Home > Orrstown Bank > Performance and Condition Ratios
Orrstown Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4124% | 1,292 |
| Cost of funding earning assets | 1.5574% | 1,793 |
| Net interest margin | 3.8550% | 1,466 |
| Noninterest income to average assets | 0.8500% | 838 |
| Noninterest expense to average assets | 2.6633% | 1,838 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.3237% | 1,386 |
| Return on assets (ROA) | 1.3226% | 1,353 |
| Pretax return on assets | 1.6705% | 1,119 |
| Return on Equity (ROE) | 15.0500% | 1,280 |
| Retained earnings to average equity (ytd only) | 9.7602% | 1,073 |
| Net charge-offs to loans | 0.0259% | 1,799 |
| Credit loss provision to net charge-offs | 289.5009% | 980 |
| Earnings coverage of net charge-offs (x) | 89.5422% | 959 |
| Efficiency ratio | 59.9312% | 3,086 |
| Assets per employee ($millions) | 7.3467% | 1,846 |
| Cash dividends to net income (ytd only)* | 35.1564% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 2,041 |
| Loan loss allowance to noncurrent loans | 112.1479% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 603 |
| Noncurrent loans to loans | 1.1107% | 653 |
| Net loans and leases to total assets | 74.2700% | 1,319 |
| Net loans and leases to deposits | 88.4398% | 1,391 |
| Net loans and leases to core deposits | 91.8861% | 1,910 |
| Total domestic deposits to total assets | 83.9800% | 2,622 |
| Equity capital to assets | 9.2878% | 2,490 |
| Core capital (leverage) ratio | 9.5083% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7574% | 2,318 |
| Memoranda: | ||
| Average total assets | $3,010,992,400 | 395 |
| Average earning assets | $2,769,455,000 | 387 |
| Average equity | $264,563,600 | 436 |
| Average total loans | $2,239,046,800 | 372 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 1,272 |
| Cost of funding earning assets | 1.4306% | 1,789 |
| Net interest margin | 3.8837% | 1,435 |
| Noninterest income to average assets | 0.8600% | 834 |
| Noninterest expense to average assets | 2.6501% | 1,802 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.3675% | 1,388 |
| Return on assets (ROA) | 1.3675% | 1,371 |
| Pretax return on assets | 1.7250% | 1,125 |
| Return on Equity (ROE) | 15.7900% | 1,294 |
| Retained earnings to average equity (ytd only) | 10.1432% | 1,363 |
| Net charge-offs to loans | 0.0352% | 1,387 |
| Credit loss provision to net charge-offs | 215.3322% | 1,072 |
| Earnings coverage of net charge-offs (x) | 68.2283% | 1,129 |
| Efficiency ratio | 59.0845% | 3,077 |
| Assets per employee ($millions) | 7.1022% | 1,878 |
| Cash dividends to net income (ytd only)* | 35.7758% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,142 |
| Loan loss allowance to noncurrent loans | 125.1184% | 3,003 |
| Noncurrent assets plus other real estate owned to assets | 0.7401% | 760 |
| Noncurrent loans to loans | 0.9942% | 815 |
| Net loans and leases to total assets | 73.5100% | 1,405 |
| Net loans and leases to deposits | 87.7210% | 1,412 |
| Net loans and leases to core deposits | 90.7382% | 1,874 |
| Total domestic deposits to total assets | 83.8000% | 2,833 |
| Equity capital to assets | 8.5986% | 2,665 |
| Core capital (leverage) ratio | 9.3403% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5317% | 2,438 |
| Memoranda: | ||
| Average total assets | $2,997,845,250 | 400 |
| Average earning assets | $2,756,470,000 | 390 |
| Average equity | $259,569,500 | 438 |
| Average total loans | $2,222,776,250 | 372 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 1,223 |
| Cost of funding earning assets | 1.2812% | 1,761 |
| Net interest margin | 3.9106% | 1,405 |
| Noninterest income to average assets | 0.8800% | 722 |
| Noninterest expense to average assets | 2.6463% | 1,803 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.4032% | 1,321 |
| Return on assets (ROA) | 1.4032% | 1,303 |
| Pretax return on assets | 1.7580% | 1,098 |
| Return on Equity (ROE) | 16.1700% | 1,235 |
| Retained earnings to average equity (ytd only) | 9.9791% | 1,408 |
| Net charge-offs to loans | 0.0314% | 1,262 |
| Credit loss provision to net charge-offs | 326.0116% | 818 |
| Earnings coverage of net charge-offs (x) | 78.9451% | 1,059 |
| Efficiency ratio | 58.3355% | 3,157 |
| Assets per employee ($millions) | 7.1269% | 1,828 |
| Cash dividends to net income (ytd only)* | 38.2757% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 2,089 |
| Loan loss allowance to noncurrent loans | 131.3967% | 3,044 |
| Noncurrent assets plus other real estate owned to assets | 0.7428% | 688 |
| Noncurrent loans to loans | 0.9640% | 782 |
| Net loans and leases to total assets | 73.5600% | 1,342 |
| Net loans and leases to deposits | 87.1952% | 1,410 |
| Net loans and leases to core deposits | 89.4624% | 1,830 |
| Total domestic deposits to total assets | 84.3700% | 2,735 |
| Equity capital to assets | 8.8410% | 2,629 |
| Core capital (leverage) ratio | 9.2731% | 3,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5199% | 2,454 |
| Memoranda: | ||
| Average total assets | $2,979,142,000 | 390 |
| Average earning assets | $2,741,873,667 | 382 |
| Average equity | $258,560,000 | 430 |
| Average total loans | $2,205,940,333 | 361 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0221% | 1,190 |
| Cost of funding earning assets | 1.1015% | 1,749 |
| Net interest margin | 3.9206% | 1,434 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.6052% | 1,941 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 1.3688% | 1,492 |
| Return on assets (ROA) | 1.3688% | 1,460 |
| Pretax return on assets | 1.7054% | 1,263 |
| Return on Equity (ROE) | 15.9200% | 1,374 |
| Retained earnings to average equity (ytd only) | 9.6449% | 1,782 |
| Net charge-offs to loans | -0.0062% | 3,702 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.3244% | 3,160 |
| Assets per employee ($millions) | 7.2728% | 1,765 |
| Cash dividends to net income (ytd only)* | 39.4244% | 1,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 2,126 |
| Loan loss allowance to noncurrent loans | 133.3271% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 620 |
| Noncurrent loans to loans | 0.9605% | 777 |
| Net loans and leases to total assets | 72.6200% | 1,360 |
| Net loans and leases to deposits | 86.4293% | 1,320 |
| Net loans and leases to core deposits | 88.4981% | 1,710 |
| Total domestic deposits to total assets | 84.0200% | 3,090 |
| Equity capital to assets | 8.6523% | 2,780 |
| Core capital (leverage) ratio | 9.2162% | 3,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3680% | 2,613 |
| Memoranda: | ||
| Average total assets | $2,964,936,500 | 404 |
| Average earning assets | $2,730,090,000 | 393 |
| Average equity | $254,890,500 | 445 |
| Average total loans | $2,188,477,000 | 374 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1150% | 1,442 |
| Cost of funding earning assets | 0.2668% | 3,188 |
| Net interest margin | 3.8482% | 1,067 |
| Noninterest income to average assets | 0.9500% | 711 |
| Noninterest expense to average assets | 2.7946% | 1,325 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 1.2623% | 1,560 |
| Return on assets (ROA) | 1.2584% | 1,519 |
| Pretax return on assets | 1.5482% | 1,300 |
| Return on Equity (ROE) | 13.5900% | 1,629 |
| Retained earnings to average equity (ytd only) | 3.4114% | 3,589 |
| Net charge-offs to loans | 0.0079% | 2,097 |
| Credit loss provision to net charge-offs | 2,567.9012% | 212 |
| Earnings coverage of net charge-offs (x) | 300.3457% | 488 |
| Efficiency ratio | 61.3423% | 2,868 |
| Assets per employee ($millions) | 7.0848% | 1,905 |
| Cash dividends to net income (ytd only)* | 74.8918% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 2,551 |
| Loan loss allowance to noncurrent loans | 119.7698% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 603 |
| Noncurrent loans to loans | 0.9723% | 759 |
| Net loans and leases to total assets | 73.2100% | 1,290 |
| Net loans and leases to deposits | 85.6420% | 1,343 |
| Net loans and leases to core deposits | 86.9493% | 1,685 |
| Total domestic deposits to total assets | 85.4800% | 2,862 |
| Equity capital to assets | 8.5396% | 2,683 |
| Core capital (leverage) ratio | 9.1593% | 3,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2754% | 2,656 |
| Memoranda: | ||
| Average total assets | $2,864,989,200 | 408 |
| Average earning assets | $2,640,401,200 | 396 |
| Average equity | $265,342,000 | 423 |
| Average total loans | $2,052,046,200 | 372 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 1,530 |
| Cost of funding earning assets | 0.1479% | 3,866 |
| Net interest margin | 3.7336% | 1,064 |
| Noninterest income to average assets | 0.9900% | 677 |
| Noninterest expense to average assets | 2.7943% | 1,261 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.1990% | 1,694 |
| Return on assets (ROA) | 1.1934% | 1,694 |
| Pretax return on assets | 1.4647% | 1,518 |
| Return on Equity (ROE) | 12.6300% | 1,827 |
| Retained earnings to average equity (ytd only) | 7.6837% | 2,120 |
| Net charge-offs to loans | 0.0030% | 2,127 |
| Credit loss provision to net charge-offs | 7,771.7391% | 72 |
| Earnings coverage of net charge-offs (x) | 761.9348% | 216 |
| Efficiency ratio | 62.1411% | 2,812 |
| Assets per employee ($millions) | 6.7661% | 2,121 |
| Cash dividends to net income (ytd only)* | 39.1803% | 1,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,648 |
| Loan loss allowance to noncurrent loans | 446.3331% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 2,235 |
| Noncurrent loans to loans | 0.2639% | 2,316 |
| Net loans and leases to total assets | 72.7900% | 1,202 |
| Net loans and leases to deposits | 82.1214% | 1,439 |
| Net loans and leases to core deposits | 83.3533% | 1,700 |
| Total domestic deposits to total assets | 88.6300% | 2,240 |
| Equity capital to assets | 8.8530% | 2,318 |
| Core capital (leverage) ratio | 9.6340% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9050% | 2,511 |
| Memoranda: | ||
| Average total assets | $2,851,501,250 | 410 |
| Average earning assets | $2,629,781,500 | 400 |
| Average equity | $269,361,250 | 417 |
| Average total loans | $2,024,529,750 | 373 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7275% | 1,478 |
| Cost of funding earning assets | 0.1111% | 4,067 |
| Net interest margin | 3.6165% | 1,043 |
| Noninterest income to average assets | 1.0467% | 605 |
| Noninterest expense to average assets | 2.5861% | 1,681 |
| Loan and lease loss provision to assets | 0.1455% | 656 |
| Net operating income to assets | 1.3485% | 1,027 |
| Return on assets (ROA) | 1.3400% | 1,027 |
| Pretax return on assets | 1.6474% | 853 |
| Return on Equity (ROE) | 13.8952% | 1,139 |
| Retained earnings to average equity (ytd only) | 10.9870% | 786 |
| Net charge-offs to loans | -0.0024% | 3,168 |
| Credit loss provision to net charge-offs | -8,645.8333% | 3,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0011% | 3,558 |
| Assets per employee ($millions) | 6.5818% | 2,254 |
| Cash dividends to net income (ytd only)* | 20.9293% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 2,929 |
| Loan loss allowance to noncurrent loans | 407.7597% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 2,250 |
| Noncurrent loans to loans | 0.2819% | 2,335 |
| Net loans and leases to total assets | 70.9091% | 1,211 |
| Net loans and leases to deposits | 80.3814% | 1,355 |
| Net loans and leases to core deposits | 81.7098% | 1,609 |
| Total domestic deposits to total assets | 88.2158% | 2,493 |
| Equity capital to assets | 9.4160% | 2,084 |
| Core capital (leverage) ratio | 9.4996% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3090% | 2,372 |
| Memoranda: | ||
| Average total assets | $2,852,487,000 | 403 |
| Average earning assets | $2,636,609,000 | 401 |
| Average equity | $275,087,667 | 414 |
| Average total loans | $2,000,005,667 | 369 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5848% | 1,548 |
| Cost of funding earning assets | 0.1083% | 4,039 |
| Net interest margin | 3.4765% | 1,134 |
| Noninterest income to average assets | 1.0672% | 597 |
| Noninterest expense to average assets | 2.5987% | 1,605 |
| Loan and lease loss provision to assets | 0.0419% | 1,602 |
| Net operating income to assets | 1.3232% | 953 |
| Return on assets (ROA) | 1.3066% | 981 |
| Pretax return on assets | 1.6247% | 793 |
| Return on Equity (ROE) | 13.3931% | 956 |
| Retained earnings to average equity (ytd only) | 13.3931% | 432 |
| Net charge-offs to loans | -0.0056% | 3,376 |
| Credit loss provision to net charge-offs | -1,071.4286% | 3,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6810% | 3,519 |
| Assets per employee ($millions) | 7.0385% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,403 |
| Loan loss allowance to noncurrent loans | 374.1823% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 2,380 |
| Noncurrent loans to loans | 0.2895% | 2,435 |
| Net loans and leases to total assets | 67.7341% | 1,240 |
| Net loans and leases to deposits | 76.6422% | 1,391 |
| Net loans and leases to core deposits | 78.0037% | 1,612 |
| Total domestic deposits to total assets | 88.3770% | 2,341 |
| Equity capital to assets | 9.4769% | 2,304 |
| Core capital (leverage) ratio | 9.4648% | 2,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7608% | 2,321 |
| Memoranda: | ||
