Home > Avidia Bank > Performance and Condition Ratios
Avidia Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 2,884 |
| Cost of funding earning assets | 1.5921% | 1,709 |
| Net interest margin | 3.0110% | 3,256 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.8383% | 1,411 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 0.5499% | 3,566 |
| Return on assets (ROA) | 0.5148% | 3,631 |
| Pretax return on assets | 0.6792% | 3,478 |
| Return on Equity (ROE) | 6.9400% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.3960% | 2,095 |
| Net charge-offs to loans | 0.0127% | 2,174 |
| Credit loss provision to net charge-offs | 996.1686% | 413 |
| Earnings coverage of net charge-offs (x) | 81.2835% | 1,013 |
| Efficiency ratio | 77.4784% | 1,116 |
| Assets per employee ($millions) | 9.9982% | 704 |
| Cash dividends to net income (ytd only)* | 7.8149% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 3,125 |
| Loan loss allowance to noncurrent loans | 421.8130% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 2,174 |
| Noncurrent loans to loans | 0.2457% | 2,320 |
| Net loans and leases to total assets | 81.1900% | 512 |
| Net loans and leases to deposits | 107.7572% | 246 |
| Net loans and leases to core deposits | 120.8368% | 599 |
| Total domestic deposits to total assets | 75.3400% | 3,998 |
| Equity capital to assets | 7.8189% | 3,527 |
| Core capital (leverage) ratio | 8.1728% | 4,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4019% | 2,739 |
| Memoranda: | ||
| Average total assets | $2,572,662,200 | 451 |
| Average earning assets | $2,417,537,600 | 438 |
| Average equity | $190,885,400 | 561 |
| Average total loans | $2,056,788,400 | 394 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 2,824 |
| Cost of funding earning assets | 1.4871% | 1,646 |
| Net interest margin | 3.0508% | 3,232 |
| Noninterest income to average assets | 0.7000% | 1,185 |
| Noninterest expense to average assets | 2.8262% | 1,374 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.4753% | 3,815 |
| Return on assets (ROA) | 0.5146% | 3,724 |
| Pretax return on assets | 0.6870% | 3,578 |
| Return on Equity (ROE) | 7.0300% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.6809% | 2,406 |
| Net charge-offs to loans | 0.0149% | 1,866 |
| Credit loss provision to net charge-offs | 881.0573% | 436 |
| Earnings coverage of net charge-offs (x) | 62.8326% | 1,181 |
| Efficiency ratio | 79.2129% | 908 |
| Assets per employee ($millions) | 10.3090% | 607 |
| Cash dividends to net income (ytd only)* | 4.9879% | 2,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,247 |
| Loan loss allowance to noncurrent loans | 271.3494% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 1,769 |
| Noncurrent loans to loans | 0.3765% | 1,884 |
| Net loans and leases to total assets | 79.6800% | 687 |
| Net loans and leases to deposits | 105.1505% | 317 |
| Net loans and leases to core deposits | 118.1915% | 599 |
| Total domestic deposits to total assets | 75.7800% | 4,031 |
| Equity capital to assets | 7.2593% | 3,483 |
| Core capital (leverage) ratio | 8.1016% | 4,357 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1680% | 2,792 |
| Memoranda: | ||
| Average total assets | $2,565,947,500 | 456 |
| Average earning assets | $2,411,043,500 | 438 |
| Average equity | $187,793,000 | 562 |
| Average total loans | $2,037,835,500 | 398 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4540% | 2,759 |
| Cost of funding earning assets | 1.3489% | 1,584 |
| Net interest margin | 3.1051% | 3,216 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.9100% | 1,192 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.4638% | 3,884 |
| Return on assets (ROA) | 0.5395% | 3,734 |
| Pretax return on assets | 0.7263% | 3,549 |
| Return on Equity (ROE) | 7.3500% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.8235% | 2,348 |
| Net charge-offs to loans | -0.0011% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 79.7003% | 860 |
| Assets per employee ($millions) | 9.6262% | 746 |
| Cash dividends to net income (ytd only)* | 7.1855% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0224% | 3,328 |
| Loan loss allowance to noncurrent loans | 267.7668% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.3065% | 1,692 |
| Noncurrent loans to loans | 0.3818% | 1,780 |
| Net loans and leases to total assets | 79.4600% | 684 |
| Net loans and leases to deposits | 104.7451% | 344 |
| Net loans and leases to core deposits | 119.8700% | 516 |
| Total domestic deposits to total assets | 75.8600% | 4,056 |
| Equity capital to assets | 7.4209% | 3,569 |
| Core capital (leverage) ratio | 8.0666% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2609% | 2,807 |
| Memoranda: | ||
| Average total assets | $2,548,435,667 | 443 |
| Average earning assets | $2,394,931,000 | 430 |
| Average equity | $187,029,667 | 556 |
| Average total loans | $2,014,458,667 | 388 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3901% | 2,574 |
| Cost of funding earning assets | 1.1862% | 1,487 |
| Net interest margin | 3.2039% | 3,109 |
| Noninterest income to average assets | 0.7500% | 973 |
| Noninterest expense to average assets | 2.9618% | 1,129 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.5508% | 3,792 |
| Return on assets (ROA) | 0.6116% | 3,627 |
| Pretax return on assets | 0.7970% | 3,470 |
| Return on Equity (ROE) | 8.3900% | 3,204 |
| Retained earnings to average equity (ytd only) | 8.3899% | 2,118 |
| Net charge-offs to loans | 0.0232% | 1,220 |
| Credit loss provision to net charge-offs | 434.7826% | 591 |
| Earnings coverage of net charge-offs (x) | 43.9913% | 1,146 |
| Efficiency ratio | 78.7325% | 932 |
| Assets per employee ($millions) | 9.7695% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 3,547 |
| Loan loss allowance to noncurrent loans | 509.4564% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 2,437 |
| Noncurrent loans to loans | 0.1946% | 2,502 |
| Net loans and leases to total assets | 78.0000% | 768 |
| Net loans and leases to deposits | 103.8622% | 302 |
| Net loans and leases to core deposits | 117.2105% | 507 |
| Total domestic deposits to total assets | 75.1000% | 4,215 |
| Equity capital to assets | 7.2790% | 3,686 |
| Core capital (leverage) ratio | 8.0134% | 4,429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0412% | 2,939 |
| Memoranda: | ||
| Average total assets | $2,532,530,000 | 457 |
| Average earning assets | $2,379,695,000 | 445 |
| Average equity | $184,604,000 | 572 |
| Average total loans | $1,986,128,500 | 402 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 2,464 |
| Cost of funding earning assets | 0.2743% | 3,109 |
| Net interest margin | 3.4530% | 2,089 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 3.1794% | 743 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6242% | 3,820 |
| Return on assets (ROA) | 0.4300% | 4,169 |
| Pretax return on assets | 0.5848% | 4,053 |
| Return on Equity (ROE) | 5.5100% | 3,927 |
| Retained earnings to average equity (ytd only) | 4.8993% | 3,092 |
| Net charge-offs to loans | 0.0116% | 1,952 |
| Credit loss provision to net charge-offs | 612.5000% | 593 |
| Earnings coverage of net charge-offs (x) | 105.6800% | 952 |
| Efficiency ratio | 78.2705% | 835 |
| Assets per employee ($millions) | 9.4882% | 784 |
| Cash dividends to net income (ytd only)* | 11.1165% | 3,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 3,634 |
| Loan loss allowance to noncurrent loans | 416.2020% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 2,313 |
| Noncurrent loans to loans | 0.2255% | 2,364 |
| Net loans and leases to total assets | 77.3200% | 862 |
| Net loans and leases to deposits | 97.6220% | 544 |
| Net loans and leases to core deposits | 107.4125% | 692 |
| Total domestic deposits to total assets | 79.2000% | 3,980 |
| Equity capital to assets | 7.3000% | 3,489 |
| Core capital (leverage) ratio | 8.2876% | 4,265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0839% | 2,958 |
| Memoranda: | ||
| Average total assets | $2,397,306,200 | 466 |
| Average earning assets | $2,264,299,000 | 451 |
| Average equity | $187,028,200 | 556 |
| Average total loans | $1,731,069,600 | 423 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 2,329 |
| Cost of funding earning assets | 0.1618% | 3,717 |
| Net interest margin | 3.4442% | 1,827 |
| Noninterest income to average assets | 0.8400% | 949 |
| Noninterest expense to average assets | 3.2251% | 664 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 0.6137% | 3,803 |
| Return on assets (ROA) | 0.3137% | 4,324 |
| Pretax return on assets | 0.4279% | 4,240 |
| Return on Equity (ROE) | 3.9500% | 4,155 |
| Retained earnings to average equity (ytd only) | 3.4780% | 3,635 |
| Net charge-offs to loans | 0.0006% | 2,317 |
| Credit loss provision to net charge-offs | 14,062.5000% | 43 |
| Earnings coverage of net charge-offs (x) | 1,939.0000% | 63 |
| Efficiency ratio | 78.7210% | 858 |
| Assets per employee ($millions) | 9.0204% | 887 |
| Cash dividends to net income (ytd only)* | 12.0594% | 2,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,433 |
| Loan loss allowance to noncurrent loans | 341.7024% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 2,094 |
| Noncurrent loans to loans | 0.2951% | 2,187 |
| Net loans and leases to total assets | 76.3200% | 872 |
| Net loans and leases to deposits | 90.8944% | 830 |
| Net loans and leases to core deposits | 94.3254% | 1,074 |
| Total domestic deposits to total assets | 83.9700% | 3,513 |
| Equity capital to assets | 7.4135% | 3,266 |
| Core capital (leverage) ratio | 8.3127% | 4,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5290% | 2,938 |
| Memoranda: | ||
| Average total assets | $2,375,155,750 | 467 |
| Average earning assets | $2,247,824,000 | 454 |
| Average equity | $188,417,500 | 557 |
| Average total loans | $1,678,766,750 | 433 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4517% | 2,291 |
| Cost of funding earning assets | 0.1315% | 3,822 |
| Net interest margin | 3.3202% | 1,851 |
| Noninterest income to average assets | 0.8760% | 888 |
| Noninterest expense to average assets | 3.1965% | 637 |
| Loan and lease loss provision to assets | 0.0567% | 1,566 |
| Net operating income to assets | 0.5837% | 3,671 |
| Return on assets (ROA) | 0.1328% | 4,451 |
| Pretax return on assets | 0.2012% | 4,410 |
| Return on Equity (ROE) | 1.6390% | 4,387 |
| Retained earnings to average equity (ytd only) | 1.3396% | 3,914 |
| Net charge-offs to loans | -0.0017% | 3,104 |
| Credit loss provision to net charge-offs | -4,821.4286% | 3,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3972% | 992 |
| Assets per employee ($millions) | 9.0046% | 888 |
| Cash dividends to net income (ytd only)* | 18.2680% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,345 |
| Loan loss allowance to noncurrent loans | 382.4989% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 2,372 |
| Noncurrent loans to loans | 0.2759% | 2,368 |
| Net loans and leases to total assets | 69.4617% | 1,348 |
| Net loans and leases to deposits | 76.2506% | 1,673 |
| Net loans and leases to core deposits | 78.7298% | 1,801 |
| Total domestic deposits to total assets | 91.0965% | 1,181 |
| Equity capital to assets | 7.6103% | 3,400 |
| Core capital (leverage) ratio | 7.9160% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9736% | 2,825 |
| Memoranda: | ||
| Average total assets | $2,382,097,000 | 464 |
| Average earning assets | $2,259,337,000 | 454 |
| Average equity | $193,043,667 | 555 |
| Average total loans | $1,633,294,333 | 433 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3685% | 2,183 |
| Cost of funding earning assets | 0.1335% | 3,722 |
| Net interest margin | 3.2350% | 1,764 |
| Noninterest income to average assets | 0.9504% | 758 |
| Noninterest expense to average assets | 3.1868% | 613 |
| Loan and lease loss provision to assets | 0.0338% | 1,750 |
| Net operating income to assets | 0.6143% | 3,351 |
| Return on assets (ROA) | 0.4327% | 3,851 |
| Pretax return on assets | 0.5750% | 3,694 |
| Return on Equity (ROE) | 5.1785% | 3,572 |
| Retained earnings to average equity (ytd only) | 4.5939% | 2,742 |
| Net charge-offs to loans | -0.0045% | 3,308 |
| Credit loss provision to net charge-offs | -1,111.1111% | 3,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1443% | 1,217 |
| Assets per employee ($millions) | 9.1428% | 869 |
| Cash dividends to net income (ytd only)* | 11.2891% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,391 |
| Loan loss allowance to noncurrent loans | 595.1111% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1216% | 2,967 |
| Noncurrent loans to loans | 0.1824% | 2,904 |
| Net loans and leases to total assets | 65.9712% | 1,412 |
| Net loans and leases to deposits | 73.1743% | 1,678 |
| Net loans and leases to core deposits | 75.3931% | 1,817 |
| Total domestic deposits to total assets | 90.1562% | 1,475 |
| Equity capital to assets | 8.0007% | 3,568 |
| Core capital (leverage) ratio | 8.1880% | 4,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5302% | 2,765 |
| Memoranda: | ||
| Average total assets | $2,366,535,500 | 474 |
| Average earning assets | $2,249,519,000 | 461 |
