Home > Northern Bank & Trust Company > Performance and Condition Ratios
Northern Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0800% | 208 |
| Cost of funding earning assets | 2.0577% | 837 |
| Net interest margin | 5.0222% | 309 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.0836% | 3,444 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 2.0445% | 441 |
| Return on assets (ROA) | 2.0450% | 424 |
| Pretax return on assets | 2.8792% | 228 |
| Return on Equity (ROE) | 14.2200% | 1,439 |
| Retained earnings to average equity (ytd only) | 7.1271% | 1,858 |
| Net charge-offs to loans | 0.0440% | 1,452 |
| Credit loss provision to net charge-offs | 293.2985% | 970 |
| Earnings coverage of net charge-offs (x) | 76.0661% | 1,057 |
| Efficiency ratio | 41.2204% | 4,334 |
| Assets per employee ($millions) | 11.7977% | 433 |
| Cash dividends to net income (ytd only)* | 49.8720% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8507% | 490 |
| Loan loss allowance to noncurrent loans | 140.8388% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3478% | 302 |
| Noncurrent loans to loans | 1.3141% | 529 |
| Net loans and leases to total assets | 86.2800% | 146 |
| Net loans and leases to deposits | 105.2400% | 316 |
| Net loans and leases to core deposits | 142.0349% | 255 |
| Total domestic deposits to total assets | 81.9800% | 3,128 |
| Equity capital to assets | 13.9954% | 682 |
| Core capital (leverage) ratio | 14.6345% | 682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4844% | 1,186 |
| Memoranda: | ||
| Average total assets | $2,941,572,200 | 401 |
| Average earning assets | $2,770,285,800 | 386 |
| Average equity | $423,091,200 | 303 |
| Average total loans | $2,609,031,200 | 332 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8289% | 226 |
| Cost of funding earning assets | 1.9112% | 844 |
| Net interest margin | 4.9177% | 346 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.9857% | 3,630 |
| Loan and lease loss provision to assets | -0.0500% | 4,475 |
| Net operating income to assets | 2.2150% | 368 |
| Return on assets (ROA) | 2.2130% | 362 |
| Pretax return on assets | 3.0628% | 221 |
| Return on Equity (ROE) | 15.2800% | 1,399 |
| Retained earnings to average equity (ytd only) | 8.1308% | 1,916 |
| Net charge-offs to loans | -0.0183% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.7013% | 4,366 |
| Assets per employee ($millions) | 11.7747% | 398 |
| Cash dividends to net income (ytd only)* | 46.7717% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 528 |
| Loan loss allowance to noncurrent loans | 145.4188% | 2,857 |
| Noncurrent assets plus other real estate owned to assets | 1.3369% | 306 |
| Noncurrent loans to loans | 1.2669% | 605 |
| Net loans and leases to total assets | 87.7900% | 87 |
| Net loans and leases to deposits | 106.0006% | 291 |
| Net loans and leases to core deposits | 143.1234% | 191 |
| Total domestic deposits to total assets | 82.8200% | 3,044 |
| Equity capital to assets | 14.6309% | 571 |
| Core capital (leverage) ratio | 14.9888% | 625 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8349% | 1,128 |
| Memoranda: | ||
| Average total assets | $2,898,314,500 | 407 |
| Average earning assets | $2,725,383,500 | 394 |
| Average equity | $419,889,000 | 308 |
| Average total loans | $2,576,803,500 | 335 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 53,932.0000% | 14 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 446,812.0000% | 7 |
| Cost of funding earning assets | -1,707.0000% | 4,665 |
| Net interest margin | 0.0000% | 4,613 |
| Noninterest income to average assets | -0.0003% | 4,640 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.0000% | 4,418 |
| Return on assets (ROA) | 2.2768% | 307 |
| Pretax return on assets | 3.1601% | 181 |
| Return on Equity (ROE) | 15.7700% | 1,308 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 2.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 3.2343% | 4,618 |
| Assets per employee ($millions) | 0.0028% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | 0.0984% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 1.0000% | 464 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 7,020.0000% | 10 |
| Equity capital to assets | 38,600.0000% | 14 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $9,134,000 | 4,616 |
| Average earning assets | $2,642 | 4,638 |
| Average equity | $0 | 4,598 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5766% | 164 |
| Cost of funding earning assets | 1.4955% | 856 |
| Net interest margin | 5.0812% | 265 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.7619% | 4,096 |
| Loan and lease loss provision to assets | -0.2100% | 4,629 |
| Net operating income to assets | 2.5650% | 228 |
| Return on assets (ROA) | 2.5672% | 224 |
| Pretax return on assets | 3.5761% | 133 |
| Return on Equity (ROE) | 17.6100% | 1,082 |
| Retained earnings to average equity (ytd only) | 10.3455% | 1,617 |
| Net charge-offs to loans | -0.0335% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 34.4054% | 4,565 |
| Assets per employee ($millions) | 11.7383% | 428 |
| Cash dividends to net income (ytd only)* | 41.2677% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8455% | 609 |
| Loan loss allowance to noncurrent loans | 179.7638% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.9279% | 467 |
| Noncurrent loans to loans | 1.0266% | 706 |
| Net loans and leases to total assets | 88.7200% | 53 |
| Net loans and leases to deposits | 110.9529% | 171 |
| Net loans and leases to core deposits | 144.1690% | 154 |
| Total domestic deposits to total assets | 79.9600% | 3,766 |
| Equity capital to assets | 14.7370% | 506 |
| Core capital (leverage) ratio | 15.0817% | 565 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6137% | 1,231 |
| Memoranda: | ||
| Average total assets | $2,831,687,500 | 417 |
| Average earning assets | $2,682,219,500 | 399 |
| Average equity | $412,700,500 | 307 |
| Average total loans | $2,543,824,000 | 336 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7458% | 117 |
| Cost of funding earning assets | 0.3977% | 2,129 |
| Net interest margin | 5.3481% | 99 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.8956% | 3,834 |
| Loan and lease loss provision to assets | 0.2100% | 483 |
| Net operating income to assets | 2.3374% | 177 |
| Return on assets (ROA) | 2.3322% | 172 |
| Pretax return on assets | 3.2510% | 112 |
| Return on Equity (ROE) | 16.8800% | 879 |
| Retained earnings to average equity (ytd only) | 12.2315% | 624 |
| Net charge-offs to loans | 0.0279% | 1,503 |
| Credit loss provision to net charge-offs | 897.0105% | 465 |
| Earnings coverage of net charge-offs (x) | 145.4544% | 806 |
| Efficiency ratio | 35.3179% | 4,612 |
| Assets per employee ($millions) | 12.0615% | 383 |
| Cash dividends to net income (ytd only)* | 27.5347% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8050% | 654 |
| Loan loss allowance to noncurrent loans | 196.2029% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 0.8214% | 573 |
| Noncurrent loans to loans | 0.9200% | 805 |
| Net loans and leases to total assets | 87.6700% | 80 |
| Net loans and leases to deposits | 109.8355% | 158 |
| Net loans and leases to core deposits | 133.1263% | 198 |
| Total domestic deposits to total assets | 79.8200% | 3,904 |
| Equity capital to assets | 14.4121% | 531 |
| Core capital (leverage) ratio | 15.0738% | 558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5218% | 1,230 |
| Memoranda: | ||
| Average total assets | $2,802,989,400 | 415 |
| Average earning assets | $2,674,325,800 | 395 |
| Average equity | $387,294,800 | 317 |
| Average total loans | $2,394,290,800 | 325 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5159% | 114 |
| Cost of funding earning assets | 0.2344% | 2,879 |
| Net interest margin | 5.2816% | 91 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.8420% | 3,896 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 2.4513% | 161 |
| Return on assets (ROA) | 2.4441% | 159 |
| Pretax return on assets | 3.4071% | 110 |
| Return on Equity (ROE) | 17.8800% | 659 |
| Retained earnings to average equity (ytd only) | 13.6959% | 510 |
| Net charge-offs to loans | 0.0304% | 1,229 |
| Credit loss provision to net charge-offs | 208.3643% | 961 |
| Earnings coverage of net charge-offs (x) | 135.1989% | 791 |
| Efficiency ratio | 34.6789% | 4,658 |
| Assets per employee ($millions) | 11.9266% | 393 |
| Cash dividends to net income (ytd only)* | 23.4197% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 886 |
| Loan loss allowance to noncurrent loans | 204.1245% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 705 |
| Noncurrent loans to loans | 0.8301% | 948 |
| Net loans and leases to total assets | 86.1900% | 107 |
| Net loans and leases to deposits | 108.4483% | 143 |
| Net loans and leases to core deposits | 122.7189% | 214 |
| Total domestic deposits to total assets | 79.4800% | 4,145 |
| Equity capital to assets | 14.4217% | 516 |
| Core capital (leverage) ratio | 15.1723% | 529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8791% | 1,202 |
| Memoranda: | ||
| Average total assets | $2,795,125,000 | 418 |
| Average earning assets | $2,672,172,250 | 398 |
| Average equity | $381,993,000 | 322 |
| Average total loans | $2,360,193,250 | 326 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2060% | 132 |
| Cost of funding earning assets | 0.1917% | 3,027 |
| Net interest margin | 5.0143% | 104 |
| Noninterest income to average assets | 0.2780% | 3,506 |
| Noninterest expense to average assets | 1.6344% | 4,250 |
| Loan and lease loss provision to assets | 0.0459% | 1,748 |
| Net operating income to assets | 2.4369% | 123 |
| Return on assets (ROA) | 2.4301% | 121 |
| Pretax return on assets | 3.3856% | 74 |
| Return on Equity (ROE) | 18.1091% | 462 |
| Retained earnings to average equity (ytd only) | 14.9251% | 270 |
| Net charge-offs to loans | 0.0466% | 929 |
| Credit loss provision to net charge-offs | 118.1319% | 1,190 |
| Earnings coverage of net charge-offs (x) | 88.4762% | 875 |
| Efficiency ratio | 32.2079% | 4,699 |
| Assets per employee ($millions) | 11.6628% | 412 |
| Cash dividends to net income (ytd only)* | 17.5824% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6886% | 980 |
| Loan loss allowance to noncurrent loans | 197.9687% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.7329% | 730 |
| Noncurrent loans to loans | 0.8530% | 1,002 |
| Net loans and leases to total assets | 84.4781% | 167 |
| Net loans and leases to deposits | 101.4743% | 228 |
| Net loans and leases to core deposits | 106.4578% | 435 |
| Total domestic deposits to total assets | 83.2508% | 3,826 |
| Equity capital to assets | 13.9299% | 527 |
| Core capital (leverage) ratio | 14.2377% | 586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5297% | 1,299 |
| Memoranda: | ||
| Average total assets | $2,808,484,000 | 412 |
| Average earning assets | $2,686,521,667 | 398 |
| Average equity | $376,882,000 | 329 |
| Average total loans | $2,341,730,000 | 320 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0545% | 143 |
| Cost of funding earning assets | 0.1905% | 2,942 |
| Net interest margin | 4.8640% | 108 |
| Noninterest income to average assets | 0.3405% | 3,054 |
| Noninterest expense to average assets | 1.5276% | 4,387 |
| Loan and lease loss provision to assets | 0.1161% | 722 |
| Net operating income to assets | 2.4033% | 132 |
| Return on assets (ROA) | 2.3957% | 131 |
| Pretax return on assets | 3.3466% | 83 |
| Return on Equity (ROE) | 18.1949% | 321 |
| Retained earnings to average equity (ytd only) | 18.1949% | 136 |
| Net charge-offs to loans | -0.0594% | 4,315 |
| Credit loss provision to net charge-offs | -237.7907% | 3,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5531% | 4,738 |
| Assets per employee ($millions) | 12.0879% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7781% | 912 |
| Loan loss allowance to noncurrent loans | 129.9562% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1538% | 388 |
| Noncurrent loans to loans | 1.3682% | 631 |
| Net loans and leases to total assets | 82.8319% | 127 |
| Net loans and leases to deposits | 97.1395% | 251 |
| Net loans and leases to core deposits | 102.7720% | 426 |
| Total domestic deposits to total assets | 85.2711% | 3,476 |
| Equity capital to assets | 13.6660% | 577 |
| Core capital (leverage) ratio | 13.9852% | 588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7627% | 1,324 |
| Memoranda: | ||
| Average total assets | $2,819,021,000 | 412 |
| Average earning assets | $2,700,389,000 | 396 |
| Average equity | $371,181,500 | 344 |
| Average total loans | $2,314,996,500 | 325 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1134% | 223 |
| Cost of funding earning assets | 0.2708% | 2,695 |
| Net interest margin | 4.8426% | 172 |
| Noninterest income to average assets | 0.2984% | 3,612 |
| Noninterest expense to average assets | 1.7764% | 4,181 |
| Loan and lease loss provision to assets | 0.1143% | 1,099 |
