Home > Savings Bank of Danbury > Performance and Condition Ratios
Savings Bank of Danbury, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8832% | 2,317 |
| Cost of funding earning assets | 1.4299% | 2,150 |
| Net interest margin | 3.4534% | 2,296 |
| Noninterest income to average assets | 0.4800% | 2,084 |
| Noninterest expense to average assets | 2.3135% | 2,815 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.9837% | 2,269 |
| Return on assets (ROA) | 1.0074% | 2,183 |
| Pretax return on assets | 1.2636% | 1,976 |
| Return on Equity (ROE) | 8.0400% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.9550% | 1,552 |
| Net charge-offs to loans | -0.0381% | 4,309 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.4919% | 2,780 |
| Assets per employee ($millions) | 7.8142% | 1,529 |
| Cash dividends to net income (ytd only)* | 1.0198% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4732% | 1,133 |
| Loan loss allowance to noncurrent loans | 96.7742% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 1.2794% | 329 |
| Noncurrent loans to loans | 1.5223% | 445 |
| Net loans and leases to total assets | 82.8000% | 362 |
| Net loans and leases to deposits | 111.9020% | 170 |
| Net loans and leases to core deposits | 132.6059% | 366 |
| Total domestic deposits to total assets | 74.0000% | 4,104 |
| Equity capital to assets | 12.2544% | 1,045 |
| Core capital (leverage) ratio | 12.8656% | 1,095 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,460,116,800 | 729 |
| Average earning assets | $1,362,905,400 | 719 |
| Average equity | $183,018,000 | 581 |
| Average total loans | $1,208,763,800 | 629 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 2,276 |
| Cost of funding earning assets | 1.2160% | 2,378 |
| Net interest margin | 3.5792% | 2,057 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 2.3026% | 2,786 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 1.1326% | 1,959 |
| Return on assets (ROA) | 1.1086% | 2,008 |
| Pretax return on assets | 1.4009% | 1,777 |
| Return on Equity (ROE) | 8.7900% | 2,986 |
| Retained earnings to average equity (ytd only) | 8.7910% | 1,743 |
| Net charge-offs to loans | -0.0306% | 4,251 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.1915% | 2,943 |
| Assets per employee ($millions) | 7.3675% | 1,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 1,430 |
| Loan loss allowance to noncurrent loans | 102.5016% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.1573% | 395 |
| Noncurrent loans to loans | 1.3692% | 555 |
| Net loans and leases to total assets | 83.3400% | 339 |
| Net loans and leases to deposits | 111.8817% | 168 |
| Net loans and leases to core deposits | 131.7821% | 321 |
| Total domestic deposits to total assets | 74.4900% | 4,127 |
| Equity capital to assets | 12.3509% | 959 |
| Core capital (leverage) ratio | 13.2546% | 1,009 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,434,434,500 | 739 |
| Average earning assets | $1,338,780,750 | 728 |
| Average equity | $180,893,250 | 581 |
| Average total loans | $1,182,594,250 | 637 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7043% | 2,197 |
| Cost of funding earning assets | 0.9784% | 2,675 |
| Net interest margin | 3.7260% | 1,771 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 2.3736% | 2,579 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.2294% | 1,751 |
| Return on assets (ROA) | 1.2051% | 1,808 |
| Pretax return on assets | 1.5277% | 1,546 |
| Return on Equity (ROE) | 9.4900% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.4868% | 1,550 |
| Net charge-offs to loans | -0.0248% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.6566% | 2,999 |
| Assets per employee ($millions) | 7.9788% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3948% | 1,552 |
| Loan loss allowance to noncurrent loans | 94.7416% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.2383% | 321 |
| Noncurrent loans to loans | 1.4723% | 455 |
| Net loans and leases to total assets | 82.9400% | 334 |
| Net loans and leases to deposits | 108.0978% | 246 |
| Net loans and leases to core deposits | 122.7694% | 457 |
| Total domestic deposits to total assets | 76.7200% | 3,983 |
| Equity capital to assets | 12.8256% | 855 |
| Core capital (leverage) ratio | 13.6540% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,414,045,333 | 736 |
| Average earning assets | $1,319,545,333 | 726 |
| Average equity | $179,617,667 | 577 |
| Average total loans | $1,155,388,333 | 640 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6578% | 1,951 |
| Cost of funding earning assets | 0.8012% | 2,732 |
| Net interest margin | 3.8566% | 1,564 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.4308% | 2,440 |
| Loan and lease loss provision to assets | -0.0600% | 4,531 |
| Net operating income to assets | 1.3519% | 1,542 |
| Return on assets (ROA) | 1.3052% | 1,624 |
| Pretax return on assets | 1.6586% | 1,358 |
| Return on Equity (ROE) | 10.3300% | 2,688 |
| Retained earnings to average equity (ytd only) | 10.3262% | 1,623 |
| Net charge-offs to loans | -0.0434% | 4,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5072% | 3,016 |
| Assets per employee ($millions) | 7.2793% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 1,591 |
| Loan loss allowance to noncurrent loans | 78.4262% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.4946% | 222 |
| Noncurrent loans to loans | 1.7942% | 343 |
| Net loans and leases to total assets | 82.1300% | 363 |
| Net loans and leases to deposits | 101.7485% | 367 |
| Net loans and leases to core deposits | 113.4866% | 598 |
| Total domestic deposits to total assets | 80.7200% | 3,674 |
| Equity capital to assets | 13.1100% | 737 |
| Core capital (leverage) ratio | 13.4156% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,406,964,500 | 756 |
| Average earning assets | $1,312,982,000 | 741 |
| Average equity | $177,838,500 | 591 |
| Average total loans | $1,132,443,000 | 652 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 2,003 |
| Cost of funding earning assets | 0.3097% | 2,795 |
| Net interest margin | 3.5830% | 1,690 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.3031% | 2,720 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.0861% | 2,232 |
| Return on assets (ROA) | 1.3841% | 1,126 |
| Pretax return on assets | 1.7312% | 856 |
| Return on Equity (ROE) | 11.9500% | 2,154 |
| Retained earnings to average equity (ytd only) | 11.8855% | 691 |
| Net charge-offs to loans | -0.0615% | 4,395 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.2197% | 3,027 |
| Assets per employee ($millions) | 7.4131% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.5050% | 3,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5687% | 1,034 |
| Loan loss allowance to noncurrent loans | 92.3737% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.3211% | 270 |
| Noncurrent loans to loans | 1.6982% | 367 |
| Net loans and leases to total assets | 76.5800% | 950 |
| Net loans and leases to deposits | 92.4050% | 894 |
| Net loans and leases to core deposits | 100.8192% | 955 |
| Total domestic deposits to total assets | 82.8700% | 3,444 |
| Equity capital to assets | 12.1901% | 885 |
| Core capital (leverage) ratio | 12.7665% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,430,719,200 | 729 |
| Average earning assets | $1,342,329,600 | 712 |
| Average equity | $165,764,600 | 621 |
| Average total loans | $1,061,147,400 | 651 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6810% | 2,097 |
| Cost of funding earning assets | 0.2533% | 2,670 |
| Net interest margin | 3.4277% | 1,873 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 2.1099% | 3,184 |
| Loan and lease loss provision to assets | 0.1700% | 564 |
| Net operating income to assets | 1.1032% | 2,073 |
| Return on assets (ROA) | 1.0268% | 2,349 |
| Pretax return on assets | 1.2939% | 2,065 |
| Return on Equity (ROE) | 8.9800% | 3,037 |
| Retained earnings to average equity (ytd only) | 8.9802% | 1,655 |
| Net charge-offs to loans | -0.0746% | 4,414 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.5051% | 3,442 |
| Assets per employee ($millions) | 7.9275% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,115 |
| Loan loss allowance to noncurrent loans | 81.1161% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.4737% | 232 |
| Noncurrent loans to loans | 1.9397% | 311 |
| Net loans and leases to total assets | 74.7800% | 1,033 |
| Net loans and leases to deposits | 89.7551% | 906 |
| Net loans and leases to core deposits | 97.2324% | 940 |
| Total domestic deposits to total assets | 83.3200% | 3,645 |
| Equity capital to assets | 11.6422% | 957 |
| Core capital (leverage) ratio | 12.1343% | 1,187 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,428,862,750 | 735 |
| Average earning assets | $1,341,206,500 | 723 |
| Average equity | $163,377,750 | 636 |
| Average total loans | $1,046,724,000 | 656 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5061% | 2,127 |
| Cost of funding earning assets | 0.2228% | 2,612 |
| Net interest margin | 3.2832% | 1,955 |
| Noninterest income to average assets | 0.4488% | 2,459 |
| Noninterest expense to average assets | 2.0807% | 3,204 |
| Loan and lease loss provision to assets | 0.1448% | 659 |
| Net operating income to assets | 1.0437% | 2,002 |
| Return on assets (ROA) | 0.9398% | 2,377 |
| Pretax return on assets | 1.1777% | 2,141 |
| Return on Equity (ROE) | 8.2694% | 2,943 |
| Retained earnings to average equity (ytd only) | 8.2694% | 1,520 |
| Net charge-offs to loans | -0.0772% | 4,378 |
| Credit loss provision to net charge-offs | -259.2500% | 3,263 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8917% | 3,448 |
| Assets per employee ($millions) | 7.8630% | 1,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5464% | 1,282 |
| Loan loss allowance to noncurrent loans | 73.7152% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.4929% | 238 |
| Noncurrent loans to loans | 2.0978% | 304 |
| Net loans and leases to total assets | 70.0642% | 1,294 |
| Net loans and leases to deposits | 83.6051% | 1,147 |
| Net loans and leases to core deposits | 90.6449% | 1,085 |
| Total domestic deposits to total assets | 83.8037% | 3,725 |
| Equity capital to assets | 11.2827% | 1,107 |
| Core capital (leverage) ratio | 11.7005% | 1,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,432,145,667 | 728 |
| Average earning assets | $1,345,328,667 | 716 |
| Average equity | $162,768,667 | 652 |
| Average total loans | $1,036,261,667 | 653 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4541% | 1,939 |
| Cost of funding earning assets | 0.2229% | 2,485 |
| Net interest margin | 3.2312% | 1,778 |
| Noninterest income to average assets | 0.4220% | 2,543 |
| Noninterest expense to average assets | 2.0635% | 3,266 |
| Loan and lease loss provision to assets | 0.1458% | 547 |
| Net operating income to assets | 0.9981% | 1,890 |
| Return on assets (ROA) | 0.9267% | 2,163 |
| Pretax return on assets | 1.1590% | 1,958 |
| Return on Equity (ROE) | 8.1239% | 2,636 |
| Retained earnings to average equity (ytd only) | 8.1239% | 1,538 |
| Net charge-offs to loans | -0.0066% | 3,436 |
| Credit loss provision to net charge-offs | -3,047.0588% | 3,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6808% | 3,520 |
| Assets per employee ($millions) | 7.9954% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4768% | 1,626 |
| Loan loss allowance to noncurrent loans | 68.3901% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 1.5520% | 229 |
| Noncurrent loans to loans | 2.1593% | 318 |
| Net loans and leases to total assets | 70.8135% | 942 |
| Net loans and leases to deposits | 84.8725% | 818 |
| Net loans and leases to core deposits | 93.4824% | 754 |
| Total domestic deposits to total assets | 83.4352% | 3,874 |
| Equity capital to assets | 11.4318% | 1,147 |
| Core capital (leverage) ratio | 11.8029% | 1,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,420,889,500 | 733 |
| Average earning assets | $1,334,865,000 | 719 |
| Average equity | $162,090,500 | 670 |
| Average total loans | $1,036,791,500 | 636 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5101% | 2,632 |
| Cost of funding earning assets | 0.3772% | 1,701 |
| Net interest margin | 3.1329% | 2,795 |
| Noninterest income to average assets | 0.7049% | 1,753 |
| Noninterest expense to average assets | 2.1705% | 3,175 |
| Loan and lease loss provision to assets | 0.1172% | 1,070 |
| Net operating income to assets | 1.0921% | 2,325 |
| Return on assets (ROA) | 1.1475% | 2,175 |
| Pretax return on assets | 1.4379% | 1,923 |
| Return on Equity (ROE) | 10.1180% | 2,482 |
| Retained earnings to average equity (ytd only) | 10.0526% | 907 |
| Net charge-offs to loans | -0.0474% | 4,308 |
| Credit loss provision to net charge-offs | -316.8337% | 3,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3599% | 3,246 |
