Home > Needham Bank > Performance and Condition Ratios
Needham 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 | 5.9472% | 681 |
| Cost of funding earning assets | 2.4237% | 434 |
| Net interest margin | 3.5235% | 2,136 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 2.5267% | 2,229 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 0.5859% | 3,473 |
| Return on assets (ROA) | 0.5859% | 3,471 |
| Pretax return on assets | 0.7697% | 3,286 |
| Return on Equity (ROE) | 5.8600% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.8624% | 2,305 |
| Net charge-offs to loans | 0.1043% | 879 |
| Credit loss provision to net charge-offs | 266.6667% | 1,025 |
| Earnings coverage of net charge-offs (x) | 12.3192% | 2,152 |
| Efficiency ratio | 69.3359% | 1,978 |
| Assets per employee ($millions) | 12.8351% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 3,894 |
| Loan loss allowance to noncurrent loans | 297.7728% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 1,977 |
| Noncurrent loans to loans | 0.2782% | 2,180 |
| Net loans and leases to total assets | 87.8700% | 92 |
| Net loans and leases to deposits | 112.1343% | 164 |
| Net loans and leases to core deposits | 142.2298% | 252 |
| Total domestic deposits to total assets | 78.3600% | 3,685 |
| Equity capital to assets | 13.1329% | 837 |
| Core capital (leverage) ratio | 13.6196% | 881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,991,933,400 | 319 |
| Average earning assets | $3,731,612,600 | 307 |
| Average equity | $398,932,200 | 313 |
| Average total loans | $3,471,164,600 | 265 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7878% | 703 |
| Cost of funding earning assets | 2.2518% | 456 |
| Net interest margin | 3.5360% | 2,135 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.3183% | 2,735 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 0.8030% | 3,018 |
| Return on assets (ROA) | 0.8030% | 3,012 |
| Pretax return on assets | 1.0963% | 2,576 |
| Return on Equity (ROE) | 8.8200% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.8163% | 1,736 |
| Net charge-offs to loans | 0.0908% | 842 |
| Credit loss provision to net charge-offs | 348.7784% | 797 |
| Earnings coverage of net charge-offs (x) | 17.4891% | 1,902 |
| Efficiency ratio | 62.8044% | 2,631 |
| Assets per employee ($millions) | 12.5950% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 3,854 |
| Loan loss allowance to noncurrent loans | 232.8344% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 1,730 |
| Noncurrent loans to loans | 0.3686% | 1,913 |
| Net loans and leases to total assets | 87.0400% | 115 |
| Net loans and leases to deposits | 107.0496% | 272 |
| Net loans and leases to core deposits | 141.0168% | 211 |
| Total domestic deposits to total assets | 81.3100% | 3,335 |
| Equity capital to assets | 8.6395% | 2,638 |
| Core capital (leverage) ratio | 9.1279% | 3,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,892,518,250 | 326 |
| Average earning assets | $3,636,712,750 | 318 |
| Average equity | $354,545,000 | 346 |
| Average total loans | $3,366,623,000 | 271 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5745% | 756 |
| Cost of funding earning assets | 2.0028% | 490 |
| Net interest margin | 3.5716% | 2,098 |
| Noninterest income to average assets | 0.4500% | 2,141 |
| Noninterest expense to average assets | 2.3786% | 2,563 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 0.7926% | 3,104 |
| Return on assets (ROA) | 0.7926% | 3,111 |
| Pretax return on assets | 1.0814% | 2,690 |
| Return on Equity (ROE) | 8.5400% | 3,101 |
| Retained earnings to average equity (ytd only) | 8.5374% | 1,805 |
| Net charge-offs to loans | 0.0458% | 1,048 |
| Credit loss provision to net charge-offs | 810.4839% | 476 |
| Earnings coverage of net charge-offs (x) | 35.5578% | 1,471 |
| Efficiency ratio | 62.9503% | 2,599 |
| Assets per employee ($millions) | 12.2082% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 3,803 |
| Loan loss allowance to noncurrent loans | 235.6469% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 1,594 |
| Noncurrent loans to loans | 0.3793% | 1,788 |
| Net loans and leases to total assets | 86.6300% | 126 |
| Net loans and leases to deposits | 106.8760% | 280 |
| Net loans and leases to core deposits | 136.7033% | 247 |
| Total domestic deposits to total assets | 81.0600% | 3,424 |
| Equity capital to assets | 8.8586% | 2,624 |
| Core capital (leverage) ratio | 9.6244% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,779,387,000 | 329 |
| Average earning assets | $3,525,712,667 | 318 |
| Average equity | $350,855,000 | 337 |
| Average total loans | $3,250,406,667 | 272 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 706 |
| Cost of funding earning assets | 1.7386% | 507 |
| Net interest margin | 3.6673% | 1,979 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.5019% | 2,240 |
| Loan and lease loss provision to assets | 0.2200% | 458 |
| Net operating income to assets | 0.9579% | 2,661 |
| Return on assets (ROA) | 0.9579% | 2,625 |
| Pretax return on assets | 1.3113% | 2,145 |
| Return on Equity (ROE) | 10.0600% | 2,770 |
| Retained earnings to average equity (ytd only) | 10.0644% | 1,683 |
| Net charge-offs to loans | 0.0421% | 936 |
| Credit loss provision to net charge-offs | 631.7073% | 484 |
| Earnings coverage of net charge-offs (x) | 42.5488% | 1,165 |
| Efficiency ratio | 62.0915% | 2,683 |
| Assets per employee ($millions) | 11.7242% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8690% | 3,932 |
| Loan loss allowance to noncurrent loans | 213.4418% | 2,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 1,461 |
| Noncurrent loans to loans | 0.4071% | 1,712 |
| Net loans and leases to total assets | 85.7300% | 143 |
| Net loans and leases to deposits | 101.3128% | 385 |
| Net loans and leases to core deposits | 130.0279% | 273 |
| Total domestic deposits to total assets | 84.6200% | 2,948 |
| Equity capital to assets | 9.4630% | 2,170 |
| Core capital (leverage) ratio | 10.0675% | 2,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,654,729,500 | 348 |
| Average earning assets | $3,404,768,500 | 333 |
| Average equity | $347,839,000 | 354 |
| Average total loans | $3,114,810,500 | 292 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1144% | 1,445 |
| Cost of funding earning assets | 0.5285% | 1,217 |
| Net interest margin | 3.5860% | 1,685 |
| Noninterest income to average assets | 0.2900% | 3,396 |
| Noninterest expense to average assets | 2.2805% | 2,805 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 0.9590% | 2,729 |
| Return on assets (ROA) | 0.9590% | 2,676 |
| Pretax return on assets | 1.1607% | 2,563 |
| Return on Equity (ROE) | 9.0900% | 3,110 |
| Retained earnings to average equity (ytd only) | 9.0854% | 1,458 |
| Net charge-offs to loans | 0.0035% | 2,338 |
| Credit loss provision to net charge-offs | 7,701.1494% | 89 |
| Earnings coverage of net charge-offs (x) | 495.2644% | 332 |
| Efficiency ratio | 62.3958% | 2,709 |
| Assets per employee ($millions) | 11.6652% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 3,962 |
| Loan loss allowance to noncurrent loans | 194.4526% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 1,428 |
| Noncurrent loans to loans | 0.4268% | 1,650 |
| Net loans and leases to total assets | 83.2300% | 311 |
| Net loans and leases to deposits | 103.4426% | 321 |
| Net loans and leases to core deposits | 134.3981% | 189 |
| Total domestic deposits to total assets | 80.4600% | 3,817 |
| Equity capital to assets | 9.5739% | 1,950 |
| Core capital (leverage) ratio | 10.4875% | 2,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2756% | 2,924 |
| Memoranda: | ||
| Average total assets | $3,135,101,800 | 380 |
| Average earning assets | $2,941,947,200 | 368 |
| Average equity | $330,914,800 | 358 |
| Average total loans | $2,502,775,400 | 318 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8098% | 1,732 |
| Cost of funding earning assets | 0.3256% | 1,906 |
| Net interest margin | 3.4842% | 1,710 |
| Noninterest income to average assets | 0.3000% | 3,360 |
| Noninterest expense to average assets | 2.3225% | 2,565 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.7961% | 3,280 |
| Return on assets (ROA) | 0.7961% | 3,232 |
| Pretax return on assets | 1.0739% | 2,797 |
| Return on Equity (ROE) | 7.3400% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.3394% | 2,253 |
| Net charge-offs to loans | 0.0043% | 2,046 |
| Credit loss provision to net charge-offs | 5,394.7368% | 104 |
| Earnings coverage of net charge-offs (x) | 374.0789% | 409 |
| Efficiency ratio | 64.9220% | 2,419 |
| Assets per employee ($millions) | 10.7872% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8207% | 4,045 |
| Loan loss allowance to noncurrent loans | 187.8212% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 1,482 |
| Noncurrent loans to loans | 0.4370% | 1,714 |
| Net loans and leases to total assets | 82.6900% | 339 |
| Net loans and leases to deposits | 100.3841% | 351 |
| Net loans and leases to core deposits | 118.2336% | 292 |
| Total domestic deposits to total assets | 82.3700% | 3,777 |
| Equity capital to assets | 10.0992% | 1,570 |
| Core capital (leverage) ratio | 11.0288% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3693% | 2,972 |
| Memoranda: | ||
| Average total assets | $3,020,657,000 | 390 |
| Average earning assets | $2,843,052,500 | 378 |
| Average equity | $327,649,000 | 367 |
| Average total loans | $2,374,596,500 | 325 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 1,896 |
| Cost of funding earning assets | 0.2752% | 1,957 |
| Net interest margin | 3.3073% | 1,887 |
| Noninterest income to average assets | 0.3066% | 3,325 |
| Noninterest expense to average assets | 2.3546% | 2,387 |
| Loan and lease loss provision to assets | 0.0852% | 1,163 |
| Net operating income to assets | 0.7458% | 3,152 |
| Return on assets (ROA) | 0.7458% | 3,107 |
| Pretax return on assets | 0.9945% | 2,754 |
| Return on Equity (ROE) | 6.7038% | 3,392 |
| Retained earnings to average equity (ytd only) | 6.7038% | 2,089 |
| Net charge-offs to loans | 0.0015% | 2,068 |
| Credit loss provision to net charge-offs | 7,352.9412% | 82 |
| Earnings coverage of net charge-offs (x) | 931.8824% | 141 |
| Efficiency ratio | 68.5606% | 2,166 |
| Assets per employee ($millions) | 10.3661% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 4,134 |
| Loan loss allowance to noncurrent loans | 205.5660% | 2,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3158% | 1,748 |
| Noncurrent loans to loans | 0.4012% | 1,931 |
| Net loans and leases to total assets | 78.0531% | 547 |
| Net loans and leases to deposits | 89.0006% | 774 |
| Net loans and leases to core deposits | 98.8538% | 723 |
| Total domestic deposits to total assets | 87.6994% | 2,695 |
| Equity capital to assets | 10.8517% | 1,284 |
| Core capital (leverage) ratio | 10.9650% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7444% | 2,585 |
| Memoranda: | ||
| Average total assets | $2,934,437,000 | 391 |
| Average earning assets | $2,775,045,667 | 384 |
| Average equity | $326,470,333 | 368 |
| Average total loans | $2,254,792,000 | 332 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4059% | 2,073 |
| Cost of funding earning assets | 0.3036% | 1,628 |
| Net interest margin | 3.1023% | 2,171 |
| Noninterest income to average assets | 0.1878% | 4,032 |
| Noninterest expense to average assets | 2.2760% | 2,590 |
| Loan and lease loss provision to assets | 0.0554% | 1,390 |
| Net operating income to assets | 0.5921% | 3,419 |
| Return on assets (ROA) | 0.5921% | 3,399 |
| Pretax return on assets | 0.8085% | 3,093 |
| Return on Equity (ROE) | 5.2539% | 3,555 |
| Retained earnings to average equity (ytd only) | 5.2539% | 2,497 |
| Net charge-offs to loans | -0.0037% | 3,251 |
| Credit loss provision to net charge-offs | -2,000.0000% | 3,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4859% | 1,918 |
| Assets per employee ($millions) | 10.7459% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8271% | 4,201 |
| Loan loss allowance to noncurrent loans | 389.3138% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 2,602 |
| Noncurrent loans to loans | 0.2124% | 2,761 |
| Net loans and leases to total assets | 79.0116% | 293 |
| Net loans and leases to deposits | 90.2906% | 498 |
| Net loans and leases to core deposits | 103.6871% | 406 |
| Total domestic deposits to total assets | 87.5081% | 2,741 |
| Equity capital to assets | 11.3663% | 1,176 |
| Core capital (leverage) ratio | 11.4868% | 1,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,888,200,000 | 398 |
| Average earning assets | $2,748,398,500 | 389 |
| Average equity | $325,470,000 | 380 |
