Home > American Momentum Bank > Performance and Condition Ratios
American Momentum Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2201% | 922 |
| Cost of funding earning assets | 1.3363% | 3,531 |
| Net interest margin | 4.8838% | 361 |
| Noninterest income to average assets | 0.3200% | 2,730 |
| Noninterest expense to average assets | 2.5356% | 2,190 |
| Loan and lease loss provision to assets | 0.1500% | 856 |
| Net operating income to assets | 1.7003% | 748 |
| Return on assets (ROA) | 1.6748% | 779 |
| Pretax return on assets | 2.0382% | 647 |
| Return on Equity (ROE) | 8.4100% | 2,764 |
| Retained earnings to average equity (ytd only) | 8.4145% | 1,578 |
| Net charge-offs to loans | 0.0022% | 2,224 |
| Credit loss provision to net charge-offs | 12,445.4545% | 35 |
| Earnings coverage of net charge-offs (x) | 1,420.4545% | 57 |
| Efficiency ratio | 52.1050% | 3,747 |
| Assets per employee ($millions) | 7.9765% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 1,707 |
| Loan loss allowance to noncurrent loans | 115.3089% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0495% | 658 |
| Noncurrent loans to loans | 1.1264% | 953 |
| Net loans and leases to total assets | 69.6700% | 1,871 |
| Net loans and leases to deposits | 89.0352% | 1,189 |
| Net loans and leases to core deposits | 92.5656% | 1,864 |
| Total domestic deposits to total assets | 78.2500% | 3,785 |
| Equity capital to assets | 20.2463% | 275 |
| Core capital (leverage) ratio | 17.3071% | 364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8854% | 467 |
| Memoranda: | ||
| Average total assets | $2,811,040,500 | 454 |
| Average earning assets | $2,553,272,000 | 451 |
| Average equity | $559,509,000 | 276 |
| Average total loans | $1,983,975,500 | 446 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5236% | 678 |
| Cost of funding earning assets | 1.2327% | 3,776 |
| Net interest margin | 5.2909% | 232 |
| Noninterest income to average assets | 0.4900% | 1,987 |
| Noninterest expense to average assets | 2.6234% | 1,952 |
| Loan and lease loss provision to assets | 0.1400% | 990 |
| Net operating income to assets | 1.9525% | 428 |
| Return on assets (ROA) | 1.9607% | 422 |
| Pretax return on assets | 2.5015% | 296 |
| Return on Equity (ROE) | 9.9500% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.2354% | 741 |
| Net charge-offs to loans | 0.0870% | 1,276 |
| Credit loss provision to net charge-offs | 297.5990% | 868 |
| Earnings coverage of net charge-offs (x) | 41.8061% | 1,312 |
| Efficiency ratio | 48.6175% | 4,059 |
| Assets per employee ($millions) | 8.0184% | 1,525 |
| Cash dividends to net income (ytd only)* | 7.1453% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2422% | 1,957 |
| Loan loss allowance to noncurrent loans | 84.2405% | 3,135 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 466 |
| Noncurrent loans to loans | 1.4746% | 651 |
| Net loans and leases to total assets | 69.6900% | 1,934 |
| Net loans and leases to deposits | 88.1345% | 1,385 |
| Net loans and leases to core deposits | 91.5354% | 2,001 |
| Total domestic deposits to total assets | 79.0700% | 3,666 |
| Equity capital to assets | 19.5586% | 283 |
| Core capital (leverage) ratio | 16.7077% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.7995% | 537 |
| Memoranda: | ||
| Average total assets | $2,644,571,200 | 467 |
| Average earning assets | $2,381,840,800 | 465 |
| Average equity | $521,329,800 | 279 |
| Average total loans | $1,914,308,800 | 439 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5504% | 650 |
| Cost of funding earning assets | 1.1954% | 3,822 |
| Net interest margin | 5.3550% | 221 |
| Noninterest income to average assets | 0.5300% | 1,766 |
| Noninterest expense to average assets | 2.6474% | 1,822 |
| Loan and lease loss provision to assets | 0.1900% | 640 |
| Net operating income to assets | 1.9793% | 445 |
| Return on assets (ROA) | 1.9882% | 441 |
| Pretax return on assets | 2.5147% | 318 |
| Return on Equity (ROE) | 10.0600% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.1049% | 1,090 |
| Net charge-offs to loans | 0.1204% | 870 |
| Credit loss provision to net charge-offs | 289.0962% | 866 |
| Earnings coverage of net charge-offs (x) | 30.7294% | 1,498 |
| Efficiency ratio | 48.2292% | 4,081 |
| Assets per employee ($millions) | 7.5744% | 1,759 |
| Cash dividends to net income (ytd only)* | 9.5337% | 2,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 1,826 |
| Loan loss allowance to noncurrent loans | 192.0530% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 923 |
| Noncurrent loans to loans | 0.6641% | 1,471 |
| Net loans and leases to total assets | 70.8700% | 1,746 |
| Net loans and leases to deposits | 90.2485% | 1,224 |
| Net loans and leases to core deposits | 93.9444% | 1,881 |
| Total domestic deposits to total assets | 78.5300% | 3,663 |
| Equity capital to assets | 20.1196% | 276 |
| Core capital (leverage) ratio | 16.9982% | 403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4725% | 562 |
| Memoranda: | ||
| Average total assets | $2,606,110,750 | 464 |
| Average earning assets | $2,341,733,000 | 468 |
| Average equity | $514,829,750 | 279 |
| Average total loans | $1,899,211,250 | 442 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5359% | 609 |
| Cost of funding earning assets | 1.1599% | 3,841 |
| Net interest margin | 5.3760% | 209 |
| Noninterest income to average assets | 0.4600% | 2,045 |
| Noninterest expense to average assets | 2.7376% | 1,591 |
| Loan and lease loss provision to assets | 0.0500% | 1,906 |
| Net operating income to assets | 1.9607% | 462 |
| Return on assets (ROA) | 1.9794% | 449 |
| Pretax return on assets | 2.5132% | 327 |
| Return on Equity (ROE) | 10.0800% | 2,156 |
| Retained earnings to average equity (ytd only) | 8.9687% | 1,105 |
| Net charge-offs to loans | 0.1864% | 573 |
| Credit loss provision to net charge-offs | 92.1769% | 1,566 |
| Earnings coverage of net charge-offs (x) | 18.6213% | 1,671 |
| Efficiency ratio | 50.4721% | 3,986 |
| Assets per employee ($millions) | 7.3027% | 1,869 |
| Cash dividends to net income (ytd only)* | 11.0637% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0946% | 2,830 |
| Loan loss allowance to noncurrent loans | 165.8153% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7865% | 837 |
| Noncurrent loans to loans | 0.6602% | 1,396 |
| Net loans and leases to total assets | 73.3300% | 1,494 |
| Net loans and leases to deposits | 93.2084% | 1,015 |
| Net loans and leases to core deposits | 96.9202% | 1,681 |
| Total domestic deposits to total assets | 78.6800% | 3,627 |
| Equity capital to assets | 19.9429% | 278 |
| Core capital (leverage) ratio | 16.6667% | 423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1996% | 663 |
| Memoranda: | ||
| Average total assets | $2,583,554,333 | 466 |
| Average earning assets | $2,318,607,000 | 471 |
| Average equity | $507,121,667 | 279 |
| Average total loans | $1,892,450,667 | 446 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5064% | 564 |
| Cost of funding earning assets | 1.1129% | 3,859 |
| Net interest margin | 5.3935% | 211 |
| Noninterest income to average assets | 0.4100% | 2,241 |
| Noninterest expense to average assets | 2.8309% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.9661% | 466 |
| Return on assets (ROA) | 1.9933% | 456 |
| Pretax return on assets | 2.4496% | 353 |
| Return on Equity (ROE) | 10.2400% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.5659% | 1,192 |
| Net charge-offs to loans | -0.0085% | 3,878 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 52.5353% | 3,862 |
| Assets per employee ($millions) | 7.2912% | 1,893 |
| Cash dividends to net income (ytd only)* | 6.5607% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1602% | 2,484 |
| Loan loss allowance to noncurrent loans | 312.8792% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 1,122 |
| Noncurrent loans to loans | 0.3708% | 2,022 |
| Net loans and leases to total assets | 72.5800% | 1,495 |
| Net loans and leases to deposits | 92.1326% | 1,030 |
| Net loans and leases to core deposits | 96.1148% | 1,638 |
| Total domestic deposits to total assets | 78.7800% | 3,702 |
| Equity capital to assets | 19.7449% | 296 |
| Core capital (leverage) ratio | 16.3410% | 445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7494% | 722 |
| Memoranda: | ||
| Average total assets | $2,575,447,500 | 470 |
| Average earning assets | $2,307,942,500 | 477 |
| Average equity | $501,448,500 | 285 |
| Average total loans | $1,874,897,500 | 455 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1761% | 513 |
| Cost of funding earning assets | 0.7619% | 3,832 |
| Net interest margin | 5.4142% | 207 |
| Noninterest income to average assets | 0.5200% | 1,874 |
| Noninterest expense to average assets | 2.5192% | 2,241 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 2.1282% | 378 |
| Return on assets (ROA) | 2.1328% | 368 |
| Pretax return on assets | 2.7936% | 257 |
| Return on Equity (ROE) | 12.2700% | 1,895 |
| Retained earnings to average equity (ytd only) | 11.6373% | 679 |
| Net charge-offs to loans | 0.0281% | 1,744 |
| Credit loss provision to net charge-offs | 239.8785% | 1,102 |
| Earnings coverage of net charge-offs (x) | 153.8117% | 699 |
| Efficiency ratio | 45.6053% | 4,207 |
| Assets per employee ($millions) | 7.4264% | 1,788 |
| Cash dividends to net income (ytd only)* | 5.1824% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 2,611 |
| Loan loss allowance to noncurrent loans | 265.4750% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.6102% | 898 |
| Noncurrent loans to loans | 0.4289% | 1,709 |
| Net loans and leases to total assets | 71.3500% | 1,659 |
| Net loans and leases to deposits | 89.9967% | 1,264 |
| Net loans and leases to core deposits | 94.0551% | 1,770 |
| Total domestic deposits to total assets | 79.2800% | 3,571 |
| Equity capital to assets | 19.1977% | 307 |
| Core capital (leverage) ratio | 15.8003% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8624% | 808 |
| Memoranda: | ||
| Average total assets | $2,684,312,000 | 436 |
| Average earning assets | $2,395,003,200 | 442 |
| Average equity | $466,466,000 | 279 |
| Average total loans | $1,755,756,800 | 453 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0987% | 469 |
| Cost of funding earning assets | 0.6809% | 3,809 |
| Net interest margin | 5.4178% | 196 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.5557% | 2,067 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 2.0919% | 439 |
| Return on assets (ROA) | 2.0709% | 449 |
| Pretax return on assets | 2.7120% | 306 |
| Return on Equity (ROE) | 12.2200% | 2,069 |
| Retained earnings to average equity (ytd only) | 11.4867% | 1,069 |
| Net charge-offs to loans | -0.0022% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.4234% | 4,113 |
| Assets per employee ($millions) | 7.2658% | 1,778 |
| Cash dividends to net income (ytd only)* | 6.0216% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1874% | 2,428 |
| Loan loss allowance to noncurrent loans | 439.1403% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 1,121 |
| Noncurrent loans to loans | 0.2704% | 2,270 |
| Net loans and leases to total assets | 68.8800% | 1,959 |
| Net loans and leases to deposits | 86.1849% | 1,549 |
| Net loans and leases to core deposits | 90.0608% | 1,925 |
| Total domestic deposits to total assets | 79.9300% | 3,537 |
| Equity capital to assets | 18.3498% | 332 |
| Core capital (leverage) ratio | 14.9653% | 630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5618% | 877 |
| Memoranda: | ||
| Average total assets | $2,709,292,000 | 432 |
| Average earning assets | $2,414,918,750 | 437 |
| Average equity | $459,046,750 | 285 |
| Average total loans | $1,728,392,000 | 457 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9598% | 464 |
| Cost of funding earning assets | 0.5804% | 3,805 |
| Net interest margin | 5.3795% | 194 |
| Noninterest income to average assets | 0.4600% | 2,088 |
| Noninterest expense to average assets | 2.5159% | 2,158 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 2.0479% | 433 |
| Return on assets (ROA) | 2.0488% | 428 |
| Pretax return on assets | 2.6819% | 290 |
| Return on Equity (ROE) | 12.4100% | 2,038 |
| Retained earnings to average equity (ytd only) | 11.7823% | 1,031 |
| Net charge-offs to loans | -0.0094% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.3602% | 4,151 |
| Assets per employee ($millions) | 7.7655% | 1,436 |
| Cash dividends to net income (ytd only)* | 5.0856% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 2,405 |
| Loan loss allowance to noncurrent loans | 567.8429% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 805 |
| Noncurrent loans to loans | 0.2125% | 2,412 |
| Net loans and leases to total assets | 65.9800% | 2,157 |
| Net loans and leases to deposits | 81.6005% | 1,858 |
| Net loans and leases to core deposits | 84.8859% | 2,149 |
| Total domestic deposits to total assets | 80.8500% | 3,448 |
| Equity capital to assets | 17.4876% | 364 |
| Core capital (leverage) ratio | 14.0525% | 761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7104% | 1,001 |
| Memoranda: | ||
| Average total assets | $2,752,599,667 | 415 |
| Average earning assets | $2,453,287,667 | 417 |
| Average equity | $454,293,000 | 282 |
| Average total loans | $1,705,147,333 | 446 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7530% | 444 |
| Cost of funding earning assets | 0.4093% | 3,944 |
| Net interest margin | 5.3437% | 187 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.5053% | 2,232 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.0558% | 455 |
| Return on assets (ROA) | 2.0787% | 437 |
| Pretax return on assets | 2.7189% | 280 |
| Return on Equity (ROE) | 12.9600% | 1,997 |
| Retained earnings to average equity (ytd only) | 12.0440% | 1,260 |
| Net charge-offs to loans | 0.0124% | 1,485 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 362.2308% | 310 |
