Home > First Financial Northwest Bank > Performance and Condition Ratios
First Financial Northwest Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5996% | 1,885 |
| Cost of funding earning assets | 3.0532% | 290 |
| Net interest margin | 2.5463% | 3,990 |
| Noninterest income to average assets | 0.2400% | 3,290 |
| Noninterest expense to average assets | 2.5207% | 2,242 |
| Loan and lease loss provision to assets | 0.0500% | 1,971 |
| Net operating income to assets | 0.0522% | 4,116 |
| Return on assets (ROA) | 0.0522% | 4,146 |
| Pretax return on assets | 0.0511% | 4,147 |
| Return on Equity (ROE) | 0.4800% | 4,139 |
| Retained earnings to average equity (ytd only) | 0.4806% | 3,585 |
| Net charge-offs to loans | 0.0246% | 1,495 |
| Credit loss provision to net charge-offs | 281.6901% | 740 |
| Earnings coverage of net charge-offs (x) | 5.0423% | 1,927 |
| Efficiency ratio | 95.8746% | 336 |
| Assets per employee ($millions) | 10.9060% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 1,646 |
| Loan loss allowance to noncurrent loans | 3,846.8354% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 3,515 |
| Noncurrent loans to loans | 0.0341% | 3,529 |
| Net loans and leases to total assets | 79.3100% | 673 |
| Net loans and leases to deposits | 97.6739% | 520 |
| Net loans and leases to core deposits | 127.5665% | 373 |
| Total domestic deposits to total assets | 81.2000% | 3,445 |
| Equity capital to assets | 10.8144% | 1,758 |
| Core capital (leverage) ratio | 11.1076% | 1,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6527% | 1,131 |
| Memoranda: | ||
| Average total assets | $1,431,838,000 | 767 |
| Average earning assets | $1,339,961,500 | 761 |
| Average equity | $155,642,500 | 722 |
| Average total loans | $1,156,094,500 | 687 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6848% | 1,780 |
| Cost of funding earning assets | 3.1336% | 384 |
| Net interest margin | 2.5512% | 3,844 |
| Noninterest income to average assets | 0.2300% | 3,513 |
| Noninterest expense to average assets | 2.4161% | 2,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.1782% | 4,005 |
| Return on assets (ROA) | 0.1782% | 4,036 |
| Pretax return on assets | 0.1953% | 4,037 |
| Return on Equity (ROE) | 1.6900% | 4,031 |
| Retained earnings to average equity (ytd only) | 1.1963% | 3,623 |
| Net charge-offs to loans | 0.0035% | 2,849 |
| Credit loss provision to net charge-offs | -500.0000% | 4,429 |
| Earnings coverage of net charge-offs (x) | 69.9750% | 1,014 |
| Efficiency ratio | 92.3168% | 423 |
| Assets per employee ($millions) | 10.6275% | 645 |
| Cash dividends to net income (ytd only)* | 29.3574% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,654 |
| Loan loss allowance to noncurrent loans | 1,789.3112% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,250 |
| Noncurrent loans to loans | 0.0729% | 3,284 |
| Net loans and leases to total assets | 80.0600% | 646 |
| Net loans and leases to deposits | 99.8247% | 495 |
| Net loans and leases to core deposits | 129.6389% | 379 |
| Total domestic deposits to total assets | 80.2000% | 3,541 |
| Equity capital to assets | 10.9264% | 1,620 |
| Core capital (leverage) ratio | 11.1561% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6496% | 1,126 |
| Memoranda: | ||
| Average total assets | $1,458,743,200 | 748 |
| Average earning assets | $1,361,881,800 | 736 |
| Average equity | $153,468,200 | 704 |
| Average total loans | $1,159,332,400 | 686 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6869% | 1,736 |
| Cost of funding earning assets | 3.1253% | 410 |
| Net interest margin | 2.5616% | 3,806 |
| Noninterest income to average assets | 0.2300% | 3,510 |
| Noninterest expense to average assets | 2.4147% | 2,472 |
| Loan and lease loss provision to assets | 0.1100% | 1,157 |
| Net operating income to assets | 0.0988% | 4,117 |
| Return on assets (ROA) | 0.0988% | 4,144 |
| Pretax return on assets | 0.0945% | 4,151 |
| Return on Equity (ROE) | 0.9500% | 4,142 |
| Retained earnings to average equity (ytd only) | 0.2825% | 3,900 |
| Net charge-offs to loans | 0.0047% | 2,519 |
| Credit loss provision to net charge-offs | 2,439.0244% | 196 |
| Earnings coverage of net charge-offs (x) | 54.6341% | 1,159 |
| Efficiency ratio | 91.9038% | 464 |
| Assets per employee ($millions) | 10.9044% | 588 |
| Cash dividends to net income (ytd only)* | 70.1932% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 1,266 |
| Loan loss allowance to noncurrent loans | 1,906.7995% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 3,318 |
| Noncurrent loans to loans | 0.0747% | 3,320 |
| Net loans and leases to total assets | 77.6500% | 906 |
| Net loans and leases to deposits | 95.3470% | 759 |
| Net loans and leases to core deposits | 121.7376% | 569 |
| Total domestic deposits to total assets | 81.4400% | 3,218 |
| Equity capital to assets | 10.6055% | 1,930 |
| Core capital (leverage) ratio | 10.8557% | 2,138 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6840% | 1,153 |
| Memoranda: | ||
| Average total assets | $1,467,407,500 | 735 |
| Average earning assets | $1,369,732,750 | 725 |
| Average equity | $152,934,750 | 700 |
| Average total loans | $1,160,352,500 | 677 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6785% | 1,636 |
| Cost of funding earning assets | 3.0766% | 416 |
| Net interest margin | 2.6019% | 3,741 |
| Noninterest income to average assets | 0.2300% | 3,492 |
| Noninterest expense to average assets | 2.4910% | 2,268 |
| Loan and lease loss provision to assets | -0.0500% | 4,317 |
| Net operating income to assets | 0.1880% | 4,022 |
| Return on assets (ROA) | 0.1880% | 4,057 |
| Pretax return on assets | 0.2145% | 4,047 |
| Return on Equity (ROE) | 1.8100% | 4,045 |
| Retained earnings to average equity (ytd only) | 0.8150% | 3,648 |
| Net charge-offs to loans | 0.0017% | 2,508 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,552 |
| Earnings coverage of net charge-offs (x) | 120.5000% | 696 |
| Efficiency ratio | 93.5202% | 447 |
| Assets per employee ($millions) | 10.9623% | 550 |
| Cash dividends to net income (ytd only)* | 55.0903% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 1,797 |
| Loan loss allowance to noncurrent loans | 314.5408% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 1,863 |
| Noncurrent loans to loans | 0.4091% | 1,970 |
| Net loans and leases to total assets | 78.4400% | 856 |
| Net loans and leases to deposits | 103.3010% | 393 |
| Net loans and leases to core deposits | 130.3083% | 400 |
| Total domestic deposits to total assets | 75.9400% | 3,904 |
| Equity capital to assets | 10.6354% | 1,730 |
| Core capital (leverage) ratio | 10.9080% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6393% | 1,147 |
| Memoranda: | ||
| Average total assets | $1,473,116,333 | 741 |
| Average earning assets | $1,373,610,000 | 727 |
| Average equity | $152,643,000 | 700 |
| Average total loans | $1,166,333,000 | 680 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6735% | 1,511 |
| Cost of funding earning assets | 3.1043% | 358 |
| Net interest margin | 2.5692% | 3,760 |
| Noninterest income to average assets | 0.2300% | 3,433 |
| Noninterest expense to average assets | 2.9146% | 1,199 |
| Loan and lease loss provision to assets | -0.0500% | 4,346 |
| Net operating income to assets | -0.1701% | 4,370 |
| Return on assets (ROA) | -0.1701% | 4,357 |
| Pretax return on assets | -0.2441% | 4,362 |
| Return on Equity (ROE) | -1.6600% | 4,333 |
| Retained earnings to average equity (ytd only) | -3.6707% | 4,056 |
| Net charge-offs to loans | 0.0034% | 2,037 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,570 |
| Earnings coverage of net charge-offs (x) | -108.2000% | 4,582 |
| Efficiency ratio | 110.7828% | 178 |
| Assets per employee ($millions) | 10.7144% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 1,776 |
| Loan loss allowance to noncurrent loans | 6,046.7742% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 3,654 |
| Noncurrent loans to loans | 0.0214% | 3,635 |
| Net loans and leases to total assets | 77.8600% | 872 |
| Net loans and leases to deposits | 96.6908% | 667 |
| Net loans and leases to core deposits | 124.2409% | 517 |
| Total domestic deposits to total assets | 80.5300% | 3,453 |
| Equity capital to assets | 10.3393% | 1,815 |
| Core capital (leverage) ratio | 10.4129% | 2,395 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2358% | 1,222 |
| Memoranda: | ||
| Average total assets | $1,486,164,500 | 744 |
| Average earning assets | $1,387,220,500 | 728 |
| Average equity | $152,016,000 | 704 |
| Average total loans | $1,174,568,000 | 675 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4860% | 1,179 |
| Cost of funding earning assets | 2.6422% | 279 |
| Net interest margin | 2.8438% | 3,582 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.2504% | 2,980 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | 0.4929% | 3,684 |
| Return on assets (ROA) | 0.4929% | 3,684 |
| Pretax return on assets | 0.6154% | 3,607 |
| Return on Equity (ROE) | 5.0200% | 3,719 |
| Retained earnings to average equity (ytd only) | 1.8144% | 3,620 |
| Net charge-offs to loans | 0.0018% | 2,756 |
| Credit loss provision to net charge-offs | -1,904.7619% | 4,578 |
| Earnings coverage of net charge-offs (x) | 437.5238% | 322 |
| Efficiency ratio | 78.6019% | 1,021 |
| Assets per employee ($millions) | 10.6699% | 589 |
| Cash dividends to net income (ytd only)* | 63.8671% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2849% | 1,851 |
| Loan loss allowance to noncurrent loans | 2,850.2793% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 3,396 |
| Noncurrent loans to loans | 0.0451% | 3,393 |
| Net loans and leases to total assets | 78.1600% | 854 |
| Net loans and leases to deposits | 97.4078% | 686 |
| Net loans and leases to core deposits | 129.7507% | 404 |
| Total domestic deposits to total assets | 80.2400% | 3,422 |
| Equity capital to assets | 10.1208% | 1,934 |
| Core capital (leverage) ratio | 10.1768% | 2,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1486% | 1,241 |
| Memoranda: | ||
| Average total assets | $1,526,742,800 | 709 |
| Average earning assets | $1,427,367,200 | 691 |
| Average equity | $149,855,600 | 670 |
| Average total loans | $1,189,045,200 | 636 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 1,136 |
| Cost of funding earning assets | 2.4837% | 284 |
| Net interest margin | 2.9151% | 3,512 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.2836% | 2,841 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 0.5220% | 3,717 |
| Return on assets (ROA) | 0.5220% | 3,704 |
| Pretax return on assets | 0.6537% | 3,637 |
| Return on Equity (ROE) | 5.3600% | 3,753 |
| Retained earnings to average equity (ytd only) | 1.8617% | 3,754 |
| Net charge-offs to loans | 0.0024% | 2,467 |
| Credit loss provision to net charge-offs | -1,904.7619% | 4,613 |
| Earnings coverage of net charge-offs (x) | 347.8571% | 407 |
| Efficiency ratio | 77.9374% | 1,017 |
| Assets per employee ($millions) | 10.6649% | 553 |
| Cash dividends to net income (ytd only)* | 65.2609% | 785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 1,888 |
| Loan loss allowance to noncurrent loans | 7,614.9254% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,713 |
| Noncurrent loans to loans | 0.0170% | 3,662 |
| Net loans and leases to total assets | 76.5900% | 1,048 |
| Net loans and leases to deposits | 95.1034% | 814 |
| Net loans and leases to core deposits | 130.5017% | 340 |
| Total domestic deposits to total assets | 80.5400% | 3,453 |
| Equity capital to assets | 9.7834% | 1,943 |
| Core capital (leverage) ratio | 10.2488% | 2,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9980% | 1,318 |
| Memoranda: | ||
| Average total assets | $1,532,313,750 | 709 |
| Average earning assets | $1,432,100,500 | 692 |
| Average equity | $149,253,500 | 673 |
| Average total loans | $1,188,498,750 | 634 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3340% | 1,036 |
| Cost of funding earning assets | 2.3259% | 261 |
| Net interest margin | 3.0080% | 3,412 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.3414% | 2,676 |
| Loan and lease loss provision to assets | -0.0100% | 4,374 |
| Net operating income to assets | 0.5498% | 3,698 |
| Return on assets (ROA) | 0.5498% | 3,705 |
| Pretax return on assets | 0.6840% | 3,633 |
| Return on Equity (ROE) | 5.6500% | 3,769 |
| Retained earnings to average equity (ytd only) | 1.5850% | 3,810 |
| Net charge-offs to loans | 0.0035% | 2,187 |
| Credit loss provision to net charge-offs | -476.1905% | 4,592 |
| Earnings coverage of net charge-offs (x) | 245.1905% | 514 |
| Efficiency ratio | 77.4442% | 1,049 |
| Assets per employee ($millions) | 10.1840% | 640 |
| Cash dividends to net income (ytd only)* | 71.9602% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3142% | 1,871 |
| Loan loss allowance to noncurrent loans | 7,764.1791% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,711 |
| Noncurrent loans to loans | 0.0169% | 3,644 |
| Net loans and leases to total assets | 76.7200% | 972 |
| Net loans and leases to deposits | 94.6343% | 810 |
| Net loans and leases to core deposits | 129.5870% | 336 |
| Total domestic deposits to total assets | 81.0700% | 3,423 |
| Equity capital to assets | 9.7127% | 2,024 |
| Core capital (leverage) ratio | 10.0224% | 2,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7455% | 1,375 |
| Memoranda: | ||
| Average total assets | $1,534,726,667 | 697 |
| Average earning assets | $1,434,427,000 | 682 |
| Average equity | $149,270,000 | 672 |
| Average total loans | $1,190,203,333 | 619 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 1,003 |
| Cost of funding earning assets | 2.0212% | 286 |
| Net interest margin | 3.1385% | 3,268 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.2563% | 2,940 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.6394% | 3,611 |
| Return on assets (ROA) | 0.6394% | 3,569 |
| Pretax return on assets | 0.7941% | 3,479 |
| Return on Equity (ROE) | 6.5700% | 3,621 |
| Retained earnings to average equity (ytd only) | 1.7446% | 3,741 |
| Net charge-offs to loans | -0.0003% | 3,263 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.8560% | 1,546 |
