Home > Third Coast Bank, SSB > Performance and Condition Ratios
Third Coast Bank, SSB, Performance and Condition Ratios
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8312% | 225 |
| Cost of funding earning assets | 2.9483% | 129 |
| Net interest margin | 3.8828% | 1,436 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.4472% | 2,382 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.9656% | 2,465 |
| Return on assets (ROA) | 0.9781% | 2,424 |
| Pretax return on assets | 1.2254% | 2,236 |
| Return on Equity (ROE) | 7.7700% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.7732% | 2,047 |
| Net charge-offs to loans | -0.0108% | 3,953 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 63.7340% | 2,529 |
| Assets per employee ($millions) | 11.4074% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0693% | 3,022 |
| Loan loss allowance to noncurrent loans | 232.0451% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3897% | 1,480 |
| Noncurrent loans to loans | 0.4608% | 1,670 |
| Net loans and leases to total assets | 83.6700% | 305 |
| Net loans and leases to deposits | 96.5370% | 717 |
| Net loans and leases to core deposits | 129.6299% | 347 |
| Total domestic deposits to total assets | 86.6700% | 1,991 |
| Equity capital to assets | 12.1213% | 1,011 |
| Core capital (leverage) ratio | 12.6208% | 1,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4851% | 2,082 |
| Memoranda: | ||
| Average total assets | $3,947,843,000 | 323 |
| Average earning assets | $3,694,226,250 | 312 |
| Average equity | $496,752,500 | 267 |
| Average total loans | $3,303,776,750 | 277 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6653% | 222 |
| Cost of funding earning assets | 2.7500% | 114 |
| Net interest margin | 3.9153% | 1,394 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 2.3450% | 2,666 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | 1.1158% | 2,076 |
| Return on assets (ROA) | 1.1199% | 2,059 |
| Pretax return on assets | 1.4007% | 1,812 |
| Return on Equity (ROE) | 8.7800% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.7827% | 1,740 |
| Net charge-offs to loans | -0.0181% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.4021% | 2,913 |
| Assets per employee ($millions) | 10.4992% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 2,867 |
| Loan loss allowance to noncurrent loans | 373.6256% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.2518% | 1,938 |
| Noncurrent loans to loans | 0.2990% | 2,060 |
| Net loans and leases to total assets | 83.3000% | 313 |
| Net loans and leases to deposits | 96.6894% | 691 |
| Net loans and leases to core deposits | 122.9630% | 452 |
| Total domestic deposits to total assets | 86.1500% | 2,185 |
| Equity capital to assets | 12.7050% | 886 |
| Core capital (leverage) ratio | 13.0578% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9893% | 2,301 |
| Memoranda: | ||
| Average total assets | $3,860,679,667 | 321 |
| Average earning assets | $3,599,447,667 | 306 |
| Average equity | $492,261,333 | 261 |
| Average total loans | $3,218,384,667 | 277 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4708% | 188 |
| Cost of funding earning assets | 2.5668% | 85 |
| Net interest margin | 3.9041% | 1,475 |
| Noninterest income to average assets | 0.1900% | 3,837 |
| Noninterest expense to average assets | 2.2923% | 2,833 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 1.1290% | 2,128 |
| Return on assets (ROA) | 1.1372% | 2,075 |
| Pretax return on assets | 1.4146% | 1,854 |
| Return on Equity (ROE) | 8.9000% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.9020% | 1,978 |
| Net charge-offs to loans | -0.0461% | 4,337 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.8562% | 2,973 |
| Assets per employee ($millions) | 10.4199% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,966 |
| Loan loss allowance to noncurrent loans | 378.7703% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2459% | 1,890 |
| Noncurrent loans to loans | 0.2951% | 2,086 |
| Net loans and leases to total assets | 82.4200% | 330 |
| Net loans and leases to deposits | 95.5065% | 681 |
| Net loans and leases to core deposits | 107.7611% | 765 |
| Total domestic deposits to total assets | 86.2900% | 2,510 |
| Equity capital to assets | 12.7346% | 818 |
| Core capital (leverage) ratio | 12.9973% | 979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2524% | 2,283 |
| Memoranda: | ||
| Average total assets | $3,811,914,500 | 338 |
| Average earning assets | $3,542,986,500 | 325 |
| Average equity | $486,947,500 | 268 |
| Average total loans | $3,160,438,500 | 287 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1306% | 247 |
| Cost of funding earning assets | 1.0917% | 114 |
| Net interest margin | 4.0389% | 738 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.6999% | 1,557 |
| Loan and lease loss provision to assets | 0.3800% | 188 |
| Net operating income to assets | 0.7020% | 3,615 |
| Return on assets (ROA) | 0.7020% | 3,561 |
| Pretax return on assets | 0.8750% | 3,421 |
| Return on Equity (ROE) | 5.6000% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.5953% | 2,788 |
| Net charge-offs to loans | 0.0429% | 1,260 |
| Credit loss provision to net charge-offs | 1,066.4336% | 408 |
| Earnings coverage of net charge-offs (x) | 35.4073% | 1,579 |
| Efficiency ratio | 68.1901% | 1,936 |
| Assets per employee ($millions) | 10.2404% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,486 |
| Loan loss allowance to noncurrent loans | 264.3585% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.3047% | 1,636 |
| Noncurrent loans to loans | 0.3695% | 1,819 |
| Net loans and leases to total assets | 81.6600% | 442 |
| Net loans and leases to deposits | 94.8319% | 723 |
| Net loans and leases to core deposits | 107.1384% | 703 |
| Total domestic deposits to total assets | 86.1100% | 2,693 |
| Equity capital to assets | 12.8150% | 739 |
| Core capital (leverage) ratio | 13.1058% | 912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7919% | 2,053 |
| Memoranda: | ||
| Average total assets | $3,234,918,800 | 368 |
| Average earning assets | $3,012,471,000 | 360 |
| Average equity | $405,858,000 | 302 |
| Average total loans | $2,669,249,800 | 304 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7457% | 321 |
| Cost of funding earning assets | 0.7199% | 239 |
| Net interest margin | 4.0258% | 612 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.7874% | 1,271 |
| Loan and lease loss provision to assets | 0.4400% | 121 |
| Net operating income to assets | 0.5890% | 3,857 |
| Return on assets (ROA) | 0.5890% | 3,820 |
| Pretax return on assets | 0.7355% | 3,723 |
| Return on Equity (ROE) | 4.7300% | 4,028 |
| Retained earnings to average equity (ytd only) | 4.7253% | 3,188 |
| Net charge-offs to loans | 0.0227% | 1,376 |
| Credit loss provision to net charge-offs | 2,350.9174% | 219 |
| Earnings coverage of net charge-offs (x) | 62.7523% | 1,149 |
| Efficiency ratio | 70.1945% | 1,735 |
| Assets per employee ($millions) | 9.5756% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 3,580 |
| Loan loss allowance to noncurrent loans | 305.2218% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.2714% | 1,864 |
| Noncurrent loans to loans | 0.3208% | 2,091 |
| Net loans and leases to total assets | 83.7700% | 264 |
| Net loans and leases to deposits | 98.1417% | 453 |
| Net loans and leases to core deposits | 111.5424% | 425 |
| Total domestic deposits to total assets | 85.3500% | 3,205 |
| Equity capital to assets | 13.5038% | 617 |
| Core capital (leverage) ratio | 13.2868% | 831 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8676% | 2,104 |
| Memoranda: | ||
| Average total assets | $3,101,527,500 | 382 |
| Average earning assets | $2,898,235,000 | 371 |
| Average equity | $386,589,250 | 316 |
| Average total loans | $2,559,674,500 | 310 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 513 |
| Cost of funding earning assets | 0.3569% | 1,210 |
| Net interest margin | 3.9642% | 534 |
| Noninterest income to average assets | 0.1586% | 4,221 |
| Noninterest expense to average assets | 2.8893% | 1,008 |
| Loan and lease loss provision to assets | 0.4960% | 107 |
| Net operating income to assets | 0.3769% | 4,153 |
| Return on assets (ROA) | 0.3769% | 4,109 |
| Pretax return on assets | 0.4805% | 4,031 |
| Return on Equity (ROE) | 3.1265% | 4,195 |
| Retained earnings to average equity (ytd only) | 3.1265% | 3,405 |
| Net charge-offs to loans | -0.0017% | 3,108 |
| Credit loss provision to net charge-offs | -35,000.0000% | 3,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5990% | 1,441 |
| Assets per employee ($millions) | 9.5066% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9700% | 3,727 |
| Loan loss allowance to noncurrent loans | 261.6109% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.3037% | 1,789 |
| Noncurrent loans to loans | 0.3708% | 2,034 |
| Net loans and leases to total assets | 81.1275% | 337 |
| Net loans and leases to deposits | 93.7359% | 530 |
| Net loans and leases to core deposits | 106.8082% | 423 |
| Total domestic deposits to total assets | 86.5491% | 3,091 |
| Equity capital to assets | 12.0972% | 843 |
| Core capital (leverage) ratio | 12.4729% | 980 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3988% | 2,702 |
| Memoranda: | ||
| Average total assets | $2,963,950,333 | 389 |
| Average earning assets | $2,771,782,000 | 385 |
| Average equity | $357,266,667 | 344 |
| Average total loans | $2,421,948,667 | 317 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1715% | 551 |
| Cost of funding earning assets | 0.2989% | 1,669 |
| Net interest margin | 3.8726% | 536 |
| Noninterest income to average assets | 0.2290% | 3,782 |
| Noninterest expense to average assets | 2.9009% | 955 |
| Loan and lease loss provision to assets | 0.5780% | 79 |
| Net operating income to assets | 0.3140% | 4,116 |
| Return on assets (ROA) | 0.3140% | 4,084 |
| Pretax return on assets | 0.4052% | 4,024 |
| Return on Equity (ROE) | 2.6108% | 4,165 |
| Retained earnings to average equity (ytd only) | 2.6108% | 3,385 |
| Net charge-offs to loans | -0.0030% | 3,185 |
| Credit loss provision to net charge-offs | -23,529.4118% | 3,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5368% | 1,684 |
| Assets per employee ($millions) | 8.9895% | 918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 3,899 |
| Loan loss allowance to noncurrent loans | 234.6216% | 2,409 |
| Noncurrent assets plus other real estate owned to assets | 0.3818% | 1,587 |
| Noncurrent loans to loans | 0.4059% | 2,042 |
| Net loans and leases to total assets | 79.7982% | 247 |
| Net loans and leases to deposits | 93.4972% | 383 |
| Net loans and leases to core deposits | 108.7116% | 284 |
| Total domestic deposits to total assets | 85.3482% | 3,455 |
| Equity capital to assets | 12.3876% | 833 |
| Core capital (leverage) ratio | 13.6638% | 636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1697% | 2,544 |
| Memoranda: | ||
| Average total assets | $2,768,005,000 | 418 |
| Average earning assets | $2,612,490,500 | 407 |
| Average equity | $332,918,500 | 372 |
| Average total loans | $2,258,334,500 | 332 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 235 |
| Cost of funding earning assets | 0.4538% | 1,173 |
| Net interest margin | 4.6403% | 221 |
| Noninterest income to average assets | 0.2068% | 4,129 |
| Noninterest expense to average assets | 3.3324% | 597 |
| Loan and lease loss provision to assets | 0.4733% | 126 |
| Net operating income to assets | 0.6133% | 3,841 |
| Return on assets (ROA) | 0.6133% | 3,889 |
| Pretax return on assets | 0.7763% | 3,774 |
| Return on Equity (ROE) | 6.8002% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.8002% | 2,000 |
| Net charge-offs to loans | 0.1536% | 623 |
| Credit loss provision to net charge-offs | 380.6291% | 938 |
| Earnings coverage of net charge-offs (x) | 10.0502% | 2,225 |
| Efficiency ratio | 72.5591% | 1,448 |
| Assets per employee ($millions) | 7.5455% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9327% | 3,986 |
| Loan loss allowance to noncurrent loans | 187.1847% | 2,692 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 1,384 |
| Noncurrent loans to loans | 0.4983% | 1,878 |
| Net loans and leases to total assets | 82.0574% | 178 |
| Net loans and leases to deposits | 95.3265% | 339 |
| Net loans and leases to core deposits | 112.8128% | 244 |
| Total domestic deposits to total assets | 86.0804% | 2,870 |
