Home > BayCoast Bank > Performance and Condition Ratios
BayCoast Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8871% | 2,307 |
| Cost of funding earning assets | 2.0620% | 827 |
| Net interest margin | 2.8251% | 3,613 |
| Noninterest income to average assets | 1.6300% | 349 |
| Noninterest expense to average assets | 3.6268% | 490 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 0.4074% | 3,854 |
| Return on assets (ROA) | 0.3613% | 3,933 |
| Pretax return on assets | 0.4720% | 3,861 |
| Return on Equity (ROE) | 4.6000% | 3,797 |
| Retained earnings to average equity (ytd only) | 3.2734% | 3,199 |
| Net charge-offs to loans | 0.0433% | 1,460 |
| Credit loss provision to net charge-offs | 33.5603% | 2,262 |
| Earnings coverage of net charge-offs (x) | 16.8512% | 1,988 |
| Efficiency ratio | 85.2503% | 599 |
| Assets per employee ($millions) | 5.4636% | 3,284 |
| Cash dividends to net income (ytd only)* | 28.8240% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7847% | 4,002 |
| Loan loss allowance to noncurrent loans | 456.6320% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 2,559 |
| Noncurrent loans to loans | 0.1718% | 2,660 |
| Net loans and leases to total assets | 83.0000% | 344 |
| Net loans and leases to deposits | 101.3140% | 465 |
| Net loans and leases to core deposits | 120.4766% | 607 |
| Total domestic deposits to total assets | 81.9200% | 3,140 |
| Equity capital to assets | 8.2782% | 3,219 |
| Core capital (leverage) ratio | 8.0600% | 4,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9176% | 2,826 |
| Memoranda: | ||
| Average total assets | $2,880,627,600 | 406 |
| Average earning assets | $2,649,821,200 | 404 |
| Average equity | $226,310,800 | 485 |
| Average total loans | $2,374,848,400 | 354 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8330% | 2,199 |
| Cost of funding earning assets | 1.9627% | 756 |
| Net interest margin | 2.8703% | 3,599 |
| Noninterest income to average assets | 1.6000% | 364 |
| Noninterest expense to average assets | 3.6390% | 472 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 0.3822% | 3,995 |
| Return on assets (ROA) | 0.3380% | 4,076 |
| Pretax return on assets | 0.4460% | 3,997 |
| Return on Equity (ROE) | 4.3600% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.4655% | 3,394 |
| Net charge-offs to loans | 0.0403% | 1,313 |
| Credit loss provision to net charge-offs | -7.6923% | 4,468 |
| Earnings coverage of net charge-offs (x) | 18.1692% | 1,874 |
| Efficiency ratio | 85.2983% | 544 |
| Assets per employee ($millions) | 5.4275% | 3,240 |
| Cash dividends to net income (ytd only)* | 20.5367% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7872% | 4,006 |
| Loan loss allowance to noncurrent loans | 629.8293% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.1036% | 2,882 |
| Noncurrent loans to loans | 0.1250% | 2,929 |
| Net loans and leases to total assets | 82.2700% | 417 |
| Net loans and leases to deposits | 99.6438% | 530 |
| Net loans and leases to core deposits | 118.8670% | 583 |
| Total domestic deposits to total assets | 82.5600% | 3,102 |
| Equity capital to assets | 7.8812% | 3,131 |
| Core capital (leverage) ratio | 7.9789% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7778% | 2,857 |
| Memoranda: | ||
| Average total assets | $2,880,953,750 | 411 |
| Average earning assets | $2,649,904,000 | 403 |
| Average equity | $223,299,500 | 490 |
| Average total loans | $2,366,396,500 | 360 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7498% | 2,105 |
| Cost of funding earning assets | 1.8571% | 665 |
| Net interest margin | 2.8926% | 3,658 |
| Noninterest income to average assets | 1.5500% | 310 |
| Noninterest expense to average assets | 3.6510% | 457 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 0.3643% | 4,066 |
| Return on assets (ROA) | 0.2926% | 4,191 |
| Pretax return on assets | 0.3746% | 4,151 |
| Return on Equity (ROE) | 3.8000% | 4,053 |
| Retained earnings to average equity (ytd only) | 2.8961% | 3,505 |
| Net charge-offs to loans | 0.0170% | 1,577 |
| Credit loss provision to net charge-offs | -402.0000% | 4,590 |
| Earnings coverage of net charge-offs (x) | 40.4800% | 1,392 |
| Efficiency ratio | 86.1359% | 489 |
| Assets per employee ($millions) | 5.3229% | 3,306 |
| Cash dividends to net income (ytd only)* | 23.7248% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7758% | 4,065 |
| Loan loss allowance to noncurrent loans | 600.8732% | 1,354 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 2,795 |
| Noncurrent loans to loans | 0.1291% | 2,830 |
| Net loans and leases to total assets | 81.9100% | 440 |
| Net loans and leases to deposits | 98.2671% | 589 |
| Net loans and leases to core deposits | 117.8701% | 577 |
| Total domestic deposits to total assets | 83.3600% | 2,971 |
| Equity capital to assets | 7.7349% | 3,380 |
| Core capital (leverage) ratio | 7.8610% | 4,445 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5455% | 2,903 |
| Memoranda: | ||
| Average total assets | $2,880,603,333 | 399 |
| Average earning assets | $2,649,065,667 | 390 |
| Average equity | $222,020,000 | 481 |
| Average total loans | $2,358,585,333 | 349 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 1,949 |
| Cost of funding earning assets | 1.7017% | 575 |
| Net interest margin | 2.9581% | 3,680 |
| Noninterest income to average assets | 1.4400% | 343 |
| Noninterest expense to average assets | 3.6073% | 483 |
| Loan and lease loss provision to assets | 0.2800% | 314 |
| Net operating income to assets | 0.2191% | 4,337 |
| Return on assets (ROA) | 0.2110% | 4,310 |
| Pretax return on assets | 0.2578% | 4,289 |
| Return on Equity (ROE) | 2.7400% | 4,216 |
| Retained earnings to average equity (ytd only) | 0.9310% | 3,876 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 86.3153% | 497 |
| Assets per employee ($millions) | 5.2048% | 3,501 |
| Cash dividends to net income (ytd only)* | 66.0502% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8240% | 4,045 |
| Loan loss allowance to noncurrent loans | 402.3629% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 2,335 |
| Noncurrent loans to loans | 0.2048% | 2,450 |
| Net loans and leases to total assets | 80.7200% | 477 |
| Net loans and leases to deposits | 91.0190% | 975 |
| Net loans and leases to core deposits | 116.3537% | 527 |
| Total domestic deposits to total assets | 88.6800% | 1,666 |
| Equity capital to assets | 7.5982% | 3,509 |
| Core capital (leverage) ratio | 7.9019% | 4,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3279% | 3,005 |
| Memoranda: | ||
| Average total assets | $2,870,405,000 | 413 |
| Average earning assets | $2,637,660,000 | 403 |
| Average equity | $220,836,000 | 491 |
| Average total loans | $2,340,472,500 | 363 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1743% | 1,300 |
| Cost of funding earning assets | 0.6133% | 849 |
| Net interest margin | 3.5609% | 1,755 |
| Noninterest income to average assets | 1.4800% | 351 |
| Noninterest expense to average assets | 4.0737% | 318 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 0.5108% | 4,075 |
| Return on assets (ROA) | 0.0168% | 4,539 |
| Pretax return on assets | 0.0007% | 4,541 |
| Return on Equity (ROE) | 0.2100% | 4,534 |
| Retained earnings to average equity (ytd only) | -2.1019% | 4,484 |
| Net charge-offs to loans | 0.2711% | 287 |
| Credit loss provision to net charge-offs | 80.4959% | 1,679 |
| Earnings coverage of net charge-offs (x) | 3.1042% | 2,477 |
| Efficiency ratio | 85.7709% | 429 |
| Assets per employee ($millions) | 5.0194% | 3,666 |
| Cash dividends to net income (ytd only)* | 1,113.7441% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 3,616 |
| Loan loss allowance to noncurrent loans | 489.2905% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 2,425 |
| Noncurrent loans to loans | 0.1933% | 2,511 |
| Net loans and leases to total assets | 80.9200% | 506 |
| Net loans and leases to deposits | 92.7003% | 872 |
| Net loans and leases to core deposits | 112.9176% | 519 |
| Total domestic deposits to total assets | 87.2900% | 2,295 |
| Equity capital to assets | 7.7922% | 3,190 |
| Core capital (leverage) ratio | 8.2599% | 4,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.5985% | 3,019 |
| Memoranda: | ||
| Average total assets | $2,511,886,800 | 453 |
| Average earning assets | $2,299,392,800 | 444 |
| Average equity | $203,532,000 | 519 |
| Average total loans | $1,993,461,400 | 377 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 1,216 |
| Cost of funding earning assets | 0.3886% | 1,373 |
| Net interest margin | 3.6376% | 1,304 |
| Noninterest income to average assets | 1.5400% | 350 |
| Noninterest expense to average assets | 4.2084% | 288 |
| Loan and lease loss provision to assets | 0.1900% | 485 |
| Net operating income to assets | 0.3906% | 4,256 |
| Return on assets (ROA) | -0.1481% | 4,614 |
| Pretax return on assets | -0.2180% | 4,620 |
| Return on Equity (ROE) | -1.8100% | 4,614 |
| Retained earnings to average equity (ytd only) | -4.2807% | 4,584 |
| Net charge-offs to loans | 0.2442% | 278 |
| Credit loss provision to net charge-offs | 100.6840% | 1,319 |
| Earnings coverage of net charge-offs (x) | 3.4132% | 2,212 |
| Efficiency ratio | 86.3607% | 449 |
| Assets per employee ($millions) | 4.6517% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 3,093 |
| Loan loss allowance to noncurrent loans | 1,013.3363% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 3,064 |
| Noncurrent loans to loans | 0.1069% | 3,118 |
| Net loans and leases to total assets | 80.1900% | 513 |
| Net loans and leases to deposits | 95.7080% | 566 |
| Net loans and leases to core deposits | 106.0550% | 586 |
| Total domestic deposits to total assets | 83.7900% | 3,545 |
| Equity capital to assets | 7.4612% | 3,241 |
| Core capital (leverage) ratio | 8.1352% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4584% | 3,100 |
| Memoranda: | ||
| Average total assets | $2,434,635,250 | 459 |
| Average earning assets | $2,227,721,750 | 457 |
| Average equity | $199,462,500 | 533 |
| Average total loans | $1,915,708,000 | 387 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8197% | 1,273 |
| Cost of funding earning assets | 0.2427% | 2,363 |
| Net interest margin | 3.5770% | 1,111 |
| Noninterest income to average assets | 1.6336% | 299 |
| Noninterest expense to average assets | 4.2823% | 239 |
| Loan and lease loss provision to assets | 0.2103% | 383 |
| Net operating income to assets | 0.3750% | 4,160 |
| Return on assets (ROA) | -0.4477% | 4,656 |
| Pretax return on assets | -0.6298% | 4,668 |
| Return on Equity (ROE) | -5.2922% | 4,682 |
| Retained earnings to average equity (ytd only) | -7.4795% | 4,606 |
| Net charge-offs to loans | 0.3727% | 185 |
| Credit loss provision to net charge-offs | 72.5058% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.1378% | 2,040 |
| Efficiency ratio | 87.1957% | 528 |
| Assets per employee ($millions) | 4.4722% | 4,092 |
| Cash dividends to net income (ytd only)* | -41.3301% | 4,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0787% | 3,245 |
| Loan loss allowance to noncurrent loans | 969.8406% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.0875% | 3,108 |
| Noncurrent loans to loans | 0.1112% | 3,189 |
| Net loans and leases to total assets | 77.8276% | 567 |
| Net loans and leases to deposits | 91.3640% | 640 |
| Net loans and leases to core deposits | 104.7880% | 481 |
| Total domestic deposits to total assets | 85.1841% | 3,446 |
| Equity capital to assets | 7.5674% | 3,424 |
| Core capital (leverage) ratio | 8.5139% | 3,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 9.8790% | 3,084 |
| Memoranda: | ||
| Average total assets | $2,377,868,000 | 466 |
| Average earning assets | $2,172,967,333 | 470 |
| Average equity | $201,163,667 | 528 |
| Average total loans | $1,850,358,000 | 390 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8012% | 1,083 |
| Cost of funding earning assets | 0.2162% | 2,578 |
| Net interest margin | 3.5850% | 921 |
| Noninterest income to average assets | 1.8670% | 265 |
| Noninterest expense to average assets | 4.6342% | 194 |
| Loan and lease loss provision to assets | 0.2196% | 320 |
| Net operating income to assets | 0.2529% | 4,235 |
| Return on assets (ROA) | -0.1098% | 4,585 |
| Pretax return on assets | -0.1750% | 4,609 |
| Return on Equity (ROE) | -1.2248% | 4,596 |
| Retained earnings to average equity (ytd only) | -2.4007% | 4,279 |
| Net charge-offs to loans | 0.5501% | 127 |
| Credit loss provision to net charge-offs | 51.6316% | 1,193 |
| Earnings coverage of net charge-offs (x) | 1.1789% | 1,747 |
| Efficiency ratio | 90.0783% | 541 |
| Assets per employee ($millions) | 4.1326% | 4,340 |
| Cash dividends to net income (ytd only)* | -96.0000% | 4,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,740 |
| Loan loss allowance to noncurrent loans | 1,000.2769% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,147 |
| Noncurrent loans to loans | 0.1224% | 3,210 |
| Net loans and leases to total assets | 76.2740% | 493 |
| Net loans and leases to deposits | 85.7580% | 759 |
| Net loans and leases to core deposits | 94.1485% | 729 |
