Home > Machias Savings Bank > Performance and Condition Ratios
Machias Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0422% | 7 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 551,163.0000% | 2 |
| Cost of funding earning assets | -2,500.0000% | 4,612 |
| Net interest margin | 0.0000% | 4,558 |
| Noninterest income to average assets | 0.0005% | 4,531 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0000% | 4,329 |
| Return on assets (ROA) | 0.4831% | 3,704 |
| Pretax return on assets | 0.5877% | 3,657 |
| Return on Equity (ROE) | 5.0500% | 3,715 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0067% | 2,437 |
| Credit loss provision to net charge-offs | 4.0000% | 2,349 |
| Earnings coverage of net charge-offs (x) | 0.1843% | 2,819 |
| Efficiency ratio | 7.0947% | 4,557 |
| Assets per employee ($millions) | 0.1572% | 4,550 |
| Cash dividends to net income (ytd only)* | 41.0000% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 726.0000% | 2 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | 15,201.0000% | 10 |
| Total domestic deposits to total assets | 0.0000% | 4,545 |
| Equity capital to assets | 44,073.0000% | 16 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $7,550,000 | 4,573 |
| Average earning assets | $5,383 | 4,570 |
| Average equity | $0 | 4,538 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7565% | 2,360 |
| Cost of funding earning assets | 2.0418% | 658 |
| Net interest margin | 2.7147% | 3,863 |
| Noninterest income to average assets | 0.5400% | 1,768 |
| Noninterest expense to average assets | 2.6361% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3670% | 4,016 |
| Return on assets (ROA) | 0.4480% | 3,872 |
| Pretax return on assets | 0.5859% | 3,761 |
| Return on Equity (ROE) | 4.7000% | 3,868 |
| Retained earnings to average equity (ytd only) | 4.7017% | 3,044 |
| Net charge-offs to loans | 0.0790% | 930 |
| Credit loss provision to net charge-offs | 42.7948% | 1,925 |
| Earnings coverage of net charge-offs (x) | 7.6087% | 2,229 |
| Efficiency ratio | 84.1229% | 609 |
| Assets per employee ($millions) | 7.0739% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1426% | 2,662 |
| Loan loss allowance to noncurrent loans | 232.0654% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4010% | 1,438 |
| Noncurrent loans to loans | 0.4924% | 1,589 |
| Net loans and leases to total assets | 79.7700% | 677 |
| Net loans and leases to deposits | 96.4091% | 729 |
| Net loans and leases to core deposits | 119.4024% | 564 |
| Total domestic deposits to total assets | 82.7400% | 3,060 |
| Equity capital to assets | 9.1756% | 2,308 |
| Core capital (leverage) ratio | 10.9681% | 2,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2914% | 1,796 |
| Memoranda: | ||
| Average total assets | $2,402,487,000 | 493 |
| Average earning assets | $2,279,808,750 | 466 |
| Average equity | $228,904,000 | 478 |
| Average total loans | $1,933,336,000 | 417 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6513% | 2,301 |
| Cost of funding earning assets | 1.9137% | 585 |
| Net interest margin | 2.7376% | 3,926 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.6532% | 1,779 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3569% | 4,080 |
| Return on assets (ROA) | 0.4627% | 3,893 |
| Pretax return on assets | 0.6035% | 3,798 |
| Return on Equity (ROE) | 4.8000% | 3,905 |
| Retained earnings to average equity (ytd only) | 4.7957% | 2,995 |
| Net charge-offs to loans | 0.1124% | 629 |
| Credit loss provision to net charge-offs | 34.0761% | 1,728 |
| Earnings coverage of net charge-offs (x) | 5.1941% | 2,182 |
| Efficiency ratio | 84.5823% | 564 |
| Assets per employee ($millions) | 7.6552% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 2,648 |
| Loan loss allowance to noncurrent loans | 189.9648% | 2,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4993% | 1,089 |
| Noncurrent loans to loans | 0.6115% | 1,220 |
| Net loans and leases to total assets | 80.4000% | 592 |
| Net loans and leases to deposits | 98.0902% | 598 |
| Net loans and leases to core deposits | 117.8813% | 576 |
| Total domestic deposits to total assets | 81.9600% | 3,238 |
| Equity capital to assets | 9.8229% | 1,963 |
| Core capital (leverage) ratio | 11.0975% | 1,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3315% | 1,778 |
| Memoranda: | ||
| Average total assets | $2,382,749,000 | 483 |
| Average earning assets | $2,260,034,333 | 461 |
| Average equity | $229,913,000 | 469 |
| Average total loans | $1,915,676,333 | 405 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5247% | 2,261 |
| Cost of funding earning assets | 1.6857% | 595 |
| Net interest margin | 2.8390% | 3,884 |
| Noninterest income to average assets | 0.4600% | 2,027 |
| Noninterest expense to average assets | 2.5671% | 2,058 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.4380% | 4,023 |
| Return on assets (ROA) | 0.5988% | 3,659 |
| Pretax return on assets | 0.7862% | 3,490 |
| Return on Equity (ROE) | 6.2600% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.2627% | 2,692 |
| Net charge-offs to loans | 0.0051% | 1,785 |
| Credit loss provision to net charge-offs | -350.0000% | 4,618 |
| Earnings coverage of net charge-offs (x) | 144.2083% | 623 |
| Efficiency ratio | 81.1224% | 759 |
| Assets per employee ($millions) | 7.6647% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2153% | 2,475 |
| Loan loss allowance to noncurrent loans | 155.2676% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 803 |
| Noncurrent loans to loans | 0.7827% | 982 |
| Net loans and leases to total assets | 79.0000% | 641 |
| Net loans and leases to deposits | 94.5971% | 750 |
| Net loans and leases to core deposits | 111.3523% | 658 |
| Total domestic deposits to total assets | 83.5100% | 3,193 |
| Equity capital to assets | 9.6649% | 2,026 |
| Core capital (leverage) ratio | 11.0760% | 1,793 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2371% | 1,892 |
| Memoranda: | ||
| Average total assets | $2,376,092,500 | 496 |
| Average earning assets | $2,254,006,000 | 470 |
| Average equity | $227,188,000 | 481 |
| Average total loans | $1,899,017,500 | 417 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 1,745 |
| Cost of funding earning assets | 0.4746% | 1,555 |
| Net interest margin | 3.5150% | 1,882 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.6246% | 1,758 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0234% | 2,483 |
| Return on assets (ROA) | 0.7040% | 3,557 |
| Pretax return on assets | 0.8662% | 3,441 |
| Return on Equity (ROE) | 7.1200% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.1186% | 2,193 |
| Net charge-offs to loans | 0.0115% | 1,955 |
| Credit loss provision to net charge-offs | -51.2438% | 4,565 |
| Earnings coverage of net charge-offs (x) | 143.2736% | 814 |
| Efficiency ratio | 67.3107% | 2,047 |
| Assets per employee ($millions) | 7.6649% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,206 |
| Loan loss allowance to noncurrent loans | 279.5068% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 1,451 |
| Noncurrent loans to loans | 0.4430% | 1,596 |
| Net loans and leases to total assets | 78.8800% | 708 |
| Net loans and leases to deposits | 94.6743% | 738 |
| Net loans and leases to core deposits | 103.7356% | 830 |
| Total domestic deposits to total assets | 83.3200% | 3,350 |
| Equity capital to assets | 9.4566% | 2,040 |
| Core capital (leverage) ratio | 11.0246% | 1,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3614% | 1,827 |
| Memoranda: | ||
| Average total assets | $2,292,578,200 | 494 |
| Average earning assets | $2,181,667,600 | 470 |
| Average equity | $226,716,200 | 480 |
| Average total loans | $1,750,936,200 | 419 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8449% | 1,628 |
| Cost of funding earning assets | 0.2659% | 2,535 |
| Net interest margin | 3.5790% | 1,446 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.5244% | 1,942 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0972% | 2,115 |
| Return on assets (ROA) | 0.5718% | 3,861 |
| Pretax return on assets | 0.7315% | 3,734 |
| Return on Equity (ROE) | 5.7200% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.7173% | 2,848 |
| Net charge-offs to loans | 0.0072% | 1,877 |
| Credit loss provision to net charge-offs | -12.9032% | 4,612 |
| Earnings coverage of net charge-offs (x) | 256.1505% | 528 |
| Efficiency ratio | 64.0765% | 2,544 |
| Assets per employee ($millions) | 7.4383% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 2,038 |
| Loan loss allowance to noncurrent loans | 412.7059% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 1,974 |
| Noncurrent loans to loans | 0.3144% | 2,121 |
| Net loans and leases to total assets | 78.2000% | 687 |
| Net loans and leases to deposits | 92.4434% | 745 |
| Net loans and leases to core deposits | 98.5385% | 880 |
| Total domestic deposits to total assets | 84.5900% | 3,370 |
| Equity capital to assets | 9.3391% | 1,990 |
| Core capital (leverage) ratio | 11.0468% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5590% | 1,857 |
| Memoranda: | ||
| Average total assets | $2,275,526,750 | 495 |
| Average earning assets | $2,167,118,750 | 473 |
| Average equity | $227,582,750 | 475 |
| Average total loans | $1,717,277,000 | 423 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7025% | 1,532 |
| Cost of funding earning assets | 0.1629% | 3,404 |
| Net interest margin | 3.5396% | 1,209 |
| Noninterest income to average assets | 0.4871% | 2,268 |
| Noninterest expense to average assets | 2.4895% | 1,963 |
| Loan and lease loss provision to assets | -0.0011% | 4,361 |
| Net operating income to assets | 1.0865% | 1,822 |
| Return on assets (ROA) | 0.3934% | 4,072 |
| Pretax return on assets | 0.4992% | 3,999 |
| Return on Equity (ROE) | 3.8479% | 4,061 |
| Retained earnings to average equity (ytd only) | 3.8479% | 3,143 |
| Net charge-offs to loans | 0.0039% | 1,883 |
| Credit loss provision to net charge-offs | -36.3636% | 3,016 |
| Earnings coverage of net charge-offs (x) | 473.1515% | 270 |
| Efficiency ratio | 64.0889% | 2,761 |
| Assets per employee ($millions) | 7.3767% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 2,015 |
| Loan loss allowance to noncurrent loans | 410.5913% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2603% | 2,005 |
| Noncurrent loans to loans | 0.3258% | 2,174 |
| Net loans and leases to total assets | 76.6307% | 671 |
| Net loans and leases to deposits | 90.4115% | 694 |
| Net loans and leases to core deposits | 97.0578% | 792 |
| Total domestic deposits to total assets | 84.7576% | 3,535 |
| Equity capital to assets | 9.7723% | 1,837 |
| Core capital (leverage) ratio | 11.1850% | 1,498 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6873% | 1,805 |
| Memoranda: | ||
| Average total assets | $2,270,371,000 | 492 |
| Average earning assets | $2,166,626,333 | 471 |
| Average equity | $232,124,333 | 470 |
| Average total loans | $1,684,692,000 | 419 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6614% | 1,364 |
| Cost of funding earning assets | 0.1358% | 3,692 |
| Net interest margin | 3.5256% | 1,039 |
| Noninterest income to average assets | 0.4154% | 2,588 |
| Noninterest expense to average assets | 2.3307% | 2,393 |
| Loan and lease loss provision to assets | 0.0081% | 2,169 |
| Net operating income to assets | 1.1431% | 1,399 |
| Return on assets (ROA) | 0.7258% | 2,948 |
| Pretax return on assets | 0.9218% | 2,692 |
| Return on Equity (ROE) | 6.9452% | 3,052 |
| Retained earnings to average equity (ytd only) | 6.9452% | 1,905 |
| Net charge-offs to loans | 0.0058% | 1,540 |
| Credit loss provision to net charge-offs | 191.6667% | 791 |
| Earnings coverage of net charge-offs (x) | 344.7083% | 284 |
| Efficiency ratio | 61.1853% | 3,359 |
| Assets per employee ($millions) | 7.1016% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 1,758 |
| Loan loss allowance to noncurrent loans | 369.0150% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.3166% | 1,856 |
| Noncurrent loans to loans | 0.3905% | 2,088 |
| Net loans and leases to total assets | 74.5273% | 618 |
| Net loans and leases to deposits | 84.2403% | 868 |
| Net loans and leases to core deposits | 91.4451% | 843 |
| Total domestic deposits to total assets | 88.4699% | 2,310 |
| Equity capital to assets | 10.6118% | 1,539 |
| Core capital (leverage) ratio | 11.3010% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6563% | 1,598 |
| Memoranda: | ||
| Average total assets | $2,269,544,500 | 491 |
| Average earning assets | $2,171,531,000 | 474 |
| Average equity | $237,171,500 | 470 |
| Average total loans | $1,644,700,000 | 431 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0868% | 1,187 |
| Cost of funding earning assets | 0.1834% | 3,618 |
| Net interest margin | 3.9034% | 850 |
| Noninterest income to average assets | 0.5783% | 2,244 |
| Noninterest expense to average assets | 2.7760% | 1,424 |
| Loan and lease loss provision to assets | 0.0006% | 3,055 |
