Home > Dedham Institution for Savings > Performance and Condition Ratios
Dedham Institution for Savings, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 2,839 |
| Cost of funding earning assets | 1.9772% | 944 |
| Net interest margin | 2.6493% | 3,898 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.1101% | 3,382 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4581% | 3,752 |
| Return on assets (ROA) | 0.6690% | 3,253 |
| Pretax return on assets | 0.8455% | 3,103 |
| Return on Equity (ROE) | 6.4000% | 3,450 |
| Retained earnings to average equity (ytd only) | 6.4032% | 2,092 |
| Net charge-offs to loans | -0.0017% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 76.5969% | 1,199 |
| Assets per employee ($millions) | 10.8990% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5206% | 4,321 |
| Loan loss allowance to noncurrent loans | 94.1936% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6664% | 795 |
| Noncurrent loans to loans | 0.5527% | 1,417 |
| Net loans and leases to total assets | 78.2800% | 839 |
| Net loans and leases to deposits | 102.8310% | 406 |
| Net loans and leases to core deposits | 125.8119% | 489 |
| Total domestic deposits to total assets | 76.1300% | 3,932 |
| Equity capital to assets | 10.4972% | 1,723 |
| Core capital (leverage) ratio | 11.1597% | 1,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4193% | 1,713 |
| Memoranda: | ||
| Average total assets | $2,231,696,800 | 513 |
| Average earning assets | $2,145,901,000 | 491 |
| Average equity | $233,166,000 | 472 |
| Average total loans | $1,745,142,600 | 454 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5209% | 2,862 |
| Cost of funding earning assets | 1.8270% | 965 |
| Net interest margin | 2.6939% | 3,888 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2017% | 3,069 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.4474% | 3,875 |
| Return on assets (ROA) | 0.5098% | 3,739 |
| Pretax return on assets | 0.6404% | 3,657 |
| Return on Equity (ROE) | 4.8900% | 3,827 |
| Retained earnings to average equity (ytd only) | 4.8856% | 2,971 |
| Net charge-offs to loans | -0.0024% | 3,600 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.6314% | 961 |
| Assets per employee ($millions) | 10.9163% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4728% | 4,368 |
| Loan loss allowance to noncurrent loans | 58.8826% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 914 |
| Noncurrent loans to loans | 0.8030% | 1,036 |
| Net loans and leases to total assets | 78.7800% | 779 |
| Net loans and leases to deposits | 104.2552% | 345 |
| Net loans and leases to core deposits | 124.5202% | 447 |
| Total domestic deposits to total assets | 75.5700% | 4,055 |
| Equity capital to assets | 10.1737% | 1,723 |
| Core capital (leverage) ratio | 11.1179% | 1,913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9885% | 1,902 |
| Memoranda: | ||
| Average total assets | $2,206,526,500 | 517 |
| Average earning assets | $2,122,588,750 | 496 |
| Average equity | $230,248,750 | 476 |
| Average total loans | $1,722,580,000 | 461 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4238% | 2,827 |
| Cost of funding earning assets | 1.6528% | 963 |
| Net interest margin | 2.7710% | 3,871 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.2439% | 2,964 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4977% | 3,814 |
| Return on assets (ROA) | 0.7026% | 3,343 |
| Pretax return on assets | 0.8923% | 3,184 |
| Return on Equity (ROE) | 6.6700% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.6740% | 2,386 |
| Net charge-offs to loans | -0.0039% | 3,658 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.3529% | 1,057 |
| Assets per employee ($millions) | 10.3069% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4808% | 4,393 |
| Loan loss allowance to noncurrent loans | 57.7887% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 819 |
| Noncurrent loans to loans | 0.8319% | 922 |
| Net loans and leases to total assets | 77.7200% | 867 |
| Net loans and leases to deposits | 103.9385% | 371 |
| Net loans and leases to core deposits | 118.7267% | 548 |
| Total domestic deposits to total assets | 74.7800% | 4,141 |
| Equity capital to assets | 10.4159% | 1,628 |
| Core capital (leverage) ratio | 11.4055% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2786% | 1,793 |
| Memoranda: | ||
| Average total assets | $2,174,257,000 | 509 |
| Average earning assets | $2,092,219,000 | 488 |
| Average equity | $228,886,667 | 470 |
| Average total loans | $1,689,035,000 | 453 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3848% | 2,596 |
| Cost of funding earning assets | 1.4771% | 883 |
| Net interest margin | 2.9077% | 3,782 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 2.2880% | 2,849 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.5661% | 3,754 |
| Return on assets (ROA) | 0.7441% | 3,317 |
| Pretax return on assets | 0.9536% | 3,114 |
| Return on Equity (ROE) | 7.0300% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.0292% | 2,484 |
| Net charge-offs to loans | -0.0082% | 3,786 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.9510% | 1,248 |
| Assets per employee ($millions) | 10.1243% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4890% | 4,439 |
| Loan loss allowance to noncurrent loans | 589.1661% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.0645% | 3,151 |
| Noncurrent loans to loans | 0.0830% | 3,148 |
| Net loans and leases to total assets | 77.2800% | 847 |
| Net loans and leases to deposits | 98.2881% | 523 |
| Net loans and leases to core deposits | 112.9881% | 615 |
| Total domestic deposits to total assets | 78.6200% | 3,931 |
| Equity capital to assets | 10.5932% | 1,514 |
| Core capital (leverage) ratio | 11.5464% | 1,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7663% | 1,696 |
| Memoranda: | ||
| Average total assets | $2,137,930,000 | 535 |
| Average earning assets | $2,059,772,500 | 504 |
| Average equity | $226,312,500 | 483 |
| Average total loans | $1,656,178,000 | 464 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7108% | 2,498 |
| Cost of funding earning assets | 0.4342% | 1,826 |
| Net interest margin | 3.2767% | 2,629 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 2.2071% | 3,006 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.8495% | 3,152 |
| Return on assets (ROA) | 0.5588% | 3,935 |
| Pretax return on assets | 0.7561% | 3,730 |
| Return on Equity (ROE) | 5.1700% | 3,988 |
| Retained earnings to average equity (ytd only) | 5.1673% | 2,978 |
| Net charge-offs to loans | -0.0033% | 3,540 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.1212% | 2,346 |
| Assets per employee ($millions) | 9.7182% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6754% | 4,240 |
| Loan loss allowance to noncurrent loans | 996.8153% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 3,280 |
| Noncurrent loans to loans | 0.0678% | 3,262 |
| Net loans and leases to total assets | 76.7500% | 925 |
| Net loans and leases to deposits | 96.3375% | 621 |
| Net loans and leases to core deposits | 108.6382% | 653 |
| Total domestic deposits to total assets | 79.6700% | 3,922 |
| Equity capital to assets | 10.5777% | 1,418 |
| Core capital (leverage) ratio | 11.6882% | 1,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7226% | 1,723 |
| Memoranda: | ||
| Average total assets | $1,993,795,200 | 550 |
| Average earning assets | $1,923,974,000 | 521 |
| Average equity | $215,623,400 | 495 |
| Average total loans | $1,506,957,200 | 477 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 2,437 |
| Cost of funding earning assets | 0.2838% | 2,349 |
| Net interest margin | 3.2810% | 2,356 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 2.2188% | 2,878 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8453% | 3,083 |
| Return on assets (ROA) | 0.2184% | 4,424 |
| Pretax return on assets | 0.3210% | 4,354 |
| Return on Equity (ROE) | 2.0100% | 4,408 |
| Retained earnings to average equity (ytd only) | 2.0079% | 4,031 |
| Net charge-offs to loans | -0.0048% | 3,474 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.2309% | 2,381 |
| Assets per employee ($millions) | 9.6397% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6836% | 4,280 |
| Loan loss allowance to noncurrent loans | 932.2692% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0564% | 3,327 |
| Noncurrent loans to loans | 0.0733% | 3,349 |
| Net loans and leases to total assets | 76.4500% | 861 |
| Net loans and leases to deposits | 93.1864% | 686 |
| Net loans and leases to core deposits | 104.1017% | 649 |
| Total domestic deposits to total assets | 82.0400% | 3,836 |
| Equity capital to assets | 10.0482% | 1,592 |
| Core capital (leverage) ratio | 11.5879% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6877% | 1,813 |
| Memoranda: | ||
| Average total assets | $1,967,461,750 | 558 |
| Average earning assets | $1,899,060,750 | 528 |
| Average equity | $214,019,500 | 499 |
| Average total loans | $1,478,201,250 | 479 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4414% | 2,323 |
| Cost of funding earning assets | 0.1967% | 2,958 |
| Net interest margin | 3.2447% | 2,067 |
| Noninterest income to average assets | 0.2600% | 3,616 |
| Noninterest expense to average assets | 2.2434% | 2,723 |
| Loan and lease loss provision to assets | 0.0676% | 1,404 |
| Net operating income to assets | 0.8220% | 2,881 |
| Return on assets (ROA) | 0.0469% | 4,524 |
| Pretax return on assets | 0.1026% | 4,487 |
| Return on Equity (ROE) | 0.4202% | 4,521 |
| Retained earnings to average equity (ytd only) | 0.4202% | 4,105 |
| Net charge-offs to loans | -0.0078% | 3,489 |
| Credit loss provision to net charge-offs | -1,169.6429% | 3,584 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0853% | 2,496 |
| Assets per employee ($millions) | 9.1657% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6887% | 4,349 |
| Loan loss allowance to noncurrent loans | 898.3677% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,401 |
| Noncurrent loans to loans | 0.0767% | 3,407 |
| Net loans and leases to total assets | 75.4692% | 779 |
| Net loans and leases to deposits | 88.8207% | 785 |
| Net loans and leases to core deposits | 99.2040% | 700 |
| Total domestic deposits to total assets | 84.9680% | 3,492 |
| Equity capital to assets | 10.4993% | 1,434 |
| Core capital (leverage) ratio | 11.8367% | 1,197 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9089% | 1,728 |
| Memoranda: | ||
| Average total assets | $1,938,862,000 | 562 |
| Average earning assets | $1,873,060,667 | 536 |
| Average equity | $216,587,667 | 497 |
| Average total loans | $1,444,091,000 | 486 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 2,106 |
| Cost of funding earning assets | 0.1838% | 3,036 |
| Net interest margin | 3.2103% | 1,858 |
| Noninterest income to average assets | 0.2868% | 3,410 |
| Noninterest expense to average assets | 2.2331% | 2,740 |
| Loan and lease loss provision to assets | 0.0373% | 1,689 |
| Net operating income to assets | 0.8429% | 2,509 |
| Return on assets (ROA) | 0.4004% | 3,915 |
| Pretax return on assets | 0.5600% | 3,730 |
| Return on Equity (ROE) | 3.4747% | 4,003 |
| Retained earnings to average equity (ytd only) | 3.4747% | 3,128 |
| Net charge-offs to loans | -0.0156% | 3,786 |
| Credit loss provision to net charge-offs | -323.6364% | 3,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8613% | 2,785 |
| Assets per employee ($millions) | 9.2168% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7024% | 4,379 |
| Loan loss allowance to noncurrent loans | 566.4018% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 3,170 |
| Noncurrent loans to loans | 0.1240% | 3,203 |
| Net loans and leases to total assets | 72.5427% | 785 |
| Net loans and leases to deposits | 82.9819% | 946 |
| Net loans and leases to core deposits | 93.0354% | 775 |
| Total domestic deposits to total assets | 87.4200% | 2,776 |
| Equity capital to assets | 11.1088% | 1,284 |
| Core capital (leverage) ratio | 12.3444% | 960 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0839% | 1,491 |
| Memoranda: | ||
| Average total assets | $1,909,236,500 | 577 |
| Average earning assets | $1,845,920,000 | 548 |
| Average equity | $219,988,000 | 506 |
| Average total loans | $1,406,928,000 | 492 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5061% | 2,641 |
| Cost of funding earning assets | 0.2267% | 3,179 |
| Net interest margin | 3.2795% | 2,368 |
| Noninterest income to average assets | 0.3950% | 3,074 |
| Noninterest expense to average assets | 2.4074% | 2,470 |
| Loan and lease loss provision to assets | 0.0128% | 2,827 |
| Net operating income to assets | 0.8576% | 3,163 |
| Return on assets (ROA) | 1.2221% | 1,897 |
| Pretax return on assets | 1.5962% | 1,430 |
