Home > 1st Security Bank of Washington > Performance and Condition Ratios
1st Security Bank of Washington, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2621% | 455 |
| Cost of funding earning assets | 1.5711% | 1,772 |
| Net interest margin | 4.6910% | 481 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 3.2928% | 745 |
| Loan and lease loss provision to assets | 0.1700% | 757 |
| Net operating income to assets | 1.3303% | 1,366 |
| Return on assets (ROA) | 1.3303% | 1,333 |
| Pretax return on assets | 1.6707% | 1,118 |
| Return on Equity (ROE) | 13.0800% | 1,708 |
| Retained earnings to average equity (ytd only) | 9.9934% | 1,017 |
| Net charge-offs to loans | 0.0939% | 946 |
| Credit loss provision to net charge-offs | 258.9767% | 1,049 |
| Earnings coverage of net charge-offs (x) | 23.4583% | 1,790 |
| Efficiency ratio | 61.7939% | 2,859 |
| Assets per employee ($millions) | 5.2146% | 3,463 |
| Cash dividends to net income (ytd only)* | 23.5859% | 2,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2825% | 1,862 |
| Loan loss allowance to noncurrent loans | 288.1133% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3682% | 1,503 |
| Noncurrent loans to loans | 0.4451% | 1,665 |
| Net loans and leases to total assets | 81.6600% | 463 |
| Net loans and leases to deposits | 95.4671% | 828 |
| Net loans and leases to core deposits | 119.4847% | 640 |
| Total domestic deposits to total assets | 85.5400% | 2,150 |
| Equity capital to assets | 10.2720% | 1,858 |
| Core capital (leverage) ratio | 10.3871% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3706% | 2,113 |
| Memoranda: | ||
| Average total assets | $2,842,565,400 | 416 |
| Average earning assets | $2,669,904,600 | 401 |
| Average equity | $289,150,800 | 411 |
| Average total loans | $2,373,036,800 | 355 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 198,906.0000% | 7 |
| Cost of funding earning assets | 3,371.0000% | 4 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | 1.3116% | 1,504 |
| Pretax return on assets | 1.6563% | 1,247 |
| Return on Equity (ROE) | 12.9300% | 1,914 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.1096% | 729 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 4.1745% | 4,592 |
| Assets per employee ($millions) | 0.0895% | 4,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 2.0000% | 4,557 |
| Equity capital to assets | 12,332.0000% | 21 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $794,000 | 4,626 |
| Average earning assets | $7,293 | 4,597 |
| Average equity | $70 | 4,566 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1034% | 392 |
| Cost of funding earning assets | 1.2513% | 1,846 |
| Net interest margin | 4.8521% | 371 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 3.4315% | 582 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.3141% | 1,532 |
| Return on assets (ROA) | 1.3141% | 1,516 |
| Pretax return on assets | 1.6471% | 1,323 |
| Return on Equity (ROE) | 12.8800% | 1,927 |
| Retained earnings to average equity (ytd only) | 9.9359% | 1,414 |
| Net charge-offs to loans | 0.0913% | 715 |
| Credit loss provision to net charge-offs | 322.0339% | 828 |
| Earnings coverage of net charge-offs (x) | 24.1667% | 1,658 |
| Efficiency ratio | 62.9403% | 2,602 |
| Assets per employee ($millions) | 5.0008% | 3,601 |
| Cash dividends to net income (ytd only)* | 22.8490% | 2,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2701% | 2,070 |
| Loan loss allowance to noncurrent loans | 327.7538% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.3383% | 1,565 |
| Noncurrent loans to loans | 0.3875% | 1,762 |
| Net loans and leases to total assets | 81.2000% | 498 |
| Net loans and leases to deposits | 98.9621% | 563 |
| Net loans and leases to core deposits | 117.9186% | 572 |
| Total domestic deposits to total assets | 82.0500% | 3,220 |
| Equity capital to assets | 10.0272% | 1,844 |
| Core capital (leverage) ratio | 10.3130% | 2,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9241% | 2,322 |
| Memoranda: | ||
| Average total assets | $2,773,508,667 | 412 |
| Average earning assets | $2,604,415,667 | 397 |
| Average equity | $283,015,000 | 403 |
| Average total loans | $2,327,193,333 | 351 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0685% | 291 |
| Cost of funding earning assets | 1.1731% | 1,525 |
| Net interest margin | 4.8954% | 329 |
| Noninterest income to average assets | 0.7700% | 918 |
| Noninterest expense to average assets | 3.4683% | 564 |
| Loan and lease loss provision to assets | 0.3100% | 269 |
| Net operating income to assets | 1.2739% | 1,741 |
| Return on assets (ROA) | 1.2739% | 1,713 |
| Pretax return on assets | 1.5910% | 1,486 |
| Return on Equity (ROE) | 12.3700% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.4874% | 1,817 |
| Net charge-offs to loans | 0.0716% | 718 |
| Credit loss provision to net charge-offs | 573.2360% | 522 |
| Earnings coverage of net charge-offs (x) | 31.3285% | 1,287 |
| Efficiency ratio | 63.3170% | 2,534 |
| Assets per employee ($millions) | 4.7488% | 3,844 |
| Cash dividends to net income (ytd only)* | 23.2982% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2723% | 2,173 |
| Loan loss allowance to noncurrent loans | 344.4598% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 1,527 |
| Noncurrent loans to loans | 0.3694% | 1,825 |
| Net loans and leases to total assets | 83.4800% | 273 |
| Net loans and leases to deposits | 94.3087% | 774 |
| Net loans and leases to core deposits | 113.3489% | 603 |
| Total domestic deposits to total assets | 88.5200% | 1,728 |
| Equity capital to assets | 10.1918% | 1,725 |
| Core capital (leverage) ratio | 10.3872% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6857% | 2,506 |
| Memoranda: | ||
| Average total assets | $2,707,522,500 | 435 |
| Average earning assets | $2,545,080,500 | 419 |
| Average equity | $278,853,000 | 418 |
| Average total loans | $2,296,000,000 | 367 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 255 |
| Cost of funding earning assets | 0.5529% | 1,095 |
| Net interest margin | 4.5522% | 266 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 3.1197% | 813 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.2823% | 1,496 |
| Return on assets (ROA) | 1.2823% | 1,451 |
| Pretax return on assets | 1.6010% | 1,167 |
| Return on Equity (ROE) | 11.6300% | 2,264 |
| Retained earnings to average equity (ytd only) | 8.2556% | 1,735 |
| Net charge-offs to loans | 0.0695% | 950 |
| Credit loss provision to net charge-offs | 470.7178% | 707 |
| Earnings coverage of net charge-offs (x) | 32.2807% | 1,648 |
| Efficiency ratio | 62.1453% | 2,740 |
| Assets per employee ($millions) | 4.9018% | 3,746 |
| Cash dividends to net income (ytd only)* | 29.0146% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 2,149 |
| Loan loss allowance to noncurrent loans | 323.4947% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.3504% | 1,456 |
| Noncurrent loans to loans | 0.3865% | 1,763 |
| Net loans and leases to total assets | 84.0000% | 254 |
| Net loans and leases to deposits | 103.0377% | 335 |
| Net loans and leases to core deposits | 133.3210% | 197 |
| Total domestic deposits to total assets | 81.5200% | 3,690 |
| Equity capital to assets | 10.4127% | 1,494 |
| Core capital (leverage) ratio | 11.2764% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7010% | 2,089 |
| Memoranda: | ||
| Average total assets | $2,448,620,400 | 457 |
| Average earning assets | $2,307,114,000 | 443 |
| Average equity | $269,973,400 | 415 |
| Average total loans | $2,024,438,000 | 375 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7380% | 328 |
| Cost of funding earning assets | 0.3839% | 1,408 |
| Net interest margin | 4.3541% | 303 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 3.0746% | 823 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 1.2965% | 1,363 |
| Return on assets (ROA) | 1.2965% | 1,330 |
| Pretax return on assets | 1.6157% | 1,081 |
| Return on Equity (ROE) | 11.5800% | 2,180 |
| Retained earnings to average equity (ytd only) | 8.1661% | 1,937 |
| Net charge-offs to loans | 0.0570% | 912 |
| Credit loss provision to net charge-offs | 532.9775% | 591 |
| Earnings coverage of net charge-offs (x) | 40.0344% | 1,388 |
| Efficiency ratio | 61.5647% | 2,890 |
| Assets per employee ($millions) | 5.0131% | 3,665 |
| Cash dividends to net income (ytd only)* | 29.4984% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,332 |
| Loan loss allowance to noncurrent loans | 320.8986% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3160% | 1,680 |
| Noncurrent loans to loans | 0.3859% | 1,850 |
| Net loans and leases to total assets | 79.4700% | 574 |
| Net loans and leases to deposits | 100.3614% | 352 |
| Net loans and leases to core deposits | 123.7018% | 199 |
| Total domestic deposits to total assets | 79.1900% | 4,167 |
| Equity capital to assets | 9.9785% | 1,637 |
| Core capital (leverage) ratio | 11.5440% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7155% | 2,164 |
| Memoranda: | ||
| Average total assets | $2,402,707,250 | 463 |
| Average earning assets | $2,262,736,750 | 447 |
| Average equity | $268,944,000 | 418 |
| Average total loans | $1,970,791,500 | 379 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5911% | 316 |
| Cost of funding earning assets | 0.2870% | 1,830 |
| Net interest margin | 4.3041% | 268 |
| Noninterest income to average assets | 0.9038% | 841 |
| Noninterest expense to average assets | 3.1593% | 671 |
| Loan and lease loss provision to assets | 0.2513% | 285 |
| Net operating income to assets | 1.2493% | 1,279 |
| Return on assets (ROA) | 1.2493% | 1,265 |
| Pretax return on assets | 1.5466% | 1,051 |
| Return on Equity (ROE) | 10.7181% | 2,082 |
| Retained earnings to average equity (ytd only) | 6.9449% | 2,007 |
| Net charge-offs to loans | 0.0292% | 1,142 |
| Credit loss provision to net charge-offs | 882.5000% | 444 |
| Earnings coverage of net charge-offs (x) | 74.4750% | 969 |
| Efficiency ratio | 63.1290% | 2,897 |
| Assets per employee ($millions) | 4.4675% | 4,096 |
| Cash dividends to net income (ytd only)* | 35.2036% | 1,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,454 |
| Loan loss allowance to noncurrent loans | 374.8236% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2837% | 1,885 |
| Noncurrent loans to loans | 0.3320% | 2,143 |
| Net loans and leases to total assets | 82.5790% | 260 |
| Net loans and leases to deposits | 97.4560% | 365 |
| Net loans and leases to core deposits | 115.2714% | 257 |
| Total domestic deposits to total assets | 84.7346% | 3,542 |
| Equity capital to assets | 11.0538% | 1,183 |
| Core capital (leverage) ratio | 11.9415% | 1,173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,319,633,667 | 479 |
| Average earning assets | $2,184,518,333 | 467 |
| Average equity | $270,384,667 | 419 |
| Average total loans | $1,916,406,333 | 379 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 335 |
| Cost of funding earning assets | 0.2639% | 1,992 |
| Net interest margin | 4.2040% | 285 |
| Noninterest income to average assets | 1.0602% | 609 |
| Noninterest expense to average assets | 3.2462% | 569 |
| Loan and lease loss provision to assets | 0.1830% | 414 |
| Net operating income to assets | 1.2857% | 1,032 |
| Return on assets (ROA) | 1.2857% | 1,023 |
| Pretax return on assets | 1.5907% | 841 |
| Return on Equity (ROE) | 10.7376% | 1,714 |
| Retained earnings to average equity (ytd only) | 7.4129% | 1,761 |
| Net charge-offs to loans | 0.0562% | 741 |
| Credit loss provision to net charge-offs | 323.9544% | 648 |
| Earnings coverage of net charge-offs (x) | 38.4411% | 1,025 |
| Efficiency ratio | 64.0618% | 3,019 |
| Assets per employee ($millions) | 4.2423% | 4,283 |
| Cash dividends to net income (ytd only)* | 30.9634% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,580 |
| Loan loss allowance to noncurrent loans | 343.7546% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 1,925 |
| Noncurrent loans to loans | 0.3648% | 2,178 |
| Net loans and leases to total assets | 80.9099% | 210 |
| Net loans and leases to deposits | 94.5001% | 336 |
| Net loans and leases to core deposits | 107.8204% | 306 |
| Total domestic deposits to total assets | 85.6188% | 3,374 |
| Equity capital to assets | 11.8117% | 1,018 |
| Core capital (leverage) ratio | 12.2033% | 999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,279,933,500 | 487 |
| Average earning assets | $2,147,499,000 | 483 |
| Average equity | $272,985,000 | 421 |
| Average total loans | $1,871,576,500 | 385 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5914% | 513 |
| Cost of funding earning assets | 0.3846% | 1,649 |
| Net interest margin | 4.2068% | 481 |
| Noninterest income to average assets | 1.7203% | 388 |
| Noninterest expense to average assets | 3.4207% | 529 |
| Loan and lease loss provision to assets | 0.0227% | 2,612 |
| Net operating income to assets | 1.7684% | 545 |
| Return on assets (ROA) | 1.7684% | 572 |
| Pretax return on assets | 2.2414% | 380 |
