Home > Westfield Bank > Performance and Condition Ratios
Westfield 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 | 4.2586% | 3,510 |
| Cost of funding earning assets | 1.3564% | 2,340 |
| Net interest margin | 2.9023% | 3,485 |
| Noninterest income to average assets | 0.4300% | 2,344 |
| Noninterest expense to average assets | 2.1972% | 3,139 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6912% | 3,217 |
| Return on assets (ROA) | 0.6912% | 3,190 |
| Pretax return on assets | 0.8828% | 3,007 |
| Return on Equity (ROE) | 7.4400% | 3,175 |
| Retained earnings to average equity (ytd only) | 2.3488% | 3,493 |
| Net charge-offs to loans | 0.1014% | 899 |
| Credit loss provision to net charge-offs | 58.5091% | 2,158 |
| Earnings coverage of net charge-offs (x) | 11.5208% | 2,186 |
| Efficiency ratio | 70.0875% | 1,864 |
| Assets per employee ($millions) | 8.1585% | 1,356 |
| Cash dividends to net income (ytd only)* | 68.4303% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,303 |
| Loan loss allowance to noncurrent loans | 316.3753% | 1,955 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 1,963 |
| Noncurrent loans to loans | 0.3160% | 2,052 |
| Net loans and leases to total assets | 78.3500% | 827 |
| Net loans and leases to deposits | 93.4604% | 980 |
| Net loans and leases to core deposits | 102.9444% | 1,278 |
| Total domestic deposits to total assets | 83.8300% | 2,667 |
| Equity capital to assets | 9.4771% | 2,362 |
| Core capital (leverage) ratio | 9.6168% | 3,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9448% | 1,884 |
| Memoranda: | ||
| Average total assets | $2,562,142,800 | 456 |
| Average earning assets | $2,373,622,000 | 447 |
| Average equity | $238,040,400 | 469 |
| Average total loans | $2,011,125,800 | 401 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1755% | 3,514 |
| Cost of funding earning assets | 1.2278% | 2,343 |
| Net interest margin | 2.9477% | 3,436 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.1790% | 3,135 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7634% | 3,126 |
| Return on assets (ROA) | 0.7634% | 3,124 |
| Pretax return on assets | 0.9570% | 2,961 |
| Return on Equity (ROE) | 8.2600% | 3,114 |
| Retained earnings to average equity (ytd only) | 2.4571% | 3,637 |
| Net charge-offs to loans | 0.1264% | 638 |
| Credit loss provision to net charge-offs | 40.3573% | 1,932 |
| Earnings coverage of net charge-offs (x) | 9.8671% | 2,150 |
| Efficiency ratio | 68.5765% | 1,955 |
| Assets per employee ($millions) | 8.2975% | 1,212 |
| Cash dividends to net income (ytd only)* | 70.2474% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,414 |
| Loan loss allowance to noncurrent loans | 318.5776% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.2430% | 2,040 |
| Noncurrent loans to loans | 0.3112% | 2,119 |
| Net loans and leases to total assets | 77.3000% | 963 |
| Net loans and leases to deposits | 91.5334% | 1,094 |
| Net loans and leases to core deposits | 100.7330% | 1,282 |
| Total domestic deposits to total assets | 84.4500% | 2,652 |
| Equity capital to assets | 9.0916% | 2,370 |
| Core capital (leverage) ratio | 9.6893% | 3,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5635% | 2,055 |
| Memoranda: | ||
| Average total assets | $2,562,236,750 | 458 |
| Average earning assets | $2,373,290,750 | 447 |
| Average equity | $236,855,500 | 471 |
| Average total loans | $2,007,078,000 | 401 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,509 |
| Cost of funding earning assets | 1.0633% | 2,408 |
| Net interest margin | 3.0277% | 3,358 |
| Noninterest income to average assets | 0.3600% | 2,698 |
| Noninterest expense to average assets | 2.2070% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.7503% | 3,215 |
| Return on assets (ROA) | 0.7503% | 3,235 |
| Pretax return on assets | 0.9532% | 3,036 |
| Return on Equity (ROE) | 8.0700% | 3,215 |
| Retained earnings to average equity (ytd only) | 3.6464% | 3,305 |
| Net charge-offs to loans | 0.1821% | 434 |
| Credit loss provision to net charge-offs | 19.6712% | 1,771 |
| Earnings coverage of net charge-offs (x) | 6.6932% | 2,111 |
| Efficiency ratio | 69.3162% | 1,831 |
| Assets per employee ($millions) | 7.6623% | 1,497 |
| Cash dividends to net income (ytd only)* | 54.8232% | 1,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9748% | 3,518 |
| Loan loss allowance to noncurrent loans | 342.4015% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2242% | 2,067 |
| Noncurrent loans to loans | 0.2847% | 2,126 |
| Net loans and leases to total assets | 77.9900% | 833 |
| Net loans and leases to deposits | 92.4078% | 996 |
| Net loans and leases to core deposits | 101.2739% | 1,170 |
| Total domestic deposits to total assets | 84.4000% | 2,722 |
| Equity capital to assets | 9.3795% | 2,244 |
| Core capital (leverage) ratio | 9.6922% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4935% | 2,098 |
| Memoranda: | ||
| Average total assets | $2,556,141,333 | 442 |
| Average earning assets | $2,368,163,667 | 437 |
| Average equity | $237,603,333 | 460 |
| Average total loans | $2,004,497,333 | 390 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9963% | 3,460 |
| Cost of funding earning assets | 0.8252% | 2,630 |
| Net interest margin | 3.1711% | 3,186 |
| Noninterest income to average assets | 0.4700% | 1,975 |
| Noninterest expense to average assets | 2.2267% | 3,024 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 0.9567% | 2,666 |
| Return on assets (ROA) | 0.9567% | 2,630 |
| Pretax return on assets | 1.2370% | 2,337 |
| Return on Equity (ROE) | 10.3400% | 2,685 |
| Retained earnings to average equity (ytd only) | 5.1695% | 2,981 |
| Net charge-offs to loans | 0.3702% | 215 |
| Credit loss provision to net charge-offs | -12.5405% | 4,564 |
| Earnings coverage of net charge-offs (x) | 4.0605% | 1,864 |
| Efficiency ratio | 65.0025% | 2,328 |
| Assets per employee ($millions) | 8.2001% | 1,250 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 3,721 |
| Loan loss allowance to noncurrent loans | 329.3130% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2259% | 1,992 |
| Noncurrent loans to loans | 0.2880% | 2,115 |
| Net loans and leases to total assets | 77.6800% | 801 |
| Net loans and leases to deposits | 92.0520% | 914 |
| Net loans and leases to core deposits | 99.1872% | 1,125 |
| Total domestic deposits to total assets | 84.3900% | 3,000 |
| Equity capital to assets | 9.3373% | 2,267 |
| Core capital (leverage) ratio | 9.6837% | 3,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4863% | 2,182 |
| Memoranda: | ||
| Average total assets | $2,554,611,500 | 453 |
| Average earning assets | $2,365,598,500 | 446 |
| Average equity | $236,384,500 | 472 |
| Average total loans | $1,998,949,500 | 400 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6209% | 2,734 |
| Cost of funding earning assets | 0.2394% | 3,419 |
| Net interest margin | 3.3814% | 2,316 |
| Noninterest income to average assets | 0.5500% | 1,854 |
| Noninterest expense to average assets | 2.1493% | 3,158 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.1466% | 1,988 |
| Return on assets (ROA) | 1.1243% | 2,017 |
| Pretax return on assets | 1.4831% | 1,507 |
| Return on Equity (ROE) | 12.8300% | 1,858 |
| Retained earnings to average equity (ytd only) | 9.1925% | 1,424 |
| Net charge-offs to loans | 0.0285% | 1,493 |
| Credit loss provision to net charge-offs | 125.8993% | 1,427 |
| Earnings coverage of net charge-offs (x) | 70.7554% | 1,152 |
| Efficiency ratio | 57.8813% | 3,354 |
| Assets per employee ($millions) | 8.2284% | 1,221 |
| Cash dividends to net income (ytd only)* | 28.3587% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,383 |
| Loan loss allowance to noncurrent loans | 351.1452% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2225% | 2,045 |
| Noncurrent loans to loans | 0.2850% | 2,124 |
| Net loans and leases to total assets | 77.2900% | 867 |
| Net loans and leases to deposits | 88.0418% | 1,172 |
| Net loans and leases to core deposits | 93.5341% | 1,317 |
| Total domestic deposits to total assets | 87.7900% | 2,149 |
| Equity capital to assets | 9.1690% | 2,247 |
| Core capital (leverage) ratio | 9.4940% | 3,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5010% | 2,167 |
| Memoranda: | ||
| Average total assets | $2,556,782,400 | 446 |
| Average earning assets | $2,373,086,200 | 437 |
| Average equity | $224,031,200 | 481 |
| Average total loans | $1,953,154,600 | 384 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4975% | 2,626 |
| Cost of funding earning assets | 0.1797% | 3,520 |
| Net interest margin | 3.3177% | 2,246 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.1642% | 3,027 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.0203% | 2,406 |
| Return on assets (ROA) | 0.9899% | 2,482 |
| Pretax return on assets | 1.2895% | 2,082 |
| Return on Equity (ROE) | 11.4300% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.9083% | 2,036 |
| Net charge-offs to loans | 0.0088% | 1,799 |
| Credit loss provision to net charge-offs | 426.3566% | 680 |
| Earnings coverage of net charge-offs (x) | 201.7984% | 619 |
| Efficiency ratio | 61.0498% | 2,961 |
| Assets per employee ($millions) | 8.3928% | 1,120 |
| Cash dividends to net income (ytd only)* | 30.8061% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0065% | 3,442 |
| Loan loss allowance to noncurrent loans | 457.8160% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 2,426 |
| Noncurrent loans to loans | 0.2199% | 2,511 |
| Net loans and leases to total assets | 77.1400% | 789 |
| Net loans and leases to deposits | 86.7922% | 1,122 |
| Net loans and leases to core deposits | 89.0975% | 1,355 |
| Total domestic deposits to total assets | 88.8700% | 2,142 |
| Equity capital to assets | 8.4525% | 2,578 |
| Core capital (leverage) ratio | 9.2611% | 3,324 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1097% | 2,426 |
| Memoranda: | ||
| Average total assets | $2,558,277,500 | 445 |
| Average earning assets | $2,376,614,250 | 436 |
| Average equity | $221,568,500 | 483 |
| Average total loans | $1,943,593,250 | 382 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4204% | 2,372 |
| Cost of funding earning assets | 0.1679% | 3,342 |
| Net interest margin | 3.2526% | 2,048 |
| Noninterest income to average assets | 0.4384% | 2,516 |
| Noninterest expense to average assets | 2.1715% | 2,939 |
| Loan and lease loss provision to assets | -0.0098% | 4,397 |
| Net operating income to assets | 0.9962% | 2,168 |
| Return on assets (ROA) | 0.9650% | 2,266 |
| Pretax return on assets | 1.2617% | 1,864 |
| Return on Equity (ROE) | 11.0524% | 1,964 |
| Retained earnings to average equity (ytd only) | 8.0878% | 1,586 |
| Net charge-offs to loans | 0.0106% | 1,590 |
| Credit loss provision to net charge-offs | -122.5490% | 3,139 |
| Earnings coverage of net charge-offs (x) | 161.5784% | 605 |
| Efficiency ratio | 62.2796% | 3,011 |
| Assets per employee ($millions) | 7.8446% | 1,385 |
| Cash dividends to net income (ytd only)* | 26.8231% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9900% | 3,643 |
| Loan loss allowance to noncurrent loans | 479.0595% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 2,596 |
| Noncurrent loans to loans | 0.2067% | 2,682 |
| Net loans and leases to total assets | 76.0245% | 730 |
| Net loans and leases to deposits | 84.9214% | 1,059 |
| Net loans and leases to core deposits | 86.7121% | 1,284 |
| Total domestic deposits to total assets | 89.5233% | 1,933 |
| Equity capital to assets | 8.5737% | 2,704 |
| Core capital (leverage) ratio | 9.1267% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9802% | 2,510 |
| Memoranda: | ||
| Average total assets | $2,552,172,000 | 442 |
| Average earning assets | $2,373,326,333 | 437 |
| Average equity | $222,829,000 | 484 |
| Average total loans | $1,922,233,667 | 376 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3726% | 2,172 |
| Cost of funding earning assets | 0.1678% | 3,249 |
| Net interest margin | 3.2048% | 1,866 |
| Noninterest income to average assets | 0.4134% | 2,600 |
| Noninterest expense to average assets | 2.1853% | 2,882 |
| Loan and lease loss provision to assets | -0.0669% | 4,547 |
| Net operating income to assets | 0.9660% | 2,011 |
| Return on assets (ROA) | 0.9312% | 2,143 |
| Pretax return on assets | 1.2333% | 1,697 |
| Return on Equity (ROE) | 10.5689% | 1,771 |
| Retained earnings to average equity (ytd only) | 7.6217% | 1,695 |
| Net charge-offs to loans | 0.0114% | 1,346 |
| Credit loss provision to net charge-offs | -787.0370% | 3,231 |
| Earnings coverage of net charge-offs (x) | 142.4444% | 557 |
| Efficiency ratio | 63.9170% | 3,037 |
| Assets per employee ($millions) | 8.1502% | 1,287 |
| Cash dividends to net income (ytd only)* | 27.8858% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,719 |
| Loan loss allowance to noncurrent loans | 483.4251% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.1566% | 2,703 |
| Noncurrent loans to loans | 0.2073% | 2,786 |
| Net loans and leases to total assets | 74.7542% | 593 |
| Net loans and leases to deposits | 83.6498% | 905 |
| Net loans and leases to core deposits | 85.7843% | 1,143 |
| Total domestic deposits to total assets | 89.3656% | 1,891 |
| Equity capital to assets | 8.6972% | 2,974 |
| Core capital (leverage) ratio | 9.0681% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0907% | 2,577 |