| Average total loans | $2,191,065,500 | 340 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4226% | 2,874 |
| Cost of funding earning assets | 0.4676% | 1,078 |
| Net interest margin | 2.9550% | 3,305 |
| Noninterest income to average assets | 0.2359% | 3,967 |
| Noninterest expense to average assets | 2.0236% | 3,605 |
| Loan and lease loss provision to assets | 0.0724% | 1,648 |
| Net operating income to assets | 0.7487% | 3,494 |
| Return on assets (ROA) | 0.7621% | 3,515 |
| Pretax return on assets | 0.9760% | 3,329 |
| Return on Equity (ROE) | 6.8364% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.8364% | 1,987 |
| Net charge-offs to loans | 0.1642% | 587 |
| Credit loss provision to net charge-offs | 58.9080% | 2,070 |
| Earnings coverage of net charge-offs (x) | 8.3911% | 2,300 |
| Efficiency ratio | 66.2377% | 2,229 |
| Assets per employee ($millions) | 11.3541% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 4,126 |
| Loan loss allowance to noncurrent loans | 306.5080% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.2059% | 2,535 |
| Noncurrent loans to loans | 0.2854% | 2,577 |
| Net loans and leases to total assets | 71.5015% | 880 |
| Net loans and leases to deposits | 81.2356% | 1,122 |
| Net loans and leases to core deposits | 96.7125% | 666 |
| Total domestic deposits to total assets | 88.0174% | 2,037 |
| Equity capital to assets | 11.1736% | 1,686 |
| Core capital (leverage) ratio | 11.2281% | 1,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,831,063,600 | 394 |
| Average earning assets | $2,700,912,600 | 380 |
| Average equity | $315,587,800 | 384 |
| Average total loans | $2,119,505,000 | 347 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4075% | 3,079 |
| Cost of funding earning assets | 0.5044% | 1,025 |
| Net interest margin | 2.9031% | 3,546 |
| Noninterest income to average assets | 0.1892% | 4,260 |
| Noninterest expense to average assets | 2.0141% | 3,625 |
| Loan and lease loss provision to assets | 0.0973% | 1,231 |
| Net operating income to assets | 0.6148% | 3,980 |
| Return on assets (ROA) | 0.6358% | 3,995 |
| Pretax return on assets | 0.8725% | 3,754 |
| Return on Equity (ROE) | 5.7068% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.7068% | 2,951 |
| Net charge-offs to loans | 0.2201% | 376 |
| Credit loss provision to net charge-offs | 58.4879% | 1,814 |
| Earnings coverage of net charge-offs (x) | 5.6705% | 2,216 |
| Efficiency ratio | 68.1051% | 1,813 |
| Assets per employee ($millions) | 11.4578% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,185 |
| Loan loss allowance to noncurrent loans | 234.2675% | 2,332 |
| Noncurrent assets plus other real estate owned to assets | 0.2676% | 2,434 |
| Noncurrent loans to loans | 0.3784% | 2,424 |
| Net loans and leases to total assets | 70.0961% | 1,068 |
| Net loans and leases to deposits | 81.2015% | 1,173 |
| Net loans and leases to core deposits | 96.0148% | 744 |
| Total domestic deposits to total assets | 86.3236% | 2,625 |
| Equity capital to assets | 10.8893% | 2,089 |
| Core capital (leverage) ratio | 10.8805% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,809,331,500 | 395 |
| Average earning assets | $2,678,776,250 | 384 |
| Average equity | $312,973,750 | 390 |
| Average total loans | $2,123,175,500 | 350 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3420% | 3,333 |
| Cost of funding earning assets | 0.5471% | 953 |
| Net interest margin | 2.7949% | 3,798 |
| Noninterest income to average assets | 0.2238% | 4,061 |
| Noninterest expense to average assets | 2.0185% | 3,641 |
| Loan and lease loss provision to assets | 0.1156% | 1,093 |
| Net operating income to assets | 0.5498% | 4,112 |
| Return on assets (ROA) | 0.5592% | 4,128 |
| Pretax return on assets | 0.7687% | 3,927 |
| Return on Equity (ROE) | 4.9802% | 4,127 |
| Retained earnings to average equity (ytd only) | 4.9802% | 3,192 |
| Net charge-offs to loans | 0.3264% | 264 |
| Credit loss provision to net charge-offs | 45.8321% | 1,626 |
| Earnings coverage of net charge-offs (x) | 3.4586% | 2,069 |
| Efficiency ratio | 69.8225% | 1,667 |
| Assets per employee ($millions) | 11.1928% | 438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 4,272 |
| Loan loss allowance to noncurrent loans | 197.3835% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3199% | 2,321 |
| Noncurrent loans to loans | 0.4338% | 2,375 |
| Net loans and leases to total assets | 73.1231% | 845 |
| Net loans and leases to deposits | 85.0449% | 983 |
| Net loans and leases to core deposits | 101.3669% | 615 |
| Total domestic deposits to total assets | 85.9817% | 2,746 |
| Equity capital to assets | 11.0640% | 1,936 |
| Core capital (leverage) ratio | 11.1741% | 1,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,768,040,000 | 400 |
| Average earning assets | $2,641,415,667 | 387 |
| Average equity | $310,829,333 | 384 |
| Average total loans | $2,139,416,667 | 346 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3497% | 3,340 |
| Cost of funding earning assets | 0.6138% | 829 |
| Net interest margin | 2.7359% | 3,891 |
| Noninterest income to average assets | 0.3007% | 3,609 |
| Noninterest expense to average assets | 2.0447% | 3,576 |
| Loan and lease loss provision to assets | 0.1172% | 1,169 |
| Net operating income to assets | 0.5492% | 4,075 |
| Return on assets (ROA) | 0.5492% | 4,118 |
| Pretax return on assets | 0.7540% | 3,904 |
| Return on Equity (ROE) | 4.8535% | 4,118 |
| Retained earnings to average equity (ytd only) | 4.8535% | 3,270 |
| Net charge-offs to loans | 0.6298% | 128 |
| Credit loss provision to net charge-offs | 23.5156% | 1,408 |
| Earnings coverage of net charge-offs (x) | 1.7481% | 1,834 |
| Efficiency ratio | 70.1231% | 1,681 |
| Assets per employee ($millions) | 12.0562% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 4,387 |
| Loan loss allowance to noncurrent loans | 129.9103% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 1,967 |
| Noncurrent loans to loans | 0.6242% | 2,009 |
| Net loans and leases to total assets | 75.4023% | 684 |
| Net loans and leases to deposits | 89.7755% | 709 |
| Net loans and leases to core deposits | 107.1872% | 475 |
| Total domestic deposits to total assets | 83.9899% | 3,436 |
| Equity capital to assets | 11.1085% | 1,780 |
| Core capital (leverage) ratio | 11.5260% | 1,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,730,574,000 | 401 |
| Average earning assets | $2,610,003,500 | 387 |
| Average equity | $308,970,500 | 384 |
| Average total loans | $2,160,713,500 | 347 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9511% | 2,877 |
| Cost of funding earning assets | 1.0777% | 439 |
| Net interest margin | 2.8734% | 4,157 |
| Noninterest income to average assets | 0.3239% | 3,523 |
| Noninterest expense to average assets | 2.0332% | 4,079 |
| Loan and lease loss provision to assets | 0.2700% | 1,427 |
| Net operating income to assets | 0.5539% | 3,892 |
| Return on assets (ROA) | 0.5570% | 3,980 |
| Pretax return on assets | 0.7636% | 3,727 |
| Return on Equity (ROE) | 4.7518% | 3,967 |
| Retained earnings to average equity (ytd only) | 4.6683% | 2,439 |
| Net charge-offs to loans | 0.1017% | 1,458 |
| Credit loss provision to net charge-offs | 311.2314% | 1,696 |
| Earnings coverage of net charge-offs (x) | 11.8683% | 2,377 |
| Efficiency ratio | 66.3843% | 2,468 |
| Assets per employee ($millions) | 11.6337% | 348 |
| Cash dividends to net income (ytd only)* | 1.7562% | 3,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9040% | 4,177 |
| Loan loss allowance to noncurrent loans | 76.6838% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 0.9714% | 992 |
| Noncurrent loans to loans | 1.1789% | 1,203 |
| Net loans and leases to total assets | 81.6523% | 319 |
| Net loans and leases to deposits | 98.6154% | 431 |
| Net loans and leases to core deposits | 118.4304% | 331 |
| Total domestic deposits to total assets | 82.7988% | 3,465 |
| Equity capital to assets | 11.5322% | 1,858 |
| Core capital (leverage) ratio | 12.0142% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,555,573,400 | 388 |
| Average earning assets | $2,435,926,800 | 376 |
| Average equity | $299,572,000 | 369 |
| Average total loans | $2,179,827,200 | 328 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 3,011 |
| Cost of funding earning assets | 1.1801% | 400 |
| Net interest margin | 2.8066% | 4,334 |
| Noninterest income to average assets | 0.3458% | 3,399 |
| Noninterest expense to average assets | 2.0071% | 4,129 |
| Loan and lease loss provision to assets | 0.2848% | 1,415 |
| Net operating income to assets | 0.5321% | 3,953 |
| Return on assets (ROA) | 0.5347% | 4,039 |
| Pretax return on assets | 0.7324% | 3,820 |
| Return on Equity (ROE) | 4.5420% | 4,016 |
| Retained earnings to average equity (ytd only) | 4.4972% | 2,800 |
| Net charge-offs to loans | 0.1366% | 1,060 |
| Credit loss provision to net charge-offs | 242.2611% | 1,951 |
| Earnings coverage of net charge-offs (x) | 8.6254% | 2,483 |
| Efficiency ratio | 66.4403% | 2,407 |
| Assets per employee ($millions) | 11.4169% | 357 |
| Cash dividends to net income (ytd only)* | 0.9862% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8135% | 4,331 |
| Loan loss allowance to noncurrent loans | 67.3067% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 1,021 |
| Noncurrent loans to loans | 1.2086% | 1,259 |
| Net loans and leases to total assets | 87.0168% | 105 |
| Net loans and leases to deposits | 109.5088% | 234 |
| Net loans and leases to core deposits | 131.8419% | 223 |
| Total domestic deposits to total assets | 79.4610% | 3,970 |
| Equity capital to assets | 11.8066% | 1,795 |
| Core capital (leverage) ratio | 11.7267% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,528,439,000 | 383 |
| Average earning assets | $2,410,026,750 | 369 |
| Average equity | $297,657,250 | 364 |
| Average total loans | $2,175,995,750 | 323 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9966% | 3,334 |
| Cost of funding earning assets | 1.2789% | 393 |
| Net interest margin | 2.7177% | 4,539 |
| Noninterest income to average assets | 0.3761% | 3,225 |
| Noninterest expense to average assets | 2.0048% | 4,224 |
| Loan and lease loss provision to assets | 0.2107% | 1,960 |
| Net operating income to assets | 0.5470% | 3,893 |
| Return on assets (ROA) | 0.5505% | 3,967 |
| Pretax return on assets | 0.7573% | 3,720 |
| Return on Equity (ROE) | 4.6812% | 3,925 |
| Retained earnings to average equity (ytd only) | 4.6135% | 2,655 |
| Net charge-offs to loans | -0.0025% | 3,857 |
| Credit loss provision to net charge-offs | -9,814.8148% | 4,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5382% | 2,301 |
| Assets per employee ($millions) | 12.0204% | 317 |
| Cash dividends to net income (ytd only)* | 1.4445% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7817% | 4,385 |
| Loan loss allowance to noncurrent loans | 55.5680% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 1.2715% | 830 |
| Noncurrent loans to loans | 1.4067% | 1,099 |
| Net loans and leases to total assets | 87.2113% | 89 |
| Net loans and leases to deposits | 109.0119% | 252 |
| Net loans and leases to core deposits | 135.7721% | 201 |
| Total domestic deposits to total assets | 80.0016% | 3,831 |
| Equity capital to assets | 11.5538% | 1,936 |
| Core capital (leverage) ratio | 11.6518% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,514,988,000 | 382 |
| Average earning assets | $2,398,957,667 | 363 |
| Average equity | $295,781,000 | 364 |
| Average total loans | $2,150,123,000 | 322 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 2,745 |
| Cost of funding earning assets | 1.4257% | 355 |
| Net interest margin | 2.9353% | 4,375 |
| Noninterest income to average assets | 0.4008% | 3,094 |
| Noninterest expense to average assets | 2.1239% | 4,169 |
| Loan and lease loss provision to assets | 0.2425% | 1,284 |
| Net operating income to assets | 0.6096% | 3,574 |
| Return on assets (ROA) | 0.6167% | 3,608 |
| Pretax return on assets | 0.8513% | 3,279 |
| Return on Equity (ROE) | 5.1961% | 3,570 |
| Retained earnings to average equity (ytd only) | 5.0599% | 2,247 |
| Net charge-offs to loans | -0.0029% | 3,716 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1931% | 2,931 |
| Assets per employee ($millions) | 11.7707% | 249 |
| Cash dividends to net income (ytd only)* | 2.6212% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7979% | 4,420 |
| Loan loss allowance to noncurrent loans | 106.5487% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 2,011 |
| Noncurrent loans to loans | 0.7489% | 2,131 |
| Net loans and leases to total assets | 83.0861% | 350 |
| Net loans and leases to deposits | 107.9188% | 234 |
| Net loans and leases to core deposits | 142.6553% | 152 |
