Home > Institution for Savings in Newburyport and Its Vicinity > Performance and Condition Ratios
Institution for Savings in Newburyport and Its Vicinity, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6495% | 4,315 |
| Cost of funding earning assets | 2.3482% | 496 |
| Net interest margin | 1.3013% | 4,527 |
| Noninterest income to average assets | 0.1200% | 4,210 |
| Noninterest expense to average assets | 1.1641% | 4,473 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.1482% | 4,211 |
| Return on assets (ROA) | 0.8250% | 2,768 |
| Pretax return on assets | 0.8897% | 2,989 |
| Return on Equity (ROE) | 7.4100% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.4056% | 1,752 |
| Net charge-offs to loans | 0.0004% | 2,896 |
| Credit loss provision to net charge-offs | 7,035.7143% | 74 |
| Earnings coverage of net charge-offs (x) | 642.0714% | 228 |
| Efficiency ratio | 85.6550% | 578 |
| Assets per employee ($millions) | 27.3981% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3500% | 4,409 |
| Loan loss allowance to noncurrent loans | 2,479.8587% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0112% | 3,701 |
| Noncurrent loans to loans | 0.0141% | 3,648 |
| Net loans and leases to total assets | 79.2700% | 729 |
| Net loans and leases to deposits | 122.4110% | 73 |
| Net loans and leases to core deposits | 153.1642% | 189 |
| Total domestic deposits to total assets | 64.7600% | 4,394 |
| Equity capital to assets | 11.3127% | 1,367 |
| Core capital (leverage) ratio | 11.4698% | 1,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7825% | 1,321 |
| Memoranda: | ||
| Average total assets | $4,940,571,400 | 275 |
| Average earning assets | $4,651,010,600 | 267 |
| Average equity | $550,367,200 | 250 |
| Average total loans | $3,828,361,400 | 248 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6026% | 4,305 |
| Cost of funding earning assets | 2.2086% | 490 |
| Net interest margin | 1.3940% | 4,539 |
| Noninterest income to average assets | 0.1300% | 4,175 |
| Noninterest expense to average assets | 1.1109% | 4,500 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.3263% | 4,089 |
| Return on assets (ROA) | 0.5870% | 3,563 |
| Pretax return on assets | 0.5708% | 3,787 |
| Return on Equity (ROE) | 5.2900% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.2908% | 2,845 |
| Net charge-offs to loans | -0.0000% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.9622% | 1,171 |
| Assets per employee ($millions) | 27.0943% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3622% | 4,424 |
| Loan loss allowance to noncurrent loans | 2,357.5503% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,733 |
| Noncurrent loans to loans | 0.0154% | 3,681 |
| Net loans and leases to total assets | 77.5200% | 945 |
| Net loans and leases to deposits | 119.0626% | 82 |
| Net loans and leases to core deposits | 145.2474% | 173 |
| Total domestic deposits to total assets | 65.1100% | 4,415 |
| Equity capital to assets | 10.9807% | 1,350 |
| Core capital (leverage) ratio | 11.0709% | 1,944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8699% | 1,601 |
| Memoranda: | ||
| Average total assets | $4,915,401,500 | 278 |
| Average earning assets | $4,630,706,500 | 270 |
| Average equity | $545,383,250 | 252 |
| Average total loans | $3,782,848,000 | 251 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5303% | 4,317 |
| Cost of funding earning assets | 2.0409% | 450 |
| Net interest margin | 1.4895% | 4,579 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 1.1222% | 4,529 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.3430% | 4,098 |
| Return on assets (ROA) | 1.2530% | 1,679 |
| Pretax return on assets | 1.4337% | 1,740 |
| Return on Equity (ROE) | 11.2500% | 2,363 |
| Retained earnings to average equity (ytd only) | 11.2531% | 1,135 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 71.6569% | 1,596 |
| Assets per employee ($millions) | 25.8539% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3691% | 4,450 |
| Loan loss allowance to noncurrent loans | 2,273.4628% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 3,721 |
| Noncurrent loans to loans | 0.0162% | 3,653 |
| Net loans and leases to total assets | 77.6200% | 875 |
| Net loans and leases to deposits | 109.3217% | 217 |
| Net loans and leases to core deposits | 138.7750% | 228 |
| Total domestic deposits to total assets | 71.0000% | 4,331 |
| Equity capital to assets | 11.4237% | 1,221 |
| Core capital (leverage) ratio | 11.4721% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2749% | 1,491 |
| Memoranda: | ||
| Average total assets | $4,892,083,667 | 273 |
| Average earning assets | $4,615,419,333 | 264 |
| Average equity | $544,701,667 | 247 |
| Average total loans | $3,750,853,333 | 245 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4565% | 4,315 |
| Cost of funding earning assets | 1.8455% | 414 |
| Net interest margin | 1.6110% | 4,627 |
| Noninterest income to average assets | 0.1400% | 4,146 |
| Noninterest expense to average assets | 1.1383% | 4,590 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.4351% | 4,027 |
| Return on assets (ROA) | 1.1573% | 2,014 |
| Pretax return on assets | 1.3210% | 2,117 |
| Return on Equity (ROE) | 10.5300% | 2,625 |
| Retained earnings to average equity (ytd only) | 10.5304% | 1,573 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.7673% | 1,999 |
| Assets per employee ($millions) | 26.3133% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3594% | 4,518 |
| Loan loss allowance to noncurrent loans | 2,056.1538% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 3,724 |
| Noncurrent loans to loans | 0.0175% | 3,668 |
| Net loans and leases to total assets | 75.3000% | 1,046 |
| Net loans and leases to deposits | 102.6625% | 338 |
| Net loans and leases to core deposits | 132.1868% | 256 |
| Total domestic deposits to total assets | 73.3500% | 4,312 |
| Equity capital to assets | 11.1327% | 1,293 |
| Core capital (leverage) ratio | 11.2642% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0304% | 1,617 |
| Memoranda: | ||
| Average total assets | $4,894,932,500 | 282 |
| Average earning assets | $4,621,901,500 | 272 |
| Average equity | $537,949,000 | 255 |
| Average total loans | $3,722,754,500 | 253 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1036% | 3,982 |
| Cost of funding earning assets | 0.8826% | 267 |
| Net interest margin | 2.2210% | 4,469 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 1.2323% | 4,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8810% | 3,044 |
| Return on assets (ROA) | -0.3889% | 4,627 |
| Pretax return on assets | -0.5969% | 4,636 |
| Return on Equity (ROE) | -3.4700% | 4,609 |
| Retained earnings to average equity (ytd only) | -3.4662% | 4,536 |
| Net charge-offs to loans | -0.0013% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 54.4208% | 3,760 |
| Assets per employee ($millions) | 25.9004% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3849% | 4,507 |
| Loan loss allowance to noncurrent loans | 2,093.8686% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,730 |
| Noncurrent loans to loans | 0.0184% | 3,697 |
| Net loans and leases to total assets | 76.2400% | 987 |
| Net loans and leases to deposits | 102.6194% | 349 |
| Net loans and leases to core deposits | 135.3432% | 179 |
| Total domestic deposits to total assets | 74.3000% | 4,344 |
| Equity capital to assets | 10.8457% | 1,320 |
| Core capital (leverage) ratio | 11.0414% | 1,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6025% | 1,764 |
| Memoranda: | ||
| Average total assets | $4,675,273,800 | 282 |
| Average earning assets | $4,426,937,200 | 274 |
| Average equity | $524,554,800 | 260 |
| Average total loans | $3,493,114,800 | 254 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8983% | 3,787 |
| Cost of funding earning assets | 0.6396% | 223 |
| Net interest margin | 2.2587% | 4,374 |
| Noninterest income to average assets | 0.1122% | 4,438 |
| Noninterest expense to average assets | 1.2277% | 4,628 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9199% | 2,489 |
| Return on assets (ROA) | -1.9163% | 4,729 |
| Pretax return on assets | -2.5639% | 4,733 |
| Return on Equity (ROE) | -16.4087% | 4,742 |
| Retained earnings to average equity (ytd only) | -16.4087% | 4,709 |
| Net charge-offs to loans | -0.0025% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9348% | 3,971 |
| Assets per employee ($millions) | 24.8047% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4006% | 4,619 |
| Loan loss allowance to noncurrent loans | 1,363.1179% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 3,775 |
| Noncurrent loans to loans | 0.0294% | 3,736 |
| Net loans and leases to total assets | 76.4580% | 687 |
| Net loans and leases to deposits | 94.5869% | 491 |
| Net loans and leases to core deposits | 138.9714% | 79 |
| Total domestic deposits to total assets | 80.8336% | 4,154 |
| Equity capital to assets | 10.8408% | 1,290 |
| Core capital (leverage) ratio | 10.9682% | 1,632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7187% | 1,794 |
| Memoranda: | ||
| Average total assets | $4,581,299,000 | 285 |
| Average earning assets | $4,344,102,333 | 278 |
| Average equity | $535,032,000 | 256 |
| Average total loans | $3,372,737,333 | 255 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8407% | 3,660 |
| Cost of funding earning assets | 0.6215% | 228 |
| Net interest margin | 2.2192% | 4,324 |
| Noninterest income to average assets | 0.1055% | 4,477 |
| Noninterest expense to average assets | 1.2169% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8758% | 2,384 |
| Return on assets (ROA) | -0.7690% | 4,723 |
| Pretax return on assets | -1.0887% | 4,730 |
| Return on Equity (ROE) | -6.3509% | 4,719 |
| Retained earnings to average equity (ytd only) | -6.3509% | 4,471 |
| Net charge-offs to loans | -0.0049% | 3,335 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5081% | 4,023 |
| Assets per employee ($millions) | 24.9774% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4340% | 4,632 |
| Loan loss allowance to noncurrent loans | 1,526.8371% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 3,840 |
| Noncurrent loans to loans | 0.0284% | 3,792 |
| Net loans and leases to total assets | 72.3457% | 802 |
| Net loans and leases to deposits | 92.3301% | 420 |
| Net loans and leases to core deposits | 116.2867% | 172 |
| Total domestic deposits to total assets | 78.3554% | 4,385 |
| Equity capital to assets | 11.9600% | 971 |
| Core capital (leverage) ratio | 11.9546% | 1,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6227% | 1,609 |
| Memoranda: | ||
| Average total assets | $4,540,308,500 | 290 |
| Average earning assets | $4,306,279,000 | 282 |
| Average equity | $549,780,500 | 254 |
| Average total loans | $3,269,210,000 | 259 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9122% | 4,031 |
| Cost of funding earning assets | 0.7709% | 233 |
| Net interest margin | 2.1412% | 4,516 |
| Noninterest income to average assets | 0.1260% | 4,510 |
| Noninterest expense to average assets | 1.3286% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6904% | 3,652 |
| Return on assets (ROA) | 2.4115% | 182 |
| Pretax return on assets | 2.8730% | 164 |
| Return on Equity (ROE) | 20.3231% | 294 |
| Retained earnings to average equity (ytd only) | 20.3231% | 56 |
| Net charge-offs to loans | 0.0009% | 2,660 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1,338.9231% | 111 |
| Efficiency ratio | 61.1131% | 2,980 |
| Assets per employee ($millions) | 25.4761% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 4,667 |
| Loan loss allowance to noncurrent loans | 1,782.6683% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0177% | 3,966 |
| Noncurrent loans to loans | 0.0248% | 3,892 |
| Net loans and leases to total assets | 71.0304% | 919 |
| Net loans and leases to deposits | 92.2532% | 455 |
| Net loans and leases to core deposits | 117.3038% | 187 |
| Total domestic deposits to total assets | 76.9950% | 4,464 |
| Equity capital to assets | 12.2582% | 1,149 |
| Core capital (leverage) ratio | 12.3038% | 986 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5639% | 1,664 |
| Memoranda: | ||
| Average total assets | $4,224,411,200 | 292 |
| Average earning assets | $3,998,319,400 | 285 |
| Average equity | $501,257,200 | 268 |
| Average total loans | $2,983,878,200 | 271 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9208% | 4,132 |
| Cost of funding earning assets | 0.8075% | 235 |
| Net interest margin | 2.1133% | 4,618 |
| Noninterest income to average assets | 0.1243% | 4,569 |