| Memoranda: | ||
| Average total assets | $2,541,738,500 | 449 |
| Average earning assets | $2,365,291,500 | 442 |
| Average equity | $223,941,000 | 499 |
| Average total loans | $1,895,500,500 | 380 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4888% | 2,688 |
| Cost of funding earning assets | 0.2607% | 2,802 |
| Net interest margin | 3.2282% | 2,528 |
| Noninterest income to average assets | 0.5195% | 2,485 |
| Noninterest expense to average assets | 2.1300% | 3,304 |
| Loan and lease loss provision to assets | -0.0375% | 4,302 |
| Net operating income to assets | 1.0639% | 2,440 |
| Return on assets (ROA) | 1.0562% | 2,531 |
| Pretax return on assets | 1.4150% | 2,001 |
| Return on Equity (ROE) | 12.0064% | 1,815 |
| Retained earnings to average equity (ytd only) | 5.9998% | 2,363 |
| Net charge-offs to loans | 0.0236% | 1,774 |
| Credit loss provision to net charge-offs | -207.8652% | 3,526 |
| Earnings coverage of net charge-offs (x) | 76.8315% | 1,021 |
| Efficiency ratio | 60.1278% | 3,126 |
| Assets per employee ($millions) | 8.1957% | 1,220 |
| Cash dividends to net income (ytd only)* | 50.0288% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 3,516 |
| Loan loss allowance to noncurrent loans | 397.9686% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 2,578 |
| Noncurrent loans to loans | 0.2666% | 2,648 |
| Net loans and leases to total assets | 72.8507% | 771 |
| Net loans and leases to deposits | 81.6668% | 1,091 |
| Net loans and leases to core deposits | 84.1096% | 1,323 |
| Total domestic deposits to total assets | 89.2048% | 1,414 |
| Equity capital to assets | 8.9247% | 3,704 |
| Core capital (leverage) ratio | 8.8624% | 3,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3459% | 2,511 |
| Memoranda: | ||
| Average total assets | $2,464,672,000 | 441 |
| Average earning assets | $2,288,710,000 | 441 |
| Average equity | $216,825,200 | 503 |
| Average total loans | $1,888,021,000 | 379 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5173% | 2,774 |
| Cost of funding earning assets | 0.2862% | 2,738 |
| Net interest margin | 3.2312% | 2,631 |
| Noninterest income to average assets | 0.4821% | 2,704 |
| Noninterest expense to average assets | 2.1370% | 3,259 |
| Loan and lease loss provision to assets | -0.0667% | 4,516 |
| Net operating income to assets | 1.0483% | 2,739 |
| Return on assets (ROA) | 1.0421% | 2,827 |
| Pretax return on assets | 1.4025% | 2,323 |
| Return on Equity (ROE) | 11.8900% | 2,087 |
| Retained earnings to average equity (ytd only) | 4.9111% | 3,249 |
| Net charge-offs to loans | 0.0067% | 2,071 |
| Credit loss provision to net charge-offs | -1,289.4737% | 3,911 |
| Earnings coverage of net charge-offs (x) | 259.6526% | 473 |
| Efficiency ratio | 60.9571% | 2,843 |
| Assets per employee ($millions) | 8.1024% | 1,230 |
| Cash dividends to net income (ytd only)* | 58.6953% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 3,560 |
| Loan loss allowance to noncurrent loans | 352.2195% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2250% | 2,657 |
| Noncurrent loans to loans | 0.3051% | 2,701 |
| Net loans and leases to total assets | 72.9466% | 781 |
| Net loans and leases to deposits | 81.8174% | 1,126 |
| Net loans and leases to core deposits | 84.6728% | 1,374 |
| Total domestic deposits to total assets | 89.1578% | 1,194 |
| Equity capital to assets | 8.7659% | 4,025 |
| Core capital (leverage) ratio | 8.8884% | 3,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5983% | 2,508 |
| Memoranda: | ||
| Average total assets | $2,447,720,250 | 449 |
| Average earning assets | $2,271,465,250 | 445 |
| Average equity | $214,527,500 | 510 |
| Average total loans | $1,893,847,250 | 381 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5217% | 2,829 |
| Cost of funding earning assets | 0.3246% | 2,549 |
| Net interest margin | 3.1971% | 2,767 |
| Noninterest income to average assets | 0.4587% | 2,805 |
| Noninterest expense to average assets | 2.1327% | 3,292 |
| Loan and lease loss provision to assets | -0.0926% | 4,610 |
| Net operating income to assets | 1.0310% | 2,785 |
| Return on assets (ROA) | 1.0208% | 2,900 |
| Pretax return on assets | 1.3720% | 2,411 |
| Return on Equity (ROE) | 11.6478% | 2,183 |
| Retained earnings to average equity (ytd only) | 2.2473% | 4,057 |
| Net charge-offs to loans | 0.0170% | 1,611 |
| Credit loss provision to net charge-offs | -694.4444% | 3,562 |
| Earnings coverage of net charge-offs (x) | 96.8889% | 766 |
| Efficiency ratio | 61.8155% | 2,754 |
| Assets per employee ($millions) | 7.2070% | 1,658 |
| Cash dividends to net income (ytd only)* | 80.7066% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 3,592 |
| Loan loss allowance to noncurrent loans | 332.6080% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2431% | 2,718 |
| Noncurrent loans to loans | 0.3183% | 2,778 |
| Net loans and leases to total assets | 75.5665% | 628 |
| Net loans and leases to deposits | 84.8180% | 1,004 |
| Net loans and leases to core deposits | 88.8408% | 1,217 |
| Total domestic deposits to total assets | 89.0925% | 1,233 |
| Equity capital to assets | 8.7276% | 4,024 |
| Core capital (leverage) ratio | 8.6960% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5643% | 2,523 |
| Memoranda: | ||
| Average total assets | $2,429,083,333 | 444 |
| Average earning assets | $2,253,756,333 | 445 |
| Average equity | $212,881,667 | 509 |
| Average total loans | $1,909,746,333 | 379 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5773% | 2,714 |
| Cost of funding earning assets | 0.3584% | 2,456 |
| Net interest margin | 3.2189% | 2,639 |
| Noninterest income to average assets | 0.5226% | 2,513 |
| Noninterest expense to average assets | 2.1174% | 3,372 |
| Loan and lease loss provision to assets | 0.0124% | 2,617 |
| Net operating income to assets | 1.0458% | 2,652 |
| Return on assets (ROA) | 1.0260% | 2,804 |
| Pretax return on assets | 1.3536% | 2,417 |
| Return on Equity (ROE) | 11.6825% | 2,131 |
| Retained earnings to average equity (ytd only) | -1.6447% | 4,518 |
| Net charge-offs to loans | 0.0010% | 1,902 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | 1,679.6000% | 50 |
| Efficiency ratio | 59.9122% | 3,042 |
| Assets per employee ($millions) | 7.9293% | 1,228 |
| Cash dividends to net income (ytd only)* | 114.0781% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 3,418 |
| Loan loss allowance to noncurrent loans | 313.3137% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2747% | 2,779 |
| Noncurrent loans to loans | 0.3520% | 2,820 |
| Net loans and leases to total assets | 77.1948% | 524 |
| Net loans and leases to deposits | 88.0894% | 823 |
| Net loans and leases to core deposits | 94.2180% | 965 |
| Total domestic deposits to total assets | 87.6323% | 2,026 |
| Equity capital to assets | 8.5203% | 4,096 |
| Core capital (leverage) ratio | 8.8054% | 3,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8549% | 2,342 |
| Memoranda: | ||
| Average total assets | $2,414,828,000 | 439 |
| Average earning assets | $2,240,016,000 | 437 |
| Average equity | $212,077,500 | 503 |
| Average total loans | $1,926,125,500 | 373 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 3,180 |
| Cost of funding earning assets | 0.8555% | 999 |
| Net interest margin | 2.9883% | 3,914 |
| Noninterest income to average assets | 0.3082% | 3,637 |
| Noninterest expense to average assets | 2.1438% | 3,842 |
| Loan and lease loss provision to assets | 0.3339% | 1,061 |
| Net operating income to assets | 0.4745% | 4,082 |
| Return on assets (ROA) | 0.5449% | 4,013 |
| Pretax return on assets | 0.6862% | 3,908 |
| Return on Equity (ROE) | 5.8593% | 3,626 |
| Retained earnings to average equity (ytd only) | -1.4421% | 4,670 |
| Net charge-offs to loans | 0.0380% | 2,297 |
| Credit loss provision to net charge-offs | 1,079.8611% | 742 |
| Earnings coverage of net charge-offs (x) | 30.1139% | 1,611 |
| Efficiency ratio | 69.1971% | 2,064 |
| Assets per employee ($millions) | 7.2952% | 1,400 |
| Cash dividends to net income (ytd only)* | 124.6119% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 3,471 |
| Loan loss allowance to noncurrent loans | 270.0664% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 2,662 |
| Noncurrent loans to loans | 0.4065% | 2,755 |
| Net loans and leases to total assets | 80.6481% | 385 |
| Net loans and leases to deposits | 93.2305% | 704 |
| Net loans and leases to core deposits | 102.1381% | 805 |
| Total domestic deposits to total assets | 86.5040% | 2,147 |
| Equity capital to assets | 9.0556% | 4,007 |
| Core capital (leverage) ratio | 8.8345% | 3,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9111% | 2,276 |
| Memoranda: | ||
| Average total assets | $2,328,849,000 | 420 |
| Average earning assets | $2,156,071,800 | 417 |
| Average equity | $216,563,200 | 476 |
| Average total loans | $1,896,302,400 | 366 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7975% | 3,576 |
| Cost of funding earning assets | 0.9643% | 866 |
| Net interest margin | 2.8332% | 4,285 |
| Noninterest income to average assets | 0.2695% | 3,856 |
| Noninterest expense to average assets | 2.0738% | 3,999 |
| Loan and lease loss provision to assets | 0.4181% | 809 |
| Net operating income to assets | 0.3216% | 4,408 |
| Return on assets (ROA) | 0.4181% | 4,294 |
| Pretax return on assets | 0.5206% | 4,245 |
| Return on Equity (ROE) | 4.4660% | 4,040 |
| Retained earnings to average equity (ytd only) | -3.1983% | 4,782 |
| Net charge-offs to loans | 0.0484% | 1,922 |
| Credit loss provision to net charge-offs | 1,062.0438% | 797 |
| Earnings coverage of net charge-offs (x) | 20.7839% | 1,889 |
| Efficiency ratio | 71.1515% | 1,732 |
| Assets per employee ($millions) | 7.9512% | 1,015 |
| Cash dividends to net income (ytd only)* | 171.6151% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 3,471 |
| Loan loss allowance to noncurrent loans | 225.0843% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.3706% | 2,667 |
| Noncurrent loans to loans | 0.4656% | 2,661 |
| Net loans and leases to total assets | 78.7531% | 745 |
| Net loans and leases to deposits | 96.8144% | 701 |
| Net loans and leases to core deposits | 108.1648% | 764 |
| Total domestic deposits to total assets | 81.3444% | 3,580 |
| Equity capital to assets | 8.7633% | 4,280 |
| Core capital (leverage) ratio | 8.7622% | 3,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7099% | 2,321 |
| Memoranda: | ||
| Average total assets | $2,320,153,000 | 413 |
| Average earning assets | $2,147,558,750 | 409 |
| Average equity | $217,193,500 | 467 |
| Average total loans | $1,888,532,250 | 364 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 3,655 |
| Cost of funding earning assets | 1.0577% | 823 |
| Net interest margin | 2.8312% | 4,407 |
| Noninterest income to average assets | 0.3917% | 3,135 |
| Noninterest expense to average assets | 2.0878% | 4,055 |
| Loan and lease loss provision to assets | 0.4015% | 1,002 |
| Net operating income to assets | 0.4130% | 4,213 |
| Return on assets (ROA) | 0.4252% | 4,241 |
| Pretax return on assets | 0.5335% | 4,195 |
| Return on Equity (ROE) | 4.4389% | 3,990 |
| Retained earnings to average equity (ytd only) | -5.6023% | 4,796 |
| Net charge-offs to loans | 0.0429% | 1,887 |
| Credit loss provision to net charge-offs | 1,140.3509% | 722 |
| Earnings coverage of net charge-offs (x) | 26.1228% | 1,533 |
| Efficiency ratio | 68.8710% | 2,108 |
| Assets per employee ($millions) | 7.4374% | 1,208 |
| Cash dividends to net income (ytd only)* | 226.2088% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 3,947 |
| Loan loss allowance to noncurrent loans | 176.1363% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.4261% | 2,600 |
| Noncurrent loans to loans | 0.5183% | 2,605 |
| Net loans and leases to total assets | 81.4663% | 456 |
| Net loans and leases to deposits | 101.5741% | 462 |
| Net loans and leases to core deposits | 111.7107% | 678 |
| Total domestic deposits to total assets | 80.2038% | 3,791 |
| Equity capital to assets | 8.9101% | 4,165 |
| Core capital (leverage) ratio | 8.9559% | 3,951 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2716% | 2,494 |
| Memoranda: | ||
| Average total assets | $2,266,608,667 | 413 |
| Average earning assets | $2,094,133,000 | 408 |
| Average equity | $217,125,333 | 463 |
| Average total loans | $1,859,914,000 | 364 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,645 |
| Cost of funding earning assets | 1.1601% | 879 |
| Net interest margin | 2.8924% | 4,442 |
| Noninterest income to average assets | 0.4396% | 2,852 |
| Noninterest expense to average assets | 2.1695% | 4,080 |
| Loan and lease loss provision to assets | 0.3846% | 796 |
| Net operating income to assets | 0.4307% | 4,067 |
| Return on assets (ROA) | 0.4487% | 4,070 |
| Pretax return on assets | 0.5738% | 3,971 |
| Return on Equity (ROE) | 4.5091% | 3,816 |
| Retained earnings to average equity (ytd only) | -12.8334% | 4,846 |
| Net charge-offs to loans | 0.0816% | 1,215 |
| Credit loss provision to net charge-offs | 575.3425% | 816 |
| Earnings coverage of net charge-offs (x) | 13.9945% | 1,622 |
| Efficiency ratio | 69.3152% | 2,461 |
| Assets per employee ($millions) | 7.1282% | 1,034 |
| Cash dividends to net income (ytd only)* | 384.6122% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,193 |