| Total domestic deposits to total assets | 76.9895% | 4,353 |
| Equity capital to assets | 11.8235% | 2,202 |
| Core capital (leverage) ratio | 11.8126% | 1,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7796% | 1,978 |
| Memoranda: | ||
| Average total assets | $2,474,282,500 | 372 |
| Average earning assets | $2,366,892,500 | 357 |
| Average equity | $293,680,500 | 365 |
| Average total loans | $2,084,088,500 | 324 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4219% | 3,183 |
| Cost of funding earning assets | 1.4416% | 481 |
| Net interest margin | 2.9803% | 4,541 |
| Noninterest income to average assets | 0.2133% | 4,392 |
| Noninterest expense to average assets | 2.0528% | 4,447 |
| Loan and lease loss provision to assets | 0.0665% | 2,687 |
| Net operating income to assets | 0.6974% | 3,877 |
| Return on assets (ROA) | 0.6976% | 3,941 |
| Pretax return on assets | 0.9541% | 3,593 |
| Return on Equity (ROE) | 5.6466% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.6466% | 2,063 |
| Net charge-offs to loans | -0.0012% | 4,182 |
| Credit loss provision to net charge-offs | -6,630.4348% | 4,686 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7981% | 2,647 |
| Assets per employee ($millions) | 11.8511% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7296% | 4,509 |
| Loan loss allowance to noncurrent loans | 106.4299% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 2,040 |
| Noncurrent loans to loans | 0.6855% | 2,173 |
| Net loans and leases to total assets | 84.0957% | 313 |
| Net loans and leases to deposits | 110.6834% | 178 |
| Net loans and leases to core deposits | 151.1566% | 111 |
| Total domestic deposits to total assets | 75.9787% | 4,601 |
| Equity capital to assets | 11.9160% | 2,189 |
| Core capital (leverage) ratio | 12.1050% | 1,712 |
| Tier 1 risk-based capital ratio | 14.0837% | 3,223 |
| Total risk-based capital ratio | 14.8131% | 3,390 |
| Memoranda: | ||
| Average total assets | $2,293,805,800 | 375 |
| Average earning assets | $2,201,138,200 | 355 |
| Average equity | $283,373,600 | 363 |
| Average total loans | $1,971,672,000 | 328 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 3,236 |
| Cost of funding earning assets | 1.4361% | 506 |
| Net interest margin | 3.0048% | 4,616 |
| Noninterest income to average assets | 0.2069% | 4,481 |
| Noninterest expense to average assets | 2.0560% | 4,439 |
| Loan and lease loss provision to assets | 0.0592% | 2,708 |
| Net operating income to assets | 0.7040% | 3,998 |
| Return on assets (ROA) | 0.7042% | 4,065 |
| Pretax return on assets | 0.9741% | 3,665 |
| Return on Equity (ROE) | 5.6460% | 4,150 |
| Retained earnings to average equity (ytd only) | 5.6460% | 2,542 |
| Net charge-offs to loans | -0.0006% | 3,977 |
| Credit loss provision to net charge-offs | -11,111.1111% | 4,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5575% | 2,657 |
| Assets per employee ($millions) | 11.7277% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7248% | 4,597 |
| Loan loss allowance to noncurrent loans | 100.3431% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.6601% | 2,038 |
| Noncurrent loans to loans | 0.7223% | 2,159 |
| Net loans and leases to total assets | 85.3963% | 229 |
| Net loans and leases to deposits | 116.4792% | 119 |
| Net loans and leases to core deposits | 160.7509% | 86 |
| Total domestic deposits to total assets | 73.3146% | 4,844 |
| Equity capital to assets | 12.2709% | 2,060 |
| Core capital (leverage) ratio | 12.5188% | 1,556 |
| Tier 1 risk-based capital ratio | 14.5203% | 3,066 |
| Total risk-based capital ratio | 15.2558% | 3,239 |
| Memoranda: | ||
| Average total assets | $2,253,960,750 | 383 |
| Average earning assets | $2,161,965,500 | 363 |
| Average equity | $281,136,750 | 363 |
| Average total loans | $1,945,043,250 | 335 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 3,180 |
| Cost of funding earning assets | 1.4179% | 496 |
| Net interest margin | 3.0326% | 4,635 |
| Noninterest income to average assets | 0.2408% | 4,311 |
| Noninterest expense to average assets | 2.0563% | 4,504 |
| Loan and lease loss provision to assets | 0.0900% | 2,049 |
| Net operating income to assets | 0.7261% | 3,913 |
| Return on assets (ROA) | 0.7261% | 3,976 |
| Pretax return on assets | 1.0016% | 3,541 |
| Return on Equity (ROE) | 5.7883% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.7883% | 2,379 |
| Net charge-offs to loans | 0.0004% | 3,166 |
| Credit loss provision to net charge-offs | 25,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 3,033.7500% | 12 |
| Efficiency ratio | 65.3236% | 2,916 |
| Assets per employee ($millions) | 10.8686% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7424% | 4,620 |
| Loan loss allowance to noncurrent loans | 106.4016% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 2,049 |
| Noncurrent loans to loans | 0.6977% | 2,231 |
| Net loans and leases to total assets | 85.9905% | 214 |
| Net loans and leases to deposits | 119.5921% | 93 |
| Net loans and leases to core deposits | 160.8729% | 93 |
| Total domestic deposits to total assets | 71.9031% | 4,980 |
| Equity capital to assets | 12.4866% | 1,864 |
| Core capital (leverage) ratio | 12.6173% | 1,476 |
| Tier 1 risk-based capital ratio | 14.7909% | 2,919 |
| Total risk-based capital ratio | 15.5496% | 3,085 |
| Memoranda: | ||
| Average total assets | $2,223,435,670 | 389 |
| Average earning assets | $2,131,389,670 | 368 |
| Average equity | $278,909,330 | 364 |
| Average total loans | $1,920,849,670 | 339 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4600% | 3,012 |
| Cost of funding earning assets | 1.3789% | 495 |
| Net interest margin | 3.0811% | 4,617 |
| Noninterest income to average assets | 0.2212% | 4,423 |
| Noninterest expense to average assets | 2.1411% | 4,391 |
| Loan and lease loss provision to assets | 0.1137% | 1,556 |
| Net operating income to assets | 0.6676% | 4,032 |
| Return on assets (ROA) | 0.6676% | 4,070 |
| Pretax return on assets | 0.9172% | 3,711 |
| Return on Equity (ROE) | 5.3098% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.3098% | 2,772 |
| Net charge-offs to loans | 0.0040% | 2,577 |
| Credit loss provision to net charge-offs | 3,289.4737% | 126 |
| Earnings coverage of net charge-offs (x) | 298.3158% | 273 |
| Efficiency ratio | 67.5019% | 2,712 |
| Assets per employee ($millions) | 11.1785% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 4,694 |
| Loan loss allowance to noncurrent loans | 76.1487% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 1,552 |
| Noncurrent loans to loans | 0.9696% | 1,723 |
| Net loans and leases to total assets | 85.9416% | 191 |
| Net loans and leases to deposits | 117.7322% | 107 |
| Net loans and leases to core deposits | 158.6074% | 93 |
| Total domestic deposits to total assets | 72.9976% | 4,998 |
| Equity capital to assets | 12.5549% | 1,704 |
| Core capital (leverage) ratio | 12.7287% | 1,386 |
| Tier 1 risk-based capital ratio | 15.4653% | 2,668 |
| Total risk-based capital ratio | 16.2495% | 2,811 |
| Memoranda: | ||
| Average total assets | $2,199,388,500 | 394 |
| Average earning assets | $2,106,389,000 | 375 |
| Average equity | $276,545,000 | 366 |
| Average total loans | $1,897,320,000 | 345 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1985% | 3,449 |
| Cost of funding earning assets | 1.0655% | 565 |
| Net interest margin | 3.1330% | 4,601 |
| Noninterest income to average assets | 0.0373% | 5,294 |
| Noninterest expense to average assets | 2.1288% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6789% | 4,207 |
| Return on assets (ROA) | 0.6789% | 4,211 |
| Pretax return on assets | 0.9072% | 3,880 |
| Return on Equity (ROE) | 5.2950% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.2950% | 2,603 |
| Net charge-offs to loans | -0.0115% | 4,534 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1177% | 2,158 |
| Assets per employee ($millions) | 10.9259% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7286% | 4,737 |
| Loan loss allowance to noncurrent loans | 76.6166% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.8853% | 1,577 |
| Noncurrent loans to loans | 0.9509% | 1,696 |
| Net loans and leases to total assets | 85.3173% | 287 |
| Net loans and leases to deposits | 123.3663% | 73 |
| Net loans and leases to core deposits | 155.9538% | 108 |
| Total domestic deposits to total assets | 69.1577% | 5,181 |
| Equity capital to assets | 12.5930% | 1,538 |
| Core capital (leverage) ratio | 12.9168% | 1,282 |
| Tier 1 risk-based capital ratio | 16.0446% | 2,390 |
| Total risk-based capital ratio | 16.8339% | 2,506 |
| Memoranda: | ||
| Average total assets | $2,075,853,400 | 406 |
| Average earning assets | $1,986,859,200 | 388 |
| Average equity | $266,175,600 | 371 |
| Average total loans | $1,776,207,200 | 358 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 3,478 |
| Cost of funding earning assets | 0.9994% | 597 |
| Net interest margin | 3.1454% | 4,623 |
| Noninterest income to average assets | 0.0047% | 5,419 |
| Noninterest expense to average assets | 2.1316% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6690% | 4,324 |
| Return on assets (ROA) | 0.6690% | 4,338 |
| Pretax return on assets | 0.8846% | 4,073 |
| Return on Equity (ROE) | 5.1926% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.1926% | 3,118 |
| Net charge-offs to loans | -0.0195% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6722% | 2,093 |
| Assets per employee ($millions) | 10.8463% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7585% | 4,737 |
| Loan loss allowance to noncurrent loans | 81.5394% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8006% | 1,845 |
| Noncurrent loans to loans | 0.9302% | 1,832 |
| Net loans and leases to total assets | 85.4182% | 323 |
| Net loans and leases to deposits | 118.6167% | 117 |
| Net loans and leases to core deposits | 150.4224% | 131 |
| Total domestic deposits to total assets | 72.0120% | 5,130 |
| Equity capital to assets | 12.8385% | 1,400 |
| Core capital (leverage) ratio | 13.3994% | 1,143 |
| Tier 1 risk-based capital ratio | 16.2731% | 2,346 |
| Total risk-based capital ratio | 17.0878% | 2,446 |
| Memoranda: | ||
| Average total assets | $2,051,252,750 | 409 |
| Average earning assets | $1,963,882,250 | 393 |
| Average equity | $264,268,500 | 372 |
| Average total loans | $1,753,101,500 | 362 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 3,280 |
| Cost of funding earning assets | 0.9613% | 555 |
| Net interest margin | 3.1889% | 4,531 |
| Noninterest income to average assets | -0.0423% | 5,512 |
| Noninterest expense to average assets | 2.1011% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6977% | 4,200 |
| Return on assets (ROA) | 0.6977% | 4,205 |
| Pretax return on assets | 0.9074% | 3,941 |
| Return on Equity (ROE) | 5.4092% | 4,433 |
| Retained earnings to average equity (ytd only) | 5.4092% | 2,869 |
| Net charge-offs to loans | -0.0341% | 4,785 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8385% | 2,342 |
| Assets per employee ($millions) | 10.3219% | 288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8069% | 4,670 |
| Loan loss allowance to noncurrent loans | 60.1096% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.1445% | 1,280 |
| Noncurrent loans to loans | 1.3424% | 1,265 |
| Net loans and leases to total assets | 84.5685% | 398 |
| Net loans and leases to deposits | 114.6282% | 181 |
| Net loans and leases to core deposits | 142.0017% | 175 |
| Total domestic deposits to total assets | 73.7764% | 5,067 |
| Equity capital to assets | 13.3477% | 1,166 |
| Core capital (leverage) ratio | 13.0259% | 1,205 |
| Tier 1 risk-based capital ratio | 17.4055% | 1,965 |
| Total risk-based capital ratio | 18.2898% | 2,031 |
| Memoranda: | ||
| Average total assets | $2,037,223,670 | 413 |
| Average earning assets | $1,949,030,000 | 398 |
| Average equity | $262,773,670 | 370 |
| Average total loans | $1,736,882,000 | 363 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 3,344 |
| Cost of funding earning assets | 0.9064% | 577 |
| Net interest margin | 3.1608% | 4,577 |
| Noninterest income to average assets | -0.2453% | 5,600 |
| Noninterest expense to average assets | 2.3575% | 4,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3831% | 4,956 |
| Return on assets (ROA) | 0.3831% | 4,964 |
| Pretax return on assets | 0.4202% | 5,004 |
| Return on Equity (ROE) | 3.0213% | 5,015 |
| Retained earnings to average equity (ytd only) | 3.0213% | 3,992 |
| Net charge-offs to loans | -0.0465% | 4,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8714% | 729 |
| Assets per employee ($millions) | 11.1804% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 4,906 |
| Loan loss allowance to noncurrent loans | 78.4521% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 1,916 |
