Home > MainStreet Bank > Performance and Condition Ratios
MainStreet Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7720% | 269 |
| Cost of funding earning assets | 2.4432% | 416 |
| Net interest margin | 4.3288% | 776 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.2596% | 2,954 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 1.4517% | 1,120 |
| Return on assets (ROA) | 1.4517% | 1,086 |
| Pretax return on assets | 1.8247% | 858 |
| Return on Equity (ROE) | 10.5100% | 2,359 |
| Retained earnings to average equity (ytd only) | 8.6387% | 1,356 |
| Net charge-offs to loans | 0.0268% | 1,784 |
| Credit loss provision to net charge-offs | 436.6292% | 733 |
| Earnings coverage of net charge-offs (x) | 85.4944% | 982 |
| Efficiency ratio | 54.2310% | 3,659 |
| Assets per employee ($millions) | 10.9201% | 535 |
| Cash dividends to net income (ytd only)* | 17.8378% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9588% | 3,495 |
| Loan loss allowance to noncurrent loans | 1,644.1235% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0494% | 3,267 |
| Noncurrent loans to loans | 0.0583% | 3,301 |
| Net loans and leases to total assets | 83.9500% | 271 |
| Net loans and leases to deposits | 100.9110% | 486 |
| Net loans and leases to core deposits | 179.9634% | 102 |
| Total domestic deposits to total assets | 83.1900% | 2,841 |
| Equity capital to assets | 14.1338% | 659 |
| Core capital (leverage) ratio | 14.6589% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1820% | 1,051 |
| Memoranda: | ||
| Average total assets | $1,995,018,800 | 577 |
| Average earning assets | $1,837,292,000 | 566 |
| Average equity | $275,445,200 | 424 |
| Average total loans | $1,659,803,800 | 481 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6549% | 262 |
| Cost of funding earning assets | 2.1623% | 534 |
| Net interest margin | 4.4927% | 621 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.2788% | 2,858 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 1.5702% | 982 |
| Return on assets (ROA) | 1.5702% | 974 |
| Pretax return on assets | 1.9626% | 792 |
| Return on Equity (ROE) | 11.4400% | 2,270 |
| Retained earnings to average equity (ytd only) | 9.5471% | 1,536 |
| Net charge-offs to loans | 0.0257% | 1,557 |
| Credit loss provision to net charge-offs | 294.6372% | 899 |
| Earnings coverage of net charge-offs (x) | 95.9306% | 938 |
| Efficiency ratio | 52.7450% | 3,696 |
| Assets per employee ($millions) | 10.9731% | 504 |
| Cash dividends to net income (ytd only)* | 16.5633% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9208% | 3,666 |
| Loan loss allowance to noncurrent loans | 4,808.0000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 3,676 |
| Noncurrent loans to loans | 0.0192% | 3,627 |
| Net loans and leases to total assets | 83.2800% | 342 |
| Net loans and leases to deposits | 99.5690% | 534 |
| Net loans and leases to core deposits | 159.2788% | 106 |
| Total domestic deposits to total assets | 83.6400% | 2,870 |
| Equity capital to assets | 13.8413% | 670 |
| Core capital (leverage) ratio | 14.9702% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8925% | 1,123 |
| Memoranda: | ||
| Average total assets | $1,985,990,750 | 578 |
| Average earning assets | $1,827,977,000 | 570 |
| Average equity | $272,537,750 | 427 |
| Average total loans | $1,644,343,750 | 485 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5366% | 252 |
| Cost of funding earning assets | 1.9076% | 596 |
| Net interest margin | 4.6289% | 503 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.2798% | 2,869 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.6590% | 855 |
| Return on assets (ROA) | 1.6590% | 856 |
| Pretax return on assets | 2.0722% | 658 |
| Return on Equity (ROE) | 12.1200% | 2,116 |
| Retained earnings to average equity (ytd only) | 10.2128% | 1,349 |
| Net charge-offs to loans | -0.0007% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 51.2860% | 3,829 |
| Assets per employee ($millions) | 10.8789% | 524 |
| Cash dividends to net income (ytd only)* | 15.7673% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 3,530 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 84.0900% | 267 |
| Net loans and leases to deposits | 102.3977% | 416 |
| Net loans and leases to core deposits | 144.5885% | 175 |
| Total domestic deposits to total assets | 82.1200% | 3,210 |
| Equity capital to assets | 14.1842% | 624 |
| Core capital (leverage) ratio | 14.8111% | 616 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7902% | 1,158 |
| Memoranda: | ||
| Average total assets | $1,974,969,000 | 570 |
| Average earning assets | $1,819,727,000 | 558 |
| Average equity | $270,229,000 | 420 |
| Average total loans | $1,626,768,333 | 473 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2604% | 233 |
| Cost of funding earning assets | 1.4705% | 892 |
| Net interest margin | 4.7899% | 376 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.3457% | 2,687 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.7617% | 729 |
| Return on assets (ROA) | 1.7617% | 723 |
| Pretax return on assets | 2.2046% | 564 |
| Return on Equity (ROE) | 13.1100% | 1,963 |
| Retained earnings to average equity (ytd only) | 11.1781% | 1,433 |
| Net charge-offs to loans | -0.0027% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.9146% | 3,860 |
| Assets per employee ($millions) | 12.0771% | 387 |
| Cash dividends to net income (ytd only)* | 14.7391% | 2,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9454% | 3,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 78.7700% | 678 |
| Net loans and leases to deposits | 98.7800% | 495 |
| Net loans and leases to core deposits | 147.7051% | 134 |
| Total domestic deposits to total assets | 79.7400% | 3,798 |
| Equity capital to assets | 13.1782% | 721 |
| Core capital (leverage) ratio | 14.6850% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4162% | 1,285 |
| Memoranda: | ||
| Average total assets | $1,988,792,000 | 580 |
| Average earning assets | $1,833,928,000 | 568 |
| Average equity | $267,237,500 | 432 |
| Average total loans | $1,613,387,000 | 486 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 263 |
| Cost of funding earning assets | 0.6582% | 698 |
| Net interest margin | 4.4150% | 341 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.1707% | 3,095 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.6035% | 690 |
| Return on assets (ROA) | 1.6036% | 656 |
| Pretax return on assets | 2.0216% | 459 |
| Return on Equity (ROE) | 12.0100% | 2,131 |
| Retained earnings to average equity (ytd only) | 10.3297% | 1,061 |
| Net charge-offs to loans | -0.0013% | 3,385 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 50.1852% | 4,119 |
| Assets per employee ($millions) | 11.4552% | 456 |
| Cash dividends to net income (ytd only)* | 14.0043% | 3,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 3,824 |
| Loan loss allowance to noncurrent loans | 235,233.3333% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 3,969 |
| Noncurrent loans to loans | 0.0004% | 3,908 |
| Net loans and leases to total assets | 82.1000% | 397 |
| Net loans and leases to deposits | 104.0834% | 297 |
| Net loans and leases to core deposits | 141.4857% | 136 |
| Total domestic deposits to total assets | 78.8800% | 4,015 |
| Equity capital to assets | 13.7135% | 602 |
| Core capital (leverage) ratio | 15.0456% | 567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2676% | 1,299 |
| Memoranda: | ||
| Average total assets | $1,798,047,800 | 609 |
| Average earning assets | $1,656,114,400 | 600 |
| Average equity | $240,046,600 | 456 |
| Average total loans | $1,452,836,000 | 495 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7652% | 304 |
| Cost of funding earning assets | 0.5366% | 616 |
| Net interest margin | 4.2286% | 391 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 2.1395% | 3,102 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.5667% | 713 |
| Return on assets (ROA) | 1.5670% | 690 |
| Pretax return on assets | 1.9374% | 538 |
| Return on Equity (ROE) | 11.8200% | 2,092 |
| Retained earnings to average equity (ytd only) | 10.2555% | 1,273 |
| Net charge-offs to loans | -0.0017% | 3,238 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.2679% | 4,062 |
| Assets per employee ($millions) | 11.8459% | 402 |
| Cash dividends to net income (ytd only)* | 13.2707% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 3,889 |
| Loan loss allowance to noncurrent loans | 5,699.1228% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 3,850 |
| Noncurrent loans to loans | 0.0156% | 3,816 |
| Net loans and leases to total assets | 77.8600% | 716 |
| Net loans and leases to deposits | 92.0945% | 761 |
| Net loans and leases to core deposits | 121.3764% | 240 |
| Total domestic deposits to total assets | 84.5400% | 3,378 |
| Equity capital to assets | 13.1148% | 661 |
| Core capital (leverage) ratio | 14.0105% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3866% | 1,316 |
| Memoranda: | ||
| Average total assets | $1,766,442,500 | 620 |
| Average earning assets | $1,627,972,000 | 614 |
| Average equity | $234,080,250 | 467 |
| Average total loans | $1,417,529,000 | 496 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5298% | 360 |
| Cost of funding earning assets | 0.4454% | 703 |
| Net interest margin | 4.0844% | 413 |
| Noninterest income to average assets | 0.2700% | 3,553 |
| Noninterest expense to average assets | 2.1269% | 3,070 |
| Loan and lease loss provision to assets | 0.1475% | 646 |
| Net operating income to assets | 1.4248% | 846 |
| Return on assets (ROA) | 1.4252% | 832 |
| Pretax return on assets | 1.7621% | 652 |
| Return on Equity (ROE) | 10.7156% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.1168% | 1,250 |
| Net charge-offs to loans | -0.0007% | 3,011 |
| Credit loss provision to net charge-offs | -25,600.0000% | 3,895 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6971% | 4,075 |
| Assets per employee ($millions) | 12.5471% | 323 |
| Cash dividends to net income (ytd only)* | 14.9199% | 2,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9079% | 3,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 78.9680% | 484 |
| Net loans and leases to deposits | 93.1813% | 550 |
| Net loans and leases to core deposits | 126.3130% | 143 |
| Total domestic deposits to total assets | 84.7466% | 3,539 |
| Equity capital to assets | 13.3550% | 600 |
| Core capital (leverage) ratio | 14.3444% | 568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2345% | 1,379 |
| Memoranda: | ||
| Average total assets | $1,735,319,000 | 623 |
| Average earning assets | $1,600,030,333 | 621 |
| Average equity | $230,803,667 | 471 |
| Average total loans | $1,403,016,667 | 494 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4090% | 372 |
| Cost of funding earning assets | 0.4271% | 741 |
| Net interest margin | 3.9819% | 432 |
| Noninterest income to average assets | 0.2640% | 3,545 |
| Noninterest expense to average assets | 2.1012% | 3,138 |
| Loan and lease loss provision to assets | 0.1876% | 400 |
| Net operating income to assets | 1.3586% | 891 |
| Return on assets (ROA) | 1.3586% | 875 |
| Pretax return on assets | 1.6566% | 748 |
| Return on Equity (ROE) | 10.2370% | 1,873 |
| Retained earnings to average equity (ytd only) | 8.6009% | 1,396 |
| Net charge-offs to loans | -0.0009% | 3,005 |
| Credit loss provision to net charge-offs | -26,666.6667% | 3,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2569% | 4,103 |
| Assets per employee ($millions) | 12.2549% | 366 |
| Cash dividends to net income (ytd only)* | 15.9821% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 4,100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 80.0832% | 237 |
| Net loans and leases to deposits | 96.8727% | 260 |
| Net loans and leases to core deposits | 126.9500% | 108 |
| Total domestic deposits to total assets | 82.6685% | 3,984 |
| Equity capital to assets | 13.4261% | 619 |
| Core capital (leverage) ratio | 14.4656% | 515 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4429% | 1,397 |
| Memoranda: | ||
| Average total assets | $1,705,859,000 | 635 |
| Average earning assets | $1,577,128,000 | 632 |
| Average equity | $226,395,000 | 495 |
| Average total loans | $1,389,597,000 | 496 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1048% | 1,149 |
| Cost of funding earning assets | 0.5598% | 665 |
| Net interest margin | 3.5450% | 1,616 |
| Noninterest income to average assets | 0.3535% | 3,325 |
| Noninterest expense to average assets | 1.9566% | 3,802 |
| Loan and lease loss provision to assets | -0.0700% | 4,439 |
| Net operating income to assets | 1.4084% | 1,249 |
| Return on assets (ROA) | 1.4087% | 1,310 |
| Pretax return on assets | 1.7766% | 966 |
| Return on Equity (ROE) | 12.0295% | 1,808 |