| Efficiency ratio | 46.5708% | 4,184 |
| Assets per employee ($millions) | 8.3391% | 1,188 |
| Cash dividends to net income (ytd only)* | 7.0761% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2195% | 2,459 |
| Loan loss allowance to noncurrent loans | 448.1741% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 678 |
| Noncurrent loans to loans | 0.2721% | 2,169 |
| Net loans and leases to total assets | 59.9600% | 2,650 |
| Net loans and leases to deposits | 73.2846% | 2,361 |
| Net loans and leases to core deposits | 75.7580% | 2,550 |
| Total domestic deposits to total assets | 81.8200% | 3,507 |
| Equity capital to assets | 16.4473% | 373 |
| Core capital (leverage) ratio | 12.8919% | 1,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9734% | 998 |
| Memoranda: | ||
| Average total assets | $2,800,992,000 | 419 |
| Average earning assets | $2,502,537,000 | 425 |
| Average equity | $449,221,000 | 288 |
| Average total loans | $1,670,925,500 | 460 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4123% | 862 |
| Cost of funding earning assets | 0.1435% | 4,159 |
| Net interest margin | 4.2688% | 454 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 2.3608% | 2,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.4954% | 890 |
| Return on assets (ROA) | 1.4419% | 985 |
| Pretax return on assets | 1.8258% | 691 |
| Return on Equity (ROE) | 9.4500% | 2,982 |
| Retained earnings to average equity (ytd only) | 9.1387% | 1,442 |
| Net charge-offs to loans | 0.0701% | 942 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 45.1102% | 1,433 |
| Efficiency ratio | 53.4191% | 3,842 |
| Assets per employee ($millions) | 8.5861% | 1,057 |
| Cash dividends to net income (ytd only)* | 3.2863% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 3,455 |
| Loan loss allowance to noncurrent loans | 288.1773% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 638 |
| Noncurrent loans to loans | 0.3422% | 1,922 |
| Net loans and leases to total assets | 58.0500% | 2,820 |
| Net loans and leases to deposits | 70.2262% | 2,565 |
| Net loans and leases to core deposits | 72.5592% | 2,678 |
| Total domestic deposits to total assets | 82.6600% | 3,500 |
| Equity capital to assets | 15.6380% | 415 |
| Core capital (leverage) ratio | 12.3540% | 1,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4810% | 1,054 |
| Memoranda: | ||
| Average total assets | $2,811,036,000 | 412 |
| Average earning assets | $2,505,520,600 | 417 |
| Average equity | $428,946,000 | 290 |
| Average total loans | $1,684,053,800 | 433 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0885% | 1,087 |
| Cost of funding earning assets | 0.1070% | 4,228 |
| Net interest margin | 3.9816% | 661 |
| Noninterest income to average assets | 0.4700% | 2,322 |
| Noninterest expense to average assets | 2.3040% | 2,621 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.3288% | 1,271 |
| Return on assets (ROA) | 1.2544% | 1,480 |
| Pretax return on assets | 1.6181% | 1,073 |
| Return on Equity (ROE) | 8.2700% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.9554% | 2,018 |
| Net charge-offs to loans | 0.0215% | 1,406 |
| Credit loss provision to net charge-offs | 15.8088% | 1,642 |
| Earnings coverage of net charge-offs (x) | 132.6176% | 797 |
| Efficiency ratio | 55.1005% | 3,710 |
| Assets per employee ($millions) | 8.3195% | 1,160 |
| Cash dividends to net income (ytd only)* | 3.8341% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,142 |
| Loan loss allowance to noncurrent loans | 353.0454% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 314 |
| Noncurrent loans to loans | 0.3032% | 2,155 |
| Net loans and leases to total assets | 57.4600% | 2,759 |
| Net loans and leases to deposits | 69.3190% | 2,431 |
| Net loans and leases to core deposits | 71.4364% | 2,536 |
| Total domestic deposits to total assets | 82.9000% | 3,707 |
| Equity capital to assets | 15.3707% | 422 |
| Core capital (leverage) ratio | 11.8269% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6433% | 1,252 |
| Memoranda: | ||
| Average total assets | $2,805,442,000 | 416 |
| Average earning assets | $2,498,983,000 | 419 |
| Average equity | $425,410,500 | 293 |
| Average total loans | $1,689,768,500 | 427 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 1,244 |
| Cost of funding earning assets | 0.0897% | 4,297 |
| Net interest margin | 3.7413% | 849 |
| Noninterest income to average assets | 0.4627% | 2,384 |
| Noninterest expense to average assets | 2.2908% | 2,575 |
| Loan and lease loss provision to assets | 0.0031% | 2,552 |
| Net operating income to assets | 1.1727% | 1,526 |
| Return on assets (ROA) | 1.1013% | 1,742 |
| Pretax return on assets | 1.4122% | 1,399 |
| Return on Equity (ROE) | 7.2956% | 3,220 |
| Retained earnings to average equity (ytd only) | 6.9365% | 2,010 |
| Net charge-offs to loans | -0.0048% | 3,325 |
| Credit loss provision to net charge-offs | -104.8780% | 3,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9360% | 3,570 |
| Assets per employee ($millions) | 8.5230% | 1,058 |
| Cash dividends to net income (ytd only)* | 4.9218% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 3,213 |
| Loan loss allowance to noncurrent loans | 173.3884% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 1.2519% | 331 |
| Noncurrent loans to loans | 0.6265% | 1,353 |
| Net loans and leases to total assets | 56.6121% | 2,689 |
| Net loans and leases to deposits | 68.0024% | 2,391 |
| Net loans and leases to core deposits | 70.5645% | 2,445 |
| Total domestic deposits to total assets | 83.2502% | 3,827 |
| Equity capital to assets | 15.0478% | 401 |
| Core capital (leverage) ratio | 11.3992% | 1,377 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6850% | 1,262 |
| Memoranda: | ||
| Average total assets | $2,811,578,667 | 410 |
| Average earning assets | $2,505,311,667 | 417 |
| Average equity | $424,419,000 | 291 |
| Average total loans | $1,713,418,667 | 416 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 1,187 |
| Cost of funding earning assets | 0.0859% | 4,293 |
| Net interest margin | 3.6584% | 810 |
| Noninterest income to average assets | 0.4814% | 2,227 |
| Noninterest expense to average assets | 2.3220% | 2,415 |
| Loan and lease loss provision to assets | 0.0061% | 2,201 |
| Net operating income to assets | 1.1250% | 1,457 |
| Return on assets (ROA) | 1.0444% | 1,706 |
| Pretax return on assets | 1.3281% | 1,434 |
| Return on Equity (ROE) | 6.9073% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.7655% | 1,973 |
| Net charge-offs to loans | 0.0027% | 1,696 |
| Credit loss provision to net charge-offs | 358.3333% | 616 |
| Earnings coverage of net charge-offs (x) | 837.3333% | 111 |
| Efficiency ratio | 59.2994% | 3,555 |
| Assets per employee ($millions) | 8.2185% | 1,243 |
| Cash dividends to net income (ytd only)* | 2.0531% | 2,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0282% | 3,597 |
| Loan loss allowance to noncurrent loans | 133.0837% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 1.3586% | 290 |
| Noncurrent loans to loans | 0.7726% | 1,232 |
| Net loans and leases to total assets | 60.0671% | 2,055 |
| Net loans and leases to deposits | 72.1309% | 1,765 |
| Net loans and leases to core deposits | 74.7138% | 1,878 |
| Total domestic deposits to total assets | 83.2752% | 3,907 |
| Equity capital to assets | 15.0525% | 388 |
| Core capital (leverage) ratio | 11.4152% | 1,301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8746% | 1,543 |
| Memoranda: | ||
| Average total assets | $2,798,285,500 | 416 |
| Average earning assets | $2,506,468,000 | 423 |
| Average equity | $423,087,500 | 300 |
| Average total loans | $1,757,934,000 | 408 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 1,627 |
| Cost of funding earning assets | 0.0985% | 4,393 |
| Net interest margin | 3.7973% | 1,013 |
| Noninterest income to average assets | 0.5964% | 2,176 |
| Noninterest expense to average assets | 2.4014% | 2,487 |
| Loan and lease loss provision to assets | -0.0206% | 4,228 |
| Net operating income to assets | 1.2005% | 1,922 |
| Return on assets (ROA) | 1.1887% | 2,026 |
| Pretax return on assets | 1.5496% | 1,571 |
| Return on Equity (ROE) | 7.8357% | 3,269 |
| Retained earnings to average equity (ytd only) | 7.7260% | 1,651 |
| Net charge-offs to loans | -0.0050% | 3,554 |
| Credit loss provision to net charge-offs | 612.2222% | 716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1777% | 3,420 |
| Assets per employee ($millions) | 8.0278% | 1,313 |
| Cash dividends to net income (ytd only)* | 1.3997% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9728% | 3,865 |
| Loan loss allowance to noncurrent loans | 110.6769% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.5353% | 263 |
| Noncurrent loans to loans | 0.8790% | 1,156 |
| Net loans and leases to total assets | 64.3520% | 1,664 |
| Net loans and leases to deposits | 76.3105% | 1,541 |
| Net loans and leases to core deposits | 79.0964% | 1,668 |
| Total domestic deposits to total assets | 84.3292% | 3,465 |
| Equity capital to assets | 15.1876% | 470 |
| Core capital (leverage) ratio | 11.4145% | 1,333 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8574% | 1,566 |
| Memoranda: | ||
| Average total assets | $2,680,565,800 | 412 |
| Average earning assets | $2,364,054,400 | 423 |
| Average equity | $406,650,600 | 313 |
| Average total loans | $1,815,105,800 | 389 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9036% | 1,753 |
| Cost of funding earning assets | 0.1021% | 4,484 |
| Net interest margin | 3.8015% | 1,117 |
| Noninterest income to average assets | 0.5534% | 2,399 |
| Noninterest expense to average assets | 2.4147% | 2,394 |
| Loan and lease loss provision to assets | -0.0101% | 4,316 |
| Net operating income to assets | 1.1321% | 2,430 |
| Return on assets (ROA) | 1.1210% | 2,533 |
| Pretax return on assets | 1.4695% | 2,082 |
| Return on Equity (ROE) | 7.3918% | 3,559 |
| Retained earnings to average equity (ytd only) | 7.2932% | 2,311 |
| Net charge-offs to loans | -0.0233% | 4,027 |
| Credit loss provision to net charge-offs | 63.2075% | 1,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3057% | 3,089 |
| Assets per employee ($millions) | 7.7897% | 1,386 |
| Cash dividends to net income (ytd only)* | 1.3343% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9873% | 3,888 |
| Loan loss allowance to noncurrent loans | 179.2647% | 2,690 |
| Noncurrent assets plus other real estate owned to assets | 1.5234% | 319 |
| Noncurrent loans to loans | 0.5508% | 1,938 |
| Net loans and leases to total assets | 67.8796% | 1,337 |
| Net loans and leases to deposits | 80.7400% | 1,217 |
| Net loans and leases to core deposits | 84.0661% | 1,423 |
| Total domestic deposits to total assets | 84.0718% | 3,443 |
| Equity capital to assets | 15.4365% | 477 |
| Core capital (leverage) ratio | 11.3179% | 1,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9435% | 1,631 |
| Memoranda: | ||
| Average total assets | $2,656,303,000 | 415 |
| Average earning assets | $2,330,157,500 | 434 |
| Average equity | $402,850,250 | 316 |
| Average total loans | $1,817,629,250 | 395 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0343% | 1,483 |
| Cost of funding earning assets | 0.1074% | 4,524 |
| Net interest margin | 3.9269% | 923 |
| Noninterest income to average assets | 0.4867% | 2,686 |
| Noninterest expense to average assets | 2.4580% | 2,284 |
| Loan and lease loss provision to assets | 0.0001% | 2,861 |
| Net operating income to assets | 1.1048% | 2,530 |
| Return on assets (ROA) | 1.0935% | 2,642 |
| Pretax return on assets | 1.4336% | 2,231 |
| Return on Equity (ROE) | 7.2541% | 3,592 |
| Retained earnings to average equity (ytd only) | 7.1048% | 2,392 |
| Net charge-offs to loans | 0.0363% | 1,277 |
| Credit loss provision to net charge-offs | 0.3040% | 1,800 |
| Earnings coverage of net charge-offs (x) | 58.2796% | 981 |
| Efficiency ratio | 60.0901% | 3,013 |
| Assets per employee ($millions) | 7.4520% | 1,505 |
| Cash dividends to net income (ytd only)* | 2.0579% | 3,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 3,780 |
| Loan loss allowance to noncurrent loans | 77.7851% | 3,616 |
| Noncurrent assets plus other real estate owned to assets | 1.6906% | 301 |
| Noncurrent loans to loans | 1.3005% | 907 |
| Net loans and leases to total assets | 65.0788% | 1,814 |
| Net loans and leases to deposits | 77.2141% | 1,707 |
| Net loans and leases to core deposits | 80.5460% | 1,842 |
| Total domestic deposits to total assets | 84.2836% | 3,346 |
| Equity capital to assets | 15.2601% | 487 |
| Core capital (leverage) ratio | 10.8567% | 1,687 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2522% | 1,544 |
| Memoranda: | ||
| Average total assets | $2,648,523,333 | 414 |
| Average earning assets | $2,306,087,667 | 431 |
| Average equity | $399,252,667 | 311 |
| Average total loans | $1,811,149,667 | 398 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 1,205 |
| Cost of funding earning assets | 0.1145% | 4,555 |
| Net interest margin | 4.0856% | 734 |
| Noninterest income to average assets | 0.4874% | 2,667 |
| Noninterest expense to average assets | 2.4807% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1912% | 2,179 |
| Return on assets (ROA) | 1.1690% | 2,338 |
| Pretax return on assets | 1.5329% | 1,905 |
| Return on Equity (ROE) | 7.8031% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.5020% | 2,411 |
| Net charge-offs to loans | 0.0028% | 1,821 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 793.3077% | 118 |
| Efficiency ratio | 58.5836% | 3,219 |
| Assets per employee ($millions) | 7.2003% | 1,649 |
| Cash dividends to net income (ytd only)* | 3.8586% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9763% | 3,940 |
| Loan loss allowance to noncurrent loans | 46.8775% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 2.2386% | 206 |