| Return on Equity (ROE) | 15.0177% | 944 |
| Retained earnings to average equity (ytd only) | 11.2427% | 660 |
| Net charge-offs to loans | 0.0575% | 1,214 |
| Credit loss provision to net charge-offs | 48.2160% | 2,147 |
| Earnings coverage of net charge-offs (x) | 48.1321% | 1,321 |
| Efficiency ratio | 59.6218% | 3,209 |
| Assets per employee ($millions) | 4.2650% | 4,289 |
| Cash dividends to net income (ytd only)* | 25.1372% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3635% | 2,079 |
| Loan loss allowance to noncurrent loans | 440.2370% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.2547% | 2,291 |
| Noncurrent loans to loans | 0.3097% | 2,481 |
| Net loans and leases to total assets | 81.1185% | 219 |
| Net loans and leases to deposits | 95.4080% | 338 |
| Net loans and leases to core deposits | 109.4965% | 293 |
| Total domestic deposits to total assets | 85.0228% | 3,260 |
| Equity capital to assets | 12.1342% | 1,199 |
| Core capital (leverage) ratio | 12.1606% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,204,564,000 | 479 |
| Average earning assets | $2,077,573,600 | 473 |
| Average equity | $259,600,600 | 428 |
| Average total loans | $1,802,362,400 | 392 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5986% | 574 |
| Cost of funding earning assets | 0.4126% | 1,605 |
| Net interest margin | 4.1859% | 559 |
| Noninterest income to average assets | 1.8557% | 380 |
| Noninterest expense to average assets | 3.3713% | 557 |
| Loan and lease loss provision to assets | 0.0916% | 1,305 |
| Net operating income to assets | 1.8258% | 631 |
| Return on assets (ROA) | 1.8258% | 662 |
| Pretax return on assets | 2.3357% | 438 |
| Return on Equity (ROE) | 15.6294% | 1,018 |
| Retained earnings to average equity (ytd only) | 11.6539% | 908 |
| Net charge-offs to loans | 0.0559% | 1,092 |
| Credit loss provision to net charge-offs | 200.8032% | 1,203 |
| Earnings coverage of net charge-offs (x) | 53.2303% | 1,206 |
| Efficiency ratio | 57.5812% | 3,338 |
| Assets per employee ($millions) | 4.2259% | 4,314 |
| Cash dividends to net income (ytd only)* | 25.4363% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 1,721 |
| Loan loss allowance to noncurrent loans | 453.5883% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 2,441 |
| Noncurrent loans to loans | 0.3256% | 2,617 |
| Net loans and leases to total assets | 80.6524% | 260 |
| Net loans and leases to deposits | 94.9663% | 378 |
| Net loans and leases to core deposits | 110.2920% | 319 |
| Total domestic deposits to total assets | 84.9274% | 3,140 |
| Equity capital to assets | 12.1438% | 1,333 |
| Core capital (leverage) ratio | 11.9340% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,184,200,000 | 491 |
| Average earning assets | $2,057,346,500 | 480 |
| Average equity | $255,153,250 | 438 |
| Average total loans | $1,782,947,750 | 401 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5545% | 671 |
| Cost of funding earning assets | 0.4422% | 1,579 |
| Net interest margin | 4.1123% | 676 |
| Noninterest income to average assets | 2.0483% | 314 |
| Noninterest expense to average assets | 3.3226% | 598 |
| Loan and lease loss provision to assets | 0.1383% | 882 |
| Net operating income to assets | 1.9488% | 536 |
| Return on assets (ROA) | 1.9488% | 554 |
| Pretax return on assets | 2.4585% | 378 |
| Return on Equity (ROE) | 16.9115% | 796 |
| Retained earnings to average equity (ytd only) | 12.6221% | 787 |
| Net charge-offs to loans | 0.0495% | 1,132 |
| Credit loss provision to net charge-offs | 342.4658% | 833 |
| Earnings coverage of net charge-offs (x) | 64.3242% | 939 |
| Efficiency ratio | 55.5798% | 3,593 |
| Assets per employee ($millions) | 4.2558% | 4,294 |
| Cash dividends to net income (ytd only)* | 25.3642% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 1,533 |
| Loan loss allowance to noncurrent loans | 432.0114% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.2838% | 2,506 |
| Noncurrent loans to loans | 0.3513% | 2,648 |
| Net loans and leases to total assets | 79.5433% | 343 |
| Net loans and leases to deposits | 93.3521% | 482 |
| Net loans and leases to core deposits | 109.6111% | 369 |
| Total domestic deposits to total assets | 85.2079% | 3,014 |
| Equity capital to assets | 11.9361% | 1,399 |
| Core capital (leverage) ratio | 11.8712% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,169,909,333 | 488 |
| Average earning assets | $2,042,654,000 | 479 |
| Average equity | $250,054,000 | 448 |
| Average total loans | $1,769,559,667 | 402 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 752 |
| Cost of funding earning assets | 0.4818% | 1,505 |
| Net interest margin | 4.0389% | 794 |
| Noninterest income to average assets | 2.7200% | 232 |
| Noninterest expense to average assets | 3.3230% | 583 |
| Loan and lease loss provision to assets | 0.2798% | 349 |
| Net operating income to assets | 2.2693% | 375 |
| Return on assets (ROA) | 2.2693% | 404 |
| Pretax return on assets | 2.9178% | 253 |
| Return on Equity (ROE) | 20.0645% | 528 |
| Retained earnings to average equity (ytd only) | 16.2343% | 490 |
| Net charge-offs to loans | 0.0676% | 867 |
| Credit loss provision to net charge-offs | 505.0505% | 590 |
| Earnings coverage of net charge-offs (x) | 57.7104% | 839 |
| Efficiency ratio | 50.4549% | 4,152 |
| Assets per employee ($millions) | 4.2733% | 4,294 |
| Cash dividends to net income (ytd only)* | 19.0891% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,458 |
| Loan loss allowance to noncurrent loans | 295.1164% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 2,123 |
| Noncurrent loans to loans | 0.5221% | 2,291 |
| Net loans and leases to total assets | 80.4257% | 313 |
| Net loans and leases to deposits | 96.0514% | 407 |
| Net loans and leases to core deposits | 111.7386% | 368 |
| Total domestic deposits to total assets | 83.7319% | 3,513 |
| Equity capital to assets | 11.9309% | 1,319 |
| Core capital (leverage) ratio | 11.8229% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,144,094,500 | 487 |
| Average earning assets | $2,017,590,000 | 478 |
| Average equity | $242,498,500 | 454 |
| Average total loans | $1,757,179,500 | 405 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9244% | 574 |
| Cost of funding earning assets | 0.7744% | 1,324 |
| Net interest margin | 4.1500% | 712 |
| Noninterest income to average assets | 2.5992% | 233 |
| Noninterest expense to average assets | 3.2160% | 1,028 |
| Loan and lease loss provision to assets | 0.6696% | 258 |
| Net operating income to assets | 2.0439% | 245 |
| Return on assets (ROA) | 2.0561% | 254 |
| Pretax return on assets | 2.6103% | 169 |
| Return on Equity (ROE) | 18.7878% | 291 |
| Retained earnings to average equity (ytd only) | 8.9966% | 771 |
| Net charge-offs to loans | 0.0058% | 3,139 |
| Credit loss provision to net charge-offs | 14,017.2043% | 73 |
| Earnings coverage of net charge-offs (x) | 683.4086% | 171 |
| Efficiency ratio | 49.0667% | 4,581 |
| Assets per employee ($millions) | 4.1110% | 4,282 |
| Cash dividends to net income (ytd only)* | 52.1146% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5062% | 1,560 |
| Loan loss allowance to noncurrent loans | 337.2246% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3715% | 2,496 |
| Noncurrent loans to loans | 0.4466% | 2,631 |
| Net loans and leases to total assets | 80.9939% | 367 |
| Net loans and leases to deposits | 100.8160% | 340 |
| Net loans and leases to core deposits | 119.7968% | 309 |
| Total domestic deposits to total assets | 80.3383% | 3,992 |
| Equity capital to assets | 10.6710% | 2,544 |
| Core capital (leverage) ratio | 10.8587% | 1,890 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,946,926,600 | 483 |
| Average earning assets | $1,820,876,000 | 481 |
| Average equity | $213,069,400 | 482 |
| Average total loans | $1,603,866,400 | 420 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 622 |
| Cost of funding earning assets | 0.8443% | 1,284 |
| Net interest margin | 4.1399% | 827 |
| Noninterest income to average assets | 2.5940% | 226 |
| Noninterest expense to average assets | 3.1562% | 1,147 |
| Loan and lease loss provision to assets | 0.8001% | 227 |
| Net operating income to assets | 1.9721% | 317 |
| Return on assets (ROA) | 1.9887% | 330 |
| Pretax return on assets | 2.5230% | 203 |
| Return on Equity (ROE) | 18.0469% | 360 |
| Retained earnings to average equity (ytd only) | 6.4364% | 1,907 |
| Net charge-offs to loans | -0.0115% | 4,258 |
| Credit loss provision to net charge-offs | -8,470.3704% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2957% | 4,590 |
| Assets per employee ($millions) | 4.3420% | 4,004 |
| Cash dividends to net income (ytd only)* | 64.3350% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 1,599 |
| Loan loss allowance to noncurrent loans | 327.9857% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3725% | 2,661 |
| Noncurrent loans to loans | 0.4367% | 2,752 |
| Net loans and leases to total assets | 83.1003% | 352 |
| Net loans and leases to deposits | 104.3749% | 377 |
| Net loans and leases to core deposits | 123.1600% | 351 |
| Total domestic deposits to total assets | 79.6171% | 3,940 |
| Equity capital to assets | 10.5759% | 2,723 |
| Core capital (leverage) ratio | 10.6727% | 2,122 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,905,394,250 | 485 |
| Average earning assets | $1,778,591,750 | 483 |
| Average equity | $209,965,750 | 479 |
| Average total loans | $1,570,428,500 | 423 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1006% | 688 |
| Cost of funding earning assets | 0.9370% | 1,204 |
| Net interest margin | 4.1636% | 992 |
| Noninterest income to average assets | 2.1972% | 264 |
| Noninterest expense to average assets | 3.0819% | 1,396 |
| Loan and lease loss provision to assets | 0.8982% | 251 |
| Net operating income to assets | 1.6583% | 670 |
| Return on assets (ROA) | 1.6738% | 701 |
| Pretax return on assets | 2.1176% | 421 |
| Return on Equity (ROE) | 14.9668% | 711 |
| Retained earnings to average equity (ytd only) | 6.9842% | 1,669 |
| Net charge-offs to loans | 0.0051% | 2,781 |
| Credit loss provision to net charge-offs | 21,371.7949% | 51 |
| Earnings coverage of net charge-offs (x) | 712.9231% | 140 |
| Efficiency ratio | 50.0789% | 4,503 |
| Assets per employee ($millions) | 4.3279% | 3,974 |
| Cash dividends to net income (ytd only)* | 53.3351% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 1,822 |
| Loan loss allowance to noncurrent loans | 272.5719% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 2,703 |
| Noncurrent loans to loans | 0.4919% | 2,677 |
| Net loans and leases to total assets | 78.8710% | 740 |
| Net loans and leases to deposits | 97.8736% | 663 |
| Net loans and leases to core deposits | 118.6201% | 466 |
| Total domestic deposits to total assets | 80.5845% | 3,708 |
| Equity capital to assets | 10.6747% | 2,599 |
| Core capital (leverage) ratio | 10.8478% | 2,082 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,855,942,000 | 491 |
| Average earning assets | $1,729,952,000 | 492 |
| Average equity | $207,553,333 | 483 |
| Average total loans | $1,516,747,000 | 432 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3481% | 499 |
| Cost of funding earning assets | 1.0630% | 1,172 |
| Net interest margin | 4.2851% | 786 |
| Noninterest income to average assets | 1.7770% | 307 |
| Noninterest expense to average assets | 3.4181% | 1,044 |
| Loan and lease loss provision to assets | 0.8284% | 289 |
| Net operating income to assets | 1.2006% | 1,514 |
| Return on assets (ROA) | 1.2006% | 1,633 |
| Pretax return on assets | 1.5093% | 1,281 |
| Return on Equity (ROE) | 10.4669% | 1,590 |
| Retained earnings to average equity (ytd only) | -3.6718% | 4,414 |
| Net charge-offs to loans | 0.0117% | 2,164 |
| Credit loss provision to net charge-offs | 8,572.0930% | 86 |
| Earnings coverage of net charge-offs (x) | 241.9070% | 289 |
| Efficiency ratio | 58.6935% | 3,914 |
| Assets per employee ($millions) | 4.1594% | 3,708 |
| Cash dividends to net income (ytd only)* | 135.0805% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1059% | 3,174 |
| Loan loss allowance to noncurrent loans | 528.5714% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 3,780 |
| Noncurrent loans to loans | 0.2092% | 3,728 |
| Net loans and leases to total assets | 81.6941% | 471 |
| Net loans and leases to deposits | 103.2655% | 398 |
| Net loans and leases to core deposits | 122.4239% | 402 |
| Total domestic deposits to total assets | 79.1107% | 4,034 |
| Equity capital to assets | 11.0314% | 2,829 |
| Core capital (leverage) ratio | 11.2632% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,779,841,000 | 498 |
| Average earning assets | $1,652,609,500 | 494 |
| Average equity | $204,148,500 | 487 |
| Average total loans | $1,472,436,500 | 429 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8052% | 322 |
| Cost of funding earning assets | 1.2102% | 1,009 |
| Net interest margin | 4.5950% | 581 |
