Home > ESSA Bank & Trust > Performance and Condition Ratios
ESSA Bank & Trust, 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 | 4.7068% | 2,665 |
| Cost of funding earning assets | 1.6623% | 1,538 |
| Net interest margin | 3.0445% | 3,191 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.1267% | 3,332 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8549% | 2,688 |
| Return on assets (ROA) | 0.8432% | 2,705 |
| Pretax return on assets | 1.0484% | 2,538 |
| Return on Equity (ROE) | 8.4500% | 2,905 |
| Retained earnings to average equity (ytd only) | 1.8239% | 3,617 |
| Net charge-offs to loans | 0.0469% | 1,406 |
| Credit loss provision to net charge-offs | 20.0000% | 2,310 |
| Earnings coverage of net charge-offs (x) | 29.6261% | 1,644 |
| Efficiency ratio | 66.2407% | 2,318 |
| Assets per employee ($millions) | 9.1627% | 933 |
| Cash dividends to net income (ytd only)* | 78.4138% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8970% | 3,717 |
| Loan loss allowance to noncurrent loans | 140.2217% | 2,930 |
| Noncurrent assets plus other real estate owned to assets | 0.6404% | 847 |
| Noncurrent loans to loans | 0.6397% | 1,229 |
| Net loans and leases to total assets | 76.8800% | 993 |
| Net loans and leases to deposits | 106.5162% | 275 |
| Net loans and leases to core deposits | 128.7423% | 421 |
| Total domestic deposits to total assets | 72.1800% | 4,218 |
| Equity capital to assets | 9.4604% | 2,374 |
| Core capital (leverage) ratio | 9.0929% | 3,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8217% | 2,297 |
| Memoranda: | ||
| Average total assets | $2,117,530,200 | 546 |
| Average earning assets | $1,974,566,200 | 530 |
| Average equity | $211,299,800 | 516 |
| Average total loans | $1,631,907,600 | 488 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 2,741 |
| Cost of funding earning assets | 1.4666% | 1,691 |
| Net interest margin | 3.1070% | 3,130 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 2.1377% | 3,241 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.8737% | 2,783 |
| Return on assets (ROA) | 0.8676% | 2,791 |
| Pretax return on assets | 1.0808% | 2,627 |
| Return on Equity (ROE) | 8.5800% | 3,039 |
| Retained earnings to average equity (ytd only) | 4.7976% | 3,001 |
| Net charge-offs to loans | 0.0634% | 1,029 |
| Credit loss provision to net charge-offs | 71.8016% | 1,797 |
| Earnings coverage of net charge-offs (x) | 23.0183% | 1,746 |
| Efficiency ratio | 65.2736% | 2,358 |
| Assets per employee ($millions) | 9.4508% | 795 |
| Cash dividends to net income (ytd only)* | 44.0626% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 2,910 |
| Loan loss allowance to noncurrent loans | 167.4955% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.6284% | 925 |
| Noncurrent loans to loans | 0.6509% | 1,261 |
| Net loans and leases to total assets | 73.4900% | 1,407 |
| Net loans and leases to deposits | 100.7795% | 479 |
| Net loans and leases to core deposits | 121.5670% | 510 |
| Total domestic deposits to total assets | 72.9200% | 4,220 |
| Equity capital to assets | 9.2040% | 2,288 |
| Core capital (leverage) ratio | 9.4036% | 3,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0063% | 2,270 |
| Memoranda: | ||
| Average total assets | $2,092,568,000 | 554 |
| Average earning assets | $1,949,458,750 | 536 |
| Average equity | $211,681,750 | 513 |
| Average total loans | $1,609,845,000 | 493 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4303% | 2,809 |
| Cost of funding earning assets | 1.2481% | 1,859 |
| Net interest margin | 3.1822% | 3,030 |
| Noninterest income to average assets | 0.3900% | 2,505 |
| Noninterest expense to average assets | 2.2147% | 3,031 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8892% | 2,797 |
| Return on assets (ROA) | 0.8892% | 2,782 |
| Pretax return on assets | 1.1041% | 2,638 |
| Return on Equity (ROE) | 8.5000% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.5017% | 1,820 |
| Net charge-offs to loans | 0.1039% | 664 |
| Credit loss provision to net charge-offs | 36.5408% | 1,720 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,889 |
| Efficiency ratio | 65.8625% | 2,256 |
| Assets per employee ($millions) | 8.9398% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 2,861 |
| Loan loss allowance to noncurrent loans | 163.3495% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6739% | 782 |
| Noncurrent loans to loans | 0.6846% | 1,094 |
| Net loans and leases to total assets | 73.8600% | 1,311 |
| Net loans and leases to deposits | 104.5806% | 352 |
| Net loans and leases to core deposits | 121.6831% | 479 |
| Total domestic deposits to total assets | 70.6200% | 4,336 |
| Equity capital to assets | 9.8163% | 1,968 |
| Core capital (leverage) ratio | 10.3354% | 2,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5688% | 2,072 |
| Memoranda: | ||
| Average total assets | $2,027,726,667 | 557 |
| Average earning assets | $1,886,070,333 | 540 |
| Average equity | $212,074,000 | 504 |
| Average total loans | $1,580,026,667 | 488 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4247% | 2,482 |
| Cost of funding earning assets | 1.1263% | 1,676 |
| Net interest margin | 3.2983% | 2,879 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.2836% | 2,864 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.9501% | 2,690 |
| Return on assets (ROA) | 0.9501% | 2,650 |
| Pretax return on assets | 1.1629% | 2,531 |
| Return on Equity (ROE) | 8.7800% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.7828% | 2,009 |
| Net charge-offs to loans | 0.1481% | 461 |
| Credit loss provision to net charge-offs | 26.0417% | 1,368 |
| Earnings coverage of net charge-offs (x) | 10.1076% | 1,670 |
| Efficiency ratio | 65.3950% | 2,287 |
| Assets per employee ($millions) | 8.1824% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1536% | 2,806 |
| Loan loss allowance to noncurrent loans | 160.6861% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.7547% | 638 |
| Noncurrent loans to loans | 0.7179% | 1,054 |
| Net loans and leases to total assets | 79.2500% | 613 |
| Net loans and leases to deposits | 108.8130% | 205 |
| Net loans and leases to core deposits | 121.4718% | 403 |
| Total domestic deposits to total assets | 72.8400% | 4,326 |
| Equity capital to assets | 10.7547% | 1,429 |
| Core capital (leverage) ratio | 10.4593% | 2,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3620% | 2,234 |
| Memoranda: | ||
| Average total assets | $1,950,933,500 | 587 |
| Average earning assets | $1,810,124,000 | 577 |
| Average equity | $211,048,500 | 516 |
| Average total loans | $1,555,397,000 | 506 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 2,105 |
| Cost of funding earning assets | 0.3124% | 2,776 |
| Net interest margin | 3.5452% | 1,799 |
| Noninterest income to average assets | 0.4400% | 2,437 |
| Noninterest expense to average assets | 2.3566% | 2,562 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.0952% | 2,194 |
| Return on assets (ROA) | 1.0952% | 2,136 |
| Pretax return on assets | 1.3709% | 1,861 |
| Return on Equity (ROE) | 9.9400% | 2,830 |
| Retained earnings to average equity (ytd only) | 5.0840% | 3,011 |
| Net charge-offs to loans | -0.0269% | 4,162 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7687% | 2,659 |
| Assets per employee ($millions) | 7.9410% | 1,350 |
| Cash dividends to net income (ytd only)* | 48.8759% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,249 |
| Loan loss allowance to noncurrent loans | 126.4319% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 0.7727% | 612 |
| Noncurrent loans to loans | 0.9732% | 756 |
| Net loans and leases to total assets | 78.2800% | 771 |
| Net loans and leases to deposits | 108.8126% | 179 |
| Net loans and leases to core deposits | 112.7587% | 527 |
| Total domestic deposits to total assets | 71.9400% | 4,427 |
| Equity capital to assets | 10.8829% | 1,308 |
| Core capital (leverage) ratio | 10.5031% | 2,192 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5105% | 2,163 |
| Memoranda: | ||
| Average total assets | $1,868,231,600 | 592 |
| Average earning assets | $1,738,854,200 | 579 |
| Average equity | $205,744,000 | 514 |
| Average total loans | $1,418,475,000 | 505 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 1,927 |
| Cost of funding earning assets | 0.1854% | 3,447 |
| Net interest margin | 3.5548% | 1,509 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.3572% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1163% | 2,018 |
| Return on assets (ROA) | 1.1163% | 1,985 |
| Pretax return on assets | 1.4046% | 1,701 |
| Return on Equity (ROE) | 10.1100% | 2,687 |
| Retained earnings to average equity (ytd only) | 3.5985% | 3,585 |
| Net charge-offs to loans | -0.0305% | 4,138 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 62.3316% | 2,791 |
| Assets per employee ($millions) | 7.7289% | 1,460 |
| Cash dividends to net income (ytd only)* | 64.3915% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 2,154 |
| Loan loss allowance to noncurrent loans | 122.8484% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8146% | 614 |
| Noncurrent loans to loans | 1.0371% | 735 |
| Net loans and leases to total assets | 77.4000% | 760 |
| Net loans and leases to deposits | 103.1427% | 260 |
| Net loans and leases to core deposits | 104.1983% | 648 |
| Total domestic deposits to total assets | 75.0400% | 4,408 |
| Equity capital to assets | 10.9975% | 1,179 |
| Core capital (leverage) ratio | 10.4708% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3324% | 2,348 |
| Memoranda: | ||
| Average total assets | $1,854,857,250 | 597 |
| Average earning assets | $1,728,401,750 | 581 |
| Average equity | $204,895,000 | 516 |
| Average total loans | $1,392,308,500 | 504 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5187% | 2,077 |
| Cost of funding earning assets | 0.1584% | 3,476 |
| Net interest margin | 3.3603% | 1,719 |
| Noninterest income to average assets | 0.4469% | 2,473 |
| Noninterest expense to average assets | 2.2653% | 2,653 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0513% | 1,969 |
| Return on assets (ROA) | 1.0513% | 1,938 |
| Pretax return on assets | 1.3223% | 1,675 |
| Return on Equity (ROE) | 9.5032% | 2,523 |
| Retained earnings to average equity (ytd only) | -0.2437% | 4,209 |
| Net charge-offs to loans | -0.0181% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7645% | 2,949 |
| Assets per employee ($millions) | 7.6494% | 1,515 |
| Cash dividends to net income (ytd only)* | 102.5641% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 2,141 |
| Loan loss allowance to noncurrent loans | 228.4041% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4413% | 1,289 |
| Noncurrent loans to loans | 0.5740% | 1,470 |
| Net loans and leases to total assets | 75.1784% | 804 |
| Net loans and leases to deposits | 99.5846% | 288 |
| Net loans and leases to core deposits | 100.6043% | 650 |
| Total domestic deposits to total assets | 75.4920% | 4,483 |
| Equity capital to assets | 11.0031% | 1,208 |
| Core capital (leverage) ratio | 10.0811% | 2,299 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7483% | 2,179 |
| Memoranda: | ||
| Average total assets | $1,854,828,333 | 590 |
| Average earning assets | $1,733,579,667 | 578 |
| Average equity | $205,194,000 | 517 |
| Average total loans | $1,371,641,000 | 505 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4239% | 2,020 |
| Cost of funding earning assets | 0.1746% | 3,164 |
| Net interest margin | 3.2493% | 1,723 |
| Noninterest income to average assets | 0.4268% | 2,519 |
| Noninterest expense to average assets | 2.2084% | 2,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0114% | 1,831 |
| Return on assets (ROA) | 1.0114% | 1,824 |
| Pretax return on assets | 1.2650% | 1,605 |
| Return on Equity (ROE) | 9.1184% | 2,277 |
| Retained earnings to average equity (ytd only) | 9.1184% | 1,240 |
| Net charge-offs to loans | 0.0006% | 1,824 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 2,948.0000% | 17 |
| Efficiency ratio | 63.1725% | 3,120 |
| Assets per employee ($millions) | 7.9279% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3403% | 2,157 |
| Loan loss allowance to noncurrent loans | 222.5101% | 2,475 |
| Noncurrent assets plus other real estate owned to assets | 0.4438% | 1,378 |
| Noncurrent loans to loans | 0.6023% | 1,557 |
| Net loans and leases to total assets | 71.9420% | 838 |
| Net loans and leases to deposits | 82.0509% | 1,007 |
| Net loans and leases to core deposits | 96.8735% | 619 |
| Total domestic deposits to total assets | 87.6798% | 2,676 |
| Equity capital to assets | 11.2657% | 1,211 |
| Core capital (leverage) ratio | 10.4034% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5228% | 1,979 |
| Memoranda: | ||
| Average total assets | $1,864,317,000 | 592 |
| Average earning assets | $1,748,080,500 | 575 |
| Average equity | $206,791,000 | 528 |
| Average total loans | $1,358,212,500 | 505 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3192% | 3,146 |
| Cost of funding earning assets | 0.2801% | 2,602 |
| Net interest margin | 3.0390% | 3,077 |
| Noninterest income to average assets | 0.5523% | 2,350 |
| Noninterest expense to average assets | 2.2270% | 2,995 |