| Average equity | $197,739,000 | 554 |
| Average total loans | $1,602,871,000 | 438 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6355% | 2,293 |
| Cost of funding earning assets | 0.2156% | 3,310 |
| Net interest margin | 3.4199% | 1,965 |
| Noninterest income to average assets | 0.9233% | 1,150 |
| Noninterest expense to average assets | 3.2203% | 703 |
| Loan and lease loss provision to assets | 0.1404% | 862 |
| Net operating income to assets | 0.6082% | 3,857 |
| Return on assets (ROA) | 0.8326% | 3,304 |
| Pretax return on assets | 1.0991% | 2,971 |
| Return on Equity (ROE) | 9.3681% | 2,771 |
| Retained earnings to average equity (ytd only) | 8.7843% | 1,260 |
| Net charge-offs to loans | 0.1624% | 593 |
| Credit loss provision to net charge-offs | 120.7030% | 1,642 |
| Earnings coverage of net charge-offs (x) | 8.2148% | 2,310 |
| Efficiency ratio | 77.0982% | 1,020 |
| Assets per employee ($millions) | 9.0252% | 912 |
| Cash dividends to net income (ytd only)* | 6.2321% | 3,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,468 |
| Loan loss allowance to noncurrent loans | 456.4259% | 1,547 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 2,810 |
| Noncurrent loans to loans | 0.2351% | 2,787 |
| Net loans and leases to total assets | 68.0619% | 1,258 |
| Net loans and leases to deposits | 76.0224% | 1,563 |
| Net loans and leases to core deposits | 78.4752% | 1,721 |
| Total domestic deposits to total assets | 89.5288% | 1,220 |
| Equity capital to assets | 8.7221% | 3,866 |
| Core capital (leverage) ratio | 8.2273% | 4,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8792% | 2,672 |
| Memoranda: | ||
| Average total assets | $2,225,892,200 | 476 |
| Average earning assets | $2,116,985,000 | 465 |
| Average equity | $197,831,200 | 554 |
| Average total loans | $1,594,117,400 | 447 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6231% | 2,490 |
| Cost of funding earning assets | 0.2226% | 3,400 |
| Net interest margin | 3.4005% | 2,151 |
| Noninterest income to average assets | 0.9330% | 1,188 |
| Noninterest expense to average assets | 3.1853% | 732 |
| Loan and lease loss provision to assets | 0.1409% | 803 |
| Net operating income to assets | 0.6320% | 3,947 |
| Return on assets (ROA) | 0.8353% | 3,491 |
| Pretax return on assets | 1.0965% | 3,203 |
| Return on Equity (ROE) | 9.3521% | 2,982 |
| Retained earnings to average equity (ytd only) | 8.9599% | 1,713 |
| Net charge-offs to loans | 0.1063% | 713 |
| Credit loss provision to net charge-offs | 183.2151% | 1,247 |
| Earnings coverage of net charge-offs (x) | 12.7439% | 1,944 |
| Efficiency ratio | 76.4519% | 1,008 |
| Assets per employee ($millions) | 9.0482% | 880 |
| Cash dividends to net income (ytd only)* | 4.1933% | 3,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0939% | 3,466 |
| Loan loss allowance to noncurrent loans | 355.0832% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 2,703 |
| Noncurrent loans to loans | 0.3081% | 2,691 |
| Net loans and leases to total assets | 69.1191% | 1,174 |
| Net loans and leases to deposits | 77.6152% | 1,514 |
| Net loans and leases to core deposits | 80.0945% | 1,720 |
| Total domestic deposits to total assets | 89.0535% | 1,246 |
| Equity capital to assets | 8.6725% | 4,087 |
| Core capital (leverage) ratio | 8.2823% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7206% | 2,797 |
| Memoranda: | ||
| Average total assets | $2,200,237,250 | 487 |
| Average earning assets | $2,091,344,750 | 475 |
| Average equity | $196,515,000 | 558 |
| Average total loans | $1,592,142,000 | 448 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6293% | 2,534 |
| Cost of funding earning assets | 0.2410% | 3,363 |
| Net interest margin | 3.3883% | 2,175 |
| Noninterest income to average assets | 0.9154% | 1,231 |
| Noninterest expense to average assets | 3.1657% | 760 |
| Loan and lease loss provision to assets | 0.1457% | 824 |
| Net operating income to assets | 0.6183% | 3,943 |
| Return on assets (ROA) | 0.9347% | 3,195 |
| Pretax return on assets | 1.2258% | 2,842 |
| Return on Equity (ROE) | 10.3579% | 2,635 |
| Retained earnings to average equity (ytd only) | 10.3579% | 1,298 |
| Net charge-offs to loans | 0.0686% | 943 |
| Credit loss provision to net charge-offs | 290.0552% | 907 |
| Earnings coverage of net charge-offs (x) | 19.3260% | 1,547 |
| Efficiency ratio | 76.5076% | 1,035 |
| Assets per employee ($millions) | 8.5761% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0963% | 3,427 |
| Loan loss allowance to noncurrent loans | 162.6564% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4857% | 1,727 |
| Noncurrent loans to loans | 0.6740% | 1,740 |
| Net loans and leases to total assets | 71.2715% | 1,047 |
| Net loans and leases to deposits | 80.2788% | 1,399 |
| Net loans and leases to core deposits | 82.8919% | 1,648 |
| Total domestic deposits to total assets | 88.7800% | 1,398 |
| Equity capital to assets | 8.9028% | 3,886 |
| Core capital (leverage) ratio | 8.4038% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9854% | 2,727 |
| Memoranda: | ||
| Average total assets | $2,161,534,667 | 490 |
| Average earning assets | $2,055,021,667 | 476 |
| Average equity | $195,058,667 | 558 |
| Average total loans | $1,583,274,667 | 454 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6667% | 2,449 |
| Cost of funding earning assets | 0.2681% | 3,295 |
| Net interest margin | 3.3986% | 2,116 |
| Noninterest income to average assets | 1.0405% | 1,070 |
| Noninterest expense to average assets | 3.1618% | 759 |
| Loan and lease loss provision to assets | 0.1931% | 637 |
| Net operating income to assets | 0.6785% | 3,759 |
| Return on assets (ROA) | 1.0381% | 2,756 |
| Pretax return on assets | 1.3680% | 2,376 |
| Return on Equity (ROE) | 11.4227% | 2,215 |
| Retained earnings to average equity (ytd only) | 11.4227% | 1,290 |
| Net charge-offs to loans | 0.0676% | 869 |
| Credit loss provision to net charge-offs | 386.7925% | 665 |
| Earnings coverage of net charge-offs (x) | 22.1509% | 1,215 |
| Efficiency ratio | 74.0641% | 1,304 |
| Assets per employee ($millions) | 8.8191% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0917% | 3,476 |
| Loan loss allowance to noncurrent loans | 125.2301% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.6256% | 1,518 |
| Noncurrent loans to loans | 0.8717% | 1,546 |
| Net loans and leases to total assets | 70.9852% | 1,159 |
| Net loans and leases to deposits | 80.1184% | 1,509 |
| Net loans and leases to core deposits | 109.9175% | 411 |
| Total domestic deposits to total assets | 88.6003% | 1,561 |
| Equity capital to assets | 8.7196% | 3,946 |
| Core capital (leverage) ratio | 8.5401% | 4,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3964% | 2,530 |
| Memoranda: | ||
| Average total assets | $2,123,121,500 | 492 |
| Average earning assets | $2,015,996,500 | 479 |
| Average equity | $192,949,500 | 552 |
| Average total loans | $1,568,413,500 | 461 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0289% | 2,643 |
| Cost of funding earning assets | 0.4245% | 3,434 |
| Net interest margin | 3.6044% | 2,131 |
| Noninterest income to average assets | 0.9338% | 1,189 |
| Noninterest expense to average assets | 3.3380% | 861 |
| Loan and lease loss provision to assets | 0.3102% | 1,202 |
| Net operating income to assets | 0.5385% | 3,942 |
| Return on assets (ROA) | 0.6752% | 3,637 |
| Pretax return on assets | 0.8712% | 3,447 |
| Return on Equity (ROE) | 6.9670% | 3,219 |
| Retained earnings to average equity (ytd only) | 6.3405% | 1,651 |
| Net charge-offs to loans | 0.1120% | 1,356 |
| Credit loss provision to net charge-offs | 371.5365% | 1,522 |
| Earnings coverage of net charge-offs (x) | 12.0781% | 2,358 |
| Efficiency ratio | 76.7769% | 1,144 |
| Assets per employee ($millions) | 8.0630% | 1,019 |
| Cash dividends to net income (ytd only)* | 8.9932% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 3,559 |
| Loan loss allowance to noncurrent loans | 110.7549% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.7429% | 1,384 |
| Noncurrent loans to loans | 0.9751% | 1,449 |
| Net loans and leases to total assets | 75.3610% | 859 |
| Net loans and leases to deposits | 85.7727% | 1,264 |
| Net loans and leases to core deposits | 118.5283% | 329 |
| Total domestic deposits to total assets | 87.8613% | 1,551 |
| Equity capital to assets | 9.4925% | 3,617 |
| Core capital (leverage) ratio | 8.6391% | 4,062 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1838% | 2,560 |
| Memoranda: | ||
| Average total assets | $1,902,114,400 | 499 |
| Average earning assets | $1,800,866,600 | 487 |
| Average equity | $184,339,800 | 548 |
| Average total loans | $1,418,115,400 | 472 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 2,923 |
| Cost of funding earning assets | 0.4582% | 3,480 |
| Net interest margin | 3.5582% | 2,400 |
| Noninterest income to average assets | 0.8485% | 1,354 |
| Noninterest expense to average assets | 3.2775% | 942 |
| Loan and lease loss provision to assets | 0.2493% | 1,621 |
| Net operating income to assets | 0.5147% | 3,991 |
| Return on assets (ROA) | 0.5499% | 4,000 |
| Pretax return on assets | 0.7344% | 3,813 |
| Return on Equity (ROE) | 5.6432% | 3,678 |
| Retained earnings to average equity (ytd only) | 5.2207% | 2,463 |
| Net charge-offs to loans | 0.1507% | 970 |
| Credit loss provision to net charge-offs | 223.2143% | 2,027 |
| Earnings coverage of net charge-offs (x) | 8.4075% | 2,497 |
| Efficiency ratio | 77.7051% | 1,063 |
| Assets per employee ($millions) | 8.1184% | 956 |
| Cash dividends to net income (ytd only)* | 7.4870% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 3,959 |
| Loan loss allowance to noncurrent loans | 101.1912% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 1,659 |
| Noncurrent loans to loans | 0.9226% | 1,615 |
| Net loans and leases to total assets | 75.5251% | 1,156 |
| Net loans and leases to deposits | 85.8107% | 1,725 |
| Net loans and leases to core deposits | 118.8613% | 439 |
| Total domestic deposits to total assets | 88.0136% | 1,213 |
| Equity capital to assets | 9.3843% | 3,778 |
| Core capital (leverage) ratio | 8.4662% | 4,329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3249% | 2,493 |
| Memoranda: | ||
| Average total assets | $1,871,688,000 | 495 |
| Average earning assets | $1,771,702,750 | 485 |
| Average equity | $182,396,750 | 545 |
| Average total loans | $1,387,188,250 | 473 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 3,043 |
| Cost of funding earning assets | 0.5044% | 3,507 |
| Net interest margin | 3.6002% | 2,482 |
| Noninterest income to average assets | 0.7179% | 1,672 |
| Noninterest expense to average assets | 3.3027% | 994 |
| Loan and lease loss provision to assets | 0.2736% | 1,567 |
| Net operating income to assets | 0.4147% | 4,205 |
| Return on assets (ROA) | 0.3724% | 4,346 |
| Pretax return on assets | 0.4915% | 4,266 |
| Return on Equity (ROE) | 3.7702% | 4,178 |
| Retained earnings to average equity (ytd only) | 3.4499% | 3,201 |
| Net charge-offs to loans | 0.1964% | 784 |
| Credit loss provision to net charge-offs | 189.9696% | 1,958 |
| Earnings coverage of net charge-offs (x) | 5.6839% | 2,495 |
| Efficiency ratio | 80.1105% | 889 |
| Assets per employee ($millions) | 8.2198% | 895 |
| Cash dividends to net income (ytd only)* | 8.4950% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9258% | 3,897 |
| Loan loss allowance to noncurrent loans | 86.3877% | 3,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7867% | 1,581 |
| Noncurrent loans to loans | 1.0716% | 1,448 |
| Net loans and leases to total assets | 71.8693% | 1,737 |
| Net loans and leases to deposits | 81.2846% | 2,282 |
| Net loans and leases to core deposits | 111.9715% | 662 |
| Total domestic deposits to total assets | 88.4169% | 982 |
| Equity capital to assets | 9.1523% | 3,963 |
| Core capital (leverage) ratio | 8.6853% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8391% | 2,246 |
| Memoranda: | ||
| Average total assets | $1,827,173,000 | 502 |
| Average earning assets | $1,727,330,667 | 493 |
| Average equity | $180,469,667 | 548 |
| Average total loans | $1,340,009,000 | 486 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 2,927 |
| Cost of funding earning assets | 0.5644% | 3,619 |
| Net interest margin | 3.7349% | 2,200 |
| Noninterest income to average assets | 0.8303% | 1,225 |
| Noninterest expense to average assets | 3.5514% | 863 |
| Loan and lease loss provision to assets | 0.2307% | 1,345 |
| Net operating income to assets | 0.4578% | 3,997 |
| Return on assets (ROA) | -0.3373% | 4,867 |
| Pretax return on assets | -0.4236% | 4,870 |
| Return on Equity (ROE) | -3.2753% | 4,880 |
| Retained earnings to average equity (ytd only) | -3.2753% | 4,379 |
| Net charge-offs to loans | 0.4242% | 344 |
| Credit loss provision to net charge-offs | 73.6920% | 1,961 |
| Earnings coverage of net charge-offs (x) | 2.5586% | 2,273 |
| Efficiency ratio | 81.5700% | 1,003 |
| Assets per employee ($millions) | 7.3127% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 3,949 |
