Home > Union County Savings Bank > Performance and Condition Ratios
Union County Savings Bank, Performance and Condition Ratios
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4477% | 4,482 |
| Cost of funding earning assets | 4.1504% | 54 |
| Net interest margin | -0.7027% | 4,592 |
| Noninterest income to average assets | 0.0100% | 4,472 |
| Noninterest expense to average assets | 1.1144% | 4,464 |
| Loan and lease loss provision to assets | -0.0100% | 4,190 |
| Net operating income to assets | -23.6847% | 4,593 |
| Return on assets (ROA) | -23.7207% | 4,593 |
| Pretax return on assets | -1.8110% | 4,541 |
| Return on Equity (ROE) | -4,963.5300% | 4,566 |
| Retained earnings to average equity (ytd only) | -4,963.5281% | 4,549 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 0.0000% | 4,561 |
| Assets per employee ($millions) | 29.5162% | 52 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5849% | 4,252 |
| Loan loss allowance to noncurrent loans | 178.8889% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 3,294 |
| Noncurrent loans to loans | 0.3269% | 2,153 |
| Net loans and leases to total assets | 17.0300% | 4,400 |
| Net loans and leases to deposits | 16.6695% | 4,419 |
| Net loans and leases to core deposits | 23.5194% | 4,426 |
| Total domestic deposits to total assets | 102.1600% | 21 |
| Equity capital to assets | -2.4547% | 4,591 |
| Core capital (leverage) ratio | 10.2226% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6637% | 398 |
| Memoranda: | ||
| Average total assets | $1,475,620,000 | 747 |
| Average earning assets | $1,412,764,000 | 717 |
| Average equity | $7,052,000 | 4,085 |
| Average total loans | $234,062,000 | 2,145 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7748% | 4,548 |
| Cost of funding earning assets | 2.6111% | 295 |
| Net interest margin | 0.1637% | 4,556 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 0.9180% | 4,509 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | -0.5003% | 4,505 |
| Return on assets (ROA) | -0.4938% | 4,491 |
| Pretax return on assets | -0.6970% | 4,501 |
| Return on Equity (ROE) | -3.6200% | 4,450 |
| Retained earnings to average equity (ytd only) | -3.6168% | 4,355 |
| Net charge-offs to loans | 0.1510% | 684 |
| Credit loss provision to net charge-offs | 207.2727% | 1,195 |
| Earnings coverage of net charge-offs (x) | -43.4400% | 4,581 |
| Efficiency ratio | 390.0923% | 7 |
| Assets per employee ($millions) | 34.4853% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5722% | 4,277 |
| Loan loss allowance to noncurrent loans | 327.5325% | 1,916 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,565 |
| Noncurrent loans to loans | 0.1747% | 2,645 |
| Net loans and leases to total assets | 12.9700% | 4,439 |
| Net loans and leases to deposits | 15.1146% | 4,444 |
| Net loans and leases to core deposits | 21.3071% | 4,448 |
| Total domestic deposits to total assets | 85.7900% | 2,074 |
| Equity capital to assets | 13.8744% | 706 |
| Core capital (leverage) ratio | 13.8059% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2478% | 163 |
| Memoranda: | ||
| Average total assets | $1,749,980,800 | 640 |
| Average earning assets | $1,722,802,800 | 602 |
| Average equity | $238,938,400 | 467 |
| Average total loans | $182,111,600 | 2,428 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7468% | 4,565 |
| Cost of funding earning assets | 2.4145% | 329 |
| Net interest margin | 0.3323% | 4,576 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 0.9272% | 4,527 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | -0.3973% | 4,526 |
| Return on assets (ROA) | -0.4442% | 4,515 |
| Pretax return on assets | -0.6230% | 4,525 |
| Return on Equity (ROE) | -3.2700% | 4,477 |
| Retained earnings to average equity (ytd only) | -3.2658% | 4,373 |
| Net charge-offs to loans | 0.2125% | 414 |
| Credit loss provision to net charge-offs | 163.2727% | 1,261 |
| Earnings coverage of net charge-offs (x) | -25.5382% | 4,613 |
| Efficiency ratio | 233.7460% | 19 |
| Assets per employee ($millions) | 34.9172% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5857% | 4,288 |
| Loan loss allowance to noncurrent loans | 148.6310% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.0448% | 3,359 |
| Noncurrent loans to loans | 0.3941% | 1,843 |
| Net loans and leases to total assets | 11.3100% | 4,470 |
| Net loans and leases to deposits | 13.2090% | 4,474 |
| Net loans and leases to core deposits | 18.4124% | 4,448 |
| Total domestic deposits to total assets | 85.6100% | 2,312 |
| Equity capital to assets | 13.9163% | 664 |
| Core capital (leverage) ratio | 13.9343% | 840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.7295% | 155 |
| Memoranda: | ||
| Average total assets | $1,765,031,500 | 635 |
| Average earning assets | $1,737,984,250 | 595 |
| Average equity | $240,061,250 | 465 |
| Average total loans | $172,545,500 | 2,510 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6760% | 4,600 |
| Cost of funding earning assets | 2.2173% | 327 |
| Net interest margin | 0.4586% | 4,611 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 0.9462% | 4,559 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | -0.2944% | 4,547 |
| Return on assets (ROA) | -0.3649% | 4,544 |
| Pretax return on assets | -0.5134% | 4,555 |
| Return on Equity (ROE) | -2.7000% | 4,507 |
| Retained earnings to average equity (ytd only) | -2.7028% | 4,330 |
| Net charge-offs to loans | 0.0908% | 721 |
| Credit loss provision to net charge-offs | 268.0000% | 921 |
| Earnings coverage of net charge-offs (x) | -46.8267% | 4,650 |
| Efficiency ratio | 171.3241% | 30 |
| Assets per employee ($millions) | 34.9357% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6134% | 4,289 |
| Loan loss allowance to noncurrent loans | 63.1944% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 2,842 |
| Noncurrent loans to loans | 0.9707% | 776 |
| Net loans and leases to total assets | 10.1300% | 4,504 |
| Net loans and leases to deposits | 11.8018% | 4,507 |
| Net loans and leases to core deposits | 16.2486% | 4,483 |
| Total domestic deposits to total assets | 85.8200% | 2,291 |
| Equity capital to assets | 13.6910% | 681 |
| Core capital (leverage) ratio | 13.8771% | 800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1474% | 138 |
| Memoranda: | ||
| Average total assets | $1,783,061,667 | 620 |
| Average earning assets | $1,756,978,333 | 578 |
| Average equity | $240,715,000 | 452 |
| Average total loans | $165,186,333 | 2,557 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5910% | 4,633 |
| Cost of funding earning assets | 2.0154% | 290 |
| Net interest margin | 0.5756% | 4,665 |
| Noninterest income to average assets | 0.0100% | 4,616 |
| Noninterest expense to average assets | 1.0957% | 4,604 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | -0.3803% | 4,576 |
| Return on assets (ROA) | -0.5310% | 4,578 |
| Pretax return on assets | -0.7424% | 4,587 |
| Return on Equity (ROE) | -3.9600% | 4,541 |
| Retained earnings to average equity (ytd only) | -3.9603% | 4,288 |
| Net charge-offs to loans | 0.1890% | 381 |
| Credit loss provision to net charge-offs | 185.3333% | 859 |
| Earnings coverage of net charge-offs (x) | -31.2667% | 4,673 |
| Efficiency ratio | 190.5755% | 26 |
| Assets per employee ($millions) | 36.3579% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4698% | 4,457 |
| Loan loss allowance to noncurrent loans | 46.0271% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 2,863 |
| Noncurrent loans to loans | 1.0207% | 712 |
| Net loans and leases to total assets | 9.3000% | 4,576 |
| Net loans and leases to deposits | 10.8035% | 4,579 |
| Net loans and leases to core deposits | 14.6265% | 4,558 |
| Total domestic deposits to total assets | 86.0800% | 2,565 |
| Equity capital to assets | 13.4376% | 677 |
| Core capital (leverage) ratio | 13.6316% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.2687% | 150 |
| Memoranda: | ||
| Average total assets | $1,801,201,000 | 630 |
| Average earning assets | $1,775,510,500 | 586 |
| Average equity | $241,496,500 | 465 |
| Average total loans | $158,770,500 | 2,636 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9012% | 4,623 |
| Cost of funding earning assets | 0.7866% | 409 |
| Net interest margin | 1.1146% | 4,669 |
| Noninterest income to average assets | 0.0100% | 4,654 |
| Noninterest expense to average assets | 0.7816% | 4,670 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 0.3516% | 4,309 |
| Return on assets (ROA) | -0.8722% | 4,651 |
| Pretax return on assets | -1.2531% | 4,657 |
| Return on Equity (ROE) | -6.5200% | 4,641 |
| Retained earnings to average equity (ytd only) | -6.5214% | 4,600 |
| Net charge-offs to loans | 1.2178% | 57 |
| Credit loss provision to net charge-offs | 48.2549% | 1,826 |
| Earnings coverage of net charge-offs (x) | 4.6343% | 2,407 |
| Efficiency ratio | 70.2918% | 1,643 |
| Assets per employee ($millions) | 37.1606% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4752% | 4,456 |
| Loan loss allowance to noncurrent loans | 39.6466% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 2,844 |
| Noncurrent loans to loans | 1.1987% | 587 |
| Net loans and leases to total assets | 8.2600% | 4,612 |
| Net loans and leases to deposits | 9.5624% | 4,615 |
| Net loans and leases to core deposits | 12.5799% | 4,591 |
| Total domestic deposits to total assets | 86.3600% | 2,615 |
| Equity capital to assets | 13.3781% | 647 |
| Core capital (leverage) ratio | 13.9079% | 735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.7813% | 137 |
| Memoranda: | ||
| Average total assets | $1,849,113,200 | 595 |
| Average earning assets | $1,828,436,200 | 551 |
| Average equity | $247,307,400 | 446 |
| Average total loans | $108,226,200 | 3,045 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7693% | 4,641 |
| Cost of funding earning assets | 0.6142% | 403 |
| Net interest margin | 1.1550% | 4,684 |
| Noninterest income to average assets | 0.0100% | 4,687 |
| Noninterest expense to average assets | 0.7904% | 4,703 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.4727% | 4,130 |
| Return on assets (ROA) | -1.1823% | 4,706 |
| Pretax return on assets | -1.7658% | 4,713 |
| Return on Equity (ROE) | -8.8400% | 4,693 |
| Retained earnings to average equity (ytd only) | -8.8403% | 4,662 |
| Net charge-offs to loans | 1.7926% | 29 |
| Credit loss provision to net charge-offs | 36.4607% | 1,580 |
| Earnings coverage of net charge-offs (x) | 3.8596% | 2,196 |
| Efficiency ratio | 68.4990% | 1,956 |
| Assets per employee ($millions) | 37.3651% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5104% | 4,465 |
| Loan loss allowance to noncurrent loans | 38.5714% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 3,093 |
| Noncurrent loans to loans | 1.3233% | 553 |
| Net loans and leases to total assets | 6.1600% | 4,660 |
| Net loans and leases to deposits | 7.1455% | 4,664 |
| Net loans and leases to core deposits | 8.8568% | 4,645 |
| Total domestic deposits to total assets | 86.2400% | 3,008 |
| Equity capital to assets | 13.5425% | 609 |
| Core capital (leverage) ratio | 13.7708% | 723 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.8444% | 119 |
| Memoranda: | ||
| Average total assets | $1,856,174,750 | 595 |
| Average earning assets | $1,836,654,750 | 547 |
| Average equity | $248,235,000 | 449 |
| Average total loans | $97,511,500 | 3,198 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6326% | 4,689 |
| Cost of funding earning assets | 0.5526% | 385 |
| Net interest margin | 1.0799% | 4,724 |
| Noninterest income to average assets | 0.0112% | 4,717 |
| Noninterest expense to average assets | 0.8216% | 4,720 |
| Loan and lease loss provision to assets | 0.0509% | 1,669 |
| Net operating income to assets | 0.5013% | 3,890 |
| Return on assets (ROA) | -1.9356% | 4,730 |
| Pretax return on assets | -2.8769% | 4,741 |
| Return on Equity (ROE) | -14.5318% | 4,738 |
| Retained earnings to average equity (ytd only) | -14.5318% | 4,701 |
| Net charge-offs to loans | 2.8198% | 18 |
| Credit loss provision to net charge-offs | 36.4607% | 1,544 |
| Earnings coverage of net charge-offs (x) | 1.8513% | 2,049 |
| Efficiency ratio | 76.0604% | 1,278 |
| Assets per employee ($millions) | 38.8996% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5845% | 4,476 |
