Home > Mascoma Bank > Performance and Condition Ratios
Mascoma Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 3,933 |
| Cost of funding earning assets | 1.2877% | 2,556 |
| Net interest margin | 2.7328% | 3,773 |
| Noninterest income to average assets | 0.5100% | 1,936 |
| Noninterest expense to average assets | 2.6415% | 1,890 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.3945% | 3,884 |
| Return on assets (ROA) | 0.3945% | 3,873 |
| Pretax return on assets | 0.4228% | 3,931 |
| Return on Equity (ROE) | 5.2800% | 3,675 |
| Retained earnings to average equity (ytd only) | 4.8019% | 2,672 |
| Net charge-offs to loans | 0.0141% | 2,128 |
| Credit loss provision to net charge-offs | 343.4375% | 866 |
| Earnings coverage of net charge-offs (x) | 41.4719% | 1,424 |
| Efficiency ratio | 84.7819% | 624 |
| Assets per employee ($millions) | 7.1676% | 1,962 |
| Cash dividends to net income (ytd only)* | 8.9936% | 3,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7101% | 4,106 |
| Loan loss allowance to noncurrent loans | 2,374.7887% | 468 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 3,502 |
| Noncurrent loans to loans | 0.0299% | 3,525 |
| Net loans and leases to total assets | 80.4300% | 591 |
| Net loans and leases to deposits | 94.5567% | 902 |
| Net loans and leases to core deposits | 100.4175% | 1,408 |
| Total domestic deposits to total assets | 85.0600% | 2,292 |
| Equity capital to assets | 7.5149% | 3,711 |
| Core capital (leverage) ratio | 8.5752% | 4,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6830% | 2,344 |
| Memoranda: | ||
| Average total assets | $2,818,384,200 | 421 |
| Average earning assets | $2,683,406,600 | 398 |
| Average equity | $210,728,200 | 517 |
| Average total loans | $2,270,065,600 | 368 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9574% | 3,911 |
| Cost of funding earning assets | 1.1712% | 2,525 |
| Net interest margin | 2.7862% | 3,745 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.6483% | 1,805 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.4556% | 3,853 |
| Return on assets (ROA) | 0.4556% | 3,854 |
| Pretax return on assets | 0.5086% | 3,892 |
| Return on Equity (ROE) | 6.1000% | 3,623 |
| Retained earnings to average equity (ytd only) | 5.7816% | 2,694 |
| Net charge-offs to loans | 0.0077% | 2,130 |
| Credit loss provision to net charge-offs | 228.6822% | 1,037 |
| Earnings coverage of net charge-offs (x) | 84.4031% | 1,017 |
| Efficiency ratio | 83.4801% | 643 |
| Assets per employee ($millions) | 6.9197% | 2,018 |
| Cash dividends to net income (ytd only)* | 5.2444% | 2,901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 4,151 |
| Loan loss allowance to noncurrent loans | 1,507.2356% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 3,422 |
| Noncurrent loans to loans | 0.0460% | 3,425 |
| Net loans and leases to total assets | 81.3500% | 493 |
| Net loans and leases to deposits | 95.8151% | 766 |
| Net loans and leases to core deposits | 102.0434% | 1,211 |
| Total domestic deposits to total assets | 84.9000% | 2,528 |
| Equity capital to assets | 7.3102% | 3,461 |
| Core capital (leverage) ratio | 8.5986% | 4,093 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7184% | 2,378 |
| Memoranda: | ||
| Average total assets | $2,790,095,500 | 424 |
| Average earning assets | $2,655,581,000 | 401 |
| Average equity | $208,335,000 | 517 |
| Average total loans | $2,243,929,250 | 369 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 3,944 |
| Cost of funding earning assets | 1.0155% | 2,549 |
| Net interest margin | 2.8368% | 3,767 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.6737% | 1,705 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.4585% | 3,894 |
| Return on assets (ROA) | 0.4585% | 3,898 |
| Pretax return on assets | 0.5135% | 3,942 |
| Return on Equity (ROE) | 6.1000% | 3,670 |
| Retained earnings to average equity (ytd only) | 5.6163% | 2,750 |
| Net charge-offs to loans | 0.0084% | 1,893 |
| Credit loss provision to net charge-offs | 323.6559% | 823 |
| Earnings coverage of net charge-offs (x) | 79.6022% | 1,054 |
| Efficiency ratio | 83.2211% | 641 |
| Assets per employee ($millions) | 7.2526% | 1,745 |
| Cash dividends to net income (ytd only)* | 7.8802% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7203% | 4,151 |
| Loan loss allowance to noncurrent loans | 1,414.0625% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 3,369 |
| Noncurrent loans to loans | 0.0509% | 3,347 |
| Net loans and leases to total assets | 79.1800% | 717 |
| Net loans and leases to deposits | 93.4220% | 914 |
| Net loans and leases to core deposits | 99.5602% | 1,261 |
| Total domestic deposits to total assets | 84.7500% | 2,609 |
| Equity capital to assets | 7.4569% | 3,547 |
| Core capital (leverage) ratio | 8.8105% | 3,917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0580% | 2,275 |
| Memoranda: | ||
| Average total assets | $2,767,518,000 | 414 |
| Average earning assets | $2,632,218,333 | 392 |
| Average equity | $208,142,333 | 508 |
| Average total loans | $2,211,547,667 | 360 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8029% | 3,850 |
| Cost of funding earning assets | 0.8217% | 2,646 |
| Net interest margin | 2.9812% | 3,641 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.7277% | 1,599 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.4434% | 4,013 |
| Return on assets (ROA) | 0.4434% | 3,966 |
| Pretax return on assets | 0.4989% | 3,992 |
| Return on Equity (ROE) | 5.8700% | 3,745 |
| Retained earnings to average equity (ytd only) | 5.8697% | 2,801 |
| Net charge-offs to loans | 0.0016% | 1,985 |
| Credit loss provision to net charge-offs | 3,200.0000% | 139 |
| Earnings coverage of net charge-offs (x) | 414.2222% | 270 |
| Efficiency ratio | 83.2305% | 633 |
| Assets per employee ($millions) | 7.2119% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7425% | 4,188 |
| Loan loss allowance to noncurrent loans | 1,599.4135% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 3,413 |
| Noncurrent loans to loans | 0.0464% | 3,404 |
| Net loans and leases to total assets | 80.0200% | 541 |
| Net loans and leases to deposits | 92.3220% | 898 |
| Net loans and leases to core deposits | 96.9133% | 1,237 |
| Total domestic deposits to total assets | 86.6800% | 2,378 |
| Equity capital to assets | 7.6850% | 3,455 |
| Core capital (leverage) ratio | 8.8117% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3104% | 2,264 |
| Memoranda: | ||
| Average total assets | $2,733,402,500 | 430 |
| Average earning assets | $2,602,311,000 | 408 |
| Average equity | $206,484,000 | 523 |
| Average total loans | $2,186,566,000 | 375 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4434% | 3,225 |
| Cost of funding earning assets | 0.2674% | 3,181 |
| Net interest margin | 3.1760% | 2,941 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.7272% | 1,496 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 0.7104% | 3,589 |
| Return on assets (ROA) | 0.7104% | 3,533 |
| Pretax return on assets | 0.8317% | 3,544 |
| Return on Equity (ROE) | 9.1100% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.7008% | 1,569 |
| Net charge-offs to loans | -0.0017% | 3,418 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 76.2778% | 982 |
| Assets per employee ($millions) | 7.1000% | 1,894 |
| Cash dividends to net income (ytd only)* | 4.4569% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 3,882 |
| Loan loss allowance to noncurrent loans | 1,139.0036% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 3,202 |
| Noncurrent loans to loans | 0.0759% | 3,217 |
| Net loans and leases to total assets | 78.6800% | 734 |
| Net loans and leases to deposits | 90.7811% | 994 |
| Net loans and leases to core deposits | 93.7805% | 1,306 |
| Total domestic deposits to total assets | 86.6700% | 2,508 |
| Equity capital to assets | 7.4232% | 3,420 |
| Core capital (leverage) ratio | 8.6905% | 3,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2949% | 2,240 |
| Memoranda: | ||
| Average total assets | $2,653,166,000 | 432 |
| Average earning assets | $2,527,344,600 | 412 |
| Average equity | $206,958,400 | 510 |
| Average total loans | $2,024,614,000 | 374 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 3,037 |
| Cost of funding earning assets | 0.1978% | 3,306 |
| Net interest margin | 3.1559% | 2,756 |
| Noninterest income to average assets | 0.5400% | 1,952 |
| Noninterest expense to average assets | 2.7205% | 1,422 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.6766% | 3,630 |
| Return on assets (ROA) | 0.6766% | 3,590 |
| Pretax return on assets | 0.7749% | 3,641 |
| Return on Equity (ROE) | 8.5700% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.2779% | 1,895 |
| Net charge-offs to loans | -0.0026% | 3,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.6104% | 1,028 |
| Assets per employee ($millions) | 7.1047% | 1,875 |
| Cash dividends to net income (ytd only)* | 3.3678% | 3,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 3,799 |
| Loan loss allowance to noncurrent loans | 903.2977% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 3,106 |
| Noncurrent loans to loans | 0.1018% | 3,149 |
| Net loans and leases to total assets | 78.0300% | 701 |
| Net loans and leases to deposits | 89.0657% | 958 |
| Net loans and leases to core deposits | 91.1914% | 1,220 |
| Total domestic deposits to total assets | 87.6100% | 2,555 |
| Equity capital to assets | 7.2929% | 3,343 |
| Core capital (leverage) ratio | 8.7246% | 3,849 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4487% | 2,288 |
| Memoranda: | ||
| Average total assets | $2,633,081,500 | 435 |
| Average earning assets | $2,510,046,750 | 415 |
| Average equity | $207,969,750 | 512 |
| Average total loans | $1,988,395,250 | 376 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2765% | 2,811 |
| Cost of funding earning assets | 0.1726% | 3,282 |
| Net interest margin | 3.1039% | 2,522 |
| Noninterest income to average assets | 0.5303% | 2,042 |
| Noninterest expense to average assets | 2.6352% | 1,539 |
| Loan and lease loss provision to assets | 0.0108% | 2,392 |
| Net operating income to assets | 0.7348% | 3,197 |
| Return on assets (ROA) | 0.7348% | 3,154 |
| Pretax return on assets | 0.8463% | 3,219 |
| Return on Equity (ROE) | 9.0657% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.6412% | 1,387 |
| Net charge-offs to loans | -0.0044% | 3,299 |
| Credit loss provision to net charge-offs | -327.9070% | 3,297 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3043% | 1,358 |
| Assets per employee ($millions) | 6.7743% | 2,095 |
| Cash dividends to net income (ytd only)* | 4.6826% | 2,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 3,885 |
| Loan loss allowance to noncurrent loans | 814.3857% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.0879% | 3,105 |
| Noncurrent loans to loans | 0.1133% | 3,176 |
| Net loans and leases to total assets | 76.8931% | 645 |
| Net loans and leases to deposits | 87.9871% | 831 |
| Net loans and leases to core deposits | 89.8562% | 1,129 |
| Total domestic deposits to total assets | 87.3913% | 2,801 |
| Equity capital to assets | 7.5530% | 3,435 |
| Core capital (leverage) ratio | 8.7851% | 3,674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7038% | 2,205 |
| Memoranda: | ||
| Average total assets | $2,615,586,667 | 436 |
| Average earning assets | $2,495,990,333 | 421 |
| Average equity | $212,008,000 | 507 |
| Average total loans | $1,946,196,667 | 375 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1708% | 2,774 |
| Cost of funding earning assets | 0.1678% | 3,247 |
| Net interest margin | 3.0030% | 2,493 |
| Noninterest income to average assets | 0.4862% | 2,209 |
| Noninterest expense to average assets | 2.5198% | 1,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7312% | 2,929 |
| Return on assets (ROA) | 0.7312% | 2,920 |
| Pretax return on assets | 0.8400% | 2,975 |
| Return on Equity (ROE) | 8.7253% | 2,422 |
| Retained earnings to average equity (ytd only) | 8.7253% | 1,356 |
| Net charge-offs to loans | -0.0054% | 3,362 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8389% | 1,650 |
| Assets per employee ($millions) | 6.8978% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 3,887 |
| Loan loss allowance to noncurrent loans | 1,159.9874% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 3,448 |
| Noncurrent loans to loans | 0.0825% | 3,427 |
| Net loans and leases to total assets | 73.5259% | 695 |
| Net loans and leases to deposits | 83.1225% | 941 |
| Net loans and leases to core deposits | 84.5547% | 1,218 |
| Total domestic deposits to total assets | 88.4548% | 2,315 |
| Equity capital to assets | 8.1868% | 3,417 |
| Core capital (leverage) ratio | 8.6058% | 3,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3275% | 2,067 |
| Memoranda: | ||
| Average total assets | $2,622,717,500 | 439 |
| Average earning assets | $2,509,780,500 | 421 |
| Average equity | $219,773,500 | 507 |
| Average total loans | $1,909,863,000 | 379 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4243% | 2,870 |
