Home > Bank of New Hampshire > Performance and Condition Ratios
Bank of New Hampshire, 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 | 4.2778% | 3,475 |
| Cost of funding earning assets | 1.2724% | 2,593 |
| Net interest margin | 3.0054% | 3,269 |
| Noninterest income to average assets | 0.6700% | 1,291 |
| Noninterest expense to average assets | 2.3759% | 2,651 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.8780% | 2,613 |
| Return on assets (ROA) | 0.8780% | 2,583 |
| Pretax return on assets | 1.1138% | 2,370 |
| Return on Equity (ROE) | 8.5800% | 2,872 |
| Retained earnings to average equity (ytd only) | 8.5828% | 1,370 |
| Net charge-offs to loans | 0.0082% | 2,364 |
| Credit loss provision to net charge-offs | -287.0370% | 4,519 |
| Earnings coverage of net charge-offs (x) | 166.0802% | 669 |
| Efficiency ratio | 68.2765% | 2,079 |
| Assets per employee ($millions) | 9.5300% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,277 |
| Loan loss allowance to noncurrent loans | 4,325.7658% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0221% | 3,578 |
| Noncurrent loans to loans | 0.0278% | 3,542 |
| Net loans and leases to total assets | 78.2800% | 839 |
| Net loans and leases to deposits | 93.5188% | 974 |
| Net loans and leases to core deposits | 102.0992% | 1,327 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 10.5826% | 1,689 |
| Core capital (leverage) ratio | 11.0871% | 1,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2074% | 1,799 |
| Memoranda: | ||
| Average total assets | $2,457,368,600 | 477 |
| Average earning assets | $2,289,669,000 | 465 |
| Average equity | $251,375,400 | 450 |
| Average total loans | $1,986,810,000 | 407 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1992% | 3,466 |
| Cost of funding earning assets | 1.1555% | 2,576 |
| Net interest margin | 3.0437% | 3,249 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.3743% | 2,586 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8711% | 2,791 |
| Return on assets (ROA) | 0.8711% | 2,776 |
| Pretax return on assets | 1.1120% | 2,534 |
| Return on Equity (ROE) | 8.5900% | 3,036 |
| Retained earnings to average equity (ytd only) | 8.5918% | 1,797 |
| Net charge-offs to loans | 0.0090% | 2,075 |
| Credit loss provision to net charge-offs | 186.5672% | 1,165 |
| Earnings coverage of net charge-offs (x) | 153.8955% | 712 |
| Efficiency ratio | 67.6611% | 2,050 |
| Assets per employee ($millions) | 8.7826% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,133 |
| Loan loss allowance to noncurrent loans | 3,350.6739% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 3,503 |
| Noncurrent loans to loans | 0.0372% | 3,499 |
| Net loans and leases to total assets | 80.4600% | 593 |
| Net loans and leases to deposits | 94.4376% | 864 |
| Net loans and leases to core deposits | 102.1296% | 1,206 |
| Total domestic deposits to total assets | 85.1900% | 2,447 |
| Equity capital to assets | 10.2715% | 1,661 |
| Core capital (leverage) ratio | 10.9018% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7963% | 1,974 |
| Memoranda: | ||
| Average total assets | $2,442,732,000 | 484 |
| Average earning assets | $2,276,001,750 | 468 |
| Average equity | $247,657,250 | 452 |
| Average total loans | $1,985,129,500 | 404 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 3,480 |
| Cost of funding earning assets | 1.0166% | 2,542 |
| Net interest margin | 3.0879% | 3,251 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.3724% | 2,586 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.8530% | 2,915 |
| Return on assets (ROA) | 0.8530% | 2,917 |
| Pretax return on assets | 1.0898% | 2,673 |
| Return on Equity (ROE) | 8.4500% | 3,124 |
| Retained earnings to average equity (ytd only) | 8.4510% | 1,829 |
| Net charge-offs to loans | 0.0075% | 1,950 |
| Credit loss provision to net charge-offs | 1,013.5135% | 405 |
| Earnings coverage of net charge-offs (x) | 189.8108% | 635 |
| Efficiency ratio | 67.1520% | 2,086 |
| Assets per employee ($millions) | 8.6299% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2677% | 2,085 |
| Loan loss allowance to noncurrent loans | 2,514.5401% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 3,363 |
| Noncurrent loans to loans | 0.0504% | 3,349 |
| Net loans and leases to total assets | 80.5000% | 586 |
| Net loans and leases to deposits | 96.0368% | 731 |
| Net loans and leases to core deposits | 102.7689% | 1,102 |
| Total domestic deposits to total assets | 83.8200% | 2,868 |
| Equity capital to assets | 10.1911% | 1,750 |
| Core capital (leverage) ratio | 10.8008% | 2,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5221% | 2,083 |
| Memoranda: | ||
| Average total assets | $2,440,191,333 | 470 |
| Average earning assets | $2,272,775,000 | 459 |
| Average equity | $246,313,333 | 445 |
| Average total loans | $1,981,406,000 | 392 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0394% | 3,375 |
| Cost of funding earning assets | 0.8006% | 2,735 |
| Net interest margin | 3.2388% | 3,020 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.3584% | 2,643 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 0.9943% | 2,551 |
| Return on assets (ROA) | 0.9943% | 2,517 |
| Pretax return on assets | 1.2689% | 2,260 |
| Return on Equity (ROE) | 9.8900% | 2,817 |
| Retained earnings to average equity (ytd only) | 9.8909% | 1,728 |
| Net charge-offs to loans | 0.0093% | 1,594 |
| Credit loss provision to net charge-offs | 815.2174% | 410 |
| Earnings coverage of net charge-offs (x) | 175.6304% | 550 |
| Efficiency ratio | 63.7602% | 2,488 |
| Assets per employee ($millions) | 8.2902% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 2,185 |
| Loan loss allowance to noncurrent loans | 1,777.5177% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 3,207 |
| Noncurrent loans to loans | 0.0714% | 3,222 |
| Net loans and leases to total assets | 80.3000% | 511 |
| Net loans and leases to deposits | 95.1239% | 713 |
| Net loans and leases to core deposits | 101.1988% | 1,036 |
| Total domestic deposits to total assets | 84.4100% | 2,992 |
| Equity capital to assets | 10.2413% | 1,699 |
| Core capital (leverage) ratio | 10.6657% | 2,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3371% | 2,249 |
| Memoranda: | ||
| Average total assets | $2,428,589,000 | 479 |
| Average earning assets | $2,264,667,500 | 469 |
| Average equity | $244,143,500 | 457 |
| Average total loans | $1,969,416,000 | 405 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8055% | 2,262 |
| Cost of funding earning assets | 0.2377% | 3,432 |
| Net interest margin | 3.5677% | 1,737 |
| Noninterest income to average assets | 0.6500% | 1,457 |
| Noninterest expense to average assets | 2.4636% | 2,225 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.1521% | 1,964 |
| Return on assets (ROA) | 1.1483% | 1,921 |
| Pretax return on assets | 1.5049% | 1,443 |
| Return on Equity (ROE) | 11.5200% | 2,298 |
| Retained earnings to average equity (ytd only) | 11.5187% | 773 |
| Net charge-offs to loans | 0.0027% | 2,400 |
| Credit loss provision to net charge-offs | 490.1961% | 687 |
| Earnings coverage of net charge-offs (x) | 708.2353% | 252 |
| Efficiency ratio | 61.6790% | 2,811 |
| Assets per employee ($millions) | 8.2590% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 2,574 |
| Loan loss allowance to noncurrent loans | 1,510.8019% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.0621% | 3,182 |
| Noncurrent loans to loans | 0.0769% | 3,209 |
| Net loans and leases to total assets | 79.9200% | 602 |
| Net loans and leases to deposits | 94.4165% | 755 |
| Net loans and leases to core deposits | 101.3364% | 930 |
| Total domestic deposits to total assets | 84.6400% | 3,073 |
| Equity capital to assets | 9.8644% | 1,779 |
| Core capital (leverage) ratio | 10.5607% | 2,137 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9850% | 2,386 |
| Memoranda: | ||
| Average total assets | $2,375,908,000 | 472 |
| Average earning assets | $2,219,811,000 | 461 |
| Average equity | $236,857,600 | 460 |
| Average total loans | $1,863,331,000 | 400 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7505% | 1,889 |
| Cost of funding earning assets | 0.1688% | 3,638 |
| Net interest margin | 3.5816% | 1,432 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.4178% | 2,263 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2221% | 1,621 |
| Return on assets (ROA) | 1.2170% | 1,619 |
| Pretax return on assets | 1.5946% | 1,131 |
| Return on Equity (ROE) | 12.1700% | 1,983 |
| Retained earnings to average equity (ytd only) | 12.1746% | 757 |
| Net charge-offs to loans | 0.0028% | 2,151 |
| Credit loss provision to net charge-offs | 657.8947% | 531 |
| Earnings coverage of net charge-offs (x) | 753.2895% | 217 |
| Efficiency ratio | 59.7898% | 3,138 |
| Assets per employee ($millions) | 8.1357% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1857% | 2,608 |
| Loan loss allowance to noncurrent loans | 2,160.2273% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0440% | 3,461 |
| Noncurrent loans to loans | 0.0549% | 3,485 |
| Net loans and leases to total assets | 79.2100% | 599 |
| Net loans and leases to deposits | 91.0137% | 824 |
| Net loans and leases to core deposits | 97.8582% | 903 |
| Total domestic deposits to total assets | 87.0300% | 2,749 |
| Equity capital to assets | 9.6133% | 1,821 |
| Core capital (leverage) ratio | 10.1964% | 2,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8729% | 2,525 |
| Memoranda: | ||
| Average total assets | $2,362,847,500 | 473 |
| Average earning assets | $2,209,597,750 | 464 |
| Average equity | $236,191,250 | 465 |
| Average total loans | $1,838,329,000 | 402 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6699% | 1,623 |
| Cost of funding earning assets | 0.1164% | 4,005 |
| Net interest margin | 3.5534% | 1,175 |
| Noninterest income to average assets | 0.7498% | 1,174 |
| Noninterest expense to average assets | 2.3672% | 2,345 |
| Loan and lease loss provision to assets | 0.0213% | 2,221 |
| Net operating income to assets | 1.2841% | 1,184 |
| Return on assets (ROA) | 1.2763% | 1,189 |
| Pretax return on assets | 1.6778% | 791 |
| Return on Equity (ROE) | 12.6043% | 1,493 |
| Retained earnings to average equity (ytd only) | 12.6043% | 516 |
| Net charge-offs to loans | 0.0024% | 2,007 |
| Credit loss provision to net charge-offs | 1,136.3636% | 372 |
| Earnings coverage of net charge-offs (x) | 912.8636% | 145 |
| Efficiency ratio | 57.9170% | 3,572 |
| Assets per employee ($millions) | 8.3915% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 2,656 |
| Loan loss allowance to noncurrent loans | 2,016.5194% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,512 |
| Noncurrent loans to loans | 0.0598% | 3,505 |
| Net loans and leases to total assets | 78.7351% | 503 |
| Net loans and leases to deposits | 92.8253% | 564 |
| Net loans and leases to core deposits | 98.3416% | 749 |
| Total domestic deposits to total assets | 84.8207% | 3,523 |
| Equity capital to assets | 9.7424% | 1,854 |
| Core capital (leverage) ratio | 10.2420% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6943% | 2,612 |
| Memoranda: | ||
| Average total assets | $2,350,457,000 | 472 |
| Average earning assets | $2,200,185,000 | 465 |
| Average equity | $238,014,333 | 465 |
| Average total loans | $1,809,818,333 | 398 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5988% | 1,509 |
| Cost of funding earning assets | 0.1006% | 4,125 |
| Net interest margin | 3.4982% | 1,094 |
| Noninterest income to average assets | 0.8408% | 950 |
| Noninterest expense to average assets | 2.2644% | 2,635 |
| Loan and lease loss provision to assets | 0.0428% | 1,589 |
| Net operating income to assets | 1.3899% | 819 |
| Return on assets (ROA) | 1.3899% | 816 |
| Pretax return on assets | 1.8164% | 532 |
| Return on Equity (ROE) | 13.4664% | 946 |
| Retained earnings to average equity (ytd only) | 13.4664% | 426 |
| Net charge-offs to loans | 0.0068% | 1,510 |
| Credit loss provision to net charge-offs | 833.3333% | 383 |
| Earnings coverage of net charge-offs (x) | 362.2667% | 274 |
| Efficiency ratio | 54.7563% | 4,003 |
| Assets per employee ($millions) | 8.4335% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,674 |
| Loan loss allowance to noncurrent loans | 1,416.5115% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 3,375 |
| Noncurrent loans to loans | 0.0873% | 3,404 |
| Net loans and leases to total assets | 77.2245% | 437 |
| Net loans and leases to deposits | 91.8342% | 438 |
| Net loans and leases to core deposits | 97.1595% | 605 |
| Total domestic deposits to total assets | 84.0912% | 3,750 |
| Equity capital to assets | 9.9822% | 1,902 |
| Core capital (leverage) ratio | 10.2181% | 2,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5880% | 2,748 |
| Memoranda: | ||
| Average total assets | $2,338,292,500 | 476 |