| Noncurrent loans to loans | 0.9623% | 1,894 |
| Net loans and leases to total assets | 85.1374% | 331 |
| Net loans and leases to deposits | 123.0272% | 87 |
| Net loans and leases to core deposits | 148.7779% | 134 |
| Total domestic deposits to total assets | 69.2021% | 5,388 |
| Equity capital to assets | 12.4351% | 1,520 |
| Core capital (leverage) ratio | 12.7675% | 1,264 |
| Tier 1 risk-based capital ratio | 16.6587% | 2,224 |
| Total risk-based capital ratio | 17.5156% | 2,321 |
| Memoranda: | ||
| Average total assets | $2,059,773,000 | 415 |
| Average earning assets | $1,969,986,000 | 399 |
| Average equity | $261,209,000 | 374 |
| Average total loans | $1,756,115,000 | 360 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 3,450 |
| Cost of funding earning assets | 0.8236% | 548 |
| Net interest margin | 3.1625% | 4,544 |
| Noninterest income to average assets | 0.1326% | 5,280 |
| Noninterest expense to average assets | 2.1854% | 4,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4614% | 4,488 |
| Return on assets (ROA) | 0.4614% | 4,519 |
| Pretax return on assets | 0.9737% | 3,663 |
| Return on Equity (ROE) | 3.5813% | 4,654 |
| Retained earnings to average equity (ytd only) | 3.5813% | 3,124 |
| Net charge-offs to loans | 0.0779% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.7542% | 2,307 |
| Efficiency ratio | 69.1783% | 2,667 |
| Assets per employee ($millions) | 11.0253% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7846% | 4,872 |
| Loan loss allowance to noncurrent loans | 72.9940% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 1,703 |
| Noncurrent loans to loans | 1.0748% | 1,657 |
| Net loans and leases to total assets | 84.0437% | 440 |
| Net loans and leases to deposits | 121.2460% | 97 |
| Net loans and leases to core deposits | 141.3530% | 200 |
| Total domestic deposits to total assets | 69.3167% | 5,431 |
| Equity capital to assets | 12.9381% | 1,296 |
| Core capital (leverage) ratio | 12.7360% | 1,248 |
| Tier 1 risk-based capital ratio | 17.8262% | 1,850 |
| Total risk-based capital ratio | 18.7370% | 1,898 |
| Memoranda: | ||
| Average total assets | $1,997,133,200 | 409 |
| Average earning assets | $1,911,255,600 | 392 |
| Average equity | $257,312,000 | 360 |
| Average total loans | $1,691,611,600 | 351 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 3,683 |
| Cost of funding earning assets | 0.8015% | 575 |
| Net interest margin | 3.0973% | 4,722 |
| Noninterest income to average assets | 0.0896% | 5,510 |
| Noninterest expense to average assets | 2.2177% | 4,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5047% | 4,715 |
| Return on assets (ROA) | 0.5047% | 4,747 |
| Pretax return on assets | 0.8375% | 4,249 |
| Return on Equity (ROE) | 3.9217% | 4,878 |
| Retained earnings to average equity (ytd only) | 3.9217% | 3,590 |
| Net charge-offs to loans | 0.1143% | 1,648 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 8.6461% | 2,753 |
| Efficiency ratio | 72.5906% | 2,120 |
| Assets per employee ($millions) | 11.2682% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7641% | 4,987 |
| Loan loss allowance to noncurrent loans | 67.1487% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.9751% | 1,739 |
| Noncurrent loans to loans | 1.1379% | 1,693 |
| Net loans and leases to total assets | 85.0348% | 336 |
| Net loans and leases to deposits | 123.4647% | 69 |
| Net loans and leases to core deposits | 147.4230% | 137 |
| Total domestic deposits to total assets | 68.8738% | 5,510 |
| Equity capital to assets | 12.8520% | 1,464 |
| Core capital (leverage) ratio | 13.0737% | 1,185 |
| Tier 1 risk-based capital ratio | 17.6890% | 1,950 |
| Total risk-based capital ratio | 18.5899% | 2,004 |
| Memoranda: | ||
| Average total assets | $1,992,009,750 | 414 |
| Average earning assets | $1,907,245,750 | 392 |
| Average equity | $256,379,250 | 363 |
| Average total loans | $1,687,240,250 | 353 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8982% | 3,554 |
| Cost of funding earning assets | 0.7936% | 545 |
| Net interest margin | 3.1046% | 4,668 |
| Noninterest income to average assets | 0.0902% | 5,549 |
| Noninterest expense to average assets | 2.2786% | 4,409 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4732% | 4,778 |
| Return on assets (ROA) | 0.4733% | 4,810 |
| Pretax return on assets | 0.7852% | 4,328 |
| Return on Equity (ROE) | 3.6753% | 4,924 |
| Retained earnings to average equity (ytd only) | 3.6753% | 3,513 |
| Net charge-offs to loans | 0.1973% | 1,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 4.7160% | 2,894 |
| Efficiency ratio | 74.3744% | 1,944 |
| Assets per employee ($millions) | 10.8351% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 5,010 |
| Loan loss allowance to noncurrent loans | 126.2330% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.5197% | 3,032 |
| Noncurrent loans to loans | 0.6123% | 2,890 |
| Net loans and leases to total assets | 84.2250% | 419 |
| Net loans and leases to deposits | 115.4108% | 168 |
| Net loans and leases to core deposits | 139.2763% | 188 |
| Total domestic deposits to total assets | 72.9785% | 5,388 |
| Equity capital to assets | 12.9276% | 1,404 |
| Core capital (leverage) ratio | 13.0333% | 1,164 |
| Tier 1 risk-based capital ratio | 18.1572% | 1,808 |
| Total risk-based capital ratio | 19.0781% | 1,866 |
| Memoranda: | ||
| Average total assets | $1,979,922,670 | 415 |
| Average earning assets | $1,896,267,000 | 395 |
| Average equity | $254,947,670 | 365 |
| Average total loans | $1,670,314,670 | 359 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 3,445 |
| Cost of funding earning assets | 0.7836% | 542 |
| Net interest margin | 3.1017% | 4,644 |
| Noninterest income to average assets | 0.1020% | 5,585 |
| Noninterest expense to average assets | 2.4352% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3851% | 4,988 |
| Return on assets (ROA) | 0.3852% | 5,012 |
| Pretax return on assets | 0.6378% | 4,634 |
| Return on Equity (ROE) | 2.9974% | 5,098 |
| Retained earnings to average equity (ytd only) | 2.9974% | 3,910 |
| Net charge-offs to loans | 0.4197% | 437 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.8064% | 2,680 |
| Efficiency ratio | 79.2505% | 1,454 |
| Assets per employee ($millions) | 10.2643% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7845% | 5,105 |
| Loan loss allowance to noncurrent loans | 121.5007% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 3,062 |
| Noncurrent loans to loans | 0.6457% | 2,890 |
| Net loans and leases to total assets | 83.3335% | 431 |
| Net loans and leases to deposits | 111.5032% | 189 |
| Net loans and leases to core deposits | 137.9002% | 187 |
| Total domestic deposits to total assets | 74.7364% | 5,359 |
| Equity capital to assets | 12.9233% | 1,289 |
| Core capital (leverage) ratio | 12.9555% | 1,161 |
| Tier 1 risk-based capital ratio | 18.0605% | 1,855 |
| Total risk-based capital ratio | 18.9799% | 1,923 |
| Memoranda: | ||
| Average total assets | $1,973,051,500 | 418 |
| Average earning assets | $1,889,782,000 | 398 |
| Average equity | $253,555,000 | 367 |
| Average total loans | $1,659,350,000 | 362 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0706% | 2,952 |
| Cost of funding earning assets | 0.8306% | 430 |
| Net interest margin | 3.2400% | 4,329 |
| Noninterest income to average assets | 0.1675% | 5,380 |
| Noninterest expense to average assets | 2.1272% | 4,949 |
| Loan and lease loss provision to assets | 0.0480% | 3,431 |
| Net operating income to assets | 0.6623% | 3,940 |
| Return on assets (ROA) | 0.6624% | 4,058 |
| Pretax return on assets | 1.0962% | 3,117 |
| Return on Equity (ROE) | 5.3037% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.3037% | 2,127 |
| Net charge-offs to loans | 0.0282% | 3,462 |
| Credit loss provision to net charge-offs | 200.4219% | 1,409 |
| Earnings coverage of net charge-offs (x) | 47.7595% | 1,037 |
| Efficiency ratio | 65.0260% | 3,756 |
| Assets per employee ($millions) | 10.2883% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8853% | 4,837 |
| Loan loss allowance to noncurrent loans | 115.3340% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.6464% | 2,788 |
| Noncurrent loans to loans | 0.7676% | 2,616 |
| Net loans and leases to total assets | 83.4632% | 436 |
| Net loans and leases to deposits | 111.6968% | 191 |
| Net loans and leases to core deposits | 138.8839% | 188 |
| Total domestic deposits to total assets | 74.7230% | 5,378 |
| Equity capital to assets | 12.7787% | 1,356 |
| Core capital (leverage) ratio | 12.7655% | 1,226 |
| Tier 1 risk-based capital ratio | 17.5569% | 1,990 |
| Total risk-based capital ratio | 18.5780% | 2,013 |
| Memoranda: | ||
| Average total assets | $1,978,628,600 | 398 |
| Average earning assets | $1,895,517,800 | 382 |
| Average equity | $247,110,800 | 366 |
| Average total loans | $1,679,087,600 | 346 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0890% | 2,911 |
| Cost of funding earning assets | 0.8339% | 421 |
| Net interest margin | 3.2551% | 4,332 |
| Noninterest income to average assets | 0.1562% | 5,492 |
| Noninterest expense to average assets | 2.1167% | 4,976 |
| Loan and lease loss provision to assets | 0.0640% | 2,951 |
| Net operating income to assets | 0.6612% | 4,031 |
| Return on assets (ROA) | 0.6612% | 4,154 |
| Pretax return on assets | 1.0923% | 3,264 |
| Return on Equity (ROE) | 5.3249% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.3249% | 2,607 |
| Net charge-offs to loans | 0.0390% | 2,854 |
| Credit loss provision to net charge-offs | 193.0894% | 1,472 |
| Earnings coverage of net charge-offs (x) | 34.8925% | 1,348 |
| Efficiency ratio | 64.6711% | 3,826 |
| Assets per employee ($millions) | 10.4603% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8634% | 4,996 |
| Loan loss allowance to noncurrent loans | 119.2460% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6174% | 3,058 |
| Noncurrent loans to loans | 0.7241% | 2,862 |
| Net loans and leases to total assets | 84.5310% | 364 |
| Net loans and leases to deposits | 114.6770% | 176 |
| Net loans and leases to core deposits | 143.8601% | 164 |
| Total domestic deposits to total assets | 73.7122% | 5,460 |
| Equity capital to assets | 12.5924% | 1,720 |
| Core capital (leverage) ratio | 12.5442% | 1,379 |
| Tier 1 risk-based capital ratio | 16.8148% | 2,292 |
| Total risk-based capital ratio | 17.8045% | 2,347 |
| Memoranda: | ||
| Average total assets | $1,979,445,000 | 396 |
| Average earning assets | $1,895,338,750 | 382 |
| Average equity | $245,782,000 | 367 |
| Average total loans | $1,683,002,500 | 343 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,859 |
| Cost of funding earning assets | 0.8278% | 421 |
| Net interest margin | 3.2712% | 4,322 |
| Noninterest income to average assets | 0.1049% | 5,757 |
| Noninterest expense to average assets | 2.1097% | 5,036 |
| Loan and lease loss provision to assets | 0.0963% | 2,231 |
| Net operating income to assets | 0.6269% | 4,159 |
| Return on assets (ROA) | 0.6269% | 4,290 |
| Pretax return on assets | 1.0309% | 3,479 |
| Return on Equity (ROE) | 5.0728% | 4,482 |
| Retained earnings to average equity (ytd only) | 5.0728% | 2,684 |
| Net charge-offs to loans | 0.0525% | 2,449 |
| Credit loss provision to net charge-offs | 215.9091% | 1,237 |
| Earnings coverage of net charge-offs (x) | 25.2750% | 1,515 |
| Efficiency ratio | 65.1772% | 3,813 |
| Assets per employee ($millions) | 10.7300% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8676% | 5,068 |
| Loan loss allowance to noncurrent loans | 142.0420% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 3,484 |
| Noncurrent loans to loans | 0.6108% | 3,239 |
| Net loans and leases to total assets | 84.0547% | 418 |
| Net loans and leases to deposits | 111.5298% | 216 |
| Net loans and leases to core deposits | 141.0969% | 179 |
| Total domestic deposits to total assets | 75.3652% | 5,369 |
| Equity capital to assets | 12.3846% | 1,843 |
| Core capital (leverage) ratio | 12.3273% | 1,443 |
| Tier 1 risk-based capital ratio | 16.5450% | 2,406 |
| Total risk-based capital ratio | 17.5366% | 2,455 |
| Memoranda: | ||
| Average total assets | $1,973,288,330 | 398 |
| Average earning assets | $1,889,249,000 | 382 |
| Average equity | $243,847,330 | 367 |
| Average total loans | $1,676,148,000 | 346 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 2,882 |
| Cost of funding earning assets | 0.8019% | 489 |
| Net interest margin | 3.2875% | 4,271 |
| Noninterest income to average assets | 0.0908% | 5,849 |
| Noninterest expense to average assets | 2.1214% | 5,069 |
| Loan and lease loss provision to assets | 0.1635% | 1,264 |
| Net operating income to assets | 0.5857% | 4,245 |
