Home > Industrial and Commercial Bank of China USA > Performance and Condition Ratios
Industrial and Commercial Bank of China USA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0307% | 610 |
| Cost of funding earning assets | 2.3608% | 488 |
| Net interest margin | 3.6699% | 1,811 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 2.1151% | 3,373 |
| Loan and lease loss provision to assets | 0.3000% | 363 |
| Net operating income to assets | 0.8243% | 2,792 |
| Return on assets (ROA) | 0.8243% | 2,772 |
| Pretax return on assets | 1.1936% | 2,156 |
| Return on Equity (ROE) | 5.4800% | 3,629 |
| Retained earnings to average equity (ytd only) | 5.4828% | 2,410 |
| Net charge-offs to loans | 0.3249% | 335 |
| Credit loss provision to net charge-offs | 101.1285% | 1,826 |
| Earnings coverage of net charge-offs (x) | 4.9854% | 2,552 |
| Efficiency ratio | 58.5513% | 3,239 |
| Assets per employee ($millions) | 10.2857% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,305 |
| Loan loss allowance to noncurrent loans | 52.0715% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.7893% | 182 |
| Noncurrent loans to loans | 1.9193% | 302 |
| Net loans and leases to total assets | 92.3000% | 15 |
| Net loans and leases to deposits | 132.1996% | 39 |
| Net loans and leases to core deposits | 206.6483% | 75 |
| Total domestic deposits to total assets | 69.8200% | 4,294 |
| Equity capital to assets | 15.3067% | 528 |
| Core capital (leverage) ratio | 15.2080% | 589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1602% | 769 |
| Memoranda: | ||
| Average total assets | $2,950,432,800 | 400 |
| Average earning assets | $2,840,040,400 | 377 |
| Average equity | $443,565,000 | 292 |
| Average total loans | $2,727,480,000 | 318 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9263% | 581 |
| Cost of funding earning assets | 2.1453% | 552 |
| Net interest margin | 3.7810% | 1,641 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 2.0636% | 3,439 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 0.9211% | 2,610 |
| Return on assets (ROA) | 0.9211% | 2,596 |
| Pretax return on assets | 1.3389% | 1,934 |
| Return on Equity (ROE) | 6.1600% | 3,613 |
| Retained earnings to average equity (ytd only) | 6.1551% | 2,584 |
| Net charge-offs to loans | 0.4043% | 211 |
| Credit loss provision to net charge-offs | 83.3960% | 1,738 |
| Earnings coverage of net charge-offs (x) | 4.4238% | 2,399 |
| Efficiency ratio | 55.5699% | 3,437 |
| Assets per employee ($millions) | 10.4165% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 3,625 |
| Loan loss allowance to noncurrent loans | 45.8125% | 3,660 |
| Noncurrent assets plus other real estate owned to assets | 1.8817% | 160 |
| Noncurrent loans to loans | 2.0336% | 296 |
| Net loans and leases to total assets | 91.6700% | 19 |
| Net loans and leases to deposits | 126.8726% | 50 |
| Net loans and leases to core deposits | 212.4142% | 35 |
| Total domestic deposits to total assets | 72.2500% | 4,245 |
| Equity capital to assets | 14.8280% | 549 |
| Core capital (leverage) ratio | 14.9175% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5283% | 881 |
| Memoranda: | ||
| Average total assets | $2,947,474,000 | 404 |
| Average earning assets | $2,834,810,750 | 381 |
| Average equity | $441,100,000 | 295 |
| Average total loans | $2,718,926,000 | 324 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7187% | 620 |
| Cost of funding earning assets | 1.8690% | 654 |
| Net interest margin | 3.8497% | 1,524 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 2.0336% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1985% | 1,836 |
| Return on assets (ROA) | 1.1985% | 1,826 |
| Pretax return on assets | 1.7394% | 1,134 |
| Return on Equity (ROE) | 7.9800% | 3,236 |
| Retained earnings to average equity (ytd only) | 7.9829% | 1,968 |
| Net charge-offs to loans | 0.1018% | 674 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 18.5471% | 1,761 |
| Efficiency ratio | 53.8991% | 3,624 |
| Assets per employee ($millions) | 10.5274% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9401% | 3,659 |
| Loan loss allowance to noncurrent loans | 107.9258% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8185% | 622 |
| Noncurrent loans to loans | 0.8711% | 871 |
| Net loans and leases to total assets | 93.0800% | 12 |
| Net loans and leases to deposits | 129.0473% | 57 |
| Net loans and leases to core deposits | 206.4480% | 36 |
| Total domestic deposits to total assets | 72.1300% | 4,287 |
| Equity capital to assets | 15.0970% | 515 |
| Core capital (leverage) ratio | 15.2920% | 554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4382% | 897 |
| Memoranda: | ||
| Average total assets | $2,919,561,333 | 395 |
| Average earning assets | $2,805,754,667 | 374 |
| Average equity | $438,310,667 | 290 |
| Average total loans | $2,690,271,000 | 314 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4666% | 653 |
| Cost of funding earning assets | 1.5925% | 706 |
| Net interest margin | 3.8741% | 1,529 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.9888% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1861% | 1,967 |
| Return on assets (ROA) | 1.1861% | 1,930 |
| Pretax return on assets | 1.8179% | 1,039 |
| Return on Equity (ROE) | 7.9200% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.9232% | 2,245 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.2445% | 3,756 |
| Assets per employee ($millions) | 10.2671% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 3,379 |
| Loan loss allowance to noncurrent loans | 98.3091% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.9627% | 437 |
| Noncurrent loans to loans | 1.0491% | 693 |
| Net loans and leases to total assets | 90.8200% | 26 |
| Net loans and leases to deposits | 127.7847% | 50 |
| Net loans and leases to core deposits | 194.4273% | 38 |
| Total domestic deposits to total assets | 71.0700% | 4,389 |
| Equity capital to assets | 15.0642% | 476 |
| Core capital (leverage) ratio | 15.6098% | 505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7332% | 877 |
| Memoranda: | ||
| Average total assets | $2,900,245,000 | 409 |
| Average earning assets | $2,785,033,000 | 388 |
| Average equity | $434,166,000 | 298 |
| Average total loans | $2,645,609,500 | 326 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 1,458 |
| Cost of funding earning assets | 0.7691% | 433 |
| Net interest margin | 3.3402% | 2,449 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.0972% | 3,299 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.8115% | 3,286 |
| Return on assets (ROA) | 0.8115% | 3,216 |
| Pretax return on assets | 1.1528% | 2,593 |
| Return on Equity (ROE) | 5.6900% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.6881% | 2,755 |
| Net charge-offs to loans | 0.3497% | 216 |
| Credit loss provision to net charge-offs | 31.9706% | 1,885 |
| Earnings coverage of net charge-offs (x) | 4.0140% | 2,433 |
| Efficiency ratio | 62.6076% | 2,687 |
| Assets per employee ($millions) | 9.9824% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9669% | 3,528 |
| Loan loss allowance to noncurrent loans | 84.8347% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 1.0334% | 417 |
| Noncurrent loans to loans | 1.1397% | 626 |
| Net loans and leases to total assets | 89.8000% | 38 |
| Net loans and leases to deposits | 121.1009% | 68 |
| Net loans and leases to core deposits | 187.9440% | 29 |
| Total domestic deposits to total assets | 74.1500% | 4,353 |
| Equity capital to assets | 14.8754% | 483 |
| Core capital (leverage) ratio | 14.8814% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3117% | 930 |
| Memoranda: | ||
| Average total assets | $2,923,877,200 | 403 |
| Average earning assets | $2,813,576,000 | 381 |
| Average equity | $417,153,800 | 294 |
| Average total loans | $2,608,732,800 | 310 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 2,069 |
| Cost of funding earning assets | 0.6184% | 395 |
| Net interest margin | 3.0742% | 3,008 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.0791% | 3,274 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.6596% | 3,668 |
| Return on assets (ROA) | 0.6596% | 3,628 |
| Pretax return on assets | 0.9148% | 3,275 |
| Return on Equity (ROE) | 4.6700% | 4,044 |
| Retained earnings to average equity (ytd only) | 4.6722% | 3,210 |
| Net charge-offs to loans | 0.0017% | 2,237 |
| Credit loss provision to net charge-offs | 8,529.4118% | 65 |
| Earnings coverage of net charge-offs (x) | 676.7647% | 242 |
| Efficiency ratio | 66.5143% | 2,214 |
| Assets per employee ($millions) | 10.4383% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,074 |
| Loan loss allowance to noncurrent loans | 55.1910% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 2.1132% | 118 |
| Noncurrent loans to loans | 2.3391% | 236 |
| Net loans and leases to total assets | 89.1700% | 39 |
| Net loans and leases to deposits | 118.8572% | 58 |
| Net loans and leases to core deposits | 177.8628% | 36 |
| Total domestic deposits to total assets | 75.0300% | 4,410 |
| Equity capital to assets | 14.2652% | 536 |
| Core capital (leverage) ratio | 15.0149% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6645% | 1,053 |
| Memoranda: | ||
| Average total assets | $2,931,124,000 | 400 |
| Average earning assets | $2,824,203,000 | 382 |
| Average equity | $413,785,500 | 297 |
| Average total loans | $2,604,677,250 | 305 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4691% | 2,228 |
| Cost of funding earning assets | 0.5857% | 310 |
| Net interest margin | 2.8834% | 3,211 |
| Noninterest income to average assets | 0.1555% | 4,239 |
| Noninterest expense to average assets | 2.0756% | 3,221 |
| Loan and lease loss provision to assets | 0.0025% | 2,566 |
| Net operating income to assets | 0.6308% | 3,539 |
| Return on assets (ROA) | 0.6308% | 3,486 |
| Pretax return on assets | 0.8562% | 3,187 |
| Return on Equity (ROE) | 4.4839% | 3,915 |
| Retained earnings to average equity (ytd only) | 4.4839% | 2,891 |
| Net charge-offs to loans | 0.0028% | 1,979 |
| Credit loss provision to net charge-offs | 100.0000% | 1,271 |
| Earnings coverage of net charge-offs (x) | 348.6667% | 356 |
| Efficiency ratio | 70.7358% | 1,859 |
| Assets per employee ($millions) | 9.7239% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 2,439 |
| Loan loss allowance to noncurrent loans | 49.6152% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 2.2892% | 102 |
| Noncurrent loans to loans | 2.5136% | 226 |
| Net loans and leases to total assets | 89.9373% | 22 |
| Net loans and leases to deposits | 111.6466% | 83 |
| Net loans and leases to core deposits | 160.7252% | 38 |
| Total domestic deposits to total assets | 80.5554% | 4,177 |
| Equity capital to assets | 14.9627% | 407 |
| Core capital (leverage) ratio | 14.0748% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1634% | 971 |
| Memoranda: | ||
| Average total assets | $2,923,484,667 | 392 |
| Average earning assets | $2,817,454,667 | 380 |
| Average equity | $411,247,667 | 298 |
| Average total loans | $2,583,333,333 | 303 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2324% | 2,594 |
| Cost of funding earning assets | 0.5736% | 308 |
| Net interest margin | 2.6588% | 3,506 |
| Noninterest income to average assets | 0.1553% | 4,225 |
| Noninterest expense to average assets | 2.0258% | 3,369 |
| Loan and lease loss provision to assets | 0.0027% | 2,252 |
| Net operating income to assets | 0.5110% | 3,681 |
| Return on assets (ROA) | 0.5110% | 3,650 |
| Pretax return on assets | 0.6903% | 3,421 |
| Return on Equity (ROE) | 3.7435% | 3,939 |
| Retained earnings to average equity (ytd only) | 3.7435% | 3,031 |
| Net charge-offs to loans | 0.0031% | 1,675 |
| Credit loss provision to net charge-offs | 100.0000% | 1,010 |
| Earnings coverage of net charge-offs (x) | 259.4000% | 354 |
| Efficiency ratio | 74.5124% | 1,689 |
| Assets per employee ($millions) | 10.3385% | 626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 2,747 |
| Loan loss allowance to noncurrent loans | 82.1808% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.2820% | 323 |
| Noncurrent loans to loans | 1.4871% | 560 |
| Net loans and leases to total assets | 85.1521% | 64 |
| Net loans and leases to deposits | 107.2470% | 87 |
| Net loans and leases to core deposits | 158.2689% | 35 |
| Total domestic deposits to total assets | 79.3981% | 4,322 |
| Equity capital to assets | 13.6992% | 572 |
| Core capital (leverage) ratio | 13.8327% | 608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5290% | 1,135 |
| Memoranda: | ||
| Average total assets | $2,994,704,000 | 391 |
| Average earning assets | $2,887,272,500 | 375 |
| Average equity | $408,812,000 | 312 |
| Average total loans | $2,608,607,500 | 299 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 3,047 |