| Loan loss allowance to noncurrent loans | 84.2697% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7905% | 1,716 |
| Noncurrent loans to loans | 1.1216% | 1,477 |
| Net loans and leases to total assets | 69.8165% | 2,279 |
| Net loans and leases to deposits | 80.1056% | 2,666 |
| Net loans and leases to core deposits | 113.6958% | 676 |
| Total domestic deposits to total assets | 87.1556% | 1,485 |
| Equity capital to assets | 10.0231% | 3,762 |
| Core capital (leverage) ratio | 9.4073% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5166% | 2,473 |
| Memoranda: | ||
| Average total assets | $1,733,831,000 | 515 |
| Average earning assets | $1,635,066,500 | 498 |
| Average equity | $178,547,000 | 550 |
| Average total loans | $1,279,579,000 | 485 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5818% | 2,679 |
| Cost of funding earning assets | 0.6832% | 3,241 |
| Net interest margin | 3.8985% | 2,176 |
| Noninterest income to average assets | 0.7808% | 1,512 |
| Noninterest expense to average assets | 3.4914% | 975 |
| Loan and lease loss provision to assets | 0.1720% | 1,215 |
| Net operating income to assets | 0.5869% | 4,200 |
| Return on assets (ROA) | 0.8211% | 3,577 |
| Pretax return on assets | 1.0701% | 3,260 |
| Return on Equity (ROE) | 7.9679% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.2854% | 1,262 |
| Net charge-offs to loans | 0.2382% | 861 |
| Credit loss provision to net charge-offs | 94.2609% | 2,602 |
| Earnings coverage of net charge-offs (x) | 5.1815% | 3,122 |
| Efficiency ratio | 78.6622% | 1,068 |
| Assets per employee ($millions) | 6.8672% | 1,096 |
| Cash dividends to net income (ytd only)* | 8.5651% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 3,724 |
| Loan loss allowance to noncurrent loans | 100.6443% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.7347% | 1,766 |
| Noncurrent loans to loans | 0.9496% | 1,614 |
| Net loans and leases to total assets | 76.6381% | 1,305 |
| Net loans and leases to deposits | 88.8461% | 1,723 |
| Net loans and leases to core deposits | 126.7846% | 328 |
| Total domestic deposits to total assets | 86.2594% | 1,952 |
| Equity capital to assets | 10.5940% | 3,352 |
| Core capital (leverage) ratio | 9.8856% | 3,633 |
| Tier 1 risk-based capital ratio | 12.6256% | 3,993 |
| Total risk-based capital ratio | 13.5821% | 4,036 |
| Memoranda: | ||
| Average total assets | $1,642,245,400 | 518 |
| Average earning assets | $1,540,162,800 | 498 |
| Average equity | $169,241,800 | 543 |
| Average total loans | $1,258,354,000 | 479 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6523% | 2,556 |
| Cost of funding earning assets | 0.7009% | 3,222 |
| Net interest margin | 3.9514% | 2,100 |
| Noninterest income to average assets | 0.4988% | 2,738 |
| Noninterest expense to average assets | 3.3571% | 1,165 |
| Loan and lease loss provision to assets | 0.1834% | 985 |
| Net operating income to assets | 0.4949% | 4,526 |
| Return on assets (ROA) | 0.6875% | 4,110 |
| Pretax return on assets | 0.9068% | 3,856 |
| Return on Equity (ROE) | 6.7192% | 3,806 |
| Retained earnings to average equity (ytd only) | 6.0293% | 2,359 |
| Net charge-offs to loans | 0.2432% | 731 |
| Credit loss provision to net charge-offs | 98.6842% | 2,302 |
| Earnings coverage of net charge-offs (x) | 4.5540% | 2,997 |
| Efficiency ratio | 79.8375% | 937 |
| Assets per employee ($millions) | 6.8310% | 1,102 |
| Cash dividends to net income (ytd only)* | 10.2680% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,645 |
| Loan loss allowance to noncurrent loans | 106.7659% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 1,900 |
| Noncurrent loans to loans | 0.9246% | 1,734 |
| Net loans and leases to total assets | 75.4243% | 1,580 |
| Net loans and leases to deposits | 88.4963% | 1,866 |
| Net loans and leases to core deposits | 123.6551% | 417 |
| Total domestic deposits to total assets | 85.2287% | 2,332 |
| Equity capital to assets | 10.4299% | 3,613 |
| Core capital (leverage) ratio | 9.7236% | 3,939 |
| Tier 1 risk-based capital ratio | 12.6209% | 4,071 |
| Total risk-based capital ratio | 13.6136% | 4,098 |
| Memoranda: | ||
| Average total assets | $1,635,621,500 | 522 |
| Average earning assets | $1,533,477,250 | 500 |
| Average equity | $167,355,750 | 549 |
| Average total loans | $1,250,134,750 | 484 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6387% | 2,545 |
| Cost of funding earning assets | 0.6970% | 3,184 |
| Net interest margin | 3.9417% | 2,115 |
| Noninterest income to average assets | 0.4702% | 2,837 |
| Noninterest expense to average assets | 3.3496% | 1,195 |
| Loan and lease loss provision to assets | 0.2120% | 793 |
| Net operating income to assets | 0.4562% | 4,622 |
| Return on assets (ROA) | 0.7008% | 4,061 |
| Pretax return on assets | 0.9126% | 3,806 |
| Return on Equity (ROE) | 6.8947% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.1959% | 2,194 |
| Net charge-offs to loans | 0.1266% | 1,185 |
| Credit loss provision to net charge-offs | 218.9086% | 1,138 |
| Earnings coverage of net charge-offs (x) | 8.4150% | 2,420 |
| Efficiency ratio | 80.4066% | 937 |
| Assets per employee ($millions) | 6.7790% | 1,106 |
| Cash dividends to net income (ytd only)* | 10.1350% | 3,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 3,251 |
| Loan loss allowance to noncurrent loans | 104.1912% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8141% | 1,729 |
| Noncurrent loans to loans | 1.0245% | 1,597 |
| Net loans and leases to total assets | 75.3546% | 1,657 |
| Net loans and leases to deposits | 92.4244% | 1,440 |
| Net loans and leases to core deposits | 129.9253% | 328 |
| Total domestic deposits to total assets | 81.5311% | 3,654 |
| Equity capital to assets | 10.2787% | 3,718 |
| Core capital (leverage) ratio | 9.5845% | 4,061 |
| Tier 1 risk-based capital ratio | 12.3158% | 4,232 |
| Total risk-based capital ratio | 13.3759% | 4,233 |
| Memoranda: | ||
| Average total assets | $1,627,520,000 | 521 |
| Average earning assets | $1,525,383,330 | 501 |
| Average equity | $165,431,670 | 553 |
| Average total loans | $1,245,356,670 | 484 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6864% | 2,270 |
| Cost of funding earning assets | 0.6843% | 3,132 |
| Net interest margin | 4.0021% | 1,849 |
| Noninterest income to average assets | 0.4773% | 2,694 |
| Noninterest expense to average assets | 3.2478% | 1,390 |
| Loan and lease loss provision to assets | 0.2044% | 777 |
| Net operating income to assets | 0.5843% | 4,287 |
| Return on assets (ROA) | 0.9253% | 3,174 |
| Pretax return on assets | 1.2075% | 2,777 |
| Return on Equity (ROE) | 9.1554% | 2,733 |
| Retained earnings to average equity (ytd only) | 8.4468% | 1,510 |
| Net charge-offs to loans | 0.1984% | 710 |
| Credit loss provision to net charge-offs | 134.3648% | 1,331 |
| Earnings coverage of net charge-offs (x) | 6.4430% | 2,198 |
| Efficiency ratio | 76.7860% | 1,405 |
| Assets per employee ($millions) | 6.9861% | 1,005 |
| Cash dividends to net income (ytd only)* | 7.7397% | 2,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0265% | 3,543 |
| Loan loss allowance to noncurrent loans | 114.8389% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 1,966 |
| Noncurrent loans to loans | 0.8938% | 1,866 |
| Net loans and leases to total assets | 75.3656% | 1,586 |
| Net loans and leases to deposits | 91.3889% | 1,471 |
| Net loans and leases to core deposits | 125.2370% | 398 |
| Total domestic deposits to total assets | 82.4668% | 3,592 |
| Equity capital to assets | 10.1751% | 3,649 |
| Core capital (leverage) ratio | 9.4343% | 4,222 |
| Tier 1 risk-based capital ratio | 12.1107% | 4,405 |
| Total risk-based capital ratio | 13.1243% | 4,437 |
| Memoranda: | ||
| Average total assets | $1,614,239,000 | 527 |
| Average earning assets | $1,512,891,000 | 508 |
| Average equity | $163,138,500 | 559 |
| Average total loans | $1,238,097,000 | 487 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 1,993 |
| Cost of funding earning assets | 0.6131% | 2,632 |
| Net interest margin | 4.0348% | 1,870 |
| Noninterest income to average assets | 0.7335% | 1,717 |
| Noninterest expense to average assets | 3.2270% | 1,489 |
| Loan and lease loss provision to assets | 0.2374% | 749 |
| Net operating income to assets | 0.7616% | 3,934 |
| Return on assets (ROA) | 0.8348% | 3,672 |
| Pretax return on assets | 1.1209% | 3,201 |
| Return on Equity (ROE) | 8.3496% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.6103% | 1,411 |
| Net charge-offs to loans | 0.2419% | 806 |
| Credit loss provision to net charge-offs | 125.8503% | 2,090 |
| Earnings coverage of net charge-offs (x) | 6.7092% | 3,060 |
| Efficiency ratio | 71.8019% | 1,931 |
| Assets per employee ($millions) | 7.0207% | 969 |
| Cash dividends to net income (ytd only)* | 8.8540% | 3,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 3,605 |
| Loan loss allowance to noncurrent loans | 136.8778% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 0.6934% | 1,996 |
| Noncurrent loans to loans | 0.7391% | 2,148 |
| Net loans and leases to total assets | 76.4775% | 1,524 |
| Net loans and leases to deposits | 91.0801% | 1,656 |
| Net loans and leases to core deposits | 118.9263% | 581 |
| Total domestic deposits to total assets | 83.9672% | 3,005 |
| Equity capital to assets | 10.0361% | 3,650 |
| Core capital (leverage) ratio | 9.4211% | 4,211 |
| Tier 1 risk-based capital ratio | 11.9792% | 4,435 |
| Total risk-based capital ratio | 13.0732% | 4,428 |
| Memoranda: | ||
| Average total assets | $1,558,531,000 | 528 |
| Average earning assets | $1,452,054,000 | 516 |
| Average equity | $155,828,600 | 551 |
| Average total loans | $1,215,593,000 | 479 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6433% | 1,860 |
| Cost of funding earning assets | 0.5792% | 2,636 |
| Net interest margin | 4.0642% | 1,743 |
| Noninterest income to average assets | 0.7389% | 1,719 |
| Noninterest expense to average assets | 3.2170% | 1,486 |
| Loan and lease loss provision to assets | 0.2218% | 743 |
| Net operating income to assets | 0.7943% | 3,926 |
| Return on assets (ROA) | 0.8813% | 3,624 |
| Pretax return on assets | 1.1925% | 3,013 |
| Return on Equity (ROE) | 8.8230% | 3,174 |
| Retained earnings to average equity (ytd only) | 8.0685% | 1,613 |
| Net charge-offs to loans | 0.0628% | 1,929 |
| Credit loss provision to net charge-offs | 451.7544% | 755 |
| Earnings coverage of net charge-offs (x) | 26.5649% | 1,738 |
| Efficiency ratio | 71.1270% | 2,019 |
| Assets per employee ($millions) | 7.0481% | 918 |
| Cash dividends to net income (ytd only)* | 8.5516% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1194% | 3,078 |
| Loan loss allowance to noncurrent loans | 147.4282% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7297% | 2,036 |
| Noncurrent loans to loans | 0.7593% | 2,187 |
| Net loans and leases to total assets | 76.6352% | 1,563 |
| Net loans and leases to deposits | 96.2783% | 1,122 |
| Net loans and leases to core deposits | 126.6044% | 401 |
| Total domestic deposits to total assets | 79.5976% | 4,199 |
| Equity capital to assets | 10.0019% | 3,643 |
| Core capital (leverage) ratio | 9.3500% | 4,335 |
| Tier 1 risk-based capital ratio | 11.8137% | 4,594 |
| Total risk-based capital ratio | 13.1408% | 4,437 |
| Memoranda: | ||
| Average total assets | $1,547,981,750 | 526 |
| Average earning assets | $1,440,621,750 | 516 |
| Average equity | $154,623,000 | 547 |
| Average total loans | $1,210,314,250 | 476 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5879% | 1,814 |
| Cost of funding earning assets | 0.5419% | 2,675 |
| Net interest margin | 4.0461% | 1,707 |
| Noninterest income to average assets | 0.7741% | 1,555 |
| Noninterest expense to average assets | 3.2138% | 1,508 |
| Loan and lease loss provision to assets | 0.1368% | 1,432 |
| Net operating income to assets | 0.8726% | 3,573 |
| Return on assets (ROA) | 0.9656% | 3,164 |
| Pretax return on assets | 1.3044% | 2,490 |
| Return on Equity (ROE) | 9.6717% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.9215% | 1,244 |
| Net charge-offs to loans | 0.0831% | 1,497 |
| Credit loss provision to net charge-offs | 210.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 20.3200% | 1,817 |
| Efficiency ratio | 70.8056% | 2,191 |
| Assets per employee ($millions) | 6.7985% | 1,016 |
| Cash dividends to net income (ytd only)* | 7.7566% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,750 |
| Loan loss allowance to noncurrent loans | 184.0389% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5744% | 2,506 |
| Noncurrent loans to loans | 0.5505% | 2,762 |
| Net loans and leases to total assets | 77.2035% | 1,443 |
| Net loans and leases to deposits | 94.8014% | 1,271 |
| Net loans and leases to core deposits | 123.7572% | 467 |
| Total domestic deposits to total assets | 81.4371% | 3,882 |
| Equity capital to assets | 10.0009% | 3,615 |
| Core capital (leverage) ratio | 9.3936% | 4,255 |
| Tier 1 risk-based capital ratio | 11.7280% | 4,669 |
| Total risk-based capital ratio | 12.9060% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,535,365,000 | 529 |
| Average earning assets | $1,428,009,330 | 519 |
| Average equity | $153,293,000 | 550 |