| Retained earnings to average equity (ytd only) | 10.9333% | 715 |
| Net charge-offs to loans | 0.0004% | 2,691 |
| Credit loss provision to net charge-offs | -23,500.0000% | 4,272 |
| Earnings coverage of net charge-offs (x) | 5,732.0000% | 19 |
| Efficiency ratio | 53.4173% | 3,991 |
| Assets per employee ($millions) | 11.9348% | 403 |
| Cash dividends to net income (ytd only)* | 9.1120% | 3,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 4,149 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 3,662 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 81.4665% | 201 |
| Net loans and leases to deposits | 95.0026% | 348 |
| Net loans and leases to core deposits | 122.2469% | 148 |
| Total domestic deposits to total assets | 85.7519% | 2,994 |
| Equity capital to assets | 13.1061% | 869 |
| Core capital (leverage) ratio | 12.8950% | 832 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0608% | 1,489 |
| Memoranda: | ||
| Average total assets | $1,679,670,800 | 623 |
| Average earning assets | $1,568,084,200 | 614 |
| Average equity | $196,692,200 | 556 |
| Average total loans | $1,298,286,200 | 520 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 1,376 |
| Cost of funding earning assets | 0.5902% | 669 |
| Net interest margin | 3.4781% | 1,932 |
| Noninterest income to average assets | 0.3446% | 3,389 |
| Noninterest expense to average assets | 1.9072% | 3,928 |
| Loan and lease loss provision to assets | -0.1161% | 4,640 |
| Net operating income to assets | 1.4550% | 1,382 |
| Return on assets (ROA) | 1.4552% | 1,439 |
| Pretax return on assets | 1.8034% | 1,154 |
| Return on Equity (ROE) | 12.7987% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.6752% | 905 |
| Net charge-offs to loans | -0.0022% | 3,236 |
| Credit loss provision to net charge-offs | 7,000.0000% | 113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0627% | 3,914 |
| Assets per employee ($millions) | 12.9417% | 309 |
| Cash dividends to net income (ytd only)* | 8.7780% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9086% | 4,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,640 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 75.2372% | 598 |
| Net loans and leases to deposits | 87.0303% | 767 |
| Net loans and leases to core deposits | 115.1724% | 239 |
| Total domestic deposits to total assets | 86.4494% | 2,581 |
| Equity capital to assets | 12.4472% | 1,198 |
| Core capital (leverage) ratio | 12.2325% | 1,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4825% | 1,493 |
| Memoranda: | ||
| Average total assets | $1,687,836,500 | 624 |
| Average earning assets | $1,576,965,000 | 611 |
| Average equity | $191,900,500 | 568 |
| Average total loans | $1,284,493,500 | 535 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 1,420 |
| Cost of funding earning assets | 0.6218% | 666 |
| Net interest margin | 3.4432% | 2,026 |
| Noninterest income to average assets | 0.3441% | 3,386 |
| Noninterest expense to average assets | 1.8468% | 4,079 |
| Loan and lease loss provision to assets | -0.2073% | 4,763 |
| Net operating income to assets | 1.5556% | 1,156 |
| Return on assets (ROA) | 1.5559% | 1,214 |
| Pretax return on assets | 1.9256% | 961 |
| Return on Equity (ROE) | 14.1202% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.9681% | 721 |
| Net charge-offs to loans | -0.0025% | 3,241 |
| Credit loss provision to net charge-offs | 11,000.0000% | 52 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8071% | 4,065 |
| Assets per employee ($millions) | 13.1383% | 277 |
| Cash dividends to net income (ytd only)* | 8.1592% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 4,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 3,761 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 73.5629% | 808 |
| Net loans and leases to deposits | 84.7230% | 1,011 |
| Net loans and leases to core deposits | 113.1681% | 296 |
| Total domestic deposits to total assets | 86.8275% | 2,413 |
| Equity capital to assets | 11.8190% | 1,450 |
| Core capital (leverage) ratio | 11.7810% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2478% | 1,548 |
| Memoranda: | ||
| Average total assets | $1,698,270,667 | 617 |
| Average earning assets | $1,588,541,333 | 601 |
| Average equity | $187,136,667 | 577 |
| Average total loans | $1,293,405,333 | 537 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 1,325 |
| Cost of funding earning assets | 0.6616% | 644 |
| Net interest margin | 3.4671% | 1,914 |
| Noninterest income to average assets | 0.3316% | 3,441 |
| Noninterest expense to average assets | 1.8443% | 4,124 |
| Loan and lease loss provision to assets | 0.0756% | 1,675 |
| Net operating income to assets | 1.3312% | 1,728 |
| Return on assets (ROA) | 1.3317% | 1,815 |
| Pretax return on assets | 1.6605% | 1,579 |
| Return on Equity (ROE) | 12.5448% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.3455% | 1,312 |
| Net charge-offs to loans | -0.0055% | 3,430 |
| Credit loss provision to net charge-offs | -1,777.7778% | 3,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5210% | 4,046 |
| Assets per employee ($millions) | 14.1742% | 224 |
| Cash dividends to net income (ytd only)* | 9.5601% | 2,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0069% | 3,810 |
| Loan loss allowance to noncurrent loans | 8,929.0541% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 3,828 |
| Noncurrent loans to loans | 0.0113% | 4,255 |
| Net loans and leases to total assets | 74.5181% | 772 |
| Net loans and leases to deposits | 84.1737% | 1,130 |
| Net loans and leases to core deposits | 111.5306% | 373 |
| Total domestic deposits to total assets | 88.5290% | 1,592 |
| Equity capital to assets | 10.4340% | 2,330 |
| Core capital (leverage) ratio | 10.8630% | 1,808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4701% | 1,751 |
| Memoranda: | ||
| Average total assets | $1,693,418,500 | 609 |
| Average earning assets | $1,586,440,500 | 593 |
| Average equity | $179,772,000 | 595 |
| Average total loans | $1,306,323,500 | 534 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 1,362 |
| Cost of funding earning assets | 1.0902% | 414 |
| Net interest margin | 3.3903% | 2,812 |
| Noninterest income to average assets | 0.4986% | 2,640 |
| Noninterest expense to average assets | 2.0443% | 4,053 |
| Loan and lease loss provision to assets | 0.2436% | 1,593 |
| Net operating income to assets | 1.1122% | 1,878 |
| Return on assets (ROA) | 1.1122% | 1,997 |
| Pretax return on assets | 1.3853% | 1,705 |
| Return on Equity (ROE) | 10.4390% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.0368% | 578 |
| Net charge-offs to loans | 0.0265% | 2,506 |
| Credit loss provision to net charge-offs | 1,138.8013% | 708 |
| Earnings coverage of net charge-offs (x) | 76.1514% | 923 |
| Efficiency ratio | 55.6552% | 4,025 |
| Assets per employee ($millions) | 13.0429% | 261 |
| Cash dividends to net income (ytd only)* | 3.8525% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 3,907 |
| Loan loss allowance to noncurrent loans | 8,642.2819% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0809% | 3,929 |
| Noncurrent loans to loans | 0.0115% | 4,331 |
| Net loans and leases to total assets | 78.3363% | 571 |
| Net loans and leases to deposits | 89.2778% | 985 |
| Net loans and leases to core deposits | 135.5807% | 156 |
| Total domestic deposits to total assets | 87.7444% | 1,589 |
| Equity capital to assets | 10.8089% | 2,422 |
| Core capital (leverage) ratio | 10.7789% | 1,950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5975% | 2,016 |
| Memoranda: | ||
| Average total assets | $1,482,018,600 | 624 |
| Average earning assets | $1,387,711,800 | 606 |
| Average equity | $157,898,400 | 647 |
| Average total loans | $1,195,357,400 | 549 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5048% | 1,556 |
| Cost of funding earning assets | 1.1801% | 401 |
| Net interest margin | 3.3247% | 3,116 |
| Noninterest income to average assets | 0.5097% | 2,570 |
| Noninterest expense to average assets | 2.0473% | 4,054 |
| Loan and lease loss provision to assets | 0.6067% | 410 |
| Net operating income to assets | 0.7940% | 3,114 |
| Return on assets (ROA) | 0.7940% | 3,232 |
| Pretax return on assets | 0.9740% | 3,150 |
| Return on Equity (ROE) | 7.4830% | 3,021 |
| Retained earnings to average equity (ytd only) | 7.4830% | 1,501 |
| Net charge-offs to loans | 0.2050% | 747 |
| Credit loss provision to net charge-offs | 364.8498% | 1,558 |
| Earnings coverage of net charge-offs (x) | 9.5061% | 2,421 |
| Efficiency ratio | 56.4302% | 3,870 |
| Assets per employee ($millions) | 13.1508% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1084% | 3,164 |
| Loan loss allowance to noncurrent loans | 1,155.0725% | 524 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 3,559 |
| Noncurrent loans to loans | 0.0960% | 3,982 |
| Net loans and leases to total assets | 78.4875% | 774 |
| Net loans and leases to deposits | 88.4645% | 1,433 |
| Net loans and leases to core deposits | 131.1618% | 228 |
| Total domestic deposits to total assets | 88.7220% | 888 |
| Equity capital to assets | 9.6796% | 3,536 |
| Core capital (leverage) ratio | 10.1924% | 2,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3871% | 2,462 |
| Memoranda: | ||
| Average total assets | $1,441,670,750 | 620 |
| Average earning assets | $1,352,198,000 | 607 |
| Average equity | $152,964,500 | 654 |
| Average total loans | $1,169,131,000 | 548 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,538 |
| Cost of funding earning assets | 1.3160% | 341 |
| Net interest margin | 3.3336% | 3,294 |
| Noninterest income to average assets | 0.3883% | 3,151 |
| Noninterest expense to average assets | 2.1033% | 4,025 |
| Loan and lease loss provision to assets | 0.8595% | 268 |
| Net operating income to assets | 0.4670% | 4,091 |
| Return on assets (ROA) | 0.4670% | 4,159 |
| Pretax return on assets | 0.5536% | 4,148 |
| Return on Equity (ROE) | 4.2541% | 4,038 |
| Retained earnings to average equity (ytd only) | 4.2541% | 2,797 |
| Net charge-offs to loans | 0.3152% | 510 |
| Credit loss provision to net charge-offs | 333.4271% | 1,546 |
| Earnings coverage of net charge-offs (x) | 5.4817% | 2,513 |
| Efficiency ratio | 59.8144% | 3,433 |
| Assets per employee ($millions) | 12.6320% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 3,183 |
| Loan loss allowance to noncurrent loans | 1,052.1839% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 3,714 |
| Noncurrent loans to loans | 0.1025% | 4,043 |
| Net loans and leases to total assets | 82.3709% | 388 |
| Net loans and leases to deposits | 93.6070% | 998 |
| Net loans and leases to core deposits | 145.3433% | 131 |
| Total domestic deposits to total assets | 87.9965% | 1,186 |
| Equity capital to assets | 9.9761% | 3,229 |
| Core capital (leverage) ratio | 10.2293% | 2,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2617% | 2,497 |
| Memoranda: | ||
| Average total assets | $1,378,659,667 | 635 |
| Average earning assets | $1,293,657,333 | 617 |
| Average equity | $151,337,667 | 657 |
| Average total loans | $1,127,426,333 | 559 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 1,049 |
| Cost of funding earning assets | 1.4973% | 273 |
| Net interest margin | 3.4618% | 3,108 |
| Noninterest income to average assets | 0.4219% | 2,958 |
| Noninterest expense to average assets | 2.1903% | 4,030 |
| Loan and lease loss provision to assets | 0.1074% | 2,335 |
| Net operating income to assets | 1.1241% | 1,769 |
| Return on assets (ROA) | 1.1241% | 1,868 |
| Pretax return on assets | 1.3702% | 1,653 |
| Return on Equity (ROE) | 9.7210% | 1,833 |
| Retained earnings to average equity (ytd only) | 9.7210% | 801 |
| Net charge-offs to loans | 0.0137% | 2,111 |
| Credit loss provision to net charge-offs | 972.2222% | 586 |
| Earnings coverage of net charge-offs (x) | 133.7778% | 472 |
| Efficiency ratio | 59.7156% | 3,776 |
| Assets per employee ($millions) | 10.6422% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 4,020 |
| Loan loss allowance to noncurrent loans | 17,065.5172% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0951% | 4,145 |
| Noncurrent loans to loans | 0.0054% | 4,556 |
| Net loans and leases to total assets | 79.6549% | 737 |
| Net loans and leases to deposits | 92.4716% | 1,229 |
| Net loans and leases to core deposits | 143.7932% | 144 |
| Total domestic deposits to total assets | 86.1399% | 1,949 |
| Equity capital to assets | 11.4864% | 2,447 |
| Core capital (leverage) ratio | 11.4526% | 2,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1986% | 2,622 |
| Memoranda: | ||
| Average total assets | $1,303,755,500 | 641 |
| Average earning assets | $1,222,496,500 | 623 |
| Average equity | $150,766,000 | 657 |
