assets | 15.7617% | 404 |
| Core capital (leverage) ratio | 16.1535% | 443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,818,359,200 | 410 |
| Average earning assets | $2,731,620,200 | 391 |
| Average equity | $435,994,200 | 287 |
| Average total loans | $1,104,150,400 | 626 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2533% | 4,548 |
| Cost of funding earning assets | 0.1712% | 3,613 |
| Net interest margin | 2.0821% | 4,527 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 1.8862% | 3,776 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.4023% | 4,241 |
| Return on assets (ROA) | 0.4023% | 4,186 |
| Pretax return on assets | 0.4879% | 4,168 |
| Return on Equity (ROE) | 2.6100% | 4,340 |
| Retained earnings to average equity (ytd only) | 2.6125% | 3,884 |
| Net charge-offs to loans | -0.0055% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.7410% | 856 |
| Assets per employee ($millions) | 7.6349% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0865% | 3,080 |
| Loan loss allowance to noncurrent loans | 367.5740% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 2,780 |
| Noncurrent loans to loans | 0.2956% | 2,182 |
| Net loans and leases to total assets | 39.7100% | 4,082 |
| Net loans and leases to deposits | 49.6934% | 3,877 |
| Net loans and leases to core deposits | 51.8495% | 3,861 |
| Total domestic deposits to total assets | 79.9000% | 4,109 |
| Equity capital to assets | 15.5008% | 409 |
| Core capital (leverage) ratio | 15.9161% | 460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,819,711,500 | 412 |
| Average earning assets | $2,733,893,750 | 392 |
| Average equity | $434,150,500 | 288 |
| Average total loans | $1,088,294,000 | 631 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1767% | 4,573 |
| Cost of funding earning assets | 0.1792% | 3,194 |
| Net interest margin | 1.9975% | 4,561 |
| Noninterest income to average assets | 0.3791% | 2,879 |
| Noninterest expense to average assets | 1.8714% | 3,775 |
| Loan and lease loss provision to assets | 0.0213% | 2,220 |
| Net operating income to assets | 0.3505% | 4,207 |
| Return on assets (ROA) | 0.3504% | 4,162 |
| Pretax return on assets | 0.4224% | 4,124 |
| Return on Equity (ROE) | 2.2811% | 4,324 |
| Retained earnings to average equity (ytd only) | 2.2811% | 3,673 |
| Net charge-offs to loans | -0.0086% | 3,535 |
| Credit loss provision to net charge-offs | -652.1739% | 3,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8306% | 887 |
| Assets per employee ($millions) | 7.7764% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1122% | 3,118 |
| Loan loss allowance to noncurrent loans | 345.8979% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 2,828 |
| Noncurrent loans to loans | 0.3215% | 2,192 |
| Net loans and leases to total assets | 38.5392% | 4,146 |
| Net loans and leases to deposits | 47.7374% | 3,932 |
| Net loans and leases to core deposits | 50.3531% | 3,918 |
| Total domestic deposits to total assets | 80.7318% | 4,166 |
| Equity capital to assets | 15.3657% | 376 |
| Core capital (leverage) ratio | 15.8276% | 395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,820,526,667 | 409 |
| Average earning assets | $2,733,870,000 | 390 |
| Average equity | $433,301,333 | 288 |
| Average total loans | $1,074,075,333 | 623 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0904% | 4,585 |
| Cost of funding earning assets | 0.1876% | 2,976 |
| Net interest margin | 1.9028% | 4,575 |
| Noninterest income to average assets | 0.3738% | 2,850 |
| Noninterest expense to average assets | 1.8857% | 3,713 |
| Loan and lease loss provision to assets | 0.0213% | 1,970 |
| Net operating income to assets | 0.2625% | 4,219 |
| Return on assets (ROA) | 0.2625% | 4,188 |
| Pretax return on assets | 0.3114% | 4,171 |
| Return on Equity (ROE) | 1.7092% | 4,308 |
| Retained earnings to average equity (ytd only) | 1.7092% | 3,630 |
| Net charge-offs to loans | -0.0196% | 3,899 |
| Credit loss provision to net charge-offs | -288.4615% | 3,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0016% | 788 |
| Assets per employee ($millions) | 7.6698% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 3,109 |
| Loan loss allowance to noncurrent loans | 325.0067% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 2,875 |
| Noncurrent loans to loans | 0.3535% | 2,214 |
| Net loans and leases to total assets | 36.8293% | 4,162 |
| Net loans and leases to deposits | 45.4883% | 4,004 |
| Net loans and leases to core deposits | 47.9963% | 3,982 |
| Total domestic deposits to total assets | 80.9643% | 4,200 |
| Equity capital to assets | 15.2882% | 370 |
| Core capital (leverage) ratio | 15.8158% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,815,488,000 | 413 |
| Average earning assets | $2,729,486,500 | 392 |
| Average equity | $432,481,500 | 296 |
| Average total loans | $1,059,532,000 | 620 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2349% | 4,614 |
| Cost of funding earning assets | 0.2500% | 2,938 |
| Net interest margin | 1.9849% | 4,607 |
| Noninterest income to average assets | 0.4704% | 2,724 |
| Noninterest expense to average assets | 1.8898% | 3,942 |
| Loan and lease loss provision to assets | 0.0337% | 2,378 |
| Net operating income to assets | 0.3890% | 4,294 |
| Return on assets (ROA) | 0.3890% | 4,324 |
| Pretax return on assets | 0.4701% | 4,295 |
| Return on Equity (ROE) | 2.4399% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.4399% | 3,844 |
| Net charge-offs to loans | 0.0011% | 2,636 |
| Credit loss provision to net charge-offs | 7,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 1,121.2500% | 129 |
| Efficiency ratio | 78.9512% | 874 |
| Assets per employee ($millions) | 7.3706% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,212 |
| Loan loss allowance to noncurrent loans | 315.1776% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 2,984 |
| Noncurrent loans to loans | 0.3596% | 2,296 |
| Net loans and leases to total assets | 37.5804% | 4,214 |
| Net loans and leases to deposits | 46.6944% | 4,063 |
| Net loans and leases to core deposits | 49.1491% | 4,047 |
| Total domestic deposits to total assets | 80.4817% | 4,167 |
| Equity capital to assets | 15.4341% | 442 |
| Core capital (leverage) ratio | 16.0387% | 361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,670,544,800 | 413 |
| Average earning assets | $2,587,607,400 | 394 |
| Average equity | $425,748,400 | 299 |
| Average total loans | $1,098,816,000 | 605 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2706% | 4,684 |
| Cost of funding earning assets | 0.2644% | 2,964 |
| Net interest margin | 2.0062% | 4,676 |
| Noninterest income to average assets | 0.4512% | 2,832 |
| Noninterest expense to average assets | 1.8778% | 3,996 |
| Loan and lease loss provision to assets | 0.0341% | 2,319 |
| Net operating income to assets | 0.3999% | 4,373 |
| Return on assets (ROA) | 0.3998% | 4,404 |
| Pretax return on assets | 0.4840% | 4,389 |
| Return on Equity (ROE) | 2.4867% | 4,529 |
| Retained earnings to average equity (ytd only) | 2.4867% | 4,057 |
| Net charge-offs to loans | 0.0013% | 2,376 |
| Credit loss provision to net charge-offs | 6,136.3636% | 129 |
| Earnings coverage of net charge-offs (x) | 932.0909% | 176 |
| Efficiency ratio | 78.3719% | 848 |
| Assets per employee ($millions) | 7.1919% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 3,456 |
| Loan loss allowance to noncurrent loans | 138.9331% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 2,204 |
| Noncurrent loans to loans | 0.7893% | 1,430 |
| Net loans and leases to total assets | 39.2975% | 4,240 |
| Net loans and leases to deposits | 49.2241% | 4,049 |
| Net loans and leases to core deposits | 52.0066% | 4,037 |
| Total domestic deposits to total assets | 79.8338% | 4,251 |
| Equity capital to assets | 15.6973% | 450 |
| Core capital (leverage) ratio | 16.2899% | 370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,637,975,500 | 422 |
| Average earning assets | $2,557,336,750 | 400 |
| Average equity | $424,114,750 | 298 |
| Average total loans | $1,107,363,500 | 613 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3148% | 4,715 |
| Cost of funding earning assets | 0.2789% | 2,995 |
| Net interest margin | 2.0359% | 4,693 |
| Noninterest income to average assets | 0.4641% | 2,787 |
| Noninterest expense to average assets | 1.8980% | 3,969 |
| Loan and lease loss provision to assets | 0.0345% | 2,296 |
| Net operating income to assets | 0.4163% | 4,357 |
| Return on assets (ROA) | 0.4162% | 4,397 |
| Pretax return on assets | 0.5051% | 4,385 |
| Return on Equity (ROE) | 2.5677% | 4,539 |
| Retained earnings to average equity (ytd only) | 2.5677% | 3,976 |
| Net charge-offs to loans | 0.0007% | 2,220 |
| Credit loss provision to net charge-offs | 11,250.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,759.7500% | 63 |
| Efficiency ratio | 77.8620% | 922 |
| Assets per employee ($millions) | 6.8929% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0704% | 3,541 |
| Loan loss allowance to noncurrent loans | 130.3571% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 2,246 |
| Noncurrent loans to loans | 0.8211% | 1,497 |
| Net loans and leases to total assets | 40.5738% | 4,267 |
| Net loans and leases to deposits | 50.8933% | 4,057 |
| Net loans and leases to core deposits | 53.8165% | 4,032 |
| Total domestic deposits to total assets | 79.7233% | 4,266 |
| Equity capital to assets | 15.9888% | 415 |
| Core capital (leverage) ratio | 16.5249% | 338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,608,722,667 | 420 |
| Average earning assets | $2,528,944,333 | 401 |
| Average equity | $422,864,000 | 298 |
| Average total loans | $1,115,478,000 | 605 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3664% | 4,731 |
| Cost of funding earning assets | 0.2885% | 3,115 |
| Net interest margin | 2.0778% | 4,689 |
| Noninterest income to average assets | 0.4755% | 2,726 |
| Noninterest expense to average assets | 1.9130% | 3,961 |
| Loan and lease loss provision to assets | 0.0348% | 2,309 |
| Net operating income to assets | 0.4440% | 4,283 |
| Return on assets (ROA) | 0.4440% | 4,317 |
| Pretax return on assets | 0.5407% | 4,292 |
| Return on Equity (ROE) | 2.7202% | 4,519 |
| Retained earnings to average equity (ytd only) | 2.7202% | 3,862 |
| Net charge-offs to loans | 0.0014% | 1,884 |
| Credit loss provision to net charge-offs | 5,625.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 929.0000% | 103 |
| Efficiency ratio | 76.8733% | 1,048 |
| Assets per employee ($millions) | 6.8512% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0176% | 3,777 |
| Loan loss allowance to noncurrent loans | 120.1215% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 2,344 |
| Noncurrent loans to loans | 0.8472% | 1,584 |
| Net loans and leases to total assets | 42.5104% | 4,200 |
| Net loans and leases to deposits | 53.5509% | 3,969 |
| Net loans and leases to core deposits | 56.6017% | 3,935 |
| Total domestic deposits to total assets | 79.3832% | 4,285 |
| Equity capital to assets | 16.1137% | 380 |
| Core capital (leverage) ratio | 16.9465% | 315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,582,746,500 | 420 |
| Average earning assets | $2,502,249,500 | 398 |
| Average equity | $421,591,000 | 298 |
| Average total loans | $1,127,608,500 | 603 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6354% | 4,814 |
| Cost of funding earning assets | 0.4702% | 3,150 |
| Net interest margin | 2.1652% | 4,777 |
| Noninterest income to average assets | 0.5067% | 2,603 |
| Noninterest expense to average assets | 2.0260% | 4,090 |
| Loan and lease loss provision to assets | 0.0501% | 3,754 |
| Net operating income to assets | 0.4275% | 4,188 |
| Return on assets (ROA) | 0.4275% | 4,269 |
| Pretax return on assets | 0.5255% | 4,226 |
| Return on Equity (ROE) | 2.4517% | 4,492 |
