Home > Essex Bank > Performance and Condition Ratios
Essex Bank, Performance and Condition Ratios
| 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 | 4.0098% | 1,513 |
| Cost of funding earning assets | 0.3938% | 1,748 |
| Net interest margin | 3.6160% | 1,560 |
| Noninterest income to average assets | 0.4358% | 2,907 |
| Noninterest expense to average assets | 2.1423% | 3,242 |
| Loan and lease loss provision to assets | -0.2057% | 4,756 |
| Net operating income to assets | 1.4918% | 1,292 |
| Return on assets (ROA) | 1.4906% | 1,342 |
| Pretax return on assets | 1.8731% | 996 |
| Return on Equity (ROE) | 14.2857% | 1,317 |
| Retained earnings to average equity (ytd only) | 11.6811% | 903 |
| Net charge-offs to loans | -0.0261% | 4,081 |
| Credit loss provision to net charge-offs | 1,108.7866% | 489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2109% | 3,500 |
| Assets per employee ($millions) | 7.6343% | 1,485 |
| Cash dividends to net income (ytd only)* | 18.2320% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8090% | 4,330 |
| Loan loss allowance to noncurrent loans | 230.0411% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 2,461 |
| Noncurrent loans to loans | 0.3517% | 2,517 |
| Net loans and leases to total assets | 69.8169% | 1,090 |
| Net loans and leases to deposits | 82.4081% | 1,080 |
| Net loans and leases to core deposits | 90.6905% | 997 |
| Total domestic deposits to total assets | 84.7209% | 3,207 |
| Equity capital to assets | 10.5201% | 2,443 |
| Core capital (leverage) ratio | 10.3330% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6517% | 2,482 |
| Memoranda: | ||
| Average total assets | $1,717,138,000 | 612 |
| Average earning assets | $1,602,859,750 | 600 |
| Average equity | $179,168,250 | 613 |
| Average total loans | $1,222,008,500 | 565 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0270% | 1,506 |
| Cost of funding earning assets | 0.4140% | 1,768 |
| Net interest margin | 3.6130% | 1,562 |
| Noninterest income to average assets | 0.4686% | 2,764 |
| Noninterest expense to average assets | 2.1676% | 3,194 |
| Loan and lease loss provision to assets | -0.1648% | 4,727 |
| Net operating income to assets | 1.4692% | 1,377 |
| Return on assets (ROA) | 1.4680% | 1,441 |
| Pretax return on assets | 1.8356% | 1,153 |
| Return on Equity (ROE) | 14.1101% | 1,380 |
| Retained earnings to average equity (ytd only) | 11.9605% | 929 |
| Net charge-offs to loans | -0.0109% | 3,702 |
| Credit loss provision to net charge-offs | 2,121.2121% | 278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4496% | 3,485 |
| Assets per employee ($millions) | 7.0729% | 1,751 |
| Cash dividends to net income (ytd only)* | 15.2341% | 2,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,086 |
| Loan loss allowance to noncurrent loans | 269.2883% | 2,053 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 2,641 |
| Noncurrent loans to loans | 0.3426% | 2,680 |
| Net loans and leases to total assets | 68.3333% | 1,410 |
| Net loans and leases to deposits | 80.4132% | 1,392 |
| Net loans and leases to core deposits | 88.3741% | 1,246 |
| Total domestic deposits to total assets | 84.9777% | 3,102 |
| Equity capital to assets | 10.3733% | 2,515 |
| Core capital (leverage) ratio | 10.2770% | 2,139 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1082% | 2,322 |
| Memoranda: | ||
| Average total assets | $1,699,127,667 | 615 |
| Average earning assets | $1,585,458,667 | 603 |
| Average equity | $176,781,667 | 615 |
| Average total loans | $1,213,791,333 | 568 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 1,448 |
| Cost of funding earning assets | 0.4491% | 1,729 |
| Net interest margin | 3.6255% | 1,514 |
| Noninterest income to average assets | 0.4362% | 2,890 |
| Noninterest expense to average assets | 2.1088% | 3,395 |
| Loan and lease loss provision to assets | -0.3350% | 4,876 |
| Net operating income to assets | 1.6222% | 1,080 |
| Return on assets (ROA) | 1.6252% | 1,124 |
| Pretax return on assets | 2.0430% | 887 |
| Return on Equity (ROE) | 15.5964% | 1,093 |
| Retained earnings to average equity (ytd only) | 14.4482% | 704 |
| Net charge-offs to loans | 0.0368% | 1,106 |
| Credit loss provision to net charge-offs | -1,250.0000% | 3,414 |
| Earnings coverage of net charge-offs (x) | 63.5893% | 799 |
| Efficiency ratio | 55.3059% | 3,632 |
| Assets per employee ($millions) | 7.0777% | 1,748 |
| Cash dividends to net income (ytd only)* | 7.3616% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8965% | 4,163 |
| Loan loss allowance to noncurrent loans | 284.0445% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4816% | 1,946 |
| Noncurrent loans to loans | 0.3156% | 2,971 |
| Net loans and leases to total assets | 71.4802% | 1,095 |
| Net loans and leases to deposits | 84.3347% | 1,113 |
| Net loans and leases to core deposits | 92.9407% | 1,045 |
| Total domestic deposits to total assets | 84.7578% | 3,203 |
| Equity capital to assets | 10.3604% | 2,384 |
| Core capital (leverage) ratio | 10.4343% | 2,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8292% | 2,357 |
| Memoranda: | ||
| Average total assets | $1,671,651,000 | 617 |
| Average earning assets | $1,556,970,500 | 605 |
| Average equity | $174,194,500 | 617 |
| Average total loans | $1,215,795,000 | 567 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 1,525 |
| Cost of funding earning assets | 0.8434% | 1,041 |
| Net interest margin | 3.5763% | 2,229 |
| Noninterest income to average assets | 0.4083% | 3,053 |
| Noninterest expense to average assets | 2.1811% | 3,717 |
| Loan and lease loss provision to assets | 0.2704% | 1,425 |
| Net operating income to assets | 1.0223% | 2,208 |
| Return on assets (ROA) | 1.0370% | 2,295 |
| Pretax return on assets | 1.2892% | 2,016 |
| Return on Equity (ROE) | 9.7784% | 2,080 |
| Retained earnings to average equity (ytd only) | 5.8703% | 1,862 |
| Net charge-offs to loans | 0.0249% | 2,544 |
| Credit loss provision to net charge-offs | 1,453.2872% | 577 |
| Earnings coverage of net charge-offs (x) | 82.8374% | 878 |
| Efficiency ratio | 58.5935% | 3,647 |
| Assets per employee ($millions) | 6.6583% | 1,810 |
| Cash dividends to net income (ytd only)* | 39.9665% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,738 |
| Loan loss allowance to noncurrent loans | 291.1463% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.5261% | 1,974 |
| Noncurrent loans to loans | 0.3558% | 2,926 |
| Net loans and leases to total assets | 72.5958% | 1,211 |
| Net loans and leases to deposits | 85.2843% | 1,312 |
| Net loans and leases to core deposits | 96.1176% | 1,111 |
| Total domestic deposits to total assets | 85.1221% | 2,711 |
| Equity capital to assets | 10.4829% | 2,688 |
| Core capital (leverage) ratio | 10.1430% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6059% | 2,398 |
| Memoranda: | ||
| Average total assets | $1,553,192,600 | 598 |
| Average earning assets | $1,439,382,400 | 587 |
| Average equity | $164,709,600 | 620 |
| Average total loans | $1,162,189,400 | 559 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4478% | 1,707 |
| Cost of funding earning assets | 0.9227% | 990 |
| Net interest margin | 3.5251% | 2,504 |
| Noninterest income to average assets | 0.4066% | 3,047 |
| Noninterest expense to average assets | 2.1898% | 3,700 |
| Loan and lease loss provision to assets | 0.3659% | 1,016 |
| Net operating income to assets | 0.8958% | 2,726 |
| Return on assets (ROA) | 0.9154% | 2,769 |
| Pretax return on assets | 1.1378% | 2,613 |
| Return on Equity (ROE) | 8.6057% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.7907% | 2,185 |
| Net charge-offs to loans | 0.0349% | 2,135 |
| Credit loss provision to net charge-offs | 1,395.3488% | 653 |
| Earnings coverage of net charge-offs (x) | 56.4053% | 1,125 |
| Efficiency ratio | 59.6837% | 3,432 |
| Assets per employee ($millions) | 6.6204% | 1,738 |
| Cash dividends to net income (ytd only)* | 32.7115% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 3,538 |
| Loan loss allowance to noncurrent loans | 247.9936% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 1,985 |
| Noncurrent loans to loans | 0.4174% | 2,804 |
| Net loans and leases to total assets | 73.5833% | 1,425 |
| Net loans and leases to deposits | 87.1279% | 1,578 |
| Net loans and leases to core deposits | 100.5221% | 1,124 |
| Total domestic deposits to total assets | 84.4544% | 2,654 |
| Equity capital to assets | 10.4298% | 2,851 |
| Core capital (leverage) ratio | 10.1901% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8767% | 2,256 |
| Memoranda: | ||
| Average total assets | $1,530,342,250 | 593 |
| Average earning assets | $1,416,285,750 | 580 |
| Average equity | $162,786,750 | 621 |
| Average total loans | $1,151,136,250 | 554 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 1,715 |
| Cost of funding earning assets | 1.0104% | 959 |
| Net interest margin | 3.5634% | 2,601 |
| Noninterest income to average assets | 0.4185% | 2,979 |
| Noninterest expense to average assets | 2.2127% | 3,740 |
| Loan and lease loss provision to assets | 0.5601% | 588 |
| Net operating income to assets | 0.7600% | 3,183 |
| Return on assets (ROA) | 0.7820% | 3,220 |
| Pretax return on assets | 0.9659% | 3,126 |
| Return on Equity (ROE) | 7.2999% | 3,010 |
| Retained earnings to average equity (ytd only) | 4.4106% | 2,742 |
| Net charge-offs to loans | 0.0690% | 1,557 |
| Credit loss provision to net charge-offs | 1,074.1688% | 753 |
| Earnings coverage of net charge-offs (x) | 28.7468% | 1,466 |
| Efficiency ratio | 59.6163% | 3,464 |
| Assets per employee ($millions) | 6.6183% | 1,695 |
| Cash dividends to net income (ytd only)* | 39.5805% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 3,379 |
| Loan loss allowance to noncurrent loans | 224.8549% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6191% | 1,964 |
| Noncurrent loans to loans | 0.4612% | 2,761 |
| Net loans and leases to total assets | 73.2459% | 1,516 |
| Net loans and leases to deposits | 86.7153% | 1,693 |
| Net loans and leases to core deposits | 96.9996% | 1,496 |
| Total domestic deposits to total assets | 84.4670% | 2,571 |
| Equity capital to assets | 10.1751% | 3,042 |
| Core capital (leverage) ratio | 10.2521% | 2,581 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8823% | 2,229 |
| Memoranda: | ||
| Average total assets | $1,499,789,333 | 591 |
| Average earning assets | $1,386,049,000 | 581 |
| Average equity | $160,658,667 | 626 |
| Average total loans | $1,132,846,333 | 555 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 1,427 |
| Cost of funding earning assets | 1.1001% | 1,046 |
| Net interest margin | 3.6963% | 2,337 |
| Noninterest income to average assets | 0.4363% | 2,871 |
| Noninterest expense to average assets | 2.3999% | 3,540 |
| Loan and lease loss provision to assets | 0.9152% | 251 |
| Net operating income to assets | 0.4437% | 4,040 |
| Return on assets (ROA) | 0.4346% | 4,102 |
| Pretax return on assets | 0.5184% | 4,089 |
| Return on Equity (ROE) | 3.9463% | 3,966 |
| Retained earnings to average equity (ytd only) | 1.1232% | 3,710 |
