Home > Washington Financial Bank > Performance and Condition Ratios
Washington Financial 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 | 4.2784% | 3,474 |
| Cost of funding earning assets | 1.6267% | 1,619 |
| Net interest margin | 2.6518% | 3,892 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 1.9788% | 3,684 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7363% | 3,090 |
| Return on assets (ROA) | 0.7363% | 3,070 |
| Pretax return on assets | 0.8686% | 3,045 |
| Return on Equity (ROE) | 7.5400% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.4739% | 1,719 |
| Net charge-offs to loans | 0.0004% | 2,895 |
| Credit loss provision to net charge-offs | 14,450.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 3,658.2500% | 31 |
| Efficiency ratio | 68.8109% | 2,025 |
| Assets per employee ($millions) | 9.5452% | 818 |
| Cash dividends to net income (ytd only)* | 0.8908% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9152% | 3,665 |
| Loan loss allowance to noncurrent loans | 216.2516% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 1,701 |
| Noncurrent loans to loans | 0.4232% | 1,723 |
| Net loans and leases to total assets | 68.8200% | 1,944 |
| Net loans and leases to deposits | 84.3365% | 1,749 |
| Net loans and leases to core deposits | 88.2443% | 2,163 |
| Total domestic deposits to total assets | 81.6100% | 3,200 |
| Equity capital to assets | 10.6601% | 1,649 |
| Core capital (leverage) ratio | 12.0423% | 1,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0323% | 788 |
| Memoranda: | ||
| Average total assets | $1,631,491,600 | 667 |
| Average earning assets | $1,530,120,800 | 654 |
| Average equity | $159,288,200 | 646 |
| Average total loans | $1,069,990,200 | 691 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1950% | 3,474 |
| Cost of funding earning assets | 1.4603% | 1,706 |
| Net interest margin | 2.7347% | 3,834 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 1.9558% | 3,696 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8355% | 2,914 |
| Return on assets (ROA) | 0.8355% | 2,896 |
| Pretax return on assets | 1.0005% | 2,864 |
| Return on Equity (ROE) | 8.7500% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.6602% | 1,778 |
| Net charge-offs to loans | 0.0009% | 2,607 |
| Credit loss provision to net charge-offs | 6,714.2857% | 82 |
| Earnings coverage of net charge-offs (x) | 1,806.8571% | 76 |
| Efficiency ratio | 65.5855% | 2,320 |
| Assets per employee ($millions) | 9.9042% | 690 |
| Cash dividends to net income (ytd only)* | 1.0391% | 2,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9102% | 3,691 |
| Loan loss allowance to noncurrent loans | 267.0062% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.2706% | 1,920 |
| Noncurrent loans to loans | 0.3409% | 2,008 |
| Net loans and leases to total assets | 65.9600% | 2,244 |
| Net loans and leases to deposits | 77.0683% | 2,325 |
| Net loans and leases to core deposits | 83.6380% | 2,349 |
| Total domestic deposits to total assets | 85.5900% | 2,320 |
| Equity capital to assets | 9.6513% | 2,015 |
| Core capital (leverage) ratio | 11.8924% | 1,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9220% | 823 |
| Memoranda: | ||
| Average total assets | $1,643,238,250 | 669 |
| Average earning assets | $1,543,494,000 | 653 |
| Average equity | $156,882,750 | 648 |
| Average total loans | $1,062,336,500 | 697 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1380% | 3,416 |
| Cost of funding earning assets | 1.2506% | 1,849 |
| Net interest margin | 2.8873% | 3,669 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 1.9481% | 3,716 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.9618% | 2,540 |
| Return on assets (ROA) | 0.9618% | 2,533 |
| Pretax return on assets | 1.1759% | 2,429 |
| Return on Equity (ROE) | 10.1100% | 2,669 |
| Retained earnings to average equity (ytd only) | 9.9741% | 1,409 |
| Net charge-offs to loans | 0.0019% | 2,310 |
| Credit loss provision to net charge-offs | 3,000.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 996.0000% | 149 |
| Efficiency ratio | 61.6377% | 2,754 |
| Assets per employee ($millions) | 9.8430% | 694 |
| Cash dividends to net income (ytd only)* | 1.3543% | 2,876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 3,229 |
| Loan loss allowance to noncurrent loans | 292.6574% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2782% | 1,810 |
| Noncurrent loans to loans | 0.3568% | 1,856 |
| Net loans and leases to total assets | 64.9600% | 2,282 |
| Net loans and leases to deposits | 75.9008% | 2,322 |
| Net loans and leases to core deposits | 82.4412% | 2,297 |
| Total domestic deposits to total assets | 85.5800% | 2,368 |
| Equity capital to assets | 9.7211% | 2,019 |
| Core capital (leverage) ratio | 11.7044% | 1,508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8163% | 841 |
| Memoranda: | ||
| Average total assets | $1,642,950,333 | 656 |
| Average earning assets | $1,546,077,333 | 644 |
| Average equity | $156,284,667 | 650 |
| Average total loans | $1,051,624,667 | 684 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 3,403 |
| Cost of funding earning assets | 0.9975% | 2,061 |
| Net interest margin | 3.0276% | 3,532 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.8674% | 3,922 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 0.9955% | 2,542 |
| Return on assets (ROA) | 0.9955% | 2,510 |
| Pretax return on assets | 1.2322% | 2,347 |
| Return on Equity (ROE) | 10.5800% | 2,613 |
| Retained earnings to average equity (ytd only) | 10.5801% | 1,562 |
| Net charge-offs to loans | 0.0035% | 1,880 |
| Credit loss provision to net charge-offs | 1,666.6667% | 237 |
| Earnings coverage of net charge-offs (x) | 580.5556% | 197 |
| Efficiency ratio | 59.5463% | 3,009 |
| Assets per employee ($millions) | 9.9413% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,276 |
| Loan loss allowance to noncurrent loans | 295.4813% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 1,783 |
| Noncurrent loans to loans | 0.3566% | 1,865 |
| Net loans and leases to total assets | 63.2700% | 2,327 |
| Net loans and leases to deposits | 71.0085% | 2,541 |
| Net loans and leases to core deposits | 77.1460% | 2,445 |
| Total domestic deposits to total assets | 89.1100% | 1,504 |
| Equity capital to assets | 9.7559% | 1,958 |
| Core capital (leverage) ratio | 11.4992% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7372% | 876 |
| Memoranda: | ||
| Average total assets | $1,647,454,000 | 669 |
| Average earning assets | $1,553,557,000 | 650 |
| Average equity | $155,008,000 | 663 |
| Average total loans | $1,041,151,500 | 703 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2647% | 3,677 |
| Cost of funding earning assets | 0.3879% | 2,194 |
| Net interest margin | 2.8767% | 3,737 |
| Noninterest income to average assets | 0.3100% | 3,270 |
| Noninterest expense to average assets | 1.8982% | 3,823 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8923% | 2,996 |
| Return on assets (ROA) | 0.8923% | 2,929 |
| Pretax return on assets | 1.1018% | 2,762 |
| Return on Equity (ROE) | 9.2100% | 3,064 |
| Retained earnings to average equity (ytd only) | 9.1533% | 1,437 |
| Net charge-offs to loans | 0.0016% | 2,498 |
| Credit loss provision to net charge-offs | 4,000.0000% | 158 |
| Earnings coverage of net charge-offs (x) | 1,217.8667% | 147 |
| Efficiency ratio | 62.4941% | 2,698 |
| Assets per employee ($millions) | 9.9077% | 694 |
| Cash dividends to net income (ytd only)* | 0.6569% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,096 |
| Loan loss allowance to noncurrent loans | 268.2567% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.2892% | 1,696 |
| Noncurrent loans to loans | 0.3936% | 1,740 |
| Net loans and leases to total assets | 61.7900% | 2,461 |
| Net loans and leases to deposits | 69.6473% | 2,611 |
| Net loans and leases to core deposits | 70.3384% | 2,850 |
| Total domestic deposits to total assets | 88.7300% | 1,803 |
| Equity capital to assets | 9.0650% | 2,320 |
| Core capital (leverage) ratio | 11.0027% | 1,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3562% | 918 |
| Memoranda: | ||
| Average total assets | $1,603,603,200 | 671 |
| Average earning assets | $1,517,772,400 | 650 |
| Average equity | $155,299,400 | 663 |
| Average total loans | $961,217,800 | 710 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0357% | 3,820 |
| Cost of funding earning assets | 0.2592% | 2,609 |
| Net interest margin | 2.7764% | 3,786 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 1.9330% | 3,663 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.8041% | 3,244 |
| Return on assets (ROA) | 0.8041% | 3,205 |
| Pretax return on assets | 0.9838% | 3,061 |
| Return on Equity (ROE) | 8.1700% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.0869% | 1,965 |
| Net charge-offs to loans | -0.0011% | 3,192 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.4242% | 2,353 |
| Assets per employee ($millions) | 10.2513% | 604 |
| Cash dividends to net income (ytd only)* | 0.9798% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0899% | 3,066 |
| Loan loss allowance to noncurrent loans | 222.6512% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 1,617 |
| Noncurrent loans to loans | 0.4895% | 1,579 |
| Net loans and leases to total assets | 58.2100% | 2,673 |
| Net loans and leases to deposits | 63.9462% | 2,869 |
| Net loans and leases to core deposits | 64.5792% | 3,065 |
| Total domestic deposits to total assets | 91.0300% | 1,229 |
| Equity capital to assets | 8.6795% | 2,422 |
| Core capital (leverage) ratio | 11.1171% | 1,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6717% | 896 |
| Memoranda: | ||
| Average total assets | $1,590,856,250 | 678 |
| Average earning assets | $1,507,500,250 | 658 |
| Average equity | $156,627,250 | 665 |
| Average total loans | $943,181,250 | 722 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8784% | 3,834 |
| Cost of funding earning assets | 0.1851% | 3,112 |
| Net interest margin | 2.6933% | 3,710 |
| Noninterest income to average assets | 0.3307% | 3,179 |
| Noninterest expense to average assets | 1.9504% | 3,572 |
| Loan and lease loss provision to assets | 0.0384% | 1,898 |
| Net operating income to assets | 0.7380% | 3,185 |
| Return on assets (ROA) | 0.7380% | 3,141 |
| Pretax return on assets | 0.8979% | 3,073 |
| Return on Equity (ROE) | 7.1899% | 3,258 |
| Retained earnings to average equity (ytd only) | 7.0726% | 1,962 |
| Net charge-offs to loans | -0.0041% | 3,281 |
| Credit loss provision to net charge-offs | -1,578.9474% | 3,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5634% | 2,302 |
| Assets per employee ($millions) | 9.4579% | 764 |
| Cash dividends to net income (ytd only)* | 1.6322% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,111 |
| Loan loss allowance to noncurrent loans | 249.5662% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3193% | 1,727 |
| Noncurrent loans to loans | 0.4463% | 1,784 |
| Net loans and leases to total assets | 60.5480% | 2,269 |
| Net loans and leases to deposits | 67.3094% | 2,444 |
| Net loans and leases to core deposits | 68.0834% | 2,646 |
| Total domestic deposits to total assets | 89.9548% | 1,725 |
| Equity capital to assets | 9.7001% | 1,882 |
| Core capital (leverage) ratio | 11.5318% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8334% | 878 |
| Memoranda: | ||
| Average total assets | $1,560,738,333 | 676 |
| Average earning assets | $1,481,172,333 | 667 |
| Average equity | $160,196,000 | 662 |
| Average total loans | $927,783,000 | 716 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7707% | 3,800 |
| Cost of funding earning assets | 0.1669% | 3,267 |
| Net interest margin | 2.6038% | 3,651 |
| Noninterest income to average assets | 0.3034% | 3,291 |
| Noninterest expense to average assets | 1.8160% | 3,902 |
| Loan and lease loss provision to assets | 0.0384% | 1,672 |
| Net operating income to assets | 0.7542% | 2,835 |
| Return on assets (ROA) | 0.7542% | 2,827 |
| Pretax return on assets | 0.9282% | 2,668 |
| Return on Equity (ROE) | 7.1516% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.1516% | 1,844 |
| Net charge-offs to loans | -0.0070% | 3,465 |
| Credit loss provision to net charge-offs | -937.5000% | 3,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2606% | 2,863 |
| Assets per employee ($millions) | 9.3650% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,149 |
| Loan loss allowance to noncurrent loans | 255.9405% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 1,872 |
| Noncurrent loans to loans | 0.4455% | 1,914 |
| Net loans and leases to total assets | 58.8597% | 2,199 |
| Net loans and leases to deposits | 65.7699% | 2,356 |
| Net loans and leases to core deposits | 66.5384% | 2,578 |
| Total domestic deposits to total assets | 89.4934% | 1,816 |
| Equity capital to assets | 10.2125% | 1,752 |
| Core capital (leverage) ratio | 11.1706% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9987% | 905 |
| Memoranda: | ||
| Average total assets | $1,560,829,000 | 677 |
| Average earning assets | $1,486,112,000 | 669 |