| Retained earnings to average equity (ytd only) | 2.4517% | 3,630 |
| Net charge-offs to loans | -0.0703% | 4,741 |
| Credit loss provision to net charge-offs | -154.8387% | 3,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8750% | 1,038 |
| Assets per employee ($millions) | 6.4669% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,893 |
| Loan loss allowance to noncurrent loans | 113.4758% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 2,433 |
| Noncurrent loans to loans | 0.8754% | 1,618 |
| Net loans and leases to total assets | 43.9532% | 4,248 |
| Net loans and leases to deposits | 55.6767% | 4,020 |
| Net loans and leases to core deposits | 58.9322% | 4,002 |
| Total domestic deposits to total assets | 78.9437% | 4,205 |
| Equity capital to assets | 16.5398% | 381 |
| Core capital (leverage) ratio | 17.1097% | 303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,394,118,400 | 412 |
| Average earning assets | $2,316,461,800 | 390 |
| Average equity | $417,467,600 | 289 |
| Average total loans | $1,103,121,600 | 579 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6891% | 4,864 |
| Cost of funding earning assets | 0.5159% | 3,132 |
| Net interest margin | 2.1732% | 4,827 |
| Noninterest income to average assets | 0.4753% | 2,716 |
| Noninterest expense to average assets | 2.0512% | 4,043 |
| Loan and lease loss provision to assets | 0.0409% | 3,838 |
| Net operating income to assets | 0.3965% | 4,272 |
| Return on assets (ROA) | 0.3965% | 4,339 |
| Pretax return on assets | 0.4861% | 4,306 |
| Return on Equity (ROE) | 2.2430% | 4,520 |
| Retained earnings to average equity (ytd only) | 2.2430% | 3,847 |
| Net charge-offs to loans | -0.0946% | 4,817 |
| Credit loss provision to net charge-offs | -92.8021% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5617% | 897 |
| Assets per employee ($millions) | 6.2994% | 2,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 3,978 |
| Loan loss allowance to noncurrent loans | 135.4206% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 2,858 |
| Noncurrent loans to loans | 0.6870% | 2,073 |
| Net loans and leases to total assets | 46.3250% | 4,298 |
| Net loans and leases to deposits | 58.9161% | 4,122 |
| Net loans and leases to core deposits | 62.8099% | 4,063 |
| Total domestic deposits to total assets | 78.6287% | 4,113 |
| Equity capital to assets | 16.9783% | 376 |
| Core capital (leverage) ratio | 17.4023% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,357,275,750 | 408 |
| Average earning assets | $2,280,867,500 | 386 |
| Average equity | $416,745,000 | 288 |
| Average total loans | $1,096,833,500 | 578 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8086% | 4,904 |
| Cost of funding earning assets | 0.5705% | 3,125 |
| Net interest margin | 2.2381% | 4,860 |
| Noninterest income to average assets | 0.4418% | 2,844 |
| Noninterest expense to average assets | 2.0907% | 4,050 |
| Loan and lease loss provision to assets | 0.0384% | 3,795 |
| Net operating income to assets | 0.3887% | 4,252 |
| Return on assets (ROA) | 0.3887% | 4,316 |
| Pretax return on assets | 0.4766% | 4,287 |
| Return on Equity (ROE) | 2.1682% | 4,501 |
| Retained earnings to average equity (ytd only) | 2.1682% | 3,691 |
| Net charge-offs to loans | -0.0654% | 4,748 |
| Credit loss provision to net charge-offs | -126.4205% | 3,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2364% | 875 |
| Assets per employee ($millions) | 6.0742% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,049 |
| Loan loss allowance to noncurrent loans | 277.3491% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 3,775 |
| Noncurrent loans to loans | 0.3195% | 3,242 |
| Net loans and leases to total assets | 46.3289% | 4,347 |
| Net loans and leases to deposits | 58.9241% | 4,172 |
| Net loans and leases to core deposits | 63.0865% | 4,121 |
| Total domestic deposits to total assets | 78.6247% | 4,089 |
| Equity capital to assets | 17.1985% | 360 |
| Core capital (leverage) ratio | 17.8359% | 297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,317,814,667 | 406 |
| Average earning assets | $2,240,878,667 | 386 |
| Average equity | $415,552,000 | 288 |
| Average total loans | $1,076,571,667 | 581 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9112% | 4,974 |
| Cost of funding earning assets | 0.6284% | 3,285 |
| Net interest margin | 2.2828% | 4,927 |
| Noninterest income to average assets | 0.4255% | 2,932 |
| Noninterest expense to average assets | 2.1377% | 4,144 |
| Loan and lease loss provision to assets | 0.0297% | 3,412 |
| Net operating income to assets | 0.3767% | 4,185 |
| Return on assets (ROA) | 0.3767% | 4,222 |
| Pretax return on assets | 0.4633% | 4,184 |
| Return on Equity (ROE) | 2.0560% | 4,434 |
| Retained earnings to average equity (ytd only) | 2.0560% | 3,429 |
| Net charge-offs to loans | -0.0967% | 4,805 |
| Credit loss provision to net charge-offs | -66.4032% | 3,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2584% | 1,021 |
| Assets per employee ($millions) | 5.6037% | 2,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 4,017 |
| Loan loss allowance to noncurrent loans | 300.6803% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 3,932 |
| Noncurrent loans to loans | 0.3083% | 3,394 |
| Net loans and leases to total assets | 45.9044% | 4,430 |
| Net loans and leases to deposits | 58.8011% | 4,254 |
| Net loans and leases to core deposits | 63.3034% | 4,208 |
| Total domestic deposits to total assets | 78.0671% | 4,211 |
| Equity capital to assets | 18.3554% | 328 |
| Core capital (leverage) ratio | 18.8154% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,261,878,000 | 406 |
| Average earning assets | $2,185,066,000 | 379 |
| Average equity | $414,393,500 | 292 |
| Average total loans | $1,047,001,000 | 573 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0984% | 5,031 |
| Cost of funding earning assets | 0.6282% | 3,517 |
| Net interest margin | 2.4703% | 4,979 |
| Noninterest income to average assets | 0.4353% | 3,080 |
| Noninterest expense to average assets | 2.1653% | 4,231 |
| Loan and lease loss provision to assets | 0.0136% | 3,741 |
| Net operating income to assets | 0.5363% | 4,321 |
| Return on assets (ROA) | 0.5363% | 4,372 |
| Pretax return on assets | 0.6385% | 4,351 |
| Return on Equity (ROE) | 2.9026% | 4,677 |
| Retained earnings to average equity (ytd only) | 2.9026% | 3,575 |
| Net charge-offs to loans | -0.0025% | 4,248 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8532% | 1,282 |
| Assets per employee ($millions) | 5.5389% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 3,997 |
| Loan loss allowance to noncurrent loans | 349.5495% | 1,335 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,047 |
| Noncurrent loans to loans | 0.2549% | 3,535 |
| Net loans and leases to total assets | 45.8320% | 4,530 |
| Net loans and leases to deposits | 58.6353% | 4,349 |
| Net loans and leases to core deposits | 62.9482% | 4,325 |
| Total domestic deposits to total assets | 78.1645% | 4,335 |
| Equity capital to assets | 18.2860% | 345 |
| Core capital (leverage) ratio | 18.7842% | 285 |
| Tier 1 risk-based capital ratio | 32.9805% | 385 |
| Total risk-based capital ratio | 33.7391% | 391 |
| Memoranda: | ||
| Average total assets | $2,204,371,600 | 391 |
| Average earning assets | $2,125,740,800 | 365 |
| Average equity | $407,260,600 | 288 |
| Average total loans | $1,012,372,600 | 568 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1059% | 5,123 |
| Cost of funding earning assets | 0.6164% | 3,607 |
| Net interest margin | 2.4895% | 5,067 |
| Noninterest income to average assets | 0.4228% | 3,190 |
| Noninterest expense to average assets | 2.1413% | 4,289 |
| Loan and lease loss provision to assets | 0.0137% | 3,629 |
| Net operating income to assets | 0.5319% | 4,447 |
| Return on assets (ROA) | 0.5319% | 4,500 |
| Pretax return on assets | 0.6681% | 4,415 |
| Return on Equity (ROE) | 2.8715% | 4,783 |
| Retained earnings to average equity (ytd only) | 2.8715% | 3,943 |
| Net charge-offs to loans | -0.0021% | 4,063 |
| Credit loss provision to net charge-offs | -1,406.2500% | 4,478 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8484% | 1,351 |
| Assets per employee ($millions) | 5.4958% | 2,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,043 |
| Loan loss allowance to noncurrent loans | 111.2958% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.3722% | 3,017 |
| Noncurrent loans to loans | 0.8089% | 1,948 |
| Net loans and leases to total assets | 45.5944% | 4,626 |
| Net loans and leases to deposits | 58.7950% | 4,440 |
| Net loans and leases to core deposits | 63.1996% | 4,419 |
| Total domestic deposits to total assets | 77.5480% | 4,437 |
| Equity capital to assets | 18.3823% | 362 |
| Core capital (leverage) ratio | 18.8522% | 301 |
| Tier 1 risk-based capital ratio | 33.1757% | 390 |
| Total risk-based capital ratio | 33.9378% | 401 |
| Memoranda: | ||
| Average total assets | $2,190,498,000 | 394 |
| Average earning assets | $2,111,986,750 | 370 |
| Average equity | $405,765,750 | 289 |
| Average total loans | $1,004,202,250 | 572 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1010% | 5,183 |
| Cost of funding earning assets | 0.5911% | 3,695 |
| Net interest margin | 2.5099% | 5,124 |
| Noninterest income to average assets | 0.4162% | 3,164 |
| Noninterest expense to average assets | 2.1494% | 4,330 |
| Loan and lease loss provision to assets | 0.0138% | 3,499 |
| Net operating income to assets | 0.5331% | 4,454 |
| Return on assets (ROA) | 0.5331% | 4,484 |
| Pretax return on assets | 0.6735% | 4,396 |
| Return on Equity (ROE) | 2.8702% | 4,815 |
| Retained earnings to average equity (ytd only) | 2.8702% | 3,782 |
| Net charge-offs to loans | -0.0024% | 3,988 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7708% | 1,423 |
| Assets per employee ($millions) | 5.3275% | 2,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9096% | 4,049 |
| Loan loss allowance to noncurrent loans | 109.8126% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.3817% | 2,981 |
| Noncurrent loans to loans | 0.8283% | 1,935 |
| Net loans and leases to total assets | 45.6559% | 4,653 |
| Net loans and leases to deposits | 58.7494% | 4,486 |
| Net loans and leases to core deposits | 62.7836% | 4,469 |
| Total domestic deposits to total assets | 77.7130% | 4,451 |
| Equity capital to assets | 18.5525% | 325 |
| Core capital (leverage) ratio | 18.9514% | 282 |
| Tier 1 risk-based capital ratio | 33.0119% | 390 |
| Total risk-based capital ratio | 33.7693% | 397 |
| Memoranda: | ||
| Average total assets | $2,176,898,000 | 400 |
| Average earning assets | $2,099,372,000 | 376 |
| Average equity | $404,299,330 | 288 |
| Average total loans | $996,740,330 | 577 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0816% | 5,248 |
| Cost of funding earning assets | 0.5472% | 3,833 |
| Net interest margin | 2.5344% | 5,175 |
| Noninterest income to average assets | 0.4022% | 3,166 |
| Noninterest expense to average assets | 2.1359% | 4,407 |
| Loan and lease loss provision to assets | 0.0138% | 3,257 |
| Net operating income to assets | 0.5467% | 4,390 |
| Return on assets (ROA) | 0.5467% | 4,416 |
| Pretax return on assets | 0.6921% | 4,319 |
| Return on Equity (ROE) | 2.9421% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.9421% | 3,756 |
| Net charge-offs to loans | -0.0049% | 4,018 |
| Credit loss provision to net charge-offs | -625.0000% | 3,853 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1591% | 1,596 |
| Assets per employee ($millions) | 5.3253% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 4,063 |
| Loan loss allowance to noncurrent loans | 105.0447% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.3995% | 2,987 |
| Noncurrent loans to loans | 0.8787% | 1,890 |
| Net loans and leases to total assets | 45.0442% | 4,699 |
