Home > Banesco USA > Performance and Condition Ratios
Banesco USA, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 1,305 |
| Cost of funding earning assets | 2.3841% | 477 |
| Net interest margin | 3.0186% | 3,238 |
| Noninterest income to average assets | 0.5600% | 1,679 |
| Noninterest expense to average assets | 2.0907% | 3,429 |
| Loan and lease loss provision to assets | 0.2300% | 514 |
| Net operating income to assets | 0.7795% | 2,940 |
| Return on assets (ROA) | 0.7170% | 3,120 |
| Pretax return on assets | 1.0105% | 2,656 |
| Return on Equity (ROE) | 5.9800% | 3,522 |
| Retained earnings to average equity (ytd only) | 5.9837% | 2,248 |
| Net charge-offs to loans | 0.0065% | 2,448 |
| Credit loss provision to net charge-offs | 4,580.8140% | 121 |
| Earnings coverage of net charge-offs (x) | 270.9593% | 467 |
| Efficiency ratio | 61.2516% | 2,945 |
| Assets per employee ($millions) | 11.1675% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 2,090 |
| Loan loss allowance to noncurrent loans | 487.6027% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 2,268 |
| Noncurrent loans to loans | 0.2533% | 2,279 |
| Net loans and leases to total assets | 74.7300% | 1,268 |
| Net loans and leases to deposits | 95.7725% | 806 |
| Net loans and leases to core deposits | 163.5759% | 138 |
| Total domestic deposits to total assets | 66.6100% | 4,366 |
| Equity capital to assets | 11.8174% | 1,199 |
| Core capital (leverage) ratio | 13.2644% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $3,526,015,800 | 353 |
| Average earning assets | $3,335,936,200 | 336 |
| Average equity | $422,477,800 | 304 |
| Average total loans | $2,636,959,600 | 329 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3148% | 1,270 |
| Cost of funding earning assets | 2.2810% | 425 |
| Net interest margin | 3.0338% | 3,270 |
| Noninterest income to average assets | 0.5700% | 1,641 |
| Noninterest expense to average assets | 2.1118% | 3,324 |
| Loan and lease loss provision to assets | 0.2500% | 406 |
| Net operating income to assets | 0.7832% | 3,075 |
| Return on assets (ROA) | 0.6942% | 3,322 |
| Pretax return on assets | 0.9674% | 2,941 |
| Return on Equity (ROE) | 5.7700% | 3,681 |
| Retained earnings to average equity (ytd only) | 5.7719% | 2,696 |
| Net charge-offs to loans | -0.0083% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 61.3030% | 2,806 |
| Assets per employee ($millions) | 11.0002% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,143 |
| Loan loss allowance to noncurrent loans | 434.0471% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 2,115 |
| Noncurrent loans to loans | 0.2866% | 2,212 |
| Net loans and leases to total assets | 74.0200% | 1,338 |
| Net loans and leases to deposits | 102.5566% | 410 |
| Net loans and leases to core deposits | 152.4587% | 136 |
| Total domestic deposits to total assets | 64.9200% | 4,421 |
| Equity capital to assets | 11.7251% | 1,119 |
| Core capital (leverage) ratio | 13.2284% | 1,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $3,455,488,500 | 360 |
| Average earning assets | $3,272,851,750 | 346 |
| Average equity | $415,591,750 | 311 |
| Average total loans | $2,575,850,500 | 336 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 1,333 |
| Cost of funding earning assets | 2.1329% | 389 |
| Net interest margin | 2.9859% | 3,464 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.1337% | 3,255 |
| Loan and lease loss provision to assets | 0.3200% | 285 |
| Net operating income to assets | 0.5685% | 3,660 |
| Return on assets (ROA) | 0.5689% | 3,666 |
| Pretax return on assets | 0.8149% | 3,375 |
| Return on Equity (ROE) | 4.6900% | 3,926 |
| Retained earnings to average equity (ytd only) | 4.6873% | 3,031 |
| Net charge-offs to loans | -0.0006% | 3,411 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.2919% | 2,337 |
| Assets per employee ($millions) | 10.8275% | 532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 2,200 |
| Loan loss allowance to noncurrent loans | 416.6750% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2372% | 2,004 |
| Noncurrent loans to loans | 0.2988% | 2,063 |
| Net loans and leases to total assets | 73.7200% | 1,326 |
| Net loans and leases to deposits | 95.0778% | 781 |
| Net loans and leases to core deposits | 151.4975% | 137 |
| Total domestic deposits to total assets | 70.3900% | 4,346 |
| Equity capital to assets | 11.5890% | 1,179 |
| Core capital (leverage) ratio | 12.8378% | 1,072 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $3,367,960,000 | 354 |
| Average earning assets | $3,201,610,333 | 341 |
| Average equity | $408,806,000 | 304 |
| Average total loans | $2,505,528,333 | 329 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7729% | 1,681 |
| Cost of funding earning assets | 1.7829% | 465 |
| Net interest margin | 2.9900% | 3,625 |
| Noninterest income to average assets | 0.4200% | 2,267 |
| Noninterest expense to average assets | 2.1732% | 3,175 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 0.5619% | 3,768 |
| Return on assets (ROA) | 0.5641% | 3,729 |
| Pretax return on assets | 0.8016% | 3,461 |
| Return on Equity (ROE) | 4.5400% | 3,951 |
| Retained earnings to average equity (ytd only) | 4.5351% | 3,126 |
| Net charge-offs to loans | -0.0021% | 3,440 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.7897% | 2,113 |
| Assets per employee ($millions) | 11.3347% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 2,538 |
| Loan loss allowance to noncurrent loans | 401.8901% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 1,985 |
| Noncurrent loans to loans | 0.2993% | 2,074 |
| Net loans and leases to total assets | 70.1400% | 1,614 |
| Net loans and leases to deposits | 90.4342% | 1,016 |
| Net loans and leases to core deposits | 159.4595% | 92 |
| Total domestic deposits to total assets | 70.9700% | 4,394 |
| Equity capital to assets | 11.5418% | 1,140 |
| Core capital (leverage) ratio | 14.5924% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $3,265,395,500 | 371 |
| Average earning assets | $3,098,723,500 | 358 |
| Average equity | $406,166,000 | 313 |
| Average total loans | $2,424,608,000 | 350 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 1,249 |
| Cost of funding earning assets | 0.6934% | 598 |
| Net interest margin | 3.5067% | 1,909 |
| Noninterest income to average assets | 0.5800% | 1,741 |
| Noninterest expense to average assets | 2.5067% | 2,091 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.8967% | 2,972 |
| Return on assets (ROA) | 0.8914% | 2,936 |
| Pretax return on assets | 1.2368% | 2,320 |
| Return on Equity (ROE) | 7.4500% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.4488% | 2,050 |
| Net charge-offs to loans | -0.0788% | 4,465 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.1915% | 2,468 |
| Assets per employee ($millions) | 9.8839% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1312% | 2,734 |
| Loan loss allowance to noncurrent loans | 326.7136% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 1,708 |
| Noncurrent loans to loans | 0.3462% | 1,901 |
| Net loans and leases to total assets | 77.2100% | 874 |
| Net loans and leases to deposits | 95.9567% | 642 |
| Net loans and leases to core deposits | 158.5929% | 74 |
| Total domestic deposits to total assets | 72.8600% | 4,401 |
| Equity capital to assets | 13.5102% | 626 |
| Core capital (leverage) ratio | 15.7759% | 479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4684% | 673 |
| Memoranda: | ||
| Average total assets | $2,583,130,200 | 442 |
| Average earning assets | $2,449,323,200 | 430 |
| Average equity | $309,124,800 | 380 |
| Average total loans | $1,946,124,800 | 385 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0070% | 1,256 |
| Cost of funding earning assets | 0.4628% | 920 |
| Net interest margin | 3.5442% | 1,537 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.5781% | 1,770 |
| Loan and lease loss provision to assets | 0.2100% | 415 |
| Net operating income to assets | 0.8525% | 3,054 |
| Return on assets (ROA) | 0.8463% | 3,054 |
| Pretax return on assets | 1.1686% | 2,496 |
| Return on Equity (ROE) | 7.3600% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.3584% | 2,246 |
| Net charge-offs to loans | -0.0006% | 3,146 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.9485% | 2,412 |
| Assets per employee ($millions) | 9.5129% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,686 |
| Loan loss allowance to noncurrent loans | 311.2595% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.2884% | 1,799 |
| Noncurrent loans to loans | 0.3765% | 1,884 |
| Net loans and leases to total assets | 75.7000% | 939 |
| Net loans and leases to deposits | 96.6609% | 520 |
| Net loans and leases to core deposits | 138.0482% | 109 |
| Total domestic deposits to total assets | 69.8400% | 4,540 |
| Equity capital to assets | 14.2204% | 541 |
| Core capital (leverage) ratio | 16.3162% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0343% | 563 |
| Memoranda: | ||
| Average total assets | $2,480,207,250 | 455 |
| Average earning assets | $2,352,921,000 | 438 |
| Average equity | $285,254,250 | 400 |
| Average total loans | $1,848,003,500 | 401 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8265% | 1,256 |
| Cost of funding earning assets | 0.3125% | 1,600 |
| Net interest margin | 3.5140% | 1,281 |
| Noninterest income to average assets | 0.5960% | 1,759 |
| Noninterest expense to average assets | 2.6076% | 1,616 |
| Loan and lease loss provision to assets | 0.0869% | 1,134 |
| Net operating income to assets | 0.8978% | 2,592 |
| Return on assets (ROA) | 0.8920% | 2,590 |
| Pretax return on assets | 1.2303% | 1,959 |
| Return on Equity (ROE) | 8.5415% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.5415% | 1,417 |
| Net charge-offs to loans | 0.0007% | 2,131 |
| Credit loss provision to net charge-offs | 17,250.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 2,628.5000% | 30 |
| Efficiency ratio | 66.2922% | 2,472 |
| Assets per employee ($millions) | 8.6151% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 2,959 |
| Loan loss allowance to noncurrent loans | 263.3162% | 2,317 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 1,719 |
| Noncurrent loans to loans | 0.4345% | 1,822 |
| Net loans and leases to total assets | 73.2377% | 980 |
| Net loans and leases to deposits | 99.6227% | 286 |
| Net loans and leases to core deposits | 137.7634% | 87 |
| Total domestic deposits to total assets | 65.5881% | 4,658 |
| Equity capital to assets | 15.4946% | 368 |
| Core capital (leverage) ratio | 17.7711% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9558% | 423 |
| Memoranda: | ||
| Average total assets | $2,381,162,667 | 465 |
| Average earning assets | $2,260,709,333 | 452 |
| Average equity | $248,669,333 | 445 |
| Average total loans | $1,754,731,667 | 408 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7270% | 1,228 |
| Cost of funding earning assets | 0.2612% | 2,032 |
| Net interest margin | 3.4658% | 1,146 |
| Noninterest income to average assets | 0.6109% | 1,651 |
| Noninterest expense to average assets | 2.7193% | 1,315 |
| Loan and lease loss provision to assets | 0.1589% | 487 |
| Net operating income to assets | 0.7261% | 2,958 |
| Return on assets (ROA) | 0.7199% | 2,972 |
| Pretax return on assets | 1.0120% | 2,397 |
| Return on Equity (ROE) | 9.5174% | 2,146 |
| Retained earnings to average equity (ytd only) | 9.5174% | 1,143 |
| Net charge-offs to loans | -0.0010% | 3,015 |
| Credit loss provision to net charge-offs | -22,600.0000% | 3,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7398% | 2,267 |
| Assets per employee ($millions) | 8.5410% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,530 |
| Loan loss allowance to noncurrent loans | 196.7594% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.4596% | 1,326 |
| Noncurrent loans to loans | 0.6422% | 1,469 |
| Net loans and leases to total assets | 70.6581% | 956 |
| Net loans and leases to deposits | 96.3882% | 268 |
| Net loans and leases to core deposits | 128.1764% | 98 |
| Total domestic deposits to total assets | 65.1558% | 4,700 |
| Equity capital to assets | 6.7531% | 4,318 |
| Core capital (leverage) ratio | 8.3803% | 3,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3372% | 2,819 |
| Memoranda: | ||
| Average total assets | $2,275,169,000 | 490 |
| Average earning assets | $2,157,742,000 | 479 |
| Average equity | $172,105,500 | 633 |
| Average total loans | $1,671,526,500 | 422 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 1,860 |
| Cost of funding earning assets | 0.3416% | 2,013 |
| Net interest margin | 3.4601% | 1,853 |
| Noninterest income to average assets | 0.6755% | 1,849 |
| Noninterest expense to average assets | 2.7660% | 1,439 |
| Loan and lease loss provision to assets | -0.1214% | 4,582 |
| Net operating income to assets | 0.9930% | 2,702 |
