Home > Bankwell Bank > Performance and Condition Ratios
Bankwell Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3536% | 692 |
| Cost of funding earning assets | 3.4572% | 173 |
| Net interest margin | 2.8964% | 3,205 |
| Noninterest income to average assets | 0.1200% | 4,125 |
| Noninterest expense to average assets | 1.4454% | 4,335 |
| Loan and lease loss provision to assets | 0.4600% | 174 |
| Net operating income to assets | 0.7441% | 2,701 |
| Return on assets (ROA) | 0.7425% | 2,724 |
| Pretax return on assets | 0.9734% | 2,461 |
| Return on Equity (ROE) | 7.2800% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.5832% | 2,828 |
| Net charge-offs to loans | 0.5424% | 179 |
| Credit loss provision to net charge-offs | 101.2319% | 1,135 |
| Earnings coverage of net charge-offs (x) | 3.1322% | 1,955 |
| Efficiency ratio | 50.1221% | 4,013 |
| Assets per employee ($millions) | 23.6979% | 72 |
| Cash dividends to net income (ytd only)* | 50.7958% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0465% | 3,068 |
| Loan loss allowance to noncurrent loans | 51.7031% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.7177% | 226 |
| Noncurrent loans to loans | 2.0241% | 322 |
| Net loans and leases to total assets | 83.9700% | 275 |
| Net loans and leases to deposits | 98.5828% | 556 |
| Net loans and leases to core deposits | 157.3088% | 171 |
| Total domestic deposits to total assets | 85.1800% | 2,357 |
| Equity capital to assets | 10.3377% | 1,816 |
| Core capital (leverage) ratio | 10.0868% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6298% | 2,375 |
| Memoranda: | ||
| Average total assets | $3,181,850,500 | 384 |
| Average earning assets | $3,039,606,500 | 368 |
| Average equity | $324,400,500 | 396 |
| Average total loans | $2,693,962,000 | 342 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0722% | 577 |
| Cost of funding earning assets | 2.9170% | 167 |
| Net interest margin | 3.1552% | 2,970 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.3872% | 4,397 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.3444% | 1,335 |
| Return on assets (ROA) | 1.3452% | 1,307 |
| Pretax return on assets | 1.7554% | 955 |
| Return on Equity (ROE) | 14.1200% | 1,461 |
| Retained earnings to average equity (ytd only) | 10.2381% | 953 |
| Net charge-offs to loans | 0.0285% | 1,737 |
| Credit loss provision to net charge-offs | 155.9126% | 1,438 |
| Earnings coverage of net charge-offs (x) | 74.2352% | 1,071 |
| Efficiency ratio | 43.7825% | 4,254 |
| Assets per employee ($millions) | 25.0928% | 68 |
| Cash dividends to net income (ytd only)* | 27.5109% | 2,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 3,162 |
| Loan loss allowance to noncurrent loans | 56.7650% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.5328% | 241 |
| Noncurrent loans to loans | 1.8145% | 330 |
| Net loans and leases to total assets | 83.6100% | 303 |
| Net loans and leases to deposits | 97.6868% | 667 |
| Net loans and leases to core deposits | 163.0061% | 142 |
| Total domestic deposits to total assets | 85.5800% | 2,140 |
| Equity capital to assets | 10.0556% | 1,974 |
| Core capital (leverage) ratio | 9.8064% | 2,965 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3193% | 2,486 |
| Memoranda: | ||
| Average total assets | $3,242,582,800 | 369 |
| Average earning assets | $3,103,578,200 | 350 |
| Average equity | $308,836,800 | 389 |
| Average total loans | $2,733,280,200 | 317 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9585% | 559 |
| Cost of funding earning assets | 2.7527% | 176 |
| Net interest margin | 3.2058% | 2,903 |
| Noninterest income to average assets | 0.1500% | 4,067 |
| Noninterest expense to average assets | 1.3853% | 4,410 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.3596% | 1,402 |
| Return on assets (ROA) | 1.3580% | 1,383 |
| Pretax return on assets | 1.7612% | 1,065 |
| Return on Equity (ROE) | 14.4600% | 1,557 |
| Retained earnings to average equity (ytd only) | 14.4574% | 618 |
| Net charge-offs to loans | 0.0198% | 1,726 |
| Credit loss provision to net charge-offs | 536.6995% | 603 |
| Earnings coverage of net charge-offs (x) | 110.3695% | 879 |
| Efficiency ratio | 42.9746% | 4,270 |
| Assets per employee ($millions) | 22.5487% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,072 |
| Loan loss allowance to noncurrent loans | 76.9882% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 389 |
| Noncurrent loans to loans | 1.3759% | 552 |
| Net loans and leases to total assets | 84.2400% | 261 |
| Net loans and leases to deposits | 98.3842% | 591 |
| Net loans and leases to core deposits | 162.0350% | 100 |
| Total domestic deposits to total assets | 85.6200% | 2,306 |
| Equity capital to assets | 9.7197% | 1,983 |
| Core capital (leverage) ratio | 9.5981% | 3,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8648% | 2,652 |
| Memoranda: | ||
| Average total assets | $3,250,257,750 | 372 |
| Average earning assets | $3,111,689,750 | 356 |
| Average equity | $305,302,250 | 392 |
| Average total loans | $2,738,288,500 | 323 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8280% | 542 |
| Cost of funding earning assets | 2.5379% | 179 |
| Net interest margin | 3.2901% | 2,776 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 1.4019% | 4,416 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 1.3331% | 1,487 |
| Return on assets (ROA) | 1.3334% | 1,469 |
| Pretax return on assets | 1.7218% | 1,163 |
| Return on Equity (ROE) | 14.3600% | 1,609 |
| Retained earnings to average equity (ytd only) | 14.3618% | 637 |
| Net charge-offs to loans | 0.0314% | 1,263 |
| Credit loss provision to net charge-offs | 843.9252% | 460 |
| Earnings coverage of net charge-offs (x) | 73.3388% | 1,092 |
| Efficiency ratio | 42.0643% | 4,336 |
| Assets per employee ($millions) | 21.9556% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1092% | 2,918 |
| Loan loss allowance to noncurrent loans | 197.0343% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 1,133 |
| Noncurrent loans to loans | 0.5629% | 1,329 |
| Net loans and leases to total assets | 84.2200% | 256 |
| Net loans and leases to deposits | 97.7676% | 626 |
| Net loans and leases to core deposits | 161.2985% | 97 |
| Total domestic deposits to total assets | 86.1400% | 2,192 |
| Equity capital to assets | 9.4472% | 2,188 |
| Core capital (leverage) ratio | 9.4099% | 3,352 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4110% | 2,779 |
| Memoranda: | ||
| Average total assets | $3,251,341,000 | 363 |
| Average earning assets | $3,115,890,000 | 348 |
| Average equity | $301,870,000 | 381 |
| Average total loans | $2,729,542,667 | 313 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6773% | 467 |
| Cost of funding earning assets | 2.2928% | 157 |
| Net interest margin | 3.3844% | 2,677 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.4022% | 4,469 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.4759% | 1,229 |
| Return on assets (ROA) | 1.4786% | 1,206 |
| Pretax return on assets | 1.9312% | 869 |
| Return on Equity (ROE) | 16.0700% | 1,343 |
| Retained earnings to average equity (ytd only) | 16.0660% | 685 |
| Net charge-offs to loans | 0.0658% | 742 |
| Credit loss provision to net charge-offs | 209.4170% | 809 |
| Earnings coverage of net charge-offs (x) | 36.9978% | 1,222 |
| Efficiency ratio | 40.8609% | 4,424 |
| Assets per employee ($millions) | 23.9348% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 3,451 |
| Loan loss allowance to noncurrent loans | 196.3807% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 1,176 |
| Noncurrent loans to loans | 0.5180% | 1,428 |
| Net loans and leases to total assets | 83.7000% | 255 |
| Net loans and leases to deposits | 97.0011% | 600 |
| Net loans and leases to core deposits | 162.8616% | 83 |
| Total domestic deposits to total assets | 86.2900% | 2,510 |
| Equity capital to assets | 9.2441% | 2,320 |
| Core capital (leverage) ratio | 9.2197% | 3,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1620% | 2,923 |
| Memoranda: | ||
| Average total assets | $3,252,297,500 | 373 |
| Average earning assets | $3,120,511,500 | 356 |
| Average equity | $299,315,500 | 393 |
| Average total loans | $2,710,663,500 | 324 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6390% | 571 |
| Cost of funding earning assets | 0.8324% | 350 |
| Net interest margin | 3.8067% | 1,147 |
| Noninterest income to average assets | 0.1200% | 4,342 |
| Noninterest expense to average assets | 1.4851% | 4,437 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 1.6038% | 688 |
| Return on assets (ROA) | 1.5976% | 662 |
| Pretax return on assets | 2.0504% | 421 |
| Return on Equity (ROE) | 16.3800% | 982 |
| Retained earnings to average equity (ytd only) | 16.3849% | 206 |
| Net charge-offs to loans | -0.0042% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 39.6331% | 4,543 |
| Assets per employee ($millions) | 23.8931% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8405% | 3,942 |
| Loan loss allowance to noncurrent loans | 136.4914% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 1,014 |
| Noncurrent loans to loans | 0.6158% | 1,213 |
| Net loans and leases to total assets | 81.4400% | 457 |
| Net loans and leases to deposits | 94.1689% | 770 |
| Net loans and leases to core deposits | 150.6334% | 92 |
| Total domestic deposits to total assets | 86.4800% | 2,577 |
| Equity capital to assets | 9.1622% | 2,254 |
| Core capital (leverage) ratio | 9.8835% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0669% | 2,961 |
| Memoranda: | ||
| Average total assets | $2,669,684,400 | 428 |
| Average earning assets | $2,542,461,400 | 410 |
| Average equity | $260,301,000 | 429 |
| Average total loans | $2,175,317,800 | 357 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 647 |
| Cost of funding earning assets | 0.5134% | 706 |
| Net interest margin | 3.8406% | 891 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 1.4912% | 4,427 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.7576% | 465 |
| Return on assets (ROA) | 1.7486% | 462 |
| Pretax return on assets | 2.2298% | 305 |
| Return on Equity (ROE) | 17.5900% | 693 |
| Retained earnings to average equity (ytd only) | 17.5922% | 182 |
| Net charge-offs to loans | -0.0065% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.3052% | 4,590 |
| Assets per employee ($millions) | 19.4289% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7962% | 4,100 |
| Loan loss allowance to noncurrent loans | 108.2916% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 861 |
| Noncurrent loans to loans | 0.7353% | 1,107 |
| Net loans and leases to total assets | 83.2100% | 307 |
| Net loans and leases to deposits | 98.2325% | 446 |
| Net loans and leases to core deposits | 135.6787% | 120 |
| Total domestic deposits to total assets | 84.7100% | 3,352 |
| Equity capital to assets | 10.4105% | 1,418 |
| Core capital (leverage) ratio | 11.3079% | 1,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1597% | 2,770 |
| Memoranda: | ||
| Average total assets | $2,524,739,750 | 449 |
| Average earning assets | $2,399,306,500 | 432 |
| Average equity | $250,945,500 | 444 |
| Average total loans | $2,051,943,500 | 369 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 682 |
| Cost of funding earning assets | 0.4033% | 896 |
| Net interest margin | 3.7647% | 812 |
| Noninterest income to average assets | 0.1761% | 4,123 |
| Noninterest expense to average assets | 1.5010% | 4,417 |
| Loan and lease loss provision to assets | -0.0989% | 4,590 |
| Net operating income to assets | 1.8348% | 313 |
| Return on assets (ROA) | 1.8312% | 307 |
| Pretax return on assets | 2.3438% | 207 |
| Return on Equity (ROE) | 18.7508% | 402 |
| Retained earnings to average equity (ytd only) | 18.7508% | 101 |
| Net charge-offs to loans | -0.0088% | 3,542 |
| Credit loss provision to net charge-offs | 1,397.7011% | 325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0204% | 4,608 |
| Assets per employee ($millions) | 18.4292% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7685% | 4,225 |
| Loan loss allowance to noncurrent loans | 103.3076% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.6276% | 881 |
| Noncurrent loans to loans | 0.7439% | 1,155 |
| Net loans and leases to total assets | 83.7205% | 198 |
| Net loans and leases to deposits | 99.8238% | 279 |
| Net loans and leases to core deposits | 123.9001% | 153 |
| Total domestic deposits to total assets | 83.8683% | 3,706 |
| Equity capital to assets | 10.4054% | 1,479 |
| Core capital (leverage) ratio | 10.1528% | 2,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8041% | 2,863 |
| Memoranda: | ||
| Average total assets | $2,459,636,333 | 454 |
| Average earning assets | $2,335,262,333 | 441 |
| Average equity | $240,203,333 | 460 |
| Average total loans | $1,975,392,000 | 373 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8000% | 1,087 |
| Cost of funding earning assets | 0.4231% | 762 |
| Net interest margin | 3.3769% | 1,360 |
| Noninterest income to average assets | 0.1689% | 4,155 |
| Noninterest expense to average assets | 1.4251% | 4,510 |
| Loan and lease loss provision to assets | 0.0370% | 1,695 |