| Net operating income to assets | 1.2053% | 1,904 |
| Return on assets (ROA) | 1.5012% | 1,060 |
| Pretax return on assets | 1.8952% | 728 |
| Return on Equity (ROE) | 13.3651% | 1,352 |
| Retained earnings to average equity (ytd only) | 13.3651% | 361 |
| Net charge-offs to loans | 0.0606% | 1,175 |
| Credit loss provision to net charge-offs | 1.3655% | 2,326 |
| Earnings coverage of net charge-offs (x) | 32.8183% | 1,546 |
| Efficiency ratio | 64.2771% | 2,518 |
| Assets per employee ($millions) | 8.0751% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 1,778 |
| Loan loss allowance to noncurrent loans | 351.6129% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2928% | 2,077 |
| Noncurrent loans to loans | 0.4086% | 2,134 |
| Net loans and leases to total assets | 68.5767% | 1,202 |
| Net loans and leases to deposits | 77.1515% | 1,479 |
| Net loans and leases to core deposits | 90.4968% | 950 |
| Total domestic deposits to total assets | 88.8858% | 1,581 |
| Equity capital to assets | 10.3018% | 2,371 |
| Core capital (leverage) ratio | 11.2244% | 1,432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3593% | 1,724 |
| Memoranda: | ||
| Average total assets | $2,053,838,000 | 518 |
| Average earning assets | $1,956,715,600 | 509 |
| Average equity | $230,697,800 | 478 |
| Average total loans | $1,570,078,600 | 452 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1995% | 1,109 |
| Cost of funding earning assets | 0.1969% | 3,630 |
| Net interest margin | 4.0026% | 793 |
| Noninterest income to average assets | 0.5729% | 2,329 |
| Noninterest expense to average assets | 2.6974% | 1,595 |
| Loan and lease loss provision to assets | 0.0092% | 2,807 |
| Net operating income to assets | 1.3142% | 1,776 |
| Return on assets (ROA) | 1.4904% | 1,343 |
| Pretax return on assets | 1.8925% | 965 |
| Return on Equity (ROE) | 12.9474% | 1,707 |
| Retained earnings to average equity (ytd only) | 12.9474% | 650 |
| Net charge-offs to loans | 0.0291% | 1,470 |
| Credit loss provision to net charge-offs | 40.2367% | 1,921 |
| Earnings coverage of net charge-offs (x) | 73.5976% | 1,030 |
| Efficiency ratio | 61.3117% | 2,788 |
| Assets per employee ($millions) | 7.3294% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5500% | 1,463 |
| Loan loss allowance to noncurrent loans | 451.1839% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 2,449 |
| Noncurrent loans to loans | 0.3435% | 2,554 |
| Net loans and leases to total assets | 72.3863% | 838 |
| Net loans and leases to deposits | 82.2249% | 1,103 |
| Net loans and leases to core deposits | 89.4104% | 1,066 |
| Total domestic deposits to total assets | 88.0346% | 1,823 |
| Equity capital to assets | 11.0988% | 1,947 |
| Core capital (leverage) ratio | 11.6624% | 1,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3578% | 1,528 |
| Memoranda: | ||
| Average total assets | $1,975,799,750 | 541 |
| Average earning assets | $1,877,405,250 | 525 |
| Average equity | $227,437,500 | 487 |
| Average total loans | $1,551,055,250 | 465 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 1,241 |
| Cost of funding earning assets | 0.2148% | 3,606 |
| Net interest margin | 3.9487% | 895 |
| Noninterest income to average assets | 0.5792% | 2,298 |
| Noninterest expense to average assets | 2.7372% | 1,486 |
| Loan and lease loss provision to assets | 0.0060% | 2,781 |
| Net operating income to assets | 1.2465% | 2,033 |
| Return on assets (ROA) | 1.5221% | 1,302 |
| Pretax return on assets | 1.9319% | 948 |
| Return on Equity (ROE) | 13.0494% | 1,700 |
| Retained earnings to average equity (ytd only) | 13.0494% | 712 |
| Net charge-offs to loans | 0.0310% | 1,350 |
| Credit loss provision to net charge-offs | 24.2678% | 1,719 |
| Earnings coverage of net charge-offs (x) | 63.8619% | 945 |
| Efficiency ratio | 62.9278% | 2,589 |
| Assets per employee ($millions) | 6.8835% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5377% | 1,461 |
| Loan loss allowance to noncurrent loans | 395.4641% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3230% | 2,304 |
| Noncurrent loans to loans | 0.3888% | 2,509 |
| Net loans and leases to total assets | 78.8504% | 388 |
| Net loans and leases to deposits | 90.1126% | 649 |
| Net loans and leases to core deposits | 97.8386% | 729 |
| Total domestic deposits to total assets | 87.5021% | 2,093 |
| Equity capital to assets | 11.6665% | 1,540 |
| Core capital (leverage) ratio | 11.6774% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9908% | 1,635 |
| Memoranda: | ||
| Average total assets | $1,921,009,000 | 550 |
| Average earning assets | $1,822,946,000 | 539 |
| Average equity | $224,072,333 | 487 |
| Average total loans | $1,543,546,000 | 468 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 1,150 |
| Cost of funding earning assets | 0.2425% | 3,544 |
| Net interest margin | 3.9843% | 862 |
| Noninterest income to average assets | 0.5197% | 2,521 |
| Noninterest expense to average assets | 2.7922% | 1,388 |
| Loan and lease loss provision to assets | -0.0193% | 4,603 |
| Net operating income to assets | 1.1991% | 2,152 |
| Return on assets (ROA) | 1.3642% | 1,735 |
| Pretax return on assets | 1.7358% | 1,419 |
| Return on Equity (ROE) | 11.6970% | 2,126 |
| Retained earnings to average equity (ytd only) | 11.6970% | 1,227 |
| Net charge-offs to loans | 0.0026% | 1,830 |
| Credit loss provision to net charge-offs | -910.0000% | 3,347 |
| Earnings coverage of net charge-offs (x) | 712.4000% | 132 |
| Efficiency ratio | 64.5898% | 2,398 |
| Assets per employee ($millions) | 6.8214% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5955% | 1,307 |
| Loan loss allowance to noncurrent loans | 370.9223% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3597% | 2,359 |
| Noncurrent loans to loans | 0.4302% | 2,570 |
| Net loans and leases to total assets | 77.9729% | 470 |
| Net loans and leases to deposits | 88.8539% | 776 |
| Net loans and leases to core deposits | 98.0924% | 804 |
| Total domestic deposits to total assets | 87.7541% | 1,975 |
| Equity capital to assets | 11.4569% | 1,568 |
| Core capital (leverage) ratio | 11.7786% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1076% | 1,869 |
| Memoranda: | ||
| Average total assets | $1,890,285,000 | 559 |
| Average earning assets | $1,793,338,000 | 545 |
| Average equity | $220,467,000 | 488 |
| Average total loans | $1,521,525,000 | 473 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 958 |
| Cost of funding earning assets | 0.4676% | 3,166 |
| Net interest margin | 4.1958% | 639 |
| Noninterest income to average assets | 0.7191% | 1,795 |
| Noninterest expense to average assets | 3.0085% | 1,412 |
| Loan and lease loss provision to assets | 0.4928% | 509 |
| Net operating income to assets | 0.9462% | 2,499 |
| Return on assets (ROA) | 1.0762% | 2,144 |
| Pretax return on assets | 1.3502% | 1,821 |
| Return on Equity (ROE) | 8.7408% | 2,502 |
| Retained earnings to average equity (ytd only) | 8.7408% | 842 |
| Net charge-offs to loans | 0.0593% | 1,927 |
| Credit loss provision to net charge-offs | 977.9083% | 794 |
| Earnings coverage of net charge-offs (x) | 33.3478% | 1,522 |
| Efficiency ratio | 63.8026% | 2,855 |
| Assets per employee ($millions) | 6.2274% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6309% | 1,217 |
| Loan loss allowance to noncurrent loans | 264.8788% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 2,010 |
| Noncurrent loans to loans | 0.6157% | 2,157 |
| Net loans and leases to total assets | 80.4763% | 394 |
| Net loans and leases to deposits | 92.2815% | 762 |
| Net loans and leases to core deposits | 103.5319% | 749 |
| Total domestic deposits to total assets | 87.2073% | 1,840 |
| Equity capital to assets | 11.8799% | 1,632 |
| Core capital (leverage) ratio | 11.7663% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1152% | 1,487 |
| Memoranda: | ||
| Average total assets | $1,688,846,400 | 560 |
| Average earning assets | $1,597,865,400 | 542 |
| Average equity | $207,945,000 | 490 |
| Average total loans | $1,434,880,800 | 465 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6574% | 1,169 |
| Cost of funding earning assets | 0.5224% | 3,096 |
| Net interest margin | 4.1350% | 835 |
| Noninterest income to average assets | 0.7137% | 1,753 |
| Noninterest expense to average assets | 2.9567% | 1,543 |
| Loan and lease loss provision to assets | 0.6031% | 416 |
| Net operating income to assets | 0.8414% | 2,944 |
| Return on assets (ROA) | 0.8650% | 2,980 |
| Pretax return on assets | 1.0964% | 2,762 |
| Return on Equity (ROE) | 6.9568% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.9568% | 1,712 |
| Net charge-offs to loans | 0.0602% | 1,742 |
| Credit loss provision to net charge-offs | 1,166.2500% | 749 |
| Earnings coverage of net charge-offs (x) | 32.2875% | 1,522 |
| Efficiency ratio | 63.5394% | 2,816 |
| Assets per employee ($millions) | 6.2721% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 1,110 |
| Loan loss allowance to noncurrent loans | 201.9312% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 1,704 |
| Noncurrent loans to loans | 0.7915% | 1,841 |
| Net loans and leases to total assets | 81.8935% | 442 |
| Net loans and leases to deposits | 93.6623% | 949 |
| Net loans and leases to core deposits | 103.7914% | 937 |
| Total domestic deposits to total assets | 87.4349% | 1,479 |
| Equity capital to assets | 11.7545% | 1,841 |
| Core capital (leverage) ratio | 11.8911% | 1,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5229% | 1,367 |
| Memoranda: | ||
| Average total assets | $1,650,233,000 | 559 |
| Average earning assets | $1,561,421,250 | 546 |
| Average equity | $205,185,750 | 488 |
| Average total loans | $1,416,597,750 | 466 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 1,214 |
| Cost of funding earning assets | 0.5869% | 3,033 |
| Net interest margin | 4.1960% | 935 |
| Noninterest income to average assets | 0.6620% | 1,895 |
| Noninterest expense to average assets | 3.0997% | 1,357 |
| Loan and lease loss provision to assets | 0.3636% | 1,155 |
| Net operating income to assets | 0.9213% | 2,619 |
| Return on assets (ROA) | 0.8070% | 3,135 |
| Pretax return on assets | 1.0231% | 2,955 |
| Return on Equity (ROE) | 6.3600% | 3,377 |
| Retained earnings to average equity (ytd only) | 6.3600% | 1,917 |
| Net charge-offs to loans | 0.0584% | 1,667 |
| Credit loss provision to net charge-offs | 716.5025% | 988 |
| Earnings coverage of net charge-offs (x) | 30.1798% | 1,432 |
| Efficiency ratio | 66.5497% | 2,438 |
| Assets per employee ($millions) | 5.9780% | 2,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 1,960 |
| Loan loss allowance to noncurrent loans | 131.3060% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 0.8894% | 1,375 |
| Noncurrent loans to loans | 0.9966% | 1,560 |
| Net loans and leases to total assets | 85.6710% | 151 |
| Net loans and leases to deposits | 99.7121% | 567 |
| Net loans and leases to core deposits | 107.4454% | 839 |
| Total domestic deposits to total assets | 85.9184% | 2,045 |
| Equity capital to assets | 12.0126% | 1,650 |
| Core capital (leverage) ratio | 12.2215% | 1,286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1170% | 1,461 |
| Memoranda: | ||
| Average total assets | $1,600,276,333 | 562 |
| Average earning assets | $1,513,739,667 | 549 |
| Average equity | $203,050,000 | 493 |
| Average total loans | $1,389,426,000 | 462 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9342% | 1,105 |
| Cost of funding earning assets | 0.7379% | 2,737 |
| Net interest margin | 4.1963% | 933 |
| Noninterest income to average assets | 0.6370% | 1,871 |
| Noninterest expense to average assets | 3.2394% | 1,337 |
| Loan and lease loss provision to assets | 0.0541% | 3,089 |
| Net operating income to assets | 1.0475% | 2,013 |
| Return on assets (ROA) | 0.3819% | 4,210 |
| Pretax return on assets | 0.4790% | 4,151 |
| Return on Equity (ROE) | 2.9222% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.9222% | 3,117 |
| Net charge-offs to loans | 0.0480% | 1,531 |
| Credit loss provision to net charge-offs | 130.0000% | 1,669 |
| Earnings coverage of net charge-offs (x) | 32.7750% | 1,124 |
| Efficiency ratio | 69.9514% | 2,359 |
| Assets per employee ($millions) | 5.3356% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 2,218 |
| Loan loss allowance to noncurrent loans | 144.1925% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 1,691 |
| Noncurrent loans to loans | 0.8907% | 1,832 |
| Net loans and leases to total assets | 85.2879% | 183 |
| Net loans and leases to deposits | 103.6077% | 384 |
| Net loans and leases to core deposits | 116.0083% | 587 |
| Total domestic deposits to total assets | 82.3181% | 3,326 |
| Equity capital to assets | 13.0987% | 1,379 |
| Core capital (leverage) ratio | 13.0356% | 1,194 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0977% | 1,580 |
| Memoranda: | ||
| Average total assets | $1,536,591,500 | 559 |
| Average earning assets | $1,452,786,500 | 543 |