| Loan and lease loss provision to assets | 0.0961% | 1,295 |
| Net operating income to assets | 0.8947% | 3,062 |
| Return on assets (ROA) | 0.9149% | 3,050 |
| Pretax return on assets | 1.1093% | 2,937 |
| Return on Equity (ROE) | 8.8157% | 2,978 |
| Retained earnings to average equity (ytd only) | 5.4729% | 2,575 |
| Net charge-offs to loans | -0.0195% | 3,966 |
| Credit loss provision to net charge-offs | -669.1450% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9294% | 2,416 |
| Assets per employee ($millions) | 7.9726% | 1,347 |
| Cash dividends to net income (ytd only)* | 37.9186% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 2,177 |
| Loan loss allowance to noncurrent loans | 96.1660% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.0254% | 528 |
| Noncurrent loans to loans | 1.3945% | 669 |
| Net loans and leases to total assets | 71.8108% | 854 |
| Net loans and leases to deposits | 81.5099% | 1,102 |
| Net loans and leases to core deposits | 97.4078% | 642 |
| Total domestic deposits to total assets | 88.1007% | 1,992 |
| Equity capital to assets | 10.9186% | 1,839 |
| Core capital (leverage) ratio | 10.0883% | 2,283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5561% | 2,036 |
| Memoranda: | ||
| Average total assets | $1,873,744,800 | 569 |
| Average earning assets | $1,760,586,000 | 554 |
| Average equity | $194,447,600 | 560 |
| Average total loans | $1,380,413,400 | 495 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3283% | 3,313 |
| Cost of funding earning assets | 0.3038% | 2,559 |
| Net interest margin | 3.0245% | 3,249 |
| Noninterest income to average assets | 0.5721% | 2,331 |
| Noninterest expense to average assets | 2.2441% | 2,910 |
| Loan and lease loss provision to assets | 0.1279% | 910 |
| Net operating income to assets | 0.8568% | 3,365 |
| Return on assets (ROA) | 0.8837% | 3,369 |
| Pretax return on assets | 1.0732% | 3,258 |
| Return on Equity (ROE) | 8.6270% | 3,222 |
| Retained earnings to average equity (ytd only) | 4.1164% | 3,539 |
| Net charge-offs to loans | -0.0165% | 3,888 |
| Credit loss provision to net charge-offs | -1,046.5116% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3392% | 2,194 |
| Assets per employee ($millions) | 7.6444% | 1,474 |
| Cash dividends to net income (ytd only)* | 52.2844% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 2,320 |
| Loan loss allowance to noncurrent loans | 114.1552% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8790% | 788 |
| Noncurrent loans to loans | 1.1673% | 956 |
| Net loans and leases to total assets | 72.2026% | 855 |
| Net loans and leases to deposits | 81.7212% | 1,132 |
| Net loans and leases to core deposits | 96.6103% | 719 |
| Total domestic deposits to total assets | 88.3523% | 1,643 |
| Equity capital to assets | 10.5952% | 2,370 |
| Core capital (leverage) ratio | 10.0463% | 2,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4690% | 2,180 |
| Memoranda: | ||
| Average total assets | $1,875,785,750 | 572 |
| Average earning assets | $1,761,682,000 | 559 |
| Average equity | $192,135,500 | 567 |
| Average total loans | $1,386,042,000 | 502 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 3,415 |
| Cost of funding earning assets | 0.3427% | 2,381 |
| Net interest margin | 2.9596% | 3,424 |
| Noninterest income to average assets | 0.6205% | 2,129 |
| Noninterest expense to average assets | 2.2121% | 3,049 |
| Loan and lease loss provision to assets | 0.1594% | 723 |
| Net operating income to assets | 0.8589% | 3,339 |
| Return on assets (ROA) | 0.8994% | 3,301 |
| Pretax return on assets | 1.0785% | 3,278 |
| Return on Equity (ROE) | 8.8815% | 3,139 |
| Retained earnings to average equity (ytd only) | 2.0601% | 4,097 |
| Net charge-offs to loans | -0.0075% | 3,559 |
| Credit loss provision to net charge-offs | -2,884.6154% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6147% | 2,347 |
| Assets per employee ($millions) | 7.2912% | 1,599 |
| Cash dividends to net income (ytd only)* | 76.8049% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2748% | 2,560 |
| Loan loss allowance to noncurrent loans | 82.1707% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 1.2066% | 562 |
| Noncurrent loans to loans | 1.5514% | 724 |
| Net loans and leases to total assets | 75.4723% | 641 |
| Net loans and leases to deposits | 85.3367% | 958 |
| Net loans and leases to core deposits | 103.1015% | 562 |
| Total domestic deposits to total assets | 88.4406% | 1,595 |
| Equity capital to assets | 10.5445% | 2,358 |
| Core capital (leverage) ratio | 9.4161% | 2,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2851% | 2,253 |
| Memoranda: | ||
| Average total assets | $1,881,848,000 | 563 |
| Average earning assets | $1,768,068,000 | 553 |
| Average equity | $190,575,000 | 565 |
| Average total loans | $1,394,940,000 | 501 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2757% | 3,516 |
| Cost of funding earning assets | 0.3793% | 2,271 |
| Net interest margin | 2.8964% | 3,538 |
| Noninterest income to average assets | 0.6506% | 2,025 |
| Noninterest expense to average assets | 2.1608% | 3,230 |
| Loan and lease loss provision to assets | 0.1880% | 656 |
| Net operating income to assets | 0.8526% | 3,262 |
| Return on assets (ROA) | 0.9249% | 3,136 |
| Pretax return on assets | 1.1100% | 3,087 |
| Return on Equity (ROE) | 9.3150% | 2,917 |
| Retained earnings to average equity (ytd only) | 9.3150% | 1,853 |
| Net charge-offs to loans | -0.0323% | 4,208 |
| Credit loss provision to net charge-offs | -796.4602% | 3,292 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6662% | 2,507 |
| Assets per employee ($millions) | 7.9965% | 1,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,812 |
| Loan loss allowance to noncurrent loans | 69.4578% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 1.2755% | 561 |
| Noncurrent loans to loans | 1.7580% | 672 |
| Net loans and leases to total assets | 70.5445% | 1,217 |
| Net loans and leases to deposits | 79.1431% | 1,601 |
| Net loans and leases to core deposits | 103.4813% | 590 |
| Total domestic deposits to total assets | 89.1354% | 1,276 |
| Equity capital to assets | 9.8450% | 2,849 |
| Core capital (leverage) ratio | 9.6156% | 2,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8572% | 2,341 |
| Memoranda: | ||
| Average total assets | $1,915,023,500 | 549 |
| Average earning assets | $1,799,058,500 | 543 |
| Average equity | $190,145,000 | 559 |
| Average total loans | $1,398,465,000 | 502 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5292% | 3,965 |
| Cost of funding earning assets | 0.7669% | 1,361 |
| Net interest margin | 2.7623% | 4,308 |
| Noninterest income to average assets | 0.5829% | 2,289 |
| Noninterest expense to average assets | 2.1371% | 3,853 |
| Loan and lease loss provision to assets | 0.1996% | 1,962 |
| Net operating income to assets | 0.6767% | 3,504 |
| Return on assets (ROA) | 0.7932% | 3,235 |
| Pretax return on assets | 0.9662% | 3,153 |
| Return on Equity (ROE) | 8.0685% | 2,790 |
| Retained earnings to average equity (ytd only) | 2.1908% | 3,747 |
| Net charge-offs to loans | 0.0290% | 2,449 |
| Credit loss provision to net charge-offs | 935.9606% | 818 |
| Earnings coverage of net charge-offs (x) | 47.9951% | 1,236 |
| Efficiency ratio | 67.1642% | 2,342 |
| Assets per employee ($millions) | 7.6348% | 1,200 |
| Cash dividends to net income (ytd only)* | 72.8477% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 3,167 |
| Loan loss allowance to noncurrent loans | 78.4992% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1234% | 807 |
| Noncurrent loans to loans | 1.4771% | 905 |
| Net loans and leases to total assets | 73.8590% | 1,041 |
| Net loans and leases to deposits | 83.9153% | 1,470 |
| Net loans and leases to core deposits | 107.9201% | 572 |
| Total domestic deposits to total assets | 88.0162% | 1,462 |
| Equity capital to assets | 10.0179% | 3,122 |
| Core capital (leverage) ratio | 9.2770% | 3,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9601% | 2,248 |
| Memoranda: | ||
| Average total assets | $1,903,633,800 | 496 |
| Average earning assets | $1,776,521,200 | 494 |
| Average equity | $187,146,400 | 538 |
| Average total loans | $1,398,501,200 | 477 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5667% | 4,089 |
| Cost of funding earning assets | 0.8603% | 1,212 |
| Net interest margin | 2.7064% | 4,457 |
| Noninterest income to average assets | 0.5574% | 2,362 |
| Noninterest expense to average assets | 2.1309% | 3,874 |
| Loan and lease loss provision to assets | 0.2021% | 1,978 |
| Net operating income to assets | 0.6100% | 3,727 |
| Return on assets (ROA) | 0.7646% | 3,347 |
| Pretax return on assets | 0.9363% | 3,279 |
| Return on Equity (ROE) | 7.8135% | 2,878 |
| Retained earnings to average equity (ytd only) | 4.2538% | 2,923 |
| Net charge-offs to loans | 0.0236% | 2,371 |
| Credit loss provision to net charge-offs | 1,169.3548% | 748 |
| Earnings coverage of net charge-offs (x) | 54.9718% | 1,143 |
| Efficiency ratio | 68.7087% | 2,082 |
| Assets per employee ($millions) | 7.7879% | 1,080 |
| Cash dividends to net income (ytd only)* | 45.5581% | 1,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 3,338 |
| Loan loss allowance to noncurrent loans | 75.7538% | 3,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0884% | 969 |
| Noncurrent loans to loans | 1.4181% | 1,018 |
| Net loans and leases to total assets | 74.9383% | 1,245 |
| Net loans and leases to deposits | 91.3045% | 1,130 |
| Net loans and leases to core deposits | 109.1540% | 723 |
| Total domestic deposits to total assets | 82.0752% | 3,400 |
| Equity capital to assets | 9.9081% | 3,316 |
| Core capital (leverage) ratio | 9.0848% | 3,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7397% | 2,310 |
| Memoranda: | ||
| Average total assets | $1,913,818,000 | 482 |
| Average earning assets | $1,784,331,750 | 480 |
| Average equity | $187,277,000 | 530 |
| Average total loans | $1,400,111,750 | 470 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6005% | 4,262 |
| Cost of funding earning assets | 0.9459% | 1,167 |
| Net interest margin | 2.6546% | 4,607 |
| Noninterest income to average assets | 0.5443% | 2,378 |
| Noninterest expense to average assets | 1.9413% | 4,345 |
| Loan and lease loss provision to assets | 0.1874% | 2,148 |
| Net operating income to assets | 0.7340% | 3,269 |
| Return on assets (ROA) | 0.7477% | 3,334 |
| Pretax return on assets | 0.9123% | 3,276 |
| Return on Equity (ROE) | 7.6720% | 2,871 |
| Retained earnings to average equity (ytd only) | 2.3301% | 3,628 |
| Net charge-offs to loans | 0.0312% | 2,098 |
| Credit loss provision to net charge-offs | 829.4931% | 903 |
| Earnings coverage of net charge-offs (x) | 47.9355% | 1,134 |
| Efficiency ratio | 63.7221% | 2,860 |
| Assets per employee ($millions) | 8.2897% | 870 |
| Cash dividends to net income (ytd only)* | 69.6282% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,594 |
| Loan loss allowance to noncurrent loans | 71.4108% | 3,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 1,170 |
| Noncurrent loans to loans | 1.3960% | 1,110 |
| Net loans and leases to total assets | 70.9398% | 1,883 |
| Net loans and leases to deposits | 94.7517% | 892 |
| Net loans and leases to core deposits | 115.0389% | 563 |
| Total domestic deposits to total assets | 74.8692% | 4,530 |
| Equity capital to assets | 9.3597% | 3,770 |
| Core capital (leverage) ratio | 8.7252% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2142% | 2,518 |
| Memoranda: | ||
| Average total assets | $1,920,935,667 | 475 |
| Average earning assets | $1,794,649,667 | 468 |
| Average equity | $187,200,333 | 531 |
| Average total loans | $1,388,955,000 | 463 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7399% | 4,318 |
| Cost of funding earning assets | 1.0776% | 1,109 |
| Net interest margin | 2.6623% | 4,699 |
| Noninterest income to average assets | 0.5119% | 2,494 |
| Noninterest expense to average assets | 2.0373% | 4,331 |
| Loan and lease loss provision to assets | 0.1065% | 2,351 |
| Net operating income to assets | 0.7068% | 3,250 |
| Return on assets (ROA) | 0.7351% | 3,233 |
| Pretax return on assets | 0.8872% | 3,170 |
| Return on Equity (ROE) | 7.3872% | 2,782 |
| Retained earnings to average equity (ytd only) | 7.3872% | 1,412 |
| Net charge-offs to loans | 0.0199% | 1,966 |
| Credit loss provision to net charge-offs | 735.2941% | 704 |
| Earnings coverage of net charge-offs (x) | 66.2647% | 755 |
| Efficiency ratio | 67.4980% | 2,746 |
| Assets per employee ($millions) | 8.0029% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9610% | 3,887 |
| Loan loss allowance to noncurrent loans | 124.0727% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 2,304 |
| Noncurrent loans to loans | 0.7746% | 2,065 |
| Net loans and leases to total assets | 69.5530% | 2,317 |
| Net loans and leases to deposits | 101.3064% | 477 |
| Net loans and leases to core deposits | 120.5485% | 451 |
| Total domestic deposits to total assets | 68.6561% | 4,904 |
| Equity capital to assets | 9.7231% | 4,022 |
| Core capital (leverage) ratio | 9.6479% | 3,832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0742% | 2,255 |
