Home > INLAND BANK & TRUST > Performance and Condition Ratios
INLAND BANK & TRUST, Performance and Condition Ratios
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0212% | 1,533 |
| Cost of funding earning assets | 1.6201% | 1,016 |
| Net interest margin | 3.4011% | 2,507 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 3.0159% | 1,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3280% | 4,115 |
| Return on assets (ROA) | 0.3033% | 4,178 |
| Pretax return on assets | 0.3844% | 4,136 |
| Return on Equity (ROE) | 2.2000% | 4,245 |
| Retained earnings to average equity (ytd only) | 2.2023% | 3,672 |
| Net charge-offs to loans | -0.0407% | 4,318 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.9934% | 425 |
| Assets per employee ($millions) | 8.8909% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 1,912 |
| Loan loss allowance to noncurrent loans | 155.8065% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6057% | 885 |
| Noncurrent loans to loans | 0.8376% | 913 |
| Net loans and leases to total assets | 71.3700% | 1,599 |
| Net loans and leases to deposits | 87.7810% | 1,361 |
| Net loans and leases to core deposits | 93.9229% | 1,571 |
| Total domestic deposits to total assets | 81.3000% | 3,378 |
| Equity capital to assets | 13.9093% | 662 |
| Core capital (leverage) ratio | 15.0755% | 585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9526% | 967 |
| Memoranda: | ||
| Average total assets | $1,210,663,000 | 843 |
| Average earning assets | $1,152,036,000 | 819 |
| Average equity | $166,738,000 | 617 |
| Average total loans | $878,981,333 | 794 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8676% | 1,470 |
| Cost of funding earning assets | 1.3611% | 1,113 |
| Net interest margin | 3.5065% | 2,348 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.3499% | 2,670 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8633% | 2,980 |
| Return on assets (ROA) | 0.8149% | 3,096 |
| Pretax return on assets | 1.0909% | 2,733 |
| Return on Equity (ROE) | 5.9500% | 3,721 |
| Retained earnings to average equity (ytd only) | 5.9456% | 2,775 |
| Net charge-offs to loans | -0.0221% | 4,128 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.7164% | 2,237 |
| Assets per employee ($millions) | 8.2545% | 1,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 2,090 |
| Loan loss allowance to noncurrent loans | 134.5211% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.7009% | 696 |
| Noncurrent loans to loans | 0.9579% | 780 |
| Net loans and leases to total assets | 72.2300% | 1,401 |
| Net loans and leases to deposits | 89.9811% | 1,048 |
| Net loans and leases to core deposits | 94.7648% | 1,342 |
| Total domestic deposits to total assets | 80.2700% | 3,728 |
| Equity capital to assets | 13.9882% | 599 |
| Core capital (leverage) ratio | 14.8515% | 600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3154% | 1,109 |
| Memoranda: | ||
| Average total assets | $1,220,304,500 | 856 |
| Average earning assets | $1,161,715,500 | 831 |
| Average equity | $167,250,500 | 623 |
| Average total loans | $887,723,500 | 805 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8257% | 2,205 |
| Cost of funding earning assets | 0.3625% | 2,386 |
| Net interest margin | 3.4632% | 2,060 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 3.1684% | 757 |
| Loan and lease loss provision to assets | 0.4100% | 166 |
| Net operating income to assets | 0.6276% | 3,810 |
| Return on assets (ROA) | 0.6276% | 3,764 |
| Pretax return on assets | 0.8090% | 3,603 |
| Return on Equity (ROE) | 4.6800% | 4,067 |
| Retained earnings to average equity (ytd only) | 4.6843% | 3,179 |
| Net charge-offs to loans | 0.8399% | 79 |
| Credit loss provision to net charge-offs | 71.8108% | 1,717 |
| Earnings coverage of net charge-offs (x) | 2.1407% | 2,519 |
| Efficiency ratio | 72.2426% | 1,414 |
| Assets per employee ($millions) | 7.4876% | 1,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 3,437 |
| Loan loss allowance to noncurrent loans | 115.1566% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.6227% | 796 |
| Noncurrent loans to loans | 0.8609% | 868 |
| Net loans and leases to total assets | 71.6100% | 1,461 |
| Net loans and leases to deposits | 88.2293% | 1,159 |
| Net loans and leases to core deposits | 92.1168% | 1,384 |
| Total domestic deposits to total assets | 81.1700% | 3,735 |
| Equity capital to assets | 13.4300% | 641 |
| Core capital (leverage) ratio | 14.4596% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6516% | 1,199 |
| Memoranda: | ||
| Average total assets | $1,248,822,000 | 826 |
| Average earning assets | $1,195,415,600 | 794 |
| Average equity | $167,326,200 | 617 |
| Average total loans | $845,619,600 | 789 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5348% | 2,508 |
| Cost of funding earning assets | 0.2094% | 3,161 |
| Net interest margin | 3.3255% | 2,211 |
| Noninterest income to average assets | 1.1900% | 509 |
| Noninterest expense to average assets | 3.1593% | 721 |
| Loan and lease loss provision to assets | 0.3900% | 147 |
| Net operating income to assets | 0.6226% | 3,777 |
| Return on assets (ROA) | 0.6226% | 3,732 |
| Pretax return on assets | 0.8282% | 3,511 |
| Return on Equity (ROE) | 4.6500% | 4,049 |
| Retained earnings to average equity (ytd only) | 4.6493% | 3,219 |
| Net charge-offs to loans | 0.7837% | 67 |
| Credit loss provision to net charge-offs | 75.0000% | 1,436 |
| Earnings coverage of net charge-offs (x) | 2.3373% | 2,250 |
| Efficiency ratio | 72.1494% | 1,496 |
| Assets per employee ($millions) | 4.8164% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 2,945 |
| Loan loss allowance to noncurrent loans | 194.5488% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4017% | 1,348 |
| Noncurrent loans to loans | 0.5731% | 1,399 |
| Net loans and leases to total assets | 69.3200% | 1,539 |
| Net loans and leases to deposits | 82.3062% | 1,422 |
| Net loans and leases to core deposits | 85.1311% | 1,576 |
| Total domestic deposits to total assets | 84.2200% | 3,448 |
| Equity capital to assets | 13.2567% | 645 |
| Core capital (leverage) ratio | 14.4012% | 626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7300% | 1,228 |
| Memoranda: | ||
| Average total assets | $1,252,164,500 | 826 |
| Average earning assets | $1,200,326,750 | 796 |
| Average equity | $167,677,500 | 620 |
| Average total loans | $833,621,500 | 796 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2399% | 2,923 |
| Cost of funding earning assets | 0.1437% | 3,657 |
| Net interest margin | 3.0962% | 2,548 |
| Noninterest income to average assets | 1.3098% | 418 |
| Noninterest expense to average assets | 3.2386% | 595 |
| Loan and lease loss provision to assets | 0.5482% | 95 |
| Net operating income to assets | 0.3831% | 4,139 |
| Return on assets (ROA) | 0.3831% | 4,088 |
| Pretax return on assets | 0.4987% | 4,002 |
| Return on Equity (ROE) | 2.8518% | 4,231 |
| Retained earnings to average equity (ytd only) | 2.8518% | 3,490 |
| Net charge-offs to loans | 1.1006% | 57 |
| Credit loss provision to net charge-offs | 76.1421% | 1,406 |
| Earnings coverage of net charge-offs (x) | 1.4540% | 2,070 |
| Efficiency ratio | 75.5710% | 1,327 |
| Assets per employee ($millions) | 4.4495% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 2,825 |
| Loan loss allowance to noncurrent loans | 184.0422% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 1,317 |
| Noncurrent loans to loans | 0.6377% | 1,335 |
| Net loans and leases to total assets | 66.8206% | 1,602 |
| Net loans and leases to deposits | 78.2157% | 1,523 |
| Net loans and leases to core deposits | 80.2861% | 1,697 |
| Total domestic deposits to total assets | 85.4311% | 3,387 |
| Equity capital to assets | 13.4992% | 583 |
| Core capital (leverage) ratio | 13.7608% | 673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8659% | 1,208 |
| Memoranda: | ||
| Average total assets | $1,258,555,667 | 816 |
| Average earning assets | $1,209,598,000 | 791 |
| Average equity | $169,085,333 | 626 |
| Average total loans | $823,390,000 | 792 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0756% | 3,047 |
| Cost of funding earning assets | 0.1387% | 3,647 |
| Net interest margin | 2.9368% | 2,718 |
| Noninterest income to average assets | 1.4162% | 379 |
| Noninterest expense to average assets | 3.3344% | 510 |
| Loan and lease loss provision to assets | 1.0145% | 42 |
| Net operating income to assets | -0.0538% | 4,573 |
| Return on assets (ROA) | -0.0538% | 4,555 |
| Pretax return on assets | -0.1022% | 4,573 |
| Return on Equity (ROE) | -0.4013% | 4,555 |
| Retained earnings to average equity (ytd only) | -0.4013% | 4,071 |
| Net charge-offs to loans | 2.2644% | 28 |
| Credit loss provision to net charge-offs | 69.6093% | 1,140 |
| Earnings coverage of net charge-offs (x) | 0.6259% | 1,765 |
| Efficiency ratio | 78.5185% | 1,270 |
| Assets per employee ($millions) | 4.2348% | 4,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 2,920 |
| Loan loss allowance to noncurrent loans | 191.2788% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3916% | 1,536 |
| Noncurrent loans to loans | 0.6212% | 1,510 |
| Net loans and leases to total assets | 62.2918% | 1,825 |
| Net loans and leases to deposits | 72.9436% | 1,707 |
| Net loans and leases to core deposits | 75.2203% | 1,829 |
| Total domestic deposits to total assets | 85.3971% | 3,438 |
| Equity capital to assets | 13.2602% | 643 |
| Core capital (leverage) ratio | 13.5206% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4161% | 1,163 |
| Memoranda: | ||
| Average total assets | $1,271,580,500 | 819 |
| Average earning assets | $1,225,536,000 | 790 |
| Average equity | $170,438,500 | 640 |
| Average total loans | $818,411,000 | 783 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2420% | 3,368 |
| Cost of funding earning assets | 0.2407% | 3,043 |
| Net interest margin | 3.0013% | 3,189 |
| Noninterest income to average assets | 2.8445% | 199 |
| Noninterest expense to average assets | 4.0511% | 276 |
| Loan and lease loss provision to assets | 0.0929% | 1,340 |
| Net operating income to assets | 1.1733% | 2,014 |
| Return on assets (ROA) | 1.1733% | 2,073 |
| Pretax return on assets | 1.5962% | 1,431 |
| Return on Equity (ROE) | 9.0160% | 2,906 |
| Retained earnings to average equity (ytd only) | 9.0160% | 1,199 |
| Net charge-offs to loans | 0.4032% | 208 |
| Credit loss provision to net charge-offs | 33.0033% | 2,225 |
| Earnings coverage of net charge-offs (x) | 6.0000% | 2,420 |
| Efficiency ratio | 70.5206% | 1,676 |
| Assets per employee ($millions) | 4.1463% | 4,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 2,405 |
| Loan loss allowance to noncurrent loans | 101.4667% | 3,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8355% | 706 |
| Noncurrent loans to loans | 1.2724% | 754 |
| Net loans and leases to total assets | 64.8150% | 1,607 |
| Net loans and leases to deposits | 75.7865% | 1,584 |
| Net loans and leases to core deposits | 78.5426% | 1,719 |
| Total domestic deposits to total assets | 85.5231% | 3,081 |
| Equity capital to assets | 13.5450% | 755 |
| Core capital (leverage) ratio | 13.4096% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0380% | 1,259 |
| Memoranda: | ||
| Average total assets | $1,291,597,200 | 771 |
| Average earning assets | $1,246,149,400 | 746 |
| Average equity | $168,079,400 | 644 |
| Average total loans | $901,858,200 | 724 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2747% | 3,451 |
| Cost of funding earning assets | 0.2663% | 2,940 |
| Net interest margin | 3.0083% | 3,280 |
| Noninterest income to average assets | 3.0871% | 187 |
| Noninterest expense to average assets | 4.1680% | 256 |
| Loan and lease loss provision to assets | 0.0927% | 1,286 |
| Net operating income to assets | 1.2674% | 1,928 |
| Return on assets (ROA) | 1.2674% | 1,983 |
| Pretax return on assets | 1.7262% | 1,345 |
| Return on Equity (ROE) | 9.8385% | 2,791 |
| Retained earnings to average equity (ytd only) | 9.8385% | 1,371 |
| Net charge-offs to loans | 0.0723% | 924 |
| Credit loss provision to net charge-offs | 181.0865% | 1,256 |
| Earnings coverage of net charge-offs (x) | 35.5252% | 1,441 |
| Efficiency ratio | 69.5512% | 1,647 |
| Assets per employee ($millions) | 4.0841% | 4,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5579% | 1,440 |
| Loan loss allowance to noncurrent loans | 137.0411% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8488% | 823 |
| Noncurrent loans to loans | 1.1368% | 990 |
| Net loans and leases to total assets | 66.8679% | 1,447 |