| Noncurrent loans to loans | 2.0826% | 498 |
| Net loans and leases to total assets | 67.6464% | 1,577 |
| Net loans and leases to deposits | 79.7918% | 1,539 |
| Net loans and leases to core deposits | 83.0945% | 1,747 |
| Total domestic deposits to total assets | 84.7787% | 3,191 |
| Equity capital to assets | 14.7921% | 528 |
| Core capital (leverage) ratio | 10.6927% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7935% | 1,969 |
| Memoranda: | ||
| Average total assets | $2,642,610,000 | 411 |
| Average earning assets | $2,298,985,000 | 426 |
| Average equity | $395,893,500 | 312 |
| Average total loans | $1,842,215,500 | 389 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4061% | 1,577 |
| Cost of funding earning assets | 0.2794% | 4,252 |
| Net interest margin | 4.1267% | 745 |
| Noninterest income to average assets | 0.6060% | 2,197 |
| Noninterest expense to average assets | 2.8117% | 1,912 |
| Loan and lease loss provision to assets | 0.3332% | 1,068 |
| Net operating income to assets | 0.8416% | 2,935 |
| Return on assets (ROA) | 0.8447% | 3,052 |
| Pretax return on assets | 1.1136% | 2,638 |
| Return on Equity (ROE) | 5.9972% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.9972% | 1,796 |
| Net charge-offs to loans | 0.0647% | 1,851 |
| Credit loss provision to net charge-offs | 733.5993% | 972 |
| Earnings coverage of net charge-offs (x) | 31.7704% | 1,561 |
| Efficiency ratio | 63.3338% | 2,922 |
| Assets per employee ($millions) | 7.0439% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9795% | 3,945 |
| Loan loss allowance to noncurrent loans | 54.2965% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 2.1805% | 244 |
| Noncurrent loans to loans | 1.8039% | 689 |
| Net loans and leases to total assets | 70.4757% | 1,498 |
| Net loans and leases to deposits | 83.4558% | 1,504 |
| Net loans and leases to core deposits | 87.4352% | 1,750 |
| Total domestic deposits to total assets | 84.4467% | 2,969 |
| Equity capital to assets | 15.1786% | 541 |
| Core capital (leverage) ratio | 10.4268% | 2,214 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7865% | 1,939 |
| Memoranda: | ||
| Average total assets | $2,483,853,000 | 399 |
| Average earning assets | $2,196,007,600 | 407 |
| Average equity | $349,863,600 | 331 |
| Average total loans | $1,742,729,200 | 387 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 1,743 |
| Cost of funding earning assets | 0.3298% | 4,156 |
| Net interest margin | 4.1089% | 885 |
| Noninterest income to average assets | 0.5798% | 2,255 |
| Noninterest expense to average assets | 2.7675% | 2,064 |
| Loan and lease loss provision to assets | 0.4470% | 726 |
| Net operating income to assets | 0.7665% | 3,222 |
| Return on assets (ROA) | 0.7720% | 3,316 |
| Pretax return on assets | 1.0237% | 2,977 |
| Return on Equity (ROE) | 5.5952% | 3,691 |
| Retained earnings to average equity (ytd only) | 5.5952% | 2,290 |
| Net charge-offs to loans | 0.0157% | 2,569 |
| Credit loss provision to net charge-offs | 4,080.1980% | 271 |
| Earnings coverage of net charge-offs (x) | 133.6139% | 655 |
| Efficiency ratio | 62.5939% | 2,973 |
| Assets per employee ($millions) | 6.4812% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,752 |
| Loan loss allowance to noncurrent loans | 90.4716% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.4086% | 637 |
| Noncurrent loans to loans | 1.0923% | 1,378 |
| Net loans and leases to total assets | 71.3125% | 1,768 |
| Net loans and leases to deposits | 83.8897% | 1,923 |
| Net loans and leases to core deposits | 87.9767% | 2,149 |
| Total domestic deposits to total assets | 85.0074% | 2,434 |
| Equity capital to assets | 14.5277% | 722 |
| Core capital (leverage) ratio | 9.8413% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9463% | 2,230 |
| Memoranda: | ||
| Average total assets | $2,458,540,500 | 394 |
| Average earning assets | $2,184,822,500 | 398 |
| Average equity | $339,234,000 | 334 |
| Average total loans | $1,718,439,000 | 388 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4743% | 1,995 |
| Cost of funding earning assets | 0.3883% | 4,087 |
| Net interest margin | 4.0860% | 1,146 |
| Noninterest income to average assets | 0.5040% | 2,544 |
| Noninterest expense to average assets | 2.7304% | 2,290 |
| Loan and lease loss provision to assets | 0.6890% | 409 |
| Net operating income to assets | 0.5545% | 3,873 |
| Return on assets (ROA) | 0.5640% | 3,930 |
| Pretax return on assets | 0.7534% | 3,731 |
| Return on Equity (ROE) | 4.1690% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.1690% | 2,835 |
| Net charge-offs to loans | 0.0252% | 2,215 |
| Credit loss provision to net charge-offs | 3,962.5000% | 276 |
| Earnings coverage of net charge-offs (x) | 82.2596% | 789 |
| Efficiency ratio | 62.6936% | 3,009 |
| Assets per employee ($millions) | 6.7530% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9738% | 3,692 |
| Loan loss allowance to noncurrent loans | 77.8940% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.4623% | 648 |
| Noncurrent loans to loans | 1.2502% | 1,248 |
| Net loans and leases to total assets | 68.1170% | 2,333 |
| Net loans and leases to deposits | 79.1824% | 2,524 |
| Net loans and leases to core deposits | 83.0088% | 2,687 |
| Total domestic deposits to total assets | 86.0255% | 1,999 |
| Equity capital to assets | 12.7598% | 1,253 |
| Core capital (leverage) ratio | 8.4607% | 4,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1137% | 2,131 |
| Memoranda: | ||
| Average total assets | $2,392,284,000 | 398 |
| Average earning assets | $2,140,992,333 | 402 |
| Average equity | $323,630,333 | 346 |
| Average total loans | $1,653,283,000 | 399 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7420% | 1,580 |
| Cost of funding earning assets | 0.5385% | 3,754 |
| Net interest margin | 4.2035% | 916 |
| Noninterest income to average assets | 0.4419% | 2,836 |
| Noninterest expense to average assets | 2.5660% | 3,085 |
| Loan and lease loss provision to assets | 0.6377% | 424 |
| Net operating income to assets | 0.7772% | 2,986 |
| Return on assets (ROA) | 0.7930% | 3,020 |
| Pretax return on assets | 1.0298% | 2,739 |
| Return on Equity (ROE) | 5.6537% | 3,439 |
| Retained earnings to average equity (ytd only) | 5.6537% | 2,015 |
| Net charge-offs to loans | 0.0392% | 1,648 |
| Credit loss provision to net charge-offs | 2,345.2703% | 309 |
| Earnings coverage of net charge-offs (x) | 60.5878% | 799 |
| Efficiency ratio | 58.4703% | 3,940 |
| Assets per employee ($millions) | 6.1317% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8238% | 4,349 |
| Loan loss allowance to noncurrent loans | 69.4773% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.4083% | 795 |
| Noncurrent loans to loans | 1.1857% | 1,385 |
| Net loans and leases to total assets | 65.4314% | 2,884 |
| Net loans and leases to deposits | 76.9052% | 2,993 |
| Net loans and leases to core deposits | 81.9636% | 3,024 |
| Total domestic deposits to total assets | 85.0807% | 2,385 |
| Equity capital to assets | 13.6415% | 1,165 |
| Core capital (leverage) ratio | 11.4931% | 2,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6468% | 2,865 |
| Memoranda: | ||
| Average total assets | $2,177,056,000 | 418 |
| Average earning assets | $1,953,424,000 | 420 |
| Average equity | $305,358,000 | 352 |
| Average total loans | $1,509,087,000 | 421 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7634% | 352 |
| Cost of funding earning assets | 0.7441% | 2,951 |
| Net interest margin | 5.0194% | 258 |
| Noninterest income to average assets | 0.6081% | 2,176 |
| Noninterest expense to average assets | 2.8686% | 2,381 |
| Loan and lease loss provision to assets | 0.1573% | 1,340 |
| Net operating income to assets | 1.6683% | 714 |
| Return on assets (ROA) | 1.6793% | 740 |
| Pretax return on assets | 2.2092% | 380 |
| Return on Equity (ROE) | 10.9796% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.9796% | 336 |
| Net charge-offs to loans | 0.2298% | 892 |
| Credit loss provision to net charge-offs | 90.7856% | 2,645 |
| Earnings coverage of net charge-offs (x) | 13.5778% | 2,345 |
| Efficiency ratio | 53.0377% | 4,515 |
| Assets per employee ($millions) | 6.4044% | 1,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 4,189 |
| Loan loss allowance to noncurrent loans | 111.0612% | 3,106 |
| Noncurrent assets plus other real estate owned to assets | 1.4680% | 695 |
| Noncurrent loans to loans | 0.7562% | 2,002 |
| Net loans and leases to total assets | 73.7061% | 1,800 |
| Net loans and leases to deposits | 86.9563% | 1,976 |
| Net loans and leases to core deposits | 94.9342% | 1,986 |
| Total domestic deposits to total assets | 84.7622% | 2,587 |
| Equity capital to assets | 14.6030% | 902 |
| Core capital (leverage) ratio | 13.0938% | 1,199 |
| Tier 1 risk-based capital ratio | 14.6972% | 2,909 |
| Total risk-based capital ratio | 15.8110% | 2,891 |
| Memoranda: | ||
| Average total assets | $1,572,181,600 | 534 |
| Average earning assets | $1,444,888,000 | 527 |
| Average equity | $240,464,000 | 405 |
| Average total loans | $1,185,459,200 | 494 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9901% | 242 |
| Cost of funding earning assets | 0.7588% | 2,925 |
| Net interest margin | 5.2313% | 188 |
| Noninterest income to average assets | 0.6414% | 2,027 |
| Noninterest expense to average assets | 3.0434% | 1,849 |
| Loan and lease loss provision to assets | 0.0791% | 2,326 |
| Net operating income to assets | 1.7718% | 646 |
| Return on assets (ROA) | 1.7880% | 660 |
| Pretax return on assets | 2.3489% | 340 |
| Return on Equity (ROE) | 11.5414% | 1,788 |
| Retained earnings to average equity (ytd only) | 11.5414% | 443 |
| Net charge-offs to loans | 0.0653% | 1,889 |
| Credit loss provision to net charge-offs | 159.9647% | 1,557 |
| Earnings coverage of net charge-offs (x) | 48.7161% | 1,219 |
| Efficiency ratio | 53.7320% | 4,422 |
| Assets per employee ($millions) | 6.0106% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9066% | 4,013 |
| Loan loss allowance to noncurrent loans | 132.3597% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.4184% | 809 |
| Noncurrent loans to loans | 0.6850% | 2,249 |
| Net loans and leases to total assets | 75.5390% | 1,554 |
| Net loans and leases to deposits | 89.7784% | 1,726 |
| Net loans and leases to core deposits | 98.3806% | 1,792 |
| Total domestic deposits to total assets | 84.1394% | 2,770 |
| Equity capital to assets | 14.9838% | 850 |
| Core capital (leverage) ratio | 12.9370% | 1,368 |
| Tier 1 risk-based capital ratio | 14.1775% | 3,234 |
| Total risk-based capital ratio | 15.3244% | 3,197 |
| Memoranda: | ||
| Average total assets | $1,529,727,500 | 547 |
| Average earning assets | $1,406,392,000 | 540 |
| Average equity | $236,984,000 | 412 |
| Average total loans | $1,158,115,750 | 511 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1133% | 197 |
| Cost of funding earning assets | 0.7362% | 2,969 |
| Net interest margin | 5.3771% | 156 |
| Noninterest income to average assets | 0.4839% | 2,762 |
| Noninterest expense to average assets | 3.1013% | 1,727 |
| Loan and lease loss provision to assets | 0.0775% | 2,261 |
| Net operating income to assets | 1.7037% | 722 |
| Return on assets (ROA) | 1.6830% | 778 |
| Pretax return on assets | 2.2402% | 411 |
| Return on Equity (ROE) | 10.7325% | 2,082 |
| Retained earnings to average equity (ytd only) | 10.7325% | 595 |
| Net charge-offs to loans | 0.0392% | 2,099 |
| Credit loss provision to net charge-offs | 261.8182% | 984 |
| Earnings coverage of net charge-offs (x) | 79.1955% | 823 |
| Efficiency ratio | 54.7954% | 4,380 |
| Assets per employee ($millions) | 5.9733% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8931% | 4,120 |
| Loan loss allowance to noncurrent loans | 145.8831% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 816 |
| Noncurrent loans to loans | 0.6122% | 2,427 |
| Net loans and leases to total assets | 76.4467% | 1,481 |
| Net loans and leases to deposits | 90.2212% | 1,711 |
| Net loans and leases to core deposits | 99.2455% | 1,790 |
| Total domestic deposits to total assets | 84.7325% | 2,586 |
| Equity capital to assets | 14.4465% | 964 |
| Core capital (leverage) ratio | 12.3849% | 1,595 |
| Tier 1 risk-based capital ratio | 13.7209% | 3,474 |
| Total risk-based capital ratio | 14.8683% | 3,416 |
| Memoranda: | ||
| Average total assets | $1,486,666,000 | 557 |
| Average earning assets | $1,371,696,330 | 553 |
| Average equity | $233,122,670 | 415 |
| Average total loans | $1,122,624,000 | 518 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1341% | 176 |
| Cost of funding earning assets | 0.7972% | 2,554 |
| Net interest margin | 5.3370% | 165 |
| Noninterest income to average assets | 0.4367% | 2,934 |
| Noninterest expense to average assets | 3.2043% | 1,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6582% | 798 |
| Return on assets (ROA) | 1.6582% | 826 |
| Pretax return on assets | 2.1791% | 473 |
| Return on Equity (ROE) | 10.1001% | 2,328 |
| Retained earnings to average equity (ytd only) | 10.1001% | 1,013 |
| Net charge-offs to loans | 0.0765% | 1,308 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 38.2362% | 1,180 |
| Efficiency ratio | 56.2560% | 4,299 |
| Assets per employee ($millions) | 5.9390% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 4,194 |
| Loan loss allowance to noncurrent loans | 165.6458% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3253% | 971 |
| Noncurrent loans to loans | 0.5385% | 2,695 |
| Net loans and leases to total assets | 71.2177% | 2,296 |
| Net loans and leases to deposits | 83.5532% | 2,435 |
| Net loans and leases to core deposits | 91.4884% | 2,347 |
| Total domestic deposits to total assets | 85.2363% | 2,587 |
| Equity capital to assets | 13.6491% | 1,156 |
| Core capital (leverage) ratio | 11.7331% | 1,953 |
| Tier 1 risk-based capital ratio | 13.4976% | 3,602 |