| Average equity | $200,807,500 | 492 |
| Average total loans | $1,334,280,500 | 469 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 984 |
| Cost of funding earning assets | 0.8886% | 2,237 |
| Net interest margin | 4.3147% | 1,065 |
| Noninterest income to average assets | 0.7179% | 1,750 |
| Noninterest expense to average assets | 3.4698% | 1,004 |
| Loan and lease loss provision to assets | 0.1191% | 1,779 |
| Net operating income to assets | 0.9654% | 2,970 |
| Return on assets (ROA) | 1.1161% | 2,475 |
| Pretax return on assets | 1.3885% | 2,202 |
| Return on Equity (ROE) | 8.7225% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.7225% | 782 |
| Net charge-offs to loans | 0.1401% | 1,389 |
| Credit loss provision to net charge-offs | 100.9127% | 2,449 |
| Earnings coverage of net charge-offs (x) | 11.1780% | 2,516 |
| Efficiency ratio | 72.0520% | 1,861 |
| Assets per employee ($millions) | 5.4301% | 2,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2857% | 1,994 |
| Loan loss allowance to noncurrent loans | 149.9168% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.7795% | 1,657 |
| Noncurrent loans to loans | 0.8576% | 1,795 |
| Net loans and leases to total assets | 86.1541% | 156 |
| Net loans and leases to deposits | 100.1868% | 596 |
| Net loans and leases to core deposits | 112.6662% | 731 |
| Total domestic deposits to total assets | 85.9935% | 2,072 |
| Equity capital to assets | 13.0376% | 1,496 |
| Core capital (leverage) ratio | 12.9298% | 1,265 |
| Tier 1 risk-based capital ratio | 14.8606% | 2,841 |
| Total risk-based capital ratio | 16.1121% | 2,768 |
| Memoranda: | ||
| Average total assets | $1,485,314,400 | 556 |
| Average earning assets | $1,401,452,800 | 541 |
| Average equity | $190,048,000 | 493 |
| Average total loans | $1,251,025,600 | 481 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2183% | 1,001 |
| Cost of funding earning assets | 0.9166% | 2,153 |
| Net interest margin | 4.3018% | 1,162 |
| Noninterest income to average assets | 0.6837% | 1,857 |
| Noninterest expense to average assets | 3.3225% | 1,221 |
| Loan and lease loss provision to assets | 0.1070% | 1,810 |
| Net operating income to assets | 1.0364% | 2,834 |
| Return on assets (ROA) | 1.1389% | 2,504 |
| Pretax return on assets | 1.4389% | 2,158 |
| Return on Equity (ROE) | 8.9449% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.9449% | 1,065 |
| Net charge-offs to loans | 0.1049% | 1,423 |
| Credit loss provision to net charge-offs | 122.3140% | 1,929 |
| Earnings coverage of net charge-offs (x) | 16.1860% | 2,149 |
| Efficiency ratio | 69.7089% | 2,162 |
| Assets per employee ($millions) | 5.3665% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 1,805 |
| Loan loss allowance to noncurrent loans | 121.3280% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 0.9865% | 1,366 |
| Noncurrent loans to loans | 1.1029% | 1,440 |
| Net loans and leases to total assets | 84.9963% | 255 |
| Net loans and leases to deposits | 98.9265% | 725 |
| Net loans and leases to core deposits | 110.6675% | 919 |
| Total domestic deposits to total assets | 85.9187% | 2,026 |
| Equity capital to assets | 12.9943% | 1,632 |
| Core capital (leverage) ratio | 13.2317% | 1,244 |
| Tier 1 risk-based capital ratio | 14.8682% | 2,914 |
| Total risk-based capital ratio | 16.1202% | 2,839 |
| Memoranda: | ||
| Average total assets | $1,475,178,000 | 561 |
| Average earning assets | $1,390,526,750 | 548 |
| Average equity | $187,826,000 | 500 |
| Average total loans | $1,230,853,750 | 485 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1866% | 1,002 |
| Cost of funding earning assets | 0.9423% | 1,957 |
| Net interest margin | 4.2443% | 1,252 |
| Noninterest income to average assets | 0.6420% | 1,964 |
| Noninterest expense to average assets | 3.3058% | 1,272 |
| Loan and lease loss provision to assets | 0.1507% | 1,214 |
| Net operating income to assets | 0.9413% | 3,124 |
| Return on assets (ROA) | 1.0902% | 2,630 |
| Pretax return on assets | 1.3773% | 2,273 |
| Return on Equity (ROE) | 8.6226% | 3,015 |
| Retained earnings to average equity (ytd only) | 8.6226% | 1,158 |
| Net charge-offs to loans | 0.1228% | 1,213 |
| Credit loss provision to net charge-offs | 148.7214% | 1,505 |
| Earnings coverage of net charge-offs (x) | 13.2167% | 2,113 |
| Efficiency ratio | 70.7447% | 2,112 |
| Assets per employee ($millions) | 5.1893% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4152% | 1,547 |
| Loan loss allowance to noncurrent loans | 118.8555% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.0664% | 1,281 |
| Noncurrent loans to loans | 1.1907% | 1,347 |
| Net loans and leases to total assets | 84.9536% | 287 |
| Net loans and leases to deposits | 99.3371% | 725 |
| Net loans and leases to core deposits | 110.2623% | 960 |
| Total domestic deposits to total assets | 85.5206% | 2,256 |
| Equity capital to assets | 13.2796% | 1,448 |
| Core capital (leverage) ratio | 13.1623% | 1,231 |
| Tier 1 risk-based capital ratio | 15.0706% | 2,805 |
| Total risk-based capital ratio | 16.3232% | 2,723 |
| Memoranda: | ||
| Average total assets | $1,466,028,670 | 565 |
| Average earning assets | $1,382,841,330 | 550 |
| Average equity | $185,349,670 | 503 |
| Average total loans | $1,209,638,670 | 494 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1098% | 1,080 |
| Cost of funding earning assets | 0.9472% | 1,808 |
| Net interest margin | 4.1626% | 1,395 |
| Noninterest income to average assets | 0.5594% | 2,231 |
| Noninterest expense to average assets | 3.3151% | 1,257 |
| Loan and lease loss provision to assets | 0.1502% | 1,118 |
| Net operating income to assets | 0.8122% | 3,573 |
| Return on assets (ROA) | 1.0282% | 2,788 |
| Pretax return on assets | 1.2996% | 2,456 |
| Return on Equity (ROE) | 8.3356% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.3356% | 1,536 |
| Net charge-offs to loans | 0.0478% | 1,596 |
| Credit loss provision to net charge-offs | 389.5105% | 707 |
| Earnings coverage of net charge-offs (x) | 30.4965% | 1,321 |
| Efficiency ratio | 73.3830% | 1,829 |
| Assets per employee ($millions) | 5.3743% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,518 |
| Loan loss allowance to noncurrent loans | 126.5347% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9785% | 1,428 |
| Noncurrent loans to loans | 1.1430% | 1,461 |
| Net loans and leases to total assets | 81.3717% | 660 |
| Net loans and leases to deposits | 93.9073% | 1,190 |
| Net loans and leases to core deposits | 110.6903% | 887 |
| Total domestic deposits to total assets | 86.6511% | 1,983 |
| Equity capital to assets | 12.6269% | 1,670 |
| Core capital (leverage) ratio | 12.3867% | 1,564 |
| Tier 1 risk-based capital ratio | 15.2532% | 2,774 |
| Total risk-based capital ratio | 16.5066% | 2,680 |
| Memoranda: | ||
| Average total assets | $1,482,916,500 | 560 |
| Average earning assets | $1,400,766,000 | 542 |
| Average equity | $182,926,500 | 505 |
| Average total loans | $1,197,354,000 | 503 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9798% | 1,095 |
| Cost of funding earning assets | 0.7128% | 2,006 |
| Net interest margin | 4.2670% | 1,234 |
| Noninterest income to average assets | 0.7518% | 1,637 |
| Noninterest expense to average assets | 3.2680% | 1,397 |
| Loan and lease loss provision to assets | 0.2070% | 907 |
| Net operating income to assets | 1.0398% | 2,846 |
| Return on assets (ROA) | 1.0356% | 2,848 |
| Pretax return on assets | 1.2857% | 2,556 |
| Return on Equity (ROE) | 8.2840% | 3,329 |
| Retained earnings to average equity (ytd only) | 8.2840% | 1,126 |
| Net charge-offs to loans | 0.5734% | 300 |
| Credit loss provision to net charge-offs | 43.2278% | 3,251 |
| Earnings coverage of net charge-offs (x) | 3.1287% | 3,446 |
| Efficiency ratio | 68.1422% | 2,514 |
| Assets per employee ($millions) | 5.6767% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,467 |
| Loan loss allowance to noncurrent loans | 112.6655% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 1,312 |
| Noncurrent loans to loans | 1.2831% | 1,238 |
| Net loans and leases to total assets | 77.8174% | 1,297 |
| Net loans and leases to deposits | 89.3180% | 1,891 |
| Net loans and leases to core deposits | 107.0621% | 1,187 |
| Total domestic deposits to total assets | 87.1240% | 1,720 |
| Equity capital to assets | 12.0504% | 1,862 |
| Core capital (leverage) ratio | 12.1995% | 1,613 |
| Tier 1 risk-based capital ratio | 15.2333% | 2,726 |
| Total risk-based capital ratio | 16.5803% | 2,614 |
| Memoranda: | ||
| Average total assets | $1,392,605,200 | 571 |
| Average earning assets | $1,310,057,400 | 555 |
| Average equity | $174,093,600 | 503 |
| Average total loans | $1,162,805,600 | 498 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 1,015 |
| Cost of funding earning assets | 0.6671% | 2,050 |
| Net interest margin | 4.2946% | 1,122 |
| Noninterest income to average assets | 0.7125% | 1,824 |
| Noninterest expense to average assets | 3.2455% | 1,419 |
| Loan and lease loss provision to assets | 0.0632% | 2,712 |
| Net operating income to assets | 1.1357% | 2,511 |
| Return on assets (ROA) | 1.1518% | 2,438 |
| Pretax return on assets | 1.4612% | 2,029 |
| Return on Equity (ROE) | 9.1230% | 3,031 |
| Retained earnings to average equity (ytd only) | 9.1230% | 1,173 |
| Net charge-offs to loans | 0.1163% | 1,344 |
| Credit loss provision to net charge-offs | 64.1584% | 2,694 |
| Earnings coverage of net charge-offs (x) | 15.2575% | 2,238 |
| Efficiency ratio | 67.8955% | 2,555 |
| Assets per employee ($millions) | 5.5312% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7514% | 800 |
| Loan loss allowance to noncurrent loans | 111.6313% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 1,037 |
| Noncurrent loans to loans | 1.5689% | 1,017 |
| Net loans and leases to total assets | 80.3878% | 959 |
| Net loans and leases to deposits | 92.7463% | 1,528 |
| Net loans and leases to core deposits | 109.7834% | 1,051 |
| Total domestic deposits to total assets | 86.6749% | 1,879 |
| Equity capital to assets | 12.4583% | 1,619 |
| Core capital (leverage) ratio | 12.6831% | 1,428 |
| Tier 1 risk-based capital ratio | 15.2016% | 2,787 |
| Total risk-based capital ratio | 16.6200% | 2,636 |
| Memoranda: | ||
| Average total assets | $1,366,091,250 | 581 |
| Average earning assets | $1,284,158,000 | 563 |
| Average equity | $172,468,500 | 502 |
| Average total loans | $1,157,675,750 | 497 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9627% | 889 |
| Cost of funding earning assets | 0.6332% | 2,030 |
| Net interest margin | 4.3295% | 979 |
| Noninterest income to average assets | 0.7012% | 1,864 |
| Noninterest expense to average assets | 3.2770% | 1,375 |
| Loan and lease loss provision to assets | 0.0702% | 2,478 |
| Net operating income to assets | 1.1213% | 2,511 |
| Return on assets (ROA) | 1.1521% | 2,389 |
| Pretax return on assets | 1.4611% | 1,953 |
| Return on Equity (ROE) | 9.0833% | 2,980 |
| Retained earnings to average equity (ytd only) | 9.0833% | 1,185 |
| Net charge-offs to loans | 0.1405% | 1,076 |
| Credit loss provision to net charge-offs | 58.2716% | 2,438 |
| Earnings coverage of net charge-offs (x) | 12.3802% | 2,209 |
| Efficiency ratio | 68.2664% | 2,599 |
| Assets per employee ($millions) | 5.1758% | 2,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7853% | 773 |
| Loan loss allowance to noncurrent loans | 149.0104% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 1.0506% | 1,418 |
| Noncurrent loans to loans | 1.1981% | 1,454 |
| Net loans and leases to total assets | 84.3442% | 422 |
| Net loans and leases to deposits | 98.2805% | 951 |
| Net loans and leases to core deposits | 116.4179% | 697 |
| Total domestic deposits to total assets | 85.8199% | 2,359 |
| Equity capital to assets | 12.9769% | 1,302 |
| Core capital (leverage) ratio | 12.9814% | 1,220 |
| Tier 1 risk-based capital ratio | 15.2386% | 2,764 |
| Total risk-based capital ratio | 16.4966% | 2,688 |
| Memoranda: | ||
| Average total assets | $1,343,931,000 | 586 |
| Average earning assets | $1,262,769,000 | 575 |
| Average equity | $170,466,670 | 507 |
| Average total loans | $1,152,853,670 | 497 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 852 |
| Cost of funding earning assets | 0.6234% | 1,893 |
| Net interest margin | 4.2881% | 968 |
| Noninterest income to average assets | 0.6569% | 2,007 |
| Noninterest expense to average assets | 3.2116% | 1,542 |
| Loan and lease loss provision to assets | 0.0672% | 2,422 |
| Net operating income to assets | 1.1089% | 2,387 |
| Return on assets (ROA) | 1.1293% | 2,307 |
| Pretax return on assets | 1.4322% | 1,894 |
| Return on Equity (ROE) | 9.0066% | 2,905 |
| Retained earnings to average equity (ytd only) | 9.0066% | 1,458 |
| Net charge-offs to loans | 0.1089% | 1,122 |
| Credit loss provision to net charge-offs | 71.9745% | 1,811 |
| Earnings coverage of net charge-offs (x) | 15.7866% | 1,651 |