| Net loans and leases to deposits | 78.1393% | 1,472 |
| Net loans and leases to core deposits | 81.6661% | 1,597 |
| Total domestic deposits to total assets | 85.5752% | 2,923 |
| Equity capital to assets | 13.2784% | 911 |
| Core capital (leverage) ratio | 13.1424% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7116% | 1,424 |
| Memoranda: | ||
| Average total assets | $1,294,195,750 | 780 |
| Average earning assets | $1,247,529,500 | 753 |
| Average equity | $166,714,500 | 656 |
| Average total loans | $917,004,500 | 729 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 3,571 |
| Cost of funding earning assets | 0.2938% | 2,835 |
| Net interest margin | 2.9531% | 3,441 |
| Noninterest income to average assets | 3.1676% | 172 |
| Noninterest expense to average assets | 4.1512% | 261 |
| Loan and lease loss provision to assets | 0.0927% | 1,348 |
| Net operating income to assets | 1.2995% | 1,872 |
| Return on assets (ROA) | 1.2995% | 1,944 |
| Pretax return on assets | 1.7698% | 1,301 |
| Return on Equity (ROE) | 10.1926% | 2,679 |
| Retained earnings to average equity (ytd only) | 10.1926% | 1,345 |
| Net charge-offs to loans | 0.0607% | 1,007 |
| Credit loss provision to net charge-offs | 212.7660% | 1,023 |
| Earnings coverage of net charge-offs (x) | 42.7340% | 1,128 |
| Efficiency ratio | 68.9874% | 1,763 |
| Assets per employee ($millions) | 4.0356% | 4,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 1,749 |
| Loan loss allowance to noncurrent loans | 133.5852% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.8687% | 898 |
| Noncurrent loans to loans | 1.0888% | 1,110 |
| Net loans and leases to total assets | 71.6519% | 1,009 |
| Net loans and leases to deposits | 83.7215% | 1,084 |
| Net loans and leases to core deposits | 88.3536% | 1,249 |
| Total domestic deposits to total assets | 85.5837% | 2,879 |
| Equity capital to assets | 13.1117% | 913 |
| Core capital (leverage) ratio | 12.8484% | 836 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9708% | 1,643 |
| Memoranda: | ||
| Average total assets | $1,294,040,333 | 778 |
| Average earning assets | $1,247,184,333 | 747 |
| Average equity | $164,982,333 | 654 |
| Average total loans | $929,535,000 | 723 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2282% | 3,630 |
| Cost of funding earning assets | 0.3297% | 2,710 |
| Net interest margin | 2.8985% | 3,529 |
| Noninterest income to average assets | 3.5678% | 166 |
| Noninterest expense to average assets | 4.2205% | 243 |
| Loan and lease loss provision to assets | 0.0925% | 1,446 |
| Net operating income to assets | 1.5003% | 1,331 |
| Return on assets (ROA) | 1.5003% | 1,393 |
| Pretax return on assets | 2.0466% | 878 |
| Return on Equity (ROE) | 11.9356% | 2,043 |
| Retained earnings to average equity (ytd only) | 11.9356% | 1,164 |
| Net charge-offs to loans | 0.0147% | 1,452 |
| Credit loss provision to net charge-offs | 882.3529% | 448 |
| Earnings coverage of net charge-offs (x) | 204.0588% | 389 |
| Efficiency ratio | 66.3257% | 2,178 |
| Assets per employee ($millions) | 4.1346% | 4,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,834 |
| Loan loss allowance to noncurrent loans | 116.6208% | 3,147 |
| Noncurrent assets plus other real estate owned to assets | 0.8901% | 976 |
| Noncurrent loans to loans | 1.2279% | 1,071 |
| Net loans and leases to total assets | 71.4543% | 1,099 |
| Net loans and leases to deposits | 83.4480% | 1,201 |
| Net loans and leases to core deposits | 88.4325% | 1,333 |
| Total domestic deposits to total assets | 85.6273% | 2,883 |
| Equity capital to assets | 12.6068% | 1,038 |
| Core capital (leverage) ratio | 12.5662% | 969 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7737% | 1,647 |
| Memoranda: | ||
| Average total assets | $1,297,377,000 | 764 |
| Average earning assets | $1,249,595,500 | 739 |
| Average equity | $163,075,500 | 655 |
| Average total loans | $926,283,500 | 721 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6650% | 3,663 |
| Cost of funding earning assets | 0.6687% | 1,882 |
| Net interest margin | 2.9964% | 3,893 |
| Noninterest income to average assets | 3.4618% | 159 |
| Noninterest expense to average assets | 4.4082% | 271 |
| Loan and lease loss provision to assets | 0.3161% | 1,178 |
| Net operating income to assets | 1.1844% | 1,598 |
| Return on assets (ROA) | 1.2060% | 1,642 |
| Pretax return on assets | 1.6358% | 988 |
| Return on Equity (ROE) | 9.5813% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.5813% | 661 |
| Net charge-offs to loans | 0.1370% | 1,177 |
| Credit loss provision to net charge-offs | 316.1398% | 1,678 |
| Earnings coverage of net charge-offs (x) | 19.2488% | 1,995 |
| Efficiency ratio | 69.5673% | 2,008 |
| Assets per employee ($millions) | 4.2099% | 4,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4686% | 1,694 |
| Loan loss allowance to noncurrent loans | 252.9871% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 2,039 |
| Noncurrent loans to loans | 0.5805% | 2,249 |
| Net loans and leases to total assets | 69.2531% | 1,655 |
| Net loans and leases to deposits | 80.6491% | 1,798 |
| Net loans and leases to core deposits | 86.4170% | 1,835 |
| Total domestic deposits to total assets | 85.8697% | 2,417 |
| Equity capital to assets | 12.5319% | 1,304 |
| Core capital (leverage) ratio | 12.3151% | 1,112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7409% | 1,617 |
| Memoranda: | ||
| Average total assets | $1,202,194,400 | 748 |
| Average earning assets | $1,151,856,600 | 727 |
| Average equity | $151,326,600 | 671 |
| Average total loans | $877,666,400 | 730 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7264% | 3,743 |
| Cost of funding earning assets | 0.7409% | 1,794 |
| Net interest margin | 2.9854% | 4,010 |
| Noninterest income to average assets | 3.3350% | 161 |
| Noninterest expense to average assets | 4.3103% | 291 |
| Loan and lease loss provision to assets | 0.2908% | 1,391 |
| Net operating income to assets | 1.1713% | 1,739 |
| Return on assets (ROA) | 1.2006% | 1,761 |
| Pretax return on assets | 1.6286% | 1,108 |
| Return on Equity (ROE) | 9.5268% | 2,197 |
| Retained earnings to average equity (ytd only) | 9.5268% | 862 |
| Net charge-offs to loans | 0.1740% | 850 |
| Credit loss provision to net charge-offs | 226.6725% | 2,007 |
| Earnings coverage of net charge-offs (x) | 14.6725% | 2,142 |
| Efficiency ratio | 69.5607% | 1,950 |
| Assets per employee ($millions) | 4.2305% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,086 |
| Loan loss allowance to noncurrent loans | 155.9753% | 2,634 |
| Noncurrent assets plus other real estate owned to assets | 0.7243% | 1,613 |
| Noncurrent loans to loans | 0.8448% | 1,743 |
| Net loans and leases to total assets | 72.5885% | 1,574 |
| Net loans and leases to deposits | 84.3397% | 1,874 |
| Net loans and leases to core deposits | 91.0909% | 1,878 |
| Total domestic deposits to total assets | 86.0669% | 2,034 |
| Equity capital to assets | 12.5407% | 1,405 |
| Core capital (leverage) ratio | 12.5823% | 1,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1670% | 1,775 |
| Memoranda: | ||
| Average total assets | $1,180,686,000 | 752 |
| Average earning assets | $1,130,078,750 | 725 |
| Average equity | $148,798,250 | 670 |
| Average total loans | $870,724,250 | 732 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 3,642 |
| Cost of funding earning assets | 0.8252% | 1,705 |
| Net interest margin | 3.0678% | 3,974 |
| Noninterest income to average assets | 2.5537% | 218 |
| Noninterest expense to average assets | 4.1339% | 353 |
| Loan and lease loss provision to assets | 0.2334% | 1,806 |
| Net operating income to assets | 0.8305% | 2,938 |
| Return on assets (ROA) | 0.8753% | 2,904 |
| Pretax return on assets | 1.1793% | 2,432 |
| Return on Equity (ROE) | 6.9332% | 3,156 |
| Retained earnings to average equity (ytd only) | 6.9332% | 1,689 |
| Net charge-offs to loans | -0.2052% | 4,946 |
| Credit loss provision to net charge-offs | -154.1096% | 3,441 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2504% | 1,340 |
| Assets per employee ($millions) | 4.1921% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4640% | 1,371 |
| Loan loss allowance to noncurrent loans | 185.4376% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 0.7634% | 1,622 |
| Noncurrent loans to loans | 0.7895% | 1,915 |
| Net loans and leases to total assets | 72.0543% | 1,696 |
| Net loans and leases to deposits | 83.7290% | 2,020 |
| Net loans and leases to core deposits | 90.1127% | 2,066 |
| Total domestic deposits to total assets | 86.0566% | 1,984 |
| Equity capital to assets | 12.5065% | 1,371 |
| Core capital (leverage) ratio | 12.5325% | 1,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5326% | 1,622 |
| Memoranda: | ||
| Average total assets | $1,156,835,000 | 757 |
| Average earning assets | $1,107,184,667 | 728 |
| Average equity | $146,051,000 | 674 |
| Average total loans | $853,925,667 | 733 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1487% | 3,381 |
| Cost of funding earning assets | 0.9781% | 1,522 |
| Net interest margin | 3.1706% | 3,932 |
| Noninterest income to average assets | 1.6776% | 325 |
| Noninterest expense to average assets | 4.0011% | 508 |
| Loan and lease loss provision to assets | 0.2209% | 1,400 |
| Net operating income to assets | 0.3779% | 4,181 |
| Return on assets (ROA) | 0.3528% | 4,271 |
| Pretax return on assets | 0.4592% | 4,190 |
| Return on Equity (ROE) | 2.7803% | 4,272 |
| Retained earnings to average equity (ytd only) | 2.7803% | 3,166 |
| Net charge-offs to loans | -0.2440% | 4,963 |
| Credit loss provision to net charge-offs | -122.0703% | 3,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8346% | 779 |
| Assets per employee ($millions) | 3.9300% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 1,777 |
| Loan loss allowance to noncurrent loans | 165.1228% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.8261% | 1,626 |
| Noncurrent loans to loans | 0.8350% | 1,940 |
| Net loans and leases to total assets | 74.2873% | 1,563 |
| Net loans and leases to deposits | 87.3929% | 1,819 |
| Net loans and leases to core deposits | 93.0613% | 2,063 |
| Total domestic deposits to total assets | 85.0039% | 2,407 |
| Equity capital to assets | 12.6783% | 1,635 |
| Core capital (leverage) ratio | 12.7009% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0927% | 1,875 |
| Memoranda: | ||
| Average total assets | $1,131,594,500 | 739 |
| Average earning assets | $1,083,331,000 | 708 |
| Average equity | $143,580,000 | 681 |
| Average total loans | $839,464,500 | 714 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 2,992 |
| Cost of funding earning assets | 1.2351% | 935 |
| Net interest margin | 3.2504% | 4,082 |
| Noninterest income to average assets | 1.8971% | 284 |
| Noninterest expense to average assets | 3.9041% | 597 |
| Loan and lease loss provision to assets | 0.0809% | 2,381 |
| Net operating income to assets | 0.7600% | 3,670 |
| Return on assets (ROA) | 0.7949% | 3,652 |
| Pretax return on assets | 1.0672% | 3,276 |
| Return on Equity (ROE) | 6.4608% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.4608% | 1,632 |
| Net charge-offs to loans | 0.0095% | 3,347 |
| Credit loss provision to net charge-offs | 1,184.2105% | 293 |
| Earnings coverage of net charge-offs (x) | 161.6053% | 463 |
| Efficiency ratio | 77.8940% | 1,164 |
| Assets per employee ($millions) | 3.9559% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,904 |
| Loan loss allowance to noncurrent loans | 133.6039% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 1,361 |
| Noncurrent loans to loans | 0.9761% | 1,563 |
| Net loans and leases to total assets | 72.0738% | 2,080 |
| Net loans and leases to deposits | 83.5033% | 2,386 |
| Net loans and leases to core deposits | 89.9753% | 2,428 |
| Total domestic deposits to total assets | 86.3125% | 1,929 |
| Equity capital to assets | 12.6985% | 1,705 |
| Core capital (leverage) ratio | 12.5849% | 1,440 |
| Tier 1 risk-based capital ratio | 14.6487% | 2,930 |
| Total risk-based capital ratio | 15.7623% | 2,915 |
| Memoranda: | ||
| Average total assets | $1,112,585,200 | 716 |
| Average earning assets | $1,064,822,800 | 681 |
| Average equity | $136,887,600 | 678 |
| Average total loans | $803,038,600 | 714 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 2,935 |
| Cost of funding earning assets | 1.2658% | 874 |
| Net interest margin | 3.2716% | 4,144 |
| Noninterest income to average assets | 1.9063% | 284 |
