Home > Bank of the Pacific > Performance and Condition Ratios
Bank of the Pacific, 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 | 4.8994% | 2,274 |
| Cost of funding earning assets | 0.4724% | 4,224 |
| Net interest margin | 4.4269% | 684 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.9914% | 1,134 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 1.2992% | 1,439 |
| Return on assets (ROA) | 1.2889% | 1,427 |
| Pretax return on assets | 1.5897% | 1,254 |
| Return on Equity (ROE) | 13.0000% | 1,728 |
| Retained earnings to average equity (ytd only) | 7.0948% | 1,866 |
| Net charge-offs to loans | 0.0277% | 1,754 |
| Credit loss provision to net charge-offs | 346.4481% | 859 |
| Earnings coverage of net charge-offs (x) | 109.4044% | 860 |
| Efficiency ratio | 64.5181% | 2,541 |
| Assets per employee ($millions) | 4.9479% | 3,678 |
| Cash dividends to net income (ytd only)* | 45.4163% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2441% | 2,052 |
| Loan loss allowance to noncurrent loans | 1,284.6386% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 3,197 |
| Noncurrent loans to loans | 0.0968% | 3,054 |
| Net loans and leases to total assets | 58.9900% | 2,947 |
| Net loans and leases to deposits | 67.0506% | 3,104 |
| Net loans and leases to core deposits | 69.5627% | 3,334 |
| Total domestic deposits to total assets | 87.9700% | 1,371 |
| Equity capital to assets | 11.0366% | 1,458 |
| Core capital (leverage) ratio | 11.2078% | 1,818 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5769% | 983 |
| Memoranda: | ||
| Average total assets | $1,217,004,400 | 844 |
| Average earning assets | $1,132,406,000 | 834 |
| Average equity | $120,679,600 | 821 |
| Average total loans | $660,214,800 | 1,013 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8306% | 2,204 |
| Cost of funding earning assets | 0.3983% | 4,261 |
| Net interest margin | 4.4323% | 677 |
| Noninterest income to average assets | 0.5200% | 1,861 |
| Noninterest expense to average assets | 2.9146% | 1,201 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.3617% | 1,395 |
| Return on assets (ROA) | 1.3482% | 1,409 |
| Pretax return on assets | 1.6706% | 1,215 |
| Return on Equity (ROE) | 13.9600% | 1,661 |
| Retained earnings to average equity (ytd only) | 8.6335% | 1,784 |
| Net charge-offs to loans | 0.0414% | 1,293 |
| Credit loss provision to net charge-offs | 232.0197% | 1,028 |
| Earnings coverage of net charge-offs (x) | 78.9507% | 1,056 |
| Efficiency ratio | 62.7348% | 2,635 |
| Assets per employee ($millions) | 5.2964% | 3,354 |
| Cash dividends to net income (ytd only)* | 38.1700% | 1,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2425% | 2,152 |
| Loan loss allowance to noncurrent loans | 684.7416% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.1032% | 2,885 |
| Noncurrent loans to loans | 0.1815% | 2,636 |
| Net loans and leases to total assets | 56.1700% | 3,189 |
| Net loans and leases to deposits | 63.0835% | 3,320 |
| Net loans and leases to core deposits | 65.0671% | 3,477 |
| Total domestic deposits to total assets | 89.0400% | 1,231 |
| Equity capital to assets | 10.0646% | 1,796 |
| Core capital (leverage) ratio | 10.7184% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5719% | 1,008 |
| Memoranda: | ||
| Average total assets | $1,234,274,750 | 839 |
| Average earning assets | $1,150,056,000 | 824 |
| Average equity | $119,176,500 | 827 |
| Average total loans | $653,854,250 | 1,020 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7002% | 2,203 |
| Cost of funding earning assets | 0.2948% | 4,321 |
| Net interest margin | 4.4055% | 702 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.8652% | 1,293 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 1.3894% | 1,361 |
| Return on assets (ROA) | 1.3695% | 1,384 |
| Pretax return on assets | 1.6976% | 1,219 |
| Return on Equity (ROE) | 14.3700% | 1,607 |
| Retained earnings to average equity (ytd only) | 9.1702% | 1,638 |
| Net charge-offs to loans | 0.0244% | 1,394 |
| Credit loss provision to net charge-offs | 282.2785% | 893 |
| Earnings coverage of net charge-offs (x) | 138.5570% | 783 |
| Efficiency ratio | 62.1010% | 2,703 |
| Assets per employee ($millions) | 5.5401% | 3,113 |
| Cash dividends to net income (ytd only)* | 36.2067% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 2,180 |
| Loan loss allowance to noncurrent loans | 856.5625% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 2,975 |
| Noncurrent loans to loans | 0.1458% | 2,735 |
| Net loans and leases to total assets | 53.8500% | 3,281 |
| Net loans and leases to deposits | 60.3325% | 3,404 |
| Net loans and leases to core deposits | 61.4387% | 3,561 |
| Total domestic deposits to total assets | 89.2500% | 1,157 |
| Equity capital to assets | 10.0358% | 1,835 |
| Core capital (leverage) ratio | 10.4553% | 2,348 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7014% | 1,003 |
| Memoranda: | ||
| Average total assets | $1,252,003,333 | 820 |
| Average earning assets | $1,167,004,667 | 811 |
| Average equity | $119,278,000 | 819 |
| Average total loans | $647,882,000 | 1,009 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6082% | 2,067 |
| Cost of funding earning assets | 0.1282% | 4,495 |
| Net interest margin | 4.4800% | 601 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.8502% | 1,337 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 1.4122% | 1,375 |
| Return on assets (ROA) | 1.3729% | 1,452 |
| Pretax return on assets | 1.6815% | 1,312 |
| Return on Equity (ROE) | 14.7800% | 1,603 |
| Retained earnings to average equity (ytd only) | 9.6996% | 1,769 |
| Net charge-offs to loans | -0.0006% | 3,284 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.5776% | 2,747 |
| Assets per employee ($millions) | 5.6748% | 3,047 |
| Cash dividends to net income (ytd only)* | 34.3929% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,150 |
| Loan loss allowance to noncurrent loans | 856.5036% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 3,026 |
| Noncurrent loans to loans | 0.1490% | 2,748 |
| Net loans and leases to total assets | 51.2500% | 3,400 |
| Net loans and leases to deposits | 57.3372% | 3,486 |
| Net loans and leases to core deposits | 58.0631% | 3,627 |
| Total domestic deposits to total assets | 89.3800% | 1,388 |
| Equity capital to assets | 9.7557% | 1,959 |
| Core capital (leverage) ratio | 9.8148% | 2,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4275% | 1,085 |
| Memoranda: | ||
| Average total assets | $1,274,135,000 | 828 |
| Average earning assets | $1,188,315,000 | 813 |
| Average equity | $118,314,000 | 833 |
| Average total loans | $642,553,500 | 1,025 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 3,371 |
| Cost of funding earning assets | 0.0600% | 4,548 |
| Net interest margin | 3.3287% | 2,485 |
| Noninterest income to average assets | 0.5400% | 1,892 |
| Noninterest expense to average assets | 2.5951% | 1,839 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8703% | 3,082 |
| Return on assets (ROA) | 0.8703% | 3,014 |
| Pretax return on assets | 1.0601% | 2,891 |
| Return on Equity (ROE) | 9.7600% | 2,882 |
| Retained earnings to average equity (ytd only) | 4.5287% | 3,227 |
| Net charge-offs to loans | 0.0098% | 2,011 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 231.1803% | 579 |
| Efficiency ratio | 70.9808% | 1,564 |
| Assets per employee ($millions) | 5.9072% | 2,842 |
| Cash dividends to net income (ytd only)* | 53.6149% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2870% | 1,964 |
| Loan loss allowance to noncurrent loans | 947.7560% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.0666% | 3,137 |
| Noncurrent loans to loans | 0.1358% | 2,832 |
| Net loans and leases to total assets | 48.3900% | 3,648 |
| Net loans and leases to deposits | 53.4925% | 3,706 |
| Net loans and leases to core deposits | 53.9410% | 3,809 |
| Total domestic deposits to total assets | 90.4600% | 1,169 |
| Equity capital to assets | 8.8385% | 2,463 |
| Core capital (leverage) ratio | 9.0972% | 3,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0074% | 1,126 |
| Memoranda: | ||
| Average total assets | $1,330,253,400 | 770 |
| Average earning assets | $1,243,952,200 | 766 |
| Average equity | $118,576,400 | 825 |
| Average total loans | $624,870,600 | 1,011 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0708% | 3,737 |
| Cost of funding earning assets | 0.0547% | 4,554 |
| Net interest margin | 3.0161% | 3,181 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 2.5923% | 1,730 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6614% | 3,662 |
| Return on assets (ROA) | 0.6614% | 3,626 |
| Pretax return on assets | 0.7946% | 3,591 |
| Return on Equity (ROE) | 7.4100% | 3,485 |
| Retained earnings to average equity (ytd only) | 2.6058% | 3,890 |
| Net charge-offs to loans | 0.0103% | 1,730 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 165.9375% | 708 |
| Efficiency ratio | 76.5207% | 1,033 |
| Assets per employee ($millions) | 6.2477% | 2,540 |
| Cash dividends to net income (ytd only)* | 64.8115% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 1,903 |
| Loan loss allowance to noncurrent loans | 917.5751% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 3,238 |
| Noncurrent loans to loans | 0.1446% | 2,894 |
| Net loans and leases to total assets | 44.6200% | 3,842 |
| Net loans and leases to deposits | 48.8923% | 3,917 |
| Net loans and leases to core deposits | 49.2999% | 3,981 |
| Total domestic deposits to total assets | 91.2600% | 1,136 |
| Equity capital to assets | 8.0711% | 2,856 |
| Core capital (leverage) ratio | 8.7609% | 3,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3366% | 1,117 |
| Memoranda: | ||
| Average total assets | $1,336,444,000 | 776 |
| Average earning assets | $1,250,482,750 | 764 |
| Average equity | $119,374,000 | 834 |
| Average total loans | $621,098,750 | 1,006 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8454% | 3,905 |
| Cost of funding earning assets | 0.0559% | 4,559 |
| Net interest margin | 2.7895% | 3,474 |
| Noninterest income to average assets | 0.6004% | 1,736 |
| Noninterest expense to average assets | 2.5896% | 1,666 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5338% | 3,812 |
| Return on assets (ROA) | 0.5338% | 3,763 |
| Pretax return on assets | 0.6211% | 3,773 |
| Return on Equity (ROE) | 5.7830% | 3,636 |
| Retained earnings to average equity (ytd only) | 0.9608% | 4,003 |
| Net charge-offs to loans | 0.0052% | 1,827 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 256.9375% | 461 |
| Efficiency ratio | 80.6362% | 894 |
| Assets per employee ($millions) | 5.6960% | 3,031 |
| Cash dividends to net income (ytd only)* | 83.3852% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 1,922 |
| Loan loss allowance to noncurrent loans | 667.9032% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.0934% | 3,067 |
| Noncurrent loans to loans | 0.2037% | 2,696 |
| Net loans and leases to total assets | 45.2493% | 3,751 |
| Net loans and leases to deposits | 49.8888% | 3,812 |
| Net loans and leases to core deposits | 50.2699% | 3,922 |
| Total domestic deposits to total assets | 90.7003% | 1,379 |
| Equity capital to assets | 8.6848% | 2,624 |
| Core capital (leverage) ratio | 8.9424% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6908% | 1,258 |
| Memoranda: | ||
| Average total assets | $1,323,757,333 | 775 |
| Average earning assets | $1,238,712,000 | 775 |
| Average equity | $122,186,333 | 822 |
| Average total loans | $620,948,333 | 996 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7965% | 3,753 |
| Cost of funding earning assets | 0.0576% | 4,543 |
| Net interest margin | 2.7389% | 3,315 |
| Noninterest income to average assets | 0.6033% | 1,680 |
| Noninterest expense to average assets | 2.5612% | 1,719 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5358% | 3,607 |
| Return on assets (ROA) | 0.5358% | 3,575 |
| Pretax return on assets | 0.6030% | 3,625 |
| Return on Equity (ROE) | 5.6379% | 3,442 |
| Retained earnings to average equity (ytd only) | 1.3402% | 3,738 |
| Net charge-offs to loans | 0.0140% | 1,261 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 90.5909% | 709 |
| Efficiency ratio | 80.9237% | 1,078 |
| Assets per employee ($millions) | 5.7599% | 3,049 |
| Cash dividends to net income (ytd only)* | 76.2281% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3357% | 2,194 |
| Loan loss allowance to noncurrent loans | 691.3952% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 3,171 |
| Noncurrent loans to loans | 0.1932% | 2,853 |
| Net loans and leases to total assets | 46.1449% | 3,561 |
| Net loans and leases to deposits | 51.1037% | 3,639 |
| Net loans and leases to core deposits | 51.5214% | 3,768 |
| Total domestic deposits to total assets | 90.2967% | 1,387 |
| Equity capital to assets | 9.1421% | 2,586 |
| Core capital (leverage) ratio | 8.8401% | 3,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4092% | 1,165 |
| Memoranda: | ||
| Average total assets | $1,322,056,000 | 786 |
| Average earning assets | $1,236,124,000 | 784 |
| Average equity | $125,649,000 | 820 |