| Loan loss allowance to noncurrent loans | 164.1480% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 2,699 |
| Noncurrent loans to loans | 0.5348% | 2,661 |
| Net loans and leases to total assets | 81.7204% | 467 |
| Net loans and leases to deposits | 104.4406% | 349 |
| Net loans and leases to core deposits | 116.8463% | 558 |
| Total domestic deposits to total assets | 78.2459% | 4,177 |
| Equity capital to assets | 9.8340% | 3,931 |
| Core capital (leverage) ratio | 9.5480% | 3,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7980% | 2,794 |
| Memoranda: | ||
| Average total assets | $2,183,900,500 | 416 |
| Average earning assets | $2,012,558,500 | 407 |
| Average equity | $217,339,500 | 463 |
| Average total loans | $1,790,104,500 | 366 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1670% | 3,889 |
| Cost of funding earning assets | 1.2248% | 963 |
| Net interest margin | 2.9421% | 4,597 |
| Noninterest income to average assets | 0.4500% | 3,007 |
| Noninterest expense to average assets | 2.1395% | 4,292 |
| Loan and lease loss provision to assets | 0.1249% | 1,700 |
| Net operating income to assets | 0.6915% | 3,891 |
| Return on assets (ROA) | 0.6941% | 3,948 |
| Pretax return on assets | 0.8967% | 3,751 |
| Return on Equity (ROE) | 6.7754% | 3,631 |
| Retained earnings to average equity (ytd only) | -4.6521% | 4,971 |
| Net charge-offs to loans | 0.0363% | 2,655 |
| Credit loss provision to net charge-offs | 427.3163% | 667 |
| Earnings coverage of net charge-offs (x) | 34.8339% | 1,431 |
| Efficiency ratio | 67.1942% | 2,582 |
| Assets per employee ($millions) | 7.2167% | 970 |
| Cash dividends to net income (ytd only)* | 168.6608% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 4,321 |
| Loan loss allowance to noncurrent loans | 143.0804% | 2,665 |
| Noncurrent assets plus other real estate owned to assets | 0.4522% | 2,591 |
| Noncurrent loans to loans | 0.5549% | 2,512 |
| Net loans and leases to total assets | 80.8433% | 690 |
| Net loans and leases to deposits | 104.6957% | 349 |
| Net loans and leases to core deposits | 117.4152% | 553 |
| Total domestic deposits to total assets | 77.2175% | 4,467 |
| Equity capital to assets | 10.0703% | 3,856 |
| Core capital (leverage) ratio | 9.8763% | 3,646 |
| Tier 1 risk-based capital ratio | 12.4016% | 4,131 |
| Total risk-based capital ratio | 13.2204% | 4,255 |
| Memoranda: | ||
| Average total assets | $2,141,042,400 | 404 |
| Average earning assets | $1,970,641,400 | 402 |
| Average equity | $219,322,200 | 440 |
| Average total loans | $1,725,460,000 | 367 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 4,040 |
| Cost of funding earning assets | 1.2247% | 970 |
| Net interest margin | 2.9255% | 4,733 |
| Noninterest income to average assets | 0.4451% | 3,051 |
| Noninterest expense to average assets | 2.1555% | 4,262 |
| Loan and lease loss provision to assets | 0.1048% | 1,840 |
| Net operating income to assets | 0.6793% | 4,077 |
| Return on assets (ROA) | 0.6883% | 4,106 |
| Pretax return on assets | 0.8895% | 3,908 |
| Return on Equity (ROE) | 6.6901% | 3,816 |
| Retained earnings to average equity (ytd only) | -7.6939% | 5,119 |
| Net charge-offs to loans | 0.0355% | 2,371 |
| Credit loss provision to net charge-offs | 367.3246% | 820 |
| Earnings coverage of net charge-offs (x) | 34.4586% | 1,498 |
| Efficiency ratio | 68.1210% | 2,395 |
| Assets per employee ($millions) | 7.2372% | 936 |
| Cash dividends to net income (ytd only)* | 215.0050% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7577% | 4,523 |
| Loan loss allowance to noncurrent loans | 120.1412% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.5088% | 2,487 |
| Noncurrent loans to loans | 0.6307% | 2,393 |
| Net loans and leases to total assets | 80.0642% | 837 |
| Net loans and leases to deposits | 103.5642% | 431 |
| Net loans and leases to core deposits | 116.0493% | 655 |
| Total domestic deposits to total assets | 77.3087% | 4,475 |
| Equity capital to assets | 10.1084% | 3,911 |
| Core capital (leverage) ratio | 9.9270% | 3,714 |
| Tier 1 risk-based capital ratio | 12.5042% | 4,143 |
| Total risk-based capital ratio | 13.2905% | 4,289 |
| Memoranda: | ||
| Average total assets | $2,131,443,000 | 407 |
| Average earning assets | $1,962,215,500 | 403 |
| Average equity | $219,283,750 | 442 |
| Average total loans | $1,712,816,500 | 372 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1284% | 4,094 |
| Cost of funding earning assets | 1.2042% | 982 |
| Net interest margin | 2.9242% | 4,794 |
| Noninterest income to average assets | 0.4343% | 3,038 |
| Noninterest expense to average assets | 2.1895% | 4,245 |
| Loan and lease loss provision to assets | 0.0378% | 3,059 |
| Net operating income to assets | 0.6933% | 4,026 |
| Return on assets (ROA) | 0.6998% | 4,067 |
| Pretax return on assets | 0.9089% | 3,824 |
| Return on Equity (ROE) | 6.7621% | 3,761 |
| Retained earnings to average equity (ytd only) | -12.3738% | 5,196 |
| Net charge-offs to loans | 0.0035% | 3,035 |
| Credit loss provision to net charge-offs | 1,333.3333% | 272 |
| Earnings coverage of net charge-offs (x) | 331.2667% | 237 |
| Efficiency ratio | 69.4328% | 2,313 |
| Assets per employee ($millions) | 6.5990% | 1,192 |
| Cash dividends to net income (ytd only)* | 282.9870% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7214% | 4,665 |
| Loan loss allowance to noncurrent loans | 83.2139% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 1,949 |
| Noncurrent loans to loans | 0.8669% | 1,873 |
| Net loans and leases to total assets | 80.4631% | 812 |
| Net loans and leases to deposits | 103.5979% | 438 |
| Net loans and leases to core deposits | 117.3922% | 633 |
| Total domestic deposits to total assets | 77.6686% | 4,455 |
| Equity capital to assets | 10.2280% | 3,773 |
| Core capital (leverage) ratio | 10.0334% | 3,550 |
| Tier 1 risk-based capital ratio | 12.5819% | 4,085 |
| Total risk-based capital ratio | 13.3259% | 4,261 |
| Memoranda: | ||
| Average total assets | $2,118,208,670 | 407 |
| Average earning assets | $1,951,122,330 | 404 |
| Average equity | $219,222,000 | 443 |
| Average total loans | $1,699,894,670 | 376 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1191% | 4,076 |
| Cost of funding earning assets | 1.1774% | 966 |
| Net interest margin | 2.9417% | 4,835 |
| Noninterest income to average assets | 0.3908% | 3,251 |
| Noninterest expense to average assets | 2.1836% | 4,303 |
| Loan and lease loss provision to assets | 0.0095% | 3,313 |
| Net operating income to assets | 0.6981% | 3,940 |
| Return on assets (ROA) | 0.7138% | 3,934 |
| Pretax return on assets | 0.9271% | 3,670 |
| Return on Equity (ROE) | 6.8566% | 3,732 |
| Retained earnings to average equity (ytd only) | -24.2597% | 5,283 |
| Net charge-offs to loans | 0.0531% | 1,527 |
| Credit loss provision to net charge-offs | 22.3214% | 2,122 |
| Earnings coverage of net charge-offs (x) | 21.6384% | 1,525 |
| Efficiency ratio | 69.8572% | 2,362 |
| Assets per employee ($millions) | 7.1640% | 931 |
| Cash dividends to net income (ytd only)* | 453.8156% | 45 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7068% | 4,768 |
| Loan loss allowance to noncurrent loans | 77.4684% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 1,933 |
| Noncurrent loans to loans | 0.9124% | 1,831 |
| Net loans and leases to total assets | 78.9633% | 994 |
| Net loans and leases to deposits | 101.9798% | 501 |
| Net loans and leases to core deposits | 115.5201% | 663 |
| Total domestic deposits to total assets | 77.4304% | 4,602 |
| Equity capital to assets | 10.1779% | 3,643 |
| Core capital (leverage) ratio | 9.9946% | 3,609 |
| Tier 1 risk-based capital ratio | 12.8335% | 3,961 |
| Total risk-based capital ratio | 13.5587% | 4,155 |
| Memoranda: | ||
| Average total assets | $2,114,877,000 | 409 |
| Average earning assets | $1,947,999,000 | 406 |
| Average equity | $220,167,500 | 436 |
| Average total loans | $1,688,761,500 | 380 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0790% | 3,802 |
| Cost of funding earning assets | 0.9800% | 815 |
| Net interest margin | 3.0990% | 4,654 |
| Noninterest income to average assets | 0.4590% | 3,052 |
| Noninterest expense to average assets | 2.0972% | 4,573 |
| Loan and lease loss provision to assets | 0.0903% | 2,340 |
| Net operating income to assets | 0.8714% | 3,531 |
| Return on assets (ROA) | 0.8555% | 3,588 |
| Pretax return on assets | 1.1044% | 3,248 |
| Return on Equity (ROE) | 7.7900% | 3,525 |
| Retained earnings to average equity (ytd only) | -4.6394% | 5,234 |
| Net charge-offs to loans | 0.0407% | 2,593 |
| Credit loss provision to net charge-offs | 280.2360% | 1,084 |
| Earnings coverage of net charge-offs (x) | 37.6888% | 1,372 |
| Efficiency ratio | 62.7835% | 3,388 |
| Assets per employee ($millions) | 7.3742% | 841 |
| Cash dividends to net income (ytd only)* | 159.5554% | 82 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 4,783 |
| Loan loss allowance to noncurrent loans | 89.4471% | 3,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6367% | 2,134 |
| Noncurrent loans to loans | 0.7941% | 2,018 |
| Net loans and leases to total assets | 79.6077% | 996 |
| Net loans and leases to deposits | 105.2576% | 403 |
| Net loans and leases to core deposits | 119.0747% | 577 |
| Total domestic deposits to total assets | 75.6313% | 4,790 |
| Equity capital to assets | 10.6426% | 3,036 |
| Core capital (leverage) ratio | 10.5850% | 2,945 |
| Tier 1 risk-based capital ratio | 13.4555% | 3,575 |
| Total risk-based capital ratio | 14.1811% | 3,772 |
| Memoranda: | ||
| Average total assets | $2,103,476,800 | 404 |
| Average earning assets | $1,936,502,000 | 401 |
| Average equity | $231,000,400 | 405 |
| Average total loans | $1,667,194,200 | 377 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,769 |
| Cost of funding earning assets | 0.9388% | 778 |
| Net interest margin | 3.1174% | 4,675 |
| Noninterest income to average assets | 0.4719% | 3,034 |
| Noninterest expense to average assets | 2.0830% | 4,587 |
| Loan and lease loss provision to assets | 0.1016% | 1,971 |
| Net operating income to assets | 0.9019% | 3,519 |
| Return on assets (ROA) | 0.8799% | 3,630 |
| Pretax return on assets | 1.1283% | 3,281 |
| Return on Equity (ROE) | 7.9502% | 3,568 |
| Retained earnings to average equity (ytd only) | -1.8516% | 5,187 |
| Net charge-offs to loans | 0.0157% | 2,866 |
| Credit loss provision to net charge-offs | 816.3265% | 482 |
| Earnings coverage of net charge-offs (x) | 101.0855% | 743 |
| Efficiency ratio | 61.8147% | 3,542 |
| Assets per employee ($millions) | 7.4566% | 788 |
| Cash dividends to net income (ytd only)* | 123.2900% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 4,830 |
| Loan loss allowance to noncurrent loans | 95.6831% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.5954% | 2,395 |
| Noncurrent loans to loans | 0.7555% | 2,197 |
| Net loans and leases to total assets | 78.2459% | 1,306 |
| Net loans and leases to deposits | 104.0769% | 543 |
| Net loans and leases to core deposits | 116.7347% | 680 |
| Total domestic deposits to total assets | 75.1809% | 4,866 |
| Equity capital to assets | 10.6861% | 2,947 |
| Core capital (leverage) ratio | 10.9898% | 2,585 |
| Tier 1 risk-based capital ratio | 13.9528% | 3,397 |
| Total risk-based capital ratio | 14.6920% | 3,574 |
| Memoranda: | ||
| Average total assets | $2,100,250,000 | 403 |
| Average earning assets | $1,932,856,500 | 401 |
| Average equity | $232,441,000 | 401 |
| Average total loans | $1,659,778,500 | 378 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,514 |
| Cost of funding earning assets | 0.8971% | 742 |
| Net interest margin | 3.1873% | 4,538 |
| Noninterest income to average assets | 0.4890% | 2,925 |
| Noninterest expense to average assets | 2.0917% | 4,629 |
| Loan and lease loss provision to assets | 0.1199% | 1,646 |
| Net operating income to assets | 0.9432% | 3,257 |
| Return on assets (ROA) | 0.9131% | 3,405 |
| Pretax return on assets | 1.1739% | 3,032 |
| Return on Equity (ROE) | 8.1542% | 3,434 |
| Retained earnings to average equity (ytd only) | -2.2345% | 5,170 |
| Net charge-offs to loans | 0.0115% | 2,746 |
| Credit loss provision to net charge-offs | 1,315.7895% | 319 |
| Earnings coverage of net charge-offs (x) | 146.1263% | 529 |
| Efficiency ratio | 60.5695% | 3,842 |
| Assets per employee ($millions) | 6.8386% | 1,000 |
| Cash dividends to net income (ytd only)* | 127.4036% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7182% | 4,905 |
| Loan loss allowance to noncurrent loans | 92.0372% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 2,352 |
| Noncurrent loans to loans | 0.7803% | 2,172 |
| Net loans and leases to total assets | 79.1782% | 1,134 |
| Net loans and leases to deposits | 106.3666% | 420 |
| Net loans and leases to core deposits | 118.1457% | 622 |
| Total domestic deposits to total assets | 74.4389% | 5,008 |
| Equity capital to assets | 11.0352% | 2,605 |
| Core capital (leverage) ratio | 11.0775% | 2,453 |
| Tier 1 risk-based capital ratio | 14.1083% | 3,313 |
| Total risk-based capital ratio | 14.8388% | 3,481 |
| Memoranda: | ||
| Average total assets | $2,084,499,330 | 407 |
| Average earning assets | $1,919,230,330 | 403 |
| Average equity | $233,426,330 | 401 |