| Equity capital to assets | 11.5892% | 1,464 |
| Core capital (leverage) ratio | 12.2703% | 995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5346% | 2,434 |
| Memoranda: | ||
| Average total assets | $2,096,744,800 | 512 |
| Average earning assets | $1,976,924,800 | 501 |
| Average equity | $189,097,200 | 571 |
| Average total loans | $1,696,816,600 | 412 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2383% | 209 |
| Cost of funding earning assets | 0.4917% | 1,089 |
| Net interest margin | 4.7466% | 211 |
| Noninterest income to average assets | 0.1606% | 4,400 |
| Noninterest expense to average assets | 3.3586% | 567 |
| Loan and lease loss provision to assets | 0.2553% | 357 |
| Net operating income to assets | 0.8079% | 3,511 |
| Return on assets (ROA) | 0.8079% | 3,580 |
| Pretax return on assets | 1.0210% | 3,392 |
| Return on Equity (ROE) | 9.8349% | 2,795 |
| Retained earnings to average equity (ytd only) | 9.8349% | 1,375 |
| Net charge-offs to loans | 0.0192% | 1,668 |
| Credit loss provision to net charge-offs | 1,654.9784% | 372 |
| Earnings coverage of net charge-offs (x) | 82.7359% | 963 |
| Efficiency ratio | 72.2887% | 1,376 |
| Assets per employee ($millions) | 6.6459% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 3,955 |
| Loan loss allowance to noncurrent loans | 133.7945% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.6400% | 1,188 |
| Noncurrent loans to loans | 0.7218% | 1,547 |
| Net loans and leases to total assets | 76.7641% | 488 |
| Net loans and leases to deposits | 87.3261% | 748 |
| Net loans and leases to core deposits | 108.8918% | 348 |
| Total domestic deposits to total assets | 87.9052% | 1,898 |
| Equity capital to assets | 9.2578% | 3,603 |
| Core capital (leverage) ratio | 9.6062% | 2,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9623% | 2,717 |
| Memoranda: | ||
| Average total assets | $1,996,542,250 | 532 |
| Average earning assets | $1,882,005,250 | 524 |
| Average equity | $164,010,000 | 665 |
| Average total loans | $1,603,839,750 | 443 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3052% | 218 |
| Cost of funding earning assets | 0.5144% | 1,124 |
| Net interest margin | 4.7908% | 223 |
| Noninterest income to average assets | 0.1462% | 4,467 |
| Noninterest expense to average assets | 3.3271% | 596 |
| Loan and lease loss provision to assets | 0.1524% | 775 |
| Net operating income to assets | 0.9592% | 3,035 |
| Return on assets (ROA) | 0.9592% | 3,118 |
| Pretax return on assets | 1.2142% | 2,869 |
| Return on Equity (ROE) | 12.2236% | 1,969 |
| Retained earnings to average equity (ytd only) | 12.2236% | 867 |
| Net charge-offs to loans | 0.0106% | 1,756 |
| Credit loss provision to net charge-offs | 1,764.7059% | 317 |
| Earnings coverage of net charge-offs (x) | 158.2588% | 572 |
| Efficiency ratio | 70.7091% | 1,557 |
| Assets per employee ($millions) | 7.5887% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 4,258 |
| Loan loss allowance to noncurrent loans | 250.7301% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 2,195 |
| Noncurrent loans to loans | 0.3443% | 2,671 |
| Net loans and leases to total assets | 76.4956% | 546 |
| Net loans and leases to deposits | 85.7580% | 928 |
| Net loans and leases to core deposits | 109.4598% | 376 |
| Total domestic deposits to total assets | 89.1994% | 1,185 |
| Equity capital to assets | 7.9266% | 4,571 |
| Core capital (leverage) ratio | 9.1730% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3222% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,968,667,000 | 535 |
| Average earning assets | $1,868,707,000 | 523 |
| Average equity | $154,487,667 | 700 |
| Average total loans | $1,600,988,333 | 449 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5421% | 188 |
| Cost of funding earning assets | 0.5373% | 1,176 |
| Net interest margin | 5.0048% | 189 |
| Noninterest income to average assets | 0.0707% | 4,795 |
| Noninterest expense to average assets | 3.0977% | 842 |
| Loan and lease loss provision to assets | 0.3081% | 298 |
| Net operating income to assets | 1.1196% | 2,415 |
| Return on assets (ROA) | 1.1196% | 2,491 |
| Pretax return on assets | 1.4172% | 2,237 |
| Return on Equity (ROE) | 14.3419% | 1,366 |
| Retained earnings to average equity (ytd only) | 14.3419% | 719 |
| Net charge-offs to loans | 0.0020% | 1,853 |
| Credit loss provision to net charge-offs | 18,750.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,050.0000% | 92 |
| Efficiency ratio | 64.0576% | 2,456 |
| Assets per employee ($millions) | 8.6427% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7958% | 4,419 |
| Loan loss allowance to noncurrent loans | 194.2466% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 0.4924% | 1,915 |
| Noncurrent loans to loans | 0.4097% | 2,639 |
| Net loans and leases to total assets | 82.6836% | 196 |
| Net loans and leases to deposits | 92.3479% | 578 |
| Net loans and leases to core deposits | 116.3226% | 287 |
| Total domestic deposits to total assets | 89.5349% | 1,054 |
| Equity capital to assets | 7.6338% | 4,662 |
| Core capital (leverage) ratio | 9.2311% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9316% | 2,692 |
| Memoranda: | ||
| Average total assets | $1,947,500,000 | 533 |
| Average earning assets | $1,849,265,000 | 526 |
| Average equity | $152,030,000 | 702 |
| Average total loans | $1,625,621,500 | 444 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6003% | 155 |
| Cost of funding earning assets | 0.8718% | 939 |
| Net interest margin | 4.7285% | 203 |
| Noninterest income to average assets | 0.1887% | 4,342 |
| Noninterest expense to average assets | 2.9828% | 1,469 |
| Loan and lease loss provision to assets | 0.4897% | 520 |
| Net operating income to assets | 0.9480% | 2,491 |
| Return on assets (ROA) | 0.9480% | 2,639 |
| Pretax return on assets | 1.1995% | 2,326 |
| Return on Equity (ROE) | 11.1403% | 1,582 |
| Retained earnings to average equity (ytd only) | 11.1403% | 423 |
| Net charge-offs to loans | 0.2777% | 619 |
| Credit loss provision to net charge-offs | 204.3855% | 2,143 |
| Earnings coverage of net charge-offs (x) | 7.0504% | 2,728 |
| Efficiency ratio | 63.6213% | 2,877 |
| Assets per employee ($millions) | 8.7923% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 4,482 |
| Loan loss allowance to noncurrent loans | 149.5692% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.6103% | 1,730 |
| Noncurrent loans to loans | 0.5139% | 2,432 |
| Net loans and leases to total assets | 82.9661% | 231 |
| Net loans and leases to deposits | 94.3500% | 641 |
| Net loans and leases to core deposits | 121.9702% | 287 |
| Total domestic deposits to total assets | 87.9344% | 1,505 |
| Equity capital to assets | 7.9945% | 4,711 |
| Core capital (leverage) ratio | 9.7030% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5440% | 2,788 |
| Memoranda: | ||
| Average total assets | $1,541,814,400 | 602 |
| Average earning assets | $1,461,863,800 | 579 |
| Average equity | $131,199,600 | 758 |
| Average total loans | $1,330,347,000 | 502 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7107% | 150 |
| Cost of funding earning assets | 0.9628% | 868 |
| Net interest margin | 4.7479% | 231 |
| Noninterest income to average assets | 0.1856% | 4,359 |
| Noninterest expense to average assets | 3.1301% | 1,183 |
| Loan and lease loss provision to assets | 0.2327% | 1,746 |
| Net operating income to assets | 1.0470% | 2,159 |
| Return on assets (ROA) | 1.0470% | 2,286 |
| Pretax return on assets | 1.3253% | 1,954 |
| Return on Equity (ROE) | 12.0711% | 1,347 |
| Retained earnings to average equity (ytd only) | 12.0711% | 419 |
| Net charge-offs to loans | 0.0615% | 1,721 |
| Credit loss provision to net charge-offs | 434.4123% | 1,396 |
| Earnings coverage of net charge-offs (x) | 29.0886% | 1,615 |
| Efficiency ratio | 66.5317% | 2,396 |
| Assets per employee ($millions) | 8.6148% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6328% | 4,683 |
| Loan loss allowance to noncurrent loans | 95.2228% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 1,648 |
| Noncurrent loans to loans | 0.6646% | 2,125 |
| Net loans and leases to total assets | 89.2393% | 55 |
| Net loans and leases to deposits | 101.2856% | 483 |
| Net loans and leases to core deposits | 126.0111% | 303 |
| Total domestic deposits to total assets | 88.1066% | 1,173 |
| Equity capital to assets | 8.2114% | 4,631 |
| Core capital (leverage) ratio | 10.0952% | 2,626 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1882% | 2,538 |
| Memoranda: | ||
| Average total assets | $1,461,277,250 | 613 |
| Average earning assets | $1,385,743,000 | 593 |
| Average equity | $126,746,000 | 772 |
| Average total loans | $1,273,324,500 | 512 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2518% | 110 |
| Cost of funding earning assets | 1.0732% | 784 |
| Net interest margin | 5.1787% | 145 |
| Noninterest income to average assets | 0.2071% | 4,243 |
| Noninterest expense to average assets | 3.4321% | 814 |
| Loan and lease loss provision to assets | 0.3759% | 1,108 |
| Net operating income to assets | 1.0271% | 2,230 |
| Return on assets (ROA) | 1.0271% | 2,355 |
| Pretax return on assets | 1.3001% | 2,028 |
| Return on Equity (ROE) | 11.5728% | 1,458 |
| Retained earnings to average equity (ytd only) | 11.5728% | 516 |
| Net charge-offs to loans | 0.1003% | 1,269 |
| Credit loss provision to net charge-offs | 435.8974% | 1,335 |
| Earnings coverage of net charge-offs (x) | 19.4359% | 1,721 |
| Efficiency ratio | 66.9562% | 2,387 |
| Assets per employee ($millions) | 8.6209% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6395% | 4,687 |
| Loan loss allowance to noncurrent loans | 128.2808% | 2,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5395% | 2,195 |
| Noncurrent loans to loans | 0.4985% | 2,659 |
| Net loans and leases to total assets | 85.7558% | 148 |
| Net loans and leases to deposits | 96.2918% | 771 |
| Net loans and leases to core deposits | 124.9693% | 330 |
| Total domestic deposits to total assets | 89.0582% | 724 |
| Equity capital to assets | 7.7137% | 4,827 |
| Core capital (leverage) ratio | 7.2157% | 4,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6405% | 2,754 |
| Memoranda: | ||
| Average total assets | $1,356,819,000 | 646 |
| Average earning assets | $1,284,068,333 | 620 |
| Average equity | $120,420,333 | 804 |
| Average total loans | $1,166,508,333 | 543 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5733% | 81 |
| Cost of funding earning assets | 1.3863% | 421 |
| Net interest margin | 5.1870% | 144 |
| Noninterest income to average assets | 0.2636% | 3,959 |
| Noninterest expense to average assets | 3.5063% | 928 |
| Loan and lease loss provision to assets | 0.1962% | 1,542 |
| Net operating income to assets | 1.1589% | 1,661 |
| Return on assets (ROA) | 1.1589% | 1,769 |
| Pretax return on assets | 1.4671% | 1,395 |
| Return on Equity (ROE) | 11.7994% | 1,158 |
| Retained earnings to average equity (ytd only) | 11.7994% | 441 |
| Net charge-offs to loans | -0.0033% | 3,746 |
| Credit loss provision to net charge-offs | -6,875.0000% | 3,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5499% | 2,739 |
| Assets per employee ($millions) | 6.2684% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7796% | 4,455 |
| Loan loss allowance to noncurrent loans | 96.7674% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8274% | 1,622 |
| Noncurrent loans to loans | 0.8056% | 1,995 |
| Net loans and leases to total assets | 83.9321% | 269 |
| Net loans and leases to deposits | 98.3583% | 673 |
| Net loans and leases to core deposits | 119.0120% | 500 |
| Total domestic deposits to total assets | 85.3330% | 2,274 |
| Equity capital to assets | 10.4209% | 3,391 |
| Core capital (leverage) ratio | 9.5982% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0145% | 3,095 |
| Memoranda: | ||
| Average total assets | $1,121,408,500 | 748 |
| Average earning assets | $1,060,656,000 | 723 |
| Average equity | $110,141,500 | 870 |
| Average total loans | $961,065,000 | 618 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9671% | 238 |
| Cost of funding earning assets | 1.7368% | 173 |
| Net interest margin | 4.2303% | 1,258 |
| Noninterest income to average assets | 0.1167% | 4,876 |
| Noninterest expense to average assets | 3.3240% | 1,253 |
| Loan and lease loss provision to assets | 0.1849% | 1,115 |
| Net operating income to assets | 0.5019% | 4,398 |