| Average equity | $164,606,000 | 659 |
| Average total loans | $913,909,500 | 717 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8583% | 4,123 |
| Cost of funding earning assets | 0.2303% | 3,128 |
| Net interest margin | 2.6280% | 4,005 |
| Noninterest income to average assets | 0.4368% | 2,874 |
| Noninterest expense to average assets | 2.0226% | 3,610 |
| Loan and lease loss provision to assets | 0.0464% | 2,133 |
| Net operating income to assets | 0.7325% | 3,538 |
| Return on assets (ROA) | 0.7325% | 3,599 |
| Pretax return on assets | 0.8682% | 3,571 |
| Return on Equity (ROE) | 6.3447% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.2929% | 2,232 |
| Net charge-offs to loans | -0.0069% | 3,633 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8625% | 1,873 |
| Assets per employee ($millions) | 9.5542% | 774 |
| Cash dividends to net income (ytd only)* | 0.8158% | 3,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 3,183 |
| Loan loss allowance to noncurrent loans | 248.5556% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 2,000 |
| Noncurrent loans to loans | 0.4576% | 1,989 |
| Net loans and leases to total assets | 56.9316% | 2,484 |
| Net loans and leases to deposits | 64.0779% | 2,679 |
| Net loans and leases to core deposits | 64.9795% | 2,901 |
| Total domestic deposits to total assets | 88.8475% | 1,598 |
| Equity capital to assets | 10.8730% | 1,877 |
| Core capital (leverage) ratio | 11.1947% | 1,446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0762% | 883 |
| Memoranda: | ||
| Average total assets | $1,455,920,800 | 699 |
| Average earning assets | $1,385,137,600 | 686 |
| Average equity | $168,078,600 | 645 |
| Average total loans | $915,609,200 | 713 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8921% | 4,186 |
| Cost of funding earning assets | 0.2489% | 3,138 |
| Net interest margin | 2.6432% | 4,069 |
| Noninterest income to average assets | 0.4799% | 2,711 |
| Noninterest expense to average assets | 2.1065% | 3,339 |
| Loan and lease loss provision to assets | 0.0491% | 2,015 |
| Net operating income to assets | 0.7096% | 3,741 |
| Return on assets (ROA) | 0.7096% | 3,806 |
| Pretax return on assets | 0.8363% | 3,826 |
| Return on Equity (ROE) | 6.0492% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.9798% | 2,827 |
| Net charge-offs to loans | -0.0067% | 3,524 |
| Credit loss provision to net charge-offs | -1,141.3043% | 3,886 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4070% | 1,560 |
| Assets per employee ($millions) | 8.7818% | 961 |
| Cash dividends to net income (ytd only)* | 1.1465% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1188% | 3,351 |
| Loan loss allowance to noncurrent loans | 225.8337% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 1,794 |
| Noncurrent loans to loans | 0.4954% | 2,070 |
| Net loans and leases to total assets | 59.0913% | 2,363 |
| Net loans and leases to deposits | 66.7376% | 2,564 |
| Net loans and leases to core deposits | 67.6890% | 2,808 |
| Total domestic deposits to total assets | 88.5427% | 1,545 |
| Equity capital to assets | 11.1876% | 1,900 |
| Core capital (leverage) ratio | 11.4992% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3446% | 904 |
| Memoranda: | ||
| Average total assets | $1,425,791,000 | 719 |
| Average earning assets | $1,355,008,500 | 699 |
| Average equity | $167,246,500 | 653 |
| Average total loans | $917,557,250 | 728 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9443% | 4,152 |
| Cost of funding earning assets | 0.2703% | 3,085 |
| Net interest margin | 2.6741% | 4,030 |
| Noninterest income to average assets | 0.5614% | 2,368 |
| Noninterest expense to average assets | 2.1699% | 3,187 |
| Loan and lease loss provision to assets | 0.0538% | 1,963 |
| Net operating income to assets | 0.7549% | 3,629 |
| Return on assets (ROA) | 0.7549% | 3,698 |
| Pretax return on assets | 0.8788% | 3,708 |
| Return on Equity (ROE) | 6.3292% | 3,827 |
| Retained earnings to average equity (ytd only) | 6.2246% | 2,718 |
| Net charge-offs to loans | -0.0137% | 3,811 |
| Credit loss provision to net charge-offs | -595.2381% | 3,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9408% | 1,645 |
| Assets per employee ($millions) | 8.1956% | 1,116 |
| Cash dividends to net income (ytd only)* | 1.6527% | 3,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 3,381 |
| Loan loss allowance to noncurrent loans | 222.8768% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 1,878 |
| Noncurrent loans to loans | 0.4967% | 2,191 |
| Net loans and leases to total assets | 61.7302% | 2,206 |
| Net loans and leases to deposits | 70.1543% | 2,390 |
| Net loans and leases to core deposits | 71.2685% | 2,667 |
| Total domestic deposits to total assets | 87.9921% | 1,824 |
| Equity capital to assets | 11.6713% | 1,538 |
| Core capital (leverage) ratio | 11.9644% | 1,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5568% | 881 |
| Memoranda: | ||
| Average total assets | $1,394,637,667 | 728 |
| Average earning assets | $1,325,255,333 | 710 |
| Average equity | $166,339,667 | 647 |
| Average total loans | $920,775,333 | 730 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9979% | 4,090 |
| Cost of funding earning assets | 0.2905% | 3,095 |
| Net interest margin | 2.7074% | 3,951 |
| Noninterest income to average assets | 0.5292% | 2,486 |
| Noninterest expense to average assets | 2.1586% | 3,241 |
| Loan and lease loss provision to assets | 0.0550% | 2,006 |
| Net operating income to assets | 0.7657% | 3,528 |
| Return on assets (ROA) | 0.7657% | 3,600 |
| Pretax return on assets | 0.8883% | 3,632 |
| Return on Equity (ROE) | 6.3473% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.3473% | 2,781 |
| Net charge-offs to loans | 0.0065% | 1,665 |
| Credit loss provision to net charge-offs | 1,253.3333% | 356 |
| Earnings coverage of net charge-offs (x) | 214.8667% | 381 |
| Efficiency ratio | 69.5886% | 1,751 |
| Assets per employee ($millions) | 7.7582% | 1,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 3,672 |
| Loan loss allowance to noncurrent loans | 213.1935% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 1,996 |
| Noncurrent loans to loans | 0.4903% | 2,382 |
| Net loans and leases to total assets | 66.9135% | 1,675 |
| Net loans and leases to deposits | 76.2949% | 1,880 |
| Net loans and leases to core deposits | 77.6911% | 2,212 |
| Total domestic deposits to total assets | 87.7038% | 1,996 |
| Equity capital to assets | 12.0024% | 1,281 |
| Core capital (leverage) ratio | 12.1577% | 1,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3910% | 867 |
| Memoranda: | ||
| Average total assets | $1,366,649,000 | 734 |
| Average earning assets | $1,298,649,000 | 713 |
| Average equity | $164,856,500 | 649 |
| Average total loans | $928,416,500 | 719 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2761% | 4,364 |
| Cost of funding earning assets | 0.4697% | 3,153 |
| Net interest margin | 2.8064% | 4,256 |
| Noninterest income to average assets | 0.4044% | 3,072 |
| Noninterest expense to average assets | 2.1915% | 3,686 |
| Loan and lease loss provision to assets | 0.0532% | 3,710 |
| Net operating income to assets | 0.6979% | 3,440 |
| Return on assets (ROA) | 0.6979% | 3,575 |
| Pretax return on assets | 0.8162% | 3,595 |
| Return on Equity (ROE) | 5.5570% | 3,727 |
| Retained earnings to average equity (ytd only) | 5.5055% | 2,039 |
| Net charge-offs to loans | 0.1399% | 1,157 |
| Credit loss provision to net charge-offs | 54.0865% | 3,121 |
| Earnings coverage of net charge-offs (x) | 8.8397% | 2,567 |
| Efficiency ratio | 71.5963% | 1,736 |
| Assets per employee ($millions) | 7.5550% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.9259% | 3,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 3,725 |
| Loan loss allowance to noncurrent loans | 209.5061% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 1,873 |
| Noncurrent loans to loans | 0.4958% | 2,487 |
| Net loans and leases to total assets | 67.5450% | 1,883 |
| Net loans and leases to deposits | 77.1424% | 2,161 |
| Net loans and leases to core deposits | 78.5605% | 2,501 |
| Total domestic deposits to total assets | 87.5589% | 1,679 |
| Equity capital to assets | 12.1245% | 1,510 |
| Core capital (leverage) ratio | 11.8987% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1910% | 875 |
| Memoranda: | ||
| Average total assets | $1,268,926,000 | 718 |
| Average earning assets | $1,201,091,200 | 699 |
| Average equity | $159,366,600 | 638 |
| Average total loans | $892,045,600 | 719 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3366% | 4,429 |
| Cost of funding earning assets | 0.5135% | 3,145 |
| Net interest margin | 2.8231% | 4,300 |
| Noninterest income to average assets | 0.4087% | 3,037 |
| Noninterest expense to average assets | 2.2214% | 3,633 |
| Loan and lease loss provision to assets | 0.0522% | 3,703 |
| Net operating income to assets | 0.6939% | 3,477 |
| Return on assets (ROA) | 0.6939% | 3,577 |
| Pretax return on assets | 0.8057% | 3,629 |
| Return on Equity (ROE) | 5.4734% | 3,731 |
| Retained earnings to average equity (ytd only) | 5.4043% | 2,375 |
| Net charge-offs to loans | 0.0054% | 2,947 |
| Credit loss provision to net charge-offs | 1,355.5556% | 668 |
| Earnings coverage of net charge-offs (x) | 223.0556% | 460 |
| Efficiency ratio | 72.1413% | 1,627 |
| Assets per employee ($millions) | 7.4281% | 1,259 |
| Cash dividends to net income (ytd only)* | 1.2625% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1753% | 2,804 |
| Loan loss allowance to noncurrent loans | 120.7144% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6575% | 1,760 |
| Noncurrent loans to loans | 0.9736% | 1,534 |
| Net loans and leases to total assets | 66.7363% | 2,418 |
| Net loans and leases to deposits | 76.2031% | 2,730 |
| Net loans and leases to core deposits | 77.6777% | 3,040 |
| Total domestic deposits to total assets | 87.5769% | 1,406 |
| Equity capital to assets | 12.1018% | 1,622 |
| Core capital (leverage) ratio | 12.4027% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1074% | 774 |
| Memoranda: | ||
| Average total assets | $1,248,071,000 | 715 |
| Average earning assets | $1,180,626,750 | 698 |
| Average equity | $158,217,000 | 635 |
| Average total loans | $884,299,750 | 720 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4804% | 4,438 |
| Cost of funding earning assets | 0.5808% | 3,081 |
| Net interest margin | 2.8996% | 4,306 |
| Noninterest income to average assets | 0.4114% | 3,010 |
| Noninterest expense to average assets | 2.2822% | 3,567 |
| Loan and lease loss provision to assets | 0.0492% | 3,684 |
| Net operating income to assets | 0.7136% | 3,347 |
| Return on assets (ROA) | 0.7136% | 3,459 |
| Pretax return on assets | 0.8204% | 3,532 |
| Return on Equity (ROE) | 5.5369% | 3,662 |
| Retained earnings to average equity (ytd only) | 5.4324% | 2,300 |
| Net charge-offs to loans | 0.0100% | 2,589 |
| Credit loss provision to net charge-offs | 681.8182% | 1,017 |
| Earnings coverage of net charge-offs (x) | 120.4091% | 621 |
| Efficiency ratio | 72.4077% | 1,633 |
| Assets per employee ($millions) | 6.7922% | 1,566 |
| Cash dividends to net income (ytd only)* | 1.8864% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 2,716 |
| Loan loss allowance to noncurrent loans | 115.9782% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7186% | 1,713 |
| Noncurrent loans to loans | 1.0018% | 1,550 |
| Net loans and leases to total assets | 70.8976% | 1,892 |
| Net loans and leases to deposits | 81.7075% | 2,232 |
| Net loans and leases to core deposits | 83.3031% | 2,666 |
| Total domestic deposits to total assets | 86.7701% | 1,708 |
| Equity capital to assets | 12.7675% | 1,247 |
| Core capital (leverage) ratio | 12.8681% | 1,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7004% | 703 |
| Memoranda: | ||
| Average total assets | $1,218,407,667 | 720 |
| Average earning assets | $1,151,525,000 | 702 |
| Average equity | $157,019,667 | 637 |
| Average total loans | $878,094,000 | 710 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7355% | 4,325 |
| Cost of funding earning assets | 0.6643% | 3,090 |
| Net interest margin | 3.0712% | 4,157 |
| Noninterest income to average assets | 0.3625% | 3,347 |
| Noninterest expense to average assets | 2.2991% | 3,772 |
| Loan and lease loss provision to assets | 0.0499% | 3,152 |
| Net operating income to assets | 0.7742% | 3,004 |
| Return on assets (ROA) | 0.7742% | 3,081 |
| Pretax return on assets | 0.9149% | 3,097 |
| Return on Equity (ROE) | 5.9789% | 3,325 |
| Retained earnings to average equity (ytd only) | 5.9789% | 1,883 |
| Net charge-offs to loans | -0.0005% | 3,588 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4402% | 2,288 |
| Assets per employee ($millions) | 6.5203% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1823% | 2,766 |
| Loan loss allowance to noncurrent loans | 228.8282% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.3812% | 2,917 |
| Noncurrent loans to loans | 0.5167% | 2,714 |
| Net loans and leases to total assets | 72.2282% | 1,884 |