| Average total loans | $627,016,000 | 981 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2032% | 3,463 |
| Cost of funding earning assets | 0.0858% | 4,491 |
| Net interest margin | 3.1175% | 2,849 |
| Noninterest income to average assets | 1.2359% | 696 |
| Noninterest expense to average assets | 3.1670% | 763 |
| Loan and lease loss provision to assets | -0.2871% | 4,765 |
| Net operating income to assets | 1.0402% | 2,521 |
| Return on assets (ROA) | 1.0402% | 2,590 |
| Pretax return on assets | 1.2779% | 2,428 |
| Return on Equity (ROE) | 10.2570% | 2,429 |
| Retained earnings to average equity (ytd only) | 5.3631% | 2,638 |
| Net charge-offs to loans | 0.0169% | 1,949 |
| Credit loss provision to net charge-offs | -3,041.6667% | 4,111 |
| Earnings coverage of net charge-offs (x) | 104.9667% | 862 |
| Efficiency ratio | 76.1498% | 1,095 |
| Assets per employee ($millions) | 5.7613% | 2,998 |
| Cash dividends to net income (ytd only)* | 47.7127% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,320 |
| Loan loss allowance to noncurrent loans | 679.5250% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.0925% | 3,292 |
| Noncurrent loans to loans | 0.1925% | 2,986 |
| Net loans and leases to total assets | 47.4589% | 3,546 |
| Net loans and leases to deposits | 53.0985% | 3,657 |
| Net loans and leases to core deposits | 53.6831% | 3,776 |
| Total domestic deposits to total assets | 89.3789% | 1,310 |
| Equity capital to assets | 9.8675% | 2,785 |
| Core capital (leverage) ratio | 8.8007% | 3,616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5729% | 1,149 |
| Memoranda: | ||
| Average total assets | $1,271,337,200 | 784 |
| Average earning assets | $1,191,571,200 | 776 |
| Average equity | $128,936,400 | 807 |
| Average total loans | $708,973,800 | 871 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2663% | 3,470 |
| Cost of funding earning assets | 0.0925% | 4,561 |
| Net interest margin | 3.1738% | 2,816 |
| Noninterest income to average assets | 1.3652% | 635 |
| Noninterest expense to average assets | 3.2860% | 609 |
| Loan and lease loss provision to assets | -0.3706% | 4,852 |
| Net operating income to assets | 1.1635% | 2,310 |
| Return on assets (ROA) | 1.1635% | 2,374 |
| Pretax return on assets | 1.4280% | 2,221 |
| Return on Equity (ROE) | 11.3921% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.3543% | 2,672 |
| Net charge-offs to loans | 0.0075% | 2,040 |
| Credit loss provision to net charge-offs | -8,536.5854% | 4,196 |
| Earnings coverage of net charge-offs (x) | 243.6098% | 489 |
| Efficiency ratio | 75.6344% | 1,061 |
| Assets per employee ($millions) | 5.5668% | 3,128 |
| Cash dividends to net income (ytd only)* | 44.2220% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,707 |
| Loan loss allowance to noncurrent loans | 473.9855% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 3,215 |
| Noncurrent loans to loans | 0.2649% | 2,862 |
| Net loans and leases to total assets | 50.1929% | 3,396 |
| Net loans and leases to deposits | 56.1087% | 3,569 |
| Net loans and leases to core deposits | 56.8479% | 3,710 |
| Total domestic deposits to total assets | 89.4565% | 1,037 |
| Equity capital to assets | 9.7346% | 3,165 |
| Core capital (leverage) ratio | 8.7452% | 3,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2160% | 1,307 |
| Memoranda: | ||
| Average total assets | $1,259,338,750 | 798 |
| Average earning assets | $1,181,723,250 | 791 |
| Average equity | $128,624,250 | 818 |
| Average total loans | $727,608,000 | 866 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2775% | 3,488 |
| Cost of funding earning assets | 0.1027% | 4,563 |
| Net interest margin | 3.1749% | 2,835 |
| Noninterest income to average assets | 1.5797% | 497 |
| Noninterest expense to average assets | 3.3664% | 561 |
| Loan and lease loss provision to assets | -0.4863% | 4,904 |
| Net operating income to assets | 1.3385% | 1,751 |
| Return on assets (ROA) | 1.3385% | 1,825 |
| Pretax return on assets | 1.6771% | 1,537 |
| Return on Equity (ROE) | 12.8868% | 1,759 |
| Retained earnings to average equity (ytd only) | 8.0486% | 2,059 |
| Net charge-offs to loans | -0.0027% | 3,262 |
| Credit loss provision to net charge-offs | 30,000.0000% | 13 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8520% | 1,255 |
| Assets per employee ($millions) | 5.2873% | 3,361 |
| Cash dividends to net income (ytd only)* | 37.5439% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 2,696 |
| Loan loss allowance to noncurrent loans | 499.0654% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 3,311 |
| Noncurrent loans to loans | 0.2497% | 3,051 |
| Net loans and leases to total assets | 55.7554% | 2,932 |
| Net loans and leases to deposits | 62.8516% | 3,119 |
| Net loans and leases to core deposits | 63.7624% | 3,311 |
| Total domestic deposits to total assets | 88.7096% | 1,445 |
| Equity capital to assets | 10.1029% | 2,761 |
| Core capital (leverage) ratio | 9.1812% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5887% | 1,447 |
| Memoranda: | ||
| Average total assets | $1,233,772,333 | 808 |
| Average earning assets | $1,157,094,000 | 799 |
| Average equity | $128,146,333 | 818 |
| Average total loans | $743,769,667 | 857 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4048% | 3,179 |
| Cost of funding earning assets | 0.1160% | 4,546 |
| Net interest margin | 3.2888% | 2,426 |
| Noninterest income to average assets | 1.7080% | 485 |
| Noninterest expense to average assets | 3.4482% | 501 |
| Loan and lease loss provision to assets | -0.4645% | 4,910 |
| Net operating income to assets | 1.4529% | 1,437 |
| Return on assets (ROA) | 1.4529% | 1,504 |
| Pretax return on assets | 1.8096% | 1,275 |
| Return on Equity (ROE) | 13.7866% | 1,476 |
| Retained earnings to average equity (ytd only) | 9.5364% | 1,791 |
| Net charge-offs to loans | -0.0282% | 4,144 |
| Credit loss provision to net charge-offs | 2,641.5094% | 202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9180% | 1,503 |
| Assets per employee ($millions) | 4.9776% | 3,684 |
| Cash dividends to net income (ytd only)* | 30.8290% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,768 |
| Loan loss allowance to noncurrent loans | 486.6546% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 3,286 |
| Noncurrent loans to loans | 0.2983% | 3,028 |
| Net loans and leases to total assets | 58.4939% | 2,745 |
| Net loans and leases to deposits | 66.1994% | 2,902 |
| Net loans and leases to core deposits | 67.6631% | 3,087 |
| Total domestic deposits to total assets | 88.3601% | 1,678 |
| Equity capital to assets | 10.2537% | 2,475 |
| Core capital (leverage) ratio | 9.5121% | 3,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6634% | 1,394 |
| Memoranda: | ||
| Average total assets | $1,205,603,000 | 818 |
| Average earning assets | $1,130,979,000 | 808 |
| Average equity | $127,050,500 | 817 |
| Average total loans | $751,462,500 | 850 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 2,285 |
| Cost of funding earning assets | 0.2077% | 4,557 |
| Net interest margin | 3.9401% | 1,115 |
| Noninterest income to average assets | 1.7605% | 406 |
| Noninterest expense to average assets | 3.6724% | 547 |
| Loan and lease loss provision to assets | 0.3295% | 1,092 |
| Net operating income to assets | 1.1390% | 1,768 |
| Return on assets (ROA) | 1.1390% | 1,894 |
| Pretax return on assets | 1.4264% | 1,578 |
| Return on Equity (ROE) | 9.9385% | 2,026 |
| Retained earnings to average equity (ytd only) | 5.0831% | 2,237 |
| Net charge-offs to loans | 0.0563% | 1,973 |
| Credit loss provision to net charge-offs | 823.5294% | 881 |
| Earnings coverage of net charge-offs (x) | 43.8824% | 1,312 |
| Efficiency ratio | 67.6264% | 2,279 |
| Assets per employee ($millions) | 4.5578% | 3,864 |
| Cash dividends to net income (ytd only)* | 48.8551% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 1,354 |
| Loan loss allowance to noncurrent loans | 504.5151% | 1,124 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 3,264 |
| Noncurrent loans to loans | 0.3130% | 3,079 |
| Net loans and leases to total assets | 64.4699% | 2,302 |
| Net loans and leases to deposits | 73.1030% | 2,578 |
| Net loans and leases to core deposits | 74.3986% | 2,876 |
| Total domestic deposits to total assets | 88.1905% | 1,379 |
| Equity capital to assets | 10.8419% | 2,392 |
| Core capital (leverage) ratio | 9.4648% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7715% | 1,608 |
| Memoranda: | ||
| Average total assets | $1,062,115,600 | 831 |
| Average earning assets | $988,717,600 | 827 |
| Average equity | $121,718,000 | 814 |
| Average total loans | $754,774,200 | 820 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2036% | 2,394 |
| Cost of funding earning assets | 0.2249% | 4,588 |
| Net interest margin | 3.9786% | 1,163 |
| Noninterest income to average assets | 1.7231% | 394 |
| Noninterest expense to average assets | 3.6628% | 570 |
| Loan and lease loss provision to assets | 0.4505% | 718 |
| Net operating income to assets | 1.0456% | 2,171 |
| Return on assets (ROA) | 1.0456% | 2,295 |
| Pretax return on assets | 1.3067% | 2,019 |
| Return on Equity (ROE) | 8.9874% | 2,401 |
| Retained earnings to average equity (ytd only) | 4.1098% | 2,989 |
| Net charge-offs to loans | 0.0870% | 1,433 |
| Credit loss provision to net charge-offs | 712.8310% | 1,057 |
| Earnings coverage of net charge-offs (x) | 27.8065% | 1,651 |
| Efficiency ratio | 67.5532% | 2,241 |
| Assets per employee ($millions) | 4.6244% | 3,693 |
| Cash dividends to net income (ytd only)* | 54.2713% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 1,458 |
| Loan loss allowance to noncurrent loans | 739.4948% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 3,720 |
| Noncurrent loans to loans | 0.1995% | 3,592 |
| Net loans and leases to total assets | 69.0662% | 2,099 |
| Net loans and leases to deposits | 78.3064% | 2,506 |
| Net loans and leases to core deposits | 80.0001% | 2,843 |
| Total domestic deposits to total assets | 88.1999% | 1,114 |
| Equity capital to assets | 10.6941% | 2,628 |
| Core capital (leverage) ratio | 9.4331% | 3,325 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1644% | 1,777 |
| Memoranda: | ||
| Average total assets | $1,035,944,000 | 839 |
| Average earning assets | $962,582,250 | 833 |
| Average equity | $120,521,500 | 812 |
| Average total loans | $752,391,750 | 815 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3361% | 2,374 |
| Cost of funding earning assets | 0.2443% | 4,639 |
| Net interest margin | 4.0918% | 1,131 |
| Noninterest income to average assets | 1.5592% | 421 |
| Noninterest expense to average assets | 3.7373% | 542 |
| Loan and lease loss provision to assets | 0.6034% | 524 |
| Net operating income to assets | 0.8156% | 2,987 |
| Return on assets (ROA) | 0.8156% | 3,103 |
| Pretax return on assets | 1.0125% | 2,986 |
| Return on Equity (ROE) | 6.7969% | 3,206 |
| Retained earnings to average equity (ytd only) | 2.6065% | 3,547 |
| Net charge-offs to loans | 0.1328% | 1,050 |
| Credit loss provision to net charge-offs | 617.2840% | 1,088 |
| Earnings coverage of net charge-offs (x) | 16.5309% | 1,855 |
| Efficiency ratio | 69.7840% | 1,985 |
| Assets per employee ($millions) | 4.5703% | 3,695 |
| Cash dividends to net income (ytd only)* | 61.6523% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 1,466 |
| Loan loss allowance to noncurrent loans | 806.3770% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.1264% | 3,894 |
| Noncurrent loans to loans | 0.1779% | 3,737 |
| Net loans and leases to total assets | 70.0286% | 2,021 |
| Net loans and leases to deposits | 79.4376% | 2,499 |
| Net loans and leases to core deposits | 81.4819% | 2,817 |
| Total domestic deposits to total assets | 88.1556% | 1,106 |
| Equity capital to assets | 10.7909% | 2,497 |
| Core capital (leverage) ratio | 10.1259% | 2,711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9135% | 1,856 |
| Memoranda: | ||
| Average total assets | $994,346,667 | 858 |
| Average earning assets | $921,983,333 | 855 |
| Average equity | $119,318,667 | 812 |
| Average total loans | $731,963,000 | 824 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6866% | 1,750 |
| Cost of funding earning assets | 0.2748% | 4,719 |
| Net interest margin | 4.4117% | 611 |
| Noninterest income to average assets | 1.4268% | 441 |
| Noninterest expense to average assets | 3.8456% | 589 |
| Loan and lease loss provision to assets | 0.8629% | 272 |
| Net operating income to assets | 0.6342% | 3,498 |
| Return on assets (ROA) | 0.6342% | 3,559 |
| Pretax return on assets | 0.7909% | 3,435 |
| Return on Equity (ROE) | 4.9801% | 3,640 |
| Retained earnings to average equity (ytd only) | 0.5759% | 3,853 |
| Net charge-offs to loans | 0.1194% | 989 |
| Credit loss provision to net charge-offs | 961.5385% | 594 |
| Earnings coverage of net charge-offs (x) | 18.4279% | 1,470 |
| Efficiency ratio | 69.8964% | 2,369 |
| Assets per employee ($millions) | 3.8087% | 4,161 |
| Cash dividends to net income (ytd only)* | 88.4354% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,214 |
