Home > Beverly Bank & Trust Company > Performance and Condition Ratios
Beverly Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8721% | 748 |
| Cost of funding earning assets | 1.9105% | 1,050 |
| Net interest margin | 3.9616% | 1,263 |
| Noninterest income to average assets | 1.4400% | 406 |
| Noninterest expense to average assets | 3.1744% | 853 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.3003% | 1,436 |
| Return on assets (ROA) | 1.3023% | 1,402 |
| Pretax return on assets | 1.7679% | 926 |
| Return on Equity (ROE) | 12.6500% | 1,807 |
| Retained earnings to average equity (ytd only) | 5.9943% | 2,241 |
| Net charge-offs to loans | 0.2175% | 499 |
| Credit loss provision to net charge-offs | 156.8402% | 1,432 |
| Earnings coverage of net charge-offs (x) | 10.8999% | 2,217 |
| Efficiency ratio | 61.9111% | 2,840 |
| Assets per employee ($millions) | 12.3007% | 380 |
| Cash dividends to net income (ytd only)* | 52.6002% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 3,886 |
| Loan loss allowance to noncurrent loans | 433.8596% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 2,018 |
| Noncurrent loans to loans | 0.1918% | 2,550 |
| Net loans and leases to total assets | 81.0300% | 528 |
| Net loans and leases to deposits | 93.8468% | 952 |
| Net loans and leases to core deposits | 110.2562% | 955 |
| Total domestic deposits to total assets | 86.3500% | 1,901 |
| Equity capital to assets | 10.1829% | 1,904 |
| Core capital (leverage) ratio | 10.0030% | 2,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5303% | 2,708 |
| Memoranda: | ||
| Average total assets | $2,189,822,000 | 521 |
| Average earning assets | $2,037,141,800 | 510 |
| Average equity | $225,496,400 | 486 |
| Average total loans | $1,801,058,400 | 440 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7590% | 721 |
| Cost of funding earning assets | 1.7722% | 1,057 |
| Net interest margin | 3.9868% | 1,244 |
| Noninterest income to average assets | 1.4200% | 418 |
| Noninterest expense to average assets | 3.0846% | 949 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 1.4010% | 1,317 |
| Return on assets (ROA) | 1.3982% | 1,309 |
| Pretax return on assets | 1.9062% | 855 |
| Return on Equity (ROE) | 13.5400% | 1,786 |
| Retained earnings to average equity (ytd only) | 13.5392% | 738 |
| Net charge-offs to loans | 0.1345% | 602 |
| Credit loss provision to net charge-offs | 209.6399% | 1,094 |
| Earnings coverage of net charge-offs (x) | 18.4465% | 1,863 |
| Efficiency ratio | 60.1044% | 2,953 |
| Assets per employee ($millions) | 12.0208% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 3,902 |
| Loan loss allowance to noncurrent loans | 212.0588% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.4072% | 1,419 |
| Noncurrent loans to loans | 0.3951% | 1,842 |
| Net loans and leases to total assets | 81.0100% | 536 |
| Net loans and leases to deposits | 94.6558% | 851 |
| Net loans and leases to core deposits | 112.8374% | 773 |
| Total domestic deposits to total assets | 85.5800% | 2,324 |
| Equity capital to assets | 10.4805% | 1,561 |
| Core capital (leverage) ratio | 10.3973% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1864% | 2,555 |
| Memoranda: | ||
| Average total assets | $2,171,447,250 | 528 |
| Average earning assets | $2,020,201,750 | 520 |
| Average equity | $224,252,500 | 486 |
| Average total loans | $1,788,956,000 | 442 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6020% | 727 |
| Cost of funding earning assets | 1.5727% | 1,123 |
| Net interest margin | 4.0293% | 1,194 |
| Noninterest income to average assets | 1.4200% | 347 |
| Noninterest expense to average assets | 3.0394% | 979 |
| Loan and lease loss provision to assets | 0.2300% | 445 |
| Net operating income to assets | 1.3870% | 1,364 |
| Return on assets (ROA) | 1.3888% | 1,339 |
| Pretax return on assets | 1.8917% | 885 |
| Return on Equity (ROE) | 13.5200% | 1,788 |
| Retained earnings to average equity (ytd only) | 13.5163% | 741 |
| Net charge-offs to loans | 0.1803% | 438 |
| Credit loss provision to net charge-offs | 213.1301% | 1,023 |
| Earnings coverage of net charge-offs (x) | 14.2321% | 1,879 |
| Efficiency ratio | 58.8744% | 3,091 |
| Assets per employee ($millions) | 12.0759% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8107% | 3,995 |
| Loan loss allowance to noncurrent loans | 404.7555% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.1971% | 2,206 |
| Noncurrent loans to loans | 0.2003% | 2,465 |
| Net loans and leases to total assets | 83.8600% | 282 |
| Net loans and leases to deposits | 97.7960% | 623 |
| Net loans and leases to core deposits | 116.3554% | 616 |
| Total domestic deposits to total assets | 85.7500% | 2,312 |
| Equity capital to assets | 10.3795% | 1,644 |
| Core capital (leverage) ratio | 10.1784% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6681% | 2,717 |
| Memoranda: | ||
| Average total assets | $2,157,989,000 | 516 |
| Average earning assets | $2,000,963,667 | 513 |
| Average equity | $221,733,000 | 482 |
| Average total loans | $1,782,971,000 | 430 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3814% | 748 |
| Cost of funding earning assets | 1.2950% | 1,235 |
| Net interest margin | 4.0864% | 1,120 |
| Noninterest income to average assets | 1.5200% | 324 |
| Noninterest expense to average assets | 2.9989% | 1,064 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | 1.5158% | 1,158 |
| Return on assets (ROA) | 1.5244% | 1,113 |
| Pretax return on assets | 2.0659% | 690 |
| Return on Equity (ROE) | 14.9100% | 1,568 |
| Retained earnings to average equity (ytd only) | 14.9130% | 810 |
| Net charge-offs to loans | 0.2913% | 271 |
| Credit loss provision to net charge-offs | 139.5294% | 978 |
| Earnings coverage of net charge-offs (x) | 9.5898% | 1,685 |
| Efficiency ratio | 56.7592% | 3,326 |
| Assets per employee ($millions) | 12.1138% | 381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7667% | 4,146 |
| Loan loss allowance to noncurrent loans | 380.6964% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.1935% | 2,175 |
| Noncurrent loans to loans | 0.2014% | 2,465 |
| Net loans and leases to total assets | 81.5700% | 409 |
| Net loans and leases to deposits | 94.9428% | 725 |
| Net loans and leases to core deposits | 111.8868% | 644 |
| Total domestic deposits to total assets | 85.9200% | 2,619 |
| Equity capital to assets | 10.3545% | 1,635 |
| Core capital (leverage) ratio | 10.2425% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4743% | 2,859 |
| Memoranda: | ||
| Average total assets | $2,144,114,500 | 532 |
| Average earning assets | $1,970,654,500 | 530 |
| Average equity | $219,165,000 | 494 |
| Average total loans | $1,750,518,500 | 443 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8915% | 2,008 |
| Cost of funding earning assets | 0.4368% | 1,812 |
| Net interest margin | 3.4547% | 2,082 |
| Noninterest income to average assets | 1.5100% | 342 |
| Noninterest expense to average assets | 2.8611% | 1,193 |
| Loan and lease loss provision to assets | 0.4600% | 135 |
| Net operating income to assets | 1.0399% | 2,417 |
| Return on assets (ROA) | 1.0273% | 2,413 |
| Pretax return on assets | 1.4027% | 1,764 |
| Return on Equity (ROE) | 9.8600% | 2,847 |
| Retained earnings to average equity (ytd only) | 9.8570% | 1,207 |
| Net charge-offs to loans | 0.1444% | 566 |
| Credit loss provision to net charge-offs | 216.8038% | 1,068 |
| Earnings coverage of net charge-offs (x) | 15.7865% | 1,994 |
| Efficiency ratio | 60.3048% | 3,015 |
| Assets per employee ($millions) | 12.1135% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7651% | 4,105 |
| Loan loss allowance to noncurrent loans | 402.6953% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 2,271 |
| Noncurrent loans to loans | 0.1900% | 2,533 |
| Net loans and leases to total assets | 80.4500% | 543 |
| Net loans and leases to deposits | 93.5184% | 813 |
| Net loans and leases to core deposits | 107.1795% | 701 |
| Total domestic deposits to total assets | 86.0200% | 2,717 |
| Equity capital to assets | 10.0858% | 1,673 |
| Core capital (leverage) ratio | 9.9613% | 2,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4634% | 2,872 |
| Memoranda: | ||
| Average total assets | $1,941,389,600 | 570 |
| Average earning assets | $1,811,543,400 | 558 |
| Average equity | $202,322,800 | 522 |
| Average total loans | $1,599,266,600 | 448 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4877% | 2,653 |
| Cost of funding earning assets | 0.2673% | 2,515 |
| Net interest margin | 3.2204% | 2,565 |
| Noninterest income to average assets | 1.5200% | 357 |
| Noninterest expense to average assets | 2.8034% | 1,248 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 1.0170% | 2,418 |
| Return on assets (ROA) | 0.9989% | 2,451 |
| Pretax return on assets | 1.3660% | 1,828 |
| Return on Equity (ROE) | 9.5000% | 2,874 |
| Retained earnings to average equity (ytd only) | 9.4991% | 1,485 |
| Net charge-offs to loans | 0.0775% | 763 |
| Credit loss provision to net charge-offs | 308.2237% | 802 |
| Earnings coverage of net charge-offs (x) | 27.0482% | 1,570 |
| Efficiency ratio | 61.7035% | 2,865 |
| Assets per employee ($millions) | 11.6414% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7496% | 4,187 |
| Loan loss allowance to noncurrent loans | 164.7326% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 1,374 |
| Noncurrent loans to loans | 0.4551% | 1,667 |
| Net loans and leases to total assets | 79.8100% | 545 |
| Net loans and leases to deposits | 93.7012% | 652 |
| Net loans and leases to core deposits | 107.4319% | 551 |
| Total domestic deposits to total assets | 85.1700% | 3,243 |
| Equity capital to assets | 10.0969% | 1,571 |
| Core capital (leverage) ratio | 10.2727% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2851% | 2,990 |
| Memoranda: | ||
| Average total assets | $1,896,771,500 | 587 |
| Average earning assets | $1,777,461,500 | 567 |
| Average equity | $199,452,000 | 534 |
| Average total loans | $1,569,445,750 | 454 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1835% | 3,096 |
| Cost of funding earning assets | 0.1771% | 3,214 |
| Net interest margin | 3.0064% | 2,855 |
| Noninterest income to average assets | 1.5837% | 312 |
| Noninterest expense to average assets | 2.8223% | 1,130 |
| Loan and lease loss provision to assets | 0.4527% | 117 |
| Net operating income to assets | 0.8259% | 2,862 |
| Return on assets (ROA) | 0.8078% | 2,896 |
| Pretax return on assets | 1.1061% | 2,385 |
| Return on Equity (ROE) | 7.5704% | 3,145 |
| Retained earnings to average equity (ytd only) | 7.5704% | 1,778 |
| Net charge-offs to loans | 0.0798% | 673 |
| Credit loss provision to net charge-offs | 415.9091% | 692 |
| Earnings coverage of net charge-offs (x) | 23.7029% | 1,487 |
| Efficiency ratio | 63.9919% | 2,774 |
| Assets per employee ($millions) | 10.8625% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7630% | 4,233 |
| Loan loss allowance to noncurrent loans | 292.2442% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 2,199 |
| Noncurrent loans to loans | 0.2611% | 2,435 |
| Net loans and leases to total assets | 84.8171% | 144 |
| Net loans and leases to deposits | 97.1616% | 380 |
| Net loans and leases to core deposits | 112.4963% | 309 |
| Total domestic deposits to total assets | 87.2949% | 2,830 |
| Equity capital to assets | 10.6794% | 1,363 |
| Core capital (leverage) ratio | 10.5162% | 1,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0442% | 3,010 |
| Memoranda: | ||
| Average total assets | $1,846,066,667 | 592 |
| Average earning assets | $1,731,917,667 | 579 |
| Average equity | $196,978,000 | 539 |
| Average total loans | $1,543,427,667 | 454 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0648% | 3,067 |
| Cost of funding earning assets | 0.1772% | 3,121 |
| Net interest margin | 2.8877% | 2,881 |
| Noninterest income to average assets | 1.6373% | 315 |
| Noninterest expense to average assets | 2.8619% | 1,035 |
| Loan and lease loss provision to assets | 0.4709% | 104 |
| Net operating income to assets | 0.7523% | 2,847 |
| Return on assets (ROA) | 0.7313% | 2,917 |
| Pretax return on assets | 0.9880% | 2,474 |
| Return on Equity (ROE) | 6.8570% | 3,085 |
| Retained earnings to average equity (ytd only) | 6.8570% | 1,939 |
| Net charge-offs to loans | 0.0125% | 1,308 |
| Credit loss provision to net charge-offs | 3,759.5745% | 117 |
| Earnings coverage of net charge-offs (x) | 143.7021% | 550 |
| Efficiency ratio | 65.7391% | 2,797 |
| Assets per employee ($millions) | 10.8047% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8006% | 4,241 |
| Loan loss allowance to noncurrent loans | 279.3436% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.2386% | 2,208 |
| Noncurrent loans to loans | 0.2866% | 2,444 |
| Net loans and leases to total assets | 82.5916% | 136 |
| Net loans and leases to deposits | 94.9761% | 317 |
| Net loans and leases to core deposits | 109.7861% | 263 |
| Total domestic deposits to total assets | 86.9604% | 2,940 |
| Equity capital to assets | 10.7092% | 1,483 |
| Core capital (leverage) ratio | 10.1072% | 2,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2275% | 3,024 |
| Memoranda: | ||
