Home > Pacific Mercantile Bank > Performance and Condition Ratios
Pacific Mercantile Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4120% | 3,068 |
| Cost of funding earning assets | 0.1880% | 3,727 |
| Net interest margin | 3.2239% | 2,657 |
| Noninterest income to average assets | 0.4699% | 2,752 |
| Noninterest expense to average assets | 2.1402% | 3,246 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0074% | 2,880 |
| Return on assets (ROA) | 1.0433% | 2,819 |
| Pretax return on assets | 1.4693% | 2,083 |
| Return on Equity (ROE) | 9.1315% | 3,069 |
| Retained earnings to average equity (ytd only) | 9.1315% | 1,647 |
| Net charge-offs to loans | 0.0270% | 1,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 71.5498% | 1,053 |
| Efficiency ratio | 60.0493% | 2,979 |
| Assets per employee ($millions) | 12.6298% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7530% | 1,009 |
| Loan loss allowance to noncurrent loans | 79.1443% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 1.4600% | 344 |
| Noncurrent loans to loans | 2.2150% | 375 |
| Net loans and leases to total assets | 64.7609% | 1,682 |
| Net loans and leases to deposits | 74.6843% | 1,791 |
| Net loans and leases to core deposits | 78.8969% | 1,827 |
| Total domestic deposits to total assets | 86.7129% | 2,458 |
| Equity capital to assets | 12.2816% | 1,272 |
| Core capital (leverage) ratio | 11.9837% | 1,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0502% | 946 |
| Memoranda: | ||
| Average total assets | $1,547,648,000 | 677 |
| Average earning assets | $1,485,404,250 | 651 |
| Average equity | $176,818,500 | 622 |
| Average total loans | $1,141,906,000 | 593 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4842% | 2,926 |
| Cost of funding earning assets | 0.2026% | 3,724 |
| Net interest margin | 3.2816% | 2,507 |
| Noninterest income to average assets | 0.5119% | 2,574 |
| Noninterest expense to average assets | 2.2084% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0200% | 2,828 |
| Return on assets (ROA) | 1.0741% | 2,705 |
| Pretax return on assets | 1.5265% | 1,935 |
| Return on Equity (ROE) | 9.6300% | 2,899 |
| Retained earnings to average equity (ytd only) | 9.6300% | 1,514 |
| Net charge-offs to loans | 0.0308% | 1,356 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 62.0761% | 955 |
| Efficiency ratio | 60.2326% | 2,988 |
| Assets per employee ($millions) | 11.8018% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5509% | 1,421 |
| Loan loss allowance to noncurrent loans | 72.2390% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 1.5580% | 351 |
| Noncurrent loans to loans | 2.1468% | 425 |
| Net loans and leases to total assets | 71.4480% | 1,029 |
| Net loans and leases to deposits | 81.8142% | 1,246 |
| Net loans and leases to core deposits | 86.9473% | 1,350 |
| Total domestic deposits to total assets | 87.3296% | 2,155 |
| Equity capital to assets | 11.6770% | 1,533 |
| Core capital (leverage) ratio | 11.3376% | 1,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9770% | 1,126 |
| Memoranda: | ||
| Average total assets | $1,566,757,667 | 662 |
| Average earning assets | $1,506,101,000 | 632 |
| Average equity | $174,746,333 | 622 |
| Average total loans | $1,195,086,333 | 580 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5946% | 2,655 |
| Cost of funding earning assets | 0.2199% | 3,726 |
| Net interest margin | 3.3747% | 2,175 |
| Noninterest income to average assets | 0.3980% | 3,099 |
| Noninterest expense to average assets | 2.2714% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9659% | 2,916 |
| Return on assets (ROA) | 0.9938% | 2,923 |
| Pretax return on assets | 1.4117% | 2,252 |
| Return on Equity (ROE) | 9.1177% | 2,993 |
| Retained earnings to average equity (ytd only) | 9.1177% | 1,910 |
| Net charge-offs to loans | 0.1052% | 660 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 16.7600% | 1,310 |
| Efficiency ratio | 62.2679% | 2,710 |
| Assets per employee ($millions) | 11.1995% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 2,076 |
| Loan loss allowance to noncurrent loans | 83.3066% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.3019% | 545 |
| Noncurrent loans to loans | 1.6516% | 730 |
| Net loans and leases to total assets | 77.7422% | 482 |
| Net loans and leases to deposits | 88.4269% | 796 |
| Net loans and leases to core deposits | 94.1832% | 971 |
| Total domestic deposits to total assets | 87.9170% | 1,888 |
| Equity capital to assets | 11.0214% | 1,838 |
| Core capital (leverage) ratio | 11.2103% | 1,579 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7489% | 1,369 |
| Memoranda: | ||
| Average total assets | $1,583,019,500 | 646 |
| Average earning assets | $1,524,414,500 | 621 |
| Average equity | $172,543,000 | 625 |
| Average total loans | $1,235,905,500 | 558 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9893% | 2,766 |
| Cost of funding earning assets | 0.5243% | 2,784 |
| Net interest margin | 3.4649% | 2,579 |
| Noninterest income to average assets | 0.3852% | 3,176 |
| Noninterest expense to average assets | 2.2586% | 3,514 |
| Loan and lease loss provision to assets | 0.5725% | 372 |
| Net operating income to assets | 0.6210% | 3,677 |
| Return on assets (ROA) | 0.6296% | 3,780 |
| Pretax return on assets | 0.8946% | 3,378 |
| Return on Equity (ROE) | 6.0900% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.0900% | 1,755 |
| Net charge-offs to loans | 0.4231% | 398 |
| Credit loss provision to net charge-offs | 173.7378% | 2,298 |
| Earnings coverage of net charge-offs (x) | 4.4193% | 2,985 |
| Efficiency ratio | 60.7983% | 3,350 |
| Assets per employee ($millions) | 10.7953% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 1,881 |
| Loan loss allowance to noncurrent loans | 38.2786% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.8730% | 136 |
| Noncurrent loans to loans | 3.7156% | 166 |
| Net loans and leases to total assets | 76.2225% | 761 |
| Net loans and leases to deposits | 87.0804% | 1,169 |
| Net loans and leases to core deposits | 93.1867% | 1,294 |
| Total domestic deposits to total assets | 87.5312% | 1,691 |
| Equity capital to assets | 10.7784% | 2,451 |
| Core capital (leverage) ratio | 10.6943% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8141% | 1,594 |
| Memoranda: | ||
| Average total assets | $1,580,723,200 | 590 |
| Average earning assets | $1,519,026,800 | 567 |
| Average equity | $163,415,600 | 625 |
| Average total loans | $1,231,161,000 | 535 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 2,737 |
| Cost of funding earning assets | 0.5974% | 2,632 |
| Net interest margin | 3.4785% | 2,661 |
| Noninterest income to average assets | 0.3771% | 3,197 |
| Noninterest expense to average assets | 2.2829% | 3,464 |
| Loan and lease loss provision to assets | 0.7641% | 255 |
| Net operating income to assets | 0.4722% | 4,110 |
| Return on assets (ROA) | 0.4722% | 4,186 |
| Pretax return on assets | 0.6709% | 3,966 |
| Return on Equity (ROE) | 4.6172% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.6172% | 2,734 |
| Net charge-offs to loans | 0.5600% | 269 |
| Credit loss provision to net charge-offs | 174.8792% | 2,206 |
| Earnings coverage of net charge-offs (x) | 3.2843% | 2,922 |
| Efficiency ratio | 61.4034% | 3,159 |
| Assets per employee ($millions) | 11.1548% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 1,896 |
| Loan loss allowance to noncurrent loans | 85.4184% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2656% | 760 |
| Noncurrent loans to loans | 1.5982% | 883 |
| Net loans and leases to total assets | 78.1087% | 819 |
| Net loans and leases to deposits | 89.6077% | 1,310 |
| Net loans and leases to core deposits | 96.2340% | 1,440 |
| Total domestic deposits to total assets | 87.1673% | 1,596 |
| Equity capital to assets | 10.3057% | 2,957 |
| Core capital (leverage) ratio | 9.4947% | 3,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9839% | 1,500 |
| Memoranda: | ||
| Average total assets | $1,579,175,000 | 577 |
| Average earning assets | $1,516,616,500 | 556 |
| Average equity | $161,508,500 | 625 |
| Average total loans | $1,232,191,500 | 524 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 3,233 |
| Cost of funding earning assets | 0.6878% | 2,462 |
| Net interest margin | 3.3490% | 3,247 |
| Noninterest income to average assets | 0.2795% | 3,794 |
| Noninterest expense to average assets | 2.3008% | 3,510 |
| Loan and lease loss provision to assets | 1.1555% | 152 |
| Net operating income to assets | 0.0264% | 4,756 |
| Return on assets (ROA) | 0.0264% | 4,777 |
| Pretax return on assets | 0.0378% | 4,764 |
| Return on Equity (ROE) | 0.2591% | 4,772 |
| Retained earnings to average equity (ytd only) | 0.2591% | 4,257 |
| Net charge-offs to loans | 0.7393% | 211 |
| Credit loss provision to net charge-offs | 201.3348% | 1,907 |
| Earnings coverage of net charge-offs (x) | 2.0792% | 2,804 |
| Efficiency ratio | 65.8481% | 2,542 |
| Assets per employee ($millions) | 11.0158% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3270% | 1,883 |
| Loan loss allowance to noncurrent loans | 70.6134% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5264% | 606 |
| Noncurrent loans to loans | 1.8792% | 734 |
| Net loans and leases to total assets | 80.1466% | 581 |
| Net loans and leases to deposits | 94.2456% | 943 |
| Net loans and leases to core deposits | 101.6930% | 1,134 |
| Total domestic deposits to total assets | 85.0402% | 2,379 |
| Equity capital to assets | 9.5583% | 3,604 |
| Core capital (leverage) ratio | 9.1762% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5113% | 1,998 |
| Memoranda: | ||
| Average total assets | $1,566,417,333 | 570 |
| Average earning assets | $1,503,569,000 | 554 |
| Average equity | $159,781,333 | 628 |
| Average total loans | $1,215,971,000 | 525 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 3,549 |
| Cost of funding earning assets | 0.8517% | 2,105 |
| Net interest margin | 3.2386% | 3,755 |
| Noninterest income to average assets | 0.2782% | 3,857 |
| Noninterest expense to average assets | 2.5143% | 3,235 |
| Loan and lease loss provision to assets | 1.6457% | 89 |
| Net operating income to assets | -0.5481% | 4,940 |
| Return on assets (ROA) | -0.5481% | 4,914 |
| Pretax return on assets | -0.7780% | 4,930 |
| Return on Equity (ROE) | -5.1909% | 4,929 |
| Retained earnings to average equity (ytd only) | -5.1909% | 4,538 |
| Net charge-offs to loans | 0.8042% | 188 |
| Credit loss provision to net charge-offs | 270.6242% | 1,245 |
| Earnings coverage of net charge-offs (x) | 1.4269% | 2,390 |
| Efficiency ratio | 74.3427% | 1,770 |
| Assets per employee ($millions) | 9.8089% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5264% | 1,257 |
| Loan loss allowance to noncurrent loans | 87.5081% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.2522% | 965 |
| Noncurrent loans to loans | 1.7443% | 864 |
| Net loans and leases to total assets | 70.6951% | 2,136 |
