Home > Academy Bank > Performance and Condition Ratios
Academy Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5615% | 1,091 |
| Cost of funding earning assets | 2.1048% | 775 |
| Net interest margin | 3.4567% | 2,287 |
| Noninterest income to average assets | 1.7500% | 315 |
| Noninterest expense to average assets | 3.4304% | 630 |
| Loan and lease loss provision to assets | 0.2500% | 462 |
| Net operating income to assets | 1.0005% | 2,222 |
| Return on assets (ROA) | 1.0022% | 2,196 |
| Pretax return on assets | 1.3078% | 1,850 |
| Return on Equity (ROE) | 6.5300% | 3,409 |
| Retained earnings to average equity (ytd only) | 3.9432% | 2,978 |
| Net charge-offs to loans | 0.1367% | 733 |
| Credit loss provision to net charge-offs | 243.4457% | 1,091 |
| Earnings coverage of net charge-offs (x) | 14.7019% | 2,071 |
| Efficiency ratio | 68.2726% | 2,082 |
| Assets per employee ($millions) | 5.1028% | 3,558 |
| Cash dividends to net income (ytd only)* | 39.6542% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3927% | 1,413 |
| Loan loss allowance to noncurrent loans | 129.5362% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.8469% | 595 |
| Noncurrent loans to loans | 1.0751% | 681 |
| Net loans and leases to total assets | 76.1400% | 1,097 |
| Net loans and leases to deposits | 95.4813% | 827 |
| Net loans and leases to core deposits | 110.0047% | 965 |
| Total domestic deposits to total assets | 79.7400% | 3,508 |
| Equity capital to assets | 15.2224% | 533 |
| Core capital (leverage) ratio | 15.8618% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1096% | 775 |
| Memoranda: | ||
| Average total assets | $2,516,290,000 | 463 |
| Average earning assets | $2,357,155,200 | 449 |
| Average equity | $385,932,600 | 324 |
| Average total loans | $1,953,326,000 | 410 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4513% | 1,070 |
| Cost of funding earning assets | 1.9562% | 771 |
| Net interest margin | 3.4951% | 2,220 |
| Noninterest income to average assets | 1.8200% | 316 |
| Noninterest expense to average assets | 3.4389% | 595 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 1.0976% | 2,065 |
| Return on assets (ROA) | 1.0926% | 2,063 |
| Pretax return on assets | 1.4342% | 1,703 |
| Return on Equity (ROE) | 7.1100% | 3,400 |
| Retained earnings to average equity (ytd only) | 4.5013% | 3,104 |
| Net charge-offs to loans | 0.0984% | 794 |
| Credit loss provision to net charge-offs | 272.5367% | 940 |
| Earnings coverage of net charge-offs (x) | 21.6667% | 1,774 |
| Efficiency ratio | 67.0173% | 2,143 |
| Assets per employee ($millions) | 4.9635% | 3,631 |
| Cash dividends to net income (ytd only)* | 36.6874% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 1,682 |
| Loan loss allowance to noncurrent loans | 124.3183% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.8544% | 644 |
| Noncurrent loans to loans | 1.0803% | 737 |
| Net loans and leases to total assets | 78.0300% | 878 |
| Net loans and leases to deposits | 95.6045% | 778 |
| Net loans and leases to core deposits | 111.1242% | 832 |
| Total domestic deposits to total assets | 81.6200% | 3,288 |
| Equity capital to assets | 15.3170% | 500 |
| Core capital (leverage) ratio | 16.2761% | 464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1854% | 796 |
| Memoranda: | ||
| Average total assets | $2,494,759,750 | 467 |
| Average earning assets | $2,336,881,750 | 455 |
| Average equity | $383,378,250 | 325 |
| Average total loans | $1,939,304,250 | 414 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3057% | 1,073 |
| Cost of funding earning assets | 1.7870% | 753 |
| Net interest margin | 3.5186% | 2,222 |
| Noninterest income to average assets | 1.8400% | 263 |
| Noninterest expense to average assets | 3.4102% | 595 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.1411% | 2,000 |
| Return on assets (ROA) | 1.1411% | 1,993 |
| Pretax return on assets | 1.4973% | 1,603 |
| Return on Equity (ROE) | 7.4200% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.8075% | 2,991 |
| Net charge-offs to loans | 0.0607% | 940 |
| Credit loss provision to net charge-offs | 445.2055% | 693 |
| Earnings coverage of net charge-offs (x) | 36.8134% | 1,451 |
| Efficiency ratio | 65.9293% | 2,248 |
| Assets per employee ($millions) | 5.1322% | 3,472 |
| Cash dividends to net income (ytd only)* | 35.1840% | 1,899 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 1,756 |
| Loan loss allowance to noncurrent loans | 122.6325% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 590 |
| Noncurrent loans to loans | 1.0923% | 659 |
| Net loans and leases to total assets | 76.8100% | 963 |
| Net loans and leases to deposits | 94.1867% | 845 |
| Net loans and leases to core deposits | 111.5390% | 763 |
| Total domestic deposits to total assets | 81.5500% | 3,320 |
| Equity capital to assets | 15.4436% | 483 |
| Core capital (leverage) ratio | 16.0029% | 476 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1637% | 798 |
| Memoranda: | ||
| Average total assets | $2,490,824,333 | 455 |
| Average earning assets | $2,333,397,667 | 446 |
| Average equity | $383,194,000 | 315 |
| Average total loans | $1,924,917,333 | 401 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 1,116 |
| Cost of funding earning assets | 1.5337% | 787 |
| Net interest margin | 3.5322% | 2,279 |
| Noninterest income to average assets | 1.7500% | 276 |
| Noninterest expense to average assets | 3.3689% | 634 |
| Loan and lease loss provision to assets | 0.2700% | 333 |
| Net operating income to assets | 1.0850% | 2,275 |
| Return on assets (ROA) | 1.0928% | 2,216 |
| Pretax return on assets | 1.4329% | 1,805 |
| Return on Equity (ROE) | 7.1200% | 3,489 |
| Retained earnings to average equity (ytd only) | 7.1170% | 2,461 |
| Net charge-offs to loans | 0.0505% | 861 |
| Credit loss provision to net charge-offs | 580.9129% | 517 |
| Earnings coverage of net charge-offs (x) | 43.4772% | 1,153 |
| Efficiency ratio | 66.1344% | 2,192 |
| Assets per employee ($millions) | 5.2863% | 3,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 1,973 |
| Loan loss allowance to noncurrent loans | 100.9652% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9943% | 410 |
| Noncurrent loans to loans | 1.3007% | 519 |
| Net loans and leases to total assets | 75.4400% | 1,029 |
| Net loans and leases to deposits | 92.4995% | 886 |
| Net loans and leases to core deposits | 110.7127% | 681 |
| Total domestic deposits to total assets | 81.5600% | 3,550 |
| Equity capital to assets | 15.2908% | 454 |
| Core capital (leverage) ratio | 16.3247% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2586% | 811 |
| Memoranda: | ||
| Average total assets | $2,481,421,000 | 466 |
| Average earning assets | $2,326,364,000 | 456 |
| Average equity | $381,002,500 | 325 |
| Average total loans | $1,910,464,000 | 413 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2662% | 1,126 |
| Cost of funding earning assets | 0.5409% | 1,153 |
| Net interest margin | 3.7253% | 1,321 |
| Noninterest income to average assets | 2.1300% | 229 |
| Noninterest expense to average assets | 3.7978% | 384 |
| Loan and lease loss provision to assets | 0.1400% | 867 |
| Net operating income to assets | 1.2944% | 1,454 |
| Return on assets (ROA) | 1.2780% | 1,463 |
| Pretax return on assets | 1.6724% | 986 |
| Return on Equity (ROE) | 7.9800% | 3,393 |
| Retained earnings to average equity (ytd only) | 5.3037% | 2,925 |
| Net charge-offs to loans | 0.4418% | 171 |
| Credit loss provision to net charge-offs | 40.7539% | 1,859 |
| Earnings coverage of net charge-offs (x) | 5.4414% | 2,375 |
| Efficiency ratio | 66.9853% | 2,092 |
| Assets per employee ($millions) | 5.3773% | 3,341 |
| Cash dividends to net income (ytd only)* | 33.5188% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4714% | 1,287 |
| Loan loss allowance to noncurrent loans | 135.3496% | 3,079 |
| Noncurrent assets plus other real estate owned to assets | 0.8431% | 547 |
| Noncurrent loans to loans | 1.0871% | 661 |
| Net loans and leases to total assets | 76.4200% | 967 |
| Net loans and leases to deposits | 93.8412% | 797 |
| Net loans and leases to core deposits | 108.8259% | 647 |
| Total domestic deposits to total assets | 81.4300% | 3,703 |
| Equity capital to assets | 15.4197% | 437 |
| Core capital (leverage) ratio | 16.4467% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0555% | 822 |
| Memoranda: | ||
| Average total assets | $2,334,436,800 | 484 |
| Average earning assets | $2,189,690,400 | 468 |
| Average equity | $373,964,600 | 327 |
| Average total loans | $1,777,179,600 | 414 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 1,148 |
| Cost of funding earning assets | 0.3685% | 1,539 |
| Net interest margin | 3.6881% | 1,172 |
| Noninterest income to average assets | 2.2000% | 241 |
| Noninterest expense to average assets | 3.8770% | 353 |
| Loan and lease loss provision to assets | 0.1600% | 607 |
| Net operating income to assets | 1.2451% | 1,538 |
| Return on assets (ROA) | 1.2226% | 1,596 |
| Pretax return on assets | 1.5976% | 1,125 |
| Return on Equity (ROE) | 7.5600% | 3,449 |
| Retained earnings to average equity (ytd only) | 4.8786% | 3,146 |
| Net charge-offs to loans | 0.5427% | 120 |
| Credit loss provision to net charge-offs | 39.3535% | 1,565 |
| Earnings coverage of net charge-offs (x) | 4.3493% | 2,177 |
| Efficiency ratio | 67.9276% | 2,039 |
| Assets per employee ($millions) | 5.0361% | 3,642 |
| Cash dividends to net income (ytd only)* | 35.4426% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,224 |
| Loan loss allowance to noncurrent loans | 229.0309% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 1,033 |
| Noncurrent loans to loans | 0.6681% | 1,221 |
| Net loans and leases to total assets | 77.4900% | 750 |
| Net loans and leases to deposits | 95.8383% | 562 |
| Net loans and leases to core deposits | 108.2073% | 526 |
| Total domestic deposits to total assets | 80.8500% | 4,008 |
| Equity capital to assets | 15.4820% | 412 |
| Core capital (leverage) ratio | 16.7935% | 386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4858% | 792 |
| Memoranda: | ||
| Average total assets | $2,307,723,750 | 489 |
| Average earning assets | $2,165,624,500 | 474 |
| Average equity | $373,346,000 | 331 |
| Average total loans | $1,748,123,750 | 418 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 1,132 |
| Cost of funding earning assets | 0.2752% | 1,956 |
| Net interest margin | 3.6128% | 1,047 |
| Noninterest income to average assets | 2.2071% | 203 |
| Noninterest expense to average assets | 4.0045% | 281 |
| Loan and lease loss provision to assets | 0.2090% | 389 |
| Net operating income to assets | 1.0664% | 1,912 |
| Return on assets (ROA) | 1.0437% | 1,971 |
| Pretax return on assets | 1.3606% | 1,551 |
| Return on Equity (ROE) | 6.3585% | 3,484 |
| Retained earnings to average equity (ytd only) | 3.7056% | 3,202 |
| Net charge-offs to loans | 0.6401% | 98 |
| Credit loss provision to net charge-offs | 43.6840% | 1,521 |
| Earnings coverage of net charge-offs (x) | 3.3404% | 2,002 |
| Efficiency ratio | 70.9223% | 1,835 |
| Assets per employee ($millions) | 4.7306% | 3,905 |
| Cash dividends to net income (ytd only)* | 41.7223% | 1,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6714% | 1,004 |
| Loan loss allowance to noncurrent loans | 148.9318% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 0.8699% | 589 |
| Noncurrent loans to loans | 1.1222% | 731 |
| Net loans and leases to total assets | 76.2164% | 707 |
| Net loans and leases to deposits | 95.5624% | 450 |
| Net loans and leases to core deposits | 107.4144% | 408 |
| Total domestic deposits to total assets | 79.7556% | 4,246 |
| Equity capital to assets | 16.2604% | 315 |
| Core capital (leverage) ratio | 16.8549% | 329 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9499% | 727 |
| Memoranda: | ||
| Average total assets | $2,296,374,667 | 484 |
| Average earning assets | $2,158,402,333 | 475 |
| Average equity | $376,943,333 | 328 |
| Average total loans | $1,716,569,667 | 414 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 1,126 |
| Cost of funding earning assets | 0.2723% | 1,906 |
| Net interest margin | 3.5077% | 1,080 |
| Noninterest income to average assets | 2.1625% | 211 |
| Noninterest expense to average assets | 3.9413% | 288 |
| Loan and lease loss provision to assets | 0.2598% | 248 |
| Net operating income to assets | 0.9761% | 1,981 |
| Return on assets (ROA) | 0.9494% | 2,067 |
| Pretax return on assets | 1.2349% | 1,693 |
| Return on Equity (ROE) | 5.7573% | 3,412 |
| Retained earnings to average equity (ytd only) | 3.1313% | 3,215 |
| Net charge-offs to loans | 1.1187% | 63 |
| Credit loss provision to net charge-offs | 31.6456% | 1,259 |
| Earnings coverage of net charge-offs (x) | 1.8616% | 1,724 |
| Efficiency ratio | 71.4476% | 2,051 |
| Assets per employee ($millions) | 4.4137% | 4,192 |
| Cash dividends to net income (ytd only)* | 45.6121% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6969% | 1,060 |
| Loan loss allowance to noncurrent loans | 183.9324% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 825 |