| Average total loans | $1,054,767,500 | 568 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2737% | 865 |
| Cost of funding earning assets | 1.6427% | 253 |
| Net interest margin | 3.6310% | 3,033 |
| Noninterest income to average assets | 0.3841% | 3,391 |
| Noninterest expense to average assets | 2.1288% | 4,310 |
| Loan and lease loss provision to assets | 0.1362% | 1,567 |
| Net operating income to assets | 1.2436% | 1,891 |
| Return on assets (ROA) | 1.2439% | 1,973 |
| Pretax return on assets | 1.5447% | 1,672 |
| Return on Equity (ROE) | 10.4890% | 2,087 |
| Retained earnings to average equity (ytd only) | 10.4890% | 403 |
| Net charge-offs to loans | 0.0880% | 1,862 |
| Credit loss provision to net charge-offs | 187.0520% | 1,411 |
| Earnings coverage of net charge-offs (x) | 23.0821% | 1,824 |
| Efficiency ratio | 55.8850% | 4,216 |
| Assets per employee ($millions) | 10.2179% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 3,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 4,151 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 80.6760% | 707 |
| Net loans and leases to deposits | 95.9795% | 942 |
| Net loans and leases to core deposits | 165.1357% | 74 |
| Total domestic deposits to total assets | 84.0555% | 2,834 |
| Equity capital to assets | 11.6447% | 2,388 |
| Core capital (leverage) ratio | 12.1225% | 1,700 |
| Tier 1 risk-based capital ratio | 12.6792% | 3,961 |
| Total risk-based capital ratio | 13.4985% | 4,088 |
| Memoranda: | ||
| Average total assets | $1,188,109,200 | 666 |
| Average earning assets | $1,120,778,000 | 648 |
| Average equity | $140,900,200 | 662 |
| Average total loans | $982,725,400 | 584 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3120% | 841 |
| Cost of funding earning assets | 1.6748% | 221 |
| Net interest margin | 3.6372% | 3,146 |
| Noninterest income to average assets | 0.4124% | 3,241 |
| Noninterest expense to average assets | 2.1260% | 4,315 |
| Loan and lease loss provision to assets | 0.1441% | 1,333 |
| Net operating income to assets | 1.2622% | 1,973 |
| Return on assets (ROA) | 1.2627% | 2,055 |
| Pretax return on assets | 1.5788% | 1,706 |
| Return on Equity (ROE) | 10.5950% | 2,173 |
| Retained earnings to average equity (ytd only) | 10.5950% | 603 |
| Net charge-offs to loans | 0.0993% | 1,478 |
| Credit loss provision to net charge-offs | 174.7573% | 1,463 |
| Earnings coverage of net charge-offs (x) | 20.8876% | 1,934 |
| Efficiency ratio | 55.2452% | 4,251 |
| Assets per employee ($millions) | 10.1114% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9351% | 3,899 |
| Loan loss allowance to noncurrent loans | 7,680.3279% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 4,171 |
| Noncurrent loans to loans | 0.0122% | 4,628 |
| Net loans and leases to total assets | 80.4649% | 787 |
| Net loans and leases to deposits | 93.0832% | 1,310 |
| Net loans and leases to core deposits | 166.8164% | 75 |
| Total domestic deposits to total assets | 86.4441% | 1,796 |
| Equity capital to assets | 11.7540% | 2,453 |
| Core capital (leverage) ratio | 12.1249% | 1,775 |
| Tier 1 risk-based capital ratio | 12.8239% | 3,941 |
| Total risk-based capital ratio | 13.6550% | 4,074 |
| Memoranda: | ||
| Average total assets | $1,165,827,000 | 677 |
| Average earning assets | $1,101,337,750 | 661 |
| Average equity | $138,942,500 | 665 |
| Average total loans | $968,404,500 | 595 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3236% | 775 |
| Cost of funding earning assets | 1.6609% | 222 |
| Net interest margin | 3.6627% | 3,061 |
| Noninterest income to average assets | 0.3836% | 3,378 |
| Noninterest expense to average assets | 2.1318% | 4,357 |
| Loan and lease loss provision to assets | 0.1881% | 945 |
| Net operating income to assets | 1.2339% | 2,031 |
| Return on assets (ROA) | 1.2346% | 2,079 |
| Pretax return on assets | 1.5255% | 1,771 |
| Return on Equity (ROE) | 10.3079% | 2,248 |
| Retained earnings to average equity (ytd only) | 10.3079% | 672 |
| Net charge-offs to loans | 0.1509% | 1,034 |
| Credit loss provision to net charge-offs | 148.8920% | 1,502 |
| Earnings coverage of net charge-offs (x) | 13.5596% | 2,091 |
| Efficiency ratio | 55.4514% | 4,315 |
| Assets per employee ($millions) | 9.7060% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9252% | 3,982 |
| Loan loss allowance to noncurrent loans | 12,412.1622% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 4,216 |
| Noncurrent loans to loans | 0.0075% | 4,694 |
| Net loans and leases to total assets | 83.0628% | 463 |
| Net loans and leases to deposits | 97.0516% | 929 |
| Net loans and leases to core deposits | 177.3161% | 63 |
| Total domestic deposits to total assets | 85.5862% | 2,230 |
| Equity capital to assets | 11.8906% | 2,271 |
| Core capital (leverage) ratio | 12.0658% | 1,789 |
| Tier 1 risk-based capital ratio | 12.5885% | 4,082 |
| Total risk-based capital ratio | 13.4110% | 4,214 |
| Memoranda: | ||
| Average total assets | $1,143,238,330 | 690 |
| Average earning assets | $1,080,241,670 | 672 |
| Average equity | $136,924,670 | 671 |
| Average total loans | $957,213,000 | 601 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 884 |
| Cost of funding earning assets | 1.5936% | 232 |
| Net interest margin | 3.6204% | 3,178 |
| Noninterest income to average assets | 0.3206% | 3,716 |
| Noninterest expense to average assets | 2.1404% | 4,395 |
| Loan and lease loss provision to assets | 0.1158% | 1,521 |
| Net operating income to assets | 1.2237% | 1,968 |
| Return on assets (ROA) | 1.2237% | 2,014 |
| Pretax return on assets | 1.4888% | 1,807 |
| Return on Equity (ROE) | 10.1788% | 2,286 |
| Retained earnings to average equity (ytd only) | 10.1788% | 992 |
| Net charge-offs to loans | -0.0141% | 4,355 |
| Credit loss provision to net charge-offs | -984.8485% | 3,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1537% | 4,196 |
| Assets per employee ($millions) | 9.7906% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,907 |
| Loan loss allowance to noncurrent loans | 465.9736% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 0.1722% | 3,964 |
| Noncurrent loans to loans | 0.2069% | 3,844 |
| Net loans and leases to total assets | 82.3864% | 540 |
| Net loans and leases to deposits | 97.3775% | 857 |
| Net loans and leases to core deposits | 140.5560% | 180 |
| Total domestic deposits to total assets | 84.6051% | 2,815 |
| Equity capital to assets | 11.9434% | 2,057 |
| Core capital (leverage) ratio | 12.3822% | 1,568 |
| Tier 1 risk-based capital ratio | 12.6073% | 4,094 |
| Total risk-based capital ratio | 13.4531% | 4,223 |
| Memoranda: | ||
| Average total assets | $1,122,791,000 | 706 |
| Average earning assets | $1,061,995,000 | 685 |
| Average equity | $134,987,000 | 675 |
| Average total loans | $939,440,000 | 614 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 1,310 |
| Cost of funding earning assets | 1.3040% | 213 |
| Net interest margin | 3.5893% | 3,417 |
| Noninterest income to average assets | 0.3341% | 3,878 |
| Noninterest expense to average assets | 2.1059% | 4,553 |
| Loan and lease loss provision to assets | 0.3295% | 482 |
| Net operating income to assets | 1.0514% | 2,802 |
| Return on assets (ROA) | 1.0514% | 2,788 |
| Pretax return on assets | 1.2934% | 2,527 |
| Return on Equity (ROE) | 9.8125% | 2,597 |
| Retained earnings to average equity (ytd only) | 9.8125% | 650 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4765% | 4,349 |
| Assets per employee ($millions) | 10.0008% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9537% | 3,939 |
| Loan loss allowance to noncurrent loans | 452.8718% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 3,918 |
| Noncurrent loans to loans | 0.2106% | 3,822 |
| Net loans and leases to total assets | 83.3687% | 476 |
| Net loans and leases to deposits | 99.4978% | 780 |
| Net loans and leases to core deposits | 136.9542% | 230 |
| Total domestic deposits to total assets | 83.7895% | 3,061 |
| Equity capital to assets | 12.1047% | 1,820 |
| Core capital (leverage) ratio | 12.4051% | 1,511 |
| Tier 1 risk-based capital ratio | 12.9003% | 3,901 |
| Total risk-based capital ratio | 13.7534% | 4,003 |
| Memoranda: | ||
| Average total assets | $948,647,800 | 804 |
| Average earning assets | $897,262,000 | 786 |
| Average equity | $101,645,800 | 839 |
| Average total loans | $795,558,000 | 702 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7685% | 1,500 |
| Cost of funding earning assets | 1.2052% | 247 |
| Net interest margin | 3.5633% | 3,481 |
| Noninterest income to average assets | 0.2541% | 4,450 |
| Noninterest expense to average assets | 2.1380% | 4,462 |
| Loan and lease loss provision to assets | 0.3850% | 331 |
| Net operating income to assets | 0.8947% | 3,557 |
| Return on assets (ROA) | 0.8947% | 3,562 |
| Pretax return on assets | 1.0997% | 3,403 |
| Return on Equity (ROE) | 8.6909% | 3,246 |
| Retained earnings to average equity (ytd only) | 8.6909% | 1,349 |
| Net charge-offs to loans | 0.0014% | 3,452 |
| Credit loss provision to net charge-offs | 32,875.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,267.3224% | 64 |
| Efficiency ratio | 59.0173% | 3,962 |
| Assets per employee ($millions) | 10.0619% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9692% | 3,943 |
| Loan loss allowance to noncurrent loans | 413.8668% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 0.1904% | 3,985 |
| Noncurrent loans to loans | 0.2342% | 3,864 |
| Net loans and leases to total assets | 80.5321% | 941 |
| Net loans and leases to deposits | 95.1528% | 1,251 |
| Net loans and leases to core deposits | 122.7443% | 499 |
| Total domestic deposits to total assets | 84.6345% | 2,745 |
| Equity capital to assets | 12.2312% | 1,753 |
| Core capital (leverage) ratio | 12.5652% | 1,465 |
| Tier 1 risk-based capital ratio | 13.7015% | 3,511 |
| Total risk-based capital ratio | 14.5815% | 3,637 |
| Memoranda: | ||
| Average total assets | $910,789,000 | 839 |
| Average earning assets | $861,023,250 | 818 |
| Average equity | $93,766,750 | 895 |
| Average total loans | $762,958,500 | 725 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6593% | 1,619 |
| Cost of funding earning assets | 1.0236% | 419 |
| Net interest margin | 3.6357% | 3,175 |
| Noninterest income to average assets | 0.2468% | 4,529 |
| Noninterest expense to average assets | 2.1911% | 4,391 |
| Loan and lease loss provision to assets | 0.4709% | 248 |
| Net operating income to assets | 0.8276% | 3,762 |
| Return on assets (ROA) | 0.8276% | 3,766 |
| Pretax return on assets | 1.0155% | 3,619 |
| Return on Equity (ROE) | 8.7080% | 3,167 |
| Retained earnings to average equity (ytd only) | 8.7080% | 1,319 |
| Net charge-offs to loans | 0.0011% | 3,179 |
| Credit loss provision to net charge-offs | 50,750.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 1,602.0000% | 47 |
| Efficiency ratio | 59.5812% | 3,995 |
| Assets per employee ($millions) | 9.0847% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 4,166 |
| Loan loss allowance to noncurrent loans | 391.8398% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2109% | 3,949 |
| Noncurrent loans to loans | 0.2396% | 3,845 |
| Net loans and leases to total assets | 87.1916% | 189 |
| Net loans and leases to deposits | 101.5752% | 692 |
| Net loans and leases to core deposits | 135.6854% | 245 |
| Total domestic deposits to total assets | 85.8395% | 2,350 |
| Equity capital to assets | 9.0662% | 4,509 |
| Core capital (leverage) ratio | 9.6361% | 3,959 |
| Tier 1 risk-based capital ratio | 9.2547% | 5,507 |
| Total risk-based capital ratio | 10.0953% | 5,516 |
| Memoranda: | ||
| Average total assets | $862,218,000 | 884 |
| Average earning assets | $813,599,330 | 864 |
| Average equity | $81,948,000 | 1,007 |
| Average total loans | $730,894,670 | 752 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 1,885 |
| Cost of funding earning assets | 0.8930% | 618 |
| Net interest margin | 3.6022% | 3,172 |
| Noninterest income to average assets | 0.2379% | 4,576 |
| Noninterest expense to average assets | 2.2179% | 4,375 |
| Loan and lease loss provision to assets | 0.3077% | 417 |
| Net operating income to assets | 0.9086% | 3,256 |
| Return on assets (ROA) | 0.9086% | 3,264 |
| Pretax return on assets | 1.1194% | 3,099 |
| Return on Equity (ROE) | 9.3162% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.3162% | 1,355 |
| Net charge-offs to loans | 0.0035% | 2,613 |
| Credit loss provision to net charge-offs | 10,583.3333% | 24 |
| Earnings coverage of net charge-offs (x) | 490.8333% | 127 |
| Efficiency ratio | 60.8482% | 3,959 |
| Assets per employee ($millions) | 8.8769% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8933% | 4,476 |
| Loan loss allowance to noncurrent loans | 319.7375% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 3,932 |