| Net loans and leases to deposits | 83.5498% | 2,280 |
| Net loans and leases to core deposits | 85.2541% | 2,737 |
| Total domestic deposits to total assets | 86.4493% | 1,807 |
| Equity capital to assets | 13.1616% | 1,357 |
| Core capital (leverage) ratio | 12.8464% | 1,264 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9817% | 749 |
| Memoranda: | ||
| Average total assets | $1,202,726,000 | 690 |
| Average earning assets | $1,136,225,000 | 668 |
| Average equity | $155,747,500 | 642 |
| Average total loans | $868,904,000 | 695 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0040% | 4,247 |
| Cost of funding earning assets | 0.7463% | 2,937 |
| Net interest margin | 3.2577% | 4,068 |
| Noninterest income to average assets | 0.3561% | 3,568 |
| Noninterest expense to average assets | 2.3195% | 3,896 |
| Loan and lease loss provision to assets | 0.0780% | 2,437 |
| Net operating income to assets | 0.8811% | 3,280 |
| Return on assets (ROA) | 0.8811% | 3,362 |
| Pretax return on assets | 1.0316% | 3,382 |
| Return on Equity (ROE) | 7.0195% | 3,542 |
| Retained earnings to average equity (ytd only) | 6.9684% | 1,405 |
| Net charge-offs to loans | 0.0521% | 2,370 |
| Credit loss provision to net charge-offs | 206.9351% | 1,283 |
| Earnings coverage of net charge-offs (x) | 29.4452% | 1,599 |
| Efficiency ratio | 67.6411% | 2,512 |
| Assets per employee ($millions) | 6.6243% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.7272% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,577 |
| Loan loss allowance to noncurrent loans | 210.1779% | 2,011 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 2,803 |
| Noncurrent loans to loans | 0.5584% | 2,503 |
| Net loans and leases to total assets | 70.5719% | 2,307 |
| Net loans and leases to deposits | 81.1948% | 2,644 |
| Net loans and leases to core deposits | 82.7475% | 3,066 |
| Total domestic deposits to total assets | 86.9169% | 1,651 |
| Equity capital to assets | 12.7408% | 1,681 |
| Core capital (leverage) ratio | 12.5962% | 1,431 |
| Tier 1 risk-based capital ratio | 19.7396% | 1,362 |
| Total risk-based capital ratio | 20.9903% | 1,335 |
| Memoranda: | ||
| Average total assets | $1,186,179,200 | 669 |
| Average earning assets | $1,118,930,400 | 651 |
| Average equity | $148,885,600 | 628 |
| Average total loans | $858,557,000 | 670 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0429% | 4,276 |
| Cost of funding earning assets | 0.7533% | 2,954 |
| Net interest margin | 3.2896% | 4,104 |
| Noninterest income to average assets | 0.3482% | 3,644 |
| Noninterest expense to average assets | 2.3495% | 3,826 |
| Loan and lease loss provision to assets | 0.0876% | 2,164 |
| Net operating income to assets | 0.8749% | 3,430 |
| Return on assets (ROA) | 0.8749% | 3,512 |
| Pretax return on assets | 1.0145% | 3,545 |
| Return on Equity (ROE) | 6.9976% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.9289% | 1,895 |
| Net charge-offs to loans | 0.0576% | 2,003 |
| Credit loss provision to net charge-offs | 209.4595% | 1,259 |
| Earnings coverage of net charge-offs (x) | 26.3541% | 1,744 |
| Efficiency ratio | 68.0703% | 2,408 |
| Assets per employee ($millions) | 6.6439% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.9818% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 2,656 |
| Loan loss allowance to noncurrent loans | 212.9856% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 2,878 |
| Noncurrent loans to loans | 0.5502% | 2,646 |
| Net loans and leases to total assets | 71.5356% | 2,247 |
| Net loans and leases to deposits | 82.3530% | 2,639 |
| Net loans and leases to core deposits | 83.8973% | 3,101 |
| Total domestic deposits to total assets | 86.8646% | 1,590 |
| Equity capital to assets | 12.7649% | 1,746 |
| Core capital (leverage) ratio | 12.8808% | 1,390 |
| Tier 1 risk-based capital ratio | 19.6266% | 1,433 |
| Total risk-based capital ratio | 20.8774% | 1,401 |
| Memoranda: | ||
| Average total assets | $1,179,663,750 | 670 |
| Average earning assets | $1,112,899,500 | 656 |
| Average equity | $147,494,750 | 634 |
| Average total loans | $856,780,750 | 676 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0532% | 4,272 |
| Cost of funding earning assets | 0.7525% | 2,880 |
| Net interest margin | 3.3007% | 4,146 |
| Noninterest income to average assets | 0.3397% | 3,660 |
| Noninterest expense to average assets | 2.3649% | 3,832 |
| Loan and lease loss provision to assets | 0.1063% | 1,762 |
| Net operating income to assets | 0.8588% | 3,436 |
| Return on assets (ROA) | 0.8588% | 3,501 |
| Pretax return on assets | 0.9862% | 3,596 |
| Return on Equity (ROE) | 6.9178% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.8138% | 1,892 |
| Net charge-offs to loans | 0.0907% | 1,453 |
| Credit loss provision to net charge-offs | 161.0825% | 1,417 |
| Earnings coverage of net charge-offs (x) | 16.5619% | 1,926 |
| Efficiency ratio | 68.4024% | 2,465 |
| Assets per employee ($millions) | 6.4217% | 1,278 |
| Cash dividends to net income (ytd only)* | 1.5044% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,824 |
| Loan loss allowance to noncurrent loans | 239.7052% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 3,064 |
| Noncurrent loans to loans | 0.4772% | 2,847 |
| Net loans and leases to total assets | 73.7530% | 1,929 |
| Net loans and leases to deposits | 85.0077% | 2,367 |
| Net loans and leases to core deposits | 86.5112% | 2,925 |
| Total domestic deposits to total assets | 86.7604% | 1,701 |
| Equity capital to assets | 12.8214% | 1,678 |
| Core capital (leverage) ratio | 12.5976% | 1,490 |
| Tier 1 risk-based capital ratio | 18.7963% | 1,602 |
| Total risk-based capital ratio | 20.0464% | 1,567 |
| Memoranda: | ||
| Average total assets | $1,176,467,330 | 673 |
| Average earning assets | $1,111,231,330 | 652 |
| Average equity | $146,057,330 | 635 |
| Average total loans | $855,432,330 | 678 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9916% | 4,386 |
| Cost of funding earning assets | 0.7421% | 2,824 |
| Net interest margin | 3.2495% | 4,278 |
| Noninterest income to average assets | 0.3170% | 3,736 |
| Noninterest expense to average assets | 2.2982% | 4,028 |
| Loan and lease loss provision to assets | 0.0507% | 2,640 |
| Net operating income to assets | 0.8770% | 3,324 |
| Return on assets (ROA) | 0.8770% | 3,371 |
| Pretax return on assets | 1.0389% | 3,312 |
| Return on Equity (ROE) | 7.1798% | 3,600 |
| Retained earnings to average equity (ytd only) | 7.1798% | 1,972 |
| Net charge-offs to loans | 0.0028% | 2,645 |
| Credit loss provision to net charge-offs | 2,500.0000% | 172 |
| Earnings coverage of net charge-offs (x) | 537.3333% | 132 |
| Efficiency ratio | 67.8372% | 2,661 |
| Assets per employee ($millions) | 6.5102% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 2,825 |
| Loan loss allowance to noncurrent loans | 186.6996% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.4539% | 2,785 |
| Noncurrent loans to loans | 0.6181% | 2,475 |
| Net loans and leases to total assets | 70.6494% | 2,384 |
| Net loans and leases to deposits | 80.8151% | 2,751 |
| Net loans and leases to core deposits | 82.1171% | 3,175 |
| Total domestic deposits to total assets | 87.4211% | 1,607 |
| Equity capital to assets | 12.2613% | 1,869 |
| Core capital (leverage) ratio | 12.4740% | 1,532 |
| Tier 1 risk-based capital ratio | 18.8046% | 1,586 |
| Total risk-based capital ratio | 20.0549% | 1,549 |
| Memoranda: | ||
| Average total assets | $1,183,541,000 | 674 |
| Average earning assets | $1,118,457,500 | 652 |
| Average equity | $144,573,000 | 638 |
| Average total loans | $849,566,000 | 686 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 4,341 |
| Cost of funding earning assets | 0.6176% | 2,603 |
| Net interest margin | 3.2510% | 4,382 |
| Noninterest income to average assets | 0.3380% | 3,857 |
| Noninterest expense to average assets | 2.4062% | 3,863 |
| Loan and lease loss provision to assets | 0.0799% | 2,524 |
| Net operating income to assets | 0.7893% | 3,846 |
| Return on assets (ROA) | 0.7893% | 3,847 |
| Pretax return on assets | 0.9143% | 3,853 |
| Return on Equity (ROE) | 6.4272% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.3708% | 1,992 |
| Net charge-offs to loans | -0.0004% | 4,155 |
| Credit loss provision to net charge-offs | -30,000.0000% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7617% | 2,075 |
| Assets per employee ($millions) | 6.4600% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.8778% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1423% | 2,866 |
| Loan loss allowance to noncurrent loans | 693.5530% | 822 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 4,178 |
| Noncurrent loans to loans | 0.1647% | 4,008 |
| Net loans and leases to total assets | 71.2698% | 2,383 |
| Net loans and leases to deposits | 81.8718% | 2,752 |
| Net loans and leases to core deposits | 83.1912% | 3,165 |
| Total domestic deposits to total assets | 87.0505% | 1,766 |
| Equity capital to assets | 12.1687% | 1,780 |
| Core capital (leverage) ratio | 12.1695% | 1,627 |
| Tier 1 risk-based capital ratio | 18.3979% | 1,646 |
| Total risk-based capital ratio | 19.6442% | 1,596 |
| Memoranda: | ||
| Average total assets | $1,125,785,400 | 683 |
| Average earning assets | $1,060,504,600 | 662 |
| Average equity | $138,256,200 | 629 |
| Average total loans | $822,446,400 | 680 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7649% | 4,513 |
| Cost of funding earning assets | 0.5692% | 2,712 |
| Net interest margin | 3.1957% | 4,520 |
| Noninterest income to average assets | 0.3357% | 3,915 |
| Noninterest expense to average assets | 2.4430% | 3,753 |
| Loan and lease loss provision to assets | 0.0808% | 2,338 |
| Net operating income to assets | 0.7196% | 4,167 |
| Return on assets (ROA) | 0.7196% | 4,179 |
| Pretax return on assets | 0.8201% | 4,241 |
| Return on Equity (ROE) | 5.8458% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.7699% | 2,779 |
| Net charge-offs to loans | -0.0007% | 4,000 |
| Credit loss provision to net charge-offs | -16,875.0000% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0571% | 1,724 |
| Assets per employee ($millions) | 6.5577% | 1,161 |
| Cash dividends to net income (ytd only)* | 1.2981% | 3,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1333% | 3,008 |
| Loan loss allowance to noncurrent loans | 259.2654% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3228% | 3,391 |
| Noncurrent loans to loans | 0.4371% | 3,088 |
| Net loans and leases to total assets | 70.6878% | 2,542 |
| Net loans and leases to deposits | 80.5485% | 2,977 |
| Net loans and leases to core deposits | 81.8145% | 3,339 |
| Total domestic deposits to total assets | 87.7581% | 1,359 |
| Equity capital to assets | 11.9788% | 1,922 |
| Core capital (leverage) ratio | 12.2745% | 1,635 |
| Tier 1 risk-based capital ratio | 18.3145% | 1,717 |
| Total risk-based capital ratio | 19.5513% | 1,675 |
| Memoranda: | ||
| Average total assets | $1,113,302,750 | 686 |
| Average earning assets | $1,048,015,500 | 670 |
| Average equity | $137,053,000 | 629 |
| Average total loans | $816,154,750 | 683 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7253% | 4,523 |
| Cost of funding earning assets | 0.5214% | 2,824 |
| Net interest margin | 3.2039% | 4,495 |
| Noninterest income to average assets | 0.3382% | 3,926 |
| Noninterest expense to average assets | 2.4811% | 3,678 |
| Loan and lease loss provision to assets | 0.0822% | 2,266 |
| Net operating income to assets | 0.6968% | 4,202 |
| Return on assets (ROA) | 0.6968% | 4,207 |
| Pretax return on assets | 0.7888% | 4,278 |
| Return on Equity (ROE) | 5.6064% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.4918% | 2,828 |
| Net charge-offs to loans | 0.0136% | 2,682 |
| Credit loss provision to net charge-offs | 818.1818% | 492 |
| Earnings coverage of net charge-offs (x) | 86.7273% | 777 |
| Efficiency ratio | 74.0168% | 1,706 |
| Assets per employee ($millions) | 6.2200% | 1,321 |
| Cash dividends to net income (ytd only)* | 2.0440% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1137% | 3,187 |
| Loan loss allowance to noncurrent loans | 307.2338% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.2774% | 3,663 |
| Noncurrent loans to loans | 0.3625% | 3,396 |
| Net loans and leases to total assets | 72.7557% | 2,158 |
| Net loans and leases to deposits | 83.2506% | 2,616 |
| Net loans and leases to core deposits | 84.5946% | 3,032 |
| Total domestic deposits to total assets | 87.3936% | 1,688 |
| Equity capital to assets | 12.3034% | 1,660 |
| Core capital (leverage) ratio | 12.6198% | 1,374 |
| Tier 1 risk-based capital ratio | 18.2137% | 1,749 |
| Total risk-based capital ratio | 19.4258% | 1,711 |
| Memoranda: | ||
| Average total assets | $1,095,313,670 | 699 |
| Average earning assets | $1,030,370,330 | 684 |
| Average equity | $136,129,000 | 627 |
| Average total loans | $810,014,330 | 683 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6673% | 4,551 |
| Cost of funding earning assets | 0.4786% | 2,978 |
| Net interest margin | 3.1887% | 4,504 |
| Noninterest income to average assets | 0.3246% | 3,983 |
