Home > BankNewport > Performance and Condition Ratios
BankNewport, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0302% | 2,019 |
| Cost of funding earning assets | 1.6645% | 1,532 |
| Net interest margin | 3.3658% | 2,478 |
| Noninterest income to average assets | 0.5700% | 1,647 |
| Noninterest expense to average assets | 2.6035% | 1,988 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.7108% | 3,166 |
| Return on assets (ROA) | 0.5885% | 3,460 |
| Pretax return on assets | 0.7360% | 3,365 |
| Return on Equity (ROE) | 6.2800% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.2752% | 2,142 |
| Net charge-offs to loans | 0.4245% | 240 |
| Credit loss provision to net charge-offs | 81.1825% | 2,012 |
| Earnings coverage of net charge-offs (x) | 3.4975% | 2,637 |
| Efficiency ratio | 68.8456% | 2,021 |
| Assets per employee ($millions) | 8.3194% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7383% | 4,072 |
| Loan loss allowance to noncurrent loans | 139.2485% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 1,310 |
| Noncurrent loans to loans | 0.5302% | 1,464 |
| Net loans and leases to total assets | 79.2400% | 733 |
| Net loans and leases to deposits | 99.5919% | 559 |
| Net loans and leases to core deposits | 113.5834% | 827 |
| Total domestic deposits to total assets | 79.5600% | 3,526 |
| Equity capital to assets | 9.6325% | 2,253 |
| Core capital (leverage) ratio | 10.8946% | 2,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7767% | 1,944 |
| Memoranda: | ||
| Average total assets | $2,588,834,000 | 449 |
| Average earning assets | $2,457,988,000 | 425 |
| Average equity | $242,780,600 | 461 |
| Average total loans | $2,028,180,800 | 398 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 1,866 |
| Cost of funding earning assets | 1.5558% | 1,470 |
| Net interest margin | 3.4272% | 2,401 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.6143% | 1,900 |
| Loan and lease loss provision to assets | 0.3600% | 243 |
| Net operating income to assets | 0.6120% | 3,513 |
| Return on assets (ROA) | 0.4456% | 3,877 |
| Pretax return on assets | 0.5586% | 3,810 |
| Return on Equity (ROE) | 4.7900% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.7855% | 3,010 |
| Net charge-offs to loans | 0.4827% | 179 |
| Credit loss provision to net charge-offs | 96.5070% | 1,650 |
| Earnings coverage of net charge-offs (x) | 3.0025% | 2,454 |
| Efficiency ratio | 69.5450% | 1,839 |
| Assets per employee ($millions) | 8.2234% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 3,936 |
| Loan loss allowance to noncurrent loans | 235.1611% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 1,899 |
| Noncurrent loans to loans | 0.3499% | 1,968 |
| Net loans and leases to total assets | 78.5800% | 812 |
| Net loans and leases to deposits | 97.1875% | 667 |
| Net loans and leases to core deposits | 110.3418% | 862 |
| Total domestic deposits to total assets | 80.8600% | 3,408 |
| Equity capital to assets | 9.0735% | 2,378 |
| Core capital (leverage) ratio | 10.7719% | 2,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5933% | 2,047 |
| Memoranda: | ||
| Average total assets | $2,566,333,500 | 454 |
| Average earning assets | $2,435,774,500 | 434 |
| Average equity | $238,965,750 | 467 |
| Average total loans | $2,000,606,750 | 402 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9008% | 1,760 |
| Cost of funding earning assets | 1.4317% | 1,375 |
| Net interest margin | 3.4691% | 2,343 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.6369% | 1,833 |
| Loan and lease loss provision to assets | 0.4400% | 178 |
| Net operating income to assets | 0.5817% | 3,629 |
| Return on assets (ROA) | 0.3285% | 4,141 |
| Pretax return on assets | 0.4054% | 4,111 |
| Return on Equity (ROE) | 3.5000% | 4,096 |
| Retained earnings to average equity (ytd only) | 3.4966% | 3,354 |
| Net charge-offs to loans | 0.5948% | 138 |
| Credit loss provision to net charge-offs | 94.5619% | 1,483 |
| Earnings coverage of net charge-offs (x) | 2.5029% | 2,311 |
| Efficiency ratio | 69.2818% | 1,837 |
| Assets per employee ($millions) | 8.1768% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8484% | 3,909 |
| Loan loss allowance to noncurrent loans | 234.1737% | 2,430 |
| Noncurrent assets plus other real estate owned to assets | 0.2824% | 1,793 |
| Noncurrent loans to loans | 0.3623% | 1,840 |
| Net loans and leases to total assets | 77.3000% | 906 |
| Net loans and leases to deposits | 96.9014% | 677 |
| Net loans and leases to core deposits | 107.5619% | 923 |
| Total domestic deposits to total assets | 79.7700% | 3,610 |
| Equity capital to assets | 9.3112% | 2,305 |
| Core capital (leverage) ratio | 10.8086% | 2,036 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8023% | 1,982 |
| Memoranda: | ||
| Average total assets | $2,544,612,333 | 444 |
| Average earning assets | $2,416,457,000 | 427 |
| Average equity | $239,031,667 | 456 |
| Average total loans | $1,972,439,667 | 393 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 1,546 |
| Cost of funding earning assets | 1.2650% | 1,312 |
| Net interest margin | 3.5678% | 2,202 |
| Noninterest income to average assets | 0.4500% | 2,092 |
| Noninterest expense to average assets | 2.6726% | 1,742 |
| Loan and lease loss provision to assets | 0.6300% | 111 |
| Net operating income to assets | 0.4313% | 4,030 |
| Return on assets (ROA) | -0.0646% | 4,504 |
| Pretax return on assets | -0.0933% | 4,504 |
| Return on Equity (ROE) | -0.6800% | 4,479 |
| Retained earnings to average equity (ytd only) | -0.6850% | 4,105 |
| Net charge-offs to loans | 0.3066% | 259 |
| Credit loss provision to net charge-offs | 267.6471% | 729 |
| Earnings coverage of net charge-offs (x) | 4.9318% | 1,836 |
| Efficiency ratio | 69.2977% | 1,819 |
| Assets per employee ($millions) | 8.2789% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,475 |
| Loan loss allowance to noncurrent loans | 191.5465% | 2,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 1,262 |
| Noncurrent loans to loans | 0.5273% | 1,403 |
| Net loans and leases to total assets | 76.8000% | 894 |
| Net loans and leases to deposits | 92.3333% | 897 |
| Net loans and leases to core deposits | 103.2775% | 950 |
| Total domestic deposits to total assets | 83.1800% | 3,260 |
| Equity capital to assets | 9.4220% | 2,210 |
| Core capital (leverage) ratio | 10.7733% | 2,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8887% | 2,003 |
| Memoranda: | ||
| Average total assets | $2,524,985,500 | 461 |
| Average earning assets | $2,400,271,000 | 440 |
| Average equity | $238,253,500 | 468 |
| Average total loans | $1,951,473,500 | 406 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1113% | 1,454 |
| Cost of funding earning assets | 0.4914% | 1,457 |
| Net interest margin | 3.6199% | 1,589 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 3.4067% | 543 |
| Loan and lease loss provision to assets | 0.3000% | 278 |
| Net operating income to assets | 0.4975% | 4,090 |
| Return on assets (ROA) | 1.7840% | 442 |
| Pretax return on assets | 1.9951% | 481 |
| Return on Equity (ROE) | 18.8300% | 595 |
| Retained earnings to average equity (ytd only) | 18.8283% | 115 |
| Net charge-offs to loans | 0.3240% | 234 |
| Credit loss provision to net charge-offs | 122.3686% | 1,447 |
| Earnings coverage of net charge-offs (x) | 4.1325% | 2,429 |
| Efficiency ratio | 76.0443% | 1,005 |
| Assets per employee ($millions) | 8.4457% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 3,758 |
| Loan loss allowance to noncurrent loans | 103.6410% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6712% | 737 |
| Noncurrent loans to loans | 0.8719% | 854 |
| Net loans and leases to total assets | 76.2900% | 981 |
| Net loans and leases to deposits | 93.6060% | 809 |
| Net loans and leases to core deposits | 100.7327% | 963 |
| Total domestic deposits to total assets | 81.5000% | 3,693 |
| Equity capital to assets | 9.4499% | 2,044 |
| Core capital (leverage) ratio | 11.0549% | 1,767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9533% | 1,993 |
| Memoranda: | ||
| Average total assets | $2,393,686,200 | 467 |
| Average earning assets | $2,276,434,000 | 449 |
| Average equity | $226,807,200 | 479 |
| Average total loans | $1,803,458,000 | 409 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9232% | 1,428 |
| Cost of funding earning assets | 0.3475% | 1,729 |
| Net interest margin | 3.5758% | 1,451 |
| Noninterest income to average assets | 1.0400% | 625 |
| Noninterest expense to average assets | 2.8509% | 1,140 |
| Loan and lease loss provision to assets | 0.3100% | 225 |
| Net operating income to assets | 1.0031% | 2,474 |
| Return on assets (ROA) | 0.9951% | 2,465 |
| Pretax return on assets | 1.2692% | 2,138 |
| Return on Equity (ROE) | 10.5000% | 2,570 |
| Retained earnings to average equity (ytd only) | 10.4952% | 1,201 |
| Net charge-offs to loans | 0.1901% | 351 |
| Credit loss provision to net charge-offs | 220.7047% | 934 |
| Earnings coverage of net charge-offs (x) | 11.1908% | 1,956 |
| Efficiency ratio | 62.9468% | 2,696 |
| Assets per employee ($millions) | 7.0515% | 1,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0221% | 3,374 |
| Loan loss allowance to noncurrent loans | 100.9309% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.7771% | 641 |
| Noncurrent loans to loans | 1.0127% | 756 |
| Net loans and leases to total assets | 75.9500% | 917 |
| Net loans and leases to deposits | 90.8095% | 836 |
| Net loans and leases to core deposits | 96.2206% | 988 |
| Total domestic deposits to total assets | 83.6300% | 3,573 |
| Equity capital to assets | 8.6012% | 2,480 |
| Core capital (leverage) ratio | 10.2753% | 2,303 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9836% | 2,475 |
| Memoranda: | ||
| Average total assets | $2,365,016,750 | 470 |
| Average earning assets | $2,250,054,750 | 453 |
| Average equity | $224,249,750 | 479 |
| Average total loans | $1,771,566,250 | 412 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7370% | 1,450 |
| Cost of funding earning assets | 0.2818% | 1,878 |
| Net interest margin | 3.4551% | 1,435 |
| Noninterest income to average assets | 1.0752% | 576 |
| Noninterest expense to average assets | 2.8498% | 1,080 |
| Loan and lease loss provision to assets | 0.1540% | 611 |
| Net operating income to assets | 1.0630% | 1,928 |
| Return on assets (ROA) | 1.0593% | 1,907 |
| Pretax return on assets | 1.3569% | 1,563 |
| Return on Equity (ROE) | 10.8212% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.8212% | 818 |
| Net charge-offs to loans | 0.1462% | 442 |
| Credit loss provision to net charge-offs | 141.8440% | 1,114 |
| Earnings coverage of net charge-offs (x) | 13.9590% | 1,672 |
| Efficiency ratio | 64.0424% | 2,771 |
| Assets per employee ($millions) | 6.6614% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 3,855 |
| Loan loss allowance to noncurrent loans | 80.7957% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 0.8826% | 580 |
| Noncurrent loans to loans | 1.1551% | 698 |
| Net loans and leases to total assets | 75.6932% | 760 |
| Net loans and leases to deposits | 88.5113% | 800 |
| Net loans and leases to core deposits | 91.2467% | 1,052 |
| Total domestic deposits to total assets | 85.5182% | 3,368 |
| Equity capital to assets | 9.4450% | 2,060 |
| Core capital (leverage) ratio | 10.4483% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3414% | 2,362 |
| Memoranda: | ||
| Average total assets | $2,337,734,000 | 475 |
| Average earning assets | $2,226,016,000 | 457 |
| Average equity | $228,846,333 | 476 |
| Average total loans | $1,736,244,667 | 411 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5886% | 1,533 |
| Cost of funding earning assets | 0.2896% | 1,744 |
| Net interest margin | 3.2991% | 1,563 |
| Noninterest income to average assets | 1.0989% | 560 |
| Noninterest expense to average assets | 2.8274% | 1,107 |
| Loan and lease loss provision to assets | 0.0428% | 1,587 |
| Net operating income to assets | 1.0745% | 1,606 |
| Return on assets (ROA) | 1.0714% | 1,609 |
| Pretax return on assets | 1.3715% | 1,323 |
| Return on Equity (ROE) | 10.7554% | 1,703 |
| Retained earnings to average equity (ytd only) | 10.7554% | 831 |
| Net charge-offs to loans | 0.1337% | 423 |
| Credit loss provision to net charge-offs | 43.7063% | 1,218 |
| Earnings coverage of net charge-offs (x) | 14.4895% | 1,369 |
| Efficiency ratio | 65.3057% | 2,858 |
| Assets per employee ($millions) | 6.9129% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 4,003 |
| Loan loss allowance to noncurrent loans | 75.8717% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8977% | 597 |
| Noncurrent loans to loans | 1.2047% | 737 |
| Net loans and leases to total assets | 73.8337% | 674 |
| Net loans and leases to deposits | 84.9588% | 811 |
| Net loans and leases to core deposits | 87.3447% | 1,058 |
| Total domestic deposits to total assets | 86.9052% | 2,963 |
| Equity capital to assets | 9.7721% | 2,075 |
