Home > Armed Forces Bank > Performance and Condition Ratios
Armed Forces 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 | 4.6213% | 2,849 |
| Cost of funding earning assets | 0.8570% | 3,600 |
| Net interest margin | 3.7643% | 1,619 |
| Noninterest income to average assets | 3.1000% | 177 |
| Noninterest expense to average assets | 4.7800% | 244 |
| Loan and lease loss provision to assets | 0.2400% | 482 |
| Net operating income to assets | 1.2020% | 1,648 |
| Return on assets (ROA) | 1.2054% | 1,611 |
| Pretax return on assets | 1.5952% | 1,240 |
| Return on Equity (ROE) | 9.9100% | 2,525 |
| Retained earnings to average equity (ytd only) | 3.4455% | 3,144 |
| Net charge-offs to loans | 0.3222% | 340 |
| Credit loss provision to net charge-offs | 124.6044% | 1,637 |
| Earnings coverage of net charge-offs (x) | 9.1954% | 2,306 |
| Efficiency ratio | 72.3403% | 1,630 |
| Assets per employee ($millions) | 4.8603% | 3,735 |
| Cash dividends to net income (ytd only)* | 65.2273% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 1,368 |
| Loan loss allowance to noncurrent loans | 161.3812% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5290% | 1,061 |
| Noncurrent loans to loans | 0.8724% | 872 |
| Net loans and leases to total assets | 59.7900% | 2,860 |
| Net loans and leases to deposits | 69.5368% | 2,919 |
| Net loans and leases to core deposits | 73.4619% | 3,101 |
| Total domestic deposits to total assets | 85.9800% | 2,026 |
| Equity capital to assets | 12.1894% | 1,073 |
| Core capital (leverage) ratio | 14.3262% | 736 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7295% | 497 |
| Memoranda: | ||
| Average total assets | $1,271,905,800 | 819 |
| Average earning assets | $1,185,931,000 | 801 |
| Average equity | $154,725,200 | 660 |
| Average total loans | $784,506,800 | 877 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5762% | 2,735 |
| Cost of funding earning assets | 0.7752% | 3,591 |
| Net interest margin | 3.8009% | 1,595 |
| Noninterest income to average assets | 3.2400% | 183 |
| Noninterest expense to average assets | 4.7733% | 246 |
| Loan and lease loss provision to assets | 0.2800% | 342 |
| Net operating income to assets | 1.3098% | 1,530 |
| Return on assets (ROA) | 1.2957% | 1,542 |
| Pretax return on assets | 1.7179% | 1,136 |
| Return on Equity (ROE) | 10.6600% | 2,463 |
| Retained earnings to average equity (ytd only) | 4.1265% | 3,227 |
| Net charge-offs to loans | 0.2857% | 299 |
| Credit loss provision to net charge-offs | 164.4737% | 1,256 |
| Earnings coverage of net charge-offs (x) | 11.3906% | 2,098 |
| Efficiency ratio | 70.3034% | 1,750 |
| Assets per employee ($millions) | 4.7082% | 3,806 |
| Cash dividends to net income (ytd only)* | 61.2795% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 1,162 |
| Loan loss allowance to noncurrent loans | 171.3306% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 1,083 |
| Noncurrent loans to loans | 0.8639% | 961 |
| Net loans and leases to total assets | 61.4900% | 2,703 |
| Net loans and leases to deposits | 70.4235% | 2,817 |
| Net loans and leases to core deposits | 73.6887% | 3,011 |
| Total domestic deposits to total assets | 87.3100% | 1,798 |
| Equity capital to assets | 11.6519% | 1,139 |
| Core capital (leverage) ratio | 14.5055% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2992% | 470 |
| Memoranda: | ||
| Average total assets | $1,259,379,500 | 830 |
| Average earning assets | $1,176,738,000 | 811 |
| Average equity | $153,120,250 | 661 |
| Average total loans | $780,219,000 | 876 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5080% | 2,628 |
| Cost of funding earning assets | 0.6735% | 3,560 |
| Net interest margin | 3.8345% | 1,555 |
| Noninterest income to average assets | 3.3200% | 168 |
| Noninterest expense to average assets | 4.7687% | 237 |
| Loan and lease loss provision to assets | 0.3300% | 270 |
| Net operating income to assets | 1.3585% | 1,426 |
| Return on assets (ROA) | 1.3565% | 1,415 |
| Pretax return on assets | 1.7973% | 1,013 |
| Return on Equity (ROE) | 11.0000% | 2,417 |
| Retained earnings to average equity (ytd only) | 4.5417% | 3,071 |
| Net charge-offs to loans | 0.2289% | 356 |
| Credit loss provision to net charge-offs | 230.8559% | 989 |
| Earnings coverage of net charge-offs (x) | 15.0315% | 1,864 |
| Efficiency ratio | 69.1604% | 1,846 |
| Assets per employee ($millions) | 4.4350% | 3,990 |
| Cash dividends to net income (ytd only)* | 58.7199% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4931% | 1,203 |
| Loan loss allowance to noncurrent loans | 1,414.7129% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0661% | 3,108 |
| Noncurrent loans to loans | 0.1055% | 2,958 |
| Net loans and leases to total assets | 61.7300% | 2,600 |
| Net loans and leases to deposits | 71.2955% | 2,695 |
| Net loans and leases to core deposits | 75.0023% | 2,829 |
| Total domestic deposits to total assets | 86.5900% | 2,061 |
| Equity capital to assets | 12.3581% | 960 |
| Core capital (leverage) ratio | 14.2991% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8150% | 495 |
| Memoranda: | ||
| Average total assets | $1,255,438,667 | 817 |
| Average earning assets | $1,171,738,333 | 803 |
| Average equity | $154,787,333 | 652 |
| Average total loans | $775,825,667 | 864 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4231% | 2,484 |
| Cost of funding earning assets | 0.5082% | 3,660 |
| Net interest margin | 3.9149% | 1,450 |
| Noninterest income to average assets | 3.2100% | 166 |
| Noninterest expense to average assets | 4.7783% | 246 |
| Loan and lease loss provision to assets | 0.4200% | 191 |
| Net operating income to assets | 1.2545% | 1,787 |
| Return on assets (ROA) | 1.2702% | 1,719 |
| Pretax return on assets | 1.6816% | 1,310 |
| Return on Equity (ROE) | 10.3100% | 2,696 |
| Retained earnings to average equity (ytd only) | 10.3142% | 1,627 |
| Net charge-offs to loans | -0.0156% | 4,014 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.6978% | 1,775 |
| Assets per employee ($millions) | 4.5558% | 3,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5403% | 1,149 |
| Loan loss allowance to noncurrent loans | 1,117.8938% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 2,973 |
| Noncurrent loans to loans | 0.1378% | 2,812 |
| Net loans and leases to total assets | 59.2600% | 2,742 |
| Net loans and leases to deposits | 68.2605% | 2,749 |
| Net loans and leases to core deposits | 72.4796% | 2,782 |
| Total domestic deposits to total assets | 86.8200% | 2,332 |
| Equity capital to assets | 12.1436% | 957 |
| Core capital (leverage) ratio | 14.8274% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7621% | 517 |
| Memoranda: | ||
| Average total assets | $1,251,167,500 | 839 |
| Average earning assets | $1,165,687,000 | 827 |
| Average equity | $154,079,000 | 667 |
| Average total loans | $767,670,500 | 888 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8123% | 2,247 |
| Cost of funding earning assets | 0.1836% | 3,881 |
| Net interest margin | 3.6286% | 1,561 |
| Noninterest income to average assets | 3.9100% | 148 |
| Noninterest expense to average assets | 5.3030% | 199 |
| Loan and lease loss provision to assets | 0.3300% | 233 |
| Net operating income to assets | 1.1822% | 1,848 |
| Return on assets (ROA) | 1.1434% | 1,942 |
| Pretax return on assets | 1.5349% | 1,347 |
| Return on Equity (ROE) | 8.8500% | 3,164 |
| Retained earnings to average equity (ytd only) | 2.5865% | 3,823 |
| Net charge-offs to loans | 0.6269% | 112 |
| Credit loss provision to net charge-offs | 93.7143% | 1,608 |
| Earnings coverage of net charge-offs (x) | 5.4114% | 2,376 |
| Efficiency ratio | 73.4621% | 1,274 |
| Assets per employee ($millions) | 3.9364% | 4,306 |
| Cash dividends to net income (ytd only)* | 70.7664% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4690% | 1,294 |
| Loan loss allowance to noncurrent loans | 974.9123% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 2,855 |
| Noncurrent loans to loans | 0.1507% | 2,749 |
| Net loans and leases to total assets | 61.6900% | 2,475 |
| Net loans and leases to deposits | 71.4098% | 2,457 |
| Net loans and leases to core deposits | 72.4003% | 2,693 |
| Total domestic deposits to total assets | 86.3800% | 2,612 |
| Equity capital to assets | 12.4981% | 805 |
| Core capital (leverage) ratio | 14.2325% | 688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5132% | 513 |
| Memoranda: | ||
| Average total assets | $1,235,841,000 | 835 |
| Average earning assets | $1,126,628,600 | 840 |
| Average equity | $159,713,000 | 649 |
| Average total loans | $697,919,800 | 910 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5961% | 2,359 |
| Cost of funding earning assets | 0.1083% | 4,214 |
| Net interest margin | 3.4877% | 1,696 |
| Noninterest income to average assets | 3.9000% | 152 |
| Noninterest expense to average assets | 5.2827% | 203 |
| Loan and lease loss provision to assets | 0.2700% | 282 |
| Net operating income to assets | 1.1510% | 1,890 |
| Return on assets (ROA) | 1.0974% | 2,077 |
| Pretax return on assets | 1.4522% | 1,547 |
| Return on Equity (ROE) | 8.4200% | 3,194 |
| Retained earnings to average equity (ytd only) | 2.2469% | 3,969 |
| Net charge-offs to loans | 0.6365% | 98 |
| Credit loss provision to net charge-offs | 76.6401% | 1,430 |
| Earnings coverage of net charge-offs (x) | 5.1094% | 2,153 |
| Efficiency ratio | 74.7102% | 1,208 |
| Assets per employee ($millions) | 3.8096% | 4,394 |
| Cash dividends to net income (ytd only)* | 73.3281% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4245% | 1,530 |
| Loan loss allowance to noncurrent loans | 1,041.8627% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 2,912 |
| Noncurrent loans to loans | 0.1367% | 2,954 |
| Net loans and leases to total assets | 61.0900% | 2,393 |
| Net loans and leases to deposits | 71.0954% | 2,276 |
| Net loans and leases to core deposits | 71.5573% | 2,520 |
| Total domestic deposits to total assets | 85.9300% | 3,081 |
| Equity capital to assets | 11.6639% | 951 |
| Core capital (leverage) ratio | 14.0366% | 678 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0622% | 561 |
| Memoranda: | ||
| Average total assets | $1,242,680,500 | 832 |
| Average earning assets | $1,128,461,250 | 843 |
| Average equity | $161,881,750 | 645 |
| Average total loans | $683,253,000 | 924 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3135% | 2,696 |
| Cost of funding earning assets | 0.0622% | 4,512 |
| Net interest margin | 3.2513% | 2,052 |
| Noninterest income to average assets | 4.0880% | 114 |
| Noninterest expense to average assets | 5.3004% | 158 |
| Loan and lease loss provision to assets | 0.1911% | 455 |
| Net operating income to assets | 1.1668% | 1,552 |
| Return on assets (ROA) | 1.1137% | 1,701 |
| Pretax return on assets | 1.4689% | 1,251 |
| Return on Equity (ROE) | 8.2727% | 2,941 |
| Retained earnings to average equity (ytd only) | 2.3569% | 3,654 |
| Net charge-offs to loans | 0.6734% | 90 |
| Credit loss provision to net charge-offs | 53.8117% | 1,480 |
| Earnings coverage of net charge-offs (x) | 4.8628% | 1,942 |
| Efficiency ratio | 75.4221% | 1,343 |
| Assets per employee ($millions) | 4.0528% | 4,341 |
| Cash dividends to net income (ytd only)* | 71.5103% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,766 |
| Loan loss allowance to noncurrent loans | 559.2873% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.1621% | 2,574 |
| Noncurrent loans to loans | 0.2498% | 2,480 |
| Net loans and leases to total assets | 56.3656% | 2,712 |
| Net loans and leases to deposits | 69.5365% | 2,258 |
| Net loans and leases to core deposits | 70.0595% | 2,485 |
| Total domestic deposits to total assets | 81.0590% | 4,124 |
| Equity capital to assets | 12.0266% | 863 |
| Core capital (leverage) ratio | 14.4084% | 557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4231% | 590 |
| Memoranda: | ||
| Average total assets | $1,255,634,000 | 819 |
| Average earning assets | $1,135,304,667 | 841 |
| Average equity | $169,038,333 | 627 |
| Average total loans | $662,324,667 | 939 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1258% | 2,891 |
| Cost of funding earning assets | 0.0611% | 4,519 |
| Net interest margin | 3.0646% | 2,283 |
| Noninterest income to average assets | 3.9932% | 124 |
| Noninterest expense to average assets | 5.5019% | 149 |
| Loan and lease loss provision to assets | 0.0972% | 851 |
| Net operating income to assets | 0.9159% | 2,223 |
| Return on assets (ROA) | 0.8521% | 2,469 |
| Pretax return on assets | 1.1219% | 2,072 |
| Return on Equity (ROE) | 5.9942% | 3,349 |
| Retained earnings to average equity (ytd only) | 0.2985% | 3,956 |
| Net charge-offs to loans | 0.7617% | 91 |
| Credit loss provision to net charge-offs | 25.2951% | 1,273 |
| Earnings coverage of net charge-offs (x) | 3.3836% | 1,669 |
| Efficiency ratio | 80.8905% | 1,082 |
| Assets per employee ($millions) | 3.7324% | 4,492 |
| Cash dividends to net income (ytd only)* | 95.0209% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6644% | 1,117 |