| Average earning assets | $2,194,264,500 | 470 |
| Average equity | $241,341,500 | 466 |
| Average total loans | $1,768,419,000 | 403 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4194% | 2,886 |
| Cost of funding earning assets | 0.1112% | 4,297 |
| Net interest margin | 3.3082% | 2,299 |
| Noninterest income to average assets | 0.7594% | 1,566 |
| Noninterest expense to average assets | 2.5195% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0686% | 2,423 |
| Return on assets (ROA) | 1.0832% | 2,427 |
| Pretax return on assets | 1.3590% | 2,173 |
| Return on Equity (ROE) | 10.7126% | 2,271 |
| Retained earnings to average equity (ytd only) | 10.7126% | 761 |
| Net charge-offs to loans | -0.0018% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0866% | 2,388 |
| Assets per employee ($millions) | 8.2099% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,196 |
| Loan loss allowance to noncurrent loans | 524.1187% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.1862% | 2,634 |
| Noncurrent loans to loans | 0.2551% | 2,700 |
| Net loans and leases to total assets | 72.0391% | 840 |
| Net loans and leases to deposits | 85.3709% | 834 |
| Net loans and leases to core deposits | 91.7675% | 893 |
| Total domestic deposits to total assets | 84.3837% | 3,451 |
| Equity capital to assets | 10.6671% | 2,034 |
| Core capital (leverage) ratio | 10.0490% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2995% | 2,529 |
| Memoranda: | ||
| Average total assets | $2,166,792,000 | 486 |
| Average earning assets | $2,030,993,800 | 483 |
| Average equity | $219,087,400 | 498 |
| Average total loans | $1,571,808,000 | 451 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 2,964 |
| Cost of funding earning assets | 0.1136% | 4,397 |
| Net interest margin | 3.3349% | 2,321 |
| Noninterest income to average assets | 0.8320% | 1,435 |
| Noninterest expense to average assets | 2.5420% | 1,995 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1206% | 2,475 |
| Return on assets (ROA) | 1.1353% | 2,481 |
| Pretax return on assets | 1.4305% | 2,213 |
| Return on Equity (ROE) | 11.3984% | 2,242 |
| Retained earnings to average equity (ytd only) | 11.3984% | 971 |
| Net charge-offs to loans | -0.0041% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1101% | 2,371 |
| Assets per employee ($millions) | 8.3637% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 1,869 |
| Loan loss allowance to noncurrent loans | 590.7025% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 0.1696% | 2,994 |
| Noncurrent loans to loans | 0.2430% | 2,962 |
| Net loans and leases to total assets | 68.7716% | 1,224 |
| Net loans and leases to deposits | 80.0358% | 1,289 |
| Net loans and leases to core deposits | 86.0473% | 1,291 |
| Total domestic deposits to total assets | 85.9261% | 2,778 |
| Equity capital to assets | 9.7173% | 3,177 |
| Core capital (leverage) ratio | 8.8673% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3746% | 2,885 |
| Memoranda: | ||
| Average total assets | $2,129,690,750 | 497 |
| Average earning assets | $1,993,670,000 | 498 |
| Average equity | $212,118,000 | 515 |
| Average total loans | $1,542,148,250 | 469 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3874% | 3,213 |
| Cost of funding earning assets | 0.1139% | 4,476 |
| Net interest margin | 3.2734% | 2,540 |
| Noninterest income to average assets | 0.9071% | 1,254 |
| Noninterest expense to average assets | 2.5913% | 1,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1127% | 2,496 |
| Return on assets (ROA) | 1.1381% | 2,471 |
| Pretax return on assets | 1.4087% | 2,307 |
| Return on Equity (ROE) | 11.3269% | 2,298 |
| Retained earnings to average equity (ytd only) | 11.3269% | 1,056 |
| Net charge-offs to loans | -0.0074% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1099% | 2,284 |
| Assets per employee ($millions) | 7.9677% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 1,799 |
| Loan loss allowance to noncurrent loans | 506.6726% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.2053% | 2,917 |
| Noncurrent loans to loans | 0.2847% | 2,915 |
| Net loans and leases to total assets | 71.0757% | 1,071 |
| Net loans and leases to deposits | 83.7435% | 1,083 |
| Net loans and leases to core deposits | 90.3932% | 1,113 |
| Total domestic deposits to total assets | 84.8731% | 3,152 |
| Equity capital to assets | 9.8713% | 2,982 |
| Core capital (leverage) ratio | 9.0462% | 3,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8208% | 2,769 |
| Memoranda: | ||
| Average total assets | $2,086,853,333 | 507 |
| Average earning assets | $1,951,765,000 | 504 |
| Average equity | $209,678,667 | 516 |
| Average total loans | $1,530,990,667 | 472 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3870% | 3,235 |
| Cost of funding earning assets | 0.1198% | 4,521 |
| Net interest margin | 3.2672% | 2,491 |
| Noninterest income to average assets | 0.8350% | 1,502 |
| Noninterest expense to average assets | 2.4194% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1565% | 2,311 |
| Return on assets (ROA) | 1.1565% | 2,378 |
| Pretax return on assets | 1.4757% | 2,057 |
| Return on Equity (ROE) | 11.4038% | 2,225 |
| Retained earnings to average equity (ytd only) | 11.4038% | 1,298 |
| Net charge-offs to loans | -0.0011% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9225% | 2,771 |
| Assets per employee ($millions) | 7.6433% | 1,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 1,605 |
| Loan loss allowance to noncurrent loans | 443.7783% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 2,903 |
| Noncurrent loans to loans | 0.3382% | 2,886 |
| Net loans and leases to total assets | 71.5293% | 1,089 |
| Net loans and leases to deposits | 82.7439% | 1,271 |
| Net loans and leases to core deposits | 89.1334% | 1,279 |
| Total domestic deposits to total assets | 86.4466% | 2,552 |
| Equity capital to assets | 10.0730% | 2,641 |
| Core capital (leverage) ratio | 9.1547% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1182% | 2,621 |
| Memoranda: | ||
| Average total assets | $2,042,686,500 | 511 |
| Average earning assets | $1,913,190,500 | 506 |
| Average equity | $207,158,500 | 514 |
| Average total loans | $1,512,157,500 | 477 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 2,481 |
| Cost of funding earning assets | 0.3062% | 4,104 |
| Net interest margin | 3.7751% | 1,571 |
| Noninterest income to average assets | 0.7278% | 1,755 |
| Noninterest expense to average assets | 2.4808% | 2,902 |
| Loan and lease loss provision to assets | 0.4553% | 608 |
| Net operating income to assets | 1.0338% | 2,160 |
| Return on assets (ROA) | 1.0407% | 2,282 |
| Pretax return on assets | 1.3129% | 1,930 |
| Return on Equity (ROE) | 10.2172% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.2172% | 547 |
| Net charge-offs to loans | 0.0142% | 2,840 |
| Credit loss provision to net charge-offs | 3,961.1872% | 271 |
| Earnings coverage of net charge-offs (x) | 153.0685% | 561 |
| Efficiency ratio | 58.3186% | 3,681 |
| Assets per employee ($millions) | 7.4872% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 1,636 |
| Loan loss allowance to noncurrent loans | 387.6846% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 2,844 |
| Noncurrent loans to loans | 0.3830% | 2,834 |
| Net loans and leases to total assets | 74.3559% | 972 |
| Net loans and leases to deposits | 88.1640% | 1,074 |
| Net loans and leases to core deposits | 95.8896% | 1,122 |
| Total domestic deposits to total assets | 84.3382% | 3,003 |
| Equity capital to assets | 10.2119% | 2,925 |
| Core capital (leverage) ratio | 9.0195% | 3,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,905,310,800 | 495 |
| Average earning assets | $1,772,744,200 | 495 |
| Average equity | $194,074,600 | 517 |
| Average total loans | $1,539,082,600 | 438 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2082% | 2,379 |
| Cost of funding earning assets | 0.3568% | 4,021 |
| Net interest margin | 3.8514% | 1,477 |
| Noninterest income to average assets | 0.6177% | 2,107 |
| Noninterest expense to average assets | 2.4645% | 2,950 |
| Loan and lease loss provision to assets | 0.5679% | 467 |
| Net operating income to assets | 0.9348% | 2,583 |
| Return on assets (ROA) | 0.9377% | 2,702 |
| Pretax return on assets | 1.1679% | 2,497 |
| Return on Equity (ROE) | 9.2123% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.2123% | 932 |
| Net charge-offs to loans | 0.0109% | 2,718 |
| Credit loss provision to net charge-offs | 6,349.2063% | 181 |
| Earnings coverage of net charge-offs (x) | 193.6587% | 504 |
| Efficiency ratio | 58.5314% | 3,595 |
| Assets per employee ($millions) | 7.4877% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3738% | 1,857 |
| Loan loss allowance to noncurrent loans | 406.2258% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 3,077 |
| Noncurrent loans to loans | 0.3382% | 3,067 |
| Net loans and leases to total assets | 79.5583% | 648 |
| Net loans and leases to deposits | 92.8591% | 1,012 |
| Net loans and leases to core deposits | 101.0754% | 1,087 |
| Total domestic deposits to total assets | 85.6764% | 2,186 |
| Equity capital to assets | 10.0509% | 3,185 |
| Core capital (leverage) ratio | 9.0272% | 3,730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,878,126,250 | 491 |
| Average earning assets | $1,745,338,000 | 491 |
| Average equity | $191,175,250 | 519 |
| Average total loans | $1,543,819,250 | 435 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 2,679 |
| Cost of funding earning assets | 0.4270% | 3,913 |
| Net interest margin | 3.7982% | 1,840 |
| Noninterest income to average assets | 0.6895% | 1,780 |
| Noninterest expense to average assets | 2.4134% | 3,223 |
| Loan and lease loss provision to assets | 0.6512% | 447 |
| Net operating income to assets | 0.9365% | 2,553 |
| Return on assets (ROA) | 0.9410% | 2,662 |
| Pretax return on assets | 1.1552% | 2,526 |
| Return on Equity (ROE) | 9.1872% | 2,283 |
| Retained earnings to average equity (ytd only) | 9.1872% | 958 |
| Net charge-offs to loans | 0.0108% | 2,565 |
| Credit loss provision to net charge-offs | 7,317.0732% | 165 |
| Earnings coverage of net charge-offs (x) | 202.3537% | 442 |
| Efficiency ratio | 57.0707% | 3,805 |
| Assets per employee ($millions) | 7.3744% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,244 |
| Loan loss allowance to noncurrent loans | 341.3940% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.2936% | 3,140 |
| Noncurrent loans to loans | 0.3670% | 3,092 |
| Net loans and leases to total assets | 79.0064% | 721 |
| Net loans and leases to deposits | 99.5890% | 580 |
| Net loans and leases to core deposits | 107.9549% | 822 |
| Total domestic deposits to total assets | 79.3325% | 3,968 |
| Equity capital to assets | 9.7434% | 3,428 |
| Core capital (leverage) ratio | 9.0457% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,842,723,333 | 497 |
| Average earning assets | $1,710,076,667 | 497 |
| Average equity | $188,740,667 | 524 |
| Average total loans | $1,524,885,000 | 427 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,872 |
| Cost of funding earning assets | 0.5873% | 3,498 |
| Net interest margin | 3.7296% | 2,220 |
| Noninterest income to average assets | 0.7690% | 1,398 |
| Noninterest expense to average assets | 2.8832% | 2,174 |
| Loan and lease loss provision to assets | 0.1813% | 1,645 |
| Net operating income to assets | 0.9512% | 2,347 |
| Return on assets (ROA) | 0.9512% | 2,448 |
| Pretax return on assets | 1.1591% | 2,338 |
| Return on Equity (ROE) | 9.0379% | 2,095 |
| Retained earnings to average equity (ytd only) | 9.0379% | 965 |
| Net charge-offs to loans | 0.0188% | 1,992 |
| Credit loss provision to net charge-offs | 1,142.8571% | 521 |
| Earnings coverage of net charge-offs (x) | 84.4857% | 649 |
| Efficiency ratio | 68.0601% | 2,654 |
| Assets per employee ($millions) | 6.3137% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 3,735 |
| Loan loss allowance to noncurrent loans | 273.0550% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 3,223 |
| Noncurrent loans to loans | 0.3648% | 3,190 |
| Net loans and leases to total assets | 83.1733% | 338 |
| Net loans and leases to deposits | 105.1314% | 327 |
| Net loans and leases to core deposits | 116.7929% | 562 |
| Total domestic deposits to total assets | 79.1137% | 4,032 |
| Equity capital to assets | 10.6757% | 3,167 |
| Core capital (leverage) ratio | 9.3258% | 4,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,764,853,000 | 502 |
| Average earning assets | $1,634,713,500 | 499 |
| Average equity | $185,752,000 | 530 |
| Average total loans | $1,487,853,500 | 425 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 3,477 |
| Cost of funding earning assets | 0.7138% | 3,100 |
| Net interest margin | 3.6088% | 3,107 |
| Noninterest income to average assets | 0.7790% | 1,518 |
| Noninterest expense to average assets | 2.9143% | 2,249 |