| Return on assets (ROA) | 1.0116% | 2,700 |
| Pretax return on assets | 1.3469% | 2,214 |
| Return on Equity (ROE) | 11.9102% | 1,847 |
| Retained earnings to average equity (ytd only) | 11.9102% | 541 |
| Net charge-offs to loans | -0.0028% | 3,423 |
| Credit loss provision to net charge-offs | 5,861.9048% | 126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6848% | 1,777 |
| Assets per employee ($millions) | 7.3571% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 2,365 |
| Loan loss allowance to noncurrent loans | 217.6397% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 1,466 |
| Noncurrent loans to loans | 0.5967% | 1,645 |
| Net loans and leases to total assets | 74.6344% | 613 |
| Net loans and leases to deposits | 100.3042% | 191 |
| Net loans and leases to core deposits | 133.8674% | 88 |
| Total domestic deposits to total assets | 65.1111% | 4,738 |
| Equity capital to assets | 8.4837% | 4,057 |
| Core capital (leverage) ratio | 8.6715% | 3,753 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4188% | 2,486 |
| Memoranda: | ||
| Average total assets | $2,027,704,400 | 524 |
| Average earning assets | $1,929,429,000 | 514 |
| Average equity | $172,221,800 | 624 |
| Average total loans | $1,510,482,800 | 469 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7576% | 2,129 |
| Cost of funding earning assets | 0.3611% | 2,010 |
| Net interest margin | 3.3965% | 2,165 |
| Noninterest income to average assets | 0.6913% | 1,853 |
| Noninterest expense to average assets | 2.7550% | 1,452 |
| Loan and lease loss provision to assets | -0.2047% | 4,753 |
| Net operating income to assets | 0.9824% | 2,978 |
| Return on assets (ROA) | 1.0076% | 2,942 |
| Pretax return on assets | 1.4056% | 2,309 |
| Return on Equity (ROE) | 11.8598% | 2,093 |
| Retained earnings to average equity (ytd only) | 11.8598% | 860 |
| Net charge-offs to loans | -0.0150% | 3,850 |
| Credit loss provision to net charge-offs | 1,840.1198% | 346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1852% | 1,581 |
| Assets per employee ($millions) | 7.1693% | 1,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3498% | 2,226 |
| Loan loss allowance to noncurrent loans | 121.4710% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8245% | 854 |
| Noncurrent loans to loans | 1.1112% | 1,006 |
| Net loans and leases to total assets | 73.1959% | 756 |
| Net loans and leases to deposits | 93.2118% | 444 |
| Net loans and leases to core deposits | 126.2773% | 141 |
| Total domestic deposits to total assets | 69.1625% | 4,753 |
| Equity capital to assets | 8.6538% | 4,101 |
| Core capital (leverage) ratio | 8.6873% | 3,862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1276% | 2,315 |
| Memoranda: | ||
| Average total assets | $2,001,242,750 | 530 |
| Average earning assets | $1,904,702,000 | 520 |
| Average equity | $170,026,250 | 642 |
| Average total loans | $1,484,775,250 | 479 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6766% | 2,403 |
| Cost of funding earning assets | 0.3858% | 2,007 |
| Net interest margin | 3.2908% | 2,467 |
| Noninterest income to average assets | 0.7586% | 1,650 |
| Noninterest expense to average assets | 2.7624% | 1,436 |
| Loan and lease loss provision to assets | -0.0204% | 4,432 |
| Net operating income to assets | 0.8295% | 3,425 |
| Return on assets (ROA) | 0.8298% | 3,498 |
| Pretax return on assets | 1.1487% | 3,065 |
| Return on Equity (ROE) | 9.8294% | 2,813 |
| Retained earnings to average equity (ytd only) | 9.8294% | 1,453 |
| Net charge-offs to loans | -0.0072% | 3,547 |
| Credit loss provision to net charge-offs | 383.0189% | 777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9818% | 1,528 |
| Assets per employee ($millions) | 7.5271% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 1,598 |
| Loan loss allowance to noncurrent loans | 124.6778% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.9063% | 852 |
| Noncurrent loans to loans | 1.2014% | 1,000 |
| Net loans and leases to total assets | 74.3107% | 721 |
| Net loans and leases to deposits | 95.5318% | 398 |
| Net loans and leases to core deposits | 129.8186% | 128 |
| Total domestic deposits to total assets | 69.0304% | 4,778 |
| Equity capital to assets | 8.3519% | 4,320 |
| Core capital (leverage) ratio | 8.5882% | 3,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6507% | 2,492 |
| Memoranda: | ||
| Average total assets | $1,987,244,000 | 529 |
| Average earning assets | $1,891,136,667 | 518 |
| Average equity | $167,762,333 | 644 |
| Average total loans | $1,474,356,667 | 483 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6640% | 2,462 |
| Cost of funding earning assets | 0.4394% | 1,805 |
| Net interest margin | 3.2245% | 2,621 |
| Noninterest income to average assets | 0.9514% | 1,214 |
| Noninterest expense to average assets | 2.9063% | 1,143 |
| Loan and lease loss provision to assets | -0.0276% | 4,614 |
| Net operating income to assets | 0.8238% | 3,344 |
| Return on assets (ROA) | 0.8244% | 3,420 |
| Pretax return on assets | 1.1387% | 3,015 |
| Return on Equity (ROE) | 9.7110% | 2,782 |
| Retained earnings to average equity (ytd only) | 9.7110% | 1,737 |
| Net charge-offs to loans | -0.0025% | 3,181 |
| Credit loss provision to net charge-offs | 1,500.0000% | 302 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3324% | 1,463 |
| Assets per employee ($millions) | 7.4381% | 1,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6142% | 1,248 |
| Loan loss allowance to noncurrent loans | 121.0951% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9738% | 851 |
| Noncurrent loans to loans | 1.3330% | 972 |
| Net loans and leases to total assets | 71.8737% | 1,044 |
| Net loans and leases to deposits | 93.9210% | 497 |
| Net loans and leases to core deposits | 133.4960% | 124 |
| Total domestic deposits to total assets | 66.7516% | 4,824 |
| Equity capital to assets | 8.2965% | 4,280 |
| Core capital (leverage) ratio | 8.5705% | 4,043 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5396% | 2,068 |
| Memoranda: | ||
| Average total assets | $1,953,420,000 | 531 |
| Average earning assets | $1,856,896,500 | 522 |
| Average equity | $165,832,000 | 645 |
| Average total loans | $1,436,423,000 | 488 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1994% | 2,140 |
| Cost of funding earning assets | 0.7413% | 1,501 |
| Net interest margin | 3.4581% | 2,607 |
| Noninterest income to average assets | 0.6123% | 2,173 |
| Noninterest expense to average assets | 2.7815% | 1,990 |
| Loan and lease loss provision to assets | 0.8768% | 134 |
| Net operating income to assets | 0.2168% | 4,551 |
| Return on assets (ROA) | 0.6086% | 3,845 |
| Pretax return on assets | 0.7328% | 3,809 |
| Return on Equity (ROE) | 7.1361% | 3,157 |
| Retained earnings to average equity (ytd only) | 7.1361% | 1,346 |
| Net charge-offs to loans | 0.3714% | 467 |
| Credit loss provision to net charge-offs | 320.3086% | 1,667 |
| Earnings coverage of net charge-offs (x) | 4.1558% | 3,019 |
| Efficiency ratio | 70.9481% | 1,818 |
| Assets per employee ($millions) | 7.5913% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,216 |
| Loan loss allowance to noncurrent loans | 136.5948% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.8838% | 1,130 |
| Noncurrent loans to loans | 1.1940% | 1,177 |
| Net loans and leases to total assets | 72.8140% | 1,185 |
| Net loans and leases to deposits | 94.0572% | 658 |
| Net loans and leases to core deposits | 135.7087% | 152 |
| Total domestic deposits to total assets | 67.7318% | 4,822 |
| Equity capital to assets | 8.6295% | 4,347 |
| Core capital (leverage) ratio | 8.3010% | 4,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4749% | 2,058 |
| Memoranda: | ||
| Average total assets | $1,894,252,200 | 502 |
| Average earning assets | $1,811,345,600 | 484 |
| Average equity | $161,544,200 | 631 |
| Average total loans | $1,396,171,400 | 479 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 2,198 |
| Cost of funding earning assets | 0.8286% | 1,366 |
| Net interest margin | 3.4378% | 2,788 |
| Noninterest income to average assets | 0.6089% | 2,142 |
| Noninterest expense to average assets | 2.8568% | 1,810 |
| Loan and lease loss provision to assets | 1.0263% | 129 |
| Net operating income to assets | 0.0129% | 4,764 |
| Return on assets (ROA) | 0.4708% | 4,189 |
| Pretax return on assets | 0.5620% | 4,171 |
| Return on Equity (ROE) | 5.5374% | 3,711 |
| Retained earnings to average equity (ytd only) | 5.5374% | 2,310 |
| Net charge-offs to loans | 0.0277% | 2,279 |
| Credit loss provision to net charge-offs | 5,035.0694% | 228 |
| Earnings coverage of net charge-offs (x) | 51.1771% | 1,180 |
| Efficiency ratio | 73.2270% | 1,490 |
| Assets per employee ($millions) | 7.7701% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8593% | 635 |
| Loan loss allowance to noncurrent loans | 143.8414% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 1,252 |
| Noncurrent loans to loans | 1.2926% | 1,147 |
| Net loans and leases to total assets | 69.4169% | 2,041 |
| Net loans and leases to deposits | 95.0751% | 837 |
| Net loans and leases to core deposits | 132.0176% | 220 |
| Total domestic deposits to total assets | 66.0250% | 4,852 |
| Equity capital to assets | 8.1455% | 4,662 |
| Core capital (leverage) ratio | 7.8658% | 4,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3254% | 2,490 |
| Memoranda: | ||
| Average total assets | $1,883,867,000 | 489 |
| Average earning assets | $1,803,468,000 | 476 |
| Average equity | $160,167,750 | 628 |
| Average total loans | $1,386,989,750 | 474 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3251% | 2,408 |
| Cost of funding earning assets | 0.9486% | 1,156 |
| Net interest margin | 3.3765% | 3,167 |
| Noninterest income to average assets | 0.5611% | 2,295 |
| Noninterest expense to average assets | 2.9955% | 1,582 |
| Loan and lease loss provision to assets | 0.6335% | 480 |
| Net operating income to assets | 0.0730% | 4,714 |
| Return on assets (ROA) | 0.5682% | 3,915 |
| Pretax return on assets | 0.7935% | 3,606 |
| Return on Equity (ROE) | 6.5836% | 3,299 |
| Retained earnings to average equity (ytd only) | 6.5836% | 1,834 |
| Net charge-offs to loans | 0.0351% | 2,036 |
| Credit loss provision to net charge-offs | 2,419.8347% | 421 |
| Earnings coverage of net charge-offs (x) | 30.5661% | 1,420 |
| Efficiency ratio | 78.8896% | 972 |
| Assets per employee ($millions) | 7.7785% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 2,422 |
| Loan loss allowance to noncurrent loans | 153.7384% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5648% | 2,110 |
| Noncurrent loans to loans | 0.7929% | 1,910 |
| Net loans and leases to total assets | 70.3569% | 1,976 |
| Net loans and leases to deposits | 91.2338% | 1,237 |
| Net loans and leases to core deposits | 124.7558% | 336 |
| Total domestic deposits to total assets | 70.2404% | 4,779 |
| Equity capital to assets | 8.0506% | 4,693 |
| Core capital (leverage) ratio | 8.3344% | 4,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1572% | 2,542 |
| Memoranda: | ||
| Average total assets | $1,848,776,667 | 494 |
| Average earning assets | $1,771,041,000 | 480 |
| Average equity | $159,548,333 | 629 |
| Average total loans | $1,380,334,333 | 466 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5672% | 2,109 |
| Cost of funding earning assets | 1.1684% | 853 |
| Net interest margin | 3.3989% | 3,301 |
| Noninterest income to average assets | 0.7004% | 1,647 |
| Noninterest expense to average assets | 3.0750% | 1,704 |
| Loan and lease loss provision to assets | 0.4670% | 633 |
| Net operating income to assets | 0.2750% | 4,400 |
| Return on assets (ROA) | 0.4715% | 4,017 |
| Pretax return on assets | 0.6656% | 3,782 |
| Return on Equity (ROE) | 5.2611% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.2611% | 2,171 |
| Net charge-offs to loans | -0.0009% | 3,600 |
| Credit loss provision to net charge-offs | -68,566.6667% | 4,065 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6523% | 1,379 |
| Assets per employee ($millions) | 6.7600% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0302% | 3,545 |
| Loan loss allowance to noncurrent loans | 181.3673% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.4279% | 2,761 |
| Noncurrent loans to loans | 0.5680% | 2,576 |
| Net loans and leases to total assets | 74.5571% | 1,525 |
| Net loans and leases to deposits | 97.6867% | 755 |
| Net loans and leases to core deposits | 127.9905% | 300 |
| Total domestic deposits to total assets | 69.2171% | 4,885 |
| Equity capital to assets | 8.9757% | 4,613 |
| Core capital (leverage) ratio | 8.7418% | 4,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1095% | 2,648 |
| Memoranda: | ||
| Average total assets | $1,761,966,500 | 506 |
| Average earning assets | $1,689,157,000 | 482 |
