Home > Bank of Washington > Performance and Condition Ratios
Bank of Washington, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9138% | 242 |
| Cost of funding earning assets | 1.8346% | 1,194 |
| Net interest margin | 5.0792% | 287 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.4131% | 2,550 |
| Loan and lease loss provision to assets | 0.4400% | 217 |
| Net operating income to assets | 2.2245% | 328 |
| Return on assets (ROA) | 2.2245% | 318 |
| Pretax return on assets | 2.2245% | 478 |
| Return on Equity (ROE) | 19.4900% | 658 |
| Retained earnings to average equity (ytd only) | 9.9046% | 1,038 |
| Net charge-offs to loans | 0.3425% | 320 |
| Credit loss provision to net charge-offs | 125.7873% | 1,627 |
| Earnings coverage of net charge-offs (x) | 8.7976% | 2,325 |
| Efficiency ratio | 47.5040% | 4,113 |
| Assets per employee ($millions) | 9.4186% | 854 |
| Cash dividends to net income (ytd only)* | 49.1927% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 976 |
| Loan loss allowance to noncurrent loans | 76.8687% | 3,416 |
| Noncurrent assets plus other real estate owned to assets | 2.9089% | 77 |
| Noncurrent loans to loans | 1.9933% | 283 |
| Net loans and leases to total assets | 86.9600% | 120 |
| Net loans and leases to deposits | 113.2768% | 143 |
| Net loans and leases to core deposits | 132.3393% | 372 |
| Total domestic deposits to total assets | 76.7700% | 3,868 |
| Equity capital to assets | 11.5033% | 1,283 |
| Core capital (leverage) ratio | 11.8378% | 1,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,058,021,200 | 935 |
| Average earning assets | $997,320,800 | 910 |
| Average equity | $120,731,600 | 819 |
| Average total loans | $936,316,400 | 769 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7694% | 239 |
| Cost of funding earning assets | 1.6545% | 1,269 |
| Net interest margin | 5.1149% | 274 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.4176% | 2,471 |
| Loan and lease loss provision to assets | 0.4400% | 179 |
| Net operating income to assets | 2.2523% | 349 |
| Return on assets (ROA) | 2.2523% | 341 |
| Pretax return on assets | 2.2523% | 519 |
| Return on Equity (ROE) | 19.7800% | 745 |
| Retained earnings to average equity (ytd only) | 11.3856% | 1,092 |
| Net charge-offs to loans | 0.0325% | 1,429 |
| Credit loss provision to net charge-offs | 1,293.8053% | 340 |
| Earnings coverage of net charge-offs (x) | 93.6504% | 954 |
| Efficiency ratio | 47.2852% | 4,077 |
| Assets per employee ($millions) | 9.7071% | 743 |
| Cash dividends to net income (ytd only)* | 42.4379% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7534% | 626 |
| Loan loss allowance to noncurrent loans | 88.5775% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 2.9330% | 73 |
| Noncurrent loans to loans | 1.9796% | 311 |
| Net loans and leases to total assets | 87.2600% | 107 |
| Net loans and leases to deposits | 117.4832% | 100 |
| Net loans and leases to core deposits | 137.1603% | 253 |
| Total domestic deposits to total assets | 74.2800% | 4,139 |
| Equity capital to assets | 11.4982% | 1,181 |
| Core capital (leverage) ratio | 11.9543% | 1,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,047,031,750 | 943 |
| Average earning assets | $987,018,500 | 915 |
| Average equity | $119,223,500 | 825 |
| Average total loans | $927,103,500 | 775 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5799% | 239 |
| Cost of funding earning assets | 1.4546% | 1,325 |
| Net interest margin | 5.1253% | 265 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.4119% | 2,442 |
| Loan and lease loss provision to assets | 0.4400% | 178 |
| Net operating income to assets | 2.2394% | 335 |
| Return on assets (ROA) | 2.2394% | 329 |
| Pretax return on assets | 2.2394% | 508 |
| Return on Equity (ROE) | 19.7300% | 739 |
| Retained earnings to average equity (ytd only) | 12.2192% | 945 |
| Net charge-offs to loans | 0.0393% | 1,129 |
| Credit loss provision to net charge-offs | 1,036.1111% | 397 |
| Earnings coverage of net charge-offs (x) | 77.1556% | 1,071 |
| Efficiency ratio | 47.3780% | 4,101 |
| Assets per employee ($millions) | 9.1957% | 854 |
| Cash dividends to net income (ytd only)* | 38.0792% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 806 |
| Loan loss allowance to noncurrent loans | 84.8343% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 2.9292% | 75 |
| Noncurrent loans to loans | 1.9643% | 289 |
| Net loans and leases to total assets | 87.2300% | 109 |
| Net loans and leases to deposits | 114.4490% | 143 |
| Net loans and leases to core deposits | 123.3561% | 442 |
| Total domestic deposits to total assets | 76.2200% | 4,024 |
| Equity capital to assets | 11.3860% | 1,234 |
| Core capital (leverage) ratio | 11.8386% | 1,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,036,878,667 | 939 |
| Average earning assets | $977,344,000 | 916 |
| Average equity | $117,667,333 | 828 |
| Average total loans | $917,127,000 | 770 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2769% | 228 |
| Cost of funding earning assets | 1.1673% | 1,543 |
| Net interest margin | 5.1096% | 252 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.4204% | 2,469 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 2.4239% | 268 |
| Return on assets (ROA) | 2.4239% | 266 |
| Pretax return on assets | 2.4239% | 397 |
| Return on Equity (ROE) | 21.4000% | 630 |
| Retained earnings to average equity (ytd only) | 11.3773% | 1,381 |
| Net charge-offs to loans | -0.2845% | 4,621 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.6535% | 4,109 |
| Assets per employee ($millions) | 9.2448% | 860 |
| Cash dividends to net income (ytd only)* | 46.8271% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6246% | 965 |
| Loan loss allowance to noncurrent loans | 98.0510% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 2.6481% | 71 |
| Noncurrent loans to loans | 1.6569% | 382 |
| Net loans and leases to total assets | 86.5400% | 119 |
| Net loans and leases to deposits | 112.5789% | 144 |
| Net loans and leases to core deposits | 119.9050% | 438 |
| Total domestic deposits to total assets | 76.8700% | 4,092 |
| Equity capital to assets | 11.0657% | 1,318 |
| Core capital (leverage) ratio | 12.0751% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,021,968,500 | 966 |
| Average earning assets | $962,898,000 | 943 |
| Average equity | $115,774,000 | 851 |
| Average total loans | $902,553,000 | 792 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 344 |
| Cost of funding earning assets | 0.4934% | 1,438 |
| Net interest margin | 4.4398% | 329 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.4601% | 2,239 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.9527% | 326 |
| Return on assets (ROA) | 1.9527% | 315 |
| Pretax return on assets | 1.9527% | 526 |
| Return on Equity (ROE) | 16.6100% | 939 |
| Retained earnings to average equity (ytd only) | 10.3222% | 1,063 |
| Net charge-offs to loans | -0.0030% | 3,529 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.1488% | 3,783 |
| Assets per employee ($millions) | 8.2419% | 1,214 |
| Cash dividends to net income (ytd only)* | 37.8587% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8661% | 575 |
| Loan loss allowance to noncurrent loans | 100.5264% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 2.9401% | 48 |
| Noncurrent loans to loans | 1.8563% | 313 |
| Net loans and leases to total assets | 87.0400% | 105 |
| Net loans and leases to deposits | 107.5530% | 206 |
| Net loans and leases to core deposits | 111.3742% | 567 |
| Total domestic deposits to total assets | 80.9300% | 3,769 |
| Equity capital to assets | 11.6134% | 1,048 |
| Core capital (leverage) ratio | 12.0181% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $920,752,800 | 1,050 |
| Average earning assets | $865,408,800 | 1,038 |
| Average equity | $108,242,600 | 894 |
| Average total loans | $788,111,400 | 828 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5133% | 492 |
| Cost of funding earning assets | 0.3844% | 1,404 |
| Net interest margin | 4.1289% | 486 |
| Noninterest income to average assets | 0.3800% | 2,865 |
| Noninterest expense to average assets | 2.5519% | 1,857 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 1.5716% | 702 |
| Return on assets (ROA) | 1.5716% | 681 |
| Pretax return on assets | 1.5716% | 1,200 |
| Return on Equity (ROE) | 13.3200% | 1,605 |
| Retained earnings to average equity (ytd only) | 8.9375% | 1,670 |
| Net charge-offs to loans | -0.0158% | 3,896 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.9613% | 3,117 |
| Assets per employee ($millions) | 8.1659% | 1,232 |
| Cash dividends to net income (ytd only)* | 32.9243% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8617% | 647 |
| Loan loss allowance to noncurrent loans | 96.6826% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 3.2472% | 41 |
| Noncurrent loans to loans | 1.9255% | 316 |
| Net loans and leases to total assets | 87.5300% | 73 |
| Net loans and leases to deposits | 107.3426% | 166 |
| Net loans and leases to core deposits | 112.1371% | 407 |
| Total domestic deposits to total assets | 81.5400% | 3,900 |
| Equity capital to assets | 11.3567% | 1,053 |
| Core capital (leverage) ratio | 12.0338% | 1,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $905,745,750 | 1,079 |
| Average earning assets | $851,180,000 | 1,062 |
| Average equity | $106,827,750 | 914 |
| Average total loans | $767,663,000 | 837 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1387% | 716 |
| Cost of funding earning assets | 0.3153% | 1,574 |
| Net interest margin | 3.8234% | 713 |
| Noninterest income to average assets | 0.4327% | 2,556 |
| Noninterest expense to average assets | 2.6133% | 1,600 |
| Loan and lease loss provision to assets | 0.1354% | 703 |
| Net operating income to assets | 1.2740% | 1,211 |
| Return on assets (ROA) | 1.2740% | 1,197 |
| Pretax return on assets | 1.2740% | 1,831 |
| Return on Equity (ROE) | 10.6587% | 2,110 |
| Retained earnings to average equity (ytd only) | 6.3231% | 2,227 |
| Net charge-offs to loans | -0.0136% | 3,715 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,587 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9635% | 2,641 |
| Assets per employee ($millions) | 7.6001% | 1,550 |
| Cash dividends to net income (ytd only)* | 40.6765% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0066% | 544 |
| Loan loss allowance to noncurrent loans | 92.2746% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 3.5500% | 36 |
| Noncurrent loans to loans | 2.1746% | 291 |
| Net loans and leases to total assets | 85.2718% | 118 |
| Net loans and leases to deposits | 100.4899% | 254 |
| Net loans and leases to core deposits | 101.8771% | 598 |
| Total domestic deposits to total assets | 84.8561% | 3,513 |
| Equity capital to assets | 11.9265% | 903 |
| Core capital (leverage) ratio | 12.3723% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $886,467,333 | 1,090 |
| Average earning assets | $832,338,333 | 1,080 |
| Average equity | $105,960,000 | 927 |
| Average total loans | $737,068,333 | 855 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8736% | 965 |
| Cost of funding earning assets | 0.3298% | 1,382 |
| Net interest margin | 3.5439% | 997 |
| Noninterest income to average assets | 0.3976% | 2,705 |
| Noninterest expense to average assets | 2.5349% | 1,795 |
| Loan and lease loss provision to assets | 0.1362% | 592 |
| Net operating income to assets | 1.0530% | 1,676 |
| Return on assets (ROA) | 1.0530% | 1,667 |
| Pretax return on assets | 1.0530% | 2,283 |
| Return on Equity (ROE) | 8.7995% | 2,393 |
| Retained earnings to average equity (ytd only) | 3.1215% | 3,218 |
| Net charge-offs to loans | -0.0140% | 3,736 |
| Credit loss provision to net charge-offs | -1,200.0000% | 3,296 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0683% | 2,497 |
| Assets per employee ($millions) | 7.6844% | 1,561 |
| Cash dividends to net income (ytd only)* | 64.5259% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1341% | 500 |
| Loan loss allowance to noncurrent loans | 90.4821% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 3.6294% | 45 |
| Noncurrent loans to loans | 2.3586% | 269 |
| Net loans and leases to total assets | 79.5737% | 258 |
| Net loans and leases to deposits | 91.8587% | 435 |
| Net loans and leases to core deposits | 92.7394% | 787 |
| Total domestic deposits to total assets | 86.6261% | 3,061 |
| Equity capital to assets | 11.8935% | 999 |
| Core capital (leverage) ratio | 11.9829% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $881,293,500 | 1,100 |
| Average earning assets | $827,230,500 | 1,086 |
| Average equity | $105,460,500 | 957 |
| Average total loans | $715,408,000 | 864 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4204% | 691 |
| Cost of funding earning assets | 0.4323% | 1,311 |
| Net interest margin | 3.9881% | 731 |
| Noninterest income to average assets | 0.6773% | 1,844 |
| Noninterest expense to average assets | 2.5451% | 2,043 |