| Core capital (leverage) ratio | 10.2452% | 2,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5938% | 2,382 |
| Memoranda: | ||
| Average total assets | $2,337,532,500 | 478 |
| Average earning assets | $2,229,586,000 | 465 |
| Average equity | $232,851,000 | 479 |
| Average total loans | $1,711,125,000 | 417 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 2,079 |
| Cost of funding earning assets | 0.4358% | 1,282 |
| Net interest margin | 3.2758% | 2,382 |
| Noninterest income to average assets | 1.1647% | 778 |
| Noninterest expense to average assets | 2.8122% | 1,334 |
| Loan and lease loss provision to assets | 0.0225% | 2,616 |
| Net operating income to assets | 1.1100% | 2,249 |
| Return on assets (ROA) | 1.1092% | 2,318 |
| Pretax return on assets | 1.4364% | 1,927 |
| Return on Equity (ROE) | 10.7511% | 2,253 |
| Retained earnings to average equity (ytd only) | 10.7511% | 751 |
| Net charge-offs to loans | 0.0931% | 897 |
| Credit loss provision to net charge-offs | 32.5098% | 2,227 |
| Earnings coverage of net charge-offs (x) | 21.0579% | 1,833 |
| Efficiency ratio | 64.4761% | 2,484 |
| Assets per employee ($millions) | 6.9595% | 1,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9543% | 3,919 |
| Loan loss allowance to noncurrent loans | 101.2229% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 944 |
| Noncurrent loans to loans | 0.9427% | 1,076 |
| Net loans and leases to total assets | 71.2199% | 907 |
| Net loans and leases to deposits | 82.4710% | 1,018 |
| Net loans and leases to core deposits | 85.0137% | 1,258 |
| Total domestic deposits to total assets | 86.3576% | 2,775 |
| Equity capital to assets | 10.1483% | 2,519 |
| Core capital (leverage) ratio | 9.8831% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8303% | 2,308 |
| Memoranda: | ||
| Average total assets | $2,218,330,800 | 477 |
| Average earning assets | $2,104,322,600 | 467 |
| Average equity | $228,860,400 | 481 |
| Average total loans | $1,652,003,400 | 425 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 2,161 |
| Cost of funding earning assets | 0.4640% | 1,262 |
| Net interest margin | 3.2804% | 2,477 |
| Noninterest income to average assets | 1.2117% | 776 |
| Noninterest expense to average assets | 2.7520% | 1,459 |
| Loan and lease loss provision to assets | 0.0305% | 2,383 |
| Net operating income to assets | 1.1659% | 2,300 |
| Return on assets (ROA) | 1.1652% | 2,366 |
| Pretax return on assets | 1.5337% | 1,893 |
| Return on Equity (ROE) | 11.2449% | 2,294 |
| Retained earnings to average equity (ytd only) | 11.2449% | 1,002 |
| Net charge-offs to loans | 0.0943% | 771 |
| Credit loss provision to net charge-offs | 43.0293% | 1,900 |
| Earnings coverage of net charge-offs (x) | 22.0714% | 1,693 |
| Efficiency ratio | 62.3906% | 2,634 |
| Assets per employee ($millions) | 6.9318% | 1,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 3,842 |
| Loan loss allowance to noncurrent loans | 171.0823% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 1,787 |
| Noncurrent loans to loans | 0.5850% | 1,851 |
| Net loans and leases to total assets | 70.9942% | 988 |
| Net loans and leases to deposits | 83.7650% | 976 |
| Net loans and leases to core deposits | 86.5157% | 1,256 |
| Total domestic deposits to total assets | 84.7541% | 3,199 |
| Equity capital to assets | 10.1967% | 2,717 |
| Core capital (leverage) ratio | 9.9830% | 2,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0120% | 2,361 |
| Memoranda: | ||
| Average total assets | $2,184,833,500 | 489 |
| Average earning assets | $2,068,303,500 | 477 |
| Average equity | $226,395,500 | 488 |
| Average total loans | $1,642,138,750 | 433 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7443% | 2,218 |
| Cost of funding earning assets | 0.4915% | 1,253 |
| Net interest margin | 3.2528% | 2,605 |
| Noninterest income to average assets | 1.2362% | 760 |
| Noninterest expense to average assets | 2.7775% | 1,405 |
| Loan and lease loss provision to assets | 0.0466% | 2,089 |
| Net operating income to assets | 1.1069% | 2,520 |
| Return on assets (ROA) | 1.1064% | 2,587 |
| Pretax return on assets | 1.4897% | 2,048 |
| Return on Equity (ROE) | 10.6171% | 2,555 |
| Retained earnings to average equity (ytd only) | 10.6171% | 1,214 |
| Net charge-offs to loans | 0.0943% | 769 |
| Credit loss provision to net charge-offs | 64.6831% | 1,540 |
| Earnings coverage of net charge-offs (x) | 21.3338% | 1,510 |
| Efficiency ratio | 62.9974% | 2,574 |
| Assets per employee ($millions) | 6.6876% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 3,749 |
| Loan loss allowance to noncurrent loans | 158.6767% | 2,792 |
| Noncurrent assets plus other real estate owned to assets | 0.4813% | 1,742 |
| Noncurrent loans to loans | 0.6455% | 1,800 |
| Net loans and leases to total assets | 73.8081% | 776 |
| Net loans and leases to deposits | 87.5513% | 807 |
| Net loans and leases to core deposits | 91.1753% | 1,055 |
| Total domestic deposits to total assets | 84.3027% | 3,342 |
| Equity capital to assets | 10.3555% | 2,531 |
| Core capital (leverage) ratio | 9.9872% | 2,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1071% | 2,323 |
| Memoranda: | ||
| Average total assets | $2,145,992,667 | 493 |
| Average earning assets | $2,030,865,000 | 481 |
| Average equity | $223,639,667 | 488 |
| Average total loans | $1,639,402,333 | 436 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 2,049 |
| Cost of funding earning assets | 0.5195% | 1,272 |
| Net interest margin | 3.3000% | 2,390 |
| Noninterest income to average assets | 1.3029% | 752 |
| Noninterest expense to average assets | 2.7429% | 1,504 |
| Loan and lease loss provision to assets | 0.0947% | 1,411 |
| Net operating income to assets | 1.1513% | 2,333 |
| Return on assets (ROA) | 1.1486% | 2,406 |
| Pretax return on assets | 1.5860% | 1,770 |
| Return on Equity (ROE) | 10.9850% | 2,374 |
| Retained earnings to average equity (ytd only) | 10.9850% | 1,405 |
| Net charge-offs to loans | 0.1214% | 591 |
| Credit loss provision to net charge-offs | 100.8065% | 1,106 |
| Earnings coverage of net charge-offs (x) | 17.9294% | 1,285 |
| Efficiency ratio | 60.5895% | 2,964 |
| Assets per employee ($millions) | 6.5258% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 3,653 |
| Loan loss allowance to noncurrent loans | 122.2191% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6490% | 1,460 |
| Noncurrent loans to loans | 0.8580% | 1,565 |
| Net loans and leases to total assets | 74.8387% | 731 |
| Net loans and leases to deposits | 89.0456% | 760 |
| Net loans and leases to core deposits | 93.0509% | 1,042 |
| Total domestic deposits to total assets | 84.0453% | 3,420 |
| Equity capital to assets | 10.2676% | 2,461 |
| Core capital (leverage) ratio | 10.0946% | 2,448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2645% | 2,178 |
| Memoranda: | ||
| Average total assets | $2,112,197,000 | 494 |
| Average earning assets | $1,999,610,000 | 482 |
| Average equity | $220,846,000 | 487 |
| Average total loans | $1,633,748,000 | 438 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 2,547 |
| Cost of funding earning assets | 0.7590% | 1,402 |
| Net interest margin | 3.3015% | 3,064 |
| Noninterest income to average assets | 1.4001% | 597 |
| Noninterest expense to average assets | 3.0106% | 1,407 |
| Loan and lease loss provision to assets | 0.4039% | 772 |
| Net operating income to assets | 0.8644% | 2,847 |
| Return on assets (ROA) | 0.8892% | 2,880 |
| Pretax return on assets | 1.1299% | 2,585 |
| Return on Equity (ROE) | 8.2168% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.2168% | 991 |
| Net charge-offs to loans | 0.2694% | 639 |
| Credit loss provision to net charge-offs | 188.7321% | 2,219 |
| Earnings coverage of net charge-offs (x) | 7.0204% | 2,730 |
| Efficiency ratio | 65.2317% | 2,644 |
| Assets per employee ($millions) | 6.1983% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 3,663 |
| Loan loss allowance to noncurrent loans | 114.8165% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 1,427 |
| Noncurrent loans to loans | 0.9186% | 1,533 |
| Net loans and leases to total assets | 78.3206% | 574 |
| Net loans and leases to deposits | 93.9788% | 659 |
| Net loans and leases to core deposits | 99.4120% | 932 |
| Total domestic deposits to total assets | 83.3386% | 3,318 |
| Equity capital to assets | 10.6538% | 2,558 |
| Core capital (leverage) ratio | 10.1663% | 2,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3779% | 2,093 |
| Memoranda: | ||
| Average total assets | $1,919,934,400 | 489 |
| Average earning assets | $1,810,303,800 | 485 |
| Average equity | $207,769,000 | 491 |
| Average total loans | $1,525,342,200 | 443 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1424% | 2,545 |
| Cost of funding earning assets | 0.8068% | 1,466 |
| Net interest margin | 3.3356% | 3,084 |
| Noninterest income to average assets | 1.4253% | 562 |
| Noninterest expense to average assets | 3.0430% | 1,347 |
| Loan and lease loss provision to assets | 0.4954% | 597 |
| Net operating income to assets | 0.8097% | 3,054 |
| Return on assets (ROA) | 0.8456% | 3,048 |
| Pretax return on assets | 1.0762% | 2,824 |
| Return on Equity (ROE) | 7.7811% | 2,890 |
| Retained earnings to average equity (ytd only) | 7.7811% | 1,379 |
| Net charge-offs to loans | 0.1941% | 784 |
| Credit loss provision to net charge-offs | 320.8887% | 1,696 |
| Earnings coverage of net charge-offs (x) | 9.8859% | 2,393 |
| Efficiency ratio | 65.1154% | 2,576 |
| Assets per employee ($millions) | 6.0423% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 2,922 |
| Loan loss allowance to noncurrent loans | 72.7518% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 768 |
| Noncurrent loans to loans | 1.5853% | 891 |
| Net loans and leases to total assets | 78.4239% | 781 |
| Net loans and leases to deposits | 94.4618% | 888 |
| Net loans and leases to core deposits | 100.8621% | 1,103 |
| Total domestic deposits to total assets | 83.0219% | 3,144 |
| Equity capital to assets | 10.6620% | 2,660 |
| Core capital (leverage) ratio | 10.0893% | 2,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5168% | 1,990 |
| Memoranda: | ||
| Average total assets | $1,885,460,250 | 488 |
| Average earning assets | $1,777,042,750 | 484 |
| Average equity | $204,901,750 | 489 |
| Average total loans | $1,499,456,500 | 446 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2703% | 2,545 |
| Cost of funding earning assets | 0.8577% | 1,561 |
| Net interest margin | 3.4125% | 3,062 |
| Noninterest income to average assets | 1.3686% | 553 |
| Noninterest expense to average assets | 3.0429% | 1,478 |
| Loan and lease loss provision to assets | 0.5425% | 623 |
| Net operating income to assets | 0.7835% | 3,095 |
| Return on assets (ROA) | 0.7849% | 3,205 |
| Pretax return on assets | 1.0019% | 3,027 |
| Return on Equity (ROE) | 7.1736% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.1736% | 1,584 |
| Net charge-offs to loans | 0.2394% | 657 |
| Credit loss provision to net charge-offs | 284.6985% | 1,664 |
| Earnings coverage of net charge-offs (x) | 8.0956% | 2,320 |
| Efficiency ratio | 64.8498% | 2,684 |
| Assets per employee ($millions) | 5.7656% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0776% | 3,192 |
| Loan loss allowance to noncurrent loans | 113.7232% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 1,657 |
| Noncurrent loans to loans | 0.9476% | 1,634 |
| Net loans and leases to total assets | 77.8928% | 858 |
| Net loans and leases to deposits | 95.0981% | 864 |
| Net loans and leases to core deposits | 101.6482% | 1,140 |
| Total domestic deposits to total assets | 81.9079% | 3,397 |
| Equity capital to assets | 10.5781% | 2,681 |
| Core capital (leverage) ratio | 10.2235% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2990% | 2,072 |
| Memoranda: | ||
| Average total assets | $1,845,266,000 | 496 |
| Average earning assets | $1,739,474,333 | 486 |
| Average equity | $201,907,333 | 494 |
| Average total loans | $1,468,750,667 | 446 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 2,510 |
| Cost of funding earning assets | 0.9222% | 1,761 |
| Net interest margin | 3.5074% | 2,954 |
| Noninterest income to average assets | 1.3038% | 529 |
| Noninterest expense to average assets | 3.1998% | 1,422 |
| Loan and lease loss provision to assets | 0.4508% | 673 |
| Net operating income to assets | 0.7483% | 3,099 |
| Return on assets (ROA) | 0.7478% | 3,175 |
| Pretax return on assets | 0.9551% | 2,983 |
| Return on Equity (ROE) | 6.7102% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.7102% | 1,643 |
| Net charge-offs to loans | 0.3224% | 452 |
| Credit loss provision to net charge-offs | 174.6516% | 1,491 |
| Earnings coverage of net charge-offs (x) | 5.4495% | 2,055 |
| Efficiency ratio | 67.9032% | 2,684 |
| Assets per employee ($millions) | 5.3235% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,694 |
| Loan loss allowance to noncurrent loans | 121.8647% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 2,043 |