| Total domestic deposits to total assets | 88.9409% | 2,112 |
| Equity capital to assets | 8.9328% | 2,771 |
| Core capital (leverage) ratio | 9.3824% | 2,924 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2238% | 3,025 |
| Memoranda: | ||
| Average total assets | $2,276,577,000 | 489 |
| Average earning assets | $2,075,644,500 | 503 |
| Average equity | $204,109,500 | 539 |
| Average total loans | $1,760,436,500 | 407 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 1,624 |
| Cost of funding earning assets | 0.3469% | 1,962 |
| Net interest margin | 3.5500% | 1,601 |
| Noninterest income to average assets | 2.6873% | 212 |
| Noninterest expense to average assets | 4.7473% | 192 |
| Loan and lease loss provision to assets | 0.2807% | 302 |
| Net operating income to assets | 0.6491% | 3,751 |
| Return on assets (ROA) | 1.1172% | 2,286 |
| Pretax return on assets | 1.4999% | 1,726 |
| Return on Equity (ROE) | 13.0281% | 1,459 |
| Retained earnings to average equity (ytd only) | 9.8602% | 951 |
| Net charge-offs to loans | 0.0577% | 1,213 |
| Credit loss provision to net charge-offs | 624.3706% | 704 |
| Earnings coverage of net charge-offs (x) | 26.3746% | 1,697 |
| Efficiency ratio | 79.8774% | 811 |
| Assets per employee ($millions) | 4.1460% | 4,359 |
| Cash dividends to net income (ytd only)* | 24.3161% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,330 |
| Loan loss allowance to noncurrent loans | 160.9284% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 1,046 |
| Noncurrent loans to loans | 0.8114% | 1,257 |
| Net loans and leases to total assets | 76.4279% | 492 |
| Net loans and leases to deposits | 85.7967% | 801 |
| Net loans and leases to core deposits | 92.5665% | 846 |
| Total domestic deposits to total assets | 89.0803% | 1,467 |
| Equity capital to assets | 8.9989% | 3,618 |
| Core capital (leverage) ratio | 8.9811% | 3,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0428% | 3,043 |
| Memoranda: | ||
| Average total assets | $2,208,681,600 | 478 |
| Average earning assets | $2,019,418,200 | 489 |
| Average equity | $189,397,600 | 569 |
| Average total loans | $1,721,853,800 | 406 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8745% | 1,838 |
| Cost of funding earning assets | 0.3717% | 1,922 |
| Net interest margin | 3.5029% | 1,855 |
| Noninterest income to average assets | 2.7305% | 223 |
| Noninterest expense to average assets | 4.8728% | 183 |
| Loan and lease loss provision to assets | 0.2854% | 290 |
| Net operating income to assets | 0.5613% | 4,076 |
| Return on assets (ROA) | 0.9398% | 3,205 |
| Pretax return on assets | 1.2582% | 2,740 |
| Return on Equity (ROE) | 11.1003% | 2,347 |
| Retained earnings to average equity (ytd only) | 7.5862% | 2,186 |
| Net charge-offs to loans | 0.0659% | 985 |
| Credit loss provision to net charge-offs | 554.2453% | 729 |
| Earnings coverage of net charge-offs (x) | 20.6321% | 1,723 |
| Efficiency ratio | 81.9656% | 634 |
| Assets per employee ($millions) | 4.2206% | 4,319 |
| Cash dividends to net income (ytd only)* | 31.6578% | 1,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 2,779 |
| Loan loss allowance to noncurrent loans | 151.1286% | 2,897 |
| Noncurrent assets plus other real estate owned to assets | 0.6322% | 1,202 |
| Noncurrent loans to loans | 0.8219% | 1,389 |
| Net loans and leases to total assets | 75.9584% | 550 |
| Net loans and leases to deposits | 86.3595% | 809 |
| Net loans and leases to core deposits | 93.5563% | 847 |
| Total domestic deposits to total assets | 87.9560% | 1,874 |
| Equity capital to assets | 8.7882% | 4,008 |
| Core capital (leverage) ratio | 8.7500% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0088% | 3,090 |
| Memoranda: | ||
| Average total assets | $2,195,958,000 | 488 |
| Average earning assets | $2,008,959,750 | 495 |
| Average equity | $185,912,500 | 586 |
| Average total loans | $1,714,868,750 | 409 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7866% | 2,107 |
| Cost of funding earning assets | 0.3939% | 1,941 |
| Net interest margin | 3.3927% | 2,159 |
| Noninterest income to average assets | 2.7840% | 212 |
| Noninterest expense to average assets | 4.8714% | 182 |
| Loan and lease loss provision to assets | 0.2938% | 292 |
| Net operating income to assets | 0.5162% | 4,186 |
| Return on assets (ROA) | 1.0956% | 2,636 |
| Pretax return on assets | 1.4671% | 2,118 |
| Return on Equity (ROE) | 13.1133% | 1,671 |
| Retained earnings to average equity (ytd only) | 8.7173% | 1,812 |
| Net charge-offs to loans | 0.0926% | 781 |
| Credit loss provision to net charge-offs | 404.0404% | 754 |
| Earnings coverage of net charge-offs (x) | 14.0997% | 1,678 |
| Efficiency ratio | 82.4756% | 636 |
| Assets per employee ($millions) | 4.0888% | 4,399 |
| Cash dividends to net income (ytd only)* | 33.5233% | 1,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1424% | 3,233 |
| Loan loss allowance to noncurrent loans | 559.2190% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 3,193 |
| Noncurrent loans to loans | 0.2043% | 3,226 |
| Net loans and leases to total assets | 77.2855% | 493 |
| Net loans and leases to deposits | 89.4512% | 679 |
| Net loans and leases to core deposits | 98.1039% | 718 |
| Total domestic deposits to total assets | 86.3996% | 2,592 |
| Equity capital to assets | 8.7058% | 4,041 |
| Core capital (leverage) ratio | 8.9784% | 3,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0936% | 3,076 |
| Memoranda: | ||
| Average total assets | $2,178,079,667 | 487 |
| Average earning assets | $1,998,393,667 | 491 |
| Average equity | $181,983,667 | 598 |
| Average total loans | $1,709,743,000 | 412 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 1,926 |
| Cost of funding earning assets | 0.4214% | 1,929 |
| Net interest margin | 3.4415% | 1,988 |
| Noninterest income to average assets | 3.3580% | 175 |
| Noninterest expense to average assets | 5.0064% | 175 |
| Loan and lease loss provision to assets | 0.3171% | 281 |
| Net operating income to assets | 0.8572% | 3,248 |
| Return on assets (ROA) | 1.4407% | 1,537 |
| Pretax return on assets | 1.9353% | 1,056 |
| Return on Equity (ROE) | 17.6304% | 766 |
| Retained earnings to average equity (ytd only) | 10.7837% | 1,451 |
| Net charge-offs to loans | -0.0085% | 3,610 |
| Credit loss provision to net charge-offs | -4,722.2222% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6924% | 1,067 |
| Assets per employee ($millions) | 4.2198% | 4,331 |
| Cash dividends to net income (ytd only)* | 38.8350% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1395% | 3,252 |
| Loan loss allowance to noncurrent loans | 462.8763% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 3,208 |
| Noncurrent loans to loans | 0.2462% | 3,213 |
| Net loans and leases to total assets | 77.3531% | 512 |
| Net loans and leases to deposits | 90.5679% | 672 |
| Net loans and leases to core deposits | 99.0736% | 757 |
| Total domestic deposits to total assets | 85.4090% | 2,961 |
| Equity capital to assets | 8.1384% | 4,406 |
| Core capital (leverage) ratio | 8.6687% | 3,947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2695% | 3,043 |
| Memoranda: | ||
| Average total assets | $2,144,756,500 | 486 |
| Average earning assets | $1,969,491,000 | 491 |
| Average equity | $175,265,000 | 612 |
| Average total loans | $1,687,167,000 | 421 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0108% | 2,693 |
| Cost of funding earning assets | 0.6882% | 1,781 |
| Net interest margin | 3.3226% | 3,012 |
| Noninterest income to average assets | 2.9546% | 202 |
| Noninterest expense to average assets | 4.5213% | 251 |
| Loan and lease loss provision to assets | 0.3290% | 1,097 |
| Net operating income to assets | 0.8184% | 3,021 |
| Return on assets (ROA) | 1.0891% | 2,087 |
| Pretax return on assets | 1.4525% | 1,501 |
| Return on Equity (ROE) | 12.9654% | 1,047 |
| Retained earnings to average equity (ytd only) | 7.5356% | 1,187 |
| Net charge-offs to loans | 0.0151% | 2,809 |
| Credit loss provision to net charge-offs | 2,753.1120% | 352 |
| Earnings coverage of net charge-offs (x) | 120.2573% | 706 |
| Efficiency ratio | 75.7888% | 1,257 |
| Assets per employee ($millions) | 4.2668% | 4,157 |
| Cash dividends to net income (ytd only)* | 41.8791% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,667 |
| Loan loss allowance to noncurrent loans | 410.1372% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 3,272 |
| Noncurrent loans to loans | 0.2569% | 3,271 |
| Net loans and leases to total assets | 78.2625% | 584 |
| Net loans and leases to deposits | 94.8570% | 612 |
| Net loans and leases to core deposits | 105.3807% | 674 |
| Total domestic deposits to total assets | 82.5058% | 3,533 |
| Equity capital to assets | 8.2060% | 4,622 |
| Core capital (leverage) ratio | 8.3554% | 4,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1786% | 3,064 |
| Memoranda: | ||
| Average total assets | $2,016,991,600 | 473 |
| Average earning assets | $1,823,338,200 | 480 |
| Average equity | $169,435,200 | 604 |
| Average total loans | $1,592,032,800 | 424 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0245% | 2,902 |
| Cost of funding earning assets | 0.7489% | 1,755 |
| Net interest margin | 3.2757% | 3,259 |
| Noninterest income to average assets | 2.8978% | 194 |
| Noninterest expense to average assets | 4.5169% | 252 |
| Loan and lease loss provision to assets | 0.2701% | 1,507 |
| Net operating income to assets | 0.7988% | 3,096 |
| Return on assets (ROA) | 0.8184% | 3,147 |
| Pretax return on assets | 1.0859% | 2,794 |
| Return on Equity (ROE) | 9.6828% | 2,140 |
| Retained earnings to average equity (ytd only) | 7.9407% | 1,327 |
| Net charge-offs to loans | 0.0138% | 2,624 |
| Credit loss provision to net charge-offs | 2,475.4601% | 409 |
| Earnings coverage of net charge-offs (x) | 121.8712% | 688 |
| Efficiency ratio | 77.1610% | 1,112 |
| Assets per employee ($millions) | 4.5274% | 3,816 |
| Cash dividends to net income (ytd only)* | 17.9915% | 2,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 4,110 |
| Loan loss allowance to noncurrent loans | 411.3741% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.1695% | 3,577 |
| Noncurrent loans to loans | 0.2157% | 3,521 |
| Net loans and leases to total assets | 77.8565% | 847 |
| Net loans and leases to deposits | 97.0596% | 684 |
| Net loans and leases to core deposits | 107.4393% | 789 |
| Total domestic deposits to total assets | 80.2152% | 3,820 |
| Equity capital to assets | 8.1409% | 4,663 |
| Core capital (leverage) ratio | 8.3168% | 4,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7355% | 3,107 |
| Memoranda: | ||
| Average total assets | $1,992,157,000 | 470 |
| Average earning assets | $1,793,261,500 | 478 |
| Average equity | $168,377,250 | 599 |
| Average total loans | $1,571,557,750 | 422 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1047% | 3,042 |
| Cost of funding earning assets | 0.8549% | 1,577 |
| Net interest margin | 3.2499% | 3,523 |
| Noninterest income to average assets | 2.6298% | 203 |
| Noninterest expense to average assets | 4.4504% | 266 |
| Loan and lease loss provision to assets | 0.2131% | 1,946 |
| Net operating income to assets | 0.6985% | 3,394 |
| Return on assets (ROA) | 0.4760% | 4,138 |
| Pretax return on assets | 0.6023% | 4,058 |
| Return on Equity (ROE) | 5.5549% | 3,651 |
| Retained earnings to average equity (ytd only) | 3.7439% | 3,044 |
| Net charge-offs to loans | 0.0209% | 2,304 |
| Credit loss provision to net charge-offs | 1,287.5000% | 673 |
| Earnings coverage of net charge-offs (x) | 66.2000% | 909 |
| Efficiency ratio | 80.1373% | 885 |
| Assets per employee ($millions) | 4.6627% | 3,579 |
| Cash dividends to net income (ytd only)* | 32.6016% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,345 |
| Loan loss allowance to noncurrent loans | 297.7576% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 3,502 |
| Noncurrent loans to loans | 0.2686% | 3,418 |
| Net loans and leases to total assets | 76.6889% | 1,047 |
| Net loans and leases to deposits | 94.1570% | 951 |
| Net loans and leases to core deposits | 105.1113% | 940 |
| Total domestic deposits to total assets | 81.4479% | 3,512 |
| Equity capital to assets | 7.9440% | 4,745 |
| Core capital (leverage) ratio | 8.3998% | 4,480 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.4426% | 3,195 |
| Memoranda: | ||
| Average total assets | $1,933,335,333 | 474 |
| Average earning assets | $1,734,969,667 | 487 |
| Average equity | $165,654,667 | 608 |
| Average total loans | $1,527,566,667 | 426 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 2,768 |
| Cost of funding earning assets | 1.0399% | 1,259 |
| Net interest margin | 3.3136% | 3,558 |
| Noninterest income to average assets | 2.6000% | 185 |
| Noninterest expense to average assets | 4.4564% | 316 |
| Loan and lease loss provision to assets | 0.1840% | 1,626 |
| Net operating income to assets | 0.8346% | 2,775 |
| Return on assets (ROA) | -0.6901% | 4,936 |
| Pretax return on assets | -0.9978% | 4,958 |
| Return on Equity (ROE) | -7.7279% | 4,973 |
| Retained earnings to average equity (ytd only) | -9.3130% | 4,741 |