| Assets per employee ($millions) | 10.6339% | 579 |
| Cash dividends to net income (ytd only)* | 73.4445% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 1,878 |
| Loan loss allowance to noncurrent loans | 7,974.1294% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 3,731 |
| Noncurrent loans to loans | 0.0167% | 3,678 |
| Net loans and leases to total assets | 75.2800% | 1,049 |
| Net loans and leases to deposits | 95.1620% | 707 |
| Net loans and leases to core deposits | 130.1701% | 270 |
| Total domestic deposits to total assets | 79.1100% | 3,886 |
| Equity capital to assets | 9.4719% | 2,166 |
| Core capital (leverage) ratio | 10.2409% | 2,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5866% | 1,472 |
| Memoranda: | ||
| Average total assets | $1,538,288,500 | 707 |
| Average earning assets | $1,438,519,000 | 695 |
| Average equity | $149,719,500 | 683 |
| Average total loans | $1,191,544,000 | 628 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 888 |
| Cost of funding earning assets | 0.8005% | 380 |
| Net interest margin | 3.5962% | 1,655 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.3456% | 2,595 |
| Loan and lease loss provision to assets | -0.0300% | 4,361 |
| Net operating income to assets | 1.0104% | 2,527 |
| Return on assets (ROA) | 1.0119% | 2,472 |
| Pretax return on assets | 1.2578% | 2,246 |
| Return on Equity (ROE) | 9.8800% | 2,844 |
| Retained earnings to average equity (ytd only) | 5.1216% | 2,991 |
| Net charge-offs to loans | 0.0026% | 2,408 |
| Credit loss provision to net charge-offs | -1,333.3333% | 4,672 |
| Earnings coverage of net charge-offs (x) | 596.5000% | 291 |
| Efficiency ratio | 65.3682% | 2,308 |
| Assets per employee ($millions) | 10.0184% | 670 |
| Cash dividends to net income (ytd only)* | 48.1547% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 1,958 |
| Loan loss allowance to noncurrent loans | 7,575.6219% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 3,738 |
| Noncurrent loans to loans | 0.0170% | 3,712 |
| Net loans and leases to total assets | 77.6600% | 837 |
| Net loans and leases to deposits | 98.2559% | 511 |
| Net loans and leases to core deposits | 119.7285% | 374 |
| Total domestic deposits to total assets | 79.0400% | 4,003 |
| Equity capital to assets | 10.0062% | 1,701 |
| Core capital (leverage) ratio | 10.3105% | 2,353 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6200% | 1,449 |
| Memoranda: | ||
| Average total assets | $1,456,631,200 | 720 |
| Average earning assets | $1,362,016,000 | 702 |
| Average equity | $149,211,400 | 682 |
| Average total loans | $1,146,192,600 | 605 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1829% | 919 |
| Cost of funding earning assets | 0.5916% | 455 |
| Net interest margin | 3.5913% | 1,408 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.3892% | 2,375 |
| Loan and lease loss provision to assets | -0.0800% | 4,553 |
| Net operating income to assets | 1.0267% | 2,381 |
| Return on assets (ROA) | 1.0267% | 2,350 |
| Pretax return on assets | 1.2761% | 2,122 |
| Return on Equity (ROE) | 9.9600% | 2,735 |
| Retained earnings to average equity (ytd only) | 5.5527% | 2,908 |
| Net charge-offs to loans | 0.0036% | 2,087 |
| Credit loss provision to net charge-offs | -2,903.2258% | 4,743 |
| Earnings coverage of net charge-offs (x) | 417.1290% | 369 |
| Efficiency ratio | 66.4349% | 2,222 |
| Assets per employee ($millions) | 10.0278% | 654 |
| Cash dividends to net income (ytd only)* | 44.2667% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2716% | 2,168 |
| Loan loss allowance to noncurrent loans | 6,135.8333% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 3,802 |
| Noncurrent loans to loans | 0.0207% | 3,763 |
| Net loans and leases to total assets | 77.0400% | 799 |
| Net loans and leases to deposits | 98.2100% | 448 |
| Net loans and leases to core deposits | 113.1640% | 387 |
| Total domestic deposits to total assets | 78.4400% | 4,225 |
| Equity capital to assets | 10.0121% | 1,617 |
| Core capital (leverage) ratio | 10.4258% | 2,180 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4931% | 1,573 |
| Memoranda: | ||
| Average total assets | $1,445,097,250 | 728 |
| Average earning assets | $1,351,544,250 | 715 |
| Average equity | $148,921,750 | 686 |
| Average total loans | $1,137,163,250 | 600 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0107% | 920 |
| Cost of funding earning assets | 0.4882% | 552 |
| Net interest margin | 3.5226% | 1,258 |
| Noninterest income to average assets | 0.2204% | 3,879 |
| Noninterest expense to average assets | 2.4107% | 2,197 |
| Loan and lease loss provision to assets | -0.0698% | 4,557 |
| Net operating income to assets | 0.9471% | 2,369 |
| Return on assets (ROA) | 0.9471% | 2,342 |
| Pretax return on assets | 1.1787% | 2,137 |
| Return on Equity (ROE) | 9.1014% | 2,665 |
| Retained earnings to average equity (ytd only) | 4.6339% | 2,838 |
| Net charge-offs to loans | 0.0057% | 1,798 |
| Credit loss provision to net charge-offs | -1,562.5000% | 3,640 |
| Earnings coverage of net charge-offs (x) | 248.1250% | 476 |
| Efficiency ratio | 68.2247% | 2,206 |
| Assets per employee ($millions) | 9.8288% | 698 |
| Cash dividends to net income (ytd only)* | 49.0858% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 2,036 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 76.9797% | 640 |
| Net loans and leases to deposits | 93.8027% | 528 |
| Net loans and leases to core deposits | 105.2679% | 473 |
| Total domestic deposits to total assets | 82.0655% | 3,997 |
| Equity capital to assets | 10.1862% | 1,596 |
| Core capital (leverage) ratio | 10.5275% | 1,923 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4692% | 1,582 |
| Memoranda: | ||
| Average total assets | $1,432,093,000 | 729 |
| Average earning assets | $1,341,295,333 | 718 |
| Average equity | $149,032,000 | 697 |
| Average total loans | $1,130,193,000 | 597 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 880 |
| Cost of funding earning assets | 0.4681% | 587 |
| Net interest margin | 3.4586% | 1,161 |
| Noninterest income to average assets | 0.2157% | 3,864 |
| Noninterest expense to average assets | 2.3468% | 2,353 |
| Loan and lease loss provision to assets | -0.1408% | 4,638 |
| Net operating income to assets | 1.0104% | 1,837 |
| Return on assets (ROA) | 1.0104% | 1,831 |
| Pretax return on assets | 1.2528% | 1,651 |
| Return on Equity (ROE) | 9.6052% | 2,121 |
| Retained earnings to average equity (ytd only) | 5.4998% | 2,412 |
| Net charge-offs to loans | -0.0007% | 2,988 |
| Credit loss provision to net charge-offs | 25,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5728% | 2,558 |
| Assets per employee ($millions) | 10.4055% | 612 |
| Cash dividends to net income (ytd only)* | 42.7417% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,203 |
| Loan loss allowance to noncurrent loans | 8,283.6066% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 3,934 |
| Noncurrent loans to loans | 0.0161% | 3,895 |
| Net loans and leases to total assets | 79.2413% | 279 |
| Net loans and leases to deposits | 97.0988% | 252 |
| Net loans and leases to core deposits | 103.9324% | 402 |
| Total domestic deposits to total assets | 81.6090% | 4,127 |
| Equity capital to assets | 10.5542% | 1,575 |
| Core capital (leverage) ratio | 10.5097% | 1,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3294% | 1,687 |
| Memoranda: | ||
| Average total assets | $1,420,808,000 | 734 |
| Average earning assets | $1,332,319,500 | 720 |
| Average equity | $149,460,500 | 708 |
| Average total loans | $1,127,829,500 | 592 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1029% | 1,155 |
| Cost of funding earning assets | 0.6607% | 397 |
| Net interest margin | 3.4422% | 1,900 |
| Noninterest income to average assets | 0.2098% | 4,116 |
| Noninterest expense to average assets | 2.2393% | 2,971 |
| Loan and lease loss provision to assets | 0.0211% | 2,648 |
| Net operating income to assets | 0.9526% | 2,857 |
| Return on assets (ROA) | 0.9544% | 2,925 |
| Pretax return on assets | 1.1865% | 2,708 |
| Return on Equity (ROE) | 9.3595% | 2,773 |
| Retained earnings to average equity (ytd only) | 4.7370% | 2,897 |
| Net charge-offs to loans | -0.0164% | 3,910 |
| Credit loss provision to net charge-offs | -163.9344% | 3,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7232% | 2,443 |
| Assets per employee ($millions) | 9.9753% | 673 |
| Cash dividends to net income (ytd only)* | 49.3889% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 1,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 77.3562% | 418 |
| Net loans and leases to deposits | 94.2235% | 378 |
| Net loans and leases to core deposits | 100.7519% | 506 |
| Total domestic deposits to total assets | 82.0986% | 3,950 |
| Equity capital to assets | 10.4848% | 2,192 |
| Core capital (leverage) ratio | 10.3384% | 2,041 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4801% | 1,690 |
| Memoranda: | ||
| Average total assets | $1,423,034,000 | 709 |
| Average earning assets | $1,337,268,400 | 699 |
| Average equity | $145,114,000 | 741 |
| Average total loans | $1,112,490,400 | 596 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 1,314 |
| Cost of funding earning assets | 0.7087% | 366 |
| Net interest margin | 3.3861% | 2,193 |
| Noninterest income to average assets | 0.2159% | 4,105 |
| Noninterest expense to average assets | 2.1994% | 3,068 |
| Loan and lease loss provision to assets | -0.0281% | 4,385 |
| Net operating income to assets | 0.9857% | 2,965 |
| Return on assets (ROA) | 0.9857% | 3,044 |
| Pretax return on assets | 1.2264% | 2,844 |
| Return on Equity (ROE) | 9.7348% | 2,833 |
| Retained earnings to average equity (ytd only) | 5.1572% | 3,158 |
| Net charge-offs to loans | -0.0220% | 4,002 |
| Credit loss provision to net charge-offs | 163.9344% | 1,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4436% | 2,323 |
| Assets per employee ($millions) | 10.9106% | 484 |
| Cash dividends to net income (ytd only)* | 47.0230% | 1,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 2,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 76.4945% | 509 |
| Net loans and leases to deposits | 94.8581% | 382 |
| Net loans and leases to core deposits | 101.6668% | 534 |
| Total domestic deposits to total assets | 80.6409% | 4,140 |
| Equity capital to assets | 10.2435% | 2,660 |
| Core capital (leverage) ratio | 10.1875% | 2,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4989% | 1,796 |
| Memoranda: | ||
| Average total assets | $1,422,175,500 | 721 |
| Average earning assets | $1,336,339,000 | 708 |
| Average equity | $144,001,750 | 756 |
| Average total loans | $1,110,833,500 | 609 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1203% | 1,316 |
| Cost of funding earning assets | 0.7599% | 354 |
| Net interest margin | 3.3604% | 2,272 |
| Noninterest income to average assets | 0.2258% | 4,046 |
| Noninterest expense to average assets | 2.2105% | 3,056 |
| Loan and lease loss provision to assets | -0.0565% | 4,540 |
| Net operating income to assets | 0.9866% | 2,935 |
| Return on assets (ROA) | 0.9866% | 3,024 |
| Pretax return on assets | 1.2288% | 2,834 |
| Return on Equity (ROE) | 9.7825% | 2,837 |
| Retained earnings to average equity (ytd only) | 5.7748% | 2,901 |
| Net charge-offs to loans | -0.0188% | 3,972 |
| Credit loss provision to net charge-offs | 384.6154% | 774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0524% | 2,294 |
| Assets per employee ($millions) | 10.4435% | 532 |
| Cash dividends to net income (ytd only)* | 40.9676% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 2,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,041 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 75.5994% | 627 |
| Net loans and leases to deposits | 93.7434% | 472 |
| Net loans and leases to core deposits | 101.3850% | 614 |
| Total domestic deposits to total assets | 80.6449% | 4,136 |
| Equity capital to assets | 10.1990% | 2,677 |
| Core capital (leverage) ratio | 10.1486% | 2,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7040% | 1,720 |
| Memoranda: | ||
| Average total assets | $1,416,169,333 | 723 |
| Average earning assets | $1,330,444,000 | 706 |
| Average equity | $142,827,000 | 757 |
| Average total loans | $1,108,869,333 | 610 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 1,391 |
| Cost of funding earning assets | 0.8226% | 318 |
| Net interest margin | 3.2742% | 2,469 |
| Noninterest income to average assets | 0.2200% | 4,065 |
| Noninterest expense to average assets | 2.2179% | 3,051 |
| Loan and lease loss provision to assets | 0.0852% | 1,537 |
| Net operating income to assets | 0.8012% | 3,420 |
| Return on assets (ROA) | 0.8012% | 3,490 |
| Pretax return on assets | 0.9931% | 3,391 |
| Return on Equity (ROE) | 7.9898% | 3,324 |
| Retained earnings to average equity (ytd only) | 3.8817% | 3,536 |
| Net charge-offs to loans | -0.0100% | 3,667 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,382 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9854% | 2,086 |
| Assets per employee ($millions) | 10.1422% | 572 |
| Cash dividends to net income (ytd only)* | 51.4174% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3911% | 2,000 |
| Loan loss allowance to noncurrent loans | 761.7690% | 846 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 3,300 |
| Noncurrent loans to loans | 0.1826% | 3,451 |
| Net loans and leases to total assets | 76.8387% | 553 |
| Net loans and leases to deposits | 95.0520% | 436 |
| Net loans and leases to core deposits | 105.1231% | 538 |
| Total domestic deposits to total assets | 80.8385% | 4,093 |
| Equity capital to assets | 9.9608% | 2,737 |
| Core capital (leverage) ratio | 10.1531% | 2,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6155% | 1,699 |
| Memoranda: | ||
| Average total assets | $1,408,877,500 | 717 |
| Average earning assets | $1,323,677,500 | 706 |
| Average equity | $141,279,500 | 755 |
| Average total loans | $1,115,045,000 | 610 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 1,397 |
| Cost of funding earning assets | 1.2219% | 257 |
| Net interest margin | 3.2439% | 3,232 |