| Noncurrent loans to loans | 0.9226% | 992 |
| Net loans and leases to total assets | 73.3193% | 714 |
| Net loans and leases to deposits | 91.7571% | 444 |
| Net loans and leases to core deposits | 101.0253% | 480 |
| Total domestic deposits to total assets | 79.9059% | 4,295 |
| Equity capital to assets | 16.1625% | 309 |
| Core capital (leverage) ratio | 16.4622% | 310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2172% | 726 |
| Memoranda: | ||
| Average total assets | $2,309,206,500 | 484 |
| Average earning assets | $2,177,293,500 | 472 |
| Average equity | $380,802,000 | 335 |
| Average total loans | $1,694,819,000 | 419 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9452% | 1,504 |
| Cost of funding earning assets | 0.4138% | 1,444 |
| Net interest margin | 3.5313% | 1,648 |
| Noninterest income to average assets | 2.9468% | 186 |
| Noninterest expense to average assets | 4.0668% | 274 |
| Loan and lease loss provision to assets | 0.1313% | 930 |
| Net operating income to assets | 1.6016% | 803 |
| Return on assets (ROA) | 1.5973% | 849 |
| Pretax return on assets | 2.0830% | 514 |
| Return on Equity (ROE) | 9.8194% | 2,595 |
| Retained earnings to average equity (ytd only) | 9.8194% | 963 |
| Net charge-offs to loans | 0.2467% | 375 |
| Credit loss provision to net charge-offs | 73.3138% | 1,994 |
| Earnings coverage of net charge-offs (x) | 12.3903% | 2,114 |
| Efficiency ratio | 64.1958% | 2,531 |
| Assets per employee ($millions) | 4.3750% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9530% | 656 |
| Loan loss allowance to noncurrent loans | 154.2853% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.9139% | 637 |
| Noncurrent loans to loans | 1.2658% | 762 |
| Net loans and leases to total assets | 70.7893% | 946 |
| Net loans and leases to deposits | 89.0474% | 605 |
| Net loans and leases to core deposits | 99.2274% | 572 |
| Total domestic deposits to total assets | 79.4961% | 4,266 |
| Equity capital to assets | 16.8197% | 307 |
| Core capital (leverage) ratio | 16.6212% | 314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8576% | 672 |
| Memoranda: | ||
| Average total assets | $2,284,180,600 | 467 |
| Average earning assets | $2,160,195,800 | 457 |
| Average equity | $371,570,800 | 339 |
| Average total loans | $1,658,664,200 | 422 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 1,553 |
| Cost of funding earning assets | 0.4605% | 1,284 |
| Net interest margin | 3.5305% | 1,783 |
| Noninterest income to average assets | 3.0166% | 191 |
| Noninterest expense to average assets | 3.9843% | 287 |
| Loan and lease loss provision to assets | 0.1755% | 608 |
| Net operating income to assets | 1.6721% | 881 |
| Return on assets (ROA) | 1.6683% | 928 |
| Pretax return on assets | 2.1876% | 560 |
| Return on Equity (ROE) | 10.3446% | 2,615 |
| Retained earnings to average equity (ytd only) | 10.3446% | 1,214 |
| Net charge-offs to loans | 0.1879% | 449 |
| Credit loss provision to net charge-offs | 128.4247% | 1,426 |
| Earnings coverage of net charge-offs (x) | 17.3253% | 1,817 |
| Efficiency ratio | 62.2345% | 2,653 |
| Assets per employee ($millions) | 4.2065% | 4,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0856% | 550 |
| Loan loss allowance to noncurrent loans | 127.3487% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.1890% | 497 |
| Noncurrent loans to loans | 1.6377% | 622 |
| Net loans and leases to total assets | 71.0885% | 976 |
| Net loans and leases to deposits | 87.9743% | 715 |
| Net loans and leases to core deposits | 98.0829% | 656 |
| Total domestic deposits to total assets | 80.8059% | 4,120 |
| Equity capital to assets | 16.8763% | 343 |
| Core capital (leverage) ratio | 16.3944% | 362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0866% | 687 |
| Memoranda: | ||
| Average total assets | $2,278,815,750 | 472 |
| Average earning assets | $2,153,045,750 | 463 |
| Average equity | $367,513,000 | 343 |
| Average total loans | $1,657,166,000 | 430 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9098% | 1,788 |
| Cost of funding earning assets | 0.5254% | 1,067 |
| Net interest margin | 3.3845% | 2,190 |
| Noninterest income to average assets | 3.1001% | 177 |
| Noninterest expense to average assets | 3.9972% | 294 |
| Loan and lease loss provision to assets | 0.2627% | 366 |
| Net operating income to assets | 1.5545% | 1,158 |
| Return on assets (ROA) | 1.5501% | 1,227 |
| Pretax return on assets | 2.0321% | 786 |
| Return on Equity (ROE) | 9.7615% | 2,848 |
| Retained earnings to average equity (ytd only) | 9.7615% | 1,479 |
| Net charge-offs to loans | 0.1193% | 650 |
| Credit loss provision to net charge-offs | 302.7245% | 878 |
| Earnings coverage of net charge-offs (x) | 26.5086% | 1,385 |
| Efficiency ratio | 62.9820% | 2,578 |
| Assets per employee ($millions) | 3.9587% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1507% | 467 |
| Loan loss allowance to noncurrent loans | 163.6882% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 0.9744% | 779 |
| Noncurrent loans to loans | 1.3139% | 896 |
| Net loans and leases to total assets | 72.5694% | 899 |
| Net loans and leases to deposits | 90.3121% | 634 |
| Net loans and leases to core deposits | 97.8267% | 730 |
| Total domestic deposits to total assets | 80.3540% | 4,180 |
| Equity capital to assets | 16.6046% | 364 |
| Core capital (leverage) ratio | 15.8067% | 394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1007% | 693 |
| Memoranda: | ||
| Average total assets | $2,284,061,000 | 469 |
| Average earning assets | $2,157,797,333 | 459 |
| Average equity | $362,709,333 | 344 |
| Average total loans | $1,661,869,333 | 430 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9509% | 1,704 |
| Cost of funding earning assets | 0.5968% | 882 |
| Net interest margin | 3.3541% | 2,233 |
| Noninterest income to average assets | 3.0566% | 196 |
| Noninterest expense to average assets | 3.9928% | 288 |
| Loan and lease loss provision to assets | 0.3810% | 208 |
| Net operating income to assets | 1.4163% | 1,531 |
| Return on assets (ROA) | 1.4060% | 1,632 |
| Pretax return on assets | 1.8437% | 1,209 |
| Return on Equity (ROE) | 9.0538% | 3,018 |
| Retained earnings to average equity (ytd only) | 9.0538% | 1,938 |
| Net charge-offs to loans | 0.1350% | 555 |
| Credit loss provision to net charge-offs | 391.4591% | 662 |
| Earnings coverage of net charge-offs (x) | 22.9911% | 1,200 |
| Efficiency ratio | 63.5934% | 2,520 |
| Assets per employee ($millions) | 3.9923% | 4,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1024% | 500 |
| Loan loss allowance to noncurrent loans | 134.8783% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 1.1226% | 694 |
| Noncurrent loans to loans | 1.5588% | 787 |
| Net loans and leases to total assets | 70.5035% | 1,228 |
| Net loans and leases to deposits | 85.6677% | 981 |
| Net loans and leases to core deposits | 94.4406% | 953 |
| Total domestic deposits to total assets | 82.2988% | 3,833 |
| Equity capital to assets | 15.5182% | 438 |
| Core capital (leverage) ratio | 15.2429% | 444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4896% | 627 |
| Memoranda: | ||
| Average total assets | $2,309,743,500 | 458 |
| Average earning assets | $2,185,601,500 | 449 |
| Average equity | $358,699,000 | 344 |
| Average total loans | $1,664,871,500 | 425 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1441% | 2,302 |
| Cost of funding earning assets | 1.1104% | 384 |
| Net interest margin | 3.0337% | 3,814 |
| Noninterest income to average assets | 2.9276% | 206 |
| Noninterest expense to average assets | 4.2527% | 298 |
| Loan and lease loss provision to assets | 0.9943% | 98 |
| Net operating income to assets | 0.4258% | 4,196 |
| Return on assets (ROA) | 0.4515% | 4,216 |
| Pretax return on assets | 0.5756% | 4,134 |
| Return on Equity (ROE) | 3.4470% | 4,277 |
| Retained earnings to average equity (ytd only) | 3.4470% | 3,103 |
| Net charge-offs to loans | 0.4512% | 367 |
| Credit loss provision to net charge-offs | 296.1881% | 1,752 |
| Earnings coverage of net charge-offs (x) | 4.5794% | 2,963 |
| Efficiency ratio | 72.9040% | 1,584 |
| Assets per employee ($millions) | 4.4765% | 3,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0322% | 548 |
| Loan loss allowance to noncurrent loans | 141.0942% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.0391% | 906 |
| Noncurrent loans to loans | 1.4403% | 936 |
| Net loans and leases to total assets | 70.6780% | 1,473 |
| Net loans and leases to deposits | 86.4720% | 1,217 |
| Net loans and leases to core deposits | 97.3152% | 1,043 |
| Total domestic deposits to total assets | 81.7351% | 3,725 |
| Equity capital to assets | 15.5416% | 483 |
| Core capital (leverage) ratio | 14.5716% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5725% | 621 |
| Memoranda: | ||
| Average total assets | $2,242,684,400 | 432 |
| Average earning assets | $2,116,094,800 | 420 |
| Average equity | $293,763,200 | 376 |
| Average total loans | $1,668,488,200 | 406 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 2,529 |
| Cost of funding earning assets | 1.1959% | 381 |
| Net interest margin | 2.9518% | 4,082 |
| Noninterest income to average assets | 2.8951% | 196 |
| Noninterest expense to average assets | 4.2197% | 315 |
| Loan and lease loss provision to assets | 1.0401% | 121 |
| Net operating income to assets | 0.3313% | 4,390 |
| Return on assets (ROA) | 0.3667% | 4,389 |
| Pretax return on assets | 0.4602% | 4,363 |
| Return on Equity (ROE) | 2.9408% | 4,403 |
| Retained earnings to average equity (ytd only) | 2.9408% | 3,550 |
| Net charge-offs to loans | 0.2311% | 663 |
| Credit loss provision to net charge-offs | 600.2070% | 1,162 |
| Earnings coverage of net charge-offs (x) | 8.4022% | 2,499 |
| Efficiency ratio | 73.7869% | 1,427 |
| Assets per employee ($millions) | 4.4172% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9145% | 570 |
| Loan loss allowance to noncurrent loans | 168.3145% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.8489% | 1,368 |
| Noncurrent loans to loans | 1.1374% | 1,335 |
| Net loans and leases to total assets | 72.9471% | 1,510 |
| Net loans and leases to deposits | 85.8219% | 1,723 |
| Net loans and leases to core deposits | 98.7489% | 1,262 |
| Total domestic deposits to total assets | 84.9983% | 2,438 |
| Equity capital to assets | 12.7005% | 1,332 |
| Core capital (leverage) ratio | 12.0142% | 1,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0715% | 1,044 |
| Memoranda: | ||
| Average total assets | $2,230,357,750 | 427 |
| Average earning assets | $2,101,068,500 | 417 |
| Average equity | $278,151,000 | 389 |
| Average total loans | $1,672,226,250 | 399 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 2,540 |
| Cost of funding earning assets | 1.2821% | 390 |
| Net interest margin | 2.9897% | 4,145 |
| Noninterest income to average assets | 2.8801% | 171 |
| Noninterest expense to average assets | 4.2278% | 320 |
| Loan and lease loss provision to assets | 1.1215% | 166 |
| Net operating income to assets | 0.2735% | 4,464 |
| Return on assets (ROA) | 0.2807% | 4,494 |
| Pretax return on assets | 0.3551% | 4,461 |
| Return on Equity (ROE) | 2.2653% | 4,480 |
| Retained earnings to average equity (ytd only) | 2.2653% | 3,655 |
| Net charge-offs to loans | 0.2439% | 643 |
| Credit loss provision to net charge-offs | 611.6360% | 1,092 |
| Earnings coverage of net charge-offs (x) | 8.0030% | 2,326 |
| Efficiency ratio | 73.6668% | 1,496 |
| Assets per employee ($millions) | 3.7502% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6684% | 879 |
| Loan loss allowance to noncurrent loans | 191.7117% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.6574% | 1,855 |
| Noncurrent loans to loans | 0.8703% | 1,754 |
| Net loans and leases to total assets | 73.9358% | 1,419 |
| Net loans and leases to deposits | 86.1220% | 1,752 |
| Net loans and leases to core deposits | 96.9475% | 1,502 |
| Total domestic deposits to total assets | 85.8500% | 2,078 |
| Equity capital to assets | 11.8345% | 1,766 |
| Core capital (leverage) ratio | 10.9995% | 1,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7495% | 1,307 |
| Memoranda: | ||
| Average total assets | $2,193,434,333 | 424 |
| Average earning assets | $2,065,345,333 | 413 |
| Average equity | $271,756,333 | 393 |
| Average total loans | $1,649,262,333 | 400 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 2,474 |
| Cost of funding earning assets | 1.3680% | 458 |
| Net interest margin | 3.0734% | 4,153 |
| Noninterest income to average assets | 3.0167% | 150 |
| Noninterest expense to average assets | 4.2910% | 372 |
| Loan and lease loss provision to assets | 1.3337% | 130 |
| Net operating income to assets | 0.2254% | 4,486 |
| Return on assets (ROA) | 0.2354% | 4,492 |
| Pretax return on assets | 0.2957% | 4,461 |
| Return on Equity (ROE) | 1.8544% | 4,473 |
| Retained earnings to average equity (ytd only) | 1.8544% | 3,492 |
| Net charge-offs to loans | 0.3313% | 441 |
| Credit loss provision to net charge-offs | 535.4449% | 846 |
| Earnings coverage of net charge-offs (x) | 6.4917% | 1,985 |
