Home > Penn Community Bank > Performance and Condition Ratios
Penn Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 2,975 |
| Cost of funding earning assets | 1.8589% | 1,144 |
| Net interest margin | 2.7089% | 3,809 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 2.0671% | 3,480 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.6414% | 3,335 |
| Return on assets (ROA) | 0.6414% | 3,314 |
| Pretax return on assets | 0.7759% | 3,267 |
| Return on Equity (ROE) | 6.7700% | 3,336 |
| Retained earnings to average equity (ytd only) | 6.7666% | 1,966 |
| Net charge-offs to loans | -0.0104% | 4,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.4147% | 1,624 |
| Assets per employee ($millions) | 9.4383% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9052% | 3,691 |
| Loan loss allowance to noncurrent loans | 1,545.6658% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0390% | 3,362 |
| Noncurrent loans to loans | 0.0586% | 3,299 |
| Net loans and leases to total assets | 65.9900% | 2,258 |
| Net loans and leases to deposits | 87.7484% | 1,458 |
| Net loans and leases to core deposits | 98.1106% | 1,538 |
| Total domestic deposits to total assets | 75.2100% | 4,011 |
| Equity capital to assets | 9.9083% | 2,061 |
| Core capital (leverage) ratio | 12.2747% | 1,306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0930% | 900 |
| Memoranda: | ||
| Average total assets | $2,780,630,400 | 423 |
| Average earning assets | $2,582,562,200 | 413 |
| Average equity | $263,575,800 | 437 |
| Average total loans | $1,824,076,800 | 435 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5076% | 2,897 |
| Cost of funding earning assets | 1.6966% | 1,195 |
| Net interest margin | 2.8110% | 3,709 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 2.0696% | 3,422 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 0.6516% | 3,426 |
| Return on assets (ROA) | 0.6516% | 3,420 |
| Pretax return on assets | 0.7966% | 3,339 |
| Return on Equity (ROE) | 6.9600% | 3,444 |
| Retained earnings to average equity (ytd only) | 6.9555% | 2,300 |
| Net charge-offs to loans | -0.0169% | 4,084 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.9057% | 1,690 |
| Assets per employee ($millions) | 9.4169% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 3,503 |
| Loan loss allowance to noncurrent loans | 1,784.6758% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.0359% | 3,442 |
| Noncurrent loans to loans | 0.0543% | 3,366 |
| Net loans and leases to total assets | 65.5100% | 2,290 |
| Net loans and leases to deposits | 86.5337% | 1,508 |
| Net loans and leases to core deposits | 95.5709% | 1,579 |
| Total domestic deposits to total assets | 75.7000% | 4,037 |
| Equity capital to assets | 8.8422% | 2,510 |
| Core capital (leverage) ratio | 12.3214% | 1,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9832% | 948 |
| Memoranda: | ||
| Average total assets | $2,758,479,500 | 427 |
| Average earning assets | $2,558,605,000 | 416 |
| Average equity | $258,396,750 | 439 |
| Average total loans | $1,802,402,000 | 440 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4164% | 2,844 |
| Cost of funding earning assets | 1.5192% | 1,208 |
| Net interest margin | 2.8972% | 3,646 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.0712% | 3,425 |
| Loan and lease loss provision to assets | 0.1800% | 602 |
| Net operating income to assets | 0.6104% | 3,551 |
| Return on assets (ROA) | 0.6104% | 3,556 |
| Pretax return on assets | 0.7461% | 3,511 |
| Return on Equity (ROE) | 6.3900% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.3927% | 2,480 |
| Net charge-offs to loans | -0.0235% | 4,167 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.0062% | 1,865 |
| Assets per employee ($millions) | 9.1253% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 3,286 |
| Loan loss allowance to noncurrent loans | 1,733.0563% | 642 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 3,393 |
| Noncurrent loans to loans | 0.0595% | 3,269 |
| Net loans and leases to total assets | 64.4800% | 2,338 |
| Net loans and leases to deposits | 84.3153% | 1,645 |
| Net loans and leases to core deposits | 92.7924% | 1,636 |
| Total domestic deposits to total assets | 76.4800% | 4,005 |
| Equity capital to assets | 9.4440% | 2,192 |
| Core capital (leverage) ratio | 12.3082% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2083% | 928 |
| Memoranda: | ||
| Average total assets | $2,733,140,333 | 418 |
| Average earning assets | $2,536,600,000 | 408 |
| Average equity | $260,984,667 | 429 |
| Average total loans | $1,778,190,667 | 432 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2945% | 2,813 |
| Cost of funding earning assets | 1.2878% | 1,258 |
| Net interest margin | 3.0067% | 3,586 |
| Noninterest income to average assets | 0.3300% | 2,854 |
| Noninterest expense to average assets | 2.1218% | 3,326 |
| Loan and lease loss provision to assets | 0.1600% | 685 |
| Net operating income to assets | 0.6830% | 3,507 |
| Return on assets (ROA) | 0.6830% | 3,459 |
| Pretax return on assets | 0.8392% | 3,369 |
| Return on Equity (ROE) | 7.1100% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.1119% | 2,462 |
| Net charge-offs to loans | -0.0162% | 4,036 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.8165% | 1,991 |
| Assets per employee ($millions) | 8.9751% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9862% | 3,568 |
| Loan loss allowance to noncurrent loans | 1,738.2178% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 3,417 |
| Noncurrent loans to loans | 0.0567% | 3,334 |
| Net loans and leases to total assets | 64.1800% | 2,235 |
| Net loans and leases to deposits | 83.9439% | 1,504 |
| Net loans and leases to core deposits | 91.2380% | 1,544 |
| Total domestic deposits to total assets | 76.4500% | 4,131 |
| Equity capital to assets | 9.6777% | 2,016 |
| Core capital (leverage) ratio | 12.5180% | 1,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2174% | 962 |
| Memoranda: | ||
| Average total assets | $2,703,537,500 | 436 |
| Average earning assets | $2,508,784,500 | 423 |
| Average equity | $259,622,500 | 441 |
| Average total loans | $1,757,582,000 | 441 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 3,011 |
| Cost of funding earning assets | 0.4451% | 1,752 |
| Net interest margin | 3.0807% | 3,222 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.2508% | 2,891 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.8502% | 3,149 |
| Return on assets (ROA) | 0.8502% | 3,081 |
| Pretax return on assets | 1.0446% | 2,930 |
| Return on Equity (ROE) | 8.1900% | 3,335 |
| Retained earnings to average equity (ytd only) | 8.1861% | 1,763 |
| Net charge-offs to loans | 0.0001% | 2,617 |
| Credit loss provision to net charge-offs | 26,800.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 14,131.0000% | 5 |
| Efficiency ratio | 67.6409% | 2,006 |
| Assets per employee ($millions) | 9.1433% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,416 |
| Loan loss allowance to noncurrent loans | 1,225.3191% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 3,269 |
| Noncurrent loans to loans | 0.0813% | 3,175 |
| Net loans and leases to total assets | 64.5600% | 2,189 |
| Net loans and leases to deposits | 81.2046% | 1,682 |
| Net loans and leases to core deposits | 86.1377% | 1,740 |
| Total domestic deposits to total assets | 79.5000% | 3,945 |
| Equity capital to assets | 9.5261% | 1,984 |
| Core capital (leverage) ratio | 12.7399% | 1,013 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2344% | 948 |
| Memoranda: | ||
| Average total assets | $2,654,122,400 | 431 |
| Average earning assets | $2,487,180,200 | 421 |
| Average equity | $275,648,800 | 409 |
| Average total loans | $1,621,347,800 | 441 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3473% | 3,056 |
| Cost of funding earning assets | 0.3649% | 1,568 |
| Net interest margin | 2.9824% | 3,265 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.2175% | 2,881 |
| Loan and lease loss provision to assets | -0.0100% | 4,370 |
| Net operating income to assets | 0.8687% | 3,006 |
| Return on assets (ROA) | 0.8687% | 2,978 |
| Pretax return on assets | 1.0657% | 2,829 |
| Return on Equity (ROE) | 8.1900% | 3,270 |
| Retained earnings to average equity (ytd only) | 8.1943% | 1,929 |
| Net charge-offs to loans | -0.0157% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.5169% | 2,083 |
| Assets per employee ($millions) | 8.6044% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,556 |
| Loan loss allowance to noncurrent loans | 1,608.4778% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 3,507 |
| Noncurrent loans to loans | 0.0612% | 3,440 |
| Net loans and leases to total assets | 64.6100% | 2,025 |
| Net loans and leases to deposits | 76.0726% | 1,874 |
| Net loans and leases to core deposits | 79.7048% | 1,923 |
| Total domestic deposits to total assets | 84.9300% | 3,304 |
| Equity capital to assets | 9.2948% | 2,021 |
| Core capital (leverage) ratio | 12.6009% | 1,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0181% | 984 |
| Memoranda: | ||
| Average total assets | $2,652,475,750 | 434 |
| Average earning assets | $2,492,432,500 | 422 |
| Average equity | $281,195,750 | 404 |
| Average total loans | $1,592,924,000 | 446 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1625% | 3,158 |
| Cost of funding earning assets | 0.3594% | 1,194 |
| Net interest margin | 2.8031% | 3,438 |
| Noninterest income to average assets | 0.4980% | 2,214 |
| Noninterest expense to average assets | 2.1372% | 3,038 |
| Loan and lease loss provision to assets | 0.0246% | 2,154 |
| Net operating income to assets | 0.7981% | 2,964 |
| Return on assets (ROA) | 0.7981% | 2,934 |
| Pretax return on assets | 0.9794% | 2,803 |
| Return on Equity (ROE) | 7.2387% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.2387% | 1,903 |
| Net charge-offs to loans | -0.0311% | 4,050 |
| Credit loss provision to net charge-offs | -135.9504% | 3,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7602% | 2,274 |
| Assets per employee ($millions) | 8.5977% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0665% | 3,293 |
| Loan loss allowance to noncurrent loans | 1,181.0368% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 3,423 |
| Noncurrent loans to loans | 0.0903% | 3,319 |
| Net loans and leases to total assets | 61.0500% | 2,217 |
| Net loans and leases to deposits | 71.4577% | 2,074 |
| Net loans and leases to core deposits | 74.6207% | 2,117 |
| Total domestic deposits to total assets | 85.4352% | 3,386 |
| Equity capital to assets | 10.2661% | 1,555 |
| Core capital (leverage) ratio | 12.1733% | 1,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3940% | 936 |
| Memoranda: | ||
| Average total assets | $2,670,457,000 | 431 |
| Average earning assets | $2,518,118,333 | 416 |
| Average equity | $294,418,000 | 395 |
| Average total loans | $1,558,729,333 | 447 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 3,221 |
| Cost of funding earning assets | 0.3796% | 992 |
| Net interest margin | 2.6328% | 3,579 |
| Noninterest income to average assets | 0.4877% | 2,207 |
| Noninterest expense to average assets | 2.1235% | 3,069 |
| Loan and lease loss provision to assets | -0.0138% | 4,429 |
| Net operating income to assets | 0.7158% | 3,002 |
| Return on assets (ROA) | 0.7158% | 2,988 |
| Pretax return on assets | 0.8695% | 2,889 |
| Return on Equity (ROE) | 6.2809% | 3,258 |
| Retained earnings to average equity (ytd only) | 6.2809% | 2,146 |
| Net charge-offs to loans | -0.0928% | 4,438 |
| Credit loss provision to net charge-offs | 26.2712% | 1,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9887% | 2,102 |
| Assets per employee ($millions) | 9.0370% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,335 |
| Loan loss allowance to noncurrent loans | 1,194.9403% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 3,511 |
| Noncurrent loans to loans | 0.0919% | 3,381 |
| Net loans and leases to total assets | 57.2573% | 2,385 |
| Net loans and leases to deposits | 68.3773% | 2,112 |
| Net loans and leases to core deposits | 71.7040% | 2,140 |
| Total domestic deposits to total assets | 83.7373% | 3,814 |
| Equity capital to assets | 10.8270% | 1,420 |
| Core capital (leverage) ratio | 12.0209% | 1,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0911% | 893 |
| Memoranda: | ||
| Average total assets | $2,690,232,000 | 427 |
| Average earning assets | $2,545,900,000 | 414 |
| Average equity | $306,581,000 | 390 |
| Average total loans | $1,526,352,000 | 454 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1240% | 3,638 |
| Cost of funding earning assets | 0.4985% | 937 |
| Net interest margin | 2.6255% | 4,012 |
| Noninterest income to average assets | 0.6058% | 2,131 |
| Noninterest expense to average assets | 2.0903% | 3,412 |
| Loan and lease loss provision to assets | -0.0069% | 4,154 |
| Net operating income to assets | 0.8283% | 3,242 |