| Net operating income to assets | 1.5039% | 630 |
| Return on assets (ROA) | 1.4930% | 637 |
| Pretax return on assets | 1.8983% | 453 |
| Return on Equity (ROE) | 15.7969% | 554 |
| Retained earnings to average equity (ytd only) | 15.7969% | 245 |
| Net charge-offs to loans | -0.0021% | 3,118 |
| Credit loss provision to net charge-offs | -2,290.0000% | 3,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2347% | 4,602 |
| Assets per employee ($millions) | 19.6363% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 4,123 |
| Loan loss allowance to noncurrent loans | 106.9975% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 926 |
| Noncurrent loans to loans | 0.8084% | 1,172 |
| Net loans and leases to total assets | 78.7776% | 314 |
| Net loans and leases to deposits | 90.5305% | 482 |
| Net loans and leases to core deposits | 111.1880% | 233 |
| Total domestic deposits to total assets | 87.0178% | 2,920 |
| Equity capital to assets | 9.6552% | 2,174 |
| Core capital (leverage) ratio | 9.8022% | 2,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9985% | 2,894 |
| Memoranda: | ||
| Average total assets | $2,473,130,000 | 455 |
| Average earning assets | $2,347,453,500 | 445 |
| Average equity | $233,742,000 | 477 |
| Average total loans | $1,936,888,500 | 376 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 1,904 |
| Cost of funding earning assets | 0.5596% | 667 |
| Net interest margin | 3.2289% | 2,520 |
| Noninterest income to average assets | 0.2200% | 4,050 |
| Noninterest expense to average assets | 1.5271% | 4,510 |
| Loan and lease loss provision to assets | -0.0025% | 4,138 |
| Net operating income to assets | 1.3591% | 1,411 |
| Return on assets (ROA) | 1.3569% | 1,464 |
| Pretax return on assets | 1.7251% | 1,084 |
| Return on Equity (ROE) | 15.4644% | 844 |
| Retained earnings to average equity (ytd only) | 15.4644% | 198 |
| Net charge-offs to loans | 0.2316% | 398 |
| Credit loss provision to net charge-offs | -1.4074% | 3,148 |
| Earnings coverage of net charge-offs (x) | 9.7435% | 2,247 |
| Efficiency ratio | 46.8503% | 4,462 |
| Assets per employee ($millions) | 19.7778% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 4,080 |
| Loan loss allowance to noncurrent loans | 95.8109% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 872 |
| Noncurrent loans to loans | 0.9324% | 1,087 |
| Net loans and leases to total assets | 76.4611% | 487 |
| Net loans and leases to deposits | 87.8835% | 658 |
| Net loans and leases to core deposits | 108.4840% | 311 |
| Total domestic deposits to total assets | 87.0028% | 2,519 |
| Equity capital to assets | 9.2438% | 3,377 |
| Core capital (leverage) ratio | 9.9411% | 2,424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0000% | 2,890 |
| Memoranda: | ||
| Average total assets | $2,287,119,200 | 465 |
| Average earning assets | $2,148,021,600 | 460 |
| Average equity | $200,686,200 | 542 |
| Average total loans | $1,748,677,600 | 400 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7680% | 2,099 |
| Cost of funding earning assets | 0.6044% | 628 |
| Net interest margin | 3.1637% | 2,847 |
| Noninterest income to average assets | 0.2584% | 3,850 |
| Noninterest expense to average assets | 1.5676% | 4,513 |
| Loan and lease loss provision to assets | -0.0108% | 4,320 |
| Net operating income to assets | 1.3110% | 1,789 |
| Return on assets (ROA) | 1.3091% | 1,855 |
| Pretax return on assets | 1.6643% | 1,507 |
| Return on Equity (ROE) | 15.1400% | 1,114 |
| Retained earnings to average equity (ytd only) | 15.1400% | 379 |
| Net charge-offs to loans | 0.3132% | 250 |
| Credit loss provision to net charge-offs | -4.5229% | 3,041 |
| Earnings coverage of net charge-offs (x) | 6.9312% | 2,158 |
| Efficiency ratio | 48.5800% | 4,327 |
| Assets per employee ($millions) | 16.5924% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 4,098 |
| Loan loss allowance to noncurrent loans | 58.1539% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.2996% | 437 |
| Noncurrent loans to loans | 1.5858% | 647 |
| Net loans and leases to total assets | 81.1925% | 235 |
| Net loans and leases to deposits | 95.6435% | 359 |
| Net loans and leases to core deposits | 118.4057% | 199 |
| Total domestic deposits to total assets | 84.8907% | 3,153 |
| Equity capital to assets | 9.3045% | 3,555 |
| Core capital (leverage) ratio | 9.6117% | 2,893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4380% | 3,045 |
| Memoranda: | ||
| Average total assets | $2,245,787,750 | 479 |
| Average earning assets | $2,104,812,000 | 472 |
| Average equity | $194,182,750 | 563 |
| Average total loans | $1,712,829,750 | 410 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 2,393 |
| Cost of funding earning assets | 0.6512% | 569 |
| Net interest margin | 3.0284% | 3,248 |
| Noninterest income to average assets | 0.2730% | 3,771 |
| Noninterest expense to average assets | 1.5481% | 4,579 |
| Loan and lease loss provision to assets | -0.0280% | 4,463 |
| Net operating income to assets | 1.2495% | 2,025 |
| Return on assets (ROA) | 1.2476% | 2,092 |
| Pretax return on assets | 1.5901% | 1,763 |
| Return on Equity (ROE) | 14.7995% | 1,212 |
| Retained earnings to average equity (ytd only) | 14.7995% | 463 |
| Net charge-offs to loans | 0.4797% | 174 |
| Credit loss provision to net charge-offs | -7.8587% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.3835% | 2,032 |
| Efficiency ratio | 49.6820% | 4,257 |
| Assets per employee ($millions) | 18.1352% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 3,965 |
| Loan loss allowance to noncurrent loans | 61.0897% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.2039% | 565 |
| Noncurrent loans to loans | 1.5721% | 707 |
| Net loans and leases to total assets | 75.8424% | 605 |
| Net loans and leases to deposits | 88.2823% | 760 |
| Net loans and leases to core deposits | 110.0204% | 358 |
| Total domestic deposits to total assets | 85.9090% | 2,771 |
| Equity capital to assets | 8.7381% | 4,020 |
| Core capital (leverage) ratio | 9.1872% | 3,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8395% | 2,987 |
| Memoranda: | ||
| Average total assets | $2,253,257,000 | 474 |
| Average earning assets | $2,112,749,333 | 467 |
| Average equity | $189,952,333 | 566 |
| Average total loans | $1,676,433,000 | 423 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 2,751 |
| Cost of funding earning assets | 0.7117% | 525 |
| Net interest margin | 2.8518% | 3,632 |
| Noninterest income to average assets | 0.3239% | 3,476 |
| Noninterest expense to average assets | 1.5167% | 4,635 |
| Loan and lease loss provision to assets | -0.0527% | 4,655 |
| Net operating income to assets | 1.2100% | 2,106 |
| Return on assets (ROA) | 1.2049% | 2,207 |
| Pretax return on assets | 1.5292% | 1,921 |
| Return on Equity (ROE) | 14.5616% | 1,312 |
| Retained earnings to average equity (ytd only) | 14.5616% | 680 |
| Net charge-offs to loans | 0.0408% | 1,053 |
| Credit loss provision to net charge-offs | -176.1905% | 2,932 |
| Earnings coverage of net charge-offs (x) | 49.5714% | 907 |
| Efficiency ratio | 50.5105% | 4,147 |
| Assets per employee ($millions) | 18.2230% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2297% | 2,764 |
| Loan loss allowance to noncurrent loans | 60.4585% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.5161% | 416 |
| Noncurrent loans to loans | 2.0340% | 526 |
| Net loans and leases to total assets | 73.6196% | 848 |
| Net loans and leases to deposits | 87.7821% | 844 |
| Net loans and leases to core deposits | 107.7676% | 465 |
| Total domestic deposits to total assets | 83.8663% | 3,477 |
| Equity capital to assets | 8.6160% | 4,033 |
| Core capital (leverage) ratio | 8.8173% | 3,798 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1699% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,246,434,500 | 470 |
| Average earning assets | $2,107,705,500 | 463 |
| Average equity | $185,886,500 | 578 |
| Average total loans | $1,646,676,500 | 434 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 2,758 |
| Cost of funding earning assets | 1.0893% | 417 |
| Net interest margin | 2.9016% | 4,103 |
| Noninterest income to average assets | 0.1028% | 4,736 |
| Noninterest expense to average assets | 1.8384% | 4,410 |
| Loan and lease loss provision to assets | 0.3651% | 915 |
| Net operating income to assets | 0.4882% | 4,050 |
| Return on assets (ROA) | 0.4903% | 4,131 |
| Pretax return on assets | 0.6062% | 4,069 |
| Return on Equity (ROE) | 5.3760% | 3,788 |
| Retained earnings to average equity (ytd only) | -7.5731% | 4,878 |
| Net charge-offs to loans | 0.0066% | 3,111 |
| Credit loss provision to net charge-offs | 7,175.4717% | 147 |
| Earnings coverage of net charge-offs (x) | 190.3868% | 486 |
| Efficiency ratio | 65.2536% | 2,643 |
| Assets per employee ($millions) | 18.0116% | 115 |
| Cash dividends to net income (ytd only)* | 240.8695% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2947% | 2,438 |
| Loan loss allowance to noncurrent loans | 62.9577% | 3,836 |
| Noncurrent assets plus other real estate owned to assets | 1.4822% | 498 |
| Noncurrent loans to loans | 2.0565% | 543 |
| Net loans and leases to total assets | 71.1397% | 1,408 |
| Net loans and leases to deposits | 86.5627% | 1,207 |
| Net loans and leases to core deposits | 106.7508% | 614 |
| Total domestic deposits to total assets | 82.1829% | 3,626 |
| Equity capital to assets | 7.9350% | 4,733 |
| Core capital (leverage) ratio | 8.4363% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2765% | 2,847 |
| Memoranda: | ||
| Average total assets | $2,083,192,200 | 461 |
| Average earning assets | $1,941,593,400 | 454 |
| Average equity | $189,974,600 | 528 |
| Average total loans | $1,615,133,200 | 418 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 2,686 |
| Cost of funding earning assets | 1.1712% | 411 |
| Net interest margin | 2.9240% | 4,136 |
| Noninterest income to average assets | 0.1103% | 4,723 |
| Noninterest expense to average assets | 1.6918% | 4,631 |
| Loan and lease loss provision to assets | 0.4505% | 717 |
| Net operating income to assets | 0.5601% | 3,881 |
| Return on assets (ROA) | 0.5631% | 3,965 |
| Pretax return on assets | 0.6927% | 3,920 |
| Return on Equity (ROE) | 5.9617% | 3,570 |
| Retained earnings to average equity (ytd only) | 1.3976% | 4,116 |
| Net charge-offs to loans | 0.0028% | 3,073 |
| Credit loss provision to net charge-offs | 20,285.2941% | 72 |
| Earnings coverage of net charge-offs (x) | 513.0588% | 226 |
| Efficiency ratio | 59.6299% | 3,442 |
| Assets per employee ($millions) | 15.4314% | 149 |
| Cash dividends to net income (ytd only)* | 76.5572% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 2,369 |
| Loan loss allowance to noncurrent loans | 200.5315% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.4636% | 2,331 |
| Noncurrent loans to loans | 0.6267% | 2,230 |
| Net loans and leases to total assets | 73.0528% | 1,495 |
| Net loans and leases to deposits | 90.2116% | 1,241 |
| Net loans and leases to core deposits | 117.7345% | 461 |
| Total domestic deposits to total assets | 80.9794% | 3,669 |
| Equity capital to assets | 8.7824% | 4,268 |
| Core capital (leverage) ratio | 9.5768% | 3,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5718% | 2,382 |
| Memoranda: | ||
| Average total assets | $2,041,129,000 | 460 |
| Average earning assets | $1,899,446,250 | 454 |
| Average equity | $192,805,250 | 515 |
| Average total loans | $1,613,246,250 | 414 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2566% | 2,591 |
| Cost of funding earning assets | 1.2684% | 408 |
| Net interest margin | 2.9882% | 4,151 |
| Noninterest income to average assets | 0.1286% | 4,659 |
| Noninterest expense to average assets | 1.7395% | 4,643 |
| Loan and lease loss provision to assets | 0.6213% | 501 |
| Net operating income to assets | 0.4548% | 4,123 |
| Return on assets (ROA) | 0.4595% | 4,177 |
| Pretax return on assets | 0.5533% | 4,150 |
| Return on Equity (ROE) | 4.7428% | 3,901 |
| Retained earnings to average equity (ytd only) | -0.3369% | 4,368 |
| Net charge-offs to loans | 0.0040% | 2,840 |
| Credit loss provision to net charge-offs | 19,328.1250% | 61 |
| Earnings coverage of net charge-offs (x) | 363.6250% | 285 |
| Efficiency ratio | 59.6864% | 3,455 |
| Assets per employee ($millions) | 13.4334% | 227 |
| Cash dividends to net income (ytd only)* | 107.1038% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 2,414 |
| Loan loss allowance to noncurrent loans | 184.2046% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 2,231 |
| Noncurrent loans to loans | 0.6627% | 2,206 |
| Net loans and leases to total assets | 77.9180% | 855 |
| Net loans and leases to deposits | 97.7874% | 670 |
| Net loans and leases to core deposits | 122.9014% | 364 |
| Total domestic deposits to total assets | 79.6811% | 3,902 |
| Equity capital to assets | 9.2344% | 3,892 |
| Core capital (leverage) ratio | 9.9256% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6303% | 2,349 |
| Memoranda: | ||
| Average total assets | $1,991,086,000 | 463 |
| Average earning assets | $1,852,132,000 | 458 |
| Average equity | $192,925,333 | 512 |