| Efficiency ratio | 72.0685% | 2,066 |
| Assets per employee ($millions) | 3.4071% | 4,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,295 |
| Loan loss allowance to noncurrent loans | 230.1993% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 2,503 |
| Noncurrent loans to loans | 0.6579% | 2,345 |
| Net loans and leases to total assets | 73.9562% | 1,612 |
| Net loans and leases to deposits | 87.7344% | 1,775 |
| Net loans and leases to core deposits | 100.7380% | 1,415 |
| Total domestic deposits to total assets | 84.2955% | 2,671 |
| Equity capital to assets | 12.6128% | 1,666 |
| Core capital (leverage) ratio | 12.1062% | 1,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1040% | 1,576 |
| Memoranda: | ||
| Average total assets | $2,129,455,500 | 423 |
| Average earning assets | $2,003,254,000 | 409 |
| Average equity | $270,272,000 | 392 |
| Average total loans | $1,601,163,500 | 400 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8212% | 1,983 |
| Cost of funding earning assets | 1.4073% | 552 |
| Net interest margin | 3.4140% | 3,700 |
| Noninterest income to average assets | 3.8166% | 114 |
| Noninterest expense to average assets | 5.1120% | 200 |
| Loan and lease loss provision to assets | 0.6607% | 172 |
| Net operating income to assets | 0.9588% | 2,988 |
| Return on assets (ROA) | 0.9608% | 3,062 |
| Pretax return on assets | 1.2628% | 2,634 |
| Return on Equity (ROE) | 6.7188% | 3,653 |
| Retained earnings to average equity (ytd only) | 3.0393% | 3,507 |
| Net charge-offs to loans | 0.5116% | 364 |
| Credit loss provision to net charge-offs | 167.0699% | 1,548 |
| Earnings coverage of net charge-offs (x) | 4.8574% | 3,161 |
| Efficiency ratio | 72.4618% | 1,800 |
| Assets per employee ($millions) | 3.1321% | 4,744 |
| Cash dividends to net income (ytd only)* | 54.7638% | 1,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1937% | 2,466 |
| Loan loss allowance to noncurrent loans | 183.0482% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.4944% | 2,435 |
| Noncurrent loans to loans | 0.6521% | 2,263 |
| Net loans and leases to total assets | 74.3934% | 1,683 |
| Net loans and leases to deposits | 88.8782% | 1,717 |
| Net loans and leases to core deposits | 99.0625% | 1,641 |
| Total domestic deposits to total assets | 83.7027% | 2,951 |
| Equity capital to assets | 12.7740% | 1,662 |
| Core capital (leverage) ratio | 13.1932% | 1,155 |
| Tier 1 risk-based capital ratio | 15.1056% | 2,737 |
| Total risk-based capital ratio | 16.2587% | 2,713 |
| Memoranda: | ||
| Average total assets | $1,672,450,000 | 508 |
| Average earning assets | $1,575,614,000 | 492 |
| Average equity | $239,163,600 | 409 |
| Average total loans | $1,292,859,200 | 467 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8824% | 1,865 |
| Cost of funding earning assets | 1.4263% | 522 |
| Net interest margin | 3.4562% | 3,715 |
| Noninterest income to average assets | 4.1378% | 112 |
| Noninterest expense to average assets | 5.1689% | 190 |
| Loan and lease loss provision to assets | 0.6553% | 166 |
| Net operating income to assets | 1.1936% | 2,218 |
| Return on assets (ROA) | 1.1936% | 2,294 |
| Pretax return on assets | 1.5706% | 1,736 |
| Return on Equity (ROE) | 8.0594% | 3,278 |
| Retained earnings to average equity (ytd only) | 8.0594% | 1,365 |
| Net charge-offs to loans | 0.4393% | 380 |
| Credit loss provision to net charge-offs | 191.3043% | 1,370 |
| Earnings coverage of net charge-offs (x) | 6.4984% | 2,833 |
| Efficiency ratio | 69.7482% | 2,154 |
| Assets per employee ($millions) | 2.7489% | 4,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3442% | 1,786 |
| Loan loss allowance to noncurrent loans | 231.8281% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 2,583 |
| Noncurrent loans to loans | 0.5798% | 2,549 |
| Net loans and leases to total assets | 81.9123% | 576 |
| Net loans and leases to deposits | 101.0794% | 553 |
| Net loans and leases to core deposits | 109.4163% | 973 |
| Total domestic deposits to total assets | 81.0376% | 3,745 |
| Equity capital to assets | 14.8604% | 884 |
| Core capital (leverage) ratio | 14.8205% | 781 |
| Tier 1 risk-based capital ratio | 16.7440% | 2,171 |
| Total risk-based capital ratio | 17.9951% | 2,112 |
| Memoranda: | ||
| Average total assets | $1,566,717,250 | 537 |
| Average earning assets | $1,476,437,750 | 523 |
| Average equity | $232,038,750 | 420 |
| Average total loans | $1,221,659,750 | 489 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8560% | 1,892 |
| Cost of funding earning assets | 1.3939% | 549 |
| Net interest margin | 3.4621% | 3,705 |
| Noninterest income to average assets | 4.1557% | 113 |
| Noninterest expense to average assets | 5.1084% | 207 |
| Loan and lease loss provision to assets | 0.6197% | 180 |
| Net operating income to assets | 1.2796% | 1,855 |
| Return on assets (ROA) | 1.2796% | 1,911 |
| Pretax return on assets | 1.6918% | 1,287 |
| Return on Equity (ROE) | 8.6499% | 3,003 |
| Retained earnings to average equity (ytd only) | 8.6499% | 1,145 |
| Net charge-offs to loans | 0.4092% | 409 |
| Credit loss provision to net charge-offs | 198.6755% | 1,222 |
| Earnings coverage of net charge-offs (x) | 7.4110% | 2,491 |
| Efficiency ratio | 68.6965% | 2,418 |
| Assets per employee ($millions) | 2.7337% | 5,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 1,944 |
| Loan loss allowance to noncurrent loans | 442.6273% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 3,600 |
| Noncurrent loans to loans | 0.2972% | 3,472 |
| Net loans and leases to total assets | 79.1182% | 1,022 |
| Net loans and leases to deposits | 98.1043% | 833 |
| Net loans and leases to core deposits | 108.8015% | 1,046 |
| Total domestic deposits to total assets | 80.6470% | 3,904 |
| Equity capital to assets | 14.8584% | 857 |
| Core capital (leverage) ratio | 14.7953% | 752 |
| Tier 1 risk-based capital ratio | 17.2552% | 2,009 |
| Total risk-based capital ratio | 18.5055% | 1,965 |
| Memoranda: | ||
| Average total assets | $1,549,246,330 | 541 |
| Average earning assets | $1,460,672,330 | 529 |
| Average equity | $229,181,670 | 426 |
| Average total loans | $1,180,767,000 | 502 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7432% | 2,066 |
| Cost of funding earning assets | 1.3478% | 561 |
| Net interest margin | 3.3955% | 3,900 |
| Noninterest income to average assets | 4.0723% | 111 |
| Noninterest expense to average assets | 5.0710% | 192 |
| Loan and lease loss provision to assets | 0.6281% | 161 |
| Net operating income to assets | 1.1845% | 2,114 |
| Return on assets (ROA) | 1.1845% | 2,161 |
| Pretax return on assets | 1.5750% | 1,533 |
| Return on Equity (ROE) | 8.0257% | 3,251 |
| Retained earnings to average equity (ytd only) | 8.0257% | 1,650 |
| Net charge-offs to loans | 0.4207% | 364 |
| Credit loss provision to net charge-offs | 201.3423% | 1,048 |
| Earnings coverage of net charge-offs (x) | 7.0621% | 2,156 |
| Efficiency ratio | 69.5546% | 2,412 |
| Assets per employee ($millions) | 2.7446% | 5,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 1,954 |
| Loan loss allowance to noncurrent loans | 396.1412% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2529% | 3,607 |
| Noncurrent loans to loans | 0.3359% | 3,373 |
| Net loans and leases to total assets | 72.5671% | 2,065 |
| Net loans and leases to deposits | 90.5684% | 1,559 |
| Net loans and leases to core deposits | 100.1153% | 1,612 |
| Total domestic deposits to total assets | 80.1240% | 4,157 |
| Equity capital to assets | 14.3470% | 925 |
| Core capital (leverage) ratio | 14.8271% | 735 |
| Tier 1 risk-based capital ratio | 18.4585% | 1,671 |
| Total risk-based capital ratio | 19.7091% | 1,620 |
| Memoranda: | ||
| Average total assets | $1,528,373,000 | 547 |
| Average earning assets | $1,441,208,500 | 533 |
| Average equity | $225,574,500 | 429 |
| Average total loans | $1,133,378,000 | 519 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,980 |
| Cost of funding earning assets | 0.8691% | 1,227 |
| Net interest margin | 3.7848% | 2,720 |
| Noninterest income to average assets | 4.6017% | 101 |
| Noninterest expense to average assets | 5.5920% | 148 |
| Loan and lease loss provision to assets | 0.6812% | 153 |
| Net operating income to assets | 1.3985% | 1,438 |
| Return on assets (ROA) | 1.3985% | 1,427 |
| Pretax return on assets | 1.8864% | 743 |
| Return on Equity (ROE) | 8.7561% | 3,119 |
| Retained earnings to average equity (ytd only) | 8.7561% | 952 |
| Net charge-offs to loans | 0.6594% | 255 |
| Credit loss provision to net charge-offs | 140.6057% | 1,925 |
| Earnings coverage of net charge-offs (x) | 5.2999% | 3,204 |
| Efficiency ratio | 68.3396% | 2,488 |
| Assets per employee ($millions) | 2.7851% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3159% | 1,966 |
| Loan loss allowance to noncurrent loans | 297.1311% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 3,198 |
| Noncurrent loans to loans | 0.4429% | 2,952 |
| Net loans and leases to total assets | 73.8368% | 1,966 |
| Net loans and leases to deposits | 93.8161% | 1,307 |
| Net loans and leases to core deposits | 103.3249% | 1,473 |
| Total domestic deposits to total assets | 78.7038% | 4,368 |
| Equity capital to assets | 15.2086% | 666 |
| Core capital (leverage) ratio | 16.1121% | 499 |
| Tier 1 risk-based capital ratio | 18.9631% | 1,523 |
| Total risk-based capital ratio | 20.2131% | 1,486 |
| Memoranda: | ||
| Average total assets | $1,335,950,600 | 591 |
| Average earning assets | $1,255,805,000 | 579 |
| Average equity | $213,371,200 | 431 |
| Average total loans | $981,490,600 | 567 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5883% | 2,011 |
| Cost of funding earning assets | 0.7939% | 1,372 |
| Net interest margin | 3.7944% | 2,669 |
| Noninterest income to average assets | 4.8402% | 97 |
| Noninterest expense to average assets | 5.5981% | 152 |
| Loan and lease loss provision to assets | 0.7257% | 134 |
| Net operating income to assets | 1.5469% | 1,071 |
| Return on assets (ROA) | 1.5469% | 1,074 |
| Pretax return on assets | 2.0794% | 511 |
| Return on Equity (ROE) | 9.5577% | 2,816 |
| Retained earnings to average equity (ytd only) | 9.5577% | 1,037 |
| Net charge-offs to loans | 0.6635% | 215 |
| Credit loss provision to net charge-offs | 149.6627% | 1,717 |
| Earnings coverage of net charge-offs (x) | 5.7848% | 2,937 |
| Efficiency ratio | 66.4145% | 2,794 |
| Assets per employee ($millions) | 2.3632% | 5,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 1,758 |
| Loan loss allowance to noncurrent loans | 142.6234% | 2,851 |
| Noncurrent assets plus other real estate owned to assets | 0.7474% | 1,983 |
| Noncurrent loans to loans | 0.9713% | 1,750 |
| Net loans and leases to total assets | 75.1676% | 1,787 |
| Net loans and leases to deposits | 99.2308% | 844 |
| Net loans and leases to core deposits | 107.4506% | 1,204 |
| Total domestic deposits to total assets | 75.7503% | 4,814 |
| Equity capital to assets | 16.2748% | 490 |
| Core capital (leverage) ratio | 16.7101% | 442 |
| Tier 1 risk-based capital ratio | 19.7217% | 1,396 |
| Total risk-based capital ratio | 20.9723% | 1,360 |
| Memoranda: | ||
| Average total assets | $1,304,398,500 | 601 |
| Average earning assets | $1,224,861,750 | 585 |
| Average equity | $211,120,500 | 432 |
| Average total loans | $953,361,500 | 580 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 2,217 |
| Cost of funding earning assets | 0.7451% | 1,394 |
| Net interest margin | 3.7162% | 2,872 |
| Noninterest income to average assets | 4.8758% | 100 |
| Noninterest expense to average assets | 5.5562% | 162 |
| Loan and lease loss provision to assets | 0.7113% | 140 |
| Net operating income to assets | 1.5591% | 1,013 |
| Return on assets (ROA) | 1.5591% | 1,019 |
| Pretax return on assets | 2.0960% | 495 |
| Return on Equity (ROE) | 9.6511% | 2,737 |
| Retained earnings to average equity (ytd only) | 9.6511% | 1,026 |
| Net charge-offs to loans | 0.6503% | 226 |
| Credit loss provision to net charge-offs | 151.9155% | 1,567 |
| Earnings coverage of net charge-offs (x) | 5.9954% | 2,669 |
| Efficiency ratio | 66.2044% | 2,935 |
| Assets per employee ($millions) | 2.3296% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3956% | 1,766 |
| Loan loss allowance to noncurrent loans | 142.1720% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 2,015 |
| Noncurrent loans to loans | 0.9816% | 1,783 |
| Net loans and leases to total assets | 72.5061% | 2,196 |
| Net loans and leases to deposits | 96.0174% | 1,135 |
| Net loans and leases to core deposits | 101.4453% | 1,610 |
| Total domestic deposits to total assets | 75.5135% | 4,904 |
| Equity capital to assets | 16.3957% | 453 |
| Core capital (leverage) ratio | 16.6031% | 434 |
| Tier 1 risk-based capital ratio | 20.5250% | 1,248 |
| Total risk-based capital ratio | 21.7758% | 1,220 |
| Memoranda: | ||
| Average total assets | $1,293,333,330 | 604 |
| Average earning assets | $1,213,828,670 | 590 |
| Average equity | $208,930,330 | 434 |
| Average total loans | $931,295,000 | 593 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 2,358 |
| Cost of funding earning assets | 0.7073% | 1,398 |