| Noncurrent loans to loans | 0.2794% | 3,769 |
| Net loans and leases to total assets | 83.3271% | 507 |
| Net loans and leases to deposits | 101.4527% | 615 |
| Net loans and leases to core deposits | 135.4621% | 266 |
| Total domestic deposits to total assets | 82.1339% | 3,918 |
| Equity capital to assets | 9.8746% | 3,725 |
| Core capital (leverage) ratio | 10.4436% | 3,016 |
| Tier 1 risk-based capital ratio | 10.6160% | 5,313 |
| Total risk-based capital ratio | 11.4220% | 5,388 |
| Memoranda: | ||
| Average total assets | $825,463,500 | 930 |
| Average earning assets | $780,755,500 | 901 |
| Average equity | $80,504,500 | 1,027 |
| Average total loans | $684,539,000 | 802 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,163 |
| Cost of funding earning assets | 0.7268% | 901 |
| Net interest margin | 3.6295% | 3,064 |
| Noninterest income to average assets | 0.3347% | 4,072 |
| Noninterest expense to average assets | 2.3715% | 4,153 |
| Loan and lease loss provision to assets | 0.2855% | 616 |
| Net operating income to assets | 0.6843% | 3,664 |
| Return on assets (ROA) | 0.6843% | 3,715 |
| Pretax return on assets | 1.0874% | 3,234 |
| Return on Equity (ROE) | 7.0257% | 3,264 |
| Retained earnings to average equity (ytd only) | 7.0257% | 1,063 |
| Net charge-offs to loans | 0.0296% | 3,206 |
| Credit loss provision to net charge-offs | 1,178.1250% | 315 |
| Earnings coverage of net charge-offs (x) | 56.6563% | 992 |
| Efficiency ratio | 63.3337% | 3,712 |
| Assets per employee ($millions) | 8.4128% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8643% | 4,614 |
| Loan loss allowance to noncurrent loans | 279.1096% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2531% | 3,871 |
| Noncurrent loans to loans | 0.3097% | 3,672 |
| Net loans and leases to total assets | 81.0203% | 831 |
| Net loans and leases to deposits | 97.2627% | 969 |
| Net loans and leases to core deposits | 128.4427% | 375 |
| Total domestic deposits to total assets | 83.3004% | 3,466 |
| Equity capital to assets | 9.6253% | 4,117 |
| Core capital (leverage) ratio | 10.4239% | 2,941 |
| Tier 1 risk-based capital ratio | 10.6505% | 5,317 |
| Total risk-based capital ratio | 11.4320% | 5,405 |
| Memoranda: | ||
| Average total assets | $660,265,600 | 1,103 |
| Average earning assets | $620,284,000 | 1,086 |
| Average equity | $64,306,600 | 1,232 |
| Average total loans | $539,670,400 | 947 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3593% | 2,079 |
| Cost of funding earning assets | 0.6829% | 1,058 |
| Net interest margin | 3.6763% | 2,837 |
| Noninterest income to average assets | 0.3672% | 3,897 |
| Noninterest expense to average assets | 2.4479% | 3,894 |
| Loan and lease loss provision to assets | 0.2502% | 693 |
| Net operating income to assets | 0.8071% | 3,496 |
| Return on assets (ROA) | 0.8071% | 3,541 |
| Pretax return on assets | 1.1149% | 3,250 |
| Return on Equity (ROE) | 8.2558% | 2,991 |
| Retained earnings to average equity (ytd only) | 8.2558% | 1,107 |
| Net charge-offs to loans | 0.0411% | 2,614 |
| Credit loss provision to net charge-offs | 745.2229% | 465 |
| Earnings coverage of net charge-offs (x) | 40.6557% | 1,283 |
| Efficiency ratio | 64.1988% | 3,507 |
| Assets per employee ($millions) | 7.8386% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 4,691 |
| Loan loss allowance to noncurrent loans | 104.5217% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 2,464 |
| Noncurrent loans to loans | 0.8320% | 2,285 |
| Net loans and leases to total assets | 80.6749% | 889 |
| Net loans and leases to deposits | 95.1184% | 1,190 |
| Net loans and leases to core deposits | 117.4401% | 687 |
| Total domestic deposits to total assets | 84.8152% | 2,795 |
| Equity capital to assets | 8.9460% | 4,958 |
| Core capital (leverage) ratio | 9.4334% | 4,249 |
| Tier 1 risk-based capital ratio | 10.0835% | 5,580 |
| Total risk-based capital ratio | 10.8808% | 5,633 |
| Memoranda: | ||
| Average total assets | $623,425,750 | 1,164 |
| Average earning assets | $584,334,000 | 1,145 |
| Average equity | $60,949,250 | 1,306 |
| Average total loans | $509,576,750 | 1,003 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,163 |
| Cost of funding earning assets | 0.6309% | 1,259 |
| Net interest margin | 3.6610% | 2,790 |
| Noninterest income to average assets | 0.3969% | 3,710 |
| Noninterest expense to average assets | 2.5101% | 3,714 |
| Loan and lease loss provision to assets | 0.2080% | 863 |
| Net operating income to assets | 0.8251% | 3,270 |
| Return on assets (ROA) | 0.8251% | 3,328 |
| Pretax return on assets | 1.1096% | 3,137 |
| Return on Equity (ROE) | 8.1655% | 2,934 |
| Retained earnings to average equity (ytd only) | 8.1655% | 1,096 |
| Net charge-offs to loans | 0.0615% | 2,043 |
| Credit loss provision to net charge-offs | 413.3333% | 769 |
| Earnings coverage of net charge-offs (x) | 26.1800% | 1,583 |
| Efficiency ratio | 65.5768% | 3,419 |
| Assets per employee ($millions) | 7.2389% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8389% | 4,846 |
| Loan loss allowance to noncurrent loans | 3,803.4188% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 5,094 |
| Noncurrent loans to loans | 0.0221% | 5,079 |
| Net loans and leases to total assets | 81.6423% | 721 |
| Net loans and leases to deposits | 97.2897% | 961 |
| Net loans and leases to core deposits | 119.9847% | 560 |
| Total domestic deposits to total assets | 83.9167% | 3,232 |
| Equity capital to assets | 9.5682% | 4,345 |
| Core capital (leverage) ratio | 10.3162% | 3,121 |
| Tier 1 risk-based capital ratio | 10.7418% | 5,365 |
| Total risk-based capital ratio | 11.5179% | 5,488 |
| Memoranda: | ||
| Average total assets | $596,077,670 | 1,209 |
| Average earning assets | $558,591,000 | 1,195 |
| Average equity | $60,228,670 | 1,318 |
| Average total loans | $488,059,000 | 1,053 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3344% | 1,868 |
| Cost of funding earning assets | 0.6132% | 1,281 |
| Net interest margin | 3.7211% | 2,413 |
| Noninterest income to average assets | 0.4441% | 3,343 |
| Noninterest expense to average assets | 2.6085% | 3,469 |
| Loan and lease loss provision to assets | 0.1364% | 1,396 |
| Net operating income to assets | 0.8888% | 2,821 |
| Return on assets (ROA) | 0.8888% | 2,866 |
| Pretax return on assets | 1.1832% | 2,665 |
| Return on Equity (ROE) | 8.5415% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.5415% | 1,259 |
| Net charge-offs to loans | 0.0951% | 1,410 |
| Credit loss provision to net charge-offs | 175.6757% | 1,103 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,615 |
| Efficiency ratio | 66.4056% | 3,428 |
| Assets per employee ($millions) | 6.9300% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 4,853 |
| Loan loss allowance to noncurrent loans | 4,064.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0412% | 5,143 |
| Noncurrent loans to loans | 0.0215% | 5,135 |
| Net loans and leases to total assets | 81.2597% | 664 |
| Net loans and leases to deposits | 99.0795% | 680 |
| Net loans and leases to core deposits | 126.3111% | 317 |
| Total domestic deposits to total assets | 82.0146% | 4,164 |
| Equity capital to assets | 10.6020% | 3,065 |
| Core capital (leverage) ratio | 10.6895% | 2,693 |
| Tier 1 risk-based capital ratio | 11.7801% | 4,866 |
| Total risk-based capital ratio | 12.5729% | 5,037 |
| Memoranda: | ||
| Average total assets | $571,986,500 | 1,258 |
| Average earning assets | $535,534,000 | 1,241 |
| Average equity | $59,521,000 | 1,329 |
| Average total loans | $466,869,000 | 1,097 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4096% | 1,788 |
| Cost of funding earning assets | 0.6257% | 1,170 |
| Net interest margin | 3.7839% | 2,375 |
| Noninterest income to average assets | 0.2820% | 4,726 |
| Noninterest expense to average assets | 2.6763% | 3,432 |
| Loan and lease loss provision to assets | 0.1240% | 1,997 |
| Net operating income to assets | 0.7450% | 3,561 |
| Return on assets (ROA) | 0.7450% | 3,676 |
| Pretax return on assets | 1.0513% | 3,290 |
| Return on Equity (ROE) | 8.2975% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.2975% | 760 |
| Net charge-offs to loans | 0.0806% | 2,537 |
| Credit loss provision to net charge-offs | 185.8790% | 1,514 |
| Earnings coverage of net charge-offs (x) | 17.6167% | 2,030 |
| Efficiency ratio | 69.4853% | 2,997 |
| Assets per employee ($millions) | 7.2875% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8506% | 4,957 |
| Loan loss allowance to noncurrent loans | 2,117.0213% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0559% | 5,115 |
| Noncurrent loans to loans | 0.0402% | 5,093 |
| Net loans and leases to total assets | 80.5831% | 797 |
| Net loans and leases to deposits | 97.6306% | 856 |
| Net loans and leases to core deposits | 125.8545% | 347 |
| Total domestic deposits to total assets | 82.5388% | 3,923 |
| Equity capital to assets | 10.2126% | 3,476 |
| Core capital (leverage) ratio | 10.9511% | 2,388 |
| Tier 1 risk-based capital ratio | 11.7379% | 4,901 |
| Total risk-based capital ratio | 12.5296% | 5,078 |
| Memoranda: | ||
| Average total assets | $520,120,800 | 1,319 |
| Average earning assets | $490,661,400 | 1,290 |
| Average equity | $46,700,600 | 1,620 |
| Average total loans | $430,516,200 | 1,139 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 1,668 |
| Cost of funding earning assets | 0.6323% | 1,126 |
| Net interest margin | 3.8271% | 2,238 |
| Noninterest income to average assets | 0.2713% | 4,835 |
| Noninterest expense to average assets | 2.7597% | 3,149 |
| Loan and lease loss provision to assets | 0.0816% | 2,571 |
| Net operating income to assets | 0.7372% | 3,658 |
| Return on assets (ROA) | 0.7372% | 3,792 |
| Pretax return on assets | 1.0422% | 3,462 |
| Return on Equity (ROE) | 8.5443% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.5443% | 964 |
| Net charge-offs to loans | 0.1004% | 1,947 |
| Credit loss provision to net charge-offs | 97.7918% | 2,411 |
| Earnings coverage of net charge-offs (x) | 13.4604% | 2,309 |
| Efficiency ratio | 71.0614% | 2,730 |
| Assets per employee ($millions) | 6.6989% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8258% | 5,114 |
| Loan loss allowance to noncurrent loans | 909.6535% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 5,032 |
| Noncurrent loans to loans | 0.0908% | 4,984 |
| Net loans and leases to total assets | 82.3526% | 570 |
| Net loans and leases to deposits | 98.7742% | 793 |
| Net loans and leases to core deposits | 113.4158% | 747 |
| Total domestic deposits to total assets | 83.3746% | 3,459 |
| Equity capital to assets | 8.4501% | 5,555 |
| Core capital (leverage) ratio | 8.6639% | 5,197 |
| Tier 1 risk-based capital ratio | 9.6717% | 5,859 |
| Total risk-based capital ratio | 10.4552% | 5,909 |
| Memoranda: | ||
| Average total assets | $506,223,250 | 1,360 |
| Average earning assets | $477,813,000 | 1,328 |
| Average equity | $43,677,000 | 1,710 |
| Average total loans | $421,168,750 | 1,160 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,618 |
| Cost of funding earning assets | 0.6241% | 1,168 |
| Net interest margin | 3.8437% | 2,161 |
| Noninterest income to average assets | 0.2442% | 5,020 |
| Noninterest expense to average assets | 2.7554% | 3,178 |
| Loan and lease loss provision to assets | 0.0887% | 2,368 |
| Net operating income to assets | 0.7201% | 3,698 |
| Return on assets (ROA) | 0.7201% | 3,853 |
| Pretax return on assets | 1.0360% | 3,455 |
| Return on Equity (ROE) | 8.2845% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.2845% | 1,079 |
| Net charge-offs to loans | 0.1007% | 1,826 |
| Credit loss provision to net charge-offs | 105.7692% | 2,022 |
| Earnings coverage of net charge-offs (x) | 13.4183% | 2,127 |
| Efficiency ratio | 71.0146% | 2,821 |
| Assets per employee ($millions) | 6.3324% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 5,023 |
| Loan loss allowance to noncurrent loans | 923.5000% | 625 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 5,095 |
| Noncurrent loans to loans | 0.0949% | 5,072 |
| Net loans and leases to total assets | 81.4234% | 692 |
| Net loans and leases to deposits | 98.6382% | 821 |
| Net loans and leases to core deposits | 114.2516% | 714 |
| Total domestic deposits to total assets | 82.5475% | 3,815 |
| Equity capital to assets | 8.6079% | 5,530 |
| Core capital (leverage) ratio | 8.9139% | 4,925 |
| Tier 1 risk-based capital ratio | 10.0196% | 5,851 |
| Total risk-based capital ratio | 10.8554% | 5,911 |
| Memoranda: | ||
| Average total assets | $496,328,000 | 1,397 |
| Average earning assets | $469,493,330 | 1,353 |
| Average equity | $43,141,000 | 1,730 |
| Average total loans | $413,221,670 | 1,176 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4586% | 1,635 |