| Return on assets (ROA) | 0.8292% | 3,316 |
| Pretax return on assets | 1.0078% | 3,243 |
| Return on Equity (ROE) | 6.9505% | 3,529 |
| Retained earnings to average equity (ytd only) | 6.9505% | 1,933 |
| Net charge-offs to loans | -0.0140% | 3,849 |
| Credit loss provision to net charge-offs | 84.4749% | 1,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2703% | 2,088 |
| Assets per employee ($millions) | 8.7275% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,303 |
| Loan loss allowance to noncurrent loans | 950.7666% | 899 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 3,518 |
| Noncurrent loans to loans | 0.1171% | 3,349 |
| Net loans and leases to total assets | 54.9749% | 2,732 |
| Net loans and leases to deposits | 69.4186% | 2,182 |
| Net loans and leases to core deposits | 73.3582% | 2,127 |
| Total domestic deposits to total assets | 79.1934% | 4,295 |
| Equity capital to assets | 11.9588% | 1,268 |
| Core capital (leverage) ratio | 11.8331% | 1,156 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7668% | 785 |
| Memoranda: | ||
| Average total assets | $2,664,397,200 | 414 |
| Average earning assets | $2,521,109,800 | 402 |
| Average equity | $317,874,800 | 380 |
| Average total loans | $1,565,702,200 | 453 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1557% | 3,691 |
| Cost of funding earning assets | 0.5223% | 937 |
| Net interest margin | 2.6334% | 4,085 |
| Noninterest income to average assets | 0.6340% | 2,079 |
| Noninterest expense to average assets | 2.0467% | 3,534 |
| Loan and lease loss provision to assets | -0.0093% | 4,314 |
| Net operating income to assets | 0.8920% | 3,268 |
| Return on assets (ROA) | 0.8932% | 3,340 |
| Pretax return on assets | 1.0877% | 3,221 |
| Return on Equity (ROE) | 7.4911% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.4911% | 2,228 |
| Net charge-offs to loans | -0.0170% | 3,902 |
| Credit loss provision to net charge-offs | 91.5842% | 1,654 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1512% | 2,226 |
| Assets per employee ($millions) | 8.9134% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 3,442 |
| Loan loss allowance to noncurrent loans | 824.8028% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 3,614 |
| Noncurrent loans to loans | 0.1333% | 3,442 |
| Net loans and leases to total assets | 54.8133% | 2,870 |
| Net loans and leases to deposits | 70.0666% | 2,238 |
| Net loans and leases to core deposits | 73.9701% | 2,247 |
| Total domestic deposits to total assets | 78.2303% | 4,397 |
| Equity capital to assets | 11.7388% | 1,525 |
| Core capital (leverage) ratio | 11.7634% | 1,244 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6094% | 873 |
| Memoranda: | ||
| Average total assets | $2,654,116,250 | 418 |
| Average earning assets | $2,509,285,500 | 405 |
| Average equity | $316,456,750 | 383 |
| Average total loans | $1,581,102,500 | 455 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1719% | 3,724 |
| Cost of funding earning assets | 0.5502% | 938 |
| Net interest margin | 2.6217% | 4,129 |
| Noninterest income to average assets | 0.6736% | 1,916 |
| Noninterest expense to average assets | 2.0258% | 3,618 |
| Loan and lease loss provision to assets | -0.0141% | 4,418 |
| Net operating income to assets | 0.9366% | 3,111 |
| Return on assets (ROA) | 0.9366% | 3,188 |
| Pretax return on assets | 1.1384% | 3,092 |
| Return on Equity (ROE) | 7.8132% | 3,451 |
| Retained earnings to average equity (ytd only) | 7.8132% | 2,145 |
| Net charge-offs to loans | -0.0232% | 4,048 |
| Credit loss provision to net charge-offs | 99.4624% | 1,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9395% | 2,435 |
| Assets per employee ($millions) | 8.8911% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,480 |
| Loan loss allowance to noncurrent loans | 884.1270% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.0702% | 3,745 |
| Noncurrent loans to loans | 0.1227% | 3,578 |
| Net loans and leases to total assets | 56.5531% | 2,835 |
| Net loans and leases to deposits | 73.1125% | 2,093 |
| Net loans and leases to core deposits | 77.3601% | 2,108 |
| Total domestic deposits to total assets | 77.3508% | 4,490 |
| Equity capital to assets | 11.8992% | 1,418 |
| Core capital (leverage) ratio | 11.7373% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5683% | 878 |
| Memoranda: | ||
| Average total assets | $2,623,711,000 | 417 |
| Average earning assets | $2,478,424,333 | 403 |
| Average equity | $314,519,667 | 381 |
| Average total loans | $1,600,959,000 | 450 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2366% | 3,618 |
| Cost of funding earning assets | 0.5961% | 883 |
| Net interest margin | 2.6405% | 4,076 |
| Noninterest income to average assets | 0.7927% | 1,594 |
| Noninterest expense to average assets | 2.0424% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0407% | 2,667 |
| Return on assets (ROA) | 1.0407% | 2,751 |
| Pretax return on assets | 1.2433% | 2,724 |
| Return on Equity (ROE) | 8.6485% | 3,147 |
| Retained earnings to average equity (ytd only) | 8.6485% | 2,050 |
| Net charge-offs to loans | -0.0002% | 3,004 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7975% | 2,792 |
| Assets per employee ($millions) | 8.6238% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0422% | 3,686 |
| Loan loss allowance to noncurrent loans | 779.7480% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 3,801 |
| Noncurrent loans to loans | 0.1337% | 3,648 |
| Net loans and leases to total assets | 60.3225% | 2,502 |
| Net loans and leases to deposits | 78.4234% | 1,680 |
| Net loans and leases to core deposits | 83.3677% | 1,728 |
| Total domestic deposits to total assets | 76.9191% | 4,523 |
| Equity capital to assets | 11.7604% | 1,409 |
| Core capital (leverage) ratio | 11.8794% | 1,219 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3478% | 873 |
| Memoranda: | ||
| Average total assets | $2,588,568,500 | 417 |
| Average earning assets | $2,443,920,500 | 407 |
| Average equity | $311,497,500 | 379 |
| Average total loans | $1,631,315,000 | 440 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6689% | 3,657 |
| Cost of funding earning assets | 0.9025% | 848 |
| Net interest margin | 2.7664% | 4,301 |
| Noninterest income to average assets | 0.6134% | 2,168 |
| Noninterest expense to average assets | 2.2526% | 3,539 |
| Loan and lease loss provision to assets | 0.1256% | 2,789 |
| Net operating income to assets | 0.6921% | 3,460 |
| Return on assets (ROA) | 0.7119% | 3,529 |
| Pretax return on assets | 0.8638% | 3,465 |
| Return on Equity (ROE) | 5.7799% | 3,648 |
| Retained earnings to average equity (ytd only) | 5.7799% | 1,911 |
| Net charge-offs to loans | 0.0084% | 3,030 |
| Credit loss provision to net charge-offs | 2,150.6944% | 416 |
| Earnings coverage of net charge-offs (x) | 165.3125% | 529 |
| Efficiency ratio | 68.4901% | 2,166 |
| Assets per employee ($millions) | 8.3779% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 3,841 |
| Loan loss allowance to noncurrent loans | 460.1763% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 3,577 |
| Noncurrent loans to loans | 0.2188% | 3,419 |
| Net loans and leases to total assets | 64.4935% | 2,298 |
| Net loans and leases to deposits | 84.9052% | 1,373 |
| Net loans and leases to core deposits | 91.3848% | 1,430 |
| Total domestic deposits to total assets | 75.9595% | 4,509 |
| Equity capital to assets | 12.3157% | 1,411 |
| Core capital (leverage) ratio | 11.8291% | 1,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8305% | 924 |
| Memoranda: | ||
| Average total assets | $2,466,062,600 | 405 |
| Average earning assets | $2,321,720,000 | 389 |
| Average equity | $303,724,600 | 364 |
| Average total loans | $1,710,461,000 | 393 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 3,755 |
| Cost of funding earning assets | 0.9717% | 843 |
| Net interest margin | 2.7489% | 4,401 |
| Noninterest income to average assets | 0.5598% | 2,349 |
| Noninterest expense to average assets | 2.2631% | 3,517 |
| Loan and lease loss provision to assets | 0.1688% | 2,310 |
| Net operating income to assets | 0.5908% | 3,795 |
| Return on assets (ROA) | 0.6177% | 3,811 |
| Pretax return on assets | 0.7465% | 3,787 |
| Return on Equity (ROE) | 5.0152% | 3,894 |
| Retained earnings to average equity (ytd only) | 5.0152% | 2,550 |
| Net charge-offs to loans | 0.0270% | 2,294 |
| Credit loss provision to net charge-offs | 887.3926% | 910 |
| Earnings coverage of net charge-offs (x) | 46.4097% | 1,250 |
| Efficiency ratio | 71.3595% | 1,714 |
| Assets per employee ($millions) | 8.1740% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,871 |
| Loan loss allowance to noncurrent loans | 389.1535% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.1679% | 3,584 |
| Noncurrent loans to loans | 0.2451% | 3,423 |
| Net loans and leases to total assets | 67.8391% | 2,268 |
| Net loans and leases to deposits | 90.1244% | 1,247 |
| Net loans and leases to core deposits | 97.3244% | 1,354 |
| Total domestic deposits to total assets | 75.2727% | 4,481 |
| Equity capital to assets | 12.1952% | 1,574 |
| Core capital (leverage) ratio | 11.6766% | 1,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0477% | 1,048 |
| Memoranda: | ||
| Average total assets | $2,445,858,750 | 395 |
| Average earning assets | $2,301,086,750 | 383 |
| Average equity | $301,239,250 | 358 |
| Average total loans | $1,723,256,000 | 385 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8318% | 3,783 |
| Cost of funding earning assets | 1.0520% | 832 |
| Net interest margin | 2.7798% | 4,477 |
| Noninterest income to average assets | 0.5538% | 2,334 |
| Noninterest expense to average assets | 2.2615% | 3,616 |
| Loan and lease loss provision to assets | 0.2157% | 1,932 |
| Net operating income to assets | 0.5732% | 3,823 |
| Return on assets (ROA) | 0.6140% | 3,767 |
| Pretax return on assets | 0.7397% | 3,770 |
| Return on Equity (ROE) | 4.9683% | 3,836 |
| Retained earnings to average equity (ytd only) | 4.9683% | 2,492 |
| Net charge-offs to loans | 0.0433% | 1,879 |
| Credit loss provision to net charge-offs | 699.4638% | 1,006 |
| Earnings coverage of net charge-offs (x) | 29.3887% | 1,453 |
| Efficiency ratio | 70.7675% | 1,854 |
| Assets per employee ($millions) | 8.0548% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 3,963 |
| Loan loss allowance to noncurrent loans | 414.7303% | 1,193 |
| Noncurrent assets plus other real estate owned to assets | 0.1529% | 3,757 |
| Noncurrent loans to loans | 0.2191% | 3,597 |
| Net loans and leases to total assets | 69.1823% | 2,160 |
| Net loans and leases to deposits | 92.5317% | 1,091 |
| Net loans and leases to core deposits | 100.5366% | 1,220 |
| Total domestic deposits to total assets | 74.7661% | 4,537 |
| Equity capital to assets | 12.1118% | 1,596 |
| Core capital (leverage) ratio | 11.7390% | 1,529 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7460% | 1,093 |
| Memoranda: | ||
| Average total assets | $2,419,220,667 | 393 |
| Average earning assets | $2,274,837,333 | 379 |
| Average equity | $298,978,333 | 361 |
| Average total loans | $1,721,019,667 | 386 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 3,783 |
| Cost of funding earning assets | 1.1510% | 902 |
| Net interest margin | 2.8503% | 4,502 |
| Noninterest income to average assets | 0.5955% | 2,057 |
| Noninterest expense to average assets | 2.4384% | 3,454 |
| Loan and lease loss provision to assets | 0.2370% | 1,309 |
| Net operating income to assets | 0.4898% | 3,922 |
| Return on assets (ROA) | 0.5699% | 3,750 |
| Pretax return on assets | 0.6955% | 3,697 |
| Return on Equity (ROE) | 4.5627% | 3,797 |
| Retained earnings to average equity (ytd only) | 4.5627% | 2,473 |
| Net charge-offs to loans | -0.0021% | 3,661 |
| Credit loss provision to net charge-offs | -15,588.8889% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7822% | 1,851 |
| Assets per employee ($millions) | 7.4888% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,170 |
| Loan loss allowance to noncurrent loans | 346.0643% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1841% | 3,757 |
| Noncurrent loans to loans | 0.2555% | 3,577 |
| Net loans and leases to total assets | 70.9518% | 2,097 |
| Net loans and leases to deposits | 98.4086% | 667 |
| Net loans and leases to core deposits | 107.9763% | 947 |
| Total domestic deposits to total assets | 72.0991% | 4,763 |
| Equity capital to assets | 12.5109% | 1,719 |
| Core capital (leverage) ratio | 12.0494% | 1,712 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1993% | 1,302 |
| Memoranda: | ||
| Average total assets | $2,368,248,500 | 388 |
| Average earning assets | $2,224,883,000 | 374 |
| Average equity | $295,788,000 | 362 |
| Average total loans | $1,701,433,000 | 381 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1444% | 3,941 |
| Cost of funding earning assets | 1.1834% | 1,063 |
| Net interest margin | 2.9609% | 4,560 |
