Home > Axiom Bank > Performance and Condition Ratios
Axiom Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4602% | 364 |
| Cost of funding earning assets | 2.0355% | 871 |
| Net interest margin | 4.4247% | 687 |
| Noninterest income to average assets | 0.9400% | 704 |
| Noninterest expense to average assets | 4.6578% | 264 |
| Loan and lease loss provision to assets | 0.1500% | 868 |
| Net operating income to assets | 0.1745% | 4,193 |
| Return on assets (ROA) | 0.1990% | 4,178 |
| Pretax return on assets | 0.2629% | 4,129 |
| Return on Equity (ROE) | 1.7300% | 4,180 |
| Retained earnings to average equity (ytd only) | 1.7347% | 3,647 |
| Net charge-offs to loans | 0.0168% | 2,039 |
| Credit loss provision to net charge-offs | 1,448.1928% | 305 |
| Earnings coverage of net charge-offs (x) | 35.0120% | 1,526 |
| Efficiency ratio | 92.0118% | 364 |
| Assets per employee ($millions) | 5.8922% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,187 |
| Loan loss allowance to noncurrent loans | 242.0624% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.3696% | 1,493 |
| Noncurrent loans to loans | 0.5033% | 1,523 |
| Net loans and leases to total assets | 66.2000% | 2,241 |
| Net loans and leases to deposits | 77.3932% | 2,324 |
| Net loans and leases to core deposits | 103.6705% | 1,237 |
| Total domestic deposits to total assets | 85.5400% | 2,150 |
| Equity capital to assets | 10.6078% | 1,672 |
| Core capital (leverage) ratio | 10.7183% | 2,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3952% | 1,422 |
| Memoranda: | ||
| Average total assets | $760,836,200 | 1,228 |
| Average earning assets | $705,197,000 | 1,220 |
| Average equity | $87,278,400 | 1,061 |
| Average total loans | $495,473,000 | 1,242 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2184% | 413 |
| Cost of funding earning assets | 1.9517% | 779 |
| Net interest margin | 4.2668% | 843 |
| Noninterest income to average assets | 0.9500% | 695 |
| Noninterest expense to average assets | 4.6832% | 255 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.1389% | 4,286 |
| Return on assets (ROA) | 0.1389% | 4,301 |
| Pretax return on assets | 0.1835% | 4,275 |
| Return on Equity (ROE) | 1.1900% | 4,293 |
| Retained earnings to average equity (ytd only) | 1.1859% | 3,907 |
| Net charge-offs to loans | -0.0587% | 4,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 95.4132% | 237 |
| Assets per employee ($millions) | 5.9739% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,315 |
| Loan loss allowance to noncurrent loans | 56.5688% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.7661% | 178 |
| Noncurrent loans to loans | 2.1359% | 266 |
| Net loans and leases to total assets | 62.2600% | 2,625 |
| Net loans and leases to deposits | 70.3123% | 2,826 |
| Net loans and leases to core deposits | 83.1383% | 2,386 |
| Total domestic deposits to total assets | 88.5500% | 1,393 |
| Equity capital to assets | 10.6258% | 1,503 |
| Core capital (leverage) ratio | 10.8674% | 2,081 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9516% | 1,334 |
| Memoranda: | ||
| Average total assets | $741,872,000 | 1,249 |
| Average earning assets | $683,776,750 | 1,259 |
| Average equity | $86,909,250 | 1,061 |
| Average total loans | $479,158,500 | 1,272 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9520% | 468 |
| Cost of funding earning assets | 1.7454% | 823 |
| Net interest margin | 4.2065% | 923 |
| Noninterest income to average assets | 0.9600% | 608 |
| Noninterest expense to average assets | 4.8264% | 232 |
| Loan and lease loss provision to assets | 0.1300% | 871 |
| Net operating income to assets | -0.1114% | 4,518 |
| Return on assets (ROA) | -0.1114% | 4,503 |
| Pretax return on assets | -0.1470% | 4,500 |
| Return on Equity (ROE) | -0.9200% | 4,470 |
| Retained earnings to average equity (ytd only) | -0.9183% | 4,208 |
| Net charge-offs to loans | 0.0395% | 1,127 |
| Credit loss provision to net charge-offs | 238.0435% | 984 |
| Earnings coverage of net charge-offs (x) | -0.4674% | 4,608 |
| Efficiency ratio | 99.7965% | 177 |
| Assets per employee ($millions) | 5.2257% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2848% | 1,993 |
| Loan loss allowance to noncurrent loans | 57.7819% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 1.3414% | 285 |
| Noncurrent loans to loans | 2.2235% | 229 |
| Net loans and leases to total assets | 59.5500% | 2,816 |
| Net loans and leases to deposits | 67.1616% | 2,978 |
| Net loans and leases to core deposits | 85.8566% | 2,084 |
| Total domestic deposits to total assets | 88.6700% | 1,359 |
| Equity capital to assets | 10.6686% | 1,521 |
| Core capital (leverage) ratio | 12.0096% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4567% | 1,223 |
| Memoranda: | ||
| Average total assets | $714,362,667 | 1,280 |
| Average earning assets | $653,935,000 | 1,291 |
| Average equity | $86,679,333 | 1,055 |
| Average total loans | $465,682,000 | 1,292 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0222% | 304 |
| Cost of funding earning assets | 1.3845% | 1,054 |
| Net interest margin | 4.6378% | 486 |
| Noninterest income to average assets | 1.0200% | 555 |
| Noninterest expense to average assets | 5.0565% | 225 |
| Loan and lease loss provision to assets | 0.2300% | 425 |
| Net operating income to assets | -0.0702% | 4,522 |
| Return on assets (ROA) | -0.0702% | 4,509 |
| Pretax return on assets | -0.0930% | 4,503 |
| Return on Equity (ROE) | -0.5400% | 4,472 |
| Retained earnings to average equity (ytd only) | -0.5391% | 4,089 |
| Net charge-offs to loans | 0.0652% | 745 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 3.1622% | 1,898 |
| Efficiency ratio | 96.8476% | 208 |
| Assets per employee ($millions) | 4.1553% | 4,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,404 |
| Loan loss allowance to noncurrent loans | 48.7040% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7500% | 162 |
| Noncurrent loans to loans | 2.5219% | 192 |
| Net loans and leases to total assets | 68.2400% | 1,808 |
| Net loans and leases to deposits | 86.8318% | 1,296 |
| Net loans and leases to core deposits | 109.3228% | 724 |
| Total domestic deposits to total assets | 78.5800% | 3,935 |
| Equity capital to assets | 12.8824% | 784 |
| Core capital (leverage) ratio | 13.0486% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4495% | 1,078 |
| Memoranda: | ||
| Average total assets | $666,553,000 | 1,370 |
| Average earning assets | $600,376,500 | 1,399 |
| Average equity | $86,812,000 | 1,063 |
| Average total loans | $454,205,000 | 1,329 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4071% | 871 |
| Cost of funding earning assets | 0.6349% | 770 |
| Net interest margin | 3.7722% | 1,217 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 4.8392% | 233 |
| Loan and lease loss provision to assets | -0.4300% | 4,688 |
| Net operating income to assets | 0.0785% | 4,522 |
| Return on assets (ROA) | 0.0785% | 4,511 |
| Pretax return on assets | 0.0197% | 4,534 |
| Return on Equity (ROE) | 0.5800% | 4,515 |
| Retained earnings to average equity (ytd only) | 0.5818% | 4,262 |
| Net charge-offs to loans | 0.0257% | 1,545 |
| Credit loss provision to net charge-offs | -2,579.0909% | 4,693 |
| Earnings coverage of net charge-offs (x) | -24.6091% | 4,707 |
| Efficiency ratio | 106.6239% | 106 |
| Assets per employee ($millions) | 4.3810% | 4,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9028% | 3,761 |
| Loan loss allowance to noncurrent loans | 109.4092% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 862 |
| Noncurrent loans to loans | 0.8252% | 898 |
| Net loans and leases to total assets | 66.3700% | 1,996 |
| Net loans and leases to deposits | 77.9086% | 1,959 |
| Net loans and leases to core deposits | 111.1960% | 572 |
| Total domestic deposits to total assets | 85.1900% | 2,940 |
| Equity capital to assets | 13.3189% | 657 |
| Core capital (leverage) ratio | 13.1940% | 889 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4691% | 901 |
| Memoranda: | ||
| Average total assets | $658,656,400 | 1,364 |
| Average earning assets | $609,249,800 | 1,371 |
| Average equity | $88,866,200 | 1,047 |
| Average total loans | $428,547,800 | 1,316 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 1,011 |
| Cost of funding earning assets | 0.5127% | 711 |
| Net interest margin | 3.6163% | 1,357 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 4.4795% | 256 |
| Loan and lease loss provision to assets | -0.3500% | 4,717 |
| Net operating income to assets | 0.2000% | 4,474 |
| Return on assets (ROA) | 0.2000% | 4,444 |
| Pretax return on assets | 0.1522% | 4,491 |
| Return on Equity (ROE) | 1.4800% | 4,455 |
| Retained earnings to average equity (ytd only) | 1.4777% | 4,145 |
| Net charge-offs to loans | -0.0135% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 103.7237% | 131 |
| Assets per employee ($millions) | 4.4826% | 4,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 2,221 |
| Loan loss allowance to noncurrent loans | 191.8039% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 1,397 |
| Noncurrent loans to loans | 0.6563% | 1,242 |
| Net loans and leases to total assets | 58.4300% | 2,650 |
| Net loans and leases to deposits | 67.3605% | 2,598 |
| Net loans and leases to core deposits | 90.5280% | 1,265 |
| Total domestic deposits to total assets | 86.7400% | 2,844 |
| Equity capital to assets | 12.5400% | 761 |
| Core capital (leverage) ratio | 13.4119% | 801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2766% | 706 |
| Memoranda: | ||
| Average total assets | $657,936,750 | 1,369 |
| Average earning assets | $612,399,750 | 1,371 |
| Average equity | $89,055,500 | 1,059 |
| Average total loans | $424,921,500 | 1,320 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0066% | 927 |
| Cost of funding earning assets | 0.4305% | 760 |
| Net interest margin | 3.5761% | 1,114 |
| Noninterest income to average assets | 0.8698% | 904 |
| Noninterest expense to average assets | 4.3724% | 225 |
| Loan and lease loss provision to assets | -0.5316% | 4,750 |
| Net operating income to assets | 0.4078% | 4,093 |
| Return on assets (ROA) | 0.4078% | 4,043 |
| Pretax return on assets | 0.3674% | 4,206 |
| Return on Equity (ROE) | 2.9285% | 4,221 |
| Retained earnings to average equity (ytd only) | 2.9285% | 3,468 |
| Net charge-offs to loans | -0.0669% | 4,333 |
| Credit loss provision to net charge-offs | 1,195.1049% | 361 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7868% | 165 |
| Assets per employee ($millions) | 4.4208% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 2,451 |
| Loan loss allowance to noncurrent loans | 217.5020% | 2,561 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 1,369 |
| Noncurrent loans to loans | 0.5725% | 1,474 |
| Net loans and leases to total assets | 65.6667% | 1,736 |
| Net loans and leases to deposits | 78.0507% | 1,536 |
| Net loans and leases to core deposits | 105.4492% | 469 |
| Total domestic deposits to total assets | 84.1333% | 3,667 |
| Equity capital to assets | 13.7245% | 556 |
| Core capital (leverage) ratio | 13.8507% | 656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3456% | 673 |
| Memoranda: | ||
| Average total assets | $642,939,333 | 1,401 |
| Average earning assets | $600,205,333 | 1,406 |
| Average equity | $89,533,667 | 1,056 |
| Average total loans | $427,755,333 | 1,306 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8108% | 1,067 |
| Cost of funding earning assets | 0.3990% | 878 |
| Net interest margin | 3.4118% | 1,278 |
| Noninterest income to average assets | 0.8388% | 957 |
| Noninterest expense to average assets | 4.3341% | 225 |
| Loan and lease loss provision to assets | -1.0421% | 4,783 |
| Net operating income to assets | 0.5598% | 3,525 |
| Return on assets (ROA) | 0.5598% | 3,500 |
| Pretax return on assets | 0.7400% | 3,275 |
| Return on Equity (ROE) | 3.9908% | 3,880 |
| Retained earnings to average equity (ytd only) | 3.9908% | 2,937 |
| Net charge-offs to loans | -0.0940% | 4,442 |
| Credit loss provision to net charge-offs | 1,666.0000% | 243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3140% | 165 |
| Assets per employee ($millions) | 4.8662% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3233% | 2,248 |
| Loan loss allowance to noncurrent loans | 228.8813% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 1,602 |
| Noncurrent loans to loans | 0.5781% | 1,601 |
| Net loans and leases to total assets | 62.9468% | 1,749 |
| Net loans and leases to deposits | 75.0271% | 1,522 |
| Net loans and leases to core deposits | 106.5545% | 338 |
| Total domestic deposits to total assets | 83.8988% | 3,791 |
| Equity capital to assets | 14.0792% | 518 |
| Core capital (leverage) ratio | 13.7904% | 617 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1481% | 545 |
| Memoranda: | ||
| Average total assets | $639,482,500 | 1,413 |