| Loan and lease loss provision to assets | 0.1681% | 1,240 |
| Net operating income to assets | 0.8176% | 3,501 |
| Return on assets (ROA) | 0.8405% | 3,505 |
| Pretax return on assets | 1.0578% | 3,306 |
| Return on Equity (ROE) | 8.2288% | 3,072 |
| Retained earnings to average equity (ytd only) | 8.2288% | 906 |
| Net charge-offs to loans | 0.0104% | 3,316 |
| Credit loss provision to net charge-offs | 1,979.1667% | 196 |
| Earnings coverage of net charge-offs (x) | 140.9444% | 518 |
| Efficiency ratio | 70.6692% | 2,070 |
| Assets per employee ($millions) | 6.1383% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,742 |
| Loan loss allowance to noncurrent loans | 263.6839% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 3,209 |
| Noncurrent loans to loans | 0.3604% | 3,158 |
| Net loans and leases to total assets | 83.7984% | 337 |
| Net loans and leases to deposits | 108.5684% | 215 |
| Net loans and leases to core deposits | 119.7078% | 485 |
| Total domestic deposits to total assets | 77.1849% | 4,470 |
| Equity capital to assets | 10.3728% | 3,570 |
| Core capital (leverage) ratio | 9.1314% | 4,421 |
| Tier 1 risk-based capital ratio | 11.1442% | 4,799 |
| Total risk-based capital ratio | 12.1702% | 4,793 |
| Memoranda: | ||
| Average total assets | $1,695,734,200 | 500 |
| Average earning assets | $1,565,773,600 | 493 |
| Average equity | $173,195,600 | 533 |
| Average total loans | $1,386,647,800 | 431 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3181% | 3,600 |
| Cost of funding earning assets | 0.7254% | 3,096 |
| Net interest margin | 3.5926% | 3,270 |
| Noninterest income to average assets | 0.7853% | 1,466 |
| Noninterest expense to average assets | 2.9408% | 2,123 |
| Loan and lease loss provision to assets | 0.1606% | 1,163 |
| Net operating income to assets | 0.7860% | 3,713 |
| Return on assets (ROA) | 0.7818% | 3,801 |
| Pretax return on assets | 0.9929% | 3,615 |
| Return on Equity (ROE) | 7.6854% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.6854% | 1,545 |
| Net charge-offs to loans | 0.0051% | 3,212 |
| Credit loss provision to net charge-offs | 3,894.2308% | 107 |
| Earnings coverage of net charge-offs (x) | 280.9680% | 327 |
| Efficiency ratio | 71.5104% | 1,898 |
| Assets per employee ($millions) | 6.0597% | 1,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9465% | 3,838 |
| Loan loss allowance to noncurrent loans | 246.7638% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 3,285 |
| Noncurrent loans to loans | 0.3836% | 3,178 |
| Net loans and leases to total assets | 80.5256% | 776 |
| Net loans and leases to deposits | 102.3921% | 485 |
| Net loans and leases to core deposits | 113.6837% | 770 |
| Total domestic deposits to total assets | 78.6444% | 4,236 |
| Equity capital to assets | 10.2484% | 3,780 |
| Core capital (leverage) ratio | 9.0638% | 4,586 |
| Tier 1 risk-based capital ratio | 11.0284% | 4,897 |
| Total risk-based capital ratio | 12.0197% | 4,903 |
| Memoranda: | ||
| Average total assets | $1,680,781,500 | 506 |
| Average earning assets | $1,550,655,250 | 498 |
| Average equity | $170,969,500 | 543 |
| Average total loans | $1,362,001,500 | 441 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3048% | 3,622 |
| Cost of funding earning assets | 0.7123% | 3,099 |
| Net interest margin | 3.5925% | 3,283 |
| Noninterest income to average assets | 0.7653% | 1,458 |
| Noninterest expense to average assets | 2.9686% | 2,089 |
| Loan and lease loss provision to assets | 0.1264% | 1,473 |
| Net operating income to assets | 0.7573% | 3,803 |
| Return on assets (ROA) | 0.7516% | 3,886 |
| Pretax return on assets | 0.9778% | 3,624 |
| Return on Equity (ROE) | 7.4080% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.4080% | 1,643 |
| Net charge-offs to loans | -0.0012% | 3,909 |
| Credit loss provision to net charge-offs | -13,125.0000% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5355% | 1,836 |
| Assets per employee ($millions) | 5.9288% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 4,087 |
| Loan loss allowance to noncurrent loans | 232.3952% | 1,929 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 3,277 |
| Noncurrent loans to loans | 0.3876% | 3,140 |
| Net loans and leases to total assets | 79.7864% | 916 |
| Net loans and leases to deposits | 102.6424% | 503 |
| Net loans and leases to core deposits | 113.5271% | 796 |
| Total domestic deposits to total assets | 77.7324% | 4,448 |
| Equity capital to assets | 10.0975% | 3,889 |
| Core capital (leverage) ratio | 9.0702% | 4,573 |
| Tier 1 risk-based capital ratio | 10.8843% | 4,962 |
| Total risk-based capital ratio | 11.8207% | 4,994 |
| Memoranda: | ||
| Average total assets | $1,661,328,330 | 511 |
| Average earning assets | $1,532,855,330 | 498 |
| Average equity | $168,548,000 | 547 |
| Average total loans | $1,344,723,330 | 449 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2961% | 3,573 |
| Cost of funding earning assets | 0.6782% | 3,163 |
| Net interest margin | 3.6179% | 3,195 |
| Noninterest income to average assets | 0.7351% | 1,479 |
| Noninterest expense to average assets | 2.9551% | 2,119 |
| Loan and lease loss provision to assets | 0.1103% | 1,616 |
| Net operating income to assets | 0.8074% | 3,593 |
| Return on assets (ROA) | 0.7957% | 3,683 |
| Pretax return on assets | 0.9900% | 3,475 |
| Return on Equity (ROE) | 7.8233% | 3,335 |
| Retained earnings to average equity (ytd only) | 7.8233% | 1,729 |
| Net charge-offs to loans | 0.0245% | 1,959 |
| Credit loss provision to net charge-offs | 555.5556% | 575 |
| Earnings coverage of net charge-offs (x) | 56.1728% | 955 |
| Efficiency ratio | 72.3764% | 1,979 |
| Assets per employee ($millions) | 5.6247% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8908% | 4,199 |
| Loan loss allowance to noncurrent loans | 186.5970% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 3,026 |
| Noncurrent loans to loans | 0.4774% | 2,882 |
| Net loans and leases to total assets | 80.6130% | 767 |
| Net loans and leases to deposits | 99.7215% | 658 |
| Net loans and leases to core deposits | 108.0226% | 1,050 |
| Total domestic deposits to total assets | 80.8381% | 4,000 |
| Equity capital to assets | 10.4162% | 3,401 |
| Core capital (leverage) ratio | 9.0972% | 4,578 |
| Tier 1 risk-based capital ratio | 11.2611% | 4,856 |
| Total risk-based capital ratio | 12.1969% | 4,906 |
| Memoranda: | ||
| Average total assets | $1,632,320,500 | 523 |
| Average earning assets | $1,504,622,500 | 515 |
| Average equity | $166,016,500 | 551 |
| Average total loans | $1,324,949,500 | 454 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1139% | 3,700 |
| Cost of funding earning assets | 0.4490% | 3,692 |
| Net interest margin | 3.6649% | 3,177 |
| Noninterest income to average assets | 0.8365% | 1,346 |
| Noninterest expense to average assets | 3.1031% | 1,788 |
| Loan and lease loss provision to assets | 0.1136% | 1,940 |
| Net operating income to assets | 0.7771% | 3,890 |
| Return on assets (ROA) | 0.7754% | 3,896 |
| Pretax return on assets | 0.9857% | 3,658 |
| Return on Equity (ROE) | 7.9449% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.9449% | 1,258 |
| Net charge-offs to loans | 0.0352% | 2,700 |
| Credit loss provision to net charge-offs | 409.7065% | 811 |
| Earnings coverage of net charge-offs (x) | 39.7223% | 1,317 |
| Efficiency ratio | 73.5764% | 1,688 |
| Assets per employee ($millions) | 5.6716% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8594% | 4,334 |
| Loan loss allowance to noncurrent loans | 189.3148% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 3,071 |
| Noncurrent loans to loans | 0.4539% | 2,907 |
| Net loans and leases to total assets | 80.3071% | 893 |
| Net loans and leases to deposits | 102.4697% | 562 |
| Net loans and leases to core deposits | 111.0929% | 935 |
| Total domestic deposits to total assets | 78.3716% | 4,429 |
| Equity capital to assets | 9.9270% | 3,741 |
| Core capital (leverage) ratio | 8.8334% | 4,787 |
| Tier 1 risk-based capital ratio | 10.9634% | 4,995 |
| Total risk-based capital ratio | 11.8672% | 5,031 |
| Memoranda: | ||
| Average total assets | $1,597,555,600 | 516 |
| Average earning assets | $1,468,191,400 | 513 |
| Average equity | $155,910,800 | 550 |
| Average total loans | $1,258,114,800 | 461 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 3,784 |
| Cost of funding earning assets | 0.3869% | 3,959 |
| Net interest margin | 3.6635% | 3,153 |
| Noninterest income to average assets | 0.8427% | 1,349 |
| Noninterest expense to average assets | 3.1306% | 1,689 |
| Loan and lease loss provision to assets | 0.1063% | 1,887 |
| Net operating income to assets | 0.7815% | 3,966 |
| Return on assets (ROA) | 0.7791% | 3,985 |
| Pretax return on assets | 0.9689% | 3,822 |
| Return on Equity (ROE) | 8.0192% | 3,541 |
| Retained earnings to average equity (ytd only) | 8.0192% | 1,641 |
| Net charge-offs to loans | 0.0417% | 2,251 |
| Credit loss provision to net charge-offs | 326.0309% | 963 |
| Earnings coverage of net charge-offs (x) | 33.0773% | 1,527 |
| Efficiency ratio | 74.1562% | 1,570 |
| Assets per employee ($millions) | 5.7932% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8297% | 4,524 |
| Loan loss allowance to noncurrent loans | 164.3180% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 3,035 |
| Noncurrent loans to loans | 0.5049% | 2,873 |
| Net loans and leases to total assets | 78.4586% | 1,268 |
| Net loans and leases to deposits | 100.2223% | 766 |
| Net loans and leases to core deposits | 108.7168% | 1,115 |
| Total domestic deposits to total assets | 78.2846% | 4,442 |
| Equity capital to assets | 9.4736% | 4,102 |
| Core capital (leverage) ratio | 8.8321% | 4,863 |
| Tier 1 risk-based capital ratio | 10.4318% | 5,263 |
| Total risk-based capital ratio | 11.2742% | 5,324 |
| Memoranda: | ||
| Average total assets | $1,587,169,250 | 512 |
| Average earning assets | $1,458,276,000 | 509 |
| Average equity | $154,210,250 | 549 |
| Average total loans | $1,240,712,250 | 463 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 3,692 |
| Cost of funding earning assets | 0.3393% | 4,136 |
| Net interest margin | 3.6894% | 2,971 |
| Noninterest income to average assets | 0.8296% | 1,388 |
| Noninterest expense to average assets | 3.1873% | 1,569 |
| Loan and lease loss provision to assets | 0.0980% | 1,977 |
| Net operating income to assets | 0.7915% | 3,883 |
| Return on assets (ROA) | 0.7877% | 3,895 |
| Pretax return on assets | 0.9262% | 3,885 |
| Return on Equity (ROE) | 8.0361% | 3,492 |
| Retained earnings to average equity (ytd only) | 8.0361% | 1,616 |
| Net charge-offs to loans | 0.0344% | 2,162 |
| Credit loss provision to net charge-offs | 366.0287% | 879 |
| Earnings coverage of net charge-offs (x) | 38.4402% | 1,330 |
| Efficiency ratio | 75.3698% | 1,513 |
| Assets per employee ($millions) | 5.5103% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8335% | 4,593 |
| Loan loss allowance to noncurrent loans | 330.1028% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2152% | 3,917 |
| Noncurrent loans to loans | 0.2525% | 3,796 |
| Net loans and leases to total assets | 78.8659% | 1,181 |
| Net loans and leases to deposits | 101.7849% | 679 |
| Net loans and leases to core deposits | 106.7493% | 1,192 |
| Total domestic deposits to total assets | 77.4829% | 4,666 |
| Equity capital to assets | 9.7021% | 3,915 |
| Core capital (leverage) ratio | 8.8403% | 4,850 |
| Tier 1 risk-based capital ratio | 10.8304% | 5,141 |
| Total risk-based capital ratio | 11.6982% | 5,193 |
| Memoranda: | ||
| Average total assets | $1,562,013,000 | 520 |
| Average earning assets | $1,433,745,330 | 517 |
| Average equity | $153,110,000 | 551 |
| Average total loans | $1,215,817,330 | 472 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9554% | 3,776 |
| Cost of funding earning assets | 0.2943% | 4,394 |
| Net interest margin | 3.6611% | 2,954 |
| Noninterest income to average assets | 0.8127% | 1,412 |
| Noninterest expense to average assets | 3.2474% | 1,460 |
| Loan and lease loss provision to assets | 0.1593% | 1,135 |
| Net operating income to assets | 0.6467% | 4,289 |
| Return on assets (ROA) | 0.6471% | 4,299 |
| Pretax return on assets | 0.7707% | 4,218 |
| Return on Equity (ROE) | 6.5674% | 3,957 |
| Retained earnings to average equity (ytd only) | 6.5674% | 2,469 |
| Net charge-offs to loans | 0.0256% | 1,990 |
| Credit loss provision to net charge-offs | 809.2105% | 407 |
| Earnings coverage of net charge-offs (x) | 47.2105% | 974 |
| Efficiency ratio | 77.5104% | 1,405 |
| Assets per employee ($millions) | 5.3443% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8635% | 4,586 |
| Loan loss allowance to noncurrent loans | 291.9128% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 3,862 |
| Noncurrent loans to loans | 0.2958% | 3,706 |
