Home > Territorial Savings Bank > Performance and Condition Ratios
Territorial Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2932% | 4,452 |
| Cost of funding earning assets | 1.2603% | 2,632 |
| Net interest margin | 2.0329% | 4,401 |
| Noninterest income to average assets | 0.1100% | 4,240 |
| Noninterest expense to average assets | 1.6889% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.2583% | 4,086 |
| Return on assets (ROA) | 0.2583% | 4,092 |
| Pretax return on assets | 0.3544% | 4,029 |
| Return on Equity (ROE) | 2.4900% | 4,100 |
| Retained earnings to average equity (ytd only) | 2.4861% | 3,450 |
| Net charge-offs to loans | 0.0090% | 2,322 |
| Credit loss provision to net charge-offs | -2.5641% | 4,410 |
| Earnings coverage of net charge-offs (x) | 66.9231% | 1,126 |
| Efficiency ratio | 82.6601% | 739 |
| Assets per employee ($millions) | 9.4797% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3913% | 4,389 |
| Loan loss allowance to noncurrent loans | 226.0927% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 2,848 |
| Noncurrent loans to loans | 0.1731% | 2,654 |
| Net loans and leases to total assets | 58.2600% | 3,014 |
| Net loans and leases to deposits | 78.0521% | 2,257 |
| Net loans and leases to core deposits | 93.7130% | 1,790 |
| Total domestic deposits to total assets | 74.6500% | 4,056 |
| Equity capital to assets | 10.4036% | 1,781 |
| Core capital (leverage) ratio | 10.8596% | 2,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8744% | 306 |
| Memoranda: | ||
| Average total assets | $2,210,088,000 | 515 |
| Average earning assets | $2,099,589,600 | 498 |
| Average equity | $229,594,200 | 478 |
| Average total loans | $1,304,827,800 | 581 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2767% | 4,462 |
| Cost of funding earning assets | 1.1583% | 2,571 |
| Net interest margin | 2.1183% | 4,402 |
| Noninterest income to average assets | 0.1100% | 4,262 |
| Noninterest expense to average assets | 1.6984% | 4,131 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.3163% | 4,096 |
| Return on assets (ROA) | 0.3163% | 4,100 |
| Pretax return on assets | 0.4349% | 4,011 |
| Return on Equity (ROE) | 3.0500% | 4,094 |
| Retained earnings to average equity (ytd only) | 3.0459% | 3,492 |
| Net charge-offs to loans | 0.0093% | 2,056 |
| Credit loss provision to net charge-offs | -161.5385% | 4,541 |
| Earnings coverage of net charge-offs (x) | 77.3516% | 1,065 |
| Efficiency ratio | 79.9493% | 858 |
| Assets per employee ($millions) | 9.0994% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3814% | 4,416 |
| Loan loss allowance to noncurrent loans | 215.6466% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 2,875 |
| Noncurrent loans to loans | 0.1769% | 2,664 |
| Net loans and leases to total assets | 59.0900% | 2,930 |
| Net loans and leases to deposits | 77.6862% | 2,275 |
| Net loans and leases to core deposits | 93.5705% | 1,698 |
| Total domestic deposits to total assets | 76.0600% | 4,006 |
| Equity capital to assets | 10.3974% | 1,599 |
| Core capital (leverage) ratio | 10.8403% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7237% | 329 |
| Memoranda: | ||
| Average total assets | $2,203,306,250 | 518 |
| Average earning assets | $2,093,096,750 | 501 |
| Average equity | $228,805,000 | 480 |
| Average total loans | $1,303,885,750 | 584 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2568% | 4,478 |
| Cost of funding earning assets | 1.0364% | 2,492 |
| Net interest margin | 2.2204% | 4,405 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.6943% | 4,156 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3796% | 4,038 |
| Return on assets (ROA) | 0.3796% | 4,050 |
| Pretax return on assets | 0.5215% | 3,928 |
| Return on Equity (ROE) | 3.6600% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.6570% | 3,302 |
| Net charge-offs to loans | 0.0140% | 1,668 |
| Credit loss provision to net charge-offs | 123.0769% | 1,318 |
| Earnings coverage of net charge-offs (x) | 64.2857% | 1,161 |
| Efficiency ratio | 76.1156% | 1,167 |
| Assets per employee ($millions) | 9.0204% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4015% | 4,441 |
| Loan loss allowance to noncurrent loans | 223.7245% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.1060% | 2,796 |
| Noncurrent loans to loans | 0.1795% | 2,580 |
| Net loans and leases to total assets | 58.8200% | 2,882 |
| Net loans and leases to deposits | 77.6121% | 2,165 |
| Net loans and leases to core deposits | 92.1029% | 1,681 |
| Total domestic deposits to total assets | 75.7900% | 4,065 |
| Equity capital to assets | 10.3445% | 1,661 |
| Core capital (leverage) ratio | 10.7351% | 2,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6227% | 328 |
| Memoranda: | ||
| Average total assets | $2,200,687,000 | 503 |
| Average earning assets | $2,090,456,333 | 489 |
| Average equity | $228,439,000 | 471 |
| Average total loans | $1,301,316,333 | 569 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2140% | 4,482 |
| Cost of funding earning assets | 0.8896% | 2,404 |
| Net interest margin | 2.3244% | 4,434 |
| Noninterest income to average assets | 0.1100% | 4,318 |
| Noninterest expense to average assets | 1.7181% | 4,172 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 0.4506% | 4,004 |
| Return on assets (ROA) | 0.4506% | 3,954 |
| Pretax return on assets | 0.6187% | 3,810 |
| Return on Equity (ROE) | 4.3300% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.3338% | 3,171 |
| Net charge-offs to loans | 0.0043% | 1,821 |
| Credit loss provision to net charge-offs | -714.2857% | 4,641 |
| Earnings coverage of net charge-offs (x) | 235.0000% | 450 |
| Efficiency ratio | 74.1006% | 1,327 |
| Assets per employee ($millions) | 8.6784% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3954% | 4,499 |
| Loan loss allowance to noncurrent loans | 215.6013% | 2,580 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,775 |
| Noncurrent loans to loans | 0.1834% | 2,563 |
| Net loans and leases to total assets | 58.3600% | 2,836 |
| Net loans and leases to deposits | 76.0379% | 2,110 |
| Net loans and leases to core deposits | 88.7123% | 1,692 |
| Total domestic deposits to total assets | 76.7500% | 4,104 |
| Equity capital to assets | 10.3077% | 1,667 |
| Core capital (leverage) ratio | 10.7661% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.5265% | 329 |
| Memoranda: | ||
| Average total assets | $2,191,526,000 | 517 |
| Average earning assets | $2,082,754,000 | 499 |
| Average equity | $227,885,500 | 480 |
| Average total loans | $1,296,745,500 | 577 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0626% | 4,058 |
| Cost of funding earning assets | 0.3523% | 2,458 |
| Net interest margin | 2.7103% | 4,043 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.7695% | 4,067 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 0.7723% | 3,418 |
| Return on assets (ROA) | 0.7723% | 3,360 |
| Pretax return on assets | 1.0288% | 2,984 |
| Return on Equity (ROE) | 7.0900% | 3,624 |
| Retained earnings to average equity (ytd only) | -0.3660% | 4,392 |
| Net charge-offs to loans | 0.0047% | 2,265 |
| Credit loss provision to net charge-offs | -944.2623% | 4,665 |
| Earnings coverage of net charge-offs (x) | 353.9672% | 431 |
| Efficiency ratio | 63.8434% | 2,520 |
| Assets per employee ($millions) | 8.4438% | 1,122 |
| Cash dividends to net income (ytd only)* | 105.1619% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1567% | 4,587 |
| Loan loss allowance to noncurrent loans | 88.2711% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 2,780 |
| Noncurrent loans to loans | 0.1775% | 2,594 |
| Net loans and leases to total assets | 59.6700% | 2,666 |
| Net loans and leases to deposits | 73.5955% | 2,284 |
| Net loans and leases to core deposits | 86.1230% | 1,741 |
| Total domestic deposits to total assets | 81.0700% | 3,745 |
| Equity capital to assets | 10.4911% | 1,456 |
| Core capital (leverage) ratio | 10.8738% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2047% | 326 |
| Memoranda: | ||
| Average total assets | $2,154,647,200 | 518 |
| Average earning assets | $2,049,040,000 | 500 |
| Average equity | $234,690,600 | 463 |
| Average total loans | $1,297,443,600 | 543 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0324% | 3,827 |
| Cost of funding earning assets | 0.2780% | 2,406 |
| Net interest margin | 2.7544% | 3,827 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 1.7595% | 4,056 |
| Loan and lease loss provision to assets | -0.0400% | 4,466 |
| Net operating income to assets | 0.8126% | 3,202 |
| Return on assets (ROA) | 0.8126% | 3,169 |
| Pretax return on assets | 1.0847% | 2,766 |
| Return on Equity (ROE) | 7.3900% | 3,496 |
| Retained earnings to average equity (ytd only) | 7.3920% | 2,236 |
| Net charge-offs to loans | 0.0052% | 1,978 |
| Credit loss provision to net charge-offs | -1,182.3529% | 4,723 |
| Earnings coverage of net charge-offs (x) | 331.2745% | 438 |
| Efficiency ratio | 62.6861% | 2,740 |
| Assets per employee ($millions) | 8.3904% | 1,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1553% | 4,625 |
| Loan loss allowance to noncurrent loans | 100.6494% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,014 |
| Noncurrent loans to loans | 0.1543% | 2,837 |
| Net loans and leases to total assets | 59.8300% | 2,521 |
| Net loans and leases to deposits | 74.5126% | 2,005 |
| Net loans and leases to core deposits | 84.2798% | 1,632 |
| Total domestic deposits to total assets | 80.3000% | 4,068 |
| Equity capital to assets | 11.1624% | 1,123 |
| Core capital (leverage) ratio | 11.4570% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.7180% | 297 |
| Memoranda: | ||
| Average total assets | $2,150,793,500 | 514 |
| Average earning assets | $2,045,245,500 | 500 |
| Average equity | $236,447,500 | 464 |
| Average total loans | $1,297,598,250 | 536 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9752% | 3,615 |
| Cost of funding earning assets | 0.2406% | 2,389 |
| Net interest margin | 2.7346% | 3,630 |
| Noninterest income to average assets | 0.2259% | 3,839 |
| Noninterest expense to average assets | 1.7469% | 4,057 |
| Loan and lease loss provision to assets | -0.0460% | 4,507 |
| Net operating income to assets | 0.8503% | 2,776 |
| Return on assets (ROA) | 0.8503% | 2,751 |
| Pretax return on assets | 1.1249% | 2,323 |
| Return on Equity (ROE) | 7.7744% | 3,082 |
| Retained earnings to average equity (ytd only) | 7.7744% | 1,703 |
| Net charge-offs to loans | 0.0068% | 1,750 |
| Credit loss provision to net charge-offs | -1,122.7273% | 3,568 |
| Earnings coverage of net charge-offs (x) | 263.1136% | 447 |
| Efficiency ratio | 61.8211% | 3,064 |
| Assets per employee ($millions) | 8.3841% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1654% | 4,696 |
| Loan loss allowance to noncurrent loans | 52.8653% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 2,433 |
| Noncurrent loans to loans | 0.3128% | 2,220 |
| Net loans and leases to total assets | 59.0237% | 2,437 |
| Net loans and leases to deposits | 73.1588% | 1,946 |
| Net loans and leases to core deposits | 82.1759% | 1,585 |
| Total domestic deposits to total assets | 80.6788% | 4,172 |
| Equity capital to assets | 10.9540% | 1,233 |
| Core capital (leverage) ratio | 11.3695% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4076% | 282 |
| Memoranda: | ||
| Average total assets | $2,146,153,000 | 514 |
| Average earning assets | $2,040,442,333 | 502 |
| Average equity | $234,718,667 | 467 |
| Average total loans | $1,297,736,333 | 527 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 3,374 |
| Cost of funding earning assets | 0.2281% | 2,427 |
| Net interest margin | 2.7305% | 3,338 |
| Noninterest income to average assets | 0.3118% | 3,234 |
| Noninterest expense to average assets | 1.7769% | 4,000 |
| Loan and lease loss provision to assets | -0.0316% | 4,483 |
| Net operating income to assets | 0.9056% | 2,255 |
| Return on assets (ROA) | 0.9056% | 2,255 |
| Pretax return on assets | 1.1617% | 1,946 |
| Return on Equity (ROE) | 8.2875% | 2,586 |
| Retained earnings to average equity (ytd only) | 8.2875% | 1,489 |
| Net charge-offs to loans | 0.0129% | 1,299 |
| Credit loss provision to net charge-offs | -400.0000% | 3,089 |
| Earnings coverage of net charge-offs (x) | 143.2381% | 553 |
| Efficiency ratio | 61.1244% | 3,367 |
| Assets per employee ($millions) | 8.0606% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1893% | 4,719 |
| Loan loss allowance to noncurrent loans | 75.8951% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 2,726 |
| Noncurrent loans to loans | 0.2494% | 2,594 |
| Net loans and leases to total assets | 60.9247% | 1,967 |
| Net loans and leases to deposits | 75.8255% | 1,464 |
| Net loans and leases to core deposits | 81.1666% | 1,408 |
| Total domestic deposits to total assets | 80.3485% | 4,261 |
| Equity capital to assets | 11.0486% | 1,308 |
| Core capital (leverage) ratio | 11.3754% | 1,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.1234% | 289 |
| Memoranda: | ||
| Average total assets | $2,129,301,500 | 519 |
| Average earning assets | $2,023,796,000 | 506 |
| Average equity | $232,687,000 | 480 |
| Average total loans | $1,302,223,500 | 522 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9847% | 3,900 |