| Net loans and leases to deposits | 58.1727% | 4,493 |
| Net loans and leases to core deposits | 61.8408% | 4,492 |
| Total domestic deposits to total assets | 77.4318% | 4,601 |
| Equity capital to assets | 18.5185% | 309 |
| Core capital (leverage) ratio | 19.1273% | 272 |
| Tier 1 risk-based capital ratio | 33.5761% | 365 |
| Total risk-based capital ratio | 34.3456% | 369 |
| Memoranda: | ||
| Average total assets | $2,167,887,000 | 404 |
| Average earning assets | $2,086,825,500 | 381 |
| Average equity | $402,842,500 | 288 |
| Average total loans | $989,456,000 | 581 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0226% | 5,224 |
| Cost of funding earning assets | 0.3382% | 4,358 |
| Net interest margin | 2.6844% | 5,107 |
| Noninterest income to average assets | 0.4216% | 3,303 |
| Noninterest expense to average assets | 2.2628% | 4,199 |
| Loan and lease loss provision to assets | 0.0138% | 3,869 |
| Net operating income to assets | 0.6499% | 4,285 |
| Return on assets (ROA) | 0.6499% | 4,292 |
| Pretax return on assets | 0.7318% | 4,337 |
| Return on Equity (ROE) | 3.5766% | 4,801 |
| Retained earnings to average equity (ytd only) | 3.5766% | 3,618 |
| Net charge-offs to loans | 0.0061% | 3,480 |
| Credit loss provision to net charge-offs | 508.4746% | 683 |
| Earnings coverage of net charge-offs (x) | 273.9492% | 355 |
| Efficiency ratio | 75.2139% | 1,464 |
| Assets per employee ($millions) | 5.2626% | 2,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 4,085 |
| Loan loss allowance to noncurrent loans | 103.4900% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4074% | 2,928 |
| Noncurrent loans to loans | 0.8890% | 1,813 |
| Net loans and leases to total assets | 45.4002% | 4,763 |
| Net loans and leases to deposits | 58.4649% | 4,553 |
| Net loans and leases to core deposits | 61.7401% | 4,550 |
| Total domestic deposits to total assets | 77.6537% | 4,541 |
| Equity capital to assets | 18.6470% | 293 |
| Core capital (leverage) ratio | 19.0530% | 261 |
| Tier 1 risk-based capital ratio | 33.9083% | 343 |
| Total risk-based capital ratio | 34.6839% | 347 |
| Memoranda: | ||
| Average total assets | $2,167,561,800 | 391 |
| Average earning assets | $2,088,825,200 | 374 |
| Average equity | $393,835,600 | 282 |
| Average total loans | $964,570,200 | 577 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0094% | 5,284 |
| Cost of funding earning assets | 0.3102% | 4,449 |
| Net interest margin | 2.6992% | 5,164 |
| Noninterest income to average assets | 0.4186% | 3,364 |
| Noninterest expense to average assets | 2.2402% | 4,235 |
| Loan and lease loss provision to assets | 0.0138% | 3,726 |
| Net operating income to assets | 0.6301% | 4,422 |
| Return on assets (ROA) | 0.6301% | 4,436 |
| Pretax return on assets | 0.7672% | 4,378 |
| Return on Equity (ROE) | 3.4908% | 4,926 |
| Retained earnings to average equity (ytd only) | 3.4908% | 4,024 |
| Net charge-offs to loans | 0.0054% | 3,239 |
| Credit loss provision to net charge-offs | 576.9231% | 620 |
| Earnings coverage of net charge-offs (x) | 326.1200% | 291 |
| Efficiency ratio | 74.1494% | 1,572 |
| Assets per employee ($millions) | 5.3080% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9254% | 4,159 |
| Loan loss allowance to noncurrent loans | 117.2209% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 3,235 |
| Noncurrent loans to loans | 0.7895% | 2,129 |
| Net loans and leases to total assets | 45.1184% | 4,835 |
| Net loans and leases to deposits | 58.4257% | 4,628 |
| Net loans and leases to core deposits | 61.3023% | 4,647 |
| Total domestic deposits to total assets | 77.2236% | 4,609 |
| Equity capital to assets | 18.4776% | 294 |
| Core capital (leverage) ratio | 18.8137% | 279 |
| Tier 1 risk-based capital ratio | 33.7622% | 354 |
| Total risk-based capital ratio | 34.5371% | 354 |
| Memoranda: | ||
| Average total assets | $2,171,349,000 | 389 |
| Average earning assets | $2,093,636,500 | 374 |
| Average equity | $391,954,500 | 279 |
| Average total loans | $959,144,500 | 575 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9721% | 5,343 |
| Cost of funding earning assets | 0.2916% | 4,477 |
| Net interest margin | 2.6804% | 5,230 |
| Noninterest income to average assets | 0.4192% | 3,358 |
| Noninterest expense to average assets | 2.2317% | 4,296 |
| Loan and lease loss provision to assets | 0.0138% | 3,598 |
| Net operating income to assets | 0.5992% | 4,495 |
| Return on assets (ROA) | 0.5992% | 4,500 |
| Pretax return on assets | 0.7589% | 4,370 |
| Return on Equity (ROE) | 3.3455% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.3455% | 3,908 |
| Net charge-offs to loans | 0.0084% | 2,824 |
| Credit loss provision to net charge-offs | 375.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 210.4250% | 407 |
| Efficiency ratio | 74.2804% | 1,669 |
| Assets per employee ($millions) | 5.3363% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 4,192 |
| Loan loss allowance to noncurrent loans | 107.1309% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4624% | 2,888 |
| Noncurrent loans to loans | 0.8707% | 1,986 |
| Net loans and leases to total assets | 44.0394% | 4,898 |
| Net loans and leases to deposits | 56.9808% | 4,702 |
| Net loans and leases to core deposits | 59.6448% | 4,720 |
| Total domestic deposits to total assets | 77.2882% | 4,694 |
| Equity capital to assets | 18.1620% | 311 |
| Core capital (leverage) ratio | 18.5277% | 292 |
| Tier 1 risk-based capital ratio | 33.7934% | 351 |
| Total risk-based capital ratio | 34.5699% | 356 |
| Memoranda: | ||
| Average total assets | $2,178,555,000 | 391 |
| Average earning assets | $2,101,158,670 | 374 |
| Average equity | $390,200,000 | 278 |
| Average total loans | $952,531,000 | 583 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9364% | 5,399 |
| Cost of funding earning assets | 0.2805% | 4,503 |
| Net interest margin | 2.6559% | 5,283 |
| Noninterest income to average assets | 0.4144% | 3,357 |
| Noninterest expense to average assets | 2.2089% | 4,397 |
| Loan and lease loss provision to assets | 0.0137% | 3,353 |
| Net operating income to assets | 0.5870% | 4,461 |
| Return on assets (ROA) | 0.5870% | 4,470 |
| Pretax return on assets | 0.7527% | 4,282 |
| Return on Equity (ROE) | 3.3004% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.3004% | 3,886 |
| Net charge-offs to loans | 0.0004% | 2,714 |
| Credit loss provision to net charge-offs | 7,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 4,186.0000% | 12 |
| Efficiency ratio | 74.2400% | 1,866 |
| Assets per employee ($millions) | 5.3881% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9447% | 4,243 |
| Loan loss allowance to noncurrent loans | 100.1010% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 2,807 |
| Noncurrent loans to loans | 0.9438% | 1,938 |
| Net loans and leases to total assets | 43.1842% | 4,934 |
| Net loans and leases to deposits | 55.1510% | 4,736 |
| Net loans and leases to core deposits | 57.5025% | 4,774 |
| Total domestic deposits to total assets | 78.3018% | 4,687 |
| Equity capital to assets | 18.0127% | 314 |
| Core capital (leverage) ratio | 18.1928% | 301 |
| Tier 1 risk-based capital ratio | 33.9193% | 351 |
| Total risk-based capital ratio | 34.7021% | 355 |
| Memoranda: | ||
| Average total assets | $2,184,572,500 | 391 |
| Average earning assets | $2,106,522,000 | 377 |
| Average equity | $388,558,500 | 283 |
| Average total loans | $947,243,000 | 588 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8860% | 5,421 |
| Cost of funding earning assets | 0.2901% | 4,223 |
| Net interest margin | 2.5959% | 5,355 |
| Noninterest income to average assets | 0.4270% | 3,462 |
| Noninterest expense to average assets | 2.0917% | 4,783 |
| Loan and lease loss provision to assets | 0.0136% | 4,017 |
| Net operating income to assets | 0.4566% | 4,506 |
| Return on assets (ROA) | 0.4566% | 4,540 |
| Pretax return on assets | 0.8230% | 4,192 |
| Return on Equity (ROE) | 2.6314% | 4,920 |
| Retained earnings to average equity (ytd only) | 2.6314% | 3,745 |
| Net charge-offs to loans | 0.0550% | 2,700 |
| Credit loss provision to net charge-offs | 57.6923% | 3,239 |
| Earnings coverage of net charge-offs (x) | 35.5173% | 1,362 |
| Efficiency ratio | 71.4323% | 2,313 |
| Assets per employee ($millions) | 5.3998% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9317% | 4,309 |
| Loan loss allowance to noncurrent loans | 120.7282% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 3,126 |
| Noncurrent loans to loans | 0.7717% | 2,282 |
| Net loans and leases to total assets | 42.7272% | 5,045 |
| Net loans and leases to deposits | 53.9260% | 4,902 |
| Net loans and leases to core deposits | 56.3446% | 4,924 |
| Total domestic deposits to total assets | 79.2329% | 4,494 |
| Equity capital to assets | 17.5640% | 354 |
| Core capital (leverage) ratio | 17.9006% | 300 |
| Tier 1 risk-based capital ratio | 33.2228% | 365 |
| Total risk-based capital ratio | 33.9895% | 370 |
| Memoranda: | ||
| Average total assets | $2,207,778,600 | 378 |
| Average earning assets | $2,127,255,000 | 361 |
| Average equity | $383,098,000 | 275 |
| Average total loans | $944,646,800 | 563 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8744% | 5,489 |
| Cost of funding earning assets | 0.2894% | 4,234 |
| Net interest margin | 2.5849% | 5,415 |
| Noninterest income to average assets | 0.4313% | 3,466 |
| Noninterest expense to average assets | 2.0809% | 4,777 |
| Loan and lease loss provision to assets | 0.0136% | 3,876 |
| Net operating income to assets | 0.5432% | 4,604 |
| Return on assets (ROA) | 0.5432% | 4,636 |
| Pretax return on assets | 0.8273% | 4,278 |
| Return on Equity (ROE) | 3.1398% | 5,076 |
| Retained earnings to average equity (ytd only) | 3.1398% | 4,037 |
| Net charge-offs to loans | 0.0023% | 3,683 |
| Credit loss provision to net charge-offs | 1,406.2500% | 264 |
| Earnings coverage of net charge-offs (x) | 870.8645% | 115 |
| Efficiency ratio | 71.2190% | 2,337 |
| Assets per employee ($millions) | 5.4264% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 4,133 |
| Loan loss allowance to noncurrent loans | 89.7910% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 3,160 |
| Noncurrent loans to loans | 1.0995% | 1,747 |
| Net loans and leases to total assets | 42.1361% | 5,109 |
| Net loans and leases to deposits | 53.9008% | 4,969 |
| Net loans and leases to core deposits | 56.4252% | 4,978 |
| Total domestic deposits to total assets | 78.1735% | 4,698 |
| Equity capital to assets | 17.5099% | 377 |
| Core capital (leverage) ratio | 17.8700% | 311 |
| Tier 1 risk-based capital ratio | 33.4630% | 367 |
| Total risk-based capital ratio | 34.2767% | 371 |
| Memoranda: | ||
| Average total assets | $2,208,943,750 | 378 |
| Average earning assets | $2,128,216,750 | 361 |
| Average equity | $382,133,500 | 278 |
| Average total loans | $943,262,750 | 567 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8633% | 5,529 |
| Cost of funding earning assets | 0.2898% | 4,188 |
| Net interest margin | 2.5735% | 5,455 |
| Noninterest income to average assets | 0.4330% | 3,466 |
| Noninterest expense to average assets | 2.0788% | 4,812 |
| Loan and lease loss provision to assets | 0.0136% | 3,681 |
| Net operating income to assets | 0.5306% | 4,609 |
| Return on assets (ROA) | 0.5306% | 4,640 |
| Pretax return on assets | 0.8200% | 4,202 |
| Return on Equity (ROE) | 3.0798% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.0798% | 3,877 |
| Net charge-offs to loans | 0.0038% | 3,358 |
| Credit loss provision to net charge-offs | 833.3333% | 441 |
| Earnings coverage of net charge-offs (x) | 511.5000% | 165 |
| Efficiency ratio | 71.3784% | 2,458 |
| Assets per employee ($millions) | 5.4639% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9985% | 4,157 |