| Net loans and leases to total assets | 78.3424% | 1,188 |
| Net loans and leases to deposits | 96.3926% | 992 |
| Net loans and leases to core deposits | 111.0817% | 939 |
| Total domestic deposits to total assets | 81.2743% | 4,141 |
| Equity capital to assets | 9.8027% | 3,791 |
| Core capital (leverage) ratio | 8.9055% | 4,796 |
| Tier 1 risk-based capital ratio | 10.9439% | 5,161 |
| Total risk-based capital ratio | 11.8426% | 5,223 |
| Memoranda: | ||
| Average total assets | $1,544,024,500 | 533 |
| Average earning assets | $1,418,812,500 | 524 |
| Average equity | $152,145,500 | 558 |
| Average total loans | $1,188,294,500 | 482 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 3,980 |
| Cost of funding earning assets | 0.2646% | 4,440 |
| Net interest margin | 3.5561% | 3,317 |
| Noninterest income to average assets | 0.8442% | 1,427 |
| Noninterest expense to average assets | 3.3668% | 1,260 |
| Loan and lease loss provision to assets | 0.0994% | 2,236 |
| Net operating income to assets | 0.4673% | 4,467 |
| Return on assets (ROA) | 0.4801% | 4,464 |
| Pretax return on assets | 0.6523% | 4,624 |
| Return on Equity (ROE) | 4.7948% | 4,248 |
| Retained earnings to average equity (ytd only) | 4.7948% | 2,264 |
| Net charge-offs to loans | 0.0358% | 3,077 |
| Credit loss provision to net charge-offs | 394.6667% | 768 |
| Earnings coverage of net charge-offs (x) | 29.1547% | 1,576 |
| Efficiency ratio | 81.8451% | 939 |
| Assets per employee ($millions) | 5.1792% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 4,591 |
| Loan loss allowance to noncurrent loans | 271.3436% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2624% | 3,835 |
| Noncurrent loans to loans | 0.3211% | 3,623 |
| Net loans and leases to total assets | 74.2289% | 1,879 |
| Net loans and leases to deposits | 91.0614% | 1,642 |
| Net loans and leases to core deposits | 105.2939% | 1,317 |
| Total domestic deposits to total assets | 81.5152% | 3,993 |
| Equity capital to assets | 9.9053% | 3,813 |
| Core capital (leverage) ratio | 8.7516% | 4,903 |
| Tier 1 risk-based capital ratio | 11.3214% | 4,966 |
| Total risk-based capital ratio | 12.2210% | 5,043 |
| Memoranda: | ||
| Average total assets | $1,488,785,400 | 521 |
| Average earning assets | $1,363,571,400 | 515 |
| Average equity | $149,078,800 | 546 |
| Average total loans | $1,048,366,600 | 517 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7708% | 4,099 |
| Cost of funding earning assets | 0.2585% | 4,495 |
| Net interest margin | 3.5124% | 3,456 |
| Noninterest income to average assets | 0.8478% | 1,428 |
| Noninterest expense to average assets | 3.4614% | 1,052 |
| Loan and lease loss provision to assets | 0.0858% | 2,376 |
| Net operating income to assets | 0.4671% | 4,831 |
| Return on assets (ROA) | 0.4877% | 4,805 |
| Pretax return on assets | 0.5374% | 4,954 |
| Return on Equity (ROE) | 4.8572% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.8572% | 2,982 |
| Net charge-offs to loans | 0.0471% | 2,501 |
| Credit loss provision to net charge-offs | 263.1579% | 1,089 |
| Earnings coverage of net charge-offs (x) | 18.4211% | 2,048 |
| Efficiency ratio | 84.9622% | 689 |
| Assets per employee ($millions) | 5.0949% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 4,659 |
| Loan loss allowance to noncurrent loans | 244.6300% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 3,949 |
| Noncurrent loans to loans | 0.3588% | 3,666 |
| Net loans and leases to total assets | 71.0623% | 2,400 |
| Net loans and leases to deposits | 86.6039% | 2,226 |
| Net loans and leases to core deposits | 99.5624% | 1,742 |
| Total domestic deposits to total assets | 82.0544% | 3,762 |
| Equity capital to assets | 10.0363% | 3,872 |
| Core capital (leverage) ratio | 8.8684% | 4,905 |
| Tier 1 risk-based capital ratio | 11.9664% | 4,650 |
| Total risk-based capital ratio | 12.8736% | 4,759 |
| Memoranda: | ||
| Average total assets | $1,476,428,500 | 526 |
| Average earning assets | $1,351,072,000 | 523 |
| Average equity | $148,257,250 | 553 |
| Average total loans | $1,022,499,500 | 535 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7358% | 4,117 |
| Cost of funding earning assets | 0.2445% | 4,593 |
| Net interest margin | 3.4912% | 3,439 |
| Noninterest income to average assets | 0.8515% | 1,412 |
| Noninterest expense to average assets | 3.5270% | 971 |
| Loan and lease loss provision to assets | 0.0683% | 2,602 |
| Net operating income to assets | 0.4362% | 4,878 |
| Return on assets (ROA) | 0.4393% | 4,894 |
| Pretax return on assets | 0.4538% | 5,079 |
| Return on Equity (ROE) | 4.3739% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.3739% | 3,102 |
| Net charge-offs to loans | 0.0537% | 2,159 |
| Credit loss provision to net charge-offs | 185.8736% | 1,338 |
| Earnings coverage of net charge-offs (x) | 14.1227% | 2,093 |
| Efficiency ratio | 86.9176% | 613 |
| Assets per employee ($millions) | 5.0482% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 4,727 |
| Loan loss allowance to noncurrent loans | 297.0178% | 1,594 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 4,244 |
| Noncurrent loans to loans | 0.2953% | 3,985 |
| Net loans and leases to total assets | 68.3833% | 2,752 |
| Net loans and leases to deposits | 86.7731% | 2,137 |
| Net loans and leases to core deposits | 99.3851% | 1,693 |
| Total domestic deposits to total assets | 78.8070% | 4,662 |
| Equity capital to assets | 9.8705% | 4,062 |
| Core capital (leverage) ratio | 8.9590% | 4,767 |
| Tier 1 risk-based capital ratio | 11.9815% | 4,646 |
| Total risk-based capital ratio | 12.8721% | 4,765 |
| Memoranda: | ||
| Average total assets | $1,464,173,670 | 533 |
| Average earning assets | $1,339,694,000 | 525 |
| Average equity | $147,053,670 | 555 |
| Average total loans | $1,001,722,330 | 543 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7506% | 3,938 |
| Cost of funding earning assets | 0.2325% | 4,692 |
| Net interest margin | 3.5181% | 3,209 |
| Noninterest income to average assets | 0.8534% | 1,386 |
| Noninterest expense to average assets | 3.4590% | 1,101 |
| Loan and lease loss provision to assets | 0.0695% | 2,423 |
| Net operating income to assets | 0.5080% | 4,568 |
| Return on assets (ROA) | 0.5140% | 4,571 |
| Pretax return on assets | 0.5526% | 4,836 |
| Return on Equity (ROE) | 5.0714% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.0714% | 2,847 |
| Net charge-offs to loans | 0.0253% | 2,251 |
| Credit loss provision to net charge-offs | 403.2258% | 649 |
| Earnings coverage of net charge-offs (x) | 35.7258% | 1,115 |
| Efficiency ratio | 84.6306% | 914 |
| Assets per employee ($millions) | 4.7503% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9131% | 4,707 |
| Loan loss allowance to noncurrent loans | 342.7283% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 4,308 |
| Noncurrent loans to loans | 0.2664% | 4,158 |
| Net loans and leases to total assets | 68.3081% | 2,628 |
| Net loans and leases to deposits | 82.3112% | 2,464 |
| Net loans and leases to core deposits | 98.0220% | 1,656 |
| Total domestic deposits to total assets | 82.9876% | 3,848 |
| Equity capital to assets | 10.1422% | 3,584 |
| Core capital (leverage) ratio | 9.0213% | 4,706 |
| Tier 1 risk-based capital ratio | 12.3657% | 4,470 |
| Total risk-based capital ratio | 13.2922% | 4,580 |
| Memoranda: | ||
| Average total assets | $1,439,025,500 | 542 |
| Average earning assets | $1,317,645,500 | 543 |
| Average equity | $145,837,500 | 553 |
| Average total loans | $980,180,000 | 552 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7372% | 4,101 |
| Cost of funding earning assets | 0.2444% | 4,618 |
| Net interest margin | 3.4928% | 3,461 |
| Noninterest income to average assets | 0.8921% | 1,438 |
| Noninterest expense to average assets | 3.4727% | 1,216 |
| Loan and lease loss provision to assets | 0.0737% | 2,877 |
| Net operating income to assets | 0.4690% | 4,745 |
| Return on assets (ROA) | 0.4810% | 4,781 |
| Pretax return on assets | 0.5622% | 4,893 |
| Return on Equity (ROE) | 4.4845% | 4,666 |
| Retained earnings to average equity (ytd only) | 4.4845% | 2,721 |
| Net charge-offs to loans | 0.1982% | 1,399 |
| Credit loss provision to net charge-offs | 54.4070% | 3,328 |
| Earnings coverage of net charge-offs (x) | 4.5887% | 3,474 |
| Efficiency ratio | 84.6274% | 952 |
| Assets per employee ($millions) | 4.7800% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9289% | 4,657 |
| Loan loss allowance to noncurrent loans | 286.2821% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 4,240 |
| Noncurrent loans to loans | 0.3245% | 3,985 |
| Net loans and leases to total assets | 66.6544% | 2,979 |
| Net loans and leases to deposits | 81.6227% | 2,711 |
| Net loans and leases to core deposits | 94.3824% | 2,071 |
| Total domestic deposits to total assets | 81.6617% | 4,158 |
| Equity capital to assets | 10.1266% | 3,573 |
| Core capital (leverage) ratio | 8.9320% | 4,819 |
| Tier 1 risk-based capital ratio | 12.5959% | 4,324 |
| Total risk-based capital ratio | 13.5350% | 4,395 |
| Memoranda: | ||
| Average total assets | $1,355,937,000 | 544 |
| Average earning assets | $1,243,256,800 | 545 |
| Average equity | $145,435,600 | 541 |
| Average total loans | $927,301,400 | 550 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 4,127 |
| Cost of funding earning assets | 0.2455% | 4,642 |
| Net interest margin | 3.4895% | 3,509 |
| Noninterest income to average assets | 0.8906% | 1,439 |
| Noninterest expense to average assets | 3.5220% | 1,110 |
| Loan and lease loss provision to assets | 0.0748% | 2,724 |
| Net operating income to assets | 0.4315% | 4,928 |
| Return on assets (ROA) | 0.4434% | 4,975 |
| Pretax return on assets | 0.5091% | 5,101 |
| Return on Equity (ROE) | 4.0728% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.0728% | 3,404 |
| Net charge-offs to loans | 0.2512% | 933 |
| Credit loss provision to net charge-offs | 43.3276% | 3,122 |
| Earnings coverage of net charge-offs (x) | 3.3045% | 3,438 |
| Efficiency ratio | 85.9137% | 828 |
| Assets per employee ($millions) | 4.8263% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 4,809 |
| Loan loss allowance to noncurrent loans | 226.6374% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 4,208 |
| Noncurrent loans to loans | 0.4056% | 3,821 |
| Net loans and leases to total assets | 66.5312% | 3,036 |
| Net loans and leases to deposits | 79.3583% | 3,040 |
| Net loans and leases to core deposits | 91.2045% | 2,460 |
| Total domestic deposits to total assets | 83.8365% | 3,260 |
| Equity capital to assets | 10.4270% | 3,638 |
| Core capital (leverage) ratio | 8.8730% | 4,976 |
| Tier 1 risk-based capital ratio | 12.5466% | 4,444 |
| Total risk-based capital ratio | 13.4845% | 4,552 |
| Memoranda: | ||
| Average total assets | $1,337,618,000 | 553 |
| Average earning assets | $1,227,217,000 | 551 |
| Average equity | $145,611,750 | 547 |
| Average total loans | $918,735,250 | 551 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,229 |
| Cost of funding earning assets | 0.2435% | 4,723 |
| Net interest margin | 3.4754% | 3,587 |
| Noninterest income to average assets | 0.8600% | 1,510 |
| Noninterest expense to average assets | 3.6094% | 996 |
| Loan and lease loss provision to assets | 0.0764% | 2,608 |
| Net operating income to assets | 0.3423% | 5,199 |
| Return on assets (ROA) | 0.3424% | 5,284 |
| Pretax return on assets | 0.3649% | 5,398 |
| Return on Equity (ROE) | 3.0982% | 5,221 |
| Retained earnings to average equity (ytd only) | 3.0982% | 3,929 |
| Net charge-offs to loans | 0.3590% | 649 |
| Credit loss provision to net charge-offs | 30.7314% | 2,852 |
| Earnings coverage of net charge-offs (x) | 1.7744% | 3,365 |
| Efficiency ratio | 89.0151% | 655 |
| Assets per employee ($millions) | 4.7181% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 4,975 |
| Loan loss allowance to noncurrent loans | 231.9646% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.2977% | 4,311 |
| Noncurrent loans to loans | 0.3851% | 3,978 |
| Net loans and leases to total assets | 68.4386% | 2,718 |
| Net loans and leases to deposits | 82.6476% | 2,632 |
| Net loans and leases to core deposits | 94.9810% | 2,068 |
| Total domestic deposits to total assets | 82.8078% | 3,721 |
| Equity capital to assets | 10.4972% | 3,632 |
| Core capital (leverage) ratio | 8.9308% | 4,904 |
| Tier 1 risk-based capital ratio | 12.3261% | 4,631 |
| Total risk-based capital ratio | 13.2506% | 4,741 |
| Memoranda: | ||
| Average total assets | $1,308,904,000 | 564 |
| Average earning assets | $1,201,655,670 | 562 |
| Average equity | $144,663,670 | 551 |
| Average total loans | $906,302,330 | 555 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,119 |
| Cost of funding earning assets | 0.2446% | 4,756 |
| Net interest margin | 3.5116% | 3,424 |
| Noninterest income to average assets | 0.8163% | 1,570 |