| Loan and lease loss provision to assets | 0.1393% | 867 |
| Net operating income to assets | 1.7160% | 610 |
| Return on assets (ROA) | 1.7160% | 631 |
| Pretax return on assets | 1.7160% | 1,107 |
| Return on Equity (ROE) | 14.3318% | 1,094 |
| Retained earnings to average equity (ytd only) | 6.8289% | 1,992 |
| Net charge-offs to loans | -0.0401% | 4,224 |
| Credit loss provision to net charge-offs | -415.2249% | 3,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8368% | 3,471 |
| Assets per employee ($millions) | 7.7095% | 1,489 |
| Cash dividends to net income (ytd only)* | 52.3513% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1072% | 514 |
| Loan loss allowance to noncurrent loans | 88.4078% | 3,522 |
| Noncurrent assets plus other real estate owned to assets | 3.5277% | 53 |
| Noncurrent loans to loans | 2.3835% | 288 |
| Net loans and leases to total assets | 79.3368% | 303 |
| Net loans and leases to deposits | 92.5453% | 438 |
| Net loans and leases to core deposits | 93.9712% | 784 |
| Total domestic deposits to total assets | 85.7275% | 3,007 |
| Equity capital to assets | 12.0400% | 1,236 |
| Core capital (leverage) ratio | 12.3716% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $861,233,800 | 1,079 |
| Average earning assets | $804,022,600 | 1,083 |
| Average equity | $103,120,200 | 989 |
| Average total loans | $721,134,200 | 857 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4319% | 771 |
| Cost of funding earning assets | 0.4669% | 1,236 |
| Net interest margin | 3.9650% | 843 |
| Noninterest income to average assets | 0.6406% | 2,051 |
| Noninterest expense to average assets | 2.5100% | 2,093 |
| Loan and lease loss provision to assets | 0.1420% | 798 |
| Net operating income to assets | 1.6863% | 855 |
| Return on assets (ROA) | 1.6863% | 898 |
| Pretax return on assets | 1.6863% | 1,438 |
| Return on Equity (ROE) | 14.1040% | 1,359 |
| Retained earnings to average equity (ytd only) | 7.4262% | 2,263 |
| Net charge-offs to loans | -0.0522% | 4,378 |
| Credit loss provision to net charge-offs | -322.6148% | 3,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8551% | 3,287 |
| Assets per employee ($millions) | 7.5790% | 1,522 |
| Cash dividends to net income (ytd only)* | 47.3471% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0649% | 573 |
| Loan loss allowance to noncurrent loans | 87.8095% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 3.7203% | 53 |
| Noncurrent loans to loans | 2.3515% | 335 |
| Net loans and leases to total assets | 81.4976% | 219 |
| Net loans and leases to deposits | 96.8405% | 321 |
| Net loans and leases to core deposits | 99.5584% | 605 |
| Total domestic deposits to total assets | 84.1565% | 3,420 |
| Equity capital to assets | 12.2390% | 1,293 |
| Core capital (leverage) ratio | 12.2706% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $856,822,250 | 1,097 |
| Average earning assets | $799,070,000 | 1,098 |
| Average equity | $102,446,000 | 1,011 |
| Average total loans | $723,346,750 | 868 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 934 |
| Cost of funding earning assets | 0.4851% | 1,290 |
| Net interest margin | 3.8580% | 1,049 |
| Noninterest income to average assets | 0.6511% | 2,003 |
| Noninterest expense to average assets | 2.4148% | 2,414 |
| Loan and lease loss provision to assets | 0.1412% | 863 |
| Net operating income to assets | 1.6885% | 893 |
| Return on assets (ROA) | 1.6885% | 936 |
| Pretax return on assets | 1.6885% | 1,509 |
| Return on Equity (ROE) | 14.2344% | 1,343 |
| Retained earnings to average equity (ytd only) | 7.5864% | 2,223 |
| Net charge-offs to loans | -0.0660% | 4,479 |
| Credit loss provision to net charge-offs | -252.0833% | 3,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8923% | 3,420 |
| Assets per employee ($millions) | 7.6265% | 1,405 |
| Cash dividends to net income (ytd only)* | 46.7035% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9688% | 647 |
| Loan loss allowance to noncurrent loans | 85.1360% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 3.8837% | 56 |
| Noncurrent loans to loans | 2.3125% | 381 |
| Net loans and leases to total assets | 84.4943% | 118 |
| Net loans and leases to deposits | 100.3149% | 246 |
| Net loans and leases to core deposits | 103.1217% | 561 |
| Total domestic deposits to total assets | 84.2291% | 3,358 |
| Equity capital to assets | 12.1932% | 1,276 |
| Core capital (leverage) ratio | 11.8074% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8098% | 2,433 |
| Memoranda: | ||
| Average total assets | $856,953,333 | 1,089 |
| Average earning assets | $798,178,000 | 1,093 |
| Average equity | $101,655,333 | 1,013 |
| Average total loans | $726,900,667 | 867 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2728% | 1,086 |
| Cost of funding earning assets | 0.4990% | 1,400 |
| Net interest margin | 3.7738% | 1,193 |
| Noninterest income to average assets | 0.6862% | 1,910 |
| Noninterest expense to average assets | 2.3179% | 2,730 |
| Loan and lease loss provision to assets | 0.1396% | 958 |
| Net operating income to assets | 1.7407% | 881 |
| Return on assets (ROA) | 1.7407% | 928 |
| Pretax return on assets | 1.7407% | 1,414 |
| Return on Equity (ROE) | 14.8781% | 1,245 |
| Retained earnings to average equity (ytd only) | 11.7058% | 1,226 |
| Net charge-offs to loans | -0.0915% | 4,607 |
| Credit loss provision to net charge-offs | -181.3253% | 2,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2105% | 3,648 |
| Assets per employee ($millions) | 8.0396% | 1,185 |
| Cash dividends to net income (ytd only)* | 21.3220% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8756% | 763 |
| Loan loss allowance to noncurrent loans | 82.4122% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 3.8665% | 62 |
| Noncurrent loans to loans | 2.2758% | 432 |
| Net loans and leases to total assets | 82.7448% | 194 |
| Net loans and leases to deposits | 97.9311% | 348 |
| Net loans and leases to core deposits | 102.7060% | 612 |
| Total domestic deposits to total assets | 84.4928% | 3,283 |
| Equity capital to assets | 11.5419% | 1,515 |
| Core capital (leverage) ratio | 11.7712% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3661% | 2,133 |
| Memoranda: | ||
| Average total assets | $862,162,000 | 1,083 |
| Average earning assets | $802,371,500 | 1,079 |
| Average equity | $100,873,000 | 1,007 |
| Average total loans | $725,531,000 | 871 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6614% | 962 |
| Cost of funding earning assets | 0.7157% | 1,641 |
| Net interest margin | 3.9458% | 1,100 |
| Noninterest income to average assets | 0.6265% | 2,116 |
| Noninterest expense to average assets | 2.4594% | 2,960 |
| Loan and lease loss provision to assets | 0.1542% | 2,444 |
| Net operating income to assets | 1.6913% | 513 |
| Return on assets (ROA) | 1.6913% | 553 |
| Pretax return on assets | 1.6913% | 869 |
| Return on Equity (ROE) | 13.5373% | 912 |
| Retained earnings to average equity (ytd only) | 2.9249% | 3,406 |
| Net charge-offs to loans | -0.0928% | 4,799 |
| Credit loss provision to net charge-offs | -195.8266% | 3,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1311% | 3,839 |
| Assets per employee ($millions) | 7.3681% | 1,354 |
| Cash dividends to net income (ytd only)* | 78.3937% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9169% | 697 |
| Loan loss allowance to noncurrent loans | 78.4496% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 4.2070% | 57 |
| Noncurrent loans to loans | 2.4435% | 419 |
| Net loans and leases to total assets | 82.3599% | 269 |
| Net loans and leases to deposits | 98.7572% | 424 |
| Net loans and leases to core deposits | 104.3011% | 712 |
| Total domestic deposits to total assets | 83.3963% | 3,295 |
| Equity capital to assets | 11.8664% | 1,640 |
| Core capital (leverage) ratio | 11.8608% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3360% | 2,109 |
| Memoranda: | ||
| Average total assets | $791,424,000 | 1,071 |
| Average earning assets | $737,780,800 | 1,055 |
| Average equity | $98,874,800 | 967 |
| Average total loans | $671,157,200 | 898 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,295 |
| Cost of funding earning assets | 0.7615% | 1,671 |
| Net interest margin | 3.8419% | 1,497 |
| Noninterest income to average assets | 0.7838% | 1,560 |
| Noninterest expense to average assets | 2.5132% | 2,797 |
| Loan and lease loss provision to assets | 0.1590% | 2,412 |
| Net operating income to assets | 1.6948% | 577 |
| Return on assets (ROA) | 1.6948% | 644 |
| Pretax return on assets | 1.6948% | 977 |
| Return on Equity (ROE) | 13.3850% | 1,008 |
| Retained earnings to average equity (ytd only) | 2.8713% | 3,567 |
| Net charge-offs to loans | 0.0064% | 2,899 |
| Credit loss provision to net charge-offs | 2,903.1250% | 359 |
| Earnings coverage of net charge-offs (x) | 338.5938% | 326 |
| Efficiency ratio | 57.5498% | 3,730 |
| Assets per employee ($millions) | 7.3304% | 1,311 |
| Cash dividends to net income (ytd only)* | 78.5484% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7878% | 746 |
| Loan loss allowance to noncurrent loans | 65.9153% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 4.7196% | 59 |
| Noncurrent loans to loans | 2.7122% | 370 |
| Net loans and leases to total assets | 83.3906% | 328 |
| Net loans and leases to deposits | 105.9461% | 326 |
| Net loans and leases to core deposits | 111.6640% | 638 |
| Total domestic deposits to total assets | 78.7104% | 4,102 |
| Equity capital to assets | 11.9583% | 1,701 |
| Core capital (leverage) ratio | 12.1217% | 1,279 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3124% | 1,727 |
| Memoranda: | ||
| Average total assets | $779,288,750 | 1,064 |
| Average earning assets | $726,802,000 | 1,054 |
| Average equity | $98,675,000 | 966 |
| Average total loans | $662,618,000 | 902 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 1,561 |
| Cost of funding earning assets | 0.8177% | 1,746 |
| Net interest margin | 3.8236% | 1,763 |
| Noninterest income to average assets | 0.7167% | 1,682 |
| Noninterest expense to average assets | 2.4857% | 3,002 |
| Loan and lease loss provision to assets | 0.1617% | 2,382 |
| Net operating income to assets | 1.6413% | 692 |
| Return on assets (ROA) | 1.6413% | 755 |
| Pretax return on assets | 1.6413% | 1,124 |
| Return on Equity (ROE) | 12.7065% | 1,170 |
| Retained earnings to average equity (ytd only) | 9.4593% | 889 |
| Net charge-offs to loans | 0.0317% | 2,093 |
| Credit loss provision to net charge-offs | 599.0291% | 1,113 |
| Earnings coverage of net charge-offs (x) | 66.7767% | 904 |
| Efficiency ratio | 57.9584% | 3,688 |
| Assets per employee ($millions) | 7.1376% | 1,371 |
| Cash dividends to net income (ytd only)* | 25.5550% | 2,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7159% | 789 |
| Loan loss allowance to noncurrent loans | 41.1302% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 4.6463% | 62 |
| Noncurrent loans to loans | 4.1719% | 154 |
| Net loans and leases to total assets | 84.3368% | 227 |
| Net loans and leases to deposits | 111.2412% | 208 |
| Net loans and leases to core deposits | 117.1461% | 498 |
| Total domestic deposits to total assets | 75.8144% | 4,445 |
| Equity capital to assets | 12.2675% | 1,503 |
| Core capital (leverage) ratio | 13.0521% | 984 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4140% | 1,659 |
| Memoranda: | ||
| Average total assets | $762,939,000 | 1,068 |
| Average earning assets | $712,739,000 | 1,055 |
| Average equity | $98,548,333 | 959 |
| Average total loans | $649,047,333 | 906 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 1,671 |
| Cost of funding earning assets | 0.9232% | 1,759 |
| Net interest margin | 3.7910% | 2,018 |
| Noninterest income to average assets | 0.5246% | 2,417 |
| Noninterest expense to average assets | 2.6105% | 2,951 |
| Loan and lease loss provision to assets | 0.1687% | 1,739 |
| Net operating income to assets | 1.2738% | 1,313 |
| Return on assets (ROA) | 1.2738% | 1,413 |
| Pretax return on assets | 1.2738% | 1,952 |
| Return on Equity (ROE) | 9.5881% | 1,883 |
| Retained earnings to average equity (ytd only) | 6.2904% | 1,776 |
| Net charge-offs to loans | -0.0647% | 4,707 |
| Credit loss provision to net charge-offs | -308.0000% | 3,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4102% | 3,172 |
| Assets per employee ($millions) | 6.6843% | 1,241 |
| Cash dividends to net income (ytd only)* | 34.3938% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8985% | 607 |
| Loan loss allowance to noncurrent loans | 40.5646% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 5.1898% | 60 |
| Noncurrent loans to loans | 4.6802% | 144 |
| Net loans and leases to total assets | 83.4138% | 308 |
| Net loans and leases to deposits | 107.6679% | 244 |
| Net loans and leases to core deposits | 113.4118% | 689 |
| Total domestic deposits to total assets | 77.4733% | 4,299 |
| Equity capital to assets | 13.1068% | 1,377 |
| Core capital (leverage) ratio | 13.4438% | 1,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9225% | 1,932 |