| Noncurrent loans to loans | 0.8224% | 1,962 |
| Net loans and leases to total assets | 78.5345% | 899 |
| Net loans and leases to deposits | 97.6640% | 760 |
| Net loans and leases to core deposits | 105.3729% | 1,097 |
| Total domestic deposits to total assets | 80.4130% | 3,775 |
| Equity capital to assets | 11.0010% | 2,849 |
| Core capital (leverage) ratio | 10.8681% | 2,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8040% | 2,364 |
| Memoranda: | ||
| Average total assets | $1,779,091,000 | 499 |
| Average earning assets | $1,675,188,000 | 486 |
| Average equity | $198,264,000 | 497 |
| Average total loans | $1,424,525,000 | 443 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6859% | 2,369 |
| Cost of funding earning assets | 0.9738% | 1,835 |
| Net interest margin | 3.7122% | 2,779 |
| Noninterest income to average assets | 1.2916% | 563 |
| Noninterest expense to average assets | 3.1647% | 1,606 |
| Loan and lease loss provision to assets | 0.2689% | 673 |
| Net operating income to assets | 1.0685% | 2,585 |
| Return on assets (ROA) | 1.0815% | 2,616 |
| Pretax return on assets | 1.3713% | 2,263 |
| Return on Equity (ROE) | 9.9302% | 2,328 |
| Retained earnings to average equity (ytd only) | 9.9302% | 507 |
| Net charge-offs to loans | 0.2240% | 912 |
| Credit loss provision to net charge-offs | 149.6422% | 1,716 |
| Earnings coverage of net charge-offs (x) | 9.0371% | 2,709 |
| Efficiency ratio | 64.5347% | 2,997 |
| Assets per employee ($millions) | 5.1722% | 2,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9577% | 3,709 |
| Loan loss allowance to noncurrent loans | 121.2615% | 2,952 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 1,990 |
| Noncurrent loans to loans | 0.7898% | 1,929 |
| Net loans and leases to total assets | 80.0632% | 778 |
| Net loans and leases to deposits | 99.4096% | 641 |
| Net loans and leases to core deposits | 107.1501% | 1,033 |
| Total domestic deposits to total assets | 80.5387% | 3,869 |
| Equity capital to assets | 11.2923% | 2,718 |
| Core capital (leverage) ratio | 10.6941% | 2,767 |
| Tier 1 risk-based capital ratio | 12.9594% | 3,809 |
| Total risk-based capital ratio | 13.2375% | 4,246 |
| Memoranda: | ||
| Average total assets | $1,710,986,000 | 496 |
| Average earning assets | $1,611,704,600 | 480 |
| Average equity | $186,351,600 | 500 |
| Average total loans | $1,372,454,200 | 436 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7093% | 2,391 |
| Cost of funding earning assets | 0.9639% | 1,917 |
| Net interest margin | 3.7454% | 2,769 |
| Noninterest income to average assets | 1.2708% | 568 |
| Noninterest expense to average assets | 3.1215% | 1,666 |
| Loan and lease loss provision to assets | 0.2977% | 497 |
| Net operating income to assets | 1.0887% | 2,616 |
| Return on assets (ROA) | 1.0977% | 2,674 |
| Pretax return on assets | 1.3923% | 2,340 |
| Return on Equity (ROE) | 10.1748% | 2,361 |
| Retained earnings to average equity (ytd only) | 10.1748% | 710 |
| Net charge-offs to loans | 0.2169% | 817 |
| Credit loss provision to net charge-offs | 171.4801% | 1,481 |
| Earnings coverage of net charge-offs (x) | 9.6683% | 2,556 |
| Efficiency ratio | 63.4581% | 3,096 |
| Assets per employee ($millions) | 5.3621% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9834% | 3,665 |
| Loan loss allowance to noncurrent loans | 97.2455% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.8068% | 1,710 |
| Noncurrent loans to loans | 1.0113% | 1,581 |
| Net loans and leases to total assets | 78.0474% | 1,136 |
| Net loans and leases to deposits | 97.1540% | 903 |
| Net loans and leases to core deposits | 106.2647% | 1,164 |
| Total domestic deposits to total assets | 80.3337% | 3,912 |
| Equity capital to assets | 11.0107% | 3,097 |
| Core capital (leverage) ratio | 10.6218% | 2,995 |
| Tier 1 risk-based capital ratio | 13.0362% | 3,823 |
| Total risk-based capital ratio | 13.5075% | 4,161 |
| Memoranda: | ||
| Average total assets | $1,701,681,250 | 497 |
| Average earning assets | $1,603,519,250 | 482 |
| Average equity | $183,586,500 | 508 |
| Average total loans | $1,362,267,000 | 440 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7318% | 2,270 |
| Cost of funding earning assets | 0.9511% | 1,903 |
| Net interest margin | 3.7807% | 2,645 |
| Noninterest income to average assets | 1.1890% | 604 |
| Noninterest expense to average assets | 3.1168% | 1,685 |
| Loan and lease loss provision to assets | 0.2672% | 562 |
| Net operating income to assets | 1.0798% | 2,605 |
| Return on assets (ROA) | 1.0812% | 2,664 |
| Pretax return on assets | 1.3698% | 2,305 |
| Return on Equity (ROE) | 10.0938% | 2,350 |
| Retained earnings to average equity (ytd only) | 10.0938% | 729 |
| Net charge-offs to loans | 0.1999% | 823 |
| Credit loss provision to net charge-offs | 166.0517% | 1,391 |
| Earnings coverage of net charge-offs (x) | 10.1638% | 2,288 |
| Efficiency ratio | 64.0398% | 3,127 |
| Assets per employee ($millions) | 5.2588% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 3,927 |
| Loan loss allowance to noncurrent loans | 90.1992% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 1,660 |
| Noncurrent loans to loans | 1.0396% | 1,574 |
| Net loans and leases to total assets | 80.0033% | 878 |
| Net loans and leases to deposits | 98.7221% | 774 |
| Net loans and leases to core deposits | 106.5481% | 1,213 |
| Total domestic deposits to total assets | 81.0389% | 3,797 |
| Equity capital to assets | 11.0076% | 3,045 |
| Core capital (leverage) ratio | 10.4618% | 3,135 |
| Tier 1 risk-based capital ratio | 12.7605% | 3,968 |
| Total risk-based capital ratio | 13.3415% | 4,254 |
| Memoranda: | ||
| Average total assets | $1,684,441,330 | 502 |
| Average earning assets | $1,587,421,000 | 484 |
| Average equity | $180,428,330 | 512 |
| Average total loans | $1,355,664,000 | 444 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 2,210 |
| Cost of funding earning assets | 0.9130% | 1,947 |
| Net interest margin | 3.7909% | 2,563 |
| Noninterest income to average assets | 1.1553% | 603 |
| Noninterest expense to average assets | 3.1286% | 1,664 |
| Loan and lease loss provision to assets | 0.2388% | 624 |
| Net operating income to assets | 1.0721% | 2,576 |
| Return on assets (ROA) | 1.0703% | 2,627 |
| Pretax return on assets | 1.3605% | 2,233 |
| Return on Equity (ROE) | 10.1342% | 2,308 |
| Retained earnings to average equity (ytd only) | 10.1342% | 1,004 |
| Net charge-offs to loans | 0.1998% | 705 |
| Credit loss provision to net charge-offs | 148.8095% | 1,251 |
| Earnings coverage of net charge-offs (x) | 9.9792% | 1,988 |
| Efficiency ratio | 64.7311% | 3,128 |
| Assets per employee ($millions) | 5.3805% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9147% | 4,103 |
| Loan loss allowance to noncurrent loans | 109.8976% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 2,100 |
| Noncurrent loans to loans | 0.8323% | 1,974 |
| Net loans and leases to total assets | 79.3460% | 930 |
| Net loans and leases to deposits | 97.4645% | 844 |
| Net loans and leases to core deposits | 104.5170% | 1,277 |
| Total domestic deposits to total assets | 81.4101% | 3,879 |
| Equity capital to assets | 10.7213% | 3,141 |
| Core capital (leverage) ratio | 10.5237% | 3,027 |
| Tier 1 risk-based capital ratio | 12.8299% | 3,963 |
| Total risk-based capital ratio | 13.3648% | 4,283 |
| Memoranda: | ||
| Average total assets | $1,674,734,500 | 506 |
| Average earning assets | $1,579,365,000 | 491 |
| Average equity | $176,866,000 | 519 |
| Average total loans | $1,345,474,000 | 447 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4838% | 2,507 |
| Cost of funding earning assets | 0.7328% | 1,883 |
| Net interest margin | 3.7510% | 2,852 |
| Noninterest income to average assets | 1.1373% | 710 |
| Noninterest expense to average assets | 3.1353% | 1,713 |
| Loan and lease loss provision to assets | 0.2158% | 842 |
| Net operating income to assets | 1.0356% | 2,861 |
| Return on assets (ROA) | 1.0362% | 2,844 |
| Pretax return on assets | 1.3159% | 2,444 |
| Return on Equity (ROE) | 10.0385% | 2,501 |
| Retained earnings to average equity (ytd only) | 10.0385% | 611 |
| Net charge-offs to loans | 0.1833% | 1,052 |
| Credit loss provision to net charge-offs | 147.2471% | 1,859 |
| Earnings coverage of net charge-offs (x) | 10.4460% | 2,717 |
| Efficiency ratio | 65.7033% | 2,913 |
| Assets per employee ($millions) | 5.3896% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 4,193 |
| Loan loss allowance to noncurrent loans | 103.6602% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.6956% | 1,990 |
| Noncurrent loans to loans | 0.8630% | 1,874 |
| Net loans and leases to total assets | 79.8825% | 958 |
| Net loans and leases to deposits | 98.9702% | 821 |
| Net loans and leases to core deposits | 106.2302% | 1,254 |
| Total domestic deposits to total assets | 80.7138% | 3,951 |
| Equity capital to assets | 10.3986% | 3,288 |
| Core capital (leverage) ratio | 10.4015% | 3,140 |
| Tier 1 risk-based capital ratio | 12.4967% | 4,141 |
| Total risk-based capital ratio | 12.9724% | 4,488 |
| Memoranda: | ||
| Average total assets | $1,598,692,800 | 515 |
| Average earning assets | $1,504,032,600 | 496 |
| Average equity | $165,014,200 | 532 |
| Average total loans | $1,278,523,800 | 453 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4221% | 2,561 |
| Cost of funding earning assets | 0.6985% | 1,853 |
| Net interest margin | 3.7237% | 2,923 |
| Noninterest income to average assets | 1.1624% | 696 |
| Noninterest expense to average assets | 3.1530% | 1,633 |
| Loan and lease loss provision to assets | 0.2402% | 662 |
| Net operating income to assets | 1.0020% | 3,071 |
| Return on assets (ROA) | 1.0028% | 3,082 |
| Pretax return on assets | 1.2734% | 2,712 |
| Return on Equity (ROE) | 9.7346% | 2,738 |
| Retained earnings to average equity (ytd only) | 9.7346% | 994 |
| Net charge-offs to loans | 0.1785% | 934 |
| Credit loss provision to net charge-offs | 168.6391% | 1,579 |
| Earnings coverage of net charge-offs (x) | 10.6201% | 2,570 |
| Efficiency ratio | 66.0712% | 2,860 |
| Assets per employee ($millions) | 5.0548% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,152 |
| Loan loss allowance to noncurrent loans | 88.4562% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 0.8429% | 1,756 |
| Noncurrent loans to loans | 1.0473% | 1,628 |
| Net loans and leases to total assets | 79.7413% | 1,060 |
| Net loans and leases to deposits | 96.9351% | 1,046 |
| Net loans and leases to core deposits | 103.8549% | 1,461 |
| Total domestic deposits to total assets | 82.2626% | 3,539 |
| Equity capital to assets | 10.3496% | 3,282 |
| Core capital (leverage) ratio | 10.2631% | 3,341 |
| Tier 1 risk-based capital ratio | 12.5127% | 4,192 |
| Total risk-based capital ratio | 12.9694% | 4,544 |
| Memoranda: | ||
| Average total assets | $1,582,022,750 | 515 |
| Average earning assets | $1,488,380,000 | 499 |
| Average equity | $162,974,000 | 532 |
| Average total loans | $1,262,567,250 | 454 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3576% | 2,554 |
| Cost of funding earning assets | 0.6634% | 1,849 |
| Net interest margin | 3.6942% | 2,950 |
| Noninterest income to average assets | 1.1106% | 777 |
| Noninterest expense to average assets | 3.1652% | 1,620 |
| Loan and lease loss provision to assets | 0.2293% | 700 |
| Net operating income to assets | 0.9372% | 3,294 |
| Return on assets (ROA) | 0.9384% | 3,290 |
| Pretax return on assets | 1.1939% | 2,965 |
| Return on Equity (ROE) | 9.1235% | 2,963 |
| Retained earnings to average equity (ytd only) | 9.1235% | 1,176 |
| Net charge-offs to loans | 0.1575% | 982 |
| Credit loss provision to net charge-offs | 182.9268% | 1,388 |
| Earnings coverage of net charge-offs (x) | 11.3425% | 2,280 |
| Efficiency ratio | 67.4655% | 2,736 |
| Assets per employee ($millions) | 5.0694% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,278 |
| Loan loss allowance to noncurrent loans | 106.6928% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 2,190 |
| Noncurrent loans to loans | 0.8555% | 2,011 |
| Net loans and leases to total assets | 79.4055% | 1,109 |
| Net loans and leases to deposits | 99.1025% | 877 |
| Net loans and leases to core deposits | 105.8960% | 1,249 |
| Total domestic deposits to total assets | 80.1247% | 4,211 |
| Equity capital to assets | 10.2087% | 3,434 |
| Core capital (leverage) ratio | 10.1493% | 3,418 |
| Tier 1 risk-based capital ratio | 12.3686% | 4,262 |
| Total risk-based capital ratio | 12.7698% | 4,673 |
| Memoranda: | ||
| Average total assets | $1,570,185,670 | 518 |
| Average earning assets | $1,477,550,330 | 500 |
| Average equity | $161,495,670 | 536 |
| Average total loans | $1,249,455,000 | 457 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3006% | 2,507 |
| Cost of funding earning assets | 0.6245% | 1,886 |
| Net interest margin | 3.6761% | 2,899 |
| Noninterest income to average assets | 1.1833% | 656 |