| Loan loss allowance to noncurrent loans | 96.6456% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4481% | 3,321 |
| Noncurrent loans to loans | 1.0331% | 1,900 |
| Net loans and leases to total assets | 42.6840% | 5,111 |
| Net loans and leases to deposits | 54.2020% | 4,954 |
| Net loans and leases to core deposits | 56.7435% | 4,965 |
| Total domestic deposits to total assets | 78.7498% | 4,680 |
| Equity capital to assets | 17.4198% | 370 |
| Core capital (leverage) ratio | 17.7521% | 311 |
| Tier 1 risk-based capital ratio | 32.7300% | 379 |
| Total risk-based capital ratio | 33.5259% | 383 |
| Memoranda: | ||
| Average total assets | $2,209,074,670 | 382 |
| Average earning assets | $2,128,234,000 | 363 |
| Average equity | $380,606,670 | 280 |
| Average total loans | $944,391,330 | 572 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8475% | 5,574 |
| Cost of funding earning assets | 0.2903% | 4,140 |
| Net interest margin | 2.5571% | 5,497 |
| Noninterest income to average assets | 0.4190% | 3,525 |
| Noninterest expense to average assets | 2.0665% | 4,912 |
| Loan and lease loss provision to assets | 0.0136% | 3,391 |
| Net operating income to assets | 0.5085% | 4,564 |
| Return on assets (ROA) | 0.5085% | 4,594 |
| Pretax return on assets | 0.8021% | 4,104 |
| Return on Equity (ROE) | 2.9679% | 5,105 |
| Retained earnings to average equity (ytd only) | 2.9679% | 3,925 |
| Net charge-offs to loans | 0.0051% | 2,795 |
| Credit loss provision to net charge-offs | 625.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 376.0000% | 152 |
| Efficiency ratio | 71.6992% | 2,627 |
| Assets per employee ($millions) | 5.5386% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 4,317 |
| Loan loss allowance to noncurrent loans | 150.6564% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 4,076 |
| Noncurrent loans to loans | 0.6612% | 2,848 |
| Net loans and leases to total assets | 42.3209% | 5,140 |
| Net loans and leases to deposits | 53.4798% | 4,967 |
| Net loans and leases to core deposits | 56.0062% | 4,972 |
| Total domestic deposits to total assets | 79.1344% | 4,800 |
| Equity capital to assets | 17.2192% | 364 |
| Core capital (leverage) ratio | 17.5976% | 312 |
| Tier 1 risk-based capital ratio | 32.7797% | 387 |
| Total risk-based capital ratio | 33.5773% | 396 |
| Memoranda: | ||
| Average total assets | $2,212,634,000 | 380 |
| Average earning assets | $2,131,287,500 | 363 |
| Average equity | $379,122,000 | 280 |
| Average total loans | $941,906,500 | 577 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9012% | 5,578 |
| Cost of funding earning assets | 0.3071% | 3,988 |
| Net interest margin | 2.5941% | 5,522 |
| Noninterest income to average assets | 0.4682% | 3,422 |
| Noninterest expense to average assets | 2.0555% | 5,087 |
| Loan and lease loss provision to assets | 0.0275% | 3,806 |
| Net operating income to assets | 0.5628% | 4,376 |
| Return on assets (ROA) | 0.5628% | 4,476 |
| Pretax return on assets | 0.8837% | 3,897 |
| Return on Equity (ROE) | 3.3103% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.3103% | 3,560 |
| Net charge-offs to loans | 0.0159% | 3,766 |
| Credit loss provision to net charge-offs | 405.4054% | 785 |
| Earnings coverage of net charge-offs (x) | 134.5541% | 466 |
| Efficiency ratio | 69.2856% | 3,026 |
| Assets per employee ($millions) | 5.5109% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 4,362 |
| Loan loss allowance to noncurrent loans | 151.2866% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2789% | 4,159 |
| Noncurrent loans to loans | 0.6579% | 2,882 |
| Net loans and leases to total assets | 41.9707% | 5,232 |
| Net loans and leases to deposits | 52.7293% | 5,078 |
| Net loans and leases to core deposits | 55.2476% | 5,088 |
| Total domestic deposits to total assets | 79.5965% | 4,659 |
| Equity capital to assets | 17.0498% | 383 |
| Core capital (leverage) ratio | 17.4252% | 321 |
| Tier 1 risk-based capital ratio | 32.3960% | 398 |
| Total risk-based capital ratio | 33.1848% | 405 |
| Memoranda: | ||
| Average total assets | $2,185,495,200 | 372 |
| Average earning assets | $2,104,858,400 | 356 |
| Average equity | $371,595,200 | 269 |
| Average total loans | $930,725,600 | 548 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9063% | 5,643 |
| Cost of funding earning assets | 0.3095% | 3,982 |
| Net interest margin | 2.5969% | 5,590 |
| Noninterest income to average assets | 0.4545% | 3,529 |
| Noninterest expense to average assets | 2.0526% | 5,101 |
| Loan and lease loss provision to assets | 0.0275% | 3,689 |
| Net operating income to assets | 0.5562% | 4,469 |
| Return on assets (ROA) | 0.5562% | 4,580 |
| Pretax return on assets | 0.8754% | 4,063 |
| Return on Equity (ROE) | 3.2736% | 5,153 |
| Retained earnings to average equity (ytd only) | 3.2736% | 3,941 |
| Net charge-offs to loans | 0.0090% | 3,613 |
| Credit loss provision to net charge-offs | 714.2857% | 551 |
| Earnings coverage of net charge-offs (x) | 234.1370% | 336 |
| Efficiency ratio | 69.4482% | 2,978 |
| Assets per employee ($millions) | 5.5695% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 4,488 |
| Loan loss allowance to noncurrent loans | 139.1754% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 4,200 |
| Noncurrent loans to loans | 0.7086% | 2,911 |
| Net loans and leases to total assets | 42.4748% | 5,272 |
| Net loans and leases to deposits | 53.7677% | 5,123 |
| Net loans and leases to core deposits | 56.4226% | 5,126 |
| Total domestic deposits to total assets | 78.9968% | 4,725 |
| Equity capital to assets | 17.0743% | 425 |
| Core capital (leverage) ratio | 17.4185% | 335 |
| Tier 1 risk-based capital ratio | 32.0529% | 411 |
| Total risk-based capital ratio | 32.8345% | 418 |
| Memoranda: | ||
| Average total assets | $2,178,028,000 | 375 |
| Average earning assets | $2,097,769,000 | 355 |
| Average equity | $370,065,000 | 270 |
| Average total loans | $928,619,000 | 545 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9038% | 5,731 |
| Cost of funding earning assets | 0.3144% | 3,971 |
| Net interest margin | 2.5894% | 5,674 |
| Noninterest income to average assets | 0.4563% | 3,481 |
| Noninterest expense to average assets | 2.0575% | 5,152 |
| Loan and lease loss provision to assets | 0.0276% | 3,573 |
| Net operating income to assets | 0.5486% | 4,485 |
| Return on assets (ROA) | 0.5486% | 4,592 |
| Pretax return on assets | 0.8650% | 4,068 |
| Return on Equity (ROE) | 3.2339% | 5,178 |
| Retained earnings to average equity (ytd only) | 3.2339% | 3,832 |
| Net charge-offs to loans | 0.0138% | 3,262 |
| Credit loss provision to net charge-offs | 468.7500% | 692 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 410 |
| Efficiency ratio | 69.7435% | 3,024 |
| Assets per employee ($millions) | 5.5608% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 4,690 |
| Loan loss allowance to noncurrent loans | 129.3301% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 4,201 |
| Noncurrent loans to loans | 0.7478% | 2,871 |
| Net loans and leases to total assets | 42.9000% | 5,289 |
| Net loans and leases to deposits | 54.1917% | 5,125 |
| Net loans and leases to core deposits | 56.9230% | 5,128 |
| Total domestic deposits to total assets | 79.1634% | 4,738 |
| Equity capital to assets | 17.0447% | 427 |
| Core capital (leverage) ratio | 17.1596% | 354 |
| Tier 1 risk-based capital ratio | 31.7299% | 427 |
| Total risk-based capital ratio | 32.4973% | 442 |
| Memoranda: | ||
| Average total assets | $2,172,581,330 | 376 |
| Average earning assets | $2,092,321,330 | 359 |
| Average equity | $368,528,670 | 270 |
| Average total loans | $924,380,000 | 546 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9024% | 5,784 |
| Cost of funding earning assets | 0.3125% | 4,032 |
| Net interest margin | 2.5900% | 5,730 |
| Noninterest income to average assets | 0.4328% | 3,596 |
| Noninterest expense to average assets | 2.0633% | 5,194 |
| Loan and lease loss provision to assets | 0.0277% | 3,300 |
| Net operating income to assets | 0.5280% | 4,513 |
| Return on assets (ROA) | 0.5280% | 4,622 |
| Pretax return on assets | 0.8351% | 4,080 |
| Return on Equity (ROE) | 3.1203% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.1203% | 3,959 |
| Net charge-offs to loans | 0.0009% | 3,082 |
| Credit loss provision to net charge-offs | 7,500.0000% | 42 |
| Earnings coverage of net charge-offs (x) | 2,339.0000% | 12 |
| Efficiency ratio | 70.5156% | 3,041 |
| Assets per employee ($millions) | 5.4351% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9925% | 4,645 |
| Loan loss allowance to noncurrent loans | 123.7379% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 4,214 |
| Noncurrent loans to loans | 0.8021% | 2,831 |
| Net loans and leases to total assets | 41.6010% | 5,370 |
| Net loans and leases to deposits | 52.3435% | 5,206 |
| Net loans and leases to core deposits | 55.1612% | 5,180 |
| Total domestic deposits to total assets | 79.4768% | 4,862 |
| Equity capital to assets | 16.9901% | 418 |
| Core capital (leverage) ratio | 17.3524% | 342 |
| Tier 1 risk-based capital ratio | 32.8425% | 400 |
| Total risk-based capital ratio | 33.6357% | 406 |
| Memoranda: | ||
| Average total assets | $2,168,954,500 | 376 |
| Average earning assets | $2,087,892,000 | 360 |
| Average equity | $367,019,500 | 271 |
| Average total loans | $914,429,500 | 550 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0101% | 5,716 |
| Cost of funding earning assets | 0.3320% | 3,884 |
| Net interest margin | 2.6781% | 5,674 |
| Noninterest income to average assets | 0.4459% | 3,702 |
| Noninterest expense to average assets | 2.0752% | 5,300 |
| Loan and lease loss provision to assets | 0.0281% | 3,810 |
| Net operating income to assets | 0.5868% | 4,346 |
| Return on assets (ROA) | 0.5868% | 4,439 |
| Pretax return on assets | 0.9201% | 3,763 |
| Return on Equity (ROE) | 3.4826% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.4826% | 3,580 |
| Net charge-offs to loans | 0.0126% | 4,050 |
| Credit loss provision to net charge-offs | 517.2414% | 629 |
| Earnings coverage of net charge-offs (x) | 174.6552% | 373 |
| Efficiency ratio | 68.6378% | 3,459 |
| Assets per employee ($millions) | 5.3829% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9694% | 4,773 |
| Loan loss allowance to noncurrent loans | 182.6694% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 4,691 |
| Noncurrent loans to loans | 0.5307% | 3,578 |
| Net loans and leases to total assets | 41.8917% | 5,414 |
| Net loans and leases to deposits | 52.6873% | 5,245 |
| Net loans and leases to core deposits | 55.5714% | 5,224 |
| Total domestic deposits to total assets | 79.5101% | 4,866 |
| Equity capital to assets | 16.8529% | 429 |
| Core capital (leverage) ratio | 17.2703% | 335 |
| Tier 1 risk-based capital ratio | 32.4838% | 415 |
| Total risk-based capital ratio | 33.2614% | 423 |
| Memoranda: | ||
| Average total assets | $2,136,661,400 | 367 |
| Average earning assets | $2,056,368,800 | 349 |
| Average equity | $359,994,400 | 268 |
| Average total loans | $923,158,200 | 517 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0221% | 5,792 |
| Cost of funding earning assets | 0.3360% | 3,911 |
| Net interest margin | 2.6861% | 5,740 |
| Noninterest income to average assets | 0.4409% | 3,785 |
| Noninterest expense to average assets | 2.0830% | 5,315 |
| Loan and lease loss provision to assets | 0.0282% | 3,675 |
| Net operating income to assets | 0.5868% | 4,446 |
| Return on assets (ROA) | 0.5868% | 4,542 |
| Pretax return on assets | 0.9152% | 3,934 |
| Return on Equity (ROE) | 3.4828% | 5,223 |
| Retained earnings to average equity (ytd only) | 3.4828% | 3,990 |
| Net charge-offs to loans | 0.0153% | 3,648 |
| Credit loss provision to net charge-offs | 424.5283% | 727 |
| Earnings coverage of net charge-offs (x) | 142.0753% | 486 |
| Efficiency ratio | 68.8283% | 3,403 |