| Memoranda: | ||
| Average total assets | $1,878,347,000 | 474 |
| Average earning assets | $1,753,191,500 | 465 |
| Average equity | $186,917,500 | 525 |
| Average total loans | $1,364,701,500 | 459 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9965% | 4,265 |
| Cost of funding earning assets | 1.2411% | 922 |
| Net interest margin | 2.7553% | 4,787 |
| Noninterest income to average assets | 0.4360% | 3,077 |
| Noninterest expense to average assets | 2.0758% | 4,400 |
| Loan and lease loss provision to assets | 0.0867% | 2,284 |
| Net operating income to assets | 0.6990% | 3,872 |
| Return on assets (ROA) | 0.7109% | 3,897 |
| Pretax return on assets | 0.8532% | 3,869 |
| Return on Equity (ROE) | 7.1201% | 3,510 |
| Retained earnings to average equity (ytd only) | -1.1514% | 4,819 |
| Net charge-offs to loans | 0.0779% | 1,988 |
| Credit loss provision to net charge-offs | 150.1430% | 1,702 |
| Earnings coverage of net charge-offs (x) | 16.0248% | 2,200 |
| Efficiency ratio | 68.6203% | 2,370 |
| Assets per employee ($millions) | 7.1304% | 992 |
| Cash dividends to net income (ytd only)* | 116.1710% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9386% | 3,790 |
| Loan loss allowance to noncurrent loans | 130.0051% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5625% | 2,201 |
| Noncurrent loans to loans | 0.7220% | 2,074 |
| Net loans and leases to total assets | 74.5743% | 1,660 |
| Net loans and leases to deposits | 98.9359% | 674 |
| Net loans and leases to core deposits | 120.7598% | 459 |
| Total domestic deposits to total assets | 75.3764% | 4,668 |
| Equity capital to assets | 10.1980% | 3,733 |
| Core capital (leverage) ratio | 9.4422% | 4,119 |
| Tier 1 risk-based capital ratio | 12.5903% | 4,014 |
| Total risk-based capital ratio | 13.5546% | 4,051 |
| Memoranda: | ||
| Average total assets | $1,816,296,000 | 464 |
| Average earning assets | $1,691,050,400 | 457 |
| Average equity | $181,345,000 | 514 |
| Average total loans | $1,346,536,000 | 446 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0174% | 4,326 |
| Cost of funding earning assets | 1.2732% | 853 |
| Net interest margin | 2.7441% | 4,902 |
| Noninterest income to average assets | 0.4221% | 3,193 |
| Noninterest expense to average assets | 2.0551% | 4,444 |
| Loan and lease loss provision to assets | 0.0879% | 2,155 |
| Net operating income to assets | 0.6950% | 4,030 |
| Return on assets (ROA) | 0.6974% | 4,083 |
| Pretax return on assets | 0.8355% | 4,046 |
| Return on Equity (ROE) | 7.0226% | 3,670 |
| Retained earnings to average equity (ytd only) | -0.3564% | 4,796 |
| Net charge-offs to loans | 0.0785% | 1,702 |
| Credit loss provision to net charge-offs | 151.7067% | 1,617 |
| Earnings coverage of net charge-offs (x) | 15.8799% | 2,162 |
| Efficiency ratio | 68.5130% | 2,335 |
| Assets per employee ($millions) | 7.0988% | 990 |
| Cash dividends to net income (ytd only)* | 105.0751% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 3,862 |
| Loan loss allowance to noncurrent loans | 125.5093% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 2,288 |
| Noncurrent loans to loans | 0.7503% | 2,087 |
| Net loans and leases to total assets | 73.9790% | 1,824 |
| Net loans and leases to deposits | 98.4432% | 770 |
| Net loans and leases to core deposits | 114.9618% | 703 |
| Total domestic deposits to total assets | 75.1489% | 4,733 |
| Equity capital to assets | 10.3074% | 3,717 |
| Core capital (leverage) ratio | 9.6666% | 4,003 |
| Tier 1 risk-based capital ratio | 13.0342% | 3,825 |
| Total risk-based capital ratio | 13.9978% | 3,879 |
| Memoranda: | ||
| Average total assets | $1,819,373,000 | 467 |
| Average earning assets | $1,692,972,500 | 459 |
| Average equity | $180,688,500 | 517 |
| Average total loans | $1,343,655,500 | 449 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0156% | 4,344 |
| Cost of funding earning assets | 1.2858% | 773 |
| Net interest margin | 2.7298% | 4,977 |
| Noninterest income to average assets | 0.4074% | 3,231 |
| Noninterest expense to average assets | 2.0741% | 4,458 |
| Loan and lease loss provision to assets | 0.1095% | 1,707 |
| Net operating income to assets | 0.6356% | 4,205 |
| Return on assets (ROA) | 0.6391% | 4,243 |
| Pretax return on assets | 0.7726% | 4,157 |
| Return on Equity (ROE) | 6.5163% | 3,870 |
| Retained earnings to average equity (ytd only) | -4.6437% | 5,047 |
| Net charge-offs to loans | 0.0915% | 1,449 |
| Credit loss provision to net charge-offs | 162.6016% | 1,404 |
| Earnings coverage of net charge-offs (x) | 13.0390% | 2,124 |
| Efficiency ratio | 69.7085% | 2,271 |
| Assets per employee ($millions) | 7.0356% | 983 |
| Cash dividends to net income (ytd only)* | 171.2622% | 108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 3,912 |
| Loan loss allowance to noncurrent loans | 67.7123% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.0658% | 1,282 |
| Noncurrent loans to loans | 1.3901% | 1,120 |
| Net loans and leases to total assets | 73.9441% | 1,903 |
| Net loans and leases to deposits | 98.5925% | 790 |
| Net loans and leases to core deposits | 120.0072% | 552 |
| Total domestic deposits to total assets | 74.9998% | 4,766 |
| Equity capital to assets | 10.1157% | 3,871 |
| Core capital (leverage) ratio | 9.3297% | 4,331 |
| Tier 1 risk-based capital ratio | 12.7190% | 3,999 |
| Total risk-based capital ratio | 13.6793% | 4,048 |
| Memoranda: | ||
| Average total assets | $1,827,168,670 | 458 |
| Average earning assets | $1,703,117,330 | 455 |
| Average equity | $179,211,670 | 517 |
| Average total loans | $1,344,446,670 | 450 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 4,372 |
| Cost of funding earning assets | 1.2868% | 687 |
| Net interest margin | 2.7093% | 5,056 |
| Noninterest income to average assets | 0.4239% | 3,020 |
| Noninterest expense to average assets | 2.0708% | 4,511 |
| Loan and lease loss provision to assets | 0.1302% | 1,343 |
| Net operating income to assets | 0.6136% | 4,196 |
| Return on assets (ROA) | 0.6205% | 4,218 |
| Pretax return on assets | 0.7570% | 4,160 |
| Return on Equity (ROE) | 6.4242% | 3,866 |
| Retained earnings to average equity (ytd only) | -16.0381% | 5,217 |
| Net charge-offs to loans | 0.1283% | 978 |
| Credit loss provision to net charge-offs | 138.8889% | 1,302 |
| Earnings coverage of net charge-offs (x) | 9.3750% | 2,034 |
| Efficiency ratio | 69.6433% | 2,401 |
| Assets per employee ($millions) | 7.1996% | 918 |
| Cash dividends to net income (ytd only)* | 349.6503% | 65 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 4,080 |
| Loan loss allowance to noncurrent loans | 129.4431% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 2,408 |
| Noncurrent loans to loans | 0.7102% | 2,252 |
| Net loans and leases to total assets | 73.0135% | 1,978 |
| Net loans and leases to deposits | 102.3700% | 480 |
| Net loans and leases to core deposits | 122.5724% | 462 |
| Total domestic deposits to total assets | 71.3231% | 5,068 |
| Equity capital to assets | 9.6362% | 4,144 |
| Core capital (leverage) ratio | 8.9590% | 4,680 |
| Tier 1 risk-based capital ratio | 12.3844% | 4,245 |
| Total risk-based capital ratio | 13.3209% | 4,308 |
| Memoranda: | ||
| Average total assets | $1,843,709,000 | 464 |
| Average earning assets | $1,718,679,500 | 454 |
| Average equity | $178,075,500 | 515 |
| Average total loans | $1,347,055,500 | 444 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8959% | 4,284 |
| Cost of funding earning assets | 1.0652% | 566 |
| Net interest margin | 2.8307% | 4,994 |
| Noninterest income to average assets | 0.4181% | 3,324 |
| Noninterest expense to average assets | 2.1061% | 4,552 |
| Loan and lease loss provision to assets | 0.2121% | 872 |
| Net operating income to assets | 0.6167% | 4,370 |
| Return on assets (ROA) | 0.6242% | 4,358 |
| Pretax return on assets | 0.7402% | 4,312 |
| Return on Equity (ROE) | 6.5687% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.5687% | 1,885 |
| Net charge-offs to loans | 0.1133% | 1,615 |
| Credit loss provision to net charge-offs | 260.4839% | 1,153 |
| Earnings coverage of net charge-offs (x) | 11.5880% | 2,615 |
| Efficiency ratio | 68.3315% | 2,490 |
| Assets per employee ($millions) | 7.1215% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9076% | 4,122 |
| Loan loss allowance to noncurrent loans | 114.3432% | 3,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 2,180 |
| Noncurrent loans to loans | 0.7937% | 2,020 |
| Net loans and leases to total assets | 71.7863% | 2,300 |
| Net loans and leases to deposits | 101.3634% | 636 |
| Net loans and leases to core deposits | 121.1982% | 514 |
| Total domestic deposits to total assets | 70.8207% | 5,129 |
| Equity capital to assets | 9.6805% | 3,974 |
| Core capital (leverage) ratio | 9.3991% | 4,237 |
| Tier 1 risk-based capital ratio | 12.8037% | 3,962 |
| Total risk-based capital ratio | 13.7200% | 4,022 |
| Memoranda: | ||
| Average total assets | $1,827,853,400 | 451 |
| Average earning assets | $1,699,149,800 | 444 |
| Average equity | $173,701,800 | 504 |
| Average total loans | $1,312,788,600 | 444 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8862% | 4,243 |
| Cost of funding earning assets | 1.0253% | 534 |
| Net interest margin | 2.8609% | 5,025 |
| Noninterest income to average assets | 0.4006% | 3,479 |
| Noninterest expense to average assets | 2.1134% | 4,520 |
| Loan and lease loss provision to assets | 0.2198% | 754 |
| Net operating income to assets | 0.6062% | 4,484 |
| Return on assets (ROA) | 0.6160% | 4,466 |
| Pretax return on assets | 0.7366% | 4,452 |
| Return on Equity (ROE) | 6.5130% | 4,102 |
| Retained earnings to average equity (ytd only) | 6.5130% | 2,377 |
| Net charge-offs to loans | 0.1170% | 1,338 |
| Credit loss provision to net charge-offs | 262.0087% | 1,133 |
| Earnings coverage of net charge-offs (x) | 11.2637% | 2,527 |
| Efficiency ratio | 68.3290% | 2,477 |
| Assets per employee ($millions) | 6.8496% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8876% | 4,311 |
| Loan loss allowance to noncurrent loans | 111.0815% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.6377% | 2,278 |
| Noncurrent loans to loans | 0.7991% | 2,111 |
| Net loans and leases to total assets | 71.3609% | 2,432 |
| Net loans and leases to deposits | 97.1244% | 1,030 |
| Net loans and leases to core deposits | 117.2319% | 661 |
| Total domestic deposits to total assets | 73.4737% | 5,024 |
| Equity capital to assets | 9.4832% | 4,096 |
| Core capital (leverage) ratio | 9.2835% | 4,419 |
| Tier 1 risk-based capital ratio | 12.7003% | 4,080 |
| Total risk-based capital ratio | 13.5869% | 4,184 |
| Memoranda: | ||
| Average total assets | $1,820,137,250 | 451 |
| Average earning assets | $1,690,766,250 | 442 |
| Average equity | $172,144,000 | 504 |
| Average total loans | $1,304,354,500 | 442 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8675% | 4,165 |
| Cost of funding earning assets | 0.9822% | 508 |
| Net interest margin | 2.8853% | 5,030 |
| Noninterest income to average assets | 0.3962% | 3,516 |
| Noninterest expense to average assets | 2.1492% | 4,488 |
| Loan and lease loss provision to assets | 0.2284% | 706 |
| Net operating income to assets | 0.5896% | 4,524 |
| Return on assets (ROA) | 0.5963% | 4,509 |
| Pretax return on assets | 0.7087% | 4,486 |
| Return on Equity (ROE) | 6.3105% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.3105% | 2,410 |
| Net charge-offs to loans | 0.1197% | 1,214 |
| Credit loss provision to net charge-offs | 266.7095% | 1,094 |
| Earnings coverage of net charge-offs (x) | 10.8509% | 2,307 |
| Efficiency ratio | 68.9703% | 2,493 |
| Assets per employee ($millions) | 6.5751% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 4,560 |
| Loan loss allowance to noncurrent loans | 92.4495% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 2,031 |
| Noncurrent loans to loans | 0.9171% | 1,887 |
| Net loans and leases to total assets | 71.4645% | 2,371 |
| Net loans and leases to deposits | 101.3139% | 709 |
| Net loans and leases to core deposits | 122.5243% | 504 |
| Total domestic deposits to total assets | 70.5377% | 5,258 |
| Equity capital to assets | 9.4575% | 4,150 |
| Core capital (leverage) ratio | 9.2237% | 4,442 |
| Tier 1 risk-based capital ratio | 12.5495% | 4,151 |
| Total risk-based capital ratio | 13.3999% | 4,284 |
| Memoranda: | ||
| Average total assets | $1,817,238,670 | 451 |
| Average earning assets | $1,689,240,670 | 439 |
| Average equity | $171,715,000 | 503 |
| Average total loans | $1,300,219,670 | 443 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7691% | 4,302 |
| Cost of funding earning assets | 0.9541% | 464 |
| Net interest margin | 2.8150% | 5,145 |
| Noninterest income to average assets | 0.3894% | 3,545 |
| Noninterest expense to average assets | 2.1562% | 4,522 |
| Loan and lease loss provision to assets | 0.2424% | 626 |
| Net operating income to assets | 0.4959% | 4,706 |
| Return on assets (ROA) | 0.5093% | 4,674 |
| Pretax return on assets | 0.6249% | 4,629 |
| Return on Equity (ROE) | 5.3918% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.3918% | 2,995 |
| Net charge-offs to loans | 0.1308% | 1,020 |
