Home > Forbright Bank > Performance and Condition Ratios
Forbright Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4321% | 105 |
| Cost of funding earning assets | 3.7707% | 48 |
| Net interest margin | 4.6614% | 497 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 3.2543% | 775 |
| Loan and lease loss provision to assets | 0.2600% | 435 |
| Net operating income to assets | 1.1511% | 1,781 |
| Return on assets (ROA) | 1.1511% | 1,750 |
| Pretax return on assets | 1.5384% | 1,345 |
| Return on Equity (ROE) | 10.6000% | 2,331 |
| Retained earnings to average equity (ytd only) | 10.6034% | 878 |
| Net charge-offs to loans | 0.5572% | 178 |
| Credit loss provision to net charge-offs | 76.0172% | 2,048 |
| Earnings coverage of net charge-offs (x) | 4.5123% | 2,582 |
| Efficiency ratio | 63.9376% | 2,616 |
| Assets per employee ($millions) | 14.5364% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6643% | 727 |
| Loan loss allowance to noncurrent loans | 59.1390% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.8531% | 168 |
| Noncurrent loans to loans | 2.8141% | 158 |
| Net loans and leases to total assets | 64.7500% | 2,398 |
| Net loans and leases to deposits | 74.6539% | 2,571 |
| Net loans and leases to core deposits | 125.3121% | 503 |
| Total domestic deposits to total assets | 86.7400% | 1,775 |
| Equity capital to assets | 11.0307% | 1,463 |
| Core capital (leverage) ratio | 11.4738% | 1,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $6,629,154,400 | 220 |
| Average earning assets | $6,394,372,000 | 209 |
| Average equity | $719,681,000 | 210 |
| Average total loans | $4,754,609,400 | 211 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4924% | 97 |
| Cost of funding earning assets | 3.6641% | 49 |
| Net interest margin | 4.8284% | 396 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 3.2689% | 749 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 1.2616% | 1,627 |
| Return on assets (ROA) | 1.2616% | 1,619 |
| Pretax return on assets | 1.6928% | 1,170 |
| Return on Equity (ROE) | 11.6700% | 2,208 |
| Retained earnings to average equity (ytd only) | 11.6693% | 1,028 |
| Net charge-offs to loans | 0.4689% | 182 |
| Credit loss provision to net charge-offs | 88.2630% | 1,706 |
| Earnings coverage of net charge-offs (x) | 5.6986% | 2,337 |
| Efficiency ratio | 62.1536% | 2,693 |
| Assets per employee ($millions) | 15.2152% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6971% | 704 |
| Loan loss allowance to noncurrent loans | 69.2485% | 3,475 |
| Noncurrent assets plus other real estate owned to assets | 1.6775% | 199 |
| Noncurrent loans to loans | 2.4507% | 200 |
| Net loans and leases to total assets | 67.2900% | 2,129 |
| Net loans and leases to deposits | 83.4700% | 1,783 |
| Net loans and leases to core deposits | 163.5596% | 93 |
| Total domestic deposits to total assets | 80.6100% | 3,445 |
| Equity capital to assets | 10.8112% | 1,425 |
| Core capital (leverage) ratio | 11.5357% | 1,658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $6,582,055,000 | 224 |
| Average earning assets | $6,348,420,250 | 210 |
| Average equity | $711,595,500 | 211 |
| Average total loans | $4,820,914,250 | 209 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5633% | 88 |
| Cost of funding earning assets | 3.5670% | 38 |
| Net interest margin | 4.9962% | 314 |
| Noninterest income to average assets | 0.5600% | 1,626 |
| Noninterest expense to average assets | 3.2254% | 765 |
| Loan and lease loss provision to assets | 0.5700% | 122 |
| Net operating income to assets | 1.1858% | 1,866 |
| Return on assets (ROA) | 1.1858% | 1,861 |
| Pretax return on assets | 1.5857% | 1,436 |
| Return on Equity (ROE) | 10.9700% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.9683% | 1,189 |
| Net charge-offs to loans | 0.5316% | 154 |
| Credit loss provision to net charge-offs | 151.4224% | 1,193 |
| Earnings coverage of net charge-offs (x) | 5.4135% | 2,170 |
| Efficiency ratio | 59.5489% | 3,015 |
| Assets per employee ($millions) | 15.3769% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8821% | 515 |
| Loan loss allowance to noncurrent loans | 76.8097% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.7276% | 181 |
| Noncurrent loans to loans | 2.4504% | 188 |
| Net loans and leases to total assets | 69.1800% | 1,830 |
| Net loans and leases to deposits | 80.3235% | 1,948 |
| Net loans and leases to core deposits | 173.7227% | 68 |
| Total domestic deposits to total assets | 86.1200% | 2,198 |
| Equity capital to assets | 10.7648% | 1,476 |
| Core capital (leverage) ratio | 10.7501% | 2,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $6,514,079,333 | 222 |
| Average earning assets | $6,288,147,333 | 208 |
| Average equity | $704,245,333 | 208 |
| Average total loans | $4,879,537,667 | 200 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4487% | 49 |
| Cost of funding earning assets | 3.3729% | 11 |
| Net interest margin | 5.0758% | 268 |
| Noninterest income to average assets | 0.9500% | 617 |
| Noninterest expense to average assets | 3.1250% | 898 |
| Loan and lease loss provision to assets | 0.7000% | 98 |
| Net operating income to assets | 1.5184% | 1,152 |
| Return on assets (ROA) | 1.5184% | 1,132 |
| Pretax return on assets | 2.0303% | 733 |
| Return on Equity (ROE) | 14.0100% | 1,767 |
| Retained earnings to average equity (ytd only) | 14.0144% | 934 |
| Net charge-offs to loans | 0.4624% | 177 |
| Credit loss provision to net charge-offs | 207.5082% | 813 |
| Earnings coverage of net charge-offs (x) | 7.6438% | 1,747 |
| Efficiency ratio | 53.0378% | 3,703 |
| Assets per employee ($millions) | 15.5162% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7778% | 687 |
| Loan loss allowance to noncurrent loans | 156.5279% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 527 |
| Noncurrent loans to loans | 1.1358% | 623 |
| Net loans and leases to total assets | 75.0600% | 1,072 |
| Net loans and leases to deposits | 85.7844% | 1,371 |
| Net loans and leases to core deposits | 94.4839% | 1,359 |
| Total domestic deposits to total assets | 87.4900% | 2,095 |
| Equity capital to assets | 10.8606% | 1,395 |
| Core capital (leverage) ratio | 10.6511% | 2,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $6,465,076,500 | 230 |
| Average earning assets | $6,244,529,500 | 216 |
| Average equity | $700,478,000 | 213 |
| Average total loans | $4,988,436,500 | 203 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9533% | 81 |
| Cost of funding earning assets | 1.0292% | 53 |
| Net interest margin | 4.9241% | 133 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.6261% | 1,652 |
| Loan and lease loss provision to assets | 0.3700% | 160 |
| Net operating income to assets | 1.5989% | 659 |
| Return on assets (ROA) | 1.5989% | 640 |
| Pretax return on assets | 2.1077% | 373 |
| Return on Equity (ROE) | 14.5100% | 1,289 |
| Retained earnings to average equity (ytd only) | 14.5108% | 406 |
| Net charge-offs to loans | 0.1642% | 397 |
| Credit loss provision to net charge-offs | 306.1252% | 804 |
| Earnings coverage of net charge-offs (x) | 20.4674% | 1,703 |
| Efficiency ratio | 50.9556% | 4,097 |
| Assets per employee ($millions) | 17.4148% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8192% | 4,051 |
| Loan loss allowance to noncurrent loans | 267.9081% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 1,991 |
| Noncurrent loans to loans | 0.3058% | 2,149 |
| Net loans and leases to total assets | 78.4300% | 671 |
| Net loans and leases to deposits | 89.7133% | 910 |
| Net loans and leases to core deposits | 94.7955% | 1,050 |
| Total domestic deposits to total assets | 87.4300% | 2,618 |
| Equity capital to assets | 10.5131% | 1,361 |
| Core capital (leverage) ratio | 10.1518% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5597% | 2,928 |
| Memoranda: | ||
| Average total assets | $5,734,554,500 | 250 |
| Average earning assets | $5,531,355,250 | 237 |
| Average equity | $631,862,750 | 230 |
| Average total loans | $4,229,817,000 | 218 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0599% | 159 |
| Cost of funding earning assets | 0.5752% | 335 |
| Net interest margin | 4.4847% | 199 |
| Noninterest income to average assets | 0.3425% | 3,104 |
| Noninterest expense to average assets | 2.5505% | 1,775 |
| Loan and lease loss provision to assets | 0.3487% | 172 |
| Net operating income to assets | 1.3294% | 1,072 |
| Return on assets (ROA) | 1.3294% | 1,050 |
| Pretax return on assets | 1.7767% | 632 |
| Return on Equity (ROE) | 11.8555% | 1,702 |
| Retained earnings to average equity (ytd only) | 11.8555% | 629 |
| Net charge-offs to loans | 0.1163% | 528 |
| Credit loss provision to net charge-offs | 418.2450% | 687 |
| Earnings coverage of net charge-offs (x) | 25.4896% | 1,462 |
| Efficiency ratio | 53.9876% | 3,968 |
| Assets per employee ($millions) | 17.8908% | 125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 4,128 |
| Loan loss allowance to noncurrent loans | 82.1429% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 742 |
| Noncurrent loans to loans | 1.0091% | 826 |
| Net loans and leases to total assets | 70.3641% | 1,265 |
| Net loans and leases to deposits | 80.0285% | 1,384 |
| Net loans and leases to core deposits | 81.4252% | 1,629 |
| Total domestic deposits to total assets | 87.9238% | 2,603 |
| Equity capital to assets | 9.8920% | 1,773 |
| Core capital (leverage) ratio | 10.2213% | 2,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0121% | 2,816 |
| Memoranda: | ||
| Average total assets | $5,521,470,000 | 253 |
| Average earning assets | $5,335,223,000 | 244 |
| Average equity | $619,123,000 | 231 |
| Average total loans | $3,959,579,333 | 223 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7297% | 221 |
| Cost of funding earning assets | 0.2490% | 2,173 |
| Net interest margin | 4.4807% | 176 |
| Noninterest income to average assets | 0.7667% | 1,126 |
| Noninterest expense to average assets | 2.6311% | 1,522 |
| Loan and lease loss provision to assets | 0.4745% | 103 |
| Net operating income to assets | 1.4954% | 644 |
| Return on assets (ROA) | 1.4954% | 634 |
| Pretax return on assets | 2.0044% | 353 |
| Return on Equity (ROE) | 12.1553% | 1,263 |
| Retained earnings to average equity (ytd only) | 12.1553% | 580 |
| Net charge-offs to loans | 0.1364% | 413 |
| Credit loss provision to net charge-offs | 484.7416% | 530 |
| Earnings coverage of net charge-offs (x) | 25.3240% | 1,199 |
| Efficiency ratio | 50.9232% | 4,260 |
| Assets per employee ($millions) | 18.2094% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,130 |
| Loan loss allowance to noncurrent loans | 112.9399% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5512% | 1,091 |
| Noncurrent loans to loans | 0.7608% | 1,253 |
| Net loans and leases to total assets | 71.1483% | 912 |
| Net loans and leases to deposits | 82.8215% | 953 |
| Net loans and leases to core deposits | 97.7637% | 582 |
| Total domestic deposits to total assets | 85.9057% | 3,295 |
| Equity capital to assets | 11.5967% | 1,093 |
| Core capital (leverage) ratio | 12.5641% | 892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9085% | 2,254 |
| Memoranda: | ||
| Average total assets | $4,981,257,000 | 274 |
| Average earning assets | $4,828,431,500 | 266 |
| Average equity | $612,836,000 | 238 |
| Average total loans | $3,573,502,500 | 241 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8931% | 307 |
| Cost of funding earning assets | 0.3009% | 2,399 |
| Net interest margin | 4.5922% | 229 |
| Noninterest income to average assets | 1.1365% | 814 |
| Noninterest expense to average assets | 3.0475% | 922 |
| Loan and lease loss provision to assets | 0.7017% | 65 |
| Net operating income to assets | 1.3386% | 1,480 |
| Return on assets (ROA) | 1.3386% | 1,518 |
| Pretax return on assets | 1.7795% | 957 |
| Return on Equity (ROE) | 9.8232% | 2,594 |
| Retained earnings to average equity (ytd only) | 9.8232% | 961 |
| Net charge-offs to loans | 0.1789% | 540 |
| Credit loss provision to net charge-offs | 488.4991% | 816 |
| Earnings coverage of net charge-offs (x) | 17.2736% | 1,948 |
| Efficiency ratio | 54.4993% | 3,877 |
| Assets per employee ($millions) | 17.0041% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8637% | 4,150 |
| Loan loss allowance to noncurrent loans | 140.0227% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.4423% | 1,490 |
| Noncurrent loans to loans | 0.6168% | 1,602 |
| Net loans and leases to total assets | 71.0838% | 916 |
| Net loans and leases to deposits | 84.7713% | 864 |
| Net loans and leases to core deposits | 97.5122% | 637 |
| Total domestic deposits to total assets | 83.8537% | 3,602 |