| Loan loss allowance to noncurrent loans | 505.6813% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.1878% | 2,506 |
| Noncurrent loans to loans | 0.3291% | 2,303 |
| Net loans and leases to total assets | 50.0782% | 3,165 |
| Net loans and leases to deposits | 58.6920% | 3,012 |
| Net loans and leases to core deposits | 59.1237% | 3,223 |
| Total domestic deposits to total assets | 85.3237% | 3,463 |
| Equity capital to assets | 13.3262% | 635 |
| Core capital (leverage) ratio | 14.4784% | 511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3075% | 472 |
| Memoranda: | ||
| Average total assets | $1,234,997,000 | 832 |
| Average earning assets | $1,131,752,000 | 850 |
| Average equity | $175,570,500 | 618 |
| Average total loans | $622,803,000 | 985 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8337% | 4,154 |
| Cost of funding earning assets | 0.0892% | 4,462 |
| Net interest margin | 2.7445% | 3,793 |
| Noninterest income to average assets | 3.9449% | 135 |
| Noninterest expense to average assets | 4.8151% | 185 |
| Loan and lease loss provision to assets | -0.1062% | 4,544 |
| Net operating income to assets | 1.3442% | 1,462 |
| Return on assets (ROA) | 1.3341% | 1,536 |
| Pretax return on assets | 1.7365% | 1,054 |
| Return on Equity (ROE) | 8.7806% | 2,988 |
| Retained earnings to average equity (ytd only) | 3.4020% | 3,459 |
| Net charge-offs to loans | 0.2856% | 311 |
| Credit loss provision to net charge-offs | -80.0493% | 3,325 |
| Earnings coverage of net charge-offs (x) | 12.3799% | 2,116 |
| Efficiency ratio | 74.5296% | 1,253 |
| Assets per employee ($millions) | 3.8828% | 4,458 |
| Cash dividends to net income (ytd only)* | 61.2557% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 791 |
| Loan loss allowance to noncurrent loans | 506.1778% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.2031% | 2,552 |
| Noncurrent loans to loans | 0.3661% | 2,272 |
| Net loans and leases to total assets | 49.0046% | 3,407 |
| Net loans and leases to deposits | 58.6096% | 3,199 |
| Net loans and leases to core deposits | 59.0295% | 3,390 |
| Total domestic deposits to total assets | 83.6118% | 3,661 |
| Equity capital to assets | 15.1124% | 480 |
| Core capital (leverage) ratio | 14.4870% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2045% | 429 |
| Memoranda: | ||
| Average total assets | $1,223,660,800 | 814 |
| Average earning assets | $1,120,548,000 | 823 |
| Average equity | $185,921,000 | 583 |
| Average total loans | $568,683,000 | 1,066 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7784% | 4,324 |
| Cost of funding earning assets | 0.1009% | 4,495 |
| Net interest margin | 2.6775% | 4,017 |
| Noninterest income to average assets | 4.0211% | 137 |
| Noninterest expense to average assets | 4.6756% | 200 |
| Loan and lease loss provision to assets | 0.0109% | 2,773 |
| Net operating income to assets | 1.3099% | 1,799 |
| Return on assets (ROA) | 1.3008% | 1,884 |
| Pretax return on assets | 1.7515% | 1,275 |
| Return on Equity (ROE) | 8.5499% | 3,242 |
| Retained earnings to average equity (ytd only) | 4.9639% | 3,233 |
| Net charge-offs to loans | 0.1984% | 427 |
| Credit loss provision to net charge-offs | 12.0627% | 2,018 |
| Earnings coverage of net charge-offs (x) | 19.6092% | 1,754 |
| Efficiency ratio | 72.4959% | 1,359 |
| Assets per employee ($millions) | 4.3406% | 4,237 |
| Cash dividends to net income (ytd only)* | 41.9428% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4575% | 306 |
| Loan loss allowance to noncurrent loans | 654.6506% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2082% | 2,745 |
| Noncurrent loans to loans | 0.3754% | 2,433 |
| Net loans and leases to total assets | 43.5848% | 3,991 |
| Net loans and leases to deposits | 52.1680% | 3,872 |
| Net loans and leases to core deposits | 53.3453% | 3,962 |
| Total domestic deposits to total assets | 83.5469% | 3,574 |
| Equity capital to assets | 15.2855% | 498 |
| Core capital (leverage) ratio | 15.1097% | 475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.5767% | 395 |
| Memoranda: | ||
| Average total assets | $1,221,866,000 | 824 |
| Average earning assets | $1,108,190,500 | 836 |
| Average equity | $185,899,000 | 587 |
| Average total loans | $557,214,500 | 1,100 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7021% | 4,452 |
| Cost of funding earning assets | 0.1117% | 4,495 |
| Net interest margin | 2.5904% | 4,184 |
| Noninterest income to average assets | 3.9011% | 144 |
| Noninterest expense to average assets | 4.6907% | 196 |
| Loan and lease loss provision to assets | 0.0164% | 2,625 |
| Net operating income to assets | 1.1511% | 2,362 |
| Return on assets (ROA) | 1.1407% | 2,462 |
| Pretax return on assets | 1.5413% | 1,901 |
| Return on Equity (ROE) | 7.5094% | 3,526 |
| Retained earnings to average equity (ytd only) | 2.0992% | 4,093 |
| Net charge-offs to loans | 0.1217% | 639 |
| Credit loss provision to net charge-offs | 29.4118% | 1,704 |
| Earnings coverage of net charge-offs (x) | 28.1088% | 1,344 |
| Efficiency ratio | 74.9127% | 1,168 |
| Assets per employee ($millions) | 4.2249% | 4,312 |
| Cash dividends to net income (ytd only)* | 72.0461% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5709% | 254 |
| Loan loss allowance to noncurrent loans | 459.0020% | 1,363 |
| Noncurrent assets plus other real estate owned to assets | 0.2910% | 2,470 |
| Noncurrent loans to loans | 0.5601% | 1,996 |
| Net loans and leases to total assets | 43.5292% | 4,073 |
| Net loans and leases to deposits | 51.5664% | 4,017 |
| Net loans and leases to core deposits | 52.7326% | 4,096 |
| Total domestic deposits to total assets | 84.4139% | 3,305 |
| Equity capital to assets | 15.0103% | 523 |
| Core capital (leverage) ratio | 14.4976% | 535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4393% | 406 |
| Memoranda: | ||
| Average total assets | $1,216,798,333 | 825 |
| Average earning assets | $1,108,766,667 | 829 |
| Average equity | $184,834,667 | 584 |
| Average total loans | $558,700,000 | 1,097 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6244% | 4,551 |
| Cost of funding earning assets | 0.1249% | 4,496 |
| Net interest margin | 2.4995% | 4,299 |
| Noninterest income to average assets | 4.1680% | 138 |
| Noninterest expense to average assets | 4.8693% | 181 |
| Loan and lease loss provision to assets | 0.0330% | 2,337 |
| Net operating income to assets | 1.1661% | 2,276 |
| Return on assets (ROA) | 1.1414% | 2,420 |
| Pretax return on assets | 1.5389% | 1,888 |
| Return on Equity (ROE) | 7.4691% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.4691% | 2,427 |
| Net charge-offs to loans | 0.1368% | 549 |
| Credit loss provision to net charge-offs | 51.8135% | 1,303 |
| Earnings coverage of net charge-offs (x) | 25.1813% | 1,160 |
| Efficiency ratio | 75.2306% | 1,202 |
| Assets per employee ($millions) | 4.1650% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6040% | 227 |
| Loan loss allowance to noncurrent loans | 508.0386% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 2,825 |
| Noncurrent loans to loans | 0.5126% | 2,323 |
| Net loans and leases to total assets | 42.5660% | 4,196 |
| Net loans and leases to deposits | 50.3345% | 4,139 |
| Net loans and leases to core deposits | 51.5722% | 4,215 |
| Total domestic deposits to total assets | 84.5662% | 3,259 |
| Equity capital to assets | 14.8695% | 514 |
| Core capital (leverage) ratio | 15.0439% | 473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.6695% | 334 |
| Memoranda: | ||
| Average total assets | $1,212,582,000 | 814 |
| Average earning assets | $1,117,964,500 | 816 |
| Average equity | $185,296,500 | 580 |
| Average total loans | $564,347,000 | 1,095 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3157% | 4,308 |
| Cost of funding earning assets | 0.2542% | 4,358 |
| Net interest margin | 3.0615% | 3,726 |
| Noninterest income to average assets | 3.7071% | 146 |
| Noninterest expense to average assets | 5.0915% | 186 |
| Loan and lease loss provision to assets | 0.4214% | 708 |
| Net operating income to assets | 0.6637% | 3,545 |
| Return on assets (ROA) | 1.5514% | 772 |
| Pretax return on assets | 2.0978% | 362 |
| Return on Equity (ROE) | 9.4729% | 2,208 |
| Retained earnings to average equity (ytd only) | -1.2491% | 4,657 |
| Net charge-offs to loans | 0.1019% | 1,454 |
| Credit loss provision to net charge-offs | 706.9219% | 988 |
| Earnings coverage of net charge-offs (x) | 23.4094% | 1,803 |
| Efficiency ratio | 78.4868% | 999 |
| Assets per employee ($millions) | 3.8295% | 4,483 |
| Cash dividends to net income (ytd only)* | 113.1862% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4567% | 278 |
| Loan loss allowance to noncurrent loans | 282.3077% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 2,139 |
| Noncurrent loans to loans | 0.8702% | 1,626 |
| Net loans and leases to total assets | 48.3386% | 3,949 |
| Net loans and leases to deposits | 57.5234% | 3,916 |
| Net loans and leases to core deposits | 59.1075% | 3,997 |
| Total domestic deposits to total assets | 84.0329% | 3,097 |
| Equity capital to assets | 15.7187% | 461 |
| Core capital (leverage) ratio | 15.2021% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9058% | 323 |
| Memoranda: | ||
| Average total assets | $1,138,961,400 | 785 |
| Average earning assets | $1,034,192,800 | 797 |
| Average equity | $186,531,400 | 540 |
| Average total loans | $666,448,200 | 905 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4611% | 4,271 |
| Cost of funding earning assets | 0.2767% | 4,407 |
| Net interest margin | 3.1845% | 3,532 |
| Noninterest income to average assets | 3.6018% | 149 |
| Noninterest expense to average assets | 4.9970% | 189 |
| Loan and lease loss provision to assets | 0.5193% | 553 |
| Net operating income to assets | 0.6453% | 3,643 |
| Return on assets (ROA) | 1.8398% | 459 |
| Pretax return on assets | 2.4529% | 228 |
| Return on Equity (ROE) | 11.1177% | 1,641 |
| Retained earnings to average equity (ytd only) | -3.1449% | 4,780 |
| Net charge-offs to loans | 0.0834% | 1,476 |
| Credit loss provision to net charge-offs | 1,023.2558% | 809 |
| Earnings coverage of net charge-offs (x) | 28.7721% | 1,624 |
| Efficiency ratio | 77.3883% | 1,098 |
| Assets per employee ($millions) | 3.7309% | 4,534 |
| Cash dividends to net income (ytd only)* | 128.2874% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1229% | 402 |
| Loan loss allowance to noncurrent loans | 319.6118% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 2,132 |
| Noncurrent loans to loans | 0.6642% | 2,126 |
| Net loans and leases to total assets | 55.9121% | 3,630 |
| Net loans and leases to deposits | 66.7960% | 3,557 |
| Net loans and leases to core deposits | 68.7015% | 3,718 |
| Total domestic deposits to total assets | 83.7058% | 2,924 |
| Equity capital to assets | 15.6135% | 524 |
| Core capital (leverage) ratio | 14.9519% | 550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4616% | 487 |
| Memoranda: | ||
| Average total assets | $1,129,785,250 | 785 |
| Average earning assets | $1,013,018,000 | 799 |
| Average equity | $186,964,500 | 533 |
| Average total loans | $687,407,000 | 874 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5775% | 4,299 |
| Cost of funding earning assets | 0.2950% | 4,499 |
| Net interest margin | 3.2825% | 3,429 |
| Noninterest income to average assets | 3.5441% | 136 |
| Noninterest expense to average assets | 5.0546% | 184 |
| Loan and lease loss provision to assets | 0.5192% | 664 |
| Net operating income to assets | 0.7012% | 3,390 |
| Return on assets (ROA) | 0.7193% | 3,429 |
| Pretax return on assets | 0.9478% | 3,186 |
| Return on Equity (ROE) | 4.2629% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.2629% | 2,794 |
| Net charge-offs to loans | 0.0807% | 1,440 |
| Credit loss provision to net charge-offs | 1,035.7143% | 773 |
| Earnings coverage of net charge-offs (x) | 28.8071% | 1,463 |
| Efficiency ratio | 77.7790% | 1,073 |
| Assets per employee ($millions) | 3.3280% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9254% | 502 |
| Loan loss allowance to noncurrent loans | 350.4376% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 2,502 |
| Noncurrent loans to loans | 0.5494% | 2,521 |
| Net loans and leases to total assets | 55.7072% | 3,716 |
| Net loans and leases to deposits | 67.1143% | 3,635 |
| Net loans and leases to core deposits | 69.1063% | 3,775 |
| Total domestic deposits to total assets | 83.0035% | 3,084 |
| Equity capital to assets | 16.2959% | 433 |
| Core capital (leverage) ratio | 16.0579% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8103% | 410 |
| Memoranda: | ||
| Average total assets | $1,117,121,333 | 778 |
| Average earning assets | $1,005,513,667 | 781 |
| Average equity | $188,509,000 | 527 |
| Average total loans | $694,179,000 | 865 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8713% | 4,094 |
| Cost of funding earning assets | 0.3163% | 4,606 |