| Average total assets | $2,866,941,500 | 401 |
| Average earning assets | $2,654,512,000 | 401 |
| Average equity | $279,697,000 | 418 |
| Average total loans | $1,987,282,000 | 366 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 2,552 |
| Cost of funding earning assets | 0.1789% | 3,671 |
| Net interest margin | 3.3575% | 2,143 |
| Noninterest income to average assets | 0.9941% | 1,014 |
| Noninterest expense to average assets | 2.5109% | 2,149 |
| Loan and lease loss provision to assets | 0.0380% | 2,283 |
| Net operating income to assets | 1.2437% | 1,764 |
| Return on assets (ROA) | 1.2607% | 1,766 |
| Pretax return on assets | 1.5705% | 1,505 |
| Return on Equity (ROE) | 13.0806% | 1,435 |
| Retained earnings to average equity (ytd only) | 7.2876% | 1,813 |
| Net charge-offs to loans | 0.0031% | 2,507 |
| Credit loss provision to net charge-offs | 1,786.8852% | 338 |
| Earnings coverage of net charge-offs (x) | 745.6721% | 195 |
| Efficiency ratio | 60.1834% | 3,119 |
| Assets per employee ($millions) | 6.7316% | 2,126 |
| Cash dividends to net income (ytd only)* | 44.2870% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0649% | 3,499 |
| Loan loss allowance to noncurrent loans | 276.8627% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 2,134 |
| Noncurrent loans to loans | 0.3846% | 2,211 |
| Net loans and leases to total assets | 69.4307% | 1,107 |
| Net loans and leases to deposits | 79.1621% | 1,287 |
| Net loans and leases to core deposits | 80.6224% | 1,546 |
| Total domestic deposits to total assets | 87.7069% | 2,190 |
| Equity capital to assets | 10.0415% | 2,619 |
| Core capital (leverage) ratio | 8.9454% | 3,454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0359% | 2,235 |
| Memoranda: | ||
| Average total assets | $2,865,738,000 | 388 |
| Average earning assets | $2,649,377,000 | 387 |
| Average equity | $276,196,000 | 417 |
| Average total loans | $1,987,279,800 | 367 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5041% | 2,831 |
| Cost of funding earning assets | 0.1966% | 3,635 |
| Net interest margin | 3.3075% | 2,398 |
| Noninterest income to average assets | 0.9840% | 1,099 |
| Noninterest expense to average assets | 2.4197% | 2,376 |
| Loan and lease loss provision to assets | -0.0005% | 4,281 |
| Net operating income to assets | 1.3066% | 1,806 |
| Return on assets (ROA) | 1.3295% | 1,792 |
| Pretax return on assets | 1.6487% | 1,554 |
| Return on Equity (ROE) | 13.9386% | 1,409 |
| Retained earnings to average equity (ytd only) | 8.1014% | 2,023 |
| Net charge-offs to loans | 0.0118% | 1,890 |
| Credit loss provision to net charge-offs | -5.6818% | 3,046 |
| Earnings coverage of net charge-offs (x) | 198.3807% | 555 |
| Efficiency ratio | 58.7823% | 3,157 |
| Assets per employee ($millions) | 6.8324% | 1,997 |
| Cash dividends to net income (ytd only)* | 41.8775% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,752 |
| Loan loss allowance to noncurrent loans | 210.6457% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 1,972 |
| Noncurrent loans to loans | 0.4870% | 2,093 |
| Net loans and leases to total assets | 67.1249% | 1,416 |
| Net loans and leases to deposits | 76.3902% | 1,634 |
| Net loans and leases to core deposits | 78.0290% | 1,893 |
| Total domestic deposits to total assets | 87.8710% | 1,920 |
| Equity capital to assets | 9.8382% | 3,074 |
| Core capital (leverage) ratio | 8.7199% | 3,836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6638% | 2,099 |
| Memoranda: | ||
| Average total assets | $2,873,669,500 | 392 |
| Average earning assets | $2,654,857,500 | 388 |
| Average equity | $274,101,000 | 421 |
| Average total loans | $1,986,886,250 | 368 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 2,684 |
| Cost of funding earning assets | 0.2136% | 3,618 |
| Net interest margin | 3.3670% | 2,250 |
| Noninterest income to average assets | 0.9770% | 1,112 |
| Noninterest expense to average assets | 2.3394% | 2,648 |
| Loan and lease loss provision to assets | -0.0261% | 4,453 |
| Net operating income to assets | 1.4310% | 1,482 |
| Return on assets (ROA) | 1.4382% | 1,522 |
| Pretax return on assets | 1.7854% | 1,269 |
| Return on Equity (ROE) | 15.2379% | 1,098 |
| Retained earnings to average equity (ytd only) | 9.3417% | 1,604 |
| Net charge-offs to loans | 0.0395% | 1,237 |
| Credit loss provision to net charge-offs | -94.9367% | 3,052 |
| Earnings coverage of net charge-offs (x) | 63.7013% | 947 |
| Efficiency ratio | 56.0817% | 3,529 |
| Assets per employee ($millions) | 6.9839% | 1,824 |
| Cash dividends to net income (ytd only)* | 38.6941% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 3,846 |
| Loan loss allowance to noncurrent loans | 190.8894% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 2,068 |
| Noncurrent loans to loans | 0.5197% | 2,115 |
| Net loans and leases to total assets | 66.4116% | 1,647 |
| Net loans and leases to deposits | 77.0192% | 1,729 |
| Net loans and leases to core deposits | 78.9871% | 1,963 |
| Total domestic deposits to total assets | 86.2273% | 2,655 |
| Equity capital to assets | 9.6231% | 3,224 |
| Core capital (leverage) ratio | 8.5088% | 3,969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6451% | 2,105 |
| Memoranda: | ||
| Average total assets | $2,875,028,000 | 390 |
| Average earning assets | $2,657,951,333 | 382 |
| Average equity | $271,363,000 | 423 |
| Average total loans | $2,000,456,333 | 366 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6254% | 2,559 |
| Cost of funding earning assets | 0.2397% | 3,562 |
| Net interest margin | 3.3857% | 2,150 |
| Noninterest income to average assets | 1.0333% | 1,080 |
| Noninterest expense to average assets | 2.3817% | 2,551 |
| Loan and lease loss provision to assets | -0.1400% | 4,767 |
| Net operating income to assets | 1.5509% | 1,215 |
| Return on assets (ROA) | 1.5655% | 1,249 |
| Pretax return on assets | 1.9389% | 1,052 |
| Return on Equity (ROE) | 16.7527% | 888 |
| Retained earnings to average equity (ytd only) | 10.7583% | 1,457 |
| Net charge-offs to loans | 0.0364% | 1,110 |
| Credit loss provision to net charge-offs | -543.4783% | 3,199 |
| Earnings coverage of net charge-offs (x) | 69.1196% | 759 |
| Efficiency ratio | 56.0889% | 3,536 |
| Assets per employee ($millions) | 7.1919% | 1,658 |
| Cash dividends to net income (ytd only)* | 35.7814% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9223% | 4,094 |
| Loan loss allowance to noncurrent loans | 187.9596% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3767% | 2,294 |
| Noncurrent loans to loans | 0.4907% | 2,381 |
| Net loans and leases to total assets | 68.7636% | 1,436 |
| Net loans and leases to deposits | 79.5005% | 1,569 |
| Net loans and leases to core deposits | 81.6250% | 1,870 |
| Total domestic deposits to total assets | 86.4945% | 2,526 |
| Equity capital to assets | 9.1289% | 3,565 |
| Core capital (leverage) ratio | 8.6485% | 3,966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3127% | 1,811 |
| Memoranda: | ||
| Average total assets | $2,856,399,500 | 389 |
| Average earning assets | $2,640,184,500 | 386 |
| Average equity | $266,918,500 | 422 |
| Average total loans | $2,023,947,000 | 361 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1664% | 2,239 |
| Cost of funding earning assets | 0.5894% | 2,390 |
| Net interest margin | 3.5770% | 2,226 |
| Noninterest income to average assets | 1.0751% | 924 |
| Noninterest expense to average assets | 2.6943% | 2,256 |
| Loan and lease loss provision to assets | 0.2037% | 1,928 |
| Net operating income to assets | 1.1750% | 1,633 |
| Return on assets (ROA) | 1.1750% | 1,746 |
| Pretax return on assets | 1.4494% | 1,511 |
| Return on Equity (ROE) | 12.4488% | 1,196 |
| Retained earnings to average equity (ytd only) | 6.7744% | 1,474 |
| Net charge-offs to loans | -0.0091% | 4,243 |
| Credit loss provision to net charge-offs | -3,114.0351% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6135% | 3,372 |
| Assets per employee ($millions) | 6.7396% | 1,751 |
| Cash dividends to net income (ytd only)* | 45.5818% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,824 |
| Loan loss allowance to noncurrent loans | 185.4842% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.4341% | 2,280 |
| Noncurrent loans to loans | 0.5455% | 2,345 |
| Net loans and leases to total assets | 71.6894% | 1,335 |
| Net loans and leases to deposits | 83.1465% | 1,530 |
| Net loans and leases to core deposits | 85.4140% | 1,914 |
| Total domestic deposits to total assets | 86.2205% | 2,266 |
| Equity capital to assets | 9.5770% | 3,536 |
| Core capital (leverage) ratio | 8.6798% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7092% | 1,966 |
| Memoranda: | ||
| Average total assets | $2,613,878,600 | 384 |
| Average earning assets | $2,391,278,200 | 380 |
| Average equity | $246,721,600 | 423 |
| Average total loans | $1,881,465,000 | 368 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 2,537 |
| Cost of funding earning assets | 0.6730% | 2,184 |
| Net interest margin | 3.4717% | 2,685 |
| Noninterest income to average assets | 1.0842% | 884 |
| Noninterest expense to average assets | 2.7456% | 2,132 |
| Loan and lease loss provision to assets | 0.2597% | 1,560 |
| Net operating income to assets | 1.0181% | 2,268 |
| Return on assets (ROA) | 1.0181% | 2,397 |
| Pretax return on assets | 1.2479% | 2,233 |
| Return on Equity (ROE) | 10.8284% | 1,739 |
| Retained earnings to average equity (ytd only) | 5.3317% | 2,413 |
| Net charge-offs to loans | -0.0032% | 3,961 |
| Credit loss provision to net charge-offs | -11,166.6667% | 4,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0951% | 2,901 |
| Assets per employee ($millions) | 6.7664% | 1,644 |
| Cash dividends to net income (ytd only)* | 50.7614% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 3,827 |
| Loan loss allowance to noncurrent loans | 234.2915% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 2,730 |
| Noncurrent loans to loans | 0.4122% | 2,818 |
| Net loans and leases to total assets | 72.7420% | 1,550 |
| Net loans and leases to deposits | 88.2409% | 1,455 |
| Net loans and leases to core deposits | 90.8625% | 1,898 |
| Total domestic deposits to total assets | 82.4358% | 3,303 |
| Equity capital to assets | 9.0446% | 4,085 |
| Core capital (leverage) ratio | 8.5005% | 4,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2862% | 2,071 |
| Memoranda: | ||
| Average total assets | $2,579,912,500 | 379 |
| Average earning assets | $2,354,930,250 | 376 |
| Average equity | $242,566,000 | 419 |
| Average total loans | $1,853,975,250 | 368 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2859% | 2,511 |
| Cost of funding earning assets | 0.7854% | 1,901 |
| Net interest margin | 3.5005% | 2,782 |
| Noninterest income to average assets | 1.1256% | 783 |
| Noninterest expense to average assets | 2.7513% | 2,209 |
| Loan and lease loss provision to assets | 0.2248% | 1,860 |
| Net operating income to assets | 1.0977% | 1,974 |
| Return on assets (ROA) | 1.0977% | 2,092 |
| Pretax return on assets | 1.3340% | 1,922 |
| Return on Equity (ROE) | 11.5136% | 1,475 |
| Retained earnings to average equity (ytd only) | 6.5048% | 1,860 |
| Net charge-offs to loans | -0.0041% | 3,956 |
| Credit loss provision to net charge-offs | -7,635.1351% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2724% | 3,078 |
| Assets per employee ($millions) | 6.4148% | 1,850 |
| Cash dividends to net income (ytd only)* | 43.5035% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8524% | 4,184 |
| Loan loss allowance to noncurrent loans | 210.7182% | 2,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4691% | 2,443 |
| Noncurrent loans to loans | 0.4045% | 2,955 |
| Net loans and leases to total assets | 73.5205% | 1,470 |
| Net loans and leases to deposits | 90.0504% | 1,349 |
| Net loans and leases to core deposits | 92.7521% | 1,839 |
| Total domestic deposits to total assets | 81.6437% | 3,462 |
| Equity capital to assets | 8.8481% | 4,214 |
| Core capital (leverage) ratio | 8.3760% | 4,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8739% | 2,231 |
| Memoranda: | ||
| Average total assets | $2,512,886,667 | 383 |
| Average earning assets | $2,286,041,667 | 378 |
| Average equity | $239,578,000 | 420 |
| Average total loans | $1,791,075,667 | 374 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4473% | 2,452 |
| Cost of funding earning assets | 0.9722% | 1,550 |
| Net interest margin | 3.4752% | 3,065 |
| Noninterest income to average assets | 1.1822% | 627 |
| Noninterest expense to average assets | 2.9315% | 2,046 |
| Loan and lease loss provision to assets | 0.1552% | 1,851 |
| Net operating income to assets | 1.0189% | 2,117 |
| Return on assets (ROA) | 1.0189% | 2,218 |
| Pretax return on assets | 1.2381% | 2,074 |
| Return on Equity (ROE) | 10.2581% | 1,655 |
| Retained earnings to average equity (ytd only) | 6.8793% | 1,583 |
| Net charge-offs to loans | -0.0538% | 4,659 |
| Credit loss provision to net charge-offs | -414.7982% | 3,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0303% | 2,957 |
| Assets per employee ($millions) | 5.5875% | 2,035 |
| Cash dividends to net income (ytd only)* | 32.9381% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9492% | 3,934 |