| Cost of funding earning assets | 0.3104% | 2,289 |
| Net interest margin | 2.6743% | 3,923 |
| Noninterest income to average assets | 0.2149% | 4,082 |
| Noninterest expense to average assets | 1.7537% | 4,220 |
| Loan and lease loss provision to assets | -0.0749% | 4,465 |
| Net operating income to assets | 0.7867% | 3,370 |
| Return on assets (ROA) | 0.8550% | 3,238 |
| Pretax return on assets | 1.1684% | 2,767 |
| Return on Equity (ROE) | 7.7602% | 3,297 |
| Retained earnings to average equity (ytd only) | -1.6321% | 4,608 |
| Net charge-offs to loans | 0.0001% | 2,703 |
| Credit loss provision to net charge-offs | -159,200.0000% | 4,306 |
| Earnings coverage of net charge-offs (x) | 21,407.0000% | 4 |
| Efficiency ratio | 63.5241% | 2,636 |
| Assets per employee ($millions) | 8.0098% | 1,325 |
| Cash dividends to net income (ytd only)* | 121.0321% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2044% | 4,755 |
| Loan loss allowance to noncurrent loans | 80.3916% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 0.1558% | 2,851 |
| Noncurrent loans to loans | 0.2543% | 2,704 |
| Net loans and leases to total assets | 61.1490% | 2,047 |
| Net loans and leases to deposits | 75.7076% | 1,586 |
| Net loans and leases to core deposits | 80.8450% | 1,529 |
| Total domestic deposits to total assets | 80.7699% | 4,133 |
| Equity capital to assets | 10.8073% | 1,936 |
| Core capital (leverage) ratio | 11.0909% | 1,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7767% | 320 |
| Memoranda: | ||
| Average total assets | $2,125,892,000 | 505 |
| Average earning assets | $2,023,697,200 | 488 |
| Average equity | $234,232,600 | 472 |
| Average total loans | $1,337,593,000 | 511 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9809% | 4,042 |
| Cost of funding earning assets | 0.3288% | 2,313 |
| Net interest margin | 2.6522% | 4,054 |
| Noninterest income to average assets | 0.2068% | 4,165 |
| Noninterest expense to average assets | 1.7483% | 4,258 |
| Loan and lease loss provision to assets | -0.0911% | 4,583 |
| Net operating income to assets | 0.7798% | 3,574 |
| Return on assets (ROA) | 0.8710% | 3,396 |
| Pretax return on assets | 1.1900% | 2,965 |
| Return on Equity (ROE) | 7.8674% | 3,442 |
| Retained earnings to average equity (ytd only) | 2.1993% | 4,138 |
| Net charge-offs to loans | 0.0011% | 2,402 |
| Credit loss provision to net charge-offs | -13,200.0000% | 4,220 |
| Earnings coverage of net charge-offs (x) | 1,424.6364% | 112 |
| Efficiency ratio | 64.0012% | 2,385 |
| Assets per employee ($millions) | 7.8400% | 1,347 |
| Cash dividends to net income (ytd only)* | 72.0461% | 551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2141% | 4,834 |
| Loan loss allowance to noncurrent loans | 65.7505% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2011% | 2,785 |
| Noncurrent loans to loans | 0.3256% | 2,616 |
| Net loans and leases to total assets | 61.6271% | 2,052 |
| Net loans and leases to deposits | 76.9577% | 1,577 |
| Net loans and leases to core deposits | 82.5603% | 1,532 |
| Total domestic deposits to total assets | 80.0792% | 4,217 |
| Equity capital to assets | 11.0738% | 1,958 |
| Core capital (leverage) ratio | 11.4696% | 1,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5839% | 318 |
| Memoranda: | ||
| Average total assets | $2,124,713,000 | 500 |
| Average earning assets | $2,022,750,500 | 490 |
| Average equity | $235,225,500 | 473 |
| Average total loans | $1,345,612,750 | 517 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9565% | 4,127 |
| Cost of funding earning assets | 0.3530% | 2,291 |
| Net interest margin | 2.6035% | 4,162 |
| Noninterest income to average assets | 0.2345% | 3,999 |
| Noninterest expense to average assets | 1.7341% | 4,313 |
| Loan and lease loss provision to assets | -0.1208% | 4,661 |
| Net operating income to assets | 0.7979% | 3,522 |
| Return on assets (ROA) | 0.9046% | 3,283 |
| Pretax return on assets | 1.2346% | 2,818 |
| Return on Equity (ROE) | 8.1716% | 3,360 |
| Retained earnings to average equity (ytd only) | 8.1716% | 2,013 |
| Net charge-offs to loans | 0.0012% | 2,196 |
| Credit loss provision to net charge-offs | -16,062.5000% | 4,080 |
| Earnings coverage of net charge-offs (x) | 1,301.2500% | 97 |
| Efficiency ratio | 63.9231% | 2,440 |
| Assets per employee ($millions) | 7.9844% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2252% | 4,871 |
| Loan loss allowance to noncurrent loans | 70.7410% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 0.1969% | 2,966 |
| Noncurrent loans to loans | 0.3183% | 2,776 |
| Net loans and leases to total assets | 61.7038% | 2,210 |
| Net loans and leases to deposits | 77.1639% | 1,711 |
| Net loans and leases to core deposits | 84.1814% | 1,545 |
| Total domestic deposits to total assets | 79.9646% | 4,239 |
| Equity capital to assets | 11.2633% | 1,784 |
| Core capital (leverage) ratio | 11.6319% | 1,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1698% | 295 |
| Memoranda: | ||
| Average total assets | $2,127,349,000 | 495 |
| Average earning assets | $2,025,011,333 | 483 |
| Average equity | $235,497,333 | 467 |
| Average total loans | $1,358,375,667 | 517 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9968% | 4,092 |
| Cost of funding earning assets | 0.3761% | 2,305 |
| Net interest margin | 2.6207% | 4,112 |
| Noninterest income to average assets | 0.3177% | 3,502 |
| Noninterest expense to average assets | 1.7449% | 4,299 |
| Loan and lease loss provision to assets | -0.1719% | 4,794 |
| Net operating income to assets | 0.9036% | 3,115 |
| Return on assets (ROA) | 0.9818% | 2,959 |
| Pretax return on assets | 1.3381% | 2,464 |
| Return on Equity (ROE) | 8.9473% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.9473% | 1,964 |
| Net charge-offs to loans | 0.0009% | 1,909 |
| Credit loss provision to net charge-offs | -30,433.3333% | 3,853 |
| Earnings coverage of net charge-offs (x) | 1,890.0000% | 42 |
| Efficiency ratio | 62.0482% | 2,753 |
| Assets per employee ($millions) | 7.8083% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2491% | 4,895 |
| Loan loss allowance to noncurrent loans | 79.0643% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1978% | 3,172 |
| Noncurrent loans to loans | 0.3151% | 2,974 |
| Net loans and leases to total assets | 62.6272% | 2,214 |
| Net loans and leases to deposits | 78.0923% | 1,708 |
| Net loans and leases to core deposits | 86.3198% | 1,498 |
| Total domestic deposits to total assets | 80.1963% | 4,176 |
| Equity capital to assets | 11.0218% | 1,837 |
| Core capital (leverage) ratio | 11.6105% | 1,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.3167% | 267 |
| Memoranda: | ||
| Average total assets | $2,125,106,000 | 490 |
| Average earning assets | $2,022,699,500 | 477 |
| Average equity | $233,188,000 | 469 |
| Average total loans | $1,378,367,500 | 512 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4869% | 4,053 |
| Cost of funding earning assets | 0.6097% | 2,243 |
| Net interest margin | 2.8772% | 4,148 |
| Noninterest income to average assets | 0.2576% | 3,935 |
| Noninterest expense to average assets | 1.7456% | 4,549 |
| Loan and lease loss provision to assets | 0.0774% | 3,410 |
| Net operating income to assets | 0.8611% | 2,856 |
| Return on assets (ROA) | 0.9108% | 2,782 |
| Pretax return on assets | 1.2408% | 2,192 |
| Return on Equity (ROE) | 8.4082% | 2,646 |
| Retained earnings to average equity (ytd only) | 4.8922% | 2,319 |
| Net charge-offs to loans | 0.0049% | 3,172 |
| Credit loss provision to net charge-offs | 2,166.6667% | 414 |
| Earnings coverage of net charge-offs (x) | 351.5733% | 310 |
| Efficiency ratio | 58.1693% | 3,704 |
| Assets per employee ($millions) | 7.7316% | 1,153 |
| Cash dividends to net income (ytd only)* | 41.8169% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3015% | 4,902 |
| Loan loss allowance to noncurrent loans | 96.5783% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 3,243 |
| Noncurrent loans to loans | 0.3122% | 3,085 |
| Net loans and leases to total assets | 66.7650% | 1,984 |
| Net loans and leases to deposits | 83.0864% | 1,538 |
| Net loans and leases to core deposits | 92.4726% | 1,348 |
| Total domestic deposits to total assets | 80.3562% | 3,990 |
| Equity capital to assets | 10.9235% | 2,324 |
| Core capital (leverage) ratio | 11.3799% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.9974% | 289 |
| Memoranda: | ||
| Average total assets | $2,100,480,400 | 458 |
| Average earning assets | $2,002,756,200 | 444 |
| Average equity | $227,527,200 | 456 |
| Average total loans | $1,519,997,800 | 445 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,058 |
| Cost of funding earning assets | 0.6654% | 2,227 |
| Net interest margin | 2.9179% | 4,148 |
| Noninterest income to average assets | 0.2174% | 4,187 |
| Noninterest expense to average assets | 1.7369% | 4,581 |
| Loan and lease loss provision to assets | 0.1464% | 2,558 |
| Net operating income to assets | 0.8135% | 3,041 |
| Return on assets (ROA) | 0.8566% | 3,005 |
| Pretax return on assets | 1.1718% | 2,483 |
| Return on Equity (ROE) | 7.9245% | 2,833 |
| Retained earnings to average equity (ytd only) | 7.9245% | 1,329 |
| Net charge-offs to loans | 0.0064% | 2,902 |
| Credit loss provision to net charge-offs | 3,113.5135% | 339 |
| Earnings coverage of net charge-offs (x) | 268.7027% | 394 |
| Efficiency ratio | 57.8845% | 3,681 |
| Assets per employee ($millions) | 7.5793% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3320% | 4,921 |
| Loan loss allowance to noncurrent loans | 225.7652% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1039% | 3,912 |
| Noncurrent loans to loans | 0.1471% | 3,798 |
| Net loans and leases to total assets | 70.4096% | 1,887 |
| Net loans and leases to deposits | 87.8444% | 1,503 |
| Net loans and leases to core deposits | 100.1967% | 1,149 |
| Total domestic deposits to total assets | 80.1526% | 3,832 |
| Equity capital to assets | 11.0886% | 2,332 |
| Core capital (leverage) ratio | 11.6095% | 1,520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.8524% | 337 |
| Memoranda: | ||
| Average total assets | $2,097,918,500 | 449 |
| Average earning assets | $2,001,040,250 | 434 |
| Average equity | $226,767,500 | 451 |
| Average total loans | $1,546,624,750 | 433 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6703% | 4,144 |
| Cost of funding earning assets | 0.7320% | 2,223 |
| Net interest margin | 2.9383% | 4,247 |
| Noninterest income to average assets | 0.1960% | 4,296 |
| Noninterest expense to average assets | 1.7261% | 4,658 |
| Loan and lease loss provision to assets | 0.1540% | 2,460 |
| Net operating income to assets | 0.8202% | 2,972 |
| Return on assets (ROA) | 0.8653% | 2,939 |
| Pretax return on assets | 1.1770% | 2,442 |
| Return on Equity (ROE) | 8.0748% | 2,717 |
| Retained earnings to average equity (ytd only) | 8.0748% | 1,280 |
| Net charge-offs to loans | 0.0087% | 2,635 |
| Credit loss provision to net charge-offs | 2,372.0588% | 426 |
| Earnings coverage of net charge-offs (x) | 196.2353% | 463 |
| Efficiency ratio | 57.5356% | 3,752 |
| Assets per employee ($millions) | 7.5665% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2756% | 4,968 |
| Loan loss allowance to noncurrent loans | 537.5000% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.0379% | 4,353 |
| Noncurrent loans to loans | 0.0513% | 4,278 |
| Net loans and leases to total assets | 73.7623% | 1,444 |
| Net loans and leases to deposits | 91.9739% | 1,161 |
| Net loans and leases to core deposits | 105.4676% | 912 |
| Total domestic deposits to total assets | 80.1991% | 3,794 |
| Equity capital to assets | 10.9691% | 2,371 |
| Core capital (leverage) ratio | 11.3658% | 1,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3964% | 387 |
| Memoranda: | ||
| Average total assets | $2,094,875,000 | 444 |
| Average earning assets | $1,999,162,000 | 427 |
| Average equity | $224,475,667 | 452 |
| Average total loans | $1,565,997,667 | 415 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 4,365 |
| Cost of funding earning assets | 0.8135% | 2,302 |
| Net interest margin | 2.9021% | 4,427 |
| Noninterest income to average assets | 0.1897% | 4,420 |
| Noninterest expense to average assets | 1.7570% | 4,715 |
| Loan and lease loss provision to assets | 0.0414% | 3,258 |
| Net operating income to assets | 0.8545% | 2,688 |
| Return on assets (ROA) | 0.8814% | 2,683 |
| Pretax return on assets | 1.1953% | 2,215 |
| Return on Equity (ROE) | 8.3231% | 2,375 |
| Retained earnings to average equity (ytd only) | 8.3231% | 1,135 |
| Net charge-offs to loans | 0.0028% | 2,495 |
| Credit loss provision to net charge-offs | 1,972.7273% | 347 |
| Earnings coverage of net charge-offs (x) | 573.5455% | 103 |
| Efficiency ratio | 59.3623% | 3,820 |
| Assets per employee ($millions) | 7.7859% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1864% | 5,036 |
| Loan loss allowance to noncurrent loans | 412.7298% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 4,452 |
| Noncurrent loans to loans | 0.0452% | 4,370 |
| Net loans and leases to total assets | 74.0487% | 1,594 |
| Net loans and leases to deposits | 92.5782% | 1,220 |