| Average total loans | $1,610,612,667 | 410 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 2,669 |
| Cost of funding earning assets | 1.4043% | 389 |
| Net interest margin | 2.9810% | 4,314 |
| Noninterest income to average assets | 0.1752% | 4,493 |
| Noninterest expense to average assets | 1.7567% | 4,716 |
| Loan and lease loss provision to assets | 0.6481% | 418 |
| Net operating income to assets | 0.4700% | 3,970 |
| Return on assets (ROA) | 0.4768% | 4,009 |
| Pretax return on assets | 0.5580% | 4,012 |
| Return on Equity (ROE) | 4.8034% | 3,707 |
| Retained earnings to average equity (ytd only) | -0.3219% | 4,040 |
| Net charge-offs to loans | 0.0020% | 2,523 |
| Credit loss provision to net charge-offs | 39,812.5000% | 11 |
| Earnings coverage of net charge-offs (x) | 736.0000% | 82 |
| Efficiency ratio | 59.3279% | 3,827 |
| Assets per employee ($millions) | 13.3258% | 176 |
| Cash dividends to net income (ytd only)* | 106.7008% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 3,543 |
| Loan loss allowance to noncurrent loans | 156.8086% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 2,439 |
| Noncurrent loans to loans | 0.6573% | 2,347 |
| Net loans and leases to total assets | 78.0710% | 972 |
| Net loans and leases to deposits | 94.9417% | 1,001 |
| Net loans and leases to core deposits | 132.4162% | 238 |
| Total domestic deposits to total assets | 82.2304% | 3,351 |
| Equity capital to assets | 9.2158% | 4,456 |
| Core capital (leverage) ratio | 10.8352% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1286% | 2,642 |
| Memoranda: | ||
| Average total assets | $1,965,687,500 | 456 |
| Average earning assets | $1,832,952,000 | 451 |
| Average equity | $195,110,500 | 510 |
| Average total loans | $1,610,590,500 | 398 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7189% | 2,270 |
| Cost of funding earning assets | 1.5750% | 323 |
| Net interest margin | 3.1439% | 4,297 |
| Noninterest income to average assets | 0.2362% | 4,264 |
| Noninterest expense to average assets | 1.7127% | 4,858 |
| Loan and lease loss provision to assets | 0.0233% | 3,552 |
| Net operating income to assets | 1.1526% | 2,247 |
| Return on assets (ROA) | 1.1588% | 2,315 |
| Pretax return on assets | 1.4608% | 1,931 |
| Return on Equity (ROE) | 11.0424% | 1,867 |
| Retained earnings to average equity (ytd only) | 7.2236% | 1,295 |
| Net charge-offs to loans | 0.1508% | 1,316 |
| Credit loss provision to net charge-offs | 18.2845% | 3,324 |
| Earnings coverage of net charge-offs (x) | 11.5607% | 2,484 |
| Efficiency ratio | 53.5788% | 4,462 |
| Assets per employee ($millions) | 11.9695% | 225 |
| Cash dividends to net income (ytd only)* | 34.5829% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8431% | 4,177 |
| Loan loss allowance to noncurrent loans | 96.8526% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 1,746 |
| Noncurrent loans to loans | 0.8705% | 1,764 |
| Net loans and leases to total assets | 84.5483% | 272 |
| Net loans and leases to deposits | 106.0361% | 300 |
| Net loans and leases to core deposits | 134.6176% | 225 |
| Total domestic deposits to total assets | 79.7354% | 4,033 |
| Equity capital to assets | 10.7012% | 3,258 |
| Core capital (leverage) ratio | 10.9862% | 2,514 |
| Tier 1 risk-based capital ratio | 12.5260% | 4,054 |
| Total risk-based capital ratio | 13.3480% | 4,189 |
| Memoranda: | ||
| Average total assets | $1,871,553,000 | 452 |
| Average earning assets | $1,757,799,800 | 439 |
| Average equity | $196,396,800 | 481 |
| Average total loans | $1,585,266,800 | 388 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7824% | 2,172 |
| Cost of funding earning assets | 1.5945% | 309 |
| Net interest margin | 3.1879% | 4,327 |
| Noninterest income to average assets | 0.2518% | 4,232 |
| Noninterest expense to average assets | 1.6911% | 4,928 |
| Loan and lease loss provision to assets | 0.0091% | 3,710 |
| Net operating income to assets | 1.2293% | 2,096 |
| Return on assets (ROA) | 1.2383% | 2,141 |
| Pretax return on assets | 1.5586% | 1,786 |
| Return on Equity (ROE) | 11.8591% | 1,668 |
| Retained earnings to average equity (ytd only) | 7.8295% | 1,479 |
| Net charge-offs to loans | 0.2005% | 869 |
| Credit loss provision to net charge-offs | 5.3429% | 3,018 |
| Earnings coverage of net charge-offs (x) | 9.1809% | 2,589 |
| Efficiency ratio | 51.9490% | 4,598 |
| Assets per employee ($millions) | 11.6721% | 229 |
| Cash dividends to net income (ytd only)* | 33.9783% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8457% | 4,256 |
| Loan loss allowance to noncurrent loans | 134.0503% | 2,816 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 2,412 |
| Noncurrent loans to loans | 0.6309% | 2,392 |
| Net loans and leases to total assets | 83.4645% | 405 |
| Net loans and leases to deposits | 104.8814% | 365 |
| Net loans and leases to core deposits | 128.8896% | 307 |
| Total domestic deposits to total assets | 79.5799% | 4,075 |
| Equity capital to assets | 10.4905% | 3,547 |
| Core capital (leverage) ratio | 10.8800% | 2,759 |
| Tier 1 risk-based capital ratio | 12.6506% | 4,061 |
| Total risk-based capital ratio | 13.4735% | 4,181 |
| Memoranda: | ||
| Average total assets | $1,869,639,000 | 452 |
| Average earning assets | $1,756,850,750 | 440 |
| Average equity | $195,221,500 | 487 |
| Average total loans | $1,580,996,250 | 393 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 2,007 |
| Cost of funding earning assets | 1.5748% | 298 |
| Net interest margin | 3.2417% | 4,264 |
| Noninterest income to average assets | 0.2312% | 4,368 |
| Noninterest expense to average assets | 1.7030% | 4,976 |
| Loan and lease loss provision to assets | -0.0689% | 5,193 |
| Net operating income to assets | 1.3101% | 1,734 |
| Return on assets (ROA) | 1.3220% | 1,746 |
| Pretax return on assets | 1.6662% | 1,346 |
| Return on Equity (ROE) | 12.6807% | 1,340 |
| Retained earnings to average equity (ytd only) | 8.7913% | 1,098 |
| Net charge-offs to loans | 0.1167% | 1,265 |
| Credit loss provision to net charge-offs | -69.7624% | 3,853 |
| Earnings coverage of net charge-offs (x) | 16.0119% | 1,953 |
| Efficiency ratio | 51.7151% | 4,674 |
| Assets per employee ($millions) | 12.8939% | 164 |
| Cash dividends to net income (ytd only)* | 30.6724% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8873% | 4,144 |
| Loan loss allowance to noncurrent loans | 119.1763% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 1,978 |
| Noncurrent loans to loans | 0.7445% | 2,129 |
| Net loans and leases to total assets | 83.5674% | 407 |
| Net loans and leases to deposits | 104.5744% | 397 |
| Net loans and leases to core deposits | 126.7603% | 372 |
| Total domestic deposits to total assets | 79.9119% | 4,056 |
| Equity capital to assets | 10.5611% | 3,465 |
| Core capital (leverage) ratio | 10.7458% | 2,843 |
| Tier 1 risk-based capital ratio | 12.3990% | 4,186 |
| Total risk-based capital ratio | 13.2591% | 4,299 |
| Memoranda: | ||
| Average total assets | $1,874,230,330 | 452 |
| Average earning assets | $1,765,657,000 | 440 |
| Average equity | $195,398,670 | 483 |
| Average total loans | $1,587,261,670 | 394 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 1,824 |
| Cost of funding earning assets | 1.5352% | 289 |
| Net interest margin | 3.2944% | 4,173 |
| Noninterest income to average assets | 0.2341% | 4,337 |
| Noninterest expense to average assets | 1.7245% | 4,990 |
| Loan and lease loss provision to assets | 0.0414% | 2,799 |
| Net operating income to assets | 1.2532% | 1,876 |
| Return on assets (ROA) | 1.2591% | 1,899 |
| Pretax return on assets | 1.5877% | 1,502 |
| Return on Equity (ROE) | 12.1546% | 1,480 |
| Retained earnings to average equity (ytd only) | 12.1546% | 587 |
| Net charge-offs to loans | 0.0568% | 1,477 |
| Credit loss provision to net charge-offs | 85.9031% | 1,743 |
| Earnings coverage of net charge-offs (x) | 33.6300% | 1,260 |
| Efficiency ratio | 51.4157% | 4,736 |
| Assets per employee ($millions) | 13.5336% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9680% | 3,883 |
| Loan loss allowance to noncurrent loans | 116.8231% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 2,014 |
| Noncurrent loans to loans | 0.8286% | 1,985 |
| Net loans and leases to total assets | 83.3171% | 433 |
| Net loans and leases to deposits | 103.4672% | 420 |
| Net loans and leases to core deposits | 124.5775% | 413 |
| Total domestic deposits to total assets | 80.5251% | 4,068 |
| Equity capital to assets | 10.4078% | 3,409 |
| Core capital (leverage) ratio | 10.5339% | 3,010 |
| Tier 1 risk-based capital ratio | 11.9997% | 4,458 |
| Total risk-based capital ratio | 12.9370% | 4,523 |
| Memoranda: | ||
| Average total assets | $1,882,981,500 | 454 |
| Average earning assets | $1,778,768,500 | 443 |
| Average equity | $195,053,000 | 480 |
| Average total loans | $1,598,138,000 | 396 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 2,197 |
| Cost of funding earning assets | 1.2715% | 250 |
| Net interest margin | 3.3070% | 4,238 |
| Noninterest income to average assets | 0.1626% | 4,909 |
| Noninterest expense to average assets | 1.7342% | 5,057 |
| Loan and lease loss provision to assets | 0.1862% | 1,037 |
| Net operating income to assets | 1.1194% | 2,518 |
| Return on assets (ROA) | 1.1293% | 2,479 |
| Pretax return on assets | 1.3846% | 2,194 |
| Return on Equity (ROE) | 11.1074% | 2,043 |
| Retained earnings to average equity (ytd only) | 11.1074% | 415 |
| Net charge-offs to loans | 0.4360% | 421 |
| Credit loss provision to net charge-offs | 49.9855% | 3,194 |
| Earnings coverage of net charge-offs (x) | 4.1842% | 3,323 |
| Efficiency ratio | 52.5102% | 4,757 |
| Assets per employee ($millions) | 13.3662% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9650% | 3,883 |
| Loan loss allowance to noncurrent loans | 109.9325% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 1,852 |
| Noncurrent loans to loans | 0.8778% | 1,834 |
| Net loans and leases to total assets | 84.7970% | 334 |
| Net loans and leases to deposits | 105.1757% | 409 |
| Net loans and leases to core deposits | 127.7206% | 360 |
| Total domestic deposits to total assets | 80.6242% | 3,971 |
| Equity capital to assets | 10.3090% | 3,366 |
| Core capital (leverage) ratio | 10.1351% | 3,415 |
| Tier 1 risk-based capital ratio | 11.5610% | 4,690 |
| Total risk-based capital ratio | 12.4965% | 4,756 |
| Memoranda: | ||
| Average total assets | $1,847,331,800 | 445 |
| Average earning assets | $1,748,703,200 | 432 |
| Average equity | $187,811,400 | 474 |
| Average total loans | $1,578,351,800 | 389 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 2,371 |
| Cost of funding earning assets | 1.1884% | 273 |
| Net interest margin | 3.2888% | 4,310 |
| Noninterest income to average assets | 0.1863% | 4,855 |
| Noninterest expense to average assets | 1.7540% | 5,082 |
| Loan and lease loss provision to assets | 0.0467% | 3,050 |
| Net operating income to assets | 1.1954% | 2,259 |
| Return on assets (ROA) | 1.2082% | 2,213 |
| Pretax return on assets | 1.5144% | 1,852 |
| Return on Equity (ROE) | 11.9266% | 1,812 |
| Retained earnings to average equity (ytd only) | 11.9266% | 485 |
| Net charge-offs to loans | 0.0203% | 2,734 |
| Credit loss provision to net charge-offs | 269.8745% | 1,111 |
| Earnings coverage of net charge-offs (x) | 89.2758% | 824 |
| Efficiency ratio | 53.0070% | 4,706 |
| Assets per employee ($millions) | 13.2446% | 147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,601 |
| Loan loss allowance to noncurrent loans | 87.9332% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.1677% | 1,209 |
| Noncurrent loans to loans | 1.3685% | 1,218 |
| Net loans and leases to total assets | 84.3001% | 420 |
| Net loans and leases to deposits | 105.7522% | 453 |
| Net loans and leases to core deposits | 127.9234% | 366 |
| Total domestic deposits to total assets | 79.7147% | 4,174 |
| Equity capital to assets | 10.2858% | 3,353 |
| Core capital (leverage) ratio | 10.1425% | 3,480 |
| Tier 1 risk-based capital ratio | 11.4346% | 4,834 |
| Total risk-based capital ratio | 12.6065% | 4,757 |
| Memoranda: | ||
| Average total assets | $1,841,349,000 | 445 |
| Average earning assets | $1,742,707,750 | 428 |
| Average equity | $186,537,000 | 473 |
| Average total loans | $1,572,380,500 | 385 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 2,432 |
| Cost of funding earning assets | 1.1162% | 272 |
| Net interest margin | 3.2788% | 4,312 |
| Noninterest income to average assets | 0.2057% | 4,783 |
| Noninterest expense to average assets | 1.7742% | 5,124 |
| Loan and lease loss provision to assets | 0.0353% | 3,209 |
| Net operating income to assets | 1.1957% | 2,221 |
| Return on assets (ROA) | 1.2152% | 2,124 |
| Pretax return on assets | 1.5233% | 1,733 |
| Return on Equity (ROE) | 12.0587% | 1,704 |
| Retained earnings to average equity (ytd only) | 12.0587% | 506 |
| Net charge-offs to loans | 0.0283% | 2,287 |
| Credit loss provision to net charge-offs | 146.1538% | 1,603 |
| Earnings coverage of net charge-offs (x) | 63.4661% | 960 |
| Efficiency ratio | 53.6239% | 4,731 |
