Home > Ameriserv Financial Bank > Performance and Condition Ratios
Ameriserv Financial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9774% | 2,117 |
| Cost of funding earning assets | 1.9584% | 981 |
| Net interest margin | 3.0190% | 3,237 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.6715% | 1,816 |
| Loan and lease loss provision to assets | 0.5500% | 157 |
| Net operating income to assets | -0.0707% | 4,418 |
| Return on assets (ROA) | -0.0185% | 4,381 |
| Pretax return on assets | -0.0348% | 4,375 |
| Return on Equity (ROE) | -0.2200% | 4,356 |
| Retained earnings to average equity (ytd only) | -2.8052% | 4,319 |
| Net charge-offs to loans | 0.3457% | 315 |
| Credit loss provision to net charge-offs | 189.8467% | 1,260 |
| Earnings coverage of net charge-offs (x) | 1.7559% | 2,743 |
| Efficiency ratio | 85.5202% | 590 |
| Assets per employee ($millions) | 5.8418% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 1,204 |
| Loan loss allowance to noncurrent loans | 121.6109% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 554 |
| Noncurrent loans to loans | 1.1920% | 598 |
| Net loans and leases to total assets | 74.2300% | 1,322 |
| Net loans and leases to deposits | 88.0628% | 1,428 |
| Net loans and leases to core deposits | 94.7339% | 1,726 |
| Total domestic deposits to total assets | 84.2900% | 2,540 |
| Equity capital to assets | 8.3648% | 3,147 |
| Core capital (leverage) ratio | 8.7798% | 3,922 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8174% | 2,624 |
| Memoranda: | ||
| Average total assets | $1,348,940,600 | 770 |
| Average earning assets | $1,215,227,000 | 788 |
| Average equity | $115,855,800 | 852 |
| Average total loans | $1,000,126,000 | 727 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9278% | 2,003 |
| Cost of funding earning assets | 1.8425% | 943 |
| Net interest margin | 3.0853% | 3,164 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.6893% | 1,695 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.3065% | 4,109 |
| Return on assets (ROA) | 0.4455% | 3,878 |
| Pretax return on assets | 0.5550% | 3,816 |
| Return on Equity (ROE) | 5.1500% | 3,784 |
| Retained earnings to average equity (ytd only) | 1.7036% | 3,794 |
| Net charge-offs to loans | 0.0252% | 1,573 |
| Credit loss provision to net charge-offs | 295.7219% | 897 |
| Earnings coverage of net charge-offs (x) | 28.0642% | 1,628 |
| Efficiency ratio | 83.6908% | 633 |
| Assets per employee ($millions) | 5.6457% | 3,066 |
| Cash dividends to net income (ytd only)* | 66.9344% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,228 |
| Loan loss allowance to noncurrent loans | 207.3245% | 2,457 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 1,324 |
| Noncurrent loans to loans | 0.5925% | 1,354 |
| Net loans and leases to total assets | 73.3700% | 1,424 |
| Net loans and leases to deposits | 87.4729% | 1,429 |
| Net loans and leases to core deposits | 94.3880% | 1,653 |
| Total domestic deposits to total assets | 83.8800% | 2,807 |
| Equity capital to assets | 8.4241% | 2,772 |
| Core capital (leverage) ratio | 9.3349% | 3,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3979% | 2,479 |
| Memoranda: | ||
| Average total assets | $1,341,510,750 | 782 |
| Average earning assets | $1,207,056,250 | 798 |
| Average equity | $115,989,250 | 845 |
| Average total loans | $990,557,250 | 732 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8557% | 1,871 |
| Cost of funding earning assets | 1.7093% | 873 |
| Net interest margin | 3.1464% | 3,113 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.7070% | 1,623 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.2757% | 4,194 |
| Return on assets (ROA) | 0.4846% | 3,848 |
| Pretax return on assets | 0.6071% | 3,787 |
| Return on Equity (ROE) | 5.5600% | 3,786 |
| Retained earnings to average equity (ytd only) | 2.1308% | 3,697 |
| Net charge-offs to loans | 0.0124% | 1,733 |
| Credit loss provision to net charge-offs | 549.1803% | 611 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 1,211 |
| Efficiency ratio | 83.6011% | 617 |
| Assets per employee ($millions) | 5.4637% | 3,180 |
| Cash dividends to net income (ytd only)* | 61.6523% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2367% | 2,244 |
| Loan loss allowance to noncurrent loans | 216.3009% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 1,261 |
| Noncurrent loans to loans | 0.5717% | 1,309 |
| Net loans and leases to total assets | 73.2100% | 1,385 |
| Net loans and leases to deposits | 86.3255% | 1,475 |
| Net loans and leases to core deposits | 92.2104% | 1,670 |
| Total domestic deposits to total assets | 84.8100% | 2,596 |
| Equity capital to assets | 8.6737% | 2,731 |
| Core capital (leverage) ratio | 9.3702% | 3,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6498% | 2,419 |
| Memoranda: | ||
| Average total assets | $1,338,906,000 | 770 |
| Average earning assets | $1,205,183,667 | 789 |
| Average equity | $116,763,000 | 837 |
| Average total loans | $986,641,000 | 720 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7971% | 1,627 |
| Cost of funding earning assets | 1.5879% | 715 |
| Net interest margin | 3.2092% | 3,092 |
| Noninterest income to average assets | 0.9200% | 655 |
| Noninterest expense to average assets | 2.6076% | 1,933 |
| Loan and lease loss provision to assets | 0.3500% | 235 |
| Net operating income to assets | 0.6791% | 3,512 |
| Return on assets (ROA) | 0.6791% | 3,466 |
| Pretax return on assets | 0.8502% | 3,348 |
| Return on Equity (ROE) | 7.7700% | 3,352 |
| Retained earnings to average equity (ytd only) | 4.3570% | 3,165 |
| Net charge-offs to loans | 0.0471% | 891 |
| Credit loss provision to net charge-offs | 259.4828% | 737 |
| Earnings coverage of net charge-offs (x) | 34.7500% | 1,246 |
| Efficiency ratio | 68.3988% | 1,931 |
| Assets per employee ($millions) | 5.5099% | 3,213 |
| Cash dividends to net income (ytd only)* | 43.8982% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2369% | 2,352 |
| Loan loss allowance to noncurrent loans | 265.9943% | 2,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3449% | 1,488 |
| Noncurrent loans to loans | 0.4650% | 1,556 |
| Net loans and leases to total assets | 72.6500% | 1,355 |
| Net loans and leases to deposits | 85.3653% | 1,399 |
| Net loans and leases to core deposits | 91.4349% | 1,535 |
| Total domestic deposits to total assets | 85.1100% | 2,832 |
| Equity capital to assets | 8.7915% | 2,666 |
| Core capital (leverage) ratio | 9.3333% | 3,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7301% | 2,485 |
| Memoranda: | ||
| Average total assets | $1,341,792,000 | 780 |
| Average earning assets | $1,207,150,500 | 800 |
| Average equity | $117,328,500 | 839 |
| Average total loans | $985,851,000 | 734 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0809% | 1,516 |
| Cost of funding earning assets | 0.6226% | 820 |
| Net interest margin | 3.4583% | 2,072 |
| Noninterest income to average assets | 0.4800% | 2,209 |
| Noninterest expense to average assets | 2.7931% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6483% | 3,762 |
| Return on assets (ROA) | 0.6484% | 3,712 |
| Pretax return on assets | 0.8037% | 3,612 |
| Return on Equity (ROE) | 7.1800% | 3,594 |
| Retained earnings to average equity (ytd only) | 3.8376% | 3,450 |
| Net charge-offs to loans | 0.1740% | 482 |
| Credit loss provision to net charge-offs | 2.9326% | 1,975 |
| Earnings coverage of net charge-offs (x) | 6.2762% | 2,342 |
| Efficiency ratio | 77.5116% | 887 |
| Assets per employee ($millions) | 5.4577% | 3,266 |
| Cash dividends to net income (ytd only)* | 46.5495% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 2,969 |
| Loan loss allowance to noncurrent loans | 208.1573% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 1,326 |
| Noncurrent loans to loans | 0.5209% | 1,402 |
| Net loans and leases to total assets | 72.7000% | 1,344 |
| Net loans and leases to deposits | 88.1943% | 1,162 |
| Net loans and leases to core deposits | 94.4837% | 1,273 |
| Total domestic deposits to total assets | 82.4400% | 3,541 |
| Equity capital to assets | 8.5526% | 2,675 |
| Core capital (leverage) ratio | 9.3861% | 3,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4605% | 2,583 |
| Memoranda: | ||
| Average total assets | $1,325,298,200 | 771 |
| Average earning assets | $1,196,033,000 | 793 |
| Average equity | $119,684,800 | 822 |
| Average total loans | $980,118,200 | 699 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 1,419 |
| Cost of funding earning assets | 0.4530% | 968 |
| Net interest margin | 3.4734% | 1,740 |
| Noninterest income to average assets | 0.4900% | 2,220 |
| Noninterest expense to average assets | 2.7268% | 1,410 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.7340% | 3,468 |
| Return on assets (ROA) | 0.7340% | 3,412 |
| Pretax return on assets | 0.9189% | 3,262 |
| Return on Equity (ROE) | 8.0200% | 3,324 |
| Retained earnings to average equity (ytd only) | 4.7081% | 3,194 |
| Net charge-offs to loans | 0.0151% | 1,562 |
| Credit loss provision to net charge-offs | -202.7027% | 4,663 |
| Earnings coverage of net charge-offs (x) | 79.9009% | 1,045 |
| Efficiency ratio | 75.2015% | 1,152 |
| Assets per employee ($millions) | 5.6394% | 3,085 |
| Cash dividends to net income (ytd only)* | 41.2939% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2298% | 2,367 |
| Loan loss allowance to noncurrent loans | 202.8250% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 1,205 |
| Noncurrent loans to loans | 0.6063% | 1,340 |
| Net loans and leases to total assets | 72.4800% | 1,234 |
| Net loans and leases to deposits | 83.8560% | 1,309 |
| Net loans and leases to core deposits | 89.0795% | 1,357 |
| Total domestic deposits to total assets | 86.4400% | 2,948 |
| Equity capital to assets | 8.4561% | 2,576 |
| Core capital (leverage) ratio | 9.4411% | 3,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5969% | 2,623 |
| Memoranda: | ||
| Average total assets | $1,319,607,750 | 784 |
| Average earning assets | $1,191,487,750 | 807 |
| Average equity | $120,782,500 | 826 |
| Average total loans | $977,789,000 | 695 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7778% | 1,357 |
| Cost of funding earning assets | 0.3596% | 1,191 |
| Net interest margin | 3.4182% | 1,545 |
| Noninterest income to average assets | 0.4556% | 2,415 |
| Noninterest expense to average assets | 2.7581% | 1,256 |
| Loan and lease loss provision to assets | -0.1104% | 4,610 |
| Net operating income to assets | 0.7201% | 3,241 |
| Return on assets (ROA) | 0.7201% | 3,192 |
| Pretax return on assets | 0.9011% | 3,060 |
| Return on Equity (ROE) | 7.6696% | 3,110 |
| Retained earnings to average equity (ytd only) | 4.4273% | 2,911 |
| Net charge-offs to loans | 0.0215% | 1,298 |
| Credit loss provision to net charge-offs | -690.4762% | 3,451 |
| Earnings coverage of net charge-offs (x) | 49.4762% | 1,162 |
| Efficiency ratio | 77.6496% | 1,111 |
| Assets per employee ($millions) | 5.4030% | 3,326 |
| Cash dividends to net income (ytd only)* | 42.2744% | 1,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1980% | 2,688 |
| Loan loss allowance to noncurrent loans | 357.0370% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2478% | 2,084 |
| Noncurrent loans to loans | 0.3355% | 2,136 |
| Net loans and leases to total assets | 72.9636% | 1,009 |
| Net loans and leases to deposits | 83.2812% | 1,168 |
| Net loans and leases to core deposits | 88.2654% | 1,208 |
| Total domestic deposits to total assets | 87.6112% | 2,728 |
| Equity capital to assets | 8.9851% | 2,394 |
| Core capital (leverage) ratio | 9.2828% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8670% | 2,547 |
| Memoranda: | ||
| Average total assets | $1,313,967,667 | 782 |
| Average earning assets | $1,189,054,667 | 803 |
| Average equity | $123,370,667 | 810 |
| Average total loans | $976,772,000 | 682 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 1,294 |
| Cost of funding earning assets | 0.3351% | 1,324 |
| Net interest margin | 3.3531% | 1,430 |
| Noninterest income to average assets | 0.4531% | 2,383 |
| Noninterest expense to average assets | 2.6775% | 1,410 |
| Loan and lease loss provision to assets | -0.1215% | 4,621 |
| Net operating income to assets | 0.7434% | 2,880 |
| Return on assets (ROA) | 0.7434% | 2,873 |
| Pretax return on assets | 0.9296% | 2,664 |
| Return on Equity (ROE) | 7.7521% | 2,777 |
| Retained earnings to average equity (ytd only) | 4.5854% | 2,743 |
| Net charge-offs to loans | 0.0309% | 994 |
| Credit loss provision to net charge-offs | -526.3158% | 3,151 |
| Earnings coverage of net charge-offs (x) | 35.0132% | 1,070 |
| Efficiency ratio | 76.7468% | 1,442 |
| Assets per employee ($millions) | 5.6440% | 3,185 |
| Cash dividends to net income (ytd only)* | 40.8497% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,763 |
| Loan loss allowance to noncurrent loans | 350.5440% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 0.2586% | 2,112 |
| Noncurrent loans to loans | 0.3475% | 2,242 |
| Net loans and leases to total assets | 73.5159% | 697 |
| Net loans and leases to deposits | 84.7235% | 833 |
| Net loans and leases to core deposits | 90.0469% | 922 |
| Total domestic deposits to total assets | 86.7716% | 3,008 |
| Equity capital to assets | 9.4867% | 2,292 |