| Return on assets (ROA) | 0.5857% | 4,361 |
| Pretax return on assets | 0.9512% | 3,656 |
| Return on Equity (ROE) | 4.7449% | 4,605 |
| Retained earnings to average equity (ytd only) | 4.7449% | 3,093 |
| Net charge-offs to loans | 0.1101% | 1,466 |
| Credit loss provision to net charge-offs | 174.6725% | 1,175 |
| Earnings coverage of net charge-offs (x) | 11.9061% | 1,831 |
| Efficiency ratio | 65.5527% | 3,870 |
| Assets per employee ($millions) | 10.4908% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8694% | 5,153 |
| Loan loss allowance to noncurrent loans | 102.9343% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7150% | 2,924 |
| Noncurrent loans to loans | 0.8446% | 2,734 |
| Net loans and leases to total assets | 83.9222% | 379 |
| Net loans and leases to deposits | 112.8647% | 167 |
| Net loans and leases to core deposits | 145.0290% | 132 |
| Total domestic deposits to total assets | 74.3565% | 5,580 |
| Equity capital to assets | 12.3251% | 1,807 |
| Core capital (leverage) ratio | 12.4233% | 1,370 |
| Tier 1 risk-based capital ratio | 16.3557% | 2,538 |
| Total risk-based capital ratio | 17.3381% | 2,590 |
| Memoranda: | ||
| Average total assets | $1,956,677,500 | 398 |
| Average earning assets | $1,872,066,500 | 387 |
| Average equity | $241,522,000 | 370 |
| Average total loans | $1,663,558,500 | 346 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1052% | 2,893 |
| Cost of funding earning assets | 0.6888% | 872 |
| Net interest margin | 3.4164% | 3,845 |
| Noninterest income to average assets | 0.1056% | 5,858 |
| Noninterest expense to average assets | 2.2842% | 4,834 |
| Loan and lease loss provision to assets | 0.2558% | 740 |
| Net operating income to assets | 0.5108% | 4,653 |
| Return on assets (ROA) | 0.5117% | 4,734 |
| Pretax return on assets | 0.8314% | 4,102 |
| Return on Equity (ROE) | 3.9048% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.9048% | 3,259 |
| Net charge-offs to loans | 0.1382% | 1,966 |
| Credit loss provision to net charge-offs | 218.5415% | 1,296 |
| Earnings coverage of net charge-offs (x) | 9.2765% | 2,838 |
| Efficiency ratio | 67.7813% | 3,605 |
| Assets per employee ($millions) | 10.6076% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 5,216 |
| Loan loss allowance to noncurrent loans | 243.4404% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 4,357 |
| Noncurrent loans to loans | 0.3551% | 4,188 |
| Net loans and leases to total assets | 84.6525% | 334 |
| Net loans and leases to deposits | 117.0610% | 127 |
| Net loans and leases to core deposits | 148.9781% | 116 |
| Total domestic deposits to total assets | 72.3149% | 5,780 |
| Equity capital to assets | 12.3623% | 1,694 |
| Core capital (leverage) ratio | 12.7452% | 1,247 |
| Tier 1 risk-based capital ratio | 16.4917% | 2,486 |
| Total risk-based capital ratio | 17.4777% | 2,552 |
| Memoranda: | ||
| Average total assets | $1,792,470,600 | 406 |
| Average earning assets | $1,712,722,000 | 392 |
| Average equity | $234,887,400 | 368 |
| Average total loans | $1,517,607,800 | 348 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 2,969 |
| Cost of funding earning assets | 0.6637% | 1,006 |
| Net interest margin | 3.4298% | 3,837 |
| Noninterest income to average assets | 0.1020% | 5,960 |
| Noninterest expense to average assets | 2.3153% | 4,742 |
| Loan and lease loss provision to assets | 0.1896% | 1,075 |
| Net operating income to assets | 0.5399% | 4,631 |
| Return on assets (ROA) | 0.5399% | 4,729 |
| Pretax return on assets | 0.8744% | 4,070 |
| Return on Equity (ROE) | 4.0567% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.0567% | 3,572 |
| Net charge-offs to loans | 0.1204% | 1,917 |
| Credit loss provision to net charge-offs | 186.4280% | 1,422 |
| Earnings coverage of net charge-offs (x) | 10.4616% | 2,593 |
| Efficiency ratio | 68.5138% | 3,449 |
| Assets per employee ($millions) | 10.3955% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8205% | 5,469 |
| Loan loss allowance to noncurrent loans | 253.4419% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 4,643 |
| Noncurrent loans to loans | 0.3238% | 4,445 |
| Net loans and leases to total assets | 84.4162% | 354 |
| Net loans and leases to deposits | 118.8571% | 115 |
| Net loans and leases to core deposits | 151.6270% | 106 |
| Total domestic deposits to total assets | 71.0233% | 5,924 |
| Equity capital to assets | 12.8394% | 1,536 |
| Core capital (leverage) ratio | 13.1711% | 1,148 |
| Tier 1 risk-based capital ratio | 17.0052% | 2,378 |
| Total risk-based capital ratio | 17.9284% | 2,448 |
| Memoranda: | ||
| Average total assets | $1,757,940,500 | 414 |
| Average earning assets | $1,679,768,000 | 400 |
| Average equity | $233,942,750 | 374 |
| Average total loans | $1,484,873,500 | 354 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 2,879 |
| Cost of funding earning assets | 0.6377% | 1,184 |
| Net interest margin | 3.4671% | 3,632 |
| Noninterest income to average assets | 0.0894% | 6,063 |
| Noninterest expense to average assets | 2.3628% | 4,685 |
| Loan and lease loss provision to assets | 0.1216% | 1,819 |
| Net operating income to assets | 0.5704% | 4,474 |
| Return on assets (ROA) | 0.5704% | 4,575 |
| Pretax return on assets | 0.9172% | 3,892 |
| Return on Equity (ROE) | 4.2332% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.2332% | 3,338 |
| Net charge-offs to loans | -0.0539% | 5,573 |
| Credit loss provision to net charge-offs | -267.8571% | 5,090 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4604% | 3,424 |
| Assets per employee ($millions) | 10.1757% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8741% | 5,392 |
| Loan loss allowance to noncurrent loans | 96.2046% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 0.7775% | 3,060 |
| Noncurrent loans to loans | 0.9086% | 2,854 |
| Net loans and leases to total assets | 84.0969% | 365 |
| Net loans and leases to deposits | 118.7648% | 107 |
| Net loans and leases to core deposits | 152.7486% | 97 |
| Total domestic deposits to total assets | 70.8096% | 5,998 |
| Equity capital to assets | 13.1889% | 1,304 |
| Core capital (leverage) ratio | 13.5456% | 974 |
| Tier 1 risk-based capital ratio | 17.5201% | 2,213 |
| Total risk-based capital ratio | 18.5011% | 2,265 |
| Memoranda: | ||
| Average total assets | $1,727,123,330 | 424 |
| Average earning assets | $1,649,970,000 | 408 |
| Average equity | $232,730,330 | 378 |
| Average total loans | $1,454,846,670 | 361 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 2,766 |
| Cost of funding earning assets | 0.6223% | 1,289 |
| Net interest margin | 3.4950% | 3,460 |
| Noninterest income to average assets | 0.0609% | 6,204 |
| Noninterest expense to average assets | 2.3692% | 4,687 |
| Loan and lease loss provision to assets | 0.0353% | 3,197 |
| Net operating income to assets | 0.6314% | 4,139 |
| Return on assets (ROA) | 0.6314% | 4,256 |
| Pretax return on assets | 0.9965% | 3,521 |
| Return on Equity (ROE) | 4.6343% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.6343% | 3,249 |
| Net charge-offs to loans | -0.0978% | 5,850 |
| Credit loss provision to net charge-offs | -42.9799% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6618% | 3,548 |
| Assets per employee ($millions) | 10.1175% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 5,581 |
| Loan loss allowance to noncurrent loans | 110.1006% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 3,551 |
| Noncurrent loans to loans | 0.7693% | 3,332 |
| Net loans and leases to total assets | 82.9759% | 376 |
| Net loans and leases to deposits | 116.4322% | 130 |
| Net loans and leases to core deposits | 153.8885% | 91 |
| Total domestic deposits to total assets | 71.2654% | 6,076 |
| Equity capital to assets | 13.5027% | 1,170 |
| Core capital (leverage) ratio | 13.8466% | 869 |
| Tier 1 risk-based capital ratio | 18.9117% | 1,893 |
| Total risk-based capital ratio | 19.9045% | 1,913 |
| Memoranda: | ||
| Average total assets | $1,700,307,000 | 432 |
| Average earning assets | $1,624,966,000 | 415 |
| Average equity | $231,664,000 | 377 |
| Average total loans | $1,426,886,500 | 359 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2679% | 2,713 |
| Cost of funding earning assets | 0.5740% | 2,011 |
| Net interest margin | 3.6939% | 3,028 |
| Noninterest income to average assets | 0.0918% | 6,188 |
| Noninterest expense to average assets | 2.3636% | 4,939 |
| Loan and lease loss provision to assets | 0.0678% | 3,130 |
| Net operating income to assets | 0.7054% | 3,866 |
| Return on assets (ROA) | 0.7061% | 3,977 |
| Pretax return on assets | 1.1825% | 2,721 |
| Return on Equity (ROE) | 4.6826% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.6826% | 2,838 |
| Net charge-offs to loans | 0.0142% | 4,599 |
| Credit loss provision to net charge-offs | 570.6215% | 469 |
| Earnings coverage of net charge-offs (x) | 105.1582% | 500 |
| Efficiency ratio | 65.4265% | 4,336 |
| Assets per employee ($millions) | 10.0634% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8367% | 5,671 |
| Loan loss allowance to noncurrent loans | 152.5811% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 4,177 |
| Noncurrent loans to loans | 0.5484% | 4,019 |
| Net loans and leases to total assets | 83.4581% | 380 |
| Net loans and leases to deposits | 118.1282% | 112 |
| Net loans and leases to core deposits | 159.8981% | 84 |
| Total domestic deposits to total assets | 70.6505% | 6,164 |
| Equity capital to assets | 13.7513% | 1,048 |
| Core capital (leverage) ratio | 14.0644% | 801 |
| Tier 1 risk-based capital ratio | 20.4071% | 1,522 |
| Total risk-based capital ratio | 21.4615% | 1,528 |
| Memoranda: | ||
| Average total assets | $1,490,211,000 | 468 |
| Average earning assets | $1,420,408,600 | 445 |
| Average equity | $224,723,400 | 365 |
| Average total loans | $1,242,820,800 | 381 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2806% | 2,710 |
| Cost of funding earning assets | 0.5623% | 2,172 |
| Net interest margin | 3.7184% | 2,945 |
| Noninterest income to average assets | 0.0779% | 6,312 |
| Noninterest expense to average assets | 2.3452% | 4,975 |
| Loan and lease loss provision to assets | 0.0161% | 4,092 |
| Net operating income to assets | 0.7660% | 3,589 |
| Return on assets (ROA) | 0.7670% | 3,685 |
| Pretax return on assets | 1.2591% | 2,537 |
| Return on Equity (ROE) | 4.9597% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.9597% | 3,104 |
| Net charge-offs to loans | 0.0215% | 4,089 |
| Credit loss provision to net charge-offs | 90.2062% | 2,428 |
| Earnings coverage of net charge-offs (x) | 71.1650% | 769 |
| Efficiency ratio | 64.8031% | 4,410 |
| Assets per employee ($millions) | 9.8436% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8225% | 5,817 |
| Loan loss allowance to noncurrent loans | 414.1176% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 5,455 |
| Noncurrent loans to loans | 0.1986% | 5,309 |
| Net loans and leases to total assets | 83.0247% | 405 |
| Net loans and leases to deposits | 120.2526% | 93 |
| Net loans and leases to core deposits | 149.0676% | 104 |
| Total domestic deposits to total assets | 69.0419% | 6,314 |
| Equity capital to assets | 14.3667% | 893 |
| Core capital (leverage) ratio | 14.8270% | 653 |
| Tier 1 risk-based capital ratio | 21.3884% | 1,377 |
| Total risk-based capital ratio | 22.4229% | 1,395 |
| Memoranda: | ||
| Average total assets | $1,445,134,500 | 480 |
| Average earning assets | $1,376,239,000 | 457 |
| Average equity | $223,474,750 | 362 |
| Average total loans | $1,202,039,500 | 387 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2770% | 2,676 |
| Cost of funding earning assets | 0.5606% | 2,254 |
| Net interest margin | 3.7164% | 2,896 |
| Noninterest income to average assets | 0.0775% | 6,356 |
| Noninterest expense to average assets | 2.4060% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7408% | 3,617 |
| Return on assets (ROA) | 0.7410% | 3,716 |
| Pretax return on assets | 1.2118% | 2,617 |
| Return on Equity (ROE) | 4.6670% | 4,830 |
| Retained earnings to average equity (ytd only) | 4.6670% | 3,175 |
| Net charge-offs to loans | 0.0308% | 3,579 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 47.3240% | 946 |
| Efficiency ratio | 66.5125% | 4,279 |
| Assets per employee ($millions) | 9.3963% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 5,836 |
| Loan loss allowance to noncurrent loans | 133.9813% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.6226% | 4,105 |
| Noncurrent loans to loans | 0.6447% | 4,097 |
| Net loans and leases to total assets | 83.1241% | 368 |
| Net loans and leases to deposits | 119.9722% | 86 |
| Net loans and leases to core deposits | 145.0566% | 116 |