| Average earning assets | $598,505,500 | 1,416 |
| Average equity | $89,706,000 | 1,090 |
| Average total loans | $425,574,000 | 1,307 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4921% | 607 |
| Cost of funding earning assets | 0.7675% | 238 |
| Net interest margin | 3.7246% | 1,156 |
| Noninterest income to average assets | 0.7578% | 1,572 |
| Noninterest expense to average assets | 3.7613% | 363 |
| Loan and lease loss provision to assets | 0.0054% | 2,970 |
| Net operating income to assets | 0.3206% | 4,400 |
| Return on assets (ROA) | 0.3206% | 4,421 |
| Pretax return on assets | 0.4237% | 4,367 |
| Return on Equity (ROE) | 2.1062% | 4,490 |
| Retained earnings to average equity (ytd only) | 2.1062% | 3,960 |
| Net charge-offs to loans | -0.0131% | 3,825 |
| Credit loss provision to net charge-offs | -53.8462% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6423% | 366 |
| Assets per employee ($millions) | 5.0883% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 1,354 |
| Loan loss allowance to noncurrent loans | 186.9987% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5784% | 1,140 |
| Noncurrent loans to loans | 0.8358% | 1,213 |
| Net loans and leases to total assets | 67.1813% | 1,353 |
| Net loans and leases to deposits | 81.3833% | 1,111 |
| Net loans and leases to core deposits | 131.8628% | 95 |
| Total domestic deposits to total assets | 82.5492% | 3,886 |
| Equity capital to assets | 15.2723% | 462 |
| Core capital (leverage) ratio | 13.9060% | 631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9120% | 767 |
| Memoranda: | ||
| Average total assets | $645,258,000 | 1,369 |
| Average earning assets | $594,672,600 | 1,385 |
| Average equity | $98,232,400 | 1,024 |
| Average total loans | $495,836,800 | 1,174 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5373% | 628 |
| Cost of funding earning assets | 0.8793% | 173 |
| Net interest margin | 3.6579% | 1,437 |
| Noninterest income to average assets | 0.7964% | 1,537 |
| Noninterest expense to average assets | 3.6688% | 384 |
| Loan and lease loss provision to assets | 0.0073% | 2,838 |
| Net operating income to assets | 0.3701% | 4,419 |
| Return on assets (ROA) | 0.3701% | 4,448 |
| Pretax return on assets | 0.4890% | 4,381 |
| Return on Equity (ROE) | 2.4331% | 4,531 |
| Retained earnings to average equity (ytd only) | 2.4331% | 4,073 |
| Net charge-offs to loans | 0.0207% | 1,636 |
| Credit loss provision to net charge-offs | 44.3038% | 1,891 |
| Earnings coverage of net charge-offs (x) | 30.3291% | 1,517 |
| Efficiency ratio | 86.9567% | 401 |
| Assets per employee ($millions) | 4.4852% | 4,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 2,197 |
| Loan loss allowance to noncurrent loans | 229.8311% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 1,620 |
| Noncurrent loans to loans | 0.5900% | 1,832 |
| Net loans and leases to total assets | 78.2519% | 386 |
| Net loans and leases to deposits | 95.3171% | 367 |
| Net loans and leases to core deposits | 143.9878% | 70 |
| Total domestic deposits to total assets | 82.0963% | 3,913 |
| Equity capital to assets | 15.6942% | 452 |
| Core capital (leverage) ratio | 13.4973% | 734 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5700% | 1,032 |
| Memoranda: | ||
| Average total assets | $643,746,250 | 1,389 |
| Average earning assets | $592,850,750 | 1,408 |
| Average equity | $97,923,250 | 1,046 |
| Average total loans | $508,670,500 | 1,169 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5381% | 690 |
| Cost of funding earning assets | 0.9427% | 148 |
| Net interest margin | 3.5954% | 1,606 |
| Noninterest income to average assets | 0.7678% | 1,622 |
| Noninterest expense to average assets | 3.8905% | 316 |
| Loan and lease loss provision to assets | 0.0108% | 2,722 |
| Net operating income to assets | 0.1390% | 4,672 |
| Return on assets (ROA) | 0.1390% | 4,695 |
| Pretax return on assets | 0.1838% | 4,681 |
| Return on Equity (ROE) | 0.9233% | 4,712 |
| Retained earnings to average equity (ytd only) | 0.9233% | 4,362 |
| Net charge-offs to loans | 0.0172% | 1,601 |
| Credit loss provision to net charge-offs | 79.5455% | 1,488 |
| Earnings coverage of net charge-offs (x) | 14.3182% | 1,669 |
| Efficiency ratio | 94.0950% | 252 |
| Assets per employee ($millions) | 4.8906% | 3,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,137 |
| Loan loss allowance to noncurrent loans | 211.5718% | 2,377 |
| Noncurrent assets plus other real estate owned to assets | 0.5304% | 1,566 |
| Noncurrent loans to loans | 0.6443% | 1,804 |
| Net loans and leases to total assets | 77.8198% | 457 |
| Net loans and leases to deposits | 94.1772% | 453 |
| Net loans and leases to core deposits | 128.7969% | 136 |
| Total domestic deposits to total assets | 82.6313% | 3,784 |
| Equity capital to assets | 15.3987% | 476 |
| Core capital (leverage) ratio | 13.0487% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8145% | 990 |
| Memoranda: | ||
| Average total assets | $647,522,333 | 1,374 |
| Average earning assets | $597,435,667 | 1,383 |
| Average equity | $97,480,000 | 1,041 |
| Average total loans | $511,000,000 | 1,163 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4132% | 897 |
| Cost of funding earning assets | 0.9831% | 146 |
| Net interest margin | 3.4302% | 2,023 |
| Noninterest income to average assets | 1.0089% | 1,116 |
| Noninterest expense to average assets | 4.4586% | 215 |
| Loan and lease loss provision to assets | 0.0214% | 2,500 |
| Net operating income to assets | -0.2314% | 4,848 |
| Return on assets (ROA) | -0.2314% | 4,853 |
| Pretax return on assets | -0.3055% | 4,856 |
| Return on Equity (ROE) | -1.5545% | 4,847 |
| Retained earnings to average equity (ytd only) | -1.5545% | 4,512 |
| Net charge-offs to loans | 0.1070% | 653 |
| Credit loss provision to net charge-offs | 25.3623% | 1,397 |
| Earnings coverage of net charge-offs (x) | -3.3623% | 1,911 |
| Efficiency ratio | 105.6900% | 136 |
| Assets per employee ($millions) | 4.7656% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 2,446 |
| Loan loss allowance to noncurrent loans | 220.3922% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 1,919 |
| Noncurrent loans to loans | 0.5892% | 2,096 |
| Net loans and leases to total assets | 78.5180% | 435 |
| Net loans and leases to deposits | 94.2410% | 479 |
| Net loans and leases to core deposits | 129.3436% | 146 |
| Total domestic deposits to total assets | 83.3162% | 3,612 |
| Equity capital to assets | 14.8692% | 515 |
| Core capital (leverage) ratio | 12.7747% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6675% | 1,392 |
| Memoranda: | ||
| Average total assets | $653,393,500 | 1,347 |
| Average earning assets | $603,003,500 | 1,364 |
| Average equity | $97,269,000 | 1,034 |
| Average total loans | $515,699,500 | 1,156 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6318% | 1,038 |
| Cost of funding earning assets | 1.4667% | 94 |
| Net interest margin | 3.1651% | 3,451 |
| Noninterest income to average assets | 1.4182% | 590 |
| Noninterest expense to average assets | 4.9317% | 199 |
| Loan and lease loss provision to assets | 0.3791% | 851 |
| Net operating income to assets | -0.7639% | 4,903 |
| Return on assets (ROA) | -0.5364% | 4,891 |
| Pretax return on assets | -0.6837% | 4,899 |
| Return on Equity (ROE) | -3.6468% | 4,881 |
| Retained earnings to average equity (ytd only) | -3.6468% | 4,802 |
| Net charge-offs to loans | 0.0725% | 1,762 |
| Credit loss provision to net charge-offs | 672.5594% | 1,021 |
| Earnings coverage of net charge-offs (x) | -10.5119% | 3,405 |
| Efficiency ratio | 112.6195% | 109 |
| Assets per employee ($millions) | 4.2187% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 2,245 |
| Loan loss allowance to noncurrent loans | 166.9756% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.6484% | 1,617 |
| Noncurrent loans to loans | 0.8008% | 1,743 |
| Net loans and leases to total assets | 77.2557% | 670 |
| Net loans and leases to deposits | 92.8983% | 724 |
| Net loans and leases to core deposits | 127.0995% | 226 |
| Total domestic deposits to total assets | 83.1615% | 3,362 |
| Equity capital to assets | 14.9042% | 588 |
| Core capital (leverage) ratio | 12.5917% | 1,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4137% | 1,168 |
| Memoranda: | ||
| Average total assets | $672,404,400 | 1,215 |
| Average earning assets | $620,556,800 | 1,228 |
| Average equity | $98,909,000 | 966 |
| Average total loans | $522,872,200 | 1,098 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 1,176 |
| Cost of funding earning assets | 1.5873% | 80 |
| Net interest margin | 3.0674% | 3,818 |
| Noninterest income to average assets | 0.6747% | 1,882 |
| Noninterest expense to average assets | 4.2575% | 305 |
| Loan and lease loss provision to assets | 0.5020% | 581 |
| Net operating income to assets | -0.9777% | 4,945 |
| Return on assets (ROA) | -0.6765% | 4,919 |
| Pretax return on assets | -0.8744% | 4,931 |
| Return on Equity (ROE) | -4.6135% | 4,909 |
| Retained earnings to average equity (ytd only) | -4.6135% | 4,834 |
| Net charge-offs to loans | 0.0753% | 1,555 |
| Credit loss provision to net charge-offs | 858.2492% | 930 |
| Earnings coverage of net charge-offs (x) | -12.8855% | 3,204 |
| Efficiency ratio | 120.2338% | 77 |
| Assets per employee ($millions) | 4.0150% | 4,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2864% | 2,215 |
| Loan loss allowance to noncurrent loans | 143.5765% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 1,583 |
| Noncurrent loans to loans | 0.8960% | 1,670 |
| Net loans and leases to total assets | 78.8279% | 741 |
| Net loans and leases to deposits | 94.1711% | 913 |
| Net loans and leases to core deposits | 127.5855% | 275 |
| Total domestic deposits to total assets | 83.7071% | 2,922 |
| Equity capital to assets | 14.4740% | 739 |
| Core capital (leverage) ratio | 12.5101% | 1,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8754% | 1,284 |
| Memoranda: | ||
| Average total assets | $677,031,750 | 1,196 |
| Average earning assets | $624,438,250 | 1,205 |
| Average equity | $99,271,750 | 963 |
| Average total loans | $525,586,000 | 1,086 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 1,370 |
| Cost of funding earning assets | 1.7700% | 56 |
| Net interest margin | 2.9470% | 4,229 |
| Noninterest income to average assets | 0.6718% | 1,845 |
| Noninterest expense to average assets | 4.2097% | 327 |
| Loan and lease loss provision to assets | 0.7373% | 357 |
| Net operating income to assets | -1.2095% | 4,978 |
| Return on assets (ROA) | -0.7583% | 4,939 |
| Pretax return on assets | -0.9825% | 4,944 |
| Return on Equity (ROE) | -5.1493% | 4,925 |
| Retained earnings to average equity (ytd only) | -5.1493% | 4,774 |
| Net charge-offs to loans | 0.0702% | 1,548 |
| Credit loss provision to net charge-offs | 1,365.5738% | 645 |
| Earnings coverage of net charge-offs (x) | -15.1202% | 2,992 |
| Efficiency ratio | 122.7458% | 82 |
| Assets per employee ($millions) | 3.7756% | 4,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,083 |
| Loan loss allowance to noncurrent loans | 127.5862% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 1,484 |
| Noncurrent loans to loans | 1.0062% | 1,543 |
| Net loans and leases to total assets | 80.0110% | 595 |
| Net loans and leases to deposits | 95.9562% | 796 |
| Net loans and leases to core deposits | 128.0211% | 286 |
| Total domestic deposits to total assets | 83.3829% | 2,965 |
| Equity capital to assets | 14.6557% | 690 |
| Core capital (leverage) ratio | 11.8910% | 1,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9477% | 1,255 |
| Memoranda: | ||
| Average total assets | $677,869,000 | 1,177 |
| Average earning assets | $625,989,667 | 1,179 |
| Average equity | $99,819,000 | 949 |
| Average total loans | $521,235,000 | 1,079 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 1,383 |
| Cost of funding earning assets | 1.6237% | 176 |
| Net interest margin | 3.1902% | 3,887 |
| Noninterest income to average assets | 0.7245% | 1,551 |
| Noninterest expense to average assets | 4.4156% | 329 |
| Loan and lease loss provision to assets | 1.3508% | 125 |
| Net operating income to assets | -1.5700% | 5,027 |
| Return on assets (ROA) | -1.5700% | 5,013 |
| Pretax return on assets | -2.0935% | 5,029 |
| Return on Equity (ROE) | -10.6368% | 5,004 |
| Retained earnings to average equity (ytd only) | -10.6368% | 4,787 |
| Net charge-offs to loans | 0.1727% | 770 |
| Credit loss provision to net charge-offs | 1,045.0000% | 553 |
| Earnings coverage of net charge-offs (x) | -5.7455% | 2,522 |
| Efficiency ratio | 119.0050% | 110 |
| Assets per employee ($millions) | 3.7886% | 4,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 1,901 |
| Loan loss allowance to noncurrent loans | 95.5986% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 1.0451% | 1,258 |
| Noncurrent loans to loans | 1.4141% | 1,125 |