| Efficiency ratio | 68.0985% | 2,814 |
| Assets per employee ($millions) | 5.2054% | 2,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8274% | 740 |
| Loan loss allowance to noncurrent loans | 143.6572% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 1.1038% | 1,405 |
| Noncurrent loans to loans | 1.2721% | 1,414 |
| Net loans and leases to total assets | 83.2151% | 520 |
| Net loans and leases to deposits | 100.4141% | 674 |
| Net loans and leases to core deposits | 143.6676% | 177 |
| Total domestic deposits to total assets | 82.8719% | 3,708 |
| Equity capital to assets | 12.6688% | 1,395 |
| Core capital (leverage) ratio | 12.5014% | 1,390 |
| Tier 1 risk-based capital ratio | 14.9871% | 2,870 |
| Total risk-based capital ratio | 16.2455% | 2,796 |
| Memoranda: | ||
| Average total assets | $1,345,628,000 | 592 |
| Average earning assets | $1,264,047,000 | 577 |
| Average equity | $168,720,000 | 516 |
| Average total loans | $1,153,671,500 | 499 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 899 |
| Cost of funding earning assets | 0.5068% | 2,270 |
| Net interest margin | 4.3391% | 886 |
| Noninterest income to average assets | 0.7604% | 1,731 |
| Noninterest expense to average assets | 3.4548% | 1,122 |
| Loan and lease loss provision to assets | 0.1099% | 2,053 |
| Net operating income to assets | 0.6755% | 3,704 |
| Return on assets (ROA) | 0.7785% | 3,297 |
| Pretax return on assets | 1.4114% | 1,954 |
| Return on Equity (ROE) | 6.2572% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.2572% | 1,406 |
| Net charge-offs to loans | 0.1049% | 2,015 |
| Credit loss provision to net charge-offs | 121.2121% | 2,154 |
| Earnings coverage of net charge-offs (x) | 15.0101% | 2,276 |
| Efficiency ratio | 71.0515% | 2,390 |
| Assets per employee ($millions) | 5.3291% | 2,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7871% | 796 |
| Loan loss allowance to noncurrent loans | 140.9079% | 2,926 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 1,304 |
| Noncurrent loans to loans | 1.2683% | 1,387 |
| Net loans and leases to total assets | 85.1522% | 331 |
| Net loans and leases to deposits | 101.8756% | 612 |
| Net loans and leases to core deposits | 119.9774% | 581 |
| Total domestic deposits to total assets | 83.5845% | 3,361 |
| Equity capital to assets | 12.4085% | 1,569 |
| Core capital (leverage) ratio | 12.3899% | 1,406 |
| Tier 1 risk-based capital ratio | 14.2494% | 3,225 |
| Total risk-based capital ratio | 15.5072% | 3,117 |
| Memoranda: | ||
| Average total assets | $1,310,847,400 | 586 |
| Average earning assets | $1,224,921,000 | 575 |
| Average equity | $163,093,200 | 511 |
| Average total loans | $1,131,976,400 | 480 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8042% | 922 |
| Cost of funding earning assets | 0.4927% | 2,327 |
| Net interest margin | 4.3115% | 897 |
| Noninterest income to average assets | 0.6972% | 2,014 |
| Noninterest expense to average assets | 3.4638% | 1,047 |
| Loan and lease loss provision to assets | 0.0316% | 3,488 |
| Net operating income to assets | 0.8654% | 3,200 |
| Return on assets (ROA) | 0.9552% | 2,809 |
| Pretax return on assets | 1.3551% | 2,258 |
| Return on Equity (ROE) | 7.6719% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.6719% | 1,358 |
| Net charge-offs to loans | 0.0550% | 2,351 |
| Credit loss provision to net charge-offs | 66.5227% | 2,733 |
| Earnings coverage of net charge-offs (x) | 26.5312% | 1,678 |
| Efficiency ratio | 72.6354% | 2,111 |
| Assets per employee ($millions) | 5.3053% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7715% | 902 |
| Loan loss allowance to noncurrent loans | 167.6680% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9446% | 1,806 |
| Noncurrent loans to loans | 1.0565% | 1,825 |
| Net loans and leases to total assets | 84.6223% | 378 |
| Net loans and leases to deposits | 100.5160% | 711 |
| Net loans and leases to core deposits | 120.8253% | 563 |
| Total domestic deposits to total assets | 84.1879% | 3,048 |
| Equity capital to assets | 12.4405% | 1,688 |
| Core capital (leverage) ratio | 12.3548% | 1,483 |
| Tier 1 risk-based capital ratio | 14.0297% | 3,428 |
| Total risk-based capital ratio | 15.2868% | 3,340 |
| Memoranda: | ||
| Average total assets | $1,301,493,500 | 591 |
| Average earning assets | $1,215,005,500 | 580 |
| Average equity | $162,041,750 | 516 |
| Average total loans | $1,122,728,750 | 486 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7358% | 990 |
| Cost of funding earning assets | 0.4653% | 2,452 |
| Net interest margin | 4.2705% | 939 |
| Noninterest income to average assets | 0.6698% | 2,129 |
| Noninterest expense to average assets | 3.5911% | 880 |
| Loan and lease loss provision to assets | -0.0093% | 5,543 |
| Net operating income to assets | 0.7771% | 3,508 |
| Return on assets (ROA) | 0.9131% | 2,899 |
| Pretax return on assets | 1.2600% | 2,532 |
| Return on Equity (ROE) | 7.3319% | 3,376 |
| Retained earnings to average equity (ytd only) | 7.3319% | 1,437 |
| Net charge-offs to loans | 0.0104% | 3,091 |
| Credit loss provision to net charge-offs | -103.4483% | 4,355 |
| Earnings coverage of net charge-offs (x) | 117.8966% | 582 |
| Efficiency ratio | 76.4443% | 1,649 |
| Assets per employee ($millions) | 5.2102% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7986% | 890 |
| Loan loss allowance to noncurrent loans | 197.8309% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 2,097 |
| Noncurrent loans to loans | 0.9092% | 2,153 |
| Net loans and leases to total assets | 85.6734% | 294 |
| Net loans and leases to deposits | 104.0858% | 491 |
| Net loans and leases to core deposits | 129.0068% | 328 |
| Total domestic deposits to total assets | 82.3104% | 3,805 |
| Equity capital to assets | 12.4707% | 1,638 |
| Core capital (leverage) ratio | 12.4899% | 1,376 |
| Tier 1 risk-based capital ratio | 13.8459% | 3,507 |
| Total risk-based capital ratio | 15.1034% | 3,426 |
| Memoranda: | ||
| Average total assets | $1,287,909,330 | 598 |
| Average earning assets | $1,201,267,330 | 591 |
| Average equity | $160,395,000 | 522 |
| Average total loans | $1,111,530,330 | 487 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 967 |
| Cost of funding earning assets | 0.4387% | 2,628 |
| Net interest margin | 4.2428% | 899 |
| Noninterest income to average assets | 0.6025% | 2,400 |
| Noninterest expense to average assets | 3.8567% | 634 |
| Loan and lease loss provision to assets | 0.0069% | 3,470 |
| Net operating income to assets | 0.4734% | 4,695 |
| Return on assets (ROA) | 0.7412% | 3,567 |
| Pretax return on assets | 1.0886% | 3,031 |
| Return on Equity (ROE) | 5.9554% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.9554% | 2,366 |
| Net charge-offs to loans | 0.0069% | 2,732 |
| Credit loss provision to net charge-offs | 115.7895% | 1,435 |
| Earnings coverage of net charge-offs (x) | 118.0000% | 463 |
| Efficiency ratio | 83.8506% | 982 |
| Assets per employee ($millions) | 5.2071% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8691% | 841 |
| Loan loss allowance to noncurrent loans | 180.3582% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.9319% | 1,978 |
| Noncurrent loans to loans | 1.0363% | 1,987 |
| Net loans and leases to total assets | 84.2601% | 338 |
| Net loans and leases to deposits | 102.7786% | 457 |
| Net loans and leases to core deposits | 151.1185% | 101 |
| Total domestic deposits to total assets | 81.9822% | 4,173 |
| Equity capital to assets | 12.4020% | 1,593 |
| Core capital (leverage) ratio | 12.4260% | 1,373 |
| Tier 1 risk-based capital ratio | 13.9140% | 3,532 |
| Total risk-based capital ratio | 15.1721% | 3,437 |
| Memoranda: | ||
| Average total assets | $1,277,988,000 | 600 |
| Average earning assets | $1,191,579,000 | 595 |
| Average equity | $159,049,500 | 524 |
| Average total loans | $1,096,837,000 | 492 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 847 |
| Cost of funding earning assets | 0.4330% | 2,679 |
| Net interest margin | 4.3912% | 786 |
| Noninterest income to average assets | 0.8531% | 1,564 |
| Noninterest expense to average assets | 3.5394% | 1,103 |
| Loan and lease loss provision to assets | 0.1075% | 2,254 |
| Net operating income to assets | 0.8709% | 2,975 |
| Return on assets (ROA) | 0.8590% | 3,140 |
| Pretax return on assets | 1.2670% | 2,410 |
| Return on Equity (ROE) | 6.8239% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.8239% | 1,299 |
| Net charge-offs to loans | 0.1499% | 1,764 |
| Credit loss provision to net charge-offs | 82.6641% | 2,934 |
| Earnings coverage of net charge-offs (x) | 10.6845% | 2,617 |
| Efficiency ratio | 71.0775% | 2,732 |
| Assets per employee ($millions) | 5.0996% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8947% | 813 |
| Loan loss allowance to noncurrent loans | 171.5913% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 1,751 |
| Noncurrent loans to loans | 1.1042% | 1,879 |
| Net loans and leases to total assets | 84.1597% | 371 |
| Net loans and leases to deposits | 101.1025% | 593 |
| Net loans and leases to core deposits | 147.8181% | 125 |
| Total domestic deposits to total assets | 83.2419% | 3,678 |
| Equity capital to assets | 12.4892% | 1,534 |
| Core capital (leverage) ratio | 12.6237% | 1,290 |
| Tier 1 risk-based capital ratio | 13.9879% | 3,468 |
| Total risk-based capital ratio | 15.3927% | 3,308 |
| Memoranda: | ||
| Average total assets | $1,206,968,200 | 610 |
| Average earning assets | $1,120,091,600 | 598 |
| Average equity | $151,937,400 | 523 |
| Average total loans | $1,046,356,800 | 488 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 800 |
| Cost of funding earning assets | 0.4385% | 2,654 |
| Net interest margin | 4.4174% | 750 |
| Noninterest income to average assets | 0.8219% | 1,681 |
| Noninterest expense to average assets | 3.6427% | 931 |
| Loan and lease loss provision to assets | 0.1001% | 2,234 |
| Net operating income to assets | 0.8066% | 3,335 |
| Return on assets (ROA) | 0.7493% | 3,737 |
| Pretax return on assets | 1.0960% | 3,245 |
| Return on Equity (ROE) | 5.9401% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.9401% | 2,215 |
| Net charge-offs to loans | 0.1421% | 1,567 |
| Credit loss provision to net charge-offs | 80.9783% | 2,650 |
| Earnings coverage of net charge-offs (x) | 10.3207% | 2,581 |
| Efficiency ratio | 73.3182% | 2,389 |
| Assets per employee ($millions) | 4.9367% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9712% | 758 |
| Loan loss allowance to noncurrent loans | 152.1126% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 1,566 |
| Noncurrent loans to loans | 1.2959% | 1,718 |
| Net loans and leases to total assets | 83.4135% | 465 |
| Net loans and leases to deposits | 99.8408% | 714 |
| Net loans and leases to core deposits | 142.6115% | 173 |
| Total domestic deposits to total assets | 83.5465% | 3,376 |
| Equity capital to assets | 12.5203% | 1,767 |
| Core capital (leverage) ratio | 12.5764% | 1,369 |
| Tier 1 risk-based capital ratio | 13.7450% | 3,712 |
| Total risk-based capital ratio | 15.1089% | 3,559 |
| Memoranda: | ||
| Average total assets | $1,191,257,500 | 614 |
| Average earning assets | $1,104,592,000 | 602 |
| Average equity | $150,274,500 | 529 |
| Average total loans | $1,035,619,000 | 492 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 740 |
| Cost of funding earning assets | 0.4394% | 2,659 |
| Net interest margin | 4.4508% | 690 |
| Noninterest income to average assets | 0.7720% | 1,839 |
| Noninterest expense to average assets | 3.6635% | 925 |
| Loan and lease loss provision to assets | 0.1011% | 2,151 |
| Net operating income to assets | 0.7578% | 3,515 |
| Return on assets (ROA) | 0.6789% | 4,044 |
| Pretax return on assets | 1.0216% | 3,505 |
| Return on Equity (ROE) | 5.3675% | 4,351 |
| Retained earnings to average equity (ytd only) | 5.3675% | 2,505 |
| Net charge-offs to loans | 0.1176% | 1,657 |
| Credit loss provision to net charge-offs | 98.1848% | 2,153 |
| Earnings coverage of net charge-offs (x) | 12.0033% | 2,215 |
| Efficiency ratio | 74.0089% | 2,357 |
| Assets per employee ($millions) | 4.8209% | 2,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 762 |
| Loan loss allowance to noncurrent loans | 144.5967% | 2,946 |
| Noncurrent assets plus other real estate owned to assets | 1.3895% | 1,418 |
| Noncurrent loans to loans | 1.3730% | 1,629 |
| Net loans and leases to total assets | 85.9583% | 257 |
| Net loans and leases to deposits | 106.1328% | 360 |
| Net loans and leases to core deposits | 151.9656% | 114 |
| Total domestic deposits to total assets | 80.9912% | 4,283 |
| Equity capital to assets | 12.5981% | 1,710 |
| Core capital (leverage) ratio | 12.6797% | 1,272 |
| Tier 1 risk-based capital ratio | 13.3065% | 4,016 |
| Total risk-based capital ratio | 14.6383% | 3,877 |
| Memoranda: | ||
| Average total assets | $1,176,949,000 | 619 |
| Average earning assets | $1,091,499,670 | 607 |
| Average equity | $148,858,330 | 536 |
