Home > Newtown Savings Bank > Performance and Condition Ratios
Newtown Savings Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6705% | 3,392 |
| Cost of funding earning assets | 2.1336% | 1,702 |
| Net interest margin | 2.5370% | 3,820 |
| Noninterest income to average assets | 0.5000% | 1,781 |
| Noninterest expense to average assets | 2.4447% | 2,397 |
| Loan and lease loss provision to assets | 0.0800% | 1,272 |
| Net operating income to assets | 0.2901% | 3,842 |
| Return on assets (ROA) | 0.2792% | 3,892 |
| Pretax return on assets | 0.3416% | 3,857 |
| Return on Equity (ROE) | 3.8100% | 3,712 |
| Retained earnings to average equity (ytd only) | 3.8065% | 2,763 |
| Net charge-offs to loans | 0.0387% | 1,144 |
| Credit loss provision to net charge-offs | 242.3077% | 743 |
| Earnings coverage of net charge-offs (x) | 15.7000% | 1,452 |
| Efficiency ratio | 84.7573% | 858 |
| Assets per employee ($millions) | 7.6845% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4271% | 1,298 |
| Loan loss allowance to noncurrent loans | 204.6499% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5010% | 1,264 |
| Noncurrent loans to loans | 0.6973% | 1,273 |
| Net loans and leases to total assets | 70.8200% | 1,709 |
| Net loans and leases to deposits | 88.7439% | 1,292 |
| Net loans and leases to core deposits | 95.0874% | 1,695 |
| Total domestic deposits to total assets | 79.8000% | 3,548 |
| Equity capital to assets | 7.3067% | 3,763 |
| Core capital (leverage) ratio | 8.0847% | 4,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5280% | 1,391 |
| Memoranda: | ||
| Average total assets | $1,856,946,000 | 627 |
| Average earning assets | $1,743,009,000 | 609 |
| Average equity | $136,189,500 | 782 |
| Average total loans | $1,343,929,000 | 594 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4184% | 3,246 |
| Cost of funding earning assets | 1.6916% | 1,469 |
| Net interest margin | 2.7268% | 3,778 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.5075% | 2,276 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 0.3431% | 3,967 |
| Return on assets (ROA) | 0.3467% | 3,954 |
| Pretax return on assets | 0.4230% | 3,929 |
| Return on Equity (ROE) | 4.8700% | 3,748 |
| Retained earnings to average equity (ytd only) | 4.8729% | 2,645 |
| Net charge-offs to loans | 0.0384% | 1,543 |
| Credit loss provision to net charge-offs | 779.2961% | 490 |
| Earnings coverage of net charge-offs (x) | 23.9130% | 1,779 |
| Efficiency ratio | 80.0380% | 915 |
| Assets per employee ($millions) | 7.6940% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 1,367 |
| Loan loss allowance to noncurrent loans | 220.6704% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 1,203 |
| Noncurrent loans to loans | 0.6382% | 1,235 |
| Net loans and leases to total assets | 71.8800% | 1,596 |
| Net loans and leases to deposits | 89.9788% | 1,266 |
| Net loans and leases to core deposits | 94.5430% | 1,736 |
| Total domestic deposits to total assets | 79.8900% | 3,483 |
| Equity capital to assets | 7.3617% | 3,785 |
| Core capital (leverage) ratio | 8.0301% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9705% | 1,541 |
| Memoranda: | ||
| Average total assets | $1,846,857,600 | 610 |
| Average earning assets | $1,735,867,400 | 595 |
| Average equity | $131,399,400 | 755 |
| Average total loans | $1,259,382,400 | 606 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 3,206 |
| Cost of funding earning assets | 1.5735% | 1,424 |
| Net interest margin | 2.7686% | 3,780 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.5547% | 2,069 |
| Loan and lease loss provision to assets | 0.2700% | 361 |
| Net operating income to assets | 0.2769% | 4,143 |
| Return on assets (ROA) | 0.2662% | 4,159 |
| Pretax return on assets | 0.3204% | 4,147 |
| Return on Equity (ROE) | 3.7700% | 4,013 |
| Retained earnings to average equity (ytd only) | 3.7738% | 3,318 |
| Net charge-offs to loans | 0.0324% | 1,432 |
| Credit loss provision to net charge-offs | 1,140.8638% | 374 |
| Earnings coverage of net charge-offs (x) | 27.5415% | 1,638 |
| Efficiency ratio | 81.0202% | 804 |
| Assets per employee ($millions) | 7.4713% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4299% | 1,335 |
| Loan loss allowance to noncurrent loans | 212.7092% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 0.4842% | 1,194 |
| Noncurrent loans to loans | 0.6722% | 1,229 |
| Net loans and leases to total assets | 70.2700% | 1,794 |
| Net loans and leases to deposits | 85.1668% | 1,641 |
| Net loans and leases to core deposits | 92.8768% | 1,745 |
| Total domestic deposits to total assets | 82.5100% | 3,115 |
| Equity capital to assets | 6.9944% | 3,613 |
| Core capital (leverage) ratio | 7.7593% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0011% | 1,566 |
| Memoranda: | ||
| Average total assets | $1,846,931,500 | 613 |
| Average earning assets | $1,738,381,750 | 594 |
| Average equity | $130,264,750 | 758 |
| Average total loans | $1,237,657,500 | 612 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2395% | 3,210 |
| Cost of funding earning assets | 1.3780% | 1,512 |
| Net interest margin | 2.8615% | 3,711 |
| Noninterest income to average assets | 0.5300% | 1,751 |
| Noninterest expense to average assets | 2.5998% | 1,932 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.4240% | 3,957 |
| Return on assets (ROA) | 0.4239% | 3,963 |
| Pretax return on assets | 0.5055% | 3,959 |
| Return on Equity (ROE) | 5.9900% | 3,690 |
| Retained earnings to average equity (ytd only) | 5.9942% | 2,623 |
| Net charge-offs to loans | 0.0256% | 1,374 |
| Credit loss provision to net charge-offs | 582.5806% | 592 |
| Earnings coverage of net charge-offs (x) | 37.1871% | 1,442 |
| Efficiency ratio | 80.6441% | 802 |
| Assets per employee ($millions) | 7.4672% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,004 |
| Loan loss allowance to noncurrent loans | 2,005.7387% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0493% | 3,284 |
| Noncurrent loans to loans | 0.0639% | 3,247 |
| Net loans and leases to total assets | 68.5700% | 1,902 |
| Net loans and leases to deposits | 87.3961% | 1,393 |
| Net loans and leases to core deposits | 88.4997% | 1,897 |
| Total domestic deposits to total assets | 78.4600% | 3,789 |
| Equity capital to assets | 7.1779% | 3,702 |
| Core capital (leverage) ratio | 8.0063% | 4,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2757% | 1,490 |
| Memoranda: | ||
| Average total assets | $1,847,435,000 | 604 |
| Average earning assets | $1,738,517,333 | 585 |
| Average equity | $130,660,667 | 753 |
| Average total loans | $1,211,680,667 | 614 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1888% | 3,070 |
| Cost of funding earning assets | 1.2622% | 1,318 |
| Net interest margin | 2.9266% | 3,744 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 2.4427% | 2,390 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.6647% | 3,543 |
| Return on assets (ROA) | 0.6808% | 3,463 |
| Pretax return on assets | 0.8338% | 3,383 |
| Return on Equity (ROE) | 9.7000% | 2,876 |
| Retained earnings to average equity (ytd only) | 9.6983% | 1,770 |
| Net charge-offs to loans | -0.0044% | 3,595 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.4004% | 1,296 |
| Assets per employee ($millions) | 7.6193% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 1,993 |
| Loan loss allowance to noncurrent loans | 1,508.6998% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 3,185 |
| Noncurrent loans to loans | 0.0867% | 3,119 |
| Net loans and leases to total assets | 64.2900% | 2,219 |
| Net loans and leases to deposits | 75.0613% | 2,202 |
| Net loans and leases to core deposits | 75.8374% | 2,545 |
| Total domestic deposits to total assets | 85.6500% | 2,690 |
| Equity capital to assets | 7.1689% | 3,749 |
| Core capital (leverage) ratio | 7.7413% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9999% | 1,370 |
| Memoranda: | ||
| Average total assets | $1,848,950,000 | 617 |
| Average earning assets | $1,740,166,000 | 598 |
| Average equity | $129,796,500 | 764 |
| Average total loans | $1,176,926,000 | 633 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1353% | 3,933 |
| Cost of funding earning assets | 0.5290% | 1,215 |
| Net interest margin | 2.6063% | 4,164 |
| Noninterest income to average assets | 0.7100% | 1,267 |
| Noninterest expense to average assets | 2.4740% | 2,199 |
| Loan and lease loss provision to assets | -0.1000% | 4,534 |
| Net operating income to assets | 0.6504% | 3,756 |
| Return on assets (ROA) | 0.6180% | 3,787 |
| Pretax return on assets | 0.7617% | 3,714 |
| Return on Equity (ROE) | 9.2500% | 3,048 |
| Retained earnings to average equity (ytd only) | 9.2514% | 1,406 |
| Net charge-offs to loans | 0.0049% | 2,257 |
| Credit loss provision to net charge-offs | -3,906.2500% | 4,703 |
| Earnings coverage of net charge-offs (x) | 266.5625% | 534 |
| Efficiency ratio | 77.9655% | 852 |
| Assets per employee ($millions) | 7.8571% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4694% | 1,293 |
| Loan loss allowance to noncurrent loans | 1,509.7583% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0637% | 3,167 |
| Noncurrent loans to loans | 0.0973% | 3,067 |
| Net loans and leases to total assets | 61.2500% | 2,522 |
| Net loans and leases to deposits | 70.4628% | 2,540 |
| Net loans and leases to core deposits | 71.3472% | 2,769 |
| Total domestic deposits to total assets | 86.9200% | 2,413 |
| Equity capital to assets | 6.8707% | 3,728 |
| Core capital (leverage) ratio | 7.3946% | 4,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7987% | 1,412 |
| Memoranda: | ||
| Average total assets | $1,829,958,600 | 598 |
| Average earning assets | $1,727,568,600 | 583 |
| Average equity | $122,241,600 | 801 |
| Average total loans | $985,421,200 | 693 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8562% | 4,119 |
| Cost of funding earning assets | 0.3939% | 1,333 |
| Net interest margin | 2.4623% | 4,247 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.3980% | 2,341 |
| Loan and lease loss provision to assets | -0.1400% | 4,624 |
| Net operating income to assets | 0.4684% | 4,134 |
| Return on assets (ROA) | 0.4238% | 4,145 |
| Pretax return on assets | 0.5178% | 4,120 |
| Return on Equity (ROE) | 6.3900% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.3909% | 2,598 |
| Net charge-offs to loans | 0.0083% | 1,831 |
| Credit loss provision to net charge-offs | -3,177.9661% | 4,744 |
| Earnings coverage of net charge-offs (x) | 101.0169% | 946 |
| Efficiency ratio | 84.6388% | 509 |
| Assets per employee ($millions) | 8.3369% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 933 |
| Loan loss allowance to noncurrent loans | 1,116.8323% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 3,096 |
| Noncurrent loans to loans | 0.1490% | 2,865 |
| Net loans and leases to total assets | 51.7200% | 3,308 |
| Net loans and leases to deposits | 59.4389% | 3,247 |
| Net loans and leases to core deposits | 60.1729% | 3,370 |
| Total domestic deposits to total assets | 87.0100% | 2,760 |
| Equity capital to assets | 6.0429% | 3,947 |
| Core capital (leverage) ratio | 7.0891% | 4,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5956% | 1,260 |
| Memoranda: | ||
| Average total assets | $1,825,845,750 | 603 |
| Average earning assets | $1,725,868,250 | 582 |
| Average equity | $121,086,500 | 820 |
| Average total loans | $944,849,500 | 721 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5887% | 4,283 |
| Cost of funding earning assets | 0.2708% | 2,019 |
| Net interest margin | 2.3179% | 4,322 |
| Noninterest income to average assets | 0.5045% | 2,175 |
| Noninterest expense to average assets | 2.4078% | 2,204 |
| Loan and lease loss provision to assets | -0.1395% | 4,640 |
| Net operating income to assets | 0.3568% | 4,196 |
| Return on assets (ROA) | 0.3110% | 4,220 |
| Pretax return on assets | 0.3743% | 4,199 |
| Return on Equity (ROE) | 4.5444% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.5444% | 2,864 |
| Net charge-offs to loans | -0.0072% | 3,459 |
| Credit loss provision to net charge-offs | 3,787.8788% | 141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2473% | 440 |
| Assets per employee ($millions) | 7.5851% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 718 |
| Loan loss allowance to noncurrent loans | 862.9666% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 2,902 |
| Noncurrent loans to loans | 0.2161% | 2,636 |
| Net loans and leases to total assets | 50.5784% | 3,317 |
| Net loans and leases to deposits | 59.3967% | 3,100 |
| Net loans and leases to core deposits | 60.0730% | 3,270 |
| Total domestic deposits to total assets | 85.1536% | 3,451 |
| Equity capital to assets | 6.5159% | 4,015 |
| Core capital (leverage) ratio | 7.3397% | 4,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9209% | 1,200 |
| Memoranda: | ||
| Average total assets | $1,792,521,000 | 607 |
| Average earning assets | $1,696,193,667 | 590 |
| Average equity | $122,656,667 | 814 |
| Average total loans | $922,180,667 | 721 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4744% | 4,301 |
| Cost of funding earning assets | 0.2362% | 2,306 |
| Net interest margin | 2.2382% | 4,304 |
| Noninterest income to average assets | 0.4904% | 2,191 |