| Noninterest expense to average assets | 3.1646% | 1,653 |
| Loan and lease loss provision to assets | 0.2059% | 795 |
| Net operating income to assets | 0.9980% | 2,864 |
| Return on assets (ROA) | 0.9980% | 2,885 |
| Pretax return on assets | 1.2728% | 2,466 |
| Return on Equity (ROE) | 9.6662% | 2,600 |
| Retained earnings to average equity (ytd only) | 9.6662% | 1,265 |
| Net charge-offs to loans | 0.1720% | 844 |
| Credit loss provision to net charge-offs | 150.9434% | 1,227 |
| Earnings coverage of net charge-offs (x) | 10.8415% | 1,882 |
| Efficiency ratio | 66.6297% | 3,061 |
| Assets per employee ($millions) | 5.2835% | 2,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9000% | 4,449 |
| Loan loss allowance to noncurrent loans | 100.3684% | 3,457 |
| Noncurrent assets plus other real estate owned to assets | 0.7117% | 2,188 |
| Noncurrent loans to loans | 0.8967% | 2,031 |
| Net loans and leases to total assets | 78.6481% | 1,139 |
| Net loans and leases to deposits | 96.8564% | 949 |
| Net loans and leases to core deposits | 104.1098% | 1,371 |
| Total domestic deposits to total assets | 81.2007% | 4,153 |
| Equity capital to assets | 10.2946% | 3,292 |
| Core capital (leverage) ratio | 10.1215% | 3,401 |
| Tier 1 risk-based capital ratio | 12.5026% | 4,236 |
| Total risk-based capital ratio | 12.8452% | 4,697 |
| Memoranda: | ||
| Average total assets | $1,554,318,500 | 528 |
| Average earning assets | $1,462,969,500 | 511 |
| Average equity | $160,476,000 | 542 |
| Average total loans | $1,232,317,500 | 470 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 2,863 |
| Cost of funding earning assets | 0.5935% | 1,642 |
| Net interest margin | 3.5613% | 3,298 |
| Noninterest income to average assets | 1.0389% | 941 |
| Noninterest expense to average assets | 2.8906% | 2,487 |
| Loan and lease loss provision to assets | 0.1277% | 1,791 |
| Net operating income to assets | 0.7710% | 3,299 |
| Return on assets (ROA) | 0.7742% | 3,321 |
| Pretax return on assets | 1.3706% | 2,093 |
| Return on Equity (ROE) | 7.4374% | 3,064 |
| Retained earnings to average equity (ytd only) | 7.4374% | 942 |
| Net charge-offs to loans | 0.1151% | 1,898 |
| Credit loss provision to net charge-offs | 140.5325% | 1,884 |
| Earnings coverage of net charge-offs (x) | 16.4297% | 2,181 |
| Efficiency ratio | 64.3680% | 3,558 |
| Assets per employee ($millions) | 5.4011% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8910% | 4,518 |
| Loan loss allowance to noncurrent loans | 94.4464% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7472% | 2,098 |
| Noncurrent loans to loans | 0.9434% | 1,888 |
| Net loans and leases to total assets | 78.4979% | 1,216 |
| Net loans and leases to deposits | 96.2641% | 1,067 |
| Net loans and leases to core deposits | 102.1822% | 1,545 |
| Total domestic deposits to total assets | 81.5444% | 3,986 |
| Equity capital to assets | 10.3549% | 3,325 |
| Core capital (leverage) ratio | 9.9243% | 3,547 |
| Tier 1 risk-based capital ratio | 12.4574% | 4,233 |
| Total risk-based capital ratio | 12.8737% | 4,660 |
| Memoranda: | ||
| Average total assets | $1,487,535,400 | 522 |
| Average earning assets | $1,397,172,800 | 506 |
| Average equity | $154,852,600 | 533 |
| Average total loans | $1,174,203,600 | 464 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1017% | 2,977 |
| Cost of funding earning assets | 0.5857% | 1,636 |
| Net interest margin | 3.5160% | 3,444 |
| Noninterest income to average assets | 1.0524% | 922 |
| Noninterest expense to average assets | 2.8932% | 2,433 |
| Loan and lease loss provision to assets | 0.1177% | 1,842 |
| Net operating income to assets | 0.8700% | 3,176 |
| Return on assets (ROA) | 0.8744% | 3,201 |
| Pretax return on assets | 1.3485% | 2,292 |
| Return on Equity (ROE) | 8.3882% | 2,936 |
| Retained earnings to average equity (ytd only) | 8.3882% | 1,061 |
| Net charge-offs to loans | 0.0868% | 1,928 |
| Credit loss provision to net charge-offs | 171.9577% | 1,519 |
| Earnings coverage of net charge-offs (x) | 21.3295% | 1,919 |
| Efficiency ratio | 64.9208% | 3,384 |
| Assets per employee ($millions) | 5.3696% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,578 |
| Loan loss allowance to noncurrent loans | 119.3276% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5967% | 2,722 |
| Noncurrent loans to loans | 0.7525% | 2,482 |
| Net loans and leases to total assets | 78.5907% | 1,182 |
| Net loans and leases to deposits | 96.6692% | 1,048 |
| Net loans and leases to core deposits | 102.4777% | 1,510 |
| Total domestic deposits to total assets | 81.2987% | 3,971 |
| Equity capital to assets | 10.3831% | 3,499 |
| Core capital (leverage) ratio | 10.0143% | 3,546 |
| Tier 1 risk-based capital ratio | 12.3212% | 4,426 |
| Total risk-based capital ratio | 12.9542% | 4,709 |
| Memoranda: | ||
| Average total assets | $1,473,240,750 | 529 |
| Average earning assets | $1,382,780,250 | 512 |
| Average equity | $153,577,500 | 542 |
| Average total loans | $1,161,887,250 | 473 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0539% | 2,999 |
| Cost of funding earning assets | 0.5750% | 1,611 |
| Net interest margin | 3.4789% | 3,474 |
| Noninterest income to average assets | 1.0655% | 887 |
| Noninterest expense to average assets | 2.8854% | 2,473 |
| Loan and lease loss provision to assets | 0.1375% | 1,505 |
| Net operating income to assets | 0.8494% | 3,155 |
| Return on assets (ROA) | 0.8561% | 3,181 |
| Pretax return on assets | 1.3141% | 2,335 |
| Return on Equity (ROE) | 8.2013% | 2,915 |
| Retained earnings to average equity (ytd only) | 8.2013% | 1,084 |
| Net charge-offs to loans | 0.0811% | 1,805 |
| Credit loss provision to net charge-offs | 215.5172% | 1,203 |
| Earnings coverage of net charge-offs (x) | 22.5862% | 1,705 |
| Efficiency ratio | 65.2130% | 3,470 |
| Assets per employee ($millions) | 5.2512% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9403% | 4,467 |
| Loan loss allowance to noncurrent loans | 118.1276% | 3,266 |
| Noncurrent assets plus other real estate owned to assets | 0.6116% | 2,729 |
| Noncurrent loans to loans | 0.7960% | 2,418 |
| Net loans and leases to total assets | 76.1193% | 1,532 |
| Net loans and leases to deposits | 93.9813% | 1,261 |
| Net loans and leases to core deposits | 100.4524% | 1,618 |
| Total domestic deposits to total assets | 80.9941% | 4,187 |
| Equity capital to assets | 10.3183% | 3,551 |
| Core capital (leverage) ratio | 10.1351% | 3,357 |
| Tier 1 risk-based capital ratio | 12.6507% | 4,210 |
| Total risk-based capital ratio | 13.5887% | 4,283 |
| Memoranda: | ||
| Average total assets | $1,454,213,330 | 536 |
| Average earning assets | $1,363,230,670 | 519 |
| Average equity | $151,805,000 | 543 |
| Average total loans | $1,144,653,330 | 479 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 2,898 |
| Cost of funding earning assets | 0.5594% | 1,653 |
| Net interest margin | 3.4820% | 3,342 |
| Noninterest income to average assets | 1.0520% | 907 |
| Noninterest expense to average assets | 2.9439% | 2,317 |
| Loan and lease loss provision to assets | 0.1121% | 1,711 |
| Net operating income to assets | 0.8255% | 3,098 |
| Return on assets (ROA) | 0.8273% | 3,142 |
| Pretax return on assets | 1.2635% | 2,375 |
| Return on Equity (ROE) | 7.8771% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.8771% | 1,509 |
| Net charge-offs to loans | 0.0717% | 1,612 |
| Credit loss provision to net charge-offs | 196.0784% | 1,025 |
| Earnings coverage of net charge-offs (x) | 24.0196% | 1,372 |
| Efficiency ratio | 66.8484% | 3,360 |
| Assets per employee ($millions) | 5.0926% | 2,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9309% | 4,638 |
| Loan loss allowance to noncurrent loans | 148.4311% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4966% | 3,238 |
| Noncurrent loans to loans | 0.6271% | 2,945 |
| Net loans and leases to total assets | 78.4548% | 1,066 |
| Net loans and leases to deposits | 97.6962% | 791 |
| Net loans and leases to core deposits | 103.5097% | 1,251 |
| Total domestic deposits to total assets | 80.3049% | 4,560 |
| Equity capital to assets | 10.6027% | 3,063 |
| Core capital (leverage) ratio | 10.3887% | 3,019 |
| Tier 1 risk-based capital ratio | 13.0264% | 4,061 |
| Total risk-based capital ratio | 13.9643% | 4,152 |
| Memoranda: | ||
| Average total assets | $1,427,774,000 | 544 |
| Average earning assets | $1,338,672,000 | 526 |
| Average equity | $149,954,000 | 546 |
| Average total loans | $1,137,941,500 | 480 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 3,587 |
| Cost of funding earning assets | 0.5879% | 1,427 |
| Net interest margin | 3.3077% | 4,119 |
| Noninterest income to average assets | 1.0673% | 991 |
| Noninterest expense to average assets | 2.7609% | 3,158 |
| Loan and lease loss provision to assets | 0.1189% | 2,084 |
| Net operating income to assets | 0.8379% | 3,120 |
| Return on assets (ROA) | 0.8384% | 3,224 |
| Pretax return on assets | 1.2910% | 2,310 |
| Return on Equity (ROE) | 8.1897% | 2,840 |
| Retained earnings to average equity (ytd only) | 7.8430% | 906 |
| Net charge-offs to loans | 0.0456% | 3,131 |
| Credit loss provision to net charge-offs | 331.6832% | 911 |
| Earnings coverage of net charge-offs (x) | 39.3129% | 1,192 |
| Efficiency ratio | 64.7926% | 3,800 |
| Assets per employee ($millions) | 5.3959% | 1,959 |
| Cash dividends to net income (ytd only)* | 4.2333% | 4,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 4,764 |
| Loan loss allowance to noncurrent loans | 110.5499% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 2,749 |
| Noncurrent loans to loans | 0.8196% | 2,471 |
| Net loans and leases to total assets | 79.4844% | 966 |
| Net loans and leases to deposits | 100.3178% | 653 |
| Net loans and leases to core deposits | 104.8499% | 1,217 |
| Total domestic deposits to total assets | 79.2326% | 4,739 |
| Equity capital to assets | 10.4022% | 3,269 |
| Core capital (leverage) ratio | 10.1002% | 3,366 |
| Tier 1 risk-based capital ratio | 12.7569% | 4,229 |
| Total risk-based capital ratio | 13.6775% | 4,313 |
| Memoranda: | ||
| Average total assets | $1,408,835,600 | 531 |
| Average earning assets | $1,321,551,400 | 519 |
| Average equity | $144,218,000 | 547 |
| Average total loans | $1,108,618,000 | 464 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8566% | 3,747 |
| Cost of funding earning assets | 0.5977% | 1,348 |
| Net interest margin | 3.2589% | 4,317 |
| Noninterest income to average assets | 1.0965% | 943 |
| Noninterest expense to average assets | 2.7407% | 3,214 |
| Loan and lease loss provision to assets | 0.1257% | 1,855 |
| Net operating income to assets | 0.8453% | 3,177 |
| Return on assets (ROA) | 0.8454% | 3,290 |
| Pretax return on assets | 1.2865% | 2,481 |
| Return on Equity (ROE) | 8.2925% | 2,857 |
| Retained earnings to average equity (ytd only) | 7.8270% | 1,242 |
| Net charge-offs to loans | 0.0302% | 3,049 |
| Credit loss provision to net charge-offs | 532.1285% | 673 |
| Earnings coverage of net charge-offs (x) | 59.7593% | 963 |
| Efficiency ratio | 64.5719% | 3,843 |
| Assets per employee ($millions) | 5.5356% | 1,819 |
| Cash dividends to net income (ytd only)* | 5.6129% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9171% | 4,821 |
| Loan loss allowance to noncurrent loans | 153.0966% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.4692% | 3,551 |
| Noncurrent loans to loans | 0.5991% | 3,216 |
| Net loans and leases to total assets | 77.6052% | 1,264 |
| Net loans and leases to deposits | 97.8885% | 865 |
| Net loans and leases to core deposits | 101.8990% | 1,493 |
| Total domestic deposits to total assets | 79.2792% | 4,660 |
| Equity capital to assets | 10.3970% | 3,681 |
| Core capital (leverage) ratio | 9.8775% | 3,724 |
| Tier 1 risk-based capital ratio | 12.8138% | 4,269 |
| Total risk-based capital ratio | 13.7503% | 4,375 |
| Memoranda: | ||
| Average total assets | $1,404,912,000 | 534 |
| Average earning assets | $1,317,600,250 | 524 |
| Average equity | $143,227,000 | 556 |
| Average total loans | $1,100,114,500 | 467 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 3,782 |
| Cost of funding earning assets | 0.6044% | 1,283 |
| Net interest margin | 3.2438% | 4,401 |
| Noninterest income to average assets | 1.0238% | 1,068 |
| Noninterest expense to average assets | 2.7653% | 3,147 |
| Loan and lease loss provision to assets | 0.0752% | 2,636 |
| Net operating income to assets | 0.8120% | 3,255 |
| Return on assets (ROA) | 0.8119% | 3,386 |
| Pretax return on assets | 1.2253% | 2,683 |
| Return on Equity (ROE) | 8.0185% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.3116% | 1,465 |
| Net charge-offs to loans | 0.0241% | 3,004 |
| Credit loss provision to net charge-offs | 397.7273% | 781 |
| Earnings coverage of net charge-offs (x) | 68.8333% | 788 |
| Efficiency ratio | 66.5505% | 3,598 |
| Assets per employee ($millions) | 5.5418% | 1,753 |
| Cash dividends to net income (ytd only)* | 8.8152% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8749% | 5,031 |
