Home > Westfield Bank, FSB > Performance and Condition Ratios
Westfield Bank, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 2,915 |
| Cost of funding earning assets | 1.8730% | 1,117 |
| Net interest margin | 2.7177% | 3,798 |
| Noninterest income to average assets | 0.4500% | 2,231 |
| Noninterest expense to average assets | 1.9331% | 3,768 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8254% | 2,788 |
| Return on assets (ROA) | 0.8254% | 2,767 |
| Pretax return on assets | 1.0122% | 2,646 |
| Return on Equity (ROE) | 8.4000% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.4046% | 1,424 |
| Net charge-offs to loans | 0.0275% | 1,764 |
| Credit loss provision to net charge-offs | 46.6357% | 2,208 |
| Earnings coverage of net charge-offs (x) | 49.4176% | 1,301 |
| Efficiency ratio | 65.2913% | 2,444 |
| Assets per employee ($millions) | 10.9054% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 2,472 |
| Loan loss allowance to noncurrent loans | 369.5015% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 2,034 |
| Noncurrent loans to loans | 0.3155% | 2,058 |
| Net loans and leases to total assets | 73.9200% | 1,374 |
| Net loans and leases to deposits | 88.8418% | 1,354 |
| Net loans and leases to core deposits | 95.0222% | 1,709 |
| Total domestic deposits to total assets | 83.2000% | 2,839 |
| Equity capital to assets | 10.3811% | 1,794 |
| Core capital (leverage) ratio | 11.2173% | 1,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,072,653,400 | 556 |
| Average earning assets | $1,915,695,400 | 546 |
| Average equity | $203,555,400 | 529 |
| Average total loans | $1,568,354,200 | 499 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 2,916 |
| Cost of funding earning assets | 1.7187% | 1,154 |
| Net interest margin | 2.7824% | 3,755 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 1.9319% | 3,749 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8487% | 2,867 |
| Return on assets (ROA) | 0.8487% | 2,848 |
| Pretax return on assets | 1.0410% | 2,742 |
| Return on Equity (ROE) | 8.7700% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.7675% | 1,749 |
| Net charge-offs to loans | 0.0154% | 1,843 |
| Credit loss provision to net charge-offs | 355.8011% | 787 |
| Earnings coverage of net charge-offs (x) | 92.1050% | 963 |
| Efficiency ratio | 64.2759% | 2,465 |
| Assets per employee ($millions) | 10.8848% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 2,337 |
| Loan loss allowance to noncurrent loans | 328.1810% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 1,867 |
| Noncurrent loans to loans | 0.3668% | 1,920 |
| Net loans and leases to total assets | 76.4400% | 1,071 |
| Net loans and leases to deposits | 89.3377% | 1,283 |
| Net loans and leases to core deposits | 95.2425% | 1,600 |
| Total domestic deposits to total assets | 85.5600% | 2,331 |
| Equity capital to assets | 10.0173% | 1,824 |
| Core capital (leverage) ratio | 11.0687% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,070,084,000 | 557 |
| Average earning assets | $1,912,816,000 | 546 |
| Average equity | $200,386,250 | 532 |
| Average total loans | $1,570,988,750 | 502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 3,034 |
| Cost of funding earning assets | 1.5960% | 1,078 |
| Net interest margin | 2.7379% | 3,924 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 1.9634% | 3,679 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 0.7319% | 3,265 |
| Return on assets (ROA) | 0.7319% | 3,274 |
| Pretax return on assets | 0.8945% | 3,175 |
| Return on Equity (ROE) | 7.6500% | 3,332 |
| Retained earnings to average equity (ytd only) | 7.6471% | 2,087 |
| Net charge-offs to loans | 0.0254% | 1,378 |
| Credit loss provision to net charge-offs | 551.0000% | 609 |
| Earnings coverage of net charge-offs (x) | 53.3050% | 1,252 |
| Efficiency ratio | 65.7555% | 2,271 |
| Assets per employee ($millions) | 11.2632% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2097% | 2,392 |
| Loan loss allowance to noncurrent loans | 148.3963% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.6107% | 881 |
| Noncurrent loans to loans | 0.8152% | 937 |
| Net loans and leases to total assets | 74.0200% | 1,291 |
| Net loans and leases to deposits | 91.7251% | 1,045 |
| Net loans and leases to core deposits | 97.4532% | 1,386 |
| Total domestic deposits to total assets | 80.6900% | 3,473 |
| Equity capital to assets | 9.4936% | 2,163 |
| Core capital (leverage) ratio | 10.7658% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,085,254,667 | 540 |
| Average earning assets | $1,929,160,000 | 530 |
| Average equity | $199,579,000 | 524 |
| Average total loans | $1,572,535,333 | 491 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2447% | 2,940 |
| Cost of funding earning assets | 1.4019% | 1,018 |
| Net interest margin | 2.8427% | 3,880 |
| Noninterest income to average assets | 0.4300% | 2,210 |
| Noninterest expense to average assets | 1.9956% | 3,637 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 0.7798% | 3,254 |
| Return on assets (ROA) | 0.7798% | 3,210 |
| Pretax return on assets | 0.9560% | 3,108 |
| Return on Equity (ROE) | 8.1100% | 3,261 |
| Retained earnings to average equity (ytd only) | 8.1141% | 2,187 |
| Net charge-offs to loans | 0.0392% | 968 |
| Credit loss provision to net charge-offs | 325.4902% | 660 |
| Earnings coverage of net charge-offs (x) | 35.9608% | 1,227 |
| Efficiency ratio | 65.1706% | 2,303 |
| Assets per employee ($millions) | 10.9647% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 2,626 |
| Loan loss allowance to noncurrent loans | 427.7626% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 2,091 |
| Noncurrent loans to loans | 0.2776% | 2,150 |
| Net loans and leases to total assets | 74.4500% | 1,139 |
| Net loans and leases to deposits | 91.5351% | 946 |
| Net loans and leases to core deposits | 96.5942% | 1,247 |
| Total domestic deposits to total assets | 81.3400% | 3,583 |
| Equity capital to assets | 9.5841% | 2,072 |
| Core capital (leverage) ratio | 10.6334% | 2,120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,063,509,000 | 559 |
| Average earning assets | $1,913,078,500 | 544 |
| Average equity | $198,321,000 | 537 |
| Average total loans | $1,561,345,000 | 503 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 2,618 |
| Cost of funding earning assets | 0.4438% | 1,764 |
| Net interest margin | 3.2244% | 2,794 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.0619% | 3,412 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1143% | 2,106 |
| Return on assets (ROA) | 1.1013% | 2,103 |
| Pretax return on assets | 1.3630% | 1,888 |
| Return on Equity (ROE) | 11.1100% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.7468% | 1,551 |
| Net charge-offs to loans | 0.0104% | 1,983 |
| Credit loss provision to net charge-offs | 337.0130% | 852 |
| Earnings coverage of net charge-offs (x) | 183.1818% | 694 |
| Efficiency ratio | 59.3217% | 3,150 |
| Assets per employee ($millions) | 10.9879% | 510 |
| Cash dividends to net income (ytd only)* | 21.2545% | 2,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,436 |
| Loan loss allowance to noncurrent loans | 416.1369% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 2,283 |
| Noncurrent loans to loans | 0.2383% | 2,322 |
| Net loans and leases to total assets | 75.2400% | 1,098 |
| Net loans and leases to deposits | 93.9649% | 785 |
| Net loans and leases to core deposits | 100.2300% | 995 |
| Total domestic deposits to total assets | 80.0700% | 3,872 |
| Equity capital to assets | 9.6385% | 1,921 |
| Core capital (leverage) ratio | 10.8942% | 1,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $2,007,984,600 | 545 |
| Average earning assets | $1,869,375,400 | 533 |
| Average equity | $199,078,000 | 531 |
| Average total loans | $1,477,718,000 | 487 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 2,509 |
| Cost of funding earning assets | 0.2991% | 2,177 |
| Net interest margin | 3.2357% | 2,512 |
| Noninterest income to average assets | 0.4600% | 2,378 |
| Noninterest expense to average assets | 2.0795% | 3,270 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0757% | 2,184 |
| Return on assets (ROA) | 1.0757% | 2,146 |
| Pretax return on assets | 1.3370% | 1,933 |
| Return on Equity (ROE) | 10.7700% | 2,477 |
| Retained earnings to average equity (ytd only) | 10.7736% | 1,111 |
| Net charge-offs to loans | 0.0040% | 2,063 |
| Credit loss provision to net charge-offs | 2,056.8182% | 246 |
| Earnings coverage of net charge-offs (x) | 476.7727% | 325 |
| Efficiency ratio | 59.7100% | 3,149 |
| Assets per employee ($millions) | 11.0887% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 3,245 |
| Loan loss allowance to noncurrent loans | 425.3362% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.1832% | 2,377 |
| Noncurrent loans to loans | 0.2472% | 2,393 |
| Net loans and leases to total assets | 73.3300% | 1,152 |
| Net loans and leases to deposits | 88.4480% | 1,003 |
| Net loans and leases to core deposits | 93.7527% | 1,111 |
| Total domestic deposits to total assets | 82.9100% | 3,704 |
| Equity capital to assets | 9.4458% | 1,917 |
| Core capital (leverage) ratio | 10.5792% | 2,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,001,791,000 | 549 |
| Average earning assets | $1,864,567,000 | 536 |
| Average equity | $199,865,750 | 532 |
| Average total loans | $1,460,967,000 | 487 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4028% | 2,424 |
| Cost of funding earning assets | 0.2129% | 2,733 |
| Net interest margin | 3.1899% | 2,222 |
| Noninterest income to average assets | 0.5237% | 2,070 |
| Noninterest expense to average assets | 2.0541% | 3,285 |
| Loan and lease loss provision to assets | 0.0746% | 1,289 |
| Net operating income to assets | 1.1027% | 1,764 |
| Return on assets (ROA) | 1.1027% | 1,738 |
| Pretax return on assets | 1.3690% | 1,520 |
| Return on Equity (ROE) | 10.8453% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.8453% | 812 |
| Net charge-offs to loans | 0.0036% | 1,914 |
| Credit loss provision to net charge-offs | 2,857.6923% | 190 |
| Earnings coverage of net charge-offs (x) | 553.1923% | 235 |
| Efficiency ratio | 58.6260% | 3,476 |
| Assets per employee ($millions) | 10.7452% | 534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 3,283 |
| Loan loss allowance to noncurrent loans | 338.0798% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2282% | 2,179 |
| Noncurrent loans to loans | 0.3158% | 2,211 |
| Net loans and leases to total assets | 71.4905% | 1,162 |
| Net loans and leases to deposits | 86.3864% | 946 |
| Net loans and leases to core deposits | 90.5516% | 1,092 |
| Total domestic deposits to total assets | 82.7567% | 3,910 |
| Equity capital to assets | 9.7652% | 1,843 |
| Core capital (leverage) ratio | 10.6246% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,992,644,000 | 548 |
| Average earning assets | $1,857,763,667 | 544 |
| Average equity | $202,595,000 | 526 |
| Average total loans | $1,446,665,333 | 485 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 2,146 |
| Cost of funding earning assets | 0.2047% | 2,736 |
| Net interest margin | 3.1755% | 1,956 |
| Noninterest income to average assets | 0.6470% | 1,503 |
| Noninterest expense to average assets | 2.0290% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2724% | 1,068 |
| Return on assets (ROA) | 1.2724% | 1,061 |
| Pretax return on assets | 1.5827% | 857 |
| Return on Equity (ROE) | 12.2656% | 1,238 |
| Retained earnings to average equity (ytd only) | 12.2656% | 565 |
| Net charge-offs to loans | -0.0042% | 3,287 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0774% | 3,872 |
| Assets per employee ($millions) | 10.8160% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0375% | 3,571 |
| Loan loss allowance to noncurrent loans | 398.4030% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 2,518 |
| Noncurrent loans to loans | 0.2604% | 2,544 |
| Net loans and leases to total assets | 70.2139% | 999 |
| Net loans and leases to deposits | 78.8373% | 1,220 |
| Net loans and leases to core deposits | 82.5279% | 1,324 |
| Total domestic deposits to total assets | 89.0618% | 2,054 |
| Equity capital to assets | 9.9055% | 1,969 |
| Core capital (leverage) ratio | 10.1338% | 2,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,973,547,500 | 555 |
| Average earning assets | $1,842,624,000 | 549 |
| Average equity | $204,735,000 | 534 |
| Average total loans | $1,436,235,500 | 484 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5978% | 2,395 |
| Cost of funding earning assets | 0.3117% | 2,278 |
| Net interest margin | 3.2861% | 2,350 |
| Noninterest income to average assets | 0.4850% | 2,647 |
| Noninterest expense to average assets | 2.1701% | 3,178 |
| Loan and lease loss provision to assets | 0.0144% | 2,794 |
| Net operating income to assets | 1.1066% | 2,273 |