| Loan loss allowance to noncurrent loans | 159.2884% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6427% | 2,076 |
| Noncurrent loans to loans | 0.5959% | 2,508 |
| Net loans and leases to total assets | 69.1179% | 2,381 |
| Net loans and leases to deposits | 86.4580% | 1,937 |
| Net loans and leases to core deposits | 89.7380% | 2,373 |
| Total domestic deposits to total assets | 79.9439% | 3,876 |
| Equity capital to assets | 9.7029% | 4,038 |
| Core capital (leverage) ratio | 9.4297% | 4,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4122% | 2,526 |
| Memoranda: | ||
| Average total assets | $2,383,733,500 | 387 |
| Average earning assets | $2,155,631,500 | 389 |
| Average equity | $236,768,000 | 429 |
| Average total loans | $1,659,158,000 | 389 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 2,456 |
| Cost of funding earning assets | 1.0997% | 1,328 |
| Net interest margin | 3.5554% | 3,270 |
| Noninterest income to average assets | 1.0589% | 846 |
| Noninterest expense to average assets | 3.3075% | 1,281 |
| Loan and lease loss provision to assets | 0.0409% | 3,194 |
| Net operating income to assets | 0.7943% | 3,572 |
| Return on assets (ROA) | 0.9771% | 2,999 |
| Pretax return on assets | 1.1555% | 2,995 |
| Return on Equity (ROE) | 10.0221% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.0892% | 687 |
| Net charge-offs to loans | 0.0175% | 3,084 |
| Credit loss provision to net charge-offs | 347.4903% | 806 |
| Earnings coverage of net charge-offs (x) | 83.3205% | 769 |
| Efficiency ratio | 75.5058% | 1,420 |
| Assets per employee ($millions) | 5.3280% | 2,219 |
| Cash dividends to net income (ytd only)* | 9.3088% | 3,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 4,022 |
| Loan loss allowance to noncurrent loans | 113.7016% | 3,067 |
| Noncurrent assets plus other real estate owned to assets | 0.7685% | 1,685 |
| Noncurrent loans to loans | 0.7795% | 1,949 |
| Net loans and leases to total assets | 68.8107% | 2,568 |
| Net loans and leases to deposits | 86.8396% | 1,988 |
| Net loans and leases to core deposits | 90.9947% | 2,324 |
| Total domestic deposits to total assets | 79.2389% | 4,139 |
| Equity capital to assets | 10.1629% | 3,771 |
| Core capital (leverage) ratio | 9.4163% | 4,148 |
| Tier 1 risk-based capital ratio | 12.4708% | 4,084 |
| Total risk-based capital ratio | 13.3772% | 4,174 |
| Memoranda: | ||
| Average total assets | $2,198,878,600 | 393 |
| Average earning assets | $1,997,672,000 | 391 |
| Average equity | $214,376,400 | 452 |
| Average total loans | $1,476,865,600 | 411 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6725% | 2,496 |
| Cost of funding earning assets | 1.1084% | 1,314 |
| Net interest margin | 3.5641% | 3,356 |
| Noninterest income to average assets | 1.0393% | 858 |
| Noninterest expense to average assets | 3.3374% | 1,200 |
| Loan and lease loss provision to assets | 0.0557% | 2,796 |
| Net operating income to assets | 0.7621% | 3,804 |
| Return on assets (ROA) | 1.0138% | 3,011 |
| Pretax return on assets | 1.1786% | 3,050 |
| Return on Equity (ROE) | 10.5226% | 2,200 |
| Retained earnings to average equity (ytd only) | 9.2372% | 978 |
| Net charge-offs to loans | 0.0098% | 3,022 |
| Credit loss provision to net charge-offs | 857.1429% | 413 |
| Earnings coverage of net charge-offs (x) | 144.8154% | 554 |
| Efficiency ratio | 76.4641% | 1,276 |
| Assets per employee ($millions) | 5.2294% | 2,304 |
| Cash dividends to net income (ytd only)* | 12.2152% | 3,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 3,945 |
| Loan loss allowance to noncurrent loans | 143.9864% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 2,580 |
| Noncurrent loans to loans | 0.6425% | 2,354 |
| Net loans and leases to total assets | 68.6123% | 2,691 |
| Net loans and leases to deposits | 81.8675% | 2,701 |
| Net loans and leases to core deposits | 86.5874% | 2,859 |
| Total domestic deposits to total assets | 83.8090% | 2,890 |
| Equity capital to assets | 10.3869% | 3,648 |
| Core capital (leverage) ratio | 8.9087% | 4,703 |
| Tier 1 risk-based capital ratio | 12.6808% | 4,038 |
| Total risk-based capital ratio | 13.6470% | 4,079 |
| Memoranda: | ||
| Average total assets | $2,153,192,250 | 402 |
| Average earning assets | $1,957,201,500 | 405 |
| Average equity | $207,460,250 | 462 |
| Average total loans | $1,432,715,000 | 424 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5900% | 2,705 |
| Cost of funding earning assets | 1.0413% | 1,528 |
| Net interest margin | 3.5487% | 3,439 |
| Noninterest income to average assets | 0.9871% | 892 |
| Noninterest expense to average assets | 3.4519% | 1,021 |
| Loan and lease loss provision to assets | 0.0571% | 2,684 |
| Net operating income to assets | 0.6299% | 4,220 |
| Return on assets (ROA) | 0.8321% | 3,598 |
| Pretax return on assets | 0.9394% | 3,746 |
| Return on Equity (ROE) | 8.8908% | 2,900 |
| Retained earnings to average equity (ytd only) | 6.8560% | 1,873 |
| Net charge-offs to loans | 0.0224% | 2,399 |
| Credit loss provision to net charge-offs | 389.6104% | 733 |
| Earnings coverage of net charge-offs (x) | 52.4675% | 1,059 |
| Efficiency ratio | 80.4547% | 930 |
| Assets per employee ($millions) | 5.4741% | 1,991 |
| Cash dividends to net income (ytd only)* | 22.8859% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8988% | 4,097 |
| Loan loss allowance to noncurrent loans | 239.0873% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3109% | 3,294 |
| Noncurrent loans to loans | 0.3759% | 3,178 |
| Net loans and leases to total assets | 66.4964% | 3,041 |
| Net loans and leases to deposits | 78.4006% | 3,125 |
| Net loans and leases to core deposits | 86.6948% | 2,907 |
| Total domestic deposits to total assets | 84.8162% | 2,556 |
| Equity capital to assets | 9.7254% | 4,213 |
| Core capital (leverage) ratio | 8.5850% | 4,920 |
| Tier 1 risk-based capital ratio | 12.0846% | 4,374 |
| Total risk-based capital ratio | 13.0189% | 4,435 |
| Memoranda: | ||
| Average total assets | $2,100,456,000 | 409 |
| Average earning assets | $1,914,283,000 | 411 |
| Average equity | $196,586,330 | 480 |
| Average total loans | $1,376,715,000 | 433 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 3,273 |
| Cost of funding earning assets | 0.9967% | 1,577 |
| Net interest margin | 3.3924% | 3,909 |
| Noninterest income to average assets | 0.9681% | 884 |
| Noninterest expense to average assets | 3.0873% | 1,757 |
| Loan and lease loss provision to assets | 0.0820% | 2,060 |
| Net operating income to assets | 0.7985% | 3,627 |
| Return on assets (ROA) | 0.8601% | 3,453 |
| Pretax return on assets | 0.9673% | 3,558 |
| Return on Equity (ROE) | 9.4162% | 2,624 |
| Retained earnings to average equity (ytd only) | 4.9291% | 2,935 |
| Net charge-offs to loans | 0.0416% | 1,679 |
| Credit loss provision to net charge-offs | 305.3435% | 811 |
| Earnings coverage of net charge-offs (x) | 36.5038% | 1,209 |
| Efficiency ratio | 74.9232% | 1,620 |
| Assets per employee ($millions) | 5.2152% | 2,267 |
| Cash dividends to net income (ytd only)* | 47.6531% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 2,993 |
| Loan loss allowance to noncurrent loans | 283.5054% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 3,283 |
| Noncurrent loans to loans | 0.3966% | 3,169 |
| Net loans and leases to total assets | 63.7152% | 3,324 |
| Net loans and leases to deposits | 76.1581% | 3,246 |
| Net loans and leases to core deposits | 85.5055% | 2,913 |
| Total domestic deposits to total assets | 83.6618% | 3,166 |
| Equity capital to assets | 9.1957% | 4,538 |
| Core capital (leverage) ratio | 8.6496% | 4,916 |
| Tier 1 risk-based capital ratio | 12.1172% | 4,400 |
| Total risk-based capital ratio | 13.2368% | 4,357 |
| Memoranda: | ||
| Average total assets | $1,951,850,000 | 440 |
| Average earning assets | $1,783,172,500 | 441 |
| Average equity | $178,288,500 | 514 |
| Average total loans | $1,260,661,500 | 477 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1612% | 3,549 |
| Cost of funding earning assets | 0.8563% | 1,275 |
| Net interest margin | 3.3049% | 4,244 |
| Noninterest income to average assets | 1.1928% | 645 |
| Noninterest expense to average assets | 3.1731% | 1,621 |
| Loan and lease loss provision to assets | 0.0472% | 3,242 |
| Net operating income to assets | 0.8738% | 3,523 |
| Return on assets (ROA) | 0.9219% | 3,348 |
| Pretax return on assets | 1.0635% | 3,398 |
| Return on Equity (ROE) | 10.6036% | 2,245 |
| Retained earnings to average equity (ytd only) | 7.5864% | 1,421 |
| Net charge-offs to loans | -0.0382% | 4,886 |
| Credit loss provision to net charge-offs | -191.3876% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7240% | 1,534 |
| Assets per employee ($millions) | 5.1806% | 2,290 |
| Cash dividends to net income (ytd only)* | 28.4545% | 3,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 2,979 |
| Loan loss allowance to noncurrent loans | 268.3646% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2770% | 3,476 |
| Noncurrent loans to loans | 0.4174% | 3,040 |
| Net loans and leases to total assets | 64.0141% | 3,355 |
| Net loans and leases to deposits | 77.9255% | 3,171 |
| Net loans and leases to core deposits | 87.1529% | 2,822 |
| Total domestic deposits to total assets | 82.1477% | 3,605 |
| Equity capital to assets | 9.0718% | 4,521 |
| Core capital (leverage) ratio | 8.5599% | 4,985 |
| Tier 1 risk-based capital ratio | 12.2514% | 4,265 |
| Total risk-based capital ratio | 13.3806% | 4,225 |
| Memoranda: | ||
| Average total assets | $1,696,349,400 | 484 |
| Average earning assets | $1,558,131,800 | 477 |
| Average equity | $147,488,000 | 584 |
| Average total loans | $1,094,791,000 | 521 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0561% | 3,770 |
| Cost of funding earning assets | 0.8043% | 1,314 |
| Net interest margin | 3.2518% | 4,398 |
| Noninterest income to average assets | 1.2503% | 616 |
| Noninterest expense to average assets | 3.0427% | 1,892 |
| Loan and lease loss provision to assets | 0.0489% | 3,016 |
| Net operating income to assets | 1.0056% | 3,056 |
| Return on assets (ROA) | 1.0637% | 2,824 |
| Pretax return on assets | 1.2172% | 2,925 |
| Return on Equity (ROE) | 12.3933% | 1,642 |
| Retained earnings to average equity (ytd only) | 9.3573% | 1,093 |
| Net charge-offs to loans | -0.0525% | 4,945 |
| Credit loss provision to net charge-offs | -144.2308% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6732% | 1,940 |
| Assets per employee ($millions) | 5.0841% | 2,359 |
| Cash dividends to net income (ytd only)* | 24.4967% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2675% | 2,272 |
| Loan loss allowance to noncurrent loans | 253.0597% | 1,852 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 3,337 |
| Noncurrent loans to loans | 0.5009% | 2,887 |
| Net loans and leases to total assets | 62.6091% | 3,584 |
| Net loans and leases to deposits | 75.1991% | 3,488 |
| Net loans and leases to core deposits | 84.9608% | 3,084 |
| Total domestic deposits to total assets | 83.2578% | 3,216 |
| Equity capital to assets | 8.2649% | 5,050 |
| Core capital (leverage) ratio | 8.6790% | 4,971 |
| Tier 1 risk-based capital ratio | 12.0148% | 4,497 |
| Total risk-based capital ratio | 13.2180% | 4,402 |
| Memoranda: | ||
| Average total assets | $1,637,346,500 | 494 |
| Average earning assets | $1,506,322,500 | 491 |
| Average equity | $140,535,250 | 615 |
| Average total loans | $1,055,739,500 | 531 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9989% | 3,790 |
| Cost of funding earning assets | 0.7516% | 1,363 |
| Net interest margin | 3.2474% | 4,388 |
| Noninterest income to average assets | 1.2476% | 621 |
| Noninterest expense to average assets | 3.0937% | 1,804 |
| Loan and lease loss provision to assets | 0.0497% | 2,919 |
| Net operating income to assets | 0.9651% | 3,169 |
| Return on assets (ROA) | 1.0520% | 2,788 |
| Pretax return on assets | 1.1871% | 2,985 |
| Return on Equity (ROE) | 12.0967% | 1,688 |
| Retained earnings to average equity (ytd only) | 9.0975% | 1,181 |
| Net charge-offs to loans | -0.0462% | 4,894 |
| Credit loss provision to net charge-offs | -165.9751% | 4,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0319% | 1,845 |
| Assets per employee ($millions) | 4.9160% | 2,530 |
| Cash dividends to net income (ytd only)* | 24.7934% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2565% | 2,396 |
| Loan loss allowance to noncurrent loans | 268.8475% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3284% | 3,449 |
| Noncurrent loans to loans | 0.4674% | 3,034 |
| Net loans and leases to total assets | 64.3099% | 3,366 |
| Net loans and leases to deposits | 79.5146% | 2,999 |
| Net loans and leases to core deposits | 88.7234% | 2,665 |
| Total domestic deposits to total assets | 80.8781% | 4,029 |
| Equity capital to assets | 8.6063% | 4,869 |
| Core capital (leverage) ratio | 8.6847% | 4,969 |
| Tier 1 risk-based capital ratio | 11.9181% | 4,549 |
| Total risk-based capital ratio | 13.1213% | 4,457 |
| Memoranda: | ||
| Average total assets | $1,610,318,330 | 502 |
| Average earning assets | $1,480,345,000 | 498 |
| Average equity | $140,038,330 | 613 |