| Average equity | $157,915,000 | 629 |
| Average total loans | $1,350,274,000 | 466 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 2,638 |
| Cost of funding earning assets | 1.2104% | 1,007 |
| Net interest margin | 3.3832% | 3,790 |
| Noninterest income to average assets | 1.5288% | 400 |
| Noninterest expense to average assets | 4.0508% | 502 |
| Loan and lease loss provision to assets | 0.0259% | 3,498 |
| Net operating income to assets | 0.6572% | 3,996 |
| Return on assets (ROA) | 0.9461% | 3,117 |
| Pretax return on assets | 1.0314% | 3,384 |
| Return on Equity (ROE) | 10.9568% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.9568% | 340 |
| Net charge-offs to loans | -0.0873% | 4,932 |
| Credit loss provision to net charge-offs | -40.2062% | 4,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4890% | 629 |
| Assets per employee ($millions) | 6.2027% | 1,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8912% | 3,995 |
| Loan loss allowance to noncurrent loans | 116.7383% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5956% | 2,116 |
| Noncurrent loans to loans | 0.7634% | 1,989 |
| Net loans and leases to total assets | 77.3274% | 1,197 |
| Net loans and leases to deposits | 94.6858% | 1,091 |
| Net loans and leases to core deposits | 122.4022% | 417 |
| Total domestic deposits to total assets | 74.3564% | 4,750 |
| Equity capital to assets | 8.7267% | 4,814 |
| Core capital (leverage) ratio | 8.3388% | 4,928 |
| Tier 1 risk-based capital ratio | 11.8856% | 4,432 |
| Total risk-based capital ratio | 12.9314% | 4,420 |
| Memoranda: | ||
| Average total assets | $1,504,988,600 | 549 |
| Average earning assets | $1,452,468,600 | 524 |
| Average equity | $129,956,200 | 707 |
| Average total loans | $1,111,503,200 | 523 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4177% | 3,293 |
| Cost of funding earning assets | 1.1018% | 1,346 |
| Net interest margin | 3.3159% | 4,065 |
| Noninterest income to average assets | 1.7633% | 321 |
| Noninterest expense to average assets | 3.2737% | 1,323 |
| Loan and lease loss provision to assets | -0.0216% | 5,081 |
| Net operating income to assets | 1.5032% | 1,177 |
| Return on assets (ROA) | 1.8260% | 613 |
| Pretax return on assets | 2.0851% | 568 |
| Return on Equity (ROE) | 21.2207% | 190 |
| Retained earnings to average equity (ytd only) | 21.2207% | 42 |
| Net charge-offs to loans | -0.1209% | 5,025 |
| Credit loss provision to net charge-offs | 24.5816% | 2,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8641% | 2,747 |
| Assets per employee ($millions) | 6.1594% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 4,192 |
| Loan loss allowance to noncurrent loans | 187.3902% | 2,193 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 3,228 |
| Noncurrent loans to loans | 0.4600% | 2,921 |
| Net loans and leases to total assets | 70.8541% | 2,347 |
| Net loans and leases to deposits | 83.8506% | 2,477 |
| Net loans and leases to core deposits | 111.1829% | 887 |
| Total domestic deposits to total assets | 77.7686% | 4,394 |
| Equity capital to assets | 7.5444% | 5,188 |
| Core capital (leverage) ratio | 7.5563% | 5,186 |
| Tier 1 risk-based capital ratio | 10.9868% | 4,909 |
| Total risk-based capital ratio | 11.9808% | 4,920 |
| Memoranda: | ||
| Average total assets | $1,451,649,000 | 568 |
| Average earning assets | $1,404,008,500 | 542 |
| Average equity | $124,912,750 | 727 |
| Average total loans | $1,054,241,250 | 547 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 2,583 |
| Cost of funding earning assets | 1.0983% | 1,311 |
| Net interest margin | 3.5315% | 3,495 |
| Noninterest income to average assets | 0.5992% | 2,157 |
| Noninterest expense to average assets | 3.1945% | 1,520 |
| Loan and lease loss provision to assets | -0.1043% | 5,211 |
| Net operating income to assets | 0.6352% | 4,207 |
| Return on assets (ROA) | 0.8470% | 3,542 |
| Pretax return on assets | 1.1926% | 2,929 |
| Return on Equity (ROE) | 9.3130% | 2,718 |
| Retained earnings to average equity (ytd only) | 9.3130% | 957 |
| Net charge-offs to loans | -0.2462% | 5,159 |
| Credit loss provision to net charge-offs | 57.8859% | 2,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5717% | 1,005 |
| Assets per employee ($millions) | 5.8671% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1204% | 2,960 |
| Loan loss allowance to noncurrent loans | 747.7411% | 726 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 4,222 |
| Noncurrent loans to loans | 0.1498% | 4,013 |
| Net loans and leases to total assets | 70.9804% | 2,390 |
| Net loans and leases to deposits | 80.8590% | 2,861 |
| Net loans and leases to core deposits | 108.9094% | 1,041 |
| Total domestic deposits to total assets | 79.0357% | 4,214 |
| Equity capital to assets | 9.0513% | 4,769 |
| Core capital (leverage) ratio | 9.3894% | 4,259 |
| Tier 1 risk-based capital ratio | 11.9263% | 4,463 |
| Total risk-based capital ratio | 13.0797% | 4,401 |
| Memoranda: | ||
| Average total assets | $1,323,695,000 | 610 |
| Average earning assets | $1,280,184,000 | 583 |
| Average equity | $120,391,000 | 745 |
| Average total loans | $968,374,000 | 596 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5774% | 2,615 |
| Cost of funding earning assets | 1.0525% | 1,372 |
| Net interest margin | 3.5249% | 3,516 |
| Noninterest income to average assets | 0.6323% | 1,896 |
| Noninterest expense to average assets | 3.1694% | 1,576 |
| Loan and lease loss provision to assets | -0.3589% | 5,330 |
| Net operating income to assets | 0.8783% | 3,314 |
| Return on assets (ROA) | 0.9644% | 3,034 |
| Pretax return on assets | 1.3415% | 2,283 |
| Return on Equity (ROE) | 10.5763% | 2,128 |
| Retained earnings to average equity (ytd only) | 10.5763% | 909 |
| Net charge-offs to loans | -0.5258% | 5,274 |
| Credit loss provision to net charge-offs | 92.3749% | 1,696 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3910% | 1,225 |
| Assets per employee ($millions) | 5.8997% | 1,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,044 |
| Loan loss allowance to noncurrent loans | 372.0404% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 3,754 |
| Noncurrent loans to loans | 0.2997% | 3,486 |
| Net loans and leases to total assets | 72.0347% | 2,159 |
| Net loans and leases to deposits | 80.0246% | 2,840 |
| Net loans and leases to core deposits | 108.7058% | 1,007 |
| Total domestic deposits to total assets | 81.3768% | 3,887 |
| Equity capital to assets | 9.1718% | 4,559 |
| Core capital (leverage) ratio | 9.4198% | 4,236 |
| Tier 1 risk-based capital ratio | 12.4242% | 4,220 |
| Total risk-based capital ratio | 13.5793% | 4,148 |
| Memoranda: | ||
| Average total assets | $1,296,159,500 | 621 |
| Average earning assets | $1,254,158,000 | 595 |
| Average equity | $118,188,500 | 755 |
| Average total loans | $957,689,500 | 603 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 2,108 |
| Cost of funding earning assets | 0.8317% | 1,380 |
| Net interest margin | 3.7802% | 2,743 |
| Noninterest income to average assets | 0.7924% | 1,476 |
| Noninterest expense to average assets | 3.2473% | 1,436 |
| Loan and lease loss provision to assets | -0.3431% | 5,370 |
| Net operating income to assets | 1.0930% | 2,632 |
| Return on assets (ROA) | 1.0983% | 2,599 |
| Pretax return on assets | 1.5397% | 1,655 |
| Return on Equity (ROE) | 13.1335% | 1,293 |
| Retained earnings to average equity (ytd only) | 13.1335% | 222 |
| Net charge-offs to loans | -0.5511% | 5,346 |
| Credit loss provision to net charge-offs | 81.7924% | 2,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1862% | 1,735 |
| Assets per employee ($millions) | 6.1086% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1064% | 3,056 |
| Loan loss allowance to noncurrent loans | 503.9505% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 4,004 |
| Noncurrent loans to loans | 0.2195% | 3,794 |
| Net loans and leases to total assets | 74.1289% | 1,919 |
| Net loans and leases to deposits | 86.3457% | 2,230 |
| Net loans and leases to core deposits | 117.4476% | 638 |
| Total domestic deposits to total assets | 77.7367% | 4,530 |
| Equity capital to assets | 9.0633% | 4,527 |
| Core capital (leverage) ratio | 9.4095% | 4,227 |
| Tier 1 risk-based capital ratio | 12.2148% | 4,288 |
| Total risk-based capital ratio | 13.3961% | 4,218 |
| Memoranda: | ||
| Average total assets | $1,178,248,800 | 649 |
| Average earning assets | $1,136,003,400 | 624 |
| Average equity | $98,534,400 | 862 |
| Average total loans | $896,949,600 | 618 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 2,118 |
| Cost of funding earning assets | 0.7783% | 1,433 |
| Net interest margin | 3.7752% | 2,731 |
| Noninterest income to average assets | 0.7819% | 1,533 |
| Noninterest expense to average assets | 3.3366% | 1,228 |
| Loan and lease loss provision to assets | -0.1218% | 5,367 |
| Net operating income to assets | 0.8603% | 3,698 |
| Return on assets (ROA) | 0.8667% | 3,677 |
| Pretax return on assets | 1.2133% | 2,941 |
| Return on Equity (ROE) | 10.6095% | 2,347 |
| Retained earnings to average equity (ytd only) | 10.6095% | 745 |
| Net charge-offs to loans | -0.3235% | 5,367 |
| Credit loss provision to net charge-offs | 49.2523% | 2,834 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4890% | 1,409 |
| Assets per employee ($millions) | 5.9360% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1383% | 2,977 |
| Loan loss allowance to noncurrent loans | 509.8438% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 4,104 |
| Noncurrent loans to loans | 0.2233% | 3,909 |
| Net loans and leases to total assets | 75.0560% | 1,803 |
| Net loans and leases to deposits | 89.2355% | 1,990 |
| Net loans and leases to core deposits | 118.0881% | 642 |
| Total domestic deposits to total assets | 76.7079% | 4,687 |
| Equity capital to assets | 7.7946% | 5,238 |
| Core capital (leverage) ratio | 8.2374% | 5,230 |
| Tier 1 risk-based capital ratio | 10.5747% | 5,216 |
| Total risk-based capital ratio | 11.7704% | 5,150 |
| Memoranda: | ||
| Average total assets | $1,153,639,250 | 662 |
| Average earning assets | $1,111,756,000 | 632 |
| Average equity | $94,240,500 | 893 |
| Average total loans | $881,941,500 | 623 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 2,221 |
| Cost of funding earning assets | 0.7080% | 1,578 |
| Net interest margin | 3.7521% | 2,741 |
| Noninterest income to average assets | 0.7919% | 1,495 |
| Noninterest expense to average assets | 3.3602% | 1,201 |
| Loan and lease loss provision to assets | 0.1753% | 1,038 |
| Net operating income to assets | 0.6112% | 4,462 |
| Return on assets (ROA) | 0.6210% | 4,441 |
| Pretax return on assets | 0.8856% | 4,003 |
| Return on Equity (ROE) | 7.4754% | 3,736 |
| Retained earnings to average equity (ytd only) | 7.4754% | 1,852 |
| Net charge-offs to loans | -0.0658% | 5,016 |
| Credit loss provision to net charge-offs | -347.7032% | 4,294 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2193% | 1,400 |
| Assets per employee ($millions) | 5.8681% | 1,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 2,860 |
| Loan loss allowance to noncurrent loans | 397.4601% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 3,876 |
| Noncurrent loans to loans | 0.2955% | 3,637 |
| Net loans and leases to total assets | 75.5248% | 1,710 |
| Net loans and leases to deposits | 88.3459% | 2,069 |
| Net loans and leases to core deposits | 114.9677% | 745 |
| Total domestic deposits to total assets | 77.8758% | 4,608 |
| Equity capital to assets | 7.7031% | 5,320 |
| Core capital (leverage) ratio | 8.4346% | 5,153 |
| Tier 1 risk-based capital ratio | 10.1938% | 5,376 |
| Total risk-based capital ratio | 11.4123% | 5,316 |
| Memoranda: | ||
| Average total assets | $1,122,665,000 | 681 |
| Average earning assets | $1,082,178,670 | 652 |
| Average equity | $93,265,670 | 896 |
| Average total loans | $860,458,000 | 639 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 2,113 |
| Cost of funding earning assets | 0.6290% | 1,853 |
| Net interest margin | 3.7954% | 2,446 |
| Noninterest income to average assets | 0.7987% | 1,456 |
| Noninterest expense to average assets | 3.4974% | 1,005 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6758% | 4,185 |
| Return on assets (ROA) | 0.6758% | 4,189 |
| Pretax return on assets | 0.9611% | 3,663 |
| Return on Equity (ROE) | 7.8116% | 3,461 |
| Retained earnings to average equity (ytd only) | 7.8116% | 1,916 |
| Net charge-offs to loans | -0.1388% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4425% | 1,312 |
| Assets per employee ($millions) | 5.4375% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 2,741 |
| Loan loss allowance to noncurrent loans | 415.5417% | 1,271 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 3,982 |
| Noncurrent loans to loans | 0.2914% | 3,729 |