| Loan loss allowance to noncurrent loans | 24.8249% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.1249% | 2,831 |
| Noncurrent loans to loans | 2.3545% | 256 |
| Net loans and leases to total assets | 5.2749% | 4,725 |
| Net loans and leases to deposits | 6.1051% | 4,729 |
| Net loans and leases to core deposits | 7.5218% | 4,716 |
| Total domestic deposits to total assets | 86.4022% | 3,142 |
| Equity capital to assets | 13.2958% | 614 |
| Core capital (leverage) ratio | 13.1591% | 778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.5947% | 80 |
| Memoranda: | ||
| Average total assets | $1,877,058,667 | 587 |
| Average earning assets | $1,858,068,333 | 543 |
| Average equity | $250,017,667 | 441 |
| Average total loans | $92,986,000 | 3,286 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6351% | 4,695 |
| Cost of funding earning assets | 0.5411% | 391 |
| Net interest margin | 1.0941% | 4,740 |
| Noninterest income to average assets | 0.0196% | 4,721 |
| Noninterest expense to average assets | 1.0341% | 4,710 |
| Loan and lease loss provision to assets | 0.0930% | 888 |
| Net operating income to assets | 0.2446% | 4,250 |
| Return on assets (ROA) | -1.3862% | 4,749 |
| Pretax return on assets | -2.0881% | 4,761 |
| Return on Equity (ROE) | -10.3931% | 4,747 |
| Retained earnings to average equity (ytd only) | -10.3931% | 4,570 |
| Net charge-offs to loans | 5.7642% | 8 |
| Credit loss provision to net charge-offs | 33.7147% | 1,249 |
| Earnings coverage of net charge-offs (x) | 0.2510% | 1,776 |
| Efficiency ratio | 93.7274% | 391 |
| Assets per employee ($millions) | 39.4001% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 4,521 |
| Loan loss allowance to noncurrent loans | 20.3917% | 4,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1377% | 2,826 |
| Noncurrent loans to loans | 2.8343% | 195 |
| Net loans and leases to total assets | 4.8299% | 4,755 |
| Net loans and leases to deposits | 5.5625% | 4,757 |
| Net loans and leases to core deposits | 6.8758% | 4,747 |
| Total domestic deposits to total assets | 86.8289% | 2,984 |
| Equity capital to assets | 13.0039% | 688 |
| Core capital (leverage) ratio | 13.4980% | 674 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.4459% | 73 |
| Memoranda: | ||
| Average total assets | $1,901,593,500 | 579 |
| Average earning assets | $1,883,635,500 | 541 |
| Average equity | $253,630,000 | 449 |
| Average total loans | $90,975,500 | 3,317 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5989% | 4,740 |
| Cost of funding earning assets | 0.6676% | 376 |
| Net interest margin | 0.9313% | 4,784 |
| Noninterest income to average assets | 0.0053% | 4,799 |
| Noninterest expense to average assets | 0.4522% | 4,812 |
| Loan and lease loss provision to assets | 0.0368% | 2,306 |
| Net operating income to assets | 0.2840% | 4,443 |
| Return on assets (ROA) | 0.3919% | 4,317 |
| Pretax return on assets | 0.5756% | 4,142 |
| Return on Equity (ROE) | 2.9020% | 4,374 |
| Retained earnings to average equity (ytd only) | 2.9020% | 3,676 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.7245% | 4,368 |
| Assets per employee ($millions) | 45.5234% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5542% | 1,377 |
| Loan loss allowance to noncurrent loans | 42.7873% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 2,737 |
| Noncurrent loans to loans | 3.6324% | 137 |
| Net loans and leases to total assets | 4.6380% | 4,801 |
| Net loans and leases to deposits | 5.3992% | 4,801 |
| Net loans and leases to core deposits | 6.6679% | 4,787 |
| Total domestic deposits to total assets | 85.9017% | 2,946 |
| Equity capital to assets | 13.4990% | 764 |
| Core capital (leverage) ratio | 13.8444% | 639 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 50.0443% | 74 |
| Memoranda: | ||
| Average total assets | $1,888,195,000 | 566 |
| Average earning assets | $1,870,747,400 | 527 |
| Average equity | $254,958,200 | 436 |
| Average total loans | $92,264,400 | 3,303 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5926% | 4,822 |
| Cost of funding earning assets | 0.7035% | 376 |
| Net interest margin | 0.8891% | 4,872 |
| Noninterest income to average assets | 0.0059% | 4,872 |
| Noninterest expense to average assets | 0.4483% | 4,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.2906% | 4,532 |
| Return on assets (ROA) | 0.4327% | 4,356 |
| Pretax return on assets | 0.6180% | 4,210 |
| Return on Equity (ROE) | 3.2040% | 4,433 |
| Retained earnings to average equity (ytd only) | 3.2040% | 3,825 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5673% | 4,170 |
| Assets per employee ($millions) | 50.0996% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 4,379 |
| Loan loss allowance to noncurrent loans | 22.9146% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 3,038 |
| Noncurrent loans to loans | 3.4075% | 168 |
| Net loans and leases to total assets | 4.7124% | 4,872 |
| Net loans and leases to deposits | 5.4954% | 4,874 |
| Net loans and leases to core deposits | 6.7818% | 4,862 |
| Total domestic deposits to total assets | 85.7506% | 2,844 |
| Equity capital to assets | 13.5135% | 848 |
| Core capital (leverage) ratio | 13.6409% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.3506% | 88 |
| Memoranda: | ||
| Average total assets | $1,882,248,000 | 571 |
| Average earning assets | $1,864,535,500 | 531 |
| Average equity | $254,173,000 | 440 |
| Average total loans | $92,811,250 | 3,338 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5822% | 4,861 |
| Cost of funding earning assets | 0.7467% | 367 |
| Net interest margin | 0.8355% | 4,915 |
| Noninterest income to average assets | 0.0080% | 4,902 |
| Noninterest expense to average assets | 0.4584% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2426% | 4,588 |
| Return on assets (ROA) | 0.4308% | 4,373 |
| Pretax return on assets | 0.6154% | 4,206 |
| Return on Equity (ROE) | 3.1911% | 4,444 |
| Retained earnings to average equity (ytd only) | 3.1911% | 3,779 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8634% | 3,692 |
| Assets per employee ($millions) | 50.0078% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 4,409 |
| Loan loss allowance to noncurrent loans | 18.9378% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.1962% | 2,972 |
| Noncurrent loans to loans | 4.0811% | 133 |
| Net loans and leases to total assets | 4.7699% | 4,908 |
| Net loans and leases to deposits | 5.5604% | 4,911 |
| Net loans and leases to core deposits | 6.8477% | 4,900 |
| Total domestic deposits to total assets | 85.7836% | 2,810 |
| Equity capital to assets | 13.4294% | 835 |
| Core capital (leverage) ratio | 13.6336% | 686 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.6591% | 85 |
| Memoranda: | ||
| Average total assets | $1,875,069,667 | 564 |
| Average earning assets | $1,857,396,000 | 527 |
| Average equity | $253,141,667 | 439 |
| Average total loans | $93,608,667 | 3,342 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5708% | 4,895 |
| Cost of funding earning assets | 0.8069% | 338 |
| Net interest margin | 0.7639% | 4,946 |
| Noninterest income to average assets | 0.0146% | 4,913 |
| Noninterest expense to average assets | 0.4830% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1752% | 4,655 |
| Return on assets (ROA) | 0.4100% | 4,373 |
| Pretax return on assets | 0.5855% | 4,211 |
| Return on Equity (ROE) | 3.0288% | 4,469 |
| Retained earnings to average equity (ytd only) | 3.0288% | 3,775 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6288% | 2,652 |
| Assets per employee ($millions) | 50.6138% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7543% | 4,479 |
| Loan loss allowance to noncurrent loans | 15.8937% | 4,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,955 |
| Noncurrent loans to loans | 4.7460% | 91 |
| Net loans and leases to total assets | 4.9601% | 4,934 |
| Net loans and leases to deposits | 5.7861% | 4,938 |
| Net loans and leases to core deposits | 7.1281% | 4,927 |
| Total domestic deposits to total assets | 85.7246% | 2,849 |
| Equity capital to assets | 13.5135% | 783 |
| Core capital (leverage) ratio | 13.6414% | 714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.4185% | 70 |
| Memoranda: | ||
| Average total assets | $1,862,456,500 | 563 |
| Average earning assets | $1,844,686,000 | 527 |
| Average equity | $252,113,500 | 438 |
| Average total loans | $94,738,500 | 3,340 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8142% | 4,928 |
| Cost of funding earning assets | 1.4173% | 119 |
| Net interest margin | 0.3969% | 4,982 |
| Noninterest income to average assets | 0.0049% | 4,950 |
| Noninterest expense to average assets | 0.3892% | 4,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.0108% | 4,739 |
| Return on assets (ROA) | 0.1630% | 4,666 |
| Pretax return on assets | 0.2286% | 4,632 |
| Return on Equity (ROE) | 1.1800% | 4,659 |
| Retained earnings to average equity (ytd only) | 1.1800% | 4,158 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8342% | 204 |
| Assets per employee ($millions) | 50.0595% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 4,531 |
| Loan loss allowance to noncurrent loans | 14.6019% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 2,997 |
| Noncurrent loans to loans | 5.0427% | 88 |
| Net loans and leases to total assets | 5.1385% | 4,960 |
| Net loans and leases to deposits | 5.9996% | 4,964 |
| Net loans and leases to core deposits | 7.3600% | 4,954 |
| Total domestic deposits to total assets | 85.6479% | 2,514 |
| Equity capital to assets | 13.5600% | 916 |
| Core capital (leverage) ratio | 13.6605% | 747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.6946% | 70 |
| Memoranda: | ||
| Average total assets | $1,810,827,400 | 527 |
| Average earning assets | $1,792,386,200 | 489 |
| Average equity | $250,179,000 | 419 |
| Average total loans | $103,762,400 | 3,184 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8784% | 4,974 |
| Cost of funding earning assets | 1.5471% | 101 |
| Net interest margin | 0.3313% | 5,026 |
| Noninterest income to average assets | 0.0060% | 4,976 |
| Noninterest expense to average assets | 0.3785% | 5,023 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.0440% | 4,789 |
| Return on assets (ROA) | 0.3012% | 4,492 |
| Pretax return on assets | 0.3113% | 4,532 |
| Return on Equity (ROE) | 2.1701% | 4,530 |
| Retained earnings to average equity (ytd only) | 2.1701% | 3,868 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.3762% | 101 |
| Assets per employee ($millions) | 47.8853% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6883% | 4,596 |
| Loan loss allowance to noncurrent loans | 15.4283% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2515% | 3,174 |
| Noncurrent loans to loans | 4.4610% | 136 |
| Net loans and leases to total assets | 5.5984% | 4,990 |
| Net loans and leases to deposits | 6.5531% | 4,996 |
| Net loans and leases to core deposits | 7.9992% | 4,986 |
| Total domestic deposits to total assets | 85.4308% | 2,276 |
| Equity capital to assets | 13.7460% | 925 |
| Core capital (leverage) ratio | 13.7757% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.5299% | 79 |
| Memoranda: | ||
| Average total assets | $1,800,484,000 | 521 |
| Average earning assets | $1,781,801,750 | 482 |
| Average equity | $249,934,000 | 409 |
| Average total loans | $105,732,500 | 3,159 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9979% | 5,018 |
| Cost of funding earning assets | 1.6725% | 86 |
| Net interest margin | 0.3253% | 5,058 |
| Noninterest income to average assets | 0.0082% | 4,998 |
| Noninterest expense to average assets | 0.3729% | 5,057 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0390% | 4,805 |
| Return on assets (ROA) | 0.0402% | 4,765 |
| Pretax return on assets | 0.0576% | 4,753 |
| Return on Equity (ROE) | 0.2893% | 4,767 |
| Retained earnings to average equity (ytd only) | 0.2893% | 4,248 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9305% | 106 |
| Assets per employee ($millions) | 47.2019% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6711% | 4,629 |
| Loan loss allowance to noncurrent loans | 13.7783% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 3,183 |
| Noncurrent loans to loans | 4.8708% | 117 |
