Home > Norway Savings Bank > Performance and Condition Ratios
Norway Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4742% | 3,134 |
| Cost of funding earning assets | 1.1093% | 3,045 |
| Net interest margin | 3.3648% | 2,480 |
| Noninterest income to average assets | 0.5000% | 1,995 |
| Noninterest expense to average assets | 2.8020% | 1,489 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.5880% | 3,464 |
| Return on assets (ROA) | 0.7680% | 2,961 |
| Pretax return on assets | 0.9653% | 2,766 |
| Return on Equity (ROE) | 7.1900% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.1924% | 1,833 |
| Net charge-offs to loans | -0.0101% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 77.0568% | 1,156 |
| Assets per employee ($millions) | 6.0179% | 2,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7047% | 4,120 |
| Loan loss allowance to noncurrent loans | 104.5946% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 1,187 |
| Noncurrent loans to loans | 0.6737% | 1,162 |
| Net loans and leases to total assets | 69.4700% | 1,869 |
| Net loans and leases to deposits | 87.0189% | 1,534 |
| Net loans and leases to core deposits | 99.5590% | 1,459 |
| Total domestic deposits to total assets | 79.8300% | 3,489 |
| Equity capital to assets | 11.1797% | 1,405 |
| Core capital (leverage) ratio | 13.1984% | 1,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,834,431,400 | 613 |
| Average earning assets | $1,712,356,400 | 606 |
| Average equity | $195,873,600 | 549 |
| Average total loans | $1,263,199,400 | 602 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3970% | 3,111 |
| Cost of funding earning assets | 1.0032% | 3,029 |
| Net interest margin | 3.3938% | 2,466 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.7731% | 1,492 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.6417% | 3,448 |
| Return on assets (ROA) | 0.6558% | 3,406 |
| Pretax return on assets | 0.8423% | 3,239 |
| Return on Equity (ROE) | 6.2200% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.2160% | 2,565 |
| Net charge-offs to loans | -0.0133% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.8293% | 1,191 |
| Assets per employee ($millions) | 6.1818% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6385% | 4,216 |
| Loan loss allowance to noncurrent loans | 606.2454% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 3,109 |
| Noncurrent loans to loans | 0.1053% | 3,046 |
| Net loans and leases to total assets | 69.2400% | 1,911 |
| Net loans and leases to deposits | 83.3832% | 1,794 |
| Net loans and leases to core deposits | 91.9525% | 1,800 |
| Total domestic deposits to total assets | 83.0400% | 3,007 |
| Equity capital to assets | 9.9709% | 1,842 |
| Core capital (leverage) ratio | 13.0362% | 1,059 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,826,648,250 | 621 |
| Average earning assets | $1,703,120,250 | 607 |
| Average equity | $192,700,750 | 553 |
| Average total loans | $1,252,705,000 | 605 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 3,075 |
| Cost of funding earning assets | 0.8851% | 2,974 |
| Net interest margin | 3.4272% | 2,456 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.7272% | 1,582 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7340% | 3,260 |
| Return on assets (ROA) | 0.9307% | 2,635 |
| Pretax return on assets | 1.1895% | 2,387 |
| Return on Equity (ROE) | 8.6600% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.6607% | 1,775 |
| Net charge-offs to loans | -0.0142% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.3504% | 1,312 |
| Assets per employee ($millions) | 5.7252% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5867% | 4,315 |
| Loan loss allowance to noncurrent loans | 544.1198% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 3,020 |
| Noncurrent loans to loans | 0.1078% | 2,939 |
| Net loans and leases to total assets | 69.1100% | 1,837 |
| Net loans and leases to deposits | 86.8942% | 1,434 |
| Net loans and leases to core deposits | 92.1126% | 1,680 |
| Total domestic deposits to total assets | 79.5400% | 3,647 |
| Equity capital to assets | 10.8625% | 1,442 |
| Core capital (leverage) ratio | 13.2417% | 955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,817,350,333 | 612 |
| Average earning assets | $1,693,318,333 | 602 |
| Average equity | $195,296,000 | 536 |
| Average total loans | $1,239,509,667 | 600 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 3,011 |
| Cost of funding earning assets | 0.7152% | 3,009 |
| Net interest margin | 3.4983% | 2,370 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.7212% | 1,616 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7729% | 3,286 |
| Return on assets (ROA) | 1.0847% | 2,243 |
| Pretax return on assets | 1.3810% | 1,931 |
| Return on Equity (ROE) | 10.1500% | 2,744 |
| Retained earnings to average equity (ytd only) | 10.1491% | 1,664 |
| Net charge-offs to loans | -0.0023% | 3,449 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.0715% | 1,425 |
| Assets per employee ($millions) | 6.0816% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 4,351 |
| Loan loss allowance to noncurrent loans | 1,107.5893% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 3,418 |
| Noncurrent loans to loans | 0.0545% | 3,348 |
| Net loans and leases to total assets | 66.9900% | 1,949 |
| Net loans and leases to deposits | 78.4079% | 1,932 |
| Net loans and leases to core deposits | 87.0105% | 1,803 |
| Total domestic deposits to total assets | 85.4400% | 2,741 |
| Equity capital to assets | 10.9054% | 1,374 |
| Core capital (leverage) ratio | 13.2322% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,812,850,500 | 625 |
| Average earning assets | $1,688,500,500 | 614 |
| Average equity | $193,750,500 | 551 |
| Average total loans | $1,224,406,000 | 615 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8462% | 2,151 |
| Cost of funding earning assets | 0.2079% | 3,698 |
| Net interest margin | 3.6382% | 1,528 |
| Noninterest income to average assets | 0.5600% | 1,824 |
| Noninterest expense to average assets | 2.7793% | 1,358 |
| Loan and lease loss provision to assets | -0.0100% | 4,279 |
| Net operating income to assets | 0.9764% | 2,647 |
| Return on assets (ROA) | 0.5281% | 3,995 |
| Pretax return on assets | 0.6519% | 3,945 |
| Return on Equity (ROE) | 4.6100% | 4,076 |
| Retained earnings to average equity (ytd only) | 4.6142% | 3,205 |
| Net charge-offs to loans | 0.0468% | 1,220 |
| Credit loss provision to net charge-offs | -37.5235% | 4,559 |
| Earnings coverage of net charge-offs (x) | 39.3565% | 1,515 |
| Efficiency ratio | 69.9509% | 1,689 |
| Assets per employee ($millions) | 5.8284% | 2,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6919% | 4,218 |
| Loan loss allowance to noncurrent loans | 961.8993% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 3,319 |
| Noncurrent loans to loans | 0.0719% | 3,246 |
| Net loans and leases to total assets | 67.2200% | 1,907 |
| Net loans and leases to deposits | 78.7877% | 1,872 |
| Net loans and leases to core deposits | 82.1703% | 1,994 |
| Total domestic deposits to total assets | 85.3200% | 2,907 |
| Equity capital to assets | 10.4656% | 1,462 |
| Core capital (leverage) ratio | 13.0514% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,756,959,000 | 620 |
| Average earning assets | $1,646,153,200 | 605 |
| Average equity | $201,098,600 | 523 |
| Average total loans | $1,138,005,800 | 607 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7073% | 2,028 |
| Cost of funding earning assets | 0.1398% | 3,940 |
| Net interest margin | 3.5675% | 1,470 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 2.7545% | 1,337 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 1.1879% | 1,743 |
| Return on assets (ROA) | -0.0200% | 4,582 |
| Pretax return on assets | -0.0175% | 4,576 |
| Return on Equity (ROE) | -0.1700% | 4,564 |
| Retained earnings to average equity (ytd only) | -0.1709% | 4,363 |
| Net charge-offs to loans | 0.0043% | 2,044 |
| Credit loss provision to net charge-offs | -555.5556% | 4,701 |
| Earnings coverage of net charge-offs (x) | 427.7778% | 361 |
| Efficiency ratio | 70.0971% | 1,749 |
| Assets per employee ($millions) | 5.7233% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7609% | 4,159 |
| Loan loss allowance to noncurrent loans | 2,203.9604% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,713 |
| Noncurrent loans to loans | 0.0345% | 3,645 |
| Net loans and leases to total assets | 66.7500% | 1,810 |
| Net loans and leases to deposits | 75.7589% | 1,898 |
| Net loans and leases to core deposits | 76.6321% | 2,152 |
| Total domestic deposits to total assets | 88.1000% | 2,396 |
| Equity capital to assets | 10.0861% | 1,574 |
| Core capital (leverage) ratio | 12.6159% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,747,414,750 | 624 |
| Average earning assets | $1,642,932,250 | 610 |
| Average equity | $204,405,500 | 517 |
| Average total loans | $1,118,738,750 | 611 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5547% | 1,978 |
| Cost of funding earning assets | 0.1130% | 4,044 |
| Net interest margin | 3.4417% | 1,476 |
| Noninterest income to average assets | 0.5716% | 1,856 |
| Noninterest expense to average assets | 2.6722% | 1,454 |
| Loan and lease loss provision to assets | 0.0171% | 2,293 |
| Net operating income to assets | 0.9467% | 2,375 |
| Return on assets (ROA) | -0.1261% | 4,593 |
| Pretax return on assets | -0.1499% | 4,589 |
| Return on Equity (ROE) | -1.0306% | 4,591 |
| Retained earnings to average equity (ytd only) | -1.0306% | 4,295 |
| Net charge-offs to loans | 0.0044% | 1,860 |
| Credit loss provision to net charge-offs | 625.0000% | 552 |
| Earnings coverage of net charge-offs (x) | 417.1667% | 304 |
| Efficiency ratio | 70.0177% | 1,954 |
| Assets per employee ($millions) | 5.3845% | 3,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8122% | 4,156 |
| Loan loss allowance to noncurrent loans | 1,785.3565% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 3,684 |
| Noncurrent loans to loans | 0.0455% | 3,605 |
| Net loans and leases to total assets | 65.0652% | 1,806 |
| Net loans and leases to deposits | 74.7247% | 1,784 |
| Net loans and leases to core deposits | 75.5856% | 2,053 |
| Total domestic deposits to total assets | 87.0732% | 2,913 |
| Equity capital to assets | 11.1449% | 1,153 |
| Core capital (leverage) ratio | 12.8447% | 859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,749,921,000 | 620 |
| Average earning assets | $1,649,876,667 | 607 |
| Average equity | $214,045,000 | 502 |
| Average total loans | $1,101,575,667 | 607 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4658% | 1,905 |
| Cost of funding earning assets | 0.1060% | 4,058 |
| Net interest margin | 3.3599% | 1,411 |
| Noninterest income to average assets | 0.5661% | 1,841 |
| Noninterest expense to average assets | 2.5997% | 1,602 |
| Loan and lease loss provision to assets | 0.0171% | 2,046 |
| Net operating income to assets | 0.8833% | 2,346 |
| Return on assets (ROA) | 0.8578% | 2,453 |
| Pretax return on assets | 1.0963% | 2,157 |
| Return on Equity (ROE) | 6.7169% | 3,122 |
| Retained earnings to average equity (ytd only) | 6.7169% | 1,988 |
| Net charge-offs to loans | 0.0007% | 1,819 |
| Credit loss provision to net charge-offs | 3,750.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 2,514.0000% | 21 |
| Efficiency ratio | 69.4086% | 2,311 |
| Assets per employee ($millions) | 5.7865% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 4,137 |
| Loan loss allowance to noncurrent loans | 786.7635% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.0668% | 3,392 |
| Noncurrent loans to loans | 0.1088% | 3,292 |
| Net loans and leases to total assets | 60.8407% | 1,975 |
| Net loans and leases to deposits | 70.6919% | 1,892 |
| Net loans and leases to core deposits | 71.5328% | 2,149 |
| Total domestic deposits to total assets | 86.0646% | 3,238 |
| Equity capital to assets | 12.2908% | 864 |
| Core capital (leverage) ratio | 13.1984% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,755,281,000 | 621 |
| Average earning assets | $1,661,026,000 | 606 |
| Average equity | $224,151,000 | 498 |
| Average total loans | $1,081,923,000 | 612 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6287% | 2,311 |
| Cost of funding earning assets | 0.1212% | 4,210 |
| Net interest margin | 3.5076% | 1,710 |
| Noninterest income to average assets | 0.5363% | 2,412 |
| Noninterest expense to average assets | 2.8022% | 1,357 |
| Loan and lease loss provision to assets | -0.0425% | 4,316 |
| Net operating income to assets | 0.8675% | 3,142 |
| Return on assets (ROA) | 1.5384% | 978 |
| Pretax return on assets | 1.9421% | 675 |
| Return on Equity (ROE) | 11.4463% | 2,003 |