| Net loans and leases to deposits | 86.7447% | 1,905 |
| Net loans and leases to core deposits | 94.7468% | 1,906 |
| Total domestic deposits to total assets | 81.4979% | 3,546 |
| Equity capital to assets | 9.9117% | 3,875 |
| Core capital (leverage) ratio | 11.1429% | 2,360 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0963% | 2,239 |
| Memoranda: | ||
| Average total assets | $1,506,920,000 | 569 |
| Average earning assets | $1,444,206,000 | 549 |
| Average equity | $159,123,500 | 622 |
| Average total loans | $1,139,473,500 | 534 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8908% | 1,778 |
| Cost of funding earning assets | 1.1332% | 1,216 |
| Net interest margin | 3.7576% | 2,644 |
| Noninterest income to average assets | 0.3793% | 3,427 |
| Noninterest expense to average assets | 2.5893% | 3,209 |
| Loan and lease loss provision to assets | 0.6517% | 175 |
| Net operating income to assets | 0.5241% | 4,347 |
| Return on assets (ROA) | 0.5241% | 4,398 |
| Pretax return on assets | 0.7324% | 4,131 |
| Return on Equity (ROE) | 4.7255% | 4,290 |
| Retained earnings to average equity (ytd only) | 4.7255% | 2,568 |
| Net charge-offs to loans | 0.8139% | 205 |
| Credit loss provision to net charge-offs | 101.1609% | 2,446 |
| Earnings coverage of net charge-offs (x) | 2.1485% | 3,451 |
| Efficiency ratio | 65.1651% | 2,903 |
| Assets per employee ($millions) | 8.8437% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2033% | 2,420 |
| Loan loss allowance to noncurrent loans | 86.7993% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1082% | 1,097 |
| Noncurrent loans to loans | 1.3863% | 1,060 |
| Net loans and leases to total assets | 78.9763% | 937 |
| Net loans and leases to deposits | 92.6075% | 1,297 |
| Net loans and leases to core deposits | 102.0818% | 1,400 |
| Total domestic deposits to total assets | 85.2807% | 2,387 |
| Equity capital to assets | 11.2916% | 2,719 |
| Core capital (leverage) ratio | 11.0130% | 2,489 |
| Tier 1 risk-based capital ratio | 12.7124% | 3,940 |
| Total risk-based capital ratio | 13.8382% | 3,901 |
| Memoranda: | ||
| Average total assets | $1,403,956,800 | 580 |
| Average earning assets | $1,342,891,000 | 559 |
| Average equity | $155,708,600 | 604 |
| Average total loans | $1,111,350,000 | 524 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 1,781 |
| Cost of funding earning assets | 1.1627% | 1,132 |
| Net interest margin | 3.7498% | 2,753 |
| Noninterest income to average assets | 0.3832% | 3,418 |
| Noninterest expense to average assets | 2.5643% | 3,262 |
| Loan and lease loss provision to assets | 0.5138% | 236 |
| Net operating income to assets | 0.6234% | 4,232 |
| Return on assets (ROA) | 0.6234% | 4,285 |
| Pretax return on assets | 0.8930% | 3,891 |
| Return on Equity (ROE) | 5.6463% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.6463% | 2,539 |
| Net charge-offs to loans | 0.8219% | 188 |
| Credit loss provision to net charge-offs | 79.1789% | 2,514 |
| Earnings coverage of net charge-offs (x) | 2.1679% | 3,215 |
| Efficiency ratio | 64.5732% | 2,929 |
| Assets per employee ($millions) | 8.5073% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0372% | 3,357 |
| Loan loss allowance to noncurrent loans | 91.3047% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9207% | 1,472 |
| Noncurrent loans to loans | 1.1359% | 1,397 |
| Net loans and leases to total assets | 80.2107% | 823 |
| Net loans and leases to deposits | 94.4880% | 1,177 |
| Net loans and leases to core deposits | 103.4624% | 1,373 |
| Total domestic deposits to total assets | 84.8898% | 2,462 |
| Equity capital to assets | 11.0493% | 3,063 |
| Core capital (leverage) ratio | 10.9057% | 2,732 |
| Tier 1 risk-based capital ratio | 12.2211% | 4,301 |
| Total risk-based capital ratio | 13.1928% | 4,333 |
| Memoranda: | ||
| Average total assets | $1,401,197,250 | 584 |
| Average earning assets | $1,340,731,250 | 563 |
| Average equity | $154,692,000 | 606 |
| Average total loans | $1,106,407,000 | 525 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9068% | 1,731 |
| Cost of funding earning assets | 1.1862% | 1,030 |
| Net interest margin | 3.7206% | 2,869 |
| Noninterest income to average assets | 0.3921% | 3,326 |
| Noninterest expense to average assets | 2.5664% | 3,286 |
| Loan and lease loss provision to assets | 0.4752% | 250 |
| Net operating income to assets | 0.6393% | 4,195 |
| Return on assets (ROA) | 0.6393% | 4,242 |
| Pretax return on assets | 0.9133% | 3,802 |
| Return on Equity (ROE) | 5.7925% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.7925% | 2,372 |
| Net charge-offs to loans | 0.9813% | 145 |
| Credit loss provision to net charge-offs | 61.8905% | 2,391 |
| Earnings coverage of net charge-offs (x) | 1.8085% | 2,989 |
| Efficiency ratio | 64.8924% | 2,993 |
| Assets per employee ($millions) | 8.6482% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 3,320 |
| Loan loss allowance to noncurrent loans | 854.3559% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 4,288 |
| Noncurrent loans to loans | 0.1233% | 4,124 |
| Net loans and leases to total assets | 75.9777% | 1,551 |
| Net loans and leases to deposits | 89.3032% | 1,824 |
| Net loans and leases to core deposits | 97.4861% | 1,929 |
| Total domestic deposits to total assets | 85.0784% | 2,438 |
| Equity capital to assets | 11.0189% | 3,025 |
| Core capital (leverage) ratio | 10.9601% | 2,634 |
| Tier 1 risk-based capital ratio | 12.5216% | 4,111 |
| Total risk-based capital ratio | 13.4808% | 4,150 |
| Memoranda: | ||
| Average total assets | $1,389,018,330 | 586 |
| Average earning assets | $1,330,107,670 | 568 |
| Average equity | $153,303,000 | 609 |
| Average total loans | $1,086,775,000 | 536 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9111% | 1,562 |
| Cost of funding earning assets | 1.1774% | 965 |
| Net interest margin | 3.7337% | 2,772 |
| Noninterest income to average assets | 0.3990% | 3,188 |
| Noninterest expense to average assets | 2.4794% | 3,565 |
| Loan and lease loss provision to assets | 0.9604% | 89 |
| Net operating income to assets | 0.3754% | 4,781 |
| Return on assets (ROA) | 0.3754% | 4,786 |
| Pretax return on assets | 0.5364% | 4,611 |
| Return on Equity (ROE) | 3.3989% | 4,700 |
| Retained earnings to average equity (ytd only) | 3.3989% | 3,562 |
| Net charge-offs to loans | 1.9498% | 57 |
| Credit loss provision to net charge-offs | 62.3583% | 1,901 |
| Earnings coverage of net charge-offs (x) | 0.9718% | 2,633 |
| Efficiency ratio | 62.3554% | 3,478 |
| Assets per employee ($millions) | 8.5868% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 3,284 |
| Loan loss allowance to noncurrent loans | 871.6124% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 4,339 |
| Noncurrent loans to loans | 0.1229% | 4,192 |
| Net loans and leases to total assets | 75.9470% | 1,490 |
| Net loans and leases to deposits | 89.3946% | 1,699 |
| Net loans and leases to core deposits | 97.5025% | 1,815 |
| Total domestic deposits to total assets | 84.9571% | 2,693 |
| Equity capital to assets | 10.9055% | 2,945 |
| Core capital (leverage) ratio | 10.8790% | 2,680 |
| Tier 1 risk-based capital ratio | 12.4421% | 4,210 |
| Total risk-based capital ratio | 13.4196% | 4,250 |
| Memoranda: | ||
| Average total assets | $1,374,375,500 | 596 |
| Average earning assets | $1,316,761,500 | 575 |
| Average equity | $151,814,000 | 610 |
| Average total loans | $1,085,628,000 | 537 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7666% | 1,618 |
| Cost of funding earning assets | 0.9974% | 760 |
| Net interest margin | 3.7692% | 2,784 |
| Noninterest income to average assets | 0.3248% | 3,928 |
| Noninterest expense to average assets | 2.6954% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.0984% | 299 |
| Return on assets (ROA) | 2.1065% | 288 |
| Pretax return on assets | 1.2646% | 2,637 |
| Return on Equity (ROE) | 20.4503% | 229 |
| Retained earnings to average equity (ytd only) | 20.4503% | 33 |
| Net charge-offs to loans | 0.0642% | 2,203 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 24.1884% | 1,824 |
| Efficiency ratio | 68.2059% | 2,501 |
| Assets per employee ($millions) | 8.4319% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2315% | 2,399 |
| Loan loss allowance to noncurrent loans | 245.3852% | 1,913 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 2,599 |
| Noncurrent loans to loans | 0.5018% | 2,769 |
| Net loans and leases to total assets | 80.2938% | 894 |
| Net loans and leases to deposits | 94.6627% | 1,210 |
| Net loans and leases to core deposits | 106.7815% | 1,209 |
| Total domestic deposits to total assets | 84.8209% | 2,720 |
| Equity capital to assets | 11.1919% | 2,521 |
| Core capital (leverage) ratio | 10.7726% | 2,761 |
| Tier 1 risk-based capital ratio | 11.9136% | 4,486 |
| Total risk-based capital ratio | 13.0403% | 4,451 |
| Memoranda: | ||
| Average total assets | $1,328,346,800 | 594 |
| Average earning assets | $1,278,245,800 | 570 |
| Average equity | $136,829,600 | 633 |
| Average total loans | $1,074,224,200 | 527 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6576% | 1,805 |
| Cost of funding earning assets | 0.9609% | 713 |
| Net interest margin | 3.6967% | 3,033 |
| Noninterest income to average assets | 0.3036% | 4,115 |
| Noninterest expense to average assets | 2.7083% | 2,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.2840% | 236 |
| Return on assets (ROA) | 2.2949% | 226 |
| Pretax return on assets | 1.1679% | 3,131 |
| Return on Equity (ROE) | 22.7809% | 143 |
| Retained earnings to average equity (ytd only) | 22.7809% | 37 |
| Net charge-offs to loans | 0.0915% | 1,588 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 15.6644% | 2,206 |
| Efficiency ratio | 70.0670% | 2,177 |
| Assets per employee ($millions) | 8.1442% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 2,399 |
| Loan loss allowance to noncurrent loans | 228.9237% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 2,567 |
| Noncurrent loans to loans | 0.5424% | 2,759 |
| Net loans and leases to total assets | 81.1570% | 851 |
| Net loans and leases to deposits | 95.0885% | 1,260 |
| Net loans and leases to core deposits | 108.6166% | 1,122 |
| Total domestic deposits to total assets | 85.3489% | 2,468 |
| Equity capital to assets | 10.9980% | 2,667 |
| Core capital (leverage) ratio | 10.6930% | 2,889 |
| Tier 1 risk-based capital ratio | 11.6539% | 4,702 |
| Total risk-based capital ratio | 12.7885% | 4,654 |
| Memoranda: | ||
| Average total assets | $1,323,159,500 | 595 |
| Average earning assets | $1,274,846,250 | 568 |
| Average equity | $133,289,750 | 647 |
| Average total loans | $1,068,593,750 | 527 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 1,806 |
| Cost of funding earning assets | 0.9204% | 672 |
| Net interest margin | 3.6702% | 3,041 |
| Noninterest income to average assets | 0.2881% | 4,256 |