| Net loans and leases to total assets | 5.8256% | 5,025 |
| Net loans and leases to deposits | 6.8379% | 5,030 |
| Net loans and leases to core deposits | 8.3581% | 5,018 |
| Total domestic deposits to total assets | 85.1959% | 2,312 |
| Equity capital to assets | 13.8767% | 882 |
| Core capital (leverage) ratio | 13.7042% | 822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 53.0906% | 73 |
| Memoranda: | ||
| Average total assets | $1,794,098,000 | 513 |
| Average earning assets | $1,775,377,667 | 476 |
| Average equity | $249,556,000 | 410 |
| Average total loans | $106,784,333 | 3,142 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2942% | 5,068 |
| Cost of funding earning assets | 1.7763% | 96 |
| Net interest margin | 0.5179% | 5,110 |
| Noninterest income to average assets | 0.0158% | 5,030 |
| Noninterest expense to average assets | 0.3607% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1058% | 4,651 |
| Return on assets (ROA) | 0.2038% | 4,531 |
| Pretax return on assets | 0.2914% | 4,467 |
| Return on Equity (ROE) | 1.4631% | 4,555 |
| Retained earnings to average equity (ytd only) | 1.4631% | 3,611 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2989% | 2,616 |
| Assets per employee ($millions) | 47.3412% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6553% | 4,682 |
| Loan loss allowance to noncurrent loans | 25.5612% | 4,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 3,886 |
| Noncurrent loans to loans | 2.5638% | 454 |
| Net loans and leases to total assets | 5.9493% | 5,071 |
| Net loans and leases to deposits | 6.9834% | 5,076 |
| Net loans and leases to core deposits | 8.5998% | 5,062 |
| Total domestic deposits to total assets | 85.1926% | 2,338 |
| Equity capital to assets | 13.8492% | 1,110 |
| Core capital (leverage) ratio | 13.7139% | 985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,794,310,000 | 495 |
| Average earning assets | $1,774,706,000 | 461 |
| Average equity | $249,882,500 | 411 |
| Average total loans | $107,577,000 | 3,113 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5726% | 5,119 |
| Cost of funding earning assets | 1.8871% | 100 |
| Net interest margin | 0.6855% | 5,166 |
| Noninterest income to average assets | 0.0059% | 5,119 |
| Noninterest expense to average assets | 0.4027% | 5,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.1945% | 4,841 |
| Return on assets (ROA) | 0.2098% | 4,857 |
| Pretax return on assets | 0.2996% | 4,817 |
| Return on Equity (ROE) | 1.4943% | 4,864 |
| Retained earnings to average equity (ytd only) | 1.4943% | 4,209 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9574% | 3,840 |
| Assets per employee ($millions) | 45.8885% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6572% | 4,636 |
| Loan loss allowance to noncurrent loans | 27.9383% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 3,933 |
| Noncurrent loans to loans | 2.3524% | 496 |
| Net loans and leases to total assets | 5.9629% | 5,133 |
| Net loans and leases to deposits | 7.0165% | 5,141 |
| Net loans and leases to core deposits | 8.6034% | 5,131 |
| Total domestic deposits to total assets | 84.9849% | 2,501 |
| Equity capital to assets | 14.0039% | 1,098 |
| Core capital (leverage) ratio | 13.9350% | 944 |
| Tier 1 risk-based capital ratio | 51.9180% | 124 |
| Total risk-based capital ratio | 52.6561% | 125 |
| Memoranda: | ||
| Average total assets | $1,769,220,200 | 479 |
| Average earning assets | $1,747,576,400 | 442 |
| Average equity | $248,348,200 | 393 |
| Average total loans | $109,258,000 | 3,102 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6145% | 5,204 |
| Cost of funding earning assets | 1.8786% | 107 |
| Net interest margin | 0.7359% | 5,245 |
| Noninterest income to average assets | 0.0073% | 5,192 |
| Noninterest expense to average assets | 0.4104% | 5,243 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2259% | 4,930 |
| Return on assets (ROA) | 0.2323% | 4,933 |
| Pretax return on assets | 0.3319% | 4,874 |
| Return on Equity (ROE) | 1.6541% | 4,945 |
| Retained earnings to average equity (ytd only) | 1.6541% | 4,382 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9045% | 4,173 |
| Assets per employee ($millions) | 45.3777% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6503% | 4,733 |
| Loan loss allowance to noncurrent loans | 15.7695% | 4,643 |
| Noncurrent assets plus other real estate owned to assets | 0.2530% | 3,556 |
| Noncurrent loans to loans | 4.1238% | 160 |
| Net loans and leases to total assets | 6.0946% | 5,213 |
| Net loans and leases to deposits | 7.1805% | 5,217 |
| Net loans and leases to core deposits | 8.7946% | 5,208 |
| Total domestic deposits to total assets | 84.8772% | 2,466 |
| Equity capital to assets | 14.1032% | 1,113 |
| Core capital (leverage) ratio | 14.0994% | 959 |
| Tier 1 risk-based capital ratio | 51.0423% | 129 |
| Total risk-based capital ratio | 51.7191% | 133 |
| Memoranda: | ||
| Average total assets | $1,764,112,000 | 480 |
| Average earning assets | $1,742,364,000 | 443 |
| Average equity | $247,779,750 | 396 |
| Average total loans | $109,717,000 | 3,130 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6277% | 5,261 |
| Cost of funding earning assets | 1.8340% | 110 |
| Net interest margin | 0.7937% | 5,292 |
| Noninterest income to average assets | 0.0096% | 5,235 |
| Noninterest expense to average assets | 0.4273% | 5,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2562% | 4,930 |
| Return on assets (ROA) | 0.2567% | 4,944 |
| Pretax return on assets | 0.3667% | 4,866 |
| Return on Equity (ROE) | 1.8303% | 4,963 |
| Retained earnings to average equity (ytd only) | 1.8303% | 4,169 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8627% | 4,488 |
| Assets per employee ($millions) | 45.1708% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6421% | 4,808 |
| Loan loss allowance to noncurrent loans | 15.1113% | 4,695 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 3,504 |
| Noncurrent loans to loans | 4.2489% | 158 |
| Net loans and leases to total assets | 6.2017% | 5,263 |
| Net loans and leases to deposits | 7.3168% | 5,267 |
| Net loans and leases to core deposits | 8.9335% | 5,255 |
| Total domestic deposits to total assets | 84.7601% | 2,577 |
| Equity capital to assets | 14.1131% | 1,084 |
| Core capital (leverage) ratio | 14.1583% | 919 |
| Tier 1 risk-based capital ratio | 49.6387% | 142 |
| Total risk-based capital ratio | 50.2799% | 144 |
| Memoranda: | ||
| Average total assets | $1,762,239,670 | 481 |
| Average earning assets | $1,740,027,000 | 446 |
| Average equity | $247,176,670 | 398 |
| Average total loans | $110,101,330 | 3,136 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6166% | 5,328 |
| Cost of funding earning assets | 1.7700% | 115 |
| Net interest margin | 0.8465% | 5,354 |
| Noninterest income to average assets | 0.0168% | 5,284 |
| Noninterest expense to average assets | 0.4230% | 5,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3009% | 4,897 |
| Return on assets (ROA) | 0.3009% | 4,900 |
| Pretax return on assets | 0.4296% | 4,802 |
| Return on Equity (ROE) | 2.1521% | 4,944 |
| Retained earnings to average equity (ytd only) | 2.1521% | 4,026 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6141% | 4,860 |
| Assets per employee ($millions) | 44.1463% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 4,865 |
| Loan loss allowance to noncurrent loans | 12.9565% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3086% | 3,376 |
| Noncurrent loans to loans | 4.9416% | 116 |
| Net loans and leases to total assets | 6.2045% | 5,323 |
| Net loans and leases to deposits | 7.2964% | 5,325 |
| Net loans and leases to core deposits | 8.8490% | 5,313 |
| Total domestic deposits to total assets | 85.0348% | 2,669 |
| Equity capital to assets | 14.0092% | 1,036 |
| Core capital (leverage) ratio | 14.1246% | 918 |
| Tier 1 risk-based capital ratio | 50.1893% | 127 |
| Total risk-based capital ratio | 50.8012% | 131 |
| Memoranda: | ||
| Average total assets | $1,762,529,500 | 482 |
| Average earning assets | $1,740,293,500 | 447 |
| Average equity | $246,452,500 | 401 |
| Average total loans | $110,172,500 | 3,165 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5338% | 5,340 |
| Cost of funding earning assets | 1.3745% | 157 |
| Net interest margin | 1.1593% | 5,389 |
| Noninterest income to average assets | 0.0063% | 5,342 |
| Noninterest expense to average assets | 0.4333% | 5,395 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.5102% | 4,640 |
| Return on assets (ROA) | 0.5118% | 4,635 |
| Pretax return on assets | 0.7177% | 4,369 |
| Return on Equity (ROE) | 3.7088% | 4,776 |
| Retained earnings to average equity (ytd only) | 3.7088% | 3,536 |
| Net charge-offs to loans | 0.0830% | 1,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 137.3043% | 593 |
| Efficiency ratio | 37.7120% | 5,309 |
| Assets per employee ($millions) | 46.2949% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6414% | 4,903 |
| Loan loss allowance to noncurrent loans | 10.2452% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 2,988 |
| Noncurrent loans to loans | 6.2602% | 64 |
| Net loans and leases to total assets | 6.2171% | 5,364 |
| Net loans and leases to deposits | 7.2978% | 5,370 |
| Net loans and leases to core deposits | 8.8089% | 5,359 |
| Total domestic deposits to total assets | 85.1909% | 2,562 |
| Equity capital to assets | 13.9565% | 986 |
| Core capital (leverage) ratio | 14.0920% | 901 |
| Tier 1 risk-based capital ratio | 50.4523% | 129 |
| Total risk-based capital ratio | 51.0021% | 133 |
| Memoranda: | ||
| Average total assets | $1,765,213,600 | 465 |
| Average earning assets | $1,739,701,600 | 433 |
| Average equity | $243,606,600 | 392 |
| Average total loans | $110,780,800 | 3,115 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5092% | 5,409 |
| Cost of funding earning assets | 1.2849% | 172 |
| Net interest margin | 1.2243% | 5,464 |
| Noninterest income to average assets | 0.0075% | 5,415 |
| Noninterest expense to average assets | 0.4384% | 5,461 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.5549% | 4,632 |
| Return on assets (ROA) | 0.5570% | 4,634 |
| Pretax return on assets | 0.7777% | 4,350 |
| Return on Equity (ROE) | 4.0472% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.0472% | 3,746 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1256% | 5,387 |
| Assets per employee ($millions) | 43.8235% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7200% | 4,835 |
| Loan loss allowance to noncurrent loans | 10.9540% | 4,920 |
| Noncurrent assets plus other real estate owned to assets | 0.4156% | 3,030 |
| Noncurrent loans to loans | 6.5730% | 65 |
| Net loans and leases to total assets | 6.2771% | 5,439 |
| Net loans and leases to deposits | 7.3742% | 5,443 |
| Net loans and leases to core deposits | 8.8199% | 5,431 |
| Total domestic deposits to total assets | 85.1228% | 2,561 |
| Equity capital to assets | 14.0672% | 938 |
| Core capital (leverage) ratio | 14.1301% | 902 |
| Tier 1 risk-based capital ratio | 49.9525% | 131 |
| Total risk-based capital ratio | 50.6409% | 136 |
| Memoranda: | ||
| Average total assets | $1,766,715,000 | 461 |
| Average earning assets | $1,740,318,500 | 429 |
| Average equity | $243,127,500 | 392 |
| Average total loans | $110,956,750 | 3,143 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4980% | 5,473 |
| Cost of funding earning assets | 1.2125% | 176 |
| Net interest margin | 1.2854% | 5,525 |
| Noninterest income to average assets | 0.0098% | 5,470 |
| Noninterest expense to average assets | 0.4581% | 5,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.5888% | 4,528 |
| Return on assets (ROA) | 0.5888% | 4,527 |
| Pretax return on assets | 0.8178% | 4,199 |
| Return on Equity (ROE) | 4.3104% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.3104% | 3,446 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9027% | 5,452 |
| Assets per employee ($millions) | 43.7945% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7227% | 4,883 |
| Loan loss allowance to noncurrent loans | 10.3502% | 4,945 |
| Noncurrent assets plus other real estate owned to assets | 0.4401% | 2,966 |
| Noncurrent loans to loans | 6.9821% | 56 |
| Net loans and leases to total assets | 6.2580% | 5,502 |