| Net operating income to assets | 2.1892% | 250 |
| Return on assets (ROA) | 2.1890% | 262 |
| Pretax return on assets | 3.0402% | 141 |
| Return on Equity (ROE) | 17.2889% | 545 |
| Retained earnings to average equity (ytd only) | 17.2889% | 113 |
| Net charge-offs to loans | 0.0171% | 1,944 |
| Credit loss provision to net charge-offs | 792.6702% | 608 |
| Earnings coverage of net charge-offs (x) | 218.8220% | 509 |
| Efficiency ratio | 36.0233% | 4,753 |
| Assets per employee ($millions) | 12.8121% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7575% | 931 |
| Loan loss allowance to noncurrent loans | 125.5242% | 3,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1200% | 463 |
| Noncurrent loans to loans | 1.4002% | 666 |
| Net loans and leases to total assets | 78.5823% | 349 |
| Net loans and leases to deposits | 91.3226% | 511 |
| Net loans and leases to core deposits | 96.2489% | 680 |
| Total domestic deposits to total assets | 86.0492% | 2,885 |
| Equity capital to assets | 12.6857% | 998 |
| Core capital (leverage) ratio | 13.8724% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6406% | 1,353 |
| Memoranda: | ||
| Average total assets | $2,649,564,600 | 420 |
| Average earning assets | $2,534,840,600 | 398 |
| Average equity | $335,463,000 | 367 |
| Average total loans | $2,240,244,200 | 331 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 221 |
| Cost of funding earning assets | 0.2945% | 2,646 |
| Net interest margin | 4.9117% | 175 |
| Noninterest income to average assets | 0.3219% | 3,503 |
| Noninterest expense to average assets | 1.6859% | 4,349 |
| Loan and lease loss provision to assets | 0.1318% | 873 |
| Net operating income to assets | 2.2984% | 274 |
| Return on assets (ROA) | 2.2986% | 290 |
| Pretax return on assets | 3.2011% | 146 |
| Return on Equity (ROE) | 18.1644% | 609 |
| Retained earnings to average equity (ytd only) | 18.1644% | 189 |
| Net charge-offs to loans | 0.0258% | 1,526 |
| Credit loss provision to net charge-offs | 596.2791% | 708 |
| Earnings coverage of net charge-offs (x) | 150.8163% | 677 |
| Efficiency ratio | 33.5931% | 4,838 |
| Assets per employee ($millions) | 11.8509% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 863 |
| Loan loss allowance to noncurrent loans | 172.5760% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.8695% | 799 |
| Noncurrent loans to loans | 1.0648% | 1,067 |
| Net loans and leases to total assets | 80.1610% | 279 |
| Net loans and leases to deposits | 93.7535% | 425 |
| Net loans and leases to core deposits | 100.4037% | 574 |
| Total domestic deposits to total assets | 85.5019% | 2,945 |
| Equity capital to assets | 13.1822% | 933 |
| Core capital (leverage) ratio | 13.5881% | 715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1962% | 1,313 |
| Memoranda: | ||
| Average total assets | $2,594,479,000 | 428 |
| Average earning assets | $2,480,923,250 | 408 |
| Average equity | $328,311,500 | 371 |
| Average total loans | $2,226,408,750 | 336 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1797% | 264 |
| Cost of funding earning assets | 0.3208% | 2,580 |
| Net interest margin | 4.8590% | 207 |
| Noninterest income to average assets | 0.3271% | 3,467 |
| Noninterest expense to average assets | 1.5162% | 4,608 |
| Loan and lease loss provision to assets | 0.1466% | 816 |
| Net operating income to assets | 2.3766% | 258 |
| Return on assets (ROA) | 2.3774% | 277 |
| Pretax return on assets | 3.3115% | 138 |
| Return on Equity (ROE) | 19.0606% | 538 |
| Retained earnings to average equity (ytd only) | 19.0606% | 188 |
| Net charge-offs to loans | 0.0411% | 1,223 |
| Credit loss provision to net charge-offs | 408.4416% | 751 |
| Earnings coverage of net charge-offs (x) | 96.3225% | 770 |
| Efficiency ratio | 30.4867% | 4,891 |
| Assets per employee ($millions) | 11.4133% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 972 |
| Loan loss allowance to noncurrent loans | 212.4742% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 1,141 |
| Noncurrent loans to loans | 0.8235% | 1,490 |
| Net loans and leases to total assets | 85.9352% | 84 |
| Net loans and leases to deposits | 101.3481% | 225 |
| Net loans and leases to core deposits | 109.0161% | 390 |
| Total domestic deposits to total assets | 84.7922% | 3,182 |
| Equity capital to assets | 13.1442% | 904 |
| Core capital (leverage) ratio | 13.5413% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4045% | 1,501 |
| Memoranda: | ||
| Average total assets | $2,574,435,333 | 425 |
| Average earning assets | $2,461,714,667 | 409 |
| Average equity | $321,103,000 | 372 |
| Average total loans | $2,245,946,333 | 333 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 254 |
| Cost of funding earning assets | 0.3617% | 2,428 |
| Net interest margin | 4.8806% | 219 |
| Noninterest income to average assets | 0.3538% | 3,319 |
| Noninterest expense to average assets | 1.4869% | 4,666 |
| Loan and lease loss provision to assets | 0.0977% | 1,377 |
| Net operating income to assets | 2.4525% | 284 |
| Return on assets (ROA) | 2.4540% | 307 |
| Pretax return on assets | 3.4406% | 154 |
| Return on Equity (ROE) | 20.2134% | 514 |
| Retained earnings to average equity (ytd only) | 20.2134% | 263 |
| Net charge-offs to loans | 0.0885% | 752 |
| Credit loss provision to net charge-offs | 126.7068% | 1,029 |
| Earnings coverage of net charge-offs (x) | 45.8635% | 934 |
| Efficiency ratio | 29.5996% | 4,911 |
| Assets per employee ($millions) | 12.2532% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6438% | 1,184 |
| Loan loss allowance to noncurrent loans | 262.9848% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 1,702 |
| Noncurrent loans to loans | 0.6251% | 2,007 |
| Net loans and leases to total assets | 87.5569% | 54 |
| Net loans and leases to deposits | 104.9007% | 190 |
| Net loans and leases to core deposits | 115.5434% | 294 |
| Total domestic deposits to total assets | 83.4665% | 3,573 |
| Equity capital to assets | 12.4123% | 1,113 |
| Core capital (leverage) ratio | 12.9153% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7469% | 1,660 |
| Memoranda: | ||
| Average total assets | $2,583,361,000 | 419 |
| Average earning assets | $2,471,682,500 | 403 |
| Average equity | $313,633,000 | 376 |
| Average total loans | $2,250,854,000 | 334 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 325 |
| Cost of funding earning assets | 0.8064% | 1,179 |
| Net interest margin | 4.4135% | 392 |
| Noninterest income to average assets | 0.4107% | 3,042 |
| Noninterest expense to average assets | 1.7546% | 4,539 |
| Loan and lease loss provision to assets | 0.4567% | 606 |
| Net operating income to assets | 1.7451% | 444 |
| Return on assets (ROA) | 1.7456% | 480 |
| Pretax return on assets | 2.4199% | 210 |
| Return on Equity (ROE) | 15.2892% | 592 |
| Retained earnings to average equity (ytd only) | 15.2892% | 145 |
| Net charge-offs to loans | -0.0022% | 3,997 |
| Credit loss provision to net charge-offs | -24,229.7872% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8925% | 4,911 |
| Assets per employee ($millions) | 11.9392% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7135% | 1,012 |
| Loan loss allowance to noncurrent loans | 269.9799% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.5415% | 1,934 |
| Noncurrent loans to loans | 0.6347% | 2,101 |
| Net loans and leases to total assets | 83.8530% | 181 |
| Net loans and leases to deposits | 96.6091% | 519 |
| Net loans and leases to core deposits | 109.7881% | 516 |
| Total domestic deposits to total assets | 86.7961% | 2,037 |
| Equity capital to assets | 11.8751% | 1,636 |
| Core capital (leverage) ratio | 12.1992% | 1,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5994% | 1,651 |
| Memoranda: | ||
| Average total assets | $2,493,325,600 | 395 |
| Average earning assets | $2,383,904,200 | 381 |
| Average equity | $284,671,200 | 389 |
| Average total loans | $2,094,002,800 | 343 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1497% | 453 |
| Cost of funding earning assets | 0.8809% | 1,132 |
| Net interest margin | 4.2688% | 629 |
| Noninterest income to average assets | 0.3898% | 3,131 |
| Noninterest expense to average assets | 1.5703% | 4,755 |
| Loan and lease loss provision to assets | 0.3045% | 1,324 |
| Net operating income to assets | 1.8586% | 405 |
| Return on assets (ROA) | 1.8596% | 446 |
| Pretax return on assets | 2.5954% | 183 |
| Return on Equity (ROE) | 16.4597% | 495 |
| Retained earnings to average equity (ytd only) | 16.4597% | 139 |
| Net charge-offs to loans | -0.0074% | 4,159 |
| Credit loss provision to net charge-offs | -4,908.6957% | 4,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1385% | 4,961 |
| Assets per employee ($millions) | 12.0056% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,539 |
| Loan loss allowance to noncurrent loans | 743.5338% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 3,615 |
| Noncurrent loans to loans | 0.1948% | 3,616 |
| Net loans and leases to total assets | 81.3970% | 494 |
| Net loans and leases to deposits | 101.3183% | 481 |
| Net loans and leases to core deposits | 121.4057% | 386 |
| Total domestic deposits to total assets | 80.3378% | 3,796 |
| Equity capital to assets | 11.1193% | 2,307 |
| Core capital (leverage) ratio | 12.0204% | 1,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3647% | 1,704 |
| Memoranda: | ||
| Average total assets | $2,471,938,500 | 393 |
| Average earning assets | $2,362,146,500 | 375 |
| Average equity | $279,278,000 | 387 |
| Average total loans | $2,067,462,750 | 341 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3030% | 480 |
| Cost of funding earning assets | 0.9727% | 1,062 |
| Net interest margin | 4.3302% | 704 |
| Noninterest income to average assets | 0.3670% | 3,276 |
| Noninterest expense to average assets | 1.6484% | 4,733 |
| Loan and lease loss provision to assets | 0.4691% | 809 |
| Net operating income to assets | 1.7095% | 609 |
| Return on assets (ROA) | 1.7113% | 664 |
| Pretax return on assets | 2.3876% | 256 |
| Return on Equity (ROE) | 15.0582% | 699 |
| Retained earnings to average equity (ytd only) | 15.0582% | 219 |
| Net charge-offs to loans | -0.0234% | 4,456 |
| Credit loss provision to net charge-offs | -2,388.5593% | 3,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6079% | 4,974 |
| Assets per employee ($millions) | 11.9025% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 1,276 |
| Loan loss allowance to noncurrent loans | 724.1550% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 3,699 |
| Noncurrent loans to loans | 0.2066% | 3,644 |
| Net loans and leases to total assets | 78.6690% | 759 |
| Net loans and leases to deposits | 97.3081% | 706 |
| Net loans and leases to core deposits | 118.8071% | 458 |
| Total domestic deposits to total assets | 80.8453% | 3,643 |
| Equity capital to assets | 10.5497% | 2,708 |
| Core capital (leverage) ratio | 11.4126% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1887% | 1,732 |
| Memoranda: | ||
| Average total assets | $2,403,505,000 | 395 |
| Average earning assets | $2,295,619,333 | 376 |
| Average equity | $273,141,000 | 391 |
| Average total loans | $2,019,545,333 | 344 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7099% | 242 |
| Cost of funding earning assets | 1.0732% | 1,127 |
| Net interest margin | 4.6367% | 387 |
| Noninterest income to average assets | 0.3791% | 3,236 |
| Noninterest expense to average assets | 1.9546% | 4,480 |
| Loan and lease loss provision to assets | 0.2148% | 1,429 |
| Net operating income to assets | 1.8710% | 355 |
| Return on assets (ROA) | 1.8738% | 392 |
| Pretax return on assets | 2.6322% | 137 |
| Return on Equity (ROE) | 15.8136% | 448 |
| Retained earnings to average equity (ytd only) | 15.8136% | 155 |
| Net charge-offs to loans | -0.0444% | 4,593 |
| Credit loss provision to net charge-offs | -559.4470% | 3,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7369% | 4,971 |
| Assets per employee ($millions) | 9.8984% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 1,743 |
| Loan loss allowance to noncurrent loans | 669.9323% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.1808% | 3,767 |
| Noncurrent loans to loans | 0.2071% | 3,737 |
| Net loans and leases to total assets | 86.0751% | 139 |
| Net loans and leases to deposits | 106.3384% | 282 |
| Net loans and leases to core deposits | 129.4152% | 278 |
| Total domestic deposits to total assets | 80.9445% | 3,676 |
| Equity capital to assets | 11.9618% | 2,098 |
| Core capital (leverage) ratio | 12.7152% | 1,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5432% | 2,061 |
| Memoranda: | ||
| Average total assets | $2,260,273,500 | 407 |
| Average earning assets | $2,154,218,500 | 390 |
| Average equity | $267,820,000 | 394 |
| Average total loans | $1,955,163,000 | 343 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7186% | 381 |
| Cost of funding earning assets | 1.2845% | 799 |