| Noninterest expense to average assets | 2.7603% | 2,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.7453% | 103 |
| Return on assets (ROA) | 2.7616% | 102 |
| Pretax return on assets | 1.0874% | 3,363 |
| Return on Equity (ROE) | 28.2763% | 46 |
| Retained earnings to average equity (ytd only) | 28.2763% | 11 |
| Net charge-offs to loans | 0.1555% | 993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 8.5768% | 2,464 |
| Efficiency ratio | 72.0440% | 2,006 |
| Assets per employee ($millions) | 8.4821% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2584% | 2,388 |
| Loan loss allowance to noncurrent loans | 251.0610% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 2,595 |
| Noncurrent loans to loans | 0.5012% | 2,913 |
| Net loans and leases to total assets | 77.2954% | 1,423 |
| Net loans and leases to deposits | 89.1292% | 1,957 |
| Net loans and leases to core deposits | 99.9928% | 1,741 |
| Total domestic deposits to total assets | 86.7229% | 1,960 |
| Equity capital to assets | 10.3519% | 3,280 |
| Core capital (leverage) ratio | 10.2274% | 3,327 |
| Tier 1 risk-based capital ratio | 11.6810% | 4,703 |
| Total risk-based capital ratio | 12.8493% | 4,621 |
| Memoranda: | ||
| Average total assets | $1,324,426,330 | 594 |
| Average earning assets | $1,278,634,330 | 564 |
| Average equity | $129,352,000 | 665 |
| Average total loans | $1,063,386,670 | 526 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 1,874 |
| Cost of funding earning assets | 0.8331% | 824 |
| Net interest margin | 3.6644% | 2,940 |
| Noninterest income to average assets | 0.2657% | 4,402 |
| Noninterest expense to average assets | 2.8264% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9889% | 2,894 |
| Return on assets (ROA) | 1.0220% | 2,790 |
| Pretax return on assets | 1.0220% | 3,458 |
| Return on Equity (ROE) | 10.7995% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.7995% | 940 |
| Net charge-offs to loans | 0.2974% | 515 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.0885% | 2,328 |
| Efficiency ratio | 74.0803% | 1,891 |
| Assets per employee ($millions) | 7.9981% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,448 |
| Loan loss allowance to noncurrent loans | 199.4198% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 2,297 |
| Noncurrent loans to loans | 0.6330% | 2,646 |
| Net loans and leases to total assets | 80.9264% | 804 |
| Net loans and leases to deposits | 93.5334% | 1,276 |
| Net loans and leases to core deposits | 107.5867% | 1,151 |
| Total domestic deposits to total assets | 86.5214% | 2,307 |
| Equity capital to assets | 9.6742% | 3,914 |
| Core capital (leverage) ratio | 9.6990% | 3,846 |
| Tier 1 risk-based capital ratio | 10.7647% | 5,261 |
| Total risk-based capital ratio | 11.9347% | 5,181 |
| Memoranda: | ||
| Average total assets | $1,308,072,000 | 604 |
| Average earning assets | $1,267,104,500 | 575 |
| Average equity | $123,783,500 | 692 |
| Average total loans | $1,063,894,000 | 531 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3008% | 2,329 |
| Cost of funding earning assets | 0.6126% | 1,522 |
| Net interest margin | 3.6881% | 2,843 |
| Noninterest income to average assets | 0.3114% | 4,230 |
| Noninterest expense to average assets | 3.0310% | 2,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8636% | 2,901 |
| Return on assets (ROA) | 0.8633% | 2,923 |
| Pretax return on assets | 0.8509% | 4,090 |
| Return on Equity (ROE) | 9.2797% | 2,184 |
| Retained earnings to average equity (ytd only) | 9.2797% | 459 |
| Net charge-offs to loans | 0.2593% | 1,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 3.9363% | 3,535 |
| Efficiency ratio | 78.0738% | 1,337 |
| Assets per employee ($millions) | 7.8598% | 673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 2,065 |
| Loan loss allowance to noncurrent loans | 326.9461% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 3,556 |
| Noncurrent loans to loans | 0.4074% | 3,306 |
| Net loans and leases to total assets | 79.6417% | 1,012 |
| Net loans and leases to deposits | 91.7755% | 1,558 |
| Net loans and leases to core deposits | 105.6939% | 1,279 |
| Total domestic deposits to total assets | 86.7788% | 2,098 |
| Equity capital to assets | 9.2559% | 4,469 |
| Core capital (leverage) ratio | 9.8822% | 3,601 |
| Tier 1 risk-based capital ratio | 10.3644% | 5,421 |
| Total risk-based capital ratio | 11.5898% | 5,351 |
| Memoranda: | ||
| Average total assets | $1,204,628,000 | 625 |
| Average earning assets | $1,166,304,600 | 602 |
| Average equity | $112,061,400 | 735 |
| Average total loans | $1,004,536,200 | 540 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2620% | 2,391 |
| Cost of funding earning assets | 0.5605% | 1,808 |
| Net interest margin | 3.7015% | 2,758 |
| Noninterest income to average assets | 0.3197% | 4,250 |
| Noninterest expense to average assets | 3.0408% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8375% | 3,339 |
| Return on assets (ROA) | 0.8375% | 3,385 |
| Pretax return on assets | 0.8603% | 4,177 |
| Return on Equity (ROE) | 8.9904% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.9904% | 843 |
| Net charge-offs to loans | 0.2363% | 903 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.3274% | 3,243 |
| Efficiency ratio | 77.9470% | 1,336 |
| Assets per employee ($millions) | 7.0335% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 1,716 |
| Loan loss allowance to noncurrent loans | 173.4440% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 2,347 |
| Noncurrent loans to loans | 0.8332% | 2,280 |
| Net loans and leases to total assets | 85.3308% | 305 |
| Net loans and leases to deposits | 96.6978% | 1,044 |
| Net loans and leases to core deposits | 110.1598% | 1,015 |
| Total domestic deposits to total assets | 88.2449% | 1,233 |
| Equity capital to assets | 9.9123% | 4,025 |
| Core capital (leverage) ratio | 10.1581% | 3,366 |
| Tier 1 risk-based capital ratio | 10.2946% | 5,513 |
| Total risk-based capital ratio | 11.5455% | 5,459 |
| Memoranda: | ||
| Average total assets | $1,175,671,500 | 638 |
| Average earning assets | $1,137,529,250 | 614 |
| Average equity | $109,521,750 | 752 |
| Average total loans | $989,213,250 | 550 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1608% | 2,627 |
| Cost of funding earning assets | 0.5212% | 2,001 |
| Net interest margin | 3.6395% | 2,878 |
| Noninterest income to average assets | 0.3297% | 4,186 |
| Noninterest expense to average assets | 3.0703% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7713% | 3,536 |
| Return on assets (ROA) | 0.7713% | 3,586 |
| Pretax return on assets | 0.7797% | 4,343 |
| Return on Equity (ROE) | 8.4655% | 2,793 |
| Retained earnings to average equity (ytd only) | 8.4655% | 1,006 |
| Net charge-offs to loans | -0.0778% | 5,332 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7489% | 1,237 |
| Assets per employee ($millions) | 7.3400% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 1,141 |
| Loan loss allowance to noncurrent loans | 119.5227% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1940% | 1,422 |
| Noncurrent loans to loans | 1.3860% | 1,396 |
| Net loans and leases to total assets | 84.7231% | 373 |
| Net loans and leases to deposits | 95.1992% | 1,157 |
| Net loans and leases to core deposits | 107.5712% | 1,128 |
| Total domestic deposits to total assets | 88.9956% | 957 |
| Equity capital to assets | 9.2113% | 4,711 |
| Core capital (leverage) ratio | 9.7014% | 3,893 |
| Tier 1 risk-based capital ratio | 9.8640% | 5,662 |
| Total risk-based capital ratio | 11.1179% | 5,624 |
| Memoranda: | ||
| Average total assets | $1,166,654,000 | 640 |
| Average earning assets | $1,128,442,330 | 620 |
| Average equity | $106,289,670 | 774 |
| Average total loans | $971,837,000 | 560 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 2,685 |
| Cost of funding earning assets | 0.4952% | 2,127 |
| Net interest margin | 3.5964% | 2,896 |
| Noninterest income to average assets | 0.3188% | 4,273 |
| Noninterest expense to average assets | 3.1147% | 1,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6609% | 3,876 |
| Return on assets (ROA) | 0.6609% | 3,918 |
| Pretax return on assets | 0.6780% | 4,513 |
| Return on Equity (ROE) | 7.2966% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.2966% | 1,752 |
| Net charge-offs to loans | 0.0030% | 2,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 278.0000% | 213 |
| Efficiency ratio | 82.1238% | 1,147 |
| Assets per employee ($millions) | 6.8380% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7803% | 994 |
| Loan loss allowance to noncurrent loans | 105.1860% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3654% | 1,226 |
| Noncurrent loans to loans | 1.6926% | 1,133 |
| Net loans and leases to total assets | 79.2360% | 942 |
| Net loans and leases to deposits | 87.7654% | 1,831 |
| Net loans and leases to core deposits | 96.9169% | 1,755 |
| Total domestic deposits to total assets | 90.2817% | 549 |
| Equity capital to assets | 9.2072% | 4,609 |
| Core capital (leverage) ratio | 9.6976% | 3,876 |
| Tier 1 risk-based capital ratio | 10.3944% | 5,592 |
| Total risk-based capital ratio | 11.6494% | 5,509 |
| Memoranda: | ||
| Average total assets | $1,148,097,500 | 653 |
| Average earning assets | $1,108,993,000 | 627 |
| Average equity | $103,993,000 | 786 |
| Average total loans | $939,231,500 | 580 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9584% | 3,349 |
| Cost of funding earning assets | 0.4729% | 2,327 |
| Net interest margin | 3.4855% | 3,490 |
| Noninterest income to average assets | 0.2985% | 4,599 |
| Noninterest expense to average assets | 3.2245% | 1,735 |
| Loan and lease loss provision to assets | 1.8344% | 45 |
| Net operating income to assets | -2.9869% | 5,893 |
| Return on assets (ROA) | -2.9869% | 5,893 |
| Pretax return on assets | -1.4323% | 5,854 |
| Return on Equity (ROE) | -27.1025% | 5,883 |
| Retained earnings to average equity (ytd only) | -27.1025% | 5,875 |
| Net charge-offs to loans | 1.8138% | 79 |
| Credit loss provision to net charge-offs | 125.8790% | 2,124 |
| Earnings coverage of net charge-offs (x) | 0.2759% | 4,120 |
| Efficiency ratio | 88.9138% | 623 |
| Assets per employee ($millions) | 6.6680% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 950 |
| Loan loss allowance to noncurrent loans | 126.2000% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 1.1814% | 1,534 |
| Noncurrent loans to loans | 1.4236% | 1,428 |
| Net loans and leases to total assets | 81.4948% | 668 |
| Net loans and leases to deposits | 91.3445% | 1,530 |
| Net loans and leases to core deposits | 100.4992% | 1,580 |
| Total domestic deposits to total assets | 89.2170% | 999 |
| Equity capital to assets | 8.9029% | 4,904 |
| Core capital (leverage) ratio | 9.1800% | 4,507 |
| Tier 1 risk-based capital ratio | 10.1436% | 5,701 |
| Total risk-based capital ratio | 11.3995% | 5,650 |
| Memoranda: | ||
| Average total assets | $1,083,190,200 | 665 |