| Retained earnings to average equity (ytd only) | 11.4463% | 627 |
| Net charge-offs to loans | -0.0064% | 3,612 |
| Credit loss provision to net charge-offs | 1,000.0000% | 530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7366% | 1,431 |
| Assets per employee ($millions) | 5.8187% | 2,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8401% | 4,197 |
| Loan loss allowance to noncurrent loans | 186.3025% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.2792% | 2,143 |
| Noncurrent loans to loans | 0.4510% | 2,008 |
| Net loans and leases to total assets | 61.3894% | 2,019 |
| Net loans and leases to deposits | 72.1388% | 1,896 |
| Net loans and leases to core deposits | 72.9609% | 2,169 |
| Total domestic deposits to total assets | 85.0991% | 3,241 |
| Equity capital to assets | 13.2483% | 837 |
| Core capital (leverage) ratio | 13.1554% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,648,796,200 | 633 |
| Average earning assets | $1,558,864,200 | 618 |
| Average equity | $221,600,200 | 495 |
| Average total loans | $1,099,349,600 | 602 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6883% | 2,305 |
| Cost of funding earning assets | 0.1253% | 4,307 |
| Net interest margin | 3.5630% | 1,694 |
| Noninterest income to average assets | 0.5389% | 2,459 |
| Noninterest expense to average assets | 2.7581% | 1,440 |
| Loan and lease loss provision to assets | -0.0329% | 4,404 |
| Net operating income to assets | 0.9195% | 3,179 |
| Return on assets (ROA) | 1.3950% | 1,623 |
| Pretax return on assets | 1.7807% | 1,205 |
| Return on Equity (ROE) | 10.3392% | 2,616 |
| Retained earnings to average equity (ytd only) | 10.3392% | 1,218 |
| Net charge-offs to loans | -0.0052% | 3,444 |
| Credit loss provision to net charge-offs | 930.2326% | 530 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6470% | 1,531 |
| Assets per employee ($millions) | 5.7244% | 2,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 4,225 |
| Loan loss allowance to noncurrent loans | 149.6502% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3675% | 1,973 |
| Noncurrent loans to loans | 0.5824% | 1,856 |
| Net loans and leases to total assets | 62.5528% | 1,933 |
| Net loans and leases to deposits | 73.2597% | 1,932 |
| Net loans and leases to core deposits | 74.1547% | 2,222 |
| Total domestic deposits to total assets | 85.3849% | 2,989 |
| Equity capital to assets | 13.1526% | 940 |
| Core capital (leverage) ratio | 13.1370% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,621,681,750 | 651 |
| Average earning assets | $1,531,590,250 | 632 |
| Average equity | $218,798,750 | 502 |
| Average total loans | $1,102,210,000 | 616 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7661% | 2,154 |
| Cost of funding earning assets | 0.1309% | 4,344 |
| Net interest margin | 3.6352% | 1,511 |
| Noninterest income to average assets | 0.5260% | 2,503 |
| Noninterest expense to average assets | 2.7652% | 1,428 |
| Loan and lease loss provision to assets | -0.0377% | 4,487 |
| Net operating income to assets | 0.9604% | 3,032 |
| Return on assets (ROA) | 1.8604% | 662 |
| Pretax return on assets | 2.3671% | 430 |
| Return on Equity (ROE) | 13.6655% | 1,513 |
| Retained earnings to average equity (ytd only) | 13.6655% | 606 |
| Net charge-offs to loans | 0.0096% | 1,790 |
| Credit loss provision to net charge-offs | -566.0377% | 3,504 |
| Earnings coverage of net charge-offs (x) | 178.7170% | 532 |
| Efficiency ratio | 69.9101% | 1,650 |
| Assets per employee ($millions) | 5.3025% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 4,243 |
| Loan loss allowance to noncurrent loans | 136.3794% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 1,943 |
| Noncurrent loans to loans | 0.6366% | 1,819 |
| Net loans and leases to total assets | 64.9979% | 1,830 |
| Net loans and leases to deposits | 76.5622% | 1,764 |
| Net loans and leases to core deposits | 77.5848% | 2,082 |
| Total domestic deposits to total assets | 84.8956% | 3,139 |
| Equity capital to assets | 13.5423% | 815 |
| Core capital (leverage) ratio | 13.4722% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,591,715,000 | 654 |
| Average earning assets | $1,501,591,000 | 633 |
| Average equity | $216,692,333 | 501 |
| Average total loans | $1,109,595,000 | 609 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8421% | 1,973 |
| Cost of funding earning assets | 0.1431% | 4,353 |
| Net interest margin | 3.6989% | 1,332 |
| Noninterest income to average assets | 0.5673% | 2,339 |
| Noninterest expense to average assets | 2.8483% | 1,264 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9406% | 3,006 |
| Return on assets (ROA) | 1.8783% | 740 |
| Pretax return on assets | 2.3902% | 529 |
| Return on Equity (ROE) | 13.7585% | 1,480 |
| Retained earnings to average equity (ytd only) | 13.7585% | 786 |
| Net charge-offs to loans | 0.0014% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,173.5000% | 76 |
| Efficiency ratio | 70.3005% | 1,663 |
| Assets per employee ($millions) | 5.4121% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8723% | 4,238 |
| Loan loss allowance to noncurrent loans | 131.4755% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 1,994 |
| Noncurrent loans to loans | 0.6635% | 1,914 |
| Net loans and leases to total assets | 69.5090% | 1,356 |
| Net loans and leases to deposits | 81.9223% | 1,343 |
| Net loans and leases to core deposits | 83.2568% | 1,739 |
| Total domestic deposits to total assets | 84.8474% | 3,167 |
| Equity capital to assets | 13.4176% | 809 |
| Core capital (leverage) ratio | 13.5860% | 725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,560,378,500 | 655 |
| Average earning assets | $1,469,823,000 | 639 |
| Average equity | $213,017,500 | 501 |
| Average total loans | $1,122,025,000 | 605 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 2,062 |
| Cost of funding earning assets | 0.2716% | 4,286 |
| Net interest margin | 3.9570% | 1,070 |
| Noninterest income to average assets | 0.6347% | 2,085 |
| Noninterest expense to average assets | 3.1879% | 1,075 |
| Loan and lease loss provision to assets | 0.1379% | 2,636 |
| Net operating income to assets | 0.7302% | 3,335 |
| Return on assets (ROA) | 1.1817% | 1,722 |
| Pretax return on assets | 1.5620% | 1,161 |
| Return on Equity (ROE) | 8.1649% | 2,752 |
| Retained earnings to average equity (ytd only) | 8.1649% | 1,009 |
| Net charge-offs to loans | 0.0139% | 2,848 |
| Credit loss provision to net charge-offs | 1,250.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 102.2566% | 774 |
| Efficiency ratio | 73.8567% | 1,468 |
| Assets per employee ($millions) | 5.2558% | 3,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8688% | 4,275 |
| Loan loss allowance to noncurrent loans | 128.9258% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.4972% | 2,076 |
| Noncurrent loans to loans | 0.6739% | 1,999 |
| Net loans and leases to total assets | 73.1376% | 1,139 |
| Net loans and leases to deposits | 86.7816% | 1,191 |
| Net loans and leases to core deposits | 88.3709% | 1,654 |
| Total domestic deposits to total assets | 84.2778% | 3,020 |
| Equity capital to assets | 13.8968% | 821 |
| Core capital (leverage) ratio | 13.5968% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,377,380,200 | 665 |
| Average earning assets | $1,281,549,000 | 659 |
| Average equity | $199,354,000 | 506 |
| Average total loans | $1,096,696,600 | 583 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2795% | 2,164 |
| Cost of funding earning assets | 0.3020% | 4,311 |
| Net interest margin | 3.9775% | 1,166 |
| Noninterest income to average assets | 0.6635% | 1,927 |
| Noninterest expense to average assets | 3.2437% | 992 |
| Loan and lease loss provision to assets | 0.1666% | 2,333 |
| Net operating income to assets | 0.7354% | 3,335 |
| Return on assets (ROA) | 0.6794% | 3,633 |
| Pretax return on assets | 0.8719% | 3,458 |
| Return on Equity (ROE) | 4.6418% | 3,986 |
| Retained earnings to average equity (ytd only) | 4.6418% | 2,724 |
| Net charge-offs to loans | 0.0248% | 2,338 |
| Credit loss provision to net charge-offs | 825.1232% | 960 |
| Earnings coverage of net charge-offs (x) | 54.9458% | 1,144 |
| Efficiency ratio | 74.5174% | 1,355 |
| Assets per employee ($millions) | 5.1182% | 3,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8285% | 4,288 |
| Loan loss allowance to noncurrent loans | 154.9282% | 2,646 |
| Noncurrent assets plus other real estate owned to assets | 0.4201% | 2,486 |
| Noncurrent loans to loans | 0.5348% | 2,458 |
| Net loans and leases to total assets | 77.9051% | 838 |
| Net loans and leases to deposits | 92.2566% | 1,052 |
| Net loans and leases to core deposits | 94.1824% | 1,626 |
| Total domestic deposits to total assets | 84.4440% | 2,660 |
| Equity capital to assets | 13.8887% | 890 |
| Core capital (leverage) ratio | 13.5669% | 825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,340,678,250 | 665 |
| Average earning assets | $1,243,595,250 | 660 |
| Average equity | $196,239,000 | 505 |
| Average total loans | $1,089,739,500 | 582 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 2,184 |
| Cost of funding earning assets | 0.3470% | 4,282 |
| Net interest margin | 4.0626% | 1,192 |
| Noninterest income to average assets | 0.6818% | 1,805 |
| Noninterest expense to average assets | 3.2955% | 1,006 |
| Loan and lease loss provision to assets | 0.2075% | 1,979 |
| Net operating income to assets | 0.7319% | 3,272 |
| Return on assets (ROA) | 0.2459% | 4,553 |
| Pretax return on assets | 0.3237% | 4,507 |
| Return on Equity (ROE) | 1.6485% | 4,597 |
| Retained earnings to average equity (ytd only) | 1.6485% | 3,890 |
| Net charge-offs to loans | 0.0379% | 1,985 |
| Credit loss provision to net charge-offs | 665.0246% | 1,032 |
| Earnings coverage of net charge-offs (x) | 36.7438% | 1,301 |
| Efficiency ratio | 74.1921% | 1,442 |
| Assets per employee ($millions) | 4.7110% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 4,340 |
| Loan loss allowance to noncurrent loans | 552.6823% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1170% | 3,955 |
| Noncurrent loans to loans | 0.1449% | 3,877 |
| Net loans and leases to total assets | 80.0888% | 586 |
| Net loans and leases to deposits | 94.9931% | 876 |
| Net loans and leases to core deposits | 97.2703% | 1,478 |
| Total domestic deposits to total assets | 84.3100% | 2,632 |
| Equity capital to assets | 13.9367% | 868 |
| Core capital (leverage) ratio | 13.8682% | 782 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,301,340,333 | 669 |
| Average earning assets | $1,204,462,333 | 662 |
| Average equity | $194,121,000 | 509 |
| Average total loans | $1,071,022,667 | 583 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6328% | 1,900 |
| Cost of funding earning assets | 0.4338% | 4,221 |
| Net interest margin | 4.1990% | 926 |
| Noninterest income to average assets | 0.6983% | 1,656 |
| Noninterest expense to average assets | 3.4307% | 1,030 |
| Loan and lease loss provision to assets | 0.1448% | 1,943 |
| Net operating income to assets | 0.7759% | 2,993 |
| Return on assets (ROA) | -2.1522% | 5,044 |
| Pretax return on assets | -2.7118% | 5,049 |
| Return on Equity (ROE) | -13.9065% | 5,028 |
| Retained earnings to average equity (ytd only) | -13.9065% | 4,874 |
| Net charge-offs to loans | 0.0050% | 2,397 |
| Credit loss provision to net charge-offs | 3,461.5385% | 227 |
| Earnings coverage of net charge-offs (x) | 272.3846% | 260 |
| Efficiency ratio | 75.0669% | 1,679 |
| Assets per employee ($millions) | 4.2768% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8124% | 4,382 |
| Loan loss allowance to noncurrent loans | 446.6209% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 3,893 |
| Noncurrent loans to loans | 0.1819% | 3,822 |
| Net loans and leases to total assets | 82.6999% | 379 |
| Net loans and leases to deposits | 99.6000% | 583 |
| Net loans and leases to core deposits | 102.2247% | 1,302 |
| Total domestic deposits to total assets | 83.0321% | 3,100 |
| Equity capital to assets | 15.1835% | 726 |
| Core capital (leverage) ratio | 14.6834% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,243,009,000 | 667 |
| Average earning assets | $1,146,166,000 | 665 |
| Average equity | $192,370,000 | 514 |
| Average total loans | $1,034,119,000 | 581 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 2,043 |
| Cost of funding earning assets | 0.4963% | 4,110 |
| Net interest margin | 4.3026% | 1,084 |
| Noninterest income to average assets | 0.6562% | 1,981 |
| Noninterest expense to average assets | 3.3791% | 1,152 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9803% | 2,913 |
| Return on assets (ROA) | 1.6827% | 733 |
| Pretax return on assets | 2.1064% | 470 |
| Return on Equity (ROE) | 11.1118% | 1,838 |
