Home > Republic Bank > Performance and Condition Ratios
Republic 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 | 3.9052% | 4,079 |
| Cost of funding earning assets | 2.6896% | 253 |
| Net interest margin | 1.2156% | 4,534 |
| Noninterest income to average assets | 0.3800% | 2,615 |
| Noninterest expense to average assets | 2.2376% | 3,018 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | -0.6777% | 4,518 |
| Return on assets (ROA) | -0.7077% | 4,511 |
| Pretax return on assets | -0.7025% | 4,502 |
| Return on Equity (ROE) | -36.6100% | 4,565 |
| Retained earnings to average equity (ytd only) | -37.4671% | 4,551 |
| Net charge-offs to loans | 0.0065% | 2,451 |
| Credit loss provision to net charge-offs | -730.1980% | 4,555 |
| Earnings coverage of net charge-offs (x) | -208.5891% | 4,602 |
| Efficiency ratio | 145.3435% | 49 |
| Assets per employee ($millions) | 13.5166% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 3,956 |
| Loan loss allowance to noncurrent loans | 119.9833% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 1,521 |
| Noncurrent loans to loans | 0.6682% | 1,174 |
| Net loans and leases to total assets | 51.4500% | 3,511 |
| Net loans and leases to deposits | 69.0080% | 2,949 |
| Net loans and leases to core deposits | 71.6333% | 3,213 |
| Total domestic deposits to total assets | 74.5600% | 4,067 |
| Equity capital to assets | 1.7828% | 4,570 |
| Core capital (leverage) ratio | 4.4296% | 4,548 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.5892% | 2,891 |
| Memoranda: | ||
| Average total assets | $6,035,831,200 | 244 |
| Average earning assets | $5,750,335,800 | 231 |
| Average equity | $116,670,400 | 847 |
| Average total loans | $3,115,600,600 | 294 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 4,151 |
| Cost of funding earning assets | 2.4572% | 295 |
| Net interest margin | 1.3004% | 4,547 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.2404% | 2,967 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | -0.5890% | 4,542 |
| Return on assets (ROA) | -0.6531% | 4,538 |
| Pretax return on assets | -0.6480% | 4,528 |
| Return on Equity (ROE) | -33.1600% | 4,591 |
| Retained earnings to average equity (ytd only) | -33.1640% | 4,577 |
| Net charge-offs to loans | -0.0035% | 3,668 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 131.6181% | 61 |
| Assets per employee ($millions) | 14.2018% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9156% | 3,681 |
| Loan loss allowance to noncurrent loans | 156.4838% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3542% | 1,611 |
| Noncurrent loans to loans | 0.5851% | 1,372 |
| Net loans and leases to total assets | 48.3800% | 3,718 |
| Net loans and leases to deposits | 68.8053% | 2,924 |
| Net loans and leases to core deposits | 75.8230% | 2,878 |
| Total domestic deposits to total assets | 70.3100% | 4,317 |
| Equity capital to assets | 1.3402% | 4,567 |
| Core capital (leverage) ratio | 4.6475% | 4,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.9251% | 2,906 |
| Memoranda: | ||
| Average total assets | $6,078,241,500 | 242 |
| Average earning assets | $5,792,572,750 | 232 |
| Average equity | $119,693,000 | 820 |
| Average total loans | $3,133,812,500 | 295 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 4,209 |
| Cost of funding earning assets | 2.1981% | 337 |
| Net interest margin | 1.4404% | 4,582 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.1949% | 3,093 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | -0.4044% | 4,556 |
| Return on assets (ROA) | -0.4806% | 4,563 |
| Pretax return on assets | -0.6513% | 4,567 |
| Return on Equity (ROE) | -15.0700% | 4,601 |
| Retained earnings to average equity (ytd only) | -15.0670% | 4,561 |
| Net charge-offs to loans | -0.0002% | 3,375 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 126.7782% | 61 |
| Assets per employee ($millions) | 13.0815% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 3,750 |
| Loan loss allowance to noncurrent loans | 166.0089% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 1,420 |
| Noncurrent loans to loans | 0.5477% | 1,362 |
| Net loans and leases to total assets | 52.1100% | 3,401 |
| Net loans and leases to deposits | 66.8225% | 3,014 |
| Net loans and leases to core deposits | 68.9432% | 3,190 |
| Total domestic deposits to total assets | 77.9800% | 3,849 |
| Equity capital to assets | 3.1454% | 4,561 |
| Core capital (leverage) ratio | 5.5585% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1842% | 2,924 |
| Memoranda: | ||
| Average total assets | $6,064,473,667 | 238 |
| Average earning assets | $5,718,434,000 | 230 |
| Average equity | $193,442,667 | 541 |
| Average total loans | $3,152,155,000 | 285 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4851% | 4,287 |
| Cost of funding earning assets | 1.9497% | 331 |
| Net interest margin | 1.5355% | 4,638 |
| Noninterest income to average assets | 0.5700% | 1,541 |
| Noninterest expense to average assets | 2.2849% | 2,860 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | -0.1989% | 4,550 |
| Return on assets (ROA) | -0.4690% | 4,574 |
| Pretax return on assets | -0.6425% | 4,578 |
| Return on Equity (ROE) | -14.4500% | 4,620 |
| Retained earnings to average equity (ytd only) | -14.4484% | 4,542 |
| Net charge-offs to loans | -0.0006% | 3,286 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 113.4797% | 88 |
| Assets per employee ($millions) | 11.3526% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8416% | 4,005 |
| Loan loss allowance to noncurrent loans | 142.6497% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 1,614 |
| Noncurrent loans to loans | 0.5900% | 1,262 |
| Net loans and leases to total assets | 50.8700% | 3,428 |
| Net loans and leases to deposits | 64.0409% | 3,080 |
| Net loans and leases to core deposits | 64.9935% | 3,286 |
| Total domestic deposits to total assets | 79.4400% | 3,845 |
| Equity capital to assets | 3.2236% | 4,590 |
| Core capital (leverage) ratio | 5.3563% | 4,673 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.1889% | 3,008 |
| Memoranda: | ||
| Average total assets | $6,088,119,500 | 245 |
| Average earning assets | $5,742,671,000 | 236 |
| Average equity | $197,641,500 | 540 |
| Average total loans | $3,145,965,000 | 290 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1796% | 3,853 |
| Cost of funding earning assets | 0.5743% | 996 |
| Net interest margin | 2.6052% | 4,165 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.1815% | 3,071 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 0.4698% | 4,136 |
| Return on assets (ROA) | 0.4265% | 4,175 |
| Pretax return on assets | 0.5677% | 4,082 |
| Return on Equity (ROE) | 10.0500% | 2,789 |
| Retained earnings to average equity (ytd only) | 10.0456% | 1,130 |
| Net charge-offs to loans | 0.0946% | 754 |
| Credit loss provision to net charge-offs | 188.1203% | 1,160 |
| Earnings coverage of net charge-offs (x) | 15.5398% | 2,004 |
| Efficiency ratio | 75.4921% | 1,070 |
| Assets per employee ($millions) | 11.5603% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7733% | 4,089 |
| Loan loss allowance to noncurrent loans | 141.2692% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 1,660 |
| Noncurrent loans to loans | 0.5474% | 1,353 |
| Net loans and leases to total assets | 51.6500% | 3,384 |
| Net loans and leases to deposits | 62.1583% | 3,185 |
| Net loans and leases to core deposits | 62.5575% | 3,357 |
| Total domestic deposits to total assets | 83.0900% | 3,399 |
| Equity capital to assets | 3.2695% | 4,584 |
| Core capital (leverage) ratio | 5.5087% | 4,703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.0924% | 3,043 |
| Memoranda: | ||
| Average total assets | $5,836,687,200 | 247 |
| Average earning assets | $5,528,680,800 | 236 |
| Average equity | $247,820,800 | 444 |
| Average total loans | $2,812,205,200 | 295 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0617% | 3,764 |
| Cost of funding earning assets | 0.3620% | 1,600 |
| Net interest margin | 2.6997% | 3,927 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.1856% | 2,973 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 0.5835% | 3,872 |
| Return on assets (ROA) | 0.5363% | 3,942 |
| Pretax return on assets | 0.7126% | 3,776 |
| Return on Equity (ROE) | 11.9200% | 2,061 |
| Retained earnings to average equity (ytd only) | 11.9169% | 816 |
| Net charge-offs to loans | 0.1318% | 491 |
| Credit loss provision to net charge-offs | 71.8681% | 1,447 |
| Earnings coverage of net charge-offs (x) | 13.1434% | 1,892 |
| Efficiency ratio | 72.7907% | 1,409 |
| Assets per employee ($millions) | 10.9526% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6897% | 4,267 |
| Loan loss allowance to noncurrent loans | 137.1197% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 1,857 |
| Noncurrent loans to loans | 0.5030% | 1,542 |
| Net loans and leases to total assets | 50.9200% | 3,388 |
| Net loans and leases to deposits | 58.0705% | 3,337 |
| Net loans and leases to core deposits | 58.5112% | 3,469 |
| Total domestic deposits to total assets | 87.6800% | 2,523 |
| Equity capital to assets | 3.3040% | 4,565 |
| Core capital (leverage) ratio | 5.7069% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.2132% | 3,109 |
| Memoranda: | ||
| Average total assets | $5,787,245,000 | 249 |
| Average earning assets | $5,488,350,250 | 238 |
| Average equity | $260,452,000 | 433 |
| Average total loans | $2,730,055,000 | 295 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9489% | 3,675 |
| Cost of funding earning assets | 0.2578% | 2,166 |
| Net interest margin | 2.6911% | 3,717 |
| Noninterest income to average assets | 0.4612% | 2,391 |
| Noninterest expense to average assets | 2.1456% | 3,018 |
| Loan and lease loss provision to assets | 0.0867% | 1,142 |
| Net operating income to assets | 0.5949% | 3,640 |
| Return on assets (ROA) | 0.5292% | 3,775 |
| Pretax return on assets | 0.7012% | 3,571 |
| Return on Equity (ROE) | 10.7591% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.7591% | 832 |
| Net charge-offs to loans | 0.2336% | 279 |
| Credit loss provision to net charge-offs | 81.1191% | 1,385 |
| Earnings coverage of net charge-offs (x) | 8.1522% | 1,830 |
| Efficiency ratio | 71.1224% | 1,814 |
| Assets per employee ($millions) | 10.8083% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5735% | 4,488 |
| Loan loss allowance to noncurrent loans | 108.9071% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 2,054 |
| Noncurrent loans to loans | 0.5266% | 1,570 |
| Net loans and leases to total assets | 46.9496% | 3,632 |
| Net loans and leases to deposits | 52.6504% | 3,635 |
| Net loans and leases to core deposits | 53.1552% | 3,750 |
| Total domestic deposits to total assets | 89.1722% | 2,103 |
| Equity capital to assets | 4.1408% | 4,610 |
| Core capital (leverage) ratio | 5.8745% | 4,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8023% | 3,040 |
| Memoranda: | ||
| Average total assets | $5,719,295,333 | 247 |
| Average earning assets | $5,431,384,667 | 241 |
| Average equity | $281,287,333 | 406 |
| Average total loans | $2,616,182,000 | 299 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 3,648 |
| Cost of funding earning assets | 0.2416% | 2,249 |
| Net interest margin | 2.6093% | 3,633 |
| Noninterest income to average assets | 0.4761% | 2,268 |
| Noninterest expense to average assets | 2.1951% | 2,849 |
| Loan and lease loss provision to assets | 0.0905% | 915 |
| Net operating income to assets | 0.5072% | 3,693 |
| Return on assets (ROA) | 0.4354% | 3,848 |
| Pretax return on assets | 0.5820% | 3,684 |
| Return on Equity (ROE) | 8.1843% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.1843% | 1,525 |
| Net charge-offs to loans | 0.0079% | 1,462 |
| Credit loss provision to net charge-offs | 2,558.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 215.8600% | 409 |
| Efficiency ratio | 74.1967% | 1,719 |
| Assets per employee ($millions) | 10.5256% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6874% | 4,408 |
| Loan loss allowance to noncurrent loans | 141.9604% | 3,037 |
| Noncurrent assets plus other real estate owned to assets | 0.2245% | 2,302 |
| Noncurrent loans to loans | 0.4842% | 1,819 |
| Net loans and leases to total assets | 44.7580% | 3,680 |
| Net loans and leases to deposits | 47.9687% | 3,866 |
| Net loans and leases to core deposits | 48.6640% | 3,950 |
| Total domestic deposits to total assets | 93.3068% | 203 |
| Equity capital to assets | 4.9109% | 4,730 |
| Core capital (leverage) ratio | 5.8991% | 4,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2348% | 3,019 |
| Memoranda: | ||
| Average total assets | $5,655,297,500 | 252 |
| Average earning assets | $5,380,296,500 | 244 |
| Average equity | $300,870,000 | 398 |
| Average total loans | $2,543,717,500 | 305 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9299% | 4,003 |
| Cost of funding earning assets | 0.3610% | 1,850 |
| Net interest margin | 2.5689% | 4,096 |
| Noninterest income to average assets | 0.5771% | 2,250 |