| Net interest margin | 4.4341% | 833 |
| Noninterest income to average assets | 0.3142% | 3,813 |
| Noninterest expense to average assets | 1.9654% | 4,588 |
| Loan and lease loss provision to assets | 0.2518% | 719 |
| Net operating income to assets | 1.6899% | 674 |
| Return on assets (ROA) | 1.6913% | 718 |
| Pretax return on assets | 2.3222% | 295 |
| Return on Equity (ROE) | 15.1518% | 661 |
| Retained earnings to average equity (ytd only) | 15.1518% | 89 |
| Net charge-offs to loans | 0.1778% | 1,134 |
| Credit loss provision to net charge-offs | 161.3158% | 1,598 |
| Earnings coverage of net charge-offs (x) | 16.4784% | 2,168 |
| Efficiency ratio | 43.3141% | 5,002 |
| Assets per employee ($millions) | 9.8415% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3719% | 1,619 |
| Loan loss allowance to noncurrent loans | 604.7663% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1944% | 3,684 |
| Noncurrent loans to loans | 0.2268% | 3,635 |
| Net loans and leases to total assets | 84.5219% | 275 |
| Net loans and leases to deposits | 98.7357% | 699 |
| Net loans and leases to core deposits | 119.9026% | 482 |
| Total domestic deposits to total assets | 85.6042% | 2,234 |
| Equity capital to assets | 11.7335% | 2,329 |
| Core capital (leverage) ratio | 12.2598% | 1,621 |
| Tier 1 risk-based capital ratio | 13.2488% | 3,649 |
| Total risk-based capital ratio | 14.4997% | 3,541 |
| Memoranda: | ||
| Average total assets | $2,190,963,800 | 395 |
| Average earning assets | $2,086,883,400 | 377 |
| Average equity | $244,564,400 | 398 |
| Average total loans | $1,923,856,400 | 334 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 403 |
| Cost of funding earning assets | 1.2990% | 787 |
| Net interest margin | 4.4218% | 902 |
| Noninterest income to average assets | 0.3133% | 3,872 |
| Noninterest expense to average assets | 1.9256% | 4,674 |
| Loan and lease loss provision to assets | 0.2241% | 767 |
| Net operating income to assets | 1.7225% | 712 |
| Return on assets (ROA) | 1.7246% | 746 |
| Pretax return on assets | 2.3771% | 322 |
| Return on Equity (ROE) | 15.6550% | 661 |
| Retained earnings to average equity (ytd only) | 15.6550% | 119 |
| Net charge-offs to loans | 0.1758% | 961 |
| Credit loss provision to net charge-offs | 144.2913% | 1,686 |
| Earnings coverage of net charge-offs (x) | 16.7295% | 2,128 |
| Efficiency ratio | 42.5615% | 5,061 |
| Assets per employee ($millions) | 9.8550% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 1,878 |
| Loan loss allowance to noncurrent loans | 228.3496% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.5245% | 2,431 |
| Noncurrent loans to loans | 0.5789% | 2,555 |
| Net loans and leases to total assets | 87.8858% | 98 |
| Net loans and leases to deposits | 105.0779% | 357 |
| Net loans and leases to core deposits | 123.8156% | 413 |
| Total domestic deposits to total assets | 83.6387% | 2,955 |
| Equity capital to assets | 11.8820% | 2,345 |
| Core capital (leverage) ratio | 11.9444% | 1,889 |
| Tier 1 risk-based capital ratio | 12.8575% | 3,927 |
| Total risk-based capital ratio | 14.1078% | 3,823 |
| Memoranda: | ||
| Average total assets | $2,180,198,500 | 396 |
| Average earning assets | $2,076,243,750 | 378 |
| Average equity | $240,173,000 | 408 |
| Average total loans | $1,926,194,000 | 337 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7346% | 371 |
| Cost of funding earning assets | 1.2505% | 862 |
| Net interest margin | 4.4841% | 799 |
| Noninterest income to average assets | 0.3338% | 3,703 |
| Noninterest expense to average assets | 1.9455% | 4,689 |
| Loan and lease loss provision to assets | 0.3342% | 390 |
| Net operating income to assets | 1.6766% | 758 |
| Return on assets (ROA) | 1.6791% | 788 |
| Pretax return on assets | 2.3289% | 334 |
| Return on Equity (ROE) | 15.6443% | 653 |
| Retained earnings to average equity (ytd only) | 15.6443% | 146 |
| Net charge-offs to loans | 0.2275% | 741 |
| Credit loss provision to net charge-offs | 166.7122% | 1,381 |
| Earnings coverage of net charge-offs (x) | 13.2682% | 2,111 |
| Efficiency ratio | 42.2435% | 5,110 |
| Assets per employee ($millions) | 10.2894% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 1,866 |
| Loan loss allowance to noncurrent loans | 230.3586% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 2,448 |
| Noncurrent loans to loans | 0.5804% | 2,519 |
| Net loans and leases to total assets | 87.9512% | 117 |
| Net loans and leases to deposits | 103.4535% | 449 |
| Net loans and leases to core deposits | 129.8402% | 330 |
| Total domestic deposits to total assets | 85.0152% | 2,468 |
| Equity capital to assets | 11.4085% | 2,694 |
| Core capital (leverage) ratio | 11.5228% | 2,144 |
| Tier 1 risk-based capital ratio | 12.3748% | 4,200 |
| Total risk-based capital ratio | 13.6256% | 4,074 |
| Memoranda: | ||
| Average total assets | $2,190,804,670 | 395 |
| Average earning assets | $2,087,015,000 | 381 |
| Average equity | $235,140,670 | 411 |
| Average total loans | $1,930,454,330 | 338 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3731% | 667 |
| Cost of funding earning assets | 1.1801% | 952 |
| Net interest margin | 4.1930% | 1,317 |
| Noninterest income to average assets | 0.3325% | 3,638 |
| Noninterest expense to average assets | 2.0015% | 4,638 |
| Loan and lease loss provision to assets | 0.5480% | 191 |
| Net operating income to assets | 1.2882% | 1,744 |
| Return on assets (ROA) | 1.2907% | 1,770 |
| Pretax return on assets | 1.7824% | 1,012 |
| Return on Equity (ROE) | 12.4047% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.4047% | 549 |
| Net charge-offs to loans | 0.4320% | 352 |
| Credit loss provision to net charge-offs | 144.7897% | 1,269 |
| Earnings coverage of net charge-offs (x) | 6.1491% | 2,213 |
| Efficiency ratio | 46.2365% | 5,019 |
| Assets per employee ($millions) | 11.1311% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,180 |
| Loan loss allowance to noncurrent loans | 161.1710% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 2,012 |
| Noncurrent loans to loans | 0.7944% | 2,049 |
| Net loans and leases to total assets | 85.6618% | 215 |
| Net loans and leases to deposits | 103.5612% | 417 |
| Net loans and leases to core deposits | 134.6444% | 249 |
| Total domestic deposits to total assets | 82.7161% | 3,494 |
| Equity capital to assets | 10.3461% | 3,478 |
| Core capital (leverage) ratio | 11.2116% | 2,377 |
| Tier 1 risk-based capital ratio | 11.4171% | 4,777 |
| Total risk-based capital ratio | 12.6613% | 4,689 |
| Memoranda: | ||
| Average total assets | $2,210,959,500 | 392 |
| Average earning assets | $2,107,225,500 | 374 |
| Average equity | $230,041,500 | 419 |
| Average total loans | $1,937,172,500 | 341 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3501% | 537 |
| Cost of funding earning assets | 1.0597% | 580 |
| Net interest margin | 4.2904% | 1,182 |
| Noninterest income to average assets | 0.2451% | 4,453 |
| Noninterest expense to average assets | 1.9198% | 4,869 |
| Loan and lease loss provision to assets | 0.3943% | 352 |
| Net operating income to assets | 1.4746% | 1,189 |
| Return on assets (ROA) | 1.4732% | 1,186 |
| Pretax return on assets | 2.0157% | 543 |
| Return on Equity (ROE) | 14.6222% | 916 |
| Retained earnings to average equity (ytd only) | 10.3930% | 550 |
| Net charge-offs to loans | 0.3912% | 481 |
| Credit loss provision to net charge-offs | 113.9105% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.9672% | 3,029 |
| Efficiency ratio | 44.3226% | 5,170 |
| Assets per employee ($millions) | 10.8115% | 278 |
| Cash dividends to net income (ytd only)* | 28.9231% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2629% | 2,235 |
| Loan loss allowance to noncurrent loans | 58.2520% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.9465% | 501 |
| Noncurrent loans to loans | 2.1680% | 597 |
| Net loans and leases to total assets | 87.3812% | 142 |
| Net loans and leases to deposits | 105.4232% | 394 |
| Net loans and leases to core deposits | 134.7900% | 252 |
| Total domestic deposits to total assets | 82.8861% | 3,367 |
| Equity capital to assets | 10.4658% | 3,227 |
| Core capital (leverage) ratio | 10.8777% | 2,649 |
| Tier 1 risk-based capital ratio | 11.1463% | 4,894 |
| Total risk-based capital ratio | 12.3352% | 4,826 |
| Memoranda: | ||
| Average total assets | $2,112,142,400 | 402 |
| Average earning assets | $2,011,669,000 | 386 |
| Average equity | $212,807,000 | 432 |
| Average total loans | $1,868,915,600 | 344 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2688% | 549 |
| Cost of funding earning assets | 1.0218% | 545 |
| Net interest margin | 4.2470% | 1,243 |
| Noninterest income to average assets | 0.2510% | 4,473 |
| Noninterest expense to average assets | 1.8436% | 4,988 |
| Loan and lease loss provision to assets | 0.5175% | 212 |
| Net operating income to assets | 1.4186% | 1,424 |
| Return on assets (ROA) | 1.4164% | 1,431 |
| Pretax return on assets | 1.9306% | 765 |
| Return on Equity (ROE) | 14.1999% | 1,064 |
| Retained earnings to average equity (ytd only) | 8.4703% | 1,436 |
| Net charge-offs to loans | 0.5255% | 287 |
| Credit loss provision to net charge-offs | 111.3084% | 2,096 |
| Earnings coverage of net charge-offs (x) | 5.2712% | 2,969 |
| Efficiency ratio | 42.9290% | 5,252 |
| Assets per employee ($millions) | 10.6589% | 272 |
| Cash dividends to net income (ytd only)* | 40.3497% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2706% | 2,253 |
| Loan loss allowance to noncurrent loans | 106.4601% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 1,340 |
| Noncurrent loans to loans | 1.1935% | 1,417 |
| Net loans and leases to total assets | 86.9633% | 192 |
| Net loans and leases to deposits | 100.0462% | 780 |
| Net loans and leases to core deposits | 127.5694% | 379 |
| Total domestic deposits to total assets | 86.9232% | 1,765 |
| Equity capital to assets | 10.0587% | 3,579 |
| Core capital (leverage) ratio | 10.3706% | 3,212 |
| Tier 1 risk-based capital ratio | 10.8975% | 5,082 |
| Total risk-based capital ratio | 12.0843% | 5,016 |
| Memoranda: | ||
| Average total assets | $2,099,600,750 | 404 |
| Average earning assets | $1,999,023,000 | 388 |
| Average equity | $209,433,250 | 434 |
| Average total loans | $1,857,740,000 | 347 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1854% | 564 |
| Cost of funding earning assets | 0.9468% | 592 |
| Net interest margin | 4.2386% | 1,195 |
| Noninterest income to average assets | 0.2411% | 4,569 |
| Noninterest expense to average assets | 1.8285% | 5,065 |
| Loan and lease loss provision to assets | 0.5314% | 210 |
| Net operating income to assets | 1.4078% | 1,409 |
| Return on assets (ROA) | 1.4052% | 1,424 |
| Pretax return on assets | 1.9129% | 747 |
| Return on Equity (ROE) | 14.1285% | 1,045 |
| Retained earnings to average equity (ytd only) | 8.3429% | 1,473 |
| Net charge-offs to loans | -0.0043% | 4,068 |
| Credit loss provision to net charge-offs | -13,852.5000% | 4,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7620% | 5,318 |
| Assets per employee ($millions) | 11.1429% | 232 |
| Cash dividends to net income (ytd only)* | 40.9500% | 2,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5333% | 1,291 |
| Loan loss allowance to noncurrent loans | 106.0811% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 1.3147% | 1,075 |
| Noncurrent loans to loans | 1.4454% | 1,169 |
| Net loans and leases to total assets | 87.6123% | 159 |
| Net loans and leases to deposits | 103.4525% | 554 |
| Net loans and leases to core deposits | 138.6061% | 209 |
| Total domestic deposits to total assets | 84.6885% | 2,799 |
| Equity capital to assets | 10.0151% | 3,605 |
| Core capital (leverage) ratio | 10.6589% | 2,856 |
| Tier 1 risk-based capital ratio | 10.7200% | 5,184 |
| Total risk-based capital ratio | 11.9723% | 5,079 |
| Memoranda: | ||
| Average total assets | $2,085,323,330 | 406 |
| Average earning assets | $1,985,109,000 | 389 |
| Average equity | $207,411,000 | 437 |
| Average total loans | $1,847,950,330 | 345 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2360% | 461 |
| Cost of funding earning assets | 0.9024% | 586 |
| Net interest margin | 4.3337% | 896 |
| Noninterest income to average assets | 0.2300% | 4,628 |
| Noninterest expense to average assets | 1.8115% | 5,142 |
| Loan and lease loss provision to assets | 0.0627% | 2,523 |
| Net operating income to assets | 1.8261% | 535 |
| Return on assets (ROA) | 1.8225% | 542 |
| Pretax return on assets | 2.4775% | 225 |
| Return on Equity (ROE) | 18.3879% | 371 |
| Retained earnings to average equity (ytd only) | 12.5529% | 591 |
| Net charge-offs to loans | -0.0007% | 3,745 |
| Credit loss provision to net charge-offs | -10,833.3333% | 4,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5833% | 5,414 |
| Assets per employee ($millions) | 11.6930% | 204 |
| Cash dividends to net income (ytd only)* | 31.7326% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,349 |
