Home > Universal Bank > Performance and Condition Ratios
Universal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 1,532 |
| Cost of funding earning assets | 1.9632% | 972 |
| Net interest margin | 3.3130% | 2,601 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 3.1390% | 901 |
| Loan and lease loss provision to assets | -0.3500% | 4,577 |
| Net operating income to assets | 0.3883% | 3,897 |
| Return on assets (ROA) | 0.3883% | 3,885 |
| Pretax return on assets | 0.5055% | 3,795 |
| Return on Equity (ROE) | 2.1600% | 4,136 |
| Retained earnings to average equity (ytd only) | 2.1641% | 3,546 |
| Net charge-offs to loans | -0.0159% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 95.3441% | 272 |
| Assets per employee ($millions) | 7.2679% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1944% | 2,330 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 74.7200% | 1,272 |
| Net loans and leases to deposits | 108.6767% | 226 |
| Net loans and leases to core deposits | 143.2837% | 244 |
| Total domestic deposits to total assets | 68.7500% | 4,328 |
| Equity capital to assets | 17.4728% | 369 |
| Core capital (leverage) ratio | 17.3974% | 378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $354,887,800 | 2,178 |
| Average earning assets | $323,455,600 | 2,194 |
| Average equity | $63,674,200 | 1,334 |
| Average total loans | $276,413,600 | 1,890 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1689% | 1,510 |
| Cost of funding earning assets | 1.7401% | 1,109 |
| Net interest margin | 3.4288% | 2,398 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 3.1575% | 863 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1960% | 4,232 |
| Return on assets (ROA) | 0.1960% | 4,250 |
| Pretax return on assets | 0.2329% | 4,218 |
| Return on Equity (ROE) | 1.0900% | 4,307 |
| Retained earnings to average equity (ytd only) | 1.0851% | 3,934 |
| Net charge-offs to loans | -0.0160% | 4,073 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 93.1309% | 287 |
| Assets per employee ($millions) | 6.3281% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 837 |
| Loan loss allowance to noncurrent loans | 229,350.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 3,885 |
| Noncurrent loans to loans | 0.0007% | 3,834 |
| Net loans and leases to total assets | 75.4900% | 1,176 |
| Net loans and leases to deposits | 109.5888% | 211 |
| Net loans and leases to core deposits | 142.0469% | 199 |
| Total domestic deposits to total assets | 68.8900% | 4,350 |
| Equity capital to assets | 17.3234% | 377 |
| Core capital (leverage) ratio | 17.7925% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $350,944,250 | 2,194 |
| Average earning assets | $319,438,500 | 2,212 |
| Average equity | $63,401,500 | 1,333 |
| Average total loans | $275,441,000 | 1,895 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0375% | 1,496 |
| Cost of funding earning assets | 1.4851% | 1,268 |
| Net interest margin | 3.5524% | 2,148 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 3.2351% | 758 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2182% | 4,256 |
| Return on assets (ROA) | 0.2182% | 4,281 |
| Pretax return on assets | 0.2645% | 4,262 |
| Return on Equity (ROE) | 1.1900% | 4,354 |
| Retained earnings to average equity (ytd only) | 1.1904% | 3,879 |
| Net charge-offs to loans | -0.0154% | 4,052 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 92.4425% | 292 |
| Assets per employee ($millions) | 5.8800% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 910 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 81.8200% | 447 |
| Net loans and leases to deposits | 128.7517% | 58 |
| Net loans and leases to core deposits | 147.0431% | 155 |
| Total domestic deposits to total assets | 63.5500% | 4,460 |
| Equity capital to assets | 18.6254% | 321 |
| Core capital (leverage) ratio | 18.8343% | 307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $345,582,667 | 2,221 |
| Average earning assets | $313,924,333 | 2,238 |
| Average equity | $63,341,333 | 1,332 |
| Average total loans | $273,365,333 | 1,899 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0395% | 1,153 |
| Cost of funding earning assets | 1.2817% | 1,269 |
| Net interest margin | 3.7578% | 1,770 |
| Noninterest income to average assets | 0.2900% | 3,144 |
| Noninterest expense to average assets | 3.3577% | 646 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2737% | 4,282 |
| Return on assets (ROA) | 0.2737% | 4,251 |
| Pretax return on assets | 0.3438% | 4,213 |
| Return on Equity (ROE) | 1.5100% | 4,342 |
| Retained earnings to average equity (ytd only) | 1.5051% | 3,783 |
| Net charge-offs to loans | -0.0179% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.7114% | 333 |
| Assets per employee ($millions) | 6.2278% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 862 |
| Loan loss allowance to noncurrent loans | 228,350.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 3,945 |
| Noncurrent loans to loans | 0.0007% | 3,877 |
| Net loans and leases to total assets | 74.0500% | 1,196 |
| Net loans and leases to deposits | 118.0555% | 98 |
| Net loans and leases to core deposits | 136.5475% | 214 |
| Total domestic deposits to total assets | 62.7200% | 4,525 |
| Equity capital to assets | 17.5477% | 322 |
| Core capital (leverage) ratio | 17.5893% | 369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $347,854,500 | 2,244 |
| Average earning assets | $315,824,500 | 2,274 |
| Average equity | $63,252,000 | 1,342 |
| Average total loans | $268,244,500 | 1,933 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0421% | 1,609 |
| Cost of funding earning assets | 0.3310% | 2,624 |
| Net interest margin | 3.7111% | 1,353 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 3.2840% | 643 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2687% | 4,396 |
| Return on assets (ROA) | 0.2687% | 4,375 |
| Pretax return on assets | 0.3372% | 4,344 |
| Return on Equity (ROE) | 1.5100% | 4,432 |
| Retained earnings to average equity (ytd only) | 1.5087% | 4,099 |
| Net charge-offs to loans | -0.0175% | 4,018 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.6871% | 284 |
| Assets per employee ($millions) | 5.5750% | 3,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7221% | 775 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 77.7000% | 827 |
| Net loans and leases to deposits | 115.4834% | 102 |
| Net loans and leases to core deposits | 128.9185% | 242 |
| Total domestic deposits to total assets | 67.2800% | 4,514 |
| Equity capital to assets | 18.8703% | 256 |
| Core capital (leverage) ratio | 19.3593% | 281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $351,677,800 | 2,221 |
| Average earning assets | $321,788,400 | 2,229 |
| Average equity | $62,638,000 | 1,350 |
| Average total loans | $269,284,800 | 1,858 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 1,567 |
| Cost of funding earning assets | 0.2751% | 2,431 |
| Net interest margin | 3.5894% | 1,415 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 3.2695% | 619 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.1989% | 4,476 |
| Return on assets (ROA) | 0.1989% | 4,446 |
| Pretax return on assets | 0.2386% | 4,429 |
| Return on Equity (ROE) | 1.1300% | 4,482 |
| Retained earnings to average equity (ytd only) | 1.1325% | 4,192 |
| Net charge-offs to loans | -0.0187% | 3,975 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 93.1988% | 249 |
| Assets per employee ($millions) | 5.4164% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7563% | 793 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 78.2300% | 683 |
| Net loans and leases to deposits | 116.2160% | 73 |
| Net loans and leases to core deposits | 122.5287% | 221 |
| Total domestic deposits to total assets | 67.3200% | 4,571 |
| Equity capital to assets | 19.2853% | 235 |
| Core capital (leverage) ratio | 18.5165% | 293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $355,972,500 | 2,215 |
| Average earning assets | $326,657,250 | 2,219 |
| Average equity | $62,517,250 | 1,371 |
| Average total loans | $270,494,500 | 1,851 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 1,563 |
| Cost of funding earning assets | 0.2844% | 1,856 |
| Net interest margin | 3.4049% | 1,591 |
| Noninterest income to average assets | 0.1971% | 4,014 |
| Noninterest expense to average assets | 3.1307% | 697 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1753% | 4,454 |
| Return on assets (ROA) | 0.1753% | 4,417 |
| Pretax return on assets | 0.1977% | 4,415 |
| Return on Equity (ROE) | 1.0278% | 4,460 |
| Retained earnings to average equity (ytd only) | 1.0278% | 3,990 |
| Net charge-offs to loans | -0.0131% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0617% | 287 |
| Assets per employee ($millions) | 5.8487% | 2,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7092% | 944 |
| Loan loss allowance to noncurrent loans | 288.0331% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 1,264 |
| Noncurrent loans to loans | 0.5934% | 1,424 |
| Net loans and leases to total assets | 74.1514% | 903 |
| Net loans and leases to deposits | 105.6733% | 137 |
| Net loans and leases to core deposits | 113.1145% | 294 |
| Total domestic deposits to total assets | 70.1704% | 4,616 |
| Equity capital to assets | 17.8246% | 231 |
| Core capital (leverage) ratio | 17.3903% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $366,302,333 | 2,174 |
| Average earning assets | $336,866,000 | 2,197 |
| Average equity | $62,465,000 | 1,402 |
| Average total loans | $274,397,333 | 1,834 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5333% | 1,691 |
| Cost of funding earning assets | 0.3068% | 1,587 |
| Net interest margin | 3.2265% | 1,799 |
| Noninterest income to average assets | 0.1979% | 3,976 |
| Noninterest expense to average assets | 3.0439% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1155% | 4,445 |
| Return on assets (ROA) | 0.1155% | 4,414 |
| Pretax return on assets | 0.1230% | 4,417 |
| Return on Equity (ROE) | 0.6921% | 4,462 |
| Retained earnings to average equity (ytd only) | 0.6921% | 3,879 |
| Net charge-offs to loans | -0.0186% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1162% | 327 |
| Assets per employee ($millions) | 6.1773% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 1,183 |
| Loan loss allowance to noncurrent loans | 357.5949% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.3410% | 1,743 |
| Noncurrent loans to loans | 0.4576% | 1,881 |
| Net loans and leases to total assets | 73.3076% | 715 |
| Net loans and leases to deposits | 102.1171% | 141 |
| Net loans and leases to core deposits | 109.6372% | 268 |
| Total domestic deposits to total assets | 71.7878% | 4,635 |
| Equity capital to assets | 16.8529% | 275 |
| Core capital (leverage) ratio | 16.5990% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $373,993,500 | 2,155 |
| Average earning assets | $344,151,000 | 2,171 |
| Average equity | $62,422,500 | 1,440 |
| Average total loans | $279,227,500 | 1,797 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 1,878 |
| Cost of funding earning assets | 0.4941% | 961 |
| Net interest margin | 3.3020% | 2,311 |
| Noninterest income to average assets | 0.2107% | 4,110 |
| Noninterest expense to average assets | 2.8360% | 1,276 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3360% | 4,376 |
| Return on assets (ROA) | 0.3360% | 4,396 |
| Pretax return on assets | 0.4376% | 4,348 |
| Return on Equity (ROE) | 2.1499% | 4,485 |
| Retained earnings to average equity (ytd only) | 2.1499% | 3,942 |
| Net charge-offs to loans | -0.0619% | 4,423 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6337% | 436 |
| Assets per employee ($millions) | 6.6202% | 2,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 1,268 |
| Loan loss allowance to noncurrent loans | 147.9160% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 0.8075% | 742 |
| Noncurrent loans to loans | 1.0796% | 899 |
| Net loans and leases to total assets | 73.5983% | 695 |
| Net loans and leases to deposits | 102.0264% | 165 |
| Net loans and leases to core deposits | 109.7013% | 289 |
| Total domestic deposits to total assets | 72.1365% | 4,640 |
| Equity capital to assets | 16.5316% | 324 |
| Core capital (leverage) ratio | 16.3849% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $394,916,000 | 2,008 |