| Loan loss allowance to noncurrent loans | 123.5484% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 0.5506% | 3,373 |
| Noncurrent loans to loans | 0.7081% | 2,953 |
| Net loans and leases to total assets | 77.0688% | 1,328 |
| Net loans and leases to deposits | 97.9414% | 896 |
| Net loans and leases to core deposits | 102.3801% | 1,443 |
| Total domestic deposits to total assets | 78.6887% | 4,851 |
| Equity capital to assets | 10.3235% | 3,826 |
| Core capital (leverage) ratio | 9.8296% | 3,775 |
| Tier 1 risk-based capital ratio | 12.8864% | 4,266 |
| Total risk-based capital ratio | 13.7873% | 4,408 |
| Memoranda: | ||
| Average total assets | $1,397,155,670 | 536 |
| Average earning assets | $1,310,320,670 | 527 |
| Average equity | $141,473,330 | 563 |
| Average total loans | $1,093,952,000 | 470 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 3,734 |
| Cost of funding earning assets | 0.6182% | 1,227 |
| Net interest margin | 3.2417% | 4,427 |
| Noninterest income to average assets | 1.0205% | 1,032 |
| Noninterest expense to average assets | 2.7858% | 3,127 |
| Loan and lease loss provision to assets | 0.1293% | 1,640 |
| Net operating income to assets | 0.7600% | 3,437 |
| Return on assets (ROA) | 0.7598% | 3,548 |
| Pretax return on assets | 1.1460% | 2,909 |
| Return on Equity (ROE) | 7.5785% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.5785% | 1,632 |
| Net charge-offs to loans | 0.0658% | 1,839 |
| Credit loss provision to net charge-offs | 250.0000% | 940 |
| Earnings coverage of net charge-offs (x) | 24.6611% | 1,323 |
| Efficiency ratio | 67.1195% | 3,610 |
| Assets per employee ($millions) | 5.2881% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 5,185 |
| Loan loss allowance to noncurrent loans | 124.6637% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.5390% | 3,452 |
| Noncurrent loans to loans | 0.6907% | 3,119 |
| Net loans and leases to total assets | 77.3702% | 1,198 |
| Net loans and leases to deposits | 99.0038% | 692 |
| Net loans and leases to core deposits | 103.6052% | 1,211 |
| Total domestic deposits to total assets | 78.1487% | 5,114 |
| Equity capital to assets | 10.0653% | 3,993 |
| Core capital (leverage) ratio | 9.7509% | 3,842 |
| Tier 1 risk-based capital ratio | 12.6429% | 4,492 |
| Total risk-based capital ratio | 13.5329% | 4,629 |
| Memoranda: | ||
| Average total assets | $1,391,927,000 | 540 |
| Average earning assets | $1,305,732,500 | 528 |
| Average equity | $139,552,500 | 568 |
| Average total loans | $1,093,725,000 | 467 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7685% | 4,140 |
| Cost of funding earning assets | 0.5974% | 1,373 |
| Net interest margin | 3.1711% | 4,711 |
| Noninterest income to average assets | 1.1461% | 898 |
| Noninterest expense to average assets | 2.9397% | 2,729 |
| Loan and lease loss provision to assets | 0.0804% | 2,674 |
| Net operating income to assets | 0.7354% | 3,645 |
| Return on assets (ROA) | 0.7389% | 3,724 |
| Pretax return on assets | 1.0983% | 3,072 |
| Return on Equity (ROE) | 7.4002% | 3,306 |
| Retained earnings to average equity (ytd only) | 7.4002% | 1,127 |
| Net charge-offs to loans | 0.0144% | 4,008 |
| Credit loss provision to net charge-offs | 698.0519% | 480 |
| Earnings coverage of net charge-offs (x) | 101.8636% | 565 |
| Efficiency ratio | 69.9196% | 3,239 |
| Assets per employee ($millions) | 5.1200% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8427% | 5,287 |
| Loan loss allowance to noncurrent loans | 121.8551% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5472% | 3,462 |
| Noncurrent loans to loans | 0.6916% | 3,122 |
| Net loans and leases to total assets | 78.4512% | 1,063 |
| Net loans and leases to deposits | 100.6793% | 630 |
| Net loans and leases to core deposits | 104.0902% | 1,215 |
| Total domestic deposits to total assets | 77.9219% | 5,180 |
| Equity capital to assets | 9.9753% | 3,990 |
| Core capital (leverage) ratio | 9.5175% | 4,149 |
| Tier 1 risk-based capital ratio | 12.2828% | 4,770 |
| Total risk-based capital ratio | 13.1578% | 4,917 |
| Memoranda: | ||
| Average total assets | $1,336,815,200 | 536 |
| Average earning assets | $1,250,808,800 | 523 |
| Average equity | $133,482,800 | 571 |
| Average total loans | $1,069,884,800 | 451 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7597% | 4,223 |
| Cost of funding earning assets | 0.5906% | 1,466 |
| Net interest margin | 3.1691% | 4,775 |
| Noninterest income to average assets | 1.1665% | 880 |
| Noninterest expense to average assets | 2.8945% | 2,868 |
| Loan and lease loss provision to assets | 0.0829% | 2,514 |
| Net operating income to assets | 0.7738% | 3,559 |
| Return on assets (ROA) | 0.7741% | 3,650 |
| Pretax return on assets | 1.1530% | 3,004 |
| Return on Equity (ROE) | 7.7509% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.7509% | 1,359 |
| Net charge-offs to loans | 0.0140% | 3,686 |
| Credit loss provision to net charge-offs | 736.6071% | 472 |
| Earnings coverage of net charge-offs (x) | 109.7587% | 577 |
| Efficiency ratio | 68.5169% | 3,448 |
| Assets per employee ($millions) | 5.1108% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8361% | 5,423 |
| Loan loss allowance to noncurrent loans | 128.7292% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 3,758 |
| Noncurrent loans to loans | 0.6495% | 3,381 |
| Net loans and leases to total assets | 79.4935% | 885 |
| Net loans and leases to deposits | 103.2990% | 486 |
| Net loans and leases to core deposits | 107.1096% | 1,031 |
| Total domestic deposits to total assets | 76.9547% | 5,345 |
| Equity capital to assets | 10.1865% | 3,954 |
| Core capital (leverage) ratio | 9.7475% | 3,970 |
| Tier 1 risk-based capital ratio | 12.3800% | 4,838 |
| Total risk-based capital ratio | 13.2398% | 5,008 |
| Memoranda: | ||
| Average total assets | $1,326,697,750 | 540 |
| Average earning assets | $1,240,600,750 | 531 |
| Average equity | $132,506,500 | 581 |
| Average total loans | $1,064,936,250 | 455 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,320 |
| Cost of funding earning assets | 0.5948% | 1,453 |
| Net interest margin | 3.1341% | 4,869 |
| Noninterest income to average assets | 1.1549% | 898 |
| Noninterest expense to average assets | 2.8983% | 2,901 |
| Loan and lease loss provision to assets | 0.1172% | 1,893 |
| Net operating income to assets | 0.7176% | 3,808 |
| Return on assets (ROA) | 0.7180% | 3,924 |
| Pretax return on assets | 1.0681% | 3,311 |
| Return on Equity (ROE) | 7.2373% | 3,463 |
| Retained earnings to average equity (ytd only) | 7.2373% | 1,599 |
| Net charge-offs to loans | 0.0075% | 3,633 |
| Credit loss provision to net charge-offs | 1,937.5000% | 199 |
| Earnings coverage of net charge-offs (x) | 195.8500% | 355 |
| Efficiency ratio | 69.3481% | 3,435 |
| Assets per employee ($millions) | 5.0977% | 2,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 5,534 |
| Loan loss allowance to noncurrent loans | 129.9957% | 3,102 |
| Noncurrent assets plus other real estate owned to assets | 0.5162% | 3,892 |
| Noncurrent loans to loans | 0.6366% | 3,564 |
| Net loans and leases to total assets | 80.4250% | 748 |
| Net loans and leases to deposits | 104.6307% | 424 |
| Net loans and leases to core deposits | 108.8223% | 904 |
| Total domestic deposits to total assets | 76.8656% | 5,479 |
| Equity capital to assets | 9.9262% | 4,117 |
| Core capital (leverage) ratio | 9.5829% | 4,159 |
| Tier 1 risk-based capital ratio | 12.0710% | 5,093 |
| Total risk-based capital ratio | 12.9314% | 5,262 |
| Memoranda: | ||
| Average total assets | $1,322,585,000 | 537 |
| Average earning assets | $1,235,635,670 | 529 |
| Average equity | $131,208,330 | 583 |
| Average total loans | $1,062,108,000 | 457 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 4,406 |
| Cost of funding earning assets | 0.6055% | 1,394 |
| Net interest margin | 3.0837% | 4,998 |
| Noninterest income to average assets | 1.1843% | 811 |
| Noninterest expense to average assets | 2.9560% | 2,719 |
| Loan and lease loss provision to assets | 0.1066% | 1,925 |
| Net operating income to assets | 0.6742% | 3,923 |
| Return on assets (ROA) | 0.6742% | 4,043 |
| Pretax return on assets | 1.0049% | 3,479 |
| Return on Equity (ROE) | 6.7981% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.7981% | 2,100 |
| Net charge-offs to loans | -0.0084% | 4,651 |
| Credit loss provision to net charge-offs | -1,590.9091% | 5,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8767% | 3,338 |
| Assets per employee ($millions) | 5.1076% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 5,663 |
| Loan loss allowance to noncurrent loans | 168.7647% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 4,438 |
| Noncurrent loans to loans | 0.4823% | 4,129 |
| Net loans and leases to total assets | 79.8372% | 705 |
| Net loans and leases to deposits | 102.4401% | 437 |
| Net loans and leases to core deposits | 107.7542% | 833 |
| Total domestic deposits to total assets | 77.9355% | 5,464 |
| Equity capital to assets | 10.0015% | 4,147 |
| Core capital (leverage) ratio | 9.5057% | 4,269 |
| Tier 1 risk-based capital ratio | 11.8263% | 5,353 |
| Total risk-based capital ratio | 12.6537% | 5,515 |
| Memoranda: | ||
| Average total assets | $1,313,531,500 | 538 |
| Average earning assets | $1,228,121,500 | 528 |
| Average equity | $130,272,500 | 585 |
| Average total loans | $1,049,537,500 | 463 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7085% | 4,758 |
| Cost of funding earning assets | 0.6115% | 1,669 |
| Net interest margin | 3.0970% | 5,211 |
| Noninterest income to average assets | 1.0697% | 1,061 |
| Noninterest expense to average assets | 3.2656% | 2,024 |
| Loan and lease loss provision to assets | 0.1514% | 1,733 |
| Net operating income to assets | 0.3634% | 5,345 |
| Return on assets (ROA) | 0.3656% | 5,408 |
| Pretax return on assets | 0.5369% | 5,153 |
| Return on Equity (ROE) | 3.6892% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.6892% | 3,593 |
| Net charge-offs to loans | 0.0856% | 3,273 |
| Credit loss provision to net charge-offs | 227.8107% | 1,105 |
| Earnings coverage of net charge-offs (x) | 10.3077% | 2,625 |
| Efficiency ratio | 80.4257% | 1,862 |
| Assets per employee ($millions) | 5.0552% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7957% | 5,784 |
| Loan loss allowance to noncurrent loans | 146.2042% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.4534% | 4,301 |
| Noncurrent loans to loans | 0.5442% | 4,030 |
| Net loans and leases to total assets | 78.6767% | 923 |
| Net loans and leases to deposits | 101.2715% | 555 |
| Net loans and leases to core deposits | 104.3414% | 1,108 |
| Total domestic deposits to total assets | 77.6889% | 5,488 |
| Equity capital to assets | 9.8334% | 4,307 |
| Core capital (leverage) ratio | 9.4890% | 4,257 |
| Tier 1 risk-based capital ratio | 12.1766% | 5,247 |
| Total risk-based capital ratio | 13.0104% | 5,424 |
| Memoranda: | ||
| Average total assets | $1,271,268,600 | 529 |
| Average earning assets | $1,182,586,200 | 523 |
| Average equity | $125,990,400 | 577 |
| Average total loans | $986,774,400 | 465 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7163% | 4,808 |
| Cost of funding earning assets | 0.6145% | 1,724 |
| Net interest margin | 3.1019% | 5,253 |
| Noninterest income to average assets | 1.0938% | 1,018 |
| Noninterest expense to average assets | 3.3429% | 1,803 |
| Loan and lease loss provision to assets | 0.1004% | 2,365 |
| Net operating income to assets | 0.3601% | 5,399 |
| Return on assets (ROA) | 0.3631% | 5,460 |
| Pretax return on assets | 0.5364% | 5,218 |
| Return on Equity (ROE) | 3.6562% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.6562% | 4,047 |
| Net charge-offs to loans | 0.0704% | 3,190 |
| Credit loss provision to net charge-offs | 184.8249% | 1,354 |
| Earnings coverage of net charge-offs (x) | 11.6439% | 2,400 |
| Efficiency ratio | 81.9112% | 1,634 |
| Assets per employee ($millions) | 4.8896% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7593% | 5,968 |
| Loan loss allowance to noncurrent loans | 159.9412% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4112% | 4,689 |
| Noncurrent loans to loans | 0.4747% | 4,480 |
| Net loans and leases to total assets | 78.0178% | 959 |
| Net loans and leases to deposits | 97.8594% | 746 |
| Net loans and leases to core deposits | 101.1683% | 1,279 |
| Total domestic deposits to total assets | 79.7244% | 5,169 |
| Equity capital to assets | 9.9831% | 4,183 |
| Core capital (leverage) ratio | 9.4197% | 4,488 |
| Tier 1 risk-based capital ratio | 12.4748% | 5,185 |
| Total risk-based capital ratio | 13.2707% | 5,385 |
| Memoranda: | ||
| Average total assets | $1,261,761,500 | 532 |
| Average earning assets | $1,172,127,250 | 525 |
| Average equity | $125,301,000 | 576 |
| Average total loans | $973,874,500 | 463 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7029% | 4,854 |
| Cost of funding earning assets | 0.6122% | 1,792 |