| Assets per employee ($millions) | 5.2794% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 5,012 |
| Loan loss allowance to noncurrent loans | 169.8545% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 4,797 |
| Noncurrent loans to loans | 0.5546% | 3,669 |
| Net loans and leases to total assets | 43.0634% | 5,418 |
| Net loans and leases to deposits | 54.6943% | 5,205 |
| Net loans and leases to core deposits | 57.7401% | 5,201 |
| Total domestic deposits to total assets | 78.7347% | 5,043 |
| Equity capital to assets | 16.9919% | 432 |
| Core capital (leverage) ratio | 17.2538% | 356 |
| Tier 1 risk-based capital ratio | 31.4940% | 459 |
| Total risk-based capital ratio | 32.2425% | 464 |
| Memoranda: | ||
| Average total assets | $2,128,503,500 | 373 |
| Average earning assets | $2,048,709,000 | 352 |
| Average equity | $358,596,000 | 272 |
| Average total loans | $924,535,250 | 521 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0244% | 5,835 |
| Cost of funding earning assets | 0.3400% | 3,923 |
| Net interest margin | 2.6844% | 5,785 |
| Noninterest income to average assets | 0.4482% | 3,720 |
| Noninterest expense to average assets | 2.0877% | 5,365 |
| Loan and lease loss provision to assets | 0.0282% | 3,561 |
| Net operating income to assets | 0.5850% | 4,416 |
| Return on assets (ROA) | 0.5850% | 4,510 |
| Pretax return on assets | 0.9153% | 3,899 |
| Return on Equity (ROE) | 3.4821% | 5,238 |
| Retained earnings to average equity (ytd only) | 3.4821% | 3,824 |
| Net charge-offs to loans | 0.0158% | 3,389 |
| Credit loss provision to net charge-offs | 410.9589% | 731 |
| Earnings coverage of net charge-offs (x) | 137.3425% | 460 |
| Efficiency ratio | 68.8740% | 3,515 |
| Assets per employee ($millions) | 5.1925% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 5,172 |
| Loan loss allowance to noncurrent loans | 165.9431% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2451% | 4,893 |
| Noncurrent loans to loans | 0.5622% | 3,769 |
| Net loans and leases to total assets | 43.1971% | 5,427 |
| Net loans and leases to deposits | 54.7069% | 5,211 |
| Net loans and leases to core deposits | 57.8607% | 5,210 |
| Total domestic deposits to total assets | 78.9609% | 5,103 |
| Equity capital to assets | 16.9590% | 424 |
| Core capital (leverage) ratio | 17.0501% | 361 |
| Tier 1 risk-based capital ratio | 31.5062% | 477 |
| Total risk-based capital ratio | 32.2513% | 488 |
| Memoranda: | ||
| Average total assets | $2,125,286,670 | 371 |
| Average earning assets | $2,044,975,330 | 349 |
| Average equity | $357,023,330 | 273 |
| Average total loans | $922,874,670 | 513 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0024% | 5,889 |
| Cost of funding earning assets | 0.3452% | 3,925 |
| Net interest margin | 2.6572% | 5,851 |
| Noninterest income to average assets | 0.4387% | 3,702 |
| Noninterest expense to average assets | 2.0778% | 5,433 |
| Loan and lease loss provision to assets | 0.0282% | 3,310 |
| Net operating income to assets | 0.5669% | 4,416 |
| Return on assets (ROA) | 0.5669% | 4,517 |
| Pretax return on assets | 0.8861% | 3,942 |
| Return on Equity (ROE) | 3.3906% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.3906% | 3,945 |
| Net charge-offs to loans | 0.0061% | 3,118 |
| Credit loss provision to net charge-offs | 1,071.4286% | 318 |
| Earnings coverage of net charge-offs (x) | 347.1429% | 162 |
| Efficiency ratio | 69.4416% | 3,590 |
| Assets per employee ($millions) | 5.1987% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 5,347 |
| Loan loss allowance to noncurrent loans | 88.7735% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 4,154 |
| Noncurrent loans to loans | 1.0430% | 2,676 |
| Net loans and leases to total assets | 43.0175% | 5,427 |
| Net loans and leases to deposits | 53.8541% | 5,203 |
| Net loans and leases to core deposits | 57.0232% | 5,187 |
| Total domestic deposits to total assets | 79.8779% | 5,077 |
| Equity capital to assets | 16.7880% | 457 |
| Core capital (leverage) ratio | 17.1349% | 347 |
| Tier 1 risk-based capital ratio | 31.4618% | 478 |
| Total risk-based capital ratio | 32.2045% | 493 |
| Memoranda: | ||
| Average total assets | $2,126,065,500 | 369 |
| Average earning assets | $2,043,060,500 | 348 |
| Average equity | $355,453,500 | 271 |
| Average total loans | $921,298,000 | 509 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0757% | 5,988 |
| Cost of funding earning assets | 0.3920% | 3,767 |
| Net interest margin | 2.6836% | 5,965 |
| Noninterest income to average assets | 0.4422% | 3,884 |
| Noninterest expense to average assets | 2.0592% | 5,660 |
| Loan and lease loss provision to assets | 0.0425% | 3,716 |
| Net operating income to assets | 0.5911% | 4,413 |
| Return on assets (ROA) | 0.5911% | 4,496 |
| Pretax return on assets | 0.9145% | 3,853 |
| Return on Equity (ROE) | 3.5968% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.5968% | 3,656 |
| Net charge-offs to loans | 0.0547% | 3,742 |
| Credit loss provision to net charge-offs | 178.5714% | 1,361 |
| Earnings coverage of net charge-offs (x) | 40.2163% | 1,081 |
| Efficiency ratio | 68.2717% | 3,852 |
| Assets per employee ($millions) | 5.1473% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 5,424 |
| Loan loss allowance to noncurrent loans | 86.8201% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4699% | 4,239 |
| Noncurrent loans to loans | 1.0539% | 2,716 |
| Net loans and leases to total assets | 42.8517% | 5,553 |
| Net loans and leases to deposits | 53.5779% | 5,364 |
| Net loans and leases to core deposits | 56.7959% | 5,329 |
| Total domestic deposits to total assets | 79.9801% | 5,022 |
| Equity capital to assets | 16.6497% | 459 |
| Core capital (leverage) ratio | 16.8909% | 380 |
| Tier 1 risk-based capital ratio | 32.6510% | 406 |
| Total risk-based capital ratio | 33.4159% | 417 |
| Memoranda: | ||
| Average total assets | $2,117,986,000 | 357 |
| Average earning assets | $2,031,458,200 | 333 |
| Average equity | $348,058,200 | 265 |
| Average total loans | $921,681,200 | 483 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0795% | 6,057 |
| Cost of funding earning assets | 0.3954% | 3,839 |
| Net interest margin | 2.6841% | 6,024 |
| Noninterest income to average assets | 0.4423% | 3,942 |
| Noninterest expense to average assets | 2.0653% | 5,649 |
| Loan and lease loss provision to assets | 0.0473% | 3,432 |
| Net operating income to assets | 0.5828% | 4,522 |
| Return on assets (ROA) | 0.5828% | 4,608 |
| Pretax return on assets | 0.9035% | 3,966 |
| Return on Equity (ROE) | 3.5584% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.5584% | 4,116 |
| Net charge-offs to loans | 0.0363% | 3,762 |
| Credit loss provision to net charge-offs | 298.8048% | 913 |
| Earnings coverage of net charge-offs (x) | 60.1152% | 859 |
| Efficiency ratio | 68.4766% | 3,767 |
| Assets per employee ($millions) | 5.1893% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 5,520 |
| Loan loss allowance to noncurrent loans | 81.7100% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4943% | 4,406 |
| Noncurrent loans to loans | 1.1291% | 2,802 |
| Net loans and leases to total assets | 42.1575% | 5,655 |
| Net loans and leases to deposits | 52.8854% | 5,471 |
| Net loans and leases to core deposits | 56.2069% | 5,433 |
| Total domestic deposits to total assets | 79.7148% | 5,172 |
| Equity capital to assets | 16.1917% | 533 |
| Core capital (leverage) ratio | 16.4032% | 429 |
| Tier 1 risk-based capital ratio | 32.3356% | 429 |
| Total risk-based capital ratio | 33.1095% | 437 |
| Memoranda: | ||
| Average total assets | $2,116,021,500 | 353 |
| Average earning assets | $2,028,961,500 | 329 |
| Average equity | $346,586,000 | 260 |
| Average total loans | $922,258,500 | 481 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1127% | 6,050 |
| Cost of funding earning assets | 0.3952% | 3,910 |
| Net interest margin | 2.7175% | 6,033 |
| Noninterest income to average assets | 0.4474% | 3,892 |
| Noninterest expense to average assets | 2.0899% | 5,644 |
| Loan and lease loss provision to assets | 0.0572% | 3,149 |
| Net operating income to assets | 0.5844% | 4,434 |
| Return on assets (ROA) | 0.5844% | 4,528 |
| Pretax return on assets | 0.9026% | 3,880 |
| Return on Equity (ROE) | 3.5538% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.5538% | 3,933 |
| Net charge-offs to loans | 0.0653% | 3,062 |
| Credit loss provision to net charge-offs | 199.3355% | 1,179 |
| Earnings coverage of net charge-offs (x) | 33.4551% | 1,181 |
| Efficiency ratio | 68.5273% | 3,915 |
| Assets per employee ($millions) | 5.0025% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9041% | 5,710 |
| Loan loss allowance to noncurrent loans | 81.2170% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 4,504 |
| Noncurrent loans to loans | 1.1132% | 2,996 |
| Net loans and leases to total assets | 43.3756% | 5,574 |
| Net loans and leases to deposits | 54.3187% | 5,330 |
| Net loans and leases to core deposits | 58.0273% | 5,272 |
| Total domestic deposits to total assets | 79.8539% | 5,277 |
| Equity capital to assets | 16.5680% | 471 |
| Core capital (leverage) ratio | 16.7863% | 381 |
| Tier 1 risk-based capital ratio | 32.3408% | 430 |
| Total risk-based capital ratio | 33.1034% | 441 |
| Memoranda: | ||
| Average total assets | $2,098,321,000 | 352 |
| Average earning assets | $2,009,364,670 | 328 |
| Average equity | $345,042,330 | 257 |
| Average total loans | $922,024,000 | 476 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1109% | 6,105 |
| Cost of funding earning assets | 0.3971% | 4,009 |
| Net interest margin | 2.7138% | 6,094 |
| Noninterest income to average assets | 0.4435% | 3,837 |
| Noninterest expense to average assets | 2.0811% | 5,718 |
| Loan and lease loss provision to assets | 0.0572% | 2,971 |
| Net operating income to assets | 0.5894% | 4,239 |
| Return on assets (ROA) | 0.5894% | 4,317 |
| Pretax return on assets | 0.9034% | 3,685 |
| Return on Equity (ROE) | 3.5981% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.5981% | 3,972 |
| Net charge-offs to loans | 0.0212% | 3,154 |
| Credit loss provision to net charge-offs | 612.2449% | 457 |
| Earnings coverage of net charge-offs (x) | 102.7755% | 447 |
| Efficiency ratio | 68.4184% | 4,109 |
| Assets per employee ($millions) | 4.9833% | 2,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 5,887 |
| Loan loss allowance to noncurrent loans | 132.9955% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 4,784 |
| Noncurrent loans to loans | 0.6716% | 4,181 |
| Net loans and leases to total assets | 43.7207% | 5,537 |
| Net loans and leases to deposits | 54.6847% | 5,220 |
| Net loans and leases to core deposits | 58.3561% | 5,177 |
| Total domestic deposits to total assets | 79.9506% | 5,491 |
| Equity capital to assets | 16.4474% | 469 |
| Core capital (leverage) ratio | 16.6660% | 399 |
| Tier 1 risk-based capital ratio | 31.6276% | 459 |
| Total risk-based capital ratio | 32.3755% | 478 |
| Memoranda: | ||
| Average total assets | $2,096,962,500 | 354 |
| Average earning assets | $2,007,672,500 | 329 |
| Average equity | $343,513,500 | 256 |
| Average total loans | $923,209,500 | 476 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1793% | 6,160 |
| Cost of funding earning assets | 0.4364% | 4,249 |
| Net interest margin | 2.7429% | 6,082 |
| Noninterest income to average assets | 0.4565% | 4,046 |
| Noninterest expense to average assets | 2.0885% | 5,855 |
| Loan and lease loss provision to assets | 0.0817% | 3,477 |
| Net operating income to assets | 0.6070% | 4,235 |
| Return on assets (ROA) | 0.6070% | 4,354 |
| Pretax return on assets | 0.9130% | 3,710 |
| Return on Equity (ROE) | 3.7638% | 5,208 |
| Retained earnings to average equity (ytd only) | 3.7638% | 3,531 |
| Net charge-offs to loans | 0.1785% | 3,041 |
