Home > Virginia Commonwealth Bank > Performance and Condition Ratios
Virginia Commonwealth Bank, Performance and Condition Ratios
| 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 | 4.4032% | 1,586 |
| Cost of funding earning assets | 0.8513% | 1,017 |
| Net interest margin | 3.5519% | 2,303 |
| Noninterest income to average assets | 0.5403% | 2,467 |
| Noninterest expense to average assets | 3.1910% | 1,071 |
| Loan and lease loss provision to assets | 0.5681% | 379 |
| Net operating income to assets | -0.0185% | 4,743 |
| Return on assets (ROA) | -0.0169% | 4,777 |
| Pretax return on assets | 0.1311% | 4,687 |
| Return on Equity (ROE) | -0.1574% | 4,777 |
| Retained earnings to average equity (ytd only) | -0.1574% | 4,543 |
| Net charge-offs to loans | 0.0589% | 1,934 |
| Credit loss provision to net charge-offs | 1,143.0486% | 704 |
| Earnings coverage of net charge-offs (x) | 14.0285% | 2,242 |
| Efficiency ratio | 58.4015% | 3,670 |
| Assets per employee ($millions) | 8.4072% | 912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 2,403 |
| Loan loss allowance to noncurrent loans | 70.5175% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.6602% | 406 |
| Noncurrent loans to loans | 1.8458% | 666 |
| Net loans and leases to total assets | 85.7733% | 107 |
| Net loans and leases to deposits | 100.4447% | 358 |
| Net loans and leases to core deposits | 110.5888% | 491 |
| Total domestic deposits to total assets | 85.3936% | 2,616 |
| Equity capital to assets | 10.8071% | 2,423 |
| Core capital (leverage) ratio | 10.7469% | 1,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9174% | 2,273 |
| Memoranda: | ||
| Average total assets | $1,201,208,200 | 749 |
| Average earning assets | $1,132,242,800 | 731 |
| Average equity | $128,996,800 | 773 |
| Average total loans | $1,013,686,600 | 630 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4008% | 1,849 |
| Cost of funding earning assets | 0.9220% | 991 |
| Net interest margin | 3.4788% | 2,657 |
| Noninterest income to average assets | 0.5194% | 2,529 |
| Noninterest expense to average assets | 3.4499% | 757 |
| Loan and lease loss provision to assets | 0.6320% | 383 |
| Net operating income to assets | -0.3933% | 4,881 |
| Return on assets (ROA) | -0.3909% | 4,889 |
| Pretax return on assets | -0.2858% | 4,860 |
| Return on Equity (ROE) | -3.6463% | 4,895 |
| Retained earnings to average equity (ytd only) | -3.6463% | 4,800 |
| Net charge-offs to loans | 0.0447% | 1,986 |
| Credit loss provision to net charge-offs | 1,688.3929% | 562 |
| Earnings coverage of net charge-offs (x) | 9.1875% | 2,445 |
| Efficiency ratio | 58.8465% | 3,548 |
| Assets per employee ($millions) | 8.7813% | 751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,555 |
| Loan loss allowance to noncurrent loans | 74.3030% | 3,659 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 582 |
| Noncurrent loans to loans | 1.6419% | 851 |
| Net loans and leases to total assets | 83.7565% | 299 |
| Net loans and leases to deposits | 99.2599% | 566 |
| Net loans and leases to core deposits | 112.2882% | 620 |
| Total domestic deposits to total assets | 84.3810% | 2,683 |
| Equity capital to assets | 10.3073% | 2,956 |
| Core capital (leverage) ratio | 10.4706% | 2,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6775% | 2,334 |
| Memoranda: | ||
| Average total assets | $1,196,751,000 | 742 |
| Average earning assets | $1,126,456,250 | 727 |
| Average equity | $128,310,500 | 765 |
| Average total loans | $1,002,259,000 | 629 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4832% | 1,967 |
| Cost of funding earning assets | 1.0123% | 953 |
| Net interest margin | 3.4710% | 2,879 |
| Noninterest income to average assets | 0.5183% | 2,498 |
| Noninterest expense to average assets | 4.0823% | 377 |
| Loan and lease loss provision to assets | 0.8142% | 299 |
| Net operating income to assets | -1.1427% | 4,974 |
| Return on assets (ROA) | -1.1391% | 4,971 |
| Pretax return on assets | -1.1161% | 4,958 |
| Return on Equity (ROE) | -10.4820% | 4,990 |
| Retained earnings to average equity (ytd only) | -10.4820% | 4,924 |
| Net charge-offs to loans | 0.0730% | 1,520 |
| Credit loss provision to net charge-offs | 1,338.1616% | 655 |
| Earnings coverage of net charge-offs (x) | -5.0195% | 2,975 |
| Efficiency ratio | 59.6482% | 3,458 |
| Assets per employee ($millions) | 9.2756% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1377% | 2,840 |
| Loan loss allowance to noncurrent loans | 95.8184% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 1.1700% | 943 |
| Noncurrent loans to loans | 1.1873% | 1,318 |
| Net loans and leases to total assets | 84.5754% | 215 |
| Net loans and leases to deposits | 101.0583% | 490 |
| Net loans and leases to core deposits | 113.9272% | 600 |
| Total domestic deposits to total assets | 83.6897% | 2,853 |
| Equity capital to assets | 10.1539% | 3,065 |
| Core capital (leverage) ratio | 10.2515% | 2,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3763% | 2,452 |
| Memoranda: | ||
| Average total assets | $1,180,019,667 | 743 |
| Average earning assets | $1,107,820,333 | 727 |
| Average equity | $128,238,667 | 761 |
| Average total loans | $983,913,000 | 633 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6333% | 1,899 |
| Cost of funding earning assets | 1.1440% | 922 |
| Net interest margin | 3.4892% | 3,016 |
| Noninterest income to average assets | 0.4665% | 2,719 |
| Noninterest expense to average assets | 2.4499% | 3,425 |
| Loan and lease loss provision to assets | 0.9632% | 223 |
| Net operating income to assets | 0.2653% | 4,418 |
| Return on assets (ROA) | 0.2706% | 4,434 |
| Pretax return on assets | 0.3233% | 4,417 |
| Return on Equity (ROE) | 2.4051% | 4,365 |
| Retained earnings to average equity (ytd only) | 2.4051% | 3,306 |
| Net charge-offs to loans | 0.0700% | 1,329 |
| Credit loss provision to net charge-offs | 1,672.2892% | 386 |
| Earnings coverage of net charge-offs (x) | 22.2349% | 1,363 |
| Efficiency ratio | 64.2924% | 3,191 |
| Assets per employee ($millions) | 7.5569% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 3,455 |
| Loan loss allowance to noncurrent loans | 183.4776% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 2,169 |
| Noncurrent loans to loans | 0.5710% | 2,568 |
| Net loans and leases to total assets | 81.4987% | 502 |
| Net loans and leases to deposits | 96.9678% | 820 |
| Net loans and leases to core deposits | 113.1023% | 706 |
| Total domestic deposits to total assets | 84.0472% | 2,774 |
| Equity capital to assets | 11.2435% | 2,644 |
| Core capital (leverage) ratio | 10.6936% | 2,752 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2859% | 2,574 |
| Memoranda: | ||
| Average total assets | $1,153,201,500 | 728 |
| Average earning assets | $1,078,628,500 | 709 |
| Average equity | $129,726,000 | 750 |
| Average total loans | $948,181,500 | 630 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0156% | 1,435 |
| Cost of funding earning assets | 1.3857% | 592 |
| Net interest margin | 3.6299% | 3,038 |
| Noninterest income to average assets | 0.2716% | 4,049 |
| Noninterest expense to average assets | 2.5194% | 3,390 |
| Loan and lease loss provision to assets | 0.1075% | 1,934 |
| Net operating income to assets | 0.8222% | 3,476 |
| Return on assets (ROA) | 0.8221% | 3,573 |
| Pretax return on assets | 1.0199% | 3,417 |
| Return on Equity (ROE) | 7.5233% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.5233% | 1,162 |
| Net charge-offs to loans | 0.1656% | 1,221 |
| Credit loss provision to net charge-offs | 77.6610% | 2,824 |
| Earnings coverage of net charge-offs (x) | 8.1485% | 2,803 |
| Efficiency ratio | 67.4021% | 2,543 |
| Assets per employee ($millions) | 7.1817% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 4,250 |
| Loan loss allowance to noncurrent loans | 168.3437% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 2,183 |
| Noncurrent loans to loans | 0.4854% | 2,733 |
| Net loans and leases to total assets | 81.4047% | 632 |
| Net loans and leases to deposits | 97.5698% | 791 |
| Net loans and leases to core deposits | 109.2749% | 895 |
| Total domestic deposits to total assets | 83.4322% | 3,054 |
| Equity capital to assets | 11.2552% | 2,753 |
| Core capital (leverage) ratio | 10.4162% | 3,053 |
| Tier 1 risk-based capital ratio | 12.2626% | 4,210 |
| Total risk-based capital ratio | 13.0731% | 4,334 |
| Memoranda: | ||
| Average total assets | $1,099,921,400 | 724 |
| Average earning assets | $1,022,791,400 | 711 |
| Average equity | $120,187,000 | 761 |
| Average total loans | $919,303,600 | 630 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0040% | 1,523 |
| Cost of funding earning assets | 1.4206% | 537 |
| Net interest margin | 3.5834% | 3,296 |
| Noninterest income to average assets | 0.2506% | 4,241 |
| Noninterest expense to average assets | 2.5116% | 3,404 |
| Loan and lease loss provision to assets | 0.1062% | 1,820 |
| Net operating income to assets | 0.7739% | 3,756 |
| Return on assets (ROA) | 0.7737% | 3,828 |
| Pretax return on assets | 0.9596% | 3,714 |
| Return on Equity (ROE) | 7.1364% | 3,627 |
| Retained earnings to average equity (ytd only) | 7.1364% | 1,794 |
| Net charge-offs to loans | 0.1857% | 932 |
| Credit loss provision to net charge-offs | 68.1534% | 2,637 |
| Earnings coverage of net charge-offs (x) | 6.8388% | 2,800 |
| Efficiency ratio | 68.4385% | 2,352 |
| Assets per employee ($millions) | 7.2389% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8042% | 4,400 |
| Loan loss allowance to noncurrent loans | 103.8232% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8484% | 1,614 |
| Noncurrent loans to loans | 0.7745% | 2,030 |
| Net loans and leases to total assets | 83.4752% | 404 |
| Net loans and leases to deposits | 102.6570% | 468 |
| Net loans and leases to core deposits | 114.9999% | 699 |
| Total domestic deposits to total assets | 81.3147% | 3,657 |
| Equity capital to assets | 11.2376% | 2,887 |
| Core capital (leverage) ratio | 10.3200% | 3,290 |
| Tier 1 risk-based capital ratio | 12.0459% | 4,398 |
| Total risk-based capital ratio | 12.8545% | 4,519 |
| Memoranda: | ||
| Average total assets | $1,093,020,250 | 727 |
| Average earning assets | $1,014,876,750 | 717 |
| Average equity | $118,507,500 | 766 |
| Average total loans | $917,774,250 | 631 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9737% | 1,552 |
| Cost of funding earning assets | 1.4311% | 479 |
| Net interest margin | 3.5426% | 3,457 |
| Noninterest income to average assets | 0.2761% | 4,091 |
| Noninterest expense to average assets | 2.5676% | 3,280 |