| Loan loss allowance to noncurrent loans | 96.1977% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 1,266 |
| Noncurrent loans to loans | 1.3285% | 1,345 |
| Net loans and leases to total assets | 87.1340% | 186 |
| Net loans and leases to deposits | 107.5335% | 325 |
| Net loans and leases to core deposits | 158.2908% | 93 |
| Total domestic deposits to total assets | 81.0296% | 4,193 |
| Equity capital to assets | 10.0312% | 3,561 |
| Core capital (leverage) ratio | 10.7265% | 2,709 |
| Tier 1 risk-based capital ratio | 10.8366% | 5,228 |
| Total risk-based capital ratio | 12.0386% | 5,145 |
| Memoranda: | ||
| Average total assets | $2,074,979,000 | 412 |
| Average earning assets | $1,975,689,000 | 398 |
| Average equity | $205,657,000 | 444 |
| Average total loans | $1,834,997,000 | 349 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 503 |
| Cost of funding earning assets | 0.7931% | 645 |
| Net interest margin | 4.3332% | 902 |
| Noninterest income to average assets | 0.2656% | 4,540 |
| Noninterest expense to average assets | 1.7772% | 5,259 |
| Loan and lease loss provision to assets | 0.1622% | 1,380 |
| Net operating income to assets | 1.2659% | 1,310 |
| Return on assets (ROA) | 1.2623% | 1,343 |
| Pretax return on assets | 2.4447% | 198 |
| Return on Equity (ROE) | 12.6403% | 1,043 |
| Retained earnings to average equity (ytd only) | 12.6403% | 150 |
| Net charge-offs to loans | 0.0597% | 2,612 |
| Credit loss provision to net charge-offs | 307.6923% | 920 |
| Earnings coverage of net charge-offs (x) | 49.5503% | 1,091 |
| Efficiency ratio | 40.4861% | 5,521 |
| Assets per employee ($millions) | 11.8206% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2630% | 2,410 |
| Loan loss allowance to noncurrent loans | 91.8031% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.2482% | 1,167 |
| Noncurrent loans to loans | 1.3758% | 1,257 |
| Net loans and leases to total assets | 87.4889% | 162 |
| Net loans and leases to deposits | 108.2304% | 318 |
| Net loans and leases to core deposits | 162.2716% | 83 |
| Total domestic deposits to total assets | 80.8358% | 4,158 |
| Equity capital to assets | 9.7906% | 3,930 |
| Core capital (leverage) ratio | 10.3465% | 3,019 |
| Tier 1 risk-based capital ratio | 10.5377% | 5,359 |
| Total risk-based capital ratio | 11.7263% | 5,287 |
| Memoranda: | ||
| Average total assets | $1,923,244,600 | 424 |
| Average earning assets | $1,830,438,800 | 407 |
| Average equity | $192,068,400 | 453 |
| Average total loans | $1,698,376,600 | 350 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 585 |
| Cost of funding earning assets | 0.7619% | 715 |
| Net interest margin | 4.2602% | 1,025 |
| Noninterest income to average assets | 0.2752% | 4,539 |
| Noninterest expense to average assets | 1.7150% | 5,351 |
| Loan and lease loss provision to assets | 0.2132% | 886 |
| Net operating income to assets | 1.4621% | 972 |
| Return on assets (ROA) | 1.4621% | 987 |
| Pretax return on assets | 2.4013% | 253 |
| Return on Equity (ROE) | 14.5622% | 725 |
| Retained earnings to average equity (ytd only) | 14.5622% | 134 |
| Net charge-offs to loans | 0.0955% | 1,834 |
| Credit loss provision to net charge-offs | 252.8919% | 1,121 |
| Earnings coverage of net charge-offs (x) | 31.0150% | 1,525 |
| Efficiency ratio | 39.6119% | 5,588 |
| Assets per employee ($millions) | 12.1344% | 174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,605 |
| Loan loss allowance to noncurrent loans | 92.8197% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 1.2235% | 1,338 |
| Noncurrent loans to loans | 1.3539% | 1,392 |
| Net loans and leases to total assets | 87.1015% | 196 |
| Net loans and leases to deposits | 107.4873% | 358 |
| Net loans and leases to core deposits | 169.6795% | 68 |
| Total domestic deposits to total assets | 81.0343% | 4,039 |
| Equity capital to assets | 9.7034% | 4,240 |
| Core capital (leverage) ratio | 10.5155% | 2,972 |
| Tier 1 risk-based capital ratio | 10.3967% | 5,486 |
| Total risk-based capital ratio | 11.5815% | 5,443 |
| Memoranda: | ||
| Average total assets | $1,886,905,500 | 433 |
| Average earning assets | $1,795,746,000 | 417 |
| Average equity | $189,453,250 | 458 |
| Average total loans | $1,664,734,000 | 360 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9797% | 577 |
| Cost of funding earning assets | 0.7343% | 744 |
| Net interest margin | 4.2454% | 983 |
| Noninterest income to average assets | 0.2860% | 4,509 |
| Noninterest expense to average assets | 1.7685% | 5,345 |
| Loan and lease loss provision to assets | 0.2219% | 793 |
| Net operating income to assets | 1.4367% | 986 |
| Return on assets (ROA) | 1.4367% | 1,016 |
| Pretax return on assets | 2.3368% | 276 |
| Return on Equity (ROE) | 14.1305% | 793 |
| Retained earnings to average equity (ytd only) | 14.1305% | 175 |
| Net charge-offs to loans | 0.1094% | 1,540 |
| Credit loss provision to net charge-offs | 229.9320% | 1,140 |
| Earnings coverage of net charge-offs (x) | 26.5181% | 1,570 |
| Efficiency ratio | 40.8697% | 5,603 |
| Assets per employee ($millions) | 11.1723% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 2,436 |
| Loan loss allowance to noncurrent loans | 88.9628% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.3141% | 1,251 |
| Noncurrent loans to loans | 1.4555% | 1,299 |
| Net loans and leases to total assets | 87.0145% | 205 |
| Net loans and leases to deposits | 108.4588% | 305 |
| Net loans and leases to core deposits | 169.4840% | 70 |
| Total domestic deposits to total assets | 80.2282% | 4,359 |
| Equity capital to assets | 9.9067% | 4,025 |
| Core capital (leverage) ratio | 10.6196% | 2,787 |
| Tier 1 risk-based capital ratio | 10.4365% | 5,488 |
| Total risk-based capital ratio | 11.6397% | 5,436 |
| Memoranda: | ||
| Average total assets | $1,828,257,000 | 444 |
| Average earning assets | $1,740,266,330 | 427 |
| Average equity | $185,882,000 | 463 |
| Average total loans | $1,613,097,670 | 374 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9274% | 592 |
| Cost of funding earning assets | 0.6947% | 861 |
| Net interest margin | 4.2327% | 926 |
| Noninterest income to average assets | 0.2727% | 4,595 |
| Noninterest expense to average assets | 1.8315% | 5,332 |
| Loan and lease loss provision to assets | 0.0962% | 1,944 |
| Net operating income to assets | 1.4288% | 941 |
| Return on assets (ROA) | 1.4288% | 966 |
| Pretax return on assets | 2.3755% | 266 |
| Return on Equity (ROE) | 13.8585% | 832 |
| Retained earnings to average equity (ytd only) | 13.8585% | 306 |
| Net charge-offs to loans | 0.0212% | 2,353 |
| Credit loss provision to net charge-offs | 513.2530% | 553 |
| Earnings coverage of net charge-offs (x) | 131.8072% | 416 |
| Efficiency ratio | 42.5601% | 5,638 |
| Assets per employee ($millions) | 10.8044% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,460 |
| Loan loss allowance to noncurrent loans | 113.1288% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 1.0559% | 1,708 |
| Noncurrent loans to loans | 1.1630% | 1,746 |
| Net loans and leases to total assets | 86.8257% | 168 |
| Net loans and leases to deposits | 107.3282% | 275 |
| Net loans and leases to core deposits | 168.0457% | 65 |
| Total domestic deposits to total assets | 80.8974% | 4,436 |
| Equity capital to assets | 10.0528% | 3,693 |
| Core capital (leverage) ratio | 10.9192% | 2,454 |
| Tier 1 risk-based capital ratio | 10.6226% | 5,496 |
| Total risk-based capital ratio | 11.8470% | 5,419 |
| Memoranda: | ||
| Average total assets | $1,770,391,500 | 458 |
| Average earning assets | $1,685,842,000 | 446 |
| Average equity | $182,530,000 | 468 |
| Average total loans | $1,562,775,500 | 382 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 493 |
| Cost of funding earning assets | 0.6592% | 1,010 |
| Net interest margin | 4.4444% | 701 |
| Noninterest income to average assets | 0.3168% | 4,466 |
| Noninterest expense to average assets | 1.9430% | 5,300 |
| Loan and lease loss provision to assets | 0.2855% | 681 |
| Net operating income to assets | 1.4107% | 995 |
| Return on assets (ROA) | 1.4107% | 1,012 |
| Pretax return on assets | 2.3049% | 272 |
| Return on Equity (ROE) | 13.7651% | 816 |
| Retained earnings to average equity (ytd only) | 13.7651% | 139 |
| Net charge-offs to loans | 0.0163% | 3,751 |
| Credit loss provision to net charge-offs | 1,997.7376% | 224 |
| Earnings coverage of net charge-offs (x) | 181.2760% | 363 |
| Efficiency ratio | 42.8608% | 5,728 |
| Assets per employee ($millions) | 9.3035% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 2,064 |
| Loan loss allowance to noncurrent loans | 890.5628% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 4,751 |
| Noncurrent loans to loans | 0.1575% | 4,610 |
| Net loans and leases to total assets | 87.3460% | 157 |
| Net loans and leases to deposits | 110.2798% | 220 |
| Net loans and leases to core deposits | 165.4539% | 70 |
| Total domestic deposits to total assets | 79.2040% | 4,748 |
| Equity capital to assets | 10.5910% | 3,053 |
| Core capital (leverage) ratio | 11.1444% | 2,212 |
| Tier 1 risk-based capital ratio | 11.0911% | 5,291 |
| Total risk-based capital ratio | 12.3417% | 5,185 |
| Memoranda: | ||
| Average total assets | $1,546,613,800 | 496 |
| Average earning assets | $1,467,342,200 | 474 |
| Average equity | $158,501,800 | 504 |
| Average total loans | $1,352,040,200 | 404 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 568 |
| Cost of funding earning assets | 0.6547% | 1,038 |
| Net interest margin | 4.3745% | 812 |
| Noninterest income to average assets | 0.3098% | 4,556 |
| Noninterest expense to average assets | 1.9637% | 5,276 |
| Loan and lease loss provision to assets | 0.3008% | 561 |
| Net operating income to assets | 1.3266% | 1,221 |
| Return on assets (ROA) | 1.3266% | 1,303 |
| Pretax return on assets | 2.1936% | 390 |
| Return on Equity (ROE) | 13.0673% | 1,034 |
| Retained earnings to average equity (ytd only) | 13.0673% | 217 |
| Net charge-offs to loans | -0.1073% | 5,597 |
| Credit loss provision to net charge-offs | -321.9282% | 4,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0498% | 5,747 |
| Assets per employee ($millions) | 9.2939% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4718% | 1,877 |
| Loan loss allowance to noncurrent loans | 534.7215% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 4,477 |
| Noncurrent loans to loans | 0.2753% | 4,274 |
| Net loans and leases to total assets | 86.2471% | 240 |
| Net loans and leases to deposits | 108.4140% | 296 |
| Net loans and leases to core deposits | 162.3632% | 87 |
| Total domestic deposits to total assets | 79.5535% | 4,601 |
| Equity capital to assets | 10.4832% | 3,586 |
| Core capital (leverage) ratio | 11.3558% | 2,151 |
| Tier 1 risk-based capital ratio | 10.8817% | 5,438 |
| Total risk-based capital ratio | 12.1328% | 5,345 |
| Memoranda: | ||
| Average total assets | $1,509,958,250 | 507 |
| Average earning assets | $1,431,830,000 | 484 |
| Average equity | $153,294,750 | 521 |
| Average total loans | $1,315,045,750 | 412 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0366% | 549 |
| Cost of funding earning assets | 0.6637% | 973 |
| Net interest margin | 4.3730% | 810 |
| Noninterest income to average assets | 0.3040% | 4,617 |
| Noninterest expense to average assets | 1.9964% | 5,273 |
| Loan and lease loss provision to assets | 0.2424% | 813 |
| Net operating income to assets | 1.3416% | 1,187 |
| Return on assets (ROA) | 1.3417% | 1,256 |
| Pretax return on assets | 2.2086% | 375 |
| Return on Equity (ROE) | 13.3806% | 949 |
| Retained earnings to average equity (ytd only) | 13.3806% | 219 |
| Net charge-offs to loans | -0.2424% | 5,842 |
| Credit loss provision to net charge-offs | -115.0649% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8902% | 5,796 |
| Assets per employee ($millions) | 8.8181% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,839 |
| Loan loss allowance to noncurrent loans | 575.7282% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 4,566 |
| Noncurrent loans to loans | 0.2613% | 4,423 |
| Net loans and leases to total assets | 87.0211% | 192 |
| Net loans and leases to deposits | 105.4734% | 387 |
| Net loans and leases to core deposits | 149.7781% | 125 |
| Total domestic deposits to total assets | 82.5052% | 3,839 |
| Equity capital to assets | 10.4957% | 3,634 |
| Core capital (leverage) ratio | 11.1471% | 2,284 |
| Tier 1 risk-based capital ratio | 10.9167% | 5,466 |
| Total risk-based capital ratio | 12.1683% | 5,388 |
| Memoranda: | ||
| Average total assets | $1,461,840,670 | 520 |
| Average earning assets | $1,385,059,330 | 504 |
| Average equity | $146,585,000 | 541 |
| Average total loans | $1,270,691,000 | 423 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 774 |
| Cost of funding earning assets | 0.6744% | 920 |
| Net interest margin | 4.1693% | 1,175 |
| Noninterest income to average assets | 0.2989% | 4,590 |