| Noninterest expense to average assets | 2.2225% | 3,005 |
| Loan and lease loss provision to assets | 0.1072% | 1,180 |
| Net operating income to assets | 0.5125% | 4,060 |
| Return on assets (ROA) | 0.5188% | 4,090 |
| Pretax return on assets | 0.6933% | 3,938 |
| Return on Equity (ROE) | 9.0695% | 2,886 |
| Retained earnings to average equity (ytd only) | 9.0695% | 1,177 |
| Net charge-offs to loans | -0.0092% | 3,710 |
| Credit loss provision to net charge-offs | -2,405.8577% | 4,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7113% | 1,338 |
| Assets per employee ($millions) | 10.4392% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 4,342 |
| Loan loss allowance to noncurrent loans | 147.4192% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 2,382 |
| Noncurrent loans to loans | 0.5102% | 1,846 |
| Net loans and leases to total assets | 44.5521% | 3,794 |
| Net loans and leases to deposits | 48.1639% | 3,985 |
| Net loans and leases to core deposits | 48.9261% | 4,059 |
| Total domestic deposits to total assets | 92.5009% | 92 |
| Equity capital to assets | 5.7351% | 4,819 |
| Core capital (leverage) ratio | 5.8518% | 4,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4348% | 2,996 |
| Memoranda: | ||
| Average total assets | $5,364,304,000 | 257 |
| Average earning assets | $5,091,022,600 | 250 |
| Average equity | $306,832,200 | 394 |
| Average total loans | $2,600,823,200 | 296 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8952% | 4,180 |
| Cost of funding earning assets | 0.3681% | 1,954 |
| Net interest margin | 2.5271% | 4,226 |
| Noninterest income to average assets | 0.5836% | 2,283 |
| Noninterest expense to average assets | 2.1956% | 3,084 |
| Loan and lease loss provision to assets | 0.0981% | 1,218 |
| Net operating income to assets | 0.5185% | 4,170 |
| Return on assets (ROA) | 0.5281% | 4,194 |
| Pretax return on assets | 0.6977% | 4,067 |
| Return on Equity (ROE) | 9.2389% | 3,024 |
| Retained earnings to average equity (ytd only) | 9.2389% | 1,602 |
| Net charge-offs to loans | -0.0175% | 3,918 |
| Credit loss provision to net charge-offs | -1,137.0262% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6958% | 1,239 |
| Assets per employee ($millions) | 10.1417% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 4,526 |
| Loan loss allowance to noncurrent loans | 133.0089% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.2498% | 2,532 |
| Noncurrent loans to loans | 0.5149% | 2,015 |
| Net loans and leases to total assets | 46.2761% | 3,768 |
| Net loans and leases to deposits | 50.1654% | 4,002 |
| Net loans and leases to core deposits | 50.9861% | 4,080 |
| Total domestic deposits to total assets | 92.2472% | 86 |
| Equity capital to assets | 5.9372% | 4,890 |
| Core capital (leverage) ratio | 6.2324% | 4,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1786% | 2,929 |
| Memoranda: | ||
| Average total assets | $5,301,313,000 | 259 |
| Average earning assets | $5,025,821,500 | 250 |
| Average equity | $303,016,000 | 400 |
| Average total loans | $2,620,747,250 | 295 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9159% | 4,198 |
| Cost of funding earning assets | 0.3845% | 2,016 |
| Net interest margin | 2.5314% | 4,268 |
| Noninterest income to average assets | 0.6253% | 2,107 |
| Noninterest expense to average assets | 2.2116% | 3,052 |
| Loan and lease loss provision to assets | 0.1139% | 1,103 |
| Net operating income to assets | 0.5276% | 4,164 |
| Return on assets (ROA) | 0.5424% | 4,174 |
| Pretax return on assets | 0.7156% | 4,033 |
| Return on Equity (ROE) | 9.6157% | 2,905 |
| Retained earnings to average equity (ytd only) | 9.6157% | 1,521 |
| Net charge-offs to loans | -0.0102% | 3,675 |
| Credit loss provision to net charge-offs | -2,222.2222% | 3,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1718% | 1,322 |
| Assets per employee ($millions) | 10.5658% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6353% | 4,618 |
| Loan loss allowance to noncurrent loans | 123.4767% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 2,631 |
| Noncurrent loans to loans | 0.5145% | 2,135 |
| Net loans and leases to total assets | 46.9446% | 3,831 |
| Net loans and leases to deposits | 55.1878% | 3,773 |
| Net loans and leases to core deposits | 56.0916% | 3,885 |
| Total domestic deposits to total assets | 85.0634% | 3,066 |
| Equity capital to assets | 5.8941% | 4,922 |
| Core capital (leverage) ratio | 6.9614% | 4,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7744% | 2,783 |
| Memoranda: | ||
| Average total assets | $5,269,947,667 | 258 |
| Average earning assets | $4,990,364,667 | 250 |
| Average equity | $297,243,000 | 401 |
| Average total loans | $2,656,328,000 | 292 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0051% | 4,073 |
| Cost of funding earning assets | 0.3999% | 2,095 |
| Net interest margin | 2.6053% | 4,138 |
| Noninterest income to average assets | 0.7119% | 1,841 |
| Noninterest expense to average assets | 2.1997% | 3,117 |
| Loan and lease loss provision to assets | 0.2298% | 493 |
| Net operating income to assets | 0.5632% | 4,033 |
| Return on assets (ROA) | 0.5832% | 4,041 |
| Pretax return on assets | 0.7698% | 3,864 |
| Return on Equity (ROE) | 10.5838% | 2,501 |
| Retained earnings to average equity (ytd only) | 10.5838% | 1,494 |
| Net charge-offs to loans | -0.0169% | 3,914 |
| Credit loss provision to net charge-offs | -2,608.6957% | 3,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3015% | 1,783 |
| Assets per employee ($millions) | 10.9923% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5885% | 4,690 |
| Loan loss allowance to noncurrent loans | 121.9939% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2669% | 2,816 |
| Noncurrent loans to loans | 0.4824% | 2,404 |
| Net loans and leases to total assets | 50.4687% | 3,585 |
| Net loans and leases to deposits | 61.9891% | 3,317 |
| Net loans and leases to core deposits | 63.1762% | 3,485 |
| Total domestic deposits to total assets | 81.4155% | 3,998 |
| Equity capital to assets | 5.3517% | 4,960 |
| Core capital (leverage) ratio | 7.3762% | 4,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2831% | 2,873 |
| Memoranda: | ||
| Average total assets | $5,221,203,500 | 254 |
| Average earning assets | $4,934,603,500 | 250 |
| Average equity | $287,684,500 | 404 |
| Average total loans | $2,716,576,500 | 290 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9565% | 4,665 |
| Cost of funding earning assets | 0.5797% | 2,448 |
| Net interest margin | 2.3768% | 4,670 |
| Noninterest income to average assets | 0.7607% | 1,656 |
| Noninterest expense to average assets | 2.7219% | 2,171 |
| Loan and lease loss provision to assets | 0.0997% | 3,091 |
| Net operating income to assets | 0.1250% | 4,652 |
| Return on assets (ROA) | 0.1768% | 4,658 |
| Pretax return on assets | 0.2265% | 4,633 |
| Return on Equity (ROE) | 2.8350% | 4,418 |
| Retained earnings to average equity (ytd only) | 2.8350% | 3,454 |
| Net charge-offs to loans | 0.0212% | 2,638 |
| Credit loss provision to net charge-offs | 855.3971% | 861 |
| Earnings coverage of net charge-offs (x) | 22.3564% | 1,858 |
| Efficiency ratio | 87.2701% | 479 |
| Assets per employee ($millions) | 10.4683% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4808% | 4,804 |
| Loan loss allowance to noncurrent loans | 100.9099% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.2778% | 2,907 |
| Noncurrent loans to loans | 0.4764% | 2,544 |
| Net loans and leases to total assets | 53.1177% | 3,573 |
| Net loans and leases to deposits | 66.5209% | 3,223 |
| Net loans and leases to core deposits | 67.9582% | 3,415 |
| Total domestic deposits to total assets | 79.8512% | 4,068 |
| Equity capital to assets | 5.6785% | 4,983 |
| Core capital (leverage) ratio | 7.4337% | 4,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3604% | 2,831 |
| Memoranda: | ||
| Average total assets | $4,210,931,000 | 281 |
| Average earning assets | $3,936,508,200 | 272 |
| Average equity | $262,572,800 | 406 |
| Average total loans | $2,319,886,800 | 307 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0322% | 4,714 |
| Cost of funding earning assets | 0.6210% | 2,482 |
| Net interest margin | 2.4111% | 4,716 |
| Noninterest income to average assets | 0.7076% | 1,775 |
| Noninterest expense to average assets | 2.8424% | 1,842 |
| Loan and lease loss provision to assets | 0.0933% | 3,150 |
| Net operating income to assets | 0.0147% | 4,761 |
| Return on assets (ROA) | 0.0957% | 4,731 |
| Pretax return on assets | 0.1093% | 4,722 |
| Return on Equity (ROE) | 1.4922% | 4,624 |
| Retained earnings to average equity (ytd only) | 1.4922% | 4,086 |
| Net charge-offs to loans | 0.0129% | 2,643 |
| Credit loss provision to net charge-offs | 1,302.3256% | 693 |
| Earnings coverage of net charge-offs (x) | 15.4326% | 2,100 |
| Efficiency ratio | 90.5977% | 348 |
| Assets per employee ($millions) | 9.8201% | 538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4435% | 4,857 |
| Loan loss allowance to noncurrent loans | 95.1964% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 3,073 |
| Noncurrent loans to loans | 0.4659% | 2,659 |
| Net loans and leases to total assets | 53.7466% | 3,825 |
| Net loans and leases to deposits | 67.6830% | 3,492 |
| Net loans and leases to core deposits | 69.4911% | 3,661 |
| Total domestic deposits to total assets | 79.4093% | 3,981 |
| Equity capital to assets | 5.6765% | 5,011 |
| Core capital (leverage) ratio | 7.9783% | 4,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7212% | 2,712 |
| Memoranda: | ||
| Average total assets | $3,999,614,500 | 288 |
| Average earning assets | $3,724,721,750 | 280 |
| Average equity | $256,437,500 | 404 |
| Average total loans | $2,225,180,500 | 316 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2604% | 4,676 |
| Cost of funding earning assets | 0.6905% | 2,446 |
| Net interest margin | 2.5700% | 4,685 |
| Noninterest income to average assets | 0.6521% | 1,929 |
| Noninterest expense to average assets | 2.8424% | 1,994 |
| Loan and lease loss provision to assets | 0.1059% | 2,951 |
| Net operating income to assets | 0.0693% | 4,719 |
| Return on assets (ROA) | 0.1784% | 4,642 |
| Pretax return on assets | 0.2191% | 4,618 |
| Return on Equity (ROE) | 2.6463% | 4,413 |
| Retained earnings to average equity (ytd only) | 2.6463% | 3,531 |
| Net charge-offs to loans | 0.0170% | 2,387 |
| Credit loss provision to net charge-offs | 1,107.9545% | 738 |
| Earnings coverage of net charge-offs (x) | 19.9034% | 1,701 |
| Efficiency ratio | 93.7275% | 303 |
| Assets per employee ($millions) | 8.5763% | 789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4298% | 4,890 |
| Loan loss allowance to noncurrent loans | 86.8129% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 3,060 |
| Noncurrent loans to loans | 0.4951% | 2,668 |
| Net loans and leases to total assets | 57.7883% | 3,535 |
| Net loans and leases to deposits | 70.0634% | 3,412 |
| Net loans and leases to core deposits | 72.4966% | 3,561 |
| Total domestic deposits to total assets | 82.4799% | 3,243 |
| Equity capital to assets | 5.6821% | 5,046 |
| Core capital (leverage) ratio | 7.2890% | 4,964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5724% | 3,071 |
| Memoranda: | ||
| Average total assets | $3,683,042,667 | 299 |
| Average earning assets | $3,411,575,000 | 293 |
| Average equity | $248,267,333 | 412 |
| Average total loans | $2,076,258,333 | 331 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5948% | 4,532 |
| Cost of funding earning assets | 0.8453% | 2,134 |
| Net interest margin | 2.7495% | 4,620 |
| Noninterest income to average assets | 0.6815% | 1,722 |
| Noninterest expense to average assets | 3.1989% | 1,425 |
| Loan and lease loss provision to assets | 0.1147% | 2,248 |
| Net operating income to assets | -0.0691% | 4,787 |
| Return on assets (ROA) | 0.0111% | 4,730 |
| Pretax return on assets | -0.0048% | 4,737 |
| Return on Equity (ROE) | 0.1492% | 4,725 |
| Retained earnings to average equity (ytd only) | 0.1492% | 3,957 |
| Net charge-offs to loans | -0.0002% | 3,581 |
| Credit loss provision to net charge-offs | -95,000.0000% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7402% | 240 |
| Assets per employee ($millions) | 5.9625% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5381% | 4,841 |
| Loan loss allowance to noncurrent loans | 72.0268% | 3,700 |
| Noncurrent assets plus other real estate owned to assets | 0.4657% | 2,607 |
| Noncurrent loans to loans | 0.7470% | 2,137 |
| Net loans and leases to total assets | 57.3825% | 3,719 |
| Net loans and leases to deposits | 64.0046% | 3,985 |
| Net loans and leases to core deposits | 67.2415% | 4,021 |
| Total domestic deposits to total assets | 89.6536% | 428 |
| Equity capital to assets | 7.5407% | 5,029 |
| Core capital (leverage) ratio | 7.3843% | 5,057 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3350% | 3,265 |
| Memoranda: | ||
| Average total assets | $3,311,888,000 | 311 |
| Average earning assets | $3,042,277,000 | 304 |