| Average total loans | $1,648,848,670 | 380 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9122% | 3,894 |
| Cost of funding earning assets | 0.8375% | 801 |
| Net interest margin | 3.0747% | 4,752 |
| Noninterest income to average assets | 0.3988% | 3,479 |
| Noninterest expense to average assets | 2.0867% | 4,686 |
| Loan and lease loss provision to assets | 0.0961% | 1,908 |
| Net operating income to assets | 0.8020% | 3,692 |
| Return on assets (ROA) | 0.7554% | 3,891 |
| Pretax return on assets | 0.9875% | 3,579 |
| Return on Equity (ROE) | 6.6968% | 3,910 |
| Retained earnings to average equity (ytd only) | -3.3902% | 5,107 |
| Net charge-offs to loans | -0.0095% | 4,227 |
| Credit loss provision to net charge-offs | -1,282.0513% | 4,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0569% | 3,474 |
| Assets per employee ($millions) | 7.5171% | 762 |
| Cash dividends to net income (ytd only)* | 150.6236% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6904% | 5,047 |
| Loan loss allowance to noncurrent loans | 94.1381% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 0.5801% | 2,586 |
| Noncurrent loans to loans | 0.7333% | 2,377 |
| Net loans and leases to total assets | 78.5516% | 1,153 |
| Net loans and leases to deposits | 104.8679% | 439 |
| Net loans and leases to core deposits | 116.7089% | 705 |
| Total domestic deposits to total assets | 74.9052% | 5,073 |
| Equity capital to assets | 11.1563% | 2,424 |
| Core capital (leverage) ratio | 11.2690% | 2,191 |
| Tier 1 risk-based capital ratio | 14.2310% | 3,262 |
| Total risk-based capital ratio | 14.9283% | 3,465 |
| Memoranda: | ||
| Average total assets | $2,080,445,000 | 410 |
| Average earning assets | $1,915,244,500 | 407 |
| Average equity | $234,678,000 | 401 |
| Average total loans | $1,638,835,500 | 384 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8762% | 3,799 |
| Cost of funding earning assets | 0.7667% | 751 |
| Net interest margin | 3.1094% | 4,672 |
| Noninterest income to average assets | 0.4066% | 3,594 |
| Noninterest expense to average assets | 2.0621% | 4,858 |
| Loan and lease loss provision to assets | 0.0655% | 2,902 |
| Net operating income to assets | 0.6120% | 3,959 |
| Return on assets (ROA) | 0.6136% | 3,996 |
| Pretax return on assets | 1.1401% | 3,020 |
| Return on Equity (ROE) | 5.3717% | 4,014 |
| Retained earnings to average equity (ytd only) | 1.7646% | 4,258 |
| Net charge-offs to loans | 0.0372% | 3,046 |
| Credit loss provision to net charge-offs | 227.8057% | 1,217 |
| Earnings coverage of net charge-offs (x) | 41.8693% | 1,220 |
| Efficiency ratio | 62.6012% | 3,843 |
| Assets per employee ($millions) | 7.4504% | 785 |
| Cash dividends to net income (ytd only)* | 67.1504% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 5,132 |
| Loan loss allowance to noncurrent loans | 84.9490% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 2,469 |
| Noncurrent loans to loans | 0.7819% | 2,267 |
| Net loans and leases to total assets | 77.9274% | 1,298 |
| Net loans and leases to deposits | 107.3158% | 345 |
| Net loans and leases to core deposits | 118.4112% | 635 |
| Total domestic deposits to total assets | 72.6150% | 5,290 |
| Equity capital to assets | 11.4042% | 2,279 |
| Core capital (leverage) ratio | 11.3605% | 2,052 |
| Tier 1 risk-based capital ratio | 14.2836% | 3,206 |
| Total risk-based capital ratio | 14.9432% | 3,440 |
| Memoranda: | ||
| Average total assets | $2,077,653,200 | 395 |
| Average earning assets | $1,910,030,200 | 393 |
| Average equity | $237,338,200 | 388 |
| Average total loans | $1,604,841,800 | 372 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8270% | 3,911 |
| Cost of funding earning assets | 0.7514% | 755 |
| Net interest margin | 3.0756% | 4,767 |
| Noninterest income to average assets | 0.4140% | 3,596 |
| Noninterest expense to average assets | 2.0476% | 4,854 |
| Loan and lease loss provision to assets | 0.0546% | 2,998 |
| Net operating income to assets | 0.8215% | 3,430 |
| Return on assets (ROA) | 0.8239% | 3,456 |
| Pretax return on assets | 1.1416% | 3,151 |
| Return on Equity (ROE) | 7.2093% | 3,542 |
| Retained earnings to average equity (ytd only) | 4.8253% | 3,003 |
| Net charge-offs to loans | 0.0334% | 2,764 |
| Credit loss provision to net charge-offs | 212.5000% | 1,289 |
| Earnings coverage of net charge-offs (x) | 46.4625% | 1,172 |
| Efficiency ratio | 62.6334% | 3,788 |
| Assets per employee ($millions) | 7.5443% | 750 |
| Cash dividends to net income (ytd only)* | 33.0685% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6498% | 5,237 |
| Loan loss allowance to noncurrent loans | 79.9422% | 3,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 2,598 |
| Noncurrent loans to loans | 0.8128% | 2,335 |
| Net loans and leases to total assets | 77.2370% | 1,391 |
| Net loans and leases to deposits | 105.9431% | 422 |
| Net loans and leases to core deposits | 117.2051% | 698 |
| Total domestic deposits to total assets | 72.9042% | 5,322 |
| Equity capital to assets | 11.6423% | 2,235 |
| Core capital (leverage) ratio | 11.5279% | 1,996 |
| Tier 1 risk-based capital ratio | 14.5301% | 3,164 |
| Total risk-based capital ratio | 15.1781% | 3,407 |
| Memoranda: | ||
| Average total assets | $2,077,400,000 | 397 |
| Average earning assets | $1,909,113,500 | 391 |
| Average equity | $237,408,750 | 393 |
| Average total loans | $1,598,382,000 | 373 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8015% | 3,885 |
| Cost of funding earning assets | 0.7375% | 730 |
| Net interest margin | 3.0640% | 4,762 |
| Noninterest income to average assets | 0.3960% | 3,716 |
| Noninterest expense to average assets | 2.0505% | 4,878 |
| Loan and lease loss provision to assets | 0.0626% | 2,718 |
| Net operating income to assets | 0.8312% | 3,245 |
| Return on assets (ROA) | 0.8299% | 3,301 |
| Pretax return on assets | 1.0987% | 3,184 |
| Return on Equity (ROE) | 7.3072% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.3698% | 1,920 |
| Net charge-offs to loans | 0.0377% | 2,447 |
| Credit loss provision to net charge-offs | 216.6667% | 1,195 |
| Earnings coverage of net charge-offs (x) | 40.2367% | 1,246 |
| Efficiency ratio | 63.2447% | 3,795 |
| Assets per employee ($millions) | 7.1884% | 851 |
| Cash dividends to net income (ytd only)* | 12.8294% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 5,304 |
| Loan loss allowance to noncurrent loans | 74.4622% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 2,522 |
| Noncurrent loans to loans | 0.8697% | 2,242 |
| Net loans and leases to total assets | 77.2008% | 1,362 |
| Net loans and leases to deposits | 106.7161% | 372 |
| Net loans and leases to core deposits | 117.5136% | 658 |
| Total domestic deposits to total assets | 72.3422% | 5,430 |
| Equity capital to assets | 11.6264% | 2,209 |
| Core capital (leverage) ratio | 11.4433% | 2,007 |
| Tier 1 risk-based capital ratio | 14.5177% | 3,158 |
| Total risk-based capital ratio | 15.1620% | 3,394 |
| Memoranda: | ||
| Average total assets | $2,075,788,670 | 399 |
| Average earning assets | $1,908,825,000 | 394 |
| Average equity | $235,738,670 | 395 |
| Average total loans | $1,591,585,000 | 378 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 3,908 |
| Cost of funding earning assets | 0.7229% | 750 |
| Net interest margin | 3.0353% | 4,817 |
| Noninterest income to average assets | 0.4005% | 3,659 |
| Noninterest expense to average assets | 2.0226% | 4,998 |
| Loan and lease loss provision to assets | 0.0577% | 2,648 |
| Net operating income to assets | 0.9214% | 2,658 |
| Return on assets (ROA) | 0.9112% | 2,761 |
| Pretax return on assets | 1.0986% | 2,994 |
| Return on Equity (ROE) | 8.1197% | 2,858 |
| Retained earnings to average equity (ytd only) | 6.2248% | 2,222 |
| Net charge-offs to loans | 0.0356% | 2,077 |
| Credit loss provision to net charge-offs | 212.7660% | 977 |
| Earnings coverage of net charge-offs (x) | 43.0709% | 982 |
| Efficiency ratio | 62.8113% | 4,019 |
| Assets per employee ($millions) | 7.7756% | 680 |
| Cash dividends to net income (ytd only)* | 23.3369% | 2,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6393% | 5,414 |
| Loan loss allowance to noncurrent loans | 69.2230% | 4,221 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 2,519 |
| Noncurrent loans to loans | 0.9236% | 2,194 |
| Net loans and leases to total assets | 76.2708% | 1,370 |
| Net loans and leases to deposits | 104.2697% | 388 |
| Net loans and leases to core deposits | 114.9988% | 634 |
| Total domestic deposits to total assets | 73.1477% | 5,476 |
| Equity capital to assets | 11.3197% | 2,330 |
| Core capital (leverage) ratio | 11.2540% | 2,146 |
| Tier 1 risk-based capital ratio | 14.3560% | 3,281 |
| Total risk-based capital ratio | 14.9923% | 3,542 |
| Memoranda: | ||
| Average total assets | $2,078,560,000 | 399 |
| Average earning assets | $1,911,091,000 | 394 |
| Average equity | $233,260,000 | 395 |
| Average total loans | $1,583,045,500 | 379 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5325% | 4,691 |
| Cost of funding earning assets | 0.8208% | 454 |
| Net interest margin | 2.7117% | 5,405 |
| Noninterest income to average assets | 0.3847% | 4,003 |
| Noninterest expense to average assets | 2.3314% | 4,482 |
| Loan and lease loss provision to assets | 0.0385% | 3,605 |
| Net operating income to assets | 0.3356% | 5,125 |
| Return on assets (ROA) | 0.3656% | 5,125 |
| Pretax return on assets | 0.5598% | 4,900 |
| Return on Equity (ROE) | 3.5427% | 4,998 |
| Retained earnings to average equity (ytd only) | 1.2699% | 4,778 |
| Net charge-offs to loans | -0.0645% | 5,463 |
| Credit loss provision to net charge-offs | -88.0551% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6788% | 1,340 |
| Assets per employee ($millions) | 7.5943% | 704 |
| Cash dividends to net income (ytd only)* | 64.1547% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6427% | 5,462 |
| Loan loss allowance to noncurrent loans | 71.5057% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 0.6935% | 2,636 |
| Noncurrent loans to loans | 0.8988% | 2,301 |
| Net loans and leases to total assets | 75.0711% | 1,678 |
| Net loans and leases to deposits | 102.1845% | 526 |
| Net loans and leases to core deposits | 112.3085% | 769 |
| Total domestic deposits to total assets | 73.4662% | 5,477 |
| Equity capital to assets | 11.1242% | 2,512 |
| Core capital (leverage) ratio | 11.8573% | 1,691 |
| Tier 1 risk-based capital ratio | 14.0129% | 3,458 |
| Total risk-based capital ratio | 14.6367% | 3,741 |
| Memoranda: | ||
| Average total assets | $1,491,835,400 | 511 |
| Average earning assets | $1,374,818,200 | 506 |
| Average equity | $153,949,000 | 516 |
| Average total loans | $1,013,098,400 | 508 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4820% | 4,862 |
| Cost of funding earning assets | 0.8494% | 384 |
| Net interest margin | 2.6326% | 5,562 |
| Noninterest income to average assets | 0.3792% | 4,074 |
| Noninterest expense to average assets | 2.2896% | 4,560 |
| Loan and lease loss provision to assets | 0.0396% | 3,448 |
| Net operating income to assets | 0.3194% | 5,244 |
| Return on assets (ROA) | 0.3648% | 5,213 |
| Pretax return on assets | 0.5478% | 5,012 |
| Return on Equity (ROE) | 3.6444% | 5,035 |
| Retained earnings to average equity (ytd only) | 1.5868% | 4,877 |
| Net charge-offs to loans | -0.1047% | 5,585 |
| Credit loss provision to net charge-offs | -58.2242% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5016% | 1,248 |
| Assets per employee ($millions) | 7.5186% | 714 |
| Cash dividends to net income (ytd only)* | 56.4603% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 4,140 |
| Loan loss allowance to noncurrent loans | 136.2102% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.5297% | 3,339 |
| Noncurrent loans to loans | 0.7691% | 2,747 |
| Net loans and leases to total assets | 68.1512% | 2,780 |
| Net loans and leases to deposits | 97.1648% | 940 |
| Net loans and leases to core deposits | 106.6235% | 1,136 |
| Total domestic deposits to total assets | 70.1398% | 5,685 |
| Equity capital to assets | 9.9296% | 4,208 |
| Core capital (leverage) ratio | 10.8084% | 2,678 |
| Tier 1 risk-based capital ratio | 14.2160% | 3,450 |
| Total risk-based capital ratio | 15.2014% | 3,506 |
| Memoranda: | ||
| Average total assets | $1,346,480,000 | 549 |
| Average earning assets | $1,242,892,000 | 546 |
| Average equity | $134,778,000 | 587 |
| Average total loans | $874,752,000 | 574 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4860% | 4,907 |
| Cost of funding earning assets | 0.8548% | 367 |
| Net interest margin | 2.6312% | 5,637 |
| Noninterest income to average assets | 0.3751% | 4,068 |
| Noninterest expense to average assets | 2.2800% | 4,662 |
| Loan and lease loss provision to assets | 0.0037% | 3,966 |
| Net operating income to assets | 0.3559% | 5,165 |
| Return on assets (ROA) | 0.4264% | 5,042 |
| Pretax return on assets | 0.6206% | 4,838 |
| Return on Equity (ROE) | 4.2485% | 4,821 |
| Retained earnings to average equity (ytd only) | 2.2689% | 4,432 |
| Net charge-offs to loans | -0.1658% | 5,772 |
| Credit loss provision to net charge-offs | -3.5461% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3648% | 1,344 |
| Assets per employee ($millions) | 6.6890% | 1,009 |
| Cash dividends to net income (ytd only)* | 46.5965% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0560% | 4,190 |