| Assets per employee ($millions) | 12.7872% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1941% | 2,761 |
| Loan loss allowance to noncurrent loans | 80.7323% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.2610% | 1,124 |
| Noncurrent loans to loans | 1.4791% | 1,138 |
| Net loans and leases to total assets | 84.2340% | 435 |
| Net loans and leases to deposits | 106.9115% | 398 |
| Net loans and leases to core deposits | 124.0107% | 459 |
| Total domestic deposits to total assets | 78.7886% | 4,464 |
| Equity capital to assets | 10.1488% | 3,490 |
| Core capital (leverage) ratio | 10.0270% | 3,551 |
| Tier 1 risk-based capital ratio | 11.3138% | 4,888 |
| Total risk-based capital ratio | 12.4740% | 4,835 |
| Memoranda: | ||
| Average total assets | $1,828,218,670 | 447 |
| Average earning assets | $1,730,160,670 | 432 |
| Average equity | $184,232,670 | 475 |
| Average total loans | $1,561,582,000 | 387 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3497% | 2,355 |
| Cost of funding earning assets | 1.0579% | 281 |
| Net interest margin | 3.2918% | 4,213 |
| Noninterest income to average assets | 0.2079% | 4,779 |
| Noninterest expense to average assets | 1.8491% | 5,104 |
| Loan and lease loss provision to assets | 0.0029% | 3,480 |
| Net operating income to assets | 1.1712% | 2,128 |
| Return on assets (ROA) | 1.2105% | 1,970 |
| Pretax return on assets | 1.5185% | 1,631 |
| Return on Equity (ROE) | 12.0564% | 1,562 |
| Retained earnings to average equity (ytd only) | 12.0564% | 676 |
| Net charge-offs to loans | 0.0300% | 1,895 |
| Credit loss provision to net charge-offs | 11.2069% | 2,168 |
| Earnings coverage of net charge-offs (x) | 57.3966% | 866 |
| Efficiency ratio | 55.6724% | 4,623 |
| Assets per employee ($millions) | 12.6872% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2103% | 2,747 |
| Loan loss allowance to noncurrent loans | 91.8107% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.1475% | 1,338 |
| Noncurrent loans to loans | 1.3183% | 1,351 |
| Net loans and leases to total assets | 83.9956% | 437 |
| Net loans and leases to deposits | 107.2029% | 334 |
| Net loans and leases to core deposits | 123.2738% | 494 |
| Total domestic deposits to total assets | 78.3520% | 4,673 |
| Equity capital to assets | 10.0958% | 3,504 |
| Core capital (leverage) ratio | 9.9014% | 3,646 |
| Tier 1 risk-based capital ratio | 11.1771% | 5,040 |
| Total risk-based capital ratio | 12.3473% | 4,985 |
| Memoranda: | ||
| Average total assets | $1,808,862,500 | 452 |
| Average earning assets | $1,710,933,000 | 440 |
| Average equity | $181,613,000 | 484 |
| Average total loans | $1,546,574,500 | 393 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 2,115 |
| Cost of funding earning assets | 0.9410% | 301 |
| Net interest margin | 3.4282% | 3,761 |
| Noninterest income to average assets | 0.2212% | 4,825 |
| Noninterest expense to average assets | 1.6890% | 5,346 |
| Loan and lease loss provision to assets | 0.0777% | 2,645 |
| Net operating income to assets | 0.9270% | 2,563 |
| Return on assets (ROA) | 0.9331% | 2,566 |
| Pretax return on assets | 1.6989% | 1,008 |
| Return on Equity (ROE) | 9.4156% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.4156% | 438 |
| Net charge-offs to loans | 0.0286% | 3,239 |
| Credit loss provision to net charge-offs | 320.0477% | 897 |
| Earnings coverage of net charge-offs (x) | 72.8305% | 825 |
| Efficiency ratio | 48.8716% | 5,269 |
| Assets per employee ($millions) | 12.8832% | 149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2277% | 2,615 |
| Loan loss allowance to noncurrent loans | 336.9697% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 3,634 |
| Noncurrent loans to loans | 0.3643% | 3,465 |
| Net loans and leases to total assets | 84.9290% | 352 |
| Net loans and leases to deposits | 108.5623% | 305 |
| Net loans and leases to core deposits | 124.6663% | 466 |
| Total domestic deposits to total assets | 78.2307% | 4,682 |
| Equity capital to assets | 9.9834% | 3,728 |
| Core capital (leverage) ratio | 9.6050% | 3,912 |
| Tier 1 risk-based capital ratio | 10.9945% | 5,155 |
| Total risk-based capital ratio | 12.1909% | 5,061 |
| Memoranda: | ||
| Average total assets | $1,726,958,000 | 460 |
| Average earning assets | $1,629,555,200 | 446 |
| Average equity | $171,142,000 | 489 |
| Average total loans | $1,466,106,000 | 398 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 2,154 |
| Cost of funding earning assets | 0.9005% | 341 |
| Net interest margin | 3.4359% | 3,720 |
| Noninterest income to average assets | 0.1905% | 5,062 |
| Noninterest expense to average assets | 1.6755% | 5,391 |
| Loan and lease loss provision to assets | 0.1430% | 1,476 |
| Net operating income to assets | 1.1001% | 2,093 |
| Return on assets (ROA) | 1.1088% | 2,107 |
| Pretax return on assets | 1.6246% | 1,331 |
| Return on Equity (ROE) | 11.2103% | 1,604 |
| Retained earnings to average equity (ytd only) | 11.2103% | 385 |
| Net charge-offs to loans | 0.0233% | 2,991 |
| Credit loss provision to net charge-offs | 725.2964% | 472 |
| Earnings coverage of net charge-offs (x) | 89.0092% | 748 |
| Efficiency ratio | 48.8449% | 5,303 |
| Assets per employee ($millions) | 13.0469% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,423 |
| Loan loss allowance to noncurrent loans | 484.6173% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.2365% | 4,112 |
| Noncurrent loans to loans | 0.2654% | 4,010 |
| Net loans and leases to total assets | 83.3866% | 500 |
| Net loans and leases to deposits | 106.2543% | 407 |
| Net loans and leases to core deposits | 124.4165% | 450 |
| Total domestic deposits to total assets | 78.4784% | 4,629 |
| Equity capital to assets | 9.8169% | 4,127 |
| Core capital (leverage) ratio | 9.7761% | 3,848 |
| Tier 1 risk-based capital ratio | 10.9432% | 5,279 |
| Total risk-based capital ratio | 12.1886% | 5,171 |
| Memoranda: | ||
| Average total assets | $1,711,006,000 | 466 |
| Average earning assets | $1,613,372,250 | 450 |
| Average equity | $169,232,750 | 501 |
| Average total loans | $1,447,686,750 | 403 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 2,108 |
| Cost of funding earning assets | 0.8562% | 395 |
| Net interest margin | 3.4485% | 3,594 |
| Noninterest income to average assets | 0.2128% | 4,981 |
| Noninterest expense to average assets | 1.6880% | 5,424 |
| Loan and lease loss provision to assets | 0.1711% | 1,141 |
| Net operating income to assets | 1.0507% | 2,201 |
| Return on assets (ROA) | 1.0634% | 2,194 |
| Pretax return on assets | 1.6254% | 1,261 |
| Return on Equity (ROE) | 10.7229% | 1,747 |
| Retained earnings to average equity (ytd only) | 10.7229% | 477 |
| Net charge-offs to loans | -0.0163% | 4,697 |
| Credit loss provision to net charge-offs | -1,239.6552% | 4,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7159% | 5,372 |
| Assets per employee ($millions) | 13.3765% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,323 |
| Loan loss allowance to noncurrent loans | 383.2843% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,909 |
| Noncurrent loans to loans | 0.3437% | 3,809 |
| Net loans and leases to total assets | 83.5027% | 487 |
| Net loans and leases to deposits | 103.1556% | 541 |
| Net loans and leases to core deposits | 119.9625% | 561 |
| Total domestic deposits to total assets | 80.9483% | 4,194 |
| Equity capital to assets | 9.7718% | 4,149 |
| Core capital (leverage) ratio | 9.7490% | 3,838 |
| Tier 1 risk-based capital ratio | 10.9075% | 5,304 |
| Total risk-based capital ratio | 12.1566% | 5,212 |
| Memoranda: | ||
| Average total assets | $1,681,181,670 | 474 |
| Average earning assets | $1,585,465,330 | 461 |
| Average equity | $166,726,670 | 507 |
| Average total loans | $1,423,274,670 | 408 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 2,142 |
| Cost of funding earning assets | 0.8036% | 474 |
| Net interest margin | 3.4340% | 3,505 |
| Noninterest income to average assets | 0.2326% | 4,879 |
| Noninterest expense to average assets | 1.8058% | 5,369 |
| Loan and lease loss provision to assets | 0.1320% | 1,450 |
| Net operating income to assets | 1.0627% | 2,018 |
| Return on assets (ROA) | 1.0902% | 1,954 |
| Pretax return on assets | 1.5722% | 1,306 |
| Return on Equity (ROE) | 10.9075% | 1,602 |
| Retained earnings to average equity (ytd only) | 10.9075% | 622 |
| Net charge-offs to loans | 0.0040% | 2,833 |
| Credit loss provision to net charge-offs | 3,878.5714% | 80 |
| Earnings coverage of net charge-offs (x) | 489.0714% | 114 |
| Efficiency ratio | 52.0384% | 5,264 |
| Assets per employee ($millions) | 13.1442% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2991% | 2,544 |
| Loan loss allowance to noncurrent loans | 438.8573% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 4,136 |
| Noncurrent loans to loans | 0.2960% | 4,056 |
| Net loans and leases to total assets | 84.2508% | 340 |
| Net loans and leases to deposits | 105.5486% | 336 |
| Net loans and leases to core deposits | 120.4995% | 449 |
| Total domestic deposits to total assets | 79.8218% | 4,654 |
| Equity capital to assets | 9.9913% | 3,766 |
| Core capital (leverage) ratio | 10.0591% | 3,425 |
| Tier 1 risk-based capital ratio | 11.1596% | 5,224 |
| Total risk-based capital ratio | 12.4099% | 5,121 |
| Memoranda: | ||
| Average total assets | $1,645,609,500 | 483 |
| Average earning assets | $1,551,441,500 | 470 |
| Average equity | $164,473,500 | 508 |
| Average total loans | $1,393,524,000 | 415 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3234% | 2,063 |
| Cost of funding earning assets | 0.7374% | 669 |
| Net interest margin | 3.5861% | 3,121 |
| Noninterest income to average assets | 0.1790% | 5,328 |
| Noninterest expense to average assets | 1.7262% | 5,540 |
| Loan and lease loss provision to assets | 0.2633% | 778 |
| Net operating income to assets | 1.0660% | 2,057 |
| Return on assets (ROA) | 1.0608% | 2,188 |
| Pretax return on assets | 1.5845% | 1,335 |
| Return on Equity (ROE) | 10.2799% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.2799% | 375 |
| Net charge-offs to loans | 0.0080% | 3,988 |
| Credit loss provision to net charge-offs | 3,875.2475% | 113 |
| Earnings coverage of net charge-offs (x) | 273.1287% | 263 |
| Efficiency ratio | 48.1943% | 5,570 |
| Assets per employee ($millions) | 12.8723% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 2,429 |
| Loan loss allowance to noncurrent loans | 692.9480% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1768% | 4,611 |
| Noncurrent loans to loans | 0.1905% | 4,480 |
| Net loans and leases to total assets | 82.8744% | 496 |
| Net loans and leases to deposits | 103.8183% | 435 |
| Net loans and leases to core deposits | 121.5843% | 442 |
| Total domestic deposits to total assets | 79.8264% | 4,608 |
| Equity capital to assets | 9.9981% | 3,730 |
| Core capital (leverage) ratio | 10.0983% | 3,374 |
| Tier 1 risk-based capital ratio | 11.5947% | 4,991 |
| Total risk-based capital ratio | 12.8458% | 4,899 |
| Memoranda: | ||
| Average total assets | $1,486,689,600 | 513 |
| Average earning assets | $1,410,679,200 | 495 |
| Average equity | $153,416,600 | 518 |
| Average total loans | $1,258,905,400 | 425 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,213 |
| Cost of funding earning assets | 0.7171% | 749 |
| Net interest margin | 3.5668% | 3,205 |
| Noninterest income to average assets | 0.1910% | 5,321 |
| Noninterest expense to average assets | 1.7393% | 5,586 |
| Loan and lease loss provision to assets | 0.2905% | 595 |
| Net operating income to assets | 1.0541% | 2,182 |
| Return on assets (ROA) | 1.0598% | 2,273 |
| Pretax return on assets | 1.5581% | 1,509 |
| Return on Equity (ROE) | 10.1820% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.1820% | 542 |
| Net charge-offs to loans | 0.0092% | 3,606 |
| Credit loss provision to net charge-offs | 3,724.7059% | 139 |
| Earnings coverage of net charge-offs (x) | 235.9069% | 333 |
| Efficiency ratio | 48.5912% | 5,573 |
| Assets per employee ($millions) | 12.1920% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 2,668 |
| Loan loss allowance to noncurrent loans | 522.2525% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 4,528 |
| Noncurrent loans to loans | 0.2497% | 4,370 |
| Net loans and leases to total assets | 83.6529% | 444 |
| Net loans and leases to deposits | 106.7060% | 354 |
| Net loans and leases to core deposits | 127.8645% | 337 |
| Total domestic deposits to total assets | 78.3957% | 4,834 |
| Equity capital to assets | 10.0676% | 4,075 |
| Core capital (leverage) ratio | 10.4519% | 3,046 |
| Tier 1 risk-based capital ratio | 11.6388% | 5,019 |
| Total risk-based capital ratio | 12.8898% | 4,923 |
| Memoranda: | ||
| Average total assets | $1,452,884,250 | 522 |
| Average earning assets | $1,380,244,750 | 504 |
| Average equity | $151,230,500 | 525 |
| Average total loans | $1,233,099,000 | 434 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,253 |
| Cost of funding earning assets | 0.6976% | 814 |
| Net interest margin | 3.5728% | 3,198 |
| Noninterest income to average assets | 0.1928% | 5,342 |
| Noninterest expense to average assets | 1.7527% | 5,642 |
