Home > Wheaton Bank & Trust > Performance and Condition Ratios
Wheaton Bank & Trust, 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 | 5.3719% | 1,354 |
| Cost of funding earning assets | 2.0826% | 801 |
| Net interest margin | 3.2892% | 2,664 |
| Noninterest income to average assets | 0.3500% | 2,791 |
| Noninterest expense to average assets | 1.3143% | 4,432 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.4118% | 1,196 |
| Return on assets (ROA) | 1.4128% | 1,170 |
| Pretax return on assets | 1.9213% | 752 |
| Return on Equity (ROE) | 14.5600% | 1,373 |
| Retained earnings to average equity (ytd only) | 8.9066% | 1,278 |
| Net charge-offs to loans | 0.0685% | 1,165 |
| Credit loss provision to net charge-offs | 310.7023% | 930 |
| Earnings coverage of net charge-offs (x) | 43.6120% | 1,388 |
| Efficiency ratio | 38.3368% | 4,392 |
| Assets per employee ($millions) | 31.2351% | 44 |
| Cash dividends to net income (ytd only)* | 38.8190% | 2,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8486% | 3,859 |
| Loan loss allowance to noncurrent loans | 368.5870% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 1,801 |
| Noncurrent loans to loans | 0.2302% | 2,397 |
| Net loans and leases to total assets | 71.3400% | 1,661 |
| Net loans and leases to deposits | 84.2916% | 1,754 |
| Net loans and leases to core deposits | 98.1508% | 1,536 |
| Total domestic deposits to total assets | 84.6300% | 2,424 |
| Equity capital to assets | 9.7898% | 2,133 |
| Core capital (leverage) ratio | 9.4277% | 3,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5444% | 2,704 |
| Memoranda: | ||
| Average total assets | $3,099,777,000 | 385 |
| Average earning assets | $2,886,898,000 | 372 |
| Average equity | $300,822,000 | 397 |
| Average total loans | $2,182,005,800 | 380 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 1,446 |
| Cost of funding earning assets | 1.9473% | 788 |
| Net interest margin | 3.2560% | 2,791 |
| Noninterest income to average assets | 0.3700% | 2,673 |
| Noninterest expense to average assets | 1.2329% | 4,472 |
| Loan and lease loss provision to assets | 0.1700% | 682 |
| Net operating income to assets | 1.4646% | 1,200 |
| Return on assets (ROA) | 1.4646% | 1,182 |
| Pretax return on assets | 1.9972% | 750 |
| Return on Equity (ROE) | 15.1300% | 1,422 |
| Retained earnings to average equity (ytd only) | 15.1262% | 540 |
| Net charge-offs to loans | 0.0516% | 1,163 |
| Credit loss provision to net charge-offs | 364.9819% | 768 |
| Earnings coverage of net charge-offs (x) | 60.0060% | 1,205 |
| Efficiency ratio | 36.1514% | 4,442 |
| Assets per employee ($millions) | 30.2801% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8464% | 3,881 |
| Loan loss allowance to noncurrent loans | 218.6177% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 1,449 |
| Noncurrent loans to loans | 0.3872% | 1,859 |
| Net loans and leases to total assets | 70.2100% | 1,803 |
| Net loans and leases to deposits | 83.2594% | 1,806 |
| Net loans and leases to core deposits | 94.8710% | 1,627 |
| Total domestic deposits to total assets | 84.3300% | 2,678 |
| Equity capital to assets | 9.7336% | 1,974 |
| Core capital (leverage) ratio | 9.8409% | 2,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2005% | 2,546 |
| Memoranda: | ||
| Average total assets | $3,070,418,500 | 391 |
| Average earning assets | $2,854,030,500 | 379 |
| Average equity | $297,287,750 | 403 |
| Average total loans | $2,148,836,000 | 382 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 1,542 |
| Cost of funding earning assets | 1.7199% | 859 |
| Net interest margin | 3.2918% | 2,768 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 1.2810% | 4,479 |
| Loan and lease loss provision to assets | 0.2000% | 537 |
| Net operating income to assets | 1.4465% | 1,223 |
| Return on assets (ROA) | 1.4478% | 1,207 |
| Pretax return on assets | 1.9744% | 777 |
| Return on Equity (ROE) | 14.9800% | 1,474 |
| Retained earnings to average equity (ytd only) | 14.9801% | 563 |
| Net charge-offs to loans | 0.0645% | 910 |
| Credit loss provision to net charge-offs | 339.5924% | 800 |
| Earnings coverage of net charge-offs (x) | 48.4061% | 1,303 |
| Efficiency ratio | 36.8946% | 4,454 |
| Assets per employee ($millions) | 31.3073% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 3,982 |
| Loan loss allowance to noncurrent loans | 546.8194% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 2,021 |
| Noncurrent loans to loans | 0.1492% | 2,719 |
| Net loans and leases to total assets | 71.1700% | 1,620 |
| Net loans and leases to deposits | 85.2619% | 1,568 |
| Net loans and leases to core deposits | 99.4031% | 1,269 |
| Total domestic deposits to total assets | 83.4700% | 2,941 |
| Equity capital to assets | 9.8113% | 1,972 |
| Core capital (leverage) ratio | 9.6111% | 3,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7625% | 2,691 |
| Memoranda: | ||
| Average total assets | $3,054,274,667 | 384 |
| Average earning assets | $2,833,341,333 | 370 |
| Average equity | $295,192,000 | 390 |
| Average total loans | $2,128,917,667 | 374 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7646% | 1,708 |
| Cost of funding earning assets | 1.3669% | 1,102 |
| Net interest margin | 3.3977% | 2,639 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 1.2934% | 4,541 |
| Loan and lease loss provision to assets | 0.1100% | 1,010 |
| Net operating income to assets | 1.5926% | 996 |
| Return on assets (ROA) | 1.5965% | 981 |
| Pretax return on assets | 2.1732% | 593 |
| Return on Equity (ROE) | 16.6500% | 1,235 |
| Retained earnings to average equity (ytd only) | 16.6471% | 626 |
| Net charge-offs to loans | 0.0569% | 802 |
| Credit loss provision to net charge-offs | -17.5676% | 4,568 |
| Earnings coverage of net charge-offs (x) | 58.4628% | 1,038 |
| Efficiency ratio | 36.0226% | 4,539 |
| Assets per employee ($millions) | 31.2418% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 4,136 |
| Loan loss allowance to noncurrent loans | 452.7201% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 1,889 |
| Noncurrent loans to loans | 0.1701% | 2,634 |
| Net loans and leases to total assets | 68.6700% | 1,771 |
| Net loans and leases to deposits | 80.7150% | 1,765 |
| Net loans and leases to core deposits | 93.5520% | 1,422 |
| Total domestic deposits to total assets | 85.0700% | 2,843 |
| Equity capital to assets | 9.8575% | 1,893 |
| Core capital (leverage) ratio | 9.4396% | 3,260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8864% | 2,761 |
| Memoranda: | ||
| Average total assets | $3,031,699,000 | 398 |
| Average earning assets | $2,794,682,000 | 387 |
| Average equity | $290,740,500 | 402 |
| Average total loans | $2,081,449,500 | 393 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3012% | 3,586 |
| Cost of funding earning assets | 0.4470% | 1,743 |
| Net interest margin | 2.8541% | 3,784 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 1.2280% | 4,598 |
| Loan and lease loss provision to assets | 0.2500% | 370 |
| Net operating income to assets | 1.1814% | 1,856 |
| Return on assets (ROA) | 1.1786% | 1,797 |
| Pretax return on assets | 1.6122% | 1,142 |
| Return on Equity (ROE) | 12.2700% | 2,051 |
| Retained earnings to average equity (ytd only) | 11.1998% | 841 |
| Net charge-offs to loans | 0.1591% | 519 |
| Credit loss provision to net charge-offs | 229.9159% | 1,042 |
| Earnings coverage of net charge-offs (x) | 17.5815% | 1,951 |
| Efficiency ratio | 39.4731% | 4,547 |
| Assets per employee ($millions) | 31.9257% | 40 |
| Cash dividends to net income (ytd only)* | 8.7448% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8055% | 4,016 |
| Loan loss allowance to noncurrent loans | 267.8255% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.3330% | 1,517 |
| Noncurrent loans to loans | 0.3007% | 2,060 |
| Net loans and leases to total assets | 67.5700% | 1,876 |
| Net loans and leases to deposits | 78.9494% | 1,851 |
| Net loans and leases to core deposits | 89.9242% | 1,507 |
| Total domestic deposits to total assets | 85.5800% | 2,836 |
| Equity capital to assets | 9.3228% | 2,135 |
| Core capital (leverage) ratio | 9.0426% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5623% | 2,847 |
| Memoranda: | ||
| Average total assets | $2,910,862,600 | 404 |
| Average earning assets | $2,723,314,000 | 392 |
| Average equity | $279,523,600 | 402 |
| Average total loans | $1,943,673,800 | 388 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9372% | 4,003 |
| Cost of funding earning assets | 0.2808% | 2,376 |
| Net interest margin | 2.6564% | 4,012 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 1.1967% | 4,629 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 1.1634% | 1,843 |
| Return on assets (ROA) | 1.1595% | 1,833 |
| Pretax return on assets | 1.5845% | 1,160 |
| Return on Equity (ROE) | 11.9800% | 2,039 |
| Retained earnings to average equity (ytd only) | 10.5472% | 1,182 |
| Net charge-offs to loans | 0.2132% | 317 |
| Credit loss provision to net charge-offs | 130.3040% | 1,178 |
| Earnings coverage of net charge-offs (x) | 12.5129% | 1,914 |
| Efficiency ratio | 40.0967% | 4,570 |
| Assets per employee ($millions) | 29.7216% | 48 |
| Cash dividends to net income (ytd only)* | 11.9770% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 4,299 |
| Loan loss allowance to noncurrent loans | 553.0612% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 2,171 |
| Noncurrent loans to loans | 0.1217% | 3,037 |
| Net loans and leases to total assets | 67.9600% | 1,680 |
| Net loans and leases to deposits | 81.7646% | 1,462 |
| Net loans and leases to core deposits | 87.9675% | 1,415 |
| Total domestic deposits to total assets | 83.1100% | 3,671 |
| Equity capital to assets | 9.2079% | 2,073 |
| Core capital (leverage) ratio | 9.3138% | 3,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4154% | 2,966 |
| Memoranda: | ||
| Average total assets | $2,880,343,250 | 404 |
| Average earning assets | $2,704,627,250 | 394 |
| Average equity | $278,716,000 | 407 |
| Average total loans | $1,913,119,750 | 390 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6764% | 4,176 |
| Cost of funding earning assets | 0.2095% | 2,793 |
| Net interest margin | 2.4669% | 4,137 |
| Noninterest income to average assets | 0.4594% | 2,400 |
| Noninterest expense to average assets | 1.1782% | 4,651 |
| Loan and lease loss provision to assets | 0.3800% | 152 |
| Net operating income to assets | 0.8931% | 2,609 |
| Return on assets (ROA) | 0.8891% | 2,602 |
| Pretax return on assets | 1.2171% | 2,018 |
| Return on Equity (ROE) | 9.0384% | 2,691 |
| Retained earnings to average equity (ytd only) | 6.9056% | 2,021 |
| Net charge-offs to loans | 0.3876% | 180 |
| Credit loss provision to net charge-offs | 135.5751% | 1,135 |
| Earnings coverage of net charge-offs (x) | 6.2882% | 1,903 |
| Efficiency ratio | 42.1215% | 4,565 |
| Assets per employee ($millions) | 28.9319% | 47 |
| Cash dividends to net income (ytd only)* | 23.5979% | 2,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 4,293 |
| Loan loss allowance to noncurrent loans | 197.2088% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 1,431 |
| Noncurrent loans to loans | 0.3681% | 2,044 |
| Net loans and leases to total assets | 68.5325% | 1,434 |
| Net loans and leases to deposits | 80.6235% | 1,340 |
| Net loans and leases to core deposits | 84.8581% | 1,402 |
| Total domestic deposits to total assets | 85.0031% | 3,482 |
| Equity capital to assets | 9.9128% | 1,758 |
| Core capital (leverage) ratio | 8.8286% | 3,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2596% | 2,975 |
| Memoranda: | ||
| Average total assets | $2,859,646,333 | 401 |
| Average earning assets | $2,690,426,667 | 397 |
| Average equity | $281,309,333 | 405 |
| Average total loans | $1,879,785,667 | 385 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4854% | 4,284 |
| Cost of funding earning assets | 0.1754% | 3,152 |
| Net interest margin | 2.3100% | 4,222 |
| Noninterest income to average assets | 0.4966% | 2,156 |
| Noninterest expense to average assets | 1.1637% | 4,677 |
| Loan and lease loss provision to assets | 0.1361% | 593 |
| Net operating income to assets | 1.0066% | 1,854 |
| Return on assets (ROA) | 1.0020% | 1,869 |
| Pretax return on assets | 1.3703% | 1,329 |
| Return on Equity (ROE) | 10.2229% | 1,879 |
| Retained earnings to average equity (ytd only) | 10.2229% | 970 |
| Net charge-offs to loans | 0.1627% | 366 |
| Credit loss provision to net charge-offs | 152.8402% | 856 |
| Earnings coverage of net charge-offs (x) | 14.4875% | 1,370 |
| Efficiency ratio | 43.2237% | 4,578 |
| Assets per employee ($millions) | 31.9328% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6957% | 4,390 |
| Loan loss allowance to noncurrent loans | 721.0963% | 1,156 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 2,441 |
| Noncurrent loans to loans | 0.0965% | 3,358 |
| Net loans and leases to total assets | 64.6831% | 1,537 |
| Net loans and leases to deposits | 75.9626% | 1,450 |
| Net loans and leases to core deposits | 85.0902% | 1,181 |
| Total domestic deposits to total assets | 85.1512% | 3,507 |
| Equity capital to assets | 9.7897% | 2,058 |
| Core capital (leverage) ratio | 8.4580% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2842% | 3,012 |