| Noninterest income to average assets | 0.4426% | 3,042 |
| Noninterest expense to average assets | 2.5633% | 3,278 |
| Loan and lease loss provision to assets | 0.1261% | 1,688 |
| Net operating income to assets | 0.4443% | 4,513 |
| Return on assets (ROA) | 0.4520% | 4,536 |
| Pretax return on assets | 0.5272% | 4,527 |
| Return on Equity (ROE) | 3.5841% | 4,555 |
| Retained earnings to average equity (ytd only) | 3.5841% | 3,209 |
| Net charge-offs to loans | 0.0159% | 3,149 |
| Credit loss provision to net charge-offs | 1,133.2000% | 307 |
| Earnings coverage of net charge-offs (x) | 57.9040% | 1,003 |
| Efficiency ratio | 79.2591% | 1,010 |
| Assets per employee ($millions) | 6.9645% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 4,256 |
| Loan loss allowance to noncurrent loans | 435.5921% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 3,963 |
| Noncurrent loans to loans | 0.1872% | 3,783 |
| Net loans and leases to total assets | 71.5207% | 2,166 |
| Net loans and leases to deposits | 98.8984% | 680 |
| Net loans and leases to core deposits | 107.7964% | 983 |
| Total domestic deposits to total assets | 72.3174% | 4,858 |
| Equity capital to assets | 12.4681% | 1,837 |
| Core capital (leverage) ratio | 12.1298% | 1,694 |
| Tier 1 risk-based capital ratio | 16.1805% | 2,338 |
| Total risk-based capital ratio | 17.0412% | 2,414 |
| Memoranda: | ||
| Average total assets | $2,246,856,000 | 384 |
| Average earning assets | $2,098,155,600 | 375 |
| Average equity | $283,364,600 | 364 |
| Average total loans | $1,575,905,800 | 389 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 4,009 |
| Cost of funding earning assets | 1.1729% | 1,105 |
| Net interest margin | 2.9892% | 4,636 |
| Noninterest income to average assets | 0.4328% | 3,122 |
| Noninterest expense to average assets | 2.6052% | 3,158 |
| Loan and lease loss provision to assets | 0.1069% | 1,813 |
| Net operating income to assets | 0.4371% | 4,643 |
| Return on assets (ROA) | 0.4476% | 4,660 |
| Pretax return on assets | 0.5206% | 4,669 |
| Return on Equity (ROE) | 3.5382% | 4,668 |
| Retained earnings to average equity (ytd only) | 3.5382% | 3,635 |
| Net charge-offs to loans | 0.0084% | 3,069 |
| Credit loss provision to net charge-offs | 1,837.1134% | 211 |
| Earnings coverage of net charge-offs (x) | 105.7939% | 721 |
| Efficiency ratio | 80.2231% | 905 |
| Assets per employee ($millions) | 6.8232% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7895% | 4,440 |
| Loan loss allowance to noncurrent loans | 355.4880% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 3,937 |
| Noncurrent loans to loans | 0.2221% | 3,749 |
| Net loans and leases to total assets | 70.2686% | 2,430 |
| Net loans and leases to deposits | 97.3097% | 893 |
| Net loans and leases to core deposits | 106.4408% | 1,154 |
| Total domestic deposits to total assets | 72.2112% | 4,907 |
| Equity capital to assets | 12.5939% | 1,846 |
| Core capital (leverage) ratio | 12.3428% | 1,660 |
| Tier 1 risk-based capital ratio | 16.6237% | 2,216 |
| Total risk-based capital ratio | 17.4627% | 2,288 |
| Memoranda: | ||
| Average total assets | $2,223,549,250 | 388 |
| Average earning assets | $2,073,737,250 | 381 |
| Average equity | $281,264,750 | 361 |
| Average total loans | $1,548,032,250 | 397 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 4,012 |
| Cost of funding earning assets | 1.1603% | 1,106 |
| Net interest margin | 3.0033% | 4,679 |
| Noninterest income to average assets | 0.4511% | 2,955 |
| Noninterest expense to average assets | 2.6751% | 2,993 |
| Loan and lease loss provision to assets | 0.1044% | 1,795 |
| Net operating income to assets | 0.4129% | 4,714 |
| Return on assets (ROA) | 0.4256% | 4,710 |
| Pretax return on assets | 0.4857% | 4,717 |
| Return on Equity (ROE) | 3.3595% | 4,712 |
| Retained earnings to average equity (ytd only) | 3.3595% | 3,551 |
| Net charge-offs to loans | 0.0142% | 2,630 |
| Credit loss provision to net charge-offs | 1,062.0370% | 327 |
| Earnings coverage of net charge-offs (x) | 58.5833% | 993 |
| Efficiency ratio | 81.6065% | 834 |
| Assets per employee ($millions) | 6.6382% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7831% | 4,499 |
| Loan loss allowance to noncurrent loans | 310.9753% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 3,890 |
| Noncurrent loans to loans | 0.2518% | 3,631 |
| Net loans and leases to total assets | 68.5505% | 2,748 |
| Net loans and leases to deposits | 95.1005% | 1,140 |
| Net loans and leases to core deposits | 104.3423% | 1,359 |
| Total domestic deposits to total assets | 72.0821% | 4,968 |
| Equity capital to assets | 12.6495% | 1,777 |
| Core capital (leverage) ratio | 12.4296% | 1,573 |
| Tier 1 risk-based capital ratio | 17.0376% | 2,077 |
| Total risk-based capital ratio | 17.8665% | 2,148 |
| Memoranda: | ||
| Average total assets | $2,198,261,000 | 393 |
| Average earning assets | $2,049,194,330 | 387 |
| Average equity | $278,491,330 | 365 |
| Average total loans | $1,521,168,670 | 401 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1583% | 3,978 |
| Cost of funding earning assets | 1.1421% | 1,063 |
| Net interest margin | 3.0162% | 4,727 |
| Noninterest income to average assets | 0.4483% | 2,859 |
| Noninterest expense to average assets | 2.7889% | 2,608 |
| Loan and lease loss provision to assets | 0.1070% | 1,667 |
| Net operating income to assets | 0.3283% | 4,863 |
| Return on assets (ROA) | 0.3283% | 4,872 |
| Pretax return on assets | 0.3580% | 4,891 |
| Return on Equity (ROE) | 2.5892% | 4,874 |
| Retained earnings to average equity (ytd only) | 2.5892% | 3,892 |
| Net charge-offs to loans | 0.0498% | 1,571 |
| Credit loss provision to net charge-offs | 310.1604% | 803 |
| Earnings coverage of net charge-offs (x) | 13.4813% | 1,837 |
| Efficiency ratio | 85.0196% | 643 |
| Assets per employee ($millions) | 6.3527% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 4,614 |
| Loan loss allowance to noncurrent loans | 263.1627% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 3,808 |
| Noncurrent loans to loans | 0.2919% | 3,521 |
| Net loans and leases to total assets | 68.5763% | 2,683 |
| Net loans and leases to deposits | 97.5506% | 833 |
| Net loans and leases to core deposits | 106.4523% | 1,145 |
| Total domestic deposits to total assets | 70.2982% | 5,101 |
| Equity capital to assets | 12.7948% | 1,569 |
| Core capital (leverage) ratio | 12.4957% | 1,520 |
| Tier 1 risk-based capital ratio | 17.6649% | 1,893 |
| Total risk-based capital ratio | 18.4929% | 1,974 |
| Memoranda: | ||
| Average total assets | $2,168,895,000 | 403 |
| Average earning assets | $2,017,364,500 | 390 |
| Average equity | $274,987,500 | 370 |
| Average total loans | $1,502,057,500 | 409 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9347% | 4,202 |
| Cost of funding earning assets | 0.8896% | 1,139 |
| Net interest margin | 3.0451% | 4,740 |
| Noninterest income to average assets | 0.4912% | 2,879 |
| Noninterest expense to average assets | 2.5194% | 3,557 |
| Loan and lease loss provision to assets | 0.1330% | 1,642 |
| Net operating income to assets | 0.5560% | 4,532 |
| Return on assets (ROA) | 0.5560% | 4,529 |
| Pretax return on assets | 0.6615% | 4,509 |
| Return on Equity (ROE) | 4.3465% | 4,617 |
| Retained earnings to average equity (ytd only) | 4.3465% | 3,150 |
| Net charge-offs to loans | 0.0484% | 2,465 |
| Credit loss provision to net charge-offs | 405.8910% | 817 |
| Earnings coverage of net charge-offs (x) | 24.2386% | 1,822 |
| Efficiency ratio | 75.2280% | 1,462 |
| Assets per employee ($millions) | 6.3494% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7457% | 4,691 |
| Loan loss allowance to noncurrent loans | 233.7448% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 3,718 |
| Noncurrent loans to loans | 0.3190% | 3,407 |
| Net loans and leases to total assets | 68.8857% | 2,749 |
| Net loans and leases to deposits | 99.2395% | 800 |
| Net loans and leases to core deposits | 107.4597% | 1,163 |
| Total domestic deposits to total assets | 69.4136% | 5,174 |
| Equity capital to assets | 12.5615% | 1,552 |
| Core capital (leverage) ratio | 12.6049% | 1,408 |
| Tier 1 risk-based capital ratio | 17.6596% | 1,858 |
| Total risk-based capital ratio | 18.4684% | 1,939 |
| Memoranda: | ||
| Average total assets | $2,071,413,000 | 407 |
| Average earning assets | $1,920,195,600 | 402 |
| Average equity | $264,992,800 | 373 |
| Average total loans | $1,403,442,400 | 423 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8877% | 4,241 |
| Cost of funding earning assets | 0.8302% | 1,194 |
| Net interest margin | 3.0574% | 4,771 |
| Noninterest income to average assets | 0.5443% | 2,595 |
| Noninterest expense to average assets | 2.5406% | 3,476 |
| Loan and lease loss provision to assets | 0.0697% | 2,576 |
| Net operating income to assets | 0.6424% | 4,388 |
| Return on assets (ROA) | 0.6424% | 4,397 |
| Pretax return on assets | 0.7658% | 4,381 |
| Return on Equity (ROE) | 4.9977% | 4,564 |
| Retained earnings to average equity (ytd only) | 4.9977% | 3,235 |
| Net charge-offs to loans | 0.0597% | 1,971 |
| Credit loss provision to net charge-offs | 173.3010% | 1,545 |
| Earnings coverage of net charge-offs (x) | 20.7815% | 1,943 |
| Efficiency ratio | 74.4499% | 1,526 |
| Assets per employee ($millions) | 6.2952% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6668% | 4,938 |
| Loan loss allowance to noncurrent loans | 245.3494% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.1857% | 4,008 |
| Noncurrent loans to loans | 0.2718% | 3,711 |
| Net loans and leases to total assets | 67.8602% | 2,965 |
| Net loans and leases to deposits | 98.2752% | 931 |
| Net loans and leases to core deposits | 105.8159% | 1,324 |
| Total domestic deposits to total assets | 69.0512% | 5,259 |
| Equity capital to assets | 12.6006% | 1,521 |
| Core capital (leverage) ratio | 12.7703% | 1,382 |
| Tier 1 risk-based capital ratio | 18.3725% | 1,700 |
| Total risk-based capital ratio | 19.1340% | 1,784 |
| Memoranda: | ||
| Average total assets | $2,049,565,250 | 410 |
| Average earning assets | $1,898,339,000 | 404 |
| Average equity | $263,446,250 | 373 |
| Average total loans | $1,379,732,750 | 426 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 4,335 |
| Cost of funding earning assets | 0.7771% | 1,244 |
| Net interest margin | 3.0296% | 4,841 |
| Noninterest income to average assets | 0.5218% | 2,740 |
| Noninterest expense to average assets | 2.5624% | 3,439 |
| Loan and lease loss provision to assets | 0.0790% | 2,328 |
| Net operating income to assets | 0.5821% | 4,554 |
| Return on assets (ROA) | 0.5821% | 4,548 |
| Pretax return on assets | 0.6892% | 4,541 |
| Return on Equity (ROE) | 4.4982% | 4,695 |
| Retained earnings to average equity (ytd only) | 4.4982% | 3,342 |
| Net charge-offs to loans | 0.0647% | 1,696 |
| Credit loss provision to net charge-offs | 182.0862% | 1,396 |
| Earnings coverage of net charge-offs (x) | 17.7143% | 1,940 |
| Efficiency ratio | 76.1005% | 1,414 |
| Assets per employee ($millions) | 6.2289% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6715% | 4,993 |
| Loan loss allowance to noncurrent loans | 207.4578% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2198% | 3,902 |
| Noncurrent loans to loans | 0.3237% | 3,544 |
| Net loans and leases to total assets | 67.4495% | 2,953 |
| Net loans and leases to deposits | 97.4591% | 1,001 |
| Net loans and leases to core deposits | 104.2298% | 1,378 |
| Total domestic deposits to total assets | 69.2080% | 5,302 |
| Equity capital to assets | 12.6878% | 1,447 |
| Core capital (leverage) ratio | 12.8427% | 1,301 |
| Tier 1 risk-based capital ratio | 18.1727% | 1,758 |
| Total risk-based capital ratio | 18.9362% | 1,849 |
| Memoranda: | ||
| Average total assets | $2,033,991,330 | 414 |
| Average earning assets | $1,885,650,670 | 406 |
| Average equity | $263,213,670 | 369 |
| Average total loans | $1,362,279,330 | 428 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7455% | 4,371 |
| Cost of funding earning assets | 0.7507% | 1,185 |
| Net interest margin | 2.9948% | 4,891 |
| Noninterest income to average assets | 0.5273% | 2,647 |
| Noninterest expense to average assets | 2.6550% | 3,174 |
| Loan and lease loss provision to assets | 0.0661% | 2,448 |
| Net operating income to assets | 0.5059% | 4,682 |
| Return on assets (ROA) | 0.5059% | 4,687 |
| Pretax return on assets | 0.5843% | 4,724 |
| Return on Equity (ROE) | 3.8703% | 4,794 |
| Retained earnings to average equity (ytd only) | 3.8703% | 3,644 |
| Net charge-offs to loans | 0.1201% | 1,066 |
| Credit loss provision to net charge-offs | 82.8358% | 1,724 |
| Earnings coverage of net charge-offs (x) | 8.1468% | 2,048 |
| Efficiency ratio | 79.4736% | 1,200 |
| Assets per employee ($millions) | 6.3060% | 1,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6683% | 5,081 |
| Loan loss allowance to noncurrent loans | 210.3705% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2126% | 4,030 |