| Loan and lease loss provision to assets | 0.0691% | 2,439 |
| Net operating income to assets | 0.7493% | 3,832 |
| Return on assets (ROA) | 0.7490% | 3,900 |
| Pretax return on assets | 0.9249% | 3,776 |
| Return on Equity (ROE) | 6.9944% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.9944% | 1,812 |
| Net charge-offs to loans | 0.1750% | 932 |
| Credit loss provision to net charge-offs | 47.0588% | 2,493 |
| Earnings coverage of net charge-offs (x) | 6.7710% | 2,543 |
| Efficiency ratio | 70.2632% | 2,179 |
| Assets per employee ($millions) | 6.9392% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 4,393 |
| Loan loss allowance to noncurrent loans | 158.0516% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 0.7251% | 1,901 |
| Noncurrent loans to loans | 0.5155% | 2,737 |
| Net loans and leases to total assets | 83.5748% | 406 |
| Net loans and leases to deposits | 103.1909% | 463 |
| Net loans and leases to core deposits | 113.2949% | 804 |
| Total domestic deposits to total assets | 80.9905% | 3,818 |
| Equity capital to assets | 11.1947% | 2,863 |
| Core capital (leverage) ratio | 10.1404% | 3,459 |
| Tier 1 risk-based capital ratio | 11.9970% | 4,419 |
| Total risk-based capital ratio | 12.8185% | 4,542 |
| Memoranda: | ||
| Average total assets | $1,088,174,330 | 730 |
| Average earning assets | $1,009,309,330 | 718 |
| Average equity | $116,522,330 | 769 |
| Average total loans | $913,022,000 | 629 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 1,393 |
| Cost of funding earning assets | 1.3938% | 472 |
| Net interest margin | 3.5826% | 3,315 |
| Noninterest income to average assets | 0.2516% | 4,210 |
| Noninterest expense to average assets | 2.5857% | 3,255 |
| Loan and lease loss provision to assets | 0.1155% | 1,527 |
| Net operating income to assets | 0.7099% | 3,903 |
| Return on assets (ROA) | 0.7099% | 3,948 |
| Pretax return on assets | 0.8735% | 3,847 |
| Return on Equity (ROE) | 6.7837% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.7837% | 2,120 |
| Net charge-offs to loans | 0.1573% | 857 |
| Credit loss provision to net charge-offs | 87.7095% | 1,731 |
| Earnings coverage of net charge-offs (x) | 7.5112% | 2,130 |
| Efficiency ratio | 70.4805% | 2,268 |
| Assets per employee ($millions) | 6.7006% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8554% | 4,323 |
| Loan loss allowance to noncurrent loans | 144.6879% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 1,708 |
| Noncurrent loans to loans | 0.5912% | 2,566 |
| Net loans and leases to total assets | 82.8790% | 484 |
| Net loans and leases to deposits | 105.5226% | 330 |
| Net loans and leases to core deposits | 114.1679% | 734 |
| Total domestic deposits to total assets | 78.5415% | 4,425 |
| Equity capital to assets | 10.8462% | 3,003 |
| Core capital (leverage) ratio | 10.0891% | 3,503 |
| Tier 1 risk-based capital ratio | 11.7362% | 4,596 |
| Total risk-based capital ratio | 12.5984% | 4,717 |
| Memoranda: | ||
| Average total assets | $1,087,536,500 | 733 |
| Average earning assets | $1,008,757,500 | 721 |
| Average equity | $113,803,000 | 785 |
| Average total loans | $910,540,500 | 635 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7825% | 1,585 |
| Cost of funding earning assets | 1.0407% | 637 |
| Net interest margin | 3.7419% | 2,894 |
| Noninterest income to average assets | 0.3296% | 3,896 |
| Noninterest expense to average assets | 3.0268% | 1,990 |
| Loan and lease loss provision to assets | 0.1340% | 1,616 |
| Net operating income to assets | 0.5539% | 4,541 |
| Return on assets (ROA) | 0.5539% | 4,536 |
| Pretax return on assets | 0.6336% | 4,570 |
| Return on Equity (ROE) | 5.5554% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.5554% | 2,454 |
| Net charge-offs to loans | 0.1480% | 1,293 |
| Credit loss provision to net charge-offs | 110.8285% | 2,327 |
| Earnings coverage of net charge-offs (x) | 6.3470% | 3,095 |
| Efficiency ratio | 79.7688% | 980 |
| Assets per employee ($millions) | 6.0800% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 4,272 |
| Loan loss allowance to noncurrent loans | 148.6176% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8283% | 1,688 |
| Noncurrent loans to loans | 0.5892% | 2,523 |
| Net loans and leases to total assets | 83.1246% | 506 |
| Net loans and leases to deposits | 104.2316% | 467 |
| Net loans and leases to core deposits | 112.3406% | 865 |
| Total domestic deposits to total assets | 79.7499% | 4,159 |
| Equity capital to assets | 10.0743% | 3,607 |
| Core capital (leverage) ratio | 9.4235% | 4,206 |
| Tier 1 risk-based capital ratio | 10.7984% | 5,069 |
| Total risk-based capital ratio | 11.6791% | 5,114 |
| Memoranda: | ||
| Average total assets | $1,007,860,400 | 761 |
| Average earning assets | $933,248,600 | 755 |
| Average equity | $100,496,200 | 851 |
| Average total loans | $823,683,000 | 678 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7483% | 1,553 |
| Cost of funding earning assets | 0.9565% | 727 |
| Net interest margin | 3.7918% | 2,678 |
| Noninterest income to average assets | 0.3483% | 3,809 |
| Noninterest expense to average assets | 3.0845% | 1,801 |
| Loan and lease loss provision to assets | 0.0647% | 2,676 |
| Net operating income to assets | 0.5795% | 4,553 |
| Return on assets (ROA) | 0.5795% | 4,563 |
| Pretax return on assets | 0.7078% | 4,517 |
| Return on Equity (ROE) | 5.8277% | 4,310 |
| Retained earnings to average equity (ytd only) | 5.8277% | 2,742 |
| Net charge-offs to loans | 0.1599% | 1,036 |
| Credit loss provision to net charge-offs | 49.8963% | 2,831 |
| Earnings coverage of net charge-offs (x) | 5.9554% | 2,929 |
| Efficiency ratio | 79.9700% | 945 |
| Assets per employee ($millions) | 5.6607% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8530% | 4,448 |
| Loan loss allowance to noncurrent loans | 168.1745% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 1,913 |
| Noncurrent loans to loans | 0.5072% | 2,865 |
| Net loans and leases to total assets | 82.6663% | 609 |
| Net loans and leases to deposits | 102.0287% | 653 |
| Net loans and leases to core deposits | 110.0716% | 1,029 |
| Total domestic deposits to total assets | 81.0226% | 3,860 |
| Equity capital to assets | 9.9828% | 3,666 |
| Core capital (leverage) ratio | 9.4537% | 4,230 |
| Tier 1 risk-based capital ratio | 10.8566% | 5,097 |
| Total risk-based capital ratio | 11.7245% | 5,163 |
| Memoranda: | ||
| Average total assets | $990,783,750 | 773 |
| Average earning assets | $916,827,250 | 763 |
| Average equity | $98,516,250 | 858 |
| Average total loans | $803,988,500 | 692 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 1,395 |
| Cost of funding earning assets | 0.9056% | 721 |
| Net interest margin | 3.8402% | 2,419 |
| Noninterest income to average assets | 0.3492% | 3,831 |
| Noninterest expense to average assets | 3.2047% | 1,529 |
| Loan and lease loss provision to assets | -0.0057% | 5,294 |
| Net operating income to assets | 0.5789% | 4,571 |
| Return on assets (ROA) | 0.5789% | 4,565 |
| Pretax return on assets | 0.7055% | 4,496 |
| Return on Equity (ROE) | 5.8297% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.8297% | 2,650 |
| Net charge-offs to loans | 0.1598% | 963 |
| Credit loss provision to net charge-offs | -4.4515% | 3,918 |
| Earnings coverage of net charge-offs (x) | 5.4483% | 2,709 |
| Efficiency ratio | 82.0782% | 827 |
| Assets per employee ($millions) | 5.4168% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8867% | 4,399 |
| Loan loss allowance to noncurrent loans | 199.7473% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7203% | 2,074 |
| Noncurrent loans to loans | 0.4439% | 3,103 |
| Net loans and leases to total assets | 81.0967% | 842 |
| Net loans and leases to deposits | 99.9210% | 811 |
| Net loans and leases to core deposits | 107.5774% | 1,146 |
| Total domestic deposits to total assets | 81.1609% | 3,951 |
| Equity capital to assets | 10.3203% | 3,322 |
| Core capital (leverage) ratio | 9.4435% | 4,188 |
| Tier 1 risk-based capital ratio | 11.4289% | 4,822 |
| Total risk-based capital ratio | 12.3324% | 4,906 |
| Memoranda: | ||
| Average total assets | $979,514,000 | 779 |
| Average earning assets | $906,819,000 | 774 |
| Average equity | $97,260,670 | 868 |
| Average total loans | $787,224,670 | 704 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7522% | 1,184 |
| Cost of funding earning assets | 0.8458% | 781 |
| Net interest margin | 3.9064% | 2,024 |
| Noninterest income to average assets | 0.4008% | 3,462 |
| Noninterest expense to average assets | 3.1243% | 1,756 |
| Loan and lease loss provision to assets | 0.1307% | 1,446 |
| Net operating income to assets | 0.6288% | 4,341 |
| Return on assets (ROA) | 0.6288% | 4,350 |
| Pretax return on assets | 0.7689% | 4,225 |
| Return on Equity (ROE) | 6.4597% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.4597% | 2,522 |
| Net charge-offs to loans | 0.0857% | 1,294 |
| Credit loss provision to net charge-offs | 191.6168% | 1,072 |
| Earnings coverage of net charge-offs (x) | 13.1856% | 1,765 |
| Efficiency ratio | 77.6424% | 1,385 |
| Assets per employee ($millions) | 5.8066% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0013% | 3,949 |
| Loan loss allowance to noncurrent loans | 103.7857% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 1.0300% | 1,524 |
| Noncurrent loans to loans | 0.9647% | 1,889 |
| Net loans and leases to total assets | 78.8961% | 1,101 |
| Net loans and leases to deposits | 95.1975% | 1,108 |
| Net loans and leases to core deposits | 102.4630% | 1,488 |
| Total domestic deposits to total assets | 82.8762% | 3,707 |
| Equity capital to assets | 9.6284% | 3,961 |
| Core capital (leverage) ratio | 8.9006% | 4,803 |
| Tier 1 risk-based capital ratio | 11.0255% | 5,120 |
| Total risk-based capital ratio | 12.0531% | 5,136 |
| Memoranda: | ||
| Average total assets | $979,046,500 | 781 |
| Average earning assets | $908,047,500 | 772 |
| Average equity | $95,298,500 | 889 |
| Average total loans | $779,724,500 | 711 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 1,069 |
| Cost of funding earning assets | 0.7939% | 642 |
| Net interest margin | 3.9607% | 1,880 |
| Noninterest income to average assets | 0.3148% | 4,207 |
| Noninterest expense to average assets | 3.2158% | 1,574 |
| Loan and lease loss provision to assets | 0.4332% | 325 |
| Net operating income to assets | 0.1552% | 5,189 |
| Return on assets (ROA) | 0.1554% | 5,194 |
| Pretax return on assets | 0.3192% | 5,192 |
| Return on Equity (ROE) | 1.6259% | 5,130 |
| Retained earnings to average equity (ytd only) | 1.6259% | 4,330 |
| Net charge-offs to loans | 0.2862% | 923 |