| Noninterest expense to average assets | 3.8982% | 595 |
| Loan and lease loss provision to assets | 0.0811% | 2,286 |
| Net operating income to assets | 0.7843% | 3,721 |
| Return on assets (ROA) | 0.8310% | 3,655 |
| Pretax return on assets | 1.1161% | 3,256 |
| Return on Equity (ROE) | 6.8091% | 3,764 |
| Retained earnings to average equity (ytd only) | 6.8091% | 1,946 |
| Net charge-offs to loans | 0.0210% | 2,693 |
| Credit loss provision to net charge-offs | 535.7143% | 594 |
| Earnings coverage of net charge-offs (x) | 75.1886% | 898 |
| Efficiency ratio | 77.3370% | 1,172 |
| Assets per employee ($millions) | 3.9871% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 2,204 |
| Loan loss allowance to noncurrent loans | 104.9431% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1358% | 1,146 |
| Noncurrent loans to loans | 1.1969% | 1,307 |
| Net loans and leases to total assets | 73.6692% | 1,882 |
| Net loans and leases to deposits | 85.2164% | 2,298 |
| Net loans and leases to core deposits | 92.3564% | 2,331 |
| Total domestic deposits to total assets | 86.4495% | 1,795 |
| Equity capital to assets | 12.6796% | 1,789 |
| Core capital (leverage) ratio | 12.4466% | 1,602 |
| Tier 1 risk-based capital ratio | 14.5380% | 3,057 |
| Total risk-based capital ratio | 15.6283% | 3,050 |
| Memoranda: | ||
| Average total assets | $1,109,861,000 | 715 |
| Average earning assets | $1,061,841,250 | 685 |
| Average equity | $135,443,250 | 680 |
| Average total loans | $798,689,500 | 718 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5397% | 2,883 |
| Cost of funding earning assets | 1.2320% | 912 |
| Net interest margin | 3.3077% | 4,123 |
| Noninterest income to average assets | 1.5949% | 363 |
| Noninterest expense to average assets | 3.8660% | 616 |
| Loan and lease loss provision to assets | 0.0812% | 2,214 |
| Net operating income to assets | 0.6039% | 4,296 |
| Return on assets (ROA) | 0.6707% | 4,149 |
| Pretax return on assets | 0.8995% | 3,844 |
| Return on Equity (ROE) | 5.5684% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.5684% | 2,488 |
| Net charge-offs to loans | 0.0058% | 2,943 |
| Credit loss provision to net charge-offs | 1,956.5217% | 196 |
| Earnings coverage of net charge-offs (x) | 216.0435% | 371 |
| Efficiency ratio | 81.1141% | 876 |
| Assets per employee ($millions) | 3.9940% | 3,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,033 |
| Loan loss allowance to noncurrent loans | 126.7470% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9615% | 1,449 |
| Noncurrent loans to loans | 1.0228% | 1,602 |
| Net loans and leases to total assets | 69.6397% | 2,583 |
| Net loans and leases to deposits | 79.8498% | 2,972 |
| Net loans and leases to core deposits | 86.8291% | 2,896 |
| Total domestic deposits to total assets | 87.2134% | 1,489 |
| Equity capital to assets | 12.1866% | 2,055 |
| Core capital (leverage) ratio | 12.2658% | 1,667 |
| Tier 1 risk-based capital ratio | 14.5830% | 3,028 |
| Total risk-based capital ratio | 15.6894% | 3,013 |
| Memoranda: | ||
| Average total assets | $1,109,013,000 | 715 |
| Average earning assets | $1,061,888,000 | 684 |
| Average equity | $133,574,670 | 681 |
| Average total loans | $788,278,000 | 725 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 2,558 |
| Cost of funding earning assets | 1.1967% | 913 |
| Net interest margin | 3.3946% | 3,903 |
| Noninterest income to average assets | 1.3050% | 501 |
| Noninterest expense to average assets | 3.4440% | 1,047 |
| Loan and lease loss provision to assets | 0.0818% | 2,065 |
| Net operating income to assets | 0.7648% | 3,731 |
| Return on assets (ROA) | 0.7648% | 3,775 |
| Pretax return on assets | 1.0295% | 3,348 |
| Return on Equity (ROE) | 6.3887% | 3,879 |
| Retained earnings to average equity (ytd only) | 6.3887% | 2,281 |
| Net charge-offs to loans | 0.0092% | 2,369 |
| Credit loss provision to net charge-offs | 1,250.0000% | 309 |
| Earnings coverage of net charge-offs (x) | 169.8333% | 452 |
| Efficiency ratio | 75.5327% | 1,553 |
| Assets per employee ($millions) | 4.0343% | 3,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3148% | 2,024 |
| Loan loss allowance to noncurrent loans | 117.9181% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 1.0320% | 1,353 |
| Noncurrent loans to loans | 1.1150% | 1,500 |
| Net loans and leases to total assets | 69.2168% | 2,596 |
| Net loans and leases to deposits | 79.4927% | 2,890 |
| Net loans and leases to core deposits | 86.7601% | 2,797 |
| Total domestic deposits to total assets | 87.0732% | 1,772 |
| Equity capital to assets | 12.2297% | 1,892 |
| Core capital (leverage) ratio | 12.3781% | 1,571 |
| Tier 1 risk-based capital ratio | 14.9109% | 2,916 |
| Total risk-based capital ratio | 16.0314% | 2,906 |
| Memoranda: | ||
| Average total assets | $1,100,360,500 | 722 |
| Average earning assets | $1,053,560,500 | 689 |
| Average equity | $131,732,000 | 690 |
| Average total loans | $785,083,500 | 729 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 2,653 |
| Cost of funding earning assets | 0.9586% | 895 |
| Net interest margin | 3.4752% | 3,788 |
| Noninterest income to average assets | 1.3871% | 472 |
| Noninterest expense to average assets | 3.6143% | 852 |
| Loan and lease loss provision to assets | 0.0553% | 3,061 |
| Net operating income to assets | 0.7820% | 3,872 |
| Return on assets (ROA) | 0.7842% | 3,862 |
| Pretax return on assets | 1.0439% | 3,460 |
| Return on Equity (ROE) | 6.7761% | 3,902 |
| Retained earnings to average equity (ytd only) | 6.7761% | 1,767 |
| Net charge-offs to loans | 0.2690% | 714 |
| Credit loss provision to net charge-offs | 28.1690% | 3,356 |
| Earnings coverage of net charge-offs (x) | 5.5803% | 3,177 |
| Efficiency ratio | 76.3731% | 1,306 |
| Assets per employee ($millions) | 3.9693% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2292% | 2,413 |
| Loan loss allowance to noncurrent loans | 112.4587% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.0978% | 1,225 |
| Noncurrent loans to loans | 1.0930% | 1,487 |
| Net loans and leases to total assets | 71.6495% | 2,321 |
| Net loans and leases to deposits | 81.8208% | 2,758 |
| Net loans and leases to core deposits | 88.6623% | 2,685 |
| Total domestic deposits to total assets | 87.5689% | 1,498 |
| Equity capital to assets | 11.7170% | 2,086 |
| Core capital (leverage) ratio | 11.8323% | 1,846 |
| Tier 1 risk-based capital ratio | 14.3221% | 3,160 |
| Total risk-based capital ratio | 15.3932% | 3,156 |
| Memoranda: | ||
| Average total assets | $1,084,104,200 | 707 |
| Average earning assets | $1,036,810,600 | 679 |
| Average equity | $125,470,600 | 690 |
| Average total loans | $791,934,000 | 709 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3540% | 2,778 |
| Cost of funding earning assets | 0.8964% | 939 |
| Net interest margin | 3.4576% | 3,842 |
| Noninterest income to average assets | 1.4485% | 448 |
| Noninterest expense to average assets | 3.4961% | 986 |
| Loan and lease loss provision to assets | 0.0556% | 2,859 |
| Net operating income to assets | 0.9019% | 3,521 |
| Return on assets (ROA) | 0.9049% | 3,509 |
| Pretax return on assets | 1.2061% | 2,961 |
| Return on Equity (ROE) | 7.8434% | 3,609 |
| Retained earnings to average equity (ytd only) | 7.8434% | 1,728 |
| Net charge-offs to loans | -0.0433% | 4,880 |
| Credit loss provision to net charge-offs | -175.7813% | 4,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1006% | 1,718 |
| Assets per employee ($millions) | 3.9490% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,401 |
| Loan loss allowance to noncurrent loans | 105.8839% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 1.3215% | 1,022 |
| Noncurrent loans to loans | 1.4016% | 1,183 |
| Net loans and leases to total assets | 71.9387% | 2,337 |
| Net loans and leases to deposits | 83.0848% | 2,697 |
| Net loans and leases to core deposits | 90.5101% | 2,616 |
| Total domestic deposits to total assets | 86.5846% | 1,922 |
| Equity capital to assets | 11.3251% | 2,381 |
| Core capital (leverage) ratio | 11.8597% | 1,873 |
| Tier 1 risk-based capital ratio | 14.0113% | 3,367 |
| Total risk-based capital ratio | 15.2619% | 3,276 |
| Memoranda: | ||
| Average total assets | $1,078,270,750 | 709 |
| Average earning assets | $1,030,862,000 | 681 |
| Average equity | $124,398,500 | 692 |
| Average total loans | $789,080,250 | 710 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2714% | 2,864 |
| Cost of funding earning assets | 0.8133% | 1,071 |
| Net interest margin | 3.4581% | 3,772 |
| Noninterest income to average assets | 1.4831% | 435 |
| Noninterest expense to average assets | 3.5641% | 911 |
| Loan and lease loss provision to assets | 0.0563% | 2,784 |
| Net operating income to assets | 0.8861% | 3,520 |
| Return on assets (ROA) | 0.8861% | 3,522 |
| Pretax return on assets | 1.1701% | 3,047 |
| Return on Equity (ROE) | 7.6312% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.6312% | 1,782 |
| Net charge-offs to loans | -0.0531% | 4,941 |
| Credit loss provision to net charge-offs | -144.9275% | 4,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8105% | 1,734 |
| Assets per employee ($millions) | 3.9454% | 3,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 1,556 |
| Loan loss allowance to noncurrent loans | 520.1747% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.4890% | 2,799 |
| Noncurrent loans to loans | 0.2788% | 3,706 |
| Net loans and leases to total assets | 73.5326% | 2,024 |
| Net loans and leases to deposits | 85.5092% | 2,375 |
| Net loans and leases to core deposits | 93.5935% | 2,254 |
| Total domestic deposits to total assets | 85.9938% | 2,281 |
| Equity capital to assets | 11.3521% | 2,311 |
| Core capital (leverage) ratio | 12.0474% | 1,682 |
| Tier 1 risk-based capital ratio | 13.7186% | 3,500 |
| Total risk-based capital ratio | 14.9692% | 3,406 |
| Memoranda: | ||
| Average total assets | $1,065,172,330 | 720 |
| Average earning assets | $1,018,766,330 | 690 |
| Average equity | $123,676,330 | 696 |
| Average total loans | $780,082,670 | 713 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 2,817 |
| Cost of funding earning assets | 0.7396% | 1,243 |
| Net interest margin | 3.4813% | 3,599 |
| Noninterest income to average assets | 1.3878% | 479 |
| Noninterest expense to average assets | 3.6098% | 860 |
| Loan and lease loss provision to assets | 0.0573% | 2,627 |
| Net operating income to assets | 0.7963% | 3,716 |
| Return on assets (ROA) | 0.7963% | 3,725 |
| Pretax return on assets | 1.0518% | 3,354 |
| Return on Equity (ROE) | 6.7786% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.7786% | 2,377 |
| Net charge-offs to loans | 0.0005% | 2,710 |
| Credit loss provision to net charge-offs | 15,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 2,904.0000% | 18 |
| Efficiency ratio | 75.8498% | 1,613 |
| Assets per employee ($millions) | 4.0174% | 3,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4904% | 1,494 |
| Loan loss allowance to noncurrent loans | 509.8853% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 2,805 |
| Noncurrent loans to loans | 0.2923% | 3,721 |
| Net loans and leases to total assets | 71.4618% | 2,255 |
| Net loans and leases to deposits | 83.2238% | 2,479 |
| Net loans and leases to core deposits | 93.9841% | 2,143 |
| Total domestic deposits to total assets | 85.8670% | 2,604 |
| Equity capital to assets | 11.5111% | 2,119 |
| Core capital (leverage) ratio | 12.0454% | 1,625 |
| Tier 1 risk-based capital ratio | 14.6854% | 3,036 |
| Total risk-based capital ratio | 15.9373% | 2,945 |
| Memoranda: | ||
| Average total assets | $1,047,378,500 | 734 |
| Average earning assets | $1,002,166,500 | 703 |
| Average equity | $123,035,000 | 699 |
| Average total loans | $759,459,500 | 729 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 2,836 |
| Cost of funding earning assets | 0.5947% | 1,628 |
| Net interest margin | 3.5664% | 3,279 |
| Noninterest income to average assets | 1.6548% | 391 |
| Noninterest expense to average assets | 3.8780% | 633 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6010% | 4,006 |
| Return on assets (ROA) | 0.6011% | 4,045 |
| Pretax return on assets | 1.1795% | 2,851 |
| Return on Equity (ROE) | 5.1907% | 4,089 |
| Retained earnings to average equity (ytd only) | 5.1907% | 2,010 |
| Net charge-offs to loans | -0.0974% | 5,368 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6913% | 1,669 |
| Assets per employee ($millions) | 3.7587% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5336% | 1,307 |