| Retained earnings to average equity (ytd only) | 11.1118% | 320 |
| Net charge-offs to loans | 0.0292% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 51.0510% | 1,112 |
| Efficiency ratio | 73.3387% | 1,681 |
| Assets per employee ($millions) | 4.1517% | 3,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 4,363 |
| Loan loss allowance to noncurrent loans | 457.3546% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1418% | 3,929 |
| Noncurrent loans to loans | 0.1708% | 3,849 |
| Net loans and leases to total assets | 82.3622% | 508 |
| Net loans and leases to deposits | 100.8114% | 537 |
| Net loans and leases to core deposits | 103.6240% | 1,255 |
| Total domestic deposits to total assets | 81.6993% | 3,590 |
| Equity capital to assets | 15.7715% | 643 |
| Core capital (leverage) ratio | 15.2359% | 641 |
| Tier 1 risk-based capital ratio | 16.8735% | 2,092 |
| Total risk-based capital ratio | 17.6178% | 2,212 |
| Memoranda: | ||
| Average total assets | $1,221,818,400 | 649 |
| Average earning assets | $1,122,065,800 | 647 |
| Average equity | $185,019,600 | 502 |
| Average total loans | $1,007,074,000 | 570 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8053% | 2,102 |
| Cost of funding earning assets | 0.5043% | 4,122 |
| Net interest margin | 4.3010% | 1,164 |
| Noninterest income to average assets | 0.6697% | 1,916 |
| Noninterest expense to average assets | 3.3027% | 1,261 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0162% | 2,920 |
| Return on assets (ROA) | 1.6418% | 887 |
| Pretax return on assets | 2.1037% | 542 |
| Return on Equity (ROE) | 10.9576% | 2,033 |
| Retained earnings to average equity (ytd only) | 10.9576% | 534 |
| Net charge-offs to loans | 0.0172% | 2,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 92.8891% | 788 |
| Efficiency ratio | 71.5726% | 1,892 |
| Assets per employee ($millions) | 4.3530% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8060% | 4,393 |
| Loan loss allowance to noncurrent loans | 396.4649% | 1,186 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 3,910 |
| Noncurrent loans to loans | 0.2033% | 3,813 |
| Net loans and leases to total assets | 81.2169% | 677 |
| Net loans and leases to deposits | 99.1066% | 714 |
| Net loans and leases to core deposits | 101.6938% | 1,531 |
| Total domestic deposits to total assets | 81.9490% | 3,486 |
| Equity capital to assets | 15.3197% | 770 |
| Core capital (leverage) ratio | 15.0156% | 734 |
| Tier 1 risk-based capital ratio | 16.4974% | 2,269 |
| Total risk-based capital ratio | 17.2622% | 2,367 |
| Memoranda: | ||
| Average total assets | $1,217,972,000 | 650 |
| Average earning assets | $1,117,067,250 | 654 |
| Average equity | $182,493,000 | 512 |
| Average total loans | $1,002,089,750 | 575 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 2,051 |
| Cost of funding earning assets | 0.5197% | 4,036 |
| Net interest margin | 4.2830% | 1,179 |
| Noninterest income to average assets | 0.6530% | 1,907 |
| Noninterest expense to average assets | 3.3164% | 1,254 |
| Loan and lease loss provision to assets | 0.0248% | 3,310 |
| Net operating income to assets | 0.9605% | 3,058 |
| Return on assets (ROA) | 1.7576% | 681 |
| Pretax return on assets | 2.2465% | 400 |
| Return on Equity (ROE) | 11.8208% | 1,653 |
| Retained earnings to average equity (ytd only) | 11.8208% | 427 |
| Net charge-offs to loans | 0.0172% | 2,537 |
| Credit loss provision to net charge-offs | 174.4186% | 1,340 |
| Earnings coverage of net charge-offs (x) | 88.8372% | 753 |
| Efficiency ratio | 72.4297% | 1,858 |
| Assets per employee ($millions) | 3.9613% | 3,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 4,309 |
| Loan loss allowance to noncurrent loans | 326.3240% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 3,732 |
| Noncurrent loans to loans | 0.2571% | 3,611 |
| Net loans and leases to total assets | 81.4356% | 681 |
| Net loans and leases to deposits | 101.1280% | 601 |
| Net loans and leases to core deposits | 103.6656% | 1,415 |
| Total domestic deposits to total assets | 80.5272% | 3,928 |
| Equity capital to assets | 15.2564% | 751 |
| Core capital (leverage) ratio | 14.8188% | 748 |
| Tier 1 risk-based capital ratio | 16.4429% | 2,264 |
| Total risk-based capital ratio | 17.2416% | 2,358 |
| Memoranda: | ||
| Average total assets | $1,210,425,330 | 655 |
| Average earning assets | $1,109,452,330 | 654 |
| Average equity | $179,971,330 | 515 |
| Average total loans | $997,528,670 | 576 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7715% | 1,984 |
| Cost of funding earning assets | 0.5257% | 3,943 |
| Net interest margin | 4.2458% | 1,210 |
| Noninterest income to average assets | 0.6304% | 1,909 |
| Noninterest expense to average assets | 3.2783% | 1,331 |
| Loan and lease loss provision to assets | 0.0497% | 2,663 |
| Net operating income to assets | 0.9240% | 3,146 |
| Return on assets (ROA) | 2.1296% | 320 |
| Pretax return on assets | 2.7182% | 177 |
| Return on Equity (ROE) | 14.5134% | 853 |
| Retained earnings to average equity (ytd only) | 14.5134% | 312 |
| Net charge-offs to loans | 0.0092% | 2,364 |
| Credit loss provision to net charge-offs | 652.1739% | 511 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 468 |
| Efficiency ratio | 72.5267% | 1,956 |
| Assets per employee ($millions) | 4.2086% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8472% | 4,356 |
| Loan loss allowance to noncurrent loans | 280.9651% | 1,664 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,621 |
| Noncurrent loans to loans | 0.3015% | 3,482 |
| Net loans and leases to total assets | 81.8051% | 613 |
| Net loans and leases to deposits | 102.2120% | 485 |
| Net loans and leases to core deposits | 104.9146% | 1,253 |
| Total domestic deposits to total assets | 80.0347% | 4,172 |
| Equity capital to assets | 14.9560% | 761 |
| Core capital (leverage) ratio | 14.5148% | 813 |
| Tier 1 risk-based capital ratio | 16.0010% | 2,437 |
| Total risk-based capital ratio | 16.8030% | 2,547 |
| Memoranda: | ||
| Average total assets | $1,207,573,500 | 661 |
| Average earning assets | $1,106,317,500 | 659 |
| Average equity | $177,188,500 | 517 |
| Average total loans | $996,922,000 | 578 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6285% | 2,055 |
| Cost of funding earning assets | 0.3220% | 4,454 |
| Net interest margin | 4.3065% | 1,136 |
| Noninterest income to average assets | 0.7090% | 1,819 |
| Noninterest expense to average assets | 3.4371% | 1,091 |
| Loan and lease loss provision to assets | 0.0467% | 3,251 |
| Net operating income to assets | 0.9362% | 3,300 |
| Return on assets (ROA) | 1.1832% | 2,246 |
| Pretax return on assets | 1.4605% | 1,912 |
| Return on Equity (ROE) | 8.2077% | 3,352 |
| Retained earnings to average equity (ytd only) | 8.2077% | 1,153 |
| Net charge-offs to loans | 0.0271% | 2,869 |
| Credit loss provision to net charge-offs | 210.7280% | 1,374 |
| Earnings coverage of net charge-offs (x) | 54.2490% | 1,088 |
| Efficiency ratio | 74.0849% | 1,617 |
| Assets per employee ($millions) | 4.1345% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8338% | 4,424 |
| Loan loss allowance to noncurrent loans | 202.7798% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3397% | 3,194 |
| Noncurrent loans to loans | 0.4112% | 3,060 |
| Net loans and leases to total assets | 81.9187% | 663 |
| Net loans and leases to deposits | 102.3842% | 566 |
| Net loans and leases to core deposits | 104.9908% | 1,344 |
| Total domestic deposits to total assets | 80.0111% | 4,106 |
| Equity capital to assets | 14.3901% | 869 |
| Core capital (leverage) ratio | 14.0086% | 919 |
| Tier 1 risk-based capital ratio | 15.6226% | 2,570 |
| Total risk-based capital ratio | 16.4237% | 2,685 |
| Memoranda: | ||
| Average total assets | $1,177,642,400 | 650 |
| Average earning assets | $1,074,804,800 | 657 |
| Average equity | $169,767,600 | 513 |
| Average total loans | $963,960,600 | 578 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5829% | 2,028 |
| Cost of funding earning assets | 0.2966% | 4,545 |
| Net interest margin | 4.2863% | 1,147 |
| Noninterest income to average assets | 0.7161% | 1,807 |
| Noninterest expense to average assets | 3.3623% | 1,172 |
| Loan and lease loss provision to assets | 0.0427% | 3,134 |
| Net operating income to assets | 0.9542% | 3,290 |
| Return on assets (ROA) | 1.2781% | 1,936 |
| Pretax return on assets | 1.6317% | 1,486 |
| Return on Equity (ROE) | 8.8619% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.8619% | 1,278 |
| Net charge-offs to loans | 0.0261% | 2,594 |
| Credit loss provision to net charge-offs | 200.5348% | 1,376 |
| Earnings coverage of net charge-offs (x) | 59.3416% | 1,067 |
| Efficiency ratio | 72.6729% | 1,783 |
| Assets per employee ($millions) | 4.0684% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 4,519 |
| Loan loss allowance to noncurrent loans | 181.6272% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 0.3794% | 3,171 |
| Noncurrent loans to loans | 0.4576% | 3,013 |
| Net loans and leases to total assets | 82.2251% | 674 |
| Net loans and leases to deposits | 100.0695% | 779 |
| Net loans and leases to core deposits | 102.1830% | 1,598 |
| Total domestic deposits to total assets | 82.1680% | 3,558 |
| Equity capital to assets | 14.6195% | 799 |
| Core capital (leverage) ratio | 14.1918% | 888 |
| Tier 1 risk-based capital ratio | 15.6557% | 2,582 |
| Total risk-based capital ratio | 16.5624% | 2,658 |
| Memoranda: | ||
| Average total assets | $1,170,233,750 | 649 |
| Average earning assets | $1,067,642,250 | 660 |
| Average equity | $168,777,500 | 511 |
| Average total loans | $955,625,250 | 579 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5109% | 2,063 |
| Cost of funding earning assets | 0.2838% | 4,540 |
| Net interest margin | 4.2271% | 1,217 |
| Noninterest income to average assets | 0.7139% | 1,821 |
| Noninterest expense to average assets | 3.2957% | 1,331 |
| Loan and lease loss provision to assets | 0.0258% | 3,402 |
| Net operating income to assets | 0.9792% | 3,109 |
| Return on assets (ROA) | 1.2288% | 2,066 |
| Pretax return on assets | 1.5631% | 1,627 |
| Return on Equity (ROE) | 8.5596% | 3,225 |
| Retained earnings to average equity (ytd only) | 8.5596% | 1,370 |
| Net charge-offs to loans | -0.0076% | 4,221 |
| Credit loss provision to net charge-offs | -416.6667% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1373% | 1,983 |
| Assets per employee ($millions) | 3.8525% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8512% | 4,548 |
| Loan loss allowance to noncurrent loans | 248.5775% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.2812% | 3,649 |
| Noncurrent loans to loans | 0.3424% | 3,472 |
| Net loans and leases to total assets | 81.4156% | 784 |
| Net loans and leases to deposits | 98.7204% | 907 |
| Net loans and leases to core deposits | 100.9477% | 1,654 |
| Total domestic deposits to total assets | 82.4709% | 3,571 |
| Equity capital to assets | 14.4333% | 823 |
| Core capital (leverage) ratio | 14.0432% | 904 |
| Tier 1 risk-based capital ratio | 15.1796% | 2,788 |
| Total risk-based capital ratio | 16.0224% | 2,909 |
| Memoranda: | ||
| Average total assets | $1,162,963,000 | 659 |
| Average earning assets | $1,060,549,670 | 660 |
| Average equity | $166,946,330 | 515 |
| Average total loans | $944,708,330 | 587 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4382% | 2,059 |
| Cost of funding earning assets | 0.2687% | 4,589 |
| Net interest margin | 4.1695% | 1,245 |
| Noninterest income to average assets | 0.6704% | 1,958 |
| Noninterest expense to average assets | 3.2859% | 1,373 |
| Loan and lease loss provision to assets | 0.0259% | 3,179 |
| Net operating income to assets | 0.9097% | 3,250 |
| Return on assets (ROA) | 1.0438% | 2,694 |
| Pretax return on assets | 1.3321% | 2,242 |
| Return on Equity (ROE) | 7.2912% | 3,668 |
| Retained earnings to average equity (ytd only) | 7.2912% | 2,153 |
| Net charge-offs to loans | 0.0372% | 1,777 |
| Credit loss provision to net charge-offs | 86.2069% | 1,690 |
| Earnings coverage of net charge-offs (x) | 39.5057% | 1,073 |
| Efficiency ratio | 73.4410% | 1,976 |
| Assets per employee ($millions) | 4.1099% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 4,636 |
| Loan loss allowance to noncurrent loans | 301.5425% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 3,975 |
| Noncurrent loans to loans | 0.2820% | 3,761 |
| Net loans and leases to total assets | 79.2248% | 1,047 |
| Net loans and leases to deposits | 96.1862% | 1,019 |
| Net loans and leases to core deposits | 103.4252% | 1,421 |
| Total domestic deposits to total assets | 82.3661% | 3,855 |
| Equity capital to assets | 14.0867% | 865 |
| Core capital (leverage) ratio | 13.9806% | 883 |
| Tier 1 risk-based capital ratio | 15.2760% | 2,750 |