| Average total assets | $1,818,627,500 | 598 |
| Average earning assets | $1,706,847,000 | 586 |
| Average equity | $193,962,000 | 565 |
| Average total loans | $1,502,780,000 | 460 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2412% | 3,372 |
| Cost of funding earning assets | 0.2595% | 2,815 |
| Net interest margin | 2.9817% | 3,246 |
| Noninterest income to average assets | 1.4904% | 504 |
| Noninterest expense to average assets | 2.7307% | 1,546 |
| Loan and lease loss provision to assets | -0.0703% | 4,441 |
| Net operating income to assets | 1.1748% | 2,008 |
| Return on assets (ROA) | 1.1739% | 2,071 |
| Pretax return on assets | 1.6120% | 1,395 |
| Return on Equity (ROE) | 11.0487% | 2,150 |
| Retained earnings to average equity (ytd only) | 3.0751% | 3,601 |
| Net charge-offs to loans | 0.0287% | 1,665 |
| Credit loss provision to net charge-offs | -427.9518% | 3,724 |
| Earnings coverage of net charge-offs (x) | 65.8193% | 1,121 |
| Efficiency ratio | 63.7727% | 2,596 |
| Assets per employee ($millions) | 10.5922% | 567 |
| Cash dividends to net income (ytd only)* | 72.1674% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7036% | 4,408 |
| Loan loss allowance to noncurrent loans | 332.3052% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 2,720 |
| Noncurrent loans to loans | 0.2117% | 2,899 |
| Net loans and leases to total assets | 81.4251% | 204 |
| Net loans and leases to deposits | 93.6814% | 397 |
| Net loans and leases to core deposits | 108.1258% | 317 |
| Total domestic deposits to total assets | 86.9171% | 2,555 |
| Equity capital to assets | 10.6211% | 2,072 |
| Core capital (leverage) ratio | 9.9423% | 2,421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3624% | 3,010 |
| Memoranda: | ||
| Average total assets | $1,770,579,000 | 593 |
| Average earning assets | $1,652,609,800 | 582 |
| Average equity | $188,121,800 | 575 |
| Average total loans | $1,445,903,800 | 479 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 3,479 |
| Cost of funding earning assets | 0.2821% | 2,773 |
| Net interest margin | 2.9799% | 3,357 |
| Noninterest income to average assets | 1.5025% | 548 |
| Noninterest expense to average assets | 2.6539% | 1,697 |
| Loan and lease loss provision to assets | -0.1093% | 4,625 |
| Net operating income to assets | 1.2722% | 1,911 |
| Return on assets (ROA) | 1.2688% | 1,979 |
| Pretax return on assets | 1.7317% | 1,329 |
| Return on Equity (ROE) | 11.9411% | 2,068 |
| Retained earnings to average equity (ytd only) | 1.2495% | 4,360 |
| Net charge-offs to loans | 0.0290% | 1,473 |
| Credit loss provision to net charge-offs | -661.2179% | 3,734 |
| Earnings coverage of net charge-offs (x) | 68.8365% | 1,074 |
| Efficiency ratio | 61.8688% | 2,722 |
| Assets per employee ($millions) | 10.8249% | 506 |
| Cash dividends to net income (ytd only)* | 89.5362% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 4,490 |
| Loan loss allowance to noncurrent loans | 629.1054% | 1,140 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 3,496 |
| Noncurrent loans to loans | 0.1121% | 3,530 |
| Net loans and leases to total assets | 79.4694% | 322 |
| Net loans and leases to deposits | 91.2190% | 533 |
| Net loans and leases to core deposits | 105.0481% | 431 |
| Total domestic deposits to total assets | 87.1194% | 2,309 |
| Equity capital to assets | 10.3345% | 2,582 |
| Core capital (leverage) ratio | 9.8931% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5099% | 3,039 |
| Memoranda: | ||
| Average total assets | $1,760,407,000 | 599 |
| Average earning assets | $1,641,195,750 | 587 |
| Average equity | $187,058,250 | 582 |
| Average total loans | $1,436,060,500 | 488 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2628% | 3,534 |
| Cost of funding earning assets | 0.3135% | 2,649 |
| Net interest margin | 2.9493% | 3,448 |
| Noninterest income to average assets | 1.5215% | 532 |
| Noninterest expense to average assets | 2.6178% | 1,813 |
| Loan and lease loss provision to assets | -0.1720% | 4,733 |
| Net operating income to assets | 1.3370% | 1,757 |
| Return on assets (ROA) | 1.3334% | 1,833 |
| Pretax return on assets | 1.8183% | 1,192 |
| Return on Equity (ROE) | 12.4296% | 1,901 |
| Retained earnings to average equity (ytd only) | -3.6335% | 4,743 |
| Net charge-offs to loans | 0.0495% | 1,131 |
| Credit loss provision to net charge-offs | -574.0113% | 3,512 |
| Earnings coverage of net charge-offs (x) | 40.5960% | 1,159 |
| Efficiency ratio | 61.1857% | 2,847 |
| Assets per employee ($millions) | 10.2889% | 565 |
| Cash dividends to net income (ytd only)* | 129.2324% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 4,499 |
| Loan loss allowance to noncurrent loans | 719.2146% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.0811% | 3,669 |
| Noncurrent loans to loans | 0.1001% | 3,683 |
| Net loans and leases to total assets | 80.3512% | 296 |
| Net loans and leases to deposits | 92.4117% | 523 |
| Net loans and leases to core deposits | 104.3645% | 525 |
| Total domestic deposits to total assets | 86.9492% | 2,352 |
| Equity capital to assets | 10.3778% | 2,511 |
| Core capital (leverage) ratio | 9.6718% | 2,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8276% | 2,991 |
| Memoranda: | ||
| Average total assets | $1,741,012,667 | 601 |
| Average earning assets | $1,621,663,667 | 589 |
| Average equity | $186,763,667 | 579 |
| Average total loans | $1,429,584,333 | 489 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2617% | 3,543 |
| Cost of funding earning assets | 0.3430% | 2,585 |
| Net interest margin | 2.9187% | 3,472 |
| Noninterest income to average assets | 1.5350% | 579 |
| Noninterest expense to average assets | 2.6377% | 1,772 |
| Loan and lease loss provision to assets | -0.2541% | 4,839 |
| Net operating income to assets | 1.3716% | 1,628 |
| Return on assets (ROA) | 1.3634% | 1,740 |
| Pretax return on assets | 1.8531% | 1,190 |
| Return on Equity (ROE) | 12.5029% | 1,832 |
| Retained earnings to average equity (ytd only) | 12.5029% | 1,026 |
| Net charge-offs to loans | 0.0751% | 824 |
| Credit loss provision to net charge-offs | -356.8773% | 3,088 |
| Earnings coverage of net charge-offs (x) | 25.9033% | 1,151 |
| Efficiency ratio | 61.9643% | 2,764 |
| Assets per employee ($millions) | 9.9715% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7983% | 4,412 |
| Loan loss allowance to noncurrent loans | 618.5908% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 3,651 |
| Noncurrent loans to loans | 0.1291% | 3,664 |
| Net loans and leases to total assets | 81.2756% | 262 |
| Net loans and leases to deposits | 94.1187% | 488 |
| Net loans and leases to core deposits | 106.4381% | 495 |
| Total domestic deposits to total assets | 86.3543% | 2,601 |
| Equity capital to assets | 11.0056% | 1,855 |
| Core capital (leverage) ratio | 10.3235% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7055% | 2,765 |
| Memoranda: | ||
| Average total assets | $1,731,822,000 | 599 |
| Average earning assets | $1,609,220,500 | 590 |
| Average equity | $188,852,500 | 565 |
| Average total loans | $1,432,401,000 | 489 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7094% | 3,553 |
| Cost of funding earning assets | 0.6191% | 2,189 |
| Net interest margin | 3.0904% | 3,653 |
| Noninterest income to average assets | 1.3587% | 631 |
| Noninterest expense to average assets | 2.7184% | 2,183 |
| Loan and lease loss provision to assets | 0.4116% | 737 |
| Net operating income to assets | 0.7973% | 3,105 |
| Return on assets (ROA) | 0.8043% | 3,192 |
| Pretax return on assets | 1.0970% | 2,702 |
| Return on Equity (ROE) | 7.6927% | 2,928 |
| Retained earnings to average equity (ytd only) | 3.7753% | 2,932 |
| Net charge-offs to loans | 0.0495% | 2,087 |
| Credit loss provision to net charge-offs | 1,023.8719% | 770 |
| Earnings coverage of net charge-offs (x) | 37.3057% | 1,440 |
| Efficiency ratio | 64.2746% | 2,777 |
| Assets per employee ($millions) | 9.9343% | 545 |
| Cash dividends to net income (ytd only)* | 50.9239% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8809% | 4,243 |
| Loan loss allowance to noncurrent loans | 489.2415% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 3,526 |
| Noncurrent loans to loans | 0.1801% | 3,570 |
| Net loans and leases to total assets | 82.7681% | 244 |
| Net loans and leases to deposits | 95.9362% | 557 |
| Net loans and leases to core deposits | 109.4636% | 528 |
| Total domestic deposits to total assets | 86.2741% | 2,242 |
| Equity capital to assets | 10.8026% | 2,428 |
| Core capital (leverage) ratio | 10.0653% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0816% | 2,902 |
| Memoranda: | ||
| Average total assets | $1,708,966,600 | 554 |
| Average earning assets | $1,581,237,000 | 551 |
| Average equity | $178,689,800 | 565 |
| Average total loans | $1,387,225,800 | 483 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7694% | 3,645 |
| Cost of funding earning assets | 0.6874% | 2,104 |
| Net interest margin | 3.0820% | 3,780 |
| Noninterest income to average assets | 1.3300% | 615 |
| Noninterest expense to average assets | 2.7148% | 2,215 |
| Loan and lease loss provision to assets | 0.5757% | 455 |
| Net operating income to assets | 0.6460% | 3,642 |
| Return on assets (ROA) | 0.6553% | 3,713 |
| Pretax return on assets | 0.9039% | 3,372 |
| Return on Equity (ROE) | 6.3203% | 3,442 |
| Retained earnings to average equity (ytd only) | 1.0459% | 4,242 |
| Net charge-offs to loans | 0.0398% | 2,058 |
| Credit loss provision to net charge-offs | 1,792.7007% | 532 |
| Earnings coverage of net charge-offs (x) | 45.7056% | 1,257 |
| Efficiency ratio | 64.7320% | 2,635 |
| Assets per employee ($millions) | 10.2436% | 470 |
| Cash dividends to net income (ytd only)* | 83.4526% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 4,009 |
| Loan loss allowance to noncurrent loans | 208.6929% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 2,704 |
| Noncurrent loans to loans | 0.4407% | 2,729 |
| Net loans and leases to total assets | 81.0340% | 516 |
| Net loans and leases to deposits | 93.3039% | 982 |
| Net loans and leases to core deposits | 105.4136% | 868 |
| Total domestic deposits to total assets | 86.8495% | 1,723 |
| Equity capital to assets | 10.2320% | 3,031 |
| Core capital (leverage) ratio | 9.7967% | 2,930 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0448% | 2,910 |
| Memoranda: | ||
| Average total assets | $1,706,549,250 | 546 |
| Average earning assets | $1,579,462,750 | 537 |
| Average equity | $176,948,000 | 562 |
| Average total loans | $1,375,251,250 | 482 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9213% | 3,559 |
| Cost of funding earning assets | 0.7868% | 1,895 |
| Net interest margin | 3.1345% | 3,825 |
| Noninterest income to average assets | 1.3359% | 576 |
| Noninterest expense to average assets | 2.8764% | 1,891 |
| Loan and lease loss provision to assets | 0.7978% | 309 |
| Net operating income to assets | 0.3972% | 4,235 |
| Return on assets (ROA) | 0.4097% | 4,276 |
| Pretax return on assets | 0.5731% | 4,110 |
| Return on Equity (ROE) | 3.9332% | 4,125 |
| Retained earnings to average equity (ytd only) | -4.0287% | 4,729 |
| Net charge-offs to loans | 0.0334% | 2,065 |
| Credit loss provision to net charge-offs | 2,979.6460% | 364 |
| Earnings coverage of net charge-offs (x) | 50.6106% | 1,095 |
| Efficiency ratio | 67.7903% | 2,264 |
| Assets per employee ($millions) | 10.6948% | 416 |
| Cash dividends to net income (ytd only)* | 202.4291% | 102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9067% | 3,976 |
| Loan loss allowance to noncurrent loans | 378.0862% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 3,563 |
| Noncurrent loans to loans | 0.2398% | 3,520 |
| Net loans and leases to total assets | 79.7724% | 614 |
| Net loans and leases to deposits | 91.8251% | 1,179 |
| Net loans and leases to core deposits | 105.4435% | 915 |
| Total domestic deposits to total assets | 86.8743% | 1,672 |
| Equity capital to assets | 9.9956% | 3,213 |
| Core capital (leverage) ratio | 9.4698% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6565% | 3,053 |
| Memoranda: | ||
| Average total assets | $1,688,099,333 | 541 |
| Average earning assets | $1,559,412,333 | 532 |
| Average equity | $175,838,333 | 558 |
| Average total loans | $1,353,338,667 | 478 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 3,632 |
| Cost of funding earning assets | 0.9125% | 1,805 |
| Net interest margin | 3.1448% | 3,997 |
| Noninterest income to average assets | 1.3180% | 515 |
| Noninterest expense to average assets | 2.8761% | 2,192 |
| Loan and lease loss provision to assets | 0.4546% | 661 |
| Net operating income to assets | 0.6391% | 3,477 |
| Return on assets (ROA) | 0.6394% | 3,541 |
| Pretax return on assets | 0.8888% | 3,167 |
| Return on Equity (ROE) | 6.0103% | 3,310 |
| Retained earnings to average equity (ytd only) | -9.8899% | 4,763 |
| Net charge-offs to loans | 0.0136% | 2,113 |
| Credit loss provision to net charge-offs | 4,180.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 123.4889% | 502 |
| Efficiency ratio | 67.9803% | 2,669 |
| Assets per employee ($millions) | 10.3655% | 342 |