| Return on Equity (ROE) | 10.6963% | 2,278 |
| Retained earnings to average equity (ytd only) | 10.6963% | 764 |
| Net charge-offs to loans | -0.0024% | 3,400 |
| Credit loss provision to net charge-offs | -703.0303% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7175% | 2,027 |
| Assets per employee ($millions) | 8.9225% | 945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6997% | 4,416 |
| Loan loss allowance to noncurrent loans | 719.3358% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 3,454 |
| Noncurrent loans to loans | 0.0973% | 3,441 |
| Net loans and leases to total assets | 73.8292% | 677 |
| Net loans and leases to deposits | 85.3614% | 836 |
| Net loans and leases to core deposits | 95.7528% | 700 |
| Total domestic deposits to total assets | 86.4901% | 2,716 |
| Equity capital to assets | 11.9515% | 1,270 |
| Core capital (leverage) ratio | 12.5434% | 913 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5911% | 1,366 |
| Memoranda: | ||
| Average total assets | $1,811,354,200 | 585 |
| Average earning assets | $1,745,403,000 | 559 |
| Average equity | $206,949,200 | 521 |
| Average total loans | $1,352,622,600 | 506 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 2,804 |
| Cost of funding earning assets | 0.2380% | 3,231 |
| Net interest margin | 3.2719% | 2,503 |
| Noninterest income to average assets | 0.4112% | 3,031 |
| Noninterest expense to average assets | 2.4351% | 2,327 |
| Loan and lease loss provision to assets | -0.0128% | 4,328 |
| Net operating income to assets | 0.8609% | 3,348 |
| Return on assets (ROA) | 1.1458% | 2,446 |
| Pretax return on assets | 1.4982% | 1,993 |
| Return on Equity (ROE) | 10.1506% | 2,684 |
| Retained earnings to average equity (ytd only) | 10.1506% | 1,275 |
| Net charge-offs to loans | -0.0036% | 3,342 |
| Credit loss provision to net charge-offs | 477.7778% | 777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4026% | 1,777 |
| Assets per employee ($millions) | 8.7726% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 4,523 |
| Loan loss allowance to noncurrent loans | 685.1906% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 0.0737% | 3,617 |
| Noncurrent loans to loans | 0.1004% | 3,579 |
| Net loans and leases to total assets | 72.9166% | 783 |
| Net loans and leases to deposits | 84.4384% | 932 |
| Net loans and leases to core deposits | 95.2659% | 779 |
| Total domestic deposits to total assets | 86.3548% | 2,614 |
| Equity capital to assets | 11.2526% | 1,855 |
| Core capital (leverage) ratio | 12.3417% | 1,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8491% | 1,380 |
| Memoranda: | ||
| Average total assets | $1,795,763,000 | 593 |
| Average earning assets | $1,728,158,000 | 571 |
| Average equity | $202,702,250 | 536 |
| Average total loans | $1,342,503,750 | 518 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5252% | 2,826 |
| Cost of funding earning assets | 0.2503% | 3,281 |
| Net interest margin | 3.2750% | 2,535 |
| Noninterest income to average assets | 0.4474% | 2,859 |
| Noninterest expense to average assets | 2.4216% | 2,391 |
| Loan and lease loss provision to assets | -0.0196% | 4,429 |
| Net operating income to assets | 0.9048% | 3,205 |
| Return on assets (ROA) | 1.3812% | 1,699 |
| Pretax return on assets | 1.7998% | 1,236 |
| Return on Equity (ROE) | 12.2226% | 1,970 |
| Retained earnings to average equity (ytd only) | 12.2226% | 868 |
| Net charge-offs to loans | -0.0018% | 3,178 |
| Credit loss provision to net charge-offs | 1,450.0000% | 372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2900% | 1,969 |
| Assets per employee ($millions) | 8.6931% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6937% | 4,542 |
| Loan loss allowance to noncurrent loans | 587.2716% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,625 |
| Noncurrent loans to loans | 0.1181% | 3,598 |
| Net loans and leases to total assets | 73.0815% | 848 |
| Net loans and leases to deposits | 84.5258% | 1,023 |
| Net loans and leases to core deposits | 94.8734% | 864 |
| Total domestic deposits to total assets | 86.4606% | 2,569 |
| Equity capital to assets | 11.2889% | 1,757 |
| Core capital (leverage) ratio | 12.4844% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9577% | 1,345 |
| Memoranda: | ||
| Average total assets | $1,777,345,333 | 594 |
| Average earning assets | $1,710,248,333 | 569 |
| Average equity | $200,840,333 | 536 |
| Average total loans | $1,336,990,333 | 525 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 2,569 |
| Cost of funding earning assets | 0.2678% | 3,298 |
| Net interest margin | 3.3555% | 2,232 |
| Noninterest income to average assets | 0.5170% | 2,532 |
| Noninterest expense to average assets | 2.4551% | 2,315 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9715% | 2,900 |
| Return on assets (ROA) | 1.5304% | 1,325 |
| Pretax return on assets | 1.9965% | 952 |
| Return on Equity (ROE) | 13.5366% | 1,529 |
| Retained earnings to average equity (ytd only) | 13.5366% | 808 |
| Net charge-offs to loans | -0.0033% | 3,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5719% | 2,292 |
| Assets per employee ($millions) | 8.4711% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7104% | 4,556 |
| Loan loss allowance to noncurrent loans | 594.0551% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 3,742 |
| Noncurrent loans to loans | 0.1196% | 3,714 |
| Net loans and leases to total assets | 74.9439% | 721 |
| Net loans and leases to deposits | 86.9781% | 888 |
| Net loans and leases to core deposits | 97.7108% | 815 |
| Total domestic deposits to total assets | 86.1641% | 2,675 |
| Equity capital to assets | 11.2990% | 1,659 |
| Core capital (leverage) ratio | 12.4842% | 1,002 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9511% | 1,298 |
| Memoranda: | ||
| Average total assets | $1,753,247,500 | 594 |
| Average earning assets | $1,686,207,000 | 568 |
| Average equity | $198,218,500 | 533 |
| Average total loans | $1,333,759,000 | 523 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 3,214 |
| Cost of funding earning assets | 0.5103% | 2,881 |
| Net interest margin | 3.3205% | 3,018 |
| Noninterest income to average assets | 0.4582% | 2,828 |
| Noninterest expense to average assets | 2.5359% | 2,733 |
| Loan and lease loss provision to assets | 0.1035% | 3,039 |
| Net operating income to assets | 0.7751% | 3,183 |
| Return on assets (ROA) | 1.0890% | 2,088 |
| Pretax return on assets | 1.4084% | 1,632 |
| Return on Equity (ROE) | 9.4986% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.4986% | 686 |
| Net charge-offs to loans | -0.0100% | 4,261 |
| Credit loss provision to net charge-offs | -1,353.9683% | 4,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4688% | 2,023 |
| Assets per employee ($millions) | 8.3063% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7123% | 4,567 |
| Loan loss allowance to noncurrent loans | 580.6491% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 3,846 |
| Noncurrent loans to loans | 0.1227% | 3,794 |
| Net loans and leases to total assets | 76.1328% | 775 |
| Net loans and leases to deposits | 88.7317% | 1,020 |
| Net loans and leases to core deposits | 100.4004% | 882 |
| Total domestic deposits to total assets | 85.8011% | 2,456 |
| Equity capital to assets | 11.3127% | 2,011 |
| Core capital (leverage) ratio | 12.3080% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2652% | 1,459 |
| Memoranda: | ||
| Average total assets | $1,648,632,200 | 572 |
| Average earning assets | $1,584,905,000 | 547 |
| Average equity | $189,018,200 | 532 |
| Average total loans | $1,260,946,800 | 525 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8532% | 3,407 |
| Cost of funding earning assets | 0.5698% | 2,805 |
| Net interest margin | 3.2835% | 3,239 |
| Noninterest income to average assets | 0.3937% | 3,111 |
| Noninterest expense to average assets | 2.4815% | 2,903 |
| Loan and lease loss provision to assets | 0.1398% | 2,620 |
| Net operating income to assets | 0.7102% | 3,429 |
| Return on assets (ROA) | 0.8957% | 2,842 |
| Pretax return on assets | 1.1633% | 2,513 |
| Return on Equity (ROE) | 7.7850% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.7850% | 1,376 |
| Net charge-offs to loans | -0.0110% | 4,248 |
| Credit loss provision to net charge-offs | -1,656.3107% | 4,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9060% | 1,897 |
| Assets per employee ($millions) | 8.2307% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7137% | 4,553 |
| Loan loss allowance to noncurrent loans | 472.9500% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 3,848 |
| Noncurrent loans to loans | 0.1509% | 3,779 |
| Net loans and leases to total assets | 76.4959% | 1,035 |
| Net loans and leases to deposits | 89.4198% | 1,329 |
| Net loans and leases to core deposits | 102.8914% | 988 |
| Total domestic deposits to total assets | 85.5470% | 2,237 |
| Equity capital to assets | 11.4506% | 2,050 |
| Core capital (leverage) ratio | 12.0828% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2827% | 1,423 |
| Memoranda: | ||
| Average total assets | $1,626,784,000 | 564 |
| Average earning assets | $1,563,675,750 | 544 |
| Average equity | $187,174,750 | 531 |
| Average total loans | $1,243,392,000 | 520 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,654 |
| Cost of funding earning assets | 0.6495% | 2,701 |
| Net interest margin | 3.2398% | 3,557 |
| Noninterest income to average assets | 0.2900% | 3,728 |
| Noninterest expense to average assets | 2.5177% | 2,916 |
| Loan and lease loss provision to assets | 0.1483% | 2,525 |
| Net operating income to assets | 0.5696% | 3,833 |
| Return on assets (ROA) | 0.5769% | 3,889 |
| Pretax return on assets | 0.7464% | 3,750 |
| Return on Equity (ROE) | 5.0058% | 3,826 |
| Retained earnings to average equity (ytd only) | 5.0058% | 2,469 |
| Net charge-offs to loans | -0.0171% | 4,363 |
| Credit loss provision to net charge-offs | -1,137.5000% | 3,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9825% | 1,463 |
| Assets per employee ($millions) | 7.6207% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6917% | 4,581 |
| Loan loss allowance to noncurrent loans | 354.7836% | 1,351 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 3,772 |
| Noncurrent loans to loans | 0.1950% | 3,679 |
| Net loans and leases to total assets | 76.5342% | 1,061 |
| Net loans and leases to deposits | 94.8303% | 888 |
| Net loans and leases to core deposits | 103.0045% | 1,059 |
| Total domestic deposits to total assets | 80.7065% | 3,681 |
| Equity capital to assets | 11.3254% | 2,109 |
| Core capital (leverage) ratio | 12.1665% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2295% | 1,436 |
| Memoranda: | ||
| Average total assets | $1,595,638,667 | 565 |
| Average earning assets | $1,533,265,000 | 542 |
| Average equity | $183,908,000 | 539 |
| Average total loans | $1,216,070,333 | 523 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9486% | 3,937 |
| Cost of funding earning assets | 0.7773% | 2,510 |
| Net interest margin | 3.1713% | 3,930 |
| Noninterest income to average assets | 0.1924% | 4,398 |
| Noninterest expense to average assets | 2.6158% | 2,935 |
| Loan and lease loss provision to assets | 0.1698% | 1,730 |
| Net operating income to assets | 0.3526% | 4,238 |
| Return on assets (ROA) | -0.6975% | 4,939 |
| Pretax return on assets | -0.8802% | 4,940 |
| Return on Equity (ROE) | -5.9959% | 4,945 |
| Retained earnings to average equity (ytd only) | -5.9959% | 4,589 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8683% | 1,054 |
| Assets per employee ($millions) | 7.4267% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6967% | 4,609 |
| Loan loss allowance to noncurrent loans | 330.6805% | 1,404 |
| Noncurrent assets plus other real estate owned to assets | 0.1604% | 3,858 |
| Noncurrent loans to loans | 0.2107% | 3,720 |
| Net loans and leases to total assets | 75.5802% | 1,371 |
| Net loans and leases to deposits | 93.4209% | 1,135 |
| Net loans and leases to core deposits | 103.0357% | 1,242 |
| Total domestic deposits to total assets | 80.9028% | 3,686 |
| Equity capital to assets | 11.4677% | 2,464 |
| Core capital (leverage) ratio | 12.3718% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0295% | 1,340 |
| Memoranda: | ||
| Average total assets | $1,555,177,000 | 557 |
| Average earning assets | $1,491,875,000 | 531 |
| Average equity | $180,923,000 | 543 |
| Average total loans | $1,178,065,500 | 519 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1179% | 4,002 |
| Cost of funding earning assets | 0.8731% | 2,317 |
| Net interest margin | 3.2448% | 4,094 |
| Noninterest income to average assets | 0.3077% | 3,846 |
| Noninterest expense to average assets | 2.5675% | 3,266 |
| Loan and lease loss provision to assets | 0.0101% | 3,804 |