| Net interest margin | 3.6422% | 3,020 |
| Noninterest income to average assets | 4.8432% | 100 |
| Noninterest expense to average assets | 5.6320% | 159 |
| Loan and lease loss provision to assets | 0.7752% | 116 |
| Net operating income to assets | 1.3779% | 1,403 |
| Return on assets (ROA) | 1.3779% | 1,419 |
| Pretax return on assets | 1.8514% | 819 |
| Return on Equity (ROE) | 8.5944% | 3,108 |
| Retained earnings to average equity (ytd only) | 8.5944% | 1,618 |
| Net charge-offs to loans | 0.6424% | 235 |
| Credit loss provision to net charge-offs | 169.3767% | 1,156 |
| Earnings coverage of net charge-offs (x) | 5.7392% | 2,206 |
| Efficiency ratio | 67.9294% | 2,841 |
| Assets per employee ($millions) | 2.3579% | 5,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 1,994 |
| Loan loss allowance to noncurrent loans | 136.7397% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.7358% | 2,104 |
| Noncurrent loans to loans | 0.9927% | 1,840 |
| Net loans and leases to total assets | 71.1656% | 2,308 |
| Net loans and leases to deposits | 94.3440% | 1,197 |
| Net loans and leases to core deposits | 100.8987% | 1,623 |
| Total domestic deposits to total assets | 75.4320% | 5,025 |
| Equity capital to assets | 15.9327% | 497 |
| Core capital (leverage) ratio | 16.3124% | 452 |
| Tier 1 risk-based capital ratio | 20.2071% | 1,309 |
| Total risk-based capital ratio | 21.4575% | 1,281 |
| Memoranda: | ||
| Average total assets | $1,290,050,000 | 613 |
| Average earning assets | $1,209,725,000 | 597 |
| Average equity | $206,831,500 | 441 |
| Average total loans | $919,019,000 | 601 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,400 |
| Cost of funding earning assets | 0.6448% | 1,328 |
| Net interest margin | 3.6337% | 3,051 |
| Noninterest income to average assets | 5.3612% | 102 |
| Noninterest expense to average assets | 6.0209% | 147 |
| Loan and lease loss provision to assets | 0.7754% | 151 |
| Net operating income to assets | 0.9649% | 2,384 |
| Return on assets (ROA) | 0.9726% | 2,400 |
| Pretax return on assets | 1.9464% | 548 |
| Return on Equity (ROE) | 5.9436% | 3,788 |
| Retained earnings to average equity (ytd only) | 5.9436% | 1,578 |
| Net charge-offs to loans | 0.9465% | 199 |
| Credit loss provision to net charge-offs | 119.0171% | 2,203 |
| Earnings coverage of net charge-offs (x) | 4.1595% | 3,509 |
| Efficiency ratio | 68.7465% | 2,753 |
| Assets per employee ($millions) | 2.1445% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 2,157 |
| Loan loss allowance to noncurrent loans | 123.5875% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.7746% | 2,013 |
| Noncurrent loans to loans | 1.0632% | 1,674 |
| Net loans and leases to total assets | 69.3863% | 2,618 |
| Net loans and leases to deposits | 92.4712% | 1,457 |
| Net loans and leases to core deposits | 100.1105% | 1,703 |
| Total domestic deposits to total assets | 75.0355% | 5,088 |
| Equity capital to assets | 16.1355% | 498 |
| Core capital (leverage) ratio | 16.1120% | 462 |
| Tier 1 risk-based capital ratio | 20.4332% | 1,241 |
| Total risk-based capital ratio | 21.6460% | 1,220 |
| Memoranda: | ||
| Average total assets | $1,199,428,200 | 629 |
| Average earning assets | $1,112,214,400 | 617 |
| Average equity | $196,278,600 | 445 |
| Average total loans | $825,533,000 | 637 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2316% | 2,514 |
| Cost of funding earning assets | 0.6240% | 1,387 |
| Net interest margin | 3.6076% | 3,122 |
| Noninterest income to average assets | 5.6193% | 101 |
| Noninterest expense to average assets | 6.1848% | 141 |
| Loan and lease loss provision to assets | 0.8130% | 132 |
| Net operating income to assets | 1.1937% | 1,723 |
| Return on assets (ROA) | 1.2041% | 1,709 |
| Pretax return on assets | 1.9746% | 575 |
| Return on Equity (ROE) | 7.3304% | 3,483 |
| Retained earnings to average equity (ytd only) | 7.3304% | 1,526 |
| Net charge-offs to loans | 0.9513% | 187 |
| Credit loss provision to net charge-offs | 124.8916% | 1,945 |
| Earnings coverage of net charge-offs (x) | 4.2574% | 3,250 |
| Efficiency ratio | 68.8612% | 2,734 |
| Assets per employee ($millions) | 2.1595% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 2,188 |
| Loan loss allowance to noncurrent loans | 93.6311% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 1.0636% | 1,577 |
| Noncurrent loans to loans | 1.4247% | 1,311 |
| Net loans and leases to total assets | 68.0215% | 2,841 |
| Net loans and leases to deposits | 90.7222% | 1,724 |
| Net loans and leases to core deposits | 98.8740% | 1,811 |
| Total domestic deposits to total assets | 74.9778% | 5,128 |
| Equity capital to assets | 16.1410% | 514 |
| Core capital (leverage) ratio | 16.1262% | 478 |
| Tier 1 risk-based capital ratio | 21.1141% | 1,177 |
| Total risk-based capital ratio | 22.3644% | 1,155 |
| Memoranda: | ||
| Average total assets | $1,180,826,750 | 637 |
| Average earning assets | $1,092,198,750 | 627 |
| Average equity | $193,963,500 | 450 |
| Average total loans | $808,007,750 | 653 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,527 |
| Cost of funding earning assets | 0.5984% | 1,462 |
| Net interest margin | 3.5873% | 3,085 |
| Noninterest income to average assets | 5.8138% | 99 |
| Noninterest expense to average assets | 6.4110% | 142 |
| Loan and lease loss provision to assets | 0.8350% | 121 |
| Net operating income to assets | 1.1423% | 1,817 |
| Return on assets (ROA) | 1.1423% | 1,868 |
| Pretax return on assets | 1.8696% | 714 |
| Return on Equity (ROE) | 6.9102% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.9102% | 1,636 |
| Net charge-offs to loans | 0.9029% | 216 |
| Credit loss provision to net charge-offs | 135.5167% | 1,630 |
| Earnings coverage of net charge-offs (x) | 4.3896% | 2,936 |
| Efficiency ratio | 70.1696% | 2,646 |
| Assets per employee ($millions) | 1.9997% | 5,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3111% | 2,352 |
| Loan loss allowance to noncurrent loans | 90.3751% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.1273% | 1,536 |
| Noncurrent loans to loans | 1.4508% | 1,308 |
| Net loans and leases to total assets | 69.9459% | 2,535 |
| Net loans and leases to deposits | 95.4810% | 1,120 |
| Net loans and leases to core deposits | 104.4610% | 1,325 |
| Total domestic deposits to total assets | 73.2563% | 5,365 |
| Equity capital to assets | 16.2688% | 501 |
| Core capital (leverage) ratio | 16.4213% | 428 |
| Tier 1 risk-based capital ratio | 20.4405% | 1,281 |
| Total risk-based capital ratio | 21.6708% | 1,258 |
| Memoranda: | ||
| Average total assets | $1,149,741,000 | 651 |
| Average earning assets | $1,058,222,670 | 642 |
| Average equity | $190,068,000 | 454 |
| Average total loans | $784,554,330 | 670 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0676% | 2,777 |
| Cost of funding earning assets | 0.5754% | 1,538 |
| Net interest margin | 3.4922% | 3,299 |
| Noninterest income to average assets | 5.8556% | 99 |
| Noninterest expense to average assets | 6.6656% | 136 |
| Loan and lease loss provision to assets | 0.8698% | 106 |
| Net operating income to assets | 0.9325% | 2,596 |
| Return on assets (ROA) | 0.9325% | 2,652 |
| Pretax return on assets | 1.5294% | 1,443 |
| Return on Equity (ROE) | 5.5908% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.5908% | 2,544 |
| Net charge-offs to loans | 0.7449% | 230 |
| Credit loss provision to net charge-offs | 174.9271% | 1,106 |
| Earnings coverage of net charge-offs (x) | 4.8251% | 2,347 |
| Efficiency ratio | 73.4248% | 2,336 |
| Assets per employee ($millions) | 1.7688% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 1,841 |
| Loan loss allowance to noncurrent loans | 170.7943% | 2,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 2,720 |
| Noncurrent loans to loans | 0.8531% | 2,324 |
| Net loans and leases to total assets | 66.4280% | 2,909 |
| Net loans and leases to deposits | 89.3872% | 1,616 |
| Net loans and leases to core deposits | 97.3242% | 1,720 |
| Total domestic deposits to total assets | 74.3149% | 5,391 |
| Equity capital to assets | 16.1379% | 472 |
| Core capital (leverage) ratio | 16.7367% | 385 |
| Tier 1 risk-based capital ratio | 21.3644% | 1,163 |
| Total risk-based capital ratio | 22.6173% | 1,143 |
| Memoranda: | ||
| Average total assets | $1,103,695,500 | 679 |
| Average earning assets | $1,014,262,000 | 679 |
| Average equity | $184,086,500 | 464 |
| Average total loans | $736,756,500 | 713 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 4,002 |
| Cost of funding earning assets | 0.5542% | 1,651 |
| Net interest margin | 3.2132% | 4,405 |
| Noninterest income to average assets | 5.8887% | 102 |
| Noninterest expense to average assets | 7.2332% | 125 |
| Loan and lease loss provision to assets | 0.5493% | 243 |
| Net operating income to assets | 0.6453% | 4,016 |
| Return on assets (ROA) | 0.6466% | 4,124 |
| Pretax return on assets | 1.0558% | 3,276 |
| Return on Equity (ROE) | 3.6614% | 4,952 |
| Retained earnings to average equity (ytd only) | 3.6614% | 3,309 |
| Net charge-offs to loans | 1.0734% | 173 |
| Credit loss provision to net charge-offs | 81.5413% | 2,951 |
| Earnings coverage of net charge-offs (x) | 2.3797% | 3,841 |
| Efficiency ratio | 81.7390% | 1,234 |
| Assets per employee ($millions) | 1.5926% | 5,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4746% | 1,781 |
| Loan loss allowance to noncurrent loans | 134.3701% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8318% | 2,265 |
| Noncurrent loans to loans | 1.0974% | 1,898 |
| Net loans and leases to total assets | 65.0638% | 3,210 |
| Net loans and leases to deposits | 89.6770% | 1,723 |
| Net loans and leases to core deposits | 96.8026% | 1,850 |
| Total domestic deposits to total assets | 72.5534% | 5,524 |
| Equity capital to assets | 17.2693% | 358 |
| Core capital (leverage) ratio | 17.4364% | 320 |
| Tier 1 risk-based capital ratio | 22.9191% | 970 |
| Total risk-based capital ratio | 24.1746% | 959 |
| Memoranda: | ||
| Average total assets | $1,028,647,400 | 701 |
| Average earning assets | $943,586,000 | 699 |
| Average equity | $181,650,600 | 459 |
| Average total loans | $645,511,400 | 773 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7571% | 4,057 |
| Cost of funding earning assets | 0.5523% | 1,668 |
| Net interest margin | 3.2048% | 4,477 |
| Noninterest income to average assets | 6.0389% | 101 |
| Noninterest expense to average assets | 7.4185% | 121 |
| Loan and lease loss provision to assets | 0.5415% | 219 |
| Net operating income to assets | 0.6208% | 4,208 |
| Return on assets (ROA) | 0.6225% | 4,321 |
| Pretax return on assets | 1.0236% | 3,536 |
| Return on Equity (ROE) | 3.5052% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.5052% | 3,795 |
| Net charge-offs to loans | 1.0178% | 166 |
| Credit loss provision to net charge-offs | 85.9391% | 2,587 |
| Earnings coverage of net charge-offs (x) | 2.4796% | 3,564 |
| Efficiency ratio | 82.4841% | 1,134 |
| Assets per employee ($millions) | 1.4738% | 5,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7211% | 1,167 |
| Loan loss allowance to noncurrent loans | 141.2696% | 2,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8404% | 2,446 |
| Noncurrent loans to loans | 1.2183% | 1,840 |
| Net loans and leases to total assets | 59.4667% | 3,942 |
| Net loans and leases to deposits | 83.4902% | 2,545 |
| Net loans and leases to core deposits | 90.3303% | 2,547 |
| Total domestic deposits to total assets | 71.2259% | 5,631 |
| Equity capital to assets | 17.6696% | 374 |
| Core capital (leverage) ratio | 16.8431% | 379 |
| Tier 1 risk-based capital ratio | 25.0705% | 810 |
| Total risk-based capital ratio | 26.3331% | 791 |
| Memoranda: | ||
| Average total assets | $1,021,832,000 | 707 |
| Average earning assets | $938,031,750 | 704 |
| Average equity | $181,476,250 | 463 |
| Average total loans | $632,565,250 | 785 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7357% | 4,167 |
| Cost of funding earning assets | 0.5380% | 1,792 |
| Net interest margin | 3.1977% | 4,547 |
| Noninterest income to average assets | 6.0692% | 104 |
| Noninterest expense to average assets | 7.3686% | 126 |
| Loan and lease loss provision to assets | 0.4141% | 361 |
| Net operating income to assets | 0.7391% | 3,611 |
| Return on assets (ROA) | 0.7417% | 3,749 |
| Pretax return on assets | 1.2186% | 2,707 |
| Return on Equity (ROE) | 4.1691% | 4,850 |
| Retained earnings to average equity (ytd only) | 4.1691% | 3,253 |
| Net charge-offs to loans | 0.8956% | 215 |
| Credit loss provision to net charge-offs | 74.1264% | 2,436 |
| Earnings coverage of net charge-offs (x) | 2.9149% | 3,197 |
| Efficiency ratio | 81.7785% | 1,295 |
| Assets per employee ($millions) | 1.4141% | 5,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6425% | 1,425 |
| Loan loss allowance to noncurrent loans | 131.4876% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 0.8954% | 2,368 |
| Noncurrent loans to loans | 1.2491% | 1,839 |
| Net loans and leases to total assets | 62.6422% | 3,550 |
| Net loans and leases to deposits | 87.8850% | 2,011 |