| Total risk-based capital ratio | 16.1540% | 2,847 |
| Memoranda: | ||
| Average total assets | $1,156,943,000 | 664 |
| Average earning assets | $1,055,478,000 | 668 |
| Average equity | $165,623,500 | 521 |
| Average total loans | $934,638,000 | 597 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 1,904 |
| Cost of funding earning assets | 0.2542% | 4,526 |
| Net interest margin | 4.1892% | 1,213 |
| Noninterest income to average assets | 0.7222% | 1,875 |
| Noninterest expense to average assets | 3.7750% | 716 |
| Loan and lease loss provision to assets | 0.0202% | 3,895 |
| Net operating income to assets | 0.5401% | 4,258 |
| Return on assets (ROA) | 0.7812% | 3,286 |
| Pretax return on assets | 1.0416% | 3,412 |
| Return on Equity (ROE) | 5.4634% | 3,982 |
| Retained earnings to average equity (ytd only) | 5.4634% | 1,835 |
| Net charge-offs to loans | 0.0562% | 2,684 |
| Credit loss provision to net charge-offs | 44.3787% | 3,397 |
| Earnings coverage of net charge-offs (x) | 16.2446% | 2,194 |
| Efficiency ratio | 83.6015% | 803 |
| Assets per employee ($millions) | 3.9524% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8661% | 4,607 |
| Loan loss allowance to noncurrent loans | 286.4739% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 3,885 |
| Noncurrent loans to loans | 0.3023% | 3,698 |
| Net loans and leases to total assets | 80.9934% | 835 |
| Net loans and leases to deposits | 99.5221% | 771 |
| Net loans and leases to core deposits | 104.8470% | 1,353 |
| Total domestic deposits to total assets | 81.3824% | 4,027 |
| Equity capital to assets | 14.5537% | 768 |
| Core capital (leverage) ratio | 13.7706% | 897 |
| Tier 1 risk-based capital ratio | 14.3801% | 3,153 |
| Total risk-based capital ratio | 15.2985% | 3,234 |
| Memoranda: | ||
| Average total assets | $1,112,277,000 | 666 |
| Average earning assets | $1,007,136,600 | 673 |
| Average equity | $159,039,000 | 522 |
| Average total loans | $902,406,200 | 586 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4265% | 1,868 |
| Cost of funding earning assets | 0.2553% | 4,517 |
| Net interest margin | 4.1713% | 1,226 |
| Noninterest income to average assets | 0.7410% | 1,826 |
| Noninterest expense to average assets | 3.3408% | 1,262 |
| Loan and lease loss provision to assets | 0.0060% | 4,002 |
| Net operating income to assets | 0.7598% | 3,697 |
| Return on assets (ROA) | 0.9921% | 2,641 |
| Pretax return on assets | 1.5233% | 1,694 |
| Return on Equity (ROE) | 6.9701% | 3,677 |
| Retained earnings to average equity (ytd only) | 6.9701% | 1,706 |
| Net charge-offs to loans | 0.0460% | 2,522 |
| Credit loss provision to net charge-offs | 16.1812% | 3,183 |
| Earnings coverage of net charge-offs (x) | 31.4854% | 1,506 |
| Efficiency ratio | 74.0290% | 1,885 |
| Assets per employee ($millions) | 3.9716% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,629 |
| Loan loss allowance to noncurrent loans | 301.0471% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 4,113 |
| Noncurrent loans to loans | 0.2938% | 3,890 |
| Net loans and leases to total assets | 79.6983% | 1,029 |
| Net loans and leases to deposits | 97.6610% | 952 |
| Net loans and leases to core deposits | 102.2867% | 1,525 |
| Total domestic deposits to total assets | 81.6072% | 3,893 |
| Equity capital to assets | 14.3027% | 913 |
| Core capital (leverage) ratio | 14.0250% | 885 |
| Tier 1 risk-based capital ratio | 14.3527% | 3,264 |
| Total risk-based capital ratio | 15.2301% | 3,371 |
| Memoranda: | ||
| Average total assets | $1,106,760,000 | 671 |
| Average earning assets | $1,000,785,250 | 678 |
| Average equity | $157,526,500 | 527 |
| Average total loans | $896,314,750 | 592 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 1,844 |
| Cost of funding earning assets | 0.2525% | 4,520 |
| Net interest margin | 4.1384% | 1,225 |
| Noninterest income to average assets | 0.7924% | 1,600 |
| Noninterest expense to average assets | 3.3635% | 1,246 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7667% | 3,560 |
| Return on assets (ROA) | 1.0809% | 2,125 |
| Pretax return on assets | 1.6581% | 1,166 |
| Return on Equity (ROE) | 7.6068% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.6068% | 1,311 |
| Net charge-offs to loans | 0.0043% | 3,338 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 339.5789% | 251 |
| Efficiency ratio | 74.1133% | 1,991 |
| Assets per employee ($millions) | 3.7241% | 4,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9123% | 4,586 |
| Loan loss allowance to noncurrent loans | 328.4469% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 4,236 |
| Noncurrent loans to loans | 0.2778% | 4,046 |
| Net loans and leases to total assets | 81.1350% | 797 |
| Net loans and leases to deposits | 100.4415% | 707 |
| Net loans and leases to core deposits | 106.1058% | 1,225 |
| Total domestic deposits to total assets | 80.7784% | 4,241 |
| Equity capital to assets | 14.3076% | 879 |
| Core capital (leverage) ratio | 14.1047% | 834 |
| Tier 1 risk-based capital ratio | 14.3603% | 3,235 |
| Total risk-based capital ratio | 15.2231% | 3,359 |
| Memoranda: | ||
| Average total assets | $1,098,381,000 | 680 |
| Average earning assets | $994,205,000 | 688 |
| Average equity | $156,071,330 | 531 |
| Average total loans | $891,702,000 | 602 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3804% | 1,715 |
| Cost of funding earning assets | 0.2462% | 4,567 |
| Net interest margin | 4.1342% | 1,134 |
| Noninterest income to average assets | 0.7863% | 1,605 |
| Noninterest expense to average assets | 3.3851% | 1,230 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7557% | 3,451 |
| Return on assets (ROA) | 1.3658% | 1,111 |
| Pretax return on assets | 2.0888% | 416 |
| Return on Equity (ROE) | 9.6461% | 2,123 |
| Retained earnings to average equity (ytd only) | 9.6461% | 893 |
| Net charge-offs to loans | 0.0005% | 2,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 3,142.0000% | 8 |
| Efficiency ratio | 74.6388% | 2,116 |
| Assets per employee ($millions) | 3.9167% | 4,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9396% | 4,607 |
| Loan loss allowance to noncurrent loans | 396.3740% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 4,396 |
| Noncurrent loans to loans | 0.2370% | 4,264 |
| Net loans and leases to total assets | 80.1553% | 812 |
| Net loans and leases to deposits | 97.6512% | 800 |
| Net loans and leases to core deposits | 103.7224% | 1,240 |
| Total domestic deposits to total assets | 82.0832% | 4,149 |
| Equity capital to assets | 14.3112% | 810 |
| Core capital (leverage) ratio | 13.9963% | 845 |
| Tier 1 risk-based capital ratio | 14.4285% | 3,240 |
| Total risk-based capital ratio | 15.3025% | 3,361 |
| Memoranda: | ||
| Average total assets | $1,092,683,500 | 686 |
| Average earning assets | $990,866,500 | 694 |
| Average equity | $154,716,000 | 532 |
| Average total loans | $883,199,500 | 605 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 1,966 |
| Cost of funding earning assets | 0.2637% | 4,428 |
| Net interest margin | 4.0923% | 1,396 |
| Noninterest income to average assets | 0.7598% | 1,920 |
| Noninterest expense to average assets | 3.4029% | 1,351 |
| Loan and lease loss provision to assets | 0.0047% | 4,261 |
| Net operating income to assets | 0.7636% | 3,477 |
| Return on assets (ROA) | 0.9655% | 2,613 |
| Pretax return on assets | 1.3335% | 2,167 |
| Return on Equity (ROE) | 7.0172% | 3,455 |
| Retained earnings to average equity (ytd only) | 7.0172% | 1,223 |
| Net charge-offs to loans | 0.0273% | 3,489 |
| Credit loss provision to net charge-offs | 21.4592% | 3,665 |
| Earnings coverage of net charge-offs (x) | 48.3219% | 1,029 |
| Efficiency ratio | 76.2859% | 1,939 |
| Assets per employee ($millions) | 3.9302% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 4,616 |
| Loan loss allowance to noncurrent loans | 401.9836% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.2163% | 4,447 |
| Noncurrent loans to loans | 0.2343% | 4,312 |
| Net loans and leases to total assets | 79.9809% | 896 |
| Net loans and leases to deposits | 97.0817% | 903 |
| Net loans and leases to core deposits | 103.5387% | 1,318 |
| Total domestic deposits to total assets | 82.3852% | 3,965 |
| Equity capital to assets | 14.0074% | 885 |
| Core capital (leverage) ratio | 13.5417% | 961 |
| Tier 1 risk-based capital ratio | 13.7761% | 3,595 |
| Total risk-based capital ratio | 14.6326% | 3,745 |
| Memoranda: | ||
| Average total assets | $1,064,351,000 | 678 |
| Average earning assets | $962,568,600 | 683 |
| Average equity | $146,440,800 | 539 |
| Average total loans | $853,664,600 | 593 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3437% | 2,021 |
| Cost of funding earning assets | 0.2671% | 4,423 |
| Net interest margin | 4.0766% | 1,457 |
| Noninterest income to average assets | 0.7666% | 1,906 |
| Noninterest expense to average assets | 3.3940% | 1,354 |
| Loan and lease loss provision to assets | 0.0063% | 4,102 |
| Net operating income to assets | 0.7056% | 3,811 |
| Return on assets (ROA) | 0.8858% | 3,111 |
| Pretax return on assets | 1.3183% | 2,353 |
| Return on Equity (ROE) | 6.4681% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.4681% | 1,931 |
| Net charge-offs to loans | 0.0391% | 2,851 |
| Credit loss provision to net charge-offs | 20.1613% | 3,299 |
| Earnings coverage of net charge-offs (x) | 33.7579% | 1,383 |
| Efficiency ratio | 76.2739% | 1,939 |
| Assets per employee ($millions) | 3.9280% | 4,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9488% | 4,670 |
| Loan loss allowance to noncurrent loans | 279.5416% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 4,234 |
| Noncurrent loans to loans | 0.3394% | 4,043 |
| Net loans and leases to total assets | 79.0100% | 1,036 |
| Net loans and leases to deposits | 95.5271% | 1,095 |
| Net loans and leases to core deposits | 102.3397% | 1,459 |
| Total domestic deposits to total assets | 82.7095% | 3,707 |
| Equity capital to assets | 13.5813% | 1,203 |
| Core capital (leverage) ratio | 13.4369% | 1,024 |
| Tier 1 risk-based capital ratio | 13.4459% | 3,894 |
| Total risk-based capital ratio | 14.2909% | 4,049 |
| Memoranda: | ||
| Average total assets | $1,057,287,750 | 682 |
| Average earning assets | $955,255,250 | 694 |
| Average equity | $144,789,750 | 549 |
| Average total loans | $846,534,750 | 592 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3485% | 1,988 |
| Cost of funding earning assets | 0.2723% | 4,419 |
| Net interest margin | 4.0762% | 1,428 |
| Noninterest income to average assets | 0.7549% | 1,908 |
| Noninterest expense to average assets | 3.4482% | 1,268 |
| Loan and lease loss provision to assets | 0.0096% | 3,900 |
| Net operating income to assets | 0.6588% | 4,002 |
| Return on assets (ROA) | 0.7336% | 3,797 |
| Pretax return on assets | 1.0898% | 3,240 |
| Return on Equity (ROE) | 5.3416% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.3416% | 2,523 |
| Net charge-offs to loans | 0.0662% | 2,246 |
| Credit loss provision to net charge-offs | 18.0505% | 2,943 |
| Earnings coverage of net charge-offs (x) | 18.6209% | 1,814 |
| Efficiency ratio | 77.7336% | 1,832 |
| Assets per employee ($millions) | 3.6451% | 4,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9691% | 4,676 |
| Loan loss allowance to noncurrent loans | 206.3670% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 3,880 |
| Noncurrent loans to loans | 0.4696% | 3,679 |
| Net loans and leases to total assets | 79.6266% | 967 |
| Net loans and leases to deposits | 96.4736% | 1,030 |
| Net loans and leases to core deposits | 103.4322% | 1,370 |
| Total domestic deposits to total assets | 82.5372% | 3,818 |
| Equity capital to assets | 13.7879% | 1,101 |
| Core capital (leverage) ratio | 13.4477% | 1,003 |
| Tier 1 risk-based capital ratio | 13.3107% | 4,013 |
| Total risk-based capital ratio | 14.1941% | 4,145 |
| Memoranda: | ||
| Average total assets | $1,044,414,330 | 691 |
| Average earning assets | $943,175,670 | 703 |
| Average equity | $143,440,000 | 555 |
| Average total loans | $837,322,670 | 589 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3448% | 1,979 |
| Cost of funding earning assets | 0.2730% | 4,467 |
| Net interest margin | 4.0719% | 1,422 |
| Noninterest income to average assets | 0.7214% | 1,930 |
| Noninterest expense to average assets | 3.3760% | 1,431 |
| Loan and lease loss provision to assets | 0.0193% | 3,437 |
| Net operating income to assets | 0.6758% | 3,844 |
| Return on assets (ROA) | 0.7172% | 3,741 |
| Pretax return on assets | 1.0673% | 3,212 |
| Return on Equity (ROE) | 5.2326% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.2326% | 2,796 |
| Net charge-offs to loans | 0.0506% | 2,027 |