| Noninterest income to average assets | 1.2153% | 639 |
| Noninterest expense to average assets | 3.5533% | 901 |
| Loan and lease loss provision to assets | 0.1736% | 1,203 |
| Net operating income to assets | 1.4069% | 1,321 |
| Return on assets (ROA) | 1.4084% | 1,399 |
| Pretax return on assets | 1.7452% | 1,077 |
| Return on Equity (ROE) | 12.0489% | 1,494 |
| Retained earnings to average equity (ytd only) | 10.0196% | 484 |
| Net charge-offs to loans | 0.1449% | 1,355 |
| Credit loss provision to net charge-offs | 144.0000% | 1,787 |
| Earnings coverage of net charge-offs (x) | 15.8990% | 2,205 |
| Efficiency ratio | 64.1203% | 3,056 |
| Assets per employee ($millions) | 3.7896% | 4,155 |
| Cash dividends to net income (ytd only)* | 16.8422% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 3,831 |
| Loan loss allowance to noncurrent loans | 436.1688% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.1869% | 3,718 |
| Noncurrent loans to loans | 0.2137% | 3,694 |
| Net loans and leases to total assets | 82.0865% | 549 |
| Net loans and leases to deposits | 100.0557% | 603 |
| Net loans and leases to core deposits | 120.6332% | 462 |
| Total domestic deposits to total assets | 82.0408% | 3,503 |
| Equity capital to assets | 11.9429% | 2,170 |
| Core capital (leverage) ratio | 11.5627% | 2,066 |
| Tier 1 risk-based capital ratio | 13.6950% | 3,418 |
| Total risk-based capital ratio | 14.6398% | 3,472 |
| Memoranda: | ||
| Average total assets | $1,658,854,800 | 514 |
| Average earning assets | $1,536,062,800 | 501 |
| Average equity | $193,909,200 | 486 |
| Average total loans | $1,380,480,000 | 434 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8831% | 304 |
| Cost of funding earning assets | 1.2149% | 996 |
| Net interest margin | 4.6682% | 527 |
| Noninterest income to average assets | 1.2114% | 623 |
| Noninterest expense to average assets | 3.5624% | 885 |
| Loan and lease loss provision to assets | 0.1810% | 1,009 |
| Net operating income to assets | 1.3986% | 1,474 |
| Return on assets (ROA) | 1.4006% | 1,525 |
| Pretax return on assets | 1.7935% | 1,110 |
| Return on Equity (ROE) | 12.0499% | 1,603 |
| Retained earnings to average equity (ytd only) | 10.3244% | 676 |
| Net charge-offs to loans | 0.1767% | 955 |
| Credit loss provision to net charge-offs | 122.8949% | 1,915 |
| Earnings coverage of net charge-offs (x) | 13.3918% | 2,299 |
| Efficiency ratio | 63.5356% | 3,088 |
| Assets per employee ($millions) | 3.9577% | 3,956 |
| Cash dividends to net income (ytd only)* | 14.3196% | 3,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9087% | 4,003 |
| Loan loss allowance to noncurrent loans | 582.3449% | 870 |
| Noncurrent assets plus other real estate owned to assets | 0.1399% | 4,033 |
| Noncurrent loans to loans | 0.1560% | 3,978 |
| Net loans and leases to total assets | 82.1739% | 546 |
| Net loans and leases to deposits | 99.5269% | 678 |
| Net loans and leases to core deposits | 118.2465% | 590 |
| Total domestic deposits to total assets | 82.5645% | 3,294 |
| Equity capital to assets | 11.7922% | 2,421 |
| Core capital (leverage) ratio | 11.6308% | 2,121 |
| Tier 1 risk-based capital ratio | 13.6117% | 3,518 |
| Total risk-based capital ratio | 14.5408% | 3,595 |
| Memoranda: | ||
| Average total assets | $1,645,344,250 | 517 |
| Average earning assets | $1,523,611,000 | 505 |
| Average equity | $191,244,000 | 493 |
| Average total loans | $1,370,778,250 | 437 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9064% | 282 |
| Cost of funding earning assets | 1.2074% | 969 |
| Net interest margin | 4.6991% | 492 |
| Noninterest income to average assets | 1.1255% | 669 |
| Noninterest expense to average assets | 3.7115% | 741 |
| Loan and lease loss provision to assets | 0.2038% | 831 |
| Net operating income to assets | 1.2223% | 2,063 |
| Return on assets (ROA) | 1.2254% | 2,114 |
| Pretax return on assets | 1.5650% | 1,650 |
| Return on Equity (ROE) | 10.5960% | 2,139 |
| Retained earnings to average equity (ytd only) | 9.2383% | 976 |
| Net charge-offs to loans | 0.2457% | 689 |
| Credit loss provision to net charge-offs | 99.4012% | 2,013 |
| Earnings coverage of net charge-offs (x) | 8.6084% | 2,399 |
| Efficiency ratio | 66.9215% | 2,695 |
| Assets per employee ($millions) | 3.7971% | 4,130 |
| Cash dividends to net income (ytd only)* | 12.8131% | 3,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 4,063 |
| Loan loss allowance to noncurrent loans | 770.7058% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 4,193 |
| Noncurrent loans to loans | 0.1176% | 4,149 |
| Net loans and leases to total assets | 82.2184% | 568 |
| Net loans and leases to deposits | 100.1606% | 665 |
| Net loans and leases to core deposits | 117.0746% | 646 |
| Total domestic deposits to total assets | 82.0865% | 3,484 |
| Equity capital to assets | 11.7996% | 2,344 |
| Core capital (leverage) ratio | 11.3825% | 2,261 |
| Tier 1 risk-based capital ratio | 13.7843% | 3,435 |
| Total risk-based capital ratio | 14.7254% | 3,496 |
| Memoranda: | ||
| Average total assets | $1,629,166,670 | 519 |
| Average earning assets | $1,508,423,670 | 510 |
| Average equity | $188,410,330 | 498 |
| Average total loans | $1,359,474,670 | 443 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8779% | 270 |
| Cost of funding earning assets | 1.1826% | 949 |
| Net interest margin | 4.6953% | 498 |
| Noninterest income to average assets | 1.0074% | 792 |
| Noninterest expense to average assets | 3.4731% | 1,005 |
| Loan and lease loss provision to assets | 0.1848% | 890 |
| Net operating income to assets | 1.3223% | 1,620 |
| Return on assets (ROA) | 1.3223% | 1,661 |
| Pretax return on assets | 1.7044% | 1,196 |
| Return on Equity (ROE) | 11.5519% | 1,713 |
| Retained earnings to average equity (ytd only) | 10.5231% | 923 |
| Net charge-offs to loans | 0.3692% | 421 |
| Credit loss provision to net charge-offs | 59.8086% | 1,913 |
| Earnings coverage of net charge-offs (x) | 6.1148% | 2,217 |
| Efficiency ratio | 63.8962% | 3,252 |
| Assets per employee ($millions) | 3.8072% | 4,180 |
| Cash dividends to net income (ytd only)* | 8.9063% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 4,228 |
| Loan loss allowance to noncurrent loans | 396.6845% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 3,849 |
| Noncurrent loans to loans | 0.2226% | 3,793 |
| Net loans and leases to total assets | 81.7818% | 616 |
| Net loans and leases to deposits | 99.6307% | 664 |
| Net loans and leases to core deposits | 117.5039% | 596 |
| Total domestic deposits to total assets | 82.0850% | 3,702 |
| Equity capital to assets | 11.6138% | 2,300 |
| Core capital (leverage) ratio | 11.0135% | 2,564 |
| Tier 1 risk-based capital ratio | 13.8051% | 3,448 |
| Total risk-based capital ratio | 14.7307% | 3,521 |
| Memoranda: | ||
| Average total assets | $1,623,584,000 | 525 |
| Average earning assets | $1,505,845,000 | 514 |
| Average equity | $185,839,500 | 496 |
| Average total loans | $1,358,715,500 | 438 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4259% | 464 |
| Cost of funding earning assets | 0.8456% | 1,329 |
| Net interest margin | 4.5803% | 630 |
| Noninterest income to average assets | 2.1171% | 250 |
| Noninterest expense to average assets | 3.8559% | 639 |
| Loan and lease loss provision to assets | 0.1290% | 1,705 |
| Net operating income to assets | 2.0829% | 304 |
| Return on assets (ROA) | 2.0951% | 297 |
| Pretax return on assets | 2.4636% | 224 |
| Return on Equity (ROE) | 17.6461% | 425 |
| Retained earnings to average equity (ytd only) | 16.6327% | 75 |
| Net charge-offs to loans | -0.0053% | 4,364 |
| Credit loss provision to net charge-offs | -2,905.6604% | 4,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4718% | 3,946 |
| Assets per employee ($millions) | 3.8242% | 4,145 |
| Cash dividends to net income (ytd only)* | 5.7426% | 3,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 4,175 |
| Loan loss allowance to noncurrent loans | 296.5658% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2993% | 3,378 |
| Noncurrent loans to loans | 0.3026% | 3,469 |
| Net loans and leases to total assets | 84.1034% | 404 |
| Net loans and leases to deposits | 105.8548% | 377 |
| Net loans and leases to core deposits | 125.1018% | 415 |
| Total domestic deposits to total assets | 79.4516% | 4,222 |
| Equity capital to assets | 11.2782% | 2,438 |
| Core capital (leverage) ratio | 10.6748% | 2,861 |
| Tier 1 risk-based capital ratio | 12.6160% | 4,065 |
| Total risk-based capital ratio | 13.5235% | 4,143 |
| Memoranda: | ||
| Average total assets | $1,193,562,000 | 641 |
| Average earning assets | $1,124,972,000 | 628 |
| Average equity | $141,708,400 | 615 |
| Average total loans | $1,006,469,600 | 556 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 463 |
| Cost of funding earning assets | 0.7486% | 1,588 |
| Net interest margin | 4.6110% | 583 |
| Noninterest income to average assets | 1.7670% | 335 |
| Noninterest expense to average assets | 4.0249% | 513 |
| Loan and lease loss provision to assets | 0.1534% | 1,282 |
| Net operating income to assets | 1.5983% | 966 |
| Return on assets (ROA) | 1.6097% | 949 |
| Pretax return on assets | 1.9719% | 668 |
| Return on Equity (ROE) | 13.3090% | 1,329 |
| Retained earnings to average equity (ytd only) | 12.3380% | 436 |
| Net charge-offs to loans | -0.0057% | 4,247 |
| Credit loss provision to net charge-offs | -3,205.1282% | 4,807 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1316% | 3,015 |
| Assets per employee ($millions) | 3.4490% | 4,622 |
| Cash dividends to net income (ytd only)* | 7.2953% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,693 |
| Loan loss allowance to noncurrent loans | 554.5580% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1825% | 4,027 |
| Noncurrent loans to loans | 0.2141% | 3,942 |
| Net loans and leases to total assets | 84.2381% | 433 |
| Net loans and leases to deposits | 104.6984% | 509 |
| Net loans and leases to core deposits | 126.6922% | 399 |
| Total domestic deposits to total assets | 80.4579% | 4,005 |
| Equity capital to assets | 11.4726% | 2,281 |
| Core capital (leverage) ratio | 11.7292% | 1,987 |
| Tier 1 risk-based capital ratio | 13.9475% | 3,400 |
| Total risk-based capital ratio | 15.1976% | 3,310 |
| Memoranda: | ||
| Average total assets | $1,086,583,000 | 705 |
| Average earning assets | $1,029,623,250 | 682 |
| Average equity | $131,417,000 | 655 |
| Average total loans | $914,070,250 | 599 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2804% | 491 |
| Cost of funding earning assets | 0.6488% | 1,930 |
| Net interest margin | 4.6315% | 516 |
| Noninterest income to average assets | 1.8844% | 296 |
| Noninterest expense to average assets | 4.1487% | 446 |
| Loan and lease loss provision to assets | 0.1521% | 1,246 |
| Net operating income to assets | 1.6733% | 762 |
| Return on assets (ROA) | 1.6916% | 739 |
| Pretax return on assets | 1.9933% | 612 |
| Return on Equity (ROE) | 13.7205% | 1,151 |
| Retained earnings to average equity (ytd only) | 12.9820% | 383 |
| Net charge-offs to loans | -0.0034% | 4,029 |
| Credit loss provision to net charge-offs | -5,333.3333% | 4,761 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6767% | 3,037 |
| Assets per employee ($millions) | 3.3682% | 4,748 |
| Cash dividends to net income (ytd only)* | 5.3826% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 2,598 |
| Loan loss allowance to noncurrent loans | 1,845.4545% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 4,746 |
| Noncurrent loans to loans | 0.0661% | 4,628 |
| Net loans and leases to total assets | 82.7441% | 620 |
| Net loans and leases to deposits | 105.9417% | 437 |
| Net loans and leases to core deposits | 125.2131% | 429 |
| Total domestic deposits to total assets | 78.1034% | 4,573 |
| Equity capital to assets | 11.7795% | 2,005 |
| Core capital (leverage) ratio | 12.2308% | 1,583 |
| Tier 1 risk-based capital ratio | 14.3243% | 3,195 |
| Total risk-based capital ratio | 15.5747% | 3,118 |
| Memoranda: | ||
| Average total assets | $1,052,138,670 | 729 |
| Average earning assets | $996,860,000 | 706 |
| Average equity | $129,718,000 | 661 |
| Average total loans | $880,624,330 | 624 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2800% | 415 |
| Cost of funding earning assets | 0.5493% | 2,409 |
| Net interest margin | 4.7307% | 386 |
| Noninterest income to average assets | 1.8243% | 303 |
| Noninterest expense to average assets | 4.1077% | 461 |
| Loan and lease loss provision to assets | 0.1383% | 1,365 |
| Net operating income to assets | 1.7323% | 641 |
| Return on assets (ROA) | 1.7701% | 600 |
| Pretax return on assets | 2.1084% | 455 |
| Return on Equity (ROE) | 14.0085% | 1,015 |
| Retained earnings to average equity (ytd only) | 12.5107% | 597 |
| Net charge-offs to loans | -0.0165% | 4,459 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6293% | 3,385 |
| Assets per employee ($millions) | 3.1708% | 5,029 |