| Net interest margin | 3.0907% | 5,279 |
| Noninterest income to average assets | 1.0673% | 1,047 |
| Noninterest expense to average assets | 3.0074% | 2,799 |
| Loan and lease loss provision to assets | 0.0716% | 2,842 |
| Net operating income to assets | 0.5774% | 4,466 |
| Return on assets (ROA) | 0.5817% | 4,544 |
| Pretax return on assets | 0.8634% | 4,024 |
| Return on Equity (ROE) | 5.8684% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.8684% | 2,404 |
| Net charge-offs to loans | 0.0183% | 3,854 |
| Credit loss provision to net charge-offs | 511.3636% | 573 |
| Earnings coverage of net charge-offs (x) | 66.3068% | 755 |
| Efficiency ratio | 75.4932% | 2,724 |
| Assets per employee ($millions) | 4.8093% | 2,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7540% | 6,079 |
| Loan loss allowance to noncurrent loans | 120.3766% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 4,477 |
| Noncurrent loans to loans | 0.6264% | 4,145 |
| Net loans and leases to total assets | 77.3288% | 1,001 |
| Net loans and leases to deposits | 97.8926% | 675 |
| Net loans and leases to core deposits | 101.1722% | 1,191 |
| Total domestic deposits to total assets | 78.9935% | 5,459 |
| Equity capital to assets | 9.9290% | 4,203 |
| Core capital (leverage) ratio | 9.4047% | 4,463 |
| Tier 1 risk-based capital ratio | 12.5847% | 5,171 |
| Total risk-based capital ratio | 13.3821% | 5,383 |
| Memoranda: | ||
| Average total assets | $1,256,951,000 | 536 |
| Average earning assets | $1,166,584,330 | 527 |
| Average equity | $124,600,000 | 577 |
| Average total loans | $964,074,000 | 459 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6732% | 4,935 |
| Cost of funding earning assets | 0.6006% | 1,966 |
| Net interest margin | 3.0725% | 5,331 |
| Noninterest income to average assets | 1.0915% | 936 |
| Noninterest expense to average assets | 2.9767% | 2,959 |
| Loan and lease loss provision to assets | 0.1126% | 2,073 |
| Net operating income to assets | 0.5732% | 4,336 |
| Return on assets (ROA) | 0.5849% | 4,340 |
| Pretax return on assets | 0.8731% | 3,817 |
| Return on Equity (ROE) | 5.9049% | 4,069 |
| Retained earnings to average equity (ytd only) | 5.9049% | 2,588 |
| Net charge-offs to loans | 0.0825% | 2,322 |
| Credit loss provision to net charge-offs | 179.4872% | 1,124 |
| Earnings coverage of net charge-offs (x) | 15.4359% | 1,548 |
| Efficiency ratio | 74.5984% | 3,032 |
| Assets per employee ($millions) | 4.7786% | 2,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7598% | 6,175 |
| Loan loss allowance to noncurrent loans | 156.4059% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.3947% | 4,962 |
| Noncurrent loans to loans | 0.4858% | 4,704 |
| Net loans and leases to total assets | 75.9642% | 1,006 |
| Net loans and leases to deposits | 95.3195% | 695 |
| Net loans and leases to core deposits | 98.7039% | 1,189 |
| Total domestic deposits to total assets | 79.6943% | 5,547 |
| Equity capital to assets | 9.8762% | 3,984 |
| Core capital (leverage) ratio | 9.5156% | 4,255 |
| Tier 1 risk-based capital ratio | 12.7398% | 5,167 |
| Total risk-based capital ratio | 13.5378% | 5,386 |
| Memoranda: | ||
| Average total assets | $1,243,382,500 | 543 |
| Average earning assets | $1,154,751,000 | 536 |
| Average equity | $123,151,500 | 585 |
| Average total loans | $945,854,000 | 463 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6701% | 5,219 |
| Cost of funding earning assets | 0.7187% | 1,687 |
| Net interest margin | 2.9514% | 5,675 |
| Noninterest income to average assets | 1.0945% | 1,171 |
| Noninterest expense to average assets | 3.0946% | 2,751 |
| Loan and lease loss provision to assets | 0.0413% | 4,291 |
| Net operating income to assets | 0.5085% | 4,700 |
| Return on assets (ROA) | 0.5125% | 4,808 |
| Pretax return on assets | 0.7041% | 4,527 |
| Return on Equity (ROE) | 5.1693% | 4,553 |
| Retained earnings to average equity (ytd only) | 5.1693% | 2,492 |
| Net charge-offs to loans | 0.0162% | 5,118 |
| Credit loss provision to net charge-offs | 346.0993% | 657 |
| Earnings coverage of net charge-offs (x) | 62.0638% | 666 |
| Efficiency ratio | 79.9356% | 2,157 |
| Assets per employee ($millions) | 4.8619% | 2,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7756% | 6,219 |
| Loan loss allowance to noncurrent loans | 185.5335% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.3440% | 5,240 |
| Noncurrent loans to loans | 0.4180% | 4,955 |
| Net loans and leases to total assets | 74.9960% | 1,224 |
| Net loans and leases to deposits | 94.4860% | 837 |
| Net loans and leases to core deposits | 97.6861% | 1,329 |
| Total domestic deposits to total assets | 79.3726% | 5,583 |
| Equity capital to assets | 9.9338% | 3,856 |
| Core capital (leverage) ratio | 9.7225% | 3,955 |
| Tier 1 risk-based capital ratio | 13.2912% | 4,796 |
| Total risk-based capital ratio | 14.1121% | 5,022 |
| Memoranda: | ||
| Average total assets | $1,182,653,600 | 553 |
| Average earning assets | $1,097,957,200 | 540 |
| Average equity | $117,249,200 | 608 |
| Average total loans | $870,378,000 | 479 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6695% | 5,253 |
| Cost of funding earning assets | 0.7397% | 1,670 |
| Net interest margin | 2.9298% | 5,740 |
| Noninterest income to average assets | 1.1099% | 1,191 |
| Noninterest expense to average assets | 3.1201% | 2,592 |
| Loan and lease loss provision to assets | 0.0555% | 3,940 |
| Net operating income to assets | 0.4584% | 4,987 |
| Return on assets (ROA) | 0.4635% | 5,105 |
| Pretax return on assets | 0.6607% | 4,819 |
| Return on Equity (ROE) | 4.6772% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.6772% | 3,333 |
| Net charge-offs to loans | 0.0213% | 4,703 |
| Credit loss provision to net charge-offs | 356.2044% | 738 |
| Earnings coverage of net charge-offs (x) | 45.4969% | 924 |
| Efficiency ratio | 80.7071% | 2,009 |
| Assets per employee ($millions) | 4.7438% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8137% | 6,255 |
| Loan loss allowance to noncurrent loans | 240.0936% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 5,419 |
| Noncurrent loans to loans | 0.3389% | 5,373 |
| Net loans and leases to total assets | 72.9826% | 1,455 |
| Net loans and leases to deposits | 90.2652% | 1,134 |
| Net loans and leases to core deposits | 93.2527% | 1,647 |
| Total domestic deposits to total assets | 80.8536% | 5,254 |
| Equity capital to assets | 9.7569% | 4,234 |
| Core capital (leverage) ratio | 9.7028% | 4,101 |
| Tier 1 risk-based capital ratio | 13.8480% | 4,534 |
| Total risk-based capital ratio | 14.7194% | 4,728 |
| Memoranda: | ||
| Average total assets | $1,172,016,000 | 558 |
| Average earning assets | $1,087,828,250 | 550 |
| Average equity | $116,134,250 | 618 |
| Average total loans | $856,463,500 | 489 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6755% | 5,218 |
| Cost of funding earning assets | 0.7473% | 1,727 |
| Net interest margin | 2.9282% | 5,729 |
| Noninterest income to average assets | 1.1760% | 1,098 |
| Noninterest expense to average assets | 3.0469% | 2,850 |
| Loan and lease loss provision to assets | 0.0838% | 3,404 |
| Net operating income to assets | 0.5360% | 4,633 |
| Return on assets (ROA) | 0.5436% | 4,754 |
| Pretax return on assets | 0.7745% | 4,413 |
| Return on Equity (ROE) | 5.4571% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.4571% | 2,771 |
| Net charge-offs to loans | 0.0337% | 4,214 |
| Credit loss provision to net charge-offs | 340.5594% | 764 |
| Earnings coverage of net charge-offs (x) | 34.4476% | 1,033 |
| Efficiency ratio | 77.4715% | 2,547 |
| Assets per employee ($millions) | 4.6732% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8222% | 6,315 |
| Loan loss allowance to noncurrent loans | 249.2708% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4252% | 5,216 |
| Noncurrent loans to loans | 0.3298% | 5,470 |
| Net loans and leases to total assets | 73.2451% | 1,362 |
| Net loans and leases to deposits | 90.8904% | 1,062 |
| Net loans and leases to core deposits | 93.8163% | 1,531 |
| Total domestic deposits to total assets | 80.5862% | 5,453 |
| Equity capital to assets | 9.7782% | 4,205 |
| Core capital (leverage) ratio | 9.7771% | 3,824 |
| Tier 1 risk-based capital ratio | 13.9452% | 4,458 |
| Total risk-based capital ratio | 14.8297% | 4,684 |
| Memoranda: | ||
| Average total assets | $1,162,629,330 | 563 |
| Average earning assets | $1,079,306,670 | 550 |
| Average equity | $115,812,330 | 622 |
| Average total loans | $847,582,670 | 490 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6859% | 5,214 |
| Cost of funding earning assets | 0.7462% | 1,877 |
| Net interest margin | 2.9397% | 5,728 |
| Noninterest income to average assets | 1.2065% | 1,044 |
| Noninterest expense to average assets | 3.1239% | 2,603 |
| Loan and lease loss provision to assets | 0.1041% | 2,942 |
| Net operating income to assets | 0.4956% | 4,688 |
| Return on assets (ROA) | 0.5024% | 4,795 |
| Pretax return on assets | 0.7221% | 4,479 |
| Return on Equity (ROE) | 4.9968% | 4,571 |
| Retained earnings to average equity (ytd only) | 4.9968% | 3,236 |
| Net charge-offs to loans | 0.0134% | 3,877 |
| Credit loss provision to net charge-offs | 1,071.4286% | 297 |
| Earnings coverage of net charge-offs (x) | 84.0357% | 446 |
| Efficiency ratio | 78.5224% | 2,532 |
| Assets per employee ($millions) | 4.4379% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8407% | 6,387 |
| Loan loss allowance to noncurrent loans | 177.1436% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.5434% | 5,035 |
| Noncurrent loans to loans | 0.4746% | 5,234 |
| Net loans and leases to total assets | 72.3689% | 1,299 |
| Net loans and leases to deposits | 89.0670% | 1,045 |
| Net loans and leases to core deposits | 91.9114% | 1,512 |
| Total domestic deposits to total assets | 81.2521% | 5,433 |
| Equity capital to assets | 10.0571% | 4,072 |
| Core capital (leverage) ratio | 9.8124% | 3,646 |
| Tier 1 risk-based capital ratio | 14.1050% | 4,427 |
| Total risk-based capital ratio | 15.0049% | 4,651 |
| Memoranda: | ||
| Average total assets | $1,152,783,500 | 573 |
| Average earning assets | $1,072,098,500 | 557 |
| Average equity | $115,913,500 | 627 |
| Average total loans | $834,788,500 | 499 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8646% | 5,682 |
| Cost of funding earning assets | 0.8607% | 2,211 |
| Net interest margin | 3.0039% | 6,045 |
| Noninterest income to average assets | 1.1994% | 1,090 |
| Noninterest expense to average assets | 3.2784% | 2,402 |
| Loan and lease loss provision to assets | 0.0464% | 5,255 |
| Net operating income to assets | 0.4723% | 4,796 |
| Return on assets (ROA) | 0.4774% | 5,022 |
| Pretax return on assets | 0.6695% | 4,759 |
| Return on Equity (ROE) | 4.9256% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.9256% | 2,750 |
| Net charge-offs to loans | 0.0262% | 5,531 |
| Credit loss provision to net charge-offs | 253.6232% | 950 |
| Earnings coverage of net charge-offs (x) | 38.7150% | 826 |
| Efficiency ratio | 81.4500% | 1,952 |
| Assets per employee ($millions) | 4.4641% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8293% | 6,430 |
| Loan loss allowance to noncurrent loans | 103.2010% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 4,891 |
| Noncurrent loans to loans | 0.8035% | 4,582 |
| Net loans and leases to total assets | 71.2464% | 1,610 |
| Net loans and leases to deposits | 86.2548% | 1,485 |
| Net loans and leases to core deposits | 88.9411% | 1,976 |
| Total domestic deposits to total assets | 82.5999% | 4,888 |
| Equity capital to assets | 10.0531% | 4,099 |
| Core capital (leverage) ratio | 9.7096% | 3,790 |
| Tier 1 risk-based capital ratio | 14.3316% | 4,143 |
| Total risk-based capital ratio | 15.2232% | 4,367 |
| Memoranda: | ||
| Average total assets | $1,130,887,600 | 579 |
| Average earning assets | $1,049,468,800 | 563 |
| Average equity | $109,611,400 | 648 |
| Average total loans | $791,260,600 | 514 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9050% | 5,777 |
| Cost of funding earning assets | 0.8821% | 2,292 |
| Net interest margin | 3.0229% | 6,122 |
| Noninterest income to average assets | 1.2501% | 959 |
| Noninterest expense to average assets | 3.2051% | 2,547 |
| Loan and lease loss provision to assets | 0.0177% | 5,581 |
| Net operating income to assets | 0.5804% | 4,476 |
| Return on assets (ROA) | 0.5868% | 4,723 |
| Pretax return on assets | 0.8402% | 4,335 |
| Return on Equity (ROE) | 6.1119% | 4,277 |
| Retained earnings to average equity (ytd only) | 6.1119% | 2,626 |
| Net charge-offs to loans | -0.0019% | 6,202 |
| Credit loss provision to net charge-offs | -1,363.6364% | 6,571 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2931% | 2,355 |
| Assets per employee ($millions) | 4.3986% | 3,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 6,560 |
| Loan loss allowance to noncurrent loans | 119.8062% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 5,316 |