| Return on assets (ROA) | 0.5019% | 4,454 |
| Pretax return on assets | 0.6379% | 4,353 |
| Return on Equity (ROE) | 5.5918% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.5918% | 2,109 |
| Net charge-offs to loans | 0.0576% | 2,278 |
| Credit loss provision to net charge-offs | 378.7879% | 737 |
| Earnings coverage of net charge-offs (x) | 16.8531% | 2,139 |
| Efficiency ratio | 80.1570% | 931 |
| Assets per employee ($millions) | 6.2599% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,478 |
| Loan loss allowance to noncurrent loans | 190.1451% | 2,178 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 1,954 |
| Noncurrent loans to loans | 0.5283% | 2,597 |
| Net loans and leases to total assets | 86.4020% | 146 |
| Net loans and leases to deposits | 98.7727% | 693 |
| Net loans and leases to core deposits | 120.3276% | 469 |
| Total domestic deposits to total assets | 87.4756% | 1,375 |
| Equity capital to assets | 8.9704% | 4,697 |
| Core capital (leverage) ratio | 8.9200% | 4,582 |
| Tier 1 risk-based capital ratio | 10.8289% | 4,917 |
| Total risk-based capital ratio | 11.8873% | 4,901 |
| Memoranda: | ||
| Average total assets | $878,641,200 | 895 |
| Average earning assets | $837,075,800 | 863 |
| Average equity | $78,866,000 | 1,103 |
| Average total loans | $744,573,400 | 767 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9511% | 265 |
| Cost of funding earning assets | 1.7710% | 156 |
| Net interest margin | 4.1801% | 1,415 |
| Noninterest income to average assets | 0.1246% | 4,904 |
| Noninterest expense to average assets | 3.2751% | 1,320 |
| Loan and lease loss provision to assets | 0.1308% | 1,481 |
| Net operating income to assets | 0.5441% | 4,421 |
| Return on assets (ROA) | 0.5441% | 4,474 |
| Pretax return on assets | 0.6923% | 4,362 |
| Return on Equity (ROE) | 6.0611% | 4,025 |
| Retained earnings to average equity (ytd only) | 6.0611% | 2,344 |
| Net charge-offs to loans | -0.0086% | 4,333 |
| Credit loss provision to net charge-offs | -1,808.5106% | 4,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9167% | 931 |
| Assets per employee ($millions) | 6.2257% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 3,559 |
| Loan loss allowance to noncurrent loans | 178.5079% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.6723% | 2,010 |
| Noncurrent loans to loans | 0.5611% | 2,616 |
| Net loans and leases to total assets | 82.8067% | 486 |
| Net loans and leases to deposits | 96.4984% | 956 |
| Net loans and leases to core deposits | 120.5954% | 519 |
| Total domestic deposits to total assets | 85.8115% | 2,074 |
| Equity capital to assets | 8.5308% | 4,988 |
| Core capital (leverage) ratio | 9.0473% | 4,601 |
| Tier 1 risk-based capital ratio | 10.4303% | 5,095 |
| Total risk-based capital ratio | 11.4547% | 5,078 |
| Memoranda: | ||
| Average total assets | $866,685,750 | 906 |
| Average earning assets | $823,853,750 | 875 |
| Average equity | $77,805,750 | 1,111 |
| Average total loans | $728,565,250 | 782 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0059% | 229 |
| Cost of funding earning assets | 1.8083% | 124 |
| Net interest margin | 4.1976% | 1,369 |
| Noninterest income to average assets | 0.1417% | 4,863 |
| Noninterest expense to average assets | 3.3356% | 1,220 |
| Loan and lease loss provision to assets | 0.0711% | 2,396 |
| Net operating income to assets | 0.5640% | 4,396 |
| Return on assets (ROA) | 0.5640% | 4,429 |
| Pretax return on assets | 0.7140% | 4,299 |
| Return on Equity (ROE) | 6.1695% | 3,995 |
| Retained earnings to average equity (ytd only) | 6.1695% | 2,207 |
| Net charge-offs to loans | -0.0205% | 4,551 |
| Credit loss provision to net charge-offs | -410.9589% | 4,099 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9485% | 889 |
| Assets per employee ($millions) | 5.6650% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 3,706 |
| Loan loss allowance to noncurrent loans | 109.1670% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 1.0253% | 1,357 |
| Noncurrent loans to loans | 0.9037% | 1,810 |
| Net loans and leases to total assets | 85.6511% | 241 |
| Net loans and leases to deposits | 100.0451% | 678 |
| Net loans and leases to core deposits | 121.2893% | 508 |
| Total domestic deposits to total assets | 85.6125% | 2,216 |
| Equity capital to assets | 9.1703% | 4,683 |
| Core capital (leverage) ratio | 9.3290% | 4,332 |
| Tier 1 risk-based capital ratio | 10.6640% | 5,045 |
| Total risk-based capital ratio | 11.6565% | 5,056 |
| Memoranda: | ||
| Average total assets | $844,296,330 | 926 |
| Average earning assets | $800,319,670 | 899 |
| Average equity | $77,186,000 | 1,115 |
| Average total loans | $711,047,670 | 798 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9009% | 259 |
| Cost of funding earning assets | 1.7636% | 118 |
| Net interest margin | 4.1374% | 1,460 |
| Noninterest income to average assets | 0.1264% | 4,976 |
| Noninterest expense to average assets | 3.2764% | 1,336 |
| Loan and lease loss provision to assets | 0.0477% | 2,694 |
| Net operating income to assets | 0.5570% | 4,367 |
| Return on assets (ROA) | 0.5570% | 4,395 |
| Pretax return on assets | 0.7049% | 4,290 |
| Return on Equity (ROE) | 6.1026% | 3,989 |
| Retained earnings to average equity (ytd only) | 6.1026% | 2,417 |
| Net charge-offs to loans | -0.0356% | 4,710 |
| Credit loss provision to net charge-offs | -161.2903% | 3,603 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3210% | 943 |
| Assets per employee ($millions) | 5.7780% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 3,659 |
| Loan loss allowance to noncurrent loans | 158.6261% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.7837% | 1,795 |
| Noncurrent loans to loans | 0.6341% | 2,428 |
| Net loans and leases to total assets | 83.8575% | 386 |
| Net loans and leases to deposits | 96.5465% | 922 |
| Net loans and leases to core deposits | 119.3279% | 546 |
| Total domestic deposits to total assets | 86.8571% | 1,883 |
| Equity capital to assets | 9.2749% | 4,454 |
| Core capital (leverage) ratio | 9.4295% | 4,231 |
| Tier 1 risk-based capital ratio | 11.1383% | 4,917 |
| Total risk-based capital ratio | 12.1613% | 4,918 |
| Memoranda: | ||
| Average total assets | $838,735,500 | 934 |
| Average earning assets | $791,130,000 | 911 |
| Average equity | $76,557,000 | 1,120 |
| Average total loans | $696,584,000 | 822 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9236% | 186 |
| Cost of funding earning assets | 1.4738% | 98 |
| Net interest margin | 4.4498% | 839 |
| Noninterest income to average assets | 0.2585% | 4,383 |
| Noninterest expense to average assets | 3.4018% | 1,148 |
| Loan and lease loss provision to assets | 0.1965% | 963 |
| Net operating income to assets | 0.6238% | 4,351 |
| Return on assets (ROA) | 0.6238% | 4,362 |
| Pretax return on assets | 0.7636% | 4,261 |
| Return on Equity (ROE) | 6.9756% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.9756% | 1,681 |
| Net charge-offs to loans | 0.0051% | 3,534 |
| Credit loss provision to net charge-offs | 4,545.4545% | 109 |
| Earnings coverage of net charge-offs (x) | 222.0909% | 416 |
| Efficiency ratio | 77.9890% | 1,131 |
| Assets per employee ($millions) | 6.3567% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 3,644 |
| Loan loss allowance to noncurrent loans | 137.3315% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.8393% | 1,663 |
| Noncurrent loans to loans | 0.7328% | 2,158 |
| Net loans and leases to total assets | 80.6009% | 851 |
| Net loans and leases to deposits | 92.5083% | 1,470 |
| Net loans and leases to core deposits | 115.2805% | 720 |
| Total domestic deposits to total assets | 87.1282% | 1,716 |
| Equity capital to assets | 8.9828% | 4,594 |
| Core capital (leverage) ratio | 9.0596% | 4,593 |
| Tier 1 risk-based capital ratio | 11.1185% | 4,915 |
| Total risk-based capital ratio | 12.1324% | 4,916 |
| Memoranda: | ||
| Average total assets | $763,363,400 | 984 |
| Average earning assets | $703,944,600 | 985 |
| Average equity | $68,266,200 | 1,185 |
| Average total loans | $651,188,000 | 838 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9094% | 176 |
| Cost of funding earning assets | 1.3532% | 131 |
| Net interest margin | 4.5562% | 657 |
| Noninterest income to average assets | 0.2635% | 4,393 |
| Noninterest expense to average assets | 3.4481% | 1,053 |
| Loan and lease loss provision to assets | 0.2378% | 677 |
| Net operating income to assets | 0.6076% | 4,483 |
| Return on assets (ROA) | 0.6076% | 4,494 |
| Pretax return on assets | 0.7691% | 4,376 |
| Return on Equity (ROE) | 6.8025% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.8025% | 2,234 |
| Net charge-offs to loans | 0.0075% | 3,151 |
| Credit loss provision to net charge-offs | 3,680.5556% | 116 |
| Earnings coverage of net charge-offs (x) | 155.8294% | 527 |
| Efficiency ratio | 77.3982% | 1,186 |
| Assets per employee ($millions) | 6.1465% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 3,751 |
| Loan loss allowance to noncurrent loans | 151.2889% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.9278% | 1,589 |
| Noncurrent loans to loans | 0.6617% | 2,424 |
| Net loans and leases to total assets | 82.2649% | 669 |
| Net loans and leases to deposits | 95.4326% | 1,220 |
| Net loans and leases to core deposits | 121.3182% | 535 |
| Total domestic deposits to total assets | 86.2021% | 2,098 |
| Equity capital to assets | 9.1848% | 4,381 |
| Core capital (leverage) ratio | 9.5203% | 4,149 |
| Tier 1 risk-based capital ratio | 10.9604% | 5,052 |
| Total risk-based capital ratio | 11.9528% | 5,076 |
| Memoranda: | ||
| Average total assets | $742,844,250 | 1,006 |
| Average earning assets | $683,385,750 | 1,008 |
| Average equity | $66,346,750 | 1,213 |
| Average total loans | $641,895,250 | 846 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8321% | 194 |
| Cost of funding earning assets | 1.2233% | 163 |
| Net interest margin | 4.6088% | 540 |
| Noninterest income to average assets | 0.2539% | 4,494 |
| Noninterest expense to average assets | 3.4411% | 1,084 |
| Loan and lease loss provision to assets | 0.3472% | 379 |
| Net operating income to assets | 0.5686% | 4,590 |
| Return on assets (ROA) | 0.5686% | 4,588 |
| Pretax return on assets | 0.7197% | 4,460 |
| Return on Equity (ROE) | 6.4348% | 4,085 |
| Retained earnings to average equity (ytd only) | 6.4348% | 2,346 |
| Net charge-offs to loans | 0.0117% | 2,738 |
| Credit loss provision to net charge-offs | 3,378.3784% | 120 |
| Earnings coverage of net charge-offs (x) | 103.8108% | 680 |
| Efficiency ratio | 76.3325% | 1,384 |
| Assets per employee ($millions) | 5.7766% | 1,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0119% | 3,756 |
| Loan loss allowance to noncurrent loans | 114.0294% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9719% | 1,551 |
| Noncurrent loans to loans | 0.8874% | 1,947 |
| Net loans and leases to total assets | 85.6141% | 295 |
| Net loans and leases to deposits | 100.2981% | 787 |
| Net loans and leases to core deposits | 123.4525% | 475 |
| Total domestic deposits to total assets | 85.3597% | 2,539 |
| Equity capital to assets | 8.4761% | 4,963 |
| Core capital (leverage) ratio | 8.6028% | 5,034 |
| Tier 1 risk-based capital ratio | 9.7900% | 5,469 |
| Total risk-based capital ratio | 10.8004% | 5,470 |
| Memoranda: | ||
| Average total assets | $720,012,330 | 1,038 |
| Average earning assets | $664,601,670 | 1,042 |
| Average equity | $63,622,330 | 1,259 |
| Average total loans | $631,128,000 | 859 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7974% | 183 |
| Cost of funding earning assets | 1.0998% | 231 |
| Net interest margin | 4.6976% | 407 |
| Noninterest income to average assets | 0.2719% | 4,351 |
| Noninterest expense to average assets | 3.4157% | 1,134 |
| Loan and lease loss provision to assets | 0.3721% | 317 |
| Net operating income to assets | 0.6337% | 4,324 |
| Return on assets (ROA) | 0.6337% | 4,337 |
| Pretax return on assets | 0.8020% | 4,145 |
| Return on Equity (ROE) | 7.0154% | 3,778 |
| Retained earnings to average equity (ytd only) | 7.0154% | 2,273 |
| Net charge-offs to loans | 0.0207% | 2,082 |
| Credit loss provision to net charge-offs | 2,031.2500% | 188 |
| Earnings coverage of net charge-offs (x) | 64.0938% | 809 |
| Efficiency ratio | 74.4201% | 1,839 |
| Assets per employee ($millions) | 5.7551% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9589% | 4,179 |