| Average earning assets | $1,034,274,000 | 639 |
| Average equity | $119,376,400 | 667 |
| Average total loans | $870,264,000 | 583 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,346 |
| Cost of funding earning assets | 0.4681% | 2,385 |
| Net interest margin | 3.4979% | 3,474 |
| Noninterest income to average assets | 0.3101% | 4,550 |
| Noninterest expense to average assets | 3.2562% | 1,661 |
| Loan and lease loss provision to assets | 2.4707% | 27 |
| Net operating income to assets | -4.1933% | 5,972 |
| Return on assets (ROA) | -4.1933% | 5,973 |
| Pretax return on assets | -2.0867% | 5,942 |
| Return on Equity (ROE) | -36.2198% | 5,961 |
| Retained earnings to average equity (ytd only) | -36.2198% | 5,952 |
| Net charge-offs to loans | 2.4891% | 48 |
| Credit loss provision to net charge-offs | 124.6237% | 2,033 |
| Earnings coverage of net charge-offs (x) | 0.1937% | 3,815 |
| Efficiency ratio | 89.4518% | 594 |
| Assets per employee ($millions) | 6.2766% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9370% | 800 |
| Loan loss allowance to noncurrent loans | 107.8199% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 1.4551% | 1,251 |
| Noncurrent loans to loans | 1.7965% | 1,152 |
| Net loans and leases to total assets | 79.4266% | 982 |
| Net loans and leases to deposits | 88.2682% | 1,982 |
| Net loans and leases to core deposits | 99.1336% | 1,716 |
| Total domestic deposits to total assets | 89.9833% | 486 |
| Equity capital to assets | 9.4390% | 4,730 |
| Core capital (leverage) ratio | 8.9301% | 4,907 |
| Tier 1 risk-based capital ratio | 10.7690% | 5,492 |
| Total risk-based capital ratio | 12.0294% | 5,392 |
| Memoranda: | ||
| Average total assets | $1,072,265,250 | 671 |
| Average earning assets | $1,020,827,000 | 645 |
| Average equity | $124,139,000 | 644 |
| Average total loans | $854,040,500 | 588 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 3,656 |
| Cost of funding earning assets | 0.4553% | 2,520 |
| Net interest margin | 3.4249% | 3,777 |
| Noninterest income to average assets | 0.2881% | 4,726 |
| Noninterest expense to average assets | 3.1545% | 1,923 |
| Loan and lease loss provision to assets | 1.6987% | 50 |
| Net operating income to assets | -0.7470% | 5,955 |
| Return on assets (ROA) | -0.7470% | 5,960 |
| Pretax return on assets | -1.3186% | 5,987 |
| Return on Equity (ROE) | -6.0828% | 5,943 |
| Retained earnings to average equity (ytd only) | -6.0828% | 5,791 |
| Net charge-offs to loans | 1.9774% | 71 |
| Credit loss provision to net charge-offs | 108.4609% | 1,983 |
| Earnings coverage of net charge-offs (x) | 0.2427% | 3,537 |
| Efficiency ratio | 89.2470% | 638 |
| Assets per employee ($millions) | 6.8651% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5416% | 1,709 |
| Loan loss allowance to noncurrent loans | 100.4188% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 1.2329% | 1,664 |
| Noncurrent loans to loans | 1.5352% | 1,406 |
| Net loans and leases to total assets | 79.0696% | 1,054 |
| Net loans and leases to deposits | 91.2941% | 1,592 |
| Net loans and leases to core deposits | 99.6832% | 1,653 |
| Total domestic deposits to total assets | 86.6098% | 2,108 |
| Equity capital to assets | 11.9701% | 2,148 |
| Core capital (leverage) ratio | 10.8781% | 2,558 |
| Tier 1 risk-based capital ratio | 12.2251% | 4,687 |
| Total risk-based capital ratio | 13.4875% | 4,601 |
| Memoranda: | ||
| Average total assets | $1,076,104,000 | 668 |
| Average earning assets | $1,020,054,330 | 646 |
| Average equity | $132,144,000 | 607 |
| Average total loans | $852,334,330 | 582 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 3,518 |
| Cost of funding earning assets | 0.4377% | 2,698 |
| Net interest margin | 3.4805% | 3,554 |
| Noninterest income to average assets | 0.2724% | 4,782 |
| Noninterest expense to average assets | 3.1278% | 2,022 |
| Loan and lease loss provision to assets | 0.1567% | 1,335 |
| Net operating income to assets | 0.1698% | 5,587 |
| Return on assets (ROA) | 0.1698% | 5,643 |
| Pretax return on assets | 0.2877% | 5,531 |
| Return on Equity (ROE) | 1.3654% | 5,634 |
| Retained earnings to average equity (ytd only) | 1.3654% | 4,713 |
| Net charge-offs to loans | 0.0508% | 2,025 |
| Credit loss provision to net charge-offs | 392.5234% | 719 |
| Earnings coverage of net charge-offs (x) | 11.1308% | 1,878 |
| Efficiency ratio | 87.5575% | 847 |
| Assets per employee ($millions) | 7.1378% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5654% | 1,731 |
| Loan loss allowance to noncurrent loans | 49.9636% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 2.3878% | 644 |
| Noncurrent loans to loans | 3.1330% | 499 |
| Net loans and leases to total assets | 75.0220% | 1,550 |
| Net loans and leases to deposits | 86.8707% | 1,960 |
| Net loans and leases to core deposits | 93.7739% | 2,015 |
| Total domestic deposits to total assets | 86.3606% | 2,516 |
| Equity capital to assets | 12.2627% | 1,853 |
| Core capital (leverage) ratio | 12.0690% | 1,565 |
| Tier 1 risk-based capital ratio | 13.7274% | 3,848 |
| Total risk-based capital ratio | 14.9873% | 3,779 |
| Memoranda: | ||
| Average total assets | $1,071,814,500 | 671 |
| Average earning assets | $1,016,185,000 | 648 |
| Average equity | $133,297,000 | 592 |
| Average total loans | $842,959,500 | 589 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,025 |
| Cost of funding earning assets | 0.4679% | 2,457 |
| Net interest margin | 3.3384% | 4,155 |
| Noninterest income to average assets | 0.2437% | 5,138 |
| Noninterest expense to average assets | 3.1667% | 2,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3574% | 1,128 |
| Return on assets (ROA) | 1.3574% | 1,172 |
| Pretax return on assets | 0.2705% | 5,582 |
| Return on Equity (ROE) | 11.8905% | 1,331 |
| Retained earnings to average equity (ytd only) | 11.8905% | 263 |
| Net charge-offs to loans | 0.1336% | 2,027 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 2.5739% | 3,874 |
| Efficiency ratio | 92.1295% | 565 |
| Assets per employee ($millions) | 6.5721% | 1,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 2,054 |
| Loan loss allowance to noncurrent loans | 78.1609% | 4,176 |
| Noncurrent assets plus other real estate owned to assets | 1.5472% | 1,286 |
| Noncurrent loans to loans | 1.9060% | 1,123 |
| Net loans and leases to total assets | 79.9652% | 850 |
| Net loans and leases to deposits | 93.2067% | 1,288 |
| Net loans and leases to core deposits | 99.7022% | 1,525 |
| Total domestic deposits to total assets | 85.7934% | 2,735 |
| Equity capital to assets | 12.6172% | 1,554 |
| Core capital (leverage) ratio | 11.8166% | 1,745 |
| Tier 1 risk-based capital ratio | 13.7624% | 3,847 |
| Total risk-based capital ratio | 15.0216% | 3,773 |
| Memoranda: | ||
| Average total assets | $1,062,759,400 | 656 |
| Average earning assets | $1,016,633,400 | 630 |
| Average equity | $121,324,000 | 629 |
| Average total loans | $835,776,200 | 561 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,194 |
| Cost of funding earning assets | 0.4680% | 2,514 |
| Net interest margin | 3.2980% | 4,350 |
| Noninterest income to average assets | 0.2459% | 5,176 |
| Noninterest expense to average assets | 3.1795% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2266% | 5,624 |
| Return on assets (ROA) | 0.2266% | 5,690 |
| Pretax return on assets | 0.2266% | 5,753 |
| Return on Equity (ROE) | 2.0379% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.0379% | 4,858 |
| Net charge-offs to loans | 0.2492% | 1,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 1.1654% | 3,879 |
| Efficiency ratio | 93.3470% | 508 |
| Assets per employee ($millions) | 6.9129% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4974% | 2,169 |
| Loan loss allowance to noncurrent loans | 119.7834% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 0.9567% | 2,459 |
| Noncurrent loans to loans | 1.2501% | 2,035 |
| Net loans and leases to total assets | 75.3836% | 1,480 |
| Net loans and leases to deposits | 86.3981% | 2,101 |
| Net loans and leases to core deposits | 92.3654% | 2,229 |
| Total domestic deposits to total assets | 87.2515% | 1,920 |
| Equity capital to assets | 11.2139% | 2,786 |
| Core capital (leverage) ratio | 11.2082% | 2,289 |
| Tier 1 risk-based capital ratio | 13.4745% | 4,151 |
| Total risk-based capital ratio | 14.7311% | 4,079 |
| Memoranda: | ||
| Average total assets | $1,065,563,750 | 664 |
| Average earning assets | $1,021,035,250 | 635 |
| Average equity | $118,486,250 | 650 |
| Average total loans | $831,324,250 | 567 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 4,162 |
| Cost of funding earning assets | 0.4702% | 2,517 |
| Net interest margin | 3.3031% | 4,290 |
| Noninterest income to average assets | 0.2753% | 4,981 |
| Noninterest expense to average assets | 3.2458% | 1,853 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1905% | 5,719 |
| Return on assets (ROA) | 0.1905% | 5,781 |
| Pretax return on assets | 0.1905% | 5,828 |
| Return on Equity (ROE) | 1.7180% | 5,752 |
| Retained earnings to average equity (ytd only) | 1.7180% | 4,841 |
| Net charge-offs to loans | 0.3568% | 734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.6799% | 3,633 |
| Efficiency ratio | 94.4566% | 500 |
| Assets per employee ($millions) | 6.7195% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4844% | 2,363 |
| Loan loss allowance to noncurrent loans | 62.7631% | 4,673 |
| Noncurrent assets plus other real estate owned to assets | 1.8882% | 1,206 |
| Noncurrent loans to loans | 2.3651% | 985 |
| Net loans and leases to total assets | 78.6498% | 988 |
| Net loans and leases to deposits | 92.3760% | 1,332 |
| Net loans and leases to core deposits | 100.6091% | 1,438 |
| Total domestic deposits to total assets | 85.1409% | 3,070 |
| Equity capital to assets | 11.3956% | 2,500 |
| Core capital (leverage) ratio | 11.2451% | 2,211 |
| Tier 1 risk-based capital ratio | 13.4709% | 4,240 |
| Total risk-based capital ratio | 14.7261% | 4,169 |
| Memoranda: | ||
| Average total assets | $1,063,583,000 | 669 |
| Average earning assets | $1,017,844,670 | 638 |
| Average equity | $117,929,000 | 654 |
| Average total loans | $835,092,670 | 561 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6666% | 4,481 |
| Cost of funding earning assets | 0.4638% | 2,637 |
| Net interest margin | 3.2028% | 4,601 |
| Noninterest income to average assets | 0.2196% | 5,384 |
| Noninterest expense to average assets | 3.1654% | 2,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1236% | 5,838 |
| Return on assets (ROA) | 0.1236% | 5,899 |
| Pretax return on assets | 0.1236% | 5,925 |
| Return on Equity (ROE) | 1.1297% | 5,884 |
| Retained earnings to average equity (ytd only) | 1.1297% | 5,030 |
| Net charge-offs to loans | 0.5707% | 431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.2781% | 3,075 |
| Efficiency ratio | 96.2426% | 492 |
| Assets per employee ($millions) | 6.8513% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 2,412 |