| Net loans and leases to total assets | 75.9477% | 1,551 |
| Net loans and leases to deposits | 84.7145% | 2,320 |
| Net loans and leases to core deposits | 114.7869% | 767 |
| Total domestic deposits to total assets | 81.1093% | 4,174 |
| Equity capital to assets | 8.6882% | 4,827 |
| Core capital (leverage) ratio | 8.9751% | 4,700 |
| Tier 1 risk-based capital ratio | 11.3982% | 4,922 |
| Total risk-based capital ratio | 12.6491% | 4,821 |
| Memoranda: | ||
| Average total assets | $1,073,717,500 | 712 |
| Average earning assets | $1,035,359,000 | 685 |
| Average equity | $92,888,000 | 905 |
| Average total loans | $824,297,500 | 670 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2973% | 2,341 |
| Cost of funding earning assets | 0.5703% | 1,827 |
| Net interest margin | 3.7269% | 2,686 |
| Noninterest income to average assets | 0.8438% | 1,429 |
| Noninterest expense to average assets | 3.2812% | 1,413 |
| Loan and lease loss provision to assets | 0.3613% | 427 |
| Net operating income to assets | 0.3375% | 4,858 |
| Return on assets (ROA) | 0.3791% | 4,767 |
| Pretax return on assets | 0.8632% | 4,037 |
| Return on Equity (ROE) | 4.2436% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.2436% | 2,614 |
| Net charge-offs to loans | 1.3758% | 118 |
| Credit loss provision to net charge-offs | 34.5879% | 3,493 |
| Earnings coverage of net charge-offs (x) | 1.1099% | 3,927 |
| Efficiency ratio | 73.8141% | 1,922 |
| Assets per employee ($millions) | 5.5764% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 2,924 |
| Loan loss allowance to noncurrent loans | 387.1703% | 1,364 |
| Noncurrent assets plus other real estate owned to assets | 0.2325% | 3,977 |
| Noncurrent loans to loans | 0.3032% | 3,695 |
| Net loans and leases to total assets | 75.7626% | 1,642 |
| Net loans and leases to deposits | 88.9422% | 1,900 |
| Net loans and leases to core deposits | 116.6160% | 702 |
| Total domestic deposits to total assets | 77.4583% | 4,798 |
| Equity capital to assets | 8.6141% | 5,022 |
| Core capital (leverage) ratio | 8.9344% | 4,723 |
| Tier 1 risk-based capital ratio | 11.2828% | 4,997 |
| Total risk-based capital ratio | 12.5333% | 4,867 |
| Memoranda: | ||
| Average total assets | $1,017,350,800 | 727 |
| Average earning assets | $981,857,800 | 693 |
| Average equity | $90,890,000 | 898 |
| Average total loans | $772,468,000 | 680 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2656% | 2,383 |
| Cost of funding earning assets | 0.5661% | 1,767 |
| Net interest margin | 3.6995% | 2,768 |
| Noninterest income to average assets | 0.7980% | 1,604 |
| Noninterest expense to average assets | 3.4088% | 1,142 |
| Loan and lease loss provision to assets | 0.3754% | 384 |
| Net operating income to assets | 0.3628% | 5,073 |
| Return on assets (ROA) | 0.4192% | 4,987 |
| Pretax return on assets | 0.6761% | 4,668 |
| Return on Equity (ROE) | 4.6470% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.6470% | 3,117 |
| Net charge-offs to loans | 1.8629% | 80 |
| Credit loss provision to net charge-offs | 26.6095% | 3,105 |
| Earnings coverage of net charge-offs (x) | 0.6829% | 3,644 |
| Efficiency ratio | 77.8612% | 1,346 |
| Assets per employee ($millions) | 5.4887% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,364 |
| Loan loss allowance to noncurrent loans | 91.7600% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.2040% | 1,367 |
| Noncurrent loans to loans | 1.2235% | 1,554 |
| Net loans and leases to total assets | 75.5638% | 1,672 |
| Net loans and leases to deposits | 84.6326% | 2,479 |
| Net loans and leases to core deposits | 109.1742% | 1,081 |
| Total domestic deposits to total assets | 81.8503% | 3,820 |
| Equity capital to assets | 8.9931% | 4,922 |
| Core capital (leverage) ratio | 8.8913% | 4,874 |
| Tier 1 risk-based capital ratio | 11.5289% | 4,948 |
| Total risk-based capital ratio | 12.7552% | 4,851 |
| Memoranda: | ||
| Average total assets | $1,002,629,000 | 737 |
| Average earning assets | $968,676,250 | 705 |
| Average equity | $90,435,500 | 907 |
| Average total loans | $759,316,750 | 692 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 2,407 |
| Cost of funding earning assets | 0.5569% | 1,732 |
| Net interest margin | 3.6619% | 2,786 |
| Noninterest income to average assets | 0.7610% | 1,721 |
| Noninterest expense to average assets | 3.4798% | 1,042 |
| Loan and lease loss provision to assets | 0.3912% | 349 |
| Net operating income to assets | 0.2693% | 5,289 |
| Return on assets (ROA) | 0.3026% | 5,232 |
| Pretax return on assets | 0.4881% | 5,022 |
| Return on Equity (ROE) | 3.3509% | 5,021 |
| Retained earnings to average equity (ytd only) | 3.3509% | 3,721 |
| Net charge-offs to loans | 2.8304% | 49 |
| Credit loss provision to net charge-offs | 18.3069% | 2,799 |
| Earnings coverage of net charge-offs (x) | 0.3872% | 3,381 |
| Efficiency ratio | 80.6379% | 1,142 |
| Assets per employee ($millions) | 5.3965% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,810 |
| Loan loss allowance to noncurrent loans | 299.2868% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.5334% | 2,991 |
| Noncurrent loans to loans | 0.3533% | 3,766 |
| Net loans and leases to total assets | 73.1581% | 2,012 |
| Net loans and leases to deposits | 82.0548% | 2,696 |
| Net loans and leases to core deposits | 107.8802% | 1,112 |
| Total domestic deposits to total assets | 81.1371% | 4,147 |
| Equity capital to assets | 8.9229% | 4,965 |
| Core capital (leverage) ratio | 9.0749% | 4,640 |
| Tier 1 risk-based capital ratio | 11.8428% | 4,734 |
| Total risk-based capital ratio | 13.0263% | 4,669 |
| Memoranda: | ||
| Average total assets | $992,881,670 | 748 |
| Average earning assets | $961,476,000 | 713 |
| Average equity | $89,648,330 | 915 |
| Average total loans | $749,564,330 | 705 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2085% | 2,248 |
| Cost of funding earning assets | 0.5420% | 1,768 |
| Net interest margin | 3.6665% | 2,622 |
| Noninterest income to average assets | 0.7499% | 1,745 |
| Noninterest expense to average assets | 3.5922% | 904 |
| Loan and lease loss provision to assets | 0.2087% | 783 |
| Net operating income to assets | 0.3231% | 5,139 |
| Return on assets (ROA) | 0.3231% | 5,167 |
| Pretax return on assets | 0.5212% | 4,925 |
| Return on Equity (ROE) | 3.5563% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.5563% | 3,667 |
| Net charge-offs to loans | 5.0621% | 21 |
| Credit loss provision to net charge-offs | 5.4034% | 2,253 |
| Earnings coverage of net charge-offs (x) | 0.1890% | 2,839 |
| Efficiency ratio | 82.8955% | 1,078 |
| Assets per employee ($millions) | 5.2832% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 4,068 |
| Loan loss allowance to noncurrent loans | 194.2186% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 2,575 |
| Noncurrent loans to loans | 0.5323% | 3,214 |
| Net loans and leases to total assets | 74.9409% | 1,591 |
| Net loans and leases to deposits | 85.1710% | 2,135 |
| Net loans and leases to core deposits | 108.2165% | 961 |
| Total domestic deposits to total assets | 82.0291% | 4,161 |
| Equity capital to assets | 9.1149% | 4,697 |
| Core capital (leverage) ratio | 9.0358% | 4,692 |
| Tier 1 risk-based capital ratio | 11.5951% | 4,976 |
| Total risk-based capital ratio | 12.7507% | 4,931 |
| Memoranda: | ||
| Average total assets | $979,356,500 | 769 |
| Average earning assets | $954,165,000 | 721 |
| Average equity | $88,968,500 | 919 |
| Average total loans | $747,278,500 | 708 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1720% | 2,575 |
| Cost of funding earning assets | 0.4839% | 2,219 |
| Net interest margin | 3.6881% | 2,750 |
| Noninterest income to average assets | 0.8042% | 1,735 |
| Noninterest expense to average assets | 3.5723% | 1,050 |
| Loan and lease loss provision to assets | 0.9370% | 115 |
| Net operating income to assets | -0.0718% | 5,675 |
| Return on assets (ROA) | 0.0121% | 5,658 |
| Pretax return on assets | 0.0196% | 5,645 |
| Return on Equity (ROE) | 0.1293% | 5,655 |
| Retained earnings to average equity (ytd only) | 0.1293% | 5,263 |
| Net charge-offs to loans | 0.0538% | 2,961 |
| Credit loss provision to net charge-offs | 2,339.0181% | 183 |
| Earnings coverage of net charge-offs (x) | 20.6047% | 1,847 |
| Efficiency ratio | 81.0098% | 1,305 |
| Assets per employee ($millions) | 5.1102% | 2,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2148% | 455 |
| Loan loss allowance to noncurrent loans | 123.7695% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 1.6603% | 943 |
| Noncurrent loans to loans | 1.7895% | 1,063 |
| Net loans and leases to total assets | 75.1824% | 1,660 |
| Net loans and leases to deposits | 87.3752% | 2,005 |
| Net loans and leases to core deposits | 110.9567% | 833 |
| Total domestic deposits to total assets | 80.7565% | 4,403 |
| Equity capital to assets | 9.0220% | 4,792 |
| Core capital (leverage) ratio | 9.2729% | 4,378 |
| Tier 1 risk-based capital ratio | 11.4456% | 5,087 |
| Total risk-based capital ratio | 12.7083% | 4,984 |
| Memoranda: | ||
| Average total assets | $966,081,000 | 747 |
| Average earning assets | $941,297,800 | 701 |
| Average equity | $90,510,600 | 884 |
| Average total loans | $719,001,200 | 705 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1756% | 2,590 |
| Cost of funding earning assets | 0.4774% | 2,292 |
| Net interest margin | 3.6983% | 2,726 |
| Noninterest income to average assets | 0.7859% | 1,821 |
| Noninterest expense to average assets | 3.7524% | 788 |
| Loan and lease loss provision to assets | -0.1078% | 5,801 |
| Net operating income to assets | 0.4665% | 4,817 |
| Return on assets (ROA) | 0.5741% | 4,507 |
| Pretax return on assets | 0.9124% | 3,938 |
| Return on Equity (ROE) | 6.0707% | 4,040 |
| Retained earnings to average equity (ytd only) | 6.0707% | 2,146 |
| Net charge-offs to loans | 0.0007% | 3,931 |
| Credit loss provision to net charge-offs | -19,475.0000% | 5,468 |
| Earnings coverage of net charge-offs (x) | 1,150.6904% | 61 |
| Efficiency ratio | 85.2770% | 876 |
| Assets per employee ($millions) | 5.0518% | 2,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 4,527 |
| Loan loss allowance to noncurrent loans | 110.6449% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 2,166 |
| Noncurrent loans to loans | 0.8837% | 2,493 |
| Net loans and leases to total assets | 74.8878% | 1,725 |
| Net loans and leases to deposits | 86.9373% | 2,148 |
| Net loans and leases to core deposits | 107.9603% | 1,056 |
| Total domestic deposits to total assets | 81.1961% | 4,199 |
| Equity capital to assets | 9.7591% | 4,410 |
| Core capital (leverage) ratio | 9.8395% | 3,767 |
| Tier 1 risk-based capital ratio | 12.3313% | 4,586 |
| Total risk-based capital ratio | 13.4246% | 4,584 |
| Memoranda: | ||
| Average total assets | $963,587,000 | 752 |
| Average earning assets | $938,761,000 | 702 |
| Average equity | $91,123,250 | 886 |
| Average total loans | $711,140,500 | 709 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 2,667 |
| Cost of funding earning assets | 0.4677% | 2,396 |
| Net interest margin | 3.6838% | 2,761 |
| Noninterest income to average assets | 0.7229% | 2,038 |
| Noninterest expense to average assets | 3.8171% | 753 |
| Loan and lease loss provision to assets | -0.1003% | 5,877 |
| Net operating income to assets | 0.3768% | 5,101 |
| Return on assets (ROA) | 0.4506% | 4,958 |
| Pretax return on assets | 0.7058% | 4,601 |
| Return on Equity (ROE) | 4.8163% | 4,594 |
| Retained earnings to average equity (ytd only) | 4.8163% | 2,858 |
| Net charge-offs to loans | -0.0014% | 4,341 |
| Credit loss provision to net charge-offs | 9,640.0000% | 33 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3904% | 693 |
| Assets per employee ($millions) | 5.0357% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,342 |
| Loan loss allowance to noncurrent loans | 98.8630% | 3,730 |
| Noncurrent assets plus other real estate owned to assets | 1.0496% | 2,027 |
| Noncurrent loans to loans | 1.0427% | 2,196 |
| Net loans and leases to total assets | 72.7403% | 2,048 |
| Net loans and leases to deposits | 86.9360% | 2,140 |
| Net loans and leases to core deposits | 108.5835% | 1,006 |
| Total domestic deposits to total assets | 78.6121% | 4,871 |
| Equity capital to assets | 9.3836% | 4,881 |
| Core capital (leverage) ratio | 9.5513% | 4,135 |
| Tier 1 risk-based capital ratio | 12.2201% | 4,688 |
| Total risk-based capital ratio | 13.3456% | 4,687 |
| Memoranda: | ||
| Average total assets | $961,468,670 | 756 |
| Average earning assets | $935,559,000 | 706 |
| Average equity | $89,945,000 | 894 |
| Average total loans | $703,674,000 | 712 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2482% | 2,311 |
| Cost of funding earning assets | 0.4587% | 2,480 |
| Net interest margin | 3.7895% | 2,326 |