| Memoranda: | ||
| Average total assets | $2,900,739,000 | 396 |
| Average earning assets | $2,736,812,500 | 391 |
| Average equity | $284,302,000 | 414 |
| Average total loans | $1,860,987,500 | 387 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5688% | 4,432 |
| Cost of funding earning assets | 0.2356% | 3,080 |
| Net interest margin | 2.3332% | 4,388 |
| Noninterest income to average assets | 0.4128% | 2,984 |
| Noninterest expense to average assets | 1.2024% | 4,710 |
| Loan and lease loss provision to assets | -0.1469% | 4,623 |
| Net operating income to assets | 1.1341% | 2,163 |
| Return on assets (ROA) | 1.1326% | 2,217 |
| Pretax return on assets | 1.5465% | 1,582 |
| Return on Equity (ROE) | 11.7997% | 1,879 |
| Retained earnings to average equity (ytd only) | 11.7997% | 560 |
| Net charge-offs to loans | 0.0758% | 1,032 |
| Credit loss provision to net charge-offs | -205.3786% | 3,520 |
| Earnings coverage of net charge-offs (x) | 27.8655% | 1,665 |
| Efficiency ratio | 45.8649% | 4,507 |
| Assets per employee ($millions) | 33.6497% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 4,450 |
| Loan loss allowance to noncurrent loans | 177.1649% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 2,339 |
| Noncurrent loans to loans | 0.3851% | 2,205 |
| Net loans and leases to total assets | 62.7618% | 1,850 |
| Net loans and leases to deposits | 73.7271% | 1,742 |
| Net loans and leases to core deposits | 78.1229% | 1,750 |
| Total domestic deposits to total assets | 85.1272% | 3,231 |
| Equity capital to assets | 9.8121% | 2,838 |
| Core capital (leverage) ratio | 8.0793% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3707% | 3,007 |
| Memoranda: | ||
| Average total assets | $2,809,345,000 | 397 |
| Average earning assets | $2,638,314,000 | 389 |
| Average equity | $269,658,600 | 421 |
| Average total loans | $1,863,432,600 | 384 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5946% | 4,505 |
| Cost of funding earning assets | 0.2542% | 3,082 |
| Net interest margin | 2.3404% | 4,454 |
| Noninterest income to average assets | 0.3962% | 3,110 |
| Noninterest expense to average assets | 1.2078% | 4,784 |
| Loan and lease loss provision to assets | -0.2210% | 4,768 |
| Net operating income to assets | 1.1784% | 2,235 |
| Return on assets (ROA) | 1.1767% | 2,301 |
| Pretax return on assets | 1.5998% | 1,701 |
| Return on Equity (ROE) | 12.3312% | 1,928 |
| Retained earnings to average equity (ytd only) | 12.3312% | 766 |
| Net charge-offs to loans | 0.0152% | 1,779 |
| Credit loss provision to net charge-offs | -1,335.2113% | 3,915 |
| Earnings coverage of net charge-offs (x) | 135.1784% | 721 |
| Efficiency ratio | 46.3252% | 4,483 |
| Assets per employee ($millions) | 34.9677% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,417 |
| Loan loss allowance to noncurrent loans | 149.6442% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.3121% | 2,212 |
| Noncurrent loans to loans | 0.5038% | 2,051 |
| Net loans and leases to total assets | 61.4788% | 2,079 |
| Net loans and leases to deposits | 71.8206% | 2,067 |
| Net loans and leases to core deposits | 75.5627% | 2,097 |
| Total domestic deposits to total assets | 85.6005% | 2,912 |
| Equity capital to assets | 9.2817% | 3,579 |
| Core capital (leverage) ratio | 7.9153% | 4,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2803% | 3,063 |
| Memoranda: | ||
| Average total assets | $2,779,799,500 | 400 |
| Average earning assets | $2,604,297,750 | 393 |
| Average equity | $265,260,000 | 428 |
| Average total loans | $1,866,792,750 | 387 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6393% | 4,515 |
| Cost of funding earning assets | 0.2804% | 2,974 |
| Net interest margin | 2.3590% | 4,459 |
| Noninterest income to average assets | 0.4017% | 3,103 |
| Noninterest expense to average assets | 1.2367% | 4,812 |
| Loan and lease loss provision to assets | -0.3350% | 4,854 |
| Net operating income to assets | 1.2561% | 2,004 |
| Return on assets (ROA) | 1.2536% | 2,078 |
| Pretax return on assets | 1.7035% | 1,471 |
| Return on Equity (ROE) | 13.0070% | 1,715 |
| Retained earnings to average equity (ytd only) | 13.0070% | 716 |
| Net charge-offs to loans | 0.0363% | 1,278 |
| Credit loss provision to net charge-offs | -928.5294% | 3,639 |
| Earnings coverage of net charge-offs (x) | 54.7765% | 1,020 |
| Efficiency ratio | 47.0550% | 4,459 |
| Assets per employee ($millions) | 33.4542% | 44 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7204% | 4,498 |
| Loan loss allowance to noncurrent loans | 146.9926% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.3216% | 2,312 |
| Noncurrent loans to loans | 0.4901% | 2,213 |
| Net loans and leases to total assets | 65.1358% | 1,808 |
| Net loans and leases to deposits | 76.3624% | 1,784 |
| Net loans and leases to core deposits | 82.8706% | 1,649 |
| Total domestic deposits to total assets | 85.2983% | 2,985 |
| Equity capital to assets | 9.4594% | 3,374 |
| Core capital (leverage) ratio | 8.0822% | 4,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2119% | 3,068 |
| Memoranda: | ||
| Average total assets | $2,715,647,333 | 406 |
| Average earning assets | $2,540,275,000 | 398 |
| Average equity | $261,721,333 | 432 |
| Average total loans | $1,875,327,667 | 385 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6332% | 4,542 |
| Cost of funding earning assets | 0.2980% | 3,015 |
| Net interest margin | 2.3351% | 4,484 |
| Noninterest income to average assets | 0.4429% | 2,858 |
| Noninterest expense to average assets | 1.2335% | 4,847 |
| Loan and lease loss provision to assets | -0.6238% | 4,939 |
| Net operating income to assets | 1.4812% | 1,375 |
| Return on assets (ROA) | 1.4774% | 1,443 |
| Pretax return on assets | 2.0054% | 940 |
| Return on Equity (ROE) | 15.1793% | 1,171 |
| Retained earnings to average equity (ytd only) | 15.1793% | 607 |
| Net charge-offs to loans | 0.0800% | 799 |
| Credit loss provision to net charge-offs | -836.9681% | 3,324 |
| Earnings coverage of net charge-offs (x) | 24.4441% | 1,176 |
| Efficiency ratio | 46.7181% | 4,425 |
| Assets per employee ($millions) | 29.0958% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6967% | 4,575 |
| Loan loss allowance to noncurrent loans | 199.4499% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 2,897 |
| Noncurrent loans to loans | 0.3493% | 2,835 |
| Net loans and leases to total assets | 70.6629% | 1,197 |
| Net loans and leases to deposits | 83.3979% | 1,207 |
| Net loans and leases to core deposits | 92.0145% | 1,115 |
| Total domestic deposits to total assets | 84.7299% | 3,212 |
| Equity capital to assets | 9.6806% | 3,029 |
| Core capital (leverage) ratio | 8.0960% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3803% | 3,027 |
| Memoranda: | ||
| Average total assets | $2,651,665,500 | 408 |
| Average earning assets | $2,472,164,000 | 402 |
| Average equity | $258,087,500 | 433 |
| Average total loans | $1,880,166,500 | 380 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1402% | 4,518 |
| Cost of funding earning assets | 0.5422% | 2,663 |
| Net interest margin | 2.5980% | 4,501 |
| Noninterest income to average assets | 0.4129% | 3,035 |
| Noninterest expense to average assets | 1.3944% | 4,837 |
| Loan and lease loss provision to assets | 0.4005% | 783 |
| Net operating income to assets | 0.7894% | 3,133 |
| Return on assets (ROA) | 0.7910% | 3,244 |
| Pretax return on assets | 1.0156% | 2,992 |
| Return on Equity (ROE) | 7.8287% | 2,878 |
| Retained earnings to average equity (ytd only) | 6.1865% | 1,717 |
| Net charge-offs to loans | 0.0079% | 3,048 |
| Credit loss provision to net charge-offs | 7,314.3939% | 145 |
| Earnings coverage of net charge-offs (x) | 258.2576% | 389 |
| Efficiency ratio | 49.2261% | 4,577 |
| Assets per employee ($millions) | 27.0565% | 51 |
| Cash dividends to net income (ytd only)* | 20.9765% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 4,120 |
| Loan loss allowance to noncurrent loans | 214.1882% | 2,229 |
| Noncurrent assets plus other real estate owned to assets | 0.3045% | 2,778 |
| Noncurrent loans to loans | 0.4310% | 2,684 |
| Net loans and leases to total assets | 69.9888% | 1,563 |
| Net loans and leases to deposits | 83.1644% | 1,527 |
| Net loans and leases to core deposits | 90.9387% | 1,459 |
| Total domestic deposits to total assets | 84.1573% | 3,063 |
| Equity capital to assets | 9.7877% | 3,330 |
| Core capital (leverage) ratio | 7.7429% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4372% | 3,033 |
| Memoranda: | ||
| Average total assets | $2,410,743,200 | 409 |
| Average earning assets | $2,222,914,200 | 401 |
| Average equity | $243,577,200 | 430 |
| Average total loans | $1,665,171,200 | 407 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2764% | 4,506 |
| Cost of funding earning assets | 0.6042% | 2,584 |
| Net interest margin | 2.6722% | 4,498 |
| Noninterest income to average assets | 0.4056% | 3,052 |
| Noninterest expense to average assets | 1.4011% | 4,861 |
| Loan and lease loss provision to assets | 0.5021% | 580 |
| Net operating income to assets | 0.7628% | 3,239 |
| Return on assets (ROA) | 0.7650% | 3,341 |
| Pretax return on assets | 0.9645% | 3,182 |
| Return on Equity (ROE) | 7.5068% | 3,010 |
| Retained earnings to average equity (ytd only) | 5.2930% | 2,432 |
| Net charge-offs to loans | 0.0241% | 2,358 |
| Credit loss provision to net charge-offs | 3,038.5666% | 345 |
| Earnings coverage of net charge-offs (x) | 88.5836% | 859 |
| Efficiency ratio | 48.4665% | 4,581 |
| Assets per employee ($millions) | 26.7983% | 49 |
| Cash dividends to net income (ytd only)* | 29.4898% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 4,207 |
| Loan loss allowance to noncurrent loans | 179.9551% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 2,804 |
| Noncurrent loans to loans | 0.4763% | 2,628 |
| Net loans and leases to total assets | 69.8625% | 1,973 |
| Net loans and leases to deposits | 82.4257% | 2,058 |
| Net loans and leases to core deposits | 92.4372% | 1,756 |
| Total domestic deposits to total assets | 84.7582% | 2,526 |
| Equity capital to assets | 9.3453% | 3,827 |
| Core capital (leverage) ratio | 7.6530% | 4,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3359% | 3,059 |
| Memoranda: | ||
| Average total assets | $2,364,073,000 | 407 |
| Average earning assets | $2,175,715,250 | 400 |
| Average equity | $240,914,500 | 422 |
| Average total loans | $1,622,752,750 | 411 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4818% | 4,436 |
| Cost of funding earning assets | 0.6999% | 2,381 |
| Net interest margin | 2.7818% | 4,476 |
| Noninterest income to average assets | 0.4147% | 2,992 |
| Noninterest expense to average assets | 1.5900% | 4,785 |
| Loan and lease loss provision to assets | 0.6732% | 423 |
| Net operating income to assets | 0.5195% | 3,957 |
| Return on assets (ROA) | 0.5222% | 4,037 |
| Pretax return on assets | 0.7033% | 3,863 |
| Return on Equity (ROE) | 4.9637% | 3,838 |
| Retained earnings to average equity (ytd only) | 1.6104% | 3,907 |
| Net charge-offs to loans | 0.0143% | 2,464 |
| Credit loss provision to net charge-offs | 6,939.0909% | 171 |
| Earnings coverage of net charge-offs (x) | 141.5273% | 553 |
| Efficiency ratio | 53.1893% | 4,263 |
| Assets per employee ($millions) | 25.7287% | 50 |
| Cash dividends to net income (ytd only)* | 67.5562% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8462% | 4,200 |
| Loan loss allowance to noncurrent loans | 109.7092% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 2,240 |
| Noncurrent loans to loans | 0.7713% | 1,957 |
| Net loans and leases to total assets | 68.0327% | 2,347 |
| Net loans and leases to deposits | 80.6734% | 2,356 |
| Net loans and leases to core deposits | 91.2451% | 1,960 |
| Total domestic deposits to total assets | 84.3310% | 2,622 |
| Equity capital to assets | 9.3508% | 3,781 |
| Core capital (leverage) ratio | 7.5917% | 4,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4509% | 3,093 |
| Memoranda: | ||
| Average total assets | $2,267,752,333 | 412 |
| Average earning assets | $2,077,403,333 | 411 |
| Average equity | $238,574,333 | 424 |
| Average total loans | $1,540,503,000 | 424 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7207% | 4,348 |
| Cost of funding earning assets | 0.8419% | 2,152 |
| Net interest margin | 2.8788% | 4,465 |
| Noninterest income to average assets | 0.4491% | 2,795 |
| Noninterest expense to average assets | 1.6252% | 4,836 |
| Loan and lease loss provision to assets | 0.3837% | 798 |
| Net operating income to assets | 0.7827% | 2,963 |
| Return on assets (ROA) | 0.7867% | 3,037 |
| Pretax return on assets | 1.0590% | 2,643 |
| Return on Equity (ROE) | 7.0043% | 2,946 |
| Retained earnings to average equity (ytd only) | 0.2694% | 3,927 |
| Net charge-offs to loans | -0.0384% | 4,553 |
| Credit loss provision to net charge-offs | -1,481.0219% | 3,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5500% | 4,509 |
| Assets per employee ($millions) | 21.8583% | 54 |
| Cash dividends to net income (ytd only)* | 96.1538% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6612% | 4,667 |