| Net loans and leases to total assets | 71.4874% | 2,002 |
| Net loans and leases to deposits | 92.5782% | 1,221 |
| Net loans and leases to core deposits | 123.5571% | 374 |
| Total domestic deposits to total assets | 77.2184% | 4,324 |
| Equity capital to assets | 14.4194% | 919 |
| Core capital (leverage) ratio | 12.4086% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $680,773,000 | 1,146 |
| Average earning assets | $629,170,500 | 1,140 |
| Average equity | $100,481,000 | 942 |
| Average total loans | $509,494,500 | 1,087 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8073% | 321 |
| Cost of funding earning assets | 1.5866% | 315 |
| Net interest margin | 4.2207% | 1,276 |
| Noninterest income to average assets | 1.0458% | 867 |
| Noninterest expense to average assets | 4.5831% | 284 |
| Loan and lease loss provision to assets | 0.1206% | 1,759 |
| Net operating income to assets | 0.1750% | 4,863 |
| Return on assets (ROA) | 0.1750% | 4,886 |
| Pretax return on assets | 0.2417% | 4,859 |
| Return on Equity (ROE) | 1.1556% | 4,896 |
| Retained earnings to average equity (ytd only) | 1.1556% | 4,332 |
| Net charge-offs to loans | 0.2452% | 840 |
| Credit loss provision to net charge-offs | 62.5389% | 3,009 |
| Earnings coverage of net charge-offs (x) | 1.8785% | 3,484 |
| Efficiency ratio | 91.7563% | 296 |
| Assets per employee ($millions) | 3.4820% | 4,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9004% | 3,956 |
| Loan loss allowance to noncurrent loans | 91.8664% | 3,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 1,438 |
| Noncurrent loans to loans | 0.9801% | 1,559 |
| Net loans and leases to total assets | 76.5801% | 1,318 |
| Net loans and leases to deposits | 103.2026% | 411 |
| Net loans and leases to core deposits | 140.1182% | 174 |
| Total domestic deposits to total assets | 74.2037% | 4,761 |
| Equity capital to assets | 15.1091% | 769 |
| Core capital (leverage) ratio | 12.8533% | 1,310 |
| Tier 1 risk-based capital ratio | 17.2953% | 1,964 |
| Total risk-based capital ratio | 18.2434% | 2,001 |
| Memoranda: | ||
| Average total assets | $665,704,000 | 1,126 |
| Average earning assets | $615,071,000 | 1,122 |
| Average equity | $100,812,400 | 899 |
| Average total loans | $523,608,600 | 1,032 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 301 |
| Cost of funding earning assets | 1.5379% | 367 |
| Net interest margin | 4.3515% | 1,047 |
| Noninterest income to average assets | 1.1166% | 727 |
| Noninterest expense to average assets | 4.6516% | 264 |
| Loan and lease loss provision to assets | 0.0974% | 1,961 |
| Net operating income to assets | 0.2845% | 4,862 |
| Return on assets (ROA) | 0.2845% | 4,877 |
| Pretax return on assets | 0.3861% | 4,824 |
| Return on Equity (ROE) | 1.8774% | 4,911 |
| Retained earnings to average equity (ytd only) | 1.8774% | 4,316 |
| Net charge-offs to loans | 0.2216% | 798 |
| Credit loss provision to net charge-offs | 55.6193% | 2,746 |
| Earnings coverage of net charge-offs (x) | 2.7615% | 3,168 |
| Efficiency ratio | 89.6982% | 331 |
| Assets per employee ($millions) | 3.5306% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9022% | 4,034 |
| Loan loss allowance to noncurrent loans | 72.9622% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 1,389 |
| Noncurrent loans to loans | 1.2365% | 1,259 |
| Net loans and leases to total assets | 76.5094% | 1,392 |
| Net loans and leases to deposits | 104.8854% | 364 |
| Net loans and leases to core deposits | 151.0028% | 122 |
| Total domestic deposits to total assets | 72.9458% | 4,871 |
| Equity capital to assets | 14.8753% | 878 |
| Core capital (leverage) ratio | 13.0418% | 1,320 |
| Tier 1 risk-based capital ratio | 17.0395% | 2,074 |
| Total risk-based capital ratio | 17.9907% | 2,113 |
| Memoranda: | ||
| Average total assets | $664,125,250 | 1,126 |
| Average earning assets | $613,284,000 | 1,121 |
| Average equity | $100,631,500 | 897 |
| Average total loans | $524,683,500 | 1,024 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9345% | 266 |
| Cost of funding earning assets | 1.4909% | 388 |
| Net interest margin | 4.4436% | 866 |
| Noninterest income to average assets | 1.2106% | 583 |
| Noninterest expense to average assets | 4.8571% | 237 |
| Loan and lease loss provision to assets | 0.1476% | 1,251 |
| Net operating income to assets | 0.2273% | 4,965 |
| Return on assets (ROA) | 0.2273% | 4,976 |
| Pretax return on assets | 0.3086% | 4,924 |
| Return on Equity (ROE) | 1.4908% | 5,002 |
| Retained earnings to average equity (ytd only) | 1.4908% | 4,297 |
| Net charge-offs to loans | 0.1842% | 895 |
| Credit loss provision to net charge-offs | 100.6224% | 1,952 |
| Earnings coverage of net charge-offs (x) | 3.1100% | 2,875 |
| Efficiency ratio | 90.5493% | 334 |
| Assets per employee ($millions) | 3.6354% | 4,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 3,861 |
| Loan loss allowance to noncurrent loans | 69.0527% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 1.1252% | 1,198 |
| Noncurrent loans to loans | 1.3826% | 1,126 |
| Net loans and leases to total assets | 78.3416% | 1,156 |
| Net loans and leases to deposits | 105.0654% | 375 |
| Net loans and leases to core deposits | 147.0242% | 145 |
| Total domestic deposits to total assets | 74.5646% | 4,793 |
| Equity capital to assets | 14.7976% | 867 |
| Core capital (leverage) ratio | 13.1869% | 1,219 |
| Tier 1 risk-based capital ratio | 16.5581% | 2,216 |
| Total risk-based capital ratio | 17.5667% | 2,245 |
| Memoranda: | ||
| Average total assets | $657,187,330 | 1,134 |
| Average earning assets | $606,756,330 | 1,129 |
| Average equity | $100,213,000 | 895 |
| Average total loans | $523,306,670 | 1,028 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9490% | 238 |
| Cost of funding earning assets | 1.4231% | 424 |
| Net interest margin | 4.5260% | 702 |
| Noninterest income to average assets | 1.1291% | 638 |
| Noninterest expense to average assets | 4.7872% | 237 |
| Loan and lease loss provision to assets | 0.1602% | 1,053 |
| Net operating income to assets | 0.2608% | 4,948 |
| Return on assets (ROA) | 0.2608% | 4,955 |
| Pretax return on assets | 0.3534% | 4,895 |
| Return on Equity (ROE) | 1.6842% | 5,003 |
| Retained earnings to average equity (ytd only) | 1.6842% | 4,144 |
| Net charge-offs to loans | 0.2044% | 682 |
| Credit loss provision to net charge-offs | 98.0989% | 1,646 |
| Earnings coverage of net charge-offs (x) | 3.1445% | 2,427 |
| Efficiency ratio | 89.4200% | 418 |
| Assets per employee ($millions) | 3.2345% | 4,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 3,832 |
| Loan loss allowance to noncurrent loans | 82.1560% | 3,653 |
| Noncurrent assets plus other real estate owned to assets | 0.9900% | 1,414 |
| Noncurrent loans to loans | 1.1908% | 1,389 |
| Net loans and leases to total assets | 79.4230% | 918 |
| Net loans and leases to deposits | 101.5760% | 519 |
| Net loans and leases to core deposits | 145.5999% | 143 |
| Total domestic deposits to total assets | 78.1907% | 4,484 |
| Equity capital to assets | 15.2745% | 695 |
| Core capital (leverage) ratio | 13.6624% | 1,043 |
| Tier 1 risk-based capital ratio | 16.9628% | 2,116 |
| Total risk-based capital ratio | 17.9992% | 2,138 |
| Memoranda: | ||
| Average total assets | $644,057,000 | 1,161 |
| Average earning assets | $593,642,000 | 1,162 |
| Average equity | $99,752,500 | 891 |
| Average total loans | $514,667,500 | 1,044 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9129% | 191 |
| Cost of funding earning assets | 1.2859% | 233 |
| Net interest margin | 4.6270% | 568 |
| Noninterest income to average assets | 1.2013% | 636 |
| Noninterest expense to average assets | 5.1150% | 192 |
| Loan and lease loss provision to assets | -0.0579% | 5,215 |
| Net operating income to assets | 0.3449% | 4,954 |
| Return on assets (ROA) | 0.3449% | 4,949 |
| Pretax return on assets | 0.4592% | 4,858 |
| Return on Equity (ROE) | 2.1229% | 5,030 |
| Retained earnings to average equity (ytd only) | 2.1229% | 4,305 |
| Net charge-offs to loans | 0.3107% | 627 |
| Credit loss provision to net charge-offs | -22.5952% | 4,294 |
| Earnings coverage of net charge-offs (x) | 1.5662% | 3,611 |
| Efficiency ratio | 92.4380% | 271 |
| Assets per employee ($millions) | 3.2057% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,521 |
| Loan loss allowance to noncurrent loans | 101.9976% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 1,679 |
| Noncurrent loans to loans | 1.0058% | 1,618 |
| Net loans and leases to total assets | 78.7845% | 1,140 |
| Net loans and leases to deposits | 104.7325% | 443 |
| Net loans and leases to core deposits | 145.2513% | 164 |
| Total domestic deposits to total assets | 75.2245% | 4,845 |
| Equity capital to assets | 15.7102% | 580 |
| Core capital (leverage) ratio | 13.3823% | 1,115 |
| Tier 1 risk-based capital ratio | 17.7325% | 1,834 |
| Total risk-based capital ratio | 18.8234% | 1,840 |
| Memoranda: | ||
| Average total assets | $604,592,800 | 1,193 |
| Average earning assets | $563,817,800 | 1,196 |
| Average equity | $98,215,200 | 864 |
| Average total loans | $498,497,000 | 1,051 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8350% | 202 |
| Cost of funding earning assets | 1.2154% | 235 |
| Net interest margin | 4.6196% | 570 |
| Noninterest income to average assets | 1.1817% | 676 |
| Noninterest expense to average assets | 4.9259% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.4333% | 4,890 |
| Return on assets (ROA) | 0.4333% | 4,896 |
| Pretax return on assets | 0.5789% | 4,763 |
| Return on Equity (ROE) | 2.6444% | 5,054 |
| Retained earnings to average equity (ytd only) | 2.6444% | 4,357 |
| Net charge-offs to loans | 0.3056% | 544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.2772% | 3,257 |
| Efficiency ratio | 89.3858% | 348 |
| Assets per employee ($millions) | 3.1050% | 4,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 3,166 |
| Loan loss allowance to noncurrent loans | 177.2319% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5346% | 2,598 |
| Noncurrent loans to loans | 0.6232% | 2,532 |
| Net loans and leases to total assets | 81.2340% | 840 |
| Net loans and leases to deposits | 106.9397% | 401 |
| Net loans and leases to core deposits | 150.7175% | 130 |
| Total domestic deposits to total assets | 75.9624% | 4,792 |
| Equity capital to assets | 15.1606% | 686 |
| Core capital (leverage) ratio | 13.7722% | 1,004 |
| Tier 1 risk-based capital ratio | 17.1389% | 2,047 |
| Total risk-based capital ratio | 18.3038% | 2,026 |
| Memoranda: | ||
| Average total assets | $597,861,500 | 1,204 |
| Average earning assets | $559,486,250 | 1,204 |
| Average equity | $97,965,750 | 861 |
| Average total loans | $497,447,500 | 1,058 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4417% | 356 |
| Cost of funding earning assets | 1.1050% | 285 |
| Net interest margin | 4.3367% | 963 |
| Noninterest income to average assets | 1.3957% | 488 |
| Noninterest expense to average assets | 5.0283% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3322% | 5,074 |
| Return on assets (ROA) | 0.3322% | 5,071 |
| Pretax return on assets | 0.4450% | 4,995 |
| Return on Equity (ROE) | 1.9720% | 5,176 |
| Retained earnings to average equity (ytd only) | 1.9720% | 4,470 |
| Net charge-offs to loans | 0.2835% | 566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.8777% | 3,019 |
| Efficiency ratio | 91.8699% | 315 |
| Assets per employee ($millions) | 3.1575% | 4,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 2,410 |
| Loan loss allowance to noncurrent loans | 117.6145% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 1,602 |
| Noncurrent loans to loans | 1.0663% | 1,657 |
| Net loans and leases to total assets | 83.6037% | 515 |
| Net loans and leases to deposits | 106.5337% | 415 |
| Net loans and leases to core deposits | 141.8997% | 178 |
| Total domestic deposits to total assets | 78.4763% | 4,515 |
| Equity capital to assets | 16.3223% | 461 |
| Core capital (leverage) ratio | 16.9842% | 396 |
| Tier 1 risk-based capital ratio | 20.7401% | 1,215 |
| Total risk-based capital ratio | 21.9912% | 1,189 |
| Memoranda: | ||
| Average total assets | $579,798,670 | 1,244 |
| Average earning assets | $545,156,670 | 1,229 |
| Average equity | $97,669,330 | 864 |
| Average total loans | $484,729,330 | 1,080 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4000% | 333 |
| Cost of funding earning assets | 1.0637% | 273 |
| Net interest margin | 4.3363% | 889 |
| Noninterest income to average assets | 1.4014% | 474 |
| Noninterest expense to average assets | 5.0866% | 209 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2893% | 5,114 |
| Return on assets (ROA) | 0.2893% | 5,116 |
| Pretax return on assets | 0.3875% | 5,051 |
| Return on Equity (ROE) | 1.6895% | 5,223 |
| Retained earnings to average equity (ytd only) | 1.6895% | 4,441 |