| Equity capital to assets | 13.1353% | 863 |
| Core capital (leverage) ratio | 16.4057% | 328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6007% | 1,362 |
| Memoranda: | ||
| Average total assets | $2,778,443,200 | 399 |
| Average earning assets | $2,657,487,600 | 386 |
| Average equity | $378,613,000 | 335 |
| Average total loans | $2,230,587,800 | 333 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0020% | 298 |
| Cost of funding earning assets | 0.3481% | 2,134 |
| Net interest margin | 4.6539% | 238 |
| Noninterest income to average assets | 1.3571% | 644 |
| Noninterest expense to average assets | 3.2768% | 620 |
| Loan and lease loss provision to assets | 0.8254% | 56 |
| Net operating income to assets | 1.2111% | 2,132 |
| Return on assets (ROA) | 1.2111% | 2,187 |
| Pretax return on assets | 1.6748% | 1,474 |
| Return on Equity (ROE) | 8.7319% | 3,192 |
| Retained earnings to average equity (ytd only) | 8.7319% | 1,793 |
| Net charge-offs to loans | 0.2449% | 335 |
| Credit loss provision to net charge-offs | 398.7535% | 855 |
| Earnings coverage of net charge-offs (x) | 12.0787% | 1,968 |
| Efficiency ratio | 56.0094% | 3,531 |
| Assets per employee ($millions) | 12.2277% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 4,170 |
| Loan loss allowance to noncurrent loans | 83.7442% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9375% | 721 |
| Noncurrent loans to loans | 1.0646% | 1,068 |
| Net loans and leases to total assets | 87.2800% | 48 |
| Net loans and leases to deposits | 111.2117% | 86 |
| Net loans and leases to core deposits | 138.0723% | 88 |
| Total domestic deposits to total assets | 78.4809% | 4,377 |
| Equity capital to assets | 15.2200% | 508 |
| Core capital (leverage) ratio | 18.5886% | 237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9585% | 1,625 |
| Memoranda: | ||
| Average total assets | $2,325,280,000 | 467 |
| Average earning assets | $2,208,367,750 | 456 |
| Average equity | $322,502,250 | 377 |
| Average total loans | $1,965,244,750 | 372 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9162% | 392 |
| Cost of funding earning assets | 0.4214% | 1,727 |
| Net interest margin | 4.4949% | 355 |
| Noninterest income to average assets | 1.4782% | 553 |
| Noninterest expense to average assets | 3.3843% | 548 |
| Loan and lease loss provision to assets | 0.4915% | 110 |
| Net operating income to assets | 1.3368% | 1,759 |
| Return on assets (ROA) | 1.3368% | 1,830 |
| Pretax return on assets | 1.8488% | 1,127 |
| Return on Equity (ROE) | 10.1121% | 2,704 |
| Retained earnings to average equity (ytd only) | 10.1121% | 1,364 |
| Net charge-offs to loans | 0.0934% | 776 |
| Credit loss provision to net charge-offs | 635.1852% | 601 |
| Earnings coverage of net charge-offs (x) | 30.2444% | 1,305 |
| Efficiency ratio | 58.3212% | 3,242 |
| Assets per employee ($millions) | 10.6249% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8884% | 4,184 |
| Loan loss allowance to noncurrent loans | 45.3073% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.5457% | 356 |
| Noncurrent loans to loans | 1.9609% | 506 |
| Net loans and leases to total assets | 78.1283% | 438 |
| Net loans and leases to deposits | 111.1927% | 101 |
| Net loans and leases to core deposits | 119.0163% | 227 |
| Total domestic deposits to total assets | 70.2638% | 4,748 |
| Equity capital to assets | 18.3093% | 254 |
| Core capital (leverage) ratio | 21.9196% | 130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7280% | 635 |
| Memoranda: | ||
| Average total assets | $2,093,623,667 | 503 |
| Average earning assets | $1,977,853,333 | 498 |
| Average equity | $276,776,000 | 414 |
| Average total loans | $1,733,730,667 | 407 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 482 |
| Cost of funding earning assets | 0.4332% | 1,842 |
| Net interest margin | 4.3744% | 448 |
| Noninterest income to average assets | 1.6405% | 525 |
| Noninterest expense to average assets | 3.7378% | 351 |
| Loan and lease loss provision to assets | 0.4952% | 131 |
| Net operating income to assets | 1.1260% | 2,397 |
| Return on assets (ROA) | 1.1260% | 2,469 |
| Pretax return on assets | 1.5573% | 1,835 |
| Return on Equity (ROE) | 11.3369% | 2,255 |
| Retained earnings to average equity (ytd only) | 11.3369% | 1,314 |
| Net charge-offs to loans | 0.1694% | 478 |
| Credit loss provision to net charge-offs | 342.3188% | 706 |
| Earnings coverage of net charge-offs (x) | 14.1884% | 1,373 |
| Efficiency ratio | 63.6880% | 2,505 |
| Assets per employee ($millions) | 8.9464% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8473% | 4,302 |
| Loan loss allowance to noncurrent loans | 35.1054% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 2.1143% | 228 |
| Noncurrent loans to loans | 2.4136% | 395 |
| Net loans and leases to total assets | 86.8048% | 73 |
| Net loans and leases to deposits | 113.8142% | 106 |
| Net loans and leases to core deposits | 124.4774% | 203 |
| Total domestic deposits to total assets | 76.2689% | 4,568 |
| Equity capital to assets | 9.7732% | 2,926 |
| Core capital (leverage) ratio | 10.1712% | 2,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7557% | 2,971 |
| Memoranda: | ||
| Average total assets | $1,907,952,000 | 552 |
| Average earning assets | $1,809,970,000 | 537 |
| Average equity | $189,505,000 | 563 |
| Average total loans | $1,629,046,500 | 441 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2895% | 270 |
| Cost of funding earning assets | 0.7934% | 1,241 |
| Net interest margin | 4.4961% | 332 |
| Noninterest income to average assets | 1.8273% | 383 |
| Noninterest expense to average assets | 4.1202% | 335 |
| Loan and lease loss provision to assets | 0.4570% | 605 |
| Net operating income to assets | 0.9855% | 2,347 |
| Return on assets (ROA) | 0.9856% | 2,487 |
| Pretax return on assets | 1.3537% | 1,808 |
| Return on Equity (ROE) | 8.0507% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.0507% | 1,035 |
| Net charge-offs to loans | 0.0630% | 1,876 |
| Credit loss provision to net charge-offs | 885.1406% | 838 |
| Earnings coverage of net charge-offs (x) | 35.0669% | 1,485 |
| Efficiency ratio | 68.3577% | 2,189 |
| Assets per employee ($millions) | 8.7673% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8422% | 4,339 |
| Loan loss allowance to noncurrent loans | 38.3506% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.8323% | 331 |
| Noncurrent loans to loans | 2.1961% | 492 |
| Net loans and leases to total assets | 82.6698% | 249 |
| Net loans and leases to deposits | 109.4360% | 171 |
| Net loans and leases to core deposits | 123.3443% | 271 |
| Total domestic deposits to total assets | 75.5417% | 4,536 |
| Equity capital to assets | 10.1379% | 2,992 |
| Core capital (leverage) ratio | 10.9112% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6590% | 2,751 |
| Memoranda: | ||
| Average total assets | $1,446,792,400 | 635 |
| Average earning assets | $1,320,454,800 | 639 |
| Average equity | $177,127,600 | 572 |
| Average total loans | $1,185,461,000 | 553 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4081% | 273 |
| Cost of funding earning assets | 0.8929% | 1,089 |
| Net interest margin | 4.5152% | 358 |
| Noninterest income to average assets | 1.8014% | 369 |
| Noninterest expense to average assets | 4.3077% | 292 |
| Loan and lease loss provision to assets | 0.3276% | 1,189 |
| Net operating income to assets | 1.0049% | 2,323 |
| Return on assets (ROA) | 1.0051% | 2,447 |
| Pretax return on assets | 1.3804% | 1,794 |
| Return on Equity (ROE) | 7.7543% | 2,898 |
| Retained earnings to average equity (ytd only) | 7.7543% | 1,390 |
| Net charge-offs to loans | 0.0899% | 1,405 |
| Credit loss provision to net charge-offs | 447.7027% | 1,371 |
| Earnings coverage of net charge-offs (x) | 23.3365% | 1,800 |
| Efficiency ratio | 70.4314% | 1,827 |
| Assets per employee ($millions) | 7.9152% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7152% | 4,548 |
| Loan loss allowance to noncurrent loans | 28.2117% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 2.1810% | 276 |
| Noncurrent loans to loans | 2.5351% | 413 |
| Net loans and leases to total assets | 85.3532% | 186 |
| Net loans and leases to deposits | 111.0385% | 213 |
| Net loans and leases to core deposits | 131.2595% | 227 |
| Total domestic deposits to total assets | 76.8681% | 4,340 |
| Equity capital to assets | 11.6230% | 1,922 |
| Core capital (leverage) ratio | 11.3227% | 1,695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8867% | 1,863 |
| Memoranda: | ||
| Average total assets | $1,348,206,750 | 662 |
| Average earning assets | $1,258,322,750 | 653 |
| Average equity | $174,746,500 | 572 |
| Average total loans | $1,098,078,750 | 577 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4454% | 373 |
| Cost of funding earning assets | 0.9941% | 1,002 |
| Net interest margin | 4.4512% | 559 |
| Noninterest income to average assets | 1.4159% | 526 |
| Noninterest expense to average assets | 4.3877% | 281 |
| Loan and lease loss provision to assets | 0.4068% | 988 |
| Net operating income to assets | 0.5515% | 3,884 |
| Return on assets (ROA) | 0.5518% | 3,963 |
| Pretax return on assets | 0.7578% | 3,716 |
| Return on Equity (ROE) | 4.0841% | 4,072 |
| Retained earnings to average equity (ytd only) | 4.0841% | 2,861 |
| Net charge-offs to loans | 0.1375% | 1,026 |
| Credit loss provision to net charge-offs | 371.6332% | 1,470 |
| Earnings coverage of net charge-offs (x) | 10.6361% | 2,140 |
| Efficiency ratio | 77.6780% | 1,083 |
| Assets per employee ($millions) | 7.8964% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7004% | 4,563 |
| Loan loss allowance to noncurrent loans | 35.2842% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.6506% | 526 |
| Noncurrent loans to loans | 1.9849% | 686 |
| Net loans and leases to total assets | 82.4926% | 373 |
| Net loans and leases to deposits | 102.8354% | 420 |
| Net loans and leases to core deposits | 129.2661% | 266 |
| Total domestic deposits to total assets | 80.2181% | 3,787 |
| Equity capital to assets | 11.3700% | 2,061 |
| Core capital (leverage) ratio | 11.3579% | 1,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8896% | 1,520 |
| Memoranda: | ||
| Average total assets | $1,275,203,000 | 678 |
| Average earning assets | $1,184,934,000 | 675 |
| Average equity | $172,276,000 | 577 |
| Average total loans | $1,015,003,000 | 611 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8736% | 194 |
| Cost of funding earning assets | 1.1314% | 953 |
| Net interest margin | 4.7422% | 301 |
| Noninterest income to average assets | 1.1620% | 646 |
| Noninterest expense to average assets | 4.9166% | 235 |
| Loan and lease loss provision to assets | 0.4868% | 605 |
| Net operating income to assets | 0.0869% | 4,665 |
| Return on assets (ROA) | 0.0875% | 4,659 |
| Pretax return on assets | 0.1204% | 4,645 |
| Return on Equity (ROE) | 0.5852% | 4,682 |
| Retained earnings to average equity (ytd only) | 0.5852% | 3,848 |
| Net charge-offs to loans | 0.2623% | 558 |
| Credit loss provision to net charge-offs | 240.2418% | 1,311 |
| Earnings coverage of net charge-offs (x) | 2.9931% | 2,241 |
| Efficiency ratio | 87.5040% | 610 |
| Assets per employee ($millions) | 6.0226% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8334% | 4,325 |
| Loan loss allowance to noncurrent loans | 26.3642% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.5606% | 262 |
| Noncurrent loans to loans | 3.1610% | 324 |
| Net loans and leases to total assets | 79.7908% | 720 |
| Net loans and leases to deposits | 94.2888% | 1,051 |
| Net loans and leases to core deposits | 119.4682% | 485 |
| Total domestic deposits to total assets | 84.6238% | 2,559 |
| Equity capital to assets | 14.5467% | 878 |
| Core capital (leverage) ratio | 13.3762% | 1,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7685% | 1,982 |
| Memoranda: | ||
| Average total assets | $1,142,903,000 | 734 |
| Average earning assets | $1,051,083,500 | 733 |
| Average equity | $170,876,500 | 578 |
| Average total loans | $882,913,500 | 682 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5097% | 111 |
| Cost of funding earning assets | 1.2736% | 829 |
| Net interest margin | 5.2361% | 176 |
| Noninterest income to average assets | 1.8391% | 298 |
| Noninterest expense to average assets | 5.2335% | 182 |
| Loan and lease loss provision to assets | 0.4211% | 332 |
| Net operating income to assets | 0.7201% | 3,798 |
| Return on assets (ROA) | 0.7117% | 3,894 |
| Pretax return on assets | 0.9798% | 3,514 |
| Return on Equity (ROE) | 5.1437% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.1437% | 2,345 |
| Net charge-offs to loans | 0.3426% | 595 |