| Net interest margin | 3.5550% | 2,805 |
| Noninterest income to average assets | 3.9341% | 111 |
| Noninterest expense to average assets | 5.2450% | 195 |
| Loan and lease loss provision to assets | 0.5138% | 570 |
| Net operating income to assets | 1.0608% | 1,965 |
| Return on assets (ROA) | 1.0852% | 1,989 |
| Pretax return on assets | 1.4353% | 1,468 |
| Return on Equity (ROE) | 6.3146% | 3,200 |
| Retained earnings to average equity (ytd only) | 6.3146% | 1,769 |
| Net charge-offs to loans | 0.1349% | 919 |
| Credit loss provision to net charge-offs | 585.7741% | 805 |
| Earnings coverage of net charge-offs (x) | 21.8703% | 1,379 |
| Efficiency ratio | 73.2210% | 1,914 |
| Assets per employee ($millions) | 2.9961% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6230% | 1,011 |
| Loan loss allowance to noncurrent loans | 279.7930% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5350% | 2,387 |
| Noncurrent loans to loans | 0.5801% | 2,551 |
| Net loans and leases to total assets | 62.2478% | 3,275 |
| Net loans and leases to deposits | 75.7184% | 3,097 |
| Net loans and leases to core deposits | 78.1829% | 3,344 |
| Total domestic deposits to total assets | 82.2095% | 3,359 |
| Equity capital to assets | 17.2200% | 418 |
| Core capital (leverage) ratio | 16.8478% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.6125% | 521 |
| Memoranda: | ||
| Average total assets | $1,089,947,000 | 766 |
| Average earning assets | $990,043,000 | 763 |
| Average equity | $187,312,500 | 524 |
| Average total loans | $708,566,000 | 829 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0702% | 4,104 |
| Cost of funding earning assets | 0.3187% | 4,686 |
| Net interest margin | 3.7515% | 2,658 |
| Noninterest income to average assets | 4.5335% | 99 |
| Noninterest expense to average assets | 5.5182% | 160 |
| Loan and lease loss provision to assets | 0.3310% | 478 |
| Net operating income to assets | 1.5043% | 1,040 |
| Return on assets (ROA) | 1.5150% | 1,079 |
| Pretax return on assets | 2.0835% | 496 |
| Return on Equity (ROE) | 8.4752% | 2,953 |
| Retained earnings to average equity (ytd only) | -6.7442% | 5,024 |
| Net charge-offs to loans | 0.4510% | 417 |
| Credit loss provision to net charge-offs | 117.6281% | 2,149 |
| Earnings coverage of net charge-offs (x) | 8.5321% | 2,767 |
| Efficiency ratio | 69.6819% | 2,222 |
| Assets per employee ($millions) | 3.1230% | 4,753 |
| Cash dividends to net income (ytd only)* | 179.5762% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 1,452 |
| Loan loss allowance to noncurrent loans | 111.3028% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.0252% | 1,214 |
| Noncurrent loans to loans | 1.2761% | 1,179 |
| Net loans and leases to total assets | 65.8455% | 2,969 |
| Net loans and leases to deposits | 80.3418% | 2,736 |
| Net loans and leases to core deposits | 83.4477% | 3,002 |
| Total domestic deposits to total assets | 81.9567% | 3,520 |
| Equity capital to assets | 17.1499% | 453 |
| Core capital (leverage) ratio | 16.4507% | 467 |
| Tier 1 risk-based capital ratio | 21.5762% | 1,074 |
| Total risk-based capital ratio | 22.8268% | 1,050 |
| Memoranda: | ||
| Average total assets | $1,102,700,200 | 722 |
| Average earning assets | $995,159,400 | 730 |
| Average equity | $197,117,200 | 479 |
| Average total loans | $688,056,600 | 818 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 4,165 |
| Cost of funding earning assets | 0.3135% | 4,765 |
| Net interest margin | 3.7807% | 2,654 |
| Noninterest income to average assets | 4.5559% | 102 |
| Noninterest expense to average assets | 5.3955% | 170 |
| Loan and lease loss provision to assets | 0.0481% | 2,931 |
| Net operating income to assets | 1.8237% | 583 |
| Return on assets (ROA) | 1.8237% | 618 |
| Pretax return on assets | 2.4924% | 252 |
| Return on Equity (ROE) | 10.1028% | 2,387 |
| Retained earnings to average equity (ytd only) | 6.7751% | 1,967 |
| Net charge-offs to loans | -0.2452% | 5,136 |
| Credit loss provision to net charge-offs | -31.9489% | 3,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9878% | 2,423 |
| Assets per employee ($millions) | 3.0934% | 4,841 |
| Cash dividends to net income (ytd only)* | 32.9381% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5796% | 1,033 |
| Loan loss allowance to noncurrent loans | 81.4844% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.4000% | 834 |
| Noncurrent loans to loans | 1.9385% | 715 |
| Net loans and leases to total assets | 62.6862% | 3,423 |
| Net loans and leases to deposits | 77.7279% | 3,128 |
| Net loans and leases to core deposits | 80.6242% | 3,341 |
| Total domestic deposits to total assets | 80.6483% | 3,838 |
| Equity capital to assets | 18.4956% | 350 |
| Core capital (leverage) ratio | 18.3701% | 324 |
| Tier 1 risk-based capital ratio | 24.3319% | 816 |
| Total risk-based capital ratio | 25.5870% | 802 |
| Memoranda: | ||
| Average total assets | $1,109,795,250 | 716 |
| Average earning assets | $992,174,500 | 734 |
| Average equity | $200,335,250 | 477 |
| Average total loans | $680,675,000 | 829 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0550% | 4,265 |
| Cost of funding earning assets | 0.3005% | 4,829 |
| Net interest margin | 3.7545% | 2,738 |
| Noninterest income to average assets | 4.5597% | 103 |
| Noninterest expense to average assets | 5.2856% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9464% | 427 |
| Return on assets (ROA) | 1.9464% | 448 |
| Pretax return on assets | 2.6487% | 198 |
| Return on Equity (ROE) | 10.8730% | 2,031 |
| Retained earnings to average equity (ytd only) | 5.8195% | 2,361 |
| Net charge-offs to loans | -0.4525% | 5,217 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6165% | 2,727 |
| Assets per employee ($millions) | 3.1253% | 4,824 |
| Cash dividends to net income (ytd only)* | 46.4770% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6689% | 874 |
| Loan loss allowance to noncurrent loans | 77.6440% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 1.4465% | 793 |
| Noncurrent loans to loans | 2.1494% | 633 |
| Net loans and leases to total assets | 58.6017% | 3,857 |
| Net loans and leases to deposits | 72.3483% | 3,658 |
| Net loans and leases to core deposits | 74.9800% | 3,821 |
| Total domestic deposits to total assets | 80.9994% | 3,815 |
| Equity capital to assets | 18.1126% | 368 |
| Core capital (leverage) ratio | 17.9755% | 346 |
| Tier 1 risk-based capital ratio | 24.6355% | 791 |
| Total risk-based capital ratio | 25.8890% | 768 |
| Memoranda: | ||
| Average total assets | $1,105,428,330 | 721 |
| Average earning assets | $993,594,000 | 730 |
| Average equity | $197,885,000 | 475 |
| Average total loans | $669,167,330 | 843 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0221% | 4,325 |
| Cost of funding earning assets | 0.2804% | 4,898 |
| Net interest margin | 3.7417% | 2,739 |
| Noninterest income to average assets | 4.4628% | 100 |
| Noninterest expense to average assets | 5.3404% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8444% | 515 |
| Return on assets (ROA) | 1.8444% | 527 |
| Pretax return on assets | 2.5233% | 233 |
| Return on Equity (ROE) | 10.3659% | 2,212 |
| Retained earnings to average equity (ytd only) | 0.1209% | 4,502 |
| Net charge-offs to loans | -0.8371% | 5,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9123% | 2,654 |
| Assets per employee ($millions) | 3.1816% | 4,846 |
| Cash dividends to net income (ytd only)* | 98.8338% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 877 |
| Loan loss allowance to noncurrent loans | 70.0000% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 1.5793% | 735 |
| Noncurrent loans to loans | 2.4142% | 554 |
| Net loans and leases to total assets | 57.5407% | 3,934 |
| Net loans and leases to deposits | 70.4632% | 3,736 |
| Net loans and leases to core deposits | 72.8312% | 3,881 |
| Total domestic deposits to total assets | 81.6606% | 3,811 |
| Equity capital to assets | 17.5375% | 387 |
| Core capital (leverage) ratio | 17.6287% | 357 |
| Tier 1 risk-based capital ratio | 24.1460% | 831 |
| Total risk-based capital ratio | 25.3987% | 813 |
| Memoranda: | ||
| Average total assets | $1,097,149,500 | 725 |
| Average earning assets | $997,182,000 | 731 |
| Average equity | $195,217,000 | 479 |
| Average total loans | $669,420,000 | 844 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 3,863 |
| Cost of funding earning assets | 0.1907% | 5,039 |
| Net interest margin | 3.8728% | 2,418 |
| Noninterest income to average assets | 4.2457% | 105 |
| Noninterest expense to average assets | 5.4695% | 157 |
| Loan and lease loss provision to assets | 0.1111% | 1,985 |
| Net operating income to assets | 1.5818% | 920 |
| Return on assets (ROA) | 1.5818% | 911 |
| Pretax return on assets | 2.2255% | 338 |
| Return on Equity (ROE) | 8.7299% | 3,131 |
| Retained earnings to average equity (ytd only) | -1.4889% | 5,099 |
| Net charge-offs to loans | 0.5663% | 305 |
| Credit loss provision to net charge-offs | 31.6039% | 3,341 |
| Earnings coverage of net charge-offs (x) | 6.6468% | 3,067 |
| Efficiency ratio | 70.0674% | 2,177 |
| Assets per employee ($millions) | 3.5446% | 4,500 |
| Cash dividends to net income (ytd only)* | 117.0549% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 1,606 |
| Loan loss allowance to noncurrent loans | 45.3157% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 2.2135% | 388 |
| Noncurrent loans to loans | 3.1062% | 317 |
| Net loans and leases to total assets | 62.6943% | 3,496 |
| Net loans and leases to deposits | 77.4281% | 3,237 |
| Net loans and leases to core deposits | 79.9772% | 3,430 |
| Total domestic deposits to total assets | 80.9710% | 3,894 |
| Equity capital to assets | 18.0580% | 338 |
| Core capital (leverage) ratio | 17.9050% | 338 |
| Tier 1 risk-based capital ratio | 23.8299% | 839 |
| Total risk-based capital ratio | 25.0801% | 822 |
| Memoranda: | ||
| Average total assets | $1,080,141,000 | 709 |
| Average earning assets | $992,965,800 | 714 |
| Average equity | $195,717,600 | 460 |
| Average total loans | $670,550,000 | 820 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7221% | 4,614 |
| Cost of funding earning assets | 0.1814% | 5,088 |
| Net interest margin | 3.5407% | 3,554 |
| Noninterest income to average assets | 4.3143% | 107 |
| Noninterest expense to average assets | 5.3776% | 169 |
| Loan and lease loss provision to assets | 0.0617% | 2,743 |
| Net operating income to assets | 1.5392% | 1,097 |
| Return on assets (ROA) | 1.5392% | 1,094 |
| Pretax return on assets | 2.1138% | 472 |
| Return on Equity (ROE) | 8.4875% | 3,337 |
| Retained earnings to average equity (ytd only) | -1.7163% | 5,178 |
| Net charge-offs to loans | 0.1248% | 1,267 |
| Credit loss provision to net charge-offs | 80.1282% | 2,525 |
| Earnings coverage of net charge-offs (x) | 28.2612% | 1,672 |
| Efficiency ratio | 71.1969% | 2,006 |
| Assets per employee ($millions) | 3.0374% | 5,013 |
| Cash dividends to net income (ytd only)* | 120.2212% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7655% | 776 |
| Loan loss allowance to noncurrent loans | 72.7284% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.8086% | 639 |
| Noncurrent loans to loans | 2.4275% | 549 |
| Net loans and leases to total assets | 62.5322% | 3,596 |
| Net loans and leases to deposits | 76.9950% | 3,325 |
| Net loans and leases to core deposits | 78.8013% | 3,586 |
| Total domestic deposits to total assets | 81.2159% | 3,813 |
| Equity capital to assets | 17.9809% | 337 |
| Core capital (leverage) ratio | 17.9079% | 337 |
| Tier 1 risk-based capital ratio | 23.7074% | 869 |
| Total risk-based capital ratio | 24.9614% | 855 |
| Memoranda: | ||
| Average total assets | $1,080,783,750 | 708 |
| Average earning assets | $988,631,250 | 713 |
| Average equity | $196,000,000 | 458 |
| Average total loans | $666,882,500 | 826 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5592% | 4,837 |
| Cost of funding earning assets | 0.1698% | 5,156 |
| Net interest margin | 3.3894% | 3,986 |
| Noninterest income to average assets | 4.2847% | 113 |
| Noninterest expense to average assets | 5.2982% | 180 |
| Loan and lease loss provision to assets | 0.0925% | 2,067 |
| Net operating income to assets | 1.4963% | 1,173 |
| Return on assets (ROA) | 1.4963% | 1,165 |
| Pretax return on assets | 2.0458% | 548 |
| Return on Equity (ROE) | 8.2275% | 3,407 |
| Retained earnings to average equity (ytd only) | -1.9400% | 5,142 |
| Net charge-offs to loans | 0.1269% | 1,164 |
| Credit loss provision to net charge-offs | 119.3317% | 1,807 |
| Earnings coverage of net charge-offs (x) | 27.5990% | 1,576 |
| Efficiency ratio | 71.2460% | 2,123 |
| Assets per employee ($millions) | 2.9582% | 5,124 |
| Cash dividends to net income (ytd only)* | 123.5788% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8542% | 685 |
| Loan loss allowance to noncurrent loans | 66.7046% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.9812% | 547 |
| Noncurrent loans to loans | 2.7797% | 436 |