| Credit loss provision to net charge-offs | 47.6190% | 2,070 |
| Earnings coverage of net charge-offs (x) | 25.2857% | 1,300 |
| Efficiency ratio | 76.7126% | 2,081 |
| Assets per employee ($millions) | 3.8225% | 4,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 4,529 |
| Loan loss allowance to noncurrent loans | 178.2214% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5188% | 3,523 |
| Noncurrent loans to loans | 0.5688% | 3,485 |
| Net loans and leases to total assets | 78.6572% | 1,000 |
| Net loans and leases to deposits | 95.1951% | 1,024 |
| Net loans and leases to core deposits | 101.9934% | 1,338 |
| Total domestic deposits to total assets | 82.6274% | 4,026 |
| Equity capital to assets | 13.6984% | 1,090 |
| Core capital (leverage) ratio | 13.5554% | 963 |
| Tier 1 risk-based capital ratio | 13.5793% | 3,934 |
| Total risk-based capital ratio | 14.4675% | 4,064 |
| Memoranda: | ||
| Average total assets | $1,036,254,000 | 698 |
| Average earning assets | $936,373,000 | 705 |
| Average equity | $142,033,500 | 557 |
| Average total loans | $829,538,000 | 594 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4133% | 1,857 |
| Cost of funding earning assets | 0.2955% | 4,304 |
| Net interest margin | 4.1178% | 1,368 |
| Noninterest income to average assets | 0.8256% | 1,690 |
| Noninterest expense to average assets | 3.4759% | 1,340 |
| Loan and lease loss provision to assets | 0.0370% | 3,609 |
| Net operating income to assets | 0.7425% | 3,608 |
| Return on assets (ROA) | 0.9084% | 2,903 |
| Pretax return on assets | 1.2551% | 2,452 |
| Return on Equity (ROE) | 6.7919% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.7919% | 1,380 |
| Net charge-offs to loans | 0.0700% | 2,844 |
| Credit loss provision to net charge-offs | 65.9051% | 3,185 |
| Earnings coverage of net charge-offs (x) | 18.9332% | 1,980 |
| Efficiency ratio | 76.6018% | 2,178 |
| Assets per employee ($millions) | 3.6612% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 4,455 |
| Loan loss allowance to noncurrent loans | 192.3443% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5112% | 3,593 |
| Noncurrent loans to loans | 0.5340% | 3,566 |
| Net loans and leases to total assets | 79.8248% | 868 |
| Net loans and leases to deposits | 96.7326% | 935 |
| Net loans and leases to core deposits | 104.0423% | 1,219 |
| Total domestic deposits to total assets | 82.5211% | 4,013 |
| Equity capital to assets | 13.7146% | 1,034 |
| Core capital (leverage) ratio | 13.3065% | 1,037 |
| Tier 1 risk-based capital ratio | 13.5944% | 3,955 |
| Total risk-based capital ratio | 14.4589% | 4,095 |
| Memoranda: | ||
| Average total assets | $1,014,680,400 | 680 |
| Average earning assets | $914,687,600 | 690 |
| Average equity | $135,705,200 | 556 |
| Average total loans | $813,191,200 | 578 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3950% | 1,933 |
| Cost of funding earning assets | 0.3028% | 4,311 |
| Net interest margin | 4.0922% | 1,427 |
| Noninterest income to average assets | 0.8281% | 1,695 |
| Noninterest expense to average assets | 3.4768% | 1,327 |
| Loan and lease loss provision to assets | 0.0494% | 3,225 |
| Net operating income to assets | 0.6521% | 4,121 |
| Return on assets (ROA) | 0.8554% | 3,238 |
| Pretax return on assets | 1.2937% | 2,424 |
| Return on Equity (ROE) | 6.4373% | 3,940 |
| Retained earnings to average equity (ytd only) | 6.4373% | 1,998 |
| Net charge-offs to loans | 0.0803% | 2,409 |
| Credit loss provision to net charge-offs | 76.8443% | 2,663 |
| Earnings coverage of net charge-offs (x) | 16.1004% | 2,140 |
| Efficiency ratio | 77.0585% | 2,082 |
| Assets per employee ($millions) | 3.7763% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 4,573 |
| Loan loss allowance to noncurrent loans | 161.6327% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.6065% | 3,452 |
| Noncurrent loans to loans | 0.6383% | 3,406 |
| Net loans and leases to total assets | 79.4841% | 886 |
| Net loans and leases to deposits | 96.0685% | 997 |
| Net loans and leases to core deposits | 103.8353% | 1,243 |
| Total domestic deposits to total assets | 82.7369% | 3,904 |
| Equity capital to assets | 13.0971% | 1,397 |
| Core capital (leverage) ratio | 12.9595% | 1,214 |
| Tier 1 risk-based capital ratio | 13.1146% | 4,370 |
| Total risk-based capital ratio | 13.9812% | 4,498 |
| Memoranda: | ||
| Average total assets | $1,012,065,250 | 685 |
| Average earning assets | $911,052,000 | 695 |
| Average equity | $134,483,000 | 566 |
| Average total loans | $809,786,750 | 580 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4028% | 1,842 |
| Cost of funding earning assets | 0.3122% | 4,255 |
| Net interest margin | 4.0906% | 1,376 |
| Noninterest income to average assets | 0.7823% | 1,856 |
| Noninterest expense to average assets | 3.5235% | 1,261 |
| Loan and lease loss provision to assets | 0.0747% | 2,623 |
| Net operating income to assets | 0.5664% | 4,492 |
| Return on assets (ROA) | 0.7753% | 3,618 |
| Pretax return on assets | 1.1793% | 2,862 |
| Return on Equity (ROE) | 5.8059% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.8059% | 2,357 |
| Net charge-offs to loans | 0.0937% | 2,087 |
| Credit loss provision to net charge-offs | 99.7340% | 2,082 |
| Earnings coverage of net charge-offs (x) | 12.5213% | 2,193 |
| Efficiency ratio | 78.9868% | 1,919 |
| Assets per employee ($millions) | 3.5373% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 4,492 |
| Loan loss allowance to noncurrent loans | 148.1576% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 3,352 |
| Noncurrent loans to loans | 0.7218% | 3,319 |
| Net loans and leases to total assets | 78.3226% | 1,028 |
| Net loans and leases to deposits | 94.6537% | 1,084 |
| Net loans and leases to core deposits | 102.9853% | 1,268 |
| Total domestic deposits to total assets | 82.7465% | 4,049 |
| Equity capital to assets | 13.1862% | 1,306 |
| Core capital (leverage) ratio | 13.1767% | 1,102 |
| Tier 1 risk-based capital ratio | 13.3734% | 4,295 |
| Total risk-based capital ratio | 14.3749% | 4,357 |
| Memoranda: | ||
| Average total assets | $1,004,521,000 | 693 |
| Average earning assets | $903,336,000 | 703 |
| Average equity | $134,139,000 | 563 |
| Average total loans | $802,718,000 | 581 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 1,633 |
| Cost of funding earning assets | 0.3248% | 4,166 |
| Net interest margin | 4.1165% | 1,238 |
| Noninterest income to average assets | 0.7104% | 2,127 |
| Noninterest expense to average assets | 3.4841% | 1,350 |
| Loan and lease loss provision to assets | 0.0757% | 2,441 |
| Net operating income to assets | 0.5555% | 4,460 |
| Return on assets (ROA) | 0.8854% | 2,943 |
| Pretax return on assets | 1.3483% | 2,084 |
| Return on Equity (ROE) | 6.5880% | 3,720 |
| Retained earnings to average equity (ytd only) | 6.5880% | 2,198 |
| Net charge-offs to loans | 0.0160% | 2,848 |
| Credit loss provision to net charge-offs | 587.5000% | 483 |
| Earnings coverage of net charge-offs (x) | 71.7500% | 635 |
| Efficiency ratio | 79.0377% | 2,033 |
| Assets per employee ($millions) | 3.6661% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 4,445 |
| Loan loss allowance to noncurrent loans | 114.4595% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.8558% | 2,938 |
| Noncurrent loans to loans | 0.9719% | 2,827 |
| Net loans and leases to total assets | 79.1163% | 783 |
| Net loans and leases to deposits | 96.2548% | 813 |
| Net loans and leases to core deposits | 104.2364% | 1,052 |
| Total domestic deposits to total assets | 82.1947% | 4,460 |
| Equity capital to assets | 13.5296% | 1,160 |
| Core capital (leverage) ratio | 13.1637% | 1,106 |
| Tier 1 risk-based capital ratio | 13.5421% | 4,304 |
| Total risk-based capital ratio | 14.6213% | 4,304 |
| Memoranda: | ||
| Average total assets | $993,875,500 | 697 |
| Average earning assets | $892,787,500 | 711 |
| Average equity | $133,575,500 | 567 |
| Average total loans | $798,013,000 | 579 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 2,031 |
| Cost of funding earning assets | 0.3604% | 4,134 |
| Net interest margin | 4.1002% | 1,577 |
| Noninterest income to average assets | 0.7989% | 1,882 |
| Noninterest expense to average assets | 3.4060% | 1,687 |
| Loan and lease loss provision to assets | 0.1464% | 1,803 |
| Net operating income to assets | 0.6770% | 4,002 |
| Return on assets (ROA) | 0.8724% | 3,092 |
| Pretax return on assets | 1.1960% | 2,669 |
| Return on Equity (ROE) | 6.6051% | 3,842 |
| Retained earnings to average equity (ytd only) | 6.6051% | 1,594 |
| Net charge-offs to loans | 0.1359% | 2,657 |
| Credit loss provision to net charge-offs | 136.0225% | 1,737 |
| Earnings coverage of net charge-offs (x) | 9.9841% | 2,670 |
| Efficiency ratio | 76.0136% | 2,506 |
| Assets per employee ($millions) | 3.5893% | 4,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0842% | 4,620 |
| Loan loss allowance to noncurrent loans | 141.6735% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6977% | 3,480 |
| Noncurrent loans to loans | 0.7653% | 3,401 |
| Net loans and leases to total assets | 79.7060% | 775 |
| Net loans and leases to deposits | 97.8441% | 776 |
| Net loans and leases to core deposits | 104.7491% | 1,091 |
| Total domestic deposits to total assets | 81.4622% | 4,609 |
| Equity capital to assets | 13.3502% | 1,211 |
| Core capital (leverage) ratio | 12.8666% | 1,187 |
| Tier 1 risk-based capital ratio | 14.9466% | 3,517 |
| Total risk-based capital ratio | 16.1896% | 3,456 |
| Memoranda: | ||
| Average total assets | $990,257,800 | 683 |
| Average earning assets | $889,224,800 | 690 |
| Average equity | $130,793,400 | 554 |
| Average total loans | $784,118,600 | 560 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4606% | 2,015 |
| Cost of funding earning assets | 0.3659% | 4,176 |
| Net interest margin | 4.0946% | 1,595 |
| Noninterest income to average assets | 0.7920% | 1,925 |
| Noninterest expense to average assets | 3.3737% | 1,730 |
| Loan and lease loss provision to assets | 0.1348% | 1,854 |
| Net operating income to assets | 0.6457% | 4,232 |
| Return on assets (ROA) | 0.8721% | 3,155 |
| Pretax return on assets | 1.2982% | 2,380 |
| Return on Equity (ROE) | 6.6210% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.6210% | 2,030 |
| Net charge-offs to loans | 0.1751% | 2,050 |
| Credit loss provision to net charge-offs | 97.6563% | 2,285 |
| Earnings coverage of net charge-offs (x) | 7.9336% | 2,871 |
| Efficiency ratio | 75.4976% | 2,576 |
| Assets per employee ($millions) | 3.7594% | 4,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,023 |
| Loan loss allowance to noncurrent loans | 115.5984% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7978% | 3,424 |
| Noncurrent loans to loans | 0.9013% | 3,309 |
| Net loans and leases to total assets | 78.9193% | 843 |
| Net loans and leases to deposits | 96.2509% | 861 |
| Net loans and leases to core deposits | 102.6970% | 1,175 |
| Total domestic deposits to total assets | 81.9934% | 4,481 |
| Equity capital to assets | 13.4393% | 1,212 |
| Core capital (leverage) ratio | 12.5979% | 1,351 |
| Tier 1 risk-based capital ratio | 14.7601% | 3,727 |
| Total risk-based capital ratio | 15.9517% | 3,697 |
| Memoranda: | ||
| Average total assets | $989,262,500 | 683 |
| Average earning assets | $888,291,500 | 694 |
| Average equity | $130,308,500 | 558 |
| Average total loans | $779,859,750 | 561 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,914 |
| Cost of funding earning assets | 0.3697% | 4,209 |
| Net interest margin | 4.1046% | 1,491 |
| Noninterest income to average assets | 0.7405% | 2,088 |
| Noninterest expense to average assets | 3.3301% | 1,839 |
| Loan and lease loss provision to assets | 0.1520% | 1,619 |
| Net operating income to assets | 0.6378% | 4,161 |
| Return on assets (ROA) | 0.9370% | 2,722 |
| Pretax return on assets | 1.3900% | 1,931 |
| Return on Equity (ROE) | 7.1626% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.1626% | 1,686 |
| Net charge-offs to loans | 0.2436% | 1,584 |
| Credit loss provision to net charge-offs | 79.4492% | 2,341 |
| Earnings coverage of net charge-offs (x) | 5.7256% | 2,880 |
| Efficiency ratio | 75.2496% | 2,768 |
| Assets per employee ($millions) | 3.5675% | 4,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 5,252 |
| Loan loss allowance to noncurrent loans | 134.0165% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 4,035 |
| Noncurrent loans to loans | 0.7633% | 3,798 |
| Net loans and leases to total assets | 77.9835% | 914 |
| Net loans and leases to deposits | 96.8020% | 754 |
| Net loans and leases to core deposits | 103.8820% | 1,028 |
| Total domestic deposits to total assets | 80.5597% | 5,106 |
| Equity capital to assets | 13.0984% | 1,321 |