| Credit loss provision to net charge-offs | 152.9774% | 1,670 |
| Earnings coverage of net charge-offs (x) | 5.1277% | 3,127 |
| Efficiency ratio | 77.4151% | 1,221 |
| Assets per employee ($millions) | 5.8188% | 1,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 4,123 |
| Loan loss allowance to noncurrent loans | 23.3125% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 2.7442% | 209 |
| Noncurrent loans to loans | 3.6908% | 214 |
| Net loans and leases to total assets | 73.2248% | 1,886 |
| Net loans and leases to deposits | 87.8880% | 1,864 |
| Net loans and leases to core deposits | 106.8504% | 1,058 |
| Total domestic deposits to total assets | 83.3160% | 3,098 |
| Equity capital to assets | 15.3784% | 711 |
| Core capital (leverage) ratio | 13.5222% | 1,048 |
| Tier 1 risk-based capital ratio | 15.8215% | 2,469 |
| Total risk-based capital ratio | 16.6466% | 2,551 |
| Memoranda: | ||
| Average total assets | $1,061,458,600 | 743 |
| Average earning assets | $974,253,400 | 742 |
| Average equity | $146,859,000 | 636 |
| Average total loans | $852,830,800 | 678 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6391% | 95 |
| Cost of funding earning assets | 1.2834% | 825 |
| Net interest margin | 5.3557% | 152 |
| Noninterest income to average assets | 1.9063% | 283 |
| Noninterest expense to average assets | 5.2651% | 178 |
| Loan and lease loss provision to assets | 0.4749% | 258 |
| Net operating income to assets | 0.7806% | 3,736 |
| Return on assets (ROA) | 0.7806% | 3,806 |
| Pretax return on assets | 1.0747% | 3,361 |
| Return on Equity (ROE) | 5.8133% | 4,100 |
| Retained earnings to average equity (ytd only) | 5.8133% | 2,455 |
| Net charge-offs to loans | 0.0824% | 1,648 |
| Credit loss provision to net charge-offs | 702.2556% | 474 |
| Earnings coverage of net charge-offs (x) | 22.9153% | 1,851 |
| Efficiency ratio | 75.9410% | 1,341 |
| Assets per employee ($millions) | 5.9899% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 3,262 |
| Loan loss allowance to noncurrent loans | 29.9921% | 4,501 |
| Noncurrent assets plus other real estate owned to assets | 2.6470% | 236 |
| Noncurrent loans to loans | 3.5145% | 229 |
| Net loans and leases to total assets | 74.2610% | 1,765 |
| Net loans and leases to deposits | 86.5574% | 2,128 |
| Net loans and leases to core deposits | 108.3324% | 1,031 |
| Total domestic deposits to total assets | 85.7939% | 2,085 |
| Equity capital to assets | 13.0863% | 1,577 |
| Core capital (leverage) ratio | 11.2171% | 2,457 |
| Tier 1 risk-based capital ratio | 12.7434% | 3,997 |
| Total risk-based capital ratio | 13.7501% | 4,016 |
| Memoranda: | ||
| Average total assets | $1,048,975,500 | 752 |
| Average earning assets | $961,344,250 | 751 |
| Average equity | $140,845,250 | 657 |
| Average total loans | $860,819,250 | 671 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7417% | 89 |
| Cost of funding earning assets | 1.2889% | 767 |
| Net interest margin | 5.4529% | 137 |
| Noninterest income to average assets | 2.0540% | 256 |
| Noninterest expense to average assets | 5.5121% | 162 |
| Loan and lease loss provision to assets | 0.5232% | 221 |
| Net operating income to assets | 0.7370% | 3,876 |
| Return on assets (ROA) | 0.7370% | 3,934 |
| Pretax return on assets | 1.0147% | 3,492 |
| Return on Equity (ROE) | 5.4396% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.4396% | 2,548 |
| Net charge-offs to loans | 0.0566% | 1,833 |
| Credit loss provision to net charge-offs | 1,092.3077% | 319 |
| Earnings coverage of net charge-offs (x) | 32.1053% | 1,411 |
| Efficiency ratio | 76.8954% | 1,283 |
| Assets per employee ($millions) | 5.5188% | 1,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 4,075 |
| Loan loss allowance to noncurrent loans | 28.4826% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 2.5989% | 277 |
| Noncurrent loans to loans | 3.1706% | 308 |
| Net loans and leases to total assets | 81.2264% | 704 |
| Net loans and leases to deposits | 94.7520% | 1,178 |
| Net loans and leases to core deposits | 118.1157% | 597 |
| Total domestic deposits to total assets | 85.7253% | 2,169 |
| Equity capital to assets | 13.1331% | 1,526 |
| Core capital (leverage) ratio | 10.7998% | 2,791 |
| Tier 1 risk-based capital ratio | 12.0052% | 4,412 |
| Total risk-based capital ratio | 12.8930% | 4,507 |
| Memoranda: | ||
| Average total assets | $1,031,254,000 | 760 |
| Average earning assets | $944,862,000 | 759 |
| Average equity | $139,717,330 | 657 |
| Average total loans | $872,032,670 | 668 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7662% | 90 |
| Cost of funding earning assets | 1.2174% | 857 |
| Net interest margin | 5.5488% | 110 |
| Noninterest income to average assets | 2.2625% | 206 |
| Noninterest expense to average assets | 5.4742% | 166 |
| Loan and lease loss provision to assets | 0.0262% | 3,085 |
| Net operating income to assets | 1.3406% | 1,558 |
| Return on assets (ROA) | 1.3406% | 1,596 |
| Pretax return on assets | 1.8458% | 881 |
| Return on Equity (ROE) | 9.7359% | 2,481 |
| Retained earnings to average equity (ytd only) | 9.7359% | 1,099 |
| Net charge-offs to loans | 0.0161% | 2,150 |
| Credit loss provision to net charge-offs | 188.5714% | 1,085 |
| Earnings coverage of net charge-offs (x) | 134.8857% | 544 |
| Efficiency ratio | 73.2768% | 1,848 |
| Assets per employee ($millions) | 4.5832% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6019% | 4,933 |
| Loan loss allowance to noncurrent loans | 47.4829% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0938% | 1,265 |
| Noncurrent loans to loans | 1.2676% | 1,300 |
| Net loans and leases to total assets | 85.7667% | 207 |
| Net loans and leases to deposits | 104.3634% | 384 |
| Net loans and leases to core deposits | 127.3438% | 351 |
| Total domestic deposits to total assets | 82.1808% | 3,680 |
| Equity capital to assets | 13.1764% | 1,359 |
| Core capital (leverage) ratio | 11.3888% | 2,224 |
| Tier 1 risk-based capital ratio | 11.8222% | 4,553 |
| Total risk-based capital ratio | 12.4417% | 4,799 |
| Memoranda: | ||
| Average total assets | $1,008,797,500 | 780 |
| Average earning assets | $924,237,500 | 781 |
| Average equity | $138,909,000 | 661 |
| Average total loans | $867,000,000 | 669 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4719% | 90 |
| Cost of funding earning assets | 0.8694% | 1,225 |
| Net interest margin | 5.6025% | 98 |
| Noninterest income to average assets | 3.3889% | 133 |
| Noninterest expense to average assets | 6.3505% | 121 |
| Loan and lease loss provision to assets | -0.0229% | 5,139 |
| Net operating income to assets | 1.6300% | 814 |
| Return on assets (ROA) | 1.6300% | 807 |
| Pretax return on assets | 2.2186% | 344 |
| Return on Equity (ROE) | 12.5409% | 1,528 |
| Retained earnings to average equity (ytd only) | 12.5409% | 275 |
| Net charge-offs to loans | 0.1672% | 1,152 |
| Credit loss provision to net charge-offs | -16.8421% | 4,286 |
| Earnings coverage of net charge-offs (x) | 16.1256% | 2,274 |
| Efficiency ratio | 73.2328% | 1,727 |
| Assets per employee ($millions) | 4.0762% | 3,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6787% | 4,845 |
| Loan loss allowance to noncurrent loans | 51.7597% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 1.1219% | 1,190 |
| Noncurrent loans to loans | 1.3113% | 1,200 |
| Net loans and leases to total assets | 84.9754% | 316 |
| Net loans and leases to deposits | 101.2118% | 652 |
| Net loans and leases to core deposits | 114.6248% | 756 |
| Total domestic deposits to total assets | 83.9580% | 3,012 |
| Equity capital to assets | 14.4364% | 858 |
| Core capital (leverage) ratio | 11.0947% | 2,442 |
| Tier 1 risk-based capital ratio | 12.8565% | 3,933 |
| Total risk-based capital ratio | 13.5449% | 4,125 |
| Memoranda: | ||
| Average total assets | $976,799,200 | 786 |
| Average earning assets | $899,163,400 | 784 |
| Average equity | $126,960,400 | 680 |
| Average total loans | $795,509,800 | 703 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1684% | 123 |
| Cost of funding earning assets | 0.7967% | 1,358 |
| Net interest margin | 5.3717% | 132 |
| Noninterest income to average assets | 3.6518% | 128 |
| Noninterest expense to average assets | 6.3769% | 122 |
| Loan and lease loss provision to assets | 0.0084% | 3,811 |
| Net operating income to assets | 1.6352% | 881 |
| Return on assets (ROA) | 1.6352% | 887 |
| Pretax return on assets | 2.2257% | 387 |
| Return on Equity (ROE) | 12.9265% | 1,461 |
| Retained earnings to average equity (ytd only) | 12.9265% | 370 |
| Net charge-offs to loans | 0.1601% | 1,035 |
| Credit loss provision to net charge-offs | 6.5263% | 3,065 |
| Earnings coverage of net charge-offs (x) | 17.3484% | 2,114 |
| Efficiency ratio | 74.0551% | 1,587 |
| Assets per employee ($millions) | 3.8521% | 4,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 4,708 |
| Loan loss allowance to noncurrent loans | 56.5870% | 4,268 |
| Noncurrent assets plus other real estate owned to assets | 1.0821% | 1,334 |
| Noncurrent loans to loans | 1.3606% | 1,227 |
| Net loans and leases to total assets | 78.0413% | 1,341 |
| Net loans and leases to deposits | 91.7951% | 1,650 |
| Net loans and leases to core deposits | 106.4450% | 1,276 |
| Total domestic deposits to total assets | 85.0168% | 2,602 |
| Equity capital to assets | 13.0449% | 1,314 |
| Core capital (leverage) ratio | 10.7356% | 2,853 |
| Tier 1 risk-based capital ratio | 12.8044% | 4,019 |
| Total risk-based capital ratio | 13.5751% | 4,190 |
| Memoranda: | ||
| Average total assets | $983,560,250 | 780 |
| Average earning assets | $908,050,000 | 772 |
| Average equity | $124,423,000 | 691 |
| Average total loans | $791,244,000 | 706 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9117% | 157 |
| Cost of funding earning assets | 0.6872% | 1,702 |
| Net interest margin | 5.2245% | 160 |
| Noninterest income to average assets | 3.9611% | 118 |
| Noninterest expense to average assets | 6.6002% | 119 |
| Loan and lease loss provision to assets | -0.0111% | 5,305 |
| Net operating income to assets | 1.6234% | 873 |
| Return on assets (ROA) | 1.6234% | 875 |
| Pretax return on assets | 2.2087% | 382 |
| Return on Equity (ROE) | 12.9751% | 1,383 |
| Retained earnings to average equity (ytd only) | 12.9751% | 384 |
| Net charge-offs to loans | 0.1582% | 977 |
| Credit loss provision to net charge-offs | -8.6677% | 3,931 |
| Earnings coverage of net charge-offs (x) | 17.1284% | 1,969 |
| Efficiency ratio | 75.0211% | 1,559 |
| Assets per employee ($millions) | 3.5895% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7513% | 4,826 |
| Loan loss allowance to noncurrent loans | 42.0609% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 1.5408% | 855 |
| Noncurrent loans to loans | 1.7861% | 876 |
| Net loans and leases to total assets | 84.9287% | 365 |
| Net loans and leases to deposits | 100.0323% | 804 |
| Net loans and leases to core deposits | 109.7351% | 1,016 |
| Total domestic deposits to total assets | 84.9012% | 2,708 |
| Equity capital to assets | 12.9734% | 1,306 |
| Core capital (leverage) ratio | 10.6882% | 2,824 |
| Tier 1 risk-based capital ratio | 11.4897% | 4,789 |
| Total risk-based capital ratio | 12.2671% | 4,948 |
| Memoranda: | ||
| Average total assets | $971,148,330 | 790 |
| Average earning assets | $899,065,000 | 777 |
| Average equity | $121,510,000 | 706 |
| Average total loans | $787,384,330 | 703 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7688% | 191 |
| Cost of funding earning assets | 0.6749% | 1,567 |
| Net interest margin | 5.0939% | 197 |
| Noninterest income to average assets | 3.6946% | 129 |
| Noninterest expense to average assets | 6.4512% | 126 |
| Loan and lease loss provision to assets | -0.0425% | 5,455 |
| Net operating income to assets | 1.4965% | 1,089 |
| Return on assets (ROA) | 1.4965% | 1,094 |
| Pretax return on assets | 2.0367% | 531 |
| Return on Equity (ROE) | 12.1935% | 1,510 |
| Retained earnings to average equity (ytd only) | 12.1935% | 649 |
| Net charge-offs to loans | 0.1572% | 898 |
| Credit loss provision to net charge-offs | -34.3434% | 3,595 |
| Earnings coverage of net charge-offs (x) | 16.1077% | 1,638 |
| Efficiency ratio | 76.3870% | 1,544 |
| Assets per employee ($millions) | 2.7546% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8614% | 4,595 |
| Loan loss allowance to noncurrent loans | 37.2210% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.8587% | 646 |
| Noncurrent loans to loans | 2.3142% | 619 |
| Net loans and leases to total assets | 79.6259% | 990 |
| Net loans and leases to deposits | 93.7282% | 1,252 |
| Net loans and leases to core deposits | 105.1507% | 1,303 |