| Memoranda: | ||
| Average total assets | $730,425,000 | 1,073 |
| Average earning assets | $679,822,000 | 1,068 |
| Average equity | $97,037,000 | 966 |
| Average total loans | $618,335,000 | 923 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 1,130 |
| Cost of funding earning assets | 1.0206% | 1,633 |
| Net interest margin | 4.1198% | 1,486 |
| Noninterest income to average assets | 0.4077% | 3,247 |
| Noninterest expense to average assets | 2.5168% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7207% | 632 |
| Return on assets (ROA) | 1.7207% | 672 |
| Pretax return on assets | 1.7207% | 1,134 |
| Return on Equity (ROE) | 13.4999% | 1,010 |
| Retained earnings to average equity (ytd only) | 9.1182% | 683 |
| Net charge-offs to loans | 0.0849% | 1,902 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 24.5498% | 1,768 |
| Efficiency ratio | 59.3937% | 3,776 |
| Assets per employee ($millions) | 6.1398% | 1,524 |
| Cash dividends to net income (ytd only)* | 32.4570% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9458% | 505 |
| Loan loss allowance to noncurrent loans | 39.3231% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 5.4821% | 43 |
| Noncurrent loans to loans | 4.9482% | 107 |
| Net loans and leases to total assets | 82.6215% | 473 |
| Net loans and leases to deposits | 105.4265% | 320 |
| Net loans and leases to core deposits | 109.8428% | 861 |
| Total domestic deposits to total assets | 78.3689% | 4,302 |
| Equity capital to assets | 13.4724% | 1,285 |
| Core capital (leverage) ratio | 13.3717% | 1,094 |
| Tier 1 risk-based capital ratio | 13.6099% | 3,454 |
| Total risk-based capital ratio | 14.8650% | 3,361 |
| Memoranda: | ||
| Average total assets | $716,233,000 | 1,046 |
| Average earning assets | $665,803,800 | 1,040 |
| Average equity | $91,289,600 | 967 |
| Average total loans | $591,182,000 | 920 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2147% | 1,014 |
| Cost of funding earning assets | 1.0424% | 1,574 |
| Net interest margin | 4.1723% | 1,441 |
| Noninterest income to average assets | 0.5179% | 2,621 |
| Noninterest expense to average assets | 2.5140% | 3,398 |
| Loan and lease loss provision to assets | 0.1128% | 1,734 |
| Net operating income to assets | 1.7645% | 654 |
| Return on assets (ROA) | 1.7645% | 690 |
| Pretax return on assets | 1.7705% | 1,159 |
| Return on Equity (ROE) | 14.0425% | 974 |
| Retained earnings to average equity (ytd only) | 9.6043% | 868 |
| Net charge-offs to loans | 0.0548% | 2,050 |
| Credit loss provision to net charge-offs | 250.8264% | 1,088 |
| Earnings coverage of net charge-offs (x) | 41.8634% | 1,330 |
| Efficiency ratio | 57.1718% | 4,048 |
| Assets per employee ($millions) | 6.6783% | 1,169 |
| Cash dividends to net income (ytd only)* | 31.6056% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1010% | 391 |
| Loan loss allowance to noncurrent loans | 40.8759% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 5.7741% | 53 |
| Noncurrent loans to loans | 5.1399% | 103 |
| Net loans and leases to total assets | 81.0409% | 704 |
| Net loans and leases to deposits | 101.1627% | 548 |
| Net loans and leases to core deposits | 106.5483% | 1,145 |
| Total domestic deposits to total assets | 80.1095% | 3,972 |
| Equity capital to assets | 13.0829% | 1,579 |
| Core capital (leverage) ratio | 13.0823% | 1,312 |
| Tier 1 risk-based capital ratio | 13.2919% | 3,692 |
| Total risk-based capital ratio | 14.5485% | 3,589 |
| Memoranda: | ||
| Average total assets | $717,237,750 | 1,053 |
| Average earning assets | $666,888,750 | 1,042 |
| Average equity | $90,124,000 | 976 |
| Average total loans | $588,947,750 | 922 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 1,349 |
| Cost of funding earning assets | 1.0363% | 1,549 |
| Net interest margin | 4.0150% | 1,877 |
| Noninterest income to average assets | 0.4679% | 2,857 |
| Noninterest expense to average assets | 2.5487% | 3,332 |
| Loan and lease loss provision to assets | 0.0846% | 2,152 |
| Net operating income to assets | 1.5731% | 965 |
| Return on assets (ROA) | 1.5731% | 1,002 |
| Pretax return on assets | 1.5731% | 1,627 |
| Return on Equity (ROE) | 12.6951% | 1,336 |
| Retained earnings to average equity (ytd only) | 8.1861% | 1,320 |
| Net charge-offs to loans | 0.1020% | 1,363 |
| Credit loss provision to net charge-offs | 101.3378% | 1,942 |
| Earnings coverage of net charge-offs (x) | 19.8462% | 1,802 |
| Efficiency ratio | 60.5898% | 3,642 |
| Assets per employee ($millions) | 6.3606% | 1,304 |
| Cash dividends to net income (ytd only)* | 35.5177% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1018% | 394 |
| Loan loss allowance to noncurrent loans | 38.1912% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 6.0087% | 54 |
| Noncurrent loans to loans | 5.5033% | 84 |
| Net loans and leases to total assets | 78.9528% | 1,047 |
| Net loans and leases to deposits | 97.0467% | 930 |
| Net loans and leases to core deposits | 106.8432% | 1,189 |
| Total domestic deposits to total assets | 81.3555% | 3,705 |
| Equity capital to assets | 12.6936% | 1,748 |
| Core capital (leverage) ratio | 12.6950% | 1,442 |
| Tier 1 risk-based capital ratio | 13.5441% | 3,560 |
| Total risk-based capital ratio | 14.8012% | 3,451 |
| Memoranda: | ||
| Average total assets | $715,899,000 | 1,055 |
| Average earning assets | $666,597,000 | 1,049 |
| Average equity | $88,711,670 | 981 |
| Average total loans | $586,245,330 | 929 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0317% | 1,260 |
| Cost of funding earning assets | 0.9778% | 1,662 |
| Net interest margin | 4.0539% | 1,676 |
| Noninterest income to average assets | 0.4244% | 3,015 |
| Noninterest expense to average assets | 2.5882% | 3,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6101% | 876 |
| Return on assets (ROA) | 1.6101% | 909 |
| Pretax return on assets | 1.6101% | 1,442 |
| Return on Equity (ROE) | 13.1549% | 1,168 |
| Retained earnings to average equity (ytd only) | 8.5809% | 1,457 |
| Net charge-offs to loans | 0.0237% | 1,972 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 82.1714% | 759 |
| Efficiency ratio | 61.6482% | 3,587 |
| Assets per employee ($millions) | 6.5630% | 1,204 |
| Cash dividends to net income (ytd only)* | 34.7705% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0010% | 499 |
| Loan loss allowance to noncurrent loans | 36.5046% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 5.9637% | 49 |
| Noncurrent loans to loans | 5.4816% | 92 |
| Net loans and leases to total assets | 80.1950% | 811 |
| Net loans and leases to deposits | 100.5151% | 597 |
| Net loans and leases to core deposits | 110.4239% | 909 |
| Total domestic deposits to total assets | 79.7840% | 4,208 |
| Equity capital to assets | 11.9597% | 2,040 |
| Core capital (leverage) ratio | 12.5000% | 1,513 |
| Tier 1 risk-based capital ratio | 12.8089% | 3,976 |
| Total risk-based capital ratio | 14.0650% | 3,871 |
| Memoranda: | ||
| Average total assets | $714,475,000 | 1,059 |
| Average earning assets | $665,137,000 | 1,053 |
| Average equity | $87,450,000 | 989 |
| Average total loans | $589,541,000 | 933 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 1,226 |
| Cost of funding earning assets | 0.7882% | 1,589 |
| Net interest margin | 4.1337% | 1,576 |
| Noninterest income to average assets | 0.4746% | 2,973 |
| Noninterest expense to average assets | 2.8255% | 2,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.4636% | 1,224 |
| Return on assets (ROA) | 1.4636% | 1,216 |
| Pretax return on assets | 1.4623% | 1,903 |
| Return on Equity (ROE) | 11.6588% | 1,840 |
| Retained earnings to average equity (ytd only) | 7.5574% | 1,434 |
| Net charge-offs to loans | 0.0897% | 1,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 19.9093% | 2,031 |
| Efficiency ratio | 65.8967% | 2,885 |
| Assets per employee ($millions) | 6.0826% | 1,470 |
| Cash dividends to net income (ytd only)* | 35.1785% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1285% | 381 |
| Loan loss allowance to noncurrent loans | 36.5286% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 6.4154% | 43 |
| Noncurrent loans to loans | 5.8268% | 80 |
| Net loans and leases to total assets | 81.4771% | 736 |
| Net loans and leases to deposits | 101.1803% | 656 |
| Net loans and leases to core deposits | 108.3695% | 1,094 |
| Total domestic deposits to total assets | 80.5266% | 3,991 |
| Equity capital to assets | 12.5420% | 1,563 |
| Core capital (leverage) ratio | 12.6162% | 1,405 |
| Tier 1 risk-based capital ratio | 13.0694% | 3,807 |
| Total risk-based capital ratio | 14.3267% | 3,689 |
| Memoranda: | ||
| Average total assets | $660,336,800 | 1,099 |
| Average earning assets | $609,142,200 | 1,101 |
| Average equity | $82,899,000 | 997 |
| Average total loans | $540,656,600 | 967 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8846% | 1,202 |
| Cost of funding earning assets | 0.7445% | 1,606 |
| Net interest margin | 4.1402% | 1,518 |
| Noninterest income to average assets | 0.4831% | 2,961 |
| Noninterest expense to average assets | 2.7472% | 2,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5296% | 1,123 |
| Return on assets (ROA) | 1.5296% | 1,126 |
| Pretax return on assets | 1.5487% | 1,734 |
| Return on Equity (ROE) | 12.1808% | 1,730 |
| Retained earnings to average equity (ytd only) | 8.0382% | 1,631 |
| Net charge-offs to loans | -0.3551% | 5,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9489% | 3,197 |
| Assets per employee ($millions) | 6.0918% | 1,427 |
| Cash dividends to net income (ytd only)* | 34.0091% | 2,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5221% | 234 |
| Loan loss allowance to noncurrent loans | 38.8518% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 7.0776% | 43 |
| Noncurrent loans to loans | 6.4915% | 67 |
| Net loans and leases to total assets | 80.4966% | 948 |
| Net loans and leases to deposits | 100.4329% | 745 |
| Net loans and leases to core deposits | 108.9018% | 1,104 |
| Total domestic deposits to total assets | 80.1497% | 4,080 |
| Equity capital to assets | 12.4559% | 1,621 |
| Core capital (leverage) ratio | 12.8003% | 1,367 |
| Tier 1 risk-based capital ratio | 13.1847% | 3,791 |
| Total risk-based capital ratio | 14.4460% | 3,702 |
| Memoranda: | ||
| Average total assets | $653,587,750 | 1,116 |
| Average earning assets | $601,927,500 | 1,112 |
| Average equity | $82,072,500 | 1,004 |
| Average total loans | $532,771,250 | 978 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9034% | 1,017 |
| Cost of funding earning assets | 0.6998% | 1,623 |
| Net interest margin | 4.2036% | 1,284 |
| Noninterest income to average assets | 0.4647% | 3,063 |
| Noninterest expense to average assets | 2.7663% | 2,777 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5302% | 1,076 |
| Return on assets (ROA) | 1.5302% | 1,078 |
| Pretax return on assets | 1.5624% | 1,629 |
| Return on Equity (ROE) | 12.1517% | 1,672 |
| Retained earnings to average equity (ytd only) | 7.9725% | 1,647 |
| Net charge-offs to loans | -0.6085% | 5,458 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9062% | 3,324 |
| Assets per employee ($millions) | 5.2831% | 2,117 |
| Cash dividends to net income (ytd only)* | 34.3921% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6196% | 218 |
| Loan loss allowance to noncurrent loans | 38.3575% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 7.4605% | 41 |
| Noncurrent loans to loans | 6.8295% | 63 |
| Net loans and leases to total assets | 79.6275% | 1,078 |
| Net loans and leases to deposits | 98.2819% | 950 |
| Net loans and leases to core deposits | 106.2188% | 1,224 |
| Total domestic deposits to total assets | 81.0195% | 3,994 |
| Equity capital to assets | 12.4473% | 1,570 |
| Core capital (leverage) ratio | 12.9323% | 1,252 |
| Tier 1 risk-based capital ratio | 13.1332% | 3,830 |
| Total risk-based capital ratio | 14.3953% | 3,737 |
| Memoranda: | ||
| Average total assets | $646,053,330 | 1,128 |
| Average earning assets | $593,872,000 | 1,129 |
| Average equity | $81,354,670 | 1,010 |
| Average total loans | $524,230,330 | 994 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 2,141 |
| Cost of funding earning assets | 0.6568% | 1,682 |
| Net interest margin | 3.7590% | 2,582 |
| Noninterest income to average assets | 0.5564% | 2,489 |
| Noninterest expense to average assets | 2.8266% | 2,615 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1599% | 2,177 |
| Return on assets (ROA) | 1.1599% | 2,189 |
| Pretax return on assets | 1.1769% | 2,853 |
| Return on Equity (ROE) | 9.1560% | 2,825 |
| Retained earnings to average equity (ytd only) | 4.9378% | 3,213 |
| Net charge-offs to loans | -0.0902% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6030% | 2,404 |
| Assets per employee ($millions) | 5.5826% | 1,864 |
| Cash dividends to net income (ytd only)* | 46.0705% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4721% | 260 |