| Total domestic deposits to total assets | 69.2862% | 6,381 |
| Equity capital to assets | 15.1525% | 669 |
| Core capital (leverage) ratio | 15.5875% | 530 |
| Tier 1 risk-based capital ratio | 21.2660% | 1,396 |
| Total risk-based capital ratio | 22.2926% | 1,414 |
| Memoranda: | ||
| Average total assets | $1,398,574,670 | 495 |
| Average earning assets | $1,332,151,670 | 469 |
| Average equity | $222,071,000 | 361 |
| Average total loans | $1,160,486,330 | 398 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2757% | 2,606 |
| Cost of funding earning assets | 0.5625% | 2,321 |
| Net interest margin | 3.7132% | 2,813 |
| Noninterest income to average assets | 0.1177% | 6,260 |
| Noninterest expense to average assets | 2.5377% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6895% | 3,741 |
| Return on assets (ROA) | 0.6766% | 3,890 |
| Pretax return on assets | 1.0956% | 2,926 |
| Return on Equity (ROE) | 4.1572% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.1572% | 3,637 |
| Net charge-offs to loans | 0.0329% | 2,930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 41.0978% | 861 |
| Efficiency ratio | 69.4613% | 3,922 |
| Assets per employee ($millions) | 9.3784% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9359% | 5,755 |
| Loan loss allowance to noncurrent loans | 171.0701% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 4,427 |
| Noncurrent loans to loans | 0.5471% | 4,525 |
| Net loans and leases to total assets | 82.1038% | 348 |
| Net loans and leases to deposits | 118.2822% | 84 |
| Net loans and leases to core deposits | 137.7611% | 142 |
| Total domestic deposits to total assets | 69.4135% | 6,468 |
| Equity capital to assets | 15.8688% | 543 |
| Core capital (leverage) ratio | 16.2656% | 449 |
| Tier 1 risk-based capital ratio | 22.3811% | 1,235 |
| Total risk-based capital ratio | 23.4904% | 1,235 |
| Memoranda: | ||
| Average total assets | $1,355,553,000 | 511 |
| Average earning assets | $1,290,736,500 | 483 |
| Average equity | $220,628,000 | 361 |
| Average total loans | $1,118,315,500 | 410 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 2,663 |
| Cost of funding earning assets | 0.6551% | 2,168 |
| Net interest margin | 3.7237% | 2,959 |
| Noninterest income to average assets | 0.1095% | 6,354 |
| Noninterest expense to average assets | 2.3068% | 5,365 |
| Loan and lease loss provision to assets | -0.0834% | 6,458 |
| Net operating income to assets | 0.8583% | 2,986 |
| Return on assets (ROA) | 0.8626% | 3,041 |
| Pretax return on assets | 1.4329% | 1,675 |
| Return on Equity (ROE) | 4.7983% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.7983% | 2,734 |
| Net charge-offs to loans | 0.2210% | 2,695 |
| Credit loss provision to net charge-offs | -46.8165% | 5,791 |
| Earnings coverage of net charge-offs (x) | 7.5337% | 2,826 |
| Efficiency ratio | 63.2099% | 5,025 |
| Assets per employee ($millions) | 9.3837% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 5,496 |
| Loan loss allowance to noncurrent loans | 169.2105% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.6160% | 4,391 |
| Noncurrent loans to loans | 0.5990% | 4,486 |
| Net loans and leases to total assets | 81.2619% | 472 |
| Net loans and leases to deposits | 117.9229% | 83 |
| Net loans and leases to core deposits | 135.2022% | 154 |
| Total domestic deposits to total assets | 68.9110% | 6,557 |
| Equity capital to assets | 16.7088% | 429 |
| Core capital (leverage) ratio | 17.0795% | 365 |
| Tier 1 risk-based capital ratio | 23.7732% | 980 |
| Total risk-based capital ratio | 24.9784% | 970 |
| Memoranda: | ||
| Average total assets | $1,198,543,200 | 546 |
| Average earning assets | $1,139,394,600 | 521 |
| Average equity | $215,471,400 | 362 |
| Average total loans | $966,420,400 | 442 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 2,553 |
| Cost of funding earning assets | 0.6829% | 2,077 |
| Net interest margin | 3.7298% | 2,921 |
| Noninterest income to average assets | 0.1110% | 6,448 |
| Noninterest expense to average assets | 2.3184% | 5,281 |
| Loan and lease loss provision to assets | -0.1140% | 6,645 |
| Net operating income to assets | 0.8752% | 2,968 |
| Return on assets (ROA) | 0.8812% | 3,039 |
| Pretax return on assets | 1.4592% | 1,726 |
| Return on Equity (ROE) | 4.8063% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.8063% | 3,230 |
| Net charge-offs to loans | 0.0855% | 3,728 |
| Credit loss provision to net charge-offs | -166.1130% | 5,866 |
| Earnings coverage of net charge-offs (x) | 19.4684% | 1,629 |
| Efficiency ratio | 63.4435% | 4,892 |
| Assets per employee ($millions) | 9.3068% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 4,671 |
| Loan loss allowance to noncurrent loans | 97.3600% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.1441% | 3,369 |
| Noncurrent loans to loans | 1.2776% | 3,271 |
| Net loans and leases to total assets | 80.5552% | 491 |
| Net loans and leases to deposits | 114.5295% | 109 |
| Net loans and leases to core deposits | 128.3843% | 208 |
| Total domestic deposits to total assets | 70.3358% | 6,581 |
| Equity capital to assets | 17.6798% | 356 |
| Core capital (leverage) ratio | 17.9431% | 305 |
| Tier 1 risk-based capital ratio | 25.0932% | 869 |
| Total risk-based capital ratio | 26.3460% | 857 |
| Memoranda: | ||
| Average total assets | $1,169,749,750 | 560 |
| Average earning assets | $1,111,231,500 | 534 |
| Average equity | $214,462,500 | 362 |
| Average total loans | $938,405,000 | 452 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 2,344 |
| Cost of funding earning assets | 0.7109% | 1,993 |
| Net interest margin | 3.7513% | 2,758 |
| Noninterest income to average assets | 0.1090% | 6,499 |
| Noninterest expense to average assets | 2.3442% | 5,229 |
| Loan and lease loss provision to assets | -0.1739% | 6,768 |
| Net operating income to assets | 0.8910% | 2,844 |
| Return on assets (ROA) | 0.8926% | 2,986 |
| Pretax return on assets | 1.5022% | 1,610 |
| Return on Equity (ROE) | 4.8073% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.8073% | 3,176 |
| Net charge-offs to loans | 0.0892% | 3,476 |
| Credit loss provision to net charge-offs | -244.4988% | 5,769 |
| Earnings coverage of net charge-offs (x) | 18.6430% | 1,545 |
| Efficiency ratio | 63.8728% | 4,883 |
| Assets per employee ($millions) | 8.9114% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 4,336 |
| Loan loss allowance to noncurrent loans | 83.5732% | 3,923 |
| Noncurrent assets plus other real estate owned to assets | 1.3060% | 3,162 |
| Noncurrent loans to loans | 1.5987% | 2,912 |
| Net loans and leases to total assets | 79.4647% | 582 |
| Net loans and leases to deposits | 108.0133% | 183 |
| Net loans and leases to core deposits | 121.5267% | 295 |
| Total domestic deposits to total assets | 73.5693% | 6,467 |
| Equity capital to assets | 18.2414% | 306 |
| Core capital (leverage) ratio | 18.5680% | 250 |
| Tier 1 risk-based capital ratio | 25.8038% | 794 |
| Total risk-based capital ratio | 27.0576% | 771 |
| Memoranda: | ||
| Average total assets | $1,150,166,330 | 570 |
| Average earning assets | $1,091,836,330 | 546 |
| Average equity | $213,551,330 | 359 |
| Average total loans | $917,178,000 | 459 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4959% | 2,184 |
| Cost of funding earning assets | 0.7456% | 1,883 |
| Net interest margin | 3.7504% | 2,663 |
| Noninterest income to average assets | 0.1027% | 6,564 |
| Noninterest expense to average assets | 2.3671% | 5,206 |
| Loan and lease loss provision to assets | -0.3518% | 6,928 |
| Net operating income to assets | 0.9456% | 2,450 |
| Return on assets (ROA) | 0.9487% | 2,587 |
| Pretax return on assets | 1.6509% | 1,189 |
| Return on Equity (ROE) | 5.0638% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.0638% | 3,197 |
| Net charge-offs to loans | -0.0089% | 5,398 |
| Credit loss provision to net charge-offs | 5,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6522% | 4,895 |
| Assets per employee ($millions) | 9.0992% | 307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4544% | 3,999 |
| Loan loss allowance to noncurrent loans | 80.2686% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 1.5229% | 2,973 |
| Noncurrent loans to loans | 1.8119% | 2,846 |
| Net loans and leases to total assets | 78.5926% | 550 |
| Net loans and leases to deposits | 102.2327% | 273 |
| Net loans and leases to core deposits | 114.1972% | 381 |
| Total domestic deposits to total assets | 76.8762% | 6,260 |
| Equity capital to assets | 18.9651% | 276 |
| Core capital (leverage) ratio | 18.5253% | 260 |
| Tier 1 risk-based capital ratio | 26.8749% | 721 |
| Total risk-based capital ratio | 28.1303% | 708 |
| Memoranda: | ||
| Average total assets | $1,137,099,500 | 584 |
| Average earning assets | $1,078,928,500 | 554 |
| Average equity | $213,040,000 | 370 |
| Average total loans | $902,066,500 | 465 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7633% | 2,346 |
| Cost of funding earning assets | 0.9428% | 1,686 |
| Net interest margin | 3.8205% | 3,142 |
| Noninterest income to average assets | 0.1187% | 6,440 |
| Noninterest expense to average assets | 2.1166% | 6,093 |
| Loan and lease loss provision to assets | 0.0566% | 5,073 |
| Net operating income to assets | 0.9509% | 2,541 |
| Return on assets (ROA) | 0.9577% | 2,760 |
| Pretax return on assets | 1.5798% | 1,438 |
| Return on Equity (ROE) | 5.3290% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.3290% | 2,484 |
| Net charge-offs to loans | 0.4274% | 2,527 |
| Credit loss provision to net charge-offs | 16.6539% | 5,319 |
| Earnings coverage of net charge-offs (x) | 4.7843% | 3,256 |
| Efficiency ratio | 56.5572% | 5,995 |
| Assets per employee ($millions) | 9.0944% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5556% | 3,498 |
| Loan loss allowance to noncurrent loans | 89.2010% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.4529% | 3,198 |
| Noncurrent loans to loans | 1.7439% | 2,998 |
| Net loans and leases to total assets | 77.6874% | 713 |
| Net loans and leases to deposits | 102.3265% | 318 |
| Net loans and leases to core deposits | 114.3758% | 405 |
| Total domestic deposits to total assets | 75.9211% | 6,364 |
| Equity capital to assets | 18.5092% | 291 |
| Core capital (leverage) ratio | 18.6161% | 251 |
| Tier 1 risk-based capital ratio | 27.0490% | 686 |
| Total risk-based capital ratio | 28.3060% | 675 |
| Memoranda: | ||
| Average total assets | $1,148,514,000 | 571 |
| Average earning assets | $1,089,381,600 | 543 |
| Average equity | $206,398,800 | 365 |
| Average total loans | $913,204,600 | 451 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8166% | 2,329 |
| Cost of funding earning assets | 0.9863% | 1,642 |
| Net interest margin | 3.8302% | 3,205 |
| Noninterest income to average assets | 0.0984% | 6,618 |
| Noninterest expense to average assets | 2.0915% | 6,183 |
| Loan and lease loss provision to assets | 0.0754% | 4,711 |
| Net operating income to assets | 0.9424% | 2,784 |
| Return on assets (ROA) | 0.9428% | 3,006 |
| Pretax return on assets | 1.5635% | 1,693 |
| Return on Equity (ROE) | 5.2857% | 4,693 |
| Retained earnings to average equity (ytd only) | 5.2857% | 3,166 |
| Net charge-offs to loans | 0.5275% | 2,034 |
| Credit loss provision to net charge-offs | 17.9459% | 4,986 |
| Earnings coverage of net charge-offs (x) | 3.8984% | 3,467 |
| Efficiency ratio | 56.0768% | 6,048 |
| Assets per employee ($millions) | 9.1168% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 3,542 |
| Loan loss allowance to noncurrent loans | 100.3146% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.4695% | 3,400 |
| Noncurrent loans to loans | 1.5882% | 3,404 |
| Net loans and leases to total assets | 78.3960% | 678 |
| Net loans and leases to deposits | 101.5603% | 375 |
| Net loans and leases to core deposits | 114.2024% | 425 |
| Total domestic deposits to total assets | 77.1916% | 6,206 |
| Equity capital to assets | 18.5309% | 323 |
| Core capital (leverage) ratio | 18.0830% | 297 |
| Tier 1 risk-based capital ratio | 26.9150% | 749 |
| Total risk-based capital ratio | 28.1728% | 732 |
| Memoranda: | ||
| Average total assets | $1,149,168,000 | 576 |
| Average earning assets | $1,089,517,500 | 550 |
| Average equity | $204,974,250 | 365 |
| Average total loans | $915,434,500 | 452 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8556% | 2,285 |
| Cost of funding earning assets | 1.0093% | 1,713 |
| Net interest margin | 3.8463% | 3,152 |
| Noninterest income to average assets | 0.0883% | 6,723 |
| Noninterest expense to average assets | 2.0023% | 6,426 |
| Loan and lease loss provision to assets | 0.1125% | 4,121 |
| Net operating income to assets | 0.9703% | 2,585 |