| Loan loss allowance to noncurrent loans | 167.4842% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.8176% | 1,938 |
| Noncurrent loans to loans | 0.5725% | 2,825 |
| Net loans and leases to total assets | 86.5749% | 219 |
| Net loans and leases to deposits | 105.5545% | 402 |
| Net loans and leases to core deposits | 120.8582% | 561 |
| Total domestic deposits to total assets | 82.0192% | 3,958 |
| Equity capital to assets | 8.7802% | 4,764 |
| Core capital (leverage) ratio | 8.9645% | 4,713 |
| Tier 1 risk-based capital ratio | 10.0921% | 5,479 |
| Total risk-based capital ratio | 11.0551% | 5,492 |
| Memoranda: | ||
| Average total assets | $698,766,000 | 1,065 |
| Average earning assets | $642,283,000 | 1,072 |
| Average equity | $63,118,000 | 1,269 |
| Average total loans | $616,949,500 | 875 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6675% | 205 |
| Cost of funding earning assets | 0.8263% | 537 |
| Net interest margin | 4.8412% | 318 |
| Noninterest income to average assets | 0.3058% | 4,270 |
| Noninterest expense to average assets | 3.5398% | 971 |
| Loan and lease loss provision to assets | 0.2647% | 686 |
| Net operating income to assets | 0.4752% | 4,443 |
| Return on assets (ROA) | 0.4752% | 4,478 |
| Pretax return on assets | 0.8940% | 3,944 |
| Return on Equity (ROE) | 5.3685% | 4,018 |
| Retained earnings to average equity (ytd only) | 5.3685% | 1,889 |
| Net charge-offs to loans | 0.1420% | 1,655 |
| Credit loss provision to net charge-offs | 215.3538% | 1,264 |
| Earnings coverage of net charge-offs (x) | 9.4259% | 2,790 |
| Efficiency ratio | 75.3380% | 1,709 |
| Assets per employee ($millions) | 5.6503% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9100% | 4,422 |
| Loan loss allowance to noncurrent loans | 104.1389% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 0.8879% | 1,750 |
| Noncurrent loans to loans | 0.8738% | 2,042 |
| Net loans and leases to total assets | 88.4263% | 121 |
| Net loans and leases to deposits | 102.8947% | 554 |
| Net loans and leases to core deposits | 117.5791% | 666 |
| Total domestic deposits to total assets | 85.9386% | 2,469 |
| Equity capital to assets | 9.3052% | 4,421 |
| Core capital (leverage) ratio | 9.3866% | 4,181 |
| Tier 1 risk-based capital ratio | 10.3565% | 5,424 |
| Total risk-based capital ratio | 11.2602% | 5,475 |
| Memoranda: | ||
| Average total assets | $609,264,200 | 1,178 |
| Average earning assets | $552,838,000 | 1,203 |
| Average equity | $53,925,400 | 1,425 |
| Average total loans | $527,532,800 | 976 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5819% | 232 |
| Cost of funding earning assets | 0.7865% | 625 |
| Net interest margin | 4.7954% | 336 |
| Noninterest income to average assets | 0.2806% | 4,512 |
| Noninterest expense to average assets | 3.4835% | 1,019 |
| Loan and lease loss provision to assets | 0.2669% | 623 |
| Net operating income to assets | 0.5722% | 4,495 |
| Return on assets (ROA) | 0.5722% | 4,536 |
| Pretax return on assets | 0.8670% | 4,149 |
| Return on Equity (ROE) | 6.5603% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.5603% | 1,933 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4440% | 1,671 |
| Assets per employee ($millions) | 5.4755% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,900 |
| Loan loss allowance to noncurrent loans | 82.1591% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.2372% | 1,315 |
| Noncurrent loans to loans | 1.2550% | 1,523 |
| Net loans and leases to total assets | 85.9254% | 262 |
| Net loans and leases to deposits | 99.5481% | 779 |
| Net loans and leases to core deposits | 109.9193% | 1,038 |
| Total domestic deposits to total assets | 86.3154% | 2,171 |
| Equity capital to assets | 8.7768% | 5,099 |
| Core capital (leverage) ratio | 8.9909% | 4,751 |
| Tier 1 risk-based capital ratio | 10.2145% | 5,541 |
| Total risk-based capital ratio | 11.2564% | 5,557 |
| Memoranda: | ||
| Average total assets | $593,483,250 | 1,210 |
| Average earning assets | $536,721,750 | 1,239 |
| Average equity | $51,765,000 | 1,495 |
| Average total loans | $509,409,000 | 1,005 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4891% | 250 |
| Cost of funding earning assets | 0.7289% | 765 |
| Net interest margin | 4.7602% | 351 |
| Noninterest income to average assets | 0.2834% | 4,527 |
| Noninterest expense to average assets | 3.4889% | 1,031 |
| Loan and lease loss provision to assets | 0.2736% | 577 |
| Net operating income to assets | 0.5462% | 4,539 |
| Return on assets (ROA) | 0.5462% | 4,578 |
| Pretax return on assets | 0.8275% | 4,173 |
| Return on Equity (ROE) | 6.2773% | 3,917 |
| Retained earnings to average equity (ytd only) | 6.2773% | 1,976 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0100% | 1,717 |
| Assets per employee ($millions) | 5.4115% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 4,078 |
| Loan loss allowance to noncurrent loans | 272.4696% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 0.4721% | 3,214 |
| Noncurrent loans to loans | 0.3709% | 3,699 |
| Net loans and leases to total assets | 84.7523% | 368 |
| Net loans and leases to deposits | 98.3158% | 865 |
| Net loans and leases to core deposits | 110.0203% | 1,001 |
| Total domestic deposits to total assets | 86.2042% | 2,292 |
| Equity capital to assets | 8.4231% | 5,345 |
| Core capital (leverage) ratio | 8.9868% | 4,743 |
| Tier 1 risk-based capital ratio | 9.9078% | 5,650 |
| Total risk-based capital ratio | 10.9254% | 5,662 |
| Memoranda: | ||
| Average total assets | $575,939,670 | 1,255 |
| Average earning assets | $521,068,670 | 1,275 |
| Average equity | $50,117,330 | 1,535 |
| Average total loans | $492,225,330 | 1,041 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 265 |
| Cost of funding earning assets | 0.6920% | 874 |
| Net interest margin | 4.7206% | 363 |
| Noninterest income to average assets | 0.2634% | 4,655 |
| Noninterest expense to average assets | 3.4338% | 1,139 |
| Loan and lease loss provision to assets | 0.2446% | 627 |
| Net operating income to assets | 0.5775% | 4,253 |
| Return on assets (ROA) | 0.5775% | 4,296 |
| Pretax return on assets | 0.8749% | 3,848 |
| Return on Equity (ROE) | 6.5187% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.5187% | 2,068 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4132% | 1,995 |
| Assets per employee ($millions) | 5.4032% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 4,286 |
| Loan loss allowance to noncurrent loans | 159.3155% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 2,444 |
| Noncurrent loans to loans | 0.6279% | 2,943 |
| Net loans and leases to total assets | 86.0683% | 216 |
| Net loans and leases to deposits | 98.5678% | 721 |
| Net loans and leases to core deposits | 112.1170% | 767 |
| Total domestic deposits to total assets | 87.3189% | 2,063 |
| Equity capital to assets | 8.9229% | 4,884 |
| Core capital (leverage) ratio | 9.2709% | 4,381 |
| Tier 1 risk-based capital ratio | 10.2162% | 5,645 |
| Total risk-based capital ratio | 11.2119% | 5,681 |
| Memoranda: | ||
| Average total assets | $552,747,000 | 1,297 |
| Average earning assets | $502,304,500 | 1,311 |
| Average equity | $48,966,500 | 1,560 |
| Average total loans | $471,928,500 | 1,089 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5616% | 229 |
| Cost of funding earning assets | 0.6700% | 952 |
| Net interest margin | 4.8916% | 294 |
| Noninterest income to average assets | 0.8220% | 1,672 |
| Noninterest expense to average assets | 3.7543% | 818 |
| Loan and lease loss provision to assets | 0.2618% | 788 |
| Net operating income to assets | 0.7591% | 3,496 |
| Return on assets (ROA) | 0.7591% | 3,606 |
| Pretax return on assets | 1.1519% | 2,890 |
| Return on Equity (ROE) | 8.2289% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.2289% | 779 |
| Net charge-offs to loans | 0.1051% | 2,216 |
| Credit loss provision to net charge-offs | 292.6829% | 1,004 |
| Earnings coverage of net charge-offs (x) | 15.8024% | 2,173 |
| Efficiency ratio | 72.6440% | 2,486 |
| Assets per employee ($millions) | 5.4914% | 1,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0199% | 4,194 |
| Loan loss allowance to noncurrent loans | 390.8163% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4510% | 3,460 |
| Noncurrent loans to loans | 0.2610% | 4,216 |
| Net loans and leases to total assets | 82.8809% | 493 |
| Net loans and leases to deposits | 95.0776% | 1,082 |
| Net loans and leases to core deposits | 108.8593% | 969 |
| Total domestic deposits to total assets | 87.1719% | 2,045 |
| Equity capital to assets | 8.7912% | 5,023 |
| Core capital (leverage) ratio | 9.4138% | 4,208 |
| Tier 1 risk-based capital ratio | 10.4964% | 5,574 |
| Total risk-based capital ratio | 11.5159% | 5,611 |
| Memoranda: | ||
| Average total assets | $458,278,600 | 1,488 |
| Average earning assets | $407,169,800 | 1,546 |
| Average equity | $42,277,600 | 1,748 |
| Average total loans | $389,922,000 | 1,220 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6673% | 200 |
| Cost of funding earning assets | 0.6650% | 976 |
| Net interest margin | 5.0022% | 249 |
| Noninterest income to average assets | 0.8752% | 1,491 |
| Noninterest expense to average assets | 3.8778% | 695 |
| Loan and lease loss provision to assets | 0.1521% | 1,539 |
| Net operating income to assets | 0.8052% | 3,342 |
| Return on assets (ROA) | 0.8052% | 3,483 |
| Pretax return on assets | 1.2222% | 2,742 |
| Return on Equity (ROE) | 8.6038% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.6038% | 938 |
| Net charge-offs to loans | -0.0142% | 4,896 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8330% | 2,314 |
| Assets per employee ($millions) | 5.1281% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 4,053 |
| Loan loss allowance to noncurrent loans | 221.9612% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6880% | 2,850 |
| Noncurrent loans to loans | 0.4795% | 3,572 |
| Net loans and leases to total assets | 85.6369% | 275 |
| Net loans and leases to deposits | 99.5077% | 736 |
| Net loans and leases to core deposits | 115.9809% | 659 |
| Total domestic deposits to total assets | 86.0606% | 2,320 |
| Equity capital to assets | 9.4291% | 4,741 |
| Core capital (leverage) ratio | 9.6415% | 4,008 |
| Tier 1 risk-based capital ratio | 10.8881% | 5,432 |
| Total risk-based capital ratio | 11.9518% | 5,434 |
| Memoranda: | ||
| Average total assets | $438,310,000 | 1,546 |
| Average earning assets | $383,526,500 | 1,631 |
| Average equity | $41,019,500 | 1,817 |
| Average total loans | $374,747,000 | 1,254 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5750% | 228 |
| Cost of funding earning assets | 0.6756% | 916 |
| Net interest margin | 4.8994% | 316 |
| Noninterest income to average assets | 1.1050% | 916 |
| Noninterest expense to average assets | 3.9288% | 658 |
| Loan and lease loss provision to assets | 0.0702% | 2,729 |
| Net operating income to assets | 0.9205% | 2,766 |
| Return on assets (ROA) | 0.9205% | 2,902 |
| Pretax return on assets | 1.3944% | 2,054 |
| Return on Equity (ROE) | 9.8635% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.8635% | 629 |
| Net charge-offs to loans | -0.0220% | 4,986 |
| Credit loss provision to net charge-offs | -375.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8449% | 2,543 |
| Assets per employee ($millions) | 4.8706% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 4,286 |
| Loan loss allowance to noncurrent loans | 181.5538% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 3,180 |
| Noncurrent loans to loans | 0.5727% | 3,351 |
| Net loans and leases to total assets | 84.8763% | 344 |
| Net loans and leases to deposits | 98.4757% | 838 |
| Net loans and leases to core deposits | 117.7576% | 584 |
| Total domestic deposits to total assets | 86.1901% | 2,333 |
| Equity capital to assets | 9.1033% | 5,155 |
| Core capital (leverage) ratio | 9.3693% | 4,375 |
| Tier 1 risk-based capital ratio | 10.6647% | 5,598 |
| Total risk-based capital ratio | 11.7095% | 5,607 |
| Memoranda: | ||
| Average total assets | $427,151,330 | 1,585 |
| Average earning assets | $373,882,330 | 1,669 |
| Average equity | $39,864,330 | 1,861 |
| Average total loans | $363,539,670 | 1,290 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6471% | 205 |
| Cost of funding earning assets | 0.6904% | 851 |
| Net interest margin | 4.9567% | 276 |
| Noninterest income to average assets | 1.8134% | 392 |
| Noninterest expense to average assets | 4.2920% | 459 |