| Credit loss provision to net charge-offs | 260.0473% | 889 |
| Earnings coverage of net charge-offs (x) | 9.1277% | 1,986 |
| Efficiency ratio | 70.7167% | 2,387 |
| Assets per employee ($millions) | 6.4792% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8074% | 4,773 |
| Loan loss allowance to noncurrent loans | 75.4812% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 0.8380% | 1,891 |
| Noncurrent loans to loans | 1.0696% | 1,712 |
| Net loans and leases to total assets | 71.1762% | 2,307 |
| Net loans and leases to deposits | 103.1710% | 524 |
| Net loans and leases to core deposits | 124.3025% | 465 |
| Total domestic deposits to total assets | 68.9886% | 5,391 |
| Equity capital to assets | 9.3892% | 4,193 |
| Core capital (leverage) ratio | 8.9811% | 4,695 |
| Tier 1 risk-based capital ratio | 12.4370% | 4,285 |
| Total risk-based capital ratio | 13.2493% | 4,441 |
| Memoranda: | ||
| Average total assets | $1,815,204,000 | 450 |
| Average earning assets | $1,687,929,500 | 443 |
| Average equity | $171,447,000 | 505 |
| Average total loans | $1,293,970,000 | 452 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6060% | 4,560 |
| Cost of funding earning assets | 0.8387% | 509 |
| Net interest margin | 2.7674% | 5,210 |
| Noninterest income to average assets | 0.4551% | 3,276 |
| Noninterest expense to average assets | 2.3077% | 4,309 |
| Loan and lease loss provision to assets | 0.2029% | 1,015 |
| Net operating income to assets | 0.2299% | 5,048 |
| Return on assets (ROA) | 0.2327% | 5,058 |
| Pretax return on assets | 0.5117% | 4,912 |
| Return on Equity (ROE) | 2.4236% | 4,968 |
| Retained earnings to average equity (ytd only) | 2.4236% | 3,880 |
| Net charge-offs to loans | 0.2500% | 1,046 |
| Credit loss provision to net charge-offs | 115.7929% | 2,264 |
| Earnings coverage of net charge-offs (x) | 4.0537% | 3,525 |
| Efficiency ratio | 75.2955% | 1,717 |
| Assets per employee ($millions) | 6.2845% | 1,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7645% | 4,920 |
| Loan loss allowance to noncurrent loans | 68.7719% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 1,809 |
| Noncurrent loans to loans | 1.1117% | 1,589 |
| Net loans and leases to total assets | 70.2738% | 2,487 |
| Net loans and leases to deposits | 101.0942% | 651 |
| Net loans and leases to core deposits | 122.1819% | 520 |
| Total domestic deposits to total assets | 69.5132% | 5,425 |
| Equity capital to assets | 9.5008% | 4,235 |
| Core capital (leverage) ratio | 8.9580% | 4,700 |
| Tier 1 risk-based capital ratio | 12.5530% | 4,175 |
| Total risk-based capital ratio | 13.3309% | 4,365 |
| Memoranda: | ||
| Average total assets | $1,774,145,800 | 448 |
| Average earning assets | $1,643,102,800 | 444 |
| Average equity | $170,323,400 | 493 |
| Average total loans | $1,243,373,400 | 450 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5815% | 4,605 |
| Cost of funding earning assets | 0.8225% | 506 |
| Net interest margin | 2.7590% | 5,272 |
| Noninterest income to average assets | 0.4632% | 3,257 |
| Noninterest expense to average assets | 2.3395% | 4,188 |
| Loan and lease loss provision to assets | 0.1966% | 968 |
| Net operating income to assets | 0.3924% | 5,013 |
| Return on assets (ROA) | 0.4107% | 5,007 |
| Pretax return on assets | 0.5019% | 5,022 |
| Return on Equity (ROE) | 4.2662% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.2662% | 3,362 |
| Net charge-offs to loans | 0.2787% | 776 |
| Credit loss provision to net charge-offs | 100.8925% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.4707% | 3,336 |
| Efficiency ratio | 76.3750% | 1,533 |
| Assets per employee ($millions) | 5.8497% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 5,014 |
| Loan loss allowance to noncurrent loans | 65.6548% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 0.8822% | 1,952 |
| Noncurrent loans to loans | 1.1447% | 1,677 |
| Net loans and leases to total assets | 69.5424% | 2,626 |
| Net loans and leases to deposits | 96.6125% | 1,053 |
| Net loans and leases to core deposits | 114.8283% | 793 |
| Total domestic deposits to total assets | 71.9808% | 5,382 |
| Equity capital to assets | 9.8479% | 4,089 |
| Core capital (leverage) ratio | 9.1935% | 4,524 |
| Tier 1 risk-based capital ratio | 13.1836% | 3,887 |
| Total risk-based capital ratio | 13.9566% | 4,095 |
| Memoranda: | ||
| Average total assets | $1,763,624,500 | 452 |
| Average earning assets | $1,631,619,500 | 449 |
| Average equity | $169,765,000 | 497 |
| Average total loans | $1,232,674,750 | 453 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5509% | 4,630 |
| Cost of funding earning assets | 0.8002% | 524 |
| Net interest margin | 2.7506% | 5,309 |
| Noninterest income to average assets | 0.3981% | 3,702 |
| Noninterest expense to average assets | 2.3382% | 4,249 |
| Loan and lease loss provision to assets | 0.1706% | 1,146 |
| Net operating income to assets | 0.3634% | 5,060 |
| Return on assets (ROA) | 0.3915% | 5,021 |
| Pretax return on assets | 0.4684% | 5,055 |
| Return on Equity (ROE) | 4.0994% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.0994% | 3,270 |
| Net charge-offs to loans | 0.2640% | 774 |
| Credit loss provision to net charge-offs | 92.5355% | 2,117 |
| Earnings coverage of net charge-offs (x) | 3.2844% | 3,068 |
| Efficiency ratio | 78.1881% | 1,435 |
| Assets per employee ($millions) | 5.6278% | 1,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7476% | 5,090 |
| Loan loss allowance to noncurrent loans | 51.3905% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.1847% | 1,439 |
| Noncurrent loans to loans | 1.4547% | 1,300 |
| Net loans and leases to total assets | 69.7210% | 2,565 |
| Net loans and leases to deposits | 99.6324% | 766 |
| Net loans and leases to core deposits | 118.6846% | 609 |
| Total domestic deposits to total assets | 69.9783% | 5,535 |
| Equity capital to assets | 9.7984% | 4,123 |
| Core capital (leverage) ratio | 9.1599% | 4,545 |
| Tier 1 risk-based capital ratio | 13.2001% | 3,879 |
| Total risk-based capital ratio | 13.9728% | 4,078 |
| Memoranda: | ||
| Average total assets | $1,758,729,000 | 458 |
| Average earning assets | $1,627,543,670 | 450 |
| Average equity | $167,977,670 | 503 |
| Average total loans | $1,228,217,670 | 457 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5503% | 4,553 |
| Cost of funding earning assets | 0.7790% | 553 |
| Net interest margin | 2.7713% | 5,301 |
| Noninterest income to average assets | 0.3891% | 3,748 |
| Noninterest expense to average assets | 2.3457% | 4,272 |
| Loan and lease loss provision to assets | 0.1704% | 1,036 |
| Net operating income to assets | 0.3831% | 4,999 |
| Return on assets (ROA) | 0.3831% | 5,022 |
| Pretax return on assets | 0.4356% | 5,089 |
| Return on Equity (ROE) | 4.0640% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.0640% | 3,427 |
| Net charge-offs to loans | 0.2369% | 760 |
| Credit loss provision to net charge-offs | 103.3058% | 1,532 |
| Earnings coverage of net charge-offs (x) | 3.6736% | 2,461 |
| Efficiency ratio | 78.2046% | 1,604 |
| Assets per employee ($millions) | 5.7560% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7691% | 5,150 |
| Loan loss allowance to noncurrent loans | 52.5147% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 1.2087% | 1,453 |
| Noncurrent loans to loans | 1.4645% | 1,375 |
| Net loans and leases to total assets | 69.0634% | 2,522 |
| Net loans and leases to deposits | 96.8711% | 861 |
| Net loans and leases to core deposits | 118.6623% | 498 |
| Total domestic deposits to total assets | 71.2941% | 5,581 |
| Equity capital to assets | 9.6922% | 4,074 |
| Core capital (leverage) ratio | 8.9842% | 4,757 |
| Tier 1 risk-based capital ratio | 13.2008% | 3,951 |
| Total risk-based capital ratio | 13.9956% | 4,132 |
| Memoranda: | ||
| Average total assets | $1,760,161,500 | 459 |
| Average earning assets | $1,627,702,500 | 452 |
| Average equity | $165,943,000 | 503 |
| Average total loans | $1,225,613,000 | 455 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6379% | 4,408 |
| Cost of funding earning assets | 0.7404% | 662 |
| Net interest margin | 2.8975% | 5,143 |
| Noninterest income to average assets | 0.4175% | 3,760 |
| Noninterest expense to average assets | 2.4329% | 4,201 |
| Loan and lease loss provision to assets | 0.1531% | 1,638 |
| Net operating income to assets | 0.3926% | 4,969 |
| Return on assets (ROA) | 0.4467% | 4,888 |
| Pretax return on assets | 0.5892% | 4,820 |
| Return on Equity (ROE) | 4.7065% | 4,565 |
| Retained earnings to average equity (ytd only) | 0.5229% | 5,122 |
| Net charge-offs to loans | 0.2113% | 1,314 |
| Credit loss provision to net charge-offs | 103.2505% | 2,507 |
| Earnings coverage of net charge-offs (x) | 4.5247% | 3,485 |
| Efficiency ratio | 77.0069% | 1,845 |
| Assets per employee ($millions) | 5.8625% | 1,571 |
| Cash dividends to net income (ytd only)* | 88.8889% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7574% | 5,218 |
| Loan loss allowance to noncurrent loans | 45.7960% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2896% | 1,371 |
| Noncurrent loans to loans | 1.6538% | 1,174 |
| Net loans and leases to total assets | 69.1348% | 2,604 |
| Net loans and leases to deposits | 101.9337% | 537 |
| Net loans and leases to core deposits | 120.2229% | 478 |
| Total domestic deposits to total assets | 67.8233% | 5,721 |
| Equity capital to assets | 9.1664% | 4,624 |
| Core capital (leverage) ratio | 8.8843% | 4,874 |
| Tier 1 risk-based capital ratio | 12.9323% | 4,114 |
| Total risk-based capital ratio | 13.7161% | 4,286 |
| Memoranda: | ||
| Average total assets | $1,763,008,400 | 446 |
| Average earning assets | $1,634,684,400 | 435 |
| Average equity | $167,320,600 | 484 |
| Average total loans | $1,237,358,800 | 431 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 4,411 |
| Cost of funding earning assets | 0.7334% | 687 |
| Net interest margin | 2.9160% | 5,159 |
| Noninterest income to average assets | 0.4153% | 3,815 |
| Noninterest expense to average assets | 2.4624% | 4,097 |
| Loan and lease loss provision to assets | 0.1476% | 1,590 |
| Net operating income to assets | 0.3776% | 5,101 |
| Return on assets (ROA) | 0.4479% | 4,966 |
| Pretax return on assets | 0.6069% | 4,858 |
| Return on Equity (ROE) | 4.6790% | 4,654 |
| Retained earnings to average equity (ytd only) | -0.8573% | 5,480 |
| Net charge-offs to loans | 0.2316% | 1,016 |
| Credit loss provision to net charge-offs | 90.6555% | 2,520 |
| Earnings coverage of net charge-offs (x) | 4.0497% | 3,321 |
| Efficiency ratio | 77.4469% | 1,768 |
| Assets per employee ($millions) | 5.7630% | 1,608 |
| Cash dividends to net income (ytd only)* | 118.3232% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7373% | 5,340 |
| Loan loss allowance to noncurrent loans | 46.8567% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 1.2467% | 1,573 |
| Noncurrent loans to loans | 1.5735% | 1,378 |
| Net loans and leases to total assets | 69.1372% | 2,620 |
| Net loans and leases to deposits | 99.9493% | 710 |
| Net loans and leases to core deposits | 122.2570% | 448 |
| Total domestic deposits to total assets | 69.1723% | 5,733 |
| Equity capital to assets | 9.4318% | 4,738 |
| Core capital (leverage) ratio | 8.7587% | 5,089 |
| Tier 1 risk-based capital ratio | 12.9343% | 4,198 |
| Total risk-based capital ratio | 13.7050% | 4,397 |
| Memoranda: | ||
| Average total assets | $1,761,139,250 | 443 |
| Average earning assets | $1,634,625,750 | 436 |
| Average equity | $168,578,500 | 485 |
| Average total loans | $1,238,357,750 | 429 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6659% | 4,397 |
| Cost of funding earning assets | 0.7240% | 703 |
| Net interest margin | 2.9419% | 5,186 |
| Noninterest income to average assets | 0.4072% | 3,821 |
| Noninterest expense to average assets | 2.4138% | 4,296 |
| Loan and lease loss provision to assets | 0.1363% | 1,668 |
| Net operating income to assets | 0.4346% | 4,924 |
| Return on assets (ROA) | 0.4991% | 4,788 |
| Pretax return on assets | 0.6815% | 4,675 |
| Return on Equity (ROE) | 5.1887% | 4,430 |
| Retained earnings to average equity (ytd only) | 5.1887% | 2,607 |
| Net charge-offs to loans | 0.1719% | 1,315 |
| Credit loss provision to net charge-offs | 112.4649% | 1,940 |
| Earnings coverage of net charge-offs (x) | 6.0169% | 2,789 |
| Efficiency ratio | 75.2982% | 2,180 |
| Assets per employee ($millions) | 5.9380% | 1,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7555% | 5,389 |
| Loan loss allowance to noncurrent loans | 44.1882% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.3322% | 1,506 |
| Noncurrent loans to loans | 1.7098% | 1,239 |
| Net loans and leases to total assets | 69.9411% | 2,494 |
| Net loans and leases to deposits | 104.3928% | 443 |
| Net loans and leases to core deposits | 135.1296% | 234 |
| Total domestic deposits to total assets | 66.9980% | 5,866 |
| Equity capital to assets | 9.8385% | 4,404 |
| Core capital (leverage) ratio | 9.0976% | 4,721 |
| Tier 1 risk-based capital ratio | 13.3460% | 3,990 |
| Total risk-based capital ratio | 14.1427% | 4,175 |
| Memoranda: | ||
| Average total assets | $1,760,362,670 | 439 |