| Net charge-offs to loans | -0.0052% | 3,879 |
| Credit loss provision to net charge-offs | -4,447.3684% | 3,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8780% | 1,153 |
| Assets per employee ($millions) | 4.2607% | 3,580 |
| Cash dividends to net income (ytd only)* | -20.5112% | 5,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8261% | 4,344 |
| Loan loss allowance to noncurrent loans | 272.4409% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2350% | 3,520 |
| Noncurrent loans to loans | 0.3032% | 3,414 |
| Net loans and leases to total assets | 76.8541% | 1,160 |
| Net loans and leases to deposits | 94.3339% | 1,048 |
| Net loans and leases to core deposits | 111.2715% | 786 |
| Total domestic deposits to total assets | 81.4703% | 3,551 |
| Equity capital to assets | 8.5411% | 4,810 |
| Core capital (leverage) ratio | 8.7197% | 4,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3623% | 3,382 |
| Memoranda: | ||
| Average total assets | $1,836,911,500 | 479 |
| Average earning assets | $1,647,035,500 | 496 |
| Average equity | $164,029,500 | 608 |
| Average total loans | $1,469,503,500 | 430 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 3,009 |
| Cost of funding earning assets | 1.1616% | 1,120 |
| Net interest margin | 3.3193% | 3,943 |
| Noninterest income to average assets | 1.9427% | 273 |
| Noninterest expense to average assets | 4.2356% | 409 |
| Loan and lease loss provision to assets | 0.1981% | 1,026 |
| Net operating income to assets | 0.3746% | 4,642 |
| Return on assets (ROA) | 0.7900% | 3,663 |
| Pretax return on assets | 1.0488% | 3,337 |
| Return on Equity (ROE) | 8.6104% | 2,903 |
| Retained earnings to average equity (ytd only) | 6.6943% | 1,527 |
| Net charge-offs to loans | 0.1104% | 1,624 |
| Credit loss provision to net charge-offs | 222.9100% | 1,191 |
| Earnings coverage of net charge-offs (x) | 8.0976% | 2,808 |
| Efficiency ratio | 85.3479% | 581 |
| Assets per employee ($millions) | 4.0874% | 3,793 |
| Cash dividends to net income (ytd only)* | 22.2541% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7635% | 4,413 |
| Loan loss allowance to noncurrent loans | 252.5488% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 3,435 |
| Noncurrent loans to loans | 0.3023% | 3,352 |
| Net loans and leases to total assets | 82.0260% | 555 |
| Net loans and leases to deposits | 102.9970% | 415 |
| Net loans and leases to core deposits | 118.2958% | 529 |
| Total domestic deposits to total assets | 79.6392% | 4,049 |
| Equity capital to assets | 9.3421% | 4,466 |
| Core capital (leverage) ratio | 8.8604% | 4,631 |
| Tier 1 risk-based capital ratio | 10.4094% | 5,045 |
| Total risk-based capital ratio | 11.1522% | 5,095 |
| Memoranda: | ||
| Average total assets | $1,763,396,000 | 483 |
| Average earning assets | $1,600,405,600 | 487 |
| Average equity | $161,780,400 | 578 |
| Average total loans | $1,419,022,200 | 422 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4351% | 3,251 |
| Cost of funding earning assets | 1.1628% | 1,131 |
| Net interest margin | 3.2723% | 4,142 |
| Noninterest income to average assets | 1.8871% | 291 |
| Noninterest expense to average assets | 4.1540% | 439 |
| Loan and lease loss provision to assets | 0.1924% | 927 |
| Net operating income to assets | 0.3756% | 4,760 |
| Return on assets (ROA) | 0.7351% | 3,963 |
| Pretax return on assets | 0.9737% | 3,667 |
| Return on Equity (ROE) | 8.0494% | 3,282 |
| Retained earnings to average equity (ytd only) | 6.5551% | 2,083 |
| Net charge-offs to loans | 0.1051% | 1,418 |
| Credit loss provision to net charge-offs | 229.0614% | 1,175 |
| Earnings coverage of net charge-offs (x) | 8.4539% | 2,653 |
| Efficiency ratio | 85.2670% | 535 |
| Assets per employee ($millions) | 4.3840% | 3,365 |
| Cash dividends to net income (ytd only)* | 18.5644% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 4,610 |
| Loan loss allowance to noncurrent loans | 291.8816% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 3,772 |
| Noncurrent loans to loans | 0.2464% | 3,660 |
| Net loans and leases to total assets | 79.8288% | 868 |
| Net loans and leases to deposits | 97.8192% | 838 |
| Net loans and leases to core deposits | 117.7931% | 603 |
| Total domestic deposits to total assets | 81.6085% | 3,584 |
| Equity capital to assets | 8.8461% | 4,851 |
| Core capital (leverage) ratio | 8.7874% | 4,785 |
| Tier 1 risk-based capital ratio | 10.1667% | 5,160 |
| Total risk-based capital ratio | 10.8734% | 5,201 |
| Memoranda: | ||
| Average total assets | $1,758,723,000 | 483 |
| Average earning assets | $1,600,047,250 | 483 |
| Average equity | $160,604,500 | 580 |
| Average total loans | $1,405,522,500 | 428 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4424% | 3,205 |
| Cost of funding earning assets | 1.1555% | 1,119 |
| Net interest margin | 3.2869% | 4,170 |
| Noninterest income to average assets | 1.8000% | 306 |
| Noninterest expense to average assets | 4.1813% | 424 |
| Loan and lease loss provision to assets | 0.1930% | 907 |
| Net operating income to assets | 0.2979% | 4,876 |
| Return on assets (ROA) | 0.7226% | 3,983 |
| Pretax return on assets | 0.9521% | 3,705 |
| Return on Equity (ROE) | 7.8253% | 3,365 |
| Retained earnings to average equity (ytd only) | 6.4445% | 2,083 |
| Net charge-offs to loans | 0.0074% | 2,884 |
| Credit loss provision to net charge-offs | 3,264.7059% | 113 |
| Earnings coverage of net charge-offs (x) | 102.6275% | 683 |
| Efficiency ratio | 87.1904% | 485 |
| Assets per employee ($millions) | 4.1451% | 3,657 |
| Cash dividends to net income (ytd only)* | 17.6452% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 4,544 |
| Loan loss allowance to noncurrent loans | 186.6507% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 3,210 |
| Noncurrent loans to loans | 0.4123% | 3,055 |
| Net loans and leases to total assets | 79.6503% | 942 |
| Net loans and leases to deposits | 98.3513% | 810 |
| Net loans and leases to core deposits | 118.9530% | 577 |
| Total domestic deposits to total assets | 80.9855% | 3,819 |
| Equity capital to assets | 9.1447% | 4,701 |
| Core capital (leverage) ratio | 8.8457% | 4,759 |
| Tier 1 risk-based capital ratio | 10.4498% | 5,122 |
| Total risk-based capital ratio | 11.2023% | 5,180 |
| Memoranda: | ||
| Average total assets | $1,725,361,000 | 488 |
| Average earning assets | $1,568,461,000 | 492 |
| Average equity | $159,328,670 | 579 |
| Average total loans | $1,375,825,000 | 434 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4172% | 3,165 |
| Cost of funding earning assets | 1.1134% | 1,145 |
| Net interest margin | 3.3038% | 4,149 |
| Noninterest income to average assets | 1.7089% | 309 |
| Noninterest expense to average assets | 4.1913% | 407 |
| Loan and lease loss provision to assets | 0.1252% | 1,403 |
| Net operating income to assets | 0.2690% | 4,936 |
| Return on assets (ROA) | 0.9334% | 3,150 |
| Pretax return on assets | 1.2357% | 2,679 |
| Return on Equity (ROE) | 10.0566% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.2974% | 1,226 |
| Net charge-offs to loans | -0.0251% | 4,579 |
| Credit loss provision to net charge-offs | -627.0588% | 3,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8446% | 441 |
| Assets per employee ($millions) | 4.1938% | 3,636 |
| Cash dividends to net income (ytd only)* | 7.5491% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7359% | 4,702 |
| Loan loss allowance to noncurrent loans | 284.3491% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 3,389 |
| Noncurrent loans to loans | 0.2588% | 3,635 |
| Net loans and leases to total assets | 77.7698% | 1,197 |
| Net loans and leases to deposits | 100.2182% | 616 |
| Net loans and leases to core deposits | 117.7098% | 588 |
| Total domestic deposits to total assets | 77.6005% | 4,578 |
| Equity capital to assets | 9.3054% | 4,431 |
| Core capital (leverage) ratio | 9.0270% | 4,635 |
| Tier 1 risk-based capital ratio | 10.7731% | 5,080 |
| Total risk-based capital ratio | 11.4851% | 5,179 |
| Memoranda: | ||
| Average total assets | $1,703,070,000 | 497 |
| Average earning assets | $1,546,959,500 | 499 |
| Average equity | $158,065,000 | 577 |
| Average total loans | $1,353,388,000 | 441 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 3,279 |
| Cost of funding earning assets | 0.8581% | 1,270 |
| Net interest margin | 3.3907% | 4,022 |
| Noninterest income to average assets | 1.6067% | 367 |
| Noninterest expense to average assets | 4.0892% | 477 |
| Loan and lease loss provision to assets | 0.1408% | 1,528 |
| Net operating income to assets | 0.3566% | 4,929 |
| Return on assets (ROA) | 0.5546% | 4,533 |
| Pretax return on assets | 0.7139% | 4,375 |
| Return on Equity (ROE) | 5.5676% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.5676% | 2,442 |
| Net charge-offs to loans | 0.0274% | 2,861 |
| Credit loss provision to net charge-offs | 645.7726% | 533 |
| Earnings coverage of net charge-offs (x) | 27.6647% | 1,681 |
| Efficiency ratio | 86.6981% | 492 |
| Assets per employee ($millions) | 4.1339% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6871% | 4,823 |
| Loan loss allowance to noncurrent loans | 194.4502% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 3,306 |
| Noncurrent loans to loans | 0.3534% | 3,278 |
| Net loans and leases to total assets | 80.0623% | 935 |
| Net loans and leases to deposits | 102.6714% | 552 |
| Net loans and leases to core deposits | 119.3084% | 567 |
| Total domestic deposits to total assets | 77.9791% | 4,493 |
| Equity capital to assets | 9.2564% | 4,363 |
| Core capital (leverage) ratio | 8.8607% | 4,762 |
| Tier 1 risk-based capital ratio | 10.3310% | 5,236 |
| Total risk-based capital ratio | 11.0762% | 5,301 |
| Memoranda: | ||
| Average total assets | $1,573,295,000 | 524 |
| Average earning assets | $1,431,724,200 | 519 |
| Average equity | $156,710,400 | 543 |
| Average total loans | $1,251,785,200 | 464 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 3,416 |
| Cost of funding earning assets | 0.8021% | 1,325 |
| Net interest margin | 3.3654% | 4,119 |
| Noninterest income to average assets | 1.6180% | 374 |
| Noninterest expense to average assets | 4.0723% | 476 |
| Loan and lease loss provision to assets | 0.1113% | 1,817 |
| Net operating income to assets | 0.3817% | 4,986 |
| Return on assets (ROA) | 0.6247% | 4,451 |
| Pretax return on assets | 0.8073% | 4,271 |
| Return on Equity (ROE) | 6.1528% | 4,222 |
| Retained earnings to average equity (ytd only) | 6.1528% | 2,580 |
| Net charge-offs to loans | 0.0140% | 2,923 |
| Credit loss provision to net charge-offs | 1,000.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 54.8436% | 1,115 |
| Efficiency ratio | 86.5086% | 488 |
| Assets per employee ($millions) | 4.0739% | 3,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 4,956 |
| Loan loss allowance to noncurrent loans | 264.2419% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 3,894 |
| Noncurrent loans to loans | 0.2486% | 3,799 |
| Net loans and leases to total assets | 79.6857% | 1,065 |
| Net loans and leases to deposits | 109.3453% | 309 |
| Net loans and leases to core deposits | 120.1475% | 569 |
| Total domestic deposits to total assets | 72.8753% | 5,067 |
| Equity capital to assets | 9.8702% | 3,765 |
| Core capital (leverage) ratio | 9.2002% | 4,510 |
| Tier 1 risk-based capital ratio | 10.5536% | 5,221 |
| Total risk-based capital ratio | 11.4812% | 5,248 |
| Memoranda: | ||
| Average total assets | $1,545,997,000 | 529 |
| Average earning assets | $1,407,747,250 | 523 |
| Average equity | $156,953,500 | 544 |
| Average total loans | $1,225,642,250 | 474 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 3,464 |
| Cost of funding earning assets | 0.7500% | 1,368 |
| Net interest margin | 3.3452% | 4,118 |
| Noninterest income to average assets | 1.5892% | 393 |
| Noninterest expense to average assets | 4.1465% | 448 |
| Loan and lease loss provision to assets | 0.1121% | 1,767 |
| Net operating income to assets | 0.2933% | 5,124 |
| Return on assets (ROA) | 0.5791% | 4,564 |
| Pretax return on assets | 0.7389% | 4,413 |
| Return on Equity (ROE) | 5.6480% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.6480% | 2,747 |
| Net charge-offs to loans | 0.0192% | 2,506 |
| Credit loss provision to net charge-offs | 739.1304% | 543 |
| Earnings coverage of net charge-offs (x) | 32.2174% | 1,440 |
| Efficiency ratio | 88.9793% | 410 |
| Assets per employee ($millions) | 3.8430% | 4,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6694% | 4,999 |
| Loan loss allowance to noncurrent loans | 239.9003% | 1,969 |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 3,905 |
| Noncurrent loans to loans | 0.2790% | 3,703 |
| Net loans and leases to total assets | 77.8268% | 1,342 |
| Net loans and leases to deposits | 105.6814% | 457 |
| Net loans and leases to core deposits | 112.0265% | 887 |
| Total domestic deposits to total assets | 73.6428% | 5,078 |
| Equity capital to assets | 10.0703% | 3,558 |
| Core capital (leverage) ratio | 9.2965% | 4,366 |
| Tier 1 risk-based capital ratio | 10.9433% | 5,084 |
| Total risk-based capital ratio | 11.8354% | 5,133 |