| Loan and lease loss provision to assets | 0.1440% | 1,466 |
| Net operating income to assets | 1.1308% | 1,785 |
| Return on assets (ROA) | 1.1308% | 1,894 |
| Pretax return on assets | 1.7126% | 1,045 |
| Return on Equity (ROE) | 11.9591% | 1,326 |
| Retained earnings to average equity (ytd only) | 11.9591% | 513 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8048% | 3,164 |
| Assets per employee ($millions) | 4.9948% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 4,095 |
| Loan loss allowance to noncurrent loans | 185.2060% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6320% | 3,164 |
| Noncurrent loans to loans | 0.5901% | 3,422 |
| Net loans and leases to total assets | 84.3294% | 338 |
| Net loans and leases to deposits | 95.3134% | 1,008 |
| Net loans and leases to core deposits | 106.8607% | 1,027 |
| Total domestic deposits to total assets | 88.4759% | 1,363 |
| Equity capital to assets | 9.4195% | 4,751 |
| Core capital (leverage) ratio | 9.6680% | 3,949 |
| Tier 1 risk-based capital ratio | 11.1191% | 5,441 |
| Total risk-based capital ratio | 12.2191% | 5,431 |
| Memoranda: | ||
| Average total assets | $416,681,000 | 1,624 |
| Average earning assets | $364,436,000 | 1,706 |
| Average equity | $39,401,000 | 1,876 |
| Average total loans | $353,149,500 | 1,317 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0295% | 589 |
| Cost of funding earning assets | 0.7368% | 682 |
| Net interest margin | 4.2927% | 974 |
| Noninterest income to average assets | 0.2968% | 4,758 |
| Noninterest expense to average assets | 3.5372% | 1,234 |
| Loan and lease loss provision to assets | 0.0933% | 2,449 |
| Net operating income to assets | 0.5872% | 4,341 |
| Return on assets (ROA) | 0.5872% | 4,435 |
| Pretax return on assets | 0.5828% | 4,889 |
| Return on Equity (ROE) | 6.4810% | 3,792 |
| Retained earnings to average equity (ytd only) | 6.4810% | 1,553 |
| Net charge-offs to loans | 0.0329% | 3,555 |
| Credit loss provision to net charge-offs | 356.4356% | 836 |
| Earnings coverage of net charge-offs (x) | 25.8218% | 1,615 |
| Efficiency ratio | 83.9527% | 1,184 |
| Assets per employee ($millions) | 4.6455% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 4,024 |
| Loan loss allowance to noncurrent loans | 134.2031% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8275% | 2,598 |
| Noncurrent loans to loans | 0.8237% | 2,728 |
| Net loans and leases to total assets | 83.2941% | 453 |
| Net loans and leases to deposits | 92.3558% | 1,363 |
| Net loans and leases to core deposits | 102.9070% | 1,302 |
| Total domestic deposits to total assets | 90.1883% | 551 |
| Equity capital to assets | 9.4937% | 4,555 |
| Core capital (leverage) ratio | 9.4021% | 4,316 |
| Tier 1 risk-based capital ratio | 11.3075% | 5,373 |
| Total risk-based capital ratio | 12.4164% | 5,336 |
| Memoranda: | ||
| Average total assets | $385,733,800 | 1,703 |
| Average earning assets | $351,924,800 | 1,714 |
| Average equity | $34,948,200 | 2,037 |
| Average total loans | $306,986,000 | 1,442 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9721% | 661 |
| Cost of funding earning assets | 0.7461% | 661 |
| Net interest margin | 4.2260% | 1,112 |
| Noninterest income to average assets | 0.3260% | 4,607 |
| Noninterest expense to average assets | 3.4451% | 1,391 |
| Loan and lease loss provision to assets | 0.1263% | 1,789 |
| Net operating income to assets | 0.6443% | 4,164 |
| Return on assets (ROA) | 0.6443% | 4,274 |
| Pretax return on assets | 0.6443% | 4,851 |
| Return on Equity (ROE) | 7.2035% | 3,525 |
| Retained earnings to average equity (ytd only) | 7.2035% | 1,597 |
| Net charge-offs to loans | 0.0479% | 2,937 |
| Credit loss provision to net charge-offs | 336.4486% | 869 |
| Earnings coverage of net charge-offs (x) | 20.5238% | 1,867 |
| Efficiency ratio | 81.7213% | 1,432 |
| Assets per employee ($millions) | 4.8185% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1852% | 3,740 |
| Loan loss allowance to noncurrent loans | 471.4640% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 4,431 |
| Noncurrent loans to loans | 0.2514% | 4,673 |
| Net loans and leases to total assets | 78.2771% | 1,057 |
| Net loans and leases to deposits | 86.1589% | 2,123 |
| Net loans and leases to core deposits | 96.5354% | 1,838 |
| Total domestic deposits to total assets | 90.8521% | 292 |
| Equity capital to assets | 8.8693% | 5,426 |
| Core capital (leverage) ratio | 8.8918% | 5,129 |
| Tier 1 risk-based capital ratio | 10.8527% | 5,731 |
| Total risk-based capital ratio | 12.0015% | 5,714 |
| Memoranda: | ||
| Average total assets | $379,965,250 | 1,740 |
| Average earning assets | $349,727,750 | 1,742 |
| Average equity | $33,982,500 | 2,104 |
| Average total loans | $297,652,750 | 1,488 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7722% | 940 |
| Cost of funding earning assets | 0.7216% | 754 |
| Net interest margin | 4.0505% | 1,496 |
| Noninterest income to average assets | 0.3734% | 4,270 |
| Noninterest expense to average assets | 3.3290% | 1,631 |
| Loan and lease loss provision to assets | 0.1399% | 1,556 |
| Net operating income to assets | 0.7129% | 3,829 |
| Return on assets (ROA) | 0.7129% | 3,948 |
| Pretax return on assets | 0.7129% | 4,615 |
| Return on Equity (ROE) | 7.9475% | 3,086 |
| Retained earnings to average equity (ytd only) | 7.9475% | 1,289 |
| Net charge-offs to loans | 0.0738% | 2,337 |
| Credit loss provision to net charge-offs | 242.9907% | 1,069 |
| Earnings coverage of net charge-offs (x) | 14.8131% | 2,032 |
| Efficiency ratio | 79.6063% | 1,812 |
| Assets per employee ($millions) | 4.9533% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 3,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 5,302 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.7464% | 1,702 |
| Net loans and leases to deposits | 81.3044% | 2,636 |
| Net loans and leases to core deposits | 90.2754% | 2,318 |
| Total domestic deposits to total assets | 90.7040% | 385 |
| Equity capital to assets | 9.0394% | 5,200 |
| Core capital (leverage) ratio | 9.1761% | 4,725 |
| Tier 1 risk-based capital ratio | 11.3877% | 5,532 |
| Total risk-based capital ratio | 12.5788% | 5,488 |
| Memoranda: | ||
| Average total assets | $371,701,000 | 1,789 |
| Average earning assets | $349,484,330 | 1,752 |
| Average equity | $33,343,670 | 2,150 |
| Average total loans | $289,992,670 | 1,521 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6709% | 1,091 |
| Cost of funding earning assets | 0.6786% | 958 |
| Net interest margin | 3.9923% | 1,585 |
| Noninterest income to average assets | 0.4344% | 3,735 |
| Noninterest expense to average assets | 3.3137% | 1,689 |
| Loan and lease loss provision to assets | 0.2874% | 516 |
| Net operating income to assets | 0.6698% | 3,957 |
| Return on assets (ROA) | 0.6698% | 4,079 |
| Pretax return on assets | 0.6698% | 4,692 |
| Return on Equity (ROE) | 7.4978% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.4978% | 1,762 |
| Net charge-offs to loans | 0.1288% | 1,480 |
| Credit loss provision to net charge-offs | 279.5699% | 855 |
| Earnings coverage of net charge-offs (x) | 9.3118% | 2,018 |
| Efficiency ratio | 77.5880% | 2,247 |
| Assets per employee ($millions) | 5.3888% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 3,710 |
| Loan loss allowance to noncurrent loans | 13,755.5556% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 5,336 |
| Noncurrent loans to loans | 0.0091% | 5,773 |
| Net loans and leases to total assets | 79.1557% | 781 |
| Net loans and leases to deposits | 91.3063% | 1,256 |
| Net loans and leases to core deposits | 98.9371% | 1,400 |
| Total domestic deposits to total assets | 86.6925% | 2,555 |
| Equity capital to assets | 9.0469% | 5,238 |
| Core capital (leverage) ratio | 9.4163% | 4,404 |
| Tier 1 risk-based capital ratio | 10.8566% | 5,875 |
| Total risk-based capital ratio | 12.0553% | 5,820 |
| Memoranda: | ||
| Average total assets | $361,896,500 | 1,832 |
| Average earning assets | $347,773,500 | 1,771 |
| Average equity | $32,329,500 | 2,220 |
| Average total loans | $288,850,500 | 1,517 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0095% | 753 |
| Cost of funding earning assets | 0.7486% | 848 |
| Net interest margin | 4.2609% | 1,142 |
| Noninterest income to average assets | 0.6114% | 2,791 |
| Noninterest expense to average assets | 3.3661% | 1,770 |
| Loan and lease loss provision to assets | 0.5869% | 242 |
| Net operating income to assets | 0.7385% | 3,685 |
| Return on assets (ROA) | 0.7385% | 3,793 |
| Pretax return on assets | 0.7385% | 4,483 |
| Return on Equity (ROE) | 7.7813% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.7813% | 1,098 |
| Net charge-offs to loans | 0.3462% | 1,269 |
| Credit loss provision to net charge-offs | 213.3102% | 1,162 |
| Earnings coverage of net charge-offs (x) | 4.8171% | 3,559 |
| Efficiency ratio | 71.7486% | 3,246 |
| Assets per employee ($millions) | 5.4148% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 3,607 |
| Loan loss allowance to noncurrent loans | 442.8215% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4026% | 4,484 |
| Noncurrent loans to loans | 0.2864% | 4,823 |
| Net loans and leases to total assets | 78.4501% | 943 |
| Net loans and leases to deposits | 86.3016% | 1,944 |
| Net loans and leases to core deposits | 93.3127% | 1,965 |
| Total domestic deposits to total assets | 90.9022% | 402 |
| Equity capital to assets | 8.8134% | 5,475 |
| Core capital (leverage) ratio | 9.3425% | 4,473 |
| Tier 1 risk-based capital ratio | 10.5051% | 6,100 |
| Total risk-based capital ratio | 11.7063% | 6,061 |
| Memoranda: | ||
| Average total assets | $314,012,800 | 2,068 |
| Average earning assets | $300,685,800 | 1,993 |
| Average equity | $29,802,400 | 2,281 |
| Average total loans | $249,531,000 | 1,688 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 664 |
| Cost of funding earning assets | 0.7566% | 869 |
| Net interest margin | 4.3301% | 986 |
| Noninterest income to average assets | 0.7049% | 2,304 |
| Noninterest expense to average assets | 3.3888% | 1,702 |
| Loan and lease loss provision to assets | 0.5722% | 243 |
| Net operating income to assets | 0.8835% | 2,999 |
| Return on assets (ROA) | 0.8835% | 3,102 |
| Pretax return on assets | 0.8835% | 4,062 |
| Return on Equity (ROE) | 9.1213% | 2,615 |
| Retained earnings to average equity (ytd only) | 9.1213% | 949 |
| Net charge-offs to loans | 0.2882% | 1,367 |
| Credit loss provision to net charge-offs | 249.9044% | 1,056 |
| Earnings coverage of net charge-offs (x) | 6.3575% | 3,095 |
| Efficiency ratio | 69.9503% | 3,518 |
| Assets per employee ($millions) | 5.3792% | 1,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 3,417 |
| Loan loss allowance to noncurrent loans | 368.7569% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4725% | 4,482 |
| Noncurrent loans to loans | 0.3649% | 4,818 |
| Net loans and leases to total assets | 76.1517% | 1,201 |
| Net loans and leases to deposits | 84.3762% | 2,100 |
| Net loans and leases to core deposits | 92.3201% | 2,007 |
| Total domestic deposits to total assets | 90.2526% | 629 |
| Equity capital to assets | 9.4791% | 4,817 |
| Core capital (leverage) ratio | 9.5992% | 4,243 |
| Tier 1 risk-based capital ratio | 11.4553% | 5,810 |
| Total risk-based capital ratio | 12.7055% | 5,746 |
| Memoranda: | ||
| Average total assets | $304,525,000 | 2,146 |
| Average earning assets | $291,132,750 | 2,076 |
| Average equity | $29,498,000 | 2,311 |
| Average total loans | $241,998,000 | 1,753 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 607 |
| Cost of funding earning assets | 0.7513% | 917 |
| Net interest margin | 4.3591% | 924 |
| Noninterest income to average assets | 0.8799% | 1,556 |
| Noninterest expense to average assets | 3.4264% | 1,623 |
| Loan and lease loss provision to assets | 0.7720% | 166 |
| Net operating income to assets | 0.8457% | 3,095 |
| Return on assets (ROA) | 0.8457% | 3,197 |
| Pretax return on assets | 0.8457% | 4,097 |
| Return on Equity (ROE) | 8.6638% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.6638% | 1,089 |
| Net charge-offs to loans | 0.3923% | 1,029 |
| Credit loss provision to net charge-offs | 245.1064% | 1,006 |
| Earnings coverage of net charge-offs (x) | 5.1362% | 2,983 |
| Efficiency ratio | 67.9288% | 4,021 |
| Assets per employee ($millions) | 5.7629% | 1,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 3,953 |