| Net loans and leases to deposits | 7.3393% | 5,506 |
| Net loans and leases to core deposits | 8.7792% | 5,497 |
| Total domestic deposits to total assets | 85.2670% | 2,574 |
| Equity capital to assets | 13.9495% | 943 |
| Core capital (leverage) ratio | 13.9344% | 922 |
| Tier 1 risk-based capital ratio | 49.4046% | 138 |
| Total risk-based capital ratio | 50.0840% | 140 |
| Memoranda: | ||
| Average total assets | $1,771,306,670 | 461 |
| Average earning assets | $1,744,628,670 | 426 |
| Average equity | $241,973,670 | 391 |
| Average total loans | $110,998,330 | 3,161 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4715% | 5,540 |
| Cost of funding earning assets | 1.1540% | 174 |
| Net interest margin | 1.3174% | 5,590 |
| Noninterest income to average assets | 0.0159% | 5,538 |
| Noninterest expense to average assets | 0.4644% | 5,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6118% | 4,391 |
| Return on assets (ROA) | 0.6118% | 4,397 |
| Pretax return on assets | 0.8496% | 4,011 |
| Return on Equity (ROE) | 4.5253% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.5253% | 3,392 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.3444% | 5,517 |
| Assets per employee ($millions) | 44.3548% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7173% | 4,995 |
| Loan loss allowance to noncurrent loans | 8.2952% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 0.5422% | 2,717 |
| Noncurrent loans to loans | 8.6472% | 40 |
| Net loans and leases to total assets | 6.2255% | 5,563 |
| Net loans and leases to deposits | 7.2723% | 5,571 |
| Net loans and leases to core deposits | 8.6369% | 5,556 |
| Total domestic deposits to total assets | 85.6051% | 2,712 |
| Equity capital to assets | 13.6452% | 999 |
| Core capital (leverage) ratio | 13.6128% | 974 |
| Tier 1 risk-based capital ratio | 48.6863% | 143 |
| Total risk-based capital ratio | 49.3901% | 145 |
| Memoranda: | ||
| Average total assets | $1,781,070,000 | 463 |
| Average earning assets | $1,754,910,500 | 428 |
| Average equity | $240,778,500 | 397 |
| Average total loans | $111,285,000 | 3,174 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4105% | 5,575 |
| Cost of funding earning assets | 1.0662% | 152 |
| Net interest margin | 1.3442% | 5,626 |
| Noninterest income to average assets | 0.0101% | 5,598 |
| Noninterest expense to average assets | 0.4637% | 5,652 |
| Loan and lease loss provision to assets | 0.0025% | 4,196 |
| Net operating income to assets | 0.5821% | 4,093 |
| Return on assets (ROA) | 0.5840% | 4,125 |
| Pretax return on assets | 0.8728% | 4,003 |
| Return on Equity (ROE) | 4.4681% | 4,358 |
| Retained earnings to average equity (ytd only) | 4.4681% | 2,469 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.7001% | 5,599 |
| Assets per employee ($millions) | 42.5706% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 5,036 |
| Loan loss allowance to noncurrent loans | 7.4040% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 0.6028% | 2,539 |
| Noncurrent loans to loans | 9.6820% | 27 |
| Net loans and leases to total assets | 6.1814% | 5,631 |
| Net loans and leases to deposits | 7.1968% | 5,635 |
| Net loans and leases to core deposits | 8.5824% | 5,625 |
| Total domestic deposits to total assets | 85.8917% | 2,490 |
| Equity capital to assets | 13.3662% | 1,110 |
| Core capital (leverage) ratio | 13.3995% | 1,008 |
| Tier 1 risk-based capital ratio | 47.3943% | 135 |
| Total risk-based capital ratio | 48.1034% | 139 |
| Memoranda: | ||
| Average total assets | $1,783,077,600 | 446 |
| Average earning assets | $1,759,164,800 | 420 |
| Average equity | $233,049,600 | 392 |
| Average total loans | $108,795,000 | 3,204 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3998% | 5,641 |
| Cost of funding earning assets | 1.0447% | 151 |
| Net interest margin | 1.3552% | 5,695 |
| Noninterest income to average assets | 0.0127% | 5,663 |
| Noninterest expense to average assets | 0.4713% | 5,722 |
| Loan and lease loss provision to assets | 0.0034% | 4,043 |
| Net operating income to assets | 0.5954% | 4,409 |
| Return on assets (ROA) | 0.5961% | 4,445 |
| Pretax return on assets | 0.8767% | 4,118 |
| Return on Equity (ROE) | 4.5872% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.5872% | 3,152 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9072% | 5,656 |
| Assets per employee ($millions) | 44.7078% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7145% | 5,105 |
| Loan loss allowance to noncurrent loans | 6.9847% | 5,151 |
| Noncurrent assets plus other real estate owned to assets | 0.6389% | 2,589 |
| Noncurrent loans to loans | 10.2295% | 26 |
| Net loans and leases to total assets | 6.2008% | 5,698 |
| Net loans and leases to deposits | 7.2035% | 5,702 |
| Net loans and leases to core deposits | 8.5536% | 5,693 |
| Total domestic deposits to total assets | 86.0798% | 2,276 |
| Equity capital to assets | 13.2029% | 1,292 |
| Core capital (leverage) ratio | 13.2691% | 1,113 |
| Tier 1 risk-based capital ratio | 47.0939% | 148 |
| Total risk-based capital ratio | 47.7408% | 150 |
| Memoranda: | ||
| Average total assets | $1,781,855,500 | 451 |
| Average earning assets | $1,758,627,500 | 422 |
| Average equity | $231,566,000 | 396 |
| Average total loans | $108,163,750 | 3,238 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3822% | 5,688 |
| Cost of funding earning assets | 1.0291% | 145 |
| Net interest margin | 1.3531% | 5,747 |
| Noninterest income to average assets | 0.0176% | 5,703 |
| Noninterest expense to average assets | 0.5075% | 5,770 |
| Loan and lease loss provision to assets | 0.0034% | 3,836 |
| Net operating income to assets | 0.5729% | 4,418 |
| Return on assets (ROA) | 0.5729% | 4,475 |
| Pretax return on assets | 0.8425% | 4,122 |
| Return on Equity (ROE) | 4.4320% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.4320% | 3,076 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4990% | 5,672 |
| Assets per employee ($millions) | 44.5163% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7172% | 5,170 |
| Loan loss allowance to noncurrent loans | 6.1746% | 5,185 |
| Noncurrent assets plus other real estate owned to assets | 0.7122% | 2,425 |
| Noncurrent loans to loans | 11.6154% | 18 |
| Net loans and leases to total assets | 6.0872% | 5,749 |
| Net loans and leases to deposits | 7.0621% | 5,752 |
| Net loans and leases to core deposits | 8.3287% | 5,740 |
| Total domestic deposits to total assets | 86.1942% | 2,294 |
| Equity capital to assets | 13.0907% | 1,329 |
| Core capital (leverage) ratio | 13.1510% | 1,117 |
| Tier 1 risk-based capital ratio | 46.8791% | 147 |
| Total risk-based capital ratio | 47.5063% | 151 |
| Memoranda: | ||
| Average total assets | $1,779,703,330 | 452 |
| Average earning assets | $1,756,895,000 | 423 |
| Average equity | $230,051,670 | 399 |
| Average total loans | $106,989,330 | 3,265 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3632% | 5,753 |
| Cost of funding earning assets | 1.0224% | 150 |
| Net interest margin | 1.3408% | 5,816 |
| Noninterest income to average assets | 0.0166% | 5,785 |
| Noninterest expense to average assets | 0.5409% | 5,837 |
| Loan and lease loss provision to assets | 0.0034% | 3,514 |
| Net operating income to assets | 0.5414% | 4,416 |
| Return on assets (ROA) | 0.5414% | 4,459 |
| Pretax return on assets | 0.7961% | 4,124 |
| Return on Equity (ROE) | 4.2148% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.2148% | 3,346 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3556% | 5,690 |
| Assets per employee ($millions) | 43.6124% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 5,269 |
| Loan loss allowance to noncurrent loans | 5.4226% | 5,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 2,320 |
| Noncurrent loans to loans | 13.2216% | 17 |
| Net loans and leases to total assets | 5.9477% | 5,818 |
| Net loans and leases to deposits | 6.8961% | 5,818 |
| Net loans and leases to core deposits | 8.0906% | 5,806 |
| Total domestic deposits to total assets | 86.2482% | 2,557 |
| Equity capital to assets | 12.8531% | 1,323 |
| Core capital (leverage) ratio | 13.0071% | 1,139 |
| Tier 1 risk-based capital ratio | 46.3494% | 160 |
| Total risk-based capital ratio | 46.9530% | 162 |
| Memoranda: | ||
| Average total assets | $1,779,229,500 | 456 |
| Average earning assets | $1,756,606,500 | 428 |
| Average equity | $228,527,500 | 402 |
| Average total loans | $105,897,000 | 3,302 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3120% | 5,803 |
| Cost of funding earning assets | 1.0700% | 116 |
| Net interest margin | 1.2420% | 5,866 |
| Noninterest income to average assets | 0.0068% | 5,843 |
| Noninterest expense to average assets | 0.4808% | 5,892 |
| Loan and lease loss provision to assets | 0.0052% | 4,252 |
| Net operating income to assets | 0.4834% | 4,695 |
| Return on assets (ROA) | 0.6739% | 4,010 |
| Pretax return on assets | 1.0417% | 3,322 |
| Return on Equity (ROE) | 5.2637% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.2637% | 2,153 |
| Net charge-offs to loans | 0.1504% | 1,759 |
| Credit loss provision to net charge-offs | 57.6923% | 3,282 |
| Earnings coverage of net charge-offs (x) | 84.0833% | 687 |
| Efficiency ratio | 38.9396% | 5,798 |
| Assets per employee ($millions) | 43.1792% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7194% | 5,326 |
| Loan loss allowance to noncurrent loans | 4.6502% | 5,309 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 2,078 |
| Noncurrent loans to loans | 15.4699% | 13 |
| Net loans and leases to total assets | 5.8701% | 5,876 |
| Net loans and leases to deposits | 6.7981% | 5,877 |
| Net loans and leases to core deposits | 7.9385% | 5,867 |
| Total domestic deposits to total assets | 86.3487% | 2,433 |
| Equity capital to assets | 12.8352% | 1,330 |
| Core capital (leverage) ratio | 12.9399% | 1,155 |
| Tier 1 risk-based capital ratio | 46.1822% | 164 |
| Total risk-based capital ratio | 46.7553% | 167 |
| Memoranda: | ||
| Average total assets | $1,739,949,200 | 453 |
| Average earning assets | $1,720,078,200 | 416 |
| Average equity | $222,753,200 | 399 |
| Average total loans | $103,706,800 | 3,317 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3108% | 5,869 |
| Cost of funding earning assets | 1.0657% | 116 |
| Net interest margin | 1.2451% | 5,934 |
| Noninterest income to average assets | 0.0081% | 5,908 |
| Noninterest expense to average assets | 0.4994% | 5,961 |
| Loan and lease loss provision to assets | 0.0054% | 4,121 |
| Net operating income to assets | 0.4728% | 4,796 |
| Return on assets (ROA) | 0.7262% | 3,852 |
| Pretax return on assets | 1.1245% | 3,138 |
| Return on Equity (ROE) | 5.6759% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.6759% | 2,373 |
| Net charge-offs to loans | 0.1753% | 1,318 |
| Credit loss provision to net charge-offs | 51.4706% | 3,015 |
| Earnings coverage of net charge-offs (x) | 70.6981% | 851 |
| Efficiency ratio | 40.2943% | 5,826 |
| Assets per employee ($millions) | 44.1356% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7326% | 5,354 |
| Loan loss allowance to noncurrent loans | 4.3251% | 5,411 |
| Noncurrent assets plus other real estate owned to assets | 0.9862% | 2,101 |
| Noncurrent loans to loans | 16.9373% | 11 |
| Net loans and leases to total assets | 5.7798% | 5,943 |
| Net loans and leases to deposits | 6.6877% | 5,945 |
| Net loans and leases to core deposits | 7.8068% | 5,934 |
| Total domestic deposits to total assets | 86.4242% | 2,155 |
| Equity capital to assets | 12.7126% | 1,637 |
| Core capital (leverage) ratio | 12.4812% | 1,404 |
| Tier 1 risk-based capital ratio | 46.7867% | 162 |
| Total risk-based capital ratio | 47.2955% | 166 |
| Memoranda: | ||
| Average total assets | $1,732,349,250 | 455 |
| Average earning assets | $1,713,181,250 | 417 |
| Average equity | $221,634,750 | 401 |
| Average total loans | $103,465,000 | 3,328 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3158% | 5,952 |
| Cost of funding earning assets | 1.0610% | 110 |
| Net interest margin | 1.2548% | 6,015 |
| Noninterest income to average assets | 0.0106% | 5,983 |
| Noninterest expense to average assets | 0.5362% | 6,038 |
| Loan and lease loss provision to assets | 0.0041% | 3,963 |
| Net operating income to assets | 0.4840% | 4,746 |