| Cost of funding earning assets | 0.6008% | 538 |
| Net interest margin | 2.7513% | 3,780 |
| Noninterest income to average assets | 0.2507% | 3,865 |
| Noninterest expense to average assets | 2.0994% | 3,394 |
| Loan and lease loss provision to assets | 0.0673% | 1,725 |
| Net operating income to assets | 0.4889% | 4,116 |
| Return on assets (ROA) | 0.4889% | 4,158 |
| Pretax return on assets | 0.7313% | 3,866 |
| Return on Equity (ROE) | 3.6311% | 4,269 |
| Retained earnings to average equity (ytd only) | 3.6311% | 3,368 |
| Net charge-offs to loans | 0.0597% | 1,187 |
| Credit loss provision to net charge-offs | 125.7071% | 1,614 |
| Earnings coverage of net charge-offs (x) | 14.9158% | 2,016 |
| Efficiency ratio | 72.4433% | 1,460 |
| Assets per employee ($millions) | 10.1055% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 2,889 |
| Loan loss allowance to noncurrent loans | 81.4245% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 1.2969% | 357 |
| Noncurrent loans to loans | 1.4735% | 621 |
| Net loans and leases to total assets | 86.9552% | 48 |
| Net loans and leases to deposits | 111.8217% | 73 |
| Net loans and leases to core deposits | 171.8894% | 33 |
| Total domestic deposits to total assets | 77.7624% | 4,419 |
| Equity capital to assets | 13.6030% | 739 |
| Core capital (leverage) ratio | 13.3393% | 720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0998% | 1,241 |
| Memoranda: | ||
| Average total assets | $2,971,645,400 | 377 |
| Average earning assets | $2,859,217,600 | 365 |
| Average equity | $400,072,400 | 319 |
| Average total loans | $2,665,647,800 | 291 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3093% | 3,368 |
| Cost of funding earning assets | 0.6014% | 637 |
| Net interest margin | 2.7079% | 3,953 |
| Noninterest income to average assets | 0.2481% | 3,909 |
| Noninterest expense to average assets | 2.0584% | 3,491 |
| Loan and lease loss provision to assets | 0.0009% | 2,947 |
| Net operating income to assets | 0.5302% | 4,143 |
| Return on assets (ROA) | 0.5302% | 4,188 |
| Pretax return on assets | 0.7929% | 3,904 |
| Return on Equity (ROE) | 3.9487% | 4,310 |
| Retained earnings to average equity (ytd only) | 3.9487% | 3,591 |
| Net charge-offs to loans | 0.0010% | 2,409 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 841.1905% | 193 |
| Efficiency ratio | 72.1666% | 1,389 |
| Assets per employee ($millions) | 10.1446% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1352% | 3,278 |
| Loan loss allowance to noncurrent loans | 41.5640% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 2.4566% | 124 |
| Noncurrent loans to loans | 2.7313% | 257 |
| Net loans and leases to total assets | 88.9200% | 27 |
| Net loans and leases to deposits | 116.3341% | 52 |
| Net loans and leases to core deposits | 184.1572% | 36 |
| Total domestic deposits to total assets | 76.4350% | 4,521 |
| Equity capital to assets | 13.2361% | 923 |
| Core capital (leverage) ratio | 13.2967% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0033% | 1,615 |
| Memoranda: | ||
| Average total assets | $2,966,747,000 | 380 |
| Average earning assets | $2,853,059,250 | 368 |
| Average equity | $398,365,750 | 320 |
| Average total loans | $2,673,903,750 | 291 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2927% | 3,450 |
| Cost of funding earning assets | 0.6076% | 721 |
| Net interest margin | 2.6851% | 4,009 |
| Noninterest income to average assets | 0.2643% | 3,815 |
| Noninterest expense to average assets | 2.0660% | 3,499 |
| Loan and lease loss provision to assets | 0.0010% | 2,851 |
| Net operating income to assets | 0.5412% | 4,131 |
| Return on assets (ROA) | 0.5412% | 4,177 |
| Pretax return on assets | 0.7789% | 3,911 |
| Return on Equity (ROE) | 4.0103% | 4,328 |
| Retained earnings to average equity (ytd only) | 4.0103% | 3,512 |
| Net charge-offs to loans | 0.0011% | 2,200 |
| Credit loss provision to net charge-offs | 100.0000% | 1,360 |
| Earnings coverage of net charge-offs (x) | 818.2143% | 168 |
| Efficiency ratio | 72.5970% | 1,369 |
| Assets per employee ($millions) | 10.1342% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1757% | 3,070 |
| Loan loss allowance to noncurrent loans | 64.2898% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.6167% | 327 |
| Noncurrent loans to loans | 1.8288% | 561 |
| Net loans and leases to total assets | 87.3628% | 51 |
| Net loans and leases to deposits | 112.3750% | 87 |
| Net loans and leases to core deposits | 175.7700% | 47 |
| Total domestic deposits to total assets | 77.7422% | 4,456 |
| Equity capital to assets | 13.3453% | 858 |
| Core capital (leverage) ratio | 13.6111% | 691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4230% | 1,495 |
| Memoranda: | ||
| Average total assets | $2,937,817,333 | 380 |
| Average earning assets | $2,824,476,333 | 369 |
| Average equity | $396,431,000 | 315 |
| Average total loans | $2,649,744,333 | 293 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3540% | 3,331 |
| Cost of funding earning assets | 0.6197% | 800 |
| Net interest margin | 2.7343% | 3,895 |
| Noninterest income to average assets | 0.2319% | 3,995 |
| Noninterest expense to average assets | 2.0291% | 3,629 |
| Loan and lease loss provision to assets | 0.0015% | 2,729 |
| Net operating income to assets | 0.5818% | 3,988 |
| Return on assets (ROA) | 0.5818% | 4,043 |
| Pretax return on assets | 0.8302% | 3,757 |
| Return on Equity (ROE) | 4.2871% | 4,228 |
| Retained earnings to average equity (ytd only) | 4.2871% | 3,421 |
| Net charge-offs to loans | 0.0017% | 1,872 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 549.4545% | 172 |
| Efficiency ratio | 70.9283% | 1,608 |
| Assets per employee ($millions) | 9.7116% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 3,095 |
| Loan loss allowance to noncurrent loans | 134.5561% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.7953% | 1,132 |
| Noncurrent loans to loans | 0.8697% | 1,552 |
| Net loans and leases to total assets | 90.3714% | 22 |
| Net loans and leases to deposits | 113.9504% | 104 |
| Net loans and leases to core deposits | 182.2663% | 49 |
| Total domestic deposits to total assets | 79.3076% | 4,295 |
| Equity capital to assets | 13.6126% | 766 |
| Core capital (leverage) ratio | 13.5412% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1637% | 1,522 |
| Memoranda: | ||
| Average total assets | $2,906,866,500 | 381 |
| Average earning assets | $2,794,833,500 | 369 |
| Average equity | $394,486,000 | 315 |
| Average total loans | $2,648,708,500 | 295 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 3,737 |
| Cost of funding earning assets | 0.9063% | 838 |
| Net interest margin | 2.7241% | 4,353 |
| Noninterest income to average assets | 0.2004% | 4,275 |
| Noninterest expense to average assets | 3.9132% | 413 |
| Loan and lease loss provision to assets | 0.5989% | 336 |
| Net operating income to assets | -1.7524% | 4,958 |
| Return on assets (ROA) | -1.7524% | 4,959 |
| Pretax return on assets | -1.7145% | 4,955 |
| Return on Equity (ROE) | -11.7307% | 4,955 |
| Retained earnings to average equity (ytd only) | -11.7307% | 4,927 |
| Net charge-offs to loans | 0.0402% | 2,258 |
| Credit loss provision to net charge-offs | 1,677.9171% | 505 |
| Earnings coverage of net charge-offs (x) | -31.2536% | 3,426 |
| Efficiency ratio | 72.2979% | 1,648 |
| Assets per employee ($millions) | 9.7981% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 3,035 |
| Loan loss allowance to noncurrent loans | 133.8859% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.8029% | 1,276 |
| Noncurrent loans to loans | 0.8843% | 1,597 |
| Net loans and leases to total assets | 89.7201% | 32 |
| Net loans and leases to deposits | 117.0987% | 91 |
| Net loans and leases to core deposits | 183.7787% | 50 |
| Total domestic deposits to total assets | 76.6192% | 4,456 |
| Equity capital to assets | 13.5289% | 923 |
| Core capital (leverage) ratio | 13.7660% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1512% | 1,479 |
| Memoranda: | ||
| Average total assets | $2,905,245,000 | 349 |
| Average earning assets | $2,769,976,000 | 336 |
| Average equity | $433,998,200 | 284 |
| Average total loans | $2,577,383,200 | 295 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 3,796 |
| Cost of funding earning assets | 0.9904% | 788 |
| Net interest margin | 2.7120% | 4,452 |
| Noninterest income to average assets | 0.2397% | 4,050 |
| Noninterest expense to average assets | 1.9840% | 4,186 |
| Loan and lease loss provision to assets | 0.6372% | 377 |
| Net operating income to assets | 0.1621% | 4,640 |
| Return on assets (ROA) | 0.1621% | 4,679 |
| Pretax return on assets | 0.2000% | 4,660 |
| Return on Equity (ROE) | 1.0603% | 4,697 |
| Retained earnings to average equity (ytd only) | 1.0603% | 4,238 |
| Net charge-offs to loans | 0.0011% | 3,189 |
| Credit loss provision to net charge-offs | 63,136.3636% | 13 |
| Earnings coverage of net charge-offs (x) | 829.5000% | 148 |
| Efficiency ratio | 70.3259% | 1,839 |
| Assets per employee ($millions) | 9.9230% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,271 |
| Loan loss allowance to noncurrent loans | 56.1685% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.7097% | 454 |
| Noncurrent loans to loans | 1.9352% | 643 |
| Net loans and leases to total assets | 87.3892% | 95 |
| Net loans and leases to deposits | 123.4170% | 88 |
| Net loans and leases to core deposits | 176.1067% | 58 |
| Total domestic deposits to total assets | 70.8081% | 4,729 |
| Equity capital to assets | 14.9597% | 645 |
| Core capital (leverage) ratio | 13.5794% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9181% | 1,524 |
| Memoranda: | ||
| Average total assets | $2,906,493,750 | 338 |
| Average earning assets | $2,766,494,250 | 326 |
| Average equity | $444,404,750 | 275 |
| Average total loans | $2,563,408,000 | 294 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 3,905 |
| Cost of funding earning assets | 1.1073% | 708 |
| Net interest margin | 2.6763% | 4,577 |
| Noninterest income to average assets | 0.2393% | 4,046 |
| Noninterest expense to average assets | 2.0107% | 4,215 |
| Loan and lease loss provision to assets | 0.6169% | 511 |
| Net operating income to assets | 0.1426% | 4,640 |
| Return on assets (ROA) | 0.1426% | 4,673 |
| Pretax return on assets | 0.1590% | 4,674 |
| Return on Equity (ROE) | 0.9256% | 4,697 |
| Retained earnings to average equity (ytd only) | 0.9256% | 4,118 |
| Net charge-offs to loans | 0.0012% | 2,987 |
| Credit loss provision to net charge-offs | 59,220.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 744.8000% | 130 |
| Efficiency ratio | 72.1556% | 1,659 |
| Assets per employee ($millions) | 9.6531% | 558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 3,895 |
| Loan loss allowance to noncurrent loans | 79.4358% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.0330% | 1,150 |
| Noncurrent loans to loans | 1.1656% | 1,346 |
| Net loans and leases to total assets | 87.8018% | 67 |
| Net loans and leases to deposits | 124.7262% | 68 |
| Net loans and leases to core deposits | 166.0549% | 66 |
| Total domestic deposits to total assets | 70.3957% | 4,775 |
| Equity capital to assets | 15.4294% | 551 |
| Core capital (leverage) ratio | 14.0506% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1045% | 1,463 |
| Memoranda: | ||
| Average total assets | $2,879,722,333 | 335 |
| Average earning assets | $2,740,965,667 | 327 |
| Average equity | $443,600,667 | 275 |
| Average total loans | $2,538,267,000 | 296 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,669 |
| Cost of funding earning assets | 1.2618% | 631 |
| Net interest margin | 2.7805% | 4,589 |
| Noninterest income to average assets | 0.2364% | 4,140 |
| Noninterest expense to average assets | 1.9848% | 4,427 |
| Loan and lease loss provision to assets | 1.0952% | 185 |
| Net operating income to assets | -0.1530% | 4,829 |
| Return on assets (ROA) | -0.1530% | 4,808 |
| Pretax return on assets | -0.1966% | 4,809 |
| Return on Equity (ROE) | -0.9938% | 4,801 |
| Retained earnings to average equity (ytd only) | -0.9938% | 4,138 |
| Net charge-offs to loans | 0.0013% | 2,553 |
| Credit loss provision to net charge-offs | 98,450.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 807.7500% | 71 |
| Efficiency ratio | 68.8353% | 2,530 |
| Assets per employee ($millions) | 9.3247% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,111 |
| Loan loss allowance to noncurrent loans | 74.9950% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0600% | 1,231 |
| Noncurrent loans to loans | 1.1991% | 1,361 |
| Net loans and leases to total assets | 87.6052% | 75 |
| Net loans and leases to deposits | 119.6092% | 84 |
| Net loans and leases to core deposits | 162.2855% | 75 |
| Total domestic deposits to total assets | 73.2428% | 4,708 |