| Total domestic deposits to total assets | 84.9540% | 2,950 |
| Equity capital to assets | 12.9380% | 1,279 |
| Core capital (leverage) ratio | 10.1227% | 3,398 |
| Tier 1 risk-based capital ratio | 11.7676% | 4,701 |
| Total risk-based capital ratio | 12.6284% | 4,833 |
| Memoranda: | ||
| Average total assets | $959,570,500 | 801 |
| Average earning assets | $894,956,000 | 784 |
| Average equity | $117,767,500 | 727 |
| Average total loans | $755,656,000 | 732 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4149% | 303 |
| Cost of funding earning assets | 0.5541% | 1,916 |
| Net interest margin | 4.8608% | 301 |
| Noninterest income to average assets | 2.9005% | 182 |
| Noninterest expense to average assets | 4.9372% | 227 |
| Loan and lease loss provision to assets | 0.2882% | 610 |
| Net operating income to assets | 1.2084% | 1,497 |
| Return on assets (ROA) | 1.2084% | 1,525 |
| Pretax return on assets | 2.2683% | 283 |
| Return on Equity (ROE) | 10.0748% | 1,852 |
| Retained earnings to average equity (ytd only) | 10.0748% | 339 |
| Net charge-offs to loans | 0.3209% | 790 |
| Credit loss provision to net charge-offs | 115.2696% | 2,276 |
| Earnings coverage of net charge-offs (x) | 10.2261% | 2,702 |
| Efficiency ratio | 65.8847% | 3,293 |
| Assets per employee ($millions) | 3.0610% | 5,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9592% | 4,164 |
| Loan loss allowance to noncurrent loans | 56.7609% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.3192% | 1,096 |
| Noncurrent loans to loans | 1.6899% | 970 |
| Net loans and leases to total assets | 76.4259% | 1,522 |
| Net loans and leases to deposits | 88.4126% | 1,969 |
| Net loans and leases to core deposits | 100.0824% | 1,706 |
| Total domestic deposits to total assets | 86.4424% | 2,258 |
| Equity capital to assets | 11.6015% | 2,113 |
| Core capital (leverage) ratio | 11.3727% | 2,040 |
| Tier 1 risk-based capital ratio | 13.7359% | 3,503 |
| Total risk-based capital ratio | 14.6762% | 3,581 |
| Memoranda: | ||
| Average total assets | $882,801,000 | 848 |
| Average earning assets | $834,204,600 | 824 |
| Average equity | $105,887,800 | 774 |
| Average total loans | $687,710,000 | 759 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 307 |
| Cost of funding earning assets | 0.5239% | 2,080 |
| Net interest margin | 4.8537% | 295 |
| Noninterest income to average assets | 3.1389% | 177 |
| Noninterest expense to average assets | 5.0566% | 218 |
| Loan and lease loss provision to assets | 0.3153% | 490 |
| Net operating income to assets | 1.4211% | 1,045 |
| Return on assets (ROA) | 1.4250% | 1,063 |
| Pretax return on assets | 2.3566% | 272 |
| Return on Equity (ROE) | 11.7737% | 1,404 |
| Retained earnings to average equity (ytd only) | 11.7737% | 316 |
| Net charge-offs to loans | 0.3009% | 700 |
| Credit loss provision to net charge-offs | 134.1864% | 1,834 |
| Earnings coverage of net charge-offs (x) | 11.3451% | 2,510 |
| Efficiency ratio | 65.4794% | 3,291 |
| Assets per employee ($millions) | 2.9414% | 5,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,141 |
| Loan loss allowance to noncurrent loans | 57.1237% | 4,402 |
| Noncurrent assets plus other real estate owned to assets | 1.4645% | 1,045 |
| Noncurrent loans to loans | 1.7270% | 1,046 |
| Net loans and leases to total assets | 82.4969% | 602 |
| Net loans and leases to deposits | 96.7012% | 1,043 |
| Net loans and leases to core deposits | 107.5637% | 1,163 |
| Total domestic deposits to total assets | 85.3111% | 2,590 |
| Equity capital to assets | 12.4185% | 1,707 |
| Core capital (leverage) ratio | 12.0988% | 1,626 |
| Tier 1 risk-based capital ratio | 14.2378% | 3,335 |
| Total risk-based capital ratio | 15.2468% | 3,358 |
| Memoranda: | ||
| Average total assets | $864,744,250 | 866 |
| Average earning assets | $816,629,000 | 849 |
| Average equity | $104,660,250 | 784 |
| Average total loans | $675,398,000 | 777 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 356 |
| Cost of funding earning assets | 0.5104% | 2,083 |
| Net interest margin | 4.7499% | 356 |
| Noninterest income to average assets | 2.8915% | 191 |
| Noninterest expense to average assets | 4.8450% | 243 |
| Loan and lease loss provision to assets | 0.2925% | 532 |
| Net operating income to assets | 1.3532% | 1,170 |
| Return on assets (ROA) | 1.3532% | 1,195 |
| Pretax return on assets | 2.2376% | 331 |
| Return on Equity (ROE) | 11.2813% | 1,538 |
| Retained earnings to average equity (ytd only) | 11.2813% | 402 |
| Net charge-offs to loans | 0.2435% | 839 |
| Credit loss provision to net charge-offs | 157.3935% | 1,483 |
| Earnings coverage of net charge-offs (x) | 13.6153% | 2,125 |
| Efficiency ratio | 65.6942% | 3,401 |
| Assets per employee ($millions) | 3.0127% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 3,883 |
| Loan loss allowance to noncurrent loans | 100.9973% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 0.8129% | 2,177 |
| Noncurrent loans to loans | 1.0336% | 1,899 |
| Net loans and leases to total assets | 76.9462% | 1,389 |
| Net loans and leases to deposits | 90.7857% | 1,633 |
| Net loans and leases to core deposits | 98.8783% | 1,738 |
| Total domestic deposits to total assets | 84.7559% | 2,908 |
| Equity capital to assets | 11.9859% | 1,938 |
| Core capital (leverage) ratio | 11.7981% | 1,768 |
| Tier 1 risk-based capital ratio | 14.9843% | 2,931 |
| Total risk-based capital ratio | 16.0742% | 2,928 |
| Memoranda: | ||
| Average total assets | $858,856,000 | 881 |
| Average earning assets | $810,716,670 | 859 |
| Average equity | $103,019,670 | 798 |
| Average total loans | $655,459,670 | 803 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1743% | 396 |
| Cost of funding earning assets | 0.4966% | 2,119 |
| Net interest margin | 4.6777% | 385 |
| Noninterest income to average assets | 2.6122% | 222 |
| Noninterest expense to average assets | 4.8507% | 260 |
| Loan and lease loss provision to assets | 0.1311% | 1,461 |
| Net operating income to assets | 1.2382% | 1,411 |
| Return on assets (ROA) | 1.2382% | 1,447 |
| Pretax return on assets | 2.0473% | 464 |
| Return on Equity (ROE) | 10.3187% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.3187% | 742 |
| Net charge-offs to loans | 0.2511% | 718 |
| Credit loss provision to net charge-offs | 69.0773% | 1,846 |
| Earnings coverage of net charge-offs (x) | 11.4813% | 1,888 |
| Efficiency ratio | 69.0092% | 3,046 |
| Assets per employee ($millions) | 2.9915% | 5,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0236% | 4,140 |
| Loan loss allowance to noncurrent loans | 90.7817% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,102 |
| Noncurrent loans to loans | 1.1275% | 1,812 |
| Net loans and leases to total assets | 74.6850% | 1,632 |
| Net loans and leases to deposits | 88.7475% | 1,703 |
| Net loans and leases to core deposits | 95.6768% | 1,838 |
| Total domestic deposits to total assets | 84.1545% | 3,419 |
| Equity capital to assets | 12.0134% | 1,824 |
| Core capital (leverage) ratio | 11.9275% | 1,677 |
| Tier 1 risk-based capital ratio | 16.1386% | 2,494 |
| Total risk-based capital ratio | 17.2548% | 2,502 |
| Memoranda: | ||
| Average total assets | $845,410,500 | 897 |
| Average earning assets | $798,250,500 | 879 |
| Average equity | $101,447,000 | 811 |
| Average total loans | $638,820,000 | 825 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4855% | 254 |
| Cost of funding earning assets | 0.5446% | 1,750 |
| Net interest margin | 4.9409% | 277 |
| Noninterest income to average assets | 4.1084% | 142 |
| Noninterest expense to average assets | 5.9800% | 167 |
| Loan and lease loss provision to assets | 0.4561% | 313 |
| Net operating income to assets | 1.3826% | 1,044 |
| Return on assets (ROA) | 1.3826% | 1,087 |
| Pretax return on assets | 2.2889% | 282 |
| Return on Equity (ROE) | 12.9329% | 1,007 |
| Retained earnings to average equity (ytd only) | 11.3159% | 273 |
| Net charge-offs to loans | 0.2623% | 1,055 |
| Credit loss provision to net charge-offs | 223.3073% | 1,284 |
| Earnings coverage of net charge-offs (x) | 13.4401% | 2,370 |
| Efficiency ratio | 68.5391% | 3,155 |
| Assets per employee ($millions) | 2.9493% | 5,389 |
| Cash dividends to net income (ytd only)* | 12.5024% | 3,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 3,912 |
| Loan loss allowance to noncurrent loans | 56.8869% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.5405% | 1,059 |
| Noncurrent loans to loans | 1.8759% | 995 |
| Net loans and leases to total assets | 75.0405% | 1,687 |
| Net loans and leases to deposits | 89.1843% | 1,782 |
| Net loans and leases to core deposits | 99.0214% | 1,705 |
| Total domestic deposits to total assets | 84.1409% | 3,378 |
| Equity capital to assets | 12.0042% | 1,806 |
| Core capital (leverage) ratio | 11.7902% | 1,731 |
| Tier 1 risk-based capital ratio | 15.6504% | 2,685 |
| Total risk-based capital ratio | 16.7567% | 2,677 |
| Memoranda: | ||
| Average total assets | $752,077,600 | 963 |
| Average earning assets | $702,705,000 | 950 |
| Average equity | $80,399,800 | 983 |
| Average total loans | $585,517,600 | 848 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5577% | 232 |
| Cost of funding earning assets | 0.5679% | 1,557 |
| Net interest margin | 4.9899% | 254 |
| Noninterest income to average assets | 4.4060% | 141 |
| Noninterest expense to average assets | 6.4386% | 150 |
| Loan and lease loss provision to assets | 0.3711% | 414 |
| Net operating income to assets | 1.3639% | 1,133 |
| Return on assets (ROA) | 1.3639% | 1,212 |
| Pretax return on assets | 2.2511% | 342 |
| Return on Equity (ROE) | 13.2200% | 990 |
| Retained earnings to average equity (ytd only) | 10.9255% | 439 |
| Net charge-offs to loans | 0.1240% | 1,717 |
| Credit loss provision to net charge-offs | 381.6479% | 872 |
| Earnings coverage of net charge-offs (x) | 26.9664% | 1,581 |
| Efficiency ratio | 71.0593% | 2,731 |
| Assets per employee ($millions) | 3.0535% | 5,338 |
| Cash dividends to net income (ytd only)* | 17.3565% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9835% | 4,499 |
| Loan loss allowance to noncurrent loans | 37.2905% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 2.1318% | 705 |
| Noncurrent loans to loans | 2.6373% | 637 |
| Net loans and leases to total assets | 76.3183% | 1,474 |
| Net loans and leases to deposits | 89.7702% | 1,788 |
| Net loans and leases to core deposits | 99.9826% | 1,637 |
| Total domestic deposits to total assets | 85.0153% | 2,799 |
| Equity capital to assets | 10.6886% | 3,364 |
| Core capital (leverage) ratio | 10.9508% | 2,502 |
| Tier 1 risk-based capital ratio | 14.1014% | 3,505 |
| Total risk-based capital ratio | 15.1566% | 3,536 |
| Memoranda: | ||
| Average total assets | $732,172,500 | 985 |
| Average earning assets | $683,020,500 | 975 |
| Average equity | $75,540,000 | 1,055 |
| Average total loans | $574,186,500 | 863 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6047% | 214 |
| Cost of funding earning assets | 0.5960% | 1,346 |
| Net interest margin | 5.0087% | 251 |
| Noninterest income to average assets | 4.4915% | 140 |
| Noninterest expense to average assets | 6.8559% | 142 |
| Loan and lease loss provision to assets | 0.4778% | 280 |
| Net operating income to assets | 1.1239% | 1,872 |
| Return on assets (ROA) | 1.1239% | 1,983 |
| Pretax return on assets | 1.8511% | 786 |
| Return on Equity (ROE) | 11.4907% | 1,481 |
| Retained earnings to average equity (ytd only) | 7.6624% | 1,306 |
| Net charge-offs to loans | 0.0930% | 1,911 |
| Credit loss provision to net charge-offs | 648.0469% | 531 |
| Earnings coverage of net charge-offs (x) | 31.5859% | 1,357 |
| Efficiency ratio | 74.6433% | 2,268 |
| Assets per employee ($millions) | 2.8041% | 5,606 |
| Cash dividends to net income (ytd only)* | 33.3162% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 4,617 |
| Loan loss allowance to noncurrent loans | 62.0046% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.2822% | 1,587 |
| Noncurrent loans to loans | 1.5792% | 1,360 |
| Net loans and leases to total assets | 80.3982% | 840 |
| Net loans and leases to deposits | 93.1721% | 1,378 |
| Net loans and leases to core deposits | 101.2937% | 1,532 |
| Total domestic deposits to total assets | 86.2900% | 2,275 |
| Equity capital to assets | 10.3979% | 3,744 |
| Core capital (leverage) ratio | 10.3916% | 3,086 |
| Tier 1 risk-based capital ratio | 12.8624% | 4,278 |
| Total risk-based capital ratio | 13.8783% | 4,333 |
| Memoranda: | ||
| Average total assets | $694,382,670 | 1,033 |
| Average earning assets | $650,664,330 | 1,019 |
| Average equity | $67,915,670 | 1,160 |