| Core capital (leverage) ratio | 9.2351% | 3,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5867% | 2,749 |
| Memoranda: | ||
| Average total assets | $1,317,188,000 | 789 |
| Average earning assets | $1,191,244,000 | 808 |
| Average equity | $126,314,500 | 812 |
| Average total loans | $982,364,500 | 677 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 1,617 |
| Cost of funding earning assets | 0.4851% | 988 |
| Net interest margin | 3.4140% | 1,981 |
| Noninterest income to average assets | 0.5078% | 2,526 |
| Noninterest expense to average assets | 2.7771% | 1,420 |
| Loan and lease loss provision to assets | 0.0839% | 1,461 |
| Net operating income to assets | 0.6063% | 3,863 |
| Return on assets (ROA) | 0.6114% | 3,895 |
| Pretax return on assets | 0.7604% | 3,814 |
| Return on Equity (ROE) | 6.7322% | 3,594 |
| Retained earnings to average equity (ytd only) | 5.0525% | 2,762 |
| Net charge-offs to loans | 0.0048% | 2,425 |
| Credit loss provision to net charge-offs | 2,340.4255% | 279 |
| Earnings coverage of net charge-offs (x) | 233.7234% | 492 |
| Efficiency ratio | 76.7819% | 1,046 |
| Assets per employee ($millions) | 5.6142% | 3,152 |
| Cash dividends to net income (ytd only)* | 24.9501% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 2,585 |
| Loan loss allowance to noncurrent loans | 373.0966% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.2519% | 2,309 |
| Noncurrent loans to loans | 0.3370% | 2,375 |
| Net loans and leases to total assets | 73.7982% | 679 |
| Net loans and leases to deposits | 85.4386% | 829 |
| Net loans and leases to core deposits | 90.7465% | 938 |
| Total domestic deposits to total assets | 86.3757% | 2,770 |
| Equity capital to assets | 9.6924% | 2,951 |
| Core capital (leverage) ratio | 9.1232% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6559% | 2,733 |
| Memoranda: | ||
| Average total assets | $1,311,030,400 | 760 |
| Average earning assets | $1,193,195,400 | 775 |
| Average equity | $119,070,200 | 871 |
| Average total loans | $987,966,800 | 665 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8967% | 1,775 |
| Cost of funding earning assets | 0.5206% | 950 |
| Net interest margin | 3.3762% | 2,219 |
| Noninterest income to average assets | 0.5071% | 2,594 |
| Noninterest expense to average assets | 2.7615% | 1,430 |
| Loan and lease loss provision to assets | 0.0866% | 1,373 |
| Net operating income to assets | 0.5905% | 4,018 |
| Return on assets (ROA) | 0.5973% | 4,060 |
| Pretax return on assets | 0.7452% | 3,998 |
| Return on Equity (ROE) | 6.6899% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.5491% | 3,024 |
| Net charge-offs to loans | 0.0096% | 1,963 |
| Credit loss provision to net charge-offs | 1,197.1831% | 470 |
| Earnings coverage of net charge-offs (x) | 113.8310% | 803 |
| Efficiency ratio | 77.0039% | 958 |
| Assets per employee ($millions) | 5.8032% | 2,885 |
| Cash dividends to net income (ytd only)* | 17.0532% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,909 |
| Loan loss allowance to noncurrent loans | 389.7139% | 1,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2351% | 2,602 |
| Noncurrent loans to loans | 0.3123% | 2,665 |
| Net loans and leases to total assets | 74.3620% | 662 |
| Net loans and leases to deposits | 85.9613% | 826 |
| Net loans and leases to core deposits | 91.8067% | 930 |
| Total domestic deposits to total assets | 86.5064% | 2,553 |
| Equity capital to assets | 9.4712% | 3,404 |
| Core capital (leverage) ratio | 8.8670% | 3,694 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2805% | 2,910 |
| Memoranda: | ||
| Average total assets | $1,308,956,250 | 769 |
| Average earning assets | $1,193,239,000 | 786 |
| Average equity | $116,869,250 | 902 |
| Average total loans | $988,449,250 | 676 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9465% | 1,690 |
| Cost of funding earning assets | 0.5411% | 984 |
| Net interest margin | 3.4054% | 2,125 |
| Noninterest income to average assets | 0.5290% | 2,494 |
| Noninterest expense to average assets | 2.7955% | 1,365 |
| Loan and lease loss provision to assets | 0.0767% | 1,556 |
| Net operating income to assets | 0.6173% | 3,944 |
| Return on assets (ROA) | 0.6276% | 3,983 |
| Pretax return on assets | 0.7841% | 3,902 |
| Return on Equity (ROE) | 7.1773% | 3,609 |
| Retained earnings to average equity (ytd only) | 5.4238% | 3,028 |
| Net charge-offs to loans | 0.0189% | 1,563 |
| Credit loss provision to net charge-offs | 537.6344% | 657 |
| Earnings coverage of net charge-offs (x) | 59.4516% | 977 |
| Efficiency ratio | 76.7162% | 1,014 |
| Assets per employee ($millions) | 5.8053% | 2,805 |
| Cash dividends to net income (ytd only)* | 24.4320% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 3,032 |
| Loan loss allowance to noncurrent loans | 316.5948% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2756% | 2,549 |
| Noncurrent loans to loans | 0.3739% | 2,563 |
| Net loans and leases to total assets | 72.8465% | 870 |
| Net loans and leases to deposits | 83.9318% | 1,073 |
| Net loans and leases to core deposits | 89.7200% | 1,159 |
| Total domestic deposits to total assets | 86.7925% | 2,432 |
| Equity capital to assets | 8.8040% | 3,971 |
| Core capital (leverage) ratio | 8.6395% | 3,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8687% | 2,982 |
| Memoranda: | ||
| Average total assets | $1,304,232,000 | 772 |
| Average earning assets | $1,192,760,000 | 778 |
| Average equity | $114,053,667 | 910 |
| Average total loans | $985,922,667 | 679 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 1,595 |
| Cost of funding earning assets | 0.5693% | 1,011 |
| Net interest margin | 3.4385% | 1,995 |
| Noninterest income to average assets | 0.6011% | 2,209 |
| Noninterest expense to average assets | 2.7621% | 1,463 |
| Loan and lease loss provision to assets | 0.1247% | 1,102 |
| Net operating income to assets | 0.6822% | 3,754 |
| Return on assets (ROA) | 0.6822% | 3,817 |
| Pretax return on assets | 0.8534% | 3,714 |
| Return on Equity (ROE) | 7.8287% | 3,381 |
| Retained earnings to average equity (ytd only) | 4.2507% | 3,437 |
| Net charge-offs to loans | 0.0464% | 1,021 |
| Credit loss provision to net charge-offs | 350.8772% | 698 |
| Earnings coverage of net charge-offs (x) | 27.5175% | 1,129 |
| Efficiency ratio | 73.8496% | 1,327 |
| Assets per employee ($millions) | 5.5432% | 3,075 |
| Cash dividends to net income (ytd only)* | 45.7038% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 3,042 |
| Loan loss allowance to noncurrent loans | 278.7872% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 2,539 |
| Noncurrent loans to loans | 0.4229% | 2,590 |
| Net loans and leases to total assets | 75.1609% | 702 |
| Net loans and leases to deposits | 87.2580% | 872 |
| Net loans and leases to core deposits | 93.7827% | 997 |
| Total domestic deposits to total assets | 86.1364% | 2,687 |
| Equity capital to assets | 8.6402% | 4,006 |
| Core capital (leverage) ratio | 9.0013% | 3,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0370% | 2,926 |
| Memoranda: | ||
| Average total assets | $1,282,936,500 | 776 |
| Average earning assets | $1,171,200,000 | 784 |
| Average equity | $111,793,500 | 919 |
| Average total loans | $982,451,000 | 687 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2298% | 2,059 |
| Cost of funding earning assets | 0.8037% | 1,191 |
| Net interest margin | 3.4261% | 2,689 |
| Noninterest income to average assets | 0.5585% | 2,381 |
| Noninterest expense to average assets | 2.8984% | 1,691 |
| Loan and lease loss provision to assets | 0.1962% | 1,991 |
| Net operating income to assets | 0.4785% | 4,077 |
| Return on assets (ROA) | 0.4785% | 4,159 |
| Pretax return on assets | 0.5887% | 4,100 |
| Return on Equity (ROE) | 5.3356% | 3,803 |
| Retained earnings to average equity (ytd only) | 3.4932% | 3,082 |
| Net charge-offs to loans | 0.0334% | 2,378 |
| Credit loss provision to net charge-offs | 768.6084% | 937 |
| Earnings coverage of net charge-offs (x) | 30.7508% | 1,587 |
| Efficiency ratio | 78.6898% | 981 |
| Assets per employee ($millions) | 5.4453% | 2,897 |
| Cash dividends to net income (ytd only)* | 34.5304% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 3,166 |
| Loan loss allowance to noncurrent loans | 453.8000% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 3,297 |
| Noncurrent loans to loans | 0.2555% | 3,278 |
| Net loans and leases to total assets | 76.2165% | 762 |
| Net loans and leases to deposits | 91.6483% | 805 |
| Net loans and leases to core deposits | 99.3455% | 935 |
| Total domestic deposits to total assets | 83.1620% | 3,361 |
| Equity capital to assets | 8.7892% | 4,233 |
| Core capital (leverage) ratio | 9.0317% | 3,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9459% | 2,939 |
| Memoranda: | ||
| Average total assets | $1,210,552,600 | 743 |
| Average earning assets | $1,104,118,000 | 747 |
| Average equity | $108,553,200 | 900 |
| Average total loans | $924,207,000 | 696 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2886% | 2,133 |
| Cost of funding earning assets | 0.8549% | 1,232 |
| Net interest margin | 3.4337% | 2,802 |
| Noninterest income to average assets | 0.5341% | 2,450 |
| Noninterest expense to average assets | 2.8764% | 1,752 |
| Loan and lease loss provision to assets | 0.1449% | 2,573 |
| Net operating income to assets | 0.5162% | 3,988 |
| Return on assets (ROA) | 0.5162% | 4,084 |
| Pretax return on assets | 0.6454% | 4,018 |
| Return on Equity (ROE) | 5.7258% | 3,650 |
| Retained earnings to average equity (ytd only) | 3.2525% | 3,416 |
| Net charge-offs to loans | 0.0432% | 2,008 |
| Credit loss provision to net charge-offs | 440.6780% | 1,384 |
| Earnings coverage of net charge-offs (x) | 24.0305% | 1,770 |
| Efficiency ratio | 78.4470% | 987 |
| Assets per employee ($millions) | 5.2352% | 2,976 |
| Cash dividends to net income (ytd only)* | 43.1965% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 3,290 |
| Loan loss allowance to noncurrent loans | 596.5197% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 3,709 |
| Noncurrent loans to loans | 0.1816% | 3,658 |
| Net loans and leases to total assets | 75.3690% | 1,181 |
| Net loans and leases to deposits | 90.0855% | 1,254 |
| Net loans and leases to core deposits | 97.3922% | 1,351 |
| Total domestic deposits to total assets | 83.6639% | 2,940 |
| Equity capital to assets | 8.7948% | 4,255 |
| Core capital (leverage) ratio | 9.0509% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8021% | 2,962 |
| Memoranda: | ||
| Average total assets | $1,196,002,250 | 743 |
| Average earning assets | $1,091,109,250 | 744 |
| Average equity | $107,813,250 | 899 |
| Average total loans | $910,672,500 | 700 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4402% | 2,096 |
| Cost of funding earning assets | 0.9217% | 1,272 |
| Net interest margin | 3.5185% | 2,728 |
| Noninterest income to average assets | 0.4967% | 2,586 |
| Noninterest expense to average assets | 2.9020% | 1,824 |
| Loan and lease loss provision to assets | 0.1060% | 2,947 |
| Net operating income to assets | 0.5561% | 3,868 |
| Return on assets (ROA) | 0.5561% | 3,949 |
| Pretax return on assets | 0.7004% | 3,867 |
| Return on Equity (ROE) | 6.1162% | 3,463 |
| Retained earnings to average equity (ytd only) | 4.2509% | 2,799 |
| Net charge-offs to loans | 0.0457% | 1,837 |
| Credit loss provision to net charge-offs | 304.8780% | 1,606 |
| Earnings coverage of net charge-offs (x) | 23.1951% | 1,605 |
| Efficiency ratio | 78.2549% | 1,029 |
| Assets per employee ($millions) | 5.1790% | 2,965 |
| Cash dividends to net income (ytd only)* | 30.4971% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 3,346 |
| Loan loss allowance to noncurrent loans | 417.1613% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,585 |
| Noncurrent loans to loans | 0.2504% | 3,483 |
| Net loans and leases to total assets | 74.8434% | 1,298 |
| Net loans and leases to deposits | 88.9104% | 1,458 |
| Net loans and leases to core deposits | 95.9313% | 1,585 |
| Total domestic deposits to total assets | 84.1784% | 2,686 |
| Equity capital to assets | 8.8910% | 4,176 |
| Core capital (leverage) ratio | 9.2226% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0110% | 2,964 |
| Memoranda: | ||
| Average total assets | $1,179,343,000 | 745 |
| Average earning assets | $1,076,484,667 | 746 |
| Average equity | $107,223,667 | 898 |
| Average total loans | $897,774,333 | 696 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5115% | 2,286 |
| Cost of funding earning assets | 1.0563% | 1,198 |
| Net interest margin | 3.4552% | 3,139 |
| Noninterest income to average assets | 0.5038% | 2,532 |
| Noninterest expense to average assets | 2.8986% | 2,130 |
| Loan and lease loss provision to assets | 0.0606% | 3,014 |
| Net operating income to assets | 0.5515% | 3,735 |
| Return on assets (ROA) | 0.5515% | 3,798 |
| Pretax return on assets | 0.6952% | 3,698 |
| Return on Equity (ROE) | 5.9960% | 3,318 |
| Retained earnings to average equity (ytd only) | 5.9960% | 1,872 |
| Net charge-offs to loans | 0.0544% | 1,465 |
| Credit loss provision to net charge-offs | 145.8333% | 1,596 |
| Earnings coverage of net charge-offs (x) | 18.1917% | 1,473 |
| Efficiency ratio | 79.3179% | 1,209 |
| Assets per employee ($millions) | 4.8495% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0638% | 3,385 |