| Average earning assets | $366,318,200 | 2,016 |
| Average equity | $61,723,600 | 1,483 |
| Average total loans | $295,497,800 | 1,722 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7806% | 2,057 |
| Cost of funding earning assets | 0.5400% | 874 |
| Net interest margin | 3.2406% | 2,607 |
| Noninterest income to average assets | 0.2124% | 4,130 |
| Noninterest expense to average assets | 2.7807% | 1,388 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3399% | 4,453 |
| Return on assets (ROA) | 0.3399% | 4,487 |
| Pretax return on assets | 0.4434% | 4,434 |
| Return on Equity (ROE) | 2.2049% | 4,568 |
| Retained earnings to average equity (ytd only) | 2.2049% | 4,135 |
| Net charge-offs to loans | -0.0754% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2469% | 424 |
| Assets per employee ($millions) | 6.6184% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 1,515 |
| Loan loss allowance to noncurrent loans | 345.8814% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 2,089 |
| Noncurrent loans to loans | 0.4431% | 2,232 |
| Net loans and leases to total assets | 75.1973% | 600 |
| Net loans and leases to deposits | 102.9973% | 171 |
| Net loans and leases to core deposits | 110.3910% | 317 |
| Total domestic deposits to total assets | 73.0090% | 4,668 |
| Equity capital to assets | 16.1718% | 399 |
| Core capital (leverage) ratio | 15.9907% | 389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $399,307,500 | 2,010 |
| Average earning assets | $371,117,750 | 2,017 |
| Average equity | $61,559,000 | 1,503 |
| Average total loans | $298,814,750 | 1,741 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7779% | 2,124 |
| Cost of funding earning assets | 0.6208% | 669 |
| Net interest margin | 3.1571% | 2,881 |
| Noninterest income to average assets | 0.2275% | 4,037 |
| Noninterest expense to average assets | 2.7059% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3521% | 4,463 |
| Return on assets (ROA) | 0.3521% | 4,494 |
| Pretax return on assets | 0.4614% | 4,441 |
| Return on Equity (ROE) | 2.3197% | 4,564 |
| Retained earnings to average equity (ytd only) | 2.3197% | 4,046 |
| Net charge-offs to loans | -0.1024% | 4,635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4333% | 499 |
| Assets per employee ($millions) | 6.0353% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 1,503 |
| Loan loss allowance to noncurrent loans | 337.1988% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 2,239 |
| Noncurrent loans to loans | 0.4530% | 2,316 |
| Net loans and leases to total assets | 73.5904% | 804 |
| Net loans and leases to deposits | 99.6441% | 267 |
| Net loans and leases to core deposits | 106.5993% | 453 |
| Total domestic deposits to total assets | 73.8532% | 4,658 |
| Equity capital to assets | 15.7469% | 439 |
| Core capital (leverage) ratio | 15.5357% | 418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,455,000 | 1,987 |
| Average earning assets | $376,613,667 | 1,990 |
| Average equity | $61,386,000 | 1,497 |
| Average total loans | $300,703,333 | 1,740 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 2,527 |
| Cost of funding earning assets | 0.6940% | 561 |
| Net interest margin | 2.9434% | 3,395 |
| Noninterest income to average assets | 0.2611% | 3,833 |
| Noninterest expense to average assets | 2.6931% | 1,637 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2543% | 4,582 |
| Return on assets (ROA) | 0.2543% | 4,607 |
| Pretax return on assets | 0.3118% | 4,589 |
| Return on Equity (ROE) | 1.7061% | 4,639 |
| Retained earnings to average equity (ytd only) | 1.7061% | 4,074 |
| Net charge-offs to loans | -0.0355% | 4,246 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6239% | 380 |
| Assets per employee ($millions) | 6.0187% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4390% | 1,809 |
| Loan loss allowance to noncurrent loans | 323.9762% | 1,642 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 2,446 |
| Noncurrent loans to loans | 0.4442% | 2,523 |
| Net loans and leases to total assets | 75.0227% | 710 |
| Net loans and leases to deposits | 102.6484% | 226 |
| Net loans and leases to core deposits | 110.9362% | 385 |
| Total domestic deposits to total assets | 73.0871% | 4,699 |
| Equity capital to assets | 15.4354% | 447 |
| Core capital (leverage) ratio | 14.8592% | 504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $410,536,000 | 1,958 |
| Average earning assets | $382,688,500 | 1,963 |
| Average equity | $61,192,000 | 1,490 |
| Average total loans | $304,471,000 | 1,723 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 2,367 |
| Cost of funding earning assets | 0.9887% | 615 |
| Net interest margin | 3.1314% | 3,545 |
| Noninterest income to average assets | 0.2241% | 4,153 |
| Noninterest expense to average assets | 2.8606% | 1,786 |
| Loan and lease loss provision to assets | 0.0153% | 4,185 |
| Net operating income to assets | 0.2200% | 4,547 |
| Return on assets (ROA) | 0.2200% | 4,609 |
| Pretax return on assets | 0.2738% | 4,579 |
| Return on Equity (ROE) | 1.4982% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.4982% | 4,035 |
| Net charge-offs to loans | -0.0305% | 4,543 |
| Credit loss provision to net charge-offs | -64.2857% | 3,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8223% | 346 |
| Assets per employee ($millions) | 6.3259% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,932 |
| Loan loss allowance to noncurrent loans | 316.3131% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 2,706 |
| Noncurrent loans to loans | 0.4459% | 2,636 |
| Net loans and leases to total assets | 71.3129% | 1,387 |
| Net loans and leases to deposits | 96.8250% | 510 |
| Net loans and leases to core deposits | 105.4915% | 669 |
| Total domestic deposits to total assets | 73.6513% | 4,652 |
| Equity capital to assets | 14.4087% | 698 |
| Core capital (leverage) ratio | 14.3363% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $412,361,400 | 1,818 |
| Average earning assets | $385,255,200 | 1,814 |
| Average equity | $60,539,600 | 1,434 |
| Average total loans | $320,861,000 | 1,609 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2050% | 2,389 |
| Cost of funding earning assets | 1.0313% | 684 |
| Net interest margin | 3.1737% | 3,556 |
| Noninterest income to average assets | 0.2325% | 4,107 |
| Noninterest expense to average assets | 2.9375% | 1,595 |
| Loan and lease loss provision to assets | 0.0205% | 4,078 |
| Net operating income to assets | 0.1970% | 4,601 |
| Return on assets (ROA) | 0.1970% | 4,641 |
| Pretax return on assets | 0.2403% | 4,613 |
| Return on Equity (ROE) | 1.3353% | 4,651 |
| Retained earnings to average equity (ytd only) | 1.3353% | 4,138 |
| Net charge-offs to loans | -0.0386% | 4,606 |
| Credit loss provision to net charge-offs | -67.0213% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8457% | 317 |
| Assets per employee ($millions) | 6.3257% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 2,016 |
| Loan loss allowance to noncurrent loans | 1,416.3934% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 4,074 |
| Noncurrent loans to loans | 0.0943% | 3,989 |
| Net loans and leases to total assets | 75.2854% | 1,193 |
| Net loans and leases to deposits | 103.6928% | 395 |
| Net loans and leases to core deposits | 113.7920% | 566 |
| Total domestic deposits to total assets | 72.6043% | 4,663 |
| Equity capital to assets | 14.3370% | 775 |
| Core capital (leverage) ratio | 14.5721% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $409,493,000 | 1,809 |
| Average earning assets | $382,681,500 | 1,806 |
| Average equity | $60,407,250 | 1,429 |
| Average total loans | $324,433,000 | 1,591 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,713 |
| Cost of funding earning assets | 1.0758% | 779 |
| Net interest margin | 3.1380% | 3,816 |
| Noninterest income to average assets | 0.2496% | 3,975 |
| Noninterest expense to average assets | 2.9883% | 1,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.1651% | 4,617 |
| Return on assets (ROA) | 0.1651% | 4,655 |
| Pretax return on assets | 0.1947% | 4,637 |
| Return on Equity (ROE) | 1.1080% | 4,674 |
| Retained earnings to average equity (ytd only) | 1.1080% | 4,076 |
| Net charge-offs to loans | -0.0443% | 4,655 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8829% | 298 |
| Assets per employee ($millions) | 5.8330% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2842% | 2,082 |
| Loan loss allowance to noncurrent loans | 1,361.7363% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0762% | 4,143 |
| Noncurrent loans to loans | 0.0943% | 4,085 |
| Net loans and leases to total assets | 79.7325% | 620 |
| Net loans and leases to deposits | 111.2586% | 204 |
| Net loans and leases to core deposits | 124.2169% | 342 |
| Total domestic deposits to total assets | 71.6641% | 4,727 |
| Equity capital to assets | 14.8150% | 662 |
| Core capital (leverage) ratio | 14.7385% | 614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $404,717,667 | 1,800 |
| Average earning assets | $378,333,333 | 1,791 |
| Average equity | $60,288,667 | 1,425 |
| Average total loans | $324,779,333 | 1,573 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2484% | 3,075 |
| Cost of funding earning assets | 1.1594% | 882 |
| Net interest margin | 3.0890% | 4,121 |
| Noninterest income to average assets | 0.3117% | 3,646 |
| Noninterest expense to average assets | 3.0795% | 1,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.1092% | 4,647 |
| Return on assets (ROA) | 0.1092% | 4,646 |
| Pretax return on assets | 0.1152% | 4,648 |
| Return on Equity (ROE) | 0.7310% | 4,665 |
| Retained earnings to average equity (ytd only) | 0.7310% | 3,813 |
| Net charge-offs to loans | -0.0745% | 4,750 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3953% | 314 |
| Assets per employee ($millions) | 5.4735% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,067 |
| Loan loss allowance to noncurrent loans | 1,311.4907% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 4,190 |
| Noncurrent loans to loans | 0.1004% | 4,104 |
| Net loans and leases to total assets | 81.4136% | 517 |
| Net loans and leases to deposits | 108.4803% | 214 |
| Net loans and leases to core deposits | 121.0342% | 440 |
| Total domestic deposits to total assets | 75.0492% | 4,582 |
| Equity capital to assets | 15.5058% | 674 |
| Core capital (leverage) ratio | 15.5289% | 596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $402,922,000 | 1,760 |
| Average earning assets | $376,047,000 | 1,759 |
| Average equity | $60,187,500 | 1,414 |
| Average total loans | $322,274,000 | 1,552 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 3,882 |
| Cost of funding earning assets | 1.3615% | 630 |
| Net interest margin | 2.8088% | 4,754 |
| Noninterest income to average assets | 1.1106% | 773 |
| Noninterest expense to average assets | 2.8917% | 2,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6130% | 4,120 |
| Return on assets (ROA) | 0.6130% | 4,182 |
| Pretax return on assets | 0.8487% | 3,878 |
| Return on Equity (ROE) | 4.2449% | 4,407 |
| Retained earnings to average equity (ytd only) | 4.2449% | 2,834 |
| Net charge-offs to loans | -0.0383% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3087% | 1,232 |
| Assets per employee ($millions) | 5.8764% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 1,999 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0868% | 4,210 |
| Noncurrent loans to loans | 0.1117% | 4,080 |
| Net loans and leases to total assets | 76.6429% | 1,304 |
| Net loans and leases to deposits | 91.0207% | 1,480 |
| Net loans and leases to core deposits | 102.4854% | 1,360 |
| Total domestic deposits to total assets | 84.2038% | 2,787 |
| Equity capital to assets | 14.4087% | 962 |
| Core capital (leverage) ratio | 14.4107% | 826 |
| Tier 1 risk-based capital ratio | 21.6469% | 1,067 |
| Total risk-based capital ratio | 22.8999% | 1,038 |
| Memoranda: | ||
| Average total assets | $402,122,400 | 1,735 |
| Average earning assets | $376,495,400 | 1,724 |
| Average equity | $58,069,000 | 1,398 |
| Average total loans | $313,269,800 | 1,547 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2030% | 3,909 |
| Cost of funding earning assets | 1.3364% | 706 |
| Net interest margin | 2.8666% | 4,791 |