| Noncurrent loans to loans | 0.3177% | 3,629 |
| Net loans and leases to total assets | 66.4862% | 2,968 |
| Net loans and leases to deposits | 95.0141% | 1,133 |
| Net loans and leases to core deposits | 101.4614% | 1,575 |
| Total domestic deposits to total assets | 69.9751% | 5,363 |
| Equity capital to assets | 12.9667% | 1,263 |
| Core capital (leverage) ratio | 12.9356% | 1,203 |
| Tier 1 risk-based capital ratio | 18.7339% | 1,623 |
| Total risk-based capital ratio | 19.5003% | 1,723 |
| Memoranda: | ||
| Average total assets | $2,013,883,000 | 419 |
| Average earning assets | $1,868,141,000 | 413 |
| Average equity | $263,235,000 | 370 |
| Average total loans | $1,339,168,500 | 434 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6821% | 4,378 |
| Cost of funding earning assets | 0.7000% | 1,017 |
| Net interest margin | 2.9821% | 4,924 |
| Noninterest income to average assets | 0.6500% | 2,194 |
| Noninterest expense to average assets | 2.5507% | 3,604 |
| Loan and lease loss provision to assets | 0.0619% | 2,987 |
| Net operating income to assets | 0.4162% | 4,639 |
| Return on assets (ROA) | 0.4253% | 4,628 |
| Pretax return on assets | 0.8138% | 4,210 |
| Return on Equity (ROE) | 3.2329% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.2329% | 3,357 |
| Net charge-offs to loans | 0.1230% | 1,820 |
| Credit loss provision to net charge-offs | 76.2233% | 2,996 |
| Earnings coverage of net charge-offs (x) | 10.6136% | 2,657 |
| Efficiency ratio | 73.8206% | 1,920 |
| Assets per employee ($millions) | 6.2032% | 1,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6851% | 5,099 |
| Loan loss allowance to noncurrent loans | 142.9065% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 3,604 |
| Noncurrent loans to loans | 0.4794% | 3,075 |
| Net loans and leases to total assets | 65.6058% | 3,149 |
| Net loans and leases to deposits | 94.6188% | 1,204 |
| Net loans and leases to core deposits | 101.1052% | 1,626 |
| Total domestic deposits to total assets | 69.3370% | 5,429 |
| Equity capital to assets | 13.1757% | 1,177 |
| Core capital (leverage) ratio | 12.9833% | 1,148 |
| Tier 1 risk-based capital ratio | 19.3619% | 1,437 |
| Total risk-based capital ratio | 20.1304% | 1,497 |
| Memoranda: | ||
| Average total assets | $1,963,549,600 | 415 |
| Average earning assets | $1,818,829,000 | 410 |
| Average equity | $258,285,200 | 359 |
| Average total loans | $1,295,474,600 | 431 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6568% | 4,431 |
| Cost of funding earning assets | 0.6866% | 1,030 |
| Net interest margin | 2.9702% | 4,987 |
| Noninterest income to average assets | 0.7125% | 1,945 |
| Noninterest expense to average assets | 2.4481% | 3,891 |
| Loan and lease loss provision to assets | 0.1099% | 1,940 |
| Net operating income to assets | 0.6869% | 4,041 |
| Return on assets (ROA) | 0.6973% | 4,065 |
| Pretax return on assets | 0.9169% | 3,982 |
| Return on Equity (ROE) | 5.3030% | 4,412 |
| Retained earnings to average equity (ytd only) | 5.3030% | 2,679 |
| Net charge-offs to loans | 0.1490% | 1,350 |
| Credit loss provision to net charge-offs | 111.8138% | 2,123 |
| Earnings coverage of net charge-offs (x) | 10.3072% | 2,608 |
| Efficiency ratio | 69.7946% | 2,566 |
| Assets per employee ($millions) | 6.2518% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 5,046 |
| Loan loss allowance to noncurrent loans | 133.8654% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,268 |
| Noncurrent loans to loans | 0.5534% | 3,035 |
| Net loans and leases to total assets | 65.4132% | 3,189 |
| Net loans and leases to deposits | 92.2890% | 1,529 |
| Net loans and leases to core deposits | 98.7486% | 1,824 |
| Total domestic deposits to total assets | 70.8787% | 5,444 |
| Equity capital to assets | 13.3333% | 1,235 |
| Core capital (leverage) ratio | 13.0128% | 1,201 |
| Tier 1 risk-based capital ratio | 19.5247% | 1,473 |
| Total risk-based capital ratio | 20.3198% | 1,528 |
| Memoranda: | ||
| Average total assets | $1,951,974,750 | 417 |
| Average earning assets | $1,806,416,000 | 414 |
| Average equity | $256,653,500 | 362 |
| Average total loans | $1,287,424,750 | 433 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6156% | 4,473 |
| Cost of funding earning assets | 0.6770% | 1,006 |
| Net interest margin | 2.9386% | 5,023 |
| Noninterest income to average assets | 0.7505% | 1,770 |
| Noninterest expense to average assets | 2.4664% | 3,862 |
| Loan and lease loss provision to assets | 0.2299% | 751 |
| Net operating income to assets | 0.5829% | 4,378 |
| Return on assets (ROA) | 0.5898% | 4,404 |
| Pretax return on assets | 0.7820% | 4,335 |
| Return on Equity (ROE) | 4.5070% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.5070% | 3,026 |
| Net charge-offs to loans | 0.0496% | 2,224 |
| Credit loss provision to net charge-offs | 702.8302% | 500 |
| Earnings coverage of net charge-offs (x) | 30.6509% | 1,447 |
| Efficiency ratio | 70.1441% | 2,651 |
| Assets per employee ($millions) | 6.3374% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8734% | 4,738 |
| Loan loss allowance to noncurrent loans | 102.2621% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 2,608 |
| Noncurrent loans to loans | 0.8540% | 2,275 |
| Net loans and leases to total assets | 65.3934% | 3,196 |
| Net loans and leases to deposits | 90.7306% | 1,637 |
| Net loans and leases to core deposits | 97.2519% | 1,871 |
| Total domestic deposits to total assets | 72.0742% | 5,448 |
| Equity capital to assets | 13.0808% | 1,337 |
| Core capital (leverage) ratio | 12.7559% | 1,276 |
| Tier 1 risk-based capital ratio | 19.0821% | 1,583 |
| Total risk-based capital ratio | 20.0064% | 1,611 |
| Memoranda: | ||
| Average total assets | $1,944,112,670 | 418 |
| Average earning assets | $1,798,587,000 | 418 |
| Average equity | $254,402,000 | 367 |
| Average total loans | $1,282,592,000 | 437 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5906% | 4,444 |
| Cost of funding earning assets | 0.6619% | 1,018 |
| Net interest margin | 2.9287% | 5,028 |
| Noninterest income to average assets | 0.4072% | 3,608 |
| Noninterest expense to average assets | 2.4628% | 3,928 |
| Loan and lease loss provision to assets | 0.1276% | 1,512 |
| Net operating income to assets | 0.4260% | 4,867 |
| Return on assets (ROA) | 0.4260% | 4,889 |
| Pretax return on assets | 0.5244% | 4,917 |
| Return on Equity (ROE) | 3.2551% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.2551% | 3,806 |
| Net charge-offs to loans | 0.0053% | 2,785 |
| Credit loss provision to net charge-offs | 3,617.6471% | 91 |
| Earnings coverage of net charge-offs (x) | 184.8235% | 309 |
| Efficiency ratio | 78.0013% | 1,629 |
| Assets per employee ($millions) | 6.4473% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 5,118 |
| Loan loss allowance to noncurrent loans | 99.5257% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 2,818 |
| Noncurrent loans to loans | 0.7802% | 2,510 |
| Net loans and leases to total assets | 65.6713% | 3,027 |
| Net loans and leases to deposits | 91.9606% | 1,330 |
| Net loans and leases to core deposits | 98.4798% | 1,619 |
| Total domestic deposits to total assets | 71.4124% | 5,576 |
| Equity capital to assets | 12.9372% | 1,281 |
| Core capital (leverage) ratio | 12.9173% | 1,176 |
| Tier 1 risk-based capital ratio | 18.6994% | 1,691 |
| Total risk-based capital ratio | 19.5192% | 1,752 |
| Memoranda: | ||
| Average total assets | $1,927,535,000 | 426 |
| Average earning assets | $1,782,113,000 | 423 |
| Average equity | $252,281,500 | 369 |
| Average total loans | $1,271,690,500 | 443 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5808% | 4,566 |
| Cost of funding earning assets | 0.6738% | 935 |
| Net interest margin | 2.9070% | 5,129 |
| Noninterest income to average assets | 0.5427% | 2,962 |
| Noninterest expense to average assets | 2.4964% | 4,024 |
| Loan and lease loss provision to assets | 0.1011% | 2,354 |
| Net operating income to assets | 0.4878% | 4,678 |
| Return on assets (ROA) | 0.4901% | 4,747 |
| Pretax return on assets | 0.6275% | 4,716 |
| Return on Equity (ROE) | 3.6122% | 4,974 |
| Retained earnings to average equity (ytd only) | 3.6122% | 3,352 |
| Net charge-offs to loans | 0.1190% | 2,064 |
| Credit loss provision to net charge-offs | 128.9438% | 2,076 |
| Earnings coverage of net charge-offs (x) | 9.2531% | 2,771 |
| Efficiency ratio | 76.2841% | 1,940 |
| Assets per employee ($millions) | 6.3807% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7603% | 5,212 |
| Loan loss allowance to noncurrent loans | 105.2427% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 3,041 |
| Noncurrent loans to loans | 0.7225% | 2,731 |
| Net loans and leases to total assets | 65.2575% | 3,186 |
| Net loans and leases to deposits | 91.0945% | 1,562 |
| Net loans and leases to core deposits | 97.5980% | 1,792 |
| Total domestic deposits to total assets | 71.6372% | 5,586 |
| Equity capital to assets | 13.2445% | 1,156 |
| Core capital (leverage) ratio | 13.1647% | 1,076 |
| Tier 1 risk-based capital ratio | 19.3241% | 1,519 |
| Total risk-based capital ratio | 20.1298% | 1,593 |
| Memoranda: | ||
| Average total assets | $1,859,249,600 | 419 |
| Average earning assets | $1,713,601,400 | 417 |
| Average equity | $252,258,400 | 359 |
| Average total loans | $1,225,315,800 | 436 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5954% | 4,564 |
| Cost of funding earning assets | 0.6732% | 933 |
| Net interest margin | 2.9221% | 5,147 |
| Noninterest income to average assets | 0.5438% | 2,948 |
| Noninterest expense to average assets | 2.5192% | 3,930 |
| Loan and lease loss provision to assets | 0.1661% | 1,373 |
| Net operating income to assets | 0.4387% | 4,906 |
| Return on assets (ROA) | 0.4419% | 4,983 |
| Pretax return on assets | 0.5541% | 4,993 |
| Return on Equity (ROE) | 3.2370% | 5,163 |
| Retained earnings to average equity (ytd only) | 3.2370% | 3,970 |
| Net charge-offs to loans | 0.1516% | 1,481 |
| Credit loss provision to net charge-offs | 166.1860% | 1,667 |
| Earnings coverage of net charge-offs (x) | 7.1665% | 2,907 |
| Efficiency ratio | 76.6459% | 1,885 |
| Assets per employee ($millions) | 6.4213% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8132% | 5,153 |
| Loan loss allowance to noncurrent loans | 132.7343% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 2,991 |
| Noncurrent loans to loans | 0.6126% | 3,181 |
| Net loans and leases to total assets | 65.3102% | 3,237 |
| Net loans and leases to deposits | 91.2324% | 1,603 |
| Net loans and leases to core deposits | 98.1608% | 1,796 |
| Total domestic deposits to total assets | 71.5866% | 5,614 |
| Equity capital to assets | 13.7989% | 1,120 |
| Core capital (leverage) ratio | 13.1172% | 1,146 |
| Tier 1 risk-based capital ratio | 19.4331% | 1,564 |
| Total risk-based capital ratio | 20.2935% | 1,620 |
| Memoranda: | ||
| Average total assets | $1,850,291,500 | 422 |
| Average earning assets | $1,704,329,250 | 419 |
| Average equity | $252,574,250 | 358 |
| Average total loans | $1,220,105,000 | 438 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6059% | 4,570 |
| Cost of funding earning assets | 0.6708% | 935 |
| Net interest margin | 2.9350% | 5,198 |
| Noninterest income to average assets | 0.5200% | 3,066 |
| Noninterest expense to average assets | 2.5449% | 3,900 |
| Loan and lease loss provision to assets | 0.2136% | 995 |
| Net operating income to assets | 0.3786% | 5,096 |
| Return on assets (ROA) | 0.3835% | 5,165 |
| Pretax return on assets | 0.4670% | 5,208 |
| Return on Equity (ROE) | 2.8195% | 5,294 |
| Retained earnings to average equity (ytd only) | 2.8195% | 4,105 |
| Net charge-offs to loans | 0.1873% | 1,230 |
| Credit loss provision to net charge-offs | 172.8309% | 1,441 |
| Earnings coverage of net charge-offs (x) | 5.4584% | 2,854 |
| Efficiency ratio | 77.7942% | 1,823 |
| Assets per employee ($millions) | 6.3632% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8139% | 5,242 |
| Loan loss allowance to noncurrent loans | 88.9569% | 3,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 2,683 |
| Noncurrent loans to loans | 0.9150% | 2,448 |
| Net loans and leases to total assets | 64.8224% | 3,251 |
| Net loans and leases to deposits | 90.3738% | 1,708 |
| Net loans and leases to core deposits | 97.0841% | 1,884 |
| Total domestic deposits to total assets | 71.7270% | 5,680 |
| Equity capital to assets | 13.7654% | 1,111 |
| Core capital (leverage) ratio | 13.0267% | 1,135 |
| Tier 1 risk-based capital ratio | 18.9560% | 1,703 |
| Total risk-based capital ratio | 19.7965% | 1,755 |
| Memoranda: | ||
| Average total assets | $1,846,330,330 | 419 |
| Average earning assets | $1,698,237,000 | 417 |
| Average equity | $251,112,670 | 360 |
| Average total loans | $1,218,086,330 | 436 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5872% | 4,658 |
| Cost of funding earning assets | 0.6638% | 974 |