| Loan loss allowance to noncurrent loans | 62.3071% | 4,661 |
| Noncurrent assets plus other real estate owned to assets | 1.9491% | 1,230 |
| Noncurrent loans to loans | 2.4198% | 1,011 |
| Net loans and leases to total assets | 78.2517% | 885 |
| Net loans and leases to deposits | 91.5734% | 1,235 |
| Net loans and leases to core deposits | 97.8869% | 1,483 |
| Total domestic deposits to total assets | 85.4524% | 3,197 |
| Equity capital to assets | 11.1807% | 2,775 |
| Core capital (leverage) ratio | 11.1411% | 2,277 |
| Tier 1 risk-based capital ratio | 13.4535% | 4,348 |
| Total risk-based capital ratio | 14.7099% | 4,264 |
| Memoranda: | ||
| Average total assets | $1,074,612,000 | 658 |
| Average earning assets | $1,029,833,000 | 625 |
| Average equity | $117,549,500 | 654 |
| Average total loans | $836,889,000 | 556 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8571% | 4,291 |
| Cost of funding earning assets | 0.5326% | 2,358 |
| Net interest margin | 3.3245% | 4,491 |
| Noninterest income to average assets | 0.4073% | 4,127 |
| Noninterest expense to average assets | 3.3180% | 1,883 |
| Loan and lease loss provision to assets | 0.1449% | 1,825 |
| Net operating income to assets | 0.1042% | 5,950 |
| Return on assets (ROA) | 0.2913% | 5,608 |
| Pretax return on assets | 0.2913% | 5,719 |
| Return on Equity (ROE) | 2.6343% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.6343% | 4,369 |
| Net charge-offs to loans | -0.1218% | 6,164 |
| Credit loss provision to net charge-offs | -153.8462% | 5,579 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0177% | 647 |
| Assets per employee ($millions) | 6.5126% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6557% | 1,912 |
| Loan loss allowance to noncurrent loans | 64.2618% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 1.9674% | 1,306 |
| Noncurrent loans to loans | 2.5764% | 975 |
| Net loans and leases to total assets | 75.0986% | 1,404 |
| Net loans and leases to deposits | 88.2788% | 1,705 |
| Net loans and leases to core deposits | 96.9578% | 1,639 |
| Total domestic deposits to total assets | 85.0698% | 3,260 |
| Equity capital to assets | 10.7056% | 3,227 |
| Core capital (leverage) ratio | 10.5110% | 2,935 |
| Tier 1 risk-based capital ratio | 13.5271% | 4,395 |
| Total risk-based capital ratio | 14.7832% | 4,332 |
| Memoranda: | ||
| Average total assets | $1,035,459,400 | 653 |
| Average earning assets | $984,188,200 | 619 |
| Average equity | $114,488,000 | 638 |
| Average total loans | $800,428,400 | 552 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8362% | 4,417 |
| Cost of funding earning assets | 0.5414% | 2,361 |
| Net interest margin | 3.2949% | 4,621 |
| Noninterest income to average assets | 0.3959% | 4,281 |
| Noninterest expense to average assets | 3.2940% | 1,913 |
| Loan and lease loss provision to assets | 0.1959% | 1,226 |
| Net operating income to assets | 0.0270% | 6,115 |
| Return on assets (ROA) | 0.2732% | 5,736 |
| Pretax return on assets | 0.2732% | 5,821 |
| Return on Equity (ROE) | 2.4504% | 5,722 |
| Retained earnings to average equity (ytd only) | 2.4504% | 4,832 |
| Net charge-offs to loans | -0.0525% | 5,927 |
| Credit loss provision to net charge-offs | -480.7692% | 5,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6604% | 613 |
| Assets per employee ($millions) | 6.3673% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 2,263 |
| Loan loss allowance to noncurrent loans | 59.5443% | 4,809 |
| Noncurrent assets plus other real estate owned to assets | 2.0801% | 1,356 |
| Noncurrent loans to loans | 2.7068% | 1,049 |
| Net loans and leases to total assets | 75.6074% | 1,270 |
| Net loans and leases to deposits | 89.6172% | 1,463 |
| Net loans and leases to core deposits | 105.5459% | 979 |
| Total domestic deposits to total assets | 84.3671% | 3,607 |
| Equity capital to assets | 10.8630% | 3,110 |
| Core capital (leverage) ratio | 10.9491% | 2,535 |
| Tier 1 risk-based capital ratio | 13.6582% | 4,441 |
| Total risk-based capital ratio | 14.9138% | 4,379 |
| Memoranda: | ||
| Average total assets | $1,020,794,250 | 657 |
| Average earning assets | $966,928,750 | 628 |
| Average equity | $113,827,000 | 636 |
| Average total loans | $791,660,000 | 555 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 4,391 |
| Cost of funding earning assets | 0.5579% | 2,283 |
| Net interest margin | 3.2780% | 4,674 |
| Noninterest income to average assets | 0.4025% | 4,222 |
| Noninterest expense to average assets | 3.3826% | 1,719 |
| Loan and lease loss provision to assets | 0.2086% | 1,141 |
| Net operating income to assets | -0.0997% | 6,257 |
| Return on assets (ROA) | 0.2889% | 5,676 |
| Pretax return on assets | 0.2889% | 5,807 |
| Return on Equity (ROE) | 2.5674% | 5,667 |
| Retained earnings to average equity (ytd only) | 2.5674% | 4,571 |
| Net charge-offs to loans | -0.0439% | 5,813 |
| Credit loss provision to net charge-offs | -610.4651% | 5,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8816% | 515 |
| Assets per employee ($millions) | 5.8057% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 2,603 |
| Loan loss allowance to noncurrent loans | 139.1131% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 1.5811% | 2,067 |
| Noncurrent loans to loans | 1.1250% | 2,972 |
| Net loans and leases to total assets | 79.2346% | 773 |
| Net loans and leases to deposits | 95.4054% | 849 |
| Net loans and leases to core deposits | 111.2702% | 638 |
| Total domestic deposits to total assets | 83.0505% | 4,284 |
| Equity capital to assets | 11.4799% | 2,445 |
| Core capital (leverage) ratio | 10.7893% | 2,632 |
| Tier 1 risk-based capital ratio | 13.5970% | 4,528 |
| Total risk-based capital ratio | 14.8519% | 4,462 |
| Memoranda: | ||
| Average total assets | $1,006,612,670 | 668 |
| Average earning assets | $948,580,330 | 639 |
| Average equity | $113,265,670 | 630 |
| Average total loans | $783,169,000 | 557 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 4,289 |
| Cost of funding earning assets | 0.5452% | 2,462 |
| Net interest margin | 3.3050% | 4,513 |
| Noninterest income to average assets | 0.4433% | 3,839 |
| Noninterest expense to average assets | 3.4303% | 1,630 |
| Loan and lease loss provision to assets | 0.1781% | 1,354 |
| Net operating income to assets | -0.0602% | 6,255 |
| Return on assets (ROA) | 0.4085% | 5,150 |
| Pretax return on assets | 0.4085% | 5,427 |
| Return on Equity (ROE) | 3.6667% | 5,191 |
| Retained earnings to average equity (ytd only) | 3.6667% | 3,935 |
| Net charge-offs to loans | -0.0683% | 5,948 |
| Credit loss provision to net charge-offs | -340.9091% | 5,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6760% | 604 |
| Assets per employee ($millions) | 5.8459% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5463% | 2,946 |
| Loan loss allowance to noncurrent loans | 201.6892% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9061% | 1,808 |
| Noncurrent loans to loans | 0.7667% | 3,943 |
| Net loans and leases to total assets | 73.0570% | 1,421 |
| Net loans and leases to deposits | 88.6742% | 1,289 |
| Net loans and leases to core deposits | 102.7785% | 940 |
| Total domestic deposits to total assets | 82.3880% | 4,819 |
| Equity capital to assets | 10.9118% | 2,809 |
| Core capital (leverage) ratio | 10.8224% | 2,571 |
| Tier 1 risk-based capital ratio | 13.9053% | 4,390 |
| Total risk-based capital ratio | 15.1622% | 4,330 |
| Memoranda: | ||
| Average total assets | $1,010,631,000 | 667 |
| Average earning assets | $949,463,000 | 638 |
| Average equity | $112,580,500 | 630 |
| Average total loans | $772,854,500 | 565 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8866% | 4,508 |
| Cost of funding earning assets | 0.5271% | 3,328 |
| Net interest margin | 3.3594% | 4,438 |
| Noninterest income to average assets | 0.1851% | 5,985 |
| Noninterest expense to average assets | 3.5108% | 1,622 |
| Loan and lease loss provision to assets | 0.4598% | 624 |
| Net operating income to assets | -1.2287% | 6,642 |
| Return on assets (ROA) | -1.9674% | 6,713 |
| Pretax return on assets | -1.3948% | 6,655 |
| Return on Equity (ROE) | -15.4596% | 6,648 |
| Retained earnings to average equity (ytd only) | -15.4596% | 6,621 |
| Net charge-offs to loans | 0.5331% | 1,245 |
| Credit loss provision to net charge-offs | 111.8421% | 2,151 |
| Earnings coverage of net charge-offs (x) | -0.4774% | 5,192 |
| Efficiency ratio | 105.9217% | 339 |
| Assets per employee ($millions) | 4.0028% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 3,340 |
| Loan loss allowance to noncurrent loans | 120.7142% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 1.8698% | 1,950 |
| Noncurrent loans to loans | 1.2163% | 3,112 |
| Net loans and leases to total assets | 77.7208% | 857 |
| Net loans and leases to deposits | 96.7356% | 688 |
| Net loans and leases to core deposits | 111.0500% | 576 |
| Total domestic deposits to total assets | 80.3436% | 5,365 |
| Equity capital to assets | 11.3814% | 2,251 |
| Core capital (leverage) ratio | 11.4767% | 1,981 |
| Tier 1 risk-based capital ratio | 13.9067% | 4,360 |
| Total risk-based capital ratio | 15.1628% | 4,291 |
| Memoranda: | ||
| Average total assets | $979,753,800 | 672 |
| Average earning assets | $912,651,800 | 653 |
| Average equity | $124,686,000 | 567 |
| Average total loans | $755,529,400 | 559 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9156% | 4,447 |
| Cost of funding earning assets | 0.5636% | 3,136 |
| Net interest margin | 3.3519% | 4,455 |
| Noninterest income to average assets | 0.6805% | 2,733 |
| Noninterest expense to average assets | 4.5564% | 495 |
| Loan and lease loss provision to assets | 0.1565% | 2,301 |
| Net operating income to assets | -0.6557% | 6,643 |
| Return on assets (ROA) | -0.6515% | 6,649 |
| Pretax return on assets | -0.9140% | 6,684 |
| Return on Equity (ROE) | -4.9871% | 6,601 |
| Retained earnings to average equity (ytd only) | -4.9871% | 6,493 |
| Net charge-offs to loans | 0.2194% | 2,505 |
| Credit loss provision to net charge-offs | 93.0421% | 2,556 |
| Earnings coverage of net charge-offs (x) | -4.5380% | 5,134 |
| Efficiency ratio | 120.1292% | 172 |
| Assets per employee ($millions) | 3.5141% | 4,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 3,774 |
| Loan loss allowance to noncurrent loans | 110.8658% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.9772% | 2,047 |
| Noncurrent loans to loans | 1.2888% | 3,254 |
| Net loans and leases to total assets | 81.1998% | 433 |
| Net loans and leases to deposits | 104.9732% | 264 |
| Net loans and leases to core deposits | 122.2162% | 290 |
| Total domestic deposits to total assets | 77.3528% | 5,997 |
| Equity capital to assets | 13.7262% | 1,045 |
| Core capital (leverage) ratio | 12.7774% | 1,296 |
| Tier 1 risk-based capital ratio | 14.8426% | 3,848 |
| Total risk-based capital ratio | 16.0947% | 3,807 |
| Memoranda: | ||