| Assets per employee ($millions) | 8.2959% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.6463% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3868% | 1,965 |
| Loan loss allowance to noncurrent loans | 61.9042% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 1.6592% | 236 |
| Noncurrent loans to loans | 2.2403% | 323 |
| Net loans and leases to total assets | 73.0370% | 747 |
| Net loans and leases to deposits | 87.1808% | 702 |
| Net loans and leases to core deposits | 96.0490% | 689 |
| Total domestic deposits to total assets | 83.7765% | 3,618 |
| Equity capital to assets | 11.3835% | 1,564 |
| Core capital (leverage) ratio | 11.6865% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,348,454,200 | 742 |
| Average earning assets | $1,270,437,200 | 728 |
| Average equity | $152,925,800 | 699 |
| Average total loans | $1,053,206,800 | 629 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5466% | 2,702 |
| Cost of funding earning assets | 0.4057% | 1,660 |
| Net interest margin | 3.1409% | 2,934 |
| Noninterest income to average assets | 0.6723% | 1,922 |
| Noninterest expense to average assets | 2.0655% | 3,467 |
| Loan and lease loss provision to assets | 0.1663% | 655 |
| Net operating income to assets | 1.1154% | 2,499 |
| Return on assets (ROA) | 1.1735% | 2,318 |
| Pretax return on assets | 1.4737% | 2,066 |
| Return on Equity (ROE) | 10.3579% | 2,610 |
| Retained earnings to average equity (ytd only) | 10.3579% | 1,210 |
| Net charge-offs to loans | 0.0695% | 953 |
| Credit loss provision to net charge-offs | 302.3679% | 1,001 |
| Earnings coverage of net charge-offs (x) | 28.4991% | 1,548 |
| Efficiency ratio | 56.8553% | 3,434 |
| Assets per employee ($millions) | 7.8582% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,461 |
| Loan loss allowance to noncurrent loans | 45.9093% | 3,995 |
| Noncurrent assets plus other real estate owned to assets | 2.3705% | 135 |
| Noncurrent loans to loans | 2.8418% | 239 |
| Net loans and leases to total assets | 74.8253% | 625 |
| Net loans and leases to deposits | 89.4296% | 634 |
| Net loans and leases to core deposits | 99.2274% | 618 |
| Total domestic deposits to total assets | 83.6695% | 3,549 |
| Equity capital to assets | 11.3637% | 1,766 |
| Core capital (leverage) ratio | 11.7219% | 1,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,330,919,500 | 759 |
| Average earning assets | $1,254,506,750 | 747 |
| Average equity | $150,786,000 | 717 |
| Average total loans | $1,053,841,250 | 642 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5657% | 2,731 |
| Cost of funding earning assets | 0.4336% | 1,631 |
| Net interest margin | 3.1321% | 2,949 |
| Noninterest income to average assets | 0.6937% | 1,833 |
| Noninterest expense to average assets | 2.0850% | 3,431 |
| Loan and lease loss provision to assets | 0.1899% | 589 |
| Net operating income to assets | 1.0942% | 2,576 |
| Return on assets (ROA) | 1.1742% | 2,348 |
| Pretax return on assets | 1.4760% | 2,094 |
| Return on Equity (ROE) | 10.3748% | 2,625 |
| Retained earnings to average equity (ytd only) | 10.3748% | 1,293 |
| Net charge-offs to loans | 0.0877% | 802 |
| Credit loss provision to net charge-offs | 269.3966% | 940 |
| Earnings coverage of net charge-offs (x) | 22.2091% | 1,494 |
| Efficiency ratio | 57.1090% | 3,391 |
| Assets per employee ($millions) | 7.2906% | 1,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 2,612 |
| Loan loss allowance to noncurrent loans | 44.1727% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 2.2308% | 172 |
| Noncurrent loans to loans | 2.8619% | 260 |
| Net loans and leases to total assets | 76.4685% | 550 |
| Net loans and leases to deposits | 91.3072% | 576 |
| Net loans and leases to core deposits | 101.6296% | 603 |
| Total domestic deposits to total assets | 83.7486% | 3,512 |
| Equity capital to assets | 11.2452% | 1,794 |
| Core capital (leverage) ratio | 11.5698% | 1,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,316,167,000 | 762 |
| Average earning assets | $1,242,668,000 | 751 |
| Average equity | $148,957,667 | 721 |
| Average total loans | $1,057,594,000 | 638 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5909% | 2,669 |
| Cost of funding earning assets | 0.4656% | 1,618 |
| Net interest margin | 3.1253% | 2,914 |
| Noninterest income to average assets | 0.6138% | 2,153 |
| Noninterest expense to average assets | 2.1182% | 3,367 |
| Loan and lease loss provision to assets | 0.2299% | 492 |
| Net operating income to assets | 0.9694% | 2,908 |
| Return on assets (ROA) | 1.0838% | 2,604 |
| Pretax return on assets | 1.3664% | 2,379 |
| Return on Equity (ROE) | 9.5441% | 2,841 |
| Retained earnings to average equity (ytd only) | 9.5441% | 1,790 |
| Net charge-offs to loans | 0.0204% | 1,333 |
| Credit loss provision to net charge-offs | 1,379.6296% | 339 |
| Earnings coverage of net charge-offs (x) | 87.1111% | 669 |
| Efficiency ratio | 59.3361% | 3,111 |
| Assets per employee ($millions) | 7.3880% | 1,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2318% | 2,752 |
| Loan loss allowance to noncurrent loans | 39.8850% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 2.4965% | 165 |
| Noncurrent loans to loans | 3.0883% | 247 |
| Net loans and leases to total assets | 79.4824% | 364 |
| Net loans and leases to deposits | 94.9780% | 440 |
| Net loans and leases to core deposits | 106.0282% | 510 |
| Total domestic deposits to total assets | 83.6851% | 3,522 |
| Equity capital to assets | 11.1879% | 1,730 |
| Core capital (leverage) ratio | 11.8179% | 1,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,296,224,000 | 765 |
| Average earning assets | $1,225,994,000 | 754 |
| Average equity | $147,191,000 | 722 |
| Average total loans | $1,061,276,000 | 638 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9338% | 2,926 |
| Cost of funding earning assets | 0.7193% | 1,623 |
| Net interest margin | 3.2145% | 3,319 |
| Noninterest income to average assets | 0.7142% | 1,816 |
| Noninterest expense to average assets | 2.3205% | 3,351 |
| Loan and lease loss provision to assets | 0.4915% | 517 |
| Net operating income to assets | 0.7440% | 3,281 |
| Return on assets (ROA) | 0.8105% | 3,170 |
| Pretax return on assets | 1.0167% | 2,989 |
| Return on Equity (ROE) | 6.9019% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.9019% | 1,426 |
| Net charge-offs to loans | 0.2092% | 828 |
| Credit loss provision to net charge-offs | 278.1132% | 1,808 |
| Earnings coverage of net charge-offs (x) | 8.0642% | 2,639 |
| Efficiency ratio | 61.9539% | 3,144 |
| Assets per employee ($millions) | 7.0145% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1869% | 3,019 |
| Loan loss allowance to noncurrent loans | 37.3971% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.6572% | 161 |
| Noncurrent loans to loans | 3.1739% | 259 |
| Net loans and leases to total assets | 82.3605% | 268 |
| Net loans and leases to deposits | 100.1681% | 371 |
| Net loans and leases to core deposits | 112.3391% | 447 |
| Total domestic deposits to total assets | 82.2223% | 3,616 |
| Equity capital to assets | 11.5317% | 1,860 |
| Core capital (leverage) ratio | 11.7271% | 1,355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,199,710,000 | 751 |
| Average earning assets | $1,131,349,600 | 733 |
| Average equity | $140,888,000 | 709 |
| Average total loans | $1,013,495,600 | 631 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0627% | 2,784 |
| Cost of funding earning assets | 0.7678% | 1,646 |
| Net interest margin | 3.2949% | 3,209 |
| Noninterest income to average assets | 0.7296% | 1,705 |
| Noninterest expense to average assets | 2.2689% | 3,501 |
| Loan and lease loss provision to assets | 0.4899% | 610 |
| Net operating income to assets | 0.8562% | 2,881 |
| Return on assets (ROA) | 0.9083% | 2,795 |
| Pretax return on assets | 1.1413% | 2,593 |
| Return on Equity (ROE) | 7.6977% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.6977% | 1,420 |
| Net charge-offs to loans | 0.0918% | 1,389 |
| Credit loss provision to net charge-offs | 629.5224% | 1,137 |
| Earnings coverage of net charge-offs (x) | 20.1259% | 1,913 |
| Efficiency ratio | 59.1631% | 3,500 |
| Assets per employee ($millions) | 6.8931% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 2,861 |
| Loan loss allowance to noncurrent loans | 69.9587% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 1.4398% | 614 |
| Noncurrent loans to loans | 1.6670% | 830 |
| Net loans and leases to total assets | 84.0591% | 272 |
| Net loans and leases to deposits | 103.3633% | 402 |
| Net loans and leases to core deposits | 116.0720% | 500 |
| Total domestic deposits to total assets | 81.3239% | 3,585 |
| Equity capital to assets | 11.5326% | 1,980 |
| Core capital (leverage) ratio | 11.8351% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,183,986,500 | 750 |
| Average earning assets | $1,115,888,250 | 732 |
| Average equity | $139,710,000 | 711 |
| Average total loans | $1,003,775,000 | 628 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1399% | 2,936 |
| Cost of funding earning assets | 0.8239% | 1,711 |
| Net interest margin | 3.3160% | 3,342 |
| Noninterest income to average assets | 0.6486% | 1,936 |
| Noninterest expense to average assets | 2.2402% | 3,684 |
| Loan and lease loss provision to assets | 0.4408% | 876 |
| Net operating income to assets | 0.8668% | 2,816 |
| Return on assets (ROA) | 0.9539% | 2,607 |
| Pretax return on assets | 1.2008% | 2,362 |
| Return on Equity (ROE) | 8.0192% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.0192% | 1,299 |
| Net charge-offs to loans | 0.1012% | 1,261 |
| Credit loss provision to net charge-offs | 514.6586% | 1,209 |
| Earnings coverage of net charge-offs (x) | 17.8775% | 1,800 |
| Efficiency ratio | 59.3971% | 3,504 |
| Assets per employee ($millions) | 6.8045% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,419 |
| Loan loss allowance to noncurrent loans | 60.5448% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.4599% | 651 |
| Noncurrent loans to loans | 1.6990% | 852 |
| Net loans and leases to total assets | 83.7491% | 273 |
| Net loans and leases to deposits | 102.7770% | 424 |
| Net loans and leases to core deposits | 115.2379% | 558 |
| Total domestic deposits to total assets | 81.4862% | 3,503 |
| Equity capital to assets | 11.4043% | 2,040 |
| Core capital (leverage) ratio | 12.0460% | 1,351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0243% | 1,054 |
| Memoranda: | ||
| Average total assets | $1,162,762,667 | 755 |
| Average earning assets | $1,095,061,667 | 731 |
| Average equity | $138,317,667 | 709 |
| Average total loans | $984,651,667 | 632 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3324% | 2,817 |
| Cost of funding earning assets | 0.9062% | 1,826 |
| Net interest margin | 3.4262% | 3,225 |
| Noninterest income to average assets | 0.5433% | 2,312 |
| Noninterest expense to average assets | 2.3731% | 3,599 |
| Loan and lease loss provision to assets | 0.3694% | 835 |
| Net operating income to assets | 0.8052% | 2,893 |
| Return on assets (ROA) | 0.5383% | 3,840 |
| Pretax return on assets | 0.6827% | 3,738 |
| Return on Equity (ROE) | 4.4250% | 3,842 |
| Retained earnings to average equity (ytd only) | 4.4250% | 2,525 |
| Net charge-offs to loans | 0.0025% | 2,505 |
| Credit loss provision to net charge-offs | 17,316.6667% | 41 |
| Earnings coverage of net charge-offs (x) | 651.5000% | 92 |
| Efficiency ratio | 63.0634% | 3,362 |
| Assets per employee ($millions) | 6.3284% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0146% | 3,630 |
| Loan loss allowance to noncurrent loans | 55.7857% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.6151% | 631 |
| Noncurrent loans to loans | 1.8188% | 821 |
| Net loans and leases to total assets | 83.9520% | 264 |
| Net loans and leases to deposits | 110.1482% | 184 |
| Net loans and leases to core deposits | 123.3963% | 378 |
| Total domestic deposits to total assets | 76.2174% | 4,460 |
| Equity capital to assets | 12.2063% | 1,918 |
| Core capital (leverage) ratio | 12.4639% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5108% | 1,235 |
| Memoranda: | ||
| Average total assets | $1,124,937,000 | 743 |
| Average earning assets | $1,057,148,500 | 727 |
| Average equity | $136,860,000 | 710 |
| Average total loans | $953,007,000 | 625 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5274% | 2,852 |
| Cost of funding earning assets | 0.9260% | 2,079 |
| Net interest margin | 3.6014% | 3,131 |
| Noninterest income to average assets | 0.6063% | 2,188 |
| Noninterest expense to average assets | 2.5914% | 3,201 |
| Loan and lease loss provision to assets | 0.0766% | 2,458 |
| Net operating income to assets | 1.0408% | 2,693 |
| Return on assets (ROA) | 1.0807% | 2,620 |
| Pretax return on assets | 1.3591% | 2,299 |