| Cost of funding earning assets | 0.1893% | 3,563 |
| Net interest margin | 3.2350% | 2,502 |
| Noninterest income to average assets | 0.6462% | 1,958 |
| Noninterest expense to average assets | 2.7950% | 1,374 |
| Loan and lease loss provision to assets | 0.0181% | 2,708 |
| Net operating income to assets | 0.8498% | 3,189 |
| Return on assets (ROA) | 0.8505% | 3,254 |
| Pretax return on assets | 0.9268% | 3,433 |
| Return on Equity (ROE) | 9.7239% | 2,633 |
| Retained earnings to average equity (ytd only) | 9.3979% | 1,069 |
| Net charge-offs to loans | 0.0041% | 2,457 |
| Credit loss provision to net charge-offs | 590.9091% | 733 |
| Earnings coverage of net charge-offs (x) | 307.5455% | 399 |
| Efficiency ratio | 74.5652% | 1,247 |
| Assets per employee ($millions) | 7.2464% | 1,764 |
| Cash dividends to net income (ytd only)* | 3.3518% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9761% | 3,845 |
| Loan loss allowance to noncurrent loans | 1,417.4481% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.0538% | 3,608 |
| Noncurrent loans to loans | 0.0689% | 3,597 |
| Net loans and leases to total assets | 70.7306% | 955 |
| Net loans and leases to deposits | 79.9726% | 1,217 |
| Net loans and leases to core deposits | 81.4618% | 1,491 |
| Total domestic deposits to total assets | 88.4436% | 1,819 |
| Equity capital to assets | 8.5692% | 4,006 |
| Core capital (leverage) ratio | 8.5695% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5595% | 2,032 |
| Memoranda: | ||
| Average total assets | $2,508,083,400 | 436 |
| Average earning assets | $2,397,945,200 | 421 |
| Average equity | $219,378,000 | 497 |
| Average total loans | $1,890,295,000 | 378 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4805% | 2,896 |
| Cost of funding earning assets | 0.1953% | 3,653 |
| Net interest margin | 3.2851% | 2,461 |
| Noninterest income to average assets | 0.6131% | 2,157 |
| Noninterest expense to average assets | 2.7088% | 1,567 |
| Loan and lease loss provision to assets | 0.0245% | 2,505 |
| Net operating income to assets | 0.8742% | 3,317 |
| Return on assets (ROA) | 0.8751% | 3,391 |
| Pretax return on assets | 1.0181% | 3,399 |
| Return on Equity (ROE) | 9.9507% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.9293% | 1,341 |
| Net charge-offs to loans | 0.0044% | 2,176 |
| Credit loss provision to net charge-offs | 722.2222% | 630 |
| Earnings coverage of net charge-offs (x) | 306.7619% | 428 |
| Efficiency ratio | 72.0317% | 1,399 |
| Assets per employee ($millions) | 7.1335% | 1,784 |
| Cash dividends to net income (ytd only)* | 0.2156% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9690% | 3,941 |
| Loan loss allowance to noncurrent loans | 1,611.8777% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,817 |
| Noncurrent loans to loans | 0.0601% | 3,798 |
| Net loans and leases to total assets | 74.0676% | 687 |
| Net loans and leases to deposits | 84.2697% | 945 |
| Net loans and leases to core deposits | 85.8202% | 1,305 |
| Total domestic deposits to total assets | 87.8935% | 1,907 |
| Equity capital to assets | 8.8491% | 3,959 |
| Core capital (leverage) ratio | 8.5672% | 3,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4224% | 2,195 |
| Memoranda: | ||
| Average total assets | $2,473,866,000 | 444 |
| Average earning assets | $2,362,499,000 | 427 |
| Average equity | $217,560,000 | 504 |
| Average total loans | $1,890,560,750 | 382 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 2,954 |
| Cost of funding earning assets | 0.2009% | 3,739 |
| Net interest margin | 3.2754% | 2,532 |
| Noninterest income to average assets | 0.5807% | 2,293 |
| Noninterest expense to average assets | 2.6490% | 1,728 |
| Loan and lease loss provision to assets | 0.0372% | 2,244 |
| Net operating income to assets | 0.8778% | 3,280 |
| Return on assets (ROA) | 0.8790% | 3,360 |
| Pretax return on assets | 1.0230% | 3,392 |
| Return on Equity (ROE) | 10.0167% | 2,734 |
| Retained earnings to average equity (ytd only) | 10.0167% | 1,388 |
| Net charge-offs to loans | 0.0004% | 2,237 |
| Credit loss provision to net charge-offs | 11,400.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 3,242.2500% | 24 |
| Efficiency ratio | 71.2379% | 1,501 |
| Assets per employee ($millions) | 6.9277% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 3,916 |
| Loan loss allowance to noncurrent loans | 955.3664% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.0769% | 3,694 |
| Noncurrent loans to loans | 0.1018% | 3,674 |
| Net loans and leases to total assets | 74.7825% | 695 |
| Net loans and leases to deposits | 86.0537% | 907 |
| Net loans and leases to core deposits | 87.6926% | 1,291 |
| Total domestic deposits to total assets | 86.9022% | 2,380 |
| Equity capital to assets | 8.7325% | 4,022 |
| Core capital (leverage) ratio | 8.6959% | 3,789 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4061% | 2,204 |
| Memoranda: | ||
| Average total assets | $2,449,603,000 | 442 |
| Average earning assets | $2,338,699,000 | 425 |
| Average equity | $214,961,667 | 504 |
| Average total loans | $1,885,847,000 | 382 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5846% | 2,692 |
| Cost of funding earning assets | 0.2172% | 3,755 |
| Net interest margin | 3.3674% | 2,196 |
| Noninterest income to average assets | 0.5356% | 2,454 |
| Noninterest expense to average assets | 2.6668% | 1,696 |
| Loan and lease loss provision to assets | 0.0099% | 2,646 |
| Net operating income to assets | 0.9227% | 3,071 |
| Return on assets (ROA) | 0.9249% | 3,135 |
| Pretax return on assets | 1.0804% | 3,163 |
| Return on Equity (ROE) | 10.5134% | 2,526 |
| Retained earnings to average equity (ytd only) | 10.5134% | 1,511 |
| Net charge-offs to loans | 0.0062% | 1,677 |
| Credit loss provision to net charge-offs | 206.8966% | 878 |
| Earnings coverage of net charge-offs (x) | 226.3103% | 369 |
| Efficiency ratio | 70.8219% | 1,618 |
| Assets per employee ($millions) | 6.7679% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9569% | 4,000 |
| Loan loss allowance to noncurrent loans | 885.7073% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 3,779 |
| Noncurrent loans to loans | 0.1080% | 3,769 |
| Net loans and leases to total assets | 76.8706% | 547 |
| Net loans and leases to deposits | 86.8301% | 899 |
| Net loans and leases to core deposits | 88.3736% | 1,340 |
| Total domestic deposits to total assets | 88.5299% | 1,591 |
| Equity capital to assets | 8.7815% | 3,887 |
| Core capital (leverage) ratio | 8.5835% | 4,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2359% | 2,191 |
| Memoranda: | ||
| Average total assets | $2,413,563,500 | 440 |
| Average earning assets | $2,307,091,500 | 425 |
| Average equity | $212,339,500 | 502 |
| Average total loans | $1,876,624,000 | 382 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8037% | 3,289 |
| Cost of funding earning assets | 0.4068% | 3,536 |
| Net interest margin | 3.3970% | 2,788 |
| Noninterest income to average assets | 0.6886% | 1,898 |
| Noninterest expense to average assets | 2.9539% | 1,535 |
| Loan and lease loss provision to assets | 0.1220% | 2,843 |
| Net operating income to assets | 0.7637% | 3,226 |
| Return on assets (ROA) | 0.7652% | 3,340 |
| Pretax return on assets | 0.8426% | 3,521 |
| Return on Equity (ROE) | 8.4222% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.0268% | 1,045 |
| Net charge-offs to loans | 0.0042% | 3,214 |
| Credit loss provision to net charge-offs | 3,509.4595% | 290 |
| Earnings coverage of net charge-offs (x) | 277.0676% | 366 |
| Efficiency ratio | 75.1553% | 1,320 |
| Assets per employee ($millions) | 6.7918% | 1,716 |
| Cash dividends to net income (ytd only)* | 4.6950% | 3,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,976 |
| Loan loss allowance to noncurrent loans | 1,119.8388% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0675% | 4,008 |
| Noncurrent loans to loans | 0.0866% | 3,946 |
| Net loans and leases to total assets | 77.1403% | 684 |
| Net loans and leases to deposits | 87.2505% | 1,157 |
| Net loans and leases to core deposits | 89.8197% | 1,537 |
| Total domestic deposits to total assets | 88.4125% | 1,269 |
| Equity capital to assets | 8.8144% | 4,210 |
| Core capital (leverage) ratio | 8.8194% | 3,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0100% | 2,232 |
| Memoranda: | ||
| Average total assets | $2,129,329,800 | 452 |
| Average earning assets | $2,023,577,800 | 441 |
| Average equity | $193,464,000 | 519 |
| Average total loans | $1,776,113,200 | 383 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8430% | 3,431 |
| Cost of funding earning assets | 0.4616% | 3,460 |
| Net interest margin | 3.3814% | 2,978 |
| Noninterest income to average assets | 0.6393% | 2,026 |
| Noninterest expense to average assets | 2.8851% | 1,739 |
| Loan and lease loss provision to assets | 0.1558% | 2,450 |
| Net operating income to assets | 0.6865% | 3,500 |
| Return on assets (ROA) | 0.6884% | 3,598 |
| Pretax return on assets | 0.8102% | 3,620 |
| Return on Equity (ROE) | 7.5121% | 3,008 |
| Retained earnings to average equity (ytd only) | 6.9728% | 1,704 |
| Net charge-offs to loans | 0.0078% | 2,840 |
| Credit loss provision to net charge-offs | 2,340.7767% | 422 |
| Earnings coverage of net charge-offs (x) | 144.8350% | 619 |
| Efficiency ratio | 74.6744% | 1,342 |
| Assets per employee ($millions) | 6.4915% | 1,839 |
| Cash dividends to net income (ytd only)* | 7.1784% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 3,887 |
| Loan loss allowance to noncurrent loans | 926.6874% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 3,999 |
| Noncurrent loans to loans | 0.1026% | 3,960 |
| Net loans and leases to total assets | 83.5354% | 321 |
| Net loans and leases to deposits | 94.5652% | 875 |
| Net loans and leases to core deposits | 97.1971% | 1,365 |
| Total domestic deposits to total assets | 88.3363% | 1,041 |
| Equity capital to assets | 8.8273% | 4,234 |
| Core capital (leverage) ratio | 8.5580% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2718% | 2,506 |
| Memoranda: | ||
| Average total assets | $2,063,988,000 | 456 |
| Average earning assets | $1,959,025,250 | 443 |
| Average equity | $189,148,750 | 527 |
| Average total loans | $1,754,577,750 | 381 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 3,497 |
| Cost of funding earning assets | 0.5365% | 3,311 |
| Net interest margin | 3.4039% | 3,086 |
| Noninterest income to average assets | 0.5331% | 2,425 |
| Noninterest expense to average assets | 2.8494% | 1,977 |
| Loan and lease loss provision to assets | 0.1729% | 2,284 |
| Net operating income to assets | 0.6345% | 3,626 |
| Return on assets (ROA) | 0.6373% | 3,703 |
| Pretax return on assets | 0.7389% | 3,772 |
| Return on Equity (ROE) | 6.8609% | 3,186 |
| Retained earnings to average equity (ytd only) | 6.1109% | 2,027 |
| Net charge-offs to loans | 0.0055% | 2,765 |
| Credit loss provision to net charge-offs | 3,695.7447% | 297 |
| Earnings coverage of net charge-offs (x) | 194.2553% | 467 |
| Efficiency ratio | 75.5131% | 1,307 |
| Assets per employee ($millions) | 6.4897% | 1,788 |
| Cash dividends to net income (ytd only)* | 10.9307% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 3,863 |
| Loan loss allowance to noncurrent loans | 846.2672% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 4,056 |
| Noncurrent loans to loans | 0.1105% | 4,013 |
| Net loans and leases to total assets | 84.7333% | 201 |
| Net loans and leases to deposits | 95.8518% | 811 |
| Net loans and leases to core deposits | 101.5979% | 1,144 |
| Total domestic deposits to total assets | 88.4004% | 987 |
| Equity capital to assets | 8.9155% | 4,162 |
| Core capital (leverage) ratio | 8.7889% | 4,125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2315% | 2,509 |
| Memoranda: | ||
| Average total assets | $2,009,788,333 | 460 |
| Average earning assets | $1,904,064,667 | 449 |
| Average equity | $186,682,333 | 532 |
| Average total loans | $1,713,491,667 | 388 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,638 |
| Cost of funding earning assets | 0.6507% | 3,167 |
| Net interest margin | 3.4053% | 3,282 |
| Noninterest income to average assets | 0.5180% | 2,454 |
| Noninterest expense to average assets | 2.9142% | 2,084 |
| Loan and lease loss provision to assets | 0.0328% | 3,358 |
| Net operating income to assets | 0.6868% | 3,313 |
| Return on assets (ROA) | 0.6923% | 3,371 |
| Pretax return on assets | 0.8046% | 3,401 |
| Return on Equity (ROE) | 7.2900% | 2,836 |
| Retained earnings to average equity (ytd only) | 5.7681% | 1,967 |
| Net charge-offs to loans | 0.0085% | 2,256 |
| Credit loss provision to net charge-offs | 454.2857% | 932 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 522 |
| Efficiency ratio | 77.4917% | 1,401 |
| Assets per employee ($millions) | 5.6372% | 1,983 |
| Cash dividends to net income (ytd only)* | 20.8768% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9448% | 3,950 |