| Return on assets (ROA) | 0.7780% | 3,558 |
| Pretax return on assets | 1.1441% | 3,014 |
| Return on Equity (ROE) | 6.0679% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.0679% | 2,081 |
| Net charge-offs to loans | 0.1929% | 1,188 |
| Credit loss provision to net charge-offs | 35.0000% | 2,815 |
| Earnings coverage of net charge-offs (x) | 61.6100% | 858 |
| Efficiency ratio | 42.8267% | 5,844 |
| Assets per employee ($millions) | 42.5216% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7212% | 5,480 |
| Loan loss allowance to noncurrent loans | 3.8373% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1271% | 1,870 |
| Noncurrent loans to loans | 18.7933% | 5 |
| Net loans and leases to total assets | 5.9539% | 6,018 |
| Net loans and leases to deposits | 6.8788% | 6,023 |
| Net loans and leases to core deposits | 8.0005% | 6,011 |
| Total domestic deposits to total assets | 86.5545% | 2,136 |
| Equity capital to assets | 12.7038% | 1,658 |
| Core capital (leverage) ratio | 12.5653% | 1,320 |
| Tier 1 risk-based capital ratio | 46.5534% | 161 |
| Total risk-based capital ratio | 47.0317% | 166 |
| Memoranda: | ||
| Average total assets | $1,721,324,670 | 454 |
| Average earning assets | $1,703,094,330 | 415 |
| Average equity | $220,702,670 | 403 |
| Average total loans | $103,689,670 | 3,347 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3274% | 6,016 |
| Cost of funding earning assets | 1.0562% | 115 |
| Net interest margin | 1.2712% | 6,082 |
| Noninterest income to average assets | 0.0178% | 6,040 |
| Noninterest expense to average assets | 0.6032% | 6,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4566% | 4,804 |
| Return on assets (ROA) | 0.6219% | 4,200 |
| Pretax return on assets | 0.9147% | 3,786 |
| Return on Equity (ROE) | 4.8276% | 4,565 |
| Retained earnings to average equity (ytd only) | 4.8276% | 3,048 |
| Net charge-offs to loans | 0.3874% | 575 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 28.7200% | 1,209 |
| Efficiency ratio | 47.3124% | 5,756 |
| Assets per employee ($millions) | 42.1756% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6974% | 5,599 |
| Loan loss allowance to noncurrent loans | 3.6011% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 1,901 |
| Noncurrent loans to loans | 19.3666% | 7 |
| Net loans and leases to total assets | 5.9204% | 6,081 |
| Net loans and leases to deposits | 6.8354% | 6,084 |
| Net loans and leases to core deposits | 7.9463% | 6,073 |
| Total domestic deposits to total assets | 86.6148% | 2,403 |
| Equity capital to assets | 12.8144% | 1,500 |
| Core capital (leverage) ratio | 12.7909% | 1,241 |
| Tier 1 risk-based capital ratio | 46.4116% | 159 |
| Total risk-based capital ratio | 46.9017% | 165 |
| Memoranda: | ||
| Average total assets | $1,710,294,500 | 458 |
| Average earning assets | $1,691,348,500 | 414 |
| Average equity | $220,316,000 | 397 |
| Average total loans | $103,258,000 | 3,367 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2957% | 6,052 |
| Cost of funding earning assets | 1.0074% | 172 |
| Net interest margin | 1.2883% | 6,126 |
| Noninterest income to average assets | 0.0073% | 6,093 |
| Noninterest expense to average assets | 0.4336% | 6,163 |
| Loan and lease loss provision to assets | 0.0240% | 3,906 |
| Net operating income to assets | 0.5598% | 4,464 |
| Return on assets (ROA) | 0.6124% | 4,309 |
| Pretax return on assets | 0.9006% | 3,830 |
| Return on Equity (ROE) | 4.8011% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.8011% | 2,571 |
| Net charge-offs to loans | 0.2075% | 1,421 |
| Credit loss provision to net charge-offs | 189.2019% | 1,458 |
| Earnings coverage of net charge-offs (x) | 66.8779% | 806 |
| Efficiency ratio | 33.8549% | 6,123 |
| Assets per employee ($millions) | 41.2534% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7919% | 5,432 |
| Loan loss allowance to noncurrent loans | 3.7927% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 1.2767% | 1,675 |
| Noncurrent loans to loans | 20.8797% | 7 |
| Net loans and leases to total assets | 6.0661% | 6,141 |
| Net loans and leases to deposits | 7.0081% | 6,144 |
| Net loans and leases to core deposits | 8.1156% | 6,131 |
| Total domestic deposits to total assets | 86.5590% | 2,347 |
| Equity capital to assets | 12.9507% | 1,376 |
| Core capital (leverage) ratio | 12.9430% | 1,164 |
| Tier 1 risk-based capital ratio | 46.2355% | 152 |
| Total risk-based capital ratio | 46.7700% | 161 |
| Memoranda: | ||
| Average total assets | $1,681,509,000 | 433 |
| Average earning assets | $1,662,221,800 | 406 |
| Average equity | $214,472,400 | 392 |
| Average total loans | $102,662,600 | 3,343 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2986% | 6,143 |
| Cost of funding earning assets | 0.9953% | 185 |
| Net interest margin | 1.3032% | 6,220 |
| Noninterest income to average assets | 0.0085% | 6,174 |
| Noninterest expense to average assets | 0.4283% | 6,256 |
| Loan and lease loss provision to assets | 0.0241% | 3,794 |
| Net operating income to assets | 0.5742% | 4,505 |
| Return on assets (ROA) | 0.6415% | 4,286 |
| Pretax return on assets | 0.9434% | 3,838 |
| Return on Equity (ROE) | 5.0487% | 4,604 |
| Retained earnings to average equity (ytd only) | 5.0487% | 2,879 |
| Net charge-offs to loans | 0.2615% | 1,010 |
| Credit loss provision to net charge-offs | 150.7463% | 1,666 |
| Earnings coverage of net charge-offs (x) | 54.4136% | 989 |
| Efficiency ratio | 33.0292% | 6,211 |
| Assets per employee ($millions) | 42.0147% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7022% | 5,724 |
| Loan loss allowance to noncurrent loans | 3.6028% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 1,956 |
| Noncurrent loans to loans | 19.4894% | 6 |
| Net loans and leases to total assets | 6.1512% | 6,226 |
| Net loans and leases to deposits | 7.1070% | 6,229 |
| Net loans and leases to core deposits | 8.1864% | 6,217 |
| Total domestic deposits to total assets | 86.5522% | 2,254 |
| Equity capital to assets | 12.8989% | 1,507 |
| Core capital (leverage) ratio | 12.9443% | 1,224 |
| Tier 1 risk-based capital ratio | 46.0829% | 167 |
| Total risk-based capital ratio | 46.5943% | 180 |
| Memoranda: | ||
| Average total assets | $1,679,038,750 | 438 |
| Average earning assets | $1,659,832,250 | 403 |
| Average equity | $213,329,000 | 399 |
| Average total loans | $102,473,000 | 3,379 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3007% | 6,218 |
| Cost of funding earning assets | 0.9850% | 191 |
| Net interest margin | 1.3156% | 6,293 |
| Noninterest income to average assets | 0.0116% | 6,244 |
| Noninterest expense to average assets | 0.4274% | 6,331 |
| Loan and lease loss provision to assets | 0.0147% | 3,832 |
| Net operating income to assets | 0.5918% | 4,386 |
| Return on assets (ROA) | 0.6639% | 4,164 |
| Pretax return on assets | 0.9763% | 3,673 |
| Return on Equity (ROE) | 5.2522% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.2522% | 2,704 |
| Net charge-offs to loans | 0.2413% | 1,076 |
| Credit loss provision to net charge-offs | 100.0000% | 2,033 |
| Earnings coverage of net charge-offs (x) | 60.3821% | 837 |
| Efficiency ratio | 32.5676% | 6,283 |
| Assets per employee ($millions) | 40.6580% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6286% | 5,930 |
| Loan loss allowance to noncurrent loans | 2.9271% | 5,770 |
| Noncurrent assets plus other real estate owned to assets | 1.3131% | 1,915 |
| Noncurrent loans to loans | 21.4759% | 8 |
| Net loans and leases to total assets | 5.9648% | 6,303 |
| Net loans and leases to deposits | 6.8871% | 6,307 |
| Net loans and leases to core deposits | 7.8899% | 6,294 |
| Total domestic deposits to total assets | 86.6081% | 2,368 |
| Equity capital to assets | 12.8862% | 1,455 |
| Core capital (leverage) ratio | 12.7603% | 1,274 |
| Tier 1 risk-based capital ratio | 45.0085% | 194 |
| Total risk-based capital ratio | 45.5785% | 203 |
| Memoranda: | ||
| Average total assets | $1,678,522,330 | 437 |
| Average earning assets | $1,659,615,000 | 406 |
| Average equity | $212,179,330 | 401 |
| Average total loans | $101,928,000 | 3,402 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2985% | 6,287 |
| Cost of funding earning assets | 0.9695% | 204 |
| Net interest margin | 1.3289% | 6,363 |
| Noninterest income to average assets | 0.0192% | 6,295 |
| Noninterest expense to average assets | 0.4173% | 6,404 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6227% | 4,183 |
| Return on assets (ROA) | 0.6797% | 4,019 |
| Pretax return on assets | 0.9996% | 3,511 |
| Return on Equity (ROE) | 5.4291% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.4291% | 2,818 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.3023% | 6,361 |
| Assets per employee ($millions) | 41.1349% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 6,045 |
| Loan loss allowance to noncurrent loans | 2.8934% | 5,817 |
| Noncurrent assets plus other real estate owned to assets | 1.3429% | 1,980 |
| Noncurrent loans to loans | 21.2224% | 11 |
| Net loans and leases to total assets | 6.0364% | 6,375 |
| Net loans and leases to deposits | 6.9580% | 6,378 |
| Net loans and leases to core deposits | 7.9649% | 6,366 |
| Total domestic deposits to total assets | 86.7544% | 2,525 |
| Equity capital to assets | 12.5791% | 1,645 |
| Core capital (leverage) ratio | 12.5429% | 1,346 |
| Tier 1 risk-based capital ratio | 45.5281% | 185 |
| Total risk-based capital ratio | 45.9243% | 199 |
| Memoranda: | ||
| Average total assets | $1,684,294,000 | 435 |
| Average earning assets | $1,665,111,500 | 407 |
| Average equity | $210,864,000 | 403 |
| Average total loans | $102,861,500 | 3,399 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3104% | 6,376 |
| Cost of funding earning assets | 0.9675% | 265 |
| Net interest margin | 1.3429% | 6,445 |
| Noninterest income to average assets | 0.0136% | 6,368 |
| Noninterest expense to average assets | 0.4840% | 6,485 |
| Loan and lease loss provision to assets | 0.0074% | 4,480 |
| Net operating income to assets | 0.5682% | 4,515 |
| Return on assets (ROA) | 0.5794% | 4,548 |
| Pretax return on assets | 0.8520% | 4,066 |
| Return on Equity (ROE) | 4.7625% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.7625% | 2,787 |
| Net charge-offs to loans | 0.1187% | 2,853 |
| Credit loss provision to net charge-offs | 100.0000% | 2,387 |
| Earnings coverage of net charge-offs (x) | 113.7742% | 466 |
| Efficiency ratio | 36.4762% | 6,434 |
| Assets per employee ($millions) | 41.0258% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6090% | 6,130 |
| Loan loss allowance to noncurrent loans | 2.8582% | 5,934 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 2,049 |
| Noncurrent loans to loans | 21.3062% | 9 |
| Net loans and leases to total assets | 6.1032% | 6,465 |
| Net loans and leases to deposits | 7.0138% | 6,468 |
| Net loans and leases to core deposits | 8.0137% | 6,454 |
| Total domestic deposits to total assets | 87.0175% | 2,276 |
| Equity capital to assets | 12.4596% | 1,675 |
| Core capital (leverage) ratio | 12.3874% | 1,404 |
| Tier 1 risk-based capital ratio | 46.3695% | 160 |
| Total risk-based capital ratio | 46.9751% | 166 |
| Memoranda: | ||
| Average total assets | $1,673,623,400 | 425 |
| Average earning assets | $1,636,837,800 | 398 |
| Average equity | $203,613,600 | 398 |
| Average total loans | $104,501,200 | 3,334 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3138% | 6,457 |
| Cost of funding earning assets | 0.9572% | 297 |
| Net interest margin | 1.3566% | 6,529 |
| Noninterest income to average assets | 0.0169% | 6,442 |
| Noninterest expense to average assets | 0.4962% | 6,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5741% | 4,573 |
| Return on assets (ROA) | 0.5833% | 4,604 |
| Pretax return on assets | 0.8578% | 4,153 |
| Return on Equity (ROE) | 4.8240% | 4,808 |
| Retained earnings to average equity (ytd only) | 4.8240% | 3,201 |
| Net charge-offs to loans | 0.1578% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 85.3544% | 662 |
| Efficiency ratio | 37.0187% | 6,495 |
| Assets per employee ($millions) | 41.3895% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4839% | 6,355 |
| Loan loss allowance to noncurrent loans | 2.1482% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 1.3853% | 2,230 |