| Return on Equity (ROE) | 9.0663% | 2,722 |
| Retained earnings to average equity (ytd only) | 9.0663% | 692 |
| Net charge-offs to loans | 0.0834% | 1,921 |
| Credit loss provision to net charge-offs | 108.7013% | 2,292 |
| Earnings coverage of net charge-offs (x) | 19.6688% | 1,981 |
| Efficiency ratio | 65.1559% | 2,905 |
| Assets per employee ($millions) | 6.0059% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 3,870 |
| Loan loss allowance to noncurrent loans | 69.4422% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.2225% | 951 |
| Noncurrent loans to loans | 1.3277% | 1,129 |
| Net loans and leases to total assets | 83.8389% | 335 |
| Net loans and leases to deposits | 103.6928% | 388 |
| Net loans and leases to core deposits | 121.3511% | 442 |
| Total domestic deposits to total assets | 80.8531% | 3,799 |
| Equity capital to assets | 12.1252% | 2,061 |
| Core capital (leverage) ratio | 12.5712% | 1,447 |
| Tier 1 risk-based capital ratio | 16.3849% | 2,263 |
| Total risk-based capital ratio | 17.4528% | 2,277 |
| Memoranda: | ||
| Average total assets | $1,092,845,800 | 728 |
| Average earning assets | $1,022,898,600 | 710 |
| Average equity | $130,262,800 | 705 |
| Average total loans | $923,182,600 | 628 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5638% | 2,849 |
| Cost of funding earning assets | 0.9255% | 2,113 |
| Net interest margin | 3.6383% | 3,140 |
| Noninterest income to average assets | 0.6387% | 2,034 |
| Noninterest expense to average assets | 2.5454% | 3,311 |
| Loan and lease loss provision to assets | 0.0455% | 2,991 |
| Net operating income to assets | 1.1547% | 2,346 |
| Return on assets (ROA) | 1.1719% | 2,381 |
| Pretax return on assets | 1.4723% | 2,038 |
| Return on Equity (ROE) | 9.8752% | 2,486 |
| Retained earnings to average equity (ytd only) | 9.8752% | 785 |
| Net charge-offs to loans | 0.0741% | 1,761 |
| Credit loss provision to net charge-offs | 72.7451% | 2,588 |
| Earnings coverage of net charge-offs (x) | 23.9158% | 1,817 |
| Efficiency ratio | 62.9777% | 3,167 |
| Assets per employee ($millions) | 5.9927% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9167% | 3,978 |
| Loan loss allowance to noncurrent loans | 71.2885% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 1.3667% | 858 |
| Noncurrent loans to loans | 1.2859% | 1,208 |
| Net loans and leases to total assets | 83.8650% | 368 |
| Net loans and leases to deposits | 104.1354% | 405 |
| Net loans and leases to core deposits | 122.4341% | 462 |
| Total domestic deposits to total assets | 80.5346% | 3,863 |
| Equity capital to assets | 12.2670% | 2,062 |
| Core capital (leverage) ratio | 12.5451% | 1,549 |
| Tier 1 risk-based capital ratio | 16.3915% | 2,304 |
| Total risk-based capital ratio | 17.4512% | 2,294 |
| Memoranda: | ||
| Average total assets | $1,086,783,750 | 732 |
| Average earning assets | $1,016,522,250 | 716 |
| Average equity | $128,966,000 | 709 |
| Average total loans | $917,659,750 | 632 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5510% | 2,842 |
| Cost of funding earning assets | 0.9015% | 2,131 |
| Net interest margin | 3.6495% | 3,103 |
| Noninterest income to average assets | 0.6588% | 1,877 |
| Noninterest expense to average assets | 2.5793% | 3,249 |
| Loan and lease loss provision to assets | 0.0572% | 2,680 |
| Net operating income to assets | 1.1438% | 2,352 |
| Return on assets (ROA) | 1.1648% | 2,352 |
| Pretax return on assets | 1.4614% | 1,985 |
| Return on Equity (ROE) | 9.9283% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.9283% | 781 |
| Net charge-offs to loans | 0.0319% | 2,218 |
| Credit loss provision to net charge-offs | 212.3288% | 1,156 |
| Earnings coverage of net charge-offs (x) | 55.3767% | 1,033 |
| Efficiency ratio | 63.3466% | 3,237 |
| Assets per employee ($millions) | 6.0439% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9517% | 3,870 |
| Loan loss allowance to noncurrent loans | 74.7730% | 3,748 |
| Noncurrent assets plus other real estate owned to assets | 1.3074% | 966 |
| Noncurrent loans to loans | 1.2728% | 1,240 |
| Net loans and leases to total assets | 83.8333% | 369 |
| Net loans and leases to deposits | 105.1511% | 373 |
| Net loans and leases to core deposits | 122.7769% | 467 |
| Total domestic deposits to total assets | 79.7265% | 4,091 |
| Equity capital to assets | 11.9824% | 2,193 |
| Core capital (leverage) ratio | 12.3703% | 1,598 |
| Tier 1 risk-based capital ratio | 15.9677% | 2,430 |
| Total risk-based capital ratio | 17.0603% | 2,429 |
| Memoranda: | ||
| Average total assets | $1,083,489,000 | 732 |
| Average earning assets | $1,013,221,000 | 715 |
| Average equity | $127,112,000 | 712 |
| Average total loans | $914,136,330 | 628 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5365% | 2,742 |
| Cost of funding earning assets | 0.8692% | 2,162 |
| Net interest margin | 3.6674% | 3,015 |
| Noninterest income to average assets | 0.6574% | 1,796 |
| Noninterest expense to average assets | 2.6391% | 3,090 |
| Loan and lease loss provision to assets | 0.1150% | 1,532 |
| Net operating income to assets | 1.0588% | 2,626 |
| Return on assets (ROA) | 1.1170% | 2,452 |
| Pretax return on assets | 1.4023% | 2,073 |
| Return on Equity (ROE) | 9.6254% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.6254% | 1,125 |
| Net charge-offs to loans | 0.0092% | 2,360 |
| Credit loss provision to net charge-offs | 1,476.1905% | 274 |
| Earnings coverage of net charge-offs (x) | 185.4286% | 417 |
| Efficiency ratio | 64.6257% | 3,143 |
| Assets per employee ($millions) | 6.0151% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 3,810 |
| Loan loss allowance to noncurrent loans | 69.9843% | 3,880 |
| Noncurrent assets plus other real estate owned to assets | 1.4019% | 893 |
| Noncurrent loans to loans | 1.4044% | 1,149 |
| Net loans and leases to total assets | 83.6219% | 406 |
| Net loans and leases to deposits | 106.1864% | 318 |
| Net loans and leases to core deposits | 121.7919% | 488 |
| Total domestic deposits to total assets | 78.7501% | 4,396 |
| Equity capital to assets | 11.7863% | 2,167 |
| Core capital (leverage) ratio | 12.1660% | 1,687 |
| Tier 1 risk-based capital ratio | 15.7870% | 2,534 |
| Total risk-based capital ratio | 16.9130% | 2,508 |
| Memoranda: | ||
| Average total assets | $1,078,260,000 | 739 |
| Average earning assets | $1,007,375,000 | 722 |
| Average equity | $125,127,500 | 721 |
| Average total loans | $908,252,500 | 638 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3216% | 3,037 |
| Cost of funding earning assets | 0.7328% | 1,882 |
| Net interest margin | 3.5887% | 3,420 |
| Noninterest income to average assets | 0.6440% | 2,069 |
| Noninterest expense to average assets | 2.6939% | 3,044 |
| Loan and lease loss provision to assets | 0.0875% | 2,396 |
| Net operating income to assets | 0.9758% | 3,114 |
| Return on assets (ROA) | 1.0129% | 2,935 |
| Pretax return on assets | 1.2673% | 2,629 |
| Return on Equity (ROE) | 8.9922% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.9922% | 870 |
| Net charge-offs to loans | 0.0103% | 3,326 |
| Credit loss provision to net charge-offs | 1,003.2967% | 370 |
| Earnings coverage of net charge-offs (x) | 149.9670% | 563 |
| Efficiency ratio | 67.3087% | 2,654 |
| Assets per employee ($millions) | 6.1006% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 3,943 |
| Loan loss allowance to noncurrent loans | 104.1426% | 3,354 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 1,376 |
| Noncurrent loans to loans | 0.9153% | 1,753 |
| Net loans and leases to total assets | 83.2141% | 494 |
| Net loans and leases to deposits | 104.9211% | 427 |
| Net loans and leases to core deposits | 119.6162% | 558 |
| Total domestic deposits to total assets | 79.3111% | 4,250 |
| Equity capital to assets | 11.4234% | 2,314 |
| Core capital (leverage) ratio | 11.5643% | 2,050 |
| Tier 1 risk-based capital ratio | 15.1925% | 2,740 |
| Total risk-based capital ratio | 16.3889% | 2,698 |
| Memoranda: | ||
| Average total assets | $1,043,022,000 | 739 |
| Average earning assets | $976,057,800 | 721 |
| Average equity | $117,491,200 | 732 |
| Average total loans | $885,690,800 | 624 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2380% | 3,184 |
| Cost of funding earning assets | 0.6861% | 1,936 |
| Net interest margin | 3.5520% | 3,517 |
| Noninterest income to average assets | 0.6598% | 2,027 |
| Noninterest expense to average assets | 2.6542% | 3,111 |
| Loan and lease loss provision to assets | 0.0713% | 2,534 |
| Net operating income to assets | 1.0081% | 3,049 |
| Return on assets (ROA) | 1.0787% | 2,763 |
| Pretax return on assets | 1.3509% | 2,422 |
| Return on Equity (ROE) | 9.6114% | 2,793 |
| Retained earnings to average equity (ytd only) | 9.6114% | 1,023 |
| Net charge-offs to loans | -0.0056% | 4,245 |
| Credit loss provision to net charge-offs | -1,494.5946% | 4,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5503% | 2,776 |
| Assets per employee ($millions) | 6.2749% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 4,146 |
| Loan loss allowance to noncurrent loans | 82.4290% | 3,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0336% | 1,409 |
| Noncurrent loans to loans | 1.1257% | 1,510 |
| Net loans and leases to total assets | 84.2387% | 432 |
| Net loans and leases to deposits | 106.2467% | 430 |
| Net loans and leases to core deposits | 121.2555% | 538 |
| Total domestic deposits to total assets | 79.2859% | 4,262 |
| Equity capital to assets | 11.2292% | 2,448 |
| Core capital (leverage) ratio | 11.5085% | 2,161 |
| Tier 1 risk-based capital ratio | 15.2312% | 2,770 |
| Total risk-based capital ratio | 16.4375% | 2,722 |
| Memoranda: | ||
| Average total assets | $1,033,824,500 | 743 |
| Average earning assets | $968,757,250 | 727 |
| Average equity | $116,026,250 | 734 |
| Average total loans | $880,312,500 | 626 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1587% | 3,247 |
| Cost of funding earning assets | 0.6353% | 2,017 |
| Net interest margin | 3.5234% | 3,559 |
| Noninterest income to average assets | 0.6456% | 2,113 |
| Noninterest expense to average assets | 2.6555% | 3,150 |
| Loan and lease loss provision to assets | 0.0407% | 3,099 |
| Net operating income to assets | 1.0003% | 3,019 |
| Return on assets (ROA) | 1.0003% | 3,017 |
| Pretax return on assets | 1.2518% | 2,723 |
| Return on Equity (ROE) | 8.9150% | 3,065 |
| Retained earnings to average equity (ytd only) | 8.9150% | 1,246 |
| Net charge-offs to loans | -0.0415% | 4,856 |
| Credit loss provision to net charge-offs | -114.9171% | 4,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2626% | 2,770 |
| Assets per employee ($millions) | 6.1810% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 4,246 |
| Loan loss allowance to noncurrent loans | 83.3841% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.0468% | 1,429 |
| Noncurrent loans to loans | 1.1040% | 1,597 |
| Net loans and leases to total assets | 84.1430% | 448 |
| Net loans and leases to deposits | 110.0711% | 276 |
| Net loans and leases to core deposits | 117.7056% | 642 |
| Total domestic deposits to total assets | 76.4442% | 4,807 |
| Equity capital to assets | 11.1340% | 2,521 |
| Core capital (leverage) ratio | 11.5128% | 2,063 |
| Tier 1 risk-based capital ratio | 15.0849% | 2,834 |
| Total risk-based capital ratio | 16.2864% | 2,784 |
| Memoranda: | ||
| Average total assets | $1,022,853,330 | 750 |
| Average earning assets | $958,672,670 | 736 |
| Average equity | $114,773,000 | 739 |
| Average total loans | $871,409,330 | 633 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 3,320 |
| Cost of funding earning assets | 0.5985% | 2,064 |
| Net interest margin | 3.4772% | 3,617 |
| Noninterest income to average assets | 0.5475% | 2,530 |
| Noninterest expense to average assets | 2.7832% | 2,761 |
| Loan and lease loss provision to assets | -0.0555% | 5,470 |
| Net operating income to assets | 0.8600% | 3,456 |
| Return on assets (ROA) | 0.8600% | 3,470 |
| Pretax return on assets | 1.0768% | 3,256 |
| Return on Equity (ROE) | 7.6331% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.6331% | 1,977 |
| Net charge-offs to loans | -0.1482% | 5,314 |
| Credit loss provision to net charge-offs | 43.8871% | 1,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1555% | 2,018 |
| Assets per employee ($millions) | 5.9028% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9155% | 4,378 |
| Loan loss allowance to noncurrent loans | 79.8902% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.1859% | 1,288 |
| Noncurrent loans to loans | 1.1460% | 1,595 |
| Net loans and leases to total assets | 83.8696% | 450 |
| Net loans and leases to deposits | 110.0424% | 257 |
| Net loans and leases to core deposits | 117.4465% | 672 |
| Total domestic deposits to total assets | 76.2157% | 4,943 |