| Credit loss provision to net charge-offs | 105.0031% | 2,301 |
| Earnings coverage of net charge-offs (x) | 12.7795% | 2,097 |
| Efficiency ratio | 67.7359% | 4,248 |
| Assets per employee ($millions) | 4.9667% | 2,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 6,005 |
| Loan loss allowance to noncurrent loans | 131.4961% | 2,960 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 4,864 |
| Noncurrent loans to loans | 0.6620% | 4,314 |
| Net loans and leases to total assets | 43.5548% | 5,715 |
| Net loans and leases to deposits | 54.4041% | 5,438 |
| Net loans and leases to core deposits | 58.2224% | 5,377 |
| Total domestic deposits to total assets | 80.0578% | 5,434 |
| Equity capital to assets | 16.3155% | 481 |
| Core capital (leverage) ratio | 16.5344% | 413 |
| Tier 1 risk-based capital ratio | 31.4769% | 446 |
| Total risk-based capital ratio | 32.2050% | 457 |
| Memoranda: | ||
| Average total assets | $2,079,855,400 | 342 |
| Average earning assets | $1,991,739,000 | 326 |
| Average equity | $335,431,000 | 249 |
| Average total loans | $907,151,200 | 464 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1984% | 6,197 |
| Cost of funding earning assets | 0.4434% | 4,346 |
| Net interest margin | 2.7550% | 6,086 |
| Noninterest income to average assets | 0.4608% | 4,070 |
| Noninterest expense to average assets | 2.0830% | 5,865 |
| Loan and lease loss provision to assets | 0.0578% | 3,897 |
| Net operating income to assets | 0.6180% | 4,263 |
| Return on assets (ROA) | 0.6180% | 4,394 |
| Pretax return on assets | 0.9585% | 3,654 |
| Return on Equity (ROE) | 3.8434% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.8434% | 3,948 |
| Net charge-offs to loans | 0.1270% | 3,258 |
| Credit loss provision to net charge-offs | 104.5296% | 2,240 |
| Earnings coverage of net charge-offs (x) | 18.3775% | 1,686 |
| Efficiency ratio | 67.2083% | 4,262 |
| Assets per employee ($millions) | 4.9280% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 6,138 |
| Loan loss allowance to noncurrent loans | 104.2489% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 5,291 |
| Noncurrent loans to loans | 0.8319% | 4,168 |
| Net loans and leases to total assets | 43.8304% | 5,738 |
| Net loans and leases to deposits | 55.0985% | 5,448 |
| Net loans and leases to core deposits | 59.1195% | 5,362 |
| Total domestic deposits to total assets | 79.5491% | 5,624 |
| Equity capital to assets | 16.2786% | 501 |
| Core capital (leverage) ratio | 16.5201% | 429 |
| Tier 1 risk-based capital ratio | 31.4422% | 458 |
| Total risk-based capital ratio | 32.1720% | 470 |
| Memoranda: | ||
| Average total assets | $2,075,827,750 | 343 |
| Average earning assets | $1,987,992,000 | 326 |
| Average equity | $333,796,750 | 249 |
| Average total loans | $903,711,750 | 465 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2404% | 6,174 |
| Cost of funding earning assets | 0.4483% | 4,447 |
| Net interest margin | 2.7921% | 6,019 |
| Noninterest income to average assets | 0.4346% | 4,283 |
| Noninterest expense to average assets | 2.0623% | 5,937 |
| Loan and lease loss provision to assets | 0.0578% | 3,848 |
| Net operating income to assets | 0.6358% | 4,128 |
| Return on assets (ROA) | 0.6358% | 4,277 |
| Pretax return on assets | 0.9866% | 3,569 |
| Return on Equity (ROE) | 3.9703% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.9703% | 3,765 |
| Net charge-offs to loans | 0.1207% | 3,157 |
| Credit loss provision to net charge-offs | 110.7011% | 2,002 |
| Earnings coverage of net charge-offs (x) | 19.9889% | 1,486 |
| Efficiency ratio | 66.3812% | 4,480 |
| Assets per employee ($millions) | 4.8851% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8720% | 6,216 |
| Loan loss allowance to noncurrent loans | 97.9654% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 5,276 |
| Noncurrent loans to loans | 0.8901% | 4,146 |
| Net loans and leases to total assets | 43.8666% | 5,750 |
| Net loans and leases to deposits | 54.8135% | 5,449 |
| Net loans and leases to core deposits | 58.9459% | 5,350 |
| Total domestic deposits to total assets | 80.0288% | 5,599 |
| Equity capital to assets | 16.1978% | 502 |
| Core capital (leverage) ratio | 16.4402% | 422 |
| Tier 1 risk-based capital ratio | 31.1869% | 466 |
| Total risk-based capital ratio | 31.9189% | 489 |
| Memoranda: | ||
| Average total assets | $2,074,565,330 | 345 |
| Average earning assets | $1,985,453,670 | 328 |
| Average equity | $332,218,330 | 254 |
| Average total loans | $898,456,670 | 466 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2200% | 6,277 |
| Cost of funding earning assets | 0.4565% | 4,521 |
| Net interest margin | 2.7635% | 6,106 |
| Noninterest income to average assets | 0.4321% | 4,235 |
| Noninterest expense to average assets | 2.0407% | 6,027 |
| Loan and lease loss provision to assets | 0.0578% | 3,666 |
| Net operating income to assets | 0.6423% | 4,003 |
| Return on assets (ROA) | 0.6423% | 4,163 |
| Pretax return on assets | 0.9766% | 3,454 |
| Return on Equity (ROE) | 4.0342% | 5,073 |
| Retained earnings to average equity (ytd only) | 4.0342% | 3,810 |
| Net charge-offs to loans | 0.2195% | 2,112 |
| Credit loss provision to net charge-offs | 61.4754% | 2,424 |
| Earnings coverage of net charge-offs (x) | 11.0020% | 1,691 |
| Efficiency ratio | 66.3618% | 4,604 |
| Assets per employee ($millions) | 4.9342% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 6,331 |
| Loan loss allowance to noncurrent loans | 89.6436% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 5,289 |
| Noncurrent loans to loans | 0.9678% | 4,198 |
| Net loans and leases to total assets | 42.6125% | 5,795 |
| Net loans and leases to deposits | 52.8709% | 5,537 |
| Net loans and leases to core deposits | 57.0239% | 5,432 |
| Total domestic deposits to total assets | 80.5973% | 5,604 |
| Equity capital to assets | 15.9941% | 564 |
| Core capital (leverage) ratio | 16.2358% | 428 |
| Tier 1 risk-based capital ratio | 31.4716% | 468 |
| Total risk-based capital ratio | 32.1945% | 483 |
| Memoranda: | ||
| Average total assets | $2,076,198,000 | 346 |
| Average earning assets | $1,985,583,000 | 330 |
| Average equity | $330,575,500 | 260 |
| Average total loans | $889,384,000 | 469 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4395% | 6,434 |
| Cost of funding earning assets | 0.5673% | 4,669 |
| Net interest margin | 2.8722% | 6,278 |
| Noninterest income to average assets | 0.4292% | 4,387 |
| Noninterest expense to average assets | 2.1190% | 6,087 |
| Loan and lease loss provision to assets | 0.0925% | 4,519 |
| Net operating income to assets | 0.6104% | 4,190 |
| Return on assets (ROA) | 0.6104% | 4,451 |
| Pretax return on assets | 0.9604% | 3,701 |
| Return on Equity (ROE) | 3.8768% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.8768% | 3,468 |
| Net charge-offs to loans | 0.0893% | 4,784 |
| Credit loss provision to net charge-offs | 242.6564% | 1,020 |
| Earnings coverage of net charge-offs (x) | 27.6271% | 1,066 |
| Efficiency ratio | 66.8053% | 4,360 |
| Assets per employee ($millions) | 4.9173% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 6,276 |
| Loan loss allowance to noncurrent loans | 76.2981% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5343% | 5,140 |
| Noncurrent loans to loans | 1.1740% | 3,894 |
| Net loans and leases to total assets | 42.3063% | 5,972 |
| Net loans and leases to deposits | 52.4863% | 5,769 |
| Net loans and leases to core deposits | 56.6040% | 5,667 |
| Total domestic deposits to total assets | 80.6046% | 5,509 |
| Equity capital to assets | 15.8501% | 579 |
| Core capital (leverage) ratio | 16.0921% | 441 |
| Tier 1 risk-based capital ratio | 31.5059% | 448 |
| Total risk-based capital ratio | 32.2545% | 461 |
| Memoranda: | ||
| Average total assets | $2,054,504,800 | 347 |
| Average earning assets | $1,961,880,200 | 327 |
| Average equity | $323,465,200 | 261 |
| Average total loans | $877,123,600 | 466 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 6,567 |
| Cost of funding earning assets | 0.5840% | 4,799 |
| Net interest margin | 2.8609% | 6,417 |
| Noninterest income to average assets | 0.4492% | 4,297 |
| Noninterest expense to average assets | 2.0951% | 6,173 |
| Loan and lease loss provision to assets | 0.0586% | 4,997 |
| Net operating income to assets | 0.6328% | 4,227 |
| Return on assets (ROA) | 0.6328% | 4,480 |
| Pretax return on assets | 1.0277% | 3,610 |
| Return on Equity (ROE) | 4.0259% | 5,283 |
| Retained earnings to average equity (ytd only) | 4.0259% | 4,056 |
| Net charge-offs to loans | 0.0517% | 4,933 |
| Credit loss provision to net charge-offs | 265.4867% | 1,032 |
| Earnings coverage of net charge-offs (x) | 49.2506% | 768 |
| Efficiency ratio | 65.8562% | 4,472 |
| Assets per employee ($millions) | 4.8401% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 6,542 |
| Loan loss allowance to noncurrent loans | 67.7532% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5773% | 5,221 |
| Noncurrent loans to loans | 1.2241% | 4,008 |
| Net loans and leases to total assets | 43.0969% | 6,029 |
| Net loans and leases to deposits | 54.1110% | 5,800 |
| Net loans and leases to core deposits | 58.2777% | 5,712 |
| Total domestic deposits to total assets | 79.6455% | 5,741 |
| Equity capital to assets | 15.9672% | 612 |
| Core capital (leverage) ratio | 16.1729% | 458 |
| Tier 1 risk-based capital ratio | 31.4618% | 461 |
| Total risk-based capital ratio | 32.1629% | 477 |
| Memoranda: | ||
| Average total assets | $2,049,352,250 | 348 |
| Average earning assets | $1,957,153,750 | 326 |
| Average equity | $322,104,500 | 263 |
| Average total loans | $874,944,500 | 470 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4667% | 6,646 |
| Cost of funding earning assets | 0.5983% | 4,921 |
| Net interest margin | 2.8685% | 6,465 |
| Noninterest income to average assets | 0.4572% | 4,239 |
| Noninterest expense to average assets | 2.0862% | 6,254 |
| Loan and lease loss provision to assets | 0.0585% | 4,923 |
| Net operating income to assets | 0.6499% | 4,113 |
| Return on assets (ROA) | 0.6499% | 4,366 |
| Pretax return on assets | 1.0502% | 3,516 |
| Return on Equity (ROE) | 4.1572% | 5,193 |
| Retained earnings to average equity (ytd only) | 4.1572% | 3,840 |
| Net charge-offs to loans | 0.0239% | 5,055 |
| Credit loss provision to net charge-offs | 576.9231% | 537 |
| Earnings coverage of net charge-offs (x) | 109.2788% | 393 |
| Efficiency ratio | 65.2967% | 4,670 |
| Assets per employee ($millions) | 4.8157% | 2,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8259% | 6,621 |
| Loan loss allowance to noncurrent loans | 65.8444% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 0.6275% | 5,208 |
| Noncurrent loans to loans | 1.2544% | 4,038 |
| Net loans and leases to total assets | 42.9105% | 6,117 |
| Net loans and leases to deposits | 53.7796% | 5,892 |
| Net loans and leases to core deposits | 57.9458% | 5,779 |
| Total domestic deposits to total assets | 79.7894% | 5,799 |
| Equity capital to assets | 15.8227% | 615 |
| Core capital (leverage) ratio | 16.0284% | 456 |
| Tier 1 risk-based capital ratio | 31.2720% | 468 |
| Total risk-based capital ratio | 31.9692% | 481 |
| Memoranda: | ||
| Average total assets | $2,050,020,670 | 348 |
| Average earning assets | $1,956,657,000 | 326 |
| Average equity | $320,504,330 | 263 |
| Average total loans | $870,018,330 | 472 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4670% | 6,735 |
| Cost of funding earning assets | 0.6188% | 4,973 |
| Net interest margin | 2.8482% | 6,556 |
| Noninterest income to average assets | 0.5174% | 3,795 |
| Noninterest expense to average assets | 2.1292% | 6,204 |
| Loan and lease loss provision to assets | 0.0585% | 4,681 |
| Net operating income to assets | 0.6461% | 4,135 |
| Return on assets (ROA) | 0.6461% | 4,346 |