| Loan loss allowance to noncurrent loans | 210.9020% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5807% | 4,243 |
| Noncurrent loans to loans | 0.6078% | 4,203 |
| Net loans and leases to total assets | 80.4236% | 638 |
| Net loans and leases to deposits | 89.2011% | 1,454 |
| Net loans and leases to core deposits | 98.0052% | 1,442 |
| Total domestic deposits to total assets | 90.1599% | 734 |
| Equity capital to assets | 9.5843% | 4,646 |
| Core capital (leverage) ratio | 9.8260% | 3,850 |
| Tier 1 risk-based capital ratio | 11.0118% | 6,048 |
| Total risk-based capital ratio | 12.2117% | 6,008 |
| Memoranda: | ||
| Average total assets | $298,449,000 | 2,186 |
| Average earning assets | $285,102,000 | 2,103 |
| Average equity | $29,132,670 | 2,329 |
| Average total loans | $239,619,330 | 1,761 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1303% | 563 |
| Cost of funding earning assets | 0.7526% | 960 |
| Net interest margin | 4.3777% | 844 |
| Noninterest income to average assets | 0.3917% | 4,258 |
| Noninterest expense to average assets | 3.3471% | 1,835 |
| Loan and lease loss provision to assets | 0.5560% | 244 |
| Net operating income to assets | 0.6628% | 3,879 |
| Return on assets (ROA) | 0.6628% | 3,970 |
| Pretax return on assets | 0.6628% | 4,625 |
| Return on Equity (ROE) | 6.7255% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.7255% | 2,181 |
| Net charge-offs to loans | -0.0172% | 5,281 |
| Credit loss provision to net charge-offs | -4,060.0000% | 5,578 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3053% | 3,260 |
| Assets per employee ($millions) | 5.4207% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 4,206 |
| Loan loss allowance to noncurrent loans | 885.4599% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 5,146 |
| Noncurrent loans to loans | 0.1451% | 5,656 |
| Net loans and leases to total assets | 76.9223% | 890 |
| Net loans and leases to deposits | 85.4835% | 1,662 |
| Net loans and leases to core deposits | 94.5856% | 1,501 |
| Total domestic deposits to total assets | 89.9849% | 1,083 |
| Equity capital to assets | 9.7387% | 4,181 |
| Core capital (leverage) ratio | 10.0603% | 3,485 |
| Tier 1 risk-based capital ratio | 11.2543% | 6,039 |
| Total risk-based capital ratio | 12.4109% | 6,044 |
| Memoranda: | ||
| Average total assets | $292,075,500 | 2,220 |
| Average earning assets | $278,503,000 | 2,158 |
| Average equity | $28,786,000 | 2,340 |
| Average total loans | $232,666,500 | 1,804 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8862% | 1,118 |
| Cost of funding earning assets | 0.8014% | 1,204 |
| Net interest margin | 4.0847% | 1,692 |
| Noninterest income to average assets | 0.3631% | 4,711 |
| Noninterest expense to average assets | 3.4600% | 1,750 |
| Loan and lease loss provision to assets | 0.3163% | 1,052 |
| Net operating income to assets | 0.4494% | 4,958 |
| Return on assets (ROA) | 0.4494% | 5,083 |
| Pretax return on assets | 0.4494% | 5,364 |
| Return on Equity (ROE) | 4.1511% | 5,035 |
| Retained earnings to average equity (ytd only) | -1.1776% | 6,086 |
| Net charge-offs to loans | 0.4492% | 1,475 |
| Credit loss provision to net charge-offs | 90.5782% | 2,737 |
| Earnings coverage of net charge-offs (x) | 2.1927% | 4,297 |
| Efficiency ratio | 81.8793% | 1,891 |
| Assets per employee ($millions) | 5.3964% | 1,754 |
| Cash dividends to net income (ytd only)* | 128.3694% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 5,138 |
| Loan loss allowance to noncurrent loans | 12,228.5714% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.4643% | 4,847 |
| Noncurrent loans to loans | 0.0090% | 6,266 |
| Net loans and leases to total assets | 80.5721% | 537 |
| Net loans and leases to deposits | 89.7571% | 1,256 |
| Net loans and leases to core deposits | 100.3379% | 1,128 |
| Total domestic deposits to total assets | 89.7668% | 1,205 |
| Equity capital to assets | 9.9776% | 3,803 |
| Core capital (leverage) ratio | 10.1421% | 3,374 |
| Tier 1 risk-based capital ratio | 10.8917% | 6,225 |
| Total risk-based capital ratio | 11.8718% | 6,285 |
| Memoranda: | ||
| Average total assets | $267,455,800 | 2,377 |
| Average earning assets | $252,918,400 | 2,306 |
| Average equity | $28,956,000 | 2,315 |
| Average total loans | $207,923,000 | 1,942 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7662% | 1,426 |
| Cost of funding earning assets | 0.8070% | 1,284 |
| Net interest margin | 3.9592% | 2,079 |
| Noninterest income to average assets | 0.4079% | 4,477 |
| Noninterest expense to average assets | 3.2645% | 2,164 |
| Loan and lease loss provision to assets | 0.2795% | 1,246 |
| Net operating income to assets | 0.5996% | 4,347 |
| Return on assets (ROA) | 0.5996% | 4,471 |
| Pretax return on assets | 0.5996% | 5,008 |
| Return on Equity (ROE) | 5.4230% | 4,510 |
| Retained earnings to average equity (ytd only) | -1.6563% | 6,223 |
| Net charge-offs to loans | 0.5488% | 1,160 |
| Credit loss provision to net charge-offs | 66.3855% | 3,153 |
| Earnings coverage of net charge-offs (x) | 2.0880% | 4,141 |
| Efficiency ratio | 78.7831% | 2,297 |
| Assets per employee ($millions) | 5.4908% | 1,633 |
| Cash dividends to net income (ytd only)* | 130.5414% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1304% | 5,208 |
| Loan loss allowance to noncurrent loans | 2,103.5398% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 4,680 |
| Noncurrent loans to loans | 0.0537% | 6,186 |
| Net loans and leases to total assets | 75.7267% | 1,043 |
| Net loans and leases to deposits | 84.6985% | 1,777 |
| Net loans and leases to core deposits | 96.0823% | 1,387 |
| Total domestic deposits to total assets | 89.4074% | 1,356 |
| Equity capital to assets | 10.3788% | 3,417 |
| Core capital (leverage) ratio | 10.5932% | 2,898 |
| Tier 1 risk-based capital ratio | 11.9759% | 5,793 |
| Total risk-based capital ratio | 12.9749% | 5,894 |
| Memoranda: | ||
| Average total assets | $262,817,000 | 2,429 |
| Average earning assets | $247,992,250 | 2,356 |
| Average equity | $29,060,750 | 2,331 |
| Average total loans | $201,650,500 | 1,997 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 1,520 |
| Cost of funding earning assets | 0.7985% | 1,420 |
| Net interest margin | 3.9196% | 2,150 |
| Noninterest income to average assets | 0.4928% | 3,882 |
| Noninterest expense to average assets | 3.2699% | 2,159 |
| Loan and lease loss provision to assets | 0.2194% | 1,732 |
| Net operating income to assets | 0.7006% | 3,806 |
| Return on assets (ROA) | 0.7006% | 3,983 |
| Pretax return on assets | 0.7006% | 4,681 |
| Return on Equity (ROE) | 6.2018% | 4,047 |
| Retained earnings to average equity (ytd only) | 5.9078% | 2,488 |
| Net charge-offs to loans | 0.7546% | 852 |
| Credit loss provision to net charge-offs | 37.8667% | 3,457 |
| Earnings coverage of net charge-offs (x) | 1.5880% | 3,996 |
| Efficiency ratio | 78.0420% | 2,445 |
| Assets per employee ($millions) | 5.3883% | 1,708 |
| Cash dividends to net income (ytd only)* | 4.7409% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0561% | 5,600 |
| Loan loss allowance to noncurrent loans | 823.3083% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.6824% | 4,515 |
| Noncurrent loans to loans | 0.1283% | 6,003 |
| Net loans and leases to total assets | 79.3303% | 600 |
| Net loans and leases to deposits | 89.8187% | 1,166 |
| Net loans and leases to core deposits | 104.8597% | 802 |
| Total domestic deposits to total assets | 88.3228% | 2,026 |
| Equity capital to assets | 11.4820% | 2,311 |
| Core capital (leverage) ratio | 11.5593% | 1,890 |
| Tier 1 risk-based capital ratio | 12.9012% | 5,222 |
| Total risk-based capital ratio | 13.8527% | 5,369 |
| Memoranda: | ||
| Average total assets | $258,909,330 | 2,467 |
| Average earning assets | $244,211,000 | 2,407 |
| Average equity | $29,249,670 | 2,322 |
| Average total loans | $198,775,000 | 2,018 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6363% | 1,725 |
| Cost of funding earning assets | 0.7924% | 1,571 |
| Net interest margin | 3.8439% | 2,305 |
| Noninterest income to average assets | 0.3351% | 5,019 |
| Noninterest expense to average assets | 3.0481% | 2,843 |
| Loan and lease loss provision to assets | 0.1714% | 2,148 |
| Net operating income to assets | 0.7335% | 3,516 |
| Return on assets (ROA) | 0.7335% | 3,656 |
| Pretax return on assets | 0.7335% | 4,429 |
| Return on Equity (ROE) | 6.5459% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.2427% | 2,542 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1094% | 2,737 |
| Assets per employee ($millions) | 5.6722% | 1,516 |
| Cash dividends to net income (ytd only)* | 4.6316% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,318 |
| Loan loss allowance to noncurrent loans | 255.2583% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9999% | 3,926 |
| Noncurrent loans to loans | 0.5418% | 5,092 |
| Net loans and leases to total assets | 75.6150% | 891 |
| Net loans and leases to deposits | 85.3525% | 1,438 |
| Net loans and leases to core deposits | 99.1696% | 996 |
| Total domestic deposits to total assets | 88.5915% | 1,941 |
| Equity capital to assets | 11.2157% | 2,719 |
| Core capital (leverage) ratio | 11.3924% | 1,952 |
| Tier 1 risk-based capital ratio | 13.1101% | 5,137 |
| Total risk-based capital ratio | 14.3389% | 5,104 |
| Memoranda: | ||
| Average total assets | $259,044,000 | 2,497 |
| Average earning assets | $243,816,500 | 2,437 |
| Average equity | $29,026,000 | 2,376 |
| Average total loans | $194,477,500 | 2,070 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8967% | 1,849 |
| Cost of funding earning assets | 0.6508% | 3,907 |
| Net interest margin | 4.2459% | 1,529 |
| Noninterest income to average assets | 0.2354% | 5,765 |
| Noninterest expense to average assets | 3.4005% | 2,046 |
| Loan and lease loss provision to assets | 0.5695% | 989 |
| Net operating income to assets | 0.1830% | 5,824 |
| Return on assets (ROA) | 0.2354% | 5,878 |
| Pretax return on assets | 0.2354% | 5,943 |
| Return on Equity (ROE) | 1.9170% | 5,926 |
| Retained earnings to average equity (ytd only) | 1.5322% | 5,099 |
| Net charge-offs to loans | 0.4355% | 2,492 |
| Credit loss provision to net charge-offs | 169.3671% | 1,560 |
| Earnings coverage of net charge-offs (x) | 2.2380% | 4,304 |
| Efficiency ratio | 81.8815% | 1,878 |
| Assets per employee ($millions) | 5.9807% | 1,291 |
| Cash dividends to net income (ytd only)* | 20.0723% | 3,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 4,144 |
| Loan loss allowance to noncurrent loans | 239.4950% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0864% | 3,843 |
| Noncurrent loans to loans | 0.5871% | 5,066 |
| Net loans and leases to total assets | 72.4185% | 1,432 |
| Net loans and leases to deposits | 81.7177% | 2,041 |
| Net loans and leases to core deposits | 95.5233% | 1,348 |
| Total domestic deposits to total assets | 88.6203% | 1,824 |
| Equity capital to assets | 11.1942% | 2,741 |
| Core capital (leverage) ratio | 11.6936% | 1,739 |
| Tier 1 risk-based capital ratio | 13.4035% | 4,822 |
| Total risk-based capital ratio | 14.6401% | 4,784 |
| Memoranda: | ||
| Average total assets | $234,962,400 | 2,677 |
| Average earning assets | $216,798,600 | 2,647 |
| Average equity | $28,846,800 | 2,333 |
| Average total loans | $181,418,200 | 2,183 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 1,758 |
| Cost of funding earning assets | 0.6779% | 3,955 |
| Net interest margin | 4.2975% | 1,471 |
| Noninterest income to average assets | 0.2046% | 6,064 |
| Noninterest expense to average assets | 3.5266% | 1,698 |
| Loan and lease loss provision to assets | 0.1162% | 4,110 |
| Net operating income to assets | 0.5190% | 4,768 |
| Return on assets (ROA) | 0.5905% | 4,703 |
| Pretax return on assets | 0.5905% | 5,194 |
| Return on Equity (ROE) | 4.6936% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.2824% | 3,881 |
| Net charge-offs to loans | 0.1582% | 3,853 |
| Credit loss provision to net charge-offs | 93.8967% | 3,179 |
| Earnings coverage of net charge-offs (x) | 5.1315% | 3,104 |
| Efficiency ratio | 84.7368% | 1,504 |
| Assets per employee ($millions) | 5.6225% | 1,522 |
| Cash dividends to net income (ytd only)* | 8.7596% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 5,517 |
| Loan loss allowance to noncurrent loans | 578.7293% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.8668% | 4,559 |
| Noncurrent loans to loans | 0.1988% | 6,114 |
| Net loans and leases to total assets | 76.2360% | 939 |