| Average equity | $246,673,500 | 417 |
| Average total loans | $1,830,200,500 | 359 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 4,483 |
| Cost of funding earning assets | 0.9722% | 1,848 |
| Net interest margin | 2.8977% | 4,660 |
| Noninterest income to average assets | 0.7311% | 1,702 |
| Noninterest expense to average assets | 3.3899% | 1,133 |
| Loan and lease loss provision to assets | 0.0640% | 2,751 |
| Net operating income to assets | -0.0391% | 4,985 |
| Return on assets (ROA) | -0.0098% | 4,993 |
| Pretax return on assets | -0.0244% | 4,987 |
| Return on Equity (ROE) | -0.1237% | 4,993 |
| Retained earnings to average equity (ytd only) | -0.1237% | 4,717 |
| Net charge-offs to loans | 0.0800% | 1,962 |
| Credit loss provision to net charge-offs | 151.9139% | 1,681 |
| Earnings coverage of net charge-offs (x) | 0.0606% | 3,633 |
| Efficiency ratio | 99.9247% | 159 |
| Assets per employee ($millions) | 5.8670% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5260% | 4,859 |
| Loan loss allowance to noncurrent loans | 74.6475% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 2,697 |
| Noncurrent loans to loans | 0.7047% | 2,113 |
| Net loans and leases to total assets | 52.5822% | 4,178 |
| Net loans and leases to deposits | 58.2923% | 4,361 |
| Net loans and leases to core deposits | 61.2107% | 4,380 |
| Total domestic deposits to total assets | 90.2043% | 260 |
| Equity capital to assets | 7.3566% | 5,115 |
| Core capital (leverage) ratio | 7.5399% | 5,101 |
| Tier 1 risk-based capital ratio | 11.5038% | 4,627 |
| Total risk-based capital ratio | 11.9424% | 4,877 |
| Memoranda: | ||
| Average total assets | $2,976,964,800 | 314 |
| Average earning assets | $2,734,141,600 | 313 |
| Average equity | $236,768,000 | 411 |
| Average total loans | $1,567,996,600 | 391 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 4,440 |
| Cost of funding earning assets | 0.9910% | 1,802 |
| Net interest margin | 2.9686% | 4,666 |
| Noninterest income to average assets | 0.7714% | 1,514 |
| Noninterest expense to average assets | 3.4283% | 1,043 |
| Loan and lease loss provision to assets | 0.0346% | 3,207 |
| Net operating income to assets | 0.0293% | 5,055 |
| Return on assets (ROA) | 0.0731% | 5,051 |
| Pretax return on assets | 0.0854% | 5,048 |
| Return on Equity (ROE) | 0.8994% | 5,022 |
| Retained earnings to average equity (ytd only) | 0.8994% | 4,591 |
| Net charge-offs to loans | 0.0788% | 1,697 |
| Credit loss provision to net charge-offs | 83.5189% | 2,458 |
| Earnings coverage of net charge-offs (x) | 1.6670% | 3,269 |
| Efficiency ratio | 98.0240% | 171 |
| Assets per employee ($millions) | 5.4856% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5323% | 4,927 |
| Loan loss allowance to noncurrent loans | 70.2539% | 3,820 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 2,177 |
| Noncurrent loans to loans | 0.7577% | 2,070 |
| Net loans and leases to total assets | 51.4110% | 4,344 |
| Net loans and leases to deposits | 57.5950% | 4,487 |
| Net loans and leases to core deposits | 61.3150% | 4,487 |
| Total domestic deposits to total assets | 89.2630% | 531 |
| Equity capital to assets | 8.0214% | 5,123 |
| Core capital (leverage) ratio | 8.2343% | 5,054 |
| Tier 1 risk-based capital ratio | 12.5478% | 4,115 |
| Total risk-based capital ratio | 12.9817% | 4,450 |
| Memoranda: | ||
| Average total assets | $2,888,091,750 | 328 |
| Average earning assets | $2,652,038,750 | 324 |
| Average equity | $234,670,750 | 416 |
| Average total loans | $1,519,609,750 | 403 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0269% | 4,324 |
| Cost of funding earning assets | 0.9985% | 1,700 |
| Net interest margin | 3.0284% | 4,639 |
| Noninterest income to average assets | 0.7630% | 1,469 |
| Noninterest expense to average assets | 3.3585% | 1,177 |
| Loan and lease loss provision to assets | 0.0212% | 3,376 |
| Net operating income to assets | 0.1431% | 5,033 |
| Return on assets (ROA) | 0.1765% | 5,025 |
| Pretax return on assets | 0.2171% | 5,014 |
| Return on Equity (ROE) | 2.1621% | 4,920 |
| Retained earnings to average equity (ytd only) | 2.1621% | 4,068 |
| Net charge-offs to loans | 0.1148% | 1,277 |
| Credit loss provision to net charge-offs | 34.9243% | 2,571 |
| Earnings coverage of net charge-offs (x) | 3.2398% | 2,866 |
| Efficiency ratio | 94.4585% | 228 |
| Assets per employee ($millions) | 5.2651% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5258% | 4,984 |
| Loan loss allowance to noncurrent loans | 86.4192% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 0.5363% | 2,406 |
| Noncurrent loans to loans | 0.6084% | 2,440 |
| Net loans and leases to total assets | 51.9688% | 4,355 |
| Net loans and leases to deposits | 60.1073% | 4,419 |
| Net loans and leases to core deposits | 63.9118% | 4,418 |
| Total domestic deposits to total assets | 86.4600% | 1,837 |
| Equity capital to assets | 8.4249% | 5,069 |
| Core capital (leverage) ratio | 8.5720% | 4,926 |
| Tier 1 risk-based capital ratio | 12.9933% | 3,839 |
| Total risk-based capital ratio | 13.4193% | 4,206 |
| Memoranda: | ||
| Average total assets | $2,824,989,000 | 333 |
| Average earning assets | $2,604,910,000 | 328 |
| Average equity | $230,611,000 | 422 |
| Average total loans | $1,495,949,670 | 409 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 4,400 |
| Cost of funding earning assets | 0.9728% | 1,688 |
| Net interest margin | 3.0119% | 4,734 |
| Noninterest income to average assets | 0.6643% | 1,757 |
| Noninterest expense to average assets | 3.2398% | 1,407 |
| Loan and lease loss provision to assets | 0.0433% | 2,772 |
| Net operating income to assets | 0.1448% | 5,058 |
| Return on assets (ROA) | 0.1829% | 5,030 |
| Pretax return on assets | 0.2226% | 5,017 |
| Return on Equity (ROE) | 2.2790% | 4,929 |
| Retained earnings to average equity (ytd only) | 2.2790% | 3,988 |
| Net charge-offs to loans | 0.2747% | 538 |
| Credit loss provision to net charge-offs | 29.5567% | 2,089 |
| Earnings coverage of net charge-offs (x) | 1.4975% | 2,589 |
| Efficiency ratio | 93.6574% | 284 |
| Assets per employee ($millions) | 5.2084% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5292% | 5,048 |
| Loan loss allowance to noncurrent loans | 73.9978% | 3,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5994% | 2,274 |
| Noncurrent loans to loans | 0.7152% | 2,235 |
| Net loans and leases to total assets | 53.0920% | 4,266 |
| Net loans and leases to deposits | 59.2371% | 4,455 |
| Net loans and leases to core deposits | 62.4348% | 4,451 |
| Total domestic deposits to total assets | 89.6263% | 588 |
| Equity capital to assets | 8.0051% | 5,179 |
| Core capital (leverage) ratio | 8.0480% | 5,195 |
| Tier 1 risk-based capital ratio | 12.2495% | 4,323 |
| Total risk-based capital ratio | 12.6807% | 4,681 |
| Memoranda: | ||
| Average total assets | $2,771,146,000 | 340 |
| Average earning assets | $2,571,545,000 | 335 |
| Average equity | $222,378,500 | 434 |
| Average total loans | $1,477,858,500 | 415 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8945% | 4,286 |
| Cost of funding earning assets | 0.6597% | 2,325 |
| Net interest margin | 3.2349% | 4,418 |
| Noninterest income to average assets | 0.7698% | 1,568 |
| Noninterest expense to average assets | 3.0948% | 1,813 |
| Loan and lease loss provision to assets | 0.0904% | 2,338 |
| Net operating income to assets | 0.4888% | 4,686 |
| Return on assets (ROA) | 0.4868% | 4,686 |
| Pretax return on assets | 0.6132% | 4,612 |
| Return on Equity (ROE) | 6.0155% | 4,173 |
| Retained earnings to average equity (ytd only) | 6.0155% | 2,187 |
| Net charge-offs to loans | 0.1700% | 1,128 |
| Credit loss provision to net charge-offs | 100.7005% | 2,499 |
| Earnings coverage of net charge-offs (x) | 7.8682% | 2,947 |
| Efficiency ratio | 81.4198% | 851 |
| Assets per employee ($millions) | 5.4689% | 1,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5889% | 4,989 |
| Loan loss allowance to noncurrent loans | 83.3092% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.6033% | 2,228 |
| Noncurrent loans to loans | 0.7069% | 2,222 |
| Net loans and leases to total assets | 52.9714% | 4,352 |
| Net loans and leases to deposits | 60.0690% | 4,471 |
| Net loans and leases to core deposits | 63.2463% | 4,486 |
| Total domestic deposits to total assets | 88.1842% | 1,218 |
| Equity capital to assets | 8.0449% | 5,147 |
| Core capital (leverage) ratio | 8.2070% | 5,170 |
| Tier 1 risk-based capital ratio | 12.7679% | 3,982 |
| Total risk-based capital ratio | 13.2612% | 4,315 |
| Memoranda: | ||
| Average total assets | $2,544,599,400 | 355 |
| Average earning assets | $2,384,399,000 | 345 |
| Average equity | $205,902,200 | 440 |
| Average total loans | $1,343,187,600 | 432 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8412% | 4,336 |
| Cost of funding earning assets | 0.6011% | 2,468 |
| Net interest margin | 3.2401% | 4,431 |
| Noninterest income to average assets | 0.7950% | 1,487 |
| Noninterest expense to average assets | 3.2113% | 1,496 |
| Loan and lease loss provision to assets | 0.0909% | 2,160 |
| Net operating income to assets | 0.4205% | 4,912 |
| Return on assets (ROA) | 0.4205% | 4,919 |
| Pretax return on assets | 0.5286% | 4,858 |
| Return on Equity (ROE) | 5.1878% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.1878% | 3,120 |
| Net charge-offs to loans | 0.2249% | 758 |
| Credit loss provision to net charge-offs | 76.7494% | 2,564 |
| Earnings coverage of net charge-offs (x) | 5.2330% | 2,974 |
| Efficiency ratio | 83.8270% | 650 |
| Assets per employee ($millions) | 5.4201% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5727% | 5,084 |
| Loan loss allowance to noncurrent loans | 59.9748% | 4,208 |
| Noncurrent assets plus other real estate owned to assets | 0.7639% | 1,943 |
| Noncurrent loans to loans | 0.9549% | 1,783 |
| Net loans and leases to total assets | 52.9555% | 4,426 |
| Net loans and leases to deposits | 57.7288% | 4,661 |
| Net loans and leases to core deposits | 60.0868% | 4,698 |
| Total domestic deposits to total assets | 91.7315% | 104 |
| Equity capital to assets | 7.9108% | 5,206 |
| Core capital (leverage) ratio | 8.4738% | 5,107 |
| Tier 1 risk-based capital ratio | 12.9632% | 3,932 |
| Total risk-based capital ratio | 13.4430% | 4,279 |
| Memoranda: | ||
| Average total assets | $2,494,400,250 | 359 |
| Average earning assets | $2,337,089,000 | 351 |
| Average equity | $202,161,750 | 442 |
| Average total loans | $1,313,262,250 | 441 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 4,337 |
| Cost of funding earning assets | 0.5456% | 2,646 |
| Net interest margin | 3.2607% | 4,358 |
| Noninterest income to average assets | 0.8176% | 1,422 |
| Noninterest expense to average assets | 3.2574% | 1,419 |
| Loan and lease loss provision to assets | 0.0983% | 1,970 |
| Net operating income to assets | 0.4206% | 4,919 |
| Return on assets (ROA) | 0.4206% | 4,924 |
| Pretax return on assets | 0.5160% | 4,876 |
| Return on Equity (ROE) | 5.1448% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.1448% | 3,000 |
| Net charge-offs to loans | 0.3488% | 456 |
| Credit loss provision to net charge-offs | 53.7394% | 2,475 |
| Earnings coverage of net charge-offs (x) | 3.3596% | 2,882 |
| Efficiency ratio | 84.1332% | 679 |
| Assets per employee ($millions) | 5.4178% | 1,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5576% | 5,183 |
| Loan loss allowance to noncurrent loans | 53.6406% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 0.8115% | 1,843 |
| Noncurrent loans to loans | 1.0395% | 1,688 |
| Net loans and leases to total assets | 52.9895% | 4,412 |
| Net loans and leases to deposits | 62.3204% | 4,404 |
| Net loans and leases to core deposits | 65.1524% | 4,419 |
| Total domestic deposits to total assets | 85.0274% | 2,661 |
| Equity capital to assets | 8.2239% | 5,117 |
| Core capital (leverage) ratio | 8.5985% | 5,039 |
| Tier 1 risk-based capital ratio | 13.1951% | 3,794 |
| Total risk-based capital ratio | 13.6599% | 4,135 |
| Memoranda: | ||
| Average total assets | $2,442,394,000 | 364 |
| Average earning assets | $2,287,667,330 | 354 |
| Average equity | $199,659,000 | 445 |
| Average total loans | $1,280,474,000 | 450 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,340 |
| Cost of funding earning assets | 0.4802% | 2,958 |
| Net interest margin | 3.2760% | 4,249 |
| Noninterest income to average assets | 0.7373% | 1,670 |
| Noninterest expense to average assets | 3.2764% | 1,392 |
| Loan and lease loss provision to assets | 0.0669% | 2,432 |
| Net operating income to assets | 0.3785% | 4,968 |
| Return on assets (ROA) | 0.3785% | 4,972 |
| Pretax return on assets | 0.4623% | 4,942 |
| Return on Equity (ROE) | 4.6452% | 4,595 |
| Retained earnings to average equity (ytd only) | 4.6452% | 3,340 |
| Net charge-offs to loans | 0.7564% | 191 |
| Credit loss provision to net charge-offs | 17.0285% | 2,142 |
| Earnings coverage of net charge-offs (x) | 1.3465% | 2,569 |
| Efficiency ratio | 86.0924% | 641 |