| Noninterest income to average assets | 0.2569% | 3,942 |
| Noninterest expense to average assets | 2.2881% | 3,437 |
| Loan and lease loss provision to assets | 0.1388% | 2,623 |
| Net operating income to assets | 0.7092% | 3,407 |
| Return on assets (ROA) | 0.7143% | 3,518 |
| Pretax return on assets | 0.8822% | 3,418 |
| Return on Equity (ROE) | 7.1795% | 3,135 |
| Retained earnings to average equity (ytd only) | 3.5901% | 3,040 |
| Net charge-offs to loans | -0.0050% | 4,128 |
| Credit loss provision to net charge-offs | -3,392.8571% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9589% | 2,103 |
| Assets per employee ($millions) | 9.2514% | 680 |
| Cash dividends to net income (ytd only)* | 49.9949% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 2,148 |
| Loan loss allowance to noncurrent loans | 721.5407% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.1843% | 3,359 |
| Noncurrent loans to loans | 0.1885% | 3,537 |
| Net loans and leases to total assets | 79.3096% | 478 |
| Net loans and leases to deposits | 98.8638% | 421 |
| Net loans and leases to core deposits | 112.3419% | 446 |
| Total domestic deposits to total assets | 80.2211% | 4,012 |
| Equity capital to assets | 10.0968% | 3,035 |
| Core capital (leverage) ratio | 10.2890% | 2,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5712% | 1,664 |
| Memoranda: | ||
| Average total assets | $1,368,847,800 | 668 |
| Average earning assets | $1,285,314,200 | 657 |
| Average equity | $136,180,000 | 738 |
| Average total loans | $1,128,745,000 | 570 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4773% | 1,634 |
| Cost of funding earning assets | 1.3016% | 243 |
| Net interest margin | 3.1758% | 3,552 |
| Noninterest income to average assets | 0.2245% | 4,148 |
| Noninterest expense to average assets | 2.2593% | 3,530 |
| Loan and lease loss provision to assets | 0.1270% | 2,761 |
| Net operating income to assets | 0.6652% | 3,580 |
| Return on assets (ROA) | 0.6720% | 3,666 |
| Pretax return on assets | 0.8285% | 3,572 |
| Return on Equity (ROE) | 6.7801% | 3,281 |
| Retained earnings to average equity (ytd only) | 3.1302% | 3,460 |
| Net charge-offs to loans | -0.0059% | 4,087 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1305% | 1,867 |
| Assets per employee ($millions) | 9.1634% | 664 |
| Cash dividends to net income (ytd only)* | 53.8327% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 2,308 |
| Loan loss allowance to noncurrent loans | 692.7247% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 3,496 |
| Noncurrent loans to loans | 0.1831% | 3,654 |
| Net loans and leases to total assets | 83.0542% | 359 |
| Net loans and leases to deposits | 103.8053% | 393 |
| Net loans and leases to core deposits | 119.4363% | 426 |
| Total domestic deposits to total assets | 80.0096% | 3,866 |
| Equity capital to assets | 10.0368% | 3,194 |
| Core capital (leverage) ratio | 10.0257% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2609% | 1,741 |
| Memoranda: | ||
| Average total assets | $1,364,133,750 | 659 |
| Average earning assets | $1,280,881,500 | 646 |
| Average equity | $135,196,500 | 737 |
| Average total loans | $1,131,992,250 | 560 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5249% | 1,847 |
| Cost of funding earning assets | 1.3876% | 238 |
| Net interest margin | 3.1374% | 3,821 |
| Noninterest income to average assets | 0.2247% | 4,144 |
| Noninterest expense to average assets | 2.2768% | 3,586 |
| Loan and lease loss provision to assets | 0.0880% | 3,180 |
| Net operating income to assets | 0.6519% | 3,573 |
| Return on assets (ROA) | 0.6601% | 3,642 |
| Pretax return on assets | 0.8166% | 3,541 |
| Return on Equity (ROE) | 6.6888% | 3,256 |
| Retained earnings to average equity (ytd only) | 3.0717% | 3,358 |
| Net charge-offs to loans | -0.0032% | 3,896 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4623% | 1,769 |
| Assets per employee ($millions) | 9.7139% | 545 |
| Cash dividends to net income (ytd only)* | 54.0769% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 2,511 |
| Loan loss allowance to noncurrent loans | 631.4925% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1865% | 3,604 |
| Noncurrent loans to loans | 0.1902% | 3,699 |
| Net loans and leases to total assets | 80.2579% | 570 |
| Net loans and leases to deposits | 99.1724% | 598 |
| Net loans and leases to core deposits | 116.3506% | 526 |
| Total domestic deposits to total assets | 80.9277% | 3,625 |
| Equity capital to assets | 9.5336% | 3,634 |
| Core capital (leverage) ratio | 10.0204% | 2,821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9526% | 1,836 |
| Memoranda: | ||
| Average total assets | $1,363,727,000 | 642 |
| Average earning assets | $1,280,814,000 | 624 |
| Average equity | $134,582,667 | 733 |
| Average total loans | $1,126,472,333 | 560 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7403% | 1,585 |
| Cost of funding earning assets | 1.5504% | 220 |
| Net interest margin | 3.1899% | 3,888 |
| Noninterest income to average assets | 0.2110% | 4,284 |
| Noninterest expense to average assets | 2.3785% | 3,584 |
| Loan and lease loss provision to assets | 0.0898% | 2,562 |
| Net operating income to assets | 0.5887% | 3,629 |
| Return on assets (ROA) | 0.5887% | 3,686 |
| Pretax return on assets | 0.7342% | 3,579 |
| Return on Equity (ROE) | 5.8598% | 3,368 |
| Retained earnings to average equity (ytd only) | 1.5402% | 3,589 |
| Net charge-offs to loans | -0.0043% | 3,812 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9346% | 1,827 |
| Assets per employee ($millions) | 8.8145% | 563 |
| Cash dividends to net income (ytd only)* | 73.7163% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 2,538 |
| Loan loss allowance to noncurrent loans | 616.6819% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 3,687 |
| Noncurrent loans to loans | 0.1984% | 3,768 |
| Net loans and leases to total assets | 82.0543% | 431 |
| Net loans and leases to deposits | 106.5072% | 277 |
| Net loans and leases to core deposits | 125.5620% | 338 |
| Total domestic deposits to total assets | 77.0411% | 4,342 |
| Equity capital to assets | 9.9839% | 3,802 |
| Core capital (leverage) ratio | 10.2515% | 3,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6674% | 2,017 |
| Memoranda: | ||
| Average total assets | $1,336,475,000 | 622 |
| Average earning assets | $1,253,340,000 | 610 |
| Average equity | $134,270,000 | 724 |
| Average total loans | $1,113,669,000 | 542 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 1,642 |
| Cost of funding earning assets | 1.7166% | 185 |
| Net interest margin | 3.2213% | 4,143 |
| Noninterest income to average assets | 0.3054% | 3,859 |
| Noninterest expense to average assets | 2.2450% | 4,074 |
| Loan and lease loss provision to assets | -0.0221% | 4,962 |
| Net operating income to assets | 0.8800% | 3,287 |
| Return on assets (ROA) | 0.8893% | 3,339 |
| Pretax return on assets | 1.1138% | 3,124 |
| Return on Equity (ROE) | 8.7332% | 2,863 |
| Retained earnings to average equity (ytd only) | 4.5499% | 2,683 |
| Net charge-offs to loans | -0.0159% | 4,583 |
| Credit loss provision to net charge-offs | 167.2515% | 1,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1737% | 2,588 |
| Assets per employee ($millions) | 8.5476% | 585 |
| Cash dividends to net income (ytd only)* | 47.9019% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,558 |
| Loan loss allowance to noncurrent loans | 13,768.7500% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0410% | 4,434 |
| Noncurrent loans to loans | 0.0086% | 4,557 |
| Net loans and leases to total assets | 82.5997% | 477 |
| Net loans and leases to deposits | 104.6925% | 350 |
| Net loans and leases to core deposits | 132.6727% | 245 |
| Total domestic deposits to total assets | 78.8975% | 4,205 |
| Equity capital to assets | 10.1087% | 3,824 |
| Core capital (leverage) ratio | 10.2733% | 3,215 |
| Tier 1 risk-based capital ratio | 13.1298% | 3,725 |
| Total risk-based capital ratio | 14.3807% | 3,611 |
| Memoranda: | ||
| Average total assets | $1,296,926,400 | 618 |
| Average earning assets | $1,215,763,200 | 602 |
| Average equity | $132,070,200 | 696 |
| Average total loans | $1,076,617,200 | 537 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9542% | 1,668 |
| Cost of funding earning assets | 1.7225% | 180 |
| Net interest margin | 3.2318% | 4,230 |
| Noninterest income to average assets | 0.2790% | 4,080 |
| Noninterest expense to average assets | 2.2242% | 4,138 |
| Loan and lease loss provision to assets | -0.0298% | 5,098 |
| Net operating income to assets | 0.8886% | 3,388 |
| Return on assets (ROA) | 0.8953% | 3,439 |
| Pretax return on assets | 1.1224% | 3,230 |
| Return on Equity (ROE) | 8.7749% | 2,974 |
| Retained earnings to average equity (ytd only) | 4.5780% | 3,115 |
| Net charge-offs to loans | -0.0143% | 4,484 |
| Credit loss provision to net charge-offs | 251.7544% | 1,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8777% | 2,605 |
| Assets per employee ($millions) | 8.6632% | 538 |
| Cash dividends to net income (ytd only)* | 47.8281% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 2,509 |
| Loan loss allowance to noncurrent loans | 9,605.8394% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 4,490 |
| Noncurrent loans to loans | 0.0125% | 4,623 |
| Net loans and leases to total assets | 82.8464% | 477 |
| Net loans and leases to deposits | 103.9365% | 420 |
| Net loans and leases to core deposits | 140.2917% | 182 |
| Total domestic deposits to total assets | 79.7087% | 4,046 |
| Equity capital to assets | 10.2672% | 3,757 |
| Core capital (leverage) ratio | 10.1251% | 3,498 |
| Tier 1 risk-based capital ratio | 13.1407% | 3,769 |
| Total risk-based capital ratio | 14.3918% | 3,678 |
| Memoranda: | ||
| Average total assets | $1,285,666,000 | 622 |
| Average earning assets | $1,205,214,250 | 608 |
| Average equity | $131,173,750 | 701 |
| Average total loans | $1,065,351,500 | 541 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9265% | 1,676 |
| Cost of funding earning assets | 1.6638% | 217 |
| Net interest margin | 3.2627% | 4,216 |
| Noninterest income to average assets | 0.2655% | 4,159 |
| Noninterest expense to average assets | 2.2376% | 4,154 |
| Loan and lease loss provision to assets | -0.0609% | 5,186 |
| Net operating income to assets | 0.9151% | 3,226 |
| Return on assets (ROA) | 0.9141% | 3,290 |
| Pretax return on assets | 1.1446% | 3,096 |
| Return on Equity (ROE) | 8.9788% | 2,867 |
| Retained earnings to average equity (ytd only) | 5.4070% | 2,572 |
| Net charge-offs to loans | -0.0210% | 4,557 |
| Credit loss provision to net charge-offs | 350.4505% | 803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9963% | 2,683 |
| Assets per employee ($millions) | 8.9459% | 474 |
| Cash dividends to net income (ytd only)* | 39.7809% | 2,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2253% | 2,385 |
| Loan loss allowance to noncurrent loans | 8,880.9524% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 4,538 |
| Noncurrent loans to loans | 0.0138% | 4,657 |
| Net loans and leases to total assets | 81.1320% | 710 |
| Net loans and leases to deposits | 100.2713% | 652 |
| Net loans and leases to core deposits | 142.7128% | 176 |
| Total domestic deposits to total assets | 80.9126% | 3,841 |
| Equity capital to assets | 10.2404% | 3,758 |
| Core capital (leverage) ratio | 10.3384% | 3,254 |
| Tier 1 risk-based capital ratio | 13.4628% | 3,601 |
| Total risk-based capital ratio | 14.7144% | 3,499 |
| Memoranda: | ||
| Average total assets | $1,278,175,000 | 625 |
| Average earning assets | $1,197,594,670 | 611 |
| Average equity | $130,128,670 | 699 |
| Average total loans | $1,054,833,330 | 544 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 1,576 |
| Cost of funding earning assets | 1.6032% | 224 |
| Net interest margin | 3.3004% | 4,159 |
| Noninterest income to average assets | 0.2481% | 4,235 |
| Noninterest expense to average assets | 2.3205% | 3,968 |
| Loan and lease loss provision to assets | 0.1277% | 1,367 |
| Net operating income to assets | 0.7060% | 3,914 |
| Return on assets (ROA) | 0.7040% | 3,965 |
| Pretax return on assets | 0.8882% | 3,803 |
| Return on Equity (ROE) | 6.9361% | 3,703 |
| Retained earnings to average equity (ytd only) | 3.1838% | 3,662 |
| Net charge-offs to loans | -0.0232% | 4,554 |
| Credit loss provision to net charge-offs | -663.9344% | 3,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1501% | 2,481 |
| Assets per employee ($millions) | 8.9980% | 481 |
| Cash dividends to net income (ytd only)* | 54.0976% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 2,106 |
| Loan loss allowance to noncurrent loans | 9,078.2895% | 92 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 4,593 |
| Noncurrent loans to loans | 0.0143% | 4,719 |
| Net loans and leases to total assets | 81.6616% | 625 |
| Net loans and leases to deposits | 106.8606% | 297 |
| Net loans and leases to core deposits | 143.3580% | 163 |
| Total domestic deposits to total assets | 76.4188% | 4,714 |
| Equity capital to assets | 10.0678% | 3,756 |
| Core capital (leverage) ratio | 10.2825% | 3,295 |
| Tier 1 risk-based capital ratio | 13.1305% | 3,811 |
| Total risk-based capital ratio | 14.3830% | 3,718 |
| Memoranda: | ||
| Average total assets | $1,268,684,000 | 630 |
| Average earning assets | $1,188,107,000 | 620 |
| Average equity | $128,776,000 | 707 |
| Average total loans | $1,049,517,500 | 552 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8779% | 1,345 |
| Cost of funding earning assets | 1.2983% | 219 |
| Net interest margin | 3.5796% | 3,453 |
| Noninterest income to average assets | 0.2541% | 4,408 |
| Noninterest expense to average assets | 2.3026% | 4,114 |
| Loan and lease loss provision to assets | -0.3230% | 5,366 |
| Net operating income to assets | 1.2959% | 1,823 |
| Return on assets (ROA) | 1.2946% | 1,810 |
| Pretax return on assets | 1.6187% | 1,406 |
| Return on Equity (ROE) | 12.6091% | 1,505 |
| Retained earnings to average equity (ytd only) | 4.3125% | 3,174 |
| Net charge-offs to loans | -0.4426% | 5,337 |