| Pretax return on assets | 1.0487% | 3,504 |
| Return on Equity (ROE) | 4.1576% | 5,221 |
| Retained earnings to average equity (ytd only) | 4.1576% | 4,097 |
| Net charge-offs to loans | 0.0167% | 4,450 |
| Credit loss provision to net charge-offs | 833.3333% | 417 |
| Earnings coverage of net charge-offs (x) | 157.7500% | 230 |
| Efficiency ratio | 65.7892% | 4,598 |
| Assets per employee ($millions) | 4.8369% | 2,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 6,705 |
| Loan loss allowance to noncurrent loans | 42.1497% | 5,495 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 4,663 |
| Noncurrent loans to loans | 1.9434% | 3,227 |
| Net loans and leases to total assets | 41.7138% | 6,216 |
| Net loans and leases to deposits | 51.9667% | 5,973 |
| Net loans and leases to core deposits | 56.2785% | 5,885 |
| Total domestic deposits to total assets | 80.2702% | 5,785 |
| Equity capital to assets | 15.5905% | 640 |
| Core capital (leverage) ratio | 15.7952% | 490 |
| Tier 1 risk-based capital ratio | 31.2180% | 478 |
| Total risk-based capital ratio | 31.8989% | 487 |
| Memoranda: | ||
| Average total assets | $2,051,690,000 | 344 |
| Average earning assets | $1,958,586,500 | 320 |
| Average equity | $318,836,000 | 261 |
| Average total loans | $862,250,000 | 477 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 6,858 |
| Cost of funding earning assets | 0.8158% | 4,738 |
| Net interest margin | 2.8747% | 6,726 |
| Noninterest income to average assets | 0.4912% | 3,911 |
| Noninterest expense to average assets | 2.2011% | 6,267 |
| Loan and lease loss provision to assets | 0.1582% | 4,656 |
| Net operating income to assets | 0.5345% | 4,290 |
| Return on assets (ROA) | 0.5345% | 4,484 |
| Pretax return on assets | 0.8747% | 3,691 |
| Return on Equity (ROE) | 3.4604% | 5,090 |
| Retained earnings to average equity (ytd only) | 3.4604% | 3,759 |
| Net charge-offs to loans | 0.2970% | 3,924 |
| Credit loss provision to net charge-offs | 125.4902% | 2,495 |
| Earnings coverage of net charge-offs (x) | 8.1941% | 2,194 |
| Efficiency ratio | 68.0627% | 4,344 |
| Assets per employee ($millions) | 4.7955% | 2,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7929% | 6,758 |
| Loan loss allowance to noncurrent loans | 33.2423% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 1.1379% | 4,339 |
| Noncurrent loans to loans | 2.3851% | 2,739 |
| Net loans and leases to total assets | 41.6613% | 6,411 |
| Net loans and leases to deposits | 51.8296% | 6,228 |
| Net loans and leases to core deposits | 56.4272% | 6,128 |
| Total domestic deposits to total assets | 80.3812% | 5,631 |
| Equity capital to assets | 15.4896% | 680 |
| Core capital (leverage) ratio | 15.5265% | 519 |
| Tier 1 risk-based capital ratio | 28.4607% | 590 |
| Total risk-based capital ratio | 29.0710% | 626 |
| Memoranda: | ||
| Average total assets | $2,023,074,200 | 345 |
| Average earning assets | $1,930,174,400 | 319 |
| Average equity | $312,508,800 | 258 |
| Average total loans | $858,638,200 | 490 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7051% | 6,929 |
| Cost of funding earning assets | 0.8549% | 4,737 |
| Net interest margin | 2.8502% | 6,832 |
| Noninterest income to average assets | 0.4188% | 4,521 |
| Noninterest expense to average assets | 2.1355% | 6,440 |
| Loan and lease loss provision to assets | 0.1190% | 4,948 |
| Net operating income to assets | 0.5345% | 4,385 |
| Return on assets (ROA) | 0.5345% | 4,578 |
| Pretax return on assets | 0.8835% | 3,831 |
| Return on Equity (ROE) | 3.4624% | 5,240 |
| Retained earnings to average equity (ytd only) | 3.4624% | 4,274 |
| Net charge-offs to loans | 0.4230% | 3,030 |
| Credit loss provision to net charge-offs | 66.1036% | 4,603 |
| Earnings coverage of net charge-offs (x) | 5.5692% | 2,749 |
| Efficiency ratio | 68.0535% | 4,300 |
| Assets per employee ($millions) | 4.7827% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6174% | 7,063 |
| Loan loss allowance to noncurrent loans | 18.6290% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 1.5337% | 3,795 |
| Noncurrent loans to loans | 3.3140% | 2,079 |
| Net loans and leases to total assets | 41.2473% | 6,540 |
| Net loans and leases to deposits | 51.4063% | 6,417 |
| Net loans and leases to core deposits | 56.1051% | 6,309 |
| Total domestic deposits to total assets | 80.2379% | 5,663 |
| Equity capital to assets | 15.3998% | 745 |
| Core capital (leverage) ratio | 15.3985% | 592 |
| Tier 1 risk-based capital ratio | 27.9950% | 660 |
| Total risk-based capital ratio | 28.4609% | 707 |
| Memoranda: | ||
| Average total assets | $2,016,919,750 | 347 |
| Average earning assets | $1,924,272,250 | 320 |
| Average equity | $311,341,250 | 260 |
| Average total loans | $858,319,500 | 492 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 7,005 |
| Cost of funding earning assets | 0.8927% | 4,735 |
| Net interest margin | 2.8180% | 6,898 |
| Noninterest income to average assets | 0.4354% | 4,381 |
| Noninterest expense to average assets | 2.1240% | 6,546 |
| Loan and lease loss provision to assets | 0.0797% | 5,314 |
| Net operating income to assets | 0.5661% | 4,232 |
| Return on assets (ROA) | 0.5661% | 4,354 |
| Pretax return on assets | 0.9201% | 3,549 |
| Return on Equity (ROE) | 3.6646% | 5,084 |
| Retained earnings to average equity (ytd only) | 3.6646% | 3,890 |
| Net charge-offs to loans | 0.6261% | 2,269 |
| Credit loss provision to net charge-offs | 29.6736% | 4,997 |
| Earnings coverage of net charge-offs (x) | 3.7214% | 3,071 |
| Efficiency ratio | 67.9927% | 4,516 |
| Assets per employee ($millions) | 4.6363% | 2,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5002% | 7,224 |
| Loan loss allowance to noncurrent loans | 15.6776% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 1.5431% | 3,886 |
| Noncurrent loans to loans | 3.1902% | 2,248 |
| Net loans and leases to total assets | 41.8511% | 6,602 |
| Net loans and leases to deposits | 52.1441% | 6,462 |
| Net loans and leases to core deposits | 57.2040% | 6,332 |
| Total domestic deposits to total assets | 80.2605% | 5,750 |
| Equity capital to assets | 15.4051% | 716 |
| Core capital (leverage) ratio | 15.4039% | 603 |
| Tier 1 risk-based capital ratio | 27.8981% | 665 |
| Total risk-based capital ratio | 28.2791% | 710 |
| Memoranda: | ||
| Average total assets | $2,006,897,330 | 350 |
| Average earning assets | $1,914,598,330 | 326 |
| Average equity | $310,044,330 | 259 |
| Average total loans | $861,235,330 | 497 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7079% | 7,063 |
| Cost of funding earning assets | 0.9142% | 4,822 |
| Net interest margin | 2.7938% | 6,913 |
| Noninterest income to average assets | 0.4253% | 4,495 |
| Noninterest expense to average assets | 2.0806% | 6,680 |
| Loan and lease loss provision to assets | 0.0602% | 5,249 |
| Net operating income to assets | 0.6035% | 4,017 |
| Return on assets (ROA) | 0.6035% | 4,081 |
| Pretax return on assets | 0.9512% | 3,312 |
| Return on Equity (ROE) | 3.9008% | 4,957 |
| Retained earnings to average equity (ytd only) | 3.9008% | 3,832 |
| Net charge-offs to loans | 0.2604% | 3,028 |
| Credit loss provision to net charge-offs | 53.2860% | 3,686 |
| Earnings coverage of net charge-offs (x) | 8.9591% | 1,771 |
| Efficiency ratio | 67.2914% | 4,789 |
| Assets per employee ($millions) | 4.6760% | 2,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 7,096 |
| Loan loss allowance to noncurrent loans | 29.2370% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 1.2299% | 4,497 |
| Noncurrent loans to loans | 2.3381% | 3,151 |
| Net loans and leases to total assets | 42.5692% | 6,573 |
| Net loans and leases to deposits | 52.7854% | 6,413 |
| Net loans and leases to core deposits | 58.0398% | 6,252 |
| Total domestic deposits to total assets | 80.6458% | 5,771 |
| Equity capital to assets | 15.3898% | 685 |
| Core capital (leverage) ratio | 15.3885% | 591 |
| Tier 1 risk-based capital ratio | 28.4819% | 606 |
| Total risk-based capital ratio | 29.0242% | 633 |
| Memoranda: | ||
| Average total assets | $1,995,006,000 | 350 |
| Average earning assets | $1,904,242,000 | 328 |
| Average equity | $308,652,000 | 257 |
| Average total loans | $864,786,000 | 507 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 6,776 |
| Cost of funding earning assets | 1.2200% | 4,424 |
| Net interest margin | 3.0916% | 6,541 |
| Noninterest income to average assets | 0.5400% | 3,884 |
| Noninterest expense to average assets | 2.3173% | 6,310 |
| Loan and lease loss provision to assets | 0.1383% | 5,797 |
| Net operating income to assets | 0.6173% | 3,595 |
| Return on assets (ROA) | 0.6173% | 3,765 |
| Pretax return on assets | 1.0175% | 2,872 |
| Return on Equity (ROE) | 3.9990% | 4,527 |
| Retained earnings to average equity (ytd only) | 3.9990% | 3,066 |
| Net charge-offs to loans | 0.3280% | 4,368 |
| Credit loss provision to net charge-offs | 93.2320% | 4,978 |
| Earnings coverage of net charge-offs (x) | 7.7901% | 2,063 |
| Efficiency ratio | 66.7212% | 4,816 |
| Assets per employee ($millions) | 4.4981% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 7,120 |
| Loan loss allowance to noncurrent loans | 23.6639% | 6,670 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 4,144 |
| Noncurrent loans to loans | 3.0107% | 2,539 |
| Net loans and leases to total assets | 43.5305% | 6,748 |
| Net loans and leases to deposits | 53.8579% | 6,616 |
| Net loans and leases to core deposits | 59.3759% | 6,444 |
| Total domestic deposits to total assets | 80.8247% | 5,580 |
| Equity capital to assets | 15.5544% | 670 |
| Core capital (leverage) ratio | 15.5530% | 571 |
| Tier 1 risk-based capital ratio | 27.9122% | 615 |
| Total risk-based capital ratio | 28.4728% | 650 |
| Memoranda: | ||
| Average total assets | $1,951,847,000 | 355 |
| Average earning assets | $1,851,814,800 | 335 |
| Average equity | $301,296,800 | 255 |
| Average total loans | $882,909,600 | 509 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 6,794 |
| Cost of funding earning assets | 1.2804% | 4,370 |
| Net interest margin | 3.1363% | 6,519 |
| Noninterest income to average assets | 0.4756% | 4,373 |
| Noninterest expense to average assets | 2.2305% | 6,521 |
| Loan and lease loss provision to assets | 0.1304% | 5,725 |
| Net operating income to assets | 0.6297% | 3,751 |
| Return on assets (ROA) | 0.6297% | 3,917 |
| Pretax return on assets | 1.0859% | 2,870 |
| Return on Equity (ROE) | 4.0870% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.0870% | 3,598 |
| Net charge-offs to loans | 0.1032% | 5,501 |
| Credit loss provision to net charge-offs | 277.0015% | 1,178 |
| Earnings coverage of net charge-offs (x) | 25.8413% | 983 |
| Efficiency ratio | 64.7128% | 5,108 |
| Assets per employee ($millions) | 4.5490% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8636% | 6,855 |
| Loan loss allowance to noncurrent loans | 37.9588% | 5,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1923% | 4,753 |
| Noncurrent loans to loans | 2.2751% | 3,359 |
| Net loans and leases to total assets | 44.0729% | 6,836 |
| Net loans and leases to deposits | 54.7200% | 6,714 |
| Net loans and leases to core deposits | 60.5768% | 6,566 |
| Total domestic deposits to total assets | 80.5425% | 5,529 |
| Equity capital to assets | 15.4114% | 791 |
| Core capital (leverage) ratio | 15.4114% | 645 |
| Tier 1 risk-based capital ratio | 27.0521% | 688 |
| Total risk-based capital ratio | 27.7260% | 721 |
| Memoranda: | ||
| Average total assets | $1,946,141,750 | 355 |
| Average earning assets | $1,843,661,000 | 334 |
| Average equity | $299,834,250 | 252 |
| Average total loans | $887,199,250 | 504 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 6,795 |
| Cost of funding earning assets | 1.3322% | 4,315 |
| Net interest margin | 3.1208% | 6,548 |
| Noninterest income to average assets | 0.4797% | 4,290 |