| Noninterest expense to average assets | 2.4170% | 3,903 |
| Loan and lease loss provision to assets | 0.0831% | 2,131 |
| Net operating income to assets | 0.7818% | 3,782 |
| Return on assets (ROA) | 0.7818% | 3,782 |
| Pretax return on assets | 0.8235% | 4,096 |
| Return on Equity (ROE) | 6.2578% | 4,075 |
| Retained earnings to average equity (ytd only) | 6.2578% | 2,603 |
| Net charge-offs to loans | 0.0254% | 1,996 |
| Credit loss provision to net charge-offs | 441.1765% | 648 |
| Earnings coverage of net charge-offs (x) | 48.1373% | 967 |
| Efficiency ratio | 72.7222% | 2,088 |
| Assets per employee ($millions) | 5.9688% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1164% | 3,282 |
| Loan loss allowance to noncurrent loans | 273.9596% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.4159% | 3,168 |
| Noncurrent loans to loans | 0.4075% | 3,326 |
| Net loans and leases to total assets | 73.8096% | 1,894 |
| Net loans and leases to deposits | 84.7704% | 2,312 |
| Net loans and leases to core deposits | 92.1252% | 2,291 |
| Total domestic deposits to total assets | 87.0700% | 2,096 |
| Equity capital to assets | 12.6904% | 1,386 |
| Core capital (leverage) ratio | 12.6590% | 1,313 |
| Tier 1 risk-based capital ratio | 18.4875% | 1,697 |
| Total risk-based capital ratio | 19.7023% | 1,671 |
| Memoranda: | ||
| Average total assets | $1,083,170,500 | 705 |
| Average earning assets | $1,018,723,500 | 696 |
| Average equity | $135,319,000 | 632 |
| Average total loans | $803,148,000 | 685 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4885% | 4,802 |
| Cost of funding earning assets | 0.3523% | 3,693 |
| Net interest margin | 3.1362% | 4,614 |
| Noninterest income to average assets | 0.3477% | 3,976 |
| Noninterest expense to average assets | 2.3358% | 4,240 |
| Loan and lease loss provision to assets | 0.1077% | 2,086 |
| Net operating income to assets | 0.5878% | 4,068 |
| Return on assets (ROA) | 0.5878% | 4,101 |
| Pretax return on assets | 0.8522% | 4,085 |
| Return on Equity (ROE) | 4.7746% | 4,258 |
| Retained earnings to average equity (ytd only) | 4.7176% | 2,313 |
| Net charge-offs to loans | 0.0588% | 2,633 |
| Credit loss provision to net charge-offs | 249.4577% | 1,110 |
| Earnings coverage of net charge-offs (x) | 22.2321% | 1,861 |
| Efficiency ratio | 70.8736% | 2,420 |
| Assets per employee ($millions) | 6.0665% | 1,473 |
| Cash dividends to net income (ytd only)* | 1.1950% | 4,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0914% | 3,400 |
| Loan loss allowance to noncurrent loans | 293.6120% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 3,314 |
| Noncurrent loans to loans | 0.3717% | 3,428 |
| Net loans and leases to total assets | 72.8568% | 2,113 |
| Net loans and leases to deposits | 84.2049% | 2,473 |
| Net loans and leases to core deposits | 92.2516% | 2,352 |
| Total domestic deposits to total assets | 86.5232% | 2,220 |
| Equity capital to assets | 12.2985% | 1,641 |
| Core capital (leverage) ratio | 12.4026% | 1,399 |
| Tier 1 risk-based capital ratio | 18.4769% | 1,658 |
| Total risk-based capital ratio | 19.6861% | 1,623 |
| Memoranda: | ||
| Average total assets | $1,067,681,600 | 692 |
| Average earning assets | $1,003,637,000 | 676 |
| Average equity | $131,444,200 | 627 |
| Average total loans | $783,571,200 | 672 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4548% | 4,888 |
| Cost of funding earning assets | 0.3288% | 3,854 |
| Net interest margin | 3.1260% | 4,635 |
| Noninterest income to average assets | 0.3520% | 4,012 |
| Noninterest expense to average assets | 2.3330% | 4,206 |
| Loan and lease loss provision to assets | 0.1162% | 1,860 |
| Net operating income to assets | 0.6509% | 4,188 |
| Return on assets (ROA) | 0.6509% | 4,240 |
| Pretax return on assets | 0.8392% | 4,241 |
| Return on Equity (ROE) | 5.2860% | 4,419 |
| Retained earnings to average equity (ytd only) | 5.2095% | 2,735 |
| Net charge-offs to loans | 0.0757% | 2,058 |
| Credit loss provision to net charge-offs | 209.2760% | 1,304 |
| Earnings coverage of net charge-offs (x) | 17.2104% | 2,112 |
| Efficiency ratio | 70.9468% | 2,375 |
| Assets per employee ($millions) | 6.0973% | 1,428 |
| Cash dividends to net income (ytd only)* | 1.4471% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 3,637 |
| Loan loss allowance to noncurrent loans | 271.3833% | 1,724 |
| Noncurrent assets plus other real estate owned to assets | 0.3937% | 3,457 |
| Noncurrent loans to loans | 0.3960% | 3,536 |
| Net loans and leases to total assets | 73.5292% | 1,991 |
| Net loans and leases to deposits | 85.1568% | 2,415 |
| Net loans and leases to core deposits | 95.1530% | 2,157 |
| Total domestic deposits to total assets | 86.3456% | 2,150 |
| Equity capital to assets | 12.4227% | 1,702 |
| Core capital (leverage) ratio | 12.6587% | 1,349 |
| Tier 1 risk-based capital ratio | 18.2367% | 1,794 |
| Total risk-based capital ratio | 19.4117% | 1,767 |
| Memoranda: | ||
| Average total assets | $1,061,611,750 | 700 |
| Average earning assets | $997,205,000 | 684 |
| Average equity | $130,731,500 | 632 |
| Average total loans | $778,377,250 | 675 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 4,958 |
| Cost of funding earning assets | 0.3074% | 4,013 |
| Net interest margin | 3.1022% | 4,678 |
| Noninterest income to average assets | 0.3592% | 3,990 |
| Noninterest expense to average assets | 2.3385% | 4,247 |
| Loan and lease loss provision to assets | 0.1324% | 1,574 |
| Net operating income to assets | 0.6266% | 4,176 |
| Return on assets (ROA) | 0.6266% | 4,225 |
| Pretax return on assets | 0.8017% | 4,272 |
| Return on Equity (ROE) | 5.1035% | 4,435 |
| Retained earnings to average equity (ytd only) | 4.9880% | 2,720 |
| Net charge-offs to loans | 0.1109% | 1,526 |
| Credit loss provision to net charge-offs | 163.5514% | 1,443 |
| Earnings coverage of net charge-offs (x) | 11.5421% | 2,267 |
| Efficiency ratio | 71.4583% | 2,446 |
| Assets per employee ($millions) | 6.1428% | 1,364 |
| Cash dividends to net income (ytd only)* | 2.2631% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 3,719 |
| Loan loss allowance to noncurrent loans | 205.4545% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4724% | 3,213 |
| Noncurrent loans to loans | 0.5227% | 3,189 |
| Net loans and leases to total assets | 70.8429% | 2,399 |
| Net loans and leases to deposits | 88.5788% | 1,913 |
| Net loans and leases to core deposits | 101.5645% | 1,541 |
| Total domestic deposits to total assets | 79.9772% | 4,415 |
| Equity capital to assets | 12.0891% | 1,871 |
| Core capital (leverage) ratio | 12.7759% | 1,265 |
| Tier 1 risk-based capital ratio | 18.4827% | 1,718 |
| Total risk-based capital ratio | 19.6608% | 1,703 |
| Memoranda: | ||
| Average total assets | $1,057,773,000 | 706 |
| Average earning assets | $993,346,330 | 689 |
| Average equity | $129,871,330 | 637 |
| Average total loans | $771,958,000 | 684 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4441% | 4,844 |
| Cost of funding earning assets | 0.3019% | 4,020 |
| Net interest margin | 3.1422% | 4,524 |
| Noninterest income to average assets | 0.3241% | 4,225 |
| Noninterest expense to average assets | 2.3386% | 4,293 |
| Loan and lease loss provision to assets | 0.0575% | 2,653 |
| Net operating income to assets | 0.6608% | 3,877 |
| Return on assets (ROA) | 0.6608% | 3,919 |
| Pretax return on assets | 0.8732% | 3,856 |
| Return on Equity (ROE) | 5.3391% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.3391% | 2,711 |
| Net charge-offs to loans | 0.0010% | 2,925 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 1,213.5000% | 33 |
| Efficiency ratio | 71.5308% | 2,659 |
| Assets per employee ($millions) | 5.9613% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 3,832 |
| Loan loss allowance to noncurrent loans | 518.4393% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 4,180 |
| Noncurrent loans to loans | 0.2080% | 4,371 |
| Net loans and leases to total assets | 73.2719% | 1,860 |
| Net loans and leases to deposits | 88.3105% | 1,757 |
| Net loans and leases to core deposits | 100.7527% | 1,459 |
| Total domestic deposits to total assets | 82.9707% | 3,852 |
| Equity capital to assets | 12.5994% | 1,462 |
| Core capital (leverage) ratio | 12.5652% | 1,306 |
| Tier 1 risk-based capital ratio | 18.6747% | 1,697 |
| Total risk-based capital ratio | 19.8611% | 1,672 |
| Memoranda: | ||
| Average total assets | $1,043,020,500 | 718 |
| Average earning assets | $977,670,000 | 700 |
| Average equity | $129,086,000 | 635 |
| Average total loans | $768,626,500 | 687 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3943% | 4,994 |
| Cost of funding earning assets | 0.2720% | 4,341 |
| Net interest margin | 3.1223% | 4,666 |
| Noninterest income to average assets | 0.3670% | 4,120 |
| Noninterest expense to average assets | 2.2159% | 4,740 |
| Loan and lease loss provision to assets | 0.0557% | 3,267 |
| Net operating income to assets | 0.7532% | 3,524 |
| Return on assets (ROA) | 0.7532% | 3,643 |
| Pretax return on assets | 1.0326% | 3,352 |
| Return on Equity (ROE) | 6.5209% | 3,732 |
| Retained earnings to average equity (ytd only) | 6.4711% | 1,470 |
| Net charge-offs to loans | 0.0863% | 2,466 |
| Credit loss provision to net charge-offs | 88.4956% | 2,829 |
| Earnings coverage of net charge-offs (x) | 17.2891% | 2,056 |
| Efficiency ratio | 67.0629% | 3,430 |
| Assets per employee ($millions) | 6.2411% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.7643% | 4,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 4,034 |
| Loan loss allowance to noncurrent loans | 1,141.0437% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 4,416 |
| Noncurrent loans to loans | 0.0917% | 4,871 |
| Net loans and leases to total assets | 72.5555% | 2,084 |
| Net loans and leases to deposits | 88.7013% | 1,844 |
| Net loans and leases to core deposits | 102.5849% | 1,405 |
| Total domestic deposits to total assets | 81.7975% | 4,130 |
| Equity capital to assets | 12.1579% | 1,699 |
| Core capital (leverage) ratio | 12.0175% | 1,587 |
| Tier 1 risk-based capital ratio | 18.1139% | 1,824 |
| Total risk-based capital ratio | 19.2592% | 1,805 |
| Memoranda: | ||
| Average total assets | $1,077,069,400 | 670 |
| Average earning assets | $1,013,238,200 | 653 |
| Average equity | $124,400,200 | 643 |
| Average total loans | $785,535,000 | 637 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3726% | 5,078 |
| Cost of funding earning assets | 0.2671% | 4,424 |
| Net interest margin | 3.1055% | 4,763 |
| Noninterest income to average assets | 0.3614% | 4,195 |
| Noninterest expense to average assets | 2.2372% | 4,675 |
| Loan and lease loss provision to assets | 0.0554% | 3,143 |
| Net operating income to assets | 0.7278% | 3,706 |
| Return on assets (ROA) | 0.7278% | 3,836 |
| Pretax return on assets | 0.9940% | 3,654 |
| Return on Equity (ROE) | 6.3834% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.3165% | 2,001 |
| Net charge-offs to loans | 0.0558% | 2,562 |
| Credit loss provision to net charge-offs | 136.3636% | 1,905 |
| Earnings coverage of net charge-offs (x) | 25.8212% | 1,621 |
| Efficiency ratio | 68.0706% | 3,213 |
| Assets per employee ($millions) | 6.4042% | 1,171 |
| Cash dividends to net income (ytd only)* | 1.0490% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0374% | 4,200 |
| Loan loss allowance to noncurrent loans | 625.5094% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.2570% | 4,414 |
| Noncurrent loans to loans | 0.1658% | 4,694 |
| Net loans and leases to total assets | 72.6217% | 2,087 |
| Net loans and leases to deposits | 90.2875% | 1,714 |
| Net loans and leases to core deposits | 104.2295% | 1,325 |
| Total domestic deposits to total assets | 80.4338% | 4,409 |
| Equity capital to assets | 11.6130% | 2,424 |
| Core capital (leverage) ratio | 11.6957% | 1,891 |
| Tier 1 risk-based capital ratio | 17.1897% | 2,171 |
| Total risk-based capital ratio | 18.3226% | 2,159 |
| Memoranda: | ||
| Average total assets | $1,082,651,250 | 664 |
| Average earning assets | $1,019,755,750 | 648 |
| Average equity | $123,441,500 | 648 |
| Average total loans | $788,578,000 | 636 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3577% | 5,169 |
| Cost of funding earning assets | 0.2625% | 4,520 |
| Net interest margin | 3.0953% | 4,847 |
| Noninterest income to average assets | 0.3570% | 4,216 |
| Noninterest expense to average assets | 2.2594% | 4,713 |
| Loan and lease loss provision to assets | 0.0555% | 3,037 |
| Net operating income to assets | 0.7064% | 3,759 |
| Return on assets (ROA) | 0.7064% | 3,908 |
| Pretax return on assets | 0.9602% | 3,739 |
| Return on Equity (ROE) | 6.2347% | 3,945 |
| Retained earnings to average equity (ytd only) | 6.1334% | 2,051 |
| Net charge-offs to loans | 0.0117% | 3,311 |
| Credit loss provision to net charge-offs | 652.1739% | 528 |
| Earnings coverage of net charge-offs (x) | 119.3043% | 492 |
| Efficiency ratio | 68.9873% | 3,152 |
| Assets per employee ($millions) | 6.5211% | 1,074 |