| Average total loans | $1,030,766,670 | 493 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 609 |
| Cost of funding earning assets | 0.4349% | 2,723 |
| Net interest margin | 4.5415% | 564 |
| Noninterest income to average assets | 0.7645% | 1,759 |
| Noninterest expense to average assets | 3.6783% | 920 |
| Loan and lease loss provision to assets | 0.0862% | 2,244 |
| Net operating income to assets | 0.8222% | 3,138 |
| Return on assets (ROA) | 0.8149% | 3,294 |
| Pretax return on assets | 1.2053% | 2,680 |
| Return on Equity (ROE) | 6.4304% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.4304% | 2,175 |
| Net charge-offs to loans | 0.1039% | 1,504 |
| Credit loss provision to net charge-offs | 94.7170% | 1,720 |
| Earnings coverage of net charge-offs (x) | 14.2755% | 1,705 |
| Efficiency ratio | 73.1480% | 2,613 |
| Assets per employee ($millions) | 4.7243% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0433% | 766 |
| Loan loss allowance to noncurrent loans | 143.1399% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 1.4636% | 1,410 |
| Noncurrent loans to loans | 1.4275% | 1,667 |
| Net loans and leases to total assets | 85.5083% | 257 |
| Net loans and leases to deposits | 102.7091% | 479 |
| Net loans and leases to core deposits | 149.5502% | 109 |
| Total domestic deposits to total assets | 83.2529% | 3,806 |
| Equity capital to assets | 12.7156% | 1,551 |
| Core capital (leverage) ratio | 12.8781% | 1,209 |
| Tier 1 risk-based capital ratio | 13.4080% | 4,041 |
| Total risk-based capital ratio | 14.7054% | 3,929 |
| Memoranda: | ||
| Average total assets | $1,165,227,500 | 626 |
| Average earning assets | $1,080,777,500 | 615 |
| Average equity | $147,674,000 | 535 |
| Average total loans | $1,019,782,000 | 496 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8945% | 779 |
| Cost of funding earning assets | 0.4875% | 2,288 |
| Net interest margin | 4.4070% | 787 |
| Noninterest income to average assets | 0.8563% | 1,586 |
| Noninterest expense to average assets | 3.5398% | 1,230 |
| Loan and lease loss provision to assets | 0.0377% | 3,593 |
| Net operating income to assets | 0.9297% | 2,704 |
| Return on assets (ROA) | 0.8099% | 3,375 |
| Pretax return on assets | 1.2028% | 2,651 |
| Return on Equity (ROE) | 6.4399% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.4399% | 1,573 |
| Net charge-offs to loans | 0.0587% | 3,043 |
| Credit loss provision to net charge-offs | 73.5751% | 3,061 |
| Earnings coverage of net charge-offs (x) | 27.6632% | 1,542 |
| Efficiency ratio | 70.6135% | 3,123 |
| Assets per employee ($millions) | 4.8084% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0565% | 732 |
| Loan loss allowance to noncurrent loans | 139.3788% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 1.5134% | 1,336 |
| Noncurrent loans to loans | 1.4755% | 1,577 |
| Net loans and leases to total assets | 85.9418% | 237 |
| Net loans and leases to deposits | 104.3418% | 421 |
| Net loans and leases to core deposits | 147.4924% | 122 |
| Total domestic deposits to total assets | 82.3656% | 4,067 |
| Equity capital to assets | 12.6307% | 1,544 |
| Core capital (leverage) ratio | 12.8623% | 1,202 |
| Tier 1 risk-based capital ratio | 13.3161% | 4,094 |
| Total risk-based capital ratio | 14.6083% | 4,019 |
| Memoranda: | ||
| Average total assets | $1,129,586,600 | 620 |
| Average earning assets | $1,051,270,400 | 618 |
| Average equity | $142,066,400 | 533 |
| Average total loans | $986,857,800 | 487 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 780 |
| Cost of funding earning assets | 0.5087% | 2,131 |
| Net interest margin | 4.3830% | 823 |
| Noninterest income to average assets | 0.8017% | 1,798 |
| Noninterest expense to average assets | 3.4762% | 1,329 |
| Loan and lease loss provision to assets | 0.0368% | 3,479 |
| Net operating income to assets | 0.9206% | 2,857 |
| Return on assets (ROA) | 0.8751% | 3,149 |
| Pretax return on assets | 1.3041% | 2,385 |
| Return on Equity (ROE) | 6.9658% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.9658% | 1,705 |
| Net charge-offs to loans | 0.0547% | 2,822 |
| Credit loss provision to net charge-offs | 77.1144% | 2,658 |
| Earnings coverage of net charge-offs (x) | 29.4501% | 1,516 |
| Efficiency ratio | 70.3910% | 3,150 |
| Assets per employee ($millions) | 4.7522% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1122% | 760 |
| Loan loss allowance to noncurrent loans | 127.3887% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.6788% | 1,297 |
| Noncurrent loans to loans | 1.6581% | 1,477 |
| Net loans and leases to total assets | 85.2173% | 281 |
| Net loans and leases to deposits | 103.6075% | 467 |
| Net loans and leases to core deposits | 139.9727% | 166 |
| Total domestic deposits to total assets | 82.2502% | 4,085 |
| Equity capital to assets | 12.5943% | 1,691 |
| Core capital (leverage) ratio | 12.5645% | 1,375 |
| Tier 1 risk-based capital ratio | 13.3021% | 4,250 |
| Total risk-based capital ratio | 14.5614% | 4,175 |
| Memoranda: | ||
| Average total assets | $1,122,275,000 | 632 |
| Average earning assets | $1,044,947,500 | 618 |
| Average equity | $140,990,750 | 537 |
| Average total loans | $979,364,000 | 489 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8763% | 772 |
| Cost of funding earning assets | 0.5308% | 1,977 |
| Net interest margin | 4.3456% | 844 |
| Noninterest income to average assets | 0.8079% | 1,742 |
| Noninterest expense to average assets | 3.5064% | 1,289 |
| Loan and lease loss provision to assets | 0.0770% | 2,582 |
| Net operating income to assets | 0.8507% | 3,126 |
| Return on assets (ROA) | 0.8357% | 3,309 |
| Pretax return on assets | 1.2466% | 2,564 |
| Return on Equity (ROE) | 6.6578% | 3,807 |
| Retained earnings to average equity (ytd only) | 6.6578% | 1,872 |
| Net charge-offs to loans | 0.1057% | 1,945 |
| Credit loss provision to net charge-offs | 83.4951% | 2,286 |
| Earnings coverage of net charge-offs (x) | 14.6019% | 2,044 |
| Efficiency ratio | 71.4275% | 3,086 |
| Assets per employee ($millions) | 4.7649% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1444% | 799 |
| Loan loss allowance to noncurrent loans | 125.9546% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 1,310 |
| Noncurrent loans to loans | 1.7025% | 1,521 |
| Net loans and leases to total assets | 85.1357% | 289 |
| Net loans and leases to deposits | 102.3708% | 529 |
| Net loans and leases to core deposits | 148.5455% | 115 |
| Total domestic deposits to total assets | 83.1641% | 3,881 |
| Equity capital to assets | 12.6549% | 1,576 |
| Core capital (leverage) ratio | 12.5838% | 1,339 |
| Tier 1 risk-based capital ratio | 13.2082% | 4,391 |
| Total risk-based capital ratio | 14.5274% | 4,290 |
| Memoranda: | ||
| Average total assets | $1,116,190,670 | 637 |
| Average earning assets | $1,039,223,330 | 625 |
| Average equity | $140,107,330 | 541 |
| Average total loans | $974,852,330 | 488 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8916% | 714 |
| Cost of funding earning assets | 0.5653% | 1,703 |
| Net interest margin | 4.3263% | 831 |
| Noninterest income to average assets | 0.6144% | 2,578 |
| Noninterest expense to average assets | 3.1517% | 2,123 |
| Loan and lease loss provision to assets | -0.0097% | 6,101 |
| Net operating income to assets | 1.0303% | 2,124 |
| Return on assets (ROA) | 1.0367% | 2,240 |
| Pretax return on assets | 1.5100% | 1,535 |
| Return on Equity (ROE) | 8.2930% | 2,811 |
| Retained earnings to average equity (ytd only) | 8.2930% | 1,459 |
| Net charge-offs to loans | -0.0012% | 4,332 |
| Credit loss provision to net charge-offs | 900.0000% | 358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0074% | 3,989 |
| Assets per employee ($millions) | 4.7697% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1523% | 855 |
| Loan loss allowance to noncurrent loans | 131.8544% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.7682% | 1,389 |
| Noncurrent loans to loans | 1.6324% | 1,710 |
| Net loans and leases to total assets | 86.0683% | 184 |
| Net loans and leases to deposits | 103.5799% | 388 |
| Net loans and leases to core deposits | 153.8786% | 92 |
| Total domestic deposits to total assets | 83.0937% | 4,153 |
| Equity capital to assets | 12.6421% | 1,603 |
| Core capital (leverage) ratio | 12.4545% | 1,378 |
| Tier 1 risk-based capital ratio | 13.3694% | 4,383 |
| Total risk-based capital ratio | 13.4309% | 5,030 |
| Memoranda: | ||
| Average total assets | $1,112,032,000 | 635 |
| Average earning assets | $1,035,907,000 | 621 |
| Average equity | $139,008,500 | 548 |
| Average total loans | $973,110,000 | 485 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0240% | 734 |
| Cost of funding earning assets | 0.6858% | 1,174 |
| Net interest margin | 4.3382% | 981 |
| Noninterest income to average assets | 0.8847% | 1,552 |
| Noninterest expense to average assets | 3.4508% | 1,597 |
| Loan and lease loss provision to assets | 0.2453% | 939 |
| Net operating income to assets | 0.8299% | 3,224 |
| Return on assets (ROA) | 0.8176% | 3,377 |
| Pretax return on assets | 1.1977% | 2,659 |
| Return on Equity (ROE) | 6.6473% | 3,816 |
| Retained earnings to average equity (ytd only) | 6.6473% | 1,572 |
| Net charge-offs to loans | 0.3132% | 1,405 |
| Credit loss provision to net charge-offs | 89.0379% | 2,663 |
| Earnings coverage of net charge-offs (x) | 5.2856% | 3,465 |
| Efficiency ratio | 69.4950% | 3,630 |
| Assets per employee ($millions) | 4.6754% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1745% | 850 |
| Loan loss allowance to noncurrent loans | 139.0271% | 2,974 |
| Noncurrent assets plus other real estate owned to assets | 1.6974% | 1,573 |
| Noncurrent loans to loans | 1.5641% | 1,870 |
| Net loans and leases to total assets | 85.1608% | 269 |
| Net loans and leases to deposits | 104.3322% | 422 |
| Net loans and leases to core deposits | 149.2118% | 116 |
| Total domestic deposits to total assets | 81.6246% | 4,560 |
| Equity capital to assets | 12.3588% | 1,727 |
| Core capital (leverage) ratio | 12.1403% | 1,540 |
| Tier 1 risk-based capital ratio | 13.9923% | 4,101 |
| Total risk-based capital ratio | 15.3220% | 3,964 |
| Memoranda: | ||
| Average total assets | $1,082,704,400 | 621 |
| Average earning assets | $1,003,871,800 | 603 |
| Average equity | $133,167,400 | 545 |
| Average total loans | $952,397,800 | 474 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0242% | 738 |
| Cost of funding earning assets | 0.7023% | 1,140 |
| Net interest margin | 4.3219% | 1,005 |
| Noninterest income to average assets | 0.7464% | 2,112 |
| Noninterest expense to average assets | 3.4011% | 1,663 |
| Loan and lease loss provision to assets | 0.2259% | 999 |
| Net operating income to assets | 0.7598% | 3,626 |
| Return on assets (ROA) | 0.7718% | 3,664 |
| Pretax return on assets | 1.1446% | 3,013 |
| Return on Equity (ROE) | 6.2830% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.2830% | 2,233 |
| Net charge-offs to loans | 0.3151% | 1,267 |
| Credit loss provision to net charge-offs | 81.3030% | 2,572 |
| Earnings coverage of net charge-offs (x) | 4.8554% | 3,367 |
| Efficiency ratio | 70.7346% | 3,381 |
| Assets per employee ($millions) | 4.5809% | 2,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1563% | 1,010 |
| Loan loss allowance to noncurrent loans | 127.5514% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.8589% | 1,588 |
| Noncurrent loans to loans | 1.6905% | 1,925 |
| Net loans and leases to total assets | 86.5573% | 164 |
| Net loans and leases to deposits | 104.0438% | 403 |
| Net loans and leases to core deposits | 149.6535% | 103 |
| Total domestic deposits to total assets | 83.1931% | 4,067 |
| Equity capital to assets | 12.3070% | 1,822 |
| Core capital (leverage) ratio | 11.9030% | 1,760 |
| Tier 1 risk-based capital ratio | 13.6256% | 4,460 |
| Total risk-based capital ratio | 14.9879% | 4,326 |
| Memoranda: | ||
| Average total assets | $1,075,197,000 | 624 |
| Average earning assets | $996,106,000 | 606 |
| Average equity | $132,079,000 | 550 |
| Average total loans | $948,328,000 | 471 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 779 |
| Cost of funding earning assets | 0.7108% | 1,134 |
| Net interest margin | 4.2697% | 1,092 |
| Noninterest income to average assets | 0.7797% | 1,917 |
| Noninterest expense to average assets | 3.5578% | 1,372 |
| Loan and lease loss provision to assets | 0.2317% | 985 |
| Net operating income to assets | 0.6346% | 4,184 |
| Return on assets (ROA) | 0.6584% | 4,151 |
| Pretax return on assets | 0.9838% | 3,542 |
| Return on Equity (ROE) | 5.3632% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.3632% | 2,726 |
| Net charge-offs to loans | 0.3574% | 1,146 |
| Credit loss provision to net charge-offs | 73.5714% | 2,412 |
| Earnings coverage of net charge-offs (x) | 3.7369% | 3,229 |
| Efficiency ratio | 74.2766% | 2,927 |
| Assets per employee ($millions) | 4.5553% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1984% | 1,028 |