| Average total loans | $1,044,417,330 | 536 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,937 |
| Cost of funding earning assets | 0.7074% | 1,396 |
| Net interest margin | 3.1884% | 4,506 |
| Noninterest income to average assets | 1.1901% | 646 |
| Noninterest expense to average assets | 3.1107% | 1,792 |
| Loan and lease loss provision to assets | 0.0502% | 2,773 |
| Net operating income to assets | 0.8371% | 3,568 |
| Return on assets (ROA) | 0.9982% | 2,884 |
| Pretax return on assets | 1.1452% | 2,985 |
| Return on Equity (ROE) | 11.4174% | 1,801 |
| Retained earnings to average equity (ytd only) | 8.5480% | 1,640 |
| Net charge-offs to loans | -0.0016% | 3,786 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4246% | 1,687 |
| Assets per employee ($millions) | 4.8070% | 2,727 |
| Cash dividends to net income (ytd only)* | 25.1319% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,572 |
| Loan loss allowance to noncurrent loans | 142.1697% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6408% | 2,396 |
| Noncurrent loans to loans | 0.8727% | 2,075 |
| Net loans and leases to total assets | 63.3132% | 3,395 |
| Net loans and leases to deposits | 79.5157% | 2,866 |
| Net loans and leases to core deposits | 91.5792% | 2,331 |
| Total domestic deposits to total assets | 79.6235% | 4,474 |
| Equity capital to assets | 8.4665% | 5,003 |
| Core capital (leverage) ratio | 8.7015% | 4,991 |
| Tier 1 risk-based capital ratio | 11.7805% | 4,695 |
| Total risk-based capital ratio | 12.9544% | 4,627 |
| Memoranda: | ||
| Average total assets | $1,594,499,000 | 512 |
| Average earning assets | $1,465,670,500 | 510 |
| Average equity | $139,401,500 | 617 |
| Average total loans | $1,031,937,000 | 546 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 4,196 |
| Cost of funding earning assets | 0.5641% | 1,861 |
| Net interest margin | 3.1930% | 4,462 |
| Noninterest income to average assets | 1.2545% | 674 |
| Noninterest expense to average assets | 3.2243% | 1,553 |
| Loan and lease loss provision to assets | 0.0673% | 2,854 |
| Net operating income to assets | 0.5743% | 4,121 |
| Return on assets (ROA) | 0.6264% | 3,940 |
| Pretax return on assets | 0.9629% | 3,692 |
| Return on Equity (ROE) | 7.0148% | 3,271 |
| Retained earnings to average equity (ytd only) | 7.0148% | 1,069 |
| Net charge-offs to loans | 0.1034% | 2,032 |
| Credit loss provision to net charge-offs | 102.1450% | 2,509 |
| Earnings coverage of net charge-offs (x) | 14.4096% | 2,327 |
| Efficiency ratio | 77.1796% | 1,460 |
| Assets per employee ($millions) | 4.7542% | 2,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 2,429 |
| Loan loss allowance to noncurrent loans | 130.0010% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.6950% | 2,233 |
| Noncurrent loans to loans | 0.9687% | 1,825 |
| Net loans and leases to total assets | 64.5367% | 3,297 |
| Net loans and leases to deposits | 82.2189% | 2,700 |
| Net loans and leases to core deposits | 91.1423% | 2,445 |
| Total domestic deposits to total assets | 78.4937% | 4,642 |
| Equity capital to assets | 9.0330% | 4,684 |
| Core capital (leverage) ratio | 8.7253% | 4,926 |
| Tier 1 risk-based capital ratio | 11.8426% | 4,630 |
| Total risk-based capital ratio | 13.0332% | 4,550 |
| Memoranda: | ||
| Average total assets | $1,484,860,400 | 524 |
| Average earning assets | $1,357,844,000 | 520 |
| Average equity | $132,591,000 | 618 |
| Average total loans | $947,188,200 | 561 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7191% | 4,268 |
| Cost of funding earning assets | 0.5344% | 1,993 |
| Net interest margin | 3.1846% | 4,493 |
| Noninterest income to average assets | 1.2375% | 683 |
| Noninterest expense to average assets | 3.2361% | 1,485 |
| Loan and lease loss provision to assets | 0.0182% | 3,779 |
| Net operating income to assets | 0.7456% | 3,757 |
| Return on assets (ROA) | 0.8365% | 3,393 |
| Pretax return on assets | 1.0009% | 3,690 |
| Return on Equity (ROE) | 9.3962% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.3962% | 734 |
| Net charge-offs to loans | 0.0294% | 2,838 |
| Credit loss provision to net charge-offs | 97.5610% | 2,351 |
| Earnings coverage of net charge-offs (x) | 48.9067% | 1,133 |
| Efficiency ratio | 77.9699% | 1,335 |
| Assets per employee ($millions) | 4.7865% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 2,407 |
| Loan loss allowance to noncurrent loans | 243.3035% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.4248% | 3,323 |
| Noncurrent loans to loans | 0.5305% | 3,106 |
| Net loans and leases to total assets | 63.7642% | 3,442 |
| Net loans and leases to deposits | 80.1410% | 2,961 |
| Net loans and leases to core deposits | 88.9036% | 2,698 |
| Total domestic deposits to total assets | 79.5650% | 4,420 |
| Equity capital to assets | 9.0947% | 4,826 |
| Core capital (leverage) ratio | 8.7113% | 5,051 |
| Tier 1 risk-based capital ratio | 11.8556% | 4,726 |
| Total risk-based capital ratio | 13.0974% | 4,604 |
| Memoranda: | ||
| Average total assets | $1,467,418,750 | 530 |
| Average earning assets | $1,340,662,000 | 528 |
| Average equity | $130,631,500 | 634 |
| Average total loans | $929,960,000 | 571 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6811% | 4,280 |
| Cost of funding earning assets | 0.5084% | 2,103 |
| Net interest margin | 3.1727% | 4,490 |
| Noninterest income to average assets | 1.2499% | 666 |
| Noninterest expense to average assets | 3.2545% | 1,458 |
| Loan and lease loss provision to assets | 0.0138% | 3,676 |
| Net operating income to assets | 0.7280% | 3,718 |
| Return on assets (ROA) | 0.8035% | 3,444 |
| Pretax return on assets | 0.9690% | 3,692 |
| Return on Equity (ROE) | 9.0949% | 2,466 |
| Retained earnings to average equity (ytd only) | 9.0949% | 812 |
| Net charge-offs to loans | 0.0272% | 2,667 |
| Credit loss provision to net charge-offs | 80.6452% | 2,254 |
| Earnings coverage of net charge-offs (x) | 52.0081% | 1,045 |
| Efficiency ratio | 78.4249% | 1,405 |
| Assets per employee ($millions) | 4.6472% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,132 |
| Loan loss allowance to noncurrent loans | 247.1124% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.4190% | 3,437 |
| Noncurrent loans to loans | 0.5492% | 3,099 |
| Net loans and leases to total assets | 62.9135% | 3,518 |
| Net loans and leases to deposits | 77.3211% | 3,183 |
| Net loans and leases to core deposits | 85.3059% | 2,945 |
| Total domestic deposits to total assets | 81.3666% | 4,086 |
| Equity capital to assets | 9.3119% | 4,609 |
| Core capital (leverage) ratio | 8.7236% | 5,028 |
| Tier 1 risk-based capital ratio | 12.7488% | 4,153 |
| Total risk-based capital ratio | 14.0018% | 4,058 |
| Memoranda: | ||
| Average total assets | $1,445,996,670 | 541 |
| Average earning assets | $1,320,152,670 | 537 |
| Average equity | $127,741,330 | 651 |
| Average total loans | $910,134,330 | 586 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6211% | 4,364 |
| Cost of funding earning assets | 0.4897% | 2,167 |
| Net interest margin | 3.1313% | 4,559 |
| Noninterest income to average assets | 1.1737% | 737 |
| Noninterest expense to average assets | 3.2440% | 1,492 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6310% | 4,012 |
| Return on assets (ROA) | 0.6317% | 4,055 |
| Pretax return on assets | 0.7872% | 4,157 |
| Return on Equity (ROE) | 7.3547% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.3547% | 1,715 |
| Net charge-offs to loans | 0.0478% | 1,895 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.3178% | 1,312 |
| Efficiency ratio | 80.4199% | 1,330 |
| Assets per employee ($millions) | 4.4544% | 3,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 2,074 |
| Loan loss allowance to noncurrent loans | 198.5891% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 3,186 |
| Noncurrent loans to loans | 0.7051% | 2,727 |
| Net loans and leases to total assets | 61.4273% | 3,610 |
| Net loans and leases to deposits | 74.7446% | 3,332 |
| Net loans and leases to core deposits | 83.0578% | 2,989 |
| Total domestic deposits to total assets | 82.1829% | 4,121 |
| Equity capital to assets | 8.5862% | 5,174 |
| Core capital (leverage) ratio | 8.2701% | 5,397 |
| Tier 1 risk-based capital ratio | 11.8786% | 4,790 |
| Total risk-based capital ratio | 13.1318% | 4,695 |
| Memoranda: | ||
| Average total assets | $1,432,418,000 | 543 |
| Average earning assets | $1,306,797,000 | 550 |
| Average equity | $123,023,000 | 673 |
| Average total loans | $895,419,500 | 599 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4504% | 4,887 |
| Cost of funding earning assets | 0.4485% | 2,549 |
| Net interest margin | 3.0018% | 4,957 |
| Noninterest income to average assets | 1.3681% | 613 |
| Noninterest expense to average assets | 3.3997% | 1,358 |
| Loan and lease loss provision to assets | 0.0188% | 3,999 |
| Net operating income to assets | 0.5717% | 4,340 |
| Return on assets (ROA) | 0.6592% | 4,075 |
| Pretax return on assets | 0.7991% | 4,188 |
| Return on Equity (ROE) | 7.1528% | 3,389 |
| Retained earnings to average equity (ytd only) | 5.3593% | 2,098 |
| Net charge-offs to loans | 0.1250% | 1,996 |
| Credit loss provision to net charge-offs | 23.9693% | 3,643 |
| Earnings coverage of net charge-offs (x) | 9.0757% | 2,790 |
| Efficiency ratio | 82.5283% | 1,139 |
| Assets per employee ($millions) | 4.4564% | 3,178 |
| Cash dividends to net income (ytd only)* | 25.0741% | 3,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 1,907 |
| Loan loss allowance to noncurrent loans | 181.3858% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 0.5230% | 3,174 |
| Noncurrent loans to loans | 0.7948% | 2,529 |
| Net loans and leases to total assets | 61.8240% | 3,632 |
| Net loans and leases to deposits | 75.1138% | 3,398 |
| Net loans and leases to core deposits | 82.8956% | 3,136 |
| Total domestic deposits to total assets | 82.3071% | 3,991 |
| Equity capital to assets | 8.5908% | 5,199 |
| Core capital (leverage) ratio | 8.3975% | 5,373 |
| Tier 1 risk-based capital ratio | 11.9867% | 4,737 |
| Total risk-based capital ratio | 13.2429% | 4,615 |
| Memoranda: | ||
| Average total assets | $1,331,047,600 | 553 |
| Average earning assets | $1,216,162,200 | 555 |
| Average equity | $122,666,000 | 651 |
| Average total loans | $834,313,600 | 605 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4365% | 4,946 |
| Cost of funding earning assets | 0.4542% | 2,517 |
| Net interest margin | 2.9823% | 5,049 |
| Noninterest income to average assets | 1.3535% | 641 |
| Noninterest expense to average assets | 3.3773% | 1,390 |
| Loan and lease loss provision to assets | 0.0254% | 3,736 |
| Net operating income to assets | 0.5544% | 4,480 |
| Return on assets (ROA) | 0.6728% | 4,114 |
| Pretax return on assets | 0.8221% | 4,240 |
| Return on Equity (ROE) | 7.1699% | 3,465 |
| Retained earnings to average equity (ytd only) | 4.7850% | 2,966 |
| Net charge-offs to loans | -0.0052% | 4,625 |
| Credit loss provision to net charge-offs | -781.2500% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5580% | 1,123 |
| Assets per employee ($millions) | 4.1772% | 3,640 |
| Cash dividends to net income (ytd only)* | 33.2628% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6275% | 1,388 |
| Loan loss allowance to noncurrent loans | 101.9057% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 1,952 |
| Noncurrent loans to loans | 1.5970% | 1,350 |
| Net loans and leases to total assets | 61.8566% | 3,654 |
| Net loans and leases to deposits | 73.1145% | 3,685 |
| Net loans and leases to core deposits | 78.5594% | 3,604 |
| Total domestic deposits to total assets | 84.6023% | 2,985 |
| Equity capital to assets | 9.2738% | 4,893 |
| Core capital (leverage) ratio | 8.5228% | 5,346 |
| Tier 1 risk-based capital ratio | 12.1214% | 4,714 |
| Total risk-based capital ratio | 13.3796% | 4,622 |
| Memoranda: | ||
| Average total assets | $1,310,636,250 | 562 |
| Average earning assets | $1,198,370,000 | 561 |
| Average equity | $122,992,000 | 654 |
| Average total loans | $821,352,250 | 616 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4082% | 5,061 |
| Cost of funding earning assets | 0.4467% | 2,600 |
| Net interest margin | 2.9615% | 5,151 |
| Noninterest income to average assets | 1.3505% | 628 |
| Noninterest expense to average assets | 3.3597% | 1,462 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5665% | 4,414 |
| Return on assets (ROA) | 0.7418% | 3,748 |
| Pretax return on assets | 0.9223% | 3,867 |
| Return on Equity (ROE) | 7.8721% | 3,047 |
| Retained earnings to average equity (ytd only) | 5.4981% | 2,423 |
| Net charge-offs to loans | 0.0315% | 2,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 35.6094% | 1,246 |
| Efficiency ratio | 82.4074% | 1,222 |
| Assets per employee ($millions) | 4.1997% | 3,568 |
| Cash dividends to net income (ytd only)* | 30.1581% | 2,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 1,521 |
| Loan loss allowance to noncurrent loans | 95.3733% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 1,875 |
| Noncurrent loans to loans | 1.6805% | 1,265 |
| Net loans and leases to total assets | 62.9718% | 3,503 |
| Net loans and leases to deposits | 74.9413% | 3,488 |
| Net loans and leases to core deposits | 82.9536% | 3,175 |