| Net loans and leases to deposits | 87.2815% | 1,442 |
| Net loans and leases to core deposits | 100.3473% | 1,099 |
| Total domestic deposits to total assets | 87.3450% | 2,467 |
| Equity capital to assets | 12.3870% | 1,971 |
| Core capital (leverage) ratio | 12.2961% | 1,496 |
| Tier 1 risk-based capital ratio | 14.3468% | 4,304 |
| Total risk-based capital ratio | 15.3744% | 4,398 |
| Memoranda: | ||
| Average total assets | $229,410,750 | 2,761 |
| Average earning assets | $211,248,750 | 2,747 |
| Average equity | $28,861,500 | 2,344 |
| Average total loans | $179,549,250 | 2,236 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9503% | 1,926 |
| Cost of funding earning assets | 0.6855% | 4,141 |
| Net interest margin | 4.2648% | 1,567 |
| Noninterest income to average assets | 0.2095% | 6,063 |
| Noninterest expense to average assets | 3.4486% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7105% | 3,811 |
| Return on assets (ROA) | 0.7105% | 4,078 |
| Pretax return on assets | 0.7105% | 4,805 |
| Return on Equity (ROE) | 5.6175% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.1441% | 3,191 |
| Net charge-offs to loans | 0.1824% | 3,500 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.9509% | 2,951 |
| Efficiency ratio | 82.9170% | 1,762 |
| Assets per employee ($millions) | 5.7690% | 1,401 |
| Cash dividends to net income (ytd only)* | 8.4263% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0987% | 5,778 |
| Loan loss allowance to noncurrent loans | 856.8282% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 4,732 |
| Noncurrent loans to loans | 0.1282% | 6,344 |
| Net loans and leases to total assets | 75.8742% | 979 |
| Net loans and leases to deposits | 87.0201% | 1,475 |
| Net loans and leases to core deposits | 99.6279% | 1,126 |
| Total domestic deposits to total assets | 87.1915% | 2,657 |
| Equity capital to assets | 12.6117% | 1,746 |
| Core capital (leverage) ratio | 12.7549% | 1,234 |
| Tier 1 risk-based capital ratio | 14.7408% | 3,939 |
| Total risk-based capital ratio | 15.7281% | 4,080 |
| Memoranda: | ||
| Average total assets | $227,166,670 | 2,785 |
| Average earning assets | $210,371,670 | 2,755 |
| Average equity | $28,731,670 | 2,346 |
| Average total loans | $178,692,000 | 2,248 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 2,272 |
| Cost of funding earning assets | 0.6982% | 4,293 |
| Net interest margin | 4.1948% | 1,770 |
| Noninterest income to average assets | 0.1935% | 6,226 |
| Noninterest expense to average assets | 3.2657% | 2,397 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8413% | 3,195 |
| Return on assets (ROA) | 0.8413% | 3,435 |
| Pretax return on assets | 0.8413% | 4,261 |
| Return on Equity (ROE) | 6.6419% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.3336% | 2,780 |
| Net charge-offs to loans | 0.2741% | 2,574 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.8537% | 2,725 |
| Efficiency ratio | 79.5160% | 2,265 |
| Assets per employee ($millions) | 5.2045% | 1,990 |
| Cash dividends to net income (ytd only)* | 4.6414% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,835 |
| Loan loss allowance to noncurrent loans | 80.9213% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 1.7775% | 3,201 |
| Noncurrent loans to loans | 1.3848% | 4,037 |
| Net loans and leases to total assets | 78.2646% | 566 |
| Net loans and leases to deposits | 90.0167% | 961 |
| Net loans and leases to core deposits | 102.7454% | 826 |
| Total domestic deposits to total assets | 86.9446% | 2,985 |
| Equity capital to assets | 12.8664% | 1,501 |
| Core capital (leverage) ratio | 12.7621% | 1,220 |
| Tier 1 risk-based capital ratio | 14.6521% | 3,982 |
| Total risk-based capital ratio | 15.6642% | 4,135 |
| Memoranda: | ||
| Average total assets | $225,369,500 | 2,826 |
| Average earning assets | $210,262,000 | 2,770 |
| Average equity | $28,546,000 | 2,359 |
| Average total loans | $179,521,500 | 2,249 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9491% | 3,108 |
| Cost of funding earning assets | 0.8873% | 4,208 |
| Net interest margin | 4.0618% | 2,595 |
| Noninterest income to average assets | 0.1246% | 6,526 |
| Noninterest expense to average assets | 3.3587% | 2,343 |
| Loan and lease loss provision to assets | 1.4015% | 558 |
| Net operating income to assets | -0.8303% | 6,670 |
| Return on assets (ROA) | -0.7877% | 6,682 |
| Pretax return on assets | -0.7877% | 6,641 |
| Return on Equity (ROE) | -6.8994% | 6,628 |
| Retained earnings to average equity (ytd only) | -6.8994% | 6,567 |
| Net charge-offs to loans | 1.5489% | 1,027 |
| Credit loss provision to net charge-offs | 118.0813% | 2,719 |
| Earnings coverage of net charge-offs (x) | 0.4812% | 5,467 |
| Efficiency ratio | 85.4656% | 1,623 |
| Assets per employee ($millions) | 5.6737% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 5,578 |
| Loan loss allowance to noncurrent loans | 281.8182% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 1.4034% | 3,883 |
| Noncurrent loans to loans | 0.4112% | 5,897 |
| Net loans and leases to total assets | 79.2255% | 575 |
| Net loans and leases to deposits | 90.9174% | 1,065 |
| Net loans and leases to core deposits | 103.3832% | 938 |
| Total domestic deposits to total assets | 87.1402% | 2,679 |
| Equity capital to assets | 12.4690% | 1,817 |
| Core capital (leverage) ratio | 12.1037% | 1,535 |
| Tier 1 risk-based capital ratio | 14.1518% | 4,218 |
| Total risk-based capital ratio | 15.2067% | 4,311 |
| Memoranda: | ||
| Average total assets | $213,417,800 | 2,908 |
| Average earning assets | $199,937,000 | 2,855 |
| Average equity | $24,364,400 | 2,632 |
| Average total loans | $163,532,400 | 2,448 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8178% | 3,951 |
| Cost of funding earning assets | 0.9057% | 4,356 |
| Net interest margin | 3.9121% | 3,325 |
| Noninterest income to average assets | 0.2152% | 6,067 |
| Noninterest expense to average assets | 3.0972% | 3,172 |
| Loan and lease loss provision to assets | 0.4253% | 2,344 |
| Net operating income to assets | 0.3669% | 5,136 |
| Return on assets (ROA) | 0.4082% | 5,150 |
| Pretax return on assets | 0.4082% | 5,444 |
| Return on Equity (ROE) | 3.6667% | 5,143 |
| Retained earnings to average equity (ytd only) | 3.6667% | 4,145 |
| Net charge-offs to loans | 0.2089% | 4,127 |
| Credit loss provision to net charge-offs | 269.0763% | 1,064 |
| Earnings coverage of net charge-offs (x) | 5.0121% | 2,898 |
| Efficiency ratio | 79.6311% | 2,307 |
| Assets per employee ($millions) | 6.2993% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1817% | 5,545 |
| Loan loss allowance to noncurrent loans | 94.2649% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8186% | 3,370 |
| Noncurrent loans to loans | 1.2536% | 4,442 |
| Net loans and leases to total assets | 76.3671% | 931 |
| Net loans and leases to deposits | 88.5645% | 1,367 |
| Net loans and leases to core deposits | 102.5116% | 1,072 |
| Total domestic deposits to total assets | 86.2276% | 3,078 |
| Equity capital to assets | 13.5126% | 1,363 |
| Core capital (leverage) ratio | 14.0756% | 883 |
| Tier 1 risk-based capital ratio | 15.8398% | 3,198 |
| Total risk-based capital ratio | 16.9124% | 3,268 |
| Memoranda: | ||
| Average total assets | $210,035,500 | 2,960 |
| Average earning assets | $197,262,000 | 2,898 |
| Average equity | $23,381,000 | 2,740 |
| Average total loans | $158,938,500 | 2,530 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 3,986 |
| Cost of funding earning assets | 0.9271% | 4,478 |
| Net interest margin | 3.8961% | 3,325 |
| Noninterest income to average assets | 0.2191% | 6,100 |
| Noninterest expense to average assets | 3.1655% | 3,028 |
| Loan and lease loss provision to assets | 0.2690% | 3,241 |
| Net operating income to assets | 0.4558% | 4,691 |
| Return on assets (ROA) | 0.4558% | 4,828 |
| Pretax return on assets | 0.4558% | 5,206 |
| Return on Equity (ROE) | 4.4465% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.4465% | 3,363 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3679% | 2,192 |
| Assets per employee ($millions) | 6.3656% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 5,512 |
| Loan loss allowance to noncurrent loans | 85.0641% | 3,331 |
| Noncurrent assets plus other real estate owned to assets | 1.0773% | 4,725 |
| Noncurrent loans to loans | 1.4186% | 4,295 |
| Net loans and leases to total assets | 75.0240% | 1,240 |
| Net loans and leases to deposits | 83.7398% | 2,147 |
| Net loans and leases to core deposits | 94.0042% | 1,893 |
| Total domestic deposits to total assets | 89.5918% | 1,186 |
| Equity capital to assets | 10.1411% | 3,964 |
| Core capital (leverage) ratio | 10.2020% | 3,033 |
| Tier 1 risk-based capital ratio | 11.9917% | 5,797 |
| Total risk-based capital ratio | 13.0767% | 5,902 |
| Memoranda: | ||
| Average total assets | $204,456,330 | 3,048 |
| Average earning assets | $192,653,670 | 2,961 |
| Average equity | $20,960,330 | 3,002 |
| Average total loans | $153,501,000 | 2,634 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8910% | 3,636 |
| Cost of funding earning assets | 0.9303% | 4,719 |
| Net interest margin | 3.9607% | 2,866 |
| Noninterest income to average assets | 0.1884% | 6,375 |
| Noninterest expense to average assets | 3.0111% | 3,599 |
| Loan and lease loss provision to assets | 0.4463% | 1,976 |
| Net operating income to assets | 0.4721% | 4,611 |
| Return on assets (ROA) | 0.4721% | 4,693 |
| Pretax return on assets | 0.4721% | 5,113 |
| Return on Equity (ROE) | 4.5793% | 4,609 |
| Retained earnings to average equity (ytd only) | 4.5793% | 3,433 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6280% | 3,045 |
| Assets per employee ($millions) | 7.2491% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,549 |
| Loan loss allowance to noncurrent loans | 290.2477% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 6,262 |
| Noncurrent loans to loans | 0.4191% | 6,161 |
| Net loans and leases to total assets | 72.4329% | 1,623 |
| Net loans and leases to deposits | 80.6936% | 2,569 |
| Net loans and leases to core deposits | 90.5061% | 2,296 |
| Total domestic deposits to total assets | 89.7629% | 1,315 |
| Equity capital to assets | 9.9912% | 3,784 |
| Core capital (leverage) ratio | 10.7080% | 2,434 |
| Tier 1 risk-based capital ratio | 12.1201% | 5,579 |
| Total risk-based capital ratio | 13.2010% | 5,726 |
| Memoranda: | ||
| Average total assets | $201,651,500 | 3,092 |
| Average earning assets | $190,470,500 | 3,002 |
| Average equity | $20,789,000 | 3,014 |
| Average total loans | $150,489,000 | 2,709 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 5,178 |
| Cost of funding earning assets | 1.2901% | 3,947 |
| Net interest margin | 3.5738% | 4,945 |
| Noninterest income to average assets | 0.0661% | 7,037 |
| Noninterest expense to average assets | 3.1127% | 3,403 |
| Loan and lease loss provision to assets | 0.3083% | 4,336 |
| Net operating income to assets | 0.0122% | 5,801 |
| Return on assets (ROA) | 0.0122% | 5,934 |
| Pretax return on assets | 0.0122% | 5,875 |
| Return on Equity (ROE) | 0.1220% | 5,933 |
| Retained earnings to average equity (ytd only) | 0.1220% | 5,524 |
| Net charge-offs to loans | 0.0795% | 6,027 |
| Credit loss provision to net charge-offs | 528.5714% | 430 |
| Earnings coverage of net charge-offs (x) | 5.4952% | 2,608 |
| Efficiency ratio | 90.6634% | 1,272 |
| Assets per employee ($millions) | 6.8956% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1237% | 5,855 |
| Loan loss allowance to noncurrent loans | 58.5938% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 1.6698% | 3,797 |
| Noncurrent loans to loans | 1.9179% | 3,665 |
| Net loans and leases to total assets | 75.1929% | 1,436 |
| Net loans and leases to deposits | 84.4444% | 2,380 |
| Net loans and leases to core deposits | 94.7650% | 2,164 |
| Total domestic deposits to total assets | 89.0443% | 1,633 |
| Equity capital to assets | 10.6558% | 3,016 |
| Core capital (leverage) ratio | 11.0121% | 2,155 |
| Tier 1 risk-based capital ratio | 12.5351% | 4,993 |
| Total risk-based capital ratio | 13.5310% | 5,185 |
| Memoranda: | ||
| Average total assets | $180,003,800 | 3,378 |
| Average earning assets | $169,593,600 | 3,289 |
| Average equity | $18,033,600 | 3,419 |
| Average total loans | $132,154,600 | 3,082 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6426% | 6,221 |
| Cost of funding earning assets | 1.3592% | 3,836 |