| Net charge-offs to loans | -0.0327% | 4,494 |
| Credit loss provision to net charge-offs | -3,666.6667% | 3,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4270% | 3,446 |
| Assets per employee ($millions) | 5.7904% | 1,848 |
| Cash dividends to net income (ytd only)* | 71.5380% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,325 |
| Loan loss allowance to noncurrent loans | 187.0509% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 1,803 |
| Noncurrent loans to loans | 0.5757% | 2,559 |
| Net loans and leases to total assets | 75.6847% | 1,354 |
| Net loans and leases to deposits | 90.0670% | 1,505 |
| Net loans and leases to core deposits | 101.8527% | 1,340 |
| Total domestic deposits to total assets | 84.0316% | 2,781 |
| Equity capital to assets | 10.9506% | 2,904 |
| Core capital (leverage) ratio | 10.9260% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8990% | 2,331 |
| Memoranda: | ||
| Average total assets | $1,442,253,500 | 585 |
| Average earning assets | $1,329,748,000 | 580 |
| Average equity | $158,831,000 | 626 |
| Average total loans | $1,101,663,000 | 547 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 1,415 |
| Cost of funding earning assets | 1.1718% | 1,089 |
| Net interest margin | 3.8527% | 2,323 |
| Noninterest income to average assets | 0.4121% | 3,219 |
| Noninterest expense to average assets | 2.5425% | 3,343 |
| Loan and lease loss provision to assets | 0.0230% | 3,559 |
| Net operating income to assets | 1.1349% | 2,311 |
| Return on assets (ROA) | 1.1484% | 2,360 |
| Pretax return on assets | 1.4093% | 2,123 |
| Return on Equity (ROE) | 10.8857% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.8857% | 348 |
| Net charge-offs to loans | 0.0831% | 1,925 |
| Credit loss provision to net charge-offs | 36.9738% | 3,227 |
| Earnings coverage of net charge-offs (x) | 22.7918% | 1,839 |
| Efficiency ratio | 64.2352% | 3,042 |
| Assets per employee ($millions) | 5.8413% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7866% | 4,345 |
| Loan loss allowance to noncurrent loans | 110.7599% | 3,110 |
| Noncurrent assets plus other real estate owned to assets | 0.8579% | 1,495 |
| Noncurrent loans to loans | 0.7102% | 2,099 |
| Net loans and leases to total assets | 75.6592% | 1,473 |
| Net loans and leases to deposits | 93.0005% | 1,258 |
| Net loans and leases to core deposits | 103.8859% | 1,236 |
| Total domestic deposits to total assets | 81.3535% | 3,694 |
| Equity capital to assets | 11.0757% | 2,923 |
| Core capital (leverage) ratio | 11.0338% | 2,473 |
| Tier 1 risk-based capital ratio | 13.1634% | 3,704 |
| Total risk-based capital ratio | 13.8565% | 3,892 |
| Memoranda: | ||
| Average total assets | $1,415,199,800 | 577 |
| Average earning assets | $1,302,580,200 | 573 |
| Average equity | $149,297,000 | 626 |
| Average total loans | $1,057,587,200 | 545 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 1,426 |
| Cost of funding earning assets | 1.1756% | 1,092 |
| Net interest margin | 3.8716% | 2,361 |
| Noninterest income to average assets | 0.4019% | 3,303 |
| Noninterest expense to average assets | 2.5765% | 3,227 |
| Loan and lease loss provision to assets | 0.0118% | 3,657 |
| Net operating income to assets | 1.1195% | 2,496 |
| Return on assets (ROA) | 1.1404% | 2,493 |
| Pretax return on assets | 1.4030% | 2,302 |
| Return on Equity (ROE) | 10.9489% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.9489% | 535 |
| Net charge-offs to loans | 0.0909% | 1,560 |
| Credit loss provision to net charge-offs | 17.4825% | 2,979 |
| Earnings coverage of net charge-offs (x) | 20.5608% | 1,953 |
| Efficiency ratio | 64.9743% | 2,868 |
| Assets per employee ($millions) | 5.7361% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8001% | 4,411 |
| Loan loss allowance to noncurrent loans | 121.5901% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 1,667 |
| Noncurrent loans to loans | 0.6580% | 2,312 |
| Net loans and leases to total assets | 74.5094% | 1,714 |
| Net loans and leases to deposits | 89.9263% | 1,703 |
| Net loans and leases to core deposits | 101.8753% | 1,512 |
| Total domestic deposits to total assets | 82.8561% | 3,211 |
| Equity capital to assets | 10.9027% | 3,194 |
| Core capital (leverage) ratio | 10.7248% | 2,913 |
| Tier 1 risk-based capital ratio | 13.0767% | 3,806 |
| Total risk-based capital ratio | 13.7810% | 3,997 |
| Memoranda: | ||
| Average total assets | $1,411,222,000 | 581 |
| Average earning assets | $1,298,931,000 | 578 |
| Average equity | $146,994,750 | 636 |
| Average total loans | $1,049,146,000 | 551 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 1,790 |
| Cost of funding earning assets | 1.1508% | 1,138 |
| Net interest margin | 3.7362% | 2,809 |
| Noninterest income to average assets | 0.3588% | 3,529 |
| Noninterest expense to average assets | 2.5423% | 3,349 |
| Loan and lease loss provision to assets | 0.0178% | 3,436 |
| Net operating income to assets | 1.0146% | 2,865 |
| Return on assets (ROA) | 1.0407% | 2,834 |
| Pretax return on assets | 1.2759% | 2,648 |
| Return on Equity (ROE) | 10.1515% | 2,319 |
| Retained earnings to average equity (ytd only) | 10.1515% | 714 |
| Net charge-offs to loans | 0.0554% | 1,850 |
| Credit loss provision to net charge-offs | 43.2526% | 2,518 |
| Earnings coverage of net charge-offs (x) | 30.7266% | 1,442 |
| Efficiency ratio | 66.8298% | 2,705 |
| Assets per employee ($millions) | 5.5680% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 4,278 |
| Loan loss allowance to noncurrent loans | 69.1768% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 1,422 |
| Noncurrent loans to loans | 1.2231% | 1,303 |
| Net loans and leases to total assets | 73.5025% | 1,960 |
| Net loans and leases to deposits | 86.3590% | 2,216 |
| Net loans and leases to core deposits | 97.6918% | 1,907 |
| Total domestic deposits to total assets | 85.1127% | 2,428 |
| Equity capital to assets | 10.4517% | 3,557 |
| Core capital (leverage) ratio | 10.4794% | 3,120 |
| Tier 1 risk-based capital ratio | 12.7328% | 3,993 |
| Total risk-based capital ratio | 13.4774% | 4,151 |
| Memoranda: | ||
| Average total assets | $1,407,447,330 | 581 |
| Average earning assets | $1,297,893,000 | 576 |
| Average equity | $144,294,330 | 640 |
| Average total loans | $1,042,701,330 | 551 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9112% | 1,560 |
| Cost of funding earning assets | 1.1251% | 1,105 |
| Net interest margin | 3.7861% | 2,581 |
| Noninterest income to average assets | 0.3540% | 3,492 |
| Noninterest expense to average assets | 2.5599% | 3,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0476% | 2,668 |
| Return on assets (ROA) | 1.0444% | 2,723 |
| Pretax return on assets | 1.2822% | 2,523 |
| Return on Equity (ROE) | 10.2894% | 2,245 |
| Retained earnings to average equity (ytd only) | 10.2894% | 967 |
| Net charge-offs to loans | 0.1246% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 13.9379% | 1,820 |
| Efficiency ratio | 66.5574% | 2,861 |
| Assets per employee ($millions) | 5.5711% | 1,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8517% | 4,338 |
| Loan loss allowance to noncurrent loans | 71.1450% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 0.9739% | 1,440 |
| Noncurrent loans to loans | 1.1972% | 1,382 |
| Net loans and leases to total assets | 73.3985% | 1,913 |
| Net loans and leases to deposits | 87.7190% | 1,909 |
| Net loans and leases to core deposits | 99.2893% | 1,682 |
| Total domestic deposits to total assets | 83.6746% | 3,160 |
| Equity capital to assets | 10.3201% | 3,508 |
| Core capital (leverage) ratio | 10.3328% | 3,241 |
| Tier 1 risk-based capital ratio | 12.7243% | 4,027 |
| Total risk-based capital ratio | 13.4735% | 4,208 |
| Memoranda: | ||
| Average total assets | $1,395,677,000 | 587 |
| Average earning assets | $1,287,335,500 | 583 |
| Average equity | $141,660,000 | 649 |
| Average total loans | $1,033,658,500 | 561 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7182% | 1,762 |
| Cost of funding earning assets | 0.9428% | 955 |
| Net interest margin | 3.7754% | 2,758 |
| Noninterest income to average assets | 0.3667% | 3,647 |
| Noninterest expense to average assets | 2.5866% | 3,373 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0378% | 2,855 |
| Return on assets (ROA) | 1.0420% | 2,823 |
| Pretax return on assets | 1.2776% | 2,590 |
| Return on Equity (ROE) | 10.7761% | 2,172 |
| Retained earnings to average equity (ytd only) | 10.7761% | 476 |
| Net charge-offs to loans | 0.0030% | 3,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 575.7000% | 191 |
| Efficiency ratio | 67.0275% | 2,707 |
| Assets per employee ($millions) | 5.2594% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,226 |
| Loan loss allowance to noncurrent loans | 80.5340% | 3,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8931% | 1,558 |
| Noncurrent loans to loans | 1.0995% | 1,473 |
| Net loans and leases to total assets | 73.3996% | 2,029 |
| Net loans and leases to deposits | 87.6379% | 2,094 |
| Net loans and leases to core deposits | 98.7617% | 1,811 |
| Total domestic deposits to total assets | 83.7533% | 3,065 |
| Equity capital to assets | 9.9739% | 3,705 |
| Core capital (leverage) ratio | 10.2248% | 3,332 |
| Tier 1 risk-based capital ratio | 12.5444% | 4,110 |
| Total risk-based capital ratio | 13.3309% | 4,264 |
| Memoranda: | ||
| Average total assets | $1,357,361,600 | 581 |
| Average earning assets | $1,255,587,800 | 580 |
| Average equity | $131,253,200 | 662 |
| Average total loans | $1,006,770,800 | 555 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 1,752 |
| Cost of funding earning assets | 0.9062% | 893 |
| Net interest margin | 3.7679% | 2,762 |
| Noninterest income to average assets | 0.3635% | 3,703 |
| Noninterest expense to average assets | 2.5671% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0488% | 2,869 |
| Return on assets (ROA) | 1.0555% | 2,858 |
| Pretax return on assets | 1.2910% | 2,660 |
| Return on Equity (ROE) | 11.0045% | 2,174 |
| Retained earnings to average equity (ytd only) | 11.0045% | 647 |
| Net charge-offs to loans | 0.0052% | 3,252 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 332.6327% | 283 |
| Efficiency ratio | 66.6778% | 2,764 |
| Assets per employee ($millions) | 5.0571% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 4,223 |
| Loan loss allowance to noncurrent loans | 86.0509% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.9140% | 1,616 |
| Noncurrent loans to loans | 1.0593% | 1,610 |
| Net loans and leases to total assets | 73.4999% | 2,074 |
| Net loans and leases to deposits | 87.3569% | 2,227 |
| Net loans and leases to core deposits | 97.3144% | 1,989 |
| Total domestic deposits to total assets | 84.1375% | 2,897 |
| Equity capital to assets | 9.8876% | 3,750 |
| Core capital (leverage) ratio | 10.0453% | 3,583 |
| Tier 1 risk-based capital ratio | 12.6359% | 4,133 |
| Total risk-based capital ratio | 13.4475% | 4,276 |
| Memoranda: | ||
| Average total assets | $1,348,268,000 | 585 |
| Average earning assets | $1,247,545,250 | 580 |
| Average equity | $129,314,000 | 666 |