| Total risk-based capital ratio | 14.6427% | 3,576 |
| Memoranda: | ||
| Average total assets | $1,396,730,500 | 586 |
| Average earning assets | $1,294,596,500 | 581 |
| Average equity | $229,305,500 | 422 |
| Average total loans | $1,041,189,500 | 558 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,755 |
| Cost of funding earning assets | 0.4785% | 3,494 |
| Net interest margin | 4.2437% | 1,294 |
| Noninterest income to average assets | 0.5064% | 2,803 |
| Noninterest expense to average assets | 2.6585% | 3,159 |
| Loan and lease loss provision to assets | 0.0092% | 3,939 |
| Net operating income to assets | 1.3857% | 1,477 |
| Return on assets (ROA) | 1.3857% | 1,473 |
| Pretax return on assets | 1.8284% | 854 |
| Return on Equity (ROE) | 6.7827% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.7827% | 1,765 |
| Net charge-offs to loans | -0.1013% | 5,155 |
| Credit loss provision to net charge-offs | -11.6390% | 4,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6757% | 4,052 |
| Assets per employee ($millions) | 6.4057% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2973% | 2,052 |
| Loan loss allowance to noncurrent loans | 148.7101% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 2.0730% | 449 |
| Noncurrent loans to loans | 0.8724% | 1,849 |
| Net loans and leases to total assets | 77.7275% | 1,318 |
| Net loans and leases to deposits | 102.3078% | 571 |
| Net loans and leases to core deposits | 105.7724% | 1,286 |
| Total domestic deposits to total assets | 75.9742% | 4,756 |
| Equity capital to assets | 20.7502% | 203 |
| Core capital (leverage) ratio | 20.3046% | 222 |
| Tier 1 risk-based capital ratio | 22.3961% | 979 |
| Total risk-based capital ratio | 23.5681% | 960 |
| Memoranda: | ||
| Average total assets | $1,069,187,400 | 717 |
| Average earning assets | $1,005,194,600 | 702 |
| Average equity | $218,439,600 | 422 |
| Average total loans | $830,811,400 | 672 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 1,757 |
| Cost of funding earning assets | 0.4394% | 3,605 |
| Net interest margin | 4.2337% | 1,277 |
| Noninterest income to average assets | 0.5170% | 2,761 |
| Noninterest expense to average assets | 2.6388% | 3,163 |
| Loan and lease loss provision to assets | 0.0123% | 3,752 |
| Net operating income to assets | 1.3983% | 1,500 |
| Return on assets (ROA) | 1.3983% | 1,500 |
| Pretax return on assets | 1.8425% | 922 |
| Return on Equity (ROE) | 6.8716% | 3,978 |
| Retained earnings to average equity (ytd only) | 6.8716% | 2,196 |
| Net charge-offs to loans | 0.0820% | 1,703 |
| Credit loss provision to net charge-offs | 19.3294% | 3,020 |
| Earnings coverage of net charge-offs (x) | 29.2013% | 1,640 |
| Efficiency ratio | 58.2469% | 4,079 |
| Assets per employee ($millions) | 6.5013% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1816% | 2,731 |
| Loan loss allowance to noncurrent loans | 179.4091% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 2.0715% | 504 |
| Noncurrent loans to loans | 0.6586% | 2,438 |
| Net loans and leases to total assets | 75.7540% | 1,699 |
| Net loans and leases to deposits | 96.8835% | 1,050 |
| Net loans and leases to core deposits | 99.9610% | 1,801 |
| Total domestic deposits to total assets | 78.1907% | 4,457 |
| Equity capital to assets | 20.4574% | 215 |
| Core capital (leverage) ratio | 20.1460% | 230 |
| Tier 1 risk-based capital ratio | 22.4886% | 991 |
| Total risk-based capital ratio | 23.5453% | 987 |
| Memoranda: | ||
| Average total assets | $1,064,240,750 | 719 |
| Average earning assets | $999,614,250 | 707 |
| Average equity | $216,558,500 | 422 |
| Average total loans | $824,125,000 | 674 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6580% | 1,622 |
| Cost of funding earning assets | 0.4010% | 3,714 |
| Net interest margin | 4.2571% | 1,139 |
| Noninterest income to average assets | 0.6127% | 2,256 |
| Noninterest expense to average assets | 2.6583% | 3,138 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4816% | 1,196 |
| Return on assets (ROA) | 1.4816% | 1,197 |
| Pretax return on assets | 1.9518% | 681 |
| Return on Equity (ROE) | 7.2944% | 3,794 |
| Retained earnings to average equity (ytd only) | 7.2944% | 1,927 |
| Net charge-offs to loans | 0.1281% | 1,156 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 19.6148% | 1,845 |
| Efficiency ratio | 57.1756% | 4,336 |
| Assets per employee ($millions) | 6.2763% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 2,806 |
| Loan loss allowance to noncurrent loans | 256.3163% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 1.9004% | 580 |
| Noncurrent loans to loans | 0.4628% | 3,047 |
| Net loans and leases to total assets | 75.8402% | 1,660 |
| Net loans and leases to deposits | 97.1255% | 1,029 |
| Net loans and leases to core deposits | 100.2680% | 1,716 |
| Total domestic deposits to total assets | 78.0848% | 4,576 |
| Equity capital to assets | 20.5886% | 204 |
| Core capital (leverage) ratio | 19.8305% | 235 |
| Tier 1 risk-based capital ratio | 22.5783% | 976 |
| Total risk-based capital ratio | 23.6430% | 976 |
| Memoranda: | ||
| Average total assets | $1,059,250,670 | 723 |
| Average earning assets | $994,631,330 | 709 |
| Average equity | $215,151,670 | 424 |
| Average total loans | $823,059,670 | 668 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6851% | 1,341 |
| Cost of funding earning assets | 0.3748% | 3,779 |
| Net interest margin | 4.3104% | 932 |
| Noninterest income to average assets | 0.7346% | 1,682 |
| Noninterest expense to average assets | 2.6150% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6268% | 808 |
| Return on assets (ROA) | 1.6268% | 808 |
| Pretax return on assets | 2.1615% | 405 |
| Return on Equity (ROE) | 8.0642% | 3,341 |
| Retained earnings to average equity (ytd only) | 8.0642% | 1,811 |
| Net charge-offs to loans | 0.0512% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 53.9623% | 905 |
| Efficiency ratio | 54.2563% | 4,773 |
| Assets per employee ($millions) | 6.3079% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2380% | 2,589 |
| Loan loss allowance to noncurrent loans | 119.5469% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 2.3422% | 421 |
| Noncurrent loans to loans | 1.0356% | 1,768 |
| Net loans and leases to total assets | 75.8732% | 1,561 |
| Net loans and leases to deposits | 98.0223% | 856 |
| Net loans and leases to core deposits | 101.2641% | 1,592 |
| Total domestic deposits to total assets | 77.4039% | 4,816 |
| Equity capital to assets | 20.3157% | 204 |
| Core capital (leverage) ratio | 19.5425% | 229 |
| Tier 1 risk-based capital ratio | 22.1260% | 1,033 |
| Total risk-based capital ratio | 23.2337% | 1,031 |
| Memoranda: | ||
| Average total assets | $1,058,527,500 | 726 |
| Average earning assets | $992,587,000 | 712 |
| Average equity | $213,536,000 | 430 |
| Average total loans | $827,543,000 | 667 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5522% | 1,558 |
| Cost of funding earning assets | 0.3500% | 3,722 |
| Net interest margin | 4.2023% | 1,186 |
| Noninterest income to average assets | 0.3395% | 4,043 |
| Noninterest expense to average assets | 2.7076% | 3,104 |
| Loan and lease loss provision to assets | 0.0454% | 3,330 |
| Net operating income to assets | 0.6267% | 3,902 |
| Return on assets (ROA) | 0.6267% | 3,939 |
| Pretax return on assets | 1.5058% | 1,618 |
| Return on Equity (ROE) | 3.2349% | 4,762 |
| Retained earnings to average equity (ytd only) | 3.2349% | 3,355 |
| Net charge-offs to loans | -0.0187% | 4,940 |
| Credit loss provision to net charge-offs | -295.2096% | 4,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9332% | 3,790 |
| Assets per employee ($millions) | 6.6083% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,705 |
| Loan loss allowance to noncurrent loans | 118.3477% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 2.6353% | 335 |
| Noncurrent loans to loans | 1.0233% | 1,736 |
| Net loans and leases to total assets | 78.5729% | 1,208 |
| Net loans and leases to deposits | 98.6835% | 849 |
| Net loans and leases to core deposits | 101.4800% | 1,589 |
| Total domestic deposits to total assets | 79.6211% | 4,409 |
| Equity capital to assets | 20.0298% | 208 |
| Core capital (leverage) ratio | 19.1277% | 230 |
| Tier 1 risk-based capital ratio | 20.6728% | 1,203 |
| Total risk-based capital ratio | 21.7426% | 1,200 |
| Memoranda: | ||
| Average total assets | $1,085,515,600 | 683 |
| Average earning assets | $1,012,429,200 | 672 |
| Average equity | $210,302,800 | 422 |
| Average total loans | $894,229,600 | 591 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5855% | 1,407 |
| Cost of funding earning assets | 0.3512% | 3,655 |
| Net interest margin | 4.2343% | 1,071 |
| Noninterest income to average assets | 0.4828% | 3,132 |
| Noninterest expense to average assets | 2.7158% | 3,008 |
| Loan and lease loss provision to assets | 0.0010% | 4,075 |
| Net operating income to assets | 1.0888% | 2,138 |
| Return on assets (ROA) | 1.0888% | 2,195 |
| Pretax return on assets | 1.7153% | 1,081 |
| Return on Equity (ROE) | 5.6664% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.6664% | 2,453 |
| Net charge-offs to loans | -0.0244% | 4,919 |
| Credit loss provision to net charge-offs | -4.8193% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6394% | 4,108 |
| Assets per employee ($millions) | 6.1841% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1711% | 3,078 |
| Loan loss allowance to noncurrent loans | 115.7399% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 2.3850% | 476 |
| Noncurrent loans to loans | 1.0119% | 1,923 |
| Net loans and leases to total assets | 76.9474% | 1,427 |
| Net loans and leases to deposits | 96.7683% | 1,035 |
| Net loans and leases to core deposits | 99.6358% | 1,733 |
| Total domestic deposits to total assets | 79.5172% | 4,434 |
| Equity capital to assets | 20.1594% | 225 |
| Core capital (leverage) ratio | 19.0220% | 250 |
| Tier 1 risk-based capital ratio | 21.1898% | 1,166 |
| Total risk-based capital ratio | 22.2240% | 1,172 |
| Memoranda: | ||
| Average total assets | $1,092,560,750 | 682 |
| Average earning assets | $1,019,009,000 | 670 |
| Average equity | $209,933,000 | 423 |
| Average total loans | $907,546,000 | 586 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 1,305 |
| Cost of funding earning assets | 0.3495% | 3,585 |
| Net interest margin | 4.2285% | 1,016 |
| Noninterest income to average assets | 0.4830% | 3,127 |
| Noninterest expense to average assets | 2.7046% | 3,074 |
| Loan and lease loss provision to assets | 0.0015% | 3,858 |
| Net operating income to assets | 1.1000% | 1,973 |
| Return on assets (ROA) | 1.1000% | 2,027 |
| Pretax return on assets | 1.7179% | 1,017 |
| Return on Equity (ROE) | 5.8167% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.8167% | 2,220 |
| Net charge-offs to loans | -0.0360% | 5,035 |
| Credit loss provision to net charge-offs | -4.7619% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4840% | 4,248 |
| Assets per employee ($millions) | 6.1542% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0903% | 3,638 |
| Loan loss allowance to noncurrent loans | 180.4501% | 2,427 |
| Noncurrent assets plus other real estate owned to assets | 2.0900% | 594 |
| Noncurrent loans to loans | 0.6042% | 2,913 |
| Net loans and leases to total assets | 82.1814% | 643 |
| Net loans and leases to deposits | 102.8905% | 556 |
| Net loans and leases to core deposits | 106.4822% | 1,190 |
| Total domestic deposits to total assets | 79.8727% | 4,439 |
| Equity capital to assets | 19.7630% | 227 |
| Core capital (leverage) ratio | 18.6145% | 265 |
| Tier 1 risk-based capital ratio | 19.3412% | 1,511 |
| Total risk-based capital ratio | 20.3051% | 1,531 |
| Memoranda: | ||
| Average total assets | $1,102,191,670 | 676 |
| Average earning assets | $1,027,212,330 | 666 |
| Average equity | $208,434,330 | 425 |
| Average total loans | $934,006,670 | 575 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4772% | 1,434 |
| Cost of funding earning assets | 0.3422% | 3,612 |
| Net interest margin | 4.1350% | 1,132 |
| Noninterest income to average assets | 0.3414% | 4,113 |
| Noninterest expense to average assets | 2.6522% | 3,301 |
| Loan and lease loss provision to assets | 0.0333% | 3,121 |
| Net operating income to assets | 1.0033% | 2,288 |
| Return on assets (ROA) | 1.0033% | 2,339 |
| Pretax return on assets | 1.5132% | 1,494 |
| Return on Equity (ROE) | 5.4226% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.4226% | 2,653 |
| Net charge-offs to loans | -0.0703% | 5,327 |
| Credit loss provision to net charge-offs | -55.3571% | 3,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4680% | 4,079 |
| Assets per employee ($millions) | 6.3378% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0315% | 4,088 |
| Loan loss allowance to noncurrent loans | 165.3599% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1036% | 612 |
| Noncurrent loans to loans | 0.6238% | 2,955 |
| Net loans and leases to total assets | 84.6567% | 315 |
| Net loans and leases to deposits | 107.5178% | 272 |
| Net loans and leases to core deposits | 111.5338% | 794 |
| Total domestic deposits to total assets | 78.7373% | 4,873 |
| Equity capital to assets | 18.7713% | 264 |
| Core capital (leverage) ratio | 17.9521% | 289 |
| Tier 1 risk-based capital ratio | 18.6984% | 1,692 |
| Total risk-based capital ratio | 19.6450% | 1,723 |
| Memoranda: | ||
| Average total assets | $1,117,868,500 | 670 |
| Average earning assets | $1,042,798,000 | 659 |
| Average equity | $206,836,500 | 430 |
| Average total loans | $956,144,500 | 568 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5203% | 1,476 |
| Cost of funding earning assets | 0.3442% | 3,590 |
| Net interest margin | 4.1761% | 1,174 |
| Noninterest income to average assets | 0.4962% | 3,268 |
| Noninterest expense to average assets | 2.7146% | 3,302 |