| Cash dividends to net income (ytd only)* | 264.5503% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6106% | 4,740 |
| Loan loss allowance to noncurrent loans | 387.5596% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 4,005 |
| Noncurrent loans to loans | 0.1576% | 3,894 |
| Net loans and leases to total assets | 78.8117% | 858 |
| Net loans and leases to deposits | 93.2902% | 1,150 |
| Net loans and leases to core deposits | 108.4460% | 926 |
| Total domestic deposits to total assets | 84.4801% | 2,606 |
| Equity capital to assets | 10.3787% | 3,445 |
| Core capital (leverage) ratio | 10.0085% | 3,450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2669% | 3,281 |
| Memoranda: | ||
| Average total assets | $1,655,176,000 | 531 |
| Average earning assets | $1,526,814,500 | 522 |
| Average equity | $176,098,500 | 556 |
| Average total loans | $1,324,025,000 | 473 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5659% | 2,726 |
| Cost of funding earning assets | 1.0594% | 1,482 |
| Net interest margin | 3.5065% | 3,430 |
| Noninterest income to average assets | 1.4616% | 434 |
| Noninterest expense to average assets | 3.0646% | 1,840 |
| Loan and lease loss provision to assets | 0.0832% | 2,345 |
| Net operating income to assets | 1.0887% | 2,482 |
| Return on assets (ROA) | 1.0897% | 2,582 |
| Pretax return on assets | 1.4736% | 1,889 |
| Return on Equity (ROE) | 9.8287% | 2,373 |
| Retained earnings to average equity (ytd only) | 9.8287% | 525 |
| Net charge-offs to loans | 0.0213% | 2,990 |
| Credit loss provision to net charge-offs | 488.5827% | 598 |
| Earnings coverage of net charge-offs (x) | 91.3307% | 725 |
| Efficiency ratio | 66.1074% | 2,754 |
| Assets per employee ($millions) | 10.3894% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4453% | 4,951 |
| Loan loss allowance to noncurrent loans | 238.9727% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 3,877 |
| Noncurrent loans to loans | 0.1863% | 3,784 |
| Net loans and leases to total assets | 80.3513% | 740 |
| Net loans and leases to deposits | 92.9523% | 1,266 |
| Net loans and leases to core deposits | 106.0185% | 1,107 |
| Total domestic deposits to total assets | 86.4435% | 1,870 |
| Equity capital to assets | 10.9075% | 3,087 |
| Core capital (leverage) ratio | 10.3304% | 3,158 |
| Tier 1 risk-based capital ratio | 11.0742% | 4,829 |
| Total risk-based capital ratio | 11.4699% | 5,030 |
| Memoranda: | ||
| Average total assets | $1,491,203,000 | 554 |
| Average earning assets | $1,343,251,400 | 558 |
| Average equity | $165,322,400 | 559 |
| Average total loans | $1,193,629,000 | 492 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6278% | 2,634 |
| Cost of funding earning assets | 1.0792% | 1,432 |
| Net interest margin | 3.5486% | 3,411 |
| Noninterest income to average assets | 1.4670% | 423 |
| Noninterest expense to average assets | 2.9932% | 1,998 |
| Loan and lease loss provision to assets | 0.1028% | 1,865 |
| Net operating income to assets | 1.1477% | 2,379 |
| Return on assets (ROA) | 1.1490% | 2,464 |
| Pretax return on assets | 1.5477% | 1,819 |
| Return on Equity (ROE) | 10.3171% | 2,292 |
| Retained earnings to average equity (ytd only) | 10.3171% | 678 |
| Net charge-offs to loans | 0.0300% | 2,472 |
| Credit loss provision to net charge-offs | 428.6260% | 715 |
| Earnings coverage of net charge-offs (x) | 68.7375% | 968 |
| Efficiency ratio | 64.2492% | 2,964 |
| Assets per employee ($millions) | 10.1628% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4555% | 5,020 |
| Loan loss allowance to noncurrent loans | 570.6468% | 881 |
| Noncurrent assets plus other real estate owned to assets | 0.0913% | 4,259 |
| Noncurrent loans to loans | 0.0798% | 4,282 |
| Net loans and leases to total assets | 79.0548% | 984 |
| Net loans and leases to deposits | 91.4993% | 1,503 |
| Net loans and leases to core deposits | 105.2957% | 1,238 |
| Total domestic deposits to total assets | 86.3994% | 1,821 |
| Equity capital to assets | 10.9611% | 3,129 |
| Core capital (leverage) ratio | 10.7198% | 2,919 |
| Tier 1 risk-based capital ratio | 11.0173% | 4,900 |
| Total risk-based capital ratio | 11.4118% | 5,087 |
| Memoranda: | ||
| Average total assets | $1,456,220,250 | 566 |
| Average earning assets | $1,302,996,500 | 574 |
| Average equity | $162,174,000 | 572 |
| Average total loans | $1,162,911,500 | 508 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 2,559 |
| Cost of funding earning assets | 1.0753% | 1,397 |
| Net interest margin | 3.5614% | 3,394 |
| Noninterest income to average assets | 1.4753% | 413 |
| Noninterest expense to average assets | 3.1575% | 1,596 |
| Loan and lease loss provision to assets | 0.1102% | 1,697 |
| Net operating income to assets | 1.0512% | 2,716 |
| Return on assets (ROA) | 1.0517% | 2,785 |
| Pretax return on assets | 1.4102% | 2,169 |
| Return on Equity (ROE) | 9.3881% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.3881% | 938 |
| Net charge-offs to loans | 0.0309% | 2,235 |
| Credit loss provision to net charge-offs | 445.1429% | 657 |
| Earnings coverage of net charge-offs (x) | 61.3657% | 964 |
| Efficiency ratio | 67.2638% | 2,645 |
| Assets per employee ($millions) | 9.7473% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4582% | 5,063 |
| Loan loss allowance to noncurrent loans | 632.6790% | 833 |
| Noncurrent assets plus other real estate owned to assets | 0.0952% | 4,283 |
| Noncurrent loans to loans | 0.0724% | 4,356 |
| Net loans and leases to total assets | 80.3471% | 830 |
| Net loans and leases to deposits | 93.3245% | 1,334 |
| Net loans and leases to core deposits | 109.3232% | 1,011 |
| Total domestic deposits to total assets | 86.0943% | 1,978 |
| Equity capital to assets | 11.1610% | 2,898 |
| Core capital (leverage) ratio | 10.9033% | 2,689 |
| Tier 1 risk-based capital ratio | 11.2954% | 4,790 |
| Total risk-based capital ratio | 11.7032% | 5,039 |
| Memoranda: | ||
| Average total assets | $1,413,159,330 | 579 |
| Average earning assets | $1,270,557,000 | 587 |
| Average equity | $158,306,330 | 584 |
| Average total loans | $1,130,858,000 | 516 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6407% | 2,414 |
| Cost of funding earning assets | 1.0596% | 1,339 |
| Net interest margin | 3.5811% | 3,322 |
| Noninterest income to average assets | 1.6064% | 344 |
| Noninterest expense to average assets | 3.3910% | 1,123 |
| Loan and lease loss provision to assets | 0.1395% | 1,236 |
| Net operating income to assets | 0.9764% | 2,939 |
| Return on assets (ROA) | 0.9741% | 2,996 |
| Pretax return on assets | 1.2720% | 2,562 |
| Return on Equity (ROE) | 8.6782% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.6782% | 1,426 |
| Net charge-offs to loans | 0.0291% | 1,876 |
| Credit loss provision to net charge-offs | 601.2500% | 533 |
| Earnings coverage of net charge-offs (x) | 60.9500% | 906 |
| Efficiency ratio | 70.3248% | 2,288 |
| Assets per employee ($millions) | 9.4563% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 5,118 |
| Loan loss allowance to noncurrent loans | 403.0534% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.1252% | 4,172 |
| Noncurrent loans to loans | 0.1163% | 4,217 |
| Net loans and leases to total assets | 80.1334% | 816 |
| Net loans and leases to deposits | 93.3538% | 1,242 |
| Net loans and leases to core deposits | 109.8222% | 937 |
| Total domestic deposits to total assets | 85.8384% | 2,344 |
| Equity capital to assets | 11.2133% | 2,638 |
| Core capital (leverage) ratio | 10.5179% | 3,032 |
| Tier 1 risk-based capital ratio | 11.1481% | 4,911 |
| Total risk-based capital ratio | 11.5579% | 5,157 |
| Memoranda: | ||
| Average total assets | $1,378,946,500 | 594 |
| Average earning assets | $1,231,787,500 | 600 |
| Average equity | $154,779,500 | 594 |
| Average total loans | $1,098,342,500 | 529 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3093% | 3,070 |
| Cost of funding earning assets | 0.7901% | 1,576 |
| Net interest margin | 3.5193% | 3,637 |
| Noninterest income to average assets | 1.4402% | 437 |
| Noninterest expense to average assets | 2.9056% | 2,334 |
| Loan and lease loss provision to assets | 0.0139% | 3,865 |
| Net operating income to assets | 1.2661% | 1,927 |
| Return on assets (ROA) | 1.2640% | 1,926 |
| Pretax return on assets | 1.6620% | 1,272 |
| Return on Equity (ROE) | 11.4856% | 1,903 |
| Retained earnings to average equity (ytd only) | 4.4479% | 3,085 |
| Net charge-offs to loans | 0.0209% | 3,005 |
| Credit loss provision to net charge-offs | 85.3081% | 2,779 |
| Earnings coverage of net charge-offs (x) | 102.7156% | 731 |
| Efficiency ratio | 63.0708% | 3,331 |
| Assets per employee ($millions) | 9.2405% | 427 |
| Cash dividends to net income (ytd only)* | 61.2745% | 1,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4563% | 5,169 |
| Loan loss allowance to noncurrent loans | 295.1632% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,056 |
| Noncurrent loans to loans | 0.1546% | 4,048 |
| Net loans and leases to total assets | 78.4056% | 1,198 |
| Net loans and leases to deposits | 92.1465% | 1,527 |
| Net loans and leases to core deposits | 104.0931% | 1,406 |
| Total domestic deposits to total assets | 85.0879% | 2,610 |
| Equity capital to assets | 11.2359% | 2,479 |
| Core capital (leverage) ratio | 10.6748% | 2,860 |
| Tier 1 risk-based capital ratio | 11.4174% | 4,763 |
| Total risk-based capital ratio | 11.8150% | 5,051 |
| Memoranda: | ||
| Average total assets | $1,291,165,400 | 606 |
| Average earning assets | $1,153,454,800 | 617 |
| Average equity | $142,091,000 | 612 |
| Average total loans | $1,007,806,800 | 554 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1733% | 3,404 |
| Cost of funding earning assets | 0.7024% | 1,832 |
| Net interest margin | 3.4709% | 3,801 |
| Noninterest income to average assets | 1.4612% | 441 |
| Noninterest expense to average assets | 2.8743% | 2,382 |
| Loan and lease loss provision to assets | 0.0229% | 3,561 |
| Net operating income to assets | 1.2732% | 1,956 |
| Return on assets (ROA) | 1.2695% | 1,972 |
| Pretax return on assets | 1.6628% | 1,372 |
| Return on Equity (ROE) | 11.6008% | 1,954 |
| Retained earnings to average equity (ytd only) | 2.0402% | 4,571 |
| Net charge-offs to loans | 0.0198% | 2,750 |
| Credit loss provision to net charge-offs | 148.9796% | 1,721 |
| Earnings coverage of net charge-offs (x) | 109.9088% | 707 |
| Efficiency ratio | 62.6450% | 3,401 |
| Assets per employee ($millions) | 10.1048% | 319 |
| Cash dividends to net income (ytd only)* | 82.4131% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4789% | 5,214 |
| Loan loss allowance to noncurrent loans | 373.0740% | 1,395 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,282 |
| Noncurrent loans to loans | 0.1284% | 4,310 |
| Net loans and leases to total assets | 78.3121% | 1,294 |
| Net loans and leases to deposits | 92.8067% | 1,521 |
| Net loans and leases to core deposits | 111.0012% | 974 |
| Total domestic deposits to total assets | 84.3820% | 2,822 |
| Equity capital to assets | 10.6216% | 3,025 |
| Core capital (leverage) ratio | 9.9486% | 3,693 |
| Tier 1 risk-based capital ratio | 10.8055% | 5,129 |
| Total risk-based capital ratio | 11.2220% | 5,340 |
| Memoranda: | ||
| Average total assets | $1,274,368,000 | 615 |
| Average earning assets | $1,139,491,000 | 625 |
| Average equity | $139,457,750 | 617 |
| Average total loans | $992,281,500 | 562 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 3,485 |
| Cost of funding earning assets | 0.6075% | 2,178 |
| Net interest margin | 3.4827% | 3,696 |
| Noninterest income to average assets | 1.5047% | 426 |
| Noninterest expense to average assets | 2.9040% | 2,349 |
| Loan and lease loss provision to assets | 0.0494% | 2,925 |
| Net operating income to assets | 1.2509% | 1,977 |
| Return on assets (ROA) | 1.2459% | 1,996 |
| Pretax return on assets | 1.6519% | 1,333 |
| Return on Equity (ROE) | 11.2686% | 2,010 |
| Retained earnings to average equity (ytd only) | 2.6403% | 4,198 |
| Net charge-offs to loans | 0.0240% | 2,385 |
| Credit loss provision to net charge-offs | 265.8120% | 1,098 |
| Earnings coverage of net charge-offs (x) | 91.8034% | 739 |
| Efficiency ratio | 62.6353% | 3,542 |
| Assets per employee ($millions) | 9.6562% | 354 |
| Cash dividends to net income (ytd only)* | 76.5697% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5125% | 5,244 |
| Loan loss allowance to noncurrent loans | 358.9888% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.1530% | 4,223 |
| Noncurrent loans to loans | 0.1428% | 4,256 |
| Net loans and leases to total assets | 76.1234% | 1,617 |
| Net loans and leases to deposits | 87.9288% | 2,122 |
| Net loans and leases to core deposits | 103.9834% | 1,401 |
| Total domestic deposits to total assets | 86.5739% | 2,024 |
| Equity capital to assets | 10.7943% | 2,839 |
| Core capital (leverage) ratio | 10.4150% | 3,122 |
| Tier 1 risk-based capital ratio | 11.1417% | 4,975 |
| Total risk-based capital ratio | 11.5834% | 5,245 |
| Memoranda: | ||
| Average total assets | $1,257,912,670 | 627 |
| Average earning assets | $1,122,228,000 | 633 |
| Average equity | $139,076,330 | 618 |
| Average total loans | $975,831,330 | 570 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 3,385 |