| Return on assets (ROA) | 1.1066% | 2,333 |
| Pretax return on assets | 1.3695% | 2,143 |
| Return on Equity (ROE) | 10.6020% | 2,307 |
| Retained earnings to average equity (ytd only) | 9.0199% | 1,196 |
| Net charge-offs to loans | -0.0219% | 4,017 |
| Credit loss provision to net charge-offs | -88.8889% | 3,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7452% | 3,035 |
| Assets per employee ($millions) | 10.1253% | 640 |
| Cash dividends to net income (ytd only)* | 14.9226% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,588 |
| Loan loss allowance to noncurrent loans | 379.6141% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 2,536 |
| Noncurrent loans to loans | 0.2755% | 2,617 |
| Net loans and leases to total assets | 73.9314% | 670 |
| Net loans and leases to deposits | 87.0348% | 713 |
| Net loans and leases to core deposits | 91.8398% | 886 |
| Total domestic deposits to total assets | 84.9446% | 3,290 |
| Equity capital to assets | 10.8717% | 1,881 |
| Core capital (leverage) ratio | 9.9070% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,937,767,400 | 552 |
| Average earning assets | $1,809,764,000 | 545 |
| Average equity | $202,263,000 | 535 |
| Average total loans | $1,437,051,400 | 480 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5974% | 2,568 |
| Cost of funding earning assets | 0.3277% | 2,324 |
| Net interest margin | 3.2697% | 2,512 |
| Noninterest income to average assets | 0.5190% | 2,544 |
| Noninterest expense to average assets | 2.0589% | 3,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2082% | 2,143 |
| Return on assets (ROA) | 1.2082% | 2,198 |
| Pretax return on assets | 1.5136% | 1,960 |
| Return on Equity (ROE) | 11.6946% | 2,143 |
| Retained earnings to average equity (ytd only) | 11.6946% | 898 |
| Net charge-offs to loans | 0.0120% | 1,885 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 169.7462% | 619 |
| Efficiency ratio | 57.4141% | 3,365 |
| Assets per employee ($millions) | 10.3593% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 3,763 |
| Loan loss allowance to noncurrent loans | 286.8548% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 2,502 |
| Noncurrent loans to loans | 0.3568% | 2,497 |
| Net loans and leases to total assets | 70.6529% | 1,025 |
| Net loans and leases to deposits | 82.3464% | 1,085 |
| Net loans and leases to core deposits | 86.3982% | 1,268 |
| Total domestic deposits to total assets | 85.7997% | 2,825 |
| Equity capital to assets | 10.7225% | 2,242 |
| Core capital (leverage) ratio | 9.6272% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,943,788,500 | 551 |
| Average earning assets | $1,815,244,000 | 549 |
| Average equity | $200,816,250 | 543 |
| Average total loans | $1,438,873,000 | 487 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5991% | 2,624 |
| Cost of funding earning assets | 0.3497% | 2,318 |
| Net interest margin | 3.2493% | 2,610 |
| Noninterest income to average assets | 0.4882% | 2,674 |
| Noninterest expense to average assets | 1.9969% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2255% | 2,093 |
| Return on assets (ROA) | 1.2255% | 2,162 |
| Pretax return on assets | 1.5276% | 1,931 |
| Return on Equity (ROE) | 12.0144% | 2,057 |
| Retained earnings to average equity (ytd only) | 12.0144% | 911 |
| Net charge-offs to loans | -0.0559% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4384% | 3,487 |
| Assets per employee ($millions) | 10.4045% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,682 |
| Loan loss allowance to noncurrent loans | 247.7349% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 2,390 |
| Noncurrent loans to loans | 0.4193% | 2,424 |
| Net loans and leases to total assets | 71.9203% | 978 |
| Net loans and leases to deposits | 83.6678% | 1,088 |
| Net loans and leases to core deposits | 87.9195% | 1,266 |
| Total domestic deposits to total assets | 85.9594% | 2,752 |
| Equity capital to assets | 10.4240% | 2,462 |
| Core capital (leverage) ratio | 9.4381% | 2,976 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,942,534,333 | 544 |
| Average earning assets | $1,815,137,333 | 542 |
| Average equity | $198,146,333 | 545 |
| Average total loans | $1,455,087,333 | 487 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6131% | 2,599 |
| Cost of funding earning assets | 0.3979% | 2,113 |
| Net interest margin | 3.2152% | 2,649 |
| Noninterest income to average assets | 0.5918% | 2,245 |
| Noninterest expense to average assets | 1.9420% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3270% | 1,738 |
| Return on assets (ROA) | 1.3270% | 1,823 |
| Pretax return on assets | 1.6554% | 1,593 |
| Return on Equity (ROE) | 13.1551% | 1,628 |
| Retained earnings to average equity (ytd only) | 13.1551% | 885 |
| Net charge-offs to loans | -0.0900% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7653% | 3,811 |
| Assets per employee ($millions) | 10.7860% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,838 |
| Loan loss allowance to noncurrent loans | 242.6731% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 2,654 |
| Noncurrent loans to loans | 0.4117% | 2,627 |
| Net loans and leases to total assets | 71.7809% | 1,058 |
| Net loans and leases to deposits | 82.8344% | 1,265 |
| Net loans and leases to core deposits | 87.0113% | 1,454 |
| Total domestic deposits to total assets | 86.6558% | 2,462 |
| Equity capital to assets | 9.7233% | 2,975 |
| Core capital (leverage) ratio | 9.4327% | 3,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,935,776,000 | 539 |
| Average earning assets | $1,809,520,500 | 538 |
| Average equity | $195,270,000 | 543 |
| Average total loans | $1,471,849,500 | 484 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 2,736 |
| Cost of funding earning assets | 0.6260% | 2,146 |
| Net interest margin | 3.3712% | 2,863 |
| Noninterest income to average assets | 0.4782% | 2,737 |
| Noninterest expense to average assets | 2.2352% | 3,574 |
| Loan and lease loss provision to assets | 0.2612% | 1,482 |
| Net operating income to assets | 0.9007% | 2,693 |
| Return on assets (ROA) | 0.9009% | 2,825 |
| Pretax return on assets | 1.1178% | 2,626 |
| Return on Equity (ROE) | 8.3019% | 2,689 |
| Retained earnings to average equity (ytd only) | 7.1974% | 1,323 |
| Net charge-offs to loans | 0.0316% | 2,401 |
| Credit loss provision to net charge-offs | 1,047.1963% | 759 |
| Earnings coverage of net charge-offs (x) | 55.2804% | 1,116 |
| Efficiency ratio | 61.5060% | 3,221 |
| Assets per employee ($millions) | 10.1866% | 498 |
| Cash dividends to net income (ytd only)* | 13.3044% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 3,966 |
| Loan loss allowance to noncurrent loans | 230.2807% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 2,642 |
| Noncurrent loans to loans | 0.4232% | 2,712 |
| Net loans and leases to total assets | 79.1363% | 490 |
| Net loans and leases to deposits | 93.0283% | 716 |
| Net loans and leases to core deposits | 98.6280% | 978 |
| Total domestic deposits to total assets | 85.0670% | 2,735 |
| Equity capital to assets | 10.4878% | 2,684 |
| Core capital (leverage) ratio | 9.1108% | 3,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,716,178,200 | 553 |
| Average earning assets | $1,596,269,400 | 543 |
| Average equity | $186,234,800 | 543 |
| Average total loans | $1,353,686,800 | 496 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8875% | 3,291 |
| Cost of funding earning assets | 0.6889% | 2,095 |
| Net interest margin | 3.1986% | 3,499 |
| Noninterest income to average assets | 0.4937% | 2,635 |
| Noninterest expense to average assets | 2.2362% | 3,589 |
| Loan and lease loss provision to assets | 0.2632% | 1,543 |
| Net operating income to assets | 0.7851% | 3,152 |
| Return on assets (ROA) | 0.7854% | 3,264 |
| Pretax return on assets | 0.9693% | 3,161 |
| Return on Equity (ROE) | 7.1714% | 3,135 |
| Retained earnings to average equity (ytd only) | 6.4073% | 1,919 |
| Net charge-offs to loans | 0.0061% | 2,917 |
| Credit loss provision to net charge-offs | 5,450.8197% | 204 |
| Earnings coverage of net charge-offs (x) | 255.1803% | 403 |
| Efficiency ratio | 64.1059% | 2,715 |
| Assets per employee ($millions) | 10.3248% | 455 |
| Cash dividends to net income (ytd only)* | 10.6542% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 3,968 |
| Loan loss allowance to noncurrent loans | 173.3487% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.4188% | 2,494 |
| Noncurrent loans to loans | 0.5379% | 2,452 |
| Net loans and leases to total assets | 77.1330% | 941 |
| Net loans and leases to deposits | 90.7151% | 1,199 |
| Net loans and leases to core deposits | 96.1228% | 1,447 |
| Total domestic deposits to total assets | 85.0278% | 2,422 |
| Equity capital to assets | 10.1231% | 3,122 |
| Core capital (leverage) ratio | 9.2516% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,684,277,000 | 550 |
| Average earning assets | $1,566,439,750 | 542 |
| Average equity | $184,450,250 | 537 |
| Average total loans | $1,323,743,500 | 495 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,306 |
| Cost of funding earning assets | 0.7843% | 1,904 |
| Net interest margin | 3.2218% | 3,604 |
| Noninterest income to average assets | 0.4831% | 2,636 |
| Noninterest expense to average assets | 2.2560% | 3,638 |
| Loan and lease loss provision to assets | 0.1987% | 2,059 |
| Net operating income to assets | 0.8237% | 2,965 |
| Return on assets (ROA) | 0.8237% | 3,079 |
| Pretax return on assets | 1.0189% | 2,975 |
| Return on Equity (ROE) | 7.3089% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.3089% | 1,534 |
| Net charge-offs to loans | 0.0063% | 2,742 |
| Credit loss provision to net charge-offs | 4,030.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 246.9750% | 378 |
| Efficiency ratio | 64.5685% | 2,735 |
| Assets per employee ($millions) | 9.8604% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 4,273 |
| Loan loss allowance to noncurrent loans | 138.6735% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 2,410 |
| Noncurrent loans to loans | 0.5950% | 2,369 |
| Net loans and leases to total assets | 79.5395% | 647 |
| Net loans and leases to deposits | 94.3508% | 927 |
| Net loans and leases to core deposits | 98.8310% | 1,345 |
| Total domestic deposits to total assets | 84.3019% | 2,637 |
| Equity capital to assets | 10.4460% | 2,793 |
| Core capital (leverage) ratio | 9.6944% | 3,134 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,622,772,333 | 557 |
| Average earning assets | $1,506,220,333 | 552 |
| Average equity | $182,873,667 | 542 |
| Average total loans | $1,279,984,000 | 504 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1846% | 3,270 |
| Cost of funding earning assets | 0.9329% | 1,726 |
| Net interest margin | 3.2518% | 3,720 |
| Noninterest income to average assets | 0.5458% | 2,302 |
| Noninterest expense to average assets | 2.4335% | 3,464 |
| Loan and lease loss provision to assets | 0.0906% | 2,552 |
| Net operating income to assets | 0.8438% | 2,739 |
| Return on assets (ROA) | 0.8438% | 2,827 |
| Pretax return on assets | 1.0437% | 2,689 |
| Return on Equity (ROE) | 7.1813% | 2,875 |
| Retained earnings to average equity (ytd only) | 7.1813% | 1,481 |
| Net charge-offs to loans | -0.0040% | 3,792 |
| Credit loss provision to net charge-offs | -2,900.0000% | 3,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8144% | 2,704 |
| Assets per employee ($millions) | 8.6592% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 4,192 |
| Loan loss allowance to noncurrent loans | 145.8824% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 2,633 |
| Noncurrent loans to loans | 0.6019% | 2,487 |
| Net loans and leases to total assets | 75.5574% | 1,376 |
| Net loans and leases to deposits | 90.7709% | 1,424 |
| Net loans and leases to core deposits | 96.0248% | 1,787 |
| Total domestic deposits to total assets | 83.2397% | 3,029 |
| Equity capital to assets | 11.5068% | 2,434 |
| Core capital (leverage) ratio | 10.7883% | 2,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,536,864,000 | 558 |
| Average earning assets | $1,428,270,000 | 553 |
| Average equity | $180,579,500 | 546 |
| Average total loans | $1,200,334,500 | 510 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4683% | 3,049 |
| Cost of funding earning assets | 1.1379% | 1,201 |
| Net interest margin | 3.3305% | 3,917 |
| Noninterest income to average assets | 0.5070% | 2,691 |
| Noninterest expense to average assets | 2.3591% | 3,808 |
| Loan and lease loss provision to assets | 0.0495% | 3,030 |
| Net operating income to assets | 0.9608% | 2,980 |
| Return on assets (ROA) | 0.9605% | 3,064 |
| Pretax return on assets | 1.1889% | 2,876 |
| Return on Equity (ROE) | 8.3929% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.3929% | 861 |
| Net charge-offs to loans | 0.0751% | 2,020 |