| Cost of funding earning assets | 0.6085% | 1,278 |
| Net interest margin | 3.8501% | 2,103 |
| Noninterest income to average assets | 0.1647% | 5,508 |
| Noninterest expense to average assets | 2.6875% | 3,459 |
| Loan and lease loss provision to assets | 0.0697% | 2,556 |
| Net operating income to assets | 0.7491% | 3,487 |
| Return on assets (ROA) | 0.7491% | 3,593 |
| Pretax return on assets | 1.0794% | 3,173 |
| Return on Equity (ROE) | 8.5750% | 2,620 |
| Retained earnings to average equity (ytd only) | 8.5750% | 1,236 |
| Net charge-offs to loans | 0.0938% | 1,575 |
| Credit loss provision to net charge-offs | 88.5417% | 1,776 |
| Earnings coverage of net charge-offs (x) | 14.6042% | 1,691 |
| Efficiency ratio | 70.0491% | 3,118 |
| Assets per employee ($millions) | 6.1458% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 5,116 |
| Loan loss allowance to noncurrent loans | 510.5702% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1714% | 4,884 |
| Noncurrent loans to loans | 0.1727% | 4,791 |
| Net loans and leases to total assets | 82.9003% | 464 |
| Net loans and leases to deposits | 102.3466% | 490 |
| Net loans and leases to core deposits | 119.6071% | 477 |
| Total domestic deposits to total assets | 80.9995% | 4,495 |
| Equity capital to assets | 8.6674% | 5,446 |
| Core capital (leverage) ratio | 8.9816% | 4,880 |
| Tier 1 risk-based capital ratio | 10.2335% | 5,853 |
| Total risk-based capital ratio | 11.1015% | 5,914 |
| Memoranda: | ||
| Average total assets | $488,029,500 | 1,418 |
| Average earning assets | $465,437,500 | 1,368 |
| Average equity | $42,635,500 | 1,741 |
| Average total loans | $409,165,000 | 1,181 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 1,205 |
| Cost of funding earning assets | 0.6046% | 1,336 |
| Net interest margin | 4.0501% | 1,558 |
| Noninterest income to average assets | 0.2472% | 5,116 |
| Noninterest expense to average assets | 3.0276% | 2,452 |
| Loan and lease loss provision to assets | 0.3678% | 387 |
| Net operating income to assets | 0.4949% | 4,713 |
| Return on assets (ROA) | 0.5321% | 4,657 |
| Pretax return on assets | 0.7513% | 4,358 |
| Return on Equity (ROE) | 5.3220% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.3220% | 2,194 |
| Net charge-offs to loans | 0.1732% | 1,648 |
| Credit loss provision to net charge-offs | 259.9653% | 1,110 |
| Earnings coverage of net charge-offs (x) | 7.5390% | 3,067 |
| Efficiency ratio | 73.9474% | 2,589 |
| Assets per employee ($millions) | 6.4628% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9160% | 5,024 |
| Loan loss allowance to noncurrent loans | 524.5014% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1748% | 4,905 |
| Noncurrent loans to loans | 0.1746% | 4,791 |
| Net loans and leases to total assets | 83.2811% | 456 |
| Net loans and leases to deposits | 103.3038% | 476 |
| Net loans and leases to core deposits | 119.9267% | 480 |
| Total domestic deposits to total assets | 80.6177% | 4,582 |
| Equity capital to assets | 8.8079% | 5,301 |
| Core capital (leverage) ratio | 8.9299% | 4,967 |
| Tier 1 risk-based capital ratio | 10.3096% | 5,857 |
| Total risk-based capital ratio | 11.1865% | 5,915 |
| Memoranda: | ||
| Average total assets | $407,809,400 | 1,618 |
| Average earning assets | $387,373,800 | 1,575 |
| Average equity | $40,774,200 | 1,765 |
| Average total loans | $333,072,400 | 1,341 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,160 |
| Cost of funding earning assets | 0.6025% | 1,391 |
| Net interest margin | 4.0651% | 1,513 |
| Noninterest income to average assets | 0.2607% | 5,076 |
| Noninterest expense to average assets | 3.1009% | 2,218 |
| Loan and lease loss provision to assets | 0.4630% | 230 |
| Net operating income to assets | 0.3692% | 5,264 |
| Return on assets (ROA) | 0.4182% | 5,180 |
| Pretax return on assets | 0.6270% | 4,903 |
| Return on Equity (ROE) | 4.0358% | 5,021 |
| Retained earnings to average equity (ytd only) | 4.0358% | 3,592 |
| Net charge-offs to loans | 0.1553% | 1,585 |
| Credit loss provision to net charge-offs | 368.2065% | 808 |
| Earnings coverage of net charge-offs (x) | 8.0870% | 2,846 |
| Efficiency ratio | 75.3050% | 2,350 |
| Assets per employee ($millions) | 6.7742% | 955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9530% | 4,968 |
| Loan loss allowance to noncurrent loans | 444.3654% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2239% | 4,870 |
| Noncurrent loans to loans | 0.2145% | 4,793 |
| Net loans and leases to total assets | 80.9460% | 707 |
| Net loans and leases to deposits | 100.2330% | 647 |
| Net loans and leases to core deposits | 115.8070% | 599 |
| Total domestic deposits to total assets | 80.7579% | 4,532 |
| Equity capital to assets | 8.5483% | 5,679 |
| Core capital (leverage) ratio | 9.1258% | 4,844 |
| Tier 1 risk-based capital ratio | 10.4216% | 5,907 |
| Total risk-based capital ratio | 11.3711% | 5,950 |
| Memoranda: | ||
| Average total assets | $390,199,250 | 1,699 |
| Average earning assets | $370,233,750 | 1,653 |
| Average equity | $40,436,750 | 1,796 |
| Average total loans | $315,847,000 | 1,407 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8533% | 803 |
| Cost of funding earning assets | 0.6238% | 1,268 |
| Net interest margin | 4.2296% | 1,049 |
| Noninterest income to average assets | 0.2311% | 5,309 |
| Noninterest expense to average assets | 3.3050% | 1,689 |
| Loan and lease loss provision to assets | 0.3223% | 438 |
| Net operating income to assets | 0.4043% | 5,121 |
| Return on assets (ROA) | 0.4840% | 4,940 |
| Pretax return on assets | 0.7240% | 4,584 |
| Return on Equity (ROE) | 4.3322% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.3322% | 3,264 |
| Net charge-offs to loans | 0.1910% | 1,316 |
| Credit loss provision to net charge-offs | 209.3863% | 1,187 |
| Earnings coverage of net charge-offs (x) | 6.0253% | 2,840 |
| Efficiency ratio | 78.0885% | 2,058 |
| Assets per employee ($millions) | 5.3654% | 1,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 4,902 |
| Loan loss allowance to noncurrent loans | 723.8771% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 5,174 |
| Noncurrent loans to loans | 0.1371% | 5,198 |
| Net loans and leases to total assets | 81.3147% | 632 |
| Net loans and leases to deposits | 91.7963% | 1,395 |
| Net loans and leases to core deposits | 105.7893% | 1,076 |
| Total domestic deposits to total assets | 88.5816% | 1,368 |
| Equity capital to assets | 10.8257% | 3,081 |
| Core capital (leverage) ratio | 11.1433% | 2,297 |
| Tier 1 risk-based capital ratio | 13.2993% | 4,348 |
| Total risk-based capital ratio | 14.3008% | 4,402 |
| Memoranda: | ||
| Average total assets | $359,942,000 | 1,841 |
| Average earning assets | $340,508,000 | 1,801 |
| Average equity | $40,210,670 | 1,815 |
| Average total loans | $290,105,000 | 1,519 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 640 |
| Cost of funding earning assets | 0.6556% | 1,077 |
| Net interest margin | 4.2823% | 913 |
| Noninterest income to average assets | 0.2306% | 5,307 |
| Noninterest expense to average assets | 3.3840% | 1,515 |
| Loan and lease loss provision to assets | 0.3431% | 382 |
| Net operating income to assets | 0.3653% | 5,204 |
| Return on assets (ROA) | 0.5282% | 4,669 |
| Pretax return on assets | 0.7906% | 4,277 |
| Return on Equity (ROE) | 4.6516% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.6516% | 3,235 |
| Net charge-offs to loans | 0.2449% | 974 |
| Credit loss provision to net charge-offs | 175.5814% | 1,142 |
| Earnings coverage of net charge-offs (x) | 4.5581% | 2,476 |
| Efficiency ratio | 79.1656% | 2,011 |
| Assets per employee ($millions) | 5.2068% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9962% | 5,050 |
| Loan loss allowance to noncurrent loans | 687.8571% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 5,224 |
| Noncurrent loans to loans | 0.1448% | 5,262 |
| Net loans and leases to total assets | 79.9147% | 697 |
| Net loans and leases to deposits | 90.4945% | 1,338 |
| Net loans and leases to core deposits | 106.0652% | 936 |
| Total domestic deposits to total assets | 88.3089% | 1,653 |
| Equity capital to assets | 11.1921% | 2,762 |
| Core capital (leverage) ratio | 11.5420% | 1,967 |
| Tier 1 risk-based capital ratio | 14.3428% | 3,806 |
| Total risk-based capital ratio | 15.3707% | 3,861 |
| Memoranda: | ||
| Average total assets | $352,124,000 | 1,891 |
| Average earning assets | $332,529,500 | 1,848 |
| Average equity | $39,986,500 | 1,829 |
| Average total loans | $280,926,500 | 1,555 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 1,001 |
| Cost of funding earning assets | 0.7049% | 1,077 |
| Net interest margin | 4.1515% | 1,427 |
| Noninterest income to average assets | 0.2846% | 5,084 |
| Noninterest expense to average assets | 3.2252% | 2,145 |
| Loan and lease loss provision to assets | 0.1872% | 1,370 |
| Net operating income to assets | 0.5365% | 4,656 |
| Return on assets (ROA) | 0.5599% | 4,653 |
| Pretax return on assets | 0.8002% | 4,263 |
| Return on Equity (ROE) | 6.1018% | 4,093 |
| Retained earnings to average equity (ytd only) | 6.1018% | 1,856 |
| Net charge-offs to loans | 0.1193% | 2,847 |
| Credit loss provision to net charge-offs | 197.3064% | 1,252 |
| Earnings coverage of net charge-offs (x) | 10.0539% | 2,663 |
| Efficiency ratio | 77.1765% | 2,330 |
| Assets per employee ($millions) | 5.2269% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 4,967 |
| Loan loss allowance to noncurrent loans | 544.1815% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.2148% | 5,166 |
| Noncurrent loans to loans | 0.1865% | 5,163 |
| Net loans and leases to total assets | 78.0037% | 1,000 |
| Net loans and leases to deposits | 88.9996% | 1,618 |
| Net loans and leases to core deposits | 105.9646% | 1,025 |
| Total domestic deposits to total assets | 87.6449% | 1,959 |
| Equity capital to assets | 11.5263% | 2,411 |
| Core capital (leverage) ratio | 11.9938% | 1,618 |
| Tier 1 risk-based capital ratio | 13.6841% | 4,307 |
| Total risk-based capital ratio | 14.6334% | 4,415 |
| Memoranda: | ||
| Average total assets | $313,064,000 | 2,076 |
| Average earning assets | $293,678,000 | 2,043 |
| Average equity | $28,729,400 | 2,362 |
| Average total loans | $248,998,400 | 1,694 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8559% | 1,013 |
| Cost of funding earning assets | 0.7102% | 1,107 |
| Net interest margin | 4.1456% | 1,447 |
| Noninterest income to average assets | 0.3112% | 4,954 |
| Noninterest expense to average assets | 3.2969% | 1,903 |
| Loan and lease loss provision to assets | 0.2023% | 1,167 |
| Net operating income to assets | 0.4775% | 4,956 |
| Return on assets (ROA) | 0.5091% | 4,907 |
| Pretax return on assets | 0.7403% | 4,560 |
| Return on Equity (ROE) | 5.9809% | 4,247 |
| Retained earnings to average equity (ytd only) | 5.9809% | 2,421 |
| Net charge-offs to loans | 0.1376% | 2,420 |
| Credit loss provision to net charge-offs | 184.4622% | 1,356 |
| Earnings coverage of net charge-offs (x) | 8.1753% | 2,844 |
| Efficiency ratio | 78.6161% | 2,096 |
| Assets per employee ($millions) | 5.5580% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 4,999 |
| Loan loss allowance to noncurrent loans | 127.8360% | 3,086 |
| Noncurrent assets plus other real estate owned to assets | 0.7234% | 3,639 |
| Noncurrent loans to loans | 0.8200% | 3,523 |
| Net loans and leases to total assets | 78.5336% | 893 |
| Net loans and leases to deposits | 87.7835% | 1,698 |
| Net loans and leases to core deposits | 104.9767% | 1,032 |
| Total domestic deposits to total assets | 89.4628% | 1,002 |
| Equity capital to assets | 8.3275% | 5,919 |
| Core capital (leverage) ratio | 8.4918% | 5,668 |
| Tier 1 risk-based capital ratio | 9.6926% | 6,409 |
| Total risk-based capital ratio | 10.6564% | 6,424 |
| Memoranda: | ||
| Average total assets | $305,086,000 | 2,143 |
| Average earning assets | $285,723,250 | 2,105 |
| Average equity | $25,971,000 | 2,575 |
| Average total loans | $243,284,750 | 1,745 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8659% | 967 |
| Cost of funding earning assets | 0.7097% | 1,143 |
| Net interest margin | 4.1563% | 1,359 |
| Noninterest income to average assets | 0.2519% | 5,396 |
| Noninterest expense to average assets | 3.2941% | 1,938 |
| Loan and lease loss provision to assets | 0.3094% | 627 |
| Net operating income to assets | 0.3581% | 5,379 |
| Return on assets (ROA) | 0.3581% | 5,447 |
| Pretax return on assets | 0.5459% | 5,146 |
| Return on Equity (ROE) | 4.1745% | 5,075 |
| Retained earnings to average equity (ytd only) | 4.1745% | 3,514 |
| Net charge-offs to loans | 0.2074% | 1,779 |
| Credit loss provision to net charge-offs | 186.6935% | 1,235 |
