Home > UniBank for Savings > Performance and Condition Ratios
UniBank for Savings, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 3,632 |
| Cost of funding earning assets | 1.2716% | 2,595 |
| Net interest margin | 2.9233% | 3,433 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.0945% | 3,422 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.8505% | 2,702 |
| Return on assets (ROA) | 0.8505% | 2,679 |
| Pretax return on assets | 1.2039% | 2,129 |
| Return on Equity (ROE) | 13.4600% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.7537% | 662 |
| Net charge-offs to loans | -0.0635% | 4,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.7424% | 2,870 |
| Assets per employee ($millions) | 9.6894% | 773 |
| Cash dividends to net income (ytd only)* | 12.6600% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 1,485 |
| Loan loss allowance to noncurrent loans | 375.7019% | 1,741 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 1,808 |
| Noncurrent loans to loans | 0.3661% | 1,888 |
| Net loans and leases to total assets | 76.4800% | 1,057 |
| Net loans and leases to deposits | 87.3724% | 1,493 |
| Net loans and leases to core deposits | 100.7362% | 1,383 |
| Total domestic deposits to total assets | 87.5300% | 1,506 |
| Equity capital to assets | 7.0730% | 3,910 |
| Core capital (leverage) ratio | 8.5717% | 4,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7351% | 1,966 |
| Memoranda: | ||
| Average total assets | $2,553,923,800 | 458 |
| Average earning assets | $2,454,134,200 | 430 |
| Average equity | $161,413,000 | 637 |
| Average total loans | $1,934,510,600 | 416 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1258% | 3,610 |
| Cost of funding earning assets | 1.1522% | 2,583 |
| Net interest margin | 2.9736% | 3,394 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 2.0880% | 3,386 |
| Loan and lease loss provision to assets | 0.1100% | 1,081 |
| Net operating income to assets | 0.9012% | 2,672 |
| Return on assets (ROA) | 0.9012% | 2,661 |
| Pretax return on assets | 1.2483% | 2,174 |
| Return on Equity (ROE) | 14.6900% | 1,507 |
| Retained earnings to average equity (ytd only) | 12.3570% | 911 |
| Net charge-offs to loans | -0.0587% | 4,400 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.5107% | 2,905 |
| Assets per employee ($millions) | 9.8474% | 704 |
| Cash dividends to net income (ytd only)* | 15.8620% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3315% | 1,732 |
| Loan loss allowance to noncurrent loans | 852.9967% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1218% | 2,752 |
| Noncurrent loans to loans | 0.1561% | 2,770 |
| Net loans and leases to total assets | 76.9800% | 1,000 |
| Net loans and leases to deposits | 86.7298% | 1,489 |
| Net loans and leases to core deposits | 98.2262% | 1,432 |
| Total domestic deposits to total assets | 88.7600% | 1,328 |
| Equity capital to assets | 6.0911% | 3,957 |
| Core capital (leverage) ratio | 8.4078% | 4,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2842% | 2,168 |
| Memoranda: | ||
| Average total assets | $2,565,013,750 | 457 |
| Average earning assets | $2,464,592,500 | 427 |
| Average equity | $157,390,750 | 645 |
| Average total loans | $1,931,634,000 | 419 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,553 |
| Cost of funding earning assets | 1.0428% | 2,470 |
| Net interest margin | 3.0263% | 3,364 |
| Noninterest income to average assets | 0.5800% | 1,540 |
| Noninterest expense to average assets | 2.1014% | 3,343 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.8937% | 2,776 |
| Return on assets (ROA) | 0.8937% | 2,760 |
| Pretax return on assets | 1.2534% | 2,215 |
| Return on Equity (ROE) | 14.5300% | 1,568 |
| Retained earnings to average equity (ytd only) | 14.5295% | 617 |
| Net charge-offs to loans | -0.0607% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.1371% | 2,946 |
| Assets per employee ($millions) | 10.1729% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 1,884 |
| Loan loss allowance to noncurrent loans | 859.5150% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 2,769 |
| Noncurrent loans to loans | 0.1525% | 2,709 |
| Net loans and leases to total assets | 71.5200% | 1,582 |
| Net loans and leases to deposits | 81.9268% | 1,834 |
| Net loans and leases to core deposits | 92.0640% | 1,683 |
| Total domestic deposits to total assets | 87.3000% | 1,831 |
| Equity capital to assets | 6.1338% | 4,114 |
| Core capital (leverage) ratio | 7.9745% | 4,416 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1122% | 2,253 |
| Memoranda: | ||
| Average total assets | $2,579,705,000 | 437 |
| Average earning assets | $2,480,160,333 | 413 |
| Average equity | $158,670,333 | 638 |
| Average total loans | $1,919,921,333 | 403 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8784% | 3,717 |
| Cost of funding earning assets | 0.8187% | 2,663 |
| Net interest margin | 3.0597% | 3,439 |
| Noninterest income to average assets | 0.5900% | 1,458 |
| Noninterest expense to average assets | 2.2038% | 3,091 |
| Loan and lease loss provision to assets | 0.1400% | 788 |
| Net operating income to assets | 0.8389% | 3,055 |
| Return on assets (ROA) | 0.8389% | 3,014 |
| Pretax return on assets | 1.1816% | 2,474 |
| Return on Equity (ROE) | 13.6200% | 1,855 |
| Retained earnings to average equity (ytd only) | 13.6186% | 992 |
| Net charge-offs to loans | -0.0503% | 4,360 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 62.4680% | 2,637 |
| Assets per employee ($millions) | 9.9299% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 2,220 |
| Loan loss allowance to noncurrent loans | 919.5455% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.1034% | 2,800 |
| Noncurrent loans to loans | 0.1374% | 2,813 |
| Net loans and leases to total assets | 74.3200% | 1,161 |
| Net loans and leases to deposits | 85.7412% | 1,376 |
| Net loans and leases to core deposits | 92.9392% | 1,457 |
| Total domestic deposits to total assets | 86.6800% | 2,378 |
| Equity capital to assets | 6.3482% | 4,084 |
| Core capital (leverage) ratio | 8.2268% | 4,321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8989% | 2,425 |
| Memoranda: | ||
| Average total assets | $2,526,739,500 | 460 |
| Average earning assets | $2,426,143,000 | 433 |
| Average equity | $155,640,000 | 662 |
| Average total loans | $1,906,702,500 | 415 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1626% | 3,885 |
| Cost of funding earning assets | 0.1803% | 3,905 |
| Net interest margin | 2.9823% | 3,494 |
| Noninterest income to average assets | 0.6000% | 1,644 |
| Noninterest expense to average assets | 2.1294% | 3,221 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 0.8309% | 3,221 |
| Return on assets (ROA) | 0.8309% | 3,144 |
| Pretax return on assets | 1.1476% | 2,614 |
| Return on Equity (ROE) | 12.5700% | 1,943 |
| Retained earnings to average equity (ytd only) | 11.6355% | 754 |
| Net charge-offs to loans | -0.0716% | 4,437 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.4295% | 2,850 |
| Assets per employee ($millions) | 9.5477% | 770 |
| Cash dividends to net income (ytd only)* | 7.4612% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,245 |
| Loan loss allowance to noncurrent loans | 995.8102% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 2,896 |
| Noncurrent loans to loans | 0.1236% | 2,900 |
| Net loans and leases to total assets | 74.7200% | 1,151 |
| Net loans and leases to deposits | 88.9879% | 1,118 |
| Net loans and leases to core deposits | 91.6450% | 1,413 |
| Total domestic deposits to total assets | 83.9700% | 3,216 |
| Equity capital to assets | 5.9675% | 4,099 |
| Core capital (leverage) ratio | 8.2673% | 4,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6882% | 2,492 |
| Memoranda: | ||
| Average total assets | $2,419,621,400 | 461 |
| Average earning assets | $2,329,463,800 | 441 |
| Average equity | $159,889,400 | 647 |
| Average total loans | $1,699,614,400 | 429 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9777% | 3,923 |
| Cost of funding earning assets | 0.1079% | 4,219 |
| Net interest margin | 2.8698% | 3,567 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.1618% | 3,036 |
| Loan and lease loss provision to assets | 0.1800% | 519 |
| Net operating income to assets | 0.7317% | 3,476 |
| Return on assets (ROA) | 0.7317% | 3,424 |
| Pretax return on assets | 1.0581% | 2,849 |
| Return on Equity (ROE) | 10.8000% | 2,467 |
| Retained earnings to average equity (ytd only) | 10.3904% | 1,228 |
| Net charge-offs to loans | -0.0807% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.6037% | 2,607 |
| Assets per employee ($millions) | 8.6994% | 993 |
| Cash dividends to net income (ytd only)* | 3.7974% | 3,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1996% | 2,528 |
| Loan loss allowance to noncurrent loans | 714.9490% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1242% | 2,737 |
| Noncurrent loans to loans | 0.1678% | 2,755 |
| Net loans and leases to total assets | 73.1600% | 1,168 |
| Net loans and leases to deposits | 83.7190% | 1,323 |
| Net loans and leases to core deposits | 85.1355% | 1,575 |
| Total domestic deposits to total assets | 87.3800% | 2,629 |
| Equity capital to assets | 5.7033% | 4,074 |
| Core capital (leverage) ratio | 8.3257% | 4,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6762% | 2,584 |
| Memoranda: | ||
| Average total assets | $2,399,151,000 | 465 |
| Average earning assets | $2,312,778,750 | 445 |
| Average equity | $162,542,750 | 640 |
| Average total loans | $1,651,386,750 | 436 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8019% | 3,973 |
| Cost of funding earning assets | 0.0781% | 4,396 |
| Net interest margin | 2.7238% | 3,655 |
| Noninterest income to average assets | 0.6817% | 1,425 |
| Noninterest expense to average assets | 2.1444% | 3,021 |
| Loan and lease loss provision to assets | 0.1510% | 631 |
| Net operating income to assets | 0.7053% | 3,295 |
| Return on assets (ROA) | 0.7053% | 3,245 |
| Pretax return on assets | 1.0158% | 2,666 |
| Return on Equity (ROE) | 9.8760% | 2,378 |
| Retained earnings to average equity (ytd only) | 9.8760% | 1,056 |
| Net charge-offs to loans | -0.0915% | 4,414 |
| Credit loss provision to net charge-offs | -246.2380% | 3,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7622% | 2,673 |
| Assets per employee ($millions) | 9.0879% | 854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1948% | 2,705 |
| Loan loss allowance to noncurrent loans | 540.1403% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 2,631 |
| Noncurrent loans to loans | 0.2212% | 2,616 |
| Net loans and leases to total assets | 69.0136% | 1,393 |
| Net loans and leases to deposits | 79.3001% | 1,435 |
| Net loans and leases to core deposits | 80.8257% | 1,668 |
| Total domestic deposits to total assets | 87.0283% | 2,926 |
| Equity capital to assets | 6.4426% | 4,039 |
| Core capital (leverage) ratio | 8.1250% | 4,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1780% | 2,424 |
| Memoranda: | ||
| Average total assets | $2,384,026,000 | 463 |
| Average earning assets | $2,301,427,333 | 446 |
| Average equity | $170,250,667 | 621 |
| Average total loans | $1,598,512,333 | 438 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6576% | 4,015 |
| Cost of funding earning assets | 0.0836% | 4,312 |
| Net interest margin | 2.5741% | 3,727 |
| Noninterest income to average assets | 0.6904% | 1,342 |
| Noninterest expense to average assets | 2.1781% | 2,900 |
| Loan and lease loss provision to assets | 0.1599% | 484 |
| Net operating income to assets | 0.5844% | 3,446 |
| Return on assets (ROA) | 0.5844% | 3,430 |
| Pretax return on assets | 0.8416% | 2,970 |
| Return on Equity (ROE) | 7.7983% | 2,759 |
| Retained earnings to average equity (ytd only) | 7.7983% | 1,642 |
| Net charge-offs to loans | -0.0674% | 4,357 |
| Credit loss provision to net charge-offs | -361.2167% | 3,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5019% | 2,446 |
| Assets per employee ($millions) | 9.2735% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1776% | 2,978 |
| Loan loss allowance to noncurrent loans | 438.6726% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 2,541 |
| Noncurrent loans to loans | 0.2685% | 2,514 |
| Net loans and leases to total assets | 66.1176% | 1,398 |
| Net loans and leases to deposits | 76.5991% | 1,395 |
| Net loans and leases to core deposits | 78.0135% | 1,610 |
| Total domestic deposits to total assets | 86.3163% | 3,161 |
| Equity capital to assets | 7.0649% | 4,181 |
| Core capital (leverage) ratio | 8.2493% | 4,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3709% | 2,456 |
| Memoranda: | ||
| Average total assets | $2,376,430,000 | 470 |
| Average earning assets | $2,297,991,500 | 452 |
| Average equity | $178,090,000 | 608 |
| Average total loans | $1,559,864,000 | 447 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5450% | 4,449 |
| Cost of funding earning assets | 0.1121% | 4,292 |