| Cost of funding earning assets | 0.5401% | 2,478 |
| Net interest margin | 3.5186% | 3,468 |
| Noninterest income to average assets | 1.5941% | 386 |
| Noninterest expense to average assets | 2.9177% | 2,296 |
| Loan and lease loss provision to assets | 0.0719% | 2,326 |
| Net operating income to assets | 1.3256% | 1,559 |
| Return on assets (ROA) | 1.3198% | 1,583 |
| Pretax return on assets | 1.7282% | 1,050 |
| Return on Equity (ROE) | 11.7896% | 1,650 |
| Retained earnings to average equity (ytd only) | -5.5693% | 5,230 |
| Net charge-offs to loans | 0.0228% | 2,050 |
| Credit loss provision to net charge-offs | 403.6364% | 689 |
| Earnings coverage of net charge-offs (x) | 101.4727% | 606 |
| Efficiency ratio | 61.4188% | 3,886 |
| Assets per employee ($millions) | 9.8870% | 338 |
| Cash dividends to net income (ytd only)* | 147.2393% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5233% | 5,299 |
| Loan loss allowance to noncurrent loans | 488.6647% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1293% | 4,443 |
| Noncurrent loans to loans | 0.1071% | 4,497 |
| Net loans and leases to total assets | 77.6176% | 1,295 |
| Net loans and leases to deposits | 94.2187% | 1,206 |
| Net loans and leases to core deposits | 109.3618% | 1,039 |
| Total domestic deposits to total assets | 82.3802% | 3,849 |
| Equity capital to assets | 10.9880% | 2,594 |
| Core capital (leverage) ratio | 10.3289% | 3,153 |
| Tier 1 risk-based capital ratio | 11.0731% | 5,097 |
| Total risk-based capital ratio | 11.5237% | 5,346 |
| Memoranda: | ||
| Average total assets | $1,235,077,500 | 639 |
| Average earning assets | $1,099,079,000 | 646 |
| Average equity | $138,258,000 | 621 |
| Average total loans | $965,025,000 | 576 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7642% | 4,171 |
| Cost of funding earning assets | 0.4418% | 2,859 |
| Net interest margin | 3.3224% | 4,089 |
| Noninterest income to average assets | 1.5592% | 434 |
| Noninterest expense to average assets | 3.1734% | 1,671 |
| Loan and lease loss provision to assets | 0.0967% | 2,275 |
| Net operating income to assets | 1.1632% | 1,636 |
| Return on assets (ROA) | 1.1606% | 1,676 |
| Pretax return on assets | 1.2080% | 2,745 |
| Return on Equity (ROE) | 10.3474% | 1,751 |
| Retained earnings to average equity (ytd only) | 5.8213% | 1,644 |
| Net charge-offs to loans | 0.0582% | 2,644 |
| Credit loss provision to net charge-offs | 214.0449% | 1,278 |
| Earnings coverage of net charge-offs (x) | 28.9345% | 1,585 |
| Efficiency ratio | 70.4075% | 2,487 |
| Assets per employee ($millions) | 9.8741% | 332 |
| Cash dividends to net income (ytd only)* | 43.7413% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5138% | 5,370 |
| Loan loss allowance to noncurrent loans | 502.2449% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 0.1266% | 4,493 |
| Noncurrent loans to loans | 0.1023% | 4,529 |
| Net loans and leases to total assets | 77.8435% | 1,301 |
| Net loans and leases to deposits | 93.8712% | 1,288 |
| Net loans and leases to core deposits | 104.5628% | 1,372 |
| Total domestic deposits to total assets | 82.9259% | 3,587 |
| Equity capital to assets | 11.4041% | 2,280 |
| Core capital (leverage) ratio | 10.7847% | 2,551 |
| Tier 1 risk-based capital ratio | 11.3076% | 4,976 |
| Total risk-based capital ratio | 11.7468% | 5,276 |
| Memoranda: | ||
| Average total assets | $1,181,837,800 | 634 |
| Average earning assets | $1,039,286,400 | 651 |
| Average equity | $132,564,800 | 619 |
| Average total loans | $916,896,200 | 580 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7373% | 4,218 |
| Cost of funding earning assets | 0.4296% | 2,891 |
| Net interest margin | 3.3077% | 4,147 |
| Noninterest income to average assets | 1.5773% | 437 |
| Noninterest expense to average assets | 3.0230% | 2,053 |
| Loan and lease loss provision to assets | 0.1327% | 1,636 |
| Net operating income to assets | 0.8375% | 3,340 |
| Return on assets (ROA) | 0.8352% | 3,399 |
| Pretax return on assets | 1.3221% | 2,388 |
| Return on Equity (ROE) | 7.4790% | 3,401 |
| Retained earnings to average equity (ytd only) | 7.4790% | 1,439 |
| Net charge-offs to loans | 0.0668% | 2,170 |
| Credit loss provision to net charge-offs | 256.8282% | 1,110 |
| Earnings coverage of net charge-offs (x) | 28.2180% | 1,614 |
| Efficiency ratio | 67.0299% | 3,044 |
| Assets per employee ($millions) | 10.0164% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5345% | 5,423 |
| Loan loss allowance to noncurrent loans | 296.5192% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 4,543 |
| Noncurrent loans to loans | 0.1802% | 4,344 |
| Net loans and leases to total assets | 77.8194% | 1,296 |
| Net loans and leases to deposits | 92.3081% | 1,523 |
| Net loans and leases to core deposits | 103.9302% | 1,395 |
| Total domestic deposits to total assets | 84.3040% | 2,993 |
| Equity capital to assets | 11.5722% | 2,298 |
| Core capital (leverage) ratio | 10.6581% | 2,817 |
| Tier 1 risk-based capital ratio | 11.4650% | 4,979 |
| Total risk-based capital ratio | 11.9218% | 5,314 |
| Memoranda: | ||
| Average total assets | $1,171,199,250 | 640 |
| Average earning assets | $1,028,322,000 | 662 |
| Average equity | $130,798,250 | 630 |
| Average total loans | $906,612,250 | 587 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6298% | 4,430 |
| Cost of funding earning assets | 0.4022% | 3,049 |
| Net interest margin | 3.2276% | 4,330 |
| Noninterest income to average assets | 1.6233% | 428 |
| Noninterest expense to average assets | 3.0119% | 2,076 |
| Loan and lease loss provision to assets | 0.1402% | 1,464 |
| Net operating income to assets | 0.8248% | 3,271 |
| Return on assets (ROA) | 0.8214% | 3,346 |
| Pretax return on assets | 1.2929% | 2,411 |
| Return on Equity (ROE) | 7.4481% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.4481% | 1,375 |
| Net charge-offs to loans | 0.0391% | 2,417 |
| Credit loss provision to net charge-offs | 465.1429% | 699 |
| Earnings coverage of net charge-offs (x) | 47.7143% | 1,112 |
| Efficiency ratio | 67.2318% | 3,145 |
| Assets per employee ($millions) | 9.7810% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5184% | 5,493 |
| Loan loss allowance to noncurrent loans | 235.6973% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 4,489 |
| Noncurrent loans to loans | 0.2199% | 4,240 |
| Net loans and leases to total assets | 77.7313% | 1,282 |
| Net loans and leases to deposits | 93.9593% | 1,266 |
| Net loans and leases to core deposits | 104.9751% | 1,296 |
| Total domestic deposits to total assets | 82.7288% | 3,646 |
| Equity capital to assets | 11.1561% | 2,649 |
| Core capital (leverage) ratio | 10.6763% | 2,729 |
| Tier 1 risk-based capital ratio | 10.9237% | 5,294 |
| Total risk-based capital ratio | 11.3614% | 5,548 |
| Memoranda: | ||
| Average total assets | $1,160,942,000 | 645 |
| Average earning assets | $1,016,866,670 | 675 |
| Average equity | $128,032,670 | 648 |
| Average total loans | $895,352,000 | 597 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 4,484 |
| Cost of funding earning assets | 0.3757% | 3,244 |
| Net interest margin | 3.2000% | 4,347 |
| Noninterest income to average assets | 1.8292% | 355 |
| Noninterest expense to average assets | 3.0376% | 2,061 |
| Loan and lease loss provision to assets | 0.2786% | 512 |
| Net operating income to assets | 0.8418% | 3,031 |
| Return on assets (ROA) | 0.8336% | 3,122 |
| Pretax return on assets | 1.2923% | 2,263 |
| Return on Equity (ROE) | 7.6060% | 3,112 |
| Retained earnings to average equity (ytd only) | 7.6060% | 1,608 |
| Net charge-offs to loans | 0.0374% | 2,046 |
| Credit loss provision to net charge-offs | 971.6049% | 338 |
| Earnings coverage of net charge-offs (x) | 55.2346% | 847 |
| Efficiency ratio | 65.2880% | 3,620 |
| Assets per employee ($millions) | 10.2076% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5642% | 5,531 |
| Loan loss allowance to noncurrent loans | 209.5496% | 2,170 |
| Noncurrent assets plus other real estate owned to assets | 0.2129% | 4,368 |
| Noncurrent loans to loans | 0.2693% | 4,144 |
| Net loans and leases to total assets | 77.4629% | 1,205 |
| Net loans and leases to deposits | 91.6466% | 1,362 |
| Net loans and leases to core deposits | 101.4352% | 1,411 |
| Total domestic deposits to total assets | 84.5235% | 3,288 |
| Equity capital to assets | 10.9562% | 2,679 |
| Core capital (leverage) ratio | 10.2085% | 3,231 |
| Tier 1 risk-based capital ratio | 10.6676% | 5,475 |
| Total risk-based capital ratio | 11.1417% | 5,696 |
| Memoranda: | ||
| Average total assets | $1,130,098,500 | 668 |
| Average earning assets | $986,010,500 | 696 |
| Average equity | $123,850,000 | 665 |
| Average total loans | $865,369,000 | 617 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7187% | 4,158 |
| Cost of funding earning assets | 0.4699% | 2,354 |
| Net interest margin | 3.2487% | 4,303 |
| Noninterest income to average assets | 1.3518% | 627 |
| Noninterest expense to average assets | 3.5133% | 1,141 |
| Loan and lease loss provision to assets | 0.1475% | 1,688 |
| Net operating income to assets | 0.2887% | 5,247 |
| Return on assets (ROA) | 0.2912% | 5,310 |
| Pretax return on assets | 0.4632% | 5,099 |
| Return on Equity (ROE) | 2.8332% | 5,202 |
| Retained earnings to average equity (ytd only) | 2.8332% | 3,881 |
| Net charge-offs to loans | 0.0460% | 3,119 |
| Credit loss provision to net charge-offs | 438.4401% | 729 |
| Earnings coverage of net charge-offs (x) | 18.0390% | 1,993 |
| Efficiency ratio | 84.6579% | 946 |
| Assets per employee ($millions) | 9.4657% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5145% | 5,645 |
| Loan loss allowance to noncurrent loans | 408.1209% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,908 |
| Noncurrent loans to loans | 0.1261% | 4,735 |
| Net loans and leases to total assets | 74.8286% | 1,717 |
| Net loans and leases to deposits | 85.8880% | 2,188 |
| Net loans and leases to core deposits | 95.0574% | 2,002 |
| Total domestic deposits to total assets | 87.1235% | 2,076 |
| Equity capital to assets | 10.9623% | 2,655 |
| Core capital (leverage) ratio | 10.1162% | 3,345 |
| Tier 1 risk-based capital ratio | 10.9924% | 5,350 |
| Total risk-based capital ratio | 11.4228% | 5,642 |
| Memoranda: | ||
| Average total assets | $1,067,029,200 | 677 |
| Average earning assets | $909,278,600 | 728 |
| Average equity | $109,662,800 | 734 |
| Average total loans | $780,831,000 | 642 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 3,953 |
| Cost of funding earning assets | 0.4871% | 2,200 |
| Net interest margin | 3.3012% | 4,184 |
| Noninterest income to average assets | 1.3122% | 676 |
| Noninterest expense to average assets | 3.4681% | 1,205 |
| Loan and lease loss provision to assets | 0.2151% | 973 |
| Net operating income to assets | 0.2725% | 5,343 |
| Return on assets (ROA) | 0.2763% | 5,413 |
| Pretax return on assets | 0.4343% | 5,252 |
| Return on Equity (ROE) | 2.7363% | 5,290 |
| Retained earnings to average equity (ytd only) | 2.7363% | 4,253 |
| Net charge-offs to loans | 0.0788% | 2,194 |
| Credit loss provision to net charge-offs | 375.4967% | 883 |
| Earnings coverage of net charge-offs (x) | 11.2341% | 2,510 |
| Efficiency ratio | 83.7172% | 1,013 |
| Assets per employee ($millions) | 9.7128% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5154% | 5,715 |
| Loan loss allowance to noncurrent loans | 281.5772% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 4,864 |
| Noncurrent loans to loans | 0.1831% | 4,618 |
| Net loans and leases to total assets | 73.9821% | 1,871 |
| Net loans and leases to deposits | 92.0966% | 1,485 |
| Net loans and leases to core deposits | 102.5507% | 1,441 |
| Total domestic deposits to total assets | 80.3310% | 4,433 |
| Equity capital to assets | 10.8648% | 3,185 |
| Core capital (leverage) ratio | 9.8942% | 3,703 |
| Tier 1 risk-based capital ratio | 10.7345% | 5,507 |
| Total risk-based capital ratio | 11.1616% | 5,782 |
| Memoranda: | ||
| Average total assets | $1,054,549,750 | 684 |
| Average earning assets | $894,202,250 | 737 |
| Average equity | $106,467,750 | 750 |
| Average total loans | $766,009,250 | 650 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,934 |
| Cost of funding earning assets | 0.5078% | 2,043 |
| Net interest margin | 3.2985% | 4,240 |
| Noninterest income to average assets | 1.2711% | 706 |
| Noninterest expense to average assets | 3.4782% | 1,203 |
| Loan and lease loss provision to assets | 0.1548% | 1,478 |
| Net operating income to assets | 0.2610% | 5,412 |
| Return on assets (ROA) | 0.2691% | 5,469 |
| Pretax return on assets | 0.4203% | 5,306 |
| Return on Equity (ROE) | 2.7420% | 5,318 |
| Retained earnings to average equity (ytd only) | 2.7420% | 4,159 |
| Net charge-offs to loans | 0.0568% | 2,381 |
| Credit loss provision to net charge-offs | 378.5714% | 804 |
| Earnings coverage of net charge-offs (x) | 13.7571% | 2,102 |
| Efficiency ratio | 85.4004% | 933 |
| Assets per employee ($millions) | 8.7754% | 425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4715% | 5,829 |
| Loan loss allowance to noncurrent loans | 138.7533% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 4,398 |