| Equity capital to assets | 15.4969% | 676 |
| Core capital (leverage) ratio | 13.7515% | 970 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0061% | 1,600 |
| Memoranda: | ||
| Average total assets | $2,876,445,000 | 332 |
| Average earning assets | $2,738,390,000 | 321 |
| Average equity | $442,733,000 | 279 |
| Average total loans | $2,528,457,000 | 292 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5003% | 2,940 |
| Cost of funding earning assets | 1.4481% | 467 |
| Net interest margin | 3.0523% | 4,446 |
| Noninterest income to average assets | 0.3376% | 3,688 |
| Noninterest expense to average assets | 1.9671% | 4,586 |
| Loan and lease loss provision to assets | -0.0346% | 4,985 |
| Net operating income to assets | 0.9286% | 3,098 |
| Return on assets (ROA) | 0.9286% | 3,174 |
| Pretax return on assets | 1.3145% | 2,456 |
| Return on Equity (ROE) | 6.2720% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.2720% | 1,732 |
| Net charge-offs to loans | 0.0035% | 3,551 |
| Credit loss provision to net charge-offs | -1,139.7727% | 4,539 |
| Earnings coverage of net charge-offs (x) | 421.9091% | 220 |
| Efficiency ratio | 60.3359% | 3,641 |
| Assets per employee ($millions) | 9.6330% | 391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5845% | 4,771 |
| Loan loss allowance to noncurrent loans | 23,895.1613% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,683 |
| Noncurrent loans to loans | 0.0024% | 4,597 |
| Net loans and leases to total assets | 86.9011% | 124 |
| Net loans and leases to deposits | 113.0203% | 138 |
| Net loans and leases to core deposits | 148.8286% | 125 |
| Total domestic deposits to total assets | 76.8899% | 4,499 |
| Equity capital to assets | 15.2882% | 728 |
| Core capital (leverage) ratio | 13.8142% | 977 |
| Tier 1 risk-based capital ratio | 15.4236% | 2,609 |
| Total risk-based capital ratio | 16.0150% | 2,804 |
| Memoranda: | ||
| Average total assets | $2,900,889,600 | 319 |
| Average earning assets | $2,765,103,600 | 312 |
| Average equity | $429,497,600 | 275 |
| Average total loans | $2,512,737,200 | 284 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5716% | 2,826 |
| Cost of funding earning assets | 1.4664% | 460 |
| Net interest margin | 3.1052% | 4,465 |
| Noninterest income to average assets | 0.2982% | 3,955 |
| Noninterest expense to average assets | 2.0114% | 4,529 |
| Loan and lease loss provision to assets | 0.0029% | 3,807 |
| Net operating income to assets | 0.8691% | 3,456 |
| Return on assets (ROA) | 0.8691% | 3,539 |
| Pretax return on assets | 1.2440% | 2,833 |
| Return on Equity (ROE) | 5.9181% | 4,070 |
| Retained earnings to average equity (ytd only) | 5.9181% | 2,411 |
| Net charge-offs to loans | 0.0033% | 3,296 |
| Credit loss provision to net charge-offs | 101.6129% | 2,220 |
| Earnings coverage of net charge-offs (x) | 437.6534% | 225 |
| Efficiency ratio | 61.4039% | 3,422 |
| Assets per employee ($millions) | 9.3753% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6512% | 4,729 |
| Loan loss allowance to noncurrent loans | 1,239.8285% | 496 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 4,488 |
| Noncurrent loans to loans | 0.0525% | 4,409 |
| Net loans and leases to total assets | 86.0017% | 193 |
| Net loans and leases to deposits | 112.2134% | 175 |
| Net loans and leases to core deposits | 147.9709% | 133 |
| Total domestic deposits to total assets | 76.6412% | 4,567 |
| Equity capital to assets | 15.4239% | 743 |
| Core capital (leverage) ratio | 13.3537% | 1,191 |
| Tier 1 risk-based capital ratio | 15.5170% | 2,637 |
| Total risk-based capital ratio | 16.1779% | 2,814 |
| Memoranda: | ||
| Average total assets | $2,901,232,250 | 324 |
| Average earning assets | $2,765,740,500 | 313 |
| Average equity | $426,051,250 | 278 |
| Average total loans | $2,507,289,000 | 287 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 2,719 |
| Cost of funding earning assets | 1.4721% | 415 |
| Net interest margin | 3.1146% | 4,506 |
| Noninterest income to average assets | 0.2989% | 3,943 |
| Noninterest expense to average assets | 1.9646% | 4,664 |
| Loan and lease loss provision to assets | 0.0026% | 3,654 |
| Net operating income to assets | 0.9110% | 3,240 |
| Return on assets (ROA) | 0.9110% | 3,301 |
| Pretax return on assets | 1.3047% | 2,546 |
| Return on Equity (ROE) | 6.3052% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.3052% | 2,139 |
| Net charge-offs to loans | 0.0030% | 3,061 |
| Credit loss provision to net charge-offs | 100.0000% | 1,959 |
| Earnings coverage of net charge-offs (x) | 503.6053% | 149 |
| Efficiency ratio | 59.5707% | 3,790 |
| Assets per employee ($millions) | 9.2633% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6293% | 4,825 |
| Loan loss allowance to noncurrent loans | 75.7753% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 1,916 |
| Noncurrent loans to loans | 0.8304% | 1,929 |
| Net loans and leases to total assets | 85.8110% | 229 |
| Net loans and leases to deposits | 113.0119% | 166 |
| Net loans and leases to core deposits | 151.0449% | 128 |
| Total domestic deposits to total assets | 75.9309% | 4,678 |
| Equity capital to assets | 14.6789% | 899 |
| Core capital (leverage) ratio | 13.2664% | 1,198 |
| Tier 1 risk-based capital ratio | 14.7148% | 2,955 |
| Total risk-based capital ratio | 15.3516% | 3,180 |
| Memoranda: | ||
| Average total assets | $2,927,657,330 | 325 |
| Average earning assets | $2,794,657,670 | 313 |
| Average equity | $422,983,000 | 281 |
| Average total loans | $2,528,773,000 | 289 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6162% | 2,480 |
| Cost of funding earning assets | 1.5080% | 316 |
| Net interest margin | 3.1082% | 4,582 |
| Noninterest income to average assets | 0.2548% | 4,185 |
| Noninterest expense to average assets | 1.9412% | 4,742 |
| Loan and lease loss provision to assets | 0.0023% | 3,388 |
| Net operating income to assets | 0.8988% | 3,241 |
| Return on assets (ROA) | 0.8988% | 3,294 |
| Pretax return on assets | 1.2835% | 2,520 |
| Return on Equity (ROE) | 6.2712% | 3,934 |
| Retained earnings to average equity (ytd only) | 6.2712% | 2,334 |
| Net charge-offs to loans | 0.0024% | 2,672 |
| Credit loss provision to net charge-offs | 113.3333% | 1,470 |
| Earnings coverage of net charge-offs (x) | 627.4667% | 114 |
| Efficiency ratio | 59.6757% | 3,852 |
| Assets per employee ($millions) | 9.8316% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 4,898 |
| Loan loss allowance to noncurrent loans | 1,188.0508% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 4,604 |
| Noncurrent loans to loans | 0.0524% | 4,526 |
| Net loans and leases to total assets | 85.6086% | 221 |
| Net loans and leases to deposits | 108.3472% | 261 |
| Net loans and leases to core deposits | 144.1785% | 155 |
| Total domestic deposits to total assets | 79.0133% | 4,345 |
| Equity capital to assets | 14.2440% | 954 |
| Core capital (leverage) ratio | 12.5483% | 1,482 |
| Tier 1 risk-based capital ratio | 14.4573% | 3,114 |
| Total risk-based capital ratio | 15.0947% | 3,340 |
| Memoranda: | ||
| Average total assets | $2,927,887,500 | 330 |
| Average earning assets | $2,799,820,000 | 316 |
| Average equity | $419,634,500 | 282 |
| Average total loans | $2,529,278,500 | 289 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4024% | 2,752 |
| Cost of funding earning assets | 1.0456% | 622 |
| Net interest margin | 3.3568% | 4,114 |
| Noninterest income to average assets | 0.4379% | 3,187 |
| Noninterest expense to average assets | 2.1896% | 4,365 |
| Loan and lease loss provision to assets | 0.2130% | 862 |
| Net operating income to assets | 0.8773% | 3,509 |
| Return on assets (ROA) | 0.8773% | 3,502 |
| Pretax return on assets | 1.2584% | 2,661 |
| Return on Equity (ROE) | 5.9553% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.9553% | 2,220 |
| Net charge-offs to loans | 0.0333% | 2,738 |
| Credit loss provision to net charge-offs | 742.1833% | 485 |
| Earnings coverage of net charge-offs (x) | 51.2601% | 1,119 |
| Efficiency ratio | 59.2874% | 3,973 |
| Assets per employee ($millions) | 9.4335% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6360% | 4,914 |
| Loan loss allowance to noncurrent loans | 1,163.5699% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 4,611 |
| Noncurrent loans to loans | 0.0547% | 4,504 |
| Net loans and leases to total assets | 86.0830% | 231 |
| Net loans and leases to deposits | 110.5209% | 240 |
| Net loans and leases to core deposits | 148.4630% | 141 |
| Total domestic deposits to total assets | 77.8885% | 4,511 |
| Equity capital to assets | 14.4232% | 863 |
| Core capital (leverage) ratio | 13.5463% | 1,063 |
| Tier 1 risk-based capital ratio | 14.6636% | 2,984 |
| Total risk-based capital ratio | 15.3219% | 3,191 |
| Memoranda: | ||
| Average total assets | $2,584,944,400 | 353 |
| Average earning assets | $2,481,975,000 | 337 |
| Average equity | $380,805,600 | 297 |
| Average total loans | $2,229,832,800 | 311 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 2,781 |
| Cost of funding earning assets | 0.9689% | 688 |
| Net interest margin | 3.3848% | 4,050 |
| Noninterest income to average assets | 0.4447% | 3,206 |
| Noninterest expense to average assets | 2.2277% | 4,260 |
| Loan and lease loss provision to assets | 0.2223% | 739 |
| Net operating income to assets | 0.8477% | 3,750 |
| Return on assets (ROA) | 0.8477% | 3,756 |
| Pretax return on assets | 1.2440% | 2,835 |
| Return on Equity (ROE) | 5.7201% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.7201% | 2,814 |
| Net charge-offs to loans | 0.0453% | 2,193 |
| Credit loss provision to net charge-offs | 570.0272% | 629 |
| Earnings coverage of net charge-offs (x) | 37.5995% | 1,406 |
| Efficiency ratio | 59.7630% | 3,847 |
| Assets per employee ($millions) | 8.7423% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6402% | 4,986 |
| Loan loss allowance to noncurrent loans | 1,046.7001% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 4,701 |
| Noncurrent loans to loans | 0.0612% | 4,614 |
| Net loans and leases to total assets | 86.3491% | 232 |
| Net loans and leases to deposits | 107.7732% | 364 |
| Net loans and leases to core deposits | 149.3037% | 137 |
| Total domestic deposits to total assets | 80.1211% | 4,090 |
| Equity capital to assets | 15.6184% | 598 |
| Core capital (leverage) ratio | 14.3410% | 852 |
| Tier 1 risk-based capital ratio | 15.5922% | 2,608 |
| Total risk-based capital ratio | 16.2446% | 2,806 |
| Memoranda: | ||
| Average total assets | $2,509,520,250 | 356 |
| Average earning assets | $2,408,994,000 | 344 |
| Average equity | $371,920,750 | 300 |
| Average total loans | $2,162,087,500 | 315 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,770 |
| Cost of funding earning assets | 0.9448% | 595 |
| Net interest margin | 3.3517% | 4,101 |
| Noninterest income to average assets | 0.4390% | 3,224 |
| Noninterest expense to average assets | 2.2284% | 4,305 |
| Loan and lease loss provision to assets | 0.2257% | 723 |
| Net operating income to assets | 0.8305% | 3,751 |
| Return on assets (ROA) | 0.8305% | 3,754 |
| Pretax return on assets | 1.2019% | 2,939 |
| Return on Equity (ROE) | 5.7125% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.7125% | 2,718 |
| Net charge-offs to loans | 0.0008% | 3,191 |
| Credit loss provision to net charge-offs | 34,862.5000% | 10 |
| Earnings coverage of net charge-offs (x) | 2,205.3750% | 29 |
| Efficiency ratio | 60.3709% | 3,887 |
| Assets per employee ($millions) | 8.6499% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6079% | 5,089 |
| Loan loss allowance to noncurrent loans | 800.1149% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 4,683 |
| Noncurrent loans to loans | 0.0760% | 4,582 |
| Net loans and leases to total assets | 87.1363% | 191 |
| Net loans and leases to deposits | 111.2053% | 253 |
| Net loans and leases to core deposits | 144.6617% | 157 |
| Total domestic deposits to total assets | 78.3562% | 4,530 |
| Equity capital to assets | 15.4629% | 600 |
| Core capital (leverage) ratio | 14.1769% | 864 |
| Tier 1 risk-based capital ratio | 15.4500% | 2,663 |
| Total risk-based capital ratio | 16.0727% | 2,886 |
| Memoranda: | ||
| Average total assets | $2,471,795,000 | 358 |
| Average earning assets | $2,372,421,000 | 347 |
| Average equity | $359,353,330 | 302 |
| Average total loans | $2,123,028,000 | 318 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2139% | 2,846 |
| Cost of funding earning assets | 0.8525% | 757 |
| Net interest margin | 3.3614% | 4,017 |
| Noninterest income to average assets | 0.7768% | 1,530 |
| Noninterest expense to average assets | 2.3027% | 4,188 |
| Loan and lease loss provision to assets | 0.0020% | 3,494 |
| Net operating income to assets | 1.1729% | 2,123 |
| Return on assets (ROA) | 1.1729% | 2,133 |