| Core capital (leverage) ratio | 12.5051% | 1,390 |
| Tier 1 risk-based capital ratio | 14.5840% | 3,875 |
| Total risk-based capital ratio | 15.8217% | 3,833 |
| Memoranda: | ||
| Average total assets | $986,935,330 | 681 |
| Average earning assets | $886,032,670 | 689 |
| Average equity | $129,115,330 | 561 |
| Average total loans | $774,977,330 | 564 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 1,794 |
| Cost of funding earning assets | 0.3721% | 4,290 |
| Net interest margin | 4.1339% | 1,379 |
| Noninterest income to average assets | 0.7113% | 2,117 |
| Noninterest expense to average assets | 3.3898% | 1,729 |
| Loan and lease loss provision to assets | 0.1842% | 1,300 |
| Net operating income to assets | 0.5763% | 4,313 |
| Return on assets (ROA) | 1.0731% | 1,988 |
| Pretax return on assets | 1.5781% | 1,215 |
| Return on Equity (ROE) | 8.2074% | 2,838 |
| Retained earnings to average equity (ytd only) | 8.2074% | 1,532 |
| Net charge-offs to loans | 0.2778% | 1,232 |
| Credit loss provision to net charge-offs | 84.5865% | 1,854 |
| Earnings coverage of net charge-offs (x) | 4.7387% | 2,484 |
| Efficiency ratio | 76.6660% | 2,700 |
| Assets per employee ($millions) | 3.9270% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0714% | 5,239 |
| Loan loss allowance to noncurrent loans | 138.7810% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 4,174 |
| Noncurrent loans to loans | 0.7720% | 3,930 |
| Net loans and leases to total assets | 77.3107% | 843 |
| Net loans and leases to deposits | 95.6653% | 677 |
| Net loans and leases to core deposits | 102.4151% | 959 |
| Total domestic deposits to total assets | 80.8137% | 5,288 |
| Equity capital to assets | 13.0774% | 1,275 |
| Core capital (leverage) ratio | 12.5348% | 1,372 |
| Tier 1 risk-based capital ratio | 14.7755% | 3,831 |
| Total risk-based capital ratio | 15.9920% | 3,811 |
| Memoranda: | ||
| Average total assets | $977,392,500 | 690 |
| Average earning assets | $877,224,500 | 702 |
| Average equity | $127,786,500 | 565 |
| Average total loans | $766,147,000 | 568 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5459% | 2,046 |
| Cost of funding earning assets | 0.5592% | 3,028 |
| Net interest margin | 3.9867% | 1,986 |
| Noninterest income to average assets | 0.8130% | 2,014 |
| Noninterest expense to average assets | 3.4746% | 1,715 |
| Loan and lease loss provision to assets | 0.0713% | 3,696 |
| Net operating income to assets | 0.5949% | 4,286 |
| Return on assets (ROA) | 0.8644% | 3,032 |
| Pretax return on assets | 1.2252% | 2,481 |
| Return on Equity (ROE) | 7.1052% | 3,505 |
| Retained earnings to average equity (ytd only) | 7.1052% | 1,396 |
| Net charge-offs to loans | 0.1098% | 3,730 |
| Credit loss provision to net charge-offs | 82.6446% | 2,970 |
| Earnings coverage of net charge-offs (x) | 10.6305% | 2,337 |
| Efficiency ratio | 79.1192% | 2,299 |
| Assets per employee ($millions) | 3.7862% | 4,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,221 |
| Loan loss allowance to noncurrent loans | 178.9224% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.5950% | 4,454 |
| Noncurrent loans to loans | 0.6065% | 4,461 |
| Net loans and leases to total assets | 77.7746% | 849 |
| Net loans and leases to deposits | 95.0244% | 798 |
| Net loans and leases to core deposits | 101.8345% | 1,040 |
| Total domestic deposits to total assets | 81.8470% | 4,929 |
| Equity capital to assets | 13.0710% | 1,243 |
| Core capital (leverage) ratio | 12.1870% | 1,502 |
| Tier 1 risk-based capital ratio | 14.5567% | 3,929 |
| Total risk-based capital ratio | 15.8697% | 3,833 |
| Memoranda: | ||
| Average total assets | $981,893,800 | 669 |
| Average earning assets | $881,384,800 | 682 |
| Average equity | $119,447,000 | 597 |
| Average total loans | $771,539,600 | 546 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5469% | 2,051 |
| Cost of funding earning assets | 0.5939% | 2,858 |
| Net interest margin | 3.9530% | 2,102 |
| Noninterest income to average assets | 0.7910% | 2,196 |
| Noninterest expense to average assets | 3.3329% | 1,994 |
| Loan and lease loss provision to assets | 0.0745% | 3,565 |
| Net operating income to assets | 0.6354% | 4,196 |
| Return on assets (ROA) | 0.8644% | 3,130 |
| Pretax return on assets | 1.2703% | 2,449 |
| Return on Equity (ROE) | 7.2388% | 3,527 |
| Retained earnings to average equity (ytd only) | 7.2388% | 1,775 |
| Net charge-offs to loans | 0.1200% | 3,352 |
| Credit loss provision to net charge-offs | 79.0230% | 2,871 |
| Earnings coverage of net charge-offs (x) | 10.6911% | 2,330 |
| Efficiency ratio | 76.7766% | 2,602 |
| Assets per employee ($millions) | 3.8092% | 4,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0793% | 5,405 |
| Loan loss allowance to noncurrent loans | 189.2206% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.5433% | 4,816 |
| Noncurrent loans to loans | 0.5704% | 4,779 |
| Net loans and leases to total assets | 76.2470% | 974 |
| Net loans and leases to deposits | 94.4138% | 807 |
| Net loans and leases to core deposits | 101.5049% | 1,025 |
| Total domestic deposits to total assets | 80.7583% | 5,284 |
| Equity capital to assets | 12.0589% | 1,881 |
| Core capital (leverage) ratio | 11.8342% | 1,786 |
| Tier 1 risk-based capital ratio | 13.9719% | 4,453 |
| Total risk-based capital ratio | 15.1888% | 4,426 |
| Memoranda: | ||
| Average total assets | $984,105,750 | 667 |
| Average earning assets | $883,802,750 | 679 |
| Average equity | $117,512,000 | 610 |
| Average total loans | $773,153,250 | 543 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 1,906 |
| Cost of funding earning assets | 0.6029% | 2,907 |
| Net interest margin | 3.9779% | 1,935 |
| Noninterest income to average assets | 0.8047% | 2,167 |
| Noninterest expense to average assets | 3.2379% | 2,248 |
| Loan and lease loss provision to assets | 0.0817% | 3,431 |
| Net operating income to assets | 0.7192% | 3,724 |
| Return on assets (ROA) | 0.9042% | 2,913 |
| Pretax return on assets | 1.3315% | 2,182 |
| Return on Equity (ROE) | 7.5974% | 3,290 |
| Retained earnings to average equity (ytd only) | 7.5974% | 1,627 |
| Net charge-offs to loans | 0.1028% | 3,333 |
| Credit loss provision to net charge-offs | 100.5025% | 2,193 |
| Earnings coverage of net charge-offs (x) | 14.0427% | 1,855 |
| Efficiency ratio | 73.9392% | 3,144 |
| Assets per employee ($millions) | 3.5713% | 4,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0883% | 5,491 |
| Loan loss allowance to noncurrent loans | 170.1429% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 4,798 |
| Noncurrent loans to loans | 0.6396% | 4,661 |
| Net loans and leases to total assets | 78.2102% | 723 |
| Net loans and leases to deposits | 99.9911% | 426 |
| Net loans and leases to core deposits | 108.0417% | 649 |
| Total domestic deposits to total assets | 78.2171% | 5,943 |
| Equity capital to assets | 12.0270% | 1,900 |
| Core capital (leverage) ratio | 11.7368% | 1,774 |
| Tier 1 risk-based capital ratio | 13.5773% | 4,727 |
| Total risk-based capital ratio | 14.7847% | 4,703 |
| Memoranda: | ||
| Average total assets | $979,468,670 | 672 |
| Average earning assets | $880,115,670 | 681 |
| Average equity | $116,566,000 | 617 |
| Average total loans | $774,450,670 | 536 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5552% | 1,969 |
| Cost of funding earning assets | 0.6120% | 2,992 |
| Net interest margin | 3.9432% | 1,967 |
| Noninterest income to average assets | 0.8743% | 1,847 |
| Noninterest expense to average assets | 3.2825% | 2,126 |
| Loan and lease loss provision to assets | 0.1022% | 2,969 |
| Net operating income to assets | 0.6961% | 3,705 |
| Return on assets (ROA) | 0.9831% | 2,429 |
| Pretax return on assets | 1.4529% | 1,704 |
| Return on Equity (ROE) | 8.3047% | 2,815 |
| Retained earnings to average equity (ytd only) | 8.3047% | 1,641 |
| Net charge-offs to loans | 0.0879% | 2,959 |
| Credit loss provision to net charge-offs | 147.0588% | 1,385 |
| Earnings coverage of net charge-offs (x) | 16.3000% | 1,368 |
| Efficiency ratio | 74.3378% | 3,207 |
| Assets per employee ($millions) | 3.8655% | 4,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,577 |
| Loan loss allowance to noncurrent loans | 121.1162% | 2,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 4,483 |
| Noncurrent loans to loans | 0.9139% | 4,306 |
| Net loans and leases to total assets | 77.3078% | 686 |
| Net loans and leases to deposits | 102.2304% | 274 |
| Net loans and leases to core deposits | 109.6933% | 503 |
| Total domestic deposits to total assets | 75.6212% | 6,400 |
| Equity capital to assets | 11.9144% | 2,102 |
| Core capital (leverage) ratio | 11.5729% | 1,832 |
| Tier 1 risk-based capital ratio | 13.6896% | 4,729 |
| Total risk-based capital ratio | 14.9775% | 4,668 |
| Memoranda: | ||
| Average total assets | $978,154,500 | 676 |
| Average earning assets | $878,474,000 | 689 |
| Average equity | $115,790,500 | 629 |
| Average total loans | $773,400,500 | 538 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7899% | 2,240 |
| Cost of funding earning assets | 0.9010% | 1,929 |
| Net interest margin | 3.8889% | 2,879 |
| Noninterest income to average assets | 0.8293% | 2,136 |
| Noninterest expense to average assets | 3.3267% | 2,263 |
| Loan and lease loss provision to assets | 0.1115% | 4,236 |
| Net operating income to assets | 0.6551% | 3,964 |
| Return on assets (ROA) | 0.8813% | 3,151 |
| Pretax return on assets | 1.2160% | 2,741 |
| Return on Equity (ROE) | 7.8308% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.8308% | 1,184 |
| Net charge-offs to loans | 0.1619% | 4,085 |
| Credit loss provision to net charge-offs | 86.3454% | 3,614 |
| Earnings coverage of net charge-offs (x) | 7.8474% | 2,517 |
| Efficiency ratio | 76.6536% | 2,644 |
| Assets per employee ($millions) | 3.8516% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 5,598 |
| Loan loss allowance to noncurrent loans | 125.5237% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.7161% | 4,691 |
| Noncurrent loans to loans | 0.8671% | 4,451 |
| Net loans and leases to total assets | 79.1049% | 552 |
| Net loans and leases to deposits | 104.5240% | 256 |
| Net loans and leases to core deposits | 111.3887% | 491 |
| Total domestic deposits to total assets | 75.6811% | 6,393 |
| Equity capital to assets | 11.7597% | 2,212 |
| Core capital (leverage) ratio | 11.3880% | 1,943 |
| Tier 1 risk-based capital ratio | 13.4501% | 4,790 |
| Total risk-based capital ratio | 14.6434% | 4,780 |
| Memoranda: | ||
| Average total assets | $964,253,400 | 680 |
| Average earning assets | $870,461,000 | 684 |
| Average equity | $108,520,000 | 654 |
| Average total loans | $768,925,200 | 533 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 2,538 |
| Cost of funding earning assets | 0.9608% | 1,778 |
| Net interest margin | 3.7989% | 3,340 |
| Noninterest income to average assets | 0.7755% | 2,351 |
| Noninterest expense to average assets | 3.1300% | 2,797 |
| Loan and lease loss provision to assets | 0.0796% | 4,637 |
| Net operating income to assets | 0.6833% | 3,987 |
| Return on assets (ROA) | 0.8421% | 3,498 |
| Pretax return on assets | 1.2378% | 2,833 |
| Return on Equity (ROE) | 7.5680% | 3,494 |
| Retained earnings to average equity (ytd only) | 7.5680% | 1,811 |
| Net charge-offs to loans | 0.1710% | 3,732 |
| Credit loss provision to net charge-offs | 58.4350% | 4,193 |
| Earnings coverage of net charge-offs (x) | 7.9532% | 2,522 |
| Efficiency ratio | 74.2777% | 2,939 |
| Assets per employee ($millions) | 3.8442% | 4,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0457% | 5,907 |
| Loan loss allowance to noncurrent loans | 88.5653% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 0.9888% | 4,305 |
| Noncurrent loans to loans | 1.1807% | 4,088 |
| Net loans and leases to total assets | 80.5154% | 467 |
| Net loans and leases to deposits | 107.0108% | 215 |
| Net loans and leases to core deposits | 113.9805% | 434 |
| Total domestic deposits to total assets | 75.2404% | 6,486 |
| Equity capital to assets | 11.4997% | 2,743 |
| Core capital (leverage) ratio | 11.1534% | 2,254 |
| Tier 1 risk-based capital ratio | 12.9969% | 5,255 |
| Total risk-based capital ratio | 14.2718% | 5,190 |
| Memoranda: | ||
| Average total assets | $962,663,750 | 690 |
| Average earning assets | $871,313,500 | 690 |
| Average equity | $107,114,750 | 665 |
| Average total loans | $767,093,750 | 527 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 2,735 |
| Cost of funding earning assets | 0.9995% | 1,764 |
| Net interest margin | 3.7463% | 3,609 |
| Noninterest income to average assets | 0.7664% | 2,345 |
| Noninterest expense to average assets | 3.1073% | 2,904 |
| Loan and lease loss provision to assets | 0.0780% | 4,637 |