| Loan loss allowance to noncurrent loans | 34.0183% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 8.1652% | 33 |
| Noncurrent loans to loans | 7.2670% | 62 |
| Net loans and leases to total assets | 79.2224% | 1,048 |
| Net loans and leases to deposits | 99.3599% | 758 |
| Net loans and leases to core deposits | 109.0116% | 1,063 |
| Total domestic deposits to total assets | 79.7328% | 4,456 |
| Equity capital to assets | 12.6956% | 1,385 |
| Core capital (leverage) ratio | 12.8586% | 1,227 |
| Tier 1 risk-based capital ratio | 13.1322% | 3,884 |
| Total risk-based capital ratio | 14.3921% | 3,787 |
| Memoranda: | ||
| Average total assets | $636,246,000 | 1,155 |
| Average earning assets | $583,450,500 | 1,163 |
| Average equity | $80,603,000 | 1,025 |
| Average total loans | $514,188,500 | 1,022 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,109 |
| Cost of funding earning assets | 0.6192% | 1,478 |
| Net interest margin | 3.7522% | 2,595 |
| Noninterest income to average assets | 0.4597% | 3,247 |
| Noninterest expense to average assets | 2.7902% | 2,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0516% | 2,043 |
| Return on assets (ROA) | 1.0551% | 2,063 |
| Pretax return on assets | 1.0551% | 3,362 |
| Return on Equity (ROE) | 8.4918% | 2,551 |
| Retained earnings to average equity (ytd only) | 5.6065% | 1,768 |
| Net charge-offs to loans | -0.0202% | 4,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6277% | 2,136 |
| Assets per employee ($millions) | 5.3905% | 2,062 |
| Cash dividends to net income (ytd only)* | 33.9777% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4763% | 253 |
| Loan loss allowance to noncurrent loans | 33.1753% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 8.3399% | 32 |
| Noncurrent loans to loans | 7.4642% | 50 |
| Net loans and leases to total assets | 78.4103% | 1,229 |
| Net loans and leases to deposits | 98.2068% | 887 |
| Net loans and leases to core deposits | 111.0063% | 952 |
| Total domestic deposits to total assets | 79.8420% | 4,365 |
| Equity capital to assets | 12.6414% | 1,431 |
| Core capital (leverage) ratio | 12.6154% | 1,302 |
| Tier 1 risk-based capital ratio | 13.0236% | 3,890 |
| Total risk-based capital ratio | 14.2835% | 3,786 |
| Memoranda: | ||
| Average total assets | $627,629,000 | 1,148 |
| Average earning assets | $565,718,000 | 1,168 |
| Average equity | $77,980,800 | 1,033 |
| Average total loans | $501,099,200 | 1,022 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 2,318 |
| Cost of funding earning assets | 0.6097% | 1,462 |
| Net interest margin | 3.6715% | 2,858 |
| Noninterest income to average assets | 0.4335% | 3,446 |
| Noninterest expense to average assets | 2.7754% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9545% | 2,754 |
| Return on assets (ROA) | 0.9592% | 2,784 |
| Pretax return on assets | 0.9592% | 3,834 |
| Return on Equity (ROE) | 7.7544% | 3,260 |
| Retained earnings to average equity (ytd only) | 5.1696% | 2,769 |
| Net charge-offs to loans | -0.0265% | 4,953 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4100% | 1,828 |
| Assets per employee ($millions) | 5.7307% | 1,697 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4442% | 283 |
| Loan loss allowance to noncurrent loans | 28.9457% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 10.4069% | 24 |
| Noncurrent loans to loans | 8.4441% | 40 |
| Net loans and leases to total assets | 78.7392% | 1,156 |
| Net loans and leases to deposits | 98.0443% | 910 |
| Net loans and leases to core deposits | 110.5206% | 995 |
| Total domestic deposits to total assets | 80.3098% | 4,254 |
| Equity capital to assets | 12.3518% | 1,744 |
| Core capital (leverage) ratio | 12.4738% | 1,423 |
| Tier 1 risk-based capital ratio | 12.9710% | 4,030 |
| Total risk-based capital ratio | 14.2311% | 3,931 |
| Memoranda: | ||
| Average total assets | $625,517,500 | 1,161 |
| Average earning assets | $561,610,500 | 1,186 |
| Average equity | $77,373,750 | 1,048 |
| Average total loans | $498,521,000 | 1,034 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2373% | 2,334 |
| Cost of funding earning assets | 0.5964% | 1,474 |
| Net interest margin | 3.6409% | 2,873 |
| Noninterest income to average assets | 0.3203% | 4,263 |
| Noninterest expense to average assets | 2.8119% | 2,714 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7670% | 3,559 |
| Return on assets (ROA) | 0.7741% | 3,575 |
| Pretax return on assets | 0.7741% | 4,359 |
| Return on Equity (ROE) | 6.2550% | 3,930 |
| Retained earnings to average equity (ytd only) | 2.3456% | 4,276 |
| Net charge-offs to loans | 0.0398% | 2,406 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 24.2653% | 1,650 |
| Efficiency ratio | 78.5689% | 1,387 |
| Assets per employee ($millions) | 5.5632% | 1,816 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4209% | 312 |
| Loan loss allowance to noncurrent loans | 28.8722% | 4,990 |
| Noncurrent assets plus other real estate owned to assets | 10.4494% | 26 |
| Noncurrent loans to loans | 8.3850% | 42 |
| Net loans and leases to total assets | 78.5308% | 1,160 |
| Net loans and leases to deposits | 100.5142% | 698 |
| Net loans and leases to core deposits | 114.3684% | 783 |
| Total domestic deposits to total assets | 78.1290% | 4,793 |
| Equity capital to assets | 12.0653% | 1,886 |
| Core capital (leverage) ratio | 12.4795% | 1,380 |
| Tier 1 risk-based capital ratio | 12.7423% | 4,156 |
| Total risk-based capital ratio | 14.0023% | 4,057 |
| Memoranda: | ||
| Average total assets | $620,076,000 | 1,175 |
| Average earning assets | $554,974,000 | 1,201 |
| Average equity | $76,738,670 | 1,061 |
| Average total loans | $492,013,670 | 1,043 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2733% | 2,035 |
| Cost of funding earning assets | 0.5881% | 1,455 |
| Net interest margin | 3.6852% | 2,539 |
| Noninterest income to average assets | 0.0151% | 5,788 |
| Noninterest expense to average assets | 2.8632% | 2,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4379% | 4,824 |
| Return on assets (ROA) | 0.4379% | 4,850 |
| Pretax return on assets | 0.4379% | 5,084 |
| Return on Equity (ROE) | 3.4922% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.4922% | 3,690 |
| Net charge-offs to loans | 0.0200% | 2,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 27.8333% | 1,266 |
| Efficiency ratio | 86.7355% | 743 |
| Assets per employee ($millions) | 5.3373% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5566% | 296 |
| Loan loss allowance to noncurrent loans | 28.2493% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 11.0007% | 27 |
| Noncurrent loans to loans | 9.0501% | 42 |
| Net loans and leases to total assets | 77.1923% | 1,245 |
| Net loans and leases to deposits | 96.7908% | 864 |
| Net loans and leases to core deposits | 108.0744% | 975 |
| Total domestic deposits to total assets | 79.7517% | 4,673 |
| Equity capital to assets | 12.4188% | 1,585 |
| Core capital (leverage) ratio | 12.6660% | 1,261 |
| Tier 1 risk-based capital ratio | 13.1625% | 3,985 |
| Total risk-based capital ratio | 14.4236% | 3,886 |
| Memoranda: | ||
| Average total assets | $610,228,500 | 1,191 |
| Average earning assets | $544,121,500 | 1,229 |
| Average equity | $76,513,000 | 1,054 |
| Average total loans | $480,579,500 | 1,062 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2585% | 2,281 |
| Cost of funding earning assets | 0.5984% | 1,342 |
| Net interest margin | 3.6601% | 2,860 |
| Noninterest income to average assets | 0.5914% | 2,704 |
| Noninterest expense to average assets | 2.9724% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8340% | 3,134 |
| Return on assets (ROA) | 0.8383% | 3,226 |
| Pretax return on assets | 0.8383% | 4,054 |
| Return on Equity (ROE) | 6.6663% | 3,656 |
| Retained earnings to average equity (ytd only) | 6.6663% | 1,373 |
| Net charge-offs to loans | 0.2095% | 1,327 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 5.1515% | 3,383 |
| Efficiency ratio | 78.0889% | 1,683 |
| Assets per employee ($millions) | 5.3215% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6690% | 264 |
| Loan loss allowance to noncurrent loans | 28.4186% | 5,110 |
| Noncurrent assets plus other real estate owned to assets | 12.3498% | 23 |
| Noncurrent loans to loans | 9.3917% | 33 |
| Net loans and leases to total assets | 76.1875% | 1,484 |
| Net loans and leases to deposits | 99.0370% | 738 |
| Net loans and leases to core deposits | 104.1137% | 1,271 |
| Total domestic deposits to total assets | 76.9284% | 5,123 |
| Equity capital to assets | 12.6616% | 1,419 |
| Core capital (leverage) ratio | 12.9462% | 1,150 |
| Tier 1 risk-based capital ratio | 13.3058% | 3,890 |
| Total risk-based capital ratio | 14.5673% | 3,794 |
| Memoranda: | ||
| Average total assets | $591,106,600 | 1,186 |
| Average earning assets | $519,225,200 | 1,237 |
| Average equity | $74,328,800 | 1,069 |
| Average total loans | $456,753,600 | 1,071 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,010 |
| Cost of funding earning assets | 0.6003% | 1,328 |
| Net interest margin | 3.7465% | 2,531 |
| Noninterest income to average assets | 0.4549% | 3,523 |
| Noninterest expense to average assets | 3.0461% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6896% | 3,907 |
| Return on assets (ROA) | 0.6953% | 4,008 |
| Pretax return on assets | 0.6989% | 4,611 |
| Return on Equity (ROE) | 5.5388% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.5388% | 2,462 |
| Net charge-offs to loans | 0.0521% | 2,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 17.2884% | 2,059 |
| Efficiency ratio | 81.4613% | 1,253 |
| Assets per employee ($millions) | 5.1289% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9470% | 202 |
| Loan loss allowance to noncurrent loans | 35.0781% | 5,081 |
| Noncurrent assets plus other real estate owned to assets | 12.0782% | 29 |
| Noncurrent loans to loans | 8.4014% | 54 |
| Net loans and leases to total assets | 75.1535% | 1,677 |
| Net loans and leases to deposits | 97.2663% | 928 |
| Net loans and leases to core deposits | 100.5340% | 1,581 |
| Total domestic deposits to total assets | 77.2657% | 5,035 |
| Equity capital to assets | 12.8805% | 1,556 |
| Core capital (leverage) ratio | 12.7746% | 1,281 |
| Tier 1 risk-based capital ratio | 13.4534% | 3,888 |
| Total risk-based capital ratio | 14.7177% | 3,789 |
| Memoranda: | ||
| Average total assets | $588,550,250 | 1,183 |
| Average earning assets | $515,956,750 | 1,243 |
| Average equity | $73,876,500 | 1,080 |
| Average total loans | $453,266,250 | 1,072 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 1,814 |
| Cost of funding earning assets | 0.6028% | 1,291 |
| Net interest margin | 3.8028% | 2,308 |
| Noninterest income to average assets | 0.6938% | 2,171 |
| Noninterest expense to average assets | 3.0578% | 2,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9623% | 2,564 |
| Return on assets (ROA) | 0.9623% | 2,711 |
| Pretax return on assets | 0.9623% | 3,734 |
| Return on Equity (ROE) | 7.7331% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.7331% | 1,277 |
| Net charge-offs to loans | 0.1067% | 1,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.7273% | 2,235 |
| Efficiency ratio | 76.0628% | 2,070 |
| Assets per employee ($millions) | 5.1810% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9090% | 218 |
| Loan loss allowance to noncurrent loans | 35.6208% | 5,161 |
| Noncurrent assets plus other real estate owned to assets | 12.1745% | 31 |
| Noncurrent loans to loans | 8.1666% | 62 |
| Net loans and leases to total assets | 75.0321% | 1,642 |
| Net loans and leases to deposits | 97.2469% | 947 |
| Net loans and leases to core deposits | 100.7592% | 1,581 |
| Total domestic deposits to total assets | 77.1562% | 5,139 |
| Equity capital to assets | 12.7480% | 1,638 |
| Core capital (leverage) ratio | 12.6963% | 1,268 |
| Tier 1 risk-based capital ratio | 13.2394% | 4,051 |
| Total risk-based capital ratio | 14.5033% | 3,962 |
| Memoranda: | ||
| Average total assets | $589,837,000 | 1,191 |
| Average earning assets | $515,937,000 | 1,246 |
| Average equity | $73,398,330 | 1,086 |
| Average total loans | $453,435,670 | 1,073 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4101% | 1,774 |
| Cost of funding earning assets | 0.6068% | 1,297 |
| Net interest margin | 3.8033% | 2,274 |
| Noninterest income to average assets | 0.6508% | 2,264 |
| Noninterest expense to average assets | 3.1359% | 2,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8313% | 3,089 |
| Return on assets (ROA) | 0.8313% | 3,218 |
| Pretax return on assets | 0.8327% | 4,092 |
| Return on Equity (ROE) | 6.7632% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.7632% | 2,001 |
| Net charge-offs to loans | 0.1416% | 1,259 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 7.6688% | 2,130 |
| Efficiency ratio | 79.0185% | 1,744 |
| Assets per employee ($millions) | 5.1788% | 2,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0067% | 221 |
| Loan loss allowance to noncurrent loans | 41.0597% | 5,058 |