| Noninterest expense to average assets | 3.3388% | 1,510 |
| Loan and lease loss provision to assets | 0.0792% | 2,378 |
| Net operating income to assets | 0.5180% | 4,549 |
| Return on assets (ROA) | 0.5182% | 4,656 |
| Pretax return on assets | 0.6361% | 4,713 |
| Return on Equity (ROE) | 4.5619% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.5619% | 3,203 |
| Net charge-offs to loans | 0.7706% | 265 |
| Credit loss provision to net charge-offs | 14.8192% | 2,331 |
| Earnings coverage of net charge-offs (x) | 1.3379% | 2,832 |
| Efficiency ratio | 82.3631% | 1,340 |
| Assets per employee ($millions) | 4.5316% | 3,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 4,854 |
| Loan loss allowance to noncurrent loans | 221.5900% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.3138% | 4,315 |
| Noncurrent loans to loans | 0.4282% | 3,911 |
| Net loans and leases to total assets | 68.8096% | 2,526 |
| Net loans and leases to deposits | 83.1498% | 2,412 |
| Net loans and leases to core deposits | 95.8569% | 1,817 |
| Total domestic deposits to total assets | 82.7537% | 3,983 |
| Equity capital to assets | 11.4774% | 2,460 |
| Core capital (leverage) ratio | 10.1524% | 3,366 |
| Tier 1 risk-based capital ratio | 14.2577% | 3,529 |
| Total risk-based capital ratio | 15.2463% | 3,629 |
| Memoranda: | ||
| Average total assets | $1,262,722,500 | 580 |
| Average earning assets | $1,164,152,500 | 572 |
| Average equity | $143,448,500 | 549 |
| Average total loans | $875,628,000 | 573 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,016 |
| Cost of funding earning assets | 0.2592% | 4,694 |
| Net interest margin | 3.5496% | 3,328 |
| Noninterest income to average assets | 0.9059% | 1,430 |
| Noninterest expense to average assets | 3.5854% | 1,156 |
| Loan and lease loss provision to assets | 0.1543% | 1,522 |
| Net operating income to assets | 0.3370% | 5,249 |
| Return on assets (ROA) | 0.5816% | 4,466 |
| Pretax return on assets | 0.7325% | 4,424 |
| Return on Equity (ROE) | 5.1004% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.1004% | 2,348 |
| Net charge-offs to loans | 0.1180% | 2,189 |
| Credit loss provision to net charge-offs | 187.1921% | 1,471 |
| Earnings coverage of net charge-offs (x) | 7.0030% | 3,134 |
| Efficiency ratio | 85.7681% | 1,010 |
| Assets per employee ($millions) | 4.6536% | 2,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 3,933 |
| Loan loss allowance to noncurrent loans | 186.5928% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.4395% | 3,855 |
| Noncurrent loans to loans | 0.5998% | 3,372 |
| Net loans and leases to total assets | 68.4451% | 2,638 |
| Net loans and leases to deposits | 84.6000% | 2,294 |
| Net loans and leases to core deposits | 95.2830% | 1,912 |
| Total domestic deposits to total assets | 80.9044% | 4,509 |
| Equity capital to assets | 11.2428% | 2,599 |
| Core capital (leverage) ratio | 10.1284% | 3,354 |
| Tier 1 risk-based capital ratio | 14.5545% | 3,412 |
| Total risk-based capital ratio | 15.7451% | 3,360 |
| Memoranda: | ||
| Average total assets | $1,231,577,000 | 571 |
| Average earning assets | $1,129,934,800 | 569 |
| Average equity | $140,438,800 | 538 |
| Average total loans | $860,061,600 | 551 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 4,037 |
| Cost of funding earning assets | 0.2625% | 4,752 |
| Net interest margin | 3.5535% | 3,326 |
| Noninterest income to average assets | 0.9105% | 1,423 |
| Noninterest expense to average assets | 3.4201% | 1,436 |
| Loan and lease loss provision to assets | 0.1253% | 1,808 |
| Net operating income to assets | 0.5055% | 4,766 |
| Return on assets (ROA) | 0.5238% | 4,792 |
| Pretax return on assets | 0.6445% | 4,847 |
| Return on Equity (ROE) | 4.5766% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.5766% | 3,220 |
| Net charge-offs to loans | 0.1231% | 1,896 |
| Credit loss provision to net charge-offs | 145.3856% | 1,726 |
| Earnings coverage of net charge-offs (x) | 8.6738% | 2,780 |
| Efficiency ratio | 81.5801% | 1,450 |
| Assets per employee ($millions) | 4.6670% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 4,461 |
| Loan loss allowance to noncurrent loans | 179.2515% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.4553% | 3,975 |
| Noncurrent loans to loans | 0.5865% | 3,570 |
| Net loans and leases to total assets | 70.0888% | 2,369 |
| Net loans and leases to deposits | 86.1689% | 2,121 |
| Net loans and leases to core deposits | 97.6550% | 1,729 |
| Total domestic deposits to total assets | 81.3388% | 4,379 |
| Equity capital to assets | 11.4469% | 2,544 |
| Core capital (leverage) ratio | 10.0149% | 3,606 |
| Tier 1 risk-based capital ratio | 13.8489% | 3,939 |
| Total risk-based capital ratio | 15.0753% | 3,895 |
| Memoranda: | ||
| Average total assets | $1,224,187,250 | 578 |
| Average earning assets | $1,121,997,500 | 577 |
| Average equity | $140,101,750 | 540 |
| Average total loans | $856,838,000 | 551 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8036% | 4,053 |
| Cost of funding earning assets | 0.2629% | 4,801 |
| Net interest margin | 3.5407% | 3,334 |
| Noninterest income to average assets | 0.8964% | 1,454 |
| Noninterest expense to average assets | 3.4661% | 1,354 |
| Loan and lease loss provision to assets | 0.1477% | 1,451 |
| Net operating income to assets | 0.4384% | 5,012 |
| Return on assets (ROA) | 0.4591% | 5,039 |
| Pretax return on assets | 0.5527% | 5,098 |
| Return on Equity (ROE) | 4.0119% | 5,014 |
| Retained earnings to average equity (ytd only) | 4.0119% | 3,464 |
| Net charge-offs to loans | 0.1199% | 1,812 |
| Credit loss provision to net charge-offs | 176.8173% | 1,361 |
| Earnings coverage of net charge-offs (x) | 8.0845% | 2,597 |
| Efficiency ratio | 83.0011% | 1,370 |
| Assets per employee ($millions) | 4.7527% | 2,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 4,447 |
| Loan loss allowance to noncurrent loans | 135.8723% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 3,734 |
| Noncurrent loans to loans | 0.7934% | 3,127 |
| Net loans and leases to total assets | 68.6172% | 2,552 |
| Net loans and leases to deposits | 85.3804% | 2,122 |
| Net loans and leases to core deposits | 96.3715% | 1,769 |
| Total domestic deposits to total assets | 80.3665% | 4,783 |
| Equity capital to assets | 11.2938% | 2,575 |
| Core capital (leverage) ratio | 10.0477% | 3,532 |
| Tier 1 risk-based capital ratio | 13.9878% | 3,935 |
| Total risk-based capital ratio | 15.3146% | 3,828 |
| Memoranda: | ||
| Average total assets | $1,218,445,330 | 580 |
| Average earning assets | $1,116,738,330 | 577 |
| Average equity | $139,434,670 | 545 |
| Average total loans | $849,339,000 | 555 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 3,910 |
| Cost of funding earning assets | 0.2647% | 4,854 |
| Net interest margin | 3.5591% | 3,184 |
| Noninterest income to average assets | 0.8663% | 1,512 |
| Noninterest expense to average assets | 3.5473% | 1,216 |
| Loan and lease loss provision to assets | 0.0745% | 2,454 |
| Net operating income to assets | 0.4340% | 4,932 |
| Return on assets (ROA) | 0.4701% | 4,918 |
| Pretax return on assets | 0.5516% | 5,044 |
| Return on Equity (ROE) | 4.0804% | 4,951 |
| Retained earnings to average equity (ytd only) | 4.0804% | 3,558 |
| Net charge-offs to loans | 0.1953% | 1,153 |
| Credit loss provision to net charge-offs | 54.6117% | 2,060 |
| Earnings coverage of net charge-offs (x) | 4.2767% | 2,515 |
| Efficiency ratio | 85.1724% | 1,254 |
| Assets per employee ($millions) | 4.6911% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 4,873 |
| Loan loss allowance to noncurrent loans | 180.1201% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.4092% | 4,393 |
| Noncurrent loans to loans | 0.5711% | 3,872 |
| Net loans and leases to total assets | 69.4122% | 2,219 |
| Net loans and leases to deposits | 85.3840% | 1,907 |
| Net loans and leases to core deposits | 95.7530% | 1,633 |
| Total domestic deposits to total assets | 81.2942% | 4,738 |
| Equity capital to assets | 11.6120% | 2,366 |
| Core capital (leverage) ratio | 9.9963% | 3,604 |
| Tier 1 risk-based capital ratio | 14.1243% | 3,933 |
| Total risk-based capital ratio | 15.4201% | 3,828 |
| Memoranda: | ||
| Average total assets | $1,207,440,500 | 580 |
| Average earning assets | $1,107,574,000 | 578 |
| Average equity | $139,104,500 | 546 |
| Average total loans | $843,787,500 | 551 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8407% | 4,348 |
| Cost of funding earning assets | 0.2989% | 4,809 |
| Net interest margin | 3.5417% | 3,632 |
| Noninterest income to average assets | 0.8921% | 1,527 |
| Noninterest expense to average assets | 3.4703% | 1,550 |
| Loan and lease loss provision to assets | 0.0872% | 2,725 |
| Net operating income to assets | 0.4718% | 4,915 |
| Return on assets (ROA) | 0.5493% | 4,690 |
| Pretax return on assets | 0.6603% | 4,755 |
| Return on Equity (ROE) | 4.9406% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.9406% | 2,644 |
| Net charge-offs to loans | 0.1196% | 2,846 |
| Credit loss provision to net charge-offs | 105.9536% | 2,261 |
| Earnings coverage of net charge-offs (x) | 7.9455% | 2,950 |
| Efficiency ratio | 83.4364% | 1,476 |
| Assets per employee ($millions) | 4.5122% | 3,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 4,788 |
| Loan loss allowance to noncurrent loans | 118.7517% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 3,680 |
| Noncurrent loans to loans | 0.8886% | 3,094 |
| Net loans and leases to total assets | 68.8970% | 2,414 |
| Net loans and leases to deposits | 85.4305% | 2,048 |
| Net loans and leases to core deposits | 96.1458% | 1,703 |
| Total domestic deposits to total assets | 80.6469% | 4,844 |
| Equity capital to assets | 11.4295% | 2,492 |
| Core capital (leverage) ratio | 9.7831% | 3,853 |
| Tier 1 risk-based capital ratio | 14.1833% | 3,977 |
| Total risk-based capital ratio | 15.5241% | 3,841 |
| Memoranda: | ||
| Average total assets | $1,203,688,200 | 559 |
| Average earning assets | $1,098,527,000 | 560 |
| Average equity | $133,829,200 | 538 |
| Average total loans | $828,807,800 | 537 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8310% | 4,432 |
| Cost of funding earning assets | 0.3079% | 4,809 |
| Net interest margin | 3.5230% | 3,743 |
| Noninterest income to average assets | 0.9157% | 1,468 |
| Noninterest expense to average assets | 3.4688% | 1,533 |
| Loan and lease loss provision to assets | 0.0915% | 2,526 |
| Net operating income to assets | 0.4847% | 4,928 |
| Return on assets (ROA) | 0.5230% | 4,855 |
| Pretax return on assets | 0.6111% | 4,995 |
| Return on Equity (ROE) | 4.7372% | 4,843 |
| Retained earnings to average equity (ytd only) | 4.7372% | 3,253 |
| Net charge-offs to loans | 0.1471% | 2,319 |
| Credit loss provision to net charge-offs | 90.5598% | 2,419 |
| Earnings coverage of net charge-offs (x) | 6.5148% | 3,072 |
| Efficiency ratio | 83.3481% | 1,465 |
| Assets per employee ($millions) | 4.6175% | 2,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 5,085 |
| Loan loss allowance to noncurrent loans | 142.5077% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 4,288 |
| Noncurrent loans to loans | 0.7219% | 3,803 |
| Net loans and leases to total assets | 68.9761% | 2,371 |
| Net loans and leases to deposits | 86.7634% | 1,822 |
| Net loans and leases to core deposits | 93.9384% | 1,869 |
| Total domestic deposits to total assets | 79.4991% | 5,221 |
| Equity capital to assets | 11.1349% | 2,834 |
| Core capital (leverage) ratio | 9.7508% | 3,995 |
| Tier 1 risk-based capital ratio | 13.9315% | 4,267 |
| Total risk-based capital ratio | 15.2558% | 4,150 |
| Memoranda: | ||
| Average total assets | $1,202,295,750 | 556 |
| Average earning assets | $1,095,918,750 | 556 |
| Average equity | $132,733,500 | 545 |
| Average total loans | $825,502,750 | 536 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 4,394 |
| Cost of funding earning assets | 0.3172% | 4,793 |
| Net interest margin | 3.5173% | 3,711 |
| Noninterest income to average assets | 0.8976% | 1,501 |
| Noninterest expense to average assets | 3.5126% | 1,453 |
| Loan and lease loss provision to assets | 0.1003% | 2,349 |
| Net operating income to assets | 0.4265% | 5,106 |
| Return on assets (ROA) | 0.4855% | 4,937 |
| Pretax return on assets | 0.5518% | 5,129 |
| Return on Equity (ROE) | 4.4104% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.4104% | 3,371 |
| Net charge-offs to loans | 0.2270% | 1,679 |
| Credit loss provision to net charge-offs | 64.6552% | 2,561 |
| Earnings coverage of net charge-offs (x) | 3.7726% | 3,222 |
| Efficiency ratio | 85.0116% | 1,380 |
| Assets per employee ($millions) | 4.5686% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,236 |
| Loan loss allowance to noncurrent loans | 141.7751% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 4,508 |