| Credit loss provision to net charge-offs | 83.4091% | 2,752 |
| Earnings coverage of net charge-offs (x) | 20.8625% | 1,914 |
| Efficiency ratio | 65.0469% | 2,927 |
| Assets per employee ($millions) | 8.1792% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 4,091 |
| Loan loss allowance to noncurrent loans | 138.7744% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 2,413 |
| Noncurrent loans to loans | 0.6260% | 2,323 |
| Net loans and leases to total assets | 79.4260% | 866 |
| Net loans and leases to deposits | 96.4647% | 893 |
| Net loans and leases to core deposits | 102.3428% | 1,380 |
| Total domestic deposits to total assets | 82.3369% | 3,410 |
| Equity capital to assets | 12.0114% | 2,125 |
| Core capital (leverage) ratio | 10.6449% | 2,815 |
| Tier 1 risk-based capital ratio | 13.5459% | 3,493 |
| Total risk-based capital ratio | 14.4283% | 3,582 |
| Memoranda: | ||
| Average total assets | $1,481,990,400 | 558 |
| Average earning assets | $1,375,398,200 | 551 |
| Average equity | $169,607,800 | 541 |
| Average total loans | $1,171,064,000 | 500 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4920% | 3,082 |
| Cost of funding earning assets | 1.1423% | 1,203 |
| Net interest margin | 3.3497% | 3,988 |
| Noninterest income to average assets | 0.4878% | 2,809 |
| Noninterest expense to average assets | 2.3529% | 3,816 |
| Loan and lease loss provision to assets | 0.0674% | 2,539 |
| Net operating income to assets | 0.9497% | 3,167 |
| Return on assets (ROA) | 0.9497% | 3,241 |
| Pretax return on assets | 1.1739% | 3,062 |
| Return on Equity (ROE) | 8.4022% | 3,155 |
| Retained earnings to average equity (ytd only) | 8.4022% | 1,242 |
| Net charge-offs to loans | 0.0729% | 1,782 |
| Credit loss provision to net charge-offs | 117.3981% | 1,991 |
| Earnings coverage of net charge-offs (x) | 21.6315% | 1,903 |
| Efficiency ratio | 64.9408% | 2,876 |
| Assets per employee ($millions) | 8.3451% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 4,056 |
| Loan loss allowance to noncurrent loans | 104.3783% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6901% | 1,971 |
| Noncurrent loans to loans | 0.8594% | 1,866 |
| Net loans and leases to total assets | 78.1075% | 1,122 |
| Net loans and leases to deposits | 94.6608% | 1,159 |
| Net loans and leases to core deposits | 100.5668% | 1,619 |
| Total domestic deposits to total assets | 82.5130% | 3,310 |
| Equity capital to assets | 11.6481% | 2,564 |
| Core capital (leverage) ratio | 10.2527% | 3,364 |
| Tier 1 risk-based capital ratio | 13.4242% | 3,619 |
| Total risk-based capital ratio | 14.3423% | 3,706 |
| Memoranda: | ||
| Average total assets | $1,482,377,750 | 558 |
| Average earning assets | $1,374,729,500 | 554 |
| Average equity | $167,554,250 | 547 |
| Average total loans | $1,167,290,250 | 503 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4641% | 3,130 |
| Cost of funding earning assets | 1.1134% | 1,249 |
| Net interest margin | 3.3507% | 4,027 |
| Noninterest income to average assets | 0.4790% | 2,791 |
| Noninterest expense to average assets | 2.3401% | 3,893 |
| Loan and lease loss provision to assets | 0.1723% | 1,053 |
| Net operating income to assets | 0.8744% | 3,385 |
| Return on assets (ROA) | 0.8744% | 3,449 |
| Pretax return on assets | 1.0763% | 3,303 |
| Return on Equity (ROE) | 7.8159% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.8159% | 1,463 |
| Net charge-offs to loans | 0.1024% | 1,359 |
| Credit loss provision to net charge-offs | 213.7584% | 1,150 |
| Earnings coverage of net charge-offs (x) | 15.4883% | 1,984 |
| Efficiency ratio | 64.6828% | 3,022 |
| Assets per employee ($millions) | 8.1477% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 3,890 |
| Loan loss allowance to noncurrent loans | 109.0019% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 0.7091% | 1,933 |
| Noncurrent loans to loans | 0.8677% | 1,868 |
| Net loans and leases to total assets | 79.4642% | 973 |
| Net loans and leases to deposits | 97.6066% | 879 |
| Net loans and leases to core deposits | 103.6686% | 1,414 |
| Total domestic deposits to total assets | 81.4128% | 3,691 |
| Equity capital to assets | 11.5690% | 2,558 |
| Core capital (leverage) ratio | 10.3847% | 3,204 |
| Tier 1 risk-based capital ratio | 12.8822% | 3,903 |
| Total risk-based capital ratio | 13.8332% | 3,975 |
| Memoranda: | ||
| Average total assets | $1,478,581,000 | 560 |
| Average earning assets | $1,372,230,330 | 552 |
| Average equity | $165,407,000 | 554 |
| Average total loans | $1,163,951,670 | 509 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3778% | 3,310 |
| Cost of funding earning assets | 1.0541% | 1,361 |
| Net interest margin | 3.3236% | 4,105 |
| Noninterest income to average assets | 0.4661% | 2,764 |
| Noninterest expense to average assets | 2.2999% | 4,024 |
| Loan and lease loss provision to assets | 0.0528% | 2,606 |
| Net operating income to assets | 0.9735% | 2,958 |
| Return on assets (ROA) | 0.9735% | 2,999 |
| Pretax return on assets | 1.2022% | 2,793 |
| Return on Equity (ROE) | 8.8513% | 2,871 |
| Retained earnings to average equity (ytd only) | 8.8513% | 1,370 |
| Net charge-offs to loans | 0.0270% | 1,916 |
| Credit loss provision to net charge-offs | 251.2821% | 917 |
| Earnings coverage of net charge-offs (x) | 59.7179% | 918 |
| Efficiency ratio | 64.1655% | 3,212 |
| Assets per employee ($millions) | 8.6557% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 4,136 |
| Loan loss allowance to noncurrent loans | 99.8300% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 1,894 |
| Noncurrent loans to loans | 0.9054% | 1,846 |
| Net loans and leases to total assets | 75.2006% | 1,610 |
| Net loans and leases to deposits | 90.0651% | 1,616 |
| Net loans and leases to core deposits | 94.8038% | 2,046 |
| Total domestic deposits to total assets | 83.4958% | 3,220 |
| Equity capital to assets | 10.7541% | 3,098 |
| Core capital (leverage) ratio | 10.2849% | 3,292 |
| Tier 1 risk-based capital ratio | 12.7865% | 3,988 |
| Total risk-based capital ratio | 13.7044% | 4,064 |
| Memoranda: | ||
| Average total assets | $1,484,578,500 | 559 |
| Average earning assets | $1,379,699,000 | 548 |
| Average equity | $163,275,500 | 558 |
| Average total loans | $1,157,658,000 | 513 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2654% | 3,227 |
| Cost of funding earning assets | 0.7938% | 1,549 |
| Net interest margin | 3.4716% | 3,796 |
| Noninterest income to average assets | 0.4121% | 3,365 |
| Noninterest expense to average assets | 2.3942% | 3,894 |
| Loan and lease loss provision to assets | 0.1021% | 2,150 |
| Net operating income to assets | 0.9111% | 3,400 |
| Return on assets (ROA) | 0.9111% | 3,389 |
| Pretax return on assets | 1.1223% | 3,197 |
| Return on Equity (ROE) | 8.2198% | 3,347 |
| Retained earnings to average equity (ytd only) | 7.9616% | 1,251 |
| Net charge-offs to loans | 0.0437% | 2,545 |
| Credit loss provision to net charge-offs | 296.0581% | 1,039 |
| Earnings coverage of net charge-offs (x) | 35.5021% | 1,435 |
| Efficiency ratio | 65.4862% | 2,953 |
| Assets per employee ($millions) | 7.8057% | 703 |
| Cash dividends to net income (ytd only)* | 3.1412% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 4,104 |
| Loan loss allowance to noncurrent loans | 133.9229% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.5596% | 2,371 |
| Noncurrent loans to loans | 0.6808% | 2,290 |
| Net loans and leases to total assets | 79.5042% | 1,019 |
| Net loans and leases to deposits | 101.8581% | 604 |
| Net loans and leases to core deposits | 107.0375% | 1,191 |
| Total domestic deposits to total assets | 78.0538% | 4,484 |
| Equity capital to assets | 11.2613% | 2,463 |
| Core capital (leverage) ratio | 10.4681% | 3,065 |
| Tier 1 risk-based capital ratio | 12.6361% | 4,052 |
| Total risk-based capital ratio | 13.5566% | 4,115 |
| Memoranda: | ||
| Average total assets | $1,397,620,800 | 567 |
| Average earning assets | $1,290,882,400 | 563 |
| Average equity | $154,918,600 | 558 |
| Average total loans | $1,102,461,000 | 518 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2117% | 3,279 |
| Cost of funding earning assets | 0.7335% | 1,661 |
| Net interest margin | 3.4782% | 3,768 |
| Noninterest income to average assets | 0.4922% | 2,916 |
| Noninterest expense to average assets | 2.3877% | 3,880 |
| Loan and lease loss provision to assets | 0.1227% | 1,641 |
| Net operating income to assets | 0.9705% | 3,215 |
| Return on assets (ROA) | 0.9706% | 3,230 |
| Pretax return on assets | 1.1928% | 3,011 |
| Return on Equity (ROE) | 8.7923% | 3,194 |
| Retained earnings to average equity (ytd only) | 8.7923% | 1,310 |
| Net charge-offs to loans | 0.0551% | 2,034 |
| Credit loss provision to net charge-offs | 283.5920% | 1,067 |
| Earnings coverage of net charge-offs (x) | 30.4057% | 1,594 |
| Efficiency ratio | 63.8120% | 3,214 |
| Assets per employee ($millions) | 7.6660% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9242% | 4,166 |
| Loan loss allowance to noncurrent loans | 132.8320% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 2,488 |
| Noncurrent loans to loans | 0.6957% | 2,338 |
| Net loans and leases to total assets | 78.9621% | 1,175 |
| Net loans and leases to deposits | 102.9465% | 607 |
| Net loans and leases to core deposits | 106.0536% | 1,305 |
| Total domestic deposits to total assets | 76.7021% | 4,688 |
| Equity capital to assets | 11.2205% | 2,456 |
| Core capital (leverage) ratio | 10.4011% | 3,188 |
| Tier 1 risk-based capital ratio | 12.5804% | 4,166 |
| Total risk-based capital ratio | 13.4988% | 4,239 |
| Memoranda: | ||
| Average total assets | $1,389,916,750 | 568 |
| Average earning assets | $1,283,113,750 | 564 |
| Average equity | $153,433,250 | 555 |
| Average total loans | $1,091,547,000 | 516 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,312 |
| Cost of funding earning assets | 0.6972% | 1,634 |
| Net interest margin | 3.4434% | 3,823 |
| Noninterest income to average assets | 0.4991% | 2,873 |
| Noninterest expense to average assets | 2.3809% | 3,944 |
| Loan and lease loss provision to assets | 0.0605% | 2,693 |
| Net operating income to assets | 1.0052% | 2,993 |
| Return on assets (ROA) | 1.0053% | 2,994 |
| Pretax return on assets | 1.2354% | 2,787 |
| Return on Equity (ROE) | 9.1580% | 2,949 |
| Retained earnings to average equity (ytd only) | 9.1580% | 1,163 |
| Net charge-offs to loans | 0.0717% | 1,621 |
| Credit loss provision to net charge-offs | 107.9897% | 1,916 |
| Earnings coverage of net charge-offs (x) | 23.1366% | 1,719 |
| Efficiency ratio | 64.0821% | 3,310 |
| Assets per employee ($millions) | 7.7133% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,493 |
| Loan loss allowance to noncurrent loans | 118.7843% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 2,433 |
| Noncurrent loans to loans | 0.7291% | 2,283 |
| Net loans and leases to total assets | 78.1846% | 1,281 |
| Net loans and leases to deposits | 105.0398% | 480 |
| Net loans and leases to core deposits | 108.1616% | 1,107 |
| Total domestic deposits to total assets | 74.4333% | 5,009 |
| Equity capital to assets | 11.0897% | 2,548 |
| Core capital (leverage) ratio | 10.2770% | 3,259 |
| Tier 1 risk-based capital ratio | 12.4476% | 4,219 |
| Total risk-based capital ratio | 13.3066% | 4,335 |
| Memoranda: | ||
| Average total assets | $1,385,595,330 | 570 |
| Average earning assets | $1,278,615,330 | 565 |
| Average equity | $152,107,670 | 556 |
| Average total loans | $1,082,703,670 | 519 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,482 |
| Cost of funding earning assets | 0.6400% | 1,780 |
| Net interest margin | 3.3962% | 3,898 |
| Noninterest income to average assets | 0.4518% | 3,097 |
| Noninterest expense to average assets | 2.3562% | 4,054 |
| Loan and lease loss provision to assets | 0.0667% | 2,440 |
| Net operating income to assets | 0.9551% | 3,051 |
| Return on assets (ROA) | 0.9551% | 3,069 |
| Pretax return on assets | 1.1704% | 2,890 |
| Return on Equity (ROE) | 8.7456% | 3,029 |
| Retained earnings to average equity (ytd only) | 8.7456% | 1,556 |
| Net charge-offs to loans | 0.0406% | 1,723 |
| Credit loss provision to net charge-offs | 211.0092% | 1,015 |
| Earnings coverage of net charge-offs (x) | 39.1651% | 1,077 |
| Efficiency ratio | 64.8790% | 3,342 |
| Assets per employee ($millions) | 7.8068% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8874% | 4,496 |
| Loan loss allowance to noncurrent loans | 118.1539% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 2,482 |
| Noncurrent loans to loans | 0.7511% | 2,326 |
| Net loans and leases to total assets | 77.3658% | 1,330 |
| Net loans and leases to deposits | 99.0398% | 780 |
| Net loans and leases to core deposits | 104.1358% | 1,369 |
| Total domestic deposits to total assets | 78.1158% | 4,713 |
| Equity capital to assets | 10.9076% | 2,673 |