| Noninterest expense to average assets | 2.3739% | 2,256 |
| Loan and lease loss provision to assets | -0.1409% | 4,640 |
| Net operating income to assets | 0.3188% | 4,107 |
| Return on assets (ROA) | 0.2635% | 4,186 |
| Pretax return on assets | 0.3142% | 4,168 |
| Return on Equity (ROE) | 3.7580% | 3,935 |
| Retained earnings to average equity (ytd only) | 3.7580% | 3,026 |
| Net charge-offs to loans | -0.0092% | 3,553 |
| Credit loss provision to net charge-offs | 2,976.1905% | 151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8487% | 511 |
| Assets per employee ($millions) | 7.7978% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 622 |
| Loan loss allowance to noncurrent loans | 990.8992% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1231% | 2,954 |
| Noncurrent loans to loans | 0.2014% | 2,817 |
| Net loans and leases to total assets | 49.5845% | 3,214 |
| Net loans and leases to deposits | 58.3943% | 3,042 |
| Net loans and leases to core deposits | 59.0861% | 3,231 |
| Total domestic deposits to total assets | 84.9131% | 3,557 |
| Equity capital to assets | 6.7680% | 4,311 |
| Core capital (leverage) ratio | 7.4192% | 4,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0983% | 1,235 |
| Memoranda: | ||
| Average total assets | $1,774,774,500 | 610 |
| Average earning assets | $1,683,137,500 | 594 |
| Average equity | $124,429,500 | 832 |
| Average total loans | $912,195,500 | 719 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7611% | 4,254 |
| Cost of funding earning assets | 0.2745% | 2,655 |
| Net interest margin | 2.4866% | 4,208 |
| Noninterest income to average assets | 1.0823% | 879 |
| Noninterest expense to average assets | 2.8298% | 1,289 |
| Loan and lease loss provision to assets | -0.1053% | 4,540 |
| Net operating income to assets | 0.5770% | 3,926 |
| Return on assets (ROA) | 0.5691% | 3,984 |
| Pretax return on assets | 0.7047% | 3,920 |
| Return on Equity (ROE) | 7.7423% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.7423% | 1,642 |
| Net charge-offs to loans | 0.0237% | 1,769 |
| Credit loss provision to net charge-offs | -751.0730% | 3,858 |
| Earnings coverage of net charge-offs (x) | 43.4549% | 1,386 |
| Efficiency ratio | 82.2859% | 656 |
| Assets per employee ($millions) | 7.5356% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 562 |
| Loan loss allowance to noncurrent loans | 673.3692% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,693 |
| Noncurrent loans to loans | 0.3056% | 2,496 |
| Net loans and leases to total assets | 51.1515% | 3,157 |
| Net loans and leases to deposits | 60.6029% | 3,025 |
| Net loans and leases to core deposits | 61.2921% | 3,218 |
| Total domestic deposits to total assets | 84.4044% | 3,446 |
| Equity capital to assets | 7.2614% | 4,661 |
| Core capital (leverage) ratio | 7.6659% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8737% | 1,292 |
| Memoranda: | ||
| Average total assets | $1,662,085,200 | 631 |
| Average earning assets | $1,575,205,200 | 609 |
| Average equity | $122,173,000 | 849 |
| Average total loans | $982,619,800 | 670 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8114% | 4,289 |
| Cost of funding earning assets | 0.2901% | 2,686 |
| Net interest margin | 2.5213% | 4,236 |
| Noninterest income to average assets | 1.1663% | 844 |
| Noninterest expense to average assets | 2.7730% | 1,400 |
| Loan and lease loss provision to assets | 0.0610% | 1,776 |
| Net operating income to assets | 0.5808% | 4,040 |
| Return on assets (ROA) | 0.5738% | 4,098 |
| Pretax return on assets | 0.7095% | 4,050 |
| Return on Equity (ROE) | 7.7808% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.7808% | 2,122 |
| Net charge-offs to loans | 0.0331% | 1,408 |
| Credit loss provision to net charge-offs | 302.4194% | 1,000 |
| Earnings coverage of net charge-offs (x) | 38.6532% | 1,390 |
| Efficiency ratio | 78.0671% | 870 |
| Assets per employee ($millions) | 7.1057% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2822% | 405 |
| Loan loss allowance to noncurrent loans | 668.9308% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2054% | 2,757 |
| Noncurrent loans to loans | 0.3412% | 2,560 |
| Net loans and leases to total assets | 53.4085% | 3,034 |
| Net loans and leases to deposits | 63.2273% | 2,932 |
| Net loans and leases to core deposits | 64.3330% | 3,105 |
| Total domestic deposits to total assets | 84.4707% | 3,314 |
| Equity capital to assets | 7.2810% | 4,758 |
| Core capital (leverage) ratio | 7.6547% | 4,643 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7374% | 1,412 |
| Memoranda: | ||
| Average total assets | $1,640,539,750 | 640 |
| Average earning assets | $1,552,377,500 | 623 |
| Average equity | $120,979,000 | 871 |
| Average total loans | $1,000,011,750 | 672 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8719% | 4,259 |
| Cost of funding earning assets | 0.3103% | 2,672 |
| Net interest margin | 2.5616% | 4,232 |
| Noninterest income to average assets | 1.2302% | 769 |
| Noninterest expense to average assets | 2.8048% | 1,344 |
| Loan and lease loss provision to assets | 0.0927% | 1,351 |
| Net operating income to assets | 0.6075% | 3,968 |
| Return on assets (ROA) | 0.5994% | 4,039 |
| Pretax return on assets | 0.7418% | 3,988 |
| Return on Equity (ROE) | 8.0923% | 3,387 |
| Retained earnings to average equity (ytd only) | 8.0923% | 2,045 |
| Net charge-offs to loans | 0.0499% | 1,125 |
| Credit loss provision to net charge-offs | 294.1176% | 900 |
| Earnings coverage of net charge-offs (x) | 26.8078% | 1,375 |
| Efficiency ratio | 76.8585% | 1,002 |
| Assets per employee ($millions) | 6.5707% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1795% | 443 |
| Loan loss allowance to noncurrent loans | 568.8871% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 2,666 |
| Noncurrent loans to loans | 0.3831% | 2,528 |
| Net loans and leases to total assets | 59.0470% | 2,535 |
| Net loans and leases to deposits | 71.0064% | 2,305 |
| Net loans and leases to core deposits | 72.3654% | 2,575 |
| Total domestic deposits to total assets | 83.1574% | 3,672 |
| Equity capital to assets | 7.5459% | 4,722 |
| Core capital (leverage) ratio | 7.7652% | 4,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1327% | 1,589 |
| Memoranda: | ||
| Average total assets | $1,618,927,000 | 639 |
| Average earning assets | $1,528,872,333 | 622 |
| Average equity | $119,916,000 | 870 |
| Average total loans | $1,022,652,667 | 660 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9705% | 4,146 |
| Cost of funding earning assets | 0.3276% | 2,731 |
| Net interest margin | 2.6430% | 4,069 |
| Noninterest income to average assets | 1.1628% | 897 |
| Noninterest expense to average assets | 2.7804% | 1,406 |
| Loan and lease loss provision to assets | 0.1852% | 661 |
| Net operating income to assets | 0.5582% | 4,051 |
| Return on assets (ROA) | 0.5394% | 4,136 |
| Pretax return on assets | 0.6661% | 4,087 |
| Return on Equity (ROE) | 7.3514% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.3514% | 2,465 |
| Net charge-offs to loans | 0.0585% | 932 |
| Credit loss provision to net charge-offs | 490.1961% | 601 |
| Earnings coverage of net charge-offs (x) | 23.1503% | 1,197 |
| Efficiency ratio | 76.0740% | 1,126 |
| Assets per employee ($millions) | 6.7774% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0527% | 539 |
| Loan loss allowance to noncurrent loans | 439.8312% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3107% | 2,586 |
| Noncurrent loans to loans | 0.4667% | 2,457 |
| Net loans and leases to total assets | 61.1508% | 2,384 |
| Net loans and leases to deposits | 74.8162% | 2,038 |
| Net loans and leases to core deposits | 76.2811% | 2,325 |
| Total domestic deposits to total assets | 81.7347% | 3,948 |
| Equity capital to assets | 7.1429% | 4,810 |
| Core capital (leverage) ratio | 7.7106% | 4,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4262% | 1,765 |
| Memoranda: | ||
| Average total assets | $1,620,198,000 | 632 |
| Average earning assets | $1,527,674,500 | 618 |
| Average equity | $118,888,500 | 871 |
| Average total loans | $1,046,133,000 | 644 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5324% | 3,962 |
| Cost of funding earning assets | 0.5663% | 2,529 |
| Net interest margin | 2.9661% | 3,970 |
| Noninterest income to average assets | 1.6875% | 444 |
| Noninterest expense to average assets | 2.9814% | 1,474 |
| Loan and lease loss provision to assets | 0.7796% | 165 |
| Net operating income to assets | 0.5818% | 3,808 |
| Return on assets (ROA) | 0.5864% | 3,901 |
| Pretax return on assets | 0.7241% | 3,830 |
| Return on Equity (ROE) | 7.8040% | 2,891 |
| Retained earnings to average equity (ytd only) | 7.8040% | 1,114 |
| Net charge-offs to loans | 0.1076% | 1,398 |
| Credit loss provision to net charge-offs | 1,002.5510% | 777 |
| Earnings coverage of net charge-offs (x) | 19.2653% | 1,992 |
| Efficiency ratio | 66.5579% | 2,438 |
| Assets per employee ($millions) | 6.4739% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9755% | 626 |
| Loan loss allowance to noncurrent loans | 314.5064% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 2,250 |
| Noncurrent loans to loans | 0.6281% | 2,123 |
| Net loans and leases to total assets | 65.5116% | 2,157 |
| Net loans and leases to deposits | 81.5176% | 1,708 |
| Net loans and leases to core deposits | 83.3804% | 2,089 |
| Total domestic deposits to total assets | 80.3649% | 3,988 |
| Equity capital to assets | 7.5446% | 4,832 |
| Core capital (leverage) ratio | 7.7841% | 4,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3036% | 1,742 |
| Memoranda: | ||
| Average total assets | $1,512,405,400 | 611 |
| Average earning assets | $1,423,566,200 | 595 |
| Average equity | $113,646,200 | 867 |
| Average total loans | $1,093,307,000 | 588 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 4,045 |
| Cost of funding earning assets | 0.6261% | 2,450 |
| Net interest margin | 2.9610% | 4,070 |
| Noninterest income to average assets | 1.4323% | 555 |
| Noninterest expense to average assets | 2.9214% | 1,645 |
| Loan and lease loss provision to assets | 0.7483% | 264 |
| Net operating income to assets | 0.4489% | 4,169 |
| Return on assets (ROA) | 0.4564% | 4,223 |
| Pretax return on assets | 0.5621% | 4,170 |
| Return on Equity (ROE) | 6.0801% | 3,530 |
| Retained earnings to average equity (ytd only) | 6.0801% | 2,074 |
| Net charge-offs to loans | 0.1309% | 1,097 |
| Credit loss provision to net charge-offs | 775.1845% | 1,003 |
| Earnings coverage of net charge-offs (x) | 13.4788% | 2,200 |
| Efficiency ratio | 69.1862% | 2,009 |
| Assets per employee ($millions) | 6.4345% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5634% | 1,199 |
| Loan loss allowance to noncurrent loans | 272.8337% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4317% | 2,451 |
| Noncurrent loans to loans | 0.5730% | 2,368 |
| Net loans and leases to total assets | 70.0803% | 1,941 |
| Net loans and leases to deposits | 89.0309% | 1,365 |
| Net loans and leases to core deposits | 91.2726% | 1,859 |
| Total domestic deposits to total assets | 78.7146% | 4,100 |
| Equity capital to assets | 7.4018% | 4,879 |
| Core capital (leverage) ratio | 7.4918% | 4,865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6325% | 1,956 |
| Memoranda: | ||
| Average total assets | $1,497,217,750 | 602 |
| Average earning assets | $1,410,903,750 | 585 |
| Average equity | $112,385,750 | 869 |
| Average total loans | $1,103,791,500 | 574 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6777% | 4,131 |
| Cost of funding earning assets | 0.6964% | 2,405 |
| Net interest margin | 2.9813% | 4,169 |
| Noninterest income to average assets | 1.1148% | 801 |
| Noninterest expense to average assets | 2.9254% | 1,771 |
| Loan and lease loss provision to assets | 0.8439% | 277 |
| Net operating income to assets | 0.1295% | 4,652 |
| Return on assets (ROA) | 0.1415% | 4,675 |
| Pretax return on assets | 0.1671% | 4,664 |
| Return on Equity (ROE) | 1.8756% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.8756% | 3,807 |
| Net charge-offs to loans | 0.1647% | 909 |
| Credit loss provision to net charge-offs | 686.7403% | 1,014 |
| Earnings coverage of net charge-offs (x) | 8.1127% | 2,317 |
| Efficiency ratio | 74.5837% | 1,409 |
| Assets per employee ($millions) | 6.7072% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 1,765 |
| Loan loss allowance to noncurrent loans | 178.1797% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6478% | 1,882 |
| Noncurrent loans to loans | 0.7592% | 1,985 |
| Net loans and leases to total assets | 68.9179% | 2,198 |
| Net loans and leases to deposits | 95.1511% | 861 |
| Net loans and leases to core deposits | 99.3926% | 1,299 |
| Total domestic deposits to total assets | 72.4300% | 4,690 |
| Equity capital to assets | 6.8517% | 4,990 |
| Core capital (leverage) ratio | 7.4428% | 4,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7993% | 2,270 |
| Memoranda: | ||
| Average total assets | $1,472,953,333 | 602 |
| Average earning assets | $1,387,109,667 | 580 |
| Average equity | $111,111,333 | 869 |
| Average total loans | $1,099,140,667 | 570 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 3,844 |