| Equity capital to assets | 11.0706% | 2,511 |
| Core capital (leverage) ratio | 11.6012% | 1,932 |
| Tier 1 risk-based capital ratio | 15.1573% | 2,801 |
| Total risk-based capital ratio | 16.3669% | 2,755 |
| Memoranda: | ||
| Average total assets | $1,008,892,500 | 758 |
| Average earning assets | $945,005,500 | 746 |
| Average equity | $113,663,000 | 750 |
| Average total loans | $860,929,500 | 638 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1224% | 2,977 |
| Cost of funding earning assets | 0.5846% | 1,713 |
| Net interest margin | 3.5378% | 3,389 |
| Noninterest income to average assets | 0.6904% | 2,004 |
| Noninterest expense to average assets | 2.6108% | 3,409 |
| Loan and lease loss provision to assets | 0.1404% | 1,625 |
| Net operating income to assets | 0.7182% | 3,525 |
| Return on assets (ROA) | 0.7141% | 3,594 |
| Pretax return on assets | 1.2529% | 2,540 |
| Return on Equity (ROE) | 6.4225% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.4225% | 1,322 |
| Net charge-offs to loans | 0.1071% | 2,001 |
| Credit loss provision to net charge-offs | 151.4754% | 1,762 |
| Earnings coverage of net charge-offs (x) | 15.1005% | 2,269 |
| Efficiency ratio | 65.1007% | 3,422 |
| Assets per employee ($millions) | 5.5326% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9234% | 4,353 |
| Loan loss allowance to noncurrent loans | 108.6190% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 1,596 |
| Noncurrent loans to loans | 0.8502% | 2,093 |
| Net loans and leases to total assets | 85.2628% | 318 |
| Net loans and leases to deposits | 105.6825% | 413 |
| Net loans and leases to core deposits | 112.4821% | 872 |
| Total domestic deposits to total assets | 80.6783% | 4,197 |
| Equity capital to assets | 11.4712% | 2,224 |
| Core capital (leverage) ratio | 11.3418% | 2,066 |
| Tier 1 risk-based capital ratio | 15.0583% | 2,826 |
| Total risk-based capital ratio | 16.2640% | 2,773 |
| Memoranda: | ||
| Average total assets | $987,188,400 | 753 |
| Average earning assets | $926,433,800 | 736 |
| Average equity | $109,771,000 | 746 |
| Average total loans | $854,641,800 | 615 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 3,074 |
| Cost of funding earning assets | 0.5807% | 1,667 |
| Net interest margin | 3.4937% | 3,523 |
| Noninterest income to average assets | 0.6819% | 2,076 |
| Noninterest expense to average assets | 2.4985% | 3,740 |
| Loan and lease loss provision to assets | 0.1471% | 1,425 |
| Net operating income to assets | 0.8887% | 3,080 |
| Return on assets (ROA) | 0.8887% | 3,132 |
| Pretax return on assets | 1.3190% | 2,399 |
| Return on Equity (ROE) | 8.0557% | 3,100 |
| Retained earnings to average equity (ytd only) | 8.0557% | 1,200 |
| Net charge-offs to loans | 0.1189% | 1,599 |
| Credit loss provision to net charge-offs | 142.6702% | 1,752 |
| Earnings coverage of net charge-offs (x) | 14.2173% | 2,303 |
| Efficiency ratio | 63.0192% | 3,706 |
| Assets per employee ($millions) | 5.8684% | 1,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 4,604 |
| Loan loss allowance to noncurrent loans | 87.8732% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0829% | 1,544 |
| Noncurrent loans to loans | 1.0153% | 1,916 |
| Net loans and leases to total assets | 85.0291% | 337 |
| Net loans and leases to deposits | 107.7255% | 350 |
| Net loans and leases to core deposits | 115.5686% | 765 |
| Total domestic deposits to total assets | 78.9313% | 4,541 |
| Equity capital to assets | 11.2084% | 2,660 |
| Core capital (leverage) ratio | 11.5025% | 2,016 |
| Tier 1 risk-based capital ratio | 15.2999% | 2,793 |
| Total risk-based capital ratio | 16.4928% | 2,751 |
| Memoranda: | ||
| Average total assets | $987,787,000 | 752 |
| Average earning assets | $928,129,000 | 734 |
| Average equity | $108,971,750 | 754 |
| Average total loans | $856,430,000 | 613 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 2,918 |
| Cost of funding earning assets | 0.5779% | 1,591 |
| Net interest margin | 3.4966% | 3,414 |
| Noninterest income to average assets | 0.6672% | 2,138 |
| Noninterest expense to average assets | 2.4701% | 3,850 |
| Loan and lease loss provision to assets | 0.1325% | 1,570 |
| Net operating income to assets | 0.9095% | 2,867 |
| Return on assets (ROA) | 0.9095% | 2,917 |
| Pretax return on assets | 1.3542% | 2,194 |
| Return on Equity (ROE) | 8.2891% | 2,876 |
| Retained earnings to average equity (ytd only) | 8.2891% | 1,058 |
| Net charge-offs to loans | 0.1385% | 1,327 |
| Credit loss provision to net charge-offs | 109.9662% | 1,893 |
| Earnings coverage of net charge-offs (x) | 12.3378% | 2,201 |
| Efficiency ratio | 62.4261% | 3,917 |
| Assets per employee ($millions) | 5.7883% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8622% | 4,781 |
| Loan loss allowance to noncurrent loans | 94.6267% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 1,998 |
| Noncurrent loans to loans | 0.9111% | 2,150 |
| Net loans and leases to total assets | 86.1292% | 264 |
| Net loans and leases to deposits | 109.6621% | 268 |
| Net loans and leases to core deposits | 118.0231% | 640 |
| Total domestic deposits to total assets | 78.5406% | 4,718 |
| Equity capital to assets | 11.1396% | 2,665 |
| Core capital (leverage) ratio | 11.2971% | 2,130 |
| Tier 1 risk-based capital ratio | 15.0209% | 2,916 |
| Total risk-based capital ratio | 16.1747% | 2,892 |
| Memoranda: | ||
| Average total assets | $982,553,330 | 760 |
| Average earning assets | $924,387,670 | 740 |
| Average equity | $107,804,000 | 763 |
| Average total loans | $854,927,330 | 617 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0375% | 2,909 |
| Cost of funding earning assets | 0.5785% | 1,523 |
| Net interest margin | 3.4590% | 3,424 |
| Noninterest income to average assets | 0.5864% | 2,480 |
| Noninterest expense to average assets | 2.4304% | 4,031 |
| Loan and lease loss provision to assets | 0.1512% | 1,223 |
| Net operating income to assets | 0.8483% | 2,998 |
| Return on assets (ROA) | 0.8483% | 3,041 |
| Pretax return on assets | 1.2642% | 2,373 |
| Return on Equity (ROE) | 7.7916% | 3,028 |
| Retained earnings to average equity (ytd only) | 7.7916% | 1,547 |
| Net charge-offs to loans | 0.1656% | 980 |
| Credit loss provision to net charge-offs | 104.8159% | 1,516 |
| Earnings coverage of net charge-offs (x) | 9.8130% | 1,972 |
| Efficiency ratio | 63.1959% | 3,957 |
| Assets per employee ($millions) | 5.9561% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,889 |
| Loan loss allowance to noncurrent loans | 67.2873% | 4,261 |
| Noncurrent assets plus other real estate owned to assets | 1.2127% | 1,447 |
| Noncurrent loans to loans | 1.2812% | 1,573 |
| Net loans and leases to total assets | 85.7462% | 243 |
| Net loans and leases to deposits | 111.7154% | 180 |
| Net loans and leases to core deposits | 119.1441% | 484 |
| Total domestic deposits to total assets | 76.7542% | 5,145 |
| Equity capital to assets | 10.8857% | 2,760 |
| Core capital (leverage) ratio | 11.0943% | 2,273 |
| Tier 1 risk-based capital ratio | 14.8676% | 3,036 |
| Total risk-based capital ratio | 16.0223% | 3,004 |
| Memoranda: | ||
| Average total assets | $978,933,000 | 770 |
| Average earning assets | $922,455,000 | 744 |
| Average equity | $106,576,500 | 766 |
| Average total loans | $852,433,000 | 622 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 2,027 |
| Cost of funding earning assets | 0.6686% | 958 |
| Net interest margin | 3.6677% | 2,828 |
| Noninterest income to average assets | 0.7382% | 2,001 |
| Noninterest expense to average assets | 2.6768% | 3,429 |
| Loan and lease loss provision to assets | 0.1168% | 2,115 |
| Net operating income to assets | 0.9661% | 2,506 |
| Return on assets (ROA) | 1.3459% | 1,162 |
| Pretax return on assets | 1.9652% | 545 |
| Return on Equity (ROE) | 12.8405% | 1,030 |
| Retained earnings to average equity (ytd only) | 12.8405% | 178 |
| Net charge-offs to loans | 0.1265% | 1,983 |
| Credit loss provision to net charge-offs | 106.9971% | 2,439 |
| Earnings coverage of net charge-offs (x) | 13.9553% | 2,329 |
| Efficiency ratio | 63.7273% | 3,989 |
| Assets per employee ($millions) | 5.9825% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 4,912 |
| Loan loss allowance to noncurrent loans | 83.8463% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.9985% | 1,900 |
| Noncurrent loans to loans | 1.0323% | 2,012 |
| Net loans and leases to total assets | 86.9166% | 186 |
| Net loans and leases to deposits | 112.3155% | 181 |
| Net loans and leases to core deposits | 119.2249% | 506 |
| Total domestic deposits to total assets | 77.3861% | 5,065 |
| Equity capital to assets | 10.8883% | 2,726 |
| Core capital (leverage) ratio | 11.1518% | 2,203 |
| Tier 1 risk-based capital ratio | 14.8475% | 3,030 |
| Total risk-based capital ratio | 16.0125% | 3,014 |
| Memoranda: | ||
| Average total assets | $942,521,200 | 763 |
| Average earning assets | $889,678,200 | 739 |
| Average equity | $98,788,800 | 798 |
| Average total loans | $813,478,000 | 621 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 2,735 |
| Cost of funding earning assets | 0.6802% | 904 |
| Net interest margin | 3.4567% | 3,643 |
| Noninterest income to average assets | 0.7491% | 1,968 |
| Noninterest expense to average assets | 2.5717% | 3,759 |
| Loan and lease loss provision to assets | 0.0953% | 2,314 |
| Net operating income to assets | 0.8950% | 2,934 |
| Return on assets (ROA) | 0.8950% | 3,067 |
| Pretax return on assets | 1.3418% | 2,266 |
| Return on Equity (ROE) | 8.6255% | 2,700 |
| Retained earnings to average equity (ytd only) | 8.6255% | 933 |
| Net charge-offs to loans | 0.1626% | 1,400 |
| Credit loss provision to net charge-offs | 68.1957% | 2,820 |
| Earnings coverage of net charge-offs (x) | 10.2823% | 2,589 |
| Efficiency ratio | 64.1517% | 3,905 |
| Assets per employee ($millions) | 6.0572% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8390% | 5,075 |
| Loan loss allowance to noncurrent loans | 80.8888% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 1.3014% | 1,477 |
| Noncurrent loans to loans | 1.0372% | 2,167 |
| Net loans and leases to total assets | 86.0906% | 251 |
| Net loans and leases to deposits | 112.4561% | 215 |
| Net loans and leases to core deposits | 119.1126% | 533 |
| Total domestic deposits to total assets | 76.5549% | 5,162 |
| Equity capital to assets | 10.5310% | 3,530 |
| Core capital (leverage) ratio | 10.6110% | 2,861 |
| Tier 1 risk-based capital ratio | 14.0864% | 3,513 |
| Total risk-based capital ratio | 15.1806% | 3,519 |
| Memoranda: | ||
| Average total assets | $935,861,500 | 768 |
| Average earning assets | $882,513,250 | 746 |
| Average equity | $97,104,750 | 816 |
| Average total loans | $804,418,500 | 625 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 2,716 |
| Cost of funding earning assets | 0.6898% | 848 |
| Net interest margin | 3.4510% | 3,677 |
| Noninterest income to average assets | 0.7388% | 1,978 |
| Noninterest expense to average assets | 2.5943% | 3,742 |
| Loan and lease loss provision to assets | 0.1049% | 2,106 |
| Net operating income to assets | 0.8590% | 3,054 |
| Return on assets (ROA) | 0.8590% | 3,178 |
| Pretax return on assets | 1.2911% | 2,447 |
| Return on Equity (ROE) | 8.3210% | 2,825 |
| Retained earnings to average equity (ytd only) | 8.3210% | 1,064 |
| Net charge-offs to loans | 0.0945% | 1,897 |
| Credit loss provision to net charge-offs | 129.5213% | 1,774 |
| Earnings coverage of net charge-offs (x) | 17.2420% | 1,883 |
| Efficiency ratio | 65.0154% | 3,848 |
| Assets per employee ($millions) | 5.5363% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 4,911 |
| Loan loss allowance to noncurrent loans | 102.4383% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.1895% | 1,747 |
| Noncurrent loans to loans | 0.8918% | 2,503 |
| Net loans and leases to total assets | 85.2108% | 315 |
| Net loans and leases to deposits | 112.9773% | 191 |
| Net loans and leases to core deposits | 118.3071% | 559 |
| Total domestic deposits to total assets | 75.4229% | 5,364 |
| Equity capital to assets | 10.4526% | 3,689 |
| Core capital (leverage) ratio | 10.5380% | 2,926 |
| Tier 1 risk-based capital ratio | 14.0791% | 3,557 |
| Total risk-based capital ratio | 15.2501% | 3,520 |
| Memoranda: | ||
| Average total assets | $928,804,670 | 776 |
| Average earning assets | $875,096,670 | 752 |
| Average equity | $95,878,000 | 827 |
| Average total loans | $795,596,000 | 628 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,510 |
| Cost of funding earning assets | 0.7105% | 765 |
| Net interest margin | 3.4790% | 3,559 |
| Noninterest income to average assets | 0.6070% | 2,492 |
| Noninterest expense to average assets | 2.5978% | 3,757 |
| Loan and lease loss provision to assets | 0.0975% | 2,068 |
| Net operating income to assets | 0.7899% | 3,298 |