| Noninterest expense to average assets | 2.0170% | 5,294 |
| Loan and lease loss provision to assets | 0.3932% | 356 |
| Net operating income to assets | 1.1249% | 1,814 |
| Return on assets (ROA) | 1.1249% | 1,917 |
| Pretax return on assets | 1.8385% | 786 |
| Return on Equity (ROE) | 11.5025% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.5025% | 579 |
| Net charge-offs to loans | -0.0074% | 4,412 |
| Credit loss provision to net charge-offs | -6,130.4348% | 5,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4731% | 5,748 |
| Assets per employee ($millions) | 8.3984% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,292 |
| Loan loss allowance to noncurrent loans | 465.4532% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 4,480 |
| Noncurrent loans to loans | 0.3072% | 4,326 |
| Net loans and leases to total assets | 86.2604% | 205 |
| Net loans and leases to deposits | 101.6446% | 523 |
| Net loans and leases to core deposits | 147.5797% | 116 |
| Total domestic deposits to total assets | 84.8647% | 3,180 |
| Equity capital to assets | 10.2907% | 3,756 |
| Core capital (leverage) ratio | 10.6141% | 2,833 |
| Tier 1 risk-based capital ratio | 10.7461% | 5,645 |
| Total risk-based capital ratio | 11.9967% | 5,543 |
| Memoranda: | ||
| Average total assets | $1,434,403,000 | 527 |
| Average earning assets | $1,358,878,000 | 507 |
| Average equity | $140,282,500 | 564 |
| Average total loans | $1,236,024,000 | 432 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 536 |
| Cost of funding earning assets | 0.6978% | 830 |
| Net interest margin | 4.3809% | 826 |
| Noninterest income to average assets | 0.2742% | 4,925 |
| Noninterest expense to average assets | 1.9613% | 5,525 |
| Loan and lease loss provision to assets | 0.0031% | 4,326 |
| Net operating income to assets | 1.4669% | 923 |
| Return on assets (ROA) | 1.4669% | 952 |
| Pretax return on assets | 2.4473% | 225 |
| Return on Equity (ROE) | 16.2482% | 531 |
| Retained earnings to average equity (ytd only) | 13.8773% | 166 |
| Net charge-offs to loans | -0.1321% | 5,852 |
| Credit loss provision to net charge-offs | -2.7379% | 4,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4568% | 5,968 |
| Assets per employee ($millions) | 8.1357% | 527 |
| Cash dividends to net income (ytd only)* | 14.5915% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 2,366 |
| Loan loss allowance to noncurrent loans | 815.9806% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 5,004 |
| Noncurrent loans to loans | 0.1731% | 4,793 |
| Net loans and leases to total assets | 83.5799% | 427 |
| Net loans and leases to deposits | 97.3120% | 881 |
| Net loans and leases to core deposits | 142.2775% | 145 |
| Total domestic deposits to total assets | 85.8885% | 2,687 |
| Equity capital to assets | 9.2494% | 4,850 |
| Core capital (leverage) ratio | 9.3538% | 4,393 |
| Tier 1 risk-based capital ratio | 10.0832% | 5,934 |
| Total risk-based capital ratio | 11.3335% | 5,863 |
| Memoranda: | ||
| Average total assets | $1,340,831,200 | 534 |
| Average earning assets | $1,266,323,600 | 520 |
| Average equity | $121,053,600 | 633 |
| Average total loans | $1,161,410,800 | 426 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0563% | 558 |
| Cost of funding earning assets | 0.6935% | 865 |
| Net interest margin | 4.3628% | 853 |
| Noninterest income to average assets | 0.2660% | 5,030 |
| Noninterest expense to average assets | 1.9840% | 5,510 |
| Loan and lease loss provision to assets | -0.0169% | 5,837 |
| Net operating income to assets | 1.4728% | 961 |
| Return on assets (ROA) | 1.4728% | 999 |
| Pretax return on assets | 2.4168% | 274 |
| Return on Equity (ROE) | 16.4200% | 541 |
| Retained earnings to average equity (ytd only) | 13.1982% | 266 |
| Net charge-offs to loans | -0.1749% | 5,961 |
| Credit loss provision to net charge-offs | 11.1038% | 3,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2570% | 5,989 |
| Assets per employee ($millions) | 8.3812% | 461 |
| Cash dividends to net income (ytd only)* | 19.6212% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4083% | 2,553 |
| Loan loss allowance to noncurrent loans | 741.5886% | 734 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 5,113 |
| Noncurrent loans to loans | 0.1899% | 4,888 |
| Net loans and leases to total assets | 84.1291% | 377 |
| Net loans and leases to deposits | 98.9657% | 731 |
| Net loans and leases to core deposits | 144.9712% | 137 |
| Total domestic deposits to total assets | 85.0083% | 3,000 |
| Equity capital to assets | 9.0691% | 5,241 |
| Core capital (leverage) ratio | 9.4107% | 4,419 |
| Tier 1 risk-based capital ratio | 9.8910% | 6,071 |
| Total risk-based capital ratio | 11.1419% | 6,033 |
| Memoranda: | ||
| Average total assets | $1,324,169,250 | 543 |
| Average earning assets | $1,249,803,500 | 526 |
| Average equity | $118,771,000 | 648 |
| Average total loans | $1,153,458,750 | 434 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 635 |
| Cost of funding earning assets | 0.6889% | 890 |
| Net interest margin | 4.2726% | 975 |
| Noninterest income to average assets | 0.2629% | 5,070 |
| Noninterest expense to average assets | 1.9982% | 5,537 |
| Loan and lease loss provision to assets | -0.0747% | 6,060 |
| Net operating income to assets | 1.4466% | 998 |
| Return on assets (ROA) | 1.4466% | 1,037 |
| Pretax return on assets | 2.3715% | 300 |
| Return on Equity (ROE) | 16.1914% | 593 |
| Retained earnings to average equity (ytd only) | 11.2667% | 472 |
| Net charge-offs to loans | -0.2611% | 6,090 |
| Credit loss provision to net charge-offs | 32.5971% | 2,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5234% | 6,019 |
| Assets per employee ($millions) | 8.3200% | 464 |
| Cash dividends to net income (ytd only)* | 30.4154% | 2,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3858% | 2,827 |
| Loan loss allowance to noncurrent loans | 852.8549% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 5,289 |
| Noncurrent loans to loans | 0.1625% | 5,112 |
| Net loans and leases to total assets | 86.4909% | 210 |
| Net loans and leases to deposits | 108.6616% | 292 |
| Net loans and leases to core deposits | 148.3368% | 117 |
| Total domestic deposits to total assets | 79.5966% | 4,956 |
| Equity capital to assets | 8.9758% | 5,254 |
| Core capital (leverage) ratio | 9.3571% | 4,478 |
| Tier 1 risk-based capital ratio | 9.5589% | 6,192 |
| Total risk-based capital ratio | 10.8095% | 6,169 |
| Memoranda: | ||
| Average total assets | $1,304,591,330 | 545 |
| Average earning assets | $1,231,149,670 | 533 |
| Average equity | $116,555,670 | 664 |
| Average total loans | $1,144,597,330 | 435 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9865% | 583 |
| Cost of funding earning assets | 0.6969% | 866 |
| Net interest margin | 4.2896% | 895 |
| Noninterest income to average assets | 0.2402% | 5,254 |
| Noninterest expense to average assets | 2.0051% | 5,570 |
| Loan and lease loss provision to assets | -0.1520% | 6,237 |
| Net operating income to assets | 1.4818% | 875 |
| Return on assets (ROA) | 1.4818% | 935 |
| Pretax return on assets | 2.4367% | 267 |
| Return on Equity (ROE) | 16.6253% | 503 |
| Retained earnings to average equity (ytd only) | 6.6180% | 2,181 |
| Net charge-offs to loans | -0.5188% | 6,246 |
| Credit loss provision to net charge-offs | 33.3788% | 2,245 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7401% | 6,077 |
| Assets per employee ($millions) | 8.3998% | 461 |
| Cash dividends to net income (ytd only)* | 60.1930% | 1,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 2,796 |
| Loan loss allowance to noncurrent loans | 543.1150% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.2313% | 5,007 |
| Noncurrent loans to loans | 0.2630% | 4,842 |
| Net loans and leases to total assets | 86.7024% | 155 |
| Net loans and leases to deposits | 105.5437% | 329 |
| Net loans and leases to core deposits | 144.2954% | 128 |
| Total domestic deposits to total assets | 82.1484% | 4,470 |
| Equity capital to assets | 8.9423% | 5,358 |
| Core capital (leverage) ratio | 9.2548% | 4,641 |
| Tier 1 risk-based capital ratio | 9.6704% | 6,239 |
| Total risk-based capital ratio | 10.9218% | 6,212 |
| Memoranda: | ||
| Average total assets | $1,287,124,500 | 549 |
| Average earning assets | $1,215,129,000 | 533 |
| Average equity | $114,717,000 | 668 |
| Average total loans | $1,129,472,000 | 438 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 871 |
| Cost of funding earning assets | 0.7076% | 1,062 |
| Net interest margin | 4.2257% | 1,229 |
| Noninterest income to average assets | 0.2937% | 5,019 |
| Noninterest expense to average assets | 1.8999% | 5,942 |
| Loan and lease loss provision to assets | 0.1790% | 1,436 |
| Net operating income to assets | 1.3330% | 1,222 |
| Return on assets (ROA) | 1.3330% | 1,274 |
| Pretax return on assets | 2.2060% | 312 |
| Return on Equity (ROE) | 15.3240% | 724 |
| Retained earnings to average equity (ytd only) | 14.3924% | 160 |
| Net charge-offs to loans | 0.2511% | 1,706 |
| Credit loss provision to net charge-offs | 84.6032% | 2,774 |
| Earnings coverage of net charge-offs (x) | 11.2698% | 2,513 |
| Efficiency ratio | 44.3388% | 6,311 |
| Assets per employee ($millions) | 8.5325% | 427 |
| Cash dividends to net income (ytd only)* | 6.0795% | 4,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3624% | 3,126 |
| Loan loss allowance to noncurrent loans | 825.6216% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 5,453 |
| Noncurrent loans to loans | 0.1650% | 5,237 |
| Net loans and leases to total assets | 86.4041% | 184 |
| Net loans and leases to deposits | 107.1895% | 316 |
| Net loans and leases to core deposits | 147.2314% | 119 |
| Total domestic deposits to total assets | 80.6087% | 4,856 |
| Equity capital to assets | 8.8883% | 5,388 |
| Core capital (leverage) ratio | 9.4566% | 4,298 |
| Tier 1 risk-based capital ratio | 10.0112% | 6,258 |
| Total risk-based capital ratio | 11.2624% | 6,203 |
| Memoranda: | ||
| Average total assets | $1,190,773,000 | 566 |
| Average earning assets | $1,124,695,400 | 550 |
| Average equity | $103,582,400 | 701 |
| Average total loans | $1,003,646,200 | 456 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 927 |
| Cost of funding earning assets | 0.7132% | 1,089 |
| Net interest margin | 4.1872% | 1,321 |
| Noninterest income to average assets | 0.2411% | 5,481 |
| Noninterest expense to average assets | 1.9749% | 5,806 |
| Loan and lease loss provision to assets | 0.2247% | 1,010 |
| Net operating income to assets | 1.2189% | 1,614 |
| Return on assets (ROA) | 1.2189% | 1,673 |
| Pretax return on assets | 1.9945% | 583 |
| Return on Equity (ROE) | 14.0960% | 965 |
| Retained earnings to average equity (ytd only) | 12.8225% | 342 |
| Net charge-offs to loans | 0.3510% | 1,148 |
| Credit loss provision to net charge-offs | 76.7641% | 2,658 |
| Earnings coverage of net charge-offs (x) | 7.5825% | 2,910 |
| Efficiency ratio | 47.0876% | 6,242 |
| Assets per employee ($millions) | 7.8519% | 554 |
| Cash dividends to net income (ytd only)* | 9.0339% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4516% | 2,939 |
| Loan loss allowance to noncurrent loans | 432.3099% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 5,144 |
| Noncurrent loans to loans | 0.3358% | 4,893 |
| Net loans and leases to total assets | 82.4455% | 468 |
| Net loans and leases to deposits | 95.3552% | 929 |
| Net loans and leases to core deposits | 131.4302% | 226 |
| Total domestic deposits to total assets | 86.4614% | 2,608 |
| Equity capital to assets | 8.7479% | 5,595 |
| Core capital (leverage) ratio | 9.1587% | 4,836 |
| Tier 1 risk-based capital ratio | 10.2527% | 6,285 |
| Total risk-based capital ratio | 11.5049% | 6,247 |
| Memoranda: | ||
| Average total assets | $1,168,498,500 | 578 |
| Average earning assets | $1,103,145,750 | 554 |
| Average equity | $101,038,250 | 724 |
| Average total loans | $974,274,000 | 462 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0213% | 725 |
| Cost of funding earning assets | 0.7097% | 1,141 |
| Net interest margin | 4.3115% | 1,001 |
| Noninterest income to average assets | 0.2275% | 5,581 |
| Noninterest expense to average assets | 2.0252% | 5,784 |
| Loan and lease loss provision to assets | 0.2805% | 724 |
| Net operating income to assets | 1.2193% | 1,537 |
| Return on assets (ROA) | 1.2193% | 1,591 |
| Pretax return on assets | 1.9920% | 565 |
| Return on Equity (ROE) | 14.1604% | 924 |
| Retained earnings to average equity (ytd only) | 12.2019% | 404 |
| Net charge-offs to loans | -0.0015% | 5,040 |
| Credit loss provision to net charge-offs | -22,928.5714% | 5,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1232% | 6,321 |
| Assets per employee ($millions) | 8.0430% | 485 |
| Cash dividends to net income (ytd only)* | 13.8312% | 3,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7694% | 1,923 |
| Loan loss allowance to noncurrent loans | 373.4112% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.3860% | 4,858 |