| Loan loss allowance to noncurrent loans | 846.7027% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,143 |
| Noncurrent loans to loans | 0.1116% | 4,074 |
| Net loans and leases to total assets | 84.6891% | 224 |
| Net loans and leases to deposits | 99.8090% | 569 |
| Net loans and leases to core deposits | 105.7186% | 1,075 |
| Total domestic deposits to total assets | 84.8511% | 2,462 |
| Equity capital to assets | 9.5344% | 4,182 |
| Core capital (leverage) ratio | 9.2627% | 4,213 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4665% | 2,492 |
| Memoranda: | ||
| Average total assets | $1,937,396,500 | 460 |
| Average earning assets | $1,836,057,500 | 449 |
| Average equity | $183,978,500 | 538 |
| Average total loans | $1,648,802,000 | 391 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 3,880 |
| Cost of funding earning assets | 0.7204% | 3,068 |
| Net interest margin | 3.4511% | 3,588 |
| Noninterest income to average assets | 0.5291% | 2,584 |
| Noninterest expense to average assets | 2.9518% | 2,140 |
| Loan and lease loss provision to assets | 0.0372% | 3,267 |
| Net operating income to assets | 0.7140% | 3,827 |
| Return on assets (ROA) | 0.7144% | 3,884 |
| Pretax return on assets | 0.7983% | 3,974 |
| Return on Equity (ROE) | 7.5916% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.3617% | 1,229 |
| Net charge-offs to loans | 0.0189% | 3,049 |
| Credit loss provision to net charge-offs | 232.8814% | 1,152 |
| Earnings coverage of net charge-offs (x) | 52.3322% | 1,091 |
| Efficiency ratio | 77.5716% | 1,196 |
| Assets per employee ($millions) | 5.6762% | 1,898 |
| Cash dividends to net income (ytd only)* | 3.0282% | 3,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9478% | 3,752 |
| Loan loss allowance to noncurrent loans | 958.6675% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0837% | 4,224 |
| Noncurrent loans to loans | 0.0989% | 4,131 |
| Net loans and leases to total assets | 83.9076% | 328 |
| Net loans and leases to deposits | 97.3540% | 812 |
| Net loans and leases to core deposits | 102.4636% | 1,363 |
| Total domestic deposits to total assets | 86.1881% | 1,989 |
| Equity capital to assets | 9.4579% | 4,382 |
| Core capital (leverage) ratio | 9.2749% | 4,303 |
| Tier 1 risk-based capital ratio | 12.2856% | 4,192 |
| Total risk-based capital ratio | 13.3777% | 4,173 |
| Memoranda: | ||
| Average total assets | $1,848,918,000 | 457 |
| Average earning assets | $1,745,298,600 | 443 |
| Average equity | $173,994,400 | 531 |
| Average total loans | $1,560,518,400 | 392 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1791% | 3,966 |
| Cost of funding earning assets | 0.7255% | 3,095 |
| Net interest margin | 3.4536% | 3,723 |
| Noninterest income to average assets | 0.5141% | 2,643 |
| Noninterest expense to average assets | 2.9049% | 2,253 |
| Loan and lease loss provision to assets | 0.0501% | 2,894 |
| Net operating income to assets | 0.7062% | 3,991 |
| Return on assets (ROA) | 0.7068% | 4,058 |
| Pretax return on assets | 0.8164% | 4,084 |
| Return on Equity (ROE) | 7.5203% | 3,498 |
| Retained earnings to average equity (ytd only) | 7.5203% | 1,609 |
| Net charge-offs to loans | 0.0177% | 2,781 |
| Credit loss provision to net charge-offs | 336.7647% | 880 |
| Earnings coverage of net charge-offs (x) | 58.1722% | 1,073 |
| Efficiency ratio | 76.6380% | 1,251 |
| Assets per employee ($millions) | 5.4767% | 2,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9769% | 3,699 |
| Loan loss allowance to noncurrent loans | 913.0257% | 632 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 4,244 |
| Noncurrent loans to loans | 0.1070% | 4,164 |
| Net loans and leases to total assets | 84.0958% | 343 |
| Net loans and leases to deposits | 98.3599% | 782 |
| Net loans and leases to core deposits | 103.9756% | 1,327 |
| Total domestic deposits to total assets | 85.4981% | 2,212 |
| Equity capital to assets | 9.4847% | 4,470 |
| Core capital (leverage) ratio | 9.2622% | 4,415 |
| Tier 1 risk-based capital ratio | 12.2279% | 4,296 |
| Total risk-based capital ratio | 13.3441% | 4,264 |
| Memoranda: | ||
| Average total assets | $1,827,250,500 | 462 |
| Average earning assets | $1,723,077,500 | 451 |
| Average equity | $171,726,500 | 541 |
| Average total loans | $1,540,736,750 | 398 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 4,061 |
| Cost of funding earning assets | 0.7202% | 3,046 |
| Net interest margin | 3.4242% | 3,817 |
| Noninterest income to average assets | 0.5140% | 2,596 |
| Noninterest expense to average assets | 2.9138% | 2,248 |
| Loan and lease loss provision to assets | 0.0533% | 2,754 |
| Net operating income to assets | 0.6714% | 4,099 |
| Return on assets (ROA) | 0.6717% | 4,144 |
| Pretax return on assets | 0.7723% | 4,158 |
| Return on Equity (ROE) | 7.1698% | 3,611 |
| Retained earnings to average equity (ytd only) | 7.1698% | 1,734 |
| Net charge-offs to loans | 0.0214% | 2,419 |
| Credit loss provision to net charge-offs | 295.7055% | 915 |
| Earnings coverage of net charge-offs (x) | 45.7791% | 1,162 |
| Efficiency ratio | 77.5142% | 1,217 |
| Assets per employee ($millions) | 5.5281% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 3,695 |
| Loan loss allowance to noncurrent loans | 1,194.3629% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,375 |
| Noncurrent loans to loans | 0.0827% | 4,307 |
| Net loans and leases to total assets | 82.9565% | 477 |
| Net loans and leases to deposits | 97.3777% | 901 |
| Net loans and leases to core deposits | 102.6126% | 1,509 |
| Total domestic deposits to total assets | 85.1904% | 2,394 |
| Equity capital to assets | 9.3652% | 4,528 |
| Core capital (leverage) ratio | 9.2852% | 4,371 |
| Tier 1 risk-based capital ratio | 11.9511% | 4,447 |
| Total risk-based capital ratio | 13.0540% | 4,418 |
| Memoranda: | ||
| Average total assets | $1,808,338,330 | 466 |
| Average earning assets | $1,703,228,000 | 454 |
| Average equity | $169,405,330 | 543 |
| Average total loans | $1,520,987,330 | 402 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1220% | 4,069 |
| Cost of funding earning assets | 0.7031% | 3,035 |
| Net interest margin | 3.4188% | 3,837 |
| Noninterest income to average assets | 0.4708% | 2,731 |
| Noninterest expense to average assets | 2.8921% | 2,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7053% | 3,915 |
| Return on assets (ROA) | 0.7059% | 3,960 |
| Pretax return on assets | 0.8015% | 4,035 |
| Return on Equity (ROE) | 7.5336% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.5336% | 1,826 |
| Net charge-offs to loans | -0.0200% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8888% | 1,277 |
| Assets per employee ($millions) | 5.5617% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 3,641 |
| Loan loss allowance to noncurrent loans | 966.5397% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 4,338 |
| Noncurrent loans to loans | 0.1043% | 4,269 |
| Net loans and leases to total assets | 83.4960% | 423 |
| Net loans and leases to deposits | 97.0290% | 889 |
| Net loans and leases to core deposits | 103.0147% | 1,382 |
| Total domestic deposits to total assets | 86.0526% | 2,260 |
| Equity capital to assets | 9.4425% | 4,309 |
| Core capital (leverage) ratio | 9.3316% | 4,336 |
| Tier 1 risk-based capital ratio | 12.1114% | 4,404 |
| Total risk-based capital ratio | 13.2315% | 4,361 |
| Memoranda: | ||
| Average total assets | $1,778,252,500 | 475 |
| Average earning assets | $1,675,901,500 | 463 |
| Average equity | $166,613,000 | 550 |
| Average total loans | $1,498,722,000 | 410 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 3,754 |
| Cost of funding earning assets | 0.5849% | 2,818 |
| Net interest margin | 3.5113% | 3,667 |
| Noninterest income to average assets | 0.5704% | 2,448 |
| Noninterest expense to average assets | 2.8906% | 2,388 |
| Loan and lease loss provision to assets | 0.0710% | 2,715 |
| Net operating income to assets | 0.7868% | 3,852 |
| Return on assets (ROA) | 0.7441% | 3,993 |
| Pretax return on assets | 0.8650% | 3,987 |
| Return on Equity (ROE) | 8.1662% | 3,371 |
| Retained earnings to average equity (ytd only) | 8.1662% | 1,166 |
| Net charge-offs to loans | 0.0248% | 2,910 |
| Credit loss provision to net charge-offs | 341.7367% | 920 |
| Earnings coverage of net charge-offs (x) | 47.0812% | 1,177 |
| Efficiency ratio | 74.2382% | 1,597 |
| Assets per employee ($millions) | 5.5005% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0187% | 3,570 |
| Loan loss allowance to noncurrent loans | 725.8265% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,196 |
| Noncurrent loans to loans | 0.1404% | 4,111 |
| Net loans and leases to total assets | 83.3563% | 477 |
| Net loans and leases to deposits | 96.9897% | 974 |
| Net loans and leases to core deposits | 101.3780% | 1,619 |
| Total domestic deposits to total assets | 85.9434% | 2,260 |
| Equity capital to assets | 9.2954% | 4,324 |
| Core capital (leverage) ratio | 9.2827% | 4,370 |
| Tier 1 risk-based capital ratio | 12.2269% | 4,284 |
| Total risk-based capital ratio | 13.3715% | 4,236 |
| Memoranda: | ||
| Average total assets | $1,717,422,400 | 477 |
| Average earning assets | $1,613,503,000 | 465 |
| Average equity | $156,498,000 | 544 |
| Average total loans | $1,436,894,200 | 415 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0494% | 3,786 |
| Cost of funding earning assets | 0.5609% | 2,782 |
| Net interest margin | 3.4885% | 3,733 |
| Noninterest income to average assets | 0.6472% | 2,086 |
| Noninterest expense to average assets | 2.9440% | 2,184 |
| Loan and lease loss provision to assets | 0.0543% | 2,881 |
| Net operating income to assets | 0.7646% | 4,032 |
| Return on assets (ROA) | 0.7646% | 4,038 |
| Pretax return on assets | 0.9258% | 3,934 |
| Return on Equity (ROE) | 8.4349% | 3,362 |
| Retained earnings to average equity (ytd only) | 8.4349% | 1,455 |
| Net charge-offs to loans | 0.0043% | 3,303 |
| Credit loss provision to net charge-offs | 1,510.8696% | 267 |
| Earnings coverage of net charge-offs (x) | 272.5514% | 341 |
| Efficiency ratio | 74.5418% | 1,517 |
| Assets per employee ($millions) | 5.4797% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0190% | 3,645 |
| Loan loss allowance to noncurrent loans | 747.0735% | 764 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 4,343 |
| Noncurrent loans to loans | 0.1364% | 4,271 |
| Net loans and leases to total assets | 83.5062% | 514 |
| Net loans and leases to deposits | 99.4360% | 832 |
| Net loans and leases to core deposits | 102.7993% | 1,541 |
| Total domestic deposits to total assets | 83.9798% | 2,949 |
| Equity capital to assets | 9.0826% | 4,474 |
| Core capital (leverage) ratio | 9.2494% | 4,459 |
| Tier 1 risk-based capital ratio | 12.1353% | 4,423 |
| Total risk-based capital ratio | 13.2771% | 4,372 |
| Memoranda: | ||
| Average total assets | $1,705,365,250 | 477 |
| Average earning assets | $1,601,945,250 | 467 |
| Average equity | $154,591,250 | 548 |
| Average total loans | $1,424,385,500 | 414 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0006% | 3,787 |
| Cost of funding earning assets | 0.5370% | 2,719 |
| Net interest margin | 3.4636% | 3,755 |
| Noninterest income to average assets | 0.6331% | 2,162 |
| Noninterest expense to average assets | 2.9114% | 2,322 |
| Loan and lease loss provision to assets | 0.0348% | 3,216 |
| Net operating income to assets | 0.7596% | 3,995 |
| Return on assets (ROA) | 0.7596% | 3,998 |
| Pretax return on assets | 0.9369% | 3,853 |
| Return on Equity (ROE) | 8.3853% | 3,321 |
| Retained earnings to average equity (ytd only) | 8.3853% | 1,455 |
| Net charge-offs to loans | -0.0112% | 4,354 |
| Credit loss provision to net charge-offs | -373.4177% | 4,314 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4780% | 1,641 |
| Assets per employee ($millions) | 5.1902% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 3,638 |
| Loan loss allowance to noncurrent loans | 965.0428% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 4,466 |
| Noncurrent loans to loans | 0.1069% | 4,434 |
| Net loans and leases to total assets | 82.8417% | 603 |
| Net loans and leases to deposits | 101.1310% | 725 |
| Net loans and leases to core deposits | 105.2626% | 1,300 |
| Total domestic deposits to total assets | 81.9152% | 3,742 |
| Equity capital to assets | 9.1532% | 4,428 |
| Core capital (leverage) ratio | 9.2025% | 4,461 |
| Tier 1 risk-based capital ratio | 12.2332% | 4,353 |
| Total risk-based capital ratio | 13.3877% | 4,290 |
| Memoranda: | ||
| Average total assets | $1,694,794,330 | 482 |
| Average earning assets | $1,590,275,670 | 470 |
| Average equity | $153,531,000 | 549 |
| Average total loans | $1,410,680,330 | 416 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 3,789 |
| Cost of funding earning assets | 0.4919% | 2,857 |
| Net interest margin | 3.4576% | 3,680 |
| Noninterest income to average assets | 0.6176% | 2,181 |
| Noninterest expense to average assets | 2.9081% | 2,338 |
| Loan and lease loss provision to assets | 0.0768% | 2,231 |