| Noninterest income to average assets | 0.2714% | 4,113 |
| Noninterest expense to average assets | 2.8601% | 2,376 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0777% | 5,033 |
| Return on assets (ROA) | 0.0777% | 5,046 |
| Pretax return on assets | 0.0951% | 5,039 |
| Return on Equity (ROE) | 0.5374% | 5,050 |
| Retained earnings to average equity (ytd only) | 0.5374% | 4,656 |
| Net charge-offs to loans | -0.0404% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7833% | 184 |
| Assets per employee ($millions) | 5.4932% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 1,990 |
| Loan loss allowance to noncurrent loans | 1,066.2371% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,233 |
| Noncurrent loans to loans | 0.1214% | 4,107 |
| Net loans and leases to total assets | 77.5999% | 1,207 |
| Net loans and leases to deposits | 92.0126% | 1,436 |
| Net loans and leases to core deposits | 112.7565% | 807 |
| Total domestic deposits to total assets | 84.3362% | 2,697 |
| Equity capital to assets | 14.2431% | 1,062 |
| Core capital (leverage) ratio | 14.4183% | 875 |
| Tier 1 risk-based capital ratio | 20.4916% | 1,289 |
| Total risk-based capital ratio | 21.7441% | 1,252 |
| Memoranda: | ||
| Average total assets | $398,346,250 | 1,759 |
| Average earning assets | $372,928,500 | 1,745 |
| Average equity | $57,557,000 | 1,409 |
| Average total loans | $310,602,750 | 1,572 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 3,995 |
| Cost of funding earning assets | 1.2753% | 802 |
| Net interest margin | 2.8939% | 4,828 |
| Noninterest income to average assets | 0.2250% | 4,399 |
| Noninterest expense to average assets | 2.8052% | 2,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.1218% | 5,046 |
| Return on assets (ROA) | 0.1218% | 5,056 |
| Pretax return on assets | 0.1592% | 5,045 |
| Return on Equity (ROE) | 0.8391% | 5,061 |
| Retained earnings to average equity (ytd only) | 0.8391% | 4,481 |
| Net charge-offs to loans | -0.0137% | 4,420 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6282% | 223 |
| Assets per employee ($millions) | 5.5216% | 1,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 2,112 |
| Loan loss allowance to noncurrent loans | 1,034.0967% | 575 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 4,267 |
| Noncurrent loans to loans | 0.1234% | 4,123 |
| Net loans and leases to total assets | 77.9907% | 1,218 |
| Net loans and leases to deposits | 92.5967% | 1,427 |
| Net loans and leases to core deposits | 115.9845% | 686 |
| Total domestic deposits to total assets | 84.2263% | 2,772 |
| Equity capital to assets | 14.3398% | 1,001 |
| Core capital (leverage) ratio | 14.4505% | 840 |
| Tier 1 risk-based capital ratio | 20.9268% | 1,187 |
| Total risk-based capital ratio | 22.1796% | 1,171 |
| Memoranda: | ||
| Average total assets | $395,628,670 | 1,776 |
| Average earning assets | $374,513,330 | 1,743 |
| Average equity | $57,443,330 | 1,408 |
| Average total loans | $307,610,330 | 1,584 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 4,214 |
| Cost of funding earning assets | 1.1736% | 981 |
| Net interest margin | 2.8952% | 4,883 |
| Noninterest income to average assets | 0.1582% | 4,789 |
| Noninterest expense to average assets | 2.9007% | 2,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.0051% | 5,145 |
| Return on assets (ROA) | 0.0051% | 5,148 |
| Pretax return on assets | -0.0031% | 5,144 |
| Return on Equity (ROE) | 0.0349% | 5,149 |
| Retained earnings to average equity (ytd only) | 0.0349% | 4,524 |
| Net charge-offs to loans | -0.0106% | 4,247 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1057% | 171 |
| Assets per employee ($millions) | 6.0887% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3541% | 1,851 |
| Loan loss allowance to noncurrent loans | 1,020.4030% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 4,314 |
| Noncurrent loans to loans | 0.1327% | 4,142 |
| Net loans and leases to total assets | 73.4400% | 1,908 |
| Net loans and leases to deposits | 87.1414% | 1,983 |
| Net loans and leases to core deposits | 109.8174% | 939 |
| Total domestic deposits to total assets | 84.2768% | 2,958 |
| Equity capital to assets | 14.2672% | 947 |
| Core capital (leverage) ratio | 14.7623% | 750 |
| Tier 1 risk-based capital ratio | 22.3359% | 1,011 |
| Total risk-based capital ratio | 23.5898% | 992 |
| Memoranda: | ||
| Average total assets | $391,905,500 | 1,801 |
| Average earning assets | $370,820,500 | 1,765 |
| Average equity | $57,265,000 | 1,413 |
| Average total loans | $302,203,000 | 1,622 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2544% | 3,262 |
| Cost of funding earning assets | 0.7543% | 1,765 |
| Net interest margin | 3.5001% | 3,703 |
| Noninterest income to average assets | 0.3464% | 3,795 |
| Noninterest expense to average assets | 2.9296% | 2,244 |
| Loan and lease loss provision to assets | -0.4303% | 5,378 |
| Net operating income to assets | 0.8426% | 3,633 |
| Return on assets (ROA) | 0.8426% | 3,632 |
| Pretax return on assets | 1.1742% | 2,990 |
| Return on Equity (ROE) | 5.6062% | 4,288 |
| Retained earnings to average equity (ytd only) | 5.6062% | 2,409 |
| Net charge-offs to loans | -0.0637% | 5,039 |
| Credit loss provision to net charge-offs | 837.6963% | 429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7496% | 982 |
| Assets per employee ($millions) | 5.7009% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 1,928 |
| Loan loss allowance to noncurrent loans | 7,775.0000% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,830 |
| Noncurrent loans to loans | 0.0170% | 4,719 |
| Net loans and leases to total assets | 78.8545% | 1,129 |
| Net loans and leases to deposits | 94.4543% | 1,231 |
| Net loans and leases to core deposits | 117.0410% | 648 |
| Total domestic deposits to total assets | 83.4843% | 3,164 |
| Equity capital to assets | 14.9747% | 717 |
| Core capital (leverage) ratio | 15.2298% | 640 |
| Tier 1 risk-based capital ratio | 22.8697% | 934 |
| Total risk-based capital ratio | 24.1240% | 900 |
| Memoranda: | ||
| Average total assets | $371,820,600 | 1,822 |
| Average earning assets | $353,448,000 | 1,794 |
| Average equity | $55,884,600 | 1,401 |
| Average total loans | $299,807,400 | 1,598 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 3,165 |
| Cost of funding earning assets | 0.6827% | 1,962 |
| Net interest margin | 3.5618% | 3,489 |
| Noninterest income to average assets | 0.4051% | 3,451 |
| Noninterest expense to average assets | 2.9353% | 2,212 |
| Loan and lease loss provision to assets | -0.5777% | 5,458 |
| Net operating income to assets | 1.0290% | 2,971 |
| Return on assets (ROA) | 1.0290% | 2,982 |
| Pretax return on assets | 1.4399% | 2,088 |
| Return on Equity (ROE) | 6.8397% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.8397% | 2,212 |
| Net charge-offs to loans | -0.0804% | 5,096 |
| Credit loss provision to net charge-offs | 888.8889% | 449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2961% | 1,199 |
| Assets per employee ($millions) | 5.6204% | 1,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 1,817 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,925 |
| Noncurrent loans to loans | 0.0190% | 4,824 |
| Net loans and leases to total assets | 78.2272% | 1,312 |
| Net loans and leases to deposits | 93.6295% | 1,416 |
| Net loans and leases to core deposits | 114.3786% | 797 |
| Total domestic deposits to total assets | 83.5498% | 3,101 |
| Equity capital to assets | 15.3226% | 656 |
| Core capital (leverage) ratio | 15.7408% | 562 |
| Tier 1 risk-based capital ratio | 24.0896% | 834 |
| Total risk-based capital ratio | 25.3450% | 813 |
| Memoranda: | ||
| Average total assets | $369,286,250 | 1,839 |
| Average earning assets | $351,727,750 | 1,806 |
| Average equity | $55,556,500 | 1,411 |
| Average total loans | $298,450,750 | 1,610 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2262% | 3,031 |
| Cost of funding earning assets | 0.6465% | 1,944 |
| Net interest margin | 3.5797% | 3,386 |
| Noninterest income to average assets | 0.4958% | 2,886 |
| Noninterest expense to average assets | 3.0114% | 2,012 |
| Loan and lease loss provision to assets | -0.8678% | 5,532 |
| Net operating income to assets | 1.2557% | 1,961 |
| Return on assets (ROA) | 1.2557% | 1,959 |
| Pretax return on assets | 1.7612% | 1,070 |
| Return on Equity (ROE) | 8.3985% | 3,314 |
| Retained earnings to average equity (ytd only) | 8.3985% | 1,449 |
| Net charge-offs to loans | -0.1087% | 5,190 |
| Credit loss provision to net charge-offs | 981.5951% | 415 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1218% | 1,297 |
| Assets per employee ($millions) | 5.3654% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3355% | 2,008 |
| Loan loss allowance to noncurrent loans | 6,581.9672% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 4,951 |
| Noncurrent loans to loans | 0.0203% | 4,846 |
| Net loans and leases to total assets | 81.3000% | 807 |
| Net loans and leases to deposits | 97.5095% | 995 |
| Net loans and leases to core deposits | 116.4483% | 693 |
| Total domestic deposits to total assets | 83.3765% | 3,295 |
| Equity capital to assets | 15.4639% | 599 |
| Core capital (leverage) ratio | 15.6765% | 543 |
| Tier 1 risk-based capital ratio | 23.0177% | 933 |
| Total risk-based capital ratio | 24.2723% | 917 |
| Memoranda: | ||
| Average total assets | $368,732,000 | 1,849 |
| Average earning assets | $351,146,330 | 1,818 |
| Average equity | $55,129,000 | 1,421 |
| Average total loans | $299,862,670 | 1,605 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,070 |
| Cost of funding earning assets | 0.6272% | 1,867 |
| Net interest margin | 3.2266% | 4,383 |
| Noninterest income to average assets | 0.7953% | 1,471 |
| Noninterest expense to average assets | 3.1025% | 1,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5514% | 4,569 |
| Return on assets (ROA) | 0.5514% | 4,572 |
| Pretax return on assets | 0.7629% | 4,248 |
| Return on Equity (ROE) | 3.7516% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.7516% | 3,694 |
| Net charge-offs to loans | -0.0454% | 4,929 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2624% | 1,105 |
| Assets per employee ($millions) | 5.3911% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8449% | 719 |
| Loan loss allowance to noncurrent loans | 1,374.9373% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,549 |
| Noncurrent loans to loans | 0.1342% | 4,365 |
| Net loans and leases to total assets | 79.6197% | 992 |
| Net loans and leases to deposits | 94.9061% | 1,143 |
| Net loans and leases to core deposits | 112.0155% | 892 |
| Total domestic deposits to total assets | 83.8931% | 3,373 |
| Equity capital to assets | 14.9034% | 695 |
| Core capital (leverage) ratio | 15.0033% | 657 |
| Tier 1 risk-based capital ratio | 22.5457% | 987 |
| Total risk-based capital ratio | 23.8079% | 966 |
| Memoranda: | ||
| Average total assets | $370,673,000 | 1,854 |
| Average earning assets | $352,697,500 | 1,824 |
| Average equity | $54,483,500 | 1,437 |
| Average total loans | $299,475,000 | 1,604 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 4,234 |
| Cost of funding earning assets | 0.5398% | 2,034 |
| Net interest margin | 3.2044% | 4,438 |
| Noninterest income to average assets | 0.1333% | 5,278 |
| Noninterest expense to average assets | 2.9110% | 2,414 |
| Loan and lease loss provision to assets | -0.9029% | 5,665 |
| Net operating income to assets | 0.4788% | 4,429 |
| Return on assets (ROA) | 0.4788% | 4,468 |
| Pretax return on assets | 1.1659% | 2,916 |
| Return on Equity (ROE) | 3.2719% | 4,755 |
| Retained earnings to average equity (ytd only) | 3.2719% | 3,344 |
| Net charge-offs to loans | -0.4227% | 5,596 |
| Credit loss provision to net charge-offs | 271.1586% | 1,034 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7155% | 358 |
| Assets per employee ($millions) | 5.2782% | 2,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8078% | 771 |
| Loan loss allowance to noncurrent loans | 7,269.3333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 5,057 |
| Noncurrent loans to loans | 0.0249% | 4,905 |
| Net loans and leases to total assets | 79.0205% | 1,117 |
| Net loans and leases to deposits | 93.5235% | 1,327 |