| Cash dividends to net income (ytd only)* | 10.6920% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2834% | 2,320 |
| Loan loss allowance to noncurrent loans | 1,547.3611% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0690% | 4,747 |
| Noncurrent loans to loans | 0.0829% | 4,611 |
| Net loans and leases to total assets | 82.1462% | 648 |
| Net loans and leases to deposits | 98.7526% | 807 |
| Net loans and leases to core deposits | 114.7440% | 769 |
| Total domestic deposits to total assets | 83.1838% | 3,606 |
| Equity capital to assets | 12.3947% | 1,554 |
| Core capital (leverage) ratio | 12.5825% | 1,356 |
| Tier 1 risk-based capital ratio | 14.9608% | 2,885 |
| Total risk-based capital ratio | 16.2119% | 2,814 |
| Memoranda: | ||
| Average total assets | $1,012,351,000 | 755 |
| Average earning assets | $959,765,000 | 736 |
| Average equity | $127,922,000 | 668 |
| Average total loans | $846,938,000 | 646 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1512% | 487 |
| Cost of funding earning assets | 0.4873% | 2,444 |
| Net interest margin | 4.6639% | 445 |
| Noninterest income to average assets | 2.4383% | 224 |
| Noninterest expense to average assets | 4.4800% | 320 |
| Loan and lease loss provision to assets | 0.0814% | 2,571 |
| Net operating income to assets | 1.5594% | 704 |
| Return on assets (ROA) | 1.5874% | 684 |
| Pretax return on assets | 2.3239% | 254 |
| Return on Equity (ROE) | 14.0073% | 756 |
| Retained earnings to average equity (ytd only) | 12.1745% | 172 |
| Net charge-offs to loans | 0.0273% | 3,261 |
| Credit loss provision to net charge-offs | 365.8537% | 810 |
| Earnings coverage of net charge-offs (x) | 106.2683% | 619 |
| Efficiency ratio | 64.8242% | 3,477 |
| Assets per employee ($millions) | 3.0107% | 5,192 |
| Cash dividends to net income (ytd only)* | 13.0845% | 3,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3025% | 2,206 |
| Loan loss allowance to noncurrent loans | 1,035.2262% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 4,604 |
| Noncurrent loans to loans | 0.1258% | 4,421 |
| Net loans and leases to total assets | 83.0391% | 556 |
| Net loans and leases to deposits | 97.1493% | 979 |
| Net loans and leases to core deposits | 110.0890% | 998 |
| Total domestic deposits to total assets | 85.4758% | 2,663 |
| Equity capital to assets | 12.8928% | 1,319 |
| Core capital (leverage) ratio | 12.6069% | 1,305 |
| Tier 1 risk-based capital ratio | 14.9960% | 2,860 |
| Total risk-based capital ratio | 16.2470% | 2,783 |
| Memoranda: | ||
| Average total assets | $921,511,200 | 805 |
| Average earning assets | $870,518,200 | 779 |
| Average equity | $104,431,600 | 786 |
| Average total loans | $751,178,200 | 697 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0685% | 532 |
| Cost of funding earning assets | 0.4741% | 2,486 |
| Net interest margin | 4.5944% | 490 |
| Noninterest income to average assets | 2.5762% | 221 |
| Noninterest expense to average assets | 4.5423% | 307 |
| Loan and lease loss provision to assets | 0.0662% | 2,746 |
| Net operating income to assets | 1.5531% | 800 |
| Return on assets (ROA) | 1.5905% | 753 |
| Pretax return on assets | 2.3584% | 270 |
| Return on Equity (ROE) | 14.5781% | 722 |
| Retained earnings to average equity (ytd only) | 12.6422% | 249 |
| Net charge-offs to loans | 0.0113% | 3,327 |
| Credit loss provision to net charge-offs | 725.8065% | 471 |
| Earnings coverage of net charge-offs (x) | 259.7726% | 339 |
| Efficiency ratio | 65.0868% | 3,362 |
| Assets per employee ($millions) | 3.0735% | 5,203 |
| Cash dividends to net income (ytd only)* | 13.2791% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2777% | 2,473 |
| Loan loss allowance to noncurrent loans | 838.5285% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.1273% | 4,607 |
| Noncurrent loans to loans | 0.1524% | 4,447 |
| Net loans and leases to total assets | 82.4921% | 603 |
| Net loans and leases to deposits | 96.5480% | 1,061 |
| Net loans and leases to core deposits | 114.6850% | 798 |
| Total domestic deposits to total assets | 85.4415% | 2,540 |
| Equity capital to assets | 12.4372% | 1,692 |
| Core capital (leverage) ratio | 12.4963% | 1,415 |
| Tier 1 risk-based capital ratio | 14.8893% | 2,963 |
| Total risk-based capital ratio | 16.1404% | 2,895 |
| Memoranda: | ||
| Average total assets | $906,514,750 | 824 |
| Average earning assets | $855,276,250 | 804 |
| Average equity | $98,904,000 | 836 |
| Average total loans | $732,527,250 | 720 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 592 |
| Cost of funding earning assets | 0.4564% | 2,540 |
| Net interest margin | 4.5141% | 552 |
| Noninterest income to average assets | 2.6357% | 212 |
| Noninterest expense to average assets | 4.5611% | 298 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6108% | 685 |
| Return on assets (ROA) | 1.6480% | 650 |
| Pretax return on assets | 2.3765% | 266 |
| Return on Equity (ROE) | 15.9465% | 539 |
| Retained earnings to average equity (ytd only) | 13.8366% | 193 |
| Net charge-offs to loans | 0.0194% | 2,856 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 149.8971% | 506 |
| Efficiency ratio | 65.5986% | 3,414 |
| Assets per employee ($millions) | 2.8638% | 5,385 |
| Cash dividends to net income (ytd only)* | 13.2310% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,377 |
| Loan loss allowance to noncurrent loans | 1,345.2255% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0813% | 4,872 |
| Noncurrent loans to loans | 0.0971% | 4,738 |
| Net loans and leases to total assets | 82.5952% | 597 |
| Net loans and leases to deposits | 96.6306% | 1,015 |
| Net loans and leases to core deposits | 109.4282% | 1,031 |
| Total domestic deposits to total assets | 85.4751% | 2,623 |
| Equity capital to assets | 10.1747% | 3,701 |
| Core capital (leverage) ratio | 10.1233% | 3,372 |
| Tier 1 risk-based capital ratio | 11.9744% | 4,651 |
| Total risk-based capital ratio | 13.2258% | 4,536 |
| Memoranda: | ||
| Average total assets | $877,777,000 | 863 |
| Average earning assets | $825,991,670 | 847 |
| Average equity | $90,716,000 | 903 |
| Average total loans | $700,196,000 | 744 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7743% | 794 |
| Cost of funding earning assets | 0.4438% | 2,581 |
| Net interest margin | 4.3305% | 726 |
| Noninterest income to average assets | 2.4430% | 241 |
| Noninterest expense to average assets | 4.5097% | 331 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2895% | 1,268 |
| Return on assets (ROA) | 1.2895% | 1,299 |
| Pretax return on assets | 1.9978% | 505 |
| Return on Equity (ROE) | 12.3731% | 1,143 |
| Retained earnings to average equity (ytd only) | 10.2216% | 760 |
| Net charge-offs to loans | 0.0387% | 2,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 66.5469% | 743 |
| Efficiency ratio | 68.5793% | 3,112 |
| Assets per employee ($millions) | 2.8217% | 5,474 |
| Cash dividends to net income (ytd only)* | 17.3881% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5190% | 1,630 |
| Loan loss allowance to noncurrent loans | 1,284.4304% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 4,912 |
| Noncurrent loans to loans | 0.1183% | 4,719 |
| Net loans and leases to total assets | 74.9647% | 1,582 |
| Net loans and leases to deposits | 85.5577% | 2,086 |
| Net loans and leases to core deposits | 94.1613% | 1,976 |
| Total domestic deposits to total assets | 87.6189% | 1,931 |
| Equity capital to assets | 10.2626% | 3,458 |
| Core capital (leverage) ratio | 10.3823% | 3,027 |
| Tier 1 risk-based capital ratio | 12.5206% | 4,377 |
| Total risk-based capital ratio | 13.7740% | 4,281 |
| Memoranda: | ||
| Average total assets | $852,737,000 | 890 |
| Average earning assets | $800,370,500 | 877 |
| Average equity | $88,870,500 | 920 |
| Average total loans | $662,040,000 | 793 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9689% | 633 |
| Cost of funding earning assets | 0.4694% | 2,358 |
| Net interest margin | 4.4995% | 623 |
| Noninterest income to average assets | 2.8785% | 216 |
| Noninterest expense to average assets | 4.6642% | 325 |
| Loan and lease loss provision to assets | 0.3060% | 614 |
| Net operating income to assets | 1.3892% | 1,029 |
| Return on assets (ROA) | 1.4013% | 1,028 |
| Pretax return on assets | 2.1542% | 357 |
| Return on Equity (ROE) | 13.1497% | 959 |
| Retained earnings to average equity (ytd only) | 11.4328% | 265 |
| Net charge-offs to loans | -0.0042% | 4,785 |
| Credit loss provision to net charge-offs | -9,230.7692% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7025% | 3,818 |
| Assets per employee ($millions) | 2.7056% | 5,558 |
| Cash dividends to net income (ytd only)* | 13.0561% | 3,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5564% | 1,484 |
| Loan loss allowance to noncurrent loans | 1,416.2275% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 4,987 |
| Noncurrent loans to loans | 0.1099% | 4,790 |
| Net loans and leases to total assets | 78.0107% | 1,194 |
| Net loans and leases to deposits | 89.8288% | 1,708 |
| Net loans and leases to core deposits | 100.1673% | 1,609 |
| Total domestic deposits to total assets | 86.8437% | 2,225 |
| Equity capital to assets | 10.5906% | 3,054 |
| Core capital (leverage) ratio | 10.3311% | 3,071 |
| Tier 1 risk-based capital ratio | 12.6179% | 4,312 |
| Total risk-based capital ratio | 13.8716% | 4,201 |
| Memoranda: | ||
| Average total assets | $784,320,200 | 920 |
| Average earning assets | $736,864,200 | 904 |
| Average equity | $83,583,800 | 954 |
| Average total loans | $621,373,800 | 801 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9123% | 710 |
| Cost of funding earning assets | 0.4709% | 2,358 |
| Net interest margin | 4.4414% | 715 |
| Noninterest income to average assets | 2.9982% | 209 |
| Noninterest expense to average assets | 4.6904% | 327 |
| Loan and lease loss provision to assets | 0.3103% | 539 |
| Net operating income to assets | 1.4188% | 1,032 |
| Return on assets (ROA) | 1.4351% | 1,044 |
| Pretax return on assets | 2.1982% | 387 |
| Return on Equity (ROE) | 13.4446% | 932 |
| Retained earnings to average equity (ytd only) | 11.8990% | 315 |
| Net charge-offs to loans | -0.0002% | 4,408 |
| Credit loss provision to net charge-offs | -180,000.0000% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4678% | 3,857 |
| Assets per employee ($millions) | 2.7115% | 5,599 |
| Cash dividends to net income (ytd only)* | 11.4955% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4107% | 2,153 |
| Loan loss allowance to noncurrent loans | 1,613.8047% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 5,150 |
| Noncurrent loans to loans | 0.0874% | 4,995 |
| Net loans and leases to total assets | 81.0053% | 756 |
| Net loans and leases to deposits | 94.5151% | 1,206 |
| Net loans and leases to core deposits | 105.5372% | 1,229 |
| Total domestic deposits to total assets | 85.7061% | 2,504 |
| Equity capital to assets | 10.4959% | 3,573 |
| Core capital (leverage) ratio | 10.3275% | 3,190 |
| Tier 1 risk-based capital ratio | 12.2089% | 4,670 |
| Total risk-based capital ratio | 13.4613% | 4,559 |
| Memoranda: | ||
| Average total assets | $773,419,000 | 931 |
| Average earning assets | $727,115,500 | 913 |
| Average equity | $82,559,250 | 970 |
| Average total loans | $612,697,000 | 809 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8984% | 727 |
| Cost of funding earning assets | 0.4824% | 2,247 |
| Net interest margin | 4.4160% | 737 |
| Noninterest income to average assets | 2.7418% | 228 |
| Noninterest expense to average assets | 4.5977% | 351 |
| Loan and lease loss provision to assets | 0.3176% | 546 |
| Net operating income to assets | 1.2595% | 1,394 |
| Return on assets (ROA) | 1.2595% | 1,511 |
| Pretax return on assets | 1.9776% | 596 |
| Return on Equity (ROE) | 11.7272% | 1,408 |
| Retained earnings to average equity (ytd only) | 10.5466% | 498 |
| Net charge-offs to loans | 0.0112% | 3,328 |
| Credit loss provision to net charge-offs | 3,636.3636% | 117 |
| Earnings coverage of net charge-offs (x) | 262.7576% | 260 |
| Efficiency ratio | 65.7719% | 3,713 |
| Assets per employee ($millions) | 2.6753% | 5,689 |
| Cash dividends to net income (ytd only)* | 10.0673% | 3,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 2,121 |
| Loan loss allowance to noncurrent loans | 1,443.8710% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0791% | 5,210 |
| Noncurrent loans to loans | 0.0996% | 5,054 |
| Net loans and leases to total assets | 78.3037% | 1,162 |
| Net loans and leases to deposits | 91.3880% | 1,586 |
| Net loans and leases to core deposits | 98.9890% | 1,725 |
| Total domestic deposits to total assets | 85.6827% | 2,566 |
| Equity capital to assets | 10.6893% | 3,414 |
| Core capital (leverage) ratio | 10.1425% | 3,397 |
| Tier 1 risk-based capital ratio | 12.7706% | 4,335 |
| Total risk-based capital ratio | 14.0232% | 4,242 |
| Memoranda: | ||
| Average total assets | $755,552,330 | 954 |
| Average earning assets | $710,231,330 | 940 |