| Net operating income to assets | 0.6626% | 4,048 |
| Return on assets (ROA) | 0.8568% | 3,373 |
| Pretax return on assets | 1.2623% | 2,683 |
| Return on Equity (ROE) | 7.7877% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.7877% | 1,723 |
| Net charge-offs to loans | 0.1958% | 3,411 |
| Credit loss provision to net charge-offs | 50.3356% | 4,031 |
| Earnings coverage of net charge-offs (x) | 6.8081% | 2,574 |
| Efficiency ratio | 74.6615% | 2,956 |
| Assets per employee ($millions) | 3.5872% | 4,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,860 |
| Loan loss allowance to noncurrent loans | 90.8780% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9893% | 4,395 |
| Noncurrent loans to loans | 1.1886% | 4,170 |
| Net loans and leases to total assets | 78.2845% | 691 |
| Net loans and leases to deposits | 103.7687% | 283 |
| Net loans and leases to core deposits | 110.7244% | 552 |
| Total domestic deposits to total assets | 75.4414% | 6,536 |
| Equity capital to assets | 11.2017% | 2,895 |
| Core capital (leverage) ratio | 11.1020% | 2,204 |
| Tier 1 risk-based capital ratio | 12.9303% | 5,232 |
| Total risk-based capital ratio | 14.1662% | 5,220 |
| Memoranda: | ||
| Average total assets | $961,920,000 | 692 |
| Average earning assets | $871,858,330 | 691 |
| Average equity | $105,833,000 | 671 |
| Average total loans | $761,092,000 | 528 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7436% | 2,868 |
| Cost of funding earning assets | 1.0451% | 1,710 |
| Net interest margin | 3.6984% | 3,837 |
| Noninterest income to average assets | 0.7972% | 2,182 |
| Noninterest expense to average assets | 3.1308% | 2,817 |
| Loan and lease loss provision to assets | 0.0937% | 4,175 |
| Net operating income to assets | 0.6321% | 4,210 |
| Return on assets (ROA) | 0.9379% | 2,960 |
| Pretax return on assets | 1.3844% | 2,234 |
| Return on Equity (ROE) | 8.6033% | 2,995 |
| Retained earnings to average equity (ytd only) | 8.6033% | 1,729 |
| Net charge-offs to loans | 0.2190% | 2,830 |
| Credit loss provision to net charge-offs | 54.0865% | 3,217 |
| Earnings coverage of net charge-offs (x) | 5.9351% | 2,277 |
| Efficiency ratio | 75.2754% | 2,896 |
| Assets per employee ($millions) | 3.9264% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,843 |
| Loan loss allowance to noncurrent loans | 85.3123% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0851% | 4,322 |
| Noncurrent loans to loans | 1.3083% | 4,155 |
| Net loans and leases to total assets | 77.6207% | 623 |
| Net loans and leases to deposits | 103.5516% | 265 |
| Net loans and leases to core deposits | 110.8160% | 504 |
| Total domestic deposits to total assets | 74.9584% | 6,647 |
| Equity capital to assets | 11.0267% | 2,875 |
| Core capital (leverage) ratio | 10.8611% | 2,375 |
| Tier 1 risk-based capital ratio | 12.9599% | 5,246 |
| Total risk-based capital ratio | 14.2581% | 5,186 |
| Memoranda: | ||
| Average total assets | $960,408,000 | 694 |
| Average earning assets | $873,017,000 | 688 |
| Average equity | $104,704,500 | 671 |
| Average total loans | $759,812,500 | 529 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 2,694 |
| Cost of funding earning assets | 1.1965% | 2,052 |
| Net interest margin | 3.8459% | 3,592 |
| Noninterest income to average assets | 0.6659% | 2,804 |
| Noninterest expense to average assets | 3.1527% | 3,016 |
| Loan and lease loss provision to assets | 0.0952% | 5,405 |
| Net operating income to assets | 0.6639% | 3,668 |
| Return on assets (ROA) | 0.7576% | 3,390 |
| Pretax return on assets | 1.0501% | 3,033 |
| Return on Equity (ROE) | 7.0244% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.0244% | 1,493 |
| Net charge-offs to loans | 0.2010% | 4,536 |
| Credit loss provision to net charge-offs | 57.5448% | 5,235 |
| Earnings coverage of net charge-offs (x) | 6.1375% | 2,585 |
| Efficiency ratio | 75.6445% | 2,948 |
| Assets per employee ($millions) | 3.8820% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,706 |
| Loan loss allowance to noncurrent loans | 97.0171% | 3,116 |
| Noncurrent assets plus other real estate owned to assets | 0.9590% | 4,694 |
| Noncurrent loans to loans | 1.1621% | 4,427 |
| Net loans and leases to total assets | 78.8333% | 629 |
| Net loans and leases to deposits | 106.2657% | 242 |
| Net loans and leases to core deposits | 114.1972% | 493 |
| Total domestic deposits to total assets | 74.1851% | 6,697 |
| Equity capital to assets | 10.7771% | 3,219 |
| Core capital (leverage) ratio | 10.7095% | 2,514 |
| Tier 1 risk-based capital ratio | 12.7417% | 5,277 |
| Total risk-based capital ratio | 14.0367% | 5,232 |
| Memoranda: | ||
| Average total assets | $945,641,400 | 688 |
| Average earning assets | $861,042,600 | 680 |
| Average equity | $101,987,000 | 672 |
| Average total loans | $778,132,800 | 525 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0774% | 2,722 |
| Cost of funding earning assets | 1.2233% | 2,166 |
| Net interest margin | 3.8541% | 3,591 |
| Noninterest income to average assets | 0.6476% | 2,899 |
| Noninterest expense to average assets | 3.1866% | 2,863 |
| Loan and lease loss provision to assets | 0.0318% | 6,045 |
| Net operating income to assets | 0.6378% | 3,932 |
| Return on assets (ROA) | 0.7577% | 3,516 |
| Pretax return on assets | 1.1163% | 2,938 |
| Return on Equity (ROE) | 7.0239% | 3,517 |
| Retained earnings to average equity (ytd only) | 7.0239% | 1,958 |
| Net charge-offs to loans | 0.1958% | 4,235 |
| Credit loss provision to net charge-offs | 19.5993% | 5,565 |
| Earnings coverage of net charge-offs (x) | 5.9834% | 2,650 |
| Efficiency ratio | 76.6289% | 2,739 |
| Assets per employee ($millions) | 3.8691% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 5,981 |
| Loan loss allowance to noncurrent loans | 102.0010% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.8976% | 4,939 |
| Noncurrent loans to loans | 1.0524% | 4,802 |
| Net loans and leases to total assets | 81.6113% | 388 |
| Net loans and leases to deposits | 109.1296% | 188 |
| Net loans and leases to core deposits | 116.2217% | 488 |
| Total domestic deposits to total assets | 74.7838% | 6,664 |
| Equity capital to assets | 10.8867% | 3,253 |
| Core capital (leverage) ratio | 10.4748% | 2,895 |
| Tier 1 risk-based capital ratio | 12.4149% | 5,564 |
| Total risk-based capital ratio | 13.4886% | 5,697 |
| Memoranda: | ||
| Average total assets | $942,340,000 | 701 |
| Average earning assets | $858,421,500 | 693 |
| Average equity | $101,649,750 | 683 |
| Average total loans | $781,538,500 | 530 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0783% | 2,782 |
| Cost of funding earning assets | 1.2326% | 2,364 |
| Net interest margin | 3.8458% | 3,553 |
| Noninterest income to average assets | 0.6265% | 2,969 |
| Noninterest expense to average assets | 3.2033% | 2,884 |
| Loan and lease loss provision to assets | 0.0319% | 5,912 |
| Net operating income to assets | 0.6037% | 4,049 |
| Return on assets (ROA) | 0.7819% | 3,278 |
| Pretax return on assets | 1.1578% | 2,647 |
| Return on Equity (ROE) | 7.2714% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.2714% | 1,754 |
| Net charge-offs to loans | 0.3152% | 3,294 |
| Credit loss provision to net charge-offs | 12.1655% | 5,224 |
| Earnings coverage of net charge-offs (x) | 3.5426% | 3,140 |
| Efficiency ratio | 77.5447% | 2,781 |
| Assets per employee ($millions) | 3.5197% | 4,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0491% | 6,148 |
| Loan loss allowance to noncurrent loans | 100.5641% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9104% | 5,055 |
| Noncurrent loans to loans | 1.0432% | 4,911 |
| Net loans and leases to total assets | 81.9940% | 371 |
| Net loans and leases to deposits | 109.4758% | 188 |
| Net loans and leases to core deposits | 117.6195% | 484 |
| Total domestic deposits to total assets | 74.8969% | 6,738 |
| Equity capital to assets | 10.9739% | 2,989 |
| Core capital (leverage) ratio | 10.5734% | 2,643 |
| Tier 1 risk-based capital ratio | 12.2751% | 5,538 |
| Total risk-based capital ratio | 13.5287% | 5,522 |
| Memoranda: | ||
| Average total assets | $941,768,000 | 712 |
| Average earning assets | $858,192,330 | 702 |
| Average equity | $101,274,000 | 682 |
| Average total loans | $782,446,000 | 538 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0411% | 2,902 |
| Cost of funding earning assets | 1.2369% | 2,585 |
| Net interest margin | 3.8042% | 3,596 |
| Noninterest income to average assets | 0.6006% | 3,160 |
| Noninterest expense to average assets | 3.3241% | 2,483 |
| Loan and lease loss provision to assets | 0.0319% | 5,575 |
| Net operating income to assets | 0.4849% | 4,552 |
| Return on assets (ROA) | 0.7996% | 3,103 |
| Pretax return on assets | 1.1894% | 2,418 |
| Return on Equity (ROE) | 7.5125% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.5125% | 1,932 |
| Net charge-offs to loans | 0.2662% | 3,004 |
| Credit loss provision to net charge-offs | 14.3954% | 4,338 |
| Earnings coverage of net charge-offs (x) | 3.3935% | 2,755 |
| Efficiency ratio | 81.5603% | 2,288 |
| Assets per employee ($millions) | 3.7661% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,896 |
| Loan loss allowance to noncurrent loans | 73.6294% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.3418% | 4,289 |
| Noncurrent loans to loans | 1.5453% | 4,149 |
| Net loans and leases to total assets | 82.2106% | 333 |
| Net loans and leases to deposits | 109.9219% | 185 |
| Net loans and leases to core deposits | 118.1778% | 467 |
| Total domestic deposits to total assets | 74.7900% | 6,823 |
| Equity capital to assets | 10.8465% | 2,833 |
| Core capital (leverage) ratio | 10.3241% | 2,778 |
| Tier 1 risk-based capital ratio | 12.2166% | 5,503 |
| Total risk-based capital ratio | 13.5552% | 5,422 |
| Memoranda: | ||
| Average total assets | $941,008,500 | 718 |
| Average earning assets | $859,580,000 | 706 |
| Average equity | $100,153,500 | 680 |
| Average total loans | $782,849,500 | 547 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3403% | 2,933 |
| Cost of funding earning assets | 1.3976% | 3,284 |
| Net interest margin | 3.9427% | 3,291 |
| Noninterest income to average assets | 0.6401% | 3,210 |
| Noninterest expense to average assets | 3.0791% | 3,549 |
| Loan and lease loss provision to assets | 0.0850% | 6,301 |
| Net operating income to assets | 0.7323% | 3,088 |
| Return on assets (ROA) | 0.8362% | 2,788 |
| Pretax return on assets | 1.2196% | 2,160 |
| Return on Equity (ROE) | 8.3027% | 2,579 |
| Retained earnings to average equity (ytd only) | 8.3027% | 885 |
| Net charge-offs to loans | 0.1997% | 5,093 |
| Credit loss provision to net charge-offs | 49.7203% | 6,263 |
| Earnings coverage of net charge-offs (x) | 6.7483% | 2,288 |
| Efficiency ratio | 72.7385% | 3,649 |
| Assets per employee ($millions) | 3.7620% | 4,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,618 |
| Loan loss allowance to noncurrent loans | 71.4187% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 1.4133% | 4,227 |
| Noncurrent loans to loans | 1.6474% | 4,033 |
| Net loans and leases to total assets | 82.2488% | 431 |
| Net loans and leases to deposits | 110.7907% | 222 |
| Net loans and leases to core deposits | 119.4385% | 546 |
| Total domestic deposits to total assets | 74.2379% | 6,861 |
| Equity capital to assets | 10.4429% | 3,226 |
| Core capital (leverage) ratio | 10.0464% | 3,034 |
| Tier 1 risk-based capital ratio | 12.0488% | 5,426 |
| Total risk-based capital ratio | 13.4097% | 5,308 |
| Memoranda: | ||
| Average total assets | $940,879,200 | 714 |
| Average earning assets | $857,426,000 | 706 |
| Average equity | $94,763,800 | 708 |
| Average total loans | $805,513,200 | 542 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3741% | 3,003 |
| Cost of funding earning assets | 1.4223% | 3,440 |
| Net interest margin | 3.9518% | 3,316 |
| Noninterest income to average assets | 0.5987% | 3,446 |
| Noninterest expense to average assets | 3.0812% | 3,418 |
| Loan and lease loss provision to assets | 0.0355% | 6,729 |
| Net operating income to assets | 0.7375% | 3,249 |
| Return on assets (ROA) | 0.8671% | 2,887 |
| Pretax return on assets | 1.2713% | 2,256 |
| Return on Equity (ROE) | 8.6895% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.6895% | 1,165 |
| Net charge-offs to loans | 0.2416% | 4,492 |
| Credit loss provision to net charge-offs | 17.0416% | 6,274 |
| Earnings coverage of net charge-offs (x) | 5.3592% | 2,766 |
| Efficiency ratio | 73.4068% | 3,436 |
| Assets per employee ($millions) | 3.6740% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1044% | 5,921 |
| Loan loss allowance to noncurrent loans | 84.6044% | 3,223 |
| Noncurrent assets plus other real estate owned to assets | 1.1919% | 4,755 |