| Net loans and leases to core deposits | 110.8612% | 809 |
| Total domestic deposits to total assets | 79.9850% | 3,868 |
| Equity capital to assets | 10.6407% | 3,197 |
| Core capital (leverage) ratio | 11.0608% | 2,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3798% | 474 |
| Memoranda: | ||
| Average total assets | $2,098,138,000 | 429 |
| Average earning assets | $2,002,703,000 | 410 |
| Average equity | $222,177,000 | 456 |
| Average total loans | $1,576,661,000 | 405 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,559 |
| Cost of funding earning assets | 0.8584% | 2,390 |
| Net interest margin | 2.9479% | 4,585 |
| Noninterest income to average assets | 0.2351% | 4,271 |
| Noninterest expense to average assets | 1.7962% | 4,774 |
| Loan and lease loss provision to assets | 0.0029% | 3,942 |
| Net operating income to assets | 0.9720% | 2,943 |
| Return on assets (ROA) | 1.0826% | 2,606 |
| Pretax return on assets | 1.3948% | 2,181 |
| Return on Equity (ROE) | 10.1605% | 2,223 |
| Retained earnings to average equity (ytd only) | 0.5653% | 4,527 |
| Net charge-offs to loans | -0.0006% | 4,153 |
| Credit loss provision to net charge-offs | -677.7778% | 4,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8175% | 3,863 |
| Assets per employee ($millions) | 7.6421% | 815 |
| Cash dividends to net income (ytd only)* | 94.4361% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1708% | 5,093 |
| Loan loss allowance to noncurrent loans | 368.9796% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 4,469 |
| Noncurrent loans to loans | 0.0463% | 4,370 |
| Net loans and leases to total assets | 75.9854% | 1,420 |
| Net loans and leases to deposits | 94.9986% | 1,051 |
| Net loans and leases to core deposits | 113.4566% | 697 |
| Total domestic deposits to total assets | 79.9858% | 3,977 |
| Equity capital to assets | 10.5372% | 3,410 |
| Core capital (leverage) ratio | 10.9105% | 2,581 |
| Tier 1 risk-based capital ratio | 23.3081% | 887 |
| Total risk-based capital ratio | 23.5946% | 960 |
| Memoranda: | ||
| Average total assets | $2,078,503,200 | 409 |
| Average earning assets | $1,987,471,600 | 396 |
| Average equity | $221,465,400 | 435 |
| Average total loans | $1,590,547,000 | 387 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8151% | 4,657 |
| Cost of funding earning assets | 0.8554% | 2,440 |
| Net interest margin | 2.9597% | 4,683 |
| Noninterest income to average assets | 0.2497% | 4,248 |
| Noninterest expense to average assets | 1.8063% | 4,809 |
| Loan and lease loss provision to assets | 0.0042% | 3,785 |
| Net operating income to assets | 0.9673% | 3,092 |
| Return on assets (ROA) | 1.1149% | 2,608 |
| Pretax return on assets | 1.4568% | 2,092 |
| Return on Equity (ROE) | 10.4346% | 2,239 |
| Retained earnings to average equity (ytd only) | 5.0262% | 2,879 |
| Net charge-offs to loans | -0.0014% | 4,025 |
| Credit loss provision to net charge-offs | -382.3529% | 4,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6377% | 3,843 |
| Assets per employee ($millions) | 7.5835% | 818 |
| Cash dividends to net income (ytd only)* | 51.8314% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1706% | 5,169 |
| Loan loss allowance to noncurrent loans | 315.1620% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 4,505 |
| Noncurrent loans to loans | 0.0541% | 4,397 |
| Net loans and leases to total assets | 76.4108% | 1,413 |
| Net loans and leases to deposits | 97.4792% | 873 |
| Net loans and leases to core deposits | 117.1261% | 624 |
| Total domestic deposits to total assets | 78.3867% | 4,291 |
| Equity capital to assets | 10.9002% | 3,197 |
| Core capital (leverage) ratio | 11.2879% | 2,391 |
| Tier 1 risk-based capital ratio | 23.8577% | 859 |
| Total risk-based capital ratio | 24.1437% | 936 |
| Memoranda: | ||
| Average total assets | $2,076,555,250 | 410 |
| Average earning assets | $1,986,083,000 | 395 |
| Average equity | $221,872,250 | 437 |
| Average total loans | $1,591,186,000 | 392 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8164% | 4,692 |
| Cost of funding earning assets | 0.8403% | 2,443 |
| Net interest margin | 2.9761% | 4,724 |
| Noninterest income to average assets | 0.1850% | 4,642 |
| Noninterest expense to average assets | 1.8207% | 4,852 |
| Loan and lease loss provision to assets | -0.0044% | 5,104 |
| Net operating income to assets | 0.9365% | 3,146 |
| Return on assets (ROA) | 1.1488% | 2,410 |
| Pretax return on assets | 1.4854% | 1,904 |
| Return on Equity (ROE) | 10.8254% | 2,050 |
| Retained earnings to average equity (ytd only) | 2.6457% | 3,879 |
| Net charge-offs to loans | -0.0025% | 4,000 |
| Credit loss provision to net charge-offs | 230.0000% | 1,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0337% | 3,726 |
| Assets per employee ($millions) | 7.5089% | 805 |
| Cash dividends to net income (ytd only)* | 75.5604% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1634% | 5,226 |
| Loan loss allowance to noncurrent loans | 293.6027% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,555 |
| Noncurrent loans to loans | 0.0556% | 4,436 |
| Net loans and leases to total assets | 76.5867% | 1,458 |
| Net loans and leases to deposits | 95.1191% | 1,139 |
| Net loans and leases to core deposits | 115.2030% | 721 |
| Total domestic deposits to total assets | 80.5166% | 3,932 |
| Equity capital to assets | 10.6236% | 3,412 |
| Core capital (leverage) ratio | 11.0454% | 2,553 |
| Tier 1 risk-based capital ratio | 23.3018% | 915 |
| Total risk-based capital ratio | 23.5850% | 1,002 |
| Memoranda: | ||
| Average total assets | $2,073,582,670 | 411 |
| Average earning assets | $1,984,227,000 | 395 |
| Average equity | $220,056,000 | 438 |
| Average total loans | $1,589,498,330 | 393 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7845% | 4,727 |
| Cost of funding earning assets | 0.7836% | 2,630 |
| Net interest margin | 3.0009% | 4,749 |
| Noninterest income to average assets | 0.1403% | 4,893 |
| Noninterest expense to average assets | 1.8622% | 4,848 |
| Loan and lease loss provision to assets | 0.0010% | 3,402 |
| Net operating income to assets | 0.8753% | 3,328 |
| Return on assets (ROA) | 1.2908% | 1,768 |
| Pretax return on assets | 1.6767% | 1,267 |
| Return on Equity (ROE) | 12.1696% | 1,475 |
| Retained earnings to average equity (ytd only) | 3.7755% | 3,413 |
| Net charge-offs to loans | -0.0030% | 3,925 |
| Credit loss provision to net charge-offs | -41.6667% | 3,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7840% | 3,570 |
| Assets per employee ($millions) | 7.4515% | 834 |
| Cash dividends to net income (ytd only)* | 68.9759% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1673% | 5,288 |
| Loan loss allowance to noncurrent loans | 121.6934% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,283 |
| Noncurrent loans to loans | 0.1375% | 4,120 |
| Net loans and leases to total assets | 76.8758% | 1,334 |
| Net loans and leases to deposits | 93.3953% | 1,240 |
| Net loans and leases to core deposits | 113.5790% | 759 |
| Total domestic deposits to total assets | 82.3122% | 3,643 |
| Equity capital to assets | 10.6837% | 3,178 |
| Core capital (leverage) ratio | 11.0581% | 2,519 |
| Tier 1 risk-based capital ratio | 22.8781% | 948 |
| Total risk-based capital ratio | 23.1664% | 1,033 |
| Memoranda: | ||
| Average total assets | $2,066,637,500 | 418 |
| Average earning assets | $1,979,005,000 | 397 |
| Average equity | $219,201,500 | 438 |
| Average total loans | $1,583,576,500 | 398 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7533% | 4,581 |
| Cost of funding earning assets | 0.6943% | 2,121 |
| Net interest margin | 3.0591% | 4,716 |
| Noninterest income to average assets | 0.1501% | 4,960 |
| Noninterest expense to average assets | 1.8003% | 5,003 |
| Loan and lease loss provision to assets | 0.0058% | 3,999 |
| Net operating income to assets | 0.9746% | 3,121 |
| Return on assets (ROA) | 0.9764% | 3,111 |
| Pretax return on assets | 1.2816% | 2,572 |
| Return on Equity (ROE) | 9.1983% | 2,891 |
| Retained earnings to average equity (ytd only) | 2.4930% | 4,146 |
| Net charge-offs to loans | 0.0016% | 3,700 |
| Credit loss provision to net charge-offs | 476.0000% | 719 |
| Earnings coverage of net charge-offs (x) | 1,047.3200% | 105 |
| Efficiency ratio | 58.3458% | 4,110 |
| Assets per employee ($millions) | 7.4693% | 805 |
| Cash dividends to net income (ytd only)* | 72.8973% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1675% | 5,330 |
| Loan loss allowance to noncurrent loans | 118.9554% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1110% | 4,274 |
| Noncurrent loans to loans | 0.1408% | 4,109 |
| Net loans and leases to total assets | 76.1278% | 1,591 |
| Net loans and leases to deposits | 94.8388% | 1,189 |
| Net loans and leases to core deposits | 111.1577% | 930 |
| Total domestic deposits to total assets | 80.2707% | 4,047 |
| Equity capital to assets | 10.5584% | 3,121 |
| Core capital (leverage) ratio | 11.0788% | 2,453 |
| Tier 1 risk-based capital ratio | 23.5176% | 863 |
| Total risk-based capital ratio | 23.8020% | 939 |
| Memoranda: | ||
| Average total assets | $2,037,199,400 | 411 |
| Average earning assets | $1,954,875,600 | 397 |
| Average equity | $216,245,400 | 426 |
| Average total loans | $1,533,163,400 | 397 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 4,551 |
| Cost of funding earning assets | 0.6725% | 2,019 |
| Net interest margin | 3.0768% | 4,742 |
| Noninterest income to average assets | 0.1463% | 5,042 |
| Noninterest expense to average assets | 1.8134% | 5,026 |
| Loan and lease loss provision to assets | 0.0012% | 3,932 |
| Net operating income to assets | 0.9864% | 3,144 |
| Return on assets (ROA) | 0.9888% | 3,145 |
| Pretax return on assets | 1.2867% | 2,674 |
| Return on Equity (ROE) | 9.3025% | 2,954 |
| Retained earnings to average equity (ytd only) | 2.8738% | 4,282 |
| Net charge-offs to loans | 0.0006% | 3,477 |
| Credit loss provision to net charge-offs | 257.1429% | 1,149 |
| Earnings coverage of net charge-offs (x) | 2,794.7856% | 22 |
| Efficiency ratio | 58.5270% | 4,037 |
| Assets per employee ($millions) | 7.2084% | 867 |
| Cash dividends to net income (ytd only)* | 69.1076% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1652% | 5,402 |
| Loan loss allowance to noncurrent loans | 106.4476% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1224% | 4,354 |
| Noncurrent loans to loans | 0.1552% | 4,180 |
| Net loans and leases to total assets | 76.3660% | 1,609 |
| Net loans and leases to deposits | 92.5901% | 1,555 |
| Net loans and leases to core deposits | 109.0002% | 1,101 |
| Total domestic deposits to total assets | 82.4775% | 3,468 |
| Equity capital to assets | 10.7603% | 2,885 |
| Core capital (leverage) ratio | 11.0757% | 2,509 |
| Tier 1 risk-based capital ratio | 23.6854% | 870 |
| Total risk-based capital ratio | 23.9650% | 944 |
| Memoranda: | ||
| Average total assets | $2,029,250,500 | 412 |
| Average earning assets | $1,946,982,500 | 399 |
| Average equity | $215,693,500 | 425 |
| Average total loans | $1,522,023,750 | 396 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7435% | 4,480 |
| Cost of funding earning assets | 0.6460% | 1,949 |
| Net interest margin | 3.0974% | 4,733 |
| Noninterest income to average assets | 0.1481% | 5,083 |
| Noninterest expense to average assets | 1.7989% | 5,093 |
| Loan and lease loss provision to assets | 0.0068% | 3,700 |
| Net operating income to assets | 0.9962% | 3,037 |
| Return on assets (ROA) | 0.9997% | 3,024 |
| Pretax return on assets | 1.3178% | 2,440 |
| Return on Equity (ROE) | 9.4436% | 2,836 |
| Retained earnings to average equity (ytd only) | 3.9537% | 3,629 |
| Net charge-offs to loans | 0.0004% | 3,201 |
| Credit loss provision to net charge-offs | 2,300.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 4,467.6667% | 12 |
| Efficiency ratio | 57.6738% | 4,290 |
| Assets per employee ($millions) | 7.3893% | 797 |
| Cash dividends to net income (ytd only)* | 58.1338% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1698% | 5,459 |
| Loan loss allowance to noncurrent loans | 123.8276% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.1103% | 4,444 |
| Noncurrent loans to loans | 0.1372% | 4,291 |
| Net loans and leases to total assets | 75.6082% | 1,698 |
| Net loans and leases to deposits | 91.5113% | 1,643 |
| Net loans and leases to core deposits | 107.6473% | 1,139 |
| Total domestic deposits to total assets | 82.6217% | 3,515 |
| Equity capital to assets | 10.7013% | 2,930 |
| Core capital (leverage) ratio | 11.0870% | 2,444 |
| Tier 1 risk-based capital ratio | 23.6533% | 868 |
| Total risk-based capital ratio | 23.9371% | 946 |
| Memoranda: | ||
| Average total assets | $2,030,476,670 | 415 |
| Average earning assets | $1,947,559,000 | 399 |
| Average equity | $214,939,000 | 425 |
| Average total loans | $1,512,896,000 | 396 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,351 |
| Cost of funding earning assets | 0.6181% | 1,926 |
| Net interest margin | 3.1336% | 4,633 |
| Noninterest income to average assets | 0.1395% | 5,171 |
| Noninterest expense to average assets | 1.8072% | 5,145 |
| Loan and lease loss provision to assets | 0.0018% | 3,495 |
| Net operating income to assets | 0.9808% | 2,935 |