| Average total loans | $1,000,429,500 | 559 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5837% | 1,830 |
| Cost of funding earning assets | 0.8612% | 868 |
| Net interest margin | 3.7225% | 2,850 |
| Noninterest income to average assets | 0.3578% | 3,763 |
| Noninterest expense to average assets | 2.6169% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9778% | 3,114 |
| Return on assets (ROA) | 0.9795% | 3,115 |
| Pretax return on assets | 1.1886% | 2,977 |
| Return on Equity (ROE) | 10.3193% | 2,415 |
| Retained earnings to average equity (ytd only) | 10.3193% | 835 |
| Net charge-offs to loans | -0.0240% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8037% | 2,515 |
| Assets per employee ($millions) | 5.0892% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9222% | 4,237 |
| Loan loss allowance to noncurrent loans | 80.9852% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 1,371 |
| Noncurrent loans to loans | 1.1387% | 1,540 |
| Net loans and leases to total assets | 73.7212% | 1,993 |
| Net loans and leases to deposits | 88.6318% | 2,026 |
| Net loans and leases to core deposits | 99.3206% | 1,788 |
| Total domestic deposits to total assets | 83.1769% | 3,355 |
| Equity capital to assets | 9.6388% | 3,973 |
| Core capital (leverage) ratio | 9.8195% | 3,766 |
| Tier 1 risk-based capital ratio | 12.2391% | 4,348 |
| Total risk-based capital ratio | 13.0639% | 4,498 |
| Memoranda: | ||
| Average total assets | $1,347,604,330 | 584 |
| Average earning assets | $1,247,387,670 | 579 |
| Average equity | $127,916,000 | 671 |
| Average total loans | $1,000,049,670 | 561 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5252% | 1,791 |
| Cost of funding earning assets | 0.8235% | 853 |
| Net interest margin | 3.7017% | 2,789 |
| Noninterest income to average assets | 0.3508% | 3,802 |
| Noninterest expense to average assets | 2.8123% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7970% | 3,711 |
| Return on assets (ROA) | 0.8044% | 3,693 |
| Pretax return on assets | 0.9734% | 3,625 |
| Return on Equity (ROE) | 8.5413% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.5413% | 1,647 |
| Net charge-offs to loans | 0.0004% | 2,715 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3,242.0000% | 17 |
| Efficiency ratio | 74.4624% | 1,829 |
| Assets per employee ($millions) | 5.1253% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 4,400 |
| Loan loss allowance to noncurrent loans | 78.8306% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 1.0935% | 1,420 |
| Noncurrent loans to loans | 1.1555% | 1,572 |
| Net loans and leases to total assets | 73.7097% | 1,909 |
| Net loans and leases to deposits | 90.8141% | 1,581 |
| Net loans and leases to core deposits | 102.2602% | 1,507 |
| Total domestic deposits to total assets | 81.1655% | 4,159 |
| Equity capital to assets | 9.3915% | 4,190 |
| Core capital (leverage) ratio | 9.6632% | 3,886 |
| Tier 1 risk-based capital ratio | 11.6264% | 4,786 |
| Total risk-based capital ratio | 12.4227% | 4,938 |
| Memoranda: | ||
| Average total assets | $1,344,543,500 | 593 |
| Average earning assets | $1,244,414,000 | 582 |
| Average equity | $126,632,500 | 675 |
| Average total loans | $996,438,500 | 561 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4902% | 1,735 |
| Cost of funding earning assets | 0.7588% | 795 |
| Net interest margin | 3.7314% | 2,669 |
| Noninterest income to average assets | 0.3522% | 3,952 |
| Noninterest expense to average assets | 2.6327% | 3,344 |
| Loan and lease loss provision to assets | 0.0428% | 3,391 |
| Net operating income to assets | 0.5757% | 4,114 |
| Return on assets (ROA) | 0.5862% | 4,110 |
| Pretax return on assets | 1.1371% | 3,032 |
| Return on Equity (ROE) | 6.1310% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.1310% | 1,465 |
| Net charge-offs to loans | 0.1161% | 1,883 |
| Credit loss provision to net charge-offs | 51.2104% | 3,315 |
| Earnings coverage of net charge-offs (x) | 13.9367% | 2,362 |
| Efficiency ratio | 67.5123% | 2,994 |
| Assets per employee ($millions) | 5.0606% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 4,319 |
| Loan loss allowance to noncurrent loans | 81.1272% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.0549% | 1,442 |
| Noncurrent loans to loans | 1.1458% | 1,552 |
| Net loans and leases to total assets | 73.1425% | 2,069 |
| Net loans and leases to deposits | 89.0394% | 1,891 |
| Net loans and leases to core deposits | 99.8825% | 1,724 |
| Total domestic deposits to total assets | 82.1462% | 3,833 |
| Equity capital to assets | 9.4453% | 4,273 |
| Core capital (leverage) ratio | 9.5904% | 3,925 |
| Tier 1 risk-based capital ratio | 11.7050% | 4,716 |
| Total risk-based capital ratio | 12.5239% | 4,873 |
| Memoranda: | ||
| Average total assets | $1,286,462,000 | 595 |
| Average earning assets | $1,187,390,800 | 592 |
| Average equity | $122,997,200 | 669 |
| Average total loans | $924,889,000 | 575 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4872% | 1,682 |
| Cost of funding earning assets | 0.7427% | 783 |
| Net interest margin | 3.7445% | 2,597 |
| Noninterest income to average assets | 0.3526% | 4,006 |
| Noninterest expense to average assets | 2.6668% | 3,180 |
| Loan and lease loss provision to assets | 0.0157% | 3,831 |
| Net operating income to assets | 0.8333% | 3,370 |
| Return on assets (ROA) | 0.8472% | 3,335 |
| Pretax return on assets | 1.1434% | 3,141 |
| Return on Equity (ROE) | 8.8334% | 2,709 |
| Retained earnings to average equity (ytd only) | 8.8334% | 900 |
| Net charge-offs to loans | 0.1431% | 1,392 |
| Credit loss provision to net charge-offs | 15.3689% | 3,190 |
| Earnings coverage of net charge-offs (x) | 11.1639% | 2,522 |
| Efficiency ratio | 67.6379% | 2,938 |
| Assets per employee ($millions) | 4.8824% | 2,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9479% | 4,336 |
| Loan loss allowance to noncurrent loans | 59.4183% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.3628% | 1,154 |
| Noncurrent loans to loans | 1.5953% | 1,152 |
| Net loans and leases to total assets | 71.6135% | 2,315 |
| Net loans and leases to deposits | 85.8012% | 2,320 |
| Net loans and leases to core deposits | 96.8663% | 1,991 |
| Total domestic deposits to total assets | 83.4645% | 3,301 |
| Equity capital to assets | 9.7959% | 4,156 |
| Core capital (leverage) ratio | 9.8772% | 3,722 |
| Tier 1 risk-based capital ratio | 12.4008% | 4,376 |
| Total risk-based capital ratio | 13.2351% | 4,513 |
| Memoranda: | ||
| Average total assets | $1,274,078,000 | 601 |
| Average earning assets | $1,175,369,000 | 596 |
| Average equity | $122,199,250 | 677 |
| Average total loans | $909,523,500 | 583 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4789% | 1,574 |
| Cost of funding earning assets | 0.7237% | 788 |
| Net interest margin | 3.7552% | 2,454 |
| Noninterest income to average assets | 0.3546% | 4,021 |
| Noninterest expense to average assets | 2.6602% | 3,236 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8664% | 3,091 |
| Return on assets (ROA) | 0.8821% | 3,068 |
| Pretax return on assets | 1.1768% | 2,867 |
| Return on Equity (ROE) | 9.2638% | 2,383 |
| Retained earnings to average equity (ytd only) | 9.2638% | 770 |
| Net charge-offs to loans | 0.0009% | 3,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,831.5000% | 28 |
| Efficiency ratio | 66.3386% | 3,296 |
| Assets per employee ($millions) | 5.0010% | 2,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 3,780 |
| Loan loss allowance to noncurrent loans | 68.9216% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 1,305 |
| Noncurrent loans to loans | 1.5407% | 1,209 |
| Net loans and leases to total assets | 69.9660% | 2,531 |
| Net loans and leases to deposits | 83.2537% | 2,570 |
| Net loans and leases to core deposits | 95.6387% | 2,011 |
| Total domestic deposits to total assets | 84.0394% | 3,183 |
| Equity capital to assets | 9.6251% | 4,289 |
| Core capital (leverage) ratio | 9.7345% | 3,856 |
| Tier 1 risk-based capital ratio | 12.3909% | 4,359 |
| Total risk-based capital ratio | 13.3236% | 4,461 |
| Memoranda: | ||
| Average total assets | $1,267,491,000 | 605 |
| Average earning assets | $1,168,401,670 | 601 |
| Average equity | $120,684,670 | 687 |
| Average total loans | $900,887,670 | 592 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4784% | 1,431 |
| Cost of funding earning assets | 0.7010% | 839 |
| Net interest margin | 3.7774% | 2,193 |
| Noninterest income to average assets | 0.3484% | 4,057 |
| Noninterest expense to average assets | 2.6762% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8026% | 3,211 |
| Return on assets (ROA) | 0.8238% | 3,162 |
| Pretax return on assets | 1.1805% | 2,678 |
| Return on Equity (ROE) | 8.7008% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.7008% | 1,190 |
| Net charge-offs to loans | -0.0089% | 4,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9704% | 3,500 |
| Assets per employee ($millions) | 5.2827% | 2,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0769% | 3,844 |
| Loan loss allowance to noncurrent loans | 77.5180% | 4,045 |
| Noncurrent assets plus other real estate owned to assets | 1.2751% | 1,339 |
| Noncurrent loans to loans | 1.3892% | 1,452 |
| Net loans and leases to total assets | 70.6691% | 2,268 |
| Net loans and leases to deposits | 84.6663% | 2,200 |
| Net loans and leases to core deposits | 98.1592% | 1,645 |
| Total domestic deposits to total assets | 83.4678% | 3,667 |
| Equity capital to assets | 9.5420% | 4,237 |
| Core capital (leverage) ratio | 9.7089% | 3,866 |
| Tier 1 risk-based capital ratio | 12.1677% | 4,607 |
| Total risk-based capital ratio | 13.1101% | 4,714 |
| Memoranda: | ||
| Average total assets | $1,256,103,500 | 612 |
| Average earning assets | $1,156,570,500 | 613 |
| Average equity | $118,932,000 | 693 |
| Average total loans | $895,113,500 | 600 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 1,609 |
| Cost of funding earning assets | 0.6770% | 924 |
| Net interest margin | 3.7994% | 2,320 |
| Noninterest income to average assets | 0.3980% | 3,902 |
| Noninterest expense to average assets | 2.7274% | 3,257 |
| Loan and lease loss provision to assets | 0.0139% | 4,107 |
| Net operating income to assets | 0.8299% | 3,160 |
| Return on assets (ROA) | 0.8681% | 3,098 |
| Pretax return on assets | 1.2064% | 2,636 |
| Return on Equity (ROE) | 8.9556% | 2,444 |
| Retained earnings to average equity (ytd only) | 6.8001% | 1,306 |
| Net charge-offs to loans | 0.0610% | 2,839 |
| Credit loss provision to net charge-offs | 32.1705% | 3,570 |
| Earnings coverage of net charge-offs (x) | 27.0678% | 1,529 |
| Efficiency ratio | 65.9349% | 3,597 |
| Assets per employee ($millions) | 5.1214% | 2,265 |
| Cash dividends to net income (ytd only)* | 24.0685% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0912% | 3,759 |
| Loan loss allowance to noncurrent loans | 77.6247% | 4,050 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 1,280 |
| Noncurrent loans to loans | 1.4058% | 1,446 |
| Net loans and leases to total assets | 70.3064% | 2,420 |
| Net loans and leases to deposits | 84.4962% | 2,361 |