| Noncurrent loans to loans | 0.3398% | 4,146 |
| Net loans and leases to total assets | 72.2662% | 2,123 |
| Net loans and leases to deposits | 91.1153% | 1,618 |
| Net loans and leases to core deposits | 103.1675% | 1,386 |
| Total domestic deposits to total assets | 79.3130% | 4,715 |
| Equity capital to assets | 11.0633% | 2,985 |
| Core capital (leverage) ratio | 10.2168% | 3,316 |
| Tier 1 risk-based capital ratio | 11.1747% | 5,328 |
| Total risk-based capital ratio | 11.5656% | 5,667 |
| Memoranda: | ||
| Average total assets | $1,027,265,330 | 700 |
| Average earning assets | $862,506,330 | 764 |
| Average equity | $100,801,000 | 789 |
| Average total loans | $739,648,670 | 674 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 4,127 |
| Cost of funding earning assets | 0.5207% | 1,939 |
| Net interest margin | 3.2324% | 4,463 |
| Noninterest income to average assets | 1.1446% | 841 |
| Noninterest expense to average assets | 3.0783% | 2,151 |
| Loan and lease loss provision to assets | 0.0611% | 2,721 |
| Net operating income to assets | 0.4826% | 4,701 |
| Return on assets (ROA) | 0.4810% | 4,804 |
| Pretax return on assets | 0.7659% | 4,322 |
| Return on Equity (ROE) | 5.2637% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.2637% | 2,779 |
| Net charge-offs to loans | 0.0401% | 2,197 |
| Credit loss provision to net charge-offs | 212.5000% | 1,039 |
| Earnings coverage of net charge-offs (x) | 28.8333% | 1,206 |
| Efficiency ratio | 78.0493% | 1,889 |
| Assets per employee ($millions) | 8.8811% | 406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4371% | 5,920 |
| Loan loss allowance to noncurrent loans | 88.5255% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 4,003 |
| Noncurrent loans to loans | 0.4937% | 3,692 |
| Net loans and leases to total assets | 71.8619% | 2,068 |
| Net loans and leases to deposits | 87.0775% | 1,932 |
| Net loans and leases to core deposits | 98.7400% | 1,583 |
| Total domestic deposits to total assets | 82.5264% | 4,059 |
| Equity capital to assets | 9.3485% | 4,840 |
| Core capital (leverage) ratio | 8.2954% | 5,573 |
| Tier 1 risk-based capital ratio | 9.3176% | 6,029 |
| Total risk-based capital ratio | 9.6830% | 6,068 |
| Memoranda: | ||
| Average total assets | $1,001,210,000 | 723 |
| Average earning assets | $855,832,500 | 773 |
| Average equity | $91,494,000 | 871 |
| Average total loans | $717,613,500 | 694 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7318% | 4,267 |
| Cost of funding earning assets | 0.5199% | 1,995 |
| Net interest margin | 3.2119% | 4,588 |
| Noninterest income to average assets | 0.3772% | 4,204 |
| Noninterest expense to average assets | 2.5114% | 4,192 |
| Loan and lease loss provision to assets | 0.1164% | 2,051 |
| Net operating income to assets | 0.3678% | 5,151 |
| Return on assets (ROA) | 0.3684% | 5,233 |
| Pretax return on assets | 0.5937% | 4,859 |
| Return on Equity (ROE) | 3.7149% | 5,059 |
| Retained earnings to average equity (ytd only) | 3.7149% | 3,407 |
| Net charge-offs to loans | 0.0741% | 2,772 |
| Credit loss provision to net charge-offs | 212.2622% | 1,332 |
| Earnings coverage of net charge-offs (x) | 12.9281% | 2,411 |
| Efficiency ratio | 77.4813% | 2,052 |
| Assets per employee ($millions) | 10.2059% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4423% | 5,965 |
| Loan loss allowance to noncurrent loans | 94.8554% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 4,078 |
| Noncurrent loans to loans | 0.4663% | 3,798 |
| Net loans and leases to total assets | 70.8457% | 2,236 |
| Net loans and leases to deposits | 86.4281% | 2,070 |
| Net loans and leases to core deposits | 98.0362% | 1,670 |
| Total domestic deposits to total assets | 81.9706% | 4,173 |
| Equity capital to assets | 8.9234% | 5,194 |
| Core capital (leverage) ratio | 8.3820% | 5,541 |
| Tier 1 risk-based capital ratio | 9.1930% | 6,086 |
| Total risk-based capital ratio | 11.1267% | 5,943 |
| Memoranda: | ||
| Average total assets | $862,189,400 | 798 |
| Average earning assets | $763,277,800 | 830 |
| Average equity | $85,493,000 | 893 |
| Average total loans | $638,735,600 | 731 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,240 |
| Cost of funding earning assets | 0.5214% | 2,031 |
| Net interest margin | 3.2339% | 4,564 |
| Noninterest income to average assets | 0.3212% | 4,644 |
| Noninterest expense to average assets | 2.4630% | 4,302 |
| Loan and lease loss provision to assets | 0.0581% | 3,025 |
| Net operating income to assets | 0.4169% | 5,101 |
| Return on assets (ROA) | 0.4177% | 5,185 |
| Pretax return on assets | 0.6721% | 4,771 |
| Return on Equity (ROE) | 4.0904% | 4,995 |
| Retained earnings to average equity (ytd only) | 4.0904% | 3,547 |
| Net charge-offs to loans | 0.0806% | 2,403 |
| Credit loss provision to net charge-offs | 96.2766% | 2,363 |
| Earnings coverage of net charge-offs (x) | 12.0718% | 2,436 |
| Efficiency ratio | 76.7307% | 2,122 |
| Assets per employee ($millions) | 9.7747% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3884% | 6,096 |
| Loan loss allowance to noncurrent loans | 113.9123% | 3,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3344% | 4,430 |
| Noncurrent loans to loans | 0.3410% | 4,391 |
| Net loans and leases to total assets | 75.7919% | 1,414 |
| Net loans and leases to deposits | 88.5195% | 1,834 |
| Net loans and leases to core deposits | 101.6891% | 1,399 |
| Total domestic deposits to total assets | 85.6217% | 2,726 |
| Equity capital to assets | 9.9162% | 4,268 |
| Core capital (leverage) ratio | 8.6522% | 5,407 |
| Tier 1 risk-based capital ratio | 9.7467% | 6,092 |
| Total risk-based capital ratio | 11.5305% | 5,894 |
| Memoranda: | ||
| Average total assets | $830,243,250 | 847 |
| Average earning assets | $737,012,250 | 868 |
| Average equity | $84,781,500 | 907 |
| Average total loans | $622,302,000 | 758 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 4,207 |
| Cost of funding earning assets | 0.5013% | 2,241 |
| Net interest margin | 3.2587% | 4,461 |
| Noninterest income to average assets | 0.2690% | 5,028 |
| Noninterest expense to average assets | 2.4164% | 4,494 |
| Loan and lease loss provision to assets | 0.0333% | 3,453 |
| Net operating income to assets | 0.4393% | 5,008 |
| Return on assets (ROA) | 0.4409% | 5,097 |
| Pretax return on assets | 0.7131% | 4,614 |
| Return on Equity (ROE) | 4.2735% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.2735% | 3,302 |
| Net charge-offs to loans | 0.0200% | 3,282 |
| Credit loss provision to net charge-offs | 222.9508% | 1,127 |
| Earnings coverage of net charge-offs (x) | 49.8197% | 960 |
| Efficiency ratio | 76.0186% | 2,351 |
| Assets per employee ($millions) | 9.0351% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4027% | 6,163 |
| Loan loss allowance to noncurrent loans | 103.0174% | 3,644 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 4,400 |
| Noncurrent loans to loans | 0.3910% | 4,308 |
| Net loans and leases to total assets | 75.9239% | 1,377 |
| Net loans and leases to deposits | 88.8009% | 1,744 |
| Net loans and leases to core deposits | 101.8367% | 1,341 |
| Total domestic deposits to total assets | 85.4991% | 2,920 |
| Equity capital to assets | 9.7820% | 4,296 |
| Core capital (leverage) ratio | 9.1173% | 4,797 |
| Tier 1 risk-based capital ratio | 9.8151% | 6,142 |
| Total risk-based capital ratio | 11.6453% | 5,904 |
| Memoranda: | ||
| Average total assets | $817,008,000 | 866 |
| Average earning assets | $724,900,670 | 888 |
| Average equity | $84,286,670 | 909 |
| Average total loans | $609,095,330 | 775 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7979% | 4,018 |
| Cost of funding earning assets | 0.4833% | 2,429 |
| Net interest margin | 3.3146% | 4,154 |
| Noninterest income to average assets | 0.3415% | 4,465 |
| Noninterest expense to average assets | 2.5384% | 4,147 |
| Loan and lease loss provision to assets | 0.0581% | 2,771 |
| Net operating income to assets | 0.4187% | 5,002 |
| Return on assets (ROA) | 0.4213% | 5,111 |
| Pretax return on assets | 0.6799% | 4,656 |
| Return on Equity (ROE) | 3.9711% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.9711% | 3,618 |
| Net charge-offs to loans | 0.1372% | 1,424 |
| Credit loss provision to net charge-offs | 57.5000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 7.2650% | 2,188 |
| Efficiency ratio | 77.1226% | 2,324 |
| Assets per employee ($millions) | 8.3380% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4239% | 6,228 |
| Loan loss allowance to noncurrent loans | 92.0308% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 0.4717% | 4,142 |
| Noncurrent loans to loans | 0.4606% | 4,201 |
| Net loans and leases to total assets | 74.3205% | 1,452 |
| Net loans and leases to deposits | 84.8442% | 1,974 |
| Net loans and leases to core deposits | 97.9705% | 1,480 |
| Total domestic deposits to total assets | 87.5964% | 2,046 |
| Equity capital to assets | 10.7020% | 3,318 |
| Core capital (leverage) ratio | 9.4232% | 4,390 |
| Tier 1 risk-based capital ratio | 10.6518% | 5,960 |
| Total risk-based capital ratio | 11.1711% | 6,151 |
| Memoranda: | ||
| Average total assets | $791,826,000 | 889 |
| Average earning assets | $700,179,000 | 919 |
| Average equity | $84,007,000 | 910 |
| Average total loans | $583,040,000 | 800 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 2,581 |
| Cost of funding earning assets | 0.4411% | 3,257 |
| Net interest margin | 3.8668% | 2,370 |
| Noninterest income to average assets | 0.2824% | 5,102 |
| Noninterest expense to average assets | 2.4331% | 4,749 |
| Loan and lease loss provision to assets | 0.1447% | 1,827 |
| Net operating income to assets | 0.7003% | 3,890 |
| Return on assets (ROA) | 0.6996% | 4,011 |
| Pretax return on assets | 1.1479% | 2,878 |
| Return on Equity (ROE) | 6.8049% | 3,745 |
| Retained earnings to average equity (ytd only) | 6.8049% | 1,494 |
| Net charge-offs to loans | 0.1533% | 2,508 |
| Credit loss provision to net charge-offs | 127.5085% | 1,878 |
| Earnings coverage of net charge-offs (x) | 11.3968% | 2,495 |
| Efficiency ratio | 64.8501% | 4,428 |
| Assets per employee ($millions) | 7.8370% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4512% | 6,295 |
| Loan loss allowance to noncurrent loans | 66.7353% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 3,971 |
| Noncurrent loans to loans | 0.6761% | 3,653 |
| Net loans and leases to total assets | 72.2994% | 1,858 |
| Net loans and leases to deposits | 84.6426% | 2,148 |
| Net loans and leases to core deposits | 98.3629% | 1,522 |
| Total domestic deposits to total assets | 85.4172% | 3,117 |
| Equity capital to assets | 10.5164% | 3,454 |
| Core capital (leverage) ratio | 9.2936% | 4,548 |
| Tier 1 risk-based capital ratio | 10.9150% | 5,941 |
| Total risk-based capital ratio | 11.3153% | 6,187 |
| Memoranda: | ||
| Average total assets | $781,393,000 | 867 |
| Average earning assets | $696,024,400 | 883 |
| Average equity | $80,338,800 | 916 |
| Average total loans | $578,777,000 | 763 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4713% | 1,974 |
| Cost of funding earning assets | 0.4267% | 3,503 |
| Net interest margin | 4.0446% | 1,740 |
| Noninterest income to average assets | 0.2689% | 5,281 |
| Noninterest expense to average assets | 2.3850% | 4,875 |
| Loan and lease loss provision to assets | 0.0794% | 2,757 |
| Net operating income to assets | 0.8602% | 3,122 |
| Return on assets (ROA) | 0.8606% | 3,212 |
| Pretax return on assets | 1.4121% | 1,960 |
| Return on Equity (ROE) | 8.4189% | 2,978 |
| Retained earnings to average equity (ytd only) | 8.4189% | 1,181 |
| Net charge-offs to loans | 0.1152% | 2,649 |
| Credit loss provision to net charge-offs | 92.6148% | 2,385 |
| Earnings coverage of net charge-offs (x) | 17.3853% | 1,905 |
| Efficiency ratio | 61.1121% | 5,019 |
| Assets per employee ($millions) | 7.5593% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3976% | 6,407 |
| Loan loss allowance to noncurrent loans | 36.5923% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 0.8689% | 3,253 |
| Noncurrent loans to loans | 1.0865% | 2,899 |
| Net loans and leases to total assets | 74.4229% | 1,452 |
| Net loans and leases to deposits | 85.2064% | 2,004 |
| Net loans and leases to core deposits | 100.7478% | 1,314 |
| Total domestic deposits to total assets | 87.3443% | 2,127 |
| Equity capital to assets | 10.5719% | 3,464 |
| Core capital (leverage) ratio | 8.9323% | 5,152 |
| Tier 1 risk-based capital ratio | 10.8343% | 6,075 |
| Total risk-based capital ratio | 12.0343% | 6,046 |
| Memoranda: | ||
| Average total assets | $778,856,000 | 873 |
| Average earning assets | $694,597,750 | 889 |
| Average equity | $79,613,000 | 926 |
| Average total loans | $579,753,000 | 760 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5349% | 1,718 |
| Cost of funding earning assets | 0.3992% | 3,874 |
| Net interest margin | 4.1357% | 1,410 |
| Noninterest income to average assets | 0.2722% | 5,255 |
| Noninterest expense to average assets | 2.2525% | 5,277 |
| Loan and lease loss provision to assets | 0.0028% | 4,156 |
| Net operating income to assets | 1.0400% | 2,162 |
| Return on assets (ROA) | 1.0406% | 2,223 |