| Loan loss allowance to noncurrent loans | 118.8082% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6175% | 3,156 |
| Noncurrent loans to loans | 0.8889% | 2,510 |
| Net loans and leases to total assets | 68.7420% | 2,673 |
| Net loans and leases to deposits | 97.1369% | 952 |
| Net loans and leases to core deposits | 108.2332% | 1,026 |
| Total domestic deposits to total assets | 70.7681% | 5,743 |
| Equity capital to assets | 10.4446% | 3,701 |
| Core capital (leverage) ratio | 10.9974% | 2,429 |
| Tier 1 risk-based capital ratio | 14.7292% | 3,190 |
| Total risk-based capital ratio | 15.7141% | 3,271 |
| Memoranda: | ||
| Average total assets | $1,336,673,330 | 554 |
| Average earning assets | $1,232,993,000 | 548 |
| Average equity | $134,163,670 | 592 |
| Average total loans | $850,462,670 | 583 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5074% | 4,878 |
| Cost of funding earning assets | 0.8709% | 337 |
| Net interest margin | 2.6365% | 5,685 |
| Noninterest income to average assets | 0.3681% | 4,087 |
| Noninterest expense to average assets | 2.2433% | 4,796 |
| Loan and lease loss provision to assets | -0.1774% | 6,015 |
| Net operating income to assets | 0.5191% | 4,546 |
| Return on assets (ROA) | 0.6608% | 4,047 |
| Pretax return on assets | 0.9376% | 3,702 |
| Return on Equity (ROE) | 6.7153% | 3,608 |
| Retained earnings to average equity (ytd only) | 4.8224% | 3,050 |
| Net charge-offs to loans | -0.2991% | 5,931 |
| Credit loss provision to net charge-offs | 97.5610% | 1,699 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0908% | 1,596 |
| Assets per employee ($millions) | 7.4724% | 715 |
| Cash dividends to net income (ytd only)* | 28.1879% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0708% | 4,221 |
| Loan loss allowance to noncurrent loans | 106.6739% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6070% | 3,244 |
| Noncurrent loans to loans | 1.0038% | 2,375 |
| Net loans and leases to total assets | 59.8271% | 3,802 |
| Net loans and leases to deposits | 87.9515% | 1,831 |
| Net loans and leases to core deposits | 100.5010% | 1,445 |
| Total domestic deposits to total assets | 68.0228% | 5,924 |
| Equity capital to assets | 9.8628% | 4,261 |
| Core capital (leverage) ratio | 10.6071% | 2,841 |
| Tier 1 risk-based capital ratio | 15.4963% | 2,919 |
| Total risk-based capital ratio | 16.4552% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,352,831,000 | 550 |
| Average earning assets | $1,248,319,000 | 545 |
| Average equity | $133,128,000 | 593 |
| Average total loans | $822,588,000 | 598 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4375% | 5,079 |
| Cost of funding earning assets | 0.8740% | 326 |
| Net interest margin | 2.5635% | 5,783 |
| Noninterest income to average assets | 0.3476% | 4,421 |
| Noninterest expense to average assets | 2.0472% | 5,362 |
| Loan and lease loss provision to assets | 0.0952% | 2,416 |
| Net operating income to assets | 0.4140% | 5,007 |
| Return on assets (ROA) | 0.4961% | 4,802 |
| Pretax return on assets | 0.6805% | 4,583 |
| Return on Equity (ROE) | 5.0148% | 4,494 |
| Retained earnings to average equity (ytd only) | 0.0679% | 5,477 |
| Net charge-offs to loans | 0.0499% | 3,206 |
| Credit loss provision to net charge-offs | 332.8982% | 907 |
| Earnings coverage of net charge-offs (x) | 23.2037% | 1,740 |
| Efficiency ratio | 75.5307% | 2,347 |
| Assets per employee ($millions) | 7.0805% | 862 |
| Cash dividends to net income (ytd only)* | 98.6460% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 4,151 |
| Loan loss allowance to noncurrent loans | 109.2302% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 3,261 |
| Noncurrent loans to loans | 0.9891% | 2,360 |
| Net loans and leases to total assets | 60.4819% | 3,765 |
| Net loans and leases to deposits | 89.6634% | 1,659 |
| Net loans and leases to core deposits | 102.6838% | 1,314 |
| Total domestic deposits to total assets | 67.4544% | 5,987 |
| Equity capital to assets | 9.8181% | 4,172 |
| Core capital (leverage) ratio | 10.5754% | 2,850 |
| Tier 1 risk-based capital ratio | 15.3962% | 2,992 |
| Total risk-based capital ratio | 16.3583% | 3,059 |
| Memoranda: | ||
| Average total assets | $1,339,983,600 | 535 |
| Average earning assets | $1,235,063,200 | 529 |
| Average equity | $132,546,400 | 574 |
| Average total loans | $767,905,600 | 607 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4134% | 5,177 |
| Cost of funding earning assets | 0.8769% | 326 |
| Net interest margin | 2.5365% | 5,893 |
| Noninterest income to average assets | 0.3396% | 4,509 |
| Noninterest expense to average assets | 2.0727% | 5,335 |
| Loan and lease loss provision to assets | 0.0796% | 2,584 |
| Net operating income to assets | 0.3837% | 5,217 |
| Return on assets (ROA) | 0.4932% | 4,905 |
| Pretax return on assets | 0.6756% | 4,760 |
| Return on Equity (ROE) | 4.9764% | 4,639 |
| Retained earnings to average equity (ytd only) | 0.2017% | 5,549 |
| Net charge-offs to loans | 0.0664% | 2,624 |
| Credit loss provision to net charge-offs | 212.7660% | 1,275 |
| Earnings coverage of net charge-offs (x) | 16.1835% | 2,133 |
| Efficiency ratio | 77.3985% | 2,034 |
| Assets per employee ($millions) | 7.2888% | 760 |
| Cash dividends to net income (ytd only)* | 95.9460% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0376% | 4,540 |
| Loan loss allowance to noncurrent loans | 113.8893% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 3,677 |
| Noncurrent loans to loans | 0.9110% | 2,696 |
| Net loans and leases to total assets | 58.9001% | 4,025 |
| Net loans and leases to deposits | 87.7069% | 1,943 |
| Net loans and leases to core deposits | 102.1807% | 1,370 |
| Total domestic deposits to total assets | 67.1557% | 6,065 |
| Equity capital to assets | 9.7196% | 4,494 |
| Core capital (leverage) ratio | 10.3959% | 3,168 |
| Tier 1 risk-based capital ratio | 15.5893% | 3,003 |
| Total risk-based capital ratio | 16.5113% | 3,099 |
| Memoranda: | ||
| Average total assets | $1,340,427,750 | 535 |
| Average earning assets | $1,235,735,500 | 532 |
| Average equity | $132,836,250 | 578 |
| Average total loans | $755,328,750 | 618 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3573% | 5,314 |
| Cost of funding earning assets | 0.8631% | 347 |
| Net interest margin | 2.4942% | 5,966 |
| Noninterest income to average assets | 0.3373% | 4,540 |
| Noninterest expense to average assets | 2.0771% | 5,383 |
| Loan and lease loss provision to assets | 0.0974% | 2,196 |
| Net operating income to assets | 0.3453% | 5,309 |
| Return on assets (ROA) | 0.4680% | 4,998 |
| Pretax return on assets | 0.6265% | 4,902 |
| Return on Equity (ROE) | 4.6925% | 4,751 |
| Retained earnings to average equity (ytd only) | -0.2838% | 5,562 |
| Net charge-offs to loans | 0.0821% | 2,231 |
| Credit loss provision to net charge-offs | 214.5215% | 1,159 |
| Earnings coverage of net charge-offs (x) | 12.3432% | 2,213 |
| Efficiency ratio | 78.7597% | 1,951 |
| Assets per employee ($millions) | 7.4323% | 683 |
| Cash dividends to net income (ytd only)* | 106.0480% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 4,361 |
| Loan loss allowance to noncurrent loans | 103.4676% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5894% | 3,644 |
| Noncurrent loans to loans | 1.0557% | 2,533 |
| Net loans and leases to total assets | 55.2224% | 4,420 |
| Net loans and leases to deposits | 83.5825% | 2,369 |
| Net loans and leases to core deposits | 96.5415% | 1,754 |
| Total domestic deposits to total assets | 66.0694% | 6,166 |
| Equity capital to assets | 9.7094% | 4,389 |
| Core capital (leverage) ratio | 10.5566% | 2,886 |
| Tier 1 risk-based capital ratio | 15.4236% | 3,148 |
| Total risk-based capital ratio | 16.3300% | 3,252 |
| Memoranda: | ||
| Average total assets | $1,335,330,330 | 530 |
| Average earning assets | $1,231,346,330 | 532 |
| Average equity | $133,191,670 | 570 |
| Average total loans | $738,140,670 | 634 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3377% | 5,354 |
| Cost of funding earning assets | 0.8517% | 377 |
| Net interest margin | 2.4860% | 6,033 |
| Noninterest income to average assets | 0.3042% | 4,753 |
| Noninterest expense to average assets | 2.1286% | 5,322 |
| Loan and lease loss provision to assets | 0.0907% | 2,178 |
| Net operating income to assets | 0.2795% | 5,480 |
| Return on assets (ROA) | 0.4623% | 4,942 |
| Pretax return on assets | 0.6247% | 4,847 |
| Return on Equity (ROE) | 4.5724% | 4,725 |
| Retained earnings to average equity (ytd only) | -1.7853% | 5,665 |
| Net charge-offs to loans | 0.1171% | 1,578 |
| Credit loss provision to net charge-offs | 140.8451% | 1,302 |
| Earnings coverage of net charge-offs (x) | 7.2723% | 2,187 |
| Efficiency ratio | 81.9653% | 1,625 |
| Assets per employee ($millions) | 7.3754% | 718 |
| Cash dividends to net income (ytd only)* | 139.0451% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 4,523 |
| Loan loss allowance to noncurrent loans | 96.2737% | 3,771 |
| Noncurrent assets plus other real estate owned to assets | 0.6287% | 3,602 |
| Noncurrent loans to loans | 1.1427% | 2,487 |
| Net loans and leases to total assets | 54.4094% | 4,387 |
| Net loans and leases to deposits | 82.6242% | 2,259 |
| Net loans and leases to core deposits | 93.0737% | 1,844 |
| Total domestic deposits to total assets | 65.8516% | 6,244 |
| Equity capital to assets | 9.9943% | 4,153 |
| Core capital (leverage) ratio | 10.7671% | 2,666 |
| Tier 1 risk-based capital ratio | 16.0185% | 2,910 |
| Total risk-based capital ratio | 16.9329% | 3,009 |
| Memoranda: | ||
| Average total assets | $1,322,939,000 | 535 |
| Average earning assets | $1,220,116,500 | 531 |
| Average equity | $133,758,000 | 565 |
| Average total loans | $727,520,000 | 639 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 5,453 |
| Cost of funding earning assets | 0.8327% | 555 |
| Net interest margin | 2.6045% | 6,065 |
| Noninterest income to average assets | 0.3204% | 4,828 |
| Noninterest expense to average assets | 1.9125% | 5,915 |
| Loan and lease loss provision to assets | 0.1219% | 2,149 |
| Net operating income to assets | 0.5271% | 4,693 |
| Return on assets (ROA) | 0.5462% | 4,697 |
| Pretax return on assets | 0.7131% | 4,572 |
| Return on Equity (ROE) | 5.0287% | 4,647 |
| Retained earnings to average equity (ytd only) | -5.4548% | 6,197 |
| Net charge-offs to loans | 0.1590% | 2,446 |
| Credit loss provision to net charge-offs | 145.0276% | 1,646 |
| Earnings coverage of net charge-offs (x) | 9.6390% | 2,717 |
| Efficiency ratio | 70.2428% | 3,492 |
| Assets per employee ($millions) | 7.2039% | 758 |
| Cash dividends to net income (ytd only)* | 208.4739% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0968% | 4,554 |
| Loan loss allowance to noncurrent loans | 89.9400% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.6703% | 3,563 |
| Noncurrent loans to loans | 1.2194% | 2,410 |
| Net loans and leases to total assets | 54.3677% | 4,536 |
| Net loans and leases to deposits | 85.8203% | 2,009 |
| Net loans and leases to core deposits | 94.3002% | 1,888 |
| Total domestic deposits to total assets | 63.3506% | 6,361 |
| Equity capital to assets | 10.2279% | 3,825 |
| Core capital (leverage) ratio | 10.7389% | 2,681 |
| Tier 1 risk-based capital ratio | 16.8628% | 2,568 |
| Total risk-based capital ratio | 17.8113% | 2,634 |
| Memoranda: | ||
| Average total assets | $1,292,018,800 | 525 |
| Average earning assets | $1,191,702,200 | 517 |
| Average equity | $140,335,600 | 520 |
| Average total loans | $683,195,200 | 631 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4303% | 5,538 |
| Cost of funding earning assets | 0.8244% | 610 |
| Net interest margin | 2.6059% | 6,129 |
| Noninterest income to average assets | 0.3224% | 4,858 |
| Noninterest expense to average assets | 1.9170% | 5,921 |
| Loan and lease loss provision to assets | 0.1348% | 1,851 |
| Net operating income to assets | 0.5171% | 4,818 |
| Return on assets (ROA) | 0.5392% | 4,785 |
| Pretax return on assets | 0.7020% | 4,695 |
| Return on Equity (ROE) | 4.8906% | 4,772 |
| Retained earnings to average equity (ytd only) | -7.8919% | 6,340 |
| Net charge-offs to loans | 0.2108% | 1,781 |
| Credit loss provision to net charge-offs | 122.1805% | 1,889 |
| Earnings coverage of net charge-offs (x) | 7.3233% | 2,940 |
| Efficiency ratio | 70.3433% | 3,449 |
| Assets per employee ($millions) | 7.3967% | 669 |
| Cash dividends to net income (ytd only)* | 261.3698% | 56 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 4,883 |
| Loan loss allowance to noncurrent loans | 86.7238% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 0.6777% | 3,798 |
| Noncurrent loans to loans | 1.2331% | 2,575 |
| Net loans and leases to total assets | 54.3730% | 4,534 |
| Net loans and leases to deposits | 85.8073% | 1,926 |
| Net loans and leases to core deposits | 92.2213% | 2,018 |
| Total domestic deposits to total assets | 63.3664% | 6,445 |
| Equity capital to assets | 10.4362% | 3,640 |
| Core capital (leverage) ratio | 10.7764% | 2,720 |
| Tier 1 risk-based capital ratio | 16.7882% | 2,693 |
| Total risk-based capital ratio | 17.7074% | 2,783 |
| Memoranda: | ||
| Average total assets | $1,285,444,750 | 526 |
| Average earning assets | $1,185,286,250 | 518 |
| Average equity | $141,710,500 | 515 |