| Cash dividends to net income (ytd only)* | 1.6243% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 4,168 |
| Loan loss allowance to noncurrent loans | 270.7168% | 1,781 |
| Noncurrent assets plus other real estate owned to assets | 0.2885% | 4,340 |
| Noncurrent loans to loans | 0.3916% | 3,959 |
| Net loans and leases to total assets | 72.6018% | 2,066 |
| Net loans and leases to deposits | 91.2346% | 1,603 |
| Net loans and leases to core deposits | 105.4257% | 1,226 |
| Total domestic deposits to total assets | 79.5771% | 4,651 |
| Equity capital to assets | 11.5015% | 2,549 |
| Core capital (leverage) ratio | 11.5623% | 1,944 |
| Tier 1 risk-based capital ratio | 16.8982% | 2,256 |
| Total risk-based capital ratio | 18.0491% | 2,260 |
| Memoranda: | ||
| Average total assets | $1,080,632,330 | 664 |
| Average earning assets | $1,018,786,000 | 648 |
| Average equity | $122,444,670 | 652 |
| Average total loans | $785,128,670 | 636 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 5,234 |
| Cost of funding earning assets | 0.2637% | 4,562 |
| Net interest margin | 3.0803% | 4,917 |
| Noninterest income to average assets | 0.3175% | 4,460 |
| Noninterest expense to average assets | 2.2736% | 4,730 |
| Loan and lease loss provision to assets | 0.0556% | 2,833 |
| Net operating income to assets | 0.6646% | 3,905 |
| Return on assets (ROA) | 0.6646% | 4,028 |
| Pretax return on assets | 0.8925% | 3,870 |
| Return on Equity (ROE) | 5.9103% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.9103% | 2,419 |
| Net charge-offs to loans | 0.0087% | 2,832 |
| Credit loss provision to net charge-offs | 882.3529% | 409 |
| Earnings coverage of net charge-offs (x) | 150.5294% | 397 |
| Efficiency ratio | 70.5727% | 3,033 |
| Assets per employee ($millions) | 6.5410% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0614% | 4,278 |
| Loan loss allowance to noncurrent loans | 308.5874% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 4,509 |
| Noncurrent loans to loans | 0.3440% | 4,205 |
| Net loans and leases to total assets | 72.1303% | 2,016 |
| Net loans and leases to deposits | 87.9725% | 1,827 |
| Net loans and leases to core deposits | 103.6816% | 1,207 |
| Total domestic deposits to total assets | 81.9919% | 4,231 |
| Equity capital to assets | 11.4230% | 2,514 |
| Core capital (leverage) ratio | 11.3600% | 2,083 |
| Tier 1 risk-based capital ratio | 16.7411% | 2,381 |
| Total risk-based capital ratio | 17.8831% | 2,374 |
| Memoranda: | ||
| Average total assets | $1,079,693,500 | 667 |
| Average earning assets | $1,017,960,500 | 647 |
| Average equity | $121,414,500 | 661 |
| Average total loans | $780,521,000 | 639 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 5,426 |
| Cost of funding earning assets | 0.2485% | 4,801 |
| Net interest margin | 3.0054% | 5,125 |
| Noninterest income to average assets | 0.3470% | 4,428 |
| Noninterest expense to average assets | 2.1162% | 5,224 |
| Loan and lease loss provision to assets | 0.0756% | 2,761 |
| Net operating income to assets | 0.7240% | 3,695 |
| Return on assets (ROA) | 0.7252% | 3,789 |
| Pretax return on assets | 0.9917% | 3,507 |
| Return on Equity (ROE) | 6.6613% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.6613% | 1,464 |
| Net charge-offs to loans | 0.0128% | 4,044 |
| Credit loss provision to net charge-offs | 852.6316% | 403 |
| Earnings coverage of net charge-offs (x) | 120.2000% | 503 |
| Efficiency ratio | 66.5103% | 3,826 |
| Assets per employee ($millions) | 6.4299% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0485% | 4,331 |
| Loan loss allowance to noncurrent loans | 249.4808% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 4,288 |
| Noncurrent loans to loans | 0.4203% | 3,948 |
| Net loans and leases to total assets | 70.9341% | 2,213 |
| Net loans and leases to deposits | 86.4077% | 2,073 |
| Net loans and leases to core deposits | 101.8497% | 1,374 |
| Total domestic deposits to total assets | 82.0923% | 4,148 |
| Equity capital to assets | 11.0699% | 2,751 |
| Core capital (leverage) ratio | 11.2126% | 2,202 |
| Tier 1 risk-based capital ratio | 16.5272% | 2,463 |
| Total risk-based capital ratio | 17.6531% | 2,481 |
| Memoranda: | ||
| Average total assets | $1,071,642,400 | 654 |
| Average earning assets | $1,010,775,400 | 634 |
| Average equity | $116,673,200 | 657 |
| Average total loans | $744,363,600 | 630 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2388% | 5,525 |
| Cost of funding earning assets | 0.2491% | 4,889 |
| Net interest margin | 2.9897% | 5,220 |
| Noninterest income to average assets | 0.3586% | 4,374 |
| Noninterest expense to average assets | 2.1160% | 5,241 |
| Loan and lease loss provision to assets | 0.0824% | 2,523 |
| Net operating income to assets | 0.7188% | 3,825 |
| Return on assets (ROA) | 0.7204% | 3,920 |
| Pretax return on assets | 0.9826% | 3,679 |
| Return on Equity (ROE) | 6.6453% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.6453% | 1,867 |
| Net charge-offs to loans | 0.0116% | 3,770 |
| Credit loss provision to net charge-offs | 1,031.2500% | 354 |
| Earnings coverage of net charge-offs (x) | 133.0019% | 505 |
| Efficiency ratio | 66.5672% | 3,790 |
| Assets per employee ($millions) | 6.1961% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 4,419 |
| Loan loss allowance to noncurrent loans | 239.6962% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.3483% | 4,381 |
| Noncurrent loans to loans | 0.4430% | 4,019 |
| Net loans and leases to total assets | 70.7812% | 2,268 |
| Net loans and leases to deposits | 83.7689% | 2,433 |
| Net loans and leases to core deposits | 98.6944% | 1,636 |
| Total domestic deposits to total assets | 84.4958% | 3,223 |
| Equity capital to assets | 11.2172% | 2,782 |
| Core capital (leverage) ratio | 11.1518% | 2,349 |
| Tier 1 risk-based capital ratio | 16.3365% | 2,654 |
| Total risk-based capital ratio | 17.4517% | 2,669 |
| Memoranda: | ||
| Average total assets | $1,067,887,750 | 662 |
| Average earning assets | $1,007,359,000 | 641 |
| Average equity | $115,768,500 | 665 |
| Average total loans | $735,709,250 | 638 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2183% | 5,592 |
| Cost of funding earning assets | 0.2504% | 4,937 |
| Net interest margin | 2.9679% | 5,296 |
| Noninterest income to average assets | 0.3587% | 4,378 |
| Noninterest expense to average assets | 2.1004% | 5,341 |
| Loan and lease loss provision to assets | 0.0953% | 2,222 |
| Net operating income to assets | 0.7057% | 3,864 |
| Return on assets (ROA) | 0.7082% | 3,976 |
| Pretax return on assets | 0.9669% | 3,711 |
| Return on Equity (ROE) | 6.6079% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.6079% | 1,896 |
| Net charge-offs to loans | 0.0231% | 3,204 |
| Credit loss provision to net charge-offs | 607.1429% | 543 |
| Earnings coverage of net charge-offs (x) | 67.4762% | 786 |
| Efficiency ratio | 66.4853% | 3,923 |
| Assets per employee ($millions) | 6.1911% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 4,526 |
| Loan loss allowance to noncurrent loans | 407.8157% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 0.2157% | 5,003 |
| Noncurrent loans to loans | 0.2605% | 4,743 |
| Net loans and leases to total assets | 69.7237% | 2,358 |
| Net loans and leases to deposits | 81.6483% | 2,606 |
| Net loans and leases to core deposits | 96.3372% | 1,771 |
| Total domestic deposits to total assets | 85.3951% | 2,969 |
| Equity capital to assets | 11.0760% | 2,812 |
| Core capital (leverage) ratio | 10.9167% | 2,509 |
| Tier 1 risk-based capital ratio | 16.3214% | 2,703 |
| Total risk-based capital ratio | 17.4308% | 2,718 |
| Memoranda: | ||
| Average total assets | $1,070,671,330 | 663 |
| Average earning assets | $1,010,275,330 | 643 |
| Average equity | $114,741,330 | 675 |
| Average total loans | $728,278,330 | 644 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 5,652 |
| Cost of funding earning assets | 0.2505% | 5,019 |
| Net interest margin | 2.9478% | 5,348 |
| Noninterest income to average assets | 0.3171% | 4,651 |
| Noninterest expense to average assets | 2.0286% | 5,524 |
| Loan and lease loss provision to assets | 0.0445% | 3,035 |
| Net operating income to assets | 0.7457% | 3,561 |
| Return on assets (ROA) | 0.7457% | 3,692 |
| Pretax return on assets | 1.0291% | 3,384 |
| Return on Equity (ROE) | 7.0740% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.0740% | 1,980 |
| Net charge-offs to loans | 0.0360% | 2,490 |
| Credit loss provision to net charge-offs | 184.6154% | 1,107 |
| Earnings coverage of net charge-offs (x) | 44.5846% | 907 |
| Efficiency ratio | 65.3929% | 4,256 |
| Assets per employee ($millions) | 6.2631% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0407% | 4,819 |
| Loan loss allowance to noncurrent loans | 495.2507% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1743% | 5,255 |
| Noncurrent loans to loans | 0.2101% | 5,028 |
| Net loans and leases to total assets | 66.6615% | 2,658 |
| Net loans and leases to deposits | 76.1207% | 3,040 |
| Net loans and leases to core deposits | 89.8517% | 2,147 |
| Total domestic deposits to total assets | 87.5734% | 2,061 |
| Equity capital to assets | 10.7408% | 3,275 |
| Core capital (leverage) ratio | 10.6830% | 2,763 |
| Tier 1 risk-based capital ratio | 16.5655% | 2,657 |
| Total risk-based capital ratio | 17.6551% | 2,676 |
| Memoranda: | ||
| Average total assets | $1,079,761,000 | 657 |
| Average earning assets | $1,020,161,000 | 631 |
| Average equity | $113,825,000 | 675 |
| Average total loans | $721,560,000 | 645 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2439% | 5,777 |
| Cost of funding earning assets | 0.2806% | 4,998 |
| Net interest margin | 2.9633% | 5,526 |
| Noninterest income to average assets | 0.3885% | 4,274 |
| Noninterest expense to average assets | 2.1462% | 5,463 |
| Loan and lease loss provision to assets | 0.0307% | 3,989 |
| Net operating income to assets | 0.7184% | 3,801 |
| Return on assets (ROA) | 0.7160% | 3,924 |
| Pretax return on assets | 0.9871% | 3,555 |
| Return on Equity (ROE) | 6.7564% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.7564% | 1,515 |
| Net charge-offs to loans | 0.0149% | 4,582 |
| Credit loss provision to net charge-offs | 311.8812% | 838 |
| Earnings coverage of net charge-offs (x) | 103.5941% | 504 |
| Efficiency ratio | 67.7595% | 3,935 |
| Assets per employee ($millions) | 6.3657% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 4,889 |
| Loan loss allowance to noncurrent loans | 460.3459% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 5,314 |
| Noncurrent loans to loans | 0.2243% | 5,022 |
| Net loans and leases to total assets | 65.6133% | 2,962 |
| Net loans and leases to deposits | 74.1754% | 3,414 |
| Net loans and leases to core deposits | 89.6141% | 2,322 |
| Total domestic deposits to total assets | 88.4569% | 1,542 |
| Equity capital to assets | 10.3458% | 3,668 |
| Core capital (leverage) ratio | 10.5018% | 2,943 |
| Tier 1 risk-based capital ratio | 15.8912% | 3,015 |
| Total risk-based capital ratio | 16.9487% | 3,058 |
| Memoranda: | ||
| Average total assets | $1,024,583,400 | 659 |
| Average earning assets | $960,831,600 | 639 |
| Average equity | $108,578,000 | 674 |
| Average total loans | $679,780,600 | 636 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2473% | 5,846 |
| Cost of funding earning assets | 0.2871% | 5,024 |
| Net interest margin | 2.9603% | 5,588 |
| Noninterest income to average assets | 0.3908% | 4,317 |
| Noninterest expense to average assets | 2.1661% | 5,417 |
| Loan and lease loss provision to assets | 0.0258% | 3,893 |
| Net operating income to assets | 0.7087% | 3,895 |
| Return on assets (ROA) | 0.7054% | 4,020 |
| Pretax return on assets | 0.9686% | 3,721 |
| Return on Equity (ROE) | 6.6139% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.6139% | 2,034 |
| Net charge-offs to loans | 0.0098% | 4,392 |
| Credit loss provision to net charge-offs | 397.9592% | 705 |
| Earnings coverage of net charge-offs (x) | 154.2080% | 404 |
| Efficiency ratio | 68.4404% | 3,775 |
| Assets per employee ($millions) | 6.1499% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0455% | 5,013 |
| Loan loss allowance to noncurrent loans | 259.2138% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 5,044 |
| Noncurrent loans to loans | 0.4033% | 4,695 |
| Net loans and leases to total assets | 66.4657% | 2,780 |
| Net loans and leases to deposits | 74.5737% | 3,361 |
| Net loans and leases to core deposits | 89.7953% | 2,242 |
| Total domestic deposits to total assets | 89.1276% | 1,163 |
| Equity capital to assets | 10.5137% | 3,538 |
| Core capital (leverage) ratio | 10.7195% | 2,797 |
| Tier 1 risk-based capital ratio | 16.4421% | 2,836 |
| Total risk-based capital ratio | 17.5461% | 2,856 |
| Memoranda: | ||
| Average total assets | $1,008,596,750 | 665 |
| Average earning assets | $945,200,000 | 647 |
| Average equity | $107,568,250 | 680 |
| Average total loans | $669,307,500 | 646 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2523% | 5,870 |
| Cost of funding earning assets | 0.2930% | 5,034 |
| Net interest margin | 2.9593% | 5,611 |