| Noncurrent loans to loans | 0.7235% | 3,891 |
| Net loans and leases to total assets | 67.2254% | 2,544 |
| Net loans and leases to deposits | 84.7103% | 1,963 |
| Net loans and leases to core deposits | 94.4746% | 1,739 |
| Total domestic deposits to total assets | 79.3591% | 5,371 |
| Equity capital to assets | 11.0209% | 2,853 |
| Core capital (leverage) ratio | 9.7412% | 3,978 |
| Tier 1 risk-based capital ratio | 13.9770% | 4,271 |
| Total risk-based capital ratio | 15.3041% | 4,151 |
| Memoranda: | ||
| Average total assets | $1,196,724,330 | 561 |
| Average earning assets | $1,088,790,330 | 555 |
| Average equity | $131,732,670 | 549 |
| Average total loans | $817,481,670 | 534 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8327% | 4,346 |
| Cost of funding earning assets | 0.3288% | 4,750 |
| Net interest margin | 3.5039% | 3,672 |
| Noninterest income to average assets | 0.8505% | 1,561 |
| Noninterest expense to average assets | 3.4698% | 1,551 |
| Loan and lease loss provision to assets | 0.1013% | 2,232 |
| Net operating income to assets | 0.4361% | 4,993 |
| Return on assets (ROA) | 0.4361% | 5,050 |
| Pretax return on assets | 0.4735% | 5,251 |
| Return on Equity (ROE) | 3.9637% | 5,056 |
| Retained earnings to average equity (ytd only) | 3.9637% | 3,737 |
| Net charge-offs to loans | 0.1897% | 1,593 |
| Credit loss provision to net charge-offs | 77.9221% | 1,922 |
| Earnings coverage of net charge-offs (x) | 4.4234% | 2,532 |
| Efficiency ratio | 85.0634% | 1,537 |
| Assets per employee ($millions) | 4.4378% | 3,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 5,267 |
| Loan loss allowance to noncurrent loans | 153.4855% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.5003% | 4,648 |
| Noncurrent loans to loans | 0.6941% | 4,135 |
| Net loans and leases to total assets | 68.7674% | 2,097 |
| Net loans and leases to deposits | 84.5915% | 1,766 |
| Net loans and leases to core deposits | 94.1251% | 1,543 |
| Total domestic deposits to total assets | 81.2935% | 5,152 |
| Equity capital to assets | 11.1486% | 2,575 |
| Core capital (leverage) ratio | 9.6289% | 4,094 |
| Tier 1 risk-based capital ratio | 13.7173% | 4,527 |
| Total risk-based capital ratio | 15.0616% | 4,412 |
| Memoranda: | ||
| Average total assets | $1,185,185,000 | 571 |
| Average earning assets | $1,080,401,000 | 567 |
| Average equity | $130,382,500 | 556 |
| Average total loans | $811,965,000 | 533 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 4,322 |
| Cost of funding earning assets | 0.3797% | 4,838 |
| Net interest margin | 3.5599% | 3,637 |
| Noninterest income to average assets | 0.9677% | 1,470 |
| Noninterest expense to average assets | 3.4814% | 1,699 |
| Loan and lease loss provision to assets | 0.1998% | 1,863 |
| Net operating income to assets | 0.4499% | 4,954 |
| Return on assets (ROA) | 0.5229% | 4,755 |
| Pretax return on assets | 0.5974% | 4,884 |
| Return on Equity (ROE) | 4.7380% | 4,755 |
| Retained earnings to average equity (ytd only) | 4.7380% | 2,786 |
| Net charge-offs to loans | 0.2340% | 2,579 |
| Credit loss provision to net charge-offs | 125.9584% | 1,884 |
| Earnings coverage of net charge-offs (x) | 4.5027% | 3,549 |
| Efficiency ratio | 82.2550% | 1,846 |
| Assets per employee ($millions) | 4.4734% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0985% | 5,157 |
| Loan loss allowance to noncurrent loans | 160.3561% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 4,791 |
| Noncurrent loans to loans | 0.6851% | 4,261 |
| Net loans and leases to total assets | 66.7775% | 2,557 |
| Net loans and leases to deposits | 83.6056% | 1,981 |
| Net loans and leases to core deposits | 92.5009% | 1,731 |
| Total domestic deposits to total assets | 79.8720% | 5,473 |
| Equity capital to assets | 10.8546% | 2,755 |
| Core capital (leverage) ratio | 9.4553% | 4,328 |
| Tier 1 risk-based capital ratio | 13.7134% | 4,512 |
| Total risk-based capital ratio | 15.0811% | 4,363 |
| Memoranda: | ||
| Average total assets | $1,151,246,800 | 570 |
| Average earning assets | $1,043,839,800 | 566 |
| Average equity | $127,057,000 | 560 |
| Average total loans | $780,391,400 | 539 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 4,300 |
| Cost of funding earning assets | 0.3849% | 4,951 |
| Net interest margin | 3.5700% | 3,578 |
| Noninterest income to average assets | 0.9594% | 1,581 |
| Noninterest expense to average assets | 3.4976% | 1,619 |
| Loan and lease loss provision to assets | 0.2336% | 1,549 |
| Net operating income to assets | 0.4160% | 5,179 |
| Return on assets (ROA) | 0.4912% | 4,993 |
| Pretax return on assets | 0.5446% | 5,218 |
| Return on Equity (ROE) | 4.4320% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.4320% | 3,519 |
| Net charge-offs to loans | 0.2692% | 2,205 |
| Credit loss provision to net charge-offs | 127.8772% | 1,845 |
| Earnings coverage of net charge-offs (x) | 3.8024% | 3,608 |
| Efficiency ratio | 82.7018% | 1,735 |
| Assets per employee ($millions) | 4.4497% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0829% | 5,394 |
| Loan loss allowance to noncurrent loans | 159.8872% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6658% | 4,445 |
| Noncurrent loans to loans | 0.6773% | 4,506 |
| Net loans and leases to total assets | 68.6022% | 2,217 |
| Net loans and leases to deposits | 86.6497% | 1,536 |
| Net loans and leases to core deposits | 92.8888% | 1,690 |
| Total domestic deposits to total assets | 79.1718% | 5,709 |
| Equity capital to assets | 10.8866% | 2,876 |
| Core capital (leverage) ratio | 9.5060% | 4,398 |
| Tier 1 risk-based capital ratio | 13.2700% | 4,923 |
| Total risk-based capital ratio | 14.5509% | 4,841 |
| Memoranda: | ||
| Average total assets | $1,141,578,000 | 579 |
| Average earning assets | $1,033,774,500 | 576 |
| Average equity | $126,531,000 | 569 |
| Average total loans | $774,632,750 | 537 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9662% | 4,240 |
| Cost of funding earning assets | 0.4017% | 4,925 |
| Net interest margin | 3.5645% | 3,503 |
| Noninterest income to average assets | 0.9765% | 1,590 |
| Noninterest expense to average assets | 3.5851% | 1,439 |
| Loan and lease loss provision to assets | 0.3003% | 1,202 |
| Net operating income to assets | 0.3146% | 5,547 |
| Return on assets (ROA) | 0.4060% | 5,360 |
| Pretax return on assets | 0.4154% | 5,606 |
| Return on Equity (ROE) | 3.6407% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.6407% | 3,993 |
| Net charge-offs to loans | 0.3941% | 1,637 |
| Credit loss provision to net charge-offs | 113.1824% | 1,953 |
| Earnings coverage of net charge-offs (x) | 2.3455% | 3,735 |
| Efficiency ratio | 84.4762% | 1,581 |
| Assets per employee ($millions) | 4.3331% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 5,432 |
| Loan loss allowance to noncurrent loans | 154.8072% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7890% | 4,247 |
| Noncurrent loans to loans | 0.7124% | 4,505 |
| Net loans and leases to total assets | 66.7735% | 2,453 |
| Net loans and leases to deposits | 86.6118% | 1,499 |
| Net loans and leases to core deposits | 91.7079% | 1,740 |
| Total domestic deposits to total assets | 77.0952% | 6,114 |
| Equity capital to assets | 10.9083% | 2,838 |
| Core capital (leverage) ratio | 9.6236% | 4,041 |
| Tier 1 risk-based capital ratio | 13.5564% | 4,736 |
| Total risk-based capital ratio | 14.8339% | 4,679 |
| Memoranda: | ||
| Average total assets | $1,132,015,670 | 583 |
| Average earning assets | $1,026,122,000 | 584 |
| Average equity | $126,240,670 | 575 |
| Average total loans | $762,305,000 | 547 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0171% | 4,048 |
| Cost of funding earning assets | 0.4183% | 4,922 |
| Net interest margin | 3.5987% | 3,272 |
| Noninterest income to average assets | 0.9795% | 1,523 |
| Noninterest expense to average assets | 3.5875% | 1,443 |
| Loan and lease loss provision to assets | 0.1602% | 2,275 |
| Net operating income to assets | 0.4234% | 5,037 |
| Return on assets (ROA) | 0.5563% | 4,583 |
| Pretax return on assets | 0.6499% | 4,778 |
| Return on Equity (ROE) | 4.9332% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.9332% | 3,274 |
| Net charge-offs to loans | 0.0905% | 2,938 |
| Credit loss provision to net charge-offs | 263.1579% | 885 |
| Earnings coverage of net charge-offs (x) | 10.7719% | 1,712 |
| Efficiency ratio | 83.8198% | 1,790 |
| Assets per employee ($millions) | 4.2407% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,462 |
| Loan loss allowance to noncurrent loans | 129.3809% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 4,091 |
| Noncurrent loans to loans | 0.8778% | 4,379 |
| Net loans and leases to total assets | 67.1124% | 2,168 |
| Net loans and leases to deposits | 84.6079% | 1,518 |
| Net loans and leases to core deposits | 89.3411% | 1,772 |
| Total domestic deposits to total assets | 79.3217% | 5,906 |
| Equity capital to assets | 11.3736% | 2,556 |
| Core capital (leverage) ratio | 9.5707% | 3,973 |
| Tier 1 risk-based capital ratio | 13.5965% | 4,804 |
| Total risk-based capital ratio | 14.8968% | 4,725 |
| Memoranda: | ||
| Average total assets | $1,123,887,000 | 597 |
| Average earning assets | $1,019,255,000 | 596 |
| Average equity | $126,732,500 | 576 |
| Average total loans | $755,811,500 | 553 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2676% | 4,330 |
| Cost of funding earning assets | 0.5824% | 4,513 |
| Net interest margin | 3.6852% | 3,712 |
| Noninterest income to average assets | 1.0779% | 1,340 |
| Noninterest expense to average assets | 3.6949% | 1,426 |
| Loan and lease loss provision to assets | 0.1078% | 4,286 |
| Net operating income to assets | 0.5190% | 4,606 |
| Return on assets (ROA) | 0.6091% | 4,457 |
| Pretax return on assets | 0.7267% | 4,568 |
| Return on Equity (ROE) | 5.5330% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.5330% | 2,360 |
| Net charge-offs to loans | 0.4315% | 2,509 |
| Credit loss provision to net charge-offs | 37.5469% | 4,978 |
| Earnings coverage of net charge-offs (x) | 2.5322% | 4,151 |
| Efficiency ratio | 82.8446% | 1,767 |
| Assets per employee ($millions) | 4.2898% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1112% | 5,505 |
| Loan loss allowance to noncurrent loans | 137.1879% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 4,349 |
| Noncurrent loans to loans | 0.8100% | 4,565 |
| Net loans and leases to total assets | 65.8808% | 2,543 |
| Net loans and leases to deposits | 85.4492% | 1,587 |
| Net loans and leases to core deposits | 89.6241% | 1,878 |
| Total domestic deposits to total assets | 77.0994% | 6,213 |
| Equity capital to assets | 11.1797% | 2,757 |
| Core capital (leverage) ratio | 9.4959% | 4,108 |
| Tier 1 risk-based capital ratio | 13.4603% | 4,780 |
| Total risk-based capital ratio | 14.6764% | 4,759 |
| Memoranda: | ||
| Average total assets | $1,112,778,600 | 594 |
| Average earning assets | $1,009,827,000 | 583 |
| Average equity | $122,501,200 | 586 |
| Average total loans | $740,678,200 | 552 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 4,432 |
| Cost of funding earning assets | 0.6199% | 4,451 |
| Net interest margin | 3.6855% | 3,861 |
| Noninterest income to average assets | 1.0571% | 1,349 |
| Noninterest expense to average assets | 3.7223% | 1,333 |
| Loan and lease loss provision to assets | 0.1082% | 4,218 |
| Net operating income to assets | 0.4883% | 4,886 |
| Return on assets (ROA) | 0.5504% | 4,878 |
| Pretax return on assets | 0.6455% | 5,026 |
| Return on Equity (ROE) | 5.0199% | 4,807 |
| Retained earnings to average equity (ytd only) | 5.0199% | 3,349 |
| Net charge-offs to loans | 0.4242% | 2,393 |
| Credit loss provision to net charge-offs | 38.3305% | 4,647 |
| Earnings coverage of net charge-offs (x) | 2.4110% | 4,076 |
| Efficiency ratio | 83.8258% | 1,612 |
| Assets per employee ($millions) | 4.2061% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 5,449 |
| Loan loss allowance to noncurrent loans | 157.6616% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8198% | 4,653 |
| Noncurrent loans to loans | 0.7397% | 4,940 |
| Net loans and leases to total assets | 67.6696% | 2,343 |
| Net loans and leases to deposits | 86.0892% | 1,589 |
| Net loans and leases to core deposits | 90.6502% | 1,907 |
| Total domestic deposits to total assets | 78.6040% | 5,951 |
| Equity capital to assets | 11.2034% | 3,032 |
| Core capital (leverage) ratio | 9.2261% | 4,712 |
| Tier 1 risk-based capital ratio | 12.9156% | 5,321 |
| Total risk-based capital ratio | 14.1852% | 5,271 |
| Memoranda: | ||
| Average total assets | $1,108,917,250 | 598 |
| Average earning assets | $1,006,733,500 | 593 |
| Average equity | $121,593,500 | 590 |
| Average total loans | $737,939,000 | 557 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3190% | 4,491 |
| Cost of funding earning assets | 0.6611% | 4,352 |
| Net interest margin | 3.6579% | 3,997 |