| Net loans and leases to core deposits | 107.6856% | 1,158 |
| Total domestic deposits to total assets | 84.4927% | 3,038 |
| Equity capital to assets | 14.4981% | 778 |
| Core capital (leverage) ratio | 14.6288% | 702 |
| Tier 1 risk-based capital ratio | 21.1760% | 1,115 |
| Total risk-based capital ratio | 22.4368% | 1,092 |
| Memoranda: | ||
| Average total assets | $365,475,400 | 1,848 |
| Average earning assets | $346,805,800 | 1,811 |
| Average equity | $53,486,200 | 1,441 |
| Average total loans | $287,880,200 | 1,617 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7531% | 4,169 |
| Cost of funding earning assets | 0.5100% | 2,188 |
| Net interest margin | 3.2431% | 4,346 |
| Noninterest income to average assets | 0.1362% | 5,326 |
| Noninterest expense to average assets | 2.8898% | 2,448 |
| Loan and lease loss provision to assets | -1.2116% | 5,734 |
| Net operating income to assets | 0.9245% | 2,904 |
| Return on assets (ROA) | 0.9245% | 2,964 |
| Pretax return on assets | 1.5328% | 1,656 |
| Return on Equity (ROE) | 6.3018% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.3018% | 2,056 |
| Net charge-offs to loans | -0.3145% | 5,610 |
| Credit loss provision to net charge-offs | 491.8033% | 655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9954% | 408 |
| Assets per employee ($millions) | 5.6080% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 1,033 |
| Loan loss allowance to noncurrent loans | 3,292.6174% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 5,043 |
| Noncurrent loans to loans | 0.0517% | 4,878 |
| Net loans and leases to total assets | 73.2315% | 2,054 |
| Net loans and leases to deposits | 89.2221% | 1,902 |
| Net loans and leases to core deposits | 101.9815% | 1,548 |
| Total domestic deposits to total assets | 82.0778% | 3,754 |
| Equity capital to assets | 14.2334% | 930 |
| Core capital (leverage) ratio | 14.8977% | 681 |
| Tier 1 risk-based capital ratio | 22.1436% | 1,033 |
| Total risk-based capital ratio | 23.4033% | 1,012 |
| Memoranda: | ||
| Average total assets | $363,156,250 | 1,868 |
| Average earning assets | $344,312,500 | 1,838 |
| Average equity | $53,274,750 | 1,452 |
| Average total loans | $284,454,500 | 1,643 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7407% | 4,101 |
| Cost of funding earning assets | 0.4790% | 2,335 |
| Net interest margin | 3.2617% | 4,233 |
| Noninterest income to average assets | 0.1486% | 5,320 |
| Noninterest expense to average assets | 2.9103% | 2,392 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2083% | 5,382 |
| Return on assets (ROA) | 0.2083% | 5,398 |
| Pretax return on assets | 0.3243% | 5,304 |
| Return on Equity (ROE) | 1.4049% | 5,426 |
| Retained earnings to average equity (ytd only) | 1.4049% | 4,686 |
| Net charge-offs to loans | -0.0254% | 4,878 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9739% | 456 |
| Assets per employee ($millions) | 5.2095% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6367% | 242 |
| Loan loss allowance to noncurrent loans | 2,532.1070% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 4,868 |
| Noncurrent loans to loans | 0.1041% | 4,714 |
| Net loans and leases to total assets | 76.6628% | 1,436 |
| Net loans and leases to deposits | 93.9743% | 1,262 |
| Net loans and leases to core deposits | 102.6763% | 1,458 |
| Total domestic deposits to total assets | 81.5785% | 4,021 |
| Equity capital to assets | 14.5182% | 819 |
| Core capital (leverage) ratio | 14.9938% | 625 |
| Tier 1 risk-based capital ratio | 20.9375% | 1,198 |
| Total risk-based capital ratio | 22.2102% | 1,163 |
| Memoranda: | ||
| Average total assets | $355,223,330 | 1,901 |
| Average earning assets | $336,084,000 | 1,876 |
| Average equity | $52,674,000 | 1,471 |
| Average total loans | $283,179,670 | 1,649 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7440% | 3,956 |
| Cost of funding earning assets | 0.4538% | 2,495 |
| Net interest margin | 3.2902% | 4,041 |
| Noninterest income to average assets | 0.1484% | 5,373 |
| Noninterest expense to average assets | 2.9763% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1837% | 5,421 |
| Return on assets (ROA) | 0.1837% | 5,432 |
| Pretax return on assets | 0.2830% | 5,336 |
| Return on Equity (ROE) | 1.2257% | 5,456 |
| Retained earnings to average equity (ytd only) | 1.2257% | 4,586 |
| Net charge-offs to loans | -0.0213% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3165% | 487 |
| Assets per employee ($millions) | 4.9130% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6499% | 267 |
| Loan loss allowance to noncurrent loans | 2,404.4586% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0900% | 4,913 |
| Noncurrent loans to loans | 0.1102% | 4,752 |
| Net loans and leases to total assets | 79.5145% | 896 |
| Net loans and leases to deposits | 98.2902% | 748 |
| Net loans and leases to core deposits | 105.7289% | 1,119 |
| Total domestic deposits to total assets | 80.8977% | 4,435 |
| Equity capital to assets | 15.0859% | 640 |
| Core capital (leverage) ratio | 15.2006% | 568 |
| Tier 1 risk-based capital ratio | 21.0958% | 1,211 |
| Total risk-based capital ratio | 22.3689% | 1,185 |
| Memoranda: | ||
| Average total assets | $350,501,500 | 1,931 |
| Average earning assets | $331,410,000 | 1,903 |
| Average equity | $52,539,500 | 1,470 |
| Average total loans | $281,202,000 | 1,668 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8289% | 3,812 |
| Cost of funding earning assets | 0.4343% | 2,662 |
| Net interest margin | 3.3946% | 3,842 |
| Noninterest income to average assets | 0.3144% | 4,485 |
| Noninterest expense to average assets | 3.0075% | 2,329 |
| Loan and lease loss provision to assets | -0.2876% | 5,836 |
| Net operating income to assets | 2.1578% | 241 |
| Return on assets (ROA) | 2.1578% | 251 |
| Pretax return on assets | 0.8338% | 4,073 |
| Return on Equity (ROE) | 15.5102% | 562 |
| Retained earnings to average equity (ytd only) | 15.5102% | 97 |
| Net charge-offs to loans | -0.2000% | 5,743 |
| Credit loss provision to net charge-offs | 178.5714% | 1,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6297% | 951 |
| Assets per employee ($millions) | 4.7592% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7154% | 247 |
| Loan loss allowance to noncurrent loans | 2,304.2813% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 4,957 |
| Noncurrent loans to loans | 0.1178% | 4,763 |
| Net loans and leases to total assets | 76.6523% | 1,415 |
| Net loans and leases to deposits | 94.4513% | 1,152 |
| Net loans and leases to core deposits | 101.6806% | 1,469 |
| Total domestic deposits to total assets | 81.1554% | 4,299 |
| Equity capital to assets | 14.8946% | 655 |
| Core capital (leverage) ratio | 14.8553% | 623 |
| Tier 1 risk-based capital ratio | 22.1050% | 1,064 |
| Total risk-based capital ratio | 23.3808% | 1,035 |
| Memoranda: | ||
| Average total assets | $347,666,000 | 1,910 |
| Average earning assets | $331,763,600 | 1,864 |
| Average equity | $48,368,200 | 1,568 |
| Average total loans | $279,974,000 | 1,619 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7862% | 3,961 |
| Cost of funding earning assets | 0.4276% | 2,758 |
| Net interest margin | 3.3586% | 4,004 |
| Noninterest income to average assets | 0.3717% | 4,118 |
| Noninterest expense to average assets | 3.0557% | 2,138 |
| Loan and lease loss provision to assets | -0.3847% | 5,932 |
| Net operating income to assets | 2.7613% | 109 |
| Return on assets (ROA) | 2.7613% | 113 |
| Pretax return on assets | 0.9134% | 3,931 |
| Return on Equity (ROE) | 20.2109% | 230 |
| Retained earnings to average equity (ytd only) | 20.2109% | 56 |
| Net charge-offs to loans | -0.1083% | 5,603 |
| Credit loss provision to net charge-offs | 438.5965% | 786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2512% | 879 |
| Assets per employee ($millions) | 4.9421% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5629% | 312 |
| Loan loss allowance to noncurrent loans | 982.6739% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 4,609 |
| Noncurrent loans to loans | 0.2608% | 4,329 |
| Net loans and leases to total assets | 76.9603% | 1,371 |
| Net loans and leases to deposits | 97.9046% | 862 |
| Net loans and leases to core deposits | 105.3379% | 1,249 |
| Total domestic deposits to total assets | 78.6074% | 4,807 |
| Equity capital to assets | 14.7305% | 808 |
| Core capital (leverage) ratio | 14.8127% | 667 |
| Tier 1 risk-based capital ratio | 22.2645% | 1,100 |
| Total risk-based capital ratio | 23.5390% | 1,081 |
| Memoranda: | ||
| Average total assets | $346,537,250 | 1,920 |
| Average earning assets | $331,475,750 | 1,869 |
| Average equity | $47,346,250 | 1,604 |
| Average total loans | $280,595,000 | 1,613 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8260% | 3,866 |
| Cost of funding earning assets | 0.4224% | 2,812 |
| Net interest margin | 3.4036% | 3,879 |
| Noninterest income to average assets | 0.4915% | 3,256 |
| Noninterest expense to average assets | 3.1796% | 1,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5777% | 4,365 |
| Return on assets (ROA) | 0.5777% | 4,486 |
| Pretax return on assets | 0.5777% | 4,949 |
| Return on Equity (ROE) | 4.3455% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.3455% | 3,152 |
| Net charge-offs to loans | -0.1512% | 5,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6249% | 996 |
| Assets per employee ($millions) | 4.7049% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9804% | 201 |
| Loan loss allowance to noncurrent loans | 1,079.0301% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.2192% | 4,616 |
| Noncurrent loans to loans | 0.2762% | 4,377 |
| Net loans and leases to total assets | 76.9782% | 1,340 |
| Net loans and leases to deposits | 96.2161% | 1,060 |
| Net loans and leases to core deposits | 103.4344% | 1,369 |
| Total domestic deposits to total assets | 80.0056% | 4,546 |
| Equity capital to assets | 13.2772% | 1,338 |
| Core capital (leverage) ratio | 13.2254% | 1,079 |
| Tier 1 risk-based capital ratio | 20.7906% | 1,296 |
| Total risk-based capital ratio | 22.0706% | 1,274 |
| Memoranda: | ||
| Average total assets | $343,438,670 | 1,942 |
| Average earning assets | $329,535,000 | 1,881 |
| Average equity | $45,656,330 | 1,661 |
| Average total loans | $280,442,330 | 1,617 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 3,547 |
| Cost of funding earning assets | 0.4097% | 2,967 |
| Net interest margin | 3.5026% | 3,469 |
| Noninterest income to average assets | 0.1513% | 5,583 |
| Noninterest expense to average assets | 3.1864% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3237% | 5,230 |
| Return on assets (ROA) | 0.3237% | 5,314 |
| Pretax return on assets | 0.3237% | 5,464 |
| Return on Equity (ROE) | 2.4332% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.4332% | 4,285 |
| Net charge-offs to loans | -0.0368% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7785% | 619 |
| Assets per employee ($millions) | 4.6603% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8173% | 269 |
| Loan loss allowance to noncurrent loans | 964.8681% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2418% | 4,589 |
| Noncurrent loans to loans | 0.2920% | 4,389 |
| Net loans and leases to total assets | 80.4903% | 749 |
| Net loans and leases to deposits | 100.7141% | 584 |
| Net loans and leases to core deposits | 107.5684% | 987 |
| Total domestic deposits to total assets | 79.9196% | 4,764 |
| Equity capital to assets | 13.1964% | 1,321 |
| Core capital (leverage) ratio | 13.3463% | 1,041 |
| Tier 1 risk-based capital ratio | 19.8881% | 1,529 |
| Total risk-based capital ratio | 21.1660% | 1,487 |
| Memoranda: | ||
| Average total assets | $341,077,000 | 1,961 |
| Average earning assets | $327,071,000 | 1,899 |
| Average equity | $45,371,500 | 1,665 |
| Average total loans | $282,542,500 | 1,605 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9467% | 3,539 |
| Cost of funding earning assets | 0.3538% | 3,661 |
| Net interest margin | 3.5928% | 3,166 |
| Noninterest income to average assets | 0.1679% | 5,576 |
| Noninterest expense to average assets | 2.9737% | 2,631 |
| Loan and lease loss provision to assets | -0.6085% | 6,147 |
| Net operating income to assets | 1.2410% | 1,414 |
| Return on assets (ROA) | 1.2410% | 1,468 |