| Noninterest income to average assets | 0.6485% | 2,275 |
| Noninterest expense to average assets | 3.9165% | 672 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2507% | 5,437 |
| Return on assets (ROA) | 0.2842% | 5,423 |
| Pretax return on assets | 0.4663% | 5,168 |
| Return on Equity (ROE) | 3.0426% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.0426% | 3,989 |
| Net charge-offs to loans | -0.0012% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2152% | 663 |
| Assets per employee ($millions) | 4.4411% | 3,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1534% | 3,749 |
| Loan loss allowance to noncurrent loans | 101.5958% | 3,605 |
| Noncurrent assets plus other real estate owned to assets | 1.1132% | 1,987 |
| Noncurrent loans to loans | 1.1353% | 2,129 |
| Net loans and leases to total assets | 71.4278% | 2,126 |
| Net loans and leases to deposits | 85.5786% | 2,109 |
| Net loans and leases to core deposits | 105.1603% | 1,130 |
| Total domestic deposits to total assets | 78.9435% | 4,977 |
| Equity capital to assets | 9.4124% | 4,758 |
| Core capital (leverage) ratio | 9.2727% | 4,520 |
| Tier 1 risk-based capital ratio | 12.1900% | 4,783 |
| Total risk-based capital ratio | 13.3374% | 4,769 |
| Memoranda: | ||
| Average total assets | $948,701,500 | 763 |
| Average earning assets | $921,811,500 | 717 |
| Average equity | $88,609,500 | 901 |
| Average total loans | $692,797,500 | 726 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 2,808 |
| Cost of funding earning assets | 0.4006% | 3,152 |
| Net interest margin | 3.7298% | 2,643 |
| Noninterest income to average assets | 0.6805% | 2,289 |
| Noninterest expense to average assets | 3.7896% | 877 |
| Loan and lease loss provision to assets | 0.0897% | 2,506 |
| Net operating income to assets | 0.2755% | 5,425 |
| Return on assets (ROA) | 0.2988% | 5,444 |
| Pretax return on assets | 0.4713% | 5,171 |
| Return on Equity (ROE) | 3.2007% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.2007% | 3,778 |
| Net charge-offs to loans | 0.0178% | 3,927 |
| Credit loss provision to net charge-offs | 692.5000% | 485 |
| Earnings coverage of net charge-offs (x) | 40.5083% | 1,170 |
| Efficiency ratio | 87.6063% | 860 |
| Assets per employee ($millions) | 4.3437% | 3,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 3,791 |
| Loan loss allowance to noncurrent loans | 105.4613% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 2,008 |
| Noncurrent loans to loans | 1.0845% | 2,169 |
| Net loans and leases to total assets | 72.9563% | 1,899 |
| Net loans and leases to deposits | 84.1265% | 2,344 |
| Net loans and leases to core deposits | 102.5814% | 1,321 |
| Total domestic deposits to total assets | 82.3535% | 4,072 |
| Equity capital to assets | 9.2668% | 4,824 |
| Core capital (leverage) ratio | 9.6813% | 3,932 |
| Tier 1 risk-based capital ratio | 12.1145% | 4,882 |
| Total risk-based capital ratio | 13.2550% | 4,845 |
| Memoranda: | ||
| Average total assets | $926,713,800 | 743 |
| Average earning assets | $902,834,000 | 696 |
| Average equity | $86,513,600 | 881 |
| Average total loans | $672,829,800 | 699 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0916% | 2,978 |
| Cost of funding earning assets | 0.3915% | 3,307 |
| Net interest margin | 3.7001% | 2,769 |
| Noninterest income to average assets | 0.6665% | 2,403 |
| Noninterest expense to average assets | 3.8660% | 773 |
| Loan and lease loss provision to assets | 0.0659% | 2,866 |
| Net operating income to assets | 0.2147% | 5,652 |
| Return on assets (ROA) | 0.2451% | 5,660 |
| Pretax return on assets | 0.3870% | 5,486 |
| Return on Equity (ROE) | 2.6201% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.6201% | 4,543 |
| Net charge-offs to loans | -0.0042% | 4,805 |
| Credit loss provision to net charge-offs | -2,171.4286% | 5,606 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2713% | 685 |
| Assets per employee ($millions) | 4.3484% | 3,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1170% | 4,131 |
| Loan loss allowance to noncurrent loans | 175.7796% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 2,957 |
| Noncurrent loans to loans | 0.6354% | 3,415 |
| Net loans and leases to total assets | 73.1216% | 1,886 |
| Net loans and leases to deposits | 87.3409% | 1,987 |
| Net loans and leases to core deposits | 106.6305% | 1,056 |
| Total domestic deposits to total assets | 79.3165% | 4,906 |
| Equity capital to assets | 9.3146% | 4,988 |
| Core capital (leverage) ratio | 9.8206% | 3,877 |
| Tier 1 risk-based capital ratio | 12.1572% | 4,991 |
| Total risk-based capital ratio | 13.2779% | 4,981 |
| Memoranda: | ||
| Average total assets | $922,748,250 | 755 |
| Average earning assets | $899,013,250 | 703 |
| Average equity | $86,305,250 | 890 |
| Average total loans | $667,131,000 | 708 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 3,129 |
| Cost of funding earning assets | 0.3847% | 3,429 |
| Net interest margin | 3.6541% | 2,896 |
| Noninterest income to average assets | 0.6292% | 2,584 |
| Noninterest expense to average assets | 3.8566% | 807 |
| Loan and lease loss provision to assets | 0.1380% | 1,586 |
| Net operating income to assets | 0.1137% | 5,858 |
| Return on assets (ROA) | 0.1594% | 5,840 |
| Pretax return on assets | 0.2649% | 5,716 |
| Return on Equity (ROE) | 1.7014% | 5,757 |
| Retained earnings to average equity (ytd only) | 1.7014% | 4,848 |
| Net charge-offs to loans | 0.0719% | 2,360 |
| Credit loss provision to net charge-offs | 267.5105% | 999 |
| Earnings coverage of net charge-offs (x) | 6.4262% | 2,785 |
| Efficiency ratio | 91.8391% | 651 |
| Assets per employee ($millions) | 4.4030% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1235% | 4,208 |
| Loan loss allowance to noncurrent loans | 299.8823% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.5730% | 3,693 |
| Noncurrent loans to loans | 0.3747% | 4,367 |
| Net loans and leases to total assets | 71.3652% | 2,097 |
| Net loans and leases to deposits | 84.8741% | 2,203 |
| Net loans and leases to core deposits | 105.1188% | 1,119 |
| Total domestic deposits to total assets | 79.6150% | 4,952 |
| Equity capital to assets | 9.0832% | 5,162 |
| Core capital (leverage) ratio | 10.0169% | 3,569 |
| Tier 1 risk-based capital ratio | 12.3845% | 4,890 |
| Total risk-based capital ratio | 13.5110% | 4,862 |
| Memoranda: | ||
| Average total assets | $918,695,000 | 763 |
| Average earning assets | $894,782,670 | 712 |
| Average equity | $86,046,000 | 894 |
| Average total loans | $659,060,670 | 713 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0663% | 2,966 |
| Cost of funding earning assets | 0.3845% | 3,472 |
| Net interest margin | 3.6818% | 2,691 |
| Noninterest income to average assets | 0.6695% | 2,309 |
| Noninterest expense to average assets | 3.8570% | 820 |
| Loan and lease loss provision to assets | 0.1420% | 1,440 |
| Net operating income to assets | 0.1588% | 5,772 |
| Return on assets (ROA) | 0.1972% | 5,778 |
| Pretax return on assets | 0.3202% | 5,606 |
| Return on Equity (ROE) | 2.0724% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.0724% | 4,639 |
| Net charge-offs to loans | 0.1462% | 1,368 |
| Credit loss provision to net charge-offs | 135.8650% | 1,338 |
| Earnings coverage of net charge-offs (x) | 3.8481% | 2,559 |
| Efficiency ratio | 90.3179% | 829 |
| Assets per employee ($millions) | 4.1752% | 3,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1340% | 4,351 |
| Loan loss allowance to noncurrent loans | 287.0740% | 1,665 |
| Noncurrent assets plus other real estate owned to assets | 0.6048% | 3,667 |
| Noncurrent loans to loans | 0.3950% | 4,408 |
| Net loans and leases to total assets | 71.5116% | 1,891 |
| Net loans and leases to deposits | 85.3062% | 1,921 |
| Net loans and leases to core deposits | 107.4245% | 850 |
| Total domestic deposits to total assets | 80.0201% | 5,047 |
| Equity capital to assets | 9.7114% | 4,490 |
| Core capital (leverage) ratio | 9.8190% | 3,862 |
| Tier 1 risk-based capital ratio | 13.1539% | 4,528 |
| Total risk-based capital ratio | 14.3052% | 4,488 |
| Memoranda: | ||
| Average total assets | $906,916,500 | 774 |
| Average earning assets | $884,250,500 | 722 |
| Average equity | $86,275,500 | 891 |
| Average total loans | $648,550,500 | 720 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4951% | 1,888 |
| Cost of funding earning assets | 0.4054% | 3,636 |
| Net interest margin | 4.0897% | 1,610 |
| Noninterest income to average assets | 0.7489% | 2,079 |
| Noninterest expense to average assets | 4.3282% | 532 |
| Loan and lease loss provision to assets | -0.0052% | 5,899 |
| Net operating income to assets | 0.2325% | 5,700 |
| Return on assets (ROA) | 0.2433% | 5,730 |
| Pretax return on assets | 0.4145% | 5,445 |
| Return on Equity (ROE) | 2.5623% | 5,614 |
| Retained earnings to average equity (ytd only) | 2.5623% | 4,415 |
| Net charge-offs to loans | -0.0395% | 5,858 |
| Credit loss provision to net charge-offs | 19.5652% | 3,977 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4583% | 742 |
| Assets per employee ($millions) | 4.4901% | 3,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0931% | 4,568 |
| Loan loss allowance to noncurrent loans | 393.9092% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.5059% | 4,117 |
| Noncurrent loans to loans | 0.2775% | 4,861 |
| Net loans and leases to total assets | 69.9324% | 2,247 |
| Net loans and leases to deposits | 82.9017% | 2,351 |
| Net loans and leases to core deposits | 105.3018% | 1,056 |
| Total domestic deposits to total assets | 80.3393% | 4,928 |
| Equity capital to assets | 9.3099% | 4,944 |
| Core capital (leverage) ratio | 9.8074% | 3,826 |
| Tier 1 risk-based capital ratio | 13.0809% | 4,670 |
| Total risk-based capital ratio | 14.2110% | 4,663 |
| Memoranda: | ||
| Average total assets | $860,103,400 | 782 |
| Average earning assets | $835,259,400 | 733 |
| Average equity | $81,684,600 | 895 |
| Average total loans | $582,722,400 | 758 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 1,510 |
| Cost of funding earning assets | 0.4109% | 3,673 |
| Net interest margin | 4.2112% | 1,252 |
| Noninterest income to average assets | 0.7350% | 2,156 |
| Noninterest expense to average assets | 4.5684% | 428 |
| Loan and lease loss provision to assets | 0.1398% | 1,785 |
| Net operating income to assets | 0.0563% | 6,077 |
| Return on assets (ROA) | 0.0697% | 6,091 |
| Pretax return on assets | 0.1327% | 6,026 |
| Return on Equity (ROE) | 0.7304% | 6,071 |
| Retained earnings to average equity (ytd only) | 0.7304% | 5,584 |
| Net charge-offs to loans | 0.0559% | 3,418 |
| Credit loss provision to net charge-offs | 373.8397% | 757 |
| Earnings coverage of net charge-offs (x) | 6.7258% | 3,037 |
| Efficiency ratio | 94.5527% | 567 |
| Assets per employee ($millions) | 4.2151% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 3,719 |
| Loan loss allowance to noncurrent loans | 129.1191% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9582% | 3,050 |
| Noncurrent loans to loans | 0.9957% | 3,083 |
| Net loans and leases to total assets | 65.7364% | 2,913 |
| Net loans and leases to deposits | 74.0735% | 3,426 |
| Net loans and leases to core deposits | 93.9612% | 1,867 |
| Total domestic deposits to total assets | 84.7773% | 3,430 |
| Equity capital to assets | 9.3503% | 4,975 |
| Core capital (leverage) ratio | 9.7277% | 4,032 |
| Tier 1 risk-based capital ratio | 13.6285% | 4,458 |
| Total risk-based capital ratio | 14.8793% | 4,396 |
| Memoranda: | ||
| Average total assets | $845,009,250 | 802 |
| Average earning assets | $819,666,750 | 750 |
| Average equity | $80,681,750 | 908 |
| Average total loans | $565,696,000 | 782 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7481% | 1,184 |
| Cost of funding earning assets | 0.4172% | 3,690 |
| Net interest margin | 4.3309% | 968 |
| Noninterest income to average assets | 0.6621% | 2,476 |
| Noninterest expense to average assets | 4.6276% | 406 |
| Loan and lease loss provision to assets | 0.1539% | 1,606 |
| Net operating income to assets | 0.0378% | 6,149 |
| Return on assets (ROA) | 0.0568% | 6,147 |
| Pretax return on assets | 0.1063% | 6,086 |
| Return on Equity (ROE) | 0.5901% | 6,129 |
| Retained earnings to average equity (ytd only) | 0.5901% | 5,499 |
| Net charge-offs to loans | -0.0043% | 5,152 |
| Credit loss provision to net charge-offs | -5,333.3333% | 5,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0200% | 599 |
| Assets per employee ($millions) | 3.9637% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 3,947 |
| Loan loss allowance to noncurrent loans | 90.0024% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 2,565 |
| Noncurrent loans to loans | 1.4252% | 2,421 |
| Net loans and leases to total assets | 67.5139% | 2,498 |
| Net loans and leases to deposits | 76.5794% | 2,979 |