| Net loans and leases to core deposits | 96.4594% | 1,936 |
| Total domestic deposits to total assets | 71.2774% | 5,713 |
| Equity capital to assets | 17.6661% | 366 |
| Core capital (leverage) ratio | 16.8625% | 378 |
| Tier 1 risk-based capital ratio | 24.1324% | 890 |
| Total risk-based capital ratio | 25.3955% | 876 |
| Memoranda: | ||
| Average total assets | $1,014,140,000 | 711 |
| Average earning assets | $928,611,330 | 712 |
| Average equity | $180,424,670 | 465 |
| Average total loans | $632,669,000 | 785 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7182% | 4,254 |
| Cost of funding earning assets | 0.5170% | 1,972 |
| Net interest margin | 3.2011% | 4,576 |
| Noninterest income to average assets | 5.9850% | 96 |
| Noninterest expense to average assets | 7.2663% | 132 |
| Loan and lease loss provision to assets | 0.4384% | 294 |
| Net operating income to assets | 0.7351% | 3,561 |
| Return on assets (ROA) | 0.7405% | 3,639 |
| Pretax return on assets | 1.2176% | 2,629 |
| Return on Equity (ROE) | 4.1472% | 4,837 |
| Retained earnings to average equity (ytd only) | 4.1472% | 3,412 |
| Net charge-offs to loans | 0.7123% | 296 |
| Credit loss provision to net charge-offs | 99.7280% | 1,678 |
| Earnings coverage of net charge-offs (x) | 3.7480% | 2,504 |
| Efficiency ratio | 81.3959% | 1,440 |
| Assets per employee ($millions) | 1.4512% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8247% | 1,107 |
| Loan loss allowance to noncurrent loans | 305.9291% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.5116% | 3,555 |
| Noncurrent loans to loans | 0.5965% | 3,393 |
| Net loans and leases to total assets | 60.0972% | 3,757 |
| Net loans and leases to deposits | 83.8312% | 2,317 |
| Net loans and leases to core deposits | 91.2043% | 2,256 |
| Total domestic deposits to total assets | 71.6884% | 5,797 |
| Equity capital to assets | 17.4564% | 380 |
| Core capital (leverage) ratio | 17.1731% | 355 |
| Tier 1 risk-based capital ratio | 24.9854% | 813 |
| Total risk-based capital ratio | 26.2519% | 796 |
| Memoranda: | ||
| Average total assets | $1,003,650,500 | 720 |
| Average earning assets | $918,298,500 | 720 |
| Average equity | $179,204,500 | 465 |
| Average total loans | $619,379,000 | 801 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4968% | 4,928 |
| Cost of funding earning assets | 0.3424% | 3,770 |
| Net interest margin | 3.1544% | 4,767 |
| Noninterest income to average assets | 6.7254% | 92 |
| Noninterest expense to average assets | 7.5882% | 119 |
| Loan and lease loss provision to assets | 0.2614% | 715 |
| Net operating income to assets | 0.9423% | 2,652 |
| Return on assets (ROA) | 0.9423% | 2,723 |
| Pretax return on assets | 1.6759% | 1,053 |
| Return on Equity (ROE) | 4.7019% | 4,653 |
| Retained earnings to average equity (ytd only) | -12.0407% | 6,061 |
| Net charge-offs to loans | 0.9022% | 230 |
| Credit loss provision to net charge-offs | 49.7076% | 3,410 |
| Earnings coverage of net charge-offs (x) | 3.6834% | 3,680 |
| Efficiency ratio | 79.5019% | 1,743 |
| Assets per employee ($millions) | 1.3974% | 6,113 |
| Cash dividends to net income (ytd only)* | 356.0831% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 937 |
| Loan loss allowance to noncurrent loans | 325.8455% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5565% | 3,430 |
| Noncurrent loans to loans | 0.5861% | 3,417 |
| Net loans and leases to total assets | 61.0542% | 3,683 |
| Net loans and leases to deposits | 87.0084% | 2,003 |
| Net loans and leases to core deposits | 94.2843% | 2,027 |
| Total domestic deposits to total assets | 70.1705% | 5,888 |
| Equity capital to assets | 18.2797% | 295 |
| Core capital (leverage) ratio | 18.7182% | 251 |
| Tier 1 risk-based capital ratio | 25.1681% | 803 |
| Total risk-based capital ratio | 26.4368% | 786 |
| Memoranda: | ||
| Average total assets | $715,268,600 | 969 |
| Average earning assets | $634,917,800 | 999 |
| Average equity | $143,347,200 | 526 |
| Average total loans | $416,967,200 | 1,095 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2650% | 5,476 |
| Cost of funding earning assets | 0.2836% | 4,525 |
| Net interest margin | 2.9814% | 5,240 |
| Noninterest income to average assets | 6.9876% | 95 |
| Noninterest expense to average assets | 7.4663% | 134 |
| Loan and lease loss provision to assets | 0.2601% | 641 |
| Net operating income to assets | 1.1450% | 1,848 |
| Return on assets (ROA) | 1.1450% | 1,914 |
| Pretax return on assets | 1.8774% | 758 |
| Return on Equity (ROE) | 5.5316% | 4,386 |
| Retained earnings to average equity (ytd only) | -18.2175% | 6,190 |
| Net charge-offs to loans | 0.7152% | 297 |
| Credit loss provision to net charge-offs | 64.0121% | 2,855 |
| Earnings coverage of net charge-offs (x) | 5.2601% | 3,228 |
| Efficiency ratio | 77.5678% | 2,009 |
| Assets per employee ($millions) | 1.2260% | 6,211 |
| Cash dividends to net income (ytd only)* | 429.3379% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2039% | 658 |
| Loan loss allowance to noncurrent loans | 590.8627% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 3,169 |
| Noncurrent loans to loans | 0.3730% | 4,279 |
| Net loans and leases to total assets | 63.6815% | 3,356 |
| Net loans and leases to deposits | 94.6349% | 1,123 |
| Net loans and leases to core deposits | 99.4343% | 1,563 |
| Total domestic deposits to total assets | 67.2918% | 6,058 |
| Equity capital to assets | 20.0111% | 234 |
| Core capital (leverage) ratio | 19.0188% | 243 |
| Tier 1 risk-based capital ratio | 25.8435% | 782 |
| Total risk-based capital ratio | 27.1171% | 763 |
| Memoranda: | ||
| Average total assets | $650,944,250 | 1,059 |
| Average earning assets | $571,219,750 | 1,102 |
| Average equity | $134,738,500 | 562 |
| Average total loans | $369,870,750 | 1,237 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4652% | 6,174 |
| Cost of funding earning assets | 0.1747% | 5,656 |
| Net interest margin | 2.2905% | 6,101 |
| Noninterest income to average assets | 6.4355% | 107 |
| Noninterest expense to average assets | 6.6936% | 162 |
| Loan and lease loss provision to assets | 0.1643% | 1,280 |
| Net operating income to assets | 0.9503% | 2,631 |
| Return on assets (ROA) | 0.9503% | 2,749 |
| Pretax return on assets | 1.5583% | 1,460 |
| Return on Equity (ROE) | 4.5134% | 4,813 |
| Retained earnings to average equity (ytd only) | -35.3399% | 6,309 |
| Net charge-offs to loans | 0.7601% | 293 |
| Credit loss provision to net charge-offs | 41.1559% | 2,795 |
| Earnings coverage of net charge-offs (x) | 4.3144% | 3,058 |
| Efficiency ratio | 79.3038% | 1,866 |
| Assets per employee ($millions) | 1.7024% | 6,254 |
| Cash dividends to net income (ytd only)* | 883.0022% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 628 |
| Loan loss allowance to noncurrent loans | 539.5103% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.7661% | 3,092 |
| Noncurrent loans to loans | 0.4276% | 4,194 |
| Net loans and leases to total assets | 61.9665% | 3,553 |
| Net loans and leases to deposits | 90.0626% | 1,590 |
| Net loans and leases to core deposits | 91.2917% | 2,212 |
| Total domestic deposits to total assets | 68.8038% | 6,085 |
| Equity capital to assets | 19.9193% | 229 |
| Core capital (leverage) ratio | 34.9107% | 55 |
| Tier 1 risk-based capital ratio | 26.1700% | 765 |
| Total risk-based capital ratio | 27.4454% | 747 |
| Memoranda: | ||
| Average total assets | $572,041,330 | 1,198 |
| Average earning assets | $494,651,670 | 1,279 |
| Average equity | $120,441,670 | 645 |
| Average total loans | $300,491,000 | 1,474 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7878% | 6,077 |
| Cost of funding earning assets | 0.1756% | 5,715 |
| Net interest margin | 2.6121% | 5,909 |
| Noninterest income to average assets | 8.8615% | 83 |
| Noninterest expense to average assets | 8.4932% | 107 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5957% | 710 |
| Return on assets (ROA) | 1.5957% | 746 |
| Pretax return on assets | 2.6200% | 205 |
| Return on Equity (ROE) | 8.5694% | 2,660 |
| Retained earnings to average equity (ytd only) | -154.0129% | 6,411 |
| Net charge-offs to loans | 0.4209% | 582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.1606% | 1,635 |
| Efficiency ratio | 76.1180% | 2,499 |
| Assets per employee ($millions) | 1.0551% | 6,364 |
| Cash dividends to net income (ytd only)* | 1,897.2332% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1400% | 869 |
| Loan loss allowance to noncurrent loans | 143.2814% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 2.2563% | 1,006 |
| Noncurrent loans to loans | 1.4936% | 1,893 |
| Net loans and leases to total assets | 43.5337% | 5,386 |
| Net loans and leases to deposits | 52.8976% | 5,275 |
| Net loans and leases to core deposits | 53.1674% | 5,414 |
| Total domestic deposits to total assets | 82.2980% | 4,415 |
| Equity capital to assets | 15.4917% | 626 |
| Core capital (leverage) ratio | 14.9823% | 614 |
| Tier 1 risk-based capital ratio | 27.8454% | 660 |
| Total risk-based capital ratio | 29.1100% | 645 |
| Memoranda: | ||
| Average total assets | $317,102,000 | 2,102 |
| Average earning assets | $273,338,500 | 2,224 |
| Average equity | $59,047,000 | 1,299 |
| Average total loans | $130,198,500 | 2,912 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6883% | 6,265 |
| Cost of funding earning assets | 0.1815% | 5,899 |
| Net interest margin | 2.5069% | 6,149 |
| Noninterest income to average assets | 10.1786% | 66 |
| Noninterest expense to average assets | 8.8773% | 88 |
| Loan and lease loss provision to assets | 0.4328% | 391 |
| Net operating income to assets | 1.8412% | 437 |
| Return on assets (ROA) | 1.8412% | 453 |
| Pretax return on assets | 3.0255% | 112 |
| Return on Equity (ROE) | 8.4743% | 2,858 |
| Retained earnings to average equity (ytd only) | 8.4743% | 837 |
| Net charge-offs to loans | 1.7707% | 123 |
| Credit loss provision to net charge-offs | 67.4663% | 3,125 |
| Earnings coverage of net charge-offs (x) | 5.3908% | 3,429 |
| Efficiency ratio | 71.6818% | 3,258 |
| Assets per employee ($millions) | 1.0749% | 6,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5066% | 547 |
| Loan loss allowance to noncurrent loans | 145.7643% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 2.3177% | 1,026 |
| Noncurrent loans to loans | 1.7196% | 1,689 |
| Net loans and leases to total assets | 36.9017% | 5,904 |
| Net loans and leases to deposits | 48.2947% | 5,669 |
| Net loans and leases to core deposits | 48.6422% | 5,779 |
| Total domestic deposits to total assets | 76.4095% | 5,676 |
| Equity capital to assets | 21.8353% | 158 |
| Core capital (leverage) ratio | 22.3148% | 135 |
| Tier 1 risk-based capital ratio | 46.5349% | 158 |
| Total risk-based capital ratio | 47.7997% | 156 |
| Memoranda: | ||
| Average total assets | $311,918,200 | 2,081 |
| Average earning assets | $268,383,200 | 2,209 |
| Average equity | $67,770,000 | 1,088 |
| Average total loans | $113,005,000 | 3,158 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6269% | 6,368 |
| Cost of funding earning assets | 0.1812% | 5,988 |
| Net interest margin | 2.4457% | 6,269 |
| Noninterest income to average assets | 10.6197% | 64 |
| Noninterest expense to average assets | 8.7778% | 89 |
| Loan and lease loss provision to assets | 0.3023% | 648 |
| Net operating income to assets | 2.2227% | 228 |
| Return on assets (ROA) | 2.2227% | 235 |
| Pretax return on assets | 3.6440% | 79 |
| Return on Equity (ROE) | 10.2438% | 2,093 |
| Retained earnings to average equity (ytd only) | 10.2438% | 648 |
| Net charge-offs to loans | 1.6030% | 143 |
| Credit loss provision to net charge-offs | 52.6712% | 3,063 |
| Earnings coverage of net charge-offs (x) | 6.8758% | 3,008 |
| Efficiency ratio | 68.7076% | 3,722 |
| Assets per employee ($millions) | 1.0762% | 6,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5984% | 573 |
| Loan loss allowance to noncurrent loans | 120.9357% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 2.7674% | 895 |
| Noncurrent loans to loans | 2.1486% | 1,433 |
| Net loans and leases to total assets | 37.1288% | 5,984 |
| Net loans and leases to deposits | 48.8816% | 5,708 |
| Net loans and leases to core deposits | 49.1859% | 5,830 |
| Total domestic deposits to total assets | 75.9566% | 5,818 |
| Equity capital to assets | 22.2853% | 151 |
| Core capital (leverage) ratio | 22.2512% | 137 |
| Tier 1 risk-based capital ratio | 46.8769% | 156 |
| Total risk-based capital ratio | 48.1382% | 156 |
| Memoranda: | ||
| Average total assets | $308,740,250 | 2,117 |
| Average earning assets | $265,652,000 | 2,242 |
| Average equity | $66,991,500 | 1,104 |
| Average total loans | $110,537,750 | 3,226 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5809% | 6,450 |
| Cost of funding earning assets | 0.1799% | 6,071 |
| Net interest margin | 2.4011% | 6,361 |
| Noninterest income to average assets | 10.7505% | 61 |
| Noninterest expense to average assets | 8.7652% | 90 |
| Loan and lease loss provision to assets | 0.2604% | 816 |
| Net operating income to assets | 2.3088% | 192 |
| Return on assets (ROA) | 2.3088% | 198 |