| Loan loss allowance to noncurrent loans | 649.5477% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 4,008 |
| Noncurrent loans to loans | 0.1638% | 3,876 |
| Net loans and leases to total assets | 75.2111% | 1,425 |
| Net loans and leases to deposits | 90.6318% | 1,440 |
| Net loans and leases to core deposits | 97.6943% | 1,664 |
| Total domestic deposits to total assets | 82.9853% | 3,120 |
| Equity capital to assets | 9.3311% | 4,368 |
| Core capital (leverage) ratio | 9.6441% | 3,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2291% | 3,033 |
| Memoranda: | ||
| Average total assets | $1,155,299,000 | 726 |
| Average earning assets | $1,053,480,000 | 731 |
| Average equity | $106,270,000 | 902 |
| Average total loans | $882,486,500 | 684 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6952% | 2,344 |
| Cost of funding earning assets | 1.2040% | 1,016 |
| Net interest margin | 3.4912% | 3,479 |
| Noninterest income to average assets | 0.4784% | 2,864 |
| Noninterest expense to average assets | 2.8242% | 2,522 |
| Loan and lease loss provision to assets | 0.0691% | 2,627 |
| Net operating income to assets | 0.6041% | 4,147 |
| Return on assets (ROA) | 0.6118% | 4,187 |
| Pretax return on assets | 0.7718% | 4,042 |
| Return on Equity (ROE) | 6.6736% | 3,672 |
| Retained earnings to average equity (ytd only) | 3.0927% | 3,477 |
| Net charge-offs to loans | 0.0219% | 2,976 |
| Credit loss provision to net charge-offs | 416.6667% | 686 |
| Earnings coverage of net charge-offs (x) | 50.1198% | 1,129 |
| Efficiency ratio | 77.2597% | 1,235 |
| Assets per employee ($millions) | 4.8184% | 2,817 |
| Cash dividends to net income (ytd only)* | 53.6572% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0454% | 3,246 |
| Loan loss allowance to noncurrent loans | 624.0081% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 3,975 |
| Noncurrent loans to loans | 0.1675% | 3,862 |
| Net loans and leases to total assets | 75.9491% | 1,426 |
| Net loans and leases to deposits | 91.4213% | 1,440 |
| Net loans and leases to core deposits | 98.4977% | 1,696 |
| Total domestic deposits to total assets | 83.0760% | 3,166 |
| Equity capital to assets | 9.0661% | 4,648 |
| Core capital (leverage) ratio | 9.5007% | 4,062 |
| Tier 1 risk-based capital ratio | 11.1716% | 4,790 |
| Total risk-based capital ratio | 12.2260% | 4,771 |
| Memoranda: | ||
| Average total assets | $1,157,637,200 | 686 |
| Average earning assets | $1,053,491,200 | 689 |
| Average equity | $106,119,200 | 856 |
| Average total loans | $875,800,200 | 660 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7038% | 2,409 |
| Cost of funding earning assets | 1.2225% | 977 |
| Net interest margin | 3.4813% | 3,628 |
| Noninterest income to average assets | 0.5110% | 2,665 |
| Noninterest expense to average assets | 2.8076% | 2,542 |
| Loan and lease loss provision to assets | -0.0202% | 5,076 |
| Net operating income to assets | 0.7028% | 4,003 |
| Return on assets (ROA) | 0.7130% | 4,042 |
| Pretax return on assets | 0.9000% | 3,874 |
| Return on Equity (ROE) | 7.7564% | 3,411 |
| Retained earnings to average equity (ytd only) | 4.4995% | 3,143 |
| Net charge-offs to loans | 0.0231% | 2,639 |
| Credit loss provision to net charge-offs | -115.8940% | 4,094 |
| Earnings coverage of net charge-offs (x) | 49.8605% | 1,195 |
| Efficiency ratio | 76.4070% | 1,282 |
| Assets per employee ($millions) | 4.8640% | 2,718 |
| Cash dividends to net income (ytd only)* | 41.9897% | 2,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 3,813 |
| Loan loss allowance to noncurrent loans | 772.6852% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0982% | 4,218 |
| Noncurrent loans to loans | 0.1234% | 4,097 |
| Net loans and leases to total assets | 74.8719% | 1,671 |
| Net loans and leases to deposits | 89.3369% | 1,772 |
| Net loans and leases to core deposits | 95.7671% | 2,019 |
| Total domestic deposits to total assets | 83.8085% | 2,891 |
| Equity capital to assets | 9.4586% | 4,491 |
| Core capital (leverage) ratio | 9.4942% | 4,171 |
| Tier 1 risk-based capital ratio | 11.1853% | 4,832 |
| Total risk-based capital ratio | 12.1404% | 4,852 |
| Memoranda: | ||
| Average total assets | $1,157,940,000 | 685 |
| Average earning assets | $1,052,237,750 | 692 |
| Average equity | $106,438,250 | 854 |
| Average total loans | $872,856,750 | 664 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7014% | 2,354 |
| Cost of funding earning assets | 1.2131% | 954 |
| Net interest margin | 3.4883% | 3,634 |
| Noninterest income to average assets | 0.4689% | 2,848 |
| Noninterest expense to average assets | 2.7921% | 2,613 |
| Loan and lease loss provision to assets | -0.0691% | 5,194 |
| Net operating income to assets | 0.7282% | 3,902 |
| Return on assets (ROA) | 0.7323% | 3,950 |
| Pretax return on assets | 0.9243% | 3,778 |
| Return on Equity (ROE) | 8.0441% | 3,274 |
| Retained earnings to average equity (ytd only) | 5.1983% | 2,671 |
| Net charge-offs to loans | 0.0388% | 2,109 |
| Credit loss provision to net charge-offs | -236.6864% | 4,007 |
| Earnings coverage of net charge-offs (x) | 29.1243% | 1,500 |
| Efficiency ratio | 76.6608% | 1,315 |
| Assets per employee ($millions) | 4.9206% | 2,581 |
| Cash dividends to net income (ytd only)* | 35.3774% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9103% | 4,048 |
| Loan loss allowance to noncurrent loans | 927.0023% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,367 |
| Noncurrent loans to loans | 0.0982% | 4,237 |
| Net loans and leases to total assets | 74.9964% | 1,724 |
| Net loans and leases to deposits | 91.0497% | 1,618 |
| Net loans and leases to core deposits | 97.4151% | 1,939 |
| Total domestic deposits to total assets | 82.3686% | 3,414 |
| Equity capital to assets | 9.1775% | 4,675 |
| Core capital (leverage) ratio | 9.3952% | 4,254 |
| Tier 1 risk-based capital ratio | 10.9878% | 4,912 |
| Total risk-based capital ratio | 11.9053% | 4,966 |
| Memoranda: | ||
| Average total assets | $1,158,044,670 | 683 |
| Average earning assets | $1,053,472,000 | 687 |
| Average equity | $105,419,330 | 854 |
| Average total loans | $872,115,000 | 667 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6280% | 2,441 |
| Cost of funding earning assets | 1.1863% | 943 |
| Net interest margin | 3.4417% | 3,769 |
| Noninterest income to average assets | 0.4717% | 2,727 |
| Noninterest expense to average assets | 2.7905% | 2,599 |
| Loan and lease loss provision to assets | -0.1392% | 5,304 |
| Net operating income to assets | 0.7516% | 3,765 |
| Return on assets (ROA) | 0.7516% | 3,813 |
| Pretax return on assets | 0.9483% | 3,615 |
| Return on Equity (ROE) | 8.2908% | 3,120 |
| Retained earnings to average equity (ytd only) | 4.4507% | 3,148 |
| Net charge-offs to loans | 0.0760% | 1,312 |
| Credit loss provision to net charge-offs | -243.9024% | 3,678 |
| Earnings coverage of net charge-offs (x) | 14.1707% | 1,804 |
| Efficiency ratio | 77.5242% | 1,323 |
| Assets per employee ($millions) | 4.8626% | 2,687 |
| Cash dividends to net income (ytd only)* | 46.3177% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9393% | 4,001 |
| Loan loss allowance to noncurrent loans | 704.9565% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1014% | 4,307 |
| Noncurrent loans to loans | 0.1332% | 4,139 |
| Net loans and leases to total assets | 74.1937% | 1,766 |
| Net loans and leases to deposits | 89.2532% | 1,721 |
| Net loans and leases to core deposits | 95.6114% | 1,966 |
| Total domestic deposits to total assets | 83.1272% | 3,341 |
| Equity capital to assets | 9.0835% | 4,627 |
| Core capital (leverage) ratio | 9.4489% | 4,199 |
| Tier 1 risk-based capital ratio | 11.0777% | 4,939 |
| Total risk-based capital ratio | 12.0149% | 4,983 |
| Memoranda: | ||
| Average total assets | $1,149,052,000 | 693 |
| Average earning assets | $1,044,249,500 | 700 |
| Average equity | $104,164,000 | 857 |
| Average total loans | $863,131,500 | 676 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4747% | 2,532 |
| Cost of funding earning assets | 0.9520% | 919 |
| Net interest margin | 3.5228% | 3,625 |
| Noninterest income to average assets | 0.4705% | 2,994 |
| Noninterest expense to average assets | 2.7583% | 2,831 |
| Loan and lease loss provision to assets | -0.0521% | 5,198 |
| Net operating income to assets | 0.7955% | 3,822 |
| Return on assets (ROA) | 0.7803% | 3,880 |
| Pretax return on assets | 0.9486% | 3,765 |
| Return on Equity (ROE) | 8.8191% | 3,085 |
| Retained earnings to average equity (ytd only) | 5.3811% | 2,542 |
| Net charge-offs to loans | 0.1069% | 1,679 |
| Credit loss provision to net charge-offs | -63.6267% | 4,352 |
| Earnings coverage of net charge-offs (x) | 11.1633% | 2,647 |
| Efficiency ratio | 75.0923% | 1,481 |
| Assets per employee ($millions) | 4.9171% | 2,597 |
| Cash dividends to net income (ytd only)* | 38.9842% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,656 |
| Loan loss allowance to noncurrent loans | 710.7377% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1202% | 4,225 |
| Noncurrent loans to loans | 0.1413% | 4,107 |
| Net loans and leases to total assets | 74.5810% | 1,824 |
| Net loans and leases to deposits | 90.0025% | 1,800 |
| Net loans and leases to core deposits | 96.1985% | 2,050 |
| Total domestic deposits to total assets | 82.8654% | 3,375 |
| Equity capital to assets | 9.0468% | 4,538 |
| Core capital (leverage) ratio | 9.2849% | 4,368 |
| Tier 1 risk-based capital ratio | 11.1354% | 4,901 |
| Total risk-based capital ratio | 12.1407% | 4,912 |
| Memoranda: | ||
| Average total assets | $1,150,583,400 | 669 |
| Average earning assets | $1,046,057,000 | 671 |
| Average equity | $101,801,400 | 837 |
| Average total loans | $882,228,000 | 630 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 2,558 |
| Cost of funding earning assets | 0.8938% | 948 |
| Net interest margin | 3.5296% | 3,598 |
| Noninterest income to average assets | 0.4728% | 3,030 |
| Noninterest expense to average assets | 2.7504% | 2,811 |
| Loan and lease loss provision to assets | 0.0116% | 3,769 |
| Net operating income to assets | 0.7661% | 4,027 |
| Return on assets (ROA) | 0.7669% | 4,031 |
| Pretax return on assets | 0.9221% | 3,945 |
| Return on Equity (ROE) | 8.7163% | 3,233 |
| Retained earnings to average equity (ytd only) | 6.0850% | 2,616 |
| Net charge-offs to loans | 0.1315% | 1,225 |
| Credit loss provision to net charge-offs | 11.4286% | 3,048 |
| Earnings coverage of net charge-offs (x) | 9.2091% | 2,659 |
| Efficiency ratio | 74.6747% | 1,501 |
| Assets per employee ($millions) | 5.0917% | 2,351 |
| Cash dividends to net income (ytd only)* | 30.1887% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0673% | 3,372 |
| Loan loss allowance to noncurrent loans | 1,044.1372% | 580 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 4,509 |
| Noncurrent loans to loans | 0.1022% | 4,429 |
| Net loans and leases to total assets | 75.6981% | 1,706 |
| Net loans and leases to deposits | 92.6432% | 1,543 |
| Net loans and leases to core deposits | 98.6007% | 1,896 |
| Total domestic deposits to total assets | 81.7093% | 3,688 |
| Equity capital to assets | 8.9157% | 4,620 |
| Core capital (leverage) ratio | 9.1590% | 4,557 |
| Tier 1 risk-based capital ratio | 10.7083% | 5,169 |
| Total risk-based capital ratio | 11.7640% | 5,152 |
| Memoranda: | ||
| Average total assets | $1,151,809,750 | 663 |
| Average earning assets | $1,047,661,500 | 671 |
| Average equity | $101,340,000 | 839 |
| Average total loans | $887,002,750 | 617 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 2,591 |
| Cost of funding earning assets | 0.8420% | 953 |
| Net interest margin | 3.5060% | 3,608 |
| Noninterest income to average assets | 0.4720% | 3,024 |
| Noninterest expense to average assets | 2.7583% | 2,812 |
| Loan and lease loss provision to assets | 0.0174% | 3,546 |
| Net operating income to assets | 0.6991% | 4,196 |
| Return on assets (ROA) | 0.7002% | 4,197 |
| Pretax return on assets | 0.8774% | 4,034 |
| Return on Equity (ROE) | 7.9944% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.0097% | 2,554 |
| Net charge-offs to loans | 0.1786% | 882 |
| Credit loss provision to net charge-offs | 12.6103% | 2,717 |
| Earnings coverage of net charge-offs (x) | 6.4805% | 2,620 |
| Efficiency ratio | 75.5356% | 1,489 |
| Assets per employee ($millions) | 5.1531% | 2,240 |
| Cash dividends to net income (ytd only)* | 24.8262% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0636% | 3,465 |
| Loan loss allowance to noncurrent loans | 951.1489% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0997% | 4,498 |
| Noncurrent loans to loans | 0.1118% | 4,406 |
| Net loans and leases to total assets | 76.0468% | 1,634 |
| Net loans and leases to deposits | 95.3970% | 1,210 |
| Net loans and leases to core deposits | 101.4710% | 1,605 |
| Total domestic deposits to total assets | 79.7161% | 4,303 |
| Equity capital to assets | 8.7443% | 4,765 |
| Core capital (leverage) ratio | 9.1187% | 4,562 |
| Tier 1 risk-based capital ratio | 10.5298% | 5,262 |
| Total risk-based capital ratio | 11.5921% | 5,240 |
| Memoranda: | ||
| Average total assets | $1,150,472,330 | 667 |
| Average earning assets | $1,043,422,670 | 676 |
| Average equity | $100,770,000 | 847 |