| Net loans and leases to core deposits | 97.7729% | 1,780 |
| Total domestic deposits to total assets | 83.2066% | 3,696 |
| Equity capital to assets | 9.3939% | 4,377 |
| Core capital (leverage) ratio | 9.4956% | 4,086 |
| Tier 1 risk-based capital ratio | 12.0740% | 4,675 |
| Total risk-based capital ratio | 13.0286% | 4,773 |
| Memoranda: | ||
| Average total assets | $1,196,548,200 | 615 |
| Average earning assets | $1,101,233,000 | 607 |
| Average equity | $115,983,800 | 692 |
| Average total loans | $845,613,400 | 597 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4768% | 1,617 |
| Cost of funding earning assets | 0.6660% | 969 |
| Net interest margin | 3.8108% | 2,295 |
| Noninterest income to average assets | 0.4325% | 3,676 |
| Noninterest expense to average assets | 2.7794% | 3,082 |
| Loan and lease loss provision to assets | 0.0507% | 3,233 |
| Net operating income to assets | 0.8024% | 3,352 |
| Return on assets (ROA) | 0.8516% | 3,268 |
| Pretax return on assets | 1.1792% | 2,920 |
| Return on Equity (ROE) | 8.7147% | 2,654 |
| Retained earnings to average equity (ytd only) | 8.7147% | 905 |
| Net charge-offs to loans | 0.0845% | 2,118 |
| Credit loss provision to net charge-offs | 85.0662% | 2,605 |
| Earnings coverage of net charge-offs (x) | 19.4857% | 1,931 |
| Efficiency ratio | 66.4360% | 3,512 |
| Assets per employee ($millions) | 4.9347% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1516% | 3,531 |
| Loan loss allowance to noncurrent loans | 68.5046% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.6154% | 1,078 |
| Noncurrent loans to loans | 1.6810% | 1,255 |
| Net loans and leases to total assets | 71.0340% | 2,341 |
| Net loans and leases to deposits | 88.3203% | 1,977 |
| Net loans and leases to core deposits | 102.9877% | 1,418 |
| Total domestic deposits to total assets | 80.4277% | 4,412 |
| Equity capital to assets | 9.9780% | 4,145 |
| Core capital (leverage) ratio | 9.8892% | 3,708 |
| Tier 1 risk-based capital ratio | 12.3584% | 4,568 |
| Total risk-based capital ratio | 13.3683% | 4,627 |
| Memoranda: | ||
| Average total assets | $1,183,277,500 | 619 |
| Average earning assets | $1,089,405,500 | 609 |
| Average equity | $115,632,500 | 695 |
| Average total loans | $834,951,000 | 598 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4589% | 1,644 |
| Cost of funding earning assets | 0.6695% | 941 |
| Net interest margin | 3.7894% | 2,364 |
| Noninterest income to average assets | 0.4196% | 3,744 |
| Noninterest expense to average assets | 2.7810% | 3,086 |
| Loan and lease loss provision to assets | 0.0340% | 3,472 |
| Net operating income to assets | 0.7848% | 3,384 |
| Return on assets (ROA) | 0.8475% | 3,235 |
| Pretax return on assets | 1.1855% | 2,841 |
| Return on Equity (ROE) | 8.7357% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.7357% | 925 |
| Net charge-offs to loans | 0.0788% | 2,069 |
| Credit loss provision to net charge-offs | 61.5385% | 2,562 |
| Earnings coverage of net charge-offs (x) | 20.4708% | 1,725 |
| Efficiency ratio | 66.9448% | 3,547 |
| Assets per employee ($millions) | 4.8738% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1785% | 3,475 |
| Loan loss allowance to noncurrent loans | 60.6383% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 1.7872% | 968 |
| Noncurrent loans to loans | 1.9436% | 1,033 |
| Net loans and leases to total assets | 69.9312% | 2,495 |
| Net loans and leases to deposits | 86.7061% | 2,169 |
| Net loans and leases to core deposits | 100.6832% | 1,587 |
| Total domestic deposits to total assets | 80.6531% | 4,375 |
| Equity capital to assets | 9.9024% | 4,338 |
| Core capital (leverage) ratio | 9.7940% | 3,820 |
| Tier 1 risk-based capital ratio | 12.4123% | 4,587 |
| Total risk-based capital ratio | 13.4459% | 4,627 |
| Memoranda: | ||
| Average total assets | $1,176,348,330 | 620 |
| Average earning assets | $1,084,171,670 | 611 |
| Average equity | $114,129,330 | 707 |
| Average total loans | $824,848,000 | 603 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4605% | 1,627 |
| Cost of funding earning assets | 0.6766% | 907 |
| Net interest margin | 3.7838% | 2,353 |
| Noninterest income to average assets | 0.4216% | 3,675 |
| Noninterest expense to average assets | 2.7735% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8076% | 3,201 |
| Return on assets (ROA) | 0.8705% | 3,012 |
| Pretax return on assets | 1.2278% | 2,592 |
| Return on Equity (ROE) | 9.0674% | 2,396 |
| Retained earnings to average equity (ytd only) | 9.0674% | 1,098 |
| Net charge-offs to loans | -0.0171% | 4,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7162% | 3,680 |
| Assets per employee ($millions) | 4.8527% | 2,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 3,342 |
| Loan loss allowance to noncurrent loans | 63.3478% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 1.8110% | 1,021 |
| Noncurrent loans to loans | 1.9325% | 1,120 |
| Net loans and leases to total assets | 70.1106% | 2,322 |
| Net loans and leases to deposits | 86.7595% | 1,976 |
| Net loans and leases to core deposits | 101.8626% | 1,350 |
| Total domestic deposits to total assets | 80.8103% | 4,552 |
| Equity capital to assets | 9.8718% | 4,250 |
| Core capital (leverage) ratio | 9.6833% | 3,934 |
| Tier 1 risk-based capital ratio | 12.4526% | 4,615 |
| Total risk-based capital ratio | 13.5316% | 4,632 |
| Memoranda: | ||
| Average total assets | $1,169,918,500 | 623 |
| Average earning assets | $1,079,438,000 | 616 |
| Average equity | $112,314,000 | 718 |
| Average total loans | $816,499,500 | 606 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 1,542 |
| Cost of funding earning assets | 0.6686% | 969 |
| Net interest margin | 3.8493% | 2,202 |
| Noninterest income to average assets | 0.3148% | 4,640 |
| Noninterest expense to average assets | 4.2355% | 524 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.1970% | 5,963 |
| Return on assets (ROA) | -0.1708% | 5,971 |
| Pretax return on assets | -0.3752% | 6,007 |
| Return on Equity (ROE) | -1.7553% | 5,973 |
| Retained earnings to average equity (ytd only) | -1.7553% | 5,734 |
| Net charge-offs to loans | -0.0385% | 5,484 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.5723% | 179 |
| Assets per employee ($millions) | 4.6642% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 3,245 |
| Loan loss allowance to noncurrent loans | 61.7385% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 1.8438% | 1,019 |
| Noncurrent loans to loans | 2.0088% | 1,035 |
| Net loans and leases to total assets | 67.7720% | 2,734 |
| Net loans and leases to deposits | 84.2538% | 2,330 |
| Net loans and leases to core deposits | 98.5160% | 1,629 |
| Total domestic deposits to total assets | 80.4380% | 4,629 |
| Equity capital to assets | 9.3332% | 4,751 |
| Core capital (leverage) ratio | 9.5454% | 4,108 |
| Tier 1 risk-based capital ratio | 12.2561% | 4,786 |
| Total risk-based capital ratio | 13.3370% | 4,801 |
| Memoranda: | ||
| Average total assets | $1,156,075,400 | 608 |
| Average earning assets | $1,052,556,800 | 614 |
| Average equity | $112,514,600 | 680 |
| Average total loans | $757,681,600 | 617 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5624% | 1,430 |
| Cost of funding earning assets | 0.6719% | 974 |
| Net interest margin | 3.8905% | 2,063 |
| Noninterest income to average assets | 0.3028% | 4,769 |
| Noninterest expense to average assets | 4.7369% | 354 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.5266% | 6,144 |
| Return on assets (ROA) | -0.4997% | 6,140 |
| Pretax return on assets | -0.8623% | 6,174 |
| Return on Equity (ROE) | -5.0805% | 6,138 |
| Retained earnings to average equity (ytd only) | -5.0805% | 6,024 |
| Net charge-offs to loans | -0.0777% | 5,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2686% | 98 |
| Assets per employee ($millions) | 4.5049% | 3,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,855 |
| Loan loss allowance to noncurrent loans | 61.9224% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 1.9418% | 1,068 |
| Noncurrent loans to loans | 2.1793% | 1,021 |
| Net loans and leases to total assets | 64.8156% | 3,184 |
| Net loans and leases to deposits | 79.3703% | 2,948 |
| Net loans and leases to core deposits | 92.2192% | 2,239 |
| Total domestic deposits to total assets | 81.6623% | 4,270 |
| Equity capital to assets | 9.4573% | 4,803 |
| Core capital (leverage) ratio | 9.3043% | 4,580 |
| Tier 1 risk-based capital ratio | 12.5692% | 4,704 |
| Total risk-based capital ratio | 13.7197% | 4,680 |
| Memoranda: | ||
| Average total assets | $1,150,084,250 | 617 |
| Average earning assets | $1,043,431,250 | 619 |
| Average equity | $113,109,500 | 684 |
| Average total loans | $744,657,000 | 631 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6102% | 1,257 |
| Cost of funding earning assets | 0.6711% | 986 |
| Net interest margin | 3.9390% | 1,859 |
| Noninterest income to average assets | 0.3849% | 4,196 |
| Noninterest expense to average assets | 3.2488% | 1,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5320% | 4,644 |
| Return on assets (ROA) | 0.5702% | 4,577 |
| Pretax return on assets | 0.7482% | 4,501 |
| Return on Equity (ROE) | 5.7243% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.7243% | 2,399 |
| Net charge-offs to loans | -0.1611% | 5,954 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1140% | 2,052 |
| Assets per employee ($millions) | 4.7685% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3804% | 2,847 |
| Loan loss allowance to noncurrent loans | 61.5293% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 1,093 |
| Noncurrent loans to loans | 2.2435% | 1,062 |
| Net loans and leases to total assets | 63.7985% | 3,287 |
| Net loans and leases to deposits | 77.5487% | 3,089 |
| Net loans and leases to core deposits | 89.6169% | 2,383 |
| Total domestic deposits to total assets | 82.2690% | 4,202 |
| Equity capital to assets | 9.9152% | 4,133 |
| Core capital (leverage) ratio | 10.0521% | 3,529 |
| Tier 1 risk-based capital ratio | 13.9112% | 3,979 |
| Total risk-based capital ratio | 15.1196% | 3,933 |
| Memoranda: | ||
| Average total assets | $1,150,532,330 | 616 |
| Average earning assets | $1,040,354,670 | 623 |
| Average equity | $114,599,330 | 677 |
| Average total loans | $741,293,330 | 632 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5065% | 1,435 |
| Cost of funding earning assets | 0.6723% | 987 |
| Net interest margin | 3.8342% | 2,119 |
| Noninterest income to average assets | 0.3719% | 4,232 |
| Noninterest expense to average assets | 3.2798% | 1,769 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4268% | 4,963 |
| Return on assets (ROA) | 0.5066% | 4,771 |
| Pretax return on assets | 0.6542% | 4,744 |
| Return on Equity (ROE) | 5.0746% | 4,496 |
| Retained earnings to average equity (ytd only) | 5.0746% | 3,020 |
| Net charge-offs to loans | 0.1389% | 1,414 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.1641% | 2,322 |
| Efficiency ratio | 81.2807% | 1,715 |
| Assets per employee ($millions) | 4.8398% | 2,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 3,572 |