| Net charge-offs to loans | 0.1978% | 741 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2.3590% | 2,472 |
| Efficiency ratio | 92.9204% | 337 |
| Assets per employee ($millions) | 3.2552% | 4,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4098% | 1,800 |
| Loan loss allowance to noncurrent loans | 74.0688% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6313% | 824 |
| Noncurrent loans to loans | 1.9034% | 857 |
| Net loans and leases to total assets | 82.3213% | 627 |
| Net loans and leases to deposits | 106.2660% | 371 |
| Net loans and leases to core deposits | 152.8587% | 105 |
| Total domestic deposits to total assets | 77.4672% | 4,807 |
| Equity capital to assets | 16.8327% | 410 |
| Core capital (leverage) ratio | 17.3689% | 350 |
| Tier 1 risk-based capital ratio | 22.3775% | 1,011 |
| Total risk-based capital ratio | 23.6313% | 989 |
| Memoranda: | ||
| Average total assets | $569,733,500 | 1,268 |
| Average earning assets | $535,111,000 | 1,250 |
| Average equity | $97,543,000 | 868 |
| Average total loans | $473,127,500 | 1,114 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9675% | 686 |
| Cost of funding earning assets | 0.9497% | 291 |
| Net interest margin | 4.0178% | 1,696 |
| Noninterest income to average assets | 1.2677% | 661 |
| Noninterest expense to average assets | 4.7001% | 265 |
| Loan and lease loss provision to assets | -0.1973% | 5,573 |
| Net operating income to assets | 0.1585% | 5,182 |
| Return on assets (ROA) | 0.1585% | 5,186 |
| Pretax return on assets | 0.5325% | 4,877 |
| Return on Equity (ROE) | 0.9007% | 5,245 |
| Retained earnings to average equity (ytd only) | 0.9007% | 4,666 |
| Net charge-offs to loans | 0.1706% | 1,447 |
| Credit loss provision to net charge-offs | -144.2688% | 4,752 |
| Earnings coverage of net charge-offs (x) | 2.4519% | 3,740 |
| Efficiency ratio | 93.3422% | 313 |
| Assets per employee ($millions) | 3.0603% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5258% | 1,324 |
| Loan loss allowance to noncurrent loans | 82.5843% | 3,867 |
| Noncurrent assets plus other real estate owned to assets | 1.5690% | 849 |
| Noncurrent loans to loans | 1.8476% | 859 |
| Net loans and leases to total assets | 81.3132% | 778 |
| Net loans and leases to deposits | 106.5220% | 379 |
| Net loans and leases to core deposits | 121.2096% | 550 |
| Total domestic deposits to total assets | 76.3346% | 4,943 |
| Equity capital to assets | 17.4189% | 363 |
| Core capital (leverage) ratio | 17.8377% | 307 |
| Tier 1 risk-based capital ratio | 23.4113% | 865 |
| Total risk-based capital ratio | 24.6667% | 853 |
| Memoranda: | ||
| Average total assets | $555,118,200 | 1,271 |
| Average earning assets | $520,562,800 | 1,256 |
| Average equity | $97,698,400 | 844 |
| Average total loans | $444,872,200 | 1,140 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9929% | 619 |
| Cost of funding earning assets | 0.9234% | 306 |
| Net interest margin | 4.0695% | 1,483 |
| Noninterest income to average assets | 1.2496% | 674 |
| Noninterest expense to average assets | 4.6620% | 276 |
| Loan and lease loss provision to assets | -0.2636% | 5,683 |
| Net operating income to assets | 0.4266% | 4,939 |
| Return on assets (ROA) | 0.4266% | 4,968 |
| Pretax return on assets | 0.6682% | 4,685 |
| Return on Equity (ROE) | 2.4174% | 5,242 |
| Retained earnings to average equity (ytd only) | 2.4174% | 4,441 |
| Net charge-offs to loans | 0.1713% | 1,220 |
| Credit loss provision to net charge-offs | -193.4629% | 4,620 |
| Earnings coverage of net charge-offs (x) | 2.9700% | 3,401 |
| Efficiency ratio | 92.0135% | 344 |
| Assets per employee ($millions) | 3.0829% | 5,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 1,116 |
| Loan loss allowance to noncurrent loans | 117.4850% | 3,265 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 1,284 |
| Noncurrent loans to loans | 1.4101% | 1,323 |
| Net loans and leases to total assets | 79.7722% | 1,017 |
| Net loans and leases to deposits | 106.0144% | 421 |
| Net loans and leases to core deposits | 118.1731% | 648 |
| Total domestic deposits to total assets | 75.2466% | 5,103 |
| Equity capital to assets | 18.2785% | 313 |
| Core capital (leverage) ratio | 18.8885% | 255 |
| Tier 1 risk-based capital ratio | 26.4636% | 648 |
| Total risk-based capital ratio | 27.7221% | 636 |
| Memoranda: | ||
| Average total assets | $553,887,500 | 1,287 |
| Average earning assets | $519,529,250 | 1,270 |
| Average equity | $97,734,750 | 849 |
| Average total loans | $440,479,500 | 1,157 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0330% | 535 |
| Cost of funding earning assets | 0.9124% | 282 |
| Net interest margin | 4.1206% | 1,269 |
| Noninterest income to average assets | 1.2440% | 671 |
| Noninterest expense to average assets | 4.4766% | 330 |
| Loan and lease loss provision to assets | -0.2381% | 5,715 |
| Net operating income to assets | 0.5613% | 4,467 |
| Return on assets (ROA) | 0.5613% | 4,515 |
| Pretax return on assets | 0.8760% | 4,009 |
| Return on Equity (ROE) | 3.2183% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.2183% | 3,798 |
| Net charge-offs to loans | 0.1101% | 1,529 |
| Credit loss provision to net charge-offs | -273.6626% | 4,532 |
| Earnings coverage of net charge-offs (x) | 7.3333% | 2,615 |
| Efficiency ratio | 87.5271% | 573 |
| Assets per employee ($millions) | 2.9841% | 5,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8877% | 737 |
| Loan loss allowance to noncurrent loans | 91.1286% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 1.7793% | 780 |
| Noncurrent loans to loans | 2.0715% | 801 |
| Net loans and leases to total assets | 77.4301% | 1,327 |
| Net loans and leases to deposits | 102.8376% | 559 |
| Net loans and leases to core deposits | 113.6519% | 813 |
| Total domestic deposits to total assets | 75.2936% | 5,170 |
| Equity capital to assets | 18.3164% | 303 |
| Core capital (leverage) ratio | 18.3036% | 290 |
| Tier 1 risk-based capital ratio | 26.8142% | 616 |
| Total risk-based capital ratio | 28.0757% | 605 |
| Memoranda: | ||
| Average total assets | $558,680,330 | 1,290 |
| Average earning assets | $524,776,330 | 1,265 |
| Average equity | $97,441,670 | 854 |
| Average total loans | $441,430,000 | 1,159 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 1,012 |
| Cost of funding earning assets | 0.9085% | 267 |
| Net interest margin | 3.7496% | 2,314 |
| Noninterest income to average assets | 1.2131% | 699 |
| Noninterest expense to average assets | 4.1626% | 442 |
| Loan and lease loss provision to assets | -0.3512% | 5,823 |
| Net operating income to assets | 0.6069% | 4,131 |
| Return on assets (ROA) | 0.6069% | 4,183 |
| Pretax return on assets | 0.9300% | 3,660 |
| Return on Equity (ROE) | 3.5640% | 4,934 |
| Retained earnings to average equity (ytd only) | 3.5640% | 3,661 |
| Net charge-offs to loans | 0.1351% | 1,121 |
| Credit loss provision to net charge-offs | -328.9474% | 4,147 |
| Earnings coverage of net charge-offs (x) | 5.4211% | 2,295 |
| Efficiency ratio | 87.7926% | 673 |
| Assets per employee ($millions) | 3.2149% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 921 |
| Loan loss allowance to noncurrent loans | 90.9281% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.6865% | 892 |
| Noncurrent loans to loans | 2.0034% | 888 |
| Net loans and leases to total assets | 79.5730% | 891 |
| Net loans and leases to deposits | 104.0442% | 399 |
| Net loans and leases to core deposits | 115.0039% | 633 |
| Total domestic deposits to total assets | 76.4800% | 5,177 |
| Equity capital to assets | 17.4216% | 347 |
| Core capital (leverage) ratio | 17.3270% | 340 |
| Tier 1 risk-based capital ratio | 25.4894% | 733 |
| Total risk-based capital ratio | 26.7506% | 712 |
| Memoranda: | ||
| Average total assets | $569,455,000 | 1,265 |
| Average earning assets | $535,837,000 | 1,240 |
| Average equity | $96,971,000 | 848 |
| Average total loans | $450,193,500 | 1,128 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3601% | 1,955 |
| Cost of funding earning assets | 1.0371% | 141 |
| Net interest margin | 3.3230% | 4,072 |
| Noninterest income to average assets | 1.0515% | 1,021 |
| Noninterest expense to average assets | 3.5588% | 1,067 |
| Loan and lease loss provision to assets | -0.0463% | 5,580 |
| Net operating income to assets | 0.4330% | 4,843 |
| Return on assets (ROA) | 0.4341% | 4,930 |
| Pretax return on assets | 0.6606% | 4,619 |
| Return on Equity (ROE) | 2.9046% | 5,184 |
| Retained earnings to average equity (ytd only) | 2.9046% | 3,830 |
| Net charge-offs to loans | 0.3666% | 742 |
| Credit loss provision to net charge-offs | -16.3187% | 4,761 |
| Earnings coverage of net charge-offs (x) | 2.1577% | 3,878 |
| Efficiency ratio | 85.3119% | 875 |
| Assets per employee ($millions) | 3.6220% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9937% | 666 |
| Loan loss allowance to noncurrent loans | 211.7368% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8033% | 2,345 |
| Noncurrent loans to loans | 0.9416% | 2,203 |
| Net loans and leases to total assets | 75.5958% | 1,584 |
| Net loans and leases to deposits | 97.7991% | 844 |
| Net loans and leases to core deposits | 109.4833% | 930 |
| Total domestic deposits to total assets | 77.2970% | 5,078 |
| Equity capital to assets | 16.6495% | 425 |
| Core capital (leverage) ratio | 15.6862% | 504 |
| Tier 1 risk-based capital ratio | 27.2875% | 605 |
| Total risk-based capital ratio | 28.5531% | 588 |
| Memoranda: | ||
| Average total assets | $640,920,000 | 1,102 |
| Average earning assets | $601,771,000 | 1,086 |
| Average equity | $95,778,400 | 832 |
| Average total loans | $496,391,600 | 981 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,338 |
| Cost of funding earning assets | 1.0212% | 153 |
| Net interest margin | 3.2280% | 4,407 |
| Noninterest income to average assets | 1.0327% | 1,069 |
| Noninterest expense to average assets | 3.3520% | 1,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4673% | 4,811 |
| Return on assets (ROA) | 0.4673% | 4,887 |
| Pretax return on assets | 0.7080% | 4,591 |
| Return on Equity (ROE) | 3.2077% | 5,167 |
| Retained earnings to average equity (ytd only) | 3.2077% | 3,991 |
| Net charge-offs to loans | 0.4012% | 537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 2.2763% | 3,591 |
| Efficiency ratio | 82.5610% | 1,121 |
| Assets per employee ($millions) | 3.9640% | 4,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9697% | 759 |
| Loan loss allowance to noncurrent loans | 207.3128% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.7868% | 2,584 |
| Noncurrent loans to loans | 0.9501% | 2,344 |
| Net loans and leases to total assets | 74.5220% | 1,785 |
| Net loans and leases to deposits | 102.2109% | 554 |
| Net loans and leases to core deposits | 115.4669% | 675 |
| Total domestic deposits to total assets | 72.9100% | 5,530 |
| Equity capital to assets | 15.2216% | 686 |
| Core capital (leverage) ratio | 15.0045% | 634 |
| Tier 1 risk-based capital ratio | 25.2020% | 794 |
| Total risk-based capital ratio | 26.4672% | 775 |
| Memoranda: | ||
| Average total assets | $656,270,500 | 1,082 |
| Average earning assets | $615,478,000 | 1,058 |
| Average equity | $95,601,250 | 833 |
| Average total loans | $508,738,750 | 963 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 2,164 |
| Cost of funding earning assets | 1.0055% | 166 |
| Net interest margin | 3.2924% | 4,259 |
| Noninterest income to average assets | 1.0428% | 1,029 |
| Noninterest expense to average assets | 3.3046% | 1,583 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5431% | 4,509 |
| Return on assets (ROA) | 0.5431% | 4,617 |
| Pretax return on assets | 0.8210% | 4,213 |
| Return on Equity (ROE) | 3.7822% | 4,987 |
| Retained earnings to average equity (ytd only) | 3.7822% | 3,485 |
| Net charge-offs to loans | 0.4753% | 463 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 2.2146% | 3,310 |
| Efficiency ratio | 80.1008% | 1,484 |
| Assets per employee ($millions) | 4.0683% | 3,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9799% | 768 |
| Loan loss allowance to noncurrent loans | 271.0373% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.5890% | 3,256 |
| Noncurrent loans to loans | 0.7305% | 2,910 |
| Net loans and leases to total assets | 73.1469% | 1,994 |
| Net loans and leases to deposits | 98.3382% | 856 |
| Net loans and leases to core deposits | 111.7695% | 831 |
| Total domestic deposits to total assets | 74.3830% | 5,483 |
| Equity capital to assets | 14.4906% | 874 |
| Core capital (leverage) ratio | 14.4486% | 720 |
| Tier 1 risk-based capital ratio | 25.1100% | 799 |
| Total risk-based capital ratio | 26.3763% | 786 |
| Memoranda: | ||
| Average total assets | $663,613,330 | 1,072 |
| Average earning assets | $621,375,670 | 1,048 |
| Average equity | $95,287,670 | 833 |