| Average total loans | $672,822,500 | 643 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4266% | 5,566 |
| Cost of funding earning assets | 0.8194% | 646 |
| Net interest margin | 2.6072% | 6,161 |
| Noninterest income to average assets | 0.3238% | 4,823 |
| Noninterest expense to average assets | 1.9456% | 5,922 |
| Loan and lease loss provision to assets | 0.0861% | 2,589 |
| Net operating income to assets | 0.5374% | 4,662 |
| Return on assets (ROA) | 0.5434% | 4,726 |
| Pretax return on assets | 0.7012% | 4,634 |
| Return on Equity (ROE) | 4.8409% | 4,751 |
| Retained earnings to average equity (ytd only) | -9.1616% | 6,401 |
| Net charge-offs to loans | -0.0024% | 5,073 |
| Credit loss provision to net charge-offs | -6,875.0000% | 5,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3966% | 3,447 |
| Assets per employee ($millions) | 6.8677% | 849 |
| Cash dividends to net income (ytd only)* | 289.2538% | 61 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 4,572 |
| Loan loss allowance to noncurrent loans | 248.2043% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 5,338 |
| Noncurrent loans to loans | 0.4708% | 4,589 |
| Net loans and leases to total assets | 52.7969% | 4,661 |
| Net loans and leases to deposits | 82.7841% | 2,166 |
| Net loans and leases to core deposits | 88.6252% | 2,244 |
| Total domestic deposits to total assets | 63.7766% | 6,511 |
| Equity capital to assets | 10.8300% | 3,053 |
| Core capital (leverage) ratio | 11.1323% | 2,304 |
| Tier 1 risk-based capital ratio | 17.5238% | 2,404 |
| Total risk-based capital ratio | 18.5105% | 2,472 |
| Memoranda: | ||
| Average total assets | $1,277,521,000 | 530 |
| Average earning assets | $1,176,680,670 | 520 |
| Average equity | $143,403,330 | 509 |
| Average total loans | $657,245,000 | 651 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4214% | 5,600 |
| Cost of funding earning assets | 0.8112% | 710 |
| Net interest margin | 2.6102% | 6,223 |
| Noninterest income to average assets | 0.3296% | 4,735 |
| Noninterest expense to average assets | 1.9552% | 5,968 |
| Loan and lease loss provision to assets | 0.0314% | 3,410 |
| Net operating income to assets | 0.5858% | 4,256 |
| Return on assets (ROA) | 0.5930% | 4,307 |
| Pretax return on assets | 0.7553% | 4,290 |
| Return on Equity (ROE) | 5.1909% | 4,448 |
| Retained earnings to average equity (ytd only) | -5.5948% | 6,160 |
| Net charge-offs to loans | -0.0050% | 4,818 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5451% | 3,572 |
| Assets per employee ($millions) | 6.8091% | 882 |
| Cash dividends to net income (ytd only)* | 207.7819% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 4,789 |
| Loan loss allowance to noncurrent loans | 244.0181% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 5,461 |
| Noncurrent loans to loans | 0.4784% | 4,728 |
| Net loans and leases to total assets | 50.3160% | 4,879 |
| Net loans and leases to deposits | 79.3475% | 2,386 |
| Net loans and leases to core deposits | 84.9343% | 2,427 |
| Total domestic deposits to total assets | 63.4123% | 6,595 |
| Equity capital to assets | 11.3228% | 2,399 |
| Core capital (leverage) ratio | 11.5847% | 1,909 |
| Tier 1 risk-based capital ratio | 18.8953% | 1,994 |
| Total risk-based capital ratio | 19.8694% | 2,049 |
| Memoranda: | ||
| Average total assets | $1,274,150,500 | 533 |
| Average earning assets | $1,173,076,500 | 525 |
| Average equity | $145,562,500 | 507 |
| Average total loans | $642,833,500 | 664 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4464% | 5,742 |
| Cost of funding earning assets | 0.8647% | 886 |
| Net interest margin | 2.5818% | 6,282 |
| Noninterest income to average assets | 0.3504% | 4,811 |
| Noninterest expense to average assets | 2.2177% | 5,586 |
| Loan and lease loss provision to assets | -0.0199% | 6,297 |
| Net operating income to assets | 0.4239% | 5,062 |
| Return on assets (ROA) | 0.6131% | 4,320 |
| Pretax return on assets | 0.7827% | 4,211 |
| Return on Equity (ROE) | 4.9377% | 4,662 |
| Retained earnings to average equity (ytd only) | -11.9347% | 6,570 |
| Net charge-offs to loans | -0.0136% | 6,070 |
| Credit loss provision to net charge-offs | 308.4337% | 741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0018% | 2,023 |
| Assets per employee ($millions) | 6.6754% | 906 |
| Cash dividends to net income (ytd only)* | 341.7057% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1702% | 4,811 |
| Loan loss allowance to noncurrent loans | 288.1035% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 5,686 |
| Noncurrent loans to loans | 0.4062% | 4,992 |
| Net loans and leases to total assets | 49.4091% | 5,146 |
| Net loans and leases to deposits | 77.0308% | 2,851 |
| Net loans and leases to core deposits | 82.1653% | 2,877 |
| Total domestic deposits to total assets | 64.1420% | 6,664 |
| Equity capital to assets | 11.5256% | 2,144 |
| Core capital (leverage) ratio | 11.7342% | 1,803 |
| Tier 1 risk-based capital ratio | 19.3277% | 1,833 |
| Total risk-based capital ratio | 20.2967% | 1,863 |
| Memoranda: | ||
| Average total assets | $1,286,970,800 | 514 |
| Average earning assets | $1,190,076,200 | 504 |
| Average equity | $159,811,000 | 471 |
| Average total loans | $611,041,200 | 683 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4533% | 5,781 |
| Cost of funding earning assets | 0.8715% | 941 |
| Net interest margin | 2.5818% | 6,337 |
| Noninterest income to average assets | 0.3614% | 4,805 |
| Noninterest expense to average assets | 2.3073% | 5,318 |
| Loan and lease loss provision to assets | -0.0389% | 6,533 |
| Net operating income to assets | 0.3800% | 5,334 |
| Return on assets (ROA) | 0.6081% | 4,438 |
| Pretax return on assets | 0.7726% | 4,408 |
| Return on Equity (ROE) | 4.8114% | 4,817 |
| Retained earnings to average equity (ytd only) | -12.9743% | 6,684 |
| Net charge-offs to loans | -0.0121% | 5,928 |
| Credit loss provision to net charge-offs | 683.6364% | 426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8297% | 1,624 |
| Assets per employee ($millions) | 6.7138% | 847 |
| Cash dividends to net income (ytd only)* | 369.6586% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 4,976 |
| Loan loss allowance to noncurrent loans | 248.6735% | 1,632 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 5,751 |
| Noncurrent loans to loans | 0.4741% | 5,010 |
| Net loans and leases to total assets | 48.2968% | 5,321 |
| Net loans and leases to deposits | 77.1574% | 2,803 |
| Net loans and leases to core deposits | 81.6858% | 2,908 |
| Total domestic deposits to total assets | 62.5952% | 6,770 |
| Equity capital to assets | 11.7670% | 2,068 |
| Core capital (leverage) ratio | 12.0369% | 1,652 |
| Tier 1 risk-based capital ratio | 20.3226% | 1,650 |
| Total risk-based capital ratio | 21.3002% | 1,697 |
| Memoranda: | ||
| Average total assets | $1,289,962,750 | 512 |
| Average earning assets | $1,194,574,250 | 501 |
| Average equity | $163,025,750 | 463 |
| Average total loans | $604,444,750 | 691 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 5,853 |
| Cost of funding earning assets | 0.8789% | 991 |
| Net interest margin | 2.5443% | 6,394 |
| Noninterest income to average assets | 0.3844% | 4,634 |
| Noninterest expense to average assets | 2.3680% | 5,148 |
| Loan and lease loss provision to assets | -0.0470% | 6,642 |
| Net operating income to assets | 0.3358% | 5,463 |
| Return on assets (ROA) | 0.6130% | 4,398 |
| Pretax return on assets | 0.7701% | 4,427 |
| Return on Equity (ROE) | 4.7435% | 4,873 |
| Retained earnings to average equity (ytd only) | -17.1554% | 6,777 |
| Net charge-offs to loans | -0.0487% | 6,259 |
| Credit loss provision to net charge-offs | 208.9041% | 1,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2794% | 1,386 |
| Assets per employee ($millions) | 6.2951% | 1,017 |
| Cash dividends to net income (ytd only)* | 461.6604% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 4,827 |
| Loan loss allowance to noncurrent loans | 227.9048% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 5,728 |
| Noncurrent loans to loans | 0.5405% | 4,902 |
| Net loans and leases to total assets | 46.4267% | 5,486 |
| Net loans and leases to deposits | 76.4875% | 2,803 |
| Net loans and leases to core deposits | 80.7234% | 2,948 |
| Total domestic deposits to total assets | 60.6985% | 6,832 |
| Equity capital to assets | 11.8000% | 2,048 |
| Core capital (leverage) ratio | 11.9648% | 1,634 |
| Tier 1 risk-based capital ratio | 20.7655% | 1,554 |
| Total risk-based capital ratio | 21.7767% | 1,578 |
| Memoranda: | ||
| Average total assets | $1,296,980,670 | 509 |
| Average earning assets | $1,203,082,670 | 498 |
| Average equity | $167,597,000 | 451 |
| Average total loans | $599,208,330 | 694 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 5,886 |
| Cost of funding earning assets | 0.8866% | 1,052 |
| Net interest margin | 2.5378% | 6,457 |
| Noninterest income to average assets | 0.2919% | 5,373 |
| Noninterest expense to average assets | 2.3153% | 5,384 |
| Loan and lease loss provision to assets | -0.0723% | 6,813 |
| Net operating income to assets | 0.3091% | 5,538 |
| Return on assets (ROA) | 0.6420% | 4,166 |
| Pretax return on assets | 0.8460% | 3,972 |
| Return on Equity (ROE) | 4.7633% | 4,704 |
| Retained earnings to average equity (ytd only) | -11.7862% | 6,675 |
| Net charge-offs to loans | -0.1128% | 6,497 |
| Credit loss provision to net charge-offs | 139.8810% | 1,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3390% | 1,390 |
| Assets per employee ($millions) | 7.1212% | 729 |
| Cash dividends to net income (ytd only)* | 347.4365% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2687% | 4,854 |
| Loan loss allowance to noncurrent loans | 255.2294% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 5,886 |
| Noncurrent loans to loans | 0.4971% | 5,185 |
| Net loans and leases to total assets | 45.1740% | 5,530 |
| Net loans and leases to deposits | 76.1703% | 2,611 |
| Net loans and leases to core deposits | 80.3362% | 2,771 |
| Total domestic deposits to total assets | 59.3065% | 6,921 |
| Equity capital to assets | 13.1009% | 1,386 |
| Core capital (leverage) ratio | 12.6517% | 1,274 |
| Tier 1 risk-based capital ratio | 22.3801% | 1,263 |
| Total risk-based capital ratio | 23.4210% | 1,271 |
| Memoranda: | ||
| Average total assets | $1,300,226,500 | 512 |
| Average earning assets | $1,208,625,000 | 497 |
| Average equity | $175,256,500 | 436 |
| Average total loans | $595,510,000 | 698 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5712% | 6,265 |
| Cost of funding earning assets | 1.0508% | 1,119 |
| Net interest margin | 2.5204% | 6,702 |
| Noninterest income to average assets | 0.3037% | 5,276 |
| Noninterest expense to average assets | 1.9538% | 6,412 |
| Loan and lease loss provision to assets | 0.0539% | 5,132 |
| Net operating income to assets | 0.4726% | 4,794 |
| Return on assets (ROA) | 0.6365% | 4,323 |
| Pretax return on assets | 0.8661% | 4,044 |
| Return on Equity (ROE) | 4.1071% | 5,099 |
| Retained earnings to average equity (ytd only) | -17.0075% | 6,810 |
| Net charge-offs to loans | 0.0884% | 4,794 |
| Credit loss provision to net charge-offs | 137.4016% | 2,010 |
| Earnings coverage of net charge-offs (x) | 17.7283% | 1,490 |
| Efficiency ratio | 73.7480% | 3,103 |
| Assets per employee ($millions) | 6.5189% | 993 |
| Cash dividends to net income (ytd only)* | 514.0985% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2832% | 4,722 |
| Loan loss allowance to noncurrent loans | 267.5079% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 5,799 |
| Noncurrent loans to loans | 0.4797% | 5,322 |
| Net loans and leases to total assets | 45.2584% | 5,697 |
| Net loans and leases to deposits | 77.8444% | 2,556 |
| Net loans and leases to core deposits | 82.1670% | 2,750 |
| Total domestic deposits to total assets | 58.1396% | 6,987 |
| Equity capital to assets | 13.8586% | 1,099 |
| Core capital (leverage) ratio | 13.2466% | 1,034 |
| Tier 1 risk-based capital ratio | 23.1807% | 1,084 |
| Total risk-based capital ratio | 24.2375% | 1,097 |
| Memoranda: | ||
| Average total assets | $1,294,890,800 | 516 |
| Average earning assets | $1,205,091,800 | 496 |
| Average equity | $200,675,600 | 376 |
| Average total loans | $574,518,000 | 722 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5889% | 6,407 |
| Cost of funding earning assets | 1.0660% | 1,213 |
| Net interest margin | 2.5229% | 6,811 |
| Noninterest income to average assets | 0.2864% | 5,496 |
| Noninterest expense to average assets | 1.8639% | 6,592 |
| Loan and lease loss provision to assets | 0.0719% | 4,769 |
| Net operating income to assets | 0.5213% | 4,753 |
| Return on assets (ROA) | 0.6628% | 4,345 |
| Pretax return on assets | 0.8897% | 4,154 |
| Return on Equity (ROE) | 4.1663% | 5,221 |
| Retained earnings to average equity (ytd only) | -9.0340% | 6,789 |
| Net charge-offs to loans | 0.1129% | 4,255 |
| Credit loss provision to net charge-offs | 144.8133% | 1,973 |
| Earnings coverage of net charge-offs (x) | 15.5166% | 1,753 |
| Efficiency ratio | 70.7543% | 3,545 |
| Assets per employee ($millions) | 7.1015% | 707 |
| Cash dividends to net income (ytd only)* | 316.8325% | 29 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 4,745 |