| Return on assets (ROA) | 0.9808% | 2,962 |
| Pretax return on assets | 1.3362% | 2,230 |
| Return on Equity (ROE) | 9.3167% | 2,756 |
| Retained earnings to average equity (ytd only) | 2.0161% | 4,345 |
| Net charge-offs to loans | 0.0008% | 2,704 |
| Credit loss provision to net charge-offs | 300.0000% | 809 |
| Earnings coverage of net charge-offs (x) | 2,263.0000% | 22 |
| Efficiency ratio | 57.4597% | 4,413 |
| Assets per employee ($millions) | 7.3153% | 842 |
| Cash dividends to net income (ytd only)* | 78.3605% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1694% | 5,525 |
| Loan loss allowance to noncurrent loans | 97.3323% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 4,388 |
| Noncurrent loans to loans | 0.1740% | 4,200 |
| Net loans and leases to total assets | 73.2221% | 1,996 |
| Net loans and leases to deposits | 88.8492% | 1,827 |
| Net loans and leases to core deposits | 105.0308% | 1,310 |
| Total domestic deposits to total assets | 82.4116% | 3,836 |
| Equity capital to assets | 10.4216% | 3,151 |
| Core capital (leverage) ratio | 10.9689% | 2,473 |
| Tier 1 risk-based capital ratio | 23.4623% | 896 |
| Total risk-based capital ratio | 23.7428% | 973 |
| Memoranda: | ||
| Average total assets | $2,029,679,500 | 418 |
| Average earning assets | $1,946,763,500 | 403 |
| Average equity | $213,680,000 | 429 |
| Average total loans | $1,499,831,000 | 402 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6807% | 4,380 |
| Cost of funding earning assets | 0.5186% | 2,192 |
| Net interest margin | 3.1621% | 4,545 |
| Noninterest income to average assets | 0.1743% | 5,086 |
| Noninterest expense to average assets | 1.8290% | 5,218 |
| Loan and lease loss provision to assets | 0.0027% | 4,193 |
| Net operating income to assets | 0.7874% | 3,218 |
| Return on assets (ROA) | 0.8016% | 3,194 |
| Pretax return on assets | 1.3935% | 2,018 |
| Return on Equity (ROE) | 7.3092% | 3,115 |
| Retained earnings to average equity (ytd only) | -0.3031% | 5,086 |
| Net charge-offs to loans | -0.0031% | 4,577 |
| Credit loss provision to net charge-offs | -118.1818% | 4,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1026% | 4,638 |
| Assets per employee ($millions) | 7.2600% | 858 |
| Cash dividends to net income (ytd only)* | 104.1466% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1708% | 5,587 |
| Loan loss allowance to noncurrent loans | 59.7701% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2341% | 3,969 |
| Noncurrent loans to loans | 0.2857% | 3,756 |
| Net loans and leases to total assets | 74.3307% | 1,868 |
| Net loans and leases to deposits | 91.2244% | 1,626 |
| Net loans and leases to core deposits | 103.3835% | 1,455 |
| Total domestic deposits to total assets | 81.4811% | 4,003 |
| Equity capital to assets | 10.6366% | 3,012 |
| Core capital (leverage) ratio | 11.0423% | 2,300 |
| Tier 1 risk-based capital ratio | 23.3109% | 881 |
| Total risk-based capital ratio | 23.5915% | 955 |
| Memoranda: | ||
| Average total assets | $1,940,484,600 | 421 |
| Average earning assets | $1,858,566,400 | 402 |
| Average equity | $212,814,000 | 417 |
| Average total loans | $1,409,926,400 | 406 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,384 |
| Cost of funding earning assets | 0.5011% | 2,250 |
| Net interest margin | 3.1730% | 4,525 |
| Noninterest income to average assets | 0.1753% | 5,138 |
| Noninterest expense to average assets | 1.7623% | 5,310 |
| Loan and lease loss provision to assets | 0.0001% | 4,086 |
| Net operating income to assets | 0.9017% | 3,019 |
| Return on assets (ROA) | 0.9208% | 2,983 |
| Pretax return on assets | 1.4814% | 1,839 |
| Return on Equity (ROE) | 8.3307% | 2,966 |
| Retained earnings to average equity (ytd only) | -1.8226% | 5,416 |
| Net charge-offs to loans | -0.0043% | 4,431 |
| Credit loss provision to net charge-offs | -4.4444% | 4,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8335% | 4,868 |
| Assets per employee ($millions) | 7.1861% | 875 |
| Cash dividends to net income (ytd only)* | 121.8778% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1738% | 5,656 |
| Loan loss allowance to noncurrent loans | 73.9349% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.2025% | 4,280 |
| Noncurrent loans to loans | 0.2351% | 4,122 |
| Net loans and leases to total assets | 73.1631% | 2,071 |
| Net loans and leases to deposits | 89.2877% | 1,892 |
| Net loans and leases to core deposits | 100.8267% | 1,638 |
| Total domestic deposits to total assets | 81.9409% | 3,797 |
| Equity capital to assets | 10.7650% | 3,102 |
| Core capital (leverage) ratio | 11.1435% | 2,331 |
| Tier 1 risk-based capital ratio | 23.7355% | 873 |
| Total risk-based capital ratio | 24.0188% | 952 |
| Memoranda: | ||
| Average total assets | $1,924,667,750 | 425 |
| Average earning assets | $1,843,203,250 | 409 |
| Average equity | $212,734,500 | 419 |
| Average total loans | $1,389,420,500 | 414 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6687% | 4,319 |
| Cost of funding earning assets | 0.4801% | 2,324 |
| Net interest margin | 3.1885% | 4,452 |
| Noninterest income to average assets | 0.1891% | 5,106 |
| Noninterest expense to average assets | 1.7622% | 5,351 |
| Loan and lease loss provision to assets | -0.0054% | 5,532 |
| Net operating income to assets | 0.9221% | 2,795 |
| Return on assets (ROA) | 0.9409% | 2,772 |
| Pretax return on assets | 1.5157% | 1,580 |
| Return on Equity (ROE) | 8.4371% | 2,811 |
| Retained earnings to average equity (ytd only) | 1.0279% | 4,830 |
| Net charge-offs to loans | -0.0083% | 4,476 |
| Credit loss provision to net charge-offs | 91.2281% | 2,128 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3376% | 4,991 |
| Assets per employee ($millions) | 7.0984% | 888 |
| Cash dividends to net income (ytd only)* | 87.8168% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1745% | 5,705 |
| Loan loss allowance to noncurrent loans | 71.1555% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2188% | 4,281 |
| Noncurrent loans to loans | 0.2452% | 4,151 |
| Net loans and leases to total assets | 73.0718% | 2,028 |
| Net loans and leases to deposits | 89.7679% | 1,761 |
| Net loans and leases to core deposits | 99.6567% | 1,672 |
| Total domestic deposits to total assets | 81.4009% | 4,074 |
| Equity capital to assets | 11.1829% | 2,618 |
| Core capital (leverage) ratio | 11.6008% | 1,893 |
| Tier 1 risk-based capital ratio | 24.7601% | 775 |
| Total risk-based capital ratio | 25.0458% | 856 |
| Memoranda: | ||
| Average total assets | $1,912,288,330 | 427 |
| Average earning assets | $1,831,553,670 | 409 |
| Average equity | $213,249,670 | 417 |
| Average total loans | $1,373,288,330 | 420 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 4,168 |
| Cost of funding earning assets | 0.4668% | 2,371 |
| Net interest margin | 3.2141% | 4,295 |
| Noninterest income to average assets | 0.1953% | 5,098 |
| Noninterest expense to average assets | 1.7774% | 5,407 |
| Loan and lease loss provision to assets | 0.0149% | 3,372 |
| Net operating income to assets | 0.9238% | 2,647 |
| Return on assets (ROA) | 0.9365% | 2,634 |
| Pretax return on assets | 1.5015% | 1,527 |
| Return on Equity (ROE) | 8.4102% | 2,711 |
| Retained earnings to average equity (ytd only) | -6.4734% | 5,460 |
| Net charge-offs to loans | -0.0050% | 4,184 |
| Credit loss provision to net charge-offs | -417.6471% | 4,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2903% | 5,097 |
| Assets per employee ($millions) | 7.2225% | 851 |
| Cash dividends to net income (ytd only)* | 176.9713% | 292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1852% | 5,778 |
| Loan loss allowance to noncurrent loans | 72.0976% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 0.2359% | 4,283 |
| Noncurrent loans to loans | 0.2568% | 4,195 |
| Net loans and leases to total assets | 70.7314% | 2,258 |
| Net loans and leases to deposits | 86.5419% | 1,970 |
| Net loans and leases to core deposits | 97.7827% | 1,674 |
| Total domestic deposits to total assets | 81.7309% | 4,237 |
| Equity capital to assets | 10.8789% | 2,768 |
| Core capital (leverage) ratio | 11.4008% | 2,026 |
| Tier 1 risk-based capital ratio | 24.6810% | 806 |
| Total risk-based capital ratio | 24.9822% | 876 |
| Memoranda: | ||
| Average total assets | $1,906,594,500 | 433 |
| Average earning assets | $1,826,214,000 | 410 |
| Average equity | $212,313,500 | 423 |
| Average total loans | $1,355,871,500 | 422 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 4,089 |
| Cost of funding earning assets | 0.4454% | 2,575 |
| Net interest margin | 3.2945% | 4,159 |
| Noninterest income to average assets | 0.2012% | 5,212 |
| Noninterest expense to average assets | 1.8472% | 5,429 |
| Loan and lease loss provision to assets | 0.0168% | 4,042 |
| Net operating income to assets | 0.8963% | 2,846 |
| Return on assets (ROA) | 0.9091% | 2,890 |
| Pretax return on assets | 1.5078% | 1,562 |
| Return on Equity (ROE) | 8.0071% | 2,929 |
| Retained earnings to average equity (ytd only) | 4.4355% | 2,760 |
| Net charge-offs to loans | 0.0019% | 4,209 |
| Credit loss provision to net charge-offs | 1,291.6667% | 310 |
| Earnings coverage of net charge-offs (x) | 1,159.4167% | 58 |
| Efficiency ratio | 55.1121% | 5,138 |
| Assets per employee ($millions) | 6.9282% | 950 |
| Cash dividends to net income (ytd only)* | 44.6057% | 2,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1830% | 5,834 |
| Loan loss allowance to noncurrent loans | 53.9375% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 0.3038% | 4,058 |
| Noncurrent loans to loans | 0.3392% | 3,920 |
| Net loans and leases to total assets | 71.2442% | 2,297 |
| Net loans and leases to deposits | 87.9482% | 1,932 |
| Net loans and leases to core deposits | 96.9248% | 1,841 |
| Total domestic deposits to total assets | 81.0071% | 4,328 |
| Equity capital to assets | 11.4005% | 2,244 |
| Core capital (leverage) ratio | 11.7580% | 1,751 |
| Tier 1 risk-based capital ratio | 25.2972% | 744 |
| Total risk-based capital ratio | 25.5909% | 809 |
| Memoranda: | ||
| Average total assets | $1,849,479,200 | 422 |
| Average earning assets | $1,768,677,600 | 400 |
| Average equity | $209,988,800 | 417 |
| Average total loans | $1,263,909,200 | 423 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7578% | 4,053 |
| Cost of funding earning assets | 0.4402% | 2,633 |
| Net interest margin | 3.3176% | 4,135 |
| Noninterest income to average assets | 0.2013% | 5,263 |
| Noninterest expense to average assets | 1.8878% | 5,398 |
| Loan and lease loss provision to assets | 0.0159% | 3,926 |
| Net operating income to assets | 0.8847% | 2,984 |
| Return on assets (ROA) | 0.8962% | 3,062 |
| Pretax return on assets | 1.4875% | 1,747 |
| Return on Equity (ROE) | 7.9019% | 3,061 |
| Retained earnings to average equity (ytd only) | 5.6688% | 2,378 |
| Net charge-offs to loans | 0.0025% | 3,852 |
| Credit loss provision to net charge-offs | 956.5217% | 431 |
| Earnings coverage of net charge-offs (x) | 892.2719% | 99 |
| Efficiency ratio | 55.9663% | 5,068 |
| Assets per employee ($millions) | 6.6962% | 1,004 |
| Cash dividends to net income (ytd only)* | 28.2600% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1808% | 5,897 |
| Loan loss allowance to noncurrent loans | 48.8627% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 4,129 |
| Noncurrent loans to loans | 0.3701% | 3,940 |
| Net loans and leases to total assets | 70.5831% | 2,409 |
| Net loans and leases to deposits | 87.5317% | 2,078 |
| Net loans and leases to core deposits | 96.0183% | 1,986 |
| Total domestic deposits to total assets | 80.6372% | 4,346 |
| Equity capital to assets | 11.5531% | 2,468 |
| Core capital (leverage) ratio | 11.8592% | 1,778 |
| Tier 1 risk-based capital ratio | 25.6354% | 751 |
| Total risk-based capital ratio | 25.9233% | 832 |
| Memoranda: | ||
| Average total assets | $1,842,462,250 | 424 |
| Average earning assets | $1,761,464,750 | 402 |
| Average equity | $208,973,500 | 420 |
| Average total loans | $1,244,862,500 | 427 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7466% | 4,137 |
| Cost of funding earning assets | 0.4371% | 2,680 |
| Net interest margin | 3.3095% | 4,199 |
| Noninterest income to average assets | 0.2009% | 5,298 |
| Noninterest expense to average assets | 1.9096% | 5,435 |
| Loan and lease loss provision to assets | 0.0122% | 3,857 |
| Net operating income to assets | 0.8713% | 3,001 |
| Return on assets (ROA) | 0.8845% | 3,060 |
| Pretax return on assets | 1.4632% | 1,798 |
| Return on Equity (ROE) | 7.8474% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.8474% | 1,223 |
| Net charge-offs to loans | 0.0003% | 3,685 |
| Credit loss provision to net charge-offs | 5,600.0000% | 74 |
| Earnings coverage of net charge-offs (x) | 6,694.0000% | 4 |
| Efficiency ratio | 56.7599% | 5,053 |
| Assets per employee ($millions) | 6.8288% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1804% | 5,977 |
| Loan loss allowance to noncurrent loans | 45.1229% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 0.3262% | 4,193 |
| Noncurrent loans to loans | 0.3997% | 3,925 |
| Net loans and leases to total assets | 68.0699% | 2,767 |
| Net loans and leases to deposits | 84.2218% | 2,438 |