| Average equity | $81,144,670 | 983 |
| Average total loans | $590,424,330 | 840 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9839% | 599 |
| Cost of funding earning assets | 0.5165% | 1,973 |
| Net interest margin | 4.4674% | 650 |
| Noninterest income to average assets | 2.2153% | 299 |
| Noninterest expense to average assets | 4.5719% | 371 |
| Loan and lease loss provision to assets | 0.3237% | 473 |
| Net operating income to assets | 0.9668% | 2,425 |
| Return on assets (ROA) | 0.9668% | 2,537 |
| Pretax return on assets | 1.5242% | 1,518 |
| Return on Equity (ROE) | 8.9800% | 2,435 |
| Retained earnings to average equity (ytd only) | 8.9800% | 1,125 |
| Net charge-offs to loans | 0.0404% | 2,193 |
| Credit loss provision to net charge-offs | 1,034.4828% | 357 |
| Earnings coverage of net charge-offs (x) | 59.0517% | 790 |
| Efficiency ratio | 70.3589% | 3,057 |
| Assets per employee ($millions) | 2.9282% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4036% | 2,402 |
| Loan loss allowance to noncurrent loans | 1,460.8772% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 5,134 |
| Noncurrent loans to loans | 0.0961% | 5,088 |
| Net loans and leases to total assets | 72.6407% | 1,930 |
| Net loans and leases to deposits | 83.0376% | 2,423 |
| Net loans and leases to core deposits | 90.6799% | 2,310 |
| Total domestic deposits to total assets | 87.4794% | 1,943 |
| Equity capital to assets | 10.0469% | 4,018 |
| Core capital (leverage) ratio | 9.8955% | 3,667 |
| Tier 1 risk-based capital ratio | 13.0395% | 4,240 |
| Total risk-based capital ratio | 14.2919% | 4,160 |
| Memoranda: | ||
| Average total assets | $741,393,500 | 973 |
| Average earning assets | $697,764,000 | 948 |
| Average equity | $79,822,000 | 996 |
| Average total loans | $574,261,000 | 858 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6406% | 218 |
| Cost of funding earning assets | 0.6368% | 1,143 |
| Net interest margin | 5.0038% | 254 |
| Noninterest income to average assets | 2.8478% | 220 |
| Noninterest expense to average assets | 4.8205% | 320 |
| Loan and lease loss provision to assets | 0.3863% | 365 |
| Net operating income to assets | 1.5165% | 837 |
| Return on assets (ROA) | 1.5250% | 855 |
| Pretax return on assets | 2.3623% | 266 |
| Return on Equity (ROE) | 13.8207% | 884 |
| Retained earnings to average equity (ytd only) | 13.8207% | 171 |
| Net charge-offs to loans | 0.1139% | 2,238 |
| Credit loss provision to net charge-offs | 405.4054% | 751 |
| Earnings coverage of net charge-offs (x) | 28.7099% | 1,498 |
| Efficiency ratio | 63.7971% | 4,315 |
| Assets per employee ($millions) | 2.8348% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 2,411 |
| Loan loss allowance to noncurrent loans | 1,016.3185% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1131% | 5,135 |
| Noncurrent loans to loans | 0.1380% | 4,942 |
| Net loans and leases to total assets | 80.8032% | 739 |
| Net loans and leases to deposits | 110.8414% | 226 |
| Net loans and leases to core deposits | 126.3303% | 324 |
| Total domestic deposits to total assets | 72.8999% | 5,740 |
| Equity capital to assets | 11.6217% | 2,259 |
| Core capital (leverage) ratio | 12.1371% | 1,536 |
| Tier 1 risk-based capital ratio | 14.2596% | 3,572 |
| Total risk-based capital ratio | 15.5118% | 3,485 |
| Memoranda: | ||
| Average total assets | $582,486,200 | 1,172 |
| Average earning assets | $548,084,000 | 1,149 |
| Average equity | $64,273,200 | 1,174 |
| Average total loans | $487,451,200 | 957 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6626% | 212 |
| Cost of funding earning assets | 0.6594% | 1,037 |
| Net interest margin | 5.0032% | 252 |
| Noninterest income to average assets | 3.0936% | 203 |
| Noninterest expense to average assets | 4.9070% | 295 |
| Loan and lease loss provision to assets | 0.3937% | 311 |
| Net operating income to assets | 1.6319% | 716 |
| Return on assets (ROA) | 1.6437% | 722 |
| Pretax return on assets | 2.5185% | 234 |
| Return on Equity (ROE) | 15.1406% | 708 |
| Retained earnings to average equity (ytd only) | 15.1406% | 159 |
| Net charge-offs to loans | 0.1420% | 1,703 |
| Credit loss provision to net charge-offs | 329.3413% | 890 |
| Earnings coverage of net charge-offs (x) | 24.2077% | 1,702 |
| Efficiency ratio | 62.9011% | 4,419 |
| Assets per employee ($millions) | 2.7465% | 5,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3443% | 2,888 |
| Loan loss allowance to noncurrent loans | 860.7610% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 5,223 |
| Noncurrent loans to loans | 0.1562% | 5,017 |
| Net loans and leases to total assets | 83.3732% | 436 |
| Net loans and leases to deposits | 105.5459% | 383 |
| Net loans and leases to core deposits | 121.3462% | 436 |
| Total domestic deposits to total assets | 78.9924% | 4,981 |
| Equity capital to assets | 10.6549% | 3,405 |
| Core capital (leverage) ratio | 11.3658% | 2,138 |
| Tier 1 risk-based capital ratio | 12.5924% | 4,688 |
| Total risk-based capital ratio | 13.8451% | 4,594 |
| Memoranda: | ||
| Average total assets | $558,726,750 | 1,226 |
| Average earning assets | $525,706,000 | 1,205 |
| Average equity | $60,656,500 | 1,259 |
| Average total loans | $470,502,500 | 987 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7313% | 183 |
| Cost of funding earning assets | 0.6711% | 985 |
| Net interest margin | 5.0601% | 227 |
| Noninterest income to average assets | 3.3284% | 189 |
| Noninterest expense to average assets | 4.9229% | 303 |
| Loan and lease loss provision to assets | 0.3943% | 306 |
| Net operating income to assets | 1.8157% | 496 |
| Return on assets (ROA) | 1.8345% | 503 |
| Pretax return on assets | 2.7992% | 159 |
| Return on Equity (ROE) | 16.7741% | 515 |
| Retained earnings to average equity (ytd only) | 16.7741% | 132 |
| Net charge-offs to loans | 0.1617% | 1,506 |
| Credit loss provision to net charge-offs | 290.0552% | 948 |
| Earnings coverage of net charge-offs (x) | 23.2818% | 1,614 |
| Efficiency ratio | 60.8673% | 4,853 |
| Assets per employee ($millions) | 2.6097% | 5,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 2,671 |
| Loan loss allowance to noncurrent loans | 659.3385% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1815% | 5,140 |
| Noncurrent loans to loans | 0.2151% | 4,912 |
| Net loans and leases to total assets | 83.1859% | 449 |
| Net loans and leases to deposits | 98.0761% | 783 |
| Net loans and leases to core deposits | 113.3589% | 694 |
| Total domestic deposits to total assets | 84.8177% | 3,204 |
| Equity capital to assets | 10.7063% | 3,211 |
| Core capital (leverage) ratio | 10.9176% | 2,508 |
| Tier 1 risk-based capital ratio | 12.3154% | 4,927 |
| Total risk-based capital ratio | 13.5686% | 4,824 |
| Memoranda: | ||
| Average total assets | $532,573,000 | 1,285 |
| Average earning assets | $500,937,000 | 1,259 |
| Average equity | $58,244,670 | 1,307 |
| Average total loans | $447,842,330 | 1,035 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6791% | 196 |
| Cost of funding earning assets | 0.6632% | 1,028 |
| Net interest margin | 5.0159% | 244 |
| Noninterest income to average assets | 2.9544% | 222 |
| Noninterest expense to average assets | 4.8664% | 328 |
| Loan and lease loss provision to assets | 0.3490% | 367 |
| Net operating income to assets | 1.6336% | 673 |
| Return on assets (ROA) | 1.6731% | 657 |
| Pretax return on assets | 2.5146% | 234 |
| Return on Equity (ROE) | 15.1232% | 692 |
| Retained earnings to average equity (ytd only) | 15.1232% | 274 |
| Net charge-offs to loans | 0.2625% | 914 |
| Credit loss provision to net charge-offs | 158.4507% | 1,210 |
| Earnings coverage of net charge-offs (x) | 12.7324% | 1,775 |
| Efficiency ratio | 63.4378% | 4,564 |
| Assets per employee ($millions) | 2.5764% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4014% | 2,909 |
| Loan loss allowance to noncurrent loans | 591.8638% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.1992% | 5,158 |
| Noncurrent loans to loans | 0.2368% | 4,928 |
| Net loans and leases to total assets | 82.9314% | 382 |
| Net loans and leases to deposits | 100.2457% | 550 |
| Net loans and leases to core deposits | 116.7065% | 500 |
| Total domestic deposits to total assets | 82.7281% | 4,260 |
| Equity capital to assets | 10.9687% | 3,007 |
| Core capital (leverage) ratio | 11.1988% | 2,231 |
| Tier 1 risk-based capital ratio | 12.4504% | 4,943 |
| Total risk-based capital ratio | 13.7030% | 4,857 |
| Memoranda: | ||
| Average total assets | $515,704,500 | 1,328 |
| Average earning assets | $484,934,500 | 1,308 |
| Average equity | $57,051,500 | 1,339 |
| Average total loans | $432,829,500 | 1,061 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7804% | 200 |
| Cost of funding earning assets | 0.6449% | 1,443 |
| Net interest margin | 5.1355% | 232 |
| Noninterest income to average assets | 2.0306% | 333 |
| Noninterest expense to average assets | 4.9787% | 309 |
| Loan and lease loss provision to assets | 0.3982% | 445 |
| Net operating income to assets | 1.0183% | 2,303 |
| Return on assets (ROA) | 1.0120% | 2,407 |
| Pretax return on assets | 1.4431% | 1,742 |
| Return on Equity (ROE) | 8.6334% | 2,772 |
| Retained earnings to average equity (ytd only) | 8.6334% | 789 |
| Net charge-offs to loans | 0.2279% | 1,848 |
| Credit loss provision to net charge-offs | 224.4389% | 1,121 |
| Earnings coverage of net charge-offs (x) | 10.4302% | 2,610 |
| Efficiency ratio | 72.9051% | 3,055 |
| Assets per employee ($millions) | 2.3955% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4526% | 2,684 |
| Loan loss allowance to noncurrent loans | 1,406.4665% | 454 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 5,685 |
| Noncurrent loans to loans | 0.1033% | 5,481 |
| Net loans and leases to total assets | 82.5222% | 471 |
| Net loans and leases to deposits | 97.5840% | 787 |
| Net loans and leases to core deposits | 111.4736% | 713 |
| Total domestic deposits to total assets | 84.5653% | 3,475 |
| Equity capital to assets | 11.1626% | 2,738 |
| Core capital (leverage) ratio | 11.1737% | 2,241 |
| Tier 1 risk-based capital ratio | 13.4293% | 4,453 |
| Total risk-based capital ratio | 14.6834% | 4,389 |
| Memoranda: | ||
| Average total assets | $452,090,400 | 1,469 |
| Average earning assets | $422,411,600 | 1,450 |
| Average equity | $52,991,800 | 1,382 |
| Average total loans | $351,973,000 | 1,252 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7305% | 216 |
| Cost of funding earning assets | 0.6614% | 1,380 |
| Net interest margin | 5.0691% | 261 |
| Noninterest income to average assets | 1.8950% | 378 |
| Noninterest expense to average assets | 4.8250% | 352 |
| Loan and lease loss provision to assets | 0.4091% | 410 |
| Net operating income to assets | 0.9302% | 2,779 |
| Return on assets (ROA) | 0.9219% | 2,908 |
| Pretax return on assets | 1.3750% | 2,098 |
| Return on Equity (ROE) | 7.7598% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.7598% | 1,465 |
| Net charge-offs to loans | 0.2506% | 1,540 |
| Credit loss provision to net charge-offs | 214.2857% | 1,194 |
| Earnings coverage of net charge-offs (x) | 9.4095% | 2,678 |
| Efficiency ratio | 72.8683% | 3,027 |
| Assets per employee ($millions) | 2.4310% | 6,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4869% | 2,789 |
| Loan loss allowance to noncurrent loans | 1,421.0269% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0867% | 5,814 |
| Noncurrent loans to loans | 0.1046% | 5,621 |
| Net loans and leases to total assets | 81.6477% | 546 |
| Net loans and leases to deposits | 98.3691% | 712 |
| Net loans and leases to core deposits | 115.6463% | 523 |
| Total domestic deposits to total assets | 83.0014% | 4,153 |
| Equity capital to assets | 11.4871% | 2,500 |
| Core capital (leverage) ratio | 11.7875% | 1,844 |
| Tier 1 risk-based capital ratio | 13.6300% | 4,456 |
| Total risk-based capital ratio | 14.8840% | 4,393 |
| Memoranda: | ||
| Average total assets | $439,947,000 | 1,523 |
| Average earning assets | $410,214,000 | 1,502 |
| Average equity | $52,268,000 | 1,404 |
| Average total loans | $335,154,000 | 1,306 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5647% | 277 |
| Cost of funding earning assets | 0.6397% | 1,590 |
| Net interest margin | 4.9250% | 330 |
| Noninterest income to average assets | 1.8780% | 381 |
| Noninterest expense to average assets | 4.7355% | 374 |
| Loan and lease loss provision to assets | 0.4192% | 397 |
| Net operating income to assets | 0.8739% | 2,941 |
| Return on assets (ROA) | 0.8771% | 3,009 |
| Pretax return on assets | 1.3107% | 2,215 |
| Return on Equity (ROE) | 7.2939% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.2939% | 1,617 |
| Net charge-offs to loans | 0.2805% | 1,414 |
| Credit loss provision to net charge-offs | 202.7027% | 1,153 |
| Earnings coverage of net charge-offs (x) | 8.3423% | 2,506 |
| Efficiency ratio | 73.2968% | 3,103 |
| Assets per employee ($millions) | 2.4495% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5988% | 2,466 |