| Noncurrent loans to loans | 0.6842% | 5,069 |
| Net loans and leases to total assets | 70.9232% | 1,736 |
| Net loans and leases to deposits | 87.0977% | 1,468 |
| Net loans and leases to core deposits | 89.9258% | 1,988 |
| Total domestic deposits to total assets | 81.4295% | 5,223 |
| Equity capital to assets | 9.7820% | 4,809 |
| Core capital (leverage) ratio | 9.7327% | 3,899 |
| Tier 1 risk-based capital ratio | 14.1628% | 4,405 |
| Total risk-based capital ratio | 15.0278% | 4,656 |
| Memoranda: | ||
| Average total assets | $1,126,792,250 | 584 |
| Average earning assets | $1,045,160,250 | 568 |
| Average equity | $108,180,250 | 656 |
| Average total loans | $783,020,000 | 513 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9604% | 5,758 |
| Cost of funding earning assets | 0.9056% | 2,356 |
| Net interest margin | 3.0549% | 6,115 |
| Noninterest income to average assets | 1.2086% | 980 |
| Noninterest expense to average assets | 3.2163% | 2,536 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5764% | 4,463 |
| Return on assets (ROA) | 0.5820% | 4,711 |
| Pretax return on assets | 0.8327% | 4,343 |
| Return on Equity (ROE) | 6.1012% | 4,273 |
| Retained earnings to average equity (ytd only) | 6.1012% | 2,654 |
| Net charge-offs to loans | -0.0199% | 6,431 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8211% | 2,350 |
| Assets per employee ($millions) | 4.3159% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8253% | 6,624 |
| Loan loss allowance to noncurrent loans | 118.0662% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 5,391 |
| Noncurrent loans to loans | 0.6990% | 5,105 |
| Net loans and leases to total assets | 70.0789% | 1,906 |
| Net loans and leases to deposits | 85.8756% | 1,615 |
| Net loans and leases to core deposits | 88.6282% | 2,133 |
| Total domestic deposits to total assets | 81.6051% | 5,264 |
| Equity capital to assets | 9.6283% | 4,870 |
| Core capital (leverage) ratio | 9.7111% | 3,818 |
| Tier 1 risk-based capital ratio | 14.3734% | 4,195 |
| Total risk-based capital ratio | 15.2547% | 4,405 |
| Memoranda: | ||
| Average total assets | $1,122,644,670 | 587 |
| Average earning assets | $1,040,892,670 | 569 |
| Average equity | $107,093,670 | 660 |
| Average total loans | $772,473,330 | 520 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9679% | 5,867 |
| Cost of funding earning assets | 0.9479% | 2,312 |
| Net interest margin | 3.0200% | 6,250 |
| Noninterest income to average assets | 1.2287% | 945 |
| Noninterest expense to average assets | 3.1819% | 2,664 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5874% | 4,405 |
| Return on assets (ROA) | 0.5879% | 4,620 |
| Pretax return on assets | 0.8468% | 4,240 |
| Return on Equity (ROE) | 6.1919% | 4,189 |
| Retained earnings to average equity (ytd only) | 6.1919% | 2,841 |
| Net charge-offs to loans | -0.0263% | 6,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2138% | 2,463 |
| Assets per employee ($millions) | 4.3309% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8483% | 6,642 |
| Loan loss allowance to noncurrent loans | 109.7777% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 5,476 |
| Noncurrent loans to loans | 0.7727% | 5,118 |
| Net loans and leases to total assets | 67.4010% | 2,215 |
| Net loans and leases to deposits | 84.1903% | 1,640 |
| Net loans and leases to core deposits | 87.2092% | 2,146 |
| Total domestic deposits to total assets | 80.0579% | 5,839 |
| Equity capital to assets | 9.4101% | 4,944 |
| Core capital (leverage) ratio | 9.7075% | 3,760 |
| Tier 1 risk-based capital ratio | 14.3534% | 4,208 |
| Total risk-based capital ratio | 15.2438% | 4,436 |
| Memoranda: | ||
| Average total assets | $1,118,579,000 | 591 |
| Average earning assets | $1,036,833,000 | 569 |
| Average equity | $106,203,500 | 664 |
| Average total loans | $759,195,500 | 530 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1790% | 6,116 |
| Cost of funding earning assets | 1.0674% | 2,900 |
| Net interest margin | 3.1116% | 6,320 |
| Noninterest income to average assets | 1.1337% | 1,021 |
| Noninterest expense to average assets | 3.3031% | 2,515 |
| Loan and lease loss provision to assets | 0.0616% | 5,843 |
| Net operating income to assets | 0.4724% | 4,533 |
| Return on assets (ROA) | 0.4736% | 4,738 |
| Pretax return on assets | 0.6590% | 4,477 |
| Return on Equity (ROE) | 4.8393% | 4,462 |
| Retained earnings to average equity (ytd only) | 4.8393% | 2,758 |
| Net charge-offs to loans | -0.0503% | 7,052 |
| Credit loss provision to net charge-offs | -180.7588% | 6,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3209% | 2,117 |
| Assets per employee ($millions) | 4.2399% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8758% | 6,592 |
| Loan loss allowance to noncurrent loans | 103.9063% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6098% | 5,436 |
| Noncurrent loans to loans | 0.8429% | 5,002 |
| Net loans and leases to total assets | 67.1678% | 2,544 |
| Net loans and leases to deposits | 83.3374% | 2,018 |
| Net loans and leases to core deposits | 86.4654% | 2,577 |
| Total domestic deposits to total assets | 80.5974% | 5,560 |
| Equity capital to assets | 9.5820% | 4,767 |
| Core capital (leverage) ratio | 9.6128% | 3,848 |
| Tier 1 risk-based capital ratio | 14.6237% | 3,884 |
| Total risk-based capital ratio | 15.5387% | 4,082 |
| Memoranda: | ||
| Average total assets | $1,082,710,000 | 600 |
| Average earning assets | $1,004,973,800 | 585 |
| Average equity | $105,965,600 | 649 |
| Average total loans | $732,963,400 | 561 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2155% | 6,170 |
| Cost of funding earning assets | 1.0905% | 3,041 |
| Net interest margin | 3.1250% | 6,350 |
| Noninterest income to average assets | 1.1378% | 1,020 |
| Noninterest expense to average assets | 3.2467% | 2,672 |
| Loan and lease loss provision to assets | 0.0824% | 5,411 |
| Net operating income to assets | 0.5098% | 4,508 |
| Return on assets (ROA) | 0.5103% | 4,691 |
| Pretax return on assets | 0.7144% | 4,421 |
| Return on Equity (ROE) | 5.1862% | 4,460 |
| Retained earnings to average equity (ytd only) | 5.1862% | 3,068 |
| Net charge-offs to loans | -0.1052% | 7,173 |
| Credit loss provision to net charge-offs | -115.7986% | 6,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5011% | 2,335 |
| Assets per employee ($millions) | 4.1915% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 6,536 |
| Loan loss allowance to noncurrent loans | 123.8534% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 5,725 |
| Noncurrent loans to loans | 0.7424% | 5,395 |
| Net loans and leases to total assets | 66.4887% | 2,783 |
| Net loans and leases to deposits | 82.8784% | 2,191 |
| Net loans and leases to core deposits | 85.7427% | 2,812 |
| Total domestic deposits to total assets | 80.2244% | 5,669 |
| Equity capital to assets | 9.9602% | 4,398 |
| Core capital (leverage) ratio | 9.6062% | 3,981 |
| Tier 1 risk-based capital ratio | 14.5975% | 3,905 |
| Total risk-based capital ratio | 15.5497% | 4,090 |
| Memoranda: | ||
| Average total assets | $1,078,852,750 | 612 |
| Average earning assets | $1,002,933,000 | 593 |
| Average equity | $106,151,000 | 655 |
| Average total loans | $730,176,000 | 572 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2526% | 6,154 |
| Cost of funding earning assets | 1.1049% | 3,210 |
| Net interest margin | 3.1477% | 6,288 |
| Noninterest income to average assets | 1.0796% | 1,115 |
| Noninterest expense to average assets | 3.3039% | 2,548 |
| Loan and lease loss provision to assets | 0.0930% | 5,166 |
| Net operating income to assets | 0.4457% | 4,740 |
| Return on assets (ROA) | 0.4459% | 4,880 |
| Pretax return on assets | 0.6116% | 4,707 |
| Return on Equity (ROE) | 4.5504% | 4,671 |
| Retained earnings to average equity (ytd only) | 4.5504% | 3,290 |
| Net charge-offs to loans | -0.2220% | 7,305 |
| Credit loss provision to net charge-offs | -61.7284% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6140% | 2,157 |
| Assets per employee ($millions) | 4.2007% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9244% | 6,590 |
| Loan loss allowance to noncurrent loans | 78.0575% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 0.8565% | 5,158 |
| Noncurrent loans to loans | 1.1842% | 4,677 |
| Net loans and leases to total assets | 67.4226% | 2,729 |
| Net loans and leases to deposits | 84.5679% | 2,022 |
| Net loans and leases to core deposits | 88.2051% | 2,617 |
| Total domestic deposits to total assets | 79.7259% | 5,896 |
| Equity capital to assets | 9.8946% | 4,279 |
| Core capital (leverage) ratio | 9.4682% | 3,998 |
| Tier 1 risk-based capital ratio | 14.4321% | 3,839 |
| Total risk-based capital ratio | 15.3998% | 4,033 |
| Memoranda: | ||
| Average total assets | $1,075,203,330 | 623 |
| Average earning assets | $1,000,416,670 | 600 |
| Average equity | $105,352,670 | 660 |
| Average total loans | $729,795,330 | 580 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2370% | 6,188 |
| Cost of funding earning assets | 1.0998% | 3,520 |
| Net interest margin | 3.1371% | 6,248 |
| Noninterest income to average assets | 1.0811% | 1,126 |
| Noninterest expense to average assets | 3.3278% | 2,472 |
| Loan and lease loss provision to assets | 0.0932% | 4,848 |
| Net operating income to assets | 0.4236% | 4,838 |
| Return on assets (ROA) | 0.4239% | 4,926 |
| Pretax return on assets | 0.5782% | 4,772 |
| Return on Equity (ROE) | 4.3472% | 4,725 |
| Retained earnings to average equity (ytd only) | 4.3472% | 3,562 |
| Net charge-offs to loans | 0.0880% | 4,069 |
| Credit loss provision to net charge-offs | 156.2500% | 1,836 |
| Earnings coverage of net charge-offs (x) | 11.2500% | 1,564 |
| Efficiency ratio | 82.3996% | 2,165 |
| Assets per employee ($millions) | 4.0246% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 6,983 |
| Loan loss allowance to noncurrent loans | 57.6828% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 0.9569% | 4,985 |
| Noncurrent loans to loans | 1.3256% | 4,485 |
| Net loans and leases to total assets | 67.7937% | 2,594 |
| Net loans and leases to deposits | 85.1601% | 1,855 |
| Net loans and leases to core deposits | 88.9415% | 2,487 |
| Total domestic deposits to total assets | 79.6074% | 6,035 |
| Equity capital to assets | 9.8302% | 3,989 |
| Core capital (leverage) ratio | 9.4107% | 3,941 |
| Tier 1 risk-based capital ratio | 14.4653% | 3,762 |
| Total risk-based capital ratio | 15.2716% | 4,037 |
| Memoranda: | ||
| Average total assets | $1,073,017,000 | 628 |
| Average earning assets | $997,978,500 | 605 |
| Average equity | $104,619,000 | 664 |
| Average total loans | $727,358,500 | 588 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5185% | 6,346 |
| Cost of funding earning assets | 1.3528% | 3,551 |
| Net interest margin | 3.1658% | 6,352 |
| Noninterest income to average assets | 1.2203% | 1,010 |
| Noninterest expense to average assets | 3.0591% | 3,632 |
| Loan and lease loss provision to assets | 0.1792% | 5,427 |
| Net operating income to assets | 0.6476% | 3,450 |
| Return on assets (ROA) | 0.6519% | 3,577 |
| Pretax return on assets | 0.9233% | 3,182 |
| Return on Equity (ROE) | 7.0463% | 3,094 |
| Retained earnings to average equity (ytd only) | 7.0463% | 1,300 |
| Net charge-offs to loans | 0.2940% | 4,550 |
| Credit loss provision to net charge-offs | 88.4685% | 5,186 |
| Earnings coverage of net charge-offs (x) | 5.4117% | 2,628 |
| Efficiency ratio | 72.8439% | 3,633 |
| Assets per employee ($millions) | 4.1520% | 3,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 7,052 |
| Loan loss allowance to noncurrent loans | 94.5652% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.5968% | 5,830 |
| Noncurrent loans to loans | 0.7982% | 5,446 |
| Net loans and leases to total assets | 66.7552% | 3,286 |
| Net loans and leases to deposits | 85.1385% | 2,253 |
| Net loans and leases to core deposits | 88.3737% | 3,002 |
| Total domestic deposits to total assets | 78.4077% | 6,236 |
| Equity capital to assets | 9.6707% | 4,186 |
| Core capital (leverage) ratio | 9.0846% | 4,382 |
| Tier 1 risk-based capital ratio | 14.1738% | 3,753 |
| Total risk-based capital ratio | 14.9606% | 4,029 |
| Memoranda: | ||
| Average total assets | $1,095,703,600 | 614 |
| Average earning assets | $1,015,926,600 | 593 |
| Average equity | $101,372,600 | 665 |
| Average total loans | $755,224,000 | 574 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5493% | 6,469 |
| Cost of funding earning assets | 1.3971% | 3,603 |
| Net interest margin | 3.1521% | 6,480 |
| Noninterest income to average assets | 1.2135% | 945 |
| Noninterest expense to average assets | 3.1585% | 3,074 |
| Loan and lease loss provision to assets | 0.0242% | 6,821 |
| Net operating income to assets | 0.6853% | 3,494 |
| Return on assets (ROA) | 0.6772% | 3,675 |
| Pretax return on assets | 0.9413% | 3,403 |
| Return on Equity (ROE) | 7.4022% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.4022% | 1,642 |