| Loan loss allowance to noncurrent loans | 88.7047% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4892% | 2,529 |
| Noncurrent loans to loans | 0.7454% | 2,139 |
| Net loans and leases to total assets | 65.1994% | 2,908 |
| Net loans and leases to deposits | 79.5144% | 2,729 |
| Net loans and leases to core deposits | 93.2886% | 2,037 |
| Total domestic deposits to total assets | 81.9970% | 3,421 |
| Equity capital to assets | 10.8126% | 3,040 |
| Core capital (leverage) ratio | 9.2037% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2746% | 3,278 |
| Memoranda: | ||
| Average total assets | $2,115,192,000 | 424 |
| Average earning assets | $1,920,372,500 | 427 |
| Average equity | $237,569,500 | 425 |
| Average total loans | $1,428,088,000 | 442 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3632% | 3,354 |
| Cost of funding earning assets | 0.9568% | 1,923 |
| Net interest margin | 3.4065% | 3,728 |
| Noninterest income to average assets | 0.4134% | 3,211 |
| Noninterest expense to average assets | 1.5221% | 4,994 |
| Loan and lease loss provision to assets | 0.3089% | 530 |
| Net operating income to assets | 1.2222% | 1,976 |
| Return on assets (ROA) | 1.2299% | 2,033 |
| Pretax return on assets | 1.6443% | 1,348 |
| Return on Equity (ROE) | 10.3252% | 2,152 |
| Retained earnings to average equity (ytd only) | 8.5350% | 825 |
| Net charge-offs to loans | 0.4164% | 467 |
| Credit loss provision to net charge-offs | 104.2454% | 2,373 |
| Earnings coverage of net charge-offs (x) | 6.5580% | 2,967 |
| Efficiency ratio | 43.3685% | 4,998 |
| Assets per employee ($millions) | 19.6379% | 64 |
| Cash dividends to net income (ytd only)* | 17.3378% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4419% | 4,953 |
| Loan loss allowance to noncurrent loans | 175.7490% | 2,313 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 3,552 |
| Noncurrent loans to loans | 0.2514% | 3,548 |
| Net loans and leases to total assets | 69.2629% | 2,506 |
| Net loans and leases to deposits | 82.8052% | 2,470 |
| Net loans and leases to core deposits | 91.4563% | 2,282 |
| Total domestic deposits to total assets | 83.6455% | 2,977 |
| Equity capital to assets | 11.6889% | 2,359 |
| Core capital (leverage) ratio | 9.2410% | 4,328 |
| Tier 1 risk-based capital ratio | 10.9803% | 4,867 |
| Total risk-based capital ratio | 11.3634% | 5,060 |
| Memoranda: | ||
| Average total assets | $1,875,776,400 | 450 |
| Average earning assets | $1,680,720,200 | 460 |
| Average equity | $223,443,600 | 431 |
| Average total loans | $1,335,121,800 | 450 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4463% | 3,224 |
| Cost of funding earning assets | 0.9538% | 1,979 |
| Net interest margin | 3.4925% | 3,581 |
| Noninterest income to average assets | 0.4146% | 3,231 |
| Noninterest expense to average assets | 1.5335% | 5,053 |
| Loan and lease loss provision to assets | 0.4554% | 276 |
| Net operating income to assets | 1.1529% | 2,350 |
| Return on assets (ROA) | 1.1634% | 2,411 |
| Pretax return on assets | 1.5521% | 1,806 |
| Return on Equity (ROE) | 9.7165% | 2,558 |
| Retained earnings to average equity (ytd only) | 7.2945% | 1,716 |
| Net charge-offs to loans | 0.5970% | 270 |
| Credit loss provision to net charge-offs | 106.5287% | 2,143 |
| Earnings coverage of net charge-offs (x) | 4.6644% | 2,986 |
| Efficiency ratio | 42.9035% | 5,048 |
| Assets per employee ($millions) | 20.0476% | 57 |
| Cash dividends to net income (ytd only)* | 24.9268% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4651% | 5,012 |
| Loan loss allowance to noncurrent loans | 172.2207% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 3,595 |
| Noncurrent loans to loans | 0.2700% | 3,572 |
| Net loans and leases to total assets | 68.6610% | 2,683 |
| Net loans and leases to deposits | 82.0393% | 2,679 |
| Net loans and leases to core deposits | 90.9404% | 2,471 |
| Total domestic deposits to total assets | 83.6928% | 2,936 |
| Equity capital to assets | 11.5597% | 2,622 |
| Core capital (leverage) ratio | 9.3369% | 4,338 |
| Tier 1 risk-based capital ratio | 10.9631% | 4,926 |
| Total risk-based capital ratio | 11.3701% | 5,100 |
| Memoranda: | ||
| Average total assets | $1,839,045,500 | 459 |
| Average earning assets | $1,639,292,250 | 470 |
| Average equity | $220,196,500 | 440 |
| Average total loans | $1,317,102,750 | 456 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5161% | 2,968 |
| Cost of funding earning assets | 0.9265% | 2,025 |
| Net interest margin | 3.5896% | 3,290 |
| Noninterest income to average assets | 0.3968% | 3,287 |
| Noninterest expense to average assets | 1.5905% | 5,069 |
| Loan and lease loss provision to assets | 0.6273% | 176 |
| Net operating income to assets | 1.0159% | 2,859 |
| Return on assets (ROA) | 1.0252% | 2,907 |
| Pretax return on assets | 1.3634% | 2,329 |
| Return on Equity (ROE) | 8.4543% | 3,090 |
| Retained earnings to average equity (ytd only) | 4.7697% | 2,881 |
| Net charge-offs to loans | 0.6518% | 234 |
| Credit loss provision to net charge-offs | 132.5779% | 1,640 |
| Earnings coverage of net charge-offs (x) | 4.1825% | 2,756 |
| Efficiency ratio | 43.9542% | 5,064 |
| Assets per employee ($millions) | 18.7614% | 60 |
| Cash dividends to net income (ytd only)* | 43.5825% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 4,964 |
| Loan loss allowance to noncurrent loans | 92.9193% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5060% | 2,521 |
| Noncurrent loans to loans | 0.5807% | 2,518 |
| Net loans and leases to total assets | 73.0617% | 2,047 |
| Net loans and leases to deposits | 87.7984% | 2,029 |
| Net loans and leases to core deposits | 99.2666% | 1,789 |
| Total domestic deposits to total assets | 83.2153% | 3,141 |
| Equity capital to assets | 11.9310% | 2,245 |
| Core capital (leverage) ratio | 9.6024% | 4,035 |
| Tier 1 risk-based capital ratio | 10.6103% | 5,068 |
| Total risk-based capital ratio | 11.0838% | 5,207 |
| Memoranda: | ||
| Average total assets | $1,790,491,330 | 469 |
| Average earning assets | $1,582,553,670 | 486 |
| Average equity | $217,120,000 | 446 |
| Average total loans | $1,299,774,330 | 463 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5153% | 2,811 |
| Cost of funding earning assets | 0.8772% | 2,114 |
| Net interest margin | 3.6381% | 3,113 |
| Noninterest income to average assets | 0.4451% | 2,875 |
| Noninterest expense to average assets | 1.5788% | 5,115 |
| Loan and lease loss provision to assets | 0.2454% | 596 |
| Net operating income to assets | 1.3722% | 1,449 |
| Return on assets (ROA) | 1.3746% | 1,477 |
| Pretax return on assets | 1.8228% | 935 |
| Return on Equity (ROE) | 11.2398% | 1,847 |
| Retained earnings to average equity (ytd only) | 7.5168% | 1,841 |
| Net charge-offs to loans | 0.0950% | 1,184 |
| Credit loss provision to net charge-offs | 358.1395% | 748 |
| Earnings coverage of net charge-offs (x) | 30.1395% | 1,330 |
| Efficiency ratio | 42.7251% | 5,143 |
| Assets per employee ($millions) | 18.1649% | 62 |
| Cash dividends to net income (ytd only)* | 33.1236% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 5,046 |
| Loan loss allowance to noncurrent loans | 54.4708% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7665% | 1,834 |
| Noncurrent loans to loans | 0.9729% | 1,717 |
| Net loans and leases to total assets | 71.3006% | 2,283 |
| Net loans and leases to deposits | 86.0647% | 2,126 |
| Net loans and leases to core deposits | 99.2751% | 1,687 |
| Total domestic deposits to total assets | 82.8453% | 3,442 |
| Equity capital to assets | 12.2403% | 1,883 |
| Core capital (leverage) ratio | 9.7502% | 3,867 |
| Tier 1 risk-based capital ratio | 10.9864% | 4,982 |
| Total risk-based capital ratio | 11.4459% | 5,192 |
| Memoranda: | ||
| Average total assets | $1,757,048,500 | 484 |
| Average earning assets | $1,544,969,000 | 500 |
| Average equity | $214,878,500 | 449 |
| Average total loans | $1,267,465,000 | 473 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2464% | 3,287 |
| Cost of funding earning assets | 0.6241% | 2,558 |
| Net interest margin | 3.6223% | 3,304 |
| Noninterest income to average assets | 0.3022% | 4,080 |
| Noninterest expense to average assets | 1.5261% | 5,209 |
| Loan and lease loss provision to assets | 0.0477% | 3,228 |
| Net operating income to assets | 1.4971% | 1,128 |
| Return on assets (ROA) | 1.4919% | 1,129 |
| Pretax return on assets | 1.9885% | 575 |
| Return on Equity (ROE) | 12.2325% | 1,637 |
| Retained earnings to average equity (ytd only) | 12.2325% | 304 |
| Net charge-offs to loans | 0.0275% | 2,857 |
| Credit loss provision to net charge-offs | 233.6336% | 1,265 |
| Earnings coverage of net charge-offs (x) | 99.9910% | 738 |
| Efficiency ratio | 42.0408% | 5,240 |
| Assets per employee ($millions) | 17.8756% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4757% | 5,146 |
| Loan loss allowance to noncurrent loans | 199.8665% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2516% | 3,587 |
| Noncurrent loans to loans | 0.2380% | 3,727 |
| Net loans and leases to total assets | 72.2584% | 2,217 |
| Net loans and leases to deposits | 85.8183% | 2,295 |
| Net loans and leases to core deposits | 94.9790% | 2,144 |
| Total domestic deposits to total assets | 84.1993% | 2,937 |
| Equity capital to assets | 12.2184% | 1,749 |
| Core capital (leverage) ratio | 9.7667% | 3,844 |
| Tier 1 risk-based capital ratio | 10.8391% | 5,049 |
| Total risk-based capital ratio | 11.2517% | 5,257 |
| Memoranda: | ||
| Average total assets | $1,629,923,000 | 502 |
| Average earning assets | $1,469,957,000 | 512 |
| Average equity | $198,790,200 | 453 |
| Average total loans | $1,210,615,200 | 482 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 3,651 |
| Cost of funding earning assets | 0.5638% | 2,750 |
| Net interest margin | 3.5307% | 3,591 |
| Noninterest income to average assets | 0.2727% | 4,328 |
| Noninterest expense to average assets | 1.4781% | 5,291 |
| Loan and lease loss provision to assets | 0.0519% | 2,947 |
| Net operating income to assets | 1.4544% | 1,315 |
| Return on assets (ROA) | 1.4454% | 1,341 |
| Pretax return on assets | 1.9390% | 753 |
| Return on Equity (ROE) | 11.8571% | 1,847 |
| Retained earnings to average equity (ytd only) | 11.8571% | 499 |
| Net charge-offs to loans | 0.0095% | 3,082 |
| Credit loss provision to net charge-offs | 734.1176% | 516 |
| Earnings coverage of net charge-offs (x) | 283.3777% | 321 |
| Efficiency ratio | 41.7001% | 5,281 |
| Assets per employee ($millions) | 17.8963% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4834% | 5,208 |
| Loan loss allowance to noncurrent loans | 249.8152% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.2236% | 3,826 |
| Noncurrent loans to loans | 0.1935% | 4,016 |
| Net loans and leases to total assets | 73.6531% | 2,049 |
| Net loans and leases to deposits | 91.2749% | 1,722 |
| Net loans and leases to core deposits | 102.1107% | 1,605 |
| Total domestic deposits to total assets | 80.6937% | 3,956 |
| Equity capital to assets | 11.9571% | 1,939 |
| Core capital (leverage) ratio | 9.4130% | 4,263 |
| Tier 1 risk-based capital ratio | 10.4906% | 5,241 |
| Total risk-based capital ratio | 11.4301% | 5,267 |
| Memoranda: | ||
| Average total assets | $1,603,920,500 | 506 |
| Average earning assets | $1,457,190,250 | 511 |
| Average equity | $195,523,000 | 460 |
| Average total loans | $1,198,544,000 | 482 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 3,777 |
| Cost of funding earning assets | 0.5029% | 2,992 |
| Net interest margin | 3.5001% | 3,625 |
| Noninterest income to average assets | 0.2248% | 4,681 |
| Noninterest expense to average assets | 1.4652% | 5,361 |
| Loan and lease loss provision to assets | 0.0552% | 2,801 |
| Net operating income to assets | 1.4074% | 1,412 |
| Return on assets (ROA) | 1.3963% | 1,457 |
| Pretax return on assets | 1.8623% | 860 |
| Return on Equity (ROE) | 11.3759% | 1,964 |
| Retained earnings to average equity (ytd only) | 11.3759% | 608 |
| Net charge-offs to loans | -0.0114% | 4,361 |
| Credit loss provision to net charge-offs | -647.7612% | 4,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3001% | 5,333 |
| Assets per employee ($millions) | 17.1600% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4915% | 5,270 |
| Loan loss allowance to noncurrent loans | 123.6449% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5928% | 2,446 |
| Noncurrent loans to loans | 0.3975% | 3,262 |
| Net loans and leases to total assets | 74.2929% | 1,899 |
| Net loans and leases to deposits | 88.3446% | 2,070 |
| Net loans and leases to core deposits | 104.8677% | 1,324 |
| Total domestic deposits to total assets | 84.0944% | 3,030 |
| Equity capital to assets | 12.0048% | 1,853 |
| Core capital (leverage) ratio | 9.6038% | 3,992 |
| Tier 1 risk-based capital ratio | 10.3009% | 5,342 |
| Total risk-based capital ratio | 11.2625% | 5,369 |
| Memoranda: | ||
| Average total assets | $1,571,843,670 | 517 |
| Average earning assets | $1,424,403,330 | 521 |
| Average equity | $192,934,670 | 460 |
| Average total loans | $1,178,626,330 | 484 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9197% | 3,875 |
| Cost of funding earning assets | 0.4452% | 3,243 |
| Net interest margin | 3.4745% | 3,630 |