| Cost of funding earning assets | 0.8303% | 2,223 |
| Net interest margin | 3.1511% | 3,979 |
| Noninterest income to average assets | 0.8120% | 1,276 |
| Noninterest expense to average assets | 3.0838% | 1,678 |
| Loan and lease loss provision to assets | 0.6492% | 413 |
| Net operating income to assets | 0.0352% | 4,727 |
| Return on assets (ROA) | 0.0529% | 4,703 |
| Pretax return on assets | 0.0575% | 4,696 |
| Return on Equity (ROE) | 0.6655% | 4,671 |
| Retained earnings to average equity (ytd only) | 0.6655% | 3,824 |
| Net charge-offs to loans | 0.3016% | 484 |
| Credit loss provision to net charge-offs | 278.0788% | 1,229 |
| Earnings coverage of net charge-offs (x) | 2.9446% | 2,244 |
| Efficiency ratio | 81.7704% | 990 |
| Assets per employee ($millions) | 5.8396% | 1,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 3,313 |
| Loan loss allowance to noncurrent loans | 180.9702% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 2,254 |
| Noncurrent loans to loans | 0.5967% | 2,505 |
| Net loans and leases to total assets | 73.3855% | 1,715 |
| Net loans and leases to deposits | 99.3629% | 595 |
| Net loans and leases to core deposits | 102.9359% | 1,251 |
| Total domestic deposits to total assets | 73.8560% | 4,671 |
| Equity capital to assets | 7.6635% | 5,019 |
| Core capital (leverage) ratio | 8.4087% | 4,837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3534% | 2,548 |
| Memoranda: | ||
| Average total assets | $1,391,153,500 | 605 |
| Average earning assets | $1,306,479,000 | 591 |
| Average equity | $110,601,000 | 867 |
| Average total loans | $1,077,039,000 | 558 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 3,689 |
| Cost of funding earning assets | 0.9700% | 1,860 |
| Net interest margin | 3.2773% | 4,031 |
| Noninterest income to average assets | 0.9494% | 1,072 |
| Noninterest expense to average assets | 3.1267% | 1,698 |
| Loan and lease loss provision to assets | 0.2149% | 926 |
| Net operating income to assets | 0.5490% | 4,289 |
| Return on assets (ROA) | 0.5550% | 4,332 |
| Pretax return on assets | 0.6873% | 4,233 |
| Return on Equity (ROE) | 6.9869% | 3,549 |
| Retained earnings to average equity (ytd only) | 6.9869% | 1,396 |
| Net charge-offs to loans | 0.1854% | 1,091 |
| Credit loss provision to net charge-offs | 142.1446% | 1,816 |
| Earnings coverage of net charge-offs (x) | 5.9177% | 3,030 |
| Efficiency ratio | 77.7505% | 1,174 |
| Assets per employee ($millions) | 5.3363% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 3,778 |
| Loan loss allowance to noncurrent loans | 102.1319% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7654% | 1,692 |
| Noncurrent loans to loans | 0.9210% | 1,669 |
| Net loans and leases to total assets | 80.1699% | 760 |
| Net loans and leases to deposits | 103.6342% | 393 |
| Net loans and leases to core deposits | 107.4317% | 1,013 |
| Total domestic deposits to total assets | 77.3586% | 4,454 |
| Equity capital to assets | 8.2616% | 4,994 |
| Core capital (leverage) ratio | 8.4741% | 4,856 |
| Tier 1 risk-based capital ratio | 12.1966% | 4,244 |
| Total risk-based capital ratio | 13.2960% | 4,209 |
| Memoranda: | ||
| Average total assets | $1,326,057,800 | 610 |
| Average earning assets | $1,243,045,800 | 597 |
| Average equity | $105,339,800 | 865 |
| Average total loans | $1,081,722,600 | 536 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 3,783 |
| Cost of funding earning assets | 0.9813% | 1,842 |
| Net interest margin | 3.2784% | 4,128 |
| Noninterest income to average assets | 0.8387% | 1,310 |
| Noninterest expense to average assets | 3.1604% | 1,553 |
| Loan and lease loss provision to assets | 0.2089% | 839 |
| Net operating income to assets | 0.4361% | 4,647 |
| Return on assets (ROA) | 0.4456% | 4,667 |
| Pretax return on assets | 0.5539% | 4,618 |
| Return on Equity (ROE) | 5.6664% | 4,139 |
| Retained earnings to average equity (ytd only) | 5.6664% | 2,526 |
| Net charge-offs to loans | 0.1816% | 943 |
| Credit loss provision to net charge-offs | 140.7734% | 1,716 |
| Earnings coverage of net charge-offs (x) | 5.0597% | 2,959 |
| Efficiency ratio | 80.7996% | 852 |
| Assets per employee ($millions) | 5.0746% | 2,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9075% | 4,007 |
| Loan loss allowance to noncurrent loans | 122.3100% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.6307% | 2,107 |
| Noncurrent loans to loans | 0.7419% | 2,108 |
| Net loans and leases to total assets | 80.7904% | 733 |
| Net loans and leases to deposits | 102.2409% | 498 |
| Net loans and leases to core deposits | 105.9816% | 1,186 |
| Total domestic deposits to total assets | 79.0197% | 4,185 |
| Equity capital to assets | 8.0429% | 5,117 |
| Core capital (leverage) ratio | 8.2951% | 5,034 |
| Tier 1 risk-based capital ratio | 11.8793% | 4,471 |
| Total risk-based capital ratio | 12.9551% | 4,470 |
| Memoranda: | ||
| Average total assets | $1,324,050,750 | 609 |
| Average earning assets | $1,240,969,250 | 599 |
| Average equity | $104,120,500 | 870 |
| Average total loans | $1,082,230,250 | 538 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 3,737 |
| Cost of funding earning assets | 0.9712% | 1,824 |
| Net interest margin | 3.2967% | 4,154 |
| Noninterest income to average assets | 0.7555% | 1,500 |
| Noninterest expense to average assets | 3.0850% | 1,775 |
| Loan and lease loss provision to assets | 0.1554% | 1,171 |
| Net operating income to assets | 0.4787% | 4,575 |
| Return on assets (ROA) | 0.4900% | 4,577 |
| Pretax return on assets | 0.6175% | 4,511 |
| Return on Equity (ROE) | 6.2793% | 3,959 |
| Retained earnings to average equity (ytd only) | 6.2793% | 2,158 |
| Net charge-offs to loans | 0.1487% | 1,049 |
| Credit loss provision to net charge-offs | 127.8055% | 1,676 |
| Earnings coverage of net charge-offs (x) | 6.2382% | 2,590 |
| Efficiency ratio | 80.2612% | 948 |
| Assets per employee ($millions) | 5.2963% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8816% | 4,159 |
| Loan loss allowance to noncurrent loans | 146.6318% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.5013% | 2,541 |
| Noncurrent loans to loans | 0.6012% | 2,469 |
| Net loans and leases to total assets | 81.6108% | 661 |
| Net loans and leases to deposits | 103.1936% | 462 |
| Net loans and leases to core deposits | 106.9028% | 1,182 |
| Total domestic deposits to total assets | 79.0852% | 4,198 |
| Equity capital to assets | 8.0530% | 5,166 |
| Core capital (leverage) ratio | 8.3621% | 5,033 |
| Tier 1 risk-based capital ratio | 11.9542% | 4,445 |
| Total risk-based capital ratio | 13.0015% | 4,444 |
| Memoranda: | ||
| Average total assets | $1,318,835,000 | 612 |
| Average earning assets | $1,235,433,000 | 598 |
| Average equity | $102,910,330 | 872 |
| Average total loans | $1,078,887,000 | 538 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 3,665 |
| Cost of funding earning assets | 0.9786% | 1,658 |
| Net interest margin | 3.2852% | 4,198 |
| Noninterest income to average assets | 0.6323% | 1,897 |
| Noninterest expense to average assets | 2.9509% | 2,132 |
| Loan and lease loss provision to assets | 0.1135% | 1,564 |
| Net operating income to assets | 0.5234% | 4,455 |
| Return on assets (ROA) | 0.5327% | 4,452 |
| Pretax return on assets | 0.6574% | 4,403 |
| Return on Equity (ROE) | 6.9375% | 3,701 |
| Retained earnings to average equity (ytd only) | 6.9375% | 2,069 |
| Net charge-offs to loans | 0.0976% | 1,162 |
| Credit loss provision to net charge-offs | 142.5856% | 1,282 |
| Earnings coverage of net charge-offs (x) | 9.5399% | 2,017 |
| Efficiency ratio | 79.5317% | 1,103 |
| Assets per employee ($millions) | 5.2991% | 2,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8790% | 4,245 |
| Loan loss allowance to noncurrent loans | 154.2226% | 2,621 |
| Noncurrent assets plus other real estate owned to assets | 0.4745% | 2,716 |
| Noncurrent loans to loans | 0.5700% | 2,623 |
| Net loans and leases to total assets | 80.2062% | 809 |
| Net loans and leases to deposits | 99.4589% | 672 |
| Net loans and leases to core deposits | 102.7813% | 1,395 |
| Total domestic deposits to total assets | 80.6426% | 4,040 |
| Equity capital to assets | 7.7790% | 5,225 |
| Core capital (leverage) ratio | 8.1269% | 5,175 |
| Tier 1 risk-based capital ratio | 12.0852% | 4,413 |
| Total risk-based capital ratio | 13.1460% | 4,421 |
| Memoranda: | ||
| Average total assets | $1,321,506,000 | 615 |
| Average earning assets | $1,238,153,000 | 598 |
| Average equity | $101,478,000 | 876 |
| Average total loans | $1,077,587,500 | 541 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 3,510 |
| Cost of funding earning assets | 0.7895% | 1,579 |
| Net interest margin | 3.3845% | 4,037 |
| Noninterest income to average assets | 0.8253% | 1,385 |
| Noninterest expense to average assets | 3.0559% | 1,904 |
| Loan and lease loss provision to assets | 0.1171% | 1,877 |
| Net operating income to assets | 0.6943% | 4,149 |
| Return on assets (ROA) | 0.6943% | 4,155 |
| Pretax return on assets | 0.8135% | 4,133 |
| Return on Equity (ROE) | 9.3919% | 2,791 |
| Retained earnings to average equity (ytd only) | 8.8638% | 918 |
| Net charge-offs to loans | 0.0925% | 1,846 |
| Credit loss provision to net charge-offs | 152.7495% | 1,799 |
| Earnings coverage of net charge-offs (x) | 12.1385% | 2,561 |
| Efficiency ratio | 76.6563% | 1,278 |
| Assets per employee ($millions) | 5.3587% | 2,099 |
| Cash dividends to net income (ytd only)* | 5.6224% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 4,333 |
| Loan loss allowance to noncurrent loans | 142.4354% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 2,492 |
| Noncurrent loans to loans | 0.6035% | 2,469 |
| Net loans and leases to total assets | 81.4640% | 737 |
| Net loans and leases to deposits | 104.5789% | 454 |
| Net loans and leases to core deposits | 108.3593% | 1,095 |
| Total domestic deposits to total assets | 77.8972% | 4,508 |
| Equity capital to assets | 7.5785% | 5,271 |
| Core capital (leverage) ratio | 8.0857% | 5,211 |
| Tier 1 risk-based capital ratio | 11.8076% | 4,564 |
| Total risk-based capital ratio | 12.8486% | 4,565 |
| Memoranda: | ||
| Average total assets | $1,280,911,200 | 613 |
| Average earning assets | $1,196,386,000 | 598 |
| Average equity | $94,688,000 | 894 |
| Average total loans | $1,061,297,800 | 532 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1334% | 3,521 |
| Cost of funding earning assets | 0.7502% | 1,584 |
| Net interest margin | 3.3831% | 4,054 |
| Noninterest income to average assets | 0.8305% | 1,378 |
| Noninterest expense to average assets | 3.1174% | 1,716 |
| Loan and lease loss provision to assets | 0.0944% | 2,089 |
| Net operating income to assets | 0.6312% | 4,417 |
| Return on assets (ROA) | 0.6312% | 4,433 |
| Pretax return on assets | 0.7782% | 4,348 |
| Return on Equity (ROE) | 8.5951% | 3,292 |
| Retained earnings to average equity (ytd only) | 7.8812% | 1,710 |
| Net charge-offs to loans | 0.0859% | 1,650 |
| Credit loss provision to net charge-offs | 132.3529% | 1,866 |
| Earnings coverage of net charge-offs (x) | 12.2383% | 2,463 |
| Efficiency ratio | 78.1305% | 1,109 |
| Assets per employee ($millions) | 5.2995% | 2,125 |
| Cash dividends to net income (ytd only)* | 8.3056% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8343% | 4,511 |
| Loan loss allowance to noncurrent loans | 226.4573% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 0.3172% | 3,423 |
| Noncurrent loans to loans | 0.3684% | 3,323 |
| Net loans and leases to total assets | 81.8453% | 742 |
| Net loans and leases to deposits | 104.8904% | 491 |
| Net loans and leases to core deposits | 118.1936% | 638 |
| Total domestic deposits to total assets | 78.0294% | 4,480 |
| Equity capital to assets | 7.3232% | 5,341 |
| Core capital (leverage) ratio | 7.9357% | 5,331 |
| Tier 1 risk-based capital ratio | 11.5266% | 4,779 |
| Total risk-based capital ratio | 12.5380% | 4,801 |
| Memoranda: | ||
| Average total assets | $1,271,579,750 | 617 |
| Average earning assets | $1,187,510,750 | 604 |
| Average equity | $93,384,500 | 896 |
| Average total loans | $1,055,822,250 | 530 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 3,468 |
| Cost of funding earning assets | 0.7067% | 1,582 |
| Net interest margin | 3.3881% | 3,993 |
| Noninterest income to average assets | 0.8023% | 1,470 |
| Noninterest expense to average assets | 3.1230% | 1,730 |
| Loan and lease loss provision to assets | 0.0953% | 2,024 |
| Net operating income to assets | 0.6063% | 4,476 |
| Return on assets (ROA) | 0.6063% | 4,481 |
| Pretax return on assets | 0.7442% | 4,406 |
| Return on Equity (ROE) | 8.2477% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.1673% | 1,994 |
| Net charge-offs to loans | 0.0987% | 1,370 |
| Credit loss provision to net charge-offs | 116.0542% | 1,833 |
| Earnings coverage of net charge-offs (x) | 10.2224% | 2,344 |
| Efficiency ratio | 78.8142% | 1,136 |
| Assets per employee ($millions) | 5.3321% | 2,068 |
| Cash dividends to net income (ytd only)* | 13.0993% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8286% | 4,610 |
| Loan loss allowance to noncurrent loans | 241.3268% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 0.2862% | 3,617 |
