Home > Celtic Bank > Performance and Condition Ratios
Celtic 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 | 10.2694% | 69 |
| Cost of funding earning assets | 2.6151% | 293 |
| Net interest margin | 7.6543% | 38 |
| Noninterest income to average assets | 3.9100% | 153 |
| Noninterest expense to average assets | 3.7774% | 437 |
| Loan and lease loss provision to assets | 0.3400% | 303 |
| Net operating income to assets | 5.2111% | 71 |
| Return on assets (ROA) | 5.2111% | 72 |
| Pretax return on assets | 7.0548% | 65 |
| Return on Equity (ROE) | 27.0400% | 252 |
| Retained earnings to average equity (ytd only) | 24.5688% | 78 |
| Net charge-offs to loans | 0.3077% | 348 |
| Credit loss provision to net charge-offs | 152.3431% | 1,459 |
| Earnings coverage of net charge-offs (x) | 33.0076% | 1,572 |
| Efficiency ratio | 33.3056% | 4,470 |
| Assets per employee ($millions) | 9.5829% | 804 |
| Cash dividends to net income (ytd only)* | 9.1246% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8575% | 484 |
| Loan loss allowance to noncurrent loans | 141.6317% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 0.9648% | 519 |
| Noncurrent loans to loans | 1.3115% | 531 |
| Net loans and leases to total assets | 71.1200% | 1,680 |
| Net loans and leases to deposits | 97.5040% | 678 |
| Net loans and leases to core deposits | 973.3964% | 33 |
| Total domestic deposits to total assets | 72.9400% | 4,171 |
| Equity capital to assets | 18.5335% | 323 |
| Core capital (leverage) ratio | 19.3539% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,523,719,600 | 462 |
| Average earning assets | $2,393,756,000 | 443 |
| Average equity | $486,441,800 | 273 |
| Average total loans | $1,837,711,600 | 432 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1990% | 66 |
| Cost of funding earning assets | 2.5251% | 262 |
| Net interest margin | 7.6739% | 36 |
| Noninterest income to average assets | 4.0000% | 153 |
| Noninterest expense to average assets | 3.9033% | 381 |
| Loan and lease loss provision to assets | 0.3900% | 213 |
| Net operating income to assets | 5.1519% | 72 |
| Return on assets (ROA) | 5.1519% | 72 |
| Pretax return on assets | 6.9619% | 66 |
| Return on Equity (ROE) | 26.4200% | 333 |
| Retained earnings to average equity (ytd only) | 23.8687% | 150 |
| Net charge-offs to loans | 0.0954% | 814 |
| Credit loss provision to net charge-offs | 562.7778% | 583 |
| Earnings coverage of net charge-offs (x) | 105.6810% | 894 |
| Efficiency ratio | 34.4471% | 4,472 |
| Assets per employee ($millions) | 8.1690% | 1,268 |
| Cash dividends to net income (ytd only)* | 9.6471% | 2,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1744% | 309 |
| Loan loss allowance to noncurrent loans | 151.0179% | 2,815 |
| Noncurrent assets plus other real estate owned to assets | 1.1277% | 413 |
| Noncurrent loans to loans | 1.4398% | 511 |
| Net loans and leases to total assets | 73.7700% | 1,364 |
| Net loans and leases to deposits | 104.5009% | 337 |
| Net loans and leases to core deposits | 1,052.5899% | 6 |
| Total domestic deposits to total assets | 70.5900% | 4,307 |
| Equity capital to assets | 19.7083% | 291 |
| Core capital (leverage) ratio | 19.7495% | 285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,414,369,500 | 490 |
| Average earning assets | $2,283,816,000 | 465 |
| Average equity | $470,852,750 | 280 |
| Average total loans | $1,760,679,500 | 451 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9712% | 66 |
| Cost of funding earning assets | 2.4420% | 215 |
| Net interest margin | 7.5292% | 38 |
| Noninterest income to average assets | 4.1300% | 143 |
| Noninterest expense to average assets | 3.9301% | 357 |
| Loan and lease loss provision to assets | 0.2400% | 414 |
| Net operating income to assets | 5.2644% | 64 |
| Return on assets (ROA) | 5.2644% | 65 |
| Pretax return on assets | 7.0649% | 59 |
| Return on Equity (ROE) | 27.1000% | 289 |
| Retained earnings to average equity (ytd only) | 24.4720% | 133 |
| Net charge-offs to loans | 0.0371% | 1,167 |
| Credit loss provision to net charge-offs | 892.0382% | 448 |
| Earnings coverage of net charge-offs (x) | 273.3503% | 488 |
| Efficiency ratio | 34.9861% | 4,492 |
| Assets per employee ($millions) | 8.2146% | 1,224 |
| Cash dividends to net income (ytd only)* | 9.6976% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1763% | 320 |
| Loan loss allowance to noncurrent loans | 199.3975% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.8265% | 614 |
| Noncurrent loans to loans | 1.0914% | 660 |
| Net loans and leases to total assets | 70.2000% | 1,717 |
| Net loans and leases to deposits | 96.0971% | 727 |
| Net loans and leases to core deposits | 994.4733% | 5 |
| Total domestic deposits to total assets | 73.0500% | 4,250 |
| Equity capital to assets | 19.2379% | 303 |
| Core capital (leverage) ratio | 19.4736% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,350,526,333 | 486 |
| Average earning assets | $2,216,334,667 | 470 |
| Average equity | $456,611,000 | 278 |