| Credit loss provision to net charge-offs | 189.4951% | 1,439 |
| Earnings coverage of net charge-offs (x) | 3.2902% | 3,630 |
| Efficiency ratio | 81.0452% | 1,012 |
| Assets per employee ($millions) | 6.1157% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 5,069 |
| Loan loss allowance to noncurrent loans | 73.6139% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 1.2101% | 1,218 |
| Noncurrent loans to loans | 0.9543% | 1,856 |
| Net loans and leases to total assets | 79.0491% | 1,110 |
| Net loans and leases to deposits | 97.3303% | 959 |
| Net loans and leases to core deposits | 105.2663% | 1,319 |
| Total domestic deposits to total assets | 81.2173% | 4,065 |
| Equity capital to assets | 9.9331% | 3,777 |
| Core capital (leverage) ratio | 9.1528% | 4,456 |
| Tier 1 risk-based capital ratio | 11.7782% | 4,673 |
| Total risk-based capital ratio | 12.5045% | 4,889 |
| Memoranda: | ||
| Average total assets | $753,757,600 | 982 |
| Average earning assets | $695,202,600 | 982 |
| Average equity | $72,022,400 | 1,104 |
| Average total loans | $602,105,800 | 864 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7952% | 935 |
| Cost of funding earning assets | 0.7658% | 701 |
| Net interest margin | 4.0294% | 1,607 |
| Noninterest income to average assets | 0.3814% | 3,802 |
| Noninterest expense to average assets | 3.2640% | 1,428 |
| Loan and lease loss provision to assets | 0.3488% | 429 |
| Net operating income to assets | 0.3514% | 5,106 |
| Return on assets (ROA) | 0.3517% | 5,128 |
| Pretax return on assets | 0.4756% | 5,077 |
| Return on Equity (ROE) | 3.7314% | 4,936 |
| Retained earnings to average equity (ytd only) | 3.7314% | 3,705 |
| Net charge-offs to loans | 0.1844% | 1,141 |
| Credit loss provision to net charge-offs | 236.5161% | 1,178 |
| Earnings coverage of net charge-offs (x) | 5.5871% | 3,085 |
| Efficiency ratio | 79.8436% | 1,123 |
| Assets per employee ($millions) | 5.7887% | 1,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 5,222 |
| Loan loss allowance to noncurrent loans | 84.6524% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1486% | 1,439 |
| Noncurrent loans to loans | 0.7804% | 2,417 |
| Net loans and leases to total assets | 77.4628% | 1,357 |
| Net loans and leases to deposits | 96.2201% | 1,099 |
| Net loans and leases to core deposits | 103.4774% | 1,436 |
| Total domestic deposits to total assets | 80.5059% | 4,205 |
| Equity capital to assets | 9.2760% | 4,662 |
| Core capital (leverage) ratio | 8.7490% | 5,016 |
| Tier 1 risk-based capital ratio | 11.0419% | 5,224 |
| Total risk-based capital ratio | 11.7353% | 5,392 |
| Memoranda: | ||
| Average total assets | $700,628,750 | 1,050 |
| Average earning assets | $644,512,750 | 1,050 |
| Average equity | $66,032,750 | 1,213 |
| Average total loans | $560,323,750 | 918 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8399% | 790 |
| Cost of funding earning assets | 0.7522% | 680 |
| Net interest margin | 4.0877% | 1,362 |
| Noninterest income to average assets | 0.4147% | 3,602 |
| Noninterest expense to average assets | 3.4986% | 1,014 |
| Loan and lease loss provision to assets | 0.2462% | 682 |
| Net operating income to assets | 0.3188% | 5,175 |
| Return on assets (ROA) | 0.3193% | 5,195 |
| Pretax return on assets | 0.4248% | 5,132 |
| Return on Equity (ROE) | 3.3601% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.3601% | 3,716 |
| Net charge-offs to loans | 0.1524% | 1,241 |
| Credit loss provision to net charge-offs | 199.4737% | 1,279 |
| Earnings coverage of net charge-offs (x) | 5.4316% | 2,826 |
| Efficiency ratio | 83.9202% | 854 |
| Assets per employee ($millions) | 4.9035% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 5,378 |
| Loan loss allowance to noncurrent loans | 68.0629% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.3431% | 1,201 |
| Noncurrent loans to loans | 0.8831% | 2,211 |
| Net loans and leases to total assets | 81.2636% | 777 |
| Net loans and leases to deposits | 101.7366% | 624 |
| Net loans and leases to core deposits | 109.0098% | 1,051 |
| Total domestic deposits to total assets | 79.8765% | 4,438 |
| Equity capital to assets | 10.1557% | 3,727 |
| Core capital (leverage) ratio | 9.4764% | 4,150 |
| Tier 1 risk-based capital ratio | 13.0972% | 3,944 |
| Total risk-based capital ratio | 13.7921% | 4,176 |
| Memoranda: | ||
| Average total assets | $615,793,670 | 1,185 |
| Average earning assets | $565,552,000 | 1,181 |
| Average equity | $58,511,000 | 1,348 |
| Average total loans | $498,833,670 | 1,025 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2324% | 2,158 |
| Cost of funding earning assets | 0.7036% | 832 |
| Net interest margin | 3.5288% | 3,168 |
| Noninterest income to average assets | 0.4535% | 3,291 |
| Noninterest expense to average assets | 3.4865% | 1,065 |
| Loan and lease loss provision to assets | 0.1544% | 1,183 |
| Net operating income to assets | 0.0983% | 5,517 |
| Return on assets (ROA) | 0.0943% | 5,532 |
| Pretax return on assets | 0.0569% | 5,565 |
| Return on Equity (ROE) | 1.0559% | 5,484 |
| Retained earnings to average equity (ytd only) | 1.0559% | 4,633 |
| Net charge-offs to loans | 0.0597% | 1,738 |
| Credit loss provision to net charge-offs | 322.0339% | 754 |
| Earnings coverage of net charge-offs (x) | 4.4915% | 2,381 |
| Efficiency ratio | 94.1822% | 376 |
| Assets per employee ($millions) | 4.6843% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 4,362 |
| Loan loss allowance to noncurrent loans | 68.6082% | 4,241 |
| Noncurrent assets plus other real estate owned to assets | 1.6472% | 934 |
| Noncurrent loans to loans | 1.4361% | 1,404 |
| Net loans and leases to total assets | 80.0575% | 819 |
| Net loans and leases to deposits | 104.4033% | 385 |
| Net loans and leases to core deposits | 110.9088% | 838 |
| Total domestic deposits to total assets | 76.6809% | 5,153 |
| Equity capital to assets | 8.8068% | 4,994 |
| Core capital (leverage) ratio | 8.9892% | 4,750 |
| Tier 1 risk-based capital ratio | 12.0442% | 4,683 |
| Total risk-based capital ratio | 13.1503% | 4,682 |
| Memoranda: | ||
| Average total assets | $492,179,500 | 1,440 |
| Average earning assets | $453,078,000 | 1,446 |
| Average equity | $43,943,500 | 1,712 |
| Average total loans | $395,468,500 | 1,252 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 2,415 |
| Cost of funding earning assets | 0.7202% | 743 |
| Net interest margin | 3.5019% | 3,424 |
| Noninterest income to average assets | 0.6879% | 2,229 |
| Noninterest expense to average assets | 3.0324% | 2,244 |
| Loan and lease loss provision to assets | 0.0623% | 3,125 |
| Net operating income to assets | 0.6150% | 4,144 |
| Return on assets (ROA) | 0.6797% | 3,987 |
| Pretax return on assets | 0.9051% | 3,834 |
| Return on Equity (ROE) | 7.4337% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.4337% | 1,063 |
| Net charge-offs to loans | 0.1716% | 1,589 |
| Credit loss provision to net charge-offs | 46.2903% | 3,424 |
| Earnings coverage of net charge-offs (x) | 6.5435% | 3,158 |
| Efficiency ratio | 77.4824% | 1,776 |
| Assets per employee ($millions) | 4.5153% | 3,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0016% | 4,315 |
| Loan loss allowance to noncurrent loans | 72.9005% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.6130% | 985 |
| Noncurrent loans to loans | 1.3740% | 1,492 |
| Net loans and leases to total assets | 79.0284% | 1,042 |
| Net loans and leases to deposits | 99.5038% | 701 |
| Net loans and leases to core deposits | 104.7392% | 1,228 |
| Total domestic deposits to total assets | 79.4225% | 4,692 |
| Equity capital to assets | 9.0544% | 4,758 |
| Core capital (leverage) ratio | 9.1767% | 4,512 |
| Tier 1 risk-based capital ratio | 12.5605% | 4,349 |
| Total risk-based capital ratio | 13.6859% | 4,306 |
| Memoranda: | ||
| Average total assets | $460,366,400 | 1,480 |
| Average earning assets | $424,057,400 | 1,488 |
| Average equity | $42,092,000 | 1,760 |
| Average total loans | $361,390,000 | 1,302 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,430 |
| Cost of funding earning assets | 0.7340% | 685 |
| Net interest margin | 3.4931% | 3,499 |
| Noninterest income to average assets | 0.6645% | 2,344 |
| Noninterest expense to average assets | 3.0491% | 2,169 |
| Loan and lease loss provision to assets | 0.1193% | 1,943 |
| Net operating income to assets | 0.5295% | 4,575 |
| Return on assets (ROA) | 0.5841% | 4,471 |
| Pretax return on assets | 0.7865% | 4,346 |
| Return on Equity (ROE) | 6.3724% | 3,895 |
| Retained earnings to average equity (ytd only) | 6.3724% | 1,976 |
| Net charge-offs to loans | 0.3235% | 716 |
| Credit loss provision to net charge-offs | 47.2158% | 3,069 |
| Earnings coverage of net charge-offs (x) | 3.2912% | 3,442 |
| Efficiency ratio | 78.5644% | 1,606 |
| Assets per employee ($millions) | 4.2950% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 4,330 |
| Loan loss allowance to noncurrent loans | 74.2851% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 1.6815% | 1,014 |
| Noncurrent loans to loans | 1.3646% | 1,617 |
| Net loans and leases to total assets | 78.7523% | 1,073 |
| Net loans and leases to deposits | 96.2542% | 1,025 |
| Net loans and leases to core deposits | 101.5495% | 1,512 |
| Total domestic deposits to total assets | 81.8170% | 3,997 |
| Equity capital to assets | 9.2620% | 4,902 |
| Core capital (leverage) ratio | 8.9059% | 4,934 |
| Tier 1 risk-based capital ratio | 12.5012% | 4,475 |
| Total risk-based capital ratio | 13.6287% | 4,456 |
| Memoranda: | ||
| Average total assets | $454,674,500 | 1,498 |
| Average earning assets | $418,684,000 | 1,503 |
| Average equity | $41,678,750 | 1,787 |
| Average total loans | $355,318,500 | 1,321 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 2,528 |
| Cost of funding earning assets | 0.7379% | 668 |
| Net interest margin | 3.4563% | 3,659 |
| Noninterest income to average assets | 0.6120% | 2,557 |
| Noninterest expense to average assets | 3.0721% | 2,134 |
| Loan and lease loss provision to assets | 0.0655% | 2,830 |
| Net operating income to assets | 0.4953% | 4,698 |
| Return on assets (ROA) | 0.5319% | 4,670 |
| Pretax return on assets | 0.7072% | 4,595 |
| Return on Equity (ROE) | 5.8229% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.8229% | 2,226 |
| Net charge-offs to loans | 0.4699% | 468 |
| Credit loss provision to net charge-offs | 17.9612% | 2,945 |
| Earnings coverage of net charge-offs (x) | 1.9842% | 3,345 |
| Efficiency ratio | 80.9263% | 1,388 |
| Assets per employee ($millions) | 3.9226% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,499 |