| Noncurrent loans to loans | 22.5263% | 9 |
| Net loans and leases to total assets | 6.1199% | 6,544 |
| Net loans and leases to deposits | 7.0269% | 6,548 |
| Net loans and leases to core deposits | 8.0434% | 6,534 |
| Total domestic deposits to total assets | 87.0928% | 2,264 |
| Equity capital to assets | 12.1545% | 1,943 |
| Core capital (leverage) ratio | 12.3146% | 1,506 |
| Tier 1 risk-based capital ratio | 46.0519% | 167 |
| Total risk-based capital ratio | 46.5924% | 172 |
| Memoranda: | ||
| Average total assets | $1,671,515,250 | 423 |
| Average earning assets | $1,630,803,250 | 398 |
| Average equity | $202,122,750 | 399 |
| Average total loans | $104,804,250 | 3,358 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3159% | 6,524 |
| Cost of funding earning assets | 0.9540% | 309 |
| Net interest margin | 1.3619% | 6,594 |
| Noninterest income to average assets | 0.0203% | 6,508 |
| Noninterest expense to average assets | 0.4910% | 6,630 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5797% | 4,454 |
| Return on assets (ROA) | 0.5922% | 4,486 |
| Pretax return on assets | 0.8708% | 3,994 |
| Return on Equity (ROE) | 4.9057% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.9057% | 3,022 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5500% | 6,571 |
| Assets per employee ($millions) | 40.5661% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5927% | 6,322 |
| Loan loss allowance to noncurrent loans | 2.6362% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 1.4346% | 2,277 |
| Noncurrent loans to loans | 22.4842% | 7 |
| Net loans and leases to total assets | 6.3426% | 6,610 |
| Net loans and leases to deposits | 7.2753% | 6,613 |
| Net loans and leases to core deposits | 8.3199% | 6,601 |
| Total domestic deposits to total assets | 87.1797% | 2,355 |
| Equity capital to assets | 12.2482% | 1,814 |
| Core capital (leverage) ratio | 12.2946% | 1,505 |
| Tier 1 risk-based capital ratio | 45.5987% | 167 |
| Total risk-based capital ratio | 46.1415% | 177 |
| Memoranda: | ||
| Average total assets | $1,663,030,330 | 425 |
| Average earning assets | $1,615,677,670 | 398 |
| Average equity | $200,744,330 | 399 |
| Average total loans | $104,953,000 | 3,360 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3150% | 6,597 |
| Cost of funding earning assets | 0.9552% | 332 |
| Net interest margin | 1.3598% | 6,672 |
| Noninterest income to average assets | 0.0267% | 6,548 |
| Noninterest expense to average assets | 0.5415% | 6,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5410% | 4,498 |
| Return on assets (ROA) | 0.5535% | 4,516 |
| Pretax return on assets | 0.8140% | 4,059 |
| Return on Equity (ROE) | 4.6191% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.6191% | 3,348 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4929% | 6,586 |
| Assets per employee ($millions) | 40.6410% | 31 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 6,400 |
| Loan loss allowance to noncurrent loans | 2.6775% | 6,194 |
| Noncurrent assets plus other real estate owned to assets | 1.4098% | 2,510 |
| Noncurrent loans to loans | 22.6115% | 9 |
| Net loans and leases to total assets | 6.1973% | 6,682 |
| Net loans and leases to deposits | 7.0987% | 6,686 |
| Net loans and leases to core deposits | 7.0987% | 6,674 |
| Total domestic deposits to total assets | 87.3027% | 2,636 |
| Equity capital to assets | 12.0637% | 1,828 |
| Core capital (leverage) ratio | 12.1476% | 1,576 |
| Tier 1 risk-based capital ratio | 45.3282% | 167 |
| Total risk-based capital ratio | 45.8617% | 178 |
| Memoranda: | ||
| Average total assets | $1,662,940,500 | 427 |
| Average earning assets | $1,602,588,000 | 400 |
| Average equity | $199,259,500 | 399 |
| Average total loans | $104,370,000 | 3,379 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2279% | 6,680 |
| Cost of funding earning assets | 0.9811% | 494 |
| Net interest margin | 1.2467% | 6,747 |
| Noninterest income to average assets | 0.0141% | 6,622 |
| Noninterest expense to average assets | 0.4722% | 6,786 |
| Loan and lease loss provision to assets | 0.0023% | 5,064 |
| Net operating income to assets | 0.5198% | 4,650 |
| Return on assets (ROA) | 0.5604% | 4,573 |
| Pretax return on assets | 0.8242% | 4,057 |
| Return on Equity (ROE) | 4.6360% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.6360% | 2,858 |
| Net charge-offs to loans | 0.0362% | 4,722 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 328.7368% | 134 |
| Efficiency ratio | 38.1125% | 6,715 |
| Assets per employee ($millions) | 40.4781% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5999% | 6,472 |
| Loan loss allowance to noncurrent loans | 2.4865% | 6,296 |
| Noncurrent assets plus other real estate owned to assets | 1.5243% | 2,439 |
| Noncurrent loans to loans | 24.1278% | 8 |
| Net loans and leases to total assets | 6.2796% | 6,762 |
| Net loans and leases to deposits | 7.1912% | 6,766 |
| Net loans and leases to core deposits | 7.1912% | 6,755 |
| Total domestic deposits to total assets | 87.3235% | 2,569 |
| Equity capital to assets | 11.9007% | 1,865 |
| Core capital (leverage) ratio | 11.8646% | 1,705 |
| Tier 1 risk-based capital ratio | 44.4378% | 173 |
| Total risk-based capital ratio | 44.9050% | 184 |
| Memoranda: | ||
| Average total assets | $1,629,106,200 | 426 |
| Average earning assets | $1,600,571,400 | 396 |
| Average equity | $196,938,000 | 393 |
| Average total loans | $104,847,600 | 3,347 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2627% | 6,762 |
| Cost of funding earning assets | 0.9862% | 528 |
| Net interest margin | 1.2766% | 6,830 |
| Noninterest income to average assets | 0.0149% | 6,704 |
| Noninterest expense to average assets | 0.4924% | 6,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6557% | 4,092 |
| Return on assets (ROA) | 0.7224% | 3,867 |
| Pretax return on assets | 0.8550% | 4,073 |
| Return on Equity (ROE) | 5.9519% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.9519% | 2,444 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8302% | 6,772 |
| Assets per employee ($millions) | 40.4011% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6170% | 6,542 |
| Loan loss allowance to noncurrent loans | 2.4714% | 6,384 |
| Noncurrent assets plus other real estate owned to assets | 1.5533% | 2,605 |
| Noncurrent loans to loans | 24.9640% | 8 |
| Net loans and leases to total assets | 6.1168% | 6,844 |
| Net loans and leases to deposits | 7.0195% | 6,845 |
| Net loans and leases to core deposits | 7.0195% | 6,836 |
| Total domestic deposits to total assets | 87.1401% | 2,614 |
| Equity capital to assets | 12.1495% | 1,823 |
| Core capital (leverage) ratio | 12.2428% | 1,548 |
| Tier 1 risk-based capital ratio | 44.7700% | 175 |
| Total risk-based capital ratio | 45.2032% | 183 |
| Memoranda: | ||
| Average total assets | $1,621,482,250 | 427 |
| Average earning assets | $1,591,711,250 | 397 |
| Average equity | $196,796,500 | 392 |
| Average total loans | $104,848,000 | 3,368 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2657% | 6,806 |
| Cost of funding earning assets | 0.9967% | 552 |
| Net interest margin | 1.2690% | 6,879 |
| Noninterest income to average assets | 0.0159% | 6,753 |
| Noninterest expense to average assets | 0.5225% | 6,914 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5661% | 4,472 |
| Return on assets (ROA) | 0.6585% | 4,185 |
| Pretax return on assets | 0.8588% | 4,071 |
| Return on Equity (ROE) | 5.4272% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.4272% | 2,790 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4221% | 6,770 |
| Assets per employee ($millions) | 39.6244% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6135% | 6,600 |
| Loan loss allowance to noncurrent loans | 2.5550% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 2,809 |
| Noncurrent loans to loans | 24.0096% | 8 |
| Net loans and leases to total assets | 6.2726% | 6,891 |
| Net loans and leases to deposits | 7.2035% | 6,895 |
| Net loans and leases to core deposits | 7.2035% | 6,886 |
| Total domestic deposits to total assets | 87.0774% | 2,772 |
| Equity capital to assets | 12.1897% | 1,778 |
| Core capital (leverage) ratio | 12.2487% | 1,474 |
| Tier 1 risk-based capital ratio | 44.6421% | 174 |
| Total risk-based capital ratio | 45.1283% | 179 |
| Memoranda: | ||
| Average total assets | $1,609,828,330 | 433 |
| Average earning assets | $1,580,173,330 | 401 |
| Average equity | $195,312,000 | 393 |
| Average total loans | $105,813,670 | 3,360 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1633% | 6,904 |
| Cost of funding earning assets | 1.0122% | 580 |
| Net interest margin | 1.1511% | 6,970 |
| Noninterest income to average assets | 0.0227% | 6,806 |
| Noninterest expense to average assets | 0.6028% | 6,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3727% | 5,250 |
| Return on assets (ROA) | 0.5005% | 4,810 |
| Pretax return on assets | 0.7376% | 4,420 |
| Return on Equity (ROE) | 4.1351% | 5,024 |
| Retained earnings to average equity (ytd only) | 4.1351% | 3,739 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3067% | 6,362 |
| Assets per employee ($millions) | 40.1191% | 36 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5947% | 6,713 |
| Loan loss allowance to noncurrent loans | 2.5952% | 6,520 |
| Noncurrent assets plus other real estate owned to assets | 1.5276% | 2,968 |
| Noncurrent loans to loans | 22.9142% | 14 |
| Net loans and leases to total assets | 6.5520% | 6,967 |
| Net loans and leases to deposits | 7.5179% | 6,972 |
| Net loans and leases to core deposits | 7.5179% | 6,962 |
| Total domestic deposits to total assets | 87.1516% | 2,862 |
| Equity capital to assets | 12.1336% | 1,950 |
| Core capital (leverage) ratio | 12.1266% | 1,500 |
| Tier 1 risk-based capital ratio | 44.4285% | 174 |
| Total risk-based capital ratio | 44.9169% | 181 |
| Memoranda: | ||
| Average total assets | $1,602,443,000 | 436 |
| Average earning assets | $1,572,809,500 | 403 |
| Average equity | $193,951,500 | 398 |
| Average total loans | $107,453,500 | 3,347 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3441% | 6,964 |
| Cost of funding earning assets | 1.1939% | 599 |
| Net interest margin | 1.1503% | 7,025 |
| Noninterest income to average assets | 0.0161% | 6,784 |
| Noninterest expense to average assets | 0.4478% | 7,046 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4533% | 4,876 |
| Return on assets (ROA) | 0.7383% | 3,810 |
| Pretax return on assets | 1.1048% | 3,140 |
| Return on Equity (ROE) | 6.0361% | 4,156 |
| Retained earnings to average equity (ytd only) | 6.0361% | 2,059 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7277% | 6,931 |
| Assets per employee ($millions) | 37.2122% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5764% | 6,787 |
| Loan loss allowance to noncurrent loans | 2.7588% | 6,571 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 3,222 |
| Noncurrent loans to loans | 20.8917% | 22 |
| Net loans and leases to total assets | 6.7810% | 7,022 |
| Net loans and leases to deposits | 7.7707% | 7,028 |
| Net loans and leases to core deposits | 8.7573% | 7,021 |
| Total domestic deposits to total assets | 87.2644% | 2,668 |
| Equity capital to assets | 12.0733% | 2,000 |
| Core capital (leverage) ratio | 12.1297% | 1,490 |
| Tier 1 risk-based capital ratio | 87.8073% | 55 |
| Total risk-based capital ratio | 88.6747% | 55 |
| Memoranda: | ||
| Average total assets | $1,544,124,600 | 437 |
| Average earning assets | $1,491,637,400 | 410 |
| Average equity | $188,863,800 | 392 |
| Average total loans | $114,654,400 | 3,196 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3789% | 7,072 |
| Cost of funding earning assets | 1.2249% | 621 |
| Net interest margin | 1.1539% | 7,131 |
| Noninterest income to average assets | 0.0167% | 6,899 |
| Noninterest expense to average assets | 0.4545% | 7,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4557% | 5,015 |
| Return on assets (ROA) | 0.7785% | 3,805 |
| Pretax return on assets | 1.1542% | 3,147 |
| Return on Equity (ROE) | 6.3433% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.3433% | 2,460 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3309% | 7,007 |