| Loan loss allowance to noncurrent loans | 277.1625% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 5,961 |
| Noncurrent loans to loans | 0.4746% | 5,500 |
| Net loans and leases to total assets | 43.7331% | 5,992 |
| Net loans and leases to deposits | 76.0812% | 2,972 |
| Net loans and leases to core deposits | 79.8620% | 3,222 |
| Total domestic deposits to total assets | 57.4822% | 7,085 |
| Equity capital to assets | 15.4374% | 716 |
| Core capital (leverage) ratio | 14.6861% | 672 |
| Tier 1 risk-based capital ratio | 26.3638% | 797 |
| Total risk-based capital ratio | 27.4442% | 791 |
| Memoranda: | ||
| Average total assets | $1,294,295,750 | 517 |
| Average earning assets | $1,204,564,250 | 502 |
| Average equity | $205,898,500 | 363 |
| Average total loans | $569,458,500 | 729 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 6,480 |
| Cost of funding earning assets | 1.0816% | 1,303 |
| Net interest margin | 2.5208% | 6,872 |
| Noninterest income to average assets | 0.2754% | 5,608 |
| Noninterest expense to average assets | 1.8683% | 6,658 |
| Loan and lease loss provision to assets | 0.0745% | 4,691 |
| Net operating income to assets | 0.5051% | 4,800 |
| Return on assets (ROA) | 0.7009% | 4,132 |
| Pretax return on assets | 0.9394% | 3,927 |
| Return on Equity (ROE) | 4.3619% | 5,107 |
| Retained earnings to average equity (ytd only) | -9.0583% | 6,811 |
| Net charge-offs to loans | 0.0081% | 5,355 |
| Credit loss provision to net charge-offs | 2,086.9565% | 146 |
| Earnings coverage of net charge-offs (x) | 210.7826% | 214 |
| Efficiency ratio | 71.2762% | 3,554 |
| Assets per employee ($millions) | 6.8444% | 788 |
| Cash dividends to net income (ytd only)* | 307.6667% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,660 |
| Loan loss allowance to noncurrent loans | 308.1935% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 6,072 |
| Noncurrent loans to loans | 0.4390% | 5,658 |
| Net loans and leases to total assets | 43.8272% | 6,028 |
| Net loans and leases to deposits | 76.9752% | 2,837 |
| Net loans and leases to core deposits | 80.5024% | 3,147 |
| Total domestic deposits to total assets | 56.9368% | 7,158 |
| Equity capital to assets | 15.4208% | 693 |
| Core capital (leverage) ratio | 14.9538% | 608 |
| Tier 1 risk-based capital ratio | 27.0663% | 724 |
| Total risk-based capital ratio | 28.1823% | 717 |
| Memoranda: | ||
| Average total assets | $1,287,802,000 | 522 |
| Average earning assets | $1,198,422,000 | 505 |
| Average equity | $206,927,000 | 359 |
| Average total loans | $565,206,670 | 738 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 6,567 |
| Cost of funding earning assets | 1.1117% | 1,340 |
| Net interest margin | 2.4934% | 6,958 |
| Noninterest income to average assets | 0.3003% | 5,477 |
| Noninterest expense to average assets | 1.8844% | 6,673 |
| Loan and lease loss provision to assets | 0.0690% | 4,547 |
| Net operating income to assets | 0.5354% | 4,669 |
| Return on assets (ROA) | 0.9383% | 2,956 |
| Pretax return on assets | 1.1655% | 3,044 |
| Return on Equity (ROE) | 5.7207% | 4,446 |
| Retained earnings to average equity (ytd only) | -3.6256% | 6,459 |
| Net charge-offs to loans | 0.0180% | 4,437 |
| Credit loss provision to net charge-offs | 880.0000% | 399 |
| Earnings coverage of net charge-offs (x) | 93.9600% | 363 |
| Efficiency ratio | 71.8817% | 3,465 |
| Assets per employee ($millions) | 6.4180% | 1,026 |
| Cash dividends to net income (ytd only)* | 163.3779% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 4,732 |
| Loan loss allowance to noncurrent loans | 293.8438% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2891% | 6,166 |
| Noncurrent loans to loans | 0.4656% | 5,745 |
| Net loans and leases to total assets | 42.6796% | 6,129 |
| Net loans and leases to deposits | 73.4627% | 3,205 |
| Net loans and leases to core deposits | 76.5999% | 3,538 |
| Total domestic deposits to total assets | 58.0969% | 7,211 |
| Equity capital to assets | 16.0576% | 568 |
| Core capital (leverage) ratio | 15.7290% | 499 |
| Tier 1 risk-based capital ratio | 29.7808% | 529 |
| Total risk-based capital ratio | 30.9231% | 528 |
| Memoranda: | ||
| Average total assets | $1,274,644,500 | 524 |
| Average earning assets | $1,186,649,500 | 506 |
| Average equity | $209,067,000 | 351 |
| Average total loans | $555,890,000 | 752 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 6,634 |
| Cost of funding earning assets | 1.2531% | 1,717 |
| Net interest margin | 2.6306% | 6,983 |
| Noninterest income to average assets | 0.2713% | 5,586 |
| Noninterest expense to average assets | 1.7987% | 6,953 |
| Loan and lease loss provision to assets | 0.0969% | 5,378 |
| Net operating income to assets | 0.6652% | 3,659 |
| Return on assets (ROA) | 0.6768% | 3,791 |
| Pretax return on assets | 0.8338% | 3,847 |
| Return on Equity (ROE) | 3.9400% | 4,878 |
| Retained earnings to average equity (ytd only) | -1.3977% | 6,076 |
| Net charge-offs to loans | 0.1785% | 4,722 |
| Credit loss provision to net charge-offs | 126.2827% | 2,464 |
| Earnings coverage of net charge-offs (x) | 11.9435% | 1,669 |
| Efficiency ratio | 65.8923% | 4,794 |
| Assets per employee ($millions) | 6.9960% | 744 |
| Cash dividends to net income (ytd only)* | 135.4743% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 4,930 |
| Loan loss allowance to noncurrent loans | 244.3232% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 6,169 |
| Noncurrent loans to loans | 0.5298% | 5,653 |
| Net loans and leases to total assets | 43.3904% | 6,261 |
| Net loans and leases to deposits | 74.4828% | 3,421 |
| Net loans and leases to core deposits | 77.5461% | 3,742 |
| Total domestic deposits to total assets | 58.2556% | 7,250 |
| Equity capital to assets | 16.7548% | 483 |
| Core capital (leverage) ratio | 16.1705% | 444 |
| Tier 1 risk-based capital ratio | 29.4079% | 545 |
| Total risk-based capital ratio | 30.4668% | 544 |
| Memoranda: | ||
| Average total assets | $1,244,597,000 | 527 |
| Average earning assets | $1,156,273,800 | 513 |
| Average equity | $213,783,000 | 328 |
| Average total loans | $535,038,000 | 786 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 6,684 |
| Cost of funding earning assets | 1.2849% | 1,785 |
| Net interest margin | 2.6498% | 7,032 |
| Noninterest income to average assets | 0.2690% | 5,692 |
| Noninterest expense to average assets | 1.8152% | 6,975 |
| Loan and lease loss provision to assets | 0.0568% | 5,729 |
| Net operating income to assets | 0.6712% | 3,762 |
| Return on assets (ROA) | 0.6688% | 3,946 |
| Pretax return on assets | 0.8542% | 3,934 |
| Return on Equity (ROE) | 3.8697% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.8697% | 3,973 |
| Net charge-offs to loans | 0.1699% | 4,435 |
| Credit loss provision to net charge-offs | 78.2544% | 4,198 |
| Earnings coverage of net charge-offs (x) | 12.5843% | 1,690 |
| Efficiency ratio | 66.1470% | 4,691 |
| Assets per employee ($millions) | 7.2779% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2435% | 5,284 |
| Loan loss allowance to noncurrent loans | 243.0162% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 6,291 |
| Noncurrent loans to loans | 0.5117% | 5,825 |
| Net loans and leases to total assets | 42.6915% | 6,445 |
| Net loans and leases to deposits | 74.5312% | 3,585 |
| Net loans and leases to core deposits | 77.7671% | 3,942 |
| Total domestic deposits to total assets | 57.2801% | 7,327 |
| Equity capital to assets | 17.6481% | 428 |
| Core capital (leverage) ratio | 17.0298% | 397 |
| Tier 1 risk-based capital ratio | 31.3120% | 483 |
| Total risk-based capital ratio | 32.3241% | 480 |
| Memoranda: | ||
| Average total assets | $1,240,926,750 | 536 |
| Average earning assets | $1,152,108,250 | 519 |
| Average equity | $214,481,500 | 332 |
| Average total loans | $530,404,500 | 798 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 6,677 |
| Cost of funding earning assets | 1.3171% | 1,842 |
| Net interest margin | 2.6741% | 7,056 |
| Noninterest income to average assets | 0.2713% | 5,701 |
| Noninterest expense to average assets | 1.8245% | 7,053 |
| Loan and lease loss provision to assets | 0.0832% | 5,269 |
| Net operating income to assets | 0.6598% | 3,746 |
| Return on assets (ROA) | 0.6475% | 3,939 |
| Pretax return on assets | 0.8270% | 3,922 |
| Return on Equity (ROE) | 3.7734% | 5,033 |
| Retained earnings to average equity (ytd only) | 3.7734% | 3,814 |
| Net charge-offs to loans | 0.2910% | 3,422 |
| Credit loss provision to net charge-offs | 67.1895% | 4,134 |
| Earnings coverage of net charge-offs (x) | 7.4732% | 2,218 |
| Efficiency ratio | 65.9699% | 4,879 |
| Assets per employee ($millions) | 6.6865% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2270% | 5,431 |
| Loan loss allowance to noncurrent loans | 273.2978% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 6,364 |
| Noncurrent loans to loans | 0.4490% | 6,013 |
| Net loans and leases to total assets | 43.3594% | 6,489 |
| Net loans and leases to deposits | 75.3632% | 3,585 |
| Net loans and leases to core deposits | 78.6257% | 3,981 |
| Total domestic deposits to total assets | 57.5339% | 7,394 |
| Equity capital to assets | 17.2673% | 458 |
| Core capital (leverage) ratio | 17.2085% | 389 |
| Tier 1 risk-based capital ratio | 31.0697% | 486 |
| Total risk-based capital ratio | 32.0540% | 488 |
| Memoranda: | ||
| Average total assets | $1,234,874,330 | 544 |
| Average earning assets | $1,144,823,330 | 522 |
| Average equity | $211,907,000 | 337 |
| Average total loans | $525,776,000 | 816 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9922% | 6,713 |
| Cost of funding earning assets | 1.3330% | 1,989 |
| Net interest margin | 2.6593% | 7,062 |
| Noninterest income to average assets | 0.2558% | 5,852 |
| Noninterest expense to average assets | 1.8538% | 7,067 |
| Loan and lease loss provision to assets | 0.1099% | 4,640 |
| Net operating income to assets | 0.6191% | 3,930 |
| Return on assets (ROA) | 0.5832% | 4,190 |
| Pretax return on assets | 0.7139% | 4,248 |
| Return on Equity (ROE) | 3.4094% | 5,189 |
| Retained earnings to average equity (ytd only) | 3.4094% | 4,146 |
| Net charge-offs to loans | 0.5492% | 2,120 |
| Credit loss provision to net charge-offs | 47.7465% | 3,803 |
| Earnings coverage of net charge-offs (x) | 3.7690% | 2,640 |
| Efficiency ratio | 67.7389% | 4,704 |
| Assets per employee ($millions) | 7.1435% | 686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 5,418 |
| Loan loss allowance to noncurrent loans | 176.5309% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 6,403 |
| Noncurrent loans to loans | 0.7061% | 5,605 |
| Net loans and leases to total assets | 41.9519% | 6,619 |
| Net loans and leases to deposits | 73.2140% | 3,888 |
| Net loans and leases to core deposits | 76.5218% | 4,233 |
| Total domestic deposits to total assets | 57.3003% | 7,450 |
| Equity capital to assets | 17.0929% | 434 |
| Core capital (leverage) ratio | 17.3167% | 371 |
| Tier 1 risk-based capital ratio | 31.4517% | 460 |
| Total risk-based capital ratio | 32.4189% | 458 |
| Memoranda: | ||
| Average total assets | $1,233,806,000 | 545 |
| Average earning assets | $1,143,919,500 | 526 |
| Average equity | $211,061,500 | 339 |
| Average total loans | $517,152,000 | 841 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 7,070 |
| Cost of funding earning assets | 1.4885% | 2,713 |
| Net interest margin | 2.5882% | 7,214 |
| Noninterest income to average assets | 0.2735% | 5,827 |
| Noninterest expense to average assets | 1.7766% | 7,286 |
| Loan and lease loss provision to assets | 0.7354% | 2,233 |
| Net operating income to assets | 0.1642% | 5,394 |
| Return on assets (ROA) | 0.4863% | 4,318 |
| Pretax return on assets | 0.4903% | 4,652 |
| Return on Equity (ROE) | 2.6164% | 5,123 |
| Retained earnings to average equity (ytd only) | 2.6164% | 4,032 |
| Net charge-offs to loans | 1.8192% | 1,158 |
| Credit loss provision to net charge-offs | 101.6519% | 4,458 |
| Earnings coverage of net charge-offs (x) | 1.2446% | 4,855 |
| Efficiency ratio | 65.8785% | 4,991 |
| Assets per employee ($millions) | 6.8433% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,706 |
| Loan loss allowance to noncurrent loans | 217.1115% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 6,560 |
| Noncurrent loans to loans | 0.6254% | 5,799 |
| Net loans and leases to total assets | 40.7857% | 6,917 |
| Net loans and leases to deposits | 71.6687% | 4,572 |
| Net loans and leases to core deposits | 75.5265% | 4,783 |
| Total domestic deposits to total assets | 56.9088% | 7,531 |
| Equity capital to assets | 17.1202% | 448 |
| Core capital (leverage) ratio | 17.3699% | 372 |
| Tier 1 risk-based capital ratio | 31.6634% | 441 |
| Total risk-based capital ratio | 32.6922% | 444 |
| Memoranda: | ||
| Average total assets | $1,213,352,200 | 554 |
| Average earning assets | $1,126,722,000 | 538 |
| Average equity | $225,504,600 | 316 |
| Average total loans | $482,520,800 | 932 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1457% | 7,156 |
| Cost of funding earning assets | 1.5010% | 2,979 |
| Net interest margin | 2.6447% | 7,279 |
| Noninterest income to average assets | 0.2694% | 5,961 |
| Noninterest expense to average assets | 1.7602% | 7,382 |
| Loan and lease loss provision to assets | 0.9429% | 1,592 |
| Net operating income to assets | 0.0224% | 5,953 |