| Pretax return on assets | 1.6942% | 1,130 |
| Return on Equity (ROE) | 8.3538% | 3,216 |
| Retained earnings to average equity (ytd only) | 8.3538% | 1,707 |
| Net charge-offs to loans | 0.0004% | 2,716 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 5,092.0000% | 9 |
| Efficiency ratio | 57.0369% | 4,461 |
| Assets per employee ($millions) | 8.2930% | 565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5508% | 5,261 |
| Loan loss allowance to noncurrent loans | 2,706.5534% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 5,035 |
| Noncurrent loans to loans | 0.0204% | 4,897 |
| Net loans and leases to total assets | 82.2925% | 628 |
| Net loans and leases to deposits | 96.8564% | 948 |
| Net loans and leases to core deposits | 128.9915% | 360 |
| Total domestic deposits to total assets | 84.9633% | 2,944 |
| Equity capital to assets | 13.9268% | 910 |
| Core capital (leverage) ratio | 12.1386% | 1,563 |
| Tier 1 risk-based capital ratio | 14.2699% | 3,243 |
| Total risk-based capital ratio | 14.8477% | 3,514 |
| Memoranda: | ||
| Average total assets | $2,401,561,500 | 371 |
| Average earning assets | $2,302,016,500 | 356 |
| Average equity | $337,188,000 | 320 |
| Average total loans | $2,039,467,000 | 324 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 3,804 |
| Cost of funding earning assets | 0.7008% | 1,011 |
| Net interest margin | 3.1739% | 4,507 |
| Noninterest income to average assets | 0.6817% | 2,044 |
| Noninterest expense to average assets | 2.4303% | 3,989 |
| Loan and lease loss provision to assets | 0.0394% | 3,479 |
| Net operating income to assets | 0.5588% | 4,193 |
| Return on assets (ROA) | 0.5588% | 4,227 |
| Pretax return on assets | 1.2430% | 2,582 |
| Return on Equity (ROE) | 3.7518% | 4,583 |
| Retained earnings to average equity (ytd only) | 3.7518% | 2,978 |
| Net charge-offs to loans | 0.0011% | 4,085 |
| Credit loss provision to net charge-offs | 4,142.8571% | 99 |
| Earnings coverage of net charge-offs (x) | 1,349.4762% | 56 |
| Efficiency ratio | 64.7620% | 3,487 |
| Assets per employee ($millions) | 8.0642% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5449% | 5,331 |
| Loan loss allowance to noncurrent loans | 4,929.6460% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,123 |
| Noncurrent loans to loans | 0.0111% | 4,987 |
| Net loans and leases to total assets | 86.6502% | 211 |
| Net loans and leases to deposits | 102.3520% | 585 |
| Net loans and leases to core deposits | 134.7978% | 276 |
| Total domestic deposits to total assets | 84.6590% | 2,966 |
| Equity capital to assets | 14.2186% | 852 |
| Core capital (leverage) ratio | 12.3368% | 1,430 |
| Tier 1 risk-based capital ratio | 13.7349% | 3,504 |
| Total risk-based capital ratio | 14.3056% | 3,779 |
| Memoranda: | ||
| Average total assets | $2,209,820,800 | 376 |
| Average earning assets | $2,110,342,400 | 364 |
| Average equity | $329,117,800 | 312 |
| Average total loans | $1,845,856,800 | 332 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7801% | 4,069 |
| Cost of funding earning assets | 0.6582% | 1,188 |
| Net interest margin | 3.1220% | 4,648 |
| Noninterest income to average assets | 0.6868% | 2,054 |
| Noninterest expense to average assets | 2.4212% | 3,963 |
| Loan and lease loss provision to assets | -0.0850% | 5,570 |
| Net operating income to assets | 0.7831% | 3,590 |
| Return on assets (ROA) | 0.7831% | 3,646 |
| Pretax return on assets | 1.3293% | 2,365 |
| Return on Equity (ROE) | 5.1945% | 4,450 |
| Retained earnings to average equity (ytd only) | 5.1945% | 2,751 |
| Net charge-offs to loans | 0.0008% | 3,769 |
| Credit loss provision to net charge-offs | -12,609.0909% | 5,229 |
| Earnings coverage of net charge-offs (x) | 1,845.3524% | 43 |
| Efficiency ratio | 65.3208% | 3,325 |
| Assets per employee ($millions) | 7.8160% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4626% | 5,507 |
| Loan loss allowance to noncurrent loans | 3,736.9748% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 5,210 |
| Noncurrent loans to loans | 0.0124% | 5,094 |
| Net loans and leases to total assets | 84.7190% | 365 |
| Net loans and leases to deposits | 100.6113% | 705 |
| Net loans and leases to core deposits | 134.2441% | 280 |
| Total domestic deposits to total assets | 84.2042% | 3,043 |
| Equity capital to assets | 14.7908% | 783 |
| Core capital (leverage) ratio | 13.1468% | 1,149 |
| Tier 1 risk-based capital ratio | 14.4906% | 3,188 |
| Total risk-based capital ratio | 14.9751% | 3,499 |
| Memoranda: | ||
| Average total assets | $2,175,603,500 | 386 |
| Average earning assets | $2,075,777,750 | 370 |
| Average equity | $327,980,500 | 311 |
| Average total loans | $1,796,182,750 | 341 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7181% | 4,170 |
| Cost of funding earning assets | 0.6205% | 1,331 |
| Net interest margin | 3.0976% | 4,690 |
| Noninterest income to average assets | 0.7807% | 1,644 |
| Noninterest expense to average assets | 2.4080% | 4,030 |
| Loan and lease loss provision to assets | -0.1293% | 5,667 |
| Net operating income to assets | 0.8462% | 3,174 |
| Return on assets (ROA) | 0.8462% | 3,220 |
| Pretax return on assets | 1.4554% | 1,809 |
| Return on Equity (ROE) | 5.5765% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.5765% | 2,369 |
| Net charge-offs to loans | 0.0013% | 3,480 |
| Credit loss provision to net charge-offs | -12,627.2727% | 5,121 |
| Earnings coverage of net charge-offs (x) | 1,294.6364% | 51 |
| Efficiency ratio | 63.7266% | 3,720 |
| Assets per employee ($millions) | 7.3502% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4772% | 5,540 |
| Loan loss allowance to noncurrent loans | 4,337.5610% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,257 |
| Noncurrent loans to loans | 0.0110% | 5,138 |
| Net loans and leases to total assets | 86.7075% | 228 |
| Net loans and leases to deposits | 107.3562% | 344 |
| Net loans and leases to core deposits | 135.5885% | 236 |
| Total domestic deposits to total assets | 80.7662% | 4,244 |
| Equity capital to assets | 15.4475% | 625 |
| Core capital (leverage) ratio | 13.5881% | 974 |
| Tier 1 risk-based capital ratio | 14.6447% | 3,087 |
| Total risk-based capital ratio | 15.1417% | 3,405 |
| Memoranda: | ||
| Average total assets | $2,147,865,000 | 391 |
| Average earning assets | $2,047,839,670 | 376 |
| Average equity | $325,941,670 | 312 |
| Average total loans | $1,754,062,670 | 346 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7509% | 3,936 |
| Cost of funding earning assets | 0.6215% | 1,234 |
| Net interest margin | 3.1295% | 4,568 |
| Noninterest income to average assets | 0.8755% | 1,319 |
| Noninterest expense to average assets | 2.3916% | 4,136 |
| Loan and lease loss provision to assets | -0.4457% | 5,828 |
| Net operating income to assets | 0.9229% | 2,651 |
| Return on assets (ROA) | 0.9229% | 2,707 |
| Pretax return on assets | 1.9121% | 607 |
| Return on Equity (ROE) | 6.1364% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.1364% | 2,266 |
| Net charge-offs to loans | 0.0005% | 2,935 |
| Credit loss provision to net charge-offs | -119,900.0000% | 4,808 |
| Earnings coverage of net charge-offs (x) | 3,945.5000% | 5 |
| Efficiency ratio | 61.2572% | 4,275 |
| Assets per employee ($millions) | 7.0788% | 914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4699% | 5,620 |
| Loan loss allowance to noncurrent loans | 1,920.1946% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0318% | 5,190 |
| Noncurrent loans to loans | 0.0245% | 5,124 |
| Net loans and leases to total assets | 80.5871% | 755 |
| Net loans and leases to deposits | 97.4806% | 812 |
| Net loans and leases to core deposits | 120.3924% | 456 |
| Total domestic deposits to total assets | 82.6699% | 3,958 |
| Equity capital to assets | 15.7315% | 535 |
| Core capital (leverage) ratio | 12.7314% | 1,243 |
| Tier 1 risk-based capital ratio | 15.7806% | 2,629 |
| Total risk-based capital ratio | 16.2687% | 2,883 |
| Memoranda: | ||
| Average total assets | $2,152,345,500 | 390 |
| Average earning assets | $2,051,322,500 | 376 |
| Average equity | $323,709,000 | 315 |
| Average total loans | $1,699,352,500 | 353 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 4,840 |
| Cost of funding earning assets | 0.6392% | 1,114 |
| Net interest margin | 2.8329% | 5,238 |
| Noninterest income to average assets | 0.6545% | 2,398 |
| Noninterest expense to average assets | 2.6017% | 3,672 |
| Loan and lease loss provision to assets | 0.1048% | 2,296 |
| Net operating income to assets | 0.3313% | 5,139 |
| Return on assets (ROA) | 0.3313% | 5,214 |
| Pretax return on assets | 0.6286% | 4,712 |
| Return on Equity (ROE) | 2.0880% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.0880% | 4,349 |
| Net charge-offs to loans | -0.0001% | 4,622 |
| Credit loss provision to net charge-offs | -104,950.0000% | 5,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0143% | 1,841 |
| Assets per employee ($millions) | 7.5104% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5986% | 5,536 |
| Loan loss allowance to noncurrent loans | 411.5154% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1232% | 4,822 |
| Noncurrent loans to loans | 0.1455% | 4,652 |
| Net loans and leases to total assets | 76.6194% | 1,420 |
| Net loans and leases to deposits | 90.7859% | 1,596 |
| Net loans and leases to core deposits | 116.2764% | 606 |
| Total domestic deposits to total assets | 84.3957% | 3,275 |
| Equity capital to assets | 14.3967% | 766 |
| Core capital (leverage) ratio | 12.0218% | 1,584 |
| Tier 1 risk-based capital ratio | 14.8224% | 3,040 |
| Total risk-based capital ratio | 15.4338% | 3,285 |
| Memoranda: | ||
| Average total assets | $2,002,067,000 | 392 |
| Average earning assets | $1,894,451,000 | 384 |
| Average equity | $317,621,200 | 310 |
| Average total loans | $1,598,004,600 | 356 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4670% | 4,899 |
| Cost of funding earning assets | 0.6191% | 1,211 |
| Net interest margin | 2.8480% | 5,275 |
| Noninterest income to average assets | 0.5976% | 2,677 |
| Noninterest expense to average assets | 2.5521% | 3,819 |
| Loan and lease loss provision to assets | 0.1261% | 1,851 |
| Net operating income to assets | 0.3529% | 5,158 |
| Return on assets (ROA) | 0.3529% | 5,237 |
| Pretax return on assets | 0.6093% | 4,851 |
| Return on Equity (ROE) | 2.1670% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.1670% | 4,610 |
| Net charge-offs to loans | -0.0002% | 4,406 |
| Credit loss provision to net charge-offs | -91,950.0000% | 5,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5702% | 1,901 |
| Assets per employee ($millions) | 7.1225% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5931% | 5,618 |
| Loan loss allowance to noncurrent loans | 369.7752% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.1386% | 4,881 |
| Noncurrent loans to loans | 0.1604% | 4,710 |
| Net loans and leases to total assets | 78.6941% | 1,082 |
| Net loans and leases to deposits | 93.9882% | 1,257 |
| Net loans and leases to core deposits | 127.6126% | 343 |
| Total domestic deposits to total assets | 83.7276% | 3,308 |
| Equity capital to assets | 14.9597% | 749 |
| Core capital (leverage) ratio | 12.6816% | 1,318 |
| Tier 1 risk-based capital ratio | 14.5285% | 3,275 |
| Total risk-based capital ratio | 15.1287% | 3,547 |
| Memoranda: | ||
| Average total assets | $1,944,933,000 | 402 |
| Average earning assets | $1,836,943,750 | 391 |
| Average equity | $316,743,250 | 310 |
| Average total loans | $1,567,664,250 | 359 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4079% | 5,062 |
| Cost of funding earning assets | 0.5916% | 1,385 |
| Net interest margin | 2.8163% | 5,401 |
| Noninterest income to average assets | 0.7434% | 1,959 |
| Noninterest expense to average assets | 2.6293% | 3,613 |
| Loan and lease loss provision to assets | 0.1680% | 1,328 |
| Net operating income to assets | 0.3417% | 5,203 |
| Return on assets (ROA) | 0.3417% | 5,288 |
| Pretax return on assets | 0.5989% | 4,888 |
| Return on Equity (ROE) | 2.0356% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.0356% | 4,543 |
| Net charge-offs to loans | -0.0003% | 4,294 |
| Credit loss provision to net charge-offs | -79,000.0000% | 5,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3133% | 2,037 |
| Assets per employee ($millions) | 6.5163% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6006% | 5,680 |
| Loan loss allowance to noncurrent loans | 351.5468% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 4,916 |
| Noncurrent loans to loans | 0.1708% | 4,751 |
| Net loans and leases to total assets | 80.0733% | 888 |
| Net loans and leases to deposits | 99.6198% | 724 |
| Net loans and leases to core deposits | 135.2738% | 230 |
| Total domestic deposits to total assets | 80.3789% | 4,458 |