| Loan loss allowance to noncurrent loans | 65.6487% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.7379% | 1,019 |
| Noncurrent loans to loans | 1.5274% | 1,423 |
| Net loans and leases to total assets | 75.6552% | 1,547 |
| Net loans and leases to deposits | 92.2726% | 1,477 |
| Net loans and leases to core deposits | 97.3937% | 1,855 |
| Total domestic deposits to total assets | 81.9910% | 4,002 |
| Equity capital to assets | 9.1306% | 5,132 |
| Core capital (leverage) ratio | 9.0847% | 4,735 |
| Tier 1 risk-based capital ratio | 12.8873% | 4,265 |
| Total risk-based capital ratio | 14.0108% | 4,249 |
| Memoranda: | ||
| Average total assets | $451,611,670 | 1,519 |
| Average earning assets | $416,046,670 | 1,514 |
| Average equity | $41,250,670 | 1,800 |
| Average total loans | $350,743,330 | 1,331 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2343% | 2,350 |
| Cost of funding earning assets | 0.7525% | 624 |
| Net interest margin | 3.4818% | 3,552 |
| Noninterest income to average assets | 0.5704% | 2,675 |
| Noninterest expense to average assets | 3.1651% | 1,917 |
| Loan and lease loss provision to assets | -0.0314% | 5,927 |
| Net operating income to assets | 0.4900% | 4,668 |
| Return on assets (ROA) | 0.4942% | 4,750 |
| Pretax return on assets | 0.6458% | 4,686 |
| Return on Equity (ROE) | 5.4093% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.4093% | 2,707 |
| Net charge-offs to loans | 0.0905% | 1,600 |
| Credit loss provision to net charge-offs | -44.3038% | 4,141 |
| Earnings coverage of net charge-offs (x) | 8.5949% | 2,040 |
| Efficiency ratio | 83.7928% | 1,178 |
| Assets per employee ($millions) | 3.9488% | 4,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,654 |
| Loan loss allowance to noncurrent loans | 80.1835% | 4,080 |
| Noncurrent assets plus other real estate owned to assets | 1.7673% | 1,060 |
| Noncurrent loans to loans | 1.4606% | 1,615 |
| Net loans and leases to total assets | 78.3651% | 1,052 |
| Net loans and leases to deposits | 97.0394% | 843 |
| Net loans and leases to core deposits | 104.0106% | 1,191 |
| Total domestic deposits to total assets | 80.7560% | 4,563 |
| Equity capital to assets | 9.3684% | 4,817 |
| Core capital (leverage) ratio | 9.0289% | 4,816 |
| Tier 1 risk-based capital ratio | 12.6416% | 4,493 |
| Total risk-based capital ratio | 13.8922% | 4,401 |
| Memoranda: | ||
| Average total assets | $445,986,000 | 1,538 |
| Average earning assets | $410,366,500 | 1,533 |
| Average equity | $40,745,000 | 1,816 |
| Average total loans | $349,251,500 | 1,336 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3032% | 2,221 |
| Cost of funding earning assets | 0.7306% | 702 |
| Net interest margin | 3.5726% | 3,237 |
| Noninterest income to average assets | 0.6053% | 2,690 |
| Noninterest expense to average assets | 3.3671% | 1,556 |
| Loan and lease loss provision to assets | 0.2194% | 937 |
| Net operating income to assets | 0.2653% | 5,445 |
| Return on assets (ROA) | 0.2748% | 5,505 |
| Pretax return on assets | 0.2910% | 5,538 |
| Return on Equity (ROE) | 3.0135% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.0135% | 3,910 |
| Net charge-offs to loans | 0.1810% | 1,592 |
| Credit loss provision to net charge-offs | 156.2069% | 1,713 |
| Earnings coverage of net charge-offs (x) | 3.5621% | 3,710 |
| Efficiency ratio | 86.9960% | 910 |
| Assets per employee ($millions) | 3.6599% | 4,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0155% | 4,509 |
| Loan loss allowance to noncurrent loans | 83.7960% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 1,557 |
| Noncurrent loans to loans | 1.2118% | 1,945 |
| Net loans and leases to total assets | 76.4795% | 1,334 |
| Net loans and leases to deposits | 95.6238% | 1,056 |
| Net loans and leases to core deposits | 101.3596% | 1,417 |
| Total domestic deposits to total assets | 79.9796% | 4,750 |
| Equity capital to assets | 8.9996% | 5,124 |
| Core capital (leverage) ratio | 9.2129% | 4,592 |
| Tier 1 risk-based capital ratio | 12.5310% | 4,609 |
| Total risk-based capital ratio | 13.6531% | 4,588 |
| Memoranda: | ||
| Average total assets | $413,001,200 | 1,595 |
| Average earning assets | $377,094,600 | 1,616 |
| Average equity | $37,664,400 | 1,898 |
| Average total loans | $320,383,600 | 1,387 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3232% | 2,161 |
| Cost of funding earning assets | 0.7240% | 739 |
| Net interest margin | 3.5992% | 3,163 |
| Noninterest income to average assets | 0.6427% | 2,517 |
| Noninterest expense to average assets | 3.3703% | 1,534 |
| Loan and lease loss provision to assets | 0.1169% | 1,940 |
| Net operating income to assets | 0.3582% | 5,294 |
| Return on assets (ROA) | 0.3593% | 5,375 |
| Pretax return on assets | 0.4353% | 5,389 |
| Return on Equity (ROE) | 3.9257% | 5,052 |
| Retained earnings to average equity (ytd only) | 3.9257% | 3,670 |
| Net charge-offs to loans | 0.0787% | 2,423 |
| Credit loss provision to net charge-offs | 191.3514% | 1,384 |
| Earnings coverage of net charge-offs (x) | 9.0162% | 2,745 |
| Efficiency ratio | 85.8755% | 1,011 |
| Assets per employee ($millions) | 3.4348% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 4,690 |
| Loan loss allowance to noncurrent loans | 87.1384% | 3,988 |
| Noncurrent assets plus other real estate owned to assets | 1.4711% | 1,532 |
| Noncurrent loans to loans | 1.1600% | 2,200 |
| Net loans and leases to total assets | 78.2078% | 1,071 |
| Net loans and leases to deposits | 97.2249% | 887 |
| Net loans and leases to core deposits | 103.2473% | 1,287 |
| Total domestic deposits to total assets | 80.4401% | 4,628 |
| Equity capital to assets | 9.3299% | 4,969 |
| Core capital (leverage) ratio | 9.1900% | 4,741 |
| Tier 1 risk-based capital ratio | 12.7398% | 4,586 |
| Total risk-based capital ratio | 13.8593% | 4,582 |
| Memoranda: | ||
| Average total assets | $403,710,250 | 1,650 |
| Average earning assets | $367,739,500 | 1,663 |
| Average equity | $36,952,250 | 1,945 |
| Average total loans | $313,525,500 | 1,418 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3459% | 2,026 |
| Cost of funding earning assets | 0.6987% | 847 |
| Net interest margin | 3.6472% | 2,915 |
| Noninterest income to average assets | 0.6884% | 2,262 |
| Noninterest expense to average assets | 3.3981% | 1,476 |
| Loan and lease loss provision to assets | 0.1359% | 1,612 |
| Net operating income to assets | 0.3846% | 5,186 |
| Return on assets (ROA) | 0.3855% | 5,292 |
| Pretax return on assets | 0.4705% | 5,303 |
| Return on Equity (ROE) | 4.2402% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.2402% | 3,335 |
| Net charge-offs to loans | 0.0228% | 3,208 |
| Credit loss provision to net charge-offs | 771.4286% | 442 |
| Earnings coverage of net charge-offs (x) | 34.3714% | 1,247 |
| Efficiency ratio | 84.8039% | 1,176 |
| Assets per employee ($millions) | 3.8658% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 4,423 |
| Loan loss allowance to noncurrent loans | 71.0244% | 4,460 |
| Noncurrent assets plus other real estate owned to assets | 1.8047% | 1,274 |
| Noncurrent loans to loans | 1.5246% | 1,743 |
| Net loans and leases to total assets | 75.9470% | 1,375 |
| Net loans and leases to deposits | 93.9228% | 1,156 |
| Net loans and leases to core deposits | 99.4844% | 1,534 |
| Total domestic deposits to total assets | 80.8611% | 4,648 |
| Equity capital to assets | 9.1472% | 5,086 |
| Core capital (leverage) ratio | 9.1716% | 4,728 |
| Tier 1 risk-based capital ratio | 12.8610% | 4,593 |
| Total risk-based capital ratio | 14.0544% | 4,538 |
| Memoranda: | ||
| Average total assets | $397,453,330 | 1,684 |
| Average earning assets | $361,264,000 | 1,697 |
| Average equity | $36,130,670 | 1,990 |
| Average total loans | $306,771,670 | 1,447 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4187% | 1,698 |
| Cost of funding earning assets | 0.6821% | 937 |
| Net interest margin | 3.7367% | 2,482 |
| Noninterest income to average assets | 0.6739% | 2,284 |
| Noninterest expense to average assets | 3.5063% | 1,295 |
| Loan and lease loss provision to assets | 0.0668% | 2,602 |
| Net operating income to assets | 0.3947% | 5,084 |
| Return on assets (ROA) | 0.3914% | 5,215 |
| Pretax return on assets | 0.4849% | 5,221 |
| Return on Equity (ROE) | 4.3200% | 4,836 |
| Retained earnings to average equity (ytd only) | 4.3200% | 3,420 |
| Net charge-offs to loans | 0.0305% | 2,581 |
| Credit loss provision to net charge-offs | 282.6087% | 847 |
| Earnings coverage of net charge-offs (x) | 23.5217% | 1,322 |
| Efficiency ratio | 86.2418% | 1,163 |
| Assets per employee ($millions) | 3.4596% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 4,673 |
| Loan loss allowance to noncurrent loans | 97.2156% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.5611% | 1,653 |
| Noncurrent loans to loans | 1.0977% | 2,571 |
| Net loans and leases to total assets | 77.0036% | 1,057 |
| Net loans and leases to deposits | 97.2291% | 749 |
| Net loans and leases to core deposits | 103.3476% | 1,106 |
| Total domestic deposits to total assets | 79.1981% | 5,233 |
| Equity capital to assets | 9.2896% | 4,983 |
| Core capital (leverage) ratio | 9.0758% | 4,871 |
| Tier 1 risk-based capital ratio | 12.8259% | 4,714 |
| Total risk-based capital ratio | 14.0101% | 4,666 |
| Memoranda: | ||
| Average total assets | $389,357,500 | 1,716 |
| Average earning assets | $353,042,500 | 1,739 |
| Average equity | $35,277,500 | 2,050 |
| Average total loans | $301,362,500 | 1,473 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6057% | 1,543 |
| Cost of funding earning assets | 0.7020% | 1,096 |
| Net interest margin | 3.9037% | 2,228 |
| Noninterest income to average assets | 0.8240% | 1,781 |
| Noninterest expense to average assets | 3.5474% | 1,394 |
| Loan and lease loss provision to assets | 0.1767% | 1,460 |
| Net operating income to assets | 0.4841% | 4,874 |
| Return on assets (ROA) | 0.4785% | 4,988 |
| Pretax return on assets | 0.6237% | 4,858 |
| Return on Equity (ROE) | 5.0773% | 4,621 |
| Retained earnings to average equity (ytd only) | 5.0773% | 2,545 |
| Net charge-offs to loans | 0.1242% | 2,788 |
| Credit loss provision to net charge-offs | 184.0361% | 1,328 |
| Earnings coverage of net charge-offs (x) | 8.4127% | 2,882 |
| Efficiency ratio | 81.3770% | 1,727 |
| Assets per employee ($millions) | 3.5577% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0739% | 4,672 |
| Loan loss allowance to noncurrent loans | 162.8557% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 1.2272% | 2,317 |
| Noncurrent loans to loans | 0.6594% | 3,704 |
| Net loans and leases to total assets | 76.1357% | 1,247 |