| Noncurrent loans to loans | 0.3434% | 3,465 |
| Net loans and leases to total assets | 82.6646% | 630 |
| Net loans and leases to deposits | 109.2307% | 303 |
| Net loans and leases to core deposits | 118.8324% | 598 |
| Total domestic deposits to total assets | 75.6790% | 4,886 |
| Equity capital to assets | 7.2902% | 5,424 |
| Core capital (leverage) ratio | 7.9687% | 5,354 |
| Tier 1 risk-based capital ratio | 11.2953% | 4,902 |
| Total risk-based capital ratio | 12.2927% | 4,930 |
| Memoranda: | ||
| Average total assets | $1,259,111,330 | 624 |
| Average earning assets | $1,174,403,000 | 611 |
| Average equity | $92,559,670 | 901 |
| Average total loans | $1,047,644,330 | 532 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0575% | 3,389 |
| Cost of funding earning assets | 0.6801% | 1,543 |
| Net interest margin | 3.3773% | 3,956 |
| Noninterest income to average assets | 0.7620% | 1,585 |
| Noninterest expense to average assets | 3.1297% | 1,742 |
| Loan and lease loss provision to assets | 0.0963% | 1,907 |
| Net operating income to assets | 0.5402% | 4,605 |
| Return on assets (ROA) | 0.5402% | 4,609 |
| Pretax return on assets | 0.6840% | 4,490 |
| Return on Equity (ROE) | 7.3175% | 3,659 |
| Retained earnings to average equity (ytd only) | 7.3175% | 2,140 |
| Net charge-offs to loans | 0.0896% | 1,268 |
| Credit loss provision to net charge-offs | 129.3103% | 1,341 |
| Earnings coverage of net charge-offs (x) | 10.4784% | 1,897 |
| Efficiency ratio | 80.0427% | 1,135 |
| Assets per employee ($millions) | 5.1559% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8507% | 4,631 |
| Loan loss allowance to noncurrent loans | 296.2554% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 3,724 |
| Noncurrent loans to loans | 0.2872% | 3,745 |
| Net loans and leases to total assets | 82.0892% | 653 |
| Net loans and leases to deposits | 104.5693% | 451 |
| Net loans and leases to core deposits | 116.4861% | 711 |
| Total domestic deposits to total assets | 78.5022% | 4,649 |
| Equity capital to assets | 7.3441% | 5,466 |
| Core capital (leverage) ratio | 7.9847% | 5,394 |
| Tier 1 risk-based capital ratio | 11.3238% | 4,966 |
| Total risk-based capital ratio | 12.3383% | 4,991 |
| Memoranda: | ||
| Average total assets | $1,246,145,000 | 637 |
| Average earning assets | $1,161,512,500 | 623 |
| Average equity | $91,998,500 | 912 |
| Average total loans | $1,035,890,000 | 541 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0188% | 3,339 |
| Cost of funding earning assets | 0.6144% | 1,512 |
| Net interest margin | 3.4044% | 3,840 |
| Noninterest income to average assets | 1.0019% | 1,015 |
| Noninterest expense to average assets | 3.1613% | 1,695 |
| Loan and lease loss provision to assets | 0.1213% | 1,889 |
| Net operating income to assets | 0.4011% | 4,689 |
| Return on assets (ROA) | 0.4001% | 4,708 |
| Pretax return on assets | 0.8778% | 3,982 |
| Return on Equity (ROE) | 5.3217% | 4,033 |
| Retained earnings to average equity (ytd only) | 5.3217% | 1,915 |
| Net charge-offs to loans | 0.1372% | 1,695 |
| Credit loss provision to net charge-offs | 105.1487% | 2,446 |
| Earnings coverage of net charge-offs (x) | 8.6715% | 2,880 |
| Efficiency ratio | 75.9561% | 1,625 |
| Assets per employee ($millions) | 5.4134% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8535% | 4,652 |
| Loan loss allowance to noncurrent loans | 208.1676% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 0.4334% | 3,134 |
| Noncurrent loans to loans | 0.4100% | 3,299 |
| Net loans and leases to total assets | 82.7556% | 591 |
| Net loans and leases to deposits | 109.9064% | 271 |
| Net loans and leases to core deposits | 119.5916% | 601 |
| Total domestic deposits to total assets | 75.2965% | 5,057 |
| Equity capital to assets | 7.4220% | 5,553 |
| Core capital (leverage) ratio | 7.9335% | 5,472 |
| Tier 1 risk-based capital ratio | 11.0984% | 5,087 |
| Total risk-based capital ratio | 12.1116% | 5,115 |
| Memoranda: | ||
| Average total assets | $1,194,955,400 | 630 |
| Average earning assets | $1,109,202,200 | 621 |
| Average equity | $89,840,400 | 902 |
| Average total loans | $1,005,224,600 | 538 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 3,300 |
| Cost of funding earning assets | 0.6007% | 1,525 |
| Net interest margin | 3.4128% | 3,803 |
| Noninterest income to average assets | 0.9568% | 1,127 |
| Noninterest expense to average assets | 3.1334% | 1,716 |
| Loan and lease loss provision to assets | 0.1406% | 1,506 |
| Net operating income to assets | 0.5810% | 4,456 |
| Return on assets (ROA) | 0.5795% | 4,499 |
| Pretax return on assets | 0.8470% | 4,219 |
| Return on Equity (ROE) | 7.6822% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.6822% | 1,354 |
| Net charge-offs to loans | 0.1065% | 1,721 |
| Credit loss provision to net charge-offs | 156.6416% | 1,632 |
| Earnings coverage of net charge-offs (x) | 11.0251% | 2,536 |
| Efficiency ratio | 75.9945% | 1,592 |
| Assets per employee ($millions) | 5.2740% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 4,509 |
| Loan loss allowance to noncurrent loans | 192.6906% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 3,153 |
| Noncurrent loans to loans | 0.4735% | 3,266 |
| Net loans and leases to total assets | 82.1431% | 661 |
| Net loans and leases to deposits | 106.0225% | 420 |
| Net loans and leases to core deposits | 117.4819% | 684 |
| Total domestic deposits to total assets | 77.4770% | 4,808 |
| Equity capital to assets | 7.6123% | 5,605 |
| Core capital (leverage) ratio | 7.9806% | 5,518 |
| Tier 1 risk-based capital ratio | 11.2791% | 5,093 |
| Total risk-based capital ratio | 12.3492% | 5,083 |
| Memoranda: | ||
| Average total assets | $1,185,131,250 | 634 |
| Average earning assets | $1,099,548,000 | 624 |
| Average equity | $89,399,000 | 912 |
| Average total loans | $998,979,250 | 544 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0249% | 3,114 |
| Cost of funding earning assets | 0.5789% | 1,583 |
| Net interest margin | 3.4460% | 3,607 |
| Noninterest income to average assets | 0.9080% | 1,248 |
| Noninterest expense to average assets | 3.1309% | 1,764 |
| Loan and lease loss provision to assets | 0.1786% | 1,068 |
| Net operating income to assets | 0.5455% | 4,543 |
| Return on assets (ROA) | 0.5433% | 4,593 |
| Pretax return on assets | 0.7916% | 4,299 |
| Return on Equity (ROE) | 7.2247% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.2247% | 1,486 |
| Net charge-offs to loans | 0.1340% | 1,361 |
| Credit loss provision to net charge-offs | 157.1856% | 1,485 |
| Earnings coverage of net charge-offs (x) | 8.5674% | 2,498 |
| Efficiency ratio | 76.2826% | 1,676 |
| Assets per employee ($millions) | 5.3149% | 2,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8852% | 4,699 |
| Loan loss allowance to noncurrent loans | 202.7165% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4601% | 3,275 |
| Noncurrent loans to loans | 0.4367% | 3,449 |
| Net loans and leases to total assets | 84.1217% | 431 |
| Net loans and leases to deposits | 115.3103% | 174 |
| Net loans and leases to core deposits | 124.0979% | 434 |
| Total domestic deposits to total assets | 72.9524% | 5,389 |
| Equity capital to assets | 7.4579% | 5,660 |
| Core capital (leverage) ratio | 7.9933% | 5,532 |
| Tier 1 risk-based capital ratio | 11.0482% | 5,229 |
| Total risk-based capital ratio | 12.1100% | 5,242 |
| Memoranda: | ||
| Average total assets | $1,175,832,330 | 637 |
| Average earning assets | $1,090,655,670 | 632 |
| Average equity | $88,419,000 | 921 |
| Average total loans | $996,774,670 | 545 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0110% | 2,993 |
| Cost of funding earning assets | 0.5785% | 1,522 |
| Net interest margin | 3.4325% | 3,514 |
| Noninterest income to average assets | 0.8606% | 1,361 |
| Noninterest expense to average assets | 3.1514% | 1,738 |
| Loan and lease loss provision to assets | 0.2073% | 789 |
| Net operating income to assets | 0.4777% | 4,679 |
| Return on assets (ROA) | 0.4785% | 4,702 |
| Pretax return on assets | 0.6864% | 4,489 |
| Return on Equity (ROE) | 6.3357% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.3357% | 2,170 |
| Net charge-offs to loans | 0.2381% | 750 |
| Credit loss provision to net charge-offs | 102.7397% | 1,537 |
| Earnings coverage of net charge-offs (x) | 4.4247% | 2,389 |
| Efficiency ratio | 77.9258% | 1,637 |
| Assets per employee ($millions) | 5.0684% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8770% | 4,836 |
| Loan loss allowance to noncurrent loans | 193.3186% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.4234% | 3,489 |
| Noncurrent loans to loans | 0.4537% | 3,472 |
| Net loans and leases to total assets | 83.9885% | 369 |
| Net loans and leases to deposits | 111.6318% | 183 |
| Net loans and leases to core deposits | 122.3776% | 401 |
| Total domestic deposits to total assets | 75.2371% | 5,316 |
| Equity capital to assets | 7.5111% | 5,681 |
| Core capital (leverage) ratio | 8.0002% | 5,559 |
| Tier 1 risk-based capital ratio | 11.2509% | 5,169 |
| Total risk-based capital ratio | 12.3197% | 5,174 |
| Memoranda: | ||
| Average total assets | $1,157,851,000 | 648 |
| Average earning assets | $1,073,843,000 | 641 |
| Average equity | $87,441,000 | 932 |
| Average total loans | $980,919,000 | 549 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9512% | 3,381 |
| Cost of funding earning assets | 0.5983% | 1,343 |
| Net interest margin | 3.3528% | 3,990 |
| Noninterest income to average assets | 1.0142% | 1,104 |
| Noninterest expense to average assets | 3.2089% | 1,767 |
| Loan and lease loss provision to assets | 0.1146% | 2,151 |
| Net operating income to assets | 0.5597% | 4,389 |
| Return on assets (ROA) | 0.5599% | 4,494 |
| Pretax return on assets | 0.8044% | 4,177 |
| Return on Equity (ROE) | 7.3804% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.3804% | 1,085 |
| Net charge-offs to loans | 0.1193% | 2,063 |
| Credit loss provision to net charge-offs | 113.7377% | 2,313 |
| Earnings coverage of net charge-offs (x) | 9.1186% | 2,781 |
| Efficiency ratio | 77.7425% | 1,730 |
| Assets per employee ($millions) | 4.9558% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 4,775 |
| Loan loss allowance to noncurrent loans | 129.9464% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 2,907 |
| Noncurrent loans to loans | 0.6952% | 2,804 |
| Net loans and leases to total assets | 83.9407% | 389 |
| Net loans and leases to deposits | 110.4568% | 215 |
| Net loans and leases to core deposits | 119.3254% | 503 |
| Total domestic deposits to total assets | 75.9941% | 5,238 |
| Equity capital to assets | 7.5942% | 5,693 |
| Core capital (leverage) ratio | 8.0949% | 5,569 |
| Tier 1 risk-based capital ratio | 11.3275% | 5,157 |
| Total risk-based capital ratio | 12.4206% | 5,132 |
| Memoranda: | ||
| Average total assets | $1,112,639,600 | 647 |
| Average earning assets | $1,033,215,000 | 641 |
| Average equity | $84,412,600 | 945 |
| Average total loans | $939,666,000 | 539 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9495% | 3,427 |
| Cost of funding earning assets | 0.5999% | 1,332 |
| Net interest margin | 3.3496% | 4,031 |
| Noninterest income to average assets | 1.0004% | 1,148 |
| Noninterest expense to average assets | 3.1561% | 1,886 |
| Loan and lease loss provision to assets | 0.1085% | 2,117 |
| Net operating income to assets | 0.5849% | 4,350 |
| Return on assets (ROA) | 0.5851% | 4,465 |
| Pretax return on assets | 0.8471% | 4,164 |
| Return on Equity (ROE) | 7.7144% | 3,178 |
| Retained earnings to average equity (ytd only) | 7.7144% | 1,307 |
| Net charge-offs to loans | 0.1053% | 1,891 |
| Credit loss provision to net charge-offs | 122.1167% | 2,064 |
| Earnings coverage of net charge-offs (x) | 10.7504% | 2,547 |
| Efficiency ratio | 76.7654% | 1,864 |
| Assets per employee ($millions) | 4.8996% | 2,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9250% | 4,782 |
| Loan loss allowance to noncurrent loans | 179.3550% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 3,630 |
| Noncurrent loans to loans | 0.5157% | 3,453 |
| Net loans and leases to total assets | 82.6264% | 551 |
| Net loans and leases to deposits | 107.6112% | 321 |
| Net loans and leases to core deposits | 119.7866% | 514 |
| Total domestic deposits to total assets | 76.7824% | 5,124 |
| Equity capital to assets | 7.6555% | 5,818 |
| Core capital (leverage) ratio | 8.0356% | 5,668 |
| Tier 1 risk-based capital ratio | 11.4672% | 5,109 |
| Total risk-based capital ratio | 12.5914% | 5,084 |
| Memoranda: | ||
| Average total assets | $1,105,843,500 | 650 |
| Average earning assets | $1,027,069,500 | 643 |
| Average equity | $83,875,500 | 957 |
| Average total loans | $933,208,000 | 542 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 3,402 |
| Cost of funding earning assets | 0.6048% | 1,279 |
| Net interest margin | 3.3509% | 4,055 |
| Noninterest income to average assets | 0.8314% | 1,606 |
| Noninterest expense to average assets | 3.1295% | 1,981 |
| Loan and lease loss provision to assets | 0.1092% | 2,045 |
| Net operating income to assets | 0.4881% | 4,728 |
| Return on assets (ROA) | 0.4885% | 4,825 |
| Pretax return on assets | 0.7062% | 4,599 |