| Pretax return on assets | 1.7098% | 998 |
| Return on Equity (ROE) | 10.2982% | 2,014 |
| Retained earnings to average equity (ytd only) | 10.2982% | 654 |
| Net charge-offs to loans | 0.0974% | 2,700 |
| Credit loss provision to net charge-offs | 3.9007% | 3,371 |
| Earnings coverage of net charge-offs (x) | 23.6383% | 1,462 |
| Efficiency ratio | 56.4156% | 5,702 |
| Assets per employee ($millions) | 7.5496% | 610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3402% | 6,518 |
| Loan loss allowance to noncurrent loans | 36.3462% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 3,543 |
| Noncurrent loans to loans | 0.9360% | 3,374 |
| Net loans and leases to total assets | 75.3895% | 1,253 |
| Net loans and leases to deposits | 86.0548% | 1,810 |
| Net loans and leases to core deposits | 99.8197% | 1,303 |
| Total domestic deposits to total assets | 87.6064% | 2,141 |
| Equity capital to assets | 10.0663% | 4,012 |
| Core capital (leverage) ratio | 8.9768% | 5,053 |
| Tier 1 risk-based capital ratio | 10.2387% | 6,325 |
| Total risk-based capital ratio | 11.1356% | 6,397 |
| Memoranda: | ||
| Average total assets | $778,940,000 | 869 |
| Average earning assets | $695,357,670 | 887 |
| Average equity | $78,713,000 | 928 |
| Average total loans | $579,079,670 | 757 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5872% | 1,537 |
| Cost of funding earning assets | 0.3828% | 4,162 |
| Net interest margin | 4.2044% | 1,207 |
| Noninterest income to average assets | 0.2961% | 4,992 |
| Noninterest expense to average assets | 1.9301% | 6,009 |
| Loan and lease loss provision to assets | -0.0638% | 6,463 |
| Net operating income to assets | 1.3311% | 1,142 |
| Return on assets (ROA) | 1.3321% | 1,184 |
| Pretax return on assets | 2.1902% | 358 |
| Return on Equity (ROE) | 13.1558% | 1,123 |
| Retained earnings to average equity (ytd only) | 13.1558% | 466 |
| Net charge-offs to loans | 0.0526% | 2,649 |
| Credit loss provision to net charge-offs | -164.8649% | 4,932 |
| Earnings coverage of net charge-offs (x) | 54.8784% | 705 |
| Efficiency ratio | 47.1871% | 6,392 |
| Assets per employee ($millions) | 7.1260% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3802% | 6,572 |
| Loan loss allowance to noncurrent loans | 50.5871% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 4,008 |
| Noncurrent loans to loans | 0.7516% | 3,988 |
| Net loans and leases to total assets | 74.0148% | 1,264 |
| Net loans and leases to deposits | 83.6240% | 1,858 |
| Net loans and leases to core deposits | 96.9992% | 1,311 |
| Total domestic deposits to total assets | 88.5091% | 1,933 |
| Equity capital to assets | 10.3668% | 3,377 |
| Core capital (leverage) ratio | 8.9938% | 5,020 |
| Tier 1 risk-based capital ratio | 10.5737% | 6,311 |
| Total risk-based capital ratio | 11.5328% | 6,353 |
| Memoranda: | ||
| Average total assets | $764,504,500 | 889 |
| Average earning assets | $683,472,000 | 904 |
| Average equity | $77,411,000 | 946 |
| Average total loans | $563,077,500 | 778 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5485% | 2,036 |
| Cost of funding earning assets | 0.3673% | 4,985 |
| Net interest margin | 4.1812% | 1,417 |
| Noninterest income to average assets | 0.2904% | 5,276 |
| Noninterest expense to average assets | 2.5035% | 4,754 |
| Loan and lease loss provision to assets | 0.0296% | 4,519 |
| Net operating income to assets | 0.9142% | 2,709 |
| Return on assets (ROA) | 0.9170% | 2,781 |
| Pretax return on assets | 1.5161% | 1,392 |
| Return on Equity (ROE) | 8.9136% | 2,589 |
| Retained earnings to average equity (ytd only) | 3.6165% | 3,649 |
| Net charge-offs to loans | 0.0761% | 4,147 |
| Credit loss provision to net charge-offs | 54.2500% | 3,724 |
| Earnings coverage of net charge-offs (x) | 28.2850% | 1,242 |
| Efficiency ratio | 61.4159% | 5,303 |
| Assets per employee ($millions) | 6.7834% | 858 |
| Cash dividends to net income (ytd only)* | 59.4265% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4204% | 6,624 |
| Loan loss allowance to noncurrent loans | 62.4801% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 0.6670% | 4,239 |
| Noncurrent loans to loans | 0.6729% | 4,292 |
| Net loans and leases to total assets | 72.7044% | 1,560 |
| Net loans and leases to deposits | 83.0685% | 2,045 |
| Net loans and leases to core deposits | 94.7517% | 1,542 |
| Total domestic deposits to total assets | 87.5234% | 2,463 |
| Equity capital to assets | 9.8857% | 3,920 |
| Core capital (leverage) ratio | 8.7693% | 5,333 |
| Tier 1 risk-based capital ratio | 10.3374% | 6,420 |
| Total risk-based capital ratio | 11.1862% | 6,500 |
| Memoranda: | ||
| Average total assets | $734,044,200 | 907 |
| Average earning assets | $659,114,400 | 914 |
| Average equity | $75,514,000 | 945 |
| Average total loans | $525,623,800 | 809 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5878% | 1,942 |
| Cost of funding earning assets | 0.3644% | 5,149 |
| Net interest margin | 4.2235% | 1,270 |
| Noninterest income to average assets | 0.3086% | 5,233 |
| Noninterest expense to average assets | 2.5106% | 4,687 |
| Loan and lease loss provision to assets | 0.0709% | 3,649 |
| Net operating income to assets | 0.9170% | 2,750 |
| Return on assets (ROA) | 0.9207% | 2,840 |
| Pretax return on assets | 1.5224% | 1,539 |
| Return on Equity (ROE) | 8.8588% | 2,707 |
| Retained earnings to average equity (ytd only) | 4.4409% | 3,512 |
| Net charge-offs to loans | 0.0743% | 3,881 |
| Credit loss provision to net charge-offs | 134.0278% | 1,757 |
| Earnings coverage of net charge-offs (x) | 30.0104% | 1,234 |
| Efficiency ratio | 60.7879% | 5,309 |
| Assets per employee ($millions) | 7.0787% | 715 |
| Cash dividends to net income (ytd only)* | 49.8704% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4943% | 6,660 |
| Loan loss allowance to noncurrent loans | 66.7426% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 4,016 |
| Noncurrent loans to loans | 0.7406% | 4,368 |
| Net loans and leases to total assets | 71.4206% | 1,698 |
| Net loans and leases to deposits | 80.3089% | 2,364 |
| Net loans and leases to core deposits | 91.5700% | 1,808 |
| Total domestic deposits to total assets | 88.9323% | 1,593 |
| Equity capital to assets | 10.2200% | 3,611 |
| Core capital (leverage) ratio | 9.0053% | 5,121 |
| Tier 1 risk-based capital ratio | 10.9063% | 6,318 |
| Total risk-based capital ratio | 11.5177% | 6,492 |
| Memoranda: | ||
| Average total assets | $725,923,000 | 920 |
| Average earning assets | $651,328,000 | 931 |
| Average equity | $75,448,250 | 958 |
| Average total loans | $517,116,500 | 824 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4749% | 2,291 |
| Cost of funding earning assets | 0.3703% | 5,223 |
| Net interest margin | 4.1046% | 1,527 |
| Noninterest income to average assets | 0.3616% | 4,802 |
| Noninterest expense to average assets | 2.5034% | 4,710 |
| Loan and lease loss provision to assets | 0.0655% | 3,716 |
| Net operating income to assets | 0.8888% | 2,851 |
| Return on assets (ROA) | 0.8943% | 2,975 |
| Pretax return on assets | 1.4767% | 1,686 |
| Return on Equity (ROE) | 8.5551% | 2,819 |
| Retained earnings to average equity (ytd only) | 1.9129% | 5,052 |
| Net charge-offs to loans | 0.0977% | 3,384 |
| Credit loss provision to net charge-offs | 94.4000% | 2,347 |
| Earnings coverage of net charge-offs (x) | 22.0880% | 1,388 |
| Efficiency ratio | 61.5231% | 5,244 |
| Assets per employee ($millions) | 7.2640% | 637 |
| Cash dividends to net income (ytd only)* | 77.6398% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4704% | 6,727 |
| Loan loss allowance to noncurrent loans | 52.3523% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 3,719 |
| Noncurrent loans to loans | 0.8985% | 4,132 |
| Net loans and leases to total assets | 73.5774% | 1,316 |
| Net loans and leases to deposits | 82.7817% | 1,953 |
| Net loans and leases to core deposits | 93.2451% | 1,597 |
| Total domestic deposits to total assets | 88.8813% | 1,695 |
| Equity capital to assets | 10.1420% | 3,731 |
| Core capital (leverage) ratio | 8.9199% | 5,115 |
| Tier 1 risk-based capital ratio | 10.5267% | 6,494 |
| Total risk-based capital ratio | 11.3686% | 6,582 |
| Memoranda: | ||
| Average total assets | $720,142,330 | 927 |
| Average earning assets | $644,835,000 | 943 |
| Average equity | $75,277,000 | 967 |
| Average total loans | $511,661,670 | 826 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2477% | 3,124 |
| Cost of funding earning assets | 0.3682% | 5,388 |
| Net interest margin | 3.8795% | 2,183 |
| Noninterest income to average assets | 0.4128% | 4,367 |
| Noninterest expense to average assets | 2.6527% | 4,233 |
| Loan and lease loss provision to assets | 0.0312% | 4,057 |
| Net operating income to assets | 0.7197% | 3,592 |
| Return on assets (ROA) | 0.7308% | 3,673 |
| Pretax return on assets | 1.2028% | 2,561 |
| Return on Equity (ROE) | 6.8875% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.8875% | 2,209 |
| Net charge-offs to loans | 0.1002% | 2,854 |
| Credit loss provision to net charge-offs | 44.8000% | 2,694 |
| Earnings coverage of net charge-offs (x) | 17.4480% | 1,315 |
| Efficiency ratio | 68.0507% | 4,297 |
| Assets per employee ($millions) | 7.6641% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4885% | 6,799 |
| Loan loss allowance to noncurrent loans | 51.9756% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.1664% | 3,617 |
| Noncurrent loans to loans | 0.9399% | 4,259 |
| Net loans and leases to total assets | 69.9266% | 1,672 |
| Net loans and leases to deposits | 78.7410% | 2,248 |
| Net loans and leases to core deposits | 88.8960% | 1,817 |
| Total domestic deposits to total assets | 88.8059% | 1,792 |
| Equity capital to assets | 10.6279% | 3,402 |
| Core capital (leverage) ratio | 9.0195% | 4,853 |
| Tier 1 risk-based capital ratio | 11.2398% | 6,290 |
| Total risk-based capital ratio | 11.6795% | 6,584 |
| Memoranda: | ||
| Average total assets | $717,014,500 | 942 |
| Average earning assets | $638,846,500 | 963 |
| Average equity | $76,080,000 | 962 |
| Average total loans | $498,997,000 | 851 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 5,154 |
| Cost of funding earning assets | 0.5707% | 4,636 |
| Net interest margin | 3.4768% | 4,596 |
| Noninterest income to average assets | 0.2621% | 5,591 |
| Noninterest expense to average assets | 2.1167% | 6,092 |
| Loan and lease loss provision to assets | 0.1375% | 3,900 |
| Net operating income to assets | 0.7303% | 3,604 |
| Return on assets (ROA) | 0.7329% | 3,837 |
| Pretax return on assets | 1.2156% | 2,745 |
| Return on Equity (ROE) | 7.3601% | 3,433 |
| Retained earnings to average equity (ytd only) | 7.3601% | 1,396 |
| Net charge-offs to loans | 0.2612% | 3,375 |
| Credit loss provision to net charge-offs | 66.6667% | 4,259 |
| Earnings coverage of net charge-offs (x) | 6.5417% | 2,796 |
| Efficiency ratio | 61.0760% | 5,377 |
| Assets per employee ($millions) | 6.4289% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5179% | 6,826 |
| Loan loss allowance to noncurrent loans | 58.6596% | 4,722 |
| Noncurrent assets plus other real estate owned to assets | 1.1637% | 3,717 |
| Noncurrent loans to loans | 0.8830% | 4,413 |
| Net loans and leases to total assets | 68.5541% | 2,094 |
| Net loans and leases to deposits | 78.1042% | 2,515 |
| Net loans and leases to core deposits | 88.9481% | 1,974 |
| Total domestic deposits to total assets | 87.7726% | 2,365 |
| Equity capital to assets | 10.5933% | 3,407 |
| Core capital (leverage) ratio | 12.3182% | 1,393 |
| Tier 1 risk-based capital ratio | 10.6720% | 6,489 |
| Total risk-based capital ratio | 11.1306% | 6,696 |
| Memoranda: | ||
| Average total assets | $465,525,800 | 1,420 |
| Average earning assets | $428,958,400 | 1,408 |
| Average equity | $46,357,800 | 1,504 |
| Average total loans | $367,506,800 | 1,137 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4613% | 3,772 |
| Cost of funding earning assets | 0.6330% | 4,334 |
| Net interest margin | 3.8283% | 3,216 |
| Noninterest income to average assets | 0.3066% | 5,330 |
| Noninterest expense to average assets | 2.3414% | 5,569 |
| Loan and lease loss provision to assets | 0.1639% | 3,470 |
| Net operating income to assets | 0.8465% | 3,228 |
| Return on assets (ROA) | 0.8505% | 3,468 |
| Pretax return on assets | 1.4086% | 2,206 |
| Return on Equity (ROE) | 8.7888% | 2,906 |
| Retained earnings to average equity (ytd only) | 8.7888% | 1,308 |
| Net charge-offs to loans | 0.2746% | 3,076 |
| Credit loss provision to net charge-offs | 71.5729% | 3,866 |
| Earnings coverage of net charge-offs (x) | 6.8398% | 2,702 |
| Efficiency ratio | 59.9188% | 5,514 |
| Assets per employee ($millions) | 8.8086% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7647% | 6,665 |
| Loan loss allowance to noncurrent loans | 103.4870% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.7989% | 4,710 |
| Noncurrent loans to loans | 0.7390% | 4,943 |
| Net loans and leases to total assets | 81.9747% | 343 |
| Net loans and leases to deposits | 91.3210% | 1,027 |
| Net loans and leases to core deposits | 108.6783% | 620 |
| Total domestic deposits to total assets | 89.7654% | 964 |
| Equity capital to assets | 9.5764% | 5,101 |