| Average earning assets | $1,637,198,330 | 434 |
| Average equity | $169,329,000 | 484 |
| Average total loans | $1,241,720,670 | 429 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7242% | 4,233 |
| Cost of funding earning assets | 0.7261% | 707 |
| Net interest margin | 2.9981% | 5,122 |
| Noninterest income to average assets | 0.3823% | 3,970 |
| Noninterest expense to average assets | 2.4206% | 4,312 |
| Loan and lease loss provision to assets | 0.1365% | 1,533 |
| Net operating income to assets | 0.4526% | 4,824 |
| Return on assets (ROA) | 0.5140% | 4,680 |
| Pretax return on assets | 0.6964% | 4,541 |
| Return on Equity (ROE) | 5.4055% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.4055% | 2,709 |
| Net charge-offs to loans | 0.1424% | 1,256 |
| Credit loss provision to net charge-offs | 135.7466% | 1,338 |
| Earnings coverage of net charge-offs (x) | 7.4593% | 2,149 |
| Efficiency ratio | 74.7418% | 2,368 |
| Assets per employee ($millions) | 5.8447% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 5,474 |
| Loan loss allowance to noncurrent loans | 41.6446% | 5,041 |
| Noncurrent assets plus other real estate owned to assets | 1.4167% | 1,462 |
| Noncurrent loans to loans | 1.8159% | 1,223 |
| Net loans and leases to total assets | 70.2350% | 2,302 |
| Net loans and leases to deposits | 101.3890% | 539 |
| Net loans and leases to core deposits | 134.0527% | 226 |
| Total domestic deposits to total assets | 69.2727% | 5,892 |
| Equity capital to assets | 9.6605% | 4,490 |
| Core capital (leverage) ratio | 8.9700% | 4,896 |
| Tier 1 risk-based capital ratio | 13.1874% | 4,146 |
| Total risk-based capital ratio | 13.9884% | 4,345 |
| Memoranda: | ||
| Average total assets | $1,758,745,500 | 439 |
| Average earning assets | $1,635,591,500 | 430 |
| Average equity | $167,237,500 | 487 |
| Average total loans | $1,241,146,500 | 430 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6250% | 4,604 |
| Cost of funding earning assets | 0.7191% | 739 |
| Net interest margin | 2.9060% | 5,328 |
| Noninterest income to average assets | 0.4309% | 3,812 |
| Noninterest expense to average assets | 2.2688% | 4,883 |
| Loan and lease loss provision to assets | 0.1373% | 1,726 |
| Net operating income to assets | 0.5631% | 4,451 |
| Return on assets (ROA) | 0.6010% | 4,364 |
| Pretax return on assets | 0.7724% | 4,287 |
| Return on Equity (ROE) | 5.8493% | 4,104 |
| Retained earnings to average equity (ytd only) | -12.1726% | 6,063 |
| Net charge-offs to loans | 0.1324% | 2,041 |
| Credit loss provision to net charge-offs | 149.9326% | 1,775 |
| Earnings coverage of net charge-offs (x) | 9.4003% | 2,822 |
| Efficiency ratio | 71.2170% | 3,030 |
| Assets per employee ($millions) | 5.8028% | 1,534 |
| Cash dividends to net income (ytd only)* | 308.1031% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7482% | 5,541 |
| Loan loss allowance to noncurrent loans | 40.9656% | 5,080 |
| Noncurrent assets plus other real estate owned to assets | 1.4390% | 1,440 |
| Noncurrent loans to loans | 1.8264% | 1,191 |
| Net loans and leases to total assets | 69.8432% | 2,393 |
| Net loans and leases to deposits | 98.4587% | 788 |
| Net loans and leases to core deposits | 131.3201% | 250 |
| Total domestic deposits to total assets | 70.9365% | 5,855 |
| Equity capital to assets | 9.3572% | 4,724 |
| Core capital (leverage) ratio | 9.4443% | 4,259 |
| Tier 1 risk-based capital ratio | 13.1524% | 4,204 |
| Total risk-based capital ratio | 13.9473% | 4,415 |
| Memoranda: | ||
| Average total assets | $1,620,096,200 | 444 |
| Average earning assets | $1,504,699,000 | 432 |
| Average equity | $166,463,400 | 476 |
| Average total loans | $1,120,886,400 | 441 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 4,473 |
| Cost of funding earning assets | 0.7249% | 737 |
| Net interest margin | 2.9562% | 5,294 |
| Noninterest income to average assets | 0.4401% | 3,794 |
| Noninterest expense to average assets | 2.2999% | 4,780 |
| Loan and lease loss provision to assets | 0.1366% | 1,638 |
| Net operating income to assets | 0.5788% | 4,483 |
| Return on assets (ROA) | 0.6296% | 4,350 |
| Pretax return on assets | 0.8147% | 4,293 |
| Return on Equity (ROE) | 5.9793% | 4,162 |
| Retained earnings to average equity (ytd only) | 3.5834% | 3,919 |
| Net charge-offs to loans | 0.1492% | 1,644 |
| Credit loss provision to net charge-offs | 132.9787% | 1,846 |
| Earnings coverage of net charge-offs (x) | 8.6162% | 2,786 |
| Efficiency ratio | 70.9609% | 3,057 |
| Assets per employee ($millions) | 5.8284% | 1,487 |
| Cash dividends to net income (ytd only)* | 40.0694% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 5,513 |
| Loan loss allowance to noncurrent loans | 44.3202% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 1.4103% | 1,630 |
| Noncurrent loans to loans | 1.8113% | 1,307 |
| Net loans and leases to total assets | 68.7620% | 2,575 |
| Net loans and leases to deposits | 100.0930% | 658 |
| Net loans and leases to core deposits | 135.9798% | 204 |
| Total domestic deposits to total assets | 68.6981% | 6,018 |
| Equity capital to assets | 10.4263% | 3,679 |
| Core capital (leverage) ratio | 10.0326% | 3,577 |
| Tier 1 risk-based capital ratio | 15.4719% | 3,065 |
| Total risk-based capital ratio | 16.3476% | 3,183 |
| Memoranda: | ||
| Average total assets | $1,585,561,500 | 452 |
| Average earning assets | $1,472,373,500 | 443 |
| Average equity | $166,948,750 | 481 |
| Average total loans | $1,091,791,750 | 450 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 4,355 |
| Cost of funding earning assets | 0.7249% | 738 |
| Net interest margin | 2.9939% | 5,237 |
| Noninterest income to average assets | 0.4383% | 3,788 |
| Noninterest expense to average assets | 2.3138% | 4,809 |
| Loan and lease loss provision to assets | 0.1329% | 1,648 |
| Net operating income to assets | 0.5915% | 4,388 |
| Return on assets (ROA) | 0.6302% | 4,330 |
| Pretax return on assets | 0.8212% | 4,244 |
| Return on Equity (ROE) | 5.9655% | 4,143 |
| Retained earnings to average equity (ytd only) | 5.9655% | 2,263 |
| Net charge-offs to loans | 0.1472% | 1,607 |
| Credit loss provision to net charge-offs | 131.4143% | 1,679 |
| Earnings coverage of net charge-offs (x) | 8.9362% | 2,511 |
| Efficiency ratio | 70.6496% | 3,231 |
| Assets per employee ($millions) | 5.7217% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7961% | 5,610 |
| Loan loss allowance to noncurrent loans | 42.3527% | 5,203 |
| Noncurrent assets plus other real estate owned to assets | 1.4593% | 1,700 |
| Noncurrent loans to loans | 1.8796% | 1,334 |
| Net loans and leases to total assets | 68.4387% | 2,580 |
| Net loans and leases to deposits | 100.4868% | 622 |
| Net loans and leases to core deposits | 133.2407% | 224 |
| Total domestic deposits to total assets | 68.1071% | 6,108 |
| Equity capital to assets | 10.5431% | 3,394 |
| Core capital (leverage) ratio | 10.0990% | 3,463 |
| Tier 1 risk-based capital ratio | 15.7223% | 2,986 |
| Total risk-based capital ratio | 16.5951% | 3,119 |
| Memoranda: | ||
| Average total assets | $1,579,814,670 | 456 |
| Average earning assets | $1,466,633,330 | 450 |
| Average equity | $166,894,000 | 484 |
| Average total loans | $1,085,376,670 | 450 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7411% | 4,226 |
| Cost of funding earning assets | 0.7319% | 723 |
| Net interest margin | 3.0092% | 5,192 |
| Noninterest income to average assets | 0.4523% | 3,623 |
| Noninterest expense to average assets | 2.3063% | 4,861 |
| Loan and lease loss provision to assets | 0.1336% | 1,545 |
| Net operating income to assets | 0.5969% | 4,305 |
| Return on assets (ROA) | 0.6353% | 4,237 |
| Pretax return on assets | 0.8572% | 4,036 |
| Return on Equity (ROE) | 6.0076% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.0076% | 2,506 |
| Net charge-offs to loans | 0.1385% | 1,419 |
| Credit loss provision to net charge-offs | 140.7507% | 1,303 |
| Earnings coverage of net charge-offs (x) | 9.8901% | 1,976 |
| Efficiency ratio | 69.7804% | 3,528 |
| Assets per employee ($millions) | 5.6856% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 5,697 |
| Loan loss allowance to noncurrent loans | 39.0609% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 1,656 |
| Noncurrent loans to loans | 2.0412% | 1,275 |
| Net loans and leases to total assets | 68.2338% | 2,404 |
| Net loans and leases to deposits | 96.9499% | 769 |
| Net loans and leases to core deposits | 122.4045% | 365 |
| Total domestic deposits to total assets | 70.3804% | 6,108 |
| Equity capital to assets | 10.6409% | 3,384 |
| Core capital (leverage) ratio | 10.0432% | 3,542 |
| Tier 1 risk-based capital ratio | 15.6389% | 3,086 |
| Total risk-based capital ratio | 16.5116% | 3,208 |
| Memoranda: | ||
| Average total assets | $1,571,542,500 | 458 |
| Average earning assets | $1,458,594,500 | 450 |
| Average equity | $166,188,500 | 488 |
| Average total loans | $1,077,418,000 | 452 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8475% | 4,331 |
| Cost of funding earning assets | 0.8032% | 640 |
| Net interest margin | 3.0443% | 5,340 |
| Noninterest income to average assets | 0.5119% | 3,408 |
| Noninterest expense to average assets | 2.3241% | 5,048 |
| Loan and lease loss provision to assets | 0.1385% | 1,906 |
| Net operating income to assets | 0.6380% | 4,201 |
| Return on assets (ROA) | 0.6547% | 4,218 |
| Pretax return on assets | 0.8795% | 3,966 |
| Return on Equity (ROE) | 5.9040% | 4,194 |
| Retained earnings to average equity (ytd only) | -13.5891% | 6,370 |
| Net charge-offs to loans | 0.1888% | 2,160 |
| Credit loss provision to net charge-offs | 107.7246% | 2,219 |
| Earnings coverage of net charge-offs (x) | 7.7436% | 2,986 |
| Efficiency ratio | 68.7117% | 3,767 |
| Assets per employee ($millions) | 5.7234% | 1,588 |
| Cash dividends to net income (ytd only)* | 330.1692% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7976% | 5,776 |
| Loan loss allowance to noncurrent loans | 39.7053% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.5580% | 1,734 |
| Noncurrent loans to loans | 2.0089% | 1,387 |
| Net loans and leases to total assets | 67.7862% | 2,591 |
| Net loans and leases to deposits | 95.1168% | 979 |
| Net loans and leases to core deposits | 120.1704% | 406 |
| Total domestic deposits to total assets | 71.2663% | 6,127 |
| Equity capital to assets | 10.5080% | 3,469 |
| Core capital (leverage) ratio | 9.8259% | 3,806 |
| Tier 1 risk-based capital ratio | 15.7998% | 3,061 |
| Total risk-based capital ratio | 16.6883% | 3,198 |
| Memoranda: | ||
| Average total assets | $1,480,441,600 | 472 |
| Average earning assets | $1,365,343,400 | 463 |
| Average equity | $164,161,000 | 476 |
| Average total loans | $1,007,841,800 | 455 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 4,390 |
| Cost of funding earning assets | 0.8147% | 635 |
| Net interest margin | 3.0302% | 5,439 |
| Noninterest income to average assets | 0.5280% | 3,337 |
| Noninterest expense to average assets | 2.3336% | 5,015 |
| Loan and lease loss provision to assets | 0.1461% | 1,711 |
| Net operating income to assets | 0.6224% | 4,339 |
| Return on assets (ROA) | 0.6449% | 4,335 |
| Pretax return on assets | 0.8695% | 4,109 |
| Return on Equity (ROE) | 5.7359% | 4,375 |
| Retained earnings to average equity (ytd only) | -16.1941% | 6,457 |
| Net charge-offs to loans | 0.1793% | 2,016 |
| Credit loss provision to net charge-offs | 119.8502% | 1,919 |
| Earnings coverage of net charge-offs (x) | 8.0809% | 2,856 |
| Efficiency ratio | 69.0066% | 3,675 |
| Assets per employee ($millions) | 5.7392% | 1,532 |
| Cash dividends to net income (ytd only)* | 382.3281% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8093% | 5,854 |
| Loan loss allowance to noncurrent loans | 39.4031% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 1.5689% | 1,951 |
| Noncurrent loans to loans | 2.0538% | 1,526 |
| Net loans and leases to total assets | 67.2971% | 2,649 |
| Net loans and leases to deposits | 92.9937% | 1,133 |
| Net loans and leases to core deposits | 117.2830% | 457 |
| Total domestic deposits to total assets | 72.3674% | 6,147 |
| Equity capital to assets | 10.4732% | 3,598 |
| Core capital (leverage) ratio | 10.0389% | 3,623 |
| Tier 1 risk-based capital ratio | 16.0781% | 3,024 |
| Total risk-based capital ratio | 16.9818% | 3,132 |
| Memoranda: | ||
| Average total assets | $1,459,927,500 | 473 |
| Average earning assets | $1,344,617,500 | 470 |
| Average equity | $164,154,250 | 473 |
| Average total loans | $992,883,750 | 453 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8836% | 4,206 |
| Cost of funding earning assets | 0.8343% | 600 |
| Net interest margin | 3.0493% | 5,397 |
| Noninterest income to average assets | 0.5174% | 3,359 |
| Noninterest expense to average assets | 2.2935% | 5,169 |
| Loan and lease loss provision to assets | 0.1758% | 1,396 |
| Net operating income to assets | 0.6268% | 4,209 |
| Return on assets (ROA) | 0.6500% | 4,201 |
| Pretax return on assets | 0.8861% | 3,935 |
| Return on Equity (ROE) | 5.6387% | 4,364 |
| Retained earnings to average equity (ytd only) | -27.2933% | 6,574 |
| Net charge-offs to loans | 0.1617% | 2,101 |