| Net loans and leases to core deposits | 95.7856% | 1,622 |
| Total domestic deposits to total assets | 84.3960% | 3,779 |
| Equity capital to assets | 9.5399% | 4,704 |
| Core capital (leverage) ratio | 10.0551% | 3,532 |
| Tier 1 risk-based capital ratio | 13.4775% | 4,598 |
| Total risk-based capital ratio | 14.7283% | 4,537 |
| Memoranda: | ||
| Average total assets | $831,621,670 | 817 |
| Average earning assets | $805,754,000 | 760 |
| Average equity | $79,987,000 | 913 |
| Average total loans | $557,775,330 | 786 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7514% | 1,145 |
| Cost of funding earning assets | 0.4180% | 3,784 |
| Net interest margin | 4.3334% | 935 |
| Noninterest income to average assets | 0.6878% | 2,238 |
| Noninterest expense to average assets | 4.7486% | 369 |
| Loan and lease loss provision to assets | -0.0088% | 6,395 |
| Net operating income to assets | 0.0848% | 6,063 |
| Return on assets (ROA) | 0.1143% | 6,031 |
| Pretax return on assets | 0.1845% | 5,941 |
| Return on Equity (ROE) | 1.1833% | 5,993 |
| Retained earnings to average equity (ytd only) | 1.1833% | 5,130 |
| Net charge-offs to loans | -0.0185% | 5,316 |
| Credit loss provision to net charge-offs | 72.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1138% | 588 |
| Assets per employee ($millions) | 3.8598% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 4,230 |
| Loan loss allowance to noncurrent loans | 113.0010% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.0795% | 3,095 |
| Noncurrent loans to loans | 1.1318% | 3,157 |
| Net loans and leases to total assets | 66.0536% | 2,554 |
| Net loans and leases to deposits | 75.0725% | 2,933 |
| Net loans and leases to core deposits | 92.2390% | 1,711 |
| Total domestic deposits to total assets | 84.7898% | 3,957 |
| Equity capital to assets | 9.8843% | 3,975 |
| Core capital (leverage) ratio | 9.8526% | 3,784 |
| Tier 1 risk-based capital ratio | 14.0642% | 4,286 |
| Total risk-based capital ratio | 15.3063% | 4,233 |
| Memoranda: | ||
| Average total assets | $815,394,500 | 841 |
| Average earning assets | $788,479,500 | 785 |
| Average equity | $78,764,500 | 928 |
| Average total loans | $541,187,500 | 814 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5146% | 2,150 |
| Cost of funding earning assets | 0.4202% | 4,432 |
| Net interest margin | 4.0945% | 1,661 |
| Noninterest income to average assets | 0.8507% | 1,865 |
| Noninterest expense to average assets | 4.1352% | 747 |
| Loan and lease loss provision to assets | 0.2088% | 1,770 |
| Net operating income to assets | 0.2749% | 5,606 |
| Return on assets (ROA) | 0.3306% | 5,519 |
| Pretax return on assets | 0.5645% | 4,995 |
| Return on Equity (ROE) | 3.6799% | 5,246 |
| Retained earnings to average equity (ytd only) | 3.6799% | 3,601 |
| Net charge-offs to loans | 0.0972% | 3,870 |
| Credit loss provision to net charge-offs | 341.7012% | 666 |
| Earnings coverage of net charge-offs (x) | 11.2303% | 2,258 |
| Efficiency ratio | 85.5197% | 1,466 |
| Assets per employee ($millions) | 3.9246% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 4,219 |
| Loan loss allowance to noncurrent loans | 76.7926% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.4186% | 2,620 |
| Noncurrent loans to loans | 1.6708% | 2,403 |
| Net loans and leases to total assets | 64.9947% | 2,870 |
| Net loans and leases to deposits | 74.5341% | 3,189 |
| Net loans and leases to core deposits | 95.2816% | 1,506 |
| Total domestic deposits to total assets | 83.9410% | 4,189 |
| Equity capital to assets | 9.4377% | 4,510 |
| Core capital (leverage) ratio | 9.7511% | 3,907 |
| Tier 1 risk-based capital ratio | 13.6835% | 4,528 |
| Total risk-based capital ratio | 14.9269% | 4,483 |
| Memoranda: | ||
| Average total assets | $788,780,400 | 844 |
| Average earning assets | $764,954,400 | 783 |
| Average equity | $70,871,000 | 1,004 |
| Average total loans | $495,925,200 | 858 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 2,586 |
| Cost of funding earning assets | 0.4205% | 4,606 |
| Net interest margin | 3.9830% | 2,001 |
| Noninterest income to average assets | 0.6850% | 2,703 |
| Noninterest expense to average assets | 4.1246% | 744 |
| Loan and lease loss provision to assets | 0.2134% | 1,707 |
| Net operating income to assets | 0.1302% | 6,078 |
| Return on assets (ROA) | 0.2052% | 5,985 |
| Pretax return on assets | 0.3311% | 5,797 |
| Return on Equity (ROE) | 2.3147% | 5,847 |
| Retained earnings to average equity (ytd only) | 2.3147% | 4,943 |
| Net charge-offs to loans | 0.0803% | 3,804 |
| Credit loss provision to net charge-offs | 428.0822% | 617 |
| Earnings coverage of net charge-offs (x) | 8.5686% | 2,606 |
| Efficiency ratio | 90.3526% | 962 |
| Assets per employee ($millions) | 4.1357% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 4,295 |
| Loan loss allowance to noncurrent loans | 86.3344% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 1.3093% | 3,032 |
| Noncurrent loans to loans | 1.5269% | 2,876 |
| Net loans and leases to total assets | 62.3952% | 3,287 |
| Net loans and leases to deposits | 70.5685% | 3,705 |
| Net loans and leases to core deposits | 91.0109% | 1,868 |
| Total domestic deposits to total assets | 85.3321% | 3,573 |
| Equity capital to assets | 9.5986% | 4,418 |
| Core capital (leverage) ratio | 9.8444% | 3,899 |
| Tier 1 risk-based capital ratio | 14.2116% | 4,279 |
| Total risk-based capital ratio | 15.4623% | 4,225 |
| Memoranda: | ||
| Average total assets | $780,917,000 | 864 |
| Average earning assets | $758,130,000 | 797 |
| Average equity | $69,236,000 | 1,039 |
| Average total loans | $484,897,000 | 876 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4125% | 2,517 |
| Cost of funding earning assets | 0.4156% | 4,801 |
| Net interest margin | 3.9969% | 1,865 |
| Noninterest income to average assets | 0.7385% | 2,462 |
| Noninterest expense to average assets | 4.1527% | 734 |
| Loan and lease loss provision to assets | 0.2846% | 1,279 |
| Net operating income to assets | 0.1086% | 6,115 |
| Return on assets (ROA) | 0.2193% | 5,971 |
| Pretax return on assets | 0.3584% | 5,732 |
| Return on Equity (ROE) | 2.5469% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.5469% | 4,676 |
| Net charge-offs to loans | 0.1288% | 3,090 |
| Credit loss provision to net charge-offs | 357.9805% | 728 |
| Earnings coverage of net charge-offs (x) | 5.9121% | 2,806 |
| Efficiency ratio | 89.5704% | 1,081 |
| Assets per employee ($millions) | 4.2213% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 4,450 |
| Loan loss allowance to noncurrent loans | 54.3705% | 5,020 |
| Noncurrent assets plus other real estate owned to assets | 1.8075% | 2,399 |
| Noncurrent loans to loans | 2.4117% | 1,945 |
| Net loans and leases to total assets | 63.8737% | 2,930 |
| Net loans and leases to deposits | 72.5245% | 3,376 |
| Net loans and leases to core deposits | 96.3880% | 1,318 |
| Total domestic deposits to total assets | 84.7888% | 3,999 |
| Equity capital to assets | 8.7755% | 5,469 |
| Core capital (leverage) ratio | 9.0024% | 4,982 |
| Tier 1 risk-based capital ratio | 12.7970% | 5,291 |
| Total risk-based capital ratio | 14.0390% | 5,231 |
| Memoranda: | ||
| Average total assets | $772,404,330 | 872 |
| Average earning assets | $750,641,000 | 808 |
| Average equity | $66,512,000 | 1,086 |
| Average total loans | $476,559,000 | 888 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2338% | 3,168 |
| Cost of funding earning assets | 0.4234% | 4,881 |
| Net interest margin | 3.8104% | 2,406 |
| Noninterest income to average assets | 0.8488% | 1,934 |
| Noninterest expense to average assets | 3.9085% | 989 |
| Loan and lease loss provision to assets | 0.4319% | 684 |
| Net operating income to assets | 0.1317% | 6,091 |
| Return on assets (ROA) | 0.2636% | 5,807 |
| Pretax return on assets | 0.4247% | 5,487 |
| Return on Equity (ROE) | 3.0908% | 5,553 |
| Retained earnings to average equity (ytd only) | 3.0908% | 4,427 |
| Net charge-offs to loans | 0.2650% | 1,900 |
| Credit loss provision to net charge-offs | 270.7792% | 867 |
| Earnings coverage of net charge-offs (x) | 4.0779% | 2,619 |
| Efficiency ratio | 85.4709% | 1,589 |
| Assets per employee ($millions) | 4.4816% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 4,758 |
| Loan loss allowance to noncurrent loans | 38.2860% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 2.4218% | 1,917 |
| Noncurrent loans to loans | 3.3690% | 1,436 |
| Net loans and leases to total assets | 62.0866% | 3,042 |
| Net loans and leases to deposits | 72.5774% | 3,112 |
| Net loans and leases to core deposits | 96.5844% | 1,169 |
| Total domestic deposits to total assets | 82.8874% | 4,893 |
| Equity capital to assets | 8.4364% | 6,071 |
| Core capital (leverage) ratio | 8.1754% | 5,956 |
| Tier 1 risk-based capital ratio | 12.1298% | 5,833 |
| Total risk-based capital ratio | 13.3692% | 5,789 |
| Memoranda: | ||
| Average total assets | $772,360,500 | 879 |
| Average earning assets | $752,038,000 | 817 |
| Average equity | $65,873,000 | 1,119 |
| Average total loans | $464,851,000 | 913 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0344% | 5,213 |
| Cost of funding earning assets | 0.4328% | 5,700 |
| Net interest margin | 3.6015% | 4,078 |
| Noninterest income to average assets | 1.1230% | 1,234 |
| Noninterest expense to average assets | 4.0328% | 943 |
| Loan and lease loss provision to assets | 0.3785% | 1,730 |
| Net operating income to assets | 0.1306% | 5,938 |
| Return on assets (ROA) | 0.4239% | 5,248 |
| Pretax return on assets | 0.6745% | 4,748 |
| Return on Equity (ROE) | 4.6740% | 4,848 |
| Retained earnings to average equity (ytd only) | 4.6740% | 2,926 |
| Net charge-offs to loans | 0.1713% | 4,006 |
| Credit loss provision to net charge-offs | 384.4800% | 633 |
| Earnings coverage of net charge-offs (x) | 6.0416% | 2,884 |
| Efficiency ratio | 86.9435% | 1,336 |
| Assets per employee ($millions) | 4.4994% | 2,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,618 |
| Loan loss allowance to noncurrent loans | 40.7567% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 2.6391% | 1,840 |
| Noncurrent loans to loans | 3.1988% | 1,618 |
| Net loans and leases to total assets | 56.7038% | 4,160 |
| Net loans and leases to deposits | 64.1771% | 4,508 |
| Net loans and leases to core deposits | 90.9008% | 1,732 |
| Total domestic deposits to total assets | 84.6066% | 4,037 |
| Equity capital to assets | 8.6219% | 5,942 |
| Core capital (leverage) ratio | 8.3277% | 5,854 |
| Tier 1 risk-based capital ratio | 13.2786% | 4,915 |
| Total risk-based capital ratio | 14.5238% | 4,864 |
| Memoranda: | ||
| Average total assets | $634,887,000 | 1,038 |
| Average earning assets | $617,792,400 | 974 |
| Average equity | $57,574,200 | 1,233 |
| Average total loans | $364,758,400 | 1,146 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0407% | 5,392 |
| Cost of funding earning assets | 0.4202% | 5,985 |
| Net interest margin | 3.6205% | 4,148 |
| Noninterest income to average assets | 1.3374% | 828 |
| Noninterest expense to average assets | 3.9957% | 935 |
| Loan and lease loss provision to assets | 0.2091% | 2,980 |
| Net operating income to assets | 0.4095% | 5,210 |
| Return on assets (ROA) | 0.5792% | 4,757 |
| Pretax return on assets | 0.9229% | 4,017 |
| Return on Equity (ROE) | 6.2881% | 4,180 |
| Retained earnings to average equity (ytd only) | 6.2881% | 2,494 |
| Net charge-offs to loans | 0.3902% | 2,534 |
| Credit loss provision to net charge-offs | 93.2740% | 3,202 |
| Earnings coverage of net charge-offs (x) | 3.8665% | 3,483 |
| Efficiency ratio | 82.0093% | 1,807 |
| Assets per employee ($millions) | 4.6698% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9718% | 6,183 |
| Loan loss allowance to noncurrent loans | 31.5900% | 6,059 |
| Noncurrent assets plus other real estate owned to assets | 2.3474% | 2,265 |
| Noncurrent loans to loans | 3.0763% | 1,808 |
| Net loans and leases to total assets | 54.4840% | 4,667 |
| Net loans and leases to deposits | 62.2198% | 4,947 |
| Net loans and leases to core deposits | 87.1137% | 2,332 |
| Total domestic deposits to total assets | 84.4007% | 4,034 |
| Equity capital to assets | 9.2458% | 5,543 |
| Core capital (leverage) ratio | 9.1112% | 4,895 |
| Tier 1 risk-based capital ratio | 15.0205% | 3,837 |
| Total risk-based capital ratio | 15.9708% | 3,999 |
| Memoranda: | ||
| Average total assets | $601,258,250 | 1,111 |
| Average earning assets | $585,424,250 | 1,036 |
| Average equity | $55,383,500 | 1,296 |
| Average total loans | $345,437,250 | 1,232 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 5,246 |
| Cost of funding earning assets | 0.4218% | 6,154 |
| Net interest margin | 3.6971% | 3,835 |
| Noninterest income to average assets | 1.6246% | 562 |
| Noninterest expense to average assets | 3.8920% | 1,086 |