| Pretax return on assets | 3.7844% | 77 |
| Return on Equity (ROE) | 10.7391% | 1,829 |
| Retained earnings to average equity (ytd only) | 10.7391% | 577 |
| Net charge-offs to loans | 1.4816% | 188 |
| Credit loss provision to net charge-offs | 50.1882% | 2,791 |
| Earnings coverage of net charge-offs (x) | 7.7967% | 2,577 |
| Efficiency ratio | 68.1453% | 3,979 |
| Assets per employee ($millions) | 1.0666% | 6,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6857% | 546 |
| Loan loss allowance to noncurrent loans | 106.5176% | 3,495 |
| Noncurrent assets plus other real estate owned to assets | 2.8934% | 892 |
| Noncurrent loans to loans | 2.5214% | 1,230 |
| Net loans and leases to total assets | 39.0541% | 5,893 |
| Net loans and leases to deposits | 51.2435% | 5,545 |
| Net loans and leases to core deposits | 51.5648% | 5,691 |
| Total domestic deposits to total assets | 76.2127% | 5,892 |
| Equity capital to assets | 22.0984% | 144 |
| Core capital (leverage) ratio | 21.7644% | 137 |
| Tier 1 risk-based capital ratio | 43.6608% | 188 |
| Total risk-based capital ratio | 44.9242% | 186 |
| Memoranda: | ||
| Average total assets | $307,260,330 | 2,127 |
| Average earning assets | $263,548,000 | 2,255 |
| Average equity | $66,057,670 | 1,108 |
| Average total loans | $107,589,670 | 3,293 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4900% | 6,552 |
| Cost of funding earning assets | 0.1783% | 6,181 |
| Net interest margin | 2.3117% | 6,467 |
| Noninterest income to average assets | 10.3557% | 60 |
| Noninterest expense to average assets | 8.5649% | 97 |
| Loan and lease loss provision to assets | 0.1306% | 1,861 |
| Net operating income to assets | 2.2114% | 234 |
| Return on assets (ROA) | 2.2114% | 245 |
| Pretax return on assets | 3.6248% | 99 |
| Return on Equity (ROE) | 10.4331% | 1,895 |
| Retained earnings to average equity (ytd only) | 10.4331% | 864 |
| Net charge-offs to loans | 1.1438% | 294 |
| Credit loss provision to net charge-offs | 35.2113% | 2,352 |
| Earnings coverage of net charge-offs (x) | 10.1232% | 1,889 |
| Efficiency ratio | 69.2324% | 3,959 |
| Assets per employee ($millions) | 1.0328% | 6,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4510% | 278 |
| Loan loss allowance to noncurrent loans | 184.6434% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 3.3607% | 783 |
| Noncurrent loans to loans | 1.8690% | 2,038 |
| Net loans and leases to total assets | 31.7110% | 6,278 |
| Net loans and leases to deposits | 40.9966% | 6,132 |
| Net loans and leases to core deposits | 41.2385% | 6,190 |
| Total domestic deposits to total assets | 77.3502% | 5,923 |
| Equity capital to assets | 21.0961% | 171 |
| Core capital (leverage) ratio | 21.3809% | 150 |
| Tier 1 risk-based capital ratio | 47.7980% | 151 |
| Total risk-based capital ratio | 49.0645% | 152 |
| Memoranda: | ||
| Average total assets | $306,228,000 | 2,140 |
| Average earning assets | $260,237,500 | 2,287 |
| Average equity | $64,908,500 | 1,125 |
| Average total loans | $99,315,500 | 3,484 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2859% | 6,674 |
| Cost of funding earning assets | 0.2185% | 6,190 |
| Net interest margin | 2.0673% | 6,632 |
| Noninterest income to average assets | 10.6514% | 60 |
| Noninterest expense to average assets | 9.0550% | 93 |
| Loan and lease loss provision to assets | 0.8723% | 230 |
| Net operating income to assets | 1.7977% | 484 |
| Return on assets (ROA) | 1.7977% | 498 |
| Pretax return on assets | 2.4412% | 218 |
| Return on Equity (ROE) | 8.6933% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.6933% | 847 |
| Net charge-offs to loans | 7.2717% | 12 |
| Credit loss provision to net charge-offs | 40.7396% | 4,031 |
| Earnings coverage of net charge-offs (x) | 1.5475% | 4,540 |
| Efficiency ratio | 72.9140% | 3,304 |
| Assets per employee ($millions) | 0.9885% | 6,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8926% | 215 |
| Loan loss allowance to noncurrent loans | 90.8670% | 3,855 |
| Noncurrent assets plus other real estate owned to assets | 3.4906% | 836 |
| Noncurrent loans to loans | 4.2839% | 645 |
| Net loans and leases to total assets | 30.7552% | 6,432 |
| Net loans and leases to deposits | 39.9538% | 6,301 |
| Net loans and leases to core deposits | 40.0208% | 6,365 |
| Total domestic deposits to total assets | 76.9769% | 5,971 |
| Equity capital to assets | 21.3006% | 161 |
| Core capital (leverage) ratio | 21.6662% | 143 |
| Tier 1 risk-based capital ratio | 48.7757% | 142 |
| Total risk-based capital ratio | 50.0456% | 141 |
| Memoranda: | ||
| Average total assets | $298,046,200 | 2,156 |
| Average earning assets | $247,564,600 | 2,351 |
| Average equity | $61,633,400 | 1,170 |
| Average total loans | $87,765,000 | 3,744 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1240% | 6,781 |
| Cost of funding earning assets | 0.2307% | 6,223 |
| Net interest margin | 1.8933% | 6,750 |
| Noninterest income to average assets | 10.7218% | 66 |
| Noninterest expense to average assets | 9.0655% | 94 |
| Loan and lease loss provision to assets | 0.9406% | 183 |
| Net operating income to assets | 1.3903% | 1,127 |
| Return on assets (ROA) | 1.3903% | 1,173 |
| Pretax return on assets | 2.2816% | 332 |
| Return on Equity (ROE) | 6.7743% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.7743% | 1,984 |
| Net charge-offs to loans | 7.1762% | 11 |
| Credit loss provision to net charge-offs | 45.5038% | 3,605 |
| Earnings coverage of net charge-offs (x) | 1.5588% | 4,319 |
| Efficiency ratio | 73.4782% | 3,147 |
| Assets per employee ($millions) | 0.9940% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6904% | 69 |
| Loan loss allowance to noncurrent loans | 39.0164% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 7.9270% | 225 |
| Noncurrent loans to loans | 14.5847% | 45 |
| Net loans and leases to total assets | 28.3456% | 6,583 |
| Net loans and leases to deposits | 36.8953% | 6,476 |
| Net loans and leases to core deposits | 37.0310% | 6,532 |
| Total domestic deposits to total assets | 76.8271% | 6,073 |
| Equity capital to assets | 21.1047% | 170 |
| Core capital (leverage) ratio | 21.0640% | 159 |
| Tier 1 risk-based capital ratio | 47.7036% | 152 |
| Total risk-based capital ratio | 48.9863% | 149 |
| Memoranda: | ||
| Average total assets | $297,678,500 | 2,170 |
| Average earning assets | $246,192,500 | 2,379 |
| Average equity | $61,092,000 | 1,186 |
| Average total loans | $85,744,250 | 3,816 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0291% | 6,841 |
| Cost of funding earning assets | 0.2400% | 6,241 |
| Net interest margin | 1.7891% | 6,817 |
| Noninterest income to average assets | 10.6025% | 67 |
| Noninterest expense to average assets | 9.0359% | 97 |
| Loan and lease loss provision to assets | 0.8681% | 233 |
| Net operating income to assets | 1.3236% | 1,260 |
| Return on assets (ROA) | 1.3236% | 1,344 |
| Pretax return on assets | 2.1723% | 442 |
| Return on Equity (ROE) | 6.5092% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.5092% | 2,138 |
| Net charge-offs to loans | 7.1183% | 15 |
| Credit loss provision to net charge-offs | 42.9468% | 3,361 |
| Earnings coverage of net charge-offs (x) | 1.5041% | 4,031 |
| Efficiency ratio | 74.5189% | 3,025 |
| Assets per employee ($millions) | 0.9813% | 6,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5666% | 36 |
| Loan loss allowance to noncurrent loans | 35.9401% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 8.7613% | 199 |
| Noncurrent loans to loans | 18.2709% | 28 |
| Net loans and leases to total assets | 27.6876% | 6,637 |
| Net loans and leases to deposits | 35.8158% | 6,563 |
| Net loans and leases to core deposits | 35.9441% | 6,607 |
| Total domestic deposits to total assets | 77.3053% | 6,087 |
| Equity capital to assets | 20.3849% | 188 |
| Core capital (leverage) ratio | 20.5734% | 166 |
| Tier 1 risk-based capital ratio | 46.8842% | 151 |
| Total risk-based capital ratio | 48.1765% | 149 |
| Memoranda: | ||
| Average total assets | $299,495,000 | 2,168 |
| Average earning assets | $246,712,000 | 2,382 |
| Average equity | $60,898,000 | 1,196 |
| Average total loans | $85,048,330 | 3,849 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9593% | 6,931 |
| Cost of funding earning assets | 0.2539% | 6,267 |
| Net interest margin | 1.7055% | 6,910 |
| Noninterest income to average assets | 10.4667% | 67 |
| Noninterest expense to average assets | 8.8724% | 101 |
| Loan and lease loss provision to assets | 1.1312% | 146 |
| Net operating income to assets | 1.1312% | 1,741 |
| Return on assets (ROA) | 1.1312% | 1,861 |
| Pretax return on assets | 1.8578% | 791 |
| Return on Equity (ROE) | 5.5701% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.5701% | 2,917 |
| Net charge-offs to loans | 11.6193% | 8 |
| Credit loss provision to net charge-offs | 35.0371% | 2,816 |
| Earnings coverage of net charge-offs (x) | 0.9258% | 3,525 |
| Efficiency ratio | 74.4979% | 3,174 |
| Assets per employee ($millions) | 1.0118% | 6,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4972% | 32 |
| Loan loss allowance to noncurrent loans | 33.6603% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 9.2490% | 230 |
| Noncurrent loans to loans | 22.2730% | 16 |
| Net loans and leases to total assets | 23.8934% | 6,777 |
| Net loans and leases to deposits | 30.7205% | 6,727 |
| Net loans and leases to core deposits | 30.8927% | 6,747 |
| Total domestic deposits to total assets | 77.7767% | 6,145 |
| Equity capital to assets | 19.9962% | 216 |
| Core capital (leverage) ratio | 20.1286% | 189 |
| Tier 1 risk-based capital ratio | 51.0948% | 128 |
| Total risk-based capital ratio | 52.4157% | 126 |
| Memoranda: | ||
| Average total assets | $300,571,000 | 2,185 |
| Average earning assets | $245,796,000 | 2,417 |
| Average equity | $61,040,500 | 1,204 |
| Average total loans | $83,516,000 | 3,912 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5536% | 6,918 |
| Cost of funding earning assets | 0.2817% | 6,546 |
| Net interest margin | 2.2719% | 6,850 |
| Noninterest income to average assets | 9.7806% | 73 |
| Noninterest expense to average assets | 8.6801% | 101 |
| Loan and lease loss provision to assets | 0.3777% | 1,732 |
| Net operating income to assets | 1.5468% | 838 |
| Return on assets (ROA) | 1.5468% | 917 |
| Pretax return on assets | 2.5367% | 245 |
| Return on Equity (ROE) | 7.7168% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.7168% | 1,228 |
| Net charge-offs to loans | 3.8179% | 83 |
| Credit loss provision to net charge-offs | 28.3359% | 5,148 |
| Earnings coverage of net charge-offs (x) | 2.1865% | 4,326 |
| Efficiency ratio | 74.5410% | 2,980 |
| Assets per employee ($millions) | 1.1877% | 7,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.5529% | 26 |
| Loan loss allowance to noncurrent loans | 32.9879% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 12.1830% | 136 |
| Noncurrent loans to loans | 25.9272% | 10 |
| Net loans and leases to total assets | 27.2709% | 6,779 |
| Net loans and leases to deposits | 35.6801% | 6,689 |
| Net loans and leases to core deposits | 35.8911% | 6,728 |
| Total domestic deposits to total assets | 76.4319% | 6,298 |
| Equity capital to assets | 20.6329% | 199 |
| Core capital (leverage) ratio | 20.4893% | 176 |
| Tier 1 risk-based capital ratio | 46.7516% | 156 |
| Total risk-based capital ratio | 48.0856% | 156 |
| Memoranda: | ||
| Average total assets | $291,239,800 | 2,195 |
| Average earning assets | $232,538,000 | 2,478 |
| Average equity | $58,379,000 | 1,216 |
| Average total loans | $101,680,200 | 3,476 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7204% | 6,993 |
| Cost of funding earning assets | 0.2827% | 6,686 |
| Net interest margin | 2.4377% | 6,869 |
| Noninterest income to average assets | 9.9374% | 71 |
| Noninterest expense to average assets | 8.5964% | 98 |
| Loan and lease loss provision to assets | 0.0735% | 4,746 |
| Net operating income to assets | 1.9590% | 406 |
| Return on assets (ROA) | 1.9590% | 467 |
| Pretax return on assets | 3.2115% | 129 |
| Return on Equity (ROE) | 9.8463% | 2,420 |
| Retained earnings to average equity (ytd only) | 9.8463% | 954 |
| Net charge-offs to loans | 3.5482% | 126 |
| Credit loss provision to net charge-offs | 5.7184% | 5,121 |
| Earnings coverage of net charge-offs (x) | 2.5572% | 4,019 |
| Efficiency ratio | 72.0352% | 3,323 |
| Assets per employee ($millions) | 1.1522% | 7,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8327% | 31 |
| Loan loss allowance to noncurrent loans | 30.3320% | 6,111 |
| Noncurrent assets plus other real estate owned to assets | 13.8247% | 112 |
| Noncurrent loans to loans | 25.8232% | 15 |
| Net loans and leases to total assets | 30.9076% | 6,780 |
| Net loans and leases to deposits | 40.3828% | 6,664 |
| Net loans and leases to core deposits | 40.5781% | 6,720 |
| Total domestic deposits to total assets | 76.5366% | 6,308 |
| Equity capital to assets | 20.8011% | 211 |
| Core capital (leverage) ratio | 20.6229% | 188 |
| Tier 1 risk-based capital ratio | 43.9071% | 185 |
| Total risk-based capital ratio | 45.2430% | 184 |