| Loan loss allowance to noncurrent loans | 1,608.1159% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 5,902 |
| Noncurrent loans to loans | 0.0994% | 5,723 |
| Net loans and leases to total assets | 78.3173% | 869 |
| Net loans and leases to deposits | 94.2683% | 940 |
| Net loans and leases to core deposits | 110.4269% | 679 |
| Total domestic deposits to total assets | 83.0791% | 4,276 |
| Equity capital to assets | 12.1696% | 1,871 |
| Core capital (leverage) ratio | 12.3095% | 1,491 |
| Tier 1 risk-based capital ratio | 14.7189% | 3,799 |
| Total risk-based capital ratio | 15.9737% | 3,746 |
| Memoranda: | ||
| Average total assets | $429,391,000 | 1,561 |
| Average earning assets | $399,551,330 | 1,532 |
| Average equity | $51,632,330 | 1,409 |
| Average total loans | $316,580,330 | 1,371 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4717% | 300 |
| Cost of funding earning assets | 0.6174% | 1,836 |
| Net interest margin | 4.8543% | 349 |
| Noninterest income to average assets | 1.7086% | 431 |
| Noninterest expense to average assets | 4.5588% | 429 |
| Loan and lease loss provision to assets | 0.4225% | 396 |
| Net operating income to assets | 0.8308% | 2,998 |
| Return on assets (ROA) | 0.8308% | 3,071 |
| Pretax return on assets | 1.2373% | 2,322 |
| Return on Equity (ROE) | 6.9524% | 3,501 |
| Retained earnings to average equity (ytd only) | 6.9524% | 2,071 |
| Net charge-offs to loans | 0.3969% | 923 |
| Credit loss provision to net charge-offs | 150.5017% | 1,253 |
| Earnings coverage of net charge-offs (x) | 5.9130% | 2,313 |
| Efficiency ratio | 73.3092% | 3,258 |
| Assets per employee ($millions) | 2.5633% | 6,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7170% | 2,295 |
| Loan loss allowance to noncurrent loans | 1,210.8545% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.2235% | 5,536 |
| Noncurrent loans to loans | 0.1418% | 5,671 |
| Net loans and leases to total assets | 69.2802% | 2,018 |
| Net loans and leases to deposits | 82.5925% | 1,992 |
| Net loans and leases to core deposits | 95.7605% | 1,400 |
| Total domestic deposits to total assets | 83.8819% | 4,316 |
| Equity capital to assets | 11.8974% | 1,941 |
| Core capital (leverage) ratio | 12.2390% | 1,515 |
| Tier 1 risk-based capital ratio | 15.1157% | 3,646 |
| Total risk-based capital ratio | 16.3695% | 3,598 |
| Memoranda: | ||
| Average total assets | $426,081,000 | 1,576 |
| Average earning assets | $395,856,500 | 1,561 |
| Average equity | $50,918,000 | 1,422 |
| Average total loans | $301,360,500 | 1,432 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9919% | 171 |
| Cost of funding earning assets | 0.6237% | 2,447 |
| Net interest margin | 5.3682% | 168 |
| Noninterest income to average assets | 1.9145% | 419 |
| Noninterest expense to average assets | 4.8390% | 391 |
| Loan and lease loss provision to assets | 0.5638% | 459 |
| Net operating income to assets | 0.9828% | 2,402 |
| Return on assets (ROA) | 1.0281% | 2,270 |
| Pretax return on assets | 1.5583% | 1,273 |
| Return on Equity (ROE) | 8.0403% | 3,022 |
| Retained earnings to average equity (ytd only) | 8.0403% | 1,044 |
| Net charge-offs to loans | 0.5984% | 1,097 |
| Credit loss provision to net charge-offs | 122.1847% | 1,943 |
| Earnings coverage of net charge-offs (x) | 4.4505% | 3,563 |
| Efficiency ratio | 70.2062% | 3,806 |
| Assets per employee ($millions) | 2.6517% | 6,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7124% | 2,363 |
| Loan loss allowance to noncurrent loans | 462.4886% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7581% | 3,989 |
| Noncurrent loans to loans | 0.3703% | 5,076 |
| Net loans and leases to total assets | 69.7591% | 2,056 |
| Net loans and leases to deposits | 83.4951% | 1,999 |
| Net loans and leases to core deposits | 96.8384% | 1,394 |
| Total domestic deposits to total assets | 83.5488% | 4,338 |
| Equity capital to assets | 12.0050% | 1,804 |
| Core capital (leverage) ratio | 12.6071% | 1,303 |
| Tier 1 risk-based capital ratio | 15.3847% | 3,441 |
| Total risk-based capital ratio | 16.6388% | 3,386 |
| Memoranda: | ||
| Average total assets | $384,895,000 | 1,708 |
| Average earning assets | $356,915,800 | 1,686 |
| Average equity | $49,214,800 | 1,434 |
| Average total loans | $296,782,000 | 1,418 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1062% | 144 |
| Cost of funding earning assets | 0.6176% | 2,666 |
| Net interest margin | 5.4886% | 137 |
| Noninterest income to average assets | 2.1825% | 369 |
| Noninterest expense to average assets | 4.9169% | 360 |
| Loan and lease loss provision to assets | 0.6093% | 396 |
| Net operating income to assets | 1.1512% | 1,806 |
| Return on assets (ROA) | 1.2129% | 1,664 |
| Pretax return on assets | 1.8407% | 822 |
| Return on Equity (ROE) | 9.3274% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.3274% | 955 |
| Net charge-offs to loans | 0.4980% | 1,290 |
| Credit loss provision to net charge-offs | 155.2347% | 1,522 |
| Earnings coverage of net charge-offs (x) | 6.0036% | 3,054 |
| Efficiency ratio | 67.6018% | 4,169 |
| Assets per employee ($millions) | 2.5717% | 6,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7849% | 2,352 |
| Loan loss allowance to noncurrent loans | 348.4252% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 3,758 |
| Noncurrent loans to loans | 0.5123% | 4,907 |
| Net loans and leases to total assets | 73.7754% | 1,321 |
| Net loans and leases to deposits | 88.7016% | 1,297 |
| Net loans and leases to core deposits | 101.3947% | 1,034 |
| Total domestic deposits to total assets | 83.1726% | 4,512 |
| Equity capital to assets | 12.6708% | 1,490 |
| Core capital (leverage) ratio | 12.7427% | 1,309 |
| Tier 1 risk-based capital ratio | 15.6052% | 3,403 |
| Total risk-based capital ratio | 16.8611% | 3,365 |
| Memoranda: | ||
| Average total assets | $376,377,250 | 1,749 |
| Average earning assets | $349,103,250 | 1,729 |
| Average equity | $48,944,250 | 1,453 |
| Average total loans | $296,637,750 | 1,422 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0891% | 155 |
| Cost of funding earning assets | 0.6094% | 2,853 |
| Net interest margin | 5.4797% | 137 |
| Noninterest income to average assets | 2.3611% | 351 |
| Noninterest expense to average assets | 5.0370% | 344 |
| Loan and lease loss provision to assets | 0.6490% | 378 |
| Net operating income to assets | 1.1756% | 1,654 |
| Return on assets (ROA) | 1.2698% | 1,506 |
| Pretax return on assets | 1.9139% | 731 |
| Return on Equity (ROE) | 9.6762% | 2,329 |
| Retained earnings to average equity (ytd only) | 9.6762% | 920 |
| Net charge-offs to loans | 0.4198% | 1,537 |
| Credit loss provision to net charge-offs | 192.9260% | 1,233 |
| Earnings coverage of net charge-offs (x) | 7.1945% | 2,583 |
| Efficiency ratio | 67.5466% | 4,256 |
| Assets per employee ($millions) | 2.4601% | 6,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 2,544 |
| Loan loss allowance to noncurrent loans | 229.9913% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0820% | 3,573 |
| Noncurrent loans to loans | 0.7676% | 4,384 |
| Net loans and leases to total assets | 77.4869% | 803 |
| Net loans and leases to deposits | 93.5312% | 842 |
| Net loans and leases to core deposits | 107.1332% | 681 |
| Total domestic deposits to total assets | 82.8460% | 4,762 |
| Equity capital to assets | 12.9278% | 1,369 |
| Core capital (leverage) ratio | 13.1083% | 1,126 |
| Tier 1 risk-based capital ratio | 15.6589% | 3,392 |
| Total risk-based capital ratio | 16.9148% | 3,335 |
| Memoranda: | ||
| Average total assets | $369,821,670 | 1,771 |
| Average earning assets | $343,925,330 | 1,748 |
| Average equity | $48,531,670 | 1,470 |
| Average total loans | $296,352,670 | 1,425 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0137% | 163 |
| Cost of funding earning assets | 0.6154% | 2,966 |
| Net interest margin | 5.3983% | 148 |
| Noninterest income to average assets | 2.0826% | 411 |
| Noninterest expense to average assets | 4.6011% | 493 |
| Loan and lease loss provision to assets | 0.6570% | 366 |
| Net operating income to assets | 1.2276% | 1,438 |
| Return on assets (ROA) | 1.3490% | 1,252 |
| Pretax return on assets | 2.0323% | 559 |
| Return on Equity (ROE) | 10.2010% | 1,996 |
| Retained earnings to average equity (ytd only) | 10.2010% | 1,058 |
| Net charge-offs to loans | 0.3443% | 1,611 |
| Credit loss provision to net charge-offs | 236.2205% | 968 |
| Earnings coverage of net charge-offs (x) | 9.0079% | 1,893 |
| Efficiency ratio | 64.7458% | 4,876 |
| Assets per employee ($millions) | 2.5449% | 6,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 3,126 |
| Loan loss allowance to noncurrent loans | 284.4896% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 3,918 |
| Noncurrent loans to loans | 0.5877% | 4,971 |
| Net loans and leases to total assets | 79.8420% | 437 |
| Net loans and leases to deposits | 96.5282% | 512 |
| Net loans and leases to core deposits | 109.2533% | 518 |
| Total domestic deposits to total assets | 82.7137% | 4,947 |
| Equity capital to assets | 13.1290% | 1,370 |
| Core capital (leverage) ratio | 13.1858% | 1,049 |
| Tier 1 risk-based capital ratio | 14.7876% | 3,978 |
| Total risk-based capital ratio | 16.0421% | 3,943 |
| Memoranda: | ||
| Average total assets | $365,307,500 | 1,806 |
| Average earning assets | $339,957,000 | 1,777 |
| Average equity | $48,309,000 | 1,495 |
| Average total loans | $295,111,500 | 1,435 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2452% | 184 |
| Cost of funding earning assets | 0.7893% | 2,754 |
| Net interest margin | 5.4559% | 182 |
| Noninterest income to average assets | 1.2892% | 927 |
| Noninterest expense to average assets | 4.5107% | 570 |
| Loan and lease loss provision to assets | 0.8959% | 502 |
| Net operating income to assets | 0.9294% | 2,651 |
| Return on assets (ROA) | 1.6263% | 797 |
| Pretax return on assets | 1.6263% | 1,315 |
| Return on Equity (ROE) | 14.9255% | 821 |
| Retained earnings to average equity (ytd only) | 14.9255% | 160 |
| Net charge-offs to loans | 1.0065% | 1,081 |
| Credit loss provision to net charge-offs | 113.7891% | 2,555 |
| Earnings coverage of net charge-offs (x) | 2.3184% | 4,254 |
| Efficiency ratio | 71.1921% | 3,593 |
| Assets per employee ($millions) | 2.7620% | 6,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 3,189 |
| Loan loss allowance to noncurrent loans | 246.4848% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 1.1232% | 3,779 |
| Noncurrent loans to loans | 0.6606% | 4,877 |
| Net loans and leases to total assets | 79.0464% | 557 |
| Net loans and leases to deposits | 93.9422% | 751 |
| Net loans and leases to core deposits | 105.9813% | 696 |
| Total domestic deposits to total assets | 84.1437% | 4,251 |
| Equity capital to assets | 13.3227% | 1,300 |
| Core capital (leverage) ratio | 13.2589% | 1,028 |
| Tier 1 risk-based capital ratio | 14.8293% | 3,817 |
| Total risk-based capital ratio | 16.0830% | 3,770 |
| Memoranda: | ||
| Average total assets | $325,159,800 | 1,977 |
| Average earning assets | $300,772,800 | 1,964 |
| Average equity | $35,429,400 | 1,952 |
| Average total loans | $254,357,600 | 1,621 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2310% | 197 |
| Cost of funding earning assets | 0.8346% | 2,672 |
| Net interest margin | 5.3964% | 206 |
| Noninterest income to average assets | 0.7679% | 2,390 |
| Noninterest expense to average assets | 4.2918% | 661 |
| Loan and lease loss provision to assets | 0.7136% | 702 |
| Net operating income to assets | 0.7524% | 3,684 |
| Return on assets (ROA) | 1.7750% | 669 |
| Pretax return on assets | 1.7750% | 1,109 |
| Return on Equity (ROE) | 17.3881% | 565 |
| Retained earnings to average equity (ytd only) | 17.3881% | 139 |
| Net charge-offs to loans | 0.9118% | 1,193 |
| Credit loss provision to net charge-offs | 100.8328% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.0714% | 4,233 |
| Efficiency ratio | 74.5393% | 2,899 |
| Assets per employee ($millions) | 2.8433% | 6,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6024% | 3,506 |
| Loan loss allowance to noncurrent loans | 208.1662% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 1.2940% | 3,708 |
| Noncurrent loans to loans | 0.7698% | 4,871 |
| Net loans and leases to total assets | 78.4488% | 676 |
| Net loans and leases to deposits | 92.8793% | 886 |
| Net loans and leases to core deposits | 106.0584% | 737 |
| Total domestic deposits to total assets | 84.4631% | 3,995 |
| Equity capital to assets | 13.9522% | 1,177 |
| Core capital (leverage) ratio | 13.2171% | 1,102 |
| Tier 1 risk-based capital ratio | 15.8166% | 3,367 |
| Total risk-based capital ratio | 17.0706% | 3,330 |
| Memoranda: | ||
| Average total assets | $316,686,000 | 2,053 |
| Average earning assets | $292,830,500 | 2,040 |
| Average equity | $32,327,750 | 2,148 |
| Average total loans | $245,817,500 | 1,689 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2110% | 213 |