| Loan loss allowance to noncurrent loans | 173.3283% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9913% | 1,560 |
| Noncurrent loans to loans | 0.8848% | 2,012 |
| Net loans and leases to total assets | 71.3652% | 2,329 |
| Net loans and leases to deposits | 81.8557% | 2,734 |
| Net loans and leases to core deposits | 90.1345% | 2,558 |
| Total domestic deposits to total assets | 87.1842% | 1,905 |
| Equity capital to assets | 11.9926% | 1,842 |
| Core capital (leverage) ratio | 11.9402% | 1,636 |
| Tier 1 risk-based capital ratio | 14.9208% | 2,884 |
| Total risk-based capital ratio | 16.1730% | 2,814 |
| Memoranda: | ||
| Average total assets | $1,041,838,200 | 709 |
| Average earning assets | $993,977,000 | 683 |
| Average equity | $120,658,200 | 680 |
| Average total loans | $746,269,000 | 699 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1467% | 2,806 |
| Cost of funding earning assets | 0.5690% | 1,747 |
| Net interest margin | 3.5777% | 3,235 |
| Noninterest income to average assets | 1.6752% | 405 |
| Noninterest expense to average assets | 3.8064% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8457% | 3,288 |
| Return on assets (ROA) | 0.8481% | 3,331 |
| Pretax return on assets | 1.2835% | 2,573 |
| Return on Equity (ROE) | 7.3873% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.3873% | 1,499 |
| Net charge-offs to loans | -0.4024% | 5,640 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7899% | 1,929 |
| Assets per employee ($millions) | 3.8499% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7262% | 981 |
| Loan loss allowance to noncurrent loans | 145.8770% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.2202% | 1,344 |
| Noncurrent loans to loans | 1.1833% | 1,623 |
| Net loans and leases to total assets | 70.5650% | 2,476 |
| Net loans and leases to deposits | 81.7347% | 2,805 |
| Net loans and leases to core deposits | 90.0837% | 2,602 |
| Total domestic deposits to total assets | 86.3341% | 2,158 |
| Equity capital to assets | 11.8993% | 2,032 |
| Core capital (leverage) ratio | 11.7955% | 1,825 |
| Tier 1 risk-based capital ratio | 14.9253% | 2,952 |
| Total risk-based capital ratio | 16.1793% | 2,873 |
| Memoranda: | ||
| Average total assets | $1,045,767,750 | 711 |
| Average earning assets | $997,042,000 | 685 |
| Average equity | $120,058,250 | 687 |
| Average total loans | $746,911,750 | 701 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0570% | 2,986 |
| Cost of funding earning assets | 0.5359% | 1,870 |
| Net interest margin | 3.5212% | 3,321 |
| Noninterest income to average assets | 1.5137% | 471 |
| Noninterest expense to average assets | 3.7325% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7305% | 3,704 |
| Return on assets (ROA) | 0.7340% | 3,757 |
| Pretax return on assets | 1.1420% | 3,004 |
| Return on Equity (ROE) | 6.4720% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.4720% | 1,862 |
| Net charge-offs to loans | -0.8087% | 5,724 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5524% | 1,793 |
| Assets per employee ($millions) | 3.8882% | 4,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 962 |
| Loan loss allowance to noncurrent loans | 311.3915% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8063% | 2,195 |
| Noncurrent loans to loans | 0.5654% | 3,043 |
| Net loans and leases to total assets | 72.2518% | 2,160 |
| Net loans and leases to deposits | 84.1385% | 2,454 |
| Net loans and leases to core deposits | 92.7712% | 2,274 |
| Total domestic deposits to total assets | 85.8725% | 2,430 |
| Equity capital to assets | 11.4614% | 2,351 |
| Core capital (leverage) ratio | 11.6008% | 1,892 |
| Tier 1 risk-based capital ratio | 14.1134% | 3,365 |
| Total risk-based capital ratio | 15.3681% | 3,273 |
| Memoranda: | ||
| Average total assets | $1,046,585,330 | 712 |
| Average earning assets | $997,279,670 | 686 |
| Average equity | $118,695,330 | 698 |
| Average total loans | $746,166,670 | 709 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9418% | 3,233 |
| Cost of funding earning assets | 0.5053% | 2,042 |
| Net interest margin | 3.4365% | 3,499 |
| Noninterest income to average assets | 1.2064% | 707 |
| Noninterest expense to average assets | 3.5501% | 974 |
| Loan and lease loss provision to assets | 0.1921% | 868 |
| Net operating income to assets | 0.4821% | 4,665 |
| Return on assets (ROA) | 0.4895% | 4,662 |
| Pretax return on assets | 0.7465% | 4,296 |
| Return on Equity (ROE) | 4.3394% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.3394% | 3,254 |
| Net charge-offs to loans | 0.2147% | 825 |
| Credit loss provision to net charge-offs | 127.5510% | 1,333 |
| Earnings coverage of net charge-offs (x) | 6.1582% | 2,237 |
| Efficiency ratio | 78.0762% | 1,617 |
| Assets per employee ($millions) | 3.7505% | 4,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4600% | 1,828 |
| Loan loss allowance to noncurrent loans | 268.9105% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.7997% | 2,300 |
| Noncurrent loans to loans | 0.5429% | 3,190 |
| Net loans and leases to total assets | 68.5885% | 2,591 |
| Net loans and leases to deposits | 80.7314% | 2,648 |
| Net loans and leases to core deposits | 88.9099% | 2,463 |
| Total domestic deposits to total assets | 84.9589% | 3,110 |
| Equity capital to assets | 11.1433% | 2,486 |
| Core capital (leverage) ratio | 11.4402% | 1,994 |
| Tier 1 risk-based capital ratio | 14.1005% | 3,413 |
| Total risk-based capital ratio | 15.3520% | 3,336 |
| Memoranda: | ||
| Average total assets | $1,041,084,500 | 722 |
| Average earning assets | $991,016,000 | 692 |
| Average equity | $117,436,000 | 699 |
| Average total loans | $730,339,500 | 721 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 3,773 |
| Cost of funding earning assets | 0.4936% | 2,137 |
| Net interest margin | 3.3459% | 4,007 |
| Noninterest income to average assets | 1.9810% | 347 |
| Noninterest expense to average assets | 3.7328% | 844 |
| Loan and lease loss provision to assets | 0.6951% | 178 |
| Net operating income to assets | 0.4713% | 4,738 |
| Return on assets (ROA) | 0.5094% | 4,669 |
| Pretax return on assets | 0.7860% | 4,224 |
| Return on Equity (ROE) | 4.1967% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.1967% | 2,920 |
| Net charge-offs to loans | 1.1707% | 147 |
| Credit loss provision to net charge-offs | 85.8946% | 2,874 |
| Earnings coverage of net charge-offs (x) | 1.7579% | 3,947 |
| Efficiency ratio | 71.3714% | 2,686 |
| Assets per employee ($millions) | 3.5817% | 4,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,759 |
| Loan loss allowance to noncurrent loans | 151.7839% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1391% | 1,625 |
| Noncurrent loans to loans | 0.9745% | 2,143 |
| Net loans and leases to total assets | 69.6746% | 2,533 |
| Net loans and leases to deposits | 83.0894% | 2,534 |
| Net loans and leases to core deposits | 90.7930% | 2,429 |
| Total domestic deposits to total assets | 83.8550% | 3,483 |
| Equity capital to assets | 11.4225% | 2,229 |
| Core capital (leverage) ratio | 11.3444% | 2,041 |
| Tier 1 risk-based capital ratio | 14.1697% | 3,368 |
| Total risk-based capital ratio | 15.4224% | 3,292 |
| Memoranda: | ||
| Average total assets | $1,057,395,800 | 683 |
| Average earning assets | $1,003,176,600 | 660 |
| Average equity | $128,337,800 | 625 |
| Average total loans | $730,922,400 | 687 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8589% | 3,737 |
| Cost of funding earning assets | 0.4940% | 2,136 |
| Net interest margin | 3.3649% | 3,970 |
| Noninterest income to average assets | 1.9188% | 366 |
| Noninterest expense to average assets | 3.6987% | 847 |
| Loan and lease loss provision to assets | 0.8688% | 121 |
| Net operating income to assets | 0.3559% | 5,150 |
| Return on assets (ROA) | 0.4048% | 5,099 |
| Pretax return on assets | 0.6182% | 4,833 |
| Return on Equity (ROE) | 3.2888% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.2888% | 3,933 |
| Net charge-offs to loans | 1.2626% | 124 |
| Credit loss provision to net charge-offs | 100.1008% | 2,351 |
| Earnings coverage of net charge-offs (x) | 1.6267% | 3,671 |
| Efficiency ratio | 71.3388% | 2,678 |
| Assets per employee ($millions) | 3.6610% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 1,274 |
| Loan loss allowance to noncurrent loans | 88.7860% | 3,859 |
| Noncurrent assets plus other real estate owned to assets | 1.7887% | 924 |
| Noncurrent loans to loans | 1.8858% | 1,067 |
| Net loans and leases to total assets | 67.1663% | 2,929 |
| Net loans and leases to deposits | 80.6351% | 2,891 |
| Net loans and leases to core deposits | 87.2103% | 2,831 |
| Total domestic deposits to total assets | 83.2967% | 3,486 |
| Equity capital to assets | 12.7759% | 1,606 |
| Core capital (leverage) ratio | 12.2586% | 1,507 |
| Tier 1 risk-based capital ratio | 15.5812% | 2,799 |
| Total risk-based capital ratio | 16.8361% | 2,733 |
| Memoranda: | ||
| Average total assets | $1,066,548,750 | 676 |
| Average earning assets | $1,011,673,750 | 652 |
| Average equity | $131,272,500 | 611 |
| Average total loans | $733,176,750 | 681 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 3,607 |
| Cost of funding earning assets | 0.4901% | 2,187 |
| Net interest margin | 3.4106% | 3,849 |
| Noninterest income to average assets | 1.7542% | 416 |
| Noninterest expense to average assets | 3.5169% | 1,137 |
| Loan and lease loss provision to assets | 0.3533% | 463 |
| Net operating income to assets | 0.7101% | 3,741 |
| Return on assets (ROA) | 0.7442% | 3,735 |
| Pretax return on assets | 1.1723% | 2,891 |
| Return on Equity (ROE) | 6.1215% | 3,990 |
| Retained earnings to average equity (ytd only) | 6.1215% | 2,058 |
| Net charge-offs to loans | 0.1193% | 1,639 |
| Credit loss provision to net charge-offs | 429.8643% | 739 |
| Earnings coverage of net charge-offs (x) | 17.9118% | 1,854 |
| Efficiency ratio | 69.4398% | 3,067 |
| Assets per employee ($millions) | 4.1610% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8701% | 943 |
| Loan loss allowance to noncurrent loans | 85.6034% | 3,997 |
| Noncurrent assets plus other real estate owned to assets | 2.0491% | 792 |
| Noncurrent loans to loans | 2.1846% | 863 |
| Net loans and leases to total assets | 66.2464% | 3,048 |
| Net loans and leases to deposits | 79.4813% | 3,002 |
| Net loans and leases to core deposits | 86.0293% | 2,896 |
| Total domestic deposits to total assets | 83.3484% | 3,524 |
| Equity capital to assets | 12.7112% | 1,654 |
| Core capital (leverage) ratio | 12.0712% | 1,581 |
| Tier 1 risk-based capital ratio | 15.4174% | 2,896 |
| Total risk-based capital ratio | 16.6732% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,075,488,670 | 670 |
| Average earning assets | $1,020,105,670 | 645 |
| Average equity | $130,751,670 | 617 |
| Average total loans | $740,822,330 | 672 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 3,682 |
| Cost of funding earning assets | 0.4760% | 2,316 |
| Net interest margin | 3.3989% | 3,871 |
| Noninterest income to average assets | 1.5126% | 497 |
| Noninterest expense to average assets | 3.3120% | 1,570 |
| Loan and lease loss provision to assets | 0.3134% | 493 |
| Net operating income to assets | 0.7039% | 3,691 |
| Return on assets (ROA) | 0.7327% | 3,678 |
| Pretax return on assets | 1.1549% | 2,870 |
| Return on Equity (ROE) | 6.1633% | 3,897 |
| Retained earnings to average equity (ytd only) | 6.1633% | 2,299 |
| Net charge-offs to loans | -0.0387% | 5,194 |
| Credit loss provision to net charge-offs | -1,164.3836% | 4,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8444% | 3,319 |
| Assets per employee ($millions) | 4.1821% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 1,287 |
| Loan loss allowance to noncurrent loans | 82.5470% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 2.0116% | 860 |
| Noncurrent loans to loans | 2.0946% | 1,005 |
| Net loans and leases to total assets | 66.4373% | 2,885 |
| Net loans and leases to deposits | 78.6593% | 2,926 |
| Net loans and leases to core deposits | 86.2809% | 2,724 |
| Total domestic deposits to total assets | 84.4622% | 3,328 |
| Equity capital to assets | 11.9633% | 2,053 |
| Core capital (leverage) ratio | 11.7516% | 1,792 |
| Tier 1 risk-based capital ratio | 14.4696% | 3,406 |
| Total risk-based capital ratio | 15.7242% | 3,342 |
| Memoranda: | ||
| Average total assets | $1,084,789,000 | 665 |
| Average earning assets | $1,028,559,500 | 639 |
| Average equity | $128,956,000 | 621 |
| Average total loans | $754,487,000 | 662 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,141 |