| Assets per employee ($millions) | 37.6358% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 6,897 |
| Loan loss allowance to noncurrent loans | 3.2023% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 1.2602% | 3,781 |
| Noncurrent loans to loans | 17.6365% | 62 |
| Net loans and leases to total assets | 7.0059% | 7,128 |
| Net loans and leases to deposits | 8.0306% | 7,133 |
| Net loans and leases to core deposits | 8.0306% | 7,125 |
| Total domestic deposits to total assets | 87.2400% | 2,533 |
| Equity capital to assets | 12.0745% | 2,195 |
| Core capital (leverage) ratio | 12.1673% | 1,551 |
| Tier 1 risk-based capital ratio | 87.2640% | 55 |
| Total risk-based capital ratio | 88.1867% | 55 |
| Memoranda: | ||
| Average total assets | $1,530,125,000 | 438 |
| Average earning assets | $1,472,146,500 | 413 |
| Average equity | $187,783,000 | 394 |
| Average total loans | $116,034,500 | 3,200 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4413% | 7,137 |
| Cost of funding earning assets | 1.2498% | 647 |
| Net interest margin | 1.1915% | 7,198 |
| Noninterest income to average assets | 0.0209% | 6,944 |
| Noninterest expense to average assets | 0.4716% | 7,218 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4578% | 5,009 |
| Return on assets (ROA) | 0.8042% | 3,633 |
| Pretax return on assets | 1.2338% | 2,786 |
| Return on Equity (ROE) | 6.5165% | 4,042 |
| Retained earnings to average equity (ytd only) | 6.5165% | 2,374 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2255% | 7,059 |
| Assets per employee ($millions) | 36.7809% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5486% | 6,981 |
| Loan loss allowance to noncurrent loans | 3.2592% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 3,891 |
| Noncurrent loans to loans | 16.8334% | 74 |
| Net loans and leases to total assets | 7.3808% | 7,191 |
| Net loans and leases to deposits | 8.4680% | 7,198 |
| Net loans and leases to core deposits | 8.5833% | 7,191 |
| Total domestic deposits to total assets | 87.1610% | 2,679 |
| Equity capital to assets | 12.1537% | 2,026 |
| Core capital (leverage) ratio | 12.2356% | 1,478 |
| Tier 1 risk-based capital ratio | 82.6323% | 54 |
| Total risk-based capital ratio | 83.4307% | 54 |
| Memoranda: | ||
| Average total assets | $1,513,265,330 | 443 |
| Average earning assets | $1,462,334,330 | 416 |
| Average equity | $186,756,670 | 395 |
| Average total loans | $117,589,000 | 3,190 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4658% | 7,181 |
| Cost of funding earning assets | 1.2762% | 697 |
| Net interest margin | 1.1896% | 7,263 |
| Noninterest income to average assets | 0.0350% | 6,989 |
| Noninterest expense to average assets | 0.4447% | 7,285 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5548% | 4,565 |
| Return on assets (ROA) | 1.1654% | 2,018 |
| Pretax return on assets | 1.5530% | 1,731 |
| Return on Equity (ROE) | 9.3697% | 2,650 |
| Retained earnings to average equity (ytd only) | 9.3697% | 1,450 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5762% | 7,158 |
| Assets per employee ($millions) | 36.1322% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5328% | 7,042 |
| Loan loss allowance to noncurrent loans | 3.2084% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 1.3212% | 3,907 |
| Noncurrent loans to loans | 16.6062% | 91 |
| Net loans and leases to total assets | 7.7380% | 7,248 |
| Net loans and leases to deposits | 8.8908% | 7,257 |
| Net loans and leases to core deposits | 9.0334% | 7,247 |
| Total domestic deposits to total assets | 87.0344% | 2,940 |
| Equity capital to assets | 12.2653% | 1,870 |
| Core capital (leverage) ratio | 12.4347% | 1,366 |
| Tier 1 risk-based capital ratio | 44.9404% | 166 |
| Total risk-based capital ratio | 45.3984% | 170 |
| Memoranda: | ||
| Average total assets | $1,497,499,000 | 446 |
| Average earning assets | $1,445,844,000 | 421 |
| Average equity | $186,260,000 | 390 |
| Average total loans | $119,060,000 | 3,172 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8289% | 7,217 |
| Cost of funding earning assets | 1.3805% | 1,118 |
| Net interest margin | 1.4484% | 7,291 |
| Noninterest income to average assets | 0.0070% | 6,965 |
| Noninterest expense to average assets | 0.5713% | 7,324 |
| Loan and lease loss provision to assets | 0.0026% | 6,480 |
| Net operating income to assets | 0.5672% | 4,161 |
| Return on assets (ROA) | 0.7362% | 3,482 |
| Pretax return on assets | 1.0654% | 2,979 |
| Return on Equity (ROE) | 5.5234% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.5234% | 2,285 |
| Net charge-offs to loans | 0.0322% | 5,997 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 313.3514% | 115 |
| Efficiency ratio | 40.9704% | 7,194 |
| Assets per employee ($millions) | 35.1772% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5239% | 7,088 |
| Loan loss allowance to noncurrent loans | 3.4211% | 6,861 |
| Noncurrent assets plus other real estate owned to assets | 1.2746% | 4,094 |
| Noncurrent loans to loans | 15.3138% | 125 |
| Net loans and leases to total assets | 8.0838% | 7,298 |
| Net loans and leases to deposits | 9.3275% | 7,303 |
| Net loans and leases to core deposits | 9.5726% | 7,292 |
| Total domestic deposits to total assets | 86.6663% | 2,938 |
| Equity capital to assets | 12.6155% | 1,734 |
| Core capital (leverage) ratio | 12.9437% | 1,165 |
| Tier 1 risk-based capital ratio | 45.4356% | 164 |
| Total risk-based capital ratio | 45.7793% | 168 |
| Memoranda: | ||
| Average total assets | $1,408,584,200 | 473 |
| Average earning assets | $1,349,250,000 | 441 |
| Average equity | $187,745,800 | 373 |
| Average total loans | $114,771,400 | 3,279 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8625% | 7,290 |
| Cost of funding earning assets | 1.3889% | 1,276 |
| Net interest margin | 1.4736% | 7,366 |
| Noninterest income to average assets | 0.0072% | 7,084 |
| Noninterest expense to average assets | 0.6061% | 7,406 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8108% | 3,107 |
| Return on assets (ROA) | 0.9881% | 2,517 |
| Pretax return on assets | 0.9883% | 3,445 |
| Return on Equity (ROE) | 7.3093% | 3,375 |
| Retained earnings to average equity (ytd only) | 7.3093% | 1,808 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7712% | 7,185 |
| Assets per employee ($millions) | 33.3835% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5374% | 7,142 |
| Loan loss allowance to noncurrent loans | 3.2413% | 6,950 |
| Noncurrent assets plus other real estate owned to assets | 1.3519% | 4,118 |
| Noncurrent loans to loans | 16.5807% | 102 |
| Net loans and leases to total assets | 8.1095% | 7,374 |
| Net loans and leases to deposits | 9.4519% | 7,379 |
| Net loans and leases to core deposits | 9.7510% | 7,368 |
| Total domestic deposits to total assets | 85.7976% | 3,328 |
| Equity capital to assets | 13.4852% | 1,376 |
| Core capital (leverage) ratio | 13.8519% | 936 |
| Tier 1 risk-based capital ratio | 46.7904% | 166 |
| Total risk-based capital ratio | 47.0120% | 170 |
| Memoranda: | ||
| Average total assets | $1,391,369,250 | 480 |
| Average earning assets | $1,331,205,500 | 454 |
| Average equity | $188,085,500 | 379 |
| Average total loans | $113,448,750 | 3,338 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8832% | 7,368 |
| Cost of funding earning assets | 1.3949% | 1,445 |
| Net interest margin | 1.4884% | 7,444 |
| Noninterest income to average assets | 0.0071% | 7,173 |
| Noninterest expense to average assets | 0.6437% | 7,482 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7876% | 3,129 |
| Return on assets (ROA) | 0.9469% | 2,541 |
| Pretax return on assets | 0.9472% | 3,443 |
| Return on Equity (ROE) | 6.9990% | 3,449 |
| Retained earnings to average equity (ytd only) | 6.9990% | 1,877 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9665% | 7,200 |
| Assets per employee ($millions) | 33.4857% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5349% | 7,203 |
| Loan loss allowance to noncurrent loans | 3.6866% | 6,995 |
| Noncurrent assets plus other real estate owned to assets | 1.2132% | 4,468 |
| Noncurrent loans to loans | 14.5090% | 148 |
| Net loans and leases to total assets | 8.3168% | 7,445 |
| Net loans and leases to deposits | 9.7035% | 7,456 |
| Net loans and leases to core deposits | 10.8361% | 7,446 |
| Total domestic deposits to total assets | 85.7091% | 3,490 |
| Equity capital to assets | 13.5242% | 1,278 |
| Core capital (leverage) ratio | 13.8720% | 903 |
| Tier 1 risk-based capital ratio | 46.7124% | 165 |
| Total risk-based capital ratio | 47.0920% | 169 |
| Memoranda: | ||
| Average total assets | $1,376,662,330 | 494 |
| Average earning assets | $1,317,554,000 | 470 |
| Average equity | $186,254,670 | 386 |
| Average total loans | $112,251,670 | 3,408 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8398% | 7,435 |
| Cost of funding earning assets | 1.4104% | 1,561 |
| Net interest margin | 1.4294% | 7,507 |
| Noninterest income to average assets | 0.0106% | 7,269 |
| Noninterest expense to average assets | 0.7390% | 7,534 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6392% | 3,809 |
| Return on assets (ROA) | 0.6911% | 3,618 |
| Pretax return on assets | 0.6917% | 4,336 |
| Return on Equity (ROE) | 5.1075% | 4,337 |
| Retained earnings to average equity (ytd only) | 5.1075% | 3,114 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6003% | 6,727 |
| Assets per employee ($millions) | 32.6299% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5598% | 7,245 |
| Loan loss allowance to noncurrent loans | 3.2044% | 7,055 |
| Noncurrent assets plus other real estate owned to assets | 1.4323% | 4,125 |
| Noncurrent loans to loans | 17.4701% | 98 |
| Net loans and leases to total assets | 8.1527% | 7,507 |
| Net loans and leases to deposits | 9.5091% | 7,517 |
| Net loans and leases to core deposits | 10.5723% | 7,503 |
| Total domestic deposits to total assets | 85.7354% | 3,675 |
| Equity capital to assets | 13.5514% | 1,165 |
| Core capital (leverage) ratio | 13.8704% | 881 |
| Tier 1 risk-based capital ratio | 46.5353% | 160 |
| Total risk-based capital ratio | 46.8591% | 165 |
| Memoranda: | ||
| Average total assets | $1,361,793,500 | 501 |
| Average earning assets | $1,303,451,500 | 479 |
| Average equity | $184,279,500 | 388 |
| Average total loans | $109,579,500 | 3,507 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2740% | 7,451 |
| Cost of funding earning assets | 1.7030% | 1,587 |
| Net interest margin | 1.5710% | 7,541 |
| Noninterest income to average assets | 0.4475% | 4,534 |
| Noninterest expense to average assets | 0.7001% | 7,603 |
| Loan and lease loss provision to assets | 0.0100% | 6,985 |
| Net operating income to assets | 1.1563% | 1,524 |
| Return on assets (ROA) | 1.5732% | 716 |
| Pretax return on assets | 1.7093% | 922 |
| Return on Equity (ROE) | 13.0522% | 1,075 |
| Retained earnings to average equity (ytd only) | 13.0522% | 208 |
| Net charge-offs to loans | 0.1141% | 5,742 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 126.5156% | 202 |
| Efficiency ratio | 35.6052% | 7,548 |
| Assets per employee ($millions) | 32.2175% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5889% | 7,278 |
| Loan loss allowance to noncurrent loans | 3.1869% | 7,136 |
| Noncurrent assets plus other real estate owned to assets | 1.4586% | 4,140 |
| Noncurrent loans to loans | 18.4802% | 94 |
| Net loans and leases to total assets | 7.8464% | 7,589 |
| Net loans and leases to deposits | 9.1571% | 7,600 |
| Net loans and leases to core deposits | 10.1822% | 7,584 |
| Total domestic deposits to total assets | 85.6861% | 3,502 |
| Equity capital to assets | 13.5126% | 1,175 |
| Core capital (leverage) ratio | 13.7944% | 898 |
| Tier 1 risk-based capital ratio | 46.4287% | 162 |
| Total risk-based capital ratio | 46.7549% | 167 |
| Memoranda: | ||
| Average total assets | $1,278,977,400 | 529 |
| Average earning assets | $1,236,383,200 | 492 |
| Average equity | $154,157,400 | 444 |
| Average total loans | $112,171,400 | 3,489 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4147% | 7,557 |
| Cost of funding earning assets | 1.7560% | 1,605 |
| Net interest margin | 1.6587% | 7,648 |
| Noninterest income to average assets | 0.0063% | 7,425 |
| Noninterest expense to average assets | 0.6083% | 7,727 |