| Return on assets (ROA) | 0.7899% | 3,399 |
| Pretax return on assets | 1.1870% | 2,753 |
| Return on Equity (ROE) | 7.7017% | 3,085 |
| Retained earnings to average equity (ytd only) | 7.7017% | 1,591 |
| Net charge-offs to loans | 0.0228% | 2,476 |
| Credit loss provision to net charge-offs | 500.0000% | 597 |
| Earnings coverage of net charge-offs (x) | 65.8444% | 730 |
| Efficiency ratio | 66.9123% | 3,646 |
| Assets per employee ($millions) | 5.5411% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 4,909 |
| Loan loss allowance to noncurrent loans | 113.1958% | 3,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1948% | 1,834 |
| Noncurrent loans to loans | 0.8293% | 2,766 |
| Net loans and leases to total assets | 85.1068% | 287 |
| Net loans and leases to deposits | 113.5047% | 157 |
| Net loans and leases to core deposits | 119.1379% | 490 |
| Total domestic deposits to total assets | 74.9809% | 5,524 |
| Equity capital to assets | 10.3442% | 3,691 |
| Core capital (leverage) ratio | 10.4338% | 3,032 |
| Tier 1 risk-based capital ratio | 13.9094% | 3,749 |
| Total risk-based capital ratio | 15.0963% | 3,726 |
| Memoranda: | ||
| Average total assets | $922,624,500 | 783 |
| Average earning assets | $868,640,500 | 762 |
| Average equity | $94,629,000 | 836 |
| Average total loans | $788,710,000 | 628 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 3,023 |
| Cost of funding earning assets | 0.7350% | 687 |
| Net interest margin | 3.3378% | 4,158 |
| Noninterest income to average assets | 0.7171% | 2,119 |
| Noninterest expense to average assets | 2.6546% | 3,745 |
| Loan and lease loss provision to assets | 0.1702% | 1,347 |
| Net operating income to assets | 0.6891% | 3,868 |
| Return on assets (ROA) | 0.6928% | 3,956 |
| Pretax return on assets | 1.0412% | 3,304 |
| Return on Equity (ROE) | 6.8823% | 3,576 |
| Retained earnings to average equity (ytd only) | 6.8823% | 1,331 |
| Net charge-offs to loans | 0.1881% | 1,539 |
| Credit loss provision to net charge-offs | 106.3282% | 2,366 |
| Earnings coverage of net charge-offs (x) | 7.5327% | 3,070 |
| Efficiency ratio | 68.7650% | 3,438 |
| Assets per employee ($millions) | 5.7855% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9308% | 4,967 |
| Loan loss allowance to noncurrent loans | 107.5617% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2798% | 1,667 |
| Noncurrent loans to loans | 0.8654% | 2,620 |
| Net loans and leases to total assets | 84.2634% | 367 |
| Net loans and leases to deposits | 110.3127% | 232 |
| Net loans and leases to core deposits | 115.9191% | 602 |
| Total domestic deposits to total assets | 76.3859% | 5,404 |
| Equity capital to assets | 10.1683% | 3,784 |
| Core capital (leverage) ratio | 10.3197% | 3,135 |
| Tier 1 risk-based capital ratio | 13.7197% | 3,878 |
| Total risk-based capital ratio | 14.9027% | 3,848 |
| Memoranda: | ||
| Average total assets | $898,325,800 | 764 |
| Average earning assets | $845,983,200 | 745 |
| Average equity | $90,434,400 | 842 |
| Average total loans | $764,327,200 | 609 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,098 |
| Cost of funding earning assets | 0.7372% | 694 |
| Net interest margin | 3.3238% | 4,243 |
| Noninterest income to average assets | 0.7327% | 2,095 |
| Noninterest expense to average assets | 2.5654% | 4,001 |
| Loan and lease loss provision to assets | 0.1266% | 1,783 |
| Net operating income to assets | 0.7772% | 3,539 |
| Return on assets (ROA) | 0.7821% | 3,602 |
| Pretax return on assets | 1.1799% | 2,893 |
| Return on Equity (ROE) | 7.7893% | 3,196 |
| Retained earnings to average equity (ytd only) | 7.7893% | 1,335 |
| Net charge-offs to loans | 0.1646% | 1,507 |
| Credit loss provision to net charge-offs | 90.4051% | 2,467 |
| Earnings coverage of net charge-offs (x) | 9.2750% | 2,715 |
| Efficiency ratio | 66.3846% | 3,820 |
| Assets per employee ($millions) | 5.6414% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 5,133 |
| Loan loss allowance to noncurrent loans | 69.6138% | 4,430 |
| Noncurrent assets plus other real estate owned to assets | 1.2306% | 1,906 |
| Noncurrent loans to loans | 1.3187% | 1,934 |
| Net loans and leases to total assets | 84.3972% | 356 |
| Net loans and leases to deposits | 112.3699% | 199 |
| Net loans and leases to core deposits | 118.1060% | 526 |
| Total domestic deposits to total assets | 75.1066% | 5,613 |
| Equity capital to assets | 10.2912% | 3,826 |
| Core capital (leverage) ratio | 10.4443% | 3,110 |
| Tier 1 risk-based capital ratio | 13.9475% | 3,875 |
| Total risk-based capital ratio | 15.1343% | 3,857 |
| Memoranda: | ||
| Average total assets | $892,934,500 | 780 |
| Average earning assets | $841,334,250 | 757 |
| Average equity | $89,658,750 | 857 |
| Average total loans | $759,805,500 | 612 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0607% | 3,043 |
| Cost of funding earning assets | 0.7416% | 680 |
| Net interest margin | 3.3191% | 4,214 |
| Noninterest income to average assets | 0.7490% | 1,995 |
| Noninterest expense to average assets | 2.5151% | 4,193 |
| Loan and lease loss provision to assets | 0.1277% | 1,741 |
| Net operating income to assets | 0.8141% | 3,312 |
| Return on assets (ROA) | 0.8216% | 3,375 |
| Pretax return on assets | 1.2419% | 2,585 |
| Return on Equity (ROE) | 8.2523% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.2523% | 1,166 |
| Net charge-offs to loans | 0.2243% | 1,141 |
| Credit loss provision to net charge-offs | 66.9421% | 2,504 |
| Earnings coverage of net charge-offs (x) | 7.1192% | 2,705 |
| Efficiency ratio | 64.9317% | 4,204 |
| Assets per employee ($millions) | 5.7615% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9132% | 5,253 |
| Loan loss allowance to noncurrent loans | 64.9258% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.3314% | 1,887 |
| Noncurrent loans to loans | 1.4065% | 1,914 |
| Net loans and leases to total assets | 83.9844% | 375 |
| Net loans and leases to deposits | 109.5329% | 270 |
| Net loans and leases to core deposits | 115.2654% | 617 |
| Total domestic deposits to total assets | 76.6750% | 5,506 |
| Equity capital to assets | 10.2319% | 3,772 |
| Core capital (leverage) ratio | 10.3493% | 3,147 |
| Tier 1 risk-based capital ratio | 13.5753% | 4,173 |
| Total risk-based capital ratio | 14.7201% | 4,171 |
| Memoranda: | ||
| Average total assets | $887,823,000 | 788 |
| Average earning assets | $835,759,330 | 770 |
| Average equity | $88,387,670 | 873 |
| Average total loans | $755,188,670 | 617 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 2,902 |
| Cost of funding earning assets | 0.7451% | 679 |
| Net interest margin | 3.3390% | 4,063 |
| Noninterest income to average assets | 0.8328% | 1,592 |
| Noninterest expense to average assets | 2.4767% | 4,336 |
| Loan and lease loss provision to assets | 0.0601% | 2,727 |
| Net operating income to assets | 0.9498% | 2,511 |
| Return on assets (ROA) | 0.9647% | 2,558 |
| Pretax return on assets | 1.4613% | 1,694 |
| Return on Equity (ROE) | 9.8280% | 2,083 |
| Retained earnings to average equity (ytd only) | 9.8280% | 970 |
| Net charge-offs to loans | 0.1835% | 1,194 |
| Credit loss provision to net charge-offs | 38.4393% | 2,198 |
| Earnings coverage of net charge-offs (x) | 9.5867% | 1,999 |
| Efficiency ratio | 62.2982% | 4,752 |
| Assets per employee ($millions) | 5.3706% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9302% | 5,331 |
| Loan loss allowance to noncurrent loans | 62.4743% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 1,897 |
| Noncurrent loans to loans | 1.4890% | 1,901 |
| Net loans and leases to total assets | 83.8762% | 315 |
| Net loans and leases to deposits | 110.0866% | 220 |
| Net loans and leases to core deposits | 116.3997% | 514 |
| Total domestic deposits to total assets | 76.1911% | 5,720 |
| Equity capital to assets | 9.9305% | 4,222 |
| Core capital (leverage) ratio | 10.1788% | 3,367 |
| Tier 1 risk-based capital ratio | 13.9917% | 4,026 |
| Total risk-based capital ratio | 15.1933% | 3,982 |
| Memoranda: | ||
| Average total assets | $885,218,000 | 791 |
| Average earning assets | $833,173,000 | 770 |
| Average equity | $86,894,500 | 887 |
| Average total loans | $754,323,000 | 613 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 3,084 |
| Cost of funding earning assets | 0.7410% | 889 |
| Net interest margin | 3.4189% | 4,117 |
| Noninterest income to average assets | 0.6334% | 2,655 |
| Noninterest expense to average assets | 2.8131% | 3,428 |
| Loan and lease loss provision to assets | 0.0997% | 2,496 |
| Net operating income to assets | 0.6251% | 4,252 |
| Return on assets (ROA) | 0.6375% | 4,303 |
| Pretax return on assets | 0.9524% | 3,680 |
| Return on Equity (ROE) | 6.2648% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.2648% | 1,775 |
| Net charge-offs to loans | 0.0481% | 3,862 |
| Credit loss provision to net charge-offs | 244.7977% | 1,042 |
| Earnings coverage of net charge-offs (x) | 25.3671% | 1,500 |
| Efficiency ratio | 73.1319% | 2,999 |
| Assets per employee ($millions) | 5.2016% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9483% | 5,297 |
| Loan loss allowance to noncurrent loans | 66.5125% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5940% | 1,695 |
| Noncurrent loans to loans | 1.4258% | 2,061 |
| Net loans and leases to total assets | 84.9506% | 278 |
| Net loans and leases to deposits | 111.9920% | 196 |
| Net loans and leases to core deposits | 118.3318% | 451 |
| Total domestic deposits to total assets | 75.8541% | 5,752 |
| Equity capital to assets | 9.7016% | 4,469 |
| Core capital (leverage) ratio | 10.0510% | 3,499 |
| Tier 1 risk-based capital ratio | 14.3129% | 3,890 |
| Total risk-based capital ratio | 15.6264% | 3,788 |
| Memoranda: | ||
| Average total assets | $849,226,000 | 792 |
| Average earning assets | $798,159,800 | 762 |
| Average equity | $86,419,200 | 855 |
| Average total loans | $719,134,600 | 604 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1499% | 3,171 |
| Cost of funding earning assets | 0.7409% | 940 |
| Net interest margin | 3.4090% | 4,198 |
| Noninterest income to average assets | 0.6844% | 2,407 |
| Noninterest expense to average assets | 2.7928% | 3,490 |
| Loan and lease loss provision to assets | 0.2100% | 1,106 |
| Net operating income to assets | 0.5877% | 4,494 |
| Return on assets (ROA) | 0.6066% | 4,503 |
| Pretax return on assets | 0.9146% | 3,928 |
| Return on Equity (ROE) | 5.8890% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.8890% | 2,472 |
| Net charge-offs to loans | 0.2757% | 1,423 |
| Credit loss provision to net charge-offs | 90.2522% | 2,427 |
| Earnings coverage of net charge-offs (x) | 4.7089% | 3,394 |
| Efficiency ratio | 71.8190% | 3,217 |
| Assets per employee ($millions) | 4.9661% | 2,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8864% | 5,642 |
| Loan loss allowance to noncurrent loans | 63.1315% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 1.5193% | 2,027 |
| Noncurrent loans to loans | 1.4040% | 2,311 |
| Net loans and leases to total assets | 84.7355% | 277 |
| Net loans and leases to deposits | 110.5006% | 205 |
| Net loans and leases to core deposits | 116.5525% | 484 |
| Total domestic deposits to total assets | 76.6833% | 5,731 |
| Equity capital to assets | 10.2831% | 3,806 |
| Core capital (leverage) ratio | 10.0853% | 3,550 |
| Tier 1 risk-based capital ratio | 14.3910% | 3,949 |
| Total risk-based capital ratio | 15.6254% | 3,903 |
| Memoranda: | ||
| Average total assets | $840,462,750 | 807 |
| Average earning assets | $790,016,250 | 777 |
| Average equity | $86,576,750 | 857 |
| Average total loans | $709,320,250 | 611 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1167% | 3,271 |
| Cost of funding earning assets | 0.7434% | 951 |
| Net interest margin | 3.3734% | 4,297 |
| Noninterest income to average assets | 0.5955% | 2,841 |
| Noninterest expense to average assets | 2.7651% | 3,639 |
| Loan and lease loss provision to assets | 0.1732% | 1,415 |
| Net operating income to assets | 0.5490% | 4,608 |
| Return on assets (ROA) | 0.5777% | 4,565 |
| Pretax return on assets | 0.8717% | 3,988 |
| Return on Equity (ROE) | 5.6050% | 4,384 |
| Retained earnings to average equity (ytd only) | 5.6050% | 2,576 |
| Net charge-offs to loans | 0.1738% | 2,003 |
| Credit loss provision to net charge-offs | 118.5855% | 1,736 |
| Earnings coverage of net charge-offs (x) | 6.8569% | 2,711 |
| Efficiency ratio | 73.4120% | 3,081 |
| Assets per employee ($millions) | 4.9837% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 5,581 |
| Loan loss allowance to noncurrent loans | 46.9209% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 1.9198% | 1,682 |
| Noncurrent loans to loans | 2.0163% | 1,678 |
| Net loans and leases to total assets | 83.5947% | 331 |