| Noncurrent loans to loans | 1.3053% | 4,683 |
| Net loans and leases to total assets | 84.8302% | 275 |
| Net loans and leases to deposits | 115.0598% | 172 |
| Net loans and leases to core deposits | 124.0859% | 497 |
| Total domestic deposits to total assets | 73.7270% | 6,953 |
| Equity capital to assets | 10.3869% | 3,661 |
| Core capital (leverage) ratio | 9.8743% | 3,393 |
| Tier 1 risk-based capital ratio | 11.5796% | 5,851 |
| Total risk-based capital ratio | 12.8120% | 5,858 |
| Memoranda: | ||
| Average total assets | $939,094,500 | 710 |
| Average earning assets | $855,192,250 | 706 |
| Average equity | $93,704,500 | 716 |
| Average total loans | $809,637,500 | 542 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 3,385 |
| Cost of funding earning assets | 1.4307% | 3,666 |
| Net interest margin | 3.8854% | 3,511 |
| Noninterest income to average assets | 0.5618% | 3,613 |
| Noninterest expense to average assets | 3.0650% | 3,450 |
| Loan and lease loss provision to assets | 0.0532% | 6,427 |
| Net operating income to assets | 0.6670% | 3,546 |
| Return on assets (ROA) | 0.8676% | 2,799 |
| Pretax return on assets | 1.2749% | 2,171 |
| Return on Equity (ROE) | 8.8149% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.8149% | 1,169 |
| Net charge-offs to loans | 0.2531% | 4,082 |
| Credit loss provision to net charge-offs | 24.3427% | 5,810 |
| Earnings coverage of net charge-offs (x) | 4.7274% | 2,864 |
| Efficiency ratio | 74.7897% | 3,306 |
| Assets per employee ($millions) | 3.5267% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1365% | 5,761 |
| Loan loss allowance to noncurrent loans | 91.2788% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.1003% | 4,932 |
| Noncurrent loans to loans | 1.2451% | 4,887 |
| Net loans and leases to total assets | 85.7286% | 245 |
| Net loans and leases to deposits | 115.9856% | 178 |
| Net loans and leases to core deposits | 128.6111% | 445 |
| Total domestic deposits to total assets | 73.9131% | 6,985 |
| Equity capital to assets | 9.9104% | 4,125 |
| Core capital (leverage) ratio | 9.6145% | 3,660 |
| Tier 1 risk-based capital ratio | 11.2418% | 6,008 |
| Total risk-based capital ratio | 12.4085% | 6,075 |
| Memoranda: | ||
| Average total assets | $939,834,000 | 707 |
| Average earning assets | $855,402,670 | 703 |
| Average equity | $92,502,000 | 712 |
| Average total loans | $811,640,330 | 542 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2981% | 3,562 |
| Cost of funding earning assets | 1.4443% | 3,910 |
| Net interest margin | 3.8538% | 3,542 |
| Noninterest income to average assets | 0.5147% | 3,934 |
| Noninterest expense to average assets | 3.1175% | 3,196 |
| Loan and lease loss provision to assets | 0.0640% | 6,002 |
| Net operating income to assets | 0.5740% | 4,014 |
| Return on assets (ROA) | 0.7879% | 3,137 |
| Pretax return on assets | 1.1614% | 2,506 |
| Return on Equity (ROE) | 8.0332% | 2,869 |
| Retained earnings to average equity (ytd only) | 8.0332% | 1,697 |
| Net charge-offs to loans | 0.1208% | 4,244 |
| Credit loss provision to net charge-offs | 61.4754% | 4,270 |
| Earnings coverage of net charge-offs (x) | 8.7459% | 1,927 |
| Efficiency ratio | 77.3893% | 2,998 |
| Assets per employee ($millions) | 3.7230% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,295 |
| Loan loss allowance to noncurrent loans | 75.0375% | 3,624 |
| Noncurrent assets plus other real estate owned to assets | 1.5244% | 4,213 |
| Noncurrent loans to loans | 1.6486% | 4,276 |
| Net loans and leases to total assets | 85.0776% | 284 |
| Net loans and leases to deposits | 115.2365% | 191 |
| Net loans and leases to core deposits | 131.0493% | 465 |
| Total domestic deposits to total assets | 73.8287% | 7,069 |
| Equity capital to assets | 9.9019% | 3,990 |
| Core capital (leverage) ratio | 9.4596% | 3,832 |
| Tier 1 risk-based capital ratio | 11.2029% | 5,955 |
| Total risk-based capital ratio | 12.4797% | 5,879 |
| Memoranda: | ||
| Average total assets | $937,171,000 | 728 |
| Average earning assets | $854,419,500 | 718 |
| Average equity | $91,918,500 | 718 |
| Average total loans | $807,667,000 | 564 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4748% | 4,295 |
| Cost of funding earning assets | 1.6647% | 4,702 |
| Net interest margin | 3.8101% | 3,660 |
| Noninterest income to average assets | 0.6116% | 3,539 |
| Noninterest expense to average assets | 3.0131% | 4,099 |
| Loan and lease loss provision to assets | 0.3216% | 4,885 |
| Net operating income to assets | 0.5231% | 3,636 |
| Return on assets (ROA) | 0.6059% | 3,376 |
| Pretax return on assets | 0.8460% | 3,097 |
| Return on Equity (ROE) | 6.4990% | 2,995 |
| Retained earnings to average equity (ytd only) | 6.4990% | 1,150 |
| Net charge-offs to loans | 0.2230% | 5,231 |
| Credit loss provision to net charge-offs | 167.5170% | 2,576 |
| Earnings coverage of net charge-offs (x) | 5.4830% | 2,585 |
| Efficiency ratio | 74.1113% | 3,875 |
| Assets per employee ($millions) | 3.7297% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,048 |
| Loan loss allowance to noncurrent loans | 71.1907% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 1.5557% | 4,045 |
| Noncurrent loans to loans | 1.7563% | 4,002 |
| Net loans and leases to total assets | 85.1415% | 334 |
| Net loans and leases to deposits | 116.3823% | 221 |
| Net loans and leases to core deposits | 141.8403% | 737 |
| Total domestic deposits to total assets | 73.1568% | 7,135 |
| Equity capital to assets | 9.7141% | 4,129 |
| Core capital (leverage) ratio | 9.4528% | 3,779 |
| Tier 1 risk-based capital ratio | 10.9239% | 5,987 |
| Total risk-based capital ratio | 12.1890% | 5,950 |
| Memoranda: | ||
| Average total assets | $918,929,200 | 738 |
| Average earning assets | $833,057,800 | 737 |
| Average equity | $85,674,600 | 747 |
| Average total loans | $791,064,200 | 578 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5015% | 4,413 |
| Cost of funding earning assets | 1.7244% | 4,774 |
| Net interest margin | 3.7771% | 3,754 |
| Noninterest income to average assets | 0.6006% | 3,694 |
| Noninterest expense to average assets | 3.0264% | 3,945 |
| Loan and lease loss provision to assets | 0.2413% | 5,032 |
| Net operating income to assets | 0.5043% | 3,968 |
| Return on assets (ROA) | 0.5819% | 3,739 |
| Pretax return on assets | 0.8675% | 3,331 |
| Return on Equity (ROE) | 6.3094% | 3,392 |
| Retained earnings to average equity (ytd only) | 6.3094% | 1,810 |
| Net charge-offs to loans | 0.1443% | 5,248 |
| Credit loss provision to net charge-offs | 194.2488% | 2,322 |
| Earnings coverage of net charge-offs (x) | 7.9941% | 2,321 |
| Efficiency ratio | 75.2974% | 3,639 |
| Assets per employee ($millions) | 3.6097% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 4,998 |
| Loan loss allowance to noncurrent loans | 68.0171% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 1.5916% | 3,967 |
| Noncurrent loans to loans | 1.7968% | 3,920 |
| Net loans and leases to total assets | 85.5421% | 386 |
| Net loans and leases to deposits | 114.6911% | 299 |
| Net loans and leases to core deposits | 138.9788% | 967 |
| Total domestic deposits to total assets | 74.5847% | 6,852 |
| Equity capital to assets | 9.5305% | 4,705 |
| Core capital (leverage) ratio | 9.2195% | 4,306 |
| Tier 1 risk-based capital ratio | 10.7639% | 6,198 |
| Total risk-based capital ratio | 11.9977% | 6,170 |
| Memoranda: | ||
| Average total assets | $914,625,000 | 751 |
| Average earning assets | $827,848,500 | 750 |
| Average equity | $84,358,750 | 768 |
| Average total loans | $787,045,000 | 597 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5397% | 4,388 |
| Cost of funding earning assets | 1.7945% | 4,788 |
| Net interest margin | 3.7451% | 3,770 |
| Noninterest income to average assets | 0.5416% | 4,103 |
| Noninterest expense to average assets | 3.0785% | 3,780 |
| Loan and lease loss provision to assets | 0.1068% | 6,089 |
| Net operating income to assets | 0.4963% | 4,101 |
| Return on assets (ROA) | 0.5526% | 3,987 |
| Pretax return on assets | 0.8233% | 3,594 |
| Return on Equity (ROE) | 6.0587% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.0587% | 1,992 |
| Net charge-offs to loans | 0.1792% | 4,454 |
| Credit loss provision to net charge-offs | 69.4168% | 5,427 |
| Earnings coverage of net charge-offs (x) | 5.4993% | 2,824 |
| Efficiency ratio | 78.4420% | 3,287 |
| Assets per employee ($millions) | 3.4479% | 4,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0894% | 5,672 |
| Loan loss allowance to noncurrent loans | 70.7214% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.3924% | 4,174 |
| Noncurrent loans to loans | 1.5404% | 4,189 |
| Net loans and leases to total assets | 85.6644% | 416 |
| Net loans and leases to deposits | 114.3145% | 386 |
| Net loans and leases to core deposits | 137.6537% | 1,121 |
| Total domestic deposits to total assets | 74.9375% | 6,774 |
| Equity capital to assets | 9.2185% | 4,988 |
| Core capital (leverage) ratio | 9.0135% | 4,603 |
| Tier 1 risk-based capital ratio | 10.4008% | 6,480 |
| Total risk-based capital ratio | 11.4982% | 6,581 |
| Memoranda: | ||
| Average total assets | $913,875,330 | 771 |
| Average earning assets | $825,499,670 | 769 |
| Average equity | $83,350,670 | 786 |
| Average total loans | $784,721,000 | 620 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6182% | 4,250 |
| Cost of funding earning assets | 1.8914% | 4,670 |
| Net interest margin | 3.7268% | 3,775 |
| Noninterest income to average assets | 0.5096% | 4,236 |
| Noninterest expense to average assets | 3.0001% | 3,768 |
| Loan and lease loss provision to assets | 0.0628% | 6,165 |
| Net operating income to assets | 0.5391% | 4,257 |
| Return on assets (ROA) | 0.5491% | 4,399 |
| Pretax return on assets | 0.8176% | 4,013 |
| Return on Equity (ROE) | 6.0537% | 4,014 |
| Retained earnings to average equity (ytd only) | 6.0537% | 2,601 |
| Net charge-offs to loans | 0.0596% | 4,632 |
| Credit loss provision to net charge-offs | 123.2759% | 3,212 |
| Earnings coverage of net charge-offs (x) | 16.9828% | 1,526 |
| Efficiency ratio | 77.6111% | 3,235 |
| Assets per employee ($millions) | 3.6058% | 4,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1458% | 5,155 |
| Loan loss allowance to noncurrent loans | 91.7952% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 4,511 |
| Noncurrent loans to loans | 1.2482% | 4,473 |
| Net loans and leases to total assets | 83.7717% | 723 |
| Net loans and leases to deposits | 112.8248% | 483 |
| Net loans and leases to core deposits | 140.4603% | 1,081 |
| Total domestic deposits to total assets | 74.2494% | 6,842 |
| Equity capital to assets | 8.9597% | 5,400 |
| Core capital (leverage) ratio | 8.6949% | 5,157 |
| Tier 1 risk-based capital ratio | 10.7884% | 6,110 |
| Total risk-based capital ratio | 11.9995% | 6,047 |
| Memoranda: | ||
| Average total assets | $910,514,000 | 772 |
| Average earning assets | $819,907,500 | 779 |
| Average equity | $82,593,500 | 799 |
| Average total loans | $778,426,000 | 635 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3248% | 3,826 |
| Cost of funding earning assets | 2.2641% | 5,314 |
| Net interest margin | 4.0606% | 2,870 |
| Noninterest income to average assets | 0.5403% | 4,316 |
| Noninterest expense to average assets | 3.0101% | 4,052 |
| Loan and lease loss provision to assets | 0.1205% | 5,817 |
| Net operating income to assets | 0.6953% | 3,912 |
| Return on assets (ROA) | -0.2872% | 6,577 |
| Pretax return on assets | -0.4585% | 6,618 |
| Return on Equity (ROE) | -2.8226% | 6,597 |
| Retained earnings to average equity (ytd only) | -2.8226% | 6,061 |
| Net charge-offs to loans | 0.1078% | 5,207 |
| Credit loss provision to net charge-offs | 133.3748% | 3,985 |
| Earnings coverage of net charge-offs (x) | 13.2478% | 2,149 |
| Efficiency ratio | 71.5447% | 4,026 |
| Assets per employee ($millions) | 3.5494% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1446% | 4,965 |
| Loan loss allowance to noncurrent loans | 108.6283% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 0.9211% | 4,535 |
| Noncurrent loans to loans | 1.0537% | 4,469 |
| Net loans and leases to total assets | 85.2710% | 692 |
| Net loans and leases to deposits | 115.7976% | 532 |
| Net loans and leases to core deposits | 140.8816% | 1,218 |
| Total domestic deposits to total assets | 73.6380% | 6,709 |
| Equity capital to assets | 9.1847% | 5,105 |
| Core capital (leverage) ratio | 8.9544% | 4,802 |
| Tier 1 risk-based capital ratio | 10.9592% | 5,758 |
| Total risk-based capital ratio | 12.1683% | 5,717 |
| Memoranda: | ||
| Average total assets | $888,573,600 | 759 |
| Average earning assets | $802,434,400 | 766 |
| Average equity | $90,413,800 | 738 |
| Average total loans | $745,101,200 | 643 |