| Return on Equity (ROE) | 6.4616% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.4616% | 1,888 |
| Net charge-offs to loans | 0.0557% | 2,396 |
| Credit loss provision to net charge-offs | 231.2741% | 1,172 |
| Earnings coverage of net charge-offs (x) | 17.2587% | 1,882 |
| Efficiency ratio | 79.3419% | 1,582 |
| Assets per employee ($millions) | 4.9951% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,786 |
| Loan loss allowance to noncurrent loans | 174.5298% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 3,623 |
| Noncurrent loans to loans | 0.5412% | 3,451 |
| Net loans and leases to total assets | 84.2426% | 401 |
| Net loans and leases to deposits | 114.4462% | 171 |
| Net loans and leases to core deposits | 124.0782% | 406 |
| Total domestic deposits to total assets | 73.6088% | 5,558 |
| Equity capital to assets | 7.6452% | 5,885 |
| Core capital (leverage) ratio | 8.0080% | 5,725 |
| Tier 1 risk-based capital ratio | 11.1698% | 5,331 |
| Total risk-based capital ratio | 12.3147% | 5,308 |
| Memoranda: | ||
| Average total assets | $1,097,185,330 | 653 |
| Average earning assets | $1,019,261,670 | 647 |
| Average equity | $82,952,000 | 962 |
| Average total loans | $929,640,000 | 542 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 3,352 |
| Cost of funding earning assets | 0.6007% | 1,331 |
| Net interest margin | 3.3631% | 3,998 |
| Noninterest income to average assets | 0.6510% | 2,262 |
| Noninterest expense to average assets | 3.0766% | 2,156 |
| Loan and lease loss provision to assets | 0.1100% | 1,892 |
| Net operating income to assets | 0.4050% | 4,977 |
| Return on assets (ROA) | 0.4050% | 5,057 |
| Pretax return on assets | 0.5857% | 4,858 |
| Return on Equity (ROE) | 5.3877% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.3877% | 2,723 |
| Net charge-offs to loans | 0.0845% | 1,651 |
| Credit loss provision to net charge-offs | 153.8462% | 1,253 |
| Earnings coverage of net charge-offs (x) | 9.7333% | 1,966 |
| Efficiency ratio | 81.5585% | 1,415 |
| Assets per employee ($millions) | 4.8683% | 2,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9350% | 4,932 |
| Loan loss allowance to noncurrent loans | 171.5388% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 3,688 |
| Noncurrent loans to loans | 0.5450% | 3,551 |
| Net loans and leases to total assets | 83.5237% | 411 |
| Net loans and leases to deposits | 110.6681% | 208 |
| Net loans and leases to core deposits | 122.7992% | 391 |
| Total domestic deposits to total assets | 75.4722% | 5,474 |
| Equity capital to assets | 7.5255% | 5,943 |
| Core capital (leverage) ratio | 7.9882% | 5,776 |
| Tier 1 risk-based capital ratio | 11.1922% | 5,397 |
| Total risk-based capital ratio | 12.3419% | 5,364 |
| Memoranda: | ||
| Average total assets | $1,091,319,500 | 659 |
| Average earning assets | $1,012,882,500 | 651 |
| Average equity | $82,038,500 | 973 |
| Average total loans | $922,916,000 | 541 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 3,160 |
| Cost of funding earning assets | 0.5811% | 1,488 |
| Net interest margin | 3.4572% | 3,685 |
| Noninterest income to average assets | 0.9257% | 1,364 |
| Noninterest expense to average assets | 3.3258% | 1,654 |
| Loan and lease loss provision to assets | 0.1156% | 2,068 |
| Net operating income to assets | 0.4893% | 4,734 |
| Return on assets (ROA) | 0.4854% | 4,836 |
| Pretax return on assets | 0.6795% | 4,585 |
| Return on Equity (ROE) | 6.4352% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.4352% | 1,579 |
| Net charge-offs to loans | 0.1350% | 2,008 |
| Credit loss provision to net charge-offs | 100.3344% | 2,492 |
| Earnings coverage of net charge-offs (x) | 6.9473% | 3,148 |
| Efficiency ratio | 80.5964% | 1,599 |
| Assets per employee ($millions) | 5.1299% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9331% | 4,954 |
| Loan loss allowance to noncurrent loans | 159.2861% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.5179% | 3,568 |
| Noncurrent loans to loans | 0.5858% | 3,419 |
| Net loans and leases to total assets | 84.0384% | 390 |
| Net loans and leases to deposits | 115.6541% | 148 |
| Net loans and leases to core deposits | 125.1458% | 352 |
| Total domestic deposits to total assets | 72.6635% | 5,754 |
| Equity capital to assets | 7.5091% | 5,981 |
| Core capital (leverage) ratio | 7.9928% | 5,844 |
| Tier 1 risk-based capital ratio | 11.2837% | 5,384 |
| Total risk-based capital ratio | 12.4440% | 5,322 |
| Memoranda: | ||
| Average total assets | $1,037,747,400 | 664 |
| Average earning assets | $960,787,800 | 660 |
| Average equity | $78,272,800 | 972 |
| Average total loans | $885,951,000 | 534 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 3,096 |
| Cost of funding earning assets | 0.5741% | 1,590 |
| Net interest margin | 3.4873% | 3,591 |
| Noninterest income to average assets | 0.9007% | 1,447 |
| Noninterest expense to average assets | 3.3356% | 1,607 |
| Loan and lease loss provision to assets | 0.1007% | 2,168 |
| Net operating income to assets | 0.4947% | 4,810 |
| Return on assets (ROA) | 0.4947% | 4,900 |
| Pretax return on assets | 0.6928% | 4,704 |
| Return on Equity (ROE) | 6.5512% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.5512% | 1,923 |
| Net charge-offs to loans | 0.1174% | 1,952 |
| Credit loss provision to net charge-offs | 100.2587% | 2,254 |
| Earnings coverage of net charge-offs (x) | 7.9030% | 2,861 |
| Efficiency ratio | 80.7845% | 1,549 |
| Assets per employee ($millions) | 4.9336% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 5,003 |
| Loan loss allowance to noncurrent loans | 173.0156% | 2,543 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 3,872 |
| Noncurrent loans to loans | 0.5454% | 3,706 |
| Net loans and leases to total assets | 84.3757% | 360 |
| Net loans and leases to deposits | 114.4961% | 164 |
| Net loans and leases to core deposits | 127.0401% | 319 |
| Total domestic deposits to total assets | 73.6930% | 5,738 |
| Equity capital to assets | 7.4756% | 6,076 |
| Core capital (leverage) ratio | 7.9876% | 5,911 |
| Tier 1 risk-based capital ratio | 11.0686% | 5,623 |
| Total risk-based capital ratio | 12.2198% | 5,575 |
| Memoranda: | ||
| Average total assets | $1,026,582,500 | 676 |
| Average earning assets | $950,350,000 | 673 |
| Average equity | $77,521,250 | 988 |
| Average total loans | $877,887,500 | 539 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 2,933 |
| Cost of funding earning assets | 0.5665% | 1,672 |
| Net interest margin | 3.5239% | 3,397 |
| Noninterest income to average assets | 0.8809% | 1,505 |
| Noninterest expense to average assets | 3.4019% | 1,471 |
| Loan and lease loss provision to assets | 0.1016% | 2,140 |
| Net operating income to assets | 0.4629% | 4,931 |
| Return on assets (ROA) | 0.4629% | 5,023 |
| Pretax return on assets | 0.6364% | 4,873 |
| Return on Equity (ROE) | 6.1088% | 4,075 |
| Retained earnings to average equity (ytd only) | 6.1088% | 2,168 |
| Net charge-offs to loans | 0.0945% | 2,077 |
| Credit loss provision to net charge-offs | 125.6098% | 1,741 |
| Earnings coverage of net charge-offs (x) | 9.1220% | 2,490 |
| Efficiency ratio | 82.1735% | 1,468 |
| Assets per employee ($millions) | 4.5333% | 2,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 4,943 |
| Loan loss allowance to noncurrent loans | 190.3183% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4653% | 4,071 |
| Noncurrent loans to loans | 0.5173% | 3,905 |
| Net loans and leases to total assets | 83.9807% | 376 |
| Net loans and leases to deposits | 117.9431% | 121 |
| Net loans and leases to core deposits | 124.8708% | 359 |
| Total domestic deposits to total assets | 71.2044% | 5,976 |
| Equity capital to assets | 7.4892% | 6,116 |
| Core capital (leverage) ratio | 8.0800% | 5,882 |
| Tier 1 risk-based capital ratio | 11.2192% | 5,612 |
| Total risk-based capital ratio | 12.4280% | 5,552 |
| Memoranda: | ||
| Average total assets | $1,013,555,000 | 689 |
| Average earning assets | $937,370,000 | 685 |
| Average equity | $76,806,670 | 1,001 |
| Average total loans | $867,940,670 | 545 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 2,756 |
| Cost of funding earning assets | 0.5598% | 1,755 |
| Net interest margin | 3.5597% | 3,180 |
| Noninterest income to average assets | 0.7978% | 1,715 |
| Noninterest expense to average assets | 3.3150% | 1,685 |
| Loan and lease loss provision to assets | 0.1258% | 1,648 |
| Net operating income to assets | 0.4830% | 4,752 |
| Return on assets (ROA) | 0.4830% | 4,873 |
| Pretax return on assets | 0.6444% | 4,784 |
| Return on Equity (ROE) | 6.3351% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.3351% | 2,317 |
| Net charge-offs to loans | 0.0933% | 1,792 |
| Credit loss provision to net charge-offs | 156.7164% | 1,218 |
| Earnings coverage of net charge-offs (x) | 9.5920% | 1,998 |
| Efficiency ratio | 81.1461% | 1,737 |
| Assets per employee ($millions) | 4.6538% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 5,020 |
| Loan loss allowance to noncurrent loans | 171.9097% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.5450% | 3,858 |
| Noncurrent loans to loans | 0.5820% | 3,834 |
| Net loans and leases to total assets | 84.6397% | 276 |
| Net loans and leases to deposits | 116.2485% | 131 |
| Net loans and leases to core deposits | 123.9777% | 327 |
| Total domestic deposits to total assets | 72.8093% | 5,990 |
| Equity capital to assets | 7.5881% | 6,155 |
| Core capital (leverage) ratio | 8.1858% | 5,817 |
| Tier 1 risk-based capital ratio | 10.8827% | 5,859 |
| Total risk-based capital ratio | 12.0752% | 5,812 |
| Memoranda: | ||
| Average total assets | $1,001,268,500 | 691 |
| Average earning assets | $924,678,000 | 689 |
| Average equity | $76,336,000 | 1,005 |
| Average total loans | $861,663,000 | 544 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2174% | 2,893 |
| Cost of funding earning assets | 0.7281% | 961 |
| Net interest margin | 3.4893% | 3,839 |
| Noninterest income to average assets | 0.8352% | 1,729 |
| Noninterest expense to average assets | 3.3620% | 1,777 |
| Loan and lease loss provision to assets | 0.2802% | 757 |
| Net operating income to assets | 0.3006% | 5,513 |
| Return on assets (ROA) | 0.3108% | 5,562 |
| Pretax return on assets | 0.4213% | 5,437 |
| Return on Equity (ROE) | 4.0320% | 5,099 |
| Retained earnings to average equity (ytd only) | 4.0320% | 3,336 |
| Net charge-offs to loans | 0.3159% | 1,397 |
| Credit loss provision to net charge-offs | 104.7095% | 2,291 |
| Earnings coverage of net charge-offs (x) | 2.5697% | 4,119 |
| Efficiency ratio | 83.0175% | 1,519 |
| Assets per employee ($millions) | 4.5531% | 2,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 5,055 |
| Loan loss allowance to noncurrent loans | 187.1503% | 2,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5317% | 4,026 |
| Noncurrent loans to loans | 0.5346% | 4,057 |
| Net loans and leases to total assets | 85.7675% | 224 |
| Net loans and leases to deposits | 114.8972% | 150 |
| Net loans and leases to core deposits | 122.4288% | 352 |
| Total domestic deposits to total assets | 74.6471% | 5,894 |
| Equity capital to assets | 7.6607% | 6,191 |
| Core capital (leverage) ratio | 8.0372% | 5,980 |
| Tier 1 risk-based capital ratio | 11.4450% | 5,689 |
| Total risk-based capital ratio | 12.6951% | 5,612 |
| Memoranda: | ||
| Average total assets | $983,794,000 | 687 |
| Average earning assets | $906,306,600 | 678 |
| Average equity | $75,842,800 | 967 |
| Average total loans | $833,447,800 | 536 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 2,979 |
| Cost of funding earning assets | 0.7722% | 791 |
| Net interest margin | 3.4313% | 4,104 |
| Noninterest income to average assets | 0.8090% | 1,859 |
| Noninterest expense to average assets | 3.3413% | 1,809 |
| Loan and lease loss provision to assets | 0.2689% | 785 |
| Net operating income to assets | 0.2700% | 5,679 |
| Return on assets (ROA) | 0.2841% | 5,706 |
| Pretax return on assets | 0.3791% | 5,627 |
| Return on Equity (ROE) | 3.6793% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.6793% | 4,023 |
| Net charge-offs to loans | 0.3178% | 1,253 |
| Credit loss provision to net charge-offs | 100.4562% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.3502% | 3,938 |
| Efficiency ratio | 84.1551% | 1,374 |
| Assets per employee ($millions) | 4.5904% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 5,220 |
| Loan loss allowance to noncurrent loans | 144.8731% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.7653% | 3,524 |
| Noncurrent loans to loans | 0.6904% | 3,887 |
| Net loans and leases to total assets | 83.5706% | 356 |
| Net loans and leases to deposits | 111.8428% | 184 |
| Net loans and leases to core deposits | 121.6513% | 358 |
| Total domestic deposits to total assets | 74.7214% | 5,947 |
| Equity capital to assets | 7.7410% | 6,231 |
| Core capital (leverage) ratio | 8.0102% | 6,063 |
| Tier 1 risk-based capital ratio | 11.3433% | 5,865 |
| Total risk-based capital ratio | 12.5806% | 5,800 |
| Memoranda: | ||
| Average total assets | $982,738,250 | 686 |
| Average earning assets | $905,457,750 | 674 |
| Average equity | $75,881,250 | 971 |
| Average total loans | $827,819,500 | 532 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1900% | 2,986 |