| Total domestic deposits to total assets | 84.0282% | 3,256 |
| Equity capital to assets | 9.6727% | 4,586 |
| Core capital (leverage) ratio | 8.6492% | 5,216 |
| Tier 1 risk-based capital ratio | 12.3937% | 4,598 |
| Total risk-based capital ratio | 13.6515% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,296,381,670 | 567 |
| Average earning assets | $1,187,314,000 | 565 |
| Average equity | $122,152,330 | 656 |
| Average total loans | $811,464,000 | 615 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3738% | 5,179 |
| Cost of funding earning assets | 0.4474% | 2,615 |
| Net interest margin | 2.9264% | 5,270 |
| Noninterest income to average assets | 1.3144% | 634 |
| Noninterest expense to average assets | 3.3131% | 1,569 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5377% | 4,474 |
| Return on assets (ROA) | 0.8857% | 2,951 |
| Pretax return on assets | 1.1221% | 3,005 |
| Return on Equity (ROE) | 9.5280% | 2,190 |
| Retained earnings to average equity (ytd only) | 7.1919% | 1,795 |
| Net charge-offs to loans | 0.1108% | 1,464 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 9.9412% | 1,954 |
| Efficiency ratio | 82.5425% | 1,318 |
| Assets per employee ($millions) | 4.1505% | 3,673 |
| Cash dividends to net income (ytd only)* | 24.5184% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 1,481 |
| Loan loss allowance to noncurrent loans | 83.9065% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 1.2748% | 1,694 |
| Noncurrent loans to loans | 1.9682% | 1,096 |
| Net loans and leases to total assets | 61.7763% | 3,558 |
| Net loans and leases to deposits | 74.8313% | 3,337 |
| Net loans and leases to core deposits | 83.1772% | 3,021 |
| Total domestic deposits to total assets | 82.5541% | 4,051 |
| Equity capital to assets | 9.5248% | 4,644 |
| Core capital (leverage) ratio | 8.5778% | 5,316 |
| Tier 1 risk-based capital ratio | 12.6244% | 4,507 |
| Total risk-based capital ratio | 13.8826% | 4,409 |
| Memoranda: | ||
| Average total assets | $1,289,422,000 | 567 |
| Average earning assets | $1,180,977,000 | 566 |
| Average equity | $119,857,500 | 671 |
| Average total loans | $797,916,000 | 623 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4245% | 5,107 |
| Cost of funding earning assets | 0.3815% | 3,349 |
| Net interest margin | 3.0430% | 5,042 |
| Noninterest income to average assets | 1.3937% | 623 |
| Noninterest expense to average assets | 3.4200% | 1,448 |
| Loan and lease loss provision to assets | -0.0488% | 5,743 |
| Net operating income to assets | 0.6346% | 4,113 |
| Return on assets (ROA) | 0.7576% | 3,636 |
| Pretax return on assets | 0.9571% | 3,618 |
| Return on Equity (ROE) | 7.4060% | 3,304 |
| Retained earnings to average equity (ytd only) | -6.7572% | 5,970 |
| Net charge-offs to loans | 0.0768% | 2,725 |
| Credit loss provision to net charge-offs | -104.6875% | 5,160 |
| Earnings coverage of net charge-offs (x) | 16.1424% | 2,153 |
| Efficiency ratio | 81.5616% | 1,468 |
| Assets per employee ($millions) | 4.2787% | 3,433 |
| Cash dividends to net income (ytd only)* | 191.2393% | 107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 1,305 |
| Loan loss allowance to noncurrent loans | 81.8286% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3381% | 1,579 |
| Noncurrent loans to loans | 2.1052% | 976 |
| Net loans and leases to total assets | 59.9037% | 3,852 |
| Net loans and leases to deposits | 73.9880% | 3,499 |
| Net loans and leases to core deposits | 83.0282% | 3,049 |
| Total domestic deposits to total assets | 80.9640% | 4,496 |
| Equity capital to assets | 9.0671% | 5,056 |
| Core capital (leverage) ratio | 8.5170% | 5,410 |
| Tier 1 risk-based capital ratio | 12.6939% | 4,513 |
| Total risk-based capital ratio | 13.9557% | 4,408 |
| Memoranda: | ||
| Average total assets | $1,235,448,400 | 570 |
| Average earning assets | $1,128,196,200 | 572 |
| Average equity | $126,383,800 | 602 |
| Average total loans | $750,260,000 | 625 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4328% | 5,132 |
| Cost of funding earning assets | 0.3659% | 3,593 |
| Net interest margin | 3.0669% | 5,040 |
| Noninterest income to average assets | 1.4354% | 608 |
| Noninterest expense to average assets | 3.4433% | 1,394 |
| Loan and lease loss provision to assets | -0.0658% | 5,943 |
| Net operating income to assets | 0.6659% | 4,052 |
| Return on assets (ROA) | 0.8286% | 3,373 |
| Pretax return on assets | 1.0640% | 3,353 |
| Return on Equity (ROE) | 7.8637% | 3,155 |
| Retained earnings to average equity (ytd only) | 2.9942% | 4,314 |
| Net charge-offs to loans | 0.1092% | 2,034 |
| Credit loss provision to net charge-offs | -99.3410% | 5,054 |
| Earnings coverage of net charge-offs (x) | 11.9144% | 2,448 |
| Efficiency ratio | 80.9450% | 1,527 |
| Assets per employee ($millions) | 4.2591% | 3,407 |
| Cash dividends to net income (ytd only)* | 61.9236% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7650% | 1,332 |
| Loan loss allowance to noncurrent loans | 83.2227% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.3575% | 1,713 |
| Noncurrent loans to loans | 2.1208% | 1,062 |
| Net loans and leases to total assets | 59.1636% | 3,988 |
| Net loans and leases to deposits | 71.7389% | 3,799 |
| Net loans and leases to core deposits | 80.8271% | 3,358 |
| Total domestic deposits to total assets | 82.4708% | 3,997 |
| Equity capital to assets | 10.2554% | 3,870 |
| Core capital (leverage) ratio | 9.5255% | 4,266 |
| Tier 1 risk-based capital ratio | 14.5849% | 3,505 |
| Total risk-based capital ratio | 15.8471% | 3,427 |
| Memoranda: | ||
| Average total assets | $1,221,266,000 | 579 |
| Average earning assets | $1,113,985,000 | 582 |
| Average equity | $128,689,000 | 593 |
| Average total loans | $740,917,500 | 635 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4288% | 5,166 |
| Cost of funding earning assets | 0.3437% | 3,881 |
| Net interest margin | 3.0851% | 4,999 |
| Noninterest income to average assets | 1.3884% | 651 |
| Noninterest expense to average assets | 3.4916% | 1,314 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5399% | 4,607 |
| Return on assets (ROA) | 0.7775% | 3,605 |
| Pretax return on assets | 1.0191% | 3,504 |
| Return on Equity (ROE) | 7.3095% | 3,432 |
| Retained earnings to average equity (ytd only) | 4.8106% | 2,981 |
| Net charge-offs to loans | 0.2445% | 1,063 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.7508% | 2,998 |
| Efficiency ratio | 82.7615% | 1,403 |
| Assets per employee ($millions) | 4.0674% | 3,752 |
| Cash dividends to net income (ytd only)* | 34.1880% | 2,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8331% | 1,307 |
| Loan loss allowance to noncurrent loans | 132.7837% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 2,668 |
| Noncurrent loans to loans | 1.3805% | 1,956 |
| Net loans and leases to total assets | 60.1905% | 3,803 |
| Net loans and leases to deposits | 76.9806% | 3,165 |
| Net loans and leases to core deposits | 85.5825% | 2,811 |
| Total domestic deposits to total assets | 78.1892% | 5,237 |
| Equity capital to assets | 10.4126% | 3,545 |
| Core capital (leverage) ratio | 9.9050% | 3,732 |
| Tier 1 risk-based capital ratio | 15.0612% | 3,323 |
| Total risk-based capital ratio | 16.3257% | 3,254 |
| Memoranda: | ||
| Average total assets | $1,203,860,330 | 583 |
| Average earning assets | $1,096,355,000 | 586 |
| Average equity | $128,051,670 | 597 |
| Average total loans | $732,231,670 | 639 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4133% | 5,171 |
| Cost of funding earning assets | 0.3377% | 4,006 |
| Net interest margin | 3.0756% | 5,016 |
| Noninterest income to average assets | 1.2899% | 694 |
| Noninterest expense to average assets | 3.3908% | 1,508 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5270% | 4,557 |
| Return on assets (ROA) | 0.9126% | 2,812 |
| Pretax return on assets | 1.2092% | 2,626 |
| Return on Equity (ROE) | 8.4870% | 2,704 |
| Retained earnings to average equity (ytd only) | 5.3599% | 2,859 |
| Net charge-offs to loans | 0.1588% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.2273% | 2,194 |
| Efficiency ratio | 82.5693% | 1,552 |
| Assets per employee ($millions) | 3.8731% | 4,209 |
| Cash dividends to net income (ytd only)* | 36.8460% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 1,133 |
| Loan loss allowance to noncurrent loans | 104.1259% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.2884% | 2,066 |
| Noncurrent loans to loans | 1.8949% | 1,422 |
| Net loans and leases to total assets | 60.4246% | 3,592 |
| Net loans and leases to deposits | 75.8739% | 3,074 |
| Net loans and leases to core deposits | 83.6952% | 2,810 |
| Total domestic deposits to total assets | 79.6382% | 5,136 |
| Equity capital to assets | 10.9116% | 3,076 |
| Core capital (leverage) ratio | 10.4093% | 3,090 |
| Tier 1 risk-based capital ratio | 15.3049% | 3,258 |
| Total risk-based capital ratio | 16.5698% | 3,179 |
| Memoranda: | ||
| Average total assets | $1,189,573,500 | 593 |
| Average earning assets | $1,081,405,000 | 594 |
| Average equity | $127,913,500 | 596 |
| Average total loans | $720,517,500 | 647 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5125% | 5,287 |
| Cost of funding earning assets | 0.3828% | 3,876 |
| Net interest margin | 3.1298% | 5,132 |
| Noninterest income to average assets | 1.4243% | 600 |
| Noninterest expense to average assets | 3.5868% | 1,335 |
| Loan and lease loss provision to assets | -0.3297% | 6,386 |
| Net operating income to assets | 2.3667% | 177 |
| Return on assets (ROA) | 2.5303% | 137 |
| Pretax return on assets | 1.2066% | 2,629 |
| Return on Equity (ROE) | 28.9799% | 66 |
| Retained earnings to average equity (ytd only) | 28.9799% | 28 |
| Net charge-offs to loans | 0.3386% | 1,297 |
| Credit loss provision to net charge-offs | -168.2485% | 5,597 |
| Earnings coverage of net charge-offs (x) | 3.6406% | 3,840 |
| Efficiency ratio | 83.0021% | 1,522 |
| Assets per employee ($millions) | 3.8893% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0826% | 975 |
| Loan loss allowance to noncurrent loans | 102.1826% | 3,664 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 2,185 |
| Noncurrent loans to loans | 2.0381% | 1,353 |
| Net loans and leases to total assets | 58.2598% | 4,018 |
| Net loans and leases to deposits | 72.9779% | 3,555 |
| Net loans and leases to core deposits | 81.2307% | 3,177 |
| Total domestic deposits to total assets | 79.8321% | 5,060 |
| Equity capital to assets | 10.5943% | 3,367 |
| Core capital (leverage) ratio | 9.4226% | 4,356 |
| Tier 1 risk-based capital ratio | 15.4245% | 3,264 |
| Total risk-based capital ratio | 16.6856% | 3,201 |
| Memoranda: | ||
| Average total assets | $1,182,995,000 | 574 |
| Average earning assets | $1,087,045,600 | 566 |
| Average equity | $103,288,800 | 708 |
| Average total loans | $684,502,600 | 630 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 5,368 |
| Cost of funding earning assets | 0.3922% | 3,877 |
| Net interest margin | 3.1199% | 5,200 |
| Noninterest income to average assets | 1.4280% | 619 |
| Noninterest expense to average assets | 3.5678% | 1,352 |
| Loan and lease loss provision to assets | -0.3273% | 6,480 |
| Net operating income to assets | 1.0247% | 2,349 |
| Return on assets (ROA) | 1.2073% | 1,721 |
| Pretax return on assets | 1.2499% | 2,576 |
| Return on Equity (ROE) | 14.6132% | 887 |
| Retained earnings to average equity (ytd only) | 14.6132% | 224 |
| Net charge-offs to loans | 0.4020% | 984 |
| Credit loss provision to net charge-offs | -141.7400% | 5,498 |
| Earnings coverage of net charge-offs (x) | 3.1794% | 3,713 |
| Efficiency ratio | 82.5204% | 1,553 |
| Assets per employee ($millions) | 3.8161% | 4,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3401% | 793 |
| Loan loss allowance to noncurrent loans | 126.9033% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1624% | 2,622 |
| Noncurrent loans to loans | 1.8440% | 1,732 |
| Net loans and leases to total assets | 56.5113% | 4,265 |
| Net loans and leases to deposits | 67.5372% | 4,180 |
| Net loans and leases to core deposits | 75.5936% | 3,800 |
| Total domestic deposits to total assets | 83.6743% | 3,890 |
| Equity capital to assets | 8.8945% | 5,465 |
| Core capital (leverage) ratio | 8.9239% | 5,165 |
| Tier 1 risk-based capital ratio | 14.9336% | 3,631 |
| Total risk-based capital ratio | 16.1970% | 3,547 |
| Memoranda: | ||
| Average total assets | $1,181,215,250 | 570 |
| Average earning assets | $1,088,125,500 | 561 |
| Average equity | $97,590,000 | 750 |
| Average total loans | $678,602,000 | 638 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5298% | 5,343 |
| Cost of funding earning assets | 0.3994% | 3,871 |
| Net interest margin | 3.1304% | 5,158 |
| Noninterest income to average assets | 1.4187% | 602 |
| Noninterest expense to average assets | 3.5766% | 1,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6961% | 3,863 |
| Return on assets (ROA) | 0.8911% | 2,952 |
| Pretax return on assets | 0.9276% | 3,774 |
| Return on Equity (ROE) | 11.0682% | 1,721 |
| Retained earnings to average equity (ytd only) | 11.0682% | 530 |
| Net charge-offs to loans | 0.1596% | 2,115 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.9204% | 2,560 |