| Average total loans | $517,602,670 | 944 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4388% | 1,686 |
| Cost of funding earning assets | 1.0001% | 171 |
| Net interest margin | 3.4387% | 3,717 |
| Noninterest income to average assets | 1.0514% | 979 |
| Noninterest expense to average assets | 3.1736% | 1,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6869% | 3,778 |
| Return on assets (ROA) | 0.6869% | 3,895 |
| Pretax return on assets | 1.1014% | 3,087 |
| Return on Equity (ROE) | 4.8058% | 4,577 |
| Retained earnings to average equity (ytd only) | 4.8058% | 3,065 |
| Net charge-offs to loans | 0.1588% | 1,174 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 8.7048% | 2,033 |
| Efficiency ratio | 74.2354% | 2,437 |
| Assets per employee ($millions) | 4.4416% | 3,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1049% | 681 |
| Loan loss allowance to noncurrent loans | 258.3473% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.6535% | 3,097 |
| Noncurrent loans to loans | 0.8148% | 2,801 |
| Net loans and leases to total assets | 75.5096% | 1,468 |
| Net loans and leases to deposits | 101.3012% | 543 |
| Net loans and leases to core deposits | 116.0477% | 588 |
| Total domestic deposits to total assets | 74.5397% | 5,562 |
| Equity capital to assets | 14.3289% | 875 |
| Core capital (leverage) ratio | 13.4404% | 1,010 |
| Tier 1 risk-based capital ratio | 24.5585% | 860 |
| Total risk-based capital ratio | 25.8275% | 842 |
| Memoranda: | ||
| Average total assets | $663,852,500 | 1,067 |
| Average earning assets | $622,324,500 | 1,053 |
| Average equity | $94,885,500 | 832 |
| Average total loans | $528,973,500 | 927 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,741 |
| Cost of funding earning assets | 1.0155% | 161 |
| Net interest margin | 3.4356% | 3,775 |
| Noninterest income to average assets | 1.0269% | 1,125 |
| Noninterest expense to average assets | 3.1636% | 2,054 |
| Loan and lease loss provision to assets | 0.2194% | 936 |
| Net operating income to assets | 0.5395% | 4,540 |
| Return on assets (ROA) | 0.5651% | 4,532 |
| Pretax return on assets | 0.9089% | 3,802 |
| Return on Equity (ROE) | 4.0710% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.0710% | 3,108 |
| Net charge-offs to loans | 0.3466% | 857 |
| Credit loss provision to net charge-offs | 77.3495% | 2,995 |
| Earnings coverage of net charge-offs (x) | 3.8363% | 3,652 |
| Efficiency ratio | 74.4038% | 2,518 |
| Assets per employee ($millions) | 4.4098% | 3,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 769 |
| Loan loss allowance to noncurrent loans | 233.0516% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.7378% | 2,846 |
| Noncurrent loans to loans | 0.8698% | 2,611 |
| Net loans and leases to total assets | 80.5828% | 763 |
| Net loans and leases to deposits | 108.1171% | 294 |
| Net loans and leases to core deposits | 123.6742% | 384 |
| Total domestic deposits to total assets | 74.5329% | 5,598 |
| Equity capital to assets | 14.2572% | 850 |
| Core capital (leverage) ratio | 13.9444% | 840 |
| Tier 1 risk-based capital ratio | 23.0913% | 1,006 |
| Total risk-based capital ratio | 24.3592% | 990 |
| Memoranda: | ||
| Average total assets | $667,632,600 | 1,029 |
| Average earning assets | $626,698,400 | 1,010 |
| Average equity | $92,680,800 | 817 |
| Average total loans | $546,416,400 | 859 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3474% | 2,085 |
| Cost of funding earning assets | 1.0098% | 171 |
| Net interest margin | 3.3376% | 4,187 |
| Noninterest income to average assets | 1.0522% | 1,081 |
| Noninterest expense to average assets | 3.0510% | 2,359 |
| Loan and lease loss provision to assets | 0.2919% | 513 |
| Net operating income to assets | 0.5243% | 4,700 |
| Return on assets (ROA) | 0.5571% | 4,657 |
| Pretax return on assets | 0.8932% | 4,003 |
| Return on Equity (ROE) | 4.0400% | 5,017 |
| Retained earnings to average equity (ytd only) | 4.0400% | 3,587 |
| Net charge-offs to loans | 0.4268% | 598 |
| Credit loss provision to net charge-offs | 83.6665% | 2,554 |
| Earnings coverage of net charge-offs (x) | 3.2501% | 3,534 |
| Efficiency ratio | 72.9052% | 2,734 |
| Assets per employee ($millions) | 4.8507% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0703% | 823 |
| Loan loss allowance to noncurrent loans | 217.4192% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.7686% | 2,976 |
| Noncurrent loans to loans | 0.9522% | 2,597 |
| Net loans and leases to total assets | 75.1281% | 1,523 |
| Net loans and leases to deposits | 98.9487% | 732 |
| Net loans and leases to core deposits | 111.7119% | 780 |
| Total domestic deposits to total assets | 75.9262% | 5,496 |
| Equity capital to assets | 13.2976% | 1,309 |
| Core capital (leverage) ratio | 13.3145% | 1,089 |
| Tier 1 risk-based capital ratio | 23.4072% | 1,013 |
| Total risk-based capital ratio | 24.6761% | 995 |
| Memoranda: | ||
| Average total assets | $669,174,750 | 1,032 |
| Average earning assets | $628,100,750 | 1,013 |
| Average equity | $92,274,500 | 827 |
| Average total loans | $547,007,000 | 861 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,081 |
| Cost of funding earning assets | 1.0188% | 164 |
| Net interest margin | 3.3127% | 4,254 |
| Noninterest income to average assets | 1.1174% | 968 |
| Noninterest expense to average assets | 3.0408% | 2,423 |
| Loan and lease loss provision to assets | 0.3570% | 363 |
| Net operating income to assets | 0.5161% | 4,696 |
| Return on assets (ROA) | 0.5661% | 4,594 |
| Pretax return on assets | 0.9079% | 3,929 |
| Return on Equity (ROE) | 4.0542% | 4,999 |
| Retained earnings to average equity (ytd only) | 4.0542% | 3,438 |
| Net charge-offs to loans | 0.5321% | 460 |
| Credit loss provision to net charge-offs | 80.3010% | 2,329 |
| Earnings coverage of net charge-offs (x) | 2.6696% | 3,305 |
| Efficiency ratio | 71.9289% | 3,008 |
| Assets per employee ($millions) | 4.4606% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 955 |
| Loan loss allowance to noncurrent loans | 182.5597% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 2,537 |
| Noncurrent loans to loans | 1.1059% | 2,444 |
| Net loans and leases to total assets | 83.2308% | 445 |
| Net loans and leases to deposits | 112.2247% | 222 |
| Net loans and leases to core deposits | 126.1025% | 335 |
| Total domestic deposits to total assets | 74.1645% | 5,772 |
| Equity capital to assets | 14.2172% | 905 |
| Core capital (leverage) ratio | 13.9793% | 843 |
| Tier 1 risk-based capital ratio | 23.2797% | 1,038 |
| Total risk-based capital ratio | 24.5492% | 1,018 |
| Memoranda: | ||
| Average total assets | $657,782,670 | 1,054 |
| Average earning assets | $617,572,000 | 1,028 |
| Average equity | $91,856,330 | 835 |
| Average total loans | $549,481,000 | 855 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,359 |
| Cost of funding earning assets | 1.0184% | 163 |
| Net interest margin | 3.2087% | 4,580 |
| Noninterest income to average assets | 1.3542% | 628 |
| Noninterest expense to average assets | 3.0987% | 2,275 |
| Loan and lease loss provision to assets | 0.3026% | 479 |
| Net operating income to assets | 0.6009% | 4,286 |
| Return on assets (ROA) | 0.6009% | 4,382 |
| Pretax return on assets | 0.9633% | 3,635 |
| Return on Equity (ROE) | 4.3415% | 4,828 |
| Retained earnings to average equity (ytd only) | 4.3415% | 3,408 |
| Net charge-offs to loans | 0.7078% | 333 |
| Credit loss provision to net charge-offs | 51.5996% | 2,084 |
| Earnings coverage of net charge-offs (x) | 2.1589% | 2,814 |
| Efficiency ratio | 70.9968% | 3,322 |
| Assets per employee ($millions) | 4.4627% | 3,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0151% | 1,047 |
| Loan loss allowance to noncurrent loans | 175.0797% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9639% | 2,693 |
| Noncurrent loans to loans | 1.1510% | 2,467 |
| Net loans and leases to total assets | 80.3524% | 649 |
| Net loans and leases to deposits | 107.5467% | 271 |
| Net loans and leases to core deposits | 116.5666% | 507 |
| Total domestic deposits to total assets | 74.7139% | 5,853 |
| Equity capital to assets | 13.8114% | 1,052 |
| Core capital (leverage) ratio | 12.7093% | 1,271 |
| Tier 1 risk-based capital ratio | 24.1128% | 984 |
| Total risk-based capital ratio | 25.3830% | 962 |
| Memoranda: | ||
| Average total assets | $661,047,000 | 1,051 |
| Average earning assets | $620,183,000 | 1,030 |
| Average equity | $91,489,500 | 843 |
| Average total loans | $547,615,000 | 858 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 1,129 |
| Cost of funding earning assets | 1.1080% | 128 |
| Net interest margin | 3.6849% | 3,062 |
| Noninterest income to average assets | 1.0467% | 1,119 |
| Noninterest expense to average assets | 3.3725% | 1,758 |
| Loan and lease loss provision to assets | 0.2464% | 933 |
| Net operating income to assets | 0.5742% | 4,486 |
| Return on assets (ROA) | 0.5742% | 4,571 |
| Pretax return on assets | 0.9206% | 3,823 |
| Return on Equity (ROE) | 4.0683% | 5,083 |
| Retained earnings to average equity (ytd only) | 4.0013% | 3,360 |
| Net charge-offs to loans | 0.2657% | 1,622 |
| Credit loss provision to net charge-offs | 111.5714% | 2,138 |
| Earnings coverage of net charge-offs (x) | 5.2843% | 3,466 |
| Efficiency ratio | 74.2920% | 2,789 |
| Assets per employee ($millions) | 4.3520% | 3,267 |
| Cash dividends to net income (ytd only)* | 1.6484% | 4,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0833% | 974 |
| Loan loss allowance to noncurrent loans | 149.8627% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 1.1891% | 2,392 |
| Noncurrent loans to loans | 1.3901% | 2,108 |
| Net loans and leases to total assets | 81.9427% | 527 |
| Net loans and leases to deposits | 109.8674% | 240 |
| Net loans and leases to core deposits | 117.9697% | 467 |
| Total domestic deposits to total assets | 74.5833% | 5,896 |
| Equity capital to assets | 13.8691% | 1,006 |
| Core capital (leverage) ratio | 13.7519% | 879 |
| Tier 1 risk-based capital ratio | 23.3959% | 1,019 |
| Total risk-based capital ratio | 24.6670% | 995 |
| Memoranda: | ||
| Average total assets | $633,923,800 | 1,052 |
| Average earning assets | $600,890,800 | 1,019 |
| Average equity | $89,472,000 | 822 |
| Average total loans | $526,908,200 | 841 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 944 |
| Cost of funding earning assets | 1.1228% | 125 |
| Net interest margin | 3.7699% | 2,738 |
| Noninterest income to average assets | 1.0556% | 1,103 |
| Noninterest expense to average assets | 3.3110% | 1,880 |
| Loan and lease loss provision to assets | 0.2753% | 751 |
| Net operating income to assets | 0.6536% | 4,203 |
| Return on assets (ROA) | 0.6536% | 4,298 |
| Pretax return on assets | 1.0480% | 3,387 |
| Return on Equity (ROE) | 4.6098% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.5200% | 3,433 |
| Net charge-offs to loans | 0.1366% | 2,433 |
| Credit loss provision to net charge-offs | 242.8839% | 1,080 |
| Earnings coverage of net charge-offs (x) | 11.6742% | 2,394 |
| Efficiency ratio | 71.4456% | 3,275 |
| Assets per employee ($millions) | 4.6111% | 2,791 |
| Cash dividends to net income (ytd only)* | 1.9487% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2307% | 904 |
| Loan loss allowance to noncurrent loans | 228.4577% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.7833% | 3,468 |
| Noncurrent loans to loans | 0.9764% | 3,118 |
| Net loans and leases to total assets | 75.9002% | 1,237 |
| Net loans and leases to deposits | 100.2778% | 596 |
| Net loans and leases to core deposits | 106.8346% | 910 |
| Total domestic deposits to total assets | 75.6899% | 5,858 |
| Equity capital to assets | 13.0154% | 1,417 |
| Core capital (leverage) ratio | 12.8986% | 1,227 |
| Tier 1 risk-based capital ratio | 24.1353% | 974 |
| Total risk-based capital ratio | 25.4099% | 951 |
| Memoranda: | ||
| Average total assets | $628,115,000 | 1,072 |
| Average earning assets | $596,253,750 | 1,035 |
| Average equity | $89,054,500 | 829 |
| Average total loans | $521,147,500 | 852 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 647 |
| Cost of funding earning assets | 1.1974% | 93 |
| Net interest margin | 3.8810% | 2,249 |
| Noninterest income to average assets | 1.0803% | 1,021 |
| Noninterest expense to average assets | 3.3582% | 1,786 |
| Loan and lease loss provision to assets | 0.2884% | 694 |
| Net operating income to assets | 0.6981% | 3,851 |
| Return on assets (ROA) | 0.6981% | 3,941 |
| Pretax return on assets | 1.1193% | 3,011 |
| Return on Equity (ROE) | 4.7735% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.6379% | 3,201 |
| Net charge-offs to loans | -0.1376% | 6,238 |
| Credit loss provision to net charge-offs | -246.6102% | 5,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4631% | 3,579 |
| Assets per employee ($millions) | 4.2271% | 3,412 |
| Cash dividends to net income (ytd only)* | 2.8396% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3667% | 842 |