| Loan and lease loss provision to assets | -0.0384% | 5,558 |
| Net operating income to assets | 1.0673% | 2,047 |
| Return on assets (ROA) | 1.0673% | 2,155 |
| Pretax return on assets | 1.6864% | 1,039 |
| Return on Equity (ROE) | 6.0654% | 3,953 |
| Retained earnings to average equity (ytd only) | 6.0654% | 1,674 |
| Net charge-offs to loans | 0.0530% | 2,973 |
| Credit loss provision to net charge-offs | -85.4331% | 4,874 |
| Earnings coverage of net charge-offs (x) | 36.6319% | 1,256 |
| Efficiency ratio | 61.4591% | 4,346 |
| Assets per employee ($millions) | 6.5502% | 1,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 4,400 |
| Loan loss allowance to noncurrent loans | 156.9193% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 2.1381% | 620 |
| Noncurrent loans to loans | 0.6299% | 2,961 |
| Net loans and leases to total assets | 84.6813% | 323 |
| Net loans and leases to deposits | 106.9230% | 305 |
| Net loans and leases to core deposits | 110.8652% | 840 |
| Total domestic deposits to total assets | 79.1984% | 4,750 |
| Equity capital to assets | 18.2384% | 288 |
| Core capital (leverage) ratio | 17.4155% | 323 |
| Tier 1 risk-based capital ratio | 18.5297% | 1,719 |
| Total risk-based capital ratio | 19.4513% | 1,758 |
| Memoranda: | ||
| Average total assets | $1,129,178,000 | 636 |
| Average earning assets | $1,045,448,400 | 628 |
| Average equity | $198,700,400 | 434 |
| Average total loans | $958,983,200 | 530 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5202% | 1,479 |
| Cost of funding earning assets | 0.3413% | 3,640 |
| Net interest margin | 4.1789% | 1,181 |
| Noninterest income to average assets | 0.3818% | 4,054 |
| Noninterest expense to average assets | 2.7350% | 3,237 |
| Loan and lease loss provision to assets | -0.0623% | 5,739 |
| Net operating income to assets | 0.9775% | 2,530 |
| Return on assets (ROA) | 0.9775% | 2,661 |
| Pretax return on assets | 1.5726% | 1,456 |
| Return on Equity (ROE) | 5.6058% | 4,270 |
| Retained earnings to average equity (ytd only) | 5.6058% | 2,433 |
| Net charge-offs to loans | 0.0709% | 2,299 |
| Credit loss provision to net charge-offs | -103.7328% | 4,761 |
| Earnings coverage of net charge-offs (x) | 25.1434% | 1,646 |
| Efficiency ratio | 63.6182% | 3,980 |
| Assets per employee ($millions) | 6.4235% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 4,517 |
| Loan loss allowance to noncurrent loans | 104.2334% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 2.9954% | 384 |
| Noncurrent loans to loans | 0.9397% | 2,363 |
| Net loans and leases to total assets | 84.3288% | 382 |
| Net loans and leases to deposits | 106.5124% | 363 |
| Net loans and leases to core deposits | 110.5869% | 880 |
| Total domestic deposits to total assets | 79.1727% | 4,683 |
| Equity capital to assets | 17.7932% | 361 |
| Core capital (leverage) ratio | 17.1182% | 358 |
| Tier 1 risk-based capital ratio | 18.0833% | 1,892 |
| Total risk-based capital ratio | 18.9952% | 1,950 |
| Memoranda: | ||
| Average total assets | $1,129,815,250 | 633 |
| Average earning assets | $1,044,560,750 | 632 |
| Average equity | $197,005,750 | 439 |
| Average total loans | $957,836,750 | 529 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 1,412 |
| Cost of funding earning assets | 0.3378% | 3,720 |
| Net interest margin | 4.1998% | 1,115 |
| Noninterest income to average assets | 0.3874% | 3,972 |
| Noninterest expense to average assets | 2.7221% | 3,300 |
| Loan and lease loss provision to assets | -0.0152% | 5,775 |
| Net operating income to assets | 0.9712% | 2,518 |
| Return on assets (ROA) | 0.9712% | 2,659 |
| Pretax return on assets | 1.5657% | 1,473 |
| Return on Equity (ROE) | 5.6078% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.6078% | 2,359 |
| Net charge-offs to loans | 0.1054% | 1,772 |
| Credit loss provision to net charge-offs | -17.0635% | 4,472 |
| Earnings coverage of net charge-offs (x) | 17.3750% | 1,878 |
| Efficiency ratio | 62.8859% | 4,192 |
| Assets per employee ($millions) | 6.1328% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 4,262 |
| Loan loss allowance to noncurrent loans | 171.8636% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 2.7535% | 466 |
| Noncurrent loans to loans | 0.6067% | 3,248 |
| Net loans and leases to total assets | 84.4466% | 383 |
| Net loans and leases to deposits | 107.7988% | 305 |
| Net loans and leases to core deposits | 112.2485% | 802 |
| Total domestic deposits to total assets | 78.3372% | 4,930 |
| Equity capital to assets | 17.8741% | 350 |
| Core capital (leverage) ratio | 16.9117% | 375 |
| Tier 1 risk-based capital ratio | 17.9602% | 1,940 |
| Total risk-based capital ratio | 18.9221% | 1,981 |
| Memoranda: | ||
| Average total assets | $1,129,577,000 | 639 |
| Average earning assets | $1,044,955,670 | 626 |
| Average equity | $195,622,000 | 441 |
| Average total loans | $956,185,000 | 527 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,401 |
| Cost of funding earning assets | 0.3363% | 3,767 |
| Net interest margin | 4.2016% | 1,097 |
| Noninterest income to average assets | 0.2324% | 5,078 |
| Noninterest expense to average assets | 2.6198% | 3,689 |
| Loan and lease loss provision to assets | -0.0369% | 5,933 |
| Net operating income to assets | 0.9567% | 2,478 |
| Return on assets (ROA) | 0.9567% | 2,598 |
| Pretax return on assets | 1.5451% | 1,455 |
| Return on Equity (ROE) | 5.6120% | 4,167 |
| Retained earnings to average equity (ytd only) | 5.6120% | 2,572 |
| Net charge-offs to loans | 0.0004% | 3,092 |
| Credit loss provision to net charge-offs | -10,500.0000% | 5,076 |
| Earnings coverage of net charge-offs (x) | 4,296.0000% | 5 |
| Efficiency ratio | 62.5957% | 4,359 |
| Assets per employee ($millions) | 6.5243% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0716% | 4,213 |
| Loan loss allowance to noncurrent loans | 151.1011% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 2.7521% | 500 |
| Noncurrent loans to loans | 0.7092% | 3,075 |
| Net loans and leases to total assets | 82.3648% | 517 |
| Net loans and leases to deposits | 100.0387% | 621 |
| Net loans and leases to core deposits | 103.8083% | 1,201 |
| Total domestic deposits to total assets | 82.3330% | 4,107 |
| Equity capital to assets | 16.8468% | 434 |
| Core capital (leverage) ratio | 16.5516% | 414 |
| Tier 1 risk-based capital ratio | 17.5008% | 2,121 |
| Total risk-based capital ratio | 18.4980% | 2,164 |
| Memoranda: | ||
| Average total assets | $1,139,343,500 | 636 |
| Average earning assets | $1,056,347,500 | 629 |
| Average equity | $194,228,000 | 439 |
| Average total loans | $960,642,000 | 526 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 752 |
| Cost of funding earning assets | 0.2757% | 4,527 |
| Net interest margin | 4.6336% | 509 |
| Noninterest income to average assets | 0.3715% | 4,255 |
| Noninterest expense to average assets | 2.9951% | 2,564 |
| Loan and lease loss provision to assets | 0.1868% | 1,195 |
| Net operating income to assets | 0.8993% | 2,874 |
| Return on assets (ROA) | 0.8993% | 2,952 |
| Pretax return on assets | 1.4375% | 1,759 |
| Return on Equity (ROE) | 5.1719% | 4,415 |
| Retained earnings to average equity (ytd only) | 5.1719% | 2,298 |
| Net charge-offs to loans | 0.0950% | 2,475 |
| Credit loss provision to net charge-offs | 234.4907% | 1,218 |
| Earnings coverage of net charge-offs (x) | 20.3900% | 1,882 |
| Efficiency ratio | 63.9129% | 4,288 |
| Assets per employee ($millions) | 6.0073% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 4,071 |
| Loan loss allowance to noncurrent loans | 447.3077% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 2.4740% | 626 |
| Noncurrent loans to loans | 0.2452% | 4,555 |
| Net loans and leases to total assets | 84.4787% | 349 |
| Net loans and leases to deposits | 109.0152% | 271 |
| Net loans and leases to core deposits | 113.4880% | 709 |
| Total domestic deposits to total assets | 77.4926% | 5,242 |
| Equity capital to assets | 17.2558% | 383 |
| Core capital (leverage) ratio | 16.5487% | 414 |
| Tier 1 risk-based capital ratio | 17.4541% | 2,139 |
| Total risk-based capital ratio | 18.4773% | 2,166 |
| Memoranda: | ||
| Average total assets | $1,084,560,800 | 648 |
| Average earning assets | $994,302,200 | 640 |
| Average equity | $188,578,000 | 435 |
| Average total loans | $909,432,400 | 520 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9441% | 693 |
| Cost of funding earning assets | 0.2635% | 4,737 |
| Net interest margin | 4.6806% | 469 |
| Noninterest income to average assets | 0.4115% | 3,999 |
| Noninterest expense to average assets | 2.9969% | 2,539 |
| Loan and lease loss provision to assets | 0.1422% | 1,557 |
| Net operating income to assets | 0.9728% | 2,611 |
| Return on assets (ROA) | 0.9728% | 2,690 |
| Pretax return on assets | 1.5524% | 1,526 |
| Return on Equity (ROE) | 5.5836% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.5836% | 2,535 |
| Net charge-offs to loans | 0.0042% | 4,036 |
| Credit loss provision to net charge-offs | 4,100.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 488.6027% | 148 |
| Efficiency ratio | 62.9403% | 4,414 |
| Assets per employee ($millions) | 6.2233% | 1,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 4,051 |
| Loan loss allowance to noncurrent loans | 197.5180% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 2.7400% | 588 |
| Noncurrent loans to loans | 0.5728% | 3,616 |
| Net loans and leases to total assets | 82.7100% | 504 |
| Net loans and leases to deposits | 109.0568% | 272 |
| Net loans and leases to core deposits | 114.2446% | 660 |
| Total domestic deposits to total assets | 75.8412% | 5,514 |
| Equity capital to assets | 17.3700% | 394 |
| Core capital (leverage) ratio | 16.7144% | 405 |
| Tier 1 risk-based capital ratio | 17.7714% | 2,098 |
| Total risk-based capital ratio | 18.8178% | 2,126 |
| Memoranda: | ||
| Average total assets | $1,076,359,750 | 656 |
| Average earning assets | $984,229,750 | 651 |
| Average equity | $187,520,000 | 440 |
| Average total loans | $898,190,000 | 529 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9571% | 643 |
| Cost of funding earning assets | 0.2511% | 4,927 |
| Net interest margin | 4.7060% | 442 |
| Noninterest income to average assets | 0.3959% | 4,103 |
| Noninterest expense to average assets | 2.9437% | 2,735 |
| Loan and lease loss provision to assets | 0.1832% | 1,115 |
| Net operating income to assets | 0.9916% | 2,428 |
| Return on assets (ROA) | 0.9916% | 2,541 |
| Pretax return on assets | 1.5648% | 1,440 |
| Return on Equity (ROE) | 5.6860% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.6860% | 2,417 |
| Net charge-offs to loans | 0.0195% | 3,295 |
| Credit loss provision to net charge-offs | 1,124.1379% | 316 |
| Earnings coverage of net charge-offs (x) | 107.2874% | 574 |
| Efficiency ratio | 61.7690% | 4,708 |
| Assets per employee ($millions) | 6.2860% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 4,331 |
| Loan loss allowance to noncurrent loans | 157.2486% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 2.9292% | 577 |
| Noncurrent loans to loans | 0.6986% | 3,395 |
| Net loans and leases to total assets | 83.4428% | 420 |
| Net loans and leases to deposits | 120.6103% | 92 |
| Net loans and leases to core deposits | 129.9209% | 276 |
| Total domestic deposits to total assets | 69.1838% | 6,068 |
| Equity capital to assets | 17.1664% | 403 |
| Core capital (leverage) ratio | 16.7005% | 387 |
| Tier 1 risk-based capital ratio | 17.4105% | 2,251 |
| Total risk-based capital ratio | 18.4285% | 2,287 |
| Memoranda: | ||
| Average total assets | $1,067,971,670 | 664 |
| Average earning assets | $974,887,670 | 659 |
| Average equity | $186,248,330 | 445 |
| Average total loans | $890,421,670 | 530 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 593 |
| Cost of funding earning assets | 0.2381% | 5,142 |
| Net interest margin | 4.7374% | 393 |
| Noninterest income to average assets | 0.4053% | 3,963 |
| Noninterest expense to average assets | 3.0162% | 2,531 |
| Loan and lease loss provision to assets | 0.2038% | 895 |
| Net operating income to assets | 1.0001% | 2,273 |
| Return on assets (ROA) | 1.0001% | 2,404 |
| Pretax return on assets | 1.4982% | 1,573 |
| Return on Equity (ROE) | 5.6879% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.6879% | 2,667 |
| Net charge-offs to loans | -0.0248% | 5,148 |
| Credit loss provision to net charge-offs | -992.5926% | 4,965 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9191% | 4,636 |
| Assets per employee ($millions) | 6.1333% | 1,305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 4,494 |
| Loan loss allowance to noncurrent loans | 194.9754% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 3.1474% | 574 |
| Noncurrent loans to loans | 0.5666% | 3,890 |
| Net loans and leases to total assets | 82.5342% | 412 |
| Net loans and leases to deposits | 119.6204% | 85 |
| Net loans and leases to core deposits | 127.1318% | 284 |
| Total domestic deposits to total assets | 68.9968% | 6,170 |
| Equity capital to assets | 17.3507% | 393 |
| Core capital (leverage) ratio | 16.9657% | 361 |
| Tier 1 risk-based capital ratio | 17.1942% | 2,405 |
| Total risk-based capital ratio | 18.1878% | 2,454 |
| Memoranda: | ||
| Average total assets | $1,051,935,000 | 672 |
| Average earning assets | $957,653,500 | 669 |
| Average equity | $184,953,500 | 449 |
| Average total loans | $871,580,500 | 539 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3808% | 395 |
| Cost of funding earning assets | 0.2602% | 5,222 |
| Net interest margin | 5.1205% | 244 |
| Noninterest income to average assets | 0.3610% | 4,510 |
| Noninterest expense to average assets | 3.1790% | 2,263 |
| Loan and lease loss provision to assets | 0.0092% | 4,443 |
| Net operating income to assets | 1.0975% | 1,985 |
| Return on assets (ROA) | 1.0975% | 2,039 |
| Pretax return on assets | 1.7964% | 797 |