| Noninterest expense to average assets | 1.2578% | 4,772 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7350% | 3,687 |
| Return on assets (ROA) | 1.7985% | 697 |
| Pretax return on assets | 2.1315% | 639 |
| Return on Equity (ROE) | 15.2957% | 1,090 |
| Retained earnings to average equity (ytd only) | 15.2957% | 359 |
| Net charge-offs to loans | 0.0013% | 2,383 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 961.2500% | 168 |
| Efficiency ratio | 58.6153% | 3,175 |
| Assets per employee ($millions) | 24.0206% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4504% | 4,742 |
| Loan loss allowance to noncurrent loans | 630.0132% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.0522% | 3,791 |
| Noncurrent loans to loans | 0.0715% | 3,735 |
| Net loans and leases to total assets | 72.6739% | 811 |
| Net loans and leases to deposits | 94.2518% | 408 |
| Net loans and leases to core deposits | 114.8450% | 244 |
| Total domestic deposits to total assets | 77.1061% | 4,490 |
| Equity capital to assets | 11.7405% | 1,521 |
| Core capital (leverage) ratio | 11.6424% | 1,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3098% | 1,860 |
| Memoranda: | ||
| Average total assets | $4,146,829,250 | 295 |
| Average earning assets | $3,922,290,250 | 288 |
| Average equity | $487,602,500 | 273 |
| Average total loans | $2,921,013,250 | 278 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9219% | 4,188 |
| Cost of funding earning assets | 0.8445% | 236 |
| Net interest margin | 2.0774% | 4,664 |
| Noninterest income to average assets | 0.1161% | 4,623 |
| Noninterest expense to average assets | 1.1719% | 4,832 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7318% | 3,679 |
| Return on assets (ROA) | 2.4542% | 248 |
| Pretax return on assets | 3.0620% | 178 |
| Return on Equity (ROE) | 20.8601% | 392 |
| Retained earnings to average equity (ytd only) | 20.8601% | 135 |
| Net charge-offs to loans | 0.0022% | 2,127 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 598.1935% | 227 |
| Efficiency ratio | 55.6644% | 3,584 |
| Assets per employee ($millions) | 23.2428% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4813% | 4,752 |
| Loan loss allowance to noncurrent loans | 1,128.0189% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 4,054 |
| Noncurrent loans to loans | 0.0427% | 3,975 |
| Net loans and leases to total assets | 69.8630% | 1,209 |
| Net loans and leases to deposits | 89.4188% | 683 |
| Net loans and leases to core deposits | 102.9857% | 564 |
| Total domestic deposits to total assets | 78.1301% | 4,420 |
| Equity capital to assets | 11.9412% | 1,395 |
| Core capital (leverage) ratio | 11.8481% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6734% | 1,731 |
| Memoranda: | ||
| Average total assets | $4,079,863,667 | 299 |
| Average earning assets | $3,858,696,000 | 292 |
| Average equity | $479,989,000 | 275 |
| Average total loans | $2,836,698,333 | 281 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0126% | 4,055 |
| Cost of funding earning assets | 0.8972% | 228 |
| Net interest margin | 2.1154% | 4,670 |
| Noninterest income to average assets | 0.1116% | 4,638 |
| Noninterest expense to average assets | 1.1909% | 4,860 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7412% | 3,598 |
| Return on assets (ROA) | 2.4486% | 310 |
| Pretax return on assets | 3.0566% | 220 |
| Return on Equity (ROE) | 20.9791% | 470 |
| Retained earnings to average equity (ytd only) | 20.9791% | 238 |
| Net charge-offs to loans | -0.0004% | 3,009 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7026% | 3,577 |
| Assets per employee ($millions) | 23.3785% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5220% | 4,758 |
| Loan loss allowance to noncurrent loans | 1,461.8367% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 4,194 |
| Noncurrent loans to loans | 0.0357% | 4,104 |
| Net loans and leases to total assets | 67.5041% | 1,593 |
| Net loans and leases to deposits | 86.4610% | 928 |
| Net loans and leases to core deposits | 100.9352% | 676 |
| Total domestic deposits to total assets | 78.0747% | 4,427 |
| Equity capital to assets | 11.8419% | 1,365 |
| Core capital (leverage) ratio | 11.9266% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9832% | 1,573 |
| Memoranda: | ||
| Average total assets | $4,004,704,000 | 300 |
| Average earning assets | $3,789,404,000 | 292 |
| Average equity | $467,417,000 | 280 |
| Average total loans | $2,770,235,000 | 287 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3362% | 4,280 |
| Cost of funding earning assets | 1.3627% | 144 |
| Net interest margin | 1.9735% | 4,838 |
| Noninterest income to average assets | 0.1606% | 4,495 |
| Noninterest expense to average assets | 1.2530% | 4,884 |
| Loan and lease loss provision to assets | 0.0418% | 3,875 |
| Net operating income to assets | 0.6065% | 3,734 |
| Return on assets (ROA) | 1.2102% | 1,626 |
| Pretax return on assets | 1.4455% | 1,527 |
| Return on Equity (ROE) | 11.4894% | 1,471 |
| Retained earnings to average equity (ytd only) | 11.4894% | 380 |
| Net charge-offs to loans | -0.0000% | 3,888 |
| Credit loss provision to net charge-offs | -160,000.0000% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2725% | 3,264 |
| Assets per employee ($millions) | 22.7870% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 4,785 |
| Loan loss allowance to noncurrent loans | 1,278.8393% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 4,224 |
| Noncurrent loans to loans | 0.0401% | 4,140 |
| Net loans and leases to total assets | 70.1559% | 1,542 |
| Net loans and leases to deposits | 90.4518% | 896 |
| Net loans and leases to core deposits | 107.0743% | 603 |
| Total domestic deposits to total assets | 77.5616% | 4,363 |
| Equity capital to assets | 11.4981% | 1,886 |
| Core capital (leverage) ratio | 11.5397% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5924% | 1,657 |
| Memoranda: | ||
| Average total assets | $3,831,444,400 | 297 |
| Average earning assets | $3,612,887,000 | 290 |
| Average equity | $403,587,800 | 295 |
| Average total loans | $2,849,099,400 | 274 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4231% | 4,323 |
| Cost of funding earning assets | 1.4574% | 142 |
| Net interest margin | 1.9657% | 4,896 |
| Noninterest income to average assets | 0.1726% | 4,432 |
| Noninterest expense to average assets | 1.2642% | 4,919 |
| Loan and lease loss provision to assets | 0.0562% | 3,646 |
| Net operating income to assets | 0.7799% | 3,167 |
| Return on assets (ROA) | 0.1062% | 4,721 |
| Pretax return on assets | 0.0303% | 4,766 |
| Return on Equity (ROE) | 1.0325% | 4,707 |
| Retained earnings to average equity (ytd only) | 1.0325% | 4,248 |
| Net charge-offs to loans | 0.0000% | 3,242 |
| Credit loss provision to net charge-offs | 160,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 21,655.0000% | 2 |
| Efficiency ratio | 61.7320% | 3,118 |
| Assets per employee ($millions) | 21.9869% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5072% | 4,805 |
| Loan loss allowance to noncurrent loans | 1,043.0444% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 4,276 |
| Noncurrent loans to loans | 0.0486% | 4,185 |
| Net loans and leases to total assets | 72.5932% | 1,572 |
| Net loans and leases to deposits | 95.6391% | 782 |
| Net loans and leases to core deposits | 114.1776% | 547 |
| Total domestic deposits to total assets | 75.9032% | 4,436 |
| Equity capital to assets | 10.6667% | 2,657 |
| Core capital (leverage) ratio | 10.5445% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3941% | 2,037 |
| Memoranda: | ||
| Average total assets | $3,798,072,500 | 295 |
| Average earning assets | $3,577,875,750 | 288 |
| Average equity | $390,512,000 | 298 |
| Average total loans | $2,862,385,500 | 272 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 4,315 |
| Cost of funding earning assets | 1.5537% | 140 |
| Net interest margin | 2.0159% | 4,942 |
| Noninterest income to average assets | 0.1227% | 4,691 |
| Noninterest expense to average assets | 1.2982% | 4,948 |
| Loan and lease loss provision to assets | 0.0530% | 3,641 |
| Net operating income to assets | 0.6295% | 3,640 |
| Return on assets (ROA) | -1.0235% | 4,960 |
| Pretax return on assets | -1.4225% | 4,978 |
| Return on Equity (ROE) | -10.0837% | 4,988 |
| Retained earnings to average equity (ytd only) | -10.0837% | 4,920 |
| Net charge-offs to loans | 0.0003% | 3,030 |
| Credit loss provision to net charge-offs | 25,000.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 3,410.7500% | 16 |
| Efficiency ratio | 63.5074% | 2,882 |
| Assets per employee ($millions) | 21.5977% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4750% | 4,856 |
| Loan loss allowance to noncurrent loans | 909.6817% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 4,347 |
| Noncurrent loans to loans | 0.0522% | 4,276 |
| Net loans and leases to total assets | 73.9313% | 1,420 |
| Net loans and leases to deposits | 97.1784% | 714 |
| Net loans and leases to core deposits | 120.4898% | 411 |
| Total domestic deposits to total assets | 76.0779% | 4,418 |
| Equity capital to assets | 10.0376% | 3,168 |
| Core capital (leverage) ratio | 10.0394% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8277% | 2,251 |
| Memoranda: | ||
| Average total assets | $3,774,200,333 | 295 |
| Average earning assets | $3,554,418,333 | 288 |
| Average equity | $383,093,000 | 301 |
| Average total loans | $2,875,363,667 | 266 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6336% | 4,491 |
| Cost of funding earning assets | 1.6813% | 143 |
| Net interest margin | 1.9524% | 5,025 |
| Noninterest income to average assets | 0.1137% | 4,775 |
| Noninterest expense to average assets | 1.2672% | 5,015 |
| Loan and lease loss provision to assets | 0.0161% | 3,595 |
| Net operating income to assets | 0.6956% | 3,290 |
| Return on assets (ROA) | -6.2000% | 5,096 |
| Pretax return on assets | -8.0600% | 5,098 |
| Return on Equity (ROE) | -60.7288% | 5,108 |
| Retained earnings to average equity (ytd only) | -60.7288% | 5,094 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1621% | 3,212 |
| Assets per employee ($millions) | 18.1354% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4453% | 4,922 |
| Loan loss allowance to noncurrent loans | 744.9074% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 4,377 |
| Noncurrent loans to loans | 0.0598% | 4,311 |
| Net loans and leases to total assets | 77.4022% | 1,068 |
| Net loans and leases to deposits | 99.5787% | 587 |
| Net loans and leases to core deposits | 126.1901% | 330 |
| Total domestic deposits to total assets | 77.7297% | 4,262 |
| Equity capital to assets | 9.4453% | 4,269 |
| Core capital (leverage) ratio | 9.1358% | 4,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7541% | 2,827 |
| Memoranda: | ||
| Average total assets | $3,717,512,000 | 292 |
| Average earning assets | $3,499,962,000 | 281 |
| Average equity | $379,530,000 | 304 |
| Average total loans | $2,869,119,000 | 267 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 4,713 |
| Cost of funding earning assets | 1.6896% | 200 |
| Net interest margin | 1.9788% | 5,095 |
| Noninterest income to average assets | 0.1880% | 4,537 |
| Noninterest expense to average assets | 1.4467% | 5,025 |
| Loan and lease loss provision to assets | 0.0168% | 3,684 |
| Net operating income to assets | 0.5137% | 4,377 |
| Return on assets (ROA) | 1.9897% | 377 |
| Pretax return on assets | 2.2883% | 317 |
| Return on Equity (ROE) | 18.9438% | 274 |
| Retained earnings to average equity (ytd only) | 18.9438% | 38 |
| Net charge-offs to loans | 0.0049% | 3,501 |
| Credit loss provision to net charge-offs | 441.1765% | 652 |
| Earnings coverage of net charge-offs (x) | 160.1324% | 468 |
| Efficiency ratio | 69.6415% | 2,234 |
| Assets per employee ($millions) | 18.3117% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4467% | 4,949 |
| Loan loss allowance to noncurrent loans | 491.5765% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.0696% | 4,277 |
| Noncurrent loans to loans | 0.0909% | 4,166 |
| Net loans and leases to total assets | 76.2662% | 1,363 |
| Net loans and leases to deposits | 100.0565% | 602 |
| Net loans and leases to core deposits | 127.3140% | 319 |
| Total domestic deposits to total assets | 76.2232% | 4,577 |
| Equity capital to assets | 10.9733% | 3,018 |
| Core capital (leverage) ratio | 10.9102% | 2,582 |
| Tier 1 risk-based capital ratio | 13.7914% | 3,371 |
| Total risk-based capital ratio | 14.2303% | 3,676 |
| Memoranda: | ||
| Average total assets | $3,578,780,400 | 283 |