| Net interest margin | 2.4329% | 4,276 |
| Noninterest income to average assets | 0.7943% | 1,459 |
| Noninterest expense to average assets | 2.2367% | 2,975 |
| Loan and lease loss provision to assets | 0.2511% | 367 |
| Net operating income to assets | 0.4852% | 4,124 |
| Return on assets (ROA) | 0.4902% | 4,155 |
| Pretax return on assets | 0.6626% | 4,006 |
| Return on Equity (ROE) | 6.3745% | 3,681 |
| Retained earnings to average equity (ytd only) | 6.3745% | 2,190 |
| Net charge-offs to loans | 0.7363% | 102 |
| Credit loss provision to net charge-offs | 57.2499% | 2,085 |
| Earnings coverage of net charge-offs (x) | 2.0687% | 2,594 |
| Efficiency ratio | 71.1405% | 1,599 |
| Assets per employee ($millions) | 9.1143% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1422% | 3,162 |
| Loan loss allowance to noncurrent loans | 413.1318% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.1780% | 2,694 |
| Noncurrent loans to loans | 0.2765% | 2,615 |
| Net loans and leases to total assets | 63.6397% | 1,746 |
| Net loans and leases to deposits | 75.1396% | 1,632 |
| Net loans and leases to core deposits | 76.6183% | 1,865 |
| Total domestic deposits to total assets | 84.6953% | 3,361 |
| Equity capital to assets | 7.9222% | 4,402 |
| Core capital (leverage) ratio | 7.5057% | 4,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4782% | 2,460 |
| Memoranda: | ||
| Average total assets | $2,404,121,800 | 450 |
| Average earning assets | $2,321,883,000 | 429 |
| Average equity | $184,892,800 | 589 |
| Average total loans | $1,432,225,400 | 481 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5083% | 4,565 |
| Cost of funding earning assets | 0.1166% | 4,372 |
| Net interest margin | 2.3917% | 4,407 |
| Noninterest income to average assets | 0.6942% | 1,841 |
| Noninterest expense to average assets | 2.1883% | 3,107 |
| Loan and lease loss provision to assets | 0.3861% | 170 |
| Net operating income to assets | 0.3305% | 4,477 |
| Return on assets (ROA) | 0.3372% | 4,490 |
| Pretax return on assets | 0.4357% | 4,446 |
| Return on Equity (ROE) | 4.4172% | 4,240 |
| Retained earnings to average equity (ytd only) | 4.4172% | 3,439 |
| Net charge-offs to loans | 1.0288% | 62 |
| Credit loss provision to net charge-offs | 64.2726% | 1,783 |
| Earnings coverage of net charge-offs (x) | 1.3541% | 2,379 |
| Efficiency ratio | 72.9020% | 1,322 |
| Assets per employee ($millions) | 9.7618% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2269% | 2,859 |
| Loan loss allowance to noncurrent loans | 296.2721% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 1,774 |
| Noncurrent loans to loans | 0.4141% | 2,318 |
| Net loans and leases to total assets | 56.8183% | 2,636 |
| Net loans and leases to deposits | 71.0462% | 2,139 |
| Net loans and leases to core deposits | 72.4549% | 2,386 |
| Total domestic deposits to total assets | 79.9736% | 4,230 |
| Equity capital to assets | 7.2523% | 4,767 |
| Core capital (leverage) ratio | 7.3788% | 4,734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5291% | 2,538 |
| Memoranda: | ||
| Average total assets | $2,410,444,000 | 454 |
| Average earning assets | $2,325,544,750 | 436 |
| Average equity | $184,001,750 | 594 |
| Average total loans | $1,407,438,250 | 492 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4563% | 4,648 |
| Cost of funding earning assets | 0.1224% | 4,423 |
| Net interest margin | 2.3339% | 4,486 |
| Noninterest income to average assets | 0.7476% | 1,677 |
| Noninterest expense to average assets | 2.3302% | 2,671 |
| Loan and lease loss provision to assets | 0.5029% | 108 |
| Net operating income to assets | 0.1353% | 4,674 |
| Return on assets (ROA) | 0.1494% | 4,689 |
| Pretax return on assets | 0.1790% | 4,685 |
| Return on Equity (ROE) | 1.9217% | 4,603 |
| Retained earnings to average equity (ytd only) | 1.9217% | 4,131 |
| Net charge-offs to loans | 1.5901% | 40 |
| Credit loss provision to net charge-offs | 53.8797% | 1,587 |
| Earnings coverage of net charge-offs (x) | 0.7125% | 2,182 |
| Efficiency ratio | 77.7954% | 925 |
| Assets per employee ($millions) | 9.9517% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1946% | 2,964 |
| Loan loss allowance to noncurrent loans | 233.4345% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4652% | 1,797 |
| Noncurrent loans to loans | 0.5117% | 2,141 |
| Net loans and leases to total assets | 54.3095% | 3,099 |
| Net loans and leases to deposits | 64.0727% | 2,996 |
| Net loans and leases to core deposits | 65.3107% | 3,175 |
| Total domestic deposits to total assets | 84.7623% | 3,193 |
| Equity capital to assets | 7.0956% | 4,826 |
| Core capital (leverage) ratio | 7.4033% | 4,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8313% | 2,429 |
| Memoranda: | ||
| Average total assets | $2,358,141,333 | 458 |
| Average earning assets | $2,271,091,000 | 442 |
| Average equity | $183,271,667 | 591 |
| Average total loans | $1,384,302,667 | 506 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5226% | 4,631 |
| Cost of funding earning assets | 0.1358% | 4,410 |
| Net interest margin | 2.3868% | 4,428 |
| Noninterest income to average assets | 0.7911% | 1,601 |
| Noninterest expense to average assets | 2.3620% | 2,616 |
| Loan and lease loss provision to assets | 0.4892% | 136 |
| Net operating income to assets | 0.1845% | 4,646 |
| Return on assets (ROA) | 0.2147% | 4,648 |
| Pretax return on assets | 0.2704% | 4,624 |
| Return on Equity (ROE) | 2.6316% | 4,537 |
| Retained earnings to average equity (ytd only) | 2.6316% | 3,892 |
| Net charge-offs to loans | 0.0257% | 1,241 |
| Credit loss provision to net charge-offs | 3,125.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 46.0795% | 930 |
| Efficiency ratio | 76.6040% | 1,076 |
| Assets per employee ($millions) | 9.2301% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 877 |
| Loan loss allowance to noncurrent loans | 143.4338% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 0.9393% | 898 |
| Noncurrent loans to loans | 1.2522% | 1,041 |
| Net loans and leases to total assets | 57.7424% | 2,825 |
| Net loans and leases to deposits | 67.4654% | 2,756 |
| Net loans and leases to core deposits | 68.9280% | 2,972 |
| Total domestic deposits to total assets | 85.5881% | 2,897 |
| Equity capital to assets | 7.7952% | 4,596 |
| Core capital (leverage) ratio | 8.0905% | 4,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8383% | 1,949 |
| Memoranda: | ||
| Average total assets | $2,248,463,500 | 469 |
| Average earning assets | $2,159,366,500 | 454 |
| Average equity | $183,463,000 | 583 |
| Average total loans | $1,368,079,000 | 517 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0000% | 4,634 |
| Cost of funding earning assets | 0.3565% | 3,839 |
| Net interest margin | 2.6435% | 4,444 |
| Noninterest income to average assets | 0.8958% | 1,277 |
| Noninterest expense to average assets | 2.4427% | 3,016 |
| Loan and lease loss provision to assets | 0.3756% | 870 |
| Net operating income to assets | 0.4565% | 4,124 |
| Return on assets (ROA) | 0.4565% | 4,207 |
| Pretax return on assets | 0.6174% | 4,045 |
| Return on Equity (ROE) | 5.4851% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.4851% | 2,052 |
| Net charge-offs to loans | -0.0183% | 4,400 |
| Credit loss provision to net charge-offs | -2,980.7692% | 4,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0973% | 1,798 |
| Assets per employee ($millions) | 8.7875% | 802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6140% | 1,256 |
| Loan loss allowance to noncurrent loans | 115.8565% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.1085% | 823 |
| Noncurrent loans to loans | 1.3931% | 979 |
| Net loans and leases to total assets | 62.0382% | 2,607 |
| Net loans and leases to deposits | 68.9913% | 2,981 |
| Net loans and leases to core deposits | 70.7676% | 3,200 |
| Total domestic deposits to total assets | 89.9219% | 597 |
| Equity capital to assets | 8.5531% | 4,411 |
| Core capital (leverage) ratio | 8.3093% | 4,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8866% | 1,890 |
| Memoranda: | ||
| Average total assets | $2,063,398,000 | 463 |
| Average earning assets | $1,982,583,800 | 449 |
| Average equity | $171,738,200 | 590 |
| Average total loans | $1,419,069,600 | 471 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0475% | 4,703 |
| Cost of funding earning assets | 0.4185% | 3,714 |
| Net interest margin | 2.6290% | 4,546 |
| Noninterest income to average assets | 0.8691% | 1,309 |
| Noninterest expense to average assets | 2.4836% | 2,896 |
| Loan and lease loss provision to assets | 0.4120% | 834 |
| Net operating income to assets | 0.3788% | 4,307 |
| Return on assets (ROA) | 0.3788% | 4,369 |
| Pretax return on assets | 0.5013% | 4,276 |
| Return on Equity (ROE) | 4.5852% | 4,009 |
| Retained earnings to average equity (ytd only) | 4.5852% | 2,754 |
| Net charge-offs to loans | 0.1617% | 913 |
| Credit loss provision to net charge-offs | 362.4856% | 1,567 |
| Earnings coverage of net charge-offs (x) | 8.0357% | 2,529 |
| Efficiency ratio | 73.1134% | 1,507 |
| Assets per employee ($millions) | 8.4282% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,227 |
| Loan loss allowance to noncurrent loans | 134.7864% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 1,292 |
| Noncurrent loans to loans | 0.9525% | 1,586 |
| Net loans and leases to total assets | 67.9710% | 2,248 |
| Net loans and leases to deposits | 75.6178% | 2,790 |
| Net loans and leases to core deposits | 77.7153% | 3,035 |
| Total domestic deposits to total assets | 89.8875% | 462 |
| Equity capital to assets | 8.6431% | 4,375 |
| Core capital (leverage) ratio | 8.3532% | 4,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4182% | 2,027 |
| Memoranda: | ||
| Average total assets | $2,038,817,750 | 461 |
| Average earning assets | $1,960,359,750 | 442 |
| Average equity | $168,449,500 | 598 |
| Average total loans | $1,433,064,000 | 459 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1421% | 4,763 |
| Cost of funding earning assets | 0.4853% | 3,623 |
| Net interest margin | 2.6568% | 4,604 |
| Noninterest income to average assets | 0.8433% | 1,310 |
| Noninterest expense to average assets | 2.5465% | 2,836 |
| Loan and lease loss provision to assets | 0.4359% | 890 |
| Net operating income to assets | 0.3219% | 4,379 |
| Return on assets (ROA) | 0.3219% | 4,430 |
| Pretax return on assets | 0.4208% | 4,386 |
| Return on Equity (ROE) | 3.9589% | 4,117 |
| Retained earnings to average equity (ytd only) | 3.9589% | 2,930 |
| Net charge-offs to loans | 0.2318% | 678 |
| Credit loss provision to net charge-offs | 265.7005% | 1,705 |
| Earnings coverage of net charge-offs (x) | 5.2222% | 2,530 |
| Efficiency ratio | 74.8261% | 1,385 |
| Assets per employee ($millions) | 8.7870% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 2,868 |
| Loan loss allowance to noncurrent loans | 112.5504% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.8890% | 1,376 |
| Noncurrent loans to loans | 1.0057% | 1,547 |
| Net loans and leases to total assets | 65.4881% | 2,698 |
| Net loans and leases to deposits | 72.0255% | 3,259 |
| Net loans and leases to core deposits | 73.9814% | 3,463 |
| Total domestic deposits to total assets | 90.9234% | 162 |
| Equity capital to assets | 7.4788% | 4,882 |
| Core capital (leverage) ratio | 7.3612% | 4,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2799% | 2,893 |
| Memoranda: | ||
| Average total assets | $2,018,880,667 | 457 |
| Average earning assets | $1,945,220,667 | 441 |
| Average equity | $164,137,000 | 614 |
| Average total loans | $1,429,081,667 | 454 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4057% | 4,727 |
| Cost of funding earning assets | 0.5567% | 3,655 |
| Net interest margin | 2.8490% | 4,503 |
| Noninterest income to average assets | 0.7264% | 1,544 |
| Noninterest expense to average assets | 2.7350% | 2,616 |
| Loan and lease loss provision to assets | 0.1569% | 1,834 |
| Net operating income to assets | 0.4466% | 4,029 |
| Return on assets (ROA) | 0.4466% | 4,078 |
| Pretax return on assets | 0.5844% | 3,942 |
| Return on Equity (ROE) | 5.2474% | 3,556 |
| Retained earnings to average equity (ytd only) | 5.2474% | 2,177 |
| Net charge-offs to loans | -0.0171% | 4,276 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6763% | 1,264 |
| Assets per employee ($millions) | 7.7625% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0477% | 3,454 |
| Loan loss allowance to noncurrent loans | 100.7488% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.7513% | 1,799 |
| Noncurrent loans to loans | 1.0399% | 1,601 |
| Net loans and leases to total assets | 67.9502% | 2,546 |
| Net loans and leases to deposits | 81.7572% | 2,485 |
| Net loans and leases to core deposits | 84.7568% | 2,782 |
| Total domestic deposits to total assets | 83.1122% | 3,075 |
| Equity capital to assets | 8.0546% | 4,959 |