| Memoranda: | ||
| Average total assets | $1,516,780,000 | 534 |
| Average earning assets | $1,381,092,000 | 531 |
| Average equity | $155,523,330 | 543 |
| Average total loans | $1,197,392,000 | 478 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,443 |
| Cost of funding earning assets | 0.7005% | 1,439 |
| Net interest margin | 3.3448% | 4,068 |
| Noninterest income to average assets | 1.5149% | 425 |
| Noninterest expense to average assets | 4.2736% | 366 |
| Loan and lease loss provision to assets | 0.1405% | 1,343 |
| Net operating income to assets | 0.1223% | 5,315 |
| Return on assets (ROA) | 0.6269% | 4,360 |
| Pretax return on assets | 0.7944% | 4,161 |
| Return on Equity (ROE) | 6.0572% | 4,139 |
| Retained earnings to average equity (ytd only) | 6.0572% | 2,688 |
| Net charge-offs to loans | 0.0014% | 2,688 |
| Credit loss provision to net charge-offs | 13,125.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 276.2500% | 246 |
| Efficiency ratio | 93.0085% | 334 |
| Assets per employee ($millions) | 3.9573% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6559% | 5,102 |
| Loan loss allowance to noncurrent loans | 149.7932% | 2,751 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 3,445 |
| Noncurrent loans to loans | 0.4379% | 3,214 |
| Net loans and leases to total assets | 78.8086% | 1,117 |
| Net loans and leases to deposits | 106.5710% | 360 |
| Net loans and leases to core deposits | 111.9514% | 895 |
| Total domestic deposits to total assets | 73.9494% | 5,159 |
| Equity capital to assets | 10.1218% | 3,478 |
| Core capital (leverage) ratio | 9.4177% | 4,162 |
| Tier 1 risk-based capital ratio | 11.0718% | 5,098 |
| Total risk-based capital ratio | 11.9673% | 5,169 |
| Memoranda: | ||
| Average total assets | $1,495,047,000 | 543 |
| Average earning assets | $1,365,222,000 | 543 |
| Average equity | $154,724,500 | 549 |
| Average total loans | $1,184,852,000 | 485 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 3,762 |
| Cost of funding earning assets | 0.6199% | 1,472 |
| Net interest margin | 3.2701% | 4,253 |
| Noninterest income to average assets | 1.4933% | 473 |
| Noninterest expense to average assets | 4.0115% | 525 |
| Loan and lease loss provision to assets | 0.0648% | 2,922 |
| Net operating income to assets | 0.2286% | 5,053 |
| Return on assets (ROA) | 0.7960% | 3,221 |
| Pretax return on assets | 1.3027% | 2,337 |
| Return on Equity (ROE) | 8.2576% | 2,666 |
| Retained earnings to average equity (ytd only) | 7.7671% | 838 |
| Net charge-offs to loans | 0.0544% | 2,719 |
| Credit loss provision to net charge-offs | 154.9296% | 1,730 |
| Earnings coverage of net charge-offs (x) | 11.5176% | 2,566 |
| Efficiency ratio | 88.6066% | 498 |
| Assets per employee ($millions) | 3.8793% | 4,144 |
| Cash dividends to net income (ytd only)* | 5.9400% | 4,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6450% | 5,166 |
| Loan loss allowance to noncurrent loans | 129.6657% | 3,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3960% | 3,271 |
| Noncurrent loans to loans | 0.4974% | 3,034 |
| Net loans and leases to total assets | 78.6602% | 1,191 |
| Net loans and leases to deposits | 102.1070% | 601 |
| Net loans and leases to core deposits | 107.0746% | 1,207 |
| Total domestic deposits to total assets | 77.0370% | 4,850 |
| Equity capital to assets | 10.5878% | 3,065 |
| Core capital (leverage) ratio | 9.6617% | 3,857 |
| Tier 1 risk-based capital ratio | 11.3682% | 4,941 |
| Total risk-based capital ratio | 12.3389% | 4,980 |
| Memoranda: | ||
| Average total assets | $1,357,775,200 | 566 |
| Average earning assets | $1,245,640,800 | 563 |
| Average equity | $130,885,600 | 631 |
| Average total loans | $1,044,558,800 | 519 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8424% | 3,860 |
| Cost of funding earning assets | 0.6103% | 1,457 |
| Net interest margin | 3.2320% | 4,380 |
| Noninterest income to average assets | 1.3926% | 544 |
| Noninterest expense to average assets | 3.9435% | 558 |
| Loan and lease loss provision to assets | 0.0580% | 2,926 |
| Net operating income to assets | 0.2220% | 5,333 |
| Return on assets (ROA) | 1.0110% | 2,550 |
| Pretax return on assets | 1.5926% | 1,449 |
| Return on Equity (ROE) | 10.7775% | 1,785 |
| Retained earnings to average equity (ytd only) | 10.0927% | 562 |
| Net charge-offs to loans | 0.0798% | 2,002 |
| Credit loss provision to net charge-offs | 95.2381% | 2,384 |
| Earnings coverage of net charge-offs (x) | 6.8736% | 2,935 |
| Efficiency ratio | 89.7108% | 420 |
| Assets per employee ($millions) | 3.9382% | 4,094 |
| Cash dividends to net income (ytd only)* | 6.3539% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6479% | 5,242 |
| Loan loss allowance to noncurrent loans | 285.7660% | 1,651 |
| Noncurrent assets plus other real estate owned to assets | 0.1774% | 4,394 |
| Noncurrent loans to loans | 0.2267% | 4,158 |
| Net loans and leases to total assets | 77.7294% | 1,310 |
| Net loans and leases to deposits | 103.7739% | 509 |
| Net loans and leases to core deposits | 108.9532% | 1,093 |
| Total domestic deposits to total assets | 74.9026% | 5,136 |
| Equity capital to assets | 9.2103% | 4,717 |
| Core capital (leverage) ratio | 8.0994% | 5,476 |
| Tier 1 risk-based capital ratio | 9.6045% | 5,660 |
| Total risk-based capital ratio | 10.5006% | 5,680 |
| Memoranda: | ||
| Average total assets | $1,332,563,500 | 580 |
| Average earning assets | $1,224,415,250 | 571 |
| Average equity | $124,998,000 | 662 |
| Average total loans | $1,016,997,750 | 538 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7829% | 3,950 |
| Cost of funding earning assets | 0.5935% | 1,492 |
| Net interest margin | 3.1895% | 4,450 |
| Noninterest income to average assets | 1.3889% | 555 |
| Noninterest expense to average assets | 3.9688% | 547 |
| Loan and lease loss provision to assets | 0.0550% | 2,874 |
| Net operating income to assets | 0.1634% | 5,440 |
| Return on assets (ROA) | 1.3001% | 1,322 |
| Pretax return on assets | 2.0843% | 461 |
| Return on Equity (ROE) | 13.7712% | 856 |
| Retained earnings to average equity (ytd only) | 12.7325% | 266 |
| Net charge-offs to loans | 0.0103% | 3,095 |
| Credit loss provision to net charge-offs | 705.8824% | 498 |
| Earnings coverage of net charge-offs (x) | 46.6863% | 1,135 |
| Efficiency ratio | 90.9325% | 407 |
| Assets per employee ($millions) | 3.8034% | 4,274 |
| Cash dividends to net income (ytd only)* | 7.5423% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7333% | 5,128 |
| Loan loss allowance to noncurrent loans | 234.3406% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 0.2346% | 4,212 |
| Noncurrent loans to loans | 0.3129% | 3,919 |
| Net loans and leases to total assets | 74.4338% | 1,791 |
| Net loans and leases to deposits | 99.5362% | 771 |
| Net loans and leases to core deposits | 104.6353% | 1,315 |
| Total domestic deposits to total assets | 74.7806% | 5,226 |
| Equity capital to assets | 9.3812% | 4,535 |
| Core capital (leverage) ratio | 9.3215% | 4,340 |
| Tier 1 risk-based capital ratio | 11.3308% | 5,069 |
| Total risk-based capital ratio | 12.2732% | 5,140 |
| Memoranda: | ||
| Average total assets | $1,309,412,670 | 589 |
| Average earning assets | $1,208,480,000 | 583 |
| Average equity | $123,620,670 | 671 |
| Average total loans | $990,368,330 | 547 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 4,112 |
| Cost of funding earning assets | 0.5729% | 1,558 |
| Net interest margin | 3.1297% | 4,567 |
| Noninterest income to average assets | 1.2400% | 664 |
| Noninterest expense to average assets | 3.8738% | 618 |
| Loan and lease loss provision to assets | 0.0559% | 2,687 |
| Net operating income to assets | -0.0182% | 5,614 |
| Return on assets (ROA) | 2.1642% | 246 |
| Pretax return on assets | 3.6130% | 97 |
| Return on Equity (ROE) | 22.8479% | 126 |
| Retained earnings to average equity (ytd only) | 20.7416% | 95 |
| Net charge-offs to loans | -0.0070% | 4,285 |
| Credit loss provision to net charge-offs | -1,058.8235% | 4,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0296% | 414 |
| Assets per employee ($millions) | 3.9786% | 4,049 |
| Cash dividends to net income (ytd only)* | 9.2188% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7390% | 5,232 |
| Loan loss allowance to noncurrent loans | 165.3439% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 3,770 |
| Noncurrent loans to loans | 0.4469% | 3,492 |
| Net loans and leases to total assets | 75.0205% | 1,572 |
| Net loans and leases to deposits | 98.8775% | 696 |
| Net loans and leases to core deposits | 103.7873% | 1,237 |
| Total domestic deposits to total assets | 75.8722% | 5,243 |
| Equity capital to assets | 9.5569% | 4,225 |
| Core capital (leverage) ratio | 9.7179% | 3,849 |
| Tier 1 risk-based capital ratio | 11.7188% | 4,902 |
| Total risk-based capital ratio | 12.6984% | 4,958 |
| Memoranda: | ||
| Average total assets | $1,287,114,000 | 599 |
| Average earning assets | $1,189,744,500 | 599 |
| Average equity | $121,919,500 | 677 |
| Average total loans | $977,909,500 | 557 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8991% | 3,573 |
| Cost of funding earning assets | 0.5750% | 1,516 |
| Net interest margin | 3.3240% | 4,069 |
| Noninterest income to average assets | 1.5948% | 482 |
| Noninterest expense to average assets | 4.0778% | 541 |
| Loan and lease loss provision to assets | 0.0623% | 3,126 |
| Net operating income to assets | 0.3557% | 5,065 |
| Return on assets (ROA) | 0.4366% | 4,920 |
| Pretax return on assets | 0.6191% | 4,737 |
| Return on Equity (ROE) | 5.1159% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.1159% | 2,272 |
| Net charge-offs to loans | -0.0024% | 4,725 |
| Credit loss provision to net charge-offs | -3,260.8696% | 5,427 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1226% | 743 |
| Assets per employee ($millions) | 3.8690% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7406% | 5,266 |
| Loan loss allowance to noncurrent loans | 151.1544% | 2,797 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 3,664 |
| Noncurrent loans to loans | 0.4900% | 3,403 |
| Net loans and leases to total assets | 75.8253% | 1,538 |
| Net loans and leases to deposits | 96.4187% | 959 |
| Net loans and leases to core deposits | 101.0808% | 1,527 |
| Total domestic deposits to total assets | 78.6418% | 4,878 |
| Equity capital to assets | 9.3843% | 4,390 |
| Core capital (leverage) ratio | 9.3980% | 4,225 |
| Tier 1 risk-based capital ratio | 11.6639% | 4,948 |
| Total risk-based capital ratio | 12.6214% | 5,031 |
| Memoranda: | ||
| Average total assets | $1,203,272,600 | 613 |
| Average earning assets | $1,103,571,000 | 603 |
| Average equity | $102,679,600 | 770 |
| Average total loans | $946,266,200 | 536 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 3,483 |
| Cost of funding earning assets | 0.5711% | 1,538 |
| Net interest margin | 3.3621% | 3,985 |
| Noninterest income to average assets | 1.6274% | 466 |
| Noninterest expense to average assets | 4.0628% | 541 |
| Loan and lease loss provision to assets | 0.0639% | 2,955 |
| Net operating income to assets | 0.3966% | 5,026 |
| Return on assets (ROA) | 0.4574% | 4,928 |
| Pretax return on assets | 0.6690% | 4,690 |
| Return on Equity (ROE) | 5.5055% | 4,311 |
| Retained earnings to average equity (ytd only) | 5.5055% | 2,476 |
| Net charge-offs to loans | 0.0008% | 3,924 |
| Credit loss provision to net charge-offs | 9,500.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 954.8100% | 83 |
| Efficiency ratio | 85.6387% | 850 |
| Assets per employee ($millions) | 3.9021% | 4,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7082% | 5,415 |
| Loan loss allowance to noncurrent loans | 272.0738% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2033% | 4,619 |
| Noncurrent loans to loans | 0.2603% | 4,331 |
| Net loans and leases to total assets | 77.5335% | 1,280 |
| Net loans and leases to deposits | 98.9342% | 783 |
| Net loans and leases to core deposits | 104.4086% | 1,312 |
| Total domestic deposits to total assets | 78.3687% | 4,842 |
| Equity capital to assets | 9.3002% | 4,862 |
| Core capital (leverage) ratio | 9.3871% | 4,344 |
| Tier 1 risk-based capital ratio | 11.7577% | 4,945 |
| Total risk-based capital ratio | 12.6642% | 5,042 |
| Memoranda: | ||
| Average total assets | $1,188,771,000 | 617 |
| Average earning assets | $1,088,308,750 | 610 |
| Average equity | $98,759,000 | 800 |
| Average total loans | $941,956,500 | 537 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 3,441 |
| Cost of funding earning assets | 0.5614% | 1,601 |
| Net interest margin | 3.3850% | 3,946 |
| Noninterest income to average assets | 1.6819% | 440 |
| Noninterest expense to average assets | 4.1275% | 522 |
| Loan and lease loss provision to assets | 0.0668% | 2,805 |
| Net operating income to assets | 0.4041% | 5,020 |
| Return on assets (ROA) | 0.4303% | 5,027 |
| Pretax return on assets | 0.6256% | 4,827 |
| Return on Equity (ROE) | 5.4110% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.4110% | 2,479 |
| Net charge-offs to loans | -0.0004% | 4,300 |