| Loan loss allowance to noncurrent loans | 45.1691% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.4501% | 883 |
| Noncurrent loans to loans | 2.8156% | 815 |
| Net loans and leases to total assets | 64.8070% | 2,972 |
| Net loans and leases to deposits | 80.0143% | 2,557 |
| Net loans and leases to core deposits | 92.9517% | 1,857 |
| Total domestic deposits to total assets | 80.9942% | 4,824 |
| Equity capital to assets | 10.1587% | 3,933 |
| Core capital (leverage) ratio | 9.9747% | 3,633 |
| Tier 1 risk-based capital ratio | 14.1291% | 3,929 |
| Total risk-based capital ratio | 15.2731% | 3,921 |
| Memoranda: | ||
| Average total assets | $1,146,420,500 | 616 |
| Average earning assets | $1,034,064,000 | 623 |
| Average equity | $114,452,500 | 671 |
| Average total loans | $737,131,500 | 631 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8780% | 959 |
| Cost of funding earning assets | 0.6517% | 1,392 |
| Net interest margin | 4.2264% | 1,227 |
| Noninterest income to average assets | 0.3746% | 4,388 |
| Noninterest expense to average assets | 3.2601% | 2,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6493% | 4,148 |
| Return on assets (ROA) | 0.7205% | 3,901 |
| Pretax return on assets | 0.9891% | 3,542 |
| Return on Equity (ROE) | 7.1346% | 3,555 |
| Retained earnings to average equity (ytd only) | -0.1754% | 5,797 |
| Net charge-offs to loans | 0.1696% | 2,334 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 8.4664% | 2,875 |
| Efficiency ratio | 74.4116% | 2,766 |
| Assets per employee ($millions) | 5.0238% | 2,290 |
| Cash dividends to net income (ytd only)* | 102.4590% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3400% | 3,233 |
| Loan loss allowance to noncurrent loans | 45.7107% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 2.5163% | 916 |
| Noncurrent loans to loans | 2.9315% | 778 |
| Net loans and leases to total assets | 62.1324% | 3,481 |
| Net loans and leases to deposits | 77.4586% | 3,031 |
| Net loans and leases to core deposits | 90.5513% | 2,229 |
| Total domestic deposits to total assets | 80.2137% | 4,963 |
| Equity capital to assets | 9.8110% | 4,336 |
| Core capital (leverage) ratio | 9.4980% | 4,240 |
| Tier 1 risk-based capital ratio | 13.7279% | 4,282 |
| Total risk-based capital ratio | 14.9239% | 4,246 |
| Memoranda: | ||
| Average total assets | $1,117,601,600 | 605 |
| Average earning assets | $998,803,200 | 608 |
| Average equity | $112,858,000 | 649 |
| Average total loans | $693,958,400 | 623 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 778 |
| Cost of funding earning assets | 0.6425% | 1,511 |
| Net interest margin | 4.3510% | 955 |
| Noninterest income to average assets | 0.2825% | 5,180 |
| Noninterest expense to average assets | 3.2686% | 1,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6381% | 4,267 |
| Return on assets (ROA) | 0.6803% | 4,130 |
| Pretax return on assets | 0.9520% | 3,788 |
| Return on Equity (ROE) | 6.6871% | 3,856 |
| Retained earnings to average equity (ytd only) | 3.6712% | 4,030 |
| Net charge-offs to loans | 0.1323% | 2,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 10.9089% | 2,491 |
| Efficiency ratio | 74.4130% | 2,757 |
| Assets per employee ($millions) | 4.9282% | 2,335 |
| Cash dividends to net income (ytd only)* | 45.1009% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 2,963 |
| Loan loss allowance to noncurrent loans | 72.7738% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.9578% | 1,478 |
| Noncurrent loans to loans | 1.9867% | 1,602 |
| Net loans and leases to total assets | 61.8990% | 3,499 |
| Net loans and leases to deposits | 75.6226% | 3,224 |
| Net loans and leases to core deposits | 89.9969% | 2,226 |
| Total domestic deposits to total assets | 81.8525% | 4,530 |
| Equity capital to assets | 10.2703% | 3,826 |
| Core capital (leverage) ratio | 9.8933% | 3,827 |
| Tier 1 risk-based capital ratio | 14.4859% | 3,896 |
| Total risk-based capital ratio | 15.6922% | 3,865 |
| Memoranda: | ||
| Average total assets | $1,108,131,500 | 607 |
| Average earning assets | $987,825,000 | 609 |
| Average equity | $112,731,500 | 647 |
| Average total loans | $685,528,000 | 627 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9691% | 796 |
| Cost of funding earning assets | 0.6368% | 1,610 |
| Net interest margin | 4.3323% | 967 |
| Noninterest income to average assets | 0.2964% | 5,041 |
| Noninterest expense to average assets | 3.2779% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6214% | 4,242 |
| Return on assets (ROA) | 0.6703% | 4,090 |
| Pretax return on assets | 0.9396% | 3,726 |
| Return on Equity (ROE) | 6.6104% | 3,830 |
| Retained earnings to average equity (ytd only) | 4.2821% | 3,450 |
| Net charge-offs to loans | 0.0850% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 16.6493% | 1,779 |
| Efficiency ratio | 74.8348% | 2,833 |
| Assets per employee ($millions) | 4.9537% | 2,277 |
| Cash dividends to net income (ytd only)* | 35.2208% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5238% | 2,786 |
| Loan loss allowance to noncurrent loans | 65.8742% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 2.2886% | 1,311 |
| Noncurrent loans to loans | 2.3131% | 1,398 |
| Net loans and leases to total assets | 61.6940% | 3,452 |
| Net loans and leases to deposits | 75.0100% | 3,190 |
| Net loans and leases to core deposits | 87.7681% | 2,333 |
| Total domestic deposits to total assets | 82.2477% | 4,569 |
| Equity capital to assets | 10.2898% | 3,708 |
| Core capital (leverage) ratio | 9.9006% | 3,742 |
| Tier 1 risk-based capital ratio | 14.6522% | 3,836 |
| Total risk-based capital ratio | 15.8583% | 3,809 |
| Memoranda: | ||
| Average total assets | $1,101,320,000 | 614 |
| Average earning assets | $979,294,670 | 612 |
| Average equity | $111,673,000 | 644 |
| Average total loans | $677,764,330 | 632 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8820% | 897 |
| Cost of funding earning assets | 0.6310% | 1,726 |
| Net interest margin | 4.2510% | 1,095 |
| Noninterest income to average assets | 0.2514% | 5,354 |
| Noninterest expense to average assets | 3.2221% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5704% | 4,348 |
| Return on assets (ROA) | 0.6625% | 3,974 |
| Pretax return on assets | 0.9380% | 3,561 |
| Return on Equity (ROE) | 6.5829% | 3,690 |
| Retained earnings to average equity (ytd only) | 1.8627% | 4,848 |
| Net charge-offs to loans | 0.0204% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 65.0588% | 621 |
| Efficiency ratio | 75.6210% | 2,856 |
| Assets per employee ($millions) | 5.1235% | 2,097 |
| Cash dividends to net income (ytd only)* | 71.7044% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6370% | 2,554 |
| Loan loss allowance to noncurrent loans | 65.3588% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 2.2985% | 1,426 |
| Noncurrent loans to loans | 2.5047% | 1,382 |
| Net loans and leases to total assets | 59.4232% | 3,648 |
| Net loans and leases to deposits | 72.2000% | 3,315 |
| Net loans and leases to core deposits | 86.6121% | 2,249 |
| Total domestic deposits to total assets | 82.3036% | 4,851 |
| Equity capital to assets | 10.1258% | 3,691 |
| Core capital (leverage) ratio | 9.8301% | 3,820 |
| Tier 1 risk-based capital ratio | 15.6855% | 3,344 |
| Total risk-based capital ratio | 16.8875% | 3,327 |
| Memoranda: | ||
| Average total assets | $1,094,685,500 | 621 |
| Average earning assets | $973,132,500 | 624 |
| Average equity | $110,165,000 | 652 |
| Average total loans | $667,509,000 | 642 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 791 |
| Cost of funding earning assets | 0.7045% | 1,779 |
| Net interest margin | 4.3751% | 951 |
| Noninterest income to average assets | 0.2346% | 5,668 |
| Noninterest expense to average assets | 3.3210% | 2,088 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5374% | 4,569 |
| Return on assets (ROA) | 0.5698% | 4,520 |
| Pretax return on assets | 0.8144% | 4,092 |
| Return on Equity (ROE) | 5.5890% | 4,334 |
| Retained earnings to average equity (ytd only) | -1.2701% | 6,098 |
| Net charge-offs to loans | 0.3706% | 1,822 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 3.4703% | 3,843 |
| Efficiency ratio | 76.4018% | 2,719 |
| Assets per employee ($millions) | 4.9001% | 2,311 |
| Cash dividends to net income (ytd only)* | 122.7244% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6321% | 2,642 |
| Loan loss allowance to noncurrent loans | 65.5746% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.3534% | 1,478 |
| Noncurrent loans to loans | 2.4890% | 1,522 |
| Net loans and leases to total assets | 60.5449% | 3,622 |
| Net loans and leases to deposits | 73.7814% | 3,296 |
| Net loans and leases to core deposits | 89.1719% | 2,119 |
| Total domestic deposits to total assets | 82.0598% | 4,852 |
| Equity capital to assets | 10.0006% | 3,771 |
| Core capital (leverage) ratio | 9.5030% | 4,262 |
| Tier 1 risk-based capital ratio | 15.6067% | 3,302 |
| Total risk-based capital ratio | 16.8089% | 3,290 |
| Memoranda: | ||
| Average total assets | $1,118,313,600 | 588 |
| Average earning assets | $985,204,400 | 606 |
| Average equity | $114,009,400 | 620 |
| Average total loans | $667,752,400 | 631 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 778 |
| Cost of funding earning assets | 0.7178% | 1,824 |
| Net interest margin | 4.3766% | 938 |
| Noninterest income to average assets | 0.2289% | 5,796 |
| Noninterest expense to average assets | 3.2838% | 2,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5522% | 4,580 |
| Return on assets (ROA) | 0.5891% | 4,525 |
| Pretax return on assets | 0.8462% | 4,112 |
| Return on Equity (ROE) | 5.7522% | 4,311 |
| Retained earnings to average equity (ytd only) | 0.1792% | 5,882 |
| Net charge-offs to loans | 0.4528% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 2.9567% | 3,851 |
| Efficiency ratio | 75.6150% | 2,788 |
| Assets per employee ($millions) | 4.4006% | 3,049 |
| Cash dividends to net income (ytd only)* | 96.8844% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6582% | 2,770 |
| Loan loss allowance to noncurrent loans | 60.3959% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.6120% | 1,448 |
| Noncurrent loans to loans | 2.7456% | 1,530 |
| Net loans and leases to total assets | 59.3239% | 3,802 |
| Net loans and leases to deposits | 68.7469% | 3,966 |
| Net loans and leases to core deposits | 75.0278% | 3,728 |
| Total domestic deposits to total assets | 86.2931% | 3,083 |
| Equity capital to assets | 9.9449% | 3,977 |
| Core capital (leverage) ratio | 9.4402% | 4,489 |
| Tier 1 risk-based capital ratio | 15.3525% | 3,534 |
| Total risk-based capital ratio | 16.5549% | 3,519 |
| Memoranda: | ||
| Average total assets | $1,125,936,750 | 587 |
| Average earning assets | $990,021,000 | 608 |
| Average equity | $115,314,500 | 621 |
| Average total loans | $667,303,500 | 629 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 959 |
| Cost of funding earning assets | 0.7291% | 1,849 |
| Net interest margin | 4.2400% | 1,164 |
| Noninterest income to average assets | 0.2283% | 5,812 |