| Return on Equity (ROE) | 6.2178% | 4,038 |
| Retained earnings to average equity (ytd only) | 6.2178% | 1,797 |
| Net charge-offs to loans | 0.0270% | 4,286 |
| Credit loss provision to net charge-offs | 41.4414% | 3,650 |
| Earnings coverage of net charge-offs (x) | 81.6532% | 612 |
| Efficiency ratio | 62.6374% | 4,805 |
| Assets per employee ($millions) | 5.5705% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0981% | 4,547 |
| Loan loss allowance to noncurrent loans | 76.5088% | 4,318 |
| Noncurrent assets plus other real estate owned to assets | 4.1567% | 397 |
| Noncurrent loans to loans | 1.4352% | 2,051 |
| Net loans and leases to total assets | 81.3260% | 592 |
| Net loans and leases to deposits | 111.2056% | 211 |
| Net loans and leases to core deposits | 124.0421% | 319 |
| Total domestic deposits to total assets | 73.1312% | 6,006 |
| Equity capital to assets | 17.8233% | 332 |
| Core capital (leverage) ratio | 16.7175% | 395 |
| Tier 1 risk-based capital ratio | 17.6040% | 2,277 |
| Total risk-based capital ratio | 18.5887% | 2,333 |
| Memoranda: | ||
| Average total assets | $1,003,934,400 | 678 |
| Average earning assets | $906,508,800 | 677 |
| Average equity | $177,199,800 | 446 |
| Average total loans | $822,623,400 | 539 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4095% | 372 |
| Cost of funding earning assets | 0.2627% | 5,277 |
| Net interest margin | 5.1469% | 220 |
| Noninterest income to average assets | 0.3119% | 4,946 |
| Noninterest expense to average assets | 3.2320% | 2,084 |
| Loan and lease loss provision to assets | 0.0766% | 2,803 |
| Net operating income to assets | 1.0055% | 2,427 |
| Return on assets (ROA) | 1.0055% | 2,491 |
| Pretax return on assets | 1.6430% | 1,202 |
| Return on Equity (ROE) | 5.7112% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.7112% | 2,593 |
| Net charge-offs to loans | 0.0021% | 4,642 |
| Credit loss provision to net charge-offs | 4,407.6923% | 89 |
| Earnings coverage of net charge-offs (x) | 989.5499% | 74 |
| Efficiency ratio | 64.0900% | 4,525 |
| Assets per employee ($millions) | 5.6011% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 4,435 |
| Loan loss allowance to noncurrent loans | 71.0326% | 4,449 |
| Noncurrent assets plus other real estate owned to assets | 4.3628% | 429 |
| Noncurrent loans to loans | 1.6355% | 1,994 |
| Net loans and leases to total assets | 81.6257% | 549 |
| Net loans and leases to deposits | 119.8942% | 98 |
| Net loans and leases to core deposits | 138.1862% | 160 |
| Total domestic deposits to total assets | 68.0815% | 6,348 |
| Equity capital to assets | 17.2919% | 397 |
| Core capital (leverage) ratio | 16.9596% | 378 |
| Tier 1 risk-based capital ratio | 17.3941% | 2,431 |
| Total risk-based capital ratio | 18.4520% | 2,485 |
| Memoranda: | ||
| Average total assets | $997,282,250 | 675 |
| Average earning assets | $899,007,750 | 679 |
| Average equity | $175,580,500 | 445 |
| Average total loans | $816,428,250 | 540 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5106% | 299 |
| Cost of funding earning assets | 0.2751% | 5,235 |
| Net interest margin | 5.2355% | 188 |
| Noninterest income to average assets | 0.3064% | 4,954 |
| Noninterest expense to average assets | 3.2547% | 2,037 |
| Loan and lease loss provision to assets | 0.0236% | 3,806 |
| Net operating income to assets | 1.0661% | 2,048 |
| Return on assets (ROA) | 1.0661% | 2,130 |
| Pretax return on assets | 1.7393% | 944 |
| Return on Equity (ROE) | 6.0175% | 4,139 |
| Retained earnings to average equity (ytd only) | 6.0175% | 2,312 |
| Net charge-offs to loans | 0.0022% | 4,312 |
| Credit loss provision to net charge-offs | 1,288.8889% | 272 |
| Earnings coverage of net charge-offs (x) | 962.2222% | 66 |
| Efficiency ratio | 63.6522% | 4,747 |
| Assets per employee ($millions) | 5.4207% | 1,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 4,473 |
| Loan loss allowance to noncurrent loans | 68.8059% | 4,552 |
| Noncurrent assets plus other real estate owned to assets | 4.6781% | 407 |
| Noncurrent loans to loans | 1.7275% | 1,997 |
| Net loans and leases to total assets | 80.4044% | 639 |
| Net loans and leases to deposits | 115.8942% | 122 |
| Net loans and leases to core deposits | 126.1237% | 268 |
| Total domestic deposits to total assets | 69.3774% | 6,377 |
| Equity capital to assets | 17.9167% | 328 |
| Core capital (leverage) ratio | 16.5619% | 408 |
| Tier 1 risk-based capital ratio | 18.4653% | 2,080 |
| Total risk-based capital ratio | 19.5591% | 2,098 |
| Memoranda: | ||
| Average total assets | $982,443,330 | 684 |
| Average earning assets | $884,081,330 | 691 |
| Average equity | $174,058,330 | 442 |
| Average total loans | $801,780,670 | 546 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5537% | 265 |
| Cost of funding earning assets | 0.2888% | 5,182 |
| Net interest margin | 5.2649% | 166 |
| Noninterest income to average assets | 0.3211% | 4,798 |
| Noninterest expense to average assets | 3.1074% | 2,507 |
| Loan and lease loss provision to assets | 0.0669% | 2,786 |
| Net operating income to assets | 1.1624% | 1,587 |
| Return on assets (ROA) | 1.1624% | 1,658 |
| Pretax return on assets | 1.8915% | 661 |
| Return on Equity (ROE) | 6.5985% | 3,682 |
| Retained earnings to average equity (ytd only) | 6.5985% | 2,233 |
| Net charge-offs to loans | 0.0020% | 3,634 |
| Credit loss provision to net charge-offs | 4,100.0000% | 99 |
| Earnings coverage of net charge-offs (x) | 1,200.0000% | 18 |
| Efficiency ratio | 60.0999% | 5,394 |
| Assets per employee ($millions) | 5.6026% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 4,754 |
| Loan loss allowance to noncurrent loans | 65.0156% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 4.3234% | 520 |
| Noncurrent loans to loans | 1.8079% | 2,124 |
| Net loans and leases to total assets | 80.8938% | 468 |
| Net loans and leases to deposits | 110.1684% | 149 |
| Net loans and leases to core deposits | 122.8320% | 277 |
| Total domestic deposits to total assets | 73.4274% | 6,282 |
| Equity capital to assets | 17.4612% | 353 |
| Core capital (leverage) ratio | 16.6623% | 400 |
| Tier 1 risk-based capital ratio | 17.8147% | 2,368 |
| Total risk-based capital ratio | 18.8927% | 2,398 |
| Memoranda: | ||
| Average total assets | $980,380,000 | 688 |
| Average earning assets | $883,513,000 | 693 |
| Average equity | $172,707,000 | 448 |
| Average total loans | $801,277,000 | 544 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 201 |
| Cost of funding earning assets | 0.3283% | 5,340 |
| Net interest margin | 5.5659% | 117 |
| Noninterest income to average assets | 0.4700% | 3,961 |
| Noninterest expense to average assets | 3.6916% | 1,294 |
| Loan and lease loss provision to assets | 0.0062% | 5,002 |
| Net operating income to assets | 1.1374% | 1,803 |
| Return on assets (ROA) | 1.1374% | 1,866 |
| Pretax return on assets | 1.7396% | 874 |
| Return on Equity (ROE) | 6.5141% | 3,826 |
| Retained earnings to average equity (ytd only) | 6.5141% | 1,678 |
| Net charge-offs to loans | -0.0001% | 5,817 |
| Credit loss provision to net charge-offs | -5,900.0000% | 6,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5838% | 4,456 |
| Assets per employee ($millions) | 5.2081% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 4,660 |
| Loan loss allowance to noncurrent loans | 72.8346% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 4.2764% | 600 |
| Noncurrent loans to loans | 1.6476% | 2,436 |
| Net loans and leases to total assets | 80.6230% | 531 |
| Net loans and leases to deposits | 112.6348% | 128 |
| Net loans and leases to core deposits | 123.4146% | 281 |
| Total domestic deposits to total assets | 71.5791% | 6,449 |
| Equity capital to assets | 17.7769% | 334 |
| Core capital (leverage) ratio | 17.1957% | 354 |
| Tier 1 risk-based capital ratio | 18.4298% | 2,107 |
| Total risk-based capital ratio | 19.5428% | 2,110 |
| Memoranda: | ||
| Average total assets | $954,890,200 | 694 |
| Average earning assets | $852,206,000 | 701 |
| Average equity | $166,730,200 | 447 |
| Average total loans | $765,351,200 | 551 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0245% | 174 |
| Cost of funding earning assets | 0.3311% | 5,461 |
| Net interest margin | 5.6934% | 107 |
| Noninterest income to average assets | 0.4859% | 3,894 |
| Noninterest expense to average assets | 3.2878% | 2,102 |
| Loan and lease loss provision to assets | 0.1325% | 2,626 |
| Net operating income to assets | 1.3673% | 1,176 |
| Return on assets (ROA) | 1.3673% | 1,229 |
| Pretax return on assets | 2.1360% | 442 |
| Return on Equity (ROE) | 7.8665% | 3,190 |
| Retained earnings to average equity (ytd only) | 7.8665% | 1,473 |
| Net charge-offs to loans | -0.0007% | 5,650 |
| Credit loss provision to net charge-offs | -23,675.0000% | 6,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8632% | 5,709 |
| Assets per employee ($millions) | 5.2960% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3891% | 3,944 |
| Loan loss allowance to noncurrent loans | 57.9201% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 4.8834% | 580 |
| Noncurrent loans to loans | 2.3983% | 1,827 |
| Net loans and leases to total assets | 78.2008% | 724 |
| Net loans and leases to deposits | 103.8224% | 302 |
| Net loans and leases to core deposits | 117.8641% | 357 |
| Total domestic deposits to total assets | 75.3218% | 6,245 |
| Equity capital to assets | 18.1823% | 309 |
| Core capital (leverage) ratio | 16.7747% | 406 |
| Tier 1 risk-based capital ratio | 19.2931% | 1,908 |
| Total risk-based capital ratio | 20.5434% | 1,874 |
| Memoranda: | ||
| Average total assets | $952,737,000 | 694 |
| Average earning assets | $848,498,750 | 703 |
| Average equity | $165,592,500 | 454 |
| Average total loans | $760,129,000 | 552 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0739% | 160 |
| Cost of funding earning assets | 0.3293% | 5,573 |
| Net interest margin | 5.7446% | 104 |
| Noninterest income to average assets | 0.5159% | 3,730 |
| Noninterest expense to average assets | 3.3059% | 2,054 |
| Loan and lease loss provision to assets | 0.1804% | 2,106 |
| Net operating income to assets | 1.2737% | 1,390 |
| Return on assets (ROA) | 1.2737% | 1,489 |
| Pretax return on assets | 2.1398% | 471 |
| Return on Equity (ROE) | 7.4401% | 3,372 |
| Retained earnings to average equity (ytd only) | 7.4401% | 1,694 |
| Net charge-offs to loans | -0.0013% | 5,507 |
| Credit loss provision to net charge-offs | -17,280.0000% | 6,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4504% | 5,804 |
| Assets per employee ($millions) | 5.3788% | 1,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,495 |
| Loan loss allowance to noncurrent loans | 50.9702% | 5,159 |
| Noncurrent assets plus other real estate owned to assets | 5.0227% | 612 |
| Noncurrent loans to loans | 2.5558% | 1,803 |
| Net loans and leases to total assets | 79.7195% | 562 |
| Net loans and leases to deposits | 106.2788% | 219 |
| Net loans and leases to core deposits | 126.5496% | 216 |
| Total domestic deposits to total assets | 75.0098% | 6,358 |
| Equity capital to assets | 17.1425% | 404 |
| Core capital (leverage) ratio | 15.8670% | 480 |
| Tier 1 risk-based capital ratio | 17.7119% | 2,432 |
| Total risk-based capital ratio | 18.9050% | 2,422 |
| Memoranda: | ||
| Average total assets | $957,854,330 | 691 |
| Average earning assets | $852,070,000 | 700 |
| Average equity | $163,977,330 | 462 |
| Average total loans | $765,715,670 | 546 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9013% | 195 |
| Cost of funding earning assets | 0.3302% | 5,722 |
| Net interest margin | 5.5712% | 115 |
| Noninterest income to average assets | 0.4413% | 4,173 |
| Noninterest expense to average assets | 3.2623% | 2,181 |
| Loan and lease loss provision to assets | 0.0884% | 3,187 |
| Net operating income to assets | 1.2135% | 1,495 |
| Return on assets (ROA) | 1.2135% | 1,602 |
| Pretax return on assets | 2.0215% | 571 |
| Return on Equity (ROE) | 7.0933% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.0933% | 2,112 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3150% | 5,683 |
| Assets per employee ($millions) | 5.2757% | 1,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2683% | 4,855 |
| Loan loss allowance to noncurrent loans | 51.6823% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 5.6424% | 601 |
| Noncurrent loans to loans | 2.4541% | 2,099 |
| Net loans and leases to total assets | 78.5724% | 554 |
| Net loans and leases to deposits | 106.7045% | 187 |
| Net loans and leases to core deposits | 125.3877% | 213 |
| Total domestic deposits to total assets | 73.6355% | 6,560 |
| Equity capital to assets | 17.2654% | 397 |
| Core capital (leverage) ratio | 16.2302% | 429 |
| Tier 1 risk-based capital ratio | 17.3635% | 2,619 |
| Total risk-based capital ratio | 18.4842% | 2,634 |
| Memoranda: | ||
| Average total assets | $949,999,500 | 709 |
| Average earning assets | $840,828,000 | 721 |
| Average equity | $162,519,500 | 473 |
| Average total loans | $755,391,500 | 554 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 318 |
| Cost of funding earning assets | 0.3791% | 6,057 |
| Net interest margin | 5.5104% | 169 |
| Noninterest income to average assets | 0.4309% | 4,377 |
| Noninterest expense to average assets | 3.3974% | 2,055 |
| Loan and lease loss provision to assets | 0.1341% | 3,948 |
| Net operating income to assets | 1.0508% | 2,120 |
| Return on assets (ROA) | 1.0531% | 2,306 |
| Pretax return on assets | 1.8199% | 885 |
| Return on Equity (ROE) | 6.4477% | 3,936 |
| Retained earnings to average equity (ytd only) | 6.4477% | 1,849 |
| Net charge-offs to loans | 0.0426% | 5,321 |
| Credit loss provision to net charge-offs | 397.8261% | 609 |
| Earnings coverage of net charge-offs (x) | 57.8447% | 614 |
| Efficiency ratio | 62.1492% | 5,212 |