| Assets per employee ($millions) | 5.2785% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5209% | 5,301 |
| Loan loss allowance to noncurrent loans | 47.0563% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 0.8559% | 1,846 |
| Noncurrent loans to loans | 1.1070% | 1,656 |
| Net loans and leases to total assets | 51.5166% | 4,466 |
| Net loans and leases to deposits | 58.9488% | 4,541 |
| Net loans and leases to core deposits | 61.6746% | 4,572 |
| Total domestic deposits to total assets | 87.3920% | 1,957 |
| Equity capital to assets | 8.4505% | 5,012 |
| Core capital (leverage) ratio | 8.7818% | 4,913 |
| Tier 1 risk-based capital ratio | 13.5558% | 3,629 |
| Total risk-based capital ratio | 13.9807% | 3,993 |
| Memoranda: | ||
| Average total assets | $2,390,401,000 | 373 |
| Average earning assets | $2,238,967,500 | 362 |
| Average equity | $194,783,000 | 461 |
| Average total loans | $1,242,271,500 | 463 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 4,338 |
| Cost of funding earning assets | 0.3900% | 3,333 |
| Net interest margin | 3.3098% | 4,127 |
| Noninterest income to average assets | 0.9326% | 1,179 |
| Noninterest expense to average assets | 3.5608% | 944 |
| Loan and lease loss provision to assets | 0.0434% | 3,374 |
| Net operating income to assets | 0.5183% | 4,331 |
| Return on assets (ROA) | 0.5112% | 4,380 |
| Pretax return on assets | 0.4145% | 5,071 |
| Return on Equity (ROE) | 6.0029% | 3,761 |
| Retained earnings to average equity (ytd only) | 6.0029% | 1,540 |
| Net charge-offs to loans | 0.1327% | 1,726 |
| Credit loss provision to net charge-offs | 61.8132% | 3,197 |
| Earnings coverage of net charge-offs (x) | 6.6236% | 3,159 |
| Efficiency ratio | 88.3768% | 508 |
| Assets per employee ($millions) | 5.1691% | 2,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7119% | 5,045 |
| Loan loss allowance to noncurrent loans | 57.9252% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 0.9419% | 1,648 |
| Noncurrent loans to loans | 1.2289% | 1,438 |
| Net loans and leases to total assets | 51.7925% | 4,532 |
| Net loans and leases to deposits | 56.4670% | 4,777 |
| Net loans and leases to core deposits | 58.5603% | 4,827 |
| Total domestic deposits to total assets | 91.7217% | 107 |
| Equity capital to assets | 7.8271% | 5,449 |
| Core capital (leverage) ratio | 7.9147% | 5,475 |
| Tier 1 risk-based capital ratio | 11.9975% | 4,526 |
| Total risk-based capital ratio | 12.5735% | 4,843 |
| Memoranda: | ||
| Average total assets | $2,074,083,200 | 396 |
| Average earning assets | $1,938,299,200 | 386 |
| Average equity | $176,630,800 | 477 |
| Average total loans | $1,097,085,800 | 496 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 4,366 |
| Cost of funding earning assets | 0.3774% | 3,402 |
| Net interest margin | 3.3075% | 4,148 |
| Noninterest income to average assets | 0.9618% | 1,115 |
| Noninterest expense to average assets | 3.4840% | 1,018 |
| Loan and lease loss provision to assets | 0.0331% | 3,463 |
| Net operating income to assets | 0.4947% | 4,742 |
| Return on assets (ROA) | 0.4910% | 4,791 |
| Pretax return on assets | 0.5330% | 4,967 |
| Return on Equity (ROE) | 5.6349% | 4,278 |
| Retained earnings to average equity (ytd only) | 5.6349% | 2,466 |
| Net charge-offs to loans | 0.1742% | 1,201 |
| Credit loss provision to net charge-offs | 35.7910% | 3,032 |
| Earnings coverage of net charge-offs (x) | 6.1639% | 3,012 |
| Efficiency ratio | 85.8368% | 642 |
| Assets per employee ($millions) | 4.7770% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7262% | 5,082 |
| Loan loss allowance to noncurrent loans | 60.0582% | 4,347 |
| Noncurrent assets plus other real estate owned to assets | 1.0733% | 1,557 |
| Noncurrent loans to loans | 1.2092% | 1,575 |
| Net loans and leases to total assets | 52.8661% | 4,504 |
| Net loans and leases to deposits | 57.9955% | 4,753 |
| Net loans and leases to core deposits | 60.1528% | 4,809 |
| Total domestic deposits to total assets | 91.1555% | 151 |
| Equity capital to assets | 8.4335% | 5,323 |
| Core capital (leverage) ratio | 8.5881% | 5,180 |
| Tier 1 risk-based capital ratio | 12.4289% | 4,365 |
| Total risk-based capital ratio | 13.0112% | 4,666 |
| Memoranda: | ||
| Average total assets | $2,013,669,000 | 408 |
| Average earning assets | $1,882,651,250 | 399 |
| Average equity | $175,474,500 | 483 |
| Average total loans | $1,069,362,750 | 505 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 4,323 |
| Cost of funding earning assets | 0.3715% | 3,368 |
| Net interest margin | 3.2963% | 4,119 |
| Noninterest income to average assets | 0.9147% | 1,231 |
| Noninterest expense to average assets | 3.4301% | 1,108 |
| Loan and lease loss provision to assets | 0.0507% | 2,973 |
| Net operating income to assets | 0.4769% | 4,767 |
| Return on assets (ROA) | 0.4712% | 4,812 |
| Pretax return on assets | 0.5108% | 4,988 |
| Return on Equity (ROE) | 5.3456% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.3456% | 2,502 |
| Net charge-offs to loans | 0.0384% | 2,434 |
| Credit loss provision to net charge-offs | 248.7562% | 1,085 |
| Earnings coverage of net charge-offs (x) | 27.8607% | 1,525 |
| Efficiency ratio | 85.6694% | 719 |
| Assets per employee ($millions) | 4.9698% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8625% | 4,779 |
| Loan loss allowance to noncurrent loans | 50.2525% | 4,575 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 1,122 |
| Noncurrent loans to loans | 1.7164% | 1,059 |
| Net loans and leases to total assets | 53.3273% | 4,453 |
| Net loans and leases to deposits | 60.5708% | 4,587 |
| Net loans and leases to core deposits | 62.6148% | 4,689 |
| Total domestic deposits to total assets | 88.0412% | 1,436 |
| Equity capital to assets | 8.7010% | 5,142 |
| Core capital (leverage) ratio | 8.7648% | 4,987 |
| Tier 1 risk-based capital ratio | 12.5217% | 4,294 |
| Total risk-based capital ratio | 13.2035% | 4,552 |
| Memoranda: | ||
| Average total assets | $1,973,120,000 | 416 |
| Average earning assets | $1,845,467,330 | 405 |
| Average equity | $173,938,670 | 484 |
| Average total loans | $1,046,778,330 | 515 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5951% | 4,436 |
| Cost of funding earning assets | 0.3672% | 3,347 |
| Net interest margin | 3.2279% | 4,251 |
| Noninterest income to average assets | 0.8604% | 1,362 |
| Noninterest expense to average assets | 3.4115% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4408% | 4,811 |
| Return on assets (ROA) | 0.4408% | 4,834 |
| Pretax return on assets | 0.4730% | 5,016 |
| Return on Equity (ROE) | 4.9669% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.9669% | 2,918 |
| Net charge-offs to loans | -0.0102% | 4,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6857% | 683 |
| Assets per employee ($millions) | 5.1255% | 2,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8733% | 4,851 |
| Loan loss allowance to noncurrent loans | 49.5494% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 1.4504% | 1,134 |
| Noncurrent loans to loans | 1.7626% | 1,076 |
| Net loans and leases to total assets | 53.0829% | 4,415 |
| Net loans and leases to deposits | 58.4894% | 4,667 |
| Net loans and leases to core deposits | 60.3638% | 4,754 |
| Total domestic deposits to total assets | 90.7565% | 377 |
| Equity capital to assets | 8.8461% | 4,958 |
| Core capital (leverage) ratio | 8.8250% | 4,931 |
| Tier 1 risk-based capital ratio | 12.7247% | 4,243 |
| Total risk-based capital ratio | 13.4077% | 4,511 |
| Memoranda: | ||
| Average total assets | $1,940,873,500 | 423 |
| Average earning assets | $1,818,257,000 | 414 |
| Average equity | $172,262,000 | 485 |
| Average total loans | $1,022,139,000 | 526 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6203% | 4,463 |
| Cost of funding earning assets | 0.3753% | 3,260 |
| Net interest margin | 3.2451% | 4,313 |
| Noninterest income to average assets | 0.8383% | 1,626 |
| Noninterest expense to average assets | 3.4036% | 1,348 |
| Loan and lease loss provision to assets | 0.0957% | 2,450 |
| Net operating income to assets | 0.3408% | 5,105 |
| Return on assets (ROA) | 0.3775% | 5,094 |
| Pretax return on assets | 0.4098% | 5,213 |
| Return on Equity (ROE) | 4.3847% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.3847% | 2,791 |
| Net charge-offs to loans | 0.1180% | 2,075 |
| Credit loss provision to net charge-offs | 140.9050% | 1,943 |
| Earnings coverage of net charge-offs (x) | 6.8561% | 3,113 |
| Efficiency ratio | 87.8983% | 687 |
| Assets per employee ($millions) | 6.2702% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 4,688 |
| Loan loss allowance to noncurrent loans | 48.4468% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 1.5152% | 1,087 |
| Noncurrent loans to loans | 1.9030% | 971 |
| Net loans and leases to total assets | 51.2795% | 4,666 |
| Net loans and leases to deposits | 56.5751% | 4,880 |
| Net loans and leases to core deposits | 58.4598% | 4,936 |
| Total domestic deposits to total assets | 90.6397% | 406 |
| Equity capital to assets | 8.9056% | 4,902 |
| Core capital (leverage) ratio | 9.2034% | 4,473 |
| Tier 1 risk-based capital ratio | 13.2205% | 3,940 |
| Total risk-based capital ratio | 13.9329% | 4,161 |
| Memoranda: | ||
| Average total assets | $1,627,159,600 | 472 |
| Average earning assets | $1,519,751,000 | 460 |
| Average equity | $140,079,400 | 566 |
| Average total loans | $936,611,200 | 543 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6968% | 4,260 |
| Cost of funding earning assets | 0.3727% | 3,304 |
| Net interest margin | 3.3241% | 4,115 |
| Noninterest income to average assets | 0.8212% | 1,683 |
| Noninterest expense to average assets | 3.4365% | 1,272 |
| Loan and lease loss provision to assets | 0.1336% | 1,758 |
| Net operating income to assets | 0.3215% | 5,240 |
| Return on assets (ROA) | 0.3721% | 5,194 |
| Pretax return on assets | 0.4073% | 5,294 |
| Return on Equity (ROE) | 4.3691% | 4,774 |
| Retained earnings to average equity (ytd only) | 4.3691% | 3,225 |
| Net charge-offs to loans | 0.1166% | 1,785 |
| Credit loss provision to net charge-offs | 192.9368% | 1,473 |
| Earnings coverage of net charge-offs (x) | 7.0087% | 2,935 |
| Efficiency ratio | 87.5910% | 701 |
| Assets per employee ($millions) | 5.6496% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9693% | 4,568 |
| Loan loss allowance to noncurrent loans | 48.5018% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 1.7215% | 984 |
| Noncurrent loans to loans | 1.9984% | 987 |
| Net loans and leases to total assets | 55.8662% | 4,320 |
| Net loans and leases to deposits | 60.9766% | 4,690 |
| Net loans and leases to core deposits | 63.4711% | 4,752 |
| Total domestic deposits to total assets | 91.6191% | 107 |
| Equity capital to assets | 7.8108% | 5,793 |
| Core capital (leverage) ratio | 7.7808% | 5,765 |
| Tier 1 risk-based capital ratio | 10.7234% | 5,511 |
| Total risk-based capital ratio | 11.5139% | 5,647 |
| Memoranda: | ||
| Average total assets | $1,554,283,000 | 494 |
| Average earning assets | $1,449,732,750 | 477 |
| Average equity | $132,382,250 | 608 |
| Average total loans | $922,504,750 | 549 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7841% | 4,010 |
| Cost of funding earning assets | 0.3597% | 3,456 |
| Net interest margin | 3.4245% | 3,779 |
| Noninterest income to average assets | 0.5799% | 2,725 |
| Noninterest expense to average assets | 3.3370% | 1,513 |
| Loan and lease loss provision to assets | 0.1270% | 1,794 |
| Net operating income to assets | 0.2812% | 5,367 |
| Return on assets (ROA) | 0.3601% | 5,243 |
| Pretax return on assets | 0.3974% | 5,347 |
| Return on Equity (ROE) | 4.0974% | 4,873 |
| Retained earnings to average equity (ytd only) | 4.0974% | 3,295 |
| Net charge-offs to loans | 0.1971% | 1,162 |
| Credit loss provision to net charge-offs | 106.5022% | 2,009 |
| Earnings coverage of net charge-offs (x) | 3.6704% | 3,078 |
| Efficiency ratio | 88.4053% | 691 |
| Assets per employee ($millions) | 5.1696% | 2,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 4,815 |
| Loan loss allowance to noncurrent loans | 46.4972% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.9544% | 844 |
| Noncurrent loans to loans | 2.0147% | 989 |
| Net loans and leases to total assets | 58.7593% | 4,045 |
| Net loans and leases to deposits | 64.5123% | 4,456 |
| Net loans and leases to core deposits | 67.4733% | 4,513 |
| Total domestic deposits to total assets | 91.0823% | 178 |
| Equity capital to assets | 8.4893% | 5,601 |
| Core capital (leverage) ratio | 8.5404% | 5,329 |
| Tier 1 risk-based capital ratio | 11.3515% | 5,245 |
| Total risk-based capital ratio | 12.1081% | 5,419 |
| Memoranda: | ||
| Average total assets | $1,496,118,000 | 511 |
| Average earning assets | $1,395,771,000 | 497 |
| Average equity | $131,499,330 | 613 |
| Average total loans | $904,921,000 | 557 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8217% | 3,867 |
| Cost of funding earning assets | 0.3496% | 3,602 |
| Net interest margin | 3.4721% | 3,580 |
| Noninterest income to average assets | 0.5209% | 2,982 |