| Average total loans | $887,879,000 | 618 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 2,516 |
| Cost of funding earning assets | 0.7933% | 976 |
| Net interest margin | 3.5056% | 3,516 |
| Noninterest income to average assets | 0.4691% | 2,996 |
| Noninterest expense to average assets | 2.7798% | 2,770 |
| Loan and lease loss provision to assets | 0.0175% | 3,310 |
| Net operating income to assets | 0.6806% | 4,171 |
| Return on assets (ROA) | 0.6829% | 4,166 |
| Pretax return on assets | 0.8560% | 3,994 |
| Return on Equity (ROE) | 7.7895% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.7895% | 1,922 |
| Net charge-offs to loans | 0.1502% | 928 |
| Credit loss provision to net charge-offs | 15.0602% | 2,154 |
| Earnings coverage of net charge-offs (x) | 7.4970% | 2,082 |
| Efficiency ratio | 76.1476% | 1,574 |
| Assets per employee ($millions) | 4.8119% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 3,181 |
| Loan loss allowance to noncurrent loans | 499.3464% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 4,132 |
| Noncurrent loans to loans | 0.2271% | 3,958 |
| Net loans and leases to total assets | 76.2395% | 1,500 |
| Net loans and leases to deposits | 91.6750% | 1,487 |
| Net loans and leases to core deposits | 97.0776% | 1,901 |
| Total domestic deposits to total assets | 83.1628% | 3,613 |
| Equity capital to assets | 8.8997% | 4,662 |
| Core capital (leverage) ratio | 9.0855% | 4,580 |
| Tier 1 risk-based capital ratio | 10.8524% | 5,219 |
| Total risk-based capital ratio | 12.0008% | 5,158 |
| Memoranda: | ||
| Average total assets | $1,143,408,000 | 673 |
| Average earning assets | $1,037,658,500 | 678 |
| Average equity | $100,237,000 | 851 |
| Average total loans | $884,237,000 | 621 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2261% | 2,593 |
| Cost of funding earning assets | 0.6851% | 1,109 |
| Net interest margin | 3.5409% | 3,375 |
| Noninterest income to average assets | 0.5067% | 2,958 |
| Noninterest expense to average assets | 2.7886% | 2,813 |
| Loan and lease loss provision to assets | 0.0696% | 2,808 |
| Net operating income to assets | 0.3711% | 4,785 |
| Return on assets (ROA) | 0.3774% | 4,775 |
| Pretax return on assets | 0.8749% | 3,990 |
| Return on Equity (ROE) | 4.3953% | 4,380 |
| Retained earnings to average equity (ytd only) | 1.5070% | 4,400 |
| Net charge-offs to loans | 0.0579% | 2,651 |
| Credit loss provision to net charge-offs | 154.4402% | 1,736 |
| Earnings coverage of net charge-offs (x) | 20.7375% | 1,950 |
| Efficiency ratio | 74.8972% | 1,778 |
| Assets per employee ($millions) | 4.9621% | 2,529 |
| Cash dividends to net income (ytd only)* | 65.7136% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 3,096 |
| Loan loss allowance to noncurrent loans | 338.6605% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2635% | 3,831 |
| Noncurrent loans to loans | 0.3378% | 3,551 |
| Net loans and leases to total assets | 76.6626% | 1,485 |
| Net loans and leases to deposits | 93.0811% | 1,378 |
| Net loans and leases to core deposits | 98.2281% | 1,848 |
| Total domestic deposits to total assets | 82.3611% | 3,769 |
| Equity capital to assets | 8.6351% | 5,002 |
| Core capital (leverage) ratio | 8.7477% | 4,906 |
| Tier 1 risk-based capital ratio | 10.4663% | 5,376 |
| Total risk-based capital ratio | 11.6363% | 5,326 |
| Memoranda: | ||
| Average total assets | $1,149,310,400 | 646 |
| Average earning assets | $1,044,017,600 | 648 |
| Average equity | $98,673,000 | 837 |
| Average total loans | $894,987,600 | 590 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 2,648 |
| Cost of funding earning assets | 0.6639% | 1,155 |
| Net interest margin | 3.5269% | 3,398 |
| Noninterest income to average assets | 0.5120% | 2,959 |
| Noninterest expense to average assets | 2.7845% | 2,781 |
| Loan and lease loss provision to assets | 0.0870% | 2,343 |
| Net operating income to assets | 0.5776% | 4,468 |
| Return on assets (ROA) | 0.5865% | 4,471 |
| Pretax return on assets | 0.8585% | 4,188 |
| Return on Equity (ROE) | 6.8419% | 3,753 |
| Retained earnings to average equity (ytd only) | 2.9837% | 4,140 |
| Net charge-offs to loans | 0.0500% | 2,428 |
| Credit loss provision to net charge-offs | 223.2143% | 1,243 |
| Earnings coverage of net charge-offs (x) | 23.9106% | 1,793 |
| Efficiency ratio | 74.9149% | 1,759 |
| Assets per employee ($millions) | 4.8871% | 2,586 |
| Cash dividends to net income (ytd only)* | 56.3910% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1521% | 3,186 |
| Loan loss allowance to noncurrent loans | 222.3034% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.4069% | 3,406 |
| Noncurrent loans to loans | 0.5183% | 3,145 |
| Net loans and leases to total assets | 76.9624% | 1,424 |
| Net loans and leases to deposits | 91.7821% | 1,598 |
| Net loans and leases to core deposits | 96.7639% | 1,999 |
| Total domestic deposits to total assets | 83.8534% | 3,177 |
| Equity capital to assets | 8.6868% | 5,157 |
| Core capital (leverage) ratio | 8.6753% | 5,084 |
| Tier 1 risk-based capital ratio | 10.2759% | 5,518 |
| Total risk-based capital ratio | 11.4441% | 5,503 |
| Memoranda: | ||
| Average total assets | $1,148,836,750 | 652 |
| Average earning assets | $1,043,941,250 | 652 |
| Average equity | $98,489,250 | 842 |
| Average total loans | $895,545,000 | 593 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1629% | 2,617 |
| Cost of funding earning assets | 0.6447% | 1,173 |
| Net interest margin | 3.5182% | 3,330 |
| Noninterest income to average assets | 0.5109% | 2,953 |
| Noninterest expense to average assets | 2.7886% | 2,807 |
| Loan and lease loss provision to assets | 0.0959% | 2,079 |
| Net operating income to assets | 0.5606% | 4,473 |
| Return on assets (ROA) | 0.5674% | 4,493 |
| Pretax return on assets | 0.8315% | 4,155 |
| Return on Equity (ROE) | 6.6481% | 3,751 |
| Retained earnings to average equity (ytd only) | 2.3590% | 4,265 |
| Net charge-offs to loans | 0.0203% | 2,829 |
| Credit loss provision to net charge-offs | 604.3956% | 564 |
| Earnings coverage of net charge-offs (x) | 57.8352% | 976 |
| Efficiency ratio | 75.2446% | 1,825 |
| Assets per employee ($millions) | 4.8677% | 2,560 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1573% | 3,268 |
| Loan loss allowance to noncurrent loans | 617.0428% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 4,590 |
| Noncurrent loans to loans | 0.1876% | 4,366 |
| Net loans and leases to total assets | 76.9282% | 1,395 |
| Net loans and leases to deposits | 92.7774% | 1,387 |
| Net loans and leases to core deposits | 97.7258% | 1,835 |
| Total domestic deposits to total assets | 82.9170% | 3,595 |
| Equity capital to assets | 8.5651% | 5,257 |
| Core capital (leverage) ratio | 8.5728% | 5,167 |
| Tier 1 risk-based capital ratio | 10.2697% | 5,552 |
| Total risk-based capital ratio | 11.4466% | 5,515 |
| Memoranda: | ||
| Average total assets | $1,147,333,000 | 653 |
| Average earning assets | $1,041,962,670 | 654 |
| Average equity | $97,922,670 | 845 |
| Average total loans | $894,730,000 | 598 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1206% | 2,577 |
| Cost of funding earning assets | 0.6230% | 1,227 |
| Net interest margin | 3.4977% | 3,281 |
| Noninterest income to average assets | 0.4667% | 3,211 |
| Noninterest expense to average assets | 2.7741% | 2,875 |
| Loan and lease loss provision to assets | 0.0787% | 2,240 |
| Net operating income to assets | 0.5359% | 4,440 |
| Return on assets (ROA) | 0.5419% | 4,456 |
| Pretax return on assets | 0.7967% | 4,119 |
| Return on Equity (ROE) | 6.3604% | 3,735 |
| Retained earnings to average equity (ytd only) | 2.2569% | 4,237 |
| Net charge-offs to loans | 0.0345% | 2,089 |
| Credit loss provision to net charge-offs | 292.2078% | 802 |
| Earnings coverage of net charge-offs (x) | 32.1948% | 1,179 |
| Efficiency ratio | 76.1955% | 1,879 |
| Assets per employee ($millions) | 4.9086% | 2,567 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1207% | 3,581 |
| Loan loss allowance to noncurrent loans | 688.9952% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1286% | 4,746 |
| Noncurrent loans to loans | 0.1627% | 4,534 |
| Net loans and leases to total assets | 77.1011% | 1,255 |
| Net loans and leases to deposits | 92.1656% | 1,313 |
| Net loans and leases to core deposits | 96.3192% | 1,798 |
| Total domestic deposits to total assets | 83.6550% | 3,602 |
| Equity capital to assets | 8.4783% | 5,255 |
| Core capital (leverage) ratio | 8.6265% | 5,125 |
| Tier 1 risk-based capital ratio | 10.1816% | 5,656 |
| Total risk-based capital ratio | 11.3213% | 5,639 |
| Memoranda: | ||
| Average total assets | $1,144,173,000 | 658 |
| Average earning assets | $1,038,283,000 | 663 |
| Average equity | $97,478,500 | 843 |
| Average total loans | $893,157,000 | 603 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0929% | 2,882 |
| Cost of funding earning assets | 0.5989% | 1,340 |
| Net interest margin | 3.4940% | 3,453 |
| Noninterest income to average assets | 0.5471% | 2,931 |
| Noninterest expense to average assets | 2.9498% | 2,501 |
| Loan and lease loss provision to assets | 0.3528% | 484 |
| Net operating income to assets | 0.2946% | 5,230 |
| Return on assets (ROA) | 0.3018% | 5,280 |
| Pretax return on assets | 0.4311% | 5,157 |
| Return on Equity (ROE) | 3.3656% | 5,054 |
| Retained earnings to average equity (ytd only) | 0.3775% | 5,167 |
| Net charge-offs to loans | 0.4431% | 570 |
| Credit loss provision to net charge-offs | 100.2793% | 2,554 |
| Earnings coverage of net charge-offs (x) | 2.1988% | 3,867 |
| Efficiency ratio | 79.2237% | 1,521 |
| Assets per employee ($millions) | 4.8291% | 2,602 |
| Cash dividends to net income (ytd only)* | 88.7837% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 3,608 |
| Loan loss allowance to noncurrent loans | 619.5883% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 4,736 |
| Noncurrent loans to loans | 0.1808% | 4,513 |
| Net loans and leases to total assets | 77.2740% | 1,317 |
| Net loans and leases to deposits | 90.5928% | 1,622 |
| Net loans and leases to core deposits | 95.0904% | 2,000 |
| Total domestic deposits to total assets | 85.2981% | 2,924 |
| Equity capital to assets | 8.5615% | 5,222 |
| Core capital (leverage) ratio | 8.6120% | 5,162 |
| Tier 1 risk-based capital ratio | 10.2053% | 5,683 |
| Total risk-based capital ratio | 11.3463% | 5,660 |
| Memoranda: | ||
| Average total assets | $1,119,594,400 | 643 |
| Average earning assets | $1,017,807,800 | 647 |
| Average equity | $100,398,800 | 786 |
| Average total loans | $889,013,800 | 571 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 2,923 |
| Cost of funding earning assets | 0.5921% | 1,393 |
| Net interest margin | 3.4950% | 3,489 |
| Noninterest income to average assets | 0.5392% | 2,983 |
| Noninterest expense to average assets | 2.9409% | 2,496 |
| Loan and lease loss provision to assets | 0.4362% | 313 |
| Net operating income to assets | 0.2350% | 5,411 |
| Return on assets (ROA) | 0.2446% | 5,470 |
| Pretax return on assets | 0.3559% | 5,369 |
| Return on Equity (ROE) | 2.6967% | 5,300 |
| Retained earnings to average equity (ytd only) | 0.0619% | 5,325 |
| Net charge-offs to loans | 0.5763% | 365 |
| Credit loss provision to net charge-offs | 94.9285% | 2,459 |
| Earnings coverage of net charge-offs (x) | 1.6936% | 3,666 |
| Efficiency ratio | 79.0766% | 1,546 |
| Assets per employee ($millions) | 4.7166% | 2,718 |
| Cash dividends to net income (ytd only)* | 97.7038% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 3,916 |
| Loan loss allowance to noncurrent loans | 554.8203% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 4,767 |
| Noncurrent loans to loans | 0.1956% | 4,570 |
| Net loans and leases to total assets | 78.6476% | 1,092 |
| Net loans and leases to deposits | 92.0700% | 1,491 |
| Net loans and leases to core deposits | 97.5254% | 1,859 |
| Total domestic deposits to total assets | 85.4215% | 2,636 |
| Equity capital to assets | 9.0697% | 5,106 |
| Core capital (leverage) ratio | 8.5782% | 5,286 |
| Tier 1 risk-based capital ratio | 10.2921% | 5,703 |
| Total risk-based capital ratio | 11.4277% | 5,682 |
| Memoranda: | ||
| Average total assets | $1,115,786,250 | 645 |
| Average earning assets | $1,015,187,000 | 650 |
| Average equity | $101,209,000 | 787 |
| Average total loans | $889,552,750 | 566 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 2,899 |
| Cost of funding earning assets | 0.5831% | 1,446 |
| Net interest margin | 3.5083% | 3,461 |
| Noninterest income to average assets | 0.5243% | 3,039 |
| Noninterest expense to average assets | 2.9589% | 2,491 |
| Loan and lease loss provision to assets | 0.6025% | 184 |
| Net operating income to assets | 0.1042% | 5,660 |
| Return on assets (ROA) | 0.1135% | 5,701 |
| Pretax return on assets | 0.1682% | 5,654 |
| Return on Equity (ROE) | 1.2512% | 5,646 |
| Retained earnings to average equity (ytd only) | -1.2274% | 5,463 |
| Net charge-offs to loans | 0.7945% | 255 |
| Credit loss provision to net charge-offs | 95.0355% | 2,183 |
| Earnings coverage of net charge-offs (x) | 1.1938% | 3,443 |
| Efficiency ratio | 79.6312% | 1,541 |
| Assets per employee ($millions) | 4.6429% | 2,805 |
| Cash dividends to net income (ytd only)* | 198.0983% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 4,007 |