| Noninterest income to average assets | 0.3842% | 4,373 |
| Noninterest expense to average assets | 2.2143% | 5,377 |
| Loan and lease loss provision to assets | 0.0151% | 3,960 |
| Net operating income to assets | 0.6817% | 3,932 |
| Return on assets (ROA) | 0.6767% | 4,062 |
| Pretax return on assets | 0.9231% | 3,791 |
| Return on Equity (ROE) | 6.3133% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.3133% | 2,149 |
| Net charge-offs to loans | 0.0164% | 3,896 |
| Credit loss provision to net charge-offs | 138.8889% | 1,530 |
| Earnings coverage of net charge-offs (x) | 87.0000% | 617 |
| Efficiency ratio | 70.0879% | 3,644 |
| Assets per employee ($millions) | 5.7250% | 1,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0690% | 5,026 |
| Loan loss allowance to noncurrent loans | 290.6325% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 5,177 |
| Noncurrent loans to loans | 0.3678% | 4,889 |
| Net loans and leases to total assets | 67.8410% | 2,435 |
| Net loans and leases to deposits | 78.6791% | 2,712 |
| Net loans and leases to core deposits | 87.6522% | 2,351 |
| Total domestic deposits to total assets | 86.2250% | 2,916 |
| Equity capital to assets | 10.9336% | 2,943 |
| Core capital (leverage) ratio | 10.8890% | 2,542 |
| Tier 1 risk-based capital ratio | 16.7751% | 2,718 |
| Total risk-based capital ratio | 17.9027% | 2,727 |
| Memoranda: | ||
| Average total assets | $994,248,670 | 673 |
| Average earning assets | $932,381,670 | 659 |
| Average equity | $106,569,000 | 683 |
| Average total loans | $656,954,670 | 653 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1804% | 6,033 |
| Cost of funding earning assets | 0.2898% | 5,171 |
| Net interest margin | 2.8906% | 5,774 |
| Noninterest income to average assets | 0.3208% | 4,801 |
| Noninterest expense to average assets | 2.1703% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6457% | 3,969 |
| Return on assets (ROA) | 0.6457% | 4,061 |
| Pretax return on assets | 0.8742% | 3,812 |
| Return on Equity (ROE) | 6.0846% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.0846% | 2,497 |
| Net charge-offs to loans | 0.0180% | 3,225 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 75.0690% | 567 |
| Efficiency ratio | 71.2873% | 3,614 |
| Assets per employee ($millions) | 5.7993% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 5,107 |
| Loan loss allowance to noncurrent loans | 291.3131% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2918% | 5,288 |
| Noncurrent loans to loans | 0.3785% | 4,990 |
| Net loans and leases to total assets | 64.4598% | 2,816 |
| Net loans and leases to deposits | 72.3604% | 3,290 |
| Net loans and leases to core deposits | 83.3438% | 2,593 |
| Total domestic deposits to total assets | 89.0817% | 1,604 |
| Equity capital to assets | 10.6200% | 3,113 |
| Core capital (leverage) ratio | 10.7798% | 2,621 |
| Tier 1 risk-based capital ratio | 16.9872% | 2,700 |
| Total risk-based capital ratio | 18.1400% | 2,697 |
| Memoranda: | ||
| Average total assets | $996,164,500 | 678 |
| Average earning assets | $938,634,000 | 651 |
| Average equity | $105,709,500 | 689 |
| Average total loans | $645,847,500 | 662 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1867% | 6,148 |
| Cost of funding earning assets | 0.3321% | 5,305 |
| Net interest margin | 2.8547% | 5,891 |
| Noninterest income to average assets | 0.4207% | 4,293 |
| Noninterest expense to average assets | 2.2429% | 5,522 |
| Loan and lease loss provision to assets | 0.0375% | 4,364 |
| Net operating income to assets | 0.6008% | 4,258 |
| Return on assets (ROA) | 0.6008% | 4,374 |
| Pretax return on assets | 0.8327% | 4,022 |
| Return on Equity (ROE) | 5.6401% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.6401% | 2,191 |
| Net charge-offs to loans | 0.0219% | 4,995 |
| Credit loss provision to net charge-offs | 266.6667% | 849 |
| Earnings coverage of net charge-offs (x) | 61.8741% | 670 |
| Efficiency ratio | 72.0458% | 3,461 |
| Assets per employee ($millions) | 5.7839% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 4,969 |
| Loan loss allowance to noncurrent loans | 272.7581% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 0.3318% | 5,270 |
| Noncurrent loans to loans | 0.4161% | 4,962 |
| Net loans and leases to total assets | 63.7515% | 3,081 |
| Net loans and leases to deposits | 71.5327% | 3,583 |
| Net loans and leases to core deposits | 80.7996% | 3,036 |
| Total domestic deposits to total assets | 89.1222% | 1,537 |
| Equity capital to assets | 10.6032% | 3,042 |
| Core capital (leverage) ratio | 10.5759% | 2,813 |
| Tier 1 risk-based capital ratio | 17.0633% | 2,579 |
| Total risk-based capital ratio | 18.2438% | 2,577 |
| Memoranda: | ||
| Average total assets | $959,840,200 | 686 |
| Average earning assets | $905,283,200 | 659 |
| Average equity | $102,250,800 | 694 |
| Average total loans | $616,019,600 | 678 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1756% | 6,231 |
| Cost of funding earning assets | 0.3404% | 5,377 |
| Net interest margin | 2.8352% | 5,954 |
| Noninterest income to average assets | 0.4250% | 4,329 |
| Noninterest expense to average assets | 2.2515% | 5,474 |
| Loan and lease loss provision to assets | 0.0504% | 4,008 |
| Net operating income to assets | 0.5725% | 4,461 |
| Return on assets (ROA) | 0.5725% | 4,605 |
| Pretax return on assets | 0.7973% | 4,303 |
| Return on Equity (ROE) | 5.3675% | 4,526 |
| Retained earnings to average equity (ytd only) | 5.3675% | 2,821 |
| Net charge-offs to loans | 0.0260% | 4,605 |
| Credit loss provision to net charge-offs | 302.5210% | 842 |
| Earnings coverage of net charge-offs (x) | 50.8916% | 856 |
| Efficiency ratio | 72.6480% | 3,293 |
| Assets per employee ($millions) | 5.7153% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 5,040 |
| Loan loss allowance to noncurrent loans | 294.9187% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 5,462 |
| Noncurrent loans to loans | 0.3953% | 5,208 |
| Net loans and leases to total assets | 62.5622% | 3,246 |
| Net loans and leases to deposits | 70.2253% | 3,756 |
| Net loans and leases to core deposits | 77.9150% | 3,374 |
| Total domestic deposits to total assets | 89.0879% | 1,512 |
| Equity capital to assets | 10.4915% | 3,286 |
| Core capital (leverage) ratio | 10.7627% | 2,710 |
| Tier 1 risk-based capital ratio | 16.9432% | 2,733 |
| Total risk-based capital ratio | 18.1373% | 2,717 |
| Memoranda: | ||
| Average total assets | $952,539,000 | 695 |
| Average earning assets | $898,444,250 | 664 |
| Average equity | $101,596,000 | 707 |
| Average total loans | $610,582,000 | 685 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1902% | 6,244 |
| Cost of funding earning assets | 0.3523% | 5,386 |
| Net interest margin | 2.8379% | 5,928 |
| Noninterest income to average assets | 0.4251% | 4,341 |
| Noninterest expense to average assets | 2.2819% | 5,415 |
| Loan and lease loss provision to assets | 0.0764% | 3,525 |
| Net operating income to assets | 0.5350% | 4,642 |
| Return on assets (ROA) | 0.5350% | 4,805 |
| Pretax return on assets | 0.7477% | 4,513 |
| Return on Equity (ROE) | 4.9880% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.9880% | 3,063 |
| Net charge-offs to loans | 0.0353% | 4,190 |
| Credit loss provision to net charge-offs | 336.4486% | 774 |
| Earnings coverage of net charge-offs (x) | 36.2897% | 995 |
| Efficiency ratio | 73.4677% | 3,231 |
| Assets per employee ($millions) | 5.6056% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 4,995 |
| Loan loss allowance to noncurrent loans | 295.5266% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 5,530 |
| Noncurrent loans to loans | 0.4060% | 5,247 |
| Net loans and leases to total assets | 61.3535% | 3,412 |
| Net loans and leases to deposits | 69.5964% | 3,774 |
| Net loans and leases to core deposits | 76.5372% | 3,478 |
| Total domestic deposits to total assets | 88.1561% | 2,135 |
| Equity capital to assets | 10.4774% | 3,333 |
| Core capital (leverage) ratio | 10.7482% | 2,621 |
| Tier 1 risk-based capital ratio | 16.9941% | 2,719 |
| Total risk-based capital ratio | 18.2125% | 2,701 |
| Memoranda: | ||
| Average total assets | $942,374,330 | 705 |
| Average earning assets | $890,220,330 | 672 |
| Average equity | $101,083,000 | 713 |
| Average total loans | $606,688,670 | 685 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2751% | 6,195 |
| Cost of funding earning assets | 0.3646% | 5,419 |
| Net interest margin | 2.9105% | 5,795 |
| Noninterest income to average assets | 0.4415% | 4,168 |
| Noninterest expense to average assets | 2.3312% | 5,336 |
| Loan and lease loss provision to assets | 0.0778% | 3,340 |
| Net operating income to assets | 0.5672% | 4,373 |
| Return on assets (ROA) | 0.5672% | 4,523 |
| Pretax return on assets | 0.7811% | 4,248 |
| Return on Equity (ROE) | 5.2245% | 4,445 |
| Retained earnings to average equity (ytd only) | 5.2245% | 3,097 |
| Net charge-offs to loans | 0.0632% | 3,188 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 20.7083% | 1,179 |
| Efficiency ratio | 73.0769% | 3,434 |
| Assets per employee ($millions) | 5.3144% | 1,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1763% | 5,283 |
| Loan loss allowance to noncurrent loans | 466.9737% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.2917% | 5,698 |
| Noncurrent loans to loans | 0.2519% | 5,785 |
| Net loans and leases to total assets | 64.4869% | 2,615 |
| Net loans and leases to deposits | 72.6614% | 3,097 |
| Net loans and leases to core deposits | 78.6830% | 2,973 |
| Total domestic deposits to total assets | 88.7498% | 1,833 |
| Equity capital to assets | 10.9321% | 3,039 |
| Core capital (leverage) ratio | 10.7920% | 2,464 |
| Tier 1 risk-based capital ratio | 17.2354% | 2,664 |
| Total risk-based capital ratio | 18.4573% | 2,641 |
| Memoranda: | ||
| Average total assets | $925,870,500 | 723 |
| Average earning assets | $874,358,000 | 693 |
| Average equity | $100,527,000 | 728 |
| Average total loans | $607,184,000 | 684 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5447% | 6,302 |
| Cost of funding earning assets | 0.5221% | 5,054 |
| Net interest margin | 3.0227% | 6,000 |
| Noninterest income to average assets | 0.5369% | 3,669 |
| Noninterest expense to average assets | 2.3882% | 5,436 |
| Loan and lease loss provision to assets | 0.1082% | 4,282 |
| Net operating income to assets | 0.6398% | 4,039 |
| Return on assets (ROA) | 0.6398% | 4,300 |
| Pretax return on assets | 0.8748% | 4,013 |
| Return on Equity (ROE) | 5.8503% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.8503% | 2,161 |
| Net charge-offs to loans | 0.1116% | 4,554 |
| Credit loss provision to net charge-offs | 146.7890% | 1,855 |
| Earnings coverage of net charge-offs (x) | 13.3410% | 1,836 |
| Efficiency ratio | 70.8418% | 3,647 |
| Assets per employee ($millions) | 5.2974% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1482% | 5,352 |
| Loan loss allowance to noncurrent loans | 419.8085% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.3188% | 5,714 |
| Noncurrent loans to loans | 0.2735% | 5,797 |
| Net loans and leases to total assets | 65.1476% | 2,685 |
| Net loans and leases to deposits | 73.2756% | 3,214 |
| Net loans and leases to core deposits | 78.6545% | 3,173 |
| Total domestic deposits to total assets | 88.9076% | 1,630 |
| Equity capital to assets | 10.7833% | 3,189 |
| Core capital (leverage) ratio | 10.8035% | 2,437 |
| Tier 1 risk-based capital ratio | 16.7222% | 2,783 |
| Total risk-based capital ratio | 17.9097% | 2,785 |
| Memoranda: | ||
| Average total assets | $887,630,600 | 738 |
| Average earning assets | $832,278,800 | 718 |
| Average equity | $97,071,400 | 729 |
| Average total loans | $585,960,000 | 702 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5869% | 6,412 |
| Cost of funding earning assets | 0.5589% | 5,006 |
| Net interest margin | 3.0281% | 6,111 |
| Noninterest income to average assets | 0.5477% | 3,624 |
| Noninterest expense to average assets | 2.4027% | 5,391 |
| Loan and lease loss provision to assets | 0.1185% | 4,070 |
| Net operating income to assets | 0.6358% | 4,209 |
| Return on assets (ROA) | 0.6358% | 4,462 |
| Pretax return on assets | 0.8619% | 4,254 |
| Return on Equity (ROE) | 5.7927% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.7927% | 2,840 |
| Net charge-offs to loans | 0.1198% | 4,174 |
| Credit loss provision to net charge-offs | 149.7121% | 1,889 |
| Earnings coverage of net charge-offs (x) | 12.3877% | 2,005 |
| Efficiency ratio | 71.0219% | 3,501 |
| Assets per employee ($millions) | 5.3110% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 5,429 |
| Loan loss allowance to noncurrent loans | 243.8572% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.3849% | 5,737 |
| Noncurrent loans to loans | 0.4798% | 5,492 |
| Net loans and leases to total assets | 63.6753% | 3,080 |
| Net loans and leases to deposits | 72.3364% | 3,558 |
| Net loans and leases to core deposits | 77.5041% | 3,532 |
| Total domestic deposits to total assets | 88.0266% | 2,031 |
| Equity capital to assets | 10.6644% | 3,646 |
| Core capital (leverage) ratio | 11.0576% | 2,328 |