| Net interest margin | 2.9233% | 5,279 |
| Noninterest income to average assets | 0.4438% | 3,526 |
| Noninterest expense to average assets | 2.4937% | 4,088 |
| Loan and lease loss provision to assets | 0.0485% | 2,954 |
| Net operating income to assets | 0.4618% | 4,777 |
| Return on assets (ROA) | 0.4618% | 4,861 |
| Pretax return on assets | 0.5825% | 4,868 |
| Return on Equity (ROE) | 3.4166% | 5,098 |
| Retained earnings to average equity (ytd only) | 3.4166% | 3,798 |
| Net charge-offs to loans | 0.0957% | 1,560 |
| Credit loss provision to net charge-offs | 76.3699% | 1,860 |
| Earnings coverage of net charge-offs (x) | 9.9418% | 1,953 |
| Efficiency ratio | 78.4934% | 1,825 |
| Assets per employee ($millions) | 6.5349% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7397% | 5,520 |
| Loan loss allowance to noncurrent loans | 59.8375% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 2,297 |
| Noncurrent loans to loans | 1.2361% | 1,953 |
| Net loans and leases to total assets | 65.1917% | 3,084 |
| Net loans and leases to deposits | 91.5930% | 1,396 |
| Net loans and leases to core deposits | 97.7574% | 1,654 |
| Total domestic deposits to total assets | 71.1754% | 5,812 |
| Equity capital to assets | 13.6278% | 1,126 |
| Core capital (leverage) ratio | 13.0206% | 1,152 |
| Tier 1 risk-based capital ratio | 18.6464% | 1,810 |
| Total risk-based capital ratio | 19.4080% | 1,904 |
| Memoranda: | ||
| Average total assets | $1,840,461,500 | 416 |
| Average earning assets | $1,687,797,500 | 417 |
| Average equity | $248,783,500 | 360 |
| Average total loans | $1,219,965,500 | 436 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5847% | 4,714 |
| Cost of funding earning assets | 0.7815% | 541 |
| Net interest margin | 2.8033% | 5,503 |
| Noninterest income to average assets | 0.6552% | 2,436 |
| Noninterest expense to average assets | 2.8832% | 2,922 |
| Loan and lease loss provision to assets | 0.1698% | 1,350 |
| Net operating income to assets | 0.1470% | 5,683 |
| Return on assets (ROA) | 0.1501% | 5,728 |
| Pretax return on assets | 0.1423% | 5,764 |
| Return on Equity (ROE) | 1.0676% | 5,757 |
| Retained earnings to average equity (ytd only) | 1.0676% | 5,087 |
| Net charge-offs to loans | 0.3161% | 952 |
| Credit loss provision to net charge-offs | 81.8054% | 2,915 |
| Earnings coverage of net charge-offs (x) | 1.4887% | 4,074 |
| Efficiency ratio | 85.3121% | 1,059 |
| Assets per employee ($millions) | 6.2940% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7388% | 5,562 |
| Loan loss allowance to noncurrent loans | 52.2238% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 2,023 |
| Noncurrent loans to loans | 1.4147% | 1,650 |
| Net loans and leases to total assets | 66.4058% | 2,925 |
| Net loans and leases to deposits | 95.4075% | 1,079 |
| Net loans and leases to core deposits | 102.0030% | 1,360 |
| Total domestic deposits to total assets | 69.6023% | 5,909 |
| Equity capital to assets | 13.4060% | 1,164 |
| Core capital (leverage) ratio | 12.9419% | 1,167 |
| Tier 1 risk-based capital ratio | 18.7159% | 1,770 |
| Total risk-based capital ratio | 19.4782% | 1,868 |
| Memoranda: | ||
| Average total assets | $1,366,522,400 | 523 |
| Average earning assets | $1,236,659,800 | 527 |
| Average equity | $192,105,600 | 429 |
| Average total loans | $897,266,200 | 528 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4607% | 5,078 |
| Cost of funding earning assets | 0.8037% | 481 |
| Net interest margin | 2.6570% | 5,779 |
| Noninterest income to average assets | 0.6953% | 2,244 |
| Noninterest expense to average assets | 2.6872% | 3,608 |
| Loan and lease loss provision to assets | 0.1920% | 1,056 |
| Net operating income to assets | 0.2194% | 5,642 |
| Return on assets (ROA) | 0.2238% | 5,700 |
| Pretax return on assets | 0.2152% | 5,771 |
| Return on Equity (ROE) | 1.5657% | 5,760 |
| Retained earnings to average equity (ytd only) | 1.5657% | 5,080 |
| Net charge-offs to loans | 0.3439% | 766 |
| Credit loss provision to net charge-offs | 85.5920% | 2,531 |
| Earnings coverage of net charge-offs (x) | 1.7955% | 3,778 |
| Efficiency ratio | 85.0590% | 1,081 |
| Assets per employee ($millions) | 6.2396% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 5,615 |
| Loan loss allowance to noncurrent loans | 61.2547% | 4,653 |
| Noncurrent assets plus other real estate owned to assets | 1.0283% | 2,298 |
| Noncurrent loans to loans | 1.2345% | 2,070 |
| Net loans and leases to total assets | 66.0668% | 2,997 |
| Net loans and leases to deposits | 96.5812% | 949 |
| Net loans and leases to core deposits | 103.3676% | 1,274 |
| Total domestic deposits to total assets | 68.4055% | 6,024 |
| Equity capital to assets | 13.4434% | 1,256 |
| Core capital (leverage) ratio | 13.1316% | 1,160 |
| Tier 1 risk-based capital ratio | 18.7152% | 1,848 |
| Total risk-based capital ratio | 19.4694% | 1,937 |
| Memoranda: | ||
| Average total assets | $1,250,264,000 | 569 |
| Average earning assets | $1,126,754,250 | 572 |
| Average equity | $178,747,250 | 457 |
| Average total loans | $815,254,500 | 575 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5028% | 4,972 |
| Cost of funding earning assets | 0.8819% | 315 |
| Net interest margin | 2.6210% | 5,865 |
| Noninterest income to average assets | 0.8579% | 1,579 |
| Noninterest expense to average assets | 2.5345% | 4,123 |
| Loan and lease loss provision to assets | -0.0418% | 6,015 |
| Net operating income to assets | 0.5565% | 4,534 |
| Return on assets (ROA) | 0.5629% | 4,613 |
| Pretax return on assets | 0.7144% | 4,611 |
| Return on Equity (ROE) | 3.8050% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.8050% | 3,585 |
| Net charge-offs to loans | 0.1338% | 1,697 |
| Credit loss provision to net charge-offs | -48.4581% | 4,812 |
| Earnings coverage of net charge-offs (x) | 7.7093% | 2,643 |
| Efficiency ratio | 77.3116% | 2,158 |
| Assets per employee ($millions) | 6.6096% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 3,139 |
| Loan loss allowance to noncurrent loans | 65.1314% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 1.6894% | 1,408 |
| Noncurrent loans to loans | 2.0249% | 1,195 |
| Net loans and leases to total assets | 62.5441% | 3,470 |
| Net loans and leases to deposits | 96.8117% | 885 |
| Net loans and leases to core deposits | 98.9204% | 1,573 |
| Total domestic deposits to total assets | 64.6039% | 6,195 |
| Equity capital to assets | 14.6758% | 775 |
| Core capital (leverage) ratio | 14.3208% | 756 |
| Tier 1 risk-based capital ratio | 21.2013% | 1,325 |
| Total risk-based capital ratio | 22.4501% | 1,301 |
| Memoranda: | ||
| Average total assets | $1,053,462,330 | 672 |
| Average earning assets | $940,956,330 | 680 |
| Average equity | $155,847,000 | 497 |
| Average total loans | $678,560,000 | 684 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5664% | 4,787 |
| Cost of funding earning assets | 0.8888% | 304 |
| Net interest margin | 2.6776% | 5,832 |
| Noninterest income to average assets | 0.8667% | 1,511 |
| Noninterest expense to average assets | 2.5970% | 3,938 |
| Loan and lease loss provision to assets | -0.0191% | 6,119 |
| Net operating income to assets | 0.5352% | 4,526 |
| Return on assets (ROA) | 0.5370% | 4,636 |
| Pretax return on assets | 0.6801% | 4,655 |
| Return on Equity (ROE) | 3.6150% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.6150% | 3,832 |
| Net charge-offs to loans | 0.2157% | 1,082 |
| Credit loss provision to net charge-offs | -13.6240% | 4,315 |
| Earnings coverage of net charge-offs (x) | 4.7030% | 2,456 |
| Efficiency ratio | 77.8455% | 2,207 |
| Assets per employee ($millions) | 6.3113% | 1,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 3,182 |
| Loan loss allowance to noncurrent loans | 63.4454% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 1.8016% | 1,362 |
| Noncurrent loans to loans | 2.1143% | 1,217 |
| Net loans and leases to total assets | 64.6374% | 2,999 |
| Net loans and leases to deposits | 100.5422% | 533 |
| Net loans and leases to core deposits | 102.6956% | 1,132 |
| Total domestic deposits to total assets | 64.2888% | 6,274 |
| Equity capital to assets | 15.0967% | 697 |
| Core capital (leverage) ratio | 14.2029% | 765 |
| Tier 1 risk-based capital ratio | 21.6098% | 1,300 |
| Total risk-based capital ratio | 22.8616% | 1,274 |
| Memoranda: | ||
| Average total assets | $1,048,117,000 | 674 |
| Average earning assets | $935,174,000 | 684 |
| Average equity | $155,684,000 | 500 |
| Average total loans | $680,610,000 | 683 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5319% | 5,245 |
| Cost of funding earning assets | 0.9175% | 349 |
| Net interest margin | 2.6144% | 6,049 |
| Noninterest income to average assets | 0.8683% | 1,612 |
| Noninterest expense to average assets | 2.6532% | 4,035 |
| Loan and lease loss provision to assets | -0.1018% | 6,151 |
| Net operating income to assets | 0.5125% | 4,763 |
| Return on assets (ROA) | 0.5139% | 4,841 |
| Pretax return on assets | 0.6498% | 4,786 |
| Return on Equity (ROE) | 3.4461% | 5,311 |
| Retained earnings to average equity (ytd only) | 3.4461% | 3,755 |
| Net charge-offs to loans | 0.2008% | 2,064 |
| Credit loss provision to net charge-offs | -77.3039% | 5,476 |
| Earnings coverage of net charge-offs (x) | 4.1508% | 3,726 |
| Efficiency ratio | 80.2325% | 1,894 |
| Assets per employee ($millions) | 6.0624% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 2,903 |
| Loan loss allowance to noncurrent loans | 62.1041% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.8681% | 1,381 |
| Noncurrent loans to loans | 2.2694% | 1,151 |
| Net loans and leases to total assets | 63.4569% | 3,297 |
| Net loans and leases to deposits | 100.3853% | 604 |
| Net loans and leases to core deposits | 102.3697% | 1,221 |
| Total domestic deposits to total assets | 63.2134% | 6,363 |
| Equity capital to assets | 14.6138% | 779 |
| Core capital (leverage) ratio | 13.8375% | 857 |
| Tier 1 risk-based capital ratio | 22.6362% | 1,129 |
| Total risk-based capital ratio | 23.8892% | 1,114 |
| Memoranda: | ||
| Average total assets | $997,497,800 | 680 |
| Average earning assets | $889,486,600 | 689 |
| Average equity | $148,749,400 | 503 |
| Average total loans | $653,836,200 | 664 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5635% | 5,232 |
| Cost of funding earning assets | 0.9128% | 386 |
| Net interest margin | 2.6507% | 6,072 |
| Noninterest income to average assets | 0.9151% | 1,471 |
| Noninterest expense to average assets | 2.6214% | 4,120 |
| Loan and lease loss provision to assets | -0.0359% | 6,138 |
| Net operating income to assets | 0.5400% | 4,712 |
| Return on assets (ROA) | 0.5433% | 4,776 |
| Pretax return on assets | 0.6976% | 4,706 |
| Return on Equity (ROE) | 3.6237% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.6237% | 4,074 |
| Net charge-offs to loans | 0.2528% | 1,532 |
| Credit loss provision to net charge-offs | -21.5798% | 5,283 |
| Earnings coverage of net charge-offs (x) | 3.9479% | 3,564 |
| Efficiency ratio | 78.1992% | 2,154 |
| Assets per employee ($millions) | 5.8901% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 2,580 |
| Loan loss allowance to noncurrent loans | 43.8710% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 2.4023% | 1,122 |
| Noncurrent loans to loans | 3.4858% | 691 |
| Net loans and leases to total assets | 63.5414% | 3,255 |
| Net loans and leases to deposits | 101.3189% | 534 |
| Net loans and leases to core deposits | 102.8164% | 1,167 |
| Total domestic deposits to total assets | 62.7142% | 6,452 |
| Equity capital to assets | 14.3219% | 903 |
| Core capital (leverage) ratio | 14.0982% | 817 |
| Tier 1 risk-based capital ratio | 22.3902% | 1,207 |
| Total risk-based capital ratio | 23.6450% | 1,190 |
| Memoranda: | ||
| Average total assets | $983,156,000 | 685 |
| Average earning assets | $876,728,750 | 699 |
| Average equity | $147,397,750 | 504 |
| Average total loans | $647,556,750 | 669 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6190% | 5,094 |
| Cost of funding earning assets | 0.9250% | 372 |
| Net interest margin | 2.6940% | 6,058 |
| Noninterest income to average assets | 0.8532% | 1,643 |
| Noninterest expense to average assets | 2.4560% | 4,713 |
| Loan and lease loss provision to assets | 0.0740% | 2,793 |
| Net operating income to assets | 0.5574% | 4,561 |
| Return on assets (ROA) | 0.5687% | 4,607 |
| Pretax return on assets | 0.7384% | 4,498 |
| Return on Equity (ROE) | 3.7320% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.7320% | 3,821 |
| Net charge-offs to loans | 0.1508% | 2,184 |
| Credit loss provision to net charge-offs | 73.9583% | 2,403 |
| Earnings coverage of net charge-offs (x) | 7.9729% | 2,553 |
| Efficiency ratio | 73.9061% | 2,991 |
| Assets per employee ($millions) | 5.7180% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 1,887 |
| Loan loss allowance to noncurrent loans | 45.7041% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 2.6648% | 1,009 |