| Net loans and leases to core deposits | 92.5082% | 2,310 |
| Total domestic deposits to total assets | 80.8222% | 4,324 |
| Equity capital to assets | 11.4701% | 2,575 |
| Core capital (leverage) ratio | 11.7518% | 1,814 |
| Tier 1 risk-based capital ratio | 26.0605% | 721 |
| Total risk-based capital ratio | 26.3441% | 790 |
| Memoranda: | ||
| Average total assets | $1,840,564,670 | 422 |
| Average earning assets | $1,759,372,670 | 404 |
| Average equity | $207,458,330 | 420 |
| Average total loans | $1,224,200,670 | 435 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7397% | 4,173 |
| Cost of funding earning assets | 0.4315% | 2,759 |
| Net interest margin | 3.3082% | 4,194 |
| Noninterest income to average assets | 0.1937% | 5,347 |
| Noninterest expense to average assets | 1.9336% | 5,472 |
| Loan and lease loss provision to assets | 0.0061% | 3,597 |
| Net operating income to assets | 0.8534% | 2,978 |
| Return on assets (ROA) | 0.8534% | 3,104 |
| Pretax return on assets | 1.4154% | 1,860 |
| Return on Equity (ROE) | 7.6390% | 3,113 |
| Retained earnings to average equity (ytd only) | 7.6390% | 1,611 |
| Net charge-offs to loans | 0.0037% | 2,994 |
| Credit loss provision to net charge-offs | 254.5455% | 934 |
| Earnings coverage of net charge-offs (x) | 593.0000% | 88 |
| Efficiency ratio | 57.6319% | 5,038 |
| Assets per employee ($millions) | 6.8771% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1793% | 6,044 |
| Loan loss allowance to noncurrent loans | 42.4295% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 4,256 |
| Noncurrent loans to loans | 0.4225% | 3,928 |
| Net loans and leases to total assets | 65.7023% | 2,994 |
| Net loans and leases to deposits | 80.9806% | 2,674 |
| Net loans and leases to core deposits | 90.3917% | 2,335 |
| Total domestic deposits to total assets | 81.1334% | 4,458 |
| Equity capital to assets | 11.2076% | 2,721 |
| Core capital (leverage) ratio | 11.6103% | 1,897 |
| Tier 1 risk-based capital ratio | 25.9976% | 736 |
| Total risk-based capital ratio | 26.2777% | 793 |
| Memoranda: | ||
| Average total assets | $1,835,544,000 | 418 |
| Average earning assets | $1,754,061,000 | 403 |
| Average equity | $205,054,000 | 419 |
| Average total loans | $1,205,310,000 | 439 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 4,087 |
| Cost of funding earning assets | 0.3923% | 3,239 |
| Net interest margin | 3.3939% | 3,938 |
| Noninterest income to average assets | 0.2419% | 5,149 |
| Noninterest expense to average assets | 2.0402% | 5,377 |
| Loan and lease loss provision to assets | 0.0260% | 3,869 |
| Net operating income to assets | 0.8406% | 3,155 |
| Return on assets (ROA) | 0.8662% | 3,115 |
| Pretax return on assets | 1.4489% | 1,725 |
| Return on Equity (ROE) | 7.4074% | 3,303 |
| Retained earnings to average equity (ytd only) | 0.5695% | 5,289 |
| Net charge-offs to loans | -0.0018% | 4,867 |
| Credit loss provision to net charge-offs | -2,275.0000% | 5,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7092% | 5,063 |
| Assets per employee ($millions) | 6.6223% | 1,037 |
| Cash dividends to net income (ytd only)* | 92.3117% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1816% | 6,092 |
| Loan loss allowance to noncurrent loans | 39.9557% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 4,196 |
| Noncurrent loans to loans | 0.4544% | 3,844 |
| Net loans and leases to total assets | 65.3883% | 3,070 |
| Net loans and leases to deposits | 80.8853% | 2,724 |
| Net loans and leases to core deposits | 89.5681% | 2,445 |
| Total domestic deposits to total assets | 80.8408% | 4,533 |
| Equity capital to assets | 11.1344% | 2,692 |
| Core capital (leverage) ratio | 11.4915% | 1,964 |
| Tier 1 risk-based capital ratio | 25.7889% | 752 |
| Total risk-based capital ratio | 26.0712% | 816 |
| Memoranda: | ||
| Average total assets | $1,750,836,600 | 420 |
| Average earning assets | $1,667,955,800 | 403 |
| Average equity | $204,740,200 | 409 |
| Average total loans | $1,097,313,800 | 447 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7908% | 4,115 |
| Cost of funding earning assets | 0.3815% | 3,415 |
| Net interest margin | 3.4093% | 3,913 |
| Noninterest income to average assets | 0.2482% | 5,156 |
| Noninterest expense to average assets | 2.0397% | 5,400 |
| Loan and lease loss provision to assets | 0.0282% | 3,679 |
| Net operating income to assets | 0.8571% | 3,139 |
| Return on assets (ROA) | 0.8806% | 3,122 |
| Pretax return on assets | 1.4626% | 1,790 |
| Return on Equity (ROE) | 7.4366% | 3,379 |
| Retained earnings to average equity (ytd only) | 7.4366% | 1,482 |
| Net charge-offs to loans | -0.0006% | 4,653 |
| Credit loss provision to net charge-offs | -7,320.0000% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3809% | 5,075 |
| Assets per employee ($millions) | 6.4842% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1769% | 6,180 |
| Loan loss allowance to noncurrent loans | 38.2347% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 4,373 |
| Noncurrent loans to loans | 0.4627% | 3,972 |
| Net loans and leases to total assets | 65.2532% | 3,122 |
| Net loans and leases to deposits | 81.2281% | 2,738 |
| Net loans and leases to core deposits | 91.1164% | 2,347 |
| Total domestic deposits to total assets | 80.3332% | 4,664 |
| Equity capital to assets | 11.9056% | 2,177 |
| Core capital (leverage) ratio | 12.4115% | 1,457 |
| Tier 1 risk-based capital ratio | 27.3168% | 661 |
| Total risk-based capital ratio | 27.5889% | 724 |
| Memoranda: | ||
| Average total assets | $1,733,261,250 | 423 |
| Average earning assets | $1,650,076,750 | 408 |
| Average equity | $205,232,000 | 412 |
| Average total loans | $1,073,398,000 | 453 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 4,104 |
| Cost of funding earning assets | 0.3780% | 3,519 |
| Net interest margin | 3.4101% | 3,875 |
| Noninterest income to average assets | 0.2380% | 5,254 |
| Noninterest expense to average assets | 2.0122% | 5,506 |
| Loan and lease loss provision to assets | 0.0344% | 3,426 |
| Net operating income to assets | 0.8596% | 3,084 |
| Return on assets (ROA) | 0.8951% | 3,031 |
| Pretax return on assets | 1.4905% | 1,677 |
| Return on Equity (ROE) | 7.5740% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.5740% | 1,440 |
| Net charge-offs to loans | -0.0015% | 4,566 |
| Credit loss provision to net charge-offs | -3,687.5000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7954% | 5,240 |
| Assets per employee ($millions) | 6.2689% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1791% | 6,249 |
| Loan loss allowance to noncurrent loans | 38.2359% | 5,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 4,457 |
| Noncurrent loans to loans | 0.4684% | 4,076 |
| Net loans and leases to total assets | 63.7663% | 3,292 |
| Net loans and leases to deposits | 79.4556% | 2,856 |
| Net loans and leases to core deposits | 88.3148% | 2,523 |
| Total domestic deposits to total assets | 80.2541% | 4,805 |
| Equity capital to assets | 11.9031% | 2,103 |
| Core capital (leverage) ratio | 12.3169% | 1,476 |
| Tier 1 risk-based capital ratio | 27.6655% | 666 |
| Total risk-based capital ratio | 27.9327% | 714 |
| Memoranda: | ||
| Average total assets | $1,716,630,670 | 426 |
| Average earning assets | $1,632,790,330 | 411 |
| Average equity | $202,877,670 | 418 |
| Average total loans | $1,042,655,330 | 467 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,081 |
| Cost of funding earning assets | 0.3770% | 3,573 |
| Net interest margin | 3.4058% | 3,821 |
| Noninterest income to average assets | 0.2407% | 5,250 |
| Noninterest expense to average assets | 2.0418% | 5,499 |
| Loan and lease loss provision to assets | 0.0456% | 3,012 |
| Net operating income to assets | 0.8270% | 3,132 |
| Return on assets (ROA) | 0.8624% | 3,061 |
| Pretax return on assets | 1.4436% | 1,740 |
| Return on Equity (ROE) | 7.3242% | 3,317 |
| Retained earnings to average equity (ytd only) | 7.3242% | 1,846 |
| Net charge-offs to loans | 0.0052% | 3,141 |
| Credit loss provision to net charge-offs | 1,492.3077% | 261 |
| Earnings coverage of net charge-offs (x) | 469.6923% | 118 |
| Efficiency ratio | 58.7488% | 5,250 |
| Assets per employee ($millions) | 6.4241% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1794% | 6,328 |
| Loan loss allowance to noncurrent loans | 43.4037% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 4,792 |
| Noncurrent loans to loans | 0.4132% | 4,350 |
| Net loans and leases to total assets | 60.7414% | 3,555 |
| Net loans and leases to deposits | 74.1062% | 3,299 |
| Net loans and leases to core deposits | 82.7057% | 2,893 |
| Total domestic deposits to total assets | 81.9653% | 4,517 |
| Equity capital to assets | 11.8247% | 2,170 |
| Core capital (leverage) ratio | 12.2339% | 1,489 |
| Tier 1 risk-based capital ratio | 27.9988% | 650 |
| Total risk-based capital ratio | 28.2511% | 699 |
| Memoranda: | ||
| Average total assets | $1,703,574,000 | 430 |
| Average earning assets | $1,618,075,000 | 417 |
| Average equity | $200,596,000 | 419 |
| Average total loans | $1,007,344,000 | 475 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8033% | 4,484 |
| Cost of funding earning assets | 0.3911% | 3,776 |
| Net interest margin | 3.4122% | 4,147 |
| Noninterest income to average assets | 0.2421% | 5,390 |
| Noninterest expense to average assets | 2.0937% | 5,587 |
| Loan and lease loss provision to assets | 0.0218% | 4,180 |
| Net operating income to assets | 0.8362% | 3,193 |
| Return on assets (ROA) | 0.8841% | 3,037 |
| Pretax return on assets | 1.4457% | 1,735 |
| Return on Equity (ROE) | 7.2172% | 3,506 |
| Retained earnings to average equity (ytd only) | 0.2923% | 5,647 |
| Net charge-offs to loans | 0.0171% | 4,522 |
| Credit loss provision to net charge-offs | 232.2581% | 1,085 |
| Earnings coverage of net charge-offs (x) | 148.3032% | 363 |
| Efficiency ratio | 60.0518% | 5,219 |
| Assets per employee ($millions) | 6.3131% | 1,177 |
| Cash dividends to net income (ytd only)* | 95.9496% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1742% | 6,420 |
| Loan loss allowance to noncurrent loans | 38.0085% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 4,823 |
| Noncurrent loans to loans | 0.4582% | 4,277 |
| Net loans and leases to total assets | 57.2882% | 4,157 |
| Net loans and leases to deposits | 69.9100% | 3,919 |
| Net loans and leases to core deposits | 78.0215% | 3,515 |
| Total domestic deposits to total assets | 81.9457% | 4,440 |
| Equity capital to assets | 11.7246% | 2,232 |
| Core capital (leverage) ratio | 12.0976% | 1,563 |
| Tier 1 risk-based capital ratio | 29.6830% | 526 |
| Total risk-based capital ratio | 29.9300% | 568 |
| Memoranda: | ||
| Average total assets | $1,650,449,200 | 429 |
| Average earning assets | $1,569,272,400 | 412 |
| Average equity | $202,171,200 | 401 |
| Average total loans | $908,410,800 | 492 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 4,504 |
| Cost of funding earning assets | 0.3913% | 3,885 |
| Net interest margin | 3.4188% | 4,154 |
| Noninterest income to average assets | 0.2506% | 5,423 |
| Noninterest expense to average assets | 2.1270% | 5,516 |
| Loan and lease loss provision to assets | 0.0153% | 4,106 |
| Net operating income to assets | 0.8402% | 3,232 |
| Return on assets (ROA) | 0.8932% | 3,045 |
| Pretax return on assets | 1.4429% | 1,836 |
| Return on Equity (ROE) | 7.2119% | 3,603 |
| Retained earnings to average equity (ytd only) | 7.2119% | 1,709 |
| Net charge-offs to loans | 0.0218% | 4,079 |
| Credit loss provision to net charge-offs | 128.7671% | 1,792 |
| Earnings coverage of net charge-offs (x) | 115.8846% | 512 |
| Efficiency ratio | 60.7293% | 5,081 |
| Assets per employee ($millions) | 6.0883% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1644% | 6,505 |
| Loan loss allowance to noncurrent loans | 30.3959% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 4,899 |
| Noncurrent loans to loans | 0.5407% | 4,309 |
| Net loans and leases to total assets | 56.0474% | 4,330 |
| Net loans and leases to deposits | 69.1641% | 4,010 |
| Net loans and leases to core deposits | 76.9730% | 3,642 |
| Total domestic deposits to total assets | 81.0354% | 4,816 |
| Equity capital to assets | 12.6589% | 1,603 |
| Core capital (leverage) ratio | 12.8645% | 1,241 |
| Tier 1 risk-based capital ratio | 32.1209% | 435 |
| Total risk-based capital ratio | 32.3519% | 471 |
| Memoranda: | ||
| Average total assets | $1,640,083,750 | 430 |
| Average earning assets | $1,559,979,250 | 413 |
| Average equity | $203,121,500 | 396 |
| Average total loans | $892,774,250 | 496 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8028% | 4,517 |
| Cost of funding earning assets | 0.3886% | 4,009 |
| Net interest margin | 3.4142% | 4,117 |
| Noninterest income to average assets | 0.2537% | 5,377 |
| Noninterest expense to average assets | 2.1111% | 5,602 |
| Loan and lease loss provision to assets | 0.0202% | 3,868 |
| Net operating income to assets | 0.8603% | 3,012 |
| Return on assets (ROA) | 0.9092% | 2,861 |
| Pretax return on assets | 1.4472% | 1,724 |
| Return on Equity (ROE) | 7.3968% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.3968% | 1,568 |
| Net charge-offs to loans | 0.0320% | 3,557 |