| Net operating income to assets | 0.6524% | 4,011 |
| Return on assets (ROA) | 1.0306% | 2,824 |
| Pretax return on assets | 1.3206% | 2,439 |
| Return on Equity (ROE) | 8.9509% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.9509% | 723 |
| Net charge-offs to loans | -0.0003% | 4,133 |
| Credit loss provision to net charge-offs | -5,166.6667% | 4,676 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0855% | 1,474 |
| Assets per employee ($millions) | 7.3143% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6575% | 4,634 |
| Loan loss allowance to noncurrent loans | 318.6172% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 3,855 |
| Noncurrent loans to loans | 0.2064% | 3,720 |
| Net loans and leases to total assets | 74.8908% | 1,604 |
| Net loans and leases to deposits | 92.0240% | 1,368 |
| Net loans and leases to core deposits | 102.7717% | 1,336 |
| Total domestic deposits to total assets | 81.3818% | 3,683 |
| Equity capital to assets | 11.8021% | 2,280 |
| Core capital (leverage) ratio | 12.6954% | 1,376 |
| Tier 1 risk-based capital ratio | 16.8558% | 2,100 |
| Total risk-based capital ratio | 17.5236% | 2,249 |
| Memoranda: | ||
| Average total assets | $1,538,411,800 | 540 |
| Average earning assets | $1,475,271,600 | 520 |
| Average equity | $177,132,200 | 524 |
| Average total loans | $1,165,977,200 | 506 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 4,047 |
| Cost of funding earning assets | 0.8897% | 2,276 |
| Net interest margin | 3.2558% | 4,172 |
| Noninterest income to average assets | 0.2854% | 4,028 |
| Noninterest expense to average assets | 2.4911% | 3,458 |
| Loan and lease loss provision to assets | 0.0134% | 3,635 |
| Net operating income to assets | 0.6964% | 4,026 |
| Return on assets (ROA) | 1.0313% | 2,936 |
| Pretax return on assets | 1.3277% | 2,572 |
| Return on Equity (ROE) | 9.0135% | 2,888 |
| Retained earnings to average equity (ytd only) | 9.0135% | 1,040 |
| Net charge-offs to loans | -0.0005% | 3,968 |
| Credit loss provision to net charge-offs | -3,850.0000% | 4,613 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0919% | 1,685 |
| Assets per employee ($millions) | 7.4403% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6643% | 4,709 |
| Loan loss allowance to noncurrent loans | 272.1451% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 3,834 |
| Noncurrent loans to loans | 0.2441% | 3,667 |
| Net loans and leases to total assets | 75.0015% | 1,649 |
| Net loans and leases to deposits | 88.6717% | 1,843 |
| Net loans and leases to core deposits | 103.3753% | 1,381 |
| Total domestic deposits to total assets | 84.5834% | 2,588 |
| Equity capital to assets | 12.0056% | 2,256 |
| Core capital (leverage) ratio | 12.5580% | 1,542 |
| Tier 1 risk-based capital ratio | 16.4373% | 2,293 |
| Total risk-based capital ratio | 17.1021% | 2,429 |
| Memoranda: | ||
| Average total assets | $1,537,186,750 | 542 |
| Average earning assets | $1,474,332,000 | 524 |
| Average equity | $175,879,500 | 529 |
| Average total loans | $1,166,609,500 | 504 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1714% | 3,992 |
| Cost of funding earning assets | 0.9054% | 2,114 |
| Net interest margin | 3.2660% | 4,207 |
| Noninterest income to average assets | 0.3098% | 3,855 |
| Noninterest expense to average assets | 2.4971% | 3,491 |
| Loan and lease loss provision to assets | 0.0196% | 3,398 |
| Net operating income to assets | 0.7150% | 3,953 |
| Return on assets (ROA) | 1.1695% | 2,337 |
| Pretax return on assets | 1.4977% | 1,868 |
| Return on Equity (ROE) | 10.3904% | 2,217 |
| Retained earnings to average equity (ytd only) | 10.3904% | 654 |
| Net charge-offs to loans | -0.0007% | 3,882 |
| Credit loss provision to net charge-offs | -3,775.0000% | 4,459 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6086% | 1,825 |
| Assets per employee ($millions) | 7.1711% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6631% | 4,772 |
| Loan loss allowance to noncurrent loans | 282.1771% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 3,875 |
| Noncurrent loans to loans | 0.2350% | 3,702 |
| Net loans and leases to total assets | 75.0043% | 1,722 |
| Net loans and leases to deposits | 93.0428% | 1,369 |
| Net loans and leases to core deposits | 107.0565% | 1,173 |
| Total domestic deposits to total assets | 80.6127% | 3,914 |
| Equity capital to assets | 11.7663% | 2,370 |
| Core capital (leverage) ratio | 12.3533% | 1,607 |
| Tier 1 risk-based capital ratio | 16.2000% | 2,325 |
| Total risk-based capital ratio | 16.8651% | 2,509 |
| Memoranda: | ||
| Average total assets | $1,541,161,670 | 545 |
| Average earning assets | $1,476,688,670 | 520 |
| Average equity | $173,467,000 | 532 |
| Average total loans | $1,171,606,000 | 506 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2096% | 3,830 |
| Cost of funding earning assets | 0.9325% | 1,874 |
| Net interest margin | 3.2771% | 4,214 |
| Noninterest income to average assets | 0.2990% | 3,881 |
| Noninterest expense to average assets | 2.4204% | 3,717 |
| Loan and lease loss provision to assets | 0.0199% | 3,184 |
| Net operating income to assets | 0.7657% | 3,729 |
| Return on assets (ROA) | 1.4767% | 1,186 |
| Pretax return on assets | 1.8997% | 799 |
| Return on Equity (ROE) | 13.4203% | 1,104 |
| Retained earnings to average equity (ytd only) | 13.4203% | 411 |
| Net charge-offs to loans | -0.0003% | 3,785 |
| Credit loss provision to net charge-offs | -7,700.0000% | 4,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3598% | 2,282 |
| Assets per employee ($millions) | 7.3503% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6518% | 4,850 |
| Loan loss allowance to noncurrent loans | 275.3729% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.1789% | 3,921 |
| Noncurrent loans to loans | 0.2367% | 3,726 |
| Net loans and leases to total assets | 75.1087% | 1,624 |
| Net loans and leases to deposits | 92.5530% | 1,334 |
| Net loans and leases to core deposits | 110.2194% | 920 |
| Total domestic deposits to total assets | 81.1520% | 3,939 |
| Equity capital to assets | 11.3390% | 2,531 |
| Core capital (leverage) ratio | 11.7860% | 1,919 |
| Tier 1 risk-based capital ratio | 15.8192% | 2,522 |
| Total risk-based capital ratio | 16.4737% | 2,688 |
| Memoranda: | ||
| Average total assets | $1,548,025,000 | 540 |
| Average earning assets | $1,483,735,000 | 519 |
| Average equity | $170,339,000 | 537 |
| Average total loans | $1,180,764,500 | 504 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 4,297 |
| Cost of funding earning assets | 0.6762% | 2,234 |
| Net interest margin | 3.2130% | 4,460 |
| Noninterest income to average assets | 0.2740% | 4,272 |
| Noninterest expense to average assets | 2.5337% | 3,512 |
| Loan and lease loss provision to assets | 0.0435% | 3,314 |
| Net operating income to assets | 0.6054% | 4,401 |
| Return on assets (ROA) | 0.7345% | 4,029 |
| Pretax return on assets | 0.9396% | 3,788 |
| Return on Equity (ROE) | 6.6592% | 3,948 |
| Retained earnings to average equity (ytd only) | 6.6592% | 1,834 |
| Net charge-offs to loans | -0.0067% | 4,407 |
| Credit loss provision to net charge-offs | -850.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5567% | 1,424 |
| Assets per employee ($millions) | 7.4633% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6243% | 4,932 |
| Loan loss allowance to noncurrent loans | 327.4476% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 4,097 |
| Noncurrent loans to loans | 0.1906% | 3,889 |
| Net loans and leases to total assets | 76.4591% | 1,528 |
| Net loans and leases to deposits | 97.3240% | 951 |
| Net loans and leases to core deposits | 114.5214% | 760 |
| Total domestic deposits to total assets | 78.5614% | 4,400 |
| Equity capital to assets | 10.6733% | 3,012 |
| Core capital (leverage) ratio | 11.4207% | 2,163 |
| Tier 1 risk-based capital ratio | 14.7565% | 2,940 |
| Total risk-based capital ratio | 15.5347% | 3,091 |
| Memoranda: | ||
| Average total assets | $1,485,224,200 | 548 |
| Average earning assets | $1,423,468,400 | 522 |
| Average equity | $163,818,200 | 536 |
| Average total loans | $1,128,367,000 | 506 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 4,382 |
| Cost of funding earning assets | 0.6190% | 2,344 |
| Net interest margin | 3.2040% | 4,501 |
| Noninterest income to average assets | 0.2922% | 4,197 |
| Noninterest expense to average assets | 2.5208% | 3,527 |
| Loan and lease loss provision to assets | 0.0222% | 3,577 |
| Net operating income to assets | 0.6277% | 4,428 |
| Return on assets (ROA) | 0.7149% | 4,187 |
| Pretax return on assets | 0.9295% | 3,924 |
| Return on Equity (ROE) | 6.4266% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.4266% | 2,420 |
| Net charge-offs to loans | -0.0089% | 4,361 |
| Credit loss provision to net charge-offs | -329.7297% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9770% | 1,467 |
| Assets per employee ($millions) | 7.3183% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6133% | 5,018 |
| Loan loss allowance to noncurrent loans | 225.2304% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.2077% | 3,905 |
| Noncurrent loans to loans | 0.2723% | 3,707 |
| Net loans and leases to total assets | 75.8289% | 1,683 |
| Net loans and leases to deposits | 95.1548% | 1,250 |
| Net loans and leases to core deposits | 109.2883% | 1,084 |
| Total domestic deposits to total assets | 79.6900% | 4,178 |
| Equity capital to assets | 11.0511% | 2,616 |
| Core capital (leverage) ratio | 11.5404% | 2,143 |
| Tier 1 risk-based capital ratio | 15.1576% | 2,813 |
| Total risk-based capital ratio | 16.1259% | 2,853 |
| Memoranda: | ||
| Average total assets | $1,466,572,000 | 548 |
| Average earning assets | $1,405,227,750 | 524 |
| Average equity | $163,151,250 | 530 |
| Average total loans | $1,110,427,000 | 509 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7730% | 4,409 |
| Cost of funding earning assets | 0.5650% | 2,476 |
| Net interest margin | 3.2079% | 4,481 |
| Noninterest income to average assets | 0.2911% | 4,232 |
| Noninterest expense to average assets | 2.5481% | 3,486 |
| Loan and lease loss provision to assets | 0.0142% | 3,591 |
| Net operating income to assets | 0.6095% | 4,468 |
| Return on assets (ROA) | 0.7180% | 4,153 |
| Pretax return on assets | 0.9379% | 3,850 |
| Return on Equity (ROE) | 6.4391% | 4,083 |
| Retained earnings to average equity (ytd only) | 6.4391% | 2,342 |
| Net charge-offs to loans | -0.0104% | 4,335 |
| Credit loss provision to net charge-offs | -180.7018% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7719% | 1,454 |
| Assets per employee ($millions) | 6.9047% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6227% | 5,065 |
| Loan loss allowance to noncurrent loans | 236.5995% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2001% | 4,000 |
| Noncurrent loans to loans | 0.2632% | 3,765 |
| Net loans and leases to total assets | 75.5546% | 1,705 |
| Net loans and leases to deposits | 89.0725% | 1,967 |
| Net loans and leases to core deposits | 104.3457% | 1,371 |
| Total domestic deposits to total assets | 84.8237% | 2,741 |
| Equity capital to assets | 11.1862% | 2,468 |
| Core capital (leverage) ratio | 11.6687% | 1,927 |
| Tier 1 risk-based capital ratio | 15.7336% | 2,543 |
| Total risk-based capital ratio | 16.6593% | 2,612 |
| Memoranda: | ||
| Average total assets | $1,450,467,330 | 553 |
| Average earning assets | $1,388,936,670 | 528 |
| Average equity | $161,731,000 | 535 |
| Average total loans | $1,095,299,670 | 513 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6764% | 4,519 |
| Cost of funding earning assets | 0.5313% | 2,534 |
| Net interest margin | 3.1451% | 4,610 |
| Noninterest income to average assets | 0.2626% | 4,425 |
| Noninterest expense to average assets | 2.5787% | 3,398 |
| Loan and lease loss provision to assets | 0.0169% | 3,315 |
| Net operating income to assets | 0.5061% | 4,681 |
| Return on assets (ROA) | 0.7278% | 4,002 |
| Pretax return on assets | 0.9553% | 3,686 |
| Return on Equity (ROE) | 6.5379% | 3,966 |
| Retained earnings to average equity (ytd only) | 6.5379% | 2,482 |
| Net charge-offs to loans | -0.0004% | 3,738 |
| Credit loss provision to net charge-offs | -6,100.0000% | 4,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8546% | 1,274 |
| Assets per employee ($millions) | 6.9048% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 5,141 |
| Loan loss allowance to noncurrent loans | 293.4708% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 4,276 |
| Noncurrent loans to loans | 0.2129% | 4,019 |
| Net loans and leases to total assets | 75.2924% | 1,657 |
| Net loans and leases to deposits | 87.3740% | 2,008 |
| Net loans and leases to core deposits | 103.3828% | 1,426 |
| Total domestic deposits to total assets | 86.1726% | 2,466 |