| Efficiency ratio | 82.7412% | 1,664 |
| Assets per employee ($millions) | 3.8134% | 4,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9994% | 383 |
| Loan loss allowance to noncurrent loans | 98.9056% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.8910% | 1,713 |
| Noncurrent loans to loans | 3.0326% | 946 |
| Net loans and leases to total assets | 56.6064% | 4,174 |
| Net loans and leases to deposits | 67.2255% | 4,144 |
| Net loans and leases to core deposits | 76.4065% | 3,586 |
| Total domestic deposits to total assets | 84.2038% | 3,855 |
| Equity capital to assets | 8.6519% | 5,660 |
| Core capital (leverage) ratio | 8.3768% | 5,766 |
| Tier 1 risk-based capital ratio | 14.1296% | 4,174 |
| Total risk-based capital ratio | 15.4012% | 4,091 |
| Memoranda: | ||
| Average total assets | $1,180,626,000 | 567 |
| Average earning assets | $1,087,090,000 | 558 |
| Average equity | $95,046,670 | 769 |
| Average total loans | $676,623,330 | 634 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5164% | 5,377 |
| Cost of funding earning assets | 0.3974% | 4,003 |
| Net interest margin | 3.1191% | 5,179 |
| Noninterest income to average assets | 1.2938% | 670 |
| Noninterest expense to average assets | 3.5803% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5517% | 4,452 |
| Return on assets (ROA) | 0.7427% | 3,549 |
| Pretax return on assets | 0.7832% | 4,172 |
| Return on Equity (ROE) | 9.5775% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.5775% | 1,084 |
| Net charge-offs to loans | 0.2776% | 1,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.6923% | 2,643 |
| Efficiency ratio | 85.5952% | 1,491 |
| Assets per employee ($millions) | 3.6291% | 4,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0324% | 418 |
| Loan loss allowance to noncurrent loans | 135.7148% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 1.4792% | 2,390 |
| Noncurrent loans to loans | 2.2344% | 1,617 |
| Net loans and leases to total assets | 54.7291% | 4,317 |
| Net loans and leases to deposits | 65.3059% | 4,167 |
| Net loans and leases to core deposits | 74.8079% | 3,555 |
| Total domestic deposits to total assets | 83.8042% | 4,342 |
| Equity capital to assets | 7.8975% | 6,124 |
| Core capital (leverage) ratio | 8.2928% | 5,850 |
| Tier 1 risk-based capital ratio | 13.6472% | 4,582 |
| Total risk-based capital ratio | 14.9185% | 4,514 |
| Memoranda: | ||
| Average total assets | $1,187,491,000 | 570 |
| Average earning assets | $1,092,125,500 | 559 |
| Average equity | $92,090,500 | 792 |
| Average total loans | $674,453,500 | 637 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3803% | 5,876 |
| Cost of funding earning assets | 0.4570% | 4,046 |
| Net interest margin | 2.9232% | 5,745 |
| Noninterest income to average assets | 1.4504% | 658 |
| Noninterest expense to average assets | 3.4702% | 1,725 |
| Loan and lease loss provision to assets | -0.2621% | 6,654 |
| Net operating income to assets | 0.8898% | 2,833 |
| Return on assets (ROA) | 0.9169% | 2,782 |
| Pretax return on assets | 0.9394% | 3,601 |
| Return on Equity (ROE) | 12.6585% | 1,238 |
| Retained earnings to average equity (ytd only) | 12.6585% | 262 |
| Net charge-offs to loans | -0.1384% | 6,550 |
| Credit loss provision to net charge-offs | 331.9283% | 694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8063% | 1,647 |
| Assets per employee ($millions) | 3.4527% | 4,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1153% | 412 |
| Loan loss allowance to noncurrent loans | 108.3631% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 1.7271% | 2,140 |
| Noncurrent loans to loans | 2.8749% | 1,225 |
| Net loans and leases to total assets | 55.3779% | 4,401 |
| Net loans and leases to deposits | 65.0776% | 4,404 |
| Net loans and leases to core deposits | 75.5198% | 3,660 |
| Total domestic deposits to total assets | 85.0951% | 3,694 |
| Equity capital to assets | 7.6101% | 6,228 |
| Core capital (leverage) ratio | 7.9798% | 6,149 |
| Tier 1 risk-based capital ratio | 13.4421% | 4,689 |
| Total risk-based capital ratio | 14.7147% | 4,613 |
| Memoranda: | ||
| Average total assets | $1,201,794,400 | 543 |
| Average earning assets | $1,097,479,000 | 541 |
| Average equity | $87,048,400 | 811 |
| Average total loans | $685,539,200 | 609 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3247% | 6,013 |
| Cost of funding earning assets | 0.4704% | 4,065 |
| Net interest margin | 2.8543% | 5,911 |
| Noninterest income to average assets | 1.4764% | 677 |
| Noninterest expense to average assets | 3.3625% | 1,914 |
| Loan and lease loss provision to assets | -0.1545% | 6,682 |
| Net operating income to assets | 0.8496% | 3,100 |
| Return on assets (ROA) | 0.8797% | 3,055 |
| Pretax return on assets | 0.9009% | 3,879 |
| Return on Equity (ROE) | 12.2976% | 1,394 |
| Retained earnings to average equity (ytd only) | 12.2976% | 391 |
| Net charge-offs to loans | 0.0995% | 3,557 |
| Credit loss provision to net charge-offs | -272.3735% | 5,952 |
| Earnings coverage of net charge-offs (x) | 12.6128% | 2,118 |
| Efficiency ratio | 82.0273% | 1,825 |
| Assets per employee ($millions) | 3.5026% | 4,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1012% | 497 |
| Loan loss allowance to noncurrent loans | 126.2595% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 1.4685% | 2,738 |
| Noncurrent loans to loans | 2.4562% | 1,776 |
| Net loans and leases to total assets | 54.7934% | 4,484 |
| Net loans and leases to deposits | 64.0774% | 4,512 |
| Net loans and leases to core deposits | 74.1373% | 3,828 |
| Total domestic deposits to total assets | 85.5112% | 3,488 |
| Equity capital to assets | 7.2352% | 6,483 |
| Core capital (leverage) ratio | 7.7045% | 6,374 |
| Tier 1 risk-based capital ratio | 12.5387% | 5,436 |
| Total risk-based capital ratio | 13.8104% | 5,367 |
| Memoranda: | ||
| Average total assets | $1,207,898,000 | 547 |
| Average earning assets | $1,100,987,000 | 541 |
| Average equity | $86,410,500 | 823 |
| Average total loans | $688,680,750 | 610 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3559% | 5,993 |
| Cost of funding earning assets | 0.4845% | 4,041 |
| Net interest margin | 2.8714% | 5,846 |
| Noninterest income to average assets | 1.4829% | 718 |
| Noninterest expense to average assets | 3.3464% | 1,950 |
| Loan and lease loss provision to assets | -0.2321% | 6,803 |
| Net operating income to assets | 0.9186% | 2,705 |
| Return on assets (ROA) | 0.9374% | 2,771 |
| Pretax return on assets | 1.0086% | 3,471 |
| Return on Equity (ROE) | 13.1533% | 1,210 |
| Retained earnings to average equity (ytd only) | 13.1533% | 365 |
| Net charge-offs to loans | 0.4833% | 1,363 |
| Credit loss provision to net charge-offs | -83.9832% | 5,594 |
| Earnings coverage of net charge-offs (x) | 2.7373% | 3,603 |
| Efficiency ratio | 81.1402% | 2,007 |
| Assets per employee ($millions) | 3.5548% | 4,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9735% | 597 |
| Loan loss allowance to noncurrent loans | 111.3586% | 3,190 |
| Noncurrent assets plus other real estate owned to assets | 1.6056% | 2,708 |
| Noncurrent loans to loans | 2.6702% | 1,711 |
| Net loans and leases to total assets | 55.0693% | 4,439 |
| Net loans and leases to deposits | 63.2385% | 4,596 |
| Net loans and leases to core deposits | 74.5564% | 3,721 |
| Total domestic deposits to total assets | 87.0820% | 2,768 |
| Equity capital to assets | 7.2147% | 6,540 |
| Core capital (leverage) ratio | 7.3743% | 6,505 |
| Tier 1 risk-based capital ratio | 12.3442% | 5,602 |
| Total risk-based capital ratio | 13.6142% | 5,537 |
| Memoranda: | ||
| Average total assets | $1,206,565,670 | 547 |
| Average earning assets | $1,100,861,000 | 540 |
| Average equity | $85,986,330 | 827 |
| Average total loans | $689,811,000 | 606 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4210% | 5,897 |
| Cost of funding earning assets | 0.4974% | 4,118 |
| Net interest margin | 2.9236% | 5,766 |
| Noninterest income to average assets | 1.4163% | 760 |
| Noninterest expense to average assets | 3.3343% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6571% | 3,917 |
| Return on assets (ROA) | 0.6920% | 3,875 |
| Pretax return on assets | 0.7918% | 4,197 |
| Return on Equity (ROE) | 9.7697% | 2,151 |
| Retained earnings to average equity (ytd only) | 9.7697% | 1,165 |
| Net charge-offs to loans | 0.7170% | 856 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.8271% | 3,232 |
| Efficiency ratio | 81.1850% | 2,166 |
| Assets per employee ($millions) | 3.5821% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2140% | 538 |
| Loan loss allowance to noncurrent loans | 154.1280% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 3,260 |
| Noncurrent loans to loans | 2.0853% | 2,522 |
| Net loans and leases to total assets | 55.1655% | 4,214 |
| Net loans and leases to deposits | 63.1078% | 4,404 |
| Net loans and leases to core deposits | 75.5213% | 3,381 |
| Total domestic deposits to total assets | 87.4147% | 2,682 |
| Equity capital to assets | 7.2567% | 6,661 |
| Core capital (leverage) ratio | 7.0458% | 6,628 |
| Tier 1 risk-based capital ratio | 11.2272% | 6,299 |
| Total risk-based capital ratio | 12.4986% | 6,267 |
| Memoranda: | ||
| Average total assets | $1,214,415,500 | 545 |
| Average earning assets | $1,108,913,500 | 538 |
| Average equity | $86,021,000 | 835 |
| Average total loans | $696,766,500 | 603 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 6,030 |
| Cost of funding earning assets | 0.6167% | 4,203 |
| Net interest margin | 3.0916% | 5,837 |
| Noninterest income to average assets | 1.3701% | 831 |
| Noninterest expense to average assets | 3.1403% | 2,807 |
| Loan and lease loss provision to assets | 3.5970% | 22 |
| Net operating income to assets | -3.1585% | 7,016 |
| Return on assets (ROA) | -2.7917% | 6,998 |
| Pretax return on assets | -2.1810% | 6,949 |
| Return on Equity (ROE) | -36.6003% | 6,980 |
| Retained earnings to average equity (ytd only) | -36.6003% | 6,969 |
| Net charge-offs to loans | 8.1243% | 8 |
| Credit loss provision to net charge-offs | 70.1535% | 4,156 |
| Earnings coverage of net charge-offs (x) | 0.2046% | 5,375 |
| Efficiency ratio | 74.5827% | 2,976 |
| Assets per employee ($millions) | 3.6679% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2555% | 526 |
| Loan loss allowance to noncurrent loans | 129.1088% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 1.6081% | 2,980 |
| Noncurrent loans to loans | 2.5215% | 2,092 |
| Net loans and leases to total assets | 55.8612% | 4,318 |
| Net loans and leases to deposits | 63.3167% | 4,627 |
| Net loans and leases to core deposits | 77.4242% | 3,347 |
| Total domestic deposits to total assets | 88.2250% | 2,081 |
| Equity capital to assets | 6.9151% | 6,786 |
| Core capital (leverage) ratio | 6.6201% | 6,774 |
| Tier 1 risk-based capital ratio | 10.5789% | 6,524 |
| Total risk-based capital ratio | 11.8511% | 6,481 |
| Memoranda: | ||
| Average total assets | $1,342,793,600 | 496 |
| Average earning assets | $1,224,590,800 | 492 |
| Average equity | $102,422,600 | 694 |
| Average total loans | $847,441,000 | 484 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7793% | 6,070 |
| Cost of funding earning assets | 0.6438% | 4,244 |
| Net interest margin | 3.1356% | 5,848 |
| Noninterest income to average assets | 1.2878% | 893 |
| Noninterest expense to average assets | 3.1045% | 2,875 |
| Loan and lease loss provision to assets | 4.6020% | 12 |
| Net operating income to assets | -4.2476% | 7,147 |
| Return on assets (ROA) | -3.7685% | 7,137 |
| Pretax return on assets | -3.0801% | 7,114 |
| Return on Equity (ROE) | -48.3896% | 7,116 |
| Retained earnings to average equity (ytd only) | -48.3896% | 7,111 |
| Net charge-offs to loans | 8.2163% | 10 |
| Credit loss provision to net charge-offs | 87.0846% | 3,391 |
| Earnings coverage of net charge-offs (x) | 0.1973% | 5,222 |
| Efficiency ratio | 74.4897% | 2,902 |
| Assets per employee ($millions) | 3.8344% | 4,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5209% | 207 |
| Loan loss allowance to noncurrent loans | 62.5181% | 4,543 |
| Noncurrent assets plus other real estate owned to assets | 4.8283% | 934 |
| Noncurrent loans to loans | 7.2313% | 497 |
| Net loans and leases to total assets | 61.0703% | 3,559 |
| Net loans and leases to deposits | 69.0183% | 4,027 |
| Net loans and leases to core deposits | 85.3406% | 2,542 |
| Total domestic deposits to total assets | 88.4842% | 1,733 |
| Equity capital to assets | 6.6770% | 6,921 |
| Core capital (leverage) ratio | 6.2249% | 6,924 |
| Tier 1 risk-based capital ratio | 9.3636% | 6,911 |
| Total risk-based capital ratio | 10.6516% | 6,903 |
| Memoranda: | ||
| Average total assets | $1,370,389,000 | 489 |
| Average earning assets | $1,249,714,500 | 485 |
| Average equity | $106,722,750 | 667 |
| Average total loans | $881,399,750 | 466 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8599% | 6,012 |
| Cost of funding earning assets | 0.6771% | 4,205 |
| Net interest margin | 3.1828% | 5,792 |
| Noninterest income to average assets | 1.1935% | 1,000 |
| Noninterest expense to average assets | 2.9972% | 3,266 |
| Loan and lease loss provision to assets | 6.0108% | 12 |
| Net operating income to assets | -2.9732% | 7,155 |