| Loan loss allowance to noncurrent loans | 183.7417% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 1.1328% | 2,811 |
| Noncurrent loans to loans | 1.2881% | 2,652 |
| Net loans and leases to total assets | 83.6999% | 322 |
| Net loans and leases to deposits | 110.4574% | 198 |
| Net loans and leases to core deposits | 118.0044% | 424 |
| Total domestic deposits to total assets | 75.7757% | 5,937 |
| Equity capital to assets | 14.5405% | 809 |
| Core capital (leverage) ratio | 14.3959% | 732 |
| Tier 1 risk-based capital ratio | 23.8877% | 1,001 |
| Total risk-based capital ratio | 25.1637% | 976 |
| Memoranda: | ||
| Average total assets | $605,392,330 | 1,103 |
| Average earning assets | $574,910,330 | 1,070 |
| Average equity | $88,531,330 | 826 |
| Average total loans | $514,684,000 | 860 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0660% | 632 |
| Cost of funding earning assets | 1.2546% | 78 |
| Net interest margin | 3.8114% | 2,422 |
| Noninterest income to average assets | 1.0455% | 1,023 |
| Noninterest expense to average assets | 3.4662% | 1,558 |
| Loan and lease loss provision to assets | 0.3690% | 462 |
| Net operating income to assets | 0.5204% | 4,585 |
| Return on assets (ROA) | 0.5204% | 4,656 |
| Pretax return on assets | 0.8367% | 3,952 |
| Return on Equity (ROE) | 3.5484% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.5484% | 4,006 |
| Net charge-offs to loans | -0.3310% | 6,501 |
| Credit loss provision to net charge-offs | -131.6667% | 4,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1931% | 3,096 |
| Assets per employee ($millions) | 4.1807% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3761% | 937 |
| Loan loss allowance to noncurrent loans | 188.3482% | 2,192 |
| Noncurrent assets plus other real estate owned to assets | 1.1955% | 2,867 |
| Noncurrent loans to loans | 1.2615% | 2,926 |
| Net loans and leases to total assets | 82.0230% | 354 |
| Net loans and leases to deposits | 104.3918% | 280 |
| Net loans and leases to core deposits | 110.8393% | 558 |
| Total domestic deposits to total assets | 78.5722% | 5,744 |
| Equity capital to assets | 14.3818% | 816 |
| Core capital (leverage) ratio | 14.2494% | 746 |
| Tier 1 risk-based capital ratio | 23.8609% | 1,024 |
| Total risk-based capital ratio | 25.0437% | 1,016 |
| Memoranda: | ||
| Average total assets | $599,508,000 | 1,122 |
| Average earning assets | $570,394,500 | 1,084 |
| Average equity | $87,928,000 | 833 |
| Average total loans | $507,483,500 | 867 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 335 |
| Cost of funding earning assets | 1.4034% | 71 |
| Net interest margin | 4.1372% | 1,553 |
| Noninterest income to average assets | 1.0728% | 1,229 |
| Noninterest expense to average assets | 3.3807% | 1,923 |
| Loan and lease loss provision to assets | 0.5134% | 539 |
| Net operating income to assets | 0.5920% | 4,301 |
| Return on assets (ROA) | 1.1314% | 1,894 |
| Pretax return on assets | 1.8166% | 730 |
| Return on Equity (ROE) | 7.7635% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.7635% | 1,132 |
| Net charge-offs to loans | 1.0628% | 533 |
| Credit loss provision to net charge-offs | 60.4531% | 3,547 |
| Earnings coverage of net charge-offs (x) | 1.7512% | 4,462 |
| Efficiency ratio | 69.4495% | 3,929 |
| Assets per employee ($millions) | 4.1158% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2655% | 1,090 |
| Loan loss allowance to noncurrent loans | 180.8807% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.1548% | 3,090 |
| Noncurrent loans to loans | 1.2525% | 3,035 |
| Net loans and leases to total assets | 83.3804% | 298 |
| Net loans and leases to deposits | 106.6757% | 242 |
| Net loans and leases to core deposits | 112.9717% | 499 |
| Total domestic deposits to total assets | 78.1625% | 5,806 |
| Equity capital to assets | 14.9662% | 676 |
| Core capital (leverage) ratio | 14.8499% | 621 |
| Tier 1 risk-based capital ratio | 26.7915% | 699 |
| Total risk-based capital ratio | 28.0692% | 679 |
| Memoranda: | ||
| Average total assets | $592,534,800 | 1,122 |
| Average earning assets | $543,534,000 | 1,111 |
| Average equity | $86,352,800 | 824 |
| Average total loans | $473,476,400 | 899 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7257% | 268 |
| Cost of funding earning assets | 1.4270% | 69 |
| Net interest margin | 4.2987% | 1,098 |
| Noninterest income to average assets | 1.1049% | 1,201 |
| Noninterest expense to average assets | 3.4245% | 1,768 |
| Loan and lease loss provision to assets | 0.4191% | 702 |
| Net operating income to assets | 0.7003% | 3,861 |
| Return on assets (ROA) | 1.4170% | 1,115 |
| Pretax return on assets | 2.2755% | 338 |
| Return on Equity (ROE) | 9.7883% | 2,266 |
| Retained earnings to average equity (ytd only) | 9.7883% | 831 |
| Net charge-offs to loans | 1.1918% | 453 |
| Credit loss provision to net charge-offs | 44.7557% | 3,619 |
| Earnings coverage of net charge-offs (x) | 1.6815% | 4,276 |
| Efficiency ratio | 68.5013% | 3,994 |
| Assets per employee ($millions) | 4.2166% | 3,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2518% | 1,249 |
| Loan loss allowance to noncurrent loans | 81.8277% | 4,003 |
| Noncurrent assets plus other real estate owned to assets | 2.4103% | 1,609 |
| Noncurrent loans to loans | 2.7519% | 1,527 |
| Net loans and leases to total assets | 79.5887% | 597 |
| Net loans and leases to deposits | 101.1822% | 420 |
| Net loans and leases to core deposits | 106.8952% | 712 |
| Total domestic deposits to total assets | 78.6588% | 5,808 |
| Equity capital to assets | 14.5726% | 800 |
| Core capital (leverage) ratio | 14.4312% | 752 |
| Tier 1 risk-based capital ratio | 26.8775% | 716 |
| Total risk-based capital ratio | 28.1541% | 700 |
| Memoranda: | ||
| Average total assets | $594,556,250 | 1,129 |
| Average earning assets | $538,634,750 | 1,139 |
| Average equity | $86,073,500 | 831 |
| Average total loans | $467,192,500 | 913 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8351% | 230 |
| Cost of funding earning assets | 1.4751% | 62 |
| Net interest margin | 4.3600% | 920 |
| Noninterest income to average assets | 1.1656% | 1,117 |
| Noninterest expense to average assets | 3.4729% | 1,672 |
| Loan and lease loss provision to assets | 0.4582% | 630 |
| Net operating income to assets | 0.6601% | 4,016 |
| Return on assets (ROA) | 1.7378% | 635 |
| Pretax return on assets | 2.7912% | 182 |
| Return on Equity (ROE) | 12.0308% | 1,484 |
| Retained earnings to average equity (ytd only) | 12.0308% | 487 |
| Net charge-offs to loans | 1.9417% | 234 |
| Credit loss provision to net charge-offs | 30.4027% | 3,583 |
| Earnings coverage of net charge-offs (x) | 1.0387% | 4,189 |
| Efficiency ratio | 68.9286% | 4,024 |
| Assets per employee ($millions) | 3.9769% | 3,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1404% | 1,544 |
| Loan loss allowance to noncurrent loans | 78.0950% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 2.4204% | 1,756 |
| Noncurrent loans to loans | 2.7407% | 1,663 |
| Net loans and leases to total assets | 81.2357% | 416 |
| Net loans and leases to deposits | 103.1512% | 292 |
| Net loans and leases to core deposits | 111.0688% | 521 |
| Total domestic deposits to total assets | 78.7540% | 5,838 |
| Equity capital to assets | 15.1731% | 678 |
| Core capital (leverage) ratio | 14.8850% | 635 |
| Tier 1 risk-based capital ratio | 25.8348% | 790 |
| Total risk-based capital ratio | 27.1074% | 767 |
| Memoranda: | ||
| Average total assets | $593,157,330 | 1,132 |
| Average earning assets | $526,876,330 | 1,160 |
| Average equity | $85,680,000 | 832 |
| Average total loans | $460,417,330 | 921 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1076% | 145 |
| Cost of funding earning assets | 1.5219% | 51 |
| Net interest margin | 4.5857% | 573 |
| Noninterest income to average assets | 1.3298% | 873 |
| Noninterest expense to average assets | 3.3782% | 1,881 |
| Loan and lease loss provision to assets | 0.3527% | 923 |
| Net operating income to assets | 0.9404% | 2,470 |
| Return on assets (ROA) | 1.7600% | 563 |
| Pretax return on assets | 2.8266% | 185 |
| Return on Equity (ROE) | 12.4832% | 1,299 |
| Retained earnings to average equity (ytd only) | 12.4832% | 630 |
| Net charge-offs to loans | 0.1598% | 2,447 |
| Credit loss provision to net charge-offs | 293.9227% | 818 |
| Earnings coverage of net charge-offs (x) | 15.8232% | 1,385 |
| Efficiency ratio | 64.0201% | 5,009 |
| Assets per employee ($millions) | 4.3902% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0247% | 646 |
| Loan loss allowance to noncurrent loans | 71.6907% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 3.0491% | 1,463 |
| Noncurrent loans to loans | 4.2190% | 1,036 |
| Net loans and leases to total assets | 68.2126% | 1,967 |
| Net loans and leases to deposits | 83.9918% | 1,598 |
| Net loans and leases to core deposits | 89.4122% | 1,765 |
| Total domestic deposits to total assets | 81.2134% | 5,446 |
| Equity capital to assets | 13.4104% | 1,242 |
| Core capital (leverage) ratio | 12.9089% | 1,153 |
| Tier 1 risk-based capital ratio | 26.4548% | 749 |
| Total risk-based capital ratio | 27.7401% | 735 |
| Memoranda: | ||
| Average total assets | $603,400,000 | 1,121 |
| Average earning assets | $519,349,500 | 1,196 |
| Average equity | $85,074,000 | 851 |
| Average total loans | $452,931,500 | 940 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1427% | 217 |
| Cost of funding earning assets | 1.7081% | 70 |
| Net interest margin | 4.4345% | 1,078 |
| Noninterest income to average assets | 1.1197% | 1,241 |
| Noninterest expense to average assets | 3.5491% | 1,721 |
| Loan and lease loss provision to assets | 0.8414% | 563 |
| Net operating income to assets | 0.5551% | 4,451 |
| Return on assets (ROA) | 0.6971% | 4,004 |
| Pretax return on assets | 1.1178% | 3,089 |
| Return on Equity (ROE) | 5.1456% | 4,614 |
| Retained earnings to average equity (ytd only) | 5.1456% | 2,611 |
| Net charge-offs to loans | 0.7482% | 1,568 |
| Credit loss provision to net charge-offs | 149.0964% | 1,829 |
| Earnings coverage of net charge-offs (x) | 3.0786% | 3,896 |
| Efficiency ratio | 67.1350% | 4,304 |
| Assets per employee ($millions) | 3.8755% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9200% | 718 |
| Loan loss allowance to noncurrent loans | 66.9489% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 3.5719% | 1,256 |
| Noncurrent loans to loans | 4.3615% | 1,001 |
| Net loans and leases to total assets | 78.0655% | 668 |
| Net loans and leases to deposits | 99.8253% | 420 |
| Net loans and leases to core deposits | 108.1307% | 607 |
| Total domestic deposits to total assets | 78.2021% | 6,048 |
| Equity capital to assets | 14.8793% | 774 |
| Core capital (leverage) ratio | 14.1542% | 761 |
| Tier 1 risk-based capital ratio | 22.2293% | 1,224 |
| Total risk-based capital ratio | 23.5094% | 1,193 |
| Memoranda: | ||
| Average total assets | $588,290,800 | 1,128 |
| Average earning assets | $552,773,400 | 1,097 |
| Average equity | $79,699,600 | 882 |
| Average total loans | $443,727,600 | 938 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1746% | 224 |
| Cost of funding earning assets | 1.7494% | 72 |
| Net interest margin | 4.4253% | 1,150 |
| Noninterest income to average assets | 1.0785% | 1,294 |
| Noninterest expense to average assets | 3.4687% | 1,834 |
| Loan and lease loss provision to assets | 0.8735% | 516 |
| Net operating income to assets | 0.5594% | 4,573 |
| Return on assets (ROA) | 0.7063% | 4,127 |
| Pretax return on assets | 1.1324% | 3,223 |
| Return on Equity (ROE) | 5.3382% | 4,670 |
| Retained earnings to average equity (ytd only) | 5.3382% | 3,133 |
| Net charge-offs to loans | 0.8023% | 1,369 |
| Credit loss provision to net charge-offs | 146.6642% | 1,943 |
| Earnings coverage of net charge-offs (x) | 2.9827% | 3,833 |
| Efficiency ratio | 66.1317% | 4,427 |
| Assets per employee ($millions) | 3.8233% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8721% | 824 |
| Loan loss allowance to noncurrent loans | 61.2338% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 3.7322% | 1,324 |
| Noncurrent loans to loans | 4.6905% | 993 |
| Net loans and leases to total assets | 76.0324% | 972 |
| Net loans and leases to deposits | 96.3192% | 638 |
| Net loans and leases to core deposits | 103.7153% | 882 |
| Total domestic deposits to total assets | 78.9379% | 5,883 |
| Equity capital to assets | 14.3614% | 1,015 |
| Core capital (leverage) ratio | 13.7983% | 901 |
| Tier 1 risk-based capital ratio | 22.2227% | 1,290 |
| Total risk-based capital ratio | 23.5018% | 1,269 |
| Memoranda: | ||
| Average total assets | $593,907,000 | 1,129 |
| Average earning assets | $559,199,250 | 1,091 |
| Average equity | $78,576,750 | 900 |
| Average total loans | $440,909,250 | 950 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9501% | 317 |