| Net loans and leases to deposits | 105.5525% | 317 |
| Net loans and leases to core deposits | 111.0892% | 645 |
| Total domestic deposits to total assets | 79.1973% | 5,415 |
| Equity capital to assets | 10.2768% | 3,725 |
| Core capital (leverage) ratio | 10.0869% | 3,490 |
| Tier 1 risk-based capital ratio | 14.3715% | 4,013 |
| Total risk-based capital ratio | 15.6615% | 3,922 |
| Memoranda: | ||
| Average total assets | $832,583,330 | 816 |
| Average earning assets | $782,663,670 | 787 |
| Average equity | $85,817,000 | 859 |
| Average total loans | $699,511,000 | 616 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1692% | 2,990 |
| Cost of funding earning assets | 0.7402% | 1,012 |
| Net interest margin | 3.4289% | 3,988 |
| Noninterest income to average assets | 0.5853% | 2,821 |
| Noninterest expense to average assets | 2.7838% | 3,627 |
| Loan and lease loss provision to assets | 0.1886% | 1,264 |
| Net operating income to assets | 0.5498% | 4,459 |
| Return on assets (ROA) | 0.5498% | 4,530 |
| Pretax return on assets | 0.8357% | 3,957 |
| Return on Equity (ROE) | 5.3264% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.3264% | 2,905 |
| Net charge-offs to loans | 0.1096% | 2,084 |
| Credit loss provision to net charge-offs | 205.2910% | 1,017 |
| Earnings coverage of net charge-offs (x) | 11.1481% | 1,801 |
| Efficiency ratio | 73.1010% | 3,297 |
| Assets per employee ($millions) | 4.8368% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9916% | 5,563 |
| Loan loss allowance to noncurrent loans | 51.9686% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 1.8143% | 1,928 |
| Noncurrent loans to loans | 1.9080% | 1,980 |
| Net loans and leases to total assets | 83.1792% | 284 |
| Net loans and leases to deposits | 103.8619% | 295 |
| Net loans and leases to core deposits | 109.2479% | 616 |
| Total domestic deposits to total assets | 80.0863% | 5,467 |
| Equity capital to assets | 10.3689% | 3,370 |
| Core capital (leverage) ratio | 10.2027% | 3,288 |
| Tier 1 risk-based capital ratio | 14.5822% | 3,955 |
| Total risk-based capital ratio | 15.9250% | 3,856 |
| Memoranda: | ||
| Average total assets | $822,770,000 | 832 |
| Average earning assets | $773,298,500 | 799 |
| Average equity | $84,935,500 | 865 |
| Average total loans | $689,663,500 | 628 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 3,352 |
| Cost of funding earning assets | 0.7698% | 1,379 |
| Net interest margin | 3.4284% | 4,170 |
| Noninterest income to average assets | 0.6998% | 2,542 |
| Noninterest expense to average assets | 2.9880% | 3,084 |
| Loan and lease loss provision to assets | 0.2440% | 1,479 |
| Net operating income to assets | 0.4483% | 4,961 |
| Return on assets (ROA) | 0.4716% | 5,000 |
| Pretax return on assets | 0.7230% | 4,449 |
| Return on Equity (ROE) | 4.6911% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.6911% | 2,819 |
| Net charge-offs to loans | 0.3314% | 2,021 |
| Credit loss provision to net charge-offs | 88.6332% | 2,799 |
| Earnings coverage of net charge-offs (x) | 3.3820% | 3,869 |
| Efficiency ratio | 76.2399% | 2,736 |
| Assets per employee ($millions) | 4.8429% | 2,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 5,675 |
| Loan loss allowance to noncurrent loans | 48.3838% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.9162% | 1,885 |
| Noncurrent loans to loans | 2.0204% | 1,967 |
| Net loans and leases to total assets | 82.8125% | 339 |
| Net loans and leases to deposits | 102.7757% | 367 |
| Net loans and leases to core deposits | 108.0324% | 697 |
| Total domestic deposits to total assets | 80.5760% | 5,298 |
| Equity capital to assets | 10.2768% | 3,414 |
| Core capital (leverage) ratio | 10.1408% | 3,377 |
| Tier 1 risk-based capital ratio | 14.4508% | 3,984 |
| Total risk-based capital ratio | 15.7652% | 3,881 |
| Memoranda: | ||
| Average total assets | $789,197,000 | 843 |
| Average earning assets | $741,068,600 | 817 |
| Average equity | $79,341,200 | 899 |
| Average total loans | $655,705,800 | 643 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1815% | 3,454 |
| Cost of funding earning assets | 0.7737% | 1,464 |
| Net interest margin | 3.4078% | 4,255 |
| Noninterest income to average assets | 0.7232% | 2,495 |
| Noninterest expense to average assets | 2.9717% | 3,073 |
| Loan and lease loss provision to assets | 0.2858% | 1,205 |
| Net operating income to assets | 0.4379% | 5,080 |
| Return on assets (ROA) | 0.4698% | 5,081 |
| Pretax return on assets | 0.7135% | 4,644 |
| Return on Equity (ROE) | 4.7003% | 4,872 |
| Retained earnings to average equity (ytd only) | 4.7003% | 3,310 |
| Net charge-offs to loans | 0.3298% | 1,894 |
| Credit loss provision to net charge-offs | 104.4888% | 2,241 |
| Earnings coverage of net charge-offs (x) | 3.4769% | 3,688 |
| Efficiency ratio | 75.7564% | 2,759 |
| Assets per employee ($millions) | 4.9517% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 5,518 |
| Loan loss allowance to noncurrent loans | 50.4026% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 2.2383% | 1,772 |
| Noncurrent loans to loans | 2.0887% | 2,143 |
| Net loans and leases to total assets | 82.1341% | 360 |
| Net loans and leases to deposits | 102.2528% | 369 |
| Net loans and leases to core deposits | 107.7056% | 679 |
| Total domestic deposits to total assets | 80.3245% | 5,421 |
| Equity capital to assets | 9.8650% | 4,089 |
| Core capital (leverage) ratio | 10.4521% | 3,057 |
| Tier 1 risk-based capital ratio | 14.8063% | 3,870 |
| Total risk-based capital ratio | 16.1552% | 3,764 |
| Memoranda: | ||
| Average total assets | $781,885,000 | 860 |
| Average earning assets | $734,099,500 | 829 |
| Average equity | $78,149,000 | 924 |
| Average total loans | $648,515,750 | 649 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 3,204 |
| Cost of funding earning assets | 0.7925% | 1,454 |
| Net interest margin | 3.4435% | 4,028 |
| Noninterest income to average assets | 0.7240% | 2,527 |
| Noninterest expense to average assets | 2.9897% | 3,033 |
| Loan and lease loss provision to assets | 0.3065% | 1,166 |
| Net operating income to assets | 0.4335% | 5,093 |
| Return on assets (ROA) | 0.4817% | 5,055 |
| Pretax return on assets | 0.7318% | 4,568 |
| Return on Equity (ROE) | 4.7982% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.7982% | 3,187 |
| Net charge-offs to loans | 0.4804% | 1,374 |
| Credit loss provision to net charge-offs | 76.9430% | 2,683 |
| Earnings coverage of net charge-offs (x) | 2.4229% | 3,713 |
| Efficiency ratio | 75.5937% | 2,842 |
| Assets per employee ($millions) | 4.6283% | 2,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0165% | 5,752 |
| Loan loss allowance to noncurrent loans | 47.5132% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 2.4660% | 1,719 |
| Noncurrent loans to loans | 2.1393% | 2,239 |
| Net loans and leases to total assets | 81.9447% | 361 |
| Net loans and leases to deposits | 97.6360% | 562 |
| Net loans and leases to core deposits | 102.9167% | 888 |
| Total domestic deposits to total assets | 83.9288% | 4,349 |
| Equity capital to assets | 9.9795% | 3,940 |
| Core capital (leverage) ratio | 10.4760% | 2,907 |
| Tier 1 risk-based capital ratio | 15.1517% | 3,677 |
| Total risk-based capital ratio | 16.4967% | 3,586 |
| Memoranda: | ||
| Average total assets | $775,122,670 | 868 |
| Average earning assets | $727,289,670 | 841 |
| Average equity | $77,820,670 | 931 |
| Average total loans | $642,732,000 | 653 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2884% | 2,933 |
| Cost of funding earning assets | 0.8313% | 1,357 |
| Net interest margin | 3.4571% | 3,869 |
| Noninterest income to average assets | 0.8844% | 1,814 |
| Noninterest expense to average assets | 3.0814% | 2,728 |
| Loan and lease loss provision to assets | 0.5158% | 514 |
| Net operating income to assets | 0.3489% | 5,355 |
| Return on assets (ROA) | 0.3489% | 5,499 |
| Pretax return on assets | 0.5319% | 5,173 |
| Return on Equity (ROE) | 3.4645% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.4645% | 4,174 |
| Net charge-offs to loans | 0.0993% | 2,863 |
| Credit loss provision to net charge-offs | 625.7862% | 437 |
| Earnings coverage of net charge-offs (x) | 12.7107% | 1,578 |
| Efficiency ratio | 74.6265% | 3,149 |
| Assets per employee ($millions) | 4.6701% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 5,089 |
| Loan loss allowance to noncurrent loans | 43.4569% | 5,457 |
| Noncurrent assets plus other real estate owned to assets | 3.0596% | 1,457 |
| Noncurrent loans to loans | 2.8086% | 1,804 |
| Net loans and leases to total assets | 81.1571% | 339 |
| Net loans and leases to deposits | 98.5304% | 417 |
| Net loans and leases to core deposits | 104.2363% | 708 |
| Total domestic deposits to total assets | 82.3676% | 5,069 |
| Equity capital to assets | 10.0514% | 4,081 |
| Core capital (leverage) ratio | 10.3369% | 2,985 |
| Tier 1 risk-based capital ratio | 14.9577% | 3,868 |
| Total risk-based capital ratio | 16.3036% | 3,753 |
| Memoranda: | ||
| Average total assets | $771,590,500 | 880 |
| Average earning assets | $724,190,500 | 847 |
| Average equity | $77,702,000 | 945 |
| Average total loans | $640,326,500 | 654 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4051% | 3,791 |
| Cost of funding earning assets | 1.0018% | 1,347 |
| Net interest margin | 3.4032% | 4,870 |
| Noninterest income to average assets | 0.9283% | 1,777 |
| Noninterest expense to average assets | 3.0265% | 3,177 |
| Loan and lease loss provision to assets | 0.3230% | 2,107 |
| Net operating income to assets | 0.5067% | 4,659 |
| Return on assets (ROA) | 0.5067% | 4,923 |
| Pretax return on assets | 0.7691% | 4,412 |
| Return on Equity (ROE) | 5.1058% | 4,632 |
| Retained earnings to average equity (ytd only) | 5.1058% | 2,641 |
| Net charge-offs to loans | 0.3119% | 3,086 |
| Credit loss provision to net charge-offs | 129.4892% | 2,169 |
| Earnings coverage of net charge-offs (x) | 4.3776% | 3,389 |
| Efficiency ratio | 73.4841% | 3,158 |
| Assets per employee ($millions) | 4.5984% | 2,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0778% | 5,639 |
| Loan loss allowance to noncurrent loans | 34.7787% | 5,866 |
| Noncurrent assets plus other real estate owned to assets | 3.2277% | 1,437 |
| Noncurrent loans to loans | 3.0990% | 1,672 |
| Net loans and leases to total assets | 82.9202% | 276 |
| Net loans and leases to deposits | 101.6914% | 339 |
| Net loans and leases to core deposits | 107.4325% | 630 |
| Total domestic deposits to total assets | 81.5411% | 5,249 |
| Equity capital to assets | 10.0895% | 4,048 |
| Core capital (leverage) ratio | 10.3445% | 2,954 |
| Tier 1 risk-based capital ratio | 15.0199% | 3,708 |
| Total risk-based capital ratio | 16.3395% | 3,620 |
| Memoranda: | ||
| Average total assets | $761,196,800 | 875 |
| Average earning assets | $713,587,000 | 840 |
| Average equity | $75,542,000 | 937 |
| Average total loans | $608,810,200 | 681 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4185% | 3,973 |
| Cost of funding earning assets | 1.0301% | 1,392 |
| Net interest margin | 3.3884% | 5,073 |
| Noninterest income to average assets | 0.8560% | 1,997 |
| Noninterest expense to average assets | 2.9803% | 3,307 |
| Loan and lease loss provision to assets | 0.2765% | 2,361 |
| Net operating income to assets | 0.5105% | 4,804 |
| Return on assets (ROA) | 0.5105% | 5,066 |
| Pretax return on assets | 0.7752% | 4,575 |
| Return on Equity (ROE) | 5.1657% | 4,740 |
| Retained earnings to average equity (ytd only) | 5.1657% | 3,244 |
| Net charge-offs to loans | 0.2440% | 3,257 |
| Credit loss provision to net charge-offs | 143.4426% | 2,000 |
| Earnings coverage of net charge-offs (x) | 5.4563% | 3,019 |
| Efficiency ratio | 73.9159% | 2,997 |
| Assets per employee ($millions) | 4.5707% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1069% | 5,689 |
| Loan loss allowance to noncurrent loans | 34.8359% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 3.2302% | 1,592 |
| Noncurrent loans to loans | 3.1774% | 1,740 |
| Net loans and leases to total assets | 81.2097% | 413 |
| Net loans and leases to deposits | 99.6499% | 455 |
| Net loans and leases to core deposits | 105.3006% | 785 |
| Total domestic deposits to total assets | 81.4951% | 5,191 |
| Equity capital to assets | 10.2028% | 4,200 |
| Core capital (leverage) ratio | 10.2449% | 3,232 |
| Tier 1 risk-based capital ratio | 15.3612% | 3,616 |
| Total risk-based capital ratio | 16.6775% | 3,532 |
| Memoranda: | ||
| Average total assets | $759,511,500 | 885 |
| Average earning assets | $711,903,750 | 847 |
| Average equity | $75,057,250 | 943 |
| Average total loans | $600,084,250 | 684 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4137% | 4,125 |
| Cost of funding earning assets | 1.0567% | 1,427 |
| Net interest margin | 3.3570% | 5,240 |