| Cost of funding earning assets | 0.4747% | 2,399 |
| Net interest margin | 3.5695% | 3,243 |
| Noninterest income to average assets | 1.8288% | 404 |
| Noninterest expense to average assets | 3.4913% | 1,301 |
| Loan and lease loss provision to assets | 1.0436% | 82 |
| Net operating income to assets | 0.4381% | 4,926 |
| Return on assets (ROA) | 0.4566% | 4,943 |
| Pretax return on assets | 0.7135% | 4,490 |
| Return on Equity (ROE) | 4.0057% | 4,943 |
| Retained earnings to average equity (ytd only) | 4.0057% | 3,175 |
| Net charge-offs to loans | 1.7413% | 80 |
| Credit loss provision to net charge-offs | 86.0527% | 2,831 |
| Earnings coverage of net charge-offs (x) | 1.4250% | 4,088 |
| Efficiency ratio | 65.8317% | 3,931 |
| Assets per employee ($millions) | 3.7168% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4632% | 419 |
| Loan loss allowance to noncurrent loans | 72.4775% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 2.7707% | 514 |
| Noncurrent loans to loans | 3.3985% | 424 |
| Net loans and leases to total assets | 70.4120% | 2,304 |
| Net loans and leases to deposits | 84.1488% | 2,343 |
| Net loans and leases to core deposits | 93.6539% | 2,078 |
| Total domestic deposits to total assets | 83.6756% | 3,599 |
| Equity capital to assets | 11.8075% | 2,103 |
| Core capital (leverage) ratio | 11.5201% | 1,949 |
| Tier 1 risk-based capital ratio | 13.9984% | 3,718 |
| Total risk-based capital ratio | 15.2594% | 3,633 |
| Memoranda: | ||
| Average total assets | $1,106,782,200 | 636 |
| Average earning assets | $1,051,303,000 | 617 |
| Average equity | $126,170,000 | 603 |
| Average total loans | $770,782,600 | 602 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0800% | 3,026 |
| Cost of funding earning assets | 0.4791% | 2,418 |
| Net interest margin | 3.6009% | 3,159 |
| Noninterest income to average assets | 1.9288% | 380 |
| Noninterest expense to average assets | 3.5138% | 1,259 |
| Loan and lease loss provision to assets | 1.2018% | 52 |
| Net operating income to assets | 0.4063% | 5,145 |
| Return on assets (ROA) | 0.4240% | 5,161 |
| Pretax return on assets | 0.6618% | 4,802 |
| Return on Equity (ROE) | 3.7521% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.7521% | 3,802 |
| Net charge-offs to loans | 2.2029% | 51 |
| Credit loss provision to net charge-offs | 79.0343% | 2,626 |
| Earnings coverage of net charge-offs (x) | 1.2073% | 3,866 |
| Efficiency ratio | 64.6295% | 4,132 |
| Assets per employee ($millions) | 3.7006% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5465% | 408 |
| Loan loss allowance to noncurrent loans | 109.5905% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 1.8983% | 1,099 |
| Noncurrent loans to loans | 2.3237% | 912 |
| Net loans and leases to total assets | 64.6104% | 3,211 |
| Net loans and leases to deposits | 75.7837% | 3,328 |
| Net loans and leases to core deposits | 84.2442% | 3,019 |
| Total domestic deposits to total assets | 85.2563% | 2,907 |
| Equity capital to assets | 11.7091% | 2,339 |
| Core capital (leverage) ratio | 11.5008% | 2,039 |
| Tier 1 risk-based capital ratio | 14.8637% | 3,361 |
| Total risk-based capital ratio | 16.1251% | 3,304 |
| Memoranda: | ||
| Average total assets | $1,114,941,500 | 637 |
| Average earning assets | $1,059,196,750 | 609 |
| Average equity | $126,005,000 | 606 |
| Average total loans | $769,621,500 | 605 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1854% | 2,600 |
| Cost of funding earning assets | 0.4852% | 2,388 |
| Net interest margin | 3.7002% | 2,707 |
| Noninterest income to average assets | 1.8513% | 415 |
| Noninterest expense to average assets | 3.4255% | 1,428 |
| Loan and lease loss provision to assets | 0.3733% | 341 |
| Net operating income to assets | 0.9616% | 2,578 |
| Return on assets (ROA) | 0.9586% | 2,708 |
| Pretax return on assets | 1.5603% | 1,455 |
| Return on Equity (ROE) | 8.5817% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.5817% | 1,050 |
| Net charge-offs to loans | 0.7982% | 274 |
| Credit loss provision to net charge-offs | 66.9003% | 2,505 |
| Earnings coverage of net charge-offs (x) | 3.4737% | 3,190 |
| Efficiency ratio | 62.7705% | 4,551 |
| Assets per employee ($millions) | 3.7163% | 4,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6258% | 415 |
| Loan loss allowance to noncurrent loans | 268.5302% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 2,439 |
| Noncurrent loans to loans | 0.9779% | 2,689 |
| Net loans and leases to total assets | 67.1971% | 2,770 |
| Net loans and leases to deposits | 79.0528% | 2,900 |
| Net loans and leases to core deposits | 87.9297% | 2,559 |
| Total domestic deposits to total assets | 85.0029% | 3,121 |
| Equity capital to assets | 11.6289% | 2,312 |
| Core capital (leverage) ratio | 11.4600% | 2,027 |
| Tier 1 risk-based capital ratio | 14.5253% | 3,621 |
| Total risk-based capital ratio | 15.7881% | 3,544 |
| Memoranda: | ||
| Average total assets | $1,125,160,000 | 632 |
| Average earning assets | $1,068,047,670 | 608 |
| Average equity | $125,686,670 | 610 |
| Average total loans | $786,539,670 | 596 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3364% | 1,979 |
| Cost of funding earning assets | 0.4883% | 2,394 |
| Net interest margin | 3.8481% | 2,077 |
| Noninterest income to average assets | 1.5465% | 515 |
| Noninterest expense to average assets | 3.3340% | 1,641 |
| Loan and lease loss provision to assets | 0.3690% | 336 |
| Net operating income to assets | 0.9225% | 2,639 |
| Return on assets (ROA) | 0.9166% | 2,789 |
| Pretax return on assets | 1.4930% | 1,590 |
| Return on Equity (ROE) | 8.3744% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.3744% | 1,424 |
| Net charge-offs to loans | 1.0767% | 218 |
| Credit loss provision to net charge-offs | 48.7465% | 2,117 |
| Earnings coverage of net charge-offs (x) | 2.4717% | 2,746 |
| Efficiency ratio | 62.7887% | 4,656 |
| Assets per employee ($millions) | 3.9724% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4979% | 532 |
| Loan loss allowance to noncurrent loans | 182.8624% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.2814% | 2,075 |
| Noncurrent loans to loans | 1.3660% | 2,106 |
| Net loans and leases to total assets | 68.7431% | 2,325 |
| Net loans and leases to deposits | 81.2738% | 2,415 |
| Net loans and leases to core deposits | 91.0416% | 2,027 |
| Total domestic deposits to total assets | 84.5821% | 3,589 |
| Equity capital to assets | 11.2108% | 2,741 |
| Core capital (leverage) ratio | 10.6249% | 2,824 |
| Tier 1 risk-based capital ratio | 13.3844% | 4,381 |
| Total risk-based capital ratio | 14.6461% | 4,291 |
| Memoranda: | ||
| Average total assets | $1,138,079,000 | 619 |
| Average earning assets | $1,082,091,500 | 593 |
| Average equity | $124,570,500 | 613 |
| Average total loans | $800,254,000 | 578 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1468% | 3,137 |
| Cost of funding earning assets | 0.5372% | 2,313 |
| Net interest margin | 3.6095% | 3,379 |
| Noninterest income to average assets | 1.8612% | 381 |
| Noninterest expense to average assets | 3.6257% | 1,257 |
| Loan and lease loss provision to assets | 0.5788% | 245 |
| Net operating income to assets | 0.6491% | 4,150 |
| Return on assets (ROA) | 0.7069% | 3,973 |
| Pretax return on assets | 1.1356% | 2,947 |
| Return on Equity (ROE) | 6.4453% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.4453% | 1,682 |
| Net charge-offs to loans | 0.4060% | 1,058 |
| Credit loss provision to net charge-offs | 213.8387% | 1,158 |
| Earnings coverage of net charge-offs (x) | 6.0003% | 3,297 |
| Efficiency ratio | 67.6257% | 3,958 |
| Assets per employee ($millions) | 4.0140% | 3,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6049% | 484 |
| Loan loss allowance to noncurrent loans | 125.1761% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.8747% | 1,375 |
| Noncurrent loans to loans | 2.0810% | 1,310 |
| Net loans and leases to total assets | 68.3047% | 2,513 |
| Net loans and leases to deposits | 80.1104% | 2,694 |
| Net loans and leases to core deposits | 92.6737% | 2,025 |
| Total domestic deposits to total assets | 85.2631% | 3,181 |
| Equity capital to assets | 10.6851% | 3,255 |
| Core capital (leverage) ratio | 10.3746% | 3,083 |
| Tier 1 risk-based capital ratio | 13.1683% | 4,610 |
| Total risk-based capital ratio | 14.4322% | 4,530 |
| Memoranda: | ||
| Average total assets | $1,062,629,800 | 634 |
| Average earning assets | $997,550,000 | 609 |
| Average equity | $116,550,800 | 622 |
| Average total loans | $708,418,600 | 615 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 3,144 |
| Cost of funding earning assets | 0.5530% | 2,261 |
| Net interest margin | 3.6036% | 3,412 |
| Noninterest income to average assets | 1.7309% | 434 |
| Noninterest expense to average assets | 3.6612% | 1,189 |
| Loan and lease loss provision to assets | 0.5506% | 261 |
| Net operating income to assets | 0.5603% | 4,631 |
| Return on assets (ROA) | 0.6378% | 4,369 |
| Pretax return on assets | 1.0127% | 3,544 |
| Return on Equity (ROE) | 5.7738% | 4,350 |
| Retained earnings to average equity (ytd only) | 5.7738% | 2,552 |
| Net charge-offs to loans | 0.2346% | 1,642 |
| Credit loss provision to net charge-offs | 357.1429% | 790 |
| Earnings coverage of net charge-offs (x) | 9.3547% | 2,683 |
| Efficiency ratio | 70.2303% | 3,473 |
| Assets per employee ($millions) | 3.6021% | 4,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6379% | 538 |
| Loan loss allowance to noncurrent loans | 104.5555% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 2.4977% | 1,056 |
| Noncurrent loans to loans | 2.5229% | 1,156 |
| Net loans and leases to total assets | 69.8592% | 2,219 |
| Net loans and leases to deposits | 78.8469% | 2,859 |
| Net loans and leases to core deposits | 89.1302% | 2,310 |
| Total domestic deposits to total assets | 88.6011% | 1,450 |
| Equity capital to assets | 10.8123% | 3,163 |
| Core capital (leverage) ratio | 10.3275% | 3,250 |
| Tier 1 risk-based capital ratio | 12.9636% | 4,889 |
| Total risk-based capital ratio | 14.2285% | 4,795 |
| Memoranda: | ||
| Average total assets | $1,041,286,000 | 643 |
| Average earning assets | $974,489,750 | 616 |
| Average equity | $115,022,000 | 626 |
| Average total loans | $684,245,000 | 630 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 2,982 |
| Cost of funding earning assets | 0.5628% | 2,235 |
| Net interest margin | 3.6281% | 3,243 |
| Noninterest income to average assets | 1.6946% | 448 |
| Noninterest expense to average assets | 3.6833% | 1,170 |
| Loan and lease loss provision to assets | 0.5870% | 240 |
| Net operating income to assets | 0.5110% | 4,763 |
| Return on assets (ROA) | 0.5874% | 4,514 |
| Pretax return on assets | 0.9288% | 3,769 |
| Return on Equity (ROE) | 5.2775% | 4,542 |
| Retained earnings to average equity (ytd only) | 5.2775% | 2,781 |
| Net charge-offs to loans | 0.4215% | 971 |
| Credit loss provision to net charge-offs | 219.1381% | 1,086 |
| Earnings coverage of net charge-offs (x) | 5.2133% | 2,964 |
| Efficiency ratio | 70.9691% | 3,501 |
| Assets per employee ($millions) | 3.4283% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7115% | 528 |
| Loan loss allowance to noncurrent loans | 63.5990% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.5139% | 661 |
| Noncurrent loans to loans | 4.2634% | 532 |
| Net loans and leases to total assets | 66.5439% | 2,667 |
| Net loans and leases to deposits | 77.3090% | 2,888 |
| Net loans and leases to core deposits | 84.4739% | 2,690 |
| Total domestic deposits to total assets | 86.0752% | 3,001 |
| Equity capital to assets | 11.2757% | 2,635 |
| Core capital (leverage) ratio | 10.5121% | 2,933 |
| Tier 1 risk-based capital ratio | 13.0396% | 4,882 |
| Total risk-based capital ratio | 14.3036% | 4,807 |
| Memoranda: | ||
| Average total assets | $1,022,172,000 | 655 |
| Average earning assets | $953,726,670 | 634 |
| Average equity | $113,767,000 | 626 |
| Average total loans | $649,564,330 | 660 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9804% | 3,768 |
| Cost of funding earning assets | 0.5750% | 2,199 |
| Net interest margin | 3.4053% | 4,091 |
| Noninterest income to average assets | 1.6353% | 460 |
| Noninterest expense to average assets | 3.6437% | 1,226 |
| Loan and lease loss provision to assets | 0.5928% | 225 |
| Net operating income to assets | 0.3665% | 5,249 |
| Return on assets (ROA) | 0.4715% | 4,911 |
| Pretax return on assets | 0.7363% | 4,368 |