| Noninterest income to average assets | 0.2985% | 4,166 |
| Noninterest expense to average assets | 1.4959% | 5,398 |
| Loan and lease loss provision to assets | 0.0649% | 2,474 |
| Net operating income to assets | 1.4128% | 1,311 |
| Return on assets (ROA) | 1.3924% | 1,373 |
| Pretax return on assets | 1.8560% | 809 |
| Return on Equity (ROE) | 11.2114% | 1,880 |
| Retained earnings to average equity (ytd only) | 11.2114% | 844 |
| Net charge-offs to loans | 0.0767% | 1,356 |
| Credit loss provision to net charge-offs | 112.6697% | 1,431 |
| Earnings coverage of net charge-offs (x) | 33.7828% | 1,171 |
| Efficiency ratio | 42.6040% | 5,385 |
| Assets per employee ($millions) | 16.2544% | 71 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4878% | 5,345 |
| Loan loss allowance to noncurrent loans | 264.5774% | 1,801 |
| Noncurrent assets plus other real estate owned to assets | 0.4987% | 2,855 |
| Noncurrent loans to loans | 0.1844% | 4,134 |
| Net loans and leases to total assets | 74.3989% | 1,800 |
| Net loans and leases to deposits | 92.3434% | 1,415 |
| Net loans and leases to core deposits | 102.6870% | 1,466 |
| Total domestic deposits to total assets | 80.5676% | 4,303 |
| Equity capital to assets | 12.5999% | 1,427 |
| Core capital (leverage) ratio | 9.5335% | 4,033 |
| Tier 1 risk-based capital ratio | 10.5327% | 5,342 |
| Total risk-based capital ratio | 11.5204% | 5,349 |
| Memoranda: | ||
| Average total assets | $1,534,085,000 | 535 |
| Average earning assets | $1,388,154,000 | 531 |
| Average equity | $190,521,000 | 466 |
| Average total loans | $1,152,981,000 | 500 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 4,085 |
| Cost of funding earning assets | 0.3834% | 3,402 |
| Net interest margin | 3.4061% | 3,832 |
| Noninterest income to average assets | 0.3786% | 3,767 |
| Noninterest expense to average assets | 1.5886% | 5,423 |
| Loan and lease loss provision to assets | 0.0496% | 3,229 |
| Net operating income to assets | 1.0691% | 1,979 |
| Return on assets (ROA) | 1.0693% | 2,003 |
| Pretax return on assets | 1.7836% | 823 |
| Return on Equity (ROE) | 8.7013% | 2,450 |
| Retained earnings to average equity (ytd only) | 8.7013% | 558 |
| Net charge-offs to loans | 0.0119% | 3,664 |
| Credit loss provision to net charge-offs | 558.2677% | 579 |
| Earnings coverage of net charge-offs (x) | 206.3543% | 386 |
| Efficiency ratio | 45.4610% | 5,410 |
| Assets per employee ($millions) | 16.5619% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4764% | 5,412 |
| Loan loss allowance to noncurrent loans | 213.5593% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5382% | 2,763 |
| Noncurrent loans to loans | 0.2231% | 4,015 |
| Net loans and leases to total assets | 75.1885% | 1,724 |
| Net loans and leases to deposits | 91.9633% | 1,530 |
| Net loans and leases to core deposits | 101.4286% | 1,596 |
| Total domestic deposits to total assets | 81.7592% | 3,925 |
| Equity capital to assets | 12.2399% | 1,682 |
| Core capital (leverage) ratio | 9.3558% | 4,221 |
| Tier 1 risk-based capital ratio | 10.2116% | 5,477 |
| Total risk-based capital ratio | 11.4318% | 5,406 |
| Memoranda: | ||
| Average total assets | $1,429,784,600 | 540 |
| Average earning assets | $1,277,355,800 | 552 |
| Average equity | $175,710,000 | 478 |
| Average total loans | $1,067,071,200 | 504 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7709% | 4,098 |
| Cost of funding earning assets | 0.3683% | 3,480 |
| Net interest margin | 3.4026% | 3,842 |
| Noninterest income to average assets | 0.3795% | 3,813 |
| Noninterest expense to average assets | 1.5726% | 5,474 |
| Loan and lease loss provision to assets | 0.0384% | 3,338 |
| Net operating income to assets | 1.1361% | 1,928 |
| Return on assets (ROA) | 1.1364% | 1,987 |
| Pretax return on assets | 1.8022% | 890 |
| Return on Equity (ROE) | 9.2369% | 2,478 |
| Retained earnings to average equity (ytd only) | 9.2369% | 780 |
| Net charge-offs to loans | 0.0286% | 2,863 |
| Credit loss provision to net charge-offs | 180.3571% | 1,470 |
| Earnings coverage of net charge-offs (x) | 86.3926% | 769 |
| Efficiency ratio | 45.0711% | 5,445 |
| Assets per employee ($millions) | 15.7868% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4715% | 5,504 |
| Loan loss allowance to noncurrent loans | 125.2924% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.5639% | 2,838 |
| Noncurrent loans to loans | 0.3764% | 3,602 |
| Net loans and leases to total assets | 73.9227% | 1,926 |
| Net loans and leases to deposits | 87.9406% | 2,075 |
| Net loans and leases to core deposits | 97.7929% | 1,903 |
| Total domestic deposits to total assets | 84.0598% | 3,103 |
| Equity capital to assets | 12.1945% | 1,841 |
| Core capital (leverage) ratio | 8.8852% | 4,880 |
| Tier 1 risk-based capital ratio | 10.0109% | 5,597 |
| Total risk-based capital ratio | 11.2611% | 5,555 |
| Memoranda: | ||
| Average total assets | $1,402,167,500 | 546 |
| Average earning assets | $1,249,970,250 | 563 |
| Average equity | $172,506,000 | 489 |
| Average total loans | $1,042,929,750 | 518 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6444% | 4,381 |
| Cost of funding earning assets | 0.3362% | 3,733 |
| Net interest margin | 3.3082% | 4,079 |
| Noninterest income to average assets | 0.4646% | 3,259 |
| Noninterest expense to average assets | 1.6094% | 5,489 |
| Loan and lease loss provision to assets | 0.0932% | 2,127 |
| Net operating income to assets | 1.0903% | 2,025 |
| Return on assets (ROA) | 1.0906% | 2,079 |
| Pretax return on assets | 1.7125% | 1,026 |
| Return on Equity (ROE) | 8.8370% | 2,584 |
| Retained earnings to average equity (ytd only) | 8.8370% | 887 |
| Net charge-offs to loans | 0.0140% | 2,971 |
| Credit loss provision to net charge-offs | 893.0556% | 419 |
| Earnings coverage of net charge-offs (x) | 173.0278% | 453 |
| Efficiency ratio | 46.0703% | 5,462 |
| Assets per employee ($millions) | 14.2555% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5180% | 5,496 |
| Loan loss allowance to noncurrent loans | 112.0620% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 2,567 |
| Noncurrent loans to loans | 0.4622% | 3,356 |
| Net loans and leases to total assets | 73.5069% | 1,962 |
| Net loans and leases to deposits | 87.3406% | 2,060 |
| Net loans and leases to core deposits | 96.8645% | 1,900 |
| Total domestic deposits to total assets | 84.1612% | 3,137 |
| Equity capital to assets | 12.0064% | 1,921 |
| Core capital (leverage) ratio | 9.0369% | 4,683 |
| Tier 1 risk-based capital ratio | 9.7518% | 5,674 |
| Total risk-based capital ratio | 11.0559% | 5,639 |
| Memoranda: | ||
| Average total assets | $1,380,167,330 | 554 |
| Average earning assets | $1,230,777,330 | 572 |
| Average equity | $170,329,330 | 494 |
| Average total loans | $1,027,089,330 | 526 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5254% | 4,621 |
| Cost of funding earning assets | 0.3030% | 4,011 |
| Net interest margin | 3.2224% | 4,273 |
| Noninterest income to average assets | 0.3076% | 4,358 |
| Noninterest expense to average assets | 1.6200% | 5,542 |
| Loan and lease loss provision to assets | 0.0247% | 3,253 |
| Net operating income to assets | 0.9982% | 2,313 |
| Return on assets (ROA) | 0.9982% | 2,361 |
| Pretax return on assets | 1.5351% | 1,427 |
| Return on Equity (ROE) | 7.9713% | 2,937 |
| Retained earnings to average equity (ytd only) | 7.9713% | 1,473 |
| Net charge-offs to loans | -0.0411% | 5,087 |
| Credit loss provision to net charge-offs | -80.5825% | 3,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7752% | 5,388 |
| Assets per employee ($millions) | 13.6114% | 117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5122% | 5,588 |
| Loan loss allowance to noncurrent loans | 129.4849% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 0.6326% | 2,739 |
| Noncurrent loans to loans | 0.3956% | 3,681 |
| Net loans and leases to total assets | 75.7802% | 1,447 |
| Net loans and leases to deposits | 90.1616% | 1,515 |
| Net loans and leases to core deposits | 98.0860% | 1,651 |
| Total domestic deposits to total assets | 84.0493% | 3,461 |
| Equity capital to assets | 12.7390% | 1,382 |
| Core capital (leverage) ratio | 9.1278% | 4,569 |
| Tier 1 risk-based capital ratio | 9.9844% | 5,700 |
| Total risk-based capital ratio | 11.5096% | 5,575 |
| Memoranda: | ||
| Average total assets | $1,343,218,000 | 575 |
| Average earning assets | $1,197,257,500 | 592 |
| Average equity | $168,203,500 | 496 |
| Average total loans | $1,003,432,000 | 543 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8093% | 3,874 |
| Cost of funding earning assets | 0.3504% | 3,516 |
| Net interest margin | 3.4590% | 3,588 |
| Noninterest income to average assets | 0.3419% | 4,292 |
| Noninterest expense to average assets | 1.7399% | 5,526 |
| Loan and lease loss provision to assets | 0.0825% | 2,710 |
| Net operating income to assets | 0.9634% | 2,525 |
| Return on assets (ROA) | 0.9698% | 2,595 |
| Pretax return on assets | 1.5381% | 1,467 |
| Return on Equity (ROE) | 7.9606% | 2,957 |
| Retained earnings to average equity (ytd only) | 7.9606% | 869 |
| Net charge-offs to loans | 0.0530% | 2,974 |
| Credit loss provision to net charge-offs | 217.5050% | 1,314 |
| Earnings coverage of net charge-offs (x) | 42.4829% | 1,139 |
| Efficiency ratio | 50.6193% | 5,457 |
| Assets per employee ($millions) | 15.0280% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5081% | 5,651 |
| Loan loss allowance to noncurrent loans | 90.7681% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.7533% | 2,479 |
| Noncurrent loans to loans | 0.5597% | 3,163 |
| Net loans and leases to total assets | 72.8849% | 2,027 |
| Net loans and leases to deposits | 85.5388% | 2,233 |
| Net loans and leases to core deposits | 94.0843% | 2,099 |
| Total domestic deposits to total assets | 85.2068% | 2,953 |
| Equity capital to assets | 12.3088% | 1,626 |
| Core capital (leverage) ratio | 8.7526% | 5,024 |
| Tier 1 risk-based capital ratio | 9.8066% | 5,780 |
| Total risk-based capital ratio | 11.3377% | 5,663 |
| Memoranda: | ||
| Average total assets | $1,310,991,200 | 562 |
| Average earning assets | $1,140,280,400 | 593 |
| Average equity | $159,712,000 | 502 |
| Average total loans | $938,251,400 | 541 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 3,621 |
| Cost of funding earning assets | 0.3568% | 3,467 |
| Net interest margin | 3.5325% | 3,351 |
| Noninterest income to average assets | 0.2930% | 4,670 |
| Noninterest expense to average assets | 1.7723% | 5,546 |
| Loan and lease loss provision to assets | 0.0596% | 3,066 |
| Net operating income to assets | 0.9558% | 2,626 |
| Return on assets (ROA) | 0.9651% | 2,725 |
| Pretax return on assets | 1.5292% | 1,616 |
| Return on Equity (ROE) | 7.9431% | 3,040 |
| Retained earnings to average equity (ytd only) | 7.9431% | 1,198 |
| Net charge-offs to loans | 0.0344% | 2,943 |
| Credit loss provision to net charge-offs | 243.0962% | 1,221 |
| Earnings coverage of net charge-offs (x) | 64.2550% | 906 |
| Efficiency ratio | 51.5791% | 5,410 |
| Assets per employee ($millions) | 14.9820% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4933% | 5,733 |
| Loan loss allowance to noncurrent loans | 83.5811% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 0.7850% | 2,588 |
| Noncurrent loans to loans | 0.5902% | 3,237 |
| Net loans and leases to total assets | 73.1587% | 2,002 |
| Net loans and leases to deposits | 87.8177% | 2,041 |
| Net loans and leases to core deposits | 98.2895% | 1,783 |
| Total domestic deposits to total assets | 83.3075% | 3,477 |
| Equity capital to assets | 12.3380% | 1,872 |
| Core capital (leverage) ratio | 8.5668% | 5,298 |
| Tier 1 risk-based capital ratio | 9.7365% | 5,846 |
| Total risk-based capital ratio | 11.5545% | 5,631 |
| Memoranda: | ||
| Average total assets | $1,300,609,750 | 568 |
| Average earning assets | $1,124,272,250 | 596 |
| Average equity | $158,020,250 | 503 |
| Average total loans | $925,110,750 | 548 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 3,367 |
| Cost of funding earning assets | 0.3561% | 3,498 |
| Net interest margin | 3.6093% | 3,066 |
| Noninterest income to average assets | 0.2884% | 4,720 |
| Noninterest expense to average assets | 1.7997% | 5,597 |
| Loan and lease loss provision to assets | 0.0434% | 3,278 |
| Net operating income to assets | 0.9716% | 2,514 |
| Return on assets (ROA) | 0.9793% | 2,621 |
| Pretax return on assets | 1.5525% | 1,517 |
| Return on Equity (ROE) | 8.1037% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.1037% | 1,143 |
| Net charge-offs to loans | 0.0243% | 2,999 |
| Credit loss provision to net charge-offs | 254.5455% | 1,082 |
| Earnings coverage of net charge-offs (x) | 92.8455% | 618 |
| Efficiency ratio | 51.7050% | 5,459 |
| Assets per employee ($millions) | 14.5292% | 84 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 5,799 |
| Loan loss allowance to noncurrent loans | 96.0327% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7345% | 2,784 |
| Noncurrent loans to loans | 0.5221% | 3,519 |
| Net loans and leases to total assets | 71.2654% | 2,288 |
| Net loans and leases to deposits | 88.1951% | 1,969 |
| Net loans and leases to core deposits | 100.0258% | 1,631 |