| Loan and lease loss provision to assets | 0.2035% | 3,040 |
| Net operating income to assets | 0.7100% | 3,817 |
| Return on assets (ROA) | 0.8373% | 3,473 |
| Pretax return on assets | 1.3293% | 2,452 |
| Return on Equity (ROE) | 9.1045% | 2,769 |
| Retained earnings to average equity (ytd only) | 9.1045% | 1,237 |
| Net charge-offs to loans | 0.4311% | 2,315 |
| Credit loss provision to net charge-offs | 80.6543% | 3,303 |
| Earnings coverage of net charge-offs (x) | 5.2873% | 2,867 |
| Efficiency ratio | 74.4472% | 3,002 |
| Assets per employee ($millions) | 4.4488% | 3,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 6,016 |
| Loan loss allowance to noncurrent loans | 32.3831% | 6,046 |
| Noncurrent assets plus other real estate owned to assets | 2.4537% | 2,273 |
| Noncurrent loans to loans | 3.1989% | 1,817 |
| Net loans and leases to total assets | 55.1306% | 4,608 |
| Net loans and leases to deposits | 64.0020% | 4,765 |
| Net loans and leases to core deposits | 90.4315% | 1,941 |
| Total domestic deposits to total assets | 83.6344% | 4,470 |
| Equity capital to assets | 9.9418% | 4,433 |
| Core capital (leverage) ratio | 10.6899% | 2,611 |
| Tier 1 risk-based capital ratio | 17.3012% | 2,543 |
| Total risk-based capital ratio | 18.3678% | 2,582 |
| Memoranda: | ||
| Average total assets | $557,292,000 | 1,213 |
| Average earning assets | $542,860,670 | 1,126 |
| Average equity | $51,249,330 | 1,388 |
| Average total loans | $326,125,330 | 1,300 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1734% | 5,200 |
| Cost of funding earning assets | 0.4381% | 6,216 |
| Net interest margin | 3.7352% | 3,670 |
| Noninterest income to average assets | 0.7828% | 2,247 |
| Noninterest expense to average assets | 3.6386% | 1,483 |
| Loan and lease loss provision to assets | 0.1999% | 2,936 |
| Net operating income to assets | 0.3609% | 5,422 |
| Return on assets (ROA) | 0.5312% | 4,891 |
| Pretax return on assets | 0.8561% | 4,207 |
| Return on Equity (ROE) | 6.1050% | 4,236 |
| Retained earnings to average equity (ytd only) | 6.1050% | 2,894 |
| Net charge-offs to loans | -0.0923% | 6,759 |
| Credit loss provision to net charge-offs | -358.5714% | 5,714 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1615% | 1,916 |
| Assets per employee ($millions) | 4.7605% | 2,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3850% | 4,671 |
| Loan loss allowance to noncurrent loans | 186.2889% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 5,488 |
| Noncurrent loans to loans | 0.7435% | 5,181 |
| Net loans and leases to total assets | 59.6459% | 3,743 |
| Net loans and leases to deposits | 69.1244% | 3,855 |
| Net loans and leases to core deposits | 103.6868% | 784 |
| Total domestic deposits to total assets | 82.6389% | 5,065 |
| Equity capital to assets | 8.5716% | 6,018 |
| Core capital (leverage) ratio | 8.5320% | 5,540 |
| Tier 1 risk-based capital ratio | 14.0840% | 4,409 |
| Total risk-based capital ratio | 15.3362% | 4,377 |
| Memoranda: | ||
| Average total assets | $502,277,500 | 1,348 |
| Average earning assets | $490,250,000 | 1,259 |
| Average equity | $43,702,000 | 1,593 |
| Average total loans | $303,313,500 | 1,396 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2655% | 5,867 |
| Cost of funding earning assets | 0.5498% | 6,339 |
| Net interest margin | 3.7158% | 4,228 |
| Noninterest income to average assets | 0.6538% | 2,868 |
| Noninterest expense to average assets | 3.1783% | 2,942 |
| Loan and lease loss provision to assets | 0.4556% | 2,319 |
| Net operating income to assets | 0.7610% | 3,216 |
| Return on assets (ROA) | 0.8795% | 2,831 |
| Pretax return on assets | 0.7485% | 4,162 |
| Return on Equity (ROE) | 9.7114% | 2,154 |
| Retained earnings to average equity (ytd only) | 9.7114% | 620 |
| Net charge-offs to loans | 0.4586% | 3,151 |
| Credit loss provision to net charge-offs | 179.7630% | 1,450 |
| Earnings coverage of net charge-offs (x) | 4.2835% | 3,179 |
| Efficiency ratio | 74.5394% | 3,138 |
| Assets per employee ($millions) | 5.2172% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3482% | 4,674 |
| Loan loss allowance to noncurrent loans | 143.4845% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6790% | 5,285 |
| Noncurrent loans to loans | 0.9396% | 4,823 |
| Net loans and leases to total assets | 59.4743% | 4,090 |
| Net loans and leases to deposits | 68.5552% | 4,355 |
| Net loans and leases to core deposits | 95.5503% | 1,537 |
| Total domestic deposits to total assets | 83.7879% | 4,416 |
| Equity capital to assets | 8.8362% | 5,748 |
| Core capital (leverage) ratio | 9.1774% | 4,497 |
| Tier 1 risk-based capital ratio | 14.7275% | 3,813 |
| Total risk-based capital ratio | 15.9794% | 3,787 |
| Memoranda: | ||
| Average total assets | $432,846,200 | 1,508 |
| Average earning assets | $420,532,400 | 1,427 |
| Average equity | $39,201,200 | 1,722 |
| Average total loans | $239,213,800 | 1,750 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 5,834 |
| Cost of funding earning assets | 0.5832% | 6,364 |
| Net interest margin | 3.7504% | 4,106 |
| Noninterest income to average assets | 0.6876% | 2,681 |
| Noninterest expense to average assets | 3.3277% | 2,410 |
| Loan and lease loss provision to assets | 0.4123% | 2,401 |
| Net operating income to assets | 0.4626% | 4,711 |
| Return on assets (ROA) | 0.5448% | 4,528 |
| Pretax return on assets | 0.6984% | 4,483 |
| Return on Equity (ROE) | 5.9734% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.9734% | 2,574 |
| Net charge-offs to loans | 0.4028% | 3,108 |
| Credit loss provision to net charge-offs | 190.2941% | 1,526 |
| Earnings coverage of net charge-offs (x) | 4.6397% | 3,000 |
| Efficiency ratio | 76.7998% | 2,703 |
| Assets per employee ($millions) | 5.0591% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 4,170 |
| Loan loss allowance to noncurrent loans | 114.1238% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.0350% | 4,691 |
| Noncurrent loans to loans | 1.3028% | 4,362 |
| Net loans and leases to total assets | 55.4406% | 4,931 |
| Net loans and leases to deposits | 64.2190% | 5,139 |
| Net loans and leases to core deposits | 79.5909% | 3,698 |
| Total domestic deposits to total assets | 84.5345% | 3,991 |
| Equity capital to assets | 9.3884% | 5,252 |
| Core capital (leverage) ratio | 9.5183% | 4,122 |
| Tier 1 risk-based capital ratio | 15.7015% | 3,278 |
| Total risk-based capital ratio | 16.9542% | 3,238 |
| Memoranda: | ||
| Average total assets | $418,453,500 | 1,564 |
| Average earning assets | $406,735,750 | 1,483 |
| Average equity | $38,168,000 | 1,767 |
| Average total loans | $225,102,750 | 1,858 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 5,986 |
| Cost of funding earning assets | 0.6170% | 6,376 |
| Net interest margin | 3.6943% | 4,290 |
| Noninterest income to average assets | 0.5030% | 3,839 |
| Noninterest expense to average assets | 3.2817% | 2,628 |
| Loan and lease loss provision to assets | 0.4703% | 2,105 |
| Net operating income to assets | 0.3506% | 5,175 |
| Return on assets (ROA) | 0.4341% | 4,940 |
| Pretax return on assets | 0.4341% | 5,284 |
| Return on Equity (ROE) | 4.8108% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.8108% | 3,112 |
| Net charge-offs to loans | 0.3619% | 3,105 |
| Credit loss provision to net charge-offs | 245.6633% | 1,235 |
| Earnings coverage of net charge-offs (x) | 4.2883% | 2,908 |
| Efficiency ratio | 79.9905% | 2,390 |
| Assets per employee ($millions) | 5.3041% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,728 |
| Loan loss allowance to noncurrent loans | 103.6016% | 2,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4615% | 4,026 |
| Noncurrent loans to loans | 1.5356% | 4,108 |
| Net loans and leases to total assets | 53.0113% | 5,434 |
| Net loans and leases to deposits | 61.3474% | 5,572 |
| Net loans and leases to core deposits | 81.1899% | 3,625 |
| Total domestic deposits to total assets | 86.4116% | 3,092 |
| Equity capital to assets | 9.2077% | 5,272 |
| Core capital (leverage) ratio | 9.8744% | 3,420 |
| Tier 1 risk-based capital ratio | 15.9614% | 2,991 |
| Total risk-based capital ratio | 17.2144% | 2,960 |
| Memoranda: | ||
| Average total assets | $409,539,000 | 1,605 |
| Average earning assets | $399,052,330 | 1,519 |
| Average equity | $36,958,330 | 1,810 |
| Average total loans | $216,622,000 | 1,932 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2697% | 6,098 |
| Cost of funding earning assets | 0.6485% | 6,385 |
| Net interest margin | 3.6212% | 4,480 |
| Noninterest income to average assets | 0.2323% | 6,055 |
| Noninterest expense to average assets | 3.1961% | 2,909 |
| Loan and lease loss provision to assets | 0.3685% | 2,351 |
| Net operating income to assets | 0.2013% | 5,780 |
| Return on assets (ROA) | 0.2063% | 5,829 |
| Pretax return on assets | 0.2063% | 5,927 |
| Return on Equity (ROE) | 2.3108% | 5,682 |
| Retained earnings to average equity (ytd only) | 2.3108% | 4,766 |
| Net charge-offs to loans | 0.0401% | 4,551 |
| Credit loss provision to net charge-offs | 1,752.3810% | 225 |
| Earnings coverage of net charge-offs (x) | 27.0952% | 908 |
| Efficiency ratio | 84.8710% | 1,860 |
| Assets per employee ($millions) | 5.3631% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5948% | 3,750 |
| Loan loss allowance to noncurrent loans | 57.0251% | 4,596 |
| Noncurrent assets plus other real estate owned to assets | 2.2146% | 3,048 |
| Noncurrent loans to loans | 2.7967% | 2,702 |
| Net loans and leases to total assets | 53.7632% | 5,334 |
| Net loans and leases to deposits | 62.5627% | 5,434 |
| Net loans and leases to core deposits | 81.3802% | 3,544 |
| Total domestic deposits to total assets | 85.9349% | 3,555 |
| Equity capital to assets | 9.0861% | 5,074 |
| Core capital (leverage) ratio | 9.9235% | 3,240 |
| Tier 1 risk-based capital ratio | 16.7633% | 2,564 |
| Total risk-based capital ratio | 18.0166% | 2,528 |
| Memoranda: | ||
| Average total assets | $399,493,000 | 1,656 |
| Average earning assets | $389,816,000 | 1,555 |
| Average equity | $35,658,000 | 1,860 |
| Average total loans | $209,215,500 | 2,020 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 6,055 |
| Cost of funding earning assets | 1.1192% | 5,030 |
| Net interest margin | 3.5009% | 5,248 |
| Noninterest income to average assets | 0.1594% | 6,581 |
| Noninterest expense to average assets | 3.0955% | 3,476 |
| Loan and lease loss provision to assets | 0.2093% | 5,157 |
| Net operating income to assets | 0.2421% | 5,128 |
| Return on assets (ROA) | 0.6566% | 3,551 |
| Pretax return on assets | 0.6595% | 4,129 |
| Return on Equity (ROE) | 6.5327% | 3,327 |
| Retained earnings to average equity (ytd only) | 6.5327% | 1,537 |
| Net charge-offs to loans | 0.3838% | 4,118 |
| Credit loss provision to net charge-offs | 99.0854% | 4,669 |
| Earnings coverage of net charge-offs (x) | 2.1509% | 4,105 |
| Efficiency ratio | 87.2007% | 1,551 |
| Assets per employee ($millions) | 6.0927% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 3,808 |
| Loan loss allowance to noncurrent loans | 128.3416% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 1.2805% | 4,472 |
| Noncurrent loans to loans | 1.2024% | 4,719 |
| Net loans and leases to total assets | 49.3619% | 6,232 |
| Net loans and leases to deposits | 57.0481% | 6,345 |
| Net loans and leases to core deposits | 74.7624% | 4,881 |
| Total domestic deposits to total assets | 86.5268% | 3,064 |
| Equity capital to assets | 8.7676% | 5,486 |
| Core capital (leverage) ratio | 10.5899% | 2,469 |
| Tier 1 risk-based capital ratio | 17.1693% | 2,287 |
| Total risk-based capital ratio | 18.4208% | 2,244 |
| Memoranda: | ||
| Average total assets | $310,551,400 | 2,087 |
| Average earning assets | $300,753,000 | 1,973 |
| Average equity | $31,212,400 | 2,101 |
| Average total loans | $170,916,000 | 2,456 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8629% | 5,426 |
| Cost of funding earning assets | 1.2762% | 4,397 |
| Net interest margin | 3.5867% | 4,939 |
| Noninterest income to average assets | 0.1279% | 6,916 |
| Noninterest expense to average assets | 3.2315% | 2,815 |
| Loan and lease loss provision to assets | 0.2160% | 4,904 |
| Net operating income to assets | 0.1434% | 5,655 |
| Return on assets (ROA) | 0.6665% | 3,728 |
| Pretax return on assets | 0.6725% | 4,335 |
| Return on Equity (ROE) | 6.3483% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.3483% | 2,177 |
| Net charge-offs to loans | -0.0016% | 7,173 |
| Credit loss provision to net charge-offs | -23,300.0000% | 7,216 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9729% | 1,294 |
| Assets per employee ($millions) | 6.0819% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 2,144 |
| Loan loss allowance to noncurrent loans | 114.7200% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.8909% | 3,621 |