| Average total loans | $550,566,000 | 896 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8381% | 152 |
| Cost of funding earning assets | 0.6538% | 1,032 |
| Net interest margin | 5.1843% | 184 |
| Noninterest income to average assets | 4.2329% | 145 |
| Noninterest expense to average assets | 7.6197% | 120 |
| Loan and lease loss provision to assets | 0.4807% | 266 |
| Net operating income to assets | 0.6200% | 4,092 |
| Return on assets (ROA) | 0.6200% | 4,211 |
| Pretax return on assets | 1.0102% | 3,441 |
| Return on Equity (ROE) | 6.5908% | 3,679 |
| Retained earnings to average equity (ytd only) | -1.9261% | 5,382 |
| Net charge-offs to loans | 0.0947% | 1,568 |
| Credit loss provision to net charge-offs | 650.0000% | 499 |
| Earnings coverage of net charge-offs (x) | 20.1583% | 1,478 |
| Efficiency ratio | 83.6355% | 1,193 |
| Assets per employee ($millions) | 2.8345% | 5,658 |
| Cash dividends to net income (ytd only)* | 129.2247% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 4,999 |
| Loan loss allowance to noncurrent loans | 50.5192% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3712% | 1,538 |
| Noncurrent loans to loans | 1.8137% | 1,225 |
| Net loans and leases to total assets | 74.9109% | 1,568 |
| Net loans and leases to deposits | 86.0867% | 2,054 |
| Net loans and leases to core deposits | 95.0698% | 1,883 |
| Total domestic deposits to total assets | 87.0180% | 2,205 |
| Equity capital to assets | 9.8787% | 4,244 |
| Core capital (leverage) ratio | 9.8669% | 3,702 |
| Tier 1 risk-based capital ratio | 13.5600% | 3,942 |
| Total risk-based capital ratio | 14.5445% | 4,025 |
| Memoranda: | ||
| Average total assets | $649,005,500 | 1,089 |
| Average earning assets | $610,611,000 | 1,065 |
| Average equity | $61,054,500 | 1,278 |
| Average total loans | $507,110,000 | 967 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9660% | 671 |
| Cost of funding earning assets | 0.5935% | 1,409 |
| Net interest margin | 4.3725% | 842 |
| Noninterest income to average assets | 0.3466% | 4,430 |
| Noninterest expense to average assets | 2.8808% | 2,927 |
| Loan and lease loss provision to assets | 0.2330% | 844 |
| Net operating income to assets | 0.8469% | 3,128 |
| Return on assets (ROA) | 0.8469% | 3,198 |
| Pretax return on assets | 1.4014% | 1,895 |
| Return on Equity (ROE) | 9.5723% | 2,195 |
| Retained earnings to average equity (ytd only) | 9.5723% | 522 |
| Net charge-offs to loans | 0.1819% | 1,580 |
| Credit loss provision to net charge-offs | 162.5740% | 1,652 |
| Earnings coverage of net charge-offs (x) | 11.4053% | 2,580 |
| Efficiency ratio | 63.8028% | 4,314 |
| Assets per employee ($millions) | 7.5275% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1681% | 3,660 |
| Loan loss allowance to noncurrent loans | 71.3149% | 4,352 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 1,565 |
| Noncurrent loans to loans | 1.6379% | 1,391 |
| Net loans and leases to total assets | 81.1630% | 683 |
| Net loans and leases to deposits | 96.4851% | 961 |
| Net loans and leases to core deposits | 115.3080% | 623 |
| Total domestic deposits to total assets | 84.1197% | 3,442 |
| Equity capital to assets | 8.6657% | 5,413 |
| Core capital (leverage) ratio | 9.1751% | 4,651 |
| Tier 1 risk-based capital ratio | 10.2547% | 5,880 |
| Total risk-based capital ratio | 11.4127% | 5,834 |
| Memoranda: | ||
| Average total assets | $471,741,200 | 1,428 |
| Average earning assets | $449,737,800 | 1,378 |
| Average equity | $41,735,000 | 1,736 |
| Average total loans | $371,535,400 | 1,226 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8806% | 801 |
| Cost of funding earning assets | 0.6009% | 1,399 |
| Net interest margin | 4.2798% | 1,000 |
| Noninterest income to average assets | 0.3607% | 4,352 |
| Noninterest expense to average assets | 2.8677% | 2,943 |
| Loan and lease loss provision to assets | 0.1616% | 1,325 |
| Net operating income to assets | 0.8568% | 3,140 |
| Return on assets (ROA) | 0.8568% | 3,230 |
| Pretax return on assets | 1.4182% | 1,935 |
| Return on Equity (ROE) | 9.6306% | 2,248 |
| Retained earnings to average equity (ytd only) | 9.6306% | 705 |
| Net charge-offs to loans | 0.0702% | 2,562 |
| Credit loss provision to net charge-offs | 295.7895% | 974 |
| Earnings coverage of net charge-offs (x) | 28.9102% | 1,537 |
| Efficiency ratio | 64.4788% | 4,162 |
| Assets per employee ($millions) | 7.0569% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2736% | 3,239 |
| Loan loss allowance to noncurrent loans | 74.5755% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 1,674 |
| Noncurrent loans to loans | 1.7078% | 1,409 |
| Net loans and leases to total assets | 79.6716% | 862 |
| Net loans and leases to deposits | 95.0293% | 1,094 |
| Net loans and leases to core deposits | 112.2985% | 745 |
| Total domestic deposits to total assets | 83.8390% | 3,492 |
| Equity capital to assets | 9.1827% | 5,134 |
| Core capital (leverage) ratio | 8.8886% | 5,132 |
| Tier 1 risk-based capital ratio | 11.1717% | 5,561 |
| Total risk-based capital ratio | 12.4220% | 5,458 |
| Memoranda: | ||
| Average total assets | $463,590,750 | 1,457 |
| Average earning assets | $442,689,750 | 1,406 |
| Average equity | $41,242,500 | 1,768 |
| Average total loans | $360,874,750 | 1,258 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7964% | 899 |
| Cost of funding earning assets | 0.5910% | 1,483 |
| Net interest margin | 4.2055% | 1,103 |
| Noninterest income to average assets | 0.3872% | 4,175 |
| Noninterest expense to average assets | 2.8613% | 3,023 |
| Loan and lease loss provision to assets | 0.1659% | 1,269 |
| Net operating income to assets | 0.8300% | 3,215 |
| Return on assets (ROA) | 0.8300% | 3,331 |
| Pretax return on assets | 1.3727% | 2,094 |
| Return on Equity (ROE) | 9.4320% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.4320% | 795 |
| Net charge-offs to loans | 0.0523% | 2,672 |
| Credit loss provision to net charge-offs | 412.9032% | 729 |
| Earnings coverage of net charge-offs (x) | 38.2903% | 1,161 |
| Efficiency ratio | 65.0300% | 4,186 |
| Assets per employee ($millions) | 7.8212% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2737% | 3,377 |
| Loan loss allowance to noncurrent loans | 68.3668% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 1.4425% | 1,728 |
| Noncurrent loans to loans | 1.8631% | 1,353 |
| Net loans and leases to total assets | 76.4379% | 1,306 |
| Net loans and leases to deposits | 90.8325% | 1,499 |
| Net loans and leases to core deposits | 105.4046% | 1,101 |
| Total domestic deposits to total assets | 84.1525% | 3,498 |
| Equity capital to assets | 8.7415% | 5,492 |
| Core capital (leverage) ratio | 8.8683% | 5,134 |
| Tier 1 risk-based capital ratio | 11.0608% | 5,682 |
| Total risk-based capital ratio | 12.3112% | 5,602 |
| Memoranda: | ||
| Average total assets | $462,868,330 | 1,467 |
| Average earning assets | $441,660,330 | 1,419 |
| Average equity | $40,733,670 | 1,794 |
| Average total loans | $355,878,330 | 1,279 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8248% | 818 |
| Cost of funding earning assets | 0.5815% | 1,568 |
| Net interest margin | 4.2433% | 989 |
| Noninterest income to average assets | 0.3818% | 4,150 |
| Noninterest expense to average assets | 2.8410% | 3,100 |
| Loan and lease loss provision to assets | 0.1826% | 1,045 |
| Net operating income to assets | 0.8347% | 3,086 |
| Return on assets (ROA) | 0.8347% | 3,214 |
| Pretax return on assets | 1.3806% | 1,958 |
| Return on Equity (ROE) | 9.4514% | 2,241 |
| Retained earnings to average equity (ytd only) | 9.4514% | 1,053 |
| Net charge-offs to loans | 0.0642% | 2,104 |
| Credit loss provision to net charge-offs | 371.4286% | 704 |
| Earnings coverage of net charge-offs (x) | 31.8036% | 1,117 |
| Efficiency ratio | 64.5078% | 4,396 |
| Assets per employee ($millions) | 7.1236% | 819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 3,611 |
| Loan loss allowance to noncurrent loans | 110.9572% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.9028% | 2,827 |
| Noncurrent loans to loans | 1.1394% | 2,494 |
| Net loans and leases to total assets | 78.2356% | 889 |
| Net loans and leases to deposits | 93.3024% | 1,058 |
| Net loans and leases to core deposits | 107.1255% | 867 |
| Total domestic deposits to total assets | 83.8516% | 3,869 |
| Equity capital to assets | 8.9417% | 5,360 |
| Core capital (leverage) ratio | 9.1798% | 4,746 |
| Tier 1 risk-based capital ratio | 11.0447% | 5,784 |
| Total risk-based capital ratio | 12.2945% | 5,710 |
| Memoranda: | ||
| Average total assets | $455,756,500 | 1,495 |
| Average earning assets | $432,020,500 | 1,453 |
| Average equity | $40,248,000 | 1,821 |
| Average total loans | $349,125,500 | 1,299 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7427% | 1,215 |
| Cost of funding earning assets | 0.5545% | 2,176 |
| Net interest margin | 4.1882% | 1,338 |
| Noninterest income to average assets | 0.3038% | 4,942 |
| Noninterest expense to average assets | 2.8398% | 3,341 |
| Loan and lease loss provision to assets | 0.6805% | 185 |
| Net operating income to assets | 0.4870% | 4,865 |
| Return on assets (ROA) | 0.4980% | 4,911 |
| Pretax return on assets | 0.8234% | 4,178 |
| Return on Equity (ROE) | 5.7037% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.9206% | 2,657 |
| Net charge-offs to loans | 0.6516% | 594 |
| Credit loss provision to net charge-offs | 139.5327% | 1,702 |
| Earnings coverage of net charge-offs (x) | 3.0486% | 3,991 |
| Efficiency ratio | 65.6342% | 4,315 |
| Assets per employee ($millions) | 7.2318% | 742 |
| Cash dividends to net income (ytd only)* | 13.7300% | 4,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3101% | 3,365 |
| Loan loss allowance to noncurrent loans | 88.7259% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.0922% | 2,564 |
| Noncurrent loans to loans | 1.4766% | 1,988 |
| Net loans and leases to total assets | 72.9989% | 1,756 |
| Net loans and leases to deposits | 87.4005% | 1,802 |
| Net loans and leases to core deposits | 99.6892% | 1,411 |
| Total domestic deposits to total assets | 83.5223% | 3,909 |
| Equity capital to assets | 8.7203% | 5,564 |
| Core capital (leverage) ratio | 9.2656% | 4,580 |
| Tier 1 risk-based capital ratio | 11.6280% | 5,590 |
| Total risk-based capital ratio | 12.8790% | 5,501 |
| Memoranda: | ||
| Average total assets | $438,765,400 | 1,515 |
| Average earning assets | $421,445,400 | 1,457 |
| Average equity | $38,308,400 | 1,844 |
| Average total loans | $328,434,200 | 1,334 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7673% | 1,165 |
| Cost of funding earning assets | 0.5541% | 2,250 |
| Net interest margin | 4.2132% | 1,248 |
| Noninterest income to average assets | 0.3001% | 5,052 |
| Noninterest expense to average assets | 2.8316% | 3,345 |
| Loan and lease loss provision to assets | 0.8686% | 136 |
| Net operating income to assets | 0.3967% | 5,258 |
| Return on assets (ROA) | 0.4114% | 5,283 |
| Pretax return on assets | 0.6802% | 4,762 |
| Return on Equity (ROE) | 4.7110% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.7110% | 3,275 |
| Net charge-offs to loans | 0.8099% | 411 |
| Credit loss provision to net charge-offs | 142.8355% | 1,653 |
| Earnings coverage of net charge-offs (x) | 2.5091% | 3,895 |
| Efficiency ratio | 64.9838% | 4,374 |
| Assets per employee ($millions) | 6.7104% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 3,324 |
| Loan loss allowance to noncurrent loans | 101.6099% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 2,904 |
| Noncurrent loans to loans | 1.3439% | 2,396 |
| Net loans and leases to total assets | 75.4869% | 1,284 |
| Net loans and leases to deposits | 91.6581% | 1,257 |
| Net loans and leases to core deposits | 104.3837% | 1,080 |
| Total domestic deposits to total assets | 82.3571% | 4,356 |
| Equity capital to assets | 9.2543% | 5,079 |
| Core capital (leverage) ratio | 9.1333% | 4,881 |
| Tier 1 risk-based capital ratio | 12.0597% | 5,448 |
| Total risk-based capital ratio | 13.3112% | 5,364 |
| Memoranda: | ||
| Average total assets | $434,555,750 | 1,540 |
| Average earning assets | $418,479,000 | 1,471 |
| Average equity | $37,953,000 | 1,866 |
| Average total loans | $326,292,500 | 1,346 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 1,264 |
| Cost of funding earning assets | 0.5463% | 2,380 |
| Net interest margin | 4.1628% | 1,340 |
| Noninterest income to average assets | 0.2951% | 5,052 |
| Noninterest expense to average assets | 2.8014% | 3,501 |
| Loan and lease loss provision to assets | 1.2087% | 78 |
| Net operating income to assets | 0.1843% | 5,882 |
| Return on assets (ROA) | 0.2062% | 5,879 |