| Core capital (leverage) ratio | 9.7263% | 3,909 |
| Tier 1 risk-based capital ratio | 10.6981% | 6,601 |
| Total risk-based capital ratio | 11.4084% | 6,738 |
| Memoranda: | ||
| Average total assets | $403,506,250 | 1,636 |
| Average earning assets | $379,550,500 | 1,592 |
| Average equity | $39,048,750 | 1,793 |
| Average total loans | $336,445,500 | 1,264 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5253% | 3,662 |
| Cost of funding earning assets | 0.6607% | 4,357 |
| Net interest margin | 3.8646% | 3,066 |
| Noninterest income to average assets | 0.2795% | 5,574 |
| Noninterest expense to average assets | 2.3623% | 5,585 |
| Loan and lease loss provision to assets | 0.1365% | 3,812 |
| Net operating income to assets | 0.8478% | 3,156 |
| Return on assets (ROA) | 0.8532% | 3,394 |
| Pretax return on assets | 1.4133% | 2,152 |
| Return on Equity (ROE) | 8.7844% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.7844% | 1,346 |
| Net charge-offs to loans | 0.1469% | 3,734 |
| Credit loss provision to net charge-offs | 111.0656% | 2,448 |
| Earnings coverage of net charge-offs (x) | 12.5410% | 1,869 |
| Efficiency ratio | 60.5161% | 5,495 |
| Assets per employee ($millions) | 7.9896% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 6,618 |
| Loan loss allowance to noncurrent loans | 111.1367% | 2,910 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 5,074 |
| Noncurrent loans to loans | 0.7447% | 5,020 |
| Net loans and leases to total assets | 85.1097% | 175 |
| Net loans and leases to deposits | 94.6054% | 723 |
| Net loans and leases to core deposits | 112.1398% | 504 |
| Total domestic deposits to total assets | 89.9627% | 946 |
| Equity capital to assets | 9.6917% | 4,770 |
| Core capital (leverage) ratio | 9.8485% | 3,648 |
| Tier 1 risk-based capital ratio | 10.5406% | 6,680 |
| Total risk-based capital ratio | 11.3165% | 6,787 |
| Memoranda: | ||
| Average total assets | $397,071,330 | 1,668 |
| Average earning assets | $372,350,330 | 1,624 |
| Average equity | $38,568,330 | 1,810 |
| Average total loans | $332,171,000 | 1,279 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6532% | 3,247 |
| Cost of funding earning assets | 0.6788% | 4,477 |
| Net interest margin | 3.9744% | 2,612 |
| Noninterest income to average assets | 0.2654% | 5,750 |
| Noninterest expense to average assets | 2.4314% | 5,367 |
| Loan and lease loss provision to assets | 0.1419% | 3,581 |
| Net operating income to assets | 0.8402% | 3,197 |
| Return on assets (ROA) | 0.8350% | 3,455 |
| Pretax return on assets | 1.3892% | 2,222 |
| Return on Equity (ROE) | 8.5863% | 3,008 |
| Retained earnings to average equity (ytd only) | 8.5863% | 1,740 |
| Net charge-offs to loans | 0.1138% | 3,434 |
| Credit loss provision to net charge-offs | 151.0870% | 1,655 |
| Earnings coverage of net charge-offs (x) | 16.3913% | 1,370 |
| Efficiency ratio | 61.2339% | 5,419 |
| Assets per employee ($millions) | 7.8661% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 6,550 |
| Loan loss allowance to noncurrent loans | 138.6483% | 2,322 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 5,473 |
| Noncurrent loans to loans | 0.6451% | 5,352 |
| Net loans and leases to total assets | 80.4538% | 367 |
| Net loans and leases to deposits | 89.3631% | 1,026 |
| Net loans and leases to core deposits | 103.7317% | 780 |
| Total domestic deposits to total assets | 90.0302% | 1,068 |
| Equity capital to assets | 9.6058% | 4,641 |
| Core capital (leverage) ratio | 10.0055% | 3,362 |
| Tier 1 risk-based capital ratio | 10.9905% | 6,542 |
| Total risk-based capital ratio | 11.8241% | 6,700 |
| Memoranda: | ||
| Average total assets | $391,871,000 | 1,694 |
| Average earning assets | $365,337,500 | 1,662 |
| Average equity | $38,107,000 | 1,827 |
| Average total loans | $323,410,500 | 1,311 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5895% | 4,715 |
| Cost of funding earning assets | 0.7958% | 4,901 |
| Net interest margin | 3.7937% | 3,850 |
| Noninterest income to average assets | 0.3507% | 4,996 |
| Noninterest expense to average assets | 2.4236% | 5,712 |
| Loan and lease loss provision to assets | 0.4509% | 2,345 |
| Net operating income to assets | 0.6072% | 3,963 |
| Return on assets (ROA) | 0.6130% | 4,115 |
| Pretax return on assets | 1.0102% | 3,203 |
| Return on Equity (ROE) | 6.2740% | 3,743 |
| Retained earnings to average equity (ytd only) | 6.2740% | 1,865 |
| Net charge-offs to loans | 0.4933% | 3,021 |
| Credit loss provision to net charge-offs | 117.6307% | 2,736 |
| Earnings coverage of net charge-offs (x) | 3.7882% | 3,386 |
| Efficiency ratio | 62.5336% | 5,377 |
| Assets per employee ($millions) | 7.0846% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8924% | 6,551 |
| Loan loss allowance to noncurrent loans | 145.0405% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.5633% | 5,563 |
| Noncurrent loans to loans | 0.6153% | 5,484 |
| Net loans and leases to total assets | 83.1962% | 262 |
| Net loans and leases to deposits | 92.6596% | 909 |
| Net loans and leases to core deposits | 105.4287% | 822 |
| Total domestic deposits to total assets | 89.7869% | 1,108 |
| Equity capital to assets | 9.8487% | 4,373 |
| Core capital (leverage) ratio | 9.6711% | 3,776 |
| Tier 1 risk-based capital ratio | 10.8826% | 6,515 |
| Total risk-based capital ratio | 11.7136% | 6,680 |
| Memoranda: | ||
| Average total assets | $374,363,400 | 1,738 |
| Average earning assets | $347,840,200 | 1,710 |
| Average equity | $36,579,800 | 1,845 |
| Average total loans | $290,907,200 | 1,469 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 5,112 |
| Cost of funding earning assets | 0.8031% | 5,127 |
| Net interest margin | 3.7390% | 4,165 |
| Noninterest income to average assets | 0.3094% | 5,387 |
| Noninterest expense to average assets | 2.4140% | 5,725 |
| Loan and lease loss provision to assets | 0.3800% | 2,581 |
| Net operating income to assets | 0.6106% | 4,037 |
| Return on assets (ROA) | 0.6163% | 4,195 |
| Pretax return on assets | 1.0156% | 3,351 |
| Return on Equity (ROE) | 6.3203% | 3,864 |
| Retained earnings to average equity (ytd only) | 6.3203% | 2,354 |
| Net charge-offs to loans | 0.5049% | 2,741 |
| Credit loss provision to net charge-offs | 98.8816% | 3,457 |
| Earnings coverage of net charge-offs (x) | 3.6086% | 3,371 |
| Efficiency ratio | 63.5164% | 5,152 |
| Assets per employee ($millions) | 7.4474% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8288% | 6,761 |
| Loan loss allowance to noncurrent loans | 124.3308% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 5,703 |
| Noncurrent loans to loans | 0.6666% | 5,553 |
| Net loans and leases to total assets | 80.3664% | 483 |
| Net loans and leases to deposits | 89.5621% | 1,264 |
| Net loans and leases to core deposits | 101.0769% | 1,155 |
| Total domestic deposits to total assets | 89.7326% | 1,019 |
| Equity capital to assets | 9.6311% | 4,887 |
| Core capital (leverage) ratio | 9.7156% | 3,822 |
| Tier 1 risk-based capital ratio | 10.9125% | 6,595 |
| Total risk-based capital ratio | 11.6818% | 6,785 |
| Memoranda: | ||
| Average total assets | $372,312,000 | 1,750 |
| Average earning assets | $347,644,750 | 1,712 |
| Average equity | $36,305,250 | 1,861 |
| Average total loans | $283,346,750 | 1,515 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5230% | 5,281 |
| Cost of funding earning assets | 0.8187% | 5,253 |
| Net interest margin | 3.7044% | 4,245 |
| Noninterest income to average assets | 0.2711% | 5,703 |
| Noninterest expense to average assets | 2.4627% | 5,658 |
| Loan and lease loss provision to assets | 0.2951% | 3,041 |
| Net operating income to assets | 0.6101% | 4,009 |
| Return on assets (ROA) | 0.6174% | 4,102 |
| Pretax return on assets | 1.0084% | 3,210 |
| Return on Equity (ROE) | 6.3045% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.3045% | 2,242 |
| Net charge-offs to loans | 0.6765% | 2,146 |
| Credit loss provision to net charge-offs | 58.6580% | 4,374 |
| Earnings coverage of net charge-offs (x) | 2.5682% | 3,544 |
| Efficiency ratio | 65.5887% | 4,959 |
| Assets per employee ($millions) | 6.9543% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7632% | 6,933 |
| Loan loss allowance to noncurrent loans | 144.8993% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 6,130 |
| Noncurrent loans to loans | 0.5267% | 5,852 |
| Net loans and leases to total assets | 77.2133% | 883 |
| Net loans and leases to deposits | 86.0939% | 1,780 |
| Net loans and leases to core deposits | 97.8141% | 1,519 |
| Total domestic deposits to total assets | 89.6850% | 1,128 |
| Equity capital to assets | 9.7617% | 4,440 |
| Core capital (leverage) ratio | 9.7933% | 3,530 |
| Tier 1 risk-based capital ratio | 11.3083% | 6,315 |
| Total risk-based capital ratio | 12.0033% | 6,666 |
| Memoranda: | ||
| Average total assets | $367,327,670 | 1,780 |
| Average earning assets | $345,431,330 | 1,733 |
| Average equity | $35,974,330 | 1,863 |
| Average total loans | $273,185,000 | 1,584 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5713% | 5,073 |
| Cost of funding earning assets | 0.8075% | 5,536 |
| Net interest margin | 3.7638% | 3,783 |
| Noninterest income to average assets | 0.2731% | 5,723 |
| Noninterest expense to average assets | 2.5406% | 5,421 |
| Loan and lease loss provision to assets | 0.2566% | 3,091 |
| Net operating income to assets | 0.6475% | 3,763 |
| Return on assets (ROA) | 0.6475% | 3,841 |
| Pretax return on assets | 1.0484% | 2,954 |
| Return on Equity (ROE) | 6.6007% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.6007% | 2,322 |
| Net charge-offs to loans | 0.9739% | 1,383 |
| Credit loss provision to net charge-offs | 36.2928% | 4,015 |
| Earnings coverage of net charge-offs (x) | 1.8458% | 3,380 |
| Efficiency ratio | 66.0653% | 5,028 |
| Assets per employee ($millions) | 7.5613% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 6,839 |
| Loan loss allowance to noncurrent loans | 96.0784% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 5,568 |
| Noncurrent loans to loans | 0.8740% | 5,295 |
| Net loans and leases to total assets | 70.2750% | 2,076 |
| Net loans and leases to deposits | 78.2307% | 3,017 |
| Net loans and leases to core deposits | 88.4578% | 2,542 |
| Total domestic deposits to total assets | 89.8304% | 1,255 |
| Equity capital to assets | 9.7024% | 4,175 |
| Core capital (leverage) ratio | 9.7577% | 3,438 |
| Tier 1 risk-based capital ratio | 12.3621% | 5,385 |
| Total risk-based capital ratio | 13.1253% | 5,800 |
| Memoranda: | ||
| Average total assets | $363,226,500 | 1,812 |
| Average earning assets | $344,756,000 | 1,746 |
| Average equity | $35,632,500 | 1,864 |
| Average total loans | $263,683,000 | 1,653 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4628% | 6,488 |
| Cost of funding earning assets | 1.0834% | 5,238 |
| Net interest margin | 3.3794% | 5,703 |
| Noninterest income to average assets | 0.1808% | 6,455 |
| Noninterest expense to average assets | 2.5592% | 5,579 |
| Loan and lease loss provision to assets | 0.8687% | 1,877 |
| Net operating income to assets | -0.0336% | 5,901 |
| Return on assets (ROA) | -0.0099% | 5,971 |
| Pretax return on assets | -0.0163% | 5,915 |
| Return on Equity (ROE) | -0.1112% | 5,976 |
| Retained earnings to average equity (ytd only) | -0.1112% | 5,623 |
| Net charge-offs to loans | 0.9162% | 2,346 |
| Credit loss provision to net charge-offs | 136.6514% | 2,807 |
| Earnings coverage of net charge-offs (x) | 1.2826% | 4,819 |
| Efficiency ratio | 75.8382% | 3,076 |
| Assets per employee ($millions) | 6.8451% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9868% | 6,442 |
| Loan loss allowance to noncurrent loans | 94.9836% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 5,472 |
| Noncurrent loans to loans | 1.0389% | 4,994 |
| Net loans and leases to total assets | 73.6556% | 1,735 |
| Net loans and leases to deposits | 82.5150% | 2,710 |
| Net loans and leases to core deposits | 91.4748% | 2,558 |
| Total domestic deposits to total assets | 89.2633% | 1,509 |
| Equity capital to assets | 9.9220% | 3,851 |
| Core capital (leverage) ratio | 9.5455% | 3,653 |
| Tier 1 risk-based capital ratio | 12.0130% | 5,462 |
| Total risk-based capital ratio | 12.9072% | 5,771 |
| Memoranda: | ||
| Average total assets | $342,924,800 | 1,907 |
| Average earning assets | $324,082,000 | 1,839 |
| Average equity | $30,584,800 | 2,138 |
| Average total loans | $237,943,400 | 1,839 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 7,027 |
| Cost of funding earning assets | 1.1554% | 5,116 |
| Net interest margin | 3.0990% | 6,618 |
| Noninterest income to average assets | 0.1829% | 6,573 |
| Noninterest expense to average assets | 2.6924% | 4,912 |
| Loan and lease loss provision to assets | 1.0614% | 1,385 |
| Net operating income to assets | -0.3947% | 6,513 |
| Return on assets (ROA) | -0.3631% | 6,528 |
| Pretax return on assets | -0.5935% | 6,609 |
| Return on Equity (ROE) | -4.1946% | 6,581 |
| Retained earnings to average equity (ytd only) | -4.1946% | 6,482 |
| Net charge-offs to loans | 1.1567% | 1,765 |
| Credit loss provision to net charge-offs | 134.7956% | 2,991 |
| Earnings coverage of net charge-offs (x) | 0.5314% | 5,496 |