| Total domestic deposits to total assets | 80.8043% | 4,331 |
| Equity capital to assets | 12.3239% | 1,891 |
| Core capital (leverage) ratio | 8.5737% | 5,292 |
| Tier 1 risk-based capital ratio | 9.7045% | 5,915 |
| Total risk-based capital ratio | 11.5576% | 5,672 |
| Memoranda: | ||
| Average total assets | $1,289,680,330 | 571 |
| Average earning assets | $1,105,934,330 | 603 |
| Average equity | $155,855,330 | 509 |
| Average total loans | $906,703,330 | 553 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,630 |
| Cost of funding earning assets | 0.3383% | 3,738 |
| Net interest margin | 3.5487% | 3,287 |
| Noninterest income to average assets | 0.3136% | 4,489 |
| Noninterest expense to average assets | 1.7825% | 5,669 |
| Loan and lease loss provision to assets | 0.0159% | 3,481 |
| Net operating income to assets | 1.0006% | 2,273 |
| Return on assets (ROA) | 1.0044% | 2,373 |
| Pretax return on assets | 1.5907% | 1,322 |
| Return on Equity (ROE) | 8.3965% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.3965% | 1,301 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1448% | 5,558 |
| Assets per employee ($millions) | 13.0918% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5088% | 5,857 |
| Loan loss allowance to noncurrent loans | 68.3699% | 4,367 |
| Noncurrent assets plus other real estate owned to assets | 0.9861% | 2,239 |
| Noncurrent loans to loans | 0.7441% | 2,974 |
| Net loans and leases to total assets | 69.7487% | 2,383 |
| Net loans and leases to deposits | 85.0300% | 2,191 |
| Net loans and leases to core deposits | 96.0337% | 1,790 |
| Total domestic deposits to total assets | 82.0284% | 4,215 |
| Equity capital to assets | 12.1708% | 1,907 |
| Core capital (leverage) ratio | 8.2941% | 5,576 |
| Tier 1 risk-based capital ratio | 9.6480% | 5,981 |
| Total risk-based capital ratio | 11.7087% | 5,681 |
| Memoranda: | ||
| Average total assets | $1,280,707,500 | 571 |
| Average earning assets | $1,107,784,500 | 603 |
| Average equity | $153,207,500 | 515 |
| Average total loans | $891,764,500 | 559 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6882% | 4,401 |
| Cost of funding earning assets | 0.3306% | 3,903 |
| Net interest margin | 3.3576% | 4,087 |
| Noninterest income to average assets | 0.3737% | 4,234 |
| Noninterest expense to average assets | 2.1686% | 5,118 |
| Loan and lease loss provision to assets | 0.0627% | 3,044 |
| Net operating income to assets | 0.6755% | 3,925 |
| Return on assets (ROA) | 0.6668% | 4,057 |
| Pretax return on assets | 1.0689% | 3,193 |
| Return on Equity (ROE) | 5.6821% | 4,192 |
| Retained earnings to average equity (ytd only) | 4.8348% | 2,539 |
| Net charge-offs to loans | -0.0267% | 5,357 |
| Credit loss provision to net charge-offs | -330.3665% | 5,361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2810% | 4,202 |
| Assets per employee ($millions) | 13.7465% | 103 |
| Cash dividends to net income (ytd only)* | 14.9120% | 3,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5119% | 5,910 |
| Loan loss allowance to noncurrent loans | 105.7971% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8217% | 2,620 |
| Noncurrent loans to loans | 0.4839% | 3,750 |
| Net loans and leases to total assets | 68.8001% | 2,573 |
| Net loans and leases to deposits | 82.2254% | 2,561 |
| Net loans and leases to core deposits | 91.9624% | 2,230 |
| Total domestic deposits to total assets | 83.6726% | 3,602 |
| Equity capital to assets | 11.7539% | 2,149 |
| Core capital (leverage) ratio | 8.1368% | 5,749 |
| Tier 1 risk-based capital ratio | 9.4458% | 6,054 |
| Total risk-based capital ratio | 11.4534% | 5,824 |
| Memoranda: | ||
| Average total assets | $1,005,640,400 | 686 |
| Average earning assets | $880,572,400 | 721 |
| Average equity | $118,019,000 | 648 |
| Average total loans | $715,517,000 | 647 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5941% | 4,758 |
| Cost of funding earning assets | 0.3307% | 3,983 |
| Net interest margin | 3.2634% | 4,479 |
| Noninterest income to average assets | 0.5055% | 3,326 |
| Noninterest expense to average assets | 2.2209% | 4,991 |
| Loan and lease loss provision to assets | 0.0058% | 4,149 |
| Net operating income to assets | 0.6991% | 3,902 |
| Return on assets (ROA) | 0.6867% | 4,079 |
| Pretax return on assets | 1.1111% | 3,171 |
| Return on Equity (ROE) | 5.8542% | 4,221 |
| Retained earnings to average equity (ytd only) | 4.6417% | 3,174 |
| Net charge-offs to loans | -0.0628% | 5,622 |
| Credit loss provision to net charge-offs | -12.9338% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1881% | 4,031 |
| Assets per employee ($millions) | 10.4928% | 226 |
| Cash dividends to net income (ytd only)* | 20.7125% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4809% | 6,033 |
| Loan loss allowance to noncurrent loans | 101.1955% | 3,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 2,504 |
| Noncurrent loans to loans | 0.4752% | 3,938 |
| Net loans and leases to total assets | 69.6790% | 2,438 |
| Net loans and leases to deposits | 83.3220% | 2,483 |
| Net loans and leases to core deposits | 93.9617% | 2,079 |
| Total domestic deposits to total assets | 83.6261% | 3,561 |
| Equity capital to assets | 12.3271% | 1,855 |
| Core capital (leverage) ratio | 8.7928% | 5,242 |
| Tier 1 risk-based capital ratio | 9.6685% | 6,109 |
| Total risk-based capital ratio | 11.7338% | 5,824 |
| Memoranda: | ||
| Average total assets | $937,445,250 | 738 |
| Average earning assets | $819,172,500 | 769 |
| Average equity | $109,957,750 | 699 |
| Average total loans | $673,376,000 | 696 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2010% | 5,623 |
| Cost of funding earning assets | 0.3328% | 4,017 |
| Net interest margin | 2.8682% | 5,496 |
| Noninterest income to average assets | 0.5391% | 3,116 |
| Noninterest expense to average assets | 1.8978% | 5,713 |
| Loan and lease loss provision to assets | -0.0889% | 6,076 |
| Net operating income to assets | 0.7767% | 3,504 |
| Return on assets (ROA) | 0.7819% | 3,584 |
| Pretax return on assets | 1.2842% | 2,421 |
| Return on Equity (ROE) | 6.8310% | 3,715 |
| Retained earnings to average equity (ytd only) | 4.7698% | 3,010 |
| Net charge-offs to loans | -0.1068% | 5,814 |
| Credit loss provision to net charge-offs | 114.5897% | 1,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9284% | 4,840 |
| Assets per employee ($millions) | 13.3048% | 110 |
| Cash dividends to net income (ytd only)* | 30.1750% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5698% | 6,020 |
| Loan loss allowance to noncurrent loans | 317.8975% | 1,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9905% | 2,548 |
| Noncurrent loans to loans | 0.1793% | 5,058 |
| Net loans and leases to total assets | 73.8259% | 1,689 |
| Net loans and leases to deposits | 88.2061% | 1,808 |
| Net loans and leases to core deposits | 107.4462% | 995 |
| Total domestic deposits to total assets | 83.6971% | 3,694 |
| Equity capital to assets | 11.2551% | 2,612 |
| Core capital (leverage) ratio | 9.1949% | 4,699 |
| Tier 1 risk-based capital ratio | 9.7764% | 6,153 |
| Total risk-based capital ratio | 11.4044% | 5,984 |
| Memoranda: | ||
| Average total assets | $847,703,670 | 823 |
| Average earning assets | $752,458,330 | 852 |
| Average equity | $97,028,000 | 800 |
| Average total loans | $616,215,330 | 770 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2709% | 5,513 |
| Cost of funding earning assets | 0.3453% | 3,923 |
| Net interest margin | 2.9256% | 5,394 |
| Noninterest income to average assets | 0.7269% | 2,036 |
| Noninterest expense to average assets | 2.0268% | 5,530 |
| Loan and lease loss provision to assets | -0.0644% | 6,181 |
| Net operating income to assets | 0.8067% | 3,228 |
| Return on assets (ROA) | 0.8156% | 3,309 |
| Pretax return on assets | 1.3471% | 2,090 |
| Return on Equity (ROE) | 7.0648% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.0648% | 1,984 |
| Net charge-offs to loans | 0.0524% | 2,255 |
| Credit loss provision to net charge-offs | -170.8861% | 4,580 |
| Earnings coverage of net charge-offs (x) | 33.6962% | 1,076 |
| Efficiency ratio | 60.9488% | 4,973 |
| Assets per employee ($millions) | 12.6083% | 131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6775% | 5,945 |
| Loan loss allowance to noncurrent loans | 107.0664% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 1.4614% | 1,801 |
| Noncurrent loans to loans | 0.6328% | 3,693 |
| Net loans and leases to total assets | 71.5558% | 1,885 |
| Net loans and leases to deposits | 83.4985% | 2,145 |
| Net loans and leases to core deposits | 101.8697% | 1,189 |
| Total domestic deposits to total assets | 85.6972% | 3,101 |
| Equity capital to assets | 11.9734% | 2,044 |
| Core capital (leverage) ratio | 8.8617% | 5,125 |
| Tier 1 risk-based capital ratio | 10.5381% | 6,001 |
| Total risk-based capital ratio | 11.4868% | 6,048 |
| Memoranda: | ||
| Average total assets | $839,150,500 | 838 |
| Average earning assets | $736,807,500 | 873 |
| Average equity | $96,874,500 | 799 |
| Average total loans | $603,266,500 | 774 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4461% | 5,437 |
| Cost of funding earning assets | 0.3871% | 3,830 |
| Net interest margin | 3.0590% | 5,298 |
| Noninterest income to average assets | 0.3550% | 4,560 |
| Noninterest expense to average assets | 1.9189% | 5,902 |
| Loan and lease loss provision to assets | -0.0442% | 6,014 |
| Net operating income to assets | 0.7089% | 3,842 |
| Return on assets (ROA) | 0.7115% | 3,940 |
| Pretax return on assets | 1.1324% | 2,956 |
| Return on Equity (ROE) | 6.2612% | 4,019 |
| Retained earnings to average equity (ytd only) | -0.0921% | 5,781 |
| Net charge-offs to loans | 0.4241% | 1,000 |
| Credit loss provision to net charge-offs | -14.5809% | 5,330 |
| Earnings coverage of net charge-offs (x) | 3.5801% | 3,850 |
| Efficiency ratio | 63.0795% | 4,745 |
| Assets per employee ($millions) | 12.8173% | 119 |
| Cash dividends to net income (ytd only)* | 101.4713% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6835% | 6,019 |
| Loan loss allowance to noncurrent loans | 69.2713% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 1.4887% | 1,842 |
| Noncurrent loans to loans | 0.9867% | 2,864 |
| Net loans and leases to total assets | 71.2530% | 2,040 |
| Net loans and leases to deposits | 82.7432% | 2,369 |
| Net loans and leases to core deposits | 101.8562% | 1,258 |
| Total domestic deposits to total assets | 86.1135% | 2,775 |
| Equity capital to assets | 11.1349% | 2,769 |
| Core capital (leverage) ratio | 8.7956% | 5,248 |
| Tier 1 risk-based capital ratio | 10.5547% | 6,076 |
| Total risk-based capital ratio | 11.5609% | 6,117 |
| Memoranda: | ||
| Average total assets | $831,096,200 | 811 |
| Average earning assets | $719,483,400 | 852 |
| Average equity | $94,438,200 | 780 |
| Average total loans | $593,434,800 | 743 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5383% | 5,300 |
| Cost of funding earning assets | 0.3965% | 3,827 |
| Net interest margin | 3.1417% | 5,138 |
| Noninterest income to average assets | 0.2346% | 5,526 |
| Noninterest expense to average assets | 1.8817% | 5,982 |
| Loan and lease loss provision to assets | -0.1116% | 6,296 |
| Net operating income to assets | 0.7335% | 3,761 |
| Return on assets (ROA) | 0.7367% | 3,851 |
| Pretax return on assets | 1.1753% | 2,885 |
| Return on Equity (ROE) | 6.4497% | 4,002 |
| Retained earnings to average equity (ytd only) | -0.6317% | 5,897 |
| Net charge-offs to loans | 0.5412% | 706 |
| Credit loss provision to net charge-offs | -28.9187% | 5,302 |
| Earnings coverage of net charge-offs (x) | 2.7427% | 3,832 |
| Efficiency ratio | 63.0832% | 4,706 |
| Assets per employee ($millions) | 12.4061% | 128 |
| Cash dividends to net income (ytd only)* | 109.7936% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 6,165 |
| Loan loss allowance to noncurrent loans | 55.7393% | 4,928 |
| Noncurrent assets plus other real estate owned to assets | 2.5059% | 1,049 |
| Noncurrent loans to loans | 1.1712% | 2,721 |
| Net loans and leases to total assets | 71.5648% | 1,925 |
| Net loans and leases to deposits | 84.0477% | 2,144 |
| Net loans and leases to core deposits | 111.2072% | 699 |
| Total domestic deposits to total assets | 85.1479% | 3,281 |
| Equity capital to assets | 11.3839% | 2,602 |
| Core capital (leverage) ratio | 8.2249% | 5,903 |
| Tier 1 risk-based capital ratio | 10.7655% | 6,105 |
| Total risk-based capital ratio | 11.8413% | 6,124 |
| Memoranda: | ||
| Average total assets | $824,179,750 | 822 |
| Average earning assets | $709,823,000 | 866 |
| Average equity | $94,142,250 | 782 |
| Average total loans | $587,767,250 | 749 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5532% | 5,280 |
| Cost of funding earning assets | 0.3946% | 3,919 |
| Net interest margin | 3.1586% | 5,068 |
| Noninterest income to average assets | 0.1560% | 6,011 |
| Noninterest expense to average assets | 1.9106% | 5,983 |
| Loan and lease loss provision to assets | -0.0893% | 6,358 |
| Net operating income to assets | 0.6586% | 4,051 |
| Return on assets (ROA) | 0.6614% | 4,136 |
| Pretax return on assets | 1.0489% | 3,284 |
| Return on Equity (ROE) | 5.7841% | 4,282 |