| Noncurrent loans to loans | 3.8996% | 618 |
| Net loans and leases to total assets | 64.8309% | 2,939 |
| Net loans and leases to deposits | 97.5085% | 698 |
| Net loans and leases to core deposits | 99.0495% | 1,363 |
| Total domestic deposits to total assets | 66.4874% | 6,469 |
| Equity capital to assets | 14.9824% | 701 |
| Core capital (leverage) ratio | 15.0415% | 604 |
| Tier 1 risk-based capital ratio | 22.7778% | 1,144 |
| Total risk-based capital ratio | 24.0355% | 1,128 |
| Memoranda: | ||
| Average total assets | $959,432,670 | 698 |
| Average earning assets | $854,942,670 | 714 |
| Average equity | $146,197,000 | 504 |
| Average total loans | $636,630,000 | 673 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 4,975 |
| Cost of funding earning assets | 0.9432% | 354 |
| Net interest margin | 2.7166% | 6,091 |
| Noninterest income to average assets | 0.7831% | 1,828 |
| Noninterest expense to average assets | 2.3497% | 5,073 |
| Loan and lease loss provision to assets | 0.2833% | 714 |
| Net operating income to assets | 0.4603% | 4,895 |
| Return on assets (ROA) | 0.4644% | 4,945 |
| Pretax return on assets | 0.5752% | 4,917 |
| Return on Equity (ROE) | 3.0208% | 5,452 |
| Retained earnings to average equity (ytd only) | 3.0208% | 4,300 |
| Net charge-offs to loans | 0.4373% | 832 |
| Credit loss provision to net charge-offs | 97.3646% | 1,723 |
| Earnings coverage of net charge-offs (x) | 2.9327% | 2,766 |
| Efficiency ratio | 72.0936% | 3,471 |
| Assets per employee ($millions) | 5.5749% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9079% | 1,728 |
| Loan loss allowance to noncurrent loans | 46.5186% | 5,340 |
| Noncurrent assets plus other real estate owned to assets | 2.8681% | 1,021 |
| Noncurrent loans to loans | 4.1014% | 641 |
| Net loans and leases to total assets | 64.8233% | 2,758 |
| Net loans and leases to deposits | 90.1036% | 1,132 |
| Net loans and leases to core deposits | 91.5812% | 1,773 |
| Total domestic deposits to total assets | 71.9431% | 6,366 |
| Equity capital to assets | 15.5045% | 598 |
| Core capital (leverage) ratio | 15.4548% | 545 |
| Tier 1 risk-based capital ratio | 23.8619% | 1,022 |
| Total risk-based capital ratio | 25.1207% | 1,002 |
| Memoranda: | ||
| Average total assets | $938,826,500 | 725 |
| Average earning assets | $836,328,000 | 738 |
| Average equity | $144,335,000 | 511 |
| Average total loans | $624,695,500 | 687 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8685% | 4,580 |
| Cost of funding earning assets | 1.1235% | 246 |
| Net interest margin | 2.7450% | 6,076 |
| Noninterest income to average assets | 1.0134% | 1,366 |
| Noninterest expense to average assets | 2.7266% | 4,005 |
| Loan and lease loss provision to assets | -0.0334% | 6,334 |
| Net operating income to assets | 0.5961% | 4,279 |
| Return on assets (ROA) | 0.5986% | 4,384 |
| Pretax return on assets | 0.7684% | 4,269 |
| Return on Equity (ROE) | 3.9189% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.9189% | 3,417 |
| Net charge-offs to loans | 1.1494% | 470 |
| Credit loss provision to net charge-offs | -4.3805% | 5,669 |
| Earnings coverage of net charge-offs (x) | 0.9602% | 4,761 |
| Efficiency ratio | 77.4077% | 2,555 |
| Assets per employee ($millions) | 5.2262% | 1,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 1,783 |
| Loan loss allowance to noncurrent loans | 42.6905% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 3.1480% | 980 |
| Noncurrent loans to loans | 4.4463% | 603 |
| Net loans and leases to total assets | 65.7275% | 2,735 |
| Net loans and leases to deposits | 89.4679% | 1,285 |
| Net loans and leases to core deposits | 90.9504% | 1,913 |
| Total domestic deposits to total assets | 73.4648% | 6,321 |
| Equity capital to assets | 15.2425% | 633 |
| Core capital (leverage) ratio | 15.4361% | 551 |
| Tier 1 risk-based capital ratio | 23.5460% | 1,015 |
| Total risk-based capital ratio | 24.8046% | 995 |
| Memoranda: | ||
| Average total assets | $943,670,600 | 702 |
| Average earning assets | $840,506,200 | 712 |
| Average equity | $144,148,600 | 505 |
| Average total loans | $625,609,600 | 670 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8888% | 4,547 |
| Cost of funding earning assets | 1.1595% | 234 |
| Net interest margin | 2.7292% | 6,121 |
| Noninterest income to average assets | 0.9312% | 1,657 |
| Noninterest expense to average assets | 2.6739% | 4,118 |
| Loan and lease loss provision to assets | 0.0289% | 4,427 |
| Net operating income to assets | 0.5288% | 4,672 |
| Return on assets (ROA) | 0.5291% | 4,831 |
| Pretax return on assets | 0.6605% | 4,823 |
| Return on Equity (ROE) | 3.4620% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.4620% | 4,225 |
| Net charge-offs to loans | 0.6883% | 873 |
| Credit loss provision to net charge-offs | 6.3507% | 4,264 |
| Earnings coverage of net charge-offs (x) | 1.5139% | 4,333 |
| Efficiency ratio | 78.0279% | 2,418 |
| Assets per employee ($millions) | 5.1014% | 2,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6324% | 807 |
| Loan loss allowance to noncurrent loans | 49.7887% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 3.9653% | 789 |
| Noncurrent loans to loans | 5.2871% | 537 |
| Net loans and leases to total assets | 64.8995% | 2,823 |
| Net loans and leases to deposits | 87.1196% | 1,479 |
| Net loans and leases to core deposits | 89.1302% | 2,061 |
| Total domestic deposits to total assets | 74.4947% | 6,332 |
| Equity capital to assets | 15.3166% | 654 |
| Core capital (leverage) ratio | 15.3025% | 591 |
| Tier 1 risk-based capital ratio | 23.6039% | 1,060 |
| Total risk-based capital ratio | 24.8723% | 1,033 |
| Memoranda: | ||
| Average total assets | $945,716,500 | 702 |
| Average earning assets | $842,610,250 | 711 |
| Average equity | $144,537,750 | 510 |
| Average total loans | $625,319,750 | 671 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8758% | 4,563 |
| Cost of funding earning assets | 1.2003% | 213 |
| Net interest margin | 2.6755% | 6,216 |
| Noninterest income to average assets | 0.9545% | 1,640 |
| Noninterest expense to average assets | 2.5941% | 4,408 |
| Loan and lease loss provision to assets | 0.1032% | 3,074 |
| Net operating income to assets | 0.5173% | 4,725 |
| Return on assets (ROA) | 0.5178% | 4,892 |
| Pretax return on assets | 0.6418% | 4,867 |
| Return on Equity (ROE) | 3.3905% | 5,475 |
| Retained earnings to average equity (ytd only) | 3.3905% | 4,161 |
| Net charge-offs to loans | 0.4464% | 1,463 |
| Credit loss provision to net charge-offs | 35.0501% | 3,501 |
| Earnings coverage of net charge-offs (x) | 2.5286% | 3,680 |
| Efficiency ratio | 76.2520% | 2,743 |
| Assets per employee ($millions) | 5.2073% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0027% | 580 |
| Loan loss allowance to noncurrent loans | 49.6697% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 4.3393% | 770 |
| Noncurrent loans to loans | 6.0453% | 462 |
| Net loans and leases to total assets | 63.0406% | 3,091 |
| Net loans and leases to deposits | 86.5090% | 1,513 |
| Net loans and leases to core deposits | 88.6117% | 2,052 |
| Total domestic deposits to total assets | 72.8717% | 6,510 |
| Equity capital to assets | 15.0671% | 700 |
| Core capital (leverage) ratio | 14.9190% | 628 |
| Tier 1 risk-based capital ratio | 23.6097% | 1,045 |
| Total risk-based capital ratio | 24.8828% | 1,024 |
| Memoranda: | ||
| Average total assets | $949,772,000 | 698 |
| Average earning assets | $846,269,670 | 705 |
| Average equity | $145,054,330 | 511 |
| Average total loans | $626,343,330 | 669 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9526% | 4,288 |
| Cost of funding earning assets | 1.2183% | 215 |
| Net interest margin | 2.7342% | 6,158 |
| Noninterest income to average assets | 0.9373% | 1,642 |
| Noninterest expense to average assets | 2.4136% | 5,079 |
| Loan and lease loss provision to assets | 0.7825% | 279 |
| Net operating income to assets | 0.2141% | 5,842 |
| Return on assets (ROA) | 0.2154% | 5,957 |
| Pretax return on assets | 0.1822% | 6,110 |
| Return on Equity (ROE) | 1.4010% | 6,116 |
| Retained earnings to average equity (ytd only) | 1.4010% | 5,277 |
| Net charge-offs to loans | 0.8107% | 748 |
| Credit loss provision to net charge-offs | 145.3125% | 1,396 |
| Earnings coverage of net charge-offs (x) | 1.7891% | 3,242 |
| Efficiency ratio | 70.0635% | 3,960 |
| Assets per employee ($millions) | 5.1200% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2162% | 534 |
| Loan loss allowance to noncurrent loans | 48.8606% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 4.4317% | 843 |
| Noncurrent loans to loans | 6.5825% | 483 |
| Net loans and leases to total assets | 63.4851% | 2,807 |
| Net loans and leases to deposits | 87.5771% | 1,186 |
| Net loans and leases to core deposits | 89.6005% | 1,739 |
| Total domestic deposits to total assets | 72.4905% | 6,633 |
| Equity capital to assets | 15.4249% | 657 |
| Core capital (leverage) ratio | 14.9946% | 592 |
| Tier 1 risk-based capital ratio | 23.9483% | 1,025 |
| Total risk-based capital ratio | 25.2249% | 999 |
| Memoranda: | ||
| Average total assets | $950,794,500 | 706 |
| Average earning assets | $848,362,000 | 714 |
| Average equity | $146,184,000 | 513 |
| Average total loans | $631,541,000 | 663 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 4,571 |
| Cost of funding earning assets | 1.4526% | 204 |
| Net interest margin | 2.7542% | 6,440 |
| Noninterest income to average assets | 1.1064% | 1,266 |
| Noninterest expense to average assets | 2.9622% | 3,419 |
| Loan and lease loss provision to assets | 0.2609% | 2,558 |
| Net operating income to assets | 0.3309% | 5,361 |
| Return on assets (ROA) | 0.3444% | 5,533 |
| Pretax return on assets | 0.3419% | 5,736 |
| Return on Equity (ROE) | 2.3179% | 5,818 |
| Retained earnings to average equity (ytd only) | 2.3179% | 4,609 |
| Net charge-offs to loans | 0.0472% | 5,256 |
| Credit loss provision to net charge-offs | 820.9003% | 305 |
| Earnings coverage of net charge-offs (x) | 18.5434% | 1,432 |
| Efficiency ratio | 66.9918% | 4,334 |
| Assets per employee ($millions) | 5.1037% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0234% | 647 |
| Loan loss allowance to noncurrent loans | 45.2823% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 4.7253% | 853 |
| Noncurrent loans to loans | 6.6767% | 489 |
| Net loans and leases to total assets | 65.2109% | 2,672 |
| Net loans and leases to deposits | 91.1165% | 970 |
| Net loans and leases to core deposits | 93.0732% | 1,550 |
| Total domestic deposits to total assets | 71.5687% | 6,714 |
| Equity capital to assets | 15.3254% | 675 |
| Core capital (leverage) ratio | 14.6905% | 629 |
| Tier 1 risk-based capital ratio | 23.4428% | 1,044 |
| Total risk-based capital ratio | 24.7173% | 1,021 |
| Memoranda: | ||
| Average total assets | $978,509,200 | 669 |
| Average earning assets | $868,702,000 | 685 |
| Average equity | $145,388,200 | 500 |
| Average total loans | $658,361,000 | 627 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2987% | 4,459 |
| Cost of funding earning assets | 1.4846% | 218 |
| Net interest margin | 2.8142% | 6,479 |
| Noninterest income to average assets | 0.9500% | 1,669 |
| Noninterest expense to average assets | 2.3565% | 5,528 |
| Loan and lease loss provision to assets | 0.5909% | 949 |
| Net operating income to assets | 0.4533% | 5,022 |
| Return on assets (ROA) | 0.4527% | 5,269 |
| Pretax return on assets | 0.4982% | 5,471 |
| Return on Equity (ROE) | 3.0704% | 5,656 |
| Retained earnings to average equity (ytd only) | 3.0704% | 4,713 |
| Net charge-offs to loans | 0.5074% | 2,089 |
| Credit loss provision to net charge-offs | 173.0662% | 1,612 |
| Earnings coverage of net charge-offs (x) | 3.1920% | 3,754 |
| Efficiency ratio | 66.6850% | 4,316 |
| Assets per employee ($millions) | 5.1891% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9249% | 782 |
| Loan loss allowance to noncurrent loans | 59.7767% | 4,658 |
| Noncurrent assets plus other real estate owned to assets | 3.6326% | 1,370 |
| Noncurrent loans to loans | 4.8931% | 928 |
| Net loans and leases to total assets | 65.3447% | 2,770 |
| Net loans and leases to deposits | 93.0209% | 872 |
| Net loans and leases to core deposits | 95.0705% | 1,481 |
| Total domestic deposits to total assets | 70.2473% | 6,828 |
| Equity capital to assets | 15.2101% | 770 |
| Core capital (leverage) ratio | 14.0615% | 817 |
| Tier 1 risk-based capital ratio | 22.1257% | 1,309 |
| Total risk-based capital ratio | 23.3986% | 1,283 |
| Memoranda: | ||
| Average total assets | $984,540,250 | 673 |
| Average earning assets | $873,320,000 | 689 |
| Average equity | $145,169,500 | 496 |
| Average total loans | $662,509,750 | 631 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 4,391 |
| Cost of funding earning assets | 1.5071% | 237 |
| Net interest margin | 2.8389% | 6,518 |