| Average total loans | $1,204,064,670 | 475 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,550 |
| Cost of funding earning assets | 0.5215% | 2,615 |
| Net interest margin | 4.0833% | 1,480 |
| Noninterest income to average assets | 0.6741% | 1,939 |
| Noninterest expense to average assets | 3.1547% | 1,681 |
| Loan and lease loss provision to assets | 0.0984% | 1,877 |
| Net operating income to assets | 0.8595% | 3,459 |
| Return on assets (ROA) | 0.9805% | 2,965 |
| Pretax return on assets | 1.3635% | 2,133 |
| Return on Equity (ROE) | 9.7910% | 2,541 |
| Retained earnings to average equity (ytd only) | 9.0707% | 1,437 |
| Net charge-offs to loans | 0.0117% | 2,326 |
| Credit loss provision to net charge-offs | 1,071.4286% | 322 |
| Earnings coverage of net charge-offs (x) | 142.5429% | 453 |
| Efficiency ratio | 70.6512% | 2,395 |
| Assets per employee ($millions) | 6.7433% | 1,070 |
| Cash dividends to net income (ytd only)* | 7.3569% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0072% | 3,909 |
| Loan loss allowance to noncurrent loans | 446.1993% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 3,960 |
| Noncurrent loans to loans | 0.2257% | 3,967 |
| Net loans and leases to total assets | 77.6375% | 1,291 |
| Net loans and leases to deposits | 100.1758% | 693 |
| Net loans and leases to core deposits | 130.7297% | 326 |
| Total domestic deposits to total assets | 77.5012% | 4,802 |
| Equity capital to assets | 9.9874% | 3,606 |
| Core capital (leverage) ratio | 9.2221% | 4,404 |
| Tier 1 risk-based capital ratio | 11.6682% | 4,759 |
| Total risk-based capital ratio | 12.8530% | 4,693 |
| Memoranda: | ||
| Average total assets | $1,524,950,000 | 536 |
| Average earning assets | $1,415,124,000 | 525 |
| Average equity | $152,711,500 | 554 |
| Average total loans | $1,198,754,000 | 478 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5036% | 1,697 |
| Cost of funding earning assets | 0.5488% | 1,960 |
| Net interest margin | 3.9547% | 1,902 |
| Noninterest income to average assets | 0.6367% | 2,261 |
| Noninterest expense to average assets | 3.0796% | 1,917 |
| Loan and lease loss provision to assets | 0.1816% | 1,179 |
| Net operating income to assets | 0.5758% | 4,112 |
| Return on assets (ROA) | 0.7403% | 3,467 |
| Pretax return on assets | 1.3036% | 2,331 |
| Return on Equity (ROE) | 8.0824% | 2,760 |
| Retained earnings to average equity (ytd only) | 7.7245% | 853 |
| Net charge-offs to loans | 0.0240% | 3,330 |
| Credit loss provision to net charge-offs | 962.2302% | 372 |
| Earnings coverage of net charge-offs (x) | 65.0899% | 898 |
| Efficiency ratio | 71.4587% | 2,306 |
| Assets per employee ($millions) | 6.7220% | 1,093 |
| Cash dividends to net income (ytd only)* | 4.4288% | 4,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 4,041 |
| Loan loss allowance to noncurrent loans | 296.1694% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 3,638 |
| Noncurrent loans to loans | 0.3315% | 3,580 |
| Net loans and leases to total assets | 78.0192% | 1,285 |
| Net loans and leases to deposits | 106.8235% | 367 |
| Net loans and leases to core deposits | 133.2772% | 284 |
| Total domestic deposits to total assets | 73.0355% | 5,256 |
| Equity capital to assets | 10.0412% | 3,661 |
| Core capital (leverage) ratio | 9.1815% | 4,418 |
| Tier 1 risk-based capital ratio | 11.5393% | 4,823 |
| Total risk-based capital ratio | 12.7167% | 4,768 |
| Memoranda: | ||
| Average total assets | $1,473,271,800 | 527 |
| Average earning assets | $1,367,608,000 | 514 |
| Average equity | $134,934,800 | 610 |
| Average total loans | $1,160,399,200 | 473 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4759% | 1,712 |
| Cost of funding earning assets | 0.5376% | 1,974 |
| Net interest margin | 3.9383% | 1,903 |
| Noninterest income to average assets | 0.6169% | 2,381 |
| Noninterest expense to average assets | 3.1439% | 1,691 |
| Loan and lease loss provision to assets | 0.1505% | 1,388 |
| Net operating income to assets | 0.6149% | 4,333 |
| Return on assets (ROA) | 0.8278% | 3,432 |
| Pretax return on assets | 1.3147% | 2,418 |
| Return on Equity (ROE) | 9.2705% | 2,459 |
| Retained earnings to average equity (ytd only) | 9.2705% | 771 |
| Net charge-offs to loans | 0.0365% | 2,710 |
| Credit loss provision to net charge-offs | 523.8095% | 607 |
| Earnings coverage of net charge-offs (x) | 39.4158% | 1,313 |
| Efficiency ratio | 73.4883% | 1,974 |
| Assets per employee ($millions) | 6.6773% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 4,585 |
| Loan loss allowance to noncurrent loans | 389.8614% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2238% | 4,167 |
| Noncurrent loans to loans | 0.2300% | 4,145 |
| Net loans and leases to total assets | 78.2927% | 1,229 |
| Net loans and leases to deposits | 112.2881% | 210 |
| Net loans and leases to core deposits | 143.9639% | 166 |
| Total domestic deposits to total assets | 69.7249% | 5,488 |
| Equity capital to assets | 10.0139% | 3,898 |
| Core capital (leverage) ratio | 9.2339% | 4,485 |
| Tier 1 risk-based capital ratio | 11.5659% | 4,915 |
| Total risk-based capital ratio | 12.6310% | 4,916 |
| Memoranda: | ||
| Average total assets | $1,461,795,250 | 533 |
| Average earning assets | $1,358,333,750 | 519 |
| Average equity | $130,532,500 | 635 |
| Average total loans | $1,151,248,500 | 476 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4111% | 1,777 |
| Cost of funding earning assets | 0.5159% | 2,051 |
| Net interest margin | 3.8951% | 1,944 |
| Noninterest income to average assets | 0.6252% | 2,350 |
| Noninterest expense to average assets | 3.1388% | 1,740 |
| Loan and lease loss provision to assets | 0.1936% | 957 |
| Net operating income to assets | 0.5676% | 4,441 |
| Return on assets (ROA) | 0.8684% | 3,129 |
| Pretax return on assets | 1.3820% | 2,093 |
| Return on Equity (ROE) | 10.1543% | 1,964 |
| Retained earnings to average equity (ytd only) | 10.1543% | 550 |
| Net charge-offs to loans | 0.0556% | 2,140 |
| Credit loss provision to net charge-offs | 443.0380% | 727 |
| Earnings coverage of net charge-offs (x) | 25.2943% | 1,610 |
| Efficiency ratio | 73.9238% | 2,029 |
| Assets per employee ($millions) | 7.1728% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,659 |
| Loan loss allowance to noncurrent loans | 276.0180% | 1,690 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 3,991 |
| Noncurrent loans to loans | 0.3241% | 3,869 |
| Net loans and leases to total assets | 77.1557% | 1,371 |
| Net loans and leases to deposits | 111.7787% | 232 |
| Net loans and leases to core deposits | 142.8396% | 170 |
| Total domestic deposits to total assets | 69.0254% | 5,569 |
| Equity capital to assets | 8.4639% | 5,329 |
| Core capital (leverage) ratio | 7.7547% | 5,597 |
| Tier 1 risk-based capital ratio | 9.6495% | 5,689 |
| Total risk-based capital ratio | 10.6878% | 5,701 |
| Memoranda: | ||
| Average total assets | $1,446,038,000 | 540 |
| Average earning assets | $1,343,568,670 | 522 |
| Average equity | $123,671,330 | 670 |
| Average total loans | $1,137,604,670 | 480 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3274% | 1,887 |
| Cost of funding earning assets | 0.4842% | 2,219 |
| Net interest margin | 3.8432% | 1,975 |
| Noninterest income to average assets | 0.6507% | 2,174 |
| Noninterest expense to average assets | 3.1907% | 1,639 |
| Loan and lease loss provision to assets | 0.2395% | 645 |
| Net operating income to assets | 0.5256% | 4,491 |
| Return on assets (ROA) | 1.0539% | 2,106 |
| Pretax return on assets | 1.6118% | 1,204 |
| Return on Equity (ROE) | 12.2557% | 1,172 |
| Retained earnings to average equity (ytd only) | 12.2557% | 448 |
| Net charge-offs to loans | 0.0445% | 1,947 |
| Credit loss provision to net charge-offs | 680.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 29.4880% | 1,229 |
| Efficiency ratio | 75.4081% | 1,996 |
| Assets per employee ($millions) | 6.9164% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 4,823 |
| Loan loss allowance to noncurrent loans | 200.0794% | 2,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 3,725 |
| Noncurrent loans to loans | 0.4414% | 3,507 |
| Net loans and leases to total assets | 78.2534% | 1,097 |
| Net loans and leases to deposits | 113.6404% | 152 |
| Net loans and leases to core deposits | 144.0651% | 141 |
| Total domestic deposits to total assets | 68.8605% | 5,661 |
| Equity capital to assets | 8.5940% | 5,163 |
| Core capital (leverage) ratio | 7.8686% | 5,604 |
| Tier 1 risk-based capital ratio | 9.7722% | 5,740 |
| Total risk-based capital ratio | 10.8283% | 5,752 |
| Memoranda: | ||
| Average total assets | $1,419,503,000 | 548 |
| Average earning assets | $1,321,798,500 | 536 |
| Average equity | $122,065,500 | 674 |
| Average total loans | $1,122,863,500 | 484 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2794% | 2,211 |
| Cost of funding earning assets | 0.4976% | 2,112 |
| Net interest margin | 3.7818% | 2,384 |
| Noninterest income to average assets | 0.6560% | 2,390 |
| Noninterest expense to average assets | 3.0323% | 2,245 |
| Loan and lease loss provision to assets | 0.1982% | 1,177 |
| Net operating income to assets | 0.6164% | 4,140 |
| Return on assets (ROA) | 0.6648% | 4,047 |
| Pretax return on assets | 1.0268% | 3,375 |
| Return on Equity (ROE) | 7.5517% | 3,192 |
| Retained earnings to average equity (ytd only) | 7.5517% | 1,020 |
| Net charge-offs to loans | 0.2018% | 1,375 |
| Credit loss provision to net charge-offs | 124.8217% | 2,141 |
| Earnings coverage of net charge-offs (x) | 7.2468% | 3,045 |
| Efficiency ratio | 72.3512% | 2,537 |
| Assets per employee ($millions) | 6.7318% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 4,966 |
| Loan loss allowance to noncurrent loans | 173.8524% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 3,727 |
| Noncurrent loans to loans | 0.4872% | 3,408 |
| Net loans and leases to total assets | 78.5887% | 1,107 |
| Net loans and leases to deposits | 113.3202% | 170 |
| Net loans and leases to core deposits | 137.1791% | 202 |
| Total domestic deposits to total assets | 69.3510% | 5,687 |
| Equity capital to assets | 8.6045% | 5,188 |
| Core capital (leverage) ratio | 7.9016% | 5,661 |
| Tier 1 risk-based capital ratio | 9.8537% | 5,774 |
| Total risk-based capital ratio | 10.8561% | 5,791 |
| Memoranda: | ||
| Average total assets | $1,324,487,600 | 557 |
| Average earning assets | $1,235,197,400 | 548 |
| Average equity | $116,596,600 | 684 |
| Average total loans | $1,041,879,600 | 491 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2435% | 2,365 |
| Cost of funding earning assets | 0.5037% | 2,071 |
| Net interest margin | 3.7398% | 2,553 |
| Noninterest income to average assets | 0.6527% | 2,404 |
| Noninterest expense to average assets | 3.0717% | 2,094 |
| Loan and lease loss provision to assets | 0.1351% | 1,739 |
| Net operating income to assets | 0.6094% | 4,257 |
| Return on assets (ROA) | 0.6541% | 4,182 |
| Pretax return on assets | 1.0038% | 3,615 |
| Return on Equity (ROE) | 7.3857% | 3,362 |
| Retained earnings to average equity (ytd only) | 7.3857% | 1,446 |
| Net charge-offs to loans | 0.2345% | 1,002 |
| Credit loss provision to net charge-offs | 73.4072% | 2,745 |
| Earnings coverage of net charge-offs (x) | 5.8133% | 3,078 |
| Efficiency ratio | 74.0187% | 2,283 |
| Assets per employee ($millions) | 6.4550% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 5,226 |
| Loan loss allowance to noncurrent loans | 172.4045% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4260% | 3,716 |
| Noncurrent loans to loans | 0.4564% | 3,647 |
| Net loans and leases to total assets | 78.4477% | 1,126 |
| Net loans and leases to deposits | 111.9002% | 227 |
| Net loans and leases to core deposits | 136.4239% | 223 |
| Total domestic deposits to total assets | 70.1051% | 5,688 |
| Equity capital to assets | 8.9059% | 5,237 |
| Core capital (leverage) ratio | 7.9590% | 5,704 |
| Tier 1 risk-based capital ratio | 9.9688% | 5,800 |
| Total risk-based capital ratio | 10.8924% | 5,844 |
| Memoranda: | ||
| Average total assets | $1,307,238,000 | 563 |
| Average earning assets | $1,219,692,250 | 553 |
| Average equity | $115,770,000 | 693 |
| Average total loans | $1,026,230,000 | 498 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 2,586 |
| Cost of funding earning assets | 0.5108% | 2,020 |
| Net interest margin | 3.6636% | 2,845 |
| Noninterest income to average assets | 0.6484% | 2,376 |
| Noninterest expense to average assets | 3.0810% | 2,112 |
| Loan and lease loss provision to assets | 0.1004% | 2,160 |
| Net operating income to assets | 0.5859% | 4,327 |
| Return on assets (ROA) | 0.6162% | 4,328 |
| Pretax return on assets | 0.9310% | 3,833 |
| Return on Equity (ROE) | 6.9711% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.9711% | 1,617 |
| Net charge-offs to loans | 0.3164% | 749 |
| Credit loss provision to net charge-offs | 40.4984% | 2,762 |
| Earnings coverage of net charge-offs (x) | 3.9769% | 3,036 |
| Efficiency ratio | 75.6255% | 2,125 |
| Assets per employee ($millions) | 6.5933% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7595% | 5,378 |