| Noninterest income to average assets | 0.8233% | 2,083 |
| Noninterest expense to average assets | 2.9424% | 3,463 |
| Loan and lease loss provision to assets | 0.2209% | 2,868 |
| Net operating income to assets | 0.5302% | 4,673 |
| Return on assets (ROA) | 0.5302% | 4,953 |
| Pretax return on assets | 0.8055% | 4,458 |
| Return on Equity (ROE) | 5.4227% | 4,617 |
| Retained earnings to average equity (ytd only) | 5.4227% | 3,032 |
| Net charge-offs to loans | 0.2385% | 3,142 |
| Credit loss provision to net charge-offs | 118.7853% | 2,319 |
| Earnings coverage of net charge-offs (x) | 5.5184% | 2,817 |
| Efficiency ratio | 74.1378% | 3,052 |
| Assets per employee ($millions) | 4.6486% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0885% | 5,827 |
| Loan loss allowance to noncurrent loans | 27.8951% | 6,237 |
| Noncurrent assets plus other real estate owned to assets | 3.9575% | 1,304 |
| Noncurrent loans to loans | 3.9023% | 1,428 |
| Net loans and leases to total assets | 77.6043% | 776 |
| Net loans and leases to deposits | 96.3743% | 606 |
| Net loans and leases to core deposits | 101.8657% | 986 |
| Total domestic deposits to total assets | 80.5239% | 5,609 |
| Equity capital to assets | 9.9227% | 4,456 |
| Core capital (leverage) ratio | 10.0915% | 3,290 |
| Tier 1 risk-based capital ratio | 14.9938% | 3,772 |
| Total risk-based capital ratio | 16.3004% | 3,695 |
| Memoranda: | ||
| Average total assets | $761,293,000 | 878 |
| Average earning assets | $713,325,330 | 848 |
| Average equity | $74,427,670 | 944 |
| Average total loans | $593,675,000 | 693 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 4,181 |
| Cost of funding earning assets | 1.0935% | 1,433 |
| Net interest margin | 3.3412% | 5,333 |
| Noninterest income to average assets | 0.7997% | 2,169 |
| Noninterest expense to average assets | 2.9434% | 3,469 |
| Loan and lease loss provision to assets | 0.1483% | 3,506 |
| Net operating income to assets | 0.5531% | 4,572 |
| Return on assets (ROA) | 0.5531% | 4,788 |
| Pretax return on assets | 0.8423% | 4,258 |
| Return on Equity (ROE) | 5.7005% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.7005% | 3,145 |
| Net charge-offs to loans | 0.1745% | 3,047 |
| Credit loss provision to net charge-offs | 109.3023% | 2,140 |
| Earnings coverage of net charge-offs (x) | 7.3023% | 2,090 |
| Efficiency ratio | 74.8196% | 2,972 |
| Assets per employee ($millions) | 4.7154% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0806% | 5,962 |
| Loan loss allowance to noncurrent loans | 23.0827% | 6,448 |
| Noncurrent assets plus other real estate owned to assets | 4.6639% | 1,134 |
| Noncurrent loans to loans | 4.6814% | 1,218 |
| Net loans and leases to total assets | 77.1958% | 677 |
| Net loans and leases to deposits | 95.5970% | 566 |
| Net loans and leases to core deposits | 101.4097% | 894 |
| Total domestic deposits to total assets | 80.7512% | 5,663 |
| Equity capital to assets | 9.8017% | 4,370 |
| Core capital (leverage) ratio | 9.9583% | 3,414 |
| Tier 1 risk-based capital ratio | 14.8221% | 3,877 |
| Total risk-based capital ratio | 16.1505% | 3,792 |
| Memoranda: | ||
| Average total assets | $760,756,500 | 878 |
| Average earning assets | $713,642,500 | 843 |
| Average equity | $73,818,000 | 942 |
| Average total loans | $591,442,500 | 697 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5778% | 4,761 |
| Cost of funding earning assets | 1.3426% | 1,278 |
| Net interest margin | 3.2352% | 5,990 |
| Noninterest income to average assets | 0.6256% | 3,036 |
| Noninterest expense to average assets | 2.9664% | 3,720 |
| Loan and lease loss provision to assets | 0.4042% | 2,576 |
| Net operating income to assets | 0.1979% | 5,599 |
| Return on assets (ROA) | 0.1979% | 5,729 |
| Pretax return on assets | 0.2996% | 5,557 |
| Return on Equity (ROE) | 2.0564% | 5,637 |
| Retained earnings to average equity (ytd only) | 2.0564% | 4,750 |
| Net charge-offs to loans | 0.5127% | 2,938 |
| Credit loss provision to net charge-offs | 100.6838% | 3,466 |
| Earnings coverage of net charge-offs (x) | 1.7532% | 4,466 |
| Efficiency ratio | 80.8221% | 2,183 |
| Assets per employee ($millions) | 4.6484% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 5,884 |
| Loan loss allowance to noncurrent loans | 23.0053% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 4.3148% | 1,292 |
| Noncurrent loans to loans | 4.6955% | 1,254 |
| Net loans and leases to total assets | 76.6135% | 877 |
| Net loans and leases to deposits | 95.5464% | 700 |
| Net loans and leases to core deposits | 100.8612% | 1,101 |
| Total domestic deposits to total assets | 80.1846% | 5,690 |
| Equity capital to assets | 9.6052% | 4,739 |
| Core capital (leverage) ratio | 9.6421% | 3,811 |
| Tier 1 risk-based capital ratio | 14.6735% | 3,853 |
| Total risk-based capital ratio | 15.9792% | 3,788 |
| Memoranda: | ||
| Average total assets | $764,906,200 | 860 |
| Average earning assets | $719,858,200 | 826 |
| Average equity | $73,622,800 | 921 |
| Average total loans | $599,027,400 | 696 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6030% | 4,852 |
| Cost of funding earning assets | 1.3840% | 1,301 |
| Net interest margin | 3.2190% | 6,115 |
| Noninterest income to average assets | 0.5815% | 3,289 |
| Noninterest expense to average assets | 2.9174% | 3,852 |
| Loan and lease loss provision to assets | 0.4048% | 2,429 |
| Net operating income to assets | 0.1921% | 5,721 |
| Return on assets (ROA) | 0.1921% | 5,851 |
| Pretax return on assets | 0.2905% | 5,720 |
| Return on Equity (ROE) | 1.9948% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.9948% | 5,138 |
| Net charge-offs to loans | 0.5633% | 2,552 |
| Credit loss provision to net charge-offs | 91.4961% | 3,727 |
| Earnings coverage of net charge-offs (x) | 1.5717% | 4,459 |
| Efficiency ratio | 80.7550% | 2,151 |
| Assets per employee ($millions) | 4.6793% | 2,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0367% | 6,099 |
| Loan loss allowance to noncurrent loans | 23.4094% | 6,558 |
| Noncurrent assets plus other real estate owned to assets | 4.0955% | 1,495 |
| Noncurrent loans to loans | 4.4285% | 1,460 |
| Net loans and leases to total assets | 76.3907% | 929 |
| Net loans and leases to deposits | 95.7450% | 716 |
| Net loans and leases to core deposits | 101.0470% | 1,159 |
| Total domestic deposits to total assets | 79.7856% | 5,799 |
| Equity capital to assets | 9.7565% | 4,694 |
| Core capital (leverage) ratio | 9.6371% | 3,937 |
| Tier 1 risk-based capital ratio | 14.5215% | 3,960 |
| Total risk-based capital ratio | 15.8082% | 3,913 |
| Memoranda: | ||
| Average total assets | $765,548,250 | 863 |
| Average earning assets | $720,873,500 | 829 |
| Average equity | $73,722,500 | 921 |
| Average total loans | $601,176,250 | 703 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6325% | 4,833 |
| Cost of funding earning assets | 1.4203% | 1,330 |
| Net interest margin | 3.2122% | 6,120 |
| Noninterest income to average assets | 0.4989% | 3,863 |
| Noninterest expense to average assets | 2.9495% | 3,834 |
| Loan and lease loss provision to assets | 0.3626% | 2,617 |
| Net operating income to assets | 0.1396% | 5,912 |
| Return on assets (ROA) | 0.1396% | 6,006 |
| Pretax return on assets | 0.2113% | 5,910 |
| Return on Equity (ROE) | 1.4562% | 5,960 |
| Retained earnings to average equity (ytd only) | 1.4562% | 5,261 |
| Net charge-offs to loans | 0.4648% | 2,717 |
| Credit loss provision to net charge-offs | 98.7892% | 3,200 |
| Earnings coverage of net charge-offs (x) | 1.5634% | 4,117 |
| Efficiency ratio | 83.7118% | 1,854 |
| Assets per employee ($millions) | 5.0791% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 6,119 |
| Loan loss allowance to noncurrent loans | 21.8953% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 4.1428% | 1,540 |
| Noncurrent loans to loans | 4.8171% | 1,368 |
| Net loans and leases to total assets | 77.0397% | 911 |
| Net loans and leases to deposits | 96.8215% | 661 |
| Net loans and leases to core deposits | 102.1249% | 1,169 |
| Total domestic deposits to total assets | 79.5688% | 5,938 |
| Equity capital to assets | 9.5645% | 4,716 |
| Core capital (leverage) ratio | 9.5941% | 3,809 |
| Tier 1 risk-based capital ratio | 14.4681% | 3,810 |
| Total risk-based capital ratio | 15.8039% | 3,729 |
| Memoranda: | ||
| Average total assets | $764,932,000 | 878 |
| Average earning assets | $720,252,670 | 844 |
| Average equity | $73,339,670 | 926 |
| Average total loans | $604,114,670 | 710 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 4,596 |
| Cost of funding earning assets | 1.4442% | 1,413 |
| Net interest margin | 3.2389% | 5,956 |
| Noninterest income to average assets | 0.4439% | 4,335 |
| Noninterest expense to average assets | 2.9861% | 3,699 |
| Loan and lease loss provision to assets | 0.4797% | 1,835 |
| Net operating income to assets | 0.0194% | 6,314 |
| Return on assets (ROA) | 0.0194% | 6,347 |
| Pretax return on assets | 0.0273% | 6,308 |
| Return on Equity (ROE) | 0.2025% | 6,346 |
| Retained earnings to average equity (ytd only) | 0.2025% | 5,735 |
| Net charge-offs to loans | 0.8375% | 1,571 |
| Credit loss provision to net charge-offs | 72.0032% | 3,316 |
| Earnings coverage of net charge-offs (x) | 0.7610% | 4,067 |
| Efficiency ratio | 85.4865% | 1,773 |
| Assets per employee ($millions) | 4.6273% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 6,415 |
| Loan loss allowance to noncurrent loans | 24.5863% | 6,566 |
| Noncurrent assets plus other real estate owned to assets | 3.5895% | 1,896 |
| Noncurrent loans to loans | 4.0515% | 1,786 |
| Net loans and leases to total assets | 78.1314% | 714 |
| Net loans and leases to deposits | 98.8775% | 531 |
| Net loans and leases to core deposits | 104.3955% | 1,035 |
| Total domestic deposits to total assets | 79.0184% | 6,183 |
| Equity capital to assets | 9.5711% | 4,341 |
| Core capital (leverage) ratio | 9.5970% | 3,666 |
| Tier 1 risk-based capital ratio | 14.2057% | 3,938 |
| Total risk-based capital ratio | 15.5004% | 3,871 |
| Memoranda: | ||
| Average total assets | $761,387,500 | 886 |
| Average earning assets | $716,778,500 | 856 |
| Average equity | $73,089,500 | 924 |
| Average total loans | $605,620,500 | 714 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9604% | 4,743 |
| Cost of funding earning assets | 1.6615% | 1,772 |
| Net interest margin | 3.2989% | 5,979 |
| Noninterest income to average assets | 0.7486% | 2,551 |
| Noninterest expense to average assets | 2.7972% | 4,620 |
| Loan and lease loss provision to assets | 0.8541% | 1,916 |
| Net operating income to assets | 0.1434% | 5,462 |
| Return on assets (ROA) | 0.1505% | 5,596 |
| Pretax return on assets | 0.2175% | 5,446 |
| Return on Equity (ROE) | 1.5645% | 5,538 |
| Retained earnings to average equity (ytd only) | 1.5645% | 4,748 |
| Net charge-offs to loans | 1.1348% | 1,967 |
| Credit loss provision to net charge-offs | 93.8525% | 4,955 |
| Earnings coverage of net charge-offs (x) | 1.1663% | 4,943 |
| Efficiency ratio | 72.4928% | 3,702 |
| Assets per employee ($millions) | 5.0618% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 6,176 |
| Loan loss allowance to noncurrent loans | 26.7798% | 6,497 |
| Noncurrent assets plus other real estate owned to assets | 3.4558% | 2,017 |
| Noncurrent loans to loans | 3.8998% | 1,879 |
| Net loans and leases to total assets | 79.3321% | 752 |
| Net loans and leases to deposits | 102.3636% | 469 |
| Net loans and leases to core deposits | 107.8903% | 1,056 |
| Total domestic deposits to total assets | 77.5003% | 6,403 |
| Equity capital to assets | 9.6281% | 4,241 |
| Core capital (leverage) ratio | 9.5679% | 3,608 |
| Tier 1 risk-based capital ratio | 14.0262% | 3,853 |
| Total risk-based capital ratio | 15.3742% | 3,748 |
| Memoranda: | ||
| Average total assets | $750,707,600 | 898 |
| Average earning assets | $707,721,600 | 871 |
| Average equity | $72,229,600 | 927 |
| Average total loans | $602,050,400 | 739 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 4,752 |
| Cost of funding earning assets | 1.7119% | 1,808 |
| Net interest margin | 3.3003% | 6,017 |
| Noninterest income to average assets | 0.6054% | 3,408 |
| Noninterest expense to average assets | 2.7454% | 4,698 |
| Loan and lease loss provision to assets | 0.9992% | 1,487 |
| Net operating income to assets | -0.0196% | 6,029 |
| Return on assets (ROA) | -0.0196% | 6,155 |
| Pretax return on assets | -0.0287% | 6,135 |
| Return on Equity (ROE) | -0.2037% | 6,163 |
| Retained earnings to average equity (ytd only) | -0.2037% | 5,827 |
| Net charge-offs to loans | 0.9127% | 2,169 |
| Credit loss provision to net charge-offs | 136.4964% | 2,932 |
| Earnings coverage of net charge-offs (x) | 1.3258% | 4,751 |
| Efficiency ratio | 73.8820% | 3,344 |