| Noncurrent assets plus other real estate owned to assets | 11.6377% | 38 |
| Noncurrent loans to loans | 7.3227% | 88 |
| Net loans and leases to total assets | 74.3047% | 1,685 |
| Net loans and leases to deposits | 94.6142% | 1,084 |
| Net loans and leases to core deposits | 97.9331% | 1,643 |
| Total domestic deposits to total assets | 78.5344% | 5,054 |
| Equity capital to assets | 12.6518% | 1,586 |
| Core capital (leverage) ratio | 12.2964% | 1,436 |
| Tier 1 risk-based capital ratio | 13.2753% | 4,109 |
| Total risk-based capital ratio | 14.5400% | 4,027 |
| Memoranda: | ||
| Average total assets | $589,438,500 | 1,197 |
| Average earning assets | $514,179,000 | 1,253 |
| Average equity | $72,450,500 | 1,093 |
| Average total loans | $451,932,000 | 1,073 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 2,193 |
| Cost of funding earning assets | 0.6381% | 1,136 |
| Net interest margin | 3.6729% | 2,858 |
| Noninterest income to average assets | 0.5095% | 3,257 |
| Noninterest expense to average assets | 2.9731% | 2,634 |
| Loan and lease loss provision to assets | 0.6463% | 156 |
| Net operating income to assets | 0.1158% | 5,736 |
| Return on assets (ROA) | 0.1444% | 5,742 |
| Pretax return on assets | 0.1427% | 5,763 |
| Return on Equity (ROE) | 1.2369% | 5,731 |
| Retained earnings to average equity (ytd only) | 1.2369% | 5,010 |
| Net charge-offs to loans | 1.1955% | 147 |
| Credit loss provision to net charge-offs | 71.3538% | 3,104 |
| Earnings coverage of net charge-offs (x) | 0.8395% | 4,171 |
| Efficiency ratio | 79.6278% | 1,721 |
| Assets per employee ($millions) | 4.9905% | 2,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9422% | 238 |
| Loan loss allowance to noncurrent loans | 44.5162% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 11.4921% | 42 |
| Noncurrent loans to loans | 6.6093% | 120 |
| Net loans and leases to total assets | 74.4755% | 1,648 |
| Net loans and leases to deposits | 96.3254% | 979 |
| Net loans and leases to core deposits | 97.7042% | 1,695 |
| Total domestic deposits to total assets | 77.3166% | 5,272 |
| Equity capital to assets | 11.9424% | 2,000 |
| Core capital (leverage) ratio | 11.8958% | 1,684 |
| Tier 1 risk-based capital ratio | 12.8397% | 4,426 |
| Total risk-based capital ratio | 14.1043% | 4,313 |
| Memoranda: | ||
| Average total assets | $611,618,000 | 1,115 |
| Average earning assets | $536,877,200 | 1,172 |
| Average equity | $71,387,200 | 1,065 |
| Average total loans | $463,393,600 | 995 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 2,191 |
| Cost of funding earning assets | 0.6415% | 1,142 |
| Net interest margin | 3.6696% | 2,887 |
| Noninterest income to average assets | 0.5996% | 2,738 |
| Noninterest expense to average assets | 2.9322% | 2,734 |
| Loan and lease loss provision to assets | 0.7228% | 112 |
| Net operating income to assets | 0.1625% | 5,747 |
| Return on assets (ROA) | 0.1965% | 5,745 |
| Pretax return on assets | 0.2052% | 5,782 |
| Return on Equity (ROE) | 1.6929% | 5,731 |
| Retained earnings to average equity (ytd only) | 1.6929% | 5,020 |
| Net charge-offs to loans | 0.3796% | 681 |
| Credit loss provision to net charge-offs | 252.1180% | 1,129 |
| Earnings coverage of net charge-offs (x) | 3.1135% | 3,553 |
| Efficiency ratio | 76.6570% | 2,134 |
| Assets per employee ($millions) | 5.0581% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6959% | 117 |
| Loan loss allowance to noncurrent loans | 44.9280% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 12.3043% | 38 |
| Noncurrent loans to loans | 8.2262% | 64 |
| Net loans and leases to total assets | 74.1050% | 1,718 |
| Net loans and leases to deposits | 96.2653% | 978 |
| Net loans and leases to core deposits | 97.8060% | 1,714 |
| Total domestic deposits to total assets | 76.9800% | 5,339 |
| Equity capital to assets | 11.9775% | 2,124 |
| Core capital (leverage) ratio | 11.9114% | 1,731 |
| Tier 1 risk-based capital ratio | 12.8218% | 4,535 |
| Total risk-based capital ratio | 14.0943% | 4,441 |
| Memoranda: | ||
| Average total assets | $614,808,250 | 1,116 |
| Average earning assets | $540,349,500 | 1,173 |
| Average equity | $71,354,500 | 1,073 |
| Average total loans | $464,361,500 | 1,000 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2730% | 2,268 |
| Cost of funding earning assets | 0.6443% | 1,135 |
| Net interest margin | 3.6286% | 2,978 |
| Noninterest income to average assets | 0.6506% | 2,475 |
| Noninterest expense to average assets | 2.9678% | 2,660 |
| Loan and lease loss provision to assets | 0.7795% | 103 |
| Net operating income to assets | 0.0903% | 5,885 |
| Return on assets (ROA) | 0.1425% | 5,867 |
| Pretax return on assets | 0.1434% | 5,890 |
| Return on Equity (ROE) | 1.2404% | 5,853 |
| Retained earnings to average equity (ytd only) | 1.2404% | 5,061 |
| Net charge-offs to loans | 0.4062% | 641 |
| Credit loss provision to net charge-offs | 255.6144% | 1,036 |
| Earnings coverage of net charge-offs (x) | 2.8538% | 3,282 |
| Efficiency ratio | 77.3167% | 2,157 |
| Assets per employee ($millions) | 4.9097% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6059% | 149 |
| Loan loss allowance to noncurrent loans | 41.9253% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 12.4854% | 43 |
| Noncurrent loans to loans | 8.6007% | 70 |
| Net loans and leases to total assets | 73.3767% | 1,759 |
| Net loans and leases to deposits | 94.5668% | 1,095 |
| Net loans and leases to core deposits | 96.2085% | 1,777 |
| Total domestic deposits to total assets | 77.5924% | 5,361 |
| Equity capital to assets | 11.7690% | 2,186 |
| Core capital (leverage) ratio | 11.6897% | 1,847 |
| Tier 1 risk-based capital ratio | 12.7618% | 4,648 |
| Total risk-based capital ratio | 14.0333% | 4,548 |
| Memoranda: | ||
| Average total assets | $619,107,330 | 1,115 |
| Average earning assets | $543,839,330 | 1,162 |
| Average equity | $71,108,000 | 1,079 |
| Average total loans | $464,760,670 | 996 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3732% | 1,859 |
| Cost of funding earning assets | 0.6423% | 1,168 |
| Net interest margin | 3.7309% | 2,507 |
| Noninterest income to average assets | 0.4557% | 3,599 |
| Noninterest expense to average assets | 2.7860% | 3,294 |
| Loan and lease loss provision to assets | 0.7659% | 110 |
| Net operating income to assets | 0.1789% | 5,727 |
| Return on assets (ROA) | 0.2808% | 5,575 |
| Pretax return on assets | 0.2853% | 5,676 |
| Return on Equity (ROE) | 2.4745% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.4745% | 4,449 |
| Net charge-offs to loans | 0.1909% | 1,167 |
| Credit loss provision to net charge-offs | 538.1166% | 508 |
| Earnings coverage of net charge-offs (x) | 6.6547% | 2,261 |
| Efficiency ratio | 74.6110% | 2,715 |
| Assets per employee ($millions) | 5.1844% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4590% | 188 |
| Loan loss allowance to noncurrent loans | 39.5039% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 12.7009% | 47 |
| Noncurrent loans to loans | 8.7561% | 80 |
| Net loans and leases to total assets | 73.3795% | 1,586 |
| Net loans and leases to deposits | 94.4473% | 939 |
| Net loans and leases to core deposits | 96.0586% | 1,609 |
| Total domestic deposits to total assets | 77.6936% | 5,507 |
| Equity capital to assets | 11.6851% | 2,308 |
| Core capital (leverage) ratio | 11.4636% | 2,030 |
| Tier 1 risk-based capital ratio | 12.5914% | 4,841 |
| Total risk-based capital ratio | 13.8611% | 4,753 |
| Memoranda: | ||
| Average total assets | $626,711,500 | 1,106 |
| Average earning assets | $550,538,500 | 1,146 |
| Average equity | $71,125,500 | 1,082 |
| Average total loans | $467,292,500 | 991 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4275% | 2,134 |
| Cost of funding earning assets | 0.6875% | 1,165 |
| Net interest margin | 3.7400% | 2,848 |
| Noninterest income to average assets | 0.3313% | 4,741 |
| Noninterest expense to average assets | 2.6500% | 4,053 |
| Loan and lease loss provision to assets | 0.8098% | 151 |
| Net operating income to assets | 0.1412% | 5,893 |
| Return on assets (ROA) | 0.1456% | 5,929 |
| Pretax return on assets | 0.1481% | 5,939 |
| Return on Equity (ROE) | 1.3982% | 5,912 |
| Retained earnings to average equity (ytd only) | 1.3982% | 5,141 |
| Net charge-offs to loans | 1.4406% | 172 |
| Credit loss provision to net charge-offs | 74.3902% | 2,976 |
| Earnings coverage of net charge-offs (x) | 0.8759% | 4,544 |
| Efficiency ratio | 73.5213% | 2,922 |
| Assets per employee ($millions) | 5.3030% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2170% | 237 |
| Loan loss allowance to noncurrent loans | 34.8352% | 5,518 |
| Noncurrent assets plus other real estate owned to assets | 12.7937% | 50 |
| Noncurrent loans to loans | 9.2350% | 80 |
| Net loans and leases to total assets | 70.8296% | 2,104 |
| Net loans and leases to deposits | 88.8206% | 1,635 |
| Net loans and leases to core deposits | 90.2317% | 2,255 |
| Total domestic deposits to total assets | 79.7446% | 5,079 |
| Equity capital to assets | 11.0286% | 2,863 |
| Core capital (leverage) ratio | 10.8490% | 2,557 |
| Tier 1 risk-based capital ratio | 13.3413% | 4,519 |
| Total risk-based capital ratio | 14.6112% | 4,431 |
| Memoranda: | ||
| Average total assets | $670,442,400 | 994 |
| Average earning assets | $586,577,600 | 1,044 |
| Average equity | $69,802,400 | 1,055 |
| Average total loans | $506,583,000 | 882 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4033% | 2,207 |
| Cost of funding earning assets | 0.6962% | 1,166 |
| Net interest margin | 3.7071% | 2,997 |
| Noninterest income to average assets | 0.3030% | 5,018 |
| Noninterest expense to average assets | 2.6710% | 3,939 |
| Loan and lease loss provision to assets | 0.8268% | 146 |
| Net operating income to assets | 0.0424% | 6,098 |
| Return on assets (ROA) | 0.0480% | 6,118 |
| Pretax return on assets | 0.0506% | 6,112 |
| Return on Equity (ROE) | 0.4677% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.4677% | 5,677 |
| Net charge-offs to loans | 1.3960% | 181 |
| Credit loss provision to net charge-offs | 77.8004% | 2,638 |
| Earnings coverage of net charge-offs (x) | 0.8200% | 4,311 |
| Efficiency ratio | 75.3777% | 2,601 |
| Assets per employee ($millions) | 5.2323% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1433% | 311 |
| Loan loss allowance to noncurrent loans | 30.2630% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 13.9885% | 45 |
| Noncurrent loans to loans | 10.3866% | 70 |
| Net loans and leases to total assets | 74.9304% | 1,373 |
| Net loans and leases to deposits | 93.7657% | 1,063 |
| Net loans and leases to core deposits | 95.6267% | 1,709 |
| Total domestic deposits to total assets | 79.9124% | 5,121 |
| Equity capital to assets | 10.7711% | 3,216 |
| Core capital (leverage) ratio | 10.6929% | 2,824 |
| Tier 1 risk-based capital ratio | 12.6291% | 5,077 |
| Total risk-based capital ratio | 13.8990% | 4,982 |
| Memoranda: | ||
| Average total assets | $677,637,750 | 998 |
| Average earning assets | $592,152,500 | 1,045 |
| Average equity | $69,561,500 | 1,061 |
| Average total loans | $515,830,500 | 865 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4176% | 2,120 |
| Cost of funding earning assets | 0.7110% | 1,133 |
| Net interest margin | 3.7066% | 2,938 |
| Noninterest income to average assets | 0.3236% | 4,825 |
| Noninterest expense to average assets | 2.6351% | 4,115 |
| Loan and lease loss provision to assets | 0.8658% | 134 |
| Net operating income to assets | 0.0504% | 6,134 |
| Return on assets (ROA) | 0.0588% | 6,138 |
| Pretax return on assets | 0.0614% | 6,133 |
| Return on Equity (ROE) | 0.5817% | 6,133 |
| Retained earnings to average equity (ytd only) | 0.5817% | 5,506 |
| Net charge-offs to loans | 1.5209% | 183 |
| Credit loss provision to net charge-offs | 75.1642% | 2,385 |
| Earnings coverage of net charge-offs (x) | 0.7974% | 3,969 |
| Efficiency ratio | 74.1299% | 2,957 |
| Assets per employee ($millions) | 5.0101% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1287% | 328 |
| Loan loss allowance to noncurrent loans | 30.1544% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 14.0879% | 43 |
| Noncurrent loans to loans | 10.3757% | 73 |
| Net loans and leases to total assets | 75.4461% | 1,243 |
| Net loans and leases to deposits | 94.0346% | 955 |
| Net loans and leases to core deposits | 95.8694% | 1,613 |
| Total domestic deposits to total assets | 80.2323% | 5,189 |
| Equity capital to assets | 10.6496% | 3,259 |
| Core capital (leverage) ratio | 10.5441% | 2,890 |
| Tier 1 risk-based capital ratio | 12.4819% | 5,239 |
| Total risk-based capital ratio | 13.7516% | 5,152 |
| Memoranda: | ||
| Average total assets | $687,250,670 | 981 |
| Average earning assets | $598,880,670 | 1,033 |
| Average equity | $69,454,330 | 1,050 |
| Average total loans | $520,465,670 | 846 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 2,014 |
| Cost of funding earning assets | 0.7407% | 1,007 |
| Net interest margin | 3.6913% | 2,896 |