| Net loans and leases to total assets | 60.4110% | 3,771 |
| Net loans and leases to deposits | 74.5179% | 3,486 |
| Net loans and leases to core deposits | 76.2892% | 3,723 |
| Total domestic deposits to total assets | 81.0690% | 3,975 |
| Equity capital to assets | 18.0467% | 322 |
| Core capital (leverage) ratio | 17.9002% | 318 |
| Tier 1 risk-based capital ratio | 24.5144% | 786 |
| Total risk-based capital ratio | 25.7695% | 761 |
| Memoranda: | ||
| Average total assets | $1,081,619,000 | 709 |
| Average earning assets | $1,005,777,330 | 698 |
| Average equity | $196,705,330 | 455 |
| Average total loans | $660,380,330 | 835 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5175% | 4,850 |
| Cost of funding earning assets | 0.1668% | 5,178 |
| Net interest margin | 3.3507% | 4,049 |
| Noninterest income to average assets | 4.4014% | 105 |
| Noninterest expense to average assets | 5.2461% | 190 |
| Loan and lease loss provision to assets | 0.0739% | 2,288 |
| Net operating income to assets | 1.6047% | 851 |
| Return on assets (ROA) | 1.6047% | 851 |
| Pretax return on assets | 2.1922% | 388 |
| Return on Equity (ROE) | 8.7902% | 3,013 |
| Retained earnings to average equity (ytd only) | -1.3298% | 4,945 |
| Net charge-offs to loans | 0.1398% | 976 |
| Credit loss provision to net charge-offs | 86.9565% | 1,687 |
| Earnings coverage of net charge-offs (x) | 26.6652% | 1,317 |
| Efficiency ratio | 69.8342% | 2,509 |
| Assets per employee ($millions) | 3.0174% | 5,139 |
| Cash dividends to net income (ytd only)* | 115.1278% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8747% | 693 |
| Loan loss allowance to noncurrent loans | 65.9288% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.0189% | 562 |
| Noncurrent loans to loans | 2.8435% | 438 |
| Net loans and leases to total assets | 58.3574% | 3,908 |
| Net loans and leases to deposits | 71.9065% | 3,613 |
| Net loans and leases to core deposits | 74.0999% | 3,819 |
| Total domestic deposits to total assets | 81.1573% | 4,161 |
| Equity capital to assets | 17.9601% | 318 |
| Core capital (leverage) ratio | 17.8657% | 315 |
| Tier 1 risk-based capital ratio | 24.4952% | 796 |
| Total risk-based capital ratio | 25.7502% | 773 |
| Memoranda: | ||
| Average total assets | $1,082,559,500 | 706 |
| Average earning assets | $1,005,046,000 | 701 |
| Average equity | $197,629,500 | 455 |
| Average total loans | $658,269,000 | 834 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5615% | 4,660 |
| Cost of funding earning assets | 0.1555% | 5,230 |
| Net interest margin | 3.4060% | 3,834 |
| Noninterest income to average assets | 4.3806% | 123 |
| Noninterest expense to average assets | 5.7260% | 160 |
| Loan and lease loss provision to assets | 0.0278% | 3,723 |
| Net operating income to assets | 0.6248% | 3,911 |
| Return on assets (ROA) | 0.6248% | 3,950 |
| Pretax return on assets | 1.7198% | 961 |
| Return on Equity (ROE) | 3.2389% | 4,761 |
| Retained earnings to average equity (ytd only) | -11.1584% | 5,549 |
| Net charge-offs to loans | 0.1580% | 1,543 |
| Credit loss provision to net charge-offs | 29.3542% | 3,542 |
| Earnings coverage of net charge-offs (x) | 18.4697% | 2,075 |
| Efficiency ratio | 76.6163% | 1,531 |
| Assets per employee ($millions) | 2.9229% | 5,252 |
| Cash dividends to net income (ytd only)* | 444.5103% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 723 |
| Loan loss allowance to noncurrent loans | 60.3470% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 2.2439% | 451 |
| Noncurrent loans to loans | 3.0500% | 361 |
| Net loans and leases to total assets | 61.0287% | 3,729 |
| Net loans and leases to deposits | 75.8115% | 3,347 |
| Net loans and leases to core deposits | 78.2149% | 3,572 |
| Total domestic deposits to total assets | 80.5006% | 4,251 |
| Equity capital to assets | 18.5585% | 276 |
| Core capital (leverage) ratio | 17.5112% | 329 |
| Tier 1 risk-based capital ratio | 23.8207% | 831 |
| Total risk-based capital ratio | 25.0798% | 812 |
| Memoranda: | ||
| Average total assets | $1,080,100,800 | 687 |
| Average earning assets | $980,854,600 | 694 |
| Average equity | $208,371,600 | 426 |
| Average total loans | $646,987,200 | 813 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5825% | 4,604 |
| Cost of funding earning assets | 0.1498% | 5,313 |
| Net interest margin | 3.4327% | 3,728 |
| Noninterest income to average assets | 4.4253% | 130 |
| Noninterest expense to average assets | 5.7424% | 168 |
| Loan and lease loss provision to assets | 0.0985% | 2,140 |
| Net operating income to assets | 1.0167% | 2,487 |
| Return on assets (ROA) | 1.0167% | 2,521 |
| Pretax return on assets | 1.6865% | 1,159 |
| Return on Equity (ROE) | 5.2211% | 4,435 |
| Retained earnings to average equity (ytd only) | -10.5890% | 5,616 |
| Net charge-offs to loans | 0.1457% | 1,373 |
| Credit loss provision to net charge-offs | 113.9601% | 2,089 |
| Earnings coverage of net charge-offs (x) | 20.6481% | 1,941 |
| Efficiency ratio | 76.2863% | 1,548 |
| Assets per employee ($millions) | 2.7287% | 5,422 |
| Cash dividends to net income (ytd only)* | 302.8102% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9240% | 668 |
| Loan loss allowance to noncurrent loans | 60.7394% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 2.4425% | 454 |
| Noncurrent loans to loans | 3.1676% | 375 |
| Net loans and leases to total assets | 62.0894% | 3,643 |
| Net loans and leases to deposits | 77.6907% | 3,197 |
| Net loans and leases to core deposits | 78.7785% | 3,560 |
| Total domestic deposits to total assets | 79.9187% | 4,331 |
| Equity capital to assets | 19.1952% | 264 |
| Core capital (leverage) ratio | 17.8924% | 308 |
| Tier 1 risk-based capital ratio | 23.5093% | 896 |
| Total risk-based capital ratio | 24.7719% | 879 |
| Memoranda: | ||
| Average total assets | $1,082,678,500 | 688 |
| Average earning assets | $978,401,500 | 698 |
| Average equity | $210,830,250 | 421 |
| Average total loans | $642,453,750 | 820 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3317% | 5,058 |
| Cost of funding earning assets | 0.1482% | 5,349 |
| Net interest margin | 3.1836% | 4,467 |
| Noninterest income to average assets | 4.3462% | 130 |
| Noninterest expense to average assets | 5.8607% | 162 |
| Loan and lease loss provision to assets | 0.0552% | 2,871 |
| Net operating income to assets | 0.7784% | 3,495 |
| Return on assets (ROA) | 0.7784% | 3,548 |
| Pretax return on assets | 1.2947% | 2,406 |
| Return on Equity (ROE) | 3.9785% | 4,835 |
| Retained earnings to average equity (ytd only) | -14.8458% | 5,701 |
| Net charge-offs to loans | 0.1790% | 1,105 |
| Credit loss provision to net charge-offs | 53.1915% | 2,529 |
| Earnings coverage of net charge-offs (x) | 12.9982% | 2,158 |
| Efficiency ratio | 81.2784% | 1,080 |
| Assets per employee ($millions) | 2.5119% | 5,545 |
| Cash dividends to net income (ytd only)* | 473.1488% | 26 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0524% | 549 |
| Loan loss allowance to noncurrent loans | 60.7714% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.9197% | 321 |
| Noncurrent loans to loans | 3.3773% | 354 |
| Net loans and leases to total assets | 56.6390% | 4,162 |
| Net loans and leases to deposits | 71.0801% | 3,820 |
| Net loans and leases to core deposits | 72.0018% | 4,093 |
| Total domestic deposits to total assets | 79.6834% | 4,485 |
| Equity capital to assets | 19.3706% | 248 |
| Core capital (leverage) ratio | 17.5943% | 321 |
| Tier 1 risk-based capital ratio | 25.2422% | 725 |
| Total risk-based capital ratio | 26.5065% | 712 |
| Memoranda: | ||
| Average total assets | $1,086,110,670 | 688 |
| Average earning assets | $977,267,330 | 702 |
| Average equity | $212,491,670 | 420 |
| Average total loans | $630,305,670 | 836 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2952% | 5,110 |
| Cost of funding earning assets | 0.1496% | 5,377 |
| Net interest margin | 3.1456% | 4,515 |
| Noninterest income to average assets | 4.7651% | 123 |
| Noninterest expense to average assets | 5.9109% | 169 |
| Loan and lease loss provision to assets | 0.1097% | 1,747 |
| Net operating income to assets | 0.9443% | 2,545 |
| Return on assets (ROA) | 0.9443% | 2,604 |
| Pretax return on assets | 1.5658% | 1,324 |
| Return on Equity (ROE) | 4.8034% | 4,478 |
| Retained earnings to average equity (ytd only) | -23.0911% | 5,759 |
| Net charge-offs to loans | 0.1547% | 1,037 |
| Credit loss provision to net charge-offs | 121.9512% | 1,381 |
| Earnings coverage of net charge-offs (x) | 18.6301% | 1,560 |
| Efficiency ratio | 77.9143% | 1,641 |
| Assets per employee ($millions) | 2.4366% | 5,646 |
| Cash dividends to net income (ytd only)* | 580.7201% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0483% | 612 |
| Loan loss allowance to noncurrent loans | 64.7372% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 3.3393% | 266 |
| Noncurrent loans to loans | 3.1641% | 408 |
| Net loans and leases to total assets | 56.7747% | 4,091 |
| Net loans and leases to deposits | 71.0253% | 3,694 |
| Net loans and leases to core deposits | 71.8225% | 3,997 |
| Total domestic deposits to total assets | 79.9359% | 4,629 |
| Equity capital to assets | 19.1234% | 241 |
| Core capital (leverage) ratio | 17.8150% | 300 |
| Tier 1 risk-based capital ratio | 24.2349% | 843 |
| Total risk-based capital ratio | 25.4972% | 822 |
| Memoranda: | ||
| Average total assets | $1,094,122,000 | 685 |
| Average earning assets | $981,295,500 | 699 |
| Average equity | $215,096,000 | 420 |
| Average total loans | $636,065,000 | 829 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2688% | 5,209 |
| Cost of funding earning assets | 0.1446% | 5,455 |
| Net interest margin | 3.1242% | 4,657 |
| Noninterest income to average assets | 4.6801% | 128 |
| Noninterest expense to average assets | 6.2536% | 151 |
| Loan and lease loss provision to assets | -0.5480% | 5,883 |
| Net operating income to assets | 1.0836% | 1,967 |
| Return on assets (ROA) | 1.1512% | 1,782 |
| Pretax return on assets | 1.8430% | 703 |
| Return on Equity (ROE) | 5.2361% | 4,308 |
| Retained earnings to average equity (ytd only) | -3.3596% | 5,603 |
| Net charge-offs to loans | -0.6445% | 5,847 |
| Credit loss provision to net charge-offs | 162.9213% | 1,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9414% | 1,015 |
| Assets per employee ($millions) | 2.3429% | 5,722 |
| Cash dividends to net income (ytd only)* | 164.1632% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0365% | 612 |
| Loan loss allowance to noncurrent loans | 57.7178% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 3.5838% | 239 |
| Noncurrent loans to loans | 3.5283% | 338 |
| Net loans and leases to total assets | 57.1208% | 4,151 |
| Net loans and leases to deposits | 72.4124% | 3,671 |
| Net loans and leases to core deposits | 73.2381% | 3,986 |
| Total domestic deposits to total assets | 78.8827% | 4,820 |
| Equity capital to assets | 20.1974% | 204 |
| Core capital (leverage) ratio | 18.8676% | 238 |
| Tier 1 risk-based capital ratio | 25.3537% | 739 |
| Total risk-based capital ratio | 26.6224% | 725 |
| Memoranda: | ||
| Average total assets | $1,058,298,800 | 680 |
| Average earning assets | $935,884,200 | 705 |
| Average equity | $232,674,400 | 381 |
| Average total loans | $552,335,400 | 899 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2470% | 5,287 |
| Cost of funding earning assets | 0.1440% | 5,514 |
| Net interest margin | 3.1031% | 4,769 |
| Noninterest income to average assets | 4.8829% | 127 |
| Noninterest expense to average assets | 6.2965% | 155 |
| Loan and lease loss provision to assets | 0.0254% | 3,737 |
| Net operating income to assets | 0.7882% | 3,422 |
| Return on assets (ROA) | 0.8790% | 3,141 |
| Pretax return on assets | 1.4399% | 1,917 |
| Return on Equity (ROE) | 3.9154% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.9154% | 3,512 |
| Net charge-offs to loans | -0.7755% | 5,912 |
| Credit loss provision to net charge-offs | -6.4725% | 4,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5278% | 1,128 |
| Assets per employee ($millions) | 2.2994% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0841% | 174 |
| Loan loss allowance to noncurrent loans | 81.5792% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 4.0003% | 212 |
| Noncurrent loans to loans | 3.7805% | 315 |
| Net loans and leases to total assets | 53.4357% | 4,543 |
| Net loans and leases to deposits | 69.4200% | 4,034 |
| Net loans and leases to core deposits | 70.2117% | 4,309 |
| Total domestic deposits to total assets | 76.9746% | 5,097 |
| Equity capital to assets | 22.0569% | 163 |
| Core capital (leverage) ratio | 20.5721% | 183 |
| Tier 1 risk-based capital ratio | 28.6409% | 541 |
| Total risk-based capital ratio | 29.9274% | 531 |
| Memoranda: | ||
| Average total assets | $1,049,930,250 | 688 |
| Average earning assets | $926,073,750 | 715 |
| Average equity | $235,715,500 | 379 |
| Average total loans | $531,270,750 | 928 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2786% | 5,329 |