| Average total loans | $1,692,527,000 | 450 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5424% | 30 |
| Cost of funding earning assets | 2.3195% | 145 |
| Net interest margin | 7.2229% | 37 |
| Noninterest income to average assets | 4.0500% | 146 |
| Noninterest expense to average assets | 3.8484% | 395 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 5.1401% | 75 |
| Return on assets (ROA) | 5.1401% | 75 |
| Pretax return on assets | 6.9416% | 65 |
| Return on Equity (ROE) | 26.3200% | 351 |
| Retained earnings to average equity (ytd only) | 23.6055% | 216 |
| Net charge-offs to loans | 0.0005% | 2,050 |
| Credit loss provision to net charge-offs | 7,300.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 19,725.0000% | 3 |
| Efficiency ratio | 35.5813% | 4,545 |
| Assets per employee ($millions) | 7.7943% | 1,460 |
| Cash dividends to net income (ytd only)* | 10.3079% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1699% | 337 |
| Loan loss allowance to noncurrent loans | 187.5449% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.8254% | 573 |
| Noncurrent loans to loans | 1.1570% | 609 |
| Net loans and leases to total assets | 69.7900% | 1,646 |
| Net loans and leases to deposits | 100.8316% | 410 |
| Net loans and leases to core deposits | 1,005.8634% | 6 |
| Total domestic deposits to total assets | 69.2200% | 4,440 |
| Equity capital to assets | 19.0312% | 263 |
| Core capital (leverage) ratio | 20.0637% | 258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,264,847,500 | 509 |
| Average earning assets | $2,122,317,000 | 494 |
| Average equity | $442,338,000 | 293 |
| Average total loans | $1,633,978,000 | 476 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2252% | 42 |
| Cost of funding earning assets | 1.5371% | 21 |
| Net interest margin | 5.6881% | 69 |
| Noninterest income to average assets | 4.7300% | 134 |
| Noninterest expense to average assets | 4.3011% | 274 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 4.2296% | 75 |
| Return on assets (ROA) | 4.2296% | 71 |
| Pretax return on assets | 5.6795% | 67 |
| Return on Equity (ROE) | 20.5100% | 432 |
| Retained earnings to average equity (ytd only) | 17.7011% | 149 |
| Net charge-offs to loans | 0.2682% | 291 |
| Credit loss provision to net charge-offs | 21.5956% | 1,929 |
| Earnings coverage of net charge-offs (x) | 28.2599% | 1,715 |
| Efficiency ratio | 42.9063% | 4,465 |
| Assets per employee ($millions) | 6.9604% | 2,004 |
| Cash dividends to net income (ytd only)* | 13.6991% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3055% | 262 |
| Loan loss allowance to noncurrent loans | 189.4199% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.8905% | 503 |
| Noncurrent loans to loans | 1.2171% | 577 |
| Net loans and leases to total assets | 71.3600% | 1,486 |
| Net loans and leases to deposits | 101.2227% | 396 |
| Net loans and leases to core deposits | 701.4983% | 7 |
| Total domestic deposits to total assets | 70.5000% | 4,461 |
| Equity capital to assets | 20.0898% | 229 |
| Core capital (leverage) ratio | 21.7521% | 209 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,900,029,400 | 587 |
| Average earning assets | $1,769,775,800 | 571 |
| Average equity | $391,806,800 | 311 |
| Average total loans | $1,434,840,200 | 499 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5813% | 50 |
| Cost of funding earning assets | 1.3790% | 12 |
| Net interest margin | 5.2023% | 96 |
| Noninterest income to average assets | 5.0100% | 136 |
| Noninterest expense to average assets | 4.4968% | 253 |
| Loan and lease loss provision to assets | 0.1100% | 969 |
| Net operating income to assets | 3.9254% | 79 |
| Return on assets (ROA) | 3.9254% | 76 |
| Pretax return on assets | 5.2689% | 71 |
| Return on Equity (ROE) | 18.8900% | 536 |
| Retained earnings to average equity (ytd only) | 16.1054% | 270 |
| Net charge-offs to loans | 0.3676% | 169 |
| Credit loss provision to net charge-offs | 39.2608% | 1,566 |
| Earnings coverage of net charge-offs (x) | 19.1949% | 1,734 |
| Efficiency ratio | 45.5340% | 4,402 |
| Assets per employee ($millions) | 5.8944% | 2,853 |
| Cash dividends to net income (ytd only)* | 14.7612% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6719% | 189 |
| Loan loss allowance to noncurrent loans | 127.5730% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.5630% | 209 |
| Noncurrent loans to loans | 2.0944% | 283 |
| Net loans and leases to total assets | 71.6800% | 1,324 |
| Net loans and leases to deposits | 113.5416% | 88 |
| Net loans and leases to core deposits | 728.2677% | 6 |
| Total domestic deposits to total assets | 63.1300% | 4,608 |
| Equity capital to assets | 21.8041% | 182 |
| Core capital (leverage) ratio | 22.7399% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,840,828,000 | 600 |
| Average earning assets | $1,720,213,250 | 585 |
| Average equity | $382,437,000 | 319 |
| Average total loans | $1,403,328,000 | 500 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0273% | 70 |
| Cost of funding earning assets | 1.1859% | 16 |