| Noninterest expense to average assets | 3.2357% | 2,261 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5018% | 4,786 |
| Return on assets (ROA) | 0.5523% | 4,712 |
| Pretax return on assets | 0.7884% | 4,353 |
| Return on Equity (ROE) | 5.3421% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.8971% | 3,120 |
| Net charge-offs to loans | 0.4193% | 1,540 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.8990% | 3,557 |
| Efficiency ratio | 76.8125% | 2,662 |
| Assets per employee ($millions) | 4.4740% | 2,855 |
| Cash dividends to net income (ytd only)* | 8.3307% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 2,485 |
| Loan loss allowance to noncurrent loans | 51.4020% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 2.9709% | 1,372 |
| Noncurrent loans to loans | 3.4715% | 1,229 |
| Net loans and leases to total assets | 58.8504% | 3,851 |
| Net loans and leases to deposits | 69.3213% | 3,809 |
| Net loans and leases to core deposits | 75.3715% | 3,626 |
| Total domestic deposits to total assets | 84.8951% | 3,944 |
| Equity capital to assets | 10.2330% | 3,618 |
| Core capital (leverage) ratio | 9.6658% | 3,992 |
| Tier 1 risk-based capital ratio | 15.6216% | 3,411 |
| Total risk-based capital ratio | 16.8198% | 3,395 |
| Memoranda: | ||
| Average total assets | $1,130,128,670 | 585 |
| Average earning assets | $992,505,330 | 606 |
| Average equity | $116,845,000 | 615 |
| Average total loans | $665,862,670 | 628 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 1,097 |
| Cost of funding earning assets | 0.7485% | 1,863 |
| Net interest margin | 4.1475% | 1,334 |
| Noninterest income to average assets | 0.1591% | 6,310 |
| Noninterest expense to average assets | 3.1772% | 2,429 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4316% | 4,996 |
| Return on assets (ROA) | 0.5003% | 4,811 |
| Pretax return on assets | 0.7162% | 4,507 |
| Return on Equity (ROE) | 4.8145% | 4,682 |
| Retained earnings to average equity (ytd only) | 4.8145% | 3,347 |
| Net charge-offs to loans | 0.3992% | 1,455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 2.6505% | 2,980 |
| Efficiency ratio | 78.4605% | 2,542 |
| Assets per employee ($millions) | 4.5534% | 2,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9210% | 2,246 |
| Loan loss allowance to noncurrent loans | 43.8246% | 5,434 |
| Noncurrent assets plus other real estate owned to assets | 3.6994% | 1,122 |
| Noncurrent loans to loans | 4.3833% | 972 |
| Net loans and leases to total assets | 58.3170% | 3,738 |
| Net loans and leases to deposits | 69.0225% | 3,637 |
| Net loans and leases to core deposits | 75.1927% | 3,444 |
| Total domestic deposits to total assets | 84.4897% | 4,271 |
| Equity capital to assets | 10.6172% | 3,413 |
| Core capital (leverage) ratio | 9.5163% | 4,054 |
| Tier 1 risk-based capital ratio | 15.8799% | 3,334 |
| Total risk-based capital ratio | 17.0784% | 3,323 |
| Memoranda: | ||
| Average total assets | $1,133,702,000 | 586 |
| Average earning assets | $993,955,500 | 611 |
| Average equity | $117,810,000 | 620 |
| Average total loans | $662,351,000 | 633 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5738% | 538 |
| Cost of funding earning assets | 0.9865% | 1,427 |
| Net interest margin | 4.5873% | 802 |
| Noninterest income to average assets | 0.2677% | 5,541 |
| Noninterest expense to average assets | 3.5342% | 1,748 |
| Loan and lease loss provision to assets | 0.1077% | 4,289 |
| Net operating income to assets | 0.4266% | 4,983 |
| Return on assets (ROA) | 0.5230% | 4,858 |
| Pretax return on assets | 0.7300% | 4,557 |
| Return on Equity (ROE) | 5.0612% | 4,653 |
| Retained earnings to average equity (ytd only) | 2.4133% | 4,537 |
| Net charge-offs to loans | 0.5257% | 2,149 |
| Credit loss provision to net charge-offs | 35.2113% | 5,019 |
| Earnings coverage of net charge-offs (x) | 2.3005% | 4,268 |
| Efficiency ratio | 78.6032% | 2,343 |
| Assets per employee ($millions) | 4.5889% | 2,806 |
| Cash dividends to net income (ytd only)* | 52.3172% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 1,948 |
| Loan loss allowance to noncurrent loans | 42.6847% | 5,506 |
| Noncurrent assets plus other real estate owned to assets | 3.9558% | 1,087 |
| Noncurrent loans to loans | 4.7476% | 868 |
| Net loans and leases to total assets | 56.2573% | 4,244 |
| Net loans and leases to deposits | 66.4492% | 4,217 |
| Net loans and leases to core deposits | 74.2528% | 3,748 |
| Total domestic deposits to total assets | 84.6621% | 4,008 |
| Equity capital to assets | 10.1731% | 3,927 |
| Core capital (leverage) ratio | 9.3361% | 4,350 |
| Tier 1 risk-based capital ratio | 15.6681% | 3,338 |
| Total risk-based capital ratio | 16.8676% | 3,326 |
| Memoranda: | ||
| Average total assets | $1,113,901,800 | 592 |
| Average earning assets | $964,094,400 | 617 |
| Average equity | $115,111,600 | 624 |
| Average total loans | $648,303,200 | 639 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7150% | 449 |
| Cost of funding earning assets | 1.0491% | 1,286 |
| Net interest margin | 4.6658% | 725 |
| Noninterest income to average assets | 0.2960% | 5,406 |
| Noninterest expense to average assets | 3.6728% | 1,409 |
| Loan and lease loss provision to assets | 0.0905% | 4,472 |
| Net operating income to assets | 0.3871% | 5,304 |
| Return on assets (ROA) | 0.5015% | 5,105 |
| Pretax return on assets | 0.7195% | 4,795 |
| Return on Equity (ROE) | 4.8331% | 4,902 |
| Retained earnings to average equity (ytd only) | 1.8941% | 5,390 |
| Net charge-offs to loans | 0.3311% | 2,806 |
| Credit loss provision to net charge-offs | 46.8165% | 4,474 |
| Earnings coverage of net charge-offs (x) | 3.3439% | 3,682 |
| Efficiency ratio | 80.2879% | 2,052 |
| Assets per employee ($millions) | 4.3904% | 3,088 |
| Cash dividends to net income (ytd only)* | 60.8089% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2693% | 1,580 |
| Loan loss allowance to noncurrent loans | 40.7235% | 5,620 |
| Noncurrent assets plus other real estate owned to assets | 4.5987% | 999 |
| Noncurrent loans to loans | 5.5723% | 764 |
| Net loans and leases to total assets | 57.2247% | 4,257 |
| Net loans and leases to deposits | 67.5334% | 4,253 |
| Net loans and leases to core deposits | 73.5675% | 4,037 |
| Total domestic deposits to total assets | 84.7354% | 3,867 |
| Equity capital to assets | 10.3754% | 3,980 |
| Core capital (leverage) ratio | 9.1975% | 4,772 |
| Tier 1 risk-based capital ratio | 15.5473% | 3,505 |
| Total risk-based capital ratio | 16.7311% | 3,510 |
| Memoranda: | ||
| Average total assets | $1,104,422,000 | 601 |
| Average earning assets | $952,373,250 | 628 |
| Average equity | $114,595,500 | 628 |
| Average total loans | $645,032,500 | 645 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8913% | 349 |
| Cost of funding earning assets | 1.0969% | 1,234 |
| Net interest margin | 4.7943% | 567 |
| Noninterest income to average assets | 0.3447% | 5,077 |
| Noninterest expense to average assets | 3.7899% | 1,233 |
| Loan and lease loss provision to assets | 0.1361% | 3,822 |
| Net operating income to assets | 0.3890% | 5,251 |
| Return on assets (ROA) | 0.4113% | 5,406 |
| Pretax return on assets | 0.5770% | 5,221 |
| Return on Equity (ROE) | 3.9640% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.1700% | 5,107 |
| Net charge-offs to loans | 0.7397% | 1,493 |
| Credit loss provision to net charge-offs | 31.5259% | 4,415 |
| Earnings coverage of net charge-offs (x) | 1.5792% | 4,207 |
| Efficiency ratio | 80.1664% | 2,146 |
| Assets per employee ($millions) | 4.2699% | 3,315 |
| Cash dividends to net income (ytd only)* | 45.2581% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1743% | 1,831 |
| Loan loss allowance to noncurrent loans | 38.7861% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 4.6518% | 1,045 |
| Noncurrent loans to loans | 5.6060% | 828 |
| Net loans and leases to total assets | 56.4470% | 4,399 |
| Net loans and leases to deposits | 65.9208% | 4,515 |
| Net loans and leases to core deposits | 70.3253% | 4,498 |
| Total domestic deposits to total assets | 85.6286% | 3,550 |
| Equity capital to assets | 10.3741% | 3,843 |
| Core capital (leverage) ratio | 9.0654% | 4,813 |
| Tier 1 risk-based capital ratio | 15.3710% | 3,526 |
| Total risk-based capital ratio | 16.5463% | 3,532 |
| Memoranda: | ||
| Average total assets | $1,102,308,330 | 601 |
| Average earning assets | $948,827,000 | 631 |
| Average equity | $114,378,670 | 621 |
| Average total loans | $643,246,670 | 648 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8805% | 366 |
| Cost of funding earning assets | 1.1294% | 1,258 |
| Net interest margin | 4.7511% | 627 |
| Noninterest income to average assets | 0.3368% | 5,165 |
| Noninterest expense to average assets | 3.7565% | 1,285 |
| Loan and lease loss provision to assets | 0.0912% | 4,214 |
| Net operating income to assets | 0.4045% | 5,235 |
| Return on assets (ROA) | 0.3740% | 5,551 |
| Pretax return on assets | 0.5207% | 5,360 |
| Return on Equity (ROE) | 3.6040% | 5,459 |
| Retained earnings to average equity (ytd only) | 1.7159% | 5,373 |
| Net charge-offs to loans | 0.9115% | 1,124 |
| Credit loss provision to net charge-offs | 17.0532% | 3,822 |
| Earnings coverage of net charge-offs (x) | 1.2231% | 3,728 |
| Efficiency ratio | 80.4931% | 2,144 |
| Assets per employee ($millions) | 4.2194% | 3,541 |
| Cash dividends to net income (ytd only)* | 52.3902% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,810 |
| Loan loss allowance to noncurrent loans | 38.1264% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 4.9421% | 1,062 |
| Noncurrent loans to loans | 5.8643% | 867 |
| Net loans and leases to total assets | 57.1558% | 4,193 |
| Net loans and leases to deposits | 66.6450% | 4,284 |
| Net loans and leases to core deposits | 70.7813% | 4,323 |
| Total domestic deposits to total assets | 85.7616% | 3,655 |
| Equity capital to assets | 10.3276% | 3,701 |
| Core capital (leverage) ratio | 8.9336% | 4,938 |
| Tier 1 risk-based capital ratio | 15.0981% | 3,695 |
| Total risk-based capital ratio | 16.2665% | 3,705 |
| Memoranda: | ||
| Average total assets | $1,096,245,500 | 605 |
| Average earning assets | $939,987,000 | 639 |
| Average equity | $113,762,000 | 623 |
| Average total loans | $643,346,500 | 646 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1030% | 364 |
| Cost of funding earning assets | 1.3077% | 1,449 |
| Net interest margin | 4.7952% | 633 |
| Noninterest income to average assets | 0.2269% | 5,910 |
| Noninterest expense to average assets | 4.1921% | 816 |
| Loan and lease loss provision to assets | 0.1396% | 4,874 |
| Net operating income to assets | -0.0367% | 6,090 |
| Return on assets (ROA) | 0.1879% | 5,755 |
| Pretax return on assets | 0.2217% | 5,736 |
| Return on Equity (ROE) | 1.8328% | 5,723 |
| Retained earnings to average equity (ytd only) | 1.8328% | 4,909 |
| Net charge-offs to loans | 1.9691% | 706 |
| Credit loss provision to net charge-offs | 12.3412% | 5,993 |
| Earnings coverage of net charge-offs (x) | 0.0858% | 5,764 |
| Efficiency ratio | 92.8805% | 991 |