| Loan and lease loss provision to assets | 0.0047% | 6,962 |
| Net operating income to assets | 1.0012% | 2,235 |
| Return on assets (ROA) | 2.0817% | 315 |
| Pretax return on assets | 2.0817% | 526 |
| Return on Equity (ROE) | 17.8507% | 493 |
| Retained earnings to average equity (ytd only) | 17.8507% | 110 |
| Net charge-offs to loans | 0.0517% | 6,007 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 216.0960% | 150 |
| Efficiency ratio | 37.6868% | 7,619 |
| Assets per employee ($millions) | 31.3347% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5648% | 7,394 |
| Loan loss allowance to noncurrent loans | 2.9442% | 7,248 |
| Noncurrent assets plus other real estate owned to assets | 1.6233% | 4,009 |
| Noncurrent loans to loans | 19.1841% | 89 |
| Net loans and leases to total assets | 8.4141% | 7,693 |
| Net loans and leases to deposits | 9.6319% | 7,703 |
| Net loans and leases to core deposits | 10.6967% | 7,686 |
| Total domestic deposits to total assets | 87.3559% | 2,341 |
| Equity capital to assets | 12.0645% | 2,119 |
| Core capital (leverage) ratio | 12.2528% | 1,534 |
| Tier 1 risk-based capital ratio | 43.8841% | 193 |
| Total risk-based capital ratio | 44.0584% | 203 |
| Memoranda: | ||
| Average total assets | $1,260,438,500 | 528 |
| Average earning assets | $1,221,795,500 | 493 |
| Average equity | $146,986,000 | 463 |
| Average total loans | $113,514,000 | 3,514 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5540% | 7,595 |
| Cost of funding earning assets | 1.8007% | 1,638 |
| Net interest margin | 1.7533% | 7,703 |
| Noninterest income to average assets | 0.0061% | 7,506 |
| Noninterest expense to average assets | 0.6163% | 7,799 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0980% | 1,861 |
| Return on assets (ROA) | 1.2571% | 1,477 |
| Pretax return on assets | 1.2571% | 2,234 |
| Return on Equity (ROE) | 10.9132% | 1,781 |
| Retained earnings to average equity (ytd only) | 10.9132% | 676 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9512% | 7,699 |
| Assets per employee ($millions) | 29.6544% | 46 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5554% | 7,462 |
| Loan loss allowance to noncurrent loans | 3.2877% | 7,321 |
| Noncurrent assets plus other real estate owned to assets | 1.5004% | 4,206 |
| Noncurrent loans to loans | 16.8920% | 133 |
| Net loans and leases to total assets | 8.8329% | 7,761 |
| Net loans and leases to deposits | 10.0457% | 7,769 |
| Net loans and leases to core deposits | 11.1202% | 7,754 |
| Total domestic deposits to total assets | 87.9275% | 2,043 |
| Equity capital to assets | 11.5227% | 2,426 |
| Core capital (leverage) ratio | 11.6601% | 1,833 |
| Tier 1 risk-based capital ratio | 43.9069% | 192 |
| Total risk-based capital ratio | 44.0954% | 202 |
| Memoranda: | ||
| Average total assets | $1,241,899,000 | 537 |
| Average earning assets | $1,209,969,670 | 498 |
| Average equity | $143,056,000 | 472 |
| Average total loans | $114,231,000 | 3,529 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 7,682 |
| Cost of funding earning assets | 1.8849% | 1,510 |
| Net interest margin | 1.7048% | 7,798 |
| Noninterest income to average assets | 0.0059% | 7,636 |
| Noninterest expense to average assets | 0.5873% | 7,904 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0780% | 1,902 |
| Return on assets (ROA) | 1.2236% | 1,552 |
| Pretax return on assets | 1.2236% | 2,288 |
| Return on Equity (ROE) | 10.6237% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.6237% | 1,006 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2676% | 7,800 |
| Assets per employee ($millions) | 28.8591% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5502% | 7,551 |
| Loan loss allowance to noncurrent loans | 3.2171% | 7,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5756% | 4,137 |
| Noncurrent loans to loans | 17.1026% | 129 |
| Net loans and leases to total assets | 9.1618% | 7,864 |
| Net loans and leases to deposits | 10.4197% | 7,870 |
| Net loans and leases to core deposits | 11.4880% | 7,852 |
| Total domestic deposits to total assets | 87.9282% | 2,105 |
| Equity capital to assets | 11.5405% | 2,330 |
| Core capital (leverage) ratio | 11.6490% | 1,832 |
| Tier 1 risk-based capital ratio | 42.3761% | 223 |
| Total risk-based capital ratio | 42.5632% | 227 |
| Memoranda: | ||
| Average total assets | $1,225,279,500 | 562 |
| Average earning assets | $1,192,623,000 | 520 |
| Average equity | $141,119,000 | 482 |
| Average total loans | $114,716,000 | 3,580 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7930% | 7,761 |
| Cost of funding earning assets | 2.7132% | 562 |
| Net interest margin | 1.0798% | 7,922 |
| Noninterest income to average assets | 0.0080% | 7,670 |
| Noninterest expense to average assets | 0.6471% | 7,975 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4029% | 4,119 |
| Return on assets (ROA) | 0.6691% | 3,117 |
| Pretax return on assets | 0.6823% | 3,636 |
| Return on Equity (ROE) | 5.6572% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.6572% | 1,491 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9600% | 6,339 |
| Assets per employee ($millions) | 28.1306% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5464% | 7,621 |
| Loan loss allowance to noncurrent loans | 3.7882% | 7,430 |
| Noncurrent assets plus other real estate owned to assets | 1.3727% | 4,367 |
| Noncurrent loans to loans | 14.4245% | 191 |
| Net loans and leases to total assets | 9.4642% | 7,934 |
| Net loans and leases to deposits | 10.7756% | 7,946 |
| Net loans and leases to core deposits | 21.4381% | 7,916 |
| Total domestic deposits to total assets | 87.8301% | 2,057 |
| Equity capital to assets | 11.4935% | 2,326 |
| Core capital (leverage) ratio | 11.6430% | 1,845 |
| Tier 1 risk-based capital ratio | 43.1480% | 206 |
| Total risk-based capital ratio | 43.3437% | 216 |
| Memoranda: | ||
| Average total assets | $1,136,263,000 | 585 |
| Average earning assets | $1,108,657,400 | 545 |
| Average equity | $134,395,600 | 502 |
| Average total loans | $121,896,000 | 3,445 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 7,857 |
| Cost of funding earning assets | 2.8694% | 501 |
| Net interest margin | 0.9547% | 8,025 |
| Noninterest income to average assets | 0.0085% | 7,813 |
| Noninterest expense to average assets | 0.5900% | 8,068 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3368% | 4,650 |
| Return on assets (ROA) | 0.5885% | 3,706 |
| Pretax return on assets | 0.6063% | 4,164 |
| Return on Equity (ROE) | 4.9374% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.9374% | 2,528 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7792% | 5,969 |
| Assets per employee ($millions) | 27.3462% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5374% | 7,663 |
| Loan loss allowance to noncurrent loans | 4.0911% | 7,512 |
| Noncurrent assets plus other real estate owned to assets | 1.3075% | 4,465 |
| Noncurrent loans to loans | 13.1356% | 216 |
| Net loans and leases to total assets | 9.9005% | 8,016 |
| Net loans and leases to deposits | 11.2982% | 8,029 |
| Net loans and leases to core deposits | 22.0983% | 7,986 |
| Total domestic deposits to total assets | 87.6297% | 1,834 |
| Equity capital to assets | 11.5876% | 2,514 |
| Core capital (leverage) ratio | 11.7442% | 1,940 |
| Tier 1 risk-based capital ratio | 43.9339% | 223 |
| Total risk-based capital ratio | 44.1370% | 230 |
| Memoranda: | ||
| Average total assets | $1,117,924,500 | 607 |
| Average earning assets | $1,090,561,500 | 571 |
| Average equity | $133,237,750 | 511 |
| Average total loans | $123,592,500 | 3,432 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 7,922 |
| Cost of funding earning assets | 3.0055% | 471 |
| Net interest margin | 0.9309% | 8,109 |
| Noninterest income to average assets | 0.0087% | 7,914 |
| Noninterest expense to average assets | 0.5886% | 8,161 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3108% | 4,844 |
| Return on assets (ROA) | 0.5380% | 4,053 |
| Pretax return on assets | 0.5653% | 4,421 |
| Return on Equity (ROE) | 4.4694% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.4694% | 2,806 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1723% | 5,882 |
| Assets per employee ($millions) | 26.5466% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5223% | 7,763 |
| Loan loss allowance to noncurrent loans | 4.2015% | 7,549 |
| Noncurrent assets plus other real estate owned to assets | 1.3115% | 4,323 |
| Noncurrent loans to loans | 12.4322% | 202 |
| Net loans and leases to total assets | 10.4942% | 8,102 |
| Net loans and leases to deposits | 11.9911% | 8,117 |
| Net loans and leases to core deposits | 23.0240% | 8,072 |
| Total domestic deposits to total assets | 87.5165% | 2,008 |
| Equity capital to assets | 11.7228% | 2,373 |
| Core capital (leverage) ratio | 11.9338% | 1,862 |
| Tier 1 risk-based capital ratio | 43.7574% | 241 |
| Total risk-based capital ratio | 43.9634% | 254 |
| Memoranda: | ||
| Average total assets | $1,098,604,000 | 631 |
| Average earning assets | $1,072,114,670 | 591 |
| Average equity | $132,231,330 | 524 |
| Average total loans | $125,774,000 | 3,426 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 7,879 |
| Cost of funding earning assets | 3.1496% | 397 |
| Net interest margin | 1.0978% | 8,149 |
| Noninterest income to average assets | 0.0082% | 8,022 |
| Noninterest expense to average assets | 0.5422% | 8,214 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4923% | 4,453 |
| Return on assets (ROA) | 0.7628% | 3,464 |
| Pretax return on assets | 0.8185% | 4,010 |
| Return on Equity (ROE) | 6.2508% | 3,933 |
| Retained earnings to average equity (ytd only) | 6.2508% | 2,527 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1718% | 7,578 |
| Assets per employee ($millions) | 25.5999% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5051% | 7,818 |
| Loan loss allowance to noncurrent loans | 5.1911% | 7,548 |
| Noncurrent assets plus other real estate owned to assets | 1.1007% | 4,484 |
| Noncurrent loans to loans | 9.7302% | 311 |
| Net loans and leases to total assets | 11.2556% | 8,153 |
| Net loans and leases to deposits | 12.8933% | 8,165 |
| Net loans and leases to core deposits | 24.5259% | 8,118 |
| Total domestic deposits to total assets | 87.2976% | 2,069 |
| Equity capital to assets | 11.9971% | 2,263 |
| Core capital (leverage) ratio | 12.2055% | 1,812 |
| Tier 1 risk-based capital ratio | 44.1336% | 265 |
| Total risk-based capital ratio | 44.3450% | 272 |
| Memoranda: | ||
| Average total assets | $1,077,154,000 | 642 |
| Average earning assets | $1,052,323,500 | 602 |
| Average equity | $131,439,000 | 524 |
| Average total loans | $128,450,500 | 3,403 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3342% | 7,561 |
| Cost of funding earning assets | 3.8059% | 196 |
| Net interest margin | 1.5283% | 8,182 |
| Noninterest income to average assets | 0.0097% | 8,069 |
| Noninterest expense to average assets | 7.7464% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -6.4766% | 8,173 |
| Return on assets (ROA) | -6.4154% | 8,165 |
| Pretax return on assets | -6.1899% | 8,114 |
| Return on Equity (ROE) | -40.8314% | 8,085 |
| Retained earnings to average equity (ytd only) | -40.8314% | 8,056 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 518.0587% | 42 |
| Assets per employee ($millions) | 25.0836% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4752% | 7,880 |
| Loan loss allowance to noncurrent loans | 7.0193% | 7,534 |
| Noncurrent assets plus other real estate owned to assets | 0.8506% | 4,721 |
| Noncurrent loans to loans | 6.7696% | 466 |
| Net loans and leases to total assets | 12.5050% | 8,205 |
| Net loans and leases to deposits | 14.4082% | 8,217 |
| Net loans and leases to core deposits | 26.9656% | 8,172 |
| Total domestic deposits to total assets | 86.7911% | 2,040 |
| Equity capital to assets | 12.4169% | 2,054 |
| Core capital (leverage) ratio | 12.1660% | 1,896 |
| Tier 1 risk-based capital ratio | 44.2276% | 270 |
| Total risk-based capital ratio | 44.4406% | 282 |
| Memoranda: | ||
| Average total assets | $1,066,566,200 | 620 |
| Average earning assets | $1,036,778,600 | 584 |
| Average equity | $167,576,800 | 424 |
| Average total loans | $127,306,200 | 3,312 |