| Core capital (leverage) ratio | 9.9983% | 3,541 |
| Tier 1 risk-based capital ratio | 12.3335% | 4,357 |
| Total risk-based capital ratio | 13.2180% | 4,463 |
| Memoranda: | ||
| Average total assets | $1,380,341,500 | 579 |
| Average earning assets | $1,276,835,500 | 569 |
| Average equity | $150,750,000 | 562 |
| Average total loans | $1,073,519,000 | 529 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 2,897 |
| Cost of funding earning assets | 0.5980% | 1,607 |
| Net interest margin | 3.5488% | 3,347 |
| Noninterest income to average assets | 0.5274% | 2,833 |
| Noninterest expense to average assets | 2.4889% | 3,822 |
| Loan and lease loss provision to assets | 0.1007% | 2,211 |
| Net operating income to assets | 0.9426% | 2,483 |
| Return on assets (ROA) | 0.9425% | 2,514 |
| Pretax return on assets | 1.2103% | 2,733 |
| Return on Equity (ROE) | 8.6563% | 2,474 |
| Retained earnings to average equity (ytd only) | 8.4108% | 642 |
| Net charge-offs to loans | 0.0126% | 3,642 |
| Credit loss provision to net charge-offs | 1,022.4806% | 350 |
| Earnings coverage of net charge-offs (x) | 133.0853% | 516 |
| Efficiency ratio | 64.6790% | 3,499 |
| Assets per employee ($millions) | 7.8347% | 680 |
| Cash dividends to net income (ytd only)* | 2.8361% | 4,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8947% | 4,497 |
| Loan loss allowance to noncurrent loans | 217.0587% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 3,493 |
| Noncurrent loans to loans | 0.4122% | 3,292 |
| Net loans and leases to total assets | 76.7884% | 1,466 |
| Net loans and leases to deposits | 103.3262% | 529 |
| Net loans and leases to core deposits | 108.9977% | 1,063 |
| Total domestic deposits to total assets | 74.3164% | 5,153 |
| Equity capital to assets | 10.9350% | 2,695 |
| Core capital (leverage) ratio | 9.9135% | 3,564 |
| Tier 1 risk-based capital ratio | 12.2428% | 4,372 |
| Total risk-based capital ratio | 13.1299% | 4,492 |
| Memoranda: | ||
| Average total assets | $1,309,397,000 | 588 |
| Average earning assets | $1,207,497,000 | 584 |
| Average equity | $142,567,000 | 569 |
| Average total loans | $1,020,867,600 | 532 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1275% | 2,886 |
| Cost of funding earning assets | 0.5940% | 1,571 |
| Net interest margin | 3.5335% | 3,377 |
| Noninterest income to average assets | 0.4601% | 3,272 |
| Noninterest expense to average assets | 2.5249% | 3,650 |
| Loan and lease loss provision to assets | 0.1200% | 1,808 |
| Net operating income to assets | 0.7527% | 3,726 |
| Return on assets (ROA) | 0.7526% | 3,785 |
| Pretax return on assets | 1.0734% | 3,410 |
| Return on Equity (ROE) | 6.9201% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.5885% | 1,916 |
| Net charge-offs to loans | 0.0030% | 3,638 |
| Credit loss provision to net charge-offs | 5,065.2174% | 90 |
| Earnings coverage of net charge-offs (x) | 503.5412% | 201 |
| Efficiency ratio | 67.0546% | 3,040 |
| Assets per employee ($millions) | 7.5200% | 760 |
| Cash dividends to net income (ytd only)* | 4.7919% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,570 |
| Loan loss allowance to noncurrent loans | 207.9376% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3394% | 3,693 |
| Noncurrent loans to loans | 0.4330% | 3,409 |
| Net loans and leases to total assets | 77.3304% | 1,375 |
| Net loans and leases to deposits | 98.6222% | 856 |
| Net loans and leases to core deposits | 104.3364% | 1,364 |
| Total domestic deposits to total assets | 78.4108% | 4,643 |
| Equity capital to assets | 10.8311% | 3,031 |
| Core capital (leverage) ratio | 9.6303% | 4,009 |
| Tier 1 risk-based capital ratio | 11.8635% | 4,720 |
| Total risk-based capital ratio | 12.7542% | 4,852 |
| Memoranda: | ||
| Average total assets | $1,293,977,250 | 594 |
| Average earning assets | $1,193,211,000 | 588 |
| Average equity | $140,727,000 | 580 |
| Average total loans | $1,010,501,500 | 541 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 2,783 |
| Cost of funding earning assets | 0.5939% | 1,488 |
| Net interest margin | 3.5187% | 3,329 |
| Noninterest income to average assets | 0.4717% | 3,209 |
| Noninterest expense to average assets | 2.5751% | 3,510 |
| Loan and lease loss provision to assets | 0.1578% | 1,266 |
| Net operating income to assets | 0.6949% | 3,870 |
| Return on assets (ROA) | 0.6948% | 3,937 |
| Pretax return on assets | 0.9820% | 3,629 |
| Return on Equity (ROE) | 6.3796% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.3796% | 1,912 |
| Net charge-offs to loans | -0.0245% | 4,853 |
| Credit loss provision to net charge-offs | -825.4098% | 4,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4561% | 2,929 |
| Assets per employee ($millions) | 7.1976% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9159% | 4,574 |
| Loan loss allowance to noncurrent loans | 180.0572% | 2,433 |
| Noncurrent assets plus other real estate owned to assets | 0.4778% | 3,183 |
| Noncurrent loans to loans | 0.5087% | 3,237 |
| Net loans and leases to total assets | 77.5659% | 1,307 |
| Net loans and leases to deposits | 99.3837% | 782 |
| Net loans and leases to core deposits | 105.6052% | 1,259 |
| Total domestic deposits to total assets | 78.0469% | 4,808 |
| Equity capital to assets | 10.8743% | 2,946 |
| Core capital (leverage) ratio | 9.7395% | 3,849 |
| Tier 1 risk-based capital ratio | 11.7843% | 4,768 |
| Total risk-based capital ratio | 12.6871% | 4,893 |
| Memoranda: | ||
| Average total assets | $1,276,611,670 | 603 |
| Average earning assets | $1,176,679,330 | 597 |
| Average equity | $139,037,670 | 585 |
| Average total loans | $997,208,000 | 544 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1269% | 2,558 |
| Cost of funding earning assets | 0.5862% | 1,465 |
| Net interest margin | 3.5407% | 3,116 |
| Noninterest income to average assets | 0.4330% | 3,426 |
| Noninterest expense to average assets | 2.6159% | 3,431 |
| Loan and lease loss provision to assets | 0.1369% | 1,390 |
| Net operating income to assets | 0.6704% | 3,836 |
| Return on assets (ROA) | 0.6702% | 3,875 |
| Pretax return on assets | 0.9434% | 3,613 |
| Return on Equity (ROE) | 6.1487% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.1487% | 2,256 |
| Net charge-offs to loans | -0.1032% | 5,453 |
| Credit loss provision to net charge-offs | -169.9605% | 4,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8880% | 2,914 |
| Assets per employee ($millions) | 6.8520% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 4,748 |
| Loan loss allowance to noncurrent loans | 172.2105% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 0.4115% | 3,540 |
| Noncurrent loans to loans | 0.5240% | 3,241 |
| Net loans and leases to total assets | 77.5353% | 1,195 |
| Net loans and leases to deposits | 97.2929% | 827 |
| Net loans and leases to core deposits | 102.8833% | 1,300 |
| Total domestic deposits to total assets | 79.6927% | 4,682 |
| Equity capital to assets | 11.0261% | 2,605 |
| Core capital (leverage) ratio | 9.8727% | 3,657 |
| Tier 1 risk-based capital ratio | 11.6049% | 4,971 |
| Total risk-based capital ratio | 12.4724% | 5,088 |
| Memoranda: | ||
| Average total assets | $1,256,340,000 | 611 |
| Average earning assets | $1,157,967,500 | 611 |
| Average equity | $136,940,500 | 591 |
| Average total loans | $980,258,500 | 551 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0240% | 3,115 |
| Cost of funding earning assets | 0.5847% | 1,456 |
| Net interest margin | 3.4392% | 3,668 |
| Noninterest income to average assets | 0.4945% | 3,274 |
| Noninterest expense to average assets | 2.5602% | 3,810 |
| Loan and lease loss provision to assets | 0.1216% | 2,031 |
| Net operating income to assets | 0.7173% | 3,703 |
| Return on assets (ROA) | 0.7179% | 3,814 |
| Pretax return on assets | 0.9828% | 3,534 |
| Return on Equity (ROE) | 6.4936% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.4936% | 1,459 |
| Net charge-offs to loans | 0.0942% | 2,363 |
| Credit loss provision to net charge-offs | 166.7059% | 1,655 |
| Earnings coverage of net charge-offs (x) | 15.1271% | 2,231 |
| Efficiency ratio | 68.8048% | 3,105 |
| Assets per employee ($millions) | 6.6571% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8631% | 4,918 |
| Loan loss allowance to noncurrent loans | 175.9044% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 3,746 |
| Noncurrent loans to loans | 0.4907% | 3,399 |
| Net loans and leases to total assets | 77.1307% | 1,339 |
| Net loans and leases to deposits | 97.4024% | 874 |
| Net loans and leases to core deposits | 105.8111% | 1,141 |
| Total domestic deposits to total assets | 79.1877% | 4,753 |
| Equity capital to assets | 10.7701% | 2,848 |
| Core capital (leverage) ratio | 9.3397% | 4,297 |
| Tier 1 risk-based capital ratio | 11.1875% | 5,231 |
| Total risk-based capital ratio | 11.9956% | 5,369 |
| Memoranda: | ||
| Average total assets | $1,165,050,400 | 621 |
| Average earning assets | $1,073,637,400 | 614 |
| Average equity | $128,803,000 | 623 |
| Average total loans | $902,155,000 | 562 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,127 |
| Cost of funding earning assets | 0.5799% | 1,486 |
| Net interest margin | 3.4460% | 3,689 |
| Noninterest income to average assets | 0.4749% | 3,408 |
| Noninterest expense to average assets | 2.5236% | 3,913 |
| Loan and lease loss provision to assets | 0.0964% | 2,301 |
| Net operating income to assets | 0.7558% | 3,581 |
| Return on assets (ROA) | 0.7562% | 3,709 |
| Pretax return on assets | 1.0330% | 3,502 |
| Return on Equity (ROE) | 6.7926% | 3,670 |
| Retained earnings to average equity (ytd only) | 6.7926% | 1,727 |
| Net charge-offs to loans | 0.1088% | 1,854 |
| Credit loss provision to net charge-offs | 114.5028% | 2,168 |
| Earnings coverage of net charge-offs (x) | 13.4102% | 2,313 |
| Efficiency ratio | 68.0079% | 3,223 |
| Assets per employee ($millions) | 6.9271% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8502% | 5,038 |
| Loan loss allowance to noncurrent loans | 255.7980% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 4,412 |
| Noncurrent loans to loans | 0.3324% | 4,065 |
| Net loans and leases to total assets | 75.1149% | 1,680 |
| Net loans and leases to deposits | 94.0003% | 1,255 |
| Net loans and leases to core deposits | 105.3693% | 1,243 |
| Total domestic deposits to total assets | 79.9092% | 4,528 |
| Equity capital to assets | 10.9113% | 3,115 |
| Core capital (leverage) ratio | 9.5174% | 4,154 |
| Tier 1 risk-based capital ratio | 11.3880% | 5,165 |
| Total risk-based capital ratio | 12.1815% | 5,323 |
| Memoranda: | ||
| Average total assets | $1,146,759,250 | 629 |
| Average earning assets | $1,057,395,250 | 621 |
| Average equity | $127,664,500 | 631 |
| Average total loans | $886,854,000 | 568 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 2,938 |
| Cost of funding earning assets | 0.5734% | 1,515 |
| Net interest margin | 3.5077% | 3,464 |
| Noninterest income to average assets | 0.4791% | 3,337 |
| Noninterest expense to average assets | 2.5285% | 3,957 |
| Loan and lease loss provision to assets | 0.0748% | 2,642 |
| Net operating income to assets | 0.7884% | 3,369 |
| Return on assets (ROA) | 0.7890% | 3,509 |
| Pretax return on assets | 1.1101% | 3,162 |
| Return on Equity (ROE) | 7.0370% | 3,519 |
| Retained earnings to average equity (ytd only) | 7.0370% | 1,584 |
| Net charge-offs to loans | 0.1400% | 1,486 |
| Credit loss provision to net charge-offs | 68.6275% | 2,490 |
| Earnings coverage of net charge-offs (x) | 10.8595% | 2,301 |
| Efficiency ratio | 67.0378% | 3,531 |
| Assets per employee ($millions) | 6.4386% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 5,166 |
| Loan loss allowance to noncurrent loans | 237.0138% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 4,334 |
| Noncurrent loans to loans | 0.3540% | 4,103 |
| Net loans and leases to total assets | 77.9198% | 1,219 |
| Net loans and leases to deposits | 99.2726% | 758 |
| Net loans and leases to core deposits | 105.5761% | 1,211 |
| Total domestic deposits to total assets | 78.4907% | 4,898 |
| Equity capital to assets | 11.4386% | 2,610 |
| Core capital (leverage) ratio | 9.9908% | 3,574 |
| Tier 1 risk-based capital ratio | 11.5594% | 5,113 |
| Total risk-based capital ratio | 12.3478% | 5,284 |
| Memoranda: | ||
| Average total assets | $1,122,623,670 | 642 |
| Average earning assets | $1,034,861,670 | 638 |
| Average equity | $125,877,000 | 640 |
| Average total loans | $874,596,000 | 573 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 2,928 |
| Cost of funding earning assets | 0.5765% | 1,499 |
| Net interest margin | 3.5036% | 3,464 |
| Noninterest income to average assets | 0.5001% | 3,107 |
| Noninterest expense to average assets | 2.4549% | 4,211 |
| Loan and lease loss provision to assets | 0.0047% | 3,615 |
| Net operating income to assets | 0.8941% | 2,786 |