| Noninterest expense to average assets | 3.3471% | 1,489 |
| Loan and lease loss provision to assets | 0.0824% | 2,306 |
| Net operating income to assets | 0.3027% | 5,298 |
| Return on assets (ROA) | 0.3764% | 5,141 |
| Pretax return on assets | 0.4116% | 5,287 |
| Return on Equity (ROE) | 4.2050% | 4,815 |
| Retained earnings to average equity (ytd only) | 4.2050% | 3,374 |
| Net charge-offs to loans | -0.0117% | 4,596 |
| Credit loss provision to net charge-offs | -1,153.8462% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0172% | 746 |
| Assets per employee ($millions) | 4.9742% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 4,601 |
| Loan loss allowance to noncurrent loans | 45.4724% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.1152% | 800 |
| Noncurrent loans to loans | 2.2035% | 927 |
| Net loans and leases to total assets | 60.3835% | 3,720 |
| Net loans and leases to deposits | 66.5994% | 4,196 |
| Net loans and leases to core deposits | 68.3695% | 4,366 |
| Total domestic deposits to total assets | 90.6668% | 375 |
| Equity capital to assets | 8.9344% | 5,236 |
| Core capital (leverage) ratio | 8.9664% | 4,903 |
| Tier 1 risk-based capital ratio | 11.6751% | 5,118 |
| Total risk-based capital ratio | 12.4851% | 5,284 |
| Memoranda: | ||
| Average total assets | $1,455,808,500 | 518 |
| Average earning assets | $1,358,139,500 | 508 |
| Average equity | $130,322,000 | 614 |
| Average total loans | $889,761,000 | 561 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7501% | 4,193 |
| Cost of funding earning assets | 0.3490% | 3,709 |
| Net interest margin | 3.4011% | 3,911 |
| Noninterest income to average assets | 0.7170% | 2,120 |
| Noninterest expense to average assets | 3.5527% | 1,208 |
| Loan and lease loss provision to assets | 0.0382% | 3,576 |
| Net operating income to assets | 0.2609% | 5,457 |
| Return on assets (ROA) | 0.2678% | 5,523 |
| Pretax return on assets | 0.3100% | 5,504 |
| Return on Equity (ROE) | 2.8379% | 5,357 |
| Retained earnings to average equity (ytd only) | 2.8379% | 4,052 |
| Net charge-offs to loans | 0.4037% | 706 |
| Credit loss provision to net charge-offs | 15.0015% | 3,784 |
| Earnings coverage of net charge-offs (x) | 1.3363% | 4,106 |
| Efficiency ratio | 91.2620% | 614 |
| Assets per employee ($millions) | 5.1779% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 4,666 |
| Loan loss allowance to noncurrent loans | 68.9510% | 4,410 |
| Noncurrent assets plus other real estate owned to assets | 1.6688% | 1,170 |
| Noncurrent loans to loans | 1.4369% | 1,622 |
| Net loans and leases to total assets | 60.6382% | 3,749 |
| Net loans and leases to deposits | 69.4920% | 3,971 |
| Net loans and leases to core deposits | 71.4623% | 4,182 |
| Total domestic deposits to total assets | 87.2593% | 2,009 |
| Equity capital to assets | 8.9698% | 5,153 |
| Core capital (leverage) ratio | 9.2219% | 4,581 |
| Tier 1 risk-based capital ratio | 11.8574% | 5,041 |
| Total risk-based capital ratio | 12.6520% | 5,210 |
| Memoranda: | ||
| Average total assets | $1,309,395,000 | 547 |
| Average earning assets | $1,222,691,000 | 536 |
| Average equity | $123,575,400 | 620 |
| Average total loans | $825,596,400 | 569 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7236% | 4,352 |
| Cost of funding earning assets | 0.3495% | 3,759 |
| Net interest margin | 3.3741% | 4,063 |
| Noninterest income to average assets | 0.5011% | 3,353 |
| Noninterest expense to average assets | 3.3614% | 1,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2485% | 5,580 |
| Return on assets (ROA) | 0.2547% | 5,644 |
| Pretax return on assets | 0.2978% | 5,642 |
| Return on Equity (ROE) | 2.6621% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.6621% | 4,520 |
| Net charge-offs to loans | 0.5273% | 446 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.8668% | 3,901 |
| Efficiency ratio | 92.0449% | 569 |
| Assets per employee ($millions) | 4.9668% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 4,822 |
| Loan loss allowance to noncurrent loans | 54.6990% | 4,821 |
| Noncurrent assets plus other real estate owned to assets | 2.1071% | 937 |
| Noncurrent loans to loans | 1.7989% | 1,319 |
| Net loans and leases to total assets | 60.8754% | 3,752 |
| Net loans and leases to deposits | 67.2015% | 4,265 |
| Net loans and leases to core deposits | 69.2750% | 4,443 |
| Total domestic deposits to total assets | 90.5864% | 367 |
| Equity capital to assets | 8.9618% | 5,343 |
| Core capital (leverage) ratio | 9.2984% | 4,588 |
| Tier 1 risk-based capital ratio | 11.8118% | 5,192 |
| Total risk-based capital ratio | 12.6132% | 5,361 |
| Memoranda: | ||
| Average total assets | $1,278,175,000 | 563 |
| Average earning assets | $1,193,580,500 | 543 |
| Average equity | $122,306,250 | 630 |
| Average total loans | $812,390,000 | 578 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7625% | 4,199 |
| Cost of funding earning assets | 0.3489% | 3,818 |
| Net interest margin | 3.4136% | 3,861 |
| Noninterest income to average assets | 0.5369% | 3,125 |
| Noninterest expense to average assets | 3.4285% | 1,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2537% | 5,571 |
| Return on assets (ROA) | 0.2545% | 5,651 |
| Pretax return on assets | 0.2986% | 5,664 |
| Return on Equity (ROE) | 2.5989% | 5,533 |
| Retained earnings to average equity (ytd only) | 2.5989% | 4,405 |
| Net charge-offs to loans | 0.7833% | 282 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.5908% | 3,640 |
| Efficiency ratio | 92.0110% | 637 |
| Assets per employee ($millions) | 4.7474% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 4,784 |
| Loan loss allowance to noncurrent loans | 51.7341% | 4,937 |
| Noncurrent assets plus other real estate owned to assets | 2.3190% | 862 |
| Noncurrent loans to loans | 1.9644% | 1,256 |
| Net loans and leases to total assets | 64.5286% | 3,189 |
| Net loans and leases to deposits | 71.8236% | 3,737 |
| Net loans and leases to core deposits | 74.3095% | 3,933 |
| Total domestic deposits to total assets | 89.8431% | 731 |
| Equity capital to assets | 9.6367% | 4,487 |
| Core capital (leverage) ratio | 9.6296% | 4,101 |
| Tier 1 risk-based capital ratio | 11.8425% | 5,250 |
| Total risk-based capital ratio | 12.6592% | 5,452 |
| Memoranda: | ||
| Average total assets | $1,245,632,330 | 570 |
| Average earning assets | $1,163,758,000 | 554 |
| Average equity | $121,976,000 | 630 |
| Average total loans | $801,237,000 | 585 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7636% | 4,154 |
| Cost of funding earning assets | 0.3521% | 3,835 |
| Net interest margin | 3.4116% | 3,797 |
| Noninterest income to average assets | 0.4701% | 3,502 |
| Noninterest expense to average assets | 3.3700% | 1,553 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2526% | 5,557 |
| Return on assets (ROA) | 0.2517% | 5,651 |
| Pretax return on assets | 0.2948% | 5,659 |
| Return on Equity (ROE) | 2.5499% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.5499% | 4,412 |
| Net charge-offs to loans | 0.3002% | 789 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.5422% | 2,907 |
| Efficiency ratio | 91.9311% | 719 |
| Assets per employee ($millions) | 4.9774% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3788% | 3,022 |
| Loan loss allowance to noncurrent loans | 43.8286% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 2.2868% | 986 |
| Noncurrent loans to loans | 3.1458% | 659 |
| Net loans and leases to total assets | 62.1629% | 3,342 |
| Net loans and leases to deposits | 69.2366% | 3,835 |
| Net loans and leases to core deposits | 71.5509% | 4,007 |
| Total domestic deposits to total assets | 89.7834% | 852 |
| Equity capital to assets | 9.7276% | 4,465 |
| Core capital (leverage) ratio | 9.8824% | 3,781 |
| Tier 1 risk-based capital ratio | 12.2286% | 5,089 |
| Total risk-based capital ratio | 13.3348% | 5,089 |
| Memoranda: | ||
| Average total assets | $1,234,666,500 | 570 |
| Average earning assets | $1,156,540,000 | 557 |
| Average equity | $121,888,500 | 627 |
| Average total loans | $788,686,000 | 587 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 3,349 |
| Cost of funding earning assets | 0.3536% | 4,217 |
| Net interest margin | 3.7408% | 2,843 |
| Noninterest income to average assets | 0.6624% | 2,492 |
| Noninterest expense to average assets | 3.7672% | 1,039 |
| Loan and lease loss provision to assets | 0.0845% | 2,788 |
| Net operating income to assets | 0.2834% | 5,556 |
| Return on assets (ROA) | 0.3208% | 5,535 |
| Pretax return on assets | 0.3657% | 5,572 |
| Return on Equity (ROE) | 3.3866% | 5,337 |
| Retained earnings to average equity (ytd only) | 3.3866% | 3,804 |
| Net charge-offs to loans | 0.2234% | 1,876 |
| Credit loss provision to net charge-offs | 55.3165% | 3,371 |
| Earnings coverage of net charge-offs (x) | 2.6687% | 4,093 |
| Efficiency ratio | 90.2337% | 829 |
| Assets per employee ($millions) | 5.1491% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 2,597 |
| Loan loss allowance to noncurrent loans | 53.8060% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 2.0789% | 1,197 |
| Noncurrent loans to loans | 2.7360% | 888 |
| Net loans and leases to total assets | 63.8060% | 3,253 |
| Net loans and leases to deposits | 71.3681% | 3,751 |
| Net loans and leases to core deposits | 73.8818% | 3,927 |
| Total domestic deposits to total assets | 89.4042% | 1,014 |
| Equity capital to assets | 10.0226% | 4,085 |
| Core capital (leverage) ratio | 10.3730% | 3,086 |
| Tier 1 risk-based capital ratio | 12.8146% | 4,849 |
| Total risk-based capital ratio | 14.0371% | 4,775 |
| Memoranda: | ||
| Average total assets | $1,064,905,800 | 631 |
| Average earning assets | $999,931,000 | 606 |
| Average equity | $100,867,600 | 729 |
| Average total loans | $728,136,800 | 598 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1377% | 3,220 |
| Cost of funding earning assets | 0.3548% | 4,289 |
| Net interest margin | 3.7829% | 2,677 |
| Noninterest income to average assets | 0.6275% | 2,701 |
| Noninterest expense to average assets | 3.8156% | 951 |
| Loan and lease loss provision to assets | 0.0778% | 2,787 |
| Net operating income to assets | 0.2485% | 5,738 |
| Return on assets (ROA) | 0.3001% | 5,655 |
| Pretax return on assets | 0.3419% | 5,692 |
| Return on Equity (ROE) | 3.2231% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.2231% | 4,340 |
| Net charge-offs to loans | 0.1208% | 2,602 |
| Credit loss provision to net charge-offs | 92.7357% | 2,383 |
| Earnings coverage of net charge-offs (x) | 4.3060% | 3,489 |
| Efficiency ratio | 91.3540% | 748 |
| Assets per employee ($millions) | 4.8547% | 2,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 2,226 |
| Loan loss allowance to noncurrent loans | 52.7120% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 2.3928% | 1,129 |
| Noncurrent loans to loans | 3.0784% | 854 |
| Net loans and leases to total assets | 65.7561% | 2,911 |
| Net loans and leases to deposits | 73.3255% | 3,515 |
| Net loans and leases to core deposits | 76.1859% | 3,720 |
| Total domestic deposits to total assets | 89.6769% | 887 |
| Equity capital to assets | 9.7598% | 4,472 |
| Core capital (leverage) ratio | 10.0262% | 3,643 |
| Tier 1 risk-based capital ratio | 12.1119% | 5,418 |
| Total risk-based capital ratio | 13.3631% | 5,337 |
| Memoranda: | ||
| Average total assets | $1,028,621,750 | 653 |
| Average earning assets | $965,086,250 | 630 |
| Average equity | $95,765,000 | 766 |
| Average total loans | $714,267,000 | 608 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1615% | 3,097 |
| Cost of funding earning assets | 0.3536% | 4,399 |
| Net interest margin | 3.8079% | 2,543 |
| Noninterest income to average assets | 0.7403% | 2,091 |
| Noninterest expense to average assets | 3.9435% | 811 |
| Loan and lease loss provision to assets | 0.0602% | 3,067 |
| Net operating income to assets | 0.2739% | 5,650 |
| Return on assets (ROA) | 0.3556% | 5,457 |
| Pretax return on assets | 0.3950% | 5,577 |
| Return on Equity (ROE) | 3.8904% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.8904% | 3,704 |
| Net charge-offs to loans | 0.1426% | 2,249 |
| Credit loss provision to net charge-offs | 60.0000% | 2,640 |
| Earnings coverage of net charge-offs (x) | 3.6300% | 3,252 |
| Efficiency ratio | 91.5404% | 794 |
| Assets per employee ($millions) | 4.5726% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 2,200 |
| Loan loss allowance to noncurrent loans | 44.8139% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 2.8802% | 901 |
| Noncurrent loans to loans | 3.7419% | 667 |
| Net loans and leases to total assets | 66.6727% | 2,644 |
| Net loans and leases to deposits | 74.8451% | 3,215 |
| Net loans and leases to core deposits | 76.9992% | 3,537 |
| Total domestic deposits to total assets | 89.0810% | 1,312 |
| Equity capital to assets | 10.3217% | 3,658 |
| Core capital (leverage) ratio | 10.5332% | 2,906 |
| Tier 1 risk-based capital ratio | 12.6728% | 5,104 |
| Total risk-based capital ratio | 13.9246% | 5,044 |