| Loan and lease loss provision to assets | 0.2748% | 676 |
| Net operating income to assets | 1.0594% | 2,130 |
| Return on assets (ROA) | 1.0682% | 2,215 |
| Pretax return on assets | 1.5691% | 1,461 |
| Return on Equity (ROE) | 10.1400% | 1,989 |
| Retained earnings to average equity (ytd only) | 10.1400% | 568 |
| Net charge-offs to loans | 0.0027% | 3,614 |
| Credit loss provision to net charge-offs | 12,168.7500% | 23 |
| Earnings coverage of net charge-offs (x) | 810.7500% | 65 |
| Efficiency ratio | 48.9090% | 5,626 |
| Assets per employee ($millions) | 12.4932% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 2,990 |
| Loan loss allowance to noncurrent loans | 433.4949% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 4,379 |
| Noncurrent loans to loans | 0.2917% | 4,327 |
| Net loans and leases to total assets | 83.1493% | 496 |
| Net loans and leases to deposits | 105.7763% | 378 |
| Net loans and leases to core deposits | 123.0846% | 434 |
| Total domestic deposits to total assets | 78.6087% | 4,873 |
| Equity capital to assets | 10.1071% | 4,083 |
| Core capital (leverage) ratio | 10.5921% | 2,856 |
| Tier 1 risk-based capital ratio | 11.7643% | 5,001 |
| Total risk-based capital ratio | 13.0144% | 4,874 |
| Memoranda: | ||
| Average total assets | $1,416,988,000 | 532 |
| Average earning assets | $1,344,829,670 | 516 |
| Average equity | $149,270,000 | 531 |
| Average total loans | $1,203,227,000 | 441 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3135% | 2,083 |
| Cost of funding earning assets | 0.6878% | 857 |
| Net interest margin | 3.6258% | 2,985 |
| Noninterest income to average assets | 0.1811% | 5,411 |
| Noninterest expense to average assets | 1.7911% | 5,663 |
| Loan and lease loss provision to assets | 0.1887% | 1,051 |
| Net operating income to assets | 1.1147% | 1,850 |
| Return on assets (ROA) | 1.1147% | 1,949 |
| Pretax return on assets | 1.6393% | 1,208 |
| Return on Equity (ROE) | 10.3503% | 1,836 |
| Retained earnings to average equity (ytd only) | 10.3503% | 776 |
| Net charge-offs to loans | 0.0017% | 3,060 |
| Credit loss provision to net charge-offs | 12,920.0000% | 26 |
| Earnings coverage of net charge-offs (x) | 1,251.8000% | 32 |
| Efficiency ratio | 49.4916% | 5,653 |
| Assets per employee ($millions) | 11.5166% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 3,245 |
| Loan loss allowance to noncurrent loans | 424.7204% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 4,340 |
| Noncurrent loans to loans | 0.2924% | 4,382 |
| Net loans and leases to total assets | 83.1534% | 441 |
| Net loans and leases to deposits | 106.8224% | 312 |
| Net loans and leases to core deposits | 124.0809% | 368 |
| Total domestic deposits to total assets | 77.8427% | 5,173 |
| Equity capital to assets | 10.5395% | 3,440 |
| Core capital (leverage) ratio | 10.8490% | 2,572 |
| Tier 1 risk-based capital ratio | 12.2428% | 4,756 |
| Total risk-based capital ratio | 13.4816% | 4,667 |
| Memoranda: | ||
| Average total assets | $1,369,643,500 | 547 |
| Average earning assets | $1,298,703,000 | 532 |
| Average equity | $147,512,000 | 537 |
| Average total loans | $1,168,316,000 | 453 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 1,705 |
| Cost of funding earning assets | 0.6553% | 1,043 |
| Net interest margin | 3.8089% | 2,341 |
| Noninterest income to average assets | 0.2717% | 4,930 |
| Noninterest expense to average assets | 2.1028% | 5,253 |
| Loan and lease loss provision to assets | 0.2677% | 689 |
| Net operating income to assets | 0.9706% | 2,521 |
| Return on assets (ROA) | 0.9706% | 2,593 |
| Pretax return on assets | 1.4915% | 1,585 |
| Return on Equity (ROE) | 9.1768% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.1768% | 617 |
| Net charge-offs to loans | -0.0077% | 5,053 |
| Credit loss provision to net charge-offs | -4,036.2500% | 5,710 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4483% | 5,494 |
| Assets per employee ($millions) | 10.7540% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 3,255 |
| Loan loss allowance to noncurrent loans | 255.8505% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 3,588 |
| Noncurrent loans to loans | 0.4841% | 3,747 |
| Net loans and leases to total assets | 85.4095% | 279 |
| Net loans and leases to deposits | 107.3257% | 317 |
| Net loans and leases to core deposits | 124.7173% | 359 |
| Total domestic deposits to total assets | 79.5797% | 4,846 |
| Equity capital to assets | 11.0171% | 2,802 |
| Core capital (leverage) ratio | 10.8438% | 2,567 |
| Tier 1 risk-based capital ratio | 12.1787% | 4,839 |
| Total risk-based capital ratio | 13.3884% | 4,765 |
| Memoranda: | ||
| Average total assets | $1,206,091,400 | 584 |
| Average earning assets | $1,136,897,000 | 566 |
| Average equity | $127,560,800 | 595 |
| Average total loans | $1,040,661,600 | 461 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 1,802 |
| Cost of funding earning assets | 0.6188% | 1,291 |
| Net interest margin | 3.8144% | 2,332 |
| Noninterest income to average assets | 0.2882% | 4,880 |
| Noninterest expense to average assets | 2.1149% | 5,243 |
| Loan and lease loss provision to assets | 0.3258% | 427 |
| Net operating income to assets | 0.9415% | 2,753 |
| Return on assets (ROA) | 0.9415% | 2,856 |
| Pretax return on assets | 1.4390% | 1,868 |
| Return on Equity (ROE) | 9.0076% | 2,573 |
| Retained earnings to average equity (ytd only) | 9.0076% | 902 |
| Net charge-offs to loans | 0.0021% | 4,109 |
| Credit loss provision to net charge-offs | 17,975.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 973.7529% | 80 |
| Efficiency ratio | 54.5128% | 5,472 |
| Assets per employee ($millions) | 10.4526% | 230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 3,535 |
| Loan loss allowance to noncurrent loans | 357.9442% | 1,371 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 4,196 |
| Noncurrent loans to loans | 0.3415% | 4,390 |
| Net loans and leases to total assets | 84.8548% | 317 |
| Net loans and leases to deposits | 105.0943% | 403 |
| Net loans and leases to core deposits | 120.9555% | 445 |
| Total domestic deposits to total assets | 80.7416% | 4,534 |
| Equity capital to assets | 9.7071% | 4,508 |
| Core capital (leverage) ratio | 9.8391% | 3,847 |
| Tier 1 risk-based capital ratio | 10.7507% | 5,781 |
| Total risk-based capital ratio | 11.9379% | 5,735 |
| Memoranda: | ||
| Average total assets | $1,176,928,500 | 605 |
| Average earning assets | $1,108,164,500 | 584 |
| Average equity | $123,019,000 | 626 |
| Average total loans | $1,014,847,750 | 475 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4166% | 1,800 |
| Cost of funding earning assets | 0.5667% | 1,670 |
| Net interest margin | 3.8499% | 2,138 |
| Noninterest income to average assets | 0.2466% | 5,187 |
| Noninterest expense to average assets | 2.1976% | 5,123 |
| Loan and lease loss provision to assets | 0.2447% | 729 |
| Net operating income to assets | 0.9470% | 2,653 |
| Return on assets (ROA) | 0.9470% | 2,768 |
| Pretax return on assets | 1.4427% | 1,828 |
| Return on Equity (ROE) | 8.8182% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.8182% | 982 |
| Net charge-offs to loans | 0.0035% | 3,782 |
| Credit loss provision to net charge-offs | 8,158.8235% | 62 |
| Earnings coverage of net charge-offs (x) | 562.6471% | 119 |
| Efficiency ratio | 56.5662% | 5,375 |
| Assets per employee ($millions) | 9.4401% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1829% | 3,891 |
| Loan loss allowance to noncurrent loans | 305.4446% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.4001% | 4,303 |
| Noncurrent loans to loans | 0.3873% | 4,321 |
| Net loans and leases to total assets | 84.5536% | 334 |
| Net loans and leases to deposits | 106.8258% | 344 |
| Net loans and leases to core deposits | 120.5943% | 454 |
| Total domestic deposits to total assets | 79.1509% | 5,065 |
| Equity capital to assets | 10.2850% | 3,705 |
| Core capital (leverage) ratio | 10.7053% | 2,728 |
| Tier 1 risk-based capital ratio | 11.4365% | 5,505 |
| Total risk-based capital ratio | 12.5898% | 5,480 |
| Memoranda: | ||
| Average total assets | $1,133,713,000 | 628 |
| Average earning assets | $1,071,414,000 | 607 |
| Average equity | $121,748,330 | 634 |
| Average total loans | $978,993,330 | 486 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 1,959 |
| Cost of funding earning assets | 0.5333% | 1,982 |
| Net interest margin | 3.8104% | 2,196 |
| Noninterest income to average assets | 0.2083% | 5,463 |
| Noninterest expense to average assets | 2.2047% | 5,129 |
| Loan and lease loss provision to assets | 0.2674% | 593 |
| Net operating income to assets | 0.8989% | 2,746 |
| Return on assets (ROA) | 0.8989% | 2,873 |
| Pretax return on assets | 1.3437% | 2,107 |
| Return on Equity (ROE) | 8.1803% | 2,866 |
| Retained earnings to average equity (ytd only) | 8.1803% | 1,499 |
| Net charge-offs to loans | -0.0013% | 4,333 |
| Credit loss provision to net charge-offs | -24,433.3333% | 5,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7780% | 5,363 |
| Assets per employee ($millions) | 8.6486% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 4,044 |
| Loan loss allowance to noncurrent loans | 281.5246% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4506% | 4,233 |
| Noncurrent loans to loans | 0.4222% | 4,326 |
| Net loans and leases to total assets | 87.7691% | 119 |
| Net loans and leases to deposits | 114.7426% | 150 |
| Net loans and leases to core deposits | 136.7913% | 179 |
| Total domestic deposits to total assets | 76.4922% | 5,684 |
| Equity capital to assets | 11.0747% | 2,892 |
| Core capital (leverage) ratio | 10.9938% | 2,420 |
| Tier 1 risk-based capital ratio | 12.0794% | 5,187 |
| Total risk-based capital ratio | 13.2630% | 5,125 |
| Memoranda: | ||
| Average total assets | $1,096,401,000 | 646 |
| Average earning assets | $1,038,005,000 | 620 |
| Average equity | $120,484,000 | 641 |
| Average total loans | $951,528,500 | 496 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2099% | 2,920 |
| Cost of funding earning assets | 0.4700% | 2,981 |
| Net interest margin | 3.7399% | 2,849 |
| Noninterest income to average assets | 0.3284% | 4,767 |
| Noninterest expense to average assets | 2.5882% | 4,262 |
| Loan and lease loss provision to assets | 0.2408% | 979 |
| Net operating income to assets | 0.6994% | 3,894 |
| Return on assets (ROA) | 0.6994% | 4,014 |
| Pretax return on assets | 1.0367% | 3,364 |
| Return on Equity (ROE) | 6.9755% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.9755% | 1,422 |
| Net charge-offs to loans | -0.0449% | 5,893 |
| Credit loss provision to net charge-offs | -660.1227% | 5,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9522% | 4,065 |
| Assets per employee ($millions) | 8.6859% | 401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 4,161 |
| Loan loss allowance to noncurrent loans | 161.3191% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.7019% | 3,468 |
| Noncurrent loans to loans | 0.7259% | 3,508 |
| Net loans and leases to total assets | 83.7486% | 361 |
| Net loans and leases to deposits | 108.8457% | 271 |
| Net loans and leases to core deposits | 129.6628% | 249 |
| Total domestic deposits to total assets | 76.9425% | 5,608 |
| Equity capital to assets | 10.9031% | 3,008 |
| Core capital (leverage) ratio | 11.1230% | 2,288 |
| Tier 1 risk-based capital ratio | 12.4708% | 5,048 |
| Total risk-based capital ratio | 13.5497% | 5,070 |
| Memoranda: | ||
| Average total assets | $893,754,600 | 744 |
| Average earning assets | $845,338,000 | 724 |
| Average equity | $89,614,200 | 820 |
| Average total loans | $726,687,000 | 599 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 3,344 |
| Cost of funding earning assets | 0.4552% | 3,187 |
| Net interest margin | 3.6525% | 3,214 |
| Noninterest income to average assets | 0.3370% | 4,744 |
| Noninterest expense to average assets | 2.4820% | 4,586 |
| Loan and lease loss provision to assets | 0.1339% | 1,868 |
| Net operating income to assets | 0.7795% | 3,515 |
| Return on assets (ROA) | 0.7795% | 3,620 |
| Pretax return on assets | 1.1745% | 2,894 |
| Return on Equity (ROE) | 8.0011% | 3,203 |
| Retained earnings to average equity (ytd only) | 8.0011% | 1,362 |
| Net charge-offs to loans | -0.0637% | 6,006 |
| Credit loss provision to net charge-offs | -262.2291% | 5,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4824% | 4,301 |
| Assets per employee ($millions) | 8.6994% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 3,691 |
| Loan loss allowance to noncurrent loans | 304.8835% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4466% | 4,567 |
| Noncurrent loans to loans | 0.4236% | 4,637 |
| Net loans and leases to total assets | 82.2850% | 485 |
| Net loans and leases to deposits | 103.9385% | 410 |
| Net loans and leases to core deposits | 116.6488% | 480 |
| Total domestic deposits to total assets | 79.1671% | 5,285 |
| Equity capital to assets | 11.8035% | 2,216 |
| Core capital (leverage) ratio | 11.9261% | 1,741 |
| Tier 1 risk-based capital ratio | 14.0185% | 4,203 |
| Total risk-based capital ratio | 15.2691% | 4,138 |
| Memoranda: | ||