| Loan loss allowance to noncurrent loans | 125.6860% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 3,329 |
| Noncurrent loans to loans | 0.6043% | 3,257 |
| Net loans and leases to total assets | 76.9107% | 1,352 |
| Net loans and leases to deposits | 111.6730% | 212 |
| Net loans and leases to core deposits | 136.5484% | 219 |
| Total domestic deposits to total assets | 68.8714% | 5,815 |
| Equity capital to assets | 8.7681% | 5,431 |
| Core capital (leverage) ratio | 8.0193% | 5,720 |
| Tier 1 risk-based capital ratio | 9.9688% | 5,868 |
| Total risk-based capital ratio | 10.8625% | 5,908 |
| Memoranda: | ||
| Average total assets | $1,295,436,330 | 568 |
| Average earning assets | $1,208,581,000 | 557 |
| Average equity | $114,501,670 | 702 |
| Average total loans | $1,014,431,330 | 502 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 2,507 |
| Cost of funding earning assets | 0.5192% | 1,948 |
| Net interest margin | 3.6716% | 2,794 |
| Noninterest income to average assets | 0.5966% | 2,557 |
| Noninterest expense to average assets | 3.1028% | 2,094 |
| Loan and lease loss provision to assets | 0.1020% | 1,996 |
| Net operating income to assets | 0.5794% | 4,274 |
| Return on assets (ROA) | 0.6066% | 4,270 |
| Pretax return on assets | 0.8603% | 4,004 |
| Return on Equity (ROE) | 6.8345% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.8345% | 1,964 |
| Net charge-offs to loans | 0.5089% | 430 |
| Credit loss provision to net charge-offs | 25.4702% | 2,256 |
| Earnings coverage of net charge-offs (x) | 2.3064% | 2,705 |
| Efficiency ratio | 76.9123% | 2,057 |
| Assets per employee ($millions) | 6.3140% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7873% | 5,407 |
| Loan loss allowance to noncurrent loans | 106.3267% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 3,208 |
| Noncurrent loans to loans | 0.7404% | 2,983 |
| Net loans and leases to total assets | 78.2688% | 1,069 |
| Net loans and leases to deposits | 110.4598% | 216 |
| Net loans and leases to core deposits | 137.0528% | 199 |
| Total domestic deposits to total assets | 70.8573% | 5,830 |
| Equity capital to assets | 9.0370% | 5,135 |
| Core capital (leverage) ratio | 7.9213% | 5,804 |
| Tier 1 risk-based capital ratio | 10.1575% | 5,874 |
| Total risk-based capital ratio | 11.0829% | 5,918 |
| Memoranda: | ||
| Average total assets | $1,273,930,000 | 575 |
| Average earning assets | $1,190,222,000 | 563 |
| Average equity | $113,074,000 | 708 |
| Average total loans | $1,003,002,500 | 504 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1835% | 2,612 |
| Cost of funding earning assets | 0.5829% | 1,474 |
| Net interest margin | 3.6005% | 3,136 |
| Noninterest income to average assets | 0.6493% | 2,462 |
| Noninterest expense to average assets | 3.0173% | 2,485 |
| Loan and lease loss provision to assets | 0.1349% | 1,771 |
| Net operating income to assets | 0.5749% | 4,403 |
| Return on assets (ROA) | 0.6270% | 4,242 |
| Pretax return on assets | 0.9333% | 3,714 |
| Return on Equity (ROE) | 7.0640% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.0640% | 1,253 |
| Net charge-offs to loans | 0.0608% | 3,009 |
| Credit loss provision to net charge-offs | 286.9565% | 1,022 |
| Earnings coverage of net charge-offs (x) | 21.0661% | 1,834 |
| Efficiency ratio | 75.1520% | 2,401 |
| Assets per employee ($millions) | 6.2992% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 5,160 |
| Loan loss allowance to noncurrent loans | 105.9494% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 3,003 |
| Noncurrent loans to loans | 0.8297% | 2,718 |
| Net loans and leases to total assets | 77.8864% | 1,136 |
| Net loans and leases to deposits | 111.2708% | 214 |
| Net loans and leases to core deposits | 134.8171% | 212 |
| Total domestic deposits to total assets | 69.9972% | 5,897 |
| Equity capital to assets | 8.7162% | 5,375 |
| Core capital (leverage) ratio | 7.9481% | 5,862 |
| Tier 1 risk-based capital ratio | 9.9640% | 5,958 |
| Total risk-based capital ratio | 10.9955% | 5,980 |
| Memoranda: | ||
| Average total assets | $1,222,995,400 | 573 |
| Average earning assets | $1,140,754,000 | 565 |
| Average equity | $108,549,800 | 710 |
| Average total loans | $945,425,600 | 511 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1378% | 2,787 |
| Cost of funding earning assets | 0.5925% | 1,456 |
| Net interest margin | 3.5452% | 3,360 |
| Noninterest income to average assets | 0.6556% | 2,448 |
| Noninterest expense to average assets | 2.9455% | 2,685 |
| Loan and lease loss provision to assets | 0.1654% | 1,285 |
| Net operating income to assets | 0.5720% | 4,517 |
| Return on assets (ROA) | 0.6145% | 4,418 |
| Pretax return on assets | 0.9136% | 3,941 |
| Return on Equity (ROE) | 6.8902% | 3,690 |
| Retained earnings to average equity (ytd only) | 6.8902% | 1,741 |
| Net charge-offs to loans | 0.0685% | 2,586 |
| Credit loss provision to net charge-offs | 313.8075% | 929 |
| Earnings coverage of net charge-offs (x) | 19.2677% | 1,951 |
| Efficiency ratio | 74.2205% | 2,516 |
| Assets per employee ($millions) | 6.2165% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 5,180 |
| Loan loss allowance to noncurrent loans | 58.6271% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 1.2167% | 1,940 |
| Noncurrent loans to loans | 1.5475% | 1,615 |
| Net loans and leases to total assets | 77.9116% | 1,110 |
| Net loans and leases to deposits | 110.2572% | 249 |
| Net loans and leases to core deposits | 132.8914% | 236 |
| Total domestic deposits to total assets | 70.6635% | 5,944 |
| Equity capital to assets | 8.9571% | 5,347 |
| Core capital (leverage) ratio | 8.0619% | 5,869 |
| Tier 1 risk-based capital ratio | 10.2286% | 5,969 |
| Total risk-based capital ratio | 11.2872% | 5,983 |
| Memoranda: | ||
| Average total assets | $1,209,058,500 | 585 |
| Average earning assets | $1,127,305,000 | 571 |
| Average equity | $107,822,750 | 724 |
| Average total loans | $930,582,000 | 518 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1221% | 2,820 |
| Cost of funding earning assets | 0.5985% | 1,426 |
| Net interest margin | 3.5236% | 3,399 |
| Noninterest income to average assets | 0.6332% | 2,561 |
| Noninterest expense to average assets | 2.9566% | 2,688 |
| Loan and lease loss provision to assets | 0.1747% | 1,189 |
| Net operating income to assets | 0.5341% | 4,636 |
| Return on assets (ROA) | 0.5743% | 4,554 |
| Pretax return on assets | 0.8442% | 4,145 |
| Return on Equity (ROE) | 6.4496% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.4496% | 1,975 |
| Net charge-offs to loans | 0.0775% | 2,277 |
| Credit loss provision to net charge-offs | 294.9438% | 936 |
| Earnings coverage of net charge-offs (x) | 16.2022% | 1,926 |
| Efficiency ratio | 75.3506% | 2,484 |
| Assets per employee ($millions) | 5.7845% | 1,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8977% | 5,306 |
| Loan loss allowance to noncurrent loans | 58.6944% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 1.1907% | 2,127 |
| Noncurrent loans to loans | 1.5295% | 1,733 |
| Net loans and leases to total assets | 76.8105% | 1,254 |
| Net loans and leases to deposits | 110.0490% | 261 |
| Net loans and leases to core deposits | 130.1493% | 270 |
| Total domestic deposits to total assets | 69.7966% | 6,045 |
| Equity capital to assets | 8.9283% | 5,304 |
| Core capital (leverage) ratio | 7.9292% | 5,963 |
| Tier 1 risk-based capital ratio | 10.1614% | 6,039 |
| Total risk-based capital ratio | 11.2743% | 6,033 |
| Memoranda: | ||
| Average total assets | $1,201,790,670 | 584 |
| Average earning assets | $1,119,817,000 | 575 |
| Average equity | $107,013,670 | 728 |
| Average total loans | $918,188,000 | 521 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 2,858 |
| Cost of funding earning assets | 0.6019% | 1,425 |
| Net interest margin | 3.4917% | 3,472 |
| Noninterest income to average assets | 0.5796% | 2,777 |
| Noninterest expense to average assets | 2.8213% | 3,173 |
| Loan and lease loss provision to assets | 0.1841% | 1,033 |
| Net operating income to assets | 0.5670% | 4,414 |
| Return on assets (ROA) | 0.6030% | 4,372 |
| Pretax return on assets | 0.8798% | 3,964 |
| Return on Equity (ROE) | 6.7813% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.7813% | 2,108 |
| Net charge-offs to loans | 0.0552% | 2,216 |
| Credit loss provision to net charge-offs | 440.0000% | 609 |
| Earnings coverage of net charge-offs (x) | 24.1840% | 1,301 |
| Efficiency ratio | 73.4591% | 2,908 |
| Assets per employee ($millions) | 6.3313% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 5,464 |
| Loan loss allowance to noncurrent loans | 54.8422% | 4,873 |
| Noncurrent assets plus other real estate owned to assets | 1.2469% | 2,143 |
| Noncurrent loans to loans | 1.6229% | 1,719 |
| Net loans and leases to total assets | 76.1501% | 1,187 |
| Net loans and leases to deposits | 111.5799% | 188 |
| Net loans and leases to core deposits | 130.7527% | 236 |
| Total domestic deposits to total assets | 68.2472% | 6,190 |
| Equity capital to assets | 8.9854% | 5,309 |
| Core capital (leverage) ratio | 7.8063% | 6,029 |
| Tier 1 risk-based capital ratio | 10.2606% | 6,096 |
| Total risk-based capital ratio | 11.3693% | 6,086 |
| Memoranda: | ||
| Average total assets | $1,195,318,500 | 584 |
| Average earning assets | $1,113,733,500 | 574 |
| Average equity | $106,293,000 | 727 |
| Average total loans | $906,534,000 | 520 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 3,045 |
| Cost of funding earning assets | 0.6585% | 1,351 |
| Net interest margin | 3.5116% | 3,747 |
| Noninterest income to average assets | 0.6200% | 2,740 |
| Noninterest expense to average assets | 2.9487% | 3,002 |
| Loan and lease loss provision to assets | 0.1346% | 1,947 |
| Net operating income to assets | 0.5595% | 4,559 |
| Return on assets (ROA) | 0.6430% | 4,277 |
| Pretax return on assets | 0.9188% | 3,834 |
| Return on Equity (ROE) | 7.3774% | 3,426 |
| Retained earnings to average equity (ytd only) | 7.3774% | 1,238 |
| Net charge-offs to loans | 0.1286% | 2,734 |
| Credit loss provision to net charge-offs | 139.3885% | 1,706 |
| Earnings coverage of net charge-offs (x) | 9.6763% | 2,715 |
| Efficiency ratio | 75.7909% | 2,546 |
| Assets per employee ($millions) | 6.2515% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8681% | 5,572 |
| Loan loss allowance to noncurrent loans | 50.6364% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 1.4294% | 1,927 |
| Noncurrent loans to loans | 1.7144% | 1,702 |
| Net loans and leases to total assets | 74.1949% | 1,554 |
| Net loans and leases to deposits | 109.2058% | 260 |
| Net loans and leases to core deposits | 127.2002% | 280 |
| Total domestic deposits to total assets | 67.9405% | 6,270 |
| Equity capital to assets | 8.7993% | 5,490 |
| Core capital (leverage) ratio | 7.9582% | 6,027 |
| Tier 1 risk-based capital ratio | 10.4869% | 6,109 |
| Total risk-based capital ratio | 11.6000% | 6,113 |
| Memoranda: | ||
| Average total assets | $1,151,950,600 | 588 |
| Average earning assets | $1,070,296,800 | 570 |
| Average equity | $100,400,600 | 734 |
| Average total loans | $864,917,800 | 513 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1812% | 3,059 |
| Cost of funding earning assets | 0.6693% | 1,324 |
| Net interest margin | 3.5119% | 3,778 |
| Noninterest income to average assets | 0.6123% | 2,794 |
| Noninterest expense to average assets | 2.8445% | 3,309 |
| Loan and lease loss provision to assets | 0.1051% | 2,282 |
| Net operating income to assets | 0.6040% | 4,425 |
| Return on assets (ROA) | 0.6609% | 4,257 |
| Pretax return on assets | 1.0116% | 3,546 |
| Return on Equity (ROE) | 7.6020% | 3,400 |
| Retained earnings to average equity (ytd only) | 7.6020% | 1,534 |
| Net charge-offs to loans | 0.0923% | 2,892 |
| Credit loss provision to net charge-offs | 151.5152% | 1,567 |
| Earnings coverage of net charge-offs (x) | 14.8316% | 2,109 |
| Efficiency ratio | 73.2947% | 2,940 |
| Assets per employee ($millions) | 6.4724% | 1,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8751% | 5,674 |
| Loan loss allowance to noncurrent loans | 52.0440% | 5,077 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 2,404 |
| Noncurrent loans to loans | 1.6814% | 1,937 |
| Net loans and leases to total assets | 73.7382% | 1,568 |
| Net loans and leases to deposits | 108.9382% | 245 |
| Net loans and leases to core deposits | 125.7119% | 288 |
| Total domestic deposits to total assets | 67.6881% | 6,361 |
| Equity capital to assets | 8.7590% | 5,587 |
| Core capital (leverage) ratio | 7.8743% | 6,147 |
| Tier 1 risk-based capital ratio | 10.5775% | 6,183 |
| Total risk-based capital ratio | 11.6927% | 6,175 |
| Memoranda: | ||
| Average total assets | $1,141,431,000 | 590 |
| Average earning assets | $1,059,986,750 | 574 |
| Average equity | $99,234,250 | 741 |
| Average total loans | $857,730,500 | 509 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,902 |
| Cost of funding earning assets | 0.6758% | 1,332 |
| Net interest margin | 3.5378% | 3,617 |
| Noninterest income to average assets | 0.5577% | 3,064 |