| Return on assets (ROA) | 0.4129% | 4,867 |
| Pretax return on assets | 0.4470% | 5,087 |
| Return on Equity (ROE) | 2.1778% | 5,544 |
| Retained earnings to average equity (ytd only) | 2.1778% | 4,868 |
| Net charge-offs to loans | 2.3734% | 733 |
| Credit loss provision to net charge-offs | 100.9209% | 4,277 |
| Earnings coverage of net charge-offs (x) | 1.0333% | 5,028 |
| Efficiency ratio | 64.0672% | 5,225 |
| Assets per employee ($millions) | 6.9207% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 4,388 |
| Loan loss allowance to noncurrent loans | 260.7768% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2330% | 6,784 |
| Noncurrent loans to loans | 0.5415% | 6,122 |
| Net loans and leases to total assets | 38.3768% | 7,168 |
| Net loans and leases to deposits | 68.8829% | 5,301 |
| Net loans and leases to core deposits | 71.7802% | 5,539 |
| Total domestic deposits to total assets | 55.7131% | 7,642 |
| Equity capital to assets | 18.4726% | 377 |
| Core capital (leverage) ratio | 18.0818% | 345 |
| Tier 1 risk-based capital ratio | 33.3475% | 399 |
| Total risk-based capital ratio | 34.3810% | 396 |
| Memoranda: | ||
| Average total assets | $1,208,742,000 | 551 |
| Average earning assets | $1,122,617,500 | 535 |
| Average equity | $229,159,250 | 307 |
| Average total loans | $475,823,250 | 952 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 7,146 |
| Cost of funding earning assets | 1.5208% | 3,127 |
| Net interest margin | 2.6999% | 7,257 |
| Noninterest income to average assets | 0.2797% | 5,911 |
| Noninterest expense to average assets | 1.7770% | 7,414 |
| Loan and lease loss provision to assets | 0.7723% | 1,864 |
| Net operating income to assets | 0.1780% | 5,640 |
| Return on assets (ROA) | 0.3375% | 5,189 |
| Pretax return on assets | 0.4408% | 5,091 |
| Return on Equity (ROE) | 1.7646% | 5,706 |
| Retained earnings to average equity (ytd only) | 1.7646% | 4,984 |
| Net charge-offs to loans | 1.9865% | 919 |
| Credit loss provision to net charge-offs | 98.3816% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.2815% | 4,543 |
| Efficiency ratio | 63.2869% | 5,468 |
| Assets per employee ($millions) | 6.8218% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4050% | 4,397 |
| Loan loss allowance to noncurrent loans | 90.2400% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 5,911 |
| Noncurrent loans to loans | 1.5570% | 4,382 |
| Net loans and leases to total assets | 38.2555% | 7,257 |
| Net loans and leases to deposits | 70.0247% | 5,275 |
| Net loans and leases to core deposits | 71.9490% | 5,677 |
| Total domestic deposits to total assets | 54.6315% | 7,714 |
| Equity capital to assets | 18.6971% | 365 |
| Core capital (leverage) ratio | 18.7622% | 307 |
| Tier 1 risk-based capital ratio | 34.3576% | 368 |
| Total risk-based capital ratio | 35.3658% | 371 |
| Memoranda: | ||
| Average total assets | $1,196,412,000 | 557 |
| Average earning assets | $1,109,291,670 | 544 |
| Average equity | $228,839,330 | 309 |
| Average total loans | $472,791,000 | 972 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3431% | 7,075 |
| Cost of funding earning assets | 1.5600% | 3,208 |
| Net interest margin | 2.7831% | 7,205 |
| Noninterest income to average assets | 0.2846% | 5,862 |
| Noninterest expense to average assets | 1.8776% | 7,365 |
| Loan and lease loss provision to assets | 0.1694% | 4,834 |
| Net operating income to assets | 0.6094% | 3,853 |
| Return on assets (ROA) | 0.6366% | 3,846 |
| Pretax return on assets | 0.8511% | 3,665 |
| Return on Equity (ROE) | 3.2898% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.2898% | 4,170 |
| Net charge-offs to loans | 0.4204% | 2,784 |
| Credit loss provision to net charge-offs | 101.0101% | 3,358 |
| Earnings coverage of net charge-offs (x) | 5.8687% | 2,321 |
| Efficiency ratio | 65.0645% | 5,299 |
| Assets per employee ($millions) | 7.1062% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4528% | 4,163 |
| Loan loss allowance to noncurrent loans | 193.4609% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 6,533 |
| Noncurrent loans to loans | 0.7510% | 5,823 |
| Net loans and leases to total assets | 38.7247% | 7,320 |
| Net loans and leases to deposits | 69.4085% | 5,421 |
| Net loans and leases to core deposits | 71.4832% | 5,772 |
| Total domestic deposits to total assets | 55.7924% | 7,799 |
| Equity capital to assets | 19.3179% | 318 |
| Core capital (leverage) ratio | 19.5105% | 279 |
| Tier 1 risk-based capital ratio | 34.9213% | 358 |
| Total risk-based capital ratio | 35.9501% | 358 |
| Memoranda: | ||
| Average total assets | $1,180,654,000 | 579 |
| Average earning assets | $1,093,326,000 | 567 |
| Average equity | $228,465,500 | 312 |
| Average total loans | $470,964,500 | 1,001 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 6,681 |
| Cost of funding earning assets | 1.9274% | 3,320 |
| Net interest margin | 2.9842% | 6,686 |
| Noninterest income to average assets | 0.3328% | 5,710 |
| Noninterest expense to average assets | 1.8858% | 7,524 |
| Loan and lease loss provision to assets | 0.3449% | 4,728 |
| Net operating income to assets | 0.6368% | 3,185 |
| Return on assets (ROA) | 0.7317% | 2,885 |
| Pretax return on assets | 0.9567% | 2,741 |
| Return on Equity (ROE) | 3.7765% | 4,172 |
| Retained earnings to average equity (ytd only) | 3.7765% | 2,553 |
| Net charge-offs to loans | 0.7678% | 2,906 |
| Credit loss provision to net charge-offs | 107.1097% | 5,175 |
| Earnings coverage of net charge-offs (x) | 3.6544% | 3,256 |
| Efficiency ratio | 61.1247% | 6,314 |
| Assets per employee ($millions) | 6.9915% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 4,105 |
| Loan loss allowance to noncurrent loans | 123.7843% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 5,936 |
| Noncurrent loans to loans | 1.1501% | 5,033 |
| Net loans and leases to total assets | 39.9144% | 7,355 |
| Net loans and leases to deposits | 72.2676% | 5,289 |
| Net loans and leases to core deposits | 83.5929% | 5,757 |
| Total domestic deposits to total assets | 55.2314% | 7,864 |
| Equity capital to assets | 19.3840% | 341 |
| Core capital (leverage) ratio | 19.5591% | 300 |
| Tier 1 risk-based capital ratio | 34.2771% | 363 |
| Total risk-based capital ratio | 35.2946% | 363 |
| Memoranda: | ||
| Average total assets | $1,135,788,000 | 586 |
| Average earning assets | $1,038,911,600 | 583 |
| Average equity | $220,072,400 | 327 |
| Average total loans | $476,324,200 | 1,010 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9472% | 6,774 |
| Cost of funding earning assets | 1.9874% | 3,431 |
| Net interest margin | 2.9597% | 6,706 |
| Noninterest income to average assets | 0.3331% | 5,825 |
| Noninterest expense to average assets | 1.9684% | 7,443 |
| Loan and lease loss provision to assets | 0.2814% | 4,727 |
| Net operating income to assets | 0.5912% | 3,629 |
| Return on assets (ROA) | 0.7208% | 3,203 |
| Pretax return on assets | 0.9556% | 3,039 |
| Return on Equity (ROE) | 3.7205% | 4,487 |
| Retained earnings to average equity (ytd only) | 3.7205% | 3,205 |
| Net charge-offs to loans | 0.5725% | 2,962 |
| Credit loss provision to net charge-offs | 116.1779% | 4,371 |
| Earnings coverage of net charge-offs (x) | 4.3930% | 3,151 |
| Efficiency ratio | 64.4634% | 5,667 |
| Assets per employee ($millions) | 7.3230% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 3,699 |
| Loan loss allowance to noncurrent loans | 143.7185% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 6,302 |
| Noncurrent loans to loans | 1.0077% | 5,291 |
| Net loans and leases to total assets | 37.8380% | 7,558 |
| Net loans and leases to deposits | 71.0692% | 5,788 |
| Net loans and leases to core deposits | 83.2938% | 6,091 |
| Total domestic deposits to total assets | 53.2411% | 7,956 |
| Equity capital to assets | 18.1618% | 502 |
| Core capital (leverage) ratio | 18.3494% | 431 |
| Tier 1 risk-based capital ratio | 29.9954% | 563 |
| Total risk-based capital ratio | 30.9117% | 575 |
| Memoranda: | ||
| Average total assets | $1,126,090,250 | 598 |
| Average earning assets | $1,027,093,000 | 594 |
| Average equity | $218,170,500 | 340 |
| Average total loans | $476,506,000 | 1,030 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 6,800 |
| Cost of funding earning assets | 2.0317% | 3,615 |
| Net interest margin | 2.9607% | 6,654 |
| Noninterest income to average assets | 0.3636% | 5,606 |
| Noninterest expense to average assets | 2.0798% | 7,319 |
| Loan and lease loss provision to assets | 0.3220% | 4,012 |
| Net operating income to assets | 0.5394% | 3,939 |
| Return on assets (ROA) | 0.5690% | 3,924 |
| Pretax return on assets | 0.7389% | 3,869 |
| Return on Equity (ROE) | 2.8695% | 4,952 |
| Retained earnings to average equity (ytd only) | 2.8695% | 3,731 |
| Net charge-offs to loans | 0.6127% | 2,512 |
| Credit loss provision to net charge-offs | 120.0137% | 3,870 |
| Earnings coverage of net charge-offs (x) | 3.8108% | 3,304 |
| Efficiency ratio | 66.6411% | 5,428 |
| Assets per employee ($millions) | 6.3753% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 3,688 |
| Loan loss allowance to noncurrent loans | 104.7421% | 2,785 |
| Noncurrent assets plus other real estate owned to assets | 0.5984% | 5,921 |
| Noncurrent loans to loans | 1.3434% | 4,525 |
| Net loans and leases to total assets | 42.2417% | 7,433 |
| Net loans and leases to deposits | 75.3346% | 5,270 |
| Net loans and leases to core deposits | 85.5980% | 5,948 |
| Total domestic deposits to total assets | 56.0721% | 8,006 |
| Equity capital to assets | 19.4864% | 416 |
| Core capital (leverage) ratio | 19.7131% | 376 |
| Tier 1 risk-based capital ratio | 32.9100% | 468 |
| Total risk-based capital ratio | 33.9234% | 465 |
| Memoranda: | ||
| Average total assets | $1,091,364,330 | 632 |
| Average earning assets | $1,009,476,000 | 618 |
| Average equity | $216,414,330 | 352 |
| Average total loans | $477,891,330 | 1,050 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1078% | 6,620 |
| Cost of funding earning assets | 2.0514% | 3,862 |
| Net interest margin | 3.0564% | 6,317 |
| Noninterest income to average assets | 0.3922% | 5,275 |
| Noninterest expense to average assets | 1.9906% | 7,374 |
| Loan and lease loss provision to assets | 0.4288% | 2,782 |
| Net operating income to assets | 0.5943% | 4,039 |
| Return on assets (ROA) | 0.6189% | 4,129 |
| Pretax return on assets | 0.8303% | 3,971 |
| Return on Equity (ROE) | 3.0930% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.0930% | 4,154 |
| Net charge-offs to loans | 0.8604% | 1,517 |
| Credit loss provision to net charge-offs | 112.5245% | 3,446 |
| Earnings coverage of net charge-offs (x) | 3.2182% | 3,243 |
| Efficiency ratio | 61.5438% | 6,141 |
| Assets per employee ($millions) | 6.4071% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4066% | 3,463 |
| Loan loss allowance to noncurrent loans | 115.3231% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5316% | 5,894 |
| Noncurrent loans to loans | 1.2197% | 4,534 |
| Net loans and leases to total assets | 42.9705% | 7,412 |
| Net loans and leases to deposits | 77.3339% | 5,037 |
| Net loans and leases to core deposits | 88.5039% | 5,691 |
| Total domestic deposits to total assets | 55.5649% | 8,048 |
| Equity capital to assets | 20.0475% | 416 |
| Core capital (leverage) ratio | 20.3800% | 378 |
| Tier 1 risk-based capital ratio | 35.0137% | 435 |
| Total risk-based capital ratio | 36.0729% | 429 |
| Memoranda: | ||
| Average total assets | $1,072,830,000 | 648 |
| Average earning assets | $991,502,000 | 630 |
| Average equity | $214,676,000 | 351 |
| Average total loans | $475,101,000 | 1,061 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5052% | 7,289 |
| Cost of funding earning assets | 2.3826% | 4,797 |
| Net interest margin | 3.1226% | 6,585 |
| Noninterest income to average assets | 0.3657% | 5,786 |
| Noninterest expense to average assets | 1.9663% | 7,509 |
| Loan and lease loss provision to assets | 0.3397% | 3,673 |
| Net operating income to assets | 0.7424% | 3,706 |
| Return on assets (ROA) | 0.7030% | 3,717 |
| Pretax return on assets | 0.8856% | 3,770 |
| Return on Equity (ROE) | 3.3307% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.3307% | 3,072 |
| Net charge-offs to loans | 0.5998% | 2,034 |
| Credit loss provision to net charge-offs | 129.3743% | 4,121 |
| Earnings coverage of net charge-offs (x) | 4.8565% | 3,832 |
| Efficiency ratio | 60.3254% | 6,285 |
| Assets per employee ($millions) | 5.9048% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,416 |
| Loan loss allowance to noncurrent loans | 196.0253% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 6,358 |
| Noncurrent loans to loans | 0.6944% | 5,302 |
| Net loans and leases to total assets | 44.3868% | 7,446 |
| Net loans and leases to deposits | 80.1068% | 5,031 |
| Net loans and leases to core deposits | 91.2335% | 5,699 |
| Total domestic deposits to total assets | 55.4095% | 8,065 |
| Equity capital to assets | 19.9723% | 467 |
| Core capital (leverage) ratio | 20.5111% | 404 |
| Tier 1 risk-based capital ratio | 34.5171% | 463 |
| Total risk-based capital ratio | 35.5491% | 462 |
| Memoranda: | ||
| Average total assets | $1,016,427,200 | 652 |
| Average earning assets | $936,108,600 | 641 |
| Average equity | $214,522,200 | 351 |
| Average total loans | $444,975,000 | 1,081 |