| Credit loss provision to net charge-offs | 159.6424% | 1,399 |
| Earnings coverage of net charge-offs (x) | 9.3563% | 2,370 |
| Efficiency ratio | 67.7074% | 4,061 |
| Assets per employee ($millions) | 5.5879% | 1,616 |
| Cash dividends to net income (ytd only)* | 584.0363% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8344% | 5,896 |
| Loan loss allowance to noncurrent loans | 38.5330% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 1.6671% | 1,947 |
| Noncurrent loans to loans | 2.1654% | 1,527 |
| Net loans and leases to total assets | 67.6002% | 2,485 |
| Net loans and leases to deposits | 90.9142% | 1,279 |
| Net loans and leases to core deposits | 117.5685% | 438 |
| Total domestic deposits to total assets | 74.3561% | 6,080 |
| Equity capital to assets | 10.6290% | 3,274 |
| Core capital (leverage) ratio | 9.8611% | 3,800 |
| Tier 1 risk-based capital ratio | 16.1630% | 2,996 |
| Total risk-based capital ratio | 17.1089% | 3,102 |
| Memoranda: | ||
| Average total assets | $1,422,393,330 | 483 |
| Average earning assets | $1,308,940,670 | 480 |
| Average equity | $163,974,330 | 473 |
| Average total loans | $968,211,330 | 458 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,805 |
| Cost of funding earning assets | 0.8596% | 560 |
| Net interest margin | 2.8522% | 5,844 |
| Noninterest income to average assets | 0.4614% | 3,701 |
| Noninterest expense to average assets | 2.2348% | 5,369 |
| Loan and lease loss provision to assets | 0.2211% | 1,027 |
| Net operating income to assets | 0.4717% | 4,832 |
| Return on assets (ROA) | 0.5239% | 4,646 |
| Pretax return on assets | 0.6954% | 4,503 |
| Return on Equity (ROE) | 4.3500% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.3500% | 3,519 |
| Net charge-offs to loans | 0.1981% | 1,546 |
| Credit loss provision to net charge-offs | 164.1138% | 1,186 |
| Earnings coverage of net charge-offs (x) | 6.2867% | 2,241 |
| Efficiency ratio | 71.2646% | 3,617 |
| Assets per employee ($millions) | 5.4943% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 5,716 |
| Loan loss allowance to noncurrent loans | 38.9917% | 5,599 |
| Noncurrent assets plus other real estate owned to assets | 1.7895% | 1,963 |
| Noncurrent loans to loans | 2.4278% | 1,444 |
| Net loans and leases to total assets | 66.5175% | 2,482 |
| Net loans and leases to deposits | 89.9742% | 1,154 |
| Net loans and leases to core deposits | 114.8448% | 434 |
| Total domestic deposits to total assets | 73.9295% | 6,247 |
| Equity capital to assets | 12.0866% | 1,817 |
| Core capital (leverage) ratio | 11.4171% | 2,030 |
| Tier 1 risk-based capital ratio | 19.9163% | 1,745 |
| Total risk-based capital ratio | 21.0404% | 1,740 |
| Memoranda: | ||
| Average total assets | $1,356,873,000 | 509 |
| Average earning assets | $1,246,619,500 | 501 |
| Average equity | $163,404,000 | 473 |
| Average total loans | $922,836,500 | 478 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 4,317 |
| Cost of funding earning assets | 0.8833% | 805 |
| Net interest margin | 3.0570% | 5,437 |
| Noninterest income to average assets | 0.5048% | 3,720 |
| Noninterest expense to average assets | 2.3012% | 5,381 |
| Loan and lease loss provision to assets | 0.2549% | 1,414 |
| Net operating income to assets | 0.5557% | 4,477 |
| Return on assets (ROA) | 0.5944% | 4,403 |
| Pretax return on assets | 0.7991% | 4,144 |
| Return on Equity (ROE) | 5.0334% | 4,616 |
| Retained earnings to average equity (ytd only) | -4.2180% | 6,327 |
| Net charge-offs to loans | 0.2848% | 2,265 |
| Credit loss provision to net charge-offs | 130.3053% | 1,801 |
| Earnings coverage of net charge-offs (x) | 5.1199% | 3,378 |
| Efficiency ratio | 68.4530% | 4,112 |
| Assets per employee ($millions) | 5.4482% | 1,699 |
| Cash dividends to net income (ytd only)* | 183.8010% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 5,931 |
| Loan loss allowance to noncurrent loans | 35.6067% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 1.9333% | 1,866 |
| Noncurrent loans to loans | 2.5255% | 1,486 |
| Net loans and leases to total assets | 68.2587% | 2,305 |
| Net loans and leases to deposits | 91.8785% | 1,069 |
| Net loans and leases to core deposits | 117.0904% | 396 |
| Total domestic deposits to total assets | 74.2924% | 6,257 |
| Equity capital to assets | 11.9984% | 1,808 |
| Core capital (leverage) ratio | 11.4571% | 1,993 |
| Tier 1 risk-based capital ratio | 19.7803% | 1,704 |
| Total risk-based capital ratio | 20.8629% | 1,717 |
| Memoranda: | ||
| Average total assets | $1,372,899,000 | 488 |
| Average earning assets | $1,256,582,600 | 480 |
| Average equity | $162,136,800 | 463 |
| Average total loans | $943,144,800 | 451 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 4,324 |
| Cost of funding earning assets | 0.8798% | 906 |
| Net interest margin | 3.0676% | 5,407 |
| Noninterest income to average assets | 0.5199% | 3,672 |
| Noninterest expense to average assets | 2.3601% | 5,150 |
| Loan and lease loss provision to assets | 0.2660% | 1,331 |
| Net operating income to assets | 0.5686% | 4,480 |
| Return on assets (ROA) | 0.6249% | 4,366 |
| Pretax return on assets | 0.7674% | 4,432 |
| Return on Equity (ROE) | 5.3121% | 4,557 |
| Retained earnings to average equity (ytd only) | -7.0225% | 6,573 |
| Net charge-offs to loans | 0.3158% | 1,963 |
| Credit loss provision to net charge-offs | 122.7131% | 1,913 |
| Earnings coverage of net charge-offs (x) | 4.4462% | 3,439 |
| Efficiency ratio | 69.7748% | 3,797 |
| Assets per employee ($millions) | 5.4078% | 1,721 |
| Cash dividends to net income (ytd only)* | 232.1981% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 6,151 |
| Loan loss allowance to noncurrent loans | 34.6407% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 1.8558% | 2,192 |
| Noncurrent loans to loans | 2.4863% | 1,742 |
| Net loans and leases to total assets | 67.8450% | 2,318 |
| Net loans and leases to deposits | 88.7369% | 1,289 |
| Net loans and leases to core deposits | 116.2308% | 388 |
| Total domestic deposits to total assets | 76.4563% | 6,118 |
| Equity capital to assets | 11.8188% | 2,032 |
| Core capital (leverage) ratio | 11.1865% | 2,315 |
| Tier 1 risk-based capital ratio | 19.4189% | 1,882 |
| Total risk-based capital ratio | 20.4561% | 1,890 |
| Memoranda: | ||
| Average total assets | $1,378,333,000 | 492 |
| Average earning assets | $1,259,906,000 | 483 |
| Average equity | $162,141,500 | 466 |
| Average total loans | $946,267,250 | 450 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9993% | 4,116 |
| Cost of funding earning assets | 0.8922% | 938 |
| Net interest margin | 3.1071% | 5,252 |
| Noninterest income to average assets | 0.5373% | 3,590 |
| Noninterest expense to average assets | 2.4116% | 5,020 |
| Loan and lease loss provision to assets | 0.2823% | 1,291 |
| Net operating income to assets | 0.5385% | 4,620 |
| Return on assets (ROA) | 0.6197% | 4,359 |
| Pretax return on assets | 0.7906% | 4,346 |
| Return on Equity (ROE) | 5.2758% | 4,578 |
| Retained earnings to average equity (ytd only) | -13.2098% | 6,734 |
| Net charge-offs to loans | 0.2782% | 2,094 |
| Credit loss provision to net charge-offs | 147.6154% | 1,559 |
| Earnings coverage of net charge-offs (x) | 5.0666% | 2,971 |
| Efficiency ratio | 70.1122% | 3,805 |
| Assets per employee ($millions) | 5.4601% | 1,623 |
| Cash dividends to net income (ytd only)* | 350.3854% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 6,229 |
| Loan loss allowance to noncurrent loans | 33.0760% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 1.9290% | 2,251 |
| Noncurrent loans to loans | 2.6019% | 1,768 |
| Net loans and leases to total assets | 68.7928% | 2,094 |
| Net loans and leases to deposits | 92.0807% | 954 |
| Net loans and leases to core deposits | 118.2106% | 347 |
| Total domestic deposits to total assets | 74.7093% | 6,382 |
| Equity capital to assets | 11.4359% | 2,348 |
| Core capital (leverage) ratio | 10.9704% | 2,384 |
| Tier 1 risk-based capital ratio | 18.7641% | 2,059 |
| Total risk-based capital ratio | 19.7974% | 2,086 |
| Memoranda: | ||
| Average total assets | $1,381,723,000 | 491 |
| Average earning assets | $1,264,320,670 | 482 |
| Average equity | $162,288,330 | 465 |
| Average total loans | $949,591,670 | 446 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 4,038 |
| Cost of funding earning assets | 0.9148% | 918 |
| Net interest margin | 3.1046% | 5,247 |
| Noninterest income to average assets | 0.5383% | 3,510 |
| Noninterest expense to average assets | 2.4856% | 4,805 |
| Loan and lease loss provision to assets | 0.2451% | 1,469 |
| Net operating income to assets | 0.4999% | 4,662 |
| Return on assets (ROA) | 0.6591% | 4,069 |
| Pretax return on assets | 0.8503% | 3,951 |
| Return on Equity (ROE) | 5.5395% | 4,292 |
| Retained earnings to average equity (ytd only) | -30.8089% | 6,901 |
| Net charge-offs to loans | 0.3094% | 1,721 |
| Credit loss provision to net charge-offs | 115.8038% | 1,635 |
| Earnings coverage of net charge-offs (x) | 4.2112% | 2,598 |
| Efficiency ratio | 72.3873% | 3,540 |
| Assets per employee ($millions) | 5.5386% | 1,636 |
| Cash dividends to net income (ytd only)* | 656.1680% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 6,441 |
| Loan loss allowance to noncurrent loans | 29.1407% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 2.0401% | 2,295 |
| Noncurrent loans to loans | 2.7793% | 1,824 |
| Net loans and leases to total assets | 68.3970% | 1,940 |
| Net loans and leases to deposits | 92.6875% | 749 |
| Net loans and leases to core deposits | 118.0909% | 307 |
| Total domestic deposits to total assets | 73.7931% | 6,544 |
| Equity capital to assets | 11.5365% | 2,378 |
| Core capital (leverage) ratio | 10.8111% | 2,447 |
| Tier 1 risk-based capital ratio | 18.5102% | 2,191 |
| Total risk-based capital ratio | 19.4807% | 2,242 |
| Memoranda: | ||
| Average total assets | $1,387,343,500 | 489 |
| Average earning assets | $1,268,435,000 | 483 |
| Average equity | $165,069,000 | 468 |
| Average total loans | $948,899,000 | 445 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 4,292 |
| Cost of funding earning assets | 1.3593% | 295 |
| Net interest margin | 2.9174% | 6,193 |
| Noninterest income to average assets | 0.5625% | 3,498 |
| Noninterest expense to average assets | 2.6225% | 4,667 |
| Loan and lease loss provision to assets | 0.2485% | 2,667 |
| Net operating income to assets | 0.2826% | 5,531 |
| Return on assets (ROA) | 0.3039% | 5,665 |
| Pretax return on assets | 0.4016% | 5,574 |
| Return on Equity (ROE) | 2.2743% | 5,828 |
| Retained earnings to average equity (ytd only) | -12.9688% | 6,729 |
| Net charge-offs to loans | 0.4674% | 2,367 |
| Credit loss provision to net charge-offs | 78.4667% | 3,873 |
| Earnings coverage of net charge-offs (x) | 1.9642% | 4,438 |
| Efficiency ratio | 79.7519% | 2,177 |
| Assets per employee ($millions) | 5.6955% | 1,521 |
| Cash dividends to net income (ytd only)* | 670.2413% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7947% | 6,500 |
| Loan loss allowance to noncurrent loans | 29.6426% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 1.9977% | 2,455 |
| Noncurrent loans to loans | 2.6810% | 1,972 |
| Net loans and leases to total assets | 67.3099% | 2,318 |
| Net loans and leases to deposits | 96.7106% | 576 |
| Net loans and leases to core deposits | 117.0662% | 336 |
| Total domestic deposits to total assets | 69.5994% | 6,801 |
| Equity capital to assets | 12.2529% | 1,889 |
| Core capital (leverage) ratio | 11.4749% | 1,894 |
| Tier 1 risk-based capital ratio | 19.9970% | 1,679 |
| Total risk-based capital ratio | 20.9515% | 1,726 |
| Memoranda: | ||
| Average total assets | $1,227,279,000 | 534 |
| Average earning assets | $1,128,332,600 | 526 |
| Average equity | $164,008,400 | 455 |
| Average total loans | $831,597,200 | 491 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1894% | 4,853 |
| Cost of funding earning assets | 1.4678% | 230 |
| Net interest margin | 2.7216% | 6,617 |
| Noninterest income to average assets | 0.5329% | 3,726 |
| Noninterest expense to average assets | 2.7791% | 4,061 |
| Loan and lease loss provision to assets | 0.2309% | 2,739 |
| Net operating income to assets | 0.0482% | 6,212 |
| Return on assets (ROA) | 0.0868% | 6,290 |
| Pretax return on assets | 0.0687% | 6,312 |
| Return on Equity (ROE) | 0.6342% | 6,323 |
| Retained earnings to average equity (ytd only) | -19.9298% | 6,973 |
| Net charge-offs to loans | 0.5221% | 2,047 |
| Credit loss provision to net charge-offs | 65.2866% | 4,019 |
| Earnings coverage of net charge-offs (x) | 0.7379% | 4,957 |
| Efficiency ratio | 90.3601% | 1,014 |
| Assets per employee ($millions) | 5.7206% | 1,439 |
| Cash dividends to net income (ytd only)* | 3,242.5557% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 6,668 |
| Loan loss allowance to noncurrent loans | 30.6897% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 1.8961% | 2,791 |
| Noncurrent loans to loans | 2.4827% | 2,316 |
| Net loans and leases to total assets | 67.3087% | 2,405 |
| Net loans and leases to deposits | 95.1642% | 714 |
| Net loans and leases to core deposits | 115.3936% | 398 |