| Memoranda: | ||
| Average total assets | $290,410,000 | 2,227 |
| Average earning assets | $231,580,000 | 2,506 |
| Average equity | $57,779,750 | 1,230 |
| Average total loans | $105,139,750 | 3,427 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8769% | 7,022 |
| Cost of funding earning assets | 0.2842% | 6,789 |
| Net interest margin | 2.5927% | 6,823 |
| Noninterest income to average assets | 9.7510% | 74 |
| Noninterest expense to average assets | 8.5043% | 104 |
| Loan and lease loss provision to assets | 0.1103% | 4,146 |
| Net operating income to assets | 1.9445% | 425 |
| Return on assets (ROA) | 1.9445% | 491 |
| Pretax return on assets | 3.1871% | 133 |
| Return on Equity (ROE) | 9.9249% | 2,391 |
| Retained earnings to average equity (ytd only) | 9.9249% | 998 |
| Net charge-offs to loans | 2.1208% | 375 |
| Credit loss provision to net charge-offs | 14.0228% | 4,690 |
| Earnings coverage of net charge-offs (x) | 4.1911% | 3,149 |
| Efficiency ratio | 71.7382% | 3,478 |
| Assets per employee ($millions) | 1.0792% | 7,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2031% | 20 |
| Loan loss allowance to noncurrent loans | 42.5394% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 13.5690% | 131 |
| Noncurrent loans to loans | 21.6343% | 34 |
| Net loans and leases to total assets | 31.7713% | 6,816 |
| Net loans and leases to deposits | 41.3082% | 6,687 |
| Net loans and leases to core deposits | 41.5644% | 6,751 |
| Total domestic deposits to total assets | 76.9129% | 6,337 |
| Equity capital to assets | 20.2973% | 222 |
| Core capital (leverage) ratio | 20.3533% | 189 |
| Tier 1 risk-based capital ratio | 41.0600% | 213 |
| Total risk-based capital ratio | 42.4020% | 206 |
| Memoranda: | ||
| Average total assets | $290,042,000 | 2,228 |
| Average earning assets | $229,417,000 | 2,529 |
| Average equity | $56,827,000 | 1,254 |
| Average total loans | $107,600,670 | 3,387 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0035% | 7,046 |
| Cost of funding earning assets | 0.2930% | 6,865 |
| Net interest margin | 2.7105% | 6,753 |
| Noninterest income to average assets | 8.1956% | 82 |
| Noninterest expense to average assets | 8.2314% | 109 |
| Loan and lease loss provision to assets | 0.2203% | 2,740 |
| Net operating income to assets | 1.1403% | 1,917 |
| Return on assets (ROA) | 1.1403% | 2,104 |
| Pretax return on assets | 1.8716% | 933 |
| Return on Equity (ROE) | 5.9261% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.9261% | 3,003 |
| Net charge-offs to loans | 1.3502% | 749 |
| Credit loss provision to net charge-offs | 42.7807% | 3,402 |
| Earnings coverage of net charge-offs (x) | 4.0615% | 2,674 |
| Efficiency ratio | 79.3757% | 2,291 |
| Assets per employee ($millions) | 1.1319% | 7,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3817% | 18 |
| Loan loss allowance to noncurrent loans | 65.6743% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 11.4130% | 229 |
| Noncurrent loans to loans | 14.2852% | 138 |
| Net loans and leases to total assets | 32.5863% | 6,796 |
| Net loans and leases to deposits | 41.9171% | 6,665 |
| Net loans and leases to core deposits | 42.1650% | 6,741 |
| Total domestic deposits to total assets | 77.7398% | 6,304 |
| Equity capital to assets | 18.8591% | 288 |
| Core capital (leverage) ratio | 19.4720% | 220 |
| Tier 1 risk-based capital ratio | 38.2156% | 262 |
| Total risk-based capital ratio | 39.5550% | 256 |
| Memoranda: | ||
| Average total assets | $290,450,000 | 2,239 |
| Average earning assets | $227,999,500 | 2,564 |
| Average equity | $55,888,000 | 1,271 |
| Average total loans | $110,798,500 | 3,333 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6306% | 6,913 |
| Cost of funding earning assets | 0.4211% | 6,826 |
| Net interest margin | 3.2096% | 6,065 |
| Noninterest income to average assets | 9.2836% | 66 |
| Noninterest expense to average assets | 7.5732% | 119 |
| Loan and lease loss provision to assets | 1.2712% | 652 |
| Net operating income to assets | 1.8177% | 446 |
| Return on assets (ROA) | 1.8232% | 474 |
| Pretax return on assets | 2.9871% | 128 |
| Return on Equity (ROE) | 10.5592% | 1,860 |
| Retained earnings to average equity (ytd only) | 10.5592% | 466 |
| Net charge-offs to loans | 3.3574% | 240 |
| Credit loss provision to net charge-offs | 83.2973% | 4,316 |
| Earnings coverage of net charge-offs (x) | 2.7847% | 3,830 |
| Efficiency ratio | 63.7511% | 5,171 |
| Assets per employee ($millions) | 1.0565% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.0194% | 22 |
| Loan loss allowance to noncurrent loans | 52.8274% | 4,870 |
| Noncurrent assets plus other real estate owned to assets | 14.9445% | 122 |
| Noncurrent loans to loans | 17.0733% | 88 |
| Net loans and leases to total assets | 36.8146% | 6,714 |
| Net loans and leases to deposits | 47.6415% | 6,522 |
| Net loans and leases to core deposits | 47.9411% | 6,646 |
| Total domestic deposits to total assets | 77.2741% | 6,305 |
| Equity capital to assets | 19.6473% | 246 |
| Core capital (leverage) ratio | 19.4743% | 218 |
| Tier 1 risk-based capital ratio | 35.5336% | 319 |
| Total risk-based capital ratio | 36.8695% | 310 |
| Memoranda: | ||
| Average total assets | $302,869,000 | 2,118 |
| Average earning assets | $239,627,800 | 2,410 |
| Average equity | $52,295,400 | 1,301 |
| Average total loans | $137,668,000 | 2,840 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5276% | 7,068 |
| Cost of funding earning assets | 0.4464% | 6,891 |
| Net interest margin | 3.0812% | 6,429 |
| Noninterest income to average assets | 9.2320% | 69 |
| Noninterest expense to average assets | 7.3995% | 123 |
| Loan and lease loss provision to assets | 1.4499% | 487 |
| Net operating income to assets | 1.7268% | 590 |
| Return on assets (ROA) | 1.7282% | 645 |
| Pretax return on assets | 2.8314% | 161 |
| Return on Equity (ROE) | 10.3349% | 2,091 |
| Retained earnings to average equity (ytd only) | 10.3349% | 755 |
| Net charge-offs to loans | 3.4923% | 225 |
| Credit loss provision to net charge-offs | 89.0957% | 3,798 |
| Earnings coverage of net charge-offs (x) | 2.6295% | 3,801 |
| Efficiency ratio | 63.0559% | 5,231 |
| Assets per employee ($millions) | 1.1392% | 7,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.6624% | 24 |
| Loan loss allowance to noncurrent loans | 62.8620% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 13.8729% | 162 |
| Noncurrent loans to loans | 13.7800% | 170 |
| Net loans and leases to total assets | 38.2322% | 6,761 |
| Net loans and leases to deposits | 49.0025% | 6,565 |
| Net loans and leases to core deposits | 49.2946% | 6,699 |
| Total domestic deposits to total assets | 78.0210% | 6,190 |
| Equity capital to assets | 18.3266% | 357 |
| Core capital (leverage) ratio | 18.4353% | 292 |
| Tier 1 risk-based capital ratio | 34.6687% | 366 |
| Total risk-based capital ratio | 36.0107% | 356 |
| Memoranda: | ||
| Average total assets | $308,065,250 | 2,085 |
| Average earning assets | $244,619,750 | 2,356 |
| Average equity | $51,513,750 | 1,324 |
| Average total loans | $143,549,250 | 2,754 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6697% | 7,039 |
| Cost of funding earning assets | 0.4816% | 6,910 |
| Net interest margin | 3.1881% | 6,200 |
| Noninterest income to average assets | 8.9046% | 72 |
| Noninterest expense to average assets | 7.2843% | 131 |
| Loan and lease loss provision to assets | 1.1190% | 723 |
| Net operating income to assets | 1.8510% | 444 |
| Return on assets (ROA) | 1.8530% | 468 |
| Pretax return on assets | 3.0360% | 139 |
| Return on Equity (ROE) | 11.4251% | 1,663 |
| Retained earnings to average equity (ytd only) | 11.4251% | 602 |
| Net charge-offs to loans | 0.4176% | 2,889 |
| Credit loss provision to net charge-offs | 557.3248% | 555 |
| Earnings coverage of net charge-offs (x) | 20.6783% | 1,182 |
| Efficiency ratio | 63.3883% | 5,348 |
| Assets per employee ($millions) | 1.0838% | 7,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9238% | 23 |
| Loan loss allowance to noncurrent loans | 55.4629% | 4,704 |
| Noncurrent assets plus other real estate owned to assets | 17.1425% | 103 |
| Noncurrent loans to loans | 16.0896% | 113 |
| Net loans and leases to total assets | 44.4303% | 6,399 |
| Net loans and leases to deposits | 57.1013% | 6,038 |
| Net loans and leases to core deposits | 57.5154% | 6,304 |
| Total domestic deposits to total assets | 77.8096% | 6,326 |
| Equity capital to assets | 18.2845% | 363 |
| Core capital (leverage) ratio | 17.4182% | 375 |
| Tier 1 risk-based capital ratio | 28.9638% | 600 |
| Total risk-based capital ratio | 30.2933% | 582 |
| Memoranda: | ||
| Average total assets | $312,783,000 | 2,058 |
| Average earning assets | $248,360,330 | 2,344 |
| Average equity | $50,730,330 | 1,325 |
| Average total loans | $150,390,330 | 2,677 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2074% | 7,334 |
| Cost of funding earning assets | 0.5343% | 6,847 |
| Net interest margin | 2.6731% | 7,044 |
| Noninterest income to average assets | 6.4465% | 107 |
| Noninterest expense to average assets | 6.9723% | 148 |
| Loan and lease loss provision to assets | 0.7986% | 1,058 |
| Net operating income to assets | 0.5035% | 4,476 |
| Return on assets (ROA) | 0.5074% | 4,546 |
| Pretax return on assets | 0.8330% | 3,777 |
| Return on Equity (ROE) | 3.3147% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.3147% | 4,196 |
| Net charge-offs to loans | -0.2598% | 7,314 |
| Credit loss provision to net charge-offs | -643.5644% | 6,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7088% | 2,408 |
| Assets per employee ($millions) | 1.1620% | 7,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8402% | 41 |
| Loan loss allowance to noncurrent loans | 45.1638% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 16.3502% | 122 |
| Noncurrent loans to loans | 17.3595% | 101 |
| Net loans and leases to total assets | 45.1117% | 6,369 |
| Net loans and leases to deposits | 57.7867% | 5,945 |
| Net loans and leases to core deposits | 58.0814% | 6,245 |
| Total domestic deposits to total assets | 78.0660% | 6,368 |
| Equity capital to assets | 16.2466% | 533 |
| Core capital (leverage) ratio | 15.2422% | 616 |
| Tier 1 risk-based capital ratio | 27.1602% | 693 |
| Total risk-based capital ratio | 28.4786% | 674 |
| Memoranda: | ||
| Average total assets | $325,572,000 | 2,005 |
| Average earning assets | $262,020,500 | 2,251 |
| Average equity | $49,838,500 | 1,336 |
| Average total loans | $155,531,000 | 2,623 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7534% | 7,522 |
| Cost of funding earning assets | 1.4595% | 2,896 |
| Net interest margin | 1.2939% | 7,566 |
| Noninterest income to average assets | 6.7899% | 97 |
| Noninterest expense to average assets | 4.8122% | 489 |
| Loan and lease loss provision to assets | 0.8465% | 1,935 |
| Net operating income to assets | 1.3676% | 1,013 |
| Return on assets (ROA) | 1.3699% | 1,082 |
| Pretax return on assets | 2.2445% | 288 |
| Return on Equity (ROE) | 14.0069% | 877 |
| Retained earnings to average equity (ytd only) | 14.0069% | 164 |
| Net charge-offs to loans | 4.1637% | 291 |
| Credit loss provision to net charge-offs | 47.7954% | 6,293 |
| Earnings coverage of net charge-offs (x) | 1.7432% | 4,410 |
| Efficiency ratio | 60.6247% | 5,947 |
| Assets per employee ($millions) | 1.2806% | 7,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9028% | 64 |
| Loan loss allowance to noncurrent loans | 37.0828% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 17.2231% | 114 |
| Noncurrent loans to loans | 18.6146% | 90 |
| Net loans and leases to total assets | 43.4901% | 6,751 |
| Net loans and leases to deposits | 53.3853% | 6,652 |
| Net loans and leases to core deposits | 54.0142% | 6,813 |
| Total domestic deposits to total assets | 81.4646% | 5,367 |
| Equity capital to assets | 14.4658% | 912 |
| Core capital (leverage) ratio | 11.5416% | 1,812 |
| Tier 1 risk-based capital ratio | 25.0612% | 840 |
| Total risk-based capital ratio | 26.3699% | 815 |
| Memoranda: | ||
| Average total assets | $472,525,400 | 1,415 |
| Average earning assets | $405,280,000 | 1,500 |
| Average equity | $46,213,000 | 1,452 |
| Average total loans | $201,001,000 | 2,143 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6549% | 7,665 |
| Cost of funding earning assets | 1.5110% | 2,909 |
| Net interest margin | 1.1440% | 7,695 |
| Noninterest income to average assets | 6.5931% | 104 |
| Noninterest expense to average assets | 4.5171% | 575 |
| Loan and lease loss provision to assets | 0.9243% | 1,626 |
| Net operating income to assets | 1.3069% | 1,322 |
| Return on assets (ROA) | 1.3081% | 1,390 |
| Pretax return on assets | 2.1431% | 458 |
| Return on Equity (ROE) | 14.5605% | 929 |
| Retained earnings to average equity (ytd only) | 14.5605% | 232 |
| Net charge-offs to loans | 3.8767% | 325 |
| Credit loss provision to net charge-offs | 57.0033% | 5,762 |
| Earnings coverage of net charge-offs (x) | 1.8906% | 4,289 |
| Efficiency ratio | 59.2853% | 6,067 |
| Assets per employee ($millions) | 1.8787% | 7,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7599% | 72 |