| Credit loss provision to net charge-offs | 117.0213% | 1,743 |
| Earnings coverage of net charge-offs (x) | 80.6312% | 658 |
| Efficiency ratio | 60.0524% | 5,290 |
| Assets per employee ($millions) | 6.1019% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1667% | 6,575 |
| Loan loss allowance to noncurrent loans | 29.5037% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 0.3505% | 4,977 |
| Noncurrent loans to loans | 0.5649% | 4,322 |
| Net loans and leases to total assets | 54.9008% | 4,420 |
| Net loans and leases to deposits | 67.5876% | 4,097 |
| Net loans and leases to core deposits | 75.2006% | 3,712 |
| Total domestic deposits to total assets | 81.2291% | 4,908 |
| Equity capital to assets | 12.4672% | 1,668 |
| Core capital (leverage) ratio | 12.6485% | 1,310 |
| Tier 1 risk-based capital ratio | 31.8668% | 451 |
| Total risk-based capital ratio | 32.0981% | 485 |
| Memoranda: | ||
| Average total assets | $1,634,775,000 | 430 |
| Average earning assets | $1,555,333,330 | 409 |
| Average equity | $200,951,330 | 397 |
| Average total loans | $880,472,670 | 498 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7886% | 4,533 |
| Cost of funding earning assets | 0.3886% | 4,104 |
| Net interest margin | 3.4000% | 4,115 |
| Noninterest income to average assets | 0.2626% | 5,263 |
| Noninterest expense to average assets | 2.1363% | 5,602 |
| Loan and lease loss provision to assets | 0.0022% | 3,796 |
| Net operating income to assets | 0.8330% | 2,994 |
| Return on assets (ROA) | 0.8828% | 2,796 |
| Pretax return on assets | 1.4365% | 1,617 |
| Return on Equity (ROE) | 7.2340% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.2340% | 1,926 |
| Net charge-offs to loans | 0.0046% | 3,574 |
| Credit loss provision to net charge-offs | 90.0000% | 1,799 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 67 |
| Efficiency ratio | 60.8485% | 5,285 |
| Assets per employee ($millions) | 5.9850% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1697% | 6,647 |
| Loan loss allowance to noncurrent loans | 29.0039% | 5,880 |
| Noncurrent assets plus other real estate owned to assets | 0.3522% | 5,105 |
| Noncurrent loans to loans | 0.5850% | 4,405 |
| Net loans and leases to total assets | 53.2763% | 4,515 |
| Net loans and leases to deposits | 65.4500% | 4,152 |
| Net loans and leases to core deposits | 73.1055% | 3,752 |
| Total domestic deposits to total assets | 81.4000% | 5,121 |
| Equity capital to assets | 12.2503% | 1,715 |
| Core capital (leverage) ratio | 12.4327% | 1,416 |
| Tier 1 risk-based capital ratio | 31.8674% | 451 |
| Total risk-based capital ratio | 32.0999% | 485 |
| Memoranda: | ||
| Average total assets | $1,628,405,500 | 433 |
| Average earning assets | $1,549,155,000 | 412 |
| Average equity | $198,727,500 | 401 |
| Average total loans | $867,705,000 | 501 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 4,974 |
| Cost of funding earning assets | 0.4205% | 4,429 |
| Net interest margin | 3.3294% | 4,552 |
| Noninterest income to average assets | 0.3346% | 4,938 |
| Noninterest expense to average assets | 2.1817% | 5,676 |
| Loan and lease loss provision to assets | 0.0025% | 5,061 |
| Net operating income to assets | 0.8171% | 3,207 |
| Return on assets (ROA) | 0.9572% | 2,600 |
| Pretax return on assets | 1.5374% | 1,335 |
| Return on Equity (ROE) | 7.4570% | 3,314 |
| Retained earnings to average equity (ytd only) | -4.8997% | 6,361 |
| Net charge-offs to loans | 0.0275% | 4,871 |
| Credit loss provision to net charge-offs | 17.3333% | 4,491 |
| Earnings coverage of net charge-offs (x) | 92.5378% | 490 |
| Efficiency ratio | 62.0990% | 5,193 |
| Assets per employee ($millions) | 5.9012% | 1,336 |
| Cash dividends to net income (ytd only)* | 165.7056% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1727% | 6,719 |
| Loan loss allowance to noncurrent loans | 24.7502% | 6,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 5,041 |
| Noncurrent loans to loans | 0.6979% | 4,234 |
| Net loans and leases to total assets | 53.1112% | 4,709 |
| Net loans and leases to deposits | 65.3875% | 4,369 |
| Net loans and leases to core deposits | 72.8644% | 3,971 |
| Total domestic deposits to total assets | 81.2253% | 5,112 |
| Equity capital to assets | 12.1566% | 1,710 |
| Core capital (leverage) ratio | 12.3470% | 1,425 |
| Tier 1 risk-based capital ratio | 31.7532% | 440 |
| Total risk-based capital ratio | 31.9900% | 468 |
| Memoranda: | ||
| Average total assets | $1,576,131,000 | 439 |
| Average earning assets | $1,499,752,800 | 414 |
| Average equity | $202,318,800 | 379 |
| Average total loans | $818,760,200 | 510 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 5,061 |
| Cost of funding earning assets | 0.4335% | 4,469 |
| Net interest margin | 3.3065% | 4,610 |
| Noninterest income to average assets | 0.3629% | 4,793 |
| Noninterest expense to average assets | 2.1795% | 5,650 |
| Loan and lease loss provision to assets | 0.0040% | 4,878 |
| Net operating income to assets | 0.8227% | 3,239 |
| Return on assets (ROA) | 0.9771% | 2,582 |
| Pretax return on assets | 1.5674% | 1,423 |
| Return on Equity (ROE) | 7.5094% | 3,372 |
| Retained earnings to average equity (ytd only) | -8.8495% | 6,615 |
| Net charge-offs to loans | 0.0086% | 4,985 |
| Credit loss provision to net charge-offs | 90.3846% | 2,629 |
| Earnings coverage of net charge-offs (x) | 300.4300% | 200 |
| Efficiency ratio | 61.9214% | 5,150 |
| Assets per employee ($millions) | 5.7614% | 1,396 |
| Cash dividends to net income (ytd only)* | 217.8460% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2008% | 6,794 |
| Loan loss allowance to noncurrent loans | 31.1939% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 0.3872% | 5,251 |
| Noncurrent loans to loans | 0.6436% | 4,586 |
| Net loans and leases to total assets | 53.0733% | 4,741 |
| Net loans and leases to deposits | 64.3602% | 4,478 |
| Net loans and leases to core deposits | 71.4513% | 4,157 |
| Total domestic deposits to total assets | 82.4630% | 4,779 |
| Equity capital to assets | 12.2866% | 1,723 |
| Core capital (leverage) ratio | 12.5114% | 1,418 |
| Tier 1 risk-based capital ratio | 32.0172% | 440 |
| Total risk-based capital ratio | 32.2938% | 464 |
| Memoranda: | ||
| Average total assets | $1,565,933,500 | 442 |
| Average earning assets | $1,490,290,000 | 421 |
| Average equity | $203,757,750 | 379 |
| Average total loans | $808,387,250 | 517 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 5,114 |
| Cost of funding earning assets | 0.4441% | 4,493 |
| Net interest margin | 3.2666% | 4,703 |
| Noninterest income to average assets | 0.3624% | 4,797 |
| Noninterest expense to average assets | 2.1672% | 5,710 |
| Loan and lease loss provision to assets | 0.0003% | 4,786 |
| Net operating income to assets | 0.8092% | 3,239 |
| Return on assets (ROA) | 0.9654% | 2,635 |
| Pretax return on assets | 1.5501% | 1,483 |
| Return on Equity (ROE) | 7.2844% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.2844% | 1,754 |
| Net charge-offs to loans | 0.0130% | 4,601 |
| Credit loss provision to net charge-offs | 3.8462% | 3,968 |
| Earnings coverage of net charge-offs (x) | 196.9038% | 263 |
| Efficiency ratio | 62.2098% | 5,147 |
| Assets per employee ($millions) | 5.9858% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1963% | 6,838 |
| Loan loss allowance to noncurrent loans | 29.9704% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 5,342 |
| Noncurrent loans to loans | 0.6549% | 4,631 |
| Net loans and leases to total assets | 52.7918% | 4,769 |
| Net loans and leases to deposits | 65.9783% | 4,268 |
| Net loans and leases to core deposits | 72.0324% | 4,032 |
| Total domestic deposits to total assets | 80.0138% | 5,601 |
| Equity capital to assets | 13.5847% | 1,090 |
| Core capital (leverage) ratio | 13.8068% | 876 |
| Tier 1 risk-based capital ratio | 35.8787% | 309 |
| Total risk-based capital ratio | 36.1519% | 335 |
| Memoranda: | ||
| Average total assets | $1,567,464,330 | 439 |
| Average earning assets | $1,492,913,670 | 414 |
| Average equity | $207,732,000 | 371 |
| Average total loans | $801,075,670 | 515 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7104% | 5,128 |
| Cost of funding earning assets | 0.4549% | 4,540 |
| Net interest margin | 3.2555% | 4,706 |
| Noninterest income to average assets | 0.3865% | 4,568 |
| Noninterest expense to average assets | 2.1831% | 5,737 |
| Loan and lease loss provision to assets | 0.0046% | 4,371 |
| Net operating income to assets | 0.8147% | 3,081 |
| Return on assets (ROA) | 0.9595% | 2,534 |
| Pretax return on assets | 1.5319% | 1,480 |
| Return on Equity (ROE) | 7.3311% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.3311% | 2,013 |
| Net charge-offs to loans | 0.0117% | 3,911 |
| Credit loss provision to net charge-offs | 78.2609% | 2,178 |
| Earnings coverage of net charge-offs (x) | 223.6087% | 180 |
| Efficiency ratio | 62.3250% | 5,264 |
| Assets per employee ($millions) | 5.9296% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2089% | 6,909 |
| Loan loss allowance to noncurrent loans | 32.4951% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3569% | 5,518 |
| Noncurrent loans to loans | 0.6427% | 4,837 |
| Net loans and leases to total assets | 50.8800% | 4,866 |
| Net loans and leases to deposits | 63.4483% | 4,376 |
| Net loans and leases to core deposits | 69.8189% | 4,104 |
| Total domestic deposits to total assets | 80.1913% | 5,715 |
| Equity capital to assets | 13.2686% | 1,310 |
| Core capital (leverage) ratio | 13.4915% | 948 |
| Tier 1 risk-based capital ratio | 37.0492% | 292 |
| Total risk-based capital ratio | 37.3450% | 307 |
| Memoranda: | ||
| Average total assets | $1,570,049,500 | 440 |
| Average earning assets | $1,498,376,000 | 420 |
| Average equity | $205,481,500 | 379 |
| Average total loans | $788,421,000 | 525 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0380% | 5,196 |
| Cost of funding earning assets | 0.6209% | 4,169 |
| Net interest margin | 3.4171% | 4,823 |
| Noninterest income to average assets | 0.3793% | 4,756 |
| Noninterest expense to average assets | 2.1637% | 5,993 |
| Loan and lease loss provision to assets | 0.0266% | 5,562 |
| Net operating income to assets | 0.9292% | 2,653 |
| Return on assets (ROA) | 0.9798% | 2,650 |
| Pretax return on assets | 1.5297% | 1,597 |
| Return on Equity (ROE) | 7.5257% | 3,323 |
| Retained earnings to average equity (ytd only) | 1.7309% | 4,993 |
| Net charge-offs to loans | 0.0387% | 5,377 |
| Credit loss provision to net charge-offs | 146.1268% | 1,865 |
| Earnings coverage of net charge-offs (x) | 81.2782% | 469 |
| Efficiency ratio | 59.4259% | 5,630 |
| Assets per employee ($millions) | 5.8106% | 1,419 |
| Cash dividends to net income (ytd only)* | 77.0005% | 1,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2147% | 6,965 |
| Loan loss allowance to noncurrent loans | 37.8281% | 5,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 5,754 |
| Noncurrent loans to loans | 0.5676% | 5,114 |
| Net loans and leases to total assets | 49.3445% | 5,260 |
| Net loans and leases to deposits | 61.6995% | 4,816 |
| Net loans and leases to core deposits | 68.4484% | 4,489 |
| Total domestic deposits to total assets | 79.9755% | 5,674 |
| Equity capital to assets | 12.9076% | 1,488 |
| Core capital (leverage) ratio | 13.1306% | 1,067 |
| Tier 1 risk-based capital ratio | 36.5734% | 298 |
| Total risk-based capital ratio | 36.8726% | 323 |
| Memoranda: | ||
| Average total assets | $1,562,478,800 | 435 |
| Average earning assets | $1,491,447,600 | 411 |
| Average equity | $203,424,000 | 371 |
| Average total loans | $733,734,800 | 563 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1209% | 5,111 |
| Cost of funding earning assets | 0.6584% | 4,117 |
| Net interest margin | 3.4625% | 4,799 |
| Noninterest income to average assets | 0.3550% | 4,981 |
| Noninterest expense to average assets | 2.1621% | 6,032 |
| Loan and lease loss provision to assets | 0.0147% | 5,626 |
| Net operating income to assets | 0.9410% | 2,792 |
| Return on assets (ROA) | 0.9808% | 2,833 |
| Pretax return on assets | 1.5451% | 1,735 |
| Return on Equity (ROE) | 7.5175% | 3,519 |
| Retained earnings to average equity (ytd only) | 5.0929% | 3,303 |
| Net charge-offs to loans | 0.0402% | 5,086 |
| Credit loss provision to net charge-offs | 78.8991% | 3,655 |
| Earnings coverage of net charge-offs (x) | 80.3439% | 513 |
| Efficiency ratio | 59.0800% | 5,648 |
| Assets per employee ($millions) | 6.0792% | 1,201 |
| Cash dividends to net income (ytd only)* | 32.2524% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1987% | 7,075 |
| Loan loss allowance to noncurrent loans | 32.0540% | 6,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3307% | 5,862 |
| Noncurrent loans to loans | 0.6199% | 5,201 |
| Net loans and leases to total assets | 48.0586% | 5,538 |
| Net loans and leases to deposits | 60.3897% | 5,160 |
| Net loans and leases to core deposits | 67.1037% | 4,825 |
| Total domestic deposits to total assets | 79.5808% | 5,753 |
| Equity capital to assets | 13.2869% | 1,448 |
| Core capital (leverage) ratio | 13.4688% | 1,024 |
| Tier 1 risk-based capital ratio | 37.7191% | 296 |
| Total risk-based capital ratio | 37.9908% | 309 |