| Credit loss provision to net charge-offs | 88.8242% | 2,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6234% | 3,242 |
| Assets per employee ($millions) | 8.0687% | 646 |
| Cash dividends to net income (ytd only)* | 65.7984% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 2,101 |
| Loan loss allowance to noncurrent loans | 1,775.3662% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 4,333 |
| Noncurrent loans to loans | 0.0726% | 4,428 |
| Net loans and leases to total assets | 81.6494% | 706 |
| Net loans and leases to deposits | 105.6694% | 387 |
| Net loans and leases to core deposits | 137.7559% | 220 |
| Total domestic deposits to total assets | 77.2687% | 4,591 |
| Equity capital to assets | 10.2353% | 3,436 |
| Core capital (leverage) ratio | 10.3662% | 3,180 |
| Tier 1 risk-based capital ratio | 13.4270% | 3,592 |
| Total risk-based capital ratio | 14.6794% | 3,492 |
| Memoranda: | ||
| Average total assets | $1,227,694,200 | 630 |
| Average earning assets | $1,147,519,400 | 620 |
| Average equity | $126,051,600 | 685 |
| Average total loans | $1,008,713,200 | 553 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 1,260 |
| Cost of funding earning assets | 1.2303% | 220 |
| Net interest margin | 3.6343% | 3,257 |
| Noninterest income to average assets | 0.2540% | 4,452 |
| Noninterest expense to average assets | 2.2711% | 4,169 |
| Loan and lease loss provision to assets | -0.4552% | 5,450 |
| Net operating income to assets | 1.4724% | 1,264 |
| Return on assets (ROA) | 1.4706% | 1,272 |
| Pretax return on assets | 1.8306% | 942 |
| Return on Equity (ROE) | 14.3118% | 1,035 |
| Retained earnings to average equity (ytd only) | 4.7975% | 3,349 |
| Net charge-offs to loans | -0.5898% | 5,412 |
| Credit loss provision to net charge-offs | 94.0911% | 2,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9068% | 3,524 |
| Assets per employee ($millions) | 8.1650% | 610 |
| Cash dividends to net income (ytd only)* | 66.4787% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,090 |
| Loan loss allowance to noncurrent loans | 2,700.2062% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 4,577 |
| Noncurrent loans to loans | 0.0482% | 4,679 |
| Net loans and leases to total assets | 80.6052% | 929 |
| Net loans and leases to deposits | 104.9544% | 486 |
| Net loans and leases to core deposits | 135.7549% | 246 |
| Total domestic deposits to total assets | 76.8003% | 4,674 |
| Equity capital to assets | 10.2629% | 3,387 |
| Core capital (leverage) ratio | 10.3743% | 3,207 |
| Tier 1 risk-based capital ratio | 13.5788% | 3,586 |
| Total risk-based capital ratio | 14.8313% | 3,488 |
| Memoranda: | ||
| Average total assets | $1,221,956,000 | 632 |
| Average earning assets | $1,141,348,250 | 623 |
| Average equity | $125,562,500 | 682 |
| Average total loans | $1,002,271,750 | 557 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8758% | 1,070 |
| Cost of funding earning assets | 1.1709% | 205 |
| Net interest margin | 3.7049% | 2,905 |
| Noninterest income to average assets | 0.2379% | 4,589 |
| Noninterest expense to average assets | 2.2760% | 4,201 |
| Loan and lease loss provision to assets | -0.7187% | 5,528 |
| Net operating income to assets | 1.7235% | 692 |
| Return on assets (ROA) | 1.7206% | 698 |
| Pretax return on assets | 2.1353% | 448 |
| Return on Equity (ROE) | 16.7376% | 557 |
| Retained earnings to average equity (ytd only) | 5.1693% | 2,990 |
| Net charge-offs to loans | -0.8538% | 5,482 |
| Credit loss provision to net charge-offs | 102.4813% | 1,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2436% | 3,731 |
| Assets per employee ($millions) | 8.2580% | 570 |
| Cash dividends to net income (ytd only)* | 69.1155% | 1,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,307 |
| Loan loss allowance to noncurrent loans | 7,760.9756% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0529% | 4,764 |
| Noncurrent loans to loans | 0.0164% | 4,870 |
| Net loans and leases to total assets | 80.7973% | 883 |
| Net loans and leases to deposits | 114.4338% | 188 |
| Net loans and leases to core deposits | 142.7034% | 172 |
| Total domestic deposits to total assets | 70.6061% | 5,254 |
| Equity capital to assets | 10.2528% | 3,384 |
| Core capital (leverage) ratio | 10.2162% | 3,348 |
| Tier 1 risk-based capital ratio | 13.2135% | 3,783 |
| Total risk-based capital ratio | 14.4651% | 3,699 |
| Memoranda: | ||
| Average total assets | $1,218,302,670 | 636 |
| Average earning assets | $1,137,212,000 | 626 |
| Average equity | $125,239,000 | 684 |
| Average total loans | $1,000,732,000 | 560 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9651% | 754 |
| Cost of funding earning assets | 1.1127% | 218 |
| Net interest margin | 3.8524% | 2,216 |
| Noninterest income to average assets | 0.2378% | 4,581 |
| Noninterest expense to average assets | 2.2224% | 4,359 |
| Loan and lease loss provision to assets | -1.3052% | 5,603 |
| Net operating income to assets | 2.3181% | 198 |
| Return on assets (ROA) | 2.3181% | 200 |
| Pretax return on assets | 2.9185% | 121 |
| Return on Equity (ROE) | 22.5200% | 148 |
| Retained earnings to average equity (ytd only) | 16.2678% | 231 |
| Net charge-offs to loans | -1.6999% | 5,557 |
| Credit loss provision to net charge-offs | 93.3004% | 1,648 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6132% | 4,399 |
| Assets per employee ($millions) | 8.5623% | 516 |
| Cash dividends to net income (ytd only)* | 27.7628% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 2,208 |
| Loan loss allowance to noncurrent loans | 7,496.5714% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 4,831 |
| Noncurrent loans to loans | 0.0175% | 4,913 |
| Net loans and leases to total assets | 80.8012% | 821 |
| Net loans and leases to deposits | 111.5879% | 217 |
| Net loans and leases to core deposits | 137.3405% | 243 |
| Total domestic deposits to total assets | 72.4104% | 5,257 |
| Equity capital to assets | 10.4039% | 3,166 |
| Core capital (leverage) ratio | 10.4386% | 3,022 |
| Tier 1 risk-based capital ratio | 13.1303% | 3,886 |
| Total risk-based capital ratio | 14.3822% | 3,792 |
| Memoranda: | ||
| Average total assets | $1,216,362,000 | 643 |
| Average earning assets | $1,136,016,500 | 634 |
| Average equity | $125,204,500 | 685 |
| Average total loans | $1,000,988,000 | 560 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,330 |
| Cost of funding earning assets | 0.9749% | 249 |
| Net interest margin | 3.6666% | 2,929 |
| Noninterest income to average assets | 0.2634% | 4,558 |
| Noninterest expense to average assets | 2.3264% | 4,268 |
| Loan and lease loss provision to assets | -0.0287% | 5,349 |
| Net operating income to assets | 0.8731% | 2,848 |
| Return on assets (ROA) | 0.8403% | 3,028 |
| Pretax return on assets | 1.3323% | 2,239 |
| Return on Equity (ROE) | 7.7102% | 2,943 |
| Retained earnings to average equity (ytd only) | 2.7207% | 3,685 |
| Net charge-offs to loans | -0.2598% | 5,549 |
| Credit loss provision to net charge-offs | 13.6481% | 3,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0683% | 3,767 |
| Assets per employee ($millions) | 8.3911% | 555 |
| Cash dividends to net income (ytd only)* | 64.7128% | 1,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 2,297 |
| Loan loss allowance to noncurrent loans | 7,130.0000% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 4,859 |
| Noncurrent loans to loans | 0.0180% | 4,944 |
| Net loans and leases to total assets | 81.6580% | 730 |
| Net loans and leases to deposits | 114.8605% | 165 |
| Net loans and leases to core deposits | 140.6979% | 203 |
| Total domestic deposits to total assets | 71.0932% | 5,356 |
| Equity capital to assets | 10.1814% | 3,510 |
| Core capital (leverage) ratio | 10.1975% | 3,192 |
| Tier 1 risk-based capital ratio | 12.5169% | 4,199 |
| Total risk-based capital ratio | 13.7683% | 4,094 |
| Memoranda: | ||
| Average total assets | $1,108,496,600 | 668 |
| Average earning assets | $1,033,237,200 | 657 |
| Average equity | $120,813,600 | 679 |
| Average total loans | $896,732,200 | 589 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5362% | 1,547 |
| Cost of funding earning assets | 0.9429% | 270 |
| Net interest margin | 3.5933% | 3,178 |
| Noninterest income to average assets | 0.2642% | 4,618 |
| Noninterest expense to average assets | 2.3220% | 4,236 |
| Loan and lease loss provision to assets | 0.1077% | 1,976 |
| Net operating income to assets | 0.8164% | 3,460 |
| Return on assets (ROA) | 0.8252% | 3,447 |
| Pretax return on assets | 1.1969% | 2,921 |
| Return on Equity (ROE) | 7.4347% | 3,424 |
| Retained earnings to average equity (ytd only) | 2.4612% | 4,419 |
| Net charge-offs to loans | -0.0548% | 5,186 |
| Credit loss provision to net charge-offs | -244.4134% | 4,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2514% | 3,493 |
| Assets per employee ($millions) | 8.0095% | 627 |
| Cash dividends to net income (ytd only)* | 66.8953% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 2,464 |
| Loan loss allowance to noncurrent loans | 6,481.1828% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 4,410 |
| Noncurrent loans to loans | 0.0197% | 5,046 |
| Net loans and leases to total assets | 80.0669% | 977 |
| Net loans and leases to deposits | 111.1913% | 246 |
| Net loans and leases to core deposits | 138.0263% | 229 |
| Total domestic deposits to total assets | 72.0082% | 5,377 |
| Equity capital to assets | 10.4902% | 3,387 |
| Core capital (leverage) ratio | 10.8035% | 2,642 |
| Tier 1 risk-based capital ratio | 12.9379% | 4,056 |
| Total risk-based capital ratio | 14.1891% | 3,963 |
| Memoranda: | ||
| Average total assets | $1,083,542,250 | 687 |
| Average earning assets | $1,010,079,250 | 673 |
| Average equity | $120,261,250 | 685 |
| Average total loans | $871,035,500 | 603 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5364% | 1,421 |
| Cost of funding earning assets | 0.9134% | 280 |
| Net interest margin | 3.6229% | 2,939 |
| Noninterest income to average assets | 0.2562% | 4,698 |
| Noninterest expense to average assets | 2.3192% | 4,293 |
| Loan and lease loss provision to assets | 0.0703% | 2,566 |
| Net operating income to assets | 0.8718% | 3,062 |
| Return on assets (ROA) | 0.8792% | 3,078 |
| Pretax return on assets | 1.2555% | 2,552 |
| Return on Equity (ROE) | 7.7653% | 3,159 |
| Retained earnings to average equity (ytd only) | 2.9464% | 3,963 |
| Net charge-offs to loans | -0.0078% | 4,454 |
| Credit loss provision to net charge-offs | -1,127.2727% | 4,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8119% | 3,701 |
| Assets per employee ($millions) | 8.4327% | 521 |
| Cash dividends to net income (ytd only)* | 62.0564% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 2,471 |
| Loan loss allowance to noncurrent loans | 1,925.7290% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 4,258 |
| Noncurrent loans to loans | 0.0669% | 4,856 |
| Net loans and leases to total assets | 79.6462% | 1,000 |
| Net loans and leases to deposits | 113.2496% | 206 |
| Net loans and leases to core deposits | 144.0133% | 159 |
| Total domestic deposits to total assets | 70.3280% | 5,525 |
| Equity capital to assets | 11.2118% | 2,577 |
| Core capital (leverage) ratio | 11.4578% | 1,999 |
| Tier 1 risk-based capital ratio | 13.9476% | 3,452 |
| Total risk-based capital ratio | 15.1986% | 3,371 |
| Memoranda: | ||
| Average total assets | $1,057,595,670 | 707 |
| Average earning assets | $986,165,000 | 694 |
| Average equity | $119,738,000 | 692 |
| Average total loans | $847,401,670 | 620 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4904% | 1,397 |
| Cost of funding earning assets | 0.8787% | 319 |
| Net interest margin | 3.6117% | 2,845 |
| Noninterest income to average assets | 0.2423% | 4,798 |
| Noninterest expense to average assets | 2.2012% | 4,639 |
| Loan and lease loss provision to assets | 0.1078% | 1,772 |
| Net operating income to assets | 0.9611% | 2,474 |
| Return on assets (ROA) | 0.9611% | 2,531 |
| Pretax return on assets | 1.3043% | 2,220 |
| Return on Equity (ROE) | 8.4468% | 2,700 |
| Retained earnings to average equity (ytd only) | 2.9791% | 3,918 |
| Net charge-offs to loans | -0.0029% | 4,054 |
| Credit loss provision to net charge-offs | -4,700.0000% | 4,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9201% | 4,329 |
| Assets per employee ($millions) | 8.8196% | 452 |
| Cash dividends to net income (ytd only)* | 64.7316% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3103% | 2,487 |
| Loan loss allowance to noncurrent loans | 1,845.5150% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 4,120 |
| Noncurrent loans to loans | 0.0710% | 4,917 |
| Net loans and leases to total assets | 79.0626% | 972 |
| Net loans and leases to deposits | 110.2631% | 211 |
| Net loans and leases to core deposits | 140.3825% | 164 |
| Total domestic deposits to total assets | 71.7036% | 5,556 |
| Equity capital to assets | 11.3242% | 2,328 |
| Core capital (leverage) ratio | 11.5685% | 1,902 |
| Tier 1 risk-based capital ratio | 14.3876% | 3,268 |
| Total risk-based capital ratio | 15.6390% | 3,189 |
| Memoranda: | ||
| Average total assets | $1,046,703,000 | 715 |
| Average earning assets | $976,931,000 | 701 |
| Average equity | $119,098,000 | 692 |
| Average total loans | $835,646,000 | 628 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4626% | 1,648 |
| Cost of funding earning assets | 0.8116% | 473 |
| Net interest margin | 3.6509% | 2,884 |
| Noninterest income to average assets | 0.2644% | 4,836 |
| Noninterest expense to average assets | 2.1217% | 4,964 |
| Loan and lease loss provision to assets | 0.1350% | 1,851 |
| Net operating income to assets | 0.9847% | 2,416 |
| Return on assets (ROA) | 0.9881% | 2,504 |
| Pretax return on assets | 1.4227% | 1,850 |
| Return on Equity (ROE) | 8.5605% | 2,638 |
| Retained earnings to average equity (ytd only) | 4.7446% | 2,518 |
| Net charge-offs to loans | -0.0243% | 5,177 |
| Credit loss provision to net charge-offs | -720.2128% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7415% | 4,883 |
| Assets per employee ($millions) | 8.6255% | 484 |
| Cash dividends to net income (ytd only)* | 44.5756% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 2,467 |