| Cost of funding earning assets | 0.1417% | 5,600 |
| Net interest margin | 3.1369% | 4,733 |
| Noninterest income to average assets | 4.9843% | 122 |
| Noninterest expense to average assets | 6.4328% | 153 |
| Loan and lease loss provision to assets | 0.0386% | 3,385 |
| Net operating income to assets | 0.7753% | 3,425 |
| Return on assets (ROA) | 0.7889% | 3,513 |
| Pretax return on assets | 1.2923% | 2,439 |
| Return on Equity (ROE) | 3.4926% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.4926% | 3,672 |
| Net charge-offs to loans | -1.3853% | 6,002 |
| Credit loss provision to net charge-offs | -5.6786% | 4,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9279% | 1,157 |
| Assets per employee ($millions) | 2.1294% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6215% | 110 |
| Loan loss allowance to noncurrent loans | 91.0517% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 4.1590% | 204 |
| Noncurrent loans to loans | 3.9774% | 294 |
| Net loans and leases to total assets | 48.8712% | 4,921 |
| Net loans and leases to deposits | 65.8571% | 4,359 |
| Net loans and leases to core deposits | 66.6743% | 4,559 |
| Total domestic deposits to total assets | 74.2079% | 5,499 |
| Equity capital to assets | 23.0188% | 132 |
| Core capital (leverage) ratio | 20.2736% | 187 |
| Tier 1 risk-based capital ratio | 30.7263% | 467 |
| Total risk-based capital ratio | 32.0222% | 458 |
| Memoranda: | ||
| Average total assets | $1,037,371,670 | 697 |
| Average earning assets | $912,104,000 | 726 |
| Average equity | $234,323,330 | 379 |
| Average total loans | $508,473,000 | 961 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 5,398 |
| Cost of funding earning assets | 0.1391% | 5,685 |
| Net interest margin | 3.1205% | 4,810 |
| Noninterest income to average assets | 4.8104% | 128 |
| Noninterest expense to average assets | 6.4050% | 157 |
| Loan and lease loss provision to assets | 0.0769% | 2,423 |
| Net operating income to assets | 0.6532% | 3,961 |
| Return on assets (ROA) | 0.6803% | 3,931 |
| Pretax return on assets | 1.1119% | 3,046 |
| Return on Equity (ROE) | 3.0404% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.0404% | 3,992 |
| Net charge-offs to loans | -0.7260% | 6,024 |
| Credit loss provision to net charge-offs | -21.9780% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6244% | 1,098 |
| Assets per employee ($millions) | 2.0429% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1530% | 193 |
| Loan loss allowance to noncurrent loans | 83.3623% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 4.5979% | 189 |
| Noncurrent loans to loans | 3.7823% | 334 |
| Net loans and leases to total assets | 49.2547% | 4,865 |
| Net loans and leases to deposits | 64.6931% | 4,370 |
| Net loans and leases to core deposits | 65.4872% | 4,575 |
| Total domestic deposits to total assets | 76.1359% | 5,396 |
| Equity capital to assets | 23.0361% | 131 |
| Core capital (leverage) ratio | 19.9131% | 201 |
| Tier 1 risk-based capital ratio | 30.7358% | 475 |
| Total risk-based capital ratio | 32.0259% | 467 |
| Memoranda: | ||
| Average total assets | $1,040,750,000 | 697 |
| Average earning assets | $914,216,000 | 726 |
| Average equity | $232,867,500 | 381 |
| Average total loans | $501,409,500 | 973 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4747% | 4,995 |
| Cost of funding earning assets | 0.1983% | 5,298 |
| Net interest margin | 3.2764% | 4,386 |
| Noninterest income to average assets | 5.3410% | 117 |
| Noninterest expense to average assets | 6.2601% | 168 |
| Loan and lease loss provision to assets | -0.6948% | 6,155 |
| Net operating income to assets | 1.5848% | 734 |
| Return on assets (ROA) | 1.5848% | 758 |
| Pretax return on assets | 2.6479% | 162 |
| Return on Equity (ROE) | 6.5001% | 3,781 |
| Retained earnings to average equity (ytd only) | -6.1657% | 5,962 |
| Net charge-offs to loans | -1.2715% | 6,133 |
| Credit loss provision to net charge-offs | 118.1412% | 2,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0782% | 2,259 |
| Assets per employee ($millions) | 2.0866% | 6,030 |
| Cash dividends to net income (ytd only)* | 194.8558% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1322% | 197 |
| Loan loss allowance to noncurrent loans | 487.9332% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 2.9253% | 456 |
| Noncurrent loans to loans | 0.6419% | 3,262 |
| Net loans and leases to total assets | 44.1863% | 5,272 |
| Net loans and leases to deposits | 57.3610% | 4,957 |
| Net loans and leases to core deposits | 57.9570% | 5,102 |
| Total domestic deposits to total assets | 77.0320% | 5,309 |
| Equity capital to assets | 21.7429% | 155 |
| Core capital (leverage) ratio | 19.2691% | 226 |
| Tier 1 risk-based capital ratio | 31.6952% | 439 |
| Total risk-based capital ratio | 32.9908% | 435 |
| Memoranda: | ||
| Average total assets | $1,295,283,400 | 557 |
| Average earning assets | $1,135,486,600 | 567 |
| Average equity | $315,811,400 | 290 |
| Average total loans | $599,140,600 | 777 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5760% | 4,808 |
| Cost of funding earning assets | 0.2174% | 5,211 |
| Net interest margin | 3.3586% | 4,112 |
| Noninterest income to average assets | 5.7422% | 113 |
| Noninterest expense to average assets | 6.2909% | 168 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4698% | 969 |
| Return on assets (ROA) | 1.4698% | 1,007 |
| Pretax return on assets | 2.3949% | 289 |
| Return on Equity (ROE) | 5.9027% | 4,194 |
| Retained earnings to average equity (ytd only) | 1.9454% | 4,907 |
| Net charge-offs to loans | -0.3401% | 6,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2994% | 2,827 |
| Assets per employee ($millions) | 1.8652% | 6,156 |
| Cash dividends to net income (ytd only)* | 67.0421% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5311% | 141 |
| Loan loss allowance to noncurrent loans | 521.2668% | 993 |
| Noncurrent assets plus other real estate owned to assets | 3.2481% | 432 |
| Noncurrent loans to loans | 0.6774% | 3,290 |
| Net loans and leases to total assets | 46.1675% | 5,217 |
| Net loans and leases to deposits | 66.3890% | 4,346 |
| Net loans and leases to core deposits | 67.1213% | 4,618 |
| Total domestic deposits to total assets | 69.5410% | 5,990 |
| Equity capital to assets | 23.9716% | 114 |
| Core capital (leverage) ratio | 20.8053% | 176 |
| Tier 1 risk-based capital ratio | 33.3319% | 401 |
| Total risk-based capital ratio | 34.6375% | 397 |
| Memoranda: | ||
| Average total assets | $1,353,065,500 | 530 |
| Average earning assets | $1,185,908,250 | 547 |
| Average equity | $336,919,750 | 282 |
| Average total loans | $627,572,000 | 751 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,174 |
| Cost of funding earning assets | 0.2527% | 4,909 |
| Net interest margin | 3.5184% | 3,424 |
| Noninterest income to average assets | 5.7789% | 116 |
| Noninterest expense to average assets | 6.5127% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4361% | 1,022 |
| Return on assets (ROA) | 1.4361% | 1,060 |
| Pretax return on assets | 2.3528% | 310 |
| Return on Equity (ROE) | 5.7143% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.7143% | 2,403 |
| Net charge-offs to loans | 0.0650% | 2,451 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 78.7176% | 712 |
| Efficiency ratio | 73.3444% | 2,775 |
| Assets per employee ($millions) | 1.3345% | 6,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4212% | 169 |
| Loan loss allowance to noncurrent loans | 398.1031% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 3.9237% | 343 |
| Noncurrent loans to loans | 0.8594% | 2,979 |
| Net loans and leases to total assets | 42.2314% | 5,491 |
| Net loans and leases to deposits | 60.4054% | 4,820 |
| Net loans and leases to core deposits | 61.0606% | 5,002 |
| Total domestic deposits to total assets | 69.9132% | 6,039 |
| Equity capital to assets | 23.9206% | 111 |
| Core capital (leverage) ratio | 14.9507% | 625 |
| Tier 1 risk-based capital ratio | 34.2856% | 384 |
| Total risk-based capital ratio | 35.5566% | 382 |
| Memoranda: | ||
| Average total assets | $1,445,351,000 | 497 |
| Average earning assets | $1,267,972,000 | 515 |
| Average equity | $363,231,670 | 271 |
| Average total loans | $665,080,670 | 707 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3520% | 5,323 |
| Cost of funding earning assets | 0.2308% | 5,204 |
| Net interest margin | 3.1212% | 4,878 |
| Noninterest income to average assets | 4.8588% | 132 |
| Noninterest expense to average assets | 5.5536% | 217 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2632% | 1,371 |
| Return on assets (ROA) | 1.2632% | 1,458 |
| Pretax return on assets | 2.0694% | 515 |
| Return on Equity (ROE) | 4.9670% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.9670% | 3,072 |
| Net charge-offs to loans | -0.0298% | 5,246 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7288% | 3,043 |
| Assets per employee ($millions) | 1.6263% | 6,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3319% | 208 |
| Loan loss allowance to noncurrent loans | 574.0163% | 887 |
| Noncurrent assets plus other real estate owned to assets | 3.2560% | 539 |
| Noncurrent loans to loans | 0.5804% | 3,838 |
| Net loans and leases to total assets | 47.9186% | 5,041 |
| Net loans and leases to deposits | 69.2105% | 3,839 |
| Net loans and leases to core deposits | 70.0911% | 4,144 |
| Total domestic deposits to total assets | 69.2361% | 6,159 |
| Equity capital to assets | 22.3654% | 146 |
| Core capital (leverage) ratio | 19.3888% | 230 |
| Tier 1 risk-based capital ratio | 30.5205% | 514 |
| Total risk-based capital ratio | 31.8157% | 511 |
| Memoranda: | ||
| Average total assets | $1,604,500,500 | 453 |
| Average earning assets | $1,421,003,000 | 456 |
| Average equity | $408,054,500 | 242 |
| Average total loans | $750,866,500 | 616 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1762% | 5,863 |
| Cost of funding earning assets | 0.2381% | 5,440 |
| Net interest margin | 2.9381% | 5,571 |
| Noninterest income to average assets | 6.1000% | 102 |
| Noninterest expense to average assets | 5.7432% | 206 |
| Loan and lease loss provision to assets | -0.7361% | 6,473 |
| Net operating income to assets | 2.2575% | 199 |
| Return on assets (ROA) | 2.2575% | 202 |
| Pretax return on assets | 3.6714% | 78 |
| Return on Equity (ROE) | 8.1413% | 3,052 |
| Retained earnings to average equity (ytd only) | 8.1413% | 969 |
| Net charge-offs to loans | -0.6358% | 6,420 |
| Credit loss provision to net charge-offs | 286.0548% | 889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0416% | 4,239 |
| Assets per employee ($millions) | 1.7008% | 6,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4230% | 196 |
| Loan loss allowance to noncurrent loans | 199.4095% | 2,243 |
| Noncurrent assets plus other real estate owned to assets | 3.0894% | 640 |
| Noncurrent loans to loans | 1.7166% | 1,694 |
| Net loans and leases to total assets | 42.7417% | 5,563 |
| Net loans and leases to deposits | 64.5023% | 4,476 |
| Net loans and leases to core deposits | 65.4382% | 4,714 |
| Total domestic deposits to total assets | 66.2638% | 6,320 |
| Equity capital to assets | 28.2816% | 72 |
| Core capital (leverage) ratio | 26.5576% | 81 |
| Tier 1 risk-based capital ratio | 45.2291% | 173 |
| Total risk-based capital ratio | 46.5021% | 172 |
| Memoranda: | ||
| Average total assets | $1,630,287,600 | 433 |
| Average earning assets | $1,430,764,200 | 439 |
| Average equity | $452,066,200 | 219 |
| Average total loans | $659,803,400 | 658 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1320% | 5,978 |
| Cost of funding earning assets | 0.2417% | 5,491 |
| Net interest margin | 2.8903% | 5,720 |
| Noninterest income to average assets | 6.5397% | 95 |
| Noninterest expense to average assets | 5.7885% | 198 |
| Loan and lease loss provision to assets | -0.3292% | 6,482 |
| Net operating income to assets | 2.2035% | 238 |
| Return on assets (ROA) | 2.2035% | 242 |
| Pretax return on assets | 3.6071% | 81 |
| Return on Equity (ROE) | 7.9874% | 3,214 |
| Retained earnings to average equity (ytd only) | 7.9874% | 1,367 |
| Net charge-offs to loans | -0.4183% | 6,434 |
| Credit loss provision to net charge-offs | 199.3024% | 1,272 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7123% | 4,596 |
| Assets per employee ($millions) | 1.6078% | 6,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5020% | 104 |
| Loan loss allowance to noncurrent loans | 234.0047% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 3.4400% | 630 |
| Noncurrent loans to loans | 1.9239% | 1,667 |
| Net loans and leases to total assets | 41.7495% | 5,694 |
| Net loans and leases to deposits | 64.0510% | 4,531 |
| Net loans and leases to core deposits | 65.0827% | 4,792 |
| Total domestic deposits to total assets | 65.1817% | 6,418 |
| Equity capital to assets | 29.0990% | 71 |
| Core capital (leverage) ratio | 25.8155% | 80 |
| Tier 1 risk-based capital ratio | 46.5412% | 160 |