| Equity capital to assets | 11.1536% | 2,429 |
| Core capital (leverage) ratio | 11.6470% | 1,896 |
| Tier 1 risk-based capital ratio | 15.5986% | 2,629 |
| Total risk-based capital ratio | 16.4901% | 2,705 |
| Memoranda: | ||
| Average total assets | $1,443,800,500 | 555 |
| Average earning assets | $1,380,683,500 | 535 |
| Average equity | $160,725,000 | 541 |
| Average total loans | $1,086,500,000 | 520 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 4,505 |
| Cost of funding earning assets | 0.4624% | 2,669 |
| Net interest margin | 3.1682% | 4,525 |
| Noninterest income to average assets | 0.3338% | 4,077 |
| Noninterest expense to average assets | 2.6149% | 3,397 |
| Loan and lease loss provision to assets | 0.0109% | 4,063 |
| Net operating income to assets | 0.4897% | 4,399 |
| Return on assets (ROA) | 0.8985% | 2,753 |
| Pretax return on assets | 1.3452% | 2,190 |
| Return on Equity (ROE) | 8.1471% | 2,729 |
| Retained earnings to average equity (ytd only) | 8.1471% | 713 |
| Net charge-offs to loans | 0.0018% | 4,054 |
| Credit loss provision to net charge-offs | 815.7895% | 421 |
| Earnings coverage of net charge-offs (x) | 555.9474% | 157 |
| Efficiency ratio | 77.8060% | 1,381 |
| Assets per employee ($millions) | 6.8136% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6271% | 5,196 |
| Loan loss allowance to noncurrent loans | 158.1776% | 2,698 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 3,694 |
| Noncurrent loans to loans | 0.3964% | 3,338 |
| Net loans and leases to total assets | 74.2715% | 1,874 |
| Net loans and leases to deposits | 87.5096% | 2,079 |
| Net loans and leases to core deposits | 102.6646% | 1,513 |
| Total domestic deposits to total assets | 84.8724% | 2,884 |
| Equity capital to assets | 11.1106% | 2,530 |
| Core capital (leverage) ratio | 11.5566% | 1,905 |
| Tier 1 risk-based capital ratio | 15.8268% | 2,499 |
| Total risk-based capital ratio | 16.7513% | 2,565 |
| Memoranda: | ||
| Average total assets | $1,416,177,600 | 541 |
| Average earning assets | $1,353,038,200 | 523 |
| Average equity | $156,190,400 | 528 |
| Average total loans | $1,063,825,600 | 508 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6242% | 4,506 |
| Cost of funding earning assets | 0.4508% | 2,708 |
| Net interest margin | 3.1734% | 4,524 |
| Noninterest income to average assets | 0.3414% | 4,093 |
| Noninterest expense to average assets | 2.6698% | 3,166 |
| Loan and lease loss provision to assets | 0.0142% | 3,860 |
| Net operating income to assets | 0.4663% | 4,835 |
| Return on assets (ROA) | 1.0955% | 2,164 |
| Pretax return on assets | 1.6304% | 1,311 |
| Return on Equity (ROE) | 9.9519% | 2,156 |
| Retained earnings to average equity (ytd only) | 9.9519% | 598 |
| Net charge-offs to loans | 0.0020% | 3,698 |
| Credit loss provision to net charge-offs | 937.5000% | 373 |
| Earnings coverage of net charge-offs (x) | 465.9986% | 212 |
| Efficiency ratio | 79.1007% | 1,204 |
| Assets per employee ($millions) | 6.7843% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6345% | 5,264 |
| Loan loss allowance to noncurrent loans | 143.7553% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 3,723 |
| Noncurrent loans to loans | 0.4414% | 3,383 |
| Net loans and leases to total assets | 74.7501% | 1,794 |
| Net loans and leases to deposits | 92.6802% | 1,464 |
| Net loans and leases to core deposits | 102.6623% | 1,492 |
| Total domestic deposits to total assets | 80.6539% | 4,154 |
| Equity capital to assets | 11.3328% | 2,543 |
| Core capital (leverage) ratio | 11.4525% | 2,054 |
| Tier 1 risk-based capital ratio | 15.2044% | 2,837 |
| Total risk-based capital ratio | 16.0846% | 2,925 |
| Memoranda: | ||
| Average total assets | $1,409,098,750 | 543 |
| Average earning assets | $1,347,137,000 | 524 |
| Average equity | $155,115,000 | 535 |
| Average total loans | $1,059,877,750 | 508 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 4,501 |
| Cost of funding earning assets | 0.4378% | 2,720 |
| Net interest margin | 3.1653% | 4,505 |
| Noninterest income to average assets | 0.3361% | 4,144 |
| Noninterest expense to average assets | 2.7253% | 2,996 |
| Loan and lease loss provision to assets | 0.0102% | 3,734 |
| Net operating income to assets | 0.4193% | 4,935 |
| Return on assets (ROA) | 1.3616% | 1,180 |
| Pretax return on assets | 2.0313% | 503 |
| Return on Equity (ROE) | 12.4928% | 1,165 |
| Retained earnings to average equity (ytd only) | 12.4928% | 280 |
| Net charge-offs to loans | 0.0026% | 3,409 |
| Credit loss provision to net charge-offs | 514.2857% | 648 |
| Earnings coverage of net charge-offs (x) | 319.0000% | 265 |
| Efficiency ratio | 81.0979% | 1,097 |
| Assets per employee ($millions) | 6.5717% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6294% | 5,333 |
| Loan loss allowance to noncurrent loans | 132.0963% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 3,688 |
| Noncurrent loans to loans | 0.4764% | 3,319 |
| Net loans and leases to total assets | 74.7825% | 1,736 |
| Net loans and leases to deposits | 90.1464% | 1,708 |
| Net loans and leases to core deposits | 102.0664% | 1,507 |
| Total domestic deposits to total assets | 82.9567% | 3,583 |
| Equity capital to assets | 11.1800% | 2,623 |
| Core capital (leverage) ratio | 11.3333% | 2,098 |
| Tier 1 risk-based capital ratio | 15.0466% | 2,901 |
| Total risk-based capital ratio | 15.8743% | 3,018 |
| Memoranda: | ||
| Average total assets | $1,406,159,330 | 548 |
| Average earning assets | $1,343,553,330 | 523 |
| Average equity | $153,256,670 | 538 |
| Average total loans | $1,057,616,000 | 509 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5536% | 4,535 |
| Cost of funding earning assets | 0.4233% | 2,785 |
| Net interest margin | 3.1304% | 4,564 |
| Noninterest income to average assets | 0.3422% | 4,106 |
| Noninterest expense to average assets | 2.8267% | 2,701 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3220% | 5,141 |
| Return on assets (ROA) | 2.1742% | 241 |
| Pretax return on assets | 3.3103% | 107 |
| Return on Equity (ROE) | 20.2116% | 224 |
| Retained earnings to average equity (ytd only) | 20.2116% | 104 |
| Net charge-offs to loans | 0.0004% | 2,938 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1,767.0000% | 20 |
| Efficiency ratio | 84.8716% | 900 |
| Assets per employee ($millions) | 6.5929% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6208% | 5,449 |
| Loan loss allowance to noncurrent loans | 204.0295% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 4,302 |
| Noncurrent loans to loans | 0.3043% | 4,028 |
| Net loans and leases to total assets | 74.9132% | 1,596 |
| Net loans and leases to deposits | 94.0859% | 1,098 |
| Net loans and leases to core deposits | 101.3803% | 1,414 |
| Total domestic deposits to total assets | 79.6221% | 4,696 |
| Equity capital to assets | 10.9443% | 2,693 |
| Core capital (leverage) ratio | 11.3036% | 2,100 |
| Tier 1 risk-based capital ratio | 14.9141% | 3,007 |
| Total risk-based capital ratio | 15.7223% | 3,145 |
| Memoranda: | ||
| Average total assets | $1,402,786,500 | 554 |
| Average earning assets | $1,339,133,500 | 525 |
| Average equity | $150,903,500 | 540 |
| Average total loans | $1,054,775,500 | 507 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5405% | 4,663 |
| Cost of funding earning assets | 0.4280% | 2,726 |
| Net interest margin | 3.1124% | 4,698 |
| Noninterest income to average assets | 0.3404% | 4,307 |
| Noninterest expense to average assets | 2.5022% | 4,000 |
| Loan and lease loss provision to assets | 0.0223% | 3,925 |
| Net operating income to assets | 0.5330% | 4,502 |
| Return on assets (ROA) | 0.5800% | 4,405 |
| Pretax return on assets | 0.8514% | 4,008 |
| Return on Equity (ROE) | 5.5108% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.5108% | 2,006 |
| Net charge-offs to loans | -0.0572% | 5,432 |
| Credit loss provision to net charge-offs | -52.4957% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6670% | 2,034 |
| Assets per employee ($millions) | 6.3674% | 1,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6372% | 5,471 |
| Loan loss allowance to noncurrent loans | 142.4216% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 3,940 |
| Noncurrent loans to loans | 0.4474% | 3,545 |
| Net loans and leases to total assets | 74.5198% | 1,768 |
| Net loans and leases to deposits | 92.7866% | 1,328 |
| Net loans and leases to core deposits | 100.2605% | 1,597 |
| Total domestic deposits to total assets | 80.3132% | 4,504 |
| Equity capital to assets | 10.5666% | 3,082 |
| Core capital (leverage) ratio | 10.9143% | 2,431 |
| Tier 1 risk-based capital ratio | 14.5900% | 3,158 |
| Total risk-based capital ratio | 15.3941% | 3,306 |
| Memoranda: | ||
| Average total assets | $1,364,675,000 | 542 |
| Average earning assets | $1,300,647,800 | 525 |
| Average equity | $143,627,200 | 550 |
| Average total loans | $1,016,337,800 | 504 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5281% | 4,733 |
| Cost of funding earning assets | 0.4323% | 2,710 |
| Net interest margin | 3.0958% | 4,784 |
| Noninterest income to average assets | 0.3568% | 4,232 |
| Noninterest expense to average assets | 2.4671% | 4,086 |
| Loan and lease loss provision to assets | 0.0294% | 3,651 |
| Net operating income to assets | 0.5472% | 4,506 |
| Return on assets (ROA) | 0.6094% | 4,368 |
| Pretax return on assets | 0.9018% | 3,974 |
| Return on Equity (ROE) | 5.7965% | 4,170 |
| Retained earnings to average equity (ytd only) | 5.7965% | 2,304 |
| Net charge-offs to loans | -0.0674% | 5,457 |
| Credit loss provision to net charge-offs | -58.7084% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6061% | 2,171 |
| Assets per employee ($millions) | 6.4050% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6373% | 5,552 |
| Loan loss allowance to noncurrent loans | 100.1680% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 3,312 |
| Noncurrent loans to loans | 0.6362% | 3,108 |
| Net loans and leases to total assets | 74.2592% | 1,823 |
| Net loans and leases to deposits | 94.8835% | 1,160 |
| Net loans and leases to core deposits | 101.4005% | 1,526 |
| Total domestic deposits to total assets | 78.2635% | 4,864 |
| Equity capital to assets | 10.6379% | 3,420 |
| Core capital (leverage) ratio | 10.8874% | 2,582 |
| Tier 1 risk-based capital ratio | 15.0854% | 3,008 |
| Total risk-based capital ratio | 15.9035% | 3,153 |
| Memoranda: | ||
| Average total assets | $1,358,819,750 | 547 |
| Average earning assets | $1,294,829,750 | 528 |
| Average equity | $142,865,500 | 557 |
| Average total loans | $1,010,162,000 | 506 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 4,885 |
| Cost of funding earning assets | 0.4378% | 2,674 |
| Net interest margin | 3.0556% | 4,964 |
| Noninterest income to average assets | 0.3451% | 4,310 |
| Noninterest expense to average assets | 2.4139% | 4,295 |
| Loan and lease loss provision to assets | 0.0444% | 3,264 |
| Net operating income to assets | 0.5395% | 4,522 |
| Return on assets (ROA) | 0.5944% | 4,423 |
| Pretax return on assets | 0.8778% | 4,032 |
| Return on Equity (ROE) | 5.6757% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.6757% | 2,321 |
| Net charge-offs to loans | -0.1010% | 5,621 |
| Credit loss provision to net charge-offs | -59.1716% | 4,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1530% | 2,334 |
| Assets per employee ($millions) | 6.5258% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 5,622 |
| Loan loss allowance to noncurrent loans | 123.5394% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4498% | 3,715 |
| Noncurrent loans to loans | 0.5228% | 3,517 |
| Net loans and leases to total assets | 73.2280% | 1,974 |
| Net loans and leases to deposits | 95.7048% | 1,108 |
| Net loans and leases to core deposits | 102.4506% | 1,440 |
| Total domestic deposits to total assets | 76.5145% | 5,219 |
| Equity capital to assets | 10.5179% | 3,616 |
| Core capital (leverage) ratio | 10.9551% | 2,478 |
| Tier 1 risk-based capital ratio | 15.2798% | 2,946 |
| Total risk-based capital ratio | 16.1185% | 3,070 |
| Memoranda: | ||
| Average total assets | $1,352,734,330 | 551 |
| Average earning assets | $1,288,381,330 | 531 |
| Average equity | $141,656,670 | 561 |
| Average total loans | $1,003,828,000 | 512 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5008% | 4,888 |
| Cost of funding earning assets | 0.4487% | 2,600 |
| Net interest margin | 3.0521% | 4,994 |
| Noninterest income to average assets | 0.2954% | 4,610 |
| Noninterest expense to average assets | 2.3461% | 4,530 |
| Loan and lease loss provision to assets | 0.0889% | 2,199 |
| Net operating income to assets | 0.5249% | 4,524 |
| Return on assets (ROA) | 0.6278% | 4,183 |
| Pretax return on assets | 0.9202% | 3,764 |