| Noninterest expense to average assets | 2.2411% | 6,540 |
| Loan and lease loss provision to assets | 0.1035% | 5,884 |
| Net operating income to assets | 0.6322% | 3,727 |
| Return on assets (ROA) | 0.6322% | 3,865 |
| Pretax return on assets | 1.0874% | 2,818 |
| Return on Equity (ROE) | 4.1038% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.1038% | 3,465 |
| Net charge-offs to loans | 0.0425% | 5,781 |
| Credit loss provision to net charge-offs | 530.1587% | 696 |
| Earnings coverage of net charge-offs (x) | 61.0159% | 504 |
| Efficiency ratio | 65.3006% | 5,102 |
| Assets per employee ($millions) | 4.4615% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 6,998 |
| Loan loss allowance to noncurrent loans | 33.7344% | 6,125 |
| Noncurrent assets plus other real estate owned to assets | 1.3317% | 4,490 |
| Noncurrent loans to loans | 2.4183% | 3,230 |
| Net loans and leases to total assets | 44.7542% | 6,865 |
| Net loans and leases to deposits | 55.4237% | 6,768 |
| Net loans and leases to core deposits | 61.0663% | 6,635 |
| Total domestic deposits to total assets | 80.7492% | 5,493 |
| Equity capital to assets | 15.4529% | 782 |
| Core capital (leverage) ratio | 15.4497% | 644 |
| Tier 1 risk-based capital ratio | 27.1950% | 684 |
| Total risk-based capital ratio | 27.8430% | 719 |
| Memoranda: | ||
| Average total assets | $1,936,762,000 | 357 |
| Average earning assets | $1,832,157,670 | 338 |
| Average equity | $298,357,670 | 253 |
| Average total loans | $890,364,670 | 506 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 6,871 |
| Cost of funding earning assets | 1.3496% | 4,498 |
| Net interest margin | 3.1132% | 6,556 |
| Noninterest income to average assets | 0.5044% | 4,020 |
| Noninterest expense to average assets | 2.2776% | 6,453 |
| Loan and lease loss provision to assets | 0.1038% | 5,586 |
| Net operating income to assets | 0.6318% | 3,749 |
| Return on assets (ROA) | 0.6318% | 3,873 |
| Pretax return on assets | 1.0670% | 2,853 |
| Return on Equity (ROE) | 4.1078% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.1078% | 3,687 |
| Net charge-offs to loans | -0.3671% | 7,771 |
| Credit loss provision to net charge-offs | -60.9489% | 6,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0477% | 5,104 |
| Assets per employee ($millions) | 4.4565% | 3,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8628% | 6,947 |
| Loan loss allowance to noncurrent loans | 31.8342% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 1.3286% | 4,532 |
| Noncurrent loans to loans | 2.7102% | 2,955 |
| Net loans and leases to total assets | 45.4590% | 6,876 |
| Net loans and leases to deposits | 56.1327% | 6,765 |
| Net loans and leases to core deposits | 62.2223% | 6,585 |
| Total domestic deposits to total assets | 80.9848% | 5,469 |
| Equity capital to assets | 15.3550% | 794 |
| Core capital (leverage) ratio | 15.3498% | 678 |
| Tier 1 risk-based capital ratio | 26.9505% | 710 |
| Total risk-based capital ratio | 27.6452% | 734 |
| Memoranda: | ||
| Average total assets | $1,930,308,000 | 372 |
| Average earning assets | $1,825,413,000 | 353 |
| Average equity | $296,896,000 | 256 |
| Average total loans | $895,679,000 | 521 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8667% | 6,792 |
| Cost of funding earning assets | 1.6680% | 4,682 |
| Net interest margin | 3.1987% | 6,099 |
| Noninterest income to average assets | 0.5385% | 4,118 |
| Noninterest expense to average assets | 2.3745% | 6,536 |
| Loan and lease loss provision to assets | 0.1348% | 6,293 |
| Net operating income to assets | 0.6389% | 3,176 |
| Return on assets (ROA) | 0.6389% | 3,236 |
| Pretax return on assets | 1.0401% | 2,456 |
| Return on Equity (ROE) | 4.1487% | 4,025 |
| Retained earnings to average equity (ytd only) | 4.1487% | 2,312 |
| Net charge-offs to loans | 0.6528% | 3,232 |
| Credit loss provision to net charge-offs | 43.1981% | 6,803 |
| Earnings coverage of net charge-offs (x) | 3.7639% | 3,209 |
| Efficiency ratio | 66.8981% | 5,209 |
| Assets per employee ($millions) | 4.3189% | 3,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 7,365 |
| Loan loss allowance to noncurrent loans | 27.5414% | 6,631 |
| Noncurrent assets plus other real estate owned to assets | 1.2827% | 4,524 |
| Noncurrent loans to loans | 2.5663% | 2,993 |
| Net loans and leases to total assets | 46.6224% | 6,931 |
| Net loans and leases to deposits | 57.3448% | 6,823 |
| Net loans and leases to core deposits | 77.6490% | 6,281 |
| Total domestic deposits to total assets | 81.3020% | 5,234 |
| Equity capital to assets | 15.4068% | 815 |
| Core capital (leverage) ratio | 15.3925% | 709 |
| Tier 1 risk-based capital ratio | 26.3531% | 739 |
| Total risk-based capital ratio | 26.9214% | 777 |
| Memoranda: | ||
| Average total assets | $1,879,184,200 | 372 |
| Average earning assets | $1,768,828,200 | 361 |
| Average equity | $289,392,200 | 261 |
| Average total loans | $898,556,600 | 531 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 6,725 |
| Cost of funding earning assets | 1.7368% | 4,717 |
| Net interest margin | 3.2267% | 5,928 |
| Noninterest income to average assets | 0.4703% | 4,751 |
| Noninterest expense to average assets | 2.3499% | 6,555 |
| Loan and lease loss provision to assets | 0.0878% | 6,489 |
| Net operating income to assets | 0.6422% | 3,436 |
| Return on assets (ROA) | 0.6422% | 3,505 |
| Pretax return on assets | 1.0707% | 2,670 |
| Return on Equity (ROE) | 4.1706% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.1706% | 2,951 |
| Net charge-offs to loans | 0.2046% | 4,764 |
| Credit loss provision to net charge-offs | 89.3324% | 5,500 |
| Earnings coverage of net charge-offs (x) | 11.7881% | 1,823 |
| Efficiency ratio | 66.9804% | 5,190 |
| Assets per employee ($millions) | 4.2624% | 3,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 5,910 |
| Loan loss allowance to noncurrent loans | 45.4563% | 5,284 |
| Noncurrent assets plus other real estate owned to assets | 1.1802% | 4,716 |
| Noncurrent loans to loans | 2.3509% | 3,204 |
| Net loans and leases to total assets | 46.5027% | 7,067 |
| Net loans and leases to deposits | 57.6483% | 6,988 |
| Net loans and leases to core deposits | 78.6824% | 6,439 |
| Total domestic deposits to total assets | 80.6661% | 5,200 |
| Equity capital to assets | 15.3701% | 911 |
| Core capital (leverage) ratio | 15.3493% | 795 |
| Tier 1 risk-based capital ratio | 26.6616% | 779 |
| Total risk-based capital ratio | 27.5345% | 782 |
| Memoranda: | ||
| Average total assets | $1,869,583,500 | 389 |
| Average earning assets | $1,760,315,250 | 375 |
| Average equity | $287,880,500 | 269 |
| Average total loans | $898,098,250 | 546 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0648% | 6,565 |
| Cost of funding earning assets | 1.8269% | 4,621 |
| Net interest margin | 3.2379% | 5,777 |
| Noninterest income to average assets | 0.4869% | 4,564 |
| Noninterest expense to average assets | 2.3572% | 6,603 |
| Loan and lease loss provision to assets | 0.0897% | 6,277 |
| Net operating income to assets | 0.6464% | 3,479 |
| Return on assets (ROA) | 0.6464% | 3,586 |
| Pretax return on assets | 1.0820% | 2,698 |
| Return on Equity (ROE) | 4.1956% | 4,418 |
| Retained earnings to average equity (ytd only) | 4.1956% | 2,966 |
| Net charge-offs to loans | 0.1521% | 4,675 |
| Credit loss provision to net charge-offs | 121.9298% | 3,810 |
| Earnings coverage of net charge-offs (x) | 15.9240% | 1,566 |
| Efficiency ratio | 66.7957% | 5,403 |
| Assets per employee ($millions) | 4.1254% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,613 |
| Loan loss allowance to noncurrent loans | 42.6215% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 1.2964% | 4,355 |
| Noncurrent loans to loans | 2.5774% | 2,813 |
| Net loans and leases to total assets | 47.2249% | 7,101 |
| Net loans and leases to deposits | 58.5177% | 6,989 |
| Net loans and leases to core deposits | 78.8701% | 6,490 |
| Total domestic deposits to total assets | 80.7019% | 5,193 |
| Equity capital to assets | 15.4149% | 945 |
| Core capital (leverage) ratio | 15.3880% | 842 |
| Tier 1 risk-based capital ratio | 26.5731% | 810 |
| Total risk-based capital ratio | 27.4795% | 813 |
| Memoranda: | ||
| Average total assets | $1,859,094,670 | 399 |
| Average earning assets | $1,746,639,330 | 388 |
| Average equity | $286,443,000 | 276 |
| Average total loans | $899,601,670 | 555 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2039% | 6,282 |
| Cost of funding earning assets | 1.9260% | 4,508 |
| Net interest margin | 3.2780% | 5,583 |
| Noninterest income to average assets | 0.4668% | 4,619 |
| Noninterest expense to average assets | 2.3581% | 6,345 |
| Loan and lease loss provision to assets | 0.1038% | 5,643 |
| Net operating income to assets | 0.6490% | 3,805 |
| Return on assets (ROA) | 0.6490% | 3,987 |
| Pretax return on assets | 1.0756% | 3,081 |
| Return on Equity (ROE) | 4.2134% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.2134% | 3,564 |
| Net charge-offs to loans | 0.1704% | 3,609 |
| Credit loss provision to net charge-offs | 125.0000% | 3,173 |
| Earnings coverage of net charge-offs (x) | 14.2057% | 1,686 |
| Efficiency ratio | 66.6606% | 5,205 |
| Assets per employee ($millions) | 4.1036% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0863% | 5,565 |
| Loan loss allowance to noncurrent loans | 94.8102% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 5,477 |
| Noncurrent loans to loans | 1.1458% | 4,700 |
| Net loans and leases to total assets | 47.9625% | 7,027 |
| Net loans and leases to deposits | 59.4079% | 6,939 |
| Net loans and leases to core deposits | 79.2757% | 6,436 |
| Total domestic deposits to total assets | 80.7341% | 5,076 |
| Equity capital to assets | 15.4080% | 984 |
| Core capital (leverage) ratio | 15.3772% | 889 |
| Tier 1 risk-based capital ratio | 27.0993% | 815 |
| Total risk-based capital ratio | 28.0282% | 818 |
| Memoranda: | ||
| Average total assets | $1,850,121,500 | 401 |
| Average earning assets | $1,733,146,000 | 391 |
| Average equity | $284,992,500 | 276 |
| Average total loans | $901,264,500 | 561 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5631% | 7,171 |
| Cost of funding earning assets | 2.3807% | 4,809 |
| Net interest margin | 3.1824% | 6,419 |
| Noninterest income to average assets | 0.6465% | 3,499 |
| Noninterest expense to average assets | 2.3060% | 6,683 |
| Loan and lease loss provision to assets | 0.0544% | 6,732 |
| Net operating income to assets | 0.7932% | 3,465 |
| Return on assets (ROA) | 0.7932% | 3,306 |
| Pretax return on assets | 1.2699% | 2,407 |
| Return on Equity (ROE) | 5.1026% | 4,330 |
| Retained earnings to average equity (ytd only) | 5.1026% | 1,963 |
| Net charge-offs to loans | 0.1875% | 4,322 |
| Credit loss provision to net charge-offs | 59.6330% | 6,235 |
| Earnings coverage of net charge-offs (x) | 14.5119% | 2,031 |
| Efficiency ratio | 63.5205% | 5,663 |
| Assets per employee ($millions) | 4.0028% | 3,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0760% | 5,445 |
| Loan loss allowance to noncurrent loans | 97.6337% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 5,274 |
| Noncurrent loans to loans | 1.1021% | 4,356 |
| Net loans and leases to total assets | 48.4139% | 7,159 |
| Net loans and leases to deposits | 59.8196% | 7,102 |
| Net loans and leases to core deposits | 79.2225% | 6,676 |
| Total domestic deposits to total assets | 80.9332% | 4,668 |
| Equity capital to assets | 15.3999% | 1,066 |
| Core capital (leverage) ratio | 15.3634% | 951 |
| Tier 1 risk-based capital ratio | 26.2558% | 884 |
| Total risk-based capital ratio | 27.1565% | 890 |
| Memoranda: | ||
| Average total assets | $1,791,667,000 | 399 |
| Average earning assets | $1,679,833,400 | 388 |
| Average equity | $278,524,000 | 281 |
| Average total loans | $871,851,200 | 561 |