| Net interest margin | 3.2834% | 6,072 |
| Noninterest income to average assets | 0.0649% | 7,205 |
| Noninterest expense to average assets | 3.0304% | 3,644 |
| Loan and lease loss provision to assets | 0.3206% | 4,024 |
| Net operating income to assets | -0.1954% | 6,315 |
| Return on assets (ROA) | -0.1954% | 6,379 |
| Pretax return on assets | -0.1954% | 6,312 |
| Return on Equity (ROE) | -1.9848% | 6,399 |
| Retained earnings to average equity (ytd only) | -1.9848% | 6,198 |
| Net charge-offs to loans | 0.1090% | 5,443 |
| Credit loss provision to net charge-offs | 404.7619% | 742 |
| Earnings coverage of net charge-offs (x) | 1.5809% | 4,536 |
| Efficiency ratio | 96.0316% | 899 |
| Assets per employee ($millions) | 6.7450% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 6,204 |
| Loan loss allowance to noncurrent loans | 41.1813% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 3.3120% | 2,150 |
| Noncurrent loans to loans | 2.5316% | 3,089 |
| Net loans and leases to total assets | 76.3936% | 1,331 |
| Net loans and leases to deposits | 86.0164% | 2,336 |
| Net loans and leases to core deposits | 95.9327% | 2,267 |
| Total domestic deposits to total assets | 88.8129% | 1,500 |
| Equity capital to assets | 10.8583% | 3,102 |
| Core capital (leverage) ratio | 11.1281% | 2,173 |
| Tier 1 risk-based capital ratio | 12.3801% | 5,093 |
| Total risk-based capital ratio | 13.2985% | 5,386 |
| Memoranda: | ||
| Average total assets | $176,735,250 | 3,469 |
| Average earning assets | $166,369,750 | 3,383 |
| Average equity | $17,398,500 | 3,576 |
| Average total loans | $128,485,500 | 3,192 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 6,696 |
| Cost of funding earning assets | 1.4387% | 3,619 |
| Net interest margin | 3.0682% | 6,682 |
| Noninterest income to average assets | 0.0475% | 7,344 |
| Noninterest expense to average assets | 3.0320% | 3,589 |
| Loan and lease loss provision to assets | 0.2722% | 4,214 |
| Net operating income to assets | -0.3521% | 6,526 |
| Return on assets (ROA) | -0.3521% | 6,567 |
| Pretax return on assets | -0.3521% | 6,473 |
| Return on Equity (ROE) | -3.7159% | 6,593 |
| Retained earnings to average equity (ytd only) | -3.7159% | 6,406 |
| Net charge-offs to loans | 0.1711% | 4,590 |
| Credit loss provision to net charge-offs | 223.8095% | 1,736 |
| Earnings coverage of net charge-offs (x) | -0.6571% | 6,061 |
| Efficiency ratio | 102.7069% | 719 |
| Assets per employee ($millions) | 6.7445% | 866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0271% | 6,287 |
| Loan loss allowance to noncurrent loans | 52.9037% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.1576% | 3,309 |
| Noncurrent loans to loans | 1.9415% | 3,809 |
| Net loans and leases to total assets | 70.3781% | 2,818 |
| Net loans and leases to deposits | 79.2231% | 3,752 |
| Net loans and leases to core deposits | 89.3599% | 3,358 |
| Total domestic deposits to total assets | 88.8354% | 1,530 |
| Equity capital to assets | 10.8296% | 3,049 |
| Core capital (leverage) ratio | 10.8135% | 2,388 |
| Tier 1 risk-based capital ratio | 13.7471% | 3,909 |
| Total risk-based capital ratio | 14.6738% | 4,086 |
| Memoranda: | ||
| Average total assets | $172,693,670 | 3,557 |
| Average earning assets | $163,481,670 | 3,454 |
| Average equity | $16,362,330 | 3,742 |
| Average total loans | $122,715,000 | 3,349 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 6,895 |
| Cost of funding earning assets | 1.4713% | 3,730 |
| Net interest margin | 2.9801% | 6,876 |
| Noninterest income to average assets | 0.0691% | 7,368 |
| Noninterest expense to average assets | 2.7978% | 4,490 |
| Loan and lease loss provision to assets | 0.3095% | 3,562 |
| Net operating income to assets | -0.2072% | 6,552 |
| Return on assets (ROA) | -0.2072% | 6,620 |
| Pretax return on assets | -0.2072% | 6,563 |
| Return on Equity (ROE) | -2.3701% | 6,679 |
| Retained earnings to average equity (ytd only) | -2.3701% | 6,271 |
| Net charge-offs to loans | 0.3520% | 3,000 |
| Credit loss provision to net charge-offs | 123.8095% | 2,831 |
| Earnings coverage of net charge-offs (x) | 0.4095% | 4,668 |
| Efficiency ratio | 96.4696% | 997 |
| Assets per employee ($millions) | 7.3066% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 6,372 |
| Loan loss allowance to noncurrent loans | 48.1525% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.4416% | 2,975 |
| Noncurrent loans to loans | 2.1134% | 3,636 |
| Net loans and leases to total assets | 65.2280% | 4,053 |
| Net loans and leases to deposits | 71.6684% | 5,096 |
| Net loans and leases to core deposits | 83.6808% | 4,249 |
| Total domestic deposits to total assets | 91.0136% | 538 |
| Equity capital to assets | 8.6804% | 5,760 |
| Core capital (leverage) ratio | 9.6299% | 3,599 |
| Tier 1 risk-based capital ratio | 11.6266% | 5,553 |
| Total risk-based capital ratio | 12.5248% | 5,840 |
| Memoranda: | ||
| Average total assets | $167,989,500 | 3,696 |
| Average earning assets | $159,591,000 | 3,574 |
| Average equity | $14,683,000 | 4,085 |
| Average total loans | $119,327,500 | 3,471 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 7,048 |
| Cost of funding earning assets | 1.9946% | 2,987 |
| Net interest margin | 2.7569% | 7,131 |
| Noninterest income to average assets | 0.0304% | 7,588 |
| Noninterest expense to average assets | 3.5958% | 2,157 |
| Loan and lease loss provision to assets | 0.6527% | 3,199 |
| Net operating income to assets | -1.5513% | 6,884 |
| Return on assets (ROA) | -1.4403% | 6,834 |
| Pretax return on assets | -1.4403% | 6,664 |
| Return on Equity (ROE) | -12.0863% | 6,773 |
| Retained earnings to average equity (ytd only) | -12.0863% | 6,688 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.3130% | 445 |
| Assets per employee ($millions) | 6.3881% | 1,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0145% | 6,293 |
| Loan loss allowance to noncurrent loans | 46.3679% | 5,297 |
| Noncurrent assets plus other real estate owned to assets | 1.6880% | 3,833 |
| Noncurrent loans to loans | 2.1880% | 3,402 |
| Net loans and leases to total assets | 76.3670% | 1,720 |
| Net loans and leases to deposits | 84.0466% | 3,260 |
| Net loans and leases to core deposits | 149.3336% | 525 |
| Total domestic deposits to total assets | 90.8626% | 587 |
| Equity capital to assets | 8.8119% | 5,417 |
| Core capital (leverage) ratio | 10.1061% | 2,991 |
| Tier 1 risk-based capital ratio | 10.5626% | 6,329 |
| Total risk-based capital ratio | 11.5008% | 6,606 |
| Memoranda: | ||
| Average total assets | $121,640,400 | 4,519 |
| Average earning assets | $117,667,000 | 4,365 |
| Average equity | $14,495,800 | 4,147 |
| Average total loans | $85,678,200 | 4,340 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6801% | 7,309 |
| Cost of funding earning assets | 2.1642% | 2,582 |
| Net interest margin | 2.5159% | 7,449 |
| Noninterest income to average assets | 0.0328% | 7,720 |
| Noninterest expense to average assets | 3.5032% | 2,276 |
| Loan and lease loss provision to assets | 0.4033% | 3,900 |
| Net operating income to assets | -1.4327% | 7,078 |
| Return on assets (ROA) | -1.4327% | 7,072 |
| Pretax return on assets | -1.4327% | 6,926 |
| Return on Equity (ROE) | -11.0518% | 6,961 |
| Retained earnings to average equity (ytd only) | -11.0518% | 6,888 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.6114% | 365 |
| Assets per employee ($millions) | 4.9730% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7190% | 7,325 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 74.3766% | 2,421 |
| Net loans and leases to deposits | 83.4858% | 3,734 |
| Net loans and leases to core deposits | 151.9707% | 541 |
| Total domestic deposits to total assets | 89.0889% | 1,158 |
| Equity capital to assets | 10.2245% | 3,819 |
| Core capital (leverage) ratio | 10.6779% | 2,646 |
| Tier 1 risk-based capital ratio | 12.4399% | 4,596 |
| Total risk-based capital ratio | 13.1051% | 5,041 |
| Memoranda: | ||
| Average total assets | $113,721,750 | 4,753 |
| Average earning assets | $110,336,000 | 4,580 |
| Average equity | $14,742,250 | 4,143 |
| Average total loans | $77,527,250 | 4,648 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3015% | 7,776 |
| Cost of funding earning assets | 2.2804% | 2,447 |
| Net interest margin | 2.0211% | 7,852 |
| Noninterest income to average assets | 0.0285% | 7,841 |
| Noninterest expense to average assets | 3.4957% | 2,349 |
| Loan and lease loss provision to assets | 0.3973% | 3,537 |
| Net operating income to assets | -1.9085% | 7,405 |
| Return on assets (ROA) | -1.9085% | 7,396 |
| Pretax return on assets | -1.9085% | 7,254 |
| Return on Equity (ROE) | -13.4669% | 7,250 |
| Retained earnings to average equity (ytd only) | -13.4669% | 7,151 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.1494% | 263 |
| Assets per employee ($millions) | 5.2712% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 7,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 68.4257% | 4,081 |
| Net loans and leases to deposits | 77.6129% | 4,929 |
| Net loans and leases to core deposits | 137.8803% | 1,111 |
| Total domestic deposits to total assets | 88.1628% | 1,690 |
| Equity capital to assets | 11.3321% | 2,648 |
| Core capital (leverage) ratio | 12.3350% | 1,678 |
| Tier 1 risk-based capital ratio | 14.8083% | 3,103 |
| Total risk-based capital ratio | 15.4476% | 3,341 |
| Memoranda: | ||
| Average total assets | $105,214,330 | 5,007 |
| Average earning assets | $101,825,000 | 4,849 |
| Average equity | $14,910,670 | 4,127 |
| Average total loans | $68,598,000 | 5,015 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2986% | 7,849 |
| Cost of funding earning assets | 2.4344% | 2,161 |
| Net interest margin | 1.8642% | 7,957 |
| Noninterest income to average assets | 0.0254% | 7,954 |
| Noninterest expense to average assets | 3.4134% | 2,319 |
| Loan and lease loss provision to assets | 0.0973% | 5,714 |
| Net operating income to assets | -1.6877% | 7,571 |
| Return on assets (ROA) | -1.6877% | 7,569 |
| Pretax return on assets | -1.6877% | 7,435 |
| Return on Equity (ROE) | -10.5014% | 7,395 |
| Retained earnings to average equity (ytd only) | -10.5014% | 7,158 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.2390% | 220 |
| Assets per employee ($millions) | 5.9209% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6872% | 7,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 58.1698% | 5,912 |
| Net loans and leases to deposits | 68.1436% | 6,174 |
| Net loans and leases to core deposits | 123.0084% | 2,166 |
| Total domestic deposits to total assets | 85.3635% | 3,032 |
| Equity capital to assets | 14.1186% | 1,331 |
| Core capital (leverage) ratio | 15.5027% | 864 |
| Tier 1 risk-based capital ratio | 20.6551% | 1,497 |
| Total risk-based capital ratio | 21.2491% | 1,577 |
| Memoranda: | ||
| Average total assets | $94,567,500 | 5,352 |
| Average earning assets | $91,191,500 | 5,179 |
| Average equity | $15,198,000 | 4,105 |
| Average total loans | $59,307,500 | 5,387 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9960% | 8,103 |
| Cost of funding earning assets | 1.5129% | 7,589 |
| Net interest margin | 2.4831% | 7,774 |
| Noninterest income to average assets | 0.0182% | 8,037 |
| Noninterest expense to average assets | 5.3418% | 544 |
| Loan and lease loss provision to assets | 0.8231% | 1,805 |
| Net operating income to assets | -3.7443% | 7,947 |
| Return on assets (ROA) | -3.7443% | 7,925 |
| Pretax return on assets | -3.7443% | 7,847 |
| Return on Equity (ROE) | -11.6444% | 7,399 |
| Retained earnings to average equity (ytd only) | -11.6444% | 7,219 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.6868% | 169 |
| Assets per employee ($millions) | 4.8564% | 2,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7225% | 7,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 67.5699% | 4,539 |
| Net loans and leases to deposits | 83.3607% | 4,519 |
| Net loans and leases to core deposits | 150.8314% | 823 |
| Total domestic deposits to total assets | 81.0572% | 4,615 |
| Equity capital to assets | 18.5916% | 591 |
| Core capital (leverage) ratio | 22.9802% | 311 |
| Tier 1 risk-based capital ratio | 24.6092% | 1,023 |
| Total risk-based capital ratio | 25.2615% | 1,062 |
| Memoranda: | ||
| Average total assets | $49,327,750 | 6,809 |
| Average earning assets | $47,723,250 | 6,679 |
| Average equity | $15,861,750 | 3,959 |
| Average total loans | $28,897,000 | 6,775 |