| Earnings coverage of net charge-offs (x) | 5.1613% | 2,975 |
| Efficiency ratio | 79.3881% | 2,109 |
| Assets per employee ($millions) | 5.5414% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 5,010 |
| Loan loss allowance to noncurrent loans | 126.6509% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 3,731 |
| Noncurrent loans to loans | 0.8483% | 3,582 |
| Net loans and leases to total assets | 78.2718% | 881 |
| Net loans and leases to deposits | 85.7857% | 1,835 |
| Net loans and leases to core deposits | 102.9619% | 1,084 |
| Total domestic deposits to total assets | 91.2411% | 328 |
| Equity capital to assets | 8.2989% | 5,952 |
| Core capital (leverage) ratio | 8.5122% | 5,624 |
| Tier 1 risk-based capital ratio | 9.9283% | 6,421 |
| Total risk-based capital ratio | 10.9420% | 6,452 |
| Memoranda: | ||
| Average total assets | $299,326,670 | 2,181 |
| Average earning assets | $280,685,670 | 2,138 |
| Average equity | $25,679,670 | 2,595 |
| Average total loans | $239,097,670 | 1,764 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,222 |
| Cost of funding earning assets | 0.6939% | 1,286 |
| Net interest margin | 4.0212% | 1,679 |
| Noninterest income to average assets | 0.2061% | 5,705 |
| Noninterest expense to average assets | 3.2955% | 1,951 |
| Loan and lease loss provision to assets | 0.5332% | 266 |
| Net operating income to assets | 0.0935% | 6,044 |
| Return on assets (ROA) | 0.0935% | 6,073 |
| Pretax return on assets | 0.1443% | 6,017 |
| Return on Equity (ROE) | 1.0703% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.0703% | 5,170 |
| Net charge-offs to loans | -0.0291% | 5,540 |
| Credit loss provision to net charge-offs | -2,282.3529% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9471% | 1,806 |
| Assets per employee ($millions) | 5.4429% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1920% | 4,671 |
| Loan loss allowance to noncurrent loans | 126.2626% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.8238% | 3,673 |
| Noncurrent loans to loans | 0.9441% | 3,527 |
| Net loans and leases to total assets | 78.1864% | 753 |
| Net loans and leases to deposits | 85.7018% | 1,637 |
| Net loans and leases to core deposits | 104.3424% | 837 |
| Total domestic deposits to total assets | 91.2308% | 474 |
| Equity capital to assets | 8.3772% | 5,763 |
| Core capital (leverage) ratio | 9.0439% | 4,943 |
| Tier 1 risk-based capital ratio | 9.9916% | 6,483 |
| Total risk-based capital ratio | 11.1059% | 6,484 |
| Memoranda: | ||
| Average total assets | $291,059,500 | 2,225 |
| Average earning assets | $272,656,000 | 2,194 |
| Average equity | $25,413,000 | 2,610 |
| Average total loans | $233,689,000 | 1,800 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8420% | 1,222 |
| Cost of funding earning assets | 0.7928% | 1,251 |
| Net interest margin | 4.0492% | 1,806 |
| Noninterest income to average assets | 0.3054% | 5,156 |
| Noninterest expense to average assets | 3.4654% | 1,742 |
| Loan and lease loss provision to assets | 0.0826% | 3,466 |
| Net operating income to assets | 0.3692% | 5,264 |
| Return on assets (ROA) | 0.3737% | 5,362 |
| Pretax return on assets | 0.5589% | 5,011 |
| Return on Equity (ROE) | 4.0678% | 5,078 |
| Retained earnings to average equity (ytd only) | 4.0678% | 3,289 |
| Net charge-offs to loans | 0.0436% | 4,607 |
| Credit loss provision to net charge-offs | 233.3333% | 984 |
| Earnings coverage of net charge-offs (x) | 17.9271% | 1,689 |
| Efficiency ratio | 84.5164% | 1,576 |
| Assets per employee ($millions) | 5.0421% | 2,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,197 |
| Loan loss allowance to noncurrent loans | 107.4380% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9134% | 3,608 |
| Noncurrent loans to loans | 1.0164% | 3,477 |
| Net loans and leases to total assets | 80.6728% | 528 |
| Net loans and leases to deposits | 89.3574% | 1,303 |
| Net loans and leases to core deposits | 111.3186% | 561 |
| Total domestic deposits to total assets | 90.2811% | 923 |
| Equity capital to assets | 9.1203% | 4,900 |
| Core capital (leverage) ratio | 9.5371% | 4,208 |
| Tier 1 risk-based capital ratio | 10.6273% | 6,322 |
| Total risk-based capital ratio | 11.6502% | 6,351 |
| Memoranda: | ||
| Average total assets | $271,080,400 | 2,336 |
| Average earning assets | $254,048,000 | 2,295 |
| Average equity | $24,902,800 | 2,636 |
| Average total loans | $220,107,800 | 1,860 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8350% | 1,275 |
| Cost of funding earning assets | 0.8161% | 1,231 |
| Net interest margin | 4.0190% | 1,881 |
| Noninterest income to average assets | 0.2894% | 5,376 |
| Noninterest expense to average assets | 3.5207% | 1,564 |
| Loan and lease loss provision to assets | 0.0841% | 3,376 |
| Net operating income to assets | 0.2939% | 5,638 |
| Return on assets (ROA) | 0.2998% | 5,730 |
| Pretax return on assets | 0.4576% | 5,483 |
| Return on Equity (ROE) | 3.2573% | 5,511 |
| Retained earnings to average equity (ytd only) | 3.2573% | 4,360 |
| Net charge-offs to loans | 0.0311% | 4,512 |
| Credit loss provision to net charge-offs | 333.3333% | 770 |
| Earnings coverage of net charge-offs (x) | 21.1171% | 1,562 |
| Efficiency ratio | 86.8562% | 1,277 |
| Assets per employee ($millions) | 5.1228% | 2,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1213% | 5,250 |
| Loan loss allowance to noncurrent loans | 112.9936% | 3,173 |
| Noncurrent assets plus other real estate owned to assets | 0.8884% | 3,905 |
| Noncurrent loans to loans | 0.9924% | 3,823 |
| Net loans and leases to total assets | 79.9266% | 557 |
| Net loans and leases to deposits | 88.5316% | 1,310 |
| Net loans and leases to core deposits | 114.4407% | 434 |
| Total domestic deposits to total assets | 90.2802% | 851 |
| Equity capital to assets | 9.1946% | 4,943 |
| Core capital (leverage) ratio | 9.4437% | 4,483 |
| Tier 1 risk-based capital ratio | 10.7590% | 6,376 |
| Total risk-based capital ratio | 11.8096% | 6,408 |
| Memoranda: | ||
| Average total assets | $269,522,000 | 2,370 |
| Average earning assets | $252,428,750 | 2,319 |
| Average equity | $24,805,500 | 2,666 |
| Average total loans | $218,588,000 | 1,873 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8571% | 1,196 |
| Cost of funding earning assets | 0.8259% | 1,280 |
| Net interest margin | 4.0312% | 1,758 |
| Noninterest income to average assets | 0.2990% | 5,313 |
| Noninterest expense to average assets | 3.5587% | 1,483 |
| Loan and lease loss provision to assets | 0.1079% | 2,992 |
| Net operating income to assets | 0.2694% | 5,719 |
| Return on assets (ROA) | 0.2782% | 5,809 |
| Pretax return on assets | 0.4218% | 5,591 |
| Return on Equity (ROE) | 3.0219% | 5,614 |
| Retained earnings to average equity (ytd only) | 3.0219% | 4,396 |
| Net charge-offs to loans | 0.0815% | 3,554 |
| Credit loss provision to net charge-offs | 162.9213% | 1,441 |
| Earnings coverage of net charge-offs (x) | 7.7978% | 2,500 |
| Efficiency ratio | 87.3311% | 1,294 |
| Assets per employee ($millions) | 5.1058% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 5,541 |
| Loan loss allowance to noncurrent loans | 109.0000% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 3,957 |
| Noncurrent loans to loans | 0.9837% | 3,972 |
| Net loans and leases to total assets | 83.3331% | 277 |
| Net loans and leases to deposits | 92.9376% | 885 |
| Net loans and leases to core deposits | 121.9698% | 289 |
| Total domestic deposits to total assets | 89.6657% | 1,227 |
| Equity capital to assets | 9.3434% | 4,795 |
| Core capital (leverage) ratio | 9.2426% | 4,633 |
| Tier 1 risk-based capital ratio | 10.4526% | 6,522 |
| Total risk-based capital ratio | 11.4583% | 6,560 |
| Memoranda: | ||
| Average total assets | $268,860,000 | 2,383 |
| Average earning assets | $251,837,000 | 2,333 |
| Average equity | $24,752,670 | 2,686 |
| Average total loans | $218,294,670 | 1,870 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7746% | 1,340 |
| Cost of funding earning assets | 0.8313% | 1,358 |
| Net interest margin | 3.9434% | 1,966 |
| Noninterest income to average assets | 0.3016% | 5,288 |
| Noninterest expense to average assets | 3.5544% | 1,507 |
| Loan and lease loss provision to assets | 0.1035% | 2,955 |
| Net operating income to assets | 0.2288% | 5,795 |
| Return on assets (ROA) | 0.1981% | 6,009 |
| Pretax return on assets | 0.2942% | 5,865 |
| Return on Equity (ROE) | 2.1678% | 5,880 |
| Retained earnings to average equity (ytd only) | 2.1678% | 4,916 |
| Net charge-offs to loans | 0.0464% | 3,382 |
| Credit loss provision to net charge-offs | 280.0000% | 845 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,634 |
| Efficiency ratio | 88.9053% | 1,242 |
| Assets per employee ($millions) | 4.8140% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 5,580 |
| Loan loss allowance to noncurrent loans | 101.7910% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 4,018 |
| Noncurrent loans to loans | 1.0871% | 3,978 |
| Net loans and leases to total assets | 79.1344% | 510 |
| Net loans and leases to deposits | 89.1320% | 1,037 |
| Net loans and leases to core deposits | 116.1686% | 351 |
| Total domestic deposits to total assets | 88.7834% | 1,811 |
| Equity capital to assets | 9.1961% | 5,258 |
| Core capital (leverage) ratio | 9.0806% | 4,747 |
| Tier 1 risk-based capital ratio | 10.9431% | 6,432 |
| Total risk-based capital ratio | 12.0034% | 6,470 |
| Memoranda: | ||
| Average total assets | $270,538,500 | 2,388 |
| Average earning assets | $253,590,000 | 2,342 |
| Average equity | $24,725,500 | 2,729 |
| Average total loans | $215,617,000 | 1,906 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 2,106 |
| Cost of funding earning assets | 0.9000% | 1,937 |
| Net interest margin | 3.9240% | 2,725 |
| Noninterest income to average assets | 0.3188% | 5,176 |
| Noninterest expense to average assets | 3.5298% | 1,757 |
| Loan and lease loss provision to assets | 0.6847% | 767 |
| Net operating income to assets | -0.1405% | 6,329 |
| Return on assets (ROA) | 0.0168% | 6,281 |
| Pretax return on assets | 0.0322% | 6,246 |
| Return on Equity (ROE) | 0.1840% | 6,278 |
| Retained earnings to average equity (ytd only) | 0.1840% | 5,753 |
| Net charge-offs to loans | 1.4832% | 606 |
| Credit loss provision to net charge-offs | 59.4928% | 4,462 |
| Earnings coverage of net charge-offs (x) | 0.4093% | 5,279 |
| Efficiency ratio | 88.2259% | 1,222 |
| Assets per employee ($millions) | 4.6016% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0867% | 5,605 |
| Loan loss allowance to noncurrent loans | 331.2588% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 5,896 |
| Noncurrent loans to loans | 0.3281% | 5,664 |
| Net loans and leases to total assets | 78.5182% | 618 |
| Net loans and leases to deposits | 88.3220% | 1,227 |
| Net loans and leases to core deposits | 116.1851% | 353 |
| Total domestic deposits to total assets | 88.9000% | 1,641 |
| Equity capital to assets | 9.0830% | 5,421 |
| Core capital (leverage) ratio | 9.3838% | 4,278 |
| Tier 1 risk-based capital ratio | 10.8332% | 6,411 |
| Total risk-based capital ratio | 11.8709% | 6,469 |
| Memoranda: | ||
| Average total assets | $267,265,800 | 2,368 |
| Average earning assets | $250,789,400 | 2,316 |
| Average equity | $24,459,400 | 2,715 |
| Average total loans | $207,383,600 | 1,944 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8199% | 2,317 |
| Cost of funding earning assets | 0.9275% | 1,997 |
| Net interest margin | 3.8924% | 2,936 |
| Noninterest income to average assets | 0.3145% | 5,265 |
| Noninterest expense to average assets | 3.5455% | 1,661 |
| Loan and lease loss provision to assets | 0.8064% | 582 |
| Net operating income to assets | -0.2608% | 6,541 |
| Return on assets (ROA) | -0.0616% | 6,469 |
| Pretax return on assets | -0.0912% | 6,474 |
| Return on Equity (ROE) | -0.6719% | 6,473 |
| Retained earnings to average equity (ytd only) | -0.6719% | 6,213 |
| Net charge-offs to loans | 1.9959% | 364 |
| Credit loss provision to net charge-offs | 52.3748% | 4,338 |
| Earnings coverage of net charge-offs (x) | 0.2742% | 5,191 |
| Efficiency ratio | 89.3587% | 1,081 |
| Assets per employee ($millions) | 4.2652% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 6,057 |
| Loan loss allowance to noncurrent loans | 223.3438% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 5,758 |
| Noncurrent loans to loans | 0.4503% | 5,547 |
| Net loans and leases to total assets | 83.0777% | 275 |
| Net loans and leases to deposits | 94.3160% | 765 |
| Net loans and leases to core deposits | 120.3583% | 303 |
| Total domestic deposits to total assets | 88.0844% | 1,999 |
| Equity capital to assets | 9.7165% | 4,902 |
| Core capital (leverage) ratio | 9.7037% | 3,954 |
| Tier 1 risk-based capital ratio | 10.8664% | 6,535 |