| Net loans and leases to deposits | 95.2126% | 968 |
| Net loans and leases to core deposits | 100.5733% | 1,357 |
| Total domestic deposits to total assets | 79.9638% | 5,029 |
| Equity capital to assets | 8.8294% | 5,453 |
| Core capital (leverage) ratio | 9.0677% | 4,875 |
| Tier 1 risk-based capital ratio | 12.1279% | 5,282 |
| Total risk-based capital ratio | 13.2972% | 5,238 |
| Memoranda: | ||
| Average total assets | $345,857,200 | 1,883 |
| Average earning assets | $312,828,800 | 1,916 |
| Average equity | $32,596,000 | 2,133 |
| Average total loans | $267,383,600 | 1,589 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,479 |
| Cost of funding earning assets | 0.7176% | 1,059 |
| Net interest margin | 3.9168% | 2,170 |
| Noninterest income to average assets | 0.8778% | 1,596 |
| Noninterest expense to average assets | 3.6436% | 1,218 |
| Loan and lease loss provision to assets | 0.1797% | 1,365 |
| Net operating income to assets | 0.4569% | 5,044 |
| Return on assets (ROA) | 0.4492% | 5,154 |
| Pretax return on assets | 0.5836% | 5,074 |
| Return on Equity (ROE) | 4.6811% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.6811% | 3,300 |
| Net charge-offs to loans | 0.1161% | 2,641 |
| Credit loss provision to net charge-offs | 200.0000% | 1,260 |
| Earnings coverage of net charge-offs (x) | 8.6061% | 2,772 |
| Efficiency ratio | 82.4122% | 1,562 |
| Assets per employee ($millions) | 3.4269% | 5,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 4,505 |
| Loan loss allowance to noncurrent loans | 141.0474% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 1.4657% | 2,102 |
| Noncurrent loans to loans | 0.8149% | 3,538 |
| Net loans and leases to total assets | 78.2909% | 928 |
| Net loans and leases to deposits | 96.9357% | 800 |
| Net loans and leases to core deposits | 99.9598% | 1,371 |
| Total domestic deposits to total assets | 80.7658% | 4,896 |
| Equity capital to assets | 9.5453% | 4,737 |
| Core capital (leverage) ratio | 9.2605% | 4,693 |
| Tier 1 risk-based capital ratio | 12.4191% | 5,211 |
| Total risk-based capital ratio | 13.6572% | 5,153 |
| Memoranda: | ||
| Average total assets | $335,375,500 | 1,952 |
| Average earning assets | $303,030,000 | 1,995 |
| Average equity | $32,185,250 | 2,160 |
| Average total loans | $259,617,750 | 1,638 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 1,431 |
| Cost of funding earning assets | 0.7329% | 1,007 |
| Net interest margin | 3.9042% | 2,145 |
| Noninterest income to average assets | 0.8059% | 1,816 |
| Noninterest expense to average assets | 3.6275% | 1,245 |
| Loan and lease loss provision to assets | 0.1579% | 1,574 |
| Net operating income to assets | 0.4257% | 5,112 |
| Return on assets (ROA) | 0.4177% | 5,231 |
| Pretax return on assets | 0.5329% | 5,183 |
| Return on Equity (ROE) | 4.3447% | 5,003 |
| Retained earnings to average equity (ytd only) | 4.3447% | 3,410 |
| Net charge-offs to loans | 0.1680% | 2,050 |
| Credit loss provision to net charge-offs | 122.4299% | 1,701 |
| Earnings coverage of net charge-offs (x) | 5.4346% | 2,929 |
| Efficiency ratio | 83.7209% | 1,546 |
| Assets per employee ($millions) | 3.1636% | 5,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 4,685 |
| Loan loss allowance to noncurrent loans | 166.5546% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.3837% | 2,361 |
| Noncurrent loans to loans | 0.6873% | 3,998 |
| Net loans and leases to total assets | 75.8432% | 1,188 |
| Net loans and leases to deposits | 94.8654% | 893 |
| Net loans and leases to core deposits | 97.7617% | 1,458 |
| Total domestic deposits to total assets | 79.9482% | 5,247 |
| Equity capital to assets | 9.5959% | 4,631 |
| Core capital (leverage) ratio | 9.5640% | 4,232 |
| Tier 1 risk-based capital ratio | 12.8831% | 4,988 |
| Total risk-based capital ratio | 14.1118% | 4,936 |
| Memoranda: | ||
| Average total assets | $331,794,670 | 1,968 |
| Average earning assets | $299,373,670 | 2,011 |
| Average equity | $31,901,000 | 2,163 |
| Average total loans | $254,780,330 | 1,664 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 1,523 |
| Cost of funding earning assets | 0.7549% | 951 |
| Net interest margin | 3.8391% | 2,305 |
| Noninterest income to average assets | 1.0961% | 931 |
| Noninterest expense to average assets | 3.6524% | 1,206 |
| Loan and lease loss provision to assets | 0.2010% | 1,161 |
| Net operating income to assets | 0.5185% | 4,592 |
| Return on assets (ROA) | 0.5176% | 4,672 |
| Pretax return on assets | 0.7100% | 4,461 |
| Return on Equity (ROE) | 5.3780% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.3780% | 2,869 |
| Net charge-offs to loans | 0.2235% | 1,429 |
| Credit loss provision to net charge-offs | 117.0213% | 1,487 |
| Earnings coverage of net charge-offs (x) | 5.3121% | 2,389 |
| Efficiency ratio | 79.9360% | 2,220 |
| Assets per employee ($millions) | 3.3095% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 4,809 |
| Loan loss allowance to noncurrent loans | 126.5009% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.7916% | 1,960 |
| Noncurrent loans to loans | 0.9196% | 3,582 |
| Net loans and leases to total assets | 76.5009% | 942 |
| Net loans and leases to deposits | 92.5447% | 911 |
| Net loans and leases to core deposits | 95.6001% | 1,410 |
| Total domestic deposits to total assets | 82.6637% | 4,731 |
| Equity capital to assets | 9.7619% | 4,151 |
| Core capital (leverage) ratio | 9.5715% | 4,175 |
| Tier 1 risk-based capital ratio | 12.9226% | 5,040 |
| Total risk-based capital ratio | 14.1552% | 5,000 |
| Memoranda: | ||
| Average total assets | $328,437,500 | 1,991 |
| Average earning assets | $296,732,500 | 2,033 |
| Average equity | $31,610,000 | 2,175 |
| Average total loans | $252,316,000 | 1,683 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5325% | 2,083 |
| Cost of funding earning assets | 0.9414% | 601 |
| Net interest margin | 3.5912% | 3,498 |
| Noninterest income to average assets | 1.1500% | 1,065 |
| Noninterest expense to average assets | 3.6845% | 1,310 |
| Loan and lease loss provision to assets | 0.2334% | 1,542 |
| Net operating income to assets | 0.3750% | 5,244 |
| Return on assets (ROA) | 0.3741% | 5,361 |
| Pretax return on assets | 0.4833% | 5,248 |
| Return on Equity (ROE) | 4.0594% | 5,083 |
| Retained earnings to average equity (ytd only) | 4.0594% | 3,298 |
| Net charge-offs to loans | 0.3904% | 1,723 |
| Credit loss provision to net charge-offs | 82.2034% | 2,982 |
| Earnings coverage of net charge-offs (x) | 2.5286% | 4,169 |
| Efficiency ratio | 83.6123% | 1,676 |
| Assets per employee ($millions) | 3.3942% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1652% | 4,834 |
| Loan loss allowance to noncurrent loans | 106.2092% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 2.0201% | 1,777 |
| Noncurrent loans to loans | 1.0971% | 3,337 |
| Net loans and leases to total assets | 75.3594% | 1,172 |
| Net loans and leases to deposits | 90.9890% | 1,155 |
| Net loans and leases to core deposits | 93.4793% | 1,638 |
| Total domestic deposits to total assets | 82.8225% | 4,601 |
| Equity capital to assets | 9.4875% | 4,444 |
| Core capital (leverage) ratio | 9.1997% | 4,724 |
| Tier 1 risk-based capital ratio | 12.7797% | 5,129 |
| Total risk-based capital ratio | 14.0055% | 5,086 |
| Memoranda: | ||
| Average total assets | $332,530,600 | 1,934 |
| Average earning assets | $301,155,800 | 1,968 |
| Average equity | $30,644,800 | 2,218 |
| Average total loans | $241,804,800 | 1,713 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5212% | 2,151 |
| Cost of funding earning assets | 0.9601% | 606 |
| Net interest margin | 3.5610% | 3,613 |
| Noninterest income to average assets | 1.1651% | 1,080 |
| Noninterest expense to average assets | 3.6705% | 1,287 |
| Loan and lease loss provision to assets | 0.2264% | 1,600 |
| Net operating income to assets | 0.3753% | 5,353 |
| Return on assets (ROA) | 0.4252% | 5,283 |
| Pretax return on assets | 0.5604% | 5,170 |
| Return on Equity (ROE) | 4.6473% | 4,904 |
| Retained earnings to average equity (ytd only) | 4.6473% | 3,360 |
| Net charge-offs to loans | 0.3791% | 1,689 |
| Credit loss provision to net charge-offs | 83.1131% | 2,774 |
| Earnings coverage of net charge-offs (x) | 2.6476% | 3,952 |
| Efficiency ratio | 83.4973% | 1,659 |
| Assets per employee ($millions) | 3.5168% | 4,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1963% | 4,881 |
| Loan loss allowance to noncurrent loans | 120.0726% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.9132% | 2,118 |
| Noncurrent loans to loans | 0.9963% | 3,815 |
| Net loans and leases to total assets | 73.6465% | 1,336 |
| Net loans and leases to deposits | 88.7683% | 1,288 |
| Net loans and leases to core deposits | 91.0432% | 1,865 |
| Total domestic deposits to total assets | 82.9649% | 4,586 |
| Equity capital to assets | 9.2148% | 4,913 |
| Core capital (leverage) ratio | 9.1191% | 4,941 |
| Tier 1 risk-based capital ratio | 12.7389% | 5,303 |
| Total risk-based capital ratio | 13.9891% | 5,242 |
| Memoranda: | ||
| Average total assets | $333,355,000 | 1,938 |
| Average earning assets | $302,038,500 | 1,970 |
| Average equity | $30,497,000 | 2,246 |
| Average total loans | $239,497,750 | 1,726 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4757% | 2,288 |
| Cost of funding earning assets | 0.9813% | 594 |
| Net interest margin | 3.4945% | 3,801 |
| Noninterest income to average assets | 0.9114% | 1,781 |
| Noninterest expense to average assets | 3.5904% | 1,426 |
| Loan and lease loss provision to assets | 0.1573% | 2,351 |
| Net operating income to assets | 0.2694% | 5,718 |
| Return on assets (ROA) | 0.3410% | 5,612 |
| Pretax return on assets | 0.4317% | 5,574 |
| Return on Equity (ROE) | 3.7368% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.7368% | 3,925 |
| Net charge-offs to loans | 0.3157% | 1,925 |
| Credit loss provision to net charge-offs | 70.2413% | 2,820 |
| Earnings coverage of net charge-offs (x) | 2.2252% | 3,786 |
| Efficiency ratio | 87.7239% | 1,248 |
| Assets per employee ($millions) | 3.2121% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 4,647 |
| Loan loss allowance to noncurrent loans | 119.7511% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.7488% | 2,493 |
| Noncurrent loans to loans | 1.0607% | 3,806 |
| Net loans and leases to total assets | 69.4089% | 1,996 |
| Net loans and leases to deposits | 84.0845% | 1,796 |
| Net loans and leases to core deposits | 86.1489% | 2,319 |
| Total domestic deposits to total assets | 82.5466% | 4,868 |
| Equity capital to assets | 9.0947% | 5,109 |