| Noncurrent loans to loans | 0.4739% | 4,578 |
| Net loans and leases to total assets | 80.0212% | 686 |
| Net loans and leases to deposits | 93.4325% | 1,012 |
| Net loans and leases to core deposits | 132.3906% | 206 |
| Total domestic deposits to total assets | 85.6460% | 3,218 |
| Equity capital to assets | 8.5037% | 5,798 |
| Core capital (leverage) ratio | 8.9146% | 5,143 |
| Tier 1 risk-based capital ratio | 10.2597% | 6,319 |
| Total risk-based capital ratio | 11.5158% | 6,275 |
| Memoranda: | ||
| Average total assets | $1,144,466,000 | 588 |
| Average earning assets | $1,080,402,330 | 562 |
| Average equity | $98,542,330 | 743 |
| Average total loans | $953,071,670 | 465 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9178% | 843 |
| Cost of funding earning assets | 0.7052% | 1,213 |
| Net interest margin | 4.2126% | 1,183 |
| Noninterest income to average assets | 0.2173% | 5,617 |
| Noninterest expense to average assets | 2.0693% | 5,743 |
| Loan and lease loss provision to assets | 0.3229% | 570 |
| Net operating income to assets | 1.1075% | 1,786 |
| Return on assets (ROA) | 1.1075% | 1,839 |
| Pretax return on assets | 1.8044% | 794 |
| Return on Equity (ROE) | 12.7773% | 1,216 |
| Retained earnings to average equity (ytd only) | 8.7922% | 1,315 |
| Net charge-offs to loans | -0.0025% | 4,726 |
| Credit loss provision to net charge-offs | -15,033.3333% | 5,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3091% | 6,298 |
| Assets per employee ($millions) | 8.0815% | 463 |
| Cash dividends to net income (ytd only)* | 31.1894% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 2,264 |
| Loan loss allowance to noncurrent loans | 328.2488% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 4,807 |
| Noncurrent loans to loans | 0.5262% | 4,596 |
| Net loans and leases to total assets | 82.7385% | 312 |
| Net loans and leases to deposits | 97.8453% | 552 |
| Net loans and leases to core deposits | 131.2168% | 180 |
| Total domestic deposits to total assets | 84.5606% | 4,060 |
| Equity capital to assets | 8.5947% | 5,554 |
| Core capital (leverage) ratio | 9.0747% | 4,903 |
| Tier 1 risk-based capital ratio | 10.0603% | 6,461 |
| Total risk-based capital ratio | 11.3159% | 6,429 |
| Memoranda: | ||
| Average total assets | $1,117,493,500 | 607 |
| Average earning assets | $1,055,603,500 | 582 |
| Average equity | $96,859,000 | 754 |
| Average total loans | $941,479,000 | 467 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2817% | 554 |
| Cost of funding earning assets | 0.7277% | 1,638 |
| Net interest margin | 4.5540% | 663 |
| Noninterest income to average assets | 0.3589% | 4,733 |
| Noninterest expense to average assets | 2.0943% | 5,841 |
| Loan and lease loss provision to assets | 0.3877% | 778 |
| Net operating income to assets | 1.3164% | 1,212 |
| Return on assets (ROA) | 1.3164% | 1,249 |
| Pretax return on assets | 2.1353% | 354 |
| Return on Equity (ROE) | 14.5994% | 831 |
| Retained earnings to average equity (ytd only) | 14.5994% | 183 |
| Net charge-offs to loans | 0.0317% | 4,798 |
| Credit loss provision to net charge-offs | 1,390.0369% | 179 |
| Earnings coverage of net charge-offs (x) | 90.4613% | 499 |
| Efficiency ratio | 45.3583% | 6,583 |
| Assets per employee ($millions) | 8.2368% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6958% | 2,418 |
| Loan loss allowance to noncurrent loans | 271.3914% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 4,662 |
| Noncurrent loans to loans | 0.6248% | 4,416 |
| Net loans and leases to total assets | 82.8782% | 333 |
| Net loans and leases to deposits | 97.8517% | 598 |
| Net loans and leases to core deposits | 132.5840% | 177 |
| Total domestic deposits to total assets | 84.6978% | 3,892 |
| Equity capital to assets | 8.7432% | 5,319 |
| Core capital (leverage) ratio | 9.0943% | 4,863 |
| Tier 1 risk-based capital ratio | 10.2359% | 6,451 |
| Total risk-based capital ratio | 11.4912% | 6,405 |
| Memoranda: | ||
| Average total assets | $971,676,600 | 676 |
| Average earning assets | $908,614,800 | 657 |
| Average equity | $87,613,200 | 801 |
| Average total loans | $855,547,600 | 486 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3519% | 488 |
| Cost of funding earning assets | 0.7214% | 1,800 |
| Net interest margin | 4.6304% | 585 |
| Noninterest income to average assets | 0.3753% | 4,705 |
| Noninterest expense to average assets | 2.2209% | 5,553 |
| Loan and lease loss provision to assets | 0.2930% | 1,171 |
| Net operating income to assets | 1.3460% | 1,230 |
| Return on assets (ROA) | 1.3460% | 1,279 |
| Pretax return on assets | 2.1805% | 406 |
| Return on Equity (ROE) | 14.7975% | 835 |
| Retained earnings to average equity (ytd only) | 14.7975% | 212 |
| Net charge-offs to loans | 0.0418% | 4,315 |
| Credit loss provision to net charge-offs | 785.9316% | 371 |
| Earnings coverage of net charge-offs (x) | 66.3570% | 693 |
| Efficiency ratio | 47.3099% | 6,534 |
| Assets per employee ($millions) | 7.1107% | 703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5440% | 3,258 |
| Loan loss allowance to noncurrent loans | 250.1791% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.5416% | 4,824 |
| Noncurrent loans to loans | 0.6172% | 4,661 |
| Net loans and leases to total assets | 86.3980% | 133 |
| Net loans and leases to deposits | 106.3890% | 231 |
| Net loans and leases to core deposits | 132.1487% | 166 |
| Total domestic deposits to total assets | 81.2095% | 5,165 |
| Equity capital to assets | 9.0204% | 5,162 |
| Core capital (leverage) ratio | 9.6182% | 4,222 |
| Tier 1 risk-based capital ratio | 10.0599% | 6,583 |
| Total risk-based capital ratio | 11.3141% | 6,550 |
| Memoranda: | ||
| Average total assets | $940,720,750 | 704 |
| Average earning assets | $877,478,250 | 686 |
| Average equity | $85,571,000 | 838 |
| Average total loans | $838,536,250 | 494 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4691% | 395 |
| Cost of funding earning assets | 0.7251% | 1,886 |
| Net interest margin | 4.7440% | 469 |
| Noninterest income to average assets | 0.3912% | 4,589 |
| Noninterest expense to average assets | 2.2756% | 5,431 |
| Loan and lease loss provision to assets | 0.3251% | 1,070 |
| Net operating income to assets | 1.3606% | 1,167 |
| Return on assets (ROA) | 1.3606% | 1,251 |
| Pretax return on assets | 2.1992% | 416 |
| Return on Equity (ROE) | 14.9110% | 826 |
| Retained earnings to average equity (ytd only) | 14.9110% | 240 |
| Net charge-offs to loans | 0.0015% | 4,892 |
| Credit loss provision to net charge-offs | 24,666.6667% | 12 |
| Earnings coverage of net charge-offs (x) | 1,915.5000% | 12 |
| Efficiency ratio | 47.4101% | 6,573 |
| Assets per employee ($millions) | 7.0143% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 3,137 |
| Loan loss allowance to noncurrent loans | 246.6100% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 1.3761% | 3,038 |
| Noncurrent loans to loans | 0.6514% | 4,639 |
| Net loans and leases to total assets | 88.2335% | 82 |
| Net loans and leases to deposits | 105.7524% | 225 |
| Net loans and leases to core deposits | 133.5848% | 164 |
| Total domestic deposits to total assets | 83.4341% | 4,530 |
| Equity capital to assets | 9.1092% | 5,094 |
| Core capital (leverage) ratio | 9.4526% | 4,316 |
| Tier 1 risk-based capital ratio | 9.8971% | 6,654 |
| Total risk-based capital ratio | 11.1508% | 6,634 |
| Memoranda: | ||
| Average total assets | $910,610,000 | 729 |
| Average earning assets | $846,242,000 | 706 |
| Average equity | $83,093,000 | 864 |
| Average total loans | $816,455,330 | 509 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2328% | 573 |
| Cost of funding earning assets | 0.7232% | 2,039 |
| Net interest margin | 4.5096% | 672 |
| Noninterest income to average assets | 0.3872% | 4,564 |
| Noninterest expense to average assets | 2.2782% | 5,481 |
| Loan and lease loss provision to assets | 0.3362% | 997 |
| Net operating income to assets | 1.2240% | 1,455 |
| Return on assets (ROA) | 1.2240% | 1,568 |
| Pretax return on assets | 1.9622% | 632 |
| Return on Equity (ROE) | 13.4019% | 1,077 |
| Retained earnings to average equity (ytd only) | 13.4019% | 506 |
| Net charge-offs to loans | -0.0135% | 5,553 |
| Credit loss provision to net charge-offs | -2,777.7778% | 5,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7796% | 6,518 |
| Assets per employee ($millions) | 6.6502% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 3,364 |
| Loan loss allowance to noncurrent loans | 109.4083% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 2.1692% | 2,157 |
| Noncurrent loans to loans | 1.4716% | 3,352 |
| Net loans and leases to total assets | 88.7599% | 58 |
| Net loans and leases to deposits | 108.4109% | 151 |
| Net loans and leases to core deposits | 132.8994% | 159 |
| Total domestic deposits to total assets | 81.8735% | 5,240 |
| Equity capital to assets | 9.2970% | 5,135 |
| Core capital (leverage) ratio | 9.5022% | 4,073 |
| Tier 1 risk-based capital ratio | 10.0412% | 6,685 |
| Total risk-based capital ratio | 11.2949% | 6,672 |
| Memoranda: | ||
| Average total assets | $892,452,500 | 741 |
| Average earning assets | $829,084,500 | 727 |
| Average equity | $81,511,000 | 900 |
| Average total loans | $800,110,500 | 514 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5641% | 549 |
| Cost of funding earning assets | 0.8247% | 2,469 |
| Net interest margin | 4.7394% | 608 |
| Noninterest income to average assets | 0.4035% | 4,581 |
| Noninterest expense to average assets | 2.2525% | 5,808 |
| Loan and lease loss provision to assets | 0.4682% | 1,331 |
| Net operating income to assets | 1.2955% | 1,316 |
| Return on assets (ROA) | 1.2990% | 1,448 |
| Pretax return on assets | 2.0560% | 540 |
| Return on Equity (ROE) | 13.5652% | 1,089 |
| Retained earnings to average equity (ytd only) | 12.5103% | 284 |
| Net charge-offs to loans | 0.0540% | 5,178 |
| Credit loss provision to net charge-offs | 992.5134% | 257 |
| Earnings coverage of net charge-offs (x) | 53.3957% | 651 |
| Efficiency ratio | 47.2112% | 6,746 |
| Assets per employee ($millions) | 7.2665% | 683 |
| Cash dividends to net income (ytd only)* | 7.7767% | 4,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 3,629 |
| Loan loss allowance to noncurrent loans | 105.7269% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 2.1266% | 2,302 |
| Noncurrent loans to loans | 1.4450% | 3,434 |
| Net loans and leases to total assets | 87.7342% | 88 |
| Net loans and leases to deposits | 108.2585% | 185 |
| Net loans and leases to core deposits | 134.6692% | 156 |
| Total domestic deposits to total assets | 81.0414% | 5,390 |
| Equity capital to assets | 8.9702% | 5,553 |
| Core capital (leverage) ratio | 9.4527% | 4,180 |
| Tier 1 risk-based capital ratio | 9.8298% | 6,741 |
| Total risk-based capital ratio | 11.0826% | 6,710 |
| Memoranda: | ||
| Average total assets | $792,888,200 | 837 |
| Average earning assets | $730,708,200 | 820 |
| Average equity | $75,929,600 | 928 |
| Average total loans | $692,508,600 | 601 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5728% | 583 |
| Cost of funding earning assets | 0.8545% | 2,505 |
| Net interest margin | 4.7183% | 653 |
| Noninterest income to average assets | 0.3859% | 4,739 |
| Noninterest expense to average assets | 2.3213% | 5,630 |
| Loan and lease loss provision to assets | 0.4884% | 1,263 |
| Net operating income to assets | 1.2179% | 1,676 |
| Return on assets (ROA) | 1.2179% | 1,852 |
| Pretax return on assets | 1.9150% | 844 |
| Return on Equity (ROE) | 12.4874% | 1,471 |
| Retained earnings to average equity (ytd only) | 12.4874% | 445 |
| Net charge-offs to loans | 0.0716% | 4,694 |
| Credit loss provision to net charge-offs | 785.4749% | 358 |
| Earnings coverage of net charge-offs (x) | 38.6538% | 903 |
| Efficiency ratio | 49.1306% | 6,654 |
| Assets per employee ($millions) | 6.3527% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 3,836 |
| Loan loss allowance to noncurrent loans | 96.7747% | 3,328 |
| Noncurrent assets plus other real estate owned to assets | 2.4663% | 2,144 |
| Noncurrent loans to loans | 1.5770% | 3,426 |
| Net loans and leases to total assets | 88.1472% | 90 |
| Net loans and leases to deposits | 110.2296% | 158 |
| Net loans and leases to core deposits | 131.9991% | 177 |
| Total domestic deposits to total assets | 79.9669% | 5,661 |
| Equity capital to assets | 9.5110% | 5,194 |
| Core capital (leverage) ratio | 9.9672% | 3,587 |
| Tier 1 risk-based capital ratio | 10.2383% | 6,743 |
| Total risk-based capital ratio | 11.4909% | 6,715 |
| Memoranda: | ||
| Average total assets | $767,665,750 | 870 |
| Average earning assets | $705,908,750 | 861 |
| Average equity | $74,868,500 | 949 |
| Average total loans | $666,557,000 | 625 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6002% | 576 |
| Cost of funding earning assets | 0.8677% | 2,670 |
| Net interest margin | 4.7325% | 630 |