| Average total assets | $843,586,500 | 804 |
| Average earning assets | $797,607,250 | 766 |
| Average equity | $82,186,250 | 894 |
| Average total loans | $676,502,000 | 640 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0511% | 3,535 |
| Cost of funding earning assets | 0.4177% | 3,685 |
| Net interest margin | 3.6334% | 3,215 |
| Noninterest income to average assets | 0.3380% | 4,722 |
| Noninterest expense to average assets | 2.5578% | 4,390 |
| Loan and lease loss provision to assets | 0.0678% | 2,908 |
| Net operating income to assets | 0.7677% | 3,474 |
| Return on assets (ROA) | 0.7677% | 3,581 |
| Pretax return on assets | 1.1539% | 2,863 |
| Return on Equity (ROE) | 8.5229% | 2,827 |
| Retained earnings to average equity (ytd only) | 8.5229% | 1,136 |
| Net charge-offs to loans | -0.0983% | 6,136 |
| Credit loss provision to net charge-offs | -87.2671% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6752% | 4,068 |
| Assets per employee ($millions) | 8.7121% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 3,754 |
| Loan loss allowance to noncurrent loans | 301.1059% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 4,732 |
| Noncurrent loans to loans | 0.4383% | 4,671 |
| Net loans and leases to total assets | 74.8683% | 1,321 |
| Net loans and leases to deposits | 90.5619% | 1,315 |
| Net loans and leases to core deposits | 103.0601% | 1,080 |
| Total domestic deposits to total assets | 82.6709% | 4,427 |
| Equity capital to assets | 11.4792% | 2,446 |
| Core capital (leverage) ratio | 12.4948% | 1,399 |
| Tier 1 risk-based capital ratio | 15.2294% | 3,507 |
| Total risk-based capital ratio | 16.4807% | 3,456 |
| Memoranda: | ||
| Average total assets | $829,002,000 | 820 |
| Average earning assets | $785,210,670 | 784 |
| Average equity | $74,669,330 | 978 |
| Average total loans | $655,436,000 | 655 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1709% | 2,979 |
| Cost of funding earning assets | 0.3825% | 4,163 |
| Net interest margin | 3.7883% | 2,517 |
| Noninterest income to average assets | 0.3739% | 4,395 |
| Noninterest expense to average assets | 2.6894% | 3,969 |
| Loan and lease loss provision to assets | 0.1062% | 2,151 |
| Net operating income to assets | 0.7866% | 3,218 |
| Return on assets (ROA) | 0.7866% | 3,298 |
| Pretax return on assets | 1.1716% | 2,606 |
| Return on Equity (ROE) | 10.3339% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.3339% | 890 |
| Net charge-offs to loans | -0.0062% | 4,876 |
| Credit loss provision to net charge-offs | -2,110.0000% | 5,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7914% | 4,212 |
| Assets per employee ($millions) | 7.8530% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,055 |
| Loan loss allowance to noncurrent loans | 154.5079% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7910% | 3,765 |
| Noncurrent loans to loans | 0.8498% | 3,769 |
| Net loans and leases to total assets | 79.9381% | 556 |
| Net loans and leases to deposits | 94.2215% | 768 |
| Net loans and leases to core deposits | 108.6389% | 647 |
| Total domestic deposits to total assets | 84.8405% | 3,938 |
| Equity capital to assets | 7.5876% | 6,283 |
| Core capital (leverage) ratio | 7.8972% | 6,178 |
| Tier 1 risk-based capital ratio | 9.4914% | 6,548 |
| Total risk-based capital ratio | 10.7423% | 6,533 |
| Memoranda: | ||
| Average total assets | $794,832,000 | 861 |
| Average earning assets | $753,896,000 | 826 |
| Average equity | $60,500,000 | 1,202 |
| Average total loans | $642,749,000 | 666 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 2,734 |
| Cost of funding earning assets | 0.4333% | 4,282 |
| Net interest margin | 3.9263% | 2,197 |
| Noninterest income to average assets | 0.6077% | 3,043 |
| Noninterest expense to average assets | 2.9508% | 3,196 |
| Loan and lease loss provision to assets | 0.0872% | 3,360 |
| Net operating income to assets | 0.9294% | 2,649 |
| Return on assets (ROA) | 0.9961% | 2,415 |
| Pretax return on assets | 1.4394% | 1,654 |
| Return on Equity (ROE) | 12.7085% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.7085% | 258 |
| Net charge-offs to loans | 0.0251% | 4,920 |
| Credit loss provision to net charge-offs | 406.2500% | 560 |
| Earnings coverage of net charge-offs (x) | 66.5903% | 630 |
| Efficiency ratio | 67.2953% | 4,326 |
| Assets per employee ($millions) | 7.2297% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 3,979 |
| Loan loss allowance to noncurrent loans | 171.9385% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 4,053 |
| Noncurrent loans to loans | 0.7734% | 4,031 |
| Net loans and leases to total assets | 79.6520% | 632 |
| Net loans and leases to deposits | 92.6220% | 995 |
| Net loans and leases to core deposits | 103.4648% | 946 |
| Total domestic deposits to total assets | 85.9968% | 3,257 |
| Equity capital to assets | 7.6366% | 6,217 |
| Core capital (leverage) ratio | 7.9145% | 6,195 |
| Tier 1 risk-based capital ratio | 9.4856% | 6,604 |
| Total risk-based capital ratio | 10.7361% | 6,587 |
| Memoranda: | ||
| Average total assets | $670,534,200 | 992 |
| Average earning assets | $644,368,400 | 941 |
| Average equity | $52,555,400 | 1,350 |
| Average total loans | $574,555,200 | 732 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4389% | 2,463 |
| Cost of funding earning assets | 0.4263% | 4,534 |
| Net interest margin | 4.0126% | 1,900 |
| Noninterest income to average assets | 0.4604% | 4,078 |
| Noninterest expense to average assets | 2.7796% | 3,728 |
| Loan and lease loss provision to assets | 0.1014% | 3,073 |
| Net operating income to assets | 0.9237% | 2,720 |
| Return on assets (ROA) | 1.0097% | 2,424 |
| Pretax return on assets | 1.5936% | 1,348 |
| Return on Equity (ROE) | 12.7824% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.7824% | 353 |
| Net charge-offs to loans | 0.0364% | 4,415 |
| Credit loss provision to net charge-offs | 319.6078% | 806 |
| Earnings coverage of net charge-offs (x) | 49.1907% | 874 |
| Efficiency ratio | 64.0420% | 4,791 |
| Assets per employee ($millions) | 7.6440% | 553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4207% | 3,809 |
| Loan loss allowance to noncurrent loans | 581.6585% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 5,815 |
| Noncurrent loans to loans | 0.2442% | 5,623 |
| Net loans and leases to total assets | 84.4223% | 222 |
| Net loans and leases to deposits | 102.9975% | 330 |
| Net loans and leases to core deposits | 117.0775% | 374 |
| Total domestic deposits to total assets | 81.9653% | 4,943 |
| Equity capital to assets | 7.7745% | 6,273 |
| Core capital (leverage) ratio | 7.8392% | 6,309 |
| Tier 1 risk-based capital ratio | 9.5356% | 6,680 |
| Total risk-based capital ratio | 10.7888% | 6,655 |
| Memoranda: | ||
| Average total assets | $642,965,500 | 1,048 |
| Average earning assets | $621,697,250 | 987 |
| Average equity | $50,787,500 | 1,405 |
| Average total loans | $560,616,000 | 745 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4043% | 2,550 |
| Cost of funding earning assets | 0.3785% | 5,156 |
| Net interest margin | 4.0258% | 1,773 |
| Noninterest income to average assets | 0.2663% | 5,544 |
| Noninterest expense to average assets | 2.6018% | 4,379 |
| Loan and lease loss provision to assets | 0.0919% | 3,252 |
| Net operating income to assets | 0.9384% | 2,624 |
| Return on assets (ROA) | 1.1148% | 1,996 |
| Pretax return on assets | 1.7439% | 1,027 |
| Return on Equity (ROE) | 14.3557% | 936 |
| Retained earnings to average equity (ytd only) | 14.3557% | 278 |
| Net charge-offs to loans | 0.0778% | 3,605 |
| Credit loss provision to net charge-offs | 135.8491% | 1,663 |
| Earnings coverage of net charge-offs (x) | 23.0692% | 1,342 |
| Efficiency ratio | 62.5141% | 5,095 |
| Assets per employee ($millions) | 6.5217% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 3,930 |
| Loan loss allowance to noncurrent loans | 508.1719% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.2513% | 5,734 |
| Noncurrent loans to loans | 0.2802% | 5,602 |
| Net loans and leases to total assets | 86.5382% | 129 |
| Net loans and leases to deposits | 109.9596% | 143 |
| Net loans and leases to core deposits | 129.2674% | 196 |
| Total domestic deposits to total assets | 78.6999% | 5,851 |
| Equity capital to assets | 7.7450% | 6,340 |
| Core capital (leverage) ratio | 7.6533% | 6,390 |
| Tier 1 risk-based capital ratio | 9.3050% | 6,740 |
| Total risk-based capital ratio | 10.5584% | 6,727 |
| Memoranda: | ||
| Average total assets | $470,216,330 | 1,410 |
| Average earning assets | $455,013,000 | 1,340 |
| Average equity | $36,515,000 | 1,913 |
| Average total loans | $408,900,000 | 1,037 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 2,697 |
| Cost of funding earning assets | 0.3621% | 5,436 |
| Net interest margin | 3.9863% | 1,843 |
| Noninterest income to average assets | 0.2302% | 5,814 |
| Noninterest expense to average assets | 2.4628% | 4,898 |
| Loan and lease loss provision to assets | 0.1121% | 2,834 |
| Net operating income to assets | 0.9819% | 2,312 |
| Return on assets (ROA) | 0.9819% | 2,439 |
| Pretax return on assets | 1.5180% | 1,518 |
| Return on Equity (ROE) | 12.6263% | 1,260 |
| Retained earnings to average equity (ytd only) | 12.6263% | 607 |
| Net charge-offs to loans | -0.0030% | 5,194 |
| Credit loss provision to net charge-offs | -4,333.3333% | 5,859 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1727% | 5,564 |
| Assets per employee ($millions) | 6.7049% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 3,897 |
| Loan loss allowance to noncurrent loans | 533.4498% | 810 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 5,822 |
| Noncurrent loans to loans | 0.2776% | 5,708 |
| Net loans and leases to total assets | 85.3688% | 146 |
| Net loans and leases to deposits | 113.0752% | 101 |
| Net loans and leases to core deposits | 138.9816% | 127 |
| Total domestic deposits to total assets | 75.4974% | 6,416 |
| Equity capital to assets | 7.6904% | 6,529 |
| Core capital (leverage) ratio | 7.8994% | 6,217 |
| Tier 1 risk-based capital ratio | 8.9720% | 6,812 |
| Total risk-based capital ratio | 10.2258% | 6,815 |
| Memoranda: | ||
| Average total assets | $464,020,000 | 1,445 |
| Average earning assets | $449,643,500 | 1,371 |
| Average equity | $36,083,500 | 1,957 |
| Average total loans | $401,513,500 | 1,055 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 2,869 |
| Cost of funding earning assets | 0.5788% | 4,553 |
| Net interest margin | 4.0541% | 2,173 |
| Noninterest income to average assets | 0.0745% | 6,606 |
| Noninterest expense to average assets | 2.6291% | 4,647 |
| Loan and lease loss provision to assets | 0.3652% | 1,801 |
| Net operating income to assets | 0.6698% | 3,887 |
| Return on assets (ROA) | 0.6660% | 4,174 |
| Pretax return on assets | 0.9927% | 3,573 |
| Return on Equity (ROE) | 7.9867% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.9867% | 1,127 |
| Net charge-offs to loans | 0.0908% | 4,763 |
| Credit loss provision to net charge-offs | 485.2459% | 502 |
| Earnings coverage of net charge-offs (x) | 18.1180% | 1,459 |
| Efficiency ratio | 65.8488% | 4,534 |
| Assets per employee ($millions) | 6.8483% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5300% | 3,618 |
| Loan loss allowance to noncurrent loans | 215.2378% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.8270% | 4,404 |
| Noncurrent loans to loans | 0.7108% | 4,764 |
| Net loans and leases to total assets | 85.0784% | 169 |
| Net loans and leases to deposits | 114.4905% | 105 |
| Net loans and leases to core deposits | 136.7218% | 143 |
| Total domestic deposits to total assets | 74.3104% | 6,501 |
| Equity capital to assets | 7.8668% | 6,473 |
| Core capital (leverage) ratio | 7.8820% | 6,295 |
| Tier 1 risk-based capital ratio | 9.0889% | 6,846 |
| Total risk-based capital ratio | 10.3431% | 6,841 |
| Memoranda: | ||
| Average total assets | $405,272,200 | 1,621 |
| Average earning assets | $391,673,200 | 1,535 |
| Average equity | $33,793,600 | 2,042 |
| Average total loans | $335,854,800 | 1,253 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 2,966 |
| Cost of funding earning assets | 0.5956% | 4,695 |
| Net interest margin | 4.0650% | 2,230 |
| Noninterest income to average assets | 0.0772% | 6,703 |
| Noninterest expense to average assets | 2.7185% | 4,294 |
| Loan and lease loss provision to assets | 0.4444% | 1,418 |
| Net operating income to assets | 0.5782% | 4,485 |
| Return on assets (ROA) | 0.5728% | 4,784 |
| Pretax return on assets | 0.8343% | 4,364 |
| Return on Equity (ROE) | 6.7599% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.7599% | 2,244 |
| Net charge-offs to loans | 0.1283% | 4,099 |
| Credit loss provision to net charge-offs | 423.2258% | 633 |
| Earnings coverage of net charge-offs (x) | 12.2517% | 2,013 |
| Efficiency ratio | 67.8762% | 4,093 |
| Assets per employee ($millions) | 7.1281% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5823% | 3,593 |
| Loan loss allowance to noncurrent loans | 111.2773% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.2313% | 3,827 |
| Noncurrent loans to loans | 1.4220% | 3,668 |