| Net operating income to assets | 0.7572% | 3,885 |
| Return on assets (ROA) | 0.7572% | 3,883 |
| Pretax return on assets | 0.8786% | 3,913 |
| Return on Equity (ROE) | 8.4024% | 3,192 |
| Retained earnings to average equity (ytd only) | 8.4024% | 1,689 |
| Net charge-offs to loans | 0.0179% | 2,147 |
| Credit loss provision to net charge-offs | 515.8730% | 569 |
| Earnings coverage of net charge-offs (x) | 64.2063% | 805 |
| Efficiency ratio | 74.7708% | 1,786 |
| Assets per employee ($millions) | 5.1914% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 3,812 |
| Loan loss allowance to noncurrent loans | 509.5271% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 4,199 |
| Noncurrent loans to loans | 0.2012% | 4,065 |
| Net loans and leases to total assets | 82.4679% | 604 |
| Net loans and leases to deposits | 102.9255% | 541 |
| Net loans and leases to core deposits | 130.5590% | 331 |
| Total domestic deposits to total assets | 80.1238% | 4,392 |
| Equity capital to assets | 8.9661% | 4,593 |
| Core capital (leverage) ratio | 8.9305% | 4,762 |
| Tier 1 risk-based capital ratio | 11.8785% | 4,622 |
| Total risk-based capital ratio | 13.0316% | 4,575 |
| Memoranda: | ||
| Average total assets | $1,693,594,500 | 485 |
| Average earning assets | $1,589,900,500 | 472 |
| Average equity | $152,622,500 | 555 |
| Average total loans | $1,405,699,000 | 417 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 3,554 |
| Cost of funding earning assets | 0.4582% | 2,696 |
| Net interest margin | 3.4964% | 3,544 |
| Noninterest income to average assets | 0.7108% | 1,916 |
| Noninterest expense to average assets | 2.9977% | 2,174 |
| Loan and lease loss provision to assets | 0.0861% | 2,472 |
| Net operating income to assets | 0.5007% | 4,377 |
| Return on assets (ROA) | 0.5028% | 4,404 |
| Pretax return on assets | 0.8884% | 3,952 |
| Return on Equity (ROE) | 5.4617% | 3,984 |
| Retained earnings to average equity (ytd only) | 5.4617% | 1,837 |
| Net charge-offs to loans | 0.0472% | 2,843 |
| Credit loss provision to net charge-offs | 221.6906% | 1,240 |
| Earnings coverage of net charge-offs (x) | 24.9952% | 1,734 |
| Efficiency ratio | 74.9696% | 1,767 |
| Assets per employee ($millions) | 5.1669% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0258% | 3,766 |
| Loan loss allowance to noncurrent loans | 540.6889% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 4,251 |
| Noncurrent loans to loans | 0.1897% | 4,157 |
| Net loans and leases to total assets | 81.8281% | 701 |
| Net loans and leases to deposits | 100.1986% | 714 |
| Net loans and leases to core deposits | 132.0011% | 300 |
| Total domestic deposits to total assets | 81.6659% | 3,949 |
| Equity capital to assets | 9.0579% | 4,661 |
| Core capital (leverage) ratio | 8.9604% | 4,697 |
| Tier 1 risk-based capital ratio | 11.8898% | 4,600 |
| Total risk-based capital ratio | 13.0386% | 4,546 |
| Memoranda: | ||
| Average total assets | $1,613,559,200 | 489 |
| Average earning assets | $1,503,643,600 | 476 |
| Average equity | $148,542,400 | 547 |
| Average total loans | $1,329,119,800 | 423 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 3,546 |
| Cost of funding earning assets | 0.4536% | 2,686 |
| Net interest margin | 3.4877% | 3,547 |
| Noninterest income to average assets | 0.7050% | 1,974 |
| Noninterest expense to average assets | 3.0003% | 2,104 |
| Loan and lease loss provision to assets | 0.0794% | 2,495 |
| Net operating income to assets | 0.6555% | 4,174 |
| Return on assets (ROA) | 0.6589% | 4,217 |
| Pretax return on assets | 0.8738% | 4,128 |
| Return on Equity (ROE) | 7.1267% | 3,582 |
| Retained earnings to average equity (ytd only) | 7.1267% | 1,627 |
| Net charge-offs to loans | 0.0451% | 2,539 |
| Credit loss provision to net charge-offs | 213.9640% | 1,283 |
| Earnings coverage of net charge-offs (x) | 25.5764% | 1,722 |
| Efficiency ratio | 75.3887% | 1,679 |
| Assets per employee ($millions) | 5.1736% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 3,893 |
| Loan loss allowance to noncurrent loans | 352.2853% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 4,052 |
| Noncurrent loans to loans | 0.2931% | 3,892 |
| Net loans and leases to total assets | 82.2310% | 646 |
| Net loans and leases to deposits | 103.5130% | 526 |
| Net loans and leases to core deposits | 129.7066% | 346 |
| Total domestic deposits to total assets | 79.4403% | 4,451 |
| Equity capital to assets | 9.3323% | 4,621 |
| Core capital (leverage) ratio | 9.1200% | 4,615 |
| Tier 1 risk-based capital ratio | 12.0238% | 4,599 |
| Total risk-based capital ratio | 13.1734% | 4,559 |
| Memoranda: | ||
| Average total assets | $1,595,846,000 | 499 |
| Average earning assets | $1,484,385,000 | 487 |
| Average equity | $147,535,000 | 554 |
| Average total loans | $1,313,248,000 | 429 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9172% | 3,496 |
| Cost of funding earning assets | 0.4457% | 2,643 |
| Net interest margin | 3.4716% | 3,500 |
| Noninterest income to average assets | 0.7192% | 1,909 |
| Noninterest expense to average assets | 3.0536% | 1,964 |
| Loan and lease loss provision to assets | 0.0821% | 2,347 |
| Net operating income to assets | 0.6131% | 4,248 |
| Return on assets (ROA) | 0.6183% | 4,267 |
| Pretax return on assets | 0.8107% | 4,233 |
| Return on Equity (ROE) | 6.7093% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.7093% | 1,738 |
| Net charge-offs to loans | 0.0465% | 2,285 |
| Credit loss provision to net charge-offs | 215.2318% | 1,205 |
| Earnings coverage of net charge-offs (x) | 23.2185% | 1,684 |
| Efficiency ratio | 76.9107% | 1,592 |
| Assets per employee ($millions) | 4.8834% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 3,856 |
| Loan loss allowance to noncurrent loans | 284.0467% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 3,841 |
| Noncurrent loans to loans | 0.3693% | 3,707 |
| Net loans and leases to total assets | 81.1942% | 791 |
| Net loans and leases to deposits | 103.3441% | 532 |
| Net loans and leases to core deposits | 124.4972% | 423 |
| Total domestic deposits to total assets | 78.5669% | 4,715 |
| Equity capital to assets | 9.2902% | 4,630 |
| Core capital (leverage) ratio | 9.0706% | 4,643 |
| Tier 1 risk-based capital ratio | 11.9351% | 4,671 |
| Total risk-based capital ratio | 13.0873% | 4,626 |
| Memoranda: | ||
| Average total assets | $1,582,846,670 | 502 |
| Average earning assets | $1,468,330,330 | 492 |
| Average equity | $145,857,000 | 560 |
| Average total loans | $1,298,205,000 | 435 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 3,432 |
| Cost of funding earning assets | 0.4308% | 2,712 |
| Net interest margin | 3.4592% | 3,423 |
| Noninterest income to average assets | 0.6470% | 2,195 |
| Noninterest expense to average assets | 3.1181% | 1,815 |
| Loan and lease loss provision to assets | 0.1020% | 1,859 |
| Net operating income to assets | 0.5020% | 4,582 |
| Return on assets (ROA) | 0.5088% | 4,592 |
| Pretax return on assets | 0.6378% | 4,633 |
| Return on Equity (ROE) | 5.5444% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.5444% | 2,572 |
| Net charge-offs to loans | 0.0131% | 2,542 |
| Credit loss provision to net charge-offs | 952.3810% | 340 |
| Earnings coverage of net charge-offs (x) | 68.2857% | 734 |
| Efficiency ratio | 80.3842% | 1,332 |
| Assets per employee ($millions) | 4.9152% | 2,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,909 |
| Loan loss allowance to noncurrent loans | 246.1866% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.3833% | 3,674 |
| Noncurrent loans to loans | 0.4323% | 3,550 |
| Net loans and leases to total assets | 81.2813% | 662 |
| Net loans and leases to deposits | 103.7047% | 413 |
| Net loans and leases to core deposits | 123.6142% | 367 |
| Total domestic deposits to total assets | 78.3776% | 4,923 |
| Equity capital to assets | 9.1440% | 4,666 |
| Core capital (leverage) ratio | 9.0694% | 4,658 |
| Tier 1 risk-based capital ratio | 11.8636% | 4,801 |
| Total risk-based capital ratio | 13.0412% | 4,765 |
| Memoranda: | ||
| Average total assets | $1,568,512,500 | 505 |
| Average earning assets | $1,452,132,000 | 496 |
| Average equity | $143,929,000 | 560 |
| Average total loans | $1,286,144,000 | 439 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9345% | 3,443 |
| Cost of funding earning assets | 0.4075% | 2,932 |
| Net interest margin | 3.5270% | 3,327 |
| Noninterest income to average assets | 0.6600% | 2,370 |
| Noninterest expense to average assets | 3.0855% | 2,081 |
| Loan and lease loss provision to assets | 0.1577% | 1,579 |
| Net operating income to assets | 0.5401% | 4,479 |
| Return on assets (ROA) | 0.5446% | 4,554 |
| Pretax return on assets | 0.6829% | 4,548 |
| Return on Equity (ROE) | 5.6387% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.6387% | 1,926 |
| Net charge-offs to loans | 0.2097% | 1,324 |
| Credit loss provision to net charge-offs | 91.3507% | 2,771 |
| Earnings coverage of net charge-offs (x) | 4.8365% | 3,438 |
| Efficiency ratio | 77.9944% | 1,693 |
| Assets per employee ($millions) | 4.8419% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 3,915 |
| Loan loss allowance to noncurrent loans | 225.5546% | 2,054 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 3,551 |
| Noncurrent loans to loans | 0.4728% | 3,456 |
| Net loans and leases to total assets | 80.9632% | 741 |
| Net loans and leases to deposits | 101.7341% | 548 |
| Net loans and leases to core deposits | 122.9007% | 408 |
| Total domestic deposits to total assets | 79.5832% | 4,662 |
| Equity capital to assets | 9.2091% | 4,572 |
| Core capital (leverage) ratio | 9.2990% | 4,348 |
| Tier 1 risk-based capital ratio | 12.0786% | 4,672 |
| Total risk-based capital ratio | 13.2487% | 4,613 |
| Memoranda: | ||
| Average total assets | $1,466,333,000 | 515 |
| Average earning assets | $1,355,612,000 | 509 |
| Average equity | $141,609,600 | 559 |
| Average total loans | $1,207,165,400 | 438 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 3,567 |
| Cost of funding earning assets | 0.4031% | 2,989 |
| Net interest margin | 3.5030% | 3,456 |
| Noninterest income to average assets | 0.6732% | 2,296 |
| Noninterest expense to average assets | 3.0957% | 2,037 |
| Loan and lease loss provision to assets | 0.1088% | 2,112 |
| Net operating income to assets | 0.5378% | 4,545 |
| Return on assets (ROA) | 0.5434% | 4,630 |
| Pretax return on assets | 0.7126% | 4,577 |
| Return on Equity (ROE) | 5.5581% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.5581% | 2,455 |
| Net charge-offs to loans | 0.1773% | 1,308 |
| Credit loss provision to net charge-offs | 74.4479% | 2,732 |
| Earnings coverage of net charge-offs (x) | 5.5678% | 3,113 |
| Efficiency ratio | 78.4449% | 1,625 |
| Assets per employee ($millions) | 4.5840% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 3,920 |
| Loan loss allowance to noncurrent loans | 201.7854% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5379% | 3,311 |
| Noncurrent loans to loans | 0.5373% | 3,380 |
| Net loans and leases to total assets | 82.4244% | 561 |
| Net loans and leases to deposits | 100.1638% | 696 |
| Net loans and leases to core deposits | 118.4964% | 558 |
| Total domestic deposits to total assets | 82.2896% | 3,845 |
| Equity capital to assets | 9.8149% | 4,345 |
| Core capital (leverage) ratio | 9.4563% | 4,242 |
| Tier 1 risk-based capital ratio | 12.3341% | 4,582 |
| Total risk-based capital ratio | 13.5308% | 4,520 |
| Memoranda: | ||
| Average total assets | $1,445,564,500 | 525 |
| Average earning assets | $1,335,588,250 | 517 |
| Average equity | $141,340,500 | 564 |
| Average total loans | $1,191,963,750 | 444 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 3,542 |
| Cost of funding earning assets | 0.4006% | 3,040 |
| Net interest margin | 3.5190% | 3,420 |
| Noninterest income to average assets | 0.6200% | 2,505 |
| Noninterest expense to average assets | 3.1103% | 2,030 |
| Loan and lease loss provision to assets | 0.0836% | 2,470 |
| Net operating income to assets | 0.5185% | 4,606 |
| Return on assets (ROA) | 0.5271% | 4,693 |
| Pretax return on assets | 0.6852% | 4,666 |
| Return on Equity (ROE) | 5.3980% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.3980% | 2,491 |
| Net charge-offs to loans | 0.0460% | 2,556 |
| Credit loss provision to net charge-offs | 221.4022% | 1,211 |
| Earnings coverage of net charge-offs (x) | 20.0664% | 1,744 |
| Efficiency ratio | 79.6549% | 1,537 |
| Assets per employee ($millions) | 4.4327% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,555 |
| Loan loss allowance to noncurrent loans | 177.4946% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 2,963 |
| Noncurrent loans to loans | 0.6560% | 3,108 |
| Net loans and leases to total assets | 82.1382% | 612 |
| Net loans and leases to deposits | 99.5042% | 733 |
| Net loans and leases to core deposits | 118.6879% | 551 |
| Total domestic deposits to total assets | 82.5474% | 3,816 |
| Equity capital to assets | 9.8250% | 4,416 |