| Equity capital to assets | 15.7281% | 587 |
| Core capital (leverage) ratio | 13.6629% | 922 |
| Tier 1 risk-based capital ratio | 14.6145% | 3,245 |
| Total risk-based capital ratio | 15.2095% | 3,550 |
| Memoranda: | ||
| Average total assets | $1,880,999,000 | 412 |
| Average earning assets | $1,771,804,000 | 401 |
| Average equity | $315,774,670 | 306 |
| Average total loans | $1,526,380,330 | 368 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3612% | 5,202 |
| Cost of funding earning assets | 0.5756% | 1,503 |
| Net interest margin | 2.7856% | 5,491 |
| Noninterest income to average assets | 0.5205% | 2,987 |
| Noninterest expense to average assets | 2.5935% | 3,768 |
| Loan and lease loss provision to assets | 0.1828% | 1,094 |
| Net operating income to assets | 0.1340% | 5,632 |
| Return on assets (ROA) | 0.1340% | 5,683 |
| Pretax return on assets | 0.3621% | 5,374 |
| Return on Equity (ROE) | 0.7713% | 5,730 |
| Retained earnings to average equity (ytd only) | 0.7713% | 4,909 |
| Net charge-offs to loans | -0.0005% | 4,067 |
| Credit loss provision to net charge-offs | -41,400.0000% | 5,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4043% | 1,435 |
| Assets per employee ($millions) | 6.7200% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 5,743 |
| Loan loss allowance to noncurrent loans | 413.8073% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 5,062 |
| Noncurrent loans to loans | 0.1452% | 4,896 |
| Net loans and leases to total assets | 78.1773% | 1,080 |
| Net loans and leases to deposits | 95.6643% | 971 |
| Net loans and leases to core deposits | 128.8706% | 288 |
| Total domestic deposits to total assets | 81.7205% | 4,303 |
| Equity capital to assets | 16.5109% | 475 |
| Core capital (leverage) ratio | 14.3286% | 731 |
| Tier 1 risk-based capital ratio | 15.5572% | 2,886 |
| Total risk-based capital ratio | 16.1462% | 3,142 |
| Memoranda: | ||
| Average total assets | $1,811,477,000 | 424 |
| Average earning assets | $1,702,498,500 | 410 |
| Average equity | $314,804,500 | 306 |
| Average total loans | $1,475,926,500 | 375 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3159% | 5,318 |
| Cost of funding earning assets | 0.4667% | 2,465 |
| Net interest margin | 2.8492% | 5,425 |
| Noninterest income to average assets | 0.8691% | 1,534 |
| Noninterest expense to average assets | 3.0605% | 2,349 |
| Loan and lease loss provision to assets | 0.2056% | 1,036 |
| Net operating income to assets | 0.2732% | 5,431 |
| Return on assets (ROA) | 0.2732% | 5,509 |
| Pretax return on assets | 0.2373% | 5,635 |
| Return on Equity (ROE) | 1.2648% | 5,726 |
| Retained earnings to average equity (ytd only) | 1.2648% | 4,994 |
| Net charge-offs to loans | -0.0022% | 4,884 |
| Credit loss provision to net charge-offs | -11,415.3846% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8397% | 1,004 |
| Assets per employee ($millions) | 6.3032% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5646% | 5,849 |
| Loan loss allowance to noncurrent loans | 405.6959% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 5,066 |
| Noncurrent loans to loans | 0.1392% | 4,939 |
| Net loans and leases to total assets | 84.1449% | 378 |
| Net loans and leases to deposits | 111.0879% | 218 |
| Net loans and leases to core deposits | 146.0484% | 131 |
| Total domestic deposits to total assets | 75.7462% | 5,472 |
| Equity capital to assets | 18.3439% | 289 |
| Core capital (leverage) ratio | 15.9672% | 468 |
| Tier 1 risk-based capital ratio | 16.6008% | 2,426 |
| Total risk-based capital ratio | 17.1819% | 2,660 |
| Memoranda: | ||
| Average total assets | $1,443,881,800 | 495 |
| Average earning assets | $1,334,970,200 | 488 |
| Average equity | $311,818,000 | 293 |
| Average total loans | $1,170,395,000 | 424 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3140% | 5,379 |
| Cost of funding earning assets | 0.4430% | 2,759 |
| Net interest margin | 2.8711% | 5,460 |
| Noninterest income to average assets | 0.8319% | 1,685 |
| Noninterest expense to average assets | 3.1014% | 2,215 |
| Loan and lease loss provision to assets | 0.1377% | 1,621 |
| Net operating income to assets | 0.2143% | 5,653 |
| Return on assets (ROA) | 0.2143% | 5,712 |
| Pretax return on assets | 0.2382% | 5,737 |
| Return on Equity (ROE) | 0.9479% | 5,866 |
| Retained earnings to average equity (ytd only) | 0.9479% | 5,334 |
| Net charge-offs to loans | -0.0028% | 4,744 |
| Credit loss provision to net charge-offs | -6,178.2609% | 5,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5491% | 882 |
| Assets per employee ($millions) | 5.9591% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5321% | 5,987 |
| Loan loss allowance to noncurrent loans | 303.7969% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 5,135 |
| Noncurrent loans to loans | 0.1752% | 4,954 |
| Net loans and leases to total assets | 78.6064% | 1,006 |
| Net loans and leases to deposits | 107.9971% | 305 |
| Net loans and leases to core deposits | 139.6895% | 169 |
| Total domestic deposits to total assets | 72.7856% | 5,810 |
| Equity capital to assets | 19.8060% | 244 |
| Core capital (leverage) ratio | 17.6412% | 320 |
| Tier 1 risk-based capital ratio | 19.2926% | 1,706 |
| Total risk-based capital ratio | 19.8407% | 1,840 |
| Memoranda: | ||
| Average total assets | $1,376,234,500 | 519 |
| Average earning assets | $1,268,069,500 | 518 |
| Average equity | $311,147,250 | 301 |
| Average total loans | $1,100,286,000 | 447 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4613% | 5,080 |
| Cost of funding earning assets | 0.4403% | 2,838 |
| Net interest margin | 3.0210% | 5,175 |
| Noninterest income to average assets | 0.7173% | 2,142 |
| Noninterest expense to average assets | 3.1720% | 2,059 |
| Loan and lease loss provision to assets | 0.1634% | 1,289 |
| Net operating income to assets | 0.1053% | 5,870 |
| Return on assets (ROA) | 0.1053% | 5,920 |
| Pretax return on assets | 0.1525% | 5,877 |
| Return on Equity (ROE) | 0.4436% | 5,973 |
| Retained earnings to average equity (ytd only) | 0.4436% | 5,369 |
| Net charge-offs to loans | -0.0038% | 4,678 |
| Credit loss provision to net charge-offs | -5,345.0000% | 5,595 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1460% | 817 |
| Assets per employee ($millions) | 5.1811% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5670% | 6,023 |
| Loan loss allowance to noncurrent loans | 139.1940% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 0.3496% | 4,489 |
| Noncurrent loans to loans | 0.4073% | 4,257 |
| Net loans and leases to total assets | 80.2901% | 765 |
| Net loans and leases to deposits | 106.0940% | 373 |
| Net loans and leases to core deposits | 143.1355% | 146 |
| Total domestic deposits to total assets | 75.6783% | 5,637 |
| Equity capital to assets | 22.6692% | 132 |
| Core capital (leverage) ratio | 18.8765% | 241 |
| Tier 1 risk-based capital ratio | 20.9925% | 1,365 |
| Total risk-based capital ratio | 21.5598% | 1,458 |
| Memoranda: | ||
| Average total assets | $1,308,592,330 | 544 |
| Average earning assets | $1,200,123,330 | 543 |
| Average equity | $310,606,670 | 302 |
| Average total loans | $1,051,060,670 | 462 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3399% | 5,346 |
| Cost of funding earning assets | 0.4210% | 3,059 |
| Net interest margin | 2.9189% | 5,409 |
| Noninterest income to average assets | 0.4021% | 3,989 |
| Noninterest expense to average assets | 3.0100% | 2,552 |
| Loan and lease loss provision to assets | 0.3306% | 411 |
| Net operating income to assets | -0.1692% | 6,134 |
| Return on assets (ROA) | -0.1692% | 6,155 |
| Pretax return on assets | -0.2686% | 6,182 |
| Return on Equity (ROE) | -0.6961% | 6,108 |
| Retained earnings to average equity (ytd only) | -0.6961% | 5,499 |
| Net charge-offs to loans | -0.0070% | 4,597 |
| Credit loss provision to net charge-offs | -5,861.1111% | 5,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8992% | 507 |
| Assets per employee ($millions) | 5.4007% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5744% | 6,087 |
| Loan loss allowance to noncurrent loans | 136.8099% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.3739% | 4,520 |
| Noncurrent loans to loans | 0.4198% | 4,335 |
| Net loans and leases to total assets | 83.3910% | 348 |
| Net loans and leases to deposits | 118.0319% | 111 |
| Net loans and leases to core deposits | 150.1581% | 102 |
| Total domestic deposits to total assets | 70.6512% | 6,098 |
| Equity capital to assets | 23.8189% | 113 |
| Core capital (leverage) ratio | 20.3692% | 192 |
| Tier 1 risk-based capital ratio | 22.0751% | 1,228 |
| Total risk-based capital ratio | 22.6655% | 1,317 |
| Memoranda: | ||
| Average total assets | $1,276,392,000 | 553 |
| Average earning assets | $1,167,581,000 | 551 |
| Average equity | $310,287,000 | 303 |
| Average total loans | $1,022,259,000 | 469 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8075% | 4,468 |
| Cost of funding earning assets | 0.5333% | 2,347 |
| Net interest margin | 3.2742% | 4,671 |
| Noninterest income to average assets | 0.8056% | 1,854 |
| Noninterest expense to average assets | 3.5350% | 1,409 |
| Loan and lease loss provision to assets | 0.0884% | 2,699 |
| Net operating income to assets | 0.0885% | 5,969 |
| Return on assets (ROA) | 0.0885% | 5,997 |
| Pretax return on assets | 0.1395% | 5,954 |
| Return on Equity (ROE) | 0.4979% | 6,037 |
| Retained earnings to average equity (ytd only) | 0.4979% | 5,548 |
| Net charge-offs to loans | 0.0724% | 3,450 |
| Credit loss provision to net charge-offs | 161.7406% | 1,501 |
| Earnings coverage of net charge-offs (x) | 4.1691% | 3,717 |
| Efficiency ratio | 91.8152% | 721 |
| Assets per employee ($millions) | 5.2352% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5454% | 6,207 |
| Loan loss allowance to noncurrent loans | 213.1665% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 0.2175% | 5,154 |
| Noncurrent loans to loans | 0.2559% | 4,920 |
| Net loans and leases to total assets | 75.7392% | 1,308 |
| Net loans and leases to deposits | 105.7909% | 367 |
| Net loans and leases to core deposits | 130.2027% | 243 |
| Total domestic deposits to total assets | 71.5933% | 6,114 |
| Equity capital to assets | 24.8203% | 101 |
| Core capital (leverage) ratio | 20.5417% | 190 |
| Tier 1 risk-based capital ratio | 26.3774% | 730 |
| Total risk-based capital ratio | 26.9812% | 769 |
| Memoranda: | ||
| Average total assets | $1,114,015,400 | 608 |
| Average earning assets | $1,006,165,000 | 602 |
| Average equity | $198,047,400 | 407 |
| Average total loans | $840,778,400 | 531 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0033% | 3,745 |
| Cost of funding earning assets | 0.5462% | 2,327 |
| Net interest margin | 3.4570% | 3,993 |
| Noninterest income to average assets | 0.7204% | 2,223 |
| Noninterest expense to average assets | 3.4979% | 1,464 |
| Loan and lease loss provision to assets | 0.1082% | 2,233 |
| Net operating income to assets | 0.1516% | 5,940 |
| Return on assets (ROA) | 0.1516% | 5,975 |
| Pretax return on assets | 0.2249% | 5,911 |
| Return on Equity (ROE) | 0.9636% | 6,034 |
| Retained earnings to average equity (ytd only) | 0.9636% | 5,498 |
| Net charge-offs to loans | 0.0978% | 2,826 |
| Credit loss provision to net charge-offs | 146.9799% | 1,608 |
| Earnings coverage of net charge-offs (x) | 4.5251% | 3,436 |
| Efficiency ratio | 89.1049% | 920 |
| Assets per employee ($millions) | 4.8766% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5954% | 6,227 |
| Loan loss allowance to noncurrent loans | 179.4863% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 5,102 |
| Noncurrent loans to loans | 0.3317% | 4,909 |
| Net loans and leases to total assets | 77.6159% | 1,003 |
| Net loans and leases to deposits | 93.5001% | 1,080 |
| Net loans and leases to core deposits | 117.7350% | 445 |
| Total domestic deposits to total assets | 83.0115% | 4,148 |
| Equity capital to assets | 15.5663% | 621 |
| Core capital (leverage) ratio | 8.9111% | 5,179 |
| Tier 1 risk-based capital ratio | 11.5283% | 5,779 |
| Total risk-based capital ratio | 12.1873% | 5,974 |
| Memoranda: | ||
| Average total assets | $1,079,713,500 | 621 |
| Average earning assets | $971,484,500 | 621 |
| Average equity | $169,920,000 | 460 |
| Average total loans | $812,757,250 | 541 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1012% | 3,336 |
| Cost of funding earning assets | 0.5420% | 2,416 |
| Net interest margin | 3.5592% | 3,532 |
| Noninterest income to average assets | 0.1488% | 6,067 |
| Noninterest expense to average assets | 3.1441% | 2,348 |
| Loan and lease loss provision to assets | 0.2010% | 1,199 |
| Net operating income to assets | 0.0065% | 6,177 |
| Return on assets (ROA) | 0.0065% | 6,200 |
| Pretax return on assets | 0.0006% | 6,193 |