| Pretax return on assets | 0.3407% | 5,695 |
| Return on Equity (ROE) | 2.4066% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.4066% | 4,675 |
| Net charge-offs to loans | 0.2799% | 1,422 |
| Credit loss provision to net charge-offs | 578.6026% | 523 |
| Earnings coverage of net charge-offs (x) | 7.2533% | 2,658 |
| Efficiency ratio | 64.8986% | 4,554 |
| Assets per employee ($millions) | 6.9278% | 826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7338% | 2,025 |
| Loan loss allowance to noncurrent loans | 104.2526% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.2865% | 2,544 |
| Noncurrent loans to loans | 1.6631% | 2,082 |
| Net loans and leases to total assets | 76.0187% | 1,161 |
| Net loans and leases to deposits | 91.7033% | 1,190 |
| Net loans and leases to core deposits | 106.7516% | 854 |
| Total domestic deposits to total assets | 82.8964% | 4,346 |
| Equity capital to assets | 8.8982% | 5,414 |
| Core capital (leverage) ratio | 8.9510% | 5,091 |
| Tier 1 risk-based capital ratio | 11.4969% | 5,801 |
| Total risk-based capital ratio | 12.7532% | 5,754 |
| Memoranda: | ||
| Average total assets | $438,489,670 | 1,529 |
| Average earning assets | $423,605,000 | 1,461 |
| Average equity | $37,563,000 | 1,875 |
| Average total loans | $327,209,330 | 1,334 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 1,292 |
| Cost of funding earning assets | 0.5347% | 2,554 |
| Net interest margin | 4.1509% | 1,339 |
| Noninterest income to average assets | 0.2528% | 5,345 |
| Noninterest expense to average assets | 2.8227% | 3,479 |
| Loan and lease loss provision to assets | 2.1220% | 35 |
| Net operating income to assets | -0.4094% | 6,436 |
| Return on assets (ROA) | -0.3892% | 6,430 |
| Pretax return on assets | -0.6438% | 6,494 |
| Return on Equity (ROE) | -4.6301% | 6,456 |
| Retained earnings to average equity (ytd only) | -4.6301% | 6,098 |
| Net charge-offs to loans | 0.1848% | 1,616 |
| Credit loss provision to net charge-offs | 1,566.6667% | 207 |
| Earnings coverage of net charge-offs (x) | 10.6800% | 1,842 |
| Efficiency ratio | 66.1168% | 4,511 |
| Assets per employee ($millions) | 6.4663% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 2,158 |
| Loan loss allowance to noncurrent loans | 102.5600% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.2983% | 2,697 |
| Noncurrent loans to loans | 1.7153% | 2,259 |
| Net loans and leases to total assets | 74.3609% | 1,219 |
| Net loans and leases to deposits | 89.2416% | 1,228 |
| Net loans and leases to core deposits | 103.4121% | 894 |
| Total domestic deposits to total assets | 83.3253% | 4,492 |
| Equity capital to assets | 8.5838% | 5,567 |
| Core capital (leverage) ratio | 8.6405% | 5,474 |
| Tier 1 risk-based capital ratio | 11.3209% | 6,011 |
| Total risk-based capital ratio | 12.5772% | 5,956 |
| Memoranda: | ||
| Average total assets | $442,973,000 | 1,513 |
| Average earning assets | $428,627,500 | 1,449 |
| Average equity | $37,234,500 | 1,884 |
| Average total loans | $324,674,500 | 1,342 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 2,800 |
| Cost of funding earning assets | 0.5390% | 3,205 |
| Net interest margin | 3.8039% | 2,642 |
| Noninterest income to average assets | 0.4900% | 3,818 |
| Noninterest expense to average assets | 2.7595% | 3,875 |
| Loan and lease loss provision to assets | 0.1827% | 2,017 |
| Net operating income to assets | 0.7492% | 3,555 |
| Return on assets (ROA) | 0.7682% | 3,548 |
| Pretax return on assets | 1.2706% | 2,267 |
| Return on Equity (ROE) | 9.3564% | 2,390 |
| Retained earnings to average equity (ytd only) | 9.3564% | 694 |
| Net charge-offs to loans | 0.2559% | 2,435 |
| Credit loss provision to net charge-offs | 102.7704% | 2,353 |
| Earnings coverage of net charge-offs (x) | 8.0079% | 2,747 |
| Efficiency ratio | 65.9658% | 4,565 |
| Assets per employee ($millions) | 6.6574% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,100 |
| Loan loss allowance to noncurrent loans | 127.5554% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.6952% | 4,168 |
| Noncurrent loans to loans | 0.8705% | 3,803 |
| Net loans and leases to total assets | 70.2111% | 1,980 |
| Net loans and leases to deposits | 85.3705% | 1,763 |
| Net loans and leases to core deposits | 100.9073% | 1,093 |
| Total domestic deposits to total assets | 82.2428% | 4,789 |
| Equity capital to assets | 8.2350% | 5,836 |
| Core capital (leverage) ratio | 8.5950% | 5,550 |
| Tier 1 risk-based capital ratio | 11.2990% | 6,025 |
| Total risk-based capital ratio | 12.3930% | 6,053 |
| Memoranda: | ||
| Average total assets | $426,342,600 | 1,551 |
| Average earning assets | $413,947,800 | 1,469 |
| Average equity | $35,002,600 | 1,973 |
| Average total loans | $296,187,000 | 1,422 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 2,866 |
| Cost of funding earning assets | 0.5363% | 3,404 |
| Net interest margin | 3.7949% | 2,656 |
| Noninterest income to average assets | 0.4574% | 4,102 |
| Noninterest expense to average assets | 2.7676% | 3,770 |
| Loan and lease loss provision to assets | 0.1382% | 2,564 |
| Net operating income to assets | 0.7467% | 3,617 |
| Return on assets (ROA) | 0.7769% | 3,604 |
| Pretax return on assets | 1.2849% | 2,389 |
| Return on Equity (ROE) | 9.4712% | 2,407 |
| Retained earnings to average equity (ytd only) | 9.4712% | 913 |
| Net charge-offs to loans | 0.3187% | 1,947 |
| Credit loss provision to net charge-offs | 62.7706% | 3,231 |
| Earnings coverage of net charge-offs (x) | 6.2496% | 3,008 |
| Efficiency ratio | 66.7970% | 4,340 |
| Assets per employee ($millions) | 6.9759% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 5,336 |
| Loan loss allowance to noncurrent loans | 51.3741% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 1.4807% | 2,711 |
| Noncurrent loans to loans | 2.1376% | 2,089 |
| Net loans and leases to total assets | 68.5073% | 2,225 |
| Net loans and leases to deposits | 83.7709% | 1,906 |
| Net loans and leases to core deposits | 99.0129% | 1,172 |
| Total domestic deposits to total assets | 81.7794% | 5,000 |
| Equity capital to assets | 8.2284% | 5,980 |
| Core capital (leverage) ratio | 8.5015% | 5,770 |
| Tier 1 risk-based capital ratio | 11.8501% | 5,877 |
| Total risk-based capital ratio | 12.9502% | 5,908 |
| Memoranda: | ||
| Average total assets | $419,752,750 | 1,581 |
| Average earning assets | $407,693,750 | 1,497 |
| Average equity | $34,433,250 | 2,014 |
| Average total loans | $289,879,750 | 1,465 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,835 |
| Cost of funding earning assets | 0.5220% | 3,686 |
| Net interest margin | 3.8061% | 2,535 |
| Noninterest income to average assets | 0.5227% | 3,685 |
| Noninterest expense to average assets | 2.8168% | 3,618 |
| Loan and lease loss provision to assets | 0.1690% | 2,225 |
| Net operating income to assets | 0.7449% | 3,594 |
| Return on assets (ROA) | 0.7908% | 3,503 |
| Pretax return on assets | 1.3078% | 2,272 |
| Return on Equity (ROE) | 9.6510% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.6510% | 927 |
| Net charge-offs to loans | 0.4898% | 1,336 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | 4.1581% | 3,204 |
| Efficiency ratio | 66.7199% | 4,409 |
| Assets per employee ($millions) | 7.3230% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 5,451 |
| Loan loss allowance to noncurrent loans | 97.1437% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 4,286 |
| Noncurrent loans to loans | 1.1306% | 3,671 |
| Net loans and leases to total assets | 67.7805% | 2,293 |
| Net loans and leases to deposits | 81.9827% | 2,062 |
| Net loans and leases to core deposits | 96.1293% | 1,344 |
| Total domestic deposits to total assets | 82.6765% | 4,821 |
| Equity capital to assets | 8.2406% | 6,027 |
| Core capital (leverage) ratio | 8.5276% | 5,636 |
| Tier 1 risk-based capital ratio | 11.6962% | 5,999 |
| Total risk-based capital ratio | 12.7799% | 6,062 |
| Memoranda: | ||
| Average total assets | $415,502,330 | 1,600 |
| Average earning assets | $403,828,330 | 1,506 |
| Average equity | $34,048,330 | 2,043 |
| Average total loans | $286,644,000 | 1,475 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2671% | 3,032 |
| Cost of funding earning assets | 0.4997% | 4,093 |
| Net interest margin | 3.7674% | 2,581 |
| Noninterest income to average assets | 0.5520% | 3,426 |
| Noninterest expense to average assets | 2.8066% | 3,672 |
| Loan and lease loss provision to assets | 0.1889% | 1,945 |
| Net operating income to assets | 0.7418% | 3,466 |
| Return on assets (ROA) | 0.7418% | 3,603 |
| Pretax return on assets | 1.2266% | 2,482 |
| Return on Equity (ROE) | 9.0790% | 2,452 |
| Retained earnings to average equity (ytd only) | 9.0790% | 1,357 |
| Net charge-offs to loans | 0.9971% | 611 |
| Credit loss provision to net charge-offs | 27.3625% | 2,927 |
| Earnings coverage of net charge-offs (x) | 2.0508% | 3,148 |
| Efficiency ratio | 66.4745% | 4,583 |
| Assets per employee ($millions) | 7.3241% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 5,748 |
| Loan loss allowance to noncurrent loans | 727.5779% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 6,291 |
| Noncurrent loans to loans | 0.1457% | 6,035 |
| Net loans and leases to total assets | 67.8286% | 2,046 |
| Net loans and leases to deposits | 82.6613% | 1,747 |
| Net loans and leases to core deposits | 97.8226% | 1,088 |
| Total domestic deposits to total assets | 82.0560% | 5,173 |
| Equity capital to assets | 8.1181% | 6,321 |
| Core capital (leverage) ratio | 8.3577% | 5,754 |
| Tier 1 risk-based capital ratio | 11.3559% | 6,255 |
| Total risk-based capital ratio | 12.4110% | 6,316 |
| Memoranda: | ||
| Average total assets | $410,885,500 | 1,633 |
| Average earning assets | $400,276,000 | 1,527 |
| Average equity | $33,572,000 | 2,106 |
| Average total loans | $284,423,500 | 1,488 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3569% | 4,001 |
| Cost of funding earning assets | 0.5872% | 4,469 |
| Net interest margin | 3.7698% | 3,360 |
| Noninterest income to average assets | 0.4382% | 4,332 |
| Noninterest expense to average assets | 2.9717% | 3,379 |
| Loan and lease loss provision to assets | 0.4901% | 1,232 |
| Net operating income to assets | 0.3482% | 5,300 |
| Return on assets (ROA) | 0.3767% | 5,423 |
| Pretax return on assets | 0.6374% | 4,860 |
| Return on Equity (ROE) | 3.9552% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.9552% | 3,418 |
| Net charge-offs to loans | -0.0076% | 6,429 |
| Credit loss provision to net charge-offs | -9,294.4444% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2914% | 3,191 |
| Assets per employee ($millions) | 7.9274% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2553% | 4,846 |
| Loan loss allowance to noncurrent loans | 188.1230% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4665% | 5,309 |
| Noncurrent loans to loans | 0.6673% | 4,864 |
| Net loans and leases to total assets | 69.0330% | 2,028 |
| Net loans and leases to deposits | 83.9556% | 1,760 |
| Net loans and leases to core deposits | 99.2239% | 1,068 |
| Total domestic deposits to total assets | 82.2256% | 5,024 |
| Equity capital to assets | 8.2249% | 6,263 |
| Core capital (leverage) ratio | 8.4706% | 5,659 |
| Tier 1 risk-based capital ratio | 11.2430% | 6,249 |
| Total risk-based capital ratio | 12.4817% | 6,221 |
| Memoranda: | ||
| Average total assets | $341,387,400 | 1,896 |
| Average earning assets | $327,501,800 | 1,811 |
| Average equity | $32,514,000 | 2,125 |
| Average total loans | $236,962,600 | 1,731 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 4,250 |
| Cost of funding earning assets | 0.6170% | 4,479 |
| Net interest margin | 3.7339% | 3,641 |
| Noninterest income to average assets | 0.4233% | 4,456 |
| Noninterest expense to average assets | 2.9887% | 3,267 |
| Loan and lease loss provision to assets | 0.3640% | 1,790 |
| Net operating income to assets | 0.3841% | 5,314 |
| Return on assets (ROA) | 0.4156% | 5,415 |
| Pretax return on assets | 0.6874% | 4,904 |
| Return on Equity (ROE) | 4.1860% | 5,208 |
| Retained earnings to average equity (ytd only) | 4.1860% | 3,950 |
| Net charge-offs to loans | -0.0077% | 6,317 |
| Credit loss provision to net charge-offs | -6,838.4615% | 6,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8872% | 2,842 |
| Assets per employee ($millions) | 6.9344% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 6,023 |
| Loan loss allowance to noncurrent loans | 129.5305% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 0.6023% | 5,171 |
| Noncurrent loans to loans | 0.7836% | 4,841 |
| Net loans and leases to total assets | 76.0830% | 965 |
| Net loans and leases to deposits | 95.2126% | 710 |