| Loan loss allowance to noncurrent loans | 122.7411% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 1.9995% | 1,606 |
| Noncurrent loans to loans | 1.7911% | 1,922 |
| Net loans and leases to total assets | 85.5942% | 206 |
| Net loans and leases to deposits | 102.6225% | 416 |
| Net loans and leases to core deposits | 152.8447% | 91 |
| Total domestic deposits to total assets | 83.4068% | 4,148 |
| Equity capital to assets | 12.2313% | 1,833 |
| Core capital (leverage) ratio | 11.9499% | 1,687 |
| Tier 1 risk-based capital ratio | 13.6005% | 4,526 |
| Total risk-based capital ratio | 15.0046% | 4,362 |
| Memoranda: | ||
| Average total assets | $1,067,126,670 | 625 |
| Average earning assets | $988,413,330 | 608 |
| Average equity | $131,004,000 | 554 |
| Average total loans | $940,240,670 | 471 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 784 |
| Cost of funding earning assets | 0.7112% | 1,181 |
| Net interest margin | 4.2437% | 1,110 |
| Noninterest income to average assets | 0.5282% | 3,204 |
| Noninterest expense to average assets | 3.3505% | 1,821 |
| Loan and lease loss provision to assets | 0.1681% | 1,439 |
| Net operating income to assets | 0.6345% | 4,027 |
| Return on assets (ROA) | 0.6983% | 3,773 |
| Pretax return on assets | 1.0338% | 3,196 |
| Return on Equity (ROE) | 5.6772% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.6772% | 2,701 |
| Net charge-offs to loans | 0.1520% | 1,811 |
| Credit loss provision to net charge-offs | 125.0704% | 1,405 |
| Earnings coverage of net charge-offs (x) | 8.2535% | 2,042 |
| Efficiency ratio | 74.1892% | 3,100 |
| Assets per employee ($millions) | 4.4738% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2737% | 1,066 |
| Loan loss allowance to noncurrent loans | 111.0250% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 2.2856% | 1,436 |
| Noncurrent loans to loans | 2.0479% | 1,812 |
| Net loans and leases to total assets | 86.3446% | 130 |
| Net loans and leases to deposits | 102.9580% | 331 |
| Net loans and leases to core deposits | 151.3348% | 92 |
| Total domestic deposits to total assets | 83.8639% | 4,323 |
| Equity capital to assets | 12.2368% | 1,727 |
| Core capital (leverage) ratio | 12.1888% | 1,540 |
| Tier 1 risk-based capital ratio | 13.5244% | 4,667 |
| Total risk-based capital ratio | 14.8854% | 4,542 |
| Memoranda: | ||
| Average total assets | $1,056,333,000 | 636 |
| Average earning assets | $978,667,500 | 618 |
| Average equity | $129,924,000 | 558 |
| Average total loans | $933,949,500 | 469 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2824% | 553 |
| Cost of funding earning assets | 0.7957% | 1,232 |
| Net interest margin | 4.4867% | 753 |
| Noninterest income to average assets | 0.9794% | 1,442 |
| Noninterest expense to average assets | 3.3850% | 1,914 |
| Loan and lease loss provision to assets | 0.3578% | 874 |
| Net operating income to assets | 0.9374% | 2,611 |
| Return on assets (ROA) | 0.9536% | 2,624 |
| Pretax return on assets | 1.4329% | 1,676 |
| Return on Equity (ROE) | 7.5281% | 3,282 |
| Retained earnings to average equity (ytd only) | 7.5281% | 1,224 |
| Net charge-offs to loans | 0.3367% | 1,995 |
| Credit loss provision to net charge-offs | 120.0818% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.9035% | 3,177 |
| Efficiency ratio | 65.4942% | 4,651 |
| Assets per employee ($millions) | 4.8987% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3171% | 1,024 |
| Loan loss allowance to noncurrent loans | 107.2446% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 2.3966% | 1,448 |
| Noncurrent loans to loans | 2.1606% | 1,819 |
| Net loans and leases to total assets | 86.4265% | 136 |
| Net loans and leases to deposits | 102.6560% | 373 |
| Net loans and leases to core deposits | 145.5832% | 115 |
| Total domestic deposits to total assets | 84.1904% | 4,096 |
| Equity capital to assets | 12.3638% | 1,584 |
| Core capital (leverage) ratio | 12.5816% | 1,316 |
| Tier 1 risk-based capital ratio | 13.6579% | 4,545 |
| Total risk-based capital ratio | 15.0334% | 4,396 |
| Memoranda: | ||
| Average total assets | $984,247,600 | 666 |
| Average earning assets | $913,642,200 | 652 |
| Average equity | $124,679,000 | 568 |
| Average total loans | $871,157,000 | 478 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 465 |
| Cost of funding earning assets | 0.8207% | 1,208 |
| Net interest margin | 4.5524% | 678 |
| Noninterest income to average assets | 0.8671% | 1,865 |
| Noninterest expense to average assets | 3.1397% | 2,535 |
| Loan and lease loss provision to assets | 0.2946% | 1,160 |
| Net operating income to assets | 1.1185% | 1,938 |
| Return on assets (ROA) | 1.1423% | 1,917 |
| Pretax return on assets | 1.7054% | 1,081 |
| Return on Equity (ROE) | 8.9601% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.9601% | 1,067 |
| Net charge-offs to loans | 0.2292% | 2,433 |
| Credit loss provision to net charge-offs | 145.2203% | 1,622 |
| Earnings coverage of net charge-offs (x) | 9.6386% | 2,459 |
| Efficiency ratio | 61.3076% | 5,228 |
| Assets per employee ($millions) | 4.6727% | 2,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4777% | 959 |
| Loan loss allowance to noncurrent loans | 112.3973% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 2.4001% | 1,621 |
| Noncurrent loans to loans | 2.2044% | 2,009 |
| Net loans and leases to total assets | 86.1155% | 147 |
| Net loans and leases to deposits | 104.9459% | 265 |
| Net loans and leases to core deposits | 151.9505% | 86 |
| Total domestic deposits to total assets | 82.0570% | 4,911 |
| Equity capital to assets | 13.0204% | 1,323 |
| Core capital (leverage) ratio | 12.8146% | 1,277 |
| Tier 1 risk-based capital ratio | 14.7898% | 3,882 |
| Total risk-based capital ratio | 16.1344% | 3,778 |
| Memoranda: | ||
| Average total assets | $969,453,500 | 682 |
| Average earning assets | $900,337,500 | 662 |
| Average equity | $123,597,000 | 575 |
| Average total loans | $858,149,750 | 487 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4134% | 438 |
| Cost of funding earning assets | 0.8475% | 1,150 |
| Net interest margin | 4.5659% | 631 |
| Noninterest income to average assets | 0.8047% | 2,166 |
| Noninterest expense to average assets | 3.1042% | 2,647 |
| Loan and lease loss provision to assets | 0.4072% | 756 |
| Net operating income to assets | 1.0347% | 2,184 |
| Return on assets (ROA) | 1.0778% | 2,116 |
| Pretax return on assets | 1.6093% | 1,345 |
| Return on Equity (ROE) | 8.5150% | 2,841 |
| Retained earnings to average equity (ytd only) | 8.5150% | 1,282 |
| Net charge-offs to loans | 0.3051% | 1,966 |
| Credit loss provision to net charge-offs | 150.6513% | 1,530 |
| Earnings coverage of net charge-offs (x) | 7.1939% | 2,584 |
| Efficiency ratio | 61.1635% | 5,299 |
| Assets per employee ($millions) | 4.6901% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5095% | 976 |
| Loan loss allowance to noncurrent loans | 116.5517% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 2.3342% | 1,845 |
| Noncurrent loans to loans | 2.1531% | 2,231 |
| Net loans and leases to total assets | 85.8840% | 156 |
| Net loans and leases to deposits | 103.4301% | 282 |
| Net loans and leases to core deposits | 154.0791% | 85 |
| Total domestic deposits to total assets | 83.0358% | 4,689 |
| Equity capital to assets | 12.8285% | 1,410 |
| Core capital (leverage) ratio | 12.8083% | 1,245 |
| Tier 1 risk-based capital ratio | 14.5840% | 4,041 |
| Total risk-based capital ratio | 15.9308% | 3,943 |
| Memoranda: | ||
| Average total assets | $965,518,670 | 683 |
| Average earning assets | $897,478,000 | 664 |
| Average equity | $122,208,000 | 585 |
| Average total loans | $855,371,670 | 487 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3448% | 463 |
| Cost of funding earning assets | 0.8723% | 1,131 |
| Net interest margin | 4.4725% | 709 |
| Noninterest income to average assets | 0.6630% | 2,805 |
| Noninterest expense to average assets | 2.8470% | 3,556 |
| Loan and lease loss provision to assets | 0.4777% | 569 |
| Net operating income to assets | 1.0067% | 2,196 |
| Return on assets (ROA) | 0.9962% | 2,357 |
| Pretax return on assets | 1.4893% | 1,588 |
| Return on Equity (ROE) | 7.9248% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.9248% | 1,776 |
| Net charge-offs to loans | 0.2015% | 2,210 |
| Credit loss provision to net charge-offs | 266.8213% | 877 |
| Earnings coverage of net charge-offs (x) | 11.0232% | 1,689 |
| Efficiency ratio | 58.7211% | 5,751 |
| Assets per employee ($millions) | 4.6955% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5207% | 1,086 |
| Loan loss allowance to noncurrent loans | 110.3584% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 2.4434% | 1,888 |
| Noncurrent loans to loans | 2.2841% | 2,287 |
| Net loans and leases to total assets | 86.4624% | 110 |
| Net loans and leases to deposits | 102.6484% | 263 |
| Net loans and leases to core deposits | 159.2543% | 76 |
| Total domestic deposits to total assets | 84.2316% | 4,378 |
| Equity capital to assets | 12.7213% | 1,579 |
| Core capital (leverage) ratio | 12.4224% | 1,373 |
| Tier 1 risk-based capital ratio | 14.2675% | 4,312 |
| Total risk-based capital ratio | 15.6405% | 4,212 |
| Memoranda: | ||
| Average total assets | $962,848,500 | 692 |
| Average earning assets | $895,077,500 | 672 |
| Average equity | $121,038,500 | 603 |
| Average total loans | $855,419,500 | 486 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5951% | 515 |
| Cost of funding earning assets | 1.0578% | 1,084 |
| Net interest margin | 4.5373% | 879 |
| Noninterest income to average assets | 0.8435% | 2,068 |
| Noninterest expense to average assets | 3.2086% | 2,580 |
| Loan and lease loss provision to assets | 0.8315% | 573 |
| Net operating income to assets | 0.7025% | 3,726 |
| Return on assets (ROA) | 0.6788% | 4,105 |
| Pretax return on assets | 0.9684% | 3,658 |
| Return on Equity (ROE) | 5.5816% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.5816% | 2,333 |
| Net charge-offs to loans | 0.6926% | 1,707 |
| Credit loss provision to net charge-offs | 134.7095% | 2,073 |
| Earnings coverage of net charge-offs (x) | 2.9596% | 3,948 |
| Efficiency ratio | 63.3971% | 4,996 |
| Assets per employee ($millions) | 4.6754% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4271% | 1,197 |
| Loan loss allowance to noncurrent loans | 110.8908% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 2.3838% | 2,057 |
| Noncurrent loans to loans | 2.1888% | 2,481 |
| Net loans and leases to total assets | 86.8271% | 109 |
| Net loans and leases to deposits | 102.8032% | 303 |
| Net loans and leases to core deposits | 150.9776% | 101 |
| Total domestic deposits to total assets | 84.4595% | 4,098 |
| Equity capital to assets | 12.4206% | 1,767 |
| Core capital (leverage) ratio | 11.9499% | 1,595 |
| Tier 1 risk-based capital ratio | 13.8428% | 4,500 |
| Total risk-based capital ratio | 15.1810% | 4,397 |
| Memoranda: | ||
| Average total assets | $953,622,800 | 693 |
| Average earning assets | $881,002,000 | 674 |
| Average equity | $115,970,200 | 621 |
| Average total loans | $849,789,000 | 483 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5951% | 561 |
| Cost of funding earning assets | 1.0937% | 1,086 |
| Net interest margin | 4.5014% | 986 |
| Noninterest income to average assets | 0.8341% | 2,101 |
| Noninterest expense to average assets | 3.1771% | 2,644 |
| Loan and lease loss provision to assets | 0.7793% | 622 |
| Net operating income to assets | 0.7165% | 3,844 |
| Return on assets (ROA) | 0.7098% | 4,110 |
| Pretax return on assets | 1.0315% | 3,597 |
| Return on Equity (ROE) | 5.8683% | 4,396 |
| Retained earnings to average equity (ytd only) | 5.8683% | 2,782 |
| Net charge-offs to loans | 0.7127% | 1,549 |
| Credit loss provision to net charge-offs | 122.6561% | 2,358 |
| Earnings coverage of net charge-offs (x) | 2.8506% | 3,899 |
| Efficiency ratio | 63.3623% | 4,911 |
| Assets per employee ($millions) | 4.7593% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3345% | 1,454 |
| Loan loss allowance to noncurrent loans | 63.7456% | 4,492 |
| Noncurrent assets plus other real estate owned to assets | 3.7896% | 1,298 |
| Noncurrent loans to loans | 3.6623% | 1,467 |
| Net loans and leases to total assets | 84.0197% | 226 |
| Net loans and leases to deposits | 99.5332% | 466 |
| Net loans and leases to core deposits | 146.3596% | 121 |
| Total domestic deposits to total assets | 84.4137% | 4,025 |
| Equity capital to assets | 12.0157% | 2,243 |
| Core capital (leverage) ratio | 11.9438% | 1,687 |
| Tier 1 risk-based capital ratio | 13.7487% | 4,723 |
| Total risk-based capital ratio | 15.1011% | 4,604 |
| Memoranda: | ||
| Average total assets | $951,246,500 | 697 |
| Average earning assets | $877,858,250 | 682 |
| Average equity | $115,056,250 | 623 |
| Average total loans | $847,971,750 | 485 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5978% | 579 |