| Net charge-offs to loans | 0.1666% | 4,983 |
| Credit loss provision to net charge-offs | 20.9864% | 6,237 |
| Earnings coverage of net charge-offs (x) | 8.4544% | 2,161 |
| Efficiency ratio | 75.6164% | 3,017 |
| Assets per employee ($millions) | 4.3343% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 7,347 |
| Loan loss allowance to noncurrent loans | 92.9688% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 6,199 |
| Noncurrent loans to loans | 0.6489% | 5,908 |
| Net loans and leases to total assets | 67.9435% | 3,228 |
| Net loans and leases to deposits | 88.1522% | 1,989 |
| Net loans and leases to core deposits | 91.1012% | 2,940 |
| Total domestic deposits to total assets | 77.0752% | 6,463 |
| Equity capital to assets | 9.4673% | 4,893 |
| Core capital (leverage) ratio | 8.9190% | 4,822 |
| Tier 1 risk-based capital ratio | 13.7889% | 3,990 |
| Total risk-based capital ratio | 14.4778% | 4,380 |
| Memoranda: | ||
| Average total assets | $1,099,748,250 | 601 |
| Average earning assets | $1,019,391,500 | 584 |
| Average equity | $100,616,250 | 660 |
| Average total loans | $762,500,000 | 568 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5519% | 6,587 |
| Cost of funding earning assets | 1.4435% | 3,596 |
| Net interest margin | 3.1084% | 6,589 |
| Noninterest income to average assets | 1.2567% | 818 |
| Noninterest expense to average assets | 3.1537% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7090% | 3,365 |
| Return on assets (ROA) | 0.6946% | 3,580 |
| Pretax return on assets | 0.9669% | 3,250 |
| Return on Equity (ROE) | 7.6806% | 3,025 |
| Retained earnings to average equity (ytd only) | 7.6806% | 1,561 |
| Net charge-offs to loans | 0.0908% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 15.6092% | 1,448 |
| Efficiency ratio | 75.3971% | 3,184 |
| Assets per employee ($millions) | 4.2036% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6443% | 7,347 |
| Loan loss allowance to noncurrent loans | 101.7769% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 6,201 |
| Noncurrent loans to loans | 0.6331% | 5,980 |
| Net loans and leases to total assets | 68.9699% | 3,136 |
| Net loans and leases to deposits | 89.4813% | 1,936 |
| Net loans and leases to core deposits | 92.5460% | 2,914 |
| Total domestic deposits to total assets | 77.0774% | 6,490 |
| Equity capital to assets | 9.2238% | 5,111 |
| Core capital (leverage) ratio | 8.7898% | 4,931 |
| Tier 1 risk-based capital ratio | 13.3606% | 4,159 |
| Total risk-based capital ratio | 14.1006% | 4,523 |
| Memoranda: | ||
| Average total assets | $1,100,806,670 | 595 |
| Average earning assets | $1,021,284,000 | 581 |
| Average equity | $99,549,670 | 662 |
| Average total loans | $766,809,330 | 567 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5490% | 6,682 |
| Cost of funding earning assets | 1.4892% | 3,624 |
| Net interest margin | 3.0598% | 6,692 |
| Noninterest income to average assets | 1.2260% | 815 |
| Noninterest expense to average assets | 3.1814% | 2,934 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6415% | 3,703 |
| Return on assets (ROA) | 0.6630% | 3,714 |
| Pretax return on assets | 0.9152% | 3,410 |
| Return on Equity (ROE) | 7.4048% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.4048% | 1,973 |
| Net charge-offs to loans | 0.1307% | 4,177 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 9.7052% | 1,817 |
| Efficiency ratio | 77.4421% | 2,988 |
| Assets per employee ($millions) | 4.1394% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6548% | 7,425 |
| Loan loss allowance to noncurrent loans | 91.6940% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5896% | 6,040 |
| Noncurrent loans to loans | 0.7142% | 5,904 |
| Net loans and leases to total assets | 69.9967% | 2,942 |
| Net loans and leases to deposits | 91.6447% | 1,665 |
| Net loans and leases to core deposits | 94.8275% | 2,726 |
| Total domestic deposits to total assets | 76.3783% | 6,689 |
| Equity capital to assets | 9.1549% | 5,055 |
| Core capital (leverage) ratio | 8.5571% | 5,284 |
| Tier 1 risk-based capital ratio | 13.0450% | 4,302 |
| Total risk-based capital ratio | 13.7994% | 4,662 |
| Memoranda: | ||
| Average total assets | $1,100,532,000 | 616 |
| Average earning assets | $1,021,752,000 | 601 |
| Average equity | $98,531,000 | 674 |
| Average total loans | $767,949,000 | 586 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8444% | 6,855 |
| Cost of funding earning assets | 1.9389% | 3,255 |
| Net interest margin | 2.9055% | 6,857 |
| Noninterest income to average assets | 1.2322% | 998 |
| Noninterest expense to average assets | 3.1945% | 3,397 |
| Loan and lease loss provision to assets | 0.0887% | 6,726 |
| Net operating income to assets | 0.4811% | 3,810 |
| Return on assets (ROA) | 0.5424% | 3,646 |
| Pretax return on assets | 0.7326% | 3,464 |
| Return on Equity (ROE) | 6.5481% | 2,971 |
| Retained earnings to average equity (ytd only) | 6.5481% | 1,137 |
| Net charge-offs to loans | 0.1380% | 5,835 |
| Credit loss provision to net charge-offs | 88.9900% | 6,042 |
| Earnings coverage of net charge-offs (x) | 7.4113% | 2,154 |
| Efficiency ratio | 80.4619% | 2,813 |
| Assets per employee ($millions) | 4.2621% | 3,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6861% | 7,403 |
| Loan loss allowance to noncurrent loans | 93.8946% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 6,116 |
| Noncurrent loans to loans | 0.7307% | 5,793 |
| Net loans and leases to total assets | 68.6418% | 3,559 |
| Net loans and leases to deposits | 89.1643% | 2,363 |
| Net loans and leases to core deposits | 102.1297% | 3,791 |
| Total domestic deposits to total assets | 76.9835% | 6,480 |
| Equity capital to assets | 8.7555% | 5,509 |
| Core capital (leverage) ratio | 8.3816% | 5,470 |
| Tier 1 risk-based capital ratio | 12.7629% | 4,316 |
| Total risk-based capital ratio | 13.5465% | 4,649 |
| Memoranda: | ||
| Average total assets | $1,103,069,200 | 604 |
| Average earning assets | $1,025,313,600 | 588 |
| Average equity | $91,370,200 | 710 |
| Average total loans | $796,450,000 | 574 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 6,903 |
| Cost of funding earning assets | 2.0489% | 3,128 |
| Net interest margin | 2.8428% | 6,980 |
| Noninterest income to average assets | 1.2492% | 988 |
| Noninterest expense to average assets | 3.2620% | 3,070 |
| Loan and lease loss provision to assets | 0.0913% | 6,455 |
| Net operating income to assets | 0.3839% | 4,461 |
| Return on assets (ROA) | 0.4627% | 4,254 |
| Pretax return on assets | 0.6513% | 4,016 |
| Return on Equity (ROE) | 5.6677% | 3,660 |
| Retained earnings to average equity (ytd only) | 5.6677% | 2,117 |
| Net charge-offs to loans | 0.1323% | 5,375 |
| Credit loss provision to net charge-offs | 94.6048% | 5,353 |
| Earnings coverage of net charge-offs (x) | 6.5433% | 2,587 |
| Efficiency ratio | 83.0207% | 2,430 |
| Assets per employee ($millions) | 4.0480% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6877% | 7,404 |
| Loan loss allowance to noncurrent loans | 91.1474% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 6,045 |
| Noncurrent loans to loans | 0.7545% | 5,798 |
| Net loans and leases to total assets | 70.2217% | 3,458 |
| Net loans and leases to deposits | 91.7456% | 2,280 |
| Net loans and leases to core deposits | 105.7283% | 3,733 |
| Total domestic deposits to total assets | 76.5396% | 6,459 |
| Equity capital to assets | 8.4839% | 6,267 |
| Core capital (leverage) ratio | 7.8049% | 6,604 |
| Tier 1 risk-based capital ratio | 11.7481% | 5,203 |
| Total risk-based capital ratio | 12.5422% | 5,585 |
| Memoranda: | ||
| Average total assets | $1,100,736,000 | 614 |
| Average earning assets | $1,023,936,000 | 598 |
| Average equity | $89,863,750 | 730 |
| Average total loans | $803,350,500 | 589 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 6,918 |
| Cost of funding earning assets | 2.1574% | 3,000 |
| Net interest margin | 2.7938% | 7,025 |
| Noninterest income to average assets | 1.2629% | 957 |
| Noninterest expense to average assets | 3.2825% | 3,037 |
| Loan and lease loss provision to assets | 0.1339% | 5,744 |
| Net operating income to assets | 0.3349% | 4,739 |
| Return on assets (ROA) | 0.1554% | 5,499 |
| Pretax return on assets | 0.2061% | 5,454 |
| Return on Equity (ROE) | 1.9283% | 5,329 |
| Retained earnings to average equity (ytd only) | 1.9283% | 4,267 |
| Net charge-offs to loans | 0.1708% | 4,520 |
| Credit loss provision to net charge-offs | 106.3492% | 4,333 |
| Earnings coverage of net charge-offs (x) | 4.6003% | 3,054 |
| Efficiency ratio | 84.2415% | 2,453 |
| Assets per employee ($millions) | 4.6056% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6807% | 7,463 |
| Loan loss allowance to noncurrent loans | 84.4220% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 5,963 |
| Noncurrent loans to loans | 0.8064% | 5,618 |
| Net loans and leases to total assets | 71.5204% | 3,341 |
| Net loans and leases to deposits | 93.8072% | 2,118 |
| Net loans and leases to core deposits | 108.8669% | 3,507 |
| Total domestic deposits to total assets | 76.2419% | 6,500 |
| Equity capital to assets | 8.1708% | 6,533 |
| Core capital (leverage) ratio | 7.3347% | 7,207 |
| Tier 1 risk-based capital ratio | 11.1079% | 5,765 |
| Total risk-based capital ratio | 12.0038% | 6,069 |
| Memoranda: | ||
| Average total assets | $1,100,633,330 | 630 |
| Average earning assets | $1,023,826,330 | 606 |
| Average equity | $88,681,330 | 745 |
| Average total loans | $811,625,330 | 600 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0792% | 6,712 |
| Cost of funding earning assets | 2.2630% | 2,871 |
| Net interest margin | 2.8161% | 6,959 |
| Noninterest income to average assets | 1.2679% | 889 |
| Noninterest expense to average assets | 3.1909% | 3,031 |
| Loan and lease loss provision to assets | 0.1084% | 5,582 |
| Net operating income to assets | 0.5650% | 4,162 |
| Return on assets (ROA) | -0.0307% | 6,433 |
| Pretax return on assets | -0.0088% | 6,385 |
| Return on Equity (ROE) | -0.3832% | 6,456 |
| Retained earnings to average equity (ytd only) | -0.3832% | 5,740 |
| Net charge-offs to loans | 0.1815% | 3,551 |
| Credit loss provision to net charge-offs | 80.0539% | 4,189 |
| Earnings coverage of net charge-offs (x) | 5.1348% | 2,738 |
| Efficiency ratio | 81.3486% | 2,632 |
| Assets per employee ($millions) | 4.0065% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6494% | 7,568 |
| Loan loss allowance to noncurrent loans | 89.9899% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.5427% | 5,849 |
| Noncurrent loans to loans | 0.7216% | 5,613 |
| Net loans and leases to total assets | 74.7124% | 2,574 |
| Net loans and leases to deposits | 99.8918% | 1,425 |
| Net loans and leases to core deposits | 116.7027% | 2,720 |
| Total domestic deposits to total assets | 74.7933% | 6,746 |
| Equity capital to assets | 8.0522% | 6,737 |
| Core capital (leverage) ratio | 7.1537% | 7,522 |
| Tier 1 risk-based capital ratio | 10.8414% | 6,053 |
| Total risk-based capital ratio | 11.6734% | 6,385 |
| Memoranda: | ||
| Average total assets | $1,095,978,500 | 632 |
| Average earning assets | $1,018,981,000 | 613 |
| Average equity | $87,676,500 | 756 |
| Average total loans | $817,799,500 | 604 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4072% | 7,448 |
| Cost of funding earning assets | 2.6147% | 3,609 |
| Net interest margin | 2.7924% | 7,343 |
| Noninterest income to average assets | 1.0761% | 1,362 |
| Noninterest expense to average assets | 3.0341% | 3,955 |
| Loan and lease loss provision to assets | 0.0484% | 6,812 |
| Net operating income to assets | 0.4370% | 5,002 |
| Return on assets (ROA) | -1.0903% | 7,222 |
| Pretax return on assets | -1.4967% | 7,251 |
| Return on Equity (ROE) | -12.4158% | 7,455 |
| Retained earnings to average equity (ytd only) | -12.4158% | 7,279 |
| Net charge-offs to loans | 0.0619% | 5,890 |
| Credit loss provision to net charge-offs | 110.9937% | 4,859 |
| Earnings coverage of net charge-offs (x) | 14.7653% | 2,002 |
| Efficiency ratio | 81.6899% | 2,342 |
| Assets per employee ($millions) | 4.0080% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6613% | 7,523 |
| Loan loss allowance to noncurrent loans | 135.3649% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 6,150 |
| Noncurrent loans to loans | 0.4886% | 5,883 |
| Net loans and leases to total assets | 73.5525% | 3,218 |
| Net loans and leases to deposits | 105.4737% | 1,169 |
| Net loans and leases to core deposits | 121.0109% | 2,601 |
| Total domestic deposits to total assets | 69.7354% | 7,306 |
| Equity capital to assets | 7.9481% | 6,908 |
| Core capital (leverage) ratio | 7.1610% | 7,558 |
| Tier 1 risk-based capital ratio | 10.7178% | 5,986 |
| Total risk-based capital ratio | 11.5380% | 6,307 |
| Memoranda: | ||
| Average total assets | $1,084,754,200 | 611 |
| Average earning assets | $1,010,691,800 | 593 |
| Average equity | $95,257,800 | 701 |
| Average total loans | $763,635,000 | 626 |