| Noninterest income to average assets | 0.3956% | 4,221 |
| Noninterest expense to average assets | 2.5848% | 4,327 |
| Loan and lease loss provision to assets | 0.8419% | 138 |
| Net operating income to assets | 0.1742% | 5,869 |
| Return on assets (ROA) | 0.1742% | 5,914 |
| Pretax return on assets | 0.1770% | 5,959 |
| Return on Equity (ROE) | 1.7679% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.7679% | 4,895 |
| Net charge-offs to loans | 0.6193% | 597 |
| Credit loss provision to net charge-offs | 181.9188% | 1,114 |
| Earnings coverage of net charge-offs (x) | 2.2017% | 2,930 |
| Efficiency ratio | 71.7106% | 3,541 |
| Assets per employee ($millions) | 5.4260% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3931% | 292 |
| Loan loss allowance to noncurrent loans | 32.8780% | 5,776 |
| Noncurrent assets plus other real estate owned to assets | 14.0121% | 51 |
| Noncurrent loans to loans | 10.3204% | 93 |
| Net loans and leases to total assets | 73.4687% | 1,356 |
| Net loans and leases to deposits | 92.3416% | 926 |
| Net loans and leases to core deposits | 94.1253% | 1,542 |
| Total domestic deposits to total assets | 79.5619% | 5,579 |
| Equity capital to assets | 10.1773% | 3,624 |
| Core capital (leverage) ratio | 9.9182% | 3,680 |
| Tier 1 risk-based capital ratio | 12.1463% | 5,543 |
| Total risk-based capital ratio | 13.4187% | 5,456 |
| Memoranda: | ||
| Average total assets | $702,712,500 | 967 |
| Average earning assets | $610,737,000 | 1,023 |
| Average equity | $69,233,500 | 1,052 |
| Average total loans | $525,115,500 | 834 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3183% | 2,888 |
| Cost of funding earning assets | 0.9452% | 592 |
| Net interest margin | 3.3731% | 4,393 |
| Noninterest income to average assets | 0.3165% | 5,071 |
| Noninterest expense to average assets | 2.3622% | 5,197 |
| Loan and lease loss provision to assets | 0.8811% | 223 |
| Net operating income to assets | 0.0697% | 6,099 |
| Return on assets (ROA) | 0.0697% | 6,146 |
| Pretax return on assets | 0.0685% | 6,131 |
| Return on Equity (ROE) | 0.7832% | 6,117 |
| Retained earnings to average equity (ytd only) | 0.4616% | 5,637 |
| Net charge-offs to loans | 1.6283% | 279 |
| Credit loss provision to net charge-offs | 73.8727% | 3,204 |
| Earnings coverage of net charge-offs (x) | 0.7962% | 4,821 |
| Efficiency ratio | 71.3068% | 3,609 |
| Assets per employee ($millions) | 5.8205% | 1,390 |
| Cash dividends to net income (ytd only)* | 41.0584% | 2,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2012% | 370 |
| Loan loss allowance to noncurrent loans | 40.2552% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 11.9092% | 84 |
| Noncurrent loans to loans | 7.9523% | 194 |
| Net loans and leases to total assets | 71.1223% | 1,819 |
| Net loans and leases to deposits | 90.6474% | 1,182 |
| Net loans and leases to core deposits | 92.3405% | 1,761 |
| Total domestic deposits to total assets | 78.4604% | 5,748 |
| Equity capital to assets | 9.5445% | 4,357 |
| Core capital (leverage) ratio | 9.4515% | 4,335 |
| Tier 1 risk-based capital ratio | 11.9571% | 5,640 |
| Total risk-based capital ratio | 13.2277% | 5,565 |
| Memoranda: | ||
| Average total assets | $786,527,800 | 851 |
| Average earning assets | $698,445,200 | 867 |
| Average equity | $69,968,600 | 1,023 |
| Average total loans | $576,119,200 | 728 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 2,137 |
| Cost of funding earning assets | 0.9686% | 577 |
| Net interest margin | 3.5567% | 3,628 |
| Noninterest income to average assets | 0.2880% | 5,389 |
| Noninterest expense to average assets | 2.3428% | 5,205 |
| Loan and lease loss provision to assets | 0.8551% | 213 |
| Net operating income to assets | 0.2638% | 5,740 |
| Return on assets (ROA) | 0.2638% | 5,842 |
| Pretax return on assets | 0.2618% | 5,949 |
| Return on Equity (ROE) | 3.0144% | 5,599 |
| Retained earnings to average equity (ytd only) | 3.0144% | 4,517 |
| Net charge-offs to loans | 1.9710% | 196 |
| Credit loss provision to net charge-offs | 59.2678% | 3,320 |
| Earnings coverage of net charge-offs (x) | 0.7741% | 4,595 |
| Efficiency ratio | 67.6989% | 4,146 |
| Assets per employee ($millions) | 5.9425% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8710% | 632 |
| Loan loss allowance to noncurrent loans | 87.1872% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 8.3341% | 212 |
| Noncurrent loans to loans | 3.2929% | 1,182 |
| Net loans and leases to total assets | 72.3657% | 1,550 |
| Net loans and leases to deposits | 96.0571% | 682 |
| Net loans and leases to core deposits | 98.0619% | 1,239 |
| Total domestic deposits to total assets | 75.3362% | 6,243 |
| Equity capital to assets | 9.5225% | 4,523 |
| Core capital (leverage) ratio | 9.2912% | 4,705 |
| Tier 1 risk-based capital ratio | 11.8256% | 5,888 |
| Total risk-based capital ratio | 13.0930% | 5,830 |
| Memoranda: | ||
| Average total assets | $802,723,500 | 833 |
| Average earning assets | $715,816,500 | 855 |
| Average equity | $70,239,000 | 1,020 |
| Average total loans | $587,574,500 | 712 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,485 |
| Cost of funding earning assets | 0.9796% | 600 |
| Net interest margin | 3.4423% | 4,032 |
| Noninterest income to average assets | 0.3394% | 4,961 |
| Noninterest expense to average assets | 2.3195% | 5,300 |
| Loan and lease loss provision to assets | 0.7317% | 303 |
| Net operating income to assets | 0.3841% | 5,270 |
| Return on assets (ROA) | 0.3841% | 5,438 |
| Pretax return on assets | 0.3790% | 5,683 |
| Return on Equity (ROE) | 4.5095% | 4,997 |
| Retained earnings to average equity (ytd only) | 4.5095% | 3,399 |
| Net charge-offs to loans | 1.8946% | 240 |
| Credit loss provision to net charge-offs | 53.0490% | 3,159 |
| Earnings coverage of net charge-offs (x) | 0.8053% | 4,257 |
| Efficiency ratio | 67.5974% | 4,247 |
| Assets per employee ($millions) | 5.9629% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8717% | 657 |
| Loan loss allowance to noncurrent loans | 60.3702% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 8.7294% | 202 |
| Noncurrent loans to loans | 4.7568% | 701 |
| Net loans and leases to total assets | 72.0325% | 1,573 |
| Net loans and leases to deposits | 94.2524% | 794 |
| Net loans and leases to core deposits | 96.1615% | 1,342 |
| Total domestic deposits to total assets | 76.4250% | 6,205 |
| Equity capital to assets | 8.9756% | 5,244 |
| Core capital (leverage) ratio | 8.9356% | 5,096 |
| Tier 1 risk-based capital ratio | 11.3254% | 6,188 |
| Total risk-based capital ratio | 12.5931% | 6,148 |
| Memoranda: | ||
| Average total assets | $822,692,330 | 809 |
| Average earning assets | $738,696,000 | 822 |
| Average equity | $70,073,670 | 1,032 |
| Average total loans | $598,954,670 | 695 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,730 |
| Cost of funding earning assets | 0.9834% | 671 |
| Net interest margin | 3.3544% | 4,295 |
| Noninterest income to average assets | 0.3403% | 4,972 |
| Noninterest expense to average assets | 2.2601% | 5,540 |
| Loan and lease loss provision to assets | 0.7205% | 325 |
| Net operating income to assets | 0.3774% | 5,223 |
| Return on assets (ROA) | 0.3774% | 5,361 |
| Pretax return on assets | 0.3841% | 5,615 |
| Return on Equity (ROE) | 4.5453% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.5453% | 3,509 |
| Net charge-offs to loans | 3.0401% | 112 |
| Credit loss provision to net charge-offs | 32.8416% | 2,851 |
| Earnings coverage of net charge-offs (x) | 0.5035% | 3,652 |
| Efficiency ratio | 67.1570% | 4,465 |
| Assets per employee ($millions) | 6.4235% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7196% | 895 |
| Loan loss allowance to noncurrent loans | 56.5674% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 7.8253% | 324 |
| Noncurrent loans to loans | 4.8077% | 813 |
| Net loans and leases to total assets | 72.7532% | 1,237 |
| Net loans and leases to deposits | 94.5124% | 639 |
| Net loans and leases to core deposits | 99.5818% | 975 |
| Total domestic deposits to total assets | 76.9774% | 6,254 |
| Equity capital to assets | 8.7361% | 5,777 |
| Core capital (leverage) ratio | 8.5354% | 5,539 |
| Tier 1 risk-based capital ratio | 11.0235% | 6,394 |
| Total risk-based capital ratio | 12.2898% | 6,363 |
| Memoranda: | ||
| Average total assets | $840,489,500 | 797 |
| Average earning assets | $757,813,500 | 808 |
| Average equity | $69,787,000 | 1,043 |
| Average total loans | $606,567,500 | 686 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7628% | 2,349 |
| Cost of funding earning assets | 1.0809% | 980 |
| Net interest margin | 3.6818% | 3,732 |
| Noninterest income to average assets | 0.4453% | 4,279 |
| Noninterest expense to average assets | 2.1405% | 6,048 |
| Loan and lease loss provision to assets | 2.7018% | 51 |
| Net operating income to assets | -1.0435% | 6,757 |
| Return on assets (ROA) | -1.0435% | 6,775 |
| Pretax return on assets | -1.0357% | 6,743 |
| Return on Equity (ROE) | -11.3514% | 6,754 |
| Retained earnings to average equity (ytd only) | -13.7738% | 6,747 |
| Net charge-offs to loans | 2.9971% | 169 |
| Credit loss provision to net charge-offs | 115.1276% | 2,518 |
| Earnings coverage of net charge-offs (x) | 0.7100% | 5,127 |
| Efficiency ratio | 56.2143% | 6,036 |
| Assets per employee ($millions) | 6.9686% | 780 |
| Cash dividends to net income (ytd only)* | -21.3402% | 7,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1710% | 573 |
| Loan loss allowance to noncurrent loans | 70.2909% | 4,249 |
| Noncurrent assets plus other real estate owned to assets | 7.1370% | 429 |
| Noncurrent loans to loans | 4.5113% | 943 |
| Net loans and leases to total assets | 67.5611% | 2,271 |
| Net loans and leases to deposits | 88.0810% | 1,263 |
| Net loans and leases to core deposits | 95.5921% | 1,341 |
| Total domestic deposits to total assets | 76.7034% | 6,260 |
| Equity capital to assets | 7.9073% | 6,453 |
| Core capital (leverage) ratio | 8.0415% | 6,154 |
| Tier 1 risk-based capital ratio | 10.5587% | 6,531 |
| Total risk-based capital ratio | 11.8300% | 6,493 |
| Memoranda: | ||
| Average total assets | $836,575,600 | 783 |
| Average earning assets | $763,781,400 | 781 |
| Average equity | $76,907,000 | 918 |
| Average total loans | $655,059,600 | 630 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 2,285 |
| Cost of funding earning assets | 1.1021% | 1,059 |
| Net interest margin | 3.7253% | 3,677 |
| Noninterest income to average assets | 0.4291% | 4,417 |
| Noninterest expense to average assets | 2.1515% | 6,063 |
| Loan and lease loss provision to assets | 2.3228% | 76 |
| Net operating income to assets | -0.6428% | 6,754 |
| Return on assets (ROA) | -0.6428% | 6,781 |
| Pretax return on assets | -0.6339% | 6,754 |
| Return on Equity (ROE) | -6.7413% | 6,780 |
| Retained earnings to average equity (ytd only) | -9.8944% | 6,809 |
| Net charge-offs to loans | 2.0777% | 334 |
| Credit loss provision to net charge-offs | 138.7641% | 2,080 |
| Earnings coverage of net charge-offs (x) | 1.0090% | 4,814 |
| Efficiency ratio | 56.0047% | 6,058 |
| Assets per employee ($millions) | 7.2301% | 657 |
| Cash dividends to net income (ytd only)* | -46.7739% | 7,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1260% | 641 |
| Loan loss allowance to noncurrent loans | 32.2458% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 9.2000% | 293 |
| Noncurrent loans to loans | 9.6944% | 265 |
| Net loans and leases to total assets | 74.3831% | 1,191 |
| Net loans and leases to deposits | 98.6597% | 511 |
| Net loans and leases to core deposits | 113.5356% | 445 |
| Total domestic deposits to total assets | 75.3936% | 6,468 |
| Equity capital to assets | 8.6991% | 6,103 |
| Core capital (leverage) ratio | 8.7915% | 5,362 |
| Tier 1 risk-based capital ratio | 10.9182% | 6,513 |
| Total risk-based capital ratio | 12.1901% | 6,484 |
| Memoranda: | ||
| Average total assets | $826,209,000 | 801 |
| Average earning assets | $756,574,250 | 795 |
| Average equity | $78,776,500 | 897 |
| Average total loans | $665,664,000 | 626 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 2,014 |
| Cost of funding earning assets | 1.1310% | 1,089 |
| Net interest margin | 3.7921% | 3,399 |
| Noninterest income to average assets | 0.3561% | 4,982 |
| Noninterest expense to average assets | 2.1429% | 6,145 |
| Loan and lease loss provision to assets | 1.2396% | 330 |
| Net operating income to assets | 0.4324% | 5,109 |
| Return on assets (ROA) | 0.4324% | 5,333 |
| Pretax return on assets | 0.4405% | 5,599 |
| Return on Equity (ROE) | 4.4012% | 5,092 |
| Retained earnings to average equity (ytd only) | 1.4870% | 5,458 |
| Net charge-offs to loans | 1.2971% | 821 |
| Credit loss provision to net charge-offs | 116.7051% | 2,360 |
| Earnings coverage of net charge-offs (x) | 1.5818% | 4,205 |
| Efficiency ratio | 56.0335% | 6,110 |
| Assets per employee ($millions) | 6.7945% | 819 |