| Return on Equity (ROE) | 4.2648% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.2648% | 3,563 |
| Net charge-offs to loans | 0.7043% | 508 |
| Credit loss provision to net charge-offs | 137.8676% | 1,323 |
| Earnings coverage of net charge-offs (x) | 2.7096% | 2,816 |
| Efficiency ratio | 74.1289% | 3,117 |
| Assets per employee ($millions) | 3.4061% | 5,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8609% | 503 |
| Loan loss allowance to noncurrent loans | 62.3108% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 3.6136% | 711 |
| Noncurrent loans to loans | 4.5914% | 513 |
| Net loans and leases to total assets | 60.9896% | 3,397 |
| Net loans and leases to deposits | 69.1472% | 3,717 |
| Net loans and leases to core deposits | 75.6814% | 3,444 |
| Total domestic deposits to total assets | 88.2026% | 2,109 |
| Equity capital to assets | 11.2477% | 2,483 |
| Core capital (leverage) ratio | 10.2754% | 3,193 |
| Tier 1 risk-based capital ratio | 13.9924% | 4,337 |
| Total risk-based capital ratio | 15.2573% | 4,270 |
| Memoranda: | ||
| Average total assets | $1,012,156,000 | 666 |
| Average earning assets | $943,229,000 | 644 |
| Average equity | $111,892,500 | 636 |
| Average total loans | $617,920,500 | 699 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9382% | 4,326 |
| Cost of funding earning assets | 0.6377% | 2,314 |
| Net interest margin | 3.3005% | 4,661 |
| Noninterest income to average assets | 1.7909% | 467 |
| Noninterest expense to average assets | 3.5072% | 1,631 |
| Loan and lease loss provision to assets | 0.8629% | 234 |
| Net operating income to assets | 1.3518% | 1,130 |
| Return on assets (ROA) | 1.4853% | 895 |
| Pretax return on assets | 0.6178% | 4,812 |
| Return on Equity (ROE) | 15.8924% | 633 |
| Retained earnings to average equity (ytd only) | 15.8924% | 150 |
| Net charge-offs to loans | 2.2534% | 144 |
| Credit loss provision to net charge-offs | 62.8579% | 3,478 |
| Earnings coverage of net charge-offs (x) | 0.9814% | 4,754 |
| Efficiency ratio | 71.0426% | 3,662 |
| Assets per employee ($millions) | 3.6551% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9358% | 511 |
| Loan loss allowance to noncurrent loans | 41.4862% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 5.2305% | 437 |
| Noncurrent loans to loans | 7.0766% | 234 |
| Net loans and leases to total assets | 57.5858% | 4,103 |
| Net loans and leases to deposits | 65.2874% | 4,382 |
| Net loans and leases to core deposits | 71.7781% | 4,099 |
| Total domestic deposits to total assets | 88.2034% | 2,054 |
| Equity capital to assets | 10.8635% | 2,746 |
| Core capital (leverage) ratio | 10.0116% | 3,557 |
| Tier 1 risk-based capital ratio | 14.2271% | 4,132 |
| Total risk-based capital ratio | 15.4924% | 4,066 |
| Memoranda: | ||
| Average total assets | $1,043,023,400 | 629 |
| Average earning assets | $968,158,000 | 615 |
| Average equity | $97,480,400 | 725 |
| Average total loans | $635,390,000 | 660 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 4,370 |
| Cost of funding earning assets | 0.6490% | 2,366 |
| Net interest margin | 3.2857% | 4,694 |
| Noninterest income to average assets | 2.0310% | 411 |
| Noninterest expense to average assets | 3.5444% | 1,514 |
| Loan and lease loss provision to assets | 0.8573% | 210 |
| Net operating income to assets | 0.7156% | 3,781 |
| Return on assets (ROA) | 0.8835% | 3,030 |
| Pretax return on assets | 0.8445% | 4,120 |
| Return on Equity (ROE) | 9.8398% | 2,250 |
| Retained earnings to average equity (ytd only) | 9.8398% | 824 |
| Net charge-offs to loans | 1.4965% | 313 |
| Credit loss provision to net charge-offs | 93.4515% | 2,549 |
| Earnings coverage of net charge-offs (x) | 1.6720% | 4,282 |
| Efficiency ratio | 68.8142% | 3,945 |
| Assets per employee ($millions) | 4.0122% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7490% | 278 |
| Loan loss allowance to noncurrent loans | 46.0484% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 5.7226% | 438 |
| Noncurrent loans to loans | 8.1414% | 214 |
| Net loans and leases to total assets | 55.6950% | 4,364 |
| Net loans and leases to deposits | 62.7076% | 4,671 |
| Net loans and leases to core deposits | 68.6582% | 4,472 |
| Total domestic deposits to total assets | 88.8169% | 1,659 |
| Equity capital to assets | 9.9477% | 3,971 |
| Core capital (leverage) ratio | 9.6930% | 4,114 |
| Tier 1 risk-based capital ratio | 14.5804% | 4,029 |
| Total risk-based capital ratio | 15.8553% | 3,960 |
| Memoranda: | ||
| Average total assets | $1,049,752,000 | 627 |
| Average earning assets | $973,572,500 | 617 |
| Average equity | $94,254,250 | 749 |
| Average total loans | $643,529,500 | 654 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 4,314 |
| Cost of funding earning assets | 0.6605% | 2,398 |
| Net interest margin | 3.2820% | 4,644 |
| Noninterest income to average assets | 1.7500% | 545 |
| Noninterest expense to average assets | 3.6211% | 1,378 |
| Loan and lease loss provision to assets | 0.8545% | 241 |
| Net operating income to assets | 0.4001% | 5,216 |
| Return on assets (ROA) | 0.6576% | 4,192 |
| Pretax return on assets | 0.5655% | 5,146 |
| Return on Equity (ROE) | 7.5931% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.5931% | 1,628 |
| Net charge-offs to loans | 1.7655% | 271 |
| Credit loss provision to net charge-offs | 77.5194% | 2,675 |
| Earnings coverage of net charge-offs (x) | 1.0546% | 4,182 |
| Efficiency ratio | 74.6626% | 3,000 |
| Assets per employee ($millions) | 3.9316% | 3,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4218% | 397 |
| Loan loss allowance to noncurrent loans | 42.3464% | 5,524 |
| Noncurrent assets plus other real estate owned to assets | 6.3187% | 416 |
| Noncurrent loans to loans | 8.0805% | 251 |
| Net loans and leases to total assets | 59.2621% | 3,787 |
| Net loans and leases to deposits | 67.1380% | 4,128 |
| Net loans and leases to core deposits | 73.9390% | 3,818 |
| Total domestic deposits to total assets | 88.2692% | 2,063 |
| Equity capital to assets | 9.7124% | 4,292 |
| Core capital (leverage) ratio | 9.6114% | 4,063 |
| Tier 1 risk-based capital ratio | 14.0948% | 4,359 |
| Total risk-based capital ratio | 15.3682% | 4,307 |
| Memoranda: | ||
| Average total assets | $1,053,279,670 | 630 |
| Average earning assets | $973,559,670 | 620 |
| Average equity | $91,214,670 | 777 |
| Average total loans | $657,603,330 | 636 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9423% | 4,319 |
| Cost of funding earning assets | 0.6882% | 2,319 |
| Net interest margin | 3.2541% | 4,715 |
| Noninterest income to average assets | 1.9095% | 456 |
| Noninterest expense to average assets | 3.6902% | 1,260 |
| Loan and lease loss provision to assets | 0.8467% | 251 |
| Net operating income to assets | 0.3440% | 5,383 |
| Return on assets (ROA) | 0.6748% | 3,978 |
| Pretax return on assets | 0.7282% | 4,451 |
| Return on Equity (ROE) | 8.2810% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.2810% | 1,651 |
| Net charge-offs to loans | 0.6522% | 939 |
| Credit loss provision to net charge-offs | 206.2328% | 1,060 |
| Earnings coverage of net charge-offs (x) | 2.9698% | 2,886 |
| Efficiency ratio | 74.1607% | 3,238 |
| Assets per employee ($millions) | 4.0704% | 3,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6675% | 370 |
| Loan loss allowance to noncurrent loans | 31.8902% | 5,952 |
| Noncurrent assets plus other real estate owned to assets | 10.0022% | 191 |
| Noncurrent loans to loans | 11.5005% | 150 |
| Net loans and leases to total assets | 61.4182% | 3,187 |
| Net loans and leases to deposits | 69.2987% | 3,601 |
| Net loans and leases to core deposits | 76.6193% | 3,243 |
| Total domestic deposits to total assets | 88.6282% | 1,912 |
| Equity capital to assets | 10.1146% | 3,995 |
| Core capital (leverage) ratio | 9.2958% | 4,404 |
| Tier 1 risk-based capital ratio | 13.5423% | 4,840 |
| Total risk-based capital ratio | 14.8182% | 4,778 |
| Memoranda: | ||
| Average total assets | $1,062,910,500 | 629 |
| Average earning assets | $979,925,500 | 621 |
| Average equity | $86,608,000 | 828 |
| Average total loans | $669,159,000 | 628 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 3,073 |
| Cost of funding earning assets | 0.9064% | 1,903 |
| Net interest margin | 3.6756% | 3,762 |
| Noninterest income to average assets | 0.9861% | 1,567 |
| Noninterest expense to average assets | 6.3329% | 197 |
| Loan and lease loss provision to assets | 1.6751% | 164 |
| Net operating income to assets | -3.6129% | 7,032 |
| Return on assets (ROA) | -3.4045% | 7,029 |
| Pretax return on assets | -3.4797% | 7,032 |
| Return on Equity (ROE) | -43.1080% | 7,007 |
| Retained earnings to average equity (ytd only) | -43.1080% | 7,000 |
| Net charge-offs to loans | 3.1076% | 152 |
| Credit loss provision to net charge-offs | 86.9103% | 3,593 |
| Earnings coverage of net charge-offs (x) | -1.0466% | 5,761 |
| Efficiency ratio | 74.4960% | 2,988 |
| Assets per employee ($millions) | 4.4030% | 3,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3889% | 477 |
| Loan loss allowance to noncurrent loans | 29.2437% | 6,091 |
| Noncurrent assets plus other real estate owned to assets | 10.1274% | 214 |
| Noncurrent loans to loans | 11.5885% | 162 |
| Net loans and leases to total assets | 60.0890% | 3,591 |
| Net loans and leases to deposits | 65.1950% | 4,391 |
| Net loans and leases to core deposits | 73.2076% | 3,891 |
| Total domestic deposits to total assets | 92.1681% | 215 |
| Equity capital to assets | 6.2864% | 6,865 |
| Core capital (leverage) ratio | 5.3727% | 6,905 |
| Tier 1 risk-based capital ratio | 7.9308% | 6,916 |
| Total risk-based capital ratio | 9.2036% | 6,917 |
| Memoranda: | ||
| Average total assets | $1,172,474,000 | 564 |
| Average earning assets | $1,062,096,800 | 551 |
| Average equity | $92,597,600 | 758 |
| Average total loans | $727,185,200 | 568 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 2,858 |
| Cost of funding earning assets | 0.9388% | 1,928 |
| Net interest margin | 3.7468% | 3,572 |
| Noninterest income to average assets | 1.1622% | 1,131 |
| Noninterest expense to average assets | 7.1475% | 138 |
| Loan and lease loss provision to assets | 1.4634% | 220 |
| Net operating income to assets | -3.9631% | 7,137 |
| Return on assets (ROA) | -3.8083% | 7,138 |
| Pretax return on assets | -3.9079% | 7,138 |
| Return on Equity (ROE) | -46.0689% | 7,111 |
| Retained earnings to average equity (ytd only) | -46.0689% | 7,105 |
| Net charge-offs to loans | 3.2460% | 154 |
| Credit loss provision to net charge-offs | 72.7384% | 3,829 |
| Earnings coverage of net charge-offs (x) | -1.2943% | 5,605 |
| Efficiency ratio | 67.6845% | 4,136 |
| Assets per employee ($millions) | 4.7869% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9199% | 785 |
| Loan loss allowance to noncurrent loans | 25.1763% | 6,338 |
| Noncurrent assets plus other real estate owned to assets | 10.3170% | 228 |
| Noncurrent loans to loans | 11.5979% | 183 |
| Net loans and leases to total assets | 62.5342% | 3,294 |
| Net loans and leases to deposits | 67.9023% | 4,197 |
| Net loans and leases to core deposits | 76.5072% | 3,670 |
| Total domestic deposits to total assets | 92.0944% | 198 |
| Equity capital to assets | 6.5609% | 6,935 |
| Core capital (leverage) ratio | 5.4783% | 6,981 |
| Tier 1 risk-based capital ratio | 7.7834% | 7,005 |
| Total risk-based capital ratio | 9.0505% | 7,007 |
| Memoranda: | ||
| Average total assets | $1,192,605,500 | 553 |
| Average earning assets | $1,076,232,000 | 555 |
| Average equity | $98,586,000 | 722 |
| Average total loans | $739,192,250 | 556 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 2,883 |
| Cost of funding earning assets | 0.9089% | 2,326 |
| Net interest margin | 3.7980% | 3,373 |
| Noninterest income to average assets | 1.2262% | 951 |
| Noninterest expense to average assets | 3.0344% | 3,139 |
| Loan and lease loss provision to assets | 1.0520% | 413 |
| Net operating income to assets | 0.3574% | 5,392 |
| Return on assets (ROA) | 0.4742% | 5,183 |
| Pretax return on assets | 0.7255% | 4,753 |
| Return on Equity (ROE) | 5.3950% | 4,630 |
| Retained earnings to average equity (ytd only) | 5.3950% | 3,050 |
| Net charge-offs to loans | 1.5427% | 628 |
| Credit loss provision to net charge-offs | 111.3624% | 2,440 |
| Earnings coverage of net charge-offs (x) | 1.6915% | 4,140 |
| Efficiency ratio | 64.6370% | 4,778 |
| Assets per employee ($millions) | 5.3447% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6672% | 440 |