| Total risk-based capital ratio | 47.8229% | 158 |
| Memoranda: | ||
| Average total assets | $1,619,894,500 | 435 |
| Average earning assets | $1,416,135,750 | 442 |
| Average equity | $446,875,750 | 218 |
| Average total loans | $639,777,250 | 676 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0841% | 6,079 |
| Cost of funding earning assets | 0.2405% | 5,579 |
| Net interest margin | 2.8436% | 5,830 |
| Noninterest income to average assets | 6.9963% | 89 |
| Noninterest expense to average assets | 5.7787% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2581% | 203 |
| Return on assets (ROA) | 2.2581% | 214 |
| Pretax return on assets | 3.6971% | 79 |
| Return on Equity (ROE) | 8.3332% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.3332% | 1,195 |
| Net charge-offs to loans | 0.1211% | 2,463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 80.0451% | 664 |
| Efficiency ratio | 60.8572% | 5,161 |
| Assets per employee ($millions) | 1.6348% | 6,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9751% | 90 |
| Loan loss allowance to noncurrent loans | 194.5187% | 2,188 |
| Noncurrent assets plus other real estate owned to assets | 3.7119% | 608 |
| Noncurrent loans to loans | 2.5577% | 1,209 |
| Net loans and leases to total assets | 38.8130% | 5,903 |
| Net loans and leases to deposits | 59.2434% | 4,927 |
| Net loans and leases to core deposits | 60.1764% | 5,124 |
| Total domestic deposits to total assets | 65.5146% | 6,490 |
| Equity capital to assets | 28.1290% | 70 |
| Core capital (leverage) ratio | 24.6309% | 90 |
| Tier 1 risk-based capital ratio | 46.0950% | 161 |
| Total risk-based capital ratio | 47.3809% | 161 |
| Memoranda: | ||
| Average total assets | $1,632,487,000 | 431 |
| Average earning assets | $1,423,417,330 | 440 |
| Average equity | $442,374,330 | 218 |
| Average total loans | $622,481,330 | 691 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0154% | 6,228 |
| Cost of funding earning assets | 0.2393% | 5,680 |
| Net interest margin | 2.7761% | 5,980 |
| Noninterest income to average assets | 7.7695% | 79 |
| Noninterest expense to average assets | 5.6969% | 218 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.7417% | 119 |
| Return on assets (ROA) | 2.7417% | 126 |
| Pretax return on assets | 4.4875% | 70 |
| Return on Equity (ROE) | 10.3100% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.3100% | 892 |
| Net charge-offs to loans | 0.0185% | 3,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 658.2143% | 47 |
| Efficiency ratio | 55.8204% | 5,854 |
| Assets per employee ($millions) | 1.5831% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2217% | 84 |
| Loan loss allowance to noncurrent loans | 191.9852% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 3.6983% | 681 |
| Noncurrent loans to loans | 2.7199% | 1,238 |
| Net loans and leases to total assets | 37.0646% | 6,014 |
| Net loans and leases to deposits | 55.8774% | 5,124 |
| Net loans and leases to core deposits | 56.7013% | 5,302 |
| Total domestic deposits to total assets | 66.3321% | 6,552 |
| Equity capital to assets | 27.3842% | 78 |
| Core capital (leverage) ratio | 24.0255% | 105 |
| Tier 1 risk-based capital ratio | 45.7680% | 166 |
| Total risk-based capital ratio | 47.0526% | 164 |
| Memoranda: | ||
| Average total assets | $1,642,787,500 | 431 |
| Average earning assets | $1,429,049,500 | 444 |
| Average equity | $436,858,000 | 220 |
| Average total loans | $604,533,500 | 716 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7178% | 6,535 |
| Cost of funding earning assets | 0.6327% | 2,359 |
| Net interest margin | 2.0852% | 6,627 |
| Noninterest income to average assets | 5.8217% | 113 |
| Noninterest expense to average assets | 5.9900% | 201 |
| Loan and lease loss provision to assets | -2.1480% | 6,808 |
| Net operating income to assets | 8.4157% | 26 |
| Return on assets (ROA) | 8.3251% | 26 |
| Pretax return on assets | 3.7165% | 78 |
| Return on Equity (ROE) | 40.6803% | 26 |
| Retained earnings to average equity (ytd only) | 40.6803% | 13 |
| Net charge-offs to loans | 1.8100% | 224 |
| Credit loss provision to net charge-offs | -360.3977% | 6,089 |
| Earnings coverage of net charge-offs (x) | 2.7837% | 4,075 |
| Efficiency ratio | 78.1519% | 2,447 |
| Assets per employee ($millions) | 1.6066% | 6,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7611% | 50 |
| Loan loss allowance to noncurrent loans | 267.6252% | 1,643 |
| Noncurrent assets plus other real estate owned to assets | 3.5149% | 831 |
| Noncurrent loans to loans | 2.1527% | 1,824 |
| Net loans and leases to total assets | 32.5613% | 6,360 |
| Net loans and leases to deposits | 47.9906% | 5,898 |
| Net loans and leases to core deposits | 49.0356% | 5,984 |
| Total domestic deposits to total assets | 67.8494% | 6,590 |
| Equity capital to assets | 25.8214% | 85 |
| Core capital (leverage) ratio | 23.2123% | 112 |
| Tier 1 risk-based capital ratio | 46.2436% | 157 |
| Total risk-based capital ratio | 47.5309% | 158 |
| Memoranda: | ||
| Average total assets | $1,620,120,000 | 428 |
| Average earning assets | $1,419,801,200 | 435 |
| Average equity | $331,551,000 | 255 |
| Average total loans | $533,469,800 | 796 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6058% | 6,664 |
| Cost of funding earning assets | 0.6500% | 2,360 |
| Net interest margin | 1.9559% | 6,734 |
| Noninterest income to average assets | 5.7652% | 119 |
| Noninterest expense to average assets | 6.0720% | 197 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4112% | 1,081 |
| Return on assets (ROA) | 1.4112% | 1,128 |
| Pretax return on assets | 1.4112% | 1,900 |
| Return on Equity (ROE) | 7.3963% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.3963% | 1,686 |
| Net charge-offs to loans | 2.2653% | 150 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.9163% | 4,188 |
| Efficiency ratio | 80.9795% | 1,973 |
| Assets per employee ($millions) | 1.5353% | 6,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.7202% | 4 |
| Loan loss allowance to noncurrent loans | 351.5556% | 1,203 |
| Noncurrent assets plus other real estate owned to assets | 5.1812% | 525 |
| Noncurrent loans to loans | 3.6183% | 1,032 |
| Net loans and leases to total assets | 29.8971% | 6,537 |
| Net loans and leases to deposits | 43.6631% | 6,220 |
| Net loans and leases to core deposits | 44.6597% | 6,266 |
| Total domestic deposits to total assets | 68.4722% | 6,653 |
| Equity capital to assets | 19.6251% | 229 |
| Core capital (leverage) ratio | 19.4444% | 218 |
| Tier 1 risk-based capital ratio | 42.2357% | 211 |
| Total risk-based capital ratio | 43.5929% | 211 |
| Memoranda: | ||
| Average total assets | $1,609,037,500 | 432 |
| Average earning assets | $1,413,362,250 | 438 |
| Average equity | $306,992,750 | 266 |
| Average total loans | $523,062,500 | 818 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4990% | 6,735 |
| Cost of funding earning assets | 0.6597% | 2,406 |
| Net interest margin | 1.8393% | 6,809 |
| Noninterest income to average assets | 5.3430% | 139 |
| Noninterest expense to average assets | 6.1810% | 193 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7650% | 3,493 |
| Return on assets (ROA) | 0.7650% | 3,648 |
| Pretax return on assets | 0.7650% | 4,448 |
| Return on Equity (ROE) | 4.0473% | 5,200 |
| Retained earnings to average equity (ytd only) | 4.0473% | 3,723 |
| Net charge-offs to loans | 3.0221% | 97 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.7925% | 4,263 |
| Efficiency ratio | 88.8119% | 1,147 |
| Assets per employee ($millions) | 1.5083% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.2490% | 1 |
| Loan loss allowance to noncurrent loans | 185.1351% | 2,119 |
| Noncurrent assets plus other real estate owned to assets | 7.8585% | 267 |
| Noncurrent loans to loans | 7.6966% | 276 |
| Net loans and leases to total assets | 26.8437% | 6,659 |
| Net loans and leases to deposits | 36.9556% | 6,521 |
| Net loans and leases to core deposits | 37.8042% | 6,546 |
| Total domestic deposits to total assets | 72.6376% | 6,527 |
| Equity capital to assets | 19.1263% | 251 |
| Core capital (leverage) ratio | 18.3857% | 260 |
| Tier 1 risk-based capital ratio | 41.3285% | 212 |
| Total risk-based capital ratio | 42.6904% | 211 |
| Memoranda: | ||
| Average total assets | $1,619,812,670 | 428 |
| Average earning assets | $1,411,763,000 | 435 |
| Average equity | $306,180,000 | 268 |
| Average total loans | $517,386,000 | 818 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3700% | 6,846 |
| Cost of funding earning assets | 0.6659% | 2,519 |
| Net interest margin | 1.7041% | 6,911 |
| Noninterest income to average assets | 5.1866% | 139 |
| Noninterest expense to average assets | 6.2885% | 188 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3780% | 5,219 |
| Return on assets (ROA) | 0.3780% | 5,358 |
| Pretax return on assets | 0.3780% | 5,629 |
| Return on Equity (ROE) | 2.0111% | 5,939 |
| Retained earnings to average equity (ytd only) | 2.0111% | 4,994 |
| Net charge-offs to loans | 2.3476% | 185 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4994% | 3,655 |
| Efficiency ratio | 94.1515% | 827 |
| Assets per employee ($millions) | 1.5348% | 6,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.6321% | 1 |
| Loan loss allowance to noncurrent loans | 123.9473% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 9.8716% | 199 |
| Noncurrent loans to loans | 11.8051% | 140 |
| Net loans and leases to total assets | 26.7058% | 6,709 |
| Net loans and leases to deposits | 36.6335% | 6,550 |
| Net loans and leases to core deposits | 37.5077% | 6,581 |
| Total domestic deposits to total assets | 72.9000% | 6,609 |
| Equity capital to assets | 19.0103% | 265 |
| Core capital (leverage) ratio | 17.9598% | 286 |
| Tier 1 risk-based capital ratio | 40.3567% | 223 |
| Total risk-based capital ratio | 41.7351% | 221 |
| Memoranda: | ||
| Average total assets | $1,647,640,500 | 427 |
| Average earning assets | $1,430,907,500 | 437 |
| Average equity | $309,687,000 | 270 |
| Average total loans | $531,255,500 | 789 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7676% | 6,866 |
| Cost of funding earning assets | 0.7558% | 3,045 |
| Net interest margin | 2.0118% | 6,932 |
| Noninterest income to average assets | 4.3347% | 168 |
| Noninterest expense to average assets | 5.6080% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4866% | 4,736 |
| Return on assets (ROA) | 0.4762% | 5,028 |
| Pretax return on assets | 0.3859% | 5,607 |
| Return on Equity (ROE) | 2.7369% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.7369% | 4,313 |
| Net charge-offs to loans | 2.9864% | 170 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.3792% | 5,293 |
| Efficiency ratio | 93.2114% | 846 |
| Assets per employee ($millions) | 1.6405% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0161% | 4 |
| Loan loss allowance to noncurrent loans | 96.3910% | 3,418 |
| Noncurrent assets plus other real estate owned to assets | 11.5371% | 157 |
| Noncurrent loans to loans | 14.5409% | 83 |
| Net loans and leases to total assets | 28.5292% | 6,750 |
| Net loans and leases to deposits | 38.8782% | 6,602 |
| Net loans and leases to core deposits | 39.8220% | 6,623 |
| Total domestic deposits to total assets | 73.3810% | 6,587 |
| Equity capital to assets | 18.5866% | 287 |
| Core capital (leverage) ratio | 17.7815% | 296 |
| Tier 1 risk-based capital ratio | 37.1582% | 289 |
| Total risk-based capital ratio | 38.5327% | 280 |
| Memoranda: | ||
| Average total assets | $1,734,502,800 | 395 |
| Average earning assets | $1,439,453,600 | 421 |
| Average equity | $301,802,000 | 271 |
| Average total loans | $606,990,200 | 684 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8153% | 6,967 |
| Cost of funding earning assets | 0.7774% | 3,137 |
| Net interest margin | 2.0379% | 7,026 |
| Noninterest income to average assets | 4.5729% | 160 |
| Noninterest expense to average assets | 5.5552% | 261 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7987% | 3,463 |
| Return on assets (ROA) | 0.7850% | 3,773 |
| Pretax return on assets | 0.6788% | 4,924 |
| Return on Equity (ROE) | 4.5858% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.5858% | 3,677 |
| Net charge-offs to loans | 4.0202% | 86 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.4862% | 5,074 |
| Efficiency ratio | 88.7364% | 1,132 |
| Assets per employee ($millions) | 1.6008% | 7,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0655% | 6 |
| Loan loss allowance to noncurrent loans | 57.2710% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 18.2969% | 53 |
| Noncurrent loans to loans | 24.5596% | 19 |
| Net loans and leases to total assets | 28.9009% | 6,848 |
| Net loans and leases to deposits | 40.1368% | 6,669 |
| Net loans and leases to core deposits | 41.1073% | 6,698 |
| Total domestic deposits to total assets | 72.0059% | 6,740 |
| Equity capital to assets | 19.1711% | 287 |
| Core capital (leverage) ratio | 17.7798% | 313 |
| Tier 1 risk-based capital ratio | 35.6466% | 337 |