| Return on assets (ROA) | -2.5243% | 7,127 |
| Pretax return on assets | -4.2127% | 7,196 |
| Return on Equity (ROE) | -31.0777% | 7,112 |
| Retained earnings to average equity (ytd only) | -31.0777% | 7,101 |
| Net charge-offs to loans | 10.9838% | 4 |
| Credit loss provision to net charge-offs | 84.9436% | 3,186 |
| Earnings coverage of net charge-offs (x) | 0.1550% | 4,994 |
| Efficiency ratio | 72.8472% | 3,264 |
| Assets per employee ($millions) | 4.0727% | 3,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2993% | 272 |
| Loan loss allowance to noncurrent loans | 62.2680% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 4.5590% | 1,079 |
| Noncurrent loans to loans | 6.9046% | 572 |
| Net loans and leases to total assets | 60.7495% | 3,671 |
| Net loans and leases to deposits | 70.3455% | 3,842 |
| Net loans and leases to core deposits | 88.6259% | 2,134 |
| Total domestic deposits to total assets | 86.3587% | 3,161 |
| Equity capital to assets | 7.8868% | 6,640 |
| Core capital (leverage) ratio | 6.5175% | 6,923 |
| Tier 1 risk-based capital ratio | 10.1083% | 6,797 |
| Total risk-based capital ratio | 11.3933% | 6,773 |
| Memoranda: | ||
| Average total assets | $1,404,128,330 | 477 |
| Average earning assets | $1,279,515,330 | 473 |
| Average equity | $114,049,670 | 626 |
| Average total loans | $904,604,000 | 457 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 5,878 |
| Cost of funding earning assets | 0.6813% | 4,448 |
| Net interest margin | 3.2818% | 5,528 |
| Noninterest income to average assets | 1.0963% | 1,188 |
| Noninterest expense to average assets | 2.9155% | 3,559 |
| Loan and lease loss provision to assets | 5.3247% | 18 |
| Net operating income to assets | -2.5795% | 7,200 |
| Return on assets (ROA) | -2.1856% | 7,171 |
| Pretax return on assets | -3.5257% | 7,231 |
| Return on Equity (ROE) | -26.5537% | 7,152 |
| Retained earnings to average equity (ytd only) | -26.5537% | 7,109 |
| Net charge-offs to loans | 14.8622% | 8 |
| Credit loss provision to net charge-offs | 55.2375% | 3,195 |
| Earnings coverage of net charge-offs (x) | 0.1228% | 4,304 |
| Efficiency ratio | 70.7733% | 3,663 |
| Assets per employee ($millions) | 4.4981% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1180% | 741 |
| Loan loss allowance to noncurrent loans | 34.3869% | 5,945 |
| Noncurrent assets plus other real estate owned to assets | 5.8379% | 818 |
| Noncurrent loans to loans | 9.0674% | 370 |
| Net loans and leases to total assets | 60.5898% | 3,533 |
| Net loans and leases to deposits | 72.0711% | 3,426 |
| Net loans and leases to core deposits | 88.5506% | 1,994 |
| Total domestic deposits to total assets | 84.0694% | 4,452 |
| Equity capital to assets | 8.0586% | 6,481 |
| Core capital (leverage) ratio | 7.0743% | 6,812 |
| Tier 1 risk-based capital ratio | 10.0720% | 6,858 |
| Total risk-based capital ratio | 11.3424% | 6,848 |
| Memoranda: | ||
| Average total assets | $1,442,343,000 | 462 |
| Average earning assets | $1,319,747,000 | 455 |
| Average equity | $118,718,000 | 604 |
| Average total loans | $935,503,500 | 444 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 5,452 |
| Cost of funding earning assets | 0.7849% | 4,973 |
| Net interest margin | 3.6078% | 4,700 |
| Noninterest income to average assets | 1.3655% | 689 |
| Noninterest expense to average assets | 4.0023% | 1,034 |
| Loan and lease loss provision to assets | 3.9265% | 55 |
| Net operating income to assets | -2.4289% | 7,103 |
| Return on assets (ROA) | -2.1258% | 7,063 |
| Pretax return on assets | -2.8453% | 7,170 |
| Return on Equity (ROE) | -22.8780% | 7,023 |
| Retained earnings to average equity (ytd only) | -24.1946% | 7,030 |
| Net charge-offs to loans | 3.1356% | 288 |
| Credit loss provision to net charge-offs | 189.6797% | 1,351 |
| Earnings coverage of net charge-offs (x) | 0.3271% | 5,581 |
| Efficiency ratio | 57.3719% | 6,133 |
| Assets per employee ($millions) | 4.4606% | 2,978 |
| Cash dividends to net income (ytd only)* | -5.7549% | 7,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5160% | 252 |
| Loan loss allowance to noncurrent loans | 52.2301% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 5.9594% | 822 |
| Noncurrent loans to loans | 8.6464% | 427 |
| Net loans and leases to total assets | 64.1511% | 3,158 |
| Net loans and leases to deposits | 75.7255% | 3,217 |
| Net loans and leases to core deposits | 91.6991% | 1,920 |
| Total domestic deposits to total assets | 84.7154% | 3,997 |
| Equity capital to assets | 8.4036% | 6,244 |
| Core capital (leverage) ratio | 7.7834% | 6,454 |
| Tier 1 risk-based capital ratio | 11.0193% | 6,445 |
| Total risk-based capital ratio | 12.3069% | 6,408 |
| Memoranda: | ||
| Average total assets | $1,491,783,200 | 447 |
| Average earning assets | $1,370,231,200 | 434 |
| Average equity | $138,613,400 | 498 |
| Average total loans | $984,843,800 | 428 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4559% | 5,408 |
| Cost of funding earning assets | 0.8035% | 5,124 |
| Net interest margin | 3.6524% | 4,553 |
| Noninterest income to average assets | 1.4200% | 651 |
| Noninterest expense to average assets | 2.6034% | 5,066 |
| Loan and lease loss provision to assets | 2.8646% | 123 |
| Net operating income to assets | -0.3771% | 6,565 |
| Return on assets (ROA) | -0.2093% | 6,475 |
| Pretax return on assets | -0.4301% | 6,583 |
| Return on Equity (ROE) | -2.2023% | 6,498 |
| Retained earnings to average equity (ytd only) | -3.9039% | 6,508 |
| Net charge-offs to loans | 3.0558% | 307 |
| Credit loss provision to net charge-offs | 142.6019% | 2,237 |
| Earnings coverage of net charge-offs (x) | 1.0814% | 4,820 |
| Efficiency ratio | 54.2214% | 6,466 |
| Assets per employee ($millions) | 4.8310% | 2,429 |
| Cash dividends to net income (ytd only)* | -77.2651% | 7,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5768% | 1,298 |
| Loan loss allowance to noncurrent loans | 75.2329% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 2.4392% | 2,642 |
| Noncurrent loans to loans | 3.4250% | 2,005 |
| Net loans and leases to total assets | 64.2020% | 3,266 |
| Net loans and leases to deposits | 75.3308% | 3,449 |
| Net loans and leases to core deposits | 91.7476% | 2,030 |
| Total domestic deposits to total assets | 85.2267% | 3,662 |
| Equity capital to assets | 10.0679% | 4,253 |
| Core capital (leverage) ratio | 8.2733% | 6,016 |
| Tier 1 risk-based capital ratio | 12.7629% | 5,280 |
| Total risk-based capital ratio | 14.0300% | 5,254 |
| Memoranda: | ||
| Average total assets | $1,504,533,500 | 443 |
| Average earning assets | $1,382,371,000 | 432 |
| Average equity | $142,997,500 | 496 |
| Average total loans | $989,056,500 | 429 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 5,519 |
| Cost of funding earning assets | 0.8203% | 5,242 |
| Net interest margin | 3.6318% | 4,594 |
| Noninterest income to average assets | 1.2553% | 801 |
| Noninterest expense to average assets | 2.4971% | 5,549 |
| Loan and lease loss provision to assets | 3.2523% | 130 |
| Net operating income to assets | -0.9722% | 6,936 |
| Return on assets (ROA) | -0.8961% | 6,910 |
| Pretax return on assets | -1.0638% | 6,915 |
| Return on Equity (ROE) | -9.6200% | 6,927 |
| Retained earnings to average equity (ytd only) | -12.2286% | 6,948 |
| Net charge-offs to loans | 2.6824% | 414 |
| Credit loss provision to net charge-offs | 184.5904% | 1,637 |
| Earnings coverage of net charge-offs (x) | 1.1907% | 4,390 |
| Efficiency ratio | 54.0381% | 6,619 |
| Assets per employee ($millions) | 5.0130% | 2,107 |
| Cash dividends to net income (ytd only)* | -27.1174% | 7,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7104% | 1,170 |
| Loan loss allowance to noncurrent loans | 148.0683% | 1,994 |
| Noncurrent assets plus other real estate owned to assets | 1.2916% | 4,316 |
| Noncurrent loans to loans | 1.8305% | 3,712 |
| Net loans and leases to total assets | 64.3060% | 3,396 |
| Net loans and leases to deposits | 77.2718% | 3,254 |
| Net loans and leases to core deposits | 98.3129% | 1,485 |
| Total domestic deposits to total assets | 83.2206% | 4,661 |
| Equity capital to assets | 9.0333% | 5,535 |
| Core capital (leverage) ratio | 7.5947% | 6,675 |
| Tier 1 risk-based capital ratio | 11.4152% | 6,237 |
| Total risk-based capital ratio | 12.6838% | 6,208 |
| Memoranda: | ||
| Average total assets | $1,502,005,330 | 452 |
| Average earning assets | $1,381,229,000 | 443 |
| Average equity | $139,917,330 | 507 |
| Average total loans | $986,579,670 | 438 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4391% | 5,556 |
| Cost of funding earning assets | 0.8543% | 5,245 |
| Net interest margin | 3.5848% | 4,640 |
| Noninterest income to average assets | 1.2555% | 805 |
| Noninterest expense to average assets | 2.4931% | 5,576 |
| Loan and lease loss provision to assets | 0.8557% | 959 |
| Net operating income to assets | 0.9569% | 2,326 |
| Return on assets (ROA) | 1.0153% | 2,180 |
| Pretax return on assets | 1.2802% | 2,101 |
| Return on Equity (ROE) | 10.7340% | 1,824 |
| Retained earnings to average equity (ytd only) | 5.5666% | 2,874 |
| Net charge-offs to loans | 0.3342% | 2,722 |
| Credit loss provision to net charge-offs | 391.0649% | 854 |
| Earnings coverage of net charge-offs (x) | 9.4235% | 1,721 |
| Efficiency ratio | 54.4273% | 6,655 |
| Assets per employee ($millions) | 5.2648% | 1,806 |
| Cash dividends to net income (ytd only)* | 48.1403% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8607% | 2,822 |
| Loan loss allowance to noncurrent loans | 109.5641% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 1.1797% | 4,591 |
| Noncurrent loans to loans | 1.6983% | 3,944 |
| Net loans and leases to total assets | 64.8994% | 3,263 |
| Net loans and leases to deposits | 80.3228% | 2,656 |
| Net loans and leases to core deposits | 104.1499% | 1,053 |
| Total domestic deposits to total assets | 80.7982% | 5,720 |
| Equity capital to assets | 9.6843% | 4,196 |
| Core capital (leverage) ratio | 8.4246% | 5,584 |
| Tier 1 risk-based capital ratio | 12.5374% | 5,232 |
| Total risk-based capital ratio | 13.7841% | 5,208 |
| Memoranda: | ||
| Average total assets | $1,493,540,500 | 455 |
| Average earning assets | $1,374,699,500 | 449 |
| Average equity | $141,271,000 | 499 |
| Average total loans | $977,880,000 | 449 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6890% | 5,838 |
| Cost of funding earning assets | 1.0217% | 5,581 |
| Net interest margin | 3.6673% | 4,501 |
| Noninterest income to average assets | 1.4188% | 722 |
| Noninterest expense to average assets | 2.6293% | 5,302 |
| Loan and lease loss provision to assets | 0.6567% | 2,510 |
| Net operating income to assets | 1.0714% | 1,794 |
| Return on assets (ROA) | 1.2636% | 1,327 |
| Pretax return on assets | 1.7496% | 852 |
| Return on Equity (ROE) | 13.1608% | 1,049 |
| Retained earnings to average equity (ytd only) | 8.7376% | 774 |
| Net charge-offs to loans | 0.4349% | 3,880 |
| Credit loss provision to net charge-offs | 224.6979% | 1,329 |
| Earnings coverage of net charge-offs (x) | 7.3205% | 2,154 |
| Efficiency ratio | 54.7683% | 6,740 |
| Assets per employee ($millions) | 5.1622% | 1,927 |
| Cash dividends to net income (ytd only)* | 33.6089% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 3,371 |
| Loan loss allowance to noncurrent loans | 99.2258% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.1567% | 4,699 |
| Noncurrent loans to loans | 1.6696% | 3,995 |
| Net loans and leases to total assets | 63.7428% | 3,929 |
| Net loans and leases to deposits | 79.8640% | 3,200 |
| Net loans and leases to core deposits | 96.1077% | 2,004 |
| Total domestic deposits to total assets | 79.8141% | 5,885 |
| Equity capital to assets | 9.2328% | 4,787 |
| Core capital (leverage) ratio | 7.9842% | 6,224 |
| Tier 1 risk-based capital ratio | 11.4441% | 5,955 |
| Total risk-based capital ratio | 12.6975% | 5,947 |
| Memoranda: | ||
| Average total assets | $1,359,149,000 | 499 |
| Average earning assets | $1,241,528,000 | 489 |
| Average equity | $130,493,800 | 522 |
| Average total loans | $913,253,800 | 492 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 5,886 |
| Cost of funding earning assets | 1.0631% | 5,634 |
| Net interest margin | 3.6787% | 4,509 |
| Noninterest income to average assets | 1.4634% | 633 |
| Noninterest expense to average assets | 2.5959% | 5,343 |
| Loan and lease loss provision to assets | 0.7592% | 2,019 |
| Net operating income to assets | 1.0487% | 2,071 |
| Return on assets (ROA) | 1.2828% | 1,453 |
| Pretax return on assets | 1.7851% | 952 |
| Return on Equity (ROE) | 13.2178% | 1,203 |
| Retained earnings to average equity (ytd only) | 9.0992% | 1,025 |
| Net charge-offs to loans | 0.4786% | 3,361 |
| Credit loss provision to net charge-offs | 233.7461% | 1,452 |
| Earnings coverage of net charge-offs (x) | 6.8328% | 2,441 |
| Efficiency ratio | 53.5209% | 6,827 |
| Assets per employee ($millions) | 5.2613% | 1,860 |
| Cash dividends to net income (ytd only)* | 31.1594% | 2,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 3,259 |
| Loan loss allowance to noncurrent loans | 85.6920% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 1.4054% | 4,343 |