| Loan loss allowance to noncurrent loans | 450.7863% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1986% | 4,693 |
| Noncurrent loans to loans | 0.2414% | 4,486 |
| Net loans and leases to total assets | 78.8334% | 1,093 |
| Net loans and leases to deposits | 94.1173% | 1,281 |
| Net loans and leases to core deposits | 99.6653% | 1,656 |
| Total domestic deposits to total assets | 83.7608% | 3,363 |
| Equity capital to assets | 9.0369% | 5,212 |
| Core capital (leverage) ratio | 8.6521% | 5,212 |
| Tier 1 risk-based capital ratio | 10.2490% | 5,777 |
| Total risk-based capital ratio | 11.3894% | 5,749 |
| Memoranda: | ||
| Average total assets | $1,111,956,330 | 647 |
| Average earning assets | $1,011,535,330 | 653 |
| Average equity | $100,865,000 | 788 |
| Average total loans | $887,303,330 | 566 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 2,770 |
| Cost of funding earning assets | 0.5791% | 1,484 |
| Net interest margin | 3.5420% | 3,314 |
| Noninterest income to average assets | 0.4752% | 3,313 |
| Noninterest expense to average assets | 3.0278% | 2,304 |
| Loan and lease loss provision to assets | 1.1210% | 84 |
| Net operating income to assets | -0.3255% | 5,924 |
| Return on assets (ROA) | -0.3211% | 5,930 |
| Pretax return on assets | -0.4491% | 5,948 |
| Return on Equity (ROE) | -3.5333% | 5,949 |
| Retained earnings to average equity (ytd only) | -5.5228% | 5,628 |
| Net charge-offs to loans | 1.5856% | 107 |
| Credit loss provision to net charge-offs | 88.5461% | 1,775 |
| Earnings coverage of net charge-offs (x) | 0.5258% | 2,923 |
| Efficiency ratio | 81.9757% | 1,371 |
| Assets per employee ($millions) | 4.4487% | 3,164 |
| Cash dividends to net income (ytd only)* | -56.3063% | 6,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 4,174 |
| Loan loss allowance to noncurrent loans | 434.5048% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.2078% | 4,724 |
| Noncurrent loans to loans | 0.2483% | 4,542 |
| Net loans and leases to total assets | 79.1176% | 933 |
| Net loans and leases to deposits | 96.2421% | 924 |
| Net loans and leases to core deposits | 102.0763% | 1,330 |
| Total domestic deposits to total assets | 82.2068% | 4,150 |
| Equity capital to assets | 9.0939% | 5,087 |
| Core capital (leverage) ratio | 8.7293% | 5,146 |
| Tier 1 risk-based capital ratio | 10.3593% | 5,802 |
| Total risk-based capital ratio | 11.4943% | 5,778 |
| Memoranda: | ||
| Average total assets | $1,106,138,000 | 652 |
| Average earning assets | $1,005,069,000 | 655 |
| Average equity | $100,528,500 | 790 |
| Average total loans | $883,198,500 | 568 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2359% | 2,434 |
| Cost of funding earning assets | 0.5497% | 1,760 |
| Net interest margin | 3.6862% | 2,798 |
| Noninterest income to average assets | 0.5862% | 2,794 |
| Noninterest expense to average assets | 3.0595% | 2,353 |
| Loan and lease loss provision to assets | 0.1156% | 2,070 |
| Net operating income to assets | 0.5444% | 4,524 |
| Return on assets (ROA) | 0.5491% | 4,598 |
| Pretax return on assets | 0.7629% | 4,325 |
| Return on Equity (ROE) | 5.8610% | 4,096 |
| Retained earnings to average equity (ytd only) | 0.8271% | 5,192 |
| Net charge-offs to loans | 0.1106% | 2,270 |
| Credit loss provision to net charge-offs | 131.3025% | 1,993 |
| Earnings coverage of net charge-offs (x) | 9.9044% | 2,761 |
| Efficiency ratio | 77.8214% | 1,995 |
| Assets per employee ($millions) | 4.4899% | 3,062 |
| Cash dividends to net income (ytd only)* | 85.8875% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1223% | 3,914 |
| Loan loss allowance to noncurrent loans | 163.5509% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5537% | 3,440 |
| Noncurrent loans to loans | 0.6862% | 3,134 |
| Net loans and leases to total assets | 78.8161% | 1,018 |
| Net loans and leases to deposits | 96.7429% | 934 |
| Net loans and leases to core deposits | 101.9424% | 1,370 |
| Total domestic deposits to total assets | 81.4697% | 4,347 |
| Equity capital to assets | 9.0826% | 5,034 |
| Core capital (leverage) ratio | 8.9748% | 4,912 |
| Tier 1 risk-based capital ratio | 10.4881% | 5,780 |
| Total risk-based capital ratio | 11.6667% | 5,736 |
| Memoranda: | ||
| Average total assets | $1,081,375,600 | 649 |
| Average earning assets | $981,374,200 | 645 |
| Average equity | $101,313,800 | 761 |
| Average total loans | $860,909,200 | 550 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2865% | 2,281 |
| Cost of funding earning assets | 0.5453% | 1,840 |
| Net interest margin | 3.7411% | 2,608 |
| Noninterest income to average assets | 0.5789% | 2,859 |
| Noninterest expense to average assets | 3.0933% | 2,239 |
| Loan and lease loss provision to assets | 0.0931% | 2,305 |
| Net operating income to assets | 0.5559% | 4,573 |
| Return on assets (ROA) | 0.5552% | 4,667 |
| Pretax return on assets | 0.7872% | 4,374 |
| Return on Equity (ROE) | 5.8793% | 4,206 |
| Retained earnings to average equity (ytd only) | 1.1485% | 5,253 |
| Net charge-offs to loans | 0.0937% | 2,229 |
| Credit loss provision to net charge-offs | 124.7920% | 1,931 |
| Earnings coverage of net charge-offs (x) | 11.8170% | 2,459 |
| Efficiency ratio | 77.8270% | 1,968 |
| Assets per employee ($millions) | 4.3713% | 3,212 |
| Cash dividends to net income (ytd only)* | 80.4650% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 4,083 |
| Loan loss allowance to noncurrent loans | 539.8895% | 962 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,022 |
| Noncurrent loans to loans | 0.2085% | 4,815 |
| Net loans and leases to total assets | 79.5072% | 881 |
| Net loans and leases to deposits | 98.6602% | 762 |
| Net loans and leases to core deposits | 104.8351% | 1,180 |
| Total domestic deposits to total assets | 80.5870% | 4,582 |
| Equity capital to assets | 9.4724% | 4,785 |
| Core capital (leverage) ratio | 9.0633% | 4,925 |
| Tier 1 risk-based capital ratio | 10.6299% | 5,831 |
| Total risk-based capital ratio | 11.8132% | 5,789 |
| Memoranda: | ||
| Average total assets | $1,074,471,000 | 657 |
| Average earning assets | $975,264,500 | 660 |
| Average equity | $101,460,750 | 765 |
| Average total loans | $855,139,750 | 553 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 2,265 |
| Cost of funding earning assets | 0.5426% | 1,884 |
| Net interest margin | 3.7311% | 2,575 |
| Noninterest income to average assets | 0.5841% | 2,828 |
| Noninterest expense to average assets | 3.1117% | 2,215 |
| Loan and lease loss provision to assets | 0.0839% | 2,441 |
| Net operating income to assets | 0.5317% | 4,645 |
| Return on assets (ROA) | 0.5353% | 4,737 |
| Pretax return on assets | 0.7760% | 4,402 |
| Return on Equity (ROE) | 5.6745% | 4,288 |
| Retained earnings to average equity (ytd only) | 1.3262% | 5,019 |
| Net charge-offs to loans | 0.0837% | 2,206 |
| Credit loss provision to net charge-offs | 126.4045% | 1,734 |
| Earnings coverage of net charge-offs (x) | 12.8764% | 2,173 |
| Efficiency ratio | 78.4526% | 1,992 |
| Assets per employee ($millions) | 4.3662% | 3,184 |
| Cash dividends to net income (ytd only)* | 76.6284% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 4,217 |
| Loan loss allowance to noncurrent loans | 460.3032% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,042 |
| Noncurrent loans to loans | 0.2437% | 4,784 |
| Net loans and leases to total assets | 79.1015% | 920 |
| Net loans and leases to deposits | 99.2381% | 707 |
| Net loans and leases to core deposits | 106.2764% | 1,059 |
| Total domestic deposits to total assets | 79.7088% | 4,927 |
| Equity capital to assets | 9.3822% | 4,809 |
| Core capital (leverage) ratio | 9.0079% | 4,958 |
| Tier 1 risk-based capital ratio | 10.6294% | 5,871 |
| Total risk-based capital ratio | 11.8117% | 5,844 |
| Memoranda: | ||
| Average total assets | $1,072,727,330 | 661 |
| Average earning assets | $972,408,330 | 663 |
| Average equity | $101,189,670 | 768 |
| Average total loans | $850,782,000 | 554 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,013 |
| Cost of funding earning assets | 0.5422% | 1,913 |
| Net interest margin | 3.7844% | 2,279 |
| Noninterest income to average assets | 0.6088% | 2,599 |
| Noninterest expense to average assets | 3.1669% | 2,070 |
| Loan and lease loss provision to assets | 0.0937% | 2,129 |
| Net operating income to assets | 0.5309% | 4,541 |
| Return on assets (ROA) | 0.5309% | 4,655 |
| Pretax return on assets | 0.7714% | 4,345 |
| Return on Equity (ROE) | 5.6125% | 4,223 |
| Retained earnings to average equity (ytd only) | 1.6517% | 4,814 |
| Net charge-offs to loans | 0.0873% | 1,846 |
| Credit loss provision to net charge-offs | 135.8696% | 1,337 |
| Earnings coverage of net charge-offs (x) | 12.5489% | 1,791 |
| Efficiency ratio | 78.5449% | 2,108 |
| Assets per employee ($millions) | 4.3144% | 3,346 |
| Cash dividends to net income (ytd only)* | 70.5716% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 4,347 |
| Loan loss allowance to noncurrent loans | 451.4911% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.2522% | 4,933 |
| Noncurrent loans to loans | 0.2513% | 4,886 |
| Net loans and leases to total assets | 78.5904% | 853 |
| Net loans and leases to deposits | 94.5577% | 932 |
| Net loans and leases to core deposits | 102.8453% | 1,125 |
| Total domestic deposits to total assets | 83.1137% | 4,146 |
| Equity capital to assets | 9.4485% | 4,806 |
| Core capital (leverage) ratio | 9.0603% | 4,883 |
| Tier 1 risk-based capital ratio | 10.7274% | 5,928 |
| Total risk-based capital ratio | 11.9215% | 5,874 |
| Memoranda: | ||
| Average total assets | $1,067,681,500 | 664 |
| Average earning assets | $965,747,500 | 661 |
| Average equity | $100,988,500 | 769 |
| Average total loans | $843,051,500 | 552 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2825% | 2,671 |
| Cost of funding earning assets | 0.5630% | 2,120 |
| Net interest margin | 3.7195% | 2,931 |
| Noninterest income to average assets | 0.6085% | 2,806 |
| Noninterest expense to average assets | 3.3883% | 1,722 |
| Loan and lease loss provision to assets | 0.0361% | 3,865 |
| Net operating income to assets | 0.3546% | 5,366 |
| Return on assets (ROA) | 0.3659% | 5,407 |
| Pretax return on assets | 0.5583% | 5,078 |
| Return on Equity (ROE) | 3.7487% | 5,216 |
| Retained earnings to average equity (ytd only) | 2.2686% | 4,624 |
| Net charge-offs to loans | 0.1062% | 2,992 |
| Credit loss provision to net charge-offs | 43.8084% | 3,609 |
| Earnings coverage of net charge-offs (x) | 7.0035% | 3,104 |
| Efficiency ratio | 83.8154% | 1,435 |
| Assets per employee ($millions) | 4.3309% | 3,307 |
| Cash dividends to net income (ytd only)* | 39.4841% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1564% | 4,244 |
| Loan loss allowance to noncurrent loans | 438.2058% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 5,011 |
| Noncurrent loans to loans | 0.2639% | 4,895 |
| Net loans and leases to total assets | 77.5161% | 1,068 |
| Net loans and leases to deposits | 94.5323% | 1,031 |
| Net loans and leases to core deposits | 102.1912% | 1,236 |
| Total domestic deposits to total assets | 81.9996% | 4,424 |
| Equity capital to assets | 9.4689% | 4,753 |
| Core capital (leverage) ratio | 9.1885% | 4,695 |
| Tier 1 risk-based capital ratio | 10.8759% | 5,955 |
| Total risk-based capital ratio | 12.0713% | 5,909 |
| Memoranda: | ||
| Average total assets | $1,038,268,000 | 651 |
| Average earning assets | $937,141,200 | 657 |
| Average equity | $101,341,600 | 724 |
| Average total loans | $806,212,200 | 547 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,741 |
| Cost of funding earning assets | 0.5641% | 2,158 |
| Net interest margin | 3.7077% | 2,995 |
| Noninterest income to average assets | 0.6212% | 2,740 |
| Noninterest expense to average assets | 3.4116% | 1,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3649% | 5,381 |
| Return on assets (ROA) | 0.3800% | 5,399 |
| Pretax return on assets | 0.5795% | 5,089 |
| Return on Equity (ROE) | 3.8637% | 5,227 |
| Retained earnings to average equity (ytd only) | 3.8637% | 3,904 |
| Net charge-offs to loans | 0.0870% | 2,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.2587% | 2,830 |
| Efficiency ratio | 83.7954% | 1,415 |
| Assets per employee ($millions) | 3.8940% | 4,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 4,375 |
| Loan loss allowance to noncurrent loans | 319.2936% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3530% | 4,862 |
| Noncurrent loans to loans | 0.3669% | 4,813 |
| Net loans and leases to total assets | 77.4536% | 1,030 |
| Net loans and leases to deposits | 92.6562% | 1,168 |
| Net loans and leases to core deposits | 98.9895% | 1,450 |
| Total domestic deposits to total assets | 83.5925% | 3,919 |
| Equity capital to assets | 9.9074% | 4,289 |
| Core capital (leverage) ratio | 9.4058% | 4,505 |
| Tier 1 risk-based capital ratio | 11.1852% | 5,917 |
| Total risk-based capital ratio | 12.3911% | 5,890 |
| Memoranda: | ||
| Average total assets | $1,032,565,000 | 651 |
| Average earning assets | $932,137,750 | 658 |
| Average equity | $101,558,750 | 717 |
| Average total loans | $799,732,500 | 549 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2960% | 2,592 |
| Cost of funding earning assets | 0.5624% | 2,241 |
| Net interest margin | 3.7337% | 2,827 |
| Noninterest income to average assets | 0.5970% | 2,826 |