| Core capital (leverage) ratio | 9.5123% | 4,192 |
| Tier 1 risk-based capital ratio | 12.1540% | 4,728 |
| Total risk-based capital ratio | 13.4042% | 4,646 |
| Memoranda: | ||
| Average total assets | $1,435,402,000 | 528 |
| Average earning assets | $1,324,879,670 | 522 |
| Average equity | $140,163,000 | 569 |
| Average total loans | $1,179,297,330 | 451 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9024% | 3,584 |
| Cost of funding earning assets | 0.3938% | 3,151 |
| Net interest margin | 3.5086% | 3,442 |
| Noninterest income to average assets | 0.6257% | 2,385 |
| Noninterest expense to average assets | 3.1069% | 2,079 |
| Loan and lease loss provision to assets | 0.1262% | 1,681 |
| Net operating income to assets | 0.4958% | 4,644 |
| Return on assets (ROA) | 0.4953% | 4,742 |
| Pretax return on assets | 0.6336% | 4,721 |
| Return on Equity (ROE) | 5.0886% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.0886% | 2,882 |
| Net charge-offs to loans | 0.0096% | 2,802 |
| Credit loss provision to net charge-offs | 1,607.1429% | 258 |
| Earnings coverage of net charge-offs (x) | 96.8214% | 553 |
| Efficiency ratio | 79.5764% | 1,654 |
| Assets per employee ($millions) | 4.4791% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2050% | 3,446 |
| Loan loss allowance to noncurrent loans | 148.5058% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8550% | 2,555 |
| Noncurrent loans to loans | 0.8114% | 2,810 |
| Net loans and leases to total assets | 81.7795% | 589 |
| Net loans and leases to deposits | 99.4499% | 663 |
| Net loans and leases to core deposits | 118.9908% | 497 |
| Total domestic deposits to total assets | 82.2319% | 4,141 |
| Equity capital to assets | 9.8497% | 4,271 |
| Core capital (leverage) ratio | 9.4283% | 4,314 |
| Tier 1 risk-based capital ratio | 12.3293% | 4,706 |
| Total risk-based capital ratio | 13.5801% | 4,602 |
| Memoranda: | ||
| Average total assets | $1,426,138,500 | 532 |
| Average earning assets | $1,317,565,000 | 523 |
| Average equity | $138,820,000 | 571 |
| Average total loans | $1,164,795,500 | 454 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8618% | 3,840 |
| Cost of funding earning assets | 0.3914% | 3,249 |
| Net interest margin | 3.4704% | 3,637 |
| Noninterest income to average assets | 0.7774% | 1,874 |
| Noninterest expense to average assets | 3.0842% | 2,284 |
| Loan and lease loss provision to assets | 0.1561% | 1,503 |
| Net operating income to assets | 0.5465% | 4,515 |
| Return on assets (ROA) | 0.5866% | 4,440 |
| Pretax return on assets | 0.7783% | 4,265 |
| Return on Equity (ROE) | 6.7797% | 3,628 |
| Retained earnings to average equity (ytd only) | 6.7797% | 1,386 |
| Net charge-offs to loans | 0.0850% | 2,620 |
| Credit loss provision to net charge-offs | 229.6182% | 1,240 |
| Earnings coverage of net charge-offs (x) | 12.9567% | 2,407 |
| Efficiency ratio | 76.9800% | 2,120 |
| Assets per employee ($millions) | 4.3805% | 3,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 3,539 |
| Loan loss allowance to noncurrent loans | 124.7481% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9367% | 2,326 |
| Noncurrent loans to loans | 0.9543% | 2,422 |
| Net loans and leases to total assets | 79.6229% | 896 |
| Net loans and leases to deposits | 94.1918% | 1,185 |
| Net loans and leases to core deposits | 115.4765% | 615 |
| Total domestic deposits to total assets | 84.5327% | 3,271 |
| Equity capital to assets | 9.6192% | 4,410 |
| Core capital (leverage) ratio | 9.2111% | 4,597 |
| Tier 1 risk-based capital ratio | 12.2001% | 4,827 |
| Total risk-based capital ratio | 13.4508% | 4,727 |
| Memoranda: | ||
| Average total assets | $1,424,940,800 | 502 |
| Average earning assets | $1,308,936,800 | 499 |
| Average equity | $123,280,600 | 622 |
| Average total loans | $1,140,268,000 | 435 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8626% | 3,882 |
| Cost of funding earning assets | 0.3932% | 3,293 |
| Net interest margin | 3.4695% | 3,672 |
| Noninterest income to average assets | 0.7247% | 2,130 |
| Noninterest expense to average assets | 3.0444% | 2,385 |
| Loan and lease loss provision to assets | 0.1241% | 1,831 |
| Net operating income to assets | 0.5506% | 4,585 |
| Return on assets (ROA) | 0.5885% | 4,535 |
| Pretax return on assets | 0.7905% | 4,362 |
| Return on Equity (ROE) | 6.9989% | 3,615 |
| Retained earnings to average equity (ytd only) | 6.9989% | 1,687 |
| Net charge-offs to loans | 0.0849% | 2,331 |
| Credit loss provision to net charge-offs | 183.0110% | 1,451 |
| Earnings coverage of net charge-offs (x) | 12.7279% | 2,379 |
| Efficiency ratio | 77.0745% | 2,078 |
| Assets per employee ($millions) | 4.2569% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 4,022 |
| Loan loss allowance to noncurrent loans | 115.8258% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.9697% | 2,426 |
| Noncurrent loans to loans | 0.9806% | 2,533 |
| Net loans and leases to total assets | 81.0814% | 692 |
| Net loans and leases to deposits | 97.4827% | 866 |
| Net loans and leases to core deposits | 118.1870% | 522 |
| Total domestic deposits to total assets | 83.1752% | 3,743 |
| Equity capital to assets | 8.7420% | 5,544 |
| Core capital (leverage) ratio | 8.0620% | 5,867 |
| Tier 1 risk-based capital ratio | 10.6289% | 5,832 |
| Total risk-based capital ratio | 11.8565% | 5,765 |
| Memoranda: | ||
| Average total assets | $1,423,073,250 | 502 |
| Average earning assets | $1,305,601,250 | 500 |
| Average equity | $119,654,000 | 642 |
| Average total loans | $1,136,768,000 | 438 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7865% | 4,111 |
| Cost of funding earning assets | 0.3902% | 3,368 |
| Net interest margin | 3.3963% | 3,922 |
| Noninterest income to average assets | 0.7264% | 2,107 |
| Noninterest expense to average assets | 3.1001% | 2,242 |
| Loan and lease loss provision to assets | 0.1294% | 1,717 |
| Net operating income to assets | 0.4704% | 4,888 |
| Return on assets (ROA) | 0.5059% | 4,853 |
| Pretax return on assets | 0.6595% | 4,793 |
| Return on Equity (ROE) | 6.0960% | 4,080 |
| Retained earnings to average equity (ytd only) | 6.0960% | 2,174 |
| Net charge-offs to loans | 0.0921% | 2,103 |
| Credit loss provision to net charge-offs | 177.5432% | 1,355 |
| Earnings coverage of net charge-offs (x) | 10.1900% | 2,385 |
| Efficiency ratio | 79.8157% | 1,790 |
| Assets per employee ($millions) | 4.2775% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 4,162 |
| Loan loss allowance to noncurrent loans | 111.8351% | 3,452 |
| Noncurrent assets plus other real estate owned to assets | 1.0132% | 2,492 |
| Noncurrent loans to loans | 1.0141% | 2,618 |
| Net loans and leases to total assets | 79.3587% | 892 |
| Net loans and leases to deposits | 99.8600% | 673 |
| Net loans and leases to core deposits | 116.9529% | 562 |
| Total domestic deposits to total assets | 79.4699% | 4,986 |
| Equity capital to assets | 8.5021% | 5,683 |
| Core capital (leverage) ratio | 7.8926% | 5,981 |
| Tier 1 risk-based capital ratio | 10.5167% | 5,917 |
| Total risk-based capital ratio | 11.7422% | 5,866 |
| Memoranda: | ||
| Average total assets | $1,429,168,670 | 504 |
| Average earning assets | $1,311,486,330 | 495 |
| Average equity | $118,603,330 | 650 |
| Average total loans | $1,131,655,000 | 439 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 4,067 |
| Cost of funding earning assets | 0.3945% | 3,366 |
| Net interest margin | 3.3908% | 3,881 |
| Noninterest income to average assets | 0.6341% | 2,476 |
| Noninterest expense to average assets | 3.1906% | 2,006 |
| Loan and lease loss provision to assets | 0.1602% | 1,262 |
| Net operating income to assets | 0.3281% | 5,315 |
| Return on assets (ROA) | 0.4000% | 5,179 |
| Pretax return on assets | 0.4923% | 5,197 |
| Return on Equity (ROE) | 4.8795% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.8795% | 3,125 |
| Net charge-offs to loans | 0.0113% | 2,961 |
| Credit loss provision to net charge-offs | 1,796.8750% | 221 |
| Earnings coverage of net charge-offs (x) | 63.2188% | 704 |
| Efficiency ratio | 84.1199% | 1,370 |
| Assets per employee ($millions) | 4.1489% | 3,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 4,268 |
| Loan loss allowance to noncurrent loans | 131.2261% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7838% | 3,152 |
| Noncurrent loans to loans | 0.8747% | 3,061 |
| Net loans and leases to total assets | 78.6602% | 843 |
| Net loans and leases to deposits | 106.6768% | 289 |
| Net loans and leases to core deposits | 117.3416% | 475 |
| Total domestic deposits to total assets | 73.7369% | 5,922 |
| Equity capital to assets | 8.3099% | 5,861 |
| Core capital (leverage) ratio | 7.6124% | 6,109 |
| Tier 1 risk-based capital ratio | 9.9321% | 6,187 |
| Total risk-based capital ratio | 11.1280% | 6,159 |
| Memoranda: | ||
| Average total assets | $1,435,830,000 | 498 |
| Average earning assets | $1,321,206,500 | 493 |
| Average equity | $117,717,000 | 653 |
| Average total loans | $1,129,239,500 | 440 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 4,552 |
| Cost of funding earning assets | 0.4395% | 3,279 |
| Net interest margin | 3.3395% | 4,439 |
| Noninterest income to average assets | 0.6872% | 2,360 |
| Noninterest expense to average assets | 3.1464% | 2,372 |
| Loan and lease loss provision to assets | 0.1287% | 2,034 |
| Net operating income to assets | 0.4170% | 5,167 |
| Return on assets (ROA) | 0.4230% | 5,214 |
| Pretax return on assets | 0.5008% | 5,250 |
| Return on Equity (ROE) | 4.6196% | 4,834 |
| Retained earnings to average equity (ytd only) | 4.6196% | 2,891 |
| Net charge-offs to loans | 0.0452% | 3,919 |
| Credit loss provision to net charge-offs | 365.9091% | 716 |
| Earnings coverage of net charge-offs (x) | 17.6886% | 1,900 |
| Efficiency ratio | 83.1558% | 1,503 |
| Assets per employee ($millions) | 4.1990% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1127% | 4,479 |
| Loan loss allowance to noncurrent loans | 137.6184% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.6902% | 3,506 |
| Noncurrent loans to loans | 0.8085% | 3,288 |
| Net loans and leases to total assets | 76.8669% | 1,149 |
| Net loans and leases to deposits | 106.5619% | 336 |
| Net loans and leases to core deposits | 116.7033% | 506 |
| Total domestic deposits to total assets | 72.1336% | 6,072 |
| Equity capital to assets | 8.0885% | 6,014 |
| Core capital (leverage) ratio | 7.3728% | 6,244 |
| Tier 1 risk-based capital ratio | 10.1897% | 6,207 |
| Total risk-based capital ratio | 11.3950% | 6,167 |
| Memoranda: | ||
| Average total assets | $1,250,592,400 | 540 |
| Average earning assets | $1,154,000,000 | 538 |
| Average equity | $114,512,800 | 637 |
| Average total loans | $973,251,200 | 468 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7277% | 4,781 |
| Cost of funding earning assets | 0.4443% | 3,319 |
| Net interest margin | 3.2834% | 4,670 |
| Noninterest income to average assets | 0.5977% | 2,887 |
| Noninterest expense to average assets | 3.0504% | 2,636 |
| Loan and lease loss provision to assets | 0.1397% | 1,788 |
| Net operating income to assets | 0.3851% | 5,301 |
| Return on assets (ROA) | 0.3932% | 5,350 |
| Pretax return on assets | 0.4494% | 5,467 |
| Return on Equity (ROE) | 4.1486% | 5,114 |
| Retained earnings to average equity (ytd only) | 4.1486% | 3,704 |
| Net charge-offs to loans | 0.0507% | 3,489 |
| Credit loss provision to net charge-offs | 353.9326% | 797 |
| Earnings coverage of net charge-offs (x) | 14.6855% | 2,124 |
| Efficiency ratio | 83.9082% | 1,397 |
| Assets per employee ($millions) | 5.2031% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 4,698 |
| Loan loss allowance to noncurrent loans | 133.8478% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 3,752 |
| Noncurrent loans to loans | 0.8300% | 3,498 |
| Net loans and leases to total assets | 76.3432% | 1,175 |
| Net loans and leases to deposits | 104.9674% | 366 |
| Net loans and leases to core deposits | 115.0115% | 551 |
| Total domestic deposits to total assets | 72.7304% | 6,111 |
| Equity capital to assets | 8.1563% | 6,037 |
| Core capital (leverage) ratio | 7.3426% | 6,319 |
| Tier 1 risk-based capital ratio | 10.1702% | 6,304 |
| Total risk-based capital ratio | 11.3689% | 6,284 |
| Memoranda: | ||
| Average total assets | $1,202,128,750 | 557 |
| Average earning assets | $1,110,276,000 | 550 |
| Average equity | $113,932,500 | 633 |
| Average total loans | $935,865,500 | 475 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7925% | 4,555 |
| Cost of funding earning assets | 0.4594% | 3,222 |
| Net interest margin | 3.3332% | 4,457 |
| Noninterest income to average assets | 0.5278% | 3,286 |
| Noninterest expense to average assets | 3.1021% | 2,488 |
| Loan and lease loss provision to assets | 0.1215% | 2,021 |
| Net operating income to assets | 0.3588% | 5,377 |
| Return on assets (ROA) | 0.3694% | 5,402 |
| Pretax return on assets | 0.4031% | 5,551 |
| Return on Equity (ROE) | 3.6818% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.6818% | 3,848 |