| Total risk-based capital ratio | 37.0164% | 326 |
| Memoranda: | ||
| Average total assets | $1,751,035,000 | 393 |
| Average earning assets | $1,439,079,500 | 422 |
| Average equity | $299,729,000 | 271 |
| Average total loans | $620,347,250 | 667 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7549% | 7,060 |
| Cost of funding earning assets | 0.7908% | 3,264 |
| Net interest margin | 1.9641% | 7,117 |
| Noninterest income to average assets | 4.2710% | 168 |
| Noninterest expense to average assets | 5.4004% | 292 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5561% | 4,557 |
| Return on assets (ROA) | 0.5360% | 4,926 |
| Pretax return on assets | 0.4596% | 5,547 |
| Return on Equity (ROE) | 3.2496% | 5,584 |
| Retained earnings to average equity (ytd only) | 3.2496% | 4,449 |
| Net charge-offs to loans | 2.8612% | 213 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4661% | 4,844 |
| Efficiency ratio | 91.6564% | 947 |
| Assets per employee ($millions) | 1.6460% | 7,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0387% | 5 |
| Loan loss allowance to noncurrent loans | 54.1909% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 20.3646% | 35 |
| Noncurrent loans to loans | 25.9060% | 14 |
| Net loans and leases to total assets | 30.5853% | 6,857 |
| Net loans and leases to deposits | 41.2386% | 6,690 |
| Net loans and leases to core deposits | 42.2789% | 6,722 |
| Total domestic deposits to total assets | 74.1667% | 6,665 |
| Equity capital to assets | 17.3476% | 401 |
| Core capital (leverage) ratio | 16.9105% | 373 |
| Tier 1 risk-based capital ratio | 31.0755% | 478 |
| Total risk-based capital ratio | 32.4412% | 468 |
| Memoranda: | ||
| Average total assets | $1,792,054,670 | 391 |
| Average earning assets | $1,468,141,670 | 415 |
| Average equity | $295,605,000 | 273 |
| Average total loans | $644,626,670 | 643 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5837% | 7,159 |
| Cost of funding earning assets | 0.8183% | 3,325 |
| Net interest margin | 1.7654% | 7,211 |
| Noninterest income to average assets | 4.5170% | 149 |
| Noninterest expense to average assets | 5.3127% | 299 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7474% | 3,638 |
| Return on assets (ROA) | 0.7474% | 3,873 |
| Pretax return on assets | 0.6458% | 4,948 |
| Return on Equity (ROE) | 4.6451% | 4,961 |
| Retained earnings to average equity (ytd only) | 4.6451% | 3,784 |
| Net charge-offs to loans | 4.6545% | 112 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.3837% | 4,166 |
| Efficiency ratio | 88.9814% | 1,180 |
| Assets per employee ($millions) | 1.5916% | 7,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.8355% | 5 |
| Loan loss allowance to noncurrent loans | 45.9891% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 22.4673% | 29 |
| Noncurrent loans to loans | 30.0842% | 12 |
| Net loans and leases to total assets | 30.3818% | 6,893 |
| Net loans and leases to deposits | 40.3569% | 6,719 |
| Net loans and leases to core deposits | 41.3800% | 6,775 |
| Total domestic deposits to total assets | 75.2828% | 6,613 |
| Equity capital to assets | 16.3150% | 527 |
| Core capital (leverage) ratio | 16.2115% | 441 |
| Tier 1 risk-based capital ratio | 29.7284% | 533 |
| Total risk-based capital ratio | 31.0887% | 520 |
| Memoranda: | ||
| Average total assets | $1,822,286,000 | 383 |
| Average earning assets | $1,487,928,000 | 411 |
| Average equity | $293,213,000 | 271 |
| Average total loans | $658,887,500 | 631 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8386% | 7,213 |
| Cost of funding earning assets | 1.0407% | 3,091 |
| Net interest margin | 1.7980% | 7,257 |
| Noninterest income to average assets | 3.6499% | 172 |
| Noninterest expense to average assets | 5.6596% | 246 |
| Loan and lease loss provision to assets | 0.3488% | 2,907 |
| Net operating income to assets | -0.6873% | 6,601 |
| Return on assets (ROA) | -0.6663% | 6,626 |
| Pretax return on assets | -0.8909% | 6,687 |
| Return on Equity (ROE) | -4.2592% | 6,487 |
| Retained earnings to average equity (ytd only) | -4.2592% | 6,392 |
| Net charge-offs to loans | 7.1538% | 26 |
| Credit loss provision to net charge-offs | 10.8351% | 6,006 |
| Earnings coverage of net charge-offs (x) | -0.1771% | 5,942 |
| Efficiency ratio | 110.9486% | 421 |
| Assets per employee ($millions) | 1.7003% | 7,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0472% | 4 |
| Loan loss allowance to noncurrent loans | 42.7486% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 24.5881% | 23 |
| Noncurrent loans to loans | 32.8600% | 10 |
| Net loans and leases to total assets | 31.8345% | 6,947 |
| Net loans and leases to deposits | 42.2098% | 6,794 |
| Net loans and leases to core deposits | 43.2137% | 6,843 |
| Total domestic deposits to total assets | 75.4197% | 6,547 |
| Equity capital to assets | 15.8700% | 598 |
| Core capital (leverage) ratio | 15.0717% | 590 |
| Tier 1 risk-based capital ratio | 28.2104% | 609 |
| Total risk-based capital ratio | 29.5755% | 595 |
| Memoranda: | ||
| Average total assets | $1,949,497,800 | 356 |
| Average earning assets | $1,560,827,800 | 383 |
| Average equity | $304,959,800 | 264 |
| Average total loans | $877,276,200 | 480 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8145% | 7,303 |
| Cost of funding earning assets | 1.0739% | 3,154 |
| Net interest margin | 1.7405% | 7,344 |
| Noninterest income to average assets | 4.8175% | 130 |
| Noninterest expense to average assets | 5.5148% | 258 |
| Loan and lease loss provision to assets | 0.4249% | 2,345 |
| Net operating income to assets | 0.4832% | 4,610 |
| Return on assets (ROA) | 0.4902% | 4,771 |
| Pretax return on assets | 0.2735% | 5,763 |
| Return on Equity (ROE) | 3.1445% | 5,360 |
| Retained earnings to average equity (ytd only) | 3.1445% | 4,458 |
| Net charge-offs to loans | 7.2278% | 30 |
| Credit loss provision to net charge-offs | 12.5468% | 5,643 |
| Earnings coverage of net charge-offs (x) | 0.2042% | 5,444 |
| Efficiency ratio | 88.6386% | 1,280 |
| Assets per employee ($millions) | 1.8443% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.0774% | 6 |
| Loan loss allowance to noncurrent loans | 34.4635% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 28.6186% | 11 |
| Noncurrent loans to loans | 40.8471% | 4 |
| Net loans and leases to total assets | 32.7787% | 7,001 |
| Net loans and leases to deposits | 42.8756% | 6,879 |
| Net loans and leases to core deposits | 43.9703% | 6,922 |
| Total domestic deposits to total assets | 76.4507% | 6,466 |
| Equity capital to assets | 15.5603% | 711 |
| Core capital (leverage) ratio | 15.4354% | 585 |
| Tier 1 risk-based capital ratio | 28.4158% | 628 |
| Total risk-based capital ratio | 29.7880% | 610 |
| Memoranda: | ||
| Average total assets | $1,976,941,750 | 354 |
| Average earning assets | $1,577,323,250 | 378 |
| Average equity | $308,208,750 | 261 |
| Average total loans | $926,250,000 | 455 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8842% | 7,367 |
| Cost of funding earning assets | 1.1189% | 3,101 |
| Net interest margin | 1.7653% | 7,412 |
| Noninterest income to average assets | 5.4022% | 124 |
| Noninterest expense to average assets | 5.5777% | 257 |
| Loan and lease loss provision to assets | 0.2339% | 3,572 |
| Net operating income to assets | 1.1838% | 1,621 |
| Return on assets (ROA) | 1.1944% | 1,673 |
| Pretax return on assets | 1.0010% | 3,237 |
| Return on Equity (ROE) | 7.6561% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.6561% | 1,599 |
| Net charge-offs to loans | 4.5306% | 160 |
| Credit loss provision to net charge-offs | 10.3622% | 5,242 |
| Earnings coverage of net charge-offs (x) | 0.5425% | 4,899 |
| Efficiency ratio | 81.7979% | 2,131 |
| Assets per employee ($millions) | 1.6795% | 7,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.6713% | 7 |
| Loan loss allowance to noncurrent loans | 38.5915% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 31.9934% | 9 |
| Noncurrent loans to loans | 38.0169% | 8 |
| Net loans and leases to total assets | 40.0662% | 6,740 |
| Net loans and leases to deposits | 53.3342% | 6,358 |
| Net loans and leases to core deposits | 54.6325% | 6,518 |
| Total domestic deposits to total assets | 75.1229% | 6,711 |
| Equity capital to assets | 16.4907% | 541 |
| Core capital (leverage) ratio | 15.6155% | 555 |
| Tier 1 risk-based capital ratio | 25.7481% | 831 |
| Total risk-based capital ratio | 27.1265% | 805 |
| Memoranda: | ||
| Average total assets | $1,967,058,000 | 358 |
| Average earning assets | $1,559,717,670 | 390 |
| Average equity | $306,867,670 | 260 |
| Average total loans | $979,834,000 | 441 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1140% | 7,368 |
| Cost of funding earning assets | 1.1631% | 3,069 |
| Net interest margin | 1.9510% | 7,420 |
| Noninterest income to average assets | 4.9371% | 137 |
| Noninterest expense to average assets | 5.7755% | 220 |
| Loan and lease loss provision to assets | 0.3009% | 2,755 |
| Net operating income to assets | 0.4951% | 4,506 |
| Return on assets (ROA) | 0.5159% | 4,510 |
| Pretax return on assets | 0.4273% | 5,253 |
| Return on Equity (ROE) | 3.4001% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.4001% | 4,155 |
| Net charge-offs to loans | 3.2654% | 317 |
| Credit loss provision to net charge-offs | 18.0029% | 4,275 |
| Earnings coverage of net charge-offs (x) | 0.4232% | 4,305 |
| Efficiency ratio | 88.8796% | 1,429 |
| Assets per employee ($millions) | 1.6929% | 7,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.9223% | 9 |
| Loan loss allowance to noncurrent loans | 42.5757% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 32.3131% | 7 |
| Noncurrent loans to loans | 35.0489% | 8 |
| Net loans and leases to total assets | 42.5291% | 6,575 |
| Net loans and leases to deposits | 56.1995% | 6,109 |
| Net loans and leases to core deposits | 57.4596% | 6,310 |
| Total domestic deposits to total assets | 75.6753% | 6,722 |
| Equity capital to assets | 15.6451% | 638 |
| Core capital (leverage) ratio | 14.6810% | 715 |
| Tier 1 risk-based capital ratio | 23.7944% | 993 |
| Total risk-based capital ratio | 25.1769% | 959 |
| Memoranda: | ||
| Average total assets | $1,994,138,500 | 351 |
| Average earning assets | $1,579,939,000 | 386 |
| Average equity | $302,576,500 | 261 |
| Average total loans | $1,020,649,500 | 427 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8877% | 7,507 |
| Cost of funding earning assets | 1.8239% | 1,081 |
| Net interest margin | 1.0638% | 7,580 |
| Noninterest income to average assets | 3.7541% | 179 |
| Noninterest expense to average assets | 3.6137% | 1,892 |
| Loan and lease loss provision to assets | 1.5164% | 974 |
| Net operating income to assets | -0.6880% | 6,506 |
| Return on assets (ROA) | -0.6785% | 6,537 |
| Pretax return on assets | -0.4159% | 6,256 |
| Return on Equity (ROE) | -9.4762% | 6,708 |
| Retained earnings to average equity (ytd only) | -9.4762% | 6,638 |
| Net charge-offs to loans | 5.4344% | 141 |
| Credit loss provision to net charge-offs | 56.1233% | 6,154 |
| Earnings coverage of net charge-offs (x) | 0.4038% | 5,703 |
| Efficiency ratio | 76.6803% | 2,934 |
| Assets per employee ($millions) | 1.8031% | 7,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1664% | 9 |
| Loan loss allowance to noncurrent loans | 37.4039% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 34.6254% | 3 |
| Noncurrent loans to loans | 37.8742% | 5 |
| Net loans and leases to total assets | 44.9040% | 6,644 |
| Net loans and leases to deposits | 58.6350% | 6,196 |
| Net loans and leases to core deposits | 62.6047% | 6,184 |
| Total domestic deposits to total assets | 76.5823% | 6,553 |
| Equity capital to assets | 14.7257% | 853 |
| Core capital (leverage) ratio | 7.0622% | 6,993 |
| Tier 1 risk-based capital ratio | 21.8165% | 1,202 |
| Total risk-based capital ratio | 23.1948% | 1,159 |
| Memoranda: | ||
| Average total assets | $4,415,058,000 | 188 |
| Average earning assets | $3,945,403,800 | 187 |
| Average equity | $316,108,400 | 248 |
| Average total loans | $2,195,109,800 | 222 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8618% | 7,698 |
| Cost of funding earning assets | 0.4205% | 7,546 |
| Net interest margin | 1.4414% | 7,677 |
| Noninterest income to average assets | 12.2487% | 56 |
| Noninterest expense to average assets | 7.1766% | 140 |
| Loan and lease loss provision to assets | 2.4718% | 430 |
| Net operating income to assets | 2.3345% | 180 |
| Return on assets (ROA) | 2.3444% | 185 |
| Pretax return on assets | 3.8371% | 77 |
| Return on Equity (ROE) | 17.0787% | 579 |
| Retained earnings to average equity (ytd only) | 17.0787% | 130 |
| Net charge-offs to loans | 10.0610% | 23 |
| Credit loss provision to net charge-offs | 70.4964% | 5,406 |
| Earnings coverage of net charge-offs (x) | 1.7949% | 4,366 |
| Efficiency ratio | 53.0376% | 6,883 |
| Assets per employee ($millions) | 1.1005% | 7,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6014% | 19 |