| Loan loss allowance to noncurrent loans | 664.5718% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 3,792 |
| Noncurrent loans to loans | 0.2321% | 3,660 |
| Net loans and leases to total assets | 74.3930% | 1,548 |
| Net loans and leases to deposits | 86.6152% | 1,920 |
| Net loans and leases to core deposits | 89.5736% | 2,388 |
| Total domestic deposits to total assets | 85.8891% | 2,039 |
| Equity capital to assets | 12.8429% | 1,527 |
| Core capital (leverage) ratio | 11.3365% | 2,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9417% | 1,926 |
| Memoranda: | ||
| Average total assets | $927,086,500 | 885 |
| Average earning assets | $855,808,000 | 883 |
| Average equity | $118,070,500 | 813 |
| Average total loans | $696,926,000 | 843 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0260% | 1,410 |
| Cost of funding earning assets | 0.2821% | 4,766 |
| Net interest margin | 4.7439% | 428 |
| Noninterest income to average assets | 1.3900% | 496 |
| Noninterest expense to average assets | 3.8180% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5500% | 943 |
| Return on assets (ROA) | 1.5588% | 979 |
| Pretax return on assets | 1.9411% | 677 |
| Return on Equity (ROE) | 12.8264% | 1,226 |
| Retained earnings to average equity (ytd only) | 9.2541% | 654 |
| Net charge-offs to loans | 0.0080% | 3,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 317.5357% | 273 |
| Efficiency ratio | 66.3866% | 2,709 |
| Assets per employee ($millions) | 3.9857% | 3,915 |
| Cash dividends to net income (ytd only)* | 27.8513% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 1,948 |
| Loan loss allowance to noncurrent loans | 873.9553% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 4,077 |
| Noncurrent loans to loans | 0.1482% | 3,934 |
| Net loans and leases to total assets | 73.8221% | 1,785 |
| Net loans and leases to deposits | 85.7611% | 2,125 |
| Net loans and leases to core deposits | 88.4715% | 2,567 |
| Total domestic deposits to total assets | 86.0787% | 2,041 |
| Equity capital to assets | 12.6288% | 1,752 |
| Core capital (leverage) ratio | 11.0706% | 2,436 |
| Tier 1 risk-based capital ratio | 13.3287% | 3,619 |
| Total risk-based capital ratio | 14.5208% | 3,529 |
| Memoranda: | ||
| Average total assets | $921,325,800 | 855 |
| Average earning assets | $846,391,800 | 853 |
| Average equity | $111,972,400 | 815 |
| Average total loans | $703,282,400 | 806 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0513% | 1,410 |
| Cost of funding earning assets | 0.2815% | 4,841 |
| Net interest margin | 4.7698% | 440 |
| Noninterest income to average assets | 1.3510% | 508 |
| Noninterest expense to average assets | 3.7979% | 659 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5526% | 1,052 |
| Return on assets (ROA) | 1.5644% | 1,071 |
| Pretax return on assets | 1.9439% | 782 |
| Return on Equity (ROE) | 13.0009% | 1,279 |
| Retained earnings to average equity (ytd only) | 9.6281% | 857 |
| Net charge-offs to loans | 0.0060% | 3,169 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 415.7071% | 240 |
| Efficiency ratio | 66.2776% | 2,690 |
| Assets per employee ($millions) | 3.9837% | 3,932 |
| Cash dividends to net income (ytd only)* | 25.9431% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2765% | 2,086 |
| Loan loss allowance to noncurrent loans | 888.3744% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 4,174 |
| Noncurrent loans to loans | 0.1437% | 4,025 |
| Net loans and leases to total assets | 73.8624% | 1,842 |
| Net loans and leases to deposits | 85.4097% | 2,271 |
| Net loans and leases to core deposits | 88.2410% | 2,706 |
| Total domestic deposits to total assets | 86.4802% | 1,780 |
| Equity capital to assets | 12.2324% | 2,090 |
| Core capital (leverage) ratio | 11.0138% | 2,623 |
| Tier 1 risk-based capital ratio | 12.9531% | 3,876 |
| Total risk-based capital ratio | 14.1421% | 3,807 |
| Memoranda: | ||
| Average total assets | $919,493,000 | 855 |
| Average earning assets | $843,588,750 | 859 |
| Average equity | $110,646,000 | 815 |
| Average total loans | $705,466,250 | 805 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0527% | 1,345 |
| Cost of funding earning assets | 0.2849% | 4,863 |
| Net interest margin | 4.7678% | 435 |
| Noninterest income to average assets | 1.1873% | 607 |
| Noninterest expense to average assets | 3.7106% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4885% | 1,178 |
| Return on assets (ROA) | 1.5065% | 1,185 |
| Pretax return on assets | 1.8771% | 876 |
| Return on Equity (ROE) | 12.5909% | 1,377 |
| Retained earnings to average equity (ytd only) | 11.7654% | 436 |
| Net charge-offs to loans | 0.0009% | 3,155 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 2,817.0000% | 15 |
| Efficiency ratio | 66.6338% | 2,723 |
| Assets per employee ($millions) | 3.9654% | 3,915 |
| Cash dividends to net income (ytd only)* | 6.5559% | 3,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2792% | 2,105 |
| Loan loss allowance to noncurrent loans | 979.0043% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 4,253 |
| Noncurrent loans to loans | 0.1307% | 4,096 |
| Net loans and leases to total assets | 75.5598% | 1,617 |
| Net loans and leases to deposits | 87.7216% | 2,037 |
| Net loans and leases to core deposits | 91.5663% | 2,456 |
| Total domestic deposits to total assets | 86.1359% | 1,963 |
| Equity capital to assets | 12.2705% | 2,008 |
| Core capital (leverage) ratio | 11.2357% | 2,389 |
| Tier 1 risk-based capital ratio | 12.7758% | 3,958 |
| Total risk-based capital ratio | 13.9711% | 3,899 |
| Memoranda: | ||
| Average total assets | $911,280,330 | 858 |
| Average earning assets | $836,779,000 | 861 |
| Average equity | $109,031,330 | 823 |
| Average total loans | $705,163,330 | 807 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 1,233 |
| Cost of funding earning assets | 0.2873% | 4,881 |
| Net interest margin | 4.7534% | 440 |
| Noninterest income to average assets | 1.0073% | 793 |
| Noninterest expense to average assets | 3.6815% | 768 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3707% | 1,453 |
| Return on assets (ROA) | 1.3707% | 1,495 |
| Pretax return on assets | 1.6920% | 1,232 |
| Return on Equity (ROE) | 11.6076% | 1,690 |
| Retained earnings to average equity (ytd only) | 10.8590% | 834 |
| Net charge-offs to loans | -0.0040% | 3,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4708% | 2,570 |
| Assets per employee ($millions) | 3.8747% | 4,094 |
| Cash dividends to net income (ytd only)* | 6.4495% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,109 |
| Loan loss allowance to noncurrent loans | 927.8689% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 4,263 |
| Noncurrent loans to loans | 0.1396% | 4,114 |
| Net loans and leases to total assets | 76.4227% | 1,410 |
| Net loans and leases to deposits | 88.8397% | 1,763 |
| Net loans and leases to core deposits | 93.2378% | 2,193 |
| Total domestic deposits to total assets | 86.0231% | 2,274 |
| Equity capital to assets | 12.0715% | 1,978 |
| Core capital (leverage) ratio | 10.6929% | 2,853 |
| Tier 1 risk-based capital ratio | 12.5767% | 4,116 |
| Total risk-based capital ratio | 13.7979% | 4,016 |
| Memoranda: | ||
| Average total assets | $904,950,500 | 866 |
| Average earning assets | $831,245,000 | 868 |
| Average equity | $106,861,000 | 835 |
| Average total loans | $704,158,500 | 808 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9288% | 1,205 |
| Cost of funding earning assets | 0.2519% | 4,795 |
| Net interest margin | 4.6769% | 512 |
| Noninterest income to average assets | 1.0266% | 892 |
| Noninterest expense to average assets | 3.6917% | 784 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3188% | 1,726 |
| Return on assets (ROA) | 1.3188% | 1,715 |
| Pretax return on assets | 1.6144% | 1,422 |
| Return on Equity (ROE) | 11.8277% | 1,773 |
| Retained earnings to average equity (ytd only) | 7.8117% | 1,324 |
| Net charge-offs to loans | 0.0061% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 339.5814% | 301 |
| Efficiency ratio | 69.5033% | 2,285 |
| Assets per employee ($millions) | 3.8274% | 4,140 |
| Cash dividends to net income (ytd only)* | 33.9537% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,163 |
| Loan loss allowance to noncurrent loans | 1,292.7143% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0772% | 4,434 |
| Noncurrent loans to loans | 0.0987% | 4,291 |
| Net loans and leases to total assets | 77.1985% | 1,409 |
| Net loans and leases to deposits | 88.9656% | 1,931 |
| Net loans and leases to core deposits | 93.7959% | 2,242 |
| Total domestic deposits to total assets | 86.7734% | 1,885 |
| Equity capital to assets | 11.5467% | 2,222 |
| Core capital (leverage) ratio | 10.1378% | 3,413 |
| Tier 1 risk-based capital ratio | 12.0797% | 4,375 |
| Total risk-based capital ratio | 13.2887% | 4,290 |
| Memoranda: | ||
| Average total assets | $904,469,600 | 841 |
| Average earning assets | $827,621,800 | 847 |
| Average equity | $100,848,200 | 844 |
| Average total loans | $703,608,400 | 785 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8572% | 1,284 |
| Cost of funding earning assets | 0.2452% | 4,814 |
| Net interest margin | 4.6120% | 581 |
| Noninterest income to average assets | 1.0393% | 881 |
| Noninterest expense to average assets | 3.7207% | 739 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2527% | 2,033 |
| Return on assets (ROA) | 1.2527% | 2,039 |
| Pretax return on assets | 1.5357% | 1,787 |
| Return on Equity (ROE) | 11.3365% | 2,041 |
| Retained earnings to average equity (ytd only) | 9.9348% | 946 |
| Net charge-offs to loans | 0.0047% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 416.4311% | 226 |
| Efficiency ratio | 70.7117% | 2,088 |
| Assets per employee ($millions) | 3.9816% | 3,918 |
| Cash dividends to net income (ytd only)* | 12.3646% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2956% | 2,114 |
| Loan loss allowance to noncurrent loans | 1,302.7299% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 4,603 |
| Noncurrent loans to loans | 0.0995% | 4,443 |
| Net loans and leases to total assets | 73.8254% | 2,013 |
| Net loans and leases to deposits | 84.7061% | 2,516 |
| Net loans and leases to core deposits | 89.3826% | 2,711 |
| Total domestic deposits to total assets | 87.1547% | 1,666 |
| Equity capital to assets | 11.0161% | 2,646 |
| Core capital (leverage) ratio | 10.1797% | 3,430 |
| Tier 1 risk-based capital ratio | 12.2899% | 4,326 |
| Total risk-based capital ratio | 13.5286% | 4,220 |
| Memoranda: | ||
| Average total assets | $903,815,000 | 845 |
| Average earning assets | $826,440,750 | 850 |
| Average equity | $99,875,500 | 846 |
| Average total loans | $702,183,750 | 784 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,234 |
| Cost of funding earning assets | 0.2374% | 4,819 |
| Net interest margin | 4.5675% | 597 |
| Noninterest income to average assets | 1.0291% | 911 |
| Noninterest expense to average assets | 3.7918% | 679 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1525% | 2,387 |
| Return on assets (ROA) | 1.1525% | 2,388 |
| Pretax return on assets | 1.4040% | 2,132 |
| Return on Equity (ROE) | 10.4181% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.4061% | 1,091 |
| Net charge-offs to loans | -0.0145% | 4,445 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9055% | 1,864 |
| Assets per employee ($millions) | 3.6453% | 4,407 |
| Cash dividends to net income (ytd only)* | 9.7144% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2859% | 2,237 |
| Loan loss allowance to noncurrent loans | 647.5212% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 4,190 |
| Noncurrent loans to loans | 0.1986% | 4,014 |
| Net loans and leases to total assets | 79.2350% | 1,123 |
| Net loans and leases to deposits | 91.4442% | 1,655 |
| Net loans and leases to core deposits | 97.4971% | 1,924 |
| Total domestic deposits to total assets | 86.6485% | 1,997 |
| Equity capital to assets | 11.3757% | 2,292 |
| Core capital (leverage) ratio | 10.2444% | 3,295 |
| Tier 1 risk-based capital ratio | 11.6824% | 4,701 |
| Total risk-based capital ratio | 12.9070% | 4,588 |
| Memoranda: | ||
| Average total assets | $893,193,000 | 856 |
| Average earning assets | $814,791,670 | 862 |
| Average equity | $98,808,670 | 852 |
| Average total loans | $702,966,000 | 780 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 1,236 |
| Cost of funding earning assets | 0.2311% | 4,825 |
| Net interest margin | 4.4988% | 623 |
| Noninterest income to average assets | 0.9473% | 1,029 |
| Noninterest expense to average assets | 3.7780% | 694 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0467% | 2,662 |
| Return on assets (ROA) | 1.0467% | 2,678 |
| Pretax return on assets | 1.2675% | 2,485 |
| Return on Equity (ROE) | 9.5963% | 2,636 |
| Retained earnings to average equity (ytd only) | 7.5520% | 2,019 |
| Net charge-offs to loans | -0.0280% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7989% | 1,779 |
| Assets per employee ($millions) | 3.6426% | 4,480 |