| Cost of funding earning assets | 1.1547% | 1,006 |
| Net interest margin | 4.4430% | 1,095 |
| Noninterest income to average assets | 0.8022% | 2,165 |
| Noninterest expense to average assets | 3.3026% | 2,293 |
| Loan and lease loss provision to assets | 1.0633% | 411 |
| Net operating income to assets | 0.3781% | 5,311 |
| Return on assets (ROA) | 0.4100% | 5,411 |
| Pretax return on assets | 0.5862% | 5,190 |
| Return on Equity (ROE) | 3.3822% | 5,533 |
| Retained earnings to average equity (ytd only) | 3.3822% | 4,354 |
| Net charge-offs to loans | 0.9197% | 1,200 |
| Credit loss provision to net charge-offs | 128.1282% | 2,152 |
| Earnings coverage of net charge-offs (x) | 1.9267% | 4,016 |
| Efficiency ratio | 67.0415% | 4,316 |
| Assets per employee ($millions) | 4.6704% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3490% | 1,505 |
| Loan loss allowance to noncurrent loans | 56.4781% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 4.3798% | 1,136 |
| Noncurrent loans to loans | 4.1591% | 1,318 |
| Net loans and leases to total assets | 86.2157% | 127 |
| Net loans and leases to deposits | 101.6110% | 358 |
| Net loans and leases to core deposits | 150.5891% | 105 |
| Total domestic deposits to total assets | 84.8488% | 3,931 |
| Equity capital to assets | 11.9980% | 2,152 |
| Core capital (leverage) ratio | 12.0174% | 1,592 |
| Tier 1 risk-based capital ratio | 13.3433% | 4,936 |
| Total risk-based capital ratio | 14.6658% | 4,851 |
| Memoranda: | ||
| Average total assets | $939,934,670 | 704 |
| Average earning assets | $867,201,670 | 694 |
| Average equity | $113,949,330 | 628 |
| Average total loans | $848,118,000 | 487 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5501% | 696 |
| Cost of funding earning assets | 1.2050% | 961 |
| Net interest margin | 4.3452% | 1,344 |
| Noninterest income to average assets | 0.5992% | 3,235 |
| Noninterest expense to average assets | 3.0512% | 3,078 |
| Loan and lease loss provision to assets | 1.0030% | 412 |
| Net operating income to assets | 0.3858% | 5,319 |
| Return on assets (ROA) | 0.4553% | 5,203 |
| Pretax return on assets | 0.6534% | 4,931 |
| Return on Equity (ROE) | 3.7361% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.7361% | 4,344 |
| Net charge-offs to loans | 0.5137% | 1,807 |
| Credit loss provision to net charge-offs | 214.0238% | 1,278 |
| Earnings coverage of net charge-offs (x) | 3.3190% | 2,881 |
| Efficiency ratio | 65.8709% | 4,577 |
| Assets per employee ($millions) | 4.5985% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 1,575 |
| Loan loss allowance to noncurrent loans | 88.7012% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 3.3408% | 1,726 |
| Noncurrent loans to loans | 2.6606% | 2,448 |
| Net loans and leases to total assets | 89.0917% | 55 |
| Net loans and leases to deposits | 105.5956% | 214 |
| Net loans and leases to core deposits | 154.5407% | 100 |
| Total domestic deposits to total assets | 84.3707% | 4,337 |
| Equity capital to assets | 12.2916% | 1,859 |
| Core capital (leverage) ratio | 12.0400% | 1,563 |
| Tier 1 risk-based capital ratio | 13.2874% | 4,997 |
| Total risk-based capital ratio | 14.6264% | 4,908 |
| Memoranda: | ||
| Average total assets | $931,187,500 | 712 |
| Average earning assets | $858,788,500 | 696 |
| Average equity | $113,488,000 | 625 |
| Average total loans | $849,522,000 | 484 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9240% | 494 |
| Cost of funding earning assets | 1.4037% | 1,018 |
| Net interest margin | 4.5203% | 1,091 |
| Noninterest income to average assets | 0.7428% | 2,376 |
| Noninterest expense to average assets | 3.2119% | 2,823 |
| Loan and lease loss provision to assets | 0.5981% | 1,729 |
| Net operating income to assets | 0.7676% | 3,188 |
| Return on assets (ROA) | 0.7937% | 3,230 |
| Pretax return on assets | 1.1489% | 2,657 |
| Return on Equity (ROE) | 6.7748% | 3,503 |
| Retained earnings to average equity (ytd only) | 6.7748% | 1,602 |
| Net charge-offs to loans | 0.9498% | 1,827 |
| Credit loss provision to net charge-offs | 70.6141% | 4,822 |
| Earnings coverage of net charge-offs (x) | 2.0099% | 4,275 |
| Efficiency ratio | 65.0195% | 4,948 |
| Assets per employee ($millions) | 4.6442% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2031% | 1,794 |
| Loan loss allowance to noncurrent loans | 130.2437% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 2.6759% | 2,274 |
| Noncurrent loans to loans | 1.6915% | 3,626 |
| Net loans and leases to total assets | 89.2053% | 55 |
| Net loans and leases to deposits | 104.8052% | 285 |
| Net loans and leases to core deposits | 156.6933% | 115 |
| Total domestic deposits to total assets | 85.1153% | 3,777 |
| Equity capital to assets | 12.0838% | 2,059 |
| Core capital (leverage) ratio | 11.9350% | 1,635 |
| Tier 1 risk-based capital ratio | 13.0518% | 5,023 |
| Total risk-based capital ratio | 14.3716% | 4,951 |
| Memoranda: | ||
| Average total assets | $940,104,400 | 691 |
| Average earning assets | $867,573,000 | 677 |
| Average equity | $110,143,400 | 628 |
| Average total loans | $838,426,800 | 495 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8990% | 563 |
| Cost of funding earning assets | 1.4382% | 1,080 |
| Net interest margin | 4.4608% | 1,243 |
| Noninterest income to average assets | 0.6086% | 3,115 |
| Noninterest expense to average assets | 3.1033% | 3,150 |
| Loan and lease loss provision to assets | 0.3637% | 2,685 |
| Net operating income to assets | 0.8654% | 2,881 |
| Return on assets (ROA) | 0.8977% | 2,894 |
| Pretax return on assets | 1.3147% | 2,244 |
| Return on Equity (ROE) | 7.7224% | 3,165 |
| Retained earnings to average equity (ytd only) | 7.7224% | 1,616 |
| Net charge-offs to loans | 1.0267% | 1,561 |
| Credit loss provision to net charge-offs | 39.9471% | 5,247 |
| Earnings coverage of net charge-offs (x) | 1.7826% | 4,320 |
| Efficiency ratio | 65.3097% | 4,844 |
| Assets per employee ($millions) | 4.6027% | 2,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0482% | 2,211 |
| Loan loss allowance to noncurrent loans | 108.2998% | 2,766 |
| Noncurrent assets plus other real estate owned to assets | 2.9428% | 2,190 |
| Noncurrent loans to loans | 1.8912% | 3,514 |
| Net loans and leases to total assets | 88.6606% | 62 |
| Net loans and leases to deposits | 103.3700% | 336 |
| Net loans and leases to core deposits | 156.8155% | 118 |
| Total domestic deposits to total assets | 85.7702% | 3,344 |
| Equity capital to assets | 11.9574% | 2,288 |
| Core capital (leverage) ratio | 11.8714% | 1,779 |
| Tier 1 risk-based capital ratio | 13.0123% | 5,089 |
| Total risk-based capital ratio | 14.2909% | 5,036 |
| Memoranda: | ||
| Average total assets | $941,761,750 | 702 |
| Average earning assets | $869,325,250 | 684 |
| Average equity | $109,479,500 | 637 |
| Average total loans | $835,166,500 | 503 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8339% | 673 |
| Cost of funding earning assets | 1.4651% | 1,142 |
| Net interest margin | 4.3688% | 1,467 |
| Noninterest income to average assets | 0.5868% | 3,214 |
| Noninterest expense to average assets | 3.0103% | 3,603 |
| Loan and lease loss provision to assets | 0.2199% | 3,717 |
| Net operating income to assets | 0.9543% | 2,418 |
| Return on assets (ROA) | 0.9715% | 2,452 |
| Pretax return on assets | 1.4283% | 1,728 |
| Return on Equity (ROE) | 8.4360% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.4360% | 1,288 |
| Net charge-offs to loans | 1.4196% | 1,065 |
| Credit loss provision to net charge-offs | 17.5884% | 5,166 |
| Earnings coverage of net charge-offs (x) | 1.2919% | 4,322 |
| Efficiency ratio | 64.7207% | 5,104 |
| Assets per employee ($millions) | 4.7049% | 2,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 2,489 |
| Loan loss allowance to noncurrent loans | 88.4781% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 3.1245% | 2,147 |
| Noncurrent loans to loans | 2.2114% | 3,213 |
| Net loans and leases to total assets | 86.8409% | 115 |
| Net loans and leases to deposits | 102.6606% | 360 |
| Net loans and leases to core deposits | 157.8884% | 128 |
| Total domestic deposits to total assets | 84.5903% | 4,081 |
| Equity capital to assets | 11.8728% | 2,194 |
| Core capital (leverage) ratio | 11.8116% | 1,713 |
| Tier 1 risk-based capital ratio | 12.8930% | 5,003 |
| Total risk-based capital ratio | 14.3174% | 4,845 |
| Memoranda: | ||
| Average total assets | $945,765,000 | 709 |
| Average earning assets | $874,337,330 | 689 |
| Average equity | $108,914,670 | 641 |
| Average total loans | $833,035,000 | 514 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7465% | 808 |
| Cost of funding earning assets | 1.6908% | 576 |
| Net interest margin | 4.0557% | 2,450 |
| Noninterest income to average assets | 0.6502% | 2,848 |
| Noninterest expense to average assets | 2.9130% | 4,009 |
| Loan and lease loss provision to assets | 0.2765% | 2,945 |
| Net operating income to assets | 0.8227% | 2,916 |
| Return on assets (ROA) | 0.8909% | 2,671 |
| Pretax return on assets | 1.3180% | 1,986 |
| Return on Equity (ROE) | 7.8560% | 2,979 |
| Retained earnings to average equity (ytd only) | 7.8560% | 1,791 |
| Net charge-offs to loans | 0.4930% | 2,243 |
| Credit loss provision to net charge-offs | 63.8484% | 3,470 |
| Earnings coverage of net charge-offs (x) | 3.4461% | 2,740 |
| Efficiency ratio | 65.7528% | 5,074 |
| Assets per employee ($millions) | 4.6703% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5042% | 1,451 |
| Loan loss allowance to noncurrent loans | 67.7973% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 4.6138% | 1,397 |
| Noncurrent loans to loans | 3.6936% | 1,999 |
| Net loans and leases to total assets | 87.2675% | 95 |
| Net loans and leases to deposits | 101.4940% | 402 |
| Net loans and leases to core deposits | 163.5242% | 121 |
| Total domestic deposits to total assets | 85.9828% | 3,536 |
| Equity capital to assets | 11.7838% | 2,054 |
| Core capital (leverage) ratio | 11.2693% | 1,988 |
| Tier 1 risk-based capital ratio | 12.7540% | 5,012 |
| Total risk-based capital ratio | 14.2155% | 4,838 |
| Memoranda: | ||
| Average total assets | $950,505,000 | 710 |
| Average earning assets | $880,046,500 | 691 |
| Average equity | $107,790,500 | 644 |
| Average total loans | $834,900,500 | 524 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0832% | 718 |
| Cost of funding earning assets | 1.6967% | 1,619 |
| Net interest margin | 4.3864% | 1,526 |
| Noninterest income to average assets | 1.0129% | 1,463 |
| Noninterest expense to average assets | 2.8153% | 4,538 |
| Loan and lease loss provision to assets | 1.2183% | 1,282 |
| Net operating income to assets | 0.7242% | 3,129 |
| Return on assets (ROA) | 0.7495% | 3,123 |
| Pretax return on assets | 1.0751% | 2,681 |
| Return on Equity (ROE) | 7.0623% | 3,083 |
| Retained earnings to average equity (ytd only) | 7.0623% | 1,293 |
| Net charge-offs to loans | 0.9821% | 2,219 |
| Credit loss provision to net charge-offs | 139.4059% | 2,729 |
| Earnings coverage of net charge-offs (x) | 2.5754% | 3,821 |
| Efficiency ratio | 55.2512% | 6,683 |
| Assets per employee ($millions) | 5.0585% | 2,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5055% | 1,403 |
| Loan loss allowance to noncurrent loans | 68.2661% | 3,991 |
| Noncurrent assets plus other real estate owned to assets | 4.3176% | 1,546 |
| Noncurrent loans to loans | 3.6702% | 2,032 |
| Net loans and leases to total assets | 84.0934% | 300 |
| Net loans and leases to deposits | 96.4790% | 826 |
| Net loans and leases to core deposits | 162.3610% | 134 |
| Total domestic deposits to total assets | 87.1624% | 2,734 |
| Equity capital to assets | 10.9203% | 2,757 |
| Core capital (leverage) ratio | 10.6114% | 2,452 |
| Tier 1 risk-based capital ratio | 12.2961% | 5,212 |
| Total risk-based capital ratio | 13.7245% | 5,029 |
| Memoranda: | ||
| Average total assets | $959,111,200 | 698 |
| Average earning assets | $886,234,000 | 681 |
| Average equity | $101,793,600 | 663 |
| Average total loans | $853,479,800 | 524 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0800% | 791 |
| Cost of funding earning assets | 1.7228% | 1,754 |
| Net interest margin | 4.3571% | 1,653 |
| Noninterest income to average assets | 1.0287% | 1,379 |
| Noninterest expense to average assets | 2.9260% | 3,997 |
| Loan and lease loss provision to assets | 1.2165% | 1,172 |
| Net operating income to assets | 0.6022% | 3,871 |
| Return on assets (ROA) | 0.5989% | 4,036 |
| Pretax return on assets | 0.9109% | 3,523 |
| Return on Equity (ROE) | 5.6851% | 3,968 |
| Retained earnings to average equity (ytd only) | 5.6851% | 2,555 |
| Net charge-offs to loans | 0.7972% | 2,453 |
| Credit loss provision to net charge-offs | 170.1563% | 2,185 |
| Earnings coverage of net charge-offs (x) | 2.9680% | 3,644 |
| Efficiency ratio | 57.6404% | 6,320 |
| Assets per employee ($millions) | 4.9930% | 2,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5212% | 1,291 |