| Net charge-offs to loans | 0.1398% | 2,270 |
| Credit loss provision to net charge-offs | 111.2013% | 1,802 |
| Earnings coverage of net charge-offs (x) | 4.6964% | 3,060 |
| Efficiency ratio | 85.8068% | 1,286 |
| Assets per employee ($millions) | 4.4373% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 4,016 |
| Loan loss allowance to noncurrent loans | 203.1746% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 4,463 |
| Noncurrent loans to loans | 0.6259% | 4,148 |
| Net loans and leases to total assets | 77.2494% | 1,016 |
| Net loans and leases to deposits | 113.1092% | 147 |
| Net loans and leases to core deposits | 121.5043% | 344 |
| Total domestic deposits to total assets | 68.2963% | 6,412 |
| Equity capital to assets | 10.0416% | 4,046 |
| Core capital (leverage) ratio | 9.8167% | 3,864 |
| Tier 1 risk-based capital ratio | 13.7403% | 4,420 |
| Total risk-based capital ratio | 14.9922% | 4,367 |
| Memoranda: | ||
| Average total assets | $1,127,625,670 | 595 |
| Average earning assets | $1,044,472,670 | 584 |
| Average equity | $113,150,330 | 631 |
| Average total loans | $880,952,330 | 497 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7827% | 4,562 |
| Cost of funding earning assets | 0.4630% | 3,285 |
| Net interest margin | 3.3198% | 4,459 |
| Noninterest income to average assets | 0.5015% | 3,396 |
| Noninterest expense to average assets | 3.0441% | 2,718 |
| Loan and lease loss provision to assets | 0.0393% | 3,288 |
| Net operating income to assets | 0.4318% | 5,005 |
| Return on assets (ROA) | 0.4318% | 5,066 |
| Pretax return on assets | 0.4990% | 5,172 |
| Return on Equity (ROE) | 4.3048% | 4,883 |
| Retained earnings to average equity (ytd only) | 4.3048% | 3,547 |
| Net charge-offs to loans | 0.2628% | 1,290 |
| Credit loss provision to net charge-offs | 19.1638% | 2,514 |
| Earnings coverage of net charge-offs (x) | 2.6237% | 2,836 |
| Efficiency ratio | 84.9731% | 1,547 |
| Assets per employee ($millions) | 4.3894% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 4,432 |
| Loan loss allowance to noncurrent loans | 290.5807% | 1,527 |
| Noncurrent assets plus other real estate owned to assets | 0.3832% | 5,010 |
| Noncurrent loans to loans | 0.4273% | 4,862 |
| Net loans and leases to total assets | 77.1631% | 860 |
| Net loans and leases to deposits | 109.9673% | 153 |
| Net loans and leases to core deposits | 118.9964% | 342 |
| Total domestic deposits to total assets | 70.1691% | 6,446 |
| Equity capital to assets | 10.1201% | 3,697 |
| Core capital (leverage) ratio | 9.9511% | 3,634 |
| Tier 1 risk-based capital ratio | 13.7926% | 4,475 |
| Total risk-based capital ratio | 15.0438% | 4,428 |
| Memoranda: | ||
| Average total assets | $1,119,027,000 | 605 |
| Average earning assets | $1,038,505,500 | 591 |
| Average equity | $112,246,500 | 634 |
| Average total loans | $873,548,000 | 497 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,735 |
| Cost of funding earning assets | 0.5250% | 3,351 |
| Net interest margin | 3.2962% | 4,681 |
| Noninterest income to average assets | 0.5916% | 3,138 |
| Noninterest expense to average assets | 3.0963% | 2,743 |
| Loan and lease loss provision to assets | 0.2452% | 1,473 |
| Net operating income to assets | 0.3250% | 5,436 |
| Return on assets (ROA) | 0.3550% | 5,431 |
| Pretax return on assets | 0.3383% | 5,631 |
| Return on Equity (ROE) | 3.5673% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.5673% | 3,677 |
| Net charge-offs to loans | 0.1789% | 3,032 |
| Credit loss provision to net charge-offs | 179.9050% | 1,275 |
| Earnings coverage of net charge-offs (x) | 4.0604% | 3,683 |
| Efficiency ratio | 84.8367% | 1,537 |
| Assets per employee ($millions) | 4.3701% | 3,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2977% | 4,156 |
| Loan loss allowance to noncurrent loans | 321.3110% | 1,388 |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 5,230 |
| Noncurrent loans to loans | 0.4039% | 4,996 |
| Net loans and leases to total assets | 76.9810% | 957 |
| Net loans and leases to deposits | 110.7925% | 162 |
| Net loans and leases to core deposits | 119.8727% | 333 |
| Total domestic deposits to total assets | 69.4821% | 6,542 |
| Equity capital to assets | 9.9413% | 3,849 |
| Core capital (leverage) ratio | 9.8356% | 3,798 |
| Tier 1 risk-based capital ratio | 13.5353% | 4,629 |
| Total risk-based capital ratio | 14.7871% | 4,574 |
| Memoranda: | ||
| Average total assets | $1,080,751,800 | 609 |
| Average earning assets | $1,002,661,600 | 597 |
| Average equity | $107,560,800 | 658 |
| Average total loans | $823,190,000 | 506 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 4,794 |
| Cost of funding earning assets | 0.5395% | 3,366 |
| Net interest margin | 3.2759% | 4,726 |
| Noninterest income to average assets | 0.5786% | 3,276 |
| Noninterest expense to average assets | 3.0470% | 2,826 |
| Loan and lease loss provision to assets | 0.2751% | 1,270 |
| Net operating income to assets | 0.3216% | 5,534 |
| Return on assets (ROA) | 0.3377% | 5,603 |
| Pretax return on assets | 0.3108% | 5,846 |
| Return on Equity (ROE) | 3.3918% | 5,474 |
| Retained earnings to average equity (ytd only) | 3.3918% | 4,272 |
| Net charge-offs to loans | 0.1939% | 2,681 |
| Credit loss provision to net charge-offs | 187.4470% | 1,288 |
| Earnings coverage of net charge-offs (x) | 3.8830% | 3,590 |
| Efficiency ratio | 84.2458% | 1,563 |
| Assets per employee ($millions) | 4.3627% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 4,357 |
| Loan loss allowance to noncurrent loans | 247.6074% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 5,077 |
| Noncurrent loans to loans | 0.5273% | 4,877 |
| Net loans and leases to total assets | 75.9417% | 1,011 |
| Net loans and leases to deposits | 108.6358% | 176 |
| Net loans and leases to core deposits | 115.4828% | 411 |
| Total domestic deposits to total assets | 69.9049% | 6,602 |
| Equity capital to assets | 9.5449% | 4,496 |
| Core capital (leverage) ratio | 9.7989% | 3,959 |
| Tier 1 risk-based capital ratio | 13.4028% | 4,836 |
| Total risk-based capital ratio | 14.6544% | 4,775 |
| Memoranda: | ||
| Average total assets | $1,071,250,500 | 619 |
| Average earning assets | $993,507,250 | 603 |
| Average equity | $106,646,250 | 671 |
| Average total loans | $810,849,250 | 515 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8323% | 4,724 |
| Cost of funding earning assets | 0.5600% | 3,314 |
| Net interest margin | 3.2724% | 4,678 |
| Noninterest income to average assets | 0.5887% | 3,263 |
| Noninterest expense to average assets | 3.0519% | 2,830 |
| Loan and lease loss provision to assets | 0.2572% | 1,440 |
| Net operating income to assets | 0.3336% | 5,474 |
| Return on assets (ROA) | 0.3556% | 5,564 |
| Pretax return on assets | 0.3387% | 5,776 |
| Return on Equity (ROE) | 3.5206% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.5206% | 4,082 |
| Net charge-offs to loans | 0.2900% | 2,031 |
| Credit loss provision to net charge-offs | 117.8510% | 1,883 |
| Earnings coverage of net charge-offs (x) | 2.6300% | 3,647 |
| Efficiency ratio | 84.1696% | 1,616 |
| Assets per employee ($millions) | 4.0202% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 4,606 |
| Loan loss allowance to noncurrent loans | 628.1553% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 5,857 |
| Noncurrent loans to loans | 0.2037% | 5,799 |
| Net loans and leases to total assets | 74.9698% | 1,110 |
| Net loans and leases to deposits | 105.1046% | 246 |
| Net loans and leases to core deposits | 110.2658% | 556 |
| Total domestic deposits to total assets | 71.3287% | 6,599 |
| Equity capital to assets | 10.0122% | 3,901 |
| Core capital (leverage) ratio | 10.1302% | 3,320 |
| Tier 1 risk-based capital ratio | 13.9957% | 4,433 |
| Total risk-based capital ratio | 15.2467% | 4,390 |
| Memoranda: | ||
| Average total assets | $1,057,506,330 | 627 |
| Average earning assets | $981,486,670 | 613 |
| Average equity | $106,800,000 | 670 |
| Average total loans | $795,793,670 | 520 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 4,593 |
| Cost of funding earning assets | 0.5937% | 3,166 |
| Net interest margin | 3.2748% | 4,617 |
| Noninterest income to average assets | 0.5983% | 3,150 |
| Noninterest expense to average assets | 3.1363% | 2,556 |
| Loan and lease loss provision to assets | 0.0702% | 3,458 |
| Net operating income to assets | 0.4040% | 5,115 |
| Return on assets (ROA) | 0.4343% | 5,142 |
| Pretax return on assets | 0.4651% | 5,377 |
| Return on Equity (ROE) | 4.2819% | 4,958 |
| Retained earnings to average equity (ytd only) | 4.2819% | 3,660 |
| Net charge-offs to loans | 0.0679% | 3,153 |
| Credit loss provision to net charge-offs | 138.0597% | 1,450 |
| Earnings coverage of net charge-offs (x) | 9.8806% | 1,796 |
| Efficiency ratio | 86.1868% | 1,489 |
| Assets per employee ($millions) | 4.0852% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2980% | 4,709 |
| Loan loss allowance to noncurrent loans | 405.9315% | 1,017 |
| Noncurrent assets plus other real estate owned to assets | 0.3169% | 5,627 |
| Noncurrent loans to loans | 0.3197% | 5,597 |
| Net loans and leases to total assets | 74.7294% | 986 |
| Net loans and leases to deposits | 102.5791% | 266 |
| Net loans and leases to core deposits | 107.5198% | 580 |
| Total domestic deposits to total assets | 72.8505% | 6,613 |
| Equity capital to assets | 10.3201% | 3,774 |
| Core capital (leverage) ratio | 10.3476% | 2,972 |
| Tier 1 risk-based capital ratio | 14.5176% | 4,160 |
| Total risk-based capital ratio | 15.7692% | 4,128 |
| Memoranda: | ||
| Average total assets | $1,053,582,000 | 637 |
| Average earning assets | $978,256,000 | 623 |
| Average equity | $106,867,500 | 677 |
| Average total loans | $789,167,500 | 524 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2126% | 4,538 |
| Cost of funding earning assets | 0.7354% | 3,204 |
| Net interest margin | 3.4773% | 4,594 |
| Noninterest income to average assets | 0.6825% | 2,820 |
| Noninterest expense to average assets | 3.0482% | 3,099 |
| Loan and lease loss provision to assets | 0.0941% | 4,491 |
| Net operating income to assets | 0.6386% | 4,045 |
| Return on assets (ROA) | 0.6571% | 4,225 |
| Pretax return on assets | 0.7795% | 4,366 |
| Return on Equity (ROE) | 6.5970% | 3,859 |
| Retained earnings to average equity (ytd only) | 6.5970% | 1,765 |
| Net charge-offs to loans | 0.1968% | 3,804 |
| Credit loss provision to net charge-offs | 63.4353% | 4,361 |
| Earnings coverage of net charge-offs (x) | 5.7391% | 2,964 |
| Efficiency ratio | 78.1631% | 2,422 |
| Assets per employee ($millions) | 4.2611% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 4,741 |
| Loan loss allowance to noncurrent loans | 313.6321% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3517% | 5,633 |
| Noncurrent loans to loans | 0.4081% | 5,464 |
| Net loans and leases to total assets | 73.1699% | 1,311 |
| Net loans and leases to deposits | 101.1591% | 366 |
| Net loans and leases to core deposits | 107.6847% | 621 |
| Total domestic deposits to total assets | 72.3315% | 6,673 |
| Equity capital to assets | 9.9717% | 4,207 |
| Core capital (leverage) ratio | 9.9424% | 3,477 |
| Tier 1 risk-based capital ratio | 14.6127% | 3,956 |
| Total risk-based capital ratio | 15.8645% | 3,910 |
| Memoranda: | ||
| Average total assets | $1,035,823,400 | 642 |
| Average earning assets | $958,399,200 | 621 |
| Average equity | $103,168,800 | 688 |
| Average total loans | $780,833,600 | 524 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2885% | 4,492 |
| Cost of funding earning assets | 0.7662% | 3,227 |
| Net interest margin | 3.5223% | 4,554 |
| Noninterest income to average assets | 0.6010% | 3,262 |
| Noninterest expense to average assets | 3.0314% | 3,121 |
| Loan and lease loss provision to assets | 0.1168% | 4,094 |
| Net operating income to assets | 0.6098% | 4,347 |
| Return on assets (ROA) | 0.6346% | 4,469 |
| Pretax return on assets | 0.7385% | 4,709 |
| Return on Equity (ROE) | 6.3733% | 4,127 |
| Retained earnings to average equity (ytd only) | 6.3733% | 2,445 |
| Net charge-offs to loans | 0.1510% | 3,900 |
| Credit loss provision to net charge-offs | 102.1566% | 2,882 |
| Earnings coverage of net charge-offs (x) | 7.2293% | 2,633 |
| Efficiency ratio | 78.5758% | 2,302 |
| Assets per employee ($millions) | 4.2865% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 4,606 |
| Loan loss allowance to noncurrent loans | 244.0728% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 5,501 |
| Noncurrent loans to loans | 0.5512% | 5,341 |
| Net loans and leases to total assets | 74.2998% | 1,203 |
| Net loans and leases to deposits | 105.9180% | 239 |
| Net loans and leases to core deposits | 111.9467% | 498 |
| Total domestic deposits to total assets | 70.1484% | 6,833 |
| Equity capital to assets | 9.9564% | 4,557 |
| Core capital (leverage) ratio | 9.8723% | 3,726 |
| Tier 1 risk-based capital ratio | 14.3112% | 4,324 |