| Retained earnings to average equity (ytd only) | -4.8563% | 6,231 |
| Net charge-offs to loans | 0.8461% | 444 |
| Credit loss provision to net charge-offs | -14.8523% | 5,088 |
| Earnings coverage of net charge-offs (x) | 1.5884% | 3,764 |
| Efficiency ratio | 65.7354% | 4,400 |
| Assets per employee ($millions) | 12.8020% | 108 |
| Cash dividends to net income (ytd only)* | 183.9588% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7114% | 6,154 |
| Loan loss allowance to noncurrent loans | 48.0719% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 3.2916% | 739 |
| Noncurrent loans to loans | 1.4798% | 2,345 |
| Net loans and leases to total assets | 71.4041% | 1,843 |
| Net loans and leases to deposits | 84.3919% | 1,995 |
| Net loans and leases to core deposits | 110.5638% | 675 |
| Total domestic deposits to total assets | 84.6102% | 3,682 |
| Equity capital to assets | 10.8071% | 3,083 |
| Core capital (leverage) ratio | 8.4623% | 5,669 |
| Tier 1 risk-based capital ratio | 10.1070% | 6,366 |
| Total risk-based capital ratio | 11.2177% | 6,365 |
| Memoranda: | ||
| Average total assets | $821,836,330 | 830 |
| Average earning assets | $705,063,670 | 871 |
| Average equity | $93,981,670 | 777 |
| Average total loans | $584,102,000 | 751 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 5,161 |
| Cost of funding earning assets | 0.4006% | 3,962 |
| Net interest margin | 3.2018% | 4,915 |
| Noninterest income to average assets | 0.2164% | 5,621 |
| Noninterest expense to average assets | 2.0341% | 5,817 |
| Loan and lease loss provision to assets | -0.2294% | 6,585 |
| Net operating income to assets | 0.7333% | 3,526 |
| Return on assets (ROA) | 0.7349% | 3,595 |
| Pretax return on assets | 1.1703% | 2,616 |
| Return on Equity (ROE) | 6.2436% | 3,887 |
| Retained earnings to average equity (ytd only) | 6.2436% | 2,411 |
| Net charge-offs to loans | 1.5634% | 202 |
| Credit loss provision to net charge-offs | -20.7751% | 4,701 |
| Earnings coverage of net charge-offs (x) | 0.8499% | 3,252 |
| Efficiency ratio | 67.5092% | 4,269 |
| Assets per employee ($millions) | 12.2397% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8467% | 6,013 |
| Loan loss allowance to noncurrent loans | 66.7077% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 4.0681% | 570 |
| Noncurrent loans to loans | 1.2693% | 2,907 |
| Net loans and leases to total assets | 70.6969% | 1,776 |
| Net loans and leases to deposits | 81.8225% | 2,063 |
| Net loans and leases to core deposits | 105.9493% | 759 |
| Total domestic deposits to total assets | 86.4028% | 3,157 |
| Equity capital to assets | 11.8376% | 1,988 |
| Core capital (leverage) ratio | 9.1071% | 4,861 |
| Tier 1 risk-based capital ratio | 11.4302% | 5,946 |
| Total risk-based capital ratio | 12.2192% | 6,116 |
| Memoranda: | ||
| Average total assets | $803,887,000 | 854 |
| Average earning assets | $691,990,000 | 892 |
| Average equity | $94,624,500 | 773 |
| Average total loans | $567,730,000 | 772 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 5,751 |
| Cost of funding earning assets | 0.4132% | 4,502 |
| Net interest margin | 3.0293% | 5,508 |
| Noninterest income to average assets | 0.4950% | 3,792 |
| Noninterest expense to average assets | 1.7785% | 6,355 |
| Loan and lease loss provision to assets | 0.2671% | 1,321 |
| Net operating income to assets | 0.6697% | 3,942 |
| Return on assets (ROA) | 0.6698% | 4,034 |
| Pretax return on assets | 1.0663% | 3,084 |
| Return on Equity (ROE) | 5.5181% | 4,383 |
| Retained earnings to average equity (ytd only) | 5.5181% | 2,268 |
| Net charge-offs to loans | 1.2845% | 400 |
| Credit loss provision to net charge-offs | 29.5125% | 4,262 |
| Earnings coverage of net charge-offs (x) | 1.4733% | 4,561 |
| Efficiency ratio | 56.1880% | 5,934 |
| Assets per employee ($millions) | 11.5936% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7109% | 2,369 |
| Loan loss allowance to noncurrent loans | 41.1027% | 5,598 |
| Noncurrent assets plus other real estate owned to assets | 6.0792% | 315 |
| Noncurrent loans to loans | 4.1624% | 675 |
| Net loans and leases to total assets | 68.7424% | 2,218 |
| Net loans and leases to deposits | 83.5488% | 1,987 |
| Net loans and leases to core deposits | 99.9295% | 1,165 |
| Total domestic deposits to total assets | 82.2781% | 4,774 |
| Equity capital to assets | 11.7035% | 2,030 |
| Core capital (leverage) ratio | 9.2978% | 4,552 |
| Tier 1 risk-based capital ratio | 11.7481% | 5,778 |
| Total risk-based capital ratio | 13.0028% | 5,701 |
| Memoranda: | ||
| Average total assets | $761,593,400 | 878 |
| Average earning assets | $657,868,800 | 916 |
| Average equity | $92,441,600 | 759 |
| Average total loans | $536,553,200 | 784 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 5,725 |
| Cost of funding earning assets | 0.4194% | 4,626 |
| Net interest margin | 3.0648% | 5,416 |
| Noninterest income to average assets | 0.5581% | 3,405 |
| Noninterest expense to average assets | 1.8432% | 6,276 |
| Loan and lease loss provision to assets | 0.3174% | 1,061 |
| Net operating income to assets | 0.6545% | 4,098 |
| Return on assets (ROA) | 0.6546% | 4,229 |
| Pretax return on assets | 1.0397% | 3,343 |
| Return on Equity (ROE) | 5.3421% | 4,540 |
| Retained earnings to average equity (ytd only) | 5.3421% | 2,839 |
| Net charge-offs to loans | 0.7553% | 793 |
| Credit loss provision to net charge-offs | 59.5278% | 3,313 |
| Earnings coverage of net charge-offs (x) | 2.5451% | 3,984 |
| Efficiency ratio | 56.6458% | 5,841 |
| Assets per employee ($millions) | 11.1918% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 1,227 |
| Loan loss allowance to noncurrent loans | 34.4859% | 5,829 |
| Noncurrent assets plus other real estate owned to assets | 7.4632% | 260 |
| Noncurrent loans to loans | 6.5789% | 341 |
| Net loans and leases to total assets | 70.6223% | 1,848 |
| Net loans and leases to deposits | 82.1784% | 2,118 |
| Net loans and leases to core deposits | 97.4815% | 1,275 |
| Total domestic deposits to total assets | 85.9377% | 3,298 |
| Equity capital to assets | 12.2348% | 1,756 |
| Core capital (leverage) ratio | 9.7297% | 4,062 |
| Tier 1 risk-based capital ratio | 12.1914% | 5,655 |
| Total risk-based capital ratio | 13.4536% | 5,582 |
| Memoranda: | ||
| Average total assets | $752,003,000 | 895 |
| Average earning assets | $648,250,250 | 938 |
| Average equity | $92,146,250 | 764 |
| Average total loans | $530,821,500 | 794 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5439% | 5,598 |
| Cost of funding earning assets | 0.4373% | 4,579 |
| Net interest margin | 3.1067% | 5,254 |
| Noninterest income to average assets | 0.3122% | 5,209 |
| Noninterest expense to average assets | 1.7787% | 6,407 |
| Loan and lease loss provision to assets | 0.4307% | 694 |
| Net operating income to assets | 0.4913% | 4,836 |
| Return on assets (ROA) | 0.4913% | 5,014 |
| Pretax return on assets | 0.7757% | 4,406 |
| Return on Equity (ROE) | 4.0077% | 5,215 |
| Retained earnings to average equity (ytd only) | 4.0077% | 3,746 |
| Net charge-offs to loans | 0.5484% | 1,202 |
| Credit loss provision to net charge-offs | 112.1697% | 1,979 |
| Earnings coverage of net charge-offs (x) | 3.1419% | 3,480 |
| Efficiency ratio | 58.5562% | 5,661 |
| Assets per employee ($millions) | 10.6769% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5523% | 929 |
| Loan loss allowance to noncurrent loans | 77.5204% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 5.8795% | 470 |
| Noncurrent loans to loans | 3.2925% | 1,327 |
| Net loans and leases to total assets | 69.5093% | 1,972 |
| Net loans and leases to deposits | 82.9033% | 1,941 |
| Net loans and leases to core deposits | 96.4981% | 1,308 |
| Total domestic deposits to total assets | 83.8439% | 4,385 |
| Equity capital to assets | 12.5819% | 1,527 |
| Core capital (leverage) ratio | 9.4081% | 4,380 |
| Tier 1 risk-based capital ratio | 12.7567% | 5,322 |
| Total risk-based capital ratio | 14.0151% | 5,250 |
| Memoranda: | ||
| Average total assets | $748,990,000 | 897 |
| Average earning assets | $644,423,000 | 944 |
| Average equity | $91,824,330 | 772 |
| Average total loans | $524,448,000 | 801 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 5,557 |
| Cost of funding earning assets | 0.4520% | 4,575 |
| Net interest margin | 3.1089% | 5,228 |
| Noninterest income to average assets | 0.3987% | 4,466 |
| Noninterest expense to average assets | 1.8988% | 6,277 |
| Loan and lease loss provision to assets | 0.3824% | 832 |
| Net operating income to assets | 0.5050% | 4,631 |
| Return on assets (ROA) | 0.5050% | 4,777 |
| Pretax return on assets | 0.7985% | 4,175 |
| Return on Equity (ROE) | 4.1711% | 5,006 |
| Retained earnings to average equity (ytd only) | 4.1711% | 3,718 |
| Net charge-offs to loans | 0.3441% | 1,614 |
| Credit loss provision to net charge-offs | 160.1322% | 1,298 |
| Earnings coverage of net charge-offs (x) | 4.9449% | 2,441 |
| Efficiency ratio | 60.6832% | 5,491 |
| Assets per employee ($millions) | 10.6065% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 2,041 |
| Loan loss allowance to noncurrent loans | 49.6955% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 5.7912% | 570 |
| Noncurrent loans to loans | 4.0272% | 1,118 |
| Net loans and leases to total assets | 71.0305% | 1,513 |
| Net loans and leases to deposits | 84.5088% | 1,531 |
| Net loans and leases to core deposits | 99.0575% | 1,000 |
| Total domestic deposits to total assets | 84.0511% | 4,456 |
| Equity capital to assets | 12.4547% | 1,740 |
| Core capital (leverage) ratio | 8.8754% | 5,088 |
| Tier 1 risk-based capital ratio | 12.0772% | 5,868 |
| Total risk-based capital ratio | 13.3362% | 5,811 |
| Memoranda: | ||
| Average total assets | $760,470,500 | 893 |
| Average earning assets | $655,799,500 | 926 |
| Average equity | $92,062,500 | 776 |
| Average total loans | $527,734,000 | 795 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 3,933 |
| Cost of funding earning assets | 0.5993% | 4,361 |
| Net interest margin | 3.7729% | 3,347 |
| Noninterest income to average assets | 0.2539% | 5,647 |
| Noninterest expense to average assets | 2.1866% | 5,951 |
| Loan and lease loss provision to assets | 0.4964% | 1,207 |
| Net operating income to assets | 0.5133% | 4,629 |
| Return on assets (ROA) | 0.5176% | 4,880 |
| Pretax return on assets | 0.7767% | 4,381 |
| Return on Equity (ROE) | 4.4990% | 4,931 |
| Retained earnings to average equity (ytd only) | 4.4990% | 3,067 |
| Net charge-offs to loans | 2.7240% | 209 |
| Credit loss provision to net charge-offs | 25.2048% | 5,199 |
| Earnings coverage of net charge-offs (x) | 0.6432% | 5,164 |
| Efficiency ratio | 62.3714% | 5,187 |
| Assets per employee ($millions) | 10.2432% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 2,726 |
| Loan loss allowance to noncurrent loans | 51.5899% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 5.4474% | 687 |
| Noncurrent loans to loans | 3.4104% | 1,475 |
| Net loans and leases to total assets | 65.2839% | 2,652 |
| Net loans and leases to deposits | 76.9198% | 2,669 |
| Net loans and leases to core deposits | 92.2238% | 1,619 |
| Total domestic deposits to total assets | 84.8726% | 3,917 |
| Equity capital to assets | 11.7734% | 2,203 |
| Core capital (leverage) ratio | 8.9090% | 5,032 |
| Tier 1 risk-based capital ratio | 12.2992% | 5,602 |
| Total risk-based capital ratio | 13.5553% | 5,548 |
| Memoranda: | ||
| Average total assets | $737,567,000 | 902 |
| Average earning assets | $625,428,000 | 960 |
| Average equity | $84,862,400 | 828 |
| Average total loans | $533,220,200 | 772 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5779% | 3,291 |
| Cost of funding earning assets | 0.6300% | 4,367 |
| Net interest margin | 3.9479% | 2,712 |
| Noninterest income to average assets | 0.3265% | 5,181 |
| Noninterest expense to average assets | 2.1547% | 6,052 |
| Loan and lease loss provision to assets | 0.6867% | 747 |
| Net operating income to assets | 0.5141% | 4,789 |
| Return on assets (ROA) | 0.5197% | 5,027 |
| Pretax return on assets | 0.8310% | 4,378 |
| Return on Equity (ROE) | 4.5451% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.5451% | 3,700 |
| Net charge-offs to loans | 3.2787% | 153 |
| Credit loss provision to net charge-offs | 28.3573% | 4,823 |
| Earnings coverage of net charge-offs (x) | 0.6231% | 5,008 |
| Efficiency ratio | 57.9034% | 5,805 |
| Assets per employee ($millions) | 9.7732% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4748% | 1,240 |
| Loan loss allowance to noncurrent loans | 52.1359% | 5,022 |
| Noncurrent assets plus other real estate owned to assets | 5.3654% | 803 |
| Noncurrent loans to loans | 4.7469% | 981 |
| Net loans and leases to total assets | 72.7022% | 1,435 |
| Net loans and leases to deposits | 86.9177% | 1,493 |
| Net loans and leases to core deposits | 106.9809% | 690 |
| Total domestic deposits to total assets | 83.6449% | 4,375 |
| Equity capital to assets | 12.3637% | 1,987 |
| Core capital (leverage) ratio | 8.8503% | 5,265 |
| Tier 1 risk-based capital ratio | 12.0352% | 5,922 |
| Total risk-based capital ratio | 13.3005% | 5,895 |
| Memoranda: | ||
| Average total assets | $727,338,000 | 916 |