| Assets per employee ($millions) | 5.2386% | 1,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3934% | 4,496 |
| Loan loss allowance to noncurrent loans | 37.0966% | 5,869 |
| Noncurrent assets plus other real estate owned to assets | 3.4005% | 2,091 |
| Noncurrent loans to loans | 3.7560% | 2,059 |
| Net loans and leases to total assets | 77.6505% | 1,100 |
| Net loans and leases to deposits | 100.8868% | 596 |
| Net loans and leases to core deposits | 106.2424% | 1,305 |
| Total domestic deposits to total assets | 76.9679% | 6,484 |
| Equity capital to assets | 9.6008% | 4,695 |
| Core capital (leverage) ratio | 9.4809% | 3,933 |
| Tier 1 risk-based capital ratio | 13.9497% | 3,880 |
| Total risk-based capital ratio | 15.2971% | 3,771 |
| Memoranda: | ||
| Average total assets | $748,567,500 | 904 |
| Average earning assets | $705,538,000 | 875 |
| Average equity | $72,011,250 | 928 |
| Average total loans | $600,388,000 | 740 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0871% | 4,521 |
| Cost of funding earning assets | 1.7478% | 1,877 |
| Net interest margin | 3.3393% | 5,877 |
| Noninterest income to average assets | 0.4406% | 4,601 |
| Noninterest expense to average assets | 2.7379% | 4,747 |
| Loan and lease loss provision to assets | 0.9464% | 1,551 |
| Net operating income to assets | -0.0640% | 6,177 |
| Return on assets (ROA) | -0.0640% | 6,265 |
| Pretax return on assets | -0.0962% | 6,240 |
| Return on Equity (ROE) | -0.6651% | 6,284 |
| Retained earnings to average equity (ytd only) | -0.6651% | 5,894 |
| Net charge-offs to loans | 0.7997% | 2,248 |
| Credit loss provision to net charge-offs | 146.6584% | 2,694 |
| Earnings coverage of net charge-offs (x) | 1.3176% | 4,511 |
| Efficiency ratio | 76.3046% | 3,019 |
| Assets per employee ($millions) | 5.2821% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 4,794 |
| Loan loss allowance to noncurrent loans | 37.6417% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 3.0998% | 2,286 |
| Noncurrent loans to loans | 3.5161% | 2,248 |
| Net loans and leases to total assets | 77.4466% | 1,207 |
| Net loans and leases to deposits | 101.4040% | 629 |
| Net loans and leases to core deposits | 106.8949% | 1,376 |
| Total domestic deposits to total assets | 76.3743% | 6,615 |
| Equity capital to assets | 9.4878% | 4,720 |
| Core capital (leverage) ratio | 9.4650% | 3,868 |
| Tier 1 risk-based capital ratio | 13.9459% | 3,774 |
| Total risk-based capital ratio | 15.2955% | 3,664 |
| Memoranda: | ||
| Average total assets | $746,639,330 | 912 |
| Average earning assets | $703,735,670 | 877 |
| Average equity | $71,873,670 | 921 |
| Average total loans | $602,505,670 | 748 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0298% | 4,882 |
| Cost of funding earning assets | 1.7616% | 2,059 |
| Net interest margin | 3.2683% | 6,072 |
| Noninterest income to average assets | 0.4380% | 4,574 |
| Noninterest expense to average assets | 2.7662% | 4,623 |
| Loan and lease loss provision to assets | 0.9696% | 1,293 |
| Net operating income to assets | -0.1460% | 6,476 |
| Return on assets (ROA) | -0.1460% | 6,553 |
| Pretax return on assets | -0.2185% | 6,573 |
| Return on Equity (ROE) | -1.5057% | 6,579 |
| Retained earnings to average equity (ytd only) | -1.5057% | 6,126 |
| Net charge-offs to loans | 1.5960% | 1,094 |
| Credit loss provision to net charge-offs | 74.2443% | 4,005 |
| Earnings coverage of net charge-offs (x) | 0.5752% | 4,518 |
| Efficiency ratio | 78.6439% | 2,786 |
| Assets per employee ($millions) | 5.1156% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 6,370 |
| Loan loss allowance to noncurrent loans | 47.7095% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 2.1009% | 3,384 |
| Noncurrent loans to loans | 2.1344% | 3,607 |
| Net loans and leases to total assets | 80.1053% | 833 |
| Net loans and leases to deposits | 105.5499% | 445 |
| Net loans and leases to core deposits | 111.4206% | 1,195 |
| Total domestic deposits to total assets | 75.8933% | 6,775 |
| Equity capital to assets | 9.6128% | 4,361 |
| Core capital (leverage) ratio | 9.7512% | 3,453 |
| Tier 1 risk-based capital ratio | 13.8180% | 3,787 |
| Total risk-based capital ratio | 15.1525% | 3,683 |
| Memoranda: | ||
| Average total assets | $739,650,000 | 932 |
| Average earning assets | $696,885,500 | 901 |
| Average equity | $71,727,500 | 925 |
| Average total loans | $605,271,500 | 761 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2842% | 5,265 |
| Cost of funding earning assets | 2.0862% | 2,534 |
| Net interest margin | 3.1980% | 6,101 |
| Noninterest income to average assets | 0.5589% | 3,956 |
| Noninterest expense to average assets | 2.8852% | 4,590 |
| Loan and lease loss provision to assets | 0.2233% | 5,578 |
| Net operating income to assets | 0.3119% | 4,492 |
| Return on assets (ROA) | 0.3119% | 4,579 |
| Pretax return on assets | 0.4693% | 4,289 |
| Return on Equity (ROE) | 3.2007% | 4,414 |
| Retained earnings to average equity (ytd only) | 3.2007% | 2,917 |
| Net charge-offs to loans | 0.1556% | 5,706 |
| Credit loss provision to net charge-offs | 172.5000% | 2,462 |
| Earnings coverage of net charge-offs (x) | 5.3500% | 2,624 |
| Efficiency ratio | 80.6396% | 2,794 |
| Assets per employee ($millions) | 5.0863% | 2,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,821 |
| Loan loss allowance to noncurrent loans | 72.9494% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.6029% | 3,970 |
| Noncurrent loans to loans | 1.5327% | 4,352 |
| Net loans and leases to total assets | 81.8274% | 711 |
| Net loans and leases to deposits | 109.0850% | 413 |
| Net loans and leases to core deposits | 145.4229% | 627 |
| Total domestic deposits to total assets | 75.0126% | 6,864 |
| Equity capital to assets | 9.7839% | 4,026 |
| Core capital (leverage) ratio | 9.9060% | 3,186 |
| Tier 1 risk-based capital ratio | 13.6326% | 3,733 |
| Total risk-based capital ratio | 14.9835% | 3,606 |
| Memoranda: | ||
| Average total assets | $710,562,600 | 961 |
| Average earning assets | $670,792,600 | 927 |
| Average equity | $69,234,000 | 950 |
| Average total loans | $591,328,800 | 803 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 5,334 |
| Cost of funding earning assets | 2.1476% | 2,667 |
| Net interest margin | 3.1688% | 6,119 |
| Noninterest income to average assets | 0.6009% | 3,691 |
| Noninterest expense to average assets | 2.8669% | 4,583 |
| Loan and lease loss provision to assets | 0.2033% | 5,364 |
| Net operating income to assets | 0.3477% | 4,608 |
| Return on assets (ROA) | 0.3477% | 4,706 |
| Pretax return on assets | 0.5238% | 4,443 |
| Return on Equity (ROE) | 3.5728% | 4,549 |
| Retained earnings to average equity (ytd only) | 3.5728% | 3,291 |
| Net charge-offs to loans | 0.1645% | 5,073 |
| Credit loss provision to net charge-offs | 148.2759% | 3,255 |
| Earnings coverage of net charge-offs (x) | 5.3035% | 2,866 |
| Efficiency ratio | 79.7695% | 2,881 |
| Assets per employee ($millions) | 4.9613% | 2,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 5,827 |
| Loan loss allowance to noncurrent loans | 80.2086% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 1.4083% | 4,289 |
| Noncurrent loans to loans | 1.3496% | 4,676 |
| Net loans and leases to total assets | 81.4988% | 893 |
| Net loans and leases to deposits | 110.5197% | 452 |
| Net loans and leases to core deposits | 149.2355% | 594 |
| Total domestic deposits to total assets | 73.7414% | 7,001 |
| Equity capital to assets | 9.7748% | 4,381 |
| Core capital (leverage) ratio | 9.9765% | 3,315 |
| Tier 1 risk-based capital ratio | 13.9750% | 3,564 |
| Total risk-based capital ratio | 15.3183% | 3,453 |
| Memoranda: | ||
| Average total assets | $705,096,250 | 979 |
| Average earning assets | $665,973,750 | 940 |
| Average equity | $68,627,500 | 973 |
| Average total loans | $587,635,000 | 829 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3685% | 5,309 |
| Cost of funding earning assets | 2.1854% | 2,859 |
| Net interest margin | 3.1831% | 5,973 |
| Noninterest income to average assets | 0.6673% | 3,212 |
| Noninterest expense to average assets | 2.9278% | 4,397 |
| Loan and lease loss provision to assets | 0.1964% | 5,098 |
| Net operating income to assets | 0.3558% | 4,662 |
| Return on assets (ROA) | 0.3558% | 4,773 |
| Pretax return on assets | 0.5479% | 4,476 |
| Return on Equity (ROE) | 3.6611% | 4,640 |
| Retained earnings to average equity (ytd only) | 3.6611% | 3,262 |
| Net charge-offs to loans | 0.0469% | 5,821 |
| Credit loss provision to net charge-offs | 500.7299% | 915 |
| Earnings coverage of net charge-offs (x) | 18.9781% | 1,389 |
| Efficiency ratio | 79.7318% | 3,093 |
| Assets per employee ($millions) | 4.7946% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 5,343 |
| Loan loss allowance to noncurrent loans | 91.8736% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.2721% | 4,393 |
| Noncurrent loans to loans | 1.2384% | 4,733 |
| Net loans and leases to total assets | 82.0977% | 937 |
| Net loans and leases to deposits | 112.3511% | 463 |
| Net loans and leases to core deposits | 150.0244% | 650 |
| Total domestic deposits to total assets | 73.0724% | 7,102 |
| Equity capital to assets | 9.8221% | 4,188 |
| Core capital (leverage) ratio | 10.1389% | 3,151 |
| Tier 1 risk-based capital ratio | 14.1915% | 3,408 |
| Total risk-based capital ratio | 15.4836% | 3,320 |
| Memoranda: | ||
| Average total assets | $698,680,670 | 1,008 |
| Average earning assets | $659,554,330 | 967 |
| Average equity | $67,902,330 | 986 |
| Average total loans | $584,583,000 | 851 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4226% | 5,304 |
| Cost of funding earning assets | 2.2011% | 3,164 |
| Net interest margin | 3.2215% | 5,790 |
| Noninterest income to average assets | 0.6228% | 3,400 |
| Noninterest expense to average assets | 2.7877% | 4,604 |
| Loan and lease loss provision to assets | 0.1110% | 5,542 |
| Net operating income to assets | 0.5078% | 4,383 |
| Return on assets (ROA) | 0.5078% | 4,570 |
| Pretax return on assets | 0.7648% | 4,208 |
| Return on Equity (ROE) | 5.2528% | 4,358 |
| Retained earnings to average equity (ytd only) | 5.2528% | 2,991 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0948% | 3,475 |
| Assets per employee ($millions) | 4.6617% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 5,449 |
| Loan loss allowance to noncurrent loans | 124.4914% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 4,822 |
| Noncurrent loans to loans | 0.8859% | 5,231 |
| Net loans and leases to total assets | 83.0404% | 835 |
| Net loans and leases to deposits | 115.8470% | 391 |
| Net loans and leases to core deposits | 150.5244% | 690 |
| Total domestic deposits to total assets | 71.6811% | 7,255 |
| Equity capital to assets | 9.8814% | 4,143 |
| Core capital (leverage) ratio | 10.0126% | 3,395 |
| Tier 1 risk-based capital ratio | 14.2370% | 3,458 |
| Total risk-based capital ratio | 15.4879% | 3,390 |
| Memoranda: | ||
| Average total assets | $695,616,500 | 1,014 |
| Average earning assets | $656,591,000 | 976 |
| Average equity | $67,240,000 | 1,003 |
| Average total loans | $584,229,000 | 852 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8861% | 6,105 |
| Cost of funding earning assets | 2.7112% | 3,106 |
| Net interest margin | 3.1748% | 6,448 |
| Noninterest income to average assets | 0.3779% | 5,664 |
| Noninterest expense to average assets | 2.7395% | 5,093 |
| Loan and lease loss provision to assets | 0.3788% | 3,421 |
| Net operating income to assets | 0.1986% | 5,852 |
| Return on assets (ROA) | 0.1986% | 5,669 |
| Pretax return on assets | 0.2581% | 5,611 |
| Return on Equity (ROE) | 1.8799% | 5,650 |
| Retained earnings to average equity (ytd only) | 1.8799% | 4,057 |
| Net charge-offs to loans | 0.1340% | 4,883 |
| Credit loss provision to net charge-offs | 347.4198% | 1,299 |
| Earnings coverage of net charge-offs (x) | 5.8410% | 3,516 |
| Efficiency ratio | 81.1368% | 2,423 |
| Assets per employee ($millions) | 4.8342% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 5,832 |
| Loan loss allowance to noncurrent loans | 121.6647% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9046% | 4,584 |
| Noncurrent loans to loans | 0.8412% | 4,948 |
| Net loans and leases to total assets | 83.1473% | 1,019 |
| Net loans and leases to deposits | 126.3146% | 266 |
| Net loans and leases to core deposits | 160.3824% | 570 |
| Total domestic deposits to total assets | 65.8256% | 7,669 |
| Equity capital to assets | 9.4602% | 4,742 |
| Core capital (leverage) ratio | 9.8363% | 3,604 |
| Tier 1 risk-based capital ratio | 14.0173% | 3,542 |
| Total risk-based capital ratio | 15.3056% | 3,440 |
| Memoranda: | ||
| Average total assets | $657,577,000 | 1,019 |
| Average earning assets | $621,044,400 | 973 |
| Average equity | $69,471,200 | 964 |
| Average total loans | $535,167,400 | 892 |