| Noninterest expense to average assets | 3.3388% | 1,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4327% | 5,085 |
| Return on assets (ROA) | 0.4564% | 5,063 |
| Pretax return on assets | 0.6584% | 4,766 |
| Return on Equity (ROE) | 4.6519% | 4,838 |
| Retained earnings to average equity (ytd only) | 4.6519% | 3,185 |
| Net charge-offs to loans | -0.0116% | 5,361 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2539% | 1,476 |
| Assets per employee ($millions) | 3.7811% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2614% | 4,076 |
| Loan loss allowance to noncurrent loans | 271.3904% | 1,645 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 4,784 |
| Noncurrent loans to loans | 0.4648% | 4,605 |
| Net loans and leases to total assets | 76.6895% | 1,087 |
| Net loans and leases to deposits | 90.8955% | 1,282 |
| Net loans and leases to core deposits | 97.3979% | 1,482 |
| Total domestic deposits to total assets | 84.3710% | 3,796 |
| Equity capital to assets | 9.9114% | 4,234 |
| Core capital (leverage) ratio | 9.4023% | 4,468 |
| Tier 1 risk-based capital ratio | 11.1973% | 5,958 |
| Total risk-based capital ratio | 12.4478% | 5,898 |
| Memoranda: | ||
| Average total assets | $1,028,887,000 | 650 |
| Average earning assets | $927,504,670 | 662 |
| Average equity | $100,947,000 | 719 |
| Average total loans | $793,681,000 | 551 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 2,363 |
| Cost of funding earning assets | 0.5588% | 2,357 |
| Net interest margin | 3.7811% | 2,547 |
| Noninterest income to average assets | 0.6039% | 2,713 |
| Noninterest expense to average assets | 3.3991% | 1,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4249% | 5,022 |
| Return on assets (ROA) | 0.4404% | 5,034 |
| Pretax return on assets | 0.6324% | 4,715 |
| Return on Equity (ROE) | 4.5125% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.5125% | 3,410 |
| Net charge-offs to loans | -0.0025% | 4,725 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7816% | 1,580 |
| Assets per employee ($millions) | 3.7070% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 4,224 |
| Loan loss allowance to noncurrent loans | 463.9284% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 5,217 |
| Noncurrent loans to loans | 0.2760% | 5,277 |
| Net loans and leases to total assets | 76.1894% | 982 |
| Net loans and leases to deposits | 89.0327% | 1,252 |
| Net loans and leases to core deposits | 95.2063% | 1,454 |
| Total domestic deposits to total assets | 85.5746% | 3,573 |
| Equity capital to assets | 9.8626% | 4,011 |
| Core capital (leverage) ratio | 9.2987% | 4,579 |
| Tier 1 risk-based capital ratio | 11.2230% | 6,058 |
| Total risk-based capital ratio | 12.4738% | 6,008 |
| Memoranda: | ||
| Average total assets | $1,025,316,000 | 655 |
| Average earning assets | $923,425,500 | 666 |
| Average equity | $100,078,000 | 725 |
| Average total loans | $788,184,000 | 554 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3647% | 2,714 |
| Cost of funding earning assets | 0.5991% | 2,668 |
| Net interest margin | 3.7656% | 2,783 |
| Noninterest income to average assets | 0.8095% | 2,034 |
| Noninterest expense to average assets | 3.4615% | 1,748 |
| Loan and lease loss provision to assets | -0.1103% | 6,499 |
| Net operating income to assets | 0.5788% | 4,366 |
| Return on assets (ROA) | 0.5930% | 4,411 |
| Pretax return on assets | 0.8597% | 3,918 |
| Return on Equity (ROE) | 6.0155% | 4,074 |
| Retained earnings to average equity (ytd only) | 0.4183% | 5,660 |
| Net charge-offs to loans | 0.1822% | 3,013 |
| Credit loss provision to net charge-offs | -80.4682% | 5,841 |
| Earnings coverage of net charge-offs (x) | 5.3153% | 3,330 |
| Efficiency ratio | 82.6060% | 1,796 |
| Assets per employee ($millions) | 3.6566% | 4,574 |
| Cash dividends to net income (ytd only)* | 93.0469% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,215 |
| Loan loss allowance to noncurrent loans | 351.9331% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3784% | 5,112 |
| Noncurrent loans to loans | 0.3649% | 5,093 |
| Net loans and leases to total assets | 75.5851% | 1,130 |
| Net loans and leases to deposits | 90.8651% | 1,169 |
| Net loans and leases to core deposits | 97.8442% | 1,313 |
| Total domestic deposits to total assets | 83.1838% | 4,475 |
| Equity capital to assets | 9.6593% | 4,207 |
| Core capital (leverage) ratio | 9.2325% | 4,669 |
| Tier 1 risk-based capital ratio | 11.1402% | 6,100 |
| Total risk-based capital ratio | 12.3910% | 6,054 |
| Memoranda: | ||
| Average total assets | $996,872,800 | 657 |
| Average earning assets | $895,018,800 | 664 |
| Average equity | $98,263,000 | 721 |
| Average total loans | $750,308,800 | 562 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3471% | 2,802 |
| Cost of funding earning assets | 0.6064% | 2,761 |
| Net interest margin | 3.7407% | 2,882 |
| Noninterest income to average assets | 0.8389% | 1,982 |
| Noninterest expense to average assets | 3.4515% | 1,714 |
| Loan and lease loss provision to assets | -0.0135% | 6,473 |
| Net operating income to assets | 0.5273% | 4,677 |
| Return on assets (ROA) | 0.5402% | 4,764 |
| Pretax return on assets | 0.7760% | 4,400 |
| Return on Equity (ROE) | 5.4520% | 4,494 |
| Retained earnings to average equity (ytd only) | -0.6693% | 6,078 |
| Net charge-offs to loans | 0.2317% | 2,414 |
| Credit loss provision to net charge-offs | -7.7640% | 5,599 |
| Earnings coverage of net charge-offs (x) | 4.2857% | 3,479 |
| Efficiency ratio | 82.2668% | 1,795 |
| Assets per employee ($millions) | 3.5330% | 4,781 |
| Cash dividends to net income (ytd only)* | 112.2754% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4644% | 3,623 |
| Loan loss allowance to noncurrent loans | 283.4728% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4761% | 5,003 |
| Noncurrent loans to loans | 0.5166% | 4,902 |
| Net loans and leases to total assets | 74.4723% | 1,218 |
| Net loans and leases to deposits | 88.2788% | 1,340 |
| Net loans and leases to core deposits | 95.2558% | 1,449 |
| Total domestic deposits to total assets | 84.3604% | 4,042 |
| Equity capital to assets | 9.5982% | 4,420 |
| Core capital (leverage) ratio | 9.2812% | 4,715 |
| Tier 1 risk-based capital ratio | 11.2630% | 6,168 |
| Total risk-based capital ratio | 12.5156% | 6,128 |
| Memoranda: | ||
| Average total assets | $989,213,500 | 664 |
| Average earning assets | $887,653,750 | 675 |
| Average equity | $98,016,250 | 727 |
| Average total loans | $741,199,000 | 569 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3575% | 2,731 |
| Cost of funding earning assets | 0.6143% | 2,811 |
| Net interest margin | 3.7432% | 2,793 |
| Noninterest income to average assets | 0.8388% | 2,033 |
| Noninterest expense to average assets | 3.4791% | 1,653 |
| Loan and lease loss provision to assets | -0.0204% | 6,596 |
| Net operating income to assets | 0.5181% | 4,723 |
| Return on assets (ROA) | 0.5282% | 4,839 |
| Pretax return on assets | 0.7533% | 4,495 |
| Return on Equity (ROE) | 5.2745% | 4,579 |
| Retained earnings to average equity (ytd only) | -0.8255% | 6,014 |
| Net charge-offs to loans | 0.3615% | 1,759 |
| Credit loss provision to net charge-offs | -7.5415% | 5,446 |
| Earnings coverage of net charge-offs (x) | 2.6606% | 3,632 |
| Efficiency ratio | 82.8846% | 1,773 |
| Assets per employee ($millions) | 3.4664% | 4,926 |
| Cash dividends to net income (ytd only)* | 115.6515% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4830% | 3,661 |
| Loan loss allowance to noncurrent loans | 347.1963% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,051 |
| Noncurrent loans to loans | 0.4271% | 5,194 |
| Net loans and leases to total assets | 74.1616% | 1,225 |
| Net loans and leases to deposits | 88.0906% | 1,328 |
| Net loans and leases to core deposits | 93.4852% | 1,568 |
| Total domestic deposits to total assets | 84.1879% | 4,244 |
| Equity capital to assets | 9.7174% | 4,279 |
| Core capital (leverage) ratio | 9.4866% | 4,266 |
| Tier 1 risk-based capital ratio | 11.5320% | 6,092 |
| Total risk-based capital ratio | 12.7849% | 6,055 |
| Memoranda: | ||
| Average total assets | $982,138,000 | 667 |
| Average earning assets | $881,286,000 | 677 |
| Average equity | $98,360,330 | 727 |
| Average total loans | $733,705,000 | 570 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 2,474 |
| Cost of funding earning assets | 0.6321% | 2,830 |
| Net interest margin | 3.7814% | 2,517 |
| Noninterest income to average assets | 0.8176% | 2,059 |
| Noninterest expense to average assets | 3.5497% | 1,526 |
| Loan and lease loss provision to assets | -0.1027% | 6,837 |
| Net operating income to assets | 0.5315% | 4,532 |
| Return on assets (ROA) | 0.5519% | 4,602 |
| Pretax return on assets | 0.7897% | 4,209 |
| Return on Equity (ROE) | 5.4284% | 4,339 |
| Retained earnings to average equity (ytd only) | -0.6301% | 5,901 |
| Net charge-offs to loans | 0.7511% | 810 |
| Credit loss provision to net charge-offs | -18.3688% | 4,984 |
| Earnings coverage of net charge-offs (x) | 1.1771% | 3,436 |
| Efficiency ratio | 84.3646% | 1,717 |
| Assets per employee ($millions) | 3.4256% | 5,148 |
| Cash dividends to net income (ytd only)* | 111.6071% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5268% | 3,710 |
| Loan loss allowance to noncurrent loans | 365.0899% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4299% | 5,315 |
| Noncurrent loans to loans | 0.4182% | 5,374 |
| Net loans and leases to total assets | 72.6611% | 1,254 |
| Net loans and leases to deposits | 83.4200% | 1,651 |
| Net loans and leases to core deposits | 88.2233% | 1,884 |
| Total domestic deposits to total assets | 87.1027% | 2,901 |
| Equity capital to assets | 10.1708% | 3,933 |
| Core capital (leverage) ratio | 9.5488% | 4,001 |
| Tier 1 risk-based capital ratio | 12.0865% | 5,862 |
| Total risk-based capital ratio | 13.3398% | 5,808 |
| Memoranda: | ||
| Average total assets | $974,042,500 | 680 |
| Average earning assets | $873,231,500 | 694 |
| Average equity | $99,034,500 | 735 |
| Average total loans | $724,796,500 | 583 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 2,929 |
| Cost of funding earning assets | 0.7692% | 2,925 |
| Net interest margin | 3.8484% | 3,031 |
| Noninterest income to average assets | 0.8229% | 2,168 |
| Noninterest expense to average assets | 3.4559% | 1,936 |
| Loan and lease loss provision to assets | -0.0806% | 6,910 |
| Net operating income to assets | 0.6025% | 4,227 |
| Return on assets (ROA) | 0.6034% | 4,485 |
| Pretax return on assets | 0.8773% | 4,000 |
| Return on Equity (ROE) | 5.6989% | 4,307 |
| Retained earnings to average equity (ytd only) | -2.1562% | 6,179 |
| Net charge-offs to loans | 0.1839% | 3,914 |
| Credit loss provision to net charge-offs | -60.6891% | 6,290 |
| Earnings coverage of net charge-offs (x) | 5.9922% | 2,898 |
| Efficiency ratio | 81.2891% | 1,971 |
| Assets per employee ($millions) | 3.5080% | 4,989 |
| Cash dividends to net income (ytd only)* | 137.8360% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7180% | 2,869 |
| Loan loss allowance to noncurrent loans | 216.2195% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 4,673 |
| Noncurrent loans to loans | 0.7945% | 4,593 |
| Net loans and leases to total assets | 73.7442% | 1,229 |
| Net loans and leases to deposits | 86.0319% | 1,509 |
| Net loans and leases to core deposits | 91.0296% | 1,720 |
| Total domestic deposits to total assets | 85.7172% | 3,504 |
| Equity capital to assets | 10.1639% | 3,941 |
| Core capital (leverage) ratio | 9.5506% | 4,034 |
| Tier 1 risk-based capital ratio | 12.0799% | 5,735 |
| Total risk-based capital ratio | 13.3358% | 5,693 |
| Memoranda: | ||
| Average total assets | $961,957,400 | 681 |
| Average earning assets | $856,979,000 | 698 |
| Average equity | $101,845,000 | 700 |
| Average total loans | $694,271,000 | 598 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6549% | 2,992 |
| Cost of funding earning assets | 0.7940% | 2,995 |
| Net interest margin | 3.8609% | 3,072 |
| Noninterest income to average assets | 0.8099% | 2,197 |
| Noninterest expense to average assets | 3.4541% | 1,874 |
| Loan and lease loss provision to assets | -0.1843% | 7,080 |
| Net operating income to assets | 0.6698% | 4,042 |
| Return on assets (ROA) | 0.6709% | 4,309 |
| Pretax return on assets | 0.9765% | 3,801 |
| Return on Equity (ROE) | 6.2734% | 4,190 |
| Retained earnings to average equity (ytd only) | -1.5293% | 6,337 |
| Net charge-offs to loans | 0.0913% | 4,464 |
| Credit loss provision to net charge-offs | -282.5160% | 6,374 |
| Earnings coverage of net charge-offs (x) | 12.1194% | 2,027 |
| Efficiency ratio | 81.3755% | 1,890 |
| Assets per employee ($millions) | 3.4151% | 5,175 |
| Cash dividends to net income (ytd only)* | 124.3781% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8155% | 2,745 |
| Loan loss allowance to noncurrent loans | 287.9686% | 1,291 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 5,319 |
| Noncurrent loans to loans | 0.6305% | 5,180 |
| Net loans and leases to total assets | 71.2818% | 1,679 |
| Net loans and leases to deposits | 81.5917% | 2,174 |
| Net loans and leases to core deposits | 86.9448% | 2,352 |
| Total domestic deposits to total assets | 87.3640% | 2,456 |
| Equity capital to assets | 10.5146% | 3,824 |