| Net interest margin | 4.8413% | 123 |
| Noninterest income to average assets | 5.1863% | 96 |
| Noninterest expense to average assets | 4.5009% | 211 |
| Loan and lease loss provision to assets | 0.1231% | 802 |
| Net operating income to assets | 3.8526% | 46 |
| Return on assets (ROA) | 3.8526% | 43 |
| Pretax return on assets | 5.1015% | 37 |
| Return on Equity (ROE) | 18.8605% | 395 |
| Retained earnings to average equity (ytd only) | 15.6565% | 215 |
| Net charge-offs to loans | 0.3129% | 222 |
| Credit loss provision to net charge-offs | 51.0398% | 1,489 |
| Earnings coverage of net charge-offs (x) | 21.6542% | 1,519 |
| Efficiency ratio | 46.2787% | 4,437 |
| Assets per employee ($millions) | 5.6472% | 3,091 |
| Cash dividends to net income (ytd only)* | 16.9875% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7627% | 182 |
| Loan loss allowance to noncurrent loans | 168.2566% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 1.2617% | 326 |
| Noncurrent loans to loans | 1.6420% | 436 |
| Net loans and leases to total assets | 73.3960% | 964 |
| Net loans and leases to deposits | 124.3924% | 34 |
| Net loans and leases to core deposits | 717.9885% | 8 |
| Total domestic deposits to total assets | 59.0036% | 4,693 |
| Equity capital to assets | 21.4063% | 138 |
| Core capital (leverage) ratio | 24.1288% | 113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,833,563,333 | 594 |
| Average earning assets | $1,719,151,333 | 583 |
| Average equity | $374,540,000 | 331 |
| Average total loans | $1,413,834,667 | 492 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5759% | 88 |
| Cost of funding earning assets | 1.1303% | 16 |
| Net interest margin | 4.4457% | 185 |
| Noninterest income to average assets | 5.5826% | 94 |
| Noninterest expense to average assets | 4.5433% | 199 |
| Loan and lease loss provision to assets | 0.0730% | 1,133 |
| Net operating income to assets | 3.8029% | 54 |
| Return on assets (ROA) | 3.8029% | 52 |
| Pretax return on assets | 5.1390% | 43 |
| Return on Equity (ROE) | 19.0684% | 275 |
| Retained earnings to average equity (ytd only) | 15.8003% | 244 |
| Net charge-offs to loans | 0.3140% | 203 |
| Credit loss provision to net charge-offs | 29.8401% | 1,261 |
| Earnings coverage of net charge-offs (x) | 21.3055% | 1,260 |
| Efficiency ratio | 46.5725% | 4,470 |
| Assets per employee ($millions) | 5.6536% | 3,173 |
| Cash dividends to net income (ytd only)* | 17.1389% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8119% | 190 |
| Loan loss allowance to noncurrent loans | 1,330.5362% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 2,508 |
| Noncurrent loans to loans | 0.2113% | 2,766 |
| Net loans and leases to total assets | 75.3607% | 547 |
| Net loans and leases to deposits | 132.8211% | 15 |
| Net loans and leases to core deposits | 600.2145% | 9 |
| Total domestic deposits to total assets | 56.7385% | 4,739 |
| Equity capital to assets | 21.3645% | 135 |
| Core capital (leverage) ratio | 24.9437% | 93 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,841,145,000 | 595 |
| Average earning assets | $1,728,066,000 | 580 |
| Average equity | $367,184,000 | 346 |
| Average total loans | $1,434,475,500 | 485 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1841% | 3,504 |
| Cost of funding earning assets | 0.7081% | 311 |
| Net interest margin | 2.4760% | 4,221 |
| Noninterest income to average assets | 3.7953% | 146 |
| Noninterest expense to average assets | 2.3051% | 2,780 |
| Loan and lease loss provision to assets | 0.0561% | 1,925 |
| Net operating income to assets | 2.8531% | 111 |
| Return on assets (ROA) | 2.8531% | 113 |
| Pretax return on assets | 3.8296% | 85 |
| Return on Equity (ROE) | 31.3658% | 60 |
| Retained earnings to average equity (ytd only) | 27.9049% | 18 |
| Net charge-offs to loans | 0.1839% | 526 |
| Credit loss provision to net charge-offs | 34.8684% | 2,217 |
| Earnings coverage of net charge-offs (x) | 24.1417% | 1,756 |
| Efficiency ratio | 37.2337% | 4,735 |
| Assets per employee ($millions) | 6.4972% | 2,336 |
| Cash dividends to net income (ytd only)* | 11.0340% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5830% | 247 |
| Loan loss allowance to noncurrent loans | 323.4616% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.6303% | 1,043 |
| Noncurrent loans to loans | 0.7986% | 1,279 |
| Net loans and leases to total assets | 76.2280% | 505 |
| Net loans and leases to deposits | 152.8818% | 7 |
| Net loans and leases to core deposits | 653.2361% | 8 |
| Total domestic deposits to total assets | 49.8607% | 4,793 |
| Equity capital to assets | 18.6524% | 233 |
| Core capital (leverage) ratio | 24.7357% | 95 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,494,125,400 | 334 |
| Average earning assets | $3,380,600,400 | 318 |
| Average equity | $317,836,600 | 382 |
| Average total loans | $3,058,707,600 | 266 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8920% | 4,187 |
| Cost of funding earning assets | 0.6622% | 467 |
| Net interest margin | 2.2298% | 4,547 |