| Memoranda: | ||
| Average total assets | $996,064,670 | 671 |
| Average earning assets | $933,213,330 | 657 |
| Average equity | $91,045,330 | 806 |
| Average total loans | $701,415,330 | 615 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2970% | 2,533 |
| Cost of funding earning assets | 0.3454% | 4,583 |
| Net interest margin | 3.9516% | 1,925 |
| Noninterest income to average assets | 0.8053% | 1,730 |
| Noninterest expense to average assets | 4.0649% | 702 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4097% | 5,081 |
| Return on assets (ROA) | 0.4097% | 5,146 |
| Pretax return on assets | 0.4445% | 5,322 |
| Return on Equity (ROE) | 4.8253% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.8253% | 3,213 |
| Net charge-offs to loans | 0.1808% | 1,636 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 3.4217% | 2,687 |
| Efficiency ratio | 90.1418% | 1,023 |
| Assets per employee ($millions) | 4.2718% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 2,337 |
| Loan loss allowance to noncurrent loans | 115.1696% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 1.4512% | 2,447 |
| Noncurrent loans to loans | 1.4809% | 2,569 |
| Net loans and leases to total assets | 71.0207% | 1,720 |
| Net loans and leases to deposits | 78.2195% | 2,523 |
| Net loans and leases to core deposits | 80.5117% | 2,906 |
| Total domestic deposits to total assets | 90.7966% | 642 |
| Equity capital to assets | 8.5564% | 5,592 |
| Core capital (leverage) ratio | 8.7639% | 5,306 |
| Tier 1 risk-based capital ratio | 9.9179% | 6,496 |
| Total risk-based capital ratio | 11.1700% | 6,474 |
| Memoranda: | ||
| Average total assets | $963,672,500 | 702 |
| Average earning assets | $903,329,000 | 681 |
| Average equity | $81,819,000 | 900 |
| Average total loans | $692,443,000 | 626 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 3,065 |
| Cost of funding earning assets | 0.3941% | 4,717 |
| Net interest margin | 3.8772% | 2,383 |
| Noninterest income to average assets | 0.8532% | 1,859 |
| Noninterest expense to average assets | 4.2543% | 660 |
| Loan and lease loss provision to assets | 0.5228% | 530 |
| Net operating income to assets | -0.3470% | 6,439 |
| Return on assets (ROA) | -0.2725% | 6,422 |
| Pretax return on assets | -0.2244% | 6,372 |
| Return on Equity (ROE) | -2.9678% | 6,427 |
| Retained earnings to average equity (ytd only) | -5.1128% | 6,377 |
| Net charge-offs to loans | 0.3433% | 1,964 |
| Credit loss provision to net charge-offs | 222.8997% | 1,024 |
| Earnings coverage of net charge-offs (x) | 0.9544% | 4,764 |
| Efficiency ratio | 95.0017% | 699 |
| Assets per employee ($millions) | 4.2373% | 3,386 |
| Cash dividends to net income (ytd only)* | -72.2784% | 6,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7922% | 2,087 |
| Loan loss allowance to noncurrent loans | 117.6871% | 3,204 |
| Noncurrent assets plus other real estate owned to assets | 1.5120% | 2,456 |
| Noncurrent loans to loans | 1.5229% | 2,610 |
| Net loans and leases to total assets | 70.1706% | 1,985 |
| Net loans and leases to deposits | 77.2057% | 2,829 |
| Net loans and leases to core deposits | 79.4946% | 3,191 |
| Total domestic deposits to total assets | 90.8879% | 620 |
| Equity capital to assets | 8.4235% | 5,663 |
| Core capital (leverage) ratio | 8.4588% | 5,716 |
| Tier 1 risk-based capital ratio | 10.1239% | 6,481 |
| Total risk-based capital ratio | 11.3771% | 6,442 |
| Memoranda: | ||
| Average total assets | $944,009,000 | 701 |
| Average earning assets | $882,594,400 | 681 |
| Average equity | $86,664,200 | 817 |
| Average total loans | $644,978,800 | 653 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 3,135 |
| Cost of funding earning assets | 0.4023% | 4,800 |
| Net interest margin | 3.8641% | 2,400 |
| Noninterest income to average assets | 0.8597% | 1,896 |
| Noninterest expense to average assets | 4.2937% | 638 |
| Loan and lease loss provision to assets | 0.1666% | 2,175 |
| Net operating income to assets | 0.0011% | 6,295 |
| Return on assets (ROA) | 0.0649% | 6,253 |
| Pretax return on assets | 0.1069% | 6,204 |
| Return on Equity (ROE) | 0.6926% | 6,231 |
| Retained earnings to average equity (ytd only) | -0.4794% | 6,040 |
| Net charge-offs to loans | 0.4226% | 1,514 |
| Credit loss provision to net charge-offs | 58.3706% | 3,332 |
| Earnings coverage of net charge-offs (x) | 0.6085% | 4,653 |
| Efficiency ratio | 96.1131% | 615 |
| Assets per employee ($millions) | 4.4501% | 2,957 |
| Cash dividends to net income (ytd only)* | 169.2148% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3241% | 4,273 |
| Loan loss allowance to noncurrent loans | 116.1308% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4320% | 2,807 |
| Noncurrent loans to loans | 1.1402% | 3,523 |
| Net loans and leases to total assets | 69.0828% | 2,127 |
| Net loans and leases to deposits | 76.6576% | 2,865 |
| Net loans and leases to core deposits | 79.0374% | 3,222 |
| Total domestic deposits to total assets | 90.1187% | 928 |
| Equity capital to assets | 9.1371% | 5,009 |
| Core capital (leverage) ratio | 9.2649% | 4,729 |
| Tier 1 risk-based capital ratio | 11.0153% | 6,276 |
| Total risk-based capital ratio | 12.1177% | 6,302 |
| Memoranda: | ||
| Average total assets | $940,602,250 | 705 |
| Average earning assets | $878,186,500 | 684 |
| Average equity | $88,163,750 | 804 |
| Average total loans | $635,163,000 | 666 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 3,235 |
| Cost of funding earning assets | 0.4138% | 4,817 |
| Net interest margin | 3.8176% | 2,485 |
| Noninterest income to average assets | 0.9318% | 1,713 |
| Noninterest expense to average assets | 3.8812% | 1,002 |
| Loan and lease loss provision to assets | 0.1966% | 1,934 |
| Net operating income to assets | 0.3819% | 5,285 |
| Return on assets (ROA) | 0.5211% | 4,879 |
| Pretax return on assets | 0.5617% | 5,158 |
| Return on Equity (ROE) | 5.5130% | 4,452 |
| Retained earnings to average equity (ytd only) | 4.3888% | 3,476 |
| Net charge-offs to loans | 0.3616% | 1,758 |
| Credit loss provision to net charge-offs | 81.4978% | 2,599 |
| Earnings coverage of net charge-offs (x) | 2.5233% | 3,683 |
| Efficiency ratio | 86.4445% | 1,370 |
| Assets per employee ($millions) | 4.4460% | 2,901 |
| Cash dividends to net income (ytd only)* | 20.3915% | 2,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 3,752 |
| Loan loss allowance to noncurrent loans | 69.9550% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.1754% | 1,984 |
| Noncurrent loans to loans | 2.0909% | 2,288 |
| Net loans and leases to total assets | 68.6422% | 2,115 |
| Net loans and leases to deposits | 76.5017% | 2,802 |
| Net loans and leases to core deposits | 78.9056% | 3,181 |
| Total domestic deposits to total assets | 89.7264% | 1,191 |
| Equity capital to assets | 9.6306% | 4,413 |
| Core capital (leverage) ratio | 9.6311% | 4,033 |
| Tier 1 risk-based capital ratio | 11.6788% | 6,006 |
| Total risk-based capital ratio | 12.9031% | 5,977 |
| Memoranda: | ||
| Average total assets | $941,148,330 | 706 |
| Average earning assets | $877,158,330 | 682 |
| Average equity | $88,953,670 | 796 |
| Average total loans | $627,761,670 | 668 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1475% | 3,523 |
| Cost of funding earning assets | 0.4405% | 4,697 |
| Net interest margin | 3.7069% | 2,823 |
| Noninterest income to average assets | 0.6119% | 3,072 |
| Noninterest expense to average assets | 3.8000% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2341% | 5,776 |
| Return on assets (ROA) | 0.5087% | 4,759 |
| Pretax return on assets | 0.5477% | 5,121 |
| Return on Equity (ROE) | 5.4317% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.4317% | 2,988 |
| Net charge-offs to loans | 0.1214% | 2,693 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 3.1852% | 2,824 |
| Efficiency ratio | 93.7701% | 850 |
| Assets per employee ($millions) | 4.5892% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 3,868 |
| Loan loss allowance to noncurrent loans | 61.8789% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.5349% | 1,810 |
| Noncurrent loans to loans | 2.4096% | 2,153 |
| Net loans and leases to total assets | 66.9900% | 2,200 |
| Net loans and leases to deposits | 74.7357% | 2,809 |
| Net loans and leases to core deposits | 77.1544% | 3,186 |
| Total domestic deposits to total assets | 89.6359% | 1,268 |
| Equity capital to assets | 9.7255% | 4,523 |
| Core capital (leverage) ratio | 9.3022% | 4,394 |
| Tier 1 risk-based capital ratio | 11.6157% | 6,124 |
| Total risk-based capital ratio | 12.8492% | 6,102 |
| Memoranda: | ||
| Average total assets | $953,780,500 | 700 |
| Average earning assets | $885,261,500 | 682 |
| Average equity | $89,328,000 | 801 |
| Average total loans | $622,635,000 | 673 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2564% | 4,382 |
| Cost of funding earning assets | 0.5765% | 4,572 |
| Net interest margin | 3.6799% | 3,741 |
| Noninterest income to average assets | 0.7895% | 2,304 |
| Noninterest expense to average assets | 3.6424% | 1,516 |
| Loan and lease loss provision to assets | 0.1382% | 3,883 |
| Net operating income to assets | 0.3975% | 5,112 |
| Return on assets (ROA) | 0.4643% | 5,073 |
| Pretax return on assets | 0.5004% | 5,279 |
| Return on Equity (ROE) | 5.2587% | 4,560 |
| Retained earnings to average equity (ytd only) | 5.2587% | 2,532 |
| Net charge-offs to loans | 0.6338% | 1,852 |
| Credit loss provision to net charge-offs | 34.9922% | 5,023 |
| Earnings coverage of net charge-offs (x) | 1.4347% | 4,733 |
| Efficiency ratio | 86.5361% | 1,376 |
| Assets per employee ($millions) | 4.8055% | 2,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5441% | 3,550 |
| Loan loss allowance to noncurrent loans | 59.4591% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.5337% | 1,920 |
| Noncurrent loans to loans | 2.5968% | 2,038 |
| Net loans and leases to total assets | 61.7623% | 3,291 |
| Net loans and leases to deposits | 68.3680% | 3,929 |
| Net loans and leases to core deposits | 69.0843% | 4,423 |
| Total domestic deposits to total assets | 90.3380% | 778 |
| Equity capital to assets | 9.0287% | 5,493 |
| Core capital (leverage) ratio | 8.9603% | 4,962 |
| Tier 1 risk-based capital ratio | 11.4537% | 6,134 |
| Total risk-based capital ratio | 12.7039% | 6,098 |
| Memoranda: | ||
| Average total assets | $976,678,000 | 670 |
| Average earning assets | $907,602,400 | 654 |
| Average equity | $86,237,400 | 805 |
| Average total loans | $608,738,400 | 682 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2815% | 4,522 |
| Cost of funding earning assets | 0.6050% | 4,593 |
| Net interest margin | 3.6765% | 3,895 |
| Noninterest income to average assets | 0.6790% | 2,819 |
| Noninterest expense to average assets | 3.6089% | 1,542 |
| Loan and lease loss provision to assets | 0.0821% | 4,600 |
| Net operating income to assets | 0.3725% | 5,363 |
| Return on assets (ROA) | 0.4660% | 5,226 |
| Pretax return on assets | 0.5050% | 5,454 |
| Return on Equity (ROE) | 5.3076% | 4,685 |
| Retained earnings to average equity (ytd only) | 5.3076% | 3,151 |
| Net charge-offs to loans | 0.6270% | 1,750 |
| Credit loss provision to net charge-offs | 21.0379% | 4,938 |
| Earnings coverage of net charge-offs (x) | 1.2440% | 4,665 |
| Efficiency ratio | 88.1445% | 1,182 |
| Assets per employee ($millions) | 4.5668% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 3,651 |
| Loan loss allowance to noncurrent loans | 60.6612% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 2.4351% | 2,175 |
| Noncurrent loans to loans | 2.5874% | 2,208 |
| Net loans and leases to total assets | 63.7689% | 3,063 |
| Net loans and leases to deposits | 70.6763% | 3,805 |
| Net loans and leases to core deposits | 71.4747% | 4,321 |
| Total domestic deposits to total assets | 90.2266% | 711 |
| Equity capital to assets | 9.1161% | 5,691 |
| Core capital (leverage) ratio | 9.1301% | 4,867 |
| Tier 1 risk-based capital ratio | 11.2644% | 6,376 |
| Total risk-based capital ratio | 12.5147% | 6,344 |
| Memoranda: | ||
| Average total assets | $974,564,000 | 678 |
| Average earning assets | $905,339,500 | 662 |
| Average equity | $85,560,500 | 818 |
| Average total loans | $606,427,250 | 680 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2631% | 4,715 |
| Cost of funding earning assets | 0.6508% | 4,437 |
| Net interest margin | 3.6123% | 4,208 |
| Noninterest income to average assets | 0.6653% | 2,865 |
| Noninterest expense to average assets | 3.6157% | 1,550 |
| Loan and lease loss provision to assets | -0.0511% | 7,076 |
| Net operating income to assets | 0.4246% | 5,130 |
| Return on assets (ROA) | 0.5674% | 4,783 |
| Pretax return on assets | 0.6058% | 5,114 |
| Return on Equity (ROE) | 6.5448% | 4,029 |
| Retained earnings to average equity (ytd only) | 6.5448% | 2,362 |
| Net charge-offs to loans | 0.8044% | 1,364 |
| Credit loss provision to net charge-offs | -10.3520% | 5,925 |
| Earnings coverage of net charge-offs (x) | 0.8157% | 4,650 |
| Efficiency ratio | 89.9771% | 1,071 |