| Average total assets | $979,518,250 | 672 |
| Average earning assets | $909,541,250 | 654 |
| Average equity | $127,953,250 | 561 |
| Average total loans | $751,021,000 | 560 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,757 |
| Cost of funding earning assets | 0.5973% | 2,969 |
| Net interest margin | 3.2239% | 4,857 |
| Noninterest income to average assets | 0.6972% | 2,655 |
| Noninterest expense to average assets | 4.7512% | 426 |
| Loan and lease loss provision to assets | 0.2299% | 1,629 |
| Net operating income to assets | -0.9296% | 6,739 |
| Return on assets (ROA) | -0.9263% | 6,744 |
| Pretax return on assets | -1.2836% | 6,778 |
| Return on Equity (ROE) | -7.2030% | 6,692 |
| Retained earnings to average equity (ytd only) | -7.2030% | 6,579 |
| Net charge-offs to loans | 0.2423% | 2,268 |
| Credit loss provision to net charge-offs | 126.6520% | 1,782 |
| Earnings coverage of net charge-offs (x) | -5.8293% | 4,837 |
| Efficiency ratio | 128.6573% | 137 |
| Assets per employee ($millions) | 3.4781% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 3,502 |
| Loan loss allowance to noncurrent loans | 168.3263% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 1.7692% | 2,461 |
| Noncurrent loans to loans | 0.9019% | 4,124 |
| Net loans and leases to total assets | 77.1237% | 852 |
| Net loans and leases to deposits | 95.3234% | 716 |
| Net loans and leases to core deposits | 111.3506% | 508 |
| Total domestic deposits to total assets | 80.9074% | 5,367 |
| Equity capital to assets | 13.4433% | 1,164 |
| Core capital (leverage) ratio | 12.2076% | 1,503 |
| Tier 1 risk-based capital ratio | 15.6749% | 3,381 |
| Total risk-based capital ratio | 16.9280% | 3,327 |
| Memoranda: | ||
| Average total assets | $1,000,299,670 | 658 |
| Average earning assets | $929,488,670 | 642 |
| Average equity | $128,640,000 | 560 |
| Average total loans | $749,515,330 | 556 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7419% | 5,014 |
| Cost of funding earning assets | 0.6335% | 2,807 |
| Net interest margin | 3.1084% | 5,230 |
| Noninterest income to average assets | 0.7770% | 2,226 |
| Noninterest expense to average assets | 5.0720% | 350 |
| Loan and lease loss provision to assets | 0.4455% | 642 |
| Net operating income to assets | -1.0760% | 6,829 |
| Return on assets (ROA) | -1.0703% | 6,838 |
| Pretax return on assets | -1.8407% | 6,906 |
| Return on Equity (ROE) | -8.4969% | 6,776 |
| Retained earnings to average equity (ytd only) | -8.4969% | 6,552 |
| Net charge-offs to loans | 0.5346% | 1,130 |
| Credit loss provision to net charge-offs | 113.5242% | 1,663 |
| Earnings coverage of net charge-offs (x) | -3.5785% | 4,054 |
| Efficiency ratio | 138.2828% | 113 |
| Assets per employee ($millions) | 3.7209% | 4,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5095% | 3,785 |
| Loan loss allowance to noncurrent loans | 139.0459% | 2,532 |
| Noncurrent assets plus other real estate owned to assets | 2.1769% | 2,151 |
| Noncurrent loans to loans | 1.0856% | 3,980 |
| Net loans and leases to total assets | 71.0289% | 1,515 |
| Net loans and leases to deposits | 86.6559% | 1,279 |
| Net loans and leases to core deposits | 101.0238% | 889 |
| Total domestic deposits to total assets | 81.9665% | 5,201 |
| Equity capital to assets | 12.6928% | 1,593 |
| Core capital (leverage) ratio | 11.6917% | 1,757 |
| Tier 1 risk-based capital ratio | 15.0923% | 3,775 |
| Total risk-based capital ratio | 16.3441% | 3,731 |
| Memoranda: | ||
| Average total assets | $1,032,641,500 | 647 |
| Average earning assets | $960,355,500 | 631 |
| Average equity | $130,071,000 | 563 |
| Average total loans | $757,920,500 | 550 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 4,238 |
| Cost of funding earning assets | 0.8279% | 2,437 |
| Net interest margin | 3.4595% | 4,670 |
| Noninterest income to average assets | 2.5000% | 321 |
| Noninterest expense to average assets | 4.9036% | 407 |
| Loan and lease loss provision to assets | 0.1845% | 3,332 |
| Net operating income to assets | 0.8969% | 2,834 |
| Return on assets (ROA) | 1.0904% | 2,159 |
| Pretax return on assets | 0.7976% | 4,305 |
| Return on Equity (ROE) | 9.6424% | 2,338 |
| Retained earnings to average equity (ytd only) | 9.6424% | 667 |
| Net charge-offs to loans | 0.8443% | 1,365 |
| Credit loss provision to net charge-offs | 29.1219% | 5,131 |
| Earnings coverage of net charge-offs (x) | 1.2446% | 4,839 |
| Efficiency ratio | 86.1469% | 1,418 |
| Assets per employee ($millions) | 3.2208% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 4,243 |
| Loan loss allowance to noncurrent loans | 59.6841% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 3.4981% | 1,296 |
| Noncurrent loans to loans | 2.3196% | 2,323 |
| Net loans and leases to total assets | 73.5920% | 1,251 |
| Net loans and leases to deposits | 90.5618% | 1,021 |
| Net loans and leases to core deposits | 109.2159% | 563 |
| Total domestic deposits to total assets | 81.2616% | 5,323 |
| Equity capital to assets | 12.5028% | 1,712 |
| Core capital (leverage) ratio | 11.4680% | 1,901 |
| Tier 1 risk-based capital ratio | 14.3682% | 4,115 |
| Total risk-based capital ratio | 15.6187% | 4,073 |
| Memoranda: | ||
| Average total assets | $1,056,905,600 | 625 |
| Average earning assets | $975,202,200 | 611 |
| Average equity | $119,523,800 | 603 |
| Average total loans | $793,115,000 | 511 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3859% | 4,106 |
| Cost of funding earning assets | 0.8581% | 2,474 |
| Net interest margin | 3.5277% | 4,537 |
| Noninterest income to average assets | 2.9042% | 258 |
| Noninterest expense to average assets | 4.8355% | 410 |
| Loan and lease loss provision to assets | 0.2458% | 2,598 |
| Net operating income to assets | 1.1770% | 1,810 |
| Return on assets (ROA) | 1.4348% | 1,275 |
| Pretax return on assets | 1.3285% | 2,498 |
| Return on Equity (ROE) | 13.0303% | 1,328 |
| Retained earnings to average equity (ytd only) | 13.0303% | 393 |
| Net charge-offs to loans | 0.8251% | 1,326 |
| Credit loss provision to net charge-offs | 39.6422% | 4,627 |
| Earnings coverage of net charge-offs (x) | 2.1232% | 4,207 |
| Efficiency ratio | 78.6023% | 2,299 |
| Assets per employee ($millions) | 2.7689% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4985% | 3,959 |
| Loan loss allowance to noncurrent loans | 83.8723% | 3,715 |
| Noncurrent assets plus other real estate owned to assets | 4.1512% | 1,155 |
| Noncurrent loans to loans | 1.7867% | 3,095 |
| Net loans and leases to total assets | 75.8822% | 993 |
| Net loans and leases to deposits | 93.3257% | 842 |
| Net loans and leases to core deposits | 109.9287% | 574 |
| Total domestic deposits to total assets | 81.3090% | 5,260 |
| Equity capital to assets | 11.9648% | 2,290 |
| Core capital (leverage) ratio | 11.4801% | 1,999 |
| Tier 1 risk-based capital ratio | 14.5611% | 4,147 |
| Total risk-based capital ratio | 15.8141% | 4,111 |
| Memoranda: | ||
| Average total assets | $1,057,833,750 | 627 |
| Average earning assets | $973,865,250 | 609 |
| Average equity | $116,485,000 | 616 |
| Average total loans | $794,907,000 | 511 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3003% | 4,574 |
| Cost of funding earning assets | 0.8881% | 2,502 |
| Net interest margin | 3.4123% | 5,035 |
| Noninterest income to average assets | 2.6861% | 273 |
| Noninterest expense to average assets | 4.8310% | 420 |
| Loan and lease loss provision to assets | 0.2775% | 2,367 |
| Net operating income to assets | 1.2540% | 1,558 |
| Return on assets (ROA) | 1.4663% | 1,184 |
| Pretax return on assets | 0.9277% | 3,973 |
| Return on Equity (ROE) | 13.7315% | 1,181 |
| Retained earnings to average equity (ytd only) | 13.7315% | 367 |
| Net charge-offs to loans | 0.6242% | 1,760 |
| Credit loss provision to net charge-offs | 59.6953% | 3,806 |
| Earnings coverage of net charge-offs (x) | 2.1359% | 3,918 |
| Efficiency ratio | 82.9505% | 1,752 |
| Assets per employee ($millions) | 2.6086% | 6,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7206% | 3,145 |
| Loan loss allowance to noncurrent loans | 70.0727% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 5.1386% | 915 |
| Noncurrent loans to loans | 2.4555% | 2,447 |
| Net loans and leases to total assets | 77.8467% | 742 |
| Net loans and leases to deposits | 96.3875% | 605 |
| Net loans and leases to core deposits | 113.6380% | 463 |
| Total domestic deposits to total assets | 80.7643% | 5,541 |
| Equity capital to assets | 11.8288% | 2,286 |
| Core capital (leverage) ratio | 11.4188% | 1,955 |
| Tier 1 risk-based capital ratio | 13.5592% | 4,777 |
| Total risk-based capital ratio | 14.8143% | 4,738 |
| Memoranda: | ||
| Average total assets | $1,044,950,670 | 639 |
| Average earning assets | $960,947,000 | 622 |
| Average equity | $111,582,670 | 639 |
| Average total loans | $778,311,670 | 514 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 4,516 |
| Cost of funding earning assets | 0.9205% | 2,515 |
| Net interest margin | 3.4308% | 4,992 |
| Noninterest income to average assets | 1.9087% | 441 |
| Noninterest expense to average assets | 4.6615% | 474 |
| Loan and lease loss provision to assets | -0.1553% | 7,201 |
| Net operating income to assets | 0.3061% | 5,641 |
| Return on assets (ROA) | 0.5817% | 4,653 |
| Pretax return on assets | 0.9899% | 3,706 |
| Return on Equity (ROE) | 5.7722% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.7722% | 3,096 |
| Net charge-offs to loans | 0.8590% | 1,194 |
| Credit loss provision to net charge-offs | -25.1099% | 5,386 |
| Earnings coverage of net charge-offs (x) | 0.6529% | 4,008 |
| Efficiency ratio | 92.0270% | 946 |
| Assets per employee ($millions) | 2.8476% | 6,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 3,015 |
| Loan loss allowance to noncurrent loans | 70.8223% | 4,005 |
| Noncurrent assets plus other real estate owned to assets | 5.4551% | 909 |
| Noncurrent loans to loans | 2.5336% | 2,573 |
| Net loans and leases to total assets | 71.9909% | 1,401 |
| Net loans and leases to deposits | 85.8407% | 1,441 |
| Net loans and leases to core deposits | 100.8609% | 934 |
| Total domestic deposits to total assets | 83.8656% | 4,563 |
| Equity capital to assets | 10.0744% | 4,034 |
| Core capital (leverage) ratio | 9.9574% | 3,418 |
| Tier 1 risk-based capital ratio | 11.9430% | 5,996 |
| Total risk-based capital ratio | 13.1970% | 5,995 |
| Memoranda: | ||
| Average total assets | $1,030,044,500 | 647 |
| Average earning assets | $947,760,500 | 636 |
| Average equity | $103,808,000 | 680 |
| Average total loans | $741,809,500 | 551 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 4,144 |
| Cost of funding earning assets | 1.1302% | 2,468 |
| Net interest margin | 3.5958% | 4,751 |
| Noninterest income to average assets | 0.7909% | 2,111 |
| Noninterest expense to average assets | 3.6011% | 1,738 |
| Loan and lease loss provision to assets | -0.0828% | 7,268 |