| Return on Equity (ROE) | 0.0413% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.0413% | 5,665 |
| Net charge-offs to loans | 0.1561% | 2,140 |
| Credit loss provision to net charge-offs | 173.1942% | 1,314 |
| Earnings coverage of net charge-offs (x) | 1.7368% | 3,726 |
| Efficiency ratio | 91.3271% | 814 |
| Assets per employee ($millions) | 4.7313% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6263% | 6,277 |
| Loan loss allowance to noncurrent loans | 39.0253% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 2,530 |
| Noncurrent loans to loans | 1.6047% | 2,164 |
| Net loans and leases to total assets | 80.0817% | 681 |
| Net loans and leases to deposits | 97.1822% | 722 |
| Net loans and leases to core deposits | 121.5552% | 341 |
| Total domestic deposits to total assets | 82.4037% | 4,504 |
| Equity capital to assets | 16.2206% | 512 |
| Core capital (leverage) ratio | 8.3588% | 5,789 |
| Tier 1 risk-based capital ratio | 11.0346% | 6,038 |
| Total risk-based capital ratio | 11.7016% | 6,214 |
| Memoranda: | ||
| Average total assets | $1,073,872,330 | 621 |
| Average earning assets | $964,552,330 | 629 |
| Average equity | $169,627,000 | 457 |
| Average total loans | $798,099,330 | 549 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,011 |
| Cost of funding earning assets | 0.4963% | 2,942 |
| Net interest margin | 3.6683% | 2,997 |
| Noninterest income to average assets | 0.2129% | 5,652 |
| Noninterest expense to average assets | 3.1007% | 2,530 |
| Loan and lease loss provision to assets | 0.3471% | 512 |
| Net operating income to assets | 0.0478% | 6,138 |
| Return on assets (ROA) | 0.0478% | 6,157 |
| Pretax return on assets | 0.0614% | 6,139 |
| Return on Equity (ROE) | 0.3065% | 6,181 |
| Retained earnings to average equity (ytd only) | 0.3065% | 5,448 |
| Net charge-offs to loans | 0.0268% | 3,033 |
| Credit loss provision to net charge-offs | 1,815.3846% | 186 |
| Earnings coverage of net charge-offs (x) | 21.3654% | 1,292 |
| Efficiency ratio | 85.8879% | 1,468 |
| Assets per employee ($millions) | 5.6640% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 6,267 |
| Loan loss allowance to noncurrent loans | 35.4624% | 5,706 |
| Noncurrent assets plus other real estate owned to assets | 1.3353% | 2,650 |
| Noncurrent loans to loans | 1.9930% | 1,873 |
| Net loans and leases to total assets | 66.5290% | 2,479 |
| Net loans and leases to deposits | 80.2285% | 2,261 |
| Net loans and leases to core deposits | 96.8936% | 1,317 |
| Total domestic deposits to total assets | 82.9243% | 4,632 |
| Equity capital to assets | 14.0664% | 897 |
| Core capital (leverage) ratio | 8.6624% | 5,440 |
| Tier 1 risk-based capital ratio | 11.3558% | 5,992 |
| Total risk-based capital ratio | 12.0985% | 6,169 |
| Memoranda: | ||
| Average total assets | $1,087,995,500 | 624 |
| Average earning assets | $977,661,000 | 621 |
| Average equity | $169,637,000 | 451 |
| Average total loans | $775,833,000 | 562 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7931% | 1,333 |
| Cost of funding earning assets | 0.3133% | 5,482 |
| Net interest margin | 4.4798% | 766 |
| Noninterest income to average assets | 0.2553% | 5,520 |
| Noninterest expense to average assets | 3.7332% | 1,234 |
| Loan and lease loss provision to assets | 0.3751% | 825 |
| Net operating income to assets | 0.0192% | 6,182 |
| Return on assets (ROA) | 0.0192% | 6,222 |
| Pretax return on assets | 0.0281% | 6,190 |
| Return on Equity (ROE) | 0.0960% | 6,237 |
| Retained earnings to average equity (ytd only) | 0.0960% | 5,811 |
| Net charge-offs to loans | 0.0564% | 4,440 |
| Credit loss provision to net charge-offs | 843.3862% | 297 |
| Earnings coverage of net charge-offs (x) | 9.0661% | 2,561 |
| Efficiency ratio | 87.3098% | 1,290 |
| Assets per employee ($millions) | 4.6390% | 2,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6486% | 6,420 |
| Loan loss allowance to noncurrent loans | 20.4713% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 2.4290% | 1,423 |
| Noncurrent loans to loans | 3.1682% | 1,078 |
| Net loans and leases to total assets | 76.1692% | 1,050 |
| Net loans and leases to deposits | 94.3596% | 853 |
| Net loans and leases to core deposits | 117.5711% | 376 |
| Total domestic deposits to total assets | 80.7223% | 5,263 |
| Equity capital to assets | 17.4897% | 357 |
| Core capital (leverage) ratio | 10.5349% | 2,877 |
| Tier 1 risk-based capital ratio | 12.1344% | 5,536 |
| Total risk-based capital ratio | 12.8090% | 5,819 |
| Memoranda: | ||
| Average total assets | $849,835,200 | 780 |
| Average earning assets | $736,261,000 | 822 |
| Average equity | $169,827,600 | 439 |
| Average total loans | $670,642,000 | 627 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 1,039 |
| Cost of funding earning assets | 0.2718% | 5,948 |
| Net interest margin | 4.6723% | 541 |
| Noninterest income to average assets | 0.2802% | 5,441 |
| Noninterest expense to average assets | 3.7727% | 1,117 |
| Loan and lease loss provision to assets | 0.3589% | 881 |
| Net operating income to assets | 0.0738% | 6,184 |
| Return on assets (ROA) | 0.0738% | 6,239 |
| Pretax return on assets | 0.1690% | 6,097 |
| Return on Equity (ROE) | 0.3563% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.3563% | 5,824 |
| Net charge-offs to loans | 0.0772% | 3,839 |
| Credit loss provision to net charge-offs | 583.8624% | 485 |
| Earnings coverage of net charge-offs (x) | 8.5873% | 2,605 |
| Efficiency ratio | 84.7312% | 1,511 |
| Assets per employee ($millions) | 4.2310% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5224% | 6,638 |
| Loan loss allowance to noncurrent loans | 21.7477% | 6,204 |
| Noncurrent assets plus other real estate owned to assets | 1.9685% | 2,058 |
| Noncurrent loans to loans | 2.4021% | 1,826 |
| Net loans and leases to total assets | 81.5208% | 407 |
| Net loans and leases to deposits | 108.0008% | 190 |
| Net loans and leases to core deposits | 131.1303% | 177 |
| Total domestic deposits to total assets | 75.4817% | 6,230 |
| Equity capital to assets | 18.9376% | 259 |
| Core capital (leverage) ratio | 11.3926% | 2,130 |
| Tier 1 risk-based capital ratio | 12.3478% | 5,543 |
| Total risk-based capital ratio | 12.8931% | 5,945 |
| Memoranda: | ||
| Average total assets | $819,905,500 | 815 |
| Average earning assets | $705,499,750 | 861 |
| Average equity | $169,891,500 | 443 |
| Average total loans | $652,471,750 | 645 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8822% | 1,138 |
| Cost of funding earning assets | 0.2543% | 6,142 |
| Net interest margin | 4.6279% | 574 |
| Noninterest income to average assets | 0.3425% | 4,947 |
| Noninterest expense to average assets | 3.7264% | 1,210 |
| Loan and lease loss provision to assets | 0.3548% | 933 |
| Net operating income to assets | 0.1614% | 6,001 |
| Return on assets (ROA) | 0.1614% | 6,112 |
| Pretax return on assets | 0.2161% | 6,056 |
| Return on Equity (ROE) | 0.7546% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.7546% | 5,599 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4867% | 1,696 |
| Assets per employee ($millions) | 4.1822% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5025% | 6,705 |
| Loan loss allowance to noncurrent loans | 13.2754% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 3.0345% | 1,335 |
| Noncurrent loans to loans | 3.7854% | 1,076 |
| Net loans and leases to total assets | 79.7603% | 559 |
| Net loans and leases to deposits | 106.9724% | 200 |
| Net loans and leases to core deposits | 126.3050% | 222 |
| Total domestic deposits to total assets | 74.5616% | 6,397 |
| Equity capital to assets | 20.0299% | 208 |
| Core capital (leverage) ratio | 11.7832% | 1,734 |
| Tier 1 risk-based capital ratio | 13.4148% | 4,827 |
| Total risk-based capital ratio | 13.9463% | 5,297 |
| Memoranda: | ||
| Average total assets | $794,218,670 | 843 |
| Average earning assets | $678,715,670 | 892 |
| Average equity | $169,900,670 | 445 |
| Average total loans | $624,944,330 | 671 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 854 |
| Cost of funding earning assets | 0.2116% | 6,523 |
| Net interest margin | 4.8139% | 393 |
| Noninterest income to average assets | 0.2999% | 5,300 |
| Noninterest expense to average assets | 3.8000% | 1,110 |
| Loan and lease loss provision to assets | 0.1440% | 2,440 |
| Net operating income to assets | 0.3328% | 5,433 |
| Return on assets (ROA) | 0.3328% | 5,570 |
| Pretax return on assets | 0.4272% | 5,479 |
| Return on Equity (ROE) | 1.5027% | 6,086 |
| Retained earnings to average equity (ytd only) | 1.5027% | 5,234 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6635% | 1,812 |
| Assets per employee ($millions) | 3.8411% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3676% | 6,869 |
| Loan loss allowance to noncurrent loans | 8.8909% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 3.3317% | 1,310 |
| Noncurrent loans to loans | 4.1340% | 1,070 |
| Net loans and leases to total assets | 80.2958% | 402 |
| Net loans and leases to deposits | 107.3551% | 172 |
| Net loans and leases to core deposits | 117.0667% | 327 |
| Total domestic deposits to total assets | 74.7946% | 6,475 |
| Equity capital to assets | 22.0250% | 151 |
| Core capital (leverage) ratio | 12.9155% | 1,146 |
| Tier 1 risk-based capital ratio | 14.6836% | 4,048 |
| Total risk-based capital ratio | 15.0784% | 4,590 |
| Memoranda: | ||
| Average total assets | $766,838,000 | 884 |
| Average earning assets | $648,542,500 | 937 |
| Average equity | $169,826,000 | 453 |
| Average total loans | $597,132,000 | 693 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4620% | 6,946 |
| Cost of funding earning assets | 0.1124% | 6,980 |
| Net interest margin | 2.3496% | 6,810 |
| Noninterest income to average assets | 0.1330% | 6,378 |
| Noninterest expense to average assets | 1.7580% | 6,671 |
| Loan and lease loss provision to assets | 0.2667% | 2,512 |
| Net operating income to assets | 0.0835% | 6,037 |
| Return on assets (ROA) | 0.0835% | 6,180 |
| Pretax return on assets | 0.1549% | 6,060 |
| Return on Equity (ROE) | 0.4201% | 6,240 |
| Retained earnings to average equity (ytd only) | 0.4201% | 5,648 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3424% | 2,541 |
| Assets per employee ($millions) | 3.8272% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3515% | 6,923 |
| Loan loss allowance to noncurrent loans | 10.0827% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 2.6188% | 1,856 |
| Noncurrent loans to loans | 3.4866% | 1,433 |
| Net loans and leases to total assets | 74.8453% | 1,072 |
| Net loans and leases to deposits | 103.9059% | 267 |
| Net loans and leases to core deposits | 113.4935% | 427 |
| Total domestic deposits to total assets | 72.0318% | 6,689 |
| Equity capital to assets | 22.2692% | 148 |
| Core capital (leverage) ratio | 12.8881% | 1,157 |
| Tier 1 risk-based capital ratio | 15.7716% | 3,279 |
| Total risk-based capital ratio | 16.1509% | 3,724 |
| Memoranda: | ||
| Average total assets | $754,095,400 | 884 |
| Average earning assets | $656,822,800 | 916 |
| Average equity | $149,954,000 | 485 |
| Average total loans | $563,039,000 | 736 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5912% | 7,129 |
| Cost of funding earning assets | 0.0717% | 7,133 |
| Net interest margin | 1.5195% | 7,108 |
| Noninterest income to average assets | 0.0743% | 6,717 |
| Noninterest expense to average assets | 1.0709% | 7,105 |
| Loan and lease loss provision to assets | 0.1542% | 3,596 |
| Net operating income to assets | 0.1115% | 6,105 |
| Return on assets (ROA) | 0.1115% | 6,244 |
| Pretax return on assets | 0.1820% | 6,154 |
| Return on Equity (ROE) | 0.5782% | 6,333 |
| Retained earnings to average equity (ytd only) | 0.5782% | 5,920 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7674% | 3,191 |
| Assets per employee ($millions) | 3.8423% | 4,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1596% | 7,087 |
| Loan loss allowance to noncurrent loans | 6.0980% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 1.9509% | 2,712 |
| Noncurrent loans to loans | 2.6167% | 2,178 |
| Net loans and leases to total assets | 73.4078% | 1,336 |
| Net loans and leases to deposits | 98.7991% | 505 |
| Net loans and leases to core deposits | 108.0102% | 651 |
| Total domestic deposits to total assets | 74.3001% | 6,577 |
| Equity capital to assets | 22.7373% | 148 |
| Core capital (leverage) ratio | 12.9058% | 1,226 |
| Tier 1 risk-based capital ratio | 16.4085% | 3,054 |
| Total risk-based capital ratio | 16.5888% | 3,581 |
| Memoranda: | ||
| Average total assets | $752,216,500 | 890 |
| Average earning assets | $659,853,500 | 921 |
| Average equity | $145,041,250 | 498 |
| Average total loans | $560,788,500 | 742 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 4,632 |