| Return on Equity (ROE) | 6.0083% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.0083% | 2,370 |
| Net charge-offs to loans | -0.0244% | 4,971 |
| Credit loss provision to net charge-offs | -488.5246% | 4,548 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2259% | 2,602 |
| Assets per employee ($millions) | 6.6589% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6060% | 5,734 |
| Loan loss allowance to noncurrent loans | 104.5540% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 3,855 |
| Noncurrent loans to loans | 0.5796% | 3,452 |
| Net loans and leases to total assets | 74.0974% | 1,711 |
| Net loans and leases to deposits | 96.3904% | 904 |
| Net loans and leases to core deposits | 102.8199% | 1,277 |
| Total domestic deposits to total assets | 76.8721% | 5,307 |
| Equity capital to assets | 10.4719% | 3,535 |
| Core capital (leverage) ratio | 10.8057% | 2,615 |
| Tier 1 risk-based capital ratio | 15.2075% | 3,056 |
| Total risk-based capital ratio | 15.9841% | 3,212 |
| Memoranda: | ||
| Average total assets | $1,340,624,500 | 552 |
| Average earning assets | $1,277,548,500 | 538 |
| Average equity | $140,072,000 | 565 |
| Average total loans | $998,306,500 | 508 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 4,525 |
| Cost of funding earning assets | 0.4536% | 2,596 |
| Net interest margin | 3.1961% | 4,638 |
| Noninterest income to average assets | 0.2701% | 4,938 |
| Noninterest expense to average assets | 2.4508% | 4,383 |
| Loan and lease loss provision to assets | 0.0313% | 3,742 |
| Net operating income to assets | 0.5493% | 4,502 |
| Return on assets (ROA) | 0.6002% | 4,369 |
| Pretax return on assets | 0.8989% | 3,839 |
| Return on Equity (ROE) | 5.7197% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.7197% | 1,950 |
| Net charge-offs to loans | 0.0324% | 3,574 |
| Credit loss provision to net charge-offs | 131.0680% | 1,997 |
| Earnings coverage of net charge-offs (x) | 35.7702% | 1,280 |
| Efficiency ratio | 74.1523% | 2,559 |
| Assets per employee ($millions) | 6.6144% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 5,818 |
| Loan loss allowance to noncurrent loans | 124.3080% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 4,061 |
| Noncurrent loans to loans | 0.4676% | 3,791 |
| Net loans and leases to total assets | 73.9487% | 1,739 |
| Net loans and leases to deposits | 94.4215% | 1,163 |
| Net loans and leases to core deposits | 100.5877% | 1,468 |
| Total domestic deposits to total assets | 78.3176% | 5,100 |
| Equity capital to assets | 10.4242% | 3,450 |
| Core capital (leverage) ratio | 10.8799% | 2,519 |
| Tier 1 risk-based capital ratio | 14.8044% | 3,270 |
| Total risk-based capital ratio | 15.5420% | 3,470 |
| Memoranda: | ||
| Average total assets | $1,293,831,600 | 558 |
| Average earning assets | $1,228,627,800 | 532 |
| Average equity | $135,759,400 | 555 |
| Average total loans | $953,739,400 | 505 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6212% | 4,667 |
| Cost of funding earning assets | 0.4547% | 2,640 |
| Net interest margin | 3.1665% | 4,785 |
| Noninterest income to average assets | 0.2774% | 4,959 |
| Noninterest expense to average assets | 2.4620% | 4,305 |
| Loan and lease loss provision to assets | 0.0263% | 3,743 |
| Net operating income to assets | 0.5289% | 4,685 |
| Return on assets (ROA) | 0.5660% | 4,629 |
| Pretax return on assets | 0.8490% | 4,180 |
| Return on Equity (ROE) | 5.3854% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.3854% | 2,653 |
| Net charge-offs to loans | 0.0395% | 3,101 |
| Credit loss provision to net charge-offs | 90.3571% | 2,468 |
| Earnings coverage of net charge-offs (x) | 28.2182% | 1,548 |
| Efficiency ratio | 75.0190% | 2,399 |
| Assets per employee ($millions) | 6.5874% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5804% | 5,924 |
| Loan loss allowance to noncurrent loans | 116.8224% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.4036% | 4,161 |
| Noncurrent loans to loans | 0.4968% | 3,857 |
| Net loans and leases to total assets | 73.5009% | 1,820 |
| Net loans and leases to deposits | 95.1690% | 1,079 |
| Net loans and leases to core deposits | 101.7524% | 1,393 |
| Total domestic deposits to total assets | 77.2320% | 5,309 |
| Equity capital to assets | 10.4705% | 3,631 |
| Core capital (leverage) ratio | 10.8874% | 2,602 |
| Tier 1 risk-based capital ratio | 14.8572% | 3,366 |
| Total risk-based capital ratio | 15.5683% | 3,587 |
| Memoranda: | ||
| Average total assets | $1,284,916,000 | 560 |
| Average earning assets | $1,219,197,250 | 535 |
| Average equity | $135,052,000 | 560 |
| Average total loans | $944,951,500 | 509 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 4,655 |
| Cost of funding earning assets | 0.4554% | 2,658 |
| Net interest margin | 3.1685% | 4,758 |
| Noninterest income to average assets | 0.2766% | 4,970 |
| Noninterest expense to average assets | 2.4704% | 4,327 |
| Loan and lease loss provision to assets | 0.0240% | 3,655 |
| Net operating income to assets | 0.5268% | 4,659 |
| Return on assets (ROA) | 0.5649% | 4,605 |
| Pretax return on assets | 0.8418% | 4,157 |
| Return on Equity (ROE) | 5.3679% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.3679% | 2,626 |
| Net charge-offs to loans | -0.0002% | 4,540 |
| Credit loss provision to net charge-offs | -15,300.0000% | 5,645 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3321% | 2,487 |
| Assets per employee ($millions) | 6.3812% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6115% | 5,956 |
| Loan loss allowance to noncurrent loans | 127.4084% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 4,477 |
| Noncurrent loans to loans | 0.4799% | 4,033 |
| Net loans and leases to total assets | 73.2139% | 1,786 |
| Net loans and leases to deposits | 93.2106% | 1,229 |
| Net loans and leases to core deposits | 99.8739% | 1,500 |
| Total domestic deposits to total assets | 78.5467% | 5,176 |
| Equity capital to assets | 10.5018% | 3,438 |
| Core capital (leverage) ratio | 10.9203% | 2,504 |
| Tier 1 risk-based capital ratio | 14.5761% | 3,592 |
| Total risk-based capital ratio | 15.3576% | 3,792 |
| Memoranda: | ||
| Average total assets | $1,276,254,670 | 557 |
| Average earning assets | $1,209,453,000 | 539 |
| Average equity | $134,316,670 | 562 |
| Average total loans | $936,886,000 | 504 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5470% | 4,840 |
| Cost of funding earning assets | 0.4547% | 2,723 |
| Net interest margin | 3.0923% | 4,976 |
| Noninterest income to average assets | 0.2545% | 5,140 |
| Noninterest expense to average assets | 2.4409% | 4,471 |
| Loan and lease loss provision to assets | 0.0236% | 3,400 |
| Net operating income to assets | 0.4941% | 4,711 |
| Return on assets (ROA) | 0.5304% | 4,658 |
| Pretax return on assets | 0.7708% | 4,348 |
| Return on Equity (ROE) | 5.0347% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.0347% | 3,032 |
| Net charge-offs to loans | -0.0004% | 4,312 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6924% | 2,396 |
| Assets per employee ($millions) | 6.4102% | 1,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6178% | 6,036 |
| Loan loss allowance to noncurrent loans | 109.8160% | 3,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 4,386 |
| Noncurrent loans to loans | 0.5626% | 3,900 |
| Net loans and leases to total assets | 72.5973% | 1,714 |
| Net loans and leases to deposits | 91.9915% | 1,191 |
| Net loans and leases to core deposits | 98.6197% | 1,420 |
| Total domestic deposits to total assets | 78.9174% | 5,282 |
| Equity capital to assets | 10.6307% | 3,390 |
| Core capital (leverage) ratio | 10.8458% | 2,578 |
| Tier 1 risk-based capital ratio | 15.1582% | 3,347 |
| Total risk-based capital ratio | 16.0070% | 3,502 |
| Memoranda: | ||
| Average total assets | $1,269,884,000 | 556 |
| Average earning assets | $1,202,479,000 | 538 |
| Average equity | $133,791,000 | 564 |
| Average total loans | $930,564,000 | 505 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6364% | 4,978 |
| Cost of funding earning assets | 0.4676% | 2,998 |
| Net interest margin | 3.1688% | 5,020 |
| Noninterest income to average assets | 0.3140% | 4,875 |
| Noninterest expense to average assets | 2.3458% | 4,985 |
| Loan and lease loss provision to assets | 0.0238% | 4,130 |
| Net operating income to assets | 0.6500% | 4,142 |
| Return on assets (ROA) | 0.7159% | 3,925 |
| Pretax return on assets | 1.0461% | 3,318 |
| Return on Equity (ROE) | 6.7334% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.7334% | 1,524 |
| Net charge-offs to loans | 0.0667% | 3,532 |
| Credit loss provision to net charge-offs | 48.6885% | 3,508 |
| Earnings coverage of net charge-offs (x) | 19.9016% | 1,746 |
| Efficiency ratio | 70.6799% | 3,431 |
| Assets per employee ($millions) | 6.3527% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6052% | 6,137 |
| Loan loss allowance to noncurrent loans | 102.9696% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 4,379 |
| Noncurrent loans to loans | 0.5877% | 3,901 |
| Net loans and leases to total assets | 73.0652% | 1,742 |
| Net loans and leases to deposits | 92.6913% | 1,217 |
| Net loans and leases to core deposits | 99.1389% | 1,455 |
| Total domestic deposits to total assets | 78.8264% | 5,287 |
| Equity capital to assets | 10.4408% | 3,558 |
| Core capital (leverage) ratio | 10.8338% | 2,580 |
| Tier 1 risk-based capital ratio | 15.8092% | 3,052 |
| Total risk-based capital ratio | 16.6938% | 3,191 |
| Memoranda: | ||
| Average total assets | $1,247,553,200 | 542 |
| Average earning assets | $1,183,028,600 | 522 |
| Average equity | $132,637,000 | 548 |
| Average total loans | $915,153,600 | 489 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 4,968 |
| Cost of funding earning assets | 0.4731% | 3,022 |
| Net interest margin | 3.1884% | 5,003 |
| Noninterest income to average assets | 0.3179% | 4,893 |
| Noninterest expense to average assets | 2.3648% | 4,927 |
| Loan and lease loss provision to assets | 0.0235% | 3,936 |
| Net operating income to assets | 0.6603% | 4,159 |
| Return on assets (ROA) | 0.7171% | 3,957 |
| Pretax return on assets | 1.0364% | 3,443 |
| Return on Equity (ROE) | 6.7141% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.7141% | 1,975 |
| Net charge-offs to loans | 0.0981% | 2,823 |
| Credit loss provision to net charge-offs | 32.6866% | 3,417 |
| Earnings coverage of net charge-offs (x) | 13.5896% | 2,213 |
| Efficiency ratio | 70.7517% | 3,378 |
| Assets per employee ($millions) | 6.5347% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6005% | 6,223 |
| Loan loss allowance to noncurrent loans | 107.7585% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 0.4235% | 4,644 |
| Noncurrent loans to loans | 0.5573% | 4,248 |
| Net loans and leases to total assets | 72.7446% | 1,726 |
| Net loans and leases to deposits | 94.5966% | 985 |
| Net loans and leases to core deposits | 100.2116% | 1,349 |
| Total domestic deposits to total assets | 76.8998% | 5,689 |
| Equity capital to assets | 10.8655% | 3,107 |
| Core capital (leverage) ratio | 10.7460% | 2,764 |
| Tier 1 risk-based capital ratio | 15.7281% | 3,197 |
| Total risk-based capital ratio | 16.5647% | 3,354 |
| Memoranda: | ||
| Average total assets | $1,241,804,750 | 542 |
| Average earning assets | $1,177,949,500 | 521 |
| Average equity | $132,632,500 | 546 |
| Average total loans | $910,447,000 | 486 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6125% | 5,113 |
| Cost of funding earning assets | 0.4785% | 3,040 |
| Net interest margin | 3.1340% | 5,146 |
| Noninterest income to average assets | 0.3258% | 4,804 |
| Noninterest expense to average assets | 2.3183% | 5,108 |
| Loan and lease loss provision to assets | 0.0229% | 3,818 |
| Net operating income to assets | 0.6491% | 4,105 |
| Return on assets (ROA) | 0.7132% | 3,862 |
| Pretax return on assets | 1.0489% | 3,285 |
| Return on Equity (ROE) | 6.7168% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.7168% | 1,914 |
| Net charge-offs to loans | 0.1575% | 2,132 |
| Credit loss provision to net charge-offs | 19.8601% | 3,203 |
| Earnings coverage of net charge-offs (x) | 8.4601% | 2,491 |
| Efficiency ratio | 70.3393% | 3,601 |
| Assets per employee ($millions) | 6.3632% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5942% | 6,319 |
| Loan loss allowance to noncurrent loans | 76.5909% | 4,297 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 4,216 |
| Noncurrent loans to loans | 0.7758% | 3,760 |
| Net loans and leases to total assets | 72.7025% | 1,619 |
| Net loans and leases to deposits | 92.1614% | 1,128 |
| Net loans and leases to core deposits | 97.2554% | 1,498 |
| Total domestic deposits to total assets | 78.8861% | 5,482 |
| Equity capital to assets | 10.8550% | 3,025 |
| Core capital (leverage) ratio | 10.5797% | 2,845 |