| Return on assets (ROA) | 0.9709% | 2,823 |
| Pretax return on assets | 1.6199% | 1,489 |
| Return on Equity (ROE) | 5.5134% | 4,577 |
| Retained earnings to average equity (ytd only) | 5.5134% | 2,981 |
| Net charge-offs to loans | 0.4570% | 2,234 |
| Credit loss provision to net charge-offs | 30.9082% | 4,429 |
| Earnings coverage of net charge-offs (x) | 4.7561% | 2,995 |
| Efficiency ratio | 53.6279% | 6,348 |
| Assets per employee ($millions) | 9.8658% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 3,009 |
| Loan loss allowance to noncurrent loans | 69.0981% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 2.2562% | 2,478 |
| Noncurrent loans to loans | 2.5394% | 2,371 |
| Net loans and leases to total assets | 76.9656% | 846 |
| Net loans and leases to deposits | 99.5990% | 440 |
| Net loans and leases to core deposits | 113.8663% | 456 |
| Total domestic deposits to total assets | 77.2755% | 6,286 |
| Equity capital to assets | 17.8691% | 353 |
| Core capital (leverage) ratio | 17.8104% | 299 |
| Tier 1 risk-based capital ratio | 26.7995% | 746 |
| Total risk-based capital ratio | 28.0600% | 726 |
| Memoranda: | ||
| Average total assets | $1,155,396,670 | 573 |
| Average earning assets | $1,095,033,670 | 547 |
| Average equity | $203,469,330 | 365 |
| Average total loans | $920,379,000 | 451 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 2,233 |
| Cost of funding earning assets | 1.0471% | 1,696 |
| Net interest margin | 3.8552% | 3,116 |
| Noninterest income to average assets | 0.1028% | 6,731 |
| Noninterest expense to average assets | 2.0216% | 6,422 |
| Loan and lease loss provision to assets | 0.1211% | 3,829 |
| Net operating income to assets | 0.9519% | 2,682 |
| Return on assets (ROA) | 0.9519% | 2,889 |
| Pretax return on assets | 1.6139% | 1,526 |
| Return on Equity (ROE) | 5.4456% | 4,574 |
| Retained earnings to average equity (ytd only) | 5.4456% | 3,295 |
| Net charge-offs to loans | 0.8307% | 1,237 |
| Credit loss provision to net charge-offs | 18.1535% | 3,802 |
| Earnings coverage of net charge-offs (x) | 2.6006% | 3,132 |
| Efficiency ratio | 53.8136% | 6,370 |
| Assets per employee ($millions) | 10.3215% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7077% | 3,320 |
| Loan loss allowance to noncurrent loans | 64.1797% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 2.3945% | 2,477 |
| Noncurrent loans to loans | 2.6608% | 2,447 |
| Net loans and leases to total assets | 78.3817% | 549 |
| Net loans and leases to deposits | 101.6069% | 321 |
| Net loans and leases to core deposits | 116.6328% | 369 |
| Total domestic deposits to total assets | 77.1421% | 6,382 |
| Equity capital to assets | 17.5995% | 372 |
| Core capital (leverage) ratio | 17.4584% | 324 |
| Tier 1 risk-based capital ratio | 27.0002% | 735 |
| Total risk-based capital ratio | 28.2610% | 718 |
| Memoranda: | ||
| Average total assets | $1,155,944,000 | 574 |
| Average earning assets | $1,095,562,000 | 550 |
| Average equity | $202,072,500 | 362 |
| Average total loans | $928,427,000 | 450 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 2,434 |
| Cost of funding earning assets | 1.2542% | 1,706 |
| Net interest margin | 3.8503% | 3,568 |
| Noninterest income to average assets | -0.0736% | 7,084 |
| Noninterest expense to average assets | 1.8714% | 6,863 |
| Loan and lease loss provision to assets | 0.3580% | 2,862 |
| Net operating income to assets | 0.8257% | 2,925 |
| Return on assets (ROA) | 0.8307% | 3,068 |
| Pretax return on assets | 1.3402% | 1,982 |
| Return on Equity (ROE) | 4.9477% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.9477% | 2,681 |
| Net charge-offs to loans | 1.0383% | 1,672 |
| Credit loss provision to net charge-offs | 42.0329% | 5,596 |
| Earnings coverage of net charge-offs (x) | 1.9846% | 4,294 |
| Efficiency ratio | 52.5395% | 6,659 |
| Assets per employee ($millions) | 10.2290% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8524% | 2,701 |
| Loan loss allowance to noncurrent loans | 55.0821% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 2.9367% | 2,050 |
| Noncurrent loans to loans | 3.3629% | 1,926 |
| Net loans and leases to total assets | 79.3935% | 556 |
| Net loans and leases to deposits | 103.7313% | 316 |
| Net loans and leases to core deposits | 119.0910% | 374 |
| Total domestic deposits to total assets | 76.5377% | 6,401 |
| Equity capital to assets | 17.3628% | 405 |
| Core capital (leverage) ratio | 17.2807% | 349 |
| Tier 1 risk-based capital ratio | 26.7621% | 725 |
| Total risk-based capital ratio | 28.0258% | 702 |
| Memoranda: | ||
| Average total assets | $1,161,910,400 | 561 |
| Average earning assets | $1,097,074,800 | 536 |
| Average equity | $195,082,400 | 363 |
| Average total loans | $953,159,400 | 439 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1025% | 2,598 |
| Cost of funding earning assets | 1.3001% | 1,700 |
| Net interest margin | 3.8024% | 3,872 |
| Noninterest income to average assets | -0.0856% | 7,198 |
| Noninterest expense to average assets | 1.8458% | 6,929 |
| Loan and lease loss provision to assets | 0.3994% | 2,459 |
| Net operating income to assets | 0.7796% | 3,253 |
| Return on assets (ROA) | 0.7862% | 3,395 |
| Pretax return on assets | 1.2667% | 2,413 |
| Return on Equity (ROE) | 4.7225% | 4,651 |
| Retained earnings to average equity (ytd only) | 4.7225% | 3,362 |
| Net charge-offs to loans | 1.2464% | 1,246 |
| Credit loss provision to net charge-offs | 38.9255% | 5,274 |
| Earnings coverage of net charge-offs (x) | 1.6138% | 4,438 |
| Efficiency ratio | 52.7132% | 6,616 |
| Assets per employee ($millions) | 10.5562% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8791% | 2,675 |
| Loan loss allowance to noncurrent loans | 47.0005% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 3.4090% | 1,855 |
| Noncurrent loans to loans | 3.9981% | 1,655 |
| Net loans and leases to total assets | 80.5580% | 465 |
| Net loans and leases to deposits | 106.9498% | 230 |
| Net loans and leases to core deposits | 122.6290% | 327 |
| Total domestic deposits to total assets | 75.3232% | 6,604 |
| Equity capital to assets | 17.3634% | 453 |
| Core capital (leverage) ratio | 16.7521% | 419 |
| Tier 1 risk-based capital ratio | 25.9616% | 842 |
| Total risk-based capital ratio | 27.2254% | 820 |
| Memoranda: | ||
| Average total assets | $1,163,417,500 | 563 |
| Average earning assets | $1,097,551,250 | 539 |
| Average equity | $193,679,500 | 367 |
| Average total loans | $957,695,500 | 439 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0860% | 2,746 |
| Cost of funding earning assets | 1.3189% | 1,832 |
| Net interest margin | 3.7672% | 3,954 |
| Noninterest income to average assets | -0.1308% | 7,306 |
| Noninterest expense to average assets | 1.8009% | 7,084 |
| Loan and lease loss provision to assets | 0.5866% | 1,650 |
| Net operating income to assets | 0.6528% | 3,782 |
| Return on assets (ROA) | 0.6621% | 3,855 |
| Pretax return on assets | 1.0453% | 3,059 |
| Return on Equity (ROE) | 4.0332% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.0332% | 3,635 |
| Net charge-offs to loans | 1.5015% | 991 |
| Credit loss provision to net charge-offs | 47.4186% | 4,650 |
| Earnings coverage of net charge-offs (x) | 1.3074% | 4,302 |
| Efficiency ratio | 52.6852% | 6,745 |
| Assets per employee ($millions) | 10.9510% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 2,309 |
| Loan loss allowance to noncurrent loans | 52.1118% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 3.5588% | 1,840 |
| Noncurrent loans to loans | 3.8791% | 1,791 |
| Net loans and leases to total assets | 79.6186% | 568 |
| Net loans and leases to deposits | 107.7713% | 218 |
| Net loans and leases to core deposits | 124.2621% | 341 |
| Total domestic deposits to total assets | 73.8774% | 6,852 |
| Equity capital to assets | 16.5702% | 532 |
| Core capital (leverage) ratio | 16.1418% | 488 |
| Tier 1 risk-based capital ratio | 24.9416% | 908 |
| Total risk-based capital ratio | 26.2076% | 894 |
| Memoranda: | ||
| Average total assets | $1,171,199,000 | 570 |
| Average earning assets | $1,103,372,000 | 544 |
| Average equity | $192,254,330 | 370 |
| Average total loans | $964,924,330 | 446 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0074% | 3,076 |
| Cost of funding earning assets | 1.3158% | 2,095 |
| Net interest margin | 3.6916% | 4,150 |
| Noninterest income to average assets | -0.0690% | 7,372 |
| Noninterest expense to average assets | 1.6541% | 7,266 |
| Loan and lease loss provision to assets | 0.6610% | 1,293 |
| Net operating income to assets | 0.7041% | 3,503 |
| Return on assets (ROA) | 0.7232% | 3,478 |
| Pretax return on assets | 1.1184% | 2,687 |
| Return on Equity (ROE) | 4.4265% | 4,693 |
| Retained earnings to average equity (ytd only) | 4.4265% | 3,523 |
| Net charge-offs to loans | 2.4639% | 471 |
| Credit loss provision to net charge-offs | 32.3416% | 4,077 |
| Earnings coverage of net charge-offs (x) | 0.8563% | 3,996 |
| Efficiency ratio | 48.5901% | 7,093 |
| Assets per employee ($millions) | 11.8182% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9605% | 2,515 |
| Loan loss allowance to noncurrent loans | 52.1123% | 4,880 |
| Noncurrent assets plus other real estate owned to assets | 4.1690% | 1,583 |
| Noncurrent loans to loans | 3.7621% | 1,958 |
| Net loans and leases to total assets | 80.4344% | 474 |
| Net loans and leases to deposits | 110.1878% | 180 |
| Net loans and leases to core deposits | 127.2880% | 302 |
| Total domestic deposits to total assets | 72.9976% | 7,001 |
| Equity capital to assets | 16.2367% | 534 |
| Core capital (leverage) ratio | 16.1305% | 477 |
| Tier 1 risk-based capital ratio | 23.9724% | 976 |
| Total risk-based capital ratio | 25.2364% | 957 |
| Memoranda: | ||
| Average total assets | $1,170,921,000 | 573 |
| Average earning assets | $1,101,645,500 | 543 |
| Average equity | $191,300,500 | 371 |
| Average total loans | $971,295,000 | 452 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3628% | 2,845 |
| Cost of funding earning assets | 1.5767% | 2,206 |
| Net interest margin | 3.7861% | 4,004 |
| Noninterest income to average assets | 0.0607% | 7,057 |
| Noninterest expense to average assets | 1.8093% | 7,251 |
| Loan and lease loss provision to assets | 0.7720% | 2,122 |
| Net operating income to assets | 0.6280% | 3,546 |
| Return on assets (ROA) | 0.5637% | 3,989 |
| Pretax return on assets | 0.9538% | 3,089 |
| Return on Equity (ROE) | 3.4216% | 4,785 |
| Retained earnings to average equity (ytd only) | 3.4216% | 3,471 |
| Net charge-offs to loans | 0.1752% | 5,272 |
| Credit loss provision to net charge-offs | 535.8755% | 420 |
| Earnings coverage of net charge-offs (x) | 12.6766% | 1,479 |
| Efficiency ratio | 49.7655% | 7,142 |
| Assets per employee ($millions) | 11.9590% | 156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3697% | 1,591 |
| Loan loss allowance to noncurrent loans | 57.4730% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 4.1583% | 1,611 |
| Noncurrent loans to loans | 4.1231% | 1,753 |
| Net loans and leases to total assets | 81.8893% | 461 |
| Net loans and leases to deposits | 116.3802% | 140 |
| Net loans and leases to core deposits | 130.4857% | 325 |
| Total domestic deposits to total assets | 70.3636% | 7,217 |
| Equity capital to assets | 16.4404% | 528 |
| Core capital (leverage) ratio | 16.0647% | 503 |
| Tier 1 risk-based capital ratio | 23.7708% | 953 |
| Total risk-based capital ratio | 25.0420% | 936 |
| Memoranda: | ||
| Average total assets | $1,137,651,200 | 584 |
| Average earning assets | $1,074,166,000 | 561 |
| Average equity | $187,429,200 | 374 |
| Average total loans | $935,279,000 | 477 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3669% | 3,045 |
| Cost of funding earning assets | 1.6242% | 2,255 |
| Net interest margin | 3.7427% | 4,217 |
| Noninterest income to average assets | 0.0852% | 7,110 |
| Noninterest expense to average assets | 1.8135% | 7,312 |
| Loan and lease loss provision to assets | 0.6469% | 2,360 |
| Net operating income to assets | 0.7114% | 3,362 |
| Return on assets (ROA) | 0.7158% | 3,496 |
| Pretax return on assets | 1.1680% | 2,606 |
| Return on Equity (ROE) | 4.3427% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.3427% | 3,438 |
| Net charge-offs to loans | 0.2020% | 4,731 |
| Credit loss provision to net charge-offs | 391.5182% | 780 |
| Earnings coverage of net charge-offs (x) | 10.9416% | 1,838 |
| Efficiency ratio | 50.0764% | 7,144 |
| Assets per employee ($millions) | 12.6225% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0899% | 2,025 |
| Loan loss allowance to noncurrent loans | 58.1601% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 3.6403% | 1,956 |