| Cost of funding earning assets | 0.4967% | 5,646 |
| Net interest margin | 3.7871% | 3,423 |
| Noninterest income to average assets | 1.3631% | 773 |
| Noninterest expense to average assets | 3.5598% | 1,662 |
| Loan and lease loss provision to assets | 0.1551% | 3,580 |
| Net operating income to assets | 0.6886% | 3,929 |
| Return on assets (ROA) | 0.6886% | 4,194 |
| Pretax return on assets | 1.0120% | 3,657 |
| Return on Equity (ROE) | 3.7934% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.7934% | 4,089 |
| Net charge-offs to loans | 1.0191% | 1,083 |
| Credit loss provision to net charge-offs | 20.3190% | 4,602 |
| Earnings coverage of net charge-offs (x) | 1.5291% | 4,225 |
| Efficiency ratio | 74.9356% | 2,907 |
| Assets per employee ($millions) | 3.5673% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 5,508 |
| Loan loss allowance to noncurrent loans | 60.9351% | 4,597 |
| Noncurrent assets plus other real estate owned to assets | 1.5296% | 3,409 |
| Noncurrent loans to loans | 1.9113% | 3,060 |
| Net loans and leases to total assets | 76.1241% | 953 |
| Net loans and leases to deposits | 97.7638% | 542 |
| Net loans and leases to core deposits | 105.1566% | 785 |
| Total domestic deposits to total assets | 77.8653% | 6,181 |
| Equity capital to assets | 19.2111% | 266 |
| Core capital (leverage) ratio | 16.3462% | 430 |
| Tier 1 risk-based capital ratio | 20.5115% | 1,570 |
| Total risk-based capital ratio | 21.6650% | 1,574 |
| Memoranda: | ||
| Average total assets | $755,768,000 | 885 |
| Average earning assets | $671,276,670 | 909 |
| Average equity | $137,184,670 | 524 |
| Average total loans | $565,973,330 | 735 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2573% | 4,900 |
| Cost of funding earning assets | 0.5241% | 5,650 |
| Net interest margin | 3.7332% | 3,679 |
| Noninterest income to average assets | 1.9148% | 439 |
| Noninterest expense to average assets | 3.4421% | 1,907 |
| Loan and lease loss provision to assets | 0.5090% | 1,185 |
| Net operating income to assets | 0.7531% | 3,608 |
| Return on assets (ROA) | 0.7531% | 3,844 |
| Pretax return on assets | 1.2832% | 2,596 |
| Return on Equity (ROE) | 4.2648% | 5,155 |
| Retained earnings to average equity (ytd only) | 4.2648% | 4,029 |
| Net charge-offs to loans | 1.7282% | 556 |
| Credit loss provision to net charge-offs | 39.8542% | 3,455 |
| Earnings coverage of net charge-offs (x) | 1.4034% | 3,624 |
| Efficiency ratio | 65.4348% | 4,665 |
| Assets per employee ($millions) | 3.8508% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 5,138 |
| Loan loss allowance to noncurrent loans | 55.8738% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 1.8934% | 3,052 |
| Noncurrent loans to loans | 2.2800% | 2,819 |
| Net loans and leases to total assets | 73.5948% | 1,126 |
| Net loans and leases to deposits | 92.7948% | 742 |
| Net loans and leases to core deposits | 99.2066% | 1,038 |
| Total domestic deposits to total assets | 79.3092% | 6,012 |
| Equity capital to assets | 17.9155% | 343 |
| Core capital (leverage) ratio | 15.2769% | 561 |
| Tier 1 risk-based capital ratio | 19.2118% | 1,932 |
| Total risk-based capital ratio | 20.4389% | 1,905 |
| Memoranda: | ||
| Average total assets | $773,355,000 | 860 |
| Average earning assets | $687,664,500 | 883 |
| Average equity | $136,560,000 | 523 |
| Average total loans | $571,455,000 | 728 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8225% | 3,699 |
| Cost of funding earning assets | 0.6934% | 5,585 |
| Net interest margin | 4.1291% | 2,312 |
| Noninterest income to average assets | 1.0134% | 1,329 |
| Noninterest expense to average assets | 3.7076% | 1,526 |
| Loan and lease loss provision to assets | 0.2623% | 3,597 |
| Net operating income to assets | 0.3686% | 4,999 |
| Return on assets (ROA) | 0.3686% | 5,165 |
| Pretax return on assets | 0.6558% | 4,497 |
| Return on Equity (ROE) | 1.9921% | 5,661 |
| Retained earnings to average equity (ytd only) | 1.9921% | 4,794 |
| Net charge-offs to loans | 0.3181% | 3,799 |
| Credit loss provision to net charge-offs | 103.4165% | 3,347 |
| Earnings coverage of net charge-offs (x) | 3.6204% | 3,450 |
| Efficiency ratio | 79.4744% | 2,377 |
| Assets per employee ($millions) | 3.8826% | 4,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,871 |
| Loan loss allowance to noncurrent loans | 53.6920% | 4,834 |
| Noncurrent assets plus other real estate owned to assets | 2.2814% | 2,646 |
| Noncurrent loans to loans | 2.8546% | 2,288 |
| Net loans and leases to total assets | 72.1305% | 1,627 |
| Net loans and leases to deposits | 90.6916% | 1,079 |
| Net loans and leases to core deposits | 95.6196% | 1,531 |
| Total domestic deposits to total assets | 79.5339% | 5,862 |
| Equity capital to assets | 17.4054% | 397 |
| Core capital (leverage) ratio | 15.0820% | 589 |
| Tier 1 risk-based capital ratio | 18.9105% | 1,928 |
| Total risk-based capital ratio | 20.1624% | 1,886 |
| Memoranda: | ||
| Average total assets | $727,160,200 | 900 |
| Average earning assets | $636,149,400 | 935 |
| Average equity | $134,532,600 | 514 |
| Average total loans | $579,625,200 | 728 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9623% | 3,279 |
| Cost of funding earning assets | 0.6966% | 5,792 |
| Net interest margin | 4.2657% | 1,847 |
| Noninterest income to average assets | 0.8095% | 2,013 |
| Noninterest expense to average assets | 3.7097% | 1,478 |
| Loan and lease loss provision to assets | 0.1298% | 4,809 |
| Net operating income to assets | 0.3820% | 5,074 |
| Return on assets (ROA) | 0.3820% | 5,261 |
| Pretax return on assets | 0.6849% | 4,537 |
| Return on Equity (ROE) | 2.0316% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.0316% | 5,121 |
| Net charge-offs to loans | 0.3938% | 3,148 |
| Credit loss provision to net charge-offs | 40.4540% | 5,232 |
| Earnings coverage of net charge-offs (x) | 2.5390% | 3,862 |
| Efficiency ratio | 81.2087% | 2,085 |
| Assets per employee ($millions) | 3.7081% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 4,758 |
| Loan loss allowance to noncurrent loans | 48.4260% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 2.3223% | 2,766 |
| Noncurrent loans to loans | 2.7945% | 2,494 |
| Net loans and leases to total assets | 75.0721% | 1,132 |
| Net loans and leases to deposits | 95.6863% | 719 |
| Net loans and leases to core deposits | 99.8371% | 1,260 |
| Total domestic deposits to total assets | 78.4565% | 6,102 |
| Equity capital to assets | 18.1391% | 374 |
| Core capital (leverage) ratio | 15.8750% | 520 |
| Tier 1 risk-based capital ratio | 18.7605% | 2,004 |
| Total risk-based capital ratio | 20.0109% | 1,969 |
| Memoranda: | ||
| Average total assets | $713,849,750 | 921 |
| Average earning assets | $621,689,750 | 960 |
| Average equity | $134,207,750 | 523 |
| Average total loans | $581,614,000 | 733 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 2,591 |
| Cost of funding earning assets | 0.6805% | 6,066 |
| Net interest margin | 4.4390% | 1,270 |
| Noninterest income to average assets | 0.7968% | 2,033 |
| Noninterest expense to average assets | 3.7210% | 1,489 |
| Loan and lease loss provision to assets | 0.2147% | 3,769 |
| Net operating income to assets | 0.4206% | 4,854 |
| Return on assets (ROA) | 0.4206% | 5,008 |
| Pretax return on assets | 0.7117% | 4,342 |
| Return on Equity (ROE) | 2.2095% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.2095% | 4,888 |
| Net charge-offs to loans | 0.5805% | 2,368 |
| Credit loss provision to net charge-offs | 44.3596% | 4,725 |
| Earnings coverage of net charge-offs (x) | 1.9142% | 3,906 |
| Efficiency ratio | 79.2340% | 2,517 |
| Assets per employee ($millions) | 3.5891% | 4,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3427% | 4,863 |
| Loan loss allowance to noncurrent loans | 49.6446% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.4076% | 2,748 |
| Noncurrent loans to loans | 2.7046% | 2,691 |
| Net loans and leases to total assets | 79.7492% | 553 |
| Net loans and leases to deposits | 102.4385% | 371 |
| Net loans and leases to core deposits | 107.1472% | 853 |
| Total domestic deposits to total assets | 77.8508% | 6,314 |
| Equity capital to assets | 18.8496% | 326 |
| Core capital (leverage) ratio | 16.5257% | 449 |
| Tier 1 risk-based capital ratio | 18.5572% | 1,985 |
| Total risk-based capital ratio | 19.8077% | 1,946 |
| Memoranda: | ||
| Average total assets | $703,354,670 | 942 |
| Average earning assets | $610,135,670 | 977 |
| Average equity | $133,878,000 | 523 |
| Average total loans | $586,413,670 | 730 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0910% | 2,681 |
| Cost of funding earning assets | 0.6713% | 6,293 |
| Net interest margin | 4.4197% | 1,238 |
| Noninterest income to average assets | 1.3016% | 754 |
| Noninterest expense to average assets | 3.7042% | 1,525 |
| Loan and lease loss provision to assets | 0.7371% | 1,152 |
| Net operating income to assets | 0.4006% | 4,943 |
| Return on assets (ROA) | 0.4006% | 5,033 |
| Pretax return on assets | 0.6717% | 4,410 |
| Return on Equity (ROE) | 2.0944% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.0944% | 4,881 |
| Net charge-offs to loans | 1.1189% | 1,242 |
| Credit loss provision to net charge-offs | 77.7979% | 3,200 |
| Earnings coverage of net charge-offs (x) | 1.4870% | 3,595 |
| Efficiency ratio | 71.6848% | 3,929 |
| Assets per employee ($millions) | 3.5798% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 4,602 |
| Loan loss allowance to noncurrent loans | 46.3610% | 5,219 |
| Noncurrent assets plus other real estate owned to assets | 3.0598% | 2,255 |
| Noncurrent loans to loans | 3.0452% | 2,468 |
| Net loans and leases to total assets | 84.2139% | 216 |
| Net loans and leases to deposits | 120.2775% | 91 |
| Net loans and leases to core deposits | 126.0518% | 311 |
| Total domestic deposits to total assets | 70.0164% | 7,177 |
| Equity capital to assets | 19.3734% | 285 |
| Core capital (leverage) ratio | 16.5296% | 435 |
| Tier 1 risk-based capital ratio | 17.8891% | 2,152 |
| Total risk-based capital ratio | 19.1382% | 2,125 |
| Memoranda: | ||
| Average total assets | $697,913,000 | 960 |
| Average earning assets | $601,845,500 | 998 |
| Average equity | $133,501,500 | 521 |
| Average total loans | $590,945,000 | 731 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 3,563 |
| Cost of funding earning assets | 0.7217% | 6,819 |
| Net interest margin | 4.4865% | 1,255 |
| Noninterest income to average assets | 1.3088% | 857 |
| Noninterest expense to average assets | 3.6341% | 1,836 |
| Loan and lease loss provision to assets | 0.3926% | 3,761 |
| Net operating income to assets | 0.6489% | 3,445 |
| Return on assets (ROA) | 0.6489% | 3,592 |
| Pretax return on assets | 1.1125% | 2,533 |
| Return on Equity (ROE) | 3.4881% | 4,762 |
| Retained earnings to average equity (ytd only) | 3.4881% | 3,428 |
| Net charge-offs to loans | 0.1143% | 5,739 |
| Credit loss provision to net charge-offs | 413.4238% | 585 |
| Earnings coverage of net charge-offs (x) | 15.8492% | 1,256 |
| Efficiency ratio | 69.8152% | 4,212 |
| Assets per employee ($millions) | 3.6525% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 4,183 |
| Loan loss allowance to noncurrent loans | 38.0068% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 3.6963% | 1,858 |
| Noncurrent loans to loans | 3.8680% | 1,900 |
| Net loans and leases to total assets | 82.7072% | 402 |
| Net loans and leases to deposits | 128.4242% | 73 |
| Net loans and leases to core deposits | 135.1135% | 269 |
| Total domestic deposits to total assets | 64.4016% | 7,433 |
| Equity capital to assets | 18.8888% | 320 |
| Core capital (leverage) ratio | 16.0884% | 497 |
| Tier 1 risk-based capital ratio | 17.5701% | 2,148 |
| Total risk-based capital ratio | 18.8218% | 2,112 |
| Memoranda: | ||
| Average total assets | $698,133,200 | 953 |
| Average earning assets | $596,055,200 | 1,015 |
| Average equity | $129,871,000 | 525 |
| Average total loans | $580,154,800 | 771 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2147% | 3,763 |
| Cost of funding earning assets | 0.7367% | 6,956 |
| Net interest margin | 4.4781% | 1,307 |
| Noninterest income to average assets | 1.0072% | 1,447 |
| Noninterest expense to average assets | 3.6809% | 1,611 |
| Loan and lease loss provision to assets | 0.4878% | 3,031 |
| Net operating income to assets | 0.3674% | 4,899 |
| Return on assets (ROA) | 0.3674% | 5,076 |
| Pretax return on assets | 0.6569% | 4,398 |
| Return on Equity (ROE) | 1.9826% | 5,613 |
| Retained earnings to average equity (ytd only) | 1.9826% | 4,961 |
| Net charge-offs to loans | 0.0520% | 6,003 |
| Credit loss provision to net charge-offs | 1,132.4444% | 256 |
| Earnings coverage of net charge-offs (x) | 26.5736% | 955 |
| Efficiency ratio | 75.3233% | 3,073 |