| Total domestic deposits to total assets | 70.7290% | 6,808 |
| Equity capital to assets | 11.8955% | 2,355 |
| Core capital (leverage) ratio | 11.0801% | 2,313 |
| Tier 1 risk-based capital ratio | 18.8137% | 2,069 |
| Total risk-based capital ratio | 19.7061% | 2,148 |
| Memoranda: | ||
| Average total assets | $1,183,823,250 | 561 |
| Average earning assets | $1,090,505,250 | 548 |
| Average equity | $162,091,750 | 458 |
| Average total loans | $801,837,500 | 507 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1826% | 5,017 |
| Cost of funding earning assets | 1.5778% | 170 |
| Net interest margin | 2.6048% | 6,813 |
| Noninterest income to average assets | 0.5223% | 3,770 |
| Noninterest expense to average assets | 2.3008% | 5,735 |
| Loan and lease loss provision to assets | 0.2257% | 2,822 |
| Net operating income to assets | 0.3236% | 5,528 |
| Return on assets (ROA) | 0.3446% | 5,674 |
| Pretax return on assets | 0.4372% | 5,608 |
| Return on Equity (ROE) | 2.3836% | 5,919 |
| Retained earnings to average equity (ytd only) | 2.3836% | 5,003 |
| Net charge-offs to loans | 0.6782% | 1,632 |
| Credit loss provision to net charge-offs | 49.1739% | 4,058 |
| Earnings coverage of net charge-offs (x) | 1.3863% | 4,317 |
| Efficiency ratio | 77.3364% | 2,547 |
| Assets per employee ($millions) | 5.5615% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 6,332 |
| Loan loss allowance to noncurrent loans | 45.0994% | 5,387 |
| Noncurrent assets plus other real estate owned to assets | 1.5744% | 3,349 |
| Noncurrent loans to loans | 2.1038% | 2,817 |
| Net loans and leases to total assets | 66.6367% | 2,543 |
| Net loans and leases to deposits | 106.4583% | 218 |
| Net loans and leases to core deposits | 143.8667% | 127 |
| Total domestic deposits to total assets | 62.5942% | 7,104 |
| Equity capital to assets | 14.5859% | 895 |
| Core capital (leverage) ratio | 14.4120% | 713 |
| Tier 1 risk-based capital ratio | 25.9218% | 813 |
| Total risk-based capital ratio | 27.0811% | 802 |
| Memoranda: | ||
| Average total assets | $1,107,434,330 | 597 |
| Average earning assets | $1,026,735,330 | 579 |
| Average equity | $160,095,000 | 458 |
| Average total loans | $749,661,000 | 544 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2412% | 4,958 |
| Cost of funding earning assets | 1.6240% | 171 |
| Net interest margin | 2.6172% | 6,865 |
| Noninterest income to average assets | 0.5090% | 3,852 |
| Noninterest expense to average assets | 2.3290% | 5,691 |
| Loan and lease loss provision to assets | 0.2353% | 2,585 |
| Net operating income to assets | 0.2874% | 5,700 |
| Return on assets (ROA) | 0.3283% | 5,728 |
| Pretax return on assets | 0.4253% | 5,652 |
| Return on Equity (ROE) | 2.2814% | 5,979 |
| Retained earnings to average equity (ytd only) | 2.2814% | 5,119 |
| Net charge-offs to loans | 0.5032% | 1,828 |
| Credit loss provision to net charge-offs | 68.8559% | 2,940 |
| Earnings coverage of net charge-offs (x) | 1.7775% | 3,451 |
| Efficiency ratio | 77.9956% | 2,493 |
| Assets per employee ($millions) | 5.6224% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 5,964 |
| Loan loss allowance to noncurrent loans | 56.8042% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 3,690 |
| Noncurrent loans to loans | 1.9015% | 3,280 |
| Net loans and leases to total assets | 66.6176% | 2,362 |
| Net loans and leases to deposits | 109.5291% | 145 |
| Net loans and leases to core deposits | 143.4965% | 129 |
| Total domestic deposits to total assets | 60.8218% | 7,185 |
| Equity capital to assets | 14.3384% | 909 |
| Core capital (leverage) ratio | 14.2683% | 738 |
| Tier 1 risk-based capital ratio | 25.6971% | 834 |
| Total risk-based capital ratio | 26.9490% | 815 |
| Memoranda: | ||
| Average total assets | $1,105,001,500 | 601 |
| Average earning assets | $1,024,908,000 | 582 |
| Average equity | $159,023,000 | 460 |
| Average total loans | $750,341,500 | 540 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5793% | 4,756 |
| Cost of funding earning assets | 1.7624% | 247 |
| Net interest margin | 2.8169% | 6,802 |
| Noninterest income to average assets | 0.4283% | 4,382 |
| Noninterest expense to average assets | 2.2898% | 6,062 |
| Loan and lease loss provision to assets | 0.1897% | 4,283 |
| Net operating income to assets | 0.4238% | 4,759 |
| Return on assets (ROA) | 0.4703% | 4,744 |
| Pretax return on assets | 0.6246% | 4,611 |
| Return on Equity (ROE) | 3.2594% | 5,176 |
| Retained earnings to average equity (ytd only) | -3.0769% | 6,283 |
| Net charge-offs to loans | 0.1890% | 4,635 |
| Credit loss provision to net charge-offs | 146.1268% | 1,960 |
| Earnings coverage of net charge-offs (x) | 5.7951% | 2,683 |
| Efficiency ratio | 74.1991% | 3,196 |
| Assets per employee ($millions) | 5.5673% | 1,561 |
| Cash dividends to net income (ytd only)* | 194.4012% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1175% | 5,752 |
| Loan loss allowance to noncurrent loans | 60.9884% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.4464% | 3,817 |
| Noncurrent loans to loans | 1.8323% | 3,430 |
| Net loans and leases to total assets | 67.7065% | 2,454 |
| Net loans and leases to deposits | 114.7997% | 114 |
| Net loans and leases to core deposits | 147.7328% | 140 |
| Total domestic deposits to total assets | 58.9779% | 7,240 |
| Equity capital to assets | 14.4448% | 915 |
| Core capital (leverage) ratio | 14.3354% | 748 |
| Tier 1 risk-based capital ratio | 27.7156% | 643 |
| Total risk-based capital ratio | 28.9690% | 634 |
| Memoranda: | ||
| Average total assets | $1,093,743,800 | 596 |
| Average earning assets | $1,014,951,000 | 578 |
| Average equity | $157,819,400 | 448 |
| Average total loans | $751,467,200 | 544 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 4,664 |
| Cost of funding earning assets | 1.7824% | 278 |
| Net interest margin | 2.8708% | 6,798 |
| Noninterest income to average assets | 0.4310% | 4,429 |
| Noninterest expense to average assets | 2.3012% | 6,032 |
| Loan and lease loss provision to assets | 0.1921% | 4,099 |
| Net operating income to assets | 0.4464% | 4,799 |
| Return on assets (ROA) | 0.5076% | 4,701 |
| Pretax return on assets | 0.6858% | 4,533 |
| Return on Equity (ROE) | 3.5187% | 5,214 |
| Retained earnings to average equity (ytd only) | -4.9377% | 6,593 |
| Net charge-offs to loans | 0.2028% | 4,182 |
| Credit loss provision to net charge-offs | 137.7953% | 2,312 |
| Earnings coverage of net charge-offs (x) | 5.7034% | 2,715 |
| Efficiency ratio | 73.3325% | 3,310 |
| Assets per employee ($millions) | 5.5767% | 1,525 |
| Cash dividends to net income (ytd only)* | 240.3269% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 5,915 |
| Loan loss allowance to noncurrent loans | 74.4691% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.2130% | 4,370 |
| Noncurrent loans to loans | 1.4681% | 4,094 |
| Net loans and leases to total assets | 67.2796% | 2,616 |
| Net loans and leases to deposits | 114.9600% | 118 |
| Net loans and leases to core deposits | 146.5916% | 148 |
| Total domestic deposits to total assets | 58.5244% | 7,320 |
| Equity capital to assets | 14.3877% | 1,028 |
| Core capital (leverage) ratio | 14.1787% | 851 |
| Tier 1 risk-based capital ratio | 27.3533% | 709 |
| Total risk-based capital ratio | 28.6061% | 693 |
| Memoranda: | ||
| Average total assets | $1,092,990,250 | 605 |
| Average earning assets | $1,014,780,500 | 589 |
| Average equity | $157,668,250 | 456 |
| Average total loans | $751,592,000 | 552 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6887% | 4,580 |
| Cost of funding earning assets | 1.7800% | 340 |
| Net interest margin | 2.9087% | 6,775 |
| Noninterest income to average assets | 0.3791% | 4,855 |
| Noninterest expense to average assets | 2.2997% | 6,133 |
| Loan and lease loss provision to assets | 0.2062% | 3,858 |
| Net operating income to assets | 0.4280% | 4,822 |
| Return on assets (ROA) | 0.4377% | 4,915 |
| Pretax return on assets | 0.5902% | 4,770 |
| Return on Equity (ROE) | 3.0317% | 5,379 |
| Retained earnings to average equity (ytd only) | -9.6638% | 6,864 |
| Net charge-offs to loans | 0.1695% | 4,161 |
| Credit loss provision to net charge-offs | 176.3323% | 1,708 |
| Earnings coverage of net charge-offs (x) | 6.6975% | 2,351 |
| Efficiency ratio | 73.7737% | 3,400 |
| Assets per employee ($millions) | 5.6313% | 1,457 |
| Cash dividends to net income (ytd only)* | 418.7605% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,972 |
| Loan loss allowance to noncurrent loans | 72.6975% | 3,827 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 4,473 |
| Noncurrent loans to loans | 1.5079% | 4,158 |
| Net loans and leases to total assets | 67.2369% | 2,784 |
| Net loans and leases to deposits | 110.3593% | 173 |
| Net loans and leases to core deposits | 143.1270% | 170 |
| Total domestic deposits to total assets | 60.9254% | 7,365 |
| Equity capital to assets | 13.9897% | 1,099 |
| Core capital (leverage) ratio | 13.8790% | 900 |
| Tier 1 risk-based capital ratio | 26.7397% | 743 |
| Total risk-based capital ratio | 27.9937% | 729 |
| Memoranda: | ||
| Average total assets | $1,091,116,670 | 614 |
| Average earning assets | $1,014,272,670 | 593 |
| Average equity | $157,536,000 | 457 |
| Average total loans | $753,019,000 | 561 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7064% | 4,492 |
| Cost of funding earning assets | 1.7980% | 381 |
| Net interest margin | 2.9084% | 6,745 |
| Noninterest income to average assets | 0.3783% | 4,890 |
| Noninterest expense to average assets | 2.3031% | 6,173 |
| Loan and lease loss provision to assets | 0.2397% | 3,271 |
| Net operating income to assets | 0.4251% | 4,827 |
| Return on assets (ROA) | 0.4458% | 4,822 |
| Pretax return on assets | 0.5730% | 4,789 |
| Return on Equity (ROE) | 3.0396% | 5,344 |
| Retained earnings to average equity (ytd only) | 3.0396% | 4,337 |
| Net charge-offs to loans | 0.1373% | 3,692 |
| Credit loss provision to net charge-offs | 250.9653% | 1,242 |
| Earnings coverage of net charge-offs (x) | 8.2317% | 1,844 |
| Efficiency ratio | 73.9437% | 3,520 |
| Assets per employee ($millions) | 5.5762% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 6,121 |
| Loan loss allowance to noncurrent loans | 67.9001% | 4,017 |
| Noncurrent assets plus other real estate owned to assets | 1.3845% | 4,212 |
| Noncurrent loans to loans | 1.5906% | 4,096 |
| Net loans and leases to total assets | 68.1215% | 2,524 |
| Net loans and leases to deposits | 116.6175% | 110 |
| Net loans and leases to core deposits | 150.0862% | 149 |
| Total domestic deposits to total assets | 58.4145% | 7,447 |
| Equity capital to assets | 14.6266% | 847 |
| Core capital (leverage) ratio | 14.8878% | 683 |
| Tier 1 risk-based capital ratio | 28.6752% | 595 |
| Total risk-based capital ratio | 29.9328% | 582 |
| Memoranda: | ||
| Average total assets | $1,084,811,000 | 626 |
| Average earning assets | $1,011,123,500 | 598 |
| Average equity | $159,100,000 | 448 |
| Average total loans | $754,360,000 | 571 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9628% | 4,734 |
| Cost of funding earning assets | 2.1186% | 397 |
| Net interest margin | 2.8442% | 6,976 |
| Noninterest income to average assets | 0.3976% | 4,929 |
| Noninterest expense to average assets | 2.3419% | 6,239 |
| Loan and lease loss provision to assets | 0.2060% | 5,184 |
| Net operating income to assets | 0.3723% | 4,668 |
| Return on assets (ROA) | 0.4558% | 4,457 |
| Pretax return on assets | 0.6100% | 4,286 |
| Return on Equity (ROE) | 3.0215% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.0215% | 3,733 |
| Net charge-offs to loans | 0.0838% | 5,995 |
| Credit loss provision to net charge-offs | 347.0209% | 745 |
| Earnings coverage of net charge-offs (x) | 11.8696% | 1,562 |
| Efficiency ratio | 76.2786% | 3,012 |
| Assets per employee ($millions) | 5.3834% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 6,269 |
| Loan loss allowance to noncurrent loans | 64.8726% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.3301% | 4,365 |
| Noncurrent loans to loans | 1.5776% | 4,136 |
| Net loans and leases to total assets | 69.5029% | 2,660 |
| Net loans and leases to deposits | 127.2413% | 77 |
| Net loans and leases to core deposits | 159.6042% | 142 |
| Total domestic deposits to total assets | 54.6230% | 7,545 |
| Equity capital to assets | 14.7063% | 859 |
| Core capital (leverage) ratio | 14.9524% | 674 |
| Tier 1 risk-based capital ratio | 28.6995% | 561 |
| Total risk-based capital ratio | 29.9536% | 551 |
| Memoranda: | ||
| Average total assets | $1,046,116,000 | 643 |
| Average earning assets | $974,296,000 | 614 |
| Average equity | $157,803,800 | 434 |
| Average total loans | $740,777,600 | 588 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0365% | 4,643 |
| Cost of funding earning assets | 2.1974% | 385 |
| Net interest margin | 2.8392% | 7,094 |
| Noninterest income to average assets | 0.4219% | 4,786 |
| Noninterest expense to average assets | 2.3452% | 6,188 |
| Loan and lease loss provision to assets | 0.2151% | 4,915 |
| Net operating income to assets | 0.3750% | 4,864 |
| Return on assets (ROA) | 0.4857% | 4,576 |
| Pretax return on assets | 0.6534% | 4,413 |