| Net loans and leases to total assets | 84.3781% | 206 |
| Net loans and leases to deposits | 109.7435% | 162 |
| Net loans and leases to core deposits | 132.9371% | 168 |
| Total domestic deposits to total assets | 76.8867% | 6,251 |
| Equity capital to assets | 8.0961% | 6,550 |
| Core capital (leverage) ratio | 8.0524% | 6,284 |
| Tier 1 risk-based capital ratio | 9.3531% | 6,912 |
| Total risk-based capital ratio | 10.6081% | 6,908 |
| Memoranda: | ||
| Average total assets | $393,593,000 | 1,685 |
| Average earning assets | $380,305,750 | 1,589 |
| Average equity | $33,352,750 | 2,083 |
| Average total loans | $322,188,500 | 1,315 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 2,964 |
| Cost of funding earning assets | 0.5830% | 5,049 |
| Net interest margin | 4.1051% | 2,072 |
| Noninterest income to average assets | 0.0842% | 6,739 |
| Noninterest expense to average assets | 2.6377% | 4,661 |
| Loan and lease loss provision to assets | 0.5311% | 1,179 |
| Net operating income to assets | 0.6053% | 4,351 |
| Return on assets (ROA) | 0.5970% | 4,639 |
| Pretax return on assets | 0.8712% | 4,194 |
| Return on Equity (ROE) | 6.9302% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.9302% | 2,143 |
| Net charge-offs to loans | 0.2050% | 3,344 |
| Credit loss provision to net charge-offs | 322.2222% | 917 |
| Earnings coverage of net charge-offs (x) | 8.5810% | 2,270 |
| Efficiency ratio | 65.0956% | 4,707 |
| Assets per employee ($millions) | 6.6597% | 880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6392% | 3,463 |
| Loan loss allowance to noncurrent loans | 99.1885% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 1.4645% | 3,512 |
| Noncurrent loans to loans | 1.6526% | 3,423 |
| Net loans and leases to total assets | 82.5930% | 301 |
| Net loans and leases to deposits | 106.0134% | 235 |
| Net loans and leases to core deposits | 127.3710% | 232 |
| Total domestic deposits to total assets | 77.9081% | 6,173 |
| Equity capital to assets | 8.4446% | 6,265 |
| Core capital (leverage) ratio | 8.2792% | 5,945 |
| Tier 1 risk-based capital ratio | 9.8868% | 6,853 |
| Total risk-based capital ratio | 11.1420% | 6,839 |
| Memoranda: | ||
| Average total assets | $382,228,000 | 1,727 |
| Average earning assets | $369,444,670 | 1,639 |
| Average equity | $32,928,330 | 2,089 |
| Average total loans | $307,359,000 | 1,372 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 2,885 |
| Cost of funding earning assets | 0.5614% | 5,423 |
| Net interest margin | 4.1789% | 1,821 |
| Noninterest income to average assets | 0.0964% | 6,763 |
| Noninterest expense to average assets | 2.6588% | 4,589 |
| Loan and lease loss provision to assets | 0.7024% | 743 |
| Net operating income to assets | 0.5441% | 4,628 |
| Return on assets (ROA) | 0.5268% | 4,914 |
| Pretax return on assets | 0.7517% | 4,599 |
| Return on Equity (ROE) | 6.0515% | 4,258 |
| Retained earnings to average equity (ytd only) | 6.0515% | 2,924 |
| Net charge-offs to loans | 0.3492% | 2,257 |
| Credit loss provision to net charge-offs | 256.2500% | 1,119 |
| Earnings coverage of net charge-offs (x) | 5.3945% | 2,384 |
| Efficiency ratio | 64.2598% | 4,879 |
| Assets per employee ($millions) | 6.6332% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6462% | 3,557 |
| Loan loss allowance to noncurrent loans | 143.6861% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.9407% | 4,625 |
| Noncurrent loans to loans | 1.1457% | 4,421 |
| Net loans and leases to total assets | 80.7523% | 348 |
| Net loans and leases to deposits | 101.4479% | 327 |
| Net loans and leases to core deposits | 123.6640% | 259 |
| Total domestic deposits to total assets | 79.5998% | 5,947 |
| Equity capital to assets | 8.5539% | 6,037 |
| Core capital (leverage) ratio | 8.7453% | 5,214 |
| Tier 1 risk-based capital ratio | 10.2413% | 6,815 |
| Total risk-based capital ratio | 11.4964% | 6,815 |
| Memoranda: | ||
| Average total assets | $373,551,500 | 1,775 |
| Average earning assets | $361,242,000 | 1,679 |
| Average equity | $32,521,000 | 2,117 |
| Average total loans | $293,275,500 | 1,449 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7901% | 3,862 |
| Cost of funding earning assets | 0.6626% | 5,755 |
| Net interest margin | 4.1275% | 2,320 |
| Noninterest income to average assets | 0.1913% | 6,133 |
| Noninterest expense to average assets | 2.7880% | 4,391 |
| Loan and lease loss provision to assets | 0.2147% | 4,049 |
| Net operating income to assets | 0.7683% | 3,186 |
| Return on assets (ROA) | 0.8175% | 3,129 |
| Pretax return on assets | 1.2241% | 2,373 |
| Return on Equity (ROE) | 9.8758% | 2,100 |
| Retained earnings to average equity (ytd only) | 9.8758% | 594 |
| Net charge-offs to loans | 0.0263% | 6,068 |
| Credit loss provision to net charge-offs | 1,131.2500% | 192 |
| Earnings coverage of net charge-offs (x) | 71.9375% | 416 |
| Efficiency ratio | 67.1284% | 4,549 |
| Assets per employee ($millions) | 6.2479% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7733% | 2,955 |
| Loan loss allowance to noncurrent loans | 128.4109% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 4,545 |
| Noncurrent loans to loans | 1.3810% | 4,074 |
| Net loans and leases to total assets | 73.3700% | 1,379 |
| Net loans and leases to deposits | 93.5531% | 840 |
| Net loans and leases to core deposits | 114.7992% | 471 |
| Total domestic deposits to total assets | 78.4261% | 6,110 |
| Equity capital to assets | 8.8673% | 5,713 |
| Core capital (leverage) ratio | 8.7083% | 5,238 |
| Tier 1 risk-based capital ratio | 11.0732% | 6,417 |
| Total risk-based capital ratio | 12.3286% | 6,394 |
| Memoranda: | ||
| Average total assets | $337,235,000 | 1,917 |
| Average earning assets | $323,706,800 | 1,826 |
| Average equity | $27,916,800 | 2,331 |
| Average total loans | $243,340,600 | 1,719 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7336% | 4,304 |
| Cost of funding earning assets | 0.6907% | 5,822 |
| Net interest margin | 4.0429% | 2,723 |
| Noninterest income to average assets | 0.2091% | 6,120 |
| Noninterest expense to average assets | 2.9015% | 3,927 |
| Loan and lease loss provision to assets | 0.1426% | 4,659 |
| Net operating income to assets | 0.7017% | 3,614 |
| Return on assets (ROA) | 0.7465% | 3,562 |
| Pretax return on assets | 1.1063% | 2,983 |
| Return on Equity (ROE) | 9.1971% | 2,505 |
| Retained earnings to average equity (ytd only) | 9.1971% | 1,079 |
| Net charge-offs to loans | 0.0389% | 5,604 |
| Credit loss provision to net charge-offs | 513.0435% | 534 |
| Earnings coverage of net charge-offs (x) | 42.5207% | 741 |
| Efficiency ratio | 71.0537% | 3,733 |
| Assets per employee ($millions) | 7.7518% | 526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7008% | 3,266 |
| Loan loss allowance to noncurrent loans | 91.7669% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3523% | 4,116 |
| Noncurrent loans to loans | 1.8534% | 3,563 |
| Net loans and leases to total assets | 71.7226% | 1,772 |
| Net loans and leases to deposits | 90.4238% | 1,163 |
| Net loans and leases to core deposits | 110.1216% | 667 |
| Total domestic deposits to total assets | 79.3183% | 5,911 |
| Equity capital to assets | 8.7351% | 6,045 |
| Core capital (leverage) ratio | 8.9771% | 4,970 |
| Tier 1 risk-based capital ratio | 11.4743% | 6,254 |
| Total risk-based capital ratio | 12.7294% | 6,245 |
| Memoranda: | ||
| Average total assets | $330,949,500 | 1,961 |
| Average earning assets | $317,155,250 | 1,865 |
| Average equity | $26,862,750 | 2,406 |
| Average total loans | $236,506,750 | 1,788 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7776% | 4,188 |
| Cost of funding earning assets | 0.7312% | 5,772 |
| Net interest margin | 4.0464% | 2,627 |
| Noninterest income to average assets | 0.2649% | 5,756 |
| Noninterest expense to average assets | 3.0390% | 3,487 |
| Loan and lease loss provision to assets | 0.1117% | 4,905 |
| Net operating income to assets | 0.6556% | 3,772 |
| Return on assets (ROA) | 0.7246% | 3,537 |
| Pretax return on assets | 1.0757% | 2,952 |
| Return on Equity (ROE) | 9.1844% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.1844% | 1,050 |
| Net charge-offs to loans | -0.0087% | 6,659 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7024% | 3,415 |
| Assets per employee ($millions) | 6.1098% | 1,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8545% | 2,815 |
| Loan loss allowance to noncurrent loans | 192.2735% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6702% | 5,562 |
| Noncurrent loans to loans | 0.9645% | 5,058 |
| Net loans and leases to total assets | 68.1944% | 2,581 |
| Net loans and leases to deposits | 82.4246% | 2,383 |
| Net loans and leases to core deposits | 101.0838% | 1,251 |
| Total domestic deposits to total assets | 82.7354% | 4,888 |
| Equity capital to assets | 7.8368% | 6,780 |
| Core capital (leverage) ratio | 7.9784% | 6,325 |
| Tier 1 risk-based capital ratio | 11.0740% | 6,465 |
| Total risk-based capital ratio | 12.3328% | 6,448 |
| Memoranda: | ||
| Average total assets | $322,404,330 | 2,009 |
| Average earning assets | $307,434,000 | 1,930 |
| Average equity | $25,434,330 | 2,516 |
| Average total loans | $228,616,670 | 1,855 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7435% | 4,319 |
| Cost of funding earning assets | 0.7992% | 5,581 |
| Net interest margin | 3.9443% | 2,939 |
| Noninterest income to average assets | 0.2966% | 5,544 |
| Noninterest expense to average assets | 3.1332% | 3,129 |
| Loan and lease loss provision to assets | 0.2091% | 3,551 |
| Net operating income to assets | 0.5057% | 4,467 |
| Return on assets (ROA) | 0.5057% | 4,550 |
| Pretax return on assets | 0.7199% | 4,223 |
| Return on Equity (ROE) | 6.3881% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.3881% | 2,425 |
| Net charge-offs to loans | -0.0088% | 6,338 |
| Credit loss provision to net charge-offs | -3,300.0000% | 6,323 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1295% | 2,965 |
| Assets per employee ($millions) | 5.0182% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 2,875 |
| Loan loss allowance to noncurrent loans | 190.6236% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7040% | 5,525 |
| Noncurrent loans to loans | 0.9665% | 5,114 |
| Net loans and leases to total assets | 71.4946% | 1,815 |
| Net loans and leases to deposits | 86.7028% | 1,619 |
| Net loans and leases to core deposits | 107.6877% | 857 |
| Total domestic deposits to total assets | 82.4594% | 5,124 |
| Equity capital to assets | 7.8667% | 6,622 |
| Core capital (leverage) ratio | 7.8006% | 6,462 |
| Tier 1 risk-based capital ratio | 10.8203% | 6,629 |
| Total risk-based capital ratio | 12.0777% | 6,604 |
| Memoranda: | ||
| Average total assets | $315,586,000 | 2,065 |
| Average earning assets | $301,298,500 | 1,980 |
| Average equity | $24,984,000 | 2,545 |
| Average total loans | $226,179,500 | 1,888 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 4,353 |
| Cost of funding earning assets | 0.9562% | 5,903 |
| Net interest margin | 4.0865% | 2,633 |
| Noninterest income to average assets | 0.3736% | 5,105 |
| Noninterest expense to average assets | 3.2552% | 2,896 |
| Loan and lease loss provision to assets | 0.3437% | 4,082 |
| Net operating income to assets | 0.4450% | 4,340 |
| Return on assets (ROA) | 0.4452% | 4,502 |
| Pretax return on assets | 0.6399% | 4,200 |
| Return on Equity (ROE) | 5.3647% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.3647% | 2,205 |
| Net charge-offs to loans | 0.1196% | 5,690 |
| Credit loss provision to net charge-offs | 374.9004% | 674 |
| Earnings coverage of net charge-offs (x) | 10.7251% | 1,678 |
| Efficiency ratio | 76.8031% | 2,902 |
| Assets per employee ($millions) | 4.9208% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8953% | 2,580 |
| Loan loss allowance to noncurrent loans | 182.0580% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.7335% | 5,535 |
| Noncurrent loans to loans | 1.0410% | 4,986 |
| Net loans and leases to total assets | 69.1253% | 2,734 |
| Net loans and leases to deposits | 85.0640% | 2,270 |
| Net loans and leases to core deposits | 105.8294% | 1,201 |
| Total domestic deposits to total assets | 81.2627% | 5,434 |
| Equity capital to assets | 7.9685% | 6,524 |
| Core capital (leverage) ratio | 8.1518% | 5,909 |
| Tier 1 risk-based capital ratio | 11.8624% | 5,606 |
| Total risk-based capital ratio | 13.1215% | 5,583 |
| Memoranda: | ||
| Average total assets | $273,805,800 | 2,330 |
| Average earning assets | $258,948,400 | 2,268 |
| Average equity | $22,722,800 | 2,800 |
| Average total loans | $209,909,600 | 2,079 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1886% | 3,890 |
| Cost of funding earning assets | 0.9686% | 6,084 |
| Net interest margin | 4.2200% | 2,149 |
| Noninterest income to average assets | 0.3006% | 5,741 |
| Noninterest expense to average assets | 3.0684% | 3,492 |
| Loan and lease loss provision to assets | 0.4296% | 3,331 |
| Net operating income to assets | 0.5274% | 4,192 |
| Return on assets (ROA) | 0.5278% | 4,369 |
| Pretax return on assets | 0.7745% | 3,994 |