| Average earning assets | $614,791,750 | 986 |
| Average equity | $83,164,500 | 845 |
| Average total loans | $537,193,750 | 776 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 3,121 |
| Cost of funding earning assets | 0.6657% | 4,313 |
| Net interest margin | 3.9884% | 2,555 |
| Noninterest income to average assets | 0.4133% | 4,554 |
| Noninterest expense to average assets | 2.2063% | 5,990 |
| Loan and lease loss provision to assets | 0.9180% | 506 |
| Net operating income to assets | 0.4059% | 5,194 |
| Return on assets (ROA) | 0.4138% | 5,397 |
| Pretax return on assets | 0.6561% | 4,956 |
| Return on Equity (ROE) | 3.7210% | 5,394 |
| Retained earnings to average equity (ytd only) | 3.7210% | 4,120 |
| Net charge-offs to loans | 4.0909% | 104 |
| Credit loss provision to net charge-offs | 30.4805% | 4,434 |
| Earnings coverage of net charge-offs (x) | 0.5185% | 4,811 |
| Efficiency ratio | 57.6675% | 5,909 |
| Assets per employee ($millions) | 9.8867% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4798% | 1,312 |
| Loan loss allowance to noncurrent loans | 30.3448% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 7.7127% | 465 |
| Noncurrent loans to loans | 8.1722% | 413 |
| Net loans and leases to total assets | 72.8062% | 1,425 |
| Net loans and leases to deposits | 85.6478% | 1,645 |
| Net loans and leases to core deposits | 104.9245% | 797 |
| Total domestic deposits to total assets | 85.0065% | 3,857 |
| Equity capital to assets | 11.1617% | 2,935 |
| Core capital (leverage) ratio | 7.7313% | 6,498 |
| Tier 1 risk-based capital ratio | 10.3407% | 6,746 |
| Total risk-based capital ratio | 11.6071% | 6,725 |
| Memoranda: | ||
| Average total assets | $725,453,000 | 921 |
| Average earning assets | $610,215,330 | 989 |
| Average equity | $80,677,670 | 860 |
| Average total loans | $534,116,670 | 778 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7167% | 2,991 |
| Cost of funding earning assets | 0.7254% | 4,074 |
| Net interest margin | 3.9912% | 2,546 |
| Noninterest income to average assets | 0.3760% | 4,849 |
| Noninterest expense to average assets | 2.3456% | 5,644 |
| Loan and lease loss provision to assets | 1.0466% | 389 |
| Net operating income to assets | 0.2101% | 5,953 |
| Return on assets (ROA) | 0.2104% | 6,099 |
| Pretax return on assets | 0.3173% | 5,939 |
| Return on Equity (ROE) | 1.8956% | 6,104 |
| Retained earnings to average equity (ytd only) | 1.8956% | 5,301 |
| Net charge-offs to loans | 4.2365% | 133 |
| Credit loss provision to net charge-offs | 33.7922% | 3,557 |
| Earnings coverage of net charge-offs (x) | 0.4402% | 4,127 |
| Efficiency ratio | 62.3320% | 5,209 |
| Assets per employee ($millions) | 10.5778% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5080% | 1,344 |
| Loan loss allowance to noncurrent loans | 24.5942% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 9.2616% | 366 |
| Noncurrent loans to loans | 10.1974% | 294 |
| Net loans and leases to total assets | 71.4219% | 1,497 |
| Net loans and leases to deposits | 84.0962% | 1,654 |
| Net loans and leases to core deposits | 100.6151% | 952 |
| Total domestic deposits to total assets | 84.9287% | 4,079 |
| Equity capital to assets | 11.0180% | 2,887 |
| Core capital (leverage) ratio | 7.6865% | 6,498 |
| Tier 1 risk-based capital ratio | 10.4999% | 6,736 |
| Total risk-based capital ratio | 11.7670% | 6,723 |
| Memoranda: | ||
| Average total assets | $722,372,000 | 928 |
| Average earning assets | $603,222,500 | 997 |
| Average equity | $80,186,000 | 864 |
| Average total loans | $528,072,000 | 790 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4449% | 1,314 |
| Cost of funding earning assets | 0.8449% | 4,507 |
| Net interest margin | 4.6000% | 925 |
| Noninterest income to average assets | 0.2485% | 5,754 |
| Noninterest expense to average assets | 2.3379% | 5,950 |
| Loan and lease loss provision to assets | 0.8587% | 1,131 |
| Net operating income to assets | 0.4818% | 4,500 |
| Return on assets (ROA) | 0.4862% | 4,692 |
| Pretax return on assets | 0.8158% | 3,925 |
| Return on Equity (ROE) | 4.2947% | 4,722 |
| Retained earnings to average equity (ytd only) | -11.9448% | 6,767 |
| Net charge-offs to loans | 1.4052% | 1,160 |
| Credit loss provision to net charge-offs | 86.8297% | 4,158 |
| Earnings coverage of net charge-offs (x) | 1.6864% | 4,507 |
| Efficiency ratio | 57.4722% | 6,120 |
| Assets per employee ($millions) | 10.0687% | 229 |
| Cash dividends to net income (ytd only)* | 378.1268% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5377% | 1,267 |
| Loan loss allowance to noncurrent loans | 21.9569% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 10.7041% | 282 |
| Noncurrent loans to loans | 11.5578% | 240 |
| Net loans and leases to total assets | 71.0914% | 1,806 |
| Net loans and leases to deposits | 84.5575% | 1,851 |
| Net loans and leases to core deposits | 96.1320% | 1,481 |
| Total domestic deposits to total assets | 84.0746% | 4,291 |
| Equity capital to assets | 11.1844% | 2,813 |
| Core capital (leverage) ratio | 7.6781% | 6,549 |
| Tier 1 risk-based capital ratio | 10.6781% | 6,616 |
| Total risk-based capital ratio | 11.9401% | 6,579 |
| Memoranda: | ||
| Average total assets | $707,135,600 | 922 |
| Average earning assets | $577,567,600 | 1,025 |
| Average equity | $80,051,600 | 839 |
| Average total loans | $497,663,800 | 841 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5528% | 1,136 |
| Cost of funding earning assets | 0.8423% | 4,828 |
| Net interest margin | 4.7106% | 746 |
| Noninterest income to average assets | 0.2464% | 5,859 |
| Noninterest expense to average assets | 2.3454% | 5,917 |
| Loan and lease loss provision to assets | 0.9051% | 987 |
| Net operating income to assets | 0.4977% | 4,563 |
| Return on assets (ROA) | 0.5016% | 4,727 |
| Pretax return on assets | 0.8551% | 3,931 |
| Return on Equity (ROE) | 4.4174% | 4,808 |
| Retained earnings to average equity (ytd only) | -17.2283% | 7,036 |
| Net charge-offs to loans | 0.6933% | 2,182 |
| Credit loss provision to net charge-offs | 187.2116% | 1,568 |
| Earnings coverage of net charge-offs (x) | 3.6285% | 3,361 |
| Efficiency ratio | 56.3391% | 6,236 |
| Assets per employee ($millions) | 9.2033% | 313 |
| Cash dividends to net income (ytd only)* | 490.0120% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2096% | 1,838 |
| Loan loss allowance to noncurrent loans | 18.4145% | 6,728 |
| Noncurrent assets plus other real estate owned to assets | 10.6597% | 316 |
| Noncurrent loans to loans | 11.9991% | 238 |
| Net loans and leases to total assets | 69.7786% | 2,121 |
| Net loans and leases to deposits | 82.3600% | 2,288 |
| Net loans and leases to core deposits | 94.0989% | 1,784 |
| Total domestic deposits to total assets | 84.7238% | 3,898 |
| Equity capital to assets | 11.1917% | 2,966 |
| Core capital (leverage) ratio | 7.7963% | 6,564 |
| Tier 1 risk-based capital ratio | 11.1870% | 6,438 |
| Total risk-based capital ratio | 12.4514% | 6,410 |
| Memoranda: | ||
| Average total assets | $705,200,000 | 931 |
| Average earning assets | $576,845,250 | 1,031 |
| Average equity | $80,075,750 | 843 |
| Average total loans | $491,717,250 | 865 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 1,003 |
| Cost of funding earning assets | 0.8808% | 4,822 |
| Net interest margin | 4.7551% | 651 |
| Noninterest income to average assets | 0.2028% | 6,217 |
| Noninterest expense to average assets | 2.5101% | 5,494 |
| Loan and lease loss provision to assets | 0.8363% | 1,085 |
| Net operating income to assets | 0.4206% | 4,853 |
| Return on assets (ROA) | 0.4250% | 4,985 |
| Pretax return on assets | 0.7570% | 4,185 |
| Return on Equity (ROE) | 3.7246% | 5,052 |
| Retained earnings to average equity (ytd only) | -28.6415% | 7,220 |
| Net charge-offs to loans | 0.7075% | 2,097 |
| Credit loss provision to net charge-offs | 170.8648% | 1,769 |
| Earnings coverage of net charge-offs (x) | 3.2414% | 3,250 |
| Efficiency ratio | 60.3980% | 5,815 |
| Assets per employee ($millions) | 8.0874% | 440 |
| Cash dividends to net income (ytd only)* | 868.9840% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 3,326 |
| Loan loss allowance to noncurrent loans | 13.0705% | 6,902 |
| Noncurrent assets plus other real estate owned to assets | 11.6745% | 276 |
| Noncurrent loans to loans | 13.0112% | 206 |
| Net loans and leases to total assets | 70.1016% | 2,201 |
| Net loans and leases to deposits | 82.6063% | 2,354 |
| Net loans and leases to core deposits | 93.7156% | 1,933 |
| Total domestic deposits to total assets | 84.8623% | 3,938 |
| Equity capital to assets | 11.4895% | 2,511 |
| Core capital (leverage) ratio | 7.6797% | 6,606 |
| Tier 1 risk-based capital ratio | 11.5117% | 6,161 |
| Total risk-based capital ratio | 12.7695% | 6,139 |
| Memoranda: | ||
| Average total assets | $704,049,000 | 941 |
| Average earning assets | $576,521,670 | 1,040 |
| Average equity | $80,331,000 | 836 |
| Average total loans | $487,069,330 | 886 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4659% | 1,387 |
| Cost of funding earning assets | 0.9462% | 4,599 |
| Net interest margin | 4.5198% | 1,028 |
| Noninterest income to average assets | 0.2607% | 5,800 |
| Noninterest expense to average assets | 2.4712% | 5,663 |
| Loan and lease loss provision to assets | 0.8297% | 1,002 |
| Net operating income to assets | 0.3082% | 5,370 |
| Return on assets (ROA) | 0.3082% | 5,441 |
| Pretax return on assets | 0.6644% | 4,440 |
| Return on Equity (ROE) | 2.7102% | 5,513 |
| Retained earnings to average equity (ytd only) | -61.1170% | 7,431 |
| Net charge-offs to loans | 0.5914% | 2,017 |
| Credit loss provision to net charge-offs | 205.8172% | 1,445 |
| Earnings coverage of net charge-offs (x) | 3.7064% | 2,662 |
| Efficiency ratio | 61.4334% | 5,772 |
| Assets per employee ($millions) | 8.8285% | 342 |
| Cash dividends to net income (ytd only)* | 2,355.0725% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5172% | 4,124 |
| Loan loss allowance to noncurrent loans | 12.5320% | 6,971 |
| Noncurrent assets plus other real estate owned to assets | 11.5090% | 299 |
| Noncurrent loans to loans | 12.1068% | 268 |
| Net loans and leases to total assets | 67.8083% | 2,592 |
| Net loans and leases to deposits | 80.5423% | 2,605 |
| Net loans and leases to core deposits | 93.1717% | 1,992 |
| Total domestic deposits to total assets | 84.1896% | 4,413 |
| Equity capital to assets | 11.0058% | 2,682 |
| Core capital (leverage) ratio | 7.1076% | 6,955 |
| Tier 1 risk-based capital ratio | 11.1583% | 6,387 |
| Total risk-based capital ratio | 12.4131% | 6,351 |
| Memoranda: | ||
| Average total assets | $716,402,000 | 931 |
| Average earning assets | $587,200,500 | 1,025 |
| Average equity | $81,470,000 | 816 |
| Average total loans | $488,369,500 | 898 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 6,740 |
| Cost of funding earning assets | 1.0292% | 5,537 |
| Net interest margin | 3.2969% | 5,990 |
| Noninterest income to average assets | 3.7666% | 177 |
| Noninterest expense to average assets | 1.7343% | 7,321 |
| Loan and lease loss provision to assets | 0.6494% | 2,540 |
| Net operating income to assets | 2.5449% | 110 |
| Return on assets (ROA) | 2.5929% | 109 |
| Pretax return on assets | 4.1969% | 68 |
| Return on Equity (ROE) | 23.7126% | 124 |
| Retained earnings to average equity (ytd only) | 23.7126% | 30 |
| Net charge-offs to loans | 0.6868% | 2,948 |
| Credit loss provision to net charge-offs | 149.3827% | 2,431 |
| Earnings coverage of net charge-offs (x) | 10.9750% | 1,651 |
| Efficiency ratio | 26.0425% | 7,602 |
| Assets per employee ($millions) | 10.6573% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 6,488 |
| Loan loss allowance to noncurrent loans | 7.9356% | 7,104 |
| Noncurrent assets plus other real estate owned to assets | 11.1507% | 336 |
| Noncurrent loans to loans | 12.2278% | 275 |
| Net loans and leases to total assets | 66.8666% | 3,255 |
| Net loans and leases to deposits | 80.0769% | 3,161 |
| Net loans and leases to core deposits | 90.2468% | 2,730 |
| Total domestic deposits to total assets | 83.5030% | 4,604 |
| Equity capital to assets | 11.7196% | 2,110 |
| Core capital (leverage) ratio | 8.1242% | 5,961 |
| Tier 1 risk-based capital ratio | 12.7508% | 4,819 |
| Total risk-based capital ratio | 13.7959% | 4,972 |
| Memoranda: | ||
| Average total assets | $652,096,800 | 1,024 |
| Average earning assets | $541,758,000 | 1,119 |
| Average equity | $71,304,000 | 947 |
| Average total loans | $412,789,400 | 1,087 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2576% | 7,023 |
| Cost of funding earning assets | 1.0506% | 5,697 |
| Net interest margin | 3.2070% | 6,319 |
| Noninterest income to average assets | 5.0928% | 134 |
| Noninterest expense to average assets | 1.6890% | 7,445 |
| Loan and lease loss provision to assets | 0.7016% | 2,186 |
| Net operating income to assets | 3.3174% | 63 |
| Return on assets (ROA) | 3.3738% | 65 |
| Pretax return on assets | 5.4717% | 45 |
| Return on Equity (ROE) | 31.5131% | 42 |
| Retained earnings to average equity (ytd only) | 31.5131% | 17 |
| Net charge-offs to loans | 0.7965% | 2,455 |
| Credit loss provision to net charge-offs | 141.9052% | 2,786 |