| Assets per employee ($millions) | 5.3999% | 1,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 4,920 |
| Loan loss allowance to noncurrent loans | 34.4112% | 5,878 |
| Noncurrent assets plus other real estate owned to assets | 6.6663% | 487 |
| Noncurrent loans to loans | 3.6082% | 1,363 |
| Net loans and leases to total assets | 78.4617% | 621 |
| Net loans and leases to deposits | 107.7203% | 191 |
| Net loans and leases to core deposits | 122.0193% | 261 |
| Total domestic deposits to total assets | 72.8384% | 6,637 |
| Equity capital to assets | 16.9494% | 422 |
| Core capital (leverage) ratio | 15.7934% | 473 |
| Tier 1 risk-based capital ratio | 17.0154% | 2,646 |
| Total risk-based capital ratio | 18.1167% | 2,682 |
| Memoranda: | ||
| Average total assets | $954,923,800 | 690 |
| Average earning assets | $852,090,400 | 704 |
| Average equity | $155,961,600 | 475 |
| Average total loans | $756,317,800 | 544 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8401% | 375 |
| Cost of funding earning assets | 0.3883% | 6,186 |
| Net interest margin | 5.4518% | 190 |
| Noninterest income to average assets | 0.3097% | 5,307 |
| Noninterest expense to average assets | 3.3442% | 2,150 |
| Loan and lease loss provision to assets | 0.1392% | 3,801 |
| Net operating income to assets | 1.0048% | 2,477 |
| Return on assets (ROA) | 1.0079% | 2,694 |
| Pretax return on assets | 1.7085% | 1,246 |
| Return on Equity (ROE) | 6.2294% | 4,213 |
| Retained earnings to average equity (ytd only) | 6.2294% | 2,540 |
| Net charge-offs to loans | 0.0566% | 4,863 |
| Credit loss provision to net charge-offs | 310.9034% | 866 |
| Earnings coverage of net charge-offs (x) | 41.1682% | 864 |
| Efficiency ratio | 63.0837% | 4,961 |
| Assets per employee ($millions) | 5.4542% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2029% | 5,263 |
| Loan loss allowance to noncurrent loans | 30.2525% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 7.0873% | 506 |
| Noncurrent loans to loans | 3.9761% | 1,296 |
| Net loans and leases to total assets | 77.8032% | 756 |
| Net loans and leases to deposits | 107.6237% | 201 |
| Net loans and leases to core deposits | 128.8944% | 202 |
| Total domestic deposits to total assets | 72.2919% | 6,730 |
| Equity capital to assets | 16.5146% | 526 |
| Core capital (leverage) ratio | 14.7618% | 656 |
| Tier 1 risk-based capital ratio | 15.4344% | 3,577 |
| Total risk-based capital ratio | 16.4484% | 3,656 |
| Memoranda: | ||
| Average total assets | $956,060,500 | 696 |
| Average earning assets | $855,334,250 | 704 |
| Average equity | $154,681,250 | 478 |
| Average total loans | $756,633,000 | 542 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8438% | 377 |
| Cost of funding earning assets | 0.3955% | 6,288 |
| Net interest margin | 5.4482% | 189 |
| Noninterest income to average assets | 0.2252% | 5,957 |
| Noninterest expense to average assets | 3.1589% | 2,724 |
| Loan and lease loss provision to assets | 0.0943% | 4,376 |
| Net operating income to assets | 1.1212% | 1,975 |
| Return on assets (ROA) | 1.1257% | 2,176 |
| Pretax return on assets | 1.8842% | 871 |
| Return on Equity (ROE) | 7.0066% | 3,775 |
| Retained earnings to average equity (ytd only) | 7.0066% | 2,099 |
| Net charge-offs to loans | 0.0875% | 4,279 |
| Credit loss provision to net charge-offs | 135.9517% | 2,024 |
| Earnings coverage of net charge-offs (x) | 28.4320% | 1,109 |
| Efficiency ratio | 60.2589% | 5,536 |
| Assets per employee ($millions) | 5.5254% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 5,859 |
| Loan loss allowance to noncurrent loans | 16.4483% | 6,611 |
| Noncurrent assets plus other real estate owned to assets | 7.7425% | 460 |
| Noncurrent loans to loans | 6.5707% | 632 |
| Net loans and leases to total assets | 78.9831% | 620 |
| Net loans and leases to deposits | 105.8714% | 236 |
| Net loans and leases to core deposits | 127.5357% | 229 |
| Total domestic deposits to total assets | 74.6029% | 6,623 |
| Equity capital to assets | 15.8063% | 616 |
| Core capital (leverage) ratio | 14.1785% | 761 |
| Tier 1 risk-based capital ratio | 15.0078% | 3,766 |
| Total risk-based capital ratio | 15.9492% | 3,927 |
| Memoranda: | ||
| Average total assets | $954,770,000 | 695 |
| Average earning assets | $859,579,330 | 699 |
| Average equity | $153,398,670 | 476 |
| Average total loans | $756,860,330 | 533 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6776% | 540 |
| Cost of funding earning assets | 0.4133% | 6,343 |
| Net interest margin | 5.2643% | 273 |
| Noninterest income to average assets | 0.1736% | 6,334 |
| Noninterest expense to average assets | 3.0404% | 3,114 |
| Loan and lease loss provision to assets | 0.1280% | 3,747 |
| Net operating income to assets | 1.0892% | 2,143 |
| Return on assets (ROA) | 1.0985% | 2,283 |
| Pretax return on assets | 1.7738% | 1,136 |
| Return on Equity (ROE) | 6.7794% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.7794% | 2,536 |
| Net charge-offs to loans | -0.0119% | 6,000 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4536% | 5,551 |
| Assets per employee ($millions) | 5.9518% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 5,511 |
| Loan loss allowance to noncurrent loans | 15.3180% | 6,682 |
| Noncurrent assets plus other real estate owned to assets | 8.3649% | 448 |
| Noncurrent loans to loans | 7.7968% | 509 |
| Net loans and leases to total assets | 76.8726% | 711 |
| Net loans and leases to deposits | 103.3252% | 278 |
| Net loans and leases to core deposits | 108.9303% | 573 |
| Total domestic deposits to total assets | 74.3987% | 6,712 |
| Equity capital to assets | 16.3066% | 528 |
| Core capital (leverage) ratio | 15.6227% | 512 |
| Tier 1 risk-based capital ratio | 16.4399% | 2,942 |
| Total risk-based capital ratio | 17.4569% | 3,026 |
| Memoranda: | ||
| Average total assets | $937,629,000 | 707 |
| Average earning assets | $846,765,000 | 709 |
| Average equity | $151,931,500 | 478 |
| Average total loans | $740,431,000 | 552 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4907% | 1,187 |
| Cost of funding earning assets | 0.5667% | 6,256 |
| Net interest margin | 4.9240% | 483 |
| Noninterest income to average assets | -0.0275% | 7,041 |
| Noninterest expense to average assets | 3.2423% | 2,716 |
| Loan and lease loss provision to assets | 0.4759% | 2,224 |
| Net operating income to assets | 0.4236% | 4,762 |
| Return on assets (ROA) | 0.4261% | 4,948 |
| Pretax return on assets | 0.8105% | 3,940 |
| Return on Equity (ROE) | 2.1772% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.1772% | 4,667 |
| Net charge-offs to loans | 0.4292% | 3,287 |
| Credit loss provision to net charge-offs | 139.7451% | 2,114 |
| Earnings coverage of net charge-offs (x) | 3.7655% | 3,395 |
| Efficiency ratio | 71.6566% | 3,648 |
| Assets per employee ($millions) | 5.5981% | 1,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 5,724 |
| Loan loss allowance to noncurrent loans | 17.4649% | 6,684 |
| Noncurrent assets plus other real estate owned to assets | 7.6013% | 566 |
| Noncurrent loans to loans | 6.4317% | 734 |
| Net loans and leases to total assets | 79.2418% | 571 |
| Net loans and leases to deposits | 101.7431% | 388 |
| Net loans and leases to core deposits | 101.7431% | 1,049 |
| Total domestic deposits to total assets | 77.8841% | 6,218 |
| Equity capital to assets | 16.1004% | 567 |
| Core capital (leverage) ratio | 15.7734% | 489 |
| Tier 1 risk-based capital ratio | 16.2669% | 2,921 |
| Total risk-based capital ratio | 17.2518% | 3,009 |
| Memoranda: | ||
| Average total assets | $760,167,800 | 867 |
| Average earning assets | $702,788,400 | 855 |
| Average equity | $148,770,800 | 474 |
| Average total loans | $603,146,200 | 693 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 1,662 |
| Cost of funding earning assets | 0.5942% | 6,306 |
| Net interest margin | 4.7606% | 674 |
| Noninterest income to average assets | 0.1063% | 6,720 |
| Noninterest expense to average assets | 3.1138% | 3,108 |
| Loan and lease loss provision to assets | 0.3439% | 2,818 |
| Net operating income to assets | 0.5709% | 4,215 |
| Return on assets (ROA) | 0.5745% | 4,384 |
| Pretax return on assets | 1.0743% | 3,117 |
| Return on Equity (ROE) | 2.7748% | 5,514 |
| Retained earnings to average equity (ytd only) | 2.7748% | 4,702 |
| Net charge-offs to loans | 0.3626% | 3,274 |
| Credit loss provision to net charge-offs | 119.9221% | 2,712 |
| Earnings coverage of net charge-offs (x) | 4.9260% | 2,919 |
| Efficiency ratio | 68.7921% | 4,161 |
| Assets per employee ($millions) | 5.5106% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 5,983 |
| Loan loss allowance to noncurrent loans | 16.1884% | 6,785 |
| Noncurrent assets plus other real estate owned to assets | 6.4193% | 811 |
| Noncurrent loans to loans | 6.6252% | 790 |
| Net loans and leases to total assets | 79.9906% | 517 |
| Net loans and leases to deposits | 101.1648% | 419 |
| Net loans and leases to core deposits | 101.1648% | 1,146 |
| Total domestic deposits to total assets | 79.0696% | 5,972 |
| Equity capital to assets | 16.9526% | 487 |
| Core capital (leverage) ratio | 17.4055% | 368 |
| Tier 1 risk-based capital ratio | 17.9587% | 2,272 |
| Total risk-based capital ratio | 18.8855% | 2,357 |
| Memoranda: | ||
| Average total assets | $716,490,500 | 920 |
| Average earning assets | $665,251,500 | 897 |
| Average equity | $148,333,750 | 480 |
| Average total loans | $566,625,500 | 754 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 2,342 |
| Cost of funding earning assets | 0.6182% | 6,370 |
| Net interest margin | 4.5630% | 984 |
| Noninterest income to average assets | 0.0876% | 6,891 |
| Noninterest expense to average assets | 3.0935% | 3,280 |
| Loan and lease loss provision to assets | 0.4078% | 2,393 |
| Net operating income to assets | 0.4215% | 4,849 |
| Return on assets (ROA) | 0.4215% | 5,001 |
| Pretax return on assets | 0.8142% | 3,971 |
| Return on Equity (ROE) | 1.8829% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.8829% | 5,036 |
| Net charge-offs to loans | 0.5531% | 2,445 |
| Credit loss provision to net charge-offs | 94.1877% | 3,337 |
| Earnings coverage of net charge-offs (x) | 2.8221% | 3,437 |
| Efficiency ratio | 71.6835% | 3,800 |
| Assets per employee ($millions) | 6.8484% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 4,347 |
| Loan loss allowance to noncurrent loans | 37.9035% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 2.9619% | 2,261 |
| Noncurrent loans to loans | 3.8257% | 1,818 |
| Net loans and leases to total assets | 76.2994% | 1,039 |
| Net loans and leases to deposits | 99.5624% | 515 |
| Net loans and leases to core deposits | 99.5624% | 1,384 |
| Total domestic deposits to total assets | 76.6347% | 6,503 |
| Equity capital to assets | 22.8422% | 156 |
| Core capital (leverage) ratio | 21.9454% | 160 |
| Tier 1 risk-based capital ratio | 25.2306% | 883 |
| Total risk-based capital ratio | 26.4674% | 869 |
| Memoranda: | ||
| Average total assets | $659,583,000 | 998 |
| Average earning assets | $611,136,670 | 976 |
| Average equity | $147,643,000 | 481 |
| Average total loans | $516,373,670 | 830 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1391% | 2,479 |
| Cost of funding earning assets | 0.6232% | 6,506 |
| Net interest margin | 4.5159% | 1,036 |
| Noninterest income to average assets | 0.0879% | 6,973 |
| Noninterest expense to average assets | 3.1864% | 2,940 |
| Loan and lease loss provision to assets | 0.3042% | 2,735 |
| Net operating income to assets | 0.4246% | 4,829 |
| Return on assets (ROA) | 0.4246% | 4,919 |
| Pretax return on assets | 0.7746% | 3,995 |
| Return on Equity (ROE) | 1.9163% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.9163% | 4,971 |
| Net charge-offs to loans | 0.3574% | 2,630 |
| Credit loss provision to net charge-offs | 108.1370% | 2,469 |
| Earnings coverage of net charge-offs (x) | 3.8351% | 2,617 |
| Efficiency ratio | 74.7070% | 3,391 |
| Assets per employee ($millions) | 6.9193% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 4,537 |
| Loan loss allowance to noncurrent loans | 37.6617% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 2.9680% | 2,324 |
| Noncurrent loans to loans | 3.7873% | 1,937 |
| Net loans and leases to total assets | 77.2485% | 836 |
| Net loans and leases to deposits | 101.8582% | 383 |
| Net loans and leases to core deposits | 103.2935% | 1,110 |
| Total domestic deposits to total assets | 75.8392% | 6,693 |
| Equity capital to assets | 22.2192% | 165 |
| Core capital (leverage) ratio | 22.0945% | 158 |
| Tier 1 risk-based capital ratio | 24.1280% | 959 |
| Total risk-based capital ratio | 25.3130% | 950 |
| Memoranda: | ||
| Average total assets | $664,077,500 | 1,002 |
| Average earning assets | $614,271,500 | 988 |
| Average equity | $147,159,500 | 480 |
| Average total loans | $522,709,000 | 825 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9729% | 4,681 |
| Cost of funding earning assets | 0.9097% | 6,134 |
| Net interest margin | 4.0632% | 2,732 |
| Noninterest income to average assets | 0.0848% | 6,969 |
| Noninterest expense to average assets | 2.9068% | 4,199 |
| Loan and lease loss provision to assets | 0.6116% | 2,687 |
| Net operating income to assets | 1.5910% | 628 |
| Return on assets (ROA) | 1.5910% | 684 |
| Pretax return on assets | 0.3354% | 5,126 |
| Return on Equity (ROE) | 7.0124% | 3,120 |
| Retained earnings to average equity (ytd only) | 7.0124% | 1,316 |
| Net charge-offs to loans | 0.1381% | 5,540 |
| Credit loss provision to net charge-offs | 585.6025% | 377 |
| Earnings coverage of net charge-offs (x) | 9.0673% | 1,883 |
| Efficiency ratio | 75.4283% | 3,130 |
| Assets per employee ($millions) | 7.2956% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 4,470 |
| Loan loss allowance to noncurrent loans | 38.3282% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 2.9030% | 2,419 |