| Memoranda: | ||
| Average total assets | $1,559,428,750 | 434 |
| Average earning assets | $1,488,325,750 | 408 |
| Average equity | $203,466,500 | 367 |
| Average total loans | $722,496,250 | 571 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1880% | 4,993 |
| Cost of funding earning assets | 0.6880% | 4,114 |
| Net interest margin | 3.5000% | 4,670 |
| Noninterest income to average assets | 0.3367% | 5,134 |
| Noninterest expense to average assets | 2.1584% | 6,109 |
| Loan and lease loss provision to assets | 0.0006% | 5,617 |
| Net operating income to assets | 0.9662% | 2,597 |
| Return on assets (ROA) | 0.9909% | 2,730 |
| Pretax return on assets | 1.5581% | 1,679 |
| Return on Equity (ROE) | 7.6411% | 3,425 |
| Retained earnings to average equity (ytd only) | 7.6411% | 1,791 |
| Net charge-offs to loans | 0.0250% | 5,037 |
| Credit loss provision to net charge-offs | 5.6180% | 4,779 |
| Earnings coverage of net charge-offs (x) | 133.1011% | 335 |
| Efficiency ratio | 58.6743% | 5,774 |
| Assets per employee ($millions) | 5.9764% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1997% | 7,147 |
| Loan loss allowance to noncurrent loans | 50.4501% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 6,286 |
| Noncurrent loans to loans | 0.3959% | 5,746 |
| Net loans and leases to total assets | 46.4991% | 5,780 |
| Net loans and leases to deposits | 59.1928% | 5,314 |
| Net loans and leases to core deposits | 65.8093% | 5,025 |
| Total domestic deposits to total assets | 78.5553% | 6,045 |
| Equity capital to assets | 13.1982% | 1,433 |
| Core capital (leverage) ratio | 13.3890% | 1,019 |
| Tier 1 risk-based capital ratio | 38.3761% | 267 |
| Total risk-based capital ratio | 38.6466% | 285 |
| Memoranda: | ||
| Average total assets | $1,558,450,330 | 433 |
| Average earning assets | $1,488,071,670 | 410 |
| Average equity | $202,092,000 | 367 |
| Average total loans | $712,546,670 | 579 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2162% | 5,049 |
| Cost of funding earning assets | 0.6980% | 4,297 |
| Net interest margin | 3.5182% | 4,600 |
| Noninterest income to average assets | 0.3406% | 5,131 |
| Noninterest expense to average assets | 2.1822% | 6,087 |
| Loan and lease loss provision to assets | 0.0216% | 5,068 |
| Net operating income to assets | 0.9404% | 2,746 |
| Return on assets (ROA) | 0.9614% | 2,833 |
| Pretax return on assets | 1.5310% | 1,796 |
| Return on Equity (ROE) | 7.4812% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.4812% | 2,181 |
| Net charge-offs to loans | 0.0545% | 3,951 |
| Credit loss provision to net charge-offs | 87.5000% | 2,592 |
| Earnings coverage of net charge-offs (x) | 61.5313% | 542 |
| Efficiency ratio | 58.9478% | 5,778 |
| Assets per employee ($millions) | 6.0691% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2138% | 7,200 |
| Loan loss allowance to noncurrent loans | 65.6223% | 4,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1762% | 6,443 |
| Noncurrent loans to loans | 0.3257% | 6,021 |
| Net loans and leases to total assets | 45.4081% | 5,852 |
| Net loans and leases to deposits | 58.1652% | 5,353 |
| Net loans and leases to core deposits | 64.6541% | 5,045 |
| Total domestic deposits to total assets | 78.0674% | 6,253 |
| Equity capital to assets | 12.8514% | 1,513 |
| Core capital (leverage) ratio | 13.0433% | 1,114 |
| Tier 1 risk-based capital ratio | 37.9731% | 271 |
| Total risk-based capital ratio | 38.2577% | 285 |
| Memoranda: | ||
| Average total assets | $1,554,764,500 | 433 |
| Average earning assets | $1,485,413,000 | 412 |
| Average equity | $199,808,000 | 364 |
| Average total loans | $704,045,000 | 583 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4000% | 5,426 |
| Cost of funding earning assets | 0.7965% | 4,894 |
| Net interest margin | 3.6035% | 4,717 |
| Noninterest income to average assets | 0.3338% | 5,149 |
| Noninterest expense to average assets | 2.2820% | 6,081 |
| Loan and lease loss provision to assets | 0.0264% | 6,245 |
| Net operating income to assets | 0.8800% | 2,690 |
| Return on assets (ROA) | 0.8917% | 2,771 |
| Pretax return on assets | 1.4767% | 1,544 |
| Return on Equity (ROE) | 6.6509% | 3,563 |
| Retained earnings to average equity (ytd only) | -2.3566% | 6,200 |
| Net charge-offs to loans | 0.0550% | 5,768 |
| Credit loss provision to net charge-offs | 108.1967% | 3,119 |
| Earnings coverage of net charge-offs (x) | 60.7650% | 476 |
| Efficiency ratio | 60.1765% | 5,732 |
| Assets per employee ($millions) | 5.9598% | 1,261 |
| Cash dividends to net income (ytd only)* | 135.4324% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2224% | 7,249 |
| Loan loss allowance to noncurrent loans | 59.6593% | 4,526 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 6,467 |
| Noncurrent loans to loans | 0.3728% | 5,973 |
| Net loans and leases to total assets | 44.9556% | 6,115 |
| Net loans and leases to deposits | 58.1255% | 5,683 |
| Net loans and leases to core deposits | 64.8246% | 5,385 |
| Total domestic deposits to total assets | 77.3423% | 6,291 |
| Equity capital to assets | 12.8513% | 1,572 |
| Core capital (leverage) ratio | 13.0717% | 1,114 |
| Tier 1 risk-based capital ratio | 38.4688% | 260 |
| Total risk-based capital ratio | 38.7637% | 274 |
| Memoranda: | ||
| Average total assets | $1,497,761,600 | 445 |
| Average earning assets | $1,426,907,200 | 415 |
| Average equity | $200,800,200 | 352 |
| Average total loans | $665,151,400 | 619 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4152% | 5,561 |
| Cost of funding earning assets | 0.8122% | 5,072 |
| Net interest margin | 3.6030% | 4,754 |
| Noninterest income to average assets | 0.3261% | 5,257 |
| Noninterest expense to average assets | 2.3213% | 5,975 |
| Loan and lease loss provision to assets | 0.0063% | 6,347 |
| Net operating income to assets | 0.8652% | 2,884 |
| Return on assets (ROA) | 0.8652% | 3,032 |
| Pretax return on assets | 1.4289% | 1,851 |
| Return on Equity (ROE) | 6.3848% | 3,832 |
| Retained earnings to average equity (ytd only) | -3.5356% | 6,474 |
| Net charge-offs to loans | 0.0038% | 6,142 |
| Credit loss provision to net charge-offs | 368.4211% | 775 |
| Earnings coverage of net charge-offs (x) | 842.9846% | 36 |
| Efficiency ratio | 61.2959% | 5,519 |
| Assets per employee ($millions) | 5.8393% | 1,317 |
| Cash dividends to net income (ytd only)* | 155.3760% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2326% | 7,321 |
| Loan loss allowance to noncurrent loans | 63.6849% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 0.1706% | 6,625 |
| Noncurrent loans to loans | 0.3652% | 6,125 |
| Net loans and leases to total assets | 43.6769% | 6,361 |
| Net loans and leases to deposits | 57.4903% | 5,889 |
| Net loans and leases to core deposits | 63.9489% | 5,620 |
| Total domestic deposits to total assets | 75.9727% | 6,536 |
| Equity capital to assets | 12.9884% | 1,621 |
| Core capital (leverage) ratio | 13.1235% | 1,181 |
| Tier 1 risk-based capital ratio | 38.7122% | 273 |
| Total risk-based capital ratio | 39.0125% | 284 |
| Memoranda: | ||
| Average total assets | $1,487,792,250 | 449 |
| Average earning assets | $1,416,541,500 | 421 |
| Average equity | $201,598,750 | 353 |
| Average total loans | $658,240,250 | 634 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 5,610 |
| Cost of funding earning assets | 0.8165% | 5,267 |
| Net interest margin | 3.6073% | 4,697 |
| Noninterest income to average assets | 0.3304% | 5,249 |
| Noninterest expense to average assets | 2.2793% | 6,180 |
| Loan and lease loss provision to assets | 0.0152% | 6,091 |
| Net operating income to assets | 0.8900% | 2,685 |
| Return on assets (ROA) | 0.8900% | 2,791 |
| Pretax return on assets | 1.4735% | 1,605 |
| Return on Equity (ROE) | 6.4759% | 3,718 |
| Retained earnings to average equity (ytd only) | 2.5314% | 4,679 |
| Net charge-offs to loans | 0.0055% | 5,799 |
| Credit loss provision to net charge-offs | 622.2222% | 502 |
| Earnings coverage of net charge-offs (x) | 610.2222% | 50 |
| Efficiency ratio | 59.7979% | 5,903 |
| Assets per employee ($millions) | 5.7879% | 1,313 |
| Cash dividends to net income (ytd only)* | 60.9106% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2394% | 7,381 |
| Loan loss allowance to noncurrent loans | 157.2134% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 6,902 |
| Noncurrent loans to loans | 0.1523% | 6,603 |
| Net loans and leases to total assets | 44.4042% | 6,405 |
| Net loans and leases to deposits | 58.2959% | 5,904 |
| Net loans and leases to core deposits | 64.5431% | 5,665 |
| Total domestic deposits to total assets | 76.1704% | 6,572 |
| Equity capital to assets | 13.6879% | 1,211 |
| Core capital (leverage) ratio | 13.8257% | 918 |
| Tier 1 risk-based capital ratio | 40.5914% | 238 |
| Total risk-based capital ratio | 40.9041% | 247 |
| Memoranda: | ||
| Average total assets | $1,475,701,330 | 459 |
| Average earning assets | $1,406,248,670 | 433 |
| Average equity | $202,814,330 | 353 |
| Average total loans | $655,248,000 | 649 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3916% | 5,725 |
| Cost of funding earning assets | 0.8172% | 5,481 |
| Net interest margin | 3.5744% | 4,692 |
| Noninterest income to average assets | 0.3253% | 5,317 |
| Noninterest expense to average assets | 2.2676% | 6,260 |
| Loan and lease loss provision to assets | 0.0284% | 5,611 |
| Net operating income to assets | 0.8415% | 2,814 |
| Return on assets (ROA) | 0.8415% | 2,873 |
| Pretax return on assets | 1.4379% | 1,629 |
| Return on Equity (ROE) | 6.1102% | 3,838 |
| Retained earnings to average equity (ytd only) | 6.1102% | 2,568 |
| Net charge-offs to loans | 0.0184% | 4,821 |
| Credit loss provision to net charge-offs | 346.6667% | 942 |
| Earnings coverage of net charge-offs (x) | 179.2333% | 177 |
| Efficiency ratio | 60.5784% | 5,895 |
| Assets per employee ($millions) | 5.8218% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2392% | 7,433 |
| Loan loss allowance to noncurrent loans | 129.8507% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 6,958 |
| Noncurrent loans to loans | 0.1842% | 6,599 |
| Net loans and leases to total assets | 43.8190% | 6,483 |
| Net loans and leases to deposits | 57.8611% | 5,939 |
| Net loans and leases to core deposits | 63.4699% | 5,783 |
| Total domestic deposits to total assets | 75.7313% | 6,710 |
| Equity capital to assets | 13.6813% | 1,115 |
| Core capital (leverage) ratio | 13.8330% | 888 |
| Tier 1 risk-based capital ratio | 41.5711% | 215 |
| Total risk-based capital ratio | 41.8867% | 221 |
| Memoranda: | ||
| Average total assets | $1,466,911,000 | 467 |
| Average earning assets | $1,398,848,500 | 438 |
| Average equity | $202,022,000 | 350 |
| Average total loans | $650,536,500 | 659 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5013% | 6,397 |
| Cost of funding earning assets | 1.1082% | 5,095 |
| Net interest margin | 3.3931% | 5,662 |
| Noninterest income to average assets | 0.3117% | 5,570 |
| Noninterest expense to average assets | 2.1640% | 6,706 |
| Loan and lease loss provision to assets | 0.0243% | 6,880 |
| Net operating income to assets | 0.9005% | 2,384 |
| Return on assets (ROA) | 0.8007% | 2,930 |
| Pretax return on assets | 1.2052% | 2,214 |
| Return on Equity (ROE) | 5.8900% | 3,661 |
| Retained earnings to average equity (ytd only) | 5.8900% | 1,888 |
| Net charge-offs to loans | 0.0863% | 5,975 |
| Credit loss provision to net charge-offs | 64.1929% | 6,004 |
| Earnings coverage of net charge-offs (x) | 36.5306% | 626 |
| Efficiency ratio | 60.8703% | 5,916 |
| Assets per employee ($millions) | 5.7279% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2302% | 7,514 |
| Loan loss allowance to noncurrent loans | 184.1584% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 7,087 |
| Noncurrent loans to loans | 0.1250% | 6,824 |
| Net loans and leases to total assets | 44.6814% | 6,657 |
| Net loans and leases to deposits | 58.0108% | 6,254 |
| Net loans and leases to core deposits | 63.7672% | 6,071 |
| Total domestic deposits to total assets | 77.0224% | 6,476 |
| Equity capital to assets | 13.8655% | 1,078 |
| Core capital (leverage) ratio | 14.0213% | 842 |
| Tier 1 risk-based capital ratio | 42.7508% | 197 |
| Total risk-based capital ratio | 43.0649% | 209 |
| Memoranda: | ||
| Average total assets | $1,426,295,000 | 473 |
| Average earning assets | $1,358,910,000 | 453 |
| Average equity | $193,903,800 | 361 |
| Average total loans | $624,767,000 | 709 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5440% | 6,479 |
| Cost of funding earning assets | 1.1801% | 4,980 |
| Net interest margin | 3.3638% | 5,797 |
| Noninterest income to average assets | 0.3249% | 5,556 |
| Noninterest expense to average assets | 2.0989% | 6,846 |
| Loan and lease loss provision to assets | 0.0260% | 6,809 |
| Net operating income to assets | 0.8901% | 2,648 |
| Return on assets (ROA) | 0.7608% | 3,329 |
| Pretax return on assets | 1.2024% | 2,476 |
| Return on Equity (ROE) | 5.6245% | 3,994 |
| Retained earnings to average equity (ytd only) | 5.6245% | 2,578 |
| Net charge-offs to loans | 0.1137% | 5,401 |
| Credit loss provision to net charge-offs | 52.4621% | 5,849 |
| Earnings coverage of net charge-offs (x) | 28.8940% | 901 |