| Core capital (leverage) ratio | 9.0577% | 4,899 |
| Tier 1 risk-based capital ratio | 13.2267% | 4,975 |
| Total risk-based capital ratio | 14.4775% | 4,915 |
| Memoranda: | ||
| Average total assets | $333,109,330 | 1,950 |
| Average earning assets | $302,876,670 | 1,973 |
| Average equity | $30,400,670 | 2,253 |
| Average total loans | $236,321,670 | 1,741 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 2,296 |
| Cost of funding earning assets | 1.0173% | 558 |
| Net interest margin | 3.4479% | 3,919 |
| Noninterest income to average assets | 0.9704% | 1,556 |
| Noninterest expense to average assets | 3.5487% | 1,529 |
| Loan and lease loss provision to assets | 0.0998% | 3,012 |
| Net operating income to assets | 0.3640% | 5,289 |
| Return on assets (ROA) | 0.3668% | 5,407 |
| Pretax return on assets | 0.4762% | 5,337 |
| Return on Equity (ROE) | 4.0118% | 5,085 |
| Retained earnings to average equity (ytd only) | 4.0118% | 3,824 |
| Net charge-offs to loans | 0.2413% | 2,004 |
| Credit loss provision to net charge-offs | 58.0420% | 2,484 |
| Earnings coverage of net charge-offs (x) | 3.3287% | 2,786 |
| Efficiency ratio | 86.0228% | 1,514 |
| Assets per employee ($millions) | 3.3466% | 5,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 4,749 |
| Loan loss allowance to noncurrent loans | 60.9972% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 2.6332% | 1,726 |
| Noncurrent loans to loans | 2.1177% | 2,477 |
| Net loans and leases to total assets | 70.6915% | 1,554 |
| Net loans and leases to deposits | 84.9297% | 1,480 |
| Net loans and leases to core deposits | 86.9782% | 2,014 |
| Total domestic deposits to total assets | 83.2353% | 4,781 |
| Equity capital to assets | 9.3111% | 5,116 |
| Core capital (leverage) ratio | 8.8629% | 5,104 |
| Tier 1 risk-based capital ratio | 13.3073% | 5,006 |
| Total risk-based capital ratio | 14.5589% | 4,960 |
| Memoranda: | ||
| Average total assets | $332,633,500 | 1,974 |
| Average earning assets | $303,954,000 | 1,983 |
| Average equity | $30,410,000 | 2,272 |
| Average total loans | $237,057,000 | 1,751 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8445% | 2,040 |
| Cost of funding earning assets | 1.1763% | 642 |
| Net interest margin | 3.6682% | 3,790 |
| Noninterest income to average assets | 0.8802% | 1,930 |
| Noninterest expense to average assets | 3.6632% | 1,479 |
| Loan and lease loss provision to assets | 0.5873% | 945 |
| Net operating income to assets | -0.0383% | 6,224 |
| Return on assets (ROA) | 0.1903% | 5,979 |
| Pretax return on assets | 0.2476% | 5,914 |
| Return on Equity (ROE) | 2.2215% | 5,841 |
| Retained earnings to average equity (ytd only) | 2.2215% | 4,675 |
| Net charge-offs to loans | 0.8276% | 1,406 |
| Credit loss provision to net charge-offs | 95.2261% | 3,265 |
| Earnings coverage of net charge-offs (x) | 0.8724% | 5,036 |
| Efficiency ratio | 87.1044% | 1,322 |
| Assets per employee ($millions) | 3.3396% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,665 |
| Loan loss allowance to noncurrent loans | 52.6638% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 2.6759% | 1,803 |
| Noncurrent loans to loans | 2.4557% | 2,160 |
| Net loans and leases to total assets | 70.0092% | 1,839 |
| Net loans and leases to deposits | 83.0391% | 1,879 |
| Net loans and leases to core deposits | 84.9512% | 2,435 |
| Total domestic deposits to total assets | 84.3088% | 4,180 |
| Equity capital to assets | 8.9780% | 5,545 |
| Core capital (leverage) ratio | 8.9990% | 4,901 |
| Tier 1 risk-based capital ratio | 12.8334% | 5,228 |
| Total risk-based capital ratio | 14.0848% | 5,165 |
| Memoranda: | ||
| Average total assets | $322,643,200 | 1,996 |
| Average earning assets | $292,105,400 | 2,024 |
| Average equity | $27,638,600 | 2,430 |
| Average total loans | $240,446,600 | 1,714 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 1,919 |
| Cost of funding earning assets | 1.2064% | 673 |
| Net interest margin | 3.7188% | 3,712 |
| Noninterest income to average assets | 0.7846% | 2,309 |
| Noninterest expense to average assets | 3.7870% | 1,234 |
| Loan and lease loss provision to assets | 0.5530% | 1,042 |
| Net operating income to assets | -0.1577% | 6,457 |
| Return on assets (ROA) | 0.1630% | 6,154 |
| Pretax return on assets | 0.2044% | 6,112 |
| Return on Equity (ROE) | 1.9275% | 6,041 |
| Retained earnings to average equity (ytd only) | 1.9275% | 5,363 |
| Net charge-offs to loans | 0.6502% | 1,686 |
| Credit loss provision to net charge-offs | 112.6917% | 2,594 |
| Earnings coverage of net charge-offs (x) | 0.7266% | 4,966 |
| Efficiency ratio | 91.3043% | 938 |
| Assets per employee ($millions) | 3.2690% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,479 |
| Loan loss allowance to noncurrent loans | 47.2805% | 5,270 |
| Noncurrent assets plus other real estate owned to assets | 3.2375% | 1,582 |
| Noncurrent loans to loans | 2.9074% | 1,920 |
| Net loans and leases to total assets | 75.5252% | 1,041 |
| Net loans and leases to deposits | 89.3519% | 1,218 |
| Net loans and leases to core deposits | 91.9283% | 1,787 |
| Total domestic deposits to total assets | 84.5256% | 3,967 |
| Equity capital to assets | 8.4958% | 6,261 |
| Core capital (leverage) ratio | 7.8175% | 6,453 |
| Tier 1 risk-based capital ratio | 11.0222% | 6,470 |
| Total risk-based capital ratio | 12.2750% | 6,447 |
| Memoranda: | ||
| Average total assets | $318,978,000 | 2,030 |
| Average earning assets | $288,117,000 | 2,079 |
| Average equity | $26,977,500 | 2,504 |
| Average total loans | $240,748,750 | 1,725 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 1,956 |
| Cost of funding earning assets | 1.2095% | 779 |
| Net interest margin | 3.7318% | 3,677 |
| Noninterest income to average assets | 0.6658% | 2,863 |
| Noninterest expense to average assets | 3.8091% | 1,202 |
| Loan and lease loss provision to assets | 0.4017% | 1,631 |
| Net operating income to assets | -0.1375% | 6,471 |
| Return on assets (ROA) | 0.1427% | 6,225 |
| Pretax return on assets | 0.1602% | 6,209 |
| Return on Equity (ROE) | 1.6895% | 6,135 |
| Retained earnings to average equity (ytd only) | 1.6895% | 5,352 |
| Net charge-offs to loans | 0.4091% | 2,389 |
| Credit loss provision to net charge-offs | 130.7536% | 2,097 |
| Earnings coverage of net charge-offs (x) | 0.8045% | 4,653 |
| Efficiency ratio | 93.8136% | 812 |
| Assets per employee ($millions) | 3.2736% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3831% | 4,525 |
| Loan loss allowance to noncurrent loans | 43.2923% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 3.2558% | 1,665 |
| Noncurrent loans to loans | 3.1947% | 1,820 |
| Net loans and leases to total assets | 74.2342% | 1,213 |
| Net loans and leases to deposits | 88.7034% | 1,291 |
| Net loans and leases to core deposits | 91.3667% | 1,832 |
| Total domestic deposits to total assets | 83.6881% | 4,448 |
| Equity capital to assets | 8.4212% | 6,288 |
| Core capital (leverage) ratio | 7.7935% | 6,452 |
| Tier 1 risk-based capital ratio | 11.0127% | 6,489 |
| Total risk-based capital ratio | 12.2655% | 6,465 |
| Memoranda: | ||
| Average total assets | $319,605,000 | 2,026 |
| Average earning assets | $290,365,670 | 2,050 |
| Average equity | $26,990,000 | 2,488 |
| Average total loans | $240,056,330 | 1,723 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 2,227 |
| Cost of funding earning assets | 1.2207% | 891 |
| Net interest margin | 3.6825% | 3,913 |
| Noninterest income to average assets | 0.6621% | 2,857 |
| Noninterest expense to average assets | 3.8294% | 1,169 |
| Loan and lease loss provision to assets | 0.1204% | 3,840 |
| Net operating income to assets | 0.0835% | 6,271 |
| Return on assets (ROA) | 0.0940% | 6,371 |
| Pretax return on assets | 0.1016% | 6,381 |
| Return on Equity (ROE) | 1.1121% | 6,324 |
| Retained earnings to average equity (ytd only) | 1.1121% | 5,638 |
| Net charge-offs to loans | -0.0384% | 6,442 |
| Credit loss provision to net charge-offs | -417.3913% | 5,747 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6927% | 788 |
| Assets per employee ($millions) | 3.3026% | 5,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,741 |
| Loan loss allowance to noncurrent loans | 49.6101% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 2.7588% | 2,123 |
| Noncurrent loans to loans | 2.7555% | 2,359 |
| Net loans and leases to total assets | 73.7446% | 1,106 |
| Net loans and leases to deposits | 87.0504% | 1,282 |
| Net loans and leases to core deposits | 89.6865% | 1,881 |
| Total domestic deposits to total assets | 84.7148% | 4,158 |
| Equity capital to assets | 8.3347% | 6,239 |
| Core capital (leverage) ratio | 7.7876% | 6,422 |
| Tier 1 risk-based capital ratio | 10.9248% | 6,571 |
| Total risk-based capital ratio | 12.1775% | 6,557 |
| Memoranda: | ||
| Average total assets | $319,003,000 | 2,036 |
| Average earning assets | $292,629,500 | 2,041 |
| Average equity | $26,977,000 | 2,476 |
| Average total loans | $239,339,500 | 1,723 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9981% | 2,889 |
| Cost of funding earning assets | 1.4241% | 943 |
| Net interest margin | 3.5740% | 4,834 |
| Noninterest income to average assets | 0.6401% | 2,946 |
| Noninterest expense to average assets | 3.7663% | 1,413 |
| Loan and lease loss provision to assets | 0.1532% | 4,710 |
| Net operating income to assets | -0.0050% | 6,045 |
| Return on assets (ROA) | 0.0990% | 5,983 |
| Pretax return on assets | 0.0907% | 5,982 |
| Return on Equity (ROE) | 1.1944% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.1944% | 5,294 |
| Net charge-offs to loans | 0.2229% | 4,387 |
| Credit loss provision to net charge-offs | 92.1788% | 3,914 |
| Earnings coverage of net charge-offs (x) | 0.8417% | 5,169 |
| Efficiency ratio | 96.3168% | 807 |
| Assets per employee ($millions) | 2.7099% | 6,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 4,680 |
| Loan loss allowance to noncurrent loans | 57.4905% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 2.4899% | 2,440 |
| Noncurrent loans to loans | 2.3436% | 2,803 |
| Net loans and leases to total assets | 74.2813% | 1,219 |
| Net loans and leases to deposits | 87.9082% | 1,389 |
| Net loans and leases to core deposits | 90.6455% | 2,028 |
| Total domestic deposits to total assets | 84.4987% | 4,100 |
| Equity capital to assets | 8.5822% | 6,036 |
| Core capital (leverage) ratio | 7.6782% | 6,548 |
| Tier 1 risk-based capital ratio | 11.0355% | 6,436 |
| Total risk-based capital ratio | 12.2876% | 6,417 |
| Memoranda: | ||
| Average total assets | $323,206,000 | 1,994 |
| Average earning assets | $295,354,400 | 1,984 |