| Tier 1 risk-based capital ratio | 15.5198% | 3,344 |
| Total risk-based capital ratio | 16.3640% | 3,519 |
| Memoranda: | ||
| Average total assets | $1,237,521,670 | 546 |
| Average earning assets | $1,172,811,000 | 523 |
| Average equity | $131,402,000 | 551 |
| Average total loans | $907,860,330 | 486 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 5,218 |
| Cost of funding earning assets | 0.4864% | 3,048 |
| Net interest margin | 3.0977% | 5,259 |
| Noninterest income to average assets | 0.2531% | 5,343 |
| Noninterest expense to average assets | 2.3530% | 5,060 |
| Loan and lease loss provision to assets | 0.0214% | 3,549 |
| Net operating income to assets | 0.5570% | 4,425 |
| Return on assets (ROA) | 0.6690% | 3,933 |
| Pretax return on assets | 0.9768% | 3,419 |
| Return on Equity (ROE) | 6.3719% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.3719% | 2,343 |
| Net charge-offs to loans | 0.0176% | 3,231 |
| Credit loss provision to net charge-offs | 165.0000% | 1,185 |
| Earnings coverage of net charge-offs (x) | 64.3750% | 626 |
| Efficiency ratio | 73.8446% | 3,173 |
| Assets per employee ($millions) | 6.4433% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 6,337 |
| Loan loss allowance to noncurrent loans | 90.1173% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5398% | 4,528 |
| Noncurrent loans to loans | 0.7258% | 4,051 |
| Net loans and leases to total assets | 73.1776% | 1,400 |
| Net loans and leases to deposits | 92.8987% | 883 |
| Net loans and leases to core deposits | 97.5502% | 1,272 |
| Total domestic deposits to total assets | 78.7714% | 5,721 |
| Equity capital to assets | 10.5278% | 3,220 |
| Core capital (leverage) ratio | 10.4439% | 3,001 |
| Tier 1 risk-based capital ratio | 15.2718% | 3,563 |
| Total risk-based capital ratio | 16.1438% | 3,723 |
| Memoranda: | ||
| Average total assets | $1,235,872,000 | 546 |
| Average earning assets | $1,170,291,000 | 529 |
| Average equity | $129,757,500 | 560 |
| Average total loans | $908,040,500 | 484 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6825% | 5,185 |
| Cost of funding earning assets | 0.5815% | 2,821 |
| Net interest margin | 3.1011% | 5,310 |
| Noninterest income to average assets | 0.4044% | 4,413 |
| Noninterest expense to average assets | 2.3979% | 5,077 |
| Loan and lease loss provision to assets | 0.0457% | 4,202 |
| Net operating income to assets | 0.6628% | 3,967 |
| Return on assets (ROA) | 0.7864% | 3,468 |
| Pretax return on assets | 1.0553% | 3,135 |
| Return on Equity (ROE) | 7.5895% | 3,252 |
| Retained earnings to average equity (ytd only) | 7.5895% | 1,201 |
| Net charge-offs to loans | -0.0035% | 5,894 |
| Credit loss provision to net charge-offs | -1,786.6667% | 6,302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9208% | 3,490 |
| Assets per employee ($millions) | 6.2984% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6627% | 6,399 |
| Loan loss allowance to noncurrent loans | 72.2242% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 0.9356% | 3,565 |
| Noncurrent loans to loans | 0.9176% | 3,692 |
| Net loans and leases to total assets | 72.8000% | 1,547 |
| Net loans and leases to deposits | 92.2656% | 1,025 |
| Net loans and leases to core deposits | 97.0469% | 1,380 |
| Total domestic deposits to total assets | 78.9026% | 5,673 |
| Equity capital to assets | 10.4704% | 3,202 |
| Core capital (leverage) ratio | 10.3456% | 3,098 |
| Tier 1 risk-based capital ratio | 15.6497% | 3,277 |
| Total risk-based capital ratio | 16.5551% | 3,431 |
| Memoranda: | ||
| Average total assets | $1,172,549,200 | 560 |
| Average earning assets | $1,107,711,600 | 536 |
| Average equity | $121,496,800 | 581 |
| Average total loans | $847,082,000 | 489 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6561% | 5,288 |
| Cost of funding earning assets | 0.6018% | 2,789 |
| Net interest margin | 3.0542% | 5,456 |
| Noninterest income to average assets | 0.3496% | 4,890 |
| Noninterest expense to average assets | 2.3953% | 5,040 |
| Loan and lease loss provision to assets | 0.0429% | 4,152 |
| Net operating income to assets | 0.6155% | 4,280 |
| Return on assets (ROA) | 0.7750% | 3,612 |
| Pretax return on assets | 0.9995% | 3,505 |
| Return on Equity (ROE) | 7.5005% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.5005% | 1,640 |
| Net charge-offs to loans | 0.0085% | 4,988 |
| Credit loss provision to net charge-offs | 703.7736% | 411 |
| Earnings coverage of net charge-offs (x) | 137.4057% | 395 |
| Efficiency ratio | 74.0826% | 3,055 |
| Assets per employee ($millions) | 6.2356% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6497% | 6,502 |
| Loan loss allowance to noncurrent loans | 65.0256% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 1.0052% | 3,644 |
| Noncurrent loans to loans | 0.9991% | 3,810 |
| Net loans and leases to total assets | 72.2965% | 1,555 |
| Net loans and leases to deposits | 90.4699% | 1,113 |
| Net loans and leases to core deposits | 95.2844% | 1,446 |
| Total domestic deposits to total assets | 79.9122% | 5,530 |
| Equity capital to assets | 10.0833% | 3,789 |
| Core capital (leverage) ratio | 10.5902% | 2,903 |
| Tier 1 risk-based capital ratio | 15.2143% | 3,617 |
| Total risk-based capital ratio | 16.0072% | 3,873 |
| Memoranda: | ||
| Average total assets | $1,158,640,000 | 566 |
| Average earning assets | $1,093,939,500 | 546 |
| Average equity | $119,722,000 | 602 |
| Average total loans | $833,831,500 | 495 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7013% | 5,137 |
| Cost of funding earning assets | 0.6288% | 2,694 |
| Net interest margin | 3.0726% | 5,359 |
| Noninterest income to average assets | 0.3611% | 4,806 |
| Noninterest expense to average assets | 2.4113% | 5,022 |
| Loan and lease loss provision to assets | 0.0471% | 4,030 |
| Net operating income to assets | 0.6180% | 4,207 |
| Return on assets (ROA) | 0.7093% | 3,930 |
| Pretax return on assets | 0.9275% | 3,795 |
| Return on Equity (ROE) | 6.8068% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.8068% | 1,979 |
| Net charge-offs to loans | 0.0132% | 4,585 |
| Credit loss provision to net charge-offs | 498.1481% | 561 |
| Earnings coverage of net charge-offs (x) | 90.3148% | 506 |
| Efficiency ratio | 73.8372% | 3,160 |
| Assets per employee ($millions) | 5.8052% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6869% | 6,515 |
| Loan loss allowance to noncurrent loans | 65.9307% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0504% | 3,646 |
| Noncurrent loans to loans | 1.0419% | 3,853 |
| Net loans and leases to total assets | 70.9721% | 1,724 |
| Net loans and leases to deposits | 82.7977% | 1,951 |
| Net loans and leases to core deposits | 87.6533% | 2,146 |
| Total domestic deposits to total assets | 85.7174% | 3,517 |
| Equity capital to assets | 10.4401% | 3,381 |
| Core capital (leverage) ratio | 10.7327% | 2,635 |
| Tier 1 risk-based capital ratio | 15.6451% | 3,399 |
| Total risk-based capital ratio | 16.4698% | 3,602 |
| Memoranda: | ||
| Average total assets | $1,141,617,000 | 576 |
| Average earning assets | $1,079,232,330 | 551 |
| Average equity | $118,970,000 | 606 |
| Average total loans | $818,343,330 | 507 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7240% | 5,081 |
| Cost of funding earning assets | 0.6509% | 2,652 |
| Net interest margin | 3.0731% | 5,358 |
| Noninterest income to average assets | 0.3363% | 5,006 |
| Noninterest expense to average assets | 2.4008% | 5,116 |
| Loan and lease loss provision to assets | 0.0512% | 3,766 |
| Net operating income to assets | 0.6143% | 4,145 |
| Return on assets (ROA) | 0.6516% | 4,108 |
| Pretax return on assets | 0.8434% | 3,984 |
| Return on Equity (ROE) | 6.2581% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.2581% | 2,537 |
| Net charge-offs to loans | 0.0029% | 4,110 |
| Credit loss provision to net charge-offs | 2,433.3333% | 131 |
| Earnings coverage of net charge-offs (x) | 402.1667% | 86 |
| Efficiency ratio | 73.9389% | 3,273 |
| Assets per employee ($millions) | 5.8138% | 1,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 6,623 |
| Loan loss allowance to noncurrent loans | 39.2781% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 1.5350% | 2,958 |
| Noncurrent loans to loans | 1.7279% | 2,956 |
| Net loans and leases to total assets | 71.1351% | 1,498 |
| Net loans and leases to deposits | 83.3175% | 1,663 |
| Net loans and leases to core deposits | 88.3258% | 1,870 |
| Total domestic deposits to total assets | 85.3784% | 3,859 |
| Equity capital to assets | 10.5519% | 3,489 |
| Core capital (leverage) ratio | 10.5132% | 2,760 |
| Tier 1 risk-based capital ratio | 15.5021% | 3,525 |
| Total risk-based capital ratio | 16.3653% | 3,715 |
| Memoranda: | ||
| Average total assets | $1,140,614,000 | 581 |
| Average earning assets | $1,080,345,000 | 553 |
| Average equity | $118,757,500 | 617 |
| Average total loans | $818,881,500 | 504 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 5,530 |
| Cost of funding earning assets | 0.7860% | 2,774 |
| Net interest margin | 3.1284% | 5,742 |
| Noninterest income to average assets | 0.3893% | 4,688 |
| Noninterest expense to average assets | 2.4365% | 5,298 |
| Loan and lease loss provision to assets | 0.1172% | 4,159 |
| Net operating income to assets | 0.5820% | 4,317 |
| Return on assets (ROA) | 0.7131% | 3,936 |
| Pretax return on assets | 0.9549% | 3,725 |
| Return on Equity (ROE) | 7.1080% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.1080% | 1,518 |
| Net charge-offs to loans | 0.1586% | 4,114 |
| Credit loss provision to net charge-offs | 106.0778% | 2,803 |
| Earnings coverage of net charge-offs (x) | 8.1207% | 2,468 |
| Efficiency ratio | 73.0850% | 3,227 |
| Assets per employee ($millions) | 5.8550% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6571% | 6,690 |
| Loan loss allowance to noncurrent loans | 46.0783% | 5,316 |
| Noncurrent assets plus other real estate owned to assets | 1.3214% | 3,436 |
| Noncurrent loans to loans | 1.4261% | 3,460 |
| Net loans and leases to total assets | 71.4917% | 1,573 |
| Net loans and leases to deposits | 83.5229% | 1,810 |
| Net loans and leases to core deposits | 88.5740% | 2,022 |
| Total domestic deposits to total assets | 85.5953% | 3,561 |
| Equity capital to assets | 10.2718% | 3,796 |
| Core capital (leverage) ratio | 10.3853% | 2,903 |
| Tier 1 risk-based capital ratio | 15.2261% | 3,597 |
| Total risk-based capital ratio | 15.9770% | 3,832 |
| Memoranda: | ||
| Average total assets | $1,116,816,800 | 590 |
| Average earning assets | $1,051,160,000 | 560 |
| Average equity | $112,042,000 | 637 |
| Average total loans | $778,164,200 | 527 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 5,704 |
| Cost of funding earning assets | 0.8073% | 2,883 |
| Net interest margin | 3.1268% | 5,879 |
| Noninterest income to average assets | 0.3825% | 4,764 |
| Noninterest expense to average assets | 2.4348% | 5,294 |
| Loan and lease loss provision to assets | 0.1251% | 3,986 |
| Net operating income to assets | 0.5694% | 4,524 |
| Return on assets (ROA) | 0.7174% | 4,082 |
| Pretax return on assets | 0.9590% | 3,883 |
| Return on Equity (ROE) | 7.1955% | 3,698 |
| Retained earnings to average equity (ytd only) | 7.1955% | 2,010 |
| Net charge-offs to loans | 0.1540% | 3,883 |
| Credit loss provision to net charge-offs | 117.6072% | 2,473 |
| Earnings coverage of net charge-offs (x) | 8.3364% | 2,463 |
| Efficiency ratio | 73.3039% | 3,100 |
| Assets per employee ($millions) | 5.9051% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6821% | 6,771 |
| Loan loss allowance to noncurrent loans | 43.7525% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.4278% | 3,467 |
| Noncurrent loans to loans | 1.5591% | 3,444 |
| Net loans and leases to total assets | 70.3741% | 1,839 |
| Net loans and leases to deposits | 82.9985% | 2,000 |
| Net loans and leases to core deposits | 88.6321% | 2,146 |
| Total domestic deposits to total assets | 84.7896% | 3,840 |
| Equity capital to assets | 10.1391% | 4,294 |
| Core capital (leverage) ratio | 10.2995% | 3,167 |
| Tier 1 risk-based capital ratio | 15.0911% | 3,782 |
| Total risk-based capital ratio | 15.8757% | 4,067 |
| Memoranda: | ||
| Average total assets | $1,110,592,000 | 597 |
| Average earning assets | $1,043,886,750 | 570 |
| Average equity | $110,733,750 | 642 |
| Average total loans | $767,297,500 | 526 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 5,852 |
| Cost of funding earning assets | 0.8356% | 2,903 |
| Net interest margin | 3.0892% | 6,038 |
| Noninterest income to average assets | 0.4073% | 4,594 |
| Noninterest expense to average assets | 2.4311% | 5,354 |
| Loan and lease loss provision to assets | 0.1549% | 3,583 |
| Net operating income to assets | 0.5092% | 4,778 |