| Return on Equity (ROE) | 3.1990% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.1990% | 4,184 |
| Net charge-offs to loans | 0.0780% | 5,741 |
| Credit loss provision to net charge-offs | 388.6311% | 795 |
| Earnings coverage of net charge-offs (x) | 12.9908% | 1,634 |
| Efficiency ratio | 75.9439% | 2,961 |
| Assets per employee ($millions) | 5.1486% | 2,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0081% | 6,357 |
| Loan loss allowance to noncurrent loans | 70.8092% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.1834% | 4,770 |
| Noncurrent loans to loans | 1.4237% | 4,478 |
| Net loans and leases to total assets | 68.9495% | 3,001 |
| Net loans and leases to deposits | 134.8230% | 58 |
| Net loans and leases to core deposits | 160.5224% | 146 |
| Total domestic deposits to total assets | 51.1408% | 7,660 |
| Equity capital to assets | 15.0430% | 880 |
| Core capital (leverage) ratio | 15.0700% | 706 |
| Tier 1 risk-based capital ratio | 31.3465% | 459 |
| Total risk-based capital ratio | 32.6015% | 451 |
| Memoranda: | ||
| Average total assets | $1,038,474,750 | 642 |
| Average earning assets | $966,406,750 | 620 |
| Average equity | $157,669,750 | 429 |
| Average total loans | $736,956,250 | 592 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 4,475 |
| Cost of funding earning assets | 2.2191% | 436 |
| Net interest margin | 2.8775% | 7,036 |
| Noninterest income to average assets | 0.4205% | 4,747 |
| Noninterest expense to average assets | 2.3234% | 6,294 |
| Loan and lease loss provision to assets | 0.2231% | 4,668 |
| Net operating income to assets | 0.4134% | 4,696 |
| Return on assets (ROA) | 0.4946% | 4,510 |
| Pretax return on assets | 0.6595% | 4,368 |
| Return on Equity (ROE) | 3.2475% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.2475% | 4,035 |
| Net charge-offs to loans | 0.0902% | 5,236 |
| Credit loss provision to net charge-offs | 346.3855% | 1,054 |
| Earnings coverage of net charge-offs (x) | 12.0241% | 1,709 |
| Efficiency ratio | 74.4145% | 3,391 |
| Assets per employee ($millions) | 5.2257% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 6,590 |
| Loan loss allowance to noncurrent loans | 79.2551% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.0473% | 5,050 |
| Noncurrent loans to loans | 1.2016% | 4,957 |
| Net loans and leases to total assets | 69.5319% | 3,013 |
| Net loans and leases to deposits | 139.7959% | 50 |
| Net loans and leases to core deposits | 165.5829% | 146 |
| Total domestic deposits to total assets | 49.7381% | 7,735 |
| Equity capital to assets | 15.1723% | 843 |
| Core capital (leverage) ratio | 15.0698% | 710 |
| Tier 1 risk-based capital ratio | 29.8460% | 516 |
| Total risk-based capital ratio | 31.0990% | 503 |
| Memoranda: | ||
| Average total assets | $1,031,097,000 | 641 |
| Average earning assets | $959,313,330 | 623 |
| Average equity | $157,044,000 | 430 |
| Average total loans | $736,364,670 | 593 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1700% | 4,196 |
| Cost of funding earning assets | 2.1874% | 610 |
| Net interest margin | 2.9826% | 6,867 |
| Noninterest income to average assets | 0.4163% | 4,763 |
| Noninterest expense to average assets | 2.2720% | 6,472 |
| Loan and lease loss provision to assets | 0.2545% | 4,009 |
| Net operating income to assets | 0.5149% | 4,319 |
| Return on assets (ROA) | 0.6078% | 4,009 |
| Pretax return on assets | 0.7891% | 3,910 |
| Return on Equity (ROE) | 3.9825% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.9825% | 3,758 |
| Net charge-offs to loans | 0.1408% | 4,092 |
| Credit loss provision to net charge-offs | 250.9653% | 1,537 |
| Earnings coverage of net charge-offs (x) | 9.1004% | 1,895 |
| Efficiency ratio | 70.5233% | 4,216 |
| Assets per employee ($millions) | 5.2612% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 6,849 |
| Loan loss allowance to noncurrent loans | 67.9897% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.1096% | 4,933 |
| Noncurrent loans to loans | 1.3188% | 4,778 |
| Net loans and leases to total assets | 70.3265% | 2,855 |
| Net loans and leases to deposits | 149.6527% | 44 |
| Net loans and leases to core deposits | 176.6956% | 141 |
| Total domestic deposits to total assets | 46.9931% | 7,846 |
| Equity capital to assets | 15.1268% | 848 |
| Core capital (leverage) ratio | 15.1091% | 734 |
| Tier 1 risk-based capital ratio | 29.8228% | 534 |
| Total risk-based capital ratio | 31.0767% | 517 |
| Memoranda: | ||
| Average total assets | $1,021,462,000 | 662 |
| Average earning assets | $951,643,500 | 642 |
| Average equity | $155,883,500 | 439 |
| Average total loans | $735,866,000 | 612 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 4,371 |
| Cost of funding earning assets | 2.4341% | 1,198 |
| Net interest margin | 3.0281% | 6,571 |
| Noninterest income to average assets | 0.3641% | 5,486 |
| Noninterest expense to average assets | 2.3485% | 6,608 |
| Loan and lease loss provision to assets | 0.1614% | 6,073 |
| Net operating income to assets | 0.4825% | 3,805 |
| Return on assets (ROA) | 0.4881% | 3,876 |
| Pretax return on assets | 0.6865% | 3,618 |
| Return on Equity (ROE) | 3.2473% | 4,399 |
| Retained earnings to average equity (ytd only) | 3.2473% | 2,887 |
| Net charge-offs to loans | 0.0302% | 6,823 |
| Credit loss provision to net charge-offs | 728.6996% | 399 |
| Earnings coverage of net charge-offs (x) | 37.9193% | 628 |
| Efficiency ratio | 73.0147% | 4,094 |
| Assets per employee ($millions) | 5.5915% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 7,006 |
| Loan loss allowance to noncurrent loans | 80.1343% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 0.9426% | 5,220 |
| Noncurrent loans to loans | 1.0516% | 5,214 |
| Net loans and leases to total assets | 72.5339% | 2,625 |
| Net loans and leases to deposits | 180.9195% | 30 |
| Net loans and leases to core deposits | 198.8966% | 104 |
| Total domestic deposits to total assets | 40.0918% | 7,934 |
| Equity capital to assets | 15.3988% | 818 |
| Core capital (leverage) ratio | 15.3574% | 714 |
| Tier 1 risk-based capital ratio | 30.0933% | 520 |
| Total risk-based capital ratio | 31.3051% | 505 |
| Memoranda: | ||
| Average total assets | $1,006,710,600 | 664 |
| Average earning assets | $938,994,600 | 643 |
| Average equity | $151,324,000 | 450 |
| Average total loans | $738,416,600 | 622 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5043% | 4,395 |
| Cost of funding earning assets | 2.4807% | 1,363 |
| Net interest margin | 3.0237% | 6,539 |
| Noninterest income to average assets | 0.4740% | 4,718 |
| Noninterest expense to average assets | 2.3539% | 6,543 |
| Loan and lease loss provision to assets | 0.1490% | 5,862 |
| Net operating income to assets | 0.5515% | 3,789 |
| Return on assets (ROA) | 0.5589% | 3,846 |
| Pretax return on assets | 0.8031% | 3,534 |
| Return on Equity (ROE) | 3.7408% | 4,477 |
| Retained earnings to average equity (ytd only) | 3.7408% | 3,197 |
| Net charge-offs to loans | 0.0258% | 6,519 |
| Credit loss provision to net charge-offs | 786.7133% | 486 |
| Earnings coverage of net charge-offs (x) | 49.7138% | 643 |
| Efficiency ratio | 70.7993% | 4,454 |
| Assets per employee ($millions) | 5.6819% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7862% | 7,163 |
| Loan loss allowance to noncurrent loans | 127.3823% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.7064% | 5,716 |
| Noncurrent loans to loans | 0.6172% | 6,072 |
| Net loans and leases to total assets | 72.5543% | 2,902 |
| Net loans and leases to deposits | 178.7134% | 34 |
| Net loans and leases to core deposits | 199.8080% | 101 |
| Total domestic deposits to total assets | 40.5981% | 8,015 |
| Equity capital to assets | 15.2479% | 938 |
| Core capital (leverage) ratio | 15.1706% | 824 |
| Tier 1 risk-based capital ratio | 29.8648% | 575 |
| Total risk-based capital ratio | 31.0030% | 565 |
| Memoranda: | ||
| Average total assets | $1,006,771,250 | 675 |
| Average earning assets | $939,404,500 | 658 |
| Average equity | $150,409,000 | 460 |
| Average total loans | $738,962,250 | 640 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 4,386 |
| Cost of funding earning assets | 2.5230% | 1,537 |
| Net interest margin | 3.0170% | 6,496 |
| Noninterest income to average assets | 0.4914% | 4,517 |
| Noninterest expense to average assets | 2.3495% | 6,627 |
| Loan and lease loss provision to assets | 0.1492% | 5,582 |
| Net operating income to assets | 0.5896% | 3,719 |
| Return on assets (ROA) | 0.6013% | 3,779 |
| Pretax return on assets | 0.8237% | 3,591 |
| Return on Equity (ROE) | 4.0525% | 4,476 |
| Retained earnings to average equity (ytd only) | 4.0525% | 3,032 |
| Net charge-offs to loans | 0.0236% | 6,160 |
| Credit loss provision to net charge-offs | 862.0690% | 555 |
| Earnings coverage of net charge-offs (x) | 55.2874% | 639 |
| Efficiency ratio | 70.4314% | 4,693 |
| Assets per employee ($millions) | 5.7351% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7402% | 7,330 |
| Loan loss allowance to noncurrent loans | 158.5113% | 1,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 5,911 |
| Noncurrent loans to loans | 0.4670% | 6,360 |
| Net loans and leases to total assets | 72.1699% | 3,170 |
| Net loans and leases to deposits | 180.6949% | 42 |
| Net loans and leases to core deposits | 206.5609% | 102 |
| Total domestic deposits to total assets | 39.9402% | 8,097 |
| Equity capital to assets | 14.8965% | 1,058 |
| Core capital (leverage) ratio | 14.8516% | 953 |
| Tier 1 risk-based capital ratio | 29.1291% | 656 |
| Total risk-based capital ratio | 30.1852% | 653 |
| Memoranda: | ||
| Average total assets | $1,005,235,330 | 690 |
| Average earning assets | $937,947,330 | 669 |
| Average equity | $149,140,670 | 470 |
| Average total loans | $738,745,000 | 659 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5725% | 4,514 |
| Cost of funding earning assets | 2.5959% | 1,580 |
| Net interest margin | 2.9766% | 6,540 |
| Noninterest income to average assets | 0.4255% | 4,999 |
| Noninterest expense to average assets | 2.3428% | 6,397 |
| Loan and lease loss provision to assets | 0.1504% | 5,001 |
| Net operating income to assets | 0.5065% | 4,390 |
| Return on assets (ROA) | 0.5065% | 4,577 |
| Pretax return on assets | 0.7106% | 4,397 |
| Return on Equity (ROE) | 3.4210% | 5,200 |
| Retained earnings to average equity (ytd only) | 3.4210% | 3,986 |
| Net charge-offs to loans | -0.0005% | 7,094 |
| Credit loss provision to net charge-offs | -37,500.0000% | 6,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4872% | 4,111 |
| Assets per employee ($millions) | 5.7086% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6938% | 7,451 |
| Loan loss allowance to noncurrent loans | 161.2693% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.5319% | 5,893 |
| Noncurrent loans to loans | 0.4302% | 6,346 |
| Net loans and leases to total assets | 73.7881% | 2,811 |
| Net loans and leases to deposits | 184.6487% | 39 |
| Net loans and leases to core deposits | 210.4944% | 114 |
| Total domestic deposits to total assets | 39.9614% | 8,143 |
| Equity capital to assets | 14.7903% | 1,166 |
| Core capital (leverage) ratio | 14.8047% | 1,004 |
| Tier 1 risk-based capital ratio | 28.8140% | 702 |
| Total risk-based capital ratio | 29.8186% | 697 |
| Memoranda: | ||
| Average total assets | $997,425,000 | 692 |
| Average earning assets | $930,993,500 | 677 |
| Average equity | $147,675,000 | 479 |
| Average total loans | $736,995,000 | 669 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8450% | 6,275 |
| Cost of funding earning assets | 2.9343% | 2,125 |
| Net interest margin | 2.9107% | 7,134 |
| Noninterest income to average assets | 0.5339% | 4,372 |
| Noninterest expense to average assets | 2.3532% | 6,558 |
| Loan and lease loss provision to assets | 0.2092% | 4,802 |
| Net operating income to assets | 0.4997% | 4,735 |
| Return on assets (ROA) | 0.4997% | 4,579 |
| Pretax return on assets | 0.6863% | 4,446 |
| Return on Equity (ROE) | 3.2252% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.2252% | 3,143 |
| Net charge-offs to loans | 0.0277% | 6,437 |
| Credit loss provision to net charge-offs | 1,014.2105% | 435 |
| Earnings coverage of net charge-offs (x) | 43.4105% | 849 |
| Efficiency ratio | 71.7141% | 3,992 |
| Assets per employee ($millions) | 5.7569% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 7,506 |
| Loan loss allowance to noncurrent loans | 280.4991% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 6,053 |
| Noncurrent loans to loans | 0.2382% | 6,671 |
| Net loans and leases to total assets | 72.9740% | 3,365 |
| Net loans and leases to deposits | 190.3399% | 46 |
| Net loans and leases to core deposits | 215.7916% | 124 |
| Total domestic deposits to total assets | 38.3388% | 8,200 |
| Equity capital to assets | 14.8213% | 1,208 |
| Core capital (leverage) ratio | 14.9860% | 1,038 |
| Tier 1 risk-based capital ratio | 29.5357% | 665 |
| Total risk-based capital ratio | 30.5018% | 670 |
| Memoranda: | ||
| Average total assets | $921,083,800 | 722 |
| Average earning assets | $859,057,400 | 703 |
| Average equity | $142,721,200 | 487 |
| Average total loans | $686,947,600 | 694 |