| Pretax return on assets | 1.2410% | 2,500 |
| Return on Equity (ROE) | 9.4250% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.4250% | 553 |
| Net charge-offs to loans | -0.0412% | 5,503 |
| Credit loss provision to net charge-offs | 1,769.9115% | 195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4601% | 1,348 |
| Assets per employee ($millions) | 4.4381% | 3,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8702% | 264 |
| Loan loss allowance to noncurrent loans | 546.3896% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.4352% | 3,873 |
| Noncurrent loans to loans | 0.5253% | 3,591 |
| Net loans and leases to total assets | 80.4753% | 775 |
| Net loans and leases to deposits | 101.0611% | 604 |
| Net loans and leases to core deposits | 105.5255% | 1,128 |
| Total domestic deposits to total assets | 79.6303% | 4,834 |
| Equity capital to assets | 13.4108% | 1,160 |
| Core capital (leverage) ratio | 13.4461% | 990 |
| Tier 1 risk-based capital ratio | 20.0625% | 1,476 |
| Total risk-based capital ratio | 21.3408% | 1,445 |
| Memoranda: | ||
| Average total assets | $328,686,800 | 1,999 |
| Average earning assets | $314,543,200 | 1,929 |
| Average equity | $43,278,400 | 1,696 |
| Average total loans | $274,306,400 | 1,595 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 3,578 |
| Cost of funding earning assets | 0.3461% | 3,796 |
| Net interest margin | 3.5960% | 3,179 |
| Noninterest income to average assets | 0.1303% | 5,826 |
| Noninterest expense to average assets | 2.9946% | 2,545 |
| Loan and lease loss provision to assets | -0.8166% | 6,253 |
| Net operating income to assets | 1.3928% | 1,124 |
| Return on assets (ROA) | 1.3928% | 1,175 |
| Pretax return on assets | 1.3928% | 2,046 |
| Return on Equity (ROE) | 10.6285% | 1,851 |
| Retained earnings to average equity (ytd only) | 10.6285% | 531 |
| Net charge-offs to loans | -0.0464% | 5,519 |
| Credit loss provision to net charge-offs | 2,105.2632% | 179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8651% | 1,189 |
| Assets per employee ($millions) | 4.5853% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7569% | 316 |
| Loan loss allowance to noncurrent loans | 887.2506% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.2695% | 4,687 |
| Noncurrent loans to loans | 0.3107% | 4,489 |
| Net loans and leases to total assets | 84.3344% | 363 |
| Net loans and leases to deposits | 105.8841% | 369 |
| Net loans and leases to core deposits | 110.5754% | 845 |
| Total domestic deposits to total assets | 79.6478% | 4,815 |
| Equity capital to assets | 13.3142% | 1,302 |
| Core capital (leverage) ratio | 13.4414% | 1,041 |
| Tier 1 risk-based capital ratio | 18.4864% | 1,900 |
| Total risk-based capital ratio | 19.7619% | 1,860 |
| Memoranda: | ||
| Average total assets | $326,534,750 | 2,028 |
| Average earning assets | $312,416,500 | 1,952 |
| Average equity | $42,789,500 | 1,722 |
| Average total loans | $273,018,000 | 1,610 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8400% | 3,919 |
| Cost of funding earning assets | 0.3379% | 3,950 |
| Net interest margin | 3.5020% | 3,485 |
| Noninterest income to average assets | 0.1309% | 5,900 |
| Noninterest expense to average assets | 3.0000% | 2,550 |
| Loan and lease loss provision to assets | -0.6177% | 6,291 |
| Net operating income to assets | 1.0963% | 1,968 |
| Return on assets (ROA) | 1.0963% | 2,061 |
| Pretax return on assets | 1.0963% | 3,188 |
| Return on Equity (ROE) | 8.4129% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.4129% | 1,115 |
| Net charge-offs to loans | -0.0225% | 5,210 |
| Credit loss provision to net charge-offs | 3,333.3333% | 125 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2393% | 1,041 |
| Assets per employee ($millions) | 4.4164% | 3,118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2197% | 215 |
| Loan loss allowance to noncurrent loans | 452.7862% | 1,115 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 3,606 |
| Noncurrent loans to loans | 0.7111% | 3,358 |
| Net loans and leases to total assets | 82.2087% | 532 |
| Net loans and leases to deposits | 103.1256% | 493 |
| Net loans and leases to core deposits | 107.3075% | 1,003 |
| Total domestic deposits to total assets | 79.7171% | 4,925 |
| Equity capital to assets | 13.1357% | 1,332 |
| Core capital (leverage) ratio | 13.0652% | 1,140 |
| Tier 1 risk-based capital ratio | 18.1941% | 2,009 |
| Total risk-based capital ratio | 19.4757% | 1,966 |
| Memoranda: | ||
| Average total assets | $323,804,330 | 2,055 |
| Average earning assets | $309,535,000 | 1,981 |
| Average equity | $42,197,330 | 1,754 |
| Average total loans | $267,260,000 | 1,644 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8249% | 3,908 |
| Cost of funding earning assets | 0.3263% | 4,147 |
| Net interest margin | 3.4986% | 3,444 |
| Noninterest income to average assets | 0.1440% | 5,883 |
| Noninterest expense to average assets | 3.0456% | 2,435 |
| Loan and lease loss provision to assets | -1.2411% | 6,389 |
| Net operating income to assets | 1.6792% | 619 |
| Return on assets (ROA) | 1.6792% | 646 |
| Pretax return on assets | 1.6792% | 1,093 |
| Return on Equity (ROE) | 12.9376% | 1,109 |
| Retained earnings to average equity (ytd only) | 12.9376% | 454 |
| Net charge-offs to loans | -0.0244% | 5,140 |
| Credit loss provision to net charge-offs | 6,250.0000% | 60 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4243% | 1,062 |
| Assets per employee ($millions) | 4.2568% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4263% | 193 |
| Loan loss allowance to noncurrent loans | 368.4558% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 3,275 |
| Noncurrent loans to loans | 0.9299% | 2,920 |
| Net loans and leases to total assets | 76.7399% | 1,092 |
| Net loans and leases to deposits | 96.0240% | 828 |
| Net loans and leases to core deposits | 99.5539% | 1,350 |
| Total domestic deposits to total assets | 79.9174% | 5,066 |
| Equity capital to assets | 12.9688% | 1,420 |
| Core capital (leverage) ratio | 13.1277% | 1,113 |
| Tier 1 risk-based capital ratio | 18.5068% | 2,004 |
| Total risk-based capital ratio | 19.7894% | 1,944 |
| Memoranda: | ||
| Average total assets | $322,300,500 | 2,074 |
| Average earning assets | $307,665,500 | 2,004 |
| Average equity | $41,831,500 | 1,769 |
| Average total loans | $262,087,000 | 1,672 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9161% | 4,065 |
| Cost of funding earning assets | 0.3249% | 4,537 |
| Net interest margin | 3.5912% | 3,445 |
| Noninterest income to average assets | 0.1463% | 5,964 |
| Noninterest expense to average assets | 3.2215% | 2,161 |
| Loan and lease loss provision to assets | -0.1413% | 6,218 |
| Net operating income to assets | 0.4892% | 4,851 |
| Return on assets (ROA) | 0.4892% | 4,939 |
| Pretax return on assets | 0.4895% | 5,278 |
| Return on Equity (ROE) | 3.8399% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.8399% | 3,483 |
| Net charge-offs to loans | -0.2149% | 6,277 |
| Credit loss provision to net charge-offs | 81.8681% | 2,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2443% | 828 |
| Assets per employee ($millions) | 4.2244% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7570% | 155 |
| Loan loss allowance to noncurrent loans | 388.7015% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.8045% | 3,193 |
| Noncurrent loans to loans | 0.9666% | 2,907 |
| Net loans and leases to total assets | 80.1095% | 729 |
| Net loans and leases to deposits | 100.5698% | 592 |
| Net loans and leases to core deposits | 104.2298% | 1,115 |
| Total domestic deposits to total assets | 79.6556% | 5,108 |
| Equity capital to assets | 12.9897% | 1,378 |
| Core capital (leverage) ratio | 12.9897% | 1,145 |
| Tier 1 risk-based capital ratio | 17.6056% | 2,276 |
| Total risk-based capital ratio | 18.8924% | 2,234 |
| Memoranda: | ||
| Average total assets | $316,439,000 | 2,055 |
| Average earning assets | $301,651,800 | 1,990 |
| Average equity | $40,314,000 | 1,766 |
| Average total loans | $254,048,600 | 1,668 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8515% | 4,367 |
| Cost of funding earning assets | 0.3207% | 4,666 |
| Net interest margin | 3.5308% | 3,710 |
| Noninterest income to average assets | 0.1404% | 6,076 |
| Noninterest expense to average assets | 3.2378% | 2,064 |
| Loan and lease loss provision to assets | -0.1888% | 6,380 |
| Net operating income to assets | 0.4594% | 5,034 |
| Return on assets (ROA) | 0.4594% | 5,111 |
| Pretax return on assets | 0.4598% | 5,434 |
| Return on Equity (ROE) | 3.6239% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.6239% | 4,072 |
| Net charge-offs to loans | -0.2835% | 6,379 |
| Credit loss provision to net charge-offs | 83.7383% | 2,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2763% | 692 |
| Assets per employee ($millions) | 4.1207% | 3,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6659% | 204 |
| Loan loss allowance to noncurrent loans | 347.1063% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.8870% | 3,218 |
| Noncurrent loans to loans | 1.0561% | 2,960 |
| Net loans and leases to total assets | 80.9082% | 623 |
| Net loans and leases to deposits | 101.1415% | 552 |
| Net loans and leases to core deposits | 104.8475% | 1,042 |
| Total domestic deposits to total assets | 79.9951% | 5,101 |
| Equity capital to assets | 12.6623% | 1,602 |
| Core capital (leverage) ratio | 12.6623% | 1,326 |
| Tier 1 risk-based capital ratio | 16.7274% | 2,713 |
| Total risk-based capital ratio | 18.0122% | 2,649 |
| Memoranda: | ||
| Average total assets | $316,341,500 | 2,073 |
| Average earning assets | $301,794,250 | 2,003 |
| Average equity | $40,103,750 | 1,786 |
| Average total loans | $251,631,250 | 1,687 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8682% | 4,268 |
| Cost of funding earning assets | 0.3150% | 4,827 |
| Net interest margin | 3.5531% | 3,559 |
| Noninterest income to average assets | 0.1506% | 6,053 |
| Noninterest expense to average assets | 3.3580% | 1,788 |
| Loan and lease loss provision to assets | -0.2848% | 6,523 |
| Net operating income to assets | 0.4608% | 4,968 |
| Return on assets (ROA) | 0.4608% | 5,037 |
| Pretax return on assets | 0.4615% | 5,386 |
| Return on Equity (ROE) | 3.6336% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.6336% | 3,878 |
| Net charge-offs to loans | -0.3967% | 6,484 |
| Credit loss provision to net charge-offs | 91.9918% | 2,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0009% | 600 |
| Assets per employee ($millions) | 3.9464% | 3,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9301% | 179 |
| Loan loss allowance to noncurrent loans | 315.2369% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 1.4849% | 2,197 |
| Noncurrent loans to loans | 1.2467% | 2,732 |
| Net loans and leases to total assets | 76.2498% | 1,132 |
| Net loans and leases to deposits | 91.9691% | 1,153 |
| Net loans and leases to core deposits | 95.1532% | 1,673 |
| Total domestic deposits to total assets | 82.9080% | 4,338 |
| Equity capital to assets | 12.7748% | 1,503 |
| Core capital (leverage) ratio | 12.7748% | 1,250 |
| Tier 1 risk-based capital ratio | 17.7230% | 2,343 |
| Total risk-based capital ratio | 19.0114% | 2,294 |
| Memoranda: | ||
| Average total assets | $314,651,670 | 2,077 |
| Average earning assets | $299,678,000 | 2,008 |
| Average equity | $39,905,670 | 1,782 |
| Average total loans | $245,527,000 | 1,724 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 4,936 |
| Cost of funding earning assets | 0.3034% | 5,027 |
| Net interest margin | 3.3697% | 4,259 |
| Noninterest income to average assets | 0.1566% | 6,029 |
| Noninterest expense to average assets | 3.5681% | 1,361 |
| Loan and lease loss provision to assets | -0.4202% | 6,647 |
| Net operating income to assets | 0.2178% | 5,751 |
| Return on assets (ROA) | 0.2178% | 5,804 |
| Pretax return on assets | 0.2190% | 5,890 |
| Return on Equity (ROE) | 1.7232% | 5,864 |
| Retained earnings to average equity (ytd only) | 1.7232% | 4,924 |
| Net charge-offs to loans | -0.5646% | 6,572 |
| Credit loss provision to net charge-offs | 96.2099% | 1,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.9758% | 336 |
| Assets per employee ($millions) | 4.0830% | 3,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7607% | 221 |