| Total risk-based capital ratio | 15.5641% | 4,289 |
| Memoranda: | ||
| Average total assets | $1,027,396,750 | 650 |
| Average earning assets | $949,990,250 | 629 |
| Average equity | $102,298,500 | 698 |
| Average total loans | $777,862,000 | 519 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 4,392 |
| Cost of funding earning assets | 0.7865% | 3,309 |
| Net interest margin | 3.5592% | 4,417 |
| Noninterest income to average assets | 0.5469% | 3,600 |
| Noninterest expense to average assets | 3.0513% | 3,076 |
| Loan and lease loss provision to assets | 0.1524% | 3,619 |
| Net operating income to assets | 0.5539% | 4,565 |
| Return on assets (ROA) | 0.5920% | 4,665 |
| Pretax return on assets | 0.6704% | 4,910 |
| Return on Equity (ROE) | 5.9451% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.9451% | 2,743 |
| Net charge-offs to loans | 0.0617% | 4,557 |
| Credit loss provision to net charge-offs | 325.6303% | 911 |
| Earnings coverage of net charge-offs (x) | 16.6555% | 1,579 |
| Efficiency ratio | 79.6499% | 2,245 |
| Assets per employee ($millions) | 4.3035% | 3,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4099% | 4,421 |
| Loan loss allowance to noncurrent loans | 182.9050% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.6465% | 5,162 |
| Noncurrent loans to loans | 0.7708% | 4,965 |
| Net loans and leases to total assets | 75.1946% | 1,080 |
| Net loans and leases to deposits | 106.0478% | 233 |
| Net loans and leases to core deposits | 111.5140% | 522 |
| Total domestic deposits to total assets | 70.9063% | 6,860 |
| Equity capital to assets | 9.8477% | 4,551 |
| Core capital (leverage) ratio | 9.8074% | 3,708 |
| Tier 1 risk-based capital ratio | 14.1587% | 4,332 |
| Total risk-based capital ratio | 15.4125% | 4,297 |
| Memoranda: | ||
| Average total assets | $1,016,943,000 | 654 |
| Average earning assets | $938,303,670 | 640 |
| Average equity | $101,260,000 | 704 |
| Average total loans | $771,355,330 | 521 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4058% | 4,307 |
| Cost of funding earning assets | 0.8089% | 3,401 |
| Net interest margin | 3.5970% | 4,284 |
| Noninterest income to average assets | 0.6001% | 3,233 |
| Noninterest expense to average assets | 3.1943% | 2,618 |
| Loan and lease loss provision to assets | 0.1297% | 3,725 |
| Net operating income to assets | 0.5275% | 4,699 |
| Return on assets (ROA) | 0.6057% | 4,536 |
| Pretax return on assets | 0.6835% | 4,848 |
| Return on Equity (ROE) | 6.0479% | 4,266 |
| Retained earnings to average equity (ytd only) | 6.0479% | 2,931 |
| Net charge-offs to loans | 0.0153% | 4,472 |
| Credit loss provision to net charge-offs | 1,120.6897% | 311 |
| Earnings coverage of net charge-offs (x) | 62.6897% | 535 |
| Efficiency ratio | 81.4943% | 2,004 |
| Assets per employee ($millions) | 4.2090% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4236% | 4,501 |
| Loan loss allowance to noncurrent loans | 185.1279% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6717% | 5,221 |
| Noncurrent loans to loans | 0.7690% | 5,124 |
| Net loans and leases to total assets | 75.1153% | 906 |
| Net loans and leases to deposits | 104.0728% | 250 |
| Net loans and leases to core deposits | 110.0820% | 533 |
| Total domestic deposits to total assets | 72.1758% | 6,868 |
| Equity capital to assets | 9.9777% | 4,144 |
| Core capital (leverage) ratio | 9.9600% | 3,409 |
| Tier 1 risk-based capital ratio | 14.3248% | 4,224 |
| Total risk-based capital ratio | 15.5787% | 4,193 |
| Memoranda: | ||
| Average total assets | $1,002,536,500 | 665 |
| Average earning assets | $925,224,500 | 652 |
| Average equity | $100,398,500 | 712 |
| Average total loans | $758,234,500 | 532 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5350% | 4,934 |
| Cost of funding earning assets | 0.9598% | 3,650 |
| Net interest margin | 3.5753% | 4,824 |
| Noninterest income to average assets | 0.6808% | 2,716 |
| Noninterest expense to average assets | 3.0047% | 3,574 |
| Loan and lease loss provision to assets | 0.1465% | 4,780 |
| Net operating income to assets | 0.6804% | 3,577 |
| Return on assets (ROA) | 0.7290% | 3,514 |
| Pretax return on assets | 0.8887% | 3,644 |
| Return on Equity (ROE) | 7.4182% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.4182% | 1,305 |
| Net charge-offs to loans | 0.1043% | 5,315 |
| Credit loss provision to net charge-offs | 190.3947% | 1,344 |
| Earnings coverage of net charge-offs (x) | 12.6855% | 1,600 |
| Efficiency ratio | 72.8341% | 3,423 |
| Assets per employee ($millions) | 4.0770% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,450 |
| Loan loss allowance to noncurrent loans | 141.7884% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6993% | 5,243 |
| Noncurrent loans to loans | 0.8378% | 5,012 |
| Net loans and leases to total assets | 74.1580% | 1,250 |
| Net loans and leases to deposits | 102.0871% | 371 |
| Net loans and leases to core deposits | 108.6555% | 669 |
| Total domestic deposits to total assets | 72.6419% | 6,837 |
| Equity capital to assets | 10.0520% | 4,103 |
| Core capital (leverage) ratio | 10.0460% | 3,278 |
| Tier 1 risk-based capital ratio | 14.6387% | 3,873 |
| Total risk-based capital ratio | 15.8893% | 3,851 |
| Memoranda: | ||
| Average total assets | $987,914,200 | 664 |
| Average earning assets | $911,793,400 | 652 |
| Average equity | $97,085,400 | 707 |
| Average total loans | $728,573,400 | 566 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5631% | 5,024 |
| Cost of funding earning assets | 0.9920% | 3,738 |
| Net interest margin | 3.5711% | 4,895 |
| Noninterest income to average assets | 0.6379% | 2,948 |
| Noninterest expense to average assets | 2.9202% | 3,836 |
| Loan and lease loss provision to assets | 0.1384% | 4,708 |
| Net operating income to assets | 0.7197% | 3,508 |
| Return on assets (ROA) | 0.7475% | 3,556 |
| Pretax return on assets | 0.9095% | 3,724 |
| Return on Equity (ROE) | 7.6506% | 3,200 |
| Retained earnings to average equity (ytd only) | 7.6506% | 1,645 |
| Net charge-offs to loans | 0.0522% | 5,453 |
| Credit loss provision to net charge-offs | 360.9155% | 788 |
| Earnings coverage of net charge-offs (x) | 26.4364% | 1,018 |
| Efficiency ratio | 71.5345% | 3,650 |
| Assets per employee ($millions) | 4.2191% | 3,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 5,486 |
| Loan loss allowance to noncurrent loans | 164.4152% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.6385% | 5,543 |
| Noncurrent loans to loans | 0.7268% | 5,422 |
| Net loans and leases to total assets | 73.1597% | 1,476 |
| Net loans and leases to deposits | 99.8885% | 477 |
| Net loans and leases to core deposits | 105.9329% | 870 |
| Total domestic deposits to total assets | 73.2413% | 6,831 |
| Equity capital to assets | 9.9512% | 4,405 |
| Core capital (leverage) ratio | 9.7646% | 3,749 |
| Tier 1 risk-based capital ratio | 14.3282% | 4,107 |
| Total risk-based capital ratio | 15.5788% | 4,068 |
| Memoranda: | ||
| Average total assets | $987,216,250 | 670 |
| Average earning assets | $911,265,750 | 661 |
| Average equity | $96,460,250 | 716 |
| Average total loans | $724,836,750 | 576 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 5,007 |
| Cost of funding earning assets | 1.0328% | 3,723 |
| Net interest margin | 3.5572% | 4,897 |
| Noninterest income to average assets | 0.6117% | 3,057 |
| Noninterest expense to average assets | 3.0492% | 3,436 |
| Loan and lease loss provision to assets | 0.1579% | 4,344 |
| Net operating income to assets | 0.6074% | 4,026 |
| Return on assets (ROA) | 0.6058% | 4,170 |
| Pretax return on assets | 0.6848% | 4,440 |
| Return on Equity (ROE) | 6.2389% | 3,828 |
| Retained earnings to average equity (ytd only) | 6.2389% | 2,269 |
| Net charge-offs to loans | 0.0765% | 4,876 |
| Credit loss provision to net charge-offs | 281.8182% | 1,084 |
| Earnings coverage of net charge-offs (x) | 15.0727% | 1,430 |
| Efficiency ratio | 75.5311% | 3,099 |
| Assets per employee ($millions) | 3.9962% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,621 |
| Loan loss allowance to noncurrent loans | 200.1621% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.5985% | 5,724 |
| Noncurrent loans to loans | 0.5908% | 5,746 |
| Net loans and leases to total assets | 73.7655% | 1,464 |
| Net loans and leases to deposits | 100.2308% | 484 |
| Net loans and leases to core deposits | 105.6108% | 950 |
| Total domestic deposits to total assets | 73.5957% | 6,879 |
| Equity capital to assets | 9.9411% | 4,234 |
| Core capital (leverage) ratio | 9.7525% | 3,593 |
| Tier 1 risk-based capital ratio | 14.1801% | 4,032 |
| Total risk-based capital ratio | 15.4306% | 4,003 |
| Memoranda: | ||
| Average total assets | $981,573,000 | 683 |
| Average earning assets | $905,664,330 | 669 |
| Average equity | $95,305,330 | 720 |
| Average total loans | $718,610,670 | 588 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5297% | 5,241 |
| Cost of funding earning assets | 1.0840% | 3,634 |
| Net interest margin | 3.4457% | 5,243 |
| Noninterest income to average assets | 0.5812% | 3,302 |
| Noninterest expense to average assets | 3.1472% | 3,080 |
| Loan and lease loss provision to assets | 0.1628% | 4,001 |
| Net operating income to assets | 0.4575% | 4,676 |
| Return on assets (ROA) | 0.4538% | 4,787 |
| Pretax return on assets | 0.4501% | 5,187 |
| Return on Equity (ROE) | 4.7299% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.7299% | 3,362 |
| Net charge-offs to loans | 0.1229% | 3,793 |
| Credit loss provision to net charge-offs | 182.6484% | 1,601 |
| Earnings coverage of net charge-offs (x) | 6.9178% | 2,029 |
| Efficiency ratio | 80.5255% | 2,435 |
| Assets per employee ($millions) | 3.9903% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1640% | 5,787 |
| Loan loss allowance to noncurrent loans | 197.3684% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 5,637 |
| Noncurrent loans to loans | 0.5898% | 5,847 |
| Net loans and leases to total assets | 73.2001% | 1,482 |
| Net loans and leases to deposits | 99.5018% | 498 |
| Net loans and leases to core deposits | 105.1474% | 986 |
| Total domestic deposits to total assets | 73.5666% | 6,943 |
| Equity capital to assets | 9.8160% | 4,017 |
| Core capital (leverage) ratio | 9.6841% | 3,550 |
| Tier 1 risk-based capital ratio | 14.1366% | 3,981 |
| Total risk-based capital ratio | 15.3867% | 3,952 |
| Memoranda: | ||
| Average total assets | $982,828,000 | 685 |
| Average earning assets | $907,788,000 | 669 |
| Average equity | $94,293,000 | 721 |
| Average total loans | $712,489,000 | 599 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8173% | 5,357 |
| Cost of funding earning assets | 1.2861% | 3,975 |
| Net interest margin | 3.5312% | 5,107 |
| Noninterest income to average assets | 0.7791% | 2,382 |
| Noninterest expense to average assets | 3.0932% | 3,485 |
| Loan and lease loss provision to assets | 0.1683% | 5,537 |
| Net operating income to assets | 0.5897% | 3,719 |
| Return on assets (ROA) | 0.6976% | 3,366 |
| Pretax return on assets | 0.9198% | 3,200 |
| Return on Equity (ROE) | 7.2711% | 2,994 |
| Retained earnings to average equity (ytd only) | 7.2711% | 1,215 |
| Net charge-offs to loans | 0.3680% | 4,190 |
| Credit loss provision to net charge-offs | 63.8213% | 6,012 |
| Earnings coverage of net charge-offs (x) | 3.5872% | 3,296 |
| Efficiency ratio | 73.8513% | 3,425 |
| Assets per employee ($millions) | 4.0650% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 5,747 |
| Loan loss allowance to noncurrent loans | 234.4947% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4513% | 6,155 |
| Noncurrent loans to loans | 0.4893% | 6,058 |
| Net loans and leases to total assets | 70.1647% | 2,504 |
| Net loans and leases to deposits | 97.7843% | 736 |
| Net loans and leases to core deposits | 103.7014% | 1,330 |
| Total domestic deposits to total assets | 71.7546% | 7,103 |
| Equity capital to assets | 9.3797% | 4,569 |
| Core capital (leverage) ratio | 9.2408% | 4,106 |
| Tier 1 risk-based capital ratio | 14.0065% | 3,869 |
| Total risk-based capital ratio | 15.2442% | 3,841 |
| Memoranda: | ||
| Average total assets | $950,443,400 | 705 |
| Average earning assets | $877,526,400 | 691 |
| Average equity | $91,183,400 | 733 |
| Average total loans | $681,279,000 | 647 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 5,312 |
| Cost of funding earning assets | 1.3262% | 4,065 |
| Net interest margin | 3.5639% | 5,044 |
| Noninterest income to average assets | 0.7428% | 2,565 |
| Noninterest expense to average assets | 3.0115% | 3,701 |
| Loan and lease loss provision to assets | 0.1279% | 5,744 |
| Net operating income to assets | 0.6647% | 3,579 |
| Return on assets (ROA) | 0.8085% | 3,111 |
| Pretax return on assets | 1.0829% | 2,887 |
| Return on Equity (ROE) | 8.3771% | 2,758 |
| Retained earnings to average equity (ytd only) | 8.3771% | 1,283 |
| Net charge-offs to loans | 0.4128% | 3,642 |
| Credit loss provision to net charge-offs | 43.1241% | 5,977 |