| Total risk-based capital ratio | 11.8191% | 6,624 |
| Memoranda: | ||
| Average total assets | $266,208,500 | 2,407 |
| Average earning assets | $249,847,250 | 2,347 |
| Average equity | $24,409,250 | 2,741 |
| Average total loans | $205,350,750 | 1,980 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 2,775 |
| Cost of funding earning assets | 0.9710% | 1,927 |
| Net interest margin | 3.7639% | 3,520 |
| Noninterest income to average assets | 0.2833% | 5,547 |
| Noninterest expense to average assets | 3.4627% | 1,874 |
| Loan and lease loss provision to assets | 1.1436% | 368 |
| Net operating income to assets | -0.5173% | 6,740 |
| Return on assets (ROA) | -0.2324% | 6,631 |
| Pretax return on assets | -0.3505% | 6,673 |
| Return on Equity (ROE) | -2.5825% | 6,650 |
| Retained earnings to average equity (ytd only) | -2.5825% | 6,417 |
| Net charge-offs to loans | 2.5378% | 274 |
| Credit loss provision to net charge-offs | 60.0542% | 3,796 |
| Earnings coverage of net charge-offs (x) | 0.1898% | 4,978 |
| Efficiency ratio | 90.5460% | 1,034 |
| Assets per employee ($millions) | 4.3245% | 3,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 5,042 |
| Loan loss allowance to noncurrent loans | 43.1780% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 2.3611% | 2,362 |
| Noncurrent loans to loans | 2.9387% | 2,035 |
| Net loans and leases to total assets | 79.3230% | 583 |
| Net loans and leases to deposits | 88.2587% | 1,346 |
| Net loans and leases to core deposits | 113.0674% | 476 |
| Total domestic deposits to total assets | 89.8756% | 1,000 |
| Equity capital to assets | 9.6284% | 4,869 |
| Core capital (leverage) ratio | 9.2153% | 4,586 |
| Tier 1 risk-based capital ratio | 11.0949% | 6,453 |
| Total risk-based capital ratio | 12.2779% | 6,459 |
| Memoranda: | ||
| Average total assets | $271,063,330 | 2,367 |
| Average earning assets | $255,001,000 | 2,309 |
| Average equity | $24,395,330 | 2,730 |
| Average total loans | $203,406,330 | 1,992 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 3,603 |
| Cost of funding earning assets | 1.0338% | 1,780 |
| Net interest margin | 3.5446% | 4,513 |
| Noninterest income to average assets | 0.2390% | 5,916 |
| Noninterest expense to average assets | 3.2761% | 2,369 |
| Loan and lease loss provision to assets | 0.8535% | 540 |
| Net operating income to assets | -0.3531% | 6,734 |
| Return on assets (ROA) | 0.1878% | 6,162 |
| Pretax return on assets | 0.2874% | 6,007 |
| Return on Equity (ROE) | 2.1535% | 6,020 |
| Retained earnings to average equity (ytd only) | 2.1535% | 5,185 |
| Net charge-offs to loans | 0.9611% | 1,077 |
| Credit loss provision to net charge-offs | 122.1996% | 1,954 |
| Earnings coverage of net charge-offs (x) | 0.4420% | 4,124 |
| Efficiency ratio | 91.3889% | 987 |
| Assets per employee ($millions) | 4.9983% | 2,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 3,030 |
| Loan loss allowance to noncurrent loans | 37.1681% | 5,792 |
| Noncurrent assets plus other real estate owned to assets | 3.5527% | 1,612 |
| Noncurrent loans to loans | 4.8142% | 1,179 |
| Net loans and leases to total assets | 72.4744% | 1,321 |
| Net loans and leases to deposits | 80.3605% | 2,158 |
| Net loans and leases to core deposits | 102.6646% | 828 |
| Total domestic deposits to total assets | 90.1866% | 985 |
| Equity capital to assets | 8.7398% | 5,823 |
| Core capital (leverage) ratio | 8.7362% | 5,238 |
| Tier 1 risk-based capital ratio | 11.1807% | 6,458 |
| Total risk-based capital ratio | 12.4361% | 6,439 |
| Memoranda: | ||
| Average total assets | $281,185,000 | 2,307 |
| Average earning assets | $265,417,500 | 2,236 |
| Average equity | $24,518,000 | 2,709 |
| Average total loans | $204,352,000 | 1,988 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2868% | 1,743 |
| Cost of funding earning assets | 1.1596% | 2,283 |
| Net interest margin | 4.1272% | 2,322 |
| Noninterest income to average assets | 0.3211% | 5,249 |
| Noninterest expense to average assets | 3.4279% | 2,176 |
| Loan and lease loss provision to assets | 0.2011% | 4,172 |
| Net operating income to assets | 0.3924% | 4,901 |
| Return on assets (ROA) | 0.4212% | 4,959 |
| Pretax return on assets | 0.6413% | 4,551 |
| Return on Equity (ROE) | 4.5687% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.5687% | 2,926 |
| Net charge-offs to loans | 0.3176% | 3,803 |
| Credit loss provision to net charge-offs | 81.3772% | 4,390 |
| Earnings coverage of net charge-offs (x) | 3.2316% | 3,595 |
| Efficiency ratio | 81.1019% | 2,149 |
| Assets per employee ($millions) | 5.5386% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7744% | 2,951 |
| Loan loss allowance to noncurrent loans | 69.2337% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.1174% | 2,830 |
| Noncurrent loans to loans | 2.5629% | 2,564 |
| Net loans and leases to total assets | 70.2960% | 1,970 |
| Net loans and leases to deposits | 79.5321% | 2,609 |
| Net loans and leases to core deposits | 105.5496% | 814 |
| Total domestic deposits to total assets | 88.3870% | 1,914 |
| Equity capital to assets | 8.6994% | 5,901 |
| Core capital (leverage) ratio | 8.8377% | 5,044 |
| Tier 1 risk-based capital ratio | 11.2919% | 6,297 |
| Total risk-based capital ratio | 12.5472% | 6,272 |
| Memoranda: | ||
| Average total assets | $258,523,400 | 2,440 |
| Average earning assets | $244,646,400 | 2,350 |
| Average equity | $23,836,200 | 2,687 |
| Average total loans | $201,211,200 | 2,032 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4530% | 1,387 |
| Cost of funding earning assets | 1.1623% | 2,549 |
| Net interest margin | 4.2906% | 1,753 |
| Noninterest income to average assets | 0.3289% | 5,235 |
| Noninterest expense to average assets | 3.4909% | 1,960 |
| Loan and lease loss provision to assets | 0.0528% | 5,787 |
| Net operating income to assets | 0.5520% | 4,316 |
| Return on assets (ROA) | 0.5908% | 4,312 |
| Pretax return on assets | 0.9065% | 3,735 |
| Return on Equity (ROE) | 6.3080% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.3080% | 2,361 |
| Net charge-offs to loans | 0.4299% | 2,998 |
| Credit loss provision to net charge-offs | 15.4321% | 5,616 |
| Earnings coverage of net charge-offs (x) | 2.6296% | 3,800 |
| Efficiency ratio | 79.5094% | 2,332 |
| Assets per employee ($millions) | 5.1038% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 3,721 |
| Loan loss allowance to noncurrent loans | 48.7195% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 2.7924% | 2,328 |
| Noncurrent loans to loans | 3.2598% | 2,127 |
| Net loans and leases to total assets | 73.7339% | 1,367 |
| Net loans and leases to deposits | 84.3138% | 1,949 |
| Net loans and leases to core deposits | 117.6808% | 447 |
| Total domestic deposits to total assets | 87.4517% | 2,375 |
| Equity capital to assets | 9.2227% | 5,477 |
| Core capital (leverage) ratio | 9.4214% | 4,270 |
| Tier 1 risk-based capital ratio | 11.7653% | 6,059 |
| Total risk-based capital ratio | 13.0186% | 6,053 |
| Memoranda: | ||
| Average total assets | $252,537,500 | 2,506 |
| Average earning assets | $239,056,750 | 2,415 |
| Average equity | $23,652,000 | 2,706 |
| Average total loans | $200,976,500 | 2,054 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5232% | 1,245 |
| Cost of funding earning assets | 1.1527% | 2,883 |
| Net interest margin | 4.3705% | 1,461 |
| Noninterest income to average assets | 0.2876% | 5,581 |
| Noninterest expense to average assets | 3.8123% | 1,332 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3980% | 4,959 |
| Return on assets (ROA) | 0.3996% | 5,100 |
| Pretax return on assets | 0.6107% | 4,715 |
| Return on Equity (ROE) | 4.2435% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.2435% | 3,496 |
| Net charge-offs to loans | 0.4026% | 2,943 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.8596% | 3,939 |
| Efficiency ratio | 86.2402% | 1,579 |
| Assets per employee ($millions) | 5.0316% | 2,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5789% | 3,786 |
| Loan loss allowance to noncurrent loans | 190.4789% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 1.0763% | 4,729 |
| Noncurrent loans to loans | 0.8289% | 5,270 |
| Net loans and leases to total assets | 80.1876% | 512 |
| Net loans and leases to deposits | 91.7556% | 1,084 |
| Net loans and leases to core deposits | 133.3405% | 232 |
| Total domestic deposits to total assets | 87.3926% | 2,524 |
| Equity capital to assets | 9.2856% | 5,160 |
| Core capital (leverage) ratio | 9.4044% | 4,106 |
| Tier 1 risk-based capital ratio | 10.6607% | 6,733 |
| Total risk-based capital ratio | 11.9137% | 6,716 |
| Memoranda: | ||
| Average total assets | $248,250,330 | 2,570 |
| Average earning assets | $234,757,330 | 2,476 |
| Average equity | $23,377,000 | 2,715 |
| Average total loans | $201,686,330 | 2,070 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5685% | 1,129 |
| Cost of funding earning assets | 1.2039% | 2,784 |
| Net interest margin | 4.3646% | 1,378 |
| Noninterest income to average assets | 0.2622% | 5,789 |
| Noninterest expense to average assets | 3.7842% | 1,362 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3945% | 4,979 |
| Return on assets (ROA) | 0.3999% | 5,038 |
| Pretax return on assets | 0.6097% | 4,649 |
| Return on Equity (ROE) | 4.2157% | 4,791 |
| Retained earnings to average equity (ytd only) | 4.2157% | 3,635 |
| Net charge-offs to loans | 0.2505% | 3,081 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 2.9597% | 2,900 |
| Efficiency ratio | 86.2855% | 1,684 |
| Assets per employee ($millions) | 4.9651% | 2,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7596% | 3,137 |
| Loan loss allowance to noncurrent loans | 264.6233% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0203% | 4,866 |
| Noncurrent loans to loans | 0.6649% | 5,701 |
| Net loans and leases to total assets | 80.5790% | 465 |
| Net loans and leases to deposits | 92.3943% | 983 |
| Net loans and leases to core deposits | 138.2974% | 202 |
| Total domestic deposits to total assets | 87.2120% | 2,822 |
| Equity capital to assets | 9.4120% | 4,551 |
| Core capital (leverage) ratio | 9.5023% | 3,801 |
| Tier 1 risk-based capital ratio | 10.7659% | 6,655 |
| Total risk-based capital ratio | 12.0211% | 6,639 |
| Memoranda: | ||
| Average total assets | $244,069,500 | 2,625 |
| Average earning assets | $230,584,500 | 2,540 |
| Average equity | $23,151,500 | 2,731 |
| Average total loans | $197,993,500 | 2,125 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5809% | 1,975 |
| Cost of funding earning assets | 1.6269% | 1,920 |
| Net interest margin | 3.9540% | 3,246 |
| Noninterest income to average assets | 0.2460% | 6,035 |
| Noninterest expense to average assets | 3.2766% | 2,810 |
| Loan and lease loss provision to assets | 0.9381% | 1,740 |
| Net operating income to assets | 0.0819% | 5,635 |
| Return on assets (ROA) | 0.1723% | 5,533 |
| Pretax return on assets | -0.0567% | 5,962 |
| Return on Equity (ROE) | 1.8329% | 5,452 |
| Retained earnings to average equity (ytd only) | 1.8329% | 4,581 |
| Net charge-offs to loans | 0.4974% | 3,643 |
| Credit loss provision to net charge-offs | 240.7014% | 1,195 |
| Earnings coverage of net charge-offs (x) | 1.8990% | 4,301 |
| Efficiency ratio | 81.5735% | 2,216 |
| Assets per employee ($millions) | 4.7976% | 2,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9271% | 2,478 |
| Loan loss allowance to noncurrent loans | 245.9854% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 1.2135% | 4,601 |
| Noncurrent loans to loans | 0.7834% | 5,471 |
| Net loans and leases to total assets | 78.6445% | 857 |
| Net loans and leases to deposits | 92.0951% | 1,258 |
| Net loans and leases to core deposits | 135.0132% | 271 |
| Total domestic deposits to total assets | 85.3949% | 3,665 |
| Equity capital to assets | 9.5618% | 4,324 |
| Core capital (leverage) ratio | 9.3862% | 3,869 |
| Tier 1 risk-based capital ratio | 11.0810% | 6,266 |
| Total risk-based capital ratio | 12.3376% | 6,233 |
| Memoranda: | ||
| Average total assets | $241,437,400 | 2,620 |
| Average earning assets | $230,248,400 | 2,523 |
| Average equity | $22,696,200 | 2,804 |
| Average total loans | $189,183,800 | 2,254 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5203% | 2,352 |
| Cost of funding earning assets | 1.6985% | 1,885 |
| Net interest margin | 3.8218% | 3,873 |
| Noninterest income to average assets | 0.2255% | 6,287 |
| Noninterest expense to average assets | 3.1675% | 3,042 |
| Loan and lease loss provision to assets | 0.9207% | 1,634 |
| Net operating income to assets | 0.0699% | 5,837 |
| Return on assets (ROA) | 0.1902% | 5,699 |
| Pretax return on assets | -0.0198% | 6,116 |
| Return on Equity (ROE) | 2.0321% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.0321% | 4,940 |