| Loan loss allowance to noncurrent loans | 1,261.3054% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 4,041 |
| Noncurrent loans to loans | 0.1042% | 4,816 |
| Net loans and leases to total assets | 78.5079% | 1,125 |
| Net loans and leases to deposits | 110.1820% | 225 |
| Net loans and leases to core deposits | 141.1514% | 159 |
| Total domestic deposits to total assets | 71.2529% | 5,603 |
| Equity capital to assets | 11.4338% | 2,223 |
| Core capital (leverage) ratio | 11.1703% | 2,193 |
| Tier 1 risk-based capital ratio | 14.3592% | 3,251 |
| Total risk-based capital ratio | 15.6104% | 3,184 |
| Memoranda: | ||
| Average total assets | $1,002,800,600 | 722 |
| Average earning assets | $936,636,800 | 703 |
| Average equity | $115,752,400 | 694 |
| Average total loans | $772,823,200 | 649 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3296% | 2,080 |
| Cost of funding earning assets | 0.7875% | 541 |
| Net interest margin | 3.5420% | 3,308 |
| Noninterest income to average assets | 0.2657% | 4,873 |
| Noninterest expense to average assets | 2.1056% | 5,001 |
| Loan and lease loss provision to assets | 0.1937% | 1,114 |
| Net operating income to assets | 0.8888% | 2,962 |
| Return on assets (ROA) | 0.8919% | 3,078 |
| Pretax return on assets | 1.2786% | 2,509 |
| Return on Equity (ROE) | 7.7076% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.2268% | 3,317 |
| Net charge-offs to loans | -0.0251% | 5,090 |
| Credit loss provision to net charge-offs | -1,010.4895% | 5,220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9235% | 4,697 |
| Assets per employee ($millions) | 9.0817% | 395 |
| Cash dividends to net income (ytd only)* | 45.1608% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 2,829 |
| Loan loss allowance to noncurrent loans | 1,013.8060% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 4,139 |
| Noncurrent loans to loans | 0.1255% | 4,840 |
| Net loans and leases to total assets | 78.6858% | 1,085 |
| Net loans and leases to deposits | 116.3322% | 154 |
| Net loans and leases to core deposits | 150.5991% | 121 |
| Total domestic deposits to total assets | 67.6389% | 5,775 |
| Equity capital to assets | 10.9796% | 3,029 |
| Core capital (leverage) ratio | 11.3709% | 2,137 |
| Tier 1 risk-based capital ratio | 13.1295% | 4,083 |
| Total risk-based capital ratio | 14.3796% | 3,987 |
| Memoranda: | ||
| Average total assets | $994,737,250 | 733 |
| Average earning assets | $928,938,000 | 711 |
| Average equity | $115,104,000 | 698 |
| Average total loans | $760,173,750 | 660 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 2,205 |
| Cost of funding earning assets | 0.7863% | 528 |
| Net interest margin | 3.4974% | 3,500 |
| Noninterest income to average assets | 0.2464% | 5,008 |
| Noninterest expense to average assets | 2.2231% | 4,796 |
| Loan and lease loss provision to assets | 0.1044% | 2,109 |
| Net operating income to assets | 0.7902% | 3,356 |
| Return on assets (ROA) | 0.7902% | 3,497 |
| Pretax return on assets | 1.1813% | 2,855 |
| Return on Equity (ROE) | 6.7028% | 3,698 |
| Retained earnings to average equity (ytd only) | 2.9934% | 4,009 |
| Net charge-offs to loans | -0.0466% | 5,337 |
| Credit loss provision to net charge-offs | -297.6471% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3573% | 4,128 |
| Assets per employee ($millions) | 8.4387% | 492 |
| Cash dividends to net income (ytd only)* | 55.3408% | 1,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2883% | 2,857 |
| Loan loss allowance to noncurrent loans | 920.1479% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.3427% | 4,117 |
| Noncurrent loans to loans | 0.1400% | 4,870 |
| Net loans and leases to total assets | 76.6062% | 1,398 |
| Net loans and leases to deposits | 107.3149% | 321 |
| Net loans and leases to core deposits | 133.7125% | 257 |
| Total domestic deposits to total assets | 71.3846% | 5,706 |
| Equity capital to assets | 11.6395% | 2,412 |
| Core capital (leverage) ratio | 12.0175% | 1,617 |
| Tier 1 risk-based capital ratio | 14.4223% | 3,363 |
| Total risk-based capital ratio | 15.6736% | 3,295 |
| Memoranda: | ||
| Average total assets | $969,103,670 | 749 |
| Average earning assets | $903,984,000 | 736 |
| Average equity | $114,251,330 | 705 |
| Average total loans | $728,866,670 | 688 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2707% | 2,237 |
| Cost of funding earning assets | 0.8136% | 453 |
| Net interest margin | 3.4570% | 3,634 |
| Noninterest income to average assets | 0.1708% | 5,469 |
| Noninterest expense to average assets | 2.1867% | 4,931 |
| Loan and lease loss provision to assets | -0.0385% | 5,934 |
| Net operating income to assets | 0.8617% | 2,938 |
| Return on assets (ROA) | 0.8617% | 3,049 |
| Pretax return on assets | 1.2447% | 2,529 |
| Return on Equity (ROE) | 7.2612% | 3,311 |
| Retained earnings to average equity (ytd only) | 3.4207% | 3,795 |
| Net charge-offs to loans | -0.0611% | 5,429 |
| Credit loss provision to net charge-offs | 85.1852% | 1,803 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4505% | 4,050 |
| Assets per employee ($millions) | 8.1349% | 534 |
| Cash dividends to net income (ytd only)* | 52.8898% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2852% | 2,981 |
| Loan loss allowance to noncurrent loans | 883.6502% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,689 |
| Noncurrent loans to loans | 0.1454% | 4,894 |
| Net loans and leases to total assets | 76.3208% | 1,340 |
| Net loans and leases to deposits | 98.7886% | 704 |
| Net loans and leases to core deposits | 121.9596% | 417 |
| Total domestic deposits to total assets | 77.2567% | 5,257 |
| Equity capital to assets | 12.2337% | 1,870 |
| Core capital (leverage) ratio | 11.8054% | 1,742 |
| Tier 1 risk-based capital ratio | 15.5507% | 2,890 |
| Total risk-based capital ratio | 16.8022% | 2,823 |
| Memoranda: | ||
| Average total assets | $955,770,500 | 758 |
| Average earning assets | $890,824,000 | 744 |
| Average equity | $113,425,500 | 704 |
| Average total loans | $706,911,000 | 701 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 2,798 |
| Cost of funding earning assets | 0.7707% | 573 |
| Net interest margin | 3.3618% | 4,066 |
| Noninterest income to average assets | 0.2521% | 5,084 |
| Noninterest expense to average assets | 2.0575% | 5,336 |
| Loan and lease loss provision to assets | -0.2276% | 6,016 |
| Net operating income to assets | 1.0109% | 2,305 |
| Return on assets (ROA) | 1.0170% | 2,350 |
| Pretax return on assets | 1.5827% | 1,301 |
| Return on Equity (ROE) | 8.7842% | 2,570 |
| Retained earnings to average equity (ytd only) | 4.0026% | 3,177 |
| Net charge-offs to loans | -0.1764% | 5,935 |
| Credit loss provision to net charge-offs | 182.1459% | 1,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4630% | 4,848 |
| Assets per employee ($millions) | 9.1218% | 369 |
| Cash dividends to net income (ytd only)* | 54.4340% | 2,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 2,692 |
| Loan loss allowance to noncurrent loans | 856.0886% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.4864% | 3,687 |
| Noncurrent loans to loans | 0.1570% | 4,864 |
| Net loans and leases to total assets | 69.7987% | 2,398 |
| Net loans and leases to deposits | 93.3894% | 1,265 |
| Net loans and leases to core deposits | 115.1544% | 632 |
| Total domestic deposits to total assets | 74.7395% | 5,579 |
| Equity capital to assets | 11.5164% | 2,342 |
| Core capital (leverage) ratio | 11.6134% | 1,882 |
| Tier 1 risk-based capital ratio | 16.3627% | 2,543 |
| Total risk-based capital ratio | 17.6158% | 2,500 |
| Memoranda: | ||
| Average total assets | $954,641,200 | 722 |
| Average earning assets | $894,733,600 | 703 |
| Average equity | $110,527,400 | 693 |
| Average total loans | $676,309,200 | 697 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 2,828 |
| Cost of funding earning assets | 0.7622% | 613 |
| Net interest margin | 3.3634% | 4,095 |
| Noninterest income to average assets | 0.2687% | 5,013 |
| Noninterest expense to average assets | 2.0382% | 5,404 |
| Loan and lease loss provision to assets | -0.1799% | 6,083 |
| Net operating income to assets | 1.0495% | 2,218 |
| Return on assets (ROA) | 1.0575% | 2,280 |
| Pretax return on assets | 1.5781% | 1,449 |
| Return on Equity (ROE) | 9.1210% | 2,510 |
| Retained earnings to average equity (ytd only) | 4.3273% | 3,392 |
| Net charge-offs to loans | -0.1932% | 5,982 |
| Credit loss provision to net charge-offs | 131.3846% | 1,864 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5193% | 4,943 |
| Assets per employee ($millions) | 9.1450% | 355 |
| Cash dividends to net income (ytd only)* | 52.5568% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4618% | 2,320 |
| Loan loss allowance to noncurrent loans | 410.1360% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6808% | 3,210 |
| Noncurrent loans to loans | 0.3564% | 4,334 |
| Net loans and leases to total assets | 68.5735% | 2,595 |
| Net loans and leases to deposits | 92.6929% | 1,340 |
| Net loans and leases to core deposits | 114.8211% | 641 |
| Total domestic deposits to total assets | 73.9792% | 5,714 |
| Equity capital to assets | 11.4493% | 2,543 |
| Core capital (leverage) ratio | 11.7440% | 1,863 |
| Tier 1 risk-based capital ratio | 16.5713% | 2,539 |
| Total risk-based capital ratio | 17.8253% | 2,493 |
| Memoranda: | ||
| Average total assets | $949,293,500 | 732 |
| Average earning assets | $890,711,750 | 714 |
| Average equity | $110,058,250 | 698 |
| Average total loans | $672,752,000 | 697 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1349% | 2,776 |
| Cost of funding earning assets | 0.7615% | 609 |
| Net interest margin | 3.3735% | 3,994 |
| Noninterest income to average assets | 0.2897% | 4,891 |
| Noninterest expense to average assets | 1.9886% | 5,549 |
| Loan and lease loss provision to assets | -0.1154% | 6,100 |
| Net operating income to assets | 1.0373% | 2,189 |
| Return on assets (ROA) | 1.0373% | 2,309 |
| Pretax return on assets | 1.5869% | 1,370 |
| Return on Equity (ROE) | 8.9086% | 2,599 |
| Retained earnings to average equity (ytd only) | 3.9104% | 3,514 |
| Net charge-offs to loans | -0.2125% | 6,040 |
| Credit loss provision to net charge-offs | 76.1236% | 2,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4715% | 5,284 |
| Assets per employee ($millions) | 8.8575% | 393 |
| Cash dividends to net income (ytd only)* | 56.1051% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 2,029 |
| Loan loss allowance to noncurrent loans | 431.8841% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7276% | 3,196 |
| Noncurrent loans to loans | 0.3627% | 4,411 |
| Net loans and leases to total assets | 69.7977% | 2,341 |
| Net loans and leases to deposits | 95.5094% | 1,003 |
| Net loans and leases to core deposits | 119.8786% | 470 |
| Total domestic deposits to total assets | 73.0795% | 5,860 |
| Equity capital to assets | 11.7585% | 2,194 |
| Core capital (leverage) ratio | 11.6963% | 1,842 |
| Tier 1 risk-based capital ratio | 17.2629% | 2,298 |
| Total risk-based capital ratio | 18.5195% | 2,257 |
| Memoranda: | ||
| Average total assets | $939,553,330 | 741 |
| Average earning assets | $883,010,000 | 726 |
| Average equity | $109,400,000 | 703 |
| Average total loans | $670,017,670 | 697 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0979% | 2,840 |
| Cost of funding earning assets | 0.7525% | 645 |
| Net interest margin | 3.3453% | 4,043 |
| Noninterest income to average assets | 0.3724% | 4,228 |
| Noninterest expense to average assets | 1.9849% | 5,609 |
| Loan and lease loss provision to assets | -0.0515% | 6,162 |
| Net operating income to assets | 1.0329% | 2,105 |
| Return on assets (ROA) | 1.0329% | 2,259 |
| Pretax return on assets | 1.5985% | 1,270 |
| Return on Equity (ROE) | 8.9146% | 2,486 |
| Retained earnings to average equity (ytd only) | 3.3315% | 3,982 |
| Net charge-offs to loans | -0.0696% | 5,693 |
| Credit loss provision to net charge-offs | 103.4188% | 1,573 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1995% | 5,498 |
| Assets per employee ($millions) | 9.5835% | 292 |
| Cash dividends to net income (ytd only)* | 62.6288% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5204% | 2,366 |
| Loan loss allowance to noncurrent loans | 384.6962% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.8686% | 2,907 |
| Noncurrent loans to loans | 0.3952% | 4,406 |
| Net loans and leases to total assets | 70.0175% | 2,141 |
| Net loans and leases to deposits | 95.2107% | 889 |
| Net loans and leases to core deposits | 120.0447% | 414 |
| Total domestic deposits to total assets | 73.5396% | 5,939 |
| Equity capital to assets | 11.5476% | 2,424 |
| Core capital (leverage) ratio | 11.6426% | 1,896 |
| Tier 1 risk-based capital ratio | 17.3346% | 2,369 |
| Total risk-based capital ratio | 18.5900% | 2,320 |
| Memoranda: | ||
| Average total assets | $939,880,000 | 741 |
| Average earning assets | $887,681,000 | 716 |
| Average equity | $108,899,500 | 705 |
| Average total loans | $672,146,000 | 692 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 1,806 |
| Cost of funding earning assets | 0.7368% | 911 |
| Net interest margin | 3.7776% | 2,701 |
| Noninterest income to average assets | 0.1226% | 6,076 |
| Noninterest expense to average assets | 1.9236% | 5,900 |
| Loan and lease loss provision to assets | -0.2192% | 6,305 |
| Net operating income to assets | 1.2582% | 1,409 |
| Return on assets (ROA) | 1.2568% | 1,471 |
| Pretax return on assets | 1.9550% | 557 |
| Return on Equity (ROE) | 7.3330% | 3,452 |
| Retained earnings to average equity (ytd only) | -37.6274% | 6,471 |
| Net charge-offs to loans | 0.0561% | 3,711 |
| Credit loss provision to net charge-offs | -522.5722% | 5,798 |
| Earnings coverage of net charge-offs (x) | 41.4409% | 1,051 |
| Efficiency ratio | 52.5343% | 5,948 |
| Assets per employee ($millions) | 9.3100% | 304 |
| Cash dividends to net income (ytd only)* | 613.1208% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 2,335 |
| Loan loss allowance to noncurrent loans | 772.5904% | 754 |
| Noncurrent assets plus other real estate owned to assets | 1.1397% | 2,480 |