| Earnings coverage of net charge-offs (x) | 12.3075% | 1,699 |
| Efficiency ratio | 21.2095% | 7,725 |
| Assets per employee ($millions) | 13.4599% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9125% | 6,703 |
| Loan loss allowance to noncurrent loans | 5.9884% | 7,227 |
| Noncurrent assets plus other real estate owned to assets | 11.0196% | 327 |
| Noncurrent loans to loans | 15.2373% | 158 |
| Net loans and leases to total assets | 62.2642% | 4,471 |
| Net loans and leases to deposits | 73.0841% | 4,674 |
| Net loans and leases to core deposits | 79.5935% | 4,575 |
| Total domestic deposits to total assets | 85.1953% | 3,518 |
| Equity capital to assets | 11.1829% | 2,786 |
| Core capital (leverage) ratio | 7.6107% | 6,756 |
| Tier 1 risk-based capital ratio | 13.4032% | 4,267 |
| Total risk-based capital ratio | 14.3936% | 4,447 |
| Memoranda: | ||
| Average total assets | $631,283,000 | 1,066 |
| Average earning assets | $527,828,750 | 1,170 |
| Average equity | $67,585,000 | 990 |
| Average total loans | $391,856,000 | 1,161 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 7,117 |
| Cost of funding earning assets | 1.0441% | 5,950 |
| Net interest margin | 3.2036% | 6,308 |
| Noninterest income to average assets | 7.9690% | 85 |
| Noninterest expense to average assets | 1.7212% | 7,487 |
| Loan and lease loss provision to assets | 0.4621% | 3,006 |
| Net operating income to assets | 5.2555% | 33 |
| Return on assets (ROA) | 5.2555% | 32 |
| Pretax return on assets | 8.5263% | 28 |
| Return on Equity (ROE) | 50.0631% | 16 |
| Retained earnings to average equity (ytd only) | 50.0631% | 10 |
| Net charge-offs to loans | 0.6955% | 2,475 |
| Credit loss provision to net charge-offs | 107.6312% | 3,788 |
| Earnings coverage of net charge-offs (x) | 20.9340% | 1,190 |
| Efficiency ratio | 15.6861% | 7,802 |
| Assets per employee ($millions) | 15.0414% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7469% | 7,159 |
| Loan loss allowance to noncurrent loans | 2.5738% | 7,323 |
| Noncurrent assets plus other real estate owned to assets | 17.3588% | 91 |
| Noncurrent loans to loans | 29.0193% | 23 |
| Net loans and leases to total assets | 55.4545% | 5,790 |
| Net loans and leases to deposits | 63.5611% | 6,080 |
| Net loans and leases to core deposits | 66.3721% | 6,213 |
| Total domestic deposits to total assets | 87.2459% | 2,407 |
| Equity capital to assets | 8.5643% | 6,079 |
| Core capital (leverage) ratio | 6.3547% | 7,417 |
| Tier 1 risk-based capital ratio | 11.9606% | 5,345 |
| Total risk-based capital ratio | 14.9912% | 3,873 |
| Memoranda: | ||
| Average total assets | $585,972,000 | 1,159 |
| Average earning assets | $501,305,330 | 1,251 |
| Average equity | $61,514,330 | 1,079 |
| Average total loans | $361,774,670 | 1,266 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 7,073 |
| Cost of funding earning assets | 1.2999% | 4,813 |
| Net interest margin | 3.0445% | 6,731 |
| Noninterest income to average assets | 0.0647% | 7,397 |
| Noninterest expense to average assets | 1.9371% | 7,271 |
| Loan and lease loss provision to assets | 0.7671% | 1,652 |
| Net operating income to assets | 0.0585% | 6,135 |
| Return on assets (ROA) | 0.0585% | 6,244 |
| Pretax return on assets | 0.0699% | 6,205 |
| Return on Equity (ROE) | 0.4769% | 6,276 |
| Retained earnings to average equity (ytd only) | 0.4769% | 5,643 |
| Net charge-offs to loans | 0.8655% | 1,815 |
| Credit loss provision to net charge-offs | 132.0301% | 2,674 |
| Earnings coverage of net charge-offs (x) | 1.4406% | 3,881 |
| Efficiency ratio | 68.1890% | 4,688 |
| Assets per employee ($millions) | 11.1573% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 5,794 |
| Loan loss allowance to noncurrent loans | 65.2650% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 1.5388% | 4,196 |
| Noncurrent loans to loans | 1.7576% | 4,112 |
| Net loans and leases to total assets | 66.7920% | 3,679 |
| Net loans and leases to deposits | 80.4481% | 3,564 |
| Net loans and leases to core deposits | 99.0675% | 2,228 |
| Total domestic deposits to total assets | 83.0250% | 4,614 |
| Equity capital to assets | 12.0212% | 2,032 |
| Core capital (leverage) ratio | 7.2829% | 7,046 |
| Tier 1 risk-based capital ratio | 8.9344% | 7,492 |
| Total risk-based capital ratio | 12.3340% | 6,050 |
| Memoranda: | ||
| Average total assets | $457,799,000 | 1,536 |
| Average earning assets | $407,423,000 | 1,559 |
| Average equity | $56,202,000 | 1,180 |
| Average total loans | $307,353,000 | 1,534 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 6,137 |
| Cost of funding earning assets | 1.8646% | 3,652 |
| Net interest margin | 3.2225% | 6,019 |
| Noninterest income to average assets | 0.1787% | 6,805 |
| Noninterest expense to average assets | 2.1130% | 7,155 |
| Loan and lease loss provision to assets | 0.9031% | 2,489 |
| Net operating income to assets | -0.0252% | 5,540 |
| Return on assets (ROA) | 0.0009% | 5,537 |
| Pretax return on assets | -0.0033% | 5,447 |
| Return on Equity (ROE) | 0.0076% | 5,539 |
| Retained earnings to average equity (ytd only) | 0.0076% | 4,907 |
| Net charge-offs to loans | 1.0523% | 2,306 |
| Credit loss provision to net charge-offs | 125.1219% | 4,184 |
| Earnings coverage of net charge-offs (x) | 1.1901% | 4,931 |
| Efficiency ratio | 69.1239% | 4,800 |
| Assets per employee ($millions) | 10.6426% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 5,654 |
| Loan loss allowance to noncurrent loans | 66.0100% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 1.5264% | 4,090 |
| Noncurrent loans to loans | 1.7371% | 4,029 |
| Net loans and leases to total assets | 65.9217% | 4,167 |
| Net loans and leases to deposits | 79.5733% | 4,077 |
| Net loans and leases to core deposits | 101.4421% | 3,855 |
| Total domestic deposits to total assets | 82.8439% | 4,584 |
| Equity capital to assets | 12.5443% | 1,728 |
| Core capital (leverage) ratio | 7.2093% | 7,061 |
| Tier 1 risk-based capital ratio | 9.2971% | 7,333 |
| Total risk-based capital ratio | 12.7218% | 5,388 |
| Memoranda: | ||
| Average total assets | $426,321,600 | 1,625 |
| Average earning assets | $369,523,400 | 1,708 |
| Average equity | $52,605,600 | 1,257 |
| Average total loans | $292,402,400 | 1,637 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0712% | 6,374 |
| Cost of funding earning assets | 1.9576% | 3,582 |
| Net interest margin | 3.1137% | 6,272 |
| Noninterest income to average assets | 0.2036% | 6,766 |
| Noninterest expense to average assets | 1.9527% | 7,463 |
| Loan and lease loss provision to assets | 1.0662% | 1,822 |
| Net operating income to assets | -0.0815% | 5,860 |
| Return on assets (ROA) | -0.0462% | 5,844 |
| Pretax return on assets | -0.0779% | 5,815 |
| Return on Equity (ROE) | -0.3762% | 5,840 |
| Retained earnings to average equity (ytd only) | -0.3762% | 5,312 |
| Net charge-offs to loans | 1.2628% | 1,624 |
| Credit loss provision to net charge-offs | 122.2061% | 4,149 |
| Earnings coverage of net charge-offs (x) | 1.0697% | 4,987 |
| Efficiency ratio | 65.6099% | 5,441 |
| Assets per employee ($millions) | 11.5245% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 5,624 |
| Loan loss allowance to noncurrent loans | 46.9859% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 1.7706% | 3,705 |
| Noncurrent loans to loans | 2.3744% | 3,175 |
| Net loans and leases to total assets | 61.1156% | 5,402 |
| Net loans and leases to deposits | 72.6873% | 5,554 |
| Net loans and leases to core deposits | 99.6718% | 4,411 |
| Total domestic deposits to total assets | 84.0802% | 3,689 |
| Equity capital to assets | 11.8483% | 2,323 |
| Core capital (leverage) ratio | 7.2460% | 7,228 |
| Tier 1 risk-based capital ratio | 9.4108% | 7,431 |
| Total risk-based capital ratio | 12.8771% | 5,247 |
| Memoranda: | ||
| Average total assets | $421,154,250 | 1,658 |
| Average earning assets | $362,821,250 | 1,743 |
| Average equity | $51,739,000 | 1,304 |
| Average total loans | $290,982,500 | 1,671 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 6,282 |
| Cost of funding earning assets | 2.1009% | 3,261 |
| Net interest margin | 3.0406% | 6,433 |
| Noninterest income to average assets | 0.1287% | 7,319 |
| Noninterest expense to average assets | 1.8221% | 7,718 |
| Loan and lease loss provision to assets | 0.4039% | 3,506 |
| Net operating income to assets | 0.2968% | 4,912 |
| Return on assets (ROA) | 0.3519% | 4,786 |
| Pretax return on assets | 0.5693% | 4,411 |
| Return on Equity (ROE) | 2.8257% | 4,965 |
| Retained earnings to average equity (ytd only) | 2.8257% | 3,750 |
| Net charge-offs to loans | 0.4246% | 3,102 |
| Credit loss provision to net charge-offs | 132.2528% | 3,534 |
| Earnings coverage of net charge-offs (x) | 2.9044% | 3,654 |
| Efficiency ratio | 64.9735% | 5,725 |
| Assets per employee ($millions) | 11.7932% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8943% | 6,802 |
| Loan loss allowance to noncurrent loans | 42.9997% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 1.9865% | 3,213 |
| Noncurrent loans to loans | 2.0797% | 3,416 |
| Net loans and leases to total assets | 74.2371% | 2,642 |
| Net loans and leases to deposits | 89.3111% | 2,934 |
| Net loans and leases to core deposits | 123.3660% | 2,083 |
| Total domestic deposits to total assets | 83.1219% | 4,186 |
| Equity capital to assets | 12.0017% | 2,202 |
| Core capital (leverage) ratio | 6.7052% | 7,700 |
| Tier 1 risk-based capital ratio | 7.5309% | 7,956 |
| Total risk-based capital ratio | 10.6599% | 7,432 |
| Memoranda: | ||
| Average total assets | $404,037,000 | 1,739 |
| Average earning assets | $342,892,670 | 1,850 |
| Average equity | $50,324,000 | 1,363 |
| Average total loans | $290,632,330 | 1,702 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1756% | 6,392 |
| Cost of funding earning assets | 2.2517% | 2,913 |
| Net interest margin | 2.9239% | 6,687 |
| Noninterest income to average assets | 0.2021% | 6,847 |
| Noninterest expense to average assets | 1.7736% | 7,730 |
| Loan and lease loss provision to assets | 0.0406% | 6,458 |
| Net operating income to assets | 0.5049% | 4,397 |
| Return on assets (ROA) | 0.5049% | 4,586 |
| Pretax return on assets | 0.8137% | 4,027 |
| Return on Equity (ROE) | 3.9753% | 4,944 |
| Retained earnings to average equity (ytd only) | 3.9753% | 3,687 |
| Net charge-offs to loans | 0.0896% | 4,273 |
| Credit loss provision to net charge-offs | 64.5161% | 4,446 |
| Earnings coverage of net charge-offs (x) | 13.5645% | 1,728 |
| Efficiency ratio | 65.0947% | 5,493 |
| Assets per employee ($millions) | 10.6416% | 226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,629 |
| Loan loss allowance to noncurrent loans | 57.3803% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 1.6237% | 3,479 |
| Noncurrent loans to loans | 1.6130% | 3,856 |
| Net loans and leases to total assets | 71.3374% | 3,391 |
| Net loans and leases to deposits | 87.8946% | 3,307 |
| Net loans and leases to core deposits | 115.3371% | 2,870 |
| Total domestic deposits to total assets | 81.1624% | 4,903 |
| Equity capital to assets | 12.7330% | 1,868 |
| Core capital (leverage) ratio | 6.8221% | 7,753 |
| Tier 1 risk-based capital ratio | 7.9154% | 8,021 |
| Total risk-based capital ratio | 11.3017% | 6,770 |
| Memoranda: | ||
| Average total assets | $393,777,500 | 1,787 |
| Average earning assets | $326,689,000 | 1,937 |
| Average equity | $50,009,000 | 1,375 |
| Average total loans | $276,937,500 | 1,791 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 6,816 |
| Cost of funding earning assets | 3.0347% | 1,732 |
| Net interest margin | 2.6534% | 7,571 |
| Noninterest income to average assets | 0.5434% | 4,282 |
| Noninterest expense to average assets | 1.8742% | 7,657 |
| Loan and lease loss provision to assets | 0.8660% | 1,722 |
| Net operating income to assets | -0.0035% | 6,375 |
| Return on assets (ROA) | 0.0023% | 6,225 |
| Pretax return on assets | 0.0014% | 6,152 |
| Return on Equity (ROE) | 0.0161% | 6,226 |
| Retained earnings to average equity (ytd only) | -2.3992% | 5,978 |
| Net charge-offs to loans | 0.8165% | 1,534 |
| Credit loss provision to net charge-offs | 157.1204% | 3,310 |
| Earnings coverage of net charge-offs (x) | 1.5634% | 5,315 |
| Efficiency ratio | 65.2990% | 5,253 |
| Assets per employee ($millions) | 10.3636% | 231 |
| Cash dividends to net income (ytd only)* | 15,000.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,218 |
| Loan loss allowance to noncurrent loans | 49.7368% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 1.3509% | 3,509 |
| Noncurrent loans to loans | 1.9677% | 2,803 |
| Net loans and leases to total assets | 67.9814% | 4,470 |
| Net loans and leases to deposits | 83.4659% | 4,505 |
| Net loans and leases to core deposits | 110.2132% | 3,756 |
| Total domestic deposits to total assets | 81.4481% | 4,438 |
| Equity capital to assets | 12.6666% | 1,936 |
| Core capital (leverage) ratio | 6.8941% | 7,764 |
| Tier 1 risk-based capital ratio | 8.0910% | 8,072 |
| Total risk-based capital ratio | 10.6355% | 7,355 |
| Memoranda: | ||
| Average total assets | $346,541,800 | 1,919 |
| Average earning assets | $286,350,200 | 2,125 |
| Average equity | $49,683,200 | 1,367 |
| Average total loans | $233,918,000 | 2,017 |