| Net charge-offs to loans | 0.6518% | 2,802 |
| Credit loss provision to net charge-offs | 181.3246% | 2,014 |
| Earnings coverage of net charge-offs (x) | 1.4039% | 4,680 |
| Efficiency ratio | 81.6283% | 2,105 |
| Assets per employee ($millions) | 4.6518% | 2,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6364% | 3,386 |
| Loan loss allowance to noncurrent loans | 1,800.5747% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.7309% | 5,647 |
| Noncurrent loans to loans | 0.0909% | 7,004 |
| Net loans and leases to total assets | 79.3810% | 842 |
| Net loans and leases to deposits | 94.1441% | 1,184 |
| Net loans and leases to core deposits | 139.5238% | 262 |
| Total domestic deposits to total assets | 84.3185% | 3,951 |
| Equity capital to assets | 9.6918% | 4,556 |
| Core capital (leverage) ratio | 9.5983% | 3,767 |
| Tier 1 risk-based capital ratio | 11.1961% | 6,193 |
| Total risk-based capital ratio | 12.4495% | 6,187 |
| Memoranda: | ||
| Average total assets | $241,826,250 | 2,662 |
| Average earning assets | $231,261,750 | 2,549 |
| Average equity | $22,636,000 | 2,853 |
| Average total loans | $188,389,500 | 2,299 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 3,002 |
| Cost of funding earning assets | 1.7816% | 1,711 |
| Net interest margin | 3.6119% | 4,766 |
| Noninterest income to average assets | 0.1430% | 6,870 |
| Noninterest expense to average assets | 3.1255% | 3,204 |
| Loan and lease loss provision to assets | 0.5547% | 2,554 |
| Net operating income to assets | -0.0666% | 6,182 |
| Return on assets (ROA) | 0.2055% | 5,669 |
| Pretax return on assets | 0.2055% | 5,759 |
| Return on Equity (ROE) | 2.2205% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.2205% | 4,739 |
| Net charge-offs to loans | 0.8006% | 2,242 |
| Credit loss provision to net charge-offs | 90.0000% | 4,424 |
| Earnings coverage of net charge-offs (x) | 0.7920% | 4,974 |
| Efficiency ratio | 86.4908% | 1,655 |
| Assets per employee ($millions) | 4.6485% | 2,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 5,271 |
| Loan loss allowance to noncurrent loans | 788.0546% | 431 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 5,589 |
| Noncurrent loans to loans | 0.1566% | 6,951 |
| Net loans and leases to total assets | 76.4540% | 1,405 |
| Net loans and leases to deposits | 89.8644% | 1,879 |
| Net loans and leases to core deposits | 134.3992% | 352 |
| Total domestic deposits to total assets | 85.0771% | 3,586 |
| Equity capital to assets | 9.3578% | 4,919 |
| Core capital (leverage) ratio | 8.9686% | 4,656 |
| Tier 1 risk-based capital ratio | 11.6762% | 5,606 |
| Total risk-based capital ratio | 12.8679% | 5,619 |
| Memoranda: | ||
| Average total assets | $243,354,330 | 2,674 |
| Average earning assets | $233,837,330 | 2,553 |
| Average equity | $22,517,000 | 2,858 |
| Average total loans | $187,366,670 | 2,339 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3105% | 3,489 |
| Cost of funding earning assets | 1.8325% | 1,734 |
| Net interest margin | 3.4780% | 5,251 |
| Noninterest income to average assets | 0.1360% | 6,999 |
| Noninterest expense to average assets | 2.9733% | 3,770 |
| Loan and lease loss provision to assets | 0.3276% | 3,438 |
| Net operating income to assets | 0.1868% | 5,731 |
| Return on assets (ROA) | 0.1868% | 5,859 |
| Pretax return on assets | 0.1868% | 5,915 |
| Return on Equity (ROE) | 2.0298% | 5,751 |
| Retained earnings to average equity (ytd only) | 2.0298% | 4,913 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2513% | 1,881 |
| Assets per employee ($millions) | 5.1485% | 2,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3534% | 4,660 |
| Loan loss allowance to noncurrent loans | 86.2725% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.1868% | 4,801 |
| Noncurrent loans to loans | 1.5688% | 4,392 |
| Net loans and leases to total assets | 74.6278% | 1,825 |
| Net loans and leases to deposits | 88.6397% | 2,105 |
| Net loans and leases to core deposits | 138.6577% | 343 |
| Total domestic deposits to total assets | 84.1923% | 4,053 |
| Equity capital to assets | 8.9553% | 5,346 |
| Core capital (leverage) ratio | 9.0022% | 4,566 |
| Tier 1 risk-based capital ratio | 11.2337% | 5,918 |
| Total risk-based capital ratio | 12.4843% | 5,876 |
| Memoranda: | ||
| Average total assets | $244,170,000 | 2,716 |
| Average earning assets | $235,309,000 | 2,588 |
| Average equity | $22,465,500 | 2,881 |
| Average total loans | $187,492,000 | 2,406 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 4,561 |
| Cost of funding earning assets | 2.2939% | 1,685 |
| Net interest margin | 3.1312% | 6,276 |
| Noninterest income to average assets | 0.1399% | 7,043 |
| Noninterest expense to average assets | 2.8946% | 4,547 |
| Loan and lease loss provision to assets | 0.3632% | 4,624 |
| Net operating income to assets | 0.0738% | 5,285 |
| Return on assets (ROA) | 0.2487% | 4,803 |
| Pretax return on assets | 0.0800% | 5,258 |
| Return on Equity (ROE) | 2.3062% | 4,784 |
| Retained earnings to average equity (ytd only) | 2.3062% | 3,502 |
| Net charge-offs to loans | -0.0025% | 7,697 |
| Credit loss provision to net charge-offs | -18,950.0000% | 7,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5164% | 1,601 |
| Assets per employee ($millions) | 5.6206% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 4,800 |
| Loan loss allowance to noncurrent loans | 78.0033% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.4454% | 4,245 |
| Noncurrent loans to loans | 1.6591% | 4,156 |
| Net loans and leases to total assets | 76.9918% | 1,587 |
| Net loans and leases to deposits | 95.7395% | 1,362 |
| Net loans and leases to core deposits | 145.6820% | 615 |
| Total domestic deposits to total assets | 80.4180% | 5,547 |
| Equity capital to assets | 9.4631% | 4,472 |
| Core capital (leverage) ratio | 10.1481% | 2,951 |
| Tier 1 risk-based capital ratio | 11.4353% | 5,465 |
| Total risk-based capital ratio | 12.6595% | 5,464 |
| Memoranda: | ||
| Average total assets | $208,700,200 | 3,074 |
| Average earning assets | $201,487,600 | 2,950 |
| Average equity | $22,505,000 | 2,887 |
| Average total loans | $160,310,800 | 2,759 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 4,887 |
| Cost of funding earning assets | 2.4146% | 1,579 |
| Net interest margin | 2.9976% | 6,617 |
| Noninterest income to average assets | 0.1433% | 7,150 |
| Noninterest expense to average assets | 2.8917% | 4,490 |
| Loan and lease loss provision to assets | 0.2200% | 5,213 |
| Net operating income to assets | -0.0468% | 5,795 |
| Return on assets (ROA) | 0.1123% | 5,485 |
| Pretax return on assets | 0.1698% | 5,364 |
| Return on Equity (ROE) | 1.0053% | 5,497 |
| Retained earnings to average equity (ytd only) | 1.0053% | 4,752 |
| Net charge-offs to loans | -0.0035% | 7,609 |
| Credit loss provision to net charge-offs | -8,325.0000% | 7,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1119% | 1,322 |
| Assets per employee ($millions) | 5.2014% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1744% | 5,271 |
| Loan loss allowance to noncurrent loans | 1,041.4894% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,870 |
| Noncurrent loans to loans | 0.1128% | 7,194 |
| Net loans and leases to total assets | 77.2645% | 1,729 |
| Net loans and leases to deposits | 98.4095% | 1,276 |
| Net loans and leases to core deposits | 137.4188% | 1,039 |
| Total domestic deposits to total assets | 78.5132% | 5,948 |
| Equity capital to assets | 10.6472% | 3,350 |
| Core capital (leverage) ratio | 11.0090% | 2,398 |
| Tier 1 risk-based capital ratio | 13.0683% | 4,142 |
| Total risk-based capital ratio | 14.1843% | 4,170 |
| Memoranda: | ||
| Average total assets | $201,859,250 | 3,181 |
| Average earning assets | $195,087,000 | 3,057 |
| Average equity | $22,546,500 | 2,905 |
| Average total loans | $154,355,250 | 2,879 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3500% | 5,396 |
| Cost of funding earning assets | 2.4463% | 1,793 |
| Net interest margin | 2.9037% | 6,798 |
| Noninterest income to average assets | 0.1333% | 7,291 |
| Noninterest expense to average assets | 2.9163% | 4,446 |
| Loan and lease loss provision to assets | 0.2605% | 4,494 |
| Net operating income to assets | -0.1540% | 6,110 |
| Return on assets (ROA) | 0.0929% | 5,683 |
| Pretax return on assets | 0.1394% | 5,586 |
| Return on Equity (ROE) | 0.8180% | 5,683 |
| Retained earnings to average equity (ytd only) | 0.8180% | 4,862 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9380% | 1,232 |
| Assets per employee ($millions) | 4.9024% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1849% | 5,046 |
| Loan loss allowance to noncurrent loans | 183.4961% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 6,194 |
| Noncurrent loans to loans | 0.6457% | 5,960 |
| Net loans and leases to total assets | 76.1065% | 2,159 |
| Net loans and leases to deposits | 97.8556% | 1,542 |
| Net loans and leases to core deposits | 144.7198% | 808 |
| Total domestic deposits to total assets | 77.7743% | 6,136 |
| Equity capital to assets | 10.8771% | 3,038 |
| Core capital (leverage) ratio | 11.0612% | 2,359 |
| Tier 1 risk-based capital ratio | 13.6817% | 3,701 |
| Total risk-based capital ratio | 14.8084% | 3,716 |
| Memoranda: | ||
| Average total assets | $198,060,000 | 3,248 |
| Average earning assets | $191,962,670 | 3,120 |
| Average equity | $22,493,330 | 2,918 |
| Average total loans | $150,230,330 | 2,984 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 5,852 |
| Cost of funding earning assets | 2.4656% | 2,047 |
| Net interest margin | 2.8457% | 6,885 |
| Noninterest income to average assets | 0.1319% | 7,348 |
| Noninterest expense to average assets | 2.8227% | 4,458 |
| Loan and lease loss provision to assets | 0.4389% | 2,730 |
| Net operating income to assets | -0.2439% | 6,610 |
| Return on assets (ROA) | 0.0907% | 6,174 |
| Pretax return on assets | 0.1380% | 6,080 |
| Return on Equity (ROE) | 0.7808% | 6,196 |
| Retained earnings to average equity (ytd only) | 0.7808% | 5,349 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5783% | 1,236 |
| Assets per employee ($millions) | 5.0227% | 2,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 4,575 |
| Loan loss allowance to noncurrent loans | 266.9578% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3420% | 6,490 |
| Noncurrent loans to loans | 0.4614% | 6,260 |
| Net loans and leases to total assets | 73.1949% | 2,963 |
| Net loans and leases to deposits | 94.5204% | 2,189 |
| Net loans and leases to core deposits | 131.3947% | 1,576 |
| Total domestic deposits to total assets | 77.4382% | 6,169 |
| Equity capital to assets | 11.2535% | 2,761 |
| Core capital (leverage) ratio | 11.6760% | 2,057 |
| Tier 1 risk-based capital ratio | 14.3575% | 3,393 |
| Total risk-based capital ratio | 15.5156% | 3,375 |
| Memoranda: | ||
| Average total assets | $194,139,500 | 3,307 |
| Average earning assets | $188,352,000 | 3,181 |
| Average equity | $22,542,000 | 2,919 |
| Average total loans | $146,054,000 | 3,071 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2602% | 4,182 |
| Cost of funding earning assets | 2.8831% | 2,340 |
| Net interest margin | 3.3771% | 5,755 |
| Noninterest income to average assets | 0.1863% | 7,113 |
| Noninterest expense to average assets | 3.1310% | 3,581 |
| Loan and lease loss provision to assets | 0.2262% | 4,627 |
| Net operating income to assets | 0.0388% | 6,261 |
| Return on assets (ROA) | 0.0388% | 6,123 |
| Pretax return on assets | 0.0588% | 6,030 |
| Return on Equity (ROE) | 0.2964% | 6,137 |
| Retained earnings to average equity (ytd only) | 0.2964% | 5,064 |
| Net charge-offs to loans | 0.0380% | 6,270 |
| Credit loss provision to net charge-offs | 785.7143% | 551 |
| Earnings coverage of net charge-offs (x) | 9.8980% | 2,615 |
| Efficiency ratio | 91.6566% | 1,400 |
| Assets per employee ($millions) | 4.6843% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 5,042 |
| Loan loss allowance to noncurrent loans | 401.2376% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 6,711 |
| Noncurrent loans to loans | 0.2821% | 6,526 |
| Net loans and leases to total assets | 75.5712% | 2,740 |
| Net loans and leases to deposits | 99.3977% | 1,924 |
| Net loans and leases to core deposits | 128.3085% | 1,979 |
| Total domestic deposits to total assets | 76.0291% | 6,233 |
| Equity capital to assets | 11.9948% | 2,295 |
| Core capital (leverage) ratio | 12.4926% | 1,754 |
| Tier 1 risk-based capital ratio | 15.0329% | 3,028 |
| Total risk-based capital ratio | 16.1078% | 3,035 |
| Memoranda: | ||
| Average total assets | $170,167,400 | 3,553 |
| Average earning assets | $162,743,400 | 3,433 |
| Average equity | $22,266,800 | 2,942 |
| Average total loans | $129,106,800 | 3,285 |