| Noninterest income to average assets | 1.0521% | 1,309 |
| Noninterest expense to average assets | 2.3520% | 5,614 |
| Loan and lease loss provision to assets | 0.7263% | 726 |
| Net operating income to assets | 0.4613% | 4,992 |
| Return on assets (ROA) | 0.4603% | 5,236 |
| Pretax return on assets | 0.4906% | 5,468 |
| Return on Equity (ROE) | 3.1544% | 5,625 |
| Retained earnings to average equity (ytd only) | 3.1544% | 4,521 |
| Net charge-offs to loans | 0.5717% | 1,884 |
| Credit loss provision to net charge-offs | 188.8248% | 1,499 |
| Earnings coverage of net charge-offs (x) | 3.1663% | 3,472 |
| Efficiency ratio | 64.2546% | 4,854 |
| Assets per employee ($millions) | 5.2991% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8940% | 875 |
| Loan loss allowance to noncurrent loans | 56.6697% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 3.7957% | 1,366 |
| Noncurrent loans to loans | 5.1068% | 947 |
| Net loans and leases to total assets | 64.5317% | 2,928 |
| Net loans and leases to deposits | 92.4311% | 895 |
| Net loans and leases to core deposits | 94.4543% | 1,556 |
| Total domestic deposits to total assets | 69.8160% | 6,914 |
| Equity capital to assets | 14.8457% | 822 |
| Core capital (leverage) ratio | 13.7478% | 883 |
| Tier 1 risk-based capital ratio | 21.6763% | 1,352 |
| Total risk-based capital ratio | 22.9487% | 1,327 |
| Memoranda: | ||
| Average total assets | $990,996,670 | 673 |
| Average earning assets | $878,918,670 | 682 |
| Average equity | $144,625,000 | 496 |
| Average total loans | $666,782,670 | 624 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4490% | 4,120 |
| Cost of funding earning assets | 1.5290% | 250 |
| Net interest margin | 2.9200% | 6,455 |
| Noninterest income to average assets | 1.1755% | 1,036 |
| Noninterest expense to average assets | 2.3282% | 5,697 |
| Loan and lease loss provision to assets | 0.7126% | 725 |
| Net operating income to assets | 0.6520% | 4,113 |
| Return on assets (ROA) | 0.6524% | 4,325 |
| Pretax return on assets | 0.7251% | 4,705 |
| Return on Equity (ROE) | 4.5086% | 5,040 |
| Retained earnings to average equity (ytd only) | 4.5086% | 3,881 |
| Net charge-offs to loans | 0.3570% | 2,232 |
| Credit loss provision to net charge-offs | 294.8505% | 1,000 |
| Earnings coverage of net charge-offs (x) | 5.9468% | 2,272 |
| Efficiency ratio | 60.2943% | 5,578 |
| Assets per employee ($millions) | 5.3654% | 1,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7620% | 1,040 |
| Loan loss allowance to noncurrent loans | 48.5425% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 4.2004% | 1,292 |
| Noncurrent loans to loans | 5.6898% | 920 |
| Net loans and leases to total assets | 65.3816% | 2,584 |
| Net loans and leases to deposits | 94.5851% | 626 |
| Net loans and leases to core deposits | 96.7557% | 1,231 |
| Total domestic deposits to total assets | 69.1246% | 7,018 |
| Equity capital to assets | 14.6677% | 817 |
| Core capital (leverage) ratio | 13.5535% | 927 |
| Tier 1 risk-based capital ratio | 21.1102% | 1,472 |
| Total risk-based capital ratio | 22.3807% | 1,437 |
| Memoranda: | ||
| Average total assets | $996,324,500 | 670 |
| Average earning assets | $883,704,000 | 680 |
| Average equity | $144,168,500 | 496 |
| Average total loans | $674,431,500 | 617 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6996% | 4,249 |
| Cost of funding earning assets | 1.7761% | 234 |
| Net interest margin | 2.9235% | 6,651 |
| Noninterest income to average assets | 1.2338% | 858 |
| Noninterest expense to average assets | 3.5616% | 1,827 |
| Loan and lease loss provision to assets | 1.5259% | 478 |
| Net operating income to assets | -0.7535% | 6,634 |
| Return on assets (ROA) | -0.6943% | 6,639 |
| Pretax return on assets | -1.1818% | 6,806 |
| Return on Equity (ROE) | -4.7669% | 6,517 |
| Retained earnings to average equity (ytd only) | -4.7669% | 6,428 |
| Net charge-offs to loans | 1.3597% | 1,215 |
| Credit loss provision to net charge-offs | 163.3722% | 1,676 |
| Earnings coverage of net charge-offs (x) | 0.2695% | 5,630 |
| Efficiency ratio | 63.1331% | 5,276 |
| Assets per employee ($millions) | 5.5548% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5050% | 1,309 |
| Loan loss allowance to noncurrent loans | 49.7161% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 3.8323% | 1,506 |
| Noncurrent loans to loans | 5.0387% | 1,115 |
| Net loans and leases to total assets | 66.4302% | 2,702 |
| Net loans and leases to deposits | 97.6805% | 575 |
| Net loans and leases to core deposits | 99.9853% | 1,180 |
| Total domestic deposits to total assets | 68.0076% | 7,072 |
| Equity capital to assets | 14.2760% | 976 |
| Core capital (leverage) ratio | 13.1929% | 1,074 |
| Tier 1 risk-based capital ratio | 20.1718% | 1,598 |
| Total risk-based capital ratio | 21.4389% | 1,568 |
| Memoranda: | ||
| Average total assets | $1,020,430,200 | 645 |
| Average earning assets | $900,404,200 | 655 |
| Average equity | $148,628,000 | 476 |
| Average total loans | $700,971,800 | 587 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 4,487 |
| Cost of funding earning assets | 1.7967% | 261 |
| Net interest margin | 2.8982% | 6,752 |
| Noninterest income to average assets | 0.7691% | 2,198 |
| Noninterest expense to average assets | 2.3809% | 5,815 |
| Loan and lease loss provision to assets | 1.5821% | 418 |
| Net operating income to assets | -0.3140% | 6,511 |
| Return on assets (ROA) | -0.2260% | 6,489 |
| Pretax return on assets | -0.5017% | 6,620 |
| Return on Equity (ROE) | -1.5441% | 6,431 |
| Retained earnings to average equity (ytd only) | -1.5441% | 6,232 |
| Net charge-offs to loans | 1.5577% | 916 |
| Credit loss provision to net charge-offs | 147.5595% | 2,128 |
| Earnings coverage of net charge-offs (x) | 0.8794% | 4,959 |
| Efficiency ratio | 69.1329% | 4,109 |
| Assets per employee ($millions) | 5.4399% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1209% | 2,019 |
| Loan loss allowance to noncurrent loans | 41.2350% | 5,556 |
| Noncurrent assets plus other real estate owned to assets | 4.1484% | 1,473 |
| Noncurrent loans to loans | 5.1435% | 1,190 |
| Net loans and leases to total assets | 68.5892% | 2,357 |
| Net loans and leases to deposits | 101.8964% | 395 |
| Net loans and leases to core deposits | 104.5831% | 949 |
| Total domestic deposits to total assets | 67.3126% | 7,164 |
| Equity capital to assets | 14.7343% | 921 |
| Core capital (leverage) ratio | 12.7453% | 1,327 |
| Tier 1 risk-based capital ratio | 18.6202% | 2,053 |
| Total risk-based capital ratio | 19.8822% | 2,008 |
| Memoranda: | ||
| Average total assets | $1,024,183,250 | 651 |
| Average earning assets | $902,797,250 | 665 |
| Average equity | $149,901,750 | 472 |
| Average total loans | $704,949,250 | 591 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6950% | 4,548 |
| Cost of funding earning assets | 1.8093% | 298 |
| Net interest margin | 2.8857% | 6,813 |
| Noninterest income to average assets | 0.7241% | 2,408 |
| Noninterest expense to average assets | 2.3958% | 5,858 |
| Loan and lease loss provision to assets | 1.8454% | 354 |
| Net operating income to assets | -0.5299% | 6,710 |
| Return on assets (ROA) | -0.3987% | 6,639 |
| Pretax return on assets | -0.7644% | 6,803 |
| Return on Equity (ROE) | -2.7302% | 6,570 |
| Retained earnings to average equity (ytd only) | -2.7302% | 6,342 |
| Net charge-offs to loans | 2.2573% | 566 |
| Credit loss provision to net charge-offs | 119.4812% | 2,559 |
| Earnings coverage of net charge-offs (x) | 0.5672% | 4,879 |
| Efficiency ratio | 70.6931% | 3,992 |
| Assets per employee ($millions) | 5.5586% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7901% | 3,029 |
| Loan loss allowance to noncurrent loans | 36.8234% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 3.9746% | 1,618 |
| Noncurrent loans to loans | 4.8614% | 1,356 |
| Net loans and leases to total assets | 67.9511% | 2,625 |
| Net loans and leases to deposits | 100.3807% | 478 |
| Net loans and leases to core deposits | 104.2948% | 1,024 |
| Total domestic deposits to total assets | 67.6933% | 7,205 |
| Equity capital to assets | 14.5264% | 934 |
| Core capital (leverage) ratio | 12.4367% | 1,394 |
| Tier 1 risk-based capital ratio | 18.2889% | 2,076 |
| Total risk-based capital ratio | 19.5463% | 2,030 |
| Memoranda: | ||
| Average total assets | $1,028,305,670 | 656 |
| Average earning assets | $907,864,330 | 667 |
| Average equity | $150,174,330 | 474 |
| Average total loans | $703,587,670 | 602 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 4,590 |
| Cost of funding earning assets | 1.8350% | 333 |
| Net interest margin | 2.8494% | 6,835 |
| Noninterest income to average assets | 0.6816% | 2,672 |
| Noninterest expense to average assets | 2.6602% | 4,994 |
| Loan and lease loss provision to assets | 0.6808% | 1,246 |
| Net operating income to assets | -0.1319% | 6,492 |
| Return on assets (ROA) | 0.2770% | 5,576 |
| Pretax return on assets | 0.2688% | 5,753 |
| Return on Equity (ROE) | 1.8917% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.8917% | 4,990 |
| Net charge-offs to loans | 0.1431% | 3,642 |
| Credit loss provision to net charge-offs | 699.2032% | 545 |
| Earnings coverage of net charge-offs (x) | 5.5538% | 2,260 |
| Efficiency ratio | 80.5236% | 2,436 |
| Assets per employee ($millions) | 5.7132% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7995% | 3,015 |
| Loan loss allowance to noncurrent loans | 40.0095% | 5,617 |
| Noncurrent assets plus other real estate owned to assets | 3.5380% | 1,923 |
| Noncurrent loans to loans | 4.4977% | 1,554 |
| Net loans and leases to total assets | 66.9939% | 2,757 |
| Net loans and leases to deposits | 99.3078% | 510 |
| Net loans and leases to core deposits | 103.2246% | 1,117 |
| Total domestic deposits to total assets | 67.4609% | 7,283 |
| Equity capital to assets | 14.6514% | 837 |
| Core capital (leverage) ratio | 12.6856% | 1,248 |
| Tier 1 risk-based capital ratio | 18.8483% | 1,851 |
| Total risk-based capital ratio | 20.0990% | 1,810 |
| Memoranda: | ||
| Average total assets | $1,031,068,500 | 660 |
| Average earning assets | $911,631,000 | 665 |
| Average equity | $150,975,000 | 467 |
| Average total loans | $701,552,500 | 612 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 4,602 |
| Cost of funding earning assets | 2.2079% | 300 |
| Net interest margin | 2.7836% | 7,049 |
| Noninterest income to average assets | 1.2518% | 948 |
| Noninterest expense to average assets | 2.2677% | 6,438 |
| Loan and lease loss provision to assets | 1.7836% | 776 |
| Net operating income to assets | -0.1177% | 6,014 |
| Return on assets (ROA) | -0.1003% | 6,053 |
| Pretax return on assets | -0.3009% | 6,162 |
| Return on Equity (ROE) | -0.6931% | 6,038 |
| Retained earnings to average equity (ytd only) | -0.6931% | 5,743 |
| Net charge-offs to loans | 2.8749% | 599 |
| Credit loss provision to net charge-offs | 91.8605% | 5,048 |
| Earnings coverage of net charge-offs (x) | 0.7496% | 5,370 |
| Efficiency ratio | 54.3746% | 6,767 |
| Assets per employee ($millions) | 5.4987% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5853% | 3,640 |
| Loan loss allowance to noncurrent loans | 36.0194% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 3.3951% | 2,062 |
| Noncurrent loans to loans | 4.4011% | 1,625 |
| Net loans and leases to total assets | 66.7862% | 3,281 |
| Net loans and leases to deposits | 98.9709% | 645 |
| Net loans and leases to core deposits | 102.8772% | 1,395 |
| Total domestic deposits to total assets | 67.4806% | 7,342 |
| Equity capital to assets | 14.6338% | 875 |
| Core capital (leverage) ratio | 12.3996% | 1,347 |
| Tier 1 risk-based capital ratio | 18.8985% | 1,744 |
| Total risk-based capital ratio | 20.1536% | 1,712 |
| Memoranda: | ||
| Average total assets | $1,056,039,600 | 639 |
| Average earning assets | $937,548,200 | 644 |
| Average equity | $152,799,800 | 448 |
| Average total loans | $713,234,200 | 611 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9947% | 4,841 |
| Cost of funding earning assets | 2.3018% | 269 |
| Net interest margin | 2.6928% | 7,243 |
| Noninterest income to average assets | 0.9752% | 1,537 |
| Noninterest expense to average assets | 2.0836% | 6,880 |
| Loan and lease loss provision to assets | 2.0994% | 552 |
| Net operating income to assets | -0.4213% | 6,537 |
| Return on assets (ROA) | -0.4211% | 6,579 |
| Pretax return on assets | -0.8133% | 6,746 |
| Return on Equity (ROE) | -2.9185% | 6,482 |
| Retained earnings to average equity (ytd only) | -2.9185% | 6,339 |
| Net charge-offs to loans | 2.8496% | 564 |
| Credit loss provision to net charge-offs | 109.2121% | 3,891 |
| Earnings coverage of net charge-offs (x) | 0.6689% | 5,376 |
| Efficiency ratio | 58.9496% | 6,110 |
| Assets per employee ($millions) | 5.6611% | 1,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0073% | 2,199 |