| Cash dividends to net income (ytd only)* | 66.2139% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6333% | 1,113 |
| Loan loss allowance to noncurrent loans | 33.0379% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 8.1810% | 414 |
| Noncurrent loans to loans | 7.9706% | 437 |
| Net loans and leases to total assets | 79.9175% | 520 |
| Net loans and leases to deposits | 106.2131% | 226 |
| Net loans and leases to core deposits | 123.9815% | 258 |
| Total domestic deposits to total assets | 75.2427% | 6,562 |
| Equity capital to assets | 10.1316% | 4,148 |
| Core capital (leverage) ratio | 10.1456% | 3,206 |
| Tier 1 risk-based capital ratio | 12.1912% | 5,801 |
| Total risk-based capital ratio | 13.4579% | 5,772 |
| Memoranda: | ||
| Average total assets | $817,226,670 | 813 |
| Average earning assets | $747,125,000 | 805 |
| Average equity | $80,296,330 | 863 |
| Average total loans | $669,191,330 | 622 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9569% | 2,049 |
| Cost of funding earning assets | 1.1481% | 1,183 |
| Net interest margin | 3.8088% | 3,355 |
| Noninterest income to average assets | 0.2892% | 5,558 |
| Noninterest expense to average assets | 2.0822% | 6,303 |
| Loan and lease loss provision to assets | 1.2231% | 307 |
| Net operating income to assets | 0.4423% | 5,069 |
| Return on assets (ROA) | 0.4423% | 5,258 |
| Pretax return on assets | 0.4505% | 5,580 |
| Return on Equity (ROE) | 4.5701% | 5,004 |
| Retained earnings to average equity (ytd only) | 2.0755% | 5,230 |
| Net charge-offs to loans | 1.4139% | 708 |
| Credit loss provision to net charge-offs | 105.7620% | 2,186 |
| Earnings coverage of net charge-offs (x) | 1.4472% | 3,605 |
| Efficiency ratio | 55.4256% | 6,191 |
| Assets per employee ($millions) | 7.1075% | 716 |
| Cash dividends to net income (ytd only)* | 54.5852% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4624% | 1,410 |
| Loan loss allowance to noncurrent loans | 29.7679% | 6,190 |
| Noncurrent assets plus other real estate owned to assets | 8.6068% | 426 |
| Noncurrent loans to loans | 8.2721% | 455 |
| Net loans and leases to total assets | 81.1272% | 331 |
| Net loans and leases to deposits | 107.0212% | 185 |
| Net loans and leases to core deposits | 124.5622% | 245 |
| Total domestic deposits to total assets | 75.8047% | 6,570 |
| Equity capital to assets | 9.9195% | 4,230 |
| Core capital (leverage) ratio | 9.8379% | 3,583 |
| Tier 1 risk-based capital ratio | 11.7057% | 6,154 |
| Total risk-based capital ratio | 12.9702% | 6,129 |
| Memoranda: | ||
| Average total assets | $828,364,000 | 802 |
| Average earning assets | $753,941,000 | 801 |
| Average equity | $80,174,000 | 865 |
| Average total loans | $677,543,000 | 614 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3580% | 1,539 |
| Cost of funding earning assets | 1.3771% | 1,133 |
| Net interest margin | 3.9809% | 2,978 |
| Noninterest income to average assets | 0.2757% | 5,562 |
| Noninterest expense to average assets | 2.0780% | 6,533 |
| Loan and lease loss provision to assets | 1.6375% | 427 |
| Net operating income to assets | 0.1827% | 5,639 |
| Return on assets (ROA) | 0.1826% | 5,775 |
| Pretax return on assets | 0.1914% | 5,807 |
| Return on Equity (ROE) | 1.7393% | 5,756 |
| Retained earnings to average equity (ytd only) | -2.8104% | 6,246 |
| Net charge-offs to loans | 1.6564% | 938 |
| Credit loss provision to net charge-offs | 115.0489% | 2,838 |
| Earnings coverage of net charge-offs (x) | 1.2850% | 4,814 |
| Efficiency ratio | 53.1715% | 6,591 |
| Assets per employee ($millions) | 7.6259% | 547 |
| Cash dividends to net income (ytd only)* | 261.5808% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4160% | 1,437 |
| Loan loss allowance to noncurrent loans | 32.4666% | 6,047 |
| Noncurrent assets plus other real estate owned to assets | 7.7476% | 544 |
| Noncurrent loans to loans | 7.4416% | 574 |
| Net loans and leases to total assets | 78.5255% | 651 |
| Net loans and leases to deposits | 103.6813% | 318 |
| Net loans and leases to core deposits | 118.8174% | 379 |
| Total domestic deposits to total assets | 75.7374% | 6,518 |
| Equity capital to assets | 9.4480% | 4,970 |
| Core capital (leverage) ratio | 9.8138% | 3,573 |
| Tier 1 risk-based capital ratio | 11.3827% | 6,238 |
| Total risk-based capital ratio | 12.6463% | 6,216 |
| Memoranda: | ||
| Average total assets | $796,951,400 | 825 |
| Average earning assets | $726,969,600 | 818 |
| Average equity | $83,652,800 | 803 |
| Average total loans | $684,815,400 | 604 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 1,592 |
| Cost of funding earning assets | 1.4429% | 1,050 |
| Net interest margin | 3.9308% | 3,233 |
| Noninterest income to average assets | 0.2316% | 5,963 |
| Noninterest expense to average assets | 2.0809% | 6,533 |
| Loan and lease loss provision to assets | 0.6150% | 1,597 |
| Net operating income to assets | 1.1267% | 1,889 |
| Return on assets (ROA) | 1.1265% | 2,012 |
| Pretax return on assets | 1.1360% | 2,867 |
| Return on Equity (ROE) | 10.4508% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.1642% | 2,453 |
| Net charge-offs to loans | 0.5825% | 2,506 |
| Credit loss provision to net charge-offs | 120.7944% | 2,684 |
| Earnings coverage of net charge-offs (x) | 3.4396% | 3,435 |
| Efficiency ratio | 54.2838% | 6,457 |
| Assets per employee ($millions) | 7.3823% | 607 |
| Cash dividends to net income (ytd only)* | 41.0167% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2497% | 1,781 |
| Loan loss allowance to noncurrent loans | 31.8413% | 6,141 |
| Noncurrent assets plus other real estate owned to assets | 7.9887% | 553 |
| Noncurrent loans to loans | 7.0654% | 702 |
| Net loans and leases to total assets | 83.7778% | 235 |
| Net loans and leases to deposits | 116.7875% | 106 |
| Net loans and leases to core deposits | 136.7571% | 191 |
| Total domestic deposits to total assets | 71.7353% | 6,952 |
| Equity capital to assets | 10.8544% | 3,283 |
| Core capital (leverage) ratio | 11.1299% | 2,296 |
| Tier 1 risk-based capital ratio | 12.3782% | 5,597 |
| Total risk-based capital ratio | 13.6401% | 5,575 |
| Memoranda: | ||
| Average total assets | $784,570,750 | 842 |
| Average earning assets | $718,643,750 | 833 |
| Average equity | $84,572,250 | 799 |
| Average total loans | $685,730,500 | 605 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 1,367 |
| Cost of funding earning assets | 1.5179% | 947 |
| Net interest margin | 3.9510% | 3,086 |
| Noninterest income to average assets | 0.1676% | 6,460 |
| Noninterest expense to average assets | 2.1030% | 6,585 |
| Loan and lease loss provision to assets | 0.5300% | 1,841 |
| Net operating income to assets | 1.1477% | 1,728 |
| Return on assets (ROA) | 1.1480% | 1,804 |
| Pretax return on assets | 1.1567% | 2,651 |
| Return on Equity (ROE) | 10.6750% | 1,905 |
| Retained earnings to average equity (ytd only) | 5.9726% | 2,457 |
| Net charge-offs to loans | 0.6240% | 2,275 |
| Credit loss provision to net charge-offs | 96.5453% | 3,259 |
| Earnings coverage of net charge-offs (x) | 3.0719% | 3,318 |
| Efficiency ratio | 55.4751% | 6,464 |
| Assets per employee ($millions) | 6.6718% | 851 |
| Cash dividends to net income (ytd only)* | 44.0500% | 1,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1679% | 1,982 |
| Loan loss allowance to noncurrent loans | 35.0941% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 7.3797% | 665 |
| Noncurrent loans to loans | 6.1775% | 942 |
| Net loans and leases to total assets | 85.5732% | 156 |
| Net loans and leases to deposits | 117.0259% | 109 |
| Net loans and leases to core deposits | 137.9776% | 197 |
| Total domestic deposits to total assets | 73.1233% | 6,912 |
| Equity capital to assets | 10.9928% | 2,963 |
| Core capital (leverage) ratio | 10.7884% | 2,431 |
| Tier 1 risk-based capital ratio | 12.2068% | 5,610 |
| Total risk-based capital ratio | 13.4675% | 5,576 |
| Memoranda: | ||
| Average total assets | $780,330,670 | 856 |
| Average earning assets | $715,309,000 | 851 |
| Average equity | $83,916,000 | 804 |
| Average total loans | $686,532,000 | 615 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4785% | 1,358 |
| Cost of funding earning assets | 1.5414% | 1,015 |
| Net interest margin | 3.9371% | 2,970 |
| Noninterest income to average assets | 0.1358% | 6,735 |
| Noninterest expense to average assets | 2.0941% | 6,650 |
| Loan and lease loss provision to assets | 0.5248% | 1,655 |
| Net operating income to assets | 1.1221% | 1,760 |
| Return on assets (ROA) | 1.1221% | 1,808 |
| Pretax return on assets | 1.1303% | 2,642 |
| Return on Equity (ROE) | 10.5501% | 1,893 |
| Retained earnings to average equity (ytd only) | 8.1502% | 1,675 |
| Net charge-offs to loans | 0.1441% | 3,632 |
| Credit loss provision to net charge-offs | 412.8514% | 822 |
| Earnings coverage of net charge-offs (x) | 13.0201% | 1,465 |
| Efficiency ratio | 55.8415% | 6,519 |
| Assets per employee ($millions) | 6.9902% | 741 |
| Cash dividends to net income (ytd only)* | 22.7480% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2614% | 1,838 |
| Loan loss allowance to noncurrent loans | 50.2557% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 5.8859% | 998 |
| Noncurrent loans to loans | 4.4998% | 1,553 |
| Net loans and leases to total assets | 87.2878% | 94 |
| Net loans and leases to deposits | 116.8734% | 109 |
| Net loans and leases to core deposits | 137.9480% | 208 |
| Total domestic deposits to total assets | 74.6858% | 6,836 |
| Equity capital to assets | 10.9519% | 2,732 |
| Core capital (leverage) ratio | 10.8195% | 2,340 |
| Tier 1 risk-based capital ratio | 11.9534% | 5,739 |
| Total risk-based capital ratio | 13.2153% | 5,715 |
| Memoranda: | ||
| Average total assets | $783,529,000 | 863 |
| Average earning assets | $719,103,000 | 853 |
| Average equity | $83,335,500 | 799 |
| Average total loans | $691,320,000 | 621 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5195% | 2,206 |
| Cost of funding earning assets | 1.8541% | 984 |
| Net interest margin | 3.6654% | 4,512 |
| Noninterest income to average assets | 0.3590% | 5,238 |
| Noninterest expense to average assets | 1.9978% | 7,029 |
| Loan and lease loss provision to assets | 1.3372% | 1,142 |
| Net operating income to assets | 0.3783% | 4,646 |
| Return on assets (ROA) | 0.3831% | 4,765 |
| Pretax return on assets | 0.3916% | 4,973 |
| Return on Equity (ROE) | 3.6237% | 4,689 |
| Retained earnings to average equity (ytd only) | 0.3158% | 5,424 |
| Net charge-offs to loans | 1.1867% | 1,877 |
| Credit loss provision to net charge-offs | 128.4333% | 3,121 |
| Earnings coverage of net charge-offs (x) | 1.6558% | 4,493 |
| Efficiency ratio | 53.6620% | 6,839 |
| Assets per employee ($millions) | 7.2558% | 663 |
| Cash dividends to net income (ytd only)* | 91.2841% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1194% | 2,026 |
| Loan loss allowance to noncurrent loans | 37.9656% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 5.9675% | 1,000 |
| Noncurrent loans to loans | 5.5825% | 1,171 |
| Net loans and leases to total assets | 85.3471% | 217 |
| Net loans and leases to deposits | 114.9971% | 158 |
| Net loans and leases to core deposits | 134.0049% | 282 |
| Total domestic deposits to total assets | 74.2167% | 6,864 |
| Equity capital to assets | 10.3315% | 3,348 |
| Core capital (leverage) ratio | 10.4760% | 2,586 |
| Tier 1 risk-based capital ratio | 11.5501% | 5,864 |
| Total risk-based capital ratio | 12.8102% | 5,860 |
| Memoranda: | ||
| Average total assets | $784,701,600 | 862 |
| Average earning assets | $719,914,600 | 851 |
| Average equity | $82,953,600 | 797 |
| Average total loans | $688,445,200 | 637 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4693% | 2,564 |
| Cost of funding earning assets | 1.9171% | 976 |
| Net interest margin | 3.5521% | 5,101 |
| Noninterest income to average assets | 0.3795% | 5,115 |
| Noninterest expense to average assets | 2.0148% | 7,026 |
| Loan and lease loss provision to assets | 0.9588% | 1,555 |
| Net operating income to assets | 0.6524% | 3,636 |
| Return on assets (ROA) | 0.6588% | 3,768 |
| Pretax return on assets | 0.6674% | 4,360 |
| Return on Equity (ROE) | 6.1965% | 3,728 |
| Retained earnings to average equity (ytd only) | 2.7556% | 4,505 |
| Net charge-offs to loans | 0.7546% | 2,540 |
| Credit loss provision to net charge-offs | 144.5960% | 2,718 |
| Earnings coverage of net charge-offs (x) | 2.4426% | 3,953 |
| Efficiency ratio | 55.4157% | 6,631 |
| Assets per employee ($millions) | 7.0484% | 755 |
| Cash dividends to net income (ytd only)* | 55.5298% | 1,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 2,069 |
| Loan loss allowance to noncurrent loans | 41.9854% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 5.5524% | 1,107 |
| Noncurrent loans to loans | 4.9306% | 1,416 |
| Net loans and leases to total assets | 87.1893% | 135 |
| Net loans and leases to deposits | 120.0682% | 112 |
| Net loans and leases to core deposits | 142.3909% | 237 |
| Total domestic deposits to total assets | 72.6165% | 7,069 |