| Tier 1 risk-based capital ratio | 16.8735% | 2,793 |
| Total risk-based capital ratio | 18.0820% | 2,776 |
| Memoranda: | ||
| Average total assets | $877,778,750 | 756 |
| Average earning assets | $821,886,250 | 733 |
| Average equity | $96,348,000 | 741 |
| Average total loans | $579,710,500 | 713 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6433% | 6,426 |
| Cost of funding earning assets | 0.6141% | 4,772 |
| Net interest margin | 3.0291% | 6,176 |
| Noninterest income to average assets | 0.5515% | 3,576 |
| Noninterest expense to average assets | 2.4209% | 5,381 |
| Loan and lease loss provision to assets | 0.1392% | 3,777 |
| Net operating income to assets | 0.6167% | 4,300 |
| Return on assets (ROA) | 0.6167% | 4,546 |
| Pretax return on assets | 0.8217% | 4,397 |
| Return on Equity (ROE) | 5.5620% | 4,554 |
| Retained earnings to average equity (ytd only) | 5.5620% | 2,951 |
| Net charge-offs to loans | 0.0425% | 4,781 |
| Credit loss provision to net charge-offs | 491.8033% | 615 |
| Earnings coverage of net charge-offs (x) | 33.9590% | 990 |
| Efficiency ratio | 71.5863% | 3,500 |
| Assets per employee ($millions) | 5.0470% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 5,192 |
| Loan loss allowance to noncurrent loans | 275.1149% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3757% | 5,843 |
| Noncurrent loans to loans | 0.4484% | 5,642 |
| Net loans and leases to total assets | 65.8850% | 2,691 |
| Net loans and leases to deposits | 74.4718% | 3,214 |
| Net loans and leases to core deposits | 80.2341% | 3,185 |
| Total domestic deposits to total assets | 88.4697% | 1,839 |
| Equity capital to assets | 11.0952% | 3,018 |
| Core capital (leverage) ratio | 10.9791% | 2,319 |
| Tier 1 risk-based capital ratio | 16.9721% | 2,677 |
| Total risk-based capital ratio | 18.2241% | 2,638 |
| Memoranda: | ||
| Average total assets | $862,333,670 | 769 |
| Average earning assets | $805,706,000 | 749 |
| Average equity | $95,613,670 | 743 |
| Average total loans | $574,481,000 | 724 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 6,446 |
| Cost of funding earning assets | 0.6471% | 4,751 |
| Net interest margin | 3.0475% | 6,187 |
| Noninterest income to average assets | 0.5807% | 3,347 |
| Noninterest expense to average assets | 2.3507% | 5,621 |
| Loan and lease loss provision to assets | 0.1400% | 3,604 |
| Net operating income to assets | 0.6838% | 3,963 |
| Return on assets (ROA) | 0.6838% | 4,178 |
| Pretax return on assets | 0.9322% | 3,924 |
| Return on Equity (ROE) | 6.1696% | 4,202 |
| Retained earnings to average equity (ytd only) | 6.1696% | 2,857 |
| Net charge-offs to loans | 0.0245% | 4,344 |
| Credit loss provision to net charge-offs | 857.1429% | 408 |
| Earnings coverage of net charge-offs (x) | 65.6286% | 512 |
| Efficiency ratio | 68.6758% | 4,038 |
| Assets per employee ($millions) | 5.1737% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 5,397 |
| Loan loss allowance to noncurrent loans | 252.5534% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.4722% | 5,679 |
| Noncurrent loans to loans | 0.4833% | 5,705 |
| Net loans and leases to total assets | 64.9229% | 2,665 |
| Net loans and leases to deposits | 74.2592% | 3,084 |
| Net loans and leases to core deposits | 79.9156% | 3,081 |
| Total domestic deposits to total assets | 87.4274% | 2,702 |
| Equity capital to assets | 10.9996% | 2,909 |
| Core capital (leverage) ratio | 11.1250% | 2,167 |
| Tier 1 risk-based capital ratio | 17.0660% | 2,657 |
| Total risk-based capital ratio | 18.3161% | 2,618 |
| Memoranda: | ||
| Average total assets | $856,932,000 | 775 |
| Average earning assets | $799,225,500 | 751 |
| Average equity | $94,982,500 | 745 |
| Average total loans | $570,495,500 | 729 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1079% | 6,269 |
| Cost of funding earning assets | 0.8800% | 4,253 |
| Net interest margin | 3.2279% | 6,016 |
| Noninterest income to average assets | 0.5548% | 3,471 |
| Noninterest expense to average assets | 2.4598% | 5,600 |
| Loan and lease loss provision to assets | 0.1632% | 4,586 |
| Net operating income to assets | 0.6460% | 3,754 |
| Return on assets (ROA) | 0.6460% | 3,950 |
| Pretax return on assets | 0.9409% | 3,464 |
| Return on Equity (ROE) | 5.7771% | 3,986 |
| Retained earnings to average equity (ytd only) | 5.7771% | 2,138 |
| Net charge-offs to loans | 0.1146% | 5,230 |
| Credit loss provision to net charge-offs | 206.4220% | 1,205 |
| Earnings coverage of net charge-offs (x) | 13.9633% | 1,499 |
| Efficiency ratio | 69.0199% | 4,144 |
| Assets per employee ($millions) | 5.0884% | 2,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1774% | 5,499 |
| Loan loss allowance to noncurrent loans | 232.6743% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 5,691 |
| Noncurrent loans to loans | 0.5060% | 5,696 |
| Net loans and leases to total assets | 66.6537% | 2,652 |
| Net loans and leases to deposits | 76.4097% | 3,111 |
| Net loans and leases to core deposits | 82.4707% | 3,115 |
| Total domestic deposits to total assets | 87.2321% | 2,626 |
| Equity capital to assets | 11.1709% | 2,825 |
| Core capital (leverage) ratio | 11.0301% | 2,251 |
| Tier 1 risk-based capital ratio | 17.0299% | 2,585 |
| Total risk-based capital ratio | 18.2579% | 2,552 |
| Memoranda: | ||
| Average total assets | $827,109,000 | 786 |
| Average earning assets | $771,023,400 | 769 |
| Average equity | $92,485,200 | 737 |
| Average total loans | $570,685,800 | 741 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2049% | 6,193 |
| Cost of funding earning assets | 0.9152% | 4,300 |
| Net interest margin | 3.2897% | 5,888 |
| Noninterest income to average assets | 0.5235% | 3,704 |
| Noninterest expense to average assets | 2.4978% | 5,470 |
| Loan and lease loss provision to assets | 0.1702% | 4,341 |
| Net operating income to assets | 0.6335% | 3,951 |
| Return on assets (ROA) | 0.6335% | 4,136 |
| Pretax return on assets | 0.9207% | 3,683 |
| Return on Equity (ROE) | 5.6640% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.6640% | 2,765 |
| Net charge-offs to loans | 0.1231% | 4,806 |
| Credit loss provision to net charge-offs | 199.2410% | 1,470 |
| Earnings coverage of net charge-offs (x) | 12.7723% | 1,671 |
| Efficiency ratio | 69.6035% | 4,019 |
| Assets per employee ($millions) | 4.9446% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 5,743 |
| Loan loss allowance to noncurrent loans | 214.1219% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.5359% | 5,755 |
| Noncurrent loans to loans | 0.5306% | 5,795 |
| Net loans and leases to total assets | 68.8645% | 2,301 |
| Net loans and leases to deposits | 80.7215% | 2,563 |
| Net loans and leases to core deposits | 87.5997% | 2,545 |
| Total domestic deposits to total assets | 85.3112% | 3,608 |
| Equity capital to assets | 11.2920% | 2,873 |
| Core capital (leverage) ratio | 11.1841% | 2,246 |
| Tier 1 risk-based capital ratio | 16.8153% | 2,715 |
| Total risk-based capital ratio | 18.0152% | 2,705 |
| Memoranda: | ||
| Average total assets | $822,716,500 | 800 |
| Average earning assets | $766,570,250 | 782 |
| Average equity | $92,017,000 | 742 |
| Average total loans | $570,927,750 | 751 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2438% | 6,180 |
| Cost of funding earning assets | 0.9479% | 4,333 |
| Net interest margin | 3.2959% | 5,871 |
| Noninterest income to average assets | 0.4900% | 3,949 |
| Noninterest expense to average assets | 2.5157% | 5,469 |
| Loan and lease loss provision to assets | 0.1825% | 4,091 |
| Net operating income to assets | 0.5953% | 4,088 |
| Return on assets (ROA) | 0.5953% | 4,222 |
| Pretax return on assets | 0.8602% | 3,793 |
| Return on Equity (ROE) | 5.3401% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.3401% | 2,782 |
| Net charge-offs to loans | 0.1795% | 4,092 |
| Credit loss provision to net charge-offs | 146.7710% | 2,084 |
| Earnings coverage of net charge-offs (x) | 8.3836% | 2,069 |
| Efficiency ratio | 70.6977% | 3,990 |
| Assets per employee ($millions) | 4.8919% | 2,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0902% | 5,999 |
| Loan loss allowance to noncurrent loans | 203.2846% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 0.5558% | 5,813 |
| Noncurrent loans to loans | 0.5363% | 5,842 |
| Net loans and leases to total assets | 69.0053% | 2,414 |
| Net loans and leases to deposits | 80.8768% | 2,630 |
| Net loans and leases to core deposits | 86.3859% | 2,849 |
| Total domestic deposits to total assets | 85.3215% | 3,719 |
| Equity capital to assets | 11.2997% | 2,683 |
| Core capital (leverage) ratio | 10.9067% | 2,337 |
| Tier 1 risk-based capital ratio | 16.4772% | 2,753 |
| Total risk-based capital ratio | 17.6204% | 2,762 |
| Memoranda: | ||
| Average total assets | $821,704,670 | 813 |
| Average earning assets | $765,022,670 | 790 |
| Average equity | $91,608,000 | 747 |
| Average total loans | $569,508,670 | 759 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 6,272 |
| Cost of funding earning assets | 0.9784% | 4,360 |
| Net interest margin | 3.2261% | 5,991 |
| Noninterest income to average assets | 0.4352% | 4,412 |
| Noninterest expense to average assets | 2.4186% | 5,830 |
| Loan and lease loss provision to assets | 0.1826% | 3,791 |
| Net operating income to assets | 0.5798% | 4,135 |
| Return on assets (ROA) | 0.5798% | 4,202 |
| Pretax return on assets | 0.8408% | 3,740 |
| Return on Equity (ROE) | 5.2364% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.2364% | 3,039 |
| Net charge-offs to loans | 0.3171% | 2,782 |
| Credit loss provision to net charge-offs | 83.3333% | 3,082 |
| Earnings coverage of net charge-offs (x) | 4.6711% | 2,418 |
| Efficiency ratio | 70.2687% | 4,202 |
| Assets per employee ($millions) | 4.9378% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0401% | 6,250 |
| Loan loss allowance to noncurrent loans | 149.6597% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6153% | 5,735 |
| Noncurrent loans to loans | 0.6950% | 5,628 |
| Net loans and leases to total assets | 68.5003% | 2,452 |
| Net loans and leases to deposits | 80.1723% | 2,691 |
| Net loans and leases to core deposits | 86.7043% | 2,772 |
| Total domestic deposits to total assets | 85.4414% | 3,814 |
| Equity capital to assets | 11.1318% | 2,552 |
| Core capital (leverage) ratio | 10.7533% | 2,397 |
| Tier 1 risk-based capital ratio | 16.1989% | 2,811 |
| Total risk-based capital ratio | 17.2816% | 2,863 |
| Memoranda: | ||
| Average total assets | $821,633,500 | 820 |
| Average earning assets | $765,745,500 | 799 |
| Average equity | $90,979,000 | 743 |
| Average total loans | $567,578,500 | 769 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5644% | 6,201 |
| Cost of funding earning assets | 1.3510% | 3,569 |
| Net interest margin | 3.2134% | 6,241 |
| Noninterest income to average assets | 0.5083% | 4,106 |
| Noninterest expense to average assets | 2.5696% | 5,545 |
| Loan and lease loss provision to assets | 0.2344% | 4,935 |
| Net operating income to assets | 0.4774% | 4,203 |
| Return on assets (ROA) | 0.4774% | 4,361 |
| Pretax return on assets | 0.7024% | 3,968 |
| Return on Equity (ROE) | 4.2711% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.2711% | 2,852 |
| Net charge-offs to loans | 0.2485% | 4,801 |
| Credit loss provision to net charge-offs | 131.9544% | 2,985 |
| Earnings coverage of net charge-offs (x) | 5.2732% | 2,672 |
| Efficiency ratio | 73.2825% | 3,536 |
| Assets per employee ($millions) | 4.9021% | 2,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 6,089 |
| Loan loss allowance to noncurrent loans | 124.9377% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 0.6999% | 5,602 |
| Noncurrent loans to loans | 0.8526% | 5,360 |
| Net loans and leases to total assets | 68.2029% | 2,933 |
| Net loans and leases to deposits | 79.7079% | 3,223 |
| Net loans and leases to core deposits | 88.0318% | 3,044 |
| Total domestic deposits to total assets | 85.5660% | 3,569 |
| Equity capital to assets | 11.0137% | 2,670 |
| Core capital (leverage) ratio | 10.7196% | 2,369 |
| Tier 1 risk-based capital ratio | 16.3348% | 2,602 |
| Total risk-based capital ratio | 17.4554% | 2,615 |
| Memoranda: | ||
| Average total assets | $789,140,400 | 855 |
| Average earning assets | $736,289,400 | 836 |
| Average equity | $88,198,400 | 761 |
| Average total loans | $564,123,000 | 797 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6455% | 6,211 |
| Cost of funding earning assets | 1.3917% | 3,627 |
| Net interest margin | 3.2538% | 6,158 |
| Noninterest income to average assets | 0.4992% | 4,195 |
| Noninterest expense to average assets | 2.6060% | 5,306 |
| Loan and lease loss provision to assets | 0.2516% | 4,577 |
| Net operating income to assets | 0.4552% | 4,521 |
| Return on assets (ROA) | 0.4552% | 4,705 |
| Pretax return on assets | 0.6773% | 4,314 |
| Return on Equity (ROE) | 4.0574% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.0574% | 3,620 |
| Net charge-offs to loans | 0.2813% | 4,256 |
| Credit loss provision to net charge-offs | 123.9496% | 3,308 |