| Loan loss allowance to noncurrent loans | 29.2409% | 6,375 |
| Noncurrent assets plus other real estate owned to assets | 17.8952% | 91 |
| Noncurrent loans to loans | 36.2552% | 9 |
| Net loans and leases to total assets | 29.2184% | 7,485 |
| Net loans and leases to deposits | 34.7609% | 7,497 |
| Net loans and leases to core deposits | 35.3198% | 7,514 |
| Total domestic deposits to total assets | 84.0553% | 4,102 |
| Equity capital to assets | 15.1169% | 862 |
| Core capital (leverage) ratio | 13.0233% | 1,220 |
| Tier 1 risk-based capital ratio | 33.9846% | 379 |
| Total risk-based capital ratio | 35.3509% | 369 |
| Memoranda: | ||
| Average total assets | $833,387,750 | 810 |
| Average earning assets | $706,162,500 | 874 |
| Average equity | $114,401,000 | 583 |
| Average total loans | $290,434,000 | 1,557 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8772% | 7,774 |
| Cost of funding earning assets | 0.4420% | 7,619 |
| Net interest margin | 1.4352% | 7,750 |
| Noninterest income to average assets | 12.2833% | 56 |
| Noninterest expense to average assets | 7.0142% | 151 |
| Loan and lease loss provision to assets | 3.3300% | 276 |
| Net operating income to assets | 1.9295% | 375 |
| Return on assets (ROA) | 1.9443% | 405 |
| Pretax return on assets | 3.1823% | 108 |
| Return on Equity (ROE) | 14.6401% | 919 |
| Retained earnings to average equity (ytd only) | 14.6401% | 267 |
| Net charge-offs to loans | 8.9211% | 46 |
| Credit loss provision to net charge-offs | 105.0105% | 3,881 |
| Earnings coverage of net charge-offs (x) | 2.0464% | 4,000 |
| Efficiency ratio | 51.7042% | 7,102 |
| Assets per employee ($millions) | 1.1147% | 7,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.6653% | 11 |
| Loan loss allowance to noncurrent loans | 33.4666% | 6,137 |
| Noncurrent assets plus other real estate owned to assets | 19.1231% | 66 |
| Noncurrent loans to loans | 37.8444% | 7 |
| Net loans and leases to total assets | 29.4552% | 7,548 |
| Net loans and leases to deposits | 34.7002% | 7,560 |
| Net loans and leases to core deposits | 35.5185% | 7,575 |
| Total domestic deposits to total assets | 84.8848% | 3,692 |
| Equity capital to assets | 14.0908% | 1,135 |
| Core capital (leverage) ratio | 12.2842% | 1,503 |
| Tier 1 risk-based capital ratio | 30.9215% | 460 |
| Total risk-based capital ratio | 32.3055% | 452 |
| Memoranda: | ||
| Average total assets | $840,832,330 | 805 |
| Average earning assets | $714,903,000 | 862 |
| Average equity | $111,666,000 | 591 |
| Average total loans | $298,885,670 | 1,534 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9763% | 7,877 |
| Cost of funding earning assets | 0.4582% | 7,723 |
| Net interest margin | 1.5181% | 7,830 |
| Noninterest income to average assets | 10.9825% | 63 |
| Noninterest expense to average assets | 6.8511% | 158 |
| Loan and lease loss provision to assets | 3.2988% | 286 |
| Net operating income to assets | 1.3035% | 1,292 |
| Return on assets (ROA) | 1.3035% | 1,362 |
| Pretax return on assets | 2.1334% | 473 |
| Return on Equity (ROE) | 10.1150% | 2,062 |
| Retained earnings to average equity (ytd only) | 10.1150% | 1,115 |
| Net charge-offs to loans | 14.5733% | 23 |
| Credit loss provision to net charge-offs | 62.1339% | 4,260 |
| Earnings coverage of net charge-offs (x) | 1.0232% | 4,156 |
| Efficiency ratio | 55.5151% | 6,834 |
| Assets per employee ($millions) | 1.1466% | 7,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0082% | 24 |
| Loan loss allowance to noncurrent loans | 25.2262% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 18.7950% | 73 |
| Noncurrent loans to loans | 39.6739% | 10 |
| Net loans and leases to total assets | 32.6407% | 7,548 |
| Net loans and leases to deposits | 38.1775% | 7,574 |
| Net loans and leases to core deposits | 39.0963% | 7,600 |
| Total domestic deposits to total assets | 85.4972% | 3,416 |
| Equity capital to assets | 13.2740% | 1,409 |
| Core capital (leverage) ratio | 11.8082% | 1,748 |
| Tier 1 risk-based capital ratio | 28.2100% | 622 |
| Total risk-based capital ratio | 29.5619% | 603 |
| Memoranda: | ||
| Average total assets | $848,802,000 | 812 |
| Average earning assets | $727,204,500 | 864 |
| Average equity | $109,382,000 | 604 |
| Average total loans | $309,223,500 | 1,525 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8259% | 7,895 |
| Cost of funding earning assets | 0.7915% | 7,570 |
| Net interest margin | 2.0345% | 7,727 |
| Noninterest income to average assets | 14.1180% | 52 |
| Noninterest expense to average assets | 7.3111% | 189 |
| Loan and lease loss provision to assets | 7.7092% | 51 |
| Net operating income to assets | 0.5278% | 3,617 |
| Return on assets (ROA) | 0.5382% | 3,665 |
| Pretax return on assets | 0.8811% | 2,989 |
| Return on Equity (ROE) | 4.3291% | 3,952 |
| Retained earnings to average equity (ytd only) | 4.3291% | 2,205 |
| Net charge-offs to loans | 11.3100% | 26 |
| Credit loss provision to net charge-offs | 137.1382% | 3,594 |
| Earnings coverage of net charge-offs (x) | 1.5252% | 4,604 |
| Efficiency ratio | 45.8201% | 7,722 |
| Assets per employee ($millions) | 1.1869% | 7,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.9505% | 19 |
| Loan loss allowance to noncurrent loans | 32.6955% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 16.7714% | 101 |
| Noncurrent loans to loans | 33.4923% | 12 |
| Net loans and leases to total assets | 32.5789% | 7,642 |
| Net loans and leases to deposits | 37.9285% | 7,680 |
| Net loans and leases to core deposits | 39.6467% | 7,759 |
| Total domestic deposits to total assets | 85.8957% | 3,063 |
| Equity capital to assets | 12.5119% | 1,743 |
| Core capital (leverage) ratio | 11.8064% | 1,753 |
| Tier 1 risk-based capital ratio | 25.7382% | 781 |
| Total risk-based capital ratio | 27.0934% | 762 |
| Memoranda: | ||
| Average total assets | $834,063,400 | 816 |
| Average earning assets | $724,465,800 | 864 |
| Average equity | $103,693,600 | 628 |
| Average total loans | $414,560,600 | 1,167 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9217% | 7,990 |
| Cost of funding earning assets | 0.8824% | 7,587 |
| Net interest margin | 2.0393% | 7,798 |
| Noninterest income to average assets | 14.1461% | 52 |
| Noninterest expense to average assets | 7.1728% | 198 |
| Loan and lease loss provision to assets | 9.0782% | 30 |
| Net operating income to assets | -0.2037% | 6,069 |
| Return on assets (ROA) | -0.1896% | 6,057 |
| Pretax return on assets | -0.3048% | 6,103 |
| Return on Equity (ROE) | -1.5278% | 6,024 |
| Retained earnings to average equity (ytd only) | -1.5278% | 5,620 |
| Net charge-offs to loans | 12.1705% | 29 |
| Credit loss provision to net charge-offs | 140.4060% | 3,500 |
| Earnings coverage of net charge-offs (x) | 1.3535% | 4,769 |
| Efficiency ratio | 44.8373% | 7,808 |
| Assets per employee ($millions) | 1.0983% | 8,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.4576% | 19 |
| Loan loss allowance to noncurrent loans | 30.6974% | 6,410 |
| Noncurrent assets plus other real estate owned to assets | 17.4779% | 74 |
| Noncurrent loans to loans | 30.8093% | 14 |
| Net loans and leases to total assets | 41.0661% | 7,408 |
| Net loans and leases to deposits | 47.8667% | 7,499 |
| Net loans and leases to core deposits | 50.3674% | 7,678 |
| Total domestic deposits to total assets | 85.7927% | 2,807 |
| Equity capital to assets | 13.1630% | 1,636 |
| Core capital (leverage) ratio | 10.6127% | 2,699 |
| Tier 1 risk-based capital ratio | 22.2736% | 1,192 |
| Total risk-based capital ratio | 23.6214% | 1,163 |
| Memoranda: | ||
| Average total assets | $826,866,250 | 829 |
| Average earning assets | $721,013,750 | 877 |
| Average equity | $102,627,250 | 646 |
| Average total loans | $439,281,750 | 1,113 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0699% | 8,073 |
| Cost of funding earning assets | 0.9594% | 7,610 |
| Net interest margin | 2.1106% | 7,803 |
| Noninterest income to average assets | 13.3681% | 55 |
| Noninterest expense to average assets | 6.8907% | 229 |
| Loan and lease loss provision to assets | 9.0836% | 43 |
| Net operating income to assets | -0.4689% | 6,518 |
| Return on assets (ROA) | -0.4689% | 6,528 |
| Pretax return on assets | -0.7535% | 6,654 |
| Return on Equity (ROE) | -3.8494% | 6,462 |
| Retained earnings to average equity (ytd only) | -3.8494% | 6,108 |
| Net charge-offs to loans | 12.2407% | 37 |
| Credit loss provision to net charge-offs | 133.6730% | 3,487 |
| Earnings coverage of net charge-offs (x) | 1.2258% | 4,615 |
| Efficiency ratio | 45.0598% | 7,886 |
| Assets per employee ($millions) | 1.1537% | 8,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.7935% | 57 |
| Loan loss allowance to noncurrent loans | 25.3502% | 6,821 |
| Noncurrent assets plus other real estate owned to assets | 14.7599% | 104 |
| Noncurrent loans to loans | 26.7986% | 23 |
| Net loans and leases to total assets | 44.0275% | 7,324 |
| Net loans and leases to deposits | 50.6989% | 7,457 |
| Net loans and leases to core deposits | 53.6351% | 7,666 |
| Total domestic deposits to total assets | 86.8412% | 2,338 |
| Equity capital to assets | 12.1204% | 2,138 |
| Core capital (leverage) ratio | 10.2318% | 3,059 |
| Tier 1 risk-based capital ratio | 20.5265% | 1,480 |
| Total risk-based capital ratio | 21.8418% | 1,428 |
| Memoranda: | ||
| Average total assets | $843,278,670 | 836 |
| Average earning assets | $740,280,000 | 864 |
| Average equity | $102,716,670 | 655 |
| Average total loans | $468,142,670 | 1,063 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4035% | 8,104 |
| Cost of funding earning assets | 1.0577% | 7,585 |
| Net interest margin | 2.3458% | 7,674 |
| Noninterest income to average assets | 12.7271% | 56 |
| Noninterest expense to average assets | 6.9534% | 206 |
| Loan and lease loss provision to assets | 7.2230% | 89 |
| Net operating income to assets | 0.3843% | 4,924 |
| Return on assets (ROA) | 0.3843% | 5,107 |
| Pretax return on assets | 0.6175% | 4,709 |
| Return on Equity (ROE) | 3.1472% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.1472% | 4,123 |
| Net charge-offs to loans | 5.8438% | 166 |
| Credit loss provision to net charge-offs | 207.4014% | 2,155 |
| Earnings coverage of net charge-offs (x) | 2.2513% | 3,611 |
| Efficiency ratio | 46.7850% | 7,806 |
| Assets per employee ($millions) | 1.1334% | 8,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3445% | 92 |
| Loan loss allowance to noncurrent loans | 37.3796% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 9.9703% | 228 |
| Noncurrent loans to loans | 14.2980% | 113 |
| Net loans and leases to total assets | 53.3152% | 6,552 |
| Net loans and leases to deposits | 61.6888% | 6,760 |
| Net loans and leases to core deposits | 65.9700% | 7,242 |
| Total domestic deposits to total assets | 86.4261% | 2,490 |
| Equity capital to assets | 12.4803% | 1,985 |
| Core capital (leverage) ratio | 10.7332% | 2,713 |
| Tier 1 risk-based capital ratio | 18.1559% | 2,016 |
| Total risk-based capital ratio | 19.4566% | 1,956 |
| Memoranda: | ||
| Average total assets | $847,296,500 | 835 |
| Average earning assets | $746,519,000 | 858 |
| Average equity | $103,457,500 | 647 |
| Average total loans | $504,944,000 | 992 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8859% | 6,107 |
| Cost of funding earning assets | 1.4569% | 7,674 |
| Net interest margin | 4.4290% | 1,599 |
| Noninterest income to average assets | 12.4471% | 70 |
| Noninterest expense to average assets | 6.9989% | 282 |
| Loan and lease loss provision to assets | 7.8273% | 28 |
| Net operating income to assets | 1.0427% | 2,390 |
| Return on assets (ROA) | 1.2088% | 1,685 |
| Pretax return on assets | 1.7998% | 946 |
| Return on Equity (ROE) | 9.6986% | 2,364 |
| Retained earnings to average equity (ytd only) | -0.1138% | 5,305 |
| Net charge-offs to loans | 9.5091% | 15 |
| Credit loss provision to net charge-offs | 114.8209% | 4,703 |
| Earnings coverage of net charge-offs (x) | 1.3759% | 5,439 |
| Efficiency ratio | 42.5311% | 8,057 |
| Assets per employee ($millions) | 1.1642% | 8,220 |
| Cash dividends to net income (ytd only)* | 101.1736% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1730% | 376 |
| Loan loss allowance to noncurrent loans | 28.6270% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 8.2147% | 274 |
| Noncurrent loans to loans | 11.0838% | 167 |
| Net loans and leases to total assets | 60.7646% | 5,800 |
| Net loans and leases to deposits | 70.1713% | 6,260 |
| Net loans and leases to core deposits | 74.7635% | 6,923 |
| Total domestic deposits to total assets | 86.5947% | 2,144 |
| Equity capital to assets | 11.9492% | 2,322 |
| Core capital (leverage) ratio | 11.0684% | 2,539 |
| Tier 1 risk-based capital ratio | 15.4012% | 2,877 |
| Total risk-based capital ratio | 16.6697% | 2,808 |
| Memoranda: | ||
| Average total assets | $817,652,000 | 832 |
| Average earning assets | $725,721,000 | 840 |
| Average equity | $101,911,400 | 656 |
| Average total loans | $586,165,000 | 817 |