| Average earning assets | $3,376,971,800 | 276 |
| Average equity | $375,879,600 | 298 |
| Average total loans | $2,785,276,600 | 266 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6785% | 4,805 |
| Cost of funding earning assets | 1.6801% | 216 |
| Net interest margin | 1.9984% | 5,183 |
| Noninterest income to average assets | 0.1291% | 4,881 |
| Noninterest expense to average assets | 1.3986% | 5,115 |
| Loan and lease loss provision to assets | 0.0339% | 3,227 |
| Net operating income to assets | 0.4904% | 4,536 |
| Return on assets (ROA) | 1.9385% | 467 |
| Pretax return on assets | 2.2657% | 400 |
| Return on Equity (ROE) | 18.6756% | 340 |
| Retained earnings to average equity (ytd only) | 18.6756% | 63 |
| Net charge-offs to loans | 0.0078% | 3,103 |
| Credit loss provision to net charge-offs | 559.0062% | 578 |
| Earnings coverage of net charge-offs (x) | 101.6714% | 743 |
| Efficiency ratio | 68.6587% | 2,312 |
| Assets per employee ($millions) | 17.7815% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4615% | 5,018 |
| Loan loss allowance to noncurrent loans | 777.7977% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 4,487 |
| Noncurrent loans to loans | 0.0593% | 4,371 |
| Net loans and leases to total assets | 77.6541% | 1,198 |
| Net loans and leases to deposits | 102.6416% | 471 |
| Net loans and leases to core deposits | 129.9134% | 293 |
| Total domestic deposits to total assets | 75.6556% | 4,681 |
| Equity capital to assets | 10.8504% | 3,249 |
| Core capital (leverage) ratio | 10.6289% | 2,991 |
| Tier 1 risk-based capital ratio | 13.5024% | 3,572 |
| Total risk-based capital ratio | 13.9642% | 3,895 |
| Memoranda: | ||
| Average total assets | $3,544,158,750 | 288 |
| Average earning assets | $3,343,458,750 | 281 |
| Average equity | $367,872,750 | 306 |
| Average total loans | $2,769,660,500 | 270 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6712% | 4,860 |
| Cost of funding earning assets | 1.6698% | 209 |
| Net interest margin | 2.0014% | 5,239 |
| Noninterest income to average assets | 0.1201% | 4,963 |
| Noninterest expense to average assets | 1.3777% | 5,171 |
| Loan and lease loss provision to assets | 0.0341% | 3,144 |
| Net operating income to assets | 0.4885% | 4,552 |
| Return on assets (ROA) | 2.2617% | 238 |
| Pretax return on assets | 2.7335% | 170 |
| Return on Equity (ROE) | 22.1329% | 160 |
| Retained earnings to average equity (ytd only) | 22.1329% | 43 |
| Net charge-offs to loans | 0.0118% | 2,715 |
| Credit loss provision to net charge-offs | 368.0982% | 774 |
| Earnings coverage of net charge-offs (x) | 68.1902% | 912 |
| Efficiency ratio | 67.8029% | 2,570 |
| Assets per employee ($millions) | 16.4197% | 87 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4542% | 5,065 |
| Loan loss allowance to noncurrent loans | 573.3966% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 4,442 |
| Noncurrent loans to loans | 0.0792% | 4,327 |
| Net loans and leases to total assets | 77.3797% | 1,330 |
| Net loans and leases to deposits | 100.6863% | 629 |
| Net loans and leases to core deposits | 128.5191% | 348 |
| Total domestic deposits to total assets | 76.8523% | 4,581 |
| Equity capital to assets | 10.5604% | 3,466 |
| Core capital (leverage) ratio | 10.4087% | 3,188 |
| Tier 1 risk-based capital ratio | 13.1999% | 3,734 |
| Total risk-based capital ratio | 13.6550% | 4,057 |
| Memoranda: | ||
| Average total assets | $3,522,330,670 | 291 |
| Average earning assets | $3,324,136,000 | 284 |
| Average equity | $359,943,670 | 313 |
| Average total loans | $2,754,202,670 | 272 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 4,885 |
| Cost of funding earning assets | 1.6390% | 199 |
| Net interest margin | 2.0325% | 5,310 |
| Noninterest income to average assets | 0.1090% | 5,045 |
| Noninterest expense to average assets | 1.3102% | 5,255 |
| Loan and lease loss provision to assets | 0.0344% | 2,940 |
| Net operating income to assets | 0.5601% | 4,360 |
| Return on assets (ROA) | 3.0656% | 89 |
| Pretax return on assets | 3.8153% | 75 |
| Return on Equity (ROE) | 30.5253% | 45 |
| Retained earnings to average equity (ytd only) | 30.5253% | 25 |
| Net charge-offs to loans | -0.0003% | 3,784 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8241% | 3,265 |
| Assets per employee ($millions) | 17.0760% | 74 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4589% | 5,125 |
| Loan loss allowance to noncurrent loans | 317.0916% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.1132% | 4,243 |
| Noncurrent loans to loans | 0.1447% | 4,087 |
| Net loans and leases to total assets | 77.8242% | 1,189 |
| Net loans and leases to deposits | 97.4474% | 846 |
| Net loans and leases to core deposits | 125.1785% | 400 |
| Total domestic deposits to total assets | 79.8628% | 4,195 |
| Equity capital to assets | 10.3917% | 3,426 |
| Core capital (leverage) ratio | 10.2422% | 3,342 |
| Tier 1 risk-based capital ratio | 13.0375% | 3,862 |
| Total risk-based capital ratio | 13.4987% | 4,192 |
| Memoranda: | ||
| Average total assets | $3,485,538,500 | 294 |
| Average earning assets | $3,290,935,500 | 286 |
| Average equity | $350,044,000 | 320 |
| Average total loans | $2,733,701,500 | 274 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 4,856 |
| Cost of funding earning assets | 1.5081% | 85 |
| Net interest margin | 2.0421% | 5,330 |
| Noninterest income to average assets | 0.1215% | 5,073 |
| Noninterest expense to average assets | 1.3191% | 5,295 |
| Loan and lease loss provision to assets | 0.0354% | 3,491 |
| Net operating income to assets | 0.5882% | 4,450 |
| Return on assets (ROA) | 1.1490% | 2,390 |
| Pretax return on assets | 1.3636% | 2,262 |
| Return on Equity (ROE) | 11.6079% | 1,864 |
| Retained earnings to average equity (ytd only) | 11.6079% | 363 |
| Net charge-offs to loans | 0.0018% | 3,685 |
| Credit loss provision to net charge-offs | 2,553.1915% | 184 |
| Earnings coverage of net charge-offs (x) | 527.6170% | 203 |
| Efficiency ratio | 63.5387% | 3,255 |
| Assets per employee ($millions) | 17.0960% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4489% | 5,177 |
| Loan loss allowance to noncurrent loans | 260.2548% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.1357% | 4,141 |
| Noncurrent loans to loans | 0.1725% | 3,977 |
| Net loans and leases to total assets | 78.3255% | 1,221 |
| Net loans and leases to deposits | 95.8146% | 1,089 |
| Net loans and leases to core deposits | 123.8956% | 447 |
| Total domestic deposits to total assets | 81.7470% | 3,708 |
| Equity capital to assets | 9.6908% | 3,964 |
| Core capital (leverage) ratio | 9.4687% | 4,150 |
| Tier 1 risk-based capital ratio | 12.4696% | 4,158 |
| Total risk-based capital ratio | 12.9353% | 4,514 |
| Memoranda: | ||
| Average total assets | $3,390,596,600 | 295 |
| Average earning assets | $3,202,760,000 | 288 |
| Average equity | $335,616,600 | 325 |
| Average total loans | $2,620,076,800 | 275 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5020% | 4,926 |
| Cost of funding earning assets | 1.4614% | 77 |
| Net interest margin | 2.0407% | 5,403 |
| Noninterest income to average assets | 0.1195% | 5,134 |
| Noninterest expense to average assets | 1.3209% | 5,360 |
| Loan and lease loss provision to assets | 0.0356% | 3,297 |
| Net operating income to assets | 0.5790% | 4,556 |
| Return on assets (ROA) | 1.2037% | 2,224 |
| Pretax return on assets | 1.4344% | 2,109 |
| Return on Equity (ROE) | 12.0948% | 1,760 |
| Retained earnings to average equity (ytd only) | 12.0948% | 467 |
| Net charge-offs to loans | 0.0016% | 3,438 |
| Credit loss provision to net charge-offs | 2,812.5000% | 146 |
| Earnings coverage of net charge-offs (x) | 573.7532% | 156 |
| Efficiency ratio | 63.7240% | 3,232 |
| Assets per employee ($millions) | 17.5287% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4481% | 5,245 |
| Loan loss allowance to noncurrent loans | 369.8795% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.0933% | 4,506 |
| Noncurrent loans to loans | 0.1212% | 4,347 |
| Net loans and leases to total assets | 76.6382% | 1,561 |
| Net loans and leases to deposits | 94.7254% | 1,295 |
| Net loans and leases to core deposits | 121.5357% | 529 |
| Total domestic deposits to total assets | 80.9056% | 3,891 |
| Equity capital to assets | 10.0742% | 3,566 |
| Core capital (leverage) ratio | 9.6541% | 3,990 |
| Tier 1 risk-based capital ratio | 12.9282% | 3,951 |
| Total risk-based capital ratio | 13.6910% | 4,119 |
| Memoranda: | ||
| Average total assets | $3,370,623,250 | 294 |
| Average earning assets | $3,184,174,500 | 286 |
| Average equity | $335,441,500 | 320 |
| Average total loans | $2,592,461,500 | 277 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4779% | 4,947 |
| Cost of funding earning assets | 1.4029% | 71 |
| Net interest margin | 2.0750% | 5,460 |
| Noninterest income to average assets | 0.1212% | 5,188 |
| Noninterest expense to average assets | 1.3261% | 5,427 |
| Loan and lease loss provision to assets | 0.0360% | 3,196 |
| Net operating income to assets | 0.5981% | 4,499 |
| Return on assets (ROA) | 1.2140% | 2,132 |
| Pretax return on assets | 1.4515% | 1,980 |
| Return on Equity (ROE) | 12.2507% | 1,640 |
| Retained earnings to average equity (ytd only) | 12.2507% | 484 |
| Net charge-offs to loans | 0.0027% | 3,100 |
| Credit loss provision to net charge-offs | 1,714.2857% | 248 |
| Earnings coverage of net charge-offs (x) | 359.6286% | 257 |
| Efficiency ratio | 62.9469% | 3,491 |
| Assets per employee ($millions) | 16.1717% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4440% | 5,323 |
| Loan loss allowance to noncurrent loans | 356.9899% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 4,528 |
| Noncurrent loans to loans | 0.1244% | 4,351 |
| Net loans and leases to total assets | 77.0561% | 1,459 |
| Net loans and leases to deposits | 95.7003% | 1,178 |
| Net loans and leases to core deposits | 121.3034% | 535 |
| Total domestic deposits to total assets | 80.5182% | 4,131 |
| Equity capital to assets | 9.7891% | 3,830 |
| Core capital (leverage) ratio | 9.5595% | 4,047 |
| Tier 1 risk-based capital ratio | 12.4531% | 4,215 |
| Total risk-based capital ratio | 13.0317% | 4,512 |
| Memoranda: | ||
| Average total assets | $3,337,270,330 | 295 |
| Average earning assets | $3,151,112,330 | 285 |
| Average equity | $330,707,670 | 320 |
| Average total loans | $2,566,002,000 | 278 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4402% | 4,965 |
| Cost of funding earning assets | 1.3534% | 68 |
| Net interest margin | 2.0868% | 5,527 |
| Noninterest income to average assets | 0.1161% | 5,271 |
| Noninterest expense to average assets | 1.3397% | 5,478 |
| Loan and lease loss provision to assets | 0.0363% | 3,016 |
| Net operating income to assets | 0.5925% | 4,445 |
| Return on assets (ROA) | 1.2753% | 1,734 |
| Pretax return on assets | 1.5241% | 1,619 |
| Return on Equity (ROE) | 12.7893% | 1,323 |
| Retained earnings to average equity (ytd only) | 12.7893% | 552 |
| Net charge-offs to loans | -0.0002% | 3,734 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3857% | 3,581 |
| Assets per employee ($millions) | 16.4879% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4474% | 5,392 |
| Loan loss allowance to noncurrent loans | 221.2180% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 4,300 |
| Noncurrent loans to loans | 0.2022% | 4,061 |
| Net loans and leases to total assets | 76.5883% | 1,440 |
| Net loans and leases to deposits | 94.5023% | 1,186 |
| Net loans and leases to core deposits | 117.2846% | 681 |
| Total domestic deposits to total assets | 81.0438% | 4,190 |
| Equity capital to assets | 9.9042% | 3,695 |
| Core capital (leverage) ratio | 9.4588% | 4,110 |
| Tier 1 risk-based capital ratio | 12.1931% | 4,440 |
| Total risk-based capital ratio | 12.8829% | 4,675 |
| Memoranda: | ||
| Average total assets | $3,307,877,500 | 295 |
| Average earning assets | $3,124,605,000 | 287 |
| Average equity | $329,839,500 | 325 |
| Average total loans | $2,534,733,000 | 279 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 4,965 |
| Cost of funding earning assets | 1.3238% | 47 |
| Net interest margin | 2.0587% | 5,566 |
| Noninterest income to average assets | 0.1600% | 5,161 |
| Noninterest expense to average assets | 1.6663% | 5,366 |
| Loan and lease loss provision to assets | 0.0412% | 3,442 |
| Net operating income to assets | 0.3941% | 4,715 |
| Return on assets (ROA) | 1.2128% | 1,506 |
| Pretax return on assets | 1.2210% | 2,683 |
| Return on Equity (ROE) | 12.2128% | 1,149 |