| Noncurrent loans to loans | 0.1983% | 5,110 |
| Net loans and leases to total assets | 70.8354% | 2,103 |
| Net loans and leases to deposits | 96.7349% | 849 |
| Net loans and leases to core deposits | 120.3323% | 402 |
| Total domestic deposits to total assets | 73.2263% | 6,000 |
| Equity capital to assets | 11.6262% | 2,321 |
| Core capital (leverage) ratio | 11.7883% | 1,771 |
| Tier 1 risk-based capital ratio | 18.3019% | 2,056 |
| Total risk-based capital ratio | 19.5586% | 2,013 |
| Memoranda: | ||
| Average total assets | $908,447,200 | 733 |
| Average earning assets | $851,062,800 | 717 |
| Average equity | $155,692,400 | 490 |
| Average total loans | $678,559,200 | 639 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5598% | 1,673 |
| Cost of funding earning assets | 0.7335% | 973 |
| Net interest margin | 3.8264% | 2,521 |
| Noninterest income to average assets | 0.1047% | 6,234 |
| Noninterest expense to average assets | 1.8964% | 5,955 |
| Loan and lease loss provision to assets | -0.1382% | 6,337 |
| Net operating income to assets | 1.2390% | 1,556 |
| Return on assets (ROA) | 1.2371% | 1,620 |
| Pretax return on assets | 1.9221% | 682 |
| Return on Equity (ROE) | 6.6659% | 3,869 |
| Retained earnings to average equity (ytd only) | 2.9060% | 4,528 |
| Net charge-offs to loans | 0.0807% | 3,044 |
| Credit loss provision to net charge-offs | -227.1845% | 5,591 |
| Earnings coverage of net charge-offs (x) | 29.3665% | 1,388 |
| Efficiency ratio | 51.4876% | 6,026 |
| Assets per employee ($millions) | 9.3741% | 289 |
| Cash dividends to net income (ytd only)* | 56.4044% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 2,190 |
| Loan loss allowance to noncurrent loans | 717.8117% | 736 |
| Noncurrent assets plus other real estate owned to assets | 1.2527% | 2,452 |
| Noncurrent loans to loans | 0.2275% | 5,214 |
| Net loans and leases to total assets | 74.7551% | 1,404 |
| Net loans and leases to deposits | 113.8482% | 156 |
| Net loans and leases to core deposits | 139.5827% | 154 |
| Total domestic deposits to total assets | 65.6621% | 6,411 |
| Equity capital to assets | 18.6968% | 289 |
| Core capital (leverage) ratio | 18.9784% | 254 |
| Tier 1 risk-based capital ratio | 27.9255% | 648 |
| Total risk-based capital ratio | 29.1836% | 631 |
| Memoranda: | ||
| Average total assets | $902,810,250 | 742 |
| Average earning assets | $844,334,250 | 726 |
| Average equity | $167,555,750 | 467 |
| Average total loans | $680,765,500 | 633 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5676% | 1,618 |
| Cost of funding earning assets | 0.7435% | 949 |
| Net interest margin | 3.8242% | 2,469 |
| Noninterest income to average assets | 0.0719% | 6,371 |
| Noninterest expense to average assets | 1.8949% | 6,004 |
| Loan and lease loss provision to assets | -0.1776% | 6,448 |
| Net operating income to assets | 1.2393% | 1,479 |
| Return on assets (ROA) | 1.2364% | 1,551 |
| Pretax return on assets | 1.9208% | 655 |
| Return on Equity (ROE) | 6.6787% | 3,788 |
| Retained earnings to average equity (ytd only) | 2.5681% | 4,570 |
| Net charge-offs to loans | 0.1240% | 2,432 |
| Credit loss provision to net charge-offs | -190.4762% | 5,384 |
| Earnings coverage of net charge-offs (x) | 18.7381% | 1,664 |
| Efficiency ratio | 52.0210% | 6,063 |
| Assets per employee ($millions) | 9.4945% | 278 |
| Cash dividends to net income (ytd only)* | 61.5481% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 2,228 |
| Loan loss allowance to noncurrent loans | 495.9583% | 936 |
| Noncurrent assets plus other real estate owned to assets | 1.3753% | 2,375 |
| Noncurrent loans to loans | 0.3368% | 5,007 |
| Net loans and leases to total assets | 75.2762% | 1,271 |
| Net loans and leases to deposits | 115.3424% | 127 |
| Net loans and leases to core deposits | 134.1756% | 184 |
| Total domestic deposits to total assets | 65.2632% | 6,493 |
| Equity capital to assets | 18.8923% | 269 |
| Core capital (leverage) ratio | 18.9091% | 247 |
| Tier 1 risk-based capital ratio | 28.0482% | 644 |
| Total risk-based capital ratio | 29.3070% | 631 |
| Memoranda: | ||
| Average total assets | $900,650,670 | 743 |
| Average earning assets | $840,917,330 | 728 |
| Average equity | $166,738,330 | 466 |
| Average total loans | $677,346,000 | 633 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5431% | 1,666 |
| Cost of funding earning assets | 0.7604% | 924 |
| Net interest margin | 3.7827% | 2,540 |
| Noninterest income to average assets | 0.0274% | 6,546 |
| Noninterest expense to average assets | 1.8122% | 6,208 |
| Loan and lease loss provision to assets | -0.3042% | 6,617 |
| Net operating income to assets | 1.3131% | 1,182 |
| Return on assets (ROA) | 1.3131% | 1,225 |
| Pretax return on assets | 2.0448% | 483 |
| Return on Equity (ROE) | 7.1652% | 3,377 |
| Retained earnings to average equity (ytd only) | 2.4801% | 4,587 |
| Net charge-offs to loans | 0.2378% | 1,365 |
| Credit loss provision to net charge-offs | -171.5711% | 4,940 |
| Earnings coverage of net charge-offs (x) | 9.8180% | 1,909 |
| Efficiency ratio | 51.0080% | 6,192 |
| Assets per employee ($millions) | 9.6256% | 264 |
| Cash dividends to net income (ytd only)* | 65.3872% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 2,346 |
| Loan loss allowance to noncurrent loans | 482.9707% | 971 |
| Noncurrent assets plus other real estate owned to assets | 1.5638% | 2,257 |
| Noncurrent loans to loans | 0.3522% | 5,060 |
| Net loans and leases to total assets | 74.5137% | 1,189 |
| Net loans and leases to deposits | 110.4126% | 147 |
| Net loans and leases to core deposits | 129.2574% | 194 |
| Total domestic deposits to total assets | 67.4866% | 6,528 |
| Equity capital to assets | 18.6148% | 278 |
| Core capital (leverage) ratio | 18.6063% | 269 |
| Tier 1 risk-based capital ratio | 26.9803% | 712 |
| Total risk-based capital ratio | 28.2382% | 702 |
| Memoranda: | ||
| Average total assets | $904,734,000 | 750 |
| Average earning assets | $843,215,000 | 729 |
| Average equity | $165,802,000 | 467 |
| Average total loans | $674,399,000 | 638 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5444% | 2,050 |
| Cost of funding earning assets | 0.8999% | 737 |
| Net interest margin | 3.6445% | 3,266 |
| Noninterest income to average assets | 0.2127% | 5,811 |
| Noninterest expense to average assets | 2.2301% | 5,553 |
| Loan and lease loss provision to assets | -0.0212% | 6,302 |
| Net operating income to assets | 2.8069% | 126 |
| Return on assets (ROA) | 2.8027% | 127 |
| Pretax return on assets | 1.3961% | 1,790 |
| Return on Equity (ROE) | 15.7641% | 648 |
| Retained earnings to average equity (ytd only) | 9.0941% | 758 |
| Net charge-offs to loans | -0.0934% | 6,464 |
| Credit loss provision to net charge-offs | 31.0065% | 4,232 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7892% | 5,245 |
| Assets per employee ($millions) | 10.0471% | 226 |
| Cash dividends to net income (ytd only)* | 42.3112% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8847% | 1,815 |
| Loan loss allowance to noncurrent loans | 328.1891% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 1.6750% | 2,204 |
| Noncurrent loans to loans | 0.5743% | 4,547 |
| Net loans and leases to total assets | 71.9239% | 1,693 |
| Net loans and leases to deposits | 105.1372% | 293 |
| Net loans and leases to core deposits | 122.7283% | 294 |
| Total domestic deposits to total assets | 68.4096% | 6,573 |
| Equity capital to assets | 18.0433% | 319 |
| Core capital (leverage) ratio | 18.6043% | 267 |
| Tier 1 risk-based capital ratio | 27.1824% | 662 |
| Total risk-based capital ratio | 28.4429% | 650 |
| Memoranda: | ||
| Average total assets | $900,951,400 | 732 |
| Average earning assets | $839,658,000 | 713 |
| Average equity | $160,180,800 | 470 |
| Average total loans | $659,541,600 | 641 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 2,088 |
| Cost of funding earning assets | 0.9333% | 690 |
| Net interest margin | 3.6044% | 3,425 |
| Noninterest income to average assets | 0.2455% | 5,681 |
| Noninterest expense to average assets | 2.3586% | 5,159 |
| Loan and lease loss provision to assets | 0.0003% | 4,940 |
| Net operating income to assets | 3.1795% | 93 |
| Return on assets (ROA) | 3.1738% | 94 |
| Pretax return on assets | 1.2407% | 2,548 |
| Return on Equity (ROE) | 17.9192% | 449 |
| Retained earnings to average equity (ytd only) | 10.2339% | 739 |
| Net charge-offs to loans | 0.0621% | 4,014 |
| Credit loss provision to net charge-offs | 0.6536% | 4,334 |
| Earnings coverage of net charge-offs (x) | 27.4281% | 1,312 |
| Efficiency ratio | 65.4211% | 4,587 |
| Assets per employee ($millions) | 9.3993% | 276 |
| Cash dividends to net income (ytd only)* | 42.8886% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,279 |
| Loan loss allowance to noncurrent loans | 128.1822% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 2.4771% | 1,557 |
| Noncurrent loans to loans | 1.4106% | 3,055 |
| Net loans and leases to total assets | 73.1603% | 1,420 |
| Net loans and leases to deposits | 101.8371% | 391 |
| Net loans and leases to core deposits | 120.4193% | 314 |
| Total domestic deposits to total assets | 71.8405% | 6,506 |
| Equity capital to assets | 18.4507% | 297 |
| Core capital (leverage) ratio | 18.5110% | 262 |
| Tier 1 risk-based capital ratio | 26.8849% | 714 |
| Total risk-based capital ratio | 28.1440% | 702 |
| Memoranda: | ||
| Average total assets | $897,616,750 | 737 |
| Average earning assets | $836,708,000 | 719 |
| Average equity | $158,984,000 | 478 |
| Average total loans | $656,870,750 | 641 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 2,175 |
| Cost of funding earning assets | 0.9594% | 678 |
| Net interest margin | 3.5475% | 3,573 |
| Noninterest income to average assets | 0.2815% | 5,434 |
| Noninterest expense to average assets | 2.4395% | 4,932 |
| Loan and lease loss provision to assets | 0.0253% | 4,412 |
| Net operating income to assets | 4.0622% | 58 |
| Return on assets (ROA) | 4.0625% | 63 |
| Pretax return on assets | 1.1346% | 2,952 |
| Return on Equity (ROE) | 23.2531% | 168 |
| Retained earnings to average equity (ytd only) | 22.0465% | 66 |
| Net charge-offs to loans | 0.1002% | 3,360 |
| Credit loss provision to net charge-offs | 34.6505% | 3,508 |
| Earnings coverage of net charge-offs (x) | 15.9027% | 1,697 |
| Efficiency ratio | 67.7793% | 4,224 |
| Assets per employee ($millions) | 8.7656% | 339 |
| Cash dividends to net income (ytd only)* | 5.1888% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,373 |
| Loan loss allowance to noncurrent loans | 82.4306% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 3.2183% | 1,230 |
| Noncurrent loans to loans | 2.2062% | 2,170 |
| Net loans and leases to total assets | 72.4100% | 1,505 |
| Net loans and leases to deposits | 100.8220% | 385 |
| Net loans and leases to core deposits | 119.5874% | 324 |
| Total domestic deposits to total assets | 71.8196% | 6,569 |
| Equity capital to assets | 18.7762% | 268 |
| Core capital (leverage) ratio | 19.2401% | 225 |
| Tier 1 risk-based capital ratio | 27.9893% | 627 |
| Total risk-based capital ratio | 29.2491% | 619 |
| Memoranda: | ||
| Average total assets | $902,311,670 | 733 |
| Average earning assets | $843,869,000 | 711 |
| Average equity | $157,639,330 | 478 |
| Average total loans | $656,395,000 | 641 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4294% | 2,429 |
| Cost of funding earning assets | 1.0147% | 567 |
| Net interest margin | 3.4147% | 4,066 |
| Noninterest income to average assets | 0.3032% | 5,272 |
| Noninterest expense to average assets | 2.6460% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8393% | 2,951 |
| Return on assets (ROA) | 0.8393% | 3,094 |
| Pretax return on assets | 0.8663% | 3,891 |
| Return on Equity (ROE) | 4.9882% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.9882% | 3,242 |
| Net charge-offs to loans | 0.3298% | 1,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.6352% | 2,717 |
| Efficiency ratio | 75.3361% | 3,037 |
| Assets per employee ($millions) | 8.4482% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7834% | 2,678 |
| Loan loss allowance to noncurrent loans | 61.5510% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 4.0137% | 991 |
| Noncurrent loans to loans | 2.8974% | 1,740 |
| Net loans and leases to total assets | 73.1298% | 1,187 |
| Net loans and leases to deposits | 94.8196% | 620 |
| Net loans and leases to core deposits | 112.4722% | 428 |
| Total domestic deposits to total assets | 77.1252% | 6,242 |
| Equity capital to assets | 17.5595% | 365 |
| Core capital (leverage) ratio | 17.4631% | 318 |
| Tier 1 risk-based capital ratio | 26.5620% | 740 |
| Total risk-based capital ratio | 27.8218% | 729 |
| Memoranda: | ||
| Average total assets | $906,424,000 | 733 |
| Average earning assets | $851,849,000 | 708 |
| Average equity | $152,521,000 | 492 |
| Average total loans | $654,892,500 | 639 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3939% | 3,831 |
| Cost of funding earning assets | 1.3204% | 345 |
| Net interest margin | 3.0735% | 5,876 |
| Noninterest income to average assets | -0.0683% | 6,898 |
| Noninterest expense to average assets | 2.2164% | 5,893 |
| Loan and lease loss provision to assets | 0.3083% | 2,214 |
| Net operating income to assets | 0.3936% | 5,128 |
| Return on assets (ROA) | 0.4239% | 5,247 |
| Pretax return on assets | 0.3233% | 5,781 |
| Return on Equity (ROE) | 2.8342% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.8342% | 4,243 |
| Net charge-offs to loans | 1.0501% | 1,022 |
| Credit loss provision to net charge-offs | 43.2998% | 4,856 |
| Earnings coverage of net charge-offs (x) | 0.8445% | 5,054 |
| Efficiency ratio | 78.6621% | 2,331 |
| Assets per employee ($millions) | 8.5709% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8620% | 2,414 |
| Loan loss allowance to noncurrent loans | 53.6642% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 4.2826% | 981 |
| Noncurrent loans to loans | 3.4697% | 1,441 |
| Net loans and leases to total assets | 68.8674% | 2,057 |
| Net loans and leases to deposits | 92.9310% | 832 |