| Credit loss provision to net charge-offs | -19,500.0000% | 5,394 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6492% | 913 |
| Assets per employee ($millions) | 3.7884% | 4,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7002% | 5,519 |
| Loan loss allowance to noncurrent loans | 210.7644% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,423 |
| Noncurrent loans to loans | 0.3322% | 4,171 |
| Net loans and leases to total assets | 79.0208% | 1,064 |
| Net loans and leases to deposits | 99.2276% | 761 |
| Net loans and leases to core deposits | 104.8027% | 1,262 |
| Total domestic deposits to total assets | 79.6359% | 4,642 |
| Equity capital to assets | 7.8085% | 5,860 |
| Core capital (leverage) ratio | 7.8971% | 5,781 |
| Tier 1 risk-based capital ratio | 9.5835% | 5,935 |
| Total risk-based capital ratio | 10.4278% | 5,982 |
| Memoranda: | ||
| Average total assets | $1,167,498,330 | 624 |
| Average earning assets | $1,068,013,000 | 619 |
| Average equity | $92,847,670 | 860 |
| Average total loans | $929,907,670 | 541 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9475% | 3,411 |
| Cost of funding earning assets | 0.5499% | 1,714 |
| Net interest margin | 3.3976% | 3,876 |
| Noninterest income to average assets | 1.7874% | 398 |
| Noninterest expense to average assets | 4.1600% | 518 |
| Loan and lease loss provision to assets | 0.0734% | 2,492 |
| Net operating income to assets | 0.4652% | 4,758 |
| Return on assets (ROA) | 0.4450% | 4,929 |
| Pretax return on assets | 0.6518% | 4,674 |
| Return on Equity (ROE) | 5.5427% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.5427% | 2,615 |
| Net charge-offs to loans | -0.0228% | 4,922 |
| Credit loss provision to net charge-offs | -403.8462% | 4,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0296% | 1,155 |
| Assets per employee ($millions) | 3.6783% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7207% | 5,561 |
| Loan loss allowance to noncurrent loans | 227.1948% | 2,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 4,481 |
| Noncurrent loans to loans | 0.3172% | 4,297 |
| Net loans and leases to total assets | 78.0216% | 1,096 |
| Net loans and leases to deposits | 96.9234% | 855 |
| Net loans and leases to core deposits | 101.6580% | 1,365 |
| Total domestic deposits to total assets | 80.4982% | 4,633 |
| Equity capital to assets | 7.9493% | 5,840 |
| Core capital (leverage) ratio | 8.1588% | 5,676 |
| Tier 1 risk-based capital ratio | 9.8897% | 5,929 |
| Total risk-based capital ratio | 10.7404% | 5,989 |
| Memoranda: | ||
| Average total assets | $1,145,102,000 | 633 |
| Average earning assets | $1,051,810,500 | 630 |
| Average equity | $91,940,500 | 864 |
| Average total loans | $912,503,000 | 552 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0228% | 3,223 |
| Cost of funding earning assets | 0.5541% | 1,726 |
| Net interest margin | 3.4687% | 3,643 |
| Noninterest income to average assets | 1.4538% | 579 |
| Noninterest expense to average assets | 4.4129% | 432 |
| Loan and lease loss provision to assets | 0.0772% | 2,735 |
| Net operating income to assets | 0.1061% | 5,746 |
| Return on assets (ROA) | 0.2222% | 5,592 |
| Pretax return on assets | 0.2635% | 5,589 |
| Return on Equity (ROE) | 2.6311% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.6311% | 4,194 |
| Net charge-offs to loans | 0.0723% | 2,802 |
| Credit loss provision to net charge-offs | 134.4000% | 1,954 |
| Earnings coverage of net charge-offs (x) | 3.5408% | 3,713 |
| Efficiency ratio | 94.6416% | 455 |
| Assets per employee ($millions) | 3.5126% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7025% | 5,630 |
| Loan loss allowance to noncurrent loans | 239.3005% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 4,553 |
| Noncurrent loans to loans | 0.2936% | 4,406 |
| Net loans and leases to total assets | 80.2674% | 810 |
| Net loans and leases to deposits | 97.0203% | 905 |
| Net loans and leases to core deposits | 101.9574% | 1,367 |
| Total domestic deposits to total assets | 82.7325% | 3,932 |
| Equity capital to assets | 8.1122% | 5,806 |
| Core capital (leverage) ratio | 8.2426% | 5,651 |
| Tier 1 risk-based capital ratio | 9.8420% | 5,986 |
| Total risk-based capital ratio | 10.6364% | 6,049 |
| Memoranda: | ||
| Average total assets | $1,088,747,800 | 645 |
| Average earning assets | $992,585,000 | 642 |
| Average equity | $91,940,200 | 823 |
| Average total loans | $864,217,000 | 548 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0250% | 3,238 |
| Cost of funding earning assets | 0.5547% | 1,764 |
| Net interest margin | 3.4704% | 3,664 |
| Noninterest income to average assets | 1.4962% | 553 |
| Noninterest expense to average assets | 4.4140% | 431 |
| Loan and lease loss provision to assets | 0.0777% | 2,627 |
| Net operating income to assets | 0.1288% | 5,806 |
| Return on assets (ROA) | 0.2582% | 5,635 |
| Pretax return on assets | 0.3260% | 5,606 |
| Return on Equity (ROE) | 3.0267% | 5,377 |
| Retained earnings to average equity (ytd only) | 3.0267% | 4,285 |
| Net charge-offs to loans | 0.0898% | 2,269 |
| Credit loss provision to net charge-offs | 109.5652% | 2,117 |
| Earnings coverage of net charge-offs (x) | 3.4035% | 3,502 |
| Efficiency ratio | 93.8471% | 496 |
| Assets per employee ($millions) | 3.3981% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7202% | 5,685 |
| Loan loss allowance to noncurrent loans | 183.3038% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 4,447 |
| Noncurrent loans to loans | 0.3929% | 4,207 |
| Net loans and leases to total assets | 77.9009% | 1,115 |
| Net loans and leases to deposits | 94.3843% | 1,159 |
| Net loans and leases to core deposits | 99.8109% | 1,534 |
| Total domestic deposits to total assets | 82.5359% | 3,973 |
| Equity capital to assets | 8.3780% | 5,779 |
| Core capital (leverage) ratio | 8.3852% | 5,639 |
| Tier 1 risk-based capital ratio | 10.2776% | 5,954 |
| Total risk-based capital ratio | 11.0333% | 6,062 |
| Memoranda: | ||
| Average total assets | $1,080,808,750 | 654 |
| Average earning assets | $983,880,500 | 652 |
| Average equity | $92,200,750 | 828 |
| Average total loans | $853,830,750 | 555 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,207 |
| Cost of funding earning assets | 0.5538% | 1,787 |
| Net interest margin | 3.4652% | 3,642 |
| Noninterest income to average assets | 1.5878% | 511 |
| Noninterest expense to average assets | 4.4412% | 447 |
| Loan and lease loss provision to assets | 0.0781% | 2,561 |
| Net operating income to assets | 0.1620% | 5,788 |
| Return on assets (ROA) | 0.3449% | 5,417 |
| Pretax return on assets | 0.4652% | 5,315 |
| Return on Equity (ROE) | 4.0181% | 5,011 |
| Retained earnings to average equity (ytd only) | 4.0181% | 3,455 |
| Net charge-offs to loans | 0.0486% | 2,736 |
| Credit loss provision to net charge-offs | 202.8986% | 1,216 |
| Earnings coverage of net charge-offs (x) | 7.7585% | 2,637 |
| Efficiency ratio | 92.7164% | 597 |
| Assets per employee ($millions) | 3.2524% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7353% | 5,740 |
| Loan loss allowance to noncurrent loans | 149.7058% | 2,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 4,317 |
| Noncurrent loans to loans | 0.4912% | 4,000 |
| Net loans and leases to total assets | 79.0507% | 932 |
| Net loans and leases to deposits | 96.5312% | 907 |
| Net loans and leases to core deposits | 101.7002% | 1,351 |
| Total domestic deposits to total assets | 81.8914% | 4,327 |
| Equity capital to assets | 8.5493% | 5,642 |
| Core capital (leverage) ratio | 8.3741% | 5,655 |
| Tier 1 risk-based capital ratio | 10.0982% | 6,053 |
| Total risk-based capital ratio | 10.9658% | 6,129 |
| Memoranda: | ||
| Average total assets | $1,075,217,000 | 657 |
| Average earning assets | $978,055,330 | 658 |
| Average equity | $92,282,330 | 832 |
| Average total loans | $851,364,000 | 553 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9684% | 3,348 |
| Cost of funding earning assets | 0.5498% | 1,848 |
| Net interest margin | 3.4186% | 3,765 |
| Noninterest income to average assets | 1.6745% | 455 |
| Noninterest expense to average assets | 4.4698% | 436 |
| Loan and lease loss provision to assets | 0.0785% | 2,383 |
| Net operating income to assets | 0.1835% | 5,714 |
| Return on assets (ROA) | 0.2958% | 5,534 |
| Pretax return on assets | 0.3803% | 5,468 |
| Return on Equity (ROE) | 3.4396% | 5,202 |
| Retained earnings to average equity (ytd only) | 3.4396% | 3,925 |
| Net charge-offs to loans | 0.0317% | 2,551 |
| Credit loss provision to net charge-offs | 313.4328% | 786 |
| Earnings coverage of net charge-offs (x) | 12.5970% | 1,785 |
| Efficiency ratio | 92.3498% | 686 |
| Assets per employee ($millions) | 3.4573% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7400% | 5,832 |
| Loan loss allowance to noncurrent loans | 113.1882% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 3,929 |
| Noncurrent loans to loans | 0.6538% | 3,639 |
| Net loans and leases to total assets | 78.4776% | 861 |
| Net loans and leases to deposits | 97.6090% | 709 |
| Net loans and leases to core deposits | 102.7218% | 1,129 |
| Total domestic deposits to total assets | 80.4000% | 4,961 |
| Equity capital to assets | 8.5977% | 5,662 |
| Core capital (leverage) ratio | 8.4718% | 5,544 |
| Tier 1 risk-based capital ratio | 10.0374% | 6,160 |
| Total risk-based capital ratio | 10.9404% | 6,207 |
| Memoranda: | ||
| Average total assets | $1,069,672,500 | 662 |
| Average earning assets | $973,388,500 | 653 |
| Average equity | $91,987,500 | 838 |
| Average total loans | $844,499,000 | 550 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9961% | 3,745 |
| Cost of funding earning assets | 0.6251% | 1,572 |
| Net interest margin | 3.3710% | 4,321 |
| Noninterest income to average assets | 1.3806% | 644 |
| Noninterest expense to average assets | 4.3395% | 527 |
| Loan and lease loss provision to assets | 0.0907% | 2,653 |
| Net operating income to assets | 0.0205% | 6,064 |
| Return on assets (ROA) | 0.4158% | 5,237 |
| Pretax return on assets | 0.5236% | 5,187 |
| Return on Equity (ROE) | 4.6470% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.6470% | 2,864 |
| Net charge-offs to loans | 0.0965% | 3,124 |
| Credit loss provision to net charge-offs | 126.0000% | 1,899 |
| Earnings coverage of net charge-offs (x) | 1.5800% | 4,389 |
| Efficiency ratio | 96.1867% | 493 |
| Assets per employee ($millions) | 3.2843% | 5,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7329% | 5,918 |
| Loan loss allowance to noncurrent loans | 93.4773% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6237% | 3,715 |
| Noncurrent loans to loans | 0.7840% | 3,342 |
| Net loans and leases to total assets | 78.2569% | 968 |
| Net loans and leases to deposits | 97.2771% | 809 |
| Net loans and leases to core deposits | 102.5194% | 1,205 |
| Total domestic deposits to total assets | 80.4475% | 4,894 |
| Equity capital to assets | 8.6015% | 5,646 |
| Core capital (leverage) ratio | 8.2885% | 5,787 |
| Tier 1 risk-based capital ratio | 10.6510% | 6,040 |
| Total risk-based capital ratio | 11.4048% | 6,163 |
| Memoranda: | ||
| Average total assets | $1,042,311,400 | 647 |
| Average earning assets | $950,045,600 | 650 |
| Average equity | $93,263,800 | 796 |
| Average total loans | $776,818,800 | 564 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 3,855 |
| Cost of funding earning assets | 0.6324% | 1,580 |
| Net interest margin | 3.3417% | 4,462 |
| Noninterest income to average assets | 1.3326% | 685 |
| Noninterest expense to average assets | 4.2439% | 588 |
| Loan and lease loss provision to assets | 0.0945% | 2,476 |
| Net operating income to assets | 0.0298% | 6,110 |
| Return on assets (ROA) | 0.4060% | 5,305 |
| Pretax return on assets | 0.5662% | 5,140 |
| Return on Equity (ROE) | 4.4924% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.4924% | 3,458 |
| Net charge-offs to loans | 0.0722% | 3,166 |
| Credit loss provision to net charge-offs | 178.3981% | 1,401 |
| Earnings coverage of net charge-offs (x) | 2.5849% | 3,873 |
| Efficiency ratio | 95.5853% | 520 |
| Assets per employee ($millions) | 3.3034% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7848% | 5,908 |
| Loan loss allowance to noncurrent loans | 108.7318% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 4,237 |
| Noncurrent loans to loans | 0.7218% | 3,804 |
| Net loans and leases to total assets | 74.8237% | 1,392 |
| Net loans and leases to deposits | 93.4350% | 1,085 |
| Net loans and leases to core deposits | 98.9244% | 1,454 |
| Total domestic deposits to total assets | 80.0810% | 5,079 |
| Equity capital to assets | 8.9172% | 5,443 |
| Core capital (leverage) ratio | 8.2541% | 5,881 |
| Tier 1 risk-based capital ratio | 10.8210% | 6,084 |
| Total risk-based capital ratio | 11.6148% | 6,210 |
| Memoranda: | ||
| Average total assets | $1,036,857,250 | 648 |
| Average earning assets | $945,797,000 | 646 |
| Average equity | $93,697,000 | 789 |
| Average total loans | $761,298,000 | 574 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9349% | 3,991 |
| Cost of funding earning assets | 0.6369% | 1,609 |
| Net interest margin | 3.2980% | 4,597 |