| Noninterest expense to average assets | 2.8932% | 3,187 |
| Loan and lease loss provision to assets | 0.1061% | 2,251 |
| Net operating income to assets | 0.5514% | 4,598 |
| Return on assets (ROA) | 0.6067% | 4,423 |
| Pretax return on assets | 0.9266% | 3,777 |
| Return on Equity (ROE) | 6.9963% | 3,624 |
| Retained earnings to average equity (ytd only) | 6.9963% | 1,781 |
| Net charge-offs to loans | 0.1306% | 2,358 |
| Credit loss provision to net charge-offs | 107.7199% | 1,858 |
| Earnings coverage of net charge-offs (x) | 9.6248% | 2,340 |
| Efficiency ratio | 75.2209% | 2,774 |
| Assets per employee ($millions) | 6.2866% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 5,856 |
| Loan loss allowance to noncurrent loans | 57.3487% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.1597% | 2,762 |
| Noncurrent loans to loans | 1.4947% | 2,328 |
| Net loans and leases to total assets | 74.8434% | 1,324 |
| Net loans and leases to deposits | 110.3297% | 201 |
| Net loans and leases to core deposits | 128.1490% | 248 |
| Total domestic deposits to total assets | 67.8361% | 6,428 |
| Equity capital to assets | 8.8542% | 5,467 |
| Core capital (leverage) ratio | 7.7368% | 6,234 |
| Tier 1 risk-based capital ratio | 10.6103% | 6,216 |
| Total risk-based capital ratio | 11.7154% | 6,210 |
| Memoranda: | ||
| Average total assets | $1,131,408,670 | 594 |
| Average earning assets | $1,049,965,330 | 578 |
| Average equity | $98,108,670 | 746 |
| Average total loans | $853,151,330 | 513 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1813% | 2,941 |
| Cost of funding earning assets | 0.6782% | 1,380 |
| Net interest margin | 3.5031% | 3,676 |
| Noninterest income to average assets | 0.5272% | 3,216 |
| Noninterest expense to average assets | 2.9520% | 3,041 |
| Loan and lease loss provision to assets | 0.1064% | 2,147 |
| Net operating income to assets | 0.4803% | 4,784 |
| Return on assets (ROA) | 0.5361% | 4,597 |
| Pretax return on assets | 0.8027% | 4,102 |
| Return on Equity (ROE) | 6.2487% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.2487% | 2,407 |
| Net charge-offs to loans | 0.2564% | 1,303 |
| Credit loss provision to net charge-offs | 55.0459% | 2,157 |
| Earnings coverage of net charge-offs (x) | 4.2734% | 2,550 |
| Efficiency ratio | 78.1323% | 2,458 |
| Assets per employee ($millions) | 6.0848% | 1,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8251% | 6,048 |
| Loan loss allowance to noncurrent loans | 63.8942% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.0047% | 3,256 |
| Noncurrent loans to loans | 1.2914% | 2,875 |
| Net loans and leases to total assets | 74.7337% | 1,160 |
| Net loans and leases to deposits | 109.3864% | 161 |
| Net loans and leases to core deposits | 127.1450% | 215 |
| Total domestic deposits to total assets | 68.3209% | 6,506 |
| Equity capital to assets | 8.5991% | 5,548 |
| Core capital (leverage) ratio | 7.5983% | 6,306 |
| Tier 1 risk-based capital ratio | 10.4477% | 6,350 |
| Total risk-based capital ratio | 11.5043% | 6,364 |
| Memoranda: | ||
| Average total assets | $1,128,176,500 | 600 |
| Average earning assets | $1,046,856,500 | 585 |
| Average equity | $96,788,500 | 755 |
| Average total loans | $850,234,000 | 514 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2152% | 3,293 |
| Cost of funding earning assets | 0.7614% | 1,430 |
| Net interest margin | 3.4538% | 4,080 |
| Noninterest income to average assets | 0.7324% | 2,371 |
| Noninterest expense to average assets | 2.8798% | 3,432 |
| Loan and lease loss provision to assets | 0.0962% | 3,199 |
| Net operating income to assets | 0.6292% | 4,114 |
| Return on assets (ROA) | 0.6625% | 4,072 |
| Pretax return on assets | 1.0087% | 3,317 |
| Return on Equity (ROE) | 7.8282% | 3,126 |
| Retained earnings to average equity (ytd only) | 7.8282% | 1,112 |
| Net charge-offs to loans | 0.1435% | 3,368 |
| Credit loss provision to net charge-offs | 90.2837% | 2,746 |
| Earnings coverage of net charge-offs (x) | 9.8994% | 2,450 |
| Efficiency ratio | 73.5300% | 3,208 |
| Assets per employee ($millions) | 5.9813% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 6,014 |
| Loan loss allowance to noncurrent loans | 61.3476% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 1.0837% | 3,242 |
| Noncurrent loans to loans | 1.4154% | 2,769 |
| Net loans and leases to total assets | 74.7173% | 1,254 |
| Net loans and leases to deposits | 105.9932% | 261 |
| Net loans and leases to core deposits | 123.4585% | 278 |
| Total domestic deposits to total assets | 70.4925% | 6,502 |
| Equity capital to assets | 8.5590% | 5,516 |
| Core capital (leverage) ratio | 7.6660% | 6,320 |
| Tier 1 risk-based capital ratio | 10.3328% | 6,421 |
| Total risk-based capital ratio | 11.4370% | 6,418 |
| Memoranda: | ||
| Average total assets | $1,091,934,400 | 605 |
| Average earning assets | $1,012,244,000 | 593 |
| Average equity | $92,409,600 | 761 |
| Average total loans | $810,468,600 | 513 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1801% | 3,457 |
| Cost of funding earning assets | 0.7713% | 1,477 |
| Net interest margin | 3.4088% | 4,250 |
| Noninterest income to average assets | 0.7426% | 2,399 |
| Noninterest expense to average assets | 2.8521% | 3,478 |
| Loan and lease loss provision to assets | 0.1044% | 3,017 |
| Net operating income to assets | 0.6249% | 4,241 |
| Return on assets (ROA) | 0.6369% | 4,304 |
| Pretax return on assets | 0.9635% | 3,632 |
| Return on Equity (ROE) | 7.5474% | 3,351 |
| Retained earnings to average equity (ytd only) | 7.5474% | 1,619 |
| Net charge-offs to loans | 0.1727% | 2,842 |
| Credit loss provision to net charge-offs | 81.8094% | 2,801 |
| Earnings coverage of net charge-offs (x) | 8.2252% | 2,657 |
| Efficiency ratio | 73.3581% | 3,166 |
| Assets per employee ($millions) | 6.2259% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8523% | 6,183 |
| Loan loss allowance to noncurrent loans | 56.3823% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 1.1762% | 3,304 |
| Noncurrent loans to loans | 1.5116% | 2,901 |
| Net loans and leases to total assets | 74.3701% | 1,239 |
| Net loans and leases to deposits | 105.4302% | 254 |
| Net loans and leases to core deposits | 123.2461% | 273 |
| Total domestic deposits to total assets | 70.5397% | 6,575 |
| Equity capital to assets | 8.2635% | 5,943 |
| Core capital (leverage) ratio | 7.5617% | 6,427 |
| Tier 1 risk-based capital ratio | 9.9912% | 6,599 |
| Total risk-based capital ratio | 11.0217% | 6,627 |
| Memoranda: | ||
| Average total assets | $1,085,293,000 | 607 |
| Average earning assets | $1,005,876,250 | 596 |
| Average equity | $91,579,000 | 772 |
| Average total loans | $802,327,500 | 520 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1643% | 3,490 |
| Cost of funding earning assets | 0.7910% | 1,462 |
| Net interest margin | 3.3732% | 4,293 |
| Noninterest income to average assets | 0.8115% | 2,140 |
| Noninterest expense to average assets | 2.8795% | 3,408 |
| Loan and lease loss provision to assets | 0.1309% | 2,683 |
| Net operating income to assets | 0.6135% | 4,228 |
| Return on assets (ROA) | 0.6387% | 4,260 |
| Pretax return on assets | 0.9649% | 3,660 |
| Return on Equity (ROE) | 7.5143% | 3,342 |
| Retained earnings to average equity (ytd only) | 7.5143% | 1,665 |
| Net charge-offs to loans | 0.1236% | 3,139 |
| Credit loss provision to net charge-offs | 144.0329% | 1,584 |
| Earnings coverage of net charge-offs (x) | 11.6358% | 2,038 |
| Efficiency ratio | 73.4027% | 3,243 |
| Assets per employee ($millions) | 5.8899% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 5,977 |
| Loan loss allowance to noncurrent loans | 45.8678% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 1.5879% | 2,732 |
| Noncurrent loans to loans | 2.0806% | 2,302 |
| Net loans and leases to total assets | 73.2427% | 1,363 |
| Net loans and leases to deposits | 99.9576% | 429 |
| Net loans and leases to core deposits | 115.2904% | 410 |
| Total domestic deposits to total assets | 73.2738% | 6,488 |
| Equity capital to assets | 8.4414% | 5,825 |
| Core capital (leverage) ratio | 7.4828% | 6,462 |
| Tier 1 risk-based capital ratio | 10.2113% | 6,587 |
| Total risk-based capital ratio | 11.3052% | 6,599 |
| Memoranda: | ||
| Average total assets | $1,069,352,670 | 620 |
| Average earning assets | $990,855,000 | 607 |
| Average equity | $90,893,670 | 781 |
| Average total loans | $786,456,000 | 526 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1672% | 3,436 |
| Cost of funding earning assets | 0.8166% | 1,435 |
| Net interest margin | 3.3506% | 4,315 |
| Noninterest income to average assets | 0.7867% | 2,180 |
| Noninterest expense to average assets | 2.9152% | 3,288 |
| Loan and lease loss provision to assets | 0.1506% | 2,359 |
| Net operating income to assets | 0.5493% | 4,457 |
| Return on assets (ROA) | 0.5758% | 4,483 |
| Pretax return on assets | 0.8631% | 3,900 |
| Return on Equity (ROE) | 6.7506% | 3,622 |
| Retained earnings to average equity (ytd only) | 6.7506% | 2,282 |
| Net charge-offs to loans | -0.0277% | 5,866 |
| Credit loss provision to net charge-offs | -740.7407% | 5,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2227% | 3,054 |
| Assets per employee ($millions) | 5.7169% | 1,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 5,944 |
| Loan loss allowance to noncurrent loans | 37.9365% | 5,693 |
| Noncurrent assets plus other real estate owned to assets | 2.0073% | 2,340 |
| Noncurrent loans to loans | 2.6689% | 1,923 |
| Net loans and leases to total assets | 72.5151% | 1,280 |
| Net loans and leases to deposits | 96.2997% | 526 |
| Net loans and leases to core deposits | 111.3351% | 453 |
| Total domestic deposits to total assets | 75.3015% | 6,429 |
| Equity capital to assets | 8.6052% | 5,912 |
| Core capital (leverage) ratio | 7.3579% | 6,524 |
| Tier 1 risk-based capital ratio | 10.3875% | 6,610 |
| Total risk-based capital ratio | 11.5389% | 6,631 |
| Memoranda: | ||
| Average total assets | $1,062,161,000 | 633 |
| Average earning assets | $983,589,500 | 615 |
| Average equity | $90,599,000 | 788 |
| Average total loans | $778,981,000 | 533 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 3,879 |
| Cost of funding earning assets | 1.0512% | 1,116 |
| Net interest margin | 3.3328% | 5,134 |
| Noninterest income to average assets | 0.7643% | 2,422 |
| Noninterest expense to average assets | 2.8910% | 3,675 |
| Loan and lease loss provision to assets | 0.1920% | 3,233 |
| Net operating income to assets | 0.5055% | 4,670 |
| Return on assets (ROA) | 0.5478% | 4,744 |
| Pretax return on assets | 0.8253% | 4,202 |
| Return on Equity (ROE) | 6.5736% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.5736% | 1,778 |
| Net charge-offs to loans | 0.2032% | 3,754 |
| Credit loss provision to net charge-offs | 131.5789% | 2,125 |
| Earnings coverage of net charge-offs (x) | 6.5316% | 2,801 |
| Efficiency ratio | 75.4996% | 2,829 |
| Assets per employee ($millions) | 5.7662% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 6,116 |
| Loan loss allowance to noncurrent loans | 35.4950% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 2.0148% | 2,434 |
| Noncurrent loans to loans | 2.6882% | 1,966 |
| Net loans and leases to total assets | 72.7213% | 1,387 |
| Net loans and leases to deposits | 97.9354% | 512 |
| Net loans and leases to core deposits | 113.6991% | 425 |
| Total domestic deposits to total assets | 74.2543% | 6,503 |
| Equity capital to assets | 8.4540% | 6,082 |
| Core capital (leverage) ratio | 7.3134% | 6,579 |
| Tier 1 risk-based capital ratio | 10.3100% | 6,614 |
| Total risk-based capital ratio | 11.3625% | 6,641 |
| Memoranda: | ||
| Average total assets | $1,041,452,000 | 636 |
| Average earning assets | $962,422,800 | 620 |
| Average equity | $86,786,800 | 795 |
| Average total loans | $748,000,600 | 547 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4005% | 4,047 |
| Cost of funding earning assets | 1.1056% | 1,043 |
| Net interest margin | 3.2949% | 5,408 |
| Noninterest income to average assets | 0.7279% | 2,585 |
| Noninterest expense to average assets | 2.7750% | 4,072 |
| Loan and lease loss provision to assets | 0.1929% | 3,171 |
| Net operating income to assets | 0.5314% | 4,702 |
| Return on assets (ROA) | 0.5549% | 4,858 |
| Pretax return on assets | 0.8392% | 4,340 |
| Return on Equity (ROE) | 6.6836% | 3,968 |
| Retained earnings to average equity (ytd only) | 6.6836% | 2,287 |
| Net charge-offs to loans | 0.1884% | 3,610 |
| Credit loss provision to net charge-offs | 143.4034% | 2,003 |
| Earnings coverage of net charge-offs (x) | 7.4063% | 2,608 |
| Efficiency ratio | 73.8822% | 3,005 |
| Assets per employee ($millions) | 5.7215% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9706% | 6,186 |
| Loan loss allowance to noncurrent loans | 38.7923% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 1.8913% | 2,799 |
| Noncurrent loans to loans | 2.5021% | 2,293 |
| Net loans and leases to total assets | 72.1761% | 1,521 |
| Net loans and leases to deposits | 95.3328% | 703 |
| Net loans and leases to core deposits | 111.6045% | 515 |
| Total domestic deposits to total assets | 75.7097% | 6,428 |