| Loan loss allowance to noncurrent loans | 163.2646% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 2.4110% | 1,339 |
| Noncurrent loans to loans | 2.3034% | 1,548 |
| Net loans and leases to total assets | 79.9489% | 554 |
| Net loans and leases to deposits | 96.3448% | 635 |
| Net loans and leases to core deposits | 100.2229% | 1,087 |
| Total domestic deposits to total assets | 82.9821% | 4,606 |
| Equity capital to assets | 12.6524% | 1,485 |
| Core capital (leverage) ratio | 12.6524% | 1,319 |
| Tier 1 risk-based capital ratio | 16.6845% | 2,820 |
| Total risk-based capital ratio | 17.9701% | 2,765 |
| Memoranda: | ||
| Average total assets | $314,120,000 | 2,089 |
| Average earning assets | $299,253,000 | 2,018 |
| Average equity | $39,692,500 | 1,780 |
| Average total loans | $243,000,500 | 1,739 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 4,490 |
| Cost of funding earning assets | 0.3784% | 4,854 |
| Net interest margin | 3.5133% | 3,835 |
| Noninterest income to average assets | 0.5155% | 3,661 |
| Noninterest expense to average assets | 3.8372% | 1,080 |
| Loan and lease loss provision to assets | -0.0941% | 6,473 |
| Net operating income to assets | 0.0917% | 6,064 |
| Return on assets (ROA) | 0.0917% | 6,115 |
| Pretax return on assets | 0.1066% | 6,081 |
| Return on Equity (ROE) | 0.7802% | 6,118 |
| Retained earnings to average equity (ytd only) | 0.7802% | 5,485 |
| Net charge-offs to loans | -0.1603% | 6,583 |
| Credit loss provision to net charge-offs | 79.2929% | 3,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6732% | 486 |
| Assets per employee ($millions) | 4.1296% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3629% | 153 |
| Loan loss allowance to noncurrent loans | 235.7933% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 1.8238% | 2,011 |
| Noncurrent loans to loans | 1.8503% | 2,169 |
| Net loans and leases to total assets | 68.5099% | 2,260 |
| Net loans and leases to deposits | 79.4300% | 2,533 |
| Net loans and leases to core deposits | 82.4967% | 2,839 |
| Total domestic deposits to total assets | 86.2519% | 3,133 |
| Equity capital to assets | 12.6198% | 1,455 |
| Core capital (leverage) ratio | 12.6198% | 1,296 |
| Tier 1 risk-based capital ratio | 19.5620% | 1,763 |
| Total risk-based capital ratio | 20.8565% | 1,718 |
| Memoranda: | ||
| Average total assets | $333,863,200 | 1,926 |
| Average earning assets | $316,850,200 | 1,880 |
| Average equity | $39,219,000 | 1,784 |
| Average total loans | $247,018,600 | 1,678 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9379% | 4,354 |
| Cost of funding earning assets | 0.3863% | 4,936 |
| Net interest margin | 3.5516% | 3,650 |
| Noninterest income to average assets | 0.4938% | 3,859 |
| Noninterest expense to average assets | 3.8083% | 1,070 |
| Loan and lease loss provision to assets | -0.0055% | 6,458 |
| Net operating income to assets | 0.0551% | 6,211 |
| Return on assets (ROA) | 0.0551% | 6,270 |
| Pretax return on assets | 0.0586% | 6,251 |
| Return on Equity (ROE) | 0.4771% | 6,276 |
| Retained earnings to average equity (ytd only) | 0.4771% | 5,778 |
| Net charge-offs to loans | -0.1293% | 6,565 |
| Credit loss provision to net charge-offs | 5.7143% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6244% | 513 |
| Assets per employee ($millions) | 4.0503% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1513% | 209 |
| Loan loss allowance to noncurrent loans | 88.4527% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 4.1584% | 750 |
| Noncurrent loans to loans | 4.6933% | 672 |
| Net loans and leases to total assets | 70.9577% | 1,790 |
| Net loans and leases to deposits | 81.8380% | 2,158 |
| Net loans and leases to core deposits | 85.0600% | 2,537 |
| Total domestic deposits to total assets | 86.7052% | 2,850 |
| Equity capital to assets | 12.1724% | 1,804 |
| Core capital (leverage) ratio | 12.1724% | 1,573 |
| Tier 1 risk-based capital ratio | 18.4963% | 2,142 |
| Total risk-based capital ratio | 19.7888% | 2,096 |
| Memoranda: | ||
| Average total assets | $338,867,000 | 1,909 |
| Average earning assets | $321,316,250 | 1,861 |
| Average equity | $39,122,000 | 1,802 |
| Average total loans | $252,566,750 | 1,645 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9924% | 4,139 |
| Cost of funding earning assets | 0.3940% | 4,992 |
| Net interest margin | 3.5985% | 3,363 |
| Noninterest income to average assets | 0.1768% | 6,149 |
| Noninterest expense to average assets | 3.8614% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.2792% | 6,541 |
| Return on assets (ROA) | -0.2792% | 6,569 |
| Pretax return on assets | -0.2786% | 6,541 |
| Return on Equity (ROE) | -2.4605% | 6,548 |
| Retained earnings to average equity (ytd only) | -2.4605% | 6,244 |
| Net charge-offs to loans | -0.1464% | 6,588 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.7772% | 314 |
| Assets per employee ($millions) | 4.0990% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1177% | 229 |
| Loan loss allowance to noncurrent loans | 71.8218% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 4.7708% | 666 |
| Noncurrent loans to loans | 5.7332% | 522 |
| Net loans and leases to total assets | 69.5362% | 1,961 |
| Net loans and leases to deposits | 79.6186% | 2,377 |
| Net loans and leases to core deposits | 82.5936% | 2,740 |
| Total domestic deposits to total assets | 87.3366% | 2,633 |
| Equity capital to assets | 11.6924% | 2,133 |
| Core capital (leverage) ratio | 11.6924% | 1,807 |
| Tier 1 risk-based capital ratio | 18.3694% | 2,187 |
| Total risk-based capital ratio | 19.6621% | 2,136 |
| Memoranda: | ||
| Average total assets | $343,815,670 | 1,895 |
| Average earning assets | $325,416,330 | 1,839 |
| Average equity | $39,015,670 | 1,798 |
| Average total loans | $256,797,000 | 1,615 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1227% | 3,636 |
| Cost of funding earning assets | 0.3999% | 5,100 |
| Net interest margin | 3.7228% | 2,766 |
| Noninterest income to average assets | 0.1773% | 6,202 |
| Noninterest expense to average assets | 4.1211% | 774 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.4301% | 6,642 |
| Return on assets (ROA) | -0.4301% | 6,676 |
| Pretax return on assets | -0.4301% | 6,651 |
| Return on Equity (ROE) | -3.8453% | 6,644 |
| Retained earnings to average equity (ytd only) | -3.8453% | 6,263 |
| Net charge-offs to loans | -0.6571% | 6,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6517% | 308 |
| Assets per employee ($millions) | 3.9161% | 4,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0771% | 269 |
| Loan loss allowance to noncurrent loans | 77.5903% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 5.0913% | 709 |
| Noncurrent loans to loans | 5.2546% | 711 |
| Net loans and leases to total assets | 70.1745% | 1,629 |
| Net loans and leases to deposits | 80.0545% | 2,061 |
| Net loans and leases to core deposits | 82.9299% | 2,465 |
| Total domestic deposits to total assets | 87.6584% | 2,539 |
| Equity capital to assets | 11.4249% | 2,487 |
| Core capital (leverage) ratio | 11.4249% | 1,923 |
| Tier 1 risk-based capital ratio | 17.9697% | 2,379 |
| Total risk-based capital ratio | 19.2632% | 2,322 |
| Memoranda: | ||
| Average total assets | $349,713,500 | 1,893 |
| Average earning assets | $330,074,000 | 1,836 |
| Average equity | $39,113,000 | 1,811 |
| Average total loans | $264,801,000 | 1,588 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 3,183 |
| Cost of funding earning assets | 0.5984% | 4,366 |
| Net interest margin | 3.9582% | 2,573 |
| Noninterest income to average assets | 0.4262% | 4,412 |
| Noninterest expense to average assets | 3.3097% | 2,308 |
| Loan and lease loss provision to assets | 2.2122% | 77 |
| Net operating income to assets | -1.2644% | 6,809 |
| Return on assets (ROA) | -1.2644% | 6,824 |
| Pretax return on assets | -1.3290% | 6,808 |
| Return on Equity (ROE) | -12.4844% | 6,778 |
| Retained earnings to average equity (ytd only) | -12.4844% | 6,714 |
| Net charge-offs to loans | 2.8087% | 199 |
| Credit loss provision to net charge-offs | 97.7763% | 3,172 |
| Earnings coverage of net charge-offs (x) | 0.3903% | 5,289 |
| Efficiency ratio | 78.9365% | 2,285 |
| Assets per employee ($millions) | 4.1712% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4695% | 434 |
| Loan loss allowance to noncurrent loans | 52.6780% | 4,994 |
| Noncurrent assets plus other real estate owned to assets | 6.9825% | 444 |
| Noncurrent loans to loans | 6.5863% | 499 |
| Net loans and leases to total assets | 75.4414% | 998 |
| Net loans and leases to deposits | 85.4765% | 1,581 |
| Net loans and leases to core deposits | 88.3902% | 2,042 |
| Total domestic deposits to total assets | 88.2598% | 2,058 |
| Equity capital to assets | 10.9557% | 3,008 |
| Core capital (leverage) ratio | 10.9557% | 2,295 |
| Tier 1 risk-based capital ratio | 16.0428% | 3,141 |
| Total risk-based capital ratio | 17.3266% | 3,071 |
| Memoranda: | ||
| Average total assets | $405,478,600 | 1,620 |
| Average earning assets | $385,859,200 | 1,560 |
| Average equity | $41,067,400 | 1,701 |
| Average total loans | $326,629,200 | 1,289 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6405% | 3,057 |
| Cost of funding earning assets | 0.6469% | 4,222 |
| Net interest margin | 3.9936% | 2,525 |
| Noninterest income to average assets | 0.2423% | 5,812 |
| Noninterest expense to average assets | 3.1095% | 2,860 |
| Loan and lease loss provision to assets | 2.8669% | 45 |
| Net operating income to assets | -1.8422% | 7,023 |
| Return on assets (ROA) | -1.8422% | 7,033 |
| Pretax return on assets | -1.9260% | 7,020 |
| Return on Equity (ROE) | -18.5144% | 6,971 |
| Retained earnings to average equity (ytd only) | -18.5144% | 6,952 |
| Net charge-offs to loans | 3.5556% | 125 |
| Credit loss provision to net charge-offs | 99.4567% | 3,023 |
| Earnings coverage of net charge-offs (x) | 0.3264% | 5,161 |
| Efficiency ratio | 76.7695% | 2,555 |
| Assets per employee ($millions) | 4.3949% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2574% | 576 |
| Loan loss allowance to noncurrent loans | 40.4304% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 7.7909% | 402 |
| Noncurrent loans to loans | 8.0568% | 386 |
| Net loans and leases to total assets | 78.5642% | 667 |
| Net loans and leases to deposits | 88.4349% | 1,302 |
| Net loans and leases to core deposits | 91.1890% | 1,857 |
| Total domestic deposits to total assets | 88.8384% | 1,518 |
| Equity capital to assets | 10.3500% | 4,019 |
| Core capital (leverage) ratio | 10.3500% | 3,107 |
| Tier 1 risk-based capital ratio | 14.1730% | 4,395 |
| Total risk-based capital ratio | 15.4523% | 4,349 |
| Memoranda: | ||
| Average total assets | $417,167,000 | 1,591 |
| Average earning assets | $397,796,250 | 1,531 |
| Average equity | $41,509,000 | 1,693 |
| Average total loans | $338,198,000 | 1,257 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7217% | 2,834 |
| Cost of funding earning assets | 0.7160% | 3,890 |
| Net interest margin | 4.0057% | 2,480 |
| Noninterest income to average assets | 0.3456% | 5,071 |
| Noninterest expense to average assets | 2.8807% | 3,697 |
| Loan and lease loss provision to assets | 4.0630% | 22 |
| Net operating income to assets | -2.7723% | 7,139 |
| Return on assets (ROA) | -2.7723% | 7,147 |
| Pretax return on assets | -2.7723% | 7,136 |
| Return on Equity (ROE) | -28.1883% | 7,087 |
| Retained earnings to average equity (ytd only) | -28.1883% | 7,076 |
| Net charge-offs to loans | 5.4979% | 47 |
| Credit loss provision to net charge-offs | 91.2022% | 3,004 |
| Earnings coverage of net charge-offs (x) | 0.2897% | 4,935 |
| Efficiency ratio | 69.0582% | 3,928 |
| Assets per employee ($millions) | 4.3234% | 3,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7739% | 968 |
| Loan loss allowance to noncurrent loans | 40.0238% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 6.0042% | 706 |
| Noncurrent loans to loans | 6.9307% | 566 |
| Net loans and leases to total assets | 78.3540% | 685 |
| Net loans and leases to deposits | 87.2394% | 1,445 |
| Net loans and leases to core deposits | 90.0428% | 1,980 |
| Total domestic deposits to total assets | 89.8149% | 1,035 |
| Equity capital to assets | 9.4597% | 5,116 |