| Noncurrent loans to loans | 3.6720% | 2,028 |
| Net loans and leases to total assets | 77.9454% | 948 |
| Net loans and leases to deposits | 105.6707% | 337 |
| Net loans and leases to core deposits | 107.2031% | 1,109 |
| Total domestic deposits to total assets | 73.7625% | 6,923 |
| Equity capital to assets | 22.1007% | 178 |
| Core capital (leverage) ratio | 22.7667% | 155 |
| Tier 1 risk-based capital ratio | 23.8731% | 944 |
| Total risk-based capital ratio | 25.1213% | 926 |
| Memoranda: | ||
| Average total assets | $611,875,400 | 1,089 |
| Average earning assets | $567,556,600 | 1,064 |
| Average equity | $138,824,600 | 494 |
| Average total loans | $462,579,200 | 975 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 5,035 |
| Cost of funding earning assets | 0.9772% | 6,047 |
| Net interest margin | 3.9738% | 3,218 |
| Noninterest income to average assets | 0.0853% | 7,108 |
| Noninterest expense to average assets | 2.9283% | 3,985 |
| Loan and lease loss provision to assets | 0.4272% | 3,346 |
| Net operating income to assets | 0.4172% | 4,671 |
| Return on assets (ROA) | 0.4172% | 4,845 |
| Pretax return on assets | 0.4172% | 5,169 |
| Return on Equity (ROE) | 1.8258% | 5,668 |
| Retained earnings to average equity (ytd only) | 1.8258% | 5,047 |
| Net charge-offs to loans | 0.1906% | 4,809 |
| Credit loss provision to net charge-offs | 300.3130% | 1,058 |
| Earnings coverage of net charge-offs (x) | 5.9358% | 2,635 |
| Efficiency ratio | 77.6171% | 2,676 |
| Assets per employee ($millions) | 6.7891% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,585 |
| Loan loss allowance to noncurrent loans | 29.2965% | 6,373 |
| Noncurrent assets plus other real estate owned to assets | 3.1083% | 2,327 |
| Noncurrent loans to loans | 4.0322% | 1,853 |
| Net loans and leases to total assets | 76.1755% | 1,373 |
| Net loans and leases to deposits | 112.0132% | 220 |
| Net loans and leases to core deposits | 112.0132% | 935 |
| Total domestic deposits to total assets | 68.0058% | 7,381 |
| Equity capital to assets | 22.9817% | 167 |
| Core capital (leverage) ratio | 22.3320% | 167 |
| Tier 1 risk-based capital ratio | 25.6348% | 801 |
| Total risk-based capital ratio | 26.7015% | 806 |
| Memoranda: | ||
| Average total assets | $598,869,000 | 1,127 |
| Average earning assets | $555,720,000 | 1,092 |
| Average equity | $136,849,000 | 496 |
| Average total loans | $447,007,250 | 1,013 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7811% | 5,858 |
| Cost of funding earning assets | 1.0637% | 5,854 |
| Net interest margin | 3.7174% | 4,283 |
| Noninterest income to average assets | 0.0827% | 7,175 |
| Noninterest expense to average assets | 2.9370% | 3,930 |
| Loan and lease loss provision to assets | 0.3554% | 3,585 |
| Net operating income to assets | 0.2367% | 5,429 |
| Return on assets (ROA) | 0.2367% | 5,570 |
| Pretax return on assets | 0.2367% | 5,686 |
| Return on Equity (ROE) | 1.0379% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.0379% | 5,352 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2222% | 2,011 |
| Assets per employee ($millions) | 7.0425% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,913 |
| Loan loss allowance to noncurrent loans | 26.9448% | 6,551 |
| Noncurrent assets plus other real estate owned to assets | 3.1625% | 2,239 |
| Noncurrent loans to loans | 4.1038% | 1,831 |
| Net loans and leases to total assets | 76.2112% | 1,448 |
| Net loans and leases to deposits | 101.4961% | 622 |
| Net loans and leases to core deposits | 101.4961% | 1,867 |
| Total domestic deposits to total assets | 75.0879% | 6,843 |
| Equity capital to assets | 22.1411% | 193 |
| Core capital (leverage) ratio | 22.4358% | 163 |
| Tier 1 risk-based capital ratio | 25.5431% | 806 |
| Total risk-based capital ratio | 26.5789% | 804 |
| Memoranda: | ||
| Average total assets | $594,819,670 | 1,141 |
| Average earning assets | $551,465,000 | 1,104 |
| Average equity | $135,658,000 | 495 |
| Average total loans | $439,006,670 | 1,036 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8243% | 5,790 |
| Cost of funding earning assets | 1.1128% | 5,840 |
| Net interest margin | 3.7115% | 4,183 |
| Noninterest income to average assets | 0.0767% | 7,316 |
| Noninterest expense to average assets | 2.9880% | 3,724 |
| Loan and lease loss provision to assets | 0.1375% | 5,184 |
| Net operating income to assets | 0.3669% | 4,991 |
| Return on assets (ROA) | 0.3669% | 5,114 |
| Pretax return on assets | 0.3669% | 5,392 |
| Return on Equity (ROE) | 1.5839% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.5839% | 5,155 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5560% | 1,846 |
| Assets per employee ($millions) | 6.4206% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 6,196 |
| Loan loss allowance to noncurrent loans | 29.3256% | 6,441 |
| Noncurrent assets plus other real estate owned to assets | 2.6164% | 2,783 |
| Noncurrent loans to loans | 3.6078% | 2,205 |
| Net loans and leases to total assets | 71.7525% | 2,512 |
| Net loans and leases to deposits | 95.3921% | 1,183 |
| Net loans and leases to core deposits | 95.3921% | 2,653 |
| Total domestic deposits to total assets | 75.2185% | 6,873 |
| Equity capital to assets | 22.9907% | 181 |
| Core capital (leverage) ratio | 22.8997% | 168 |
| Tier 1 risk-based capital ratio | 27.9123% | 645 |
| Total risk-based capital ratio | 28.8822% | 653 |
| Memoranda: | ||
| Average total assets | $578,840,000 | 1,196 |
| Average earning assets | $532,723,500 | 1,190 |
| Average equity | $134,099,000 | 506 |
| Average total loans | $417,001,500 | 1,124 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5846% | 7,297 |
| Cost of funding earning assets | 1.3226% | 6,229 |
| Net interest margin | 3.2620% | 5,884 |
| Noninterest income to average assets | 0.1208% | 7,154 |
| Noninterest expense to average assets | 4.0815% | 1,255 |
| Loan and lease loss provision to assets | 0.6939% | 3,046 |
| Net operating income to assets | -1.6367% | 6,928 |
| Return on assets (ROA) | -1.6367% | 6,932 |
| Pretax return on assets | -1.6367% | 6,777 |
| Return on Equity (ROE) | -6.9311% | 6,382 |
| Retained earnings to average equity (ytd only) | -6.9311% | 6,235 |
| Net charge-offs to loans | 0.0150% | 7,011 |
| Credit loss provision to net charge-offs | 6,676.1905% | 49 |
| Earnings coverage of net charge-offs (x) | -90.7143% | 7,223 |
| Efficiency ratio | 130.0378% | 479 |
| Assets per employee ($millions) | 5.9114% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 6,158 |
| Loan loss allowance to noncurrent loans | 28.0238% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 2.6660% | 2,631 |
| Noncurrent loans to loans | 3.7259% | 2,018 |
| Net loans and leases to total assets | 70.8058% | 3,051 |
| Net loans and leases to deposits | 96.2645% | 1,302 |
| Net loans and leases to core deposits | 142.6247% | 721 |
| Total domestic deposits to total assets | 73.5534% | 7,080 |
| Equity capital to assets | 23.3463% | 198 |
| Core capital (leverage) ratio | 25.2893% | 150 |
| Tier 1 risk-based capital ratio | 27.8736% | 657 |
| Total risk-based capital ratio | 28.8014% | 652 |
| Memoranda: | ||
| Average total assets | $404,114,800 | 1,694 |
| Average earning assets | $373,884,000 | 1,682 |
| Average equity | $95,424,600 | 686 |
| Average total loans | $279,606,400 | 1,721 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4422% | 7,569 |
| Cost of funding earning assets | 1.3703% | 6,333 |
| Net interest margin | 3.0718% | 6,393 |
| Noninterest income to average assets | 0.1271% | 7,251 |
| Noninterest expense to average assets | 4.4606% | 775 |
| Loan and lease loss provision to assets | 0.9191% | 2,086 |
| Net operating income to assets | -2.4083% | 7,447 |
| Return on assets (ROA) | -2.4083% | 7,439 |
| Pretax return on assets | -2.4083% | 7,317 |
| Return on Equity (ROE) | -10.1536% | 6,907 |
| Retained earnings to average equity (ytd only) | -10.1536% | 6,820 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 150.1178% | 321 |
| Assets per employee ($millions) | 4.9192% | 2,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0462% | 6,030 |
| Loan loss allowance to noncurrent loans | 26.1987% | 6,707 |
| Noncurrent assets plus other real estate owned to assets | 3.1162% | 2,197 |
| Noncurrent loans to loans | 3.9935% | 1,840 |
| Net loans and leases to total assets | 77.2150% | 1,736 |
| Net loans and leases to deposits | 98.5333% | 1,260 |
| Net loans and leases to core deposits | 141.4905% | 852 |
| Total domestic deposits to total assets | 78.3644% | 5,990 |
| Equity capital to assets | 17.0253% | 627 |
| Core capital (leverage) ratio | 17.7331% | 474 |
| Tier 1 risk-based capital ratio | 18.6702% | 1,826 |
| Total risk-based capital ratio | 19.6079% | 1,848 |
| Memoranda: | ||
| Average total assets | $361,792,250 | 1,896 |
| Average earning assets | $334,994,250 | 1,871 |
| Average equity | $85,813,500 | 753 |
| Average total loans | $246,936,000 | 1,935 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 7,849 |
| Cost of funding earning assets | 1.3043% | 6,794 |
| Net interest margin | 2.8512% | 6,909 |
| Noninterest income to average assets | 0.1124% | 7,420 |
| Noninterest expense to average assets | 4.9979% | 514 |
| Loan and lease loss provision to assets | 0.9874% | 1,706 |
| Net operating income to assets | -3.2461% | 7,716 |
| Return on assets (ROA) | -3.2461% | 7,719 |
| Pretax return on assets | -3.2461% | 7,623 |
| Return on Equity (ROE) | -11.9490% | 7,173 |
| Retained earnings to average equity (ytd only) | -11.9490% | 7,056 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.4582% | 243 |
| Assets per employee ($millions) | 4.2581% | 3,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 5,760 |
| Loan loss allowance to noncurrent loans | 20.1840% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 3.8710% | 1,558 |
| Noncurrent loans to loans | 5.3176% | 1,115 |
| Net loans and leases to total assets | 72.0141% | 3,225 |
| Net loans and leases to deposits | 95.6970% | 1,846 |
| Net loans and leases to core deposits | 127.6071% | 1,736 |
| Total domestic deposits to total assets | 75.2522% | 6,706 |
| Equity capital to assets | 21.4071% | 308 |
| Core capital (leverage) ratio | 23.7428% | 233 |
| Tier 1 risk-based capital ratio | 24.2404% | 1,007 |
| Total risk-based capital ratio | 25.1729% | 1,021 |
| Memoranda: | ||
| Average total assets | $318,416,000 | 2,152 |
| Average earning assets | $293,348,330 | 2,150 |
| Average equity | $86,501,000 | 762 |
| Average total loans | $201,297,000 | 2,339 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7564% | 8,046 |
| Cost of funding earning assets | 1.3535% | 6,863 |
| Net interest margin | 2.4029% | 7,609 |
| Noninterest income to average assets | 0.1302% | 7,360 |
| Noninterest expense to average assets | 5.5546% | 354 |
| Loan and lease loss provision to assets | 0.5636% | 2,230 |
| Net operating income to assets | -3.7836% | 7,960 |
| Return on assets (ROA) | -3.7836% | 7,953 |
| Pretax return on assets | -3.7836% | 7,879 |
| Return on Equity (ROE) | -12.1100% | 7,483 |
| Retained earnings to average equity (ytd only) | -12.1100% | 7,275 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.9289% | 137 |
| Assets per employee ($millions) | 3.3903% | 5,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 5,461 |
| Loan loss allowance to noncurrent loans | 12.8427% | 7,467 |
| Noncurrent assets plus other real estate owned to assets | 4.9443% | 917 |
| Noncurrent loans to loans | 8.5763% | 392 |
| Net loans and leases to total assets | 57.0160% | 6,097 |
| Net loans and leases to deposits | 82.6345% | 4,190 |
| Net loans and leases to core deposits | 109.9388% | 3,442 |
| Total domestic deposits to total assets | 68.9978% | 7,519 |
| Equity capital to assets | 28.7973% | 161 |
| Core capital (leverage) ratio | 31.2123% | 143 |
| Tier 1 risk-based capital ratio | 35.4674% | 420 |
| Total risk-based capital ratio | 36.3057% | 426 |
| Memoranda: | ||
| Average total assets | $279,624,500 | 2,388 |
| Average earning assets | $256,525,000 | 2,398 |
| Average equity | $87,365,500 | 760 |
| Average total loans | $157,811,000 | 2,882 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6759% | 7,984 |
| Cost of funding earning assets | 1.3310% | 7,811 |
| Net interest margin | 3.3449% | 5,886 |
| Noninterest income to average assets | 0.1459% | 7,372 |
| Noninterest expense to average assets | 6.9011% | 289 |
| Loan and lease loss provision to assets | 0.4321% | 3,131 |
| Net operating income to assets | -4.1537% | 8,005 |
| Return on assets (ROA) | -4.1537% | 7,994 |
| Pretax return on assets | -4.1537% | 7,918 |
| Return on Equity (ROE) | -9.0021% | 7,200 |
| Retained earnings to average equity (ytd only) | -9.0021% | 6,969 |
| Net charge-offs to loans | 0.0032% | 6,966 |
| Credit loss provision to net charge-offs | 28,933.3333% | 16 |
| Earnings coverage of net charge-offs (x) | -2,492.0000% | 7,037 |
| Efficiency ratio | 217.0503% | 174 |
| Assets per employee ($millions) | 3.3443% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0744% | 5,462 |
| Loan loss allowance to noncurrent loans | 10.6463% | 7,498 |
| Noncurrent assets plus other real estate owned to assets | 5.5517% | 577 |
| Noncurrent loans to loans | 10.0913% | 207 |
| Net loans and leases to total assets | 54.4230% | 6,610 |
| Net loans and leases to deposits | 89.0046% | 3,635 |
| Net loans and leases to core deposits | 111.8075% | 3,583 |
| Total domestic deposits to total assets | 61.1462% | 7,921 |
| Equity capital to assets | 34.1107% | 131 |
| Core capital (leverage) ratio | 38.9129% | 116 |
| Tier 1 risk-based capital ratio | 48.3063% | 233 |
| Total risk-based capital ratio | 49.1769% | 234 |
| Memoranda: | ||
| Average total assets | $200,881,400 | 3,126 |
| Average earning assets | $182,190,200 | 3,158 |
| Average equity | $92,689,800 | 719 |
| Average total loans | $92,746,600 | 4,141 |