| Core capital (leverage) ratio | 9.7036% | 3,955 |
| Tier 1 risk-based capital ratio | 12.5589% | 5,596 |
| Total risk-based capital ratio | 13.8159% | 5,552 |
| Memoranda: | ||
| Average total assets | $958,641,000 | 694 |
| Average earning assets | $852,847,250 | 705 |
| Average equity | $102,526,000 | 697 |
| Average total loans | $684,903,500 | 604 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 3,005 |
| Cost of funding earning assets | 0.8194% | 3,036 |
| Net interest margin | 3.8616% | 3,083 |
| Noninterest income to average assets | 0.8075% | 2,152 |
| Noninterest expense to average assets | 3.4728% | 1,852 |
| Loan and lease loss provision to assets | -0.2359% | 7,167 |
| Net operating income to assets | 0.6890% | 3,928 |
| Return on assets (ROA) | 0.6907% | 4,180 |
| Pretax return on assets | 1.0024% | 3,705 |
| Return on Equity (ROE) | 6.4218% | 4,082 |
| Retained earnings to average equity (ytd only) | -1.3764% | 6,267 |
| Net charge-offs to loans | 0.0534% | 4,659 |
| Credit loss provision to net charge-offs | -621.5470% | 6,333 |
| Earnings coverage of net charge-offs (x) | 20.1271% | 1,401 |
| Efficiency ratio | 81.9689% | 1,883 |
| Assets per employee ($millions) | 3.4393% | 5,114 |
| Cash dividends to net income (ytd only)* | 121.4329% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9277% | 2,447 |
| Loan loss allowance to noncurrent loans | 321.7444% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 5,476 |
| Noncurrent loans to loans | 0.5991% | 5,316 |
| Net loans and leases to total assets | 69.8537% | 1,945 |
| Net loans and leases to deposits | 79.3122% | 2,483 |
| Net loans and leases to core deposits | 84.4399% | 2,635 |
| Total domestic deposits to total assets | 88.0743% | 2,093 |
| Equity capital to assets | 10.5514% | 3,621 |
| Core capital (leverage) ratio | 9.9615% | 3,470 |
| Tier 1 risk-based capital ratio | 12.8306% | 5,313 |
| Total risk-based capital ratio | 14.0890% | 5,281 |
| Memoranda: | ||
| Average total assets | $953,750,330 | 697 |
| Average earning assets | $846,952,000 | 708 |
| Average equity | $102,588,000 | 692 |
| Average total loans | $677,663,330 | 614 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 2,684 |
| Cost of funding earning assets | 0.8523% | 3,047 |
| Net interest margin | 3.9347% | 2,788 |
| Noninterest income to average assets | 0.8079% | 2,130 |
| Noninterest expense to average assets | 3.5251% | 1,703 |
| Loan and lease loss provision to assets | -0.2644% | 7,224 |
| Net operating income to assets | 0.7174% | 3,796 |
| Return on assets (ROA) | 0.7174% | 4,020 |
| Pretax return on assets | 1.0329% | 3,560 |
| Return on Equity (ROE) | 6.6047% | 3,989 |
| Retained earnings to average equity (ytd only) | -1.1839% | 6,180 |
| Net charge-offs to loans | 0.1311% | 3,318 |
| Credit loss provision to net charge-offs | -284.0909% | 5,666 |
| Earnings coverage of net charge-offs (x) | 8.2591% | 1,980 |
| Efficiency ratio | 82.1003% | 1,922 |
| Assets per employee ($millions) | 3.3308% | 5,495 |
| Cash dividends to net income (ytd only)* | 117.9245% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0523% | 2,213 |
| Loan loss allowance to noncurrent loans | 304.7556% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4961% | 5,622 |
| Noncurrent loans to loans | 0.6734% | 5,308 |
| Net loans and leases to total assets | 70.0049% | 1,753 |
| Net loans and leases to deposits | 80.1592% | 2,182 |
| Net loans and leases to core deposits | 85.2682% | 2,374 |
| Total domestic deposits to total assets | 87.3323% | 2,752 |
| Equity capital to assets | 10.9037% | 3,023 |
| Core capital (leverage) ratio | 10.0317% | 3,328 |
| Tier 1 risk-based capital ratio | 13.3395% | 4,943 |
| Total risk-based capital ratio | 14.5998% | 4,926 |
| Memoranda: | ||
| Average total assets | $945,684,500 | 702 |
| Average earning assets | $837,771,000 | 719 |
| Average equity | $102,714,000 | 690 |
| Average total loans | $671,087,500 | 622 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9921% | 2,913 |
| Cost of funding earning assets | 1.0296% | 3,161 |
| Net interest margin | 3.9625% | 3,059 |
| Noninterest income to average assets | 0.7908% | 2,114 |
| Noninterest expense to average assets | 3.5171% | 1,941 |
| Loan and lease loss provision to assets | -0.3808% | 7,328 |
| Net operating income to assets | 0.8050% | 3,014 |
| Return on assets (ROA) | 0.7806% | 3,295 |
| Pretax return on assets | 1.1278% | 2,730 |
| Return on Equity (ROE) | 7.2408% | 3,285 |
| Retained earnings to average equity (ytd only) | 4.7709% | 2,808 |
| Net charge-offs to loans | 0.2361% | 4,303 |
| Credit loss provision to net charge-offs | -228.1429% | 6,757 |
| Earnings coverage of net charge-offs (x) | 4.6879% | 3,018 |
| Efficiency ratio | 81.8024% | 2,049 |
| Assets per employee ($millions) | 3.5003% | 5,013 |
| Cash dividends to net income (ytd only)* | 34.1111% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1798% | 1,836 |
| Loan loss allowance to noncurrent loans | 288.1379% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5440% | 5,609 |
| Noncurrent loans to loans | 0.7565% | 5,184 |
| Net loans and leases to total assets | 68.9255% | 2,221 |
| Net loans and leases to deposits | 80.3586% | 2,455 |
| Net loans and leases to core deposits | 85.9454% | 2,639 |
| Total domestic deposits to total assets | 85.7725% | 3,447 |
| Equity capital to assets | 10.8195% | 3,172 |
| Core capital (leverage) ratio | 9.9043% | 3,450 |
| Tier 1 risk-based capital ratio | 13.6965% | 4,557 |
| Total risk-based capital ratio | 14.9591% | 4,510 |
| Memoranda: | ||
| Average total assets | $938,901,400 | 692 |
| Average earning assets | $831,365,400 | 713 |
| Average equity | $101,218,000 | 678 |
| Average total loans | $663,622,400 | 623 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0252% | 2,970 |
| Cost of funding earning assets | 1.0625% | 3,229 |
| Net interest margin | 3.9627% | 3,088 |
| Noninterest income to average assets | 0.7865% | 2,114 |
| Noninterest expense to average assets | 3.4736% | 2,007 |
| Loan and lease loss provision to assets | -0.3313% | 7,399 |
| Net operating income to assets | 0.7949% | 3,189 |
| Return on assets (ROA) | 0.7623% | 3,491 |
| Pretax return on assets | 1.1090% | 2,969 |
| Return on Equity (ROE) | 7.0773% | 3,488 |
| Retained earnings to average equity (ytd only) | 6.4158% | 2,286 |
| Net charge-offs to loans | 0.2762% | 3,703 |
| Credit loss provision to net charge-offs | -169.5842% | 6,568 |
| Earnings coverage of net charge-offs (x) | 4.2225% | 3,139 |
| Efficiency ratio | 80.8082% | 2,143 |
| Assets per employee ($millions) | 3.5171% | 4,946 |
| Cash dividends to net income (ytd only)* | 9.3475% | 3,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4077% | 1,526 |
| Loan loss allowance to noncurrent loans | 319.6539% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.5294% | 5,773 |
| Noncurrent loans to loans | 0.7532% | 5,368 |
| Net loans and leases to total assets | 68.5894% | 2,356 |
| Net loans and leases to deposits | 78.7061% | 2,857 |
| Net loans and leases to core deposits | 84.0077% | 3,070 |
| Total domestic deposits to total assets | 87.1463% | 2,553 |
| Equity capital to assets | 11.0512% | 3,088 |
| Core capital (leverage) ratio | 9.9581% | 3,496 |
| Tier 1 risk-based capital ratio | 13.4555% | 4,770 |
| Total risk-based capital ratio | 14.7203% | 4,726 |
| Memoranda: | ||
| Average total assets | $935,607,500 | 706 |
| Average earning assets | $829,209,000 | 722 |
| Average equity | $100,770,000 | 691 |
| Average total loans | $661,816,250 | 629 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0690% | 2,838 |
| Cost of funding earning assets | 1.0960% | 3,274 |
| Net interest margin | 3.9730% | 2,976 |
| Noninterest income to average assets | 0.7803% | 2,111 |
| Noninterest expense to average assets | 3.5029% | 1,969 |
| Loan and lease loss provision to assets | -0.3813% | 7,470 |
| Net operating income to assets | 0.8136% | 3,012 |
| Return on assets (ROA) | 0.7644% | 3,355 |
| Pretax return on assets | 1.1021% | 2,840 |
| Return on Equity (ROE) | 7.1605% | 3,371 |
| Retained earnings to average equity (ytd only) | 7.1605% | 1,806 |
| Net charge-offs to loans | 0.3128% | 3,311 |
| Credit loss provision to net charge-offs | -171.9961% | 6,373 |
| Earnings coverage of net charge-offs (x) | 3.5727% | 3,128 |
| Efficiency ratio | 81.5576% | 2,161 |
| Assets per employee ($millions) | 3.3620% | 5,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5818% | 1,334 |
| Loan loss allowance to noncurrent loans | 245.4480% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 5,372 |
| Noncurrent loans to loans | 1.0519% | 4,895 |
| Net loans and leases to total assets | 68.7107% | 2,476 |
| Net loans and leases to deposits | 78.9702% | 2,969 |
| Net loans and leases to core deposits | 84.7941% | 3,099 |
| Total domestic deposits to total assets | 87.0084% | 2,732 |
| Equity capital to assets | 10.9808% | 2,982 |
| Core capital (leverage) ratio | 9.8226% | 3,489 |
| Tier 1 risk-based capital ratio | 13.1628% | 4,794 |
| Total risk-based capital ratio | 14.4291% | 4,765 |
| Memoranda: | ||
| Average total assets | $930,936,000 | 718 |
| Average earning assets | $823,558,330 | 735 |
| Average equity | $99,378,330 | 692 |
| Average total loans | $659,952,000 | 641 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 2,690 |
| Cost of funding earning assets | 1.1415% | 3,219 |
| Net interest margin | 3.9478% | 2,922 |
| Noninterest income to average assets | 0.8002% | 2,036 |
| Noninterest expense to average assets | 3.5171% | 1,959 |
| Loan and lease loss provision to assets | -0.2579% | 7,517 |
| Net operating income to assets | 0.7343% | 3,352 |
| Return on assets (ROA) | 0.6330% | 3,918 |
| Pretax return on assets | 0.8896% | 3,541 |
| Return on Equity (ROE) | 6.0161% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.0161% | 2,623 |
| Net charge-offs to loans | 0.6893% | 1,836 |
| Credit loss provision to net charge-offs | -52.6316% | 5,657 |
| Earnings coverage of net charge-offs (x) | 1.5807% | 3,528 |
| Efficiency ratio | 81.9547% | 2,236 |
| Assets per employee ($millions) | 3.3958% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7953% | 1,116 |
| Loan loss allowance to noncurrent loans | 243.1539% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.8540% | 5,195 |
| Noncurrent loans to loans | 1.1496% | 4,774 |
| Net loans and leases to total assets | 66.8775% | 2,792 |
| Net loans and leases to deposits | 76.7466% | 3,291 |
| Net loans and leases to core deposits | 81.8094% | 3,480 |
| Total domestic deposits to total assets | 87.1406% | 2,862 |
| Equity capital to assets | 10.5327% | 3,148 |
| Core capital (leverage) ratio | 9.4384% | 3,901 |
| Tier 1 risk-based capital ratio | 12.7733% | 4,995 |
| Total risk-based capital ratio | 14.0423% | 4,960 |
| Memoranda: | ||
| Average total assets | $930,769,500 | 725 |
| Average earning assets | $823,151,000 | 740 |
| Average equity | $97,937,000 | 695 |
| Average total loans | $661,508,500 | 648 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3672% | 2,823 |
| Cost of funding earning assets | 1.3785% | 3,403 |
| Net interest margin | 3.9887% | 3,068 |
| Noninterest income to average assets | 0.8844% | 1,912 |
| Noninterest expense to average assets | 3.5145% | 2,134 |
| Loan and lease loss provision to assets | 0.5613% | 2,881 |
| Net operating income to assets | 0.2537% | 5,100 |
| Return on assets (ROA) | 0.2669% | 5,211 |
| Pretax return on assets | 0.3423% | 5,106 |
| Return on Equity (ROE) | 2.5962% | 5,134 |
| Retained earnings to average equity (ytd only) | 2.5962% | 4,045 |
| Net charge-offs to loans | 0.7370% | 2,812 |
| Credit loss provision to net charge-offs | 101.5474% | 4,465 |
| Earnings coverage of net charge-offs (x) | 1.6043% | 4,533 |
| Efficiency ratio | 79.8523% | 2,438 |
| Assets per employee ($millions) | 3.3129% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9144% | 940 |
| Loan loss allowance to noncurrent loans | 160.8349% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 1.4094% | 4,233 |
| Noncurrent loans to loans | 1.8121% | 3,800 |
| Net loans and leases to total assets | 71.2351% | 2,252 |
| Net loans and leases to deposits | 82.1567% | 2,769 |
| Net loans and leases to core deposits | 87.6833% | 3,096 |
| Total domestic deposits to total assets | 86.7064% | 2,977 |
| Equity capital to assets | 10.5115% | 3,142 |
| Core capital (leverage) ratio | 9.1322% | 4,299 |
| Tier 1 risk-based capital ratio | 12.2995% | 5,207 |
| Total risk-based capital ratio | 13.5716% | 5,155 |
| Memoranda: | ||
| Average total assets | $935,319,800 | 720 |
| Average earning assets | $824,672,800 | 736 |
| Average equity | $96,140,400 | 698 |
| Average total loans | $701,479,200 | 623 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4053% | 2,854 |
| Cost of funding earning assets | 1.4162% | 3,481 |
| Net interest margin | 3.9891% | 3,153 |
| Noninterest income to average assets | 0.8362% | 2,048 |
| Noninterest expense to average assets | 3.4644% | 2,126 |
| Loan and lease loss provision to assets | 0.7462% | 2,050 |
| Net operating income to assets | 0.1156% | 5,732 |
| Return on assets (ROA) | 0.1340% | 5,842 |
| Pretax return on assets | 0.1637% | 5,807 |
| Return on Equity (ROE) | 1.3112% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.3112% | 5,286 |