| Noncurrent loans to loans | 1.7711% | 3,989 |
| Net loans and leases to total assets | 50.7528% | 6,242 |
| Net loans and leases to deposits | 61.2467% | 6,191 |
| Net loans and leases to core deposits | 76.5666% | 4,985 |
| Total domestic deposits to total assets | 82.8662% | 4,643 |
| Equity capital to assets | 11.5167% | 2,519 |
| Core capital (leverage) ratio | 12.5058% | 1,403 |
| Tier 1 risk-based capital ratio | 19.8272% | 1,585 |
| Total risk-based capital ratio | 21.0849% | 1,550 |
| Memoranda: | ||
| Average total assets | $287,660,250 | 2,261 |
| Average earning assets | $277,797,750 | 2,165 |
| Average equity | $30,201,500 | 2,183 |
| Average total loans | $163,244,250 | 2,615 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8164% | 5,738 |
| Cost of funding earning assets | 1.3112% | 4,472 |
| Net interest margin | 3.5052% | 5,229 |
| Noninterest income to average assets | 0.2133% | 6,397 |
| Noninterest expense to average assets | 3.2116% | 2,860 |
| Loan and lease loss provision to assets | 0.2733% | 4,200 |
| Net operating income to assets | 0.1155% | 5,816 |
| Return on assets (ROA) | 0.3807% | 5,008 |
| Pretax return on assets | 0.3815% | 5,276 |
| Return on Equity (ROE) | 3.7802% | 4,882 |
| Retained earnings to average equity (ytd only) | 3.7802% | 3,685 |
| Net charge-offs to loans | -0.0025% | 7,077 |
| Credit loss provision to net charge-offs | -18,450.0000% | 7,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1814% | 1,401 |
| Assets per employee ($millions) | 5.8533% | 1,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1209% | 1,925 |
| Loan loss allowance to noncurrent loans | 84.5781% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 2.6520% | 2,726 |
| Noncurrent loans to loans | 2.5076% | 3,144 |
| Net loans and leases to total assets | 57.2933% | 5,522 |
| Net loans and leases to deposits | 69.2099% | 5,385 |
| Net loans and leases to core deposits | 91.0752% | 3,113 |
| Total domestic deposits to total assets | 82.7820% | 4,656 |
| Equity capital to assets | 10.6914% | 3,177 |
| Core capital (leverage) ratio | 10.6709% | 2,481 |
| Tier 1 risk-based capital ratio | 16.6589% | 2,419 |
| Total risk-based capital ratio | 17.9194% | 2,362 |
| Memoranda: | ||
| Average total assets | $270,019,000 | 2,422 |
| Average earning assets | $260,985,670 | 2,295 |
| Average equity | $27,194,000 | 2,399 |
| Average total loans | $158,845,330 | 2,713 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8664% | 5,620 |
| Cost of funding earning assets | 1.3741% | 4,335 |
| Net interest margin | 3.4924% | 5,193 |
| Noninterest income to average assets | 0.2979% | 5,764 |
| Noninterest expense to average assets | 3.3098% | 2,505 |
| Loan and lease loss provision to assets | 0.2797% | 3,794 |
| Net operating income to assets | 0.0786% | 6,083 |
| Return on assets (ROA) | 0.4551% | 4,721 |
| Pretax return on assets | 0.4551% | 5,111 |
| Return on Equity (ROE) | 4.6717% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.6717% | 3,338 |
| Net charge-offs to loans | -0.0051% | 6,817 |
| Credit loss provision to net charge-offs | -9,250.0000% | 6,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2308% | 1,416 |
| Assets per employee ($millions) | 5.8065% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0848% | 1,989 |
| Loan loss allowance to noncurrent loans | 104.2600% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 2.4538% | 2,963 |
| Noncurrent loans to loans | 1.9996% | 3,789 |
| Net loans and leases to total assets | 58.0979% | 5,421 |
| Net loans and leases to deposits | 71.8463% | 5,072 |
| Net loans and leases to core deposits | 95.6832% | 2,619 |
| Total domestic deposits to total assets | 80.8642% | 5,506 |
| Equity capital to assets | 10.7255% | 3,028 |
| Core capital (leverage) ratio | 10.9970% | 2,233 |
| Tier 1 risk-based capital ratio | 16.7836% | 2,353 |
| Total risk-based capital ratio | 18.0427% | 2,298 |
| Memoranda: | ||
| Average total assets | $264,550,500 | 2,523 |
| Average earning assets | $255,300,500 | 2,397 |
| Average equity | $25,772,000 | 2,530 |
| Average total loans | $156,039,500 | 2,811 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1041% | 6,069 |
| Cost of funding earning assets | 1.8966% | 3,479 |
| Net interest margin | 3.2076% | 6,064 |
| Noninterest income to average assets | 0.1978% | 6,680 |
| Noninterest expense to average assets | 3.0802% | 3,834 |
| Loan and lease loss provision to assets | 1.3680% | 1,687 |
| Net operating income to assets | -1.1339% | 6,668 |
| Return on assets (ROA) | -0.5386% | 6,215 |
| Pretax return on assets | -0.5343% | 6,038 |
| Return on Equity (ROE) | -5.1727% | 6,227 |
| Retained earnings to average equity (ytd only) | -5.1727% | 6,045 |
| Net charge-offs to loans | 1.9346% | 1,281 |
| Credit loss provision to net charge-offs | 114.2496% | 4,795 |
| Earnings coverage of net charge-offs (x) | 0.1991% | 5,940 |
| Efficiency ratio | 92.8153% | 1,498 |
| Assets per employee ($millions) | 6.0930% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 1,956 |
| Loan loss allowance to noncurrent loans | 127.5368% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 2.1832% | 3,153 |
| Noncurrent loans to loans | 1.5912% | 4,266 |
| Net loans and leases to total assets | 57.4344% | 5,751 |
| Net loans and leases to deposits | 69.4638% | 5,674 |
| Net loans and leases to core deposits | 107.5934% | 3,147 |
| Total domestic deposits to total assets | 82.6824% | 4,668 |
| Equity capital to assets | 8.7389% | 5,533 |
| Core capital (leverage) ratio | 9.3304% | 3,927 |
| Tier 1 risk-based capital ratio | 14.2143% | 3,373 |
| Total risk-based capital ratio | 15.4734% | 3,316 |
| Memoranda: | ||
| Average total assets | $231,508,400 | 2,803 |
| Average earning assets | $225,248,400 | 2,646 |
| Average equity | $24,107,200 | 2,712 |
| Average total loans | $143,288,200 | 3,029 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1231% | 6,194 |
| Cost of funding earning assets | 2.0137% | 3,281 |
| Net interest margin | 3.1094% | 6,292 |
| Noninterest income to average assets | 0.2001% | 6,781 |
| Noninterest expense to average assets | 3.0682% | 3,775 |
| Loan and lease loss provision to assets | 1.1565% | 1,679 |
| Net operating income to assets | -0.9969% | 6,827 |
| Return on assets (ROA) | -0.3043% | 6,219 |
| Pretax return on assets | -0.2984% | 6,096 |
| Return on Equity (ROE) | -2.7912% | 6,215 |
| Retained earnings to average equity (ytd only) | -2.7912% | 5,897 |
| Net charge-offs to loans | 2.1964% | 878 |
| Credit loss provision to net charge-offs | 83.7791% | 5,659 |
| Earnings coverage of net charge-offs (x) | 0.1199% | 5,913 |
| Efficiency ratio | 94.8803% | 1,340 |
| Assets per employee ($millions) | 5.9132% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5920% | 3,025 |
| Loan loss allowance to noncurrent loans | 36.4966% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 2.9244% | 2,371 |
| Noncurrent loans to loans | 4.3620% | 1,626 |
| Net loans and leases to total assets | 59.8157% | 5,612 |
| Net loans and leases to deposits | 74.5534% | 5,285 |
| Net loans and leases to core deposits | 127.4052% | 1,628 |
| Total domestic deposits to total assets | 80.2321% | 5,355 |
| Equity capital to assets | 9.9900% | 4,100 |
| Core capital (leverage) ratio | 10.3057% | 2,966 |
| Tier 1 risk-based capital ratio | 15.4959% | 2,828 |
| Total risk-based capital ratio | 16.7497% | 2,766 |
| Memoranda: | ||
| Average total assets | $223,885,500 | 2,906 |
| Average earning assets | $218,430,000 | 2,738 |
| Average equity | $24,410,000 | 2,700 |
| Average total loans | $140,711,500 | 3,101 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1104% | 6,390 |
| Cost of funding earning assets | 2.1663% | 2,955 |
| Net interest margin | 2.9441% | 6,699 |
| Noninterest income to average assets | 0.1746% | 7,046 |
| Noninterest expense to average assets | 3.0069% | 4,057 |
| Loan and lease loss provision to assets | 1.5848% | 1,068 |
| Net operating income to assets | -1.5572% | 7,274 |
| Return on assets (ROA) | -0.6881% | 6,743 |
| Pretax return on assets | -0.6789% | 6,584 |
| Return on Equity (ROE) | -6.1209% | 6,722 |
| Retained earnings to average equity (ytd only) | -6.1209% | 6,466 |
| Net charge-offs to loans | 3.2131% | 500 |
| Credit loss provision to net charge-offs | 77.5281% | 5,266 |
| Earnings coverage of net charge-offs (x) | 0.0180% | 5,664 |
| Efficiency ratio | 98.7926% | 1,236 |
| Assets per employee ($millions) | 5.5281% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 2,875 |
| Loan loss allowance to noncurrent loans | 27.8167% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 3.5243% | 1,761 |
| Noncurrent loans to loans | 5.6434% | 1,012 |
| Net loans and leases to total assets | 61.4709% | 5,444 |
| Net loans and leases to deposits | 78.2031% | 4,835 |
| Net loans and leases to core deposits | 141.7907% | 941 |
| Total domestic deposits to total assets | 78.6042% | 5,923 |
| Equity capital to assets | 10.4446% | 3,474 |
| Core capital (leverage) ratio | 10.5877% | 2,739 |
| Tier 1 risk-based capital ratio | 16.5313% | 2,438 |
| Total risk-based capital ratio | 17.7853% | 2,380 |
| Memoranda: | ||
| Average total assets | $217,699,670 | 3,004 |
| Average earning assets | $212,155,330 | 2,841 |
| Average equity | $24,473,330 | 2,697 |
| Average total loans | $138,493,670 | 3,171 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0820% | 6,701 |
| Cost of funding earning assets | 2.2464% | 2,931 |
| Net interest margin | 2.8355% | 6,911 |
| Noninterest income to average assets | 0.1520% | 7,214 |
| Noninterest expense to average assets | 2.7314% | 4,867 |
| Loan and lease loss provision to assets | 1.7221% | 720 |
| Net operating income to assets | -1.5477% | 7,516 |
| Return on assets (ROA) | 0.1707% | 5,920 |
| Pretax return on assets | 0.1707% | 6,010 |
| Return on Equity (ROE) | 1.4634% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.4634% | 5,033 |
| Net charge-offs to loans | 0.2891% | 2,962 |
| Credit loss provision to net charge-offs | 927.2727% | 668 |
| Earnings coverage of net charge-offs (x) | 0.9394% | 4,298 |
| Efficiency ratio | 93.9961% | 1,435 |
| Assets per employee ($millions) | 6.8365% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4258% | 820 |
| Loan loss allowance to noncurrent loans | 40.3774% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 3.9409% | 1,313 |
| Noncurrent loans to loans | 6.0077% | 799 |
| Net loans and leases to total assets | 61.0480% | 5,492 |
| Net loans and leases to deposits | 78.8802% | 4,789 |
| Net loans and leases to core deposits | 132.9023% | 1,479 |
| Total domestic deposits to total assets | 77.3933% | 6,181 |
| Equity capital to assets | 10.9483% | 3,011 |
| Core capital (leverage) ratio | 11.6951% | 2,045 |
| Tier 1 risk-based capital ratio | 17.1407% | 2,295 |
| Total risk-based capital ratio | 18.4048% | 2,234 |
| Memoranda: | ||
| Average total assets | $213,223,500 | 3,080 |
| Average earning assets | $207,085,500 | 2,918 |
| Average equity | $24,873,500 | 2,666 |
| Average total loans | $136,967,000 | 3,226 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6822% | 6,831 |
| Cost of funding earning assets | 2.2903% | 5,203 |
| Net interest margin | 3.3919% | 5,689 |
| Noninterest income to average assets | 0.3185% | 6,181 |
| Noninterest expense to average assets | 3.9496% | 1,485 |
| Loan and lease loss provision to assets | 1.4139% | 977 |
| Net operating income to assets | -1.7457% | 7,543 |
| Return on assets (ROA) | -1.5354% | 7,428 |
| Pretax return on assets | -1.5354% | 7,273 |
| Return on Equity (ROE) | -8.4260% | 7,151 |
| Retained earnings to average equity (ytd only) | -8.4260% | 6,916 |
| Net charge-offs to loans | 0.1552% | 4,643 |
| Credit loss provision to net charge-offs | 1,435.4610% | 315 |
| Earnings coverage of net charge-offs (x) | -3.3688% | 6,786 |
| Efficiency ratio | 109.1717% | 728 |
| Assets per employee ($millions) | 5.9071% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0500% | 1,149 |
| Loan loss allowance to noncurrent loans | 50.6701% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.6748% | 1,777 |
| Noncurrent loans to loans | 4.0457% | 1,213 |
| Net loans and leases to total assets | 64.7577% | 5,115 |
| Net loans and leases to deposits | 85.8720% | 4,137 |
| Net loans and leases to core deposits | 128.9293% | 1,935 |
| Total domestic deposits to total assets | 75.4119% | 6,363 |
| Equity capital to assets | 12.4711% | 2,031 |
| Core capital (leverage) ratio | 13.7487% | 1,321 |
| Tier 1 risk-based capital ratio | 17.7706% | 2,095 |
| Total risk-based capital ratio | 19.0293% | 2,034 |
| Memoranda: | ||
| Average total assets | $143,155,200 | 4,021 |
| Average earning assets | $139,241,600 | 3,866 |
| Average equity | $26,086,000 | 2,552 |
| Average total loans | $90,825,600 | 4,201 |