| Assets per employee ($millions) | 4.1023% | 3,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4284% | 1,412 |
| Loan loss allowance to noncurrent loans | 37.1187% | 5,767 |
| Noncurrent assets plus other real estate owned to assets | 5.3218% | 970 |
| Noncurrent loans to loans | 6.5422% | 709 |
| Net loans and leases to total assets | 57.4812% | 4,467 |
| Net loans and leases to deposits | 67.1564% | 4,561 |
| Net loans and leases to core deposits | 70.6264% | 4,703 |
| Total domestic deposits to total assets | 85.5931% | 3,541 |
| Equity capital to assets | 10.4276% | 3,614 |
| Core capital (leverage) ratio | 8.9044% | 4,929 |
| Tier 1 risk-based capital ratio | 15.0069% | 3,635 |
| Total risk-based capital ratio | 16.1588% | 3,662 |
| Memoranda: | ||
| Average total assets | $1,085,258,800 | 598 |
| Average earning assets | $919,369,800 | 649 |
| Average equity | $111,250,000 | 621 |
| Average total loans | $623,442,400 | 667 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1480% | 363 |
| Cost of funding earning assets | 1.3423% | 1,493 |
| Net interest margin | 4.8058% | 619 |
| Noninterest income to average assets | 0.2043% | 6,144 |
| Noninterest expense to average assets | 4.2346% | 770 |
| Loan and lease loss provision to assets | 0.1864% | 4,164 |
| Net operating income to assets | -0.1495% | 6,328 |
| Return on assets (ROA) | 0.1501% | 5,953 |
| Pretax return on assets | 0.1580% | 5,980 |
| Return on Equity (ROE) | 1.4705% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.4705% | 5,407 |
| Net charge-offs to loans | 2.4459% | 451 |
| Credit loss provision to net charge-offs | 13.3504% | 5,637 |
| Earnings coverage of net charge-offs (x) | 0.0208% | 5,584 |
| Efficiency ratio | 94.4254% | 895 |
| Assets per employee ($millions) | 4.0289% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7328% | 1,091 |
| Loan loss allowance to noncurrent loans | 35.5746% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 5.8398% | 929 |
| Noncurrent loans to loans | 7.6818% | 600 |
| Net loans and leases to total assets | 54.9296% | 5,006 |
| Net loans and leases to deposits | 64.2613% | 5,132 |
| Net loans and leases to core deposits | 67.5054% | 5,238 |
| Total domestic deposits to total assets | 85.4785% | 3,510 |
| Equity capital to assets | 10.5696% | 3,618 |
| Core capital (leverage) ratio | 9.0285% | 4,883 |
| Tier 1 risk-based capital ratio | 15.6123% | 3,326 |
| Total risk-based capital ratio | 16.7667% | 3,344 |
| Memoranda: | ||
| Average total assets | $1,083,767,500 | 609 |
| Average earning assets | $915,435,250 | 654 |
| Average equity | $110,615,250 | 631 |
| Average total loans | $618,588,000 | 679 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0900% | 394 |
| Cost of funding earning assets | 1.3723% | 1,539 |
| Net interest margin | 4.7177% | 700 |
| Noninterest income to average assets | 0.3142% | 5,383 |
| Noninterest expense to average assets | 4.3052% | 743 |
| Loan and lease loss provision to assets | 0.2785% | 3,152 |
| Net operating income to assets | -0.1459% | 6,412 |
| Return on assets (ROA) | -0.0473% | 6,353 |
| Pretax return on assets | -0.1386% | 6,400 |
| Return on Equity (ROE) | -0.4684% | 6,354 |
| Retained earnings to average equity (ytd only) | -0.4684% | 5,953 |
| Net charge-offs to loans | 3.2922% | 288 |
| Credit loss provision to net charge-offs | 14.7718% | 5,200 |
| Earnings coverage of net charge-offs (x) | -0.0075% | 5,291 |
| Efficiency ratio | 95.4840% | 903 |
| Assets per employee ($millions) | 3.8007% | 4,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9120% | 971 |
| Loan loss allowance to noncurrent loans | 37.3879% | 5,807 |
| Noncurrent assets plus other real estate owned to assets | 6.4108% | 839 |
| Noncurrent loans to loans | 7.7887% | 597 |
| Net loans and leases to total assets | 55.2363% | 5,115 |
| Net loans and leases to deposits | 64.5229% | 5,207 |
| Net loans and leases to core deposits | 67.4198% | 5,351 |
| Total domestic deposits to total assets | 85.6072% | 3,557 |
| Equity capital to assets | 10.4838% | 3,527 |
| Core capital (leverage) ratio | 8.8197% | 5,013 |
| Tier 1 risk-based capital ratio | 15.1478% | 3,425 |
| Total risk-based capital ratio | 16.3150% | 3,429 |
| Memoranda: | ||
| Average total assets | $1,087,796,000 | 617 |
| Average earning assets | $916,977,670 | 660 |
| Average equity | $109,729,330 | 636 |
| Average total loans | $623,047,330 | 686 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7987% | 740 |
| Cost of funding earning assets | 1.4159% | 1,533 |
| Net interest margin | 4.3828% | 1,331 |
| Noninterest income to average assets | 0.2375% | 6,009 |
| Noninterest expense to average assets | 4.2903% | 732 |
| Loan and lease loss provision to assets | 0.5511% | 1,569 |
| Net operating income to assets | -0.5453% | 6,830 |
| Return on assets (ROA) | -0.3914% | 6,742 |
| Pretax return on assets | -0.6744% | 6,861 |
| Return on Equity (ROE) | -3.9555% | 6,736 |
| Retained earnings to average equity (ytd only) | -3.9555% | 6,408 |
| Net charge-offs to loans | 3.4920% | 288 |
| Credit loss provision to net charge-offs | 27.4656% | 4,160 |
| Earnings coverage of net charge-offs (x) | -0.1813% | 4,684 |
| Efficiency ratio | 104.0300% | 628 |
| Assets per employee ($millions) | 3.9292% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5931% | 565 |
| Loan loss allowance to noncurrent loans | 44.4513% | 5,337 |
| Noncurrent assets plus other real estate owned to assets | 6.1573% | 922 |
| Noncurrent loans to loans | 8.0833% | 611 |
| Net loans and leases to total assets | 55.3482% | 5,099 |
| Net loans and leases to deposits | 64.5148% | 5,187 |
| Net loans and leases to core deposits | 67.3877% | 5,372 |
| Total domestic deposits to total assets | 85.7916% | 3,639 |
| Equity capital to assets | 9.9806% | 3,800 |
| Core capital (leverage) ratio | 8.3783% | 5,666 |
| Tier 1 risk-based capital ratio | 14.5231% | 3,719 |
| Total risk-based capital ratio | 15.7003% | 3,732 |
| Memoranda: | ||
| Average total assets | $1,099,596,000 | 613 |
| Average earning assets | $925,518,500 | 659 |
| Average equity | $108,810,000 | 636 |
| Average total loans | $631,844,500 | 680 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9592% | 926 |
| Cost of funding earning assets | 1.8418% | 1,021 |
| Net interest margin | 4.1174% | 2,492 |
| Noninterest income to average assets | -0.1410% | 7,428 |
| Noninterest expense to average assets | 3.8022% | 1,485 |
| Loan and lease loss provision to assets | 2.2470% | 546 |
| Net operating income to assets | -1.9046% | 7,034 |
| Return on assets (ROA) | -1.6423% | 6,976 |
| Pretax return on assets | -2.3754% | 7,131 |
| Return on Equity (ROE) | -16.3808% | 6,960 |
| Retained earnings to average equity (ytd only) | -17.6405% | 6,960 |
| Net charge-offs to loans | 2.6935% | 674 |
| Credit loss provision to net charge-offs | 143.3251% | 2,604 |
| Earnings coverage of net charge-offs (x) | -0.3243% | 6,375 |
| Efficiency ratio | 95.0207% | 1,010 |
| Assets per employee ($millions) | 3.8841% | 4,042 |
| Cash dividends to net income (ytd only)* | -7.6895% | 7,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1137% | 362 |
| Loan loss allowance to noncurrent loans | 56.3444% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 5.6177% | 1,093 |
| Noncurrent loans to loans | 7.3009% | 753 |
| Net loans and leases to total assets | 55.1448% | 5,465 |
| Net loans and leases to deposits | 63.8774% | 5,643 |
| Net loans and leases to core deposits | 66.7552% | 5,803 |
| Total domestic deposits to total assets | 86.3291% | 3,183 |
| Equity capital to assets | 9.8127% | 3,985 |
| Core capital (leverage) ratio | 8.0384% | 6,137 |
| Tier 1 risk-based capital ratio | 14.2994% | 3,678 |
| Total risk-based capital ratio | 15.4859% | 3,672 |
| Memoranda: | ||
| Average total assets | $1,187,799,000 | 564 |
| Average earning assets | $990,842,400 | 604 |
| Average equity | $119,084,200 | 568 |
| Average total loans | $691,376,800 | 635 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0300% | 878 |
| Cost of funding earning assets | 1.9118% | 994 |
| Net interest margin | 4.1182% | 2,539 |
| Noninterest income to average assets | -0.1030% | 7,541 |
| Noninterest expense to average assets | 3.9737% | 1,074 |
| Loan and lease loss provision to assets | 2.9506% | 300 |
| Net operating income to assets | -2.4959% | 7,348 |
| Return on assets (ROA) | -2.4573% | 7,352 |
| Pretax return on assets | -3.5455% | 7,502 |
| Return on Equity (ROE) | -24.3904% | 7,307 |
| Retained earnings to average equity (ytd only) | -26.0363% | 7,322 |
| Net charge-offs to loans | 1.9749% | 963 |
| Credit loss provision to net charge-offs | 255.9701% | 1,298 |
| Earnings coverage of net charge-offs (x) | -0.5647% | 6,352 |
| Efficiency ratio | 94.8930% | 951 |
| Assets per employee ($millions) | 3.8568% | 4,126 |
| Cash dividends to net income (ytd only)* | -6.7482% | 7,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1396% | 158 |
| Loan loss allowance to noncurrent loans | 63.7594% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 5.8169% | 1,041 |
| Noncurrent loans to loans | 8.0610% | 640 |
| Net loans and leases to total assets | 54.0235% | 5,846 |
| Net loans and leases to deposits | 62.4178% | 6,072 |
| Net loans and leases to core deposits | 65.3023% | 6,181 |
| Total domestic deposits to total assets | 86.5515% | 2,785 |
| Equity capital to assets | 9.6041% | 4,684 |
| Core capital (leverage) ratio | 7.7310% | 6,639 |
| Tier 1 risk-based capital ratio | 13.4560% | 4,234 |
| Total risk-based capital ratio | 14.6599% | 4,231 |
| Memoranda: | ||
| Average total assets | $1,206,067,750 | 552 |
| Average earning assets | $1,003,287,250 | 595 |
| Average equity | $121,509,250 | 553 |
| Average total loans | $703,950,000 | 622 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9763% | 1,003 |
| Cost of funding earning assets | 1.9661% | 995 |
| Net interest margin | 4.0102% | 2,963 |
| Noninterest income to average assets | 0.0531% | 7,322 |
| Noninterest expense to average assets | 4.1976% | 815 |
| Loan and lease loss provision to assets | 4.2063% | 175 |
| Net operating income to assets | -3.5331% | 7,581 |
| Return on assets (ROA) | -3.4835% | 7,582 |
| Pretax return on assets | -4.9453% | 7,678 |
| Return on Equity (ROE) | -34.0626% | 7,478 |
| Retained earnings to average equity (ytd only) | -36.4751% | 7,494 |
| Net charge-offs to loans | 1.3642% | 1,400 |
| Credit loss provision to net charge-offs | 524.1648% | 708 |
| Earnings coverage of net charge-offs (x) | -1.0092% | 6,121 |
| Efficiency ratio | 90.6103% | 1,286 |
| Assets per employee ($millions) | 3.9540% | 3,860 |
| Cash dividends to net income (ytd only)* | -7.0825% | 7,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5940% | 125 |
| Loan loss allowance to noncurrent loans | 70.2582% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 5.6908% | 1,062 |
| Noncurrent loans to loans | 7.9620% | 654 |
| Net loans and leases to total assets | 54.5657% | 5,906 |
| Net loans and leases to deposits | 62.7826% | 6,160 |
| Net loans and leases to core deposits | 65.6873% | 6,270 |
| Total domestic deposits to total assets | 86.9122% | 2,577 |