| Noninterest income to average assets | 3.3239% | 175 |
| Noninterest expense to average assets | 2.0077% | 3,649 |
| Loan and lease loss provision to assets | 0.0636% | 1,724 |
| Net operating income to assets | 2.5481% | 202 |
| Return on assets (ROA) | 2.5481% | 208 |
| Pretax return on assets | 3.4182% | 126 |
| Return on Equity (ROE) | 32.2148% | 74 |
| Retained earnings to average equity (ytd only) | 28.7439% | 32 |
| Net charge-offs to loans | 0.1624% | 519 |
| Credit loss provision to net charge-offs | 44.1639% | 1,892 |
| Earnings coverage of net charge-offs (x) | 24.1689% | 1,646 |
| Efficiency ratio | 36.5730% | 4,801 |
| Assets per employee ($millions) | 9.5515% | 748 |
| Cash dividends to net income (ytd only)* | 10.7741% | 2,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8323% | 873 |
| Loan loss allowance to noncurrent loans | 326.1059% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 1,623 |
| Noncurrent loans to loans | 0.5619% | 1,912 |
| Net loans and leases to total assets | 79.6411% | 311 |
| Net loans and leases to deposits | 236.3683% | 5 |
| Net loans and leases to core deposits | 974.2227% | 7 |
| Total domestic deposits to total assets | 33.6936% | 4,886 |
| Equity capital to assets | 12.4415% | 1,202 |
| Core capital (leverage) ratio | 20.3106% | 172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,885,236,500 | 307 |
| Average earning assets | $3,773,352,000 | 297 |
| Average equity | $307,312,750 | 397 |
| Average total loans | $3,445,894,500 | 246 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5980% | 4,547 |
| Cost of funding earning assets | 0.6409% | 605 |
| Net interest margin | 1.9571% | 4,729 |
| Noninterest income to average assets | 3.1644% | 173 |
| Noninterest expense to average assets | 1.6820% | 4,387 |
| Loan and lease loss provision to assets | 0.0641% | 1,757 |
| Net operating income to assets | 2.4793% | 222 |
| Return on assets (ROA) | 2.4793% | 238 |
| Pretax return on assets | 3.3238% | 135 |
| Return on Equity (ROE) | 35.6659% | 62 |
| Retained earnings to average equity (ytd only) | 32.3018% | 29 |
| Net charge-offs to loans | 0.0491% | 1,137 |
| Credit loss provision to net charge-offs | 144.6203% | 1,178 |
| Earnings coverage of net charge-offs (x) | 76.4082% | 857 |
| Efficiency ratio | 33.1756% | 4,880 |
| Assets per employee ($millions) | 14.2002% | 228 |
| Cash dividends to net income (ytd only)* | 9.4324% | 2,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,847 |
| Loan loss allowance to noncurrent loans | 348.2583% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.3250% | 2,297 |
| Noncurrent loans to loans | 0.3489% | 2,656 |
| Net loans and leases to total assets | 89.7145% | 20 |
| Net loans and leases to deposits | 399.7144% | 3 |
| Net loans and leases to core deposits | 1,572.0188% | 7 |
| Total domestic deposits to total assets | 22.4447% | 4,927 |
| Equity capital to assets | 8.1753% | 4,443 |
| Core capital (leverage) ratio | 21.1010% | 146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,276,105,000 | 291 |
| Average earning assets | $4,163,333,000 | 279 |
| Average equity | $297,253,000 | 400 |
| Average total loans | $3,860,962,333 | 229 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4469% | 4,691 |
| Cost of funding earning assets | 0.6218% | 790 |
| Net interest margin | 1.8251% | 4,802 |
| Noninterest income to average assets | 3.6803% | 161 |
| Noninterest expense to average assets | 1.5403% | 4,613 |
| Loan and lease loss provision to assets | 0.0654% | 1,836 |
| Net operating income to assets | 2.8715% | 170 |
| Return on assets (ROA) | 2.8715% | 194 |
| Pretax return on assets | 3.8541% | 115 |
| Return on Equity (ROE) | 44.7559% | 46 |
| Retained earnings to average equity (ytd only) | 41.9612% | 30 |
| Net charge-offs to loans | 0.0710% | 845 |
| Credit loss provision to net charge-offs | 102.2440% | 1,101 |
| Earnings coverage of net charge-offs (x) | 61.3156% | 811 |
| Efficiency ratio | 28.2123% | 4,925 |
| Assets per employee ($millions) | 16.8632% | 144 |
| Cash dividends to net income (ytd only)* | 6.2443% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0023% | 3,828 |
| Loan loss allowance to noncurrent loans | 364.0116% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 2,864 |
| Noncurrent loans to loans | 0.2754% | 3,114 |
| Net loans and leases to total assets | 89.6062% | 25 |
| Net loans and leases to deposits | 434.5027% | 3 |
| Net loans and leases to core deposits | 1,643.1537% | 8 |
| Total domestic deposits to total assets | 20.6227% | 4,954 |
| Equity capital to assets | 6.4034% | 4,910 |
| Core capital (leverage) ratio | 25.4613% | 86 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,461,630,500 | 286 |
| Average earning assets | $4,350,262,000 | 272 |
| Average equity | $286,255,000 | 407 |
| Average total loans | $4,018,198,000 | 223 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9457% | 4,672 |
| Cost of funding earning assets | 0.8074% | 1,173 |
| Net interest margin | 2.1383% | 4,792 |
| Noninterest income to average assets | 4.9927% | 115 |