| Core capital (leverage) ratio | 8.7380% | 4,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9276% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,912,371,500 | 465 |
| Average earning assets | $1,845,866,000 | 448 |
| Average equity | $162,746,000 | 612 |
| Average total loans | $1,404,441,500 | 451 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8221% | 4,532 |
| Cost of funding earning assets | 0.7219% | 3,062 |
| Net interest margin | 3.1002% | 4,365 |
| Noninterest income to average assets | 0.6789% | 1,887 |
| Noninterest expense to average assets | 2.6288% | 3,097 |
| Loan and lease loss provision to assets | 0.3325% | 475 |
| Net operating income to assets | 0.5502% | 4,285 |
| Return on assets (ROA) | 0.5502% | 4,344 |
| Pretax return on assets | 0.7085% | 4,194 |
| Return on Equity (ROE) | 6.3533% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.3533% | 1,689 |
| Net charge-offs to loans | 0.3966% | 493 |
| Credit loss provision to net charge-offs | 112.9985% | 2,223 |
| Earnings coverage of net charge-offs (x) | 3.5378% | 3,312 |
| Efficiency ratio | 71.6343% | 1,921 |
| Assets per employee ($millions) | 6.5470% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0019% | 3,496 |
| Loan loss allowance to noncurrent loans | 97.4505% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.8554% | 1,502 |
| Noncurrent loans to loans | 1.0281% | 1,476 |
| Net loans and leases to total assets | 78.1993% | 1,050 |
| Net loans and leases to deposits | 86.7196% | 2,007 |
| Net loans and leases to core deposits | 90.5738% | 2,367 |
| Total domestic deposits to total assets | 90.1749% | 266 |
| Equity capital to assets | 9.0404% | 4,668 |
| Core capital (leverage) ratio | 8.8083% | 4,661 |
| Tier 1 risk-based capital ratio | 11.9055% | 4,418 |
| Total risk-based capital ratio | 12.9635% | 4,400 |
| Memoranda: | ||
| Average total assets | $1,772,742,000 | 476 |
| Average earning assets | $1,710,195,400 | 453 |
| Average equity | $153,525,400 | 610 |
| Average total loans | $1,315,270,200 | 460 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,629 |
| Cost of funding earning assets | 0.7361% | 3,032 |
| Net interest margin | 3.0982% | 4,478 |
| Noninterest income to average assets | 0.7057% | 1,757 |
| Noninterest expense to average assets | 2.6251% | 3,088 |
| Loan and lease loss provision to assets | 0.2851% | 522 |
| Net operating income to assets | 0.6061% | 4,281 |
| Return on assets (ROA) | 0.6061% | 4,336 |
| Pretax return on assets | 0.7846% | 4,158 |
| Return on Equity (ROE) | 7.0765% | 3,648 |
| Retained earnings to average equity (ytd only) | 7.0765% | 1,829 |
| Net charge-offs to loans | 0.2807% | 625 |
| Credit loss provision to net charge-offs | 139.1416% | 1,727 |
| Earnings coverage of net charge-offs (x) | 5.2208% | 2,936 |
| Efficiency ratio | 71.0496% | 1,963 |
| Assets per employee ($millions) | 6.2993% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,022 |
| Loan loss allowance to noncurrent loans | 207.8791% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 2,777 |
| Noncurrent loans to loans | 0.5299% | 2,697 |
| Net loans and leases to total assets | 73.1928% | 1,962 |
| Net loans and leases to deposits | 81.1757% | 2,782 |
| Net loans and leases to core deposits | 84.7895% | 3,014 |
| Total domestic deposits to total assets | 90.1659% | 246 |
| Equity capital to assets | 8.9693% | 4,796 |
| Core capital (leverage) ratio | 8.8583% | 4,741 |
| Tier 1 risk-based capital ratio | 12.5661% | 4,104 |
| Total risk-based capital ratio | 13.7189% | 4,042 |
| Memoranda: | ||
| Average total assets | $1,774,006,500 | 474 |
| Average earning assets | $1,711,504,250 | 456 |
| Average equity | $151,955,500 | 616 |
| Average total loans | $1,295,011,000 | 467 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 4,670 |
| Cost of funding earning assets | 0.7221% | 3,032 |
| Net interest margin | 3.1099% | 4,515 |
| Noninterest income to average assets | 0.7009% | 1,710 |
| Noninterest expense to average assets | 2.6299% | 3,121 |
| Loan and lease loss provision to assets | 0.0892% | 2,059 |
| Net operating income to assets | 0.7494% | 3,831 |
| Return on assets (ROA) | 0.7494% | 3,899 |
| Pretax return on assets | 0.9828% | 3,605 |
| Return on Equity (ROE) | 8.8875% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.8875% | 1,066 |
| Net charge-offs to loans | 0.2979% | 572 |
| Credit loss provision to net charge-offs | 41.2162% | 2,525 |
| Earnings coverage of net charge-offs (x) | 4.9517% | 2,700 |
| Efficiency ratio | 71.0417% | 2,063 |
| Assets per employee ($millions) | 6.0804% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 3,904 |
| Loan loss allowance to noncurrent loans | 178.2933% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4250% | 2,816 |
| Noncurrent loans to loans | 0.5289% | 2,691 |
| Net loans and leases to total assets | 71.5810% | 2,267 |
| Net loans and leases to deposits | 79.0209% | 3,059 |
| Net loans and leases to core deposits | 82.1052% | 3,262 |
| Total domestic deposits to total assets | 90.5849% | 180 |
| Equity capital to assets | 8.7239% | 4,940 |
| Core capital (leverage) ratio | 8.3805% | 5,022 |
| Tier 1 risk-based capital ratio | 12.6489% | 4,048 |
| Total risk-based capital ratio | 13.6426% | 4,065 |
| Memoranda: | ||
| Average total assets | $1,777,405,000 | 473 |
| Average earning assets | $1,715,192,330 | 449 |
| Average equity | $149,873,670 | 620 |
| Average total loans | $1,291,561,000 | 467 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,778 |
| Cost of funding earning assets | 0.6782% | 3,162 |
| Net interest margin | 3.0735% | 4,634 |
| Noninterest income to average assets | 0.6699% | 1,726 |
| Noninterest expense to average assets | 2.6273% | 3,134 |
| Loan and lease loss provision to assets | 0.1113% | 1,595 |
| Net operating income to assets | 0.6877% | 3,978 |
| Return on assets (ROA) | 0.6877% | 4,017 |
| Pretax return on assets | 0.8974% | 3,777 |
| Return on Equity (ROE) | 8.3004% | 3,114 |
| Retained earnings to average equity (ytd only) | 8.3004% | 1,548 |
| Net charge-offs to loans | 0.6012% | 247 |
| Credit loss provision to net charge-offs | 25.3993% | 2,112 |
| Earnings coverage of net charge-offs (x) | 2.3024% | 2,508 |
| Efficiency ratio | 72.2595% | 1,995 |
| Assets per employee ($millions) | 6.3858% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 4,072 |
| Loan loss allowance to noncurrent loans | 223.4696% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,239 |
| Noncurrent loans to loans | 0.4121% | 3,111 |
| Net loans and leases to total assets | 71.6483% | 2,219 |
| Net loans and leases to deposits | 78.7310% | 2,975 |
| Net loans and leases to core deposits | 81.9237% | 3,192 |
| Total domestic deposits to total assets | 91.0039% | 173 |
| Equity capital to assets | 8.3984% | 5,041 |
| Core capital (leverage) ratio | 8.7742% | 4,811 |
| Tier 1 risk-based capital ratio | 12.3429% | 4,272 |
| Total risk-based capital ratio | 13.3100% | 4,320 |
| Memoranda: | ||
| Average total assets | $1,772,295,500 | 477 |
| Average earning assets | $1,710,362,000 | 456 |
| Average equity | $146,835,500 | 626 |
| Average total loans | $1,291,451,500 | 464 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4976% | 4,917 |
| Cost of funding earning assets | 0.5160% | 3,252 |
| Net interest margin | 2.9816% | 4,819 |
| Noninterest income to average assets | 0.6813% | 1,927 |
| Noninterest expense to average assets | 2.5775% | 3,397 |
| Loan and lease loss provision to assets | 0.0754% | 2,618 |
| Net operating income to assets | 0.6850% | 4,180 |
| Return on assets (ROA) | 0.6850% | 4,184 |
| Pretax return on assets | 0.8974% | 3,904 |
| Return on Equity (ROE) | 8.4311% | 3,255 |
| Retained earnings to average equity (ytd only) | 8.4311% | 1,072 |
| Net charge-offs to loans | 0.1164% | 1,585 |
| Credit loss provision to net charge-offs | 89.2882% | 2,732 |
| Earnings coverage of net charge-offs (x) | 11.5218% | 2,619 |
| Efficiency ratio | 72.6001% | 1,831 |
| Assets per employee ($millions) | 6.7087% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8738% | 4,284 |
| Loan loss allowance to noncurrent loans | 145.3611% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 2,635 |
| Noncurrent loans to loans | 0.6011% | 2,477 |
| Net loans and leases to total assets | 72.7288% | 2,142 |
| Net loans and leases to deposits | 81.7280% | 2,768 |
| Net loans and leases to core deposits | 87.4183% | 2,799 |
| Total domestic deposits to total assets | 88.9889% | 861 |
| Equity capital to assets | 8.2448% | 5,066 |
| Core capital (leverage) ratio | 8.8022% | 4,808 |
| Tier 1 risk-based capital ratio | 12.0339% | 4,409 |
| Total risk-based capital ratio | 12.9584% | 4,499 |
| Memoranda: | ||
| Average total assets | $1,713,894,800 | 479 |
| Average earning assets | $1,649,123,600 | 457 |
| Average equity | $139,259,000 | 623 |
| Average total loans | $1,243,578,400 | 467 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4699% | 4,958 |
| Cost of funding earning assets | 0.4817% | 3,322 |
| Net interest margin | 2.9882% | 4,867 |
| Noninterest income to average assets | 0.6970% | 1,872 |
| Noninterest expense to average assets | 2.5313% | 3,497 |
| Loan and lease loss provision to assets | 0.0733% | 2,488 |
| Net operating income to assets | 0.7419% | 4,100 |
| Return on assets (ROA) | 0.7419% | 4,108 |
| Pretax return on assets | 0.9653% | 3,835 |
| Return on Equity (ROE) | 9.1661% | 3,016 |
| Retained earnings to average equity (ytd only) | 9.1661% | 1,160 |
| Net charge-offs to loans | 0.0054% | 3,240 |
| Credit loss provision to net charge-offs | 1,870.0000% | 229 |
| Earnings coverage of net charge-offs (x) | 265.0201% | 352 |
| Efficiency ratio | 70.9073% | 2,052 |
| Assets per employee ($millions) | 6.0368% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 3,930 |
| Loan loss allowance to noncurrent loans | 100.2434% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7971% | 1,856 |
| Noncurrent loans to loans | 0.9704% | 1,752 |
| Net loans and leases to total assets | 76.5818% | 1,570 |
| Net loans and leases to deposits | 84.5410% | 2,535 |
| Net loans and leases to core deposits | 86.8467% | 2,935 |
| Total domestic deposits to total assets | 90.5853% | 317 |
| Equity capital to assets | 8.5669% | 4,883 |
| Core capital (leverage) ratio | 8.7498% | 4,922 |
| Tier 1 risk-based capital ratio | 12.1758% | 4,391 |
| Total risk-based capital ratio | 13.1817% | 4,419 |
| Memoranda: | ||
| Average total assets | $1,701,274,250 | 479 |
| Average earning assets | $1,635,578,500 | 460 |
| Average equity | $137,706,250 | 623 |
| Average total loans | $1,230,842,250 | 470 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3911% | 5,050 |
| Cost of funding earning assets | 0.4431% | 3,398 |
| Net interest margin | 2.9480% | 4,949 |
| Noninterest income to average assets | 0.7007% | 1,866 |
| Noninterest expense to average assets | 2.4929% | 3,649 |
| Loan and lease loss provision to assets | 0.0765% | 2,370 |
| Net operating income to assets | 0.7416% | 4,063 |
| Return on assets (ROA) | 0.7416% | 4,063 |
| Pretax return on assets | 0.9655% | 3,762 |
| Return on Equity (ROE) | 9.3359% | 2,875 |
| Retained earnings to average equity (ytd only) | 9.3359% | 1,115 |
| Net charge-offs to loans | 0.0084% | 2,825 |
| Credit loss provision to net charge-offs | 1,290.1961% | 325 |
| Earnings coverage of net charge-offs (x) | 175.8039% | 463 |
| Efficiency ratio | 70.5240% | 2,236 |
| Assets per employee ($millions) | 6.9470% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,989 |
| Loan loss allowance to noncurrent loans | 626.5698% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.1496% | 4,242 |
| Noncurrent loans to loans | 0.1554% | 4,208 |
| Net loans and leases to total assets | 68.2393% | 2,830 |
| Net loans and leases to deposits | 74.9001% | 3,448 |
| Net loans and leases to core deposits | 76.8305% | 3,676 |
| Total domestic deposits to total assets | 91.1071% | 226 |
| Equity capital to assets | 7.7087% | 5,317 |
| Core capital (leverage) ratio | 7.9613% | 5,357 |
| Tier 1 risk-based capital ratio | 12.1732% | 4,388 |
| Total risk-based capital ratio | 13.2091% | 4,399 |
| Memoranda: | ||
| Average total assets | $1,721,032,670 | 476 |
| Average earning assets | $1,654,565,330 | 450 |
| Average equity | $136,719,000 | 625 |
| Average total loans | $1,217,848,000 | 471 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3142% | 5,122 |
| Cost of funding earning assets | 0.4206% | 3,439 |
| Net interest margin | 2.8936% | 5,042 |
| Noninterest income to average assets | 0.6583% | 2,001 |
| Noninterest expense to average assets | 2.4974% | 3,653 |
| Loan and lease loss provision to assets | 0.0763% | 2,237 |
| Net operating income to assets | 0.6730% | 4,196 |
| Return on assets (ROA) | 0.6730% | 4,199 |
| Pretax return on assets | 0.8678% | 3,958 |
| Return on Equity (ROE) | 8.3402% | 3,227 |
| Retained earnings to average equity (ytd only) | 8.3402% | 1,717 |
| Net charge-offs to loans | 0.0308% | 1,882 |
| Credit loss provision to net charge-offs | 345.1613% | 751 |