| Net operating income to assets | 1.2505% | 1,379 |
| Return on assets (ROA) | 1.2740% | 1,411 |
| Pretax return on assets | 0.6472% | 4,521 |
| Return on Equity (ROE) | 14.7436% | 790 |
| Retained earnings to average equity (ytd only) | 14.7436% | 146 |
| Net charge-offs to loans | 0.2230% | 4,385 |
| Credit loss provision to net charge-offs | -50.7617% | 6,666 |
| Earnings coverage of net charge-offs (x) | 3.3144% | 3,558 |
| Efficiency ratio | 86.9405% | 1,449 |
| Assets per employee ($millions) | 2.9841% | 6,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1591% | 1,880 |
| Loan loss allowance to noncurrent loans | 110.8376% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 5.0705% | 1,049 |
| Noncurrent loans to loans | 1.9480% | 3,277 |
| Net loans and leases to total assets | 69.1852% | 2,184 |
| Net loans and leases to deposits | 82.0100% | 2,195 |
| Net loans and leases to core deposits | 96.5161% | 1,453 |
| Total domestic deposits to total assets | 84.3619% | 4,159 |
| Equity capital to assets | 10.0816% | 4,061 |
| Core capital (leverage) ratio | 9.8573% | 3,509 |
| Tier 1 risk-based capital ratio | 12.1380% | 5,736 |
| Total risk-based capital ratio | 13.3963% | 5,705 |
| Memoranda: | ||
| Average total assets | $1,005,492,400 | 656 |
| Average earning assets | $937,100,000 | 634 |
| Average equity | $86,885,400 | 777 |
| Average total loans | $735,742,400 | 557 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8258% | 3,907 |
| Cost of funding earning assets | 1.1561% | 2,597 |
| Net interest margin | 3.6697% | 4,477 |
| Noninterest income to average assets | 0.6888% | 2,676 |
| Noninterest expense to average assets | 3.4631% | 2,046 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5918% | 4,122 |
| Return on assets (ROA) | 0.6200% | 4,185 |
| Pretax return on assets | 0.6866% | 4,530 |
| Return on Equity (ROE) | 7.4950% | 3,281 |
| Retained earnings to average equity (ytd only) | 7.4950% | 1,713 |
| Net charge-offs to loans | 0.2482% | 3,881 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.5774% | 3,387 |
| Efficiency ratio | 84.0902% | 1,722 |
| Assets per employee ($millions) | 3.2390% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3021% | 1,684 |
| Loan loss allowance to noncurrent loans | 59.5528% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 5.2663% | 1,082 |
| Noncurrent loans to loans | 3.8657% | 1,732 |
| Net loans and leases to total assets | 70.4663% | 1,988 |
| Net loans and leases to deposits | 83.7560% | 2,039 |
| Net loans and leases to core deposits | 99.1809% | 1,318 |
| Total domestic deposits to total assets | 84.1329% | 4,167 |
| Equity capital to assets | 9.3543% | 5,297 |
| Core capital (leverage) ratio | 9.6547% | 3,910 |
| Tier 1 risk-based capital ratio | 12.1280% | 5,798 |
| Total risk-based capital ratio | 13.3875% | 5,781 |
| Memoranda: | ||
| Average total assets | $1,000,974,750 | 666 |
| Average earning assets | $935,456,750 | 642 |
| Average equity | $82,808,750 | 815 |
| Average total loans | $738,732,750 | 562 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 3,551 |
| Cost of funding earning assets | 1.1752% | 2,742 |
| Net interest margin | 3.7402% | 4,081 |
| Noninterest income to average assets | 0.6553% | 2,795 |
| Noninterest expense to average assets | 3.2852% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7107% | 3,492 |
| Return on assets (ROA) | 0.6984% | 3,668 |
| Pretax return on assets | 0.8466% | 3,846 |
| Return on Equity (ROE) | 8.8301% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.8301% | 1,165 |
| Net charge-offs to loans | 0.1933% | 3,995 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 5.9930% | 2,498 |
| Efficiency ratio | 79.2226% | 2,519 |
| Assets per employee ($millions) | 3.3904% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3523% | 1,661 |
| Loan loss allowance to noncurrent loans | 58.3577% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 5.6874% | 1,019 |
| Noncurrent loans to loans | 4.0308% | 1,719 |
| Net loans and leases to total assets | 73.1391% | 1,568 |
| Net loans and leases to deposits | 85.3849% | 1,880 |
| Net loans and leases to core deposits | 100.4267% | 1,303 |
| Total domestic deposits to total assets | 85.6581% | 3,517 |
| Equity capital to assets | 8.3194% | 6,400 |
| Core capital (leverage) ratio | 8.3149% | 5,847 |
| Tier 1 risk-based capital ratio | 10.3331% | 6,854 |
| Total risk-based capital ratio | 11.5928% | 6,845 |
| Memoranda: | ||
| Average total assets | $998,857,330 | 674 |
| Average earning assets | $932,417,000 | 649 |
| Average equity | $79,002,330 | 856 |
| Average total loans | $742,793,000 | 570 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8940% | 3,618 |
| Cost of funding earning assets | 1.1697% | 3,020 |
| Net interest margin | 3.7243% | 3,978 |
| Noninterest income to average assets | 0.5540% | 3,480 |
| Noninterest expense to average assets | 3.2518% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7733% | 3,151 |
| Return on assets (ROA) | 0.7570% | 3,297 |
| Pretax return on assets | 0.7570% | 4,069 |
| Return on Equity (ROE) | 9.8214% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.8214% | 1,155 |
| Net charge-offs to loans | -0.1423% | 7,188 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7871% | 2,399 |
| Assets per employee ($millions) | 3.3864% | 5,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4931% | 1,465 |
| Loan loss allowance to noncurrent loans | 56.6939% | 4,612 |
| Noncurrent assets plus other real estate owned to assets | 6.1658% | 920 |
| Noncurrent loans to loans | 4.3975% | 1,604 |
| Net loans and leases to total assets | 72.1476% | 1,692 |
| Net loans and leases to deposits | 86.2708% | 1,687 |
| Net loans and leases to core deposits | 101.0377% | 1,263 |
| Total domestic deposits to total assets | 83.6293% | 4,654 |
| Equity capital to assets | 7.8367% | 6,646 |
| Core capital (leverage) ratio | 8.1579% | 6,038 |
| Tier 1 risk-based capital ratio | 10.1589% | 6,942 |
| Total risk-based capital ratio | 11.4217% | 6,943 |
| Memoranda: | ||
| Average total assets | $1,004,979,500 | 670 |
| Average earning assets | $936,658,500 | 650 |
| Average equity | $77,463,500 | 865 |
| Average total loans | $744,698,000 | 576 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 5,628 |
| Cost of funding earning assets | 1.6448% | 1,848 |
| Net interest margin | 3.1032% | 6,513 |
| Noninterest income to average assets | 0.4812% | 4,308 |
| Noninterest expense to average assets | 3.1240% | 3,368 |
| Loan and lease loss provision to assets | 0.7260% | 2,259 |
| Net operating income to assets | -1.1433% | 6,759 |
| Return on assets (ROA) | -1.0343% | 6,737 |
| Pretax return on assets | -0.3448% | 6,194 |
| Return on Equity (ROE) | -14.3804% | 6,898 |
| Retained earnings to average equity (ytd only) | -14.3804% | 6,858 |
| Net charge-offs to loans | 1.3161% | 1,700 |
| Credit loss provision to net charge-offs | 78.6935% | 5,602 |
| Earnings coverage of net charge-offs (x) | 0.2951% | 5,814 |
| Efficiency ratio | 91.9835% | 1,185 |
| Assets per employee ($millions) | 4.6107% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4047% | 1,539 |
| Loan loss allowance to noncurrent loans | 81.1668% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 5.4686% | 1,134 |
| Noncurrent loans to loans | 2.9627% | 2,581 |
| Net loans and leases to total assets | 72.4228% | 2,005 |
| Net loans and leases to deposits | 89.6395% | 1,577 |
| Net loans and leases to core deposits | 105.4579% | 1,223 |
| Total domestic deposits to total assets | 80.7934% | 5,592 |
| Equity capital to assets | 7.5816% | 6,829 |
| Core capital (leverage) ratio | 7.3494% | 6,820 |
| Tier 1 risk-based capital ratio | 9.6004% | 7,109 |
| Total risk-based capital ratio | 10.8619% | 7,112 |
| Memoranda: | ||
| Average total assets | $1,141,546,000 | 581 |
| Average earning assets | $1,072,352,600 | 562 |
| Average equity | $82,104,800 | 801 |
| Average total loans | $800,219,800 | 548 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6914% | 6,055 |
| Cost of funding earning assets | 1.6884% | 1,931 |
| Net interest margin | 3.0030% | 6,825 |
| Noninterest income to average assets | 0.4754% | 4,374 |
| Noninterest expense to average assets | 2.8209% | 4,399 |
| Loan and lease loss provision to assets | 0.8509% | 1,785 |
| Net operating income to assets | -1.2731% | 7,013 |
| Return on assets (ROA) | -1.1447% | 6,994 |
| Pretax return on assets | -0.2390% | 6,351 |
| Return on Equity (ROE) | -16.1042% | 7,137 |
| Retained earnings to average equity (ytd only) | -16.1042% | 7,111 |
| Net charge-offs to loans | 0.7441% | 2,566 |
| Credit loss provision to net charge-offs | 165.2251% | 2,270 |
| Earnings coverage of net charge-offs (x) | 0.9389% | 5,124 |
| Efficiency ratio | 85.3680% | 1,693 |
| Assets per employee ($millions) | 6.0017% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9829% | 834 |
| Loan loss allowance to noncurrent loans | 53.0303% | 4,759 |
| Noncurrent assets plus other real estate owned to assets | 5.7050% | 1,068 |
| Noncurrent loans to loans | 5.6249% | 1,166 |
| Net loans and leases to total assets | 66.1117% | 3,663 |
| Net loans and leases to deposits | 79.0863% | 3,621 |
| Net loans and leases to core deposits | 95.3596% | 2,339 |
| Total domestic deposits to total assets | 83.5944% | 4,324 |
| Equity capital to assets | 7.1094% | 7,302 |
| Core capital (leverage) ratio | 7.0938% | 7,114 |
| Tier 1 risk-based capital ratio | 9.7960% | 7,160 |
| Total risk-based capital ratio | 11.0651% | 7,140 |
| Memoranda: | ||
| Average total assets | $1,173,341,750 | 570 |
| Average earning assets | $1,105,343,000 | 544 |
| Average equity | $83,404,750 | 793 |
| Average total loans | $812,092,000 | 541 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7669% | 5,902 |
| Cost of funding earning assets | 1.7435% | 1,903 |
| Net interest margin | 3.0233% | 6,784 |
| Noninterest income to average assets | 0.4447% | 4,566 |
| Noninterest expense to average assets | 2.7604% | 4,659 |
| Loan and lease loss provision to assets | 0.9811% | 1,477 |
| Net operating income to assets | -1.7929% | 7,254 |
| Return on assets (ROA) | -1.7247% | 7,241 |
| Pretax return on assets | -0.3764% | 6,498 |
| Return on Equity (ROE) | -24.2643% | 7,361 |
| Retained earnings to average equity (ytd only) | -24.2643% | 7,347 |
| Net charge-offs to loans | 0.6902% | 2,490 |
| Credit loss provision to net charge-offs | 204.3693% | 1,905 |
| Earnings coverage of net charge-offs (x) | 1.1177% | 4,673 |
| Efficiency ratio | 83.7258% | 1,952 |
| Assets per employee ($millions) | 5.4372% | 1,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9194% | 893 |
| Loan loss allowance to noncurrent loans | 43.0392% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 6.4375% | 873 |
| Noncurrent loans to loans | 6.7831% | 858 |
| Net loans and leases to total assets | 67.5562% | 3,483 |
| Net loans and leases to deposits | 79.2740% | 3,741 |