| Net loans and leases to core deposits | 109.3204% | 559 |
| Total domestic deposits to total assets | 74.1059% | 6,518 |
| Equity capital to assets | 16.1374% | 535 |
| Core capital (leverage) ratio | 15.7922% | 474 |
| Tier 1 risk-based capital ratio | 26.1059% | 760 |
| Total risk-based capital ratio | 27.3673% | 751 |
| Memoranda: | ||
| Average total assets | $992,661,000 | 664 |
| Average earning assets | $932,069,600 | 644 |
| Average equity | $148,470,400 | 490 |
| Average total loans | $672,962,000 | 615 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4182% | 3,976 |
| Cost of funding earning assets | 1.3515% | 349 |
| Net interest margin | 3.0667% | 6,025 |
| Noninterest income to average assets | -0.0909% | 7,020 |
| Noninterest expense to average assets | 2.2409% | 5,851 |
| Loan and lease loss provision to assets | 0.3843% | 1,677 |
| Net operating income to assets | 0.2943% | 5,630 |
| Return on assets (ROA) | 0.3324% | 5,704 |
| Pretax return on assets | 0.2001% | 6,122 |
| Return on Equity (ROE) | 2.2637% | 5,957 |
| Retained earnings to average equity (ytd only) | 2.2637% | 5,206 |
| Net charge-offs to loans | 1.0711% | 969 |
| Credit loss provision to net charge-offs | 53.3542% | 4,313 |
| Earnings coverage of net charge-offs (x) | 0.7585% | 4,947 |
| Efficiency ratio | 80.3999% | 2,035 |
| Assets per employee ($millions) | 8.6784% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0853% | 1,942 |
| Loan loss allowance to noncurrent loans | 58.0821% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 4.4273% | 1,051 |
| Noncurrent loans to loans | 3.5903% | 1,508 |
| Net loans and leases to total assets | 66.6603% | 2,529 |
| Net loans and leases to deposits | 88.9126% | 1,257 |
| Net loans and leases to core deposits | 106.8513% | 697 |
| Total domestic deposits to total assets | 74.9729% | 6,524 |
| Equity capital to assets | 15.4901% | 706 |
| Core capital (leverage) ratio | 15.1591% | 586 |
| Tier 1 risk-based capital ratio | 26.0438% | 819 |
| Total risk-based capital ratio | 27.3087% | 802 |
| Memoranda: | ||
| Average total assets | $1,007,268,250 | 667 |
| Average earning assets | $945,313,250 | 631 |
| Average equity | $147,897,750 | 489 |
| Average total loans | $677,305,500 | 611 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 4,013 |
| Cost of funding earning assets | 1.3814% | 376 |
| Net interest margin | 3.0613% | 6,097 |
| Noninterest income to average assets | 0.0458% | 6,873 |
| Noninterest expense to average assets | 2.1499% | 6,124 |
| Loan and lease loss provision to assets | 0.4832% | 1,314 |
| Net operating income to assets | 0.4660% | 4,971 |
| Return on assets (ROA) | 0.5223% | 4,985 |
| Pretax return on assets | 0.3411% | 5,854 |
| Return on Equity (ROE) | 3.6200% | 5,432 |
| Retained earnings to average equity (ytd only) | 3.6200% | 4,187 |
| Net charge-offs to loans | 1.3029% | 816 |
| Credit loss provision to net charge-offs | 55.3712% | 3,919 |
| Earnings coverage of net charge-offs (x) | 0.8800% | 4,608 |
| Efficiency ratio | 73.6803% | 3,129 |
| Assets per employee ($millions) | 8.9100% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1690% | 1,846 |
| Loan loss allowance to noncurrent loans | 62.9966% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 4.5171% | 1,099 |
| Noncurrent loans to loans | 3.4430% | 1,677 |
| Net loans and leases to total assets | 64.8703% | 2,861 |
| Net loans and leases to deposits | 85.7028% | 1,639 |
| Net loans and leases to core deposits | 104.9650% | 794 |
| Total domestic deposits to total assets | 75.6922% | 6,503 |
| Equity capital to assets | 15.0268% | 780 |
| Core capital (leverage) ratio | 14.8482% | 628 |
| Tier 1 risk-based capital ratio | 25.9763% | 806 |
| Total risk-based capital ratio | 27.2420% | 791 |
| Memoranda: | ||
| Average total assets | $1,021,924,670 | 651 |
| Average earning assets | $958,729,330 | 624 |
| Average equity | $147,458,330 | 488 |
| Average total loans | $684,469,330 | 606 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5267% | 3,808 |
| Cost of funding earning assets | 1.4232% | 387 |
| Net interest margin | 3.1034% | 6,028 |
| Noninterest income to average assets | 0.0208% | 7,045 |
| Noninterest expense to average assets | 2.0524% | 6,374 |
| Loan and lease loss provision to assets | 0.6938% | 760 |
| Net operating income to assets | 0.1704% | 6,061 |
| Return on assets (ROA) | 0.2384% | 6,007 |
| Pretax return on assets | 0.2616% | 6,059 |
| Return on Equity (ROE) | 1.6857% | 6,162 |
| Retained earnings to average equity (ytd only) | 1.6857% | 5,389 |
| Net charge-offs to loans | 1.9616% | 485 |
| Credit loss provision to net charge-offs | 52.5533% | 3,240 |
| Earnings coverage of net charge-offs (x) | 0.6671% | 4,002 |
| Efficiency ratio | 69.9764% | 3,811 |
| Assets per employee ($millions) | 9.4251% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1242% | 2,043 |
| Loan loss allowance to noncurrent loans | 55.4024% | 4,771 |
| Noncurrent assets plus other real estate owned to assets | 4.7360% | 1,112 |
| Noncurrent loans to loans | 3.8342% | 1,615 |
| Net loans and leases to total assets | 65.4277% | 2,573 |
| Net loans and leases to deposits | 85.1388% | 1,518 |
| Net loans and leases to core deposits | 104.4841% | 742 |
| Total domestic deposits to total assets | 76.8482% | 6,421 |
| Equity capital to assets | 14.3259% | 916 |
| Core capital (leverage) ratio | 14.1517% | 763 |
| Tier 1 risk-based capital ratio | 24.3582% | 969 |
| Total risk-based capital ratio | 25.6229% | 953 |
| Memoranda: | ||
| Average total assets | $1,038,384,000 | 642 |
| Average earning assets | $974,403,500 | 609 |
| Average equity | $146,879,500 | 486 |
| Average total loans | $698,806,500 | 593 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 4,051 |
| Cost of funding earning assets | 1.7480% | 261 |
| Net interest margin | 2.9976% | 6,535 |
| Noninterest income to average assets | 0.0275% | 6,911 |
| Noninterest expense to average assets | 2.2195% | 6,229 |
| Loan and lease loss provision to assets | 0.4046% | 2,571 |
| Net operating income to assets | 0.2092% | 5,567 |
| Return on assets (ROA) | 0.4052% | 5,016 |
| Pretax return on assets | 0.4052% | 5,282 |
| Return on Equity (ROE) | 3.1798% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.1798% | 3,953 |
| Net charge-offs to loans | 1.3634% | 1,208 |
| Credit loss provision to net charge-offs | 43.4187% | 5,565 |
| Earnings coverage of net charge-offs (x) | 0.6587% | 5,327 |
| Efficiency ratio | 78.3368% | 2,550 |
| Assets per employee ($millions) | 10.0907% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2809% | 1,653 |
| Loan loss allowance to noncurrent loans | 68.6423% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 4.7206% | 1,155 |
| Noncurrent loans to loans | 3.3229% | 1,949 |
| Net loans and leases to total assets | 66.1929% | 2,747 |
| Net loans and leases to deposits | 85.4572% | 1,734 |
| Net loans and leases to core deposits | 105.0139% | 842 |
| Total domestic deposits to total assets | 77.4573% | 6,275 |
| Equity capital to assets | 13.9679% | 1,073 |
| Core capital (leverage) ratio | 13.5379% | 951 |
| Tier 1 risk-based capital ratio | 23.4929% | 1,032 |
| Total risk-based capital ratio | 24.7599% | 1,011 |
| Memoranda: | ||
| Average total assets | $1,135,728,400 | 576 |
| Average earning assets | $1,063,076,400 | 549 |
| Average equity | $144,725,400 | 482 |
| Average total loans | $776,212,400 | 526 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7953% | 4,033 |
| Cost of funding earning assets | 1.7905% | 271 |
| Net interest margin | 3.0048% | 6,573 |
| Noninterest income to average assets | 0.0606% | 6,915 |
| Noninterest expense to average assets | 2.2025% | 6,273 |
| Loan and lease loss provision to assets | 0.4639% | 2,133 |
| Net operating income to assets | 0.2058% | 5,688 |
| Return on assets (ROA) | 0.4063% | 5,153 |
| Pretax return on assets | 0.4063% | 5,447 |
| Return on Equity (ROE) | 3.2598% | 5,328 |
| Retained earnings to average equity (ytd only) | 3.2598% | 4,399 |
| Net charge-offs to loans | 1.6732% | 832 |
| Credit loss provision to net charge-offs | 40.4886% | 5,230 |
| Earnings coverage of net charge-offs (x) | 0.5845% | 5,187 |
| Efficiency ratio | 76.6836% | 2,724 |
| Assets per employee ($millions) | 10.9737% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2166% | 1,827 |
| Loan loss allowance to noncurrent loans | 53.2211% | 4,810 |
| Noncurrent assets plus other real estate owned to assets | 4.9364% | 1,174 |
| Noncurrent loans to loans | 4.1649% | 1,581 |
| Net loans and leases to total assets | 63.5507% | 3,405 |
| Net loans and leases to deposits | 82.1585% | 2,329 |
| Net loans and leases to core deposits | 104.8579% | 925 |
| Total domestic deposits to total assets | 77.3513% | 6,320 |
| Equity capital to assets | 12.8167% | 1,707 |
| Core capital (leverage) ratio | 12.7618% | 1,323 |
| Tier 1 risk-based capital ratio | 22.5997% | 1,205 |
| Total risk-based capital ratio | 23.8658% | 1,177 |
| Memoranda: | ||
| Average total assets | $1,157,301,750 | 566 |
| Average earning assets | $1,082,897,000 | 550 |
| Average equity | $144,260,750 | 492 |
| Average total loans | $792,549,250 | 522 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8937% | 3,652 |
| Cost of funding earning assets | 1.8279% | 280 |
| Net interest margin | 3.0658% | 6,476 |
| Noninterest income to average assets | 0.0988% | 6,833 |
| Noninterest expense to average assets | 2.2152% | 6,347 |
| Loan and lease loss provision to assets | 0.4745% | 2,089 |
| Net operating income to assets | 0.2708% | 5,480 |
| Return on assets (ROA) | 0.4872% | 4,699 |
| Pretax return on assets | 0.4872% | 5,111 |
| Return on Equity (ROE) | 3.9442% | 4,964 |
| Retained earnings to average equity (ytd only) | 3.9442% | 3,683 |
| Net charge-offs to loans | 2.0425% | 652 |
| Credit loss provision to net charge-offs | 33.3735% | 4,932 |
| Earnings coverage of net charge-offs (x) | 0.5242% | 4,915 |
| Efficiency ratio | 74.8262% | 3,216 |
| Assets per employee ($millions) | 10.5776% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1927% | 1,933 |
| Loan loss allowance to noncurrent loans | 44.0914% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 5.5853% | 1,051 |
| Noncurrent loans to loans | 4.9731% | 1,318 |
| Net loans and leases to total assets | 65.1208% | 3,230 |
| Net loans and leases to deposits | 83.0118% | 2,273 |
| Net loans and leases to core deposits | 106.5209% | 897 |
| Total domestic deposits to total assets | 78.4476% | 6,200 |
| Equity capital to assets | 12.7709% | 1,637 |
| Core capital (leverage) ratio | 12.4705% | 1,373 |
| Tier 1 risk-based capital ratio | 21.5480% | 1,320 |
| Total risk-based capital ratio | 22.8136% | 1,292 |
| Memoranda: | ||
| Average total assets | $1,166,303,670 | 572 |
| Average earning assets | $1,088,654,670 | 549 |
| Average equity | $144,058,670 | 494 |
| Average total loans | $811,867,670 | 525 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9335% | 3,395 |
| Cost of funding earning assets | 1.8661% | 292 |
| Net interest margin | 3.0674% | 6,424 |
| Noninterest income to average assets | 0.0669% | 7,058 |
| Noninterest expense to average assets | 2.1951% | 6,434 |
| Loan and lease loss provision to assets | 0.4030% | 2,179 |
| Net operating income to assets | 0.3269% | 5,283 |
| Return on assets (ROA) | 0.5004% | 4,574 |
| Pretax return on assets | 0.5004% | 5,026 |
| Return on Equity (ROE) | 4.1190% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.1190% | 3,694 |
| Net charge-offs to loans | 1.6382% | 818 |
| Credit loss provision to net charge-offs | 34.6064% | 4,042 |
| Earnings coverage of net charge-offs (x) | 0.6268% | 4,156 |
| Efficiency ratio | 75.0464% | 3,325 |
| Assets per employee ($millions) | 10.9684% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4742% | 1,496 |
| Loan loss allowance to noncurrent loans | 39.1560% | 5,685 |
| Noncurrent assets plus other real estate owned to assets | 7.0073% | 764 |
| Noncurrent loans to loans | 6.3189% | 970 |
| Net loans and leases to total assets | 67.0333% | 2,749 |
| Net loans and leases to deposits | 84.5791% | 1,943 |
| Net loans and leases to core deposits | 108.1857% | 837 |
| Total domestic deposits to total assets | 79.2551% | 6,131 |
| Equity capital to assets | 12.2528% | 1,758 |
| Core capital (leverage) ratio | 12.1313% | 1,488 |
| Tier 1 risk-based capital ratio | 20.0258% | 1,583 |
| Total risk-based capital ratio | 21.2950% | 1,545 |
| Memoranda: | ||
| Average total assets | $1,178,265,000 | 570 |
| Average earning assets | $1,097,878,000 | 547 |
| Average equity | $143,142,000 | 491 |
| Average total loans | $837,498,500 | 521 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0111% | 4,503 |
| Cost of funding earning assets | 2.3474% | 183 |
| Net interest margin | 2.6637% | 7,158 |
| Noninterest income to average assets | -0.4056% | 7,541 |
| Noninterest expense to average assets | 1.9289% | 7,117 |
| Loan and lease loss provision to assets | 4.1439% | 150 |
| Net operating income to assets | -4.0801% | 7,444 |
| Return on assets (ROA) | -4.0139% | 7,451 |
| Pretax return on assets | -3.9124% | 7,428 |
| Return on Equity (ROE) | -35.1101% | 7,293 |
| Retained earnings to average equity (ytd only) | -35.1101% | 7,281 |
| Net charge-offs to loans | 6.4699% | 81 |
| Credit loss provision to net charge-offs | 83.1908% | 5,428 |
| Earnings coverage of net charge-offs (x) | 0.0332% | 6,087 |
| Efficiency ratio | 92.1120% | 1,177 |
| Assets per employee ($millions) | 10.9529% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5569% | 1,336 |
| Loan loss allowance to noncurrent loans | 35.3332% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 7.8567% | 644 |
| Noncurrent loans to loans | 7.2365% | 760 |
| Net loans and leases to total assets | 71.5287% | 2,196 |
| Net loans and leases to deposits | 89.8709% | 1,544 |
| Net loans and leases to core deposits | 114.9564% | 679 |
| Total domestic deposits to total assets | 79.5905% | 5,940 |
| Equity capital to assets | 12.0451% | 1,889 |
| Core capital (leverage) ratio | 11.7324% | 1,707 |
| Tier 1 risk-based capital ratio | 18.3801% | 1,884 |
| Total risk-based capital ratio | 19.6504% | 1,836 |