| Core capital (leverage) ratio | 9.4597% | 4,198 |
| Tier 1 risk-based capital ratio | 13.0818% | 5,128 |
| Total risk-based capital ratio | 14.3548% | 5,095 |
| Memoranda: | ||
| Average total assets | $431,700,670 | 1,540 |
| Average earning assets | $412,308,330 | 1,475 |
| Average equity | $42,457,330 | 1,643 |
| Average total loans | $349,807,000 | 1,200 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 2,793 |
| Cost of funding earning assets | 0.7586% | 3,798 |
| Net interest margin | 4.0048% | 2,483 |
| Noninterest income to average assets | 0.2683% | 5,731 |
| Noninterest expense to average assets | 2.9391% | 3,477 |
| Loan and lease loss provision to assets | 1.0802% | 369 |
| Net operating income to assets | 0.0648% | 6,308 |
| Return on assets (ROA) | 0.0648% | 6,425 |
| Pretax return on assets | 0.0648% | 6,432 |
| Return on Equity (ROE) | 0.6477% | 6,411 |
| Retained earnings to average equity (ytd only) | 0.6477% | 5,800 |
| Net charge-offs to loans | 0.8345% | 1,233 |
| Credit loss provision to net charge-offs | 159.3625% | 1,590 |
| Earnings coverage of net charge-offs (x) | 1.6892% | 3,486 |
| Efficiency ratio | 71.9639% | 3,454 |
| Assets per employee ($millions) | 4.6216% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9076% | 905 |
| Loan loss allowance to noncurrent loans | 54.9770% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 5.4704% | 903 |
| Noncurrent loans to loans | 5.2888% | 1,034 |
| Net loans and leases to total assets | 80.6289% | 355 |
| Net loans and leases to deposits | 90.8997% | 882 |
| Net loans and leases to core deposits | 96.4721% | 1,259 |
| Total domestic deposits to total assets | 88.7009% | 1,886 |
| Equity capital to assets | 10.3535% | 3,668 |
| Core capital (leverage) ratio | 10.3535% | 2,931 |
| Tier 1 risk-based capital ratio | 13.2880% | 4,996 |
| Total risk-based capital ratio | 14.5610% | 4,959 |
| Memoranda: | ||
| Average total assets | $444,351,500 | 1,497 |
| Average earning assets | $423,390,500 | 1,447 |
| Average equity | $44,464,000 | 1,560 |
| Average total loans | $360,953,000 | 1,162 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 3,006 |
| Cost of funding earning assets | 1.0235% | 3,212 |
| Net interest margin | 3.9495% | 3,110 |
| Noninterest income to average assets | -0.0175% | 7,026 |
| Noninterest expense to average assets | 2.9515% | 3,762 |
| Loan and lease loss provision to assets | 0.5773% | 1,793 |
| Net operating income to assets | 0.1742% | 5,662 |
| Return on assets (ROA) | 0.1742% | 5,807 |
| Pretax return on assets | 0.1806% | 5,830 |
| Return on Equity (ROE) | 1.9207% | 5,691 |
| Retained earnings to average equity (ytd only) | 1.9207% | 4,840 |
| Net charge-offs to loans | 0.9453% | 1,839 |
| Credit loss provision to net charge-offs | 72.1290% | 4,770 |
| Earnings coverage of net charge-offs (x) | 0.9470% | 5,092 |
| Efficiency ratio | 79.4757% | 2,376 |
| Assets per employee ($millions) | 4.8819% | 2,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7207% | 1,063 |
| Loan loss allowance to noncurrent loans | 63.1679% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 4.5664% | 1,197 |
| Noncurrent loans to loans | 4.3071% | 1,416 |
| Net loans and leases to total assets | 77.3703% | 787 |
| Net loans and leases to deposits | 86.4569% | 1,619 |
| Net loans and leases to core deposits | 91.3947% | 1,949 |
| Total domestic deposits to total assets | 89.4900% | 1,270 |
| Equity capital to assets | 9.6815% | 4,627 |
| Core capital (leverage) ratio | 9.6815% | 3,763 |
| Tier 1 risk-based capital ratio | 12.4003% | 5,535 |
| Total risk-based capital ratio | 13.6692% | 5,493 |
| Memoranda: | ||
| Average total assets | $468,920,400 | 1,407 |
| Average earning assets | $442,481,400 | 1,366 |
| Average equity | $42,537,400 | 1,578 |
| Average total loans | $397,004,600 | 1,071 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9867% | 3,152 |
| Cost of funding earning assets | 1.0707% | 3,174 |
| Net interest margin | 3.9160% | 3,302 |
| Noninterest income to average assets | -0.0653% | 7,182 |
| Noninterest expense to average assets | 2.9484% | 3,747 |
| Loan and lease loss provision to assets | 0.3849% | 2,548 |
| Net operating income to assets | 0.2777% | 5,478 |
| Return on assets (ROA) | 0.2777% | 5,640 |
| Pretax return on assets | 0.2879% | 5,726 |
| Return on Equity (ROE) | 3.1126% | 5,369 |
| Retained earnings to average equity (ytd only) | 3.1126% | 4,468 |
| Net charge-offs to loans | 0.4543% | 2,915 |
| Credit loss provision to net charge-offs | 98.6232% | 3,464 |
| Earnings coverage of net charge-offs (x) | 1.7239% | 4,359 |
| Efficiency ratio | 81.3261% | 2,067 |
| Assets per employee ($millions) | 4.9003% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7930% | 1,042 |
| Loan loss allowance to noncurrent loans | 51.5601% | 4,912 |
| Noncurrent assets plus other real estate owned to assets | 5.7330% | 953 |
| Noncurrent loans to loans | 5.4171% | 1,103 |
| Net loans and leases to total assets | 80.2183% | 492 |
| Net loans and leases to deposits | 88.8835% | 1,333 |
| Net loans and leases to core deposits | 92.5174% | 1,934 |
| Total domestic deposits to total assets | 90.2510% | 746 |
| Equity capital to assets | 8.8555% | 5,912 |
| Core capital (leverage) ratio | 8.8555% | 5,174 |
| Tier 1 risk-based capital ratio | 11.0812% | 6,494 |
| Total risk-based capital ratio | 12.3514% | 6,467 |
| Memoranda: | ||
| Average total assets | $471,426,250 | 1,413 |
| Average earning assets | $443,806,750 | 1,377 |
| Average equity | $42,064,750 | 1,603 |
| Average total loans | $405,010,750 | 1,056 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2385% | 2,103 |
| Cost of funding earning assets | 1.0717% | 3,461 |
| Net interest margin | 4.1668% | 2,167 |
| Noninterest income to average assets | 0.0174% | 7,153 |
| Noninterest expense to average assets | 3.0090% | 3,606 |
| Loan and lease loss provision to assets | 0.2242% | 3,672 |
| Net operating income to assets | 0.6645% | 3,718 |
| Return on assets (ROA) | 0.6645% | 3,843 |
| Pretax return on assets | 0.6913% | 4,413 |
| Return on Equity (ROE) | 7.4283% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.4283% | 1,685 |
| Net charge-offs to loans | 0.1769% | 4,106 |
| Credit loss provision to net charge-offs | 145.5801% | 2,104 |
| Earnings coverage of net charge-offs (x) | 5.9448% | 2,504 |
| Efficiency ratio | 76.5854% | 2,921 |
| Assets per employee ($millions) | 4.9558% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7838% | 1,093 |
| Loan loss allowance to noncurrent loans | 44.4254% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 6.5960% | 807 |
| Noncurrent loans to loans | 6.2663% | 917 |
| Net loans and leases to total assets | 81.7781% | 388 |
| Net loans and leases to deposits | 90.6508% | 1,202 |
| Net loans and leases to core deposits | 93.3554% | 1,979 |
| Total domestic deposits to total assets | 90.2123% | 856 |
| Equity capital to assets | 8.9693% | 5,623 |
| Core capital (leverage) ratio | 8.9693% | 4,776 |
| Tier 1 risk-based capital ratio | 12.3230% | 5,502 |
| Total risk-based capital ratio | 13.6006% | 5,453 |
| Memoranda: | ||
| Average total assets | $470,124,000 | 1,426 |
| Average earning assets | $440,814,330 | 1,392 |
| Average equity | $42,055,330 | 1,593 |
| Average total loans | $409,261,000 | 1,050 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 1,804 |
| Cost of funding earning assets | 1.0743% | 3,695 |
| Net interest margin | 4.2466% | 1,759 |
| Noninterest income to average assets | -0.0599% | 7,363 |
| Noninterest expense to average assets | 2.7648% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0888% | 1,879 |
| Return on assets (ROA) | 1.0888% | 1,925 |
| Pretax return on assets | 1.1273% | 2,660 |
| Return on Equity (ROE) | 12.1877% | 1,411 |
| Retained earnings to average equity (ytd only) | 12.1877% | 709 |
| Net charge-offs to loans | 0.1440% | 3,634 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.8389% | 1,780 |
| Efficiency ratio | 70.9479% | 4,070 |
| Assets per employee ($millions) | 4.9712% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6308% | 1,277 |
| Loan loss allowance to noncurrent loans | 42.9149% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 7.1959% | 724 |
| Noncurrent loans to loans | 6.1302% | 1,018 |
| Net loans and leases to total assets | 84.8509% | 184 |
| Net loans and leases to deposits | 94.0722% | 815 |
| Net loans and leases to core deposits | 97.0262% | 1,593 |
| Total domestic deposits to total assets | 90.1977% | 1,027 |
| Equity capital to assets | 8.9744% | 5,241 |
| Core capital (leverage) ratio | 8.9744% | 4,654 |
| Tier 1 risk-based capital ratio | 11.1580% | 6,389 |
| Total risk-based capital ratio | 12.4277% | 6,343 |
| Memoranda: | ||
| Average total assets | $467,307,000 | 1,448 |
| Average earning assets | $434,892,500 | 1,417 |
| Average equity | $41,747,000 | 1,597 |
| Average total loans | $413,788,000 | 1,049 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0262% | 4,430 |
| Cost of funding earning assets | 1.7574% | 1,352 |
| Net interest margin | 3.2688% | 6,072 |
| Noninterest income to average assets | -0.1431% | 7,433 |
| Noninterest expense to average assets | 2.6167% | 5,347 |
| Loan and lease loss provision to assets | 1.1102% | 1,436 |
| Net operating income to assets | -0.7855% | 6,570 |
| Return on assets (ROA) | -0.7855% | 6,596 |
| Pretax return on assets | -0.7855% | 6,518 |
| Return on Equity (ROE) | -9.1127% | 6,682 |
| Retained earnings to average equity (ytd only) | -9.1127% | 6,600 |
| Net charge-offs to loans | 1.1002% | 2,026 |
| Credit loss provision to net charge-offs | 120.7026% | 3,488 |
| Earnings coverage of net charge-offs (x) | 0.3530% | 5,753 |
| Efficiency ratio | 88.8511% | 1,409 |
| Assets per employee ($millions) | 5.0255% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6383% | 1,244 |
| Loan loss allowance to noncurrent loans | 50.0251% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 6.9928% | 785 |
| Noncurrent loans to loans | 5.2739% | 1,262 |
| Net loans and leases to total assets | 87.6074% | 110 |
| Net loans and leases to deposits | 96.9659% | 786 |
| Net loans and leases to core deposits | 99.9524% | 1,620 |
| Total domestic deposits to total assets | 90.3486% | 908 |
| Equity capital to assets | 8.8918% | 5,298 |
| Core capital (leverage) ratio | 8.8918% | 4,711 |
| Tier 1 risk-based capital ratio | 10.9359% | 6,379 |
| Total risk-based capital ratio | 12.2063% | 6,334 |
| Memoranda: | ||
| Average total assets | $519,924,600 | 1,283 |
| Average earning assets | $490,610,600 | 1,254 |
| Average equity | $44,816,800 | 1,491 |
| Average total loans | $434,642,800 | 1,034 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 5,125 |
| Cost of funding earning assets | 1.7783% | 1,515 |
| Net interest margin | 3.1539% | 6,471 |
| Noninterest income to average assets | -0.0696% | 7,514 |
| Noninterest expense to average assets | 2.5255% | 5,621 |
| Loan and lease loss provision to assets | 0.7598% | 2,016 |
| Net operating income to assets | -0.3721% | 6,490 |
| Return on assets (ROA) | -0.3721% | 6,535 |
| Pretax return on assets | -0.3721% | 6,467 |
| Return on Equity (ROE) | -4.3459% | 6,595 |
| Retained earnings to average equity (ytd only) | -4.3459% | 6,500 |
| Net charge-offs to loans | 1.3797% | 1,475 |
| Credit loss provision to net charge-offs | 66.9820% | 5,509 |
| Earnings coverage of net charge-offs (x) | 0.3418% | 5,683 |
| Efficiency ratio | 86.5782% | 1,571 |
| Assets per employee ($millions) | 6.1665% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0165% | 2,177 |
| Loan loss allowance to noncurrent loans | 91.5615% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 4.5908% | 1,475 |
| Noncurrent loans to loans | 2.2023% | 3,441 |
| Net loans and leases to total assets | 75.9780% | 1,411 |
| Net loans and leases to deposits | 94.7868% | 1,118 |
| Net loans and leases to core deposits | 99.0996% | 1,933 |
| Total domestic deposits to total assets | 80.1567% | 5,658 |
| Equity capital to assets | 8.0538% | 6,755 |
| Core capital (leverage) ratio | 8.0538% | 6,271 |
| Tier 1 risk-based capital ratio | 11.0730% | 6,314 |
| Total risk-based capital ratio | 12.3340% | 6,295 |
| Memoranda: | ||
| Average total assets | $534,319,000 | 1,270 |