| Efficiency ratio | 86.5489% | 1,576 |
| Assets per employee ($millions) | 7.3031% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9001% | 6,742 |
| Loan loss allowance to noncurrent loans | 121.8720% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6222% | 5,887 |
| Noncurrent loans to loans | 0.7386% | 5,726 |
| Net loans and leases to total assets | 75.7674% | 1,452 |
| Net loans and leases to deposits | 84.9133% | 2,533 |
| Net loans and leases to core deposits | 95.2166% | 2,353 |
| Total domestic deposits to total assets | 89.2292% | 1,270 |
| Equity capital to assets | 9.4779% | 4,879 |
| Core capital (leverage) ratio | 8.7723% | 5,059 |
| Tier 1 risk-based capital ratio | 11.3635% | 6,046 |
| Total risk-based capital ratio | 12.8628% | 5,809 |
| Memoranda: | ||
| Average total assets | $339,669,250 | 1,952 |
| Average earning assets | $320,915,000 | 1,876 |
| Average equity | $29,401,750 | 2,244 |
| Average total loans | $231,232,250 | 1,911 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 7,224 |
| Cost of funding earning assets | 1.2459% | 4,858 |
| Net interest margin | 2.9118% | 6,991 |
| Noninterest income to average assets | 0.1854% | 6,578 |
| Noninterest expense to average assets | 2.6252% | 5,225 |
| Loan and lease loss provision to assets | 1.2700% | 1,098 |
| Net operating income to assets | -0.5906% | 6,732 |
| Return on assets (ROA) | -0.5906% | 6,766 |
| Pretax return on assets | -0.9632% | 6,870 |
| Return on Equity (ROE) | -7.0700% | 6,840 |
| Retained earnings to average equity (ytd only) | -7.0700% | 6,745 |
| Net charge-offs to loans | 1.2413% | 1,538 |
| Credit loss provision to net charge-offs | 157.4102% | 2,506 |
| Earnings coverage of net charge-offs (x) | 0.3802% | 5,358 |
| Efficiency ratio | 89.5366% | 1,371 |
| Assets per employee ($millions) | 7.5894% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 6,148 |
| Loan loss allowance to noncurrent loans | 50.7668% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 1.5468% | 4,139 |
| Noncurrent loans to loans | 2.0852% | 3,608 |
| Net loans and leases to total assets | 66.2451% | 3,784 |
| Net loans and leases to deposits | 73.3032% | 4,795 |
| Net loans and leases to core deposits | 81.4803% | 4,494 |
| Total domestic deposits to total assets | 90.3714% | 731 |
| Equity capital to assets | 9.2001% | 5,146 |
| Core capital (leverage) ratio | 9.5399% | 3,760 |
| Tier 1 risk-based capital ratio | 12.6646% | 4,717 |
| Total risk-based capital ratio | 13.6524% | 4,925 |
| Memoranda: | ||
| Average total assets | $331,174,670 | 2,004 |
| Average earning assets | $312,387,000 | 1,952 |
| Average equity | $27,666,000 | 2,358 |
| Average total loans | $215,249,670 | 2,079 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1602% | 7,308 |
| Cost of funding earning assets | 1.3917% | 4,231 |
| Net interest margin | 2.7685% | 7,227 |
| Noninterest income to average assets | 0.1678% | 6,765 |
| Noninterest expense to average assets | 2.6801% | 5,000 |
| Loan and lease loss provision to assets | 0.7183% | 1,773 |
| Net operating income to assets | -0.3852% | 6,747 |
| Return on assets (ROA) | -0.3852% | 6,787 |
| Pretax return on assets | -0.6281% | 6,859 |
| Return on Equity (ROE) | -4.8987% | 6,876 |
| Retained earnings to average equity (ytd only) | -4.8987% | 6,581 |
| Net charge-offs to loans | 0.7247% | 2,050 |
| Credit loss provision to net charge-offs | 155.2198% | 2,306 |
| Earnings coverage of net charge-offs (x) | 0.1951% | 4,864 |
| Efficiency ratio | 96.7416% | 985 |
| Assets per employee ($millions) | 7.4402% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 6,576 |
| Loan loss allowance to noncurrent loans | 87.5000% | 3,140 |
| Noncurrent assets plus other real estate owned to assets | 1.1782% | 4,819 |
| Noncurrent loans to loans | 1.1141% | 5,133 |
| Net loans and leases to total assets | 62.5552% | 4,647 |
| Net loans and leases to deposits | 70.0659% | 5,339 |
| Net loans and leases to core deposits | 78.5131% | 4,962 |
| Total domestic deposits to total assets | 89.2805% | 1,377 |
| Equity capital to assets | 8.5565% | 5,929 |
| Core capital (leverage) ratio | 9.0513% | 4,472 |
| Tier 1 risk-based capital ratio | 12.4238% | 4,819 |
| Total risk-based capital ratio | 15.5593% | 3,453 |
| Memoranda: | ||
| Average total assets | $314,616,500 | 2,163 |
| Average earning assets | $295,755,500 | 2,109 |
| Average equity | $24,741,500 | 2,637 |
| Average total loans | $200,921,000 | 2,273 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1412% | 5,916 |
| Cost of funding earning assets | 2.0784% | 2,580 |
| Net interest margin | 3.0628% | 6,484 |
| Noninterest income to average assets | 0.2294% | 6,468 |
| Noninterest expense to average assets | 2.3842% | 6,512 |
| Loan and lease loss provision to assets | 1.0768% | 2,128 |
| Net operating income to assets | -0.2552% | 5,905 |
| Return on assets (ROA) | -0.2216% | 5,857 |
| Pretax return on assets | -0.3573% | 5,881 |
| Return on Equity (ROE) | -3.2367% | 6,020 |
| Retained earnings to average equity (ytd only) | -3.2367% | 5,742 |
| Net charge-offs to loans | 1.2138% | 2,027 |
| Credit loss provision to net charge-offs | 124.8276% | 4,198 |
| Earnings coverage of net charge-offs (x) | 0.7733% | 5,332 |
| Efficiency ratio | 78.1379% | 3,170 |
| Assets per employee ($millions) | 8.3852% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9306% | 6,704 |
| Loan loss allowance to noncurrent loans | 37.6244% | 5,922 |
| Noncurrent assets plus other real estate owned to assets | 1.8551% | 3,587 |
| Noncurrent loans to loans | 2.4733% | 3,074 |
| Net loans and leases to total assets | 64.0105% | 4,594 |
| Net loans and leases to deposits | 70.6956% | 5,510 |
| Net loans and leases to core deposits | 84.8130% | 5,638 |
| Total domestic deposits to total assets | 90.5438% | 724 |
| Equity capital to assets | 7.1131% | 7,318 |
| Core capital (leverage) ratio | 7.2003% | 7,073 |
| Tier 1 risk-based capital ratio | 10.2573% | 6,629 |
| Total risk-based capital ratio | 13.5334% | 4,666 |
| Memoranda: | ||
| Average total assets | $268,942,400 | 2,428 |
| Average earning assets | $247,781,600 | 2,425 |
| Average equity | $18,414,000 | 3,440 |
| Average total loans | $191,131,600 | 2,394 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4104% | 4,893 |
| Cost of funding earning assets | 2.2042% | 2,397 |
| Net interest margin | 3.2062% | 5,999 |
| Noninterest income to average assets | 0.2419% | 6,502 |
| Noninterest expense to average assets | 2.4670% | 6,190 |
| Loan and lease loss provision to assets | 1.0080% | 1,907 |
| Net operating income to assets | -0.1863% | 6,039 |
| Return on assets (ROA) | -0.1401% | 5,986 |
| Pretax return on assets | -0.2235% | 6,009 |
| Return on Equity (ROE) | -2.0699% | 6,108 |
| Retained earnings to average equity (ytd only) | -2.0699% | 5,738 |
| Net charge-offs to loans | 1.2123% | 1,682 |
| Credit loss provision to net charge-offs | 113.9965% | 4,458 |
| Earnings coverage of net charge-offs (x) | 0.8057% | 5,248 |
| Efficiency ratio | 77.5937% | 3,225 |
| Assets per employee ($millions) | 8.3316% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8200% | 7,057 |
| Loan loss allowance to noncurrent loans | 48.9911% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.1673% | 4,744 |
| Noncurrent loans to loans | 1.6738% | 4,137 |
| Net loans and leases to total assets | 61.4289% | 5,339 |
| Net loans and leases to deposits | 67.9827% | 6,125 |
| Net loans and leases to core deposits | 88.5525% | 5,585 |
| Total domestic deposits to total assets | 90.3596% | 637 |
| Equity capital to assets | 7.0365% | 7,576 |
| Core capital (leverage) ratio | 7.0530% | 7,401 |
| Tier 1 risk-based capital ratio | 10.5115% | 6,456 |
| Total risk-based capital ratio | 13.8555% | 4,418 |
| Memoranda: | ||
| Average total assets | $260,711,500 | 2,524 |
| Average earning assets | $238,867,000 | 2,531 |
| Average equity | $17,649,500 | 3,586 |
| Average total loans | $190,154,250 | 2,426 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3695% | 5,305 |
| Cost of funding earning assets | 2.3461% | 2,178 |
| Net interest margin | 3.0234% | 6,479 |
| Noninterest income to average assets | 0.1605% | 7,126 |
| Noninterest expense to average assets | 2.5805% | 5,815 |
| Loan and lease loss provision to assets | 0.8825% | 1,910 |
| Net operating income to assets | -0.3508% | 6,399 |
| Return on assets (ROA) | -0.2787% | 6,317 |
| Pretax return on assets | -0.4481% | 6,369 |
| Return on Equity (ROE) | -4.1814% | 6,499 |
| Retained earnings to average equity (ytd only) | -4.1814% | 6,167 |
| Net charge-offs to loans | 0.1914% | 4,348 |
| Credit loss provision to net charge-offs | 597.2973% | 779 |
| Earnings coverage of net charge-offs (x) | 2.1784% | 3,982 |
| Efficiency ratio | 88.9103% | 1,915 |
| Assets per employee ($millions) | 7.5765% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0214% | 6,070 |
| Loan loss allowance to noncurrent loans | 52.3775% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.6949% | 3,637 |
| Noncurrent loans to loans | 1.9501% | 3,595 |
| Net loans and leases to total assets | 76.7032% | 2,015 |
| Net loans and leases to deposits | 84.9881% | 3,731 |
| Net loans and leases to core deposits | 109.9733% | 3,369 |
| Total domestic deposits to total assets | 90.2517% | 729 |
| Equity capital to assets | 7.0679% | 7,565 |
| Core capital (leverage) ratio | 7.3610% | 7,178 |
| Tier 1 risk-based capital ratio | 8.7218% | 7,809 |
| Total risk-based capital ratio | 11.9583% | 6,119 |
| Memoranda: | ||
| Average total assets | $250,413,000 | 2,630 |
| Average earning assets | $227,099,000 | 2,664 |
| Average equity | $16,693,000 | 3,776 |
| Average total loans | $193,335,000 | 2,424 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5637% | 4,555 |
| Cost of funding earning assets | 2.5146% | 1,862 |
| Net interest margin | 3.0491% | 6,343 |
| Noninterest income to average assets | 0.1639% | 7,132 |
| Noninterest expense to average assets | 2.5497% | 5,650 |
| Loan and lease loss provision to assets | 0.7858% | 1,634 |
| Net operating income to assets | -0.2927% | 6,670 |
| Return on assets (ROA) | -0.2959% | 6,749 |
| Pretax return on assets | -0.4681% | 6,801 |
| Return on Equity (ROE) | -4.5973% | 6,949 |
| Retained earnings to average equity (ytd only) | -4.5973% | 6,502 |
| Net charge-offs to loans | 0.1324% | 3,900 |
| Credit loss provision to net charge-offs | 770.4918% | 773 |
| Earnings coverage of net charge-offs (x) | 3.1639% | 3,267 |
| Efficiency ratio | 88.7660% | 1,827 |
| Assets per employee ($millions) | 6.9946% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 6,979 |
| Loan loss allowance to noncurrent loans | 38.5678% | 5,975 |
| Noncurrent assets plus other real estate owned to assets | 1.9501% | 2,983 |
| Noncurrent loans to loans | 2.1986% | 2,979 |
| Net loans and leases to total assets | 78.7166% | 1,642 |
| Net loans and leases to deposits | 86.6877% | 3,525 |
| Net loans and leases to core deposits | 108.7518% | 3,591 |
| Total domestic deposits to total assets | 90.8047% | 477 |
| Equity capital to assets | 6.5520% | 7,855 |
| Core capital (leverage) ratio | 6.6780% | 7,809 |
| Tier 1 risk-based capital ratio | 7.5833% | 8,047 |
| Total risk-based capital ratio | 10.7409% | 7,382 |
| Memoranda: | ||
| Average total assets | $239,242,500 | 2,776 |
| Average earning assets | $212,519,500 | 2,851 |
| Average equity | $15,400,500 | 4,061 |
| Average total loans | $184,317,500 | 2,540 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9066% | 6,007 |
| Cost of funding earning assets | 2.9905% | 1,898 |
| Net interest margin | 2.9161% | 7,118 |
| Noninterest income to average assets | 0.7198% | 2,989 |
| Noninterest expense to average assets | 2.7724% | 4,940 |
| Loan and lease loss provision to assets | 0.5547% | 2,596 |
| Net operating income to assets | -0.0180% | 6,398 |
| Return on assets (ROA) | -0.0132% | 6,251 |
| Pretax return on assets | -0.0275% | 6,184 |
| Return on Equity (ROE) | -0.1729% | 6,256 |
| Retained earnings to average equity (ytd only) | -0.1729% | 5,328 |
| Net charge-offs to loans | 0.4954% | 2,376 |
| Credit loss provision to net charge-offs | 151.0086% | 3,474 |
| Earnings coverage of net charge-offs (x) | 1.4150% | 5,413 |
| Efficiency ratio | 84.2122% | 2,029 |
| Assets per employee ($millions) | 7.0811% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 7,388 |
| Loan loss allowance to noncurrent loans | 57.1758% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 1.2535% | 3,719 |
| Noncurrent loans to loans | 1.2434% | 4,030 |
| Net loans and leases to total assets | 74.0524% | 3,091 |
| Net loans and leases to deposits | 80.9436% | 4,884 |
| Net loans and leases to core deposits | 101.4469% | 4,673 |
| Total domestic deposits to total assets | 91.4865% | 210 |
| Equity capital to assets | 6.3169% | 7,992 |
| Core capital (leverage) ratio | 6.8373% | 7,801 |
| Tier 1 risk-based capital ratio | 7.6876% | 8,115 |
| Total risk-based capital ratio | 10.1771% | 7,848 |
| Memoranda: | ||
| Average total assets | $188,932,400 | 3,281 |
| Average earning assets | $166,660,400 | 3,374 |
| Average equity | $14,461,200 | 4,244 |
| Average total loans | $140,075,400 | 3,098 |