| Noncurrent loans to loans | 1.9478% | 3,750 |
| Net loans and leases to total assets | 62.1955% | 4,488 |
| Net loans and leases to deposits | 79.4382% | 3,554 |
| Net loans and leases to core deposits | 94.4424% | 2,466 |
| Total domestic deposits to total assets | 78.2942% | 6,202 |
| Equity capital to assets | 9.7020% | 4,545 |
| Core capital (leverage) ratio | 8.2792% | 5,911 |
| Tier 1 risk-based capital ratio | 11.8018% | 5,634 |
| Total risk-based capital ratio | 13.0560% | 5,612 |
| Memoranda: | ||
| Average total assets | $1,325,966,250 | 504 |
| Average earning assets | $1,208,079,250 | 499 |
| Average equity | $128,681,750 | 515 |
| Average total loans | $899,820,750 | 498 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8515% | 5,602 |
| Cost of funding earning assets | 1.1193% | 5,574 |
| Net interest margin | 3.7323% | 4,222 |
| Noninterest income to average assets | 1.5188% | 560 |
| Noninterest expense to average assets | 2.6326% | 5,199 |
| Loan and lease loss provision to assets | 1.0014% | 1,454 |
| Net operating income to assets | 0.9384% | 2,407 |
| Return on assets (ROA) | 1.1892% | 1,655 |
| Pretax return on assets | 1.6146% | 1,265 |
| Return on Equity (ROE) | 12.2529% | 1,391 |
| Retained earnings to average equity (ytd only) | 8.1547% | 1,392 |
| Net charge-offs to loans | 0.6508% | 2,592 |
| Credit loss provision to net charge-offs | 221.0744% | 1,765 |
| Earnings coverage of net charge-offs (x) | 5.0269% | 2,775 |
| Efficiency ratio | 53.2137% | 6,959 |
| Assets per employee ($millions) | 4.8492% | 2,377 |
| Cash dividends to net income (ytd only)* | 33.4470% | 2,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6236% | 3,353 |
| Loan loss allowance to noncurrent loans | 67.0406% | 3,982 |
| Noncurrent assets plus other real estate owned to assets | 1.7196% | 3,869 |
| Noncurrent loans to loans | 2.4218% | 3,225 |
| Net loans and leases to total assets | 66.0159% | 3,825 |
| Net loans and leases to deposits | 80.9852% | 3,432 |
| Net loans and leases to core deposits | 93.6105% | 2,781 |
| Total domestic deposits to total assets | 81.5160% | 5,192 |
| Equity capital to assets | 10.1216% | 3,865 |
| Core capital (leverage) ratio | 8.4364% | 5,520 |
| Tier 1 risk-based capital ratio | 11.6945% | 5,588 |
| Total risk-based capital ratio | 12.9485% | 5,546 |
| Memoranda: | ||
| Average total assets | $1,282,164,000 | 519 |
| Average earning assets | $1,164,865,000 | 518 |
| Average equity | $124,444,000 | 534 |
| Average total loans | $892,492,000 | 504 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 5,739 |
| Cost of funding earning assets | 1.1529% | 5,647 |
| Net interest margin | 3.6837% | 4,334 |
| Noninterest income to average assets | 1.2657% | 767 |
| Noninterest expense to average assets | 2.7000% | 4,910 |
| Loan and lease loss provision to assets | 0.4529% | 2,702 |
| Net operating income to assets | 1.0572% | 1,980 |
| Return on assets (ROA) | 1.1489% | 1,762 |
| Pretax return on assets | 1.5821% | 1,307 |
| Return on Equity (ROE) | 12.1144% | 1,467 |
| Retained earnings to average equity (ytd only) | 8.0785% | 1,679 |
| Net charge-offs to loans | 0.2100% | 3,658 |
| Credit loss provision to net charge-offs | 304.0685% | 1,293 |
| Earnings coverage of net charge-offs (x) | 12.8180% | 1,537 |
| Efficiency ratio | 58.1275% | 6,470 |
| Assets per employee ($millions) | 4.8840% | 2,382 |
| Cash dividends to net income (ytd only)* | 33.3148% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 4,747 |
| Loan loss allowance to noncurrent loans | 37.6225% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 2.4983% | 2,908 |
| Noncurrent loans to loans | 3.5567% | 2,243 |
| Net loans and leases to total assets | 67.4578% | 3,515 |
| Net loans and leases to deposits | 87.0249% | 2,402 |
| Net loans and leases to core deposits | 118.8110% | 833 |
| Total domestic deposits to total assets | 77.5155% | 6,447 |
| Equity capital to assets | 9.8672% | 4,035 |
| Core capital (leverage) ratio | 8.7604% | 4,920 |
| Tier 1 risk-based capital ratio | 11.7140% | 5,480 |
| Total risk-based capital ratio | 12.9650% | 5,423 |
| Memoranda: | ||
| Average total assets | $1,254,054,000 | 548 |
| Average earning assets | $1,138,318,500 | 543 |
| Average equity | $118,933,000 | 564 |
| Average total loans | $889,674,000 | 525 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2394% | 5,466 |
| Cost of funding earning assets | 1.6277% | 4,901 |
| Net interest margin | 3.6118% | 4,513 |
| Noninterest income to average assets | 1.3993% | 749 |
| Noninterest expense to average assets | 2.7720% | 5,082 |
| Loan and lease loss provision to assets | 0.4348% | 4,218 |
| Net operating income to assets | 1.1230% | 1,460 |
| Return on assets (ROA) | 1.2375% | 1,213 |
| Pretax return on assets | 1.6119% | 938 |
| Return on Equity (ROE) | 13.1532% | 930 |
| Retained earnings to average equity (ytd only) | 8.2565% | 639 |
| Net charge-offs to loans | 0.1106% | 6,051 |
| Credit loss provision to net charge-offs | 518.6567% | 590 |
| Earnings coverage of net charge-offs (x) | 22.6397% | 956 |
| Efficiency ratio | 58.8762% | 6,637 |
| Assets per employee ($millions) | 4.4398% | 3,032 |
| Cash dividends to net income (ytd only)* | 37.2283% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 5,014 |
| Loan loss allowance to noncurrent loans | 106.1690% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.9619% | 5,183 |
| Noncurrent loans to loans | 1.1830% | 4,963 |
| Net loans and leases to total assets | 72.8456% | 2,544 |
| Net loans and leases to deposits | 94.9769% | 1,463 |
| Net loans and leases to core deposits | 121.2080% | 1,859 |
| Total domestic deposits to total assets | 76.6983% | 6,548 |
| Equity capital to assets | 9.0623% | 5,045 |
| Core capital (leverage) ratio | 7.3941% | 6,895 |
| Tier 1 risk-based capital ratio | 9.8119% | 7,013 |
| Total risk-based capital ratio | 11.0620% | 6,992 |
| Memoranda: | ||
| Average total assets | $1,118,915,600 | 596 |
| Average earning assets | $1,013,218,200 | 600 |
| Average equity | $105,274,400 | 617 |
| Average total loans | $848,437,200 | 552 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2650% | 5,597 |
| Cost of funding earning assets | 1.7309% | 4,740 |
| Net interest margin | 3.5341% | 4,722 |
| Noninterest income to average assets | 1.4273% | 733 |
| Noninterest expense to average assets | 2.8449% | 4,699 |
| Loan and lease loss provision to assets | 0.1533% | 5,822 |
| Net operating income to assets | 1.2295% | 1,397 |
| Return on assets (ROA) | 1.3020% | 1,283 |
| Pretax return on assets | 1.7275% | 919 |
| Return on Equity (ROE) | 13.7010% | 978 |
| Retained earnings to average equity (ytd only) | 8.5928% | 947 |
| Net charge-offs to loans | 0.0679% | 6,012 |
| Credit loss provision to net charge-offs | 295.5607% | 1,401 |
| Earnings coverage of net charge-offs (x) | 34.3950% | 839 |
| Efficiency ratio | 60.9614% | 6,287 |
| Assets per employee ($millions) | 4.5398% | 2,799 |
| Cash dividends to net income (ytd only)* | 37.2836% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 6,681 |
| Loan loss allowance to noncurrent loans | 61.7335% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.1937% | 4,686 |
| Noncurrent loans to loans | 1.4870% | 4,434 |
| Net loans and leases to total assets | 74.2424% | 2,457 |
| Net loans and leases to deposits | 101.1967% | 994 |
| Net loans and leases to core deposits | 127.0097% | 1,652 |
| Total domestic deposits to total assets | 73.3644% | 7,039 |
| Equity capital to assets | 9.3738% | 4,923 |
| Core capital (leverage) ratio | 7.6074% | 6,851 |
| Tier 1 risk-based capital ratio | 9.9263% | 7,036 |
| Total risk-based capital ratio | 10.8673% | 7,256 |
| Memoranda: | ||
| Average total assets | $1,100,065,500 | 615 |
| Average earning assets | $996,617,250 | 614 |
| Average equity | $104,535,000 | 633 |
| Average total loans | $840,278,250 | 569 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2552% | 5,840 |
| Cost of funding earning assets | 1.8167% | 4,674 |
| Net interest margin | 3.4384% | 5,035 |
| Noninterest income to average assets | 1.4044% | 766 |
| Noninterest expense to average assets | 2.8522% | 4,723 |
| Loan and lease loss provision to assets | 0.0953% | 6,212 |
| Net operating income to assets | 1.1741% | 1,551 |
| Return on assets (ROA) | 1.2377% | 1,465 |
| Pretax return on assets | 1.6516% | 1,108 |
| Return on Equity (ROE) | 12.9622% | 1,190 |
| Retained earnings to average equity (ytd only) | 7.3328% | 1,454 |
| Net charge-offs to loans | 0.0582% | 5,684 |
| Credit loss provision to net charge-offs | 212.8099% | 2,163 |
| Earnings coverage of net charge-offs (x) | 37.1198% | 856 |
| Efficiency ratio | 62.6634% | 6,148 |
| Assets per employee ($millions) | 4.2238% | 3,248 |
| Cash dividends to net income (ytd only)* | 43.4295% | 2,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8768% | 6,866 |
| Loan loss allowance to noncurrent loans | 90.0838% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8253% | 5,339 |
| Noncurrent loans to loans | 0.9733% | 5,270 |
| Net loans and leases to total assets | 75.4428% | 2,332 |
| Net loans and leases to deposits | 103.5587% | 940 |
| Net loans and leases to core deposits | 128.1101% | 1,706 |
| Total domestic deposits to total assets | 72.8503% | 7,128 |
| Equity capital to assets | 9.4065% | 4,741 |
| Core capital (leverage) ratio | 7.5406% | 6,973 |
| Tier 1 risk-based capital ratio | 9.8943% | 7,048 |
| Total risk-based capital ratio | 10.7988% | 7,310 |
| Memoranda: | ||
| Average total assets | $1,080,868,330 | 643 |
| Average earning assets | $977,592,670 | 640 |
| Average equity | $103,208,000 | 647 |
| Average total loans | $831,226,000 | 592 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2202% | 6,220 |
| Cost of funding earning assets | 1.8913% | 4,672 |
| Net interest margin | 3.3289% | 5,404 |
| Noninterest income to average assets | 1.3825% | 742 |
| Noninterest expense to average assets | 2.7838% | 4,628 |
| Loan and lease loss provision to assets | 0.0807% | 5,934 |
| Net operating income to assets | 1.1208% | 1,894 |
| Return on assets (ROA) | 1.1660% | 1,870 |
| Pretax return on assets | 1.5867% | 1,441 |
| Return on Equity (ROE) | 12.1171% | 1,625 |
| Retained earnings to average equity (ytd only) | 6.2672% | 2,517 |
| Net charge-offs to loans | 0.0879% | 4,287 |
| Credit loss provision to net charge-offs | 118.7845% | 3,301 |
| Earnings coverage of net charge-offs (x) | 23.6354% | 1,271 |
| Efficiency ratio | 62.8847% | 5,897 |
| Assets per employee ($millions) | 4.2439% | 3,181 |
| Cash dividends to net income (ytd only)* | 48.2781% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,887 |
| Loan loss allowance to noncurrent loans | 101.4997% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.7047% | 5,394 |
| Noncurrent loans to loans | 0.8539% | 5,317 |
| Net loans and leases to total assets | 75.8244% | 2,308 |
| Net loans and leases to deposits | 104.9052% | 949 |
| Net loans and leases to core deposits | 128.0784% | 1,780 |
| Total domestic deposits to total assets | 72.2790% | 7,166 |
| Equity capital to assets | 9.5620% | 4,583 |
| Core capital (leverage) ratio | 7.5641% | 7,072 |
| Tier 1 risk-based capital ratio | 9.9523% | 6,982 |
| Total risk-based capital ratio | 10.8559% | 7,272 |
| Memoranda: | ||
| Average total assets | $1,065,875,500 | 653 |
| Average earning assets | $962,718,500 | 655 |
| Average equity | $102,566,000 | 655 |
| Average total loans | $824,103,000 | 597 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1043% | 5,019 |
| Cost of funding earning assets | 2.2671% | 5,304 |
| Net interest margin | 3.8372% | 3,854 |
| Noninterest income to average assets | 1.5749% | 565 |
| Noninterest expense to average assets | 2.8544% | 4,583 |
| Loan and lease loss provision to assets | 0.1514% | 5,429 |
| Net operating income to assets | 1.4063% | 1,213 |
| Return on assets (ROA) | 1.4063% | 1,170 |
| Pretax return on assets | 1.9966% | 611 |
| Return on Equity (ROE) | 13.8488% | 1,134 |
| Retained earnings to average equity (ytd only) | 6.5759% | 1,308 |
| Net charge-offs to loans | 0.0596% | 5,928 |
| Credit loss provision to net charge-offs | 321.5078% | 1,404 |
| Earnings coverage of net charge-offs (x) | 45.6253% | 815 |
| Efficiency ratio | 56.5368% | 6,937 |
| Assets per employee ($millions) | 4.0681% | 3,376 |
| Cash dividends to net income (ytd only)* | 52.5163% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8702% | 6,807 |
| Loan loss allowance to noncurrent loans | 109.5596% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 0.6790% | 5,191 |
| Noncurrent loans to loans | 0.7943% | 5,054 |
| Net loans and leases to total assets | 77.4922% | 2,265 |
| Net loans and leases to deposits | 107.3740% | 1,014 |
| Net loans and leases to core deposits | 129.2649% | 1,909 |
| Total domestic deposits to total assets | 72.1704% | 6,969 |
| Equity capital to assets | 9.6853% | 4,442 |
| Core capital (leverage) ratio | 7.8077% | 6,788 |
| Tier 1 risk-based capital ratio | 9.8573% | 6,894 |
| Total risk-based capital ratio | 10.7655% | 7,215 |
| Memoranda: | ||
| Average total assets | $957,955,400 | 692 |
| Average earning assets | $855,680,800 | 706 |
| Average equity | $97,279,400 | 685 |
| Average total loans | $756,087,200 | 633 |