| Equity capital to assets | 8.5012% | 6,260 |
| Core capital (leverage) ratio | 7.2176% | 6,741 |
| Tier 1 risk-based capital ratio | 10.2095% | 6,746 |
| Total risk-based capital ratio | 11.2909% | 6,768 |
| Memoranda: | ||
| Average total assets | $1,036,571,750 | 639 |
| Average earning assets | $957,501,500 | 626 |
| Average equity | $86,059,750 | 809 |
| Average total loans | $740,254,250 | 555 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 3,906 |
| Cost of funding earning assets | 1.1601% | 977 |
| Net interest margin | 3.3093% | 5,414 |
| Noninterest income to average assets | 0.6644% | 2,872 |
| Noninterest expense to average assets | 2.7616% | 4,171 |
| Loan and lease loss provision to assets | 0.2033% | 3,045 |
| Net operating income to assets | 0.4957% | 4,835 |
| Return on assets (ROA) | 0.5200% | 4,994 |
| Pretax return on assets | 0.7903% | 4,507 |
| Return on Equity (ROE) | 6.3143% | 4,147 |
| Retained earnings to average equity (ytd only) | 6.3143% | 2,497 |
| Net charge-offs to loans | 0.1758% | 3,544 |
| Credit loss provision to net charge-offs | 163.0435% | 1,710 |
| Earnings coverage of net charge-offs (x) | 7.6739% | 2,439 |
| Efficiency ratio | 74.5822% | 2,975 |
| Assets per employee ($millions) | 5.2908% | 1,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 6,241 |
| Loan loss allowance to noncurrent loans | 36.7362% | 5,834 |
| Noncurrent assets plus other real estate owned to assets | 1.9534% | 2,838 |
| Noncurrent loans to loans | 2.6588% | 2,258 |
| Net loans and leases to total assets | 71.5786% | 1,633 |
| Net loans and leases to deposits | 92.6092% | 879 |
| Net loans and leases to core deposits | 108.9872% | 616 |
| Total domestic deposits to total assets | 77.2911% | 6,283 |
| Equity capital to assets | 8.3172% | 6,366 |
| Core capital (leverage) ratio | 7.0987% | 6,786 |
| Tier 1 risk-based capital ratio | 10.0927% | 6,802 |
| Total risk-based capital ratio | 11.1520% | 6,835 |
| Memoranda: | ||
| Average total assets | $1,033,086,000 | 642 |
| Average earning assets | $953,377,000 | 627 |
| Average equity | $85,076,330 | 809 |
| Average total loans | $732,635,000 | 558 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4994% | 3,914 |
| Cost of funding earning assets | 1.1965% | 1,002 |
| Net interest margin | 3.3029% | 5,465 |
| Noninterest income to average assets | 0.6090% | 3,170 |
| Noninterest expense to average assets | 2.7905% | 4,070 |
| Loan and lease loss provision to assets | 0.1945% | 2,994 |
| Net operating income to assets | 0.4406% | 5,077 |
| Return on assets (ROA) | 0.4686% | 5,157 |
| Pretax return on assets | 0.7183% | 4,734 |
| Return on Equity (ROE) | 5.7197% | 4,448 |
| Retained earnings to average equity (ytd only) | 5.7197% | 3,134 |
| Net charge-offs to loans | 0.1994% | 2,925 |
| Credit loss provision to net charge-offs | 138.8889% | 1,770 |
| Earnings coverage of net charge-offs (x) | 6.2111% | 2,242 |
| Efficiency ratio | 76.5593% | 2,707 |
| Assets per employee ($millions) | 5.6019% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9821% | 6,314 |
| Loan loss allowance to noncurrent loans | 38.7088% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 1.8759% | 3,078 |
| Noncurrent loans to loans | 2.5371% | 2,568 |
| Net loans and leases to total assets | 69.3808% | 1,868 |
| Net loans and leases to deposits | 88.1514% | 1,147 |
| Net loans and leases to core deposits | 104.8787% | 723 |
| Total domestic deposits to total assets | 78.7064% | 6,146 |
| Equity capital to assets | 8.2540% | 6,311 |
| Core capital (leverage) ratio | 6.9691% | 6,850 |
| Tier 1 risk-based capital ratio | 10.1619% | 6,844 |
| Total risk-based capital ratio | 11.2230% | 6,883 |
| Memoranda: | ||
| Average total assets | $1,028,488,000 | 649 |
| Average earning assets | $950,079,500 | 634 |
| Average equity | $84,270,000 | 813 |
| Average total loans | $722,247,500 | 564 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5907% | 4,708 |
| Cost of funding earning assets | 1.3902% | 1,084 |
| Net interest margin | 3.2005% | 6,095 |
| Noninterest income to average assets | 0.5179% | 3,737 |
| Noninterest expense to average assets | 2.6775% | 4,827 |
| Loan and lease loss provision to assets | 0.2294% | 3,906 |
| Net operating income to assets | 0.3678% | 5,001 |
| Return on assets (ROA) | 0.4051% | 5,018 |
| Pretax return on assets | 0.6153% | 4,644 |
| Return on Equity (ROE) | 5.1395% | 4,322 |
| Retained earnings to average equity (ytd only) | 5.1395% | 2,540 |
| Net charge-offs to loans | 0.2730% | 4,060 |
| Credit loss provision to net charge-offs | 121.7277% | 2,601 |
| Earnings coverage of net charge-offs (x) | 4.1817% | 3,232 |
| Efficiency ratio | 77.5335% | 2,657 |
| Assets per employee ($millions) | 5.6386% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9627% | 6,356 |
| Loan loss allowance to noncurrent loans | 35.8531% | 5,850 |
| Noncurrent assets plus other real estate owned to assets | 2.0216% | 2,941 |
| Noncurrent loans to loans | 2.6851% | 2,420 |
| Net loans and leases to total assets | 69.7026% | 2,090 |
| Net loans and leases to deposits | 89.2795% | 1,228 |
| Net loans and leases to core deposits | 106.1046% | 789 |
| Total domestic deposits to total assets | 78.0724% | 6,176 |
| Equity capital to assets | 8.1329% | 6,491 |
| Core capital (leverage) ratio | 6.9094% | 6,893 |
| Tier 1 risk-based capital ratio | 10.1302% | 6,816 |
| Total risk-based capital ratio | 11.1450% | 6,871 |
| Memoranda: | ||
| Average total assets | $1,013,345,800 | 651 |
| Average earning assets | $933,329,200 | 637 |
| Average equity | $79,871,200 | 841 |
| Average total loans | $699,650,600 | 589 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5955% | 4,880 |
| Cost of funding earning assets | 1.4309% | 1,104 |
| Net interest margin | 3.1646% | 6,246 |
| Noninterest income to average assets | 0.5007% | 3,868 |
| Noninterest expense to average assets | 2.6750% | 4,822 |
| Loan and lease loss provision to assets | 0.2178% | 3,835 |
| Net operating income to assets | 0.3439% | 5,233 |
| Return on assets (ROA) | 0.3908% | 5,226 |
| Pretax return on assets | 0.5915% | 4,838 |
| Return on Equity (ROE) | 4.9990% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.9990% | 3,174 |
| Net charge-offs to loans | 0.2044% | 4,168 |
| Credit loss provision to net charge-offs | 155.0752% | 2,004 |
| Earnings coverage of net charge-offs (x) | 5.2556% | 2,834 |
| Efficiency ratio | 78.6565% | 2,449 |
| Assets per employee ($millions) | 5.3140% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 6,248 |
| Loan loss allowance to noncurrent loans | 37.8172% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 1.9998% | 3,140 |
| Noncurrent loans to loans | 2.6547% | 2,621 |
| Net loans and leases to total assets | 68.8513% | 2,304 |
| Net loans and leases to deposits | 87.7482% | 1,461 |
| Net loans and leases to core deposits | 104.0669% | 979 |
| Total domestic deposits to total assets | 78.4646% | 6,100 |
| Equity capital to assets | 7.9900% | 6,698 |
| Core capital (leverage) ratio | 6.7424% | 7,025 |
| Tier 1 risk-based capital ratio | 10.1249% | 6,918 |
| Total risk-based capital ratio | 11.1944% | 6,956 |
| Memoranda: | ||
| Average total assets | $1,010,127,750 | 659 |
| Average earning assets | $929,646,000 | 645 |
| Average equity | $78,973,750 | 859 |
| Average total loans | $693,999,750 | 600 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 5,082 |
| Cost of funding earning assets | 1.4808% | 1,070 |
| Net interest margin | 3.0935% | 6,421 |
| Noninterest income to average assets | 0.4486% | 4,294 |
| Noninterest expense to average assets | 2.7288% | 4,713 |
| Loan and lease loss provision to assets | 0.1887% | 4,030 |
| Net operating income to assets | 0.2544% | 5,546 |
| Return on assets (ROA) | 0.3065% | 5,484 |
| Pretax return on assets | 0.4502% | 5,229 |
| Return on Equity (ROE) | 3.9501% | 4,962 |
| Retained earnings to average equity (ytd only) | 3.9501% | 3,681 |
| Net charge-offs to loans | 0.2059% | 3,919 |
| Credit loss provision to net charge-offs | 133.9915% | 2,280 |
| Earnings coverage of net charge-offs (x) | 3.9915% | 3,000 |
| Efficiency ratio | 83.2066% | 1,926 |
| Assets per employee ($millions) | 5.6166% | 1,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9684% | 6,456 |
| Loan loss allowance to noncurrent loans | 32.9126% | 6,099 |
| Noncurrent assets plus other real estate owned to assets | 2.2821% | 2,877 |
| Noncurrent loans to loans | 2.9423% | 2,473 |
| Net loans and leases to total assets | 68.5713% | 2,503 |
| Net loans and leases to deposits | 88.7895% | 1,395 |
| Net loans and leases to core deposits | 103.1866% | 1,104 |
| Total domestic deposits to total assets | 77.2290% | 6,420 |
| Equity capital to assets | 7.8882% | 6,750 |
| Core capital (leverage) ratio | 6.6871% | 7,081 |
| Tier 1 risk-based capital ratio | 10.1290% | 6,941 |
| Total risk-based capital ratio | 11.1573% | 7,004 |
| Memoranda: | ||
| Average total assets | $1,006,739,330 | 669 |
| Average earning assets | $925,047,670 | 653 |
| Average equity | $78,124,670 | 868 |
| Average total loans | $688,796,670 | 612 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5573% | 5,144 |
| Cost of funding earning assets | 1.4960% | 1,178 |
| Net interest margin | 3.0613% | 6,438 |
| Noninterest income to average assets | 0.4280% | 4,472 |
| Noninterest expense to average assets | 2.6749% | 4,939 |
| Loan and lease loss provision to assets | 0.1891% | 3,733 |
| Net operating income to assets | 0.2576% | 5,589 |
| Return on assets (ROA) | 0.2847% | 5,552 |
| Pretax return on assets | 0.4181% | 5,289 |
| Return on Equity (ROE) | 3.6993% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.6993% | 3,954 |
| Net charge-offs to loans | 0.1464% | 3,612 |
| Credit loss provision to net charge-offs | 190.0000% | 1,553 |
| Earnings coverage of net charge-offs (x) | 5.7000% | 2,225 |
| Efficiency ratio | 82.7950% | 2,112 |
| Assets per employee ($millions) | 5.7705% | 1,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 6,447 |
| Loan loss allowance to noncurrent loans | 33.5866% | 6,060 |
| Noncurrent assets plus other real estate owned to assets | 2.2180% | 3,044 |
| Noncurrent loans to loans | 2.9391% | 2,555 |
| Net loans and leases to total assets | 66.7934% | 2,815 |
| Net loans and leases to deposits | 86.3977% | 1,666 |
| Net loans and leases to core deposits | 100.2529% | 1,320 |
| Total domestic deposits to total assets | 77.3093% | 6,482 |
| Equity capital to assets | 7.6413% | 6,788 |
| Core capital (leverage) ratio | 6.6170% | 7,139 |
| Tier 1 risk-based capital ratio | 10.1362% | 6,955 |
| Total risk-based capital ratio | 11.1810% | 7,028 |
| Memoranda: | ||
| Average total assets | $1,004,613,000 | 671 |
| Average earning assets | $923,534,500 | 661 |
| Average equity | $77,312,500 | 869 |
| Average total loans | $683,180,500 | 627 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8792% | 5,118 |
| Cost of funding earning assets | 1.7940% | 1,195 |
| Net interest margin | 3.0852% | 6,556 |
| Noninterest income to average assets | 0.4940% | 4,212 |
| Noninterest expense to average assets | 2.6140% | 5,357 |
| Loan and lease loss provision to assets | 0.2802% | 4,570 |
| Net operating income to assets | 0.2873% | 4,972 |
| Return on assets (ROA) | 0.3059% | 5,087 |
| Pretax return on assets | 0.4515% | 4,789 |
| Return on Equity (ROE) | 3.9606% | 4,549 |
| Retained earnings to average equity (ytd only) | 3.9606% | 3,096 |
| Net charge-offs to loans | 0.3427% | 4,298 |
| Credit loss provision to net charge-offs | 116.6737% | 3,677 |
| Earnings coverage of net charge-offs (x) | 2.9330% | 3,605 |
| Efficiency ratio | 79.0065% | 2,538 |
| Assets per employee ($millions) | 5.9857% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9597% | 6,533 |
| Loan loss allowance to noncurrent loans | 36.9629% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 1.9971% | 3,350 |
| Noncurrent loans to loans | 2.5964% | 2,935 |
| Net loans and leases to total assets | 67.9034% | 3,005 |
| Net loans and leases to deposits | 87.1922% | 1,909 |
| Net loans and leases to core deposits | 100.6629% | 1,562 |
| Total domestic deposits to total assets | 77.8779% | 6,341 |
| Equity capital to assets | 7.7514% | 6,706 |
| Core capital (leverage) ratio | 6.5777% | 7,177 |
| Tier 1 risk-based capital ratio | 10.1238% | 6,919 |
| Total risk-based capital ratio | 11.1410% | 7,017 |
| Memoranda: | ||
| Average total assets | $981,616,400 | 671 |
| Average earning assets | $898,565,800 | 670 |
| Average equity | $75,822,000 | 871 |
| Average total loans | $687,867,400 | 639 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 5,168 |
| Cost of funding earning assets | 1.8508% | 1,209 |
| Net interest margin | 3.0698% | 6,688 |
| Noninterest income to average assets | 0.4887% | 4,275 |
| Noninterest expense to average assets | 2.6164% | 5,255 |
| Loan and lease loss provision to assets | 0.3338% | 3,937 |
| Net operating income to assets | 0.2432% | 5,379 |
| Return on assets (ROA) | 0.2556% | 5,490 |
| Pretax return on assets | 0.3638% | 5,335 |
| Return on Equity (ROE) | 3.3120% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.3120% | 4,119 |