| Noninterest income to average assets | 1.2554% | 740 |
| Noninterest expense to average assets | 4.2038% | 596 |
| Loan and lease loss provision to assets | 0.1020% | 2,317 |
| Net operating income to assets | -0.0251% | 6,203 |
| Return on assets (ROA) | 0.4340% | 5,166 |
| Pretax return on assets | 0.6089% | 4,931 |
| Return on Equity (ROE) | 4.7810% | 4,776 |
| Retained earnings to average equity (ytd only) | 4.7810% | 3,100 |
| Net charge-offs to loans | 0.1058% | 2,626 |
| Credit loss provision to net charge-offs | 132.5758% | 1,590 |
| Earnings coverage of net charge-offs (x) | 0.8157% | 3,965 |
| Efficiency ratio | 97.1939% | 502 |
| Assets per employee ($millions) | 3.1348% | 5,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7809% | 6,022 |
| Loan loss allowance to noncurrent loans | 114.0019% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 0.5111% | 4,473 |
| Noncurrent loans to loans | 0.6850% | 4,003 |
| Net loans and leases to total assets | 74.0265% | 1,440 |
| Net loans and leases to deposits | 93.4056% | 1,015 |
| Net loans and leases to core deposits | 98.9254% | 1,376 |
| Total domestic deposits to total assets | 79.2527% | 5,403 |
| Equity capital to assets | 9.0531% | 5,246 |
| Core capital (leverage) ratio | 8.3230% | 5,825 |
| Tier 1 risk-based capital ratio | 10.7198% | 6,163 |
| Total risk-based capital ratio | 11.4914% | 6,282 |
| Memoranda: | ||
| Average total assets | $1,029,017,670 | 649 |
| Average earning assets | $939,549,330 | 649 |
| Average equity | $93,410,670 | 783 |
| Average total loans | $748,501,000 | 580 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9137% | 4,024 |
| Cost of funding earning assets | 0.6391% | 1,655 |
| Net interest margin | 3.2746% | 4,646 |
| Noninterest income to average assets | 1.1688% | 816 |
| Noninterest expense to average assets | 4.1336% | 647 |
| Loan and lease loss provision to assets | 0.0117% | 3,677 |
| Net operating income to assets | 0.0065% | 6,203 |
| Return on assets (ROA) | 0.5121% | 4,705 |
| Pretax return on assets | 0.7385% | 4,357 |
| Return on Equity (ROE) | 5.6341% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.6341% | 2,725 |
| Net charge-offs to loans | 0.0595% | 2,563 |
| Credit loss provision to net charge-offs | 27.5229% | 2,418 |
| Earnings coverage of net charge-offs (x) | 0.6147% | 3,293 |
| Efficiency ratio | 97.9951% | 544 |
| Assets per employee ($millions) | 3.1722% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 6,129 |
| Loan loss allowance to noncurrent loans | 86.9063% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 4,148 |
| Noncurrent loans to loans | 0.9077% | 3,611 |
| Net loans and leases to total assets | 71.8767% | 1,592 |
| Net loans and leases to deposits | 90.3092% | 1,111 |
| Net loans and leases to core deposits | 95.4634% | 1,431 |
| Total domestic deposits to total assets | 79.5896% | 5,571 |
| Equity capital to assets | 9.0749% | 5,026 |
| Core capital (leverage) ratio | 8.3039% | 5,840 |
| Tier 1 risk-based capital ratio | 10.8130% | 6,238 |
| Total risk-based capital ratio | 11.5744% | 6,344 |
| Memoranda: | ||
| Average total assets | $1,021,576,000 | 657 |
| Average earning assets | $933,132,500 | 660 |
| Average equity | $92,863,500 | 786 |
| Average total loans | $733,329,000 | 592 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9413% | 4,315 |
| Cost of funding earning assets | 0.7210% | 1,670 |
| Net interest margin | 3.2202% | 4,931 |
| Noninterest income to average assets | 1.2849% | 836 |
| Noninterest expense to average assets | 4.0037% | 872 |
| Loan and lease loss provision to assets | 0.0849% | 3,414 |
| Net operating income to assets | 0.0956% | 6,053 |
| Return on assets (ROA) | 0.3075% | 5,593 |
| Pretax return on assets | 0.3943% | 5,506 |
| Return on Equity (ROE) | 3.4660% | 5,339 |
| Retained earnings to average equity (ytd only) | 3.4660% | 3,764 |
| Net charge-offs to loans | 0.0749% | 4,159 |
| Credit loss provision to net charge-offs | 165.3465% | 1,378 |
| Earnings coverage of net charge-offs (x) | 4.0554% | 3,685 |
| Efficiency ratio | 93.6432% | 765 |
| Assets per employee ($millions) | 3.1533% | 5,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,115 |
| Loan loss allowance to noncurrent loans | 84.1651% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 0.6966% | 4,164 |
| Noncurrent loans to loans | 0.9796% | 3,563 |
| Net loans and leases to total assets | 70.5255% | 1,932 |
| Net loans and leases to deposits | 88.9823% | 1,351 |
| Net loans and leases to core deposits | 94.3294% | 1,578 |
| Total domestic deposits to total assets | 79.2579% | 5,611 |
| Equity capital to assets | 9.1057% | 4,918 |
| Core capital (leverage) ratio | 8.2248% | 5,950 |
| Tier 1 risk-based capital ratio | 10.6250% | 6,326 |
| Total risk-based capital ratio | 11.3967% | 6,430 |
| Memoranda: | ||
| Average total assets | $983,400,800 | 667 |
| Average earning assets | $893,850,400 | 666 |
| Average equity | $87,247,800 | 807 |
| Average total loans | $674,500,400 | 620 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9597% | 4,286 |
| Cost of funding earning assets | 0.7381% | 1,678 |
| Net interest margin | 3.2216% | 4,925 |
| Noninterest income to average assets | 1.2386% | 959 |
| Noninterest expense to average assets | 3.9334% | 927 |
| Loan and lease loss provision to assets | 0.0923% | 3,231 |
| Net operating income to assets | 0.1034% | 6,133 |
| Return on assets (ROA) | 0.3166% | 5,670 |
| Pretax return on assets | 0.4123% | 5,593 |
| Return on Equity (ROE) | 3.5929% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.5929% | 4,135 |
| Net charge-offs to loans | 0.0243% | 4,641 |
| Credit loss provision to net charge-offs | 557.8512% | 501 |
| Earnings coverage of net charge-offs (x) | 13.8181% | 1,993 |
| Efficiency ratio | 93.0669% | 786 |
| Assets per employee ($millions) | 3.3378% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8546% | 6,172 |
| Loan loss allowance to noncurrent loans | 83.6784% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7017% | 4,356 |
| Noncurrent loans to loans | 1.0213% | 3,757 |
| Net loans and leases to total assets | 68.1203% | 2,274 |
| Net loans and leases to deposits | 86.1052% | 1,604 |
| Net loans and leases to core deposits | 92.4436% | 1,724 |
| Total domestic deposits to total assets | 79.1129% | 5,725 |
| Equity capital to assets | 8.7296% | 5,486 |
| Core capital (leverage) ratio | 8.2934% | 5,974 |
| Tier 1 risk-based capital ratio | 10.7495% | 6,383 |
| Total risk-based capital ratio | 11.5273% | 6,487 |
| Memoranda: | ||
| Average total assets | $975,412,250 | 679 |
| Average earning assets | $885,125,000 | 677 |
| Average equity | $85,946,000 | 833 |
| Average total loans | $662,616,250 | 635 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9768% | 4,200 |
| Cost of funding earning assets | 0.7547% | 1,672 |
| Net interest margin | 3.2220% | 4,864 |
| Noninterest income to average assets | 1.2625% | 968 |
| Noninterest expense to average assets | 3.9501% | 918 |
| Loan and lease loss provision to assets | 0.0930% | 3,237 |
| Net operating income to assets | 0.1098% | 6,111 |
| Return on assets (ROA) | 0.2887% | 5,778 |
| Pretax return on assets | 0.3624% | 5,725 |
| Return on Equity (ROE) | 3.2658% | 5,510 |
| Retained earnings to average equity (ytd only) | 3.2658% | 4,225 |
| Net charge-offs to loans | 0.0263% | 4,328 |
| Credit loss provision to net charge-offs | 523.2558% | 533 |
| Earnings coverage of net charge-offs (x) | 12.9767% | 1,935 |
| Efficiency ratio | 93.0358% | 812 |
| Assets per employee ($millions) | 3.0723% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8600% | 6,232 |
| Loan loss allowance to noncurrent loans | 85.6366% | 3,853 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 4,546 |
| Noncurrent loans to loans | 1.0042% | 3,927 |
| Net loans and leases to total assets | 66.0718% | 2,579 |
| Net loans and leases to deposits | 84.1048% | 1,794 |
| Net loans and leases to core deposits | 90.0825% | 1,900 |
| Total domestic deposits to total assets | 78.5589% | 5,874 |
| Equity capital to assets | 8.6848% | 5,572 |
| Core capital (leverage) ratio | 8.3184% | 5,864 |
| Tier 1 risk-based capital ratio | 10.9515% | 6,355 |
| Total risk-based capital ratio | 11.7256% | 6,489 |
| Memoranda: | ||
| Average total assets | $967,885,330 | 680 |
| Average earning assets | $876,592,330 | 683 |
| Average equity | $85,554,330 | 833 |
| Average total loans | $654,923,000 | 644 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9777% | 4,207 |
| Cost of funding earning assets | 0.7737% | 1,688 |
| Net interest margin | 3.2041% | 4,923 |
| Noninterest income to average assets | 1.3247% | 878 |
| Noninterest expense to average assets | 3.9796% | 905 |
| Loan and lease loss provision to assets | 0.0940% | 3,098 |
| Net operating income to assets | 0.1294% | 6,094 |
| Return on assets (ROA) | 0.2787% | 5,755 |
| Pretax return on assets | 0.3494% | 5,722 |
| Return on Equity (ROE) | 3.1251% | 5,531 |
| Retained earnings to average equity (ytd only) | 3.1251% | 4,398 |
| Net charge-offs to loans | 0.0196% | 3,766 |
| Credit loss provision to net charge-offs | 703.1250% | 400 |
| Earnings coverage of net charge-offs (x) | 19.1563% | 1,235 |
| Efficiency ratio | 92.5118% | 945 |
| Assets per employee ($millions) | 3.2683% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8372% | 6,394 |
| Loan loss allowance to noncurrent loans | 70.8725% | 4,299 |
| Noncurrent assets plus other real estate owned to assets | 0.8127% | 4,339 |
| Noncurrent loans to loans | 1.1812% | 3,795 |
| Net loans and leases to total assets | 67.1037% | 2,171 |
| Net loans and leases to deposits | 85.0382% | 1,463 |
| Net loans and leases to core deposits | 91.1470% | 1,594 |
| Total domestic deposits to total assets | 78.9101% | 5,979 |
| Equity capital to assets | 8.8886% | 5,625 |
| Core capital (leverage) ratio | 8.3574% | 5,755 |
| Tier 1 risk-based capital ratio | 10.9423% | 6,434 |
| Total risk-based capital ratio | 11.7007% | 6,577 |
| Memoranda: | ||
| Average total assets | $957,190,500 | 695 |
| Average earning assets | $869,643,500 | 697 |
| Average equity | $85,373,000 | 845 |
| Average total loans | $652,733,500 | 642 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2956% | 4,207 |
| Cost of funding earning assets | 0.8136% | 2,556 |
| Net interest margin | 3.4820% | 4,579 |
| Noninterest income to average assets | 1.2472% | 999 |
| Noninterest expense to average assets | 4.0063% | 966 |
| Loan and lease loss provision to assets | 0.0971% | 4,433 |
| Net operating income to assets | 0.2313% | 5,699 |
| Return on assets (ROA) | 0.3573% | 5,492 |
| Pretax return on assets | 0.4699% | 5,371 |
| Return on Equity (ROE) | 4.0020% | 5,141 |
| Retained earnings to average equity (ytd only) | 4.0020% | 3,388 |
| Net charge-offs to loans | 0.2004% | 3,774 |
| Credit loss provision to net charge-offs | 69.2308% | 4,197 |
| Earnings coverage of net charge-offs (x) | 2.8700% | 4,001 |
| Efficiency ratio | 89.5264% | 1,108 |
| Assets per employee ($millions) | 3.1667% | 5,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 6,453 |
| Loan loss allowance to noncurrent loans | 93.9281% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 4,696 |
| Noncurrent loans to loans | 0.8710% | 4,440 |
| Net loans and leases to total assets | 68.1678% | 2,156 |
| Net loans and leases to deposits | 84.1404% | 1,738 |
| Net loans and leases to core deposits | 90.0797% | 1,825 |
| Total domestic deposits to total assets | 81.0168% | 5,399 |
| Equity capital to assets | 8.9505% | 5,575 |
| Core capital (leverage) ratio | 8.4601% | 5,681 |
| Tier 1 risk-based capital ratio | 11.3793% | 6,169 |
| Total risk-based capital ratio | 12.1479% | 6,359 |
| Memoranda: | ||
| Average total assets | $926,645,800 | 711 |
| Average earning assets | $841,417,400 | 711 |
| Average equity | $82,733,400 | 850 |
| Average total loans | $648,651,200 | 637 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3370% | 4,304 |
| Cost of funding earning assets | 0.8231% | 2,752 |
| Net interest margin | 3.5139% | 4,587 |
| Noninterest income to average assets | 1.2080% | 1,032 |
| Noninterest expense to average assets | 3.9427% | 1,014 |
| Loan and lease loss provision to assets | 0.0976% | 4,353 |
| Net operating income to assets | 0.2740% | 5,701 |
| Return on assets (ROA) | 0.3706% | 5,566 |
| Pretax return on assets | 0.4902% | 5,493 |
| Return on Equity (ROE) | 4.1538% | 5,230 |
| Retained earnings to average equity (ytd only) | 4.1538% | 3,979 |
| Net charge-offs to loans | 0.2245% | 3,374 |
| Credit loss provision to net charge-offs | 61.8132% | 4,112 |
| Earnings coverage of net charge-offs (x) | 2.9304% | 3,853 |
| Efficiency ratio | 88.1841% | 1,174 |
| Assets per employee ($millions) | 3.3534% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8152% | 6,567 |
| Loan loss allowance to noncurrent loans | 82.6665% | 3,754 |
| Noncurrent assets plus other real estate owned to assets | 0.8187% | 4,655 |
| Noncurrent loans to loans | 0.9861% | 4,472 |
| Net loans and leases to total assets | 69.0275% | 2,107 |
| Net loans and leases to deposits | 85.3617% | 1,678 |