| Net loans and leases to core deposits | 110.3900% | 552 |
| Total domestic deposits to total assets | 79.9085% | 5,676 |
| Equity capital to assets | 9.3408% | 5,418 |
| Core capital (leverage) ratio | 9.5392% | 4,206 |
| Tier 1 risk-based capital ratio | 11.9934% | 5,936 |
| Total risk-based capital ratio | 13.0322% | 6,049 |
| Memoranda: | ||
| Average total assets | $325,660,500 | 1,996 |
| Average earning assets | $311,161,500 | 1,917 |
| Average equity | $32,329,250 | 2,147 |
| Average total loans | $225,542,000 | 1,818 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1993% | 4,958 |
| Cost of funding earning assets | 0.6681% | 4,291 |
| Net interest margin | 3.5312% | 4,550 |
| Noninterest income to average assets | 0.4046% | 4,615 |
| Noninterest expense to average assets | 2.8590% | 3,782 |
| Loan and lease loss provision to assets | 0.3123% | 2,113 |
| Net operating income to assets | 0.3534% | 5,412 |
| Return on assets (ROA) | 0.3534% | 5,636 |
| Pretax return on assets | 0.5848% | 5,192 |
| Return on Equity (ROE) | 3.4835% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.4835% | 4,271 |
| Net charge-offs to loans | -0.0086% | 6,250 |
| Credit loss provision to net charge-offs | -5,488.8889% | 6,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1151% | 2,724 |
| Assets per employee ($millions) | 6.2748% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9660% | 6,278 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 5,709 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 72.7212% | 1,440 |
| Net loans and leases to deposits | 93.9606% | 776 |
| Net loans and leases to core deposits | 109.4559% | 593 |
| Total domestic deposits to total assets | 77.3955% | 6,265 |
| Equity capital to assets | 9.7572% | 4,690 |
| Core capital (leverage) ratio | 10.0827% | 3,299 |
| Tier 1 risk-based capital ratio | 13.0489% | 5,153 |
| Total risk-based capital ratio | 14.0357% | 5,323 |
| Memoranda: | ||
| Average total assets | $316,330,000 | 2,050 |
| Average earning assets | $300,240,000 | 1,978 |
| Average equity | $32,094,330 | 2,147 |
| Average total loans | $210,113,330 | 1,943 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0347% | 5,653 |
| Cost of funding earning assets | 0.7123% | 4,179 |
| Net interest margin | 3.3224% | 5,397 |
| Noninterest income to average assets | 0.4724% | 4,123 |
| Noninterest expense to average assets | 2.7981% | 4,036 |
| Loan and lease loss provision to assets | 0.2310% | 2,637 |
| Net operating income to assets | 0.3608% | 5,425 |
| Return on assets (ROA) | 0.3608% | 5,609 |
| Pretax return on assets | 0.5970% | 5,130 |
| Return on Equity (ROE) | 3.4840% | 5,517 |
| Retained earnings to average equity (ytd only) | 3.4840% | 4,488 |
| Net charge-offs to loans | -0.0083% | 5,897 |
| Credit loss provision to net charge-offs | -4,450.0000% | 6,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1654% | 2,624 |
| Assets per employee ($millions) | 6.3329% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0106% | 6,200 |
| Loan loss allowance to noncurrent loans | 2,291.0112% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.5097% | 5,585 |
| Noncurrent loans to loans | 0.0441% | 6,640 |
| Net loans and leases to total assets | 63.0755% | 3,026 |
| Net loans and leases to deposits | 80.8910% | 2,075 |
| Net loans and leases to core deposits | 90.6398% | 1,786 |
| Total domestic deposits to total assets | 77.9758% | 6,262 |
| Equity capital to assets | 10.1180% | 3,966 |
| Core capital (leverage) ratio | 10.2339% | 3,070 |
| Tier 1 risk-based capital ratio | 15.2182% | 3,610 |
| Total risk-based capital ratio | 16.2254% | 3,734 |
| Memoranda: | ||
| Average total assets | $308,212,000 | 2,111 |
| Average earning assets | $292,563,000 | 2,043 |
| Average equity | $31,917,000 | 2,157 |
| Average total loans | $193,067,500 | 2,098 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 6,239 |
| Cost of funding earning assets | 0.9625% | 3,622 |
| Net interest margin | 3.1599% | 6,192 |
| Noninterest income to average assets | 0.2546% | 5,708 |
| Noninterest expense to average assets | 2.9128% | 3,905 |
| Loan and lease loss provision to assets | 0.1467% | 4,779 |
| Net operating income to assets | 0.1196% | 5,821 |
| Return on assets (ROA) | 0.2169% | 5,677 |
| Pretax return on assets | 0.3586% | 5,407 |
| Return on Equity (ROE) | 2.2142% | 5,579 |
| Retained earnings to average equity (ytd only) | 2.2142% | 4,639 |
| Net charge-offs to loans | 0.2032% | 4,524 |
| Credit loss provision to net charge-offs | 110.0865% | 3,042 |
| Earnings coverage of net charge-offs (x) | 2.6513% | 3,886 |
| Efficiency ratio | 89.1841% | 1,253 |
| Assets per employee ($millions) | 6.2454% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 6,191 |
| Loan loss allowance to noncurrent loans | 519.8880% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.6278% | 5,399 |
| Noncurrent loans to loans | 0.1936% | 6,360 |
| Net loans and leases to total assets | 60.8831% | 3,811 |
| Net loans and leases to deposits | 78.4580% | 2,765 |
| Net loans and leases to core deposits | 88.2338% | 2,349 |
| Total domestic deposits to total assets | 77.5996% | 6,259 |
| Equity capital to assets | 10.6064% | 3,410 |
| Core capital (leverage) ratio | 11.3694% | 1,988 |
| Tier 1 risk-based capital ratio | 16.1903% | 2,960 |
| Total risk-based capital ratio | 17.1837% | 3,041 |
| Memoranda: | ||
| Average total assets | $260,437,400 | 2,425 |
| Average earning assets | $248,206,400 | 2,320 |
| Average equity | $25,517,400 | 2,521 |
| Average total loans | $170,760,800 | 2,365 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 6,152 |
| Cost of funding earning assets | 1.0205% | 3,528 |
| Net interest margin | 3.2026% | 6,155 |
| Noninterest income to average assets | 0.3836% | 4,781 |
| Noninterest expense to average assets | 2.8975% | 3,941 |
| Loan and lease loss provision to assets | 0.1447% | 4,635 |
| Net operating income to assets | 0.2369% | 5,598 |
| Return on assets (ROA) | 0.2836% | 5,622 |
| Pretax return on assets | 0.4682% | 5,265 |
| Return on Equity (ROE) | 2.9675% | 5,435 |
| Retained earnings to average equity (ytd only) | 2.9675% | 4,576 |
| Net charge-offs to loans | 0.2095% | 4,122 |
| Credit loss provision to net charge-offs | 103.4221% | 3,225 |
| Earnings coverage of net charge-offs (x) | 3.8593% | 3,271 |
| Efficiency ratio | 84.2904% | 1,707 |
| Assets per employee ($millions) | 6.1121% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 5,976 |
| Loan loss allowance to noncurrent loans | 406.8889% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.7872% | 5,200 |
| Noncurrent loans to loans | 0.2640% | 6,345 |
| Net loans and leases to total assets | 62.6961% | 3,570 |
| Net loans and leases to deposits | 80.5571% | 2,584 |
| Net loans and leases to core deposits | 92.1155% | 1,984 |
| Total domestic deposits to total assets | 77.8282% | 6,220 |
| Equity capital to assets | 9.1175% | 5,619 |
| Core capital (leverage) ratio | 9.4312% | 4,252 |
| Tier 1 risk-based capital ratio | 13.4597% | 4,768 |
| Total risk-based capital ratio | 14.5307% | 4,867 |
| Memoranda: | ||
| Average total assets | $250,601,500 | 2,523 |
| Average earning assets | $238,963,000 | 2,417 |
| Average equity | $23,947,750 | 2,677 |
| Average total loans | $167,358,000 | 2,415 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 6,017 |
| Cost of funding earning assets | 1.0601% | 3,541 |
| Net interest margin | 3.2420% | 6,020 |
| Noninterest income to average assets | 0.3158% | 5,368 |
| Noninterest expense to average assets | 2.8623% | 4,175 |
| Loan and lease loss provision to assets | 0.0933% | 5,162 |
| Net operating income to assets | 0.2728% | 5,473 |
| Return on assets (ROA) | 0.3084% | 5,475 |
| Pretax return on assets | 0.5104% | 5,030 |
| Return on Equity (ROE) | 3.1738% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.1738% | 4,252 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9290% | 1,819 |
| Assets per employee ($millions) | 5.7403% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 5,650 |
| Loan loss allowance to noncurrent loans | 100.1551% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.8022% | 5,283 |
| Noncurrent loans to loans | 1.1732% | 4,693 |
| Net loans and leases to total assets | 67.5738% | 2,696 |
| Net loans and leases to deposits | 83.0123% | 2,272 |
| Net loans and leases to core deposits | 95.5345% | 1,731 |
| Total domestic deposits to total assets | 81.4021% | 5,388 |
| Equity capital to assets | 10.0252% | 4,114 |
| Core capital (leverage) ratio | 9.7440% | 3,610 |
| Tier 1 risk-based capital ratio | 13.9899% | 4,182 |
| Total risk-based capital ratio | 15.1740% | 4,196 |
| Memoranda: | ||
| Average total assets | $244,491,330 | 2,607 |
| Average earning assets | $233,372,670 | 2,499 |
| Average equity | $23,757,000 | 2,676 |
| Average total loans | $166,330,330 | 2,451 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2653% | 6,108 |
| Cost of funding earning assets | 1.0651% | 3,745 |
| Net interest margin | 3.2003% | 6,065 |
| Noninterest income to average assets | 0.2323% | 6,054 |
| Noninterest expense to average assets | 2.8043% | 4,419 |
| Loan and lease loss provision to assets | -0.0211% | 7,454 |
| Net operating income to assets | 0.3055% | 5,380 |
| Return on assets (ROA) | 0.3055% | 5,450 |
| Pretax return on assets | 0.5053% | 5,011 |
| Return on Equity (ROE) | 3.1931% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.1931% | 4,259 |
| Net charge-offs to loans | 0.0072% | 5,018 |
| Credit loss provision to net charge-offs | -433.3333% | 5,936 |
| Earnings coverage of net charge-offs (x) | 99.3333% | 322 |
| Efficiency ratio | 85.2767% | 1,802 |
| Assets per employee ($millions) | 6.2816% | 1,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 6,043 |
| Loan loss allowance to noncurrent loans | 93.4333% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7697% | 5,374 |
| Noncurrent loans to loans | 1.1778% | 4,720 |
| Net loans and leases to total assets | 64.6317% | 3,327 |
| Net loans and leases to deposits | 78.9283% | 2,907 |
| Net loans and leases to core deposits | 92.0038% | 2,131 |
| Total domestic deposits to total assets | 81.8866% | 5,353 |
| Equity capital to assets | 9.4220% | 4,535 |
| Core capital (leverage) ratio | 9.6111% | 3,649 |
| Tier 1 risk-based capital ratio | 13.8688% | 4,159 |
| Total risk-based capital ratio | 14.9661% | 4,240 |
| Memoranda: | ||
| Average total assets | $246,191,000 | 2,595 |
| Average earning assets | $235,105,000 | 2,493 |
| Average equity | $23,550,500 | 2,685 |
| Average total loans | $167,069,500 | 2,470 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6737% | 5,883 |
| Cost of funding earning assets | 1.1657% | 4,764 |
| Net interest margin | 3.5081% | 5,218 |
| Noninterest income to average assets | 0.4479% | 4,530 |
| Noninterest expense to average assets | 3.1479% | 3,281 |
| Loan and lease loss provision to assets | 0.2137% | 5,117 |
| Net operating income to assets | 0.4510% | 4,312 |
| Return on assets (ROA) | 0.4980% | 4,262 |
| Pretax return on assets | 0.4962% | 4,631 |
| Return on Equity (ROE) | 4.9123% | 4,105 |
| Retained earnings to average equity (ytd only) | 4.9123% | 2,467 |
| Net charge-offs to loans | 0.0709% | 6,094 |
| Credit loss provision to net charge-offs | 411.9658% | 588 |
| Earnings coverage of net charge-offs (x) | 12.7778% | 1,470 |
| Efficiency ratio | 82.6041% | 2,092 |
| Assets per employee ($millions) | 6.1826% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 6,063 |
| Loan loss allowance to noncurrent loans | 94.2089% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 5,406 |
| Noncurrent loans to loans | 1.1381% | 4,838 |
| Net loans and leases to total assets | 69.7225% | 2,591 |
| Net loans and leases to deposits | 85.2618% | 2,229 |
| Net loans and leases to core deposits | 100.5178% | 1,574 |
| Total domestic deposits to total assets | 81.7746% | 5,250 |
| Equity capital to assets | 9.7159% | 4,103 |
| Core capital (leverage) ratio | 9.9032% | 3,203 |
| Tier 1 risk-based capital ratio | 13.5726% | 4,150 |
| Total risk-based capital ratio | 14.6637% | 4,242 |
| Memoranda: | ||
| Average total assets | $225,517,400 | 2,806 |
| Average earning assets | $216,186,200 | 2,672 |
| Average equity | $22,861,000 | 2,784 |
| Average total loans | $165,074,200 | 2,546 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6900% | 6,062 |
| Cost of funding earning assets | 1.1833% | 4,964 |
| Net interest margin | 3.5067% | 5,266 |
| Noninterest income to average assets | 0.4290% | 4,729 |
| Noninterest expense to average assets | 3.1110% | 3,291 |
| Loan and lease loss provision to assets | 0.1251% | 5,777 |