| Cost of funding earning assets | 0.8371% | 590 |
| Net interest margin | 3.3528% | 4,386 |
| Noninterest income to average assets | 0.7461% | 2,065 |
| Noninterest expense to average assets | 3.3243% | 1,859 |
| Loan and lease loss provision to assets | 0.3721% | 465 |
| Net operating income to assets | 0.1232% | 5,999 |
| Return on assets (ROA) | 0.1429% | 5,997 |
| Pretax return on assets | 0.1585% | 6,011 |
| Return on Equity (ROE) | 1.8526% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.8526% | 4,961 |
| Net charge-offs to loans | 0.4401% | 925 |
| Credit loss provision to net charge-offs | 100.4422% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1.3731% | 3,822 |
| Efficiency ratio | 86.7301% | 1,196 |
| Assets per employee ($millions) | 4.4993% | 2,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0241% | 5,246 |
| Loan loss allowance to noncurrent loans | 127.5170% | 3,058 |
| Noncurrent assets plus other real estate owned to assets | 0.8606% | 3,389 |
| Noncurrent loans to loans | 0.8031% | 3,698 |
| Net loans and leases to total assets | 83.2398% | 360 |
| Net loans and leases to deposits | 106.0845% | 300 |
| Net loans and leases to core deposits | 114.1797% | 531 |
| Total domestic deposits to total assets | 78.4656% | 5,559 |
| Equity capital to assets | 7.7636% | 6,270 |
| Core capital (leverage) ratio | 8.0189% | 6,084 |
| Tier 1 risk-based capital ratio | 11.4336% | 5,842 |
| Total risk-based capital ratio | 12.6840% | 5,791 |
| Memoranda: | ||
| Average total assets | $976,747,670 | 689 |
| Average earning assets | $899,246,330 | 675 |
| Average equity | $75,353,330 | 972 |
| Average total loans | $822,176,670 | 529 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 2,797 |
| Cost of funding earning assets | 0.8474% | 592 |
| Net interest margin | 3.3725% | 4,251 |
| Noninterest income to average assets | 0.7087% | 2,131 |
| Noninterest expense to average assets | 3.3381% | 1,858 |
| Loan and lease loss provision to assets | 0.4104% | 407 |
| Net operating income to assets | 0.0581% | 6,109 |
| Return on assets (ROA) | 0.0895% | 6,080 |
| Pretax return on assets | 0.0977% | 6,081 |
| Return on Equity (ROE) | 1.1634% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.1634% | 5,135 |
| Net charge-offs to loans | 0.1901% | 1,592 |
| Credit loss provision to net charge-offs | 256.4103% | 890 |
| Earnings coverage of net charge-offs (x) | 2.9615% | 2,760 |
| Efficiency ratio | 87.5659% | 1,277 |
| Assets per employee ($millions) | 4.5424% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 5,115 |
| Loan loss allowance to noncurrent loans | 115.3454% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.9008% | 3,486 |
| Noncurrent loans to loans | 0.9551% | 3,502 |
| Net loans and leases to total assets | 83.5798% | 257 |
| Net loans and leases to deposits | 106.3724% | 230 |
| Net loans and leases to core deposits | 114.7911% | 437 |
| Total domestic deposits to total assets | 78.5728% | 5,743 |
| Equity capital to assets | 7.7377% | 6,214 |
| Core capital (leverage) ratio | 7.9386% | 6,154 |
| Tier 1 risk-based capital ratio | 11.4538% | 5,941 |
| Total risk-based capital ratio | 12.7063% | 5,891 |
| Memoranda: | ||
| Average total assets | $974,696,500 | 693 |
| Average earning assets | $896,905,000 | 685 |
| Average equity | $74,955,500 | 978 |
| Average total loans | $820,812,000 | 525 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2063% | 3,326 |
| Cost of funding earning assets | 0.9240% | 655 |
| Net interest margin | 3.2823% | 4,729 |
| Noninterest income to average assets | 1.0156% | 1,359 |
| Noninterest expense to average assets | 3.1274% | 2,648 |
| Loan and lease loss provision to assets | 0.6165% | 398 |
| Net operating income to assets | 0.2090% | 5,799 |
| Return on assets (ROA) | 0.2194% | 5,836 |
| Pretax return on assets | 0.2934% | 5,752 |
| Return on Equity (ROE) | 3.0099% | 5,506 |
| Retained earnings to average equity (ytd only) | 3.0099% | 4,096 |
| Net charge-offs to loans | 0.4708% | 1,416 |
| Credit loss provision to net charge-offs | 162.4143% | 1,404 |
| Earnings coverage of net charge-offs (x) | 2.3602% | 4,225 |
| Efficiency ratio | 77.7309% | 2,502 |
| Assets per employee ($millions) | 4.5037% | 2,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 5,420 |
| Loan loss allowance to noncurrent loans | 70.5745% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.4043% | 2,640 |
| Noncurrent loans to loans | 1.4582% | 2,709 |
| Net loans and leases to total assets | 83.0513% | 322 |
| Net loans and leases to deposits | 105.8435% | 262 |
| Net loans and leases to core deposits | 113.1580% | 489 |
| Total domestic deposits to total assets | 78.4662% | 5,745 |
| Equity capital to assets | 7.6428% | 6,213 |
| Core capital (leverage) ratio | 7.9346% | 6,180 |
| Tier 1 risk-based capital ratio | 11.3628% | 5,986 |
| Total risk-based capital ratio | 12.6134% | 5,914 |
| Memoranda: | ||
| Average total assets | $960,191,000 | 685 |
| Average earning assets | $879,876,000 | 683 |
| Average equity | $70,002,000 | 1,022 |
| Average total loans | $774,133,200 | 543 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 3,388 |
| Cost of funding earning assets | 0.9368% | 682 |
| Net interest margin | 3.2647% | 4,772 |
| Noninterest income to average assets | 1.0380% | 1,349 |
| Noninterest expense to average assets | 3.1295% | 2,570 |
| Loan and lease loss provision to assets | 0.6027% | 402 |
| Net operating income to assets | 0.2127% | 5,879 |
| Return on assets (ROA) | 0.2155% | 5,953 |
| Pretax return on assets | 0.2997% | 5,876 |
| Return on Equity (ROE) | 2.9929% | 5,606 |
| Retained earnings to average equity (ytd only) | 2.9929% | 4,535 |
| Net charge-offs to loans | 0.4689% | 1,369 |
| Credit loss provision to net charge-offs | 161.1111% | 1,465 |
| Earnings coverage of net charge-offs (x) | 2.4019% | 4,034 |
| Efficiency ratio | 77.6931% | 2,463 |
| Assets per employee ($millions) | 4.0020% | 3,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 5,849 |
| Loan loss allowance to noncurrent loans | 54.6537% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.6698% | 2,461 |
| Noncurrent loans to loans | 1.7726% | 2,538 |
| Net loans and leases to total assets | 82.0302% | 368 |
| Net loans and leases to deposits | 105.1851% | 259 |
| Net loans and leases to core deposits | 113.7636% | 454 |
| Total domestic deposits to total assets | 77.9865% | 5,908 |
| Equity capital to assets | 7.5632% | 6,373 |
| Core capital (leverage) ratio | 8.0010% | 6,224 |
| Tier 1 risk-based capital ratio | 11.4437% | 6,083 |
| Total risk-based capital ratio | 12.6586% | 6,065 |
| Memoranda: | ||
| Average total assets | $955,911,250 | 691 |
| Average earning assets | $875,471,750 | 687 |
| Average equity | $68,829,000 | 1,047 |
| Average total loans | $762,639,250 | 551 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2219% | 3,278 |
| Cost of funding earning assets | 0.9623% | 667 |
| Net interest margin | 3.2596% | 4,732 |
| Noninterest income to average assets | 1.1494% | 1,151 |
| Noninterest expense to average assets | 3.3868% | 1,848 |
| Loan and lease loss provision to assets | 0.5514% | 480 |
| Net operating income to assets | 0.1423% | 6,038 |
| Return on assets (ROA) | 0.1467% | 6,137 |
| Pretax return on assets | 0.1974% | 6,089 |
| Return on Equity (ROE) | 2.0727% | 5,931 |
| Retained earnings to average equity (ytd only) | 2.0727% | 4,959 |
| Net charge-offs to loans | 0.5481% | 1,203 |
| Credit loss provision to net charge-offs | 127.7426% | 1,767 |
| Earnings coverage of net charge-offs (x) | 1.7211% | 3,958 |
| Efficiency ratio | 82.0118% | 1,886 |
| Assets per employee ($millions) | 4.1205% | 3,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,146 |
| Loan loss allowance to noncurrent loans | 48.8360% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 1.6161% | 2,689 |
| Noncurrent loans to loans | 1.8328% | 2,591 |
| Net loans and leases to total assets | 78.6749% | 679 |
| Net loans and leases to deposits | 99.3426% | 462 |
| Net loans and leases to core deposits | 106.9203% | 696 |
| Total domestic deposits to total assets | 79.1955% | 5,778 |
| Equity capital to assets | 7.0605% | 6,591 |
| Core capital (leverage) ratio | 7.9759% | 6,202 |
| Tier 1 risk-based capital ratio | 11.5815% | 6,067 |
| Total risk-based capital ratio | 12.6618% | 6,117 |
| Memoranda: | ||
| Average total assets | $950,389,670 | 696 |
| Average earning assets | $868,948,670 | 688 |
| Average equity | $67,255,330 | 1,073 |
| Average total loans | $748,343,000 | 560 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2127% | 3,254 |
| Cost of funding earning assets | 0.9775% | 683 |
| Net interest margin | 3.2352% | 4,778 |
| Noninterest income to average assets | 1.2731% | 944 |
| Noninterest expense to average assets | 3.4405% | 1,738 |
| Loan and lease loss provision to assets | 0.6178% | 407 |
| Net operating income to assets | 0.1346% | 6,083 |
| Return on assets (ROA) | 0.1400% | 6,163 |
| Pretax return on assets | 0.1761% | 6,120 |
| Return on Equity (ROE) | 1.9755% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.9755% | 5,014 |
| Net charge-offs to loans | 0.4743% | 1,261 |
| Credit loss provision to net charge-offs | 166.1017% | 1,270 |
| Earnings coverage of net charge-offs (x) | 2.1164% | 3,123 |
| Efficiency ratio | 81.3799% | 2,136 |
| Assets per employee ($millions) | 4.6773% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9056% | 6,248 |
| Loan loss allowance to noncurrent loans | 40.6823% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 1.9103% | 2,462 |
| Noncurrent loans to loans | 2.2260% | 2,357 |
| Net loans and leases to total assets | 77.0305% | 717 |
| Net loans and leases to deposits | 97.8036% | 455 |
| Net loans and leases to core deposits | 104.2645% | 707 |
| Total domestic deposits to total assets | 78.7604% | 6,000 |
| Equity capital to assets | 7.0457% | 6,702 |
| Core capital (leverage) ratio | 7.9469% | 6,190 |
| Tier 1 risk-based capital ratio | 11.6580% | 6,105 |
| Total risk-based capital ratio | 12.7522% | 6,157 |
| Memoranda: | ||
| Average total assets | $951,728,500 | 704 |
| Average earning assets | $869,177,500 | 698 |
| Average equity | $67,426,500 | 1,081 |
| Average total loans | $746,342,000 | 563 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5384% | 3,247 |
| Cost of funding earning assets | 1.1645% | 679 |
| Net interest margin | 3.3739% | 4,980 |
| Noninterest income to average assets | 1.4279% | 770 |
| Noninterest expense to average assets | 3.6348% | 1,535 |
| Loan and lease loss provision to assets | 0.7863% | 621 |
| Net operating income to assets | 0.0804% | 6,044 |
| Return on assets (ROA) | 0.1314% | 6,087 |
| Pretax return on assets | 0.1456% | 6,077 |
| Return on Equity (ROE) | 1.8208% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.8208% | 4,940 |
| Net charge-offs to loans | 1.2690% | 771 |
| Credit loss provision to net charge-offs | 77.7824% | 3,901 |
| Earnings coverage of net charge-offs (x) | 0.8658% | 5,040 |
| Efficiency ratio | 80.5930% | 2,067 |
| Assets per employee ($millions) | 4.6304% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8249% | 6,435 |
| Loan loss allowance to noncurrent loans | 42.0877% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 1.8941% | 2,579 |
| Noncurrent loans to loans | 1.9601% | 2,734 |
| Net loans and leases to total assets | 78.4625% | 620 |
| Net loans and leases to deposits | 100.6752% | 387 |
| Net loans and leases to core deposits | 107.0297% | 650 |
| Total domestic deposits to total assets | 77.9363% | 6,093 |
| Equity capital to assets | 7.1241% | 6,744 |
| Core capital (leverage) ratio | 8.0570% | 6,134 |
| Tier 1 risk-based capital ratio | 11.5260% | 6,083 |
| Total risk-based capital ratio | 12.5226% | 6,202 |
| Memoranda: | ||
| Average total assets | $947,488,400 | 696 |
| Average earning assets | $865,543,400 | 694 |
| Average equity | $68,378,400 | 1,028 |
| Average total loans | $754,778,000 | 545 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5766% | 3,299 |
| Cost of funding earning assets | 1.1970% | 701 |
| Net interest margin | 3.3796% | 5,095 |
| Noninterest income to average assets | 1.3053% | 865 |
| Noninterest expense to average assets | 3.5499% | 1,654 |
| Loan and lease loss provision to assets | 0.4570% | 1,359 |
| Net operating income to assets | 0.2894% | 5,648 |
| Return on assets (ROA) | 0.3147% | 5,765 |
| Pretax return on assets | 0.4230% | 5,664 |
| Return on Equity (ROE) | 4.3466% | 5,127 |
| Retained earnings to average equity (ytd only) | 4.3466% | 3,833 |
| Net charge-offs to loans | 0.5686% | 1,912 |
| Credit loss provision to net charge-offs | 100.7127% | 2,937 |
| Earnings coverage of net charge-offs (x) | 1.8640% | 4,328 |
| Efficiency ratio | 80.7588% | 1,979 |
| Assets per employee ($millions) | 4.4443% | 3,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1135% | 5,668 |
| Loan loss allowance to noncurrent loans | 39.0771% | 5,683 |
| Noncurrent assets plus other real estate owned to assets | 2.8766% | 1,823 |
| Noncurrent loans to loans | 2.8495% | 1,976 |
| Net loans and leases to total assets | 78.7562% | 640 |
| Net loans and leases to deposits | 102.4650% | 333 |