| Noncurrent loans to loans | 3.5934% | 2,183 |
| Net loans and leases to total assets | 81.5848% | 550 |
| Net loans and leases to deposits | 113.0901% | 202 |
| Net loans and leases to core deposits | 127.1898% | 429 |
| Total domestic deposits to total assets | 72.1414% | 7,112 |
| Equity capital to assets | 16.5833% | 577 |
| Core capital (leverage) ratio | 16.1751% | 531 |
| Tier 1 risk-based capital ratio | 24.4573% | 898 |
| Total risk-based capital ratio | 25.7243% | 884 |
| Memoranda: | ||
| Average total assets | $1,132,057,500 | 581 |
| Average earning assets | $1,069,644,500 | 560 |
| Average equity | $186,608,250 | 373 |
| Average total loans | $925,850,250 | 485 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3861% | 3,034 |
| Cost of funding earning assets | 1.6546% | 2,363 |
| Net interest margin | 3.7315% | 4,225 |
| Noninterest income to average assets | 0.0950% | 7,117 |
| Noninterest expense to average assets | 1.8814% | 7,290 |
| Loan and lease loss provision to assets | 0.6645% | 2,173 |
| Net operating income to assets | 0.6546% | 3,609 |
| Return on assets (ROA) | 0.6613% | 3,727 |
| Pretax return on assets | 1.0810% | 2,843 |
| Return on Equity (ROE) | 4.0201% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.0201% | 3,522 |
| Net charge-offs to loans | 0.1079% | 5,082 |
| Credit loss provision to net charge-offs | 757.6923% | 490 |
| Earnings coverage of net charge-offs (x) | 19.7834% | 1,245 |
| Efficiency ratio | 52.0226% | 7,065 |
| Assets per employee ($millions) | 12.6381% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0657% | 2,041 |
| Loan loss allowance to noncurrent loans | 81.7003% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 2.7593% | 2,623 |
| Noncurrent loans to loans | 2.5283% | 3,127 |
| Net loans and leases to total assets | 78.9942% | 954 |
| Net loans and leases to deposits | 112.6981% | 224 |
| Net loans and leases to core deposits | 126.7618% | 491 |
| Total domestic deposits to total assets | 70.0937% | 7,322 |
| Equity capital to assets | 16.3466% | 619 |
| Core capital (leverage) ratio | 16.1138% | 554 |
| Tier 1 risk-based capital ratio | 25.1248% | 834 |
| Total risk-based capital ratio | 26.3918% | 815 |
| Memoranda: | ||
| Average total assets | $1,126,529,000 | 583 |
| Average earning assets | $1,063,102,330 | 564 |
| Average equity | $185,316,670 | 374 |
| Average total loans | $915,426,670 | 491 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3315% | 3,383 |
| Cost of funding earning assets | 1.6760% | 2,503 |
| Net interest margin | 3.6555% | 4,461 |
| Noninterest income to average assets | 0.0527% | 7,456 |
| Noninterest expense to average assets | 2.0776% | 6,995 |
| Loan and lease loss provision to assets | 0.4862% | 2,554 |
| Net operating income to assets | 0.5649% | 4,055 |
| Return on assets (ROA) | 0.5784% | 4,137 |
| Pretax return on assets | 0.9591% | 3,237 |
| Return on Equity (ROE) | 3.5048% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.5048% | 4,046 |
| Net charge-offs to loans | -0.1236% | 7,559 |
| Credit loss provision to net charge-offs | -482.2064% | 6,262 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3298% | 6,287 |
| Assets per employee ($millions) | 13.4970% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8910% | 2,476 |
| Loan loss allowance to noncurrent loans | 64.6682% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 3.1429% | 2,280 |
| Noncurrent loans to loans | 2.9242% | 2,753 |
| Net loans and leases to total assets | 80.3057% | 800 |
| Net loans and leases to deposits | 117.3738% | 171 |
| Net loans and leases to core deposits | 132.5889% | 427 |
| Total domestic deposits to total assets | 68.4188% | 7,505 |
| Equity capital to assets | 16.3414% | 623 |
| Core capital (leverage) ratio | 16.3513% | 526 |
| Tier 1 risk-based capital ratio | 24.7598% | 892 |
| Total risk-based capital ratio | 26.0240% | 866 |
| Memoranda: | ||
| Average total assets | $1,114,761,000 | 605 |
| Average earning assets | $1,051,777,500 | 585 |
| Average equity | $183,977,000 | 379 |
| Average total loans | $909,316,500 | 517 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4610% | 4,382 |
| Cost of funding earning assets | 2.2902% | 1,698 |
| Net interest margin | 3.1708% | 6,181 |
| Noninterest income to average assets | 0.0326% | 7,580 |
| Noninterest expense to average assets | 1.5550% | 7,791 |
| Loan and lease loss provision to assets | 0.8713% | 2,568 |
| Net operating income to assets | 0.3571% | 4,298 |
| Return on assets (ROA) | 0.3468% | 4,428 |
| Pretax return on assets | 0.5806% | 3,958 |
| Return on Equity (ROE) | 1.9805% | 4,913 |
| Retained earnings to average equity (ytd only) | 1.9805% | 3,714 |
| Net charge-offs to loans | 0.8161% | 2,787 |
| Credit loss provision to net charge-offs | 132.4548% | 3,783 |
| Earnings coverage of net charge-offs (x) | 2.2314% | 4,044 |
| Efficiency ratio | 51.4403% | 7,434 |
| Assets per employee ($millions) | 13.5281% | 133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7867% | 2,593 |
| Loan loss allowance to noncurrent loans | 56.1900% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 3.6130% | 1,847 |
| Noncurrent loans to loans | 3.1798% | 2,406 |
| Net loans and leases to total assets | 79.8254% | 1,028 |
| Net loans and leases to deposits | 118.7138% | 192 |
| Net loans and leases to core deposits | 176.7944% | 182 |
| Total domestic deposits to total assets | 67.2419% | 7,592 |
| Equity capital to assets | 16.6717% | 593 |
| Core capital (leverage) ratio | 16.6130% | 537 |
| Tier 1 risk-based capital ratio | 25.5625% | 794 |
| Total risk-based capital ratio | 26.8248% | 781 |
| Memoranda: | ||
| Average total assets | $1,026,704,000 | 654 |
| Average earning assets | $968,226,200 | 621 |
| Average equity | $179,804,200 | 383 |
| Average total loans | $827,626,400 | 562 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4584% | 4,646 |
| Cost of funding earning assets | 2.4053% | 1,618 |
| Net interest margin | 3.0531% | 6,453 |
| Noninterest income to average assets | 0.0042% | 7,820 |
| Noninterest expense to average assets | 1.5471% | 7,866 |
| Loan and lease loss provision to assets | 0.8836% | 2,177 |
| Net operating income to assets | 0.2619% | 4,943 |
| Return on assets (ROA) | 0.2481% | 5,080 |
| Pretax return on assets | 0.4328% | 4,708 |
| Return on Equity (ROE) | 1.3982% | 5,373 |
| Retained earnings to average equity (ytd only) | 1.3982% | 4,537 |
| Net charge-offs to loans | 0.8929% | 2,179 |
| Credit loss provision to net charge-offs | 123.0458% | 4,110 |
| Earnings coverage of net charge-offs (x) | 1.8633% | 4,411 |
| Efficiency ratio | 53.6211% | 7,277 |
| Assets per employee ($millions) | 13.8165% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7332% | 2,510 |
| Loan loss allowance to noncurrent loans | 45.6508% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 3.9447% | 1,636 |
| Noncurrent loans to loans | 3.7966% | 1,958 |
| Net loans and leases to total assets | 79.7961% | 1,212 |
| Net loans and leases to deposits | 118.5879% | 228 |
| Net loans and leases to core deposits | 172.8970% | 245 |
| Total domestic deposits to total assets | 67.2885% | 7,621 |
| Equity capital to assets | 17.0098% | 630 |
| Core capital (leverage) ratio | 17.0134% | 552 |
| Tier 1 risk-based capital ratio | 26.4035% | 794 |
| Total risk-based capital ratio | 27.6620% | 774 |
| Memoranda: | ||
| Average total assets | $1,009,436,000 | 673 |
| Average earning assets | $952,546,500 | 648 |
| Average equity | $179,084,250 | 392 |
| Average total loans | $811,877,750 | 581 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 4,821 |
| Cost of funding earning assets | 2.5026% | 1,604 |
| Net interest margin | 2.9617% | 6,651 |
| Noninterest income to average assets | -0.0448% | 8,005 |
| Noninterest expense to average assets | 1.5747% | 7,925 |
| Loan and lease loss provision to assets | 0.8754% | 1,925 |
| Net operating income to assets | 0.1456% | 5,429 |
| Return on assets (ROA) | 0.1467% | 5,521 |
| Pretax return on assets | 0.2994% | 5,211 |
| Return on Equity (ROE) | 0.8148% | 5,686 |
| Retained earnings to average equity (ytd only) | 0.8148% | 4,863 |
| Net charge-offs to loans | 1.2958% | 1,427 |
| Credit loss provision to net charge-offs | 84.2852% | 5,082 |
| Earnings coverage of net charge-offs (x) | 1.1296% | 4,678 |
| Efficiency ratio | 57.3054% | 6,958 |
| Assets per employee ($millions) | 14.3619% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 2,913 |
| Loan loss allowance to noncurrent loans | 38.9373% | 5,810 |
| Noncurrent assets plus other real estate owned to assets | 3.9709% | 1,503 |
| Noncurrent loans to loans | 4.0060% | 1,691 |
| Net loans and leases to total assets | 77.7242% | 1,814 |
| Net loans and leases to deposits | 117.0484% | 299 |
| Net loans and leases to core deposits | 168.4592% | 340 |
| Total domestic deposits to total assets | 66.4034% | 7,714 |
| Equity capital to assets | 17.0939% | 650 |
| Core capital (leverage) ratio | 17.8482% | 522 |
| Tier 1 risk-based capital ratio | 26.2009% | 841 |
| Total risk-based capital ratio | 27.4588% | 818 |
| Memoranda: | ||
| Average total assets | $991,291,670 | 701 |
| Average earning assets | $934,723,330 | 677 |
| Average equity | $178,458,330 | 396 |
| Average total loans | $794,537,330 | 612 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6329% | 4,151 |
| Cost of funding earning assets | 2.6467% | 1,426 |
| Net interest margin | 2.9862% | 6,518 |
| Noninterest income to average assets | -0.1961% | 8,162 |
| Noninterest expense to average assets | 1.4160% | 8,036 |
| Loan and lease loss provision to assets | 0.9747% | 1,333 |
| Net operating income to assets | 0.0233% | 6,197 |
| Return on assets (ROA) | 0.0233% | 6,357 |
| Pretax return on assets | 0.2277% | 5,877 |
| Return on Equity (ROE) | 0.1258% | 6,385 |
| Retained earnings to average equity (ytd only) | 0.1258% | 5,610 |
| Net charge-offs to loans | 1.8326% | 790 |
| Credit loss provision to net charge-offs | 65.8249% | 4,423 |
| Earnings coverage of net charge-offs (x) | 0.8120% | 4,379 |
| Efficiency ratio | 54.0781% | 7,209 |
| Assets per employee ($millions) | 14.2228% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5876% | 2,569 |
| Loan loss allowance to noncurrent loans | 65.8191% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 2.8050% | 2,030 |
| Noncurrent loans to loans | 2.4120% | 2,734 |
| Net loans and leases to total assets | 78.9765% | 1,587 |
| Net loans and leases to deposits | 124.3341% | 212 |
| Net loans and leases to core deposits | 181.8900% | 223 |
| Total domestic deposits to total assets | 63.5196% | 7,865 |
| Equity capital to assets | 18.1593% | 591 |
| Core capital (leverage) ratio | 18.5919% | 484 |
| Tier 1 risk-based capital ratio | 27.7709% | 772 |
| Total risk-based capital ratio | 29.0295% | 751 |
| Memoranda: | ||
| Average total assets | $962,727,500 | 722 |
| Average earning assets | $907,382,000 | 694 |
| Average equity | $178,079,500 | 399 |
| Average total loans | $777,912,000 | 636 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0118% | 5,493 |
| Cost of funding earning assets | 2.8254% | 2,603 |
| Net interest margin | 3.1864% | 6,403 |
| Noninterest income to average assets | 0.0850% | 7,714 |
| Noninterest expense to average assets | 1.7551% | 7,809 |
| Loan and lease loss provision to assets | 0.5992% | 2,430 |
| Net operating income to assets | 0.5910% | 4,342 |
| Return on assets (ROA) | 0.5926% | 4,201 |
| Pretax return on assets | 0.7493% | 4,247 |
| Return on Equity (ROE) | 2.7768% | 5,310 |
| Retained earnings to average equity (ytd only) | 2.7768% | 3,451 |
| Net charge-offs to loans | 0.0583% | 5,943 |
| Credit loss provision to net charge-offs | 1,277.2610% | 357 |
| Earnings coverage of net charge-offs (x) | 28.7003% | 1,204 |
| Efficiency ratio | 56.5895% | 6,930 |
| Assets per employee ($millions) | 14.3043% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7860% | 1,662 |
| Loan loss allowance to noncurrent loans | 58.5592% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 3.1995% | 1,428 |
| Noncurrent loans to loans | 3.0499% | 1,751 |
| Net loans and leases to total assets | 79.9238% | 1,682 |
| Net loans and leases to deposits | 130.9672% | 199 |
| Net loans and leases to core deposits | 189.2176% | 221 |
| Total domestic deposits to total assets | 61.0258% | 7,928 |
| Equity capital to assets | 18.8488% | 564 |
| Core capital (leverage) ratio | 19.4257% | 478 |
| Tier 1 risk-based capital ratio | 28.6814% | 720 |
| Total risk-based capital ratio | 29.9433% | 708 |
| Memoranda: | ||
| Average total assets | $824,957,400 | 823 |
| Average earning assets | $780,982,200 | 788 |
| Average equity | $176,064,000 | 409 |
| Average total loans | $663,519,800 | 713 |