| Earnings coverage of net charge-offs (x) | 42.6882% | 1,034 |
| Efficiency ratio | 72.5658% | 2,110 |
| Assets per employee ($millions) | 6.6771% | 1,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9603% | 4,172 |
| Loan loss allowance to noncurrent loans | 506.9354% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 4,120 |
| Noncurrent loans to loans | 0.1894% | 4,116 |
| Net loans and leases to total assets | 68.4263% | 2,714 |
| Net loans and leases to deposits | 74.6056% | 3,353 |
| Net loans and leases to core deposits | 76.5605% | 3,618 |
| Total domestic deposits to total assets | 91.7173% | 146 |
| Equity capital to assets | 7.7156% | 5,361 |
| Core capital (leverage) ratio | 8.3659% | 5,221 |
| Tier 1 risk-based capital ratio | 12.1298% | 4,477 |
| Total risk-based capital ratio | 13.1581% | 4,498 |
| Memoranda: | ||
| Average total assets | $1,681,917,000 | 489 |
| Average earning assets | $1,617,755,000 | 464 |
| Average equity | $135,728,500 | 630 |
| Average total loans | $1,206,832,500 | 477 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2935% | 5,088 |
| Cost of funding earning assets | 0.3199% | 3,953 |
| Net interest margin | 2.9737% | 4,939 |
| Noninterest income to average assets | 0.6874% | 2,021 |
| Noninterest expense to average assets | 2.7099% | 3,098 |
| Loan and lease loss provision to assets | 0.0733% | 2,745 |
| Net operating income to assets | 0.3014% | 4,924 |
| Return on assets (ROA) | 0.3018% | 4,939 |
| Pretax return on assets | 0.7573% | 4,370 |
| Return on Equity (ROE) | 3.5841% | 4,652 |
| Retained earnings to average equity (ytd only) | 3.5841% | 3,120 |
| Net charge-offs to loans | 0.0054% | 3,892 |
| Credit loss provision to net charge-offs | 1,860.3175% | 206 |
| Earnings coverage of net charge-offs (x) | 210.7619% | 383 |
| Efficiency ratio | 76.5539% | 1,549 |
| Assets per employee ($millions) | 6.2542% | 1,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9590% | 4,166 |
| Loan loss allowance to noncurrent loans | 414.5698% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 4,036 |
| Noncurrent loans to loans | 0.2313% | 3,978 |
| Net loans and leases to total assets | 73.9698% | 1,929 |
| Net loans and leases to deposits | 81.5173% | 2,762 |
| Net loans and leases to core deposits | 83.8297% | 3,067 |
| Total domestic deposits to total assets | 90.7413% | 324 |
| Equity capital to assets | 8.4600% | 5,152 |
| Core capital (leverage) ratio | 8.5666% | 5,076 |
| Tier 1 risk-based capital ratio | 12.0845% | 4,474 |
| Total risk-based capital ratio | 13.1075% | 4,513 |
| Memoranda: | ||
| Average total assets | $1,599,862,000 | 492 |
| Average earning assets | $1,534,610,600 | 467 |
| Average equity | $134,733,600 | 612 |
| Average total loans | $1,157,121,000 | 476 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2631% | 5,155 |
| Cost of funding earning assets | 0.3139% | 3,993 |
| Net interest margin | 2.9492% | 5,020 |
| Noninterest income to average assets | 0.7039% | 1,982 |
| Noninterest expense to average assets | 2.6145% | 3,365 |
| Loan and lease loss provision to assets | 0.0704% | 2,668 |
| Net operating income to assets | 0.5835% | 4,446 |
| Return on assets (ROA) | 0.5841% | 4,483 |
| Pretax return on assets | 0.8488% | 4,212 |
| Return on Equity (ROE) | 6.9432% | 3,693 |
| Retained earnings to average equity (ytd only) | 6.9432% | 1,720 |
| Net charge-offs to loans | 0.0057% | 3,529 |
| Credit loss provision to net charge-offs | 1,724.4898% | 230 |
| Earnings coverage of net charge-offs (x) | 224.8630% | 390 |
| Efficiency ratio | 74.0043% | 1,888 |
| Assets per employee ($millions) | 5.9530% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9420% | 4,366 |
| Loan loss allowance to noncurrent loans | 200.2513% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.3971% | 3,439 |
| Noncurrent loans to loans | 0.4704% | 3,285 |
| Net loans and leases to total assets | 73.5198% | 1,993 |
| Net loans and leases to deposits | 81.0448% | 2,870 |
| Net loans and leases to core deposits | 83.2883% | 3,191 |
| Total domestic deposits to total assets | 90.7149% | 253 |
| Equity capital to assets | 8.6913% | 5,154 |
| Core capital (leverage) ratio | 8.7750% | 4,996 |
| Tier 1 risk-based capital ratio | 12.0299% | 4,588 |
| Total risk-based capital ratio | 13.0140% | 4,663 |
| Memoranda: | ||
| Average total assets | $1,599,560,000 | 497 |
| Average earning assets | $1,534,324,000 | 470 |
| Average equity | $134,554,500 | 613 |
| Average total loans | $1,147,457,250 | 478 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2226% | 5,206 |
| Cost of funding earning assets | 0.3048% | 4,037 |
| Net interest margin | 2.9178% | 5,064 |
| Noninterest income to average assets | 0.6847% | 2,061 |
| Noninterest expense to average assets | 2.6041% | 3,421 |
| Loan and lease loss provision to assets | 0.0665% | 2,639 |
| Net operating income to assets | 0.5628% | 4,455 |
| Return on assets (ROA) | 0.5637% | 4,506 |
| Pretax return on assets | 0.8161% | 4,213 |
| Return on Equity (ROE) | 6.7755% | 3,676 |
| Retained earnings to average equity (ytd only) | 6.7755% | 1,700 |
| Net charge-offs to loans | 0.0215% | 2,792 |
| Credit loss provision to net charge-offs | 436.0656% | 738 |
| Earnings coverage of net charge-offs (x) | 57.8279% | 977 |
| Efficiency ratio | 74.7133% | 1,897 |
| Assets per employee ($millions) | 6.2990% | 1,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9315% | 4,505 |
| Loan loss allowance to noncurrent loans | 156.7166% | 2,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4627% | 3,262 |
| Noncurrent loans to loans | 0.5944% | 2,951 |
| Net loans and leases to total assets | 69.3951% | 2,607 |
| Net loans and leases to deposits | 76.1184% | 3,329 |
| Net loans and leases to core deposits | 78.1512% | 3,579 |
| Total domestic deposits to total assets | 91.1673% | 183 |
| Equity capital to assets | 8.2291% | 5,432 |
| Core capital (leverage) ratio | 8.2167% | 5,417 |
| Tier 1 risk-based capital ratio | 12.0514% | 4,604 |
| Total risk-based capital ratio | 13.0227% | 4,676 |
| Memoranda: | ||
| Average total assets | $1,600,947,670 | 497 |
| Average earning assets | $1,536,688,670 | 473 |
| Average equity | $133,186,000 | 618 |
| Average total loans | $1,135,247,670 | 482 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1635% | 5,292 |
| Cost of funding earning assets | 0.2906% | 4,138 |
| Net interest margin | 2.8728% | 5,134 |
| Noninterest income to average assets | 0.6722% | 2,080 |
| Noninterest expense to average assets | 2.6057% | 3,477 |
| Loan and lease loss provision to assets | 0.0718% | 2,368 |
| Net operating income to assets | 0.5243% | 4,495 |
| Return on assets (ROA) | 0.5261% | 4,531 |
| Pretax return on assets | 0.7539% | 4,274 |
| Return on Equity (ROE) | 6.2878% | 3,767 |
| Retained earnings to average equity (ytd only) | 6.2878% | 2,189 |
| Net charge-offs to loans | 0.0057% | 2,774 |
| Credit loss provision to net charge-offs | 1,768.7500% | 189 |
| Earnings coverage of net charge-offs (x) | 202.7500% | 276 |
| Efficiency ratio | 75.9917% | 1,907 |
| Assets per employee ($millions) | 6.2514% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9310% | 4,636 |
| Loan loss allowance to noncurrent loans | 276.6927% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 4,069 |
| Noncurrent loans to loans | 0.3365% | 3,899 |
| Net loans and leases to total assets | 69.8286% | 2,414 |
| Net loans and leases to deposits | 76.7637% | 3,106 |
| Net loans and leases to core deposits | 79.2148% | 3,364 |
| Total domestic deposits to total assets | 90.9656% | 309 |
| Equity capital to assets | 8.2089% | 5,411 |
| Core capital (leverage) ratio | 8.6113% | 5,144 |
| Tier 1 risk-based capital ratio | 11.9847% | 4,727 |
| Total risk-based capital ratio | 12.9508% | 4,811 |
| Memoranda: | ||
| Average total assets | $1,576,246,500 | 501 |
| Average earning assets | $1,512,507,000 | 482 |
| Average equity | $131,874,500 | 620 |
| Average total loans | $1,124,856,500 | 483 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1076% | 5,394 |
| Cost of funding earning assets | 0.2775% | 4,276 |
| Net interest margin | 2.8301% | 5,243 |
| Noninterest income to average assets | 0.7315% | 2,032 |
| Noninterest expense to average assets | 2.5245% | 3,941 |
| Loan and lease loss provision to assets | 0.0593% | 3,200 |
| Net operating income to assets | 0.5839% | 4,273 |
| Return on assets (ROA) | 0.5857% | 4,376 |
| Pretax return on assets | 0.8660% | 3,955 |
| Return on Equity (ROE) | 7.1646% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.1646% | 1,161 |
| Net charge-offs to loans | 0.0502% | 3,040 |
| Credit loss provision to net charge-offs | 172.4265% | 1,612 |
| Earnings coverage of net charge-offs (x) | 26.8088% | 1,537 |
| Efficiency ratio | 73.2364% | 2,385 |
| Assets per employee ($millions) | 6.0608% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 4,636 |
| Loan loss allowance to noncurrent loans | 273.2982% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 4,084 |
| Noncurrent loans to loans | 0.3419% | 3,910 |
| Net loans and leases to total assets | 71.6147% | 2,219 |
| Net loans and leases to deposits | 78.8230% | 3,010 |
| Net loans and leases to core deposits | 81.7048% | 3,233 |
| Total domestic deposits to total assets | 90.8551% | 326 |
| Equity capital to assets | 8.5327% | 5,248 |
| Core capital (leverage) ratio | 8.4223% | 5,345 |
| Tier 1 risk-based capital ratio | 12.1540% | 4,614 |
| Total risk-based capital ratio | 13.1231% | 4,702 |
| Memoranda: | ||
| Average total assets | $1,580,799,200 | 482 |
| Average earning assets | $1,516,854,400 | 461 |
| Average equity | $129,232,600 | 620 |
| Average total loans | $1,083,525,400 | 479 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0880% | 5,481 |
| Cost of funding earning assets | 0.2730% | 4,356 |
| Net interest margin | 2.8150% | 5,335 |
| Noninterest income to average assets | 0.7416% | 2,000 |
| Noninterest expense to average assets | 2.4594% | 4,111 |
| Loan and lease loss provision to assets | 0.0548% | 3,164 |
| Net operating income to assets | 0.6219% | 4,200 |
| Return on assets (ROA) | 0.6243% | 4,314 |
| Pretax return on assets | 0.9333% | 3,866 |
| Return on Equity (ROE) | 7.7174% | 3,175 |
| Retained earnings to average equity (ytd only) | 7.7174% | 1,305 |
| Net charge-offs to loans | 0.0579% | 2,525 |
| Credit loss provision to net charge-offs | 139.7436% | 1,872 |
| Earnings coverage of net charge-offs (x) | 25.1284% | 1,647 |
| Efficiency ratio | 71.4133% | 2,665 |
| Assets per employee ($millions) | 6.2165% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 4,788 |
| Loan loss allowance to noncurrent loans | 412.0991% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.2158% | 4,568 |
| Noncurrent loans to loans | 0.2241% | 4,469 |
| Net loans and leases to total assets | 68.1457% | 2,783 |
| Net loans and leases to deposits | 74.9829% | 3,502 |
| Net loans and leases to core deposits | 77.6483% | 3,694 |
| Total domestic deposits to total assets | 90.8817% | 215 |
| Equity capital to assets | 8.3496% | 5,607 |
| Core capital (leverage) ratio | 8.2944% | 5,501 |
| Tier 1 risk-based capital ratio | 12.1494% | 4,699 |
| Total risk-based capital ratio | 13.1109% | 4,773 |
| Memoranda: | ||
| Average total assets | $1,592,655,000 | 478 |
| Average earning assets | $1,528,851,750 | 457 |
| Average equity | $128,831,250 | 627 |
| Average total loans | $1,077,286,500 | 477 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0814% | 5,566 |
| Cost of funding earning assets | 0.2694% | 4,446 |
| Net interest margin | 2.8120% | 5,406 |
| Noninterest income to average assets | 0.7268% | 2,023 |
| Noninterest expense to average assets | 2.4147% | 4,291 |
| Loan and lease loss provision to assets | 0.0466% | 3,215 |
| Net operating income to assets | 0.6411% | 4,093 |
| Return on assets (ROA) | 0.6446% | 4,212 |
| Pretax return on assets | 0.9715% | 3,700 |
| Return on Equity (ROE) | 8.0559% | 2,953 |
| Retained earnings to average equity (ytd only) | 8.0559% | 1,153 |
| Net charge-offs to loans | 0.0163% | 3,191 |
| Credit loss provision to net charge-offs | 426.4368% | 746 |
| Earnings coverage of net charge-offs (x) | 92.5977% | 620 |
| Efficiency ratio | 70.4530% | 2,909 |
| Assets per employee ($millions) | 7.2575% | 782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9379% | 4,811 |
| Loan loss allowance to noncurrent loans | 342.2846% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 4,550 |
| Noncurrent loans to loans | 0.2740% | 4,386 |
| Net loans and leases to total assets | 62.9295% | 3,513 |
| Net loans and leases to deposits | 69.0356% | 4,080 |
| Net loans and leases to core deposits | 71.5870% | 4,216 |
| Total domestic deposits to total assets | 91.1551% | 163 |
| Equity capital to assets | 7.6387% | 5,886 |
| Core capital (leverage) ratio | 7.9147% | 5,774 |
| Tier 1 risk-based capital ratio | 11.7959% | 4,976 |
| Total risk-based capital ratio | 12.7533% | 5,038 |