| Assets per employee ($millions) | 4.4530% | 2,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 3,787 |
| Loan loss allowance to noncurrent loans | 86.1642% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.8208% | 3,009 |
| Noncurrent loans to loans | 1.7977% | 3,220 |
| Net loans and leases to total assets | 63.7884% | 3,084 |
| Net loans and leases to deposits | 70.7739% | 3,787 |
| Net loans and leases to core deposits | 72.0359% | 4,291 |
| Total domestic deposits to total assets | 90.1298% | 854 |
| Equity capital to assets | 9.1991% | 5,462 |
| Core capital (leverage) ratio | 8.8849% | 5,073 |
| Tier 1 risk-based capital ratio | 11.5121% | 6,209 |
| Total risk-based capital ratio | 12.7623% | 6,187 |
| Memoranda: | ||
| Average total assets | $978,222,670 | 678 |
| Average earning assets | $908,068,670 | 659 |
| Average equity | $84,800,000 | 816 |
| Average total loans | $600,480,670 | 686 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1450% | 5,295 |
| Cost of funding earning assets | 0.6956% | 4,321 |
| Net interest margin | 3.4495% | 4,916 |
| Noninterest income to average assets | 0.6425% | 2,975 |
| Noninterest expense to average assets | 3.5060% | 1,756 |
| Loan and lease loss provision to assets | -0.3001% | 7,234 |
| Net operating income to assets | 0.6195% | 4,259 |
| Return on assets (ROA) | 0.6129% | 4,502 |
| Pretax return on assets | 0.6341% | 4,997 |
| Return on Equity (ROE) | 7.2789% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.2789% | 2,287 |
| Net charge-offs to loans | 0.3640% | 2,212 |
| Credit loss provision to net charge-offs | -137.8676% | 5,538 |
| Earnings coverage of net charge-offs (x) | 1.5662% | 3,548 |
| Efficiency ratio | 91.1388% | 1,006 |
| Assets per employee ($millions) | 4.4426% | 3,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 3,065 |
| Loan loss allowance to noncurrent loans | 100.3171% | 3,059 |
| Noncurrent assets plus other real estate owned to assets | 1.7648% | 3,222 |
| Noncurrent loans to loans | 1.7718% | 3,448 |
| Net loans and leases to total assets | 62.2278% | 3,214 |
| Net loans and leases to deposits | 69.1815% | 3,845 |
| Net loans and leases to core deposits | 70.8155% | 4,318 |
| Total domestic deposits to total assets | 89.9487% | 1,116 |
| Equity capital to assets | 8.9025% | 5,636 |
| Core capital (leverage) ratio | 8.5503% | 5,509 |
| Tier 1 risk-based capital ratio | 11.5984% | 6,220 |
| Total risk-based capital ratio | 12.8513% | 6,201 |
| Memoranda: | ||
| Average total assets | $999,770,000 | 666 |
| Average earning assets | $928,727,000 | 648 |
| Average equity | $84,188,500 | 815 |
| Average total loans | $597,777,000 | 691 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5808% | 4,751 |
| Cost of funding earning assets | 0.8434% | 4,521 |
| Net interest margin | 3.7374% | 4,125 |
| Noninterest income to average assets | 1.0515% | 1,214 |
| Noninterest expense to average assets | 4.4079% | 642 |
| Loan and lease loss provision to assets | 1.7202% | 391 |
| Net operating income to assets | -2.6218% | 7,130 |
| Return on assets (ROA) | -2.5574% | 7,129 |
| Pretax return on assets | -1.6311% | 6,927 |
| Return on Equity (ROE) | -23.8255% | 7,037 |
| Retained earnings to average equity (ytd only) | -24.0383% | 7,026 |
| Net charge-offs to loans | 2.4553% | 480 |
| Credit loss provision to net charge-offs | 103.9453% | 3,317 |
| Earnings coverage of net charge-offs (x) | 0.0149% | 5,808 |
| Efficiency ratio | 99.4434% | 695 |
| Assets per employee ($millions) | 4.9263% | 2,306 |
| Cash dividends to net income (ytd only)* | -0.8932% | 7,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0409% | 2,151 |
| Loan loss allowance to noncurrent loans | 106.5240% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 1.7035% | 3,392 |
| Noncurrent loans to loans | 1.9159% | 3,322 |
| Net loans and leases to total assets | 55.3795% | 4,816 |
| Net loans and leases to deposits | 60.5829% | 5,426 |
| Net loans and leases to core deposits | 61.1358% | 5,739 |
| Total domestic deposits to total assets | 91.4111% | 360 |
| Equity capital to assets | 7.9802% | 6,583 |
| Core capital (leverage) ratio | 8.6241% | 5,351 |
| Tier 1 risk-based capital ratio | 11.6431% | 6,062 |
| Total risk-based capital ratio | 12.8986% | 6,046 |
| Memoranda: | ||
| Average total assets | $928,133,400 | 699 |
| Average earning assets | $839,652,000 | 703 |
| Average equity | $99,624,400 | 687 |
| Average total loans | $625,595,800 | 663 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7611% | 4,181 |
| Cost of funding earning assets | 0.8752% | 4,589 |
| Net interest margin | 3.8859% | 3,453 |
| Noninterest income to average assets | 0.9547% | 1,472 |
| Noninterest expense to average assets | 3.9905% | 1,013 |
| Loan and lease loss provision to assets | 0.8403% | 1,095 |
| Net operating income to assets | -0.1892% | 6,374 |
| Return on assets (ROA) | -0.1324% | 6,399 |
| Pretax return on assets | -0.2997% | 6,492 |
| Return on Equity (ROE) | -1.1482% | 6,393 |
| Retained earnings to average equity (ytd only) | -1.4208% | 6,221 |
| Net charge-offs to loans | 0.9941% | 1,621 |
| Credit loss provision to net charge-offs | 119.7886% | 2,718 |
| Earnings coverage of net charge-offs (x) | 0.6442% | 5,141 |
| Efficiency ratio | 89.8284% | 1,176 |
| Assets per employee ($millions) | 4.4810% | 2,947 |
| Cash dividends to net income (ytd only)* | -23.7402% | 7,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9495% | 2,475 |
| Loan loss allowance to noncurrent loans | 38.6802% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 4.8416% | 1,199 |
| Noncurrent loans to loans | 5.0401% | 1,227 |
| Net loans and leases to total assets | 65.5438% | 2,994 |
| Net loans and leases to deposits | 74.5317% | 3,584 |
| Net loans and leases to core deposits | 76.4361% | 4,149 |
| Total domestic deposits to total assets | 87.9408% | 2,066 |
| Equity capital to assets | 11.2285% | 2,936 |
| Core capital (leverage) ratio | 10.4603% | 2,916 |
| Tier 1 risk-based capital ratio | 12.5034% | 5,479 |
| Total risk-based capital ratio | 13.7579% | 5,475 |
| Memoranda: | ||
| Average total assets | $899,074,000 | 736 |
| Average earning assets | $806,929,000 | 740 |
| Average equity | $103,694,750 | 666 |
| Average total loans | $634,390,500 | 658 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8211% | 3,997 |
| Cost of funding earning assets | 0.8824% | 4,812 |
| Net interest margin | 3.9387% | 3,130 |
| Noninterest income to average assets | 0.7067% | 2,513 |
| Noninterest expense to average assets | 4.0519% | 971 |
| Loan and lease loss provision to assets | 1.1450% | 698 |
| Net operating income to assets | -0.5613% | 6,739 |
| Return on assets (ROA) | -0.5616% | 6,757 |
| Pretax return on assets | -0.9597% | 6,887 |
| Return on Equity (ROE) | -4.8236% | 6,699 |
| Retained earnings to average equity (ytd only) | -5.2364% | 6,584 |
| Net charge-offs to loans | 0.4371% | 2,824 |
| Credit loss provision to net charge-offs | 364.3579% | 839 |
| Earnings coverage of net charge-offs (x) | 0.5909% | 4,855 |
| Efficiency ratio | 95.6180% | 895 |
| Assets per employee ($millions) | 4.1202% | 3,514 |
| Cash dividends to net income (ytd only)* | -8.5587% | 7,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3415% | 1,677 |
| Loan loss allowance to noncurrent loans | 38.8091% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 5.7936% | 991 |
| Noncurrent loans to loans | 6.0335% | 984 |
| Net loans and leases to total assets | 70.1521% | 2,190 |
| Net loans and leases to deposits | 80.2184% | 2,751 |
| Net loans and leases to core deposits | 83.1626% | 3,343 |
| Total domestic deposits to total assets | 87.4514% | 2,491 |
| Equity capital to assets | 11.7338% | 2,300 |
| Core capital (leverage) ratio | 10.4360% | 2,778 |
| Tier 1 risk-based capital ratio | 12.5691% | 5,274 |
| Total risk-based capital ratio | 13.8145% | 5,252 |
| Memoranda: | ||
| Average total assets | $882,108,670 | 755 |
| Average earning assets | $790,772,670 | 763 |
| Average equity | $102,704,000 | 674 |
| Average total loans | $634,178,670 | 672 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7829% | 4,135 |
| Cost of funding earning assets | 0.8355% | 5,361 |
| Net interest margin | 3.9474% | 2,924 |
| Noninterest income to average assets | 0.4979% | 3,908 |
| Noninterest expense to average assets | 4.0848% | 941 |
| Loan and lease loss provision to assets | 1.6246% | 374 |
| Net operating income to assets | -1.0137% | 7,051 |
| Return on assets (ROA) | -1.0137% | 7,054 |
| Pretax return on assets | -1.6745% | 7,210 |
| Return on Equity (ROE) | -8.7412% | 6,987 |
| Retained earnings to average equity (ytd only) | -9.5778% | 6,844 |
| Net charge-offs to loans | 0.3461% | 2,677 |
| Credit loss provision to net charge-offs | 652.5735% | 576 |
| Earnings coverage of net charge-offs (x) | -0.2004% | 4,696 |
| Efficiency ratio | 101.2362% | 698 |
| Assets per employee ($millions) | 4.1057% | 3,626 |
| Cash dividends to net income (ytd only)* | -9.5711% | 7,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2686% | 1,819 |
| Loan loss allowance to noncurrent loans | 36.8990% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 6.0877% | 937 |
| Noncurrent loans to loans | 6.1481% | 1,014 |
| Net loans and leases to total assets | 71.1834% | 1,885 |
| Net loans and leases to deposits | 81.5099% | 2,442 |
| Net loans and leases to core deposits | 86.3730% | 2,823 |
| Total domestic deposits to total assets | 87.3311% | 2,746 |
| Equity capital to assets | 11.9466% | 1,950 |
| Core capital (leverage) ratio | 10.9706% | 2,216 |
| Tier 1 risk-based capital ratio | 12.7180% | 5,043 |
| Total risk-based capital ratio | 13.9767% | 5,010 |
| Memoranda: | ||
| Average total assets | $874,062,500 | 766 |
| Average earning assets | $783,201,000 | 773 |
| Average equity | $101,359,500 | 673 |
| Average total loans | $628,660,500 | 684 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 5,469 |
| Cost of funding earning assets | 1.0725% | 5,298 |
| Net interest margin | 3.7123% | 4,298 |
| Noninterest income to average assets | 0.1610% | 6,564 |
| Noninterest expense to average assets | 3.4801% | 2,229 |
| Loan and lease loss provision to assets | 1.7581% | 793 |
| Net operating income to assets | -1.0549% | 6,716 |
| Return on assets (ROA) | -0.9951% | 6,724 |
| Pretax return on assets | -1.6384% | 6,911 |
| Return on Equity (ROE) | -10.5125% | 6,747 |
| Retained earnings to average equity (ytd only) | -11.9603% | 6,762 |
| Net charge-offs to loans | 2.7279% | 662 |
| Credit loss provision to net charge-offs | 92.2376% | 5,030 |
| Earnings coverage of net charge-offs (x) | 0.0138% | 6,110 |
| Efficiency ratio | 99.2509% | 809 |
| Assets per employee ($millions) | 4.1600% | 3,459 |
| Cash dividends to net income (ytd only)* | -13.7718% | 7,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8448% | 2,704 |
| Loan loss allowance to noncurrent loans | 28.6157% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 6.3220% | 905 |
| Noncurrent loans to loans | 6.4466% | 937 |
| Net loans and leases to total assets | 69.7013% | 2,598 |
| Net loans and leases to deposits | 79.2383% | 3,301 |
| Net loans and leases to core deposits | 87.4454% | 3,124 |
| Total domestic deposits to total assets | 87.9641% | 2,267 |
| Equity capital to assets | 11.2458% | 2,459 |
| Core capital (leverage) ratio | 9.8581% | 3,257 |
| Tier 1 risk-based capital ratio | 12.2563% | 5,250 |
| Total risk-based capital ratio | 13.5104% | 5,212 |
| Memoranda: | ||
| Average total assets | $944,185,800 | 712 |
| Average earning assets | $850,873,400 | 715 |
| Average equity | $89,379,400 | 750 |
| Average total loans | $659,731,400 | 663 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 5,664 |
| Cost of funding earning assets | 1.1148% | 5,349 |
| Net interest margin | 3.6834% | 4,493 |
| Noninterest income to average assets | 0.1798% | 6,593 |
| Noninterest expense to average assets | 3.3168% | 2,524 |
| Loan and lease loss provision to assets | 2.3496% | 466 |
| Net operating income to assets | -1.3373% | 7,046 |
| Return on assets (ROA) | -1.3703% | 7,083 |
| Pretax return on assets | -2.2139% | 7,255 |
| Return on Equity (ROE) | -15.1206% | 7,109 |
| Retained earnings to average equity (ytd only) | -16.5968% | 7,123 |
| Net charge-offs to loans | 3.7639% | 341 |
| Credit loss provision to net charge-offs | 89.6731% | 4,780 |
| Earnings coverage of net charge-offs (x) | 0.0715% | 5,959 |
| Efficiency ratio | 94.6554% | 966 |
| Assets per employee ($millions) | 4.7928% | 2,460 |
| Cash dividends to net income (ytd only)* | -9.7622% | 7,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7122% | 3,117 |
| Loan loss allowance to noncurrent loans | 22.5319% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 6.2461% | 929 |
| Noncurrent loans to loans | 7.5991% | 706 |
| Net loans and leases to total assets | 66.2025% | 3,642 |
| Net loans and leases to deposits | 74.7884% | 4,382 |
| Net loans and leases to core deposits | 98.5599% | 1,989 |
| Total domestic deposits to total assets | 88.5198% | 1,659 |