| Return on Equity (ROE) | 6.2863% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.2863% | 2,210 |
| Net charge-offs to loans | 0.1623% | 5,021 |
| Credit loss provision to net charge-offs | 337.1542% | 940 |
| Earnings coverage of net charge-offs (x) | 9.4468% | 2,022 |
| Efficiency ratio | 71.8260% | 3,733 |
| Assets per employee ($millions) | 4.8451% | 2,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 2,281 |
| Loan loss allowance to noncurrent loans | 178.1003% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 2.0141% | 3,449 |
| Noncurrent loans to loans | 1.1108% | 5,025 |
| Net loans and leases to total assets | 71.4054% | 2,380 |
| Net loans and leases to deposits | 89.4287% | 1,800 |
| Net loans and leases to core deposits | 117.6807% | 693 |
| Total domestic deposits to total assets | 79.8461% | 5,757 |
| Equity capital to assets | 8.2094% | 6,605 |
| Core capital (leverage) ratio | 8.2926% | 5,882 |
| Tier 1 risk-based capital ratio | 12.1509% | 5,317 |
| Total risk-based capital ratio | 13.4122% | 5,272 |
| Memoranda: | ||
| Average total assets | $264,755,250 | 2,446 |
| Average earning assets | $249,157,250 | 2,383 |
| Average equity | $22,227,750 | 2,896 |
| Average total loans | $207,778,500 | 2,119 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3255% | 3,344 |
| Cost of funding earning assets | 0.9953% | 6,166 |
| Net interest margin | 4.3301% | 1,672 |
| Noninterest income to average assets | 0.2877% | 5,847 |
| Noninterest expense to average assets | 2.9159% | 4,017 |
| Loan and lease loss provision to assets | 0.5252% | 2,688 |
| Net operating income to assets | 0.6116% | 3,830 |
| Return on assets (ROA) | 0.6116% | 3,964 |
| Pretax return on assets | 0.9162% | 3,429 |
| Return on Equity (ROE) | 7.2265% | 3,205 |
| Retained earnings to average equity (ytd only) | 7.2265% | 1,743 |
| Net charge-offs to loans | 0.2452% | 4,127 |
| Credit loss provision to net charge-offs | 266.0156% | 1,426 |
| Earnings coverage of net charge-offs (x) | 7.3008% | 2,322 |
| Efficiency ratio | 66.9204% | 4,781 |
| Assets per employee ($millions) | 5.2950% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8827% | 2,462 |
| Loan loss allowance to noncurrent loans | 68.8522% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 2.0841% | 3,398 |
| Noncurrent loans to loans | 2.7344% | 2,915 |
| Net loans and leases to total assets | 74.7822% | 1,741 |
| Net loans and leases to deposits | 94.6499% | 1,194 |
| Net loans and leases to core deposits | 125.2447% | 535 |
| Total domestic deposits to total assets | 79.0092% | 6,038 |
| Equity capital to assets | 8.3286% | 6,386 |
| Core capital (leverage) ratio | 8.5546% | 5,314 |
| Tier 1 risk-based capital ratio | 12.1233% | 5,193 |
| Total risk-based capital ratio | 13.3843% | 5,165 |
| Memoranda: | ||
| Average total assets | $259,334,330 | 2,514 |
| Average earning assets | $243,733,670 | 2,456 |
| Average equity | $21,947,000 | 2,926 |
| Average total loans | $208,800,670 | 2,138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3665% | 3,206 |
| Cost of funding earning assets | 1.0726% | 6,024 |
| Net interest margin | 4.2938% | 1,705 |
| Noninterest income to average assets | 0.2646% | 6,035 |
| Noninterest expense to average assets | 2.9483% | 3,864 |
| Loan and lease loss provision to assets | 0.6016% | 2,113 |
| Net operating income to assets | 0.5670% | 4,046 |
| Return on assets (ROA) | 0.5670% | 4,190 |
| Pretax return on assets | 0.8001% | 3,863 |
| Return on Equity (ROE) | 6.6436% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.6436% | 2,301 |
| Net charge-offs to loans | 0.4888% | 2,598 |
| Credit loss provision to net charge-offs | 148.6381% | 2,401 |
| Earnings coverage of net charge-offs (x) | 3.4630% | 2,903 |
| Efficiency ratio | 67.7770% | 4,767 |
| Assets per employee ($millions) | 5.2406% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 3,014 |
| Loan loss allowance to noncurrent loans | 160.2420% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.8869% | 5,383 |
| Noncurrent loans to loans | 1.0689% | 5,209 |
| Net loans and leases to total assets | 81.5504% | 639 |
| Net loans and leases to deposits | 104.3178% | 511 |
| Net loans and leases to core deposits | 137.3396% | 366 |
| Total domestic deposits to total assets | 78.1749% | 6,279 |
| Equity capital to assets | 8.7052% | 5,723 |
| Core capital (leverage) ratio | 8.0195% | 6,208 |
| Tier 1 risk-based capital ratio | 12.6997% | 4,563 |
| Total risk-based capital ratio | 13.9599% | 4,516 |
| Memoranda: | ||
| Average total assets | $253,978,000 | 2,613 |
| Average earning assets | $241,649,000 | 2,516 |
| Average equity | $21,675,000 | 2,983 |
| Average total loans | $210,290,000 | 2,177 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2519% | 5,404 |
| Cost of funding earning assets | 1.3576% | 6,105 |
| Net interest margin | 3.8943% | 3,288 |
| Noninterest income to average assets | 0.3300% | 5,723 |
| Noninterest expense to average assets | 2.8400% | 4,788 |
| Loan and lease loss provision to assets | 0.4741% | 3,986 |
| Net operating income to assets | 0.4407% | 3,969 |
| Return on assets (ROA) | 0.4407% | 4,086 |
| Pretax return on assets | 0.7225% | 3,500 |
| Return on Equity (ROE) | 5.6237% | 3,370 |
| Retained earnings to average equity (ytd only) | 5.6237% | 1,514 |
| Net charge-offs to loans | 0.2115% | 5,301 |
| Credit loss provision to net charge-offs | 282.4818% | 1,197 |
| Earnings coverage of net charge-offs (x) | 7.1290% | 2,213 |
| Efficiency ratio | 70.3561% | 4,546 |
| Assets per employee ($millions) | 5.3418% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,170 |
| Loan loss allowance to noncurrent loans | 140.0731% | 2,042 |
| Noncurrent assets plus other real estate owned to assets | 0.9606% | 5,184 |
| Noncurrent loans to loans | 1.1625% | 5,002 |
| Net loans and leases to total assets | 81.2832% | 796 |
| Net loans and leases to deposits | 110.3151% | 374 |
| Net loans and leases to core deposits | 183.4332% | 146 |
| Total domestic deposits to total assets | 73.6828% | 7,060 |
| Equity capital to assets | 8.3664% | 6,105 |
| Core capital (leverage) ratio | 8.4768% | 5,309 |
| Tier 1 risk-based capital ratio | 12.2439% | 4,727 |
| Total risk-based capital ratio | 13.5030% | 4,680 |
| Memoranda: | ||
| Average total assets | $244,859,600 | 2,662 |
| Average earning assets | $233,059,600 | 2,570 |
| Average equity | $19,186,600 | 3,313 |
| Average total loans | $194,284,600 | 2,349 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1973% | 5,889 |
| Cost of funding earning assets | 1.4460% | 6,052 |
| Net interest margin | 3.7513% | 3,861 |
| Noninterest income to average assets | 0.3510% | 5,683 |
| Noninterest expense to average assets | 2.8928% | 4,484 |
| Loan and lease loss provision to assets | 0.4546% | 3,640 |
| Net operating income to assets | 0.3504% | 4,598 |
| Return on assets (ROA) | 0.3504% | 4,694 |
| Pretax return on assets | 0.5802% | 4,254 |
| Return on Equity (ROE) | 4.5541% | 4,137 |
| Retained earnings to average equity (ytd only) | 4.5541% | 2,731 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6532% | 3,929 |
| Assets per employee ($millions) | 5.0257% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7315% | 2,516 |
| Loan loss allowance to noncurrent loans | 157.2959% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 5,214 |
| Noncurrent loans to loans | 1.1008% | 5,113 |
| Net loans and leases to total assets | 82.9330% | 675 |
| Net loans and leases to deposits | 107.6083% | 574 |
| Net loans and leases to core deposits | 182.0557% | 174 |
| Total domestic deposits to total assets | 77.0694% | 6,320 |
| Equity capital to assets | 8.1005% | 6,741 |
| Core capital (leverage) ratio | 8.0728% | 6,231 |
| Tier 1 risk-based capital ratio | 11.8266% | 5,133 |
| Total risk-based capital ratio | 13.0875% | 5,060 |
| Memoranda: | ||
| Average total assets | $241,973,000 | 2,714 |
| Average earning assets | $230,705,250 | 2,610 |
| Average equity | $18,620,250 | 3,431 |
| Average total loans | $189,889,500 | 2,428 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 5,919 |
| Cost of funding earning assets | 1.5663% | 5,856 |
| Net interest margin | 3.6730% | 4,075 |
| Noninterest income to average assets | 0.2865% | 6,214 |
| Noninterest expense to average assets | 2.7851% | 5,026 |
| Loan and lease loss provision to assets | 0.4335% | 3,389 |
| Net operating income to assets | 0.3369% | 4,734 |
| Return on assets (ROA) | 0.3369% | 4,845 |
| Pretax return on assets | 0.5590% | 4,445 |
| Return on Equity (ROE) | 4.4558% | 4,318 |
| Retained earnings to average equity (ytd only) | 4.4558% | 2,815 |
| Net charge-offs to loans | -0.0011% | 7,467 |
| Credit loss provision to net charge-offs | -52,500.0000% | 7,304 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7268% | 4,075 |
| Assets per employee ($millions) | 5.5201% | 1,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7090% | 2,310 |
| Loan loss allowance to noncurrent loans | 277.8639% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4780% | 6,244 |
| Noncurrent loans to loans | 0.6151% | 6,023 |
| Net loans and leases to total assets | 76.3877% | 2,084 |
| Net loans and leases to deposits | 97.9242% | 1,527 |
| Net loans and leases to core deposits | 163.2814% | 396 |
| Total domestic deposits to total assets | 78.0070% | 6,076 |
| Equity capital to assets | 7.8214% | 6,955 |
| Core capital (leverage) ratio | 7.7851% | 6,635 |
| Tier 1 risk-based capital ratio | 12.3309% | 4,650 |
| Total risk-based capital ratio | 13.1314% | 4,928 |
| Memoranda: | ||
| Average total assets | $242,220,000 | 2,732 |
| Average earning assets | $230,221,330 | 2,629 |
| Average equity | $18,313,330 | 3,504 |
| Average total loans | $185,324,000 | 2,510 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4469% | 5,189 |
| Cost of funding earning assets | 1.6665% | 5,753 |
| Net interest margin | 3.7805% | 3,535 |
| Noninterest income to average assets | 0.1836% | 6,980 |
| Noninterest expense to average assets | 2.6442% | 5,246 |
| Loan and lease loss provision to assets | 0.4994% | 2,469 |
| Net operating income to assets | 0.3803% | 4,945 |
| Return on assets (ROA) | 0.3803% | 5,128 |
| Pretax return on assets | 0.6300% | 4,656 |
| Return on Equity (ROE) | 5.1192% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.1192% | 3,053 |
| Net charge-offs to loans | 0.0044% | 5,650 |
| Credit loss provision to net charge-offs | 15,100.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 341.5000% | 111 |
| Efficiency ratio | 70.0701% | 4,563 |
| Assets per employee ($millions) | 5.6276% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6431% | 2,336 |
| Loan loss allowance to noncurrent loans | 258.3979% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 6,113 |
| Noncurrent loans to loans | 0.6359% | 5,820 |
| Net loans and leases to total assets | 70.9127% | 3,490 |
| Net loans and leases to deposits | 92.0512% | 2,595 |
| Net loans and leases to core deposits | 155.8340% | 567 |
| Total domestic deposits to total assets | 77.0361% | 6,270 |
| Equity capital to assets | 7.4534% | 7,392 |
| Core capital (leverage) ratio | 7.6467% | 6,957 |
| Tier 1 risk-based capital ratio | 12.3342% | 4,672 |
| Total risk-based capital ratio | 13.5932% | 4,584 |
| Memoranda: | ||
| Average total assets | $241,887,000 | 2,747 |
| Average earning assets | $229,708,000 | 2,649 |
| Average equity | $17,971,500 | 3,564 |
| Average total loans | $183,605,500 | 2,545 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9578% | 5,767 |
| Cost of funding earning assets | 1.7299% | 7,186 |
| Net interest margin | 4.2279% | 2,199 |
| Noninterest income to average assets | 0.2803% | 6,455 |
| Noninterest expense to average assets | 2.8606% | 4,567 |
| Loan and lease loss provision to assets | 0.5999% | 2,426 |
| Net operating income to assets | 0.5299% | 4,618 |
| Return on assets (ROA) | 0.5299% | 4,474 |
| Pretax return on assets | 0.8812% | 3,796 |
| Return on Equity (ROE) | 6.8481% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.8481% | 1,204 |
| Net charge-offs to loans | 0.0115% | 6,761 |
| Credit loss provision to net charge-offs | 6,678.9474% | 80 |
| Earnings coverage of net charge-offs (x) | 164.8947% | 281 |
| Efficiency ratio | 65.8863% | 5,147 |
| Assets per employee ($millions) | 5.3612% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4624% | 2,867 |
| Loan loss allowance to noncurrent loans | 220.0489% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5322% | 5,582 |
| Noncurrent loans to loans | 0.6646% | 5,376 |
| Net loans and leases to total assets | 78.9176% | 1,908 |
| Net loans and leases to deposits | 114.1392% | 606 |
| Net loans and leases to core deposits | 184.6284% | 245 |
| Total domestic deposits to total assets | 69.1415% | 7,367 |
| Equity capital to assets | 7.4037% | 7,460 |
| Core capital (leverage) ratio | 7.6169% | 7,054 |
| Tier 1 risk-based capital ratio | 11.0033% | 5,723 |
| Total risk-based capital ratio | 12.2590% | 5,617 |
| Memoranda: | ||
| Average total assets | $211,532,600 | 2,993 |
| Average earning assets | $203,195,600 | 2,864 |
| Average equity | $16,369,400 | 3,851 |
| Average total loans | $165,027,800 | 2,698 |