| Memoranda: | ||
| Average total assets | $1,590,994,670 | 481 |
| Average earning assets | $1,527,956,670 | 458 |
| Average equity | $127,309,670 | 632 |
| Average total loans | $1,070,091,670 | 477 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1830% | 5,505 |
| Cost of funding earning assets | 0.2776% | 4,419 |
| Net interest margin | 2.9054% | 5,312 |
| Noninterest income to average assets | 0.6299% | 2,369 |
| Noninterest expense to average assets | 2.5122% | 4,033 |
| Loan and lease loss provision to assets | 0.0225% | 3,389 |
| Net operating income to assets | 0.5917% | 4,218 |
| Return on assets (ROA) | 0.5975% | 4,304 |
| Pretax return on assets | 0.8902% | 3,885 |
| Return on Equity (ROE) | 7.2803% | 3,300 |
| Retained earnings to average equity (ytd only) | 7.2803% | 1,757 |
| Net charge-offs to loans | 0.0181% | 2,571 |
| Credit loss provision to net charge-offs | 179.1667% | 1,155 |
| Earnings coverage of net charge-offs (x) | 71.8750% | 681 |
| Efficiency ratio | 73.5369% | 2,548 |
| Assets per employee ($millions) | 6.6284% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 4,941 |
| Loan loss allowance to noncurrent loans | 327.6122% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 4,493 |
| Noncurrent loans to loans | 0.2849% | 4,410 |
| Net loans and leases to total assets | 68.4434% | 2,592 |
| Net loans and leases to deposits | 75.0717% | 3,317 |
| Net loans and leases to core deposits | 78.0189% | 3,489 |
| Total domestic deposits to total assets | 91.1707% | 225 |
| Equity capital to assets | 8.2302% | 5,728 |
| Core capital (leverage) ratio | 8.3507% | 5,516 |
| Tier 1 risk-based capital ratio | 11.9116% | 4,971 |
| Total risk-based capital ratio | 12.8828% | 5,060 |
| Memoranda: | ||
| Average total assets | $1,526,473,000 | 501 |
| Average earning assets | $1,463,892,000 | 472 |
| Average equity | $125,270,000 | 644 |
| Average total loans | $1,058,808,000 | 479 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3064% | 5,338 |
| Cost of funding earning assets | 0.2731% | 4,553 |
| Net interest margin | 3.0334% | 5,061 |
| Noninterest income to average assets | 0.7067% | 2,169 |
| Noninterest expense to average assets | 2.5570% | 4,049 |
| Loan and lease loss provision to assets | 0.0379% | 3,587 |
| Net operating income to assets | 0.6675% | 3,963 |
| Return on assets (ROA) | 0.6588% | 4,086 |
| Pretax return on assets | 1.0009% | 3,474 |
| Return on Equity (ROE) | 8.3610% | 2,776 |
| Retained earnings to average equity (ytd only) | 8.3610% | 809 |
| Net charge-offs to loans | 0.0315% | 3,591 |
| Credit loss provision to net charge-offs | 172.2054% | 1,567 |
| Earnings coverage of net charge-offs (x) | 47.7674% | 1,034 |
| Efficiency ratio | 70.8505% | 3,089 |
| Assets per employee ($millions) | 6.5873% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9526% | 4,853 |
| Loan loss allowance to noncurrent loans | 255.9466% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 4,259 |
| Noncurrent loans to loans | 0.3722% | 4,114 |
| Net loans and leases to total assets | 68.9834% | 2,548 |
| Net loans and leases to deposits | 75.6053% | 3,308 |
| Net loans and leases to core deposits | 78.4475% | 3,495 |
| Total domestic deposits to total assets | 91.2415% | 229 |
| Equity capital to assets | 8.1820% | 5,771 |
| Core capital (leverage) ratio | 8.2973% | 5,607 |
| Tier 1 risk-based capital ratio | 12.0062% | 4,945 |
| Total risk-based capital ratio | 12.9916% | 5,027 |
| Memoranda: | ||
| Average total assets | $1,502,948,000 | 474 |
| Average earning assets | $1,437,979,400 | 449 |
| Average equity | $118,419,000 | 645 |
| Average total loans | $1,050,866,600 | 457 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3186% | 5,374 |
| Cost of funding earning assets | 0.2766% | 4,595 |
| Net interest margin | 3.0419% | 5,095 |
| Noninterest income to average assets | 0.7193% | 2,151 |
| Noninterest expense to average assets | 2.5243% | 4,121 |
| Loan and lease loss provision to assets | 0.0476% | 3,253 |
| Net operating income to assets | 0.6914% | 3,941 |
| Return on assets (ROA) | 0.6799% | 4,107 |
| Pretax return on assets | 1.0394% | 3,465 |
| Return on Equity (ROE) | 8.7134% | 2,726 |
| Retained earnings to average equity (ytd only) | 8.7134% | 998 |
| Net charge-offs to loans | 0.0204% | 3,533 |
| Credit loss provision to net charge-offs | 333.5404% | 876 |
| Earnings coverage of net charge-offs (x) | 77.3545% | 763 |
| Efficiency ratio | 69.5605% | 3,278 |
| Assets per employee ($millions) | 6.7197% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9473% | 4,989 |
| Loan loss allowance to noncurrent loans | 311.9518% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 4,648 |
| Noncurrent loans to loans | 0.3037% | 4,514 |
| Net loans and leases to total assets | 70.1684% | 2,363 |
| Net loans and leases to deposits | 76.8620% | 3,214 |
| Net loans and leases to core deposits | 79.2676% | 3,482 |
| Total domestic deposits to total assets | 91.2914% | 188 |
| Equity capital to assets | 8.1305% | 5,911 |
| Core capital (leverage) ratio | 8.1600% | 5,808 |
| Tier 1 risk-based capital ratio | 11.4808% | 5,387 |
| Total risk-based capital ratio | 12.4537% | 5,443 |
| Memoranda: | ||
| Average total assets | $1,503,211,000 | 477 |
| Average earning assets | $1,437,814,750 | 454 |
| Average equity | $117,302,500 | 657 |
| Average total loans | $1,052,077,500 | 460 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3274% | 5,386 |
| Cost of funding earning assets | 0.2891% | 4,516 |
| Net interest margin | 3.0383% | 5,125 |
| Noninterest income to average assets | 0.7221% | 2,124 |
| Noninterest expense to average assets | 2.4642% | 4,353 |
| Loan and lease loss provision to assets | 0.0865% | 2,377 |
| Net operating income to assets | 0.6935% | 3,920 |
| Return on assets (ROA) | 0.6766% | 4,105 |
| Pretax return on assets | 1.0521% | 3,374 |
| Return on Equity (ROE) | 8.7934% | 2,660 |
| Retained earnings to average equity (ytd only) | 8.7934% | 992 |
| Net charge-offs to loans | 0.0277% | 3,114 |
| Credit loss provision to net charge-offs | 448.2759% | 681 |
| Earnings coverage of net charge-offs (x) | 60.3586% | 838 |
| Efficiency ratio | 67.9002% | 3,683 |
| Assets per employee ($millions) | 6.8594% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9658% | 5,026 |
| Loan loss allowance to noncurrent loans | 268.0818% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 4,619 |
| Noncurrent loans to loans | 0.3602% | 4,417 |
| Net loans and leases to total assets | 68.5807% | 2,556 |
| Net loans and leases to deposits | 74.9053% | 3,394 |
| Net loans and leases to core deposits | 76.7860% | 3,691 |
| Total domestic deposits to total assets | 91.5566% | 176 |
| Equity capital to assets | 7.7106% | 6,076 |
| Core capital (leverage) ratio | 7.7272% | 6,031 |
| Tier 1 risk-based capital ratio | 11.9141% | 5,207 |
| Total risk-based capital ratio | 12.9396% | 5,256 |
| Memoranda: | ||
| Average total assets | $1,502,547,330 | 479 |
| Average earning assets | $1,437,646,000 | 452 |
| Average equity | $115,609,670 | 667 |
| Average total loans | $1,047,344,330 | 466 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3115% | 5,419 |
| Cost of funding earning assets | 0.2929% | 4,523 |
| Net interest margin | 3.0186% | 5,158 |
| Noninterest income to average assets | 0.6283% | 2,504 |
| Noninterest expense to average assets | 2.4548% | 4,429 |
| Loan and lease loss provision to assets | 0.1142% | 1,812 |
| Net operating income to assets | 0.6151% | 4,217 |
| Return on assets (ROA) | 0.5805% | 4,463 |
| Pretax return on assets | 0.8970% | 3,907 |
| Return on Equity (ROE) | 7.5532% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.5532% | 1,737 |
| Net charge-offs to loans | 0.0430% | 2,378 |
| Credit loss provision to net charge-offs | 379.4643% | 689 |
| Earnings coverage of net charge-offs (x) | 35.3750% | 1,044 |
| Efficiency ratio | 69.7557% | 3,532 |
| Assets per employee ($millions) | 7.2016% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 5,221 |
| Loan loss allowance to noncurrent loans | 287.9518% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 4,768 |
| Noncurrent loans to loans | 0.3323% | 4,601 |
| Net loans and leases to total assets | 68.3814% | 2,384 |
| Net loans and leases to deposits | 74.4876% | 3,238 |
| Net loans and leases to core deposits | 76.0363% | 3,593 |
| Total domestic deposits to total assets | 91.8024% | 176 |
| Equity capital to assets | 7.6854% | 6,127 |
| Core capital (leverage) ratio | 7.8643% | 6,006 |
| Tier 1 risk-based capital ratio | 11.8527% | 5,334 |
| Total risk-based capital ratio | 12.8763% | 5,391 |
| Memoranda: | ||
| Average total assets | $1,489,002,000 | 481 |
| Average earning assets | $1,425,938,500 | 455 |
| Average equity | $114,442,000 | 672 |
| Average total loans | $1,041,383,000 | 466 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4488% | 5,432 |
| Cost of funding earning assets | 0.3206% | 4,573 |
| Net interest margin | 3.1282% | 5,137 |
| Noninterest income to average assets | 0.5862% | 2,943 |
| Noninterest expense to average assets | 2.4224% | 4,781 |
| Loan and lease loss provision to assets | 0.1685% | 1,548 |
| Net operating income to assets | 0.6442% | 4,175 |
| Return on assets (ROA) | 0.6280% | 4,350 |
| Pretax return on assets | 0.9556% | 3,665 |
| Return on Equity (ROE) | 8.7644% | 2,699 |
| Retained earnings to average equity (ytd only) | 8.7644% | 756 |
| Net charge-offs to loans | 0.0482% | 3,861 |
| Credit loss provision to net charge-offs | 530.5677% | 500 |
| Earnings coverage of net charge-offs (x) | 36.1659% | 1,169 |
| Efficiency ratio | 67.8356% | 3,926 |
| Assets per employee ($millions) | 7.0800% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 5,331 |
| Loan loss allowance to noncurrent loans | 252.2044% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.3319% | 4,721 |
| Noncurrent loans to loans | 0.3730% | 4,529 |
| Net loans and leases to total assets | 70.2054% | 2,204 |
| Net loans and leases to deposits | 76.7090% | 3,117 |
| Net loans and leases to core deposits | 78.1165% | 3,506 |
| Total domestic deposits to total assets | 91.5217% | 222 |
| Equity capital to assets | 7.6862% | 6,186 |
| Core capital (leverage) ratio | 7.7229% | 6,122 |
| Tier 1 risk-based capital ratio | 11.5417% | 5,631 |
| Total risk-based capital ratio | 12.5151% | 5,708 |
| Memoranda: | ||
| Average total assets | $1,442,098,200 | 489 |
| Average earning assets | $1,376,001,200 | 460 |
| Average equity | $103,338,400 | 706 |
| Average total loans | $950,853,200 | 476 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 5,526 |
| Cost of funding earning assets | 0.3243% | 4,624 |
| Net interest margin | 3.1119% | 5,220 |
| Noninterest income to average assets | 0.5810% | 2,979 |
| Noninterest expense to average assets | 2.4182% | 4,765 |
| Loan and lease loss provision to assets | 0.1581% | 1,576 |
| Net operating income to assets | 0.6387% | 4,263 |
| Return on assets (ROA) | 0.6376% | 4,372 |
| Pretax return on assets | 0.9699% | 3,717 |
| Return on Equity (ROE) | 9.0651% | 2,645 |
| Retained earnings to average equity (ytd only) | 9.0651% | 974 |
| Net charge-offs to loans | 0.0777% | 3,089 |
| Credit loss provision to net charge-offs | 314.5756% | 879 |
| Earnings coverage of net charge-offs (x) | 22.4778% | 1,626 |
| Efficiency ratio | 68.1607% | 3,830 |
| Assets per employee ($millions) | 7.2204% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 5,619 |
| Loan loss allowance to noncurrent loans | 210.7303% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.3850% | 4,773 |
| Noncurrent loans to loans | 0.4247% | 4,634 |
| Net loans and leases to total assets | 66.0656% | 2,858 |
| Net loans and leases to deposits | 73.4531% | 3,502 |
| Net loans and leases to core deposits | 74.8381% | 3,863 |
| Total domestic deposits to total assets | 89.9426% | 755 |
| Equity capital to assets | 7.1544% | 6,361 |
| Core capital (leverage) ratio | 7.5123% | 6,279 |
| Tier 1 risk-based capital ratio | 11.4524% | 5,812 |
| Total risk-based capital ratio | 12.3555% | 5,907 |
| Memoranda: | ||
| Average total assets | $1,438,005,250 | 485 |
| Average earning assets | $1,370,948,000 | 458 |
| Average equity | $101,147,750 | 722 |
| Average total loans | $930,154,250 | 477 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4222% | 5,576 |
| Cost of funding earning assets | 0.3333% | 4,603 |
| Net interest margin | 3.0889% | 5,287 |
| Noninterest income to average assets | 0.6064% | 2,787 |
| Noninterest expense to average assets | 2.4449% | 4,756 |
| Loan and lease loss provision to assets | 0.1240% | 1,990 |
| Net operating income to assets | 0.6440% | 4,131 |
| Return on assets (ROA) | 0.6448% | 4,226 |
| Pretax return on assets | 0.9821% | 3,547 |
| Return on Equity (ROE) | 9.2219% | 2,496 |
| Retained earnings to average equity (ytd only) | 9.2219% | 913 |
| Net charge-offs to loans | 0.0696% | 3,007 |
| Credit loss provision to net charge-offs | 278.4810% | 911 |