| Noninterest expense to average assets | 2.3026% | 3,393 |
| Loan and lease loss provision to assets | 1.1102% | 71 |
| Net operating income to assets | 2.7176% | 114 |
| Return on assets (ROA) | 2.7176% | 118 |
| Pretax return on assets | 3.6477% | 82 |
| Return on Equity (ROE) | 34.8614% | 47 |
| Retained earnings to average equity (ytd only) | 33.5691% | 21 |
| Net charge-offs to loans | 0.0843% | 1,619 |
| Credit loss provision to net charge-offs | 1,510.3243% | 549 |
| Earnings coverage of net charge-offs (x) | 64.7264% | 1,031 |
| Efficiency ratio | 32.6120% | 4,948 |
| Assets per employee ($millions) | 15.9789% | 151 |
| Cash dividends to net income (ytd only)* | 3.7070% | 3,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 3,308 |
| Loan loss allowance to noncurrent loans | 345.9861% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.2999% | 2,801 |
| Noncurrent loans to loans | 0.3264% | 3,031 |
| Net loans and leases to total assets | 88.5453% | 38 |
| Net loans and leases to deposits | 389.4641% | 3 |
| Net loans and leases to core deposits | 1,623.8189% | 8 |
| Total domestic deposits to total assets | 22.7352% | 4,977 |
| Equity capital to assets | 6.4299% | 4,963 |
| Core capital (leverage) ratio | 18.7735% | 225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,977,882,400 | 341 |
| Average earning assets | $2,879,677,400 | 324 |
| Average equity | $232,142,400 | 448 |
| Average total loans | $2,596,275,000 | 293 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0780% | 4,682 |
| Cost of funding earning assets | 0.8579% | 1,220 |
| Net interest margin | 2.2201% | 4,811 |
| Noninterest income to average assets | 5.9608% | 97 |
| Noninterest expense to average assets | 2.5278% | 2,746 |
| Loan and lease loss provision to assets | 1.4773% | 60 |
| Net operating income to assets | 3.0902% | 86 |
| Return on assets (ROA) | 3.0902% | 91 |
| Pretax return on assets | 4.0956% | 62 |
| Return on Equity (ROE) | 37.0728% | 38 |
| Retained earnings to average equity (ytd only) | 36.4732% | 22 |
| Net charge-offs to loans | 0.0920% | 1,387 |
| Credit loss provision to net charge-offs | 1,862.5079% | 514 |
| Earnings coverage of net charge-offs (x) | 70.2615% | 992 |
| Efficiency ratio | 31.2046% | 4,985 |
| Assets per employee ($millions) | 16.5488% | 130 |
| Cash dividends to net income (ytd only)* | 1.6173% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0318% | 3,555 |
| Loan loss allowance to noncurrent loans | 367.4891% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.2857% | 3,022 |
| Noncurrent loans to loans | 0.2808% | 3,283 |
| Net loans and leases to total assets | 88.9897% | 60 |
| Net loans and leases to deposits | 393.5926% | 4 |
| Net loans and leases to core deposits | 1,654.1864% | 8 |
| Total domestic deposits to total assets | 22.6096% | 5,009 |
| Equity capital to assets | 5.9294% | 5,010 |
| Core capital (leverage) ratio | 18.2706% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,667,745,750 | 369 |
| Average earning assets | $2,571,186,750 | 354 |
| Average equity | $222,368,000 | 457 |
| Average total loans | $2,300,871,500 | 305 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5879% | 4,280 |
| Cost of funding earning assets | 0.9443% | 1,172 |
| Net interest margin | 2.6435% | 4,614 |
| Noninterest income to average assets | 9.3612% | 66 |
| Noninterest expense to average assets | 3.3252% | 954 |
| Loan and lease loss provision to assets | 2.3864% | 42 |
| Net operating income to assets | 4.6363% | 40 |
| Return on assets (ROA) | 4.6363% | 39 |
| Pretax return on assets | 6.1720% | 32 |
| Return on Equity (ROE) | 46.5935% | 19 |
| Retained earnings to average equity (ytd only) | 45.6491% | 10 |
| Net charge-offs to loans | 0.1752% | 851 |
| Credit loss provision to net charge-offs | 1,625.8003% | 569 |
| Earnings coverage of net charge-offs (x) | 58.3060% | 986 |
| Efficiency ratio | 27.9814% | 5,027 |
| Assets per employee ($millions) | 17.5939% | 109 |
| Cash dividends to net income (ytd only)* | 2.0269% | 3,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 3,791 |
| Loan loss allowance to noncurrent loans | 324.4309% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2938% | 3,137 |
| Noncurrent loans to loans | 0.2937% | 3,329 |
| Net loans and leases to total assets | 87.7243% | 70 |
| Net loans and leases to deposits | 352.7837% | 4 |
| Net loans and leases to core deposits | 1,571.0269% | 7 |
| Total domestic deposits to total assets | 24.8663% | 5,040 |
| Equity capital to assets | 5.7229% | 5,045 |
| Core capital (leverage) ratio | 19.3772% | 235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,128,281,333 | 436 |
| Average earning assets | $2,030,830,333 | 421 |
| Average equity | $211,776,333 | 475 |
| Average total loans | $1,783,165,667 | 376 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8599% | 45 |
| Cost of funding earning assets | 1.6168% | 178 |
| Net interest margin | 6.2431% | 52 |
| Noninterest income to average assets | 6.4520% | 80 |
| Noninterest expense to average assets | 5.5655% | 172 |