| Return on assets (ROA) | 0.8951% | 2,903 |
| Pretax return on assets | 1.2718% | 2,413 |
| Return on Equity (ROE) | 8.0669% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.0669% | 1,428 |
| Net charge-offs to loans | 0.0441% | 2,128 |
| Credit loss provision to net charge-offs | 13.6842% | 2,340 |
| Earnings coverage of net charge-offs (x) | 37.2737% | 1,057 |
| Efficiency ratio | 64.7456% | 4,010 |
| Assets per employee ($millions) | 6.7603% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 5,134 |
| Loan loss allowance to noncurrent loans | 201.1018% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 4,130 |
| Noncurrent loans to loans | 0.4352% | 3,883 |
| Net loans and leases to total assets | 76.4395% | 1,327 |
| Net loans and leases to deposits | 95.0378% | 1,040 |
| Net loans and leases to core deposits | 101.7180% | 1,359 |
| Total domestic deposits to total assets | 80.4307% | 4,656 |
| Equity capital to assets | 10.9966% | 2,949 |
| Core capital (leverage) ratio | 9.5812% | 4,058 |
| Tier 1 risk-based capital ratio | 11.1676% | 5,419 |
| Total risk-based capital ratio | 11.9845% | 5,555 |
| Memoranda: | ||
| Average total assets | $1,110,903,000 | 650 |
| Average earning assets | $1,024,078,000 | 644 |
| Average equity | $123,268,500 | 648 |
| Average total loans | $861,610,500 | 575 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 2,955 |
| Cost of funding earning assets | 0.5526% | 1,738 |
| Net interest margin | 3.5389% | 3,383 |
| Noninterest income to average assets | 0.6316% | 2,555 |
| Noninterest expense to average assets | 2.6548% | 3,744 |
| Loan and lease loss provision to assets | 0.0009% | 4,365 |
| Net operating income to assets | 0.8815% | 2,973 |
| Return on assets (ROA) | 0.8817% | 3,057 |
| Pretax return on assets | 1.2299% | 2,545 |
| Return on Equity (ROE) | 7.6928% | 3,138 |
| Retained earnings to average equity (ytd only) | 7.3543% | 1,145 |
| Net charge-offs to loans | -0.0276% | 5,371 |
| Credit loss provision to net charge-offs | -4.1096% | 4,925 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0603% | 3,735 |
| Assets per employee ($millions) | 6.4647% | 1,114 |
| Cash dividends to net income (ytd only)* | 4.4009% | 4,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9143% | 5,032 |
| Loan loss allowance to noncurrent loans | 269.2147% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2966% | 4,413 |
| Noncurrent loans to loans | 0.3396% | 4,246 |
| Net loans and leases to total assets | 77.3114% | 1,207 |
| Net loans and leases to deposits | 96.1870% | 984 |
| Net loans and leases to core deposits | 103.4399% | 1,261 |
| Total domestic deposits to total assets | 80.3761% | 4,647 |
| Equity capital to assets | 11.2004% | 2,632 |
| Core capital (leverage) ratio | 9.3182% | 4,448 |
| Tier 1 risk-based capital ratio | 11.5009% | 5,254 |
| Total risk-based capital ratio | 12.3702% | 5,362 |
| Memoranda: | ||
| Average total assets | $1,030,862,800 | 668 |
| Average earning assets | $947,767,000 | 668 |
| Average equity | $118,149,200 | 646 |
| Average total loans | $792,639,200 | 589 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1471% | 2,762 |
| Cost of funding earning assets | 0.5341% | 1,938 |
| Net interest margin | 3.6130% | 3,107 |
| Noninterest income to average assets | 0.6361% | 2,550 |
| Noninterest expense to average assets | 2.6140% | 3,820 |
| Loan and lease loss provision to assets | 0.0008% | 4,228 |
| Net operating income to assets | 0.9500% | 2,709 |
| Return on assets (ROA) | 0.9500% | 2,805 |
| Pretax return on assets | 1.3403% | 2,248 |
| Return on Equity (ROE) | 8.2391% | 2,948 |
| Retained earnings to average equity (ytd only) | 8.2391% | 1,144 |
| Net charge-offs to loans | -0.0334% | 5,400 |
| Credit loss provision to net charge-offs | -3.0769% | 4,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8293% | 4,097 |
| Assets per employee ($millions) | 6.8245% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 5,034 |
| Loan loss allowance to noncurrent loans | 229.9970% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 4,400 |
| Noncurrent loans to loans | 0.4075% | 4,149 |
| Net loans and leases to total assets | 75.6881% | 1,434 |
| Net loans and leases to deposits | 94.3197% | 1,169 |
| Net loans and leases to core deposits | 101.4895% | 1,412 |
| Total domestic deposits to total assets | 80.2463% | 4,686 |
| Equity capital to assets | 11.2058% | 2,796 |
| Core capital (leverage) ratio | 9.8269% | 3,868 |
| Tier 1 risk-based capital ratio | 11.7012% | 5,266 |
| Total risk-based capital ratio | 12.5954% | 5,375 |
| Memoranda: | ||
| Average total assets | $1,017,061,500 | 682 |
| Average earning assets | $934,305,250 | 683 |
| Average equity | $117,275,500 | 658 |
| Average total loans | $778,948,500 | 601 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 2,608 |
| Cost of funding earning assets | 0.5308% | 1,976 |
| Net interest margin | 3.6521% | 2,903 |
| Noninterest income to average assets | 0.6375% | 2,539 |
| Noninterest expense to average assets | 2.5690% | 4,005 |
| Loan and lease loss provision to assets | 0.0193% | 3,744 |
| Net operating income to assets | 0.9891% | 2,443 |
| Return on assets (ROA) | 0.9891% | 2,555 |
| Pretax return on assets | 1.3947% | 2,003 |
| Return on Equity (ROE) | 8.4916% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.4916% | 1,076 |
| Net charge-offs to loans | -0.0249% | 5,248 |
| Credit loss provision to net charge-offs | -101.0526% | 4,900 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2205% | 4,482 |
| Assets per employee ($millions) | 6.3554% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 5,003 |
| Loan loss allowance to noncurrent loans | 225.8641% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 4,444 |
| Noncurrent loans to loans | 0.4296% | 4,190 |
| Net loans and leases to total assets | 76.9059% | 1,236 |
| Net loans and leases to deposits | 99.3129% | 702 |
| Net loans and leases to core deposits | 107.4819% | 992 |
| Total domestic deposits to total assets | 77.4380% | 5,385 |
| Equity capital to assets | 11.5512% | 2,373 |
| Core capital (leverage) ratio | 9.9702% | 3,650 |
| Tier 1 risk-based capital ratio | 11.8955% | 5,220 |
| Total risk-based capital ratio | 12.8250% | 5,331 |
| Memoranda: | ||
| Average total assets | $996,656,330 | 699 |
| Average earning assets | $912,961,670 | 696 |
| Average equity | $116,090,670 | 666 |
| Average total loans | $763,982,000 | 610 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2213% | 2,376 |
| Cost of funding earning assets | 0.5312% | 2,003 |
| Net interest margin | 3.6901% | 2,656 |
| Noninterest income to average assets | 0.6622% | 2,350 |
| Noninterest expense to average assets | 2.5451% | 4,117 |
| Loan and lease loss provision to assets | 0.0098% | 3,594 |
| Net operating income to assets | 1.0478% | 2,042 |
| Return on assets (ROA) | 1.0478% | 2,187 |
| Pretax return on assets | 1.4871% | 1,604 |
| Return on Equity (ROE) | 8.9570% | 2,463 |
| Retained earnings to average equity (ytd only) | 8.9570% | 1,206 |
| Net charge-offs to loans | -0.1095% | 5,885 |
| Credit loss provision to net charge-offs | -11.7073% | 4,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6886% | 4,846 |
| Assets per employee ($millions) | 6.6723% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 4,907 |
| Loan loss allowance to noncurrent loans | 177.0795% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.4603% | 4,189 |
| Noncurrent loans to loans | 0.5780% | 3,848 |
| Net loans and leases to total assets | 75.8807% | 1,224 |
| Net loans and leases to deposits | 92.9996% | 1,090 |
| Net loans and leases to core deposits | 100.3565% | 1,296 |
| Total domestic deposits to total assets | 81.5924% | 4,643 |
| Equity capital to assets | 11.8038% | 2,193 |
| Core capital (leverage) ratio | 9.9176% | 3,718 |
| Tier 1 risk-based capital ratio | 12.0504% | 5,204 |
| Total risk-based capital ratio | 13.0200% | 5,295 |
| Memoranda: | ||
| Average total assets | $983,372,500 | 709 |
| Average earning assets | $900,681,000 | 703 |
| Average equity | $115,038,500 | 667 |
| Average total loans | $748,657,500 | 620 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0600% | 3,482 |
| Cost of funding earning assets | 0.5710% | 2,037 |
| Net interest margin | 3.4890% | 3,840 |
| Noninterest income to average assets | 0.5821% | 2,973 |
| Noninterest expense to average assets | 2.7182% | 3,801 |
| Loan and lease loss provision to assets | 0.0800% | 2,882 |
| Net operating income to assets | 0.7251% | 3,769 |
| Return on assets (ROA) | 0.7266% | 3,866 |
| Pretax return on assets | 0.9929% | 3,525 |
| Return on Equity (ROE) | 6.4739% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.4739% | 1,659 |
| Net charge-offs to loans | 0.0827% | 3,316 |
| Credit loss provision to net charge-offs | 134.0909% | 1,766 |
| Earnings coverage of net charge-offs (x) | 17.9432% | 1,876 |
| Efficiency ratio | 70.5409% | 3,451 |
| Assets per employee ($millions) | 6.8479% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0159% | 4,963 |
| Loan loss allowance to noncurrent loans | 148.6460% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 4,023 |
| Noncurrent loans to loans | 0.6834% | 3,634 |
| Net loans and leases to total assets | 74.8255% | 1,446 |
| Net loans and leases to deposits | 95.3760% | 951 |
| Net loans and leases to core deposits | 103.3199% | 1,165 |
| Total domestic deposits to total assets | 78.4532% | 5,358 |
| Equity capital to assets | 11.5920% | 2,353 |
| Core capital (leverage) ratio | 9.6792% | 4,002 |
| Tier 1 risk-based capital ratio | 12.0182% | 5,352 |
| Total risk-based capital ratio | 12.9923% | 5,431 |
| Memoranda: | ||
| Average total assets | $884,675,800 | 753 |
| Average earning assets | $813,145,400 | 751 |
| Average equity | $99,291,400 | 739 |
| Average total loans | $638,455,800 | 686 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9540% | 3,946 |
| Cost of funding earning assets | 0.5827% | 1,997 |
| Net interest margin | 3.3713% | 4,348 |
| Noninterest income to average assets | 0.5254% | 3,356 |
| Noninterest expense to average assets | 2.6549% | 3,996 |
| Loan and lease loss provision to assets | 0.1099% | 2,210 |
| Net operating income to assets | 0.6486% | 4,224 |
| Return on assets (ROA) | 0.6507% | 4,310 |
| Pretax return on assets | 0.8670% | 4,115 |
| Return on Equity (ROE) | 5.8521% | 4,315 |
| Retained earnings to average equity (ytd only) | 5.8521% | 2,501 |
| Net charge-offs to loans | 0.0341% | 3,801 |
| Credit loss provision to net charge-offs | 452.2293% | 630 |
| Earnings coverage of net charge-offs (x) | 40.0697% | 1,128 |
| Efficiency ratio | 72.0430% | 3,166 |
| Assets per employee ($millions) | 6.7878% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0818% | 4,830 |
| Loan loss allowance to noncurrent loans | 107.7249% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 3,462 |
| Noncurrent loans to loans | 1.0043% | 3,056 |
| Net loans and leases to total assets | 74.3518% | 1,466 |
| Net loans and leases to deposits | 92.9242% | 1,140 |
| Net loans and leases to core deposits | 101.2301% | 1,271 |
| Total domestic deposits to total assets | 80.0134% | 5,097 |
| Equity capital to assets | 11.4474% | 2,537 |
| Core capital (leverage) ratio | 9.5784% | 4,273 |
| Tier 1 risk-based capital ratio | 11.7724% | 5,627 |
| Total risk-based capital ratio | 12.7929% | 5,695 |
| Memoranda: | ||
| Average total assets | $861,034,000 | 782 |
| Average earning assets | $792,661,500 | 771 |
| Average equity | $95,735,750 | 767 |
| Average total loans | $613,009,000 | 716 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 3,503 |
| Cost of funding earning assets | 0.6071% | 1,847 |
| Net interest margin | 3.4536% | 3,969 |
| Noninterest income to average assets | 0.4961% | 3,504 |
| Noninterest expense to average assets | 2.6569% | 4,026 |
| Loan and lease loss provision to assets | 0.1421% | 1,741 |
| Net operating income to assets | 0.6640% | 4,022 |
| Return on assets (ROA) | 0.6673% | 4,108 |
| Pretax return on assets | 0.8876% | 3,929 |
| Return on Equity (ROE) | 6.0722% | 4,116 |
| Retained earnings to average equity (ytd only) | 6.0722% | 2,276 |
| Net charge-offs to loans | 0.0592% | 3,126 |
| Credit loss provision to net charge-offs | 344.7059% | 772 |
| Earnings coverage of net charge-offs (x) | 24.8647% | 1,412 |
| Efficiency ratio | 71.0474% | 3,494 |
| Assets per employee ($millions) | 6.5311% | 992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3204% | 3,752 |
| Loan loss allowance to noncurrent loans | 108.0223% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9206% | 3,247 |
| Noncurrent loans to loans | 1.2223% | 2,789 |
| Net loans and leases to total assets | 69.8839% | 2,106 |
| Net loans and leases to deposits | 86.5736% | 1,761 |
| Net loans and leases to core deposits | 96.1245% | 1,589 |