| Net charge-offs to loans | 0.7883% | 2,469 |
| Credit loss provision to net charge-offs | 125.5380% | 3,259 |
| Earnings coverage of net charge-offs (x) | 1.4931% | 4,610 |
| Efficiency ratio | 79.6074% | 2,404 |
| Assets per employee ($millions) | 3.2917% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9673% | 847 |
| Loan loss allowance to noncurrent loans | 132.0501% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 3,807 |
| Noncurrent loans to loans | 2.2471% | 3,393 |
| Net loans and leases to total assets | 72.3404% | 2,182 |
| Net loans and leases to deposits | 82.9279% | 2,922 |
| Net loans and leases to core deposits | 87.8173% | 3,392 |
| Total domestic deposits to total assets | 87.2329% | 2,409 |
| Equity capital to assets | 10.4140% | 3,621 |
| Core capital (leverage) ratio | 8.9834% | 4,723 |
| Tier 1 risk-based capital ratio | 11.7723% | 5,669 |
| Total risk-based capital ratio | 13.0451% | 5,627 |
| Memoranda: | ||
| Average total assets | $938,078,250 | 713 |
| Average earning assets | $826,770,250 | 733 |
| Average equity | $95,886,500 | 700 |
| Average total loans | $707,303,750 | 619 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4678% | 2,665 |
| Cost of funding earning assets | 1.4586% | 3,508 |
| Net interest margin | 4.0091% | 2,968 |
| Noninterest income to average assets | 0.8076% | 2,080 |
| Noninterest expense to average assets | 3.4512% | 2,145 |
| Loan and lease loss provision to assets | 0.9061% | 1,607 |
| Net operating income to assets | -0.0043% | 6,088 |
| Return on assets (ROA) | 0.0185% | 6,155 |
| Pretax return on assets | 0.0038% | 6,148 |
| Return on Equity (ROE) | 0.1826% | 6,153 |
| Retained earnings to average equity (ytd only) | 0.1826% | 5,675 |
| Net charge-offs to loans | 0.9009% | 2,029 |
| Credit loss provision to net charge-offs | 132.8956% | 3,027 |
| Earnings coverage of net charge-offs (x) | 1.3011% | 4,530 |
| Efficiency ratio | 79.5508% | 2,500 |
| Assets per employee ($millions) | 3.2755% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9881% | 827 |
| Loan loss allowance to noncurrent loans | 108.0953% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 2.1152% | 3,359 |
| Noncurrent loans to loans | 2.7643% | 2,892 |
| Net loans and leases to total assets | 71.8687% | 2,434 |
| Net loans and leases to deposits | 83.1813% | 3,036 |
| Net loans and leases to core deposits | 89.0199% | 3,405 |
| Total domestic deposits to total assets | 86.4001% | 2,868 |
| Equity capital to assets | 10.3342% | 3,606 |
| Core capital (leverage) ratio | 8.9276% | 4,714 |
| Tier 1 risk-based capital ratio | 11.6302% | 5,646 |
| Total risk-based capital ratio | 12.9030% | 5,589 |
| Memoranda: | ||
| Average total assets | $938,063,670 | 709 |
| Average earning assets | $826,116,000 | 731 |
| Average equity | $95,283,330 | 696 |
| Average total loans | $709,940,330 | 619 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 2,743 |
| Cost of funding earning assets | 1.4829% | 3,677 |
| Net interest margin | 3.9846% | 2,936 |
| Noninterest income to average assets | 0.7691% | 2,182 |
| Noninterest expense to average assets | 3.4307% | 2,155 |
| Loan and lease loss provision to assets | 1.2997% | 932 |
| Net operating income to assets | -0.2982% | 6,665 |
| Return on assets (ROA) | -0.2800% | 6,703 |
| Pretax return on assets | -0.4253% | 6,736 |
| Return on Equity (ROE) | -2.7803% | 6,720 |
| Retained earnings to average equity (ytd only) | -2.7803% | 6,330 |
| Net charge-offs to loans | 0.6792% | 2,132 |
| Credit loss provision to net charge-offs | 250.2051% | 1,538 |
| Earnings coverage of net charge-offs (x) | 1.6300% | 3,756 |
| Efficiency ratio | 80.2052% | 2,539 |
| Assets per employee ($millions) | 3.2685% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0180% | 809 |
| Loan loss allowance to noncurrent loans | 110.1239% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 2.1737% | 3,307 |
| Noncurrent loans to loans | 2.7405% | 2,906 |
| Net loans and leases to total assets | 73.9654% | 1,977 |
| Net loans and leases to deposits | 86.1679% | 2,556 |
| Net loans and leases to core deposits | 90.9241% | 3,240 |
| Total domestic deposits to total assets | 85.8387% | 3,237 |
| Equity capital to assets | 10.1431% | 3,680 |
| Core capital (leverage) ratio | 8.7186% | 4,988 |
| Tier 1 risk-based capital ratio | 11.0854% | 6,080 |
| Total risk-based capital ratio | 12.3584% | 6,021 |
| Memoranda: | ||
| Average total assets | $938,706,000 | 725 |
| Average earning assets | $826,472,000 | 750 |
| Average equity | $94,520,500 | 702 |
| Average total loans | $717,916,500 | 633 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6152% | 3,528 |
| Cost of funding earning assets | 1.6658% | 4,696 |
| Net interest margin | 3.9494% | 3,081 |
| Noninterest income to average assets | 0.8716% | 2,069 |
| Noninterest expense to average assets | 3.4887% | 2,397 |
| Loan and lease loss provision to assets | 1.6101% | 1,420 |
| Net operating income to assets | -0.4409% | 6,117 |
| Return on assets (ROA) | -0.4298% | 6,106 |
| Pretax return on assets | -0.7073% | 6,199 |
| Return on Equity (ROE) | -4.1796% | 6,130 |
| Retained earnings to average equity (ytd only) | -4.1796% | 5,898 |
| Net charge-offs to loans | 0.6044% | 3,407 |
| Credit loss provision to net charge-offs | 346.2857% | 938 |
| Earnings coverage of net charge-offs (x) | 1.9042% | 4,295 |
| Efficiency ratio | 79.4956% | 2,957 |
| Assets per employee ($millions) | 3.4153% | 5,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7230% | 996 |
| Loan loss allowance to noncurrent loans | 115.0093% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 1.9453% | 3,460 |
| Noncurrent loans to loans | 2.3677% | 3,207 |
| Net loans and leases to total assets | 74.6016% | 2,120 |
| Net loans and leases to deposits | 89.4441% | 2,314 |
| Net loans and leases to core deposits | 101.8725% | 3,812 |
| Total domestic deposits to total assets | 83.4058% | 4,332 |
| Equity capital to assets | 9.9959% | 3,771 |
| Core capital (leverage) ratio | 8.7077% | 4,914 |
| Tier 1 risk-based capital ratio | 10.8790% | 6,032 |
| Total risk-based capital ratio | 12.1481% | 5,992 |
| Memoranda: | ||
| Average total assets | $940,933,000 | 713 |
| Average earning assets | $834,447,600 | 733 |
| Average equity | $96,756,400 | 681 |
| Average total loans | $723,832,600 | 636 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6219% | 3,731 |
| Cost of funding earning assets | 1.6922% | 4,941 |
| Net interest margin | 3.9297% | 3,125 |
| Noninterest income to average assets | 0.8546% | 2,181 |
| Noninterest expense to average assets | 3.3799% | 2,635 |
| Loan and lease loss provision to assets | 1.6161% | 1,168 |
| Net operating income to assets | -0.4138% | 6,339 |
| Return on assets (ROA) | -0.3989% | 6,319 |
| Pretax return on assets | -0.6253% | 6,420 |
| Return on Equity (ROE) | -3.8525% | 6,328 |
| Retained earnings to average equity (ytd only) | -3.8525% | 6,090 |
| Net charge-offs to loans | 0.1943% | 4,846 |
| Credit loss provision to net charge-offs | 1,080.5687% | 353 |
| Earnings coverage of net charge-offs (x) | 6.4692% | 2,600 |
| Efficiency ratio | 77.3926% | 3,260 |
| Assets per employee ($millions) | 3.3226% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6649% | 912 |
| Loan loss allowance to noncurrent loans | 94.0967% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 2.4987% | 2,774 |
| Noncurrent loans to loans | 2.8321% | 2,678 |
| Net loans and leases to total assets | 75.5947% | 2,077 |
| Net loans and leases to deposits | 90.2359% | 2,534 |
| Net loans and leases to core deposits | 102.3447% | 4,123 |
| Total domestic deposits to total assets | 83.7745% | 3,830 |
| Equity capital to assets | 10.3047% | 3,730 |
| Core capital (leverage) ratio | 8.8394% | 4,909 |
| Tier 1 risk-based capital ratio | 10.8758% | 6,080 |
| Total risk-based capital ratio | 12.1430% | 6,021 |
| Memoranda: | ||
| Average total assets | $940,508,000 | 726 |
| Average earning assets | $835,964,500 | 745 |
| Average equity | $97,389,250 | 681 |
| Average total loans | $724,064,750 | 658 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 3,830 |
| Cost of funding earning assets | 1.6952% | 5,292 |
| Net interest margin | 3.9516% | 2,884 |
| Noninterest income to average assets | 0.8348% | 2,249 |
| Noninterest expense to average assets | 3.3597% | 2,757 |
| Loan and lease loss provision to assets | 1.0806% | 1,585 |
| Net operating income to assets | -0.0782% | 5,970 |
| Return on assets (ROA) | -0.0483% | 5,986 |
| Pretax return on assets | -0.0559% | 5,946 |
| Return on Equity (ROE) | -0.4658% | 5,991 |
| Retained earnings to average equity (ytd only) | -0.4658% | 5,339 |
| Net charge-offs to loans | 0.1115% | 5,044 |
| Credit loss provision to net charge-offs | 1,262.3762% | 391 |
| Earnings coverage of net charge-offs (x) | 11.5644% | 1,893 |
| Efficiency ratio | 76.7147% | 3,563 |
| Assets per employee ($millions) | 3.3314% | 5,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8395% | 1,946 |
| Loan loss allowance to noncurrent loans | 100.0221% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.5452% | 3,908 |
| Noncurrent loans to loans | 1.8391% | 3,750 |
| Net loans and leases to total assets | 76.4691% | 2,060 |
| Net loans and leases to deposits | 92.6067% | 2,345 |
| Net loans and leases to core deposits | 103.6246% | 4,101 |
| Total domestic deposits to total assets | 82.5741% | 4,441 |
| Equity capital to assets | 10.2845% | 3,629 |
| Core capital (leverage) ratio | 9.1489% | 4,388 |
| Tier 1 risk-based capital ratio | 11.1093% | 5,762 |
| Total risk-based capital ratio | 12.3667% | 5,676 |
| Memoranda: | ||
| Average total assets | $943,898,330 | 743 |
| Average earning assets | $839,550,000 | 754 |
| Average equity | $97,896,330 | 684 |
| Average total loans | $724,573,000 | 678 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6429% | 4,093 |
| Cost of funding earning assets | 1.6798% | 5,698 |
| Net interest margin | 3.9631% | 2,803 |
| Noninterest income to average assets | 0.8182% | 2,244 |
| Noninterest expense to average assets | 3.2629% | 2,757 |
| Loan and lease loss provision to assets | 0.7650% | 1,681 |
| Net operating income to assets | 0.2233% | 5,591 |
| Return on assets (ROA) | 0.2537% | 5,636 |
| Pretax return on assets | 0.3557% | 5,522 |
| Return on Equity (ROE) | 2.4362% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.4362% | 4,521 |
| Net charge-offs to loans | 0.0273% | 5,147 |
| Credit loss provision to net charge-offs | 3,673.4694% | 195 |
| Earnings coverage of net charge-offs (x) | 51.7551% | 706 |
| Efficiency ratio | 74.1114% | 3,808 |
| Assets per employee ($millions) | 3.2819% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4665% | 3,160 |
| Loan loss allowance to noncurrent loans | 278.4278% | 1,212 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 5,864 |
| Noncurrent loans to loans | 0.5267% | 6,103 |
| Net loans and leases to total assets | 75.7840% | 2,322 |
| Net loans and leases to deposits | 95.8886% | 1,968 |
| Net loans and leases to core deposits | 108.9665% | 3,566 |
| Total domestic deposits to total assets | 79.0334% | 5,713 |
| Equity capital to assets | 10.4327% | 3,528 |
| Core capital (leverage) ratio | 9.2412% | 4,345 |
| Tier 1 risk-based capital ratio | 11.2812% | 5,616 |
| Total risk-based capital ratio | 12.5341% | 5,525 |
| Memoranda: | ||
| Average total assets | $941,118,000 | 743 |
| Average earning assets | $836,514,000 | 760 |
| Average equity | $98,021,000 | 685 |
| Average total loans | $717,035,000 | 696 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0188% | 5,455 |
| Cost of funding earning assets | 2.2272% | 5,469 |
| Net interest margin | 3.7915% | 4,057 |
| Noninterest income to average assets | 1.0976% | 1,306 |
| Noninterest expense to average assets | 3.3447% | 2,831 |
| Loan and lease loss provision to assets | 0.3252% | 3,780 |
| Net operating income to assets | 0.6000% | 4,303 |
| Return on assets (ROA) | 0.5917% | 4,208 |
| Pretax return on assets | 0.7444% | 4,265 |
| Return on Equity (ROE) | 5.6645% | 4,090 |
| Retained earnings to average equity (ytd only) | -0.7216% | 5,522 |
| Net charge-offs to loans | 0.1941% | 4,246 |
| Credit loss provision to net charge-offs | 230.8603% | 2,061 |
| Earnings coverage of net charge-offs (x) | 7.6685% | 3,048 |
| Efficiency ratio | 73.4159% | 3,677 |
| Assets per employee ($millions) | 3.2764% | 5,272 |
| Cash dividends to net income (ytd only)* | 112.7396% | 767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 4,045 |
| Loan loss allowance to noncurrent loans | 263.7655% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 5,747 |
| Noncurrent loans to loans | 0.4777% | 5,916 |
| Net loans and leases to total assets | 74.5103% | 2,987 |
| Net loans and leases to deposits | 100.4379% | 1,796 |
| Net loans and leases to core deposits | 110.1312% | 3,768 |
| Total domestic deposits to total assets | 74.1855% | 6,624 |
| Equity capital to assets | 10.3980% | 3,611 |
| Core capital (leverage) ratio | 9.3025% | 4,297 |
| Tier 1 risk-based capital ratio | 11.3127% | 5,425 |
| Total risk-based capital ratio | 12.5631% | 5,322 |
| Memoranda: | ||
| Average total assets | $899,505,800 | 739 |
| Average earning assets | $789,361,800 | 780 |
| Average equity | $93,953,400 | 713 |
| Average total loans | $652,798,400 | 729 |