| Earnings coverage of net charge-offs (x) | 24.8133% | 1,415 |
| Efficiency ratio | 68.8713% | 3,853 |
| Assets per employee ($millions) | 8.1129% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 5,860 |
| Loan loss allowance to noncurrent loans | 222.7967% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.3521% | 4,972 |
| Noncurrent loans to loans | 0.3842% | 4,840 |
| Net loans and leases to total assets | 64.5272% | 2,994 |
| Net loans and leases to deposits | 69.7062% | 3,859 |
| Net loans and leases to core deposits | 70.9422% | 4,156 |
| Total domestic deposits to total assets | 92.5703% | 113 |
| Equity capital to assets | 7.1120% | 6,428 |
| Core capital (leverage) ratio | 7.2439% | 6,384 |
| Tier 1 risk-based capital ratio | 11.3215% | 5,894 |
| Total risk-based capital ratio | 12.1716% | 6,026 |
| Memoranda: | ||
| Average total assets | $1,419,134,670 | 485 |
| Average earning assets | $1,352,339,000 | 460 |
| Average equity | $99,220,000 | 737 |
| Average total loans | $908,091,000 | 483 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4095% | 5,627 |
| Cost of funding earning assets | 0.3407% | 4,641 |
| Net interest margin | 3.0687% | 5,343 |
| Noninterest income to average assets | 0.5064% | 3,359 |
| Noninterest expense to average assets | 2.4539% | 4,777 |
| Loan and lease loss provision to assets | 0.0955% | 2,332 |
| Net operating income to assets | 0.5814% | 4,290 |
| Return on assets (ROA) | 0.5822% | 4,351 |
| Pretax return on assets | 0.8800% | 3,780 |
| Return on Equity (ROE) | 8.4055% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.4055% | 1,455 |
| Net charge-offs to loans | 0.1552% | 1,785 |
| Credit loss provision to net charge-offs | 97.0588% | 1,727 |
| Earnings coverage of net charge-offs (x) | 9.9029% | 1,906 |
| Efficiency ratio | 71.5793% | 3,566 |
| Assets per employee ($millions) | 7.2560% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 5,985 |
| Loan loss allowance to noncurrent loans | 217.9285% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3658% | 5,066 |
| Noncurrent loans to loans | 0.3930% | 4,952 |
| Net loans and leases to total assets | 63.3530% | 3,004 |
| Net loans and leases to deposits | 68.3170% | 3,827 |
| Net loans and leases to core deposits | 69.6032% | 4,146 |
| Total domestic deposits to total assets | 92.7339% | 142 |
| Equity capital to assets | 6.9894% | 6,446 |
| Core capital (leverage) ratio | 7.6401% | 6,291 |
| Tier 1 risk-based capital ratio | 11.7182% | 5,804 |
| Total risk-based capital ratio | 12.5569% | 5,962 |
| Memoranda: | ||
| Average total assets | $1,382,312,500 | 499 |
| Average earning assets | $1,316,106,500 | 473 |
| Average equity | $95,747,000 | 763 |
| Average total loans | $876,353,500 | 496 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2678% | 6,050 |
| Cost of funding earning assets | 0.3745% | 4,898 |
| Net interest margin | 2.8933% | 5,798 |
| Noninterest income to average assets | 0.6550% | 2,782 |
| Noninterest expense to average assets | 2.4744% | 4,848 |
| Loan and lease loss provision to assets | 0.1569% | 2,317 |
| Net operating income to assets | 0.5120% | 4,680 |
| Return on assets (ROA) | 0.5294% | 4,722 |
| Pretax return on assets | 0.8031% | 4,128 |
| Return on Equity (ROE) | 7.6774% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.6774% | 1,161 |
| Net charge-offs to loans | 0.1657% | 3,154 |
| Credit loss provision to net charge-offs | 166.1631% | 1,374 |
| Earnings coverage of net charge-offs (x) | 9.8890% | 2,452 |
| Efficiency ratio | 72.6053% | 3,367 |
| Assets per employee ($millions) | 6.8513% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 5,879 |
| Loan loss allowance to noncurrent loans | 151.6034% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.4640% | 4,848 |
| Noncurrent loans to loans | 0.6027% | 4,473 |
| Net loans and leases to total assets | 62.2963% | 3,317 |
| Net loans and leases to deposits | 68.6386% | 3,959 |
| Net loans and leases to core deposits | 70.1096% | 4,279 |
| Total domestic deposits to total assets | 90.7598% | 681 |
| Equity capital to assets | 6.8607% | 6,491 |
| Core capital (leverage) ratio | 7.5209% | 6,362 |
| Tier 1 risk-based capital ratio | 12.0670% | 5,581 |
| Total risk-based capital ratio | 12.9482% | 5,736 |
| Memoranda: | ||
| Average total assets | $1,402,394,400 | 481 |
| Average earning assets | $1,334,425,600 | 463 |
| Average equity | $96,699,600 | 731 |
| Average total loans | $799,128,000 | 524 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2259% | 6,163 |
| Cost of funding earning assets | 0.3782% | 5,017 |
| Net interest margin | 2.8477% | 5,923 |
| Noninterest income to average assets | 0.7004% | 2,608 |
| Noninterest expense to average assets | 2.4981% | 4,731 |
| Loan and lease loss provision to assets | 0.1640% | 2,207 |
| Net operating income to assets | 0.4931% | 4,827 |
| Return on assets (ROA) | 0.5057% | 4,932 |
| Pretax return on assets | 0.7651% | 4,439 |
| Return on Equity (ROE) | 7.3252% | 3,474 |
| Retained earnings to average equity (ytd only) | 7.3252% | 1,722 |
| Net charge-offs to loans | 0.1468% | 3,073 |
| Credit loss provision to net charge-offs | 201.0393% | 1,200 |
| Earnings coverage of net charge-offs (x) | 11.1570% | 2,273 |
| Efficiency ratio | 73.2976% | 3,176 |
| Assets per employee ($millions) | 6.8035% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 5,830 |
| Loan loss allowance to noncurrent loans | 111.5075% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5855% | 4,686 |
| Noncurrent loans to loans | 0.8724% | 4,074 |
| Net loans and leases to total assets | 56.5786% | 4,234 |
| Net loans and leases to deposits | 60.8986% | 4,878 |
| Net loans and leases to core deposits | 62.1478% | 5,104 |
| Total domestic deposits to total assets | 92.9063% | 131 |
| Equity capital to assets | 6.7690% | 6,598 |
| Core capital (leverage) ratio | 7.2772% | 6,518 |
| Tier 1 risk-based capital ratio | 12.3913% | 5,522 |
| Total risk-based capital ratio | 13.3140% | 5,673 |
| Memoranda: | ||
| Average total assets | $1,415,568,750 | 478 |
| Average earning assets | $1,345,972,500 | 456 |
| Average equity | $97,724,750 | 729 |
| Average total loans | $786,769,000 | 532 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1883% | 6,246 |
| Cost of funding earning assets | 0.3782% | 5,158 |
| Net interest margin | 2.8101% | 5,985 |
| Noninterest income to average assets | 0.7353% | 2,472 |
| Noninterest expense to average assets | 2.5088% | 4,692 |
| Loan and lease loss provision to assets | 0.2018% | 1,881 |
| Net operating income to assets | 0.4607% | 4,972 |
| Return on assets (ROA) | 0.4794% | 5,065 |
| Pretax return on assets | 0.7272% | 4,587 |
| Return on Equity (ROE) | 6.9007% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.9007% | 1,931 |
| Net charge-offs to loans | 0.2081% | 2,516 |
| Credit loss provision to net charge-offs | 176.0736% | 1,348 |
| Earnings coverage of net charge-offs (x) | 7.8589% | 2,491 |
| Efficiency ratio | 73.5865% | 3,210 |
| Assets per employee ($millions) | 6.9450% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 6,041 |
| Loan loss allowance to noncurrent loans | 104.4296% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 4,815 |
| Noncurrent loans to loans | 0.8923% | 4,142 |
| Net loans and leases to total assets | 54.3907% | 4,531 |
| Net loans and leases to deposits | 58.5307% | 5,115 |
| Net loans and leases to core deposits | 59.6567% | 5,291 |
| Total domestic deposits to total assets | 92.9267% | 128 |
| Equity capital to assets | 6.4446% | 6,698 |
| Core capital (leverage) ratio | 7.2245% | 6,553 |
| Tier 1 risk-based capital ratio | 11.7719% | 5,937 |
| Total risk-based capital ratio | 12.6359% | 6,127 |
| Memoranda: | ||
| Average total assets | $1,422,517,000 | 472 |
| Average earning assets | $1,353,631,330 | 453 |
| Average equity | $98,830,000 | 724 |
| Average total loans | $783,403,000 | 530 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2700% | 6,210 |
| Cost of funding earning assets | 0.3860% | 5,231 |
| Net interest margin | 2.8840% | 5,845 |
| Noninterest income to average assets | 0.7149% | 2,513 |
| Noninterest expense to average assets | 2.4396% | 4,983 |
| Loan and lease loss provision to assets | 0.3069% | 1,114 |
| Net operating income to assets | 0.4685% | 4,828 |
| Return on assets (ROA) | 0.4819% | 4,925 |
| Pretax return on assets | 0.7300% | 4,442 |
| Return on Equity (ROE) | 6.6835% | 3,671 |
| Retained earnings to average equity (ytd only) | 6.6835% | 2,322 |
| Net charge-offs to loans | 0.2101% | 2,159 |
| Credit loss provision to net charge-offs | 264.7783% | 880 |
| Earnings coverage of net charge-offs (x) | 8.7709% | 1,916 |
| Efficiency ratio | 70.5848% | 3,876 |
| Assets per employee ($millions) | 7.1792% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 6,091 |
| Loan loss allowance to noncurrent loans | 94.0429% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 4,754 |
| Noncurrent loans to loans | 1.0253% | 4,084 |
| Net loans and leases to total assets | 54.5240% | 4,327 |
| Net loans and leases to deposits | 59.2492% | 4,882 |
| Net loans and leases to core deposits | 60.4681% | 5,097 |
| Total domestic deposits to total assets | 92.0249% | 243 |
| Equity capital to assets | 7.1053% | 6,691 |
| Core capital (leverage) ratio | 7.5510% | 6,451 |
| Tier 1 risk-based capital ratio | 12.1518% | 5,822 |
| Total risk-based capital ratio | 13.0649% | 5,996 |
| Memoranda: | ||
| Average total assets | $1,401,073,000 | 481 |
| Average earning assets | $1,331,750,000 | 464 |
| Average equity | $101,025,500 | 723 |
| Average total loans | $772,834,000 | 539 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3681% | 6,517 |
| Cost of funding earning assets | 0.4308% | 5,715 |
| Net interest margin | 2.9373% | 6,159 |
| Noninterest income to average assets | 0.8439% | 2,065 |
| Noninterest expense to average assets | 2.5535% | 4,924 |
| Loan and lease loss provision to assets | 0.1465% | 3,772 |
| Net operating income to assets | 0.6100% | 4,192 |
| Return on assets (ROA) | 0.6318% | 4,348 |
| Pretax return on assets | 0.9880% | 3,587 |
| Return on Equity (ROE) | 8.8129% | 2,728 |
| Retained earnings to average equity (ytd only) | 8.8129% | 876 |
| Net charge-offs to loans | 0.0933% | 4,740 |
| Credit loss provision to net charge-offs | 304.8589% | 794 |
| Earnings coverage of net charge-offs (x) | 22.9044% | 1,237 |
| Efficiency ratio | 69.8850% | 3,843 |
| Assets per employee ($millions) | 7.0442% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,260 |
| Loan loss allowance to noncurrent loans | 125.1501% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.5037% | 5,209 |
| Noncurrent loans to loans | 0.7201% | 4,741 |
| Net loans and leases to total assets | 54.7704% | 4,494 |
| Net loans and leases to deposits | 59.7031% | 5,056 |
| Net loans and leases to core deposits | 60.9739% | 5,273 |
| Total domestic deposits to total assets | 91.7380% | 295 |
| Equity capital to assets | 7.3190% | 6,689 |
| Core capital (leverage) ratio | 7.3370% | 6,568 |
| Tier 1 risk-based capital ratio | 12.0714% | 5,746 |
| Total risk-based capital ratio | 12.9122% | 5,948 |
| Memoranda: | ||
| Average total assets | $1,328,038,000 | 500 |
| Average earning assets | $1,270,433,800 | 478 |
| Average equity | $95,213,000 | 744 |
| Average total loans | $683,739,800 | 606 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3424% | 6,689 |
| Cost of funding earning assets | 0.4332% | 5,915 |
| Net interest margin | 2.9092% | 6,340 |
| Noninterest income to average assets | 0.8225% | 2,148 |
| Noninterest expense to average assets | 2.4079% | 5,370 |
| Loan and lease loss provision to assets | 0.1141% | 4,138 |
| Net operating income to assets | 0.6915% | 3,951 |
| Return on assets (ROA) | 0.7021% | 4,148 |
| Pretax return on assets | 1.1062% | 3,332 |
| Return on Equity (ROE) | 9.8469% | 2,419 |
| Retained earnings to average equity (ytd only) | 9.8469% | 953 |
| Net charge-offs to loans | 0.1287% | 4,096 |
| Credit loss provision to net charge-offs | 175.5070% | 1,583 |
| Earnings coverage of net charge-offs (x) | 18.5194% | 1,551 |
| Efficiency ratio | 66.6704% | 4,319 |
| Assets per employee ($millions) | 7.1584% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8444% | 6,521 |
| Loan loss allowance to noncurrent loans | 117.9887% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4157% | 5,650 |
| Noncurrent loans to loans | 0.7156% | 5,003 |
| Net loans and leases to total assets | 53.1082% | 4,894 |
| Net loans and leases to deposits | 57.8046% | 5,447 |
| Net loans and leases to core deposits | 59.4671% | 5,609 |
| Total domestic deposits to total assets | 91.8753% | 223 |
| Equity capital to assets | 7.2779% | 6,824 |
| Core capital (leverage) ratio | 7.4041% | 6,665 |
| Tier 1 risk-based capital ratio | 12.2800% | 5,784 |
| Total risk-based capital ratio | 13.0634% | 6,029 |
| Memoranda: | ||
| Average total assets | $1,314,881,250 | 509 |
| Average earning assets | $1,260,615,250 | 482 |