| Loan and lease loss provision to assets | 2.6087% | 40 |
| Net operating income to assets | 2.9805% | 65 |
| Return on assets (ROA) | 2.9805% | 66 |
| Pretax return on assets | 3.9580% | 52 |
| Return on Equity (ROE) | 16.3707% | 389 |
| Retained earnings to average equity (ytd only) | 14.3385% | 231 |
| Net charge-offs to loans | 0.6381% | 232 |
| Credit loss provision to net charge-offs | 549.1433% | 835 |
| Earnings coverage of net charge-offs (x) | 13.8232% | 1,632 |
| Efficiency ratio | 45.8740% | 4,835 |
| Assets per employee ($millions) | 5.2394% | 2,381 |
| Cash dividends to net income (ytd only)* | 12.4131% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2545% | 347 |
| Loan loss allowance to noncurrent loans | 154.5543% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0750% | 1,215 |
| Noncurrent loans to loans | 1.4587% | 1,096 |
| Net loans and leases to total assets | 64.0187% | 3,066 |
| Net loans and leases to deposits | 97.3241% | 788 |
| Net loans and leases to core deposits | 376.2454% | 14 |
| Total domestic deposits to total assets | 65.7789% | 4,964 |
| Equity capital to assets | 16.8469% | 459 |
| Core capital (leverage) ratio | 19.4573% | 260 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,081,159,000 | 771 |
| Average earning assets | $983,682,000 | 770 |
| Average equity | $196,840,000 | 504 |
| Average total loans | $804,842,500 | 745 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9926% | 34 |
| Cost of funding earning assets | 2.0850% | 40 |
| Net interest margin | 6.9076% | 41 |
| Noninterest income to average assets | 7.4954% | 77 |
| Noninterest expense to average assets | 6.8078% | 117 |
| Loan and lease loss provision to assets | 0.7186% | 156 |
| Net operating income to assets | 4.6634% | 43 |
| Return on assets (ROA) | 4.6634% | 46 |
| Pretax return on assets | 6.2179% | 40 |
| Return on Equity (ROE) | 24.2994% | 87 |
| Retained earnings to average equity (ytd only) | 21.9869% | 23 |
| Net charge-offs to loans | 0.5910% | 314 |
| Credit loss provision to net charge-offs | 144.9642% | 1,772 |
| Earnings coverage of net charge-offs (x) | 13.9928% | 2,310 |
| Efficiency ratio | 49.5318% | 4,756 |
| Assets per employee ($millions) | 4.3243% | 3,472 |
| Cash dividends to net income (ytd only)* | 9.5166% | 3,762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4200% | 1,453 |
| Loan loss allowance to noncurrent loans | 118.2556% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.1693% | 1,019 |
| Noncurrent loans to loans | 1.2008% | 1,257 |
| Net loans and leases to total assets | 84.1673% | 308 |
| Net loans and leases to deposits | 111.4287% | 162 |
| Net loans and leases to core deposits | 471.1572% | 12 |
| Total domestic deposits to total assets | 75.5346% | 4,651 |
| Equity capital to assets | 19.8682% | 256 |
| Core capital (leverage) ratio | 19.8098% | 244 |
| Tier 1 risk-based capital ratio | 20.7012% | 1,219 |
| Total risk-based capital ratio | 21.9517% | 1,183 |
| Memoranda: | ||
| Average total assets | $901,321,000 | 875 |
| Average earning assets | $815,357,600 | 888 |
| Average equity | $172,975,600 | 535 |
| Average total loans | $755,946,600 | 755 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9648% | 33 |
| Cost of funding earning assets | 2.1281% | 36 |
| Net interest margin | 6.8366% | 41 |
| Noninterest income to average assets | 7.5322% | 76 |
| Noninterest expense to average assets | 7.0531% | 109 |
| Loan and lease loss provision to assets | 0.5999% | 191 |
| Net operating income to assets | 4.5530% | 43 |
| Return on assets (ROA) | 4.5530% | 45 |
| Pretax return on assets | 6.0668% | 39 |
| Return on Equity (ROE) | 23.9569% | 112 |
| Retained earnings to average equity (ytd only) | 21.5745% | 39 |
| Net charge-offs to loans | 0.5221% | 324 |
| Credit loss provision to net charge-offs | 137.6862% | 1,744 |
| Earnings coverage of net charge-offs (x) | 15.3003% | 2,196 |
| Efficiency ratio | 51.4081% | 4,647 |
| Assets per employee ($millions) | 4.2092% | 3,600 |
| Cash dividends to net income (ytd only)* | 9.9446% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3672% | 1,698 |
| Loan loss allowance to noncurrent loans | 120.3652% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 1,180 |
| Noncurrent loans to loans | 1.1359% | 1,398 |
| Net loans and leases to total assets | 82.8374% | 480 |
| Net loans and leases to deposits | 113.9885% | 140 |
| Net loans and leases to core deposits | 463.9214% | 12 |
| Total domestic deposits to total assets | 72.6717% | 4,885 |
| Equity capital to assets | 19.2646% | 290 |
| Core capital (leverage) ratio | 19.8660% | 253 |
| Tier 1 risk-based capital ratio | 20.1606% | 1,340 |
| Total risk-based capital ratio | 21.3914% | 1,312 |
| Memoranda: | ||
| Average total assets | $883,408,500 | 889 |
| Average earning assets | $799,555,500 | 906 |
| Average equity | $167,891,500 | 546 |
| Average total loans | $737,253,500 | 773 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9715% | 32 |
| Cost of funding earning assets | 2.1506% | 28 |