| Equity capital to assets | 9.2408% | 5,093 |
| Core capital (leverage) ratio | 7.6750% | 6,643 |
| Tier 1 risk-based capital ratio | 13.4037% | 4,136 |
| Total risk-based capital ratio | 14.6526% | 4,099 |
| Memoranda: | ||
| Average total assets | $1,215,978,000 | 551 |
| Average earning assets | $1,011,123,670 | 585 |
| Average equity | $124,353,330 | 535 |
| Average total loans | $715,289,670 | 615 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9909% | 996 |
| Cost of funding earning assets | 2.0226% | 1,017 |
| Net interest margin | 3.9683% | 3,003 |
| Noninterest income to average assets | 0.0069% | 7,633 |
| Noninterest expense to average assets | 3.1442% | 3,087 |
| Loan and lease loss provision to assets | 1.6226% | 713 |
| Net operating income to assets | -0.9043% | 7,061 |
| Return on assets (ROA) | -0.8304% | 7,050 |
| Pretax return on assets | -1.3371% | 7,196 |
| Return on Equity (ROE) | -7.7531% | 7,038 |
| Retained earnings to average equity (ytd only) | -12.3335% | 7,088 |
| Net charge-offs to loans | 1.8816% | 917 |
| Credit loss provision to net charge-offs | 145.3560% | 2,449 |
| Earnings coverage of net charge-offs (x) | 0.1524% | 4,897 |
| Efficiency ratio | 89.2924% | 1,484 |
| Assets per employee ($millions) | 4.1824% | 3,496 |
| Cash dividends to net income (ytd only)* | -59.0784% | 7,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7297% | 1,056 |
| Loan loss allowance to noncurrent loans | 37.2997% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 5.3349% | 1,171 |
| Noncurrent loans to loans | 7.3184% | 793 |
| Net loans and leases to total assets | 57.5304% | 5,519 |
| Net loans and leases to deposits | 67.2580% | 5,680 |
| Net loans and leases to core deposits | 70.6530% | 5,857 |
| Total domestic deposits to total assets | 85.5369% | 3,394 |
| Equity capital to assets | 10.5758% | 3,171 |
| Core capital (leverage) ratio | 8.6879% | 5,042 |
| Tier 1 risk-based capital ratio | 14.5648% | 3,343 |
| Total risk-based capital ratio | 15.7801% | 3,329 |
| Memoranda: | ||
| Average total assets | $1,222,962,000 | 563 |
| Average earning assets | $1,019,274,500 | 602 |
| Average equity | $130,992,500 | 519 |
| Average total loans | $725,560,000 | 623 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8754% | 2,350 |
| Cost of funding earning assets | 2.5388% | 924 |
| Net interest margin | 3.3366% | 5,601 |
| Noninterest income to average assets | 0.5525% | 4,000 |
| Noninterest expense to average assets | 5.8298% | 333 |
| Loan and lease loss provision to assets | 1.5506% | 1,485 |
| Net operating income to assets | -3.3305% | 7,469 |
| Return on assets (ROA) | -2.3313% | 7,211 |
| Pretax return on assets | -2.8679% | 7,259 |
| Return on Equity (ROE) | -20.3299% | 7,151 |
| Retained earnings to average equity (ytd only) | -20.9384% | 7,139 |
| Net charge-offs to loans | 1.0498% | 2,311 |
| Credit loss provision to net charge-offs | 242.8935% | 1,462 |
| Earnings coverage of net charge-offs (x) | -3.6417% | 7,078 |
| Efficiency ratio | 88.2312% | 1,859 |
| Assets per employee ($millions) | 4.2230% | 3,393 |
| Cash dividends to net income (ytd only)* | -2.9931% | 7,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4930% | 1,235 |
| Loan loss allowance to noncurrent loans | 37.3617% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 5.1473% | 1,172 |
| Noncurrent loans to loans | 6.6725% | 887 |
| Net loans and leases to total assets | 58.0272% | 5,660 |
| Net loans and leases to deposits | 68.8767% | 5,739 |
| Net loans and leases to core deposits | 94.4233% | 4,632 |
| Total domestic deposits to total assets | 84.2480% | 3,921 |
| Equity capital to assets | 10.8460% | 2,824 |
| Core capital (leverage) ratio | 9.0126% | 4,396 |
| Tier 1 risk-based capital ratio | 14.9407% | 2,971 |
| Total risk-based capital ratio | 16.1536% | 2,947 |
| Memoranda: | ||
| Average total assets | $1,231,051,600 | 547 |
| Average earning assets | $1,089,311,000 | 556 |
| Average equity | $141,166,200 | 478 |
| Average total loans | $748,618,600 | 614 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6976% | 3,350 |
| Cost of funding earning assets | 2.6250% | 969 |
| Net interest margin | 3.0726% | 6,390 |
| Noninterest income to average assets | 0.2654% | 6,330 |
| Noninterest expense to average assets | 5.5532% | 367 |
| Loan and lease loss provision to assets | 1.2192% | 1,590 |
| Net operating income to assets | -3.1623% | 7,625 |
| Return on assets (ROA) | -1.7008% | 7,189 |
| Pretax return on assets | -2.2742% | 7,276 |
| Return on Equity (ROE) | -14.6350% | 7,169 |
| Retained earnings to average equity (ytd only) | -14.6350% | 7,110 |
| Net charge-offs to loans | 0.3539% | 3,874 |
| Credit loss provision to net charge-offs | 563.6000% | 687 |
| Earnings coverage of net charge-offs (x) | -11.6940% | 6,910 |
| Efficiency ratio | 91.7036% | 1,563 |
| Assets per employee ($millions) | 4.1631% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9447% | 1,916 |
| Loan loss allowance to noncurrent loans | 18.4124% | 7,176 |
| Noncurrent assets plus other real estate owned to assets | 7.2158% | 646 |
| Noncurrent loans to loans | 10.5620% | 357 |
| Net loans and leases to total assets | 66.1071% | 4,406 |
| Net loans and leases to deposits | 79.5182% | 4,475 |
| Net loans and leases to core deposits | 107.8294% | 3,491 |
| Total domestic deposits to total assets | 83.1346% | 4,159 |
| Equity capital to assets | 11.8780% | 2,305 |
| Core capital (leverage) ratio | 9.2761% | 4,225 |
| Tier 1 risk-based capital ratio | 17.3671% | 2,161 |
| Total risk-based capital ratio | 18.5723% | 2,123 |
| Memoranda: | ||
| Average total assets | $1,232,646,250 | 559 |
| Average earning assets | $1,106,441,250 | 561 |
| Average equity | $143,250,750 | 482 |
| Average total loans | $753,570,000 | 626 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7236% | 3,414 |
| Cost of funding earning assets | 2.7291% | 965 |
| Net interest margin | 2.9945% | 6,567 |
| Noninterest income to average assets | 0.3154% | 5,984 |
| Noninterest expense to average assets | 6.8111% | 237 |
| Loan and lease loss provision to assets | 0.9810% | 1,719 |
| Net operating income to assets | -4.2410% | 7,862 |
| Return on assets (ROA) | -2.1288% | 7,455 |
| Pretax return on assets | -2.6851% | 7,468 |
| Return on Equity (ROE) | -18.4546% | 7,466 |
| Retained earnings to average equity (ytd only) | -18.4546% | 7,406 |
| Net charge-offs to loans | 0.2185% | 4,134 |
| Credit loss provision to net charge-offs | 760.7053% | 617 |
| Earnings coverage of net charge-offs (x) | -29.6159% | 6,582 |
| Efficiency ratio | 91.1618% | 1,717 |
| Assets per employee ($millions) | 4.2557% | 3,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 3,338 |
| Loan loss allowance to noncurrent loans | 13.5207% | 7,414 |
| Noncurrent assets plus other real estate owned to assets | 8.6681% | 406 |
| Noncurrent loans to loans | 10.8893% | 285 |
| Net loans and leases to total assets | 62.8229% | 5,214 |
| Net loans and leases to deposits | 76.2360% | 5,133 |
| Net loans and leases to core deposits | 106.2609% | 3,809 |
| Total domestic deposits to total assets | 82.4058% | 4,520 |
| Equity capital to assets | 11.3568% | 2,630 |
| Core capital (leverage) ratio | 8.7174% | 5,062 |
| Tier 1 risk-based capital ratio | 16.3254% | 2,510 |
| Total risk-based capital ratio | 17.4580% | 2,496 |
| Memoranda: | ||
| Average total assets | $1,231,379,670 | 571 |
| Average earning assets | $1,100,566,670 | 576 |
| Average equity | $142,046,000 | 497 |
| Average total loans | $726,896,670 | 676 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8172% | 3,213 |
| Cost of funding earning assets | 2.6757% | 1,330 |
| Net interest margin | 3.1415% | 6,057 |
| Noninterest income to average assets | 0.5105% | 4,227 |
| Noninterest expense to average assets | 3.0639% | 3,507 |
| Loan and lease loss provision to assets | 1.8363% | 669 |
| Net operating income to assets | -1.5835% | 7,533 |
| Return on assets (ROA) | 2.6993% | 116 |
| Pretax return on assets | 2.6970% | 182 |
| Return on Equity (ROE) | 23.2053% | 255 |
| Retained earnings to average equity (ytd only) | 23.2053% | 109 |
| Net charge-offs to loans | 0.5298% | 2,129 |
| Credit loss provision to net charge-offs | 613.8393% | 924 |
| Earnings coverage of net charge-offs (x) | 0.8371% | 4,356 |
| Efficiency ratio | 88.2643% | 1,872 |
| Assets per employee ($millions) | 7.7668% | 554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 3,560 |
| Loan loss allowance to noncurrent loans | 16.7969% | 7,323 |
| Noncurrent assets plus other real estate owned to assets | 6.6858% | 533 |
| Noncurrent loans to loans | 8.2741% | 423 |
| Net loans and leases to total assets | 59.9146% | 5,667 |
| Net loans and leases to deposits | 73.9535% | 5,484 |
| Net loans and leases to core deposits | 104.1645% | 4,121 |
| Total domestic deposits to total assets | 81.0167% | 4,958 |
| Equity capital to assets | 12.4902% | 1,977 |
| Core capital (leverage) ratio | 7.5796% | 7,052 |
| Tier 1 risk-based capital ratio | 16.5516% | 2,496 |
| Total risk-based capital ratio | 17.7509% | 2,450 |
| Memoranda: | ||
| Average total assets | $1,198,082,500 | 587 |
| Average earning assets | $1,069,311,500 | 594 |
| Average equity | $139,365,000 | 499 |
| Average total loans | $676,540,000 | 735 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0946% | 5,069 |
| Cost of funding earning assets | 2.7733% | 2,814 |
| Net interest margin | 3.3213% | 5,966 |
| Noninterest income to average assets | 0.4694% | 4,882 |
| Noninterest expense to average assets | 3.2448% | 3,168 |
| Loan and lease loss provision to assets | 0.5821% | 2,495 |
| Net operating income to assets | -0.4403% | 6,869 |
| Return on assets (ROA) | -0.5094% | 6,808 |
| Pretax return on assets | -0.5038% | 6,657 |
| Return on Equity (ROE) | -3.9815% | 6,741 |
| Retained earnings to average equity (ytd only) | -4.6165% | 6,443 |
| Net charge-offs to loans | 0.4060% | 2,781 |
| Credit loss provision to net charge-offs | 211.6650% | 2,283 |
| Earnings coverage of net charge-offs (x) | 0.5360% | 5,912 |
| Efficiency ratio | 91.4018% | 1,417 |
| Assets per employee ($millions) | 5.9837% | 1,145 |
| Cash dividends to net income (ytd only)* | -15.9501% | 7,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 3,605 |
| Loan loss allowance to noncurrent loans | 140.7220% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 5,695 |
| Noncurrent loans to loans | 0.9437% | 4,718 |
| Net loans and leases to total assets | 50.0958% | 7,024 |
| Net loans and leases to deposits | 59.7038% | 7,114 |
| Net loans and leases to core deposits | 87.6788% | 6,001 |
| Total domestic deposits to total assets | 83.9072% | 3,366 |
| Equity capital to assets | 10.4929% | 3,512 |
| Core capital (leverage) ratio | 6.1168% | 8,043 |
| Tier 1 risk-based capital ratio | 9.2237% | 7,591 |
| Total risk-based capital ratio | 10.3047% | 7,723 |
| Memoranda: | ||
| Average total assets | $707,650,800 | 948 |
| Average earning assets | $622,729,800 | 972 |
| Average equity | $90,544,800 | 736 |
| Average total loans | $479,340,000 | 1,006 |