| Retained earnings to average equity (ytd only) | 12.2128% | 168 |
| Net charge-offs to loans | 0.0023% | 4,037 |
| Credit loss provision to net charge-offs | 2,396.2264% | 161 |
| Earnings coverage of net charge-offs (x) | 253.4151% | 331 |
| Efficiency ratio | 78.4405% | 1,291 |
| Assets per employee ($millions) | 16.3450% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4407% | 5,458 |
| Loan loss allowance to noncurrent loans | 199.5508% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 4,292 |
| Noncurrent loans to loans | 0.2208% | 4,023 |
| Net loans and leases to total assets | 75.9844% | 1,599 |
| Net loans and leases to deposits | 93.9719% | 1,278 |
| Net loans and leases to core deposits | 115.5731% | 735 |
| Total domestic deposits to total assets | 80.8586% | 4,150 |
| Equity capital to assets | 10.0387% | 3,663 |
| Core capital (leverage) ratio | 9.2047% | 4,390 |
| Tier 1 risk-based capital ratio | 12.1202% | 4,446 |
| Total risk-based capital ratio | 13.1230% | 4,498 |
| Memoranda: | ||
| Average total assets | $3,086,058,400 | 302 |
| Average earning assets | $2,910,219,400 | 290 |
| Average equity | $306,473,800 | 328 |
| Average total loans | $2,336,235,400 | 281 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3790% | 4,988 |
| Cost of funding earning assets | 1.3079% | 44 |
| Net interest margin | 2.0711% | 5,628 |
| Noninterest income to average assets | 0.1243% | 5,383 |
| Noninterest expense to average assets | 1.6007% | 5,451 |
| Loan and lease loss provision to assets | 0.0383% | 3,340 |
| Net operating income to assets | 0.3860% | 5,023 |
| Return on assets (ROA) | 1.1383% | 1,977 |
| Pretax return on assets | 1.3026% | 2,478 |
| Return on Equity (ROE) | 11.4958% | 1,489 |
| Retained earnings to average equity (ytd only) | 11.4958% | 345 |
| Net charge-offs to loans | 0.0040% | 3,600 |
| Credit loss provision to net charge-offs | 1,260.8696% | 289 |
| Earnings coverage of net charge-offs (x) | 156.9382% | 524 |
| Efficiency ratio | 76.1983% | 1,563 |
| Assets per employee ($millions) | 16.1740% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4314% | 5,535 |
| Loan loss allowance to noncurrent loans | 146.8068% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,179 |
| Noncurrent loans to loans | 0.2939% | 3,888 |
| Net loans and leases to total assets | 75.1329% | 1,738 |
| Net loans and leases to deposits | 92.7427% | 1,452 |
| Net loans and leases to core deposits | 116.6264% | 723 |
| Total domestic deposits to total assets | 81.0122% | 4,042 |
| Equity capital to assets | 9.5979% | 4,350 |
| Core capital (leverage) ratio | 9.2097% | 4,508 |
| Tier 1 risk-based capital ratio | 11.8266% | 4,747 |
| Total risk-based capital ratio | 12.6025% | 4,930 |
| Memoranda: | ||
| Average total assets | $3,032,150,250 | 307 |
| Average earning assets | $2,858,699,750 | 294 |
| Average equity | $300,230,250 | 334 |
| Average total loans | $2,290,325,500 | 286 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3732% | 4,999 |
| Cost of funding earning assets | 1.2676% | 43 |
| Net interest margin | 2.1057% | 5,671 |
| Noninterest income to average assets | 0.1264% | 5,418 |
| Noninterest expense to average assets | 1.6258% | 5,474 |
| Loan and lease loss provision to assets | 0.0387% | 3,239 |
| Net operating income to assets | 0.3766% | 5,028 |
| Return on assets (ROA) | 1.1983% | 1,635 |
| Pretax return on assets | 1.4229% | 1,925 |
| Return on Equity (ROE) | 11.9662% | 1,310 |
| Retained earnings to average equity (ytd only) | 11.9662% | 324 |
| Net charge-offs to loans | 0.0031% | 3,389 |
| Credit loss provision to net charge-offs | 1,676.4706% | 246 |
| Earnings coverage of net charge-offs (x) | 209.5588% | 398 |
| Efficiency ratio | 76.1972% | 1,692 |
| Assets per employee ($millions) | 15.1269% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4476% | 5,567 |
| Loan loss allowance to noncurrent loans | 261.1222% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.1294% | 4,668 |
| Noncurrent loans to loans | 0.1714% | 4,435 |
| Net loans and leases to total assets | 75.1220% | 1,678 |
| Net loans and leases to deposits | 93.7011% | 1,291 |
| Net loans and leases to core deposits | 120.4880% | 543 |
| Total domestic deposits to total assets | 80.1720% | 4,369 |
| Equity capital to assets | 9.8506% | 4,091 |
| Core capital (leverage) ratio | 9.6631% | 3,946 |
| Tier 1 risk-based capital ratio | 12.4649% | 4,324 |
| Total risk-based capital ratio | 13.2127% | 4,547 |
| Memoranda: | ||
| Average total assets | $2,948,428,330 | 316 |
| Average earning assets | $2,776,221,330 | 306 |
| Average equity | $295,264,000 | 338 |
| Average total loans | $2,227,920,670 | 292 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3477% | 5,034 |
| Cost of funding earning assets | 1.2515% | 46 |
| Net interest margin | 2.0963% | 5,743 |
| Noninterest income to average assets | 0.1340% | 5,443 |
| Noninterest expense to average assets | 1.4222% | 5,680 |
| Loan and lease loss provision to assets | 0.0375% | 3,047 |
| Net operating income to assets | 0.4620% | 4,734 |
| Return on assets (ROA) | 1.4176% | 994 |
| Pretax return on assets | 1.9765% | 528 |
| Return on Equity (ROE) | 14.0334% | 804 |
| Retained earnings to average equity (ytd only) | 14.0334% | 294 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5284% | 3,407 |
| Assets per employee ($millions) | 14.9688% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4552% | 5,640 |
| Loan loss allowance to noncurrent loans | 266.4743% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 4,743 |
| Noncurrent loans to loans | 0.1708% | 4,507 |
| Net loans and leases to total assets | 75.3275% | 1,523 |
| Net loans and leases to deposits | 93.8088% | 1,127 |
| Net loans and leases to core deposits | 122.3286% | 403 |
| Total domestic deposits to total assets | 80.2990% | 4,561 |
| Equity capital to assets | 10.0536% | 3,692 |
| Core capital (leverage) ratio | 9.7124% | 3,859 |
| Tier 1 risk-based capital ratio | 12.9595% | 4,099 |
| Total risk-based capital ratio | 13.7462% | 4,295 |
| Memoranda: | ||
| Average total assets | $2,879,697,000 | 322 |
| Average earning assets | $2,713,000,500 | 310 |
| Average equity | $290,907,000 | 339 |
| Average total loans | $2,177,577,000 | 297 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4728% | 4,839 |
| Cost of funding earning assets | 1.2580% | 41 |
| Net interest margin | 2.2148% | 5,743 |
| Noninterest income to average assets | 0.1569% | 5,426 |
| Noninterest expense to average assets | 1.6379% | 5,617 |
| Loan and lease loss provision to assets | 0.0374% | 3,622 |
| Net operating income to assets | 0.4905% | 4,673 |
| Return on assets (ROA) | 0.9823% | 2,529 |
| Pretax return on assets | 1.1281% | 2,977 |
| Return on Equity (ROE) | 9.7818% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.7818% | 450 |
| Net charge-offs to loans | 0.0021% | 4,200 |
| Credit loss provision to net charge-offs | 2,325.5814% | 185 |
| Earnings coverage of net charge-offs (x) | 373.4419% | 216 |
| Efficiency ratio | 72.2629% | 2,556 |
| Assets per employee ($millions) | 14.2667% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4656% | 5,686 |
| Loan loss allowance to noncurrent loans | 335.5277% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 0.1102% | 4,869 |
| Noncurrent loans to loans | 0.1388% | 4,672 |
| Net loans and leases to total assets | 75.2101% | 1,655 |
| Net loans and leases to deposits | 94.2701% | 1,170 |
| Net loans and leases to core deposits | 121.9853% | 432 |
| Total domestic deposits to total assets | 79.7814% | 4,611 |
| Equity capital to assets | 10.1528% | 3,544 |
| Core capital (leverage) ratio | 9.7793% | 3,771 |
| Tier 1 risk-based capital ratio | 12.4008% | 4,442 |
| Total risk-based capital ratio | 13.1419% | 4,687 |
| Memoranda: | ||
| Average total assets | $2,675,549,600 | 327 |
| Average earning assets | $2,514,046,000 | 313 |
| Average equity | $268,692,600 | 341 |
| Average total loans | $2,002,516,800 | 305 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4838% | 4,853 |
| Cost of funding earning assets | 1.2626% | 40 |
| Net interest margin | 2.2212% | 5,808 |
| Noninterest income to average assets | 0.1560% | 5,493 |
| Noninterest expense to average assets | 1.6310% | 5,666 |
| Loan and lease loss provision to assets | 0.0454% | 3,334 |
| Net operating income to assets | 0.4858% | 4,744 |
| Return on assets (ROA) | 0.9544% | 2,773 |
| Pretax return on assets | 1.1173% | 3,160 |
| Return on Equity (ROE) | 9.5317% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.5317% | 681 |
| Net charge-offs to loans | 0.0032% | 3,819 |
| Credit loss provision to net charge-offs | 1,875.0000% | 249 |
| Earnings coverage of net charge-offs (x) | 252.3895% | 317 |
| Efficiency ratio | 71.8035% | 2,603 |
| Assets per employee ($millions) | 14.0088% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4477% | 5,768 |
| Loan loss allowance to noncurrent loans | 315.1307% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 4,976 |
| Noncurrent loans to loans | 0.1421% | 4,771 |
| Net loans and leases to total assets | 74.2158% | 1,834 |
| Net loans and leases to deposits | 91.9812% | 1,503 |
| Net loans and leases to core deposits | 119.8788% | 510 |
| Total domestic deposits to total assets | 80.6858% | 4,327 |
| Equity capital to assets | 10.0459% | 4,087 |
| Core capital (leverage) ratio | 9.7094% | 3,927 |
| Tier 1 risk-based capital ratio | 12.7564% | 4,304 |
| Total risk-based capital ratio | 13.4032% | 4,602 |
| Memoranda: | ||
| Average total assets | $2,641,803,250 | 328 |
| Average earning assets | $2,481,489,500 | 318 |
| Average equity | $264,528,750 | 345 |
| Average total loans | $1,972,222,750 | 307 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4855% | 4,910 |
| Cost of funding earning assets | 1.2597% | 38 |
| Net interest margin | 2.2257% | 5,891 |
| Noninterest income to average assets | 0.1479% | 5,560 |
| Noninterest expense to average assets | 1.6049% | 5,758 |
| Loan and lease loss provision to assets | 0.0460% | 3,226 |
| Net operating income to assets | 0.4885% | 4,725 |
| Return on assets (ROA) | 0.8584% | 3,179 |
| Pretax return on assets | 1.0324% | 3,470 |
| Return on Equity (ROE) | 8.5826% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.5826% | 981 |
| Net charge-offs to loans | 0.0013% | 3,662 |
| Credit loss provision to net charge-offs | 4,615.3846% | 95 |
| Earnings coverage of net charge-offs (x) | 634.4615% | 95 |
| Efficiency ratio | 70.7772% | 2,864 |
| Assets per employee ($millions) | 13.5079% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4403% | 5,853 |
| Loan loss allowance to noncurrent loans | 261.6583% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 4,983 |
| Noncurrent loans to loans | 0.1683% | 4,769 |
| Net loans and leases to total assets | 74.4820% | 1,733 |
| Net loans and leases to deposits | 91.7143% | 1,553 |
| Net loans and leases to core deposits | 121.1594% | 486 |
| Total domestic deposits to total assets | 81.2109% | 4,215 |
| Equity capital to assets | 9.9640% | 4,273 |
| Core capital (leverage) ratio | 9.8247% | 3,783 |
| Tier 1 risk-based capital ratio | 12.2990% | 4,646 |
| Total risk-based capital ratio | 12.9608% | 4,919 |
| Memoranda: | ||
| Average total assets | $2,607,159,670 | 331 |
| Average earning assets | $2,447,813,670 | 321 |
| Average equity | $260,760,330 | 348 |
| Average total loans | $1,947,319,670 | 307 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4703% | 4,957 |
| Cost of funding earning assets | 1.2549% | 42 |
| Net interest margin | 2.2154% | 5,958 |
| Noninterest income to average assets | 0.1423% | 5,632 |
| Noninterest expense to average assets | 1.5066% | 5,907 |
| Loan and lease loss provision to assets | 0.0469% | 2,981 |
| Net operating income to assets | 0.5664% | 4,343 |
| Return on assets (ROA) | 0.7152% | 3,753 |
| Pretax return on assets | 0.8427% | 4,054 |
| Return on Equity (ROE) | 7.1363% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.1363% | 1,825 |
| Net charge-offs to loans | 0.0015% | 3,066 |
| Credit loss provision to net charge-offs | 4,285.7143% | 93 |
| Earnings coverage of net charge-offs (x) | 653.2857% | 73 |
| Efficiency ratio | 66.8590% | 3,656 |
| Assets per employee ($millions) | 13.4073% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4379% | 5,918 |
| Loan loss allowance to noncurrent loans | 202.9960% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1670% | 4,902 |
| Noncurrent loans to loans | 0.2157% | 4,659 |
| Net loans and leases to total assets | 74.4567% | 1,656 |