| Noninterest income to average assets | 1.0316% | 1,375 |
| Noninterest expense to average assets | 3.8104% | 1,200 |
| Loan and lease loss provision to assets | 0.1084% | 4,164 |
| Net operating income to assets | 0.3919% | 5,238 |
| Return on assets (ROA) | 0.4865% | 5,131 |
| Pretax return on assets | 0.5387% | 5,342 |
| Return on Equity (ROE) | 4.4697% | 5,052 |
| Retained earnings to average equity (ytd only) | 4.4697% | 3,628 |
| Net charge-offs to loans | 0.5458% | 1,952 |
| Credit loss provision to net charge-offs | 30.1356% | 4,442 |
| Earnings coverage of net charge-offs (x) | 1.5068% | 4,238 |
| Efficiency ratio | 86.8250% | 1,358 |
| Assets per employee ($millions) | 4.1232% | 3,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 5,434 |
| Loan loss allowance to noncurrent loans | 93.3994% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8647% | 4,646 |
| Noncurrent loans to loans | 1.2652% | 4,021 |
| Net loans and leases to total assets | 66.7850% | 2,505 |
| Net loans and leases to deposits | 85.0887% | 1,711 |
| Net loans and leases to core deposits | 88.9967% | 2,101 |
| Total domestic deposits to total assets | 78.4887% | 6,059 |
| Equity capital to assets | 10.8757% | 3,259 |
| Core capital (leverage) ratio | 9.1855% | 4,633 |
| Tier 1 risk-based capital ratio | 12.8062% | 5,333 |
| Total risk-based capital ratio | 14.0760% | 5,288 |
| Memoranda: | ||
| Average total assets | $1,107,013,670 | 598 |
| Average earning assets | $1,004,996,330 | 590 |
| Average equity | $120,499,330 | 593 |
| Average total loans | $729,530,670 | 562 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 4,435 |
| Cost of funding earning assets | 0.7050% | 4,238 |
| Net interest margin | 3.6691% | 3,966 |
| Noninterest income to average assets | 1.0166% | 1,384 |
| Noninterest expense to average assets | 3.8652% | 1,110 |
| Loan and lease loss provision to assets | 0.1091% | 3,989 |
| Net operating income to assets | 0.3681% | 5,393 |
| Return on assets (ROA) | 0.3681% | 5,572 |
| Pretax return on assets | 0.3699% | 5,811 |
| Return on Equity (ROE) | 3.3800% | 5,557 |
| Retained earnings to average equity (ytd only) | 3.3800% | 4,539 |
| Net charge-offs to loans | 0.1364% | 3,285 |
| Credit loss provision to net charge-offs | 122.9508% | 1,944 |
| Earnings coverage of net charge-offs (x) | 5.3975% | 2,383 |
| Efficiency ratio | 88.2451% | 1,257 |
| Assets per employee ($millions) | 3.9716% | 4,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 4,359 |
| Loan loss allowance to noncurrent loans | 95.2835% | 3,185 |
| Noncurrent assets plus other real estate owned to assets | 1.0226% | 4,448 |
| Noncurrent loans to loans | 1.5247% | 3,831 |
| Net loans and leases to total assets | 64.6179% | 2,738 |
| Net loans and leases to deposits | 80.5397% | 2,140 |
| Net loans and leases to core deposits | 84.7805% | 2,438 |
| Total domestic deposits to total assets | 80.2310% | 5,794 |
| Equity capital to assets | 11.0384% | 2,859 |
| Core capital (leverage) ratio | 9.0954% | 4,690 |
| Tier 1 risk-based capital ratio | 13.2036% | 5,066 |
| Total risk-based capital ratio | 14.5357% | 4,985 |
| Memoranda: | ||
| Average total assets | $1,099,759,500 | 602 |
| Average earning assets | $997,406,000 | 594 |
| Average equity | $119,762,500 | 597 |
| Average total loans | $715,313,000 | 572 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 4,531 |
| Cost of funding earning assets | 0.8355% | 4,583 |
| Net interest margin | 3.7988% | 3,821 |
| Noninterest income to average assets | 0.9611% | 1,470 |
| Noninterest expense to average assets | 3.4905% | 2,008 |
| Loan and lease loss provision to assets | 0.1394% | 4,879 |
| Net operating income to assets | 0.6143% | 3,921 |
| Return on assets (ROA) | 0.6190% | 4,090 |
| Pretax return on assets | 0.7958% | 3,995 |
| Return on Equity (ROE) | 5.8487% | 3,946 |
| Retained earnings to average equity (ytd only) | 5.8487% | 2,107 |
| Net charge-offs to loans | 0.1993% | 4,545 |
| Credit loss provision to net charge-offs | 105.7082% | 3,233 |
| Earnings coverage of net charge-offs (x) | 7.0465% | 2,408 |
| Efficiency ratio | 78.2408% | 2,560 |
| Assets per employee ($millions) | 4.0861% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 4,246 |
| Loan loss allowance to noncurrent loans | 84.9659% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.1224% | 4,360 |
| Noncurrent loans to loans | 1.7046% | 3,605 |
| Net loans and leases to total assets | 63.5876% | 3,268 |
| Net loans and leases to deposits | 80.3704% | 2,453 |
| Net loans and leases to core deposits | 84.8392% | 2,766 |
| Total domestic deposits to total assets | 79.1182% | 5,967 |
| Equity capital to assets | 10.7433% | 3,259 |
| Core capital (leverage) ratio | 9.0071% | 4,774 |
| Tier 1 risk-based capital ratio | 13.1849% | 4,925 |
| Total risk-based capital ratio | 14.4712% | 4,877 |
| Memoranda: | ||
| Average total assets | $1,076,008,200 | 607 |
| Average earning assets | $979,667,400 | 602 |
| Average equity | $113,870,600 | 608 |
| Average total loans | $712,081,800 | 580 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 4,476 |
| Cost of funding earning assets | 0.8582% | 4,715 |
| Net interest margin | 3.8398% | 3,668 |
| Noninterest income to average assets | 0.9690% | 1,421 |
| Noninterest expense to average assets | 3.5169% | 1,899 |
| Loan and lease loss provision to assets | 0.1248% | 4,867 |
| Net operating income to assets | 0.6298% | 3,966 |
| Return on assets (ROA) | 0.6275% | 4,159 |
| Pretax return on assets | 0.8229% | 4,045 |
| Return on Equity (ROE) | 5.9526% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.9526% | 2,583 |
| Net charge-offs to loans | 0.1662% | 4,459 |
| Credit loss provision to net charge-offs | 112.7396% | 2,897 |
| Earnings coverage of net charge-offs (x) | 8.5885% | 2,154 |
| Efficiency ratio | 77.9851% | 2,548 |
| Assets per employee ($millions) | 4.0639% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 4,406 |
| Loan loss allowance to noncurrent loans | 206.8966% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.5055% | 5,822 |
| Noncurrent loans to loans | 0.6926% | 5,502 |
| Net loans and leases to total assets | 66.2969% | 2,828 |
| Net loans and leases to deposits | 82.3858% | 2,284 |
| Net loans and leases to core deposits | 86.3543% | 2,730 |
| Total domestic deposits to total assets | 80.4712% | 5,603 |
| Equity capital to assets | 10.8474% | 3,293 |
| Core capital (leverage) ratio | 8.8764% | 5,147 |
| Tier 1 risk-based capital ratio | 13.0213% | 5,082 |
| Total risk-based capital ratio | 14.2748% | 5,049 |
| Memoranda: | ||
| Average total assets | $1,068,178,500 | 622 |
| Average earning assets | $973,320,500 | 614 |
| Average equity | $112,597,250 | 619 |
| Average total loans | $711,484,500 | 586 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7085% | 4,500 |
| Cost of funding earning assets | 0.8700% | 4,903 |
| Net interest margin | 3.8385% | 3,593 |
| Noninterest income to average assets | 0.9502% | 1,466 |
| Noninterest expense to average assets | 3.5850% | 1,773 |
| Loan and lease loss provision to assets | 0.1596% | 4,325 |
| Net operating income to assets | 0.5665% | 4,231 |
| Return on assets (ROA) | 0.5627% | 4,378 |
| Pretax return on assets | 0.6958% | 4,399 |
| Return on Equity (ROE) | 5.3908% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.3908% | 2,744 |
| Net charge-offs to loans | 0.1875% | 4,033 |
| Credit loss provision to net charge-offs | 128.2051% | 2,383 |
| Earnings coverage of net charge-offs (x) | 6.9095% | 2,314 |
| Efficiency ratio | 79.9164% | 2,399 |
| Assets per employee ($millions) | 4.1331% | 3,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 4,372 |
| Loan loss allowance to noncurrent loans | 245.8030% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4350% | 6,057 |
| Noncurrent loans to loans | 0.5877% | 5,754 |
| Net loans and leases to total assets | 65.8615% | 3,056 |
| Net loans and leases to deposits | 82.1358% | 2,432 |
| Net loans and leases to core deposits | 86.7373% | 2,791 |
| Total domestic deposits to total assets | 80.1861% | 5,773 |
| Equity capital to assets | 10.5093% | 3,492 |
| Core capital (leverage) ratio | 8.8346% | 4,992 |
| Tier 1 risk-based capital ratio | 12.7024% | 5,174 |
| Total risk-based capital ratio | 14.0046% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,065,258,670 | 629 |
| Average earning assets | $969,915,330 | 620 |
| Average equity | $111,189,670 | 628 |
| Average total loans | $707,194,000 | 598 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7262% | 4,387 |
| Cost of funding earning assets | 0.8892% | 5,004 |
| Net interest margin | 3.8370% | 3,432 |
| Noninterest income to average assets | 0.9280% | 1,553 |
| Noninterest expense to average assets | 3.5458% | 1,886 |
| Loan and lease loss provision to assets | 0.1515% | 4,132 |
| Net operating income to assets | 0.5555% | 4,257 |
| Return on assets (ROA) | 0.5520% | 4,348 |
| Pretax return on assets | 0.7224% | 4,212 |
| Return on Equity (ROE) | 5.3074% | 4,237 |
| Retained earnings to average equity (ytd only) | 5.3074% | 3,002 |
| Net charge-offs to loans | 0.1448% | 3,624 |
| Credit loss provision to net charge-offs | 158.1028% | 1,816 |
| Earnings coverage of net charge-offs (x) | 9.1700% | 1,751 |
| Efficiency ratio | 79.4009% | 2,633 |
| Assets per employee ($millions) | 3.8973% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 4,261 |
| Loan loss allowance to noncurrent loans | 122.1870% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.8830% | 5,144 |
| Noncurrent loans to loans | 1.2192% | 4,646 |
| Net loans and leases to total assets | 65.4456% | 3,142 |
| Net loans and leases to deposits | 80.1917% | 2,685 |
| Net loans and leases to core deposits | 84.8237% | 3,059 |
| Total domestic deposits to total assets | 81.6115% | 5,456 |
| Equity capital to assets | 10.5414% | 3,138 |
| Core capital (leverage) ratio | 8.7216% | 5,051 |
| Tier 1 risk-based capital ratio | 12.6751% | 5,091 |
| Total risk-based capital ratio | 13.9822% | 5,008 |
| Memoranda: | ||
| Average total assets | $1,056,452,000 | 642 |
| Average earning assets | $962,625,000 | 635 |
| Average equity | $109,883,500 | 630 |
| Average total loans | $698,966,000 | 614 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 4,651 |
| Cost of funding earning assets | 1.0605% | 5,366 |
| Net interest margin | 3.9193% | 3,403 |
| Noninterest income to average assets | 0.9341% | 1,728 |
| Noninterest expense to average assets | 3.6751% | 1,763 |
| Loan and lease loss provision to assets | 0.2531% | 4,769 |
| Net operating income to assets | 0.4643% | 4,251 |
| Return on assets (ROA) | 0.4710% | 4,391 |
| Pretax return on assets | 0.5799% | 4,386 |
| Return on Equity (ROE) | 4.6156% | 4,244 |
| Retained earnings to average equity (ytd only) | 4.6156% | 2,655 |
| Net charge-offs to loans | 0.2915% | 4,558 |
| Credit loss provision to net charge-offs | 133.0989% | 2,945 |
| Earnings coverage of net charge-offs (x) | 4.3375% | 2,963 |
| Efficiency ratio | 80.9321% | 2,290 |
| Assets per employee ($millions) | 4.0176% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 4,193 |
| Loan loss allowance to noncurrent loans | 84.1144% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 4,587 |
| Noncurrent loans to loans | 1.7466% | 3,885 |
| Net loans and leases to total assets | 64.9221% | 3,679 |
| Net loans and leases to deposits | 81.0827% | 2,972 |
| Net loans and leases to core deposits | 84.7679% | 3,485 |
| Total domestic deposits to total assets | 80.0691% | 5,814 |
| Equity capital to assets | 10.2621% | 3,433 |
| Core capital (leverage) ratio | 8.5277% | 5,307 |
| Tier 1 risk-based capital ratio | 12.4131% | 5,097 |
| Total risk-based capital ratio | 13.7050% | 5,049 |
| Memoranda: | ||
| Average total assets | $1,047,168,200 | 642 |
| Average earning assets | $952,706,000 | 631 |
| Average equity | $106,855,200 | 632 |
| Average total loans | $683,111,200 | 642 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 4,817 |
| Cost of funding earning assets | 1.0967% | 5,439 |
| Net interest margin | 3.9026% | 3,513 |
| Noninterest income to average assets | 0.8724% | 1,901 |
| Noninterest expense to average assets | 3.6848% | 1,600 |
| Loan and lease loss provision to assets | 0.3002% | 4,172 |
| Net operating income to assets | 0.3578% | 4,939 |
| Return on assets (ROA) | 0.3669% | 5,079 |
| Pretax return on assets | 0.4480% | 5,079 |
| Return on Equity (ROE) | 3.6003% | 4,965 |
| Retained earnings to average equity (ytd only) | 3.6003% | 3,915 |
| Net charge-offs to loans | 0.2848% | 4,235 |
| Credit loss provision to net charge-offs | 161.9573% | 2,325 |
| Earnings coverage of net charge-offs (x) | 3.9773% | 3,229 |
| Efficiency ratio | 82.5727% | 2,001 |
| Assets per employee ($millions) | 3.9622% | 3,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5164% | 3,890 |