| Return on assets (ROA) | 0.5984% | 4,630 |
| Pretax return on assets | 0.8454% | 4,296 |
| Return on Equity (ROE) | 6.0370% | 4,307 |
| Retained earnings to average equity (ytd only) | 6.0370% | 2,693 |
| Net charge-offs to loans | 0.2688% | 2,968 |
| Credit loss provision to net charge-offs | 84.1379% | 3,206 |
| Earnings coverage of net charge-offs (x) | 4.7517% | 2,996 |
| Efficiency ratio | 73.5422% | 3,154 |
| Assets per employee ($millions) | 5.6837% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6708% | 6,857 |
| Loan loss allowance to noncurrent loans | 44.7905% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 1.3941% | 3,636 |
| Noncurrent loans to loans | 1.4977% | 3,657 |
| Net loans and leases to total assets | 68.6238% | 2,184 |
| Net loans and leases to deposits | 79.3307% | 2,475 |
| Net loans and leases to core deposits | 84.7742% | 2,595 |
| Total domestic deposits to total assets | 86.5034% | 3,067 |
| Equity capital to assets | 10.0060% | 4,330 |
| Core capital (leverage) ratio | 10.1556% | 3,196 |
| Tier 1 risk-based capital ratio | 15.1242% | 3,685 |
| Total risk-based capital ratio | 15.8847% | 3,976 |
| Memoranda: | ||
| Average total assets | $1,102,862,670 | 600 |
| Average earning assets | $1,034,766,330 | 572 |
| Average equity | $109,326,670 | 649 |
| Average total loans | $755,274,330 | 539 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 5,857 |
| Cost of funding earning assets | 0.8653% | 2,956 |
| Net interest margin | 3.1051% | 6,021 |
| Noninterest income to average assets | 0.4291% | 4,460 |
| Noninterest expense to average assets | 2.4351% | 5,356 |
| Loan and lease loss provision to assets | 0.1877% | 3,080 |
| Net operating income to assets | 0.4993% | 4,835 |
| Return on assets (ROA) | 0.5559% | 4,777 |
| Pretax return on assets | 0.8042% | 4,399 |
| Return on Equity (ROE) | 5.6348% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.6348% | 3,176 |
| Net charge-offs to loans | 0.3609% | 2,220 |
| Credit loss provision to net charge-offs | 76.2963% | 2,798 |
| Earnings coverage of net charge-offs (x) | 3.6978% | 2,776 |
| Efficiency ratio | 72.7986% | 3,289 |
| Assets per employee ($millions) | 5.8690% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6862% | 6,893 |
| Loan loss allowance to noncurrent loans | 50.6572% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2349% | 4,075 |
| Noncurrent loans to loans | 1.3546% | 4,086 |
| Net loans and leases to total assets | 67.3773% | 2,219 |
| Net loans and leases to deposits | 77.9288% | 2,523 |
| Net loans and leases to core deposits | 83.2919% | 2,641 |
| Total domestic deposits to total assets | 86.4601% | 3,273 |
| Equity capital to assets | 9.9233% | 4,228 |
| Core capital (leverage) ratio | 10.1596% | 3,163 |
| Tier 1 risk-based capital ratio | 15.5450% | 3,421 |
| Total risk-based capital ratio | 16.4096% | 3,607 |
| Memoranda: | ||
| Average total assets | $1,097,294,500 | 604 |
| Average earning assets | $1,030,434,500 | 576 |
| Average equity | $108,256,500 | 653 |
| Average total loans | $748,096,000 | 542 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 6,433 |
| Cost of funding earning assets | 1.1246% | 2,502 |
| Net interest margin | 2.8859% | 6,713 |
| Noninterest income to average assets | 0.2626% | 5,658 |
| Noninterest expense to average assets | 2.3996% | 5,777 |
| Loan and lease loss provision to assets | 0.0742% | 5,684 |
| Net operating income to assets | 0.3525% | 5,056 |
| Return on assets (ROA) | 0.5389% | 4,468 |
| Pretax return on assets | 0.7357% | 4,208 |
| Return on Equity (ROE) | 5.4534% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.4534% | 2,334 |
| Net charge-offs to loans | 0.2706% | 4,081 |
| Credit loss provision to net charge-offs | 40.0908% | 5,624 |
| Earnings coverage of net charge-offs (x) | 2.9955% | 3,707 |
| Efficiency ratio | 81.2293% | 2,128 |
| Assets per employee ($millions) | 5.7124% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 6,887 |
| Loan loss allowance to noncurrent loans | 47.7018% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 1.0385% | 4,533 |
| Noncurrent loans to loans | 1.5008% | 3,896 |
| Net loans and leases to total assets | 68.0267% | 2,387 |
| Net loans and leases to deposits | 78.6997% | 2,729 |
| Net loans and leases to core deposits | 83.9768% | 2,896 |
| Total domestic deposits to total assets | 86.4383% | 3,060 |
| Equity capital to assets | 9.8069% | 4,435 |
| Core capital (leverage) ratio | 10.1140% | 3,205 |
| Tier 1 risk-based capital ratio | 15.4009% | 3,388 |
| Total risk-based capital ratio | 16.1520% | 3,672 |
| Memoranda: | ||
| Average total assets | $1,071,238,400 | 611 |
| Average earning assets | $999,076,400 | 588 |
| Average equity | $105,861,200 | 651 |
| Average total loans | $732,770,200 | 563 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1338% | 6,340 |
| Cost of funding earning assets | 1.1776% | 2,465 |
| Net interest margin | 2.9562% | 6,657 |
| Noninterest income to average assets | 0.2189% | 6,045 |
| Noninterest expense to average assets | 2.3935% | 5,779 |
| Loan and lease loss provision to assets | 0.0989% | 5,220 |
| Net operating income to assets | 0.3419% | 5,243 |
| Return on assets (ROA) | 0.4725% | 4,860 |
| Pretax return on assets | 0.6613% | 4,606 |
| Return on Equity (ROE) | 4.7724% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.7724% | 3,328 |
| Net charge-offs to loans | 0.1174% | 4,849 |
| Credit loss provision to net charge-offs | 123.1726% | 2,621 |
| Earnings coverage of net charge-offs (x) | 7.1773% | 2,404 |
| Efficiency ratio | 80.5946% | 2,172 |
| Assets per employee ($millions) | 5.7167% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8974% | 6,604 |
| Loan loss allowance to noncurrent loans | 46.3535% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 1.4136% | 4,010 |
| Noncurrent loans to loans | 1.9361% | 3,451 |
| Net loans and leases to total assets | 68.4405% | 2,390 |
| Net loans and leases to deposits | 79.1425% | 2,784 |
| Net loans and leases to core deposits | 84.4213% | 2,998 |
| Total domestic deposits to total assets | 86.4776% | 2,946 |
| Equity capital to assets | 9.7978% | 4,625 |
| Core capital (leverage) ratio | 9.9487% | 3,511 |
| Tier 1 risk-based capital ratio | 14.9491% | 3,690 |
| Total risk-based capital ratio | 15.8837% | 3,859 |
| Memoranda: | ||
| Average total assets | $1,067,709,500 | 623 |
| Average earning assets | $993,539,500 | 603 |
| Average equity | $105,716,500 | 656 |
| Average total loans | $730,049,000 | 573 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 6,621 |
| Cost of funding earning assets | 1.2318% | 2,371 |
| Net interest margin | 2.7960% | 6,931 |
| Noninterest income to average assets | 0.1759% | 6,400 |
| Noninterest expense to average assets | 2.3429% | 6,021 |
| Loan and lease loss provision to assets | 0.1006% | 5,061 |
| Net operating income to assets | 0.2529% | 5,551 |
| Return on assets (ROA) | 0.4462% | 4,877 |
| Pretax return on assets | 0.5917% | 4,761 |
| Return on Equity (ROE) | 4.4910% | 4,705 |
| Retained earnings to average equity (ytd only) | 4.4910% | 3,336 |
| Net charge-offs to loans | 0.0333% | 5,384 |
| Credit loss provision to net charge-offs | 442.9752% | 685 |
| Earnings coverage of net charge-offs (x) | 19.1322% | 1,229 |
| Efficiency ratio | 84.3528% | 1,776 |
| Assets per employee ($millions) | 5.8069% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 6,540 |
| Loan loss allowance to noncurrent loans | 46.6559% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 1.4210% | 4,084 |
| Noncurrent loans to loans | 2.0197% | 3,453 |
| Net loans and leases to total assets | 67.0590% | 2,814 |
| Net loans and leases to deposits | 78.4558% | 3,046 |
| Net loans and leases to core deposits | 83.4664% | 3,294 |
| Total domestic deposits to total assets | 85.4736% | 3,636 |
| Equity capital to assets | 9.8772% | 4,297 |
| Core capital (leverage) ratio | 9.8912% | 3,398 |
| Tier 1 risk-based capital ratio | 15.9070% | 3,028 |
| Total risk-based capital ratio | 17.1719% | 2,993 |
| Memoranda: | ||
| Average total assets | $1,065,366,330 | 628 |
| Average earning assets | $991,272,330 | 605 |
| Average equity | $105,855,000 | 659 |
| Average total loans | $725,992,670 | 583 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2193% | 6,237 |
| Cost of funding earning assets | 1.2642% | 2,395 |
| Net interest margin | 2.9551% | 6,665 |
| Noninterest income to average assets | 0.4113% | 4,615 |
| Noninterest expense to average assets | 2.4070% | 5,865 |
| Loan and lease loss provision to assets | 0.0997% | 4,760 |
| Net operating income to assets | 0.4810% | 4,570 |
| Return on assets (ROA) | 0.5543% | 4,340 |
| Pretax return on assets | 0.7480% | 4,103 |
| Return on Equity (ROE) | 5.5613% | 4,132 |
| Retained earnings to average equity (ytd only) | 5.5613% | 2,875 |
| Net charge-offs to loans | 0.0948% | 3,993 |
| Credit loss provision to net charge-offs | 153.8012% | 1,865 |
| Earnings coverage of net charge-offs (x) | 11.5497% | 1,548 |
| Efficiency ratio | 76.2734% | 3,115 |
| Assets per employee ($millions) | 5.6855% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9181% | 6,652 |
| Loan loss allowance to noncurrent loans | 32.7563% | 6,118 |
| Noncurrent assets plus other real estate owned to assets | 1.9617% | 3,364 |
| Noncurrent loans to loans | 2.8029% | 2,696 |
| Net loans and leases to total assets | 67.3936% | 2,676 |
| Net loans and leases to deposits | 78.5470% | 2,967 |
| Net loans and leases to core deposits | 83.6490% | 3,216 |
| Total domestic deposits to total assets | 85.8003% | 3,635 |
| Equity capital to assets | 10.0426% | 3,723 |
| Core capital (leverage) ratio | 10.0247% | 3,114 |
| Tier 1 risk-based capital ratio | 16.4360% | 2,693 |
| Total risk-based capital ratio | 17.8005% | 2,616 |
| Memoranda: | ||
| Average total assets | $1,055,104,500 | 643 |
| Average earning assets | $979,878,000 | 619 |
| Average equity | $105,154,500 | 658 |
| Average total loans | $721,432,000 | 592 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 6,200 |
| Cost of funding earning assets | 1.4926% | 2,692 |
| Net interest margin | 3.0722% | 6,593 |
| Noninterest income to average assets | 0.4652% | 4,409 |
| Noninterest expense to average assets | 2.4238% | 6,034 |
| Loan and lease loss provision to assets | 0.2124% | 5,132 |
| Net operating income to assets | 0.5890% | 3,725 |
| Return on assets (ROA) | 0.6348% | 3,664 |
| Pretax return on assets | 0.7377% | 3,837 |
| Return on Equity (ROE) | 6.6033% | 3,298 |
| Retained earnings to average equity (ytd only) | 6.6033% | 1,504 |
| Net charge-offs to loans | 0.0566% | 6,223 |
| Credit loss provision to net charge-offs | 550.2500% | 408 |
| Earnings coverage of net charge-offs (x) | 23.2400% | 912 |
| Efficiency ratio | 72.9901% | 3,598 |
| Assets per employee ($millions) | 5.8484% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 6,723 |
| Loan loss allowance to noncurrent loans | 32.6400% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 2.1174% | 3,194 |
| Noncurrent loans to loans | 2.7573% | 2,762 |
| Net loans and leases to total assets | 68.1158% | 2,960 |
| Net loans and leases to deposits | 79.3610% | 3,279 |
| Net loans and leases to core deposits | 84.3589% | 3,546 |
| Total domestic deposits to total assets | 85.8302% | 3,442 |
| Equity capital to assets | 9.8896% | 3,887 |
| Core capital (leverage) ratio | 9.8493% | 3,263 |
| Tier 1 risk-based capital ratio | 16.0063% | 2,749 |
| Total risk-based capital ratio | 17.2951% | 2,687 |
| Memoranda: | ||
| Average total assets | $1,036,440,000 | 652 |
| Average earning assets | $963,308,400 | 620 |
| Average equity | $99,632,000 | 676 |
| Average total loans | $706,103,000 | 620 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6283% | 6,262 |
| Cost of funding earning assets | 1.5252% | 2,804 |
| Net interest margin | 3.1031% | 6,608 |
| Noninterest income to average assets | 0.3925% | 5,019 |
| Noninterest expense to average assets | 2.4110% | 5,999 |
| Loan and lease loss provision to assets | 0.1347% | 5,680 |
| Net operating income to assets | 0.4992% | 4,320 |
| Return on assets (ROA) | 0.5082% | 4,466 |
| Pretax return on assets | 0.7442% | 4,101 |
| Return on Equity (ROE) | 5.3257% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.3257% | 2,754 |
| Net charge-offs to loans | 0.0106% | 6,517 |
| Credit loss provision to net charge-offs | 1,862.5000% | 165 |
| Earnings coverage of net charge-offs (x) | 119.7041% | 267 |
| Efficiency ratio | 73.5801% | 3,401 |
| Assets per employee ($millions) | 5.8115% | 1,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 7,006 |
| Loan loss allowance to noncurrent loans | 34.0220% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 1.8315% | 3,703 |
| Noncurrent loans to loans | 2.3528% | 3,288 |