| Loan loss allowance to noncurrent loans | 26.6446% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 10.4809% | 240 |
| Noncurrent loans to loans | 13.7633% | 126 |
| Net loans and leases to total assets | 57.6521% | 4,225 |
| Net loans and leases to deposits | 65.5754% | 4,558 |
| Net loans and leases to core deposits | 74.2314% | 3,995 |
| Total domestic deposits to total assets | 87.9172% | 2,191 |
| Equity capital to assets | 8.9661% | 5,732 |
| Core capital (leverage) ratio | 5.4760% | 7,031 |
| Tier 1 risk-based capital ratio | 7.5657% | 7,059 |
| Total risk-based capital ratio | 8.8397% | 7,062 |
| Memoranda: | ||
| Average total assets | $1,216,765,000 | 544 |
| Average earning assets | $1,091,218,000 | 548 |
| Average equity | $106,951,330 | 662 |
| Average total loans | $745,079,670 | 550 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 2,709 |
| Cost of funding earning assets | 0.8864% | 2,789 |
| Net interest margin | 3.8947% | 2,951 |
| Noninterest income to average assets | 1.2425% | 920 |
| Noninterest expense to average assets | 3.0125% | 3,195 |
| Loan and lease loss provision to assets | 1.2638% | 293 |
| Net operating income to assets | 0.3028% | 5,647 |
| Return on assets (ROA) | 0.3851% | 5,502 |
| Pretax return on assets | 0.5751% | 5,204 |
| Return on Equity (ROE) | 4.4249% | 5,083 |
| Retained earnings to average equity (ytd only) | 4.4249% | 3,943 |
| Net charge-offs to loans | 0.9144% | 1,121 |
| Credit loss provision to net charge-offs | 223.1884% | 1,249 |
| Earnings coverage of net charge-offs (x) | 3.0307% | 2,980 |
| Efficiency ratio | 62.8601% | 5,126 |
| Assets per employee ($millions) | 5.6140% | 1,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8032% | 433 |
| Loan loss allowance to noncurrent loans | 26.8684% | 6,307 |
| Noncurrent assets plus other real estate owned to assets | 11.1319% | 239 |
| Noncurrent loans to loans | 14.1548% | 142 |
| Net loans and leases to total assets | 59.1590% | 3,829 |
| Net loans and leases to deposits | 67.1482% | 4,204 |
| Net loans and leases to core deposits | 76.1468% | 3,598 |
| Total domestic deposits to total assets | 88.1021% | 2,251 |
| Equity capital to assets | 8.8664% | 5,676 |
| Core capital (leverage) ratio | 5.2316% | 7,097 |
| Tier 1 risk-based capital ratio | 7.1370% | 7,122 |
| Total risk-based capital ratio | 8.4077% | 7,125 |
| Memoranda: | ||
| Average total assets | $1,218,523,000 | 544 |
| Average earning assets | $1,090,707,000 | 553 |
| Average equity | $106,036,500 | 665 |
| Average total loans | $754,574,500 | 535 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 3,169 |
| Cost of funding earning assets | 1.2805% | 1,576 |
| Net interest margin | 3.6567% | 4,489 |
| Noninterest income to average assets | 1.3788% | 673 |
| Noninterest expense to average assets | 2.3573% | 5,890 |
| Loan and lease loss provision to assets | 6.2377% | 12 |
| Net operating income to assets | -3.9344% | 7,249 |
| Return on assets (ROA) | -3.8752% | 7,254 |
| Pretax return on assets | -3.8752% | 7,263 |
| Return on Equity (ROE) | -33.1823% | 7,115 |
| Retained earnings to average equity (ytd only) | -33.1823% | 7,109 |
| Net charge-offs to loans | 9.2505% | 12 |
| Credit loss provision to net charge-offs | 106.2752% | 3,201 |
| Earnings coverage of net charge-offs (x) | 0.3924% | 5,524 |
| Efficiency ratio | 49.7833% | 6,849 |
| Assets per employee ($millions) | 6.5726% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3719% | 583 |
| Loan loss allowance to noncurrent loans | 27.9341% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 10.0701% | 329 |
| Noncurrent loans to loans | 12.0708% | 218 |
| Net loans and leases to total assets | 60.2389% | 3,947 |
| Net loans and leases to deposits | 68.2127% | 4,409 |
| Net loans and leases to core deposits | 77.5859% | 3,734 |
| Total domestic deposits to total assets | 88.3104% | 1,959 |
| Equity capital to assets | 8.5422% | 6,085 |
| Core capital (leverage) ratio | 4.7373% | 7,165 |
| Tier 1 risk-based capital ratio | 6.7827% | 7,169 |
| Total risk-based capital ratio | 8.0536% | 7,172 |
| Memoranda: | ||
| Average total assets | $1,232,909,800 | 532 |
| Average earning assets | $1,106,526,000 | 532 |
| Average equity | $143,986,600 | 484 |
| Average total loans | $782,274,400 | 521 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8411% | 3,828 |
| Cost of funding earning assets | 1.3765% | 1,332 |
| Net interest margin | 3.4647% | 5,339 |
| Noninterest income to average assets | 0.4917% | 3,934 |
| Noninterest expense to average assets | 2.3243% | 5,968 |
| Loan and lease loss provision to assets | 0.7682% | 1,226 |
| Net operating income to assets | 0.3636% | 5,148 |
| Return on assets (ROA) | 0.4146% | 5,124 |
| Pretax return on assets | 0.5827% | 4,876 |
| Return on Equity (ROE) | 3.3264% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.3264% | 4,356 |
| Net charge-offs to loans | 0.7483% | 2,067 |
| Credit loss provision to net charge-offs | 161.1073% | 1,909 |
| Earnings coverage of net charge-offs (x) | 2.6823% | 3,780 |
| Efficiency ratio | 63.4737% | 5,157 |
| Assets per employee ($millions) | 6.0237% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9667% | 887 |
| Loan loss allowance to noncurrent loans | 22.3586% | 6,612 |
| Noncurrent assets plus other real estate owned to assets | 11.1717% | 279 |
| Noncurrent loans to loans | 13.2687% | 191 |
| Net loans and leases to total assets | 59.5457% | 4,221 |
| Net loans and leases to deposits | 70.6917% | 4,186 |
| Net loans and leases to core deposits | 80.4085% | 3,576 |
| Total domestic deposits to total assets | 84.2330% | 4,124 |
| Equity capital to assets | 11.8475% | 2,378 |
| Core capital (leverage) ratio | 9.5361% | 4,103 |
| Tier 1 risk-based capital ratio | 12.3429% | 5,628 |
| Total risk-based capital ratio | 13.6095% | 5,600 |
| Memoranda: | ||
| Average total assets | $1,232,224,750 | 540 |
| Average earning assets | $1,106,683,750 | 535 |
| Average equity | $153,595,250 | 464 |
| Average total loans | $785,264,000 | 528 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 3,601 |
| Cost of funding earning assets | 1.4396% | 1,235 |
| Net interest margin | 3.4640% | 5,308 |
| Noninterest income to average assets | 0.4479% | 4,300 |
| Noninterest expense to average assets | 2.1836% | 6,423 |
| Loan and lease loss provision to assets | 0.8408% | 1,074 |
| Net operating income to assets | 0.4047% | 4,922 |
| Return on assets (ROA) | 0.4317% | 4,949 |
| Pretax return on assets | 0.5864% | 4,784 |
| Return on Equity (ROE) | 3.4016% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.4016% | 4,096 |
| Net charge-offs to loans | 0.5142% | 2,558 |
| Credit loss provision to net charge-offs | 253.1328% | 1,197 |
| Earnings coverage of net charge-offs (x) | 4.1870% | 2,937 |
| Efficiency ratio | 60.0615% | 5,860 |
| Assets per employee ($millions) | 6.6329% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1984% | 765 |
| Loan loss allowance to noncurrent loans | 20.2754% | 6,715 |
| Noncurrent assets plus other real estate owned to assets | 11.5226% | 284 |
| Noncurrent loans to loans | 15.7749% | 123 |
| Net loans and leases to total assets | 61.3938% | 4,010 |
| Net loans and leases to deposits | 73.8403% | 3,827 |
| Net loans and leases to core deposits | 84.8102% | 3,096 |
| Total domestic deposits to total assets | 83.1439% | 4,697 |
| Equity capital to assets | 12.8924% | 1,574 |
| Core capital (leverage) ratio | 9.9896% | 3,276 |
| Tier 1 risk-based capital ratio | 13.3164% | 4,678 |
| Total risk-based capital ratio | 14.5860% | 4,640 |
| Memoranda: | ||
| Average total assets | $1,201,230,670 | 553 |
| Average earning assets | $1,084,188,000 | 550 |
| Average equity | $152,459,000 | 466 |
| Average total loans | $775,942,000 | 544 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9219% | 3,472 |
| Cost of funding earning assets | 1.5053% | 1,143 |
| Net interest margin | 3.4165% | 5,366 |
| Noninterest income to average assets | 0.4620% | 4,172 |
| Noninterest expense to average assets | 2.1975% | 6,429 |
| Loan and lease loss provision to assets | 0.8346% | 997 |
| Net operating income to assets | 0.3448% | 5,197 |
| Return on assets (ROA) | 0.3896% | 5,085 |
| Pretax return on assets | 0.5825% | 4,750 |
| Return on Equity (ROE) | 3.0940% | 5,322 |
| Retained earnings to average equity (ytd only) | 3.0940% | 4,314 |
| Net charge-offs to loans | 0.3344% | 2,721 |
| Credit loss provision to net charge-offs | 382.8484% | 865 |
| Earnings coverage of net charge-offs (x) | 6.1945% | 2,141 |
| Efficiency ratio | 60.9052% | 5,845 |
| Assets per employee ($millions) | 6.7007% | 845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9888% | 926 |
| Loan loss allowance to noncurrent loans | 21.6796% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 10.3990% | 383 |
| Noncurrent loans to loans | 13.7863% | 191 |
| Net loans and leases to total assets | 63.3527% | 3,573 |
| Net loans and leases to deposits | 76.3232% | 3,367 |
| Net loans and leases to core deposits | 87.0742% | 2,725 |
| Total domestic deposits to total assets | 83.0058% | 4,928 |
| Equity capital to assets | 12.7888% | 1,477 |
| Core capital (leverage) ratio | 9.7596% | 3,433 |
| Tier 1 risk-based capital ratio | 12.9697% | 4,849 |
| Total risk-based capital ratio | 14.2372% | 4,823 |
| Memoranda: | ||
| Average total assets | $1,198,250,500 | 560 |
| Average earning assets | $1,082,274,000 | 558 |
| Average equity | $150,870,500 | 468 |
| Average total loans | $781,099,000 | 549 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1137% | 4,041 |
| Cost of funding earning assets | 1.8260% | 1,072 |
| Net interest margin | 3.2877% | 6,019 |
| Noninterest income to average assets | 0.5016% | 4,150 |
| Noninterest expense to average assets | 2.1982% | 6,620 |
| Loan and lease loss provision to assets | 0.7845% | 2,081 |
| Net operating income to assets | 0.3522% | 4,731 |
| Return on assets (ROA) | 0.4165% | 4,608 |
| Pretax return on assets | 0.5803% | 4,382 |
| Return on Equity (ROE) | 3.4245% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.4245% | 3,468 |
| Net charge-offs to loans | 1.0941% | 2,038 |
| Credit loss provision to net charge-offs | 102.3553% | 4,420 |
| Earnings coverage of net charge-offs (x) | 1.6641% | 4,489 |
| Efficiency ratio | 62.2104% | 5,694 |
| Assets per employee ($millions) | 6.6141% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7363% | 1,132 |
| Loan loss allowance to noncurrent loans | 20.3900% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 10.0436% | 407 |
| Noncurrent loans to loans | 13.4196% | 212 |
| Net loans and leases to total assets | 63.2893% | 4,011 |
| Net loans and leases to deposits | 75.6627% | 3,893 |
| Net loans and leases to core deposits | 88.1413% | 3,033 |
| Total domestic deposits to total assets | 83.6466% | 4,529 |
| Equity capital to assets | 12.3948% | 1,698 |
| Core capital (leverage) ratio | 9.3775% | 3,886 |
| Tier 1 risk-based capital ratio | 12.9139% | 4,672 |
| Total risk-based capital ratio | 14.1792% | 4,631 |
| Memoranda: | ||
| Average total assets | $1,185,421,800 | 566 |
| Average earning assets | $1,071,626,400 | 564 |
| Average equity | $144,166,800 | 479 |
| Average total loans | $830,445,000 | 534 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1213% | 4,213 |
| Cost of funding earning assets | 1.8834% | 1,078 |
| Net interest margin | 3.2379% | 6,219 |
| Noninterest income to average assets | 0.4101% | 4,875 |
| Noninterest expense to average assets | 2.1250% | 6,796 |
| Loan and lease loss provision to assets | 0.7904% | 1,927 |
| Net operating income to assets | 0.2935% | 5,192 |
| Return on assets (ROA) | 0.3766% | 5,043 |
| Pretax return on assets | 0.5394% | 4,796 |
| Return on Equity (ROE) | 3.1115% | 5,181 |
| Retained earnings to average equity (ytd only) | 3.1115% | 4,262 |
| Net charge-offs to loans | 0.9359% | 2,119 |
| Credit loss provision to net charge-offs | 118.4032% | 3,503 |
| Earnings coverage of net charge-offs (x) | 1.8143% | 4,349 |
| Efficiency ratio | 62.5770% | 5,508 |
| Assets per employee ($millions) | 6.8999% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6719% | 1,112 |
| Loan loss allowance to noncurrent loans | 21.7438% | 6,831 |
| Noncurrent assets plus other real estate owned to assets | 9.4552% | 448 |
| Noncurrent loans to loans | 12.2882% | 270 |
| Net loans and leases to total assets | 65.7892% | 3,735 |
| Net loans and leases to deposits | 78.6728% | 3,693 |
| Net loans and leases to core deposits | 93.7343% | 2,564 |
| Total domestic deposits to total assets | 83.6239% | 4,308 |