| Net loans and leases to core deposits | 109.4132% | 592 |
| Total domestic deposits to total assets | 76.8615% | 6,257 |
| Equity capital to assets | 7.4451% | 6,782 |
| Core capital (leverage) ratio | 8.1177% | 6,213 |
| Tier 1 risk-based capital ratio | 11.7375% | 6,085 |
| Total risk-based capital ratio | 12.9890% | 6,070 |
| Memoranda: | ||
| Average total assets | $948,209,500 | 699 |
| Average earning assets | $867,051,250 | 692 |
| Average equity | $68,649,250 | 1,033 |
| Average total loans | $756,641,250 | 541 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 3,304 |
| Cost of funding earning assets | 1.2361% | 692 |
| Net interest margin | 3.3764% | 5,185 |
| Noninterest income to average assets | 1.1140% | 1,153 |
| Noninterest expense to average assets | 3.4811% | 1,827 |
| Loan and lease loss provision to assets | 0.3678% | 1,785 |
| Net operating income to assets | 0.2686% | 5,709 |
| Return on assets (ROA) | 0.3167% | 5,763 |
| Pretax return on assets | 0.4197% | 5,662 |
| Return on Equity (ROE) | 4.4154% | 5,080 |
| Retained earnings to average equity (ytd only) | 4.4154% | 3,666 |
| Net charge-offs to loans | 0.6043% | 1,807 |
| Credit loss provision to net charge-offs | 76.2195% | 3,427 |
| Earnings coverage of net charge-offs (x) | 1.4991% | 4,243 |
| Efficiency ratio | 82.7960% | 1,776 |
| Assets per employee ($millions) | 4.5910% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0263% | 6,054 |
| Loan loss allowance to noncurrent loans | 36.8221% | 5,826 |
| Noncurrent assets plus other real estate owned to assets | 3.0192% | 1,823 |
| Noncurrent loans to loans | 2.7872% | 2,148 |
| Net loans and leases to total assets | 79.3812% | 573 |
| Net loans and leases to deposits | 103.6089% | 286 |
| Net loans and leases to core deposits | 107.5852% | 677 |
| Total domestic deposits to total assets | 76.6162% | 6,384 |
| Equity capital to assets | 7.3247% | 6,841 |
| Core capital (leverage) ratio | 8.0302% | 6,240 |
| Tier 1 risk-based capital ratio | 11.4999% | 6,217 |
| Total risk-based capital ratio | 12.7491% | 6,194 |
| Memoranda: | ||
| Average total assets | $951,700,330 | 698 |
| Average earning assets | $871,110,670 | 692 |
| Average equity | $68,260,670 | 1,026 |
| Average total loans | $759,907,670 | 530 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 3,413 |
| Cost of funding earning assets | 1.2706% | 714 |
| Net interest margin | 3.3493% | 5,305 |
| Noninterest income to average assets | 0.9375% | 1,606 |
| Noninterest expense to average assets | 3.3782% | 2,063 |
| Loan and lease loss provision to assets | 0.3135% | 1,998 |
| Net operating income to assets | 0.2312% | 5,884 |
| Return on assets (ROA) | 0.2495% | 5,975 |
| Pretax return on assets | 0.3407% | 5,879 |
| Return on Equity (ROE) | 3.5158% | 5,500 |
| Retained earnings to average equity (ytd only) | 3.5158% | 4,471 |
| Net charge-offs to loans | 0.7093% | 1,409 |
| Credit loss provision to net charge-offs | 55.4734% | 3,192 |
| Earnings coverage of net charge-offs (x) | 1.1132% | 3,776 |
| Efficiency ratio | 84.3017% | 1,653 |
| Assets per employee ($millions) | 4.7214% | 2,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 6,201 |
| Loan loss allowance to noncurrent loans | 34.0144% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 3.1438% | 1,845 |
| Noncurrent loans to loans | 2.9709% | 2,172 |
| Net loans and leases to total assets | 78.6061% | 533 |
| Net loans and leases to deposits | 104.4713% | 241 |
| Net loans and leases to core deposits | 108.3474% | 597 |
| Total domestic deposits to total assets | 75.2418% | 6,619 |
| Equity capital to assets | 7.1193% | 6,907 |
| Core capital (leverage) ratio | 7.8410% | 6,382 |
| Tier 1 risk-based capital ratio | 11.2852% | 6,396 |
| Total risk-based capital ratio | 12.5051% | 6,395 |
| Memoranda: | ||
| Average total assets | $956,972,500 | 697 |
| Average earning assets | $877,066,500 | 685 |
| Average equity | $67,922,500 | 1,032 |
| Average total loans | $762,437,500 | 527 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7663% | 3,956 |
| Cost of funding earning assets | 1.4293% | 922 |
| Net interest margin | 3.3370% | 5,696 |
| Noninterest income to average assets | 0.9598% | 1,474 |
| Noninterest expense to average assets | 3.3664% | 2,324 |
| Loan and lease loss provision to assets | 0.3476% | 2,919 |
| Net operating income to assets | 0.2178% | 5,535 |
| Return on assets (ROA) | 0.2169% | 5,678 |
| Pretax return on assets | 0.3039% | 5,549 |
| Return on Equity (ROE) | 3.0354% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.0354% | 4,069 |
| Net charge-offs to loans | 0.6343% | 2,555 |
| Credit loss provision to net charge-offs | 68.4221% | 4,910 |
| Earnings coverage of net charge-offs (x) | 1.2849% | 4,815 |
| Efficiency ratio | 83.7588% | 1,789 |
| Assets per employee ($millions) | 4.8258% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 5,871 |
| Loan loss allowance to noncurrent loans | 41.8838% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.7998% | 2,157 |
| Noncurrent loans to loans | 2.5923% | 2,526 |
| Net loans and leases to total assets | 79.0680% | 599 |
| Net loans and leases to deposits | 107.2301% | 222 |
| Net loans and leases to core deposits | 110.9800% | 587 |
| Total domestic deposits to total assets | 73.7368% | 6,744 |
| Equity capital to assets | 7.0759% | 6,943 |
| Core capital (leverage) ratio | 7.7907% | 6,448 |
| Tier 1 risk-based capital ratio | 11.1345% | 6,384 |
| Total risk-based capital ratio | 12.3853% | 6,361 |
| Memoranda: | ||
| Average total assets | $949,357,600 | 686 |
| Average earning assets | $870,367,800 | 673 |
| Average equity | $67,832,400 | 987 |
| Average total loans | $760,351,800 | 540 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 4,116 |
| Cost of funding earning assets | 1.4531% | 1,014 |
| Net interest margin | 3.3236% | 5,789 |
| Noninterest income to average assets | 0.8800% | 1,718 |
| Noninterest expense to average assets | 3.2628% | 2,626 |
| Loan and lease loss provision to assets | 0.3868% | 2,538 |
| Net operating income to assets | 0.1909% | 5,724 |
| Return on assets (ROA) | 0.1898% | 5,858 |
| Pretax return on assets | 0.2750% | 5,759 |
| Return on Equity (ROE) | 2.6494% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.6494% | 4,771 |
| Net charge-offs to loans | 0.7851% | 1,987 |
| Credit loss provision to net charge-offs | 61.4937% | 4,762 |
| Earnings coverage of net charge-offs (x) | 1.0548% | 4,841 |
| Efficiency ratio | 83.1005% | 1,839 |
| Assets per employee ($millions) | 4.8578% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 5,997 |
| Loan loss allowance to noncurrent loans | 36.3285% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 3.1339% | 2,038 |
| Noncurrent loans to loans | 2.9386% | 2,372 |
| Net loans and leases to total assets | 78.3794% | 673 |
| Net loans and leases to deposits | 106.5994% | 236 |
| Net loans and leases to core deposits | 110.3752% | 658 |
| Total domestic deposits to total assets | 73.5271% | 6,810 |
| Equity capital to assets | 7.2102% | 7,010 |
| Core capital (leverage) ratio | 7.7227% | 6,618 |
| Tier 1 risk-based capital ratio | 11.0008% | 6,542 |
| Total risk-based capital ratio | 12.2510% | 6,523 |
| Memoranda: | ||
| Average total assets | $947,822,250 | 697 |
| Average earning assets | $868,744,000 | 685 |
| Average equity | $67,888,000 | 998 |
| Average total loans | $759,493,000 | 545 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7906% | 4,132 |
| Cost of funding earning assets | 1.4689% | 1,123 |
| Net interest margin | 3.3218% | 5,798 |
| Noninterest income to average assets | 0.8696% | 1,745 |
| Noninterest expense to average assets | 3.1883% | 2,948 |
| Loan and lease loss provision to assets | 0.4551% | 2,146 |
| Net operating income to assets | 0.1900% | 5,771 |
| Return on assets (ROA) | 0.1901% | 5,885 |
| Pretax return on assets | 0.2750% | 5,727 |
| Return on Equity (ROE) | 2.6601% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.6601% | 4,598 |
| Net charge-offs to loans | 0.5490% | 2,457 |
| Credit loss provision to net charge-offs | 103.0681% | 3,002 |
| Earnings coverage of net charge-offs (x) | 1.6529% | 4,053 |
| Efficiency ratio | 81.3712% | 2,191 |
| Assets per employee ($millions) | 4.8129% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 5,093 |
| Loan loss allowance to noncurrent loans | 40.5101% | 5,622 |
| Noncurrent assets plus other real estate owned to assets | 3.4547% | 1,907 |
| Noncurrent loans to loans | 3.1908% | 2,247 |
| Net loans and leases to total assets | 79.9801% | 533 |
| Net loans and leases to deposits | 106.4047% | 254 |
| Net loans and leases to core deposits | 109.3318% | 740 |
| Total domestic deposits to total assets | 75.1660% | 6,704 |
| Equity capital to assets | 7.2396% | 7,047 |
| Core capital (leverage) ratio | 7.7774% | 6,529 |
| Tier 1 risk-based capital ratio | 10.8536% | 6,625 |
| Total risk-based capital ratio | 12.1069% | 6,592 |
| Memoranda: | ||
| Average total assets | $944,767,330 | 711 |
| Average earning assets | $867,068,000 | 695 |
| Average equity | $67,517,000 | 1,000 |
| Average total loans | $759,932,330 | 556 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7807% | 4,147 |
| Cost of funding earning assets | 1.4879% | 1,221 |
| Net interest margin | 3.2928% | 5,805 |
| Noninterest income to average assets | 0.9587% | 1,434 |
| Noninterest expense to average assets | 3.2191% | 2,821 |
| Loan and lease loss provision to assets | 0.5077% | 1,711 |
| Net operating income to assets | 0.1905% | 5,812 |
| Return on assets (ROA) | 0.1908% | 5,871 |
| Pretax return on assets | 0.2564% | 5,791 |
| Return on Equity (ROE) | 2.6874% | 5,521 |
| Retained earnings to average equity (ytd only) | 2.6874% | 4,551 |
| Net charge-offs to loans | 0.5992% | 1,996 |
| Credit loss provision to net charge-offs | 105.7269% | 2,518 |
| Earnings coverage of net charge-offs (x) | 1.5903% | 3,517 |
| Efficiency ratio | 80.8264% | 2,394 |
| Assets per employee ($millions) | 4.8138% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 5,182 |
| Loan loss allowance to noncurrent loans | 37.2320% | 5,815 |
| Noncurrent assets plus other real estate owned to assets | 3.1986% | 2,154 |
| Noncurrent loans to loans | 3.4663% | 2,153 |
| Net loans and leases to total assets | 79.6946% | 539 |
| Net loans and leases to deposits | 105.2806% | 272 |
| Net loans and leases to core deposits | 108.7645% | 798 |
| Total domestic deposits to total assets | 75.6973% | 6,717 |
| Equity capital to assets | 7.1023% | 7,050 |
| Core capital (leverage) ratio | 7.6365% | 6,619 |
| Tier 1 risk-based capital ratio | 10.7965% | 6,641 |
| Total risk-based capital ratio | 12.0499% | 6,618 |
| Memoranda: | ||
| Average total assets | $945,487,000 | 716 |
| Average earning assets | $868,328,000 | 701 |
| Average equity | $67,129,000 | 999 |
| Average total loans | $757,721,000 | 568 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 4,437 |
| Cost of funding earning assets | 1.7184% | 1,514 |
| Net interest margin | 3.3052% | 5,963 |
| Noninterest income to average assets | 1.0437% | 1,375 |
| Noninterest expense to average assets | 3.2132% | 3,041 |
| Loan and lease loss provision to assets | 0.6742% | 2,447 |
| Net operating income to assets | 0.1142% | 5,553 |
| Return on assets (ROA) | 0.1174% | 5,685 |
| Pretax return on assets | 0.1955% | 5,496 |
| Return on Equity (ROE) | 1.6562% | 5,509 |
| Retained earnings to average equity (ytd only) | 1.6562% | 4,687 |
| Net charge-offs to loans | 0.6256% | 3,150 |
| Credit loss provision to net charge-offs | 133.5021% | 2,923 |
| Earnings coverage of net charge-offs (x) | 1.7122% | 4,435 |
| Efficiency ratio | 78.7956% | 2,562 |
| Assets per employee ($millions) | 4.8591% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3091% | 4,957 |
| Loan loss allowance to noncurrent loans | 35.6621% | 5,944 |
| Noncurrent assets plus other real estate owned to assets | 3.3549% | 2,091 |
| Noncurrent loans to loans | 3.6710% | 2,030 |
| Net loans and leases to total assets | 78.5002% | 875 |
| Net loans and leases to deposits | 102.9508% | 446 |
| Net loans and leases to core deposits | 107.0379% | 1,124 |
| Total domestic deposits to total assets | 76.2502% | 6,605 |
| Equity capital to assets | 7.0976% | 7,078 |
| Core capital (leverage) ratio | 7.5769% | 6,637 |
| Tier 1 risk-based capital ratio | 10.7710% | 6,511 |
| Total risk-based capital ratio | 12.0240% | 6,478 |
| Memoranda: | ||
| Average total assets | $938,596,400 | 717 |
| Average earning assets | $861,631,200 | 700 |
| Average equity | $66,536,200 | 1,007 |
| Average total loans | $757,622,400 | 569 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0760% | 4,445 |
| Cost of funding earning assets | 1.7518% | 1,617 |
| Net interest margin | 3.3242% | 5,943 |
| Noninterest income to average assets | 0.8677% | 1,922 |
| Noninterest expense to average assets | 3.1278% | 3,198 |
| Loan and lease loss provision to assets | 0.6755% | 2,266 |
| Net operating income to assets | 0.0889% | 5,798 |
| Return on assets (ROA) | 0.0917% | 5,936 |
| Pretax return on assets | 0.1189% | 5,884 |
| Return on Equity (ROE) | 1.2943% | 5,821 |
| Retained earnings to average equity (ytd only) | 1.2943% | 5,293 |
| Net charge-offs to loans | 0.4701% | 3,397 |