| Average equity | $93,753,500 | 757 |
| Average total loans | $663,906,500 | 628 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3525% | 6,777 |
| Cost of funding earning assets | 0.4326% | 6,082 |
| Net interest margin | 2.9199% | 6,395 |
| Noninterest income to average assets | 0.8156% | 2,114 |
| Noninterest expense to average assets | 2.3918% | 5,487 |
| Loan and lease loss provision to assets | 0.1148% | 4,096 |
| Net operating income to assets | 0.7050% | 3,843 |
| Return on assets (ROA) | 0.7067% | 4,095 |
| Pretax return on assets | 1.1139% | 3,257 |
| Return on Equity (ROE) | 9.9816% | 2,360 |
| Retained earnings to average equity (ytd only) | 9.9816% | 979 |
| Net charge-offs to loans | 0.0235% | 5,065 |
| Credit loss provision to net charge-offs | 986.8421% | 338 |
| Earnings coverage of net charge-offs (x) | 105.4211% | 405 |
| Efficiency ratio | 66.1112% | 4,511 |
| Assets per employee ($millions) | 7.3128% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9544% | 6,313 |
| Loan loss allowance to noncurrent loans | 146.2638% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 5,948 |
| Noncurrent loans to loans | 0.6526% | 5,206 |
| Net loans and leases to total assets | 46.6344% | 5,769 |
| Net loans and leases to deposits | 51.0986% | 6,099 |
| Net loans and leases to core deposits | 52.6132% | 6,191 |
| Total domestic deposits to total assets | 91.2636% | 363 |
| Equity capital to assets | 6.8559% | 6,933 |
| Core capital (leverage) ratio | 7.3025% | 6,717 |
| Tier 1 risk-based capital ratio | 13.0264% | 5,168 |
| Total risk-based capital ratio | 13.9048% | 5,429 |
| Memoranda: | ||
| Average total assets | $1,306,968,000 | 514 |
| Average earning assets | $1,254,276,330 | 487 |
| Average equity | $92,530,000 | 760 |
| Average total loans | $646,218,330 | 638 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4994% | 6,702 |
| Cost of funding earning assets | 0.4407% | 6,206 |
| Net interest margin | 3.0587% | 6,160 |
| Noninterest income to average assets | 0.7423% | 2,438 |
| Noninterest expense to average assets | 2.4109% | 5,434 |
| Loan and lease loss provision to assets | 0.1185% | 3,864 |
| Net operating income to assets | 0.7269% | 3,751 |
| Return on assets (ROA) | 0.7269% | 3,982 |
| Pretax return on assets | 1.1478% | 3,122 |
| Return on Equity (ROE) | 10.0915% | 2,375 |
| Retained earnings to average equity (ytd only) | 10.0915% | 1,250 |
| Net charge-offs to loans | 0.0592% | 3,910 |
| Credit loss provision to net charge-offs | 394.7368% | 796 |
| Earnings coverage of net charge-offs (x) | 42.1789% | 714 |
| Efficiency ratio | 65.5638% | 4,644 |
| Assets per employee ($millions) | 6.8191% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 6,551 |
| Loan loss allowance to noncurrent loans | 124.8933% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 5,959 |
| Noncurrent loans to loans | 0.7160% | 5,230 |
| Net loans and leases to total assets | 51.1186% | 5,132 |
| Net loans and leases to deposits | 55.6145% | 5,642 |
| Net loans and leases to core deposits | 57.4296% | 5,763 |
| Total domestic deposits to total assets | 91.9159% | 279 |
| Equity capital to assets | 7.2231% | 6,874 |
| Core capital (leverage) ratio | 7.5804% | 6,577 |
| Tier 1 risk-based capital ratio | 12.6855% | 5,459 |
| Total risk-based capital ratio | 13.5074% | 5,760 |
| Memoranda: | ||
| Average total assets | $1,265,732,500 | 528 |
| Average earning assets | $1,214,505,000 | 494 |
| Average equity | $91,166,000 | 764 |
| Average total loans | $642,227,000 | 647 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4902% | 7,001 |
| Cost of funding earning assets | 0.4851% | 6,596 |
| Net interest margin | 3.0051% | 6,525 |
| Noninterest income to average assets | 0.6484% | 2,897 |
| Noninterest expense to average assets | 2.4861% | 5,517 |
| Loan and lease loss provision to assets | 0.1083% | 5,246 |
| Net operating income to assets | 0.5876% | 4,067 |
| Return on assets (ROA) | 0.5914% | 4,221 |
| Pretax return on assets | 0.9323% | 3,502 |
| Return on Equity (ROE) | 8.0871% | 2,863 |
| Retained earnings to average equity (ytd only) | 8.0871% | 1,050 |
| Net charge-offs to loans | 0.1228% | 5,159 |
| Credit loss provision to net charge-offs | 179.5775% | 1,452 |
| Earnings coverage of net charge-offs (x) | 17.1521% | 1,289 |
| Efficiency ratio | 70.6101% | 3,830 |
| Assets per employee ($millions) | 7.2593% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8838% | 6,570 |
| Loan loss allowance to noncurrent loans | 121.6423% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 0.3679% | 6,056 |
| Noncurrent loans to loans | 0.7265% | 5,244 |
| Net loans and leases to total assets | 49.4548% | 5,663 |
| Net loans and leases to deposits | 54.2509% | 6,041 |
| Net loans and leases to core deposits | 56.0332% | 6,154 |
| Total domestic deposits to total assets | 91.1595% | 439 |
| Equity capital to assets | 7.1821% | 6,912 |
| Core capital (leverage) ratio | 7.6931% | 6,537 |
| Tier 1 risk-based capital ratio | 12.5835% | 5,385 |
| Total risk-based capital ratio | 13.3801% | 5,721 |
| Memoranda: | ||
| Average total assets | $1,176,872,600 | 553 |
| Average earning assets | $1,124,933,600 | 523 |
| Average equity | $86,063,400 | 781 |
| Average total loans | $578,066,000 | 730 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5470% | 7,062 |
| Cost of funding earning assets | 0.4953% | 6,714 |
| Net interest margin | 3.0517% | 6,491 |
| Noninterest income to average assets | 0.6314% | 2,984 |
| Noninterest expense to average assets | 2.3310% | 5,955 |
| Loan and lease loss provision to assets | 0.1039% | 5,145 |
| Net operating income to assets | 0.6969% | 3,635 |
| Return on assets (ROA) | 0.6989% | 3,796 |
| Pretax return on assets | 1.1115% | 2,962 |
| Return on Equity (ROE) | 9.5106% | 2,386 |
| Retained earnings to average equity (ytd only) | 9.5106% | 981 |
| Net charge-offs to loans | 0.1265% | 4,781 |
| Credit loss provision to net charge-offs | 167.9104% | 1,802 |
| Earnings coverage of net charge-offs (x) | 19.5970% | 1,252 |
| Efficiency ratio | 65.7872% | 4,752 |
| Assets per employee ($millions) | 6.7636% | 829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,605 |
| Loan loss allowance to noncurrent loans | 93.8472% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 5,864 |
| Noncurrent loans to loans | 0.9559% | 4,975 |
| Net loans and leases to total assets | 50.6892% | 5,616 |
| Net loans and leases to deposits | 55.3472% | 6,090 |
| Net loans and leases to core deposits | 57.4403% | 6,176 |
| Total domestic deposits to total assets | 91.5839% | 277 |
| Equity capital to assets | 7.6088% | 6,890 |
| Core capital (leverage) ratio | 7.6573% | 6,667 |
| Tier 1 risk-based capital ratio | 12.9820% | 5,112 |
| Total risk-based capital ratio | 13.7822% | 5,451 |
| Memoranda: | ||
| Average total assets | $1,155,311,250 | 568 |
| Average earning assets | $1,102,340,250 | 537 |
| Average equity | $84,899,750 | 794 |
| Average total loans | $565,021,750 | 755 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4986% | 7,157 |
| Cost of funding earning assets | 0.4907% | 6,873 |
| Net interest margin | 3.0079% | 6,589 |
| Noninterest income to average assets | 0.6170% | 3,020 |
| Noninterest expense to average assets | 2.3161% | 6,078 |
| Loan and lease loss provision to assets | 0.0782% | 5,334 |
| Net operating income to assets | 0.6917% | 3,581 |
| Return on assets (ROA) | 0.6919% | 3,699 |
| Pretax return on assets | 1.0889% | 2,894 |
| Return on Equity (ROE) | 9.5303% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.5303% | 952 |
| Net charge-offs to loans | 0.0715% | 4,923 |
| Credit loss provision to net charge-offs | 227.2727% | 1,320 |
| Earnings coverage of net charge-offs (x) | 33.8939% | 849 |
| Efficiency ratio | 66.5003% | 4,773 |
| Assets per employee ($millions) | 7.3779% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9070% | 6,636 |
| Loan loss allowance to noncurrent loans | 94.3976% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 0.4544% | 6,015 |
| Noncurrent loans to loans | 0.9608% | 5,069 |
| Net loans and leases to total assets | 45.5250% | 6,309 |
| Net loans and leases to deposits | 49.2513% | 6,654 |
| Net loans and leases to core deposits | 51.0108% | 6,711 |
| Total domestic deposits to total assets | 92.4343% | 169 |
| Equity capital to assets | 6.8345% | 7,137 |
| Core capital (leverage) ratio | 7.4230% | 6,796 |
| Tier 1 risk-based capital ratio | 13.1103% | 4,830 |
| Total risk-based capital ratio | 13.9210% | 5,174 |
| Memoranda: | ||
| Average total assets | $1,150,379,000 | 577 |
| Average earning assets | $1,096,037,670 | 546 |
| Average equity | $83,522,670 | 807 |
| Average total loans | $553,866,670 | 778 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4710% | 7,222 |
| Cost of funding earning assets | 0.4915% | 6,998 |
| Net interest margin | 2.9795% | 6,611 |
| Noninterest income to average assets | 0.5495% | 3,516 |
| Noninterest expense to average assets | 2.3793% | 5,953 |
| Loan and lease loss provision to assets | 0.0822% | 4,972 |
| Net operating income to assets | 0.6124% | 3,973 |
| Return on assets (ROA) | 0.6124% | 4,039 |
| Pretax return on assets | 0.9142% | 3,447 |
| Return on Equity (ROE) | 8.1585% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.1585% | 1,674 |
| Net charge-offs to loans | 0.1035% | 3,919 |
| Credit loss provision to net charge-offs | 160.7143% | 1,795 |
| Earnings coverage of net charge-offs (x) | 19.4786% | 1,140 |
| Efficiency ratio | 70.4838% | 4,166 |
| Assets per employee ($millions) | 6.8232% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9233% | 6,642 |
| Loan loss allowance to noncurrent loans | 101.4146% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 6,072 |
| Noncurrent loans to loans | 0.9104% | 5,220 |
| Net loans and leases to total assets | 48.2238% | 6,054 |
| Net loans and leases to deposits | 52.6299% | 6,429 |
| Net loans and leases to core deposits | 54.8679% | 6,494 |
| Total domestic deposits to total assets | 91.6282% | 384 |
| Equity capital to assets | 7.3108% | 6,966 |
| Core capital (leverage) ratio | 8.1688% | 6,018 |
| Tier 1 risk-based capital ratio | 13.5948% | 4,361 |
| Total risk-based capital ratio | 14.4314% | 4,655 |
| Memoranda: | ||
| Average total assets | $1,094,757,500 | 618 |
| Average earning assets | $1,038,421,000 | 585 |
| Average equity | $82,171,500 | 807 |
| Average total loans | $540,994,500 | 801 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5578% | 7,365 |
| Cost of funding earning assets | 0.6381% | 7,039 |
| Net interest margin | 2.9197% | 6,869 |
| Noninterest income to average assets | 0.7125% | 2,770 |
| Noninterest expense to average assets | 2.5108% | 5,751 |
| Loan and lease loss provision to assets | 0.1972% | 5,261 |
| Net operating income to assets | 0.5242% | 3,988 |
| Return on assets (ROA) | 0.5971% | 3,845 |
| Pretax return on assets | 0.8619% | 3,433 |
| Return on Equity (ROE) | 8.4076% | 2,532 |
| Retained earnings to average equity (ytd only) | 8.4076% | 864 |
| Net charge-offs to loans | 0.2405% | 4,844 |
| Credit loss provision to net charge-offs | 162.2843% | 2,139 |
| Earnings coverage of net charge-offs (x) | 7.8480% | 2,056 |
| Efficiency ratio | 72.4771% | 3,707 |
| Assets per employee ($millions) | 6.3285% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9431% | 6,598 |
| Loan loss allowance to noncurrent loans | 87.3168% | 3,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 5,911 |
| Noncurrent loans to loans | 1.0801% | 4,933 |
| Net loans and leases to total assets | 49.7402% | 6,188 |
| Net loans and leases to deposits | 54.8283% | 6,535 |
| Net loans and leases to core deposits | 58.0378% | 6,557 |
| Total domestic deposits to total assets | 90.7199% | 737 |
| Equity capital to assets | 7.7150% | 6,740 |
| Core capital (leverage) ratio | 8.0835% | 6,055 |
| Tier 1 risk-based capital ratio | 13.6885% | 4,068 |
| Total risk-based capital ratio | 14.5339% | 4,345 |
| Memoranda: | ||
| Average total assets | $1,001,705,200 | 664 |
| Average earning assets | $944,104,800 | 641 |
| Average equity | $71,138,400 | 949 |
| Average total loans | $505,930,000 | 888 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 7,499 |
| Cost of funding earning assets | 0.6566% | 7,164 |
| Net interest margin | 2.9318% | 6,956 |
| Noninterest income to average assets | 0.7169% | 2,729 |
| Noninterest expense to average assets | 2.4556% | 5,867 |
| Loan and lease loss provision to assets | 0.1822% | 5,223 |
| Net operating income to assets | 0.5784% | 3,968 |
| Return on assets (ROA) | 0.5849% | 4,102 |
| Pretax return on assets | 0.8486% | 3,739 |
| Return on Equity (ROE) | 8.4310% | 2,724 |
| Retained earnings to average equity (ytd only) | 8.4310% | 1,266 |
| Net charge-offs to loans | 0.2876% | 4,221 |
| Credit loss provision to net charge-offs | 125.2319% | 3,269 |
| Earnings coverage of net charge-offs (x) | 7.0204% | 2,399 |
| Efficiency ratio | 70.6245% | 3,953 |