| Net charge-offs to loans | 0.3896% | 3,730 |
| Credit loss provision to net charge-offs | 121.5881% | 3,382 |
| Earnings coverage of net charge-offs (x) | 2.4764% | 3,927 |
| Efficiency ratio | 79.6065% | 2,405 |
| Assets per employee ($millions) | 5.9552% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9496% | 6,571 |
| Loan loss allowance to noncurrent loans | 35.1684% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 3,225 |
| Noncurrent loans to loans | 2.7000% | 2,932 |
| Net loans and leases to total assets | 69.4316% | 2,873 |
| Net loans and leases to deposits | 89.7521% | 1,756 |
| Net loans and leases to core deposits | 104.1344% | 1,473 |
| Total domestic deposits to total assets | 77.3593% | 6,404 |
| Equity capital to assets | 7.7974% | 6,931 |
| Core capital (leverage) ratio | 6.5143% | 7,330 |
| Tier 1 risk-based capital ratio | 9.7759% | 7,165 |
| Total risk-based capital ratio | 10.7910% | 7,244 |
| Memoranda: | ||
| Average total assets | $978,614,000 | 673 |
| Average earning assets | $895,014,250 | 668 |
| Average equity | $75,522,500 | 874 |
| Average total loans | $689,523,250 | 635 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9422% | 5,215 |
| Cost of funding earning assets | 1.9099% | 1,207 |
| Net interest margin | 3.0323% | 6,764 |
| Noninterest income to average assets | 0.4737% | 4,331 |
| Noninterest expense to average assets | 2.5949% | 5,346 |
| Loan and lease loss provision to assets | 0.3589% | 3,555 |
| Net operating income to assets | 0.2101% | 5,524 |
| Return on assets (ROA) | 0.2266% | 5,606 |
| Pretax return on assets | 0.3142% | 5,459 |
| Return on Equity (ROE) | 2.9466% | 5,255 |
| Retained earnings to average equity (ytd only) | 2.9466% | 4,253 |
| Net charge-offs to loans | 0.5604% | 2,854 |
| Credit loss provision to net charge-offs | 90.7206% | 4,406 |
| Earnings coverage of net charge-offs (x) | 1.6433% | 4,273 |
| Efficiency ratio | 80.2010% | 2,418 |
| Assets per employee ($millions) | 5.8277% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 6,877 |
| Loan loss allowance to noncurrent loans | 37.2689% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 1.9393% | 3,565 |
| Noncurrent loans to loans | 2.3106% | 3,357 |
| Net loans and leases to total assets | 69.7391% | 2,968 |
| Net loans and leases to deposits | 91.3163% | 1,647 |
| Net loans and leases to core deposits | 106.0374% | 1,442 |
| Total domestic deposits to total assets | 76.3709% | 6,616 |
| Equity capital to assets | 7.6853% | 7,007 |
| Core capital (leverage) ratio | 6.3984% | 7,406 |
| Tier 1 risk-based capital ratio | 9.5774% | 7,232 |
| Total risk-based capital ratio | 10.4988% | 7,355 |
| Memoranda: | ||
| Average total assets | $975,298,670 | 675 |
| Average earning assets | $891,338,000 | 670 |
| Average equity | $75,002,670 | 874 |
| Average total loans | $688,380,000 | 637 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9761% | 5,132 |
| Cost of funding earning assets | 1.9644% | 1,199 |
| Net interest margin | 3.0117% | 6,805 |
| Noninterest income to average assets | 0.4814% | 4,194 |
| Noninterest expense to average assets | 2.6242% | 5,252 |
| Loan and lease loss provision to assets | 0.3297% | 3,421 |
| Net operating income to assets | 0.2030% | 5,677 |
| Return on assets (ROA) | 0.2180% | 5,744 |
| Pretax return on assets | 0.2980% | 5,609 |
| Return on Equity (ROE) | 2.8342% | 5,417 |
| Retained earnings to average equity (ytd only) | 2.8342% | 4,434 |
| Net charge-offs to loans | 0.3859% | 2,888 |
| Credit loss provision to net charge-offs | 120.8459% | 2,889 |
| Earnings coverage of net charge-offs (x) | 2.2251% | 3,427 |
| Efficiency ratio | 81.4541% | 2,358 |
| Assets per employee ($millions) | 5.6478% | 1,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 6,776 |
| Loan loss allowance to noncurrent loans | 38.6908% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 1.9330% | 3,584 |
| Noncurrent loans to loans | 2.3756% | 3,305 |
| Net loans and leases to total assets | 69.3195% | 3,086 |
| Net loans and leases to deposits | 92.8327% | 1,495 |
| Net loans and leases to core deposits | 108.9548% | 1,358 |
| Total domestic deposits to total assets | 74.6714% | 6,953 |
| Equity capital to assets | 7.6906% | 6,937 |
| Core capital (leverage) ratio | 6.5264% | 7,455 |
| Tier 1 risk-based capital ratio | 9.6095% | 7,243 |
| Total risk-based capital ratio | 10.5807% | 7,377 |
| Memoranda: | ||
| Average total assets | $970,506,000 | 699 |
| Average earning assets | $886,154,000 | 693 |
| Average equity | $74,658,500 | 884 |
| Average total loans | $686,162,500 | 662 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 5,111 |
| Cost of funding earning assets | 2.4119% | 1,261 |
| Net interest margin | 2.9023% | 6,866 |
| Noninterest income to average assets | 0.4989% | 4,422 |
| Noninterest expense to average assets | 2.7472% | 5,172 |
| Loan and lease loss provision to assets | 0.1757% | 5,942 |
| Net operating income to assets | 0.1557% | 5,036 |
| Return on assets (ROA) | 0.2606% | 4,769 |
| Pretax return on assets | 0.3638% | 4,601 |
| Return on Equity (ROE) | 3.4418% | 4,313 |
| Retained earnings to average equity (ytd only) | 3.4418% | 2,758 |
| Net charge-offs to loans | 0.2384% | 5,130 |
| Credit loss provision to net charge-offs | 99.7024% | 5,592 |
| Earnings coverage of net charge-offs (x) | 2.2345% | 4,040 |
| Efficiency ratio | 87.6390% | 1,918 |
| Assets per employee ($millions) | 5.6043% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 6,849 |
| Loan loss allowance to noncurrent loans | 61.9331% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 4,398 |
| Noncurrent loans to loans | 1.4406% | 4,511 |
| Net loans and leases to total assets | 70.8131% | 3,049 |
| Net loans and leases to deposits | 95.1899% | 1,434 |
| Net loans and leases to core deposits | 129.4804% | 1,307 |
| Total domestic deposits to total assets | 74.3914% | 6,960 |
| Equity capital to assets | 7.6949% | 6,865 |
| Core capital (leverage) ratio | 6.4474% | 7,511 |
| Tier 1 risk-based capital ratio | 9.4167% | 7,273 |
| Total risk-based capital ratio | 10.3590% | 7,441 |
| Memoranda: | ||
| Average total assets | $953,228,000 | 700 |
| Average earning assets | $867,774,600 | 700 |
| Average equity | $72,171,600 | 908 |
| Average total loans | $704,592,400 | 661 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3471% | 5,188 |
| Cost of funding earning assets | 2.4906% | 1,332 |
| Net interest margin | 2.8566% | 6,951 |
| Noninterest income to average assets | 0.4950% | 4,526 |
| Noninterest expense to average assets | 2.7710% | 5,015 |
| Loan and lease loss provision to assets | 0.1859% | 5,514 |
| Net operating income to assets | 0.1030% | 5,454 |
| Return on assets (ROA) | 0.2241% | 5,159 |
| Pretax return on assets | 0.3021% | 5,058 |
| Return on Equity (ROE) | 2.9728% | 4,809 |
| Retained earnings to average equity (ytd only) | 2.9728% | 3,666 |
| Net charge-offs to loans | 0.2235% | 4,649 |
| Credit loss provision to net charge-offs | 111.5320% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.9461% | 4,356 |
| Efficiency ratio | 89.5228% | 1,732 |
| Assets per employee ($millions) | 5.4781% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 6,707 |
| Loan loss allowance to noncurrent loans | 59.8249% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 4,442 |
| Noncurrent loans to loans | 1.5245% | 4,370 |
| Net loans and leases to total assets | 71.6597% | 3,117 |
| Net loans and leases to deposits | 97.8013% | 1,351 |
| Net loans and leases to core deposits | 132.3584% | 1,315 |
| Total domestic deposits to total assets | 73.2707% | 7,053 |
| Equity capital to assets | 7.6984% | 7,150 |
| Core capital (leverage) ratio | 6.2111% | 7,758 |
| Tier 1 risk-based capital ratio | 9.1126% | 7,579 |
| Total risk-based capital ratio | 10.0879% | 7,699 |
| Memoranda: | ||
| Average total assets | $950,550,250 | 715 |
| Average earning assets | $865,264,000 | 712 |
| Average equity | $71,671,000 | 928 |
| Average total loans | $708,555,500 | 674 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 5,362 |
| Cost of funding earning assets | 2.5433% | 1,467 |
| Net interest margin | 2.8159% | 6,983 |
| Noninterest income to average assets | 0.4890% | 4,542 |
| Noninterest expense to average assets | 2.7831% | 5,033 |
| Loan and lease loss provision to assets | 0.2211% | 4,820 |
| Net operating income to assets | 0.0383% | 5,736 |
| Return on assets (ROA) | 0.1748% | 5,440 |
| Pretax return on assets | 0.2361% | 5,369 |
| Return on Equity (ROE) | 2.3347% | 5,166 |
| Retained earnings to average equity (ytd only) | 2.3347% | 4,037 |
| Net charge-offs to loans | 0.2733% | 3,830 |
| Credit loss provision to net charge-offs | 107.4719% | 4,296 |
| Earnings coverage of net charge-offs (x) | 1.3255% | 4,528 |
| Efficiency ratio | 91.0751% | 1,724 |
| Assets per employee ($millions) | 5.4582% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 6,848 |
| Loan loss allowance to noncurrent loans | 70.4358% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.2159% | 4,502 |
| Noncurrent loans to loans | 1.2506% | 4,707 |
| Net loans and leases to total assets | 72.8939% | 2,976 |
| Net loans and leases to deposits | 102.5141% | 1,034 |
| Net loans and leases to core deposits | 139.6248% | 1,030 |
| Total domestic deposits to total assets | 71.1062% | 7,351 |
| Equity capital to assets | 7.4437% | 7,317 |
| Core capital (leverage) ratio | 5.9608% | 7,932 |
| Tier 1 risk-based capital ratio | 8.4742% | 7,846 |
| Total risk-based capital ratio | 9.4284% | 7,919 |
| Memoranda: | ||
| Average total assets | $949,671,670 | 735 |
| Average earning assets | $865,647,000 | 731 |
| Average equity | $71,101,330 | 943 |
| Average total loans | $714,961,670 | 689 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4221% | 5,306 |
| Cost of funding earning assets | 2.6181% | 1,506 |
| Net interest margin | 2.8040% | 6,985 |
| Noninterest income to average assets | 0.4508% | 4,760 |
| Noninterest expense to average assets | 2.7046% | 4,986 |
| Loan and lease loss provision to assets | 0.1695% | 4,775 |
| Net operating income to assets | 0.0954% | 5,993 |
| Return on assets (ROA) | 0.2504% | 5,650 |
| Pretax return on assets | 0.3474% | 5,541 |
| Return on Equity (ROE) | 3.3343% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.3343% | 4,023 |
| Net charge-offs to loans | 0.1112% | 4,077 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 3.5600% | 3,138 |
| Efficiency ratio | 89.9662% | 1,720 |
| Assets per employee ($millions) | 5.4544% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8825% | 6,823 |
| Loan loss allowance to noncurrent loans | 59.4013% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 1.2931% | 4,095 |
| Noncurrent loans to loans | 1.4857% | 4,064 |
| Net loans and leases to total assets | 75.1480% | 2,466 |
| Net loans and leases to deposits | 107.9273% | 729 |
| Net loans and leases to core deposits | 143.2954% | 956 |
| Total domestic deposits to total assets | 69.6284% | 7,460 |
| Equity capital to assets | 7.4561% | 7,388 |
| Core capital (leverage) ratio | 5.8109% | 8,033 |
| Tier 1 risk-based capital ratio | 8.1471% | 7,995 |
| Total risk-based capital ratio | 9.1136% | 8,047 |
| Memoranda: | ||
| Average total assets | $944,186,500 | 740 |
| Average earning assets | $860,485,500 | 735 |
| Average equity | $70,898,500 | 950 |
| Average total loans | $719,206,500 | 693 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8754% | 6,158 |
| Cost of funding earning assets | 3.1865% | 1,238 |
| Net interest margin | 2.6889% | 7,513 |
| Noninterest income to average assets | 0.4840% | 4,764 |
| Noninterest expense to average assets | 2.5013% | 6,001 |
| Loan and lease loss provision to assets | 0.1369% | 5,605 |
| Net operating income to assets | 0.3146% | 5,496 |
| Return on assets (ROA) | 0.0284% | 6,140 |
| Pretax return on assets | 0.0114% | 6,135 |
| Return on Equity (ROE) | 0.3807% | 6,115 |
| Retained earnings to average equity (ytd only) | 0.3807% | 5,015 |
| Net charge-offs to loans | 0.2112% | 4,098 |
| Credit loss provision to net charge-offs | 85.9788% | 5,763 |
| Earnings coverage of net charge-offs (x) | 2.7288% | 4,718 |
| Efficiency ratio | 85.2003% | 1,933 |
| Assets per employee ($millions) | 5.5581% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 6,872 |
| Loan loss allowance to noncurrent loans | 63.1222% | 4,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2270% | 3,771 |
| Noncurrent loans to loans | 1.3553% | 3,810 |
| Net loans and leases to total assets | 75.8760% | 2,660 |
| Net loans and leases to deposits | 111.6638% | 729 |
| Net loans and leases to core deposits | 148.3496% | 921 |
| Total domestic deposits to total assets | 67.9504% | 7,474 |
| Equity capital to assets | 7.5623% | 7,333 |
| Core capital (leverage) ratio | 6.0538% | 8,066 |
| Tier 1 risk-based capital ratio | 8.6222% | 7,963 |
| Total risk-based capital ratio | 9.5606% | 8,074 |
| Memoranda: | ||
| Average total assets | $949,634,200 | 700 |
| Average earning assets | $865,902,200 | 696 |
| Average equity | $70,916,000 | 936 |
| Average total loans | $715,978,600 | 667 |