| Cost of funding earning assets | 1.7636% | 79 |
| Net interest margin | 4.1865% | 1,785 |
| Noninterest income to average assets | 1.0607% | 1,280 |
| Noninterest expense to average assets | 3.5381% | 1,703 |
| Loan and lease loss provision to assets | 0.9792% | 456 |
| Net operating income to assets | 0.3166% | 5,561 |
| Return on assets (ROA) | 0.3166% | 5,765 |
| Pretax return on assets | 0.5061% | 5,422 |
| Return on Equity (ROE) | 2.4601% | 5,894 |
| Retained earnings to average equity (ytd only) | 2.4601% | 4,958 |
| Net charge-offs to loans | 1.0419% | 1,052 |
| Credit loss provision to net charge-offs | 128.8217% | 2,137 |
| Earnings coverage of net charge-offs (x) | 1.9540% | 3,998 |
| Efficiency ratio | 70.4335% | 3,693 |
| Assets per employee ($millions) | 4.0042% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7669% | 975 |
| Loan loss allowance to noncurrent loans | 63.0369% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 3.3706% | 1,596 |
| Noncurrent loans to loans | 4.3894% | 1,220 |
| Net loans and leases to total assets | 73.5099% | 1,330 |
| Net loans and leases to deposits | 92.2117% | 928 |
| Net loans and leases to core deposits | 103.0643% | 912 |
| Total domestic deposits to total assets | 79.7187% | 5,811 |
| Equity capital to assets | 13.2896% | 1,399 |
| Core capital (leverage) ratio | 13.0706% | 1,129 |
| Tier 1 risk-based capital ratio | 18.1674% | 2,242 |
| Total risk-based capital ratio | 19.4379% | 2,206 |
| Memoranda: | ||
| Average total assets | $600,712,670 | 1,109 |
| Average earning assets | $568,595,330 | 1,067 |
| Average equity | $77,315,330 | 910 |
| Average total loans | $438,235,000 | 954 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8193% | 413 |
| Cost of funding earning assets | 1.7822% | 91 |
| Net interest margin | 4.0371% | 2,345 |
| Noninterest income to average assets | 1.0798% | 1,234 |
| Noninterest expense to average assets | 3.5098% | 1,748 |
| Loan and lease loss provision to assets | 0.8504% | 545 |
| Net operating income to assets | 0.3290% | 5,554 |
| Return on assets (ROA) | 0.3290% | 5,724 |
| Pretax return on assets | 0.5261% | 5,345 |
| Return on Equity (ROE) | 2.5969% | 5,867 |
| Retained earnings to average equity (ytd only) | 2.5969% | 4,960 |
| Net charge-offs to loans | 0.6899% | 1,442 |
| Credit loss provision to net charge-offs | 172.0000% | 1,488 |
| Earnings coverage of net charge-offs (x) | 2.7840% | 3,066 |
| Efficiency ratio | 71.8295% | 3,476 |
| Assets per employee ($millions) | 3.8513% | 4,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7985% | 1,009 |
| Loan loss allowance to noncurrent loans | 65.8015% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 3.2335% | 1,785 |
| Noncurrent loans to loans | 4.2529% | 1,411 |
| Net loans and leases to total assets | 68.7405% | 1,980 |
| Net loans and leases to deposits | 85.1309% | 1,522 |
| Net loans and leases to core deposits | 95.0891% | 1,369 |
| Total domestic deposits to total assets | 80.7468% | 5,664 |
| Equity capital to assets | 12.6673% | 1,613 |
| Core capital (leverage) ratio | 12.4122% | 1,377 |
| Tier 1 risk-based capital ratio | 18.7502% | 2,065 |
| Total risk-based capital ratio | 19.8828% | 2,067 |
| Memoranda: | ||
| Average total assets | $606,759,000 | 1,098 |
| Average earning assets | $572,099,500 | 1,062 |
| Average equity | $76,860,500 | 908 |
| Average total loans | $434,849,000 | 959 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0437% | 89 |
| Cost of funding earning assets | 1.9375% | 125 |
| Net interest margin | 5.1062% | 336 |
| Noninterest income to average assets | 2.6537% | 248 |
| Noninterest expense to average assets | 5.7001% | 241 |
| Loan and lease loss provision to assets | 1.0145% | 929 |
| Net operating income to assets | 0.5128% | 4,366 |
| Return on assets (ROA) | 0.5595% | 4,377 |
| Pretax return on assets | 0.8939% | 3,624 |
| Return on Equity (ROE) | 4.2438% | 4,743 |
| Retained earnings to average equity (ytd only) | 4.2438% | 3,167 |
| Net charge-offs to loans | 1.1144% | 1,543 |
| Credit loss provision to net charge-offs | 117.8804% | 2,728 |
| Earnings coverage of net charge-offs (x) | 2.1326% | 4,187 |
| Efficiency ratio | 75.6441% | 2,949 |
| Assets per employee ($millions) | 3.6871% | 4,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 2,538 |
| Loan loss allowance to noncurrent loans | 57.5705% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 2.5797% | 2,356 |
| Noncurrent loans to loans | 3.3181% | 1,955 |
| Net loans and leases to total assets | 71.2577% | 1,775 |
| Net loans and leases to deposits | 86.9599% | 1,535 |
| Net loans and leases to core deposits | 96.7731% | 1,431 |
| Total domestic deposits to total assets | 81.9431% | 5,147 |
| Equity capital to assets | 12.6675% | 1,683 |
| Core capital (leverage) ratio | 12.7102% | 1,263 |
| Tier 1 risk-based capital ratio | 20.8768% | 1,438 |
| Total risk-based capital ratio | 22.1395% | 1,416 |
| Memoranda: | ||
| Average total assets | $571,232,400 | 1,156 |
| Average earning assets | $546,121,000 | 1,091 |
| Average equity | $75,309,000 | 892 |
| Average total loans | $441,153,400 | 946 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1731% | 85 |
| Cost of funding earning assets | 1.9660% | 135 |
| Net interest margin | 5.2071% | 285 |
| Noninterest income to average assets | 3.2518% | 193 |
| Noninterest expense to average assets | 6.4489% | 170 |
| Loan and lease loss provision to assets | 0.9824% | 885 |
| Net operating income to assets | 0.5117% | 4,498 |
| Return on assets (ROA) | 0.5747% | 4,383 |
| Pretax return on assets | 0.9173% | 3,696 |
| Return on Equity (ROE) | 4.3143% | 4,859 |
| Retained earnings to average equity (ytd only) | 4.3143% | 3,658 |
| Net charge-offs to loans | 0.8762% | 1,820 |
| Credit loss provision to net charge-offs | 142.9406% | 2,221 |
| Earnings coverage of net charge-offs (x) | 2.6207% | 3,808 |
| Efficiency ratio | 78.1673% | 2,524 |
| Assets per employee ($millions) | 3.4747% | 5,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9059% | 2,595 |
| Loan loss allowance to noncurrent loans | 60.0805% | 4,451 |
| Noncurrent assets plus other real estate owned to assets | 2.6321% | 2,460 |
| Noncurrent loans to loans | 3.1722% | 2,186 |
| Net loans and leases to total assets | 77.2735% | 804 |
| Net loans and leases to deposits | 94.5424% | 791 |
| Net loans and leases to core deposits | 105.7650% | 881 |
| Total domestic deposits to total assets | 81.7343% | 5,183 |
| Equity capital to assets | 12.9053% | 1,665 |
| Core capital (leverage) ratio | 13.0127% | 1,228 |
| Tier 1 risk-based capital ratio | 19.9065% | 1,708 |
| Total risk-based capital ratio | 21.1644% | 1,679 |
| Memoranda: | ||
| Average total assets | $564,711,000 | 1,181 |
| Average earning assets | $542,070,250 | 1,109 |
| Average equity | $75,220,000 | 900 |
| Average total loans | $442,960,750 | 952 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9561% | 111 |
| Cost of funding earning assets | 1.9982% | 144 |
| Net interest margin | 4.9579% | 426 |
| Noninterest income to average assets | 4.4385% | 154 |
| Noninterest expense to average assets | 7.6636% | 116 |
| Loan and lease loss provision to assets | 0.9068% | 988 |
| Net operating income to assets | 0.3949% | 4,969 |
| Return on assets (ROA) | 0.4901% | 4,685 |
| Pretax return on assets | 0.7812% | 4,094 |
| Return on Equity (ROE) | 3.6407% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.6407% | 3,913 |
| Net charge-offs to loans | 0.7651% | 1,967 |
| Credit loss provision to net charge-offs | 151.3095% | 2,017 |
| Earnings coverage of net charge-offs (x) | 2.5685% | 3,543 |
| Efficiency ratio | 83.2745% | 1,911 |
| Assets per employee ($millions) | 3.0049% | 6,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8474% | 2,835 |
| Loan loss allowance to noncurrent loans | 57.6687% | 4,578 |
| Noncurrent assets plus other real estate owned to assets | 2.7349% | 2,444 |
| Noncurrent loans to loans | 3.2034% | 2,240 |
| Net loans and leases to total assets | 79.4901% | 587 |
| Net loans and leases to deposits | 98.2863% | 582 |
| Net loans and leases to core deposits | 110.1277% | 717 |
| Total domestic deposits to total assets | 80.8761% | 5,570 |
| Equity capital to assets | 13.6634% | 1,216 |
| Core capital (leverage) ratio | 13.4675% | 1,007 |
| Tier 1 risk-based capital ratio | 20.2333% | 1,565 |
| Total risk-based capital ratio | 21.4946% | 1,536 |
| Memoranda: | ||
| Average total assets | $560,678,670 | 1,196 |
| Average earning assets | $538,775,670 | 1,129 |
| Average equity | $75,480,330 | 893 |
| Average total loans | $439,154,330 | 977 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9666% | 115 |
| Cost of funding earning assets | 2.0226% | 154 |
| Net interest margin | 4.9440% | 419 |
| Noninterest income to average assets | 5.2727% | 131 |
| Noninterest expense to average assets | 8.3618% | 100 |
| Loan and lease loss provision to assets | 0.9614% | 816 |
| Net operating income to assets | 0.4401% | 4,764 |
| Return on assets (ROA) | 0.6292% | 3,937 |
| Pretax return on assets | 1.0040% | 3,123 |
| Return on Equity (ROE) | 4.7079% | 4,552 |
| Retained earnings to average equity (ytd only) | 4.7079% | 3,373 |
| Net charge-offs to loans | 1.3099% | 1,055 |
| Credit loss provision to net charge-offs | 95.2949% | 2,843 |
| Earnings coverage of net charge-offs (x) | 1.6552% | 3,483 |
| Efficiency ratio | 83.3533% | 2,038 |
| Assets per employee ($millions) | 2.9642% | 6,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 3,422 |
| Loan loss allowance to noncurrent loans | 42.3081% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 3.2051% | 2,149 |
| Noncurrent loans to loans | 3.9628% | 1,842 |
| Net loans and leases to total assets | 76.4630% | 969 |
| Net loans and leases to deposits | 94.4325% | 788 |
| Net loans and leases to core deposits | 104.1674% | 1,052 |
| Total domestic deposits to total assets | 80.9710% | 5,667 |
| Equity capital to assets | 13.5557% | 1,163 |
| Core capital (leverage) ratio | 13.1822% | 1,067 |
| Tier 1 risk-based capital ratio | 20.9615% | 1,403 |
| Total risk-based capital ratio | 22.2219% | 1,379 |
| Memoranda: | ||
| Average total assets | $564,568,500 | 1,196 |
| Average earning assets | $543,446,500 | 1,124 |
| Average equity | $75,448,000 | 888 |
| Average total loans | $434,845,500 | 1,006 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3453% | 95 |
| Cost of funding earning assets | 2.1656% | 343 |
| Net interest margin | 5.1797% | 297 |
| Noninterest income to average assets | 1.6510% | 537 |
| Noninterest expense to average assets | 5.2707% | 347 |
| Loan and lease loss provision to assets | 1.3493% | 1,126 |
| Net operating income to assets | 0.0040% | 5,828 |
| Return on assets (ROA) | 0.3166% | 5,046 |
| Pretax return on assets | 0.4871% | 4,669 |
| Return on Equity (ROE) | 2.7136% | 5,084 |
| Retained earnings to average equity (ytd only) | 2.7136% | 3,958 |
| Net charge-offs to loans | 1.3321% | 1,674 |
| Credit loss provision to net charge-offs | 142.9207% | 2,617 |
| Earnings coverage of net charge-offs (x) | 1.4357% | 4,683 |
| Efficiency ratio | 79.5443% | 2,472 |
| Assets per employee ($millions) | 2.9787% | 6,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7164% | 3,150 |
| Loan loss allowance to noncurrent loans | 37.7022% | 5,799 |
| Noncurrent assets plus other real estate owned to assets | 3.5542% | 1,941 |
| Noncurrent loans to loans | 4.5525% | 1,547 |
| Net loans and leases to total assets | 74.9728% | 1,482 |
| Net loans and leases to deposits | 92.3485% | 1,228 |
| Net loans and leases to core deposits | 102.3026% | 1,430 |
| Total domestic deposits to total assets | 81.1847% | 5,460 |
| Equity capital to assets | 13.1729% | 1,310 |
| Core capital (leverage) ratio | 12.7695% | 1,213 |
| Tier 1 risk-based capital ratio | 20.3377% | 1,428 |
| Total risk-based capital ratio | 21.5980% | 1,403 |
| Memoranda: | ||
| Average total assets | $618,702,000 | 1,077 |
| Average earning assets | $594,258,200 | 1,018 |
| Average equity | $72,192,000 | 929 |
| Average total loans | $438,476,000 | 1,022 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2417% | 112 |
| Cost of funding earning assets | 2.1994% | 384 |
| Net interest margin | 5.0423% | 396 |
| Noninterest income to average assets | 1.3508% | 737 |
| Noninterest expense to average assets | 5.1887% | 324 |
| Loan and lease loss provision to assets | 1.3987% | 963 |
| Net operating income to assets | -0.4359% | 6,547 |
| Return on assets (ROA) | -0.0340% | 6,185 |
| Pretax return on assets | 0.2336% | 5,653 |
| Return on Equity (ROE) | -0.2998% | 6,186 |
| Retained earnings to average equity (ytd only) | -0.2998% | 5,860 |
| Net charge-offs to loans | 1.8368% | 1,047 |
| Credit loss provision to net charge-offs | 109.3173% | 3,887 |
| Earnings coverage of net charge-offs (x) | 0.7850% | 5,266 |