| Total domestic deposits to total assets | 80.7220% | 5,063 |
| Equity capital to assets | 11.2031% | 2,691 |
| Core capital (leverage) ratio | 10.2260% | 3,300 |
| Tier 1 risk-based capital ratio | 12.8373% | 5,015 |
| Total risk-based capital ratio | 14.0241% | 4,989 |
| Memoranda: | ||
| Average total assets | $824,492,330 | 828 |
| Average earning assets | $760,664,330 | 808 |
| Average equity | $90,609,330 | 809 |
| Average total loans | $574,147,000 | 762 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1356% | 3,150 |
| Cost of funding earning assets | 0.6155% | 1,851 |
| Net interest margin | 3.5201% | 3,600 |
| Noninterest income to average assets | 0.4701% | 3,629 |
| Noninterest expense to average assets | 2.5868% | 4,317 |
| Loan and lease loss provision to assets | 0.2696% | 772 |
| Net operating income to assets | 0.6523% | 3,944 |
| Return on assets (ROA) | 0.6589% | 3,993 |
| Pretax return on assets | 0.8759% | 3,807 |
| Return on Equity (ROE) | 6.0546% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.0546% | 2,510 |
| Net charge-offs to loans | -0.0183% | 5,312 |
| Credit loss provision to net charge-offs | -2,130.7692% | 5,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3743% | 4,117 |
| Assets per employee ($millions) | 6.5623% | 987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3827% | 3,687 |
| Loan loss allowance to noncurrent loans | 122.9241% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 3,744 |
| Noncurrent loans to loans | 1.1248% | 3,174 |
| Net loans and leases to total assets | 69.4173% | 1,991 |
| Net loans and leases to deposits | 83.7068% | 1,854 |
| Net loans and leases to core deposits | 94.2504% | 1,526 |
| Total domestic deposits to total assets | 82.9291% | 4,628 |
| Equity capital to assets | 11.1248% | 2,598 |
| Core capital (leverage) ratio | 10.2332% | 3,245 |
| Tier 1 risk-based capital ratio | 13.1370% | 4,930 |
| Total risk-based capital ratio | 14.3872% | 4,860 |
| Memoranda: | ||
| Average total assets | $822,014,500 | 833 |
| Average earning assets | $759,752,500 | 815 |
| Average equity | $89,452,000 | 821 |
| Average total loans | $567,517,000 | 773 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1858% | 3,392 |
| Cost of funding earning assets | 0.7077% | 1,762 |
| Net interest margin | 3.4781% | 3,991 |
| Noninterest income to average assets | 0.6876% | 2,614 |
| Noninterest expense to average assets | 2.5904% | 4,495 |
| Loan and lease loss provision to assets | 0.1274% | 2,716 |
| Net operating income to assets | 0.8837% | 2,860 |
| Return on assets (ROA) | 0.9021% | 2,852 |
| Pretax return on assets | 1.2595% | 2,321 |
| Return on Equity (ROE) | 8.3947% | 2,834 |
| Retained earnings to average equity (ytd only) | 8.3947% | 932 |
| Net charge-offs to loans | 0.1350% | 3,452 |
| Credit loss provision to net charge-offs | 136.5333% | 1,716 |
| Earnings coverage of net charge-offs (x) | 14.5893% | 1,929 |
| Efficiency ratio | 64.3651% | 4,838 |
| Assets per employee ($millions) | 6.9773% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3055% | 4,115 |
| Loan loss allowance to noncurrent loans | 110.4590% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 3,880 |
| Noncurrent loans to loans | 1.1819% | 3,180 |
| Net loans and leases to total assets | 66.8319% | 2,551 |
| Net loans and leases to deposits | 81.9392% | 2,185 |
| Net loans and leases to core deposits | 93.1874% | 1,660 |
| Total domestic deposits to total assets | 81.5628% | 5,017 |
| Equity capital to assets | 10.6441% | 2,983 |
| Core capital (leverage) ratio | 9.8469% | 3,778 |
| Tier 1 risk-based capital ratio | 13.1515% | 4,883 |
| Total risk-based capital ratio | 14.3427% | 4,868 |
| Memoranda: | ||
| Average total assets | $803,709,600 | 826 |
| Average earning assets | $754,284,000 | 798 |
| Average equity | $86,363,600 | 823 |
| Average total loans | $555,673,600 | 753 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 3,395 |
| Cost of funding earning assets | 0.7257% | 1,768 |
| Net interest margin | 3.4728% | 4,000 |
| Noninterest income to average assets | 0.7077% | 2,564 |
| Noninterest expense to average assets | 2.5486% | 4,560 |
| Loan and lease loss provision to assets | 0.1494% | 2,402 |
| Net operating income to assets | 0.9009% | 2,830 |
| Return on assets (ROA) | 0.9249% | 2,824 |
| Pretax return on assets | 1.3131% | 2,288 |
| Return on Equity (ROE) | 8.5859% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.5859% | 1,202 |
| Net charge-offs to loans | 0.1114% | 3,427 |
| Credit loss provision to net charge-offs | 192.8726% | 1,249 |
| Earnings coverage of net charge-offs (x) | 18.4405% | 1,681 |
| Efficiency ratio | 62.9006% | 5,001 |
| Assets per employee ($millions) | 6.6338% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3279% | 4,254 |
| Loan loss allowance to noncurrent loans | 81.9773% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 1.1885% | 3,281 |
| Noncurrent loans to loans | 1.6198% | 2,748 |
| Net loans and leases to total assets | 69.9723% | 1,973 |
| Net loans and leases to deposits | 84.9792% | 1,746 |
| Net loans and leases to core deposits | 97.6627% | 1,266 |
| Total domestic deposits to total assets | 82.3405% | 4,808 |
| Equity capital to assets | 10.9926% | 2,766 |
| Core capital (leverage) ratio | 10.0527% | 3,598 |
| Tier 1 risk-based capital ratio | 12.9103% | 5,187 |
| Total risk-based capital ratio | 14.1323% | 5,140 |
| Memoranda: | ||
| Average total assets | $797,062,500 | 839 |
| Average earning assets | $750,315,250 | 811 |
| Average equity | $85,860,000 | 834 |
| Average total loans | $554,031,000 | 759 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,223 |
| Cost of funding earning assets | 0.7405% | 1,766 |
| Net interest margin | 3.4934% | 3,806 |
| Noninterest income to average assets | 0.7492% | 2,419 |
| Noninterest expense to average assets | 2.5588% | 4,527 |
| Loan and lease loss provision to assets | 0.2348% | 1,585 |
| Net operating income to assets | 0.8807% | 2,894 |
| Return on assets (ROA) | 0.9172% | 2,847 |
| Pretax return on assets | 1.2990% | 2,305 |
| Return on Equity (ROE) | 8.5733% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.5733% | 1,264 |
| Net charge-offs to loans | 0.1391% | 2,987 |
| Credit loss provision to net charge-offs | 244.3864% | 1,031 |
| Earnings coverage of net charge-offs (x) | 15.4308% | 1,742 |
| Efficiency ratio | 62.1524% | 5,155 |
| Assets per employee ($millions) | 6.7823% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 4,120 |
| Loan loss allowance to noncurrent loans | 102.7373% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9842% | 3,795 |
| Noncurrent loans to loans | 1.3452% | 3,308 |
| Net loans and leases to total assets | 69.1050% | 2,051 |
| Net loans and leases to deposits | 83.8935% | 1,816 |
| Net loans and leases to core deposits | 97.2427% | 1,263 |
| Total domestic deposits to total assets | 82.3722% | 4,920 |
| Equity capital to assets | 10.8508% | 2,892 |
| Core capital (leverage) ratio | 9.9219% | 3,630 |
| Tier 1 risk-based capital ratio | 12.7435% | 5,333 |
| Total risk-based capital ratio | 13.9935% | 5,265 |
| Memoranda: | ||
| Average total assets | $797,397,670 | 839 |
| Average earning assets | $751,409,670 | 807 |
| Average equity | $85,311,000 | 835 |
| Average total loans | $550,536,330 | 753 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 3,049 |
| Cost of funding earning assets | 0.7579% | 1,786 |
| Net interest margin | 3.5051% | 3,671 |
| Noninterest income to average assets | 0.6842% | 2,678 |
| Noninterest expense to average assets | 2.5493% | 4,571 |
| Loan and lease loss provision to assets | 0.3084% | 1,106 |
| Net operating income to assets | 0.7944% | 3,196 |
| Return on assets (ROA) | 0.8656% | 2,975 |
| Pretax return on assets | 1.2328% | 2,458 |
| Return on Equity (ROE) | 8.1470% | 2,896 |
| Retained earnings to average equity (ytd only) | 8.1470% | 1,694 |
| Net charge-offs to loans | 0.0749% | 3,099 |
| Credit loss provision to net charge-offs | 600.9709% | 449 |
| Earnings coverage of net charge-offs (x) | 28.0485% | 996 |
| Efficiency ratio | 62.7358% | 5,193 |
| Assets per employee ($millions) | 7.3978% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3797% | 4,334 |
| Loan loss allowance to noncurrent loans | 94.3387% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 1.0278% | 3,877 |
| Noncurrent loans to loans | 1.4625% | 3,370 |
| Net loans and leases to total assets | 66.5995% | 2,267 |
| Net loans and leases to deposits | 80.0497% | 2,063 |
| Net loans and leases to core deposits | 92.4953% | 1,455 |
| Total domestic deposits to total assets | 83.1978% | 4,796 |
| Equity capital to assets | 10.5601% | 3,478 |
| Core capital (leverage) ratio | 9.3730% | 4,284 |
| Tier 1 risk-based capital ratio | 12.7724% | 5,385 |
| Total risk-based capital ratio | 14.0227% | 5,328 |
| Memoranda: | ||
| Average total assets | $802,726,000 | 835 |
| Average earning assets | $756,845,500 | 811 |
| Average equity | $85,282,500 | 849 |
| Average total loans | $550,156,500 | 758 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0169% | 5,254 |
| Cost of funding earning assets | 0.9779% | 1,480 |
| Net interest margin | 3.0390% | 5,957 |
| Noninterest income to average assets | 0.6499% | 2,987 |
| Noninterest expense to average assets | 2.6845% | 4,455 |
| Loan and lease loss provision to assets | 0.1469% | 3,767 |
| Net operating income to assets | 0.5068% | 4,657 |
| Return on assets (ROA) | 0.5110% | 4,907 |
| Pretax return on assets | 0.7375% | 4,528 |
| Return on Equity (ROE) | 5.2683% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.2683% | 2,525 |
| Net charge-offs to loans | 0.1815% | 3,923 |
| Credit loss provision to net charge-offs | 118.7661% | 2,419 |
| Earnings coverage of net charge-offs (x) | 7.0990% | 2,678 |
| Efficiency ratio | 75.3504% | 2,854 |
| Assets per employee ($millions) | 6.9447% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2829% | 4,725 |
| Loan loss allowance to noncurrent loans | 91.8139% | 3,547 |
| Noncurrent assets plus other real estate owned to assets | 1.1336% | 3,762 |
| Noncurrent loans to loans | 1.3973% | 3,508 |
| Net loans and leases to total assets | 68.6763% | 2,078 |
| Net loans and leases to deposits | 83.0172% | 1,880 |
| Net loans and leases to core deposits | 95.0956% | 1,381 |
| Total domestic deposits to total assets | 82.7253% | 4,838 |
| Equity capital to assets | 10.6899% | 3,294 |
| Core capital (leverage) ratio | 9.4353% | 4,205 |
| Tier 1 risk-based capital ratio | 12.1624% | 5,679 |
| Total risk-based capital ratio | 13.3291% | 5,698 |
| Memoranda: | ||
| Average total assets | $628,913,000 | 1,052 |
| Average earning assets | $602,798,400 | 995 |
| Average equity | $61,006,800 | 1,169 |
| Average total loans | $428,557,400 | 975 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1213% | 5,108 |
| Cost of funding earning assets | 1.0497% | 1,280 |
| Net interest margin | 3.0717% | 6,003 |
| Noninterest income to average assets | 0.6768% | 2,831 |
| Noninterest expense to average assets | 2.4995% | 5,092 |
| Loan and lease loss provision to assets | 0.2022% | 3,063 |
| Net operating income to assets | 0.6966% | 3,932 |
| Return on assets (ROA) | 0.7031% | 4,140 |
| Pretax return on assets | 0.9477% | 3,926 |
| Return on Equity (ROE) | 7.5061% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.5061% | 1,849 |
| Net charge-offs to loans | 0.2603% | 3,162 |
| Credit loss provision to net charge-offs | 114.8005% | 2,539 |
| Earnings coverage of net charge-offs (x) | 6.4788% | 2,780 |
| Efficiency ratio | 68.6570% | 3,938 |
| Assets per employee ($millions) | 6.7778% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7245% | 3,057 |
| Loan loss allowance to noncurrent loans | 111.6489% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.1100% | 4,079 |
| Noncurrent loans to loans | 1.5445% | 3,474 |
| Net loans and leases to total assets | 68.7812% | 2,156 |
| Net loans and leases to deposits | 85.6527% | 1,642 |
| Net loans and leases to core deposits | 100.0891% | 1,112 |
| Total domestic deposits to total assets | 80.3024% | 5,575 |
| Equity capital to assets | 9.8369% | 4,731 |
| Core capital (leverage) ratio | 9.2289% | 4,705 |
| Tier 1 risk-based capital ratio | 11.7827% | 6,066 |
| Total risk-based capital ratio | 13.0363% | 6,047 |
| Memoranda: | ||
| Average total assets | $588,217,000 | 1,141 |
| Average earning assets | $567,536,500 | 1,075 |
| Average equity | $55,100,500 | 1,302 |
| Average total loans | $398,003,250 | 1,056 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 5,288 |
| Cost of funding earning assets | 1.0738% | 1,341 |
| Net interest margin | 3.0359% | 6,161 |
| Noninterest income to average assets | 0.5980% | 3,268 |
| Noninterest expense to average assets | 2.3631% | 5,584 |
| Loan and lease loss provision to assets | 0.2244% | 2,836 |