| Net loans and leases to deposits | 91.2441% | 1,432 |
| Net loans and leases to core deposits | 121.0772% | 439 |
| Total domestic deposits to total assets | 81.6016% | 4,327 |
| Equity capital to assets | 9.9319% | 4,172 |
| Core capital (leverage) ratio | 9.7481% | 3,847 |
| Tier 1 risk-based capital ratio | 12.3855% | 4,664 |
| Total risk-based capital ratio | 13.0047% | 4,984 |
| Memoranda: | ||
| Average total assets | $2,559,951,500 | 332 |
| Average earning assets | $2,402,112,000 | 323 |
| Average equity | $256,548,500 | 346 |
| Average total loans | $1,910,436,500 | 308 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 5,102 |
| Cost of funding earning assets | 1.1648% | 65 |
| Net interest margin | 2.2638% | 5,963 |
| Noninterest income to average assets | 0.1844% | 5,490 |
| Noninterest expense to average assets | 1.6741% | 5,865 |
| Loan and lease loss provision to assets | 0.0491% | 3,342 |
| Net operating income to assets | 0.4624% | 4,839 |
| Return on assets (ROA) | 1.0488% | 2,216 |
| Pretax return on assets | 1.3087% | 2,245 |
| Return on Equity (ROE) | 9.6323% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.6323% | 513 |
| Net charge-offs to loans | 0.0071% | 4,197 |
| Credit loss provision to net charge-offs | 964.9123% | 357 |
| Earnings coverage of net charge-offs (x) | 122.7018% | 495 |
| Efficiency ratio | 72.8167% | 2,770 |
| Assets per employee ($millions) | 12.9796% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4479% | 5,956 |
| Loan loss allowance to noncurrent loans | 172.4839% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 4,793 |
| Noncurrent loans to loans | 0.2597% | 4,511 |
| Net loans and leases to total assets | 74.1295% | 1,705 |
| Net loans and leases to deposits | 89.3742% | 1,701 |
| Net loans and leases to core deposits | 117.8341% | 546 |
| Total domestic deposits to total assets | 82.9428% | 3,848 |
| Equity capital to assets | 10.1162% | 3,846 |
| Core capital (leverage) ratio | 10.0609% | 3,423 |
| Tier 1 risk-based capital ratio | 13.1344% | 4,212 |
| Total risk-based capital ratio | 13.5853% | 4,631 |
| Memoranda: | ||
| Average total assets | $2,238,246,000 | 348 |
| Average earning assets | $2,090,754,000 | 340 |
| Average equity | $243,701,400 | 354 |
| Average total loans | $1,600,408,000 | 336 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4105% | 5,184 |
| Cost of funding earning assets | 1.1438% | 76 |
| Net interest margin | 2.2667% | 6,053 |
| Noninterest income to average assets | 0.1939% | 5,494 |
| Noninterest expense to average assets | 1.7227% | 5,878 |
| Loan and lease loss provision to assets | 0.0736% | 2,697 |
| Net operating income to assets | 0.4099% | 5,129 |
| Return on assets (ROA) | 1.1895% | 1,748 |
| Pretax return on assets | 1.5002% | 1,681 |
| Return on Equity (ROE) | 10.7077% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.7077% | 519 |
| Net charge-offs to loans | 0.0082% | 3,884 |
| Credit loss provision to net charge-offs | 1,276.5957% | 288 |
| Earnings coverage of net charge-offs (x) | 101.8300% | 616 |
| Efficiency ratio | 74.5912% | 2,457 |
| Assets per employee ($millions) | 12.4597% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4778% | 6,034 |
| Loan loss allowance to noncurrent loans | 121.5686% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 4,536 |
| Noncurrent loans to loans | 0.3930% | 4,206 |
| Net loans and leases to total assets | 74.1916% | 1,705 |
| Net loans and leases to deposits | 88.0532% | 1,893 |
| Net loans and leases to core deposits | 116.1506% | 586 |
| Total domestic deposits to total assets | 84.2577% | 3,317 |
| Equity capital to assets | 10.1621% | 3,983 |
| Core capital (leverage) ratio | 10.1471% | 3,441 |
| Tier 1 risk-based capital ratio | 12.9351% | 4,462 |
| Total risk-based capital ratio | 13.4086% | 4,894 |
| Memoranda: | ||
| Average total assets | $2,174,788,500 | 364 |
| Average earning assets | $2,029,871,000 | 357 |
| Average equity | $241,601,000 | 365 |
| Average total loans | $1,536,591,250 | 350 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3899% | 5,254 |
| Cost of funding earning assets | 1.1189% | 82 |
| Net interest margin | 2.2710% | 6,113 |
| Noninterest income to average assets | 0.1971% | 5,503 |
| Noninterest expense to average assets | 1.8171% | 5,826 |
| Loan and lease loss provision to assets | 0.0569% | 2,960 |
| Net operating income to assets | 0.3410% | 5,322 |
| Return on assets (ROA) | 1.3370% | 1,268 |
| Pretax return on assets | 1.7014% | 1,086 |
| Return on Equity (ROE) | 11.6630% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.6630% | 431 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5065% | 1,988 |
| Assets per employee ($millions) | 11.6682% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5034% | 6,086 |
| Loan loss allowance to noncurrent loans | 92.7994% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 4,287 |
| Noncurrent loans to loans | 0.5425% | 3,828 |
| Net loans and leases to total assets | 71.4112% | 2,085 |
| Net loans and leases to deposits | 83.0463% | 2,430 |
| Net loans and leases to core deposits | 105.5531% | 1,097 |
| Total domestic deposits to total assets | 85.9896% | 2,697 |
| Equity capital to assets | 11.0990% | 2,781 |
| Core capital (leverage) ratio | 11.0769% | 2,350 |
| Tier 1 risk-based capital ratio | 13.6182% | 4,151 |
| Total risk-based capital ratio | 14.1024% | 4,514 |
| Memoranda: | ||
| Average total assets | $2,110,602,670 | 374 |
| Average earning assets | $1,967,946,330 | 365 |
| Average equity | $241,943,670 | 368 |
| Average total loans | $1,460,520,330 | 357 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3559% | 5,312 |
| Cost of funding earning assets | 1.1063% | 93 |
| Net interest margin | 2.2496% | 6,180 |
| Noninterest income to average assets | 0.2094% | 5,455 |
| Noninterest expense to average assets | 1.6887% | 6,025 |
| Loan and lease loss provision to assets | 0.0580% | 2,773 |
| Net operating income to assets | 0.4262% | 4,966 |
| Return on assets (ROA) | 1.4484% | 1,005 |
| Pretax return on assets | 1.9230% | 687 |
| Return on Equity (ROE) | 12.4255% | 1,236 |
| Retained earnings to average equity (ytd only) | 12.4255% | 513 |
| Net charge-offs to loans | -0.0003% | 4,309 |
| Credit loss provision to net charge-offs | -30,000.0000% | 5,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2065% | 2,954 |
| Assets per employee ($millions) | 11.7526% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 6,126 |
| Loan loss allowance to noncurrent loans | 105.2000% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 0.3613% | 4,563 |
| Noncurrent loans to loans | 0.5154% | 4,033 |
| Net loans and leases to total assets | 66.5065% | 2,692 |
| Net loans and leases to deposits | 77.8878% | 2,822 |
| Net loans and leases to core deposits | 97.6010% | 1,510 |
| Total domestic deposits to total assets | 85.3876% | 3,227 |
| Equity capital to assets | 11.4975% | 2,463 |
| Core capital (leverage) ratio | 11.1352% | 2,282 |
| Tier 1 risk-based capital ratio | 14.4083% | 3,773 |
| Total risk-based capital ratio | 15.1254% | 4,026 |
| Memoranda: | ||
| Average total assets | $2,069,097,000 | 377 |
| Average earning assets | $1,929,028,000 | 366 |
| Average equity | $241,180,500 | 364 |
| Average total loans | $1,403,575,000 | 367 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3877% | 5,556 |
| Cost of funding earning assets | 1.1223% | 120 |
| Net interest margin | 2.2654% | 6,281 |
| Noninterest income to average assets | 0.2170% | 5,555 |
| Noninterest expense to average assets | 1.8253% | 6,039 |
| Loan and lease loss provision to assets | 0.0650% | 3,204 |
| Net operating income to assets | 0.3562% | 5,362 |
| Return on assets (ROA) | 1.5224% | 868 |
| Pretax return on assets | 1.9075% | 632 |
| Return on Equity (ROE) | 12.2558% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.2558% | 279 |
| Net charge-offs to loans | 0.0086% | 4,745 |
| Credit loss provision to net charge-offs | 1,121.4953% | 250 |
| Earnings coverage of net charge-offs (x) | 88.7850% | 579 |
| Efficiency ratio | 78.0026% | 2,210 |
| Assets per employee ($millions) | 11.5596% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5231% | 6,228 |
| Loan loss allowance to noncurrent loans | 106.6997% | 3,561 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 4,635 |
| Noncurrent loans to loans | 0.4903% | 4,190 |
| Net loans and leases to total assets | 68.4741% | 2,493 |
| Net loans and leases to deposits | 80.6415% | 2,649 |
| Net loans and leases to core deposits | 100.3667% | 1,370 |
| Total domestic deposits to total assets | 84.9117% | 3,324 |
| Equity capital to assets | 11.8206% | 2,155 |
| Core capital (leverage) ratio | 10.8290% | 2,583 |
| Tier 1 risk-based capital ratio | 17.7936% | 2,204 |
| Total risk-based capital ratio | 19.0195% | 2,178 |
| Memoranda: | ||
| Average total assets | $1,845,529,000 | 397 |
| Average earning assets | $1,729,602,200 | 382 |
| Average equity | $229,254,600 | 360 |
| Average total loans | $1,243,759,200 | 379 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3297% | 5,715 |
| Cost of funding earning assets | 1.1294% | 121 |
| Net interest margin | 2.2003% | 6,390 |
| Noninterest income to average assets | 0.2120% | 5,661 |
| Noninterest expense to average assets | 1.8305% | 6,049 |
| Loan and lease loss provision to assets | 0.0667% | 3,014 |
| Net operating income to assets | 0.3004% | 5,578 |
| Return on assets (ROA) | 1.6913% | 652 |
| Pretax return on assets | 2.1633% | 400 |
| Return on Equity (ROE) | 13.4315% | 1,110 |
| Retained earnings to average equity (ytd only) | 13.4315% | 285 |
| Net charge-offs to loans | 0.0120% | 4,324 |
| Credit loss provision to net charge-offs | 833.3333% | 375 |
| Earnings coverage of net charge-offs (x) | 55.7949% | 915 |
| Efficiency ratio | 80.3809% | 1,859 |
| Assets per employee ($millions) | 11.3178% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5087% | 6,328 |
| Loan loss allowance to noncurrent loans | 184.4316% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 5,387 |
| Noncurrent loans to loans | 0.2758% | 5,083 |
| Net loans and leases to total assets | 68.9743% | 2,373 |
| Net loans and leases to deposits | 82.4358% | 2,369 |
| Net loans and leases to core deposits | 101.4212% | 1,252 |
| Total domestic deposits to total assets | 83.6703% | 3,893 |
| Equity capital to assets | 11.6098% | 2,387 |
| Core capital (leverage) ratio | 11.3713% | 2,159 |
| Tier 1 risk-based capital ratio | 17.6049% | 2,355 |
| Total risk-based capital ratio | 18.6100% | 2,406 |
| Memoranda: | ||
| Average total assets | $1,798,289,500 | 400 |
| Average earning assets | $1,687,944,250 | 383 |
| Average equity | $226,446,250 | 358 |
| Average total loans | $1,204,593,500 | 386 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3283% | 5,756 |
| Cost of funding earning assets | 1.1437% | 118 |
| Net interest margin | 2.1847% | 6,460 |
| Noninterest income to average assets | 0.2004% | 5,759 |
| Noninterest expense to average assets | 1.5111% | 6,412 |
| Loan and lease loss provision to assets | 0.0692% | 2,885 |
| Net operating income to assets | 0.5022% | 4,802 |
| Return on assets (ROA) | 2.0463% | 322 |
| Pretax return on assets | 2.7916% | 144 |
| Return on Equity (ROE) | 15.7791% | 676 |
| Retained earnings to average equity (ytd only) | 15.7791% | 181 |
| Net charge-offs to loans | 0.0189% | 3,843 |
| Credit loss provision to net charge-offs | 555.5556% | 541 |
| Earnings coverage of net charge-offs (x) | 59.8519% | 807 |
| Efficiency ratio | 66.9580% | 4,205 |
| Assets per employee ($millions) | 14.3587% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5642% | 6,353 |
| Loan loss allowance to noncurrent loans | 114.3513% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 4,938 |
| Noncurrent loans to loans | 0.4934% | 4,512 |
| Net loans and leases to total assets | 66.0325% | 2,745 |
| Net loans and leases to deposits | 79.1404% | 2,639 |
| Net loans and leases to core deposits | 101.8264% | 1,143 |
| Total domestic deposits to total assets | 83.4371% | 4,137 |
| Equity capital to assets | 12.8731% | 1,443 |
| Core capital (leverage) ratio | 12.7255% | 1,277 |
| Tier 1 risk-based capital ratio | 21.3508% | 1,373 |
| Total risk-based capital ratio | 22.8026% | 1,314 |
| Memoranda: | ||
| Average total assets | $1,733,744,670 | 410 |
| Average earning assets | $1,631,930,670 | 394 |
| Average equity | $224,842,330 | 356 |
| Average total loans | $1,145,811,330 | 404 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 5,794 |
| Cost of funding earning assets | 1.1449% | 126 |