| Net interest margin | 6.8209% | 41 |
| Noninterest income to average assets | 7.2703% | 75 |
| Noninterest expense to average assets | 7.1302% | 108 |
| Loan and lease loss provision to assets | 0.6233% | 178 |
| Net operating income to assets | 4.2765% | 41 |
| Return on assets (ROA) | 4.2765% | 44 |
| Pretax return on assets | 5.7020% | 38 |
| Return on Equity (ROE) | 22.6154% | 149 |
| Retained earnings to average equity (ytd only) | 20.1620% | 60 |
| Net charge-offs to loans | 0.5558% | 277 |
| Credit loss provision to net charge-offs | 134.6867% | 1,619 |
| Earnings coverage of net charge-offs (x) | 13.6682% | 2,082 |
| Efficiency ratio | 52.9911% | 4,566 |
| Assets per employee ($millions) | 3.9933% | 3,869 |
| Cash dividends to net income (ytd only)* | 10.8483% | 3,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,488 |
| Loan loss allowance to noncurrent loans | 148.7791% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 1,471 |
| Noncurrent loans to loans | 0.9620% | 1,692 |
| Net loans and leases to total assets | 80.3246% | 834 |
| Net loans and leases to deposits | 107.2865% | 295 |
| Net loans and leases to core deposits | 462.1524% | 12 |
| Total domestic deposits to total assets | 74.8693% | 4,776 |
| Equity capital to assets | 19.1114% | 289 |
| Core capital (leverage) ratio | 19.4101% | 257 |
| Tier 1 risk-based capital ratio | 20.5705% | 1,238 |
| Total risk-based capital ratio | 21.8210% | 1,209 |
| Memoranda: | ||
| Average total assets | $862,191,670 | 908 |
| Average earning assets | $781,829,670 | 922 |
| Average equity | $163,039,670 | 564 |
| Average total loans | $717,873,330 | 787 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0315% | 32 |
| Cost of funding earning assets | 2.1498% | 25 |
| Net interest margin | 6.8817% | 41 |
| Noninterest income to average assets | 6.5447% | 74 |
| Noninterest expense to average assets | 7.3177% | 98 |
| Loan and lease loss provision to assets | 0.6668% | 152 |
| Net operating income to assets | 3.7174% | 60 |
| Return on assets (ROA) | 3.7174% | 63 |
| Pretax return on assets | 4.7908% | 55 |
| Return on Equity (ROE) | 19.7704% | 279 |
| Retained earnings to average equity (ytd only) | 17.2499% | 175 |
| Net charge-offs to loans | 0.6163% | 243 |
| Credit loss provision to net charge-offs | 128.4932% | 1,361 |
| Earnings coverage of net charge-offs (x) | 10.5169% | 1,958 |
| Efficiency ratio | 57.2801% | 4,173 |
| Assets per employee ($millions) | 3.8099% | 4,177 |
| Cash dividends to net income (ytd only)* | 12.7486% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3923% | 1,704 |
| Loan loss allowance to noncurrent loans | 145.1984% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 0.9927% | 1,409 |
| Noncurrent loans to loans | 0.9589% | 1,739 |
| Net loans and leases to total assets | 84.1946% | 353 |
| Net loans and leases to deposits | 106.4456% | 311 |
| Net loans and leases to core deposits | 453.6916% | 15 |
| Total domestic deposits to total assets | 79.0963% | 4,338 |
| Equity capital to assets | 19.0823% | 280 |
| Core capital (leverage) ratio | 18.6876% | 291 |
| Tier 1 risk-based capital ratio | 19.5152% | 1,435 |
| Total risk-based capital ratio | 20.7630% | 1,412 |
| Memoranda: | ||
| Average total assets | $844,041,000 | 926 |
| Average earning assets | $764,166,500 | 942 |
| Average equity | $158,702,000 | 575 |
| Average total loans | $710,714,500 | 796 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8145% | 31 |
| Cost of funding earning assets | 1.8509% | 21 |
| Net interest margin | 6.9637% | 39 |
| Noninterest income to average assets | 7.7805% | 67 |
| Noninterest expense to average assets | 6.7600% | 111 |
| Loan and lease loss provision to assets | 0.6471% | 167 |
| Net operating income to assets | 5.1580% | 35 |
| Return on assets (ROA) | 5.1580% | 35 |
| Pretax return on assets | 6.6057% | 32 |
| Return on Equity (ROE) | 28.4384% | 46 |
| Retained earnings to average equity (ytd only) | 24.0784% | 23 |
| Net charge-offs to loans | 0.6535% | 258 |
| Credit loss provision to net charge-offs | 119.5229% | 2,177 |
| Earnings coverage of net charge-offs (x) | 13.3956% | 2,463 |
| Efficiency ratio | 48.2416% | 5,034 |
| Assets per employee ($millions) | 3.8818% | 4,054 |
| Cash dividends to net income (ytd only)* | 15.3315% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,615 |
| Loan loss allowance to noncurrent loans | 227.4460% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.7058% | 1,963 |
| Noncurrent loans to loans | 0.6182% | 2,431 |
| Net loans and leases to total assets | 81.8413% | 673 |
| Net loans and leases to deposits | 103.4067% | 515 |
| Net loans and leases to core deposits | 500.7589% | 14 |
| Total domestic deposits to total assets | 79.1451% | 4,281 |
| Equity capital to assets | 18.5193% | 299 |
| Core capital (leverage) ratio | 18.1485% | 319 |
| Tier 1 risk-based capital ratio | 19.0982% | 1,503 |
| Total risk-based capital ratio | 20.3349% | 1,464 |
| Memoranda: | ||
| Average total assets | $758,727,000 | 994 |