| Cash dividends to net income (ytd only)* | 21.3038% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 2,219 |
| Loan loss allowance to noncurrent loans | 608.5885% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,169 |
| Noncurrent loans to loans | 0.2147% | 4,012 |
| Net loans and leases to total assets | 76.7502% | 1,419 |
| Net loans and leases to deposits | 87.9169% | 1,938 |
| Net loans and leases to core deposits | 93.9002% | 2,149 |
| Total domestic deposits to total assets | 87.2986% | 2,009 |
| Equity capital to assets | 10.9127% | 2,666 |
| Core capital (leverage) ratio | 9.8987% | 3,652 |
| Tier 1 risk-based capital ratio | 11.5893% | 4,815 |
| Total risk-based capital ratio | 12.8213% | 4,717 |
| Memoranda: | ||
| Average total assets | $896,880,500 | 859 |
| Average earning assets | $817,017,000 | 869 |
| Average equity | $97,829,000 | 863 |
| Average total loans | $698,938,500 | 784 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5664% | 1,521 |
| Cost of funding earning assets | 0.2488% | 4,580 |
| Net interest margin | 4.3176% | 928 |
| Noninterest income to average assets | 1.0912% | 850 |
| Noninterest expense to average assets | 3.6323% | 862 |
| Loan and lease loss provision to assets | 0.0305% | 3,665 |
| Net operating income to assets | 0.8593% | 2,916 |
| Return on assets (ROA) | 0.8599% | 2,935 |
| Pretax return on assets | 1.3717% | 2,086 |
| Return on Equity (ROE) | 7.9940% | 2,798 |
| Retained earnings to average equity (ytd only) | 5.0757% | 2,078 |
| Net charge-offs to loans | 0.0545% | 2,712 |
| Credit loss provision to net charge-offs | 73.1183% | 3,046 |
| Earnings coverage of net charge-offs (x) | 33.5484% | 1,430 |
| Efficiency ratio | 72.1130% | 2,207 |
| Assets per employee ($millions) | 3.6492% | 4,505 |
| Cash dividends to net income (ytd only)* | 36.5061% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 2,208 |
| Loan loss allowance to noncurrent loans | 420.7311% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 3,930 |
| Noncurrent loans to loans | 0.3095% | 3,674 |
| Net loans and leases to total assets | 77.0778% | 1,418 |
| Net loans and leases to deposits | 88.3518% | 1,977 |
| Net loans and leases to core deposits | 94.8713% | 2,121 |
| Total domestic deposits to total assets | 87.2396% | 1,880 |
| Equity capital to assets | 10.9026% | 2,728 |
| Core capital (leverage) ratio | 9.5135% | 4,032 |
| Tier 1 risk-based capital ratio | 11.4284% | 4,899 |
| Total risk-based capital ratio | 12.6785% | 4,779 |
| Memoranda: | ||
| Average total assets | $890,650,000 | 842 |
| Average earning assets | $813,226,800 | 845 |
| Average equity | $95,809,000 | 856 |
| Average total loans | $682,018,600 | 768 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 1,611 |
| Cost of funding earning assets | 0.2513% | 4,552 |
| Net interest margin | 4.2606% | 1,023 |
| Noninterest income to average assets | 1.0807% | 872 |
| Noninterest expense to average assets | 3.6640% | 799 |
| Loan and lease loss provision to assets | 0.0408% | 3,292 |
| Net operating income to assets | 0.8992% | 3,031 |
| Return on assets (ROA) | 0.9076% | 3,055 |
| Pretax return on assets | 1.2728% | 2,615 |
| Return on Equity (ROE) | 8.4659% | 2,900 |
| Retained earnings to average equity (ytd only) | 7.8020% | 1,304 |
| Net charge-offs to loans | 0.0496% | 2,438 |
| Credit loss provision to net charge-offs | 107.9365% | 2,169 |
| Earnings coverage of net charge-offs (x) | 34.4724% | 1,441 |
| Efficiency ratio | 73.7379% | 1,934 |
| Assets per employee ($millions) | 3.7243% | 4,415 |
| Cash dividends to net income (ytd only)* | 7.8422% | 3,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3350% | 2,183 |
| Loan loss allowance to noncurrent loans | 361.9646% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.2767% | 3,963 |
| Noncurrent loans to loans | 0.3688% | 3,631 |
| Net loans and leases to total assets | 74.0078% | 1,917 |
| Net loans and leases to deposits | 85.3028% | 2,393 |
| Net loans and leases to core deposits | 92.2413% | 2,415 |
| Total domestic deposits to total assets | 86.7589% | 1,971 |
| Equity capital to assets | 10.7213% | 3,145 |
| Core capital (leverage) ratio | 9.7502% | 3,881 |
| Tier 1 risk-based capital ratio | 11.4707% | 4,974 |
| Total risk-based capital ratio | 12.7208% | 4,872 |
| Memoranda: | ||
| Average total assets | $889,800,250 | 847 |
| Average earning assets | $811,358,250 | 853 |
| Average equity | $95,392,500 | 862 |
| Average total loans | $677,972,000 | 774 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4916% | 1,534 |
| Cost of funding earning assets | 0.2573% | 4,479 |
| Net interest margin | 4.2343% | 1,005 |
| Noninterest income to average assets | 1.0751% | 871 |
| Noninterest expense to average assets | 3.7331% | 742 |
| Loan and lease loss provision to assets | 0.0277% | 3,448 |
| Net operating income to assets | 0.8407% | 3,200 |
| Return on assets (ROA) | 0.8536% | 3,191 |
| Pretax return on assets | 1.1890% | 2,807 |
| Return on Equity (ROE) | 7.9627% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.2736% | 1,463 |
| Net charge-offs to loans | 0.0665% | 1,974 |
| Credit loss provision to net charge-offs | 54.4643% | 2,513 |
| Earnings coverage of net charge-offs (x) | 23.5402% | 1,678 |
| Efficiency ratio | 75.6430% | 1,784 |
| Assets per employee ($millions) | 3.5517% | 4,645 |
| Cash dividends to net income (ytd only)* | 8.6551% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3402% | 2,229 |
| Loan loss allowance to noncurrent loans | 930.3992% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 4,752 |
| Noncurrent loans to loans | 0.1440% | 4,543 |
| Net loans and leases to total assets | 76.2795% | 1,503 |
| Net loans and leases to deposits | 87.5123% | 2,043 |
| Net loans and leases to core deposits | 95.4328% | 2,033 |
| Total domestic deposits to total assets | 87.1643% | 1,870 |
| Equity capital to assets | 10.9982% | 2,805 |
| Core capital (leverage) ratio | 9.8136% | 3,762 |
| Tier 1 risk-based capital ratio | 11.3990% | 5,017 |
| Total risk-based capital ratio | 12.6492% | 4,914 |
| Memoranda: | ||
| Average total assets | $879,762,670 | 860 |
| Average earning assets | $801,321,670 | 869 |
| Average equity | $94,314,330 | 871 |
| Average total loans | $673,956,330 | 781 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 1,671 |
| Cost of funding earning assets | 0.2657% | 4,400 |
| Net interest margin | 4.1251% | 1,157 |
| Noninterest income to average assets | 0.9330% | 1,157 |
| Noninterest expense to average assets | 3.6381% | 843 |
| Loan and lease loss provision to assets | 0.0554% | 2,698 |
| Net operating income to assets | 0.7678% | 3,382 |
| Return on assets (ROA) | 0.7955% | 3,297 |
| Pretax return on assets | 1.0388% | 3,201 |
| Return on Equity (ROE) | 7.5169% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.5169% | 1,646 |
| Net charge-offs to loans | 0.0578% | 1,756 |
| Credit loss provision to net charge-offs | 125.7732% | 1,344 |
| Earnings coverage of net charge-offs (x) | 24.0309% | 1,371 |
| Efficiency ratio | 77.4169% | 1,708 |
| Assets per employee ($millions) | 3.5290% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3570% | 2,277 |
| Loan loss allowance to noncurrent loans | 798.7002% | 711 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 4,731 |
| Noncurrent loans to loans | 0.1699% | 4,510 |
| Net loans and leases to total assets | 76.8648% | 1,281 |
| Net loans and leases to deposits | 87.9277% | 1,807 |
| Net loans and leases to core deposits | 96.1518% | 1,811 |
| Total domestic deposits to total assets | 87.4182% | 2,025 |
| Equity capital to assets | 10.8060% | 2,850 |
| Core capital (leverage) ratio | 9.5697% | 4,033 |
| Tier 1 risk-based capital ratio | 11.2543% | 5,167 |
| Total risk-based capital ratio | 12.5048% | 5,071 |
| Memoranda: | ||
| Average total assets | $881,009,500 | 865 |
| Average earning assets | $803,768,500 | 873 |
| Average equity | $93,229,500 | 878 |
| Average total loans | $671,801,500 | 783 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,617 |
| Cost of funding earning assets | 0.2785% | 4,267 |
| Net interest margin | 4.1954% | 1,129 |
| Noninterest income to average assets | 1.2401% | 738 |
| Noninterest expense to average assets | 3.7769% | 795 |
| Loan and lease loss provision to assets | 0.1165% | 2,122 |
| Net operating income to assets | 0.8289% | 3,165 |
| Return on assets (ROA) | 0.8294% | 3,268 |
| Pretax return on assets | 1.1608% | 2,851 |
| Return on Equity (ROE) | 7.7253% | 3,101 |
| Retained earnings to average equity (ytd only) | 4.8971% | 2,410 |
| Net charge-offs to loans | 0.0188% | 3,683 |
| Credit loss provision to net charge-offs | 811.3821% | 458 |
| Earnings coverage of net charge-offs (x) | 88.8780% | 662 |
| Efficiency ratio | 74.6747% | 2,185 |
| Assets per employee ($millions) | 3.5331% | 4,712 |
| Cash dividends to net income (ytd only)* | 36.6094% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 2,149 |
| Loan loss allowance to noncurrent loans | 747.3171% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 4,586 |
| Noncurrent loans to loans | 0.1851% | 4,497 |
| Net loans and leases to total assets | 73.5876% | 1,915 |
| Net loans and leases to deposits | 83.7430% | 2,451 |
| Net loans and leases to core deposits | 91.7914% | 2,321 |
| Total domestic deposits to total assets | 87.8731% | 1,691 |
| Equity capital to assets | 10.3629% | 3,313 |
| Core capital (leverage) ratio | 9.1785% | 4,510 |
| Tier 1 risk-based capital ratio | 11.2311% | 5,203 |
| Total risk-based capital ratio | 12.4821% | 5,098 |
| Memoranda: | ||
| Average total assets | $856,290,600 | 849 |
| Average earning assets | $778,336,000 | 865 |
| Average equity | $91,931,800 | 873 |
| Average total loans | $654,438,000 | 759 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4905% | 1,572 |
| Cost of funding earning assets | 0.2824% | 4,278 |
| Net interest margin | 4.2082% | 1,105 |
| Noninterest income to average assets | 1.2989% | 685 |
| Noninterest expense to average assets | 3.7735% | 769 |
| Loan and lease loss provision to assets | 0.1280% | 1,824 |
| Net operating income to assets | 0.8737% | 3,039 |
| Return on assets (ROA) | 0.8744% | 3,160 |
| Pretax return on assets | 1.2185% | 2,761 |
| Return on Equity (ROE) | 8.0711% | 2,969 |
| Retained earnings to average equity (ytd only) | 7.7082% | 1,311 |
| Net charge-offs to loans | 0.0350% | 2,932 |
| Credit loss provision to net charge-offs | 476.0234% | 738 |
| Earnings coverage of net charge-offs (x) | 50.0360% | 1,069 |
| Efficiency ratio | 73.6498% | 2,351 |
| Assets per employee ($millions) | 3.5542% | 4,715 |
| Cash dividends to net income (ytd only)* | 4.4965% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3511% | 2,434 |
| Loan loss allowance to noncurrent loans | 617.0799% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 3,763 |
| Noncurrent loans to loans | 0.2189% | 4,482 |
| Net loans and leases to total assets | 73.0431% | 2,015 |
| Net loans and leases to deposits | 83.4474% | 2,550 |
| Net loans and leases to core deposits | 91.7220% | 2,419 |
| Total domestic deposits to total assets | 87.5319% | 1,644 |
| Equity capital to assets | 10.5989% | 3,454 |
| Core capital (leverage) ratio | 9.4940% | 4,192 |
| Tier 1 risk-based capital ratio | 11.3250% | 5,189 |
| Total risk-based capital ratio | 12.5753% | 5,095 |
| Memoranda: | ||
| Average total assets | $847,776,750 | 856 |
| Average earning assets | $769,629,750 | 870 |
| Average equity | $91,848,250 | 878 |
| Average total loans | $651,953,500 | 765 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 1,364 |
| Cost of funding earning assets | 0.2888% | 4,256 |
| Net interest margin | 4.2693% | 985 |
| Noninterest income to average assets | 1.2736% | 703 |
| Noninterest expense to average assets | 3.8338% | 735 |
| Loan and lease loss provision to assets | 0.1294% | 1,768 |
| Net operating income to assets | 0.8612% | 3,045 |
| Return on assets (ROA) | 0.8622% | 3,160 |
| Pretax return on assets | 1.1789% | 2,865 |
| Return on Equity (ROE) | 7.8969% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.3463% | 1,452 |
| Net charge-offs to loans | 0.0478% | 2,528 |
| Credit loss provision to net charge-offs | 347.0968% | 857 |
| Earnings coverage of net charge-offs (x) | 35.0645% | 1,259 |
| Efficiency ratio | 74.5136% | 2,291 |
| Assets per employee ($millions) | 3.4422% | 4,846 |
| Cash dividends to net income (ytd only)* | 6.9716% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3300% | 2,622 |
| Loan loss allowance to noncurrent loans | 705.0243% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.4237% | 3,810 |
| Noncurrent loans to loans | 0.1886% | 4,680 |
| Net loans and leases to total assets | 76.5339% | 1,409 |
| Net loans and leases to deposits | 87.8776% | 2,013 |
| Net loans and leases to core deposits | 97.4563% | 1,854 |
| Total domestic deposits to total assets | 87.0915% | 1,868 |
| Equity capital to assets | 11.0346% | 3,025 |
| Core capital (leverage) ratio | 9.6477% | 4,003 |
| Tier 1 risk-based capital ratio | 11.3010% | 5,277 |
| Total risk-based capital ratio | 12.5513% | 5,177 |
| Memoranda: | ||
| Average total assets | $831,816,000 | 869 |