| Net loans and leases to core deposits | 91.7868% | 1,798 |
| Total domestic deposits to total assets | 80.8647% | 5,403 |
| Equity capital to assets | 9.0649% | 5,755 |
| Core capital (leverage) ratio | 8.4594% | 5,810 |
| Tier 1 risk-based capital ratio | 11.1727% | 6,407 |
| Total risk-based capital ratio | 11.9327% | 6,595 |
| Memoranda: | ||
| Average total assets | $922,385,750 | 720 |
| Average earning assets | $839,272,500 | 717 |
| Average equity | $82,300,500 | 854 |
| Average total loans | $648,665,000 | 643 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3788% | 4,265 |
| Cost of funding earning assets | 0.8346% | 2,912 |
| Net interest margin | 3.5443% | 4,490 |
| Noninterest income to average assets | 1.2249% | 955 |
| Noninterest expense to average assets | 4.0385% | 900 |
| Loan and lease loss provision to assets | 0.0979% | 4,313 |
| Net operating income to assets | 0.2461% | 5,775 |
| Return on assets (ROA) | 0.3347% | 5,704 |
| Pretax return on assets | 0.4250% | 5,648 |
| Return on Equity (ROE) | 3.7712% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.7712% | 4,103 |
| Net charge-offs to loans | 0.2356% | 3,158 |
| Credit loss provision to net charge-offs | 58.9005% | 3,829 |
| Earnings coverage of net charge-offs (x) | 2.4869% | 3,765 |
| Efficiency ratio | 89.4032% | 1,127 |
| Assets per employee ($millions) | 3.2185% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8314% | 6,608 |
| Loan loss allowance to noncurrent loans | 93.7250% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7727% | 4,861 |
| Noncurrent loans to loans | 0.8871% | 4,717 |
| Net loans and leases to total assets | 69.1457% | 2,080 |
| Net loans and leases to deposits | 85.3735% | 1,675 |
| Net loans and leases to core deposits | 91.9700% | 1,782 |
| Total domestic deposits to total assets | 80.9920% | 5,471 |
| Equity capital to assets | 8.8795% | 5,829 |
| Core capital (leverage) ratio | 8.4869% | 5,667 |
| Tier 1 risk-based capital ratio | 11.1787% | 6,413 |
| Total risk-based capital ratio | 11.9573% | 6,598 |
| Memoranda: | ||
| Average total assets | $919,099,330 | 721 |
| Average earning assets | $836,847,330 | 721 |
| Average equity | $81,565,000 | 851 |
| Average total loans | $648,622,000 | 637 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 4,199 |
| Cost of funding earning assets | 0.8515% | 3,053 |
| Net interest margin | 3.5784% | 4,359 |
| Noninterest income to average assets | 1.1252% | 1,117 |
| Noninterest expense to average assets | 4.1113% | 814 |
| Loan and lease loss provision to assets | 0.0985% | 4,113 |
| Net operating income to assets | 0.1495% | 6,118 |
| Return on assets (ROA) | 0.2570% | 5,948 |
| Pretax return on assets | 0.2907% | 6,002 |
| Return on Equity (ROE) | 2.8969% | 5,753 |
| Retained earnings to average equity (ytd only) | 2.8969% | 4,804 |
| Net charge-offs to loans | 0.2004% | 2,917 |
| Credit loss provision to net charge-offs | 69.2308% | 2,933 |
| Earnings coverage of net charge-offs (x) | 1.8769% | 3,397 |
| Efficiency ratio | 93.0800% | 878 |
| Assets per employee ($millions) | 3.5151% | 5,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 6,621 |
| Loan loss allowance to noncurrent loans | 84.3538% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 0.9093% | 4,700 |
| Noncurrent loans to loans | 1.0204% | 4,638 |
| Net loans and leases to total assets | 70.3884% | 1,688 |
| Net loans and leases to deposits | 86.9251% | 1,303 |
| Net loans and leases to core deposits | 93.8015% | 1,482 |
| Total domestic deposits to total assets | 80.9759% | 5,616 |
| Equity capital to assets | 8.9341% | 5,591 |
| Core capital (leverage) ratio | 8.4567% | 5,665 |
| Tier 1 risk-based capital ratio | 11.1004% | 6,494 |
| Total risk-based capital ratio | 11.9156% | 6,667 |
| Memoranda: | ||
| Average total assets | $913,579,000 | 730 |
| Average earning assets | $830,547,000 | 726 |
| Average equity | $81,051,500 | 854 |
| Average total loans | $648,661,000 | 641 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 3,970 |
| Cost of funding earning assets | 0.9677% | 3,593 |
| Net interest margin | 3.7951% | 3,844 |
| Noninterest income to average assets | 1.2378% | 852 |
| Noninterest expense to average assets | 4.0015% | 1,036 |
| Loan and lease loss provision to assets | 0.1694% | 4,523 |
| Net operating income to assets | 0.3955% | 4,888 |
| Return on assets (ROA) | 0.4817% | 4,709 |
| Pretax return on assets | 0.6621% | 4,463 |
| Return on Equity (ROE) | 5.4951% | 4,134 |
| Retained earnings to average equity (ytd only) | 5.4951% | 2,303 |
| Net charge-offs to loans | 0.0723% | 5,594 |
| Credit loss provision to net charge-offs | 329.1480% | 710 |
| Earnings coverage of net charge-offs (x) | 13.8879% | 1,507 |
| Efficiency ratio | 83.5392% | 1,818 |
| Assets per employee ($millions) | 3.4722% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 6,572 |
| Loan loss allowance to noncurrent loans | 72.1092% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.9649% | 4,675 |
| Noncurrent loans to loans | 1.2250% | 4,323 |
| Net loans and leases to total assets | 70.3776% | 1,956 |
| Net loans and leases to deposits | 87.6277% | 1,434 |
| Net loans and leases to core deposits | 94.1595% | 1,677 |
| Total domestic deposits to total assets | 80.3144% | 5,660 |
| Equity capital to assets | 8.8091% | 5,785 |
| Core capital (leverage) ratio | 8.4775% | 5,603 |
| Tier 1 risk-based capital ratio | 10.8777% | 6,521 |
| Total risk-based capital ratio | 11.6983% | 6,690 |
| Memoranda: | ||
| Average total assets | $866,802,800 | 752 |
| Average earning assets | $794,435,400 | 742 |
| Average equity | $75,976,400 | 885 |
| Average total loans | $616,994,000 | 679 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 3,511 |
| Cost of funding earning assets | 0.9954% | 3,710 |
| Net interest margin | 3.9138% | 3,315 |
| Noninterest income to average assets | 1.2341% | 855 |
| Noninterest expense to average assets | 4.1730% | 820 |
| Loan and lease loss provision to assets | 0.1129% | 5,012 |
| Net operating income to assets | 0.3781% | 5,091 |
| Return on assets (ROA) | 0.4845% | 4,801 |
| Pretax return on assets | 0.6928% | 4,509 |
| Return on Equity (ROE) | 5.5352% | 4,262 |
| Retained earnings to average equity (ytd only) | 5.5352% | 2,837 |
| Net charge-offs to loans | 0.2139% | 4,099 |
| Credit loss provision to net charge-offs | 74.1309% | 4,352 |
| Earnings coverage of net charge-offs (x) | 4.2914% | 3,116 |
| Efficiency ratio | 85.6668% | 1,570 |
| Assets per employee ($millions) | 3.5868% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6809% | 6,992 |
| Loan loss allowance to noncurrent loans | 57.1005% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 0.9503% | 4,845 |
| Noncurrent loans to loans | 1.1924% | 4,550 |
| Net loans and leases to total assets | 71.2259% | 1,863 |
| Net loans and leases to deposits | 87.5350% | 1,485 |
| Net loans and leases to core deposits | 94.8547% | 1,714 |
| Total domestic deposits to total assets | 81.3684% | 5,305 |
| Equity capital to assets | 8.7987% | 5,981 |
| Core capital (leverage) ratio | 8.2421% | 6,069 |
| Tier 1 risk-based capital ratio | 10.8642% | 6,623 |
| Total risk-based capital ratio | 11.5159% | 6,856 |
| Memoranda: | ||
| Average total assets | $856,077,500 | 769 |
| Average earning assets | $785,824,500 | 758 |
| Average equity | $74,936,250 | 904 |
| Average total loans | $609,759,000 | 691 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9919% | 3,193 |
| Cost of funding earning assets | 1.0314% | 3,736 |
| Net interest margin | 3.9605% | 3,037 |
| Noninterest income to average assets | 1.0725% | 1,143 |
| Noninterest expense to average assets | 4.1521% | 871 |
| Loan and lease loss provision to assets | 0.1192% | 4,781 |
| Net operating income to assets | 0.3132% | 5,318 |
| Return on assets (ROA) | 0.4818% | 4,729 |
| Pretax return on assets | 0.6820% | 4,456 |
| Return on Equity (ROE) | 5.5143% | 4,209 |
| Retained earnings to average equity (ytd only) | 5.5143% | 2,686 |
| Net charge-offs to loans | 0.1369% | 4,378 |
| Credit loss provision to net charge-offs | 122.5490% | 2,484 |
| Earnings coverage of net charge-offs (x) | 5.7966% | 2,526 |
| Efficiency ratio | 87.2157% | 1,488 |
| Assets per employee ($millions) | 3.3729% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7470% | 6,956 |
| Loan loss allowance to noncurrent loans | 60.5553% | 4,420 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 4,865 |
| Noncurrent loans to loans | 1.2336% | 4,601 |
| Net loans and leases to total assets | 70.9950% | 2,008 |
| Net loans and leases to deposits | 87.5741% | 1,556 |
| Net loans and leases to core deposits | 94.8574% | 1,812 |
| Total domestic deposits to total assets | 81.0685% | 5,503 |
| Equity capital to assets | 9.0270% | 5,544 |
| Core capital (leverage) ratio | 8.2661% | 5,921 |
| Tier 1 risk-based capital ratio | 11.2546% | 6,349 |
| Total risk-based capital ratio | 11.9927% | 6,672 |
| Memoranda: | ||
| Average total assets | $838,946,330 | 796 |
| Average earning assets | $771,772,330 | 779 |
| Average equity | $73,299,670 | 927 |
| Average total loans | $596,083,670 | 720 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0900% | 2,688 |
| Cost of funding earning assets | 1.1691% | 3,026 |
| Net interest margin | 3.9209% | 3,040 |
| Noninterest income to average assets | 1.0159% | 1,279 |
| Noninterest expense to average assets | 4.2997% | 728 |
| Loan and lease loss provision to assets | 0.1356% | 4,313 |
| Net operating income to assets | 0.1313% | 6,005 |
| Return on assets (ROA) | 0.3095% | 5,430 |
| Pretax return on assets | 0.4461% | 5,203 |
| Return on Equity (ROE) | 3.6089% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.6089% | 4,019 |
| Net charge-offs to loans | 0.0564% | 4,368 |
| Credit loss provision to net charge-offs | 339.5062% | 960 |
| Earnings coverage of net charge-offs (x) | 8.0988% | 1,863 |
| Efficiency ratio | 92.1314% | 1,155 |
| Assets per employee ($millions) | 3.6317% | 4,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7772% | 6,962 |
| Loan loss allowance to noncurrent loans | 52.0987% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 1.2414% | 4,469 |
| Noncurrent loans to loans | 1.4917% | 4,235 |
| Net loans and leases to total assets | 69.7096% | 2,181 |
| Net loans and leases to deposits | 85.9971% | 1,726 |
| Net loans and leases to core deposits | 93.3442% | 1,971 |
| Total domestic deposits to total assets | 81.0604% | 5,637 |
| Equity capital to assets | 8.8835% | 5,375 |
| Core capital (leverage) ratio | 8.1356% | 6,077 |
| Tier 1 risk-based capital ratio | 11.4425% | 6,148 |
| Total risk-based capital ratio | 12.2207% | 6,504 |
| Memoranda: | ||
| Average total assets | $811,505,500 | 832 |
| Average earning assets | $746,565,500 | 818 |
| Average equity | $69,606,500 | 969 |
| Average total loans | $574,451,000 | 764 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 4,464 |
| Cost of funding earning assets | 1.3144% | 3,792 |
| Net interest margin | 3.7042% | 4,323 |
| Noninterest income to average assets | 1.1999% | 1,040 |
| Noninterest expense to average assets | 3.7506% | 1,588 |
| Loan and lease loss provision to assets | 0.2106% | 5,146 |
| Net operating income to assets | 0.4281% | 4,422 |
| Return on assets (ROA) | 0.4925% | 4,293 |
| Pretax return on assets | 0.7467% | 3,809 |
| Return on Equity (ROE) | 5.9823% | 3,617 |
| Retained earnings to average equity (ytd only) | 5.9823% | 1,829 |
| Net charge-offs to loans | 0.1242% | 5,650 |
| Credit loss provision to net charge-offs | 233.9089% | 1,257 |
| Earnings coverage of net charge-offs (x) | 9.5510% | 1,807 |
| Efficiency ratio | 80.3157% | 2,375 |
| Assets per employee ($millions) | 3.5591% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8986% | 6,731 |
| Loan loss allowance to noncurrent loans | 370.2767% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.4494% | 6,159 |
| Noncurrent loans to loans | 0.2427% | 6,575 |
| Net loans and leases to total assets | 70.7986% | 2,356 |
| Net loans and leases to deposits | 90.6108% | 1,449 |
| Net loans and leases to core deposits | 98.7526% | 1,724 |
| Total domestic deposits to total assets | 78.1348% | 6,286 |
| Equity capital to assets | 8.2027% | 6,258 |
| Core capital (leverage) ratio | 8.0454% | 6,125 |
| Tier 1 risk-based capital ratio | 10.8669% | 6,434 |
| Total risk-based capital ratio | 11.7485% | 6,681 |
| Memoranda: | ||
| Average total assets | $707,645,200 | 942 |
| Average earning assets | $651,528,400 | 938 |
| Average equity | $58,255,600 | 1,141 |
| Average total loans | $512,935,400 | 879 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 4,591 |
| Cost of funding earning assets | 1.3630% | 3,816 |
| Net interest margin | 3.6865% | 4,476 |
| Noninterest income to average assets | 1.1678% | 1,023 |
| Noninterest expense to average assets | 3.6882% | 1,590 |
| Loan and lease loss provision to assets | 0.2117% | 4,949 |
| Net operating income to assets | 0.4350% | 4,608 |
| Return on assets (ROA) | 0.4838% | 4,585 |
| Pretax return on assets | 0.7358% | 4,129 |
| Return on Equity (ROE) | 5.8718% | 3,872 |
| Retained earnings to average equity (ytd only) | 5.8718% | 2,428 |