| Cost of funding earning assets | 0.8792% | 2,569 |
| Net interest margin | 5.3319% | 233 |
| Noninterest income to average assets | 0.4732% | 4,108 |
| Noninterest expense to average assets | 4.1956% | 732 |
| Loan and lease loss provision to assets | 0.6904% | 804 |
| Net operating income to assets | 0.5134% | 4,753 |
| Return on assets (ROA) | 0.5821% | 4,710 |
| Pretax return on assets | 0.5821% | 5,204 |
| Return on Equity (ROE) | 6.5944% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.5944% | 2,332 |
| Net charge-offs to loans | 0.9094% | 1,210 |
| Credit loss provision to net charge-offs | 98.7941% | 2,807 |
| Earnings coverage of net charge-offs (x) | 1.7226% | 4,122 |
| Efficiency ratio | 77.7044% | 2,499 |
| Assets per employee ($millions) | 3.0713% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 3,195 |
| Loan loss allowance to noncurrent loans | 249.2520% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3751% | 3,683 |
| Noncurrent loans to loans | 0.6853% | 5,137 |
| Net loans and leases to total assets | 73.1264% | 1,375 |
| Net loans and leases to deposits | 80.9261% | 2,241 |
| Net loans and leases to core deposits | 91.3266% | 1,836 |
| Total domestic deposits to total assets | 90.3620% | 732 |
| Equity capital to assets | 8.1842% | 6,469 |
| Core capital (leverage) ratio | 8.8811% | 5,076 |
| Tier 1 risk-based capital ratio | 10.0167% | 6,822 |
| Total risk-based capital ratio | 11.2709% | 6,799 |
| Memoranda: | ||
| Average total assets | $308,514,330 | 2,107 |
| Average earning assets | $285,041,670 | 2,089 |
| Average equity | $27,235,330 | 2,464 |
| Average total loans | $237,081,000 | 1,739 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4201% | 179 |
| Cost of funding earning assets | 0.9639% | 2,207 |
| Net interest margin | 5.4562% | 200 |
| Noninterest income to average assets | 0.2148% | 6,082 |
| Noninterest expense to average assets | 4.1667% | 772 |
| Loan and lease loss provision to assets | 0.7047% | 741 |
| Net operating income to assets | 0.3626% | 5,415 |
| Return on assets (ROA) | 0.3790% | 5,540 |
| Pretax return on assets | 0.3790% | 5,787 |
| Return on Equity (ROE) | 4.1186% | 5,239 |
| Retained earnings to average equity (ytd only) | 4.1186% | 4,120 |
| Net charge-offs to loans | 1.1538% | 894 |
| Credit loss provision to net charge-offs | 78.0303% | 2,766 |
| Earnings coverage of net charge-offs (x) | 1.1818% | 3,744 |
| Efficiency ratio | 79.6078% | 2,253 |
| Assets per employee ($millions) | 3.1014% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7716% | 3,086 |
| Loan loss allowance to noncurrent loans | 215.4951% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 1.5749% | 3,493 |
| Noncurrent loans to loans | 0.8221% | 5,032 |
| Net loans and leases to total assets | 77.4064% | 647 |
| Net loans and leases to deposits | 87.7552% | 1,198 |
| Net loans and leases to core deposits | 99.5775% | 1,013 |
| Total domestic deposits to total assets | 88.2073% | 2,183 |
| Equity capital to assets | 8.9876% | 5,513 |
| Core capital (leverage) ratio | 9.2152% | 4,488 |
| Tier 1 risk-based capital ratio | 10.5348% | 6,726 |
| Total risk-based capital ratio | 11.7901% | 6,710 |
| Memoranda: | ||
| Average total assets | $292,316,000 | 2,225 |
| Average earning assets | $268,907,000 | 2,211 |
| Average equity | $26,902,500 | 2,483 |
| Average total loans | $228,807,500 | 1,801 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4276% | 200 |
| Cost of funding earning assets | 1.1571% | 2,303 |
| Net interest margin | 5.2704% | 254 |
| Noninterest income to average assets | 0.4263% | 4,393 |
| Noninterest expense to average assets | 3.8821% | 1,207 |
| Loan and lease loss provision to assets | 0.8387% | 1,158 |
| Net operating income to assets | 0.5367% | 4,283 |
| Return on assets (ROA) | 0.5470% | 4,434 |
| Pretax return on assets | 0.5470% | 4,850 |
| Return on Equity (ROE) | 5.9786% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.9786% | 2,026 |
| Net charge-offs to loans | 1.7669% | 845 |
| Credit loss provision to net charge-offs | 60.2952% | 5,163 |
| Earnings coverage of net charge-offs (x) | 0.9888% | 5,056 |
| Efficiency ratio | 73.8384% | 3,263 |
| Assets per employee ($millions) | 3.2999% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9701% | 2,372 |
| Loan loss allowance to noncurrent loans | 195.1055% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 2.4017% | 2,533 |
| Noncurrent loans to loans | 1.0098% | 4,686 |
| Net loans and leases to total assets | 76.1827% | 924 |
| Net loans and leases to deposits | 87.5471% | 1,445 |
| Net loans and leases to core deposits | 98.3170% | 1,306 |
| Total domestic deposits to total assets | 87.0191% | 2,749 |
| Equity capital to assets | 9.4318% | 4,985 |
| Core capital (leverage) ratio | 9.3026% | 4,325 |
| Tier 1 risk-based capital ratio | 11.0374% | 6,432 |
| Total risk-based capital ratio | 12.2943% | 6,415 |
| Memoranda: | ||
| Average total assets | $282,453,200 | 2,246 |
| Average earning assets | $258,916,600 | 2,244 |
| Average equity | $25,842,200 | 2,495 |
| Average total loans | $222,367,400 | 1,856 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4034% | 226 |
| Cost of funding earning assets | 1.1944% | 2,352 |
| Net interest margin | 5.2090% | 281 |
| Noninterest income to average assets | 0.4168% | 4,533 |
| Noninterest expense to average assets | 3.8375% | 1,253 |
| Loan and lease loss provision to assets | 0.7807% | 1,203 |
| Net operating income to assets | 0.5742% | 4,199 |
| Return on assets (ROA) | 0.5827% | 4,346 |
| Pretax return on assets | 0.5827% | 4,875 |
| Return on Equity (ROE) | 6.4190% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.4190% | 2,280 |
| Net charge-offs to loans | 1.6210% | 867 |
| Credit loss provision to net charge-offs | 60.9819% | 4,782 |
| Earnings coverage of net charge-offs (x) | 1.0583% | 4,837 |
| Efficiency ratio | 73.9055% | 3,199 |
| Assets per employee ($millions) | 3.5264% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1509% | 1,964 |
| Loan loss allowance to noncurrent loans | 254.3547% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 2.5529% | 2,519 |
| Noncurrent loans to loans | 0.8456% | 5,176 |
| Net loans and leases to total assets | 77.2132% | 810 |
| Net loans and leases to deposits | 89.8583% | 1,230 |
| Net loans and leases to core deposits | 99.2150% | 1,315 |
| Total domestic deposits to total assets | 85.9277% | 3,256 |
| Equity capital to assets | 9.2141% | 5,491 |
| Core capital (leverage) ratio | 9.5783% | 4,024 |
| Tier 1 risk-based capital ratio | 10.8926% | 6,607 |
| Total risk-based capital ratio | 12.1524% | 6,583 |
| Memoranda: | ||
| Average total assets | $282,118,000 | 2,256 |
| Average earning assets | $258,646,250 | 2,255 |
| Average equity | $25,611,000 | 2,515 |
| Average total loans | $222,822,500 | 1,866 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4571% | 216 |
| Cost of funding earning assets | 1.2574% | 2,204 |
| Net interest margin | 5.1996% | 275 |
| Noninterest income to average assets | 0.5909% | 3,194 |
| Noninterest expense to average assets | 3.9118% | 1,171 |
| Loan and lease loss provision to assets | 0.7332% | 1,271 |
| Net operating income to assets | 0.7176% | 3,455 |
| Return on assets (ROA) | 0.7176% | 3,566 |
| Pretax return on assets | 0.7176% | 4,328 |
| Return on Equity (ROE) | 7.9448% | 2,967 |
| Retained earnings to average equity (ytd only) | 7.9448% | 1,478 |
| Net charge-offs to loans | 1.8913% | 718 |
| Credit loss provision to net charge-offs | 49.0710% | 4,605 |
| Earnings coverage of net charge-offs (x) | 0.9709% | 4,569 |
| Efficiency ratio | 72.3085% | 3,669 |
| Assets per employee ($millions) | 3.4530% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2588% | 1,811 |
| Loan loss allowance to noncurrent loans | 246.9867% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 2.8898% | 2,328 |
| Noncurrent loans to loans | 0.9145% | 5,138 |
| Net loans and leases to total assets | 76.7127% | 964 |
| Net loans and leases to deposits | 86.4011% | 1,731 |
| Net loans and leases to core deposits | 99.8049% | 1,359 |
| Total domestic deposits to total assets | 88.7867% | 1,675 |
| Equity capital to assets | 9.5229% | 4,785 |
| Core capital (leverage) ratio | 9.3707% | 4,153 |
| Tier 1 risk-based capital ratio | 11.3074% | 6,318 |
| Total risk-based capital ratio | 12.5681% | 6,297 |
| Memoranda: | ||
| Average total assets | $280,944,330 | 2,283 |
| Average earning assets | $257,826,000 | 2,273 |
| Average equity | $25,375,000 | 2,521 |
| Average total loans | $221,963,670 | 1,894 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4516% | 230 |
| Cost of funding earning assets | 1.2702% | 2,361 |
| Net interest margin | 5.1814% | 259 |
| Noninterest income to average assets | 0.5543% | 3,476 |
| Noninterest expense to average assets | 3.8790% | 1,205 |
| Loan and lease loss provision to assets | 0.6526% | 1,324 |
| Net operating income to assets | 0.7915% | 3,072 |
| Return on assets (ROA) | 0.7915% | 3,143 |
| Pretax return on assets | 0.7915% | 3,930 |
| Return on Equity (ROE) | 8.9974% | 2,473 |
| Retained earnings to average equity (ytd only) | 8.9974% | 1,378 |
| Net charge-offs to loans | 2.3480% | 511 |
| Credit loss provision to net charge-offs | 35.0679% | 4,034 |
| Earnings coverage of net charge-offs (x) | 0.7760% | 4,058 |
| Efficiency ratio | 72.2383% | 3,811 |
| Assets per employee ($millions) | 3.4714% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3348% | 1,713 |
| Loan loss allowance to noncurrent loans | 261.6183% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 2.8904% | 2,387 |
| Noncurrent loans to loans | 0.8924% | 5,260 |
| Net loans and leases to total assets | 75.9753% | 1,034 |
| Net loans and leases to deposits | 85.3484% | 1,828 |
| Net loans and leases to core deposits | 97.5077% | 1,562 |
| Total domestic deposits to total assets | 89.0178% | 1,763 |
| Equity capital to assets | 9.1292% | 4,990 |
| Core capital (leverage) ratio | 9.2625% | 4,183 |
| Tier 1 risk-based capital ratio | 11.0425% | 6,481 |
| Total risk-based capital ratio | 12.3044% | 6,451 |
| Memoranda: | ||
| Average total assets | $285,024,500 | 2,267 |
| Average earning assets | $262,323,500 | 2,250 |
| Average equity | $25,074,000 | 2,534 |
| Average total loans | $225,897,500 | 1,890 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7941% | 202 |
| Cost of funding earning assets | 1.4853% | 2,731 |
| Net interest margin | 5.3088% | 240 |
| Noninterest income to average assets | 1.0678% | 1,314 |
| Noninterest expense to average assets | 4.1448% | 964 |
| Loan and lease loss provision to assets | 1.2248% | 1,274 |
| Net operating income to assets | 0.5638% | 3,833 |
| Return on assets (ROA) | 0.5638% | 3,987 |
| Pretax return on assets | 0.5638% | 4,437 |
| Return on Equity (ROE) | 6.6442% | 3,283 |
| Retained earnings to average equity (ytd only) | 6.6442% | 1,482 |
| Net charge-offs to loans | 2.0919% | 955 |
| Credit loss provision to net charge-offs | 69.8936% | 5,867 |
| Earnings coverage of net charge-offs (x) | 1.0207% | 5,093 |
| Efficiency ratio | 69.2864% | 4,317 |
| Assets per employee ($millions) | 3.7004% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5047% | 1,404 |
| Loan loss allowance to noncurrent loans | 93.7004% | 3,057 |
| Noncurrent assets plus other real estate owned to assets | 3.4218% | 2,042 |
| Noncurrent loans to loans | 2.6731% | 2,845 |
| Net loans and leases to total assets | 78.6262% | 860 |
| Net loans and leases to deposits | 93.9210% | 1,071 |
| Net loans and leases to core deposits | 107.6096% | 1,084 |
| Total domestic deposits to total assets | 83.7153% | 4,497 |
| Equity capital to assets | 8.4817% | 5,880 |
| Core capital (leverage) ratio | 9.0855% | 4,380 |
| Tier 1 risk-based capital ratio | 9.7926% | 7,055 |
| Total risk-based capital ratio | 11.0560% | 7,044 |
| Memoranda: | ||
| Average total assets | $284,135,800 | 2,252 |
| Average earning assets | $260,418,400 | 2,252 |
| Average equity | $24,111,400 | 2,649 |
| Average total loans | $238,017,200 | 1,838 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7147% | 234 |
| Cost of funding earning assets | 1.5300% | 2,769 |
| Net interest margin | 5.1847% | 307 |
| Noninterest income to average assets | 1.2275% | 920 |
| Noninterest expense to average assets | 4.0337% | 1,012 |
| Loan and lease loss provision to assets | 1.3731% | 986 |
| Net operating income to assets | 0.5601% | 4,050 |
| Return on assets (ROA) | 0.5601% | 4,217 |
| Pretax return on assets | 0.5601% | 4,724 |
| Return on Equity (ROE) | 6.5995% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.5995% | 2,041 |
| Net charge-offs to loans | 2.3829% | 730 |
| Credit loss provision to net charge-offs | 68.1285% | 5,473 |
| Earnings coverage of net charge-offs (x) | 0.9592% | 5,104 |
| Efficiency ratio | 67.0311% | 4,646 |
| Assets per employee ($millions) | 3.7527% | 4,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4426% | 1,409 |