| Average earning assets | $753,434,000 | 888 |
| Average equity | $90,821,000 | 882 |
| Average total loans | $648,212,330 | 766 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6195% | 1,215 |
| Cost of funding earning assets | 0.2888% | 4,289 |
| Net interest margin | 4.3307% | 869 |
| Noninterest income to average assets | 1.1694% | 806 |
| Noninterest expense to average assets | 3.9223% | 670 |
| Loan and lease loss provision to assets | 0.1269% | 1,670 |
| Net operating income to assets | 0.7779% | 3,362 |
| Return on assets (ROA) | 0.7801% | 3,457 |
| Pretax return on assets | 1.0440% | 3,303 |
| Return on Equity (ROE) | 7.1838% | 3,353 |
| Retained earnings to average equity (ytd only) | 7.1838% | 1,799 |
| Net charge-offs to loans | 0.0167% | 2,601 |
| Credit loss provision to net charge-offs | 970.3704% | 379 |
| Earnings coverage of net charge-offs (x) | 89.3333% | 583 |
| Efficiency ratio | 76.9882% | 2,044 |
| Assets per employee ($millions) | 3.3547% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3100% | 2,852 |
| Loan loss allowance to noncurrent loans | 622.8696% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.4743% | 3,700 |
| Noncurrent loans to loans | 0.2103% | 4,671 |
| Net loans and leases to total assets | 77.7540% | 1,132 |
| Net loans and leases to deposits | 89.1254% | 1,687 |
| Net loans and leases to core deposits | 99.1622% | 1,547 |
| Total domestic deposits to total assets | 87.2411% | 2,078 |
| Equity capital to assets | 10.9640% | 2,981 |
| Core capital (leverage) ratio | 9.5025% | 4,192 |
| Tier 1 risk-based capital ratio | 11.4083% | 5,276 |
| Total risk-based capital ratio | 12.6588% | 5,185 |
| Memoranda: | ||
| Average total assets | $826,051,000 | 882 |
| Average earning assets | $747,870,500 | 895 |
| Average equity | $89,701,500 | 890 |
| Average total loans | $645,245,500 | 768 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 1,594 |
| Cost of funding earning assets | 0.2755% | 4,531 |
| Net interest margin | 4.2257% | 1,112 |
| Noninterest income to average assets | 1.1552% | 887 |
| Noninterest expense to average assets | 3.8133% | 851 |
| Loan and lease loss provision to assets | 0.0739% | 2,794 |
| Net operating income to assets | 0.7978% | 3,352 |
| Return on assets (ROA) | 0.8028% | 3,409 |
| Pretax return on assets | 1.0847% | 3,134 |
| Return on Equity (ROE) | 7.1990% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.0200% | 3,162 |
| Net charge-offs to loans | 0.1018% | 2,394 |
| Credit loss provision to net charge-offs | 94.1653% | 2,677 |
| Earnings coverage of net charge-offs (x) | 14.6726% | 2,273 |
| Efficiency ratio | 76.7131% | 2,162 |
| Assets per employee ($millions) | 3.3489% | 5,069 |
| Cash dividends to net income (ytd only)* | 44.1591% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 2,875 |
| Loan loss allowance to noncurrent loans | 547.8920% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.6225% | 3,204 |
| Noncurrent loans to loans | 0.2381% | 4,574 |
| Net loans and leases to total assets | 76.3944% | 1,346 |
| Net loans and leases to deposits | 87.7634% | 1,906 |
| Net loans and leases to core deposits | 97.5498% | 1,711 |
| Total domestic deposits to total assets | 87.0458% | 2,107 |
| Equity capital to assets | 10.7465% | 3,078 |
| Core capital (leverage) ratio | 9.3720% | 4,367 |
| Tier 1 risk-based capital ratio | 11.4918% | 5,263 |
| Total risk-based capital ratio | 12.7422% | 5,165 |
| Memoranda: | ||
| Average total assets | $785,901,400 | 880 |
| Average earning assets | $708,585,200 | 900 |
| Average equity | $87,637,200 | 869 |
| Average total loans | $605,887,200 | 766 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5030% | 1,583 |
| Cost of funding earning assets | 0.2702% | 4,663 |
| Net interest margin | 4.2328% | 1,099 |
| Noninterest income to average assets | 1.1816% | 865 |
| Noninterest expense to average assets | 3.8372% | 812 |
| Loan and lease loss provision to assets | 0.0656% | 2,872 |
| Net operating income to assets | 0.8398% | 3,218 |
| Return on assets (ROA) | 0.8468% | 3,274 |
| Pretax return on assets | 1.1032% | 3,219 |
| Return on Equity (ROE) | 7.5211% | 3,325 |
| Retained earnings to average equity (ytd only) | 7.2161% | 1,591 |
| Net charge-offs to loans | -0.0047% | 4,818 |
| Credit loss provision to net charge-offs | -1,819.0476% | 5,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7029% | 2,127 |
| Assets per employee ($millions) | 3.3506% | 5,058 |
| Cash dividends to net income (ytd only)* | 4.0560% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4139% | 2,531 |
| Loan loss allowance to noncurrent loans | 408.7768% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 3,091 |
| Noncurrent loans to loans | 0.3459% | 4,374 |
| Net loans and leases to total assets | 74.9832% | 1,549 |
| Net loans and leases to deposits | 86.5692% | 2,084 |
| Net loans and leases to core deposits | 95.3787% | 1,940 |
| Total domestic deposits to total assets | 86.6165% | 2,232 |
| Equity capital to assets | 11.0705% | 2,939 |
| Core capital (leverage) ratio | 9.7961% | 3,906 |
| Tier 1 risk-based capital ratio | 12.0260% | 5,069 |
| Total risk-based capital ratio | 13.2777% | 4,982 |
| Memoranda: | ||
| Average total assets | $776,421,750 | 892 |
| Average earning assets | $699,820,000 | 918 |
| Average equity | $87,413,500 | 880 |
| Average total loans | $597,941,750 | 785 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5226% | 1,469 |
| Cost of funding earning assets | 0.2665% | 4,753 |
| Net interest margin | 4.2561% | 1,006 |
| Noninterest income to average assets | 1.1411% | 921 |
| Noninterest expense to average assets | 3.8650% | 801 |
| Loan and lease loss provision to assets | 0.0568% | 2,963 |
| Net operating income to assets | 0.8134% | 3,315 |
| Return on assets (ROA) | 0.8240% | 3,365 |
| Pretax return on assets | 1.0591% | 3,343 |
| Return on Equity (ROE) | 7.2758% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.2758% | 1,580 |
| Net charge-offs to loans | 0.0751% | 2,318 |
| Credit loss provision to net charge-offs | 97.7477% | 2,105 |
| Earnings coverage of net charge-offs (x) | 18.9640% | 1,777 |
| Efficiency ratio | 77.7186% | 2,107 |
| Assets per employee ($millions) | 3.2341% | 5,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 3,004 |
| Loan loss allowance to noncurrent loans | 264.5959% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9410% | 2,652 |
| Noncurrent loans to loans | 0.5088% | 3,932 |
| Net loans and leases to total assets | 77.8349% | 1,091 |
| Net loans and leases to deposits | 92.0005% | 1,375 |
| Net loans and leases to core deposits | 99.9609% | 1,495 |
| Total domestic deposits to total assets | 84.6027% | 3,294 |
| Equity capital to assets | 11.1942% | 2,677 |
| Core capital (leverage) ratio | 9.8901% | 3,753 |
| Tier 1 risk-based capital ratio | 11.5390% | 5,438 |
| Total risk-based capital ratio | 12.7896% | 5,360 |
| Memoranda: | ||
| Average total assets | $763,827,000 | 913 |
| Average earning assets | $686,680,670 | 937 |
| Average equity | $86,505,670 | 890 |
| Average total loans | $590,831,000 | 794 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4652% | 1,569 |
| Cost of funding earning assets | 0.2653% | 4,849 |
| Net interest margin | 4.2000% | 1,057 |
| Noninterest income to average assets | 0.9645% | 1,201 |
| Noninterest expense to average assets | 3.8648% | 810 |
| Loan and lease loss provision to assets | 0.0159% | 3,518 |
| Net operating income to assets | 0.7069% | 3,761 |
| Return on assets (ROA) | 0.7069% | 3,887 |
| Pretax return on assets | 0.8593% | 4,026 |
| Return on Equity (ROE) | 6.2017% | 3,930 |
| Retained earnings to average equity (ytd only) | 6.2017% | 2,377 |
| Net charge-offs to loans | 0.0895% | 1,823 |
| Credit loss provision to net charge-offs | 23.2558% | 2,333 |
| Earnings coverage of net charge-offs (x) | 12.7752% | 1,770 |
| Efficiency ratio | 81.4342% | 1,699 |
| Assets per employee ($millions) | 3.2540% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4144% | 2,849 |
| Loan loss allowance to noncurrent loans | 119.5366% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.0544% | 2,510 |
| Noncurrent loans to loans | 1.1832% | 2,405 |
| Net loans and leases to total assets | 75.5554% | 1,274 |
| Net loans and leases to deposits | 87.5188% | 1,670 |
| Net loans and leases to core deposits | 92.9523% | 1,856 |
| Total domestic deposits to total assets | 86.3305% | 2,749 |
| Equity capital to assets | 11.3836% | 2,572 |
| Core capital (leverage) ratio | 9.9648% | 3,645 |
| Tier 1 risk-based capital ratio | 11.9601% | 5,264 |
| Total risk-based capital ratio | 13.2100% | 5,158 |
| Memoranda: | ||
| Average total assets | $753,159,000 | 923 |
| Average earning assets | $677,055,000 | 949 |
| Average equity | $85,847,000 | 896 |
| Average total loans | $576,224,500 | 809 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4896% | 1,914 |
| Cost of funding earning assets | 0.2901% | 4,892 |
| Net interest margin | 4.1995% | 1,301 |
| Noninterest income to average assets | 1.0959% | 1,010 |
| Noninterest expense to average assets | 3.7734% | 1,026 |
| Loan and lease loss provision to assets | 0.0413% | 3,753 |
| Net operating income to assets | 0.7675% | 3,529 |
| Return on assets (ROA) | 0.7714% | 3,608 |
| Pretax return on assets | 1.0390% | 3,355 |
| Return on Equity (ROE) | 6.7610% | 3,759 |
| Retained earnings to average equity (ytd only) | 4.7377% | 2,803 |
| Net charge-offs to loans | 0.0562% | 3,710 |
| Credit loss provision to net charge-offs | 98.0392% | 2,469 |
| Earnings coverage of net charge-offs (x) | 25.5327% | 1,498 |
| Efficiency ratio | 77.7065% | 2,249 |
| Assets per employee ($millions) | 3.2107% | 5,417 |
| Cash dividends to net income (ytd only)* | 29.9269% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 2,613 |
| Loan loss allowance to noncurrent loans | 91.5397% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 1.3591% | 2,053 |
| Noncurrent loans to loans | 1.6040% | 1,825 |
| Net loans and leases to total assets | 75.2517% | 1,375 |
| Net loans and leases to deposits | 87.3596% | 1,806 |
| Net loans and leases to core deposits | 93.0208% | 1,990 |
| Total domestic deposits to total assets | 86.1401% | 2,759 |
| Equity capital to assets | 11.4133% | 2,506 |
| Core capital (leverage) ratio | 9.7299% | 3,928 |
| Tier 1 risk-based capital ratio | 12.2658% | 5,183 |
| Total risk-based capital ratio | 13.5181% | 5,095 |
| Memoranda: | ||
| Average total assets | $726,829,600 | 927 |
| Average earning assets | $649,459,600 | 948 |
| Average equity | $82,931,000 | 886 |
| Average total loans | $544,616,600 | 810 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 1,822 |
| Cost of funding earning assets | 0.2912% | 4,976 |
| Net interest margin | 4.2223% | 1,217 |
| Noninterest income to average assets | 1.0976% | 1,009 |
| Noninterest expense to average assets | 3.7742% | 1,006 |
| Loan and lease loss provision to assets | 0.0369% | 3,666 |
| Net operating income to assets | 0.8241% | 3,319 |
| Return on assets (ROA) | 0.8297% | 3,376 |
| Pretax return on assets | 1.0617% | 3,333 |
| Return on Equity (ROE) | 7.2724% | 3,571 |
| Retained earnings to average equity (ytd only) | 6.8679% | 1,891 |
| Net charge-offs to loans | 0.0753% | 3,123 |
| Credit loss provision to net charge-offs | 65.7895% | 2,838 |
| Earnings coverage of net charge-offs (x) | 19.4508% | 1,782 |
| Efficiency ratio | 77.4469% | 2,276 |
| Assets per employee ($millions) | 3.2691% | 5,289 |
| Cash dividends to net income (ytd only)* | 5.5618% | 3,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 2,845 |
| Loan loss allowance to noncurrent loans | 158.1418% | 2,604 |
| Noncurrent assets plus other real estate owned to assets | 0.8589% | 3,268 |
| Noncurrent loans to loans | 0.9316% | 3,234 |
| Net loans and leases to total assets | 73.7423% | 1,567 |
| Net loans and leases to deposits | 85.5462% | 1,961 |
| Net loans and leases to core deposits | 91.1302% | 2,103 |
| Total domestic deposits to total assets | 86.2017% | 2,756 |
| Equity capital to assets | 11.3480% | 2,632 |
| Core capital (leverage) ratio | 9.9111% | 3,801 |
| Tier 1 risk-based capital ratio | 12.6140% | 5,098 |
| Total risk-based capital ratio | 13.8664% | 5,020 |
| Memoranda: | ||
| Average total assets | $722,317,500 | 940 |
| Average earning assets | $644,628,750 | 964 |
| Average equity | $82,410,000 | 892 |
| Average total loans | $538,549,250 | 820 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5375% | 1,700 |
| Cost of funding earning assets | 0.2992% | 4,975 |
| Net interest margin | 4.2383% | 1,156 |
| Noninterest income to average assets | 1.0410% | 1,096 |
| Noninterest expense to average assets | 3.7738% | 1,005 |
| Loan and lease loss provision to assets | 0.0280% | 3,714 |
| Net operating income to assets | 0.8166% | 3,248 |
| Return on assets (ROA) | 0.8170% | 3,345 |
| Pretax return on assets | 1.0155% | 3,422 |
| Return on Equity (ROE) | 7.1479% | 3,551 |
| Retained earnings to average equity (ytd only) | 7.1479% | 1,693 |
| Net charge-offs to loans | 0.0542% | 3,188 |
| Credit loss provision to net charge-offs | 69.4444% | 2,481 |