| Earnings coverage of net charge-offs (x) | 3.4355% | 3,454 |
| Efficiency ratio | 71.9233% | 3,715 |
| Assets per employee ($millions) | 3.9890% | 3,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1225% | 5,844 |
| Loan loss allowance to noncurrent loans | 131.3837% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 5,728 |
| Noncurrent loans to loans | 0.8544% | 5,513 |
| Net loans and leases to total assets | 70.5762% | 2,598 |
| Net loans and leases to deposits | 98.6391% | 751 |
| Net loans and leases to core deposits | 103.8580% | 1,496 |
| Total domestic deposits to total assets | 71.5499% | 7,177 |
| Equity capital to assets | 9.4923% | 4,858 |
| Core capital (leverage) ratio | 9.3276% | 4,170 |
| Tier 1 risk-based capital ratio | 14.1224% | 3,743 |
| Total risk-based capital ratio | 15.3394% | 3,742 |
| Memoranda: | ||
| Average total assets | $938,054,750 | 714 |
| Average earning assets | $865,397,000 | 694 |
| Average equity | $90,530,000 | 734 |
| Average total loans | $674,151,250 | 648 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 5,175 |
| Cost of funding earning assets | 1.3526% | 4,178 |
| Net interest margin | 3.5981% | 4,818 |
| Noninterest income to average assets | 0.7237% | 2,556 |
| Noninterest expense to average assets | 2.9137% | 4,025 |
| Loan and lease loss provision to assets | 0.1083% | 5,831 |
| Net operating income to assets | 0.7584% | 3,154 |
| Return on assets (ROA) | 0.7791% | 3,214 |
| Pretax return on assets | 1.0474% | 2,949 |
| Return on Equity (ROE) | 8.0261% | 2,875 |
| Retained earnings to average equity (ytd only) | 8.0261% | 1,429 |
| Net charge-offs to loans | 0.5813% | 2,792 |
| Credit loss provision to net charge-offs | 25.8532% | 5,793 |
| Earnings coverage of net charge-offs (x) | 2.6929% | 3,646 |
| Efficiency ratio | 69.1706% | 4,340 |
| Assets per employee ($millions) | 3.8500% | 4,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1193% | 5,852 |
| Loan loss allowance to noncurrent loans | 133.0538% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6890% | 5,772 |
| Noncurrent loans to loans | 0.8413% | 5,596 |
| Net loans and leases to total assets | 70.7490% | 2,727 |
| Net loans and leases to deposits | 96.7090% | 987 |
| Net loans and leases to core deposits | 100.8171% | 1,935 |
| Total domestic deposits to total assets | 73.1566% | 7,078 |
| Equity capital to assets | 9.6431% | 4,479 |
| Core capital (leverage) ratio | 9.4161% | 3,938 |
| Tier 1 risk-based capital ratio | 14.0846% | 3,672 |
| Total risk-based capital ratio | 15.2880% | 3,672 |
| Memoranda: | ||
| Average total assets | $923,645,330 | 724 |
| Average earning assets | $851,669,670 | 706 |
| Average equity | $89,658,000 | 726 |
| Average total loans | $665,397,000 | 659 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 4,901 |
| Cost of funding earning assets | 1.3824% | 4,288 |
| Net interest margin | 3.6438% | 4,524 |
| Noninterest income to average assets | 0.6580% | 2,890 |
| Noninterest expense to average assets | 3.1539% | 3,038 |
| Loan and lease loss provision to assets | 0.0879% | 5,757 |
| Net operating income to assets | 0.5892% | 3,939 |
| Return on assets (ROA) | 0.6119% | 3,991 |
| Pretax return on assets | 0.8084% | 3,831 |
| Return on Equity (ROE) | 6.2818% | 3,737 |
| Retained earnings to average equity (ytd only) | 6.2818% | 2,479 |
| Net charge-offs to loans | 1.1187% | 1,506 |
| Credit loss provision to net charge-offs | 10.8696% | 5,035 |
| Earnings coverage of net charge-offs (x) | 1.0712% | 4,122 |
| Efficiency ratio | 75.4209% | 3,321 |
| Assets per employee ($millions) | 3.7411% | 4,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,907 |
| Loan loss allowance to noncurrent loans | 135.4909% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6929% | 5,786 |
| Noncurrent loans to loans | 0.8276% | 5,655 |
| Net loans and leases to total assets | 71.8789% | 2,481 |
| Net loans and leases to deposits | 99.4478% | 793 |
| Net loans and leases to core deposits | 101.9212% | 1,917 |
| Total domestic deposits to total assets | 72.2780% | 7,238 |
| Equity capital to assets | 9.8046% | 4,101 |
| Core capital (leverage) ratio | 9.6016% | 3,642 |
| Tier 1 risk-based capital ratio | 14.1618% | 3,556 |
| Total risk-based capital ratio | 15.3689% | 3,547 |
| Memoranda: | ||
| Average total assets | $909,992,000 | 751 |
| Average earning assets | $839,681,000 | 733 |
| Average equity | $88,636,500 | 740 |
| Average total loans | $657,893,000 | 687 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3470% | 4,950 |
| Cost of funding earning assets | 1.6425% | 4,834 |
| Net interest margin | 3.7045% | 4,125 |
| Noninterest income to average assets | 0.8761% | 2,045 |
| Noninterest expense to average assets | 3.3461% | 2,849 |
| Loan and lease loss provision to assets | 0.2214% | 5,592 |
| Net operating income to assets | 0.5891% | 3,366 |
| Return on assets (ROA) | 0.6725% | 3,101 |
| Pretax return on assets | 0.8387% | 3,119 |
| Return on Equity (ROE) | 6.9381% | 2,812 |
| Retained earnings to average equity (ytd only) | 6.9381% | 984 |
| Net charge-offs to loans | 0.1317% | 5,884 |
| Credit loss provision to net charge-offs | 228.6223% | 1,614 |
| Earnings coverage of net charge-offs (x) | 9.8705% | 1,744 |
| Efficiency ratio | 74.6444% | 3,773 |
| Assets per employee ($millions) | 3.7332% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 4,213 |
| Loan loss allowance to noncurrent loans | 149.5692% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7619% | 5,578 |
| Noncurrent loans to loans | 0.9392% | 5,435 |
| Net loans and leases to total assets | 70.8899% | 3,034 |
| Net loans and leases to deposits | 101.4109% | 796 |
| Net loans and leases to core deposits | 113.3567% | 2,556 |
| Total domestic deposits to total assets | 69.9036% | 7,436 |
| Equity capital to assets | 9.6763% | 4,171 |
| Core capital (leverage) ratio | 9.4356% | 3,795 |
| Tier 1 risk-based capital ratio | 14.0454% | 3,471 |
| Total risk-based capital ratio | 15.2985% | 3,422 |
| Memoranda: | ||
| Average total assets | $869,453,400 | 780 |
| Average earning assets | $804,079,000 | 758 |
| Average equity | $84,274,200 | 760 |
| Average total loans | $639,390,800 | 733 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 4,984 |
| Cost of funding earning assets | 1.6994% | 4,902 |
| Net interest margin | 3.6927% | 4,105 |
| Noninterest income to average assets | 0.8825% | 2,048 |
| Noninterest expense to average assets | 3.3307% | 2,806 |
| Loan and lease loss provision to assets | 0.1940% | 5,445 |
| Net operating income to assets | 0.5760% | 3,701 |
| Return on assets (ROA) | 0.6684% | 3,381 |
| Pretax return on assets | 0.8981% | 3,232 |
| Return on Equity (ROE) | 6.8932% | 3,121 |
| Retained earnings to average equity (ytd only) | 6.8932% | 1,548 |
| Net charge-offs to loans | 0.1542% | 5,176 |
| Credit loss provision to net charge-offs | 170.0680% | 2,740 |
| Earnings coverage of net charge-offs (x) | 8.4789% | 2,235 |
| Efficiency ratio | 74.3545% | 3,809 |
| Assets per employee ($millions) | 3.6840% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 4,333 |
| Loan loss allowance to noncurrent loans | 193.8033% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 5,899 |
| Noncurrent loans to loans | 0.6851% | 5,930 |
| Net loans and leases to total assets | 71.3655% | 3,185 |
| Net loans and leases to deposits | 101.1978% | 993 |
| Net loans and leases to core deposits | 113.4660% | 2,884 |
| Total domestic deposits to total assets | 70.5208% | 7,377 |
| Equity capital to assets | 9.5974% | 4,623 |
| Core capital (leverage) ratio | 9.3851% | 4,068 |
| Tier 1 risk-based capital ratio | 14.0445% | 3,524 |
| Total risk-based capital ratio | 15.2970% | 3,472 |
| Memoranda: | ||
| Average total assets | $859,090,000 | 801 |
| Average earning assets | $794,592,500 | 779 |
| Average equity | $83,307,250 | 787 |
| Average total loans | $635,503,250 | 752 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4635% | 4,825 |
| Cost of funding earning assets | 1.7585% | 4,956 |
| Net interest margin | 3.7050% | 3,929 |
| Noninterest income to average assets | 0.8829% | 2,052 |
| Noninterest expense to average assets | 3.4343% | 2,523 |
| Loan and lease loss provision to assets | 0.1182% | 5,950 |
| Net operating income to assets | 0.5598% | 3,844 |
| Return on assets (ROA) | 0.7006% | 3,361 |
| Pretax return on assets | 0.9458% | 3,193 |
| Return on Equity (ROE) | 7.1988% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.1988% | 1,506 |
| Net charge-offs to loans | 0.1576% | 4,618 |
| Credit loss provision to net charge-offs | 100.6036% | 4,537 |
| Earnings coverage of net charge-offs (x) | 7.4346% | 2,441 |
| Efficiency ratio | 76.6014% | 3,581 |
| Assets per employee ($millions) | 3.5842% | 4,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,326 |
| Loan loss allowance to noncurrent loans | 210.4431% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 6,091 |
| Noncurrent loans to loans | 0.6127% | 6,033 |
| Net loans and leases to total assets | 71.3787% | 3,385 |
| Net loans and leases to deposits | 99.1762% | 1,371 |
| Net loans and leases to core deposits | 111.1972% | 3,235 |
| Total domestic deposits to total assets | 71.9716% | 7,246 |
| Equity capital to assets | 9.6584% | 4,416 |
| Core capital (leverage) ratio | 9.5476% | 3,811 |
| Tier 1 risk-based capital ratio | 14.2717% | 3,369 |
| Total risk-based capital ratio | 15.5236% | 3,301 |
| Memoranda: | ||
| Average total assets | $845,819,330 | 833 |
| Average earning assets | $781,911,670 | 818 |
| Average equity | $82,319,330 | 797 |
| Average total loans | $630,625,000 | 774 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5983% | 4,361 |
| Cost of funding earning assets | 1.8282% | 4,987 |
| Net interest margin | 3.7702% | 3,585 |
| Noninterest income to average assets | 0.6581% | 3,153 |
| Noninterest expense to average assets | 3.3776% | 2,424 |
| Loan and lease loss provision to assets | 0.0720% | 6,059 |
| Net operating income to assets | 0.5016% | 4,414 |
| Return on assets (ROA) | 0.7791% | 3,384 |
| Pretax return on assets | 1.0777% | 3,069 |
| Return on Equity (ROE) | 7.9736% | 3,164 |
| Retained earnings to average equity (ytd only) | 7.9736% | 1,826 |
| Net charge-offs to loans | 0.2840% | 2,976 |
| Credit loss provision to net charge-offs | 33.4821% | 4,908 |
| Earnings coverage of net charge-offs (x) | 3.5536% | 3,144 |
| Efficiency ratio | 78.4307% | 3,099 |
| Assets per employee ($millions) | 3.4922% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,462 |
| Loan loss allowance to noncurrent loans | 207.7025% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 0.5360% | 5,879 |
| Noncurrent loans to loans | 0.6005% | 5,893 |
| Net loans and leases to total assets | 73.2637% | 2,949 |
| Net loans and leases to deposits | 103.4478% | 1,052 |
| Net loans and leases to core deposits | 116.3103% | 2,772 |
| Total domestic deposits to total assets | 70.8218% | 7,347 |
| Equity capital to assets | 9.7798% | 4,259 |
| Core capital (leverage) ratio | 9.6801% | 3,781 |
| Tier 1 risk-based capital ratio | 14.5742% | 3,275 |
| Total risk-based capital ratio | 15.8259% | 3,200 |
| Memoranda: | ||
| Average total assets | $833,251,500 | 846 |
| Average earning assets | $769,941,500 | 832 |
| Average equity | $81,419,000 | 807 |
| Average total loans | $631,039,000 | 790 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8482% | 6,269 |
| Cost of funding earning assets | 2.2053% | 5,574 |
| Net interest margin | 3.6429% | 4,711 |
| Noninterest income to average assets | 0.7405% | 2,839 |
| Noninterest expense to average assets | 3.1528% | 3,504 |
| Loan and lease loss provision to assets | 0.1431% | 5,524 |
| Net operating income to assets | 0.5906% | 4,348 |
| Return on assets (ROA) | 0.6417% | 3,991 |
| Pretax return on assets | 0.8571% | 3,860 |
| Return on Equity (ROE) | 6.5823% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.5823% | 1,306 |
| Net charge-offs to loans | 0.0306% | 6,397 |
| Credit loss provision to net charge-offs | 608.4656% | 703 |
| Earnings coverage of net charge-offs (x) | 39.6455% | 941 |
| Efficiency ratio | 74.3399% | 3,516 |
| Assets per employee ($millions) | 3.4512% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 3,942 |
| Loan loss allowance to noncurrent loans | 257.6325% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 6,046 |
| Noncurrent loans to loans | 0.4961% | 5,864 |
| Net loans and leases to total assets | 76.3315% | 2,535 |
| Net loans and leases to deposits | 109.0310% | 897 |
| Net loans and leases to core deposits | 122.2096% | 2,488 |
| Total domestic deposits to total assets | 70.0089% | 7,275 |
| Equity capital to assets | 9.7624% | 4,343 |
| Core capital (leverage) ratio | 9.7469% | 3,717 |
| Tier 1 risk-based capital ratio | 14.3442% | 3,365 |
| Total risk-based capital ratio | 15.5968% | 3,287 |
| Memoranda: | ||
| Average total assets | $803,862,600 | 840 |
| Average earning assets | $737,989,600 | 826 |
| Average equity | $78,361,200 | 851 |
| Average total loans | $616,898,000 | 776 |