| Noninterest income to average assets | 0.3290% | 5,196 |
| Noninterest expense to average assets | 2.3417% | 5,632 |
| Loan and lease loss provision to assets | 0.5017% | 1,265 |
| Net operating income to assets | 1.1694% | 1,816 |
| Return on assets (ROA) | 1.1694% | 2,018 |
| Pretax return on assets | 1.8314% | 978 |
| Return on Equity (ROE) | 11.8818% | 1,706 |
| Retained earnings to average equity (ytd only) | 11.8818% | 604 |
| Net charge-offs to loans | 0.0610% | 4,569 |
| Credit loss provision to net charge-offs | 957.6531% | 344 |
| Earnings coverage of net charge-offs (x) | 44.5357% | 808 |
| Efficiency ratio | 50.0915% | 6,643 |
| Assets per employee ($millions) | 6.2199% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 3,773 |
| Loan loss allowance to noncurrent loans | 97.0719% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 2.4645% | 2,265 |
| Noncurrent loans to loans | 1.5981% | 3,513 |
| Net loans and leases to total assets | 87.8904% | 83 |
| Net loans and leases to deposits | 111.4181% | 132 |
| Net loans and leases to core deposits | 127.3494% | 233 |
| Total domestic deposits to total assets | 78.8834% | 5,981 |
| Equity capital to assets | 10.0005% | 4,339 |
| Core capital (leverage) ratio | 10.0984% | 3,282 |
| Tier 1 risk-based capital ratio | 10.7134% | 6,612 |
| Total risk-based capital ratio | 11.9662% | 6,595 |
| Memoranda: | ||
| Average total assets | $748,269,670 | 895 |
| Average earning assets | $687,122,670 | 886 |
| Average equity | $73,642,330 | 956 |
| Average total loans | $642,326,330 | 650 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5551% | 685 |
| Cost of funding earning assets | 0.9174% | 2,546 |
| Net interest margin | 4.6377% | 766 |
| Noninterest income to average assets | 0.3203% | 5,313 |
| Noninterest expense to average assets | 2.3640% | 5,586 |
| Loan and lease loss provision to assets | 0.5518% | 1,065 |
| Net operating income to assets | 1.0606% | 2,252 |
| Return on assets (ROA) | 1.0606% | 2,445 |
| Pretax return on assets | 1.6528% | 1,428 |
| Return on Equity (ROE) | 10.8659% | 2,076 |
| Retained earnings to average equity (ytd only) | 10.8659% | 1,064 |
| Net charge-offs to loans | 0.1748% | 3,046 |
| Credit loss provision to net charge-offs | 375.4579% | 815 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,443 |
| Efficiency ratio | 51.7440% | 6,563 |
| Assets per employee ($millions) | 6.1077% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5119% | 4,095 |
| Loan loss allowance to noncurrent loans | 95.9824% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 2.3869% | 2,491 |
| Noncurrent loans to loans | 1.5752% | 3,748 |
| Net loans and leases to total assets | 83.0703% | 218 |
| Net loans and leases to deposits | 104.4169% | 242 |
| Net loans and leases to core deposits | 119.1539% | 323 |
| Total domestic deposits to total assets | 79.5564% | 5,961 |
| Equity capital to assets | 9.7835% | 4,405 |
| Core capital (leverage) ratio | 10.0006% | 3,367 |
| Tier 1 risk-based capital ratio | 11.0067% | 6,527 |
| Total risk-based capital ratio | 12.2590% | 6,517 |
| Memoranda: | ||
| Average total assets | $742,992,000 | 904 |
| Average earning assets | $680,595,500 | 895 |
| Average equity | $72,520,500 | 963 |
| Average total loans | $624,768,000 | 666 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8439% | 584 |
| Cost of funding earning assets | 1.2344% | 1,816 |
| Net interest margin | 4.6094% | 904 |
| Noninterest income to average assets | 0.5681% | 3,375 |
| Noninterest expense to average assets | 2.2167% | 6,237 |
| Loan and lease loss provision to assets | 0.4239% | 2,471 |
| Net operating income to assets | 1.4372% | 951 |
| Return on assets (ROA) | 1.4372% | 1,032 |
| Pretax return on assets | 2.1376% | 416 |
| Return on Equity (ROE) | 15.2262% | 709 |
| Retained earnings to average equity (ytd only) | 15.0439% | 126 |
| Net charge-offs to loans | 0.4415% | 3,226 |
| Credit loss provision to net charge-offs | 113.3001% | 2,904 |
| Earnings coverage of net charge-offs (x) | 6.8471% | 2,437 |
| Efficiency ratio | 46.3914% | 7,028 |
| Assets per employee ($millions) | 6.9315% | 760 |
| Cash dividends to net income (ytd only)* | 1.1972% | 4,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 4,319 |
| Loan loss allowance to noncurrent loans | 89.0638% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 2.3698% | 2,556 |
| Noncurrent loans to loans | 1.6094% | 3,744 |
| Net loans and leases to total assets | 82.6234% | 298 |
| Net loans and leases to deposits | 103.5851% | 320 |
| Net loans and leases to core deposits | 119.4401% | 366 |
| Total domestic deposits to total assets | 79.7638% | 5,805 |
| Equity capital to assets | 9.7371% | 4,536 |
| Core capital (leverage) ratio | 9.9815% | 3,360 |
| Tier 1 risk-based capital ratio | 10.8794% | 6,519 |
| Total risk-based capital ratio | 12.1307% | 6,495 |
| Memoranda: | ||
| Average total assets | $697,402,200 | 935 |
| Average earning assets | $636,977,200 | 934 |
| Average equity | $65,827,200 | 1,023 |
| Average total loans | $590,927,200 | 708 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8747% | 589 |
| Cost of funding earning assets | 1.3268% | 1,562 |
| Net interest margin | 4.5479% | 1,049 |
| Noninterest income to average assets | 0.3779% | 4,842 |
| Noninterest expense to average assets | 2.3046% | 6,016 |
| Loan and lease loss provision to assets | 0.4029% | 2,434 |
| Net operating income to assets | 1.1741% | 1,733 |
| Return on assets (ROA) | 1.1741% | 1,849 |
| Pretax return on assets | 1.8230% | 915 |
| Return on Equity (ROE) | 12.5445% | 1,398 |
| Retained earnings to average equity (ytd only) | 12.5445% | 424 |
| Net charge-offs to loans | 0.0107% | 6,002 |
| Credit loss provision to net charge-offs | 4,423.4043% | 70 |
| Earnings coverage of net charge-offs (x) | 244.3852% | 165 |
| Efficiency ratio | 50.8683% | 6,772 |
| Assets per employee ($millions) | 6.1383% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7470% | 3,116 |
| Loan loss allowance to noncurrent loans | 95.6597% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 2.5420% | 2,529 |
| Noncurrent loans to loans | 1.8262% | 3,607 |
| Net loans and leases to total assets | 84.4966% | 190 |
| Net loans and leases to deposits | 105.6773% | 261 |
| Net loans and leases to core deposits | 120.5127% | 376 |
| Total domestic deposits to total assets | 79.9572% | 5,755 |
| Equity capital to assets | 9.6421% | 4,867 |
| Core capital (leverage) ratio | 9.8179% | 3,685 |
| Tier 1 risk-based capital ratio | 10.5456% | 6,760 |
| Total risk-based capital ratio | 11.8003% | 6,743 |
| Memoranda: | ||
| Average total assets | $688,067,000 | 955 |
| Average earning assets | $628,260,500 | 949 |
| Average equity | $64,398,250 | 1,052 |
| Average total loans | $584,684,500 | 726 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8201% | 694 |
| Cost of funding earning assets | 1.2412% | 2,312 |
| Net interest margin | 4.5789% | 949 |
| Noninterest income to average assets | 0.3955% | 4,718 |
| Noninterest expense to average assets | 2.3044% | 6,113 |
| Loan and lease loss provision to assets | 0.4271% | 2,296 |
| Net operating income to assets | 1.1909% | 1,603 |
| Return on assets (ROA) | 1.1909% | 1,691 |
| Pretax return on assets | 1.8460% | 798 |
| Return on Equity (ROE) | 12.8571% | 1,232 |
| Retained earnings to average equity (ytd only) | 12.8571% | 403 |
| Net charge-offs to loans | 0.0169% | 5,604 |
| Credit loss provision to net charge-offs | 2,981.6327% | 112 |
| Earnings coverage of net charge-offs (x) | 158.6939% | 224 |
| Efficiency ratio | 50.3417% | 6,915 |
| Assets per employee ($millions) | 6.9332% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6677% | 3,427 |
| Loan loss allowance to noncurrent loans | 81.0304% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 2.6846% | 2,493 |
| Noncurrent loans to loans | 2.0582% | 3,399 |
| Net loans and leases to total assets | 84.1317% | 239 |
| Net loans and leases to deposits | 109.4833% | 187 |
| Net loans and leases to core deposits | 120.9696% | 395 |
| Total domestic deposits to total assets | 76.8443% | 6,473 |
| Equity capital to assets | 9.4418% | 4,904 |
| Core capital (leverage) ratio | 9.4844% | 3,979 |
| Tier 1 risk-based capital ratio | 10.3917% | 6,827 |
| Total risk-based capital ratio | 11.6457% | 6,825 |
| Memoranda: | ||
| Average total assets | $684,168,670 | 969 |
| Average earning assets | $624,871,000 | 961 |
| Average equity | $63,373,670 | 1,066 |
| Average total loans | $578,983,330 | 746 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8351% | 689 |
| Cost of funding earning assets | 1.2438% | 2,545 |
| Net interest margin | 4.5913% | 875 |
| Noninterest income to average assets | 0.4185% | 4,556 |
| Noninterest expense to average assets | 2.2949% | 6,202 |
| Loan and lease loss provision to assets | 0.5050% | 1,722 |
| Net operating income to assets | 1.1789% | 1,570 |
| Return on assets (ROA) | 1.1789% | 1,623 |
| Pretax return on assets | 1.8117% | 794 |
| Return on Equity (ROE) | 12.8543% | 1,228 |
| Retained earnings to average equity (ytd only) | 12.8543% | 609 |
| Net charge-offs to loans | 0.0210% | 4,783 |
| Credit loss provision to net charge-offs | 2,860.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 131.2000% | 242 |
| Efficiency ratio | 49.7639% | 7,005 |
| Assets per employee ($millions) | 6.6904% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,677 |
| Loan loss allowance to noncurrent loans | 114.9685% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 2.1172% | 3,166 |
| Noncurrent loans to loans | 1.4038% | 4,369 |
| Net loans and leases to total assets | 82.3500% | 316 |
| Net loans and leases to deposits | 107.9766% | 218 |
| Net loans and leases to core deposits | 118.9817% | 446 |
| Total domestic deposits to total assets | 76.2666% | 6,626 |
| Equity capital to assets | 9.1832% | 4,895 |
| Core capital (leverage) ratio | 9.4530% | 3,879 |
| Tier 1 risk-based capital ratio | 10.3096% | 6,899 |
| Total risk-based capital ratio | 11.5627% | 6,883 |
| Memoranda: | ||
| Average total assets | $679,593,000 | 982 |
| Average earning assets | $620,657,000 | 976 |
| Average equity | $62,329,500 | 1,079 |
| Average total loans | $571,877,500 | 767 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9242% | 990 |
| Cost of funding earning assets | 1.4091% | 3,203 |
| Net interest margin | 4.5151% | 1,199 |
| Noninterest income to average assets | 0.4399% | 4,595 |
| Noninterest expense to average assets | 2.3924% | 6,105 |
| Loan and lease loss provision to assets | 0.4689% | 3,321 |
| Net operating income to assets | 1.0705% | 1,799 |
| Return on assets (ROA) | 1.0705% | 1,892 |
| Pretax return on assets | 1.6711% | 996 |
| Return on Equity (ROE) | 11.5241% | 1,442 |
| Retained earnings to average equity (ytd only) | 11.0253% | 376 |
| Net charge-offs to loans | 0.0069% | 6,772 |
| Credit loss provision to net charge-offs | 8,152.7778% | 15 |
| Earnings coverage of net charge-offs (x) | 372.0556% | 62 |
| Efficiency ratio | 52.7848% | 6,919 |
| Assets per employee ($millions) | 6.5693% | 918 |
| Cash dividends to net income (ytd only)* | 4.3284% | 3,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 4,037 |
| Loan loss allowance to noncurrent loans | 121.4521% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 2.0247% | 3,320 |
| Noncurrent loans to loans | 1.2317% | 4,668 |
| Net loans and leases to total assets | 83.3462% | 352 |
| Net loans and leases to deposits | 110.6372% | 225 |
| Net loans and leases to core deposits | 120.7008% | 511 |
| Total domestic deposits to total assets | 75.3329% | 6,720 |
| Equity capital to assets | 9.1596% | 4,903 |
| Core capital (leverage) ratio | 9.3085% | 3,996 |
| Tier 1 risk-based capital ratio | 10.1503% | 6,906 |
| Total risk-based capital ratio | 11.4022% | 6,881 |
| Memoranda: | ||
| Average total assets | $625,887,200 | 1,069 |
| Average earning assets | $567,318,800 | 1,066 |
| Average equity | $58,138,800 | 1,145 |
| Average total loans | $520,633,600 | 866 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9339% | 1,067 |
| Cost of funding earning assets | 1.4406% | 3,329 |
| Net interest margin | 4.4933% | 1,271 |
| Noninterest income to average assets | 0.4237% | 4,770 |
| Noninterest expense to average assets | 2.5383% | 5,567 |
| Loan and lease loss provision to assets | 0.3055% | 4,128 |
| Net operating income to assets | 1.0552% | 2,053 |
| Return on assets (ROA) | 1.0561% | 2,158 |
| Pretax return on assets | 1.6463% | 1,221 |
| Return on Equity (ROE) | 11.3261% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.3261% | 554 |
| Net charge-offs to loans | 0.0084% | 6,549 |
| Credit loss provision to net charge-offs | 4,403.1250% | 65 |
| Earnings coverage of net charge-offs (x) | 281.0647% | 114 |
| Efficiency ratio | 56.5459% | 6,483 |
| Assets per employee ($millions) | 5.8083% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 4,812 |