| Earnings coverage of net charge-offs (x) | 25.8403% | 1,392 |
| Efficiency ratio | 78.2252% | 2,262 |
| Assets per employee ($millions) | 3.1537% | 5,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 2,907 |
| Loan loss allowance to noncurrent loans | 130.1659% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0262% | 3,018 |
| Noncurrent loans to loans | 1.1512% | 2,928 |
| Net loans and leases to total assets | 76.0180% | 1,162 |
| Net loans and leases to deposits | 88.2273% | 1,567 |
| Net loans and leases to core deposits | 93.8730% | 1,789 |
| Total domestic deposits to total assets | 86.1615% | 2,962 |
| Equity capital to assets | 11.6316% | 2,295 |
| Core capital (leverage) ratio | 10.0141% | 3,590 |
| Tier 1 risk-based capital ratio | 12.4801% | 5,241 |
| Total risk-based capital ratio | 13.7329% | 5,162 |
| Memoranda: | ||
| Average total assets | $713,551,670 | 946 |
| Average earning assets | $635,686,670 | 974 |
| Average equity | $81,562,330 | 896 |
| Average total loans | $531,298,670 | 826 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4739% | 1,887 |
| Cost of funding earning assets | 0.2968% | 5,095 |
| Net interest margin | 4.1771% | 1,277 |
| Noninterest income to average assets | 0.8936% | 1,412 |
| Noninterest expense to average assets | 3.7433% | 1,067 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7020% | 3,677 |
| Return on assets (ROA) | 0.7051% | 3,740 |
| Pretax return on assets | 0.8767% | 3,803 |
| Return on Equity (ROE) | 6.2241% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.2241% | 2,424 |
| Net charge-offs to loans | 0.0547% | 2,616 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 21.8451% | 1,277 |
| Efficiency ratio | 80.9582% | 2,056 |
| Assets per employee ($millions) | 3.0126% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5740% | 2,817 |
| Loan loss allowance to noncurrent loans | 113.5965% | 3,320 |
| Noncurrent assets plus other real estate owned to assets | 1.3503% | 2,616 |
| Noncurrent loans to loans | 1.3856% | 2,709 |
| Net loans and leases to total assets | 72.2812% | 1,539 |
| Net loans and leases to deposits | 83.4949% | 1,877 |
| Net loans and leases to core deposits | 89.1134% | 1,990 |
| Total domestic deposits to total assets | 86.5696% | 3,068 |
| Equity capital to assets | 11.3458% | 2,379 |
| Core capital (leverage) ratio | 9.9872% | 3,592 |
| Tier 1 risk-based capital ratio | 12.7387% | 5,170 |
| Total risk-based capital ratio | 13.9922% | 5,103 |
| Memoranda: | ||
| Average total assets | $710,807,500 | 954 |
| Average earning assets | $633,454,500 | 983 |
| Average equity | $80,525,500 | 908 |
| Average total loans | $519,490,500 | 845 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 2,777 |
| Cost of funding earning assets | 0.3710% | 4,938 |
| Net interest margin | 3.9774% | 2,014 |
| Noninterest income to average assets | 1.2648% | 866 |
| Noninterest expense to average assets | 4.1301% | 752 |
| Loan and lease loss provision to assets | -0.0659% | 6,421 |
| Net operating income to assets | 0.5738% | 4,388 |
| Return on assets (ROA) | 0.6164% | 4,301 |
| Pretax return on assets | 0.7770% | 4,237 |
| Return on Equity (ROE) | 5.2495% | 4,518 |
| Retained earnings to average equity (ytd only) | 2.2555% | 4,642 |
| Net charge-offs to loans | 0.1127% | 3,698 |
| Credit loss provision to net charge-offs | -81.9672% | 5,843 |
| Earnings coverage of net charge-offs (x) | 8.1712% | 2,715 |
| Efficiency ratio | 86.1877% | 1,399 |
| Assets per employee ($millions) | 3.0111% | 5,818 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 2,645 |
| Loan loss allowance to noncurrent loans | 115.4080% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.4216% | 2,617 |
| Noncurrent loans to loans | 1.4135% | 2,778 |
| Net loans and leases to total assets | 71.5395% | 1,763 |
| Net loans and leases to deposits | 82.6579% | 2,111 |
| Net loans and leases to core deposits | 88.0183% | 2,244 |
| Total domestic deposits to total assets | 86.5488% | 2,971 |
| Equity capital to assets | 11.3114% | 2,327 |
| Core capital (leverage) ratio | 9.7741% | 3,878 |
| Tier 1 risk-based capital ratio | 12.7804% | 5,126 |
| Total risk-based capital ratio | 14.0345% | 5,069 |
| Memoranda: | ||
| Average total assets | $682,664,200 | 975 |
| Average earning assets | $604,589,800 | 1,014 |
| Average equity | $80,159,400 | 893 |
| Average total loans | $487,217,200 | 872 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3385% | 2,837 |
| Cost of funding earning assets | 0.3878% | 4,921 |
| Net interest margin | 3.9507% | 2,112 |
| Noninterest income to average assets | 1.3837% | 760 |
| Noninterest expense to average assets | 4.2251% | 672 |
| Loan and lease loss provision to assets | -0.0886% | 6,612 |
| Net operating income to assets | 0.6115% | 4,302 |
| Return on assets (ROA) | 0.6708% | 4,154 |
| Pretax return on assets | 0.8106% | 4,252 |
| Return on Equity (ROE) | 5.6588% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.0360% | 3,053 |
| Net charge-offs to loans | 0.0283% | 4,559 |
| Credit loss provision to net charge-offs | -441.1765% | 6,030 |
| Earnings coverage of net charge-offs (x) | 32.3913% | 1,174 |
| Efficiency ratio | 86.5929% | 1,306 |
| Assets per employee ($millions) | 3.0971% | 5,680 |
| Cash dividends to net income (ytd only)* | 11.0068% | 3,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7827% | 2,357 |
| Loan loss allowance to noncurrent loans | 109.3913% | 3,247 |
| Noncurrent assets plus other real estate owned to assets | 1.7310% | 2,372 |
| Noncurrent loans to loans | 1.6297% | 2,735 |
| Net loans and leases to total assets | 67.8127% | 2,322 |
| Net loans and leases to deposits | 78.3674% | 2,607 |
| Net loans and leases to core deposits | 83.7917% | 2,673 |
| Total domestic deposits to total assets | 86.5318% | 2,945 |
| Equity capital to assets | 11.3643% | 2,416 |
| Core capital (leverage) ratio | 10.0363% | 3,629 |
| Tier 1 risk-based capital ratio | 13.5905% | 4,695 |
| Total risk-based capital ratio | 14.8466% | 4,653 |
| Memoranda: | ||
| Average total assets | $677,178,500 | 988 |
| Average earning assets | $598,535,000 | 1,032 |
| Average equity | $80,274,000 | 898 |
| Average total loans | $480,913,750 | 886 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3905% | 2,603 |
| Cost of funding earning assets | 0.4141% | 4,816 |
| Net interest margin | 3.9763% | 1,941 |
| Noninterest income to average assets | 1.5005% | 696 |
| Noninterest expense to average assets | 4.4083% | 574 |
| Loan and lease loss provision to assets | -0.1355% | 6,738 |
| Net operating income to assets | 0.6148% | 4,219 |
| Return on assets (ROA) | 0.7041% | 3,956 |
| Pretax return on assets | 0.8428% | 4,143 |
| Return on Equity (ROE) | 5.8526% | 4,251 |
| Retained earnings to average equity (ytd only) | 4.9143% | 3,108 |
| Net charge-offs to loans | -0.0227% | 6,005 |
| Credit loss provision to net charge-offs | 833.3333% | 363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0002% | 1,220 |
| Assets per employee ($millions) | 2.9193% | 5,988 |
| Cash dividends to net income (ytd only)* | 16.0325% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8462% | 2,273 |
| Loan loss allowance to noncurrent loans | 86.4390% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 2.0144% | 2,143 |
| Noncurrent loans to loans | 2.1358% | 2,243 |
| Net loans and leases to total assets | 69.4541% | 1,986 |
| Net loans and leases to deposits | 80.5629% | 2,243 |
| Net loans and leases to core deposits | 86.6012% | 2,275 |
| Total domestic deposits to total assets | 86.2110% | 3,255 |
| Equity capital to assets | 11.6176% | 2,199 |
| Core capital (leverage) ratio | 10.4240% | 2,963 |
| Tier 1 risk-based capital ratio | 13.9573% | 4,451 |
| Total risk-based capital ratio | 15.2147% | 4,408 |
| Memoranda: | ||
| Average total assets | $664,424,330 | 1,006 |
| Average earning assets | $586,317,670 | 1,053 |
| Average equity | $79,930,330 | 905 |
| Average total loans | $476,563,000 | 887 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 2,713 |
| Cost of funding earning assets | 0.4351% | 4,753 |
| Net interest margin | 3.9099% | 2,086 |
| Noninterest income to average assets | 1.3555% | 837 |
| Noninterest expense to average assets | 4.2856% | 635 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4729% | 4,806 |
| Return on assets (ROA) | 0.5049% | 4,778 |
| Pretax return on assets | 0.5587% | 5,086 |
| Return on Equity (ROE) | 4.1227% | 5,033 |
| Retained earnings to average equity (ytd only) | 4.1227% | 3,749 |
| Net charge-offs to loans | 0.0085% | 3,981 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 85.5000% | 438 |
| Efficiency ratio | 89.1194% | 1,220 |
| Assets per employee ($millions) | 2.8015% | 6,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9350% | 2,208 |
| Loan loss allowance to noncurrent loans | 70.9795% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 2.6083% | 1,748 |
| Noncurrent loans to loans | 2.7261% | 1,872 |
| Net loans and leases to total assets | 71.3536% | 1,462 |
| Net loans and leases to deposits | 83.2237% | 1,677 |
| Net loans and leases to core deposits | 89.7545% | 1,721 |
| Total domestic deposits to total assets | 85.7371% | 3,664 |
| Equity capital to assets | 12.1103% | 1,965 |
| Core capital (leverage) ratio | 10.7067% | 2,543 |
| Tier 1 risk-based capital ratio | 14.3388% | 4,268 |
| Total risk-based capital ratio | 15.5977% | 4,230 |
| Memoranda: | ||
| Average total assets | $653,623,500 | 1,038 |
| Average earning assets | $577,304,500 | 1,069 |
| Average equity | $80,045,500 | 918 |
| Average total loans | $472,127,000 | 897 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 1,868 |
| Cost of funding earning assets | 0.5658% | 4,684 |
| Net interest margin | 4.3261% | 1,335 |
| Noninterest income to average assets | 1.2637% | 980 |
| Noninterest expense to average assets | 4.1940% | 773 |
| Loan and lease loss provision to assets | -0.1717% | 6,969 |
| Net operating income to assets | 0.8139% | 3,227 |
| Return on assets (ROA) | 0.8102% | 3,489 |
| Pretax return on assets | 1.0288% | 3,442 |
| Return on Equity (ROE) | 6.5896% | 3,866 |
| Retained earnings to average equity (ytd only) | 2.1466% | 4,724 |
| Net charge-offs to loans | 0.1396% | 4,295 |
| Credit loss provision to net charge-offs | -164.4245% | 6,370 |
| Earnings coverage of net charge-offs (x) | 8.2541% | 2,443 |
| Efficiency ratio | 82.9536% | 1,753 |
| Assets per employee ($millions) | 2.7143% | 6,411 |
| Cash dividends to net income (ytd only)* | 67.4244% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0293% | 1,939 |
| Loan loss allowance to noncurrent loans | 61.9243% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 3.0765% | 1,532 |
| Noncurrent loans to loans | 3.2771% | 1,567 |
| Net loans and leases to total assets | 70.2313% | 1,801 |
| Net loans and leases to deposits | 82.3805% | 1,950 |
| Net loans and leases to core deposits | 89.1039% | 1,949 |
| Total domestic deposits to total assets | 85.2523% | 3,741 |
| Equity capital to assets | 12.3869% | 1,798 |
| Core capital (leverage) ratio | 10.6886% | 2,555 |
| Tier 1 risk-based capital ratio | 14.9557% | 3,740 |
| Total risk-based capital ratio | 16.2165% | 3,690 |
| Memoranda: | ||
| Average total assets | $640,729,000 | 1,030 |
| Average earning assets | $561,643,000 | 1,082 |
| Average equity | $78,775,200 | 891 |
| Average total loans | $479,151,800 | 857 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 1,841 |
| Cost of funding earning assets | 0.5900% | 4,746 |
| Net interest margin | 4.3575% | 1,328 |
| Noninterest income to average assets | 1.2706% | 913 |
| Noninterest expense to average assets | 4.1047% | 821 |
| Loan and lease loss provision to assets | 0.0833% | 4,576 |
| Net operating income to assets | 0.7465% | 3,706 |
| Return on assets (ROA) | 0.7290% | 4,024 |
| Pretax return on assets | 0.8784% | 4,198 |
| Return on Equity (ROE) | 5.9410% | 4,358 |
| Retained earnings to average equity (ytd only) | 3.5646% | 4,368 |
| Net charge-offs to loans | 0.1020% | 4,373 |
| Credit loss provision to net charge-offs | 108.1081% | 2,716 |
| Earnings coverage of net charge-offs (x) | 12.7514% | 1,978 |
| Efficiency ratio | 80.6829% | 1,989 |
| Assets per employee ($millions) | 2.7624% | 6,404 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2877% | 1,543 |
| Loan loss allowance to noncurrent loans | 94.6471% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 2.7330% | 1,935 |
| Noncurrent loans to loans | 2.4171% | 2,382 |
| Net loans and leases to total assets | 74.0385% | 1,243 |
| Net loans and leases to deposits | 86.8981% | 1,495 |
| Net loans and leases to core deposits | 93.3223% | 1,647 |
| Total domestic deposits to total assets | 85.2016% | 3,662 |
| Equity capital to assets | 12.4366% | 1,938 |
| Core capital (leverage) ratio | 10.7835% | 2,626 |
| Tier 1 risk-based capital ratio | 14.7703% | 4,000 |
| Total risk-based capital ratio | 16.0352% | 3,945 |
| Memoranda: | ||
| Average total assets | $640,089,750 | 1,039 |
| Average earning assets | $560,678,000 | 1,089 |
| Average equity | $78,548,250 | 901 |