| Net interest margin | 2.1812% | 6,535 |
| Noninterest income to average assets | 0.2266% | 5,539 |
| Noninterest expense to average assets | 1.4342% | 6,539 |
| Loan and lease loss provision to assets | 0.0705% | 2,725 |
| Net operating income to assets | 0.5314% | 4,548 |
| Return on assets (ROA) | 2.5446% | 147 |
| Pretax return on assets | 3.6475% | 97 |
| Return on Equity (ROE) | 19.5456% | 326 |
| Retained earnings to average equity (ytd only) | 19.5456% | 129 |
| Net charge-offs to loans | 0.0385% | 2,846 |
| Credit loss provision to net charge-offs | 277.7778% | 833 |
| Earnings coverage of net charge-offs (x) | 33.1944% | 988 |
| Efficiency ratio | 63.0107% | 4,999 |
| Assets per employee ($millions) | 13.9452% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5632% | 6,450 |
| Loan loss allowance to noncurrent loans | 129.2496% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 5,169 |
| Noncurrent loans to loans | 0.4358% | 4,841 |
| Net loans and leases to total assets | 66.1315% | 2,546 |
| Net loans and leases to deposits | 79.7677% | 2,327 |
| Net loans and leases to core deposits | 103.2447% | 907 |
| Total domestic deposits to total assets | 82.9051% | 4,638 |
| Equity capital to assets | 13.0652% | 1,281 |
| Core capital (leverage) ratio | 12.7173% | 1,289 |
| Tier 1 risk-based capital ratio | 21.0111% | 1,472 |
| Total risk-based capital ratio | 22.4779% | 1,405 |
| Memoranda: | ||
| Average total assets | $1,703,197,000 | 416 |
| Average earning assets | $1,600,422,500 | 403 |
| Average equity | $221,737,500 | 360 |
| Average total loans | $1,122,766,000 | 408 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3736% | 5,891 |
| Cost of funding earning assets | 1.1595% | 215 |
| Net interest margin | 2.2140% | 6,573 |
| Noninterest income to average assets | 0.2643% | 5,452 |
| Noninterest expense to average assets | 1.5234% | 6,563 |
| Loan and lease loss provision to assets | 0.0461% | 4,197 |
| Net operating income to assets | 0.5724% | 4,398 |
| Return on assets (ROA) | 1.6846% | 608 |
| Pretax return on assets | 2.2783% | 275 |
| Return on Equity (ROE) | 12.6639% | 1,237 |
| Retained earnings to average equity (ytd only) | 12.6639% | 261 |
| Net charge-offs to loans | 0.0056% | 5,355 |
| Credit loss provision to net charge-offs | 1,296.2963% | 195 |
| Earnings coverage of net charge-offs (x) | 231.1111% | 195 |
| Efficiency ratio | 64.9674% | 4,740 |
| Assets per employee ($millions) | 13.7491% | 97 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5642% | 6,508 |
| Loan loss allowance to noncurrent loans | 113.5130% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 5,235 |
| Noncurrent loans to loans | 0.4970% | 4,755 |
| Net loans and leases to total assets | 64.9592% | 2,878 |
| Net loans and leases to deposits | 78.3590% | 2,681 |
| Net loans and leases to core deposits | 101.5305% | 1,055 |
| Total domestic deposits to total assets | 82.8994% | 4,576 |
| Equity capital to assets | 12.9719% | 1,285 |
| Core capital (leverage) ratio | 12.3984% | 1,405 |
| Tier 1 risk-based capital ratio | 20.6635% | 1,499 |
| Total risk-based capital ratio | 22.6656% | 1,335 |
| Memoranda: | ||
| Average total assets | $1,519,271,200 | 450 |
| Average earning assets | $1,427,631,200 | 432 |
| Average equity | $202,094,200 | 381 |
| Average total loans | $970,569,000 | 440 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3709% | 5,942 |
| Cost of funding earning assets | 1.1496% | 241 |
| Net interest margin | 2.2212% | 6,635 |
| Noninterest income to average assets | 0.2459% | 5,678 |
| Noninterest expense to average assets | 1.5649% | 6,586 |
| Loan and lease loss provision to assets | 0.0406% | 4,194 |
| Net operating income to assets | 0.5441% | 4,607 |
| Return on assets (ROA) | 1.7578% | 599 |
| Pretax return on assets | 2.3676% | 287 |
| Return on Equity (ROE) | 13.1210% | 1,212 |
| Retained earnings to average equity (ytd only) | 13.1210% | 326 |
| Net charge-offs to loans | 0.0060% | 5,060 |
| Credit loss provision to net charge-offs | 1,071.4286% | 288 |
| Earnings coverage of net charge-offs (x) | 202.4950% | 288 |
| Efficiency ratio | 67.0770% | 4,289 |
| Assets per employee ($millions) | 12.9437% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5749% | 6,597 |
| Loan loss allowance to noncurrent loans | 92.1457% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 5,136 |
| Noncurrent loans to loans | 0.6239% | 4,644 |
| Net loans and leases to total assets | 65.1175% | 2,779 |
| Net loans and leases to deposits | 78.6784% | 2,563 |
| Net loans and leases to core deposits | 100.6625% | 1,067 |
| Total domestic deposits to total assets | 82.7641% | 4,659 |
| Equity capital to assets | 13.0698% | 1,309 |
| Core capital (leverage) ratio | 12.8361% | 1,266 |
| Tier 1 risk-based capital ratio | 21.3595% | 1,429 |
| Total risk-based capital ratio | 23.0511% | 1,331 |
| Memoranda: | ||
| Average total assets | $1,476,305,000 | 459 |
| Average earning assets | $1,387,174,500 | 444 |
| Average equity | $197,774,500 | 391 |
| Average total loans | $937,016,000 | 453 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3901% | 5,931 |
| Cost of funding earning assets | 1.1526% | 253 |
| Net interest margin | 2.2376% | 6,662 |
| Noninterest income to average assets | 0.2334% | 5,775 |
| Noninterest expense to average assets | 1.6720% | 6,532 |
| Loan and lease loss provision to assets | 0.0417% | 4,119 |
| Net operating income to assets | 0.4549% | 4,996 |
| Return on assets (ROA) | 2.0060% | 377 |
| Pretax return on assets | 2.7176% | 204 |
| Return on Equity (ROE) | 14.8400% | 836 |
| Retained earnings to average equity (ytd only) | 14.8400% | 245 |
| Net charge-offs to loans | 0.0009% | 4,904 |
| Credit loss provision to net charge-offs | 7,500.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,192.2500% | 25 |
| Efficiency ratio | 71.5928% | 3,541 |
| Assets per employee ($millions) | 12.0865% | 135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 6,567 |
| Loan loss allowance to noncurrent loans | 97.8217% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 0.4316% | 5,197 |
| Noncurrent loans to loans | 0.6545% | 4,632 |
| Net loans and leases to total assets | 61.9135% | 3,300 |
| Net loans and leases to deposits | 75.6600% | 2,927 |
| Net loans and leases to core deposits | 88.2987% | 2,076 |
| Total domestic deposits to total assets | 81.8313% | 5,103 |
| Equity capital to assets | 13.5802% | 1,092 |
| Core capital (leverage) ratio | 13.2924% | 1,058 |
| Tier 1 risk-based capital ratio | 22.8127% | 1,162 |
| Total risk-based capital ratio | 24.4036% | 1,093 |
| Memoranda: | ||
| Average total assets | $1,437,714,000 | 466 |
| Average earning assets | $1,350,564,000 | 455 |
| Average equity | $194,339,000 | 395 |
| Average total loans | $901,782,670 | 465 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4271% | 5,881 |
| Cost of funding earning assets | 1.1431% | 296 |
| Net interest margin | 2.2840% | 6,694 |
| Noninterest income to average assets | 0.2133% | 5,954 |
| Noninterest expense to average assets | 1.8398% | 6,383 |
| Loan and lease loss provision to assets | 0.0423% | 3,899 |
| Net operating income to assets | 0.3606% | 5,306 |
| Return on assets (ROA) | 2.3648% | 200 |
| Pretax return on assets | 3.1875% | 134 |
| Return on Equity (ROE) | 17.5374% | 469 |
| Retained earnings to average equity (ytd only) | 17.5374% | 211 |
| Net charge-offs to loans | 0.0009% | 4,141 |
| Credit loss provision to net charge-offs | 7,500.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 925.0000% | 23 |
| Efficiency ratio | 77.9184% | 2,619 |
| Assets per employee ($millions) | 12.9081% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 6,658 |
| Loan loss allowance to noncurrent loans | 93.9856% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4503% | 5,252 |
| Noncurrent loans to loans | 0.6820% | 4,765 |
| Net loans and leases to total assets | 62.0481% | 3,052 |
| Net loans and leases to deposits | 76.4010% | 2,570 |
| Net loans and leases to core deposits | 87.6104% | 1,946 |
| Total domestic deposits to total assets | 81.2137% | 5,445 |
| Equity capital to assets | 13.7803% | 1,103 |
| Core capital (leverage) ratio | 13.2423% | 1,029 |
| Tier 1 risk-based capital ratio | 22.9362% | 1,168 |
| Total risk-based capital ratio | 24.7720% | 1,064 |
| Memoranda: | ||
| Average total assets | $1,419,297,500 | 474 |
| Average earning assets | $1,334,670,500 | 463 |
| Average equity | $191,385,000 | 406 |
| Average total loans | $893,260,500 | 467 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6532% | 6,129 |
| Cost of funding earning assets | 1.2335% | 496 |
| Net interest margin | 2.4196% | 6,765 |
| Noninterest income to average assets | 0.2637% | 5,575 |
| Noninterest expense to average assets | 1.5524% | 6,832 |
| Loan and lease loss provision to assets | 0.0437% | 5,301 |
| Net operating income to assets | 0.7064% | 3,706 |
| Return on assets (ROA) | 1.2559% | 1,592 |
| Pretax return on assets | 1.6788% | 1,187 |
| Return on Equity (ROE) | 9.7121% | 2,305 |
| Retained earnings to average equity (ytd only) | 9.7121% | 652 |
| Net charge-offs to loans | 0.0187% | 5,656 |
| Credit loss provision to net charge-offs | 382.1656% | 639 |
| Earnings coverage of net charge-offs (x) | 86.4968% | 448 |
| Efficiency ratio | 61.0620% | 5,378 |
| Assets per employee ($millions) | 12.8972% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6265% | 6,723 |
| Loan loss allowance to noncurrent loans | 95.5860% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4407% | 5,381 |
| Noncurrent loans to loans | 0.6554% | 4,889 |
| Net loans and leases to total assets | 63.0372% | 3,049 |
| Net loans and leases to deposits | 77.3004% | 2,611 |
| Net loans and leases to core deposits | 88.3491% | 2,047 |
| Total domestic deposits to total assets | 81.5483% | 5,244 |
| Equity capital to assets | 13.1830% | 1,363 |
| Core capital (leverage) ratio | 12.7255% | 1,232 |
| Tier 1 risk-based capital ratio | 22.2948% | 1,216 |
| Total risk-based capital ratio | 23.7986% | 1,154 |
| Memoranda: | ||
| Average total assets | $1,371,812,400 | 486 |
| Average earning assets | $1,291,892,000 | 469 |
| Average equity | $177,387,400 | 426 |
| Average total loans | $841,779,800 | 486 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6724% | 6,272 |
| Cost of funding earning assets | 1.2447% | 568 |
| Net interest margin | 2.4277% | 6,873 |
| Noninterest income to average assets | 0.2635% | 5,675 |
| Noninterest expense to average assets | 1.5929% | 6,883 |
| Loan and lease loss provision to assets | 0.0440% | 5,222 |
| Net operating income to assets | 0.6825% | 3,991 |
| Return on assets (ROA) | 1.3328% | 1,507 |
| Pretax return on assets | 1.7798% | 1,097 |
| Return on Equity (ROE) | 10.3591% | 2,193 |
| Retained earnings to average equity (ytd only) | 10.3591% | 825 |
| Net charge-offs to loans | 0.0170% | 5,443 |
| Credit loss provision to net charge-offs | 424.5283% | 630 |
| Earnings coverage of net charge-offs (x) | 92.2923% | 455 |
| Efficiency ratio | 62.4755% | 5,074 |
| Assets per employee ($millions) | 12.3957% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6167% | 6,845 |
| Loan loss allowance to noncurrent loans | 113.7881% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 5,750 |
| Noncurrent loans to loans | 0.5420% | 5,358 |
| Net loans and leases to total assets | 63.1368% | 3,185 |
| Net loans and leases to deposits | 77.2421% | 2,764 |
| Net loans and leases to core deposits | 88.3433% | 2,178 |
| Total domestic deposits to total assets | 81.7388% | 5,108 |
| Equity capital to assets | 12.9815% | 1,598 |
| Core capital (leverage) ratio | 12.4920% | 1,411 |
| Tier 1 risk-based capital ratio | 22.0655% | 1,321 |
| Total risk-based capital ratio | 23.5957% | 1,252 |
| Memoranda: | ||
| Average total assets | $1,363,317,500 | 493 |
| Average earning assets | $1,283,874,000 | 473 |
| Average equity | $175,402,750 | 429 |
| Average total loans | $829,285,000 | 496 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6913% | 6,349 |
| Cost of funding earning assets | 1.2576% | 627 |
| Net interest margin | 2.4337% | 6,943 |
| Noninterest income to average assets | 0.2807% | 5,564 |
| Noninterest expense to average assets | 1.4700% | 7,021 |
| Loan and lease loss provision to assets | 0.0444% | 5,124 |
| Net operating income to assets | 0.7598% | 3,556 |
| Return on assets (ROA) | 1.3054% | 1,576 |
| Pretax return on assets | 1.8162% | 1,007 |
| Return on Equity (ROE) | 10.1778% | 2,284 |
| Retained earnings to average equity (ytd only) | 10.1778% | 929 |