| Loan loss allowance to noncurrent loans | 158.5194% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 1.7164% | 3,868 |
| Noncurrent loans to loans | 0.8372% | 5,545 |
| Net loans and leases to total assets | 80.2549% | 705 |
| Net loans and leases to deposits | 108.4899% | 287 |
| Net loans and leases to core deposits | 119.4750% | 632 |
| Total domestic deposits to total assets | 73.9745% | 6,921 |
| Equity capital to assets | 9.2984% | 5,143 |
| Core capital (leverage) ratio | 9.4898% | 3,921 |
| Tier 1 risk-based capital ratio | 10.6347% | 6,682 |
| Total risk-based capital ratio | 11.8685% | 6,683 |
| Memoranda: | ||
| Average total assets | $614,841,500 | 1,093 |
| Average earning assets | $556,245,500 | 1,091 |
| Average equity | $57,329,500 | 1,159 |
| Average total loans | $509,052,250 | 888 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9361% | 1,092 |
| Cost of funding earning assets | 1.4653% | 3,458 |
| Net interest margin | 4.4708% | 1,268 |
| Noninterest income to average assets | 0.4368% | 4,636 |
| Noninterest expense to average assets | 2.6600% | 5,079 |
| Loan and lease loss provision to assets | 0.2490% | 4,434 |
| Net operating income to assets | 1.0082% | 2,160 |
| Return on assets (ROA) | 1.0095% | 2,232 |
| Pretax return on assets | 1.5663% | 1,388 |
| Return on Equity (ROE) | 10.8154% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.8154% | 687 |
| Net charge-offs to loans | 0.0147% | 6,136 |
| Credit loss provision to net charge-offs | 2,035.1351% | 200 |
| Earnings coverage of net charge-offs (x) | 148.2162% | 231 |
| Efficiency ratio | 59.4649% | 6,149 |
| Assets per employee ($millions) | 5.8751% | 1,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2228% | 5,338 |
| Loan loss allowance to noncurrent loans | 215.0956% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 1.5232% | 4,174 |
| Noncurrent loans to loans | 0.5685% | 6,110 |
| Net loans and leases to total assets | 80.1776% | 766 |
| Net loans and leases to deposits | 108.8933% | 302 |
| Net loans and leases to core deposits | 119.3845% | 716 |
| Total domestic deposits to total assets | 73.6295% | 7,024 |
| Equity capital to assets | 9.1698% | 5,189 |
| Core capital (leverage) ratio | 9.3606% | 4,026 |
| Tier 1 risk-based capital ratio | 10.5348% | 6,657 |
| Total risk-based capital ratio | 11.6755% | 6,726 |
| Memoranda: | ||
| Average total assets | $604,881,670 | 1,119 |
| Average earning assets | $546,116,330 | 1,118 |
| Average equity | $56,456,330 | 1,167 |
| Average total loans | $503,943,330 | 902 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0502% | 885 |
| Cost of funding earning assets | 1.4655% | 3,770 |
| Net interest margin | 4.5848% | 981 |
| Noninterest income to average assets | 0.4366% | 4,588 |
| Noninterest expense to average assets | 2.7875% | 4,529 |
| Loan and lease loss provision to assets | 0.2535% | 4,017 |
| Net operating income to assets | 0.9864% | 2,234 |
| Return on assets (ROA) | 0.9890% | 2,288 |
| Pretax return on assets | 1.5266% | 1,448 |
| Return on Equity (ROE) | 10.4977% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.4977% | 1,044 |
| Net charge-offs to loans | -0.0024% | 6,769 |
| Credit loss provision to net charge-offs | -12,466.6667% | 6,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0814% | 5,986 |
| Assets per employee ($millions) | 6.3172% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 5,531 |
| Loan loss allowance to noncurrent loans | 205.6246% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 1.6018% | 4,091 |
| Noncurrent loans to loans | 0.5811% | 6,142 |
| Net loans and leases to total assets | 81.2579% | 678 |
| Net loans and leases to deposits | 112.6071% | 240 |
| Net loans and leases to core deposits | 124.6566% | 628 |
| Total domestic deposits to total assets | 72.1605% | 7,249 |
| Equity capital to assets | 9.2909% | 4,849 |
| Core capital (leverage) ratio | 9.7315% | 3,475 |
| Tier 1 risk-based capital ratio | 10.6707% | 6,473 |
| Total risk-based capital ratio | 11.7945% | 6,582 |
| Memoranda: | ||
| Average total assets | $590,068,500 | 1,176 |
| Average earning assets | $531,152,000 | 1,193 |
| Average equity | $55,593,000 | 1,197 |
| Average total loans | $498,399,500 | 943 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9925% | 1,904 |
| Cost of funding earning assets | 1.7861% | 4,068 |
| Net interest margin | 4.2064% | 2,041 |
| Noninterest income to average assets | 0.6462% | 3,318 |
| Noninterest expense to average assets | 2.6751% | 5,498 |
| Loan and lease loss provision to assets | 0.5784% | 3,493 |
| Net operating income to assets | 0.7726% | 2,628 |
| Return on assets (ROA) | 0.7726% | 2,724 |
| Pretax return on assets | 1.1517% | 2,091 |
| Return on Equity (ROE) | 8.1678% | 2,299 |
| Retained earnings to average equity (ytd only) | 7.6102% | 801 |
| Net charge-offs to loans | 0.3686% | 4,375 |
| Credit loss provision to net charge-offs | 184.7614% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.5267% | 2,566 |
| Efficiency ratio | 60.7265% | 6,369 |
| Assets per employee ($millions) | 5.4121% | 1,730 |
| Cash dividends to net income (ytd only)* | 6.8267% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,804 |
| Loan loss allowance to noncurrent loans | 78.4981% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.2395% | 4,615 |
| Noncurrent loans to loans | 1.4278% | 4,536 |
| Net loans and leases to total assets | 85.8429% | 291 |
| Net loans and leases to deposits | 122.0451% | 149 |
| Net loans and leases to core deposits | 142.1986% | 728 |
| Total domestic deposits to total assets | 70.3370% | 7,393 |
| Equity capital to assets | 9.5594% | 4,342 |
| Core capital (leverage) ratio | 9.7014% | 3,450 |
| Tier 1 risk-based capital ratio | 10.5669% | 6,324 |
| Total risk-based capital ratio | 11.6370% | 6,481 |
| Memoranda: | ||
| Average total assets | $555,527,000 | 1,251 |
| Average earning assets | $496,439,000 | 1,272 |
| Average equity | $52,547,800 | 1,260 |
| Average total loans | $471,821,800 | 1,021 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9321% | 2,306 |
| Cost of funding earning assets | 1.8731% | 4,030 |
| Net interest margin | 4.0589% | 2,551 |
| Noninterest income to average assets | 0.5065% | 4,431 |
| Noninterest expense to average assets | 2.6802% | 5,408 |
| Loan and lease loss provision to assets | 0.6321% | 2,864 |
| Net operating income to assets | 0.5730% | 3,716 |
| Return on assets (ROA) | 0.5730% | 3,782 |
| Pretax return on assets | 0.8133% | 3,495 |
| Return on Equity (ROE) | 6.0746% | 3,496 |
| Retained earnings to average equity (ytd only) | 6.0746% | 1,913 |
| Net charge-offs to loans | 0.0118% | 6,770 |
| Credit loss provision to net charge-offs | 6,370.7317% | 61 |
| Earnings coverage of net charge-offs (x) | 145.6704% | 266 |
| Efficiency ratio | 64.9657% | 5,556 |
| Assets per employee ($millions) | 5.2952% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,145 |
| Loan loss allowance to noncurrent loans | 68.1739% | 3,896 |
| Noncurrent assets plus other real estate owned to assets | 1.7847% | 3,680 |
| Noncurrent loans to loans | 1.9992% | 3,646 |
| Net loans and leases to total assets | 85.3139% | 406 |
| Net loans and leases to deposits | 116.8713% | 258 |
| Net loans and leases to core deposits | 132.3560% | 1,316 |
| Total domestic deposits to total assets | 72.9982% | 7,086 |
| Equity capital to assets | 9.3822% | 4,908 |
| Core capital (leverage) ratio | 9.3352% | 4,131 |
| Tier 1 risk-based capital ratio | 10.2760% | 6,710 |
| Total risk-based capital ratio | 11.5266% | 6,653 |
| Memoranda: | ||
| Average total assets | $550,987,500 | 1,271 |
| Average earning assets | $491,282,750 | 1,295 |
| Average equity | $51,974,500 | 1,294 |
| Average total loans | $465,264,750 | 1,052 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8358% | 2,873 |
| Cost of funding earning assets | 1.9578% | 3,966 |
| Net interest margin | 3.8780% | 3,215 |
| Noninterest income to average assets | 0.5266% | 4,217 |
| Noninterest expense to average assets | 2.6838% | 5,444 |
| Loan and lease loss provision to assets | 0.2891% | 4,261 |
| Net operating income to assets | 0.6798% | 3,344 |
| Return on assets (ROA) | 0.6798% | 3,463 |
| Pretax return on assets | 0.9934% | 3,038 |
| Return on Equity (ROE) | 7.1927% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.1927% | 1,511 |
| Net charge-offs to loans | 0.0140% | 6,349 |
| Credit loss provision to net charge-offs | 2,465.6250% | 215 |
| Earnings coverage of net charge-offs (x) | 109.3750% | 349 |
| Efficiency ratio | 67.6644% | 5,221 |
| Assets per employee ($millions) | 5.1262% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 6,126 |
| Loan loss allowance to noncurrent loans | 40.6297% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 2.1465% | 3,001 |
| Noncurrent loans to loans | 2.4952% | 2,904 |
| Net loans and leases to total assets | 82.7357% | 821 |
| Net loans and leases to deposits | 112.9169% | 448 |
| Net loans and leases to core deposits | 131.5425% | 1,456 |
| Total domestic deposits to total assets | 73.2714% | 7,071 |
| Equity capital to assets | 9.1446% | 5,106 |
| Core capital (leverage) ratio | 9.3132% | 4,149 |
| Tier 1 risk-based capital ratio | 10.3822% | 6,498 |
| Total risk-based capital ratio | 11.3494% | 6,747 |
| Memoranda: | ||
| Average total assets | $545,788,330 | 1,297 |
| Average earning assets | $484,112,000 | 1,335 |
| Average equity | $51,580,000 | 1,323 |
| Average total loans | $457,001,330 | 1,092 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9281% | 2,657 |
| Cost of funding earning assets | 2.0405% | 3,921 |
| Net interest margin | 3.8876% | 3,085 |
| Noninterest income to average assets | 0.4989% | 4,329 |
| Noninterest expense to average assets | 2.6034% | 5,436 |
| Loan and lease loss provision to assets | 0.2957% | 3,583 |
| Net operating income to assets | 0.6832% | 3,639 |
| Return on assets (ROA) | 0.6832% | 3,826 |
| Pretax return on assets | 1.0045% | 3,331 |
| Return on Equity (ROE) | 7.1050% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.1050% | 2,171 |
| Net charge-offs to loans | 0.0054% | 5,618 |
| Credit loss provision to net charge-offs | 6,550.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 288.0000% | 141 |
| Efficiency ratio | 66.6924% | 5,198 |
| Assets per employee ($millions) | 5.1864% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 6,209 |
| Loan loss allowance to noncurrent loans | 45.3354% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 1.8461% | 3,147 |
| Noncurrent loans to loans | 2.1989% | 2,978 |
| Net loans and leases to total assets | 80.4426% | 1,306 |
| Net loans and leases to deposits | 113.7438% | 458 |
| Net loans and leases to core deposits | 133.1694% | 1,467 |
| Total domestic deposits to total assets | 70.7227% | 7,361 |
| Equity capital to assets | 9.3019% | 4,936 |
| Core capital (leverage) ratio | 9.7886% | 3,648 |
| Tier 1 risk-based capital ratio | 10.9079% | 5,983 |
| Total risk-based capital ratio | 11.8640% | 6,199 |
| Memoranda: | ||
| Average total assets | $531,616,000 | 1,327 |
| Average earning assets | $465,581,000 | 1,400 |
| Average equity | $51,119,000 | 1,342 |
| Average total loans | $445,563,000 | 1,131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3867% | 3,483 |
| Cost of funding earning assets | 2.2394% | 5,424 |
| Net interest margin | 4.1473% | 2,514 |
| Noninterest income to average assets | 0.5926% | 3,896 |
| Noninterest expense to average assets | 2.6259% | 5,551 |
| Loan and lease loss provision to assets | 0.1713% | 5,191 |
| Net operating income to assets | 1.0171% | 2,489 |
| Return on assets (ROA) | 0.9250% | 2,748 |
| Pretax return on assets | 1.4474% | 1,833 |
| Return on Equity (ROE) | 9.2951% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.6924% | 658 |
| Net charge-offs to loans | 0.0988% | 5,330 |
| Credit loss provision to net charge-offs | 203.1553% | 2,393 |
| Earnings coverage of net charge-offs (x) | 20.9005% | 1,555 |
| Efficiency ratio | 59.8349% | 6,382 |
| Assets per employee ($millions) | 5.1866% | 1,741 |
| Cash dividends to net income (ytd only)* | 6.4837% | 4,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 6,489 |
| Loan loss allowance to noncurrent loans | 165.3119% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 5,519 |
| Noncurrent loans to loans | 0.5645% | 5,674 |
| Net loans and leases to total assets | 85.8001% | 622 |
| Net loans and leases to deposits | 129.1413% | 223 |
| Net loans and leases to core deposits | 151.2462% | 810 |
| Total domestic deposits to total assets | 66.4389% | 7,626 |
| Equity capital to assets | 9.9585% | 4,085 |
| Core capital (leverage) ratio | 10.1815% | 3,289 |
| Tier 1 risk-based capital ratio | 11.0386% | 5,688 |
| Total risk-based capital ratio | 11.9391% | 5,921 |
| Memoranda: | ||
| Average total assets | $488,526,800 | 1,400 |
| Average earning assets | $447,129,800 | 1,392 |
| Average equity | $48,617,200 | 1,414 |
| Average total loans | $417,064,400 | 1,148 |