| Equity capital to assets | 10.6272% | 3,376 |
| Core capital (leverage) ratio | 9.8135% | 3,469 |
| Tier 1 risk-based capital ratio | 11.9574% | 5,502 |
| Total risk-based capital ratio | 13.2100% | 5,469 |
| Memoranda: | ||
| Average total assets | $961,832,000 | 691 |
| Average earning assets | $868,045,250 | 693 |
| Average equity | $87,163,500 | 763 |
| Average total loans | $669,575,500 | 655 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7665% | 5,905 |
| Cost of funding earning assets | 1.1885% | 5,193 |
| Net interest margin | 3.5780% | 4,910 |
| Noninterest income to average assets | 0.1926% | 6,517 |
| Noninterest expense to average assets | 3.3619% | 2,367 |
| Loan and lease loss provision to assets | 3.3584% | 269 |
| Net operating income to assets | -2.0764% | 7,329 |
| Return on assets (ROA) | -2.1256% | 7,347 |
| Pretax return on assets | -3.3743% | 7,524 |
| Return on Equity (ROE) | -24.8516% | 7,369 |
| Retained earnings to average equity (ytd only) | -26.3787% | 7,372 |
| Net charge-offs to loans | 5.5275% | 164 |
| Credit loss provision to net charge-offs | 86.3673% | 4,536 |
| Earnings coverage of net charge-offs (x) | 0.0157% | 5,700 |
| Efficiency ratio | 98.2188% | 872 |
| Assets per employee ($millions) | 5.8978% | 1,299 |
| Cash dividends to net income (ytd only)* | -6.1449% | 7,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5358% | 3,736 |
| Loan loss allowance to noncurrent loans | 19.7733% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 6.7195% | 809 |
| Noncurrent loans to loans | 7.7671% | 675 |
| Net loans and leases to total assets | 70.6994% | 2,749 |
| Net loans and leases to deposits | 80.3332% | 3,547 |
| Net loans and leases to core deposits | 104.9906% | 1,538 |
| Total domestic deposits to total assets | 88.0076% | 2,000 |
| Equity capital to assets | 10.1658% | 3,815 |
| Core capital (leverage) ratio | 8.9518% | 4,679 |
| Tier 1 risk-based capital ratio | 10.8353% | 6,415 |
| Total risk-based capital ratio | 12.0861% | 6,407 |
| Memoranda: | ||
| Average total assets | $967,716,000 | 682 |
| Average earning assets | $873,681,000 | 689 |
| Average equity | $82,771,330 | 793 |
| Average total loans | $680,780,670 | 641 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 6,208 |
| Cost of funding earning assets | 1.2341% | 5,210 |
| Net interest margin | 3.4778% | 5,252 |
| Noninterest income to average assets | 0.2269% | 6,337 |
| Noninterest expense to average assets | 3.3976% | 2,244 |
| Loan and lease loss provision to assets | 2.2320% | 483 |
| Net operating income to assets | -1.4056% | 7,295 |
| Return on assets (ROA) | -1.4443% | 7,321 |
| Pretax return on assets | -2.3205% | 7,481 |
| Return on Equity (ROE) | -18.5384% | 7,407 |
| Retained earnings to average equity (ytd only) | -20.1167% | 7,375 |
| Net charge-offs to loans | 2.6891% | 601 |
| Credit loss provision to net charge-offs | 119.1508% | 2,925 |
| Earnings coverage of net charge-offs (x) | -0.0149% | 5,035 |
| Efficiency ratio | 100.8310% | 812 |
| Assets per employee ($millions) | 6.3912% | 1,052 |
| Cash dividends to net income (ytd only)* | -8.5136% | 7,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0201% | 2,134 |
| Loan loss allowance to noncurrent loans | 37.3713% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 4.9499% | 1,309 |
| Noncurrent loans to loans | 5.4054% | 1,304 |
| Net loans and leases to total assets | 68.9806% | 3,162 |
| Net loans and leases to deposits | 77.5926% | 4,114 |
| Net loans and leases to core deposits | 96.1400% | 2,569 |
| Total domestic deposits to total assets | 88.9010% | 1,568 |
| Equity capital to assets | 7.6917% | 6,934 |
| Core capital (leverage) ratio | 7.2169% | 7,095 |
| Tier 1 risk-based capital ratio | 8.7638% | 7,523 |
| Total risk-based capital ratio | 10.0197% | 7,546 |
| Memoranda: | ||
| Average total assets | $985,649,000 | 689 |
| Average earning assets | $890,677,000 | 686 |
| Average equity | $76,792,000 | 854 |
| Average total loans | $686,627,000 | 660 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0896% | 6,129 |
| Cost of funding earning assets | 1.7222% | 4,399 |
| Net interest margin | 3.3673% | 5,501 |
| Noninterest income to average assets | 0.1744% | 6,831 |
| Noninterest expense to average assets | 3.2365% | 3,248 |
| Loan and lease loss provision to assets | 1.4948% | 1,541 |
| Net operating income to assets | -0.9208% | 6,524 |
| Return on assets (ROA) | -1.0604% | 6,625 |
| Pretax return on assets | -1.7156% | 6,830 |
| Return on Equity (ROE) | -12.0855% | 6,772 |
| Retained earnings to average equity (ytd only) | -13.7267% | 6,792 |
| Net charge-offs to loans | 1.3254% | 1,885 |
| Credit loss provision to net charge-offs | 145.3726% | 3,269 |
| Earnings coverage of net charge-offs (x) | -0.0026% | 6,201 |
| Efficiency ratio | 100.0814% | 1,099 |
| Assets per employee ($millions) | 6.4091% | 1,023 |
| Cash dividends to net income (ytd only)* | -13.5795% | 7,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 2,407 |
| Loan loss allowance to noncurrent loans | 49.3240% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.9400% | 1,678 |
| Noncurrent loans to loans | 3.7523% | 1,999 |
| Net loans and leases to total assets | 67.6762% | 3,782 |
| Net loans and leases to deposits | 76.1170% | 4,726 |
| Net loans and leases to core deposits | 99.2462% | 4,084 |
| Total domestic deposits to total assets | 88.9108% | 1,519 |
| Equity capital to assets | 7.8863% | 6,689 |
| Core capital (leverage) ratio | 8.0935% | 6,002 |
| Tier 1 risk-based capital ratio | 10.2924% | 6,598 |
| Total risk-based capital ratio | 11.5473% | 6,559 |
| Memoranda: | ||
| Average total assets | $949,988,600 | 704 |
| Average earning assets | $863,118,400 | 703 |
| Average equity | $83,356,000 | 773 |
| Average total loans | $736,978,400 | 625 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 5,901 |
| Cost of funding earning assets | 1.7878% | 4,434 |
| Net interest margin | 3.4065% | 5,238 |
| Noninterest income to average assets | 0.1876% | 6,877 |
| Noninterest expense to average assets | 3.1687% | 3,408 |
| Loan and lease loss provision to assets | 1.8804% | 974 |
| Net operating income to assets | -1.0948% | 6,894 |
| Return on assets (ROA) | -1.1350% | 6,922 |
| Pretax return on assets | -1.8266% | 7,098 |
| Return on Equity (ROE) | -12.5923% | 7,051 |
| Retained earnings to average equity (ytd only) | -14.2424% | 7,088 |
| Net charge-offs to loans | 1.5985% | 1,276 |
| Credit loss provision to net charge-offs | 147.2393% | 3,288 |
| Earnings coverage of net charge-offs (x) | 0.0914% | 5,954 |
| Efficiency ratio | 96.4487% | 1,255 |
| Assets per employee ($millions) | 5.9752% | 1,230 |
| Cash dividends to net income (ytd only)* | -13.1041% | 7,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 2,338 |
| Loan loss allowance to noncurrent loans | 68.0334% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 3.0979% | 2,215 |
| Noncurrent loans to loans | 2.6186% | 2,887 |
| Net loans and leases to total assets | 73.3723% | 2,695 |
| Net loans and leases to deposits | 83.4503% | 3,745 |
| Net loans and leases to core deposits | 106.2778% | 3,671 |
| Total domestic deposits to total assets | 87.9234% | 1,693 |
| Equity capital to assets | 8.6072% | 6,107 |
| Core capital (leverage) ratio | 8.4368% | 5,601 |
| Tier 1 risk-based capital ratio | 9.7536% | 7,185 |
| Total risk-based capital ratio | 11.0084% | 7,146 |
| Memoranda: | ||
| Average total assets | $935,928,750 | 730 |
| Average earning assets | $851,085,500 | 724 |
| Average equity | $84,356,500 | 769 |
| Average total loans | $747,768,500 | 632 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2909% | 5,692 |
| Cost of funding earning assets | 1.8438% | 4,546 |
| Net interest margin | 3.4471% | 4,994 |
| Noninterest income to average assets | 0.1984% | 6,871 |
| Noninterest expense to average assets | 3.3507% | 2,787 |
| Loan and lease loss provision to assets | 2.8028% | 541 |
| Net operating income to assets | -1.7954% | 7,364 |
| Return on assets (ROA) | -1.8228% | 7,368 |
| Pretax return on assets | -2.8698% | 7,530 |
| Return on Equity (ROE) | -19.9184% | 7,496 |
| Retained earnings to average equity (ytd only) | -21.5800% | 7,501 |
| Net charge-offs to loans | 1.4260% | 1,320 |
| Credit loss provision to net charge-offs | 240.6861% | 1,932 |
| Earnings coverage of net charge-offs (x) | -0.0208% | 5,713 |
| Efficiency ratio | 100.7296% | 1,142 |
| Assets per employee ($millions) | 5.5972% | 1,499 |
| Cash dividends to net income (ytd only)* | -8.3422% | 7,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 1,326 |
| Loan loss allowance to noncurrent loans | 101.1033% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 2.7685% | 2,328 |
| Noncurrent loans to loans | 2.1205% | 3,353 |
| Net loans and leases to total assets | 78.3088% | 1,677 |
| Net loans and leases to deposits | 89.2382% | 2,947 |
| Net loans and leases to core deposits | 110.1255% | 3,358 |
| Total domestic deposits to total assets | 87.7525% | 1,902 |
| Equity capital to assets | 8.5978% | 5,897 |
| Core capital (leverage) ratio | 8.4671% | 5,500 |
| Tier 1 risk-based capital ratio | 9.4247% | 7,454 |
| Total risk-based capital ratio | 10.6833% | 7,408 |
| Memoranda: | ||
| Average total assets | $931,222,000 | 753 |
| Average earning assets | $844,991,330 | 747 |
| Average equity | $85,217,670 | 771 |
| Average total loans | $760,452,330 | 635 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3196% | 5,812 |
| Cost of funding earning assets | 1.8494% | 4,880 |
| Net interest margin | 3.4702% | 4,851 |
| Noninterest income to average assets | 0.1881% | 6,947 |
| Noninterest expense to average assets | 3.6292% | 1,798 |
| Loan and lease loss provision to assets | 2.0657% | 580 |
| Net operating income to assets | -1.4552% | 7,475 |
| Return on assets (ROA) | -1.4615% | 7,493 |
| Pretax return on assets | -2.3287% | 7,623 |
| Return on Equity (ROE) | -15.4992% | 7,624 |
| Retained earnings to average equity (ytd only) | -17.1605% | 7,543 |
| Net charge-offs to loans | 2.4913% | 565 |
| Credit loss provision to net charge-offs | 100.5236% | 3,704 |
| Earnings coverage of net charge-offs (x) | -0.1231% | 5,096 |
| Efficiency ratio | 107.4952% | 883 |
| Assets per employee ($millions) | 5.6112% | 1,463 |
| Cash dividends to net income (ytd only)* | -10.7185% | 8,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,298 |
| Loan loss allowance to noncurrent loans | 46.6766% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 3.0896% | 1,826 |
| Noncurrent loans to loans | 2.4084% | 2,739 |
| Net loans and leases to total assets | 81.6069% | 1,080 |
| Net loans and leases to deposits | 93.8346% | 2,299 |
| Net loans and leases to core deposits | 112.9261% | 3,112 |
| Total domestic deposits to total assets | 86.9688% | 2,233 |
| Equity capital to assets | 9.4339% | 4,765 |
| Core capital (leverage) ratio | 9.5155% | 3,959 |
| Tier 1 risk-based capital ratio | 10.8289% | 6,065 |
| Total risk-based capital ratio | 11.8767% | 6,187 |
| Memoranda: | ||
| Average total assets | $929,464,000 | 758 |
| Average earning assets | $853,892,000 | 743 |
| Average equity | $87,643,000 | 758 |
| Average total loans | $766,669,000 | 640 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0055% | 5,522 |
| Cost of funding earning assets | 2.6571% | 3,384 |
| Net interest margin | 3.3485% | 5,870 |
| Noninterest income to average assets | 0.2373% | 6,745 |
| Noninterest expense to average assets | 2.4413% | 6,249 |
| Loan and lease loss provision to assets | 0.7694% | 1,937 |
| Net operating income to assets | 0.1599% | 5,959 |
| Return on assets (ROA) | 0.0658% | 6,048 |
| Pretax return on assets | -0.0140% | 6,173 |
| Return on Equity (ROE) | 0.7167% | 6,005 |
| Retained earnings to average equity (ytd only) | -0.5266% | 5,448 |
| Net charge-offs to loans | 0.9584% | 1,289 |
| Credit loss provision to net charge-offs | 98.6970% | 5,424 |
| Earnings coverage of net charge-offs (x) | 1.1577% | 5,546 |
| Efficiency ratio | 73.0118% | 3,747 |
| Assets per employee ($millions) | 6.2086% | 1,029 |
| Cash dividends to net income (ytd only)* | 173.4789% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 5,464 |
| Loan loss allowance to noncurrent loans | 48.5144% | 5,581 |
| Noncurrent assets plus other real estate owned to assets | 2.7279% | 1,734 |
| Noncurrent loans to loans | 2.2134% | 2,492 |
| Net loans and leases to total assets | 81.5523% | 1,310 |
| Net loans and leases to deposits | 103.1790% | 1,442 |
| Net loans and leases to core deposits | 122.2674% | 2,480 |
| Total domestic deposits to total assets | 79.0397% | 5,363 |
| Equity capital to assets | 9.4251% | 4,793 |
| Core capital (leverage) ratio | 9.8830% | 3,562 |
| Tier 1 risk-based capital ratio | 10.8969% | 5,811 |
| Total risk-based capital ratio | 11.9047% | 5,948 |
| Memoranda: | ||
| Average total assets | $974,711,000 | 677 |
| Average earning assets | $904,268,000 | 662 |
| Average equity | $89,434,600 | 747 |
| Average total loans | $792,811,800 | 601 |