| Equity capital to assets | 10.9418% | 3,012 |
| Core capital (leverage) ratio | 10.9014% | 2,333 |
| Tier 1 risk-based capital ratio | 12.3011% | 5,182 |
| Total risk-based capital ratio | 13.5614% | 5,146 |
| Memoranda: | ||
| Average total assets | $781,341,750 | 869 |
| Average earning assets | $715,982,000 | 858 |
| Average equity | $83,077,000 | 798 |
| Average total loans | $686,571,500 | 637 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 3,036 |
| Cost of funding earning assets | 1.9602% | 1,016 |
| Net interest margin | 3.4258% | 5,528 |
| Noninterest income to average assets | 0.3324% | 5,502 |
| Noninterest expense to average assets | 1.9585% | 7,171 |
| Loan and lease loss provision to assets | 1.0355% | 1,405 |
| Net operating income to assets | 0.4675% | 4,475 |
| Return on assets (ROA) | 0.4730% | 4,606 |
| Pretax return on assets | 0.4814% | 4,959 |
| Return on Equity (ROE) | 4.4907% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.7589% | 5,463 |
| Net charge-offs to loans | 0.8004% | 2,243 |
| Credit loss provision to net charge-offs | 147.8735% | 2,670 |
| Earnings coverage of net charge-offs (x) | 2.1581% | 3,941 |
| Efficiency ratio | 56.4229% | 6,583 |
| Assets per employee ($millions) | 6.6685% | 892 |
| Cash dividends to net income (ytd only)* | 83.1001% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0002% | 2,179 |
| Loan loss allowance to noncurrent loans | 42.2944% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 5.3560% | 1,167 |
| Noncurrent loans to loans | 4.7292% | 1,502 |
| Net loans and leases to total assets | 87.0517% | 169 |
| Net loans and leases to deposits | 119.6161% | 125 |
| Net loans and leases to core deposits | 143.2130% | 254 |
| Total domestic deposits to total assets | 72.7759% | 7,121 |
| Equity capital to assets | 10.6825% | 3,189 |
| Core capital (leverage) ratio | 10.5016% | 2,634 |
| Tier 1 risk-based capital ratio | 11.6267% | 5,651 |
| Total risk-based capital ratio | 12.8852% | 5,601 |
| Memoranda: | ||
| Average total assets | $785,695,670 | 868 |
| Average earning assets | $719,533,330 | 856 |
| Average equity | $82,748,000 | 794 |
| Average total loans | $687,422,670 | 638 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3435% | 3,327 |
| Cost of funding earning assets | 1.9740% | 1,176 |
| Net interest margin | 3.3694% | 5,707 |
| Noninterest income to average assets | 0.2172% | 6,406 |
| Noninterest expense to average assets | 1.9172% | 7,306 |
| Loan and lease loss provision to assets | 0.5193% | 2,422 |
| Net operating income to assets | 0.8598% | 2,708 |
| Return on assets (ROA) | 0.8598% | 2,798 |
| Pretax return on assets | 0.8694% | 3,582 |
| Return on Equity (ROE) | 8.2217% | 2,772 |
| Retained earnings to average equity (ytd only) | 5.8064% | 2,709 |
| Net charge-offs to loans | 0.1955% | 3,740 |
| Credit loss provision to net charge-offs | 305.9524% | 1,286 |
| Earnings coverage of net charge-offs (x) | 8.1815% | 1,983 |
| Efficiency ratio | 57.9768% | 6,490 |
| Assets per employee ($millions) | 7.2335% | 743 |
| Cash dividends to net income (ytd only)* | 29.3772% | 2,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8928% | 2,475 |
| Loan loss allowance to noncurrent loans | 33.0237% | 6,205 |
| Noncurrent assets plus other real estate owned to assets | 6.2664% | 932 |
| Noncurrent loans to loans | 5.7317% | 1,183 |
| Net loans and leases to total assets | 87.8534% | 133 |
| Net loans and leases to deposits | 124.3728% | 104 |
| Net loans and leases to core deposits | 149.3983% | 246 |
| Total domestic deposits to total assets | 70.6371% | 7,370 |
| Equity capital to assets | 10.7898% | 2,964 |
| Core capital (leverage) ratio | 10.5625% | 2,563 |
| Tier 1 risk-based capital ratio | 11.8250% | 5,371 |
| Total risk-based capital ratio | 13.0827% | 5,309 |
| Memoranda: | ||
| Average total assets | $791,770,000 | 878 |
| Average earning assets | $725,819,000 | 869 |
| Average equity | $82,805,000 | 802 |
| Average total loans | $687,569,000 | 657 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4365% | 4,507 |
| Cost of funding earning assets | 2.4130% | 1,258 |
| Net interest margin | 3.0235% | 6,584 |
| Noninterest income to average assets | 0.3962% | 5,230 |
| Noninterest expense to average assets | 1.9718% | 7,407 |
| Loan and lease loss provision to assets | 1.0566% | 2,176 |
| Net operating income to assets | 0.1569% | 5,033 |
| Return on assets (ROA) | 0.1607% | 5,091 |
| Pretax return on assets | 0.1697% | 5,075 |
| Return on Equity (ROE) | 1.6331% | 5,043 |
| Retained earnings to average equity (ytd only) | -0.9861% | 5,252 |
| Net charge-offs to loans | 0.6802% | 3,150 |
| Credit loss provision to net charge-offs | 179.7851% | 2,316 |
| Earnings coverage of net charge-offs (x) | 2.0798% | 4,174 |
| Efficiency ratio | 61.7129% | 6,201 |
| Assets per employee ($millions) | 7.5660% | 617 |
| Cash dividends to net income (ytd only)* | 160.3849% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8220% | 2,476 |
| Loan loss allowance to noncurrent loans | 29.6085% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 6.2059% | 898 |
| Noncurrent loans to loans | 6.1537% | 1,013 |
| Net loans and leases to total assets | 82.7146% | 573 |
| Net loans and leases to deposits | 112.4961% | 306 |
| Net loans and leases to core deposits | 135.9280% | 953 |
| Total domestic deposits to total assets | 73.5266% | 7,083 |
| Equity capital to assets | 10.1412% | 3,573 |
| Core capital (leverage) ratio | 10.5296% | 2,574 |
| Tier 1 risk-based capital ratio | 11.6155% | 5,280 |
| Total risk-based capital ratio | 12.8719% | 5,232 |
| Memoranda: | ||
| Average total assets | $776,082,400 | 879 |
| Average earning assets | $718,180,600 | 871 |
| Average equity | $76,358,800 | 846 |
| Average total loans | $670,528,000 | 697 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2686% | 5,578 |
| Cost of funding earning assets | 2.5240% | 1,228 |
| Net interest margin | 2.7445% | 7,142 |
| Noninterest income to average assets | 0.3894% | 5,390 |
| Noninterest expense to average assets | 1.9118% | 7,528 |
| Loan and lease loss provision to assets | 0.6245% | 2,894 |
| Net operating income to assets | 0.3916% | 4,430 |
| Return on assets (ROA) | 0.3968% | 4,511 |
| Pretax return on assets | 0.4073% | 4,787 |
| Return on Equity (ROE) | 4.0663% | 4,349 |
| Retained earnings to average equity (ytd only) | 1.3969% | 4,538 |
| Net charge-offs to loans | 0.1707% | 5,026 |
| Credit loss provision to net charge-offs | 420.5848% | 946 |
| Earnings coverage of net charge-offs (x) | 6.9123% | 2,517 |
| Efficiency ratio | 65.0431% | 5,543 |
| Assets per employee ($millions) | 7.1581% | 732 |
| Cash dividends to net income (ytd only)* | 65.6455% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 2,714 |
| Loan loss allowance to noncurrent loans | 47.5795% | 5,136 |
| Noncurrent assets plus other real estate owned to assets | 4.2096% | 1,489 |
| Noncurrent loans to loans | 3.5224% | 2,126 |
| Net loans and leases to total assets | 88.3102% | 188 |
| Net loans and leases to deposits | 130.4461% | 106 |
| Net loans and leases to core deposits | 157.1986% | 434 |
| Total domestic deposits to total assets | 67.6986% | 7,602 |
| Equity capital to assets | 10.9587% | 3,053 |
| Core capital (leverage) ratio | 10.4607% | 2,825 |
| Tier 1 risk-based capital ratio | 12.0030% | 4,977 |
| Total risk-based capital ratio | 13.2580% | 4,906 |
| Memoranda: | ||
| Average total assets | $767,713,750 | 904 |
| Average earning assets | $712,965,000 | 888 |
| Average equity | $74,923,750 | 874 |
| Average total loans | $667,647,750 | 718 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2512% | 5,862 |
| Cost of funding earning assets | 2.5576% | 1,416 |
| Net interest margin | 2.6936% | 7,215 |
| Noninterest income to average assets | 0.4384% | 4,951 |
| Noninterest expense to average assets | 1.8495% | 7,683 |
| Loan and lease loss provision to assets | 0.6224% | 2,564 |
| Net operating income to assets | 0.4588% | 4,258 |
| Return on assets (ROA) | 0.4639% | 4,351 |
| Pretax return on assets | 0.4735% | 4,707 |
| Return on Equity (ROE) | 4.9555% | 4,096 |
| Retained earnings to average equity (ytd only) | 2.1746% | 4,135 |
| Net charge-offs to loans | 0.1698% | 4,532 |
| Credit loss provision to net charge-offs | 426.2032% | 1,088 |
| Earnings coverage of net charge-offs (x) | 7.4688% | 2,438 |
| Efficiency ratio | 62.8774% | 6,102 |
| Assets per employee ($millions) | 7.0210% | 770 |
| Cash dividends to net income (ytd only)* | 56.1167% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 2,883 |
| Loan loss allowance to noncurrent loans | 41.6556% | 5,575 |
| Noncurrent assets plus other real estate owned to assets | 3.7704% | 1,617 |
| Noncurrent loans to loans | 3.7623% | 1,832 |
| Net loans and leases to total assets | 82.5955% | 847 |
| Net loans and leases to deposits | 115.6347% | 340 |
| Net loans and leases to core deposits | 135.9987% | 1,209 |
| Total domestic deposits to total assets | 71.4280% | 7,311 |
| Equity capital to assets | 10.3409% | 3,581 |
| Core capital (leverage) ratio | 10.8294% | 2,544 |
| Tier 1 risk-based capital ratio | 11.9794% | 4,940 |
| Total risk-based capital ratio | 13.2328% | 4,854 |
| Memoranda: | ||
| Average total assets | $768,313,670 | 917 |
| Average earning assets | $713,628,330 | 898 |
| Average equity | $71,920,330 | 935 |
| Average total loans | $660,894,000 | 747 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4658% | 5,088 |
| Cost of funding earning assets | 2.6329% | 1,472 |
| Net interest margin | 2.8329% | 6,920 |
| Noninterest income to average assets | 0.3916% | 5,285 |
| Noninterest expense to average assets | 1.7677% | 7,738 |
| Loan and lease loss provision to assets | 0.6411% | 1,968 |
| Net operating income to assets | 0.6000% | 4,010 |
| Return on assets (ROA) | 0.6031% | 4,191 |
| Pretax return on assets | 0.6111% | 4,724 |
| Return on Equity (ROE) | 6.8286% | 3,657 |
| Retained earnings to average equity (ytd only) | 3.8044% | 3,773 |
| Net charge-offs to loans | 0.0834% | 4,333 |
| Credit loss provision to net charge-offs | 882.3529% | 700 |
| Earnings coverage of net charge-offs (x) | 17.1912% | 1,519 |
| Efficiency ratio | 58.5798% | 6,611 |
| Assets per employee ($millions) | 7.6699% | 579 |
| Cash dividends to net income (ytd only)* | 44.2870% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4786% | 3,095 |
| Loan loss allowance to noncurrent loans | 43.9116% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 3.5680% | 1,492 |
| Noncurrent loans to loans | 3.3673% | 1,904 |
| Net loans and leases to total assets | 88.2347% | 246 |
| Net loans and leases to deposits | 119.1457% | 310 |
| Net loans and leases to core deposits | 141.7199% | 1,026 |
| Total domestic deposits to total assets | 74.0562% | 6,885 |
| Equity capital to assets | 8.9320% | 5,433 |
| Core capital (leverage) ratio | 8.9709% | 4,760 |
| Tier 1 risk-based capital ratio | 9.8185% | 7,122 |
| Total risk-based capital ratio | 11.0711% | 7,030 |
| Memoranda: | ||
| Average total assets | $748,764,500 | 932 |
| Average earning assets | $693,845,500 | 923 |
| Average equity | $66,133,500 | 1,022 |
| Average total loans | $652,589,000 | 760 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5010% | 2,955 |
| Cost of funding earning assets | 2.9547% | 2,042 |
| Net interest margin | 3.5462% | 5,115 |
| Noninterest income to average assets | 0.3304% | 6,081 |
| Noninterest expense to average assets | 1.8808% | 7,647 |
| Loan and lease loss provision to assets | 1.5854% | 832 |
| Net operating income to assets | 0.1786% | 5,912 |
| Return on assets (ROA) | 0.1809% | 5,743 |
| Pretax return on assets | 0.1906% | 5,753 |
| Return on Equity (ROE) | 1.6983% | 5,709 |
| Retained earnings to average equity (ytd only) | -7.3548% | 6,818 |
| Net charge-offs to loans | 1.2359% | 977 |
| Credit loss provision to net charge-offs | 150.5683% | 3,483 |
| Earnings coverage of net charge-offs (x) | 1.6844% | 5,240 |
| Efficiency ratio | 51.4467% | 7,546 |
| Assets per employee ($millions) | 7.6893% | 521 |
| Cash dividends to net income (ytd only)* | 533.0821% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3755% | 3,332 |
| Loan loss allowance to noncurrent loans | 197.9725% | 1,960 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 4,234 |
| Noncurrent loans to loans | 0.6948% | 5,298 |
| Net loans and leases to total assets | 83.6163% | 950 |
| Net loans and leases to deposits | 111.9849% | 708 |
| Net loans and leases to core deposits | 132.8626% | 1,666 |
| Total domestic deposits to total assets | 74.6675% | 6,524 |
| Equity capital to assets | 8.7340% | 5,755 |
| Core capital (leverage) ratio | 8.9965% | 4,745 |
| Tier 1 risk-based capital ratio | 9.9968% | 6,738 |
| Total risk-based capital ratio | 11.2479% | 6,620 |
| Memoranda: | ||
| Average total assets | $660,150,600 | 1,014 |
| Average earning assets | $618,767,200 | 976 |
| Average equity | $70,307,400 | 947 |
| Average total loans | $562,401,600 | 846 |