| Efficiency ratio | 59.2864% | 6,066 |
| Assets per employee ($millions) | 5.7648% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2234% | 7,633 |
| Loan loss allowance to noncurrent loans | 281.4961% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 7,267 |
| Noncurrent loans to loans | 0.0794% | 7,042 |
| Net loans and leases to total assets | 44.3120% | 6,814 |
| Net loans and leases to deposits | 57.3545% | 6,519 |
| Net loans and leases to core deposits | 63.0344% | 6,370 |
| Total domestic deposits to total assets | 77.2600% | 6,429 |
| Equity capital to assets | 13.6583% | 1,292 |
| Core capital (leverage) ratio | 13.7612% | 975 |
| Tier 1 risk-based capital ratio | 41.4507% | 224 |
| Total risk-based capital ratio | 41.7494% | 233 |
| Memoranda: | ||
| Average total assets | $1,422,010,250 | 469 |
| Average earning assets | $1,354,607,500 | 450 |
| Average equity | $192,344,750 | 359 |
| Average total loans | $619,350,250 | 720 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5658% | 6,545 |
| Cost of funding earning assets | 1.2253% | 4,988 |
| Net interest margin | 3.3405% | 5,872 |
| Noninterest income to average assets | 0.3371% | 5,455 |
| Noninterest expense to average assets | 2.1098% | 6,873 |
| Loan and lease loss provision to assets | 0.0223% | 6,711 |
| Net operating income to assets | 0.8806% | 2,619 |
| Return on assets (ROA) | 0.6858% | 3,613 |
| Pretax return on assets | 1.0801% | 2,848 |
| Return on Equity (ROE) | 5.0869% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.0869% | 2,855 |
| Net charge-offs to loans | 0.1074% | 5,086 |
| Credit loss provision to net charge-offs | 48.0243% | 5,460 |
| Earnings coverage of net charge-offs (x) | 30.2675% | 915 |
| Efficiency ratio | 59.8088% | 6,078 |
| Assets per employee ($millions) | 5.7408% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2401% | 7,689 |
| Loan loss allowance to noncurrent loans | 173.5632% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 7,239 |
| Noncurrent loans to loans | 0.1384% | 6,982 |
| Net loans and leases to total assets | 43.3617% | 6,965 |
| Net loans and leases to deposits | 55.8296% | 6,739 |
| Net loans and leases to core deposits | 61.5410% | 6,587 |
| Total domestic deposits to total assets | 77.6679% | 6,346 |
| Equity capital to assets | 13.3651% | 1,408 |
| Core capital (leverage) ratio | 13.4665% | 1,069 |
| Tier 1 risk-based capital ratio | 41.2278% | 228 |
| Total risk-based capital ratio | 41.5471% | 238 |
| Memoranda: | ||
| Average total assets | $1,415,612,330 | 471 |
| Average earning assets | $1,347,408,000 | 453 |
| Average equity | $190,845,000 | 359 |
| Average total loans | $612,448,000 | 729 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 6,451 |
| Cost of funding earning assets | 1.2346% | 5,207 |
| Net interest margin | 3.3998% | 5,586 |
| Noninterest income to average assets | 0.3011% | 5,742 |
| Noninterest expense to average assets | 2.1936% | 6,700 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8707% | 2,669 |
| Return on assets (ROA) | 0.4343% | 4,825 |
| Pretax return on assets | 0.6697% | 4,339 |
| Return on Equity (ROE) | 3.2069% | 5,251 |
| Retained earnings to average equity (ytd only) | 3.2069% | 4,226 |
| Net charge-offs to loans | 0.1331% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 23.3532% | 1,055 |
| Efficiency ratio | 61.8736% | 5,853 |
| Assets per employee ($millions) | 5.6139% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2434% | 7,792 |
| Loan loss allowance to noncurrent loans | 229.4574% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 7,346 |
| Noncurrent loans to loans | 0.1061% | 7,132 |
| Net loans and leases to total assets | 43.0539% | 7,057 |
| Net loans and leases to deposits | 55.8510% | 6,785 |
| Net loans and leases to core deposits | 62.2088% | 6,587 |
| Total domestic deposits to total assets | 77.0871% | 6,540 |
| Equity capital to assets | 13.4846% | 1,333 |
| Core capital (leverage) ratio | 13.5878% | 1,061 |
| Tier 1 risk-based capital ratio | 40.3766% | 248 |
| Total risk-based capital ratio | 40.6885% | 254 |
| Memoranda: | ||
| Average total assets | $1,400,075,000 | 491 |
| Average earning assets | $1,331,613,000 | 468 |
| Average equity | $189,592,000 | 367 |
| Average total loans | $604,263,000 | 763 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8368% | 6,868 |
| Cost of funding earning assets | 1.5123% | 5,469 |
| Net interest margin | 3.3245% | 5,646 |
| Noninterest income to average assets | 0.3688% | 5,453 |
| Noninterest expense to average assets | 2.1465% | 7,091 |
| Loan and lease loss provision to assets | 0.0921% | 6,678 |
| Net operating income to assets | 0.8458% | 2,366 |
| Return on assets (ROA) | 0.7267% | 2,901 |
| Pretax return on assets | 1.1092% | 2,218 |
| Return on Equity (ROE) | 6.5161% | 2,984 |
| Retained earnings to average equity (ytd only) | 1.5489% | 3,991 |
| Net charge-offs to loans | 0.0441% | 6,665 |
| Credit loss provision to net charge-offs | 453.6765% | 686 |
| Earnings coverage of net charge-offs (x) | 68.0515% | 398 |
| Efficiency ratio | 60.6762% | 6,374 |
| Assets per employee ($millions) | 5.4339% | 1,706 |
| Cash dividends to net income (ytd only)* | 76.2301% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2800% | 7,837 |
| Loan loss allowance to noncurrent loans | 323.2692% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 7,384 |
| Noncurrent loans to loans | 0.0866% | 7,196 |
| Net loans and leases to total assets | 43.0389% | 7,175 |
| Net loans and leases to deposits | 57.1373% | 6,842 |
| Net loans and leases to core deposits | 66.4789% | 6,958 |
| Total domestic deposits to total assets | 75.3253% | 6,804 |
| Equity capital to assets | 13.5993% | 1,279 |
| Core capital (leverage) ratio | 13.6658% | 1,054 |
| Tier 1 risk-based capital ratio | 36.8547% | 307 |
| Total risk-based capital ratio | 37.1807% | 319 |
| Memoranda: | ||
| Average total assets | $1,339,575,000 | 506 |
| Average earning assets | $1,273,099,600 | 481 |
| Average equity | $149,399,400 | 453 |
| Average total loans | $616,569,200 | 758 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8655% | 6,968 |
| Cost of funding earning assets | 1.5691% | 5,548 |
| Net interest margin | 3.2964% | 5,657 |
| Noninterest income to average assets | 0.3603% | 5,616 |
| Noninterest expense to average assets | 2.1311% | 7,127 |
| Loan and lease loss provision to assets | 0.1154% | 6,210 |
| Net operating income to assets | 0.8256% | 2,707 |
| Return on assets (ROA) | 0.6653% | 3,398 |
| Pretax return on assets | 1.0046% | 2,891 |
| Return on Equity (ROE) | 6.3292% | 3,383 |
| Retained earnings to average equity (ytd only) | 5.2546% | 2,340 |
| Net charge-offs to loans | 0.0593% | 6,113 |
| Credit loss provision to net charge-offs | 415.9420% | 958 |
| Earnings coverage of net charge-offs (x) | 49.1342% | 651 |
| Efficiency ratio | 60.8307% | 6,304 |
| Assets per employee ($millions) | 5.2989% | 1,788 |
| Cash dividends to net income (ytd only)* | 16.9789% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2621% | 7,933 |
| Loan loss allowance to noncurrent loans | 136.5352% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.0956% | 7,311 |
| Noncurrent loans to loans | 0.1920% | 7,019 |
| Net loans and leases to total assets | 44.6578% | 7,203 |
| Net loans and leases to deposits | 59.5509% | 6,861 |
| Net loans and leases to core deposits | 70.7664% | 6,921 |
| Total domestic deposits to total assets | 74.9910% | 6,774 |
| Equity capital to assets | 14.1466% | 1,259 |
| Core capital (leverage) ratio | 14.2504% | 1,020 |
| Tier 1 risk-based capital ratio | 37.4132% | 325 |
| Total risk-based capital ratio | 37.7214% | 337 |
| Memoranda: | ||
| Average total assets | $1,326,701,750 | 522 |
| Average earning assets | $1,261,229,000 | 500 |
| Average equity | $139,455,500 | 493 |
| Average total loans | $620,616,250 | 772 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 6,991 |
| Cost of funding earning assets | 1.6218% | 5,657 |
| Net interest margin | 3.2953% | 5,574 |
| Noninterest income to average assets | 0.3518% | 5,689 |
| Noninterest expense to average assets | 2.1134% | 7,247 |
| Loan and lease loss provision to assets | 0.1728% | 5,334 |
| Net operating income to assets | 0.7716% | 2,962 |
| Return on assets (ROA) | 0.7977% | 2,961 |
| Pretax return on assets | 1.2317% | 2,212 |
| Return on Equity (ROE) | 8.6117% | 2,510 |
| Retained earnings to average equity (ytd only) | 7.9869% | 1,210 |
| Net charge-offs to loans | 0.0525% | 5,755 |
| Credit loss provision to net charge-offs | 693.9024% | 675 |
| Earnings coverage of net charge-offs (x) | 54.7744% | 645 |
| Efficiency ratio | 60.6018% | 6,458 |
| Assets per employee ($millions) | 5.9292% | 1,247 |
| Cash dividends to net income (ytd only)* | 7.2544% | 3,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2787% | 8,005 |
| Loan loss allowance to noncurrent loans | 240.7092% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.0555% | 7,459 |
| Noncurrent loans to loans | 0.1158% | 7,232 |
| Net loans and leases to total assets | 40.3153% | 7,533 |
| Net loans and leases to deposits | 49.1456% | 7,517 |
| Net loans and leases to core deposits | 57.6177% | 7,532 |
| Total domestic deposits to total assets | 82.0324% | 4,684 |
| Equity capital to assets | 8.2603% | 6,402 |
| Core capital (leverage) ratio | 8.4429% | 5,537 |
| Tier 1 risk-based capital ratio | 21.8311% | 1,278 |
| Total risk-based capital ratio | 22.1220% | 1,386 |
| Memoranda: | ||
| Average total assets | $1,316,765,000 | 536 |
| Average earning assets | $1,249,106,330 | 516 |
| Average equity | $121,974,000 | 562 |
| Average total loans | $625,028,000 | 786 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4349% | 5,249 |
| Cost of funding earning assets | 1.7385% | 5,432 |
| Net interest margin | 3.6964% | 3,905 |
| Noninterest income to average assets | 0.3122% | 5,943 |
| Noninterest expense to average assets | 2.1585% | 6,983 |
| Loan and lease loss provision to assets | 0.3640% | 3,140 |
| Net operating income to assets | 0.8157% | 3,062 |
| Return on assets (ROA) | 0.9207% | 2,754 |
| Pretax return on assets | 1.4617% | 1,775 |
| Return on Equity (ROE) | 9.3176% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.0556% | 1,795 |
| Net charge-offs to loans | 0.0670% | 4,534 |
| Credit loss provision to net charge-offs | 1,049.0566% | 593 |
| Earnings coverage of net charge-offs (x) | 47.8962% | 754 |
| Efficiency ratio | 56.3400% | 6,920 |
| Assets per employee ($millions) | 4.9262% | 2,145 |
| Cash dividends to net income (ytd only)* | 13.5443% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2767% | 8,049 |
| Loan loss allowance to noncurrent loans | 223.4994% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 7,370 |
| Noncurrent loans to loans | 0.1238% | 7,168 |
| Net loans and leases to total assets | 51.6261% | 6,720 |
| Net loans and leases to deposits | 66.1381% | 6,366 |
| Net loans and leases to core deposits | 82.6607% | 6,179 |
| Total domestic deposits to total assets | 78.0580% | 5,995 |
| Equity capital to assets | 9.9808% | 4,022 |
| Core capital (leverage) ratio | 10.2029% | 3,196 |
| Tier 1 risk-based capital ratio | 25.8163% | 904 |
| Total risk-based capital ratio | 26.1780% | 961 |
| Memoranda: | ||
| Average total assets | $1,222,144,500 | 582 |
| Average earning assets | $1,159,836,500 | 560 |
| Average equity | $120,761,000 | 568 |
| Average total loans | $633,118,000 | 787 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 7,438 |
| Cost of funding earning assets | 2.0793% | 6,134 |
| Net interest margin | 3.3400% | 5,902 |
| Noninterest income to average assets | 0.3767% | 5,675 |
| Noninterest expense to average assets | 2.2502% | 6,835 |
| Loan and lease loss provision to assets | 0.2337% | 4,562 |
| Net operating income to assets | 0.6948% | 3,914 |
| Return on assets (ROA) | 0.6949% | 3,749 |
| Pretax return on assets | 1.0636% | 3,169 |
| Return on Equity (ROE) | 7.1033% | 3,473 |
| Retained earnings to average equity (ytd only) | 5.6881% | 1,671 |
| Net charge-offs to loans | 0.0392% | 6,242 |
| Credit loss provision to net charge-offs | 1,182.2034% | 381 |
| Earnings coverage of net charge-offs (x) | 65.6271% | 614 |
| Efficiency ratio | 63.2346% | 5,729 |
| Assets per employee ($millions) | 4.8904% | 2,063 |
| Cash dividends to net income (ytd only)* | 19.9229% | 4,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1183% | 8,206 |
| Loan loss allowance to noncurrent loans | 503.3557% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 7,511 |
| Noncurrent loans to loans | 0.0235% | 7,422 |
| Net loans and leases to total assets | 51.7770% | 6,861 |
| Net loans and leases to deposits | 67.6276% | 6,495 |
| Net loans and leases to core deposits | 84.2499% | 6,269 |
| Total domestic deposits to total assets | 76.5620% | 6,109 |
| Equity capital to assets | 9.7814% | 4,318 |
| Core capital (leverage) ratio | 9.8926% | 3,554 |
| Tier 1 risk-based capital ratio | 24.8153% | 998 |
| Total risk-based capital ratio | 24.9692% | 1,092 |
| Memoranda: | ||
| Average total assets | $1,193,994,400 | 561 |
| Average earning assets | $1,133,453,200 | 538 |
| Average equity | $116,805,000 | 584 |
| Average total loans | $601,742,400 | 794 |