| Net loans and leases to core deposits | 95.2692% | 2,542 |
| Total domestic deposits to total assets | 85.2187% | 3,512 |
| Equity capital to assets | 6.8621% | 7,396 |
| Core capital (leverage) ratio | 6.7544% | 7,305 |
| Tier 1 risk-based capital ratio | 9.2779% | 7,343 |
| Total risk-based capital ratio | 10.5463% | 7,335 |
| Memoranda: | ||
| Average total assets | $1,182,349,330 | 565 |
| Average earning assets | $1,115,452,670 | 541 |
| Average equity | $84,041,000 | 781 |
| Average total loans | $822,405,330 | 535 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8401% | 5,724 |
| Cost of funding earning assets | 1.8098% | 1,838 |
| Net interest margin | 3.0303% | 6,765 |
| Noninterest income to average assets | 0.3767% | 5,125 |
| Noninterest expense to average assets | 2.7459% | 4,703 |
| Loan and lease loss provision to assets | 0.4000% | 2,975 |
| Net operating income to assets | 0.0474% | 6,168 |
| Return on assets (ROA) | 0.0837% | 6,172 |
| Pretax return on assets | 0.1453% | 6,028 |
| Return on Equity (ROE) | 1.1580% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.1580% | 5,355 |
| Net charge-offs to loans | 0.3269% | 3,101 |
| Credit loss provision to net charge-offs | 175.9531% | 2,071 |
| Earnings coverage of net charge-offs (x) | 2.1496% | 3,461 |
| Efficiency ratio | 84.8913% | 1,921 |
| Assets per employee ($millions) | 5.7212% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5203% | 1,267 |
| Loan loss allowance to noncurrent loans | 44.7416% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 4.8159% | 1,367 |
| Noncurrent loans to loans | 5.6329% | 1,216 |
| Net loans and leases to total assets | 67.1645% | 3,587 |
| Net loans and leases to deposits | 80.7546% | 3,503 |
| Net loans and leases to core deposits | 95.7063% | 2,617 |
| Total domestic deposits to total assets | 83.1711% | 4,537 |
| Equity capital to assets | 7.3852% | 7,151 |
| Core capital (leverage) ratio | 7.3171% | 7,009 |
| Tier 1 risk-based capital ratio | 9.7634% | 7,169 |
| Total risk-based capital ratio | 11.0273% | 7,164 |
| Memoranda: | ||
| Average total assets | $1,199,899,000 | 572 |
| Average earning assets | $1,131,632,500 | 548 |
| Average equity | $86,699,000 | 762 |
| Average total loans | $834,435,000 | 548 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 7,182 |
| Cost of funding earning assets | 2.6643% | 642 |
| Net interest margin | 2.0080% | 7,739 |
| Noninterest income to average assets | 0.2837% | 6,074 |
| Noninterest expense to average assets | 2.8017% | 4,967 |
| Loan and lease loss provision to assets | 2.0236% | 1,060 |
| Net operating income to assets | -1.5610% | 6,891 |
| Return on assets (ROA) | -1.4350% | 6,827 |
| Pretax return on assets | -2.4592% | 7,134 |
| Return on Equity (ROE) | -19.4972% | 7,130 |
| Retained earnings to average equity (ytd only) | -19.4972% | 7,093 |
| Net charge-offs to loans | 2.2406% | 1,055 |
| Credit loss provision to net charge-offs | 126.2446% | 4,129 |
| Earnings coverage of net charge-offs (x) | -0.3947% | 6,623 |
| Efficiency ratio | 129.1650% | 486 |
| Assets per employee ($millions) | 5.7891% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4190% | 1,335 |
| Loan loss allowance to noncurrent loans | 40.8313% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 5.0519% | 1,209 |
| Noncurrent loans to loans | 5.9243% | 1,059 |
| Net loans and leases to total assets | 68.4871% | 3,594 |
| Net loans and leases to deposits | 84.9721% | 3,096 |
| Net loans and leases to core deposits | 160.0797% | 344 |
| Total domestic deposits to total assets | 80.5995% | 5,475 |
| Equity capital to assets | 7.0655% | 7,344 |
| Core capital (leverage) ratio | 7.5733% | 6,715 |
| Tier 1 risk-based capital ratio | 9.7119% | 7,090 |
| Total risk-based capital ratio | 10.9747% | 7,060 |
| Memoranda: | ||
| Average total assets | $1,171,666,000 | 571 |
| Average earning assets | $1,100,091,200 | 551 |
| Average equity | $86,232,800 | 739 |
| Average total loans | $838,195,400 | 555 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 7,278 |
| Cost of funding earning assets | 2.8253% | 557 |
| Net interest margin | 1.8798% | 7,863 |
| Noninterest income to average assets | 0.2486% | 6,461 |
| Noninterest expense to average assets | 2.6921% | 5,360 |
| Loan and lease loss provision to assets | 1.5874% | 1,192 |
| Net operating income to assets | -1.3367% | 7,032 |
| Return on assets (ROA) | -1.1658% | 6,946 |
| Pretax return on assets | -2.0002% | 7,184 |
| Return on Equity (ROE) | -15.6781% | 7,219 |
| Retained earnings to average equity (ytd only) | -15.6781% | 7,169 |
| Net charge-offs to loans | 1.3986% | 1,476 |
| Credit loss provision to net charge-offs | 157.8828% | 3,018 |
| Earnings coverage of net charge-offs (x) | -0.6763% | 6,555 |
| Efficiency ratio | 133.7902% | 431 |
| Assets per employee ($millions) | 5.0764% | 2,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4249% | 1,142 |
| Loan loss allowance to noncurrent loans | 34.4110% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 6.6475% | 747 |
| Noncurrent loans to loans | 7.0470% | 763 |
| Net loans and leases to total assets | 74.5375% | 2,365 |
| Net loans and leases to deposits | 95.8813% | 1,593 |
| Net loans and leases to core deposits | 173.1817% | 244 |
| Total domestic deposits to total assets | 77.7393% | 6,159 |
| Equity capital to assets | 7.9559% | 6,889 |
| Core capital (leverage) ratio | 7.1807% | 7,281 |
| Tier 1 risk-based capital ratio | 9.4254% | 7,423 |
| Total risk-based capital ratio | 10.6884% | 7,378 |
| Memoranda: | ||
| Average total assets | $1,164,994,750 | 586 |
| Average earning assets | $1,092,983,750 | 569 |
| Average equity | $86,623,750 | 749 |
| Average total loans | $837,479,000 | 571 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6241% | 7,492 |
| Cost of funding earning assets | 2.8482% | 694 |
| Net interest margin | 1.7758% | 7,951 |
| Noninterest income to average assets | 0.1994% | 6,862 |
| Noninterest expense to average assets | 2.3947% | 6,478 |
| Loan and lease loss provision to assets | 1.7021% | 986 |
| Net operating income to assets | -1.2994% | 7,166 |
| Return on assets (ROA) | -1.0954% | 7,049 |
| Pretax return on assets | -1.9126% | 7,256 |
| Return on Equity (ROE) | -15.0598% | 7,331 |
| Retained earnings to average equity (ytd only) | -15.0598% | 7,240 |
| Net charge-offs to loans | 1.2108% | 1,515 |
| Credit loss provision to net charge-offs | 199.4460% | 2,296 |
| Earnings coverage of net charge-offs (x) | -0.6203% | 6,125 |
| Efficiency ratio | 128.3787% | 539 |
| Assets per employee ($millions) | 6.2740% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4475% | 943 |
| Loan loss allowance to noncurrent loans | 38.4032% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 5.8683% | 835 |
| Noncurrent loans to loans | 6.3733% | 838 |
| Net loans and leases to total assets | 67.6369% | 4,226 |
| Net loans and leases to deposits | 87.0781% | 3,343 |
| Net loans and leases to core deposits | 158.7428% | 475 |
| Total domestic deposits to total assets | 77.6738% | 6,159 |
| Equity capital to assets | 7.5139% | 7,249 |
| Core capital (leverage) ratio | 7.4497% | 7,083 |
| Tier 1 risk-based capital ratio | 9.9317% | 7,002 |
| Total risk-based capital ratio | 11.1728% | 6,942 |
| Memoranda: | ||
| Average total assets | $1,184,438,000 | 588 |
| Average earning assets | $1,111,142,000 | 571 |
| Average equity | $86,150,000 | 766 |
| Average total loans | $834,845,330 | 589 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 7,251 |
| Cost of funding earning assets | 2.9047% | 762 |
| Net interest margin | 1.9627% | 7,910 |
| Noninterest income to average assets | 0.1877% | 6,948 |
| Noninterest expense to average assets | 2.2290% | 6,765 |
| Loan and lease loss provision to assets | 1.1751% | 1,105 |
| Net operating income to assets | -1.3079% | 7,416 |
| Return on assets (ROA) | -0.6983% | 7,093 |
| Pretax return on assets | -0.7374% | 6,992 |
| Return on Equity (ROE) | -9.7656% | 7,346 |
| Retained earnings to average equity (ytd only) | -9.7656% | 7,086 |
| Net charge-offs to loans | 1.2652% | 1,110 |
| Credit loss provision to net charge-offs | 130.6818% | 3,064 |
| Earnings coverage of net charge-offs (x) | -0.2269% | 5,151 |
| Efficiency ratio | 110.0757% | 810 |
| Assets per employee ($millions) | 8.4774% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9434% | 1,533 |
| Loan loss allowance to noncurrent loans | 74.0710% | 3,915 |
| Noncurrent assets plus other real estate owned to assets | 3.2613% | 1,690 |
| Noncurrent loans to loans | 2.6237% | 2,508 |
| Net loans and leases to total assets | 68.4919% | 4,017 |
| Net loans and leases to deposits | 91.1302% | 2,753 |
| Net loans and leases to core deposits | 164.3099% | 432 |
| Total domestic deposits to total assets | 75.1583% | 6,678 |
| Equity capital to assets | 7.2326% | 7,538 |
| Core capital (leverage) ratio | 7.3630% | 7,306 |
| Tier 1 risk-based capital ratio | 9.6381% | 7,301 |
| Total risk-based capital ratio | 10.8954% | 7,226 |
| Memoranda: | ||
| Average total assets | $1,174,348,500 | 597 |
| Average earning assets | $1,099,307,500 | 579 |
| Average equity | $83,968,000 | 785 |
| Average total loans | $834,664,500 | 591 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7730% | 6,527 |
| Cost of funding earning assets | 3.2013% | 1,187 |
| Net interest margin | 2.5717% | 7,673 |
| Noninterest income to average assets | 0.1527% | 7,327 |
| Noninterest expense to average assets | 2.0594% | 7,325 |
| Loan and lease loss provision to assets | 1.9368% | 642 |
| Net operating income to assets | -1.0844% | 7,285 |
| Return on assets (ROA) | -1.0333% | 7,184 |
| Pretax return on assets | -1.3391% | 7,184 |
| Return on Equity (ROE) | -13.5308% | 7,520 |
| Retained earnings to average equity (ytd only) | -13.5308% | 7,374 |
| Net charge-offs to loans | 1.5355% | 751 |
| Credit loss provision to net charge-offs | 175.4876% | 2,898 |
| Earnings coverage of net charge-offs (x) | 0.4814% | 5,949 |
| Efficiency ratio | 79.4905% | 2,675 |
| Assets per employee ($millions) | 7.7932% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8475% | 1,535 |
| Loan loss allowance to noncurrent loans | 96.8038% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 2.5952% | 1,857 |
| Noncurrent loans to loans | 1.9085% | 2,883 |
| Net loans and leases to total assets | 71.0079% | 3,783 |
| Net loans and leases to deposits | 98.4626% | 2,057 |
| Net loans and leases to core deposits | 161.9399% | 535 |
| Total domestic deposits to total assets | 72.1166% | 6,974 |
| Equity capital to assets | 7.0647% | 7,703 |
| Core capital (leverage) ratio | 6.8745% | 7,782 |
| Tier 1 risk-based capital ratio | 8.8513% | 7,875 |
| Total risk-based capital ratio | 10.1072% | 7,909 |
| Memoranda: | ||
| Average total assets | $1,119,616,800 | 593 |
| Average earning assets | $1,061,402,200 | 571 |
| Average equity | $85,501,400 | 778 |
| Average total loans | $804,740,200 | 589 |