| Loan loss allowance to noncurrent loans | 34.9226% | 5,997 |
| Noncurrent assets plus other real estate owned to assets | 14.0902% | 188 |
| Noncurrent loans to loans | 19.3568% | 88 |
| Net loans and leases to total assets | 35.4515% | 7,286 |
| Net loans and leases to deposits | 40.8847% | 7,344 |
| Net loans and leases to core deposits | 42.7754% | 7,356 |
| Total domestic deposits to total assets | 86.7108% | 2,690 |
| Equity capital to assets | 9.6739% | 4,578 |
| Core capital (leverage) ratio | 9.3751% | 4,098 |
| Tier 1 risk-based capital ratio | 20.8650% | 1,380 |
| Total risk-based capital ratio | 22.1797% | 1,344 |
| Memoranda: | ||
| Average total assets | $504,856,250 | 1,336 |
| Average earning assets | $436,710,000 | 1,412 |
| Average equity | $45,354,500 | 1,483 |
| Average total loans | $211,169,750 | 2,087 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7788% | 7,728 |
| Cost of funding earning assets | 1.5308% | 3,067 |
| Net interest margin | 1.2480% | 7,762 |
| Noninterest income to average assets | 6.9177% | 102 |
| Noninterest expense to average assets | 5.1720% | 333 |
| Loan and lease loss provision to assets | 1.2421% | 1,124 |
| Net operating income to assets | 0.9703% | 2,296 |
| Return on assets (ROA) | 0.9720% | 2,372 |
| Pretax return on assets | 1.5955% | 1,319 |
| Return on Equity (ROE) | 11.0989% | 1,717 |
| Retained earnings to average equity (ytd only) | 11.0989% | 635 |
| Net charge-offs to loans | 3.9000% | 339 |
| Credit loss provision to net charge-offs | 73.9437% | 4,863 |
| Earnings coverage of net charge-offs (x) | 1.6876% | 4,247 |
| Efficiency ratio | 64.3241% | 5,274 |
| Assets per employee ($millions) | 1.9145% | 7,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1594% | 52 |
| Loan loss allowance to noncurrent loans | 42.2646% | 5,512 |
| Noncurrent assets plus other real estate owned to assets | 12.6437% | 239 |
| Noncurrent loans to loans | 16.9394% | 132 |
| Net loans and leases to total assets | 36.6172% | 7,332 |
| Net loans and leases to deposits | 41.7175% | 7,403 |
| Net loans and leases to core deposits | 43.6879% | 7,410 |
| Total domestic deposits to total assets | 87.7742% | 2,124 |
| Equity capital to assets | 9.0138% | 5,423 |
| Core capital (leverage) ratio | 8.6968% | 5,078 |
| Tier 1 risk-based capital ratio | 19.1067% | 1,696 |
| Total risk-based capital ratio | 20.4251% | 1,644 |
| Memoranda: | ||
| Average total assets | $507,190,000 | 1,338 |
| Average earning assets | $442,631,330 | 1,398 |
| Average equity | $44,418,670 | 1,500 |
| Average total loans | $218,462,000 | 2,039 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9228% | 7,822 |
| Cost of funding earning assets | 1.5825% | 3,060 |
| Net interest margin | 1.3403% | 7,853 |
| Noninterest income to average assets | 6.6352% | 105 |
| Noninterest expense to average assets | 4.7784% | 445 |
| Loan and lease loss provision to assets | 1.6959% | 669 |
| Net operating income to assets | 0.8148% | 2,901 |
| Return on assets (ROA) | 0.8148% | 2,999 |
| Pretax return on assets | 1.3354% | 1,948 |
| Return on Equity (ROE) | 9.4419% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.4419% | 1,289 |
| Net charge-offs to loans | 5.8882% | 185 |
| Credit loss provision to net charge-offs | 64.1600% | 4,223 |
| Earnings coverage of net charge-offs (x) | 1.1468% | 4,080 |
| Efficiency ratio | 60.9130% | 6,016 |
| Assets per employee ($millions) | 1.9293% | 7,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4053% | 83 |
| Loan loss allowance to noncurrent loans | 47.8359% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 10.9179% | 335 |
| Noncurrent loans to loans | 13.3901% | 232 |
| Net loans and leases to total assets | 40.2281% | 7,237 |
| Net loans and leases to deposits | 45.9170% | 7,335 |
| Net loans and leases to core deposits | 48.1209% | 7,357 |
| Total domestic deposits to total assets | 87.6106% | 2,294 |
| Equity capital to assets | 8.5719% | 5,908 |
| Core capital (leverage) ratio | 8.4635% | 5,438 |
| Tier 1 risk-based capital ratio | 17.3278% | 2,136 |
| Total risk-based capital ratio | 18.6354% | 2,083 |
| Memoranda: | ||
| Average total assets | $507,113,000 | 1,368 |
| Average earning assets | $444,370,500 | 1,430 |
| Average equity | $43,762,500 | 1,532 |
| Average total loans | $227,642,500 | 2,010 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1721% | 7,618 |
| Cost of funding earning assets | 2.3175% | 1,588 |
| Net interest margin | 1.8545% | 7,792 |
| Noninterest income to average assets | 8.4067% | 81 |
| Noninterest expense to average assets | 5.3961% | 416 |
| Loan and lease loss provision to assets | 3.8007% | 378 |
| Net operating income to assets | 0.5373% | 3,582 |
| Return on assets (ROA) | 0.5386% | 3,659 |
| Pretax return on assets | 0.8843% | 2,975 |
| Return on Equity (ROE) | 5.5353% | 3,406 |
| Retained earnings to average equity (ytd only) | 5.5353% | 1,560 |
| Net charge-offs to loans | 3.5046% | 552 |
| Credit loss provision to net charge-offs | 175.4481% | 2,395 |
| Earnings coverage of net charge-offs (x) | 2.1617% | 4,102 |
| Efficiency ratio | 53.5377% | 7,273 |
| Assets per employee ($millions) | 1.8482% | 7,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6236% | 77 |
| Loan loss allowance to noncurrent loans | 62.3551% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 9.2762% | 429 |
| Noncurrent loans to loans | 10.6224% | 368 |
| Net loans and leases to total assets | 43.7702% | 7,130 |
| Net loans and leases to deposits | 49.6302% | 7,279 |
| Net loans and leases to core deposits | 71.9120% | 6,667 |
| Total domestic deposits to total assets | 88.1927% | 1,889 |
| Equity capital to assets | 8.6899% | 5,599 |
| Core capital (leverage) ratio | 9.4947% | 3,730 |
| Tier 1 risk-based capital ratio | 16.3815% | 2,362 |
| Total risk-based capital ratio | 17.6907% | 2,292 |
| Memoranda: | ||
| Average total assets | $427,553,200 | 1,618 |
| Average earning assets | $385,541,600 | 1,631 |
| Average equity | $41,606,000 | 1,605 |
| Average total loans | $264,284,800 | 1,807 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 7,579 |
| Cost of funding earning assets | 2.5220% | 1,232 |
| Net interest margin | 1.9095% | 7,847 |
| Noninterest income to average assets | 8.7995% | 83 |
| Noninterest expense to average assets | 5.6241% | 359 |
| Loan and lease loss provision to assets | 4.3885% | 238 |
| Net operating income to assets | 0.3226% | 4,708 |
| Return on assets (ROA) | 0.3244% | 4,807 |
| Pretax return on assets | 0.5217% | 4,450 |
| Return on Equity (ROE) | 3.2292% | 4,689 |
| Retained earnings to average equity (ytd only) | 3.2292% | 3,513 |
| Net charge-offs to loans | 2.8244% | 620 |
| Credit loss provision to net charge-offs | 234.2124% | 1,867 |
| Earnings coverage of net charge-offs (x) | 2.6190% | 3,912 |
| Efficiency ratio | 53.4031% | 7,299 |
| Assets per employee ($millions) | 1.4128% | 8,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4125% | 66 |
| Loan loss allowance to noncurrent loans | 59.2907% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 8.6414% | 466 |
| Noncurrent loans to loans | 10.8154% | 341 |
| Net loans and leases to total assets | 62.6138% | 5,135 |
| Net loans and leases to deposits | 71.6829% | 5,701 |
| Net loans and leases to core deposits | 94.5193% | 4,973 |
| Total domestic deposits to total assets | 87.3483% | 1,985 |
| Equity capital to assets | 11.1227% | 2,904 |
| Core capital (leverage) ratio | 10.2835% | 2,989 |
| Tier 1 risk-based capital ratio | 15.7417% | 2,720 |
| Total risk-based capital ratio | 17.0577% | 2,634 |
| Memoranda: | ||
| Average total assets | $410,150,250 | 1,699 |
| Average earning assets | $372,026,250 | 1,701 |
| Average equity | $41,206,750 | 1,644 |
| Average total loans | $272,094,500 | 1,783 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4476% | 7,673 |
| Cost of funding earning assets | 2.5791% | 1,346 |
| Net interest margin | 1.8685% | 7,920 |
| Noninterest income to average assets | 8.4013% | 85 |
| Noninterest expense to average assets | 5.3571% | 413 |
| Loan and lease loss provision to assets | 4.2743% | 275 |
| Net operating income to assets | 0.2935% | 4,925 |
| Return on assets (ROA) | 0.2935% | 5,031 |
| Pretax return on assets | 0.4744% | 4,703 |
| Return on Equity (ROE) | 3.0178% | 4,894 |
| Retained earnings to average equity (ytd only) | 3.0178% | 3,638 |
| Net charge-offs to loans | 0.8921% | 1,914 |
| Credit loss provision to net charge-offs | 724.0547% | 658 |
| Earnings coverage of net charge-offs (x) | 8.0442% | 2,324 |
| Efficiency ratio | 53.0100% | 7,435 |
| Assets per employee ($millions) | 1.4947% | 8,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9659% | 82 |
| Loan loss allowance to noncurrent loans | 71.2120% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 6.6278% | 677 |
| Noncurrent loans to loans | 8.3776% | 502 |
| Net loans and leases to total assets | 63.2910% | 5,123 |
| Net loans and leases to deposits | 72.0529% | 5,725 |
| Net loans and leases to core deposits | 96.4782% | 4,846 |
| Total domestic deposits to total assets | 87.8396% | 1,842 |
| Equity capital to assets | 10.2629% | 3,652 |
| Core capital (leverage) ratio | 9.5380% | 3,829 |
| Tier 1 risk-based capital ratio | 14.5041% | 3,240 |
| Total risk-based capital ratio | 15.8127% | 3,148 |
| Memoranda: | ||
| Average total assets | $421,123,670 | 1,684 |
| Average earning assets | $384,161,330 | 1,686 |
| Average equity | $40,956,330 | 1,658 |
| Average total loans | $278,665,330 | 1,779 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5043% | 7,714 |
| Cost of funding earning assets | 2.6924% | 1,295 |
| Net interest margin | 1.8119% | 7,972 |
| Noninterest income to average assets | 7.6511% | 87 |
| Noninterest expense to average assets | 5.2989% | 398 |
| Loan and lease loss provision to assets | 4.1870% | 221 |
| Net operating income to assets | -0.1126% | 6,431 |
| Return on assets (ROA) | -0.1126% | 6,541 |
| Pretax return on assets | -0.1786% | 6,550 |
| Return on Equity (ROE) | -1.1884% | 6,570 |
| Retained earnings to average equity (ytd only) | -1.1884% | 5,930 |
| Net charge-offs to loans | 0.8193% | 1,579 |
| Credit loss provision to net charge-offs | 778.5467% | 768 |
| Earnings coverage of net charge-offs (x) | 7.4533% | 2,345 |
| Efficiency ratio | 56.9329% | 6,842 |
| Assets per employee ($millions) | 1.5155% | 8,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4504% | 152 |
| Loan loss allowance to noncurrent loans | 108.8525% | 2,833 |
| Noncurrent assets plus other real estate owned to assets | 3.6059% | 1,474 |
| Noncurrent loans to loans | 4.0884% | 1,469 |
| Net loans and leases to total assets | 62.3651% | 5,259 |
| Net loans and leases to deposits | 70.6249% | 5,921 |
| Net loans and leases to core deposits | 94.8945% | 5,072 |
| Total domestic deposits to total assets | 88.3047% | 1,573 |
| Equity capital to assets | 9.5615% | 4,584 |
| Core capital (leverage) ratio | 9.1309% | 4,498 |
| Tier 1 risk-based capital ratio | 13.7461% | 3,719 |
| Total risk-based capital ratio | 15.0355% | 3,626 |
| Memoranda: | ||
| Average total assets | $429,900,000 | 1,655 |
| Average earning assets | $392,960,500 | 1,665 |
| Average equity | $40,725,500 | 1,667 |
| Average total loans | $282,183,500 | 1,766 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1044% | 5,017 |
| Cost of funding earning assets | 2.8991% | 2,271 |
| Net interest margin | 3.2053% | 6,350 |
| Noninterest income to average assets | 8.8140% | 83 |
| Noninterest expense to average assets | 5.8597% | 426 |
| Loan and lease loss provision to assets | 1.9415% | 639 |
| Net operating income to assets | 2.4705% | 135 |
| Return on assets (ROA) | 2.4940% | 129 |
| Pretax return on assets | 3.9704% | 62 |
| Return on Equity (ROE) | 24.5954% | 150 |
| Retained earnings to average equity (ytd only) | 14.0315% | 119 |
| Net charge-offs to loans | 0.7138% | 1,732 |
| Credit loss provision to net charge-offs | 363.4085% | 1,218 |
| Earnings coverage of net charge-offs (x) | 10.9970% | 2,433 |
| Efficiency ratio | 49.9338% | 7,667 |
| Assets per employee ($millions) | 1.5610% | 8,146 |
| Cash dividends to net income (ytd only)* | 42.9507% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9496% | 457 |
| Loan loss allowance to noncurrent loans | 56.6486% | 5,146 |
| Noncurrent assets plus other real estate owned to assets | 3.4366% | 1,296 |
| Noncurrent loans to loans | 5.2068% | 816 |
| Net loans and leases to total assets | 64.0551% | 5,264 |
| Net loans and leases to deposits | 72.0904% | 6,052 |
| Net loans and leases to core deposits | 97.3956% | 5,113 |
| Total domestic deposits to total assets | 88.8539% | 1,099 |
| Equity capital to assets | 9.3867% | 4,837 |
| Core capital (leverage) ratio | 10.3929% | 3,080 |
| Tier 1 risk-based capital ratio | 13.3245% | 3,915 |
| Total risk-based capital ratio | 14.5952% | 3,809 |
| Memoranda: | ||
| Average total assets | $373,415,400 | 1,804 |
| Average earning assets | $340,280,800 | 1,810 |
| Average equity | $37,864,800 | 1,783 |
| Average total loans | $279,474,000 | 1,724 |