| Credit loss provision to net charge-offs | 177.3712% | 2,075 |
| Earnings coverage of net charge-offs (x) | 2.0762% | 4,167 |
| Efficiency ratio | 79.8222% | 2,362 |
| Assets per employee ($millions) | 4.8875% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,628 |
| Loan loss allowance to noncurrent loans | 41.1440% | 5,551 |
| Noncurrent assets plus other real estate owned to assets | 3.0963% | 2,337 |
| Noncurrent loans to loans | 3.3278% | 2,387 |
| Net loans and leases to total assets | 78.2534% | 993 |
| Net loans and leases to deposits | 102.3376% | 517 |
| Net loans and leases to core deposits | 106.4458% | 1,290 |
| Total domestic deposits to total assets | 76.4660% | 6,575 |
| Equity capital to assets | 7.1215% | 7,296 |
| Core capital (leverage) ratio | 7.5571% | 6,808 |
| Tier 1 risk-based capital ratio | 10.6943% | 6,639 |
| Total risk-based capital ratio | 11.9482% | 6,624 |
| Memoranda: | ||
| Average total assets | $937,581,500 | 715 |
| Average earning assets | $860,447,750 | 702 |
| Average equity | $66,443,750 | 1,009 |
| Average total loans | $759,577,250 | 573 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1001% | 4,454 |
| Cost of funding earning assets | 1.7917% | 1,674 |
| Net interest margin | 3.3085% | 5,990 |
| Noninterest income to average assets | 0.8706% | 1,800 |
| Noninterest expense to average assets | 3.1292% | 3,185 |
| Loan and lease loss provision to assets | 0.6959% | 2,087 |
| Net operating income to assets | 0.0563% | 5,979 |
| Return on assets (ROA) | 0.0604% | 6,066 |
| Pretax return on assets | 0.0827% | 6,013 |
| Return on Equity (ROE) | 0.8535% | 5,990 |
| Retained earnings to average equity (ytd only) | 0.8535% | 5,424 |
| Net charge-offs to loans | 0.4357% | 3,243 |
| Credit loss provision to net charge-offs | 195.7831% | 2,018 |
| Earnings coverage of net charge-offs (x) | 2.1747% | 3,930 |
| Efficiency ratio | 80.1910% | 2,423 |
| Assets per employee ($millions) | 4.8940% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 4,989 |
| Loan loss allowance to noncurrent loans | 36.9098% | 5,898 |
| Noncurrent assets plus other real estate owned to assets | 3.3211% | 2,124 |
| Noncurrent loans to loans | 3.4931% | 2,269 |
| Net loans and leases to total assets | 79.9964% | 802 |
| Net loans and leases to deposits | 103.3484% | 521 |
| Net loans and leases to core deposits | 107.9178% | 1,303 |
| Total domestic deposits to total assets | 77.4046% | 6,411 |
| Equity capital to assets | 7.1146% | 7,304 |
| Core capital (leverage) ratio | 7.5124% | 6,816 |
| Tier 1 risk-based capital ratio | 10.4948% | 6,691 |
| Total risk-based capital ratio | 11.7475% | 6,673 |
| Memoranda: | ||
| Average total assets | $934,051,670 | 711 |
| Average earning assets | $855,858,000 | 702 |
| Average equity | $66,083,670 | 1,004 |
| Average total loans | $762,011,000 | 571 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 4,430 |
| Cost of funding earning assets | 1.8118% | 1,829 |
| Net interest margin | 3.3095% | 5,936 |
| Noninterest income to average assets | 0.8681% | 1,744 |
| Noninterest expense to average assets | 3.1605% | 3,011 |
| Loan and lease loss provision to assets | 0.6872% | 1,851 |
| Net operating income to assets | 0.0357% | 6,203 |
| Return on assets (ROA) | 0.0357% | 6,320 |
| Pretax return on assets | 0.0490% | 6,255 |
| Return on Equity (ROE) | 0.5053% | 6,269 |
| Retained earnings to average equity (ytd only) | 0.5053% | 5,631 |
| Net charge-offs to loans | 0.3878% | 2,882 |
| Credit loss provision to net charge-offs | 216.5088% | 1,730 |
| Earnings coverage of net charge-offs (x) | 2.3194% | 3,384 |
| Efficiency ratio | 81.1067% | 2,400 |
| Assets per employee ($millions) | 4.8679% | 2,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 5,554 |
| Loan loss allowance to noncurrent loans | 31.2079% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 3.5325% | 1,988 |
| Noncurrent loans to loans | 3.8136% | 2,076 |
| Net loans and leases to total assets | 79.4943% | 909 |
| Net loans and leases to deposits | 102.8273% | 601 |
| Net loans and leases to core deposits | 107.6372% | 1,448 |
| Total domestic deposits to total assets | 77.3085% | 6,489 |
| Equity capital to assets | 6.9385% | 7,399 |
| Core capital (leverage) ratio | 7.6350% | 6,694 |
| Tier 1 risk-based capital ratio | 10.2722% | 6,821 |
| Total risk-based capital ratio | 11.5231% | 6,817 |
| Memoranda: | ||
| Average total assets | $931,252,500 | 731 |
| Average earning assets | $852,207,500 | 721 |
| Average equity | $65,699,500 | 1,014 |
| Average total loans | $762,264,500 | 594 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4117% | 4,644 |
| Cost of funding earning assets | 2.1612% | 2,181 |
| Net interest margin | 3.2505% | 5,930 |
| Noninterest income to average assets | 1.2385% | 985 |
| Noninterest expense to average assets | 3.2024% | 3,372 |
| Loan and lease loss provision to assets | 0.9714% | 2,324 |
| Net operating income to assets | 0.0799% | 5,268 |
| Return on assets (ROA) | 0.0133% | 5,495 |
| Pretax return on assets | -0.0416% | 5,510 |
| Return on Equity (ROE) | 0.1852% | 5,474 |
| Retained earnings to average equity (ytd only) | 0.1852% | 4,800 |
| Net charge-offs to loans | 0.7094% | 3,060 |
| Credit loss provision to net charge-offs | 163.0040% | 2,696 |
| Earnings coverage of net charge-offs (x) | 1.7348% | 4,426 |
| Efficiency ratio | 75.5825% | 3,599 |
| Assets per employee ($millions) | 4.8066% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 5,990 |
| Loan loss allowance to noncurrent loans | 25.7519% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 3.8143% | 1,745 |
| Noncurrent loans to loans | 4.1994% | 1,737 |
| Net loans and leases to total assets | 82.4099% | 629 |
| Net loans and leases to deposits | 109.0683% | 416 |
| Net loans and leases to core deposits | 125.8095% | 1,529 |
| Total domestic deposits to total assets | 75.5581% | 6,766 |
| Equity capital to assets | 7.1760% | 7,279 |
| Core capital (leverage) ratio | 7.7680% | 6,488 |
| Tier 1 risk-based capital ratio | 10.1500% | 6,740 |
| Total risk-based capital ratio | 11.3355% | 6,760 |
| Memoranda: | ||
| Average total assets | $923,943,000 | 734 |
| Average earning assets | $852,072,800 | 711 |
| Average equity | $66,397,200 | 995 |
| Average total loans | $776,132,800 | 588 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4663% | 4,596 |
| Cost of funding earning assets | 2.2135% | 2,346 |
| Net interest margin | 3.2527% | 5,821 |
| Noninterest income to average assets | 1.3398% | 856 |
| Noninterest expense to average assets | 3.1790% | 3,367 |
| Loan and lease loss provision to assets | 0.8454% | 2,266 |
| Net operating income to assets | 0.2665% | 4,921 |
| Return on assets (ROA) | 0.1132% | 5,481 |
| Pretax return on assets | 0.1371% | 5,446 |
| Return on Equity (ROE) | 1.5752% | 5,306 |
| Retained earnings to average equity (ytd only) | 1.5752% | 4,433 |
| Net charge-offs to loans | 0.5311% | 3,094 |
| Credit loss provision to net charge-offs | 189.0892% | 2,405 |
| Earnings coverage of net charge-offs (x) | 2.6106% | 3,917 |
| Efficiency ratio | 73.1294% | 4,032 |
| Assets per employee ($millions) | 4.6426% | 2,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 6,335 |
| Loan loss allowance to noncurrent loans | 29.6572% | 6,483 |
| Noncurrent assets plus other real estate owned to assets | 3.0776% | 2,231 |
| Noncurrent loans to loans | 3.3523% | 2,253 |
| Net loans and leases to total assets | 81.9553% | 820 |
| Net loans and leases to deposits | 109.3207% | 486 |
| Net loans and leases to core deposits | 126.6687% | 1,688 |
| Total domestic deposits to total assets | 74.9677% | 6,776 |
| Equity capital to assets | 7.4447% | 7,340 |
| Core capital (leverage) ratio | 7.8017% | 6,607 |
| Tier 1 risk-based capital ratio | 10.3098% | 6,668 |
| Total risk-based capital ratio | 11.4013% | 6,770 |
| Memoranda: | ||
| Average total assets | $926,613,000 | 739 |
| Average earning assets | $856,409,250 | 718 |
| Average equity | $66,612,500 | 1,005 |
| Average total loans | $779,954,250 | 605 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5351% | 4,415 |
| Cost of funding earning assets | 2.2500% | 2,575 |
| Net interest margin | 3.2852% | 5,607 |
| Noninterest income to average assets | 1.4670% | 686 |
| Noninterest expense to average assets | 3.3511% | 2,783 |
| Loan and lease loss provision to assets | 0.6662% | 2,437 |
| Net operating income to assets | 0.3489% | 4,684 |
| Return on assets (ROA) | 0.1519% | 5,510 |
| Pretax return on assets | 0.2110% | 5,439 |
| Return on Equity (ROE) | 2.1385% | 5,242 |
| Retained earnings to average equity (ytd only) | 2.1385% | 4,156 |
| Net charge-offs to loans | 0.3687% | 3,342 |
| Credit loss provision to net charge-offs | 213.4986% | 2,155 |
| Earnings coverage of net charge-offs (x) | 3.6880% | 3,338 |
| Efficiency ratio | 74.4128% | 3,969 |
| Assets per employee ($millions) | 4.6160% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 7,013 |
| Loan loss allowance to noncurrent loans | 36.6428% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 2.0964% | 3,064 |
| Noncurrent loans to loans | 2.2944% | 3,143 |
| Net loans and leases to total assets | 82.2623% | 908 |
| Net loans and leases to deposits | 111.3882% | 504 |
| Net loans and leases to core deposits | 129.5010% | 1,611 |
| Total domestic deposits to total assets | 73.8519% | 6,968 |
| Equity capital to assets | 7.2645% | 7,439 |
| Core capital (leverage) ratio | 7.6974% | 6,762 |
| Tier 1 risk-based capital ratio | 10.1602% | 6,761 |
| Total risk-based capital ratio | 11.0810% | 7,045 |
| Memoranda: | ||
| Average total assets | $930,617,670 | 754 |
| Average earning assets | $859,745,000 | 736 |
| Average equity | $66,120,330 | 1,019 |
| Average total loans | $787,576,000 | 618 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6081% | 4,302 |
| Cost of funding earning assets | 2.2883% | 2,752 |
| Net interest margin | 3.3198% | 5,433 |
| Noninterest income to average assets | 1.3790% | 746 |
| Noninterest expense to average assets | 3.1726% | 3,100 |
| Loan and lease loss provision to assets | 0.5872% | 2,143 |
| Net operating income to assets | 0.5037% | 4,405 |
| Return on assets (ROA) | 0.2165% | 5,769 |
| Pretax return on assets | 0.3019% | 5,677 |
| Return on Equity (ROE) | 3.0814% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.0814% | 4,161 |
| Net charge-offs to loans | 0.3244% | 2,794 |
| Credit loss provision to net charge-offs | 211.8644% | 2,125 |
| Earnings coverage of net charge-offs (x) | 4.6471% | 2,839 |
| Efficiency ratio | 71.0771% | 4,353 |
| Assets per employee ($millions) | 4.7928% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 7,461 |
| Loan loss allowance to noncurrent loans | 40.8323% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 1.5877% | 3,540 |
| Noncurrent loans to loans | 1.6922% | 3,716 |
| Net loans and leases to total assets | 84.3494% | 639 |
| Net loans and leases to deposits | 113.7300% | 459 |
| Net loans and leases to core deposits | 133.1243% | 1,470 |
| Total domestic deposits to total assets | 74.1664% | 6,858 |
| Equity capital to assets | 7.0385% | 7,661 |
| Core capital (leverage) ratio | 7.4020% | 7,273 |
| Tier 1 risk-based capital ratio | 9.7436% | 7,208 |
| Total risk-based capital ratio | 10.5080% | 7,602 |
| Memoranda: | ||
| Average total assets | $936,633,000 | 751 |
| Average earning assets | $869,449,000 | 730 |
| Average equity | $65,815,000 | 1,029 |
| Average total loans | $800,335,000 | 617 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0498% | 5,302 |
| Cost of funding earning assets | 2.8268% | 2,595 |
| Net interest margin | 3.2230% | 6,293 |
| Noninterest income to average assets | 0.5387% | 4,331 |
| Noninterest expense to average assets | 2.9171% | 4,389 |
| Loan and lease loss provision to assets | 0.4828% | 2,887 |
| Net operating income to assets | 0.1266% | 6,031 |
| Return on assets (ROA) | 0.0104% | 6,197 |
| Pretax return on assets | -0.0390% | 6,196 |
| Return on Equity (ROE) | 0.1353% | 6,184 |
| Retained earnings to average equity (ytd only) | 0.1353% | 5,147 |
| Net charge-offs to loans | 0.3888% | 2,877 |
| Credit loss provision to net charge-offs | 145.6146% | 3,625 |
| Earnings coverage of net charge-offs (x) | 1.8859% | 5,124 |
| Efficiency ratio | 82.2536% | 2,274 |
| Assets per employee ($millions) | 4.8385% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5898% | 7,694 |
| Loan loss allowance to noncurrent loans | 52.7021% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 1.1118% | 4,052 |
| Noncurrent loans to loans | 1.1192% | 4,310 |
| Net loans and leases to total assets | 85.4507% | 668 |
| Net loans and leases to deposits | 117.6305% | 456 |
| Net loans and leases to core deposits | 137.5645% | 1,407 |
| Total domestic deposits to total assets | 72.6433% | 6,892 |
| Equity capital to assets | 7.0151% | 7,731 |
| Core capital (leverage) ratio | 7.3973% | 7,307 |
| Tier 1 risk-based capital ratio | 9.6593% | 7,134 |
| Total risk-based capital ratio | 10.3197% | 7,710 |
| Memoranda: | ||
| Average total assets | $890,655,400 | 755 |
| Average earning assets | $830,024,200 | 727 |
| Average equity | $68,729,800 | 975 |
| Average total loans | $759,497,800 | 631 |