| Net charge-offs to loans | 0.1083% | 5,456 |
| Credit loss provision to net charge-offs | 268.6747% | 1,226 |
| Earnings coverage of net charge-offs (x) | 11.0843% | 1,820 |
| Efficiency ratio | 79.7819% | 2,371 |
| Assets per employee ($millions) | 3.6235% | 4,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8745% | 6,824 |
| Loan loss allowance to noncurrent loans | 473.9540% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.4330% | 6,339 |
| Noncurrent loans to loans | 0.1845% | 6,812 |
| Net loans and leases to total assets | 71.2273% | 2,424 |
| Net loans and leases to deposits | 91.2790% | 1,541 |
| Net loans and leases to core deposits | 98.7749% | 1,961 |
| Total domestic deposits to total assets | 78.0325% | 6,251 |
| Equity capital to assets | 8.2618% | 6,547 |
| Core capital (leverage) ratio | 8.0387% | 6,290 |
| Tier 1 risk-based capital ratio | 10.6632% | 6,661 |
| Total risk-based capital ratio | 11.5148% | 6,910 |
| Memoranda: | ||
| Average total assets | $702,153,500 | 953 |
| Average earning assets | $646,423,250 | 945 |
| Average equity | $57,857,500 | 1,151 |
| Average total loans | $510,859,500 | 886 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 4,619 |
| Cost of funding earning assets | 1.4149% | 3,781 |
| Net interest margin | 3.6535% | 4,564 |
| Noninterest income to average assets | 1.1594% | 958 |
| Noninterest expense to average assets | 3.5614% | 1,883 |
| Loan and lease loss provision to assets | 0.2227% | 4,673 |
| Net operating income to assets | 0.4839% | 4,398 |
| Return on assets (ROA) | 0.5044% | 4,454 |
| Pretax return on assets | 0.7792% | 3,956 |
| Return on Equity (ROE) | 6.1272% | 3,744 |
| Retained earnings to average equity (ytd only) | 6.1272% | 2,265 |
| Net charge-offs to loans | 0.0393% | 5,816 |
| Credit loss provision to net charge-offs | 775.0000% | 478 |
| Earnings coverage of net charge-offs (x) | 33.7600% | 837 |
| Efficiency ratio | 77.4783% | 2,815 |
| Assets per employee ($millions) | 3.5325% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 6,808 |
| Loan loss allowance to noncurrent loans | 325.5780% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.4372% | 6,359 |
| Noncurrent loans to loans | 0.2717% | 6,686 |
| Net loans and leases to total assets | 72.1879% | 2,344 |
| Net loans and leases to deposits | 92.7814% | 1,425 |
| Net loans and leases to core deposits | 100.6790% | 1,950 |
| Total domestic deposits to total assets | 77.8042% | 6,309 |
| Equity capital to assets | 8.2789% | 6,451 |
| Core capital (leverage) ratio | 8.0669% | 6,171 |
| Tier 1 risk-based capital ratio | 10.7691% | 6,472 |
| Total risk-based capital ratio | 11.6377% | 6,763 |
| Memoranda: | ||
| Average total assets | $695,848,330 | 969 |
| Average earning assets | $642,292,330 | 955 |
| Average equity | $57,285,670 | 1,153 |
| Average total loans | $508,436,330 | 894 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0744% | 4,656 |
| Cost of funding earning assets | 1.4686% | 3,747 |
| Net interest margin | 3.6057% | 4,701 |
| Noninterest income to average assets | 1.1890% | 860 |
| Noninterest expense to average assets | 3.5675% | 1,806 |
| Loan and lease loss provision to assets | 0.2161% | 4,346 |
| Net operating income to assets | 0.4767% | 4,508 |
| Return on assets (ROA) | 0.5014% | 4,526 |
| Pretax return on assets | 0.7729% | 3,979 |
| Return on Equity (ROE) | 6.1079% | 3,824 |
| Retained earnings to average equity (ytd only) | 6.1079% | 2,574 |
| Net charge-offs to loans | 0.0638% | 4,773 |
| Credit loss provision to net charge-offs | 462.9630% | 906 |
| Earnings coverage of net charge-offs (x) | 20.3704% | 1,160 |
| Efficiency ratio | 77.7934% | 2,931 |
| Assets per employee ($millions) | 3.6185% | 4,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 7,107 |
| Loan loss allowance to noncurrent loans | 246.4158% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.4446% | 6,352 |
| Noncurrent loans to loans | 0.3279% | 6,642 |
| Net loans and leases to total assets | 72.8854% | 2,232 |
| Net loans and leases to deposits | 94.5585% | 1,283 |
| Net loans and leases to core deposits | 101.6911% | 1,952 |
| Total domestic deposits to total assets | 77.0797% | 6,542 |
| Equity capital to assets | 8.2943% | 6,307 |
| Core capital (leverage) ratio | 7.9921% | 6,255 |
| Tier 1 risk-based capital ratio | 10.7807% | 6,364 |
| Total risk-based capital ratio | 11.5907% | 6,771 |
| Memoranda: | ||
| Average total assets | $694,053,000 | 991 |
| Average earning assets | $640,866,500 | 976 |
| Average equity | $56,975,500 | 1,163 |
| Average total loans | $507,946,500 | 919 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 5,137 |
| Cost of funding earning assets | 2.0459% | 2,738 |
| Net interest margin | 3.2625% | 5,882 |
| Noninterest income to average assets | 1.1229% | 1,218 |
| Noninterest expense to average assets | 3.4957% | 2,386 |
| Loan and lease loss provision to assets | 0.1654% | 6,036 |
| Net operating income to assets | 0.3345% | 4,392 |
| Return on assets (ROA) | 0.2887% | 4,661 |
| Pretax return on assets | 0.4029% | 4,489 |
| Return on Equity (ROE) | 3.6327% | 4,240 |
| Retained earnings to average equity (ytd only) | 3.6327% | 2,640 |
| Net charge-offs to loans | 0.1370% | 5,843 |
| Credit loss provision to net charge-offs | 162.5183% | 2,709 |
| Earnings coverage of net charge-offs (x) | 6.2079% | 2,414 |
| Efficiency ratio | 83.3797% | 2,433 |
| Assets per employee ($millions) | 3.6301% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7580% | 7,238 |
| Loan loss allowance to noncurrent loans | 177.1970% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 6,197 |
| Noncurrent loans to loans | 0.4278% | 6,408 |
| Net loans and leases to total assets | 72.3388% | 2,672 |
| Net loans and leases to deposits | 93.6365% | 1,650 |
| Net loans and leases to core deposits | 118.9875% | 2,036 |
| Total domestic deposits to total assets | 77.2549% | 6,396 |
| Equity capital to assets | 8.1237% | 6,436 |
| Core capital (leverage) ratio | 7.8095% | 6,438 |
| Tier 1 risk-based capital ratio | 11.1095% | 5,818 |
| Total risk-based capital ratio | 11.9018% | 6,225 |
| Memoranda: | ||
| Average total assets | $670,960,800 | 1,030 |
| Average earning assets | $617,956,200 | 1,009 |
| Average equity | $53,321,600 | 1,239 |
| Average total loans | $498,384,000 | 959 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3314% | 5,266 |
| Cost of funding earning assets | 2.1433% | 2,693 |
| Net interest margin | 3.1881% | 6,065 |
| Noninterest income to average assets | 1.1638% | 1,165 |
| Noninterest expense to average assets | 3.4575% | 2,398 |
| Loan and lease loss provision to assets | 0.1403% | 5,956 |
| Net operating income to assets | 0.3621% | 4,545 |
| Return on assets (ROA) | 0.2765% | 4,984 |
| Pretax return on assets | 0.3815% | 4,844 |
| Return on Equity (ROE) | 3.5000% | 4,574 |
| Retained earnings to average equity (ytd only) | 3.5000% | 3,332 |
| Net charge-offs to loans | 0.1775% | 4,977 |
| Credit loss provision to net charge-offs | 105.9002% | 4,803 |
| Earnings coverage of net charge-offs (x) | 4.8366% | 2,998 |
| Efficiency ratio | 83.0326% | 2,426 |
| Assets per employee ($millions) | 3.6211% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6881% | 7,400 |
| Loan loss allowance to noncurrent loans | 218.4645% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 6,396 |
| Noncurrent loans to loans | 0.3150% | 6,726 |
| Net loans and leases to total assets | 72.2257% | 2,976 |
| Net loans and leases to deposits | 92.8392% | 2,087 |
| Net loans and leases to core deposits | 120.4150% | 2,213 |
| Total domestic deposits to total assets | 77.7965% | 6,143 |
| Equity capital to assets | 8.0279% | 6,826 |
| Core capital (leverage) ratio | 7.8965% | 6,507 |
| Tier 1 risk-based capital ratio | 11.3101% | 5,627 |
| Total risk-based capital ratio | 12.0438% | 6,133 |
| Memoranda: | ||
| Average total assets | $665,363,500 | 1,051 |
| Average earning assets | $612,381,000 | 1,036 |
| Average equity | $52,570,500 | 1,280 |
| Average total loans | $496,632,000 | 987 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 5,193 |
| Cost of funding earning assets | 2.1925% | 2,827 |
| Net interest margin | 3.1992% | 5,918 |
| Noninterest income to average assets | 1.2423% | 995 |
| Noninterest expense to average assets | 3.4970% | 2,342 |
| Loan and lease loss provision to assets | 0.1216% | 5,898 |
| Net operating income to assets | 0.3990% | 4,513 |
| Return on assets (ROA) | 0.3220% | 4,915 |
| Pretax return on assets | 0.4551% | 4,769 |
| Return on Equity (ROE) | 4.0981% | 4,457 |
| Retained earnings to average equity (ytd only) | 4.0981% | 3,014 |
| Net charge-offs to loans | -0.0004% | 7,458 |
| Credit loss provision to net charge-offs | -40,000.0000% | 7,299 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2914% | 2,688 |
| Assets per employee ($millions) | 3.5172% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7727% | 7,244 |
| Loan loss allowance to noncurrent loans | 146.0476% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 6,497 |
| Noncurrent loans to loans | 0.5291% | 6,214 |
| Net loans and leases to total assets | 72.3752% | 3,121 |
| Net loans and leases to deposits | 93.9801% | 2,094 |
| Net loans and leases to core deposits | 120.2524% | 2,351 |
| Total domestic deposits to total assets | 77.0112% | 6,327 |
| Equity capital to assets | 7.8904% | 6,874 |
| Core capital (leverage) ratio | 7.7964% | 6,619 |
| Tier 1 risk-based capital ratio | 10.4056% | 6,476 |
| Total risk-based capital ratio | 11.1717% | 6,943 |
| Memoranda: | ||
| Average total assets | $657,815,000 | 1,087 |
| Average earning assets | $604,522,000 | 1,062 |
| Average equity | $51,683,000 | 1,315 |
| Average total loans | $495,388,670 | 1,004 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4492% | 5,179 |
| Cost of funding earning assets | 2.2321% | 3,006 |
| Net interest margin | 3.2171% | 5,804 |
| Noninterest income to average assets | 1.2633% | 895 |
| Noninterest expense to average assets | 3.5509% | 1,968 |
| Loan and lease loss provision to assets | 0.0924% | 5,775 |
| Net operating income to assets | 0.4034% | 4,845 |
| Return on assets (ROA) | 0.3698% | 5,158 |
| Pretax return on assets | 0.5288% | 4,984 |
| Return on Equity (ROE) | 4.7167% | 4,597 |
| Retained earnings to average equity (ytd only) | 4.7167% | 3,287 |
| Net charge-offs to loans | -0.0016% | 7,104 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8125% | 2,436 |
| Assets per employee ($millions) | 3.5270% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7084% | 7,419 |
| Loan loss allowance to noncurrent loans | 138.7437% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.3886% | 6,338 |
| Noncurrent loans to loans | 0.5106% | 6,150 |
| Net loans and leases to total assets | 75.5727% | 2,374 |
| Net loans and leases to deposits | 99.6802% | 1,455 |
| Net loans and leases to core deposits | 126.8082% | 1,860 |
| Total domestic deposits to total assets | 75.8151% | 6,548 |
| Equity capital to assets | 7.7230% | 7,159 |
| Core capital (leverage) ratio | 7.7175% | 6,864 |
| Tier 1 risk-based capital ratio | 9.9381% | 6,996 |
| Total risk-based capital ratio | 10.6444% | 7,469 |
| Memoranda: | ||
| Average total assets | $649,073,500 | 1,095 |
| Average earning assets | $596,560,500 | 1,080 |
| Average equity | $50,882,500 | 1,346 |
| Average total loans | $496,806,000 | 1,012 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 7,111 |
| Cost of funding earning assets | 2.7219% | 3,056 |
| Net interest margin | 2.8660% | 7,220 |
| Noninterest income to average assets | 1.0975% | 1,307 |
| Noninterest expense to average assets | 3.2459% | 3,165 |
| Loan and lease loss provision to assets | 0.0911% | 6,237 |
| Net operating income to assets | 0.3433% | 5,384 |
| Return on assets (ROA) | 0.1142% | 5,908 |
| Pretax return on assets | 0.1338% | 5,870 |
| Return on Equity (ROE) | 1.3714% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.3714% | 4,394 |
| Net charge-offs to loans | 0.0024% | 6,987 |
| Credit loss provision to net charge-offs | 5,272.7273% | 97 |
| Earnings coverage of net charge-offs (x) | 286.1818% | 168 |
| Efficiency ratio | 85.2889% | 1,922 |
| Assets per employee ($millions) | 3.4149% | 4,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6924% | 7,453 |
| Loan loss allowance to noncurrent loans | 145.5945% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3661% | 6,138 |
| Noncurrent loans to loans | 0.4756% | 5,921 |
| Net loans and leases to total assets | 76.4508% | 2,512 |
| Net loans and leases to deposits | 101.5184% | 1,638 |
| Net loans and leases to core deposits | 129.5653% | 1,882 |
| Total domestic deposits to total assets | 75.3074% | 6,384 |
| Equity capital to assets | 7.9593% | 6,898 |
| Core capital (leverage) ratio | 8.0016% | 6,487 |
| Tier 1 risk-based capital ratio | 10.5210% | 6,190 |
| Total risk-based capital ratio | 11.2327% | 6,636 |
| Memoranda: | ||
| Average total assets | $636,624,000 | 1,054 |
| Average earning assets | $587,059,600 | 1,051 |
| Average equity | $53,009,800 | 1,275 |
| Average total loans | $467,115,200 | 1,037 |