| Net operating income to assets | 0.7000% | 3,870 |
| Return on assets (ROA) | 0.7000% | 4,136 |
| Pretax return on assets | 0.9431% | 3,906 |
| Return on Equity (ROE) | 7.5982% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.5982% | 1,816 |
| Net charge-offs to loans | 0.2169% | 3,277 |
| Credit loss provision to net charge-offs | 154.6729% | 1,790 |
| Earnings coverage of net charge-offs (x) | 8.0467% | 2,370 |
| Efficiency ratio | 66.9323% | 4,335 |
| Assets per employee ($millions) | 6.8785% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7792% | 2,927 |
| Loan loss allowance to noncurrent loans | 83.8294% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.4562% | 3,528 |
| Noncurrent loans to loans | 2.1224% | 2,800 |
| Net loans and leases to total assets | 66.7634% | 2,510 |
| Net loans and leases to deposits | 82.3879% | 2,066 |
| Net loans and leases to core deposits | 95.4381% | 1,481 |
| Total domestic deposits to total assets | 81.0354% | 5,455 |
| Equity capital to assets | 9.4092% | 5,183 |
| Core capital (leverage) ratio | 8.9069% | 5,035 |
| Tier 1 risk-based capital ratio | 11.6710% | 6,122 |
| Total risk-based capital ratio | 12.9272% | 6,100 |
| Memoranda: | ||
| Average total assets | $589,993,000 | 1,137 |
| Average earning assets | $569,914,000 | 1,064 |
| Average equity | $54,354,670 | 1,310 |
| Average total loans | $394,686,670 | 1,067 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 5,292 |
| Cost of funding earning assets | 1.0904% | 1,452 |
| Net interest margin | 3.0550% | 6,170 |
| Noninterest income to average assets | 0.5234% | 3,757 |
| Noninterest expense to average assets | 2.3319% | 5,686 |
| Loan and lease loss provision to assets | 0.1460% | 3,540 |
| Net operating income to assets | 0.7345% | 3,713 |
| Return on assets (ROA) | 0.7345% | 3,948 |
| Pretax return on assets | 0.9993% | 3,678 |
| Return on Equity (ROE) | 8.0593% | 3,261 |
| Retained earnings to average equity (ytd only) | 8.0593% | 1,965 |
| Net charge-offs to loans | 0.1831% | 3,008 |
| Credit loss provision to net charge-offs | 120.1117% | 1,978 |
| Earnings coverage of net charge-offs (x) | 9.4246% | 1,845 |
| Efficiency ratio | 67.0636% | 4,342 |
| Assets per employee ($millions) | 7.4385% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7984% | 2,997 |
| Loan loss allowance to noncurrent loans | 83.1163% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.4312% | 3,715 |
| Noncurrent loans to loans | 2.1638% | 2,955 |
| Net loans and leases to total assets | 63.8270% | 2,879 |
| Net loans and leases to deposits | 80.0983% | 2,191 |
| Net loans and leases to core deposits | 95.1584% | 1,362 |
| Total domestic deposits to total assets | 79.6859% | 5,925 |
| Equity capital to assets | 9.1453% | 5,299 |
| Core capital (leverage) ratio | 8.6839% | 5,324 |
| Tier 1 risk-based capital ratio | 11.9485% | 5,993 |
| Total risk-based capital ratio | 13.2053% | 5,986 |
| Memoranda: | ||
| Average total assets | $589,215,000 | 1,137 |
| Average earning assets | $569,685,000 | 1,069 |
| Average equity | $53,702,000 | 1,317 |
| Average total loans | $390,984,000 | 1,082 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 5,651 |
| Cost of funding earning assets | 1.3769% | 1,135 |
| Net interest margin | 2.9575% | 6,593 |
| Noninterest income to average assets | 0.6153% | 3,087 |
| Noninterest expense to average assets | 2.1585% | 6,367 |
| Loan and lease loss provision to assets | 0.4075% | 2,554 |
| Net operating income to assets | 0.6686% | 3,637 |
| Return on assets (ROA) | 0.7272% | 3,522 |
| Pretax return on assets | 0.9752% | 3,334 |
| Return on Equity (ROE) | 8.5039% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.5039% | 921 |
| Net charge-offs to loans | 0.4913% | 3,027 |
| Credit loss provision to net charge-offs | 128.0022% | 2,423 |
| Earnings coverage of net charge-offs (x) | 4.0977% | 3,269 |
| Efficiency ratio | 62.3313% | 5,405 |
| Assets per employee ($millions) | 7.1140% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7511% | 3,026 |
| Loan loss allowance to noncurrent loans | 88.0631% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.3849% | 3,923 |
| Noncurrent loans to loans | 1.9884% | 3,225 |
| Net loans and leases to total assets | 66.5587% | 2,672 |
| Net loans and leases to deposits | 83.6009% | 1,969 |
| Net loans and leases to core deposits | 99.2444% | 1,240 |
| Total domestic deposits to total assets | 79.6148% | 5,840 |
| Equity capital to assets | 9.0824% | 5,444 |
| Core capital (leverage) ratio | 8.5841% | 5,426 |
| Tier 1 risk-based capital ratio | 11.7581% | 5,987 |
| Total risk-based capital ratio | 13.0129% | 5,971 |
| Memoranda: | ||
| Average total assets | $575,498,000 | 1,145 |
| Average earning assets | $554,124,200 | 1,072 |
| Average equity | $49,212,800 | 1,385 |
| Average total loans | $372,876,400 | 1,137 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 5,706 |
| Cost of funding earning assets | 1.4256% | 1,126 |
| Net interest margin | 2.9448% | 6,680 |
| Noninterest income to average assets | 0.6330% | 2,973 |
| Noninterest expense to average assets | 2.1478% | 6,404 |
| Loan and lease loss provision to assets | 0.4184% | 2,373 |
| Net operating income to assets | 0.6551% | 3,847 |
| Return on assets (ROA) | 0.7448% | 3,574 |
| Pretax return on assets | 1.0224% | 3,319 |
| Return on Equity (ROE) | 8.8499% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.8499% | 1,203 |
| Net charge-offs to loans | 0.7097% | 2,141 |
| Credit loss provision to net charge-offs | 92.0716% | 3,708 |
| Earnings coverage of net charge-offs (x) | 2.8997% | 3,693 |
| Efficiency ratio | 61.9734% | 5,412 |
| Assets per employee ($millions) | 7.5537% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6314% | 3,522 |
| Loan loss allowance to noncurrent loans | 64.1297% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.6498% | 3,612 |
| Noncurrent loans to loans | 2.5440% | 2,724 |
| Net loans and leases to total assets | 62.3813% | 3,635 |
| Net loans and leases to deposits | 78.7593% | 2,852 |
| Net loans and leases to core deposits | 92.2797% | 1,972 |
| Total domestic deposits to total assets | 79.2050% | 5,945 |
| Equity capital to assets | 8.4728% | 6,320 |
| Core capital (leverage) ratio | 8.0851% | 6,302 |
| Tier 1 risk-based capital ratio | 11.6289% | 6,155 |
| Total risk-based capital ratio | 12.8819% | 6,144 |
| Memoranda: | ||
| Average total assets | $573,535,000 | 1,161 |
| Average earning assets | $551,691,750 | 1,087 |
| Average equity | $48,270,500 | 1,418 |
| Average total loans | $367,298,000 | 1,164 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 5,801 |
| Cost of funding earning assets | 1.4580% | 1,169 |
| Net interest margin | 2.9082% | 6,776 |
| Noninterest income to average assets | 0.6807% | 2,645 |
| Noninterest expense to average assets | 2.1297% | 6,537 |
| Loan and lease loss provision to assets | 0.5443% | 1,783 |
| Net operating income to assets | 0.6065% | 4,036 |
| Return on assets (ROA) | 0.6164% | 4,107 |
| Pretax return on assets | 0.8202% | 3,945 |
| Return on Equity (ROE) | 7.3414% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.3414% | 1,720 |
| Net charge-offs to loans | 0.5365% | 2,487 |
| Credit loss provision to net charge-offs | 157.8785% | 1,932 |
| Earnings coverage of net charge-offs (x) | 3.9197% | 3,017 |
| Efficiency ratio | 61.1791% | 5,704 |
| Assets per employee ($millions) | 7.8136% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 2,831 |
| Loan loss allowance to noncurrent loans | 74.2252% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.6447% | 3,709 |
| Noncurrent loans to loans | 2.4898% | 2,895 |
| Net loans and leases to total assets | 64.0123% | 3,457 |
| Net loans and leases to deposits | 84.8109% | 1,976 |
| Net loans and leases to core deposits | 97.4878% | 1,537 |
| Total domestic deposits to total assets | 75.4765% | 6,677 |
| Equity capital to assets | 8.5812% | 6,077 |
| Core capital (leverage) ratio | 8.1949% | 6,037 |
| Tier 1 risk-based capital ratio | 11.7127% | 5,997 |
| Total risk-based capital ratio | 12.9685% | 6,001 |
| Memoranda: | ||
| Average total assets | $563,280,670 | 1,192 |
| Average earning assets | $542,393,000 | 1,115 |
| Average equity | $47,293,670 | 1,433 |
| Average total loans | $361,990,330 | 1,195 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 5,972 |
| Cost of funding earning assets | 1.4751% | 1,270 |
| Net interest margin | 2.8403% | 6,847 |
| Noninterest income to average assets | 0.5433% | 3,559 |
| Noninterest expense to average assets | 2.0928% | 6,651 |
| Loan and lease loss provision to assets | 0.5383% | 1,613 |
| Net operating income to assets | 0.5023% | 4,481 |
| Return on assets (ROA) | 0.5023% | 4,564 |
| Pretax return on assets | 0.6448% | 4,513 |
| Return on Equity (ROE) | 6.0522% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.0522% | 2,609 |
| Net charge-offs to loans | 0.3352% | 2,716 |
| Credit loss provision to net charge-offs | 251.8519% | 1,237 |
| Earnings coverage of net charge-offs (x) | 5.5354% | 2,265 |
| Efficiency ratio | 63.8840% | 5,379 |
| Assets per employee ($millions) | 8.6552% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8676% | 2,794 |
| Loan loss allowance to noncurrent loans | 158.6765% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.8417% | 5,220 |
| Noncurrent loans to loans | 1.1770% | 4,726 |
| Net loans and leases to total assets | 63.0836% | 3,632 |
| Net loans and leases to deposits | 83.6626% | 2,084 |
| Net loans and leases to core deposits | 95.0124% | 1,768 |
| Total domestic deposits to total assets | 75.4024% | 6,747 |
| Equity capital to assets | 8.3525% | 6,102 |
| Core capital (leverage) ratio | 8.1006% | 6,129 |
| Tier 1 risk-based capital ratio | 11.6769% | 5,955 |
| Total risk-based capital ratio | 12.9330% | 5,945 |
| Memoranda: | ||
| Average total assets | $555,817,000 | 1,213 |
| Average earning assets | $534,726,000 | 1,146 |
| Average equity | $46,132,000 | 1,456 |
| Average total loans | $354,439,000 | 1,237 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 5,953 |
| Cost of funding earning assets | 1.6685% | 1,735 |
| Net interest margin | 2.9827% | 6,760 |
| Noninterest income to average assets | 0.4483% | 4,522 |
| Noninterest expense to average assets | 2.2626% | 6,451 |
| Loan and lease loss provision to assets | 0.5099% | 3,115 |
| Net operating income to assets | 0.4212% | 4,456 |
| Return on assets (ROA) | 0.4592% | 4,442 |
| Pretax return on assets | 0.5954% | 4,341 |
| Return on Equity (ROE) | 5.4466% | 3,864 |
| Retained earnings to average equity (ytd only) | 5.4466% | 2,148 |
| Net charge-offs to loans | 0.3563% | 4,238 |
| Credit loss provision to net charge-offs | 219.4562% | 1,369 |
| Earnings coverage of net charge-offs (x) | 4.5446% | 2,881 |
| Efficiency ratio | 68.1797% | 4,526 |
| Assets per employee ($millions) | 8.3137% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8753% | 2,629 |
| Loan loss allowance to noncurrent loans | 155.6608% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.8557% | 5,298 |
| Noncurrent loans to loans | 1.2047% | 4,716 |
| Net loans and leases to total assets | 62.0389% | 4,277 |
| Net loans and leases to deposits | 87.1473% | 1,916 |
| Net loans and leases to core deposits | 100.2452% | 1,594 |
| Total domestic deposits to total assets | 71.1885% | 7,159 |
| Equity capital to assets | 8.2442% | 6,213 |
| Core capital (leverage) ratio | 8.0567% | 6,105 |
| Tier 1 risk-based capital ratio | 11.9015% | 5,567 |
| Total risk-based capital ratio | 13.1576% | 5,543 |
| Memoranda: | ||
| Average total assets | $506,530,400 | 1,320 |
| Average earning assets | $487,452,400 | 1,263 |
| Average equity | $42,705,400 | 1,553 |
| Average total loans | $330,301,000 | 1,354 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 5,895 |
| Cost of funding earning assets | 1.6957% | 1,902 |
| Net interest margin | 3.0414% | 6,747 |
| Noninterest income to average assets | 0.4032% | 4,934 |
| Noninterest expense to average assets | 2.1975% | 6,609 |
| Loan and lease loss provision to assets | 0.5710% | 2,651 |
| Net operating income to assets | 0.4288% | 4,631 |
| Return on assets (ROA) | 0.4794% | 4,603 |
| Pretax return on assets | 0.6296% | 4,485 |
| Return on Equity (ROE) | 5.6527% | 3,980 |
| Retained earnings to average equity (ytd only) | 5.6527% | 2,565 |
| Net charge-offs to loans | 0.4548% | 3,476 |
| Credit loss provision to net charge-offs | 190.9579% | 1,881 |
| Earnings coverage of net charge-offs (x) | 3.7923% | 3,296 |
| Efficiency ratio | 65.9622% | 4,866 |
| Assets per employee ($millions) | 7.9109% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7577% | 2,946 |
| Loan loss allowance to noncurrent loans | 135.7933% | 2,084 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 5,140 |
| Noncurrent loans to loans | 1.2944% | 4,691 |
| Net loans and leases to total assets | 65.4028% | 3,819 |