| Average earning assets | $679,036,400 | 1,015 |
| Average equity | $137,613,000 | 632 |
| Average total loans | $628,587,400 | 859 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6926% | 28 |
| Cost of funding earning assets | 1.7606% | 21 |
| Net interest margin | 6.9320% | 39 |
| Noninterest income to average assets | 7.5958% | 69 |
| Noninterest expense to average assets | 6.5348% | 116 |
| Loan and lease loss provision to assets | 0.6694% | 150 |
| Net operating income to assets | 5.0290% | 36 |
| Return on assets (ROA) | 5.0290% | 34 |
| Pretax return on assets | 6.5771% | 34 |
| Return on Equity (ROE) | 27.8940% | 48 |
| Retained earnings to average equity (ytd only) | 22.8890% | 36 |
| Net charge-offs to loans | 0.5922% | 252 |
| Credit loss provision to net charge-offs | 136.5109% | 1,835 |
| Earnings coverage of net charge-offs (x) | 14.7784% | 2,265 |
| Efficiency ratio | 47.4183% | 5,078 |
| Assets per employee ($millions) | 3.6562% | 4,366 |
| Cash dividends to net income (ytd only)* | 17.9430% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,349 |
| Loan loss allowance to noncurrent loans | 205.3303% | 2,204 |
| Noncurrent assets plus other real estate owned to assets | 0.7812% | 1,908 |
| Noncurrent loans to loans | 0.7299% | 2,251 |
| Net loans and leases to total assets | 81.8974% | 733 |
| Net loans and leases to deposits | 113.3359% | 200 |
| Net loans and leases to core deposits | 497.1397% | 13 |
| Total domestic deposits to total assets | 72.2608% | 5,108 |
| Equity capital to assets | 18.1101% | 326 |
| Core capital (leverage) ratio | 17.9356% | 334 |
| Tier 1 risk-based capital ratio | 18.6342% | 1,632 |
| Total risk-based capital ratio | 19.8854% | 1,586 |
| Memoranda: | ||
| Average total assets | $738,789,750 | 1,011 |
| Average earning assets | $659,226,250 | 1,041 |
| Average equity | $133,196,250 | 648 |
| Average total loans | $611,732,500 | 873 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5938% | 29 |
| Cost of funding earning assets | 1.6322% | 29 |
| Net interest margin | 6.9616% | 35 |
| Noninterest income to average assets | 8.2732% | 66 |
| Noninterest expense to average assets | 6.5716% | 120 |
| Loan and lease loss provision to assets | 0.8820% | 95 |
| Net operating income to assets | 5.3811% | 32 |
| Return on assets (ROA) | 5.3811% | 32 |
| Pretax return on assets | 7.0200% | 32 |
| Return on Equity (ROE) | 29.8968% | 40 |
| Retained earnings to average equity (ytd only) | 23.7076% | 33 |
| Net charge-offs to loans | 0.7060% | 204 |
| Credit loss provision to net charge-offs | 151.0973% | 1,573 |
| Earnings coverage of net charge-offs (x) | 13.5372% | 2,143 |
| Efficiency ratio | 45.4042% | 5,235 |
| Assets per employee ($millions) | 3.6143% | 4,452 |
| Cash dividends to net income (ytd only)* | 20.7018% | 2,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5671% | 1,186 |
| Loan loss allowance to noncurrent loans | 194.1881% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7958% | 1,884 |
| Noncurrent loans to loans | 0.8070% | 2,114 |
| Net loans and leases to total assets | 81.6731% | 748 |
| Net loans and leases to deposits | 114.4964% | 186 |
| Net loans and leases to core deposits | 458.8397% | 14 |
| Total domestic deposits to total assets | 71.3325% | 5,221 |
| Equity capital to assets | 17.7733% | 346 |
| Core capital (leverage) ratio | 19.1491% | 261 |
| Tier 1 risk-based capital ratio | 18.3486% | 1,714 |
| Total risk-based capital ratio | 19.6007% | 1,679 |
| Memoranda: | ||
| Average total assets | $718,147,000 | 1,041 |
| Average earning assets | $639,624,670 | 1,068 |
| Average equity | $129,258,000 | 666 |
| Average total loans | $593,728,670 | 902 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3507% | 29 |
| Cost of funding earning assets | 1.5792% | 28 |
| Net interest margin | 6.7715% | 36 |
| Noninterest income to average assets | 9.0857% | 59 |
| Noninterest expense to average assets | 6.4476% | 127 |
| Loan and lease loss provision to assets | 1.0497% | 78 |
| Net operating income to assets | 5.8022% | 32 |
| Return on assets (ROA) | 5.8022% | 32 |
| Pretax return on assets | 7.6021% | 30 |
| Return on Equity (ROE) | 32.0120% | 34 |
| Retained earnings to average equity (ytd only) | 19.2277% | 119 |
| Net charge-offs to loans | 0.7484% | 196 |
| Credit loss provision to net charge-offs | 169.9812% | 1,154 |
| Earnings coverage of net charge-offs (x) | 14.0103% | 1,726 |
| Efficiency ratio | 42.7009% | 5,382 |
| Assets per employee ($millions) | 3.5115% | 4,653 |
| Cash dividends to net income (ytd only)* | 39.9361% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7132% | 922 |
| Loan loss allowance to noncurrent loans | 251.1874% | 1,889 |
| Noncurrent assets plus other real estate owned to assets | 0.6976% | 2,236 |
| Noncurrent loans to loans | 0.6820% | 2,506 |
| Net loans and leases to total assets | 81.1129% | 776 |
| Net loans and leases to deposits | 112.0305% | 207 |
| Net loans and leases to core deposits | 406.7808% | 17 |
| Total domestic deposits to total assets | 72.4025% | 5,