| Memoranda: | ||
| Average total assets | $1,272,560,000 | 532 |
| Average earning assets | $1,194,144,000 | 511 |
| Average equity | $145,482,400 | 471 |
| Average total loans | $979,743,400 | 455 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 4,859 |
| Cost of funding earning assets | 2.4104% | 194 |
| Net interest margin | 2.5811% | 7,328 |
| Noninterest income to average assets | -0.5468% | 7,687 |
| Noninterest expense to average assets | 1.8496% | 7,268 |
| Loan and lease loss provision to assets | 5.2051% | 80 |
| Net operating income to assets | -5.3082% | 7,667 |
| Return on assets (ROA) | -5.3082% | 7,673 |
| Pretax return on assets | -5.1753% | 7,654 |
| Return on Equity (ROE) | -47.0071% | 7,543 |
| Retained earnings to average equity (ytd only) | -47.0071% | 7,541 |
| Net charge-offs to loans | 7.3451% | 56 |
| Credit loss provision to net charge-offs | 91.0770% | 4,726 |
| Earnings coverage of net charge-offs (x) | 0.0052% | 6,027 |
| Efficiency ratio | 98.4113% | 808 |
| Assets per employee ($millions) | 11.8670% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9895% | 828 |
| Loan loss allowance to noncurrent loans | 29.9518% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 9.1426% | 487 |
| Noncurrent loans to loans | 9.9809% | 424 |
| Net loans and leases to total assets | 71.3129% | 2,402 |
| Net loans and leases to deposits | 92.8671% | 1,348 |
| Net loans and leases to core deposits | 121.2185% | 574 |
| Total domestic deposits to total assets | 76.7903% | 6,532 |
| Equity capital to assets | 11.3034% | 2,701 |
| Core capital (leverage) ratio | 10.9485% | 2,297 |
| Tier 1 risk-based capital ratio | 17.3391% | 2,231 |
| Total risk-based capital ratio | 18.6309% | 2,176 |
| Memoranda: | ||
| Average total assets | $1,294,972,750 | 518 |
| Average earning assets | $1,217,259,250 | 496 |
| Average equity | $146,232,500 | 465 |
| Average total loans | $1,007,599,000 | 445 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 4,852 |
| Cost of funding earning assets | 2.4958% | 176 |
| Net interest margin | 2.5239% | 7,401 |
| Noninterest income to average assets | -0.5420% | 7,753 |
| Noninterest expense to average assets | 1.7619% | 7,436 |
| Loan and lease loss provision to assets | 5.9480% | 75 |
| Net operating income to assets | -6.0785% | 7,741 |
| Return on assets (ROA) | -6.0785% | 7,744 |
| Pretax return on assets | -5.8804% | 7,723 |
| Return on Equity (ROE) | -53.8460% | 7,630 |
| Retained earnings to average equity (ytd only) | -53.8460% | 7,626 |
| Net charge-offs to loans | 8.1466% | 57 |
| Credit loss provision to net charge-offs | 92.1807% | 4,362 |
| Earnings coverage of net charge-offs (x) | 0.0105% | 5,706 |
| Efficiency ratio | 96.3093% | 951 |
| Assets per employee ($millions) | 12.0078% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9814% | 830 |
| Loan loss allowance to noncurrent loans | 24.5863% | 6,697 |
| Noncurrent assets plus other real estate owned to assets | 10.5455% | 358 |
| Noncurrent loans to loans | 12.1261% | 281 |
| Net loans and leases to total assets | 74.1972% | 1,869 |
| Net loans and leases to deposits | 93.9983% | 1,274 |
| Net loans and leases to core deposits | 122.1855% | 622 |
| Total domestic deposits to total assets | 78.9347% | 6,057 |
| Equity capital to assets | 9.7365% | 4,361 |
| Core capital (leverage) ratio | 9.4043% | 3,953 |
| Tier 1 risk-based capital ratio | 14.4866% | 3,453 |
| Total risk-based capital ratio | 15.7760% | 3,395 |
| Memoranda: | ||
| Average total assets | $1,303,373,330 | 508 |
| Average earning assets | $1,224,635,000 | 490 |
| Average equity | $147,134,330 | 461 |
| Average total loans | $1,032,327,000 | 436 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0642% | 4,709 |
| Cost of funding earning assets | 2.5406% | 202 |
| Net interest margin | 2.5236% | 7,454 |
| Noninterest income to average assets | -0.8223% | 7,888 |
| Noninterest expense to average assets | 1.7804% | 7,490 |
| Loan and lease loss provision to assets | 3.9353% | 224 |
| Net operating income to assets | -4.5497% | 7,753 |
| Return on assets (ROA) | -4.5497% | 7,759 |
| Pretax return on assets | -4.1756% | 7,702 |
| Return on Equity (ROE) | -37.7285% | 7,639 |
| Retained earnings to average equity (ytd only) | -37.7285% | 7,622 |
| Net charge-offs to loans | 3.5831% | 389 |
| Credit loss provision to net charge-offs | 136.3347% | 2,595 |
| Earnings coverage of net charge-offs (x) | -0.0833% | 5,087 |
| Efficiency ratio | 115.6033% | 502 |
| Assets per employee ($millions) | 12.8536% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4778% | 562 |
| Loan loss allowance to noncurrent loans | 24.9333% | 6,748 |
| Noncurrent assets plus other real estate owned to assets | 12.6630% | 225 |
| Noncurrent loans to loans | 13.9483% | 215 |
| Net loans and leases to total assets | 76.8072% | 1,364 |
| Net loans and leases to deposits | 99.2349% | 808 |
| Net loans and leases to core deposits | 130.4168% | 483 |
| Total domestic deposits to total assets | 77.3994% | 6,471 |
| Equity capital to assets | 11.4523% | 2,402 |
| Core capital (leverage) ratio | 11.3301% | 2,018 |
| Tier 1 risk-based capital ratio | 16.4349% | 2,479 |
| Total risk-based capital ratio | 17.7273% | 2,413 |
| Memoranda: | ||
| Average total assets | $1,306,637,000 | 524 |
| Average earning assets | $1,223,169,500 | 508 |
| Average equity | $157,568,000 | 435 |
| Average total loans | $1,052,594,000 | 449 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2775% | 5,295 |
| Cost of funding earning assets | 2.8698% | 346 |
| Net interest margin | 2.4077% | 7,506 |
| Noninterest income to average assets | 0.0030% | 7,683 |
| Noninterest expense to average assets | 2.6632% | 5,538 |
| Loan and lease loss provision to assets | 4.0136% | 338 |
| Net operating income to assets | -3.2389% | 7,452 |
| Return on assets (ROA) | -3.1342% | 7,434 |
| Pretax return on assets | -4.2293% | 7,579 |
| Return on Equity (ROE) | -21.4270% | 7,188 |
| Retained earnings to average equity (ytd only) | -21.4270% | 7,159 |
| Net charge-offs to loans | 3.3460% | 597 |
| Credit loss provision to net charge-offs | 145.1437% | 3,277 |
| Earnings coverage of net charge-offs (x) | -0.1292% | 6,364 |
| Efficiency ratio | 67.1555% | 5,152 |
| Assets per employee ($millions) | 13.1536% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0941% | 720 |
| Loan loss allowance to noncurrent loans | 27.2955% | 6,653 |
| Noncurrent assets plus other real estate owned to assets | 10.1528% | 360 |
| Noncurrent loans to loans | 11.3357% | 320 |
| Net loans and leases to total assets | 79.0238% | 1,177 |
| Net loans and leases to deposits | 103.8583% | 655 |
| Net loans and leases to core deposits | 216.2294% | 71 |
| Total domestic deposits to total assets | 76.0881% | 6,661 |
| Equity capital to assets | 12.6699% | 1,662 |
| Core capital (leverage) ratio | 12.4633% | 1,473 |
| Tier 1 risk-based capital ratio | 19.2041% | 1,610 |
| Total risk-based capital ratio | 20.4947% | 1,569 |
| Memoranda: | ||
| Average total assets | $1,274,499,600 | 530 |
| Average earning assets | $1,219,110,600 | 500 |
| Average equity | $186,428,600 | 370 |
| Average total loans | $1,053,297,800 | 461 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2735% | 5,551 |
| Cost of funding earning assets | 2.9292% | 407 |
| Net interest margin | 2.3443% | 7,606 |
| Noninterest income to average assets | 0.0026% | 7,825 |
| Noninterest expense to average assets | 3.1382% | 3,508 |
| Loan and lease loss provision to assets | 2.8883% | 529 |
| Net operating income to assets | -2.9629% | 7,575 |
| Return on assets (ROA) | -2.9693% | 7,584 |
| Pretax return on assets | -3.7788% | 7,652 |
| Return on Equity (ROE) | -19.6246% | 7,361 |
| Retained earnings to average equity (ytd only) | -19.6246% | 7,324 |
| Net charge-offs to loans | 1.7050% | 1,187 |
| Credit loss provision to net charge-offs | 204.2776% | 2,180 |
| Earnings coverage of net charge-offs (x) | -0.6241% | 6,532 |
| Efficiency ratio | 72.8761% | 4,075 |
| Assets per employee ($millions) | 13.5985% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8752% | 740 |
| Loan loss allowance to noncurrent loans | 20.8338% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 11.3844% | 259 |
| Noncurrent loans to loans | 13.8005% | 188 |
| Net loans and leases to total assets | 80.1209% | 1,144 |
| Net loans and leases to deposits | 107.8210% | 566 |
| Net loans and leases to core deposits | 215.0462% | 74 |
| Total domestic deposits to total assets | 74.3092% | 6,896 |
| Equity capital to assets | 13.6426% | 1,436 |
| Core capital (leverage) ratio | 13.4691% | 1,240 |
| Tier 1 risk-based capital ratio | 20.4295% | 1,472 |
| Total risk-based capital ratio | 21.7167% | 1,422 |
| Memoranda: | ||
| Average total assets | $1,267,573,000 | 544 |
| Average earning assets | $1,218,282,000 | 515 |
| Average equity | $191,788,750 | 372 |
| Average total loans | $1,051,144,750 | 476 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3344% | 5,478 |
| Cost of funding earning assets | 2.9767% | 506 |
| Net interest margin | 2.3577% | 7,618 |
| Noninterest income to average assets | -0.0008% | 7,970 |
| Noninterest expense to average assets | 4.0169% | 1,289 |
| Loan and lease loss provision to assets | 3.1362% | 475 |
| Net operating income to assets | -4.2027% | 7,858 |
| Return on assets (ROA) | -4.2131% | 7,853 |
| Pretax return on assets | -4.9016% | 7,848 |
| Return on Equity (ROE) | -26.9271% | 7,660 |
| Retained earnings to average equity (ytd only) | -26.9271% | 7,630 |
| Net charge-offs to loans | 0.8310% | 2,032 |
| Credit loss provision to net charge-offs | 454.2705% | 1,024 |
| Earnings coverage of net charge-offs (x) | -2.5395% | 6,388 |
| Efficiency ratio | 77.4359% | 3,431 |
| Assets per employee ($millions) | 13.5198% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0830% | 525 |
| Loan loss allowance to noncurrent loans | 25.0029% | 6,843 |
| Noncurrent assets plus other real estate owned to assets | 10.0563% | 289 |
| Noncurrent loans to loans | 12.3307% | 206 |
| Net loans and leases to total assets | 79.0405% | 1,512 |
| Net loans and leases to deposits | 107.3117% | 690 |
| Net loans and leases to core deposits | 207.3899% | 99 |
| Total domestic deposits to total assets | 73.6551% | 7,003 |
| Equity capital to assets | 13.8747% | 1,357 |
| Core capital (leverage) ratio | 13.8243% | 1,186 |
| Tier 1 risk-based capital ratio | 21.4193% | 1,331 |
| Total risk-based capital ratio | 22.7020% | 1,298 |
| Memoranda: | ||
| Average total assets | $1,254,944,330 | 562 |
| Average earning assets | $1,205,343,670 | 531 |
| Average equity | $196,352,330 | 372 |
| Average total loans | $1,042,556,670 | 491 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5863% | 4,445 |
| Cost of funding earning assets | 2.9972% | 611 |
| Net interest margin | 2.5891% | 7,388 |
| Noninterest income to average assets | -0.0029% | 8,088 |
| Noninterest expense to average assets | 1.5539% | 7,940 |
| Loan and lease loss provision to assets | 0.4947% | 2,500 |
| Net operating income to assets | 0.2748% | 5,387 |
| Return on assets (ROA) | 0.2903% | 5,503 |
| Pretax return on assets | 0.4528% | 5,236 |
| Return on Equity (ROE) | 1.7525% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.7525% | 4,875 |
| Net charge-offs to loans | 1.6275% | 892 |
| Credit loss provision to net charge-offs | 36.2476% | 4,868 |
| Earnings coverage of net charge-offs (x) | 0.6765% | 4,465 |
| Efficiency ratio | 62.7262% | 5,922 |
| Assets per employee ($millions) | 12.7427% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3745% | 3,640 |
| Loan loss allowance to noncurrent loans | 17.8081% | 7,274 |
| Noncurrent assets plus other real estate owned to assets | 6.4074% | 589 |
| Noncurrent loans to loans | 7.7181% | 480 |
| Net loans and leases to total assets | 81.8763% | 1,037 |
| Net loans and leases to deposits | 115.0744% | 408 |
| Net loans and leases to core deposits | 225.6963% | 94 |
| Total domestic deposits to total assets | 71.1507% | 7,315 |
| Equity capital to assets | 16.5047% | 793 |
| Core capital (leverage) ratio | 15.6490% | 834 |
| Tier 1 risk-based capital ratio | 23.1404% | 1,175 |
| Total risk-based capital ratio | 24.3966% | 1,153 |
| Memoranda: | ||
| Average total assets | $1,240,224,500 | 569 |
| Average earning assets | $1,188,039,000 | 536 |
| Average equity | $205,426,000 | 359 |
| Average total loans | $1,040,096,000 | 499 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9575% | 5,769 |
| Cost of funding earning assets | 3.3210% | 869 |
| Net interest margin | 2.6365% | 7,598 |
| Noninterest income to average assets | 0.0049% | 8,091 |
| Noninterest expense to average assets | 1.1381% | 8,181 |
| Loan and lease loss provision to assets | 0.7922% | 1,881 |
| Net operating income to assets | 0.3900% | 5,190 |
| Return on assets (ROA) | 0.3881% | 5,013 |
| Pretax return on assets | 0.5989% | 4,695 |
| Return on Equity (ROE) | 2.2755% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.2755% | 3,795 |
| Net charge-offs to loans | 0.0448% | 6,146 |
| Credit loss provision to net charge-offs | 2,184.7222% | 209 |
| Earnings coverage of net charge-offs (x) | 38.4421% | 970 |
| Efficiency ratio | 44.9480% | 7,975 |
| Assets per employee ($millions) | 12.8299% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6241% | 2,142 |
| Loan loss allowance to noncurrent loans | 28.9484% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 4.7531% | 763 |
| Noncurrent loans to loans | 5.6102% | 702 |
| Net loans and leases to total assets | 83.3456% | 985 |
| Net loans and leases to deposits | 118.4664% | 428 |
| Net loans and leases to core deposits | 230.5112% | 92 |
| Total domestic deposits to total assets | 70.3538% | 7,238 |
| Equity capital to assets | 16.6233% | 824 |
| Core capital (leverage) ratio | 15.6073% | 902 |
| Tier 1 risk-based capital ratio | 23.0375% | 1,186 |
| Total risk-based capital ratio | 24.2974% | 1,160 |
| Memoranda: | ||
| Average total assets | $1,191,388,600 | 563 |
| Average earning assets | $1,141,958,200 | 536 |
| Average equity | $203,206,600 | 370 |
| Average total loans | $965,065,000 | 507 |