| Net loans and leases to deposits | 90.6793% | 1,628 |
| Net loans and leases to core deposits | 105.9105% | 1,336 |
| Total domestic deposits to total assets | 72.1253% | 7,116 |
| Equity capital to assets | 8.7538% | 5,929 |
| Core capital (leverage) ratio | 8.3797% | 5,737 |
| Tier 1 risk-based capital ratio | 12.0632% | 5,403 |
| Total risk-based capital ratio | 13.3186% | 5,371 |
| Memoranda: | ||
| Average total assets | $498,065,000 | 1,363 |
| Average earning assets | $479,554,250 | 1,295 |
| Average equity | $42,244,000 | 1,568 |
| Average total loans | $327,461,250 | 1,381 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7269% | 6,053 |
| Cost of funding earning assets | 1.7133% | 2,050 |
| Net interest margin | 3.0136% | 6,799 |
| Noninterest income to average assets | 0.5127% | 4,010 |
| Noninterest expense to average assets | 2.2660% | 6,452 |
| Loan and lease loss provision to assets | 0.5919% | 2,417 |
| Net operating income to assets | 0.4221% | 4,649 |
| Return on assets (ROA) | 0.4989% | 4,483 |
| Pretax return on assets | 0.6556% | 4,381 |
| Return on Equity (ROE) | 5.9485% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.9485% | 2,356 |
| Net charge-offs to loans | 0.4372% | 3,237 |
| Credit loss provision to net charge-offs | 206.8085% | 1,879 |
| Earnings coverage of net charge-offs (x) | 4.0057% | 3,089 |
| Efficiency ratio | 66.4049% | 4,907 |
| Assets per employee ($millions) | 7.9437% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7039% | 3,060 |
| Loan loss allowance to noncurrent loans | 126.9078% | 2,195 |
| Noncurrent assets plus other real estate owned to assets | 1.1995% | 4,742 |
| Noncurrent loans to loans | 1.3426% | 4,703 |
| Net loans and leases to total assets | 66.3281% | 3,764 |
| Net loans and leases to deposits | 94.3628% | 1,229 |
| Net loans and leases to core deposits | 111.6214% | 1,054 |
| Total domestic deposits to total assets | 70.2905% | 7,309 |
| Equity capital to assets | 8.8493% | 5,669 |
| Core capital (leverage) ratio | 8.4953% | 5,415 |
| Tier 1 risk-based capital ratio | 12.2445% | 5,081 |
| Total risk-based capital ratio | 13.4996% | 5,053 |
| Memoranda: | ||
| Average total assets | $492,683,670 | 1,387 |
| Average earning assets | $474,050,670 | 1,314 |
| Average equity | $41,321,000 | 1,596 |
| Average total loans | $322,507,000 | 1,420 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8338% | 5,752 |
| Cost of funding earning assets | 1.7520% | 2,120 |
| Net interest margin | 3.0818% | 6,643 |
| Noninterest income to average assets | 0.4714% | 4,285 |
| Noninterest expense to average assets | 2.3085% | 6,351 |
| Loan and lease loss provision to assets | 0.6170% | 2,062 |
| Net operating income to assets | 0.3906% | 4,878 |
| Return on assets (ROA) | 0.4926% | 4,561 |
| Pretax return on assets | 0.6408% | 4,446 |
| Return on Equity (ROE) | 6.0445% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.0445% | 2,601 |
| Net charge-offs to loans | 0.9133% | 1,755 |
| Credit loss provision to net charge-offs | 104.8679% | 3,269 |
| Earnings coverage of net charge-offs (x) | 1.9124% | 3,584 |
| Efficiency ratio | 67.2307% | 4,874 |
| Assets per employee ($millions) | 8.2402% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 3,511 |
| Loan loss allowance to noncurrent loans | 68.5730% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.5914% | 4,112 |
| Noncurrent loans to loans | 2.3136% | 3,372 |
| Net loans and leases to total assets | 63.1830% | 4,497 |
| Net loans and leases to deposits | 86.8252% | 2,446 |
| Net loans and leases to core deposits | 103.8324% | 1,756 |
| Total domestic deposits to total assets | 72.7703% | 7,187 |
| Equity capital to assets | 8.6575% | 5,794 |
| Core capital (leverage) ratio | 8.4576% | 5,451 |
| Tier 1 risk-based capital ratio | 12.7013% | 4,557 |
| Total risk-based capital ratio | 13.9549% | 4,520 |
| Memoranda: | ||
| Average total assets | $488,797,500 | 1,434 |
| Average earning assets | $469,855,000 | 1,352 |
| Average equity | $39,838,000 | 1,686 |
| Average total loans | $314,912,000 | 1,496 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3124% | 5,118 |
| Cost of funding earning assets | 2.0828% | 2,555 |
| Net interest margin | 3.2296% | 5,994 |
| Noninterest income to average assets | 0.4896% | 4,489 |
| Noninterest expense to average assets | 2.2065% | 6,977 |
| Loan and lease loss provision to assets | 0.7197% | 2,955 |
| Net operating income to assets | 0.4661% | 3,875 |
| Return on assets (ROA) | 0.6305% | 3,275 |
| Pretax return on assets | 0.8846% | 2,972 |
| Return on Equity (ROE) | 7.6516% | 2,517 |
| Retained earnings to average equity (ytd only) | -0.8032% | 5,204 |
| Net charge-offs to loans | 0.9050% | 2,578 |
| Credit loss provision to net charge-offs | 109.6215% | 5,026 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 4,167 |
| Efficiency ratio | 61.6468% | 6,211 |
| Assets per employee ($millions) | 8.3307% | 441 |
| Cash dividends to net income (ytd only)* | 110.4972% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 3,278 |
| Loan loss allowance to noncurrent loans | 68.5350% | 3,989 |
| Noncurrent assets plus other real estate owned to assets | 1.6313% | 3,924 |
| Noncurrent loans to loans | 2.3358% | 3,252 |
| Net loans and leases to total assets | 63.6203% | 4,675 |
| Net loans and leases to deposits | 88.2221% | 2,522 |
| Net loans and leases to core deposits | 116.3467% | 2,281 |
| Total domestic deposits to total assets | 72.1138% | 7,232 |
| Equity capital to assets | 7.6311% | 6,919 |
| Core capital (leverage) ratio | 7.4875% | 6,799 |
| Tier 1 risk-based capital ratio | 11.2679% | 5,642 |
| Total risk-based capital ratio | 12.5216% | 5,592 |
| Memoranda: | ||
| Average total assets | $430,589,200 | 1,610 |
| Average earning assets | $411,944,800 | 1,541 |
| Average equity | $35,483,000 | 1,899 |
| Average total loans | $312,380,600 | 1,531 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4237% | 4,830 |
| Cost of funding earning assets | 2.1677% | 2,565 |
| Net interest margin | 3.2559% | 5,808 |
| Noninterest income to average assets | 0.5027% | 4,461 |
| Noninterest expense to average assets | 2.2013% | 6,971 |
| Loan and lease loss provision to assets | 0.5867% | 3,040 |
| Net operating income to assets | 0.5825% | 3,665 |
| Return on assets (ROA) | 0.6420% | 3,511 |
| Pretax return on assets | 0.9132% | 3,185 |
| Return on Equity (ROE) | 7.6274% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.6274% | 1,251 |
| Net charge-offs to loans | 0.5246% | 3,113 |
| Credit loss provision to net charge-offs | 149.4711% | 3,222 |
| Earnings coverage of net charge-offs (x) | 3.6045% | 3,460 |
| Efficiency ratio | 60.8726% | 6,298 |
| Assets per employee ($millions) | 7.5205% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7380% | 2,491 |
| Loan loss allowance to noncurrent loans | 101.1370% | 2,747 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 4,354 |
| Noncurrent loans to loans | 1.7185% | 4,058 |
| Net loans and leases to total assets | 69.1761% | 3,677 |
| Net loans and leases to deposits | 97.6799% | 1,359 |
| Net loans and leases to core deposits | 132.9449% | 1,270 |
| Total domestic deposits to total assets | 70.8192% | 7,348 |
| Equity capital to assets | 9.2082% | 5,153 |
| Core capital (leverage) ratio | 8.8450% | 4,901 |
| Tier 1 risk-based capital ratio | 12.4230% | 4,608 |
| Total risk-based capital ratio | 13.6786% | 4,553 |
| Memoranda: | ||
| Average total assets | $417,441,000 | 1,672 |
| Average earning assets | $399,178,250 | 1,607 |
| Average equity | $35,135,750 | 1,935 |
| Average total loans | $312,375,000 | 1,554 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 4,597 |
| Cost of funding earning assets | 2.2378% | 2,635 |
| Net interest margin | 3.2673% | 5,677 |
| Noninterest income to average assets | 0.5268% | 4,215 |
| Noninterest expense to average assets | 2.2403% | 6,948 |
| Loan and lease loss provision to assets | 0.5924% | 2,668 |
| Net operating income to assets | 0.5659% | 3,824 |
| Return on assets (ROA) | 0.6299% | 3,660 |
| Pretax return on assets | 0.9037% | 3,324 |
| Return on Equity (ROE) | 7.7407% | 2,874 |
| Retained earnings to average equity (ytd only) | 7.7407% | 1,295 |
| Net charge-offs to loans | 0.2566% | 3,909 |
| Credit loss provision to net charge-offs | 302.2333% | 1,537 |
| Earnings coverage of net charge-offs (x) | 7.1663% | 2,483 |
| Efficiency ratio | 61.4625% | 6,318 |
| Assets per employee ($millions) | 7.7761% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7673% | 2,132 |
| Loan loss allowance to noncurrent loans | 112.9124% | 2,601 |
| Noncurrent assets plus other real estate owned to assets | 1.6377% | 3,751 |
| Noncurrent loans to loans | 1.5652% | 4,150 |
| Net loans and leases to total assets | 72.0512% | 3,211 |
| Net loans and leases to deposits | 104.0088% | 916 |
| Net loans and leases to core deposits | 133.4014% | 1,349 |
| Total domestic deposits to total assets | 69.2741% | 7,531 |
| Equity capital to assets | 8.9360% | 5,405 |
| Core capital (leverage) ratio | 8.8318% | 4,895 |
| Tier 1 risk-based capital ratio | 12.1597% | 4,796 |
| Total risk-based capital ratio | 13.4162% | 4,699 |
| Memoranda: | ||
| Average total assets | $411,192,330 | 1,708 |
| Average earning assets | $392,432,000 | 1,655 |
| Average equity | $33,459,330 | 2,033 |
| Average total loans | $314,142,000 | 1,578 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6020% | 4,340 |
| Cost of funding earning assets | 2.3374% | 2,549 |
| Net interest margin | 3.2646% | 5,642 |
| Noninterest income to average assets | 0.5182% | 4,153 |
| Noninterest expense to average assets | 2.1651% | 6,969 |
| Loan and lease loss provision to assets | 0.5658% | 2,221 |
| Net operating income to assets | 0.6133% | 3,961 |
| Return on assets (ROA) | 0.7078% | 3,709 |
| Pretax return on assets | 1.0314% | 3,244 |
| Return on Equity (ROE) | 9.1763% | 2,644 |
| Retained earnings to average equity (ytd only) | 9.1763% | 1,426 |
| Net charge-offs to loans | 0.4746% | 2,263 |
| Credit loss provision to net charge-offs | 152.8150% | 2,731 |
| Earnings coverage of net charge-offs (x) | 3.9437% | 3,021 |
| Efficiency ratio | 59.7207% | 6,442 |
| Assets per employee ($millions) | 8.2606% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5736% | 2,632 |
| Loan loss allowance to noncurrent loans | 170.8637% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.1904% | 4,289 |
| Noncurrent loans to loans | 0.9210% | 5,158 |
| Net loans and leases to total assets | 73.1332% | 2,981 |
| Net loans and leases to deposits | 107.2188% | 773 |
| Net loans and leases to core deposits | 129.0022% | 1,717 |
| Total domestic deposits to total assets | 68.2093% | 7,583 |
| Equity capital to assets | 7.8378% | 7,021 |
| Core capital (leverage) ratio | 7.6493% | 6,953 |
| Tier 1 risk-based capital ratio | 10.2815% | 6,608 |
| Total risk-based capital ratio | 13.2641% | 4,836 |
| Memoranda: | ||
| Average total assets | $402,946,000 | 1,743 |
| Average earning assets | $383,503,000 | 1,699 |
| Average equity | $31,080,000 | 2,185 |
| Average total loans | $314,365,000 | 1,594 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2538% | 4,220 |
| Cost of funding earning assets | 2.8735% | 2,375 |
| Net interest margin | 3.3802% | 5,741 |
| Noninterest income to average assets | 0.6434% | 3,521 |
| Noninterest expense to average assets | 2.2770% | 6,767 |
| Loan and lease loss provision to assets | 0.4245% | 3,158 |
| Net operating income to assets | 0.8032% | 3,424 |
| Return on assets (ROA) | 0.8032% | 3,259 |
| Pretax return on assets | 1.1825% | 2,711 |
| Return on Equity (ROE) | 10.8306% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.8306% | 345 |
| Net charge-offs to loans | 0.1016% | 5,297 |
| Credit loss provision to net charge-offs | 491.1765% | 888 |
| Earnings coverage of net charge-offs (x) | 18.5948% | 1,696 |
| Efficiency ratio | 58.6242% | 6,589 |
| Assets per employee ($millions) | 7.6920% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4979% | 2,704 |
| Loan loss allowance to noncurrent loans | 238.7178% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 5,137 |
| Noncurrent loans to loans | 0.6275% | 5,486 |
| Net loans and leases to total assets | 80.8556% | 1,478 |
| Net loans and leases to deposits | 119.8352% | 390 |
| Net loans and leases to core deposits | 154.8601% | 685 |
| Total domestic deposits to total assets | 67.4724% | 7,518 |
| Equity capital to assets | 7.5767% | 7,324 |
| Core capital (leverage) ratio | 7.4079% | 7,298 |
| Tier 1 risk-based capital ratio | 9.4408% | 7,375 |
| Total risk-based capital ratio | 12.4894% | 5,381 |
| Memoranda: | ||
| Average total assets | $354,068,200 | 1,890 |
| Average earning assets | $339,443,600 | 1,815 |
| Average equity | $26,259,000 | 2,529 |
| Average total loans | $301,052,400 | 1,601 |