| Earnings coverage of net charge-offs (x) | 4.5765% | 2,992 |
| Efficiency ratio | 73.7238% | 3,375 |
| Assets per employee ($millions) | 4.8138% | 2,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 6,244 |
| Loan loss allowance to noncurrent loans | 132.4802% | 2,142 |
| Noncurrent assets plus other real estate owned to assets | 0.6607% | 5,805 |
| Noncurrent loans to loans | 0.7805% | 5,651 |
| Net loans and leases to total assets | 69.2200% | 2,928 |
| Net loans and leases to deposits | 82.7129% | 2,963 |
| Net loans and leases to core deposits | 89.9568% | 3,097 |
| Total domestic deposits to total assets | 83.6870% | 4,278 |
| Equity capital to assets | 11.0549% | 2,908 |
| Core capital (leverage) ratio | 10.8351% | 2,384 |
| Tier 1 risk-based capital ratio | 16.3181% | 2,626 |
| Total risk-based capital ratio | 17.4213% | 2,636 |
| Memoranda: | ||
| Average total assets | $781,761,500 | 868 |
| Average earning assets | $729,346,250 | 843 |
| Average equity | $87,707,000 | 760 |
| Average total loans | $564,064,000 | 803 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7183% | 6,084 |
| Cost of funding earning assets | 1.4280% | 3,688 |
| Net interest margin | 3.2903% | 6,047 |
| Noninterest income to average assets | 0.4565% | 4,466 |
| Noninterest expense to average assets | 2.6820% | 4,986 |
| Loan and lease loss provision to assets | 0.2847% | 4,115 |
| Net operating income to assets | 0.3691% | 4,897 |
| Return on assets (ROA) | 0.3691% | 5,058 |
| Pretax return on assets | 0.5572% | 4,711 |
| Return on Equity (ROE) | 3.2728% | 5,106 |
| Retained earnings to average equity (ytd only) | 3.2728% | 4,018 |
| Net charge-offs to loans | 0.3357% | 3,654 |
| Credit loss provision to net charge-offs | 116.2791% | 3,491 |
| Earnings coverage of net charge-offs (x) | 3.4387% | 3,322 |
| Efficiency ratio | 76.1090% | 3,058 |
| Assets per employee ($millions) | 4.5994% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 6,355 |
| Loan loss allowance to noncurrent loans | 244.3590% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 6,229 |
| Noncurrent loans to loans | 0.4134% | 6,416 |
| Net loans and leases to total assets | 71.6633% | 2,497 |
| Net loans and leases to deposits | 86.1898% | 2,480 |
| Net loans and leases to core deposits | 95.4166% | 2,517 |
| Total domestic deposits to total assets | 83.1459% | 4,504 |
| Equity capital to assets | 11.3178% | 2,581 |
| Core capital (leverage) ratio | 10.9013% | 2,324 |
| Tier 1 risk-based capital ratio | 16.1805% | 2,598 |
| Total risk-based capital ratio | 17.2655% | 2,623 |
| Memoranda: | ||
| Average total assets | $772,775,670 | 880 |
| Average earning assets | $720,428,670 | 855 |
| Average equity | $87,141,670 | 750 |
| Average total loans | $563,537,330 | 812 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7341% | 6,131 |
| Cost of funding earning assets | 1.4673% | 3,762 |
| Net interest margin | 3.2668% | 6,078 |
| Noninterest income to average assets | 0.4858% | 4,153 |
| Noninterest expense to average assets | 2.7284% | 4,773 |
| Loan and lease loss provision to assets | 0.2343% | 4,167 |
| Net operating income to assets | 0.3952% | 4,858 |
| Return on assets (ROA) | 0.3952% | 5,001 |
| Pretax return on assets | 0.5649% | 4,734 |
| Return on Equity (ROE) | 3.5112% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.5112% | 4,038 |
| Net charge-offs to loans | 0.0683% | 4,729 |
| Credit loss provision to net charge-offs | 468.7500% | 894 |
| Earnings coverage of net charge-offs (x) | 15.9896% | 1,356 |
| Efficiency ratio | 77.3432% | 3,005 |
| Assets per employee ($millions) | 4.6648% | 2,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0500% | 6,229 |
| Loan loss allowance to noncurrent loans | 172.4359% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.6031% | 6,007 |
| Noncurrent loans to loans | 0.6089% | 6,090 |
| Net loans and leases to total assets | 71.5902% | 2,550 |
| Net loans and leases to deposits | 86.0485% | 2,580 |
| Net loans and leases to core deposits | 95.1183% | 2,688 |
| Total domestic deposits to total assets | 83.1976% | 4,526 |
| Equity capital to assets | 11.1719% | 2,615 |
| Core capital (leverage) ratio | 10.9532% | 2,259 |
| Tier 1 risk-based capital ratio | 15.9990% | 2,659 |
| Total risk-based capital ratio | 17.1182% | 2,643 |
| Memoranda: | ||
| Average total assets | $768,216,500 | 903 |
| Average earning assets | $715,313,500 | 882 |
| Average equity | $86,466,000 | 766 |
| Average total loans | $562,281,500 | 837 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 6,232 |
| Cost of funding earning assets | 1.7932% | 4,022 |
| Net interest margin | 3.2646% | 5,874 |
| Noninterest income to average assets | 0.5455% | 4,059 |
| Noninterest expense to average assets | 2.5707% | 5,893 |
| Loan and lease loss provision to assets | 0.2567% | 5,340 |
| Net operating income to assets | 0.5260% | 3,623 |
| Return on assets (ROA) | 0.5260% | 3,711 |
| Pretax return on assets | 0.7528% | 3,397 |
| Return on Equity (ROE) | 4.5877% | 3,850 |
| Retained earnings to average equity (ytd only) | 4.5877% | 2,045 |
| Net charge-offs to loans | 0.1619% | 5,659 |
| Credit loss provision to net charge-offs | 212.6411% | 1,807 |
| Earnings coverage of net charge-offs (x) | 8.3612% | 1,957 |
| Efficiency ratio | 71.8027% | 4,289 |
| Assets per employee ($millions) | 4.5627% | 2,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9919% | 6,439 |
| Loan loss allowance to noncurrent loans | 155.9417% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 5,863 |
| Noncurrent loans to loans | 0.6361% | 5,960 |
| Net loans and leases to total assets | 73.3258% | 2,420 |
| Net loans and leases to deposits | 88.3500% | 2,498 |
| Net loans and leases to core deposits | 107.5983% | 3,146 |
| Total domestic deposits to total assets | 82.9947% | 4,523 |
| Equity capital to assets | 11.3413% | 2,441 |
| Core capital (leverage) ratio | 11.0301% | 2,210 |
| Tier 1 risk-based capital ratio | 16.3005% | 2,395 |
| Total risk-based capital ratio | 17.3820% | 2,394 |
| Memoranda: | ||
| Average total assets | $733,798,600 | 929 |
| Average earning assets | $682,130,000 | 905 |
| Average equity | $84,138,600 | 764 |
| Average total loans | $547,275,400 | 874 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0737% | 6,367 |
| Cost of funding earning assets | 1.8563% | 4,118 |
| Net interest margin | 3.2175% | 5,955 |
| Noninterest income to average assets | 0.5667% | 3,953 |
| Noninterest expense to average assets | 2.6466% | 5,535 |
| Loan and lease loss provision to assets | 0.2563% | 4,900 |
| Net operating income to assets | 0.4660% | 4,137 |
| Return on assets (ROA) | 0.4660% | 4,232 |
| Pretax return on assets | 0.6543% | 4,004 |
| Return on Equity (ROE) | 4.0526% | 4,354 |
| Retained earnings to average equity (ytd only) | 4.0526% | 3,010 |
| Net charge-offs to loans | 0.1211% | 5,487 |
| Credit loss provision to net charge-offs | 283.1984% | 1,480 |
| Earnings coverage of net charge-offs (x) | 10.0627% | 2,016 |
| Efficiency ratio | 72.4459% | 4,159 |
| Assets per employee ($millions) | 4.5674% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 6,500 |
| Loan loss allowance to noncurrent loans | 418.6960% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.3120% | 6,701 |
| Noncurrent loans to loans | 0.2287% | 6,928 |
| Net loans and leases to total assets | 73.5893% | 2,648 |
| Net loans and leases to deposits | 88.8981% | 2,806 |
| Net loans and leases to core deposits | 99.6889% | 4,407 |
| Total domestic deposits to total assets | 82.7793% | 4,331 |
| Equity capital to assets | 11.3681% | 2,698 |
| Core capital (leverage) ratio | 11.0796% | 2,352 |
| Tier 1 risk-based capital ratio | 16.5275% | 2,417 |
| Total risk-based capital ratio | 17.5942% | 2,437 |
| Memoranda: | ||
| Average total assets | $727,896,000 | 948 |
| Average earning assets | $676,538,500 | 928 |
| Average equity | $83,698,250 | 780 |
| Average total loans | $543,859,250 | 896 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 6,486 |
| Cost of funding earning assets | 1.9135% | 4,197 |
| Net interest margin | 3.1732% | 6,007 |
| Noninterest income to average assets | 0.5874% | 3,790 |
| Noninterest expense to average assets | 2.7082% | 5,357 |
| Loan and lease loss provision to assets | 0.3049% | 4,124 |
| Net operating income to assets | 0.3837% | 4,572 |
| Return on assets (ROA) | 0.3837% | 4,672 |
| Pretax return on assets | 0.5194% | 4,555 |
| Return on Equity (ROE) | 3.3240% | 4,777 |
| Retained earnings to average equity (ytd only) | 3.3240% | 3,477 |
| Net charge-offs to loans | 0.1390% | 4,782 |
| Credit loss provision to net charge-offs | 293.0667% | 1,595 |
| Earnings coverage of net charge-offs (x) | 7.9227% | 2,360 |
| Efficiency ratio | 73.6805% | 4,084 |
| Assets per employee ($millions) | 4.5182% | 2,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 6,530 |
| Loan loss allowance to noncurrent loans | 408.7706% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 6,458 |
| Noncurrent loans to loans | 0.2337% | 6,928 |
| Net loans and leases to total assets | 72.5954% | 3,067 |
| Net loans and leases to deposits | 87.7532% | 3,207 |
| Net loans and leases to core deposits | 100.8182% | 4,422 |
| Total domestic deposits to total assets | 82.7268% | 4,372 |
| Equity capital to assets | 11.1837% | 2,766 |
| Core capital (leverage) ratio | 10.9609% | 2,437 |
| Tier 1 risk-based capital ratio | 16.5363% | 2,435 |
| Total risk-based capital ratio | 17.5967% | 2,453 |
| Memoranda: | ||
| Average total assets | $720,841,670 | 972 |
| Average earning assets | $669,038,000 | 950 |
| Average equity | $83,213,000 | 791 |
| Average total loans | $539,626,670 | 923 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1844% | 6,358 |
| Cost of funding earning assets | 1.9948% | 4,159 |
| Net interest margin | 3.1896% | 5,886 |
| Noninterest income to average assets | 0.5708% | 3,755 |
| Noninterest expense to average assets | 2.5343% | 5,718 |
| Loan and lease loss provision to assets | 0.2710% | 3,790 |
| Net operating income to assets | 0.5149% | 4,355 |
| Return on assets (ROA) | 0.5149% | 4,545 |
| Pretax return on assets | 0.7119% | 4,393 |
| Return on Equity (ROE) | 4.3882% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.3882% | 3,477 |
| Net charge-offs to loans | 0.1522% | 3,742 |
| Credit loss provision to net charge-offs | 235.2941% | 1,961 |
| Earnings coverage of net charge-offs (x) | 8.5343% | 2,178 |
| Efficiency ratio | 72.0546% | 4,189 |
| Assets per employee ($millions) | 4.3423% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 6,874 |
| Loan loss allowance to noncurrent loans | 317.5474% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 6,585 |
| Noncurrent loans to loans | 0.2741% | 6,753 |
| Net loans and leases to total assets | 74.9713% | 2,509 |
| Net loans and leases to deposits | 92.0596% | 2,593 |
| Net loans and leases to core deposits | 103.7945% | 4,159 |
| Total domestic deposits to total assets | 81.4378% | 4,772 |
| Equity capital to assets | 11.7576% | 2,405 |
| Core capital (leverage) ratio | 11.3822% | 2,220 |
| Tier 1 risk-based capital ratio | 16.5790% | 2,487 |
| Total risk-based capital ratio | 17.5436% | 2,530 |
| Memoranda: | ||
| Average total assets | $708,514,500 | 992 |
| Average earning assets | $654,505,500 | 982 |
| Average equity | $83,132,500 | 794 |
| Average total loans | $536,232,000 | 932 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6167% | 7,018 |
| Cost of funding earning assets | 2.5170% | 4,104 |
| Net interest margin | 3.0997% | 6,652 |
| Noninterest income to average assets | 0.6293% | 3,641 |
| Noninterest expense to average assets | 2.4302% | 6,296 |
| Loan and lease loss provision to assets | 0.2770% | 4,175 |
| Net operating income to assets | 0.5499% | 4,532 |
| Return on assets (ROA) | 0.5570% | 4,348 |
| Pretax return on assets | 0.7743% | 4,164 |
| Return on Equity (ROE) | 4.7859% | 4,477 |
| Retained earnings to average equity (ytd only) | 4.7859% | 2,157 |
| Net charge-offs to loans | 0.1558% | 4,635 |
| Credit loss provision to net charge-offs | 240.0513% | 1,950 |
| Earnings coverage of net charge-offs (x) | 9.0244% | 2,770 |
| Efficiency ratio | 70.0009% | 4,351 |
| Assets per employee ($millions) | 4.2981% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 6,873 |
| Loan loss allowance to noncurrent loans | 341.0007% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 6,768 |
| Noncurrent loans to loans | 0.2508% | 6,635 |
| Net loans and leases to total assets | 75.0913% | 2,861 |
| Net loans and leases to deposits | 96.1620% | 2,421 |
| Net loans and leases to core deposits | 105.6070% | 4,232 |
| Total domestic deposits to total assets | 78.0883% | 5,680 |
| Equity capital to assets | 11.7089% | 2,496 |
| Core capital (leverage) ratio | 11.3615% | 2,328 |
| Tier 1 risk-based capital ratio | 16.4291% | 2,511 |
| Total risk-based capital ratio | 17.3711% | 2,555 |
| Memoranda: | ||
| Average total assets | $675,017,800 | 986 |
| Average earning assets | $618,961,800 | 975 |
| Average equity | $78,563,800 | 846 |
| Average total loans | $500,074,000 | 960 |