| Net charge-offs to loans | 0.0388% | 4,832 |
| Credit loss provision to net charge-offs | 191.0828% | 1,481 |
| Earnings coverage of net charge-offs (x) | 47.4459% | 764 |
| Efficiency ratio | 57.1355% | 5,977 |
| Assets per employee ($millions) | 12.2542% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6188% | 6,913 |
| Loan loss allowance to noncurrent loans | 93.3934% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4464% | 5,658 |
| Noncurrent loans to loans | 0.6625% | 5,179 |
| Net loans and leases to total assets | 61.3244% | 3,571 |
| Net loans and leases to deposits | 75.3031% | 3,083 |
| Net loans and leases to core deposits | 85.9574% | 2,433 |
| Total domestic deposits to total assets | 81.4367% | 5,317 |
| Equity capital to assets | 12.7306% | 1,667 |
| Core capital (leverage) ratio | 12.4518% | 1,375 |
| Tier 1 risk-based capital ratio | 21.6362% | 1,362 |
| Total risk-based capital ratio | 23.0878% | 1,302 |
| Memoranda: | ||
| Average total assets | $1,350,853,330 | 496 |
| Average earning assets | $1,272,305,000 | 478 |
| Average equity | $173,259,330 | 435 |
| Average total loans | $809,096,330 | 503 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7107% | 6,420 |
| Cost of funding earning assets | 1.2587% | 750 |
| Net interest margin | 2.4519% | 6,982 |
| Noninterest income to average assets | 0.2135% | 6,096 |
| Noninterest expense to average assets | 1.5065% | 7,057 |
| Loan and lease loss provision to assets | 0.0450% | 4,841 |
| Net operating income to assets | 0.6893% | 3,934 |
| Return on assets (ROA) | 1.4595% | 1,230 |
| Pretax return on assets | 2.0724% | 662 |
| Return on Equity (ROE) | 11.3353% | 1,892 |
| Retained earnings to average equity (ytd only) | 11.3353% | 955 |
| Net charge-offs to loans | 0.0290% | 4,280 |
| Credit loss provision to net charge-offs | 263.1579% | 1,101 |
| Earnings coverage of net charge-offs (x) | 59.5088% | 554 |
| Efficiency ratio | 59.6958% | 5,667 |
| Assets per employee ($millions) | 12.2922% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6590% | 6,923 |
| Loan loss allowance to noncurrent loans | 82.4076% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 5,617 |
| Noncurrent loans to loans | 0.7997% | 5,077 |
| Net loans and leases to total assets | 57.8596% | 4,056 |
| Net loans and leases to deposits | 72.4674% | 3,359 |
| Net loans and leases to core deposits | 82.6102% | 2,747 |
| Total domestic deposits to total assets | 79.8423% | 5,885 |
| Equity capital to assets | 12.8459% | 1,516 |
| Core capital (leverage) ratio | 12.5928% | 1,300 |
| Tier 1 risk-based capital ratio | 22.4921% | 1,207 |
| Total risk-based capital ratio | 24.3012% | 1,112 |
| Memoranda: | ||
| Average total assets | $1,333,919,000 | 503 |
| Average earning assets | $1,256,812,000 | 486 |
| Average equity | $171,747,000 | 433 |
| Average total loans | $786,415,000 | 511 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9690% | 6,512 |
| Cost of funding earning assets | 1.3442% | 1,267 |
| Net interest margin | 2.6248% | 6,988 |
| Noninterest income to average assets | 0.2185% | 5,956 |
| Noninterest expense to average assets | 1.5483% | 7,143 |
| Loan and lease loss provision to assets | 0.0488% | 5,976 |
| Net operating income to assets | 0.7817% | 3,129 |
| Return on assets (ROA) | 1.3061% | 1,339 |
| Pretax return on assets | 1.8463% | 735 |
| Return on Equity (ROE) | 9.8674% | 2,104 |
| Retained earnings to average equity (ytd only) | 9.8674% | 596 |
| Net charge-offs to loans | 0.0186% | 6,184 |
| Credit loss provision to net charge-offs | 434.7826% | 521 |
| Earnings coverage of net charge-offs (x) | 102.9783% | 304 |
| Efficiency ratio | 57.2421% | 6,160 |
| Assets per employee ($millions) | 11.8491% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6611% | 6,951 |
| Loan loss allowance to noncurrent loans | 87.6768% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4843% | 5,762 |
| Noncurrent loans to loans | 0.7540% | 5,189 |
| Net loans and leases to total assets | 59.3057% | 4,133 |
| Net loans and leases to deposits | 73.3988% | 3,597 |
| Net loans and leases to core deposits | 83.8504% | 2,911 |
| Total domestic deposits to total assets | 80.7992% | 5,511 |
| Equity capital to assets | 12.9062% | 1,536 |
| Core capital (leverage) ratio | 12.7196% | 1,258 |
| Tier 1 risk-based capital ratio | 22.4536% | 1,176 |
| Total risk-based capital ratio | 23.9990% | 1,108 |
| Memoranda: | ||
| Average total assets | $1,228,751,000 | 534 |
| Average earning assets | $1,163,926,400 | 508 |
| Average equity | $162,647,200 | 433 |
| Average total loans | $743,833,600 | 552 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 6,560 |
| Cost of funding earning assets | 1.3641% | 1,401 |
| Net interest margin | 2.6496% | 7,033 |
| Noninterest income to average assets | 0.2093% | 6,118 |
| Noninterest expense to average assets | 1.4615% | 7,253 |
| Loan and lease loss provision to assets | 0.0496% | 5,829 |
| Net operating income to assets | 0.8318% | 3,013 |
| Return on assets (ROA) | 1.3581% | 1,327 |
| Pretax return on assets | 1.9859% | 642 |
| Return on Equity (ROE) | 10.1915% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.1915% | 791 |
| Net charge-offs to loans | 0.0151% | 5,942 |
| Credit loss provision to net charge-offs | 542.1687% | 506 |
| Earnings coverage of net charge-offs (x) | 137.9446% | 272 |
| Efficiency ratio | 53.6722% | 6,526 |
| Assets per employee ($millions) | 11.2569% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6709% | 7,005 |
| Loan loss allowance to noncurrent loans | 107.0384% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 6,038 |
| Noncurrent loans to loans | 0.6268% | 5,636 |
| Net loans and leases to total assets | 60.3654% | 4,067 |
| Net loans and leases to deposits | 74.7859% | 3,547 |
| Net loans and leases to core deposits | 84.9174% | 2,923 |
| Total domestic deposits to total assets | 80.7176% | 5,526 |
| Equity capital to assets | 12.8387% | 1,694 |
| Core capital (leverage) ratio | 12.7998% | 1,300 |
| Tier 1 risk-based capital ratio | 22.9346% | 1,157 |
| Total risk-based capital ratio | 23.9681% | 1,163 |
| Memoranda: | ||
| Average total assets | $1,210,087,250 | 547 |
| Average earning assets | $1,147,973,500 | 521 |
| Average equity | $161,254,000 | 450 |
| Average total loans | $735,257,500 | 566 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0295% | 6,615 |
| Cost of funding earning assets | 1.3749% | 1,530 |
| Net interest margin | 2.6546% | 7,075 |
| Noninterest income to average assets | 0.2105% | 6,157 |
| Noninterest expense to average assets | 1.4500% | 7,336 |
| Loan and lease loss provision to assets | 0.0500% | 5,688 |
| Net operating income to assets | 0.8405% | 2,903 |
| Return on assets (ROA) | 1.2883% | 1,418 |
| Pretax return on assets | 1.8799% | 745 |
| Return on Equity (ROE) | 9.5474% | 2,294 |
| Retained earnings to average equity (ytd only) | 9.5474% | 948 |
| Net charge-offs to loans | 0.0236% | 5,502 |
| Credit loss provision to net charge-offs | 348.8372% | 883 |
| Earnings coverage of net charge-offs (x) | 89.4186% | 399 |
| Efficiency ratio | 53.0955% | 6,705 |
| Assets per employee ($millions) | 11.9812% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6594% | 7,074 |
| Loan loss allowance to noncurrent loans | 113.5963% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 6,155 |
| Noncurrent loans to loans | 0.5805% | 5,769 |
| Net loans and leases to total assets | 60.9532% | 4,095 |
| Net loans and leases to deposits | 76.9497% | 3,300 |
| Net loans and leases to core deposits | 87.6683% | 2,683 |
| Total domestic deposits to total assets | 79.2118% | 6,031 |
| Equity capital to assets | 13.7270% | 1,194 |
| Core capital (leverage) ratio | 12.8293% | 1,233 |
| Tier 1 risk-based capital ratio | 22.6885% | 1,167 |
| Total risk-based capital ratio | 24.9244% | 1,027 |
| Memoranda: | ||
| Average total assets | $1,200,695,000 | 554 |
| Average earning assets | $1,140,001,330 | 528 |
| Average equity | $162,013,000 | 447 |
| Average total loans | $729,499,330 | 581 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 6,743 |
| Cost of funding earning assets | 1.3818% | 1,704 |
| Net interest margin | 2.5887% | 7,132 |
| Noninterest income to average assets | 0.2114% | 6,223 |
| Noninterest expense to average assets | 1.4692% | 7,383 |
| Loan and lease loss provision to assets | 0.0502% | 5,373 |
| Net operating income to assets | 0.7887% | 3,089 |
| Return on assets (ROA) | 1.3632% | 1,181 |
| Pretax return on assets | 1.9967% | 564 |
| Return on Equity (ROE) | 10.1923% | 2,034 |
| Retained earnings to average equity (ytd only) | 10.1923% | 1,082 |
| Net charge-offs to loans | 0.0172% | 4,839 |
| Credit loss provision to net charge-offs | 483.8710% | 737 |
| Earnings coverage of net charge-offs (x) | 115.9355% | 284 |
| Efficiency ratio | 55.0019% | 6,603 |
| Assets per employee ($millions) | 11.8722% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 7,132 |
| Loan loss allowance to noncurrent loans | 111.3146% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 6,214 |
| Noncurrent loans to loans | 0.5887% | 5,852 |
| Net loans and leases to total assets | 60.6987% | 4,132 |
| Net loans and leases to deposits | 76.4367% | 3,352 |
| Net loans and leases to core deposits | 87.1391% | 2,713 |
| Total domestic deposits to total assets | 79.4104% | 6,083 |
| Equity capital to assets | 13.5517% | 1,164 |
| Core capital (leverage) ratio | 12.6765% | 1,252 |
| Tier 1 risk-based capital ratio | 22.8338% | 1,108 |
| Total risk-based capital ratio | 25.1655% | 960 |
| Memoranda: | ||
| Average total assets | $1,195,991,000 | 562 |
| Average earning assets | $1,136,469,000 | 529 |
| Average equity | $159,964,000 | 447 |
| Average total loans | $723,002,500 | 590 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 6,728 |
| Cost of funding earning assets | 1.5325% | 2,462 |
| Net interest margin | 2.7996% | 7,030 |
| Noninterest income to average assets | 0.1865% | 6,420 |
| Noninterest expense to average assets | 1.6787% | 7,360 |
| Loan and lease loss provision to assets | 0.0533% | 6,619 |
| Net operating income to assets | 0.7731% | 2,913 |
| Return on assets (ROA) | 0.9954% | 2,159 |
| Pretax return on assets | 1.4317% | 1,558 |
| Return on Equity (ROE) | 7.4989% | 2,896 |
| Retained earnings to average equity (ytd only) | 7.4989% | 1,149 |
| Net charge-offs to loans | 0.0320% | 6,484 |
| Credit loss provision to net charge-offs | 259.7403% | 1,083 |
| Earnings coverage of net charge-offs (x) | 56.8658% | 413 |
| Efficiency ratio | 58.9820% | 6,201 |
| Assets per employee ($millions) | 11.6950% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6563% | 7,192 |
| Loan loss allowance to noncurrent loans | 86.2723% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4735% | 6,096 |
| Noncurrent loans to loans | 0.7608% | 5,523 |
| Net loans and leases to total assets | 59.4094% | 4,771 |
| Net loans and leases to deposits | 75.6083% | 3,902 |
| Net loans and leases to core deposits | 86.2704% | 3,284 |
| Total domestic deposits to total assets | 78.5752% | 6,198 |
| Equity capital to assets | 13.1974% | 1,302 |
| Core capital (leverage) ratio | 12.3619% | 1,368 |
| Tier 1 risk-based capital ratio | 22.6059% | 1,090 |
| Total risk-based capital ratio | 24.8348% | 954 |
| Memoranda: | ||
| Average total assets | $1,125,242,400 | 586 |
| Average earning assets | $1,068,940,400 | 566 |
| Average equity | $149,367,800 | 458 |
| Average total loans | $722,797,600 | 604 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 6,739 |
| Cost of funding earning assets | 1.5500% | 2,678 |
| Net interest margin | 2.8950% | 7,013 |
| Noninterest income to average assets | 0.1844% | 6,560 |
| Noninterest expense to average assets | 1.7266% | 7,416 |
| Loan and lease loss provision to assets | 0.1083% | 5,949 |
| Net operating income to assets | 0.7682% | 3,143 |
| Return on assets (ROA) | 0.9614% | 2,495 |
| Pretax return on assets | 1.3751% | 1,952 |
| Return on Equity (ROE) | 7.2315% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.2315% | 1,737 |
| Net charge-offs to loans | 0.0427% | 6,112 |
| Credit loss provision to net charge-offs | 387.9310% | 797 |
| Earnings coverage of net charge-offs (x) | 43.2580% | 644 |
| Efficiency ratio | 58.8503% | 6,132 |
| Assets per employee ($millions) | 11.4168% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6884% | 7,211 |
| Loan loss allowance to noncurrent loans | 132.4030% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 6,574 |
| Noncurrent loans to loans | 0.5200% | 6,154 |