| Average total loans | $483,653,250 | 861 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 1,727 |
| Cost of funding earning assets | 0.6156% | 4,758 |
| Net interest margin | 4.4059% | 1,182 |
| Noninterest income to average assets | 1.2293% | 944 |
| Noninterest expense to average assets | 4.0898% | 846 |
| Loan and lease loss provision to assets | 0.1252% | 3,955 |
| Net operating income to assets | 0.7375% | 3,664 |
| Return on assets (ROA) | 0.7359% | 3,943 |
| Pretax return on assets | 0.8727% | 4,187 |
| Return on Equity (ROE) | 6.0244% | 4,316 |
| Retained earnings to average equity (ytd only) | 2.4369% | 4,966 |
| Net charge-offs to loans | 0.1920% | 3,433 |
| Credit loss provision to net charge-offs | 86.3931% | 3,148 |
| Earnings coverage of net charge-offs (x) | 6.8985% | 2,563 |
| Efficiency ratio | 80.3555% | 2,116 |
| Assets per employee ($millions) | 2.7874% | 6,424 |
| Cash dividends to net income (ytd only)* | 59.5491% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3085% | 1,577 |
| Loan loss allowance to noncurrent loans | 108.3007% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 2.5936% | 2,138 |
| Noncurrent loans to loans | 2.1316% | 2,787 |
| Net loans and leases to total assets | 73.9956% | 1,241 |
| Net loans and leases to deposits | 86.7752% | 1,508 |
| Net loans and leases to core deposits | 93.9523% | 1,611 |
| Total domestic deposits to total assets | 85.2727% | 3,724 |
| Equity capital to assets | 12.3856% | 1,889 |
| Core capital (leverage) ratio | 10.6417% | 2,672 |
| Tier 1 risk-based capital ratio | 14.5629% | 4,056 |
| Total risk-based capital ratio | 15.8275% | 4,008 |
| Memoranda: | ||
| Average total assets | $638,905,670 | 1,037 |
| Average earning assets | $559,799,000 | 1,088 |
| Average equity | $78,048,670 | 897 |
| Average total loans | $482,304,330 | 856 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 1,894 |
| Cost of funding earning assets | 0.6402% | 4,821 |
| Net interest margin | 4.3574% | 1,323 |
| Noninterest income to average assets | 1.1209% | 1,125 |
| Noninterest expense to average assets | 4.0206% | 914 |
| Loan and lease loss provision to assets | 0.0623% | 4,640 |
| Net operating income to assets | 0.7368% | 3,699 |
| Return on assets (ROA) | 0.7047% | 4,081 |
| Pretax return on assets | 0.8175% | 4,350 |
| Return on Equity (ROE) | 5.8083% | 4,399 |
| Retained earnings to average equity (ytd only) | 5.8083% | 3,067 |
| Net charge-offs to loans | 0.3009% | 2,458 |
| Credit loss provision to net charge-offs | 27.4725% | 3,665 |
| Earnings coverage of net charge-offs (x) | 4.0440% | 2,682 |
| Efficiency ratio | 81.4259% | 2,019 |
| Assets per employee ($millions) | 2.9127% | 6,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2681% | 1,741 |
| Loan loss allowance to noncurrent loans | 91.1708% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 3.0870% | 1,890 |
| Noncurrent loans to loans | 2.4877% | 2,618 |
| Net loans and leases to total assets | 72.7186% | 1,271 |
| Net loans and leases to deposits | 84.9934% | 1,535 |
| Net loans and leases to core deposits | 92.0705% | 1,643 |
| Total domestic deposits to total assets | 85.5579% | 3,765 |
| Equity capital to assets | 12.1873% | 1,925 |
| Core capital (leverage) ratio | 10.6793% | 2,572 |
| Tier 1 risk-based capital ratio | 14.2887% | 4,249 |
| Total risk-based capital ratio | 15.5523% | 4,213 |
| Memoranda: | ||
| Average total assets | $641,987,500 | 1,031 |
| Average earning assets | $562,356,500 | 1,088 |
| Average equity | $77,888,500 | 895 |
| Average total loans | $483,824,000 | 853 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 2,108 |
| Cost of funding earning assets | 0.9287% | 3,890 |
| Net interest margin | 4.2605% | 1,841 |
| Noninterest income to average assets | 0.9619% | 1,467 |
| Noninterest expense to average assets | 3.7858% | 1,372 |
| Loan and lease loss provision to assets | 0.3887% | 2,661 |
| Net operating income to assets | 0.4781% | 4,513 |
| Return on assets (ROA) | 0.5302% | 4,502 |
| Pretax return on assets | 0.5819% | 4,740 |
| Return on Equity (ROE) | 4.5254% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.5254% | 2,951 |
| Net charge-offs to loans | 0.4128% | 3,358 |
| Credit loss provision to net charge-offs | 125.6281% | 2,492 |
| Earnings coverage of net charge-offs (x) | 2.9523% | 3,730 |
| Efficiency ratio | 80.4467% | 2,246 |
| Assets per employee ($millions) | 3.0060% | 6,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2769% | 1,664 |
| Loan loss allowance to noncurrent loans | 79.2804% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 3.3986% | 1,745 |
| Noncurrent loans to loans | 2.8719% | 2,276 |
| Net loans and leases to total assets | 74.5880% | 1,155 |
| Net loans and leases to deposits | 87.0826% | 1,510 |
| Net loans and leases to core deposits | 94.1430% | 1,682 |
| Total domestic deposits to total assets | 85.6520% | 3,512 |
| Equity capital to assets | 12.0772% | 2,064 |
| Core capital (leverage) ratio | 10.3505% | 2,912 |
| Tier 1 risk-based capital ratio | 13.7913% | 4,487 |
| Total risk-based capital ratio | 15.0483% | 4,441 |
| Memoranda: | ||
| Average total assets | $643,190,000 | 1,009 |
| Average earning assets | $564,206,600 | 1,053 |
| Average equity | $75,352,400 | 890 |
| Average total loans | $482,112,400 | 866 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2033% | 2,194 |
| Cost of funding earning assets | 1.0033% | 3,659 |
| Net interest margin | 4.2000% | 2,099 |
| Noninterest income to average assets | 0.8889% | 1,688 |
| Noninterest expense to average assets | 3.7302% | 1,437 |
| Loan and lease loss provision to assets | 0.3209% | 2,970 |
| Net operating income to assets | 0.5052% | 4,528 |
| Return on assets (ROA) | 0.5640% | 4,421 |
| Pretax return on assets | 0.5841% | 4,867 |
| Return on Equity (ROE) | 4.8517% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.8517% | 3,275 |
| Net charge-offs to loans | 0.3452% | 3,372 |
| Credit loss provision to net charge-offs | 124.5981% | 2,583 |
| Earnings coverage of net charge-offs (x) | 3.2781% | 3,509 |
| Efficiency ratio | 81.3832% | 2,058 |
| Assets per employee ($millions) | 3.0781% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2496% | 1,782 |
| Loan loss allowance to noncurrent loans | 87.2374% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 3.2513% | 1,955 |
| Noncurrent loans to loans | 2.5787% | 2,687 |
| Net loans and leases to total assets | 72.7332% | 1,560 |
| Net loans and leases to deposits | 84.5554% | 1,910 |
| Net loans and leases to core deposits | 92.1265% | 1,983 |
| Total domestic deposits to total assets | 86.0184% | 3,209 |
| Equity capital to assets | 11.7999% | 2,411 |
| Core capital (leverage) ratio | 10.0256% | 3,403 |
| Tier 1 risk-based capital ratio | 13.7044% | 4,571 |
| Total risk-based capital ratio | 14.9677% | 4,527 |
| Memoranda: | ||
| Average total assets | $643,919,500 | 1,010 |
| Average earning assets | $565,066,250 | 1,058 |
| Average equity | $74,858,750 | 905 |
| Average total loans | $480,467,250 | 885 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2075% | 2,230 |
| Cost of funding earning assets | 1.0632% | 3,524 |
| Net interest margin | 4.1443% | 2,247 |
| Noninterest income to average assets | 0.8614% | 1,766 |
| Noninterest expense to average assets | 3.9960% | 1,059 |
| Loan and lease loss provision to assets | 0.1560% | 4,362 |
| Net operating income to assets | 0.3838% | 5,027 |
| Return on assets (ROA) | 0.4412% | 4,903 |
| Pretax return on assets | 0.4056% | 5,378 |
| Return on Equity (ROE) | 3.8142% | 5,014 |
| Retained earnings to average equity (ytd only) | 3.8142% | 3,784 |
| Net charge-offs to loans | 0.0631% | 5,017 |
| Credit loss provision to net charge-offs | 331.1258% | 924 |
| Earnings coverage of net charge-offs (x) | 10.7020% | 1,777 |
| Efficiency ratio | 88.5538% | 1,357 |
| Assets per employee ($millions) | 3.0171% | 6,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2555% | 1,817 |
| Loan loss allowance to noncurrent loans | 84.9551% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 3.0643% | 2,191 |
| Noncurrent loans to loans | 2.6549% | 2,744 |
| Net loans and leases to total assets | 73.9490% | 1,429 |
| Net loans and leases to deposits | 87.3006% | 1,607 |
| Net loans and leases to core deposits | 97.0043% | 1,580 |
| Total domestic deposits to total assets | 84.7061% | 4,015 |
| Equity capital to assets | 11.6966% | 2,329 |
| Core capital (leverage) ratio | 10.0521% | 3,200 |
| Tier 1 risk-based capital ratio | 13.2288% | 4,746 |
| Total risk-based capital ratio | 14.4918% | 4,710 |
| Memoranda: | ||
| Average total assets | $641,038,330 | 1,024 |
| Average earning assets | $562,840,000 | 1,074 |
| Average equity | $74,144,330 | 914 |
| Average total loans | $478,772,000 | 907 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 2,104 |
| Cost of funding earning assets | 1.1063% | 3,480 |
| Net interest margin | 4.1276% | 2,163 |
| Noninterest income to average assets | 0.8834% | 1,718 |
| Noninterest expense to average assets | 3.9136% | 1,156 |
| Loan and lease loss provision to assets | 0.3124% | 2,673 |
| Net operating income to assets | 0.3149% | 5,335 |
| Return on assets (ROA) | 0.3836% | 5,105 |
| Pretax return on assets | 0.3486% | 5,516 |
| Return on Equity (ROE) | 3.3355% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.3355% | 4,181 |
| Net charge-offs to loans | 0.2888% | 2,902 |
| Credit loss provision to net charge-offs | 145.7726% | 1,945 |
| Earnings coverage of net charge-offs (x) | 2.7638% | 2,973 |
| Efficiency ratio | 86.3699% | 1,674 |
| Assets per employee ($millions) | 2.8582% | 6,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2672% | 1,825 |
| Loan loss allowance to noncurrent loans | 99.3728% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 2.7466% | 2,518 |
| Noncurrent loans to loans | 2.2815% | 3,218 |
| Net loans and leases to total assets | 72.8687% | 1,540 |
| Net loans and leases to deposits | 86.2111% | 1,696 |
| Net loans and leases to core deposits | 96.2610% | 1,656 |
| Total domestic deposits to total assets | 84.5236% | 4,258 |
| Equity capital to assets | 11.6345% | 2,174 |
| Core capital (leverage) ratio | 9.9682% | 3,179 |
| Tier 1 risk-based capital ratio | 13.3844% | 4,518 |
| Total risk-based capital ratio | 14.6477% | 4,487 |
| Memoranda: | ||
| Average total assets | $640,232,500 | 1,037 |
| Average earning assets | $561,876,000 | 1,088 |
| Average equity | $73,632,500 | 915 |
| Average total loans | $475,058,500 | 919 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4621% | 2,428 |
| Cost of funding earning assets | 1.3164% | 3,777 |
| Net interest margin | 4.1457% | 2,385 |
| Noninterest income to average assets | 1.2415% | 974 |
| Noninterest expense to average assets | 4.0490% | 1,096 |
| Loan and lease loss provision to assets | 0.5577% | 2,898 |
| Net operating income to assets | 0.3032% | 4,927 |
| Return on assets (ROA) | 0.3685% | 4,831 |
| Pretax return on assets | 0.3214% | 5,177 |
| Return on Equity (ROE) | 3.2941% | 4,824 |
| Retained earnings to average equity (ytd only) | 3.2941% | 3,564 |
| Net charge-offs to loans | 0.8392% | 2,533 |
| Credit loss provision to net charge-offs | 88.3436% | 5,196 |
| Earnings coverage of net charge-offs (x) | 1.2891% | 4,813 |
| Efficiency ratio | 82.8130% | 2,067 |
| Assets per employee ($millions) | 2.8968% | 6,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 1,808 |
| Loan loss allowance to noncurrent loans | 106.1806% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 2.5780% | 2,705 |
| Noncurrent loans to loans | 2.1055% | 3,430 |
| Net loans and leases to total assets | 72.1950% | 2,058 |
| Net loans and leases to deposits | 85.1063% | 2,262 |
| Net loans and leases to core deposits | 96.1149% | 2,003 |
| Total domestic deposits to total assets | 84.8293% | 3,938 |
| Equity capital to assets | 11.3685% | 2,360 |
| Core capital (leverage) ratio | 9.8015% | 3,311 |
| Tier 1 risk-based capital ratio | 13.3531% | 4,326 |
| Total risk-based capital ratio | 14.6160% | 4,277 |
| Memoranda: | ||
| Average total assets | $645,517,600 | 1,034 |
| Average earning assets | $563,866,600 | 1,074 |
| Average equity | $72,220,400 | 928 |
| Average total loans | $485,602,000 | 924 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5096% | 2,395 |
| Cost of funding earning assets | 1.3670% | 3,795 |
| Net interest margin | 4.1425% | 2,438 |
| Noninterest income to average assets | 1.1944% | 977 |
| Noninterest expense to average assets | 3.8631% | 1,255 |
| Loan and lease loss provision to assets | 0.5881% | 2,584 |
| Net operating income to assets | 0.3661% | 4,905 |
| Return on assets (ROA) | 0.4490% | 4,732 |
| Pretax return on assets | 0.4366% | 5,124 |
| Return on Equity (ROE) | 4.0296% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.0296% | 3,638 |
| Net charge-offs to loans | 0.6638% | 2,767 |
| Credit loss provision to net charge-offs | 117.2357% | 3,540 |
| Earnings coverage of net charge-offs (x) | 1.8774% | 4,303 |
| Efficiency ratio | 79.9442% | 2,344 |
| Assets per employee ($millions) | 2.9580% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3686% | 1,518 |