| Average earning assets | $505,345,750 | 1,228 |
| Average equity | $45,743,250 | 1,471 |
| Average total loans | $439,297,000 | 1,027 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9376% | 5,238 |
| Cost of funding earning assets | 1.7871% | 1,697 |
| Net interest margin | 3.1505% | 6,463 |
| Noninterest income to average assets | -0.0124% | 7,554 |
| Noninterest expense to average assets | 2.3370% | 6,252 |
| Loan and lease loss provision to assets | 0.5806% | 2,453 |
| Net operating income to assets | 0.0598% | 5,973 |
| Return on assets (ROA) | 0.0598% | 6,067 |
| Pretax return on assets | 0.0617% | 6,052 |
| Return on Equity (ROE) | 0.6850% | 6,034 |
| Retained earnings to average equity (ytd only) | 0.6850% | 5,488 |
| Net charge-offs to loans | 2.1339% | 846 |
| Credit loss provision to net charge-offs | 32.4637% | 5,698 |
| Earnings coverage of net charge-offs (x) | 0.3591% | 5,374 |
| Efficiency ratio | 78.3279% | 2,672 |
| Assets per employee ($millions) | 5.8401% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5587% | 3,627 |
| Loan loss allowance to noncurrent loans | 28.6312% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 5.6422% | 1,079 |
| Noncurrent loans to loans | 5.4440% | 1,216 |
| Net loans and leases to total assets | 79.6621% | 852 |
| Net loans and leases to deposits | 100.1163% | 714 |
| Net loans and leases to core deposits | 105.8626% | 1,458 |
| Total domestic deposits to total assets | 79.5696% | 5,868 |
| Equity capital to assets | 8.4411% | 6,239 |
| Core capital (leverage) ratio | 8.4411% | 5,509 |
| Tier 1 risk-based capital ratio | 11.3769% | 5,883 |
| Total risk-based capital ratio | 12.6324% | 5,859 |
| Memoranda: | ||
| Average total assets | $531,542,670 | 1,280 |
| Average earning assets | $504,739,330 | 1,235 |
| Average equity | $46,423,000 | 1,448 |
| Average total loans | $445,470,000 | 1,023 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 4,793 |
| Cost of funding earning assets | 1.8195% | 1,798 |
| Net interest margin | 3.2285% | 6,203 |
| Noninterest income to average assets | 0.0681% | 7,377 |
| Noninterest expense to average assets | 2.2971% | 6,386 |
| Loan and lease loss provision to assets | 1.1153% | 1,099 |
| Net operating income to assets | -0.2792% | 6,641 |
| Return on assets (ROA) | -0.2792% | 6,701 |
| Pretax return on assets | -0.2792% | 6,618 |
| Return on Equity (ROE) | -3.1432% | 6,749 |
| Retained earnings to average equity (ytd only) | -3.1432% | 6,379 |
| Net charge-offs to loans | 0.0506% | 4,901 |
| Credit loss provision to net charge-offs | 2,585.9649% | 199 |
| Earnings coverage of net charge-offs (x) | 19.3860% | 1,203 |
| Efficiency ratio | 73.1949% | 3,726 |
| Assets per employee ($millions) | 5.4826% | 1,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5844% | 1,196 |
| Loan loss allowance to noncurrent loans | 74.1466% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 4.2109% | 1,619 |
| Noncurrent loans to loans | 3.4855% | 2,287 |
| Net loans and leases to total assets | 81.6659% | 630 |
| Net loans and leases to deposits | 103.2451% | 575 |
| Net loans and leases to core deposits | 109.2526% | 1,333 |
| Total domestic deposits to total assets | 79.0990% | 6,053 |
| Equity capital to assets | 8.5166% | 5,981 |
| Core capital (leverage) ratio | 8.5166% | 5,346 |
| Tier 1 risk-based capital ratio | 11.0591% | 6,106 |
| Total risk-based capital ratio | 12.3285% | 6,054 |
| Memoranda: | ||
| Average total assets | $528,670,500 | 1,320 |
| Average earning assets | $501,903,000 | 1,277 |
| Average equity | $46,958,000 | 1,433 |
| Average total loans | $450,809,500 | 1,041 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2465% | 5,432 |
| Cost of funding earning assets | 2.5383% | 927 |
| Net interest margin | 2.7082% | 7,202 |
| Noninterest income to average assets | 0.2187% | 6,547 |
| Noninterest expense to average assets | 2.4528% | 6,296 |
| Loan and lease loss provision to assets | 1.5130% | 1,520 |
| Net operating income to assets | -1.1487% | 6,679 |
| Return on assets (ROA) | -1.1487% | 6,681 |
| Pretax return on assets | -1.1487% | 6,508 |
| Return on Equity (ROE) | -11.8312% | 6,755 |
| Retained earnings to average equity (ytd only) | -11.8312% | 6,664 |
| Net charge-offs to loans | 1.2010% | 2,052 |
| Credit loss provision to net charge-offs | 143.8908% | 3,327 |
| Earnings coverage of net charge-offs (x) | 0.3465% | 5,765 |
| Efficiency ratio | 86.9275% | 2,001 |
| Assets per employee ($millions) | 5.6491% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8795% | 2,314 |
| Loan loss allowance to noncurrent loans | 40.2315% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 4.5839% | 1,405 |
| Noncurrent loans to loans | 4.6717% | 1,507 |
| Net loans and leases to total assets | 85.0699% | 343 |
| Net loans and leases to deposits | 108.0362% | 459 |
| Net loans and leases to core deposits | 160.7529% | 333 |
| Total domestic deposits to total assets | 78.7421% | 6,048 |
| Equity capital to assets | 9.2447% | 4,781 |
| Core capital (leverage) ratio | 9.2447% | 4,063 |
| Tier 1 risk-based capital ratio | 11.7659% | 5,143 |
| Total risk-based capital ratio | 13.0261% | 5,095 |
| Memoranda: | ||
| Average total assets | $536,277,600 | 1,288 |
| Average earning assets | $514,554,600 | 1,225 |
| Average equity | $52,065,800 | 1,282 |
| Average total loans | $469,520,600 | 1,029 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 5,219 |
| Cost of funding earning assets | 2.6873% | 815 |
| Net interest margin | 2.6535% | 7,286 |
| Noninterest income to average assets | 0.2247% | 6,623 |
| Noninterest expense to average assets | 2.3450% | 6,574 |
| Loan and lease loss provision to assets | 1.4338% | 1,338 |
| Net operating income to assets | -1.0094% | 6,838 |
| Return on assets (ROA) | -1.0094% | 6,848 |
| Pretax return on assets | -1.0025% | 6,688 |
| Return on Equity (ROE) | -10.2757% | 6,915 |
| Retained earnings to average equity (ytd only) | -10.2757% | 6,831 |
| Net charge-offs to loans | 1.4164% | 1,458 |
| Credit loss provision to net charge-offs | 115.3432% | 4,404 |
| Earnings coverage of net charge-offs (x) | 0.3470% | 5,676 |
| Efficiency ratio | 84.3220% | 2,261 |
| Assets per employee ($millions) | 5.5126% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4871% | 3,512 |
| Loan loss allowance to noncurrent loans | 53.7397% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 3.3807% | 1,983 |
| Noncurrent loans to loans | 2.7673% | 2,746 |
| Net loans and leases to total assets | 89.7780% | 126 |
| Net loans and leases to deposits | 115.7015% | 275 |
| Net loans and leases to core deposits | 174.0717% | 232 |
| Total domestic deposits to total assets | 77.5945% | 6,197 |
| Equity capital to assets | 9.9833% | 4,111 |
| Core capital (leverage) ratio | 9.9833% | 3,306 |
| Tier 1 risk-based capital ratio | 12.3781% | 4,649 |
| Total risk-based capital ratio | 13.6333% | 4,590 |
| Memoranda: | ||
| Average total assets | $537,593,000 | 1,290 |
| Average earning assets | $516,938,000 | 1,236 |
| Average equity | $52,809,500 | 1,272 |
| Average total loans | $471,803,750 | 1,037 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2814% | 5,741 |
| Cost of funding earning assets | 2.7994% | 793 |
| Net interest margin | 2.4820% | 7,502 |
| Noninterest income to average assets | 0.2524% | 6,477 |
| Noninterest expense to average assets | 2.1934% | 7,071 |
| Loan and lease loss provision to assets | 1.7542% | 952 |
| Net operating income to assets | -1.3090% | 7,169 |
| Return on assets (ROA) | -1.3090% | 7,174 |
| Pretax return on assets | -1.3035% | 6,991 |
| Return on Equity (ROE) | -13.3940% | 7,246 |
| Retained earnings to average equity (ytd only) | -13.3940% | 7,144 |
| Net charge-offs to loans | 1.3310% | 1,391 |
| Credit loss provision to net charge-offs | 152.0000% | 3,024 |
| Earnings coverage of net charge-offs (x) | 0.3905% | 5,297 |
| Efficiency ratio | 82.7906% | 2,628 |
| Assets per employee ($millions) | 5.8052% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 2,571 |
| Loan loss allowance to noncurrent loans | 55.7950% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 2.5143% | 2,559 |
| Noncurrent loans to loans | 2.9382% | 2,449 |
| Net loans and leases to total assets | 84.1675% | 611 |
| Net loans and leases to deposits | 106.0911% | 761 |
| Net loans and leases to core deposits | 167.3954% | 352 |
| Total domestic deposits to total assets | 79.3351% | 5,709 |
| Equity capital to assets | 9.2729% | 4,917 |
| Core capital (leverage) ratio | 9.2729% | 4,206 |
| Tier 1 risk-based capital ratio | 12.0748% | 4,853 |
| Total risk-based capital ratio | 13.3318% | 4,767 |
| Memoranda: | ||
| Average total assets | $545,901,330 | 1,296 |
| Average earning assets | $526,035,000 | 1,236 |
| Average equity | $53,352,330 | 1,268 |
| Average total loans | $473,334,670 | 1,055 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3528% | 5,644 |
| Cost of funding earning assets | 2.8389% | 894 |
| Net interest margin | 2.5139% | 7,482 |
| Noninterest income to average assets | 0.3302% | 5,805 |
| Noninterest expense to average assets | 2.1955% | 6,881 |
| Loan and lease loss provision to assets | 2.1244% | 559 |
| Net operating income to assets | -1.5720% | 7,530 |
| Return on assets (ROA) | -1.5720% | 7,532 |
| Pretax return on assets | -1.5720% | 7,396 |
| Return on Equity (ROE) | -15.6709% | 7,634 |
| Retained earnings to average equity (ytd only) | -15.6709% | 7,472 |
| Net charge-offs to loans | 0.2774% | 3,009 |
| Credit loss provision to net charge-offs | 877.3700% | 702 |
| Earnings coverage of net charge-offs (x) | 2.2813% | 3,594 |
| Efficiency ratio | 79.7629% | 2,850 |
| Assets per employee ($millions) | 5.4464% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 1,784 |
| Loan loss allowance to noncurrent loans | 122.9554% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 4,125 |
| Noncurrent loans to loans | 1.4877% | 4,060 |
| Net loans and leases to total assets | 84.2405% | 656 |
| Net loans and leases to deposits | 106.6144% | 821 |
| Net loans and leases to core deposits | 167.9938% | 374 |
| Total domestic deposits to total assets | 79.0142% | 5,722 |
| Equity capital to assets | 9.5634% | 4,579 |
| Core capital (leverage) ratio | 9.5634% | 3,912 |
| Tier 1 risk-based capital ratio | 12.3717% | 4,639 |
| Total risk-based capital ratio | 13.6312% | 4,557 |
| Memoranda: | ||
| Average total assets | $540,201,000 | 1,311 |
| Average earning assets | $519,502,500 | 1,251 |
| Average equity | $54,189,500 | 1,248 |
| Average total loans | $471,559,500 | 1,066 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3515% | 3,686 |
| Cost of funding earning assets | 3.1736% | 1,275 |
| Net interest margin | 3.1779% | 6,438 |
| Noninterest income to average assets | 0.1356% | 7,423 |
| Noninterest expense to average assets | 2.5104% | 5,961 |
| Loan and lease loss provision to assets | 0.5974% | 2,437 |
| Net operating income to assets | 0.0583% | 6,211 |
| Return on assets (ROA) | 0.0551% | 6,074 |
| Pretax return on assets | 0.0636% | 6,020 |
| Return on Equity (ROE) | 0.4853% | 6,083 |
| Retained earnings to average equity (ytd only) | 0.4853% | 4,951 |
| Net charge-offs to loans | 0.2778% | 3,546 |
| Credit loss provision to net charge-offs | 239.6411% | 1,963 |
| Earnings coverage of net charge-offs (x) | 2.6664% | 4,748 |
| Efficiency ratio | 78.9740% | 2,757 |
| Assets per employee ($millions) | 5.3558% | 1,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 3,623 |
| Loan loss allowance to noncurrent loans | 901.8978% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.5146% | 5,640 |
| Noncurrent loans to loans | 0.1469% | 6,972 |
| Net loans and leases to total assets | 87.6862% | 395 |
| Net loans and leases to deposits | 113.4380% | 641 |
| Net loans and leases to core deposits | 175.8007% | 334 |
| Total domestic deposits to total assets | 77.2987% | 5,918 |
| Equity capital to assets | 10.5267% | 3,467 |
| Core capital (leverage) ratio | 10.5267% | 2,956 |
| Tier 1 risk-based capital ratio | 13.3620% | 3,891 |
| Total risk-based capital ratio | 14.6150% | 3,798 |
| Memoranda: | ||
| Average total assets | $491,759,000 | 1,384 |
| Average earning assets | $470,344,800 | 1,316 |
| Average equity | $55,846,200 | 1,205 |
| Average total loans | $441,278,800 | 1,089 |