| Loan loss allowance to noncurrent loans | 68.1363% | 3,914 |
| Noncurrent assets plus other real estate owned to assets | 4.3709% | 1,554 |
| Noncurrent loans to loans | 3.7003% | 2,103 |
| Net loans and leases to total assets | 85.8129% | 218 |
| Net loans and leases to deposits | 98.8847% | 733 |
| Net loans and leases to core deposits | 168.1557% | 127 |
| Total domestic deposits to total assets | 86.7808% | 2,651 |
| Equity capital to assets | 10.7139% | 3,276 |
| Core capital (leverage) ratio | 10.4555% | 2,736 |
| Tier 1 risk-based capital ratio | 11.7697% | 5,671 |
| Total risk-based capital ratio | 13.1451% | 5,532 |
| Memoranda: | ||
| Average total assets | $954,815,750 | 701 |
| Average earning assets | $880,768,250 | 685 |
| Average equity | $100,588,500 | 661 |
| Average total loans | $856,325,500 | 521 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0052% | 939 |
| Cost of funding earning assets | 1.7023% | 2,111 |
| Net interest margin | 4.3029% | 1,766 |
| Noninterest income to average assets | 0.7598% | 2,329 |
| Noninterest expense to average assets | 2.7369% | 4,750 |
| Loan and lease loss provision to assets | 1.3788% | 977 |
| Net operating income to assets | 0.4065% | 4,726 |
| Return on assets (ROA) | 0.4112% | 4,863 |
| Pretax return on assets | 0.6261% | 4,483 |
| Return on Equity (ROE) | 3.9256% | 4,813 |
| Retained earnings to average equity (ytd only) | 3.9256% | 3,589 |
| Net charge-offs to loans | 0.8517% | 2,126 |
| Credit loss provision to net charge-offs | 179.3876% | 2,184 |
| Earnings coverage of net charge-offs (x) | 2.5888% | 3,700 |
| Efficiency ratio | 57.5569% | 6,445 |
| Assets per employee ($millions) | 5.0137% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4315% | 1,396 |
| Loan loss allowance to noncurrent loans | 64.0252% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 5.0492% | 1,269 |
| Noncurrent loans to loans | 3.7977% | 2,030 |
| Net loans and leases to total assets | 87.1951% | 161 |
| Net loans and leases to deposits | 100.1077% | 716 |
| Net loans and leases to core deposits | 169.8193% | 138 |
| Total domestic deposits to total assets | 87.1012% | 2,481 |
| Equity capital to assets | 10.4938% | 3,421 |
| Core capital (leverage) ratio | 10.2742% | 2,864 |
| Tier 1 risk-based capital ratio | 11.3326% | 5,917 |
| Total risk-based capital ratio | 12.6387% | 5,856 |
| Memoranda: | ||
| Average total assets | $951,873,000 | 700 |
| Average earning assets | $877,537,670 | 685 |
| Average equity | $99,703,330 | 661 |
| Average total loans | $858,994,330 | 517 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0163% | 944 |
| Cost of funding earning assets | 1.7162% | 2,309 |
| Net interest margin | 4.3002% | 1,693 |
| Noninterest income to average assets | 0.5007% | 4,045 |
| Noninterest expense to average assets | 2.5072% | 5,700 |
| Loan and lease loss provision to assets | 1.1876% | 1,026 |
| Net operating income to assets | 0.5188% | 4,299 |
| Return on assets (ROA) | 0.5183% | 4,442 |
| Pretax return on assets | 0.7853% | 3,932 |
| Return on Equity (ROE) | 4.9531% | 4,393 |
| Retained earnings to average equity (ytd only) | 4.9531% | 3,185 |
| Net charge-offs to loans | 0.7492% | 2,010 |
| Credit loss provision to net charge-offs | 174.8144% | 2,083 |
| Earnings coverage of net charge-offs (x) | 2.8998% | 3,104 |
| Efficiency ratio | 55.6338% | 6,819 |
| Assets per employee ($millions) | 5.0152% | 2,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2065% | 1,740 |
| Loan loss allowance to noncurrent loans | 81.7103% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 3.4691% | 2,033 |
| Noncurrent loans to loans | 2.7004% | 2,970 |
| Net loans and leases to total assets | 88.8625% | 99 |
| Net loans and leases to deposits | 110.2681% | 284 |
| Net loans and leases to core deposits | 177.6076% | 136 |
| Total domestic deposits to total assets | 80.5877% | 5,593 |
| Equity capital to assets | 10.6045% | 3,141 |
| Core capital (leverage) ratio | 10.2504% | 2,871 |
| Tier 1 risk-based capital ratio | 11.2251% | 5,931 |
| Total risk-based capital ratio | 12.6358% | 5,749 |
| Memoranda: | ||
| Average total assets | $951,508,500 | 712 |
| Average earning assets | $879,875,000 | 698 |
| Average equity | $99,573,000 | 665 |
| Average total loans | $862,830,500 | 535 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3885% | 851 |
| Cost of funding earning assets | 1.8535% | 3,718 |
| Net interest margin | 4.5350% | 1,109 |
| Noninterest income to average assets | 1.0626% | 1,364 |
| Noninterest expense to average assets | 2.8526% | 4,736 |
| Loan and lease loss provision to assets | 1.3094% | 1,761 |
| Net operating income to assets | 0.7379% | 2,780 |
| Return on assets (ROA) | 0.2234% | 4,890 |
| Pretax return on assets | 0.3386% | 4,666 |
| Return on Equity (ROE) | 2.2699% | 4,804 |
| Retained earnings to average equity (ytd only) | 2.2699% | 3,527 |
| Net charge-offs to loans | 0.6205% | 3,351 |
| Credit loss provision to net charge-offs | 234.8081% | 1,546 |
| Earnings coverage of net charge-offs (x) | 4.3207% | 2,988 |
| Efficiency ratio | 53.8983% | 7,241 |
| Assets per employee ($millions) | 4.8732% | 2,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 1,892 |
| Loan loss allowance to noncurrent loans | 84.1339% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 3.0713% | 2,265 |
| Noncurrent loans to loans | 2.4471% | 3,102 |
| Net loans and leases to total assets | 88.6313% | 143 |
| Net loans and leases to deposits | 117.6831% | 206 |
| Net loans and leases to core deposits | 156.9526% | 378 |
| Total domestic deposits to total assets | 75.3135% | 6,805 |
| Equity capital to assets | 10.3261% | 3,371 |
| Core capital (leverage) ratio | 10.1571% | 2,943 |
| Tier 1 risk-based capital ratio | 11.1006% | 5,832 |
| Total risk-based capital ratio | 12.4780% | 5,638 |
| Memoranda: | ||
| Average total assets | $948,419,400 | 707 |
| Average earning assets | $878,267,400 | 690 |
| Average equity | $93,353,800 | 697 |
| Average total loans | $852,434,400 | 550 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4787% | 788 |
| Cost of funding earning assets | 1.8695% | 4,049 |
| Net interest margin | 4.6092% | 979 |
| Noninterest income to average assets | 1.0481% | 1,448 |
| Noninterest expense to average assets | 2.8475% | 4,686 |
| Loan and lease loss provision to assets | 1.1616% | 1,670 |
| Net operating income to assets | 0.8805% | 2,496 |
| Return on assets (ROA) | 0.2928% | 4,927 |
| Pretax return on assets | 0.4436% | 4,681 |
| Return on Equity (ROE) | 3.0118% | 4,790 |
| Retained earnings to average equity (ytd only) | 3.0118% | 3,646 |
| Net charge-offs to loans | 0.6806% | 2,653 |
| Credit loss provision to net charge-offs | 190.2214% | 2,388 |
| Earnings coverage of net charge-offs (x) | 4.0505% | 3,283 |
| Efficiency ratio | 53.2052% | 7,318 |
| Assets per employee ($millions) | 4.6905% | 2,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 2,517 |
| Loan loss allowance to noncurrent loans | 105.1349% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 2.3860% | 2,888 |
| Noncurrent loans to loans | 1.6469% | 4,174 |
| Net loans and leases to total assets | 88.1983% | 196 |
| Net loans and leases to deposits | 121.7908% | 174 |
| Net loans and leases to core deposits | 155.2831% | 471 |
| Total domestic deposits to total assets | 72.4178% | 7,159 |
| Equity capital to assets | 10.4028% | 3,612 |
| Core capital (leverage) ratio | 10.1825% | 3,082 |
| Tier 1 risk-based capital ratio | 11.2184% | 5,728 |
| Total risk-based capital ratio | 12.5008% | 5,637 |
| Memoranda: | ||
| Average total assets | $946,736,500 | 720 |
| Average earning assets | $877,644,000 | 704 |
| Average equity | $92,034,750 | 707 |
| Average total loans | $849,453,250 | 563 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4329% | 934 |
| Cost of funding earning assets | 1.8935% | 4,297 |
| Net interest margin | 4.5394% | 1,080 |
| Noninterest income to average assets | 0.9895% | 1,633 |
| Noninterest expense to average assets | 2.7961% | 4,976 |
| Loan and lease loss provision to assets | 1.1287% | 1,521 |
| Net operating income to assets | 0.8507% | 2,650 |
| Return on assets (ROA) | 0.3519% | 4,788 |
| Pretax return on assets | 0.5335% | 4,516 |
| Return on Equity (ROE) | 3.7058% | 4,616 |
| Retained earnings to average equity (ytd only) | 3.7058% | 3,233 |
| Net charge-offs to loans | 0.4266% | 3,094 |
| Credit loss provision to net charge-offs | 294.9367% | 1,584 |
| Earnings coverage of net charge-offs (x) | 6.2724% | 2,652 |
| Efficiency ratio | 53.4917% | 7,381 |
| Assets per employee ($millions) | 4.7362% | 2,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6745% | 2,429 |
| Loan loss allowance to noncurrent loans | 81.6739% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 2.8303% | 2,266 |
| Noncurrent loans to loans | 2.0503% | 3,446 |
| Net loans and leases to total assets | 88.0731% | 231 |
| Net loans and leases to deposits | 117.7051% | 284 |
| Net loans and leases to core deposits | 165.6257% | 374 |
| Total domestic deposits to total assets | 74.8253% | 6,793 |
| Equity capital to assets | 9.7576% | 4,275 |
| Core capital (leverage) ratio | 9.4936% | 3,897 |
| Tier 1 risk-based capital ratio | 10.5991% | 6,295 |
| Total risk-based capital ratio | 11.8554% | 6,225 |
| Memoranda: | ||
| Average total assets | $949,615,670 | 736 |
| Average earning assets | $880,073,000 | 717 |
| Average equity | $90,183,330 | 727 |
| Average total loans | $851,949,330 | 578 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3302% | 1,220 |
| Cost of funding earning assets | 1.9592% | 4,330 |
| Net interest margin | 4.3710% | 1,419 |
| Noninterest income to average assets | 0.8515% | 2,074 |
| Noninterest expense to average assets | 2.5974% | 5,458 |
| Loan and lease loss provision to assets | 1.0236% | 1,283 |
| Net operating income to assets | 0.8518% | 2,903 |
| Return on assets (ROA) | 0.7812% | 3,372 |
| Pretax return on assets | 1.1838% | 2,676 |
| Return on Equity (ROE) | 8.3404% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.3404% | 1,687 |
| Net charge-offs to loans | 0.2165% | 3,344 |
| Credit loss provision to net charge-offs | 526.6234% | 1,047 |
| Earnings coverage of net charge-offs (x) | 11.8939% | 1,838 |
| Efficiency ratio | 52.9094% | 7,330 |
| Assets per employee ($millions) | 4.7699% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4701% | 3,139 |
| Loan loss allowance to noncurrent loans | 70.5859% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 2.6437% | 2,171 |
| Noncurrent loans to loans | 2.0827% | 3,143 |
| Net loans and leases to total assets | 88.7816% | 211 |
| Net loans and leases to deposits | 121.1071% | 266 |
| Net loans and leases to core deposits | 164.6796% | 424 |
| Total domestic deposits to total assets | 73.3084% | 7,001 |
| Equity capital to assets | 9.3221% | 4,907 |
| Core capital (leverage) ratio | 9.2690% | 4,290 |
| Tier 1 risk-based capital ratio | 10.1833% | 6,733 |
| Total risk-based capital ratio | 11.4372% | 6,642 |
| Memoranda: | ||
| Average total assets | $950,800,000 | 734 |
| Average earning assets | $882,627,500 | 715 |
| Average equity | $89,060,500 | 743 |
| Average total loans | $853,685,000 | 581 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0738% | 961 |
| Cost of funding earning assets | 2.9867% | 1,917 |
| Net interest margin | 4.0871% | 2,771 |
| Noninterest income to average assets | 1.0822% | 1,343 |
| Noninterest expense to average assets | 3.0585% | 3,863 |
| Loan and lease loss provision to assets | 0.5575% | 2,586 |
| Net operating income to assets | 0.9360% | 2,852 |
| Return on assets (ROA) | 0.3300% | 5,265 |
| Pretax return on assets | 0.4533% | 5,115 |
| Return on Equity (ROE) | 3.2174% | 5,147 |
| Retained earnings to average equity (ytd only) | 3.2174% | 3,147 |
| Net charge-offs to loans | 0.6844% | 1,794 |
| Credit loss provision to net charge-offs | 91.4390% | 5,645 |
| Earnings coverage of net charge-offs (x) | 3.0194% | 4,579 |
| Efficiency ratio | 62.4276% | 5,870 |
| Assets per employee ($millions) | 4.4699% | 2,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 4,063 |
| Loan loss allowance to noncurrent loans | 92.1150% | 3,688 |
| Noncurrent assets plus other real estate owned to assets | 1.8807% | 2,615 |
| Noncurrent loans to loans | 1.3658% | 3,790 |
| Net loans and leases to total assets | 88.3379% | 338 |
| Net loans and leases to deposits | 118.3634% | 434 |
| Net loans and leases to core deposits | 141.2848% | 1,198 |
| Total domestic deposits to total assets | 74.6328% | 6,533 |
| Equity capital to assets | 9.4120% | 4,807 |
| Core capital (leverage) ratio | 9.3850% | 4,180 |
| Tier 1 risk-based capital ratio | 10.3059% | 6,409 |
| Total risk-based capital ratio | 11.5571% | 6,285 |
| Memoranda: | ||
| Average total assets | $894,776,600 | 749 |
| Average earning assets | $835,670,200 | 722 |
| Average equity | $91,782,400 | 728 |
| Average total loans | $797,078,800 | 595 |