| Net loans and leases to total assets | 66.7610% | 3,514 |
| Net loans and leases to deposits | 78.3559% | 3,765 |
| Net loans and leases to core deposits | 83.2368% | 4,060 |
| Total domestic deposits to total assets | 85.2022% | 3,514 |
| Equity capital to assets | 9.6536% | 4,612 |
| Core capital (leverage) ratio | 9.6837% | 3,640 |
| Tier 1 risk-based capital ratio | 15.1743% | 3,170 |
| Total risk-based capital ratio | 16.2392% | 3,243 |
| Memoranda: | ||
| Average total assets | $1,032,373,750 | 646 |
| Average earning assets | $959,531,250 | 622 |
| Average equity | $98,513,000 | 679 |
| Average total loans | $701,736,250 | 625 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6599% | 6,276 |
| Cost of funding earning assets | 1.5707% | 2,830 |
| Net interest margin | 3.0892% | 6,632 |
| Noninterest income to average assets | 0.3153% | 5,637 |
| Noninterest expense to average assets | 2.3765% | 6,128 |
| Loan and lease loss provision to assets | 0.1309% | 5,574 |
| Net operating income to assets | 0.4508% | 4,552 |
| Return on assets (ROA) | 0.4643% | 4,647 |
| Pretax return on assets | 0.6893% | 4,277 |
| Return on Equity (ROE) | 4.8851% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.8851% | 2,968 |
| Net charge-offs to loans | 0.0011% | 6,366 |
| Credit loss provision to net charge-offs | 16,750.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,024.0000% | 25 |
| Efficiency ratio | 74.8140% | 3,301 |
| Assets per employee ($millions) | 5.5628% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7614% | 7,120 |
| Loan loss allowance to noncurrent loans | 30.3974% | 6,340 |
| Noncurrent assets plus other real estate owned to assets | 1.8770% | 3,650 |
| Noncurrent loans to loans | 2.5048% | 3,146 |
| Net loans and leases to total assets | 67.3711% | 3,529 |
| Net loans and leases to deposits | 78.7172% | 3,849 |
| Net loans and leases to core deposits | 83.4238% | 4,220 |
| Total domestic deposits to total assets | 85.5862% | 3,324 |
| Equity capital to assets | 9.4627% | 4,764 |
| Core capital (leverage) ratio | 9.6653% | 3,587 |
| Tier 1 risk-based capital ratio | 15.5755% | 2,855 |
| Total risk-based capital ratio | 16.4809% | 3,003 |
| Memoranda: | ||
| Average total assets | $1,023,936,670 | 647 |
| Average earning assets | $948,396,000 | 630 |
| Average equity | $97,315,670 | 674 |
| Average total loans | $698,375,330 | 630 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5938% | 6,578 |
| Cost of funding earning assets | 1.6148% | 2,871 |
| Net interest margin | 2.9790% | 6,879 |
| Noninterest income to average assets | 0.4438% | 4,527 |
| Noninterest expense to average assets | 2.4025% | 6,074 |
| Loan and lease loss provision to assets | 0.1122% | 5,490 |
| Net operating income to assets | 0.4631% | 4,560 |
| Return on assets (ROA) | 0.3938% | 5,007 |
| Pretax return on assets | 0.5726% | 4,705 |
| Return on Equity (ROE) | 4.1341% | 4,832 |
| Retained earnings to average equity (ytd only) | 4.1341% | 3,669 |
| Net charge-offs to loans | 0.0023% | 5,593 |
| Credit loss provision to net charge-offs | 7,125.0000% | 66 |
| Earnings coverage of net charge-offs (x) | 498.5000% | 53 |
| Efficiency ratio | 75.3675% | 3,338 |
| Assets per employee ($millions) | 5.5542% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7186% | 7,301 |
| Loan loss allowance to noncurrent loans | 32.4451% | 6,247 |
| Noncurrent assets plus other real estate owned to assets | 1.6919% | 3,944 |
| Noncurrent loans to loans | 2.2147% | 3,510 |
| Net loans and leases to total assets | 67.8588% | 3,423 |
| Net loans and leases to deposits | 79.7055% | 3,711 |
| Net loans and leases to core deposits | 84.4600% | 4,145 |
| Total domestic deposits to total assets | 85.1370% | 3,592 |
| Equity capital to assets | 9.6480% | 4,308 |
| Core capital (leverage) ratio | 9.7273% | 3,481 |
| Tier 1 risk-based capital ratio | 15.9588% | 2,673 |
| Total risk-based capital ratio | 17.0150% | 2,691 |
| Memoranda: | ||
| Average total assets | $1,015,787,500 | 668 |
| Average earning assets | $935,617,000 | 656 |
| Average equity | $96,756,500 | 682 |
| Average total loans | $694,465,500 | 652 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0325% | 6,331 |
| Cost of funding earning assets | 2.0660% | 2,651 |
| Net interest margin | 2.9665% | 6,724 |
| Noninterest income to average assets | 0.5405% | 4,106 |
| Noninterest expense to average assets | 2.4333% | 6,360 |
| Loan and lease loss provision to assets | 0.1427% | 6,215 |
| Net operating income to assets | 0.5783% | 3,417 |
| Return on assets (ROA) | 0.4776% | 3,928 |
| Pretax return on assets | 0.5985% | 3,902 |
| Return on Equity (ROE) | 5.5314% | 3,409 |
| Retained earnings to average equity (ytd only) | 5.5314% | 1,562 |
| Net charge-offs to loans | 0.0875% | 6,245 |
| Credit loss provision to net charge-offs | 228.0000% | 1,627 |
| Earnings coverage of net charge-offs (x) | 13.8544% | 1,398 |
| Efficiency ratio | 73.7280% | 3,955 |
| Assets per employee ($millions) | 5.3998% | 1,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6786% | 7,417 |
| Loan loss allowance to noncurrent loans | 62.1094% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8934% | 5,316 |
| Noncurrent loans to loans | 1.0926% | 5,139 |
| Net loans and leases to total assets | 67.9204% | 3,718 |
| Net loans and leases to deposits | 79.9635% | 4,002 |
| Net loans and leases to core deposits | 98.5848% | 4,166 |
| Total domestic deposits to total assets | 84.9392% | 3,578 |
| Equity capital to assets | 9.4024% | 4,549 |
| Core capital (leverage) ratio | 9.6101% | 3,584 |
| Tier 1 risk-based capital ratio | 15.5459% | 2,697 |
| Total risk-based capital ratio | 16.4776% | 2,795 |
| Memoranda: | ||
| Average total assets | $998,624,000 | 667 |
| Average earning assets | $929,075,600 | 653 |
| Average equity | $86,216,400 | 740 |
| Average total loans | $714,059,400 | 648 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0524% | 6,443 |
| Cost of funding earning assets | 2.1410% | 2,705 |
| Net interest margin | 2.9115% | 6,832 |
| Noninterest income to average assets | 0.4713% | 4,742 |
| Noninterest expense to average assets | 2.4161% | 6,362 |
| Loan and lease loss provision to assets | 0.1445% | 5,911 |
| Net operating income to assets | 0.4420% | 4,227 |
| Return on assets (ROA) | 0.3116% | 4,861 |
| Pretax return on assets | 0.4507% | 4,660 |
| Return on Equity (ROE) | 3.6928% | 4,502 |
| Retained earnings to average equity (ytd only) | 3.6928% | 3,225 |
| Net charge-offs to loans | 0.1064% | 5,603 |
| Credit loss provision to net charge-offs | 187.8049% | 2,421 |
| Earnings coverage of net charge-offs (x) | 10.1917% | 1,991 |
| Efficiency ratio | 75.4933% | 3,589 |
| Assets per employee ($millions) | 5.4590% | 1,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6121% | 7,554 |
| Loan loss allowance to noncurrent loans | 64.6697% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 0.7481% | 5,633 |
| Noncurrent loans to loans | 0.9465% | 5,404 |
| Net loans and leases to total assets | 71.3663% | 3,184 |
| Net loans and leases to deposits | 85.6105% | 3,397 |
| Net loans and leases to core deposits | 104.6927% | 3,854 |
| Total domestic deposits to total assets | 83.3617% | 4,036 |
| Equity capital to assets | 8.9848% | 5,499 |
| Core capital (leverage) ratio | 9.3879% | 4,065 |
| Tier 1 risk-based capital ratio | 15.3620% | 2,887 |
| Total risk-based capital ratio | 16.2438% | 2,981 |
| Memoranda: | ||
| Average total assets | $994,488,750 | 684 |
| Average earning assets | $932,199,250 | 667 |
| Average equity | $83,908,000 | 776 |
| Average total loans | $719,020,500 | 661 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 6,331 |
| Cost of funding earning assets | 2.2420% | 2,615 |
| Net interest margin | 2.8843% | 6,835 |
| Noninterest income to average assets | 0.5049% | 4,404 |
| Noninterest expense to average assets | 2.6823% | 5,447 |
| Loan and lease loss provision to assets | 0.1128% | 6,018 |
| Net operating income to assets | 0.2720% | 5,008 |
| Return on assets (ROA) | 0.2952% | 5,028 |
| Pretax return on assets | 0.4512% | 4,782 |
| Return on Equity (ROE) | 3.5773% | 4,674 |
| Retained earnings to average equity (ytd only) | 3.5773% | 3,309 |
| Net charge-offs to loans | 0.1097% | 5,058 |
| Credit loss provision to net charge-offs | 141.8782% | 3,279 |
| Earnings coverage of net charge-offs (x) | 6.6447% | 2,582 |
| Efficiency ratio | 83.5460% | 2,532 |
| Assets per employee ($millions) | 5.2604% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5540% | 7,718 |
| Loan loss allowance to noncurrent loans | 70.5923% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 0.6192% | 5,869 |
| Noncurrent loans to loans | 0.7848% | 5,664 |
| Net loans and leases to total assets | 72.4436% | 3,106 |
| Net loans and leases to deposits | 86.8556% | 3,376 |
| Net loans and leases to core deposits | 106.0216% | 3,842 |
| Total domestic deposits to total assets | 83.4070% | 4,061 |
| Equity capital to assets | 8.4938% | 6,056 |
| Core capital (leverage) ratio | 9.2134% | 4,288 |
| Tier 1 risk-based capital ratio | 14.6835% | 3,156 |
| Total risk-based capital ratio | 15.3336% | 3,406 |
| Memoranda: | ||
| Average total assets | $991,164,000 | 702 |
| Average earning assets | $929,789,000 | 680 |
| Average equity | $81,794,330 | 805 |
| Average total loans | $718,273,000 | 688 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2307% | 6,186 |
| Cost of funding earning assets | 2.3418% | 2,538 |
| Net interest margin | 2.8889% | 6,771 |
| Noninterest income to average assets | 0.3113% | 5,949 |
| Noninterest expense to average assets | 2.2503% | 6,692 |
| Loan and lease loss provision to assets | 0.0281% | 6,573 |
| Net operating income to assets | 0.4936% | 4,448 |
| Return on assets (ROA) | 0.5064% | 4,580 |
| Pretax return on assets | 0.7607% | 4,221 |
| Return on Equity (ROE) | 6.2307% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.2307% | 2,536 |
| Net charge-offs to loans | 0.0445% | 4,855 |
| Credit loss provision to net charge-offs | 87.3418% | 4,056 |
| Earnings coverage of net charge-offs (x) | 23.9114% | 1,257 |
| Efficiency ratio | 74.5143% | 3,731 |
| Assets per employee ($millions) | 5.4344% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5407% | 7,770 |
| Loan loss allowance to noncurrent loans | 71.4338% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 0.5461% | 5,838 |
| Noncurrent loans to loans | 0.7569% | 5,531 |
| Net loans and leases to total assets | 71.7686% | 3,296 |
| Net loans and leases to deposits | 85.5119% | 3,714 |
| Net loans and leases to core deposits | 104.4413% | 4,091 |
| Total domestic deposits to total assets | 83.9281% | 3,743 |
| Equity capital to assets | 7.9383% | 6,902 |
| Core capital (leverage) ratio | 9.3250% | 4,208 |
| Tier 1 risk-based capital ratio | 14.8954% | 3,119 |
| Total risk-based capital ratio | 15.5259% | 3,372 |
| Memoranda: | ||
| Average total assets | $981,751,000 | 705 |
| Average earning assets | $920,490,000 | 685 |
| Average equity | $79,798,000 | 829 |
| Average total loans | $709,535,000 | 698 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5056% | 7,286 |
| Cost of funding earning assets | 2.7884% | 2,756 |
| Net interest margin | 2.7172% | 7,467 |
| Noninterest income to average assets | 0.2931% | 6,364 |
| Noninterest expense to average assets | 2.7507% | 5,042 |
| Loan and lease loss provision to assets | 0.0498% | 6,790 |
| Net operating income to assets | -0.0265% | 6,408 |
| Return on assets (ROA) | -0.8944% | 7,104 |
| Pretax return on assets | -0.8066% | 6,882 |
| Return on Equity (ROE) | -9.1636% | 7,210 |
| Retained earnings to average equity (ytd only) | -9.1636% | 6,986 |
| Net charge-offs to loans | 0.0058% | 6,890 |
| Credit loss provision to net charge-offs | 1,225.0000% | 368 |
| Earnings coverage of net charge-offs (x) | 27.3250% | 1,249 |
| Efficiency ratio | 96.1203% | 1,145 |
| Assets per employee ($millions) | 5.2655% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5607% | 7,746 |
| Loan loss allowance to noncurrent loans | 73.4598% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 5,525 |
| Noncurrent loans to loans | 0.7633% | 5,122 |
| Net loans and leases to total assets | 71.9845% | 3,588 |
| Net loans and leases to deposits | 86.5956% | 4,019 |
| Net loans and leases to core deposits | 105.9521% | 4,203 |
| Total domestic deposits to total assets | 83.1272% | 3,714 |
| Equity capital to assets | 8.3251% | 6,382 |
| Core capital (leverage) ratio | 9.2716% | 4,341 |
| Tier 1 risk-based capital ratio | 15.2040% | 2,956 |
| Total risk-based capital ratio | 15.8552% | 3,172 |
| Memoranda: | ||
| Average total assets | $984,458,200 | 667 |
| Average earning assets | $930,612,000 | 644 |
| Average equity | $96,087,200 | 694 |
| Average total loans | $694,300,000 | 686 |