| Assets per employee ($millions) | 3.8138% | 4,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 3,973 |
| Loan loss allowance to noncurrent loans | 37.8118% | 5,816 |
| Noncurrent assets plus other real estate owned to assets | 3.7760% | 1,885 |
| Noncurrent loans to loans | 3.9630% | 1,900 |
| Net loans and leases to total assets | 81.9981% | 494 |
| Net loans and leases to deposits | 138.2769% | 49 |
| Net loans and leases to core deposits | 147.3158% | 203 |
| Total domestic deposits to total assets | 59.2999% | 7,603 |
| Equity capital to assets | 18.2065% | 398 |
| Core capital (leverage) ratio | 14.8352% | 750 |
| Tier 1 risk-based capital ratio | 15.8658% | 2,829 |
| Total risk-based capital ratio | 17.0930% | 2,791 |
| Memoranda: | ||
| Average total assets | $696,435,250 | 960 |
| Average earning assets | $593,841,000 | 1,026 |
| Average equity | $129,050,750 | 514 |
| Average total loans | $577,262,750 | 783 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2313% | 3,796 |
| Cost of funding earning assets | 0.7571% | 7,044 |
| Net interest margin | 4.4742% | 1,257 |
| Noninterest income to average assets | 0.1201% | 7,003 |
| Noninterest expense to average assets | 3.7632% | 1,430 |
| Loan and lease loss provision to assets | 0.4771% | 2,921 |
| Net operating income to assets | -0.1734% | 6,320 |
| Return on assets (ROA) | -0.1734% | 6,378 |
| Pretax return on assets | -0.3080% | 6,436 |
| Return on Equity (ROE) | -0.9303% | 6,305 |
| Retained earnings to average equity (ytd only) | -0.9303% | 5,955 |
| Net charge-offs to loans | 0.0154% | 6,127 |
| Credit loss provision to net charge-offs | 3,738.6364% | 105 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 1,602 |
| Efficiency ratio | 94.5198% | 1,040 |
| Assets per employee ($millions) | 3.6712% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 4,279 |
| Loan loss allowance to noncurrent loans | 33.8688% | 6,115 |
| Noncurrent assets plus other real estate owned to assets | 4.0123% | 1,720 |
| Noncurrent loans to loans | 4.2261% | 1,763 |
| Net loans and leases to total assets | 81.6021% | 581 |
| Net loans and leases to deposits | 135.4243% | 61 |
| Net loans and leases to core deposits | 143.6143% | 248 |
| Total domestic deposits to total assets | 60.2566% | 7,656 |
| Equity capital to assets | 18.4510% | 383 |
| Core capital (leverage) ratio | 14.5937% | 800 |
| Tier 1 risk-based capital ratio | 15.7375% | 2,787 |
| Total risk-based capital ratio | 16.9890% | 2,753 |
| Memoranda: | ||
| Average total assets | $689,580,000 | 974 |
| Average earning assets | $587,543,330 | 1,044 |
| Average equity | $128,554,000 | 513 |
| Average total loans | $570,726,670 | 799 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3377% | 3,355 |
| Cost of funding earning assets | 0.7965% | 7,100 |
| Net interest margin | 4.5412% | 1,061 |
| Noninterest income to average assets | 0.8501% | 1,812 |
| Noninterest expense to average assets | 3.4685% | 2,061 |
| Loan and lease loss provision to assets | 0.3869% | 3,040 |
| Net operating income to assets | 0.3352% | 5,144 |
| Return on assets (ROA) | 0.3352% | 5,266 |
| Pretax return on assets | 0.8664% | 3,598 |
| Return on Equity (ROE) | 1.7886% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.7886% | 5,042 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4707% | 3,851 |
| Assets per employee ($millions) | 3.6643% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,979 |
| Loan loss allowance to noncurrent loans | 34.8246% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 3.7630% | 1,848 |
| Noncurrent loans to loans | 3.7081% | 2,147 |
| Net loans and leases to total assets | 81.7168% | 626 |
| Net loans and leases to deposits | 142.5768% | 51 |
| Net loans and leases to core deposits | 150.7371% | 239 |
| Total domestic deposits to total assets | 57.3143% | 7,784 |
| Equity capital to assets | 18.9565% | 344 |
| Core capital (leverage) ratio | 15.1560% | 719 |
| Tier 1 risk-based capital ratio | 16.5951% | 2,414 |
| Total risk-based capital ratio | 17.8139% | 2,375 |
| Memoranda: | ||
| Average total assets | $687,439,500 | 999 |
| Average earning assets | $586,097,500 | 1,067 |
| Average equity | $128,819,000 | 525 |
| Average total loans | $568,876,500 | 824 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5005% | 4,138 |
| Cost of funding earning assets | 1.4216% | 5,839 |
| Net interest margin | 4.0789% | 2,538 |
| Noninterest income to average assets | -0.0247% | 7,740 |
| Noninterest expense to average assets | 3.5468% | 2,280 |
| Loan and lease loss provision to assets | 0.6301% | 3,285 |
| Net operating income to assets | -0.3546% | 6,034 |
| Return on assets (ROA) | -0.3546% | 6,025 |
| Pretax return on assets | -0.7279% | 6,215 |
| Return on Equity (ROE) | -2.1470% | 5,880 |
| Retained earnings to average equity (ytd only) | -2.1470% | 5,548 |
| Net charge-offs to loans | 0.0783% | 6,323 |
| Credit loss provision to net charge-offs | 984.3182% | 298 |
| Earnings coverage of net charge-offs (x) | -1.5273% | 6,962 |
| Efficiency ratio | 101.3120% | 1,041 |
| Assets per employee ($millions) | 3.6879% | 4,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 5,620 |
| Loan loss allowance to noncurrent loans | 55.6714% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.3968% | 2,903 |
| Noncurrent loans to loans | 2.0737% | 3,556 |
| Net loans and leases to total assets | 81.7656% | 725 |
| Net loans and leases to deposits | 149.6373% | 44 |
| Net loans and leases to core deposits | 193.9605% | 116 |
| Total domestic deposits to total assets | 54.6425% | 7,869 |
| Equity capital to assets | 18.5251% | 405 |
| Core capital (leverage) ratio | 14.9286% | 804 |
| Tier 1 risk-based capital ratio | 16.1259% | 2,463 |
| Total risk-based capital ratio | 17.2134% | 2,467 |
| Memoranda: | ||
| Average total assets | $687,300,200 | 998 |
| Average earning assets | $585,332,200 | 1,076 |
| Average equity | $113,506,800 | 576 |
| Average total loans | $561,718,600 | 855 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5101% | 4,369 |
| Cost of funding earning assets | 1.5852% | 5,467 |
| Net interest margin | 3.9248% | 3,140 |
| Noninterest income to average assets | -0.8788% | 8,070 |
| Noninterest expense to average assets | 3.4511% | 2,413 |
| Loan and lease loss provision to assets | 0.3851% | 4,013 |
| Net operating income to assets | -0.8167% | 6,702 |
| Return on assets (ROA) | -0.8167% | 6,705 |
| Pretax return on assets | -1.3739% | 6,897 |
| Return on Equity (ROE) | -5.1025% | 6,465 |
| Retained earnings to average equity (ytd only) | -5.1025% | 6,272 |
| Net charge-offs to loans | 0.1052% | 5,618 |
| Credit loss provision to net charge-offs | 449.2063% | 882 |
| Earnings coverage of net charge-offs (x) | -11.5328% | 6,909 |
| Efficiency ratio | 138.0182% | 401 |
| Assets per employee ($millions) | 3.6168% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7611% | 7,229 |
| Loan loss allowance to noncurrent loans | 26.9980% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 2.5751% | 2,697 |
| Noncurrent loans to loans | 2.8193% | 2,687 |
| Net loans and leases to total assets | 81.4427% | 906 |
| Net loans and leases to deposits | 142.7394% | 71 |
| Net loans and leases to core deposits | 191.3914% | 129 |
| Total domestic deposits to total assets | 57.0569% | 7,915 |
| Equity capital to assets | 18.5316% | 466 |
| Core capital (leverage) ratio | 15.7543% | 719 |
| Tier 1 risk-based capital ratio | 17.1968% | 2,216 |
| Total risk-based capital ratio | 17.9172% | 2,318 |
| Memoranda: | ||
| Average total assets | $685,793,250 | 1,012 |
| Average earning assets | $583,791,000 | 1,098 |
| Average equity | $109,773,500 | 605 |
| Average total loans | $558,767,000 | 872 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4885% | 4,700 |
| Cost of funding earning assets | 1.7941% | 4,790 |
| Net interest margin | 3.6944% | 3,971 |
| Noninterest income to average assets | -1.9052% | 8,176 |
| Noninterest expense to average assets | 3.5672% | 2,151 |
| Loan and lease loss provision to assets | 0.3644% | 3,743 |
| Net operating income to assets | -1.5224% | 7,259 |
| Return on assets (ROA) | -1.5224% | 7,262 |
| Pretax return on assets | -2.6930% | 7,471 |
| Return on Equity (ROE) | -10.0366% | 7,037 |
| Retained earnings to average equity (ytd only) | -10.0366% | 6,879 |
| Net charge-offs to loans | 0.1584% | 4,611 |
| Credit loss provision to net charge-offs | 283.0317% | 1,657 |
| Earnings coverage of net charge-offs (x) | -18.0837% | 6,560 |
| Efficiency ratio | 283.7488% | 91 |
| Assets per employee ($millions) | 3.4802% | 4,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6406% | 7,560 |
| Loan loss allowance to noncurrent loans | 21.0856% | 7,072 |
| Noncurrent assets plus other real estate owned to assets | 2.7506% | 2,337 |
| Noncurrent loans to loans | 3.0381% | 2,372 |
| Net loans and leases to total assets | 81.3019% | 1,087 |
| Net loans and leases to deposits | 131.3324% | 111 |
| Net loans and leases to core deposits | 187.4345% | 169 |
| Total domestic deposits to total assets | 61.9054% | 7,894 |
| Equity capital to assets | 14.9077% | 1,051 |
| Core capital (leverage) ratio | 11.6320% | 2,020 |
| Tier 1 risk-based capital ratio | 13.0026% | 4,148 |
| Total risk-based capital ratio | 13.6081% | 4,556 |
| Memoranda: | ||
| Average total assets | $686,531,330 | 1,029 |
| Average earning assets | $584,241,000 | 1,114 |
| Average equity | $104,138,670 | 642 |
| Average total loans | $558,024,330 | 899 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3936% | 5,461 |
| Cost of funding earning assets | 2.0621% | 3,818 |
| Net interest margin | 3.3315% | 5,394 |
| Noninterest income to average assets | -0.2843% | 8,178 |
| Noninterest expense to average assets | 3.4827% | 2,151 |
| Loan and lease loss provision to assets | 0.1560% | 4,936 |
| Net operating income to assets | -0.4652% | 6,843 |
| Return on assets (ROA) | -0.4652% | 6,904 |
| Pretax return on assets | -1.0887% | 7,191 |
| Return on Equity (ROE) | -3.0411% | 6,784 |
| Retained earnings to average equity (ytd only) | -3.0411% | 6,286 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.5343% | 463 |
| Assets per employee ($millions) | 3.4755% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5311% | 7,777 |
| Loan loss allowance to noncurrent loans | 45.0721% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9576% | 4,802 |
| Noncurrent loans to loans | 1.1784% | 4,620 |
| Net loans and leases to total assets | 80.8271% | 1,231 |
| Net loans and leases to deposits | 129.9354% | 148 |
| Net loans and leases to core deposits | 190.3351% | 177 |
| Total domestic deposits to total assets | 62.2056% | 7,905 |
| Equity capital to assets | 15.1161% | 1,070 |
| Core capital (leverage) ratio | 12.0375% | 1,883 |
| Tier 1 risk-based capital ratio | 13.1262% | 4,105 |
| Total risk-based capital ratio | 13.6301% | 4,560 |
| Memoranda: | ||
| Average total assets | $692,217,500 | 1,022 |
| Average earning assets | $588,917,500 | 1,108 |
| Average equity | $105,882,500 | 631 |
| Average total loans | $560,808,500 | 897 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6977% | 2,032 |
| Cost of funding earning assets | 2.9049% | 2,248 |
| Net interest margin | 3.7928% | 4,053 |
| Noninterest income to average assets | -7.9006% | 8,303 |
| Noninterest expense to average assets | 3.2540% | 3,140 |
| Loan and lease loss provision to assets | 0.1618% | 5,311 |
| Net operating income to assets | -4.1791% | 8,012 |
| Return on assets (ROA) | -4.1870% | 7,997 |
| Pretax return on assets | -7.9034% | 8,198 |
| Return on Equity (ROE) | -29.6926% | 7,953 |
| Retained earnings to average equity (ytd only) | -29.6926% | 7,903 |
| Net charge-offs to loans | 0.0148% | 6,684 |
| Credit loss provision to net charge-offs | 1,271.5789% | 359 |
| Earnings coverage of net charge-offs (x) | -607.4421% | 7,032 |
| Efficiency ratio | -71.4722% | 8,293 |
| Assets per employee ($millions) | 3.4815% | 4,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4903% | 7,864 |
| Loan loss allowance to noncurrent loans | 53.7190% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 0.7372% | 5,012 |
| Noncurrent loans to loans | 0.9127% | 4,793 |
| Net loans and leases to total assets | 80.3757% | 1,574 |
| Net loans and leases to deposits | 124.1605% | 303 |
| Net loans and leases to core deposits | 191.4280% | 211 |
| Total domestic deposits to total assets | 64.7353% | 7,743 |
| Equity capital to assets | 15.4776% | 1,055 |
| Core capital (leverage) ratio | 10.6708% | 2,845 |
| Tier 1 risk-based capital ratio | 13.3616% | 3,892 |
| Total risk-based capital ratio | 13.8285% | 4,293 |
| Memoranda: | ||
| Average total assets | $746,599,200 | 899 |
| Average earning assets | $674,244,000 | 901 |
| Average equity | $105,278,600 | 640 |
| Average total loans | $640,975,000 | 745 |