| Loan loss allowance to noncurrent loans | 174.7003% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 2.5655% | 2,806 |
| Noncurrent loans to loans | 1.3558% | 4,599 |
| Net loans and leases to total assets | 74.9541% | 1,592 |
| Net loans and leases to deposits | 88.7234% | 1,901 |
| Net loans and leases to core deposits | 101.2706% | 1,723 |
| Total domestic deposits to total assets | 84.4807% | 3,876 |
| Equity capital to assets | 11.6466% | 2,411 |
| Core capital (leverage) ratio | 9.8762% | 3,388 |
| Tier 1 risk-based capital ratio | 13.0347% | 4,556 |
| Total risk-based capital ratio | 14.2996% | 4,520 |
| Memoranda: | ||
| Average total assets | $646,123,500 | 1,045 |
| Average earning assets | $563,151,000 | 1,079 |
| Average equity | $71,998,000 | 929 |
| Average total loans | $488,277,750 | 928 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5150% | 2,460 |
| Cost of funding earning assets | 1.4186% | 3,754 |
| Net interest margin | 4.0964% | 2,576 |
| Noninterest income to average assets | 1.1610% | 954 |
| Noninterest expense to average assets | 3.8313% | 1,304 |
| Loan and lease loss provision to assets | 0.6149% | 2,330 |
| Net operating income to assets | 0.3385% | 5,031 |
| Return on assets (ROA) | 0.4621% | 4,654 |
| Pretax return on assets | 0.4135% | 5,186 |
| Return on Equity (ROE) | 4.2088% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.2088% | 3,392 |
| Net charge-offs to loans | 0.7558% | 2,353 |
| Credit loss provision to net charge-offs | 108.2251% | 3,761 |
| Earnings coverage of net charge-offs (x) | 1.5925% | 4,302 |
| Efficiency ratio | 80.4337% | 2,383 |
| Assets per employee ($millions) | 2.9592% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3382% | 1,527 |
| Loan loss allowance to noncurrent loans | 106.1155% | 2,622 |
| Noncurrent assets plus other real estate owned to assets | 2.6803% | 2,694 |
| Noncurrent loans to loans | 2.2035% | 3,475 |
| Net loans and leases to total assets | 73.4741% | 2,038 |
| Net loans and leases to deposits | 87.0637% | 2,324 |
| Net loans and leases to core deposits | 102.5939% | 1,776 |
| Total domestic deposits to total assets | 84.3912% | 3,918 |
| Equity capital to assets | 11.3656% | 2,545 |
| Core capital (leverage) ratio | 9.6362% | 3,631 |
| Tier 1 risk-based capital ratio | 13.0466% | 4,401 |
| Total risk-based capital ratio | 14.3110% | 4,342 |
| Memoranda: | ||
| Average total assets | $650,491,670 | 1,042 |
| Average earning assets | $567,723,330 | 1,079 |
| Average equity | $71,422,330 | 931 |
| Average total loans | $489,042,000 | 934 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5294% | 2,461 |
| Cost of funding earning assets | 1.4609% | 3,800 |
| Net interest margin | 4.0684% | 2,574 |
| Noninterest income to average assets | 0.9144% | 1,575 |
| Noninterest expense to average assets | 3.6663% | 1,583 |
| Loan and lease loss provision to assets | 0.4877% | 2,548 |
| Net operating income to assets | 0.3615% | 5,014 |
| Return on assets (ROA) | 0.5011% | 4,528 |
| Pretax return on assets | 0.4499% | 5,134 |
| Return on Equity (ROE) | 4.6434% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.6434% | 3,354 |
| Net charge-offs to loans | 0.0527% | 4,878 |
| Credit loss provision to net charge-offs | 1,230.7692% | 400 |
| Earnings coverage of net charge-offs (x) | 20.1385% | 1,172 |
| Efficiency ratio | 81.6332% | 2,328 |
| Assets per employee ($millions) | 2.9998% | 6,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4010% | 1,419 |
| Loan loss allowance to noncurrent loans | 82.3779% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 3.4956% | 2,013 |
| Noncurrent loans to loans | 2.9146% | 2,763 |
| Net loans and leases to total assets | 74.5423% | 1,847 |
| Net loans and leases to deposits | 88.1610% | 2,195 |
| Net loans and leases to core deposits | 104.6577% | 1,688 |
| Total domestic deposits to total assets | 84.5525% | 3,875 |
| Equity capital to assets | 11.0363% | 2,727 |
| Core capital (leverage) ratio | 9.3149% | 4,027 |
| Tier 1 risk-based capital ratio | 12.5592% | 4,685 |
| Total risk-based capital ratio | 13.8243% | 4,638 |
| Memoranda: | ||
| Average total assets | $656,146,000 | 1,052 |
| Average earning assets | $572,508,500 | 1,098 |
| Average equity | $70,810,000 | 933 |
| Average total loans | $493,124,000 | 952 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6671% | 3,269 |
| Cost of funding earning assets | 1.8093% | 3,938 |
| Net interest margin | 3.8579% | 3,445 |
| Noninterest income to average assets | 0.9908% | 1,609 |
| Noninterest expense to average assets | 4.4638% | 826 |
| Loan and lease loss provision to assets | 1.5102% | 1,522 |
| Net operating income to assets | -0.8851% | 6,503 |
| Return on assets (ROA) | -0.8380% | 6,464 |
| Pretax return on assets | -1.5243% | 6,720 |
| Return on Equity (ROE) | -8.2825% | 6,491 |
| Retained earnings to average equity (ytd only) | -8.2825% | 6,376 |
| Net charge-offs to loans | 1.3045% | 1,903 |
| Credit loss provision to net charge-offs | 153.5753% | 2,983 |
| Earnings coverage of net charge-offs (x) | -0.0891% | 6,323 |
| Efficiency ratio | 101.5096% | 1,029 |
| Assets per employee ($millions) | 3.0472% | 6,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2469% | 1,568 |
| Loan loss allowance to noncurrent loans | 68.5030% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 3.4251% | 1,966 |
| Noncurrent loans to loans | 3.2800% | 2,332 |
| Net loans and leases to total assets | 72.3120% | 2,678 |
| Net loans and leases to deposits | 84.8990% | 3,105 |
| Net loans and leases to core deposits | 121.6190% | 1,825 |
| Total domestic deposits to total assets | 85.1741% | 3,469 |
| Equity capital to assets | 10.5555% | 3,125 |
| Core capital (leverage) ratio | 9.0341% | 4,367 |
| Tier 1 risk-based capital ratio | 11.8056% | 5,109 |
| Total risk-based capital ratio | 13.0676% | 5,066 |
| Memoranda: | ||
| Average total assets | $658,448,000 | 1,053 |
| Average earning assets | $577,804,800 | 1,094 |
| Average equity | $66,622,000 | 991 |
| Average total loans | $496,372,000 | 969 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 3,243 |
| Cost of funding earning assets | 1.8857% | 3,950 |
| Net interest margin | 3.8334% | 3,509 |
| Noninterest income to average assets | 1.2384% | 1,005 |
| Noninterest expense to average assets | 4.3882% | 829 |
| Loan and lease loss provision to assets | 1.7359% | 1,061 |
| Net operating income to assets | -0.8075% | 6,697 |
| Return on assets (ROA) | -0.7530% | 6,659 |
| Pretax return on assets | -1.4340% | 6,927 |
| Return on Equity (ROE) | -7.5246% | 6,697 |
| Retained earnings to average equity (ytd only) | -7.5246% | 6,549 |
| Net charge-offs to loans | 1.2304% | 1,663 |
| Credit loss provision to net charge-offs | 186.2655% | 2,445 |
| Earnings coverage of net charge-offs (x) | 0.2326% | 5,784 |
| Efficiency ratio | 94.8246% | 1,345 |
| Assets per employee ($millions) | 3.1964% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3468% | 1,240 |
| Loan loss allowance to noncurrent loans | 68.8671% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 3.9669% | 1,622 |
| Noncurrent loans to loans | 3.4077% | 2,209 |
| Net loans and leases to total assets | 70.7741% | 3,323 |
| Net loans and leases to deposits | 83.1407% | 3,803 |
| Net loans and leases to core deposits | 121.8522% | 2,085 |
| Total domestic deposits to total assets | 85.1257% | 3,162 |
| Equity capital to assets | 10.6340% | 3,366 |
| Core capital (leverage) ratio | 9.2807% | 4,217 |
| Tier 1 risk-based capital ratio | 12.0004% | 4,978 |
| Total risk-based capital ratio | 13.2631% | 4,901 |
| Memoranda: | ||
| Average total assets | $656,225,250 | 1,071 |
| Average earning assets | $576,316,000 | 1,106 |
| Average equity | $65,667,250 | 1,022 |
| Average total loans | $497,050,500 | 986 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7790% | 3,144 |
| Cost of funding earning assets | 1.9461% | 4,029 |
| Net interest margin | 3.8329% | 3,402 |
| Noninterest income to average assets | 1.3030% | 903 |
| Noninterest expense to average assets | 4.4968% | 782 |
| Loan and lease loss provision to assets | 1.6586% | 1,005 |
| Net operating income to assets | -0.7135% | 6,768 |
| Return on assets (ROA) | -0.6537% | 6,716 |
| Pretax return on assets | -1.3944% | 7,032 |
| Return on Equity (ROE) | -6.6790% | 6,770 |
| Retained earnings to average equity (ytd only) | -6.6790% | 6,524 |
| Net charge-offs to loans | 1.1215% | 1,619 |
| Credit loss provision to net charge-offs | 192.3407% | 2,376 |
| Earnings coverage of net charge-offs (x) | 0.1979% | 5,474 |
| Efficiency ratio | 95.8738% | 1,385 |
| Assets per employee ($millions) | 3.1347% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 1,463 |
| Loan loss allowance to noncurrent loans | 53.8474% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 4.4830% | 1,248 |
| Noncurrent loans to loans | 3.8268% | 1,784 |
| Net loans and leases to total assets | 72.6295% | 3,060 |
| Net loans and leases to deposits | 85.5653% | 3,630 |
| Net loans and leases to core deposits | 129.4864% | 1,615 |
| Total domestic deposits to total assets | 84.8820% | 3,322 |
| Equity capital to assets | 9.8899% | 4,094 |
| Core capital (leverage) ratio | 8.5176% | 5,418 |
| Tier 1 risk-based capital ratio | 10.8997% | 5,982 |
| Total risk-based capital ratio | 12.1590% | 5,913 |
| Memoranda: | ||
| Average total assets | $648,021,330 | 1,103 |
| Average earning assets | $568,819,330 | 1,143 |
| Average equity | $63,423,000 | 1,073 |
| Average total loans | $498,255,330 | 997 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8830% | 2,879 |
| Cost of funding earning assets | 1.8912% | 4,674 |
| Net interest margin | 3.9918% | 2,679 |
| Noninterest income to average assets | 1.2341% | 943 |
| Noninterest expense to average assets | 4.1004% | 1,062 |
| Loan and lease loss provision to assets | 1.1201% | 1,164 |
| Net operating income to assets | -0.1830% | 6,532 |
| Return on assets (ROA) | -0.0614% | 6,472 |
| Pretax return on assets | -0.2827% | 6,656 |
| Return on Equity (ROE) | -0.6311% | 6,483 |
| Retained earnings to average equity (ytd only) | -0.6311% | 5,793 |
| Net charge-offs to loans | 1.0964% | 1,242 |
| Credit loss provision to net charge-offs | 130.4380% | 3,070 |
| Earnings coverage of net charge-offs (x) | 0.7540% | 4,421 |
| Efficiency ratio | 85.9010% | 2,079 |
| Assets per employee ($millions) | 3.0952% | 5,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5979% | 2,528 |
| Loan loss allowance to noncurrent loans | 39.5708% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 4.2211% | 1,187 |
| Noncurrent loans to loans | 4.0380% | 1,485 |
| Net loans and leases to total assets | 75.8147% | 2,312 |
| Net loans and leases to deposits | 90.1714% | 2,903 |
| Net loans and leases to core deposits | 136.6707% | 1,264 |
| Total domestic deposits to total assets | 84.0784% | 3,672 |
| Equity capital to assets | 9.4921% | 4,676 |
| Core capital (leverage) ratio | 8.4597% | 5,616 |
| Tier 1 risk-based capital ratio | 10.3727% | 6,523 |
| Total risk-based capital ratio | 11.6268% | 6,431 |
| Memoranda: | ||
| Average total assets | $638,185,500 | 1,122 |
| Average earning assets | $561,757,500 | 1,160 |
| Average equity | $62,117,500 | 1,102 |
| Average total loans | $499,810,500 | 1,003 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5066% | 2,925 |
| Cost of funding earning assets | 2.1549% | 5,808 |
| Net interest margin | 4.3517% | 1,818 |
| Noninterest income to average assets | 0.8868% | 2,018 |
| Noninterest expense to average assets | 3.6356% | 2,066 |
| Loan and lease loss provision to assets | 0.8180% | 1,816 |
| Net operating income to assets | 0.3678% | 5,282 |
| Return on assets (ROA) | 0.3396% | 5,217 |
| Pretax return on assets | 0.2438% | 5,638 |
| Return on Equity (ROE) | 3.1334% | 5,184 |
| Retained earnings to average equity (ytd only) | 1.7156% | 4,187 |
| Net charge-offs to loans | 0.4612% | 2,523 |
| Credit loss provision to net charge-offs | 220.2759% | 2,177 |
| Earnings coverage of net charge-offs (x) | 2.9352% | 4,615 |
| Efficiency ratio | 76.4217% | 3,164 |
| Assets per employee ($millions) | 2.8203% | 6,515 |
| Cash dividends to net income (ytd only)* | 45.2489% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 2,524 |
| Loan loss allowance to noncurrent loans | 44.9681% | 5,759 |
| Noncurrent assets plus other real estate owned to assets | 3.8124% | 1,115 |
| Noncurrent loans to loans | 3.4147% | 1,502 |
| Net loans and leases to total assets | 78.4269% | 2,016 |
| Net loans and leases to deposits | 95.5074% | 2,525 |
| Net loans and leases to core deposits | 132.8212% | 1,668 |
| Total domestic deposits to total assets | 82.1160% | 4,152 |
| Equity capital to assets | 9.9864% | 4,053 |
| Core capital (leverage) ratio | 8.7486% | 5,116 |
| Tier 1 risk-based capital ratio | 10.3993% | 6,315 |
| Total risk-based capital ratio | 11.6527% | 6,186 |
| Memoranda: | ||
| Average total assets | $585,705,600 | 1,147 |
| Average earning assets | $516,671,600 | 1,199 |
| Average equity | $63,477,000 | 1,056 |
| Average total loans | $471,593,600 | 1,026 |