| Assets per employee ($millions) | 6.4654% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 6,718 |
| Loan loss allowance to noncurrent loans | 95.1168% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 6,205 |
| Noncurrent loans to loans | 0.9546% | 5,324 |
| Net loans and leases to total assets | 46.2302% | 6,677 |
| Net loans and leases to deposits | 50.7253% | 6,967 |
| Net loans and leases to core deposits | 53.8583% | 6,962 |
| Total domestic deposits to total assets | 91.1384% | 400 |
| Equity capital to assets | 7.6155% | 7,048 |
| Core capital (leverage) ratio | 8.1675% | 6,085 |
| Tier 1 risk-based capital ratio | 14.0402% | 3,805 |
| Total risk-based capital ratio | 14.9010% | 4,032 |
| Memoranda: | ||
| Average total assets | $987,915,250 | 666 |
| Average earning assets | $930,057,750 | 645 |
| Average equity | $68,538,750 | 973 |
| Average total loans | $499,739,500 | 898 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6662% | 7,547 |
| Cost of funding earning assets | 0.6860% | 7,221 |
| Net interest margin | 2.9802% | 6,867 |
| Noninterest income to average assets | 0.6969% | 2,725 |
| Noninterest expense to average assets | 2.4696% | 5,837 |
| Loan and lease loss provision to assets | 0.1768% | 5,102 |
| Net operating income to assets | 0.5846% | 3,935 |
| Return on assets (ROA) | 0.5886% | 4,066 |
| Pretax return on assets | 0.8583% | 3,667 |
| Return on Equity (ROE) | 8.8019% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.8019% | 1,177 |
| Net charge-offs to loans | 0.2302% | 4,219 |
| Credit loss provision to net charge-offs | 147.5694% | 2,677 |
| Earnings coverage of net charge-offs (x) | 8.5920% | 2,118 |
| Efficiency ratio | 70.5819% | 4,064 |
| Assets per employee ($millions) | 6.2663% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9036% | 6,747 |
| Loan loss allowance to noncurrent loans | 66.3877% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7561% | 5,613 |
| Noncurrent loans to loans | 1.3612% | 4,672 |
| Net loans and leases to total assets | 49.1430% | 6,530 |
| Net loans and leases to deposits | 53.2936% | 6,906 |
| Net loans and leases to core deposits | 57.3322% | 6,869 |
| Total domestic deposits to total assets | 92.2117% | 190 |
| Equity capital to assets | 6.5175% | 7,465 |
| Core capital (leverage) ratio | 6.7890% | 7,285 |
| Tier 1 risk-based capital ratio | 11.4341% | 5,841 |
| Total risk-based capital ratio | 12.2434% | 6,226 |
| Memoranda: | ||
| Average total assets | $961,623,000 | 688 |
| Average earning assets | $904,086,330 | 660 |
| Average equity | $64,304,330 | 1,034 |
| Average total loans | $500,419,670 | 909 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7106% | 7,632 |
| Cost of funding earning assets | 0.7058% | 7,321 |
| Net interest margin | 3.0049% | 6,823 |
| Noninterest income to average assets | 0.6328% | 3,059 |
| Noninterest expense to average assets | 2.4345% | 5,971 |
| Loan and lease loss provision to assets | 0.1706% | 4,826 |
| Net operating income to assets | 0.5831% | 3,976 |
| Return on assets (ROA) | 0.5787% | 4,133 |
| Pretax return on assets | 0.8409% | 3,701 |
| Return on Equity (ROE) | 8.5373% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.5373% | 1,523 |
| Net charge-offs to loans | 0.1071% | 4,357 |
| Credit loss provision to net charge-offs | 298.5075% | 1,331 |
| Earnings coverage of net charge-offs (x) | 17.8134% | 1,261 |
| Efficiency ratio | 70.5163% | 4,218 |
| Assets per employee ($millions) | 6.1575% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 6,827 |
| Loan loss allowance to noncurrent loans | 51.2143% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 0.9705% | 5,207 |
| Noncurrent loans to loans | 1.7662% | 4,100 |
| Net loans and leases to total assets | 51.4696% | 6,325 |
| Net loans and leases to deposits | 56.0194% | 6,771 |
| Net loans and leases to core deposits | 61.2749% | 6,658 |
| Total domestic deposits to total assets | 91.8782% | 269 |
| Equity capital to assets | 6.7044% | 7,479 |
| Core capital (leverage) ratio | 7.5809% | 6,761 |
| Tier 1 risk-based capital ratio | 11.4015% | 5,763 |
| Total risk-based capital ratio | 12.2716% | 6,107 |
| Memoranda: | ||
| Average total assets | $937,997,000 | 726 |
| Average earning assets | $880,174,500 | 697 |
| Average equity | $63,580,000 | 1,052 |
| Average total loans | $500,473,500 | 938 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 7,703 |
| Cost of funding earning assets | 0.9732% | 7,254 |
| Net interest margin | 3.0178% | 6,603 |
| Noninterest income to average assets | 0.7785% | 2,521 |
| Noninterest expense to average assets | 2.7910% | 5,011 |
| Loan and lease loss provision to assets | 0.1320% | 6,319 |
| Net operating income to assets | 0.4663% | 3,872 |
| Return on assets (ROA) | 0.4783% | 3,920 |
| Pretax return on assets | 0.7015% | 3,565 |
| Return on Equity (ROE) | 6.8011% | 2,869 |
| Retained earnings to average equity (ytd only) | 6.8011% | 1,035 |
| Net charge-offs to loans | 0.1101% | 6,059 |
| Credit loss provision to net charge-offs | 214.3689% | 1,785 |
| Earnings coverage of net charge-offs (x) | 13.2505% | 1,442 |
| Efficiency ratio | 77.3793% | 3,295 |
| Assets per employee ($millions) | 5.9832% | 1,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 6,993 |
| Loan loss allowance to noncurrent loans | 51.3605% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 0.9251% | 5,244 |
| Noncurrent loans to loans | 1.6471% | 4,180 |
| Net loans and leases to total assets | 54.3776% | 6,159 |
| Net loans and leases to deposits | 59.6486% | 6,660 |
| Net loans and leases to core deposits | 67.6978% | 6,895 |
| Total domestic deposits to total assets | 91.1632% | 472 |
| Equity capital to assets | 6.8557% | 7,442 |
| Core capital (leverage) ratio | 7.4250% | 6,859 |
| Tier 1 risk-based capital ratio | 11.1470% | 5,779 |
| Total risk-based capital ratio | 11.9404% | 6,192 |
| Memoranda: | ||
| Average total assets | $836,372,000 | 810 |
| Average earning assets | $783,887,000 | 783 |
| Average equity | $58,814,200 | 1,125 |
| Average total loans | $467,961,400 | 1,032 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0487% | 7,788 |
| Cost of funding earning assets | 1.0146% | 7,360 |
| Net interest margin | 3.0341% | 6,507 |
| Noninterest income to average assets | 0.7906% | 2,481 |
| Noninterest expense to average assets | 2.8411% | 4,717 |
| Loan and lease loss provision to assets | 0.1716% | 5,648 |
| Net operating income to assets | 0.4296% | 4,275 |
| Return on assets (ROA) | 0.4459% | 4,317 |
| Pretax return on assets | 0.6443% | 4,041 |
| Return on Equity (ROE) | 6.2967% | 3,398 |
| Retained earnings to average equity (ytd only) | 6.2967% | 1,815 |
| Net charge-offs to loans | 0.1239% | 5,455 |
| Credit loss provision to net charge-offs | 246.1358% | 1,762 |
| Earnings coverage of net charge-offs (x) | 11.3630% | 1,861 |
| Efficiency ratio | 78.1962% | 3,134 |
| Assets per employee ($millions) | 5.4892% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8885% | 6,805 |
| Loan loss allowance to noncurrent loans | 57.6623% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 5,283 |
| Noncurrent loans to loans | 1.5408% | 4,332 |
| Net loans and leases to total assets | 56.1418% | 6,125 |
| Net loans and leases to deposits | 61.4793% | 6,722 |
| Net loans and leases to core deposits | 69.2993% | 7,000 |
| Total domestic deposits to total assets | 91.3182% | 297 |
| Equity capital to assets | 7.2057% | 7,487 |
| Core capital (leverage) ratio | 7.7411% | 6,676 |
| Tier 1 risk-based capital ratio | 11.4233% | 5,501 |
| Total risk-based capital ratio | 12.2531% | 5,917 |
| Memoranda: | ||
| Average total assets | $816,609,250 | 848 |
| Average earning assets | $765,096,250 | 816 |
| Average equity | $57,828,000 | 1,159 |
| Average total loans | $459,443,750 | 1,060 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0815% | 7,881 |
| Cost of funding earning assets | 1.0659% | 7,441 |
| Net interest margin | 3.0157% | 6,502 |
| Noninterest income to average assets | 0.7715% | 2,580 |
| Noninterest expense to average assets | 3.1053% | 3,681 |
| Loan and lease loss provision to assets | 0.1369% | 5,708 |
| Net operating income to assets | 0.2608% | 5,048 |
| Return on assets (ROA) | 0.2630% | 5,133 |
| Pretax return on assets | 0.3567% | 5,057 |
| Return on Equity (ROE) | 3.7376% | 4,601 |
| Retained earnings to average equity (ytd only) | 3.7376% | 3,215 |
| Net charge-offs to loans | 0.1354% | 4,812 |
| Credit loss provision to net charge-offs | 180.0654% | 2,537 |
| Earnings coverage of net charge-offs (x) | 6.4542% | 2,617 |
| Efficiency ratio | 86.3577% | 2,193 |
| Assets per employee ($millions) | 5.5867% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8449% | 6,997 |
| Loan loss allowance to noncurrent loans | 44.7900% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 4,719 |
| Noncurrent loans to loans | 1.8863% | 3,685 |
| Net loans and leases to total assets | 52.8965% | 6,577 |
| Net loans and leases to deposits | 57.7429% | 7,044 |
| Net loans and leases to core deposits | 64.2535% | 7,290 |
| Total domestic deposits to total assets | 91.6069% | 292 |
| Equity capital to assets | 6.6181% | 7,780 |
| Core capital (leverage) ratio | 7.4923% | 7,030 |
| Tier 1 risk-based capital ratio | 11.4684% | 5,419 |
| Total risk-based capital ratio | 12.2338% | 5,825 |
| Memoranda: | ||
| Average total assets | $805,202,670 | 875 |
| Average earning assets | $754,127,670 | 846 |
| Average equity | $56,668,000 | 1,189 |
| Average total loans | $451,940,670 | 1,102 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2811% | 7,859 |
| Cost of funding earning assets | 1.1183% | 7,486 |
| Net interest margin | 3.1629% | 5,974 |
| Noninterest income to average assets | 0.6959% | 2,912 |
| Noninterest expense to average assets | 3.1393% | 3,235 |
| Loan and lease loss provision to assets | 0.1549% | 4,949 |
| Net operating income to assets | 0.2612% | 5,434 |
| Return on assets (ROA) | 0.2612% | 5,604 |
| Pretax return on assets | 0.3541% | 5,524 |
| Return on Equity (ROE) | 3.5920% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.5920% | 3,897 |
| Net charge-offs to loans | 0.0072% | 5,581 |
| Credit loss provision to net charge-offs | 3,750.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 123.2500% | 354 |
| Efficiency ratio | 86.0478% | 2,060 |
| Assets per employee ($millions) | 4.9748% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8780% | 6,834 |
| Loan loss allowance to noncurrent loans | 63.7405% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7987% | 5,180 |
| Noncurrent loans to loans | 1.3775% | 4,250 |
| Net loans and leases to total assets | 55.6752% | 6,286 |
| Net loans and leases to deposits | 61.1605% | 6,801 |
| Net loans and leases to core deposits | 69.6422% | 7,042 |
| Total domestic deposits to total assets | 91.0313% | 406 |
| Equity capital to assets | 7.0152% | 7,672 |
| Core capital (leverage) ratio | 8.0773% | 6,334 |
| Tier 1 risk-based capital ratio | 11.4574% | 5,454 |
| Total risk-based capital ratio | 12.2353% | 5,816 |
| Memoranda: | ||
| Average total assets | $774,834,500 | 902 |
| Average earning assets | $723,268,000 | 883 |
| Average equity | $56,347,500 | 1,202 |
| Average total loans | $446,934,000 | 1,129 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 7,858 |
| Cost of funding earning assets | 1.7147% | 7,227 |
| Net interest margin | 3.2498% | 6,213 |
| Noninterest income to average assets | 0.9468% | 1,781 |
| Noninterest expense to average assets | 3.1868% | 3,386 |
| Loan and lease loss provision to assets | 0.0762% | 6,447 |
| Net operating income to assets | 0.4842% | 4,810 |
| Return on assets (ROA) | 0.4370% | 4,827 |
| Pretax return on assets | 0.6241% | 4,616 |
| Return on Equity (ROE) | 5.2995% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.2995% | 1,857 |
| Net charge-offs to loans | 0.1174% | 5,087 |
| Credit loss provision to net charge-offs | 109.0909% | 4,931 |
| Earnings coverage of net charge-offs (x) | 10.9859% | 2,434 |
| Efficiency ratio | 80.5555% | 2,525 |
| Assets per employee ($millions) | 4.5934% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8239% | 7,014 |
| Loan loss allowance to noncurrent loans | 72.2497% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.7029% | 5,118 |
| Noncurrent loans to loans | 1.1403% | 4,265 |
| Net loans and leases to total assets | 58.8110% | 6,088 |
| Net loans and leases to deposits | 65.0617% | 6,710 |
| Net loans and leases to core deposits | 72.7013% | 7,035 |
| Total domestic deposits to total assets | 90.3926% | 522 |
| Equity capital to assets | 7.5471% | 7,346 |
| Core capital (leverage) ratio | 8.3259% | 5,904 |
| Tier 1 risk-based capital ratio | 11.5129% | 5,228 |
| Total risk-based capital ratio | 12.2578% | 5,620 |
| Memoranda: | ||
| Average total assets | $708,386,800 | 946 |
| Average earning assets | $655,612,400 | 926 |
| Average equity | $58,420,800 | 1,147 |
| Average total loans | $421,813,800 | 1,137 |