| Equity capital to assets | 11.9920% | 2,166 |
| Core capital (leverage) ratio | 9.3251% | 4,172 |
| Tier 1 risk-based capital ratio | 12.3090% | 5,173 |
| Total risk-based capital ratio | 13.5744% | 5,129 |
| Memoranda: | ||
| Average total assets | $1,180,833,500 | 563 |
| Average earning assets | $1,067,070,500 | 562 |
| Average equity | $142,907,000 | 475 |
| Average total loans | $842,232,750 | 526 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 3,716 |
| Cost of funding earning assets | 1.9181% | 1,173 |
| Net interest margin | 3.3314% | 5,897 |
| Noninterest income to average assets | 0.3034% | 5,727 |
| Noninterest expense to average assets | 2.1286% | 6,821 |
| Loan and lease loss provision to assets | 0.7224% | 2,017 |
| Net operating income to assets | 0.3245% | 5,093 |
| Return on assets (ROA) | 0.3850% | 4,988 |
| Pretax return on assets | 0.5504% | 4,739 |
| Return on Equity (ROE) | 3.1706% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.1706% | 4,093 |
| Net charge-offs to loans | 0.7442% | 2,377 |
| Credit loss provision to net charge-offs | 133.6303% | 3,008 |
| Earnings coverage of net charge-offs (x) | 2.1947% | 3,920 |
| Efficiency ratio | 63.0623% | 5,508 |
| Assets per employee ($millions) | 6.6851% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6652% | 1,125 |
| Loan loss allowance to noncurrent loans | 21.5204% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 9.6781% | 435 |
| Noncurrent loans to loans | 12.3845% | 262 |
| Net loans and leases to total assets | 67.9860% | 3,365 |
| Net loans and leases to deposits | 81.8658% | 3,293 |
| Net loans and leases to core deposits | 107.2630% | 1,357 |
| Total domestic deposits to total assets | 83.0457% | 4,552 |
| Equity capital to assets | 12.2304% | 1,960 |
| Core capital (leverage) ratio | 9.5787% | 3,701 |
| Tier 1 risk-based capital ratio | 12.0837% | 5,239 |
| Total risk-based capital ratio | 13.3488% | 5,194 |
| Memoranda: | ||
| Average total assets | $1,162,747,670 | 571 |
| Average earning assets | $1,051,147,330 | 568 |
| Average equity | $141,172,000 | 478 |
| Average total loans | $844,689,000 | 524 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 3,450 |
| Cost of funding earning assets | 1.9436% | 1,264 |
| Net interest margin | 3.3761% | 5,686 |
| Noninterest income to average assets | 0.2643% | 6,037 |
| Noninterest expense to average assets | 2.1274% | 6,870 |
| Loan and lease loss provision to assets | 0.7331% | 1,733 |
| Net operating income to assets | 0.3218% | 5,202 |
| Return on assets (ROA) | 0.3693% | 5,102 |
| Pretax return on assets | 0.5216% | 4,887 |
| Return on Equity (ROE) | 3.0538% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.0538% | 4,304 |
| Net charge-offs to loans | 0.3486% | 3,014 |
| Credit loss provision to net charge-offs | 283.7838% | 1,391 |
| Earnings coverage of net charge-offs (x) | 4.5973% | 2,596 |
| Efficiency ratio | 63.0160% | 5,659 |
| Assets per employee ($millions) | 6.6410% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6743% | 1,102 |
| Loan loss allowance to noncurrent loans | 20.4674% | 6,981 |
| Noncurrent assets plus other real estate owned to assets | 10.4582% | 364 |
| Noncurrent loans to loans | 13.0661% | 249 |
| Net loans and leases to total assets | 71.1123% | 2,671 |
| Net loans and leases to deposits | 85.6690% | 2,654 |
| Net loans and leases to core deposits | 111.7805% | 1,177 |
| Total domestic deposits to total assets | 83.0082% | 4,623 |
| Equity capital to assets | 12.0443% | 2,018 |
| Core capital (leverage) ratio | 9.1663% | 4,274 |
| Tier 1 risk-based capital ratio | 11.3260% | 5,834 |
| Total risk-based capital ratio | 12.5914% | 5,792 |
| Memoranda: | ||
| Average total assets | $1,145,809,000 | 593 |
| Average earning assets | $1,035,406,500 | 592 |
| Average equity | $138,582,000 | 490 |
| Average total loans | $849,126,500 | 539 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6163% | 3,520 |
| Cost of funding earning assets | 2.4398% | 1,187 |
| Net interest margin | 3.1765% | 6,170 |
| Noninterest income to average assets | 0.2250% | 6,502 |
| Noninterest expense to average assets | 2.0647% | 7,256 |
| Loan and lease loss provision to assets | 0.6975% | 3,032 |
| Net operating income to assets | 0.2454% | 4,734 |
| Return on assets (ROA) | 0.2919% | 4,650 |
| Pretax return on assets | 0.3946% | 4,512 |
| Return on Equity (ROE) | 2.3354% | 4,773 |
| Retained earnings to average equity (ytd only) | 2.3354% | 3,485 |
| Net charge-offs to loans | 1.0423% | 2,327 |
| Credit loss provision to net charge-offs | 85.5952% | 6,146 |
| Earnings coverage of net charge-offs (x) | 1.2629% | 4,865 |
| Efficiency ratio | 65.4276% | 5,507 |
| Assets per employee ($millions) | 7.6763% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4848% | 1,250 |
| Loan loss allowance to noncurrent loans | 19.4947% | 7,086 |
| Noncurrent assets plus other real estate owned to assets | 10.2245% | 353 |
| Noncurrent loans to loans | 12.7460% | 252 |
| Net loans and leases to total assets | 73.2981% | 2,428 |
| Net loans and leases to deposits | 88.5008% | 2,471 |
| Net loans and leases to core deposits | 121.8467% | 1,792 |
| Total domestic deposits to total assets | 82.8220% | 4,600 |
| Equity capital to assets | 12.1460% | 1,942 |
| Core capital (leverage) ratio | 9.2789% | 4,005 |
| Tier 1 risk-based capital ratio | 11.1556% | 5,769 |
| Total risk-based capital ratio | 12.4188% | 5,713 |
| Memoranda: | ||
| Average total assets | $1,089,574,200 | 615 |
| Average earning assets | $984,047,400 | 612 |
| Average equity | $136,205,800 | 491 |
| Average total loans | $851,902,800 | 551 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5775% | 3,986 |
| Cost of funding earning assets | 2.5328% | 1,200 |
| Net interest margin | 3.0447% | 6,476 |
| Noninterest income to average assets | 0.2596% | 6,373 |
| Noninterest expense to average assets | 2.0666% | 7,251 |
| Loan and lease loss provision to assets | 0.6061% | 2,965 |
| Net operating income to assets | 0.2505% | 4,989 |
| Return on assets (ROA) | 0.2823% | 4,961 |
| Pretax return on assets | 0.3785% | 4,851 |
| Return on Equity (ROE) | 2.2412% | 5,084 |
| Retained earnings to average equity (ytd only) | 2.2412% | 4,077 |
| Net charge-offs to loans | 1.1109% | 1,799 |
| Credit loss provision to net charge-offs | 69.0725% | 5,999 |
| Earnings coverage of net charge-offs (x) | 1.0739% | 4,982 |
| Efficiency ratio | 67.3230% | 5,114 |
| Assets per employee ($millions) | 7.3056% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3968% | 1,171 |
| Loan loss allowance to noncurrent loans | 22.7748% | 6,929 |
| Noncurrent assets plus other real estate owned to assets | 9.5582% | 377 |
| Noncurrent loans to loans | 10.5239% | 362 |
| Net loans and leases to total assets | 74.4583% | 2,392 |
| Net loans and leases to deposits | 92.0744% | 2,217 |
| Net loans and leases to core deposits | 124.9095% | 1,824 |
| Total domestic deposits to total assets | 80.8675% | 5,132 |
| Equity capital to assets | 12.4255% | 1,995 |
| Core capital (leverage) ratio | 9.5149% | 3,886 |
| Tier 1 risk-based capital ratio | 10.9706% | 5,980 |
| Total risk-based capital ratio | 12.2173% | 5,948 |
| Memoranda: | ||
| Average total assets | $1,077,945,500 | 634 |
| Average earning assets | $973,333,750 | 631 |
| Average equity | $135,760,000 | 504 |
| Average total loans | $851,390,750 | 562 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6749% | 3,691 |
| Cost of funding earning assets | 2.5538% | 1,431 |
| Net interest margin | 3.1211% | 6,178 |
| Noninterest income to average assets | 0.1915% | 6,923 |
| Noninterest expense to average assets | 2.1962% | 7,063 |
| Loan and lease loss provision to assets | 0.2249% | 4,780 |
| Net operating income to assets | 0.4137% | 4,454 |
| Return on assets (ROA) | 0.4341% | 4,477 |
| Pretax return on assets | 0.6226% | 4,259 |
| Return on Equity (ROE) | 3.4306% | 4,737 |
| Retained earnings to average equity (ytd only) | 3.4306% | 3,411 |
| Net charge-offs to loans | 0.2814% | 3,786 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | 3.6392% | 3,360 |
| Efficiency ratio | 71.4827% | 4,511 |
| Assets per employee ($millions) | 6.8079% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6644% | 772 |
| Loan loss allowance to noncurrent loans | 27.6977% | 6,652 |
| Noncurrent assets plus other real estate owned to assets | 9.0256% | 376 |
| Noncurrent loans to loans | 9.6196% | 378 |
| Net loans and leases to total assets | 77.3887% | 1,885 |
| Net loans and leases to deposits | 97.5755% | 1,590 |
| Net loans and leases to core deposits | 128.2908% | 1,691 |
| Total domestic deposits to total assets | 79.3116% | 5,716 |
| Equity capital to assets | 12.8127% | 1,780 |
| Core capital (leverage) ratio | 9.7063% | 3,624 |
| Tier 1 risk-based capital ratio | 11.2565% | 5,635 |
| Total risk-based capital ratio | 12.5221% | 5,525 |
| Memoranda: | ||
| Average total assets | $1,067,111,000 | 655 |
| Average earning assets | $965,233,670 | 654 |
| Average equity | $135,020,330 | 512 |
| Average total loans | $852,812,670 | 577 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7342% | 3,618 |
| Cost of funding earning assets | 2.5455% | 1,754 |
| Net interest margin | 3.1887% | 5,890 |
| Noninterest income to average assets | 0.1660% | 7,116 |
| Noninterest expense to average assets | 2.1327% | 7,047 |
| Loan and lease loss provision to assets | 0.2244% | 4,210 |
| Net operating income to assets | 0.4861% | 4,485 |
| Return on assets (ROA) | 0.4861% | 4,677 |
| Pretax return on assets | 0.7064% | 4,417 |
| Return on Equity (ROE) | 3.8664% | 4,993 |
| Retained earnings to average equity (ytd only) | 3.8664% | 3,738 |
| Net charge-offs to loans | 0.2273% | 3,282 |
| Credit loss provision to net charge-offs | 123.2033% | 3,215 |
| Earnings coverage of net charge-offs (x) | 5.1109% | 2,744 |
| Efficiency ratio | 68.2739% | 4,913 |
| Assets per employee ($millions) | 6.7575% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6182% | 673 |
| Loan loss allowance to noncurrent loans | 29.4238% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 7.3414% | 443 |
| Noncurrent loans to loans | 8.8984% | 368 |
| Net loans and leases to total assets | 78.2716% | 1,757 |
| Net loans and leases to deposits | 99.4447% | 1,484 |
| Net loans and leases to core deposits | 127.5825% | 1,815 |
| Total domestic deposits to total assets | 78.7087% | 5,824 |
| Equity capital to assets | 12.5824% | 1,931 |
| Core capital (leverage) ratio | 9.6999% | 3,758 |
| Tier 1 risk-based capital ratio | 11.0501% | 5,862 |
| Total risk-based capital ratio | 12.3157% | 5,751 |
| Memoranda: | ||
| Average total assets | $1,069,652,000 | 651 |
| Average earning assets | $971,923,000 | 648 |
| Average equity | $134,493,000 | 514 |
| Average total loans | $857,025,000 | 579 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1031% | 5,023 |
| Cost of funding earning assets | 3.0872% | 1,543 |
| Net interest margin | 3.0159% | 6,867 |
| Noninterest income to average assets | 0.1291% | 7,467 |
| Noninterest expense to average assets | 5.6906% | 467 |
| Loan and lease loss provision to assets | 2.3180% | 481 |
| Net operating income to assets | -4.7031% | 8,065 |
| Return on assets (ROA) | -4.5196% | 8,035 |
| Pretax return on assets | -5.0432% | 8,031 |
| Return on Equity (ROE) | -29.7910% | 7,956 |
| Retained earnings to average equity (ytd only) | -29.7910% | 7,907 |
| Net charge-offs to loans | 1.2488% | 960 |
| Credit loss provision to net charge-offs | 244.8540% | 1,904 |
| Earnings coverage of net charge-offs (x) | -3.0941% | 6,767 |
| Efficiency ratio | 71.5842% | 4,013 |
| Assets per employee ($millions) | 6.4537% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6454% | 588 |
| Loan loss allowance to noncurrent loans | 30.6788% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 7.0776% | 366 |
| Noncurrent loans to loans | 8.6229% | 295 |
| Net loans and leases to total assets | 77.7526% | 2,205 |
| Net loans and leases to deposits | 98.8367% | 2,006 |
| Net loans and leases to core deposits | 129.1199% | 1,919 |
| Total domestic deposits to total assets | 78.6677% | 5,493 |
| Equity capital to assets | 12.5646% | 1,980 |
| Core capital (leverage) ratio | 9.2890% | 4,314 |
| Tier 1 risk-based capital ratio | 11.4728% | 5,264 |
| Total risk-based capital ratio | 12.7399% | 5,139 |
| Memoranda: | ||
| Average total assets | $1,103,345,400 | 602 |
| Average earning assets | $963,070,600 | 622 |
| Average equity | $167,389,600 | 425 |
| Average total loans | $836,371,000 | 575 |