| Loan loss allowance to noncurrent loans | 108.6058% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 3.1590% | 2,279 |
| Noncurrent loans to loans | 2.2490% | 3,389 |
| Net loans and leases to total assets | 80.4215% | 677 |
| Net loans and leases to deposits | 100.2337% | 647 |
| Net loans and leases to core deposits | 119.9566% | 612 |
| Total domestic deposits to total assets | 80.2340% | 5,629 |
| Equity capital to assets | 8.1481% | 6,667 |
| Core capital (leverage) ratio | 9.1435% | 4,468 |
| Tier 1 risk-based capital ratio | 9.3913% | 7,278 |
| Total risk-based capital ratio | 10.6548% | 7,281 |
| Memoranda: | ||
| Average total assets | $282,086,000 | 2,305 |
| Average earning assets | $257,853,750 | 2,305 |
| Average equity | $23,940,500 | 2,702 |
| Average total loans | $238,582,250 | 1,859 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7837% | 211 |
| Cost of funding earning assets | 1.5783% | 2,783 |
| Net interest margin | 5.2054% | 279 |
| Noninterest income to average assets | 1.2433% | 840 |
| Noninterest expense to average assets | 4.0805% | 944 |
| Loan and lease loss provision to assets | 1.3802% | 976 |
| Net operating income to assets | 0.5188% | 4,249 |
| Return on assets (ROA) | 0.5188% | 4,403 |
| Pretax return on assets | 0.5188% | 4,848 |
| Return on Equity (ROE) | 6.0252% | 3,794 |
| Retained earnings to average equity (ytd only) | 6.0252% | 2,316 |
| Net charge-offs to loans | 2.6187% | 636 |
| Credit loss provision to net charge-offs | 61.7504% | 5,170 |
| Earnings coverage of net charge-offs (x) | 0.8496% | 4,922 |
| Efficiency ratio | 67.6602% | 4,643 |
| Assets per employee ($millions) | 3.4817% | 4,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6609% | 1,128 |
| Loan loss allowance to noncurrent loans | 100.0965% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 4.2619% | 1,570 |
| Noncurrent loans to loans | 2.6583% | 2,983 |
| Net loans and leases to total assets | 81.7424% | 566 |
| Net loans and leases to deposits | 96.8480% | 973 |
| Net loans and leases to core deposits | 115.2423% | 872 |
| Total domestic deposits to total assets | 84.4027% | 3,915 |
| Equity capital to assets | 8.6330% | 5,970 |
| Core capital (leverage) ratio | 9.0943% | 4,467 |
| Tier 1 risk-based capital ratio | 9.6299% | 7,208 |
| Total risk-based capital ratio | 10.8955% | 7,200 |
| Memoranda: | ||
| Average total assets | $276,042,330 | 2,361 |
| Average earning assets | $251,160,330 | 2,384 |
| Average equity | $23,766,670 | 2,714 |
| Average total loans | $235,615,000 | 1,905 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8725% | 203 |
| Cost of funding earning assets | 1.5963% | 2,989 |
| Net interest margin | 5.2762% | 251 |
| Noninterest income to average assets | 1.8588% | 375 |
| Noninterest expense to average assets | 4.0772% | 934 |
| Loan and lease loss provision to assets | 1.6740% | 684 |
| Net operating income to assets | 0.8996% | 2,544 |
| Return on assets (ROA) | 0.8996% | 2,617 |
| Pretax return on assets | 0.8996% | 3,473 |
| Return on Equity (ROE) | 10.4626% | 1,962 |
| Retained earnings to average equity (ytd only) | 10.4626% | 1,053 |
| Net charge-offs to loans | 3.7908% | 362 |
| Credit loss provision to net charge-offs | 51.3164% | 4,460 |
| Earnings coverage of net charge-offs (x) | 0.7889% | 4,334 |
| Efficiency ratio | 60.7573% | 6,043 |
| Assets per employee ($millions) | 3.4773% | 5,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6861% | 1,093 |
| Loan loss allowance to noncurrent loans | 132.6261% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 4.8429% | 1,351 |
| Noncurrent loans to loans | 2.0253% | 3,756 |
| Net loans and leases to total assets | 85.4180% | 257 |
| Net loans and leases to deposits | 99.6949% | 773 |
| Net loans and leases to core deposits | 118.0445% | 864 |
| Total domestic deposits to total assets | 85.6794% | 3,333 |
| Equity capital to assets | 8.9407% | 5,367 |
| Core capital (leverage) ratio | 8.7834% | 4,882 |
| Tier 1 risk-based capital ratio | 9.3726% | 7,363 |
| Total risk-based capital ratio | 10.6378% | 7,356 |
| Memoranda: | ||
| Average total assets | $274,795,500 | 2,431 |
| Average earning assets | $249,575,000 | 2,452 |
| Average equity | $23,627,000 | 2,759 |
| Average total loans | $236,469,500 | 1,951 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8173% | 368 |
| Cost of funding earning assets | 1.8719% | 3,610 |
| Net interest margin | 4.9454% | 503 |
| Noninterest income to average assets | 1.3666% | 787 |
| Noninterest expense to average assets | 4.9790% | 525 |
| Loan and lease loss provision to assets | 2.6984% | 701 |
| Net operating income to assets | -1.7705% | 7,002 |
| Return on assets (ROA) | -1.7465% | 6,992 |
| Pretax return on assets | -1.7465% | 6,835 |
| Return on Equity (ROE) | -17.4560% | 7,057 |
| Retained earnings to average equity (ytd only) | -17.4560% | 7,010 |
| Net charge-offs to loans | 2.2666% | 1,035 |
| Credit loss provision to net charge-offs | 134.3025% | 3,705 |
| Earnings coverage of net charge-offs (x) | 0.4618% | 5,649 |
| Efficiency ratio | 83.5100% | 2,415 |
| Assets per employee ($millions) | 3.3552% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1120% | 705 |
| Loan loss allowance to noncurrent loans | 99.3292% | 2,829 |
| Noncurrent assets plus other real estate owned to assets | 4.5906% | 1,402 |
| Noncurrent loans to loans | 3.1330% | 2,443 |
| Net loans and leases to total assets | 81.7891% | 719 |
| Net loans and leases to deposits | 99.4233% | 952 |
| Net loans and leases to core deposits | 134.1356% | 1,045 |
| Total domestic deposits to total assets | 82.2635% | 4,830 |
| Equity capital to assets | 8.2725% | 6,235 |
| Core capital (leverage) ratio | 8.3554% | 5,530 |
| Tier 1 risk-based capital ratio | 9.0785% | 7,435 |
| Total risk-based capital ratio | 10.3488% | 7,447 |
| Memoranda: | ||
| Average total assets | $261,897,600 | 2,498 |
| Average earning assets | $240,447,000 | 2,497 |
| Average equity | $26,203,000 | 2,512 |
| Average total loans | $232,153,200 | 2,017 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9769% | 311 |
| Cost of funding earning assets | 1.9573% | 3,583 |
| Net interest margin | 5.0196% | 423 |
| Noninterest income to average assets | 1.5927% | 582 |
| Noninterest expense to average assets | 5.7222% | 341 |
| Loan and lease loss provision to assets | 2.0069% | 901 |
| Net operating income to assets | -1.5206% | 7,125 |
| Return on assets (ROA) | -1.5206% | 7,121 |
| Pretax return on assets | -1.5206% | 6,973 |
| Return on Equity (ROE) | -14.5091% | 7,164 |
| Retained earnings to average equity (ytd only) | -14.5091% | 7,102 |
| Net charge-offs to loans | 1.5719% | 1,304 |
| Credit loss provision to net charge-offs | 142.1691% | 3,446 |
| Earnings coverage of net charge-offs (x) | 0.3445% | 5,679 |
| Efficiency ratio | 91.4068% | 1,583 |
| Assets per employee ($millions) | 3.1172% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9094% | 716 |
| Loan loss allowance to noncurrent loans | 79.5707% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 3.7254% | 1,746 |
| Noncurrent loans to loans | 3.6564% | 2,045 |
| Net loans and leases to total assets | 83.9776% | 542 |
| Net loans and leases to deposits | 109.5772% | 479 |
| Net loans and leases to core deposits | 142.9271% | 800 |
| Total domestic deposits to total assets | 76.6379% | 6,439 |
| Equity capital to assets | 9.3328% | 4,979 |
| Core capital (leverage) ratio | 9.3663% | 4,093 |
| Tier 1 risk-based capital ratio | 10.1575% | 6,821 |
| Total risk-based capital ratio | 11.4366% | 6,732 |
| Memoranda: | ||
| Average total assets | $256,912,750 | 2,554 |
| Average earning assets | $236,239,750 | 2,557 |
| Average equity | $26,925,000 | 2,475 |
| Average total loans | $230,712,500 | 2,054 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1378% | 257 |
| Cost of funding earning assets | 2.0336% | 3,603 |
| Net interest margin | 5.1042% | 354 |
| Noninterest income to average assets | 0.9353% | 1,819 |
| Noninterest expense to average assets | 5.2837% | 429 |
| Loan and lease loss provision to assets | 1.0956% | 1,565 |
| Net operating income to assets | -0.7710% | 6,810 |
| Return on assets (ROA) | -0.7710% | 6,814 |
| Pretax return on assets | -0.7710% | 6,663 |
| Return on Equity (ROE) | -7.0826% | 6,811 |
| Retained earnings to average equity (ytd only) | -7.0826% | 6,572 |
| Net charge-offs to loans | 1.5422% | 1,228 |
| Credit loss provision to net charge-offs | 78.0968% | 5,245 |
| Earnings coverage of net charge-offs (x) | 0.2314% | 5,441 |
| Efficiency ratio | 93.3521% | 1,544 |
| Assets per employee ($millions) | 2.4324% | 7,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2262% | 1,199 |
| Loan loss allowance to noncurrent loans | 1,103.8136% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.9361% | 5,105 |
| Noncurrent loans to loans | 0.2017% | 7,012 |
| Net loans and leases to total assets | 90.4531% | 110 |
| Net loans and leases to deposits | 104.7058% | 857 |
| Net loans and leases to core deposits | 132.1694% | 1,424 |
| Total domestic deposits to total assets | 86.3878% | 2,575 |
| Equity capital to assets | 10.6470% | 3,257 |
| Core capital (leverage) ratio | 10.6671% | 2,691 |
| Tier 1 risk-based capital ratio | 10.7836% | 6,106 |
| Total risk-based capital ratio | 12.0477% | 6,024 |
| Memoranda: | ||
| Average total assets | $253,192,000 | 2,602 |
| Average earning assets | $231,808,000 | 2,613 |
| Average equity | $27,560,330 | 2,432 |
| Average total loans | $230,327,000 | 2,080 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0477% | 307 |
| Cost of funding earning assets | 2.0737% | 3,780 |
| Net interest margin | 4.9740% | 429 |
| Noninterest income to average assets | 0.9459% | 1,664 |
| Noninterest expense to average assets | 5.0769% | 460 |
| Loan and lease loss provision to assets | 0.4311% | 2,770 |
| Net operating income to assets | -0.0205% | 6,290 |
| Return on assets (ROA) | -0.0205% | 6,420 |
| Pretax return on assets | -0.0205% | 6,402 |
| Return on Equity (ROE) | -0.1866% | 6,426 |
| Retained earnings to average equity (ytd only) | -0.1866% | 5,684 |
| Net charge-offs to loans | 1.6387% | 883 |
| Credit loss provision to net charge-offs | 29.1667% | 4,958 |
| Earnings coverage of net charge-offs (x) | 0.2778% | 4,749 |
| Efficiency ratio | 91.6547% | 1,598 |
| Assets per employee ($millions) | 2.2840% | 7,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1584% | 1,129 |
| Loan loss allowance to noncurrent loans | 633.6329% | 572 |
| Noncurrent assets plus other real estate owned to assets | 1.0647% | 4,562 |
| Noncurrent loans to loans | 0.3406% | 6,578 |
| Net loans and leases to total assets | 89.0592% | 194 |
| Net loans and leases to deposits | 103.0660% | 1,085 |
| Net loans and leases to core deposits | 130.2413% | 1,643 |
| Total domestic deposits to total assets | 86.4099% | 2,499 |
| Equity capital to assets | 11.0992% | 2,888 |
| Core capital (leverage) ratio | 11.1196% | 2,407 |
| Tier 1 risk-based capital ratio | 11.3207% | 5,578 |
| Total risk-based capital ratio | 12.5837% | 5,479 |
| Memoranda: | ||
| Average total assets | $253,302,000 | 2,610 |
| Average earning assets | $231,282,500 | 2,633 |
| Average equity | $27,873,500 | 2,426 |
| Average total loans | $228,475,000 | 2,113 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3947% | 498 |
| Cost of funding earning assets | 2.5129% | 4,139 |
| Net interest margin | 4.8818% | 652 |
| Noninterest income to average assets | 0.9804% | 1,646 |
| Noninterest expense to average assets | 4.8870% | 669 |
| Loan and lease loss provision to assets | 1.9660% | 616 |
| Net operating income to assets | -1.3870% | 7,421 |
| Return on assets (ROA) | -1.5148% | 7,415 |
| Pretax return on assets | -1.5148% | 7,259 |
| Return on Equity (ROE) | -12.3029% | 7,443 |
| Retained earnings to average equity (ytd only) | -12.3029% | 7,267 |
| Net charge-offs to loans | 0.9675% | 1,274 |
| Credit loss provision to net charge-offs | 237.0139% | 1,994 |
| Earnings coverage of net charge-offs (x) | 0.6980% | 5,806 |
| Efficiency ratio | 88.5546% | 1,624 |
| Assets per employee ($millions) | 2.2801% | 7,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4524% | 719 |
| Loan loss allowance to noncurrent loans | 224.9096% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.9747% | 4,395 |
| Noncurrent loans to loans | 1.0904% | 4,378 |
| Net loans and leases to total assets | 87.1946% | 452 |
| Net loans and leases to deposits | 102.4067% | 1,544 |
| Net loans and leases to core deposits | 124.4400% | 2,288 |
| Total domestic deposits to total assets | 85.1454% | 2,777 |
| Equity capital to assets | 10.9105% | 3,110 |
| Core capital (leverage) ratio | 11.3085% | 2,366 |
| Tier 1 risk-based capital ratio | 11.4401% | 5,297 |
| Total risk-based capital ratio | 12.7030% | 5,182 |
| Memoranda: | ||
| Average total assets | $251,117,600 | 2,552 |
| Average earning assets | $230,732,400 | 2,547 |
| Average equity | $30,919,600 | 2,178 |
| Average total loans | $215,294,800 | 2,171 |