| Average equity | $26,791,600 | 2,411 |
| Average total loans | $240,904,000 | 1,740 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0037% | 3,069 |
| Cost of funding earning assets | 1.4654% | 971 |
| Net interest margin | 3.5382% | 5,029 |
| Noninterest income to average assets | 0.5855% | 3,260 |
| Noninterest expense to average assets | 3.6141% | 1,679 |
| Loan and lease loss provision to assets | 0.1577% | 4,492 |
| Net operating income to assets | 0.0504% | 6,075 |
| Return on assets (ROA) | 0.1041% | 6,069 |
| Pretax return on assets | 0.0992% | 6,095 |
| Return on Equity (ROE) | 1.2663% | 6,009 |
| Retained earnings to average equity (ytd only) | 1.2663% | 5,503 |
| Net charge-offs to loans | 0.1609% | 4,493 |
| Credit loss provision to net charge-offs | 131.8493% | 2,419 |
| Earnings coverage of net charge-offs (x) | 1.6987% | 4,384 |
| Efficiency ratio | 94.5798% | 886 |
| Assets per employee ($millions) | 2.7886% | 6,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3988% | 4,572 |
| Loan loss allowance to noncurrent loans | 62.6343% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 2.4996% | 2,586 |
| Noncurrent loans to loans | 2.2333% | 3,068 |
| Net loans and leases to total assets | 73.0641% | 1,495 |
| Net loans and leases to deposits | 86.2649% | 1,651 |
| Net loans and leases to core deposits | 88.9617% | 2,370 |
| Total domestic deposits to total assets | 84.6974% | 3,915 |
| Equity capital to assets | 8.4932% | 6,302 |
| Core capital (leverage) ratio | 7.4864% | 6,771 |
| Tier 1 risk-based capital ratio | 10.9415% | 6,578 |
| Total risk-based capital ratio | 12.1943% | 6,549 |
| Memoranda: | ||
| Average total assets | $325,420,750 | 1,985 |
| Average earning assets | $297,241,500 | 1,974 |
| Average equity | $26,745,000 | 2,418 |
| Average total loans | $241,957,500 | 1,745 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0389% | 2,975 |
| Cost of funding earning assets | 1.5123% | 965 |
| Net interest margin | 3.5266% | 5,033 |
| Noninterest income to average assets | 0.5125% | 3,765 |
| Noninterest expense to average assets | 3.5340% | 1,900 |
| Loan and lease loss provision to assets | 0.1346% | 4,617 |
| Net operating income to assets | 0.0595% | 6,093 |
| Return on assets (ROA) | 0.1315% | 6,024 |
| Pretax return on assets | 0.1388% | 6,038 |
| Return on Equity (ROE) | 1.6177% | 5,908 |
| Retained earnings to average equity (ytd only) | 1.6177% | 5,183 |
| Net charge-offs to loans | 0.1101% | 4,595 |
| Credit loss provision to net charge-offs | 164.1791% | 1,840 |
| Earnings coverage of net charge-offs (x) | 2.4104% | 3,610 |
| Efficiency ratio | 94.6074% | 941 |
| Assets per employee ($millions) | 2.7536% | 6,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,590 |
| Loan loss allowance to noncurrent loans | 72.9171% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 2.3545% | 2,798 |
| Noncurrent loans to loans | 1.9152% | 3,589 |
| Net loans and leases to total assets | 71.4737% | 1,889 |
| Net loans and leases to deposits | 87.6878% | 1,542 |
| Net loans and leases to core deposits | 90.3549% | 2,328 |
| Total domestic deposits to total assets | 81.5093% | 5,347 |
| Equity capital to assets | 8.1899% | 6,525 |
| Core capital (leverage) ratio | 7.4448% | 6,778 |
| Tier 1 risk-based capital ratio | 11.0253% | 6,509 |
| Total risk-based capital ratio | 12.2784% | 6,492 |
| Memoranda: | ||
| Average total assets | $326,997,330 | 1,988 |
| Average earning assets | $298,478,330 | 1,981 |
| Average equity | $26,581,000 | 2,414 |
| Average total loans | $243,398,670 | 1,753 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0763% | 2,745 |
| Cost of funding earning assets | 1.5667% | 927 |
| Net interest margin | 3.5096% | 4,964 |
| Noninterest income to average assets | 0.5180% | 3,744 |
| Noninterest expense to average assets | 3.4886% | 2,033 |
| Loan and lease loss provision to assets | 0.0673% | 5,150 |
| Net operating income to assets | 0.1529% | 5,934 |
| Return on assets (ROA) | 0.1506% | 6,002 |
| Pretax return on assets | 0.1580% | 6,033 |
| Return on Equity (ROE) | 1.8599% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.8599% | 5,000 |
| Net charge-offs to loans | 0.1169% | 3,834 |
| Credit loss provision to net charge-offs | 76.3889% | 3,225 |
| Earnings coverage of net charge-offs (x) | 2.5833% | 3,043 |
| Efficiency ratio | 93.7727% | 1,050 |
| Assets per employee ($millions) | 2.8463% | 6,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 5,079 |
| Loan loss allowance to noncurrent loans | 64.7462% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 2.9591% | 2,330 |
| Noncurrent loans to loans | 2.0236% | 3,540 |
| Net loans and leases to total assets | 73.9596% | 1,352 |
| Net loans and leases to deposits | 92.0698% | 1,015 |
| Net loans and leases to core deposits | 94.9112% | 1,780 |
| Total domestic deposits to total assets | 80.3299% | 5,857 |
| Equity capital to assets | 8.1080% | 6,383 |
| Core capital (leverage) ratio | 7.5031% | 6,726 |
| Tier 1 risk-based capital ratio | 10.5402% | 6,786 |
| Total risk-based capital ratio | 11.7918% | 6,773 |
| Memoranda: | ||
| Average total assets | $326,659,500 | 2,000 |
| Average earning assets | $297,695,000 | 2,008 |
| Average equity | $26,453,500 | 2,418 |
| Average total loans | $246,339,500 | 1,749 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2469% | 3,376 |
| Cost of funding earning assets | 1.8265% | 1,070 |
| Net interest margin | 3.4204% | 5,547 |
| Noninterest income to average assets | 0.6607% | 3,077 |
| Noninterest expense to average assets | 3.4926% | 2,201 |
| Loan and lease loss provision to assets | 0.2178% | 5,084 |
| Net operating income to assets | 0.0841% | 5,627 |
| Return on assets (ROA) | 0.1410% | 5,621 |
| Pretax return on assets | 0.1255% | 5,651 |
| Return on Equity (ROE) | 1.7703% | 5,476 |
| Retained earnings to average equity (ytd only) | 1.7703% | 4,618 |
| Net charge-offs to loans | 0.5041% | 3,603 |
| Credit loss provision to net charge-offs | 57.2337% | 6,133 |
| Earnings coverage of net charge-offs (x) | 0.7528% | 5,367 |
| Efficiency ratio | 92.3317% | 1,161 |
| Assets per employee ($millions) | 2.7626% | 6,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 4,975 |
| Loan loss allowance to noncurrent loans | 55.9287% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 3.0256% | 2,327 |
| Noncurrent loans to loans | 2.3353% | 3,184 |
| Net loans and leases to total assets | 74.8927% | 1,496 |
| Net loans and leases to deposits | 93.5679% | 1,099 |
| Net loans and leases to core deposits | 96.1787% | 1,990 |
| Total domestic deposits to total assets | 80.0410% | 5,825 |
| Equity capital to assets | 8.0883% | 6,397 |
| Core capital (leverage) ratio | 7.2735% | 6,862 |
| Tier 1 risk-based capital ratio | 10.3652% | 6,785 |
| Total risk-based capital ratio | 11.6170% | 6,766 |
| Memoranda: | ||
| Average total assets | $330,580,400 | 1,966 |
| Average earning assets | $301,396,200 | 1,968 |
| Average equity | $26,322,800 | 2,427 |
| Average total loans | $249,536,000 | 1,764 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 3,427 |
| Cost of funding earning assets | 1.8540% | 1,198 |
| Net interest margin | 3.4311% | 5,565 |
| Noninterest income to average assets | 0.6222% | 3,300 |
| Noninterest expense to average assets | 3.4666% | 2,121 |
| Loan and lease loss provision to assets | 0.2106% | 4,961 |
| Net operating income to assets | 0.0844% | 5,808 |
| Return on assets (ROA) | 0.1600% | 5,771 |
| Pretax return on assets | 0.1475% | 5,839 |
| Return on Equity (ROE) | 2.0168% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.0168% | 4,949 |
| Net charge-offs to loans | 0.5134% | 3,234 |
| Credit loss provision to net charge-offs | 54.4133% | 5,817 |
| Earnings coverage of net charge-offs (x) | 0.7300% | 5,328 |
| Efficiency ratio | 92.3778% | 1,096 |
| Assets per employee ($millions) | 2.8940% | 6,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3349% | 4,775 |
| Loan loss allowance to noncurrent loans | 72.4483% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 2.5632% | 2,808 |
| Noncurrent loans to loans | 1.8426% | 3,875 |
| Net loans and leases to total assets | 73.2926% | 1,953 |
| Net loans and leases to deposits | 91.5051% | 1,512 |
| Net loans and leases to core deposits | 94.4048% | 2,471 |
| Total domestic deposits to total assets | 80.0968% | 5,674 |
| Equity capital to assets | 7.9646% | 6,827 |
| Core capital (leverage) ratio | 7.2083% | 7,053 |
| Tier 1 risk-based capital ratio | 10.1521% | 6,983 |
| Total risk-based capital ratio | 11.4042% | 6,965 |
| Memoranda: | ||
| Average total assets | $331,728,250 | 1,986 |
| Average earning assets | $302,325,750 | 1,995 |
| Average equity | $26,311,750 | 2,468 |
| Average total loans | $250,076,750 | 1,784 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3415% | 3,258 |
| Cost of funding earning assets | 1.8727% | 1,330 |
| Net interest margin | 3.4688% | 5,370 |
| Noninterest income to average assets | 0.6913% | 2,756 |
| Noninterest expense to average assets | 3.4328% | 2,186 |
| Loan and lease loss provision to assets | 0.2379% | 4,535 |
| Net operating income to assets | 0.1691% | 5,666 |
| Return on assets (ROA) | 0.2482% | 5,521 |
| Pretax return on assets | 0.2633% | 5,619 |
| Return on Equity (ROE) | 3.1334% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.1334% | 4,118 |
| Net charge-offs to loans | 0.7734% | 2,312 |
| Credit loss provision to net charge-offs | 40.5992% | 5,604 |
| Earnings coverage of net charge-offs (x) | 0.7118% | 5,033 |
| Efficiency ratio | 89.0723% | 1,408 |
| Assets per employee ($millions) | 2.8259% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 4,983 |
| Loan loss allowance to noncurrent loans | 131.6570% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0716% | 3,417 |
| Noncurrent loans to loans | 0.9799% | 5,347 |
| Net loans and leases to total assets | 73.2880% | 2,084 |
| Net loans and leases to deposits | 91.2280% | 1,663 |
| Net loans and leases to core deposits | 94.3605% | 2,661 |
| Total domestic deposits to total assets | 80.3350% | 5,619 |
| Equity capital to assets | 7.9317% | 6,828 |
| Core capital (leverage) ratio | 7.2737% | 7,014 |
| Tier 1 risk-based capital ratio | 10.1213% | 6,956 |
| Total risk-based capital ratio | 11.3727% | 6,927 |
| Memoranda: | ||
| Average total assets | $330,401,330 | 2,010 |
| Average earning assets | $300,853,670 | 2,022 |
| Average equity | $26,169,670 | 2,478 |
| Average total loans | $250,309,330 | 1,812 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3589% | 3,246 |
| Cost of funding earning assets | 1.8890% | 1,495 |
| Net interest margin | 3.4699% | 5,287 |