| Loan loss allowance to noncurrent loans | 45.0065% | 5,269 |
| Noncurrent assets plus other real estate owned to assets | 3.3922% | 2,100 |
| Noncurrent loans to loans | 4.4601% | 1,627 |
| Net loans and leases to total assets | 66.1894% | 3,645 |
| Net loans and leases to deposits | 99.3109% | 699 |
| Net loans and leases to core deposits | 104.1961% | 1,465 |
| Total domestic deposits to total assets | 66.6487% | 7,448 |
| Equity capital to assets | 14.4019% | 1,049 |
| Core capital (leverage) ratio | 11.7208% | 1,806 |
| Tier 1 risk-based capital ratio | 18.2447% | 1,948 |
| Total risk-based capital ratio | 19.5053% | 1,906 |
| Memoranda: | ||
| Average total assets | $1,061,611,250 | 630 |
| Average earning assets | $943,865,250 | 636 |
| Average equity | $153,180,500 | 444 |
| Average total loans | $716,161,500 | 609 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9820% | 5,023 |
| Cost of funding earning assets | 2.3332% | 307 |
| Net interest margin | 2.6488% | 7,304 |
| Noninterest income to average assets | 0.9066% | 1,667 |
| Noninterest expense to average assets | 2.0180% | 7,078 |
| Loan and lease loss provision to assets | 1.2761% | 1,091 |
| Net operating income to assets | 0.0997% | 5,869 |
| Return on assets (ROA) | 0.1000% | 5,983 |
| Pretax return on assets | -0.0289% | 6,178 |
| Return on Equity (ROE) | 0.6924% | 6,033 |
| Retained earnings to average equity (ytd only) | 0.6924% | 5,485 |
| Net charge-offs to loans | 1.9094% | 972 |
| Credit loss provision to net charge-offs | 99.1114% | 4,145 |
| Earnings coverage of net charge-offs (x) | 0.9684% | 4,811 |
| Efficiency ratio | 58.7833% | 6,260 |
| Assets per employee ($millions) | 5.7838% | 1,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7845% | 2,771 |
| Loan loss allowance to noncurrent loans | 39.3465% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 3.5016% | 2,002 |
| Noncurrent loans to loans | 4.5352% | 1,606 |
| Net loans and leases to total assets | 65.8315% | 3,868 |
| Net loans and leases to deposits | 99.9866% | 727 |
| Net loans and leases to core deposits | 105.0562% | 1,528 |
| Total domestic deposits to total assets | 65.8403% | 7,532 |
| Equity capital to assets | 14.6157% | 972 |
| Core capital (leverage) ratio | 12.1529% | 1,564 |
| Tier 1 risk-based capital ratio | 18.5442% | 1,821 |
| Total risk-based capital ratio | 19.8026% | 1,787 |
| Memoranda: | ||
| Average total assets | $1,066,381,670 | 622 |
| Average earning assets | $949,417,670 | 628 |
| Average equity | $153,963,670 | 442 |
| Average total loans | $719,081,330 | 611 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9696% | 5,158 |
| Cost of funding earning assets | 2.3900% | 313 |
| Net interest margin | 2.5796% | 7,408 |
| Noninterest income to average assets | 0.5988% | 3,283 |
| Noninterest expense to average assets | 1.9066% | 7,321 |
| Loan and lease loss provision to assets | 1.9489% | 574 |
| Net operating income to assets | -0.5064% | 6,833 |
| Return on assets (ROA) | -0.5059% | 6,859 |
| Pretax return on assets | -0.9567% | 7,032 |
| Return on Equity (ROE) | -3.5254% | 6,781 |
| Retained earnings to average equity (ytd only) | -3.5254% | 6,433 |
| Net charge-offs to loans | 0.9746% | 1,679 |
| Credit loss provision to net charge-offs | 295.6794% | 1,342 |
| Earnings coverage of net charge-offs (x) | 1.5043% | 3,833 |
| Efficiency ratio | 62.3739% | 5,757 |
| Assets per employee ($millions) | 5.8246% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2516% | 1,659 |
| Loan loss allowance to noncurrent loans | 40.9196% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 4.0469% | 1,691 |
| Noncurrent loans to loans | 5.5025% | 1,271 |
| Net loans and leases to total assets | 66.4738% | 3,754 |
| Net loans and leases to deposits | 101.2752% | 679 |
| Net loans and leases to core deposits | 107.0811% | 1,488 |
| Total domestic deposits to total assets | 65.6368% | 7,626 |
| Equity capital to assets | 14.3980% | 1,036 |
| Core capital (leverage) ratio | 11.8541% | 1,722 |
| Tier 1 risk-based capital ratio | 18.2552% | 1,885 |
| Total risk-based capital ratio | 19.5193% | 1,853 |
| Memoranda: | ||
| Average total assets | $1,067,458,500 | 636 |
| Average earning assets | $951,458,500 | 643 |
| Average equity | $153,173,500 | 445 |
| Average total loans | $721,959,000 | 626 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 5,566 |
| Cost of funding earning assets | 2.7826% | 466 |
| Net interest margin | 2.4358% | 7,484 |
| Noninterest income to average assets | 0.4581% | 4,732 |
| Noninterest expense to average assets | 1.7153% | 7,688 |
| Loan and lease loss provision to assets | 0.4276% | 4,264 |
| Net operating income to assets | 0.5042% | 3,708 |
| Return on assets (ROA) | 0.5328% | 3,696 |
| Pretax return on assets | 0.5739% | 3,976 |
| Return on Equity (ROE) | 3.8069% | 4,164 |
| Retained earnings to average equity (ytd only) | 3.8069% | 2,535 |
| Net charge-offs to loans | 0.0198% | 6,946 |
| Credit loss provision to net charge-offs | 3,333.8129% | 103 |
| Earnings coverage of net charge-offs (x) | 75.6763% | 358 |
| Efficiency ratio | 61.8099% | 6,187 |
| Assets per employee ($millions) | 5.9713% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7690% | 2,646 |
| Loan loss allowance to noncurrent loans | 63.5907% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 2.0316% | 3,361 |
| Noncurrent loans to loans | 2.7818% | 2,776 |
| Net loans and leases to total assets | 66.0771% | 4,128 |
| Net loans and leases to deposits | 102.9198% | 699 |
| Net loans and leases to core deposits | 123.6920% | 1,661 |
| Total domestic deposits to total assets | 64.2025% | 7,706 |
| Equity capital to assets | 14.3014% | 1,076 |
| Core capital (leverage) ratio | 11.7399% | 1,792 |
| Tier 1 risk-based capital ratio | 18.0314% | 1,884 |
| Total risk-based capital ratio | 19.2887% | 1,844 |
| Memoranda: | ||
| Average total assets | $1,083,662,200 | 623 |
| Average earning assets | $991,173,200 | 607 |
| Average equity | $151,671,400 | 449 |
| Average total loans | $702,443,200 | 663 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 5,750 |
| Cost of funding earning assets | 2.8206% | 570 |
| Net interest margin | 2.4113% | 7,553 |
| Noninterest income to average assets | 0.4522% | 4,886 |
| Noninterest expense to average assets | 1.6398% | 7,805 |
| Loan and lease loss provision to assets | 0.0551% | 6,816 |
| Net operating income to assets | 0.7948% | 2,837 |
| Return on assets (ROA) | 0.8119% | 2,823 |
| Pretax return on assets | 0.9971% | 2,917 |
| Return on Equity (ROE) | 5.8321% | 3,590 |
| Retained earnings to average equity (ytd only) | 5.8321% | 2,025 |
| Net charge-offs to loans | 0.0207% | 6,609 |
| Credit loss provision to net charge-offs | 415.7407% | 959 |
| Earnings coverage of net charge-offs (x) | 77.7573% | 434 |
| Efficiency ratio | 60.6951% | 6,322 |
| Assets per employee ($millions) | 6.0140% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 5,002 |
| Loan loss allowance to noncurrent loans | 59.3295% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4444% | 4,217 |
| Noncurrent loans to loans | 2.0573% | 3,554 |
| Net loans and leases to total assets | 64.2052% | 4,823 |
| Net loans and leases to deposits | 101.2309% | 991 |
| Net loans and leases to core deposits | 123.2077% | 1,977 |
| Total domestic deposits to total assets | 63.4246% | 7,790 |
| Equity capital to assets | 14.3203% | 1,199 |
| Core capital (leverage) ratio | 11.7276% | 1,950 |
| Tier 1 risk-based capital ratio | 18.4091% | 1,886 |
| Total risk-based capital ratio | 19.6594% | 1,834 |
| Memoranda: | ||
| Average total assets | $1,085,868,000 | 630 |
| Average earning assets | $999,151,750 | 613 |
| Average equity | $151,160,000 | 459 |
| Average total loans | $697,301,000 | 685 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2273% | 5,970 |
| Cost of funding earning assets | 2.8596% | 671 |
| Net interest margin | 2.3676% | 7,606 |
| Noninterest income to average assets | 0.3928% | 5,348 |
| Noninterest expense to average assets | 1.6092% | 7,903 |
| Loan and lease loss provision to assets | 0.1189% | 5,941 |
| Net operating income to assets | 0.7148% | 3,187 |
| Return on assets (ROA) | 0.7090% | 3,318 |
| Pretax return on assets | 0.8489% | 3,517 |
| Return on Equity (ROE) | 5.1422% | 4,015 |
| Retained earnings to average equity (ytd only) | 5.1422% | 2,432 |
| Net charge-offs to loans | 0.0035% | 6,573 |
| Credit loss provision to net charge-offs | 5,375.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 440.6667% | 79 |
| Efficiency ratio | 61.9418% | 6,254 |
| Assets per employee ($millions) | 6.8766% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2592% | 4,550 |
| Loan loss allowance to noncurrent loans | 57.4333% | 4,590 |
| Noncurrent assets plus other real estate owned to assets | 1.5174% | 3,948 |
| Noncurrent loans to loans | 2.1925% | 3,270 |
| Net loans and leases to total assets | 64.4360% | 4,889 |
| Net loans and leases to deposits | 99.0022% | 1,390 |
| Net loans and leases to core deposits | 120.5732% | 2,312 |
| Total domestic deposits to total assets | 65.0854% | 7,790 |
| Equity capital to assets | 13.9320% | 1,335 |
| Core capital (leverage) ratio | 13.2486% | 1,347 |
| Tier 1 risk-based capital ratio | 21.7366% | 1,292 |
| Total risk-based capital ratio | 22.9875% | 1,266 |
| Memoranda: | ||
| Average total assets | $1,084,981,330 | 638 |
| Average earning assets | $1,004,122,000 | 620 |
| Average equity | $149,586,670 | 468 |
| Average total loans | $693,892,000 | 709 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2799% | 5,980 |
| Cost of funding earning assets | 2.9262% | 724 |
| Net interest margin | 2.3536% | 7,667 |
| Noninterest income to average assets | 0.3627% | 5,538 |
| Noninterest expense to average assets | 1.5181% | 7,977 |
| Loan and lease loss provision to assets | -0.0030% | 8,168 |
| Net operating income to assets | 0.8203% | 3,044 |
| Return on assets (ROA) | 0.8076% | 3,259 |
| Pretax return on assets | 1.0094% | 3,317 |
| Return on Equity (ROE) | 5.8886% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.8886% | 2,682 |
| Net charge-offs to loans | 0.0076% | 5,568 |
| Credit loss provision to net charge-offs | -61.5385% | 6,183 |
| Earnings coverage of net charge-offs (x) | 213.1538% | 197 |
| Efficiency ratio | 59.4249% | 6,493 |
| Assets per employee ($millions) | 7.1824% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 4,857 |
| Loan loss allowance to noncurrent loans | 102.7826% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 5,210 |
| Noncurrent loans to loans | 1.1600% | 4,664 |
| Net loans and leases to total assets | 62.3987% | 5,254 |
| Net loans and leases to deposits | 99.4886% | 1,479 |
| Net loans and leases to core deposits | 120.2701% | 2,395 |
| Total domestic deposits to total assets | 62.7195% | 7,891 |
| Equity capital to assets | 13.7048% | 1,464 |
| Core capital (leverage) ratio | 13.2847% | 1,389 |
| Tier 1 risk-based capital ratio | 21.5795% | 1,360 |
| Total risk-based capital ratio | 22.8253% | 1,329 |
| Memoranda: | ||
| Average total assets | $1,084,224,500 | 636 |
| Average earning assets | $1,003,210,000 | 623 |
| Average equity | $148,695,000 | 472 |
| Average total loans | $686,327,000 | 729 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 7,056 |
| Cost of funding earning assets | 3.3271% | 857 |
| Net interest margin | 2.2758% | 7,923 |
| Noninterest income to average assets | 0.3725% | 5,718 |
| Noninterest expense to average assets | 1.4113% | 8,070 |
| Loan and lease loss provision to assets | 0.1601% | 5,331 |
| Net operating income to assets | 0.7905% | 3,476 |
| Return on assets (ROA) | 0.7263% | 3,609 |
| Pretax return on assets | 0.8326% | 3,950 |
| Return on Equity (ROE) | 5.4425% | 4,184 |
| Retained earnings to average equity (ytd only) | 5.4425% | 1,787 |
| Net charge-offs to loans | 0.0186% | 6,606 |
| Credit loss provision to net charge-offs | 1,393.4426% | 327 |
| Earnings coverage of net charge-offs (x) | 92.8197% | 456 |
| Efficiency ratio | 56.6059% | 6,925 |
| Assets per employee ($millions) | 6.7267% | 796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2222% | 4,359 |
| Loan loss allowance to noncurrent loans | 133.8119% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.6271% | 5,321 |
| Noncurrent loans to loans | 0.9134% | 4,792 |
| Net loans and leases to total assets | 62.6793% | 5,514 |
| Net loans and leases to deposits | 102.5367% | 1,527 |
| Net loans and leases to core deposits | 124.2282% | 2,306 |
| Total domestic deposits to total assets | 61.1286% | 7,922 |
| Equity capital to assets | 13.7243% | 1,533 |
| Core capital (leverage) ratio | 13.2524% | 1,460 |
| Tier 1 risk-based capital ratio | 21.6077% | 1,371 |
| Total risk-based capital ratio | 22.8580% | 1,335 |
| Memoranda: | ||
| Average total assets | $1,061,891,000 | 625 |
| Average earning assets | $982,267,400 | 611 |
| Average equity | $141,717,800 | 493 |
| Average total loans | $656,356,000 | 722 |