| Net operating income to assets | 0.3766% | 4,858 |
| Return on assets (ROA) | 0.3995% | 4,929 |
| Pretax return on assets | 0.5872% | 4,640 |
| Return on Equity (ROE) | 3.8967% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.8967% | 3,725 |
| Net charge-offs to loans | -0.0138% | 7,304 |
| Credit loss provision to net charge-offs | -1,223.5294% | 7,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0924% | 2,051 |
| Assets per employee ($millions) | 5.8681% | 1,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9766% | 6,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 76.4855% | 1,316 |
| Net loans and leases to deposits | 95.5613% | 1,039 |
| Net loans and leases to core deposits | 109.2295% | 1,080 |
| Total domestic deposits to total assets | 80.0382% | 5,697 |
| Equity capital to assets | 10.4424% | 3,581 |
| Core capital (leverage) ratio | 10.3442% | 2,863 |
| Tier 1 risk-based capital ratio | 13.8168% | 3,965 |
| Total risk-based capital ratio | 14.8670% | 4,056 |
| Memoranda: | ||
| Average total assets | $221,616,750 | 2,889 |
| Average earning assets | $212,390,750 | 2,763 |
| Average equity | $22,719,500 | 2,842 |
| Average total loans | $163,858,500 | 2,604 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5999% | 6,464 |
| Cost of funding earning assets | 1.2037% | 5,113 |
| Net interest margin | 3.3962% | 5,657 |
| Noninterest income to average assets | 0.3147% | 5,641 |
| Noninterest expense to average assets | 3.0955% | 3,346 |
| Loan and lease loss provision to assets | 0.1221% | 5,679 |
| Net operating income to assets | 0.2395% | 5,409 |
| Return on assets (ROA) | 0.2749% | 5,430 |
| Pretax return on assets | 0.3934% | 5,250 |
| Return on Equity (ROE) | 2.6985% | 5,368 |
| Retained earnings to average equity (ytd only) | 2.6985% | 4,420 |
| Net charge-offs to loans | -0.0174% | 7,266 |
| Credit loss provision to net charge-offs | -964.2857% | 6,901 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9444% | 1,607 |
| Assets per employee ($millions) | 5.9064% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9649% | 6,549 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 75.4276% | 1,607 |
| Net loans and leases to deposits | 94.6752% | 1,190 |
| Net loans and leases to core deposits | 109.4578% | 1,199 |
| Total domestic deposits to total assets | 79.6699% | 5,831 |
| Equity capital to assets | 10.4764% | 3,440 |
| Core capital (leverage) ratio | 10.2945% | 2,831 |
| Tier 1 risk-based capital ratio | 13.8340% | 3,846 |
| Total risk-based capital ratio | 14.8540% | 3,962 |
| Memoranda: | ||
| Average total assets | $221,160,330 | 2,923 |
| Average earning assets | $211,353,330 | 2,800 |
| Average equity | $22,531,000 | 2,855 |
| Average total loans | $161,066,670 | 2,683 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5157% | 6,756 |
| Cost of funding earning assets | 1.2319% | 5,224 |
| Net interest margin | 3.2838% | 6,036 |
| Noninterest income to average assets | 0.2859% | 5,855 |
| Noninterest expense to average assets | 3.0835% | 3,331 |
| Loan and lease loss provision to assets | 0.1888% | 4,610 |
| Net operating income to assets | 0.1133% | 5,988 |
| Return on assets (ROA) | 0.1133% | 6,097 |
| Pretax return on assets | 0.1528% | 6,013 |
| Return on Equity (ROE) | 1.1276% | 6,088 |
| Retained earnings to average equity (ytd only) | 1.1276% | 5,368 |
| Net charge-offs to loans | -0.0303% | 7,200 |
| Credit loss provision to net charge-offs | -875.0000% | 6,366 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0262% | 1,436 |
| Assets per employee ($millions) | 5.6495% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9854% | 6,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 69.9861% | 2,945 |
| Net loans and leases to deposits | 87.6802% | 2,284 |
| Net loans and leases to core deposits | 101.6616% | 1,955 |
| Total domestic deposits to total assets | 79.8198% | 5,847 |
| Equity capital to assets | 9.9173% | 3,964 |
| Core capital (leverage) ratio | 9.9422% | 3,238 |
| Tier 1 risk-based capital ratio | 14.2166% | 3,525 |
| Total risk-based capital ratio | 15.2420% | 3,625 |
| Memoranda: | ||
| Average total assets | $222,471,500 | 2,957 |
| Average earning assets | $212,680,500 | 2,844 |
| Average equity | $22,349,000 | 2,899 |
| Average total loans | $158,378,000 | 2,775 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 7,122 |
| Cost of funding earning assets | 1.3676% | 6,065 |
| Net interest margin | 3.3441% | 5,571 |
| Noninterest income to average assets | 0.2169% | 6,560 |
| Noninterest expense to average assets | 3.1684% | 3,483 |
| Loan and lease loss provision to assets | 0.2154% | 5,629 |
| Net operating income to assets | 0.0351% | 5,375 |
| Return on assets (ROA) | 0.1254% | 5,187 |
| Pretax return on assets | 0.1475% | 5,114 |
| Return on Equity (ROE) | 1.1452% | 5,191 |
| Retained earnings to average equity (ytd only) | 1.1452% | 4,247 |
| Net charge-offs to loans | 0.1887% | 5,472 |
| Credit loss provision to net charge-offs | 156.4286% | 2,888 |
| Earnings coverage of net charge-offs (x) | 1.8643% | 4,322 |
| Efficiency ratio | 92.5054% | 1,526 |
| Assets per employee ($millions) | 5.3406% | 1,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 6,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 71.0487% | 2,987 |
| Net loans and leases to deposits | 89.2266% | 2,348 |
| Net loans and leases to core deposits | 116.0952% | 2,310 |
| Total domestic deposits to total assets | 79.6272% | 5,803 |
| Equity capital to assets | 10.1784% | 3,534 |
| Core capital (leverage) ratio | 10.3256% | 2,767 |
| Tier 1 risk-based capital ratio | 14.5611% | 3,167 |
| Total risk-based capital ratio | 15.5407% | 3,272 |
| Memoranda: | ||
| Average total assets | $203,354,200 | 3,143 |
| Average earning assets | $195,088,800 | 3,033 |
| Average equity | $22,266,800 | 2,916 |
| Average total loans | $148,396,000 | 2,946 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7077% | 7,272 |
| Cost of funding earning assets | 1.3882% | 6,281 |
| Net interest margin | 3.3195% | 5,566 |
| Noninterest income to average assets | 0.1725% | 6,981 |
| Noninterest expense to average assets | 3.1532% | 3,450 |
| Loan and lease loss provision to assets | 0.2440% | 5,010 |
| Net operating income to assets | -0.0341% | 5,770 |
| Return on assets (ROA) | 0.0401% | 5,666 |
| Pretax return on assets | 0.0401% | 5,629 |
| Return on Equity (ROE) | 0.3594% | 5,669 |
| Retained earnings to average equity (ytd only) | 0.3594% | 5,048 |
| Net charge-offs to loans | 0.0647% | 6,047 |
| Credit loss provision to net charge-offs | 514.0845% | 764 |
| Earnings coverage of net charge-offs (x) | 4.4228% | 3,139 |
| Efficiency ratio | 93.7587% | 1,417 |
| Assets per employee ($millions) | 5.7264% | 1,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 5,886 |
| Loan loss allowance to noncurrent loans | 734.1014% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 6,857 |
| Noncurrent loans to loans | 0.1461% | 7,112 |
| Net loans and leases to total assets | 69.3733% | 3,638 |
| Net loans and leases to deposits | 87.5479% | 3,049 |
| Net loans and leases to core deposits | 111.8360% | 3,039 |
| Total domestic deposits to total assets | 79.2403% | 5,717 |
| Equity capital to assets | 10.5311% | 3,479 |
| Core capital (leverage) ratio | 10.4424% | 2,836 |
| Tier 1 risk-based capital ratio | 15.1386% | 2,984 |
| Total risk-based capital ratio | 16.2643% | 2,972 |
| Memoranda: | ||
| Average total assets | $199,451,750 | 3,210 |
| Average earning assets | $191,710,250 | 3,093 |
| Average equity | $22,261,750 | 2,939 |
| Average total loans | $146,238,000 | 3,014 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7923% | 7,241 |
| Cost of funding earning assets | 1.4297% | 6,380 |
| Net interest margin | 3.3626% | 5,305 |
| Noninterest income to average assets | 0.2120% | 6,786 |
| Noninterest expense to average assets | 3.2205% | 3,270 |
| Loan and lease loss provision to assets | 0.2099% | 4,946 |
| Net operating income to assets | 0.0113% | 5,804 |
| Return on assets (ROA) | -0.0143% | 5,944 |
| Pretax return on assets | -0.0143% | 5,882 |
| Return on Equity (ROE) | -0.1259% | 5,947 |
| Retained earnings to average equity (ytd only) | -0.1259% | 5,250 |
| Net charge-offs to loans | 0.1017% | 5,145 |
| Credit loss provision to net charge-offs | 277.0270% | 1,689 |
| Earnings coverage of net charge-offs (x) | 2.9189% | 3,644 |
| Efficiency ratio | 93.5733% | 1,528 |
| Assets per employee ($millions) | 5.4861% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9377% | 6,609 |
| Loan loss allowance to noncurrent loans | 651.3636% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 6,722 |
| Noncurrent loans to loans | 0.1440% | 7,156 |
| Net loans and leases to total assets | 74.5780% | 2,548 |
| Net loans and leases to deposits | 95.7932% | 1,829 |
| Net loans and leases to core deposits | 126.4919% | 1,821 |
| Total domestic deposits to total assets | 77.8532% | 6,119 |
| Equity capital to assets | 10.9673% | 2,950 |
| Core capital (leverage) ratio | 11.0565% | 2,362 |
| Tier 1 risk-based capital ratio | 14.8564% | 3,085 |
| Total risk-based capital ratio | 15.8554% | 3,130 |
| Memoranda: | ||
| Average total assets | $195,310,000 | 3,274 |
| Average earning assets | $187,593,670 | 3,173 |
| Average equity | $22,244,670 | 2,944 |
| Average total loans | $145,457,670 | 3,060 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 6,983 |
| Cost of funding earning assets | 1.5261% | 6,323 |
| Net interest margin | 3.4534% | 4,930 |
| Noninterest income to average assets | 0.1943% | 6,908 |
| Noninterest expense to average assets | 3.2026% | 2,975 |
| Loan and lease loss provision to assets | 0.3823% | 3,029 |
| Net operating income to assets | -0.0815% | 6,383 |
| Return on assets (ROA) | -0.1337% | 6,564 |
| Pretax return on assets | -0.1337% | 6,506 |
| Return on Equity (ROE) | -1.1513% | 6,565 |
| Retained earnings to average equity (ytd only) | -1.1513% | 5,926 |
| Net charge-offs to loans | 0.2088% | 3,391 |
| Credit loss provision to net charge-offs | 247.2973% | 1,897 |
| Earnings coverage of net charge-offs (x) | 1.9459% | 3,745 |
| Efficiency ratio | 91.4132% | 1,624 |
| Assets per employee ($millions) | 5.3324% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 6,304 |
| Loan loss allowance to noncurrent loans | 619.7368% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 6,587 |
| Noncurrent loans to loans | 0.1582% | 7,075 |
| Net loans and leases to total assets | 72.3103% | 3,173 |
| Net loans and leases to deposits | 94.1280% | 2,253 |
| Net loans and leases to core deposits | 113.6690% | 3,039 |
| Total domestic deposits to total assets | 76.8212% | 6,327 |
| Equity capital to assets | 11.3028% | 2,715 |
| Core capital (leverage) ratio | 11.6829% | 2,052 |
| Tier 1 risk-based capital ratio | 14.7091% | 3,198 |
| Total risk-based capital ratio | 15.6504% | 3,289 |
| Memoranda: | ||
| Average total assets | $191,472,000 | 3,342 |
| Average earning assets | $183,469,500 | 3,242 |
| Average equity | $22,236,000 | 2,950 |
| Average total loans | $141,778,500 | 3,139 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3091% | 7,588 |
| Cost of funding earning assets | 2.2569% | 5,344 |
| Net interest margin | 3.0523% | 6,783 |
| Noninterest income to average assets | 0.1156% | 7,543 |
| Noninterest expense to average assets | 3.2408% | 3,183 |
| Loan and lease loss provision to assets | 0.2165% | 4,717 |
| Net operating income to assets | -0.4269% | 6,854 |
| Return on assets (ROA) | -0.4269% | 6,729 |
| Pretax return on assets | -0.4269% | 6,572 |
| Return on Equity (ROE) | -3.3337% | 6,665 |
| Retained earnings to average equity (ytd only) | -3.3337% | 6,188 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9398% | 785 |
| Assets per employee ($millions) | 5.3042% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 6,251 |
| Loan loss allowance to noncurrent loans | 194.9713% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 6,117 |
| Noncurrent loans to loans | 0.4990% | 5,848 |
| Net loans and leases to total assets | 74.3998% | 3,012 |
| Net loans and leases to deposits | 98.9115% | 1,992 |
| Net loans and leases to core deposits | 120.2254% | 2,665 |
| Total domestic deposits to total assets | 75.2186% | 6,399 |
| Equity capital to assets | 11.9431% | 2,328 |
| Core capital (leverage) ratio | 11.9865% | 1,968 |
| Tier 1 risk-based capital ratio | 15.2210% | 2,950 |
| Total risk-based capital ratio | 16.1537% | 3,008 |
| Memoranda: | ||
| Average total assets | $176,406,800 | 3,455 |
| Average earning assets | $168,464,600 | 3,357 |
| Average equity | $22,587,400 | 2,897 |
| Average total loans | $121,903,000 | 3,423 |