| Noninterest income to average assets | 0.6738% | 2,781 |
| Noninterest expense to average assets | 3.3521% | 2,368 |
| Loan and lease loss provision to assets | 0.2384% | 4,137 |
| Net operating income to assets | 0.2457% | 5,513 |
| Return on assets (ROA) | 0.2469% | 5,627 |
| Pretax return on assets | 0.2481% | 5,751 |
| Return on Equity (ROE) | 3.1195% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.1195% | 4,272 |
| Net charge-offs to loans | 0.4037% | 2,828 |
| Credit loss provision to net charge-offs | 77.1654% | 3,950 |
| Earnings coverage of net charge-offs (x) | 1.5709% | 3,787 |
| Efficiency ratio | 87.2583% | 1,661 |
| Assets per employee ($millions) | 2.8323% | 6,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 4,060 |
| Loan loss allowance to noncurrent loans | 64.1376% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 2.4739% | 2,933 |
| Noncurrent loans to loans | 2.2945% | 3,394 |
| Net loans and leases to total assets | 75.6219% | 1,617 |
| Net loans and leases to deposits | 93.3641% | 1,427 |
| Net loans and leases to core deposits | 96.6668% | 2,504 |
| Total domestic deposits to total assets | 80.9967% | 5,465 |
| Equity capital to assets | 7.9796% | 6,676 |
| Core capital (leverage) ratio | 7.2708% | 7,055 |
| Tier 1 risk-based capital ratio | 9.8056% | 7,152 |
| Total risk-based capital ratio | 11.0591% | 7,142 |
| Memoranda: | ||
| Average total assets | $328,871,500 | 2,076 |
| Average earning assets | $299,835,000 | 2,078 |
| Average equity | $26,030,000 | 2,513 |
| Average total loans | $251,673,500 | 1,854 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7391% | 2,913 |
| Cost of funding earning assets | 2.0852% | 2,541 |
| Net interest margin | 3.6540% | 4,336 |
| Noninterest income to average assets | 0.7610% | 2,612 |
| Noninterest expense to average assets | 3.5987% | 2,149 |
| Loan and lease loss provision to assets | 0.6466% | 3,217 |
| Net operating income to assets | 0.0441% | 5,353 |
| Return on assets (ROA) | 0.1034% | 5,250 |
| Pretax return on assets | -0.0308% | 5,498 |
| Return on Equity (ROE) | 1.3253% | 5,139 |
| Retained earnings to average equity (ytd only) | -2.6191% | 5,633 |
| Net charge-offs to loans | 0.3532% | 4,465 |
| Credit loss provision to net charge-offs | 237.5141% | 1,518 |
| Earnings coverage of net charge-offs (x) | 1.9220% | 4,282 |
| Efficiency ratio | 87.2090% | 1,966 |
| Assets per employee ($millions) | 2.8379% | 6,589 |
| Cash dividends to net income (ytd only)* | 297.6190% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5005% | 3,724 |
| Loan loss allowance to noncurrent loans | 69.6030% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 2.3111% | 2,990 |
| Noncurrent loans to loans | 2.1558% | 3,448 |
| Net loans and leases to total assets | 75.1569% | 1,993 |
| Net loans and leases to deposits | 93.4907% | 1,661 |
| Net loans and leases to core deposits | 115.9539% | 2,325 |
| Total domestic deposits to total assets | 80.3897% | 5,554 |
| Equity capital to assets | 7.8504% | 6,718 |
| Core capital (leverage) ratio | 7.1987% | 7,075 |
| Tier 1 risk-based capital ratio | 9.7653% | 7,050 |
| Total risk-based capital ratio | 11.0206% | 7,032 |
| Memoranda: | ||
| Average total assets | $325,087,000 | 2,079 |
| Average earning assets | $299,017,800 | 2,079 |
| Average equity | $25,352,200 | 2,573 |
| Average total loans | $250,558,800 | 1,892 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7399% | 3,139 |
| Cost of funding earning assets | 2.1335% | 2,735 |
| Net interest margin | 3.6063% | 4,461 |
| Noninterest income to average assets | 0.7538% | 2,691 |
| Noninterest expense to average assets | 3.5371% | 2,177 |
| Loan and lease loss provision to assets | 0.3180% | 4,439 |
| Net operating income to assets | 0.2769% | 4,875 |
| Return on assets (ROA) | 0.2822% | 4,962 |
| Pretax return on assets | 0.2255% | 5,241 |
| Return on Equity (ROE) | 3.6253% | 4,527 |
| Retained earnings to average equity (ytd only) | -1.1309% | 5,526 |
| Net charge-offs to loans | 0.4329% | 3,516 |
| Credit loss provision to net charge-offs | 95.0800% | 5,338 |
| Earnings coverage of net charge-offs (x) | 1.6089% | 4,592 |
| Efficiency ratio | 86.7037% | 1,995 |
| Assets per employee ($millions) | 2.8511% | 6,529 |
| Cash dividends to net income (ytd only)* | 131.1959% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 6,222 |
| Loan loss allowance to noncurrent loans | 73.6009% | 3,665 |
| Noncurrent assets plus other real estate owned to assets | 1.6780% | 3,858 |
| Noncurrent loans to loans | 1.3724% | 4,624 |
| Net loans and leases to total assets | 75.7400% | 2,048 |
| Net loans and leases to deposits | 94.6023% | 1,778 |
| Net loans and leases to core deposits | 116.2139% | 2,598 |
| Total domestic deposits to total assets | 80.0615% | 5,410 |
| Equity capital to assets | 7.8525% | 6,984 |
| Core capital (leverage) ratio | 7.3371% | 7,151 |
| Tier 1 risk-based capital ratio | 9.9190% | 7,043 |
| Total risk-based capital ratio | 10.9598% | 7,187 |
| Memoranda: | ||
| Average total assets | $324,060,250 | 2,102 |
| Average earning assets | $298,466,500 | 2,103 |
| Average equity | $25,229,500 | 2,612 |
| Average total loans | $250,403,250 | 1,914 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7765% | 3,154 |
| Cost of funding earning assets | 2.1919% | 2,831 |
| Net interest margin | 3.5846% | 4,433 |
| Noninterest income to average assets | 0.7284% | 2,824 |
| Noninterest expense to average assets | 3.5418% | 2,218 |
| Loan and lease loss provision to assets | 0.1736% | 5,322 |
| Net operating income to assets | 0.3441% | 4,703 |
| Return on assets (ROA) | 0.3484% | 4,802 |
| Pretax return on assets | 0.3151% | 5,179 |
| Return on Equity (ROE) | 4.4884% | 4,310 |
| Retained earnings to average equity (ytd only) | -1.8781% | 5,705 |
| Net charge-offs to loans | 0.2972% | 3,701 |
| Credit loss provision to net charge-offs | 75.3351% | 5,312 |
| Earnings coverage of net charge-offs (x) | 2.1019% | 4,023 |
| Efficiency ratio | 87.8779% | 2,028 |
| Assets per employee ($millions) | 2.7309% | 6,774 |
| Cash dividends to net income (ytd only)* | 141.8440% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 6,303 |
| Loan loss allowance to noncurrent loans | 53.7001% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.9658% | 3,241 |
| Noncurrent loans to loans | 1.8499% | 3,735 |
| Net loans and leases to total assets | 74.8175% | 2,493 |
| Net loans and leases to deposits | 93.1489% | 2,245 |
| Net loans and leases to core deposits | 114.9628% | 2,812 |
| Total domestic deposits to total assets | 80.3204% | 5,347 |
| Equity capital to assets | 7.6377% | 7,146 |
| Core capital (leverage) ratio | 7.3995% | 7,135 |
| Tier 1 risk-based capital ratio | 9.9109% | 7,027 |
| Total risk-based capital ratio | 10.9302% | 7,191 |
| Memoranda: | ||
| Average total assets | $323,737,330 | 2,128 |
| Average earning assets | $297,827,000 | 2,131 |
| Average equity | $25,131,670 | 2,628 |
| Average total loans | $250,974,670 | 1,942 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8236% | 3,180 |
| Cost of funding earning assets | 2.2353% | 2,982 |
| Net interest margin | 3.5883% | 4,367 |
| Noninterest income to average assets | 0.6726% | 3,053 |
| Noninterest expense to average assets | 3.4175% | 2,306 |
| Loan and lease loss provision to assets | 0.1181% | 5,459 |
| Net operating income to assets | 0.4154% | 4,799 |
| Return on assets (ROA) | 0.4177% | 4,962 |
| Pretax return on assets | 0.4463% | 5,253 |
| Return on Equity (ROE) | 5.3369% | 4,314 |
| Retained earnings to average equity (ytd only) | -0.2224% | 5,695 |
| Net charge-offs to loans | 0.3293% | 2,779 |
| Credit loss provision to net charge-offs | 45.6731% | 4,744 |
| Earnings coverage of net charge-offs (x) | 2.1731% | 3,654 |
| Efficiency ratio | 85.7857% | 2,097 |
| Assets per employee ($millions) | 2.6994% | 6,886 |
| Cash dividends to net income (ytd only)* | 104.1667% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9639% | 6,408 |
| Loan loss allowance to noncurrent loans | 46.1320% | 5,427 |
| Noncurrent assets plus other real estate owned to assets | 2.0601% | 2,811 |
| Noncurrent loans to loans | 2.0895% | 3,133 |
| Net loans and leases to total assets | 76.7210% | 2,108 |
| Net loans and leases to deposits | 94.9414% | 2,118 |
| Net loans and leases to core deposits | 116.3611% | 2,767 |
| Total domestic deposits to total assets | 80.8088% | 5,038 |
| Equity capital to assets | 7.7219% | 7,160 |
| Core capital (leverage) ratio | 7.5697% | 7,065 |
| Tier 1 risk-based capital ratio | 10.0352% | 6,880 |
| Total risk-based capital ratio | 11.0490% | 7,045 |
| Memoranda: | ||
| Average total assets | $321,754,000 | 2,156 |
| Average earning assets | $296,519,000 | 2,144 |
| Average equity | $25,183,000 | 2,633 |
| Average total loans | $252,642,000 | 1,946 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3230% | 3,838 |
| Cost of funding earning assets | 2.5993% | 3,686 |
| Net interest margin | 3.7237% | 4,367 |
| Noninterest income to average assets | 0.7426% | 2,826 |
| Noninterest expense to average assets | 3.2967% | 2,974 |
| Loan and lease loss provision to assets | 0.1222% | 5,794 |
| Net operating income to assets | 0.5957% | 4,317 |
| Return on assets (ROA) | 0.6037% | 4,148 |
| Pretax return on assets | 0.7752% | 4,156 |
| Return on Equity (ROE) | 7.5068% | 3,277 |
| Retained earnings to average equity (ytd only) | 0.7596% | 4,771 |
| Net charge-offs to loans | 0.0743% | 5,699 |
| Credit loss provision to net charge-offs | 208.4656% | 2,320 |
| Earnings coverage of net charge-offs (x) | 15.1376% | 1,960 |
| Efficiency ratio | 78.7075% | 2,805 |
| Assets per employee ($millions) | 2.6628% | 6,863 |
| Cash dividends to net income (ytd only)* | 89.8819% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 5,920 |
| Loan loss allowance to noncurrent loans | 40.1763% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 2.3214% | 2,097 |
| Noncurrent loans to loans | 2.5181% | 2,162 |
| Net loans and leases to total assets | 78.7998% | 1,934 |
| Net loans and leases to deposits | 99.3803% | 1,927 |
| Net loans and leases to core deposits | 121.6103% | 2,545 |
| Total domestic deposits to total assets | 79.2911% | 5,269 |
| Equity capital to assets | 7.9349% | 6,919 |
| Core capital (leverage) ratio | 7.6687% | 6,976 |
| Tier 1 risk-based capital ratio | 10.0717% | 6,660 |
| Total risk-based capital ratio | 11.1358% | 6,745 |
| Memoranda: | ||
| Average total assets | $322,503,800 | 2,070 |
| Average earning assets | $298,040,600 | 2,054 |
| Average equity | $25,936,400 | 2,565 |
| Average total loans | $254,365,600 | 1,878 |