| Net loans and leases to total assets | 61.7023% | 4,591 |
| Net loans and leases to deposits | 77.6563% | 3,895 |
| Net loans and leases to core deposits | 88.9243% | 3,248 |
| Total domestic deposits to total assets | 79.4557% | 5,884 |
| Equity capital to assets | 13.0917% | 1,528 |
| Core capital (leverage) ratio | 12.4063% | 1,458 |
| Tier 1 risk-based capital ratio | 22.7165% | 1,105 |
| Total risk-based capital ratio | 24.7168% | 983 |
| Memoranda: | ||
| Average total assets | $1,108,331,500 | 594 |
| Average earning assets | $1,052,626,750 | 568 |
| Average equity | $147,352,250 | 462 |
| Average total loans | $725,155,000 | 601 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5416% | 6,612 |
| Cost of funding earning assets | 1.5660% | 2,863 |
| Net interest margin | 2.9755% | 6,884 |
| Noninterest income to average assets | 0.1812% | 6,615 |
| Noninterest expense to average assets | 1.8286% | 7,357 |
| Loan and lease loss provision to assets | 0.1101% | 5,805 |
| Net operating income to assets | 0.7572% | 3,161 |
| Return on assets (ROA) | 0.9203% | 2,570 |
| Pretax return on assets | 1.2990% | 2,088 |
| Return on Equity (ROE) | 6.8849% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.8849% | 1,885 |
| Net charge-offs to loans | 0.0469% | 5,734 |
| Credit loss provision to net charge-offs | 352.9412% | 1,035 |
| Earnings coverage of net charge-offs (x) | 37.7941% | 761 |
| Efficiency ratio | 60.7921% | 5,899 |
| Assets per employee ($millions) | 10.9577% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6410% | 7,354 |
| Loan loss allowance to noncurrent loans | 234.1066% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 6,934 |
| Noncurrent loans to loans | 0.2738% | 6,682 |
| Net loans and leases to total assets | 65.7796% | 3,875 |
| Net loans and leases to deposits | 83.2662% | 3,020 |
| Net loans and leases to core deposits | 95.0321% | 2,585 |
| Total domestic deposits to total assets | 78.9991% | 6,040 |
| Equity capital to assets | 13.1369% | 1,506 |
| Core capital (leverage) ratio | 12.5802% | 1,374 |
| Tier 1 risk-based capital ratio | 22.6162% | 1,110 |
| Total risk-based capital ratio | 24.3084% | 1,041 |
| Memoranda: | ||
| Average total assets | $1,089,605,330 | 606 |
| Average earning assets | $1,035,107,000 | 575 |
| Average equity | $145,651,670 | 464 |
| Average total loans | $725,703,000 | 602 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 6,567 |
| Cost of funding earning assets | 1.5914% | 3,011 |
| Net interest margin | 3.0067% | 6,818 |
| Noninterest income to average assets | 0.1774% | 6,693 |
| Noninterest expense to average assets | 2.0387% | 7,087 |
| Loan and lease loss provision to assets | 0.1116% | 5,497 |
| Net operating income to assets | 0.6638% | 3,594 |
| Return on assets (ROA) | 0.9048% | 2,593 |
| Pretax return on assets | 1.2061% | 2,345 |
| Return on Equity (ROE) | 6.7088% | 3,507 |
| Retained earnings to average equity (ytd only) | 6.7088% | 2,267 |
| Net charge-offs to loans | 0.0429% | 4,994 |
| Credit loss provision to net charge-offs | 389.6104% | 1,048 |
| Earnings coverage of net charge-offs (x) | 34.7922% | 783 |
| Efficiency ratio | 67.1731% | 4,883 |
| Assets per employee ($millions) | 10.7877% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6215% | 7,471 |
| Loan loss allowance to noncurrent loans | 425.1172% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.0979% | 7,237 |
| Noncurrent loans to loans | 0.1462% | 7,041 |
| Net loans and leases to total assets | 66.5664% | 3,732 |
| Net loans and leases to deposits | 84.5843% | 2,838 |
| Net loans and leases to core deposits | 94.9647% | 2,702 |
| Total domestic deposits to total assets | 78.6983% | 6,152 |
| Equity capital to assets | 13.5036% | 1,326 |
| Core capital (leverage) ratio | 12.7091% | 1,323 |
| Tier 1 risk-based capital ratio | 22.5629% | 1,140 |
| Total risk-based capital ratio | 24.6241% | 1,001 |
| Memoranda: | ||
| Average total assets | $1,075,566,500 | 631 |
| Average earning assets | $1,022,263,000 | 600 |
| Average equity | $145,063,000 | 472 |
| Average total loans | $718,579,500 | 632 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8703% | 6,780 |
| Cost of funding earning assets | 2.2107% | 1,984 |
| Net interest margin | 2.6595% | 7,263 |
| Noninterest income to average assets | 0.1927% | 6,720 |
| Noninterest expense to average assets | 1.8109% | 7,594 |
| Loan and lease loss provision to assets | 0.1123% | 6,519 |
| Net operating income to assets | 0.5503% | 3,523 |
| Return on assets (ROA) | 0.6990% | 3,006 |
| Pretax return on assets | 0.9871% | 2,631 |
| Return on Equity (ROE) | 5.3033% | 3,528 |
| Retained earnings to average equity (ytd only) | 5.3033% | 1,672 |
| Net charge-offs to loans | 0.0198% | 6,945 |
| Credit loss provision to net charge-offs | 864.6617% | 339 |
| Earnings coverage of net charge-offs (x) | 68.5038% | 395 |
| Efficiency ratio | 67.0476% | 5,172 |
| Assets per employee ($millions) | 10.6158% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6097% | 7,543 |
| Loan loss allowance to noncurrent loans | 235.6831% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 7,049 |
| Noncurrent loans to loans | 0.2587% | 6,777 |
| Net loans and leases to total assets | 66.2252% | 4,101 |
| Net loans and leases to deposits | 84.0652% | 3,257 |
| Net loans and leases to core deposits | 117.9072% | 2,145 |
| Total domestic deposits to total assets | 78.7785% | 6,037 |
| Equity capital to assets | 13.4702% | 1,336 |
| Core capital (leverage) ratio | 12.8300% | 1,302 |
| Tier 1 risk-based capital ratio | 23.2001% | 1,024 |
| Total risk-based capital ratio | 25.2039% | 931 |
| Memoranda: | ||
| Average total assets | $1,023,681,000 | 656 |
| Average earning assets | $965,428,600 | 624 |
| Average equity | $134,934,400 | 499 |
| Average total loans | $670,281,200 | 698 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9312% | 6,815 |
| Cost of funding earning assets | 2.3530% | 1,793 |
| Net interest margin | 2.5782% | 7,377 |
| Noninterest income to average assets | 0.1957% | 6,818 |
| Noninterest expense to average assets | 1.9604% | 7,455 |
| Loan and lease loss provision to assets | 0.0592% | 6,771 |
| Net operating income to assets | 0.4288% | 4,280 |
| Return on assets (ROA) | 0.6210% | 3,581 |
| Pretax return on assets | 0.8738% | 3,304 |
| Return on Equity (ROE) | 4.7386% | 4,066 |
| Retained earnings to average equity (ytd only) | 4.7386% | 2,637 |
| Net charge-offs to loans | 0.0137% | 6,724 |
| Credit loss provision to net charge-offs | 661.7647% | 564 |
| Earnings coverage of net charge-offs (x) | 74.0919% | 456 |
| Efficiency ratio | 74.7469% | 3,732 |
| Assets per employee ($millions) | 10.1185% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5333% | 7,672 |
| Loan loss allowance to noncurrent loans | 235.7692% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 6,985 |
| Noncurrent loans to loans | 0.2262% | 6,932 |
| Net loans and leases to total assets | 67.1268% | 4,157 |
| Net loans and leases to deposits | 86.0294% | 3,310 |
| Net loans and leases to core deposits | 121.4417% | 2,121 |
| Total domestic deposits to total assets | 78.0278% | 6,083 |
| Equity capital to assets | 13.5811% | 1,461 |
| Core capital (leverage) ratio | 12.5823% | 1,547 |
| Tier 1 risk-based capital ratio | 23.3471% | 1,066 |
| Total risk-based capital ratio | 25.0381% | 999 |
| Memoranda: | ||
| Average total assets | $1,014,207,000 | 668 |
| Average earning assets | $954,691,250 | 644 |
| Average equity | $132,918,750 | 513 |
| Average total loans | $661,015,250 | 727 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9876% | 6,812 |
| Cost of funding earning assets | 2.4302% | 1,846 |
| Net interest margin | 2.5574% | 7,405 |
| Noninterest income to average assets | 0.1872% | 6,957 |
| Noninterest expense to average assets | 1.8025% | 7,738 |
| Loan and lease loss provision to assets | 0.0593% | 6,626 |
| Net operating income to assets | 0.5185% | 4,022 |
| Return on assets (ROA) | 0.6340% | 3,647 |
| Pretax return on assets | 0.8885% | 3,383 |
| Return on Equity (ROE) | 4.8977% | 4,120 |
| Retained earnings to average equity (ytd only) | 4.8977% | 2,563 |
| Net charge-offs to loans | 0.0209% | 6,216 |
| Credit loss provision to net charge-offs | 441.1765% | 1,053 |
| Earnings coverage of net charge-offs (x) | 58.3971% | 610 |
| Efficiency ratio | 69.6592% | 4,851 |
| Assets per employee ($millions) | 9.9740% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5277% | 7,756 |
| Loan loss allowance to noncurrent loans | 179.3594% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.1896% | 7,050 |
| Noncurrent loans to loans | 0.2942% | 6,780 |
| Net loans and leases to total assets | 64.1066% | 4,960 |
| Net loans and leases to deposits | 81.0295% | 4,386 |
| Net loans and leases to core deposits | 120.4776% | 2,328 |
| Total domestic deposits to total assets | 79.1151% | 5,780 |
| Equity capital to assets | 12.8708% | 1,755 |
| Core capital (leverage) ratio | 12.5449% | 1,601 |
| Tier 1 risk-based capital ratio | 23.8254% | 1,056 |
| Total risk-based capital ratio | 25.3435% | 1,003 |
| Memoranda: | ||
| Average total assets | $1,011,621,330 | 685 |
| Average earning assets | $949,477,670 | 662 |
| Average equity | $130,960,330 | 529 |
| Average total loans | $651,457,000 | 757 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 6,646 |
| Cost of funding earning assets | 2.4430% | 2,133 |
| Net interest margin | 2.6574% | 7,284 |
| Noninterest income to average assets | 0.1714% | 7,078 |
| Noninterest expense to average assets | 1.9404% | 7,464 |
| Loan and lease loss provision to assets | 0.0601% | 6,206 |
| Net operating income to assets | 0.4560% | 4,631 |
| Return on assets (ROA) | 0.6900% | 3,790 |
| Pretax return on assets | 0.9772% | 3,435 |
| Return on Equity (ROE) | 5.3144% | 4,325 |
| Retained earnings to average equity (ytd only) | 5.3144% | 2,948 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2759% | 3,954 |
| Assets per employee ($millions) | 9.8492% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 7,783 |
| Loan loss allowance to noncurrent loans | 117.5708% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 6,648 |
| Noncurrent loans to loans | 0.4474% | 6,302 |
| Net loans and leases to total assets | 64.2385% | 4,946 |
| Net loans and leases to deposits | 80.9273% | 4,462 |
| Net loans and leases to core deposits | 116.4873% | 2,745 |
| Total domestic deposits to total assets | 79.3780% | 5,582 |
| Equity capital to assets | 12.5481% | 1,947 |
| Core capital (leverage) ratio | 12.9182% | 1,508 |
| Tier 1 risk-based capital ratio | 24.1137% | 1,065 |
| Total risk-based capital ratio | 25.2409% | 1,055 |
| Memoranda: | ||
| Average total assets | $998,783,000 | 687 |
| Average earning assets | $930,829,000 | 678 |
| Average equity | $129,686,000 | 534 |
| Average total loans | $642,933,500 | 770 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2875% | 7,612 |
| Cost of funding earning assets | 2.7640% | 2,860 |
| Net interest margin | 2.5235% | 7,731 |
| Noninterest income to average assets | 0.1748% | 7,181 |
| Noninterest expense to average assets | 1.5383% | 8,017 |
| Loan and lease loss provision to assets | 0.0669% | 6,556 |
| Net operating income to assets | 0.7217% | 3,793 |
| Return on assets (ROA) | 0.7549% | 3,483 |
| Pretax return on assets | 1.0085% | 3,353 |
| Return on Equity (ROE) | 4.9628% | 4,409 |
| Retained earnings to average equity (ytd only) | 4.9628% | 2,051 |
| Net charge-offs to loans | 0.0073% | 6,848 |
| Credit loss provision to net charge-offs | 1,492.8571% | 302 |
| Earnings coverage of net charge-offs (x) | 230.0952% | 209 |
| Efficiency ratio | 59.8704% | 6,369 |
| Assets per employee ($millions) | 9.7336% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5226% | 7,812 |
| Loan loss allowance to noncurrent loans | 215.2841% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 6,948 |
| Noncurrent loans to loans | 0.2427% | 6,657 |
| Net loans and leases to total assets | 63.8233% | 5,306 |
| Net loans and leases to deposits | 82.6542% | 4,628 |
| Net loans and leases to core deposits | 116.0399% | 3,117 |
| Total domestic deposits to total assets | 77.2173% | 5,938 |
| Equity capital to assets | 13.4346% | 1,618 |
| Core capital (leverage) ratio | 13.1526% | 1,497 |
| Tier 1 risk-based capital ratio | 23.9719% | 1,092 |
| Total risk-based capital ratio | 25.7405% | 1,013 |
| Memoranda: | ||
| Average total assets | $937,290,000 | 712 |
| Average earning assets | $889,402,800 | 673 |
| Average equity | $142,580,200 | 489 |
| Average total loans | $578,342,400 | 827 |