| Loan loss allowance to noncurrent loans | 99.3664% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 4,907 |
| Noncurrent loans to loans | 1.5260% | 4,349 |
| Net loans and leases to total assets | 64.7462% | 3,963 |
| Net loans and leases to deposits | 79.7601% | 3,494 |
| Net loans and leases to core deposits | 83.7247% | 3,990 |
| Total domestic deposits to total assets | 81.1762% | 5,312 |
| Equity capital to assets | 10.3623% | 3,686 |
| Core capital (leverage) ratio | 8.3498% | 5,789 |
| Tier 1 risk-based capital ratio | 12.2447% | 5,227 |
| Total risk-based capital ratio | 13.5158% | 5,181 |
| Memoranda: | ||
| Average total assets | $1,043,799,500 | 637 |
| Average earning assets | $949,361,500 | 629 |
| Average equity | $106,358,000 | 624 |
| Average total loans | $679,174,250 | 643 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0077% | 4,910 |
| Cost of funding earning assets | 1.1393% | 5,465 |
| Net interest margin | 3.8684% | 3,597 |
| Noninterest income to average assets | 0.8187% | 2,024 |
| Noninterest expense to average assets | 3.6851% | 1,584 |
| Loan and lease loss provision to assets | 0.3941% | 3,348 |
| Net operating income to assets | 0.2344% | 5,439 |
| Return on assets (ROA) | 0.2487% | 5,520 |
| Pretax return on assets | 0.2712% | 5,592 |
| Return on Equity (ROE) | 2.4553% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.4553% | 4,587 |
| Net charge-offs to loans | 0.2253% | 4,250 |
| Credit loss provision to net charge-offs | 269.7368% | 1,399 |
| Earnings coverage of net charge-offs (x) | 4.4474% | 2,950 |
| Efficiency ratio | 84.2395% | 1,896 |
| Assets per employee ($millions) | 3.8533% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 3,396 |
| Loan loss allowance to noncurrent loans | 87.8588% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 1.2515% | 4,649 |
| Noncurrent loans to loans | 1.8339% | 3,961 |
| Net loans and leases to total assets | 63.7289% | 4,312 |
| Net loans and leases to deposits | 78.5405% | 3,879 |
| Net loans and leases to core deposits | 82.6134% | 4,329 |
| Total domestic deposits to total assets | 81.1415% | 5,356 |
| Equity capital to assets | 10.2155% | 3,749 |
| Core capital (leverage) ratio | 8.3146% | 5,737 |
| Tier 1 risk-based capital ratio | 12.4908% | 4,872 |
| Total risk-based capital ratio | 13.7466% | 4,843 |
| Memoranda: | ||
| Average total assets | $1,040,414,000 | 636 |
| Average earning assets | $945,662,330 | 633 |
| Average equity | $105,406,000 | 624 |
| Average total loans | $674,598,000 | 648 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0017% | 5,014 |
| Cost of funding earning assets | 1.1629% | 5,587 |
| Net interest margin | 3.8388% | 3,627 |
| Noninterest income to average assets | 0.7973% | 2,033 |
| Noninterest expense to average assets | 3.4850% | 2,022 |
| Loan and lease loss provision to assets | 0.1156% | 5,451 |
| Net operating income to assets | 0.4913% | 4,434 |
| Return on assets (ROA) | 0.5127% | 4,471 |
| Pretax return on assets | 0.7222% | 4,159 |
| Return on Equity (ROE) | 5.0815% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.0815% | 3,112 |
| Net charge-offs to loans | 0.2696% | 3,335 |
| Credit loss provision to net charge-offs | 66.0793% | 4,180 |
| Earnings coverage of net charge-offs (x) | 4.6189% | 2,591 |
| Efficiency ratio | 80.4038% | 2,507 |
| Assets per employee ($millions) | 3.8726% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4032% | 4,407 |
| Loan loss allowance to noncurrent loans | 81.6831% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.1957% | 4,785 |
| Noncurrent loans to loans | 1.7179% | 4,169 |
| Net loans and leases to total assets | 64.2451% | 4,280 |
| Net loans and leases to deposits | 79.6670% | 3,717 |
| Net loans and leases to core deposits | 83.8460% | 4,225 |
| Total domestic deposits to total assets | 80.6421% | 5,575 |
| Equity capital to assets | 10.2065% | 3,597 |
| Core capital (leverage) ratio | 8.3943% | 5,575 |
| Tier 1 risk-based capital ratio | 12.4159% | 4,824 |
| Total risk-based capital ratio | 13.6826% | 4,756 |
| Memoranda: | ||
| Average total assets | $1,038,498,000 | 655 |
| Average earning assets | $945,598,000 | 647 |
| Average equity | $104,771,500 | 633 |
| Average total loans | $673,704,500 | 671 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4369% | 4,505 |
| Cost of funding earning assets | 1.5518% | 5,270 |
| Net interest margin | 3.8852% | 3,326 |
| Noninterest income to average assets | 0.8862% | 2,001 |
| Noninterest expense to average assets | 3.7704% | 1,754 |
| Loan and lease loss provision to assets | 0.2906% | 5,102 |
| Net operating income to assets | 0.2688% | 4,652 |
| Return on assets (ROA) | 0.4258% | 4,133 |
| Pretax return on assets | 0.5624% | 4,011 |
| Return on Equity (ROE) | 4.1360% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.1360% | 2,323 |
| Net charge-offs to loans | 0.1882% | 5,478 |
| Credit loss provision to net charge-offs | 229.6120% | 1,606 |
| Earnings coverage of net charge-offs (x) | 5.1085% | 2,683 |
| Efficiency ratio | 84.5913% | 2,285 |
| Assets per employee ($millions) | 3.9809% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4262% | 4,095 |
| Loan loss allowance to noncurrent loans | 105.6637% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9294% | 5,243 |
| Noncurrent loans to loans | 1.3498% | 4,670 |
| Net loans and leases to total assets | 63.6678% | 4,661 |
| Net loans and leases to deposits | 80.8042% | 3,838 |
| Net loans and leases to core deposits | 96.4882% | 4,402 |
| Total domestic deposits to total assets | 78.7927% | 6,034 |
| Equity capital to assets | 9.9720% | 3,799 |
| Core capital (leverage) ratio | 8.1407% | 5,928 |
| Tier 1 risk-based capital ratio | 12.0887% | 4,859 |
| Total risk-based capital ratio | 13.3482% | 4,821 |
| Memoranda: | ||
| Average total assets | $997,965,000 | 669 |
| Average earning assets | $906,908,600 | 667 |
| Average equity | $102,732,600 | 636 |
| Average total loans | $671,206,200 | 696 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5257% | 4,295 |
| Cost of funding earning assets | 1.6317% | 5,247 |
| Net interest margin | 3.8940% | 3,254 |
| Noninterest income to average assets | 0.8832% | 2,045 |
| Noninterest expense to average assets | 3.7631% | 1,682 |
| Loan and lease loss provision to assets | 0.3513% | 4,215 |
| Net operating income to assets | 0.2259% | 5,074 |
| Return on assets (ROA) | 0.4292% | 4,383 |
| Pretax return on assets | 0.5860% | 4,227 |
| Return on Equity (ROE) | 4.1348% | 4,328 |
| Retained earnings to average equity (ytd only) | 4.1348% | 2,971 |
| Net charge-offs to loans | 0.1974% | 4,831 |
| Credit loss provision to net charge-offs | 261.8328% | 1,628 |
| Earnings coverage of net charge-offs (x) | 4.9104% | 2,972 |
| Efficiency ratio | 84.3270% | 2,260 |
| Assets per employee ($millions) | 3.8734% | 4,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4535% | 3,676 |
| Loan loss allowance to noncurrent loans | 137.5860% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 5,552 |
| Noncurrent loans to loans | 1.0565% | 5,205 |
| Net loans and leases to total assets | 64.2641% | 4,812 |
| Net loans and leases to deposits | 80.8613% | 4,231 |
| Net loans and leases to core deposits | 97.6096% | 4,648 |
| Total domestic deposits to total assets | 79.4744% | 5,635 |
| Equity capital to assets | 10.0827% | 3,977 |
| Core capital (leverage) ratio | 8.1665% | 6,073 |
| Tier 1 risk-based capital ratio | 12.1746% | 4,817 |
| Total risk-based capital ratio | 13.4281% | 4,761 |
| Memoranda: | ||
| Average total assets | $986,706,000 | 689 |
| Average earning assets | $896,709,000 | 685 |
| Average equity | $102,413,750 | 648 |
| Average total loans | $670,591,750 | 715 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6524% | 3,803 |
| Cost of funding earning assets | 1.7043% | 5,252 |
| Net interest margin | 3.9481% | 2,895 |
| Noninterest income to average assets | 0.8745% | 2,082 |
| Noninterest expense to average assets | 3.8468% | 1,577 |
| Loan and lease loss provision to assets | 0.4738% | 3,153 |
| Net operating income to assets | 0.1043% | 5,552 |
| Return on assets (ROA) | 0.3074% | 4,977 |
| Pretax return on assets | 0.4040% | 4,922 |
| Return on Equity (ROE) | 2.9314% | 4,928 |
| Retained earnings to average equity (ytd only) | 2.9314% | 3,697 |
| Net charge-offs to loans | 0.2196% | 4,129 |
| Credit loss provision to net charge-offs | 312.9252% | 1,487 |
| Earnings coverage of net charge-offs (x) | 4.0327% | 3,238 |
| Efficiency ratio | 85.5347% | 2,278 |
| Assets per employee ($millions) | 3.6746% | 4,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4577% | 3,423 |
| Loan loss allowance to noncurrent loans | 286.1624% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 6,215 |
| Noncurrent loans to loans | 0.5094% | 6,251 |
| Net loans and leases to total assets | 66.5096% | 4,457 |
| Net loans and leases to deposits | 83.8052% | 3,918 |
| Net loans and leases to core deposits | 98.8096% | 4,618 |
| Total domestic deposits to total assets | 79.3622% | 5,704 |
| Equity capital to assets | 10.2252% | 3,695 |
| Core capital (leverage) ratio | 8.2267% | 5,934 |
| Tier 1 risk-based capital ratio | 11.8903% | 5,008 |
| Total risk-based capital ratio | 13.1440% | 4,920 |
| Memoranda: | ||
| Average total assets | $970,875,670 | 716 |
| Average earning assets | $881,071,000 | 716 |
| Average equity | $101,793,330 | 662 |
| Average total loans | $669,315,670 | 737 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6665% | 3,962 |
| Cost of funding earning assets | 1.7958% | 5,133 |
| Net interest margin | 3.8706% | 3,187 |
| Noninterest income to average assets | 0.8415% | 2,118 |
| Noninterest expense to average assets | 3.8036% | 1,465 |
| Loan and lease loss provision to assets | 0.1875% | 4,564 |
| Net operating income to assets | 0.2712% | 5,405 |
| Return on assets (ROA) | 0.2712% | 5,571 |
| Pretax return on assets | 0.3637% | 5,504 |
| Return on Equity (ROE) | 2.5538% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.5538% | 4,457 |
| Net charge-offs to loans | 0.3126% | 2,852 |
| Credit loss provision to net charge-offs | 86.0421% | 4,084 |
| Earnings coverage of net charge-offs (x) | 2.5296% | 3,484 |
| Efficiency ratio | 86.0054% | 2,065 |
| Assets per employee ($millions) | 3.5744% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2184% | 4,677 |
| Loan loss allowance to noncurrent loans | 147.1025% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7279% | 5,338 |
| Noncurrent loans to loans | 0.8283% | 5,374 |
| Net loans and leases to total assets | 67.9852% | 4,144 |
| Net loans and leases to deposits | 85.3436% | 3,747 |
| Net loans and leases to core deposits | 100.7626% | 4,466 |
| Total domestic deposits to total assets | 79.6606% | 5,483 |
| Equity capital to assets | 10.5189% | 3,443 |
| Core capital (leverage) ratio | 8.3863% | 5,737 |
| Tier 1 risk-based capital ratio | 11.7342% | 5,183 |
| Total risk-based capital ratio | 12.9846% | 5,105 |
| Memoranda: | ||
| Average total assets | $960,244,000 | 726 |
| Average earning assets | $871,585,000 | 728 |
| Average equity | $101,966,000 | 660 |
| Average total loans | $669,159,000 | 742 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1324% | 4,880 |
| Cost of funding earning assets | 2.1580% | 5,788 |
| Net interest margin | 3.9744% | 3,239 |
| Noninterest income to average assets | 0.7972% | 2,532 |
| Noninterest expense to average assets | 3.8742% | 1,609 |
| Loan and lease loss provision to assets | 0.0419% | 6,885 |
| Net operating income to assets | 0.3765% | 5,246 |
| Return on assets (ROA) | 0.3429% | 5,201 |
| Pretax return on assets | 0.4241% | 5,191 |
| Return on Equity (ROE) | 3.0977% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.0977% | 3,230 |
| Net charge-offs to loans | 0.2894% | 3,472 |
| Credit loss provision to net charge-offs | 20.0107% | 6,578 |
| Earnings coverage of net charge-offs (x) | 2.4248% | 4,865 |
| Efficiency ratio | 87.5076% | 1,723 |
| Assets per employee ($millions) | 3.5253% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2203% | 4,376 |
| Loan loss allowance to noncurrent loans | 128.4841% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 5,208 |
| Noncurrent loans to loans | 0.9498% | 4,704 |
| Net loans and leases to total assets | 69.7031% | 4,087 |
| Net loans and leases to deposits | 88.8045% | 3,663 |
| Net loans and leases to core deposits | 103.9273% | 4,402 |
| Total domestic deposits to total assets | 78.4905% | 5,554 |
| Equity capital to assets | 10.7204% | 3,279 |
| Core capital (leverage) ratio | 8.5801% | 5,427 |
| Tier 1 risk-based capital ratio | 11.9373% | 4,873 |
| Total risk-based capital ratio | 13.1882% | 4,756 |
| Memoranda: | ||
| Average total assets | $895,554,600 | 747 |
| Average earning assets | $807,689,400 | 759 |
| Average equity | $99,138,000 | 668 |
| Average total loans | $647,486,200 | 736 |