| Efficiency ratio | 83.7825% | 1,858 |
| Assets per employee ($millions) | 2.8650% | 6,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2667% | 5,130 |
| Loan loss allowance to noncurrent loans | 34.4385% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 3.0846% | 2,347 |
| Noncurrent loans to loans | 3.6783% | 2,124 |
| Net loans and leases to total assets | 76.3862% | 1,333 |
| Net loans and leases to deposits | 94.1186% | 1,189 |
| Net loans and leases to core deposits | 104.5244% | 1,440 |
| Total domestic deposits to total assets | 81.1594% | 5,317 |
| Equity capital to assets | 13.1135% | 1,522 |
| Core capital (leverage) ratio | 12.7356% | 1,320 |
| Tier 1 risk-based capital ratio | 21.8524% | 1,229 |
| Total risk-based capital ratio | 23.1080% | 1,202 |
| Memoranda: | ||
| Average total assets | $631,890,500 | 1,064 |
| Average earning assets | $606,821,750 | 1,005 |
| Average equity | $71,602,000 | 936 |
| Average total loans | $440,165,750 | 1,023 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9489% | 166 |
| Cost of funding earning assets | 2.2245% | 431 |
| Net interest margin | 4.7245% | 781 |
| Noninterest income to average assets | 0.9187% | 1,624 |
| Noninterest expense to average assets | 4.6975% | 478 |
| Loan and lease loss provision to assets | 1.1011% | 1,299 |
| Net operating income to assets | -0.2757% | 6,447 |
| Return on assets (ROA) | 0.2828% | 5,404 |
| Pretax return on assets | 0.5443% | 4,760 |
| Return on Equity (ROE) | 2.6098% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.6098% | 4,480 |
| Net charge-offs to loans | 1.9239% | 958 |
| Credit loss provision to net charge-offs | 84.7699% | 4,575 |
| Earnings coverage of net charge-offs (x) | 0.5950% | 5,144 |
| Efficiency ratio | 85.8728% | 1,724 |
| Assets per employee ($millions) | 3.3043% | 5,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 6,559 |
| Loan loss allowance to noncurrent loans | 24.6104% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 2.8332% | 2,544 |
| Noncurrent loans to loans | 3.9098% | 1,949 |
| Net loans and leases to total assets | 68.2508% | 3,302 |
| Net loans and leases to deposits | 82.1813% | 3,242 |
| Net loans and leases to core deposits | 89.9616% | 3,275 |
| Total domestic deposits to total assets | 83.0491% | 4,550 |
| Equity capital to assets | 11.4965% | 2,446 |
| Core capital (leverage) ratio | 11.2457% | 2,071 |
| Tier 1 risk-based capital ratio | 21.5536% | 1,263 |
| Total risk-based capital ratio | 22.8039% | 1,243 |
| Memoranda: | ||
| Average total assets | $659,159,330 | 1,027 |
| Average earning assets | $635,032,330 | 964 |
| Average equity | $71,424,330 | 930 |
| Average total loans | $445,028,000 | 1,025 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0875% | 154 |
| Cost of funding earning assets | 2.2517% | 497 |
| Net interest margin | 4.8359% | 591 |
| Noninterest income to average assets | 0.5585% | 3,582 |
| Noninterest expense to average assets | 4.3513% | 679 |
| Loan and lease loss provision to assets | 0.4367% | 2,778 |
| Net operating income to assets | 0.3001% | 5,303 |
| Return on assets (ROA) | 0.3001% | 5,433 |
| Pretax return on assets | 0.4373% | 5,172 |
| Return on Equity (ROE) | 2.8508% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.8508% | 4,416 |
| Net charge-offs to loans | 0.5759% | 2,364 |
| Credit loss provision to net charge-offs | 113.4259% | 3,058 |
| Earnings coverage of net charge-offs (x) | 2.2701% | 3,404 |
| Efficiency ratio | 83.2727% | 2,105 |
| Assets per employee ($millions) | 3.5490% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1042% | 5,988 |
| Loan loss allowance to noncurrent loans | 28.1440% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 2.7649% | 2,629 |
| Noncurrent loans to loans | 3.9234% | 2,018 |
| Net loans and leases to total assets | 68.2349% | 3,331 |
| Net loans and leases to deposits | 81.3866% | 3,392 |
| Net loans and leases to core deposits | 88.9889% | 3,498 |
| Total domestic deposits to total assets | 83.8404% | 4,224 |
| Equity capital to assets | 11.0126% | 2,745 |
| Core capital (leverage) ratio | 10.7199% | 2,443 |
| Tier 1 risk-based capital ratio | 20.3503% | 1,455 |
| Total risk-based capital ratio | 21.6028% | 1,420 |
| Memoranda: | ||
| Average total assets | $673,178,000 | 1,025 |
| Average earning assets | $649,647,000 | 965 |
| Average equity | $70,858,000 | 932 |
| Average total loans | $450,076,500 | 1,042 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9739% | 81 |
| Cost of funding earning assets | 2.8721% | 341 |
| Net interest margin | 5.1018% | 359 |
| Noninterest income to average assets | 0.6044% | 3,593 |
| Noninterest expense to average assets | 4.5101% | 795 |
| Loan and lease loss provision to assets | 1.4277% | 1,608 |
| Net operating income to assets | -0.5629% | 6,237 |
| Return on assets (ROA) | 1.4595% | 798 |
| Pretax return on assets | 2.7589% | 118 |
| Return on Equity (ROE) | 16.4100% | 512 |
| Retained earnings to average equity (ytd only) | 16.4100% | 70 |
| Net charge-offs to loans | 1.1277% | 2,176 |
| Credit loss provision to net charge-offs | 201.4286% | 1,931 |
| Earnings coverage of net charge-offs (x) | 1.4483% | 4,678 |
| Efficiency ratio | 81.3460% | 2,692 |
| Assets per employee ($millions) | 3.7467% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0683% | 6,050 |
| Loan loss allowance to noncurrent loans | 31.4880% | 6,363 |
| Noncurrent assets plus other real estate owned to assets | 2.2896% | 3,021 |
| Noncurrent loans to loans | 3.3926% | 2,254 |
| Net loans and leases to total assets | 64.1728% | 4,567 |
| Net loans and leases to deposits | 76.0771% | 4,733 |
| Net loans and leases to core deposits | 104.8275% | 3,465 |
| Total domestic deposits to total assets | 84.3523% | 3,865 |
| Equity capital to assets | 10.0723% | 3,660 |
| Core capital (leverage) ratio | 9.8958% | 3,203 |
| Tier 1 risk-based capital ratio | 19.6352% | 1,537 |
| Total risk-based capital ratio | 20.8868% | 1,496 |
| Memoranda: | ||
| Average total assets | $543,184,200 | 1,277 |
| Average earning assets | $525,125,400 | 1,210 |
| Average equity | $48,312,000 | 1,390 |
| Average total loans | $341,409,400 | 1,418 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8674% | 94 |
| Cost of funding earning assets | 2.9832% | 347 |
| Net interest margin | 4.8841% | 574 |
| Noninterest income to average assets | 0.6200% | 3,547 |
| Noninterest expense to average assets | 4.6627% | 630 |
| Loan and lease loss provision to assets | 1.5978% | 1,184 |
| Net operating income to assets | -0.8840% | 6,750 |
| Return on assets (ROA) | 2.0146% | 308 |
| Pretax return on assets | 3.6101% | 65 |
| Return on Equity (ROE) | 23.7364% | 141 |
| Retained earnings to average equity (ytd only) | 23.7364% | 34 |
| Net charge-offs to loans | 1.1070% | 1,807 |
| Credit loss provision to net charge-offs | 232.2073% | 1,883 |
| Earnings coverage of net charge-offs (x) | 0.9866% | 5,069 |
| Efficiency ratio | 87.1674% | 1,948 |
| Assets per employee ($millions) | 3.8200% | 4,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,349 |
| Loan loss allowance to noncurrent loans | 49.9945% | 4,985 |
| Noncurrent assets plus other real estate owned to assets | 1.3112% | 4,461 |
| Noncurrent loans to loans | 1.9829% | 3,665 |
| Net loans and leases to total assets | 61.4872% | 5,327 |
| Net loans and leases to deposits | 71.9308% | 5,666 |
| Net loans and leases to core deposits | 103.8857% | 3,951 |
| Total domestic deposits to total assets | 85.4810% | 2,982 |
| Equity capital to assets | 9.5114% | 4,737 |
| Core capital (leverage) ratio | 9.2953% | 4,197 |
| Tier 1 risk-based capital ratio | 19.5244% | 1,641 |
| Total risk-based capital ratio | 20.7750% | 1,601 |
| Memoranda: | ||
| Average total assets | $504,758,000 | 1,382 |
| Average earning assets | $487,962,000 | 1,306 |
| Average equity | $42,841,750 | 1,579 |
| Average total loans | $313,751,250 | 1,548 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2802% | 74 |
| Cost of funding earning assets | 3.0530% | 406 |
| Net interest margin | 5.2272% | 284 |
| Noninterest income to average assets | 0.7078% | 2,949 |
| Noninterest expense to average assets | 4.5837% | 710 |
| Loan and lease loss provision to assets | 1.3261% | 1,301 |
| Net operating income to assets | -0.1713% | 6,138 |
| Return on assets (ROA) | -0.1517% | 6,132 |
| Pretax return on assets | -0.1517% | 6,067 |
| Return on Equity (ROE) | -1.9201% | 6,211 |
| Retained earnings to average equity (ytd only) | -1.9201% | 5,719 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7455% | 3,087 |
| Assets per employee ($millions) | 3.6187% | 4,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 5,705 |
| Loan loss allowance to noncurrent loans | 40.6920% | 5,658 |
| Noncurrent assets plus other real estate owned to assets | 1.5691% | 3,874 |
| Noncurrent loans to loans | 2.6633% | 2,708 |
| Net loans and leases to total assets | 58.2781% | 5,926 |
| Net loans and leases to deposits | 67.9460% | 6,195 |
| Net loans and leases to core deposits | 92.7213% | 5,271 |
| Total domestic deposits to total assets | 85.7713% | 2,893 |
| Equity capital to assets | 9.8341% | 4,169 |
| Core capital (leverage) ratio | 9.8209% | 3,491 |
| Tier 1 risk-based capital ratio | 15.6465% | 2,749 |
| Total risk-based capital ratio | 16.6639% | 2,780 |
| Memoranda: | ||
| Average total assets | $427,257,000 | 1,662 |
| Average earning assets | $411,196,670 | 1,584 |
| Average equity | $33,747,670 | 2,011 |
| Average total loans | $265,715,000 | 1,856 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2909% | 227 |
| Cost of funding earning assets | 3.2634% | 294 |
| Net interest margin | 4.0275% | 2,545 |
| Noninterest income to average assets | 0.8845% | 1,914 |
| Noninterest expense to average assets | 5.0790% | 457 |
| Loan and lease loss provision to assets | 0.3756% | 3,075 |
| Net operating income to assets | -0.7117% | 7,070 |
| Return on assets (ROA) | -0.6613% | 7,056 |
| Pretax return on assets | -0.6613% | 6,941 |
| Return on Equity (ROE) | -10.8185% | 7,415 |
| Retained earnings to average equity (ytd only) | -10.8185% | 7,187 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9079% | 903 |
| Assets per employee ($millions) | 3.1819% | 5,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5801% | 7,697 |
| Loan loss allowance to noncurrent loans | 32.3158% | 6,388 |
| Noncurrent assets plus other real estate owned to assets | 1.0453% | 4,601 |
| Noncurrent loans to loans | 1.7950% | 3,569 |
| Net loans and leases to total assets | 57.8957% | 5,958 |
| Net loans and leases to deposits | 65.9893% | 6,375 |
| Net loans and leases to core deposits | 85.8998% | 5,912 |
| Total domestic deposits to total assets | 87.7350% | 1,868 |
| Equity capital to assets | 5.8137% | 8,030 |
| Core capital (leverage) ratio | 5.7770% | 8,041 |
| Tier 1 risk-based capital ratio | 13.9589% | 3,616 |
| Total risk-based capital ratio | 14.7754% | 3,774 |
| Memoranda: | ||
| Average total assets | $333,292,500 | 2,091 |
| Average earning assets | $319,303,000 | 1,993 |
| Average equity | $20,372,500 | 3,209 |
| Average total loans | $217,349,000 | 2,198 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5957% | 2,512 |
| Cost of funding earning assets | 2.7083% | 3,128 |
| Net interest margin | 3.8874% | 3,629 |
| Noninterest income to average assets | 2.2569% | 292 |
| Noninterest expense to average assets | 10.7673% | 127 |
| Loan and lease loss provision to assets | 0.5786% | 2,509 |
| Net operating income to assets | -5.4562% | 8,119 |
| Return on assets (ROA) | -5.0797% | 8,083 |
| Pretax return on assets | -5.0797% | 8,034 |
| Return on Equity (ROE) | -38.0471% | 8,058 |
| Retained earnings to average equity (ytd only) | -38.0471% | 8,020 |
| Net charge-offs to loans | 0.0324% | 6,372 |
| Credit loss provision to net charge-offs | 2,576.6667% | 178 |
| Earnings coverage of net charge-offs (x) | -217.2000% | 7,020 |
| Efficiency ratio | 182.5114% | 237 |
| Assets per employee ($millions) | 2.0813% | 7,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5704% | 7,727 |
| Loan loss allowance to noncurrent loans | 476.0870% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 7,209 |
| Noncurrent loans to loans | 0.1198% | 7,051 |
| Net loans and leases to total assets | 76.4222% | 2,518 |
| Net loans and leases to deposits | 92.1690% | 3,101 |
| Net loans and leases to core deposits | 122.2939% | 2,475 |
| Total domestic deposits to total assets | 82.9153% | 3,807 |
| Equity capital to assets | 6.6113% | 7,899 |
| Core capital (leverage) ratio | 6.5985% | 7,900 |
| Tier 1 risk-based capital ratio | 14.5531% | 3,271 |
| Total risk-based capital ratio | 15.5201% | 3,330 |
| Memoranda: | ||
| Average total assets | $133,590,200 | 4,212 |
| Average earning assets | $124,838,400 | 4,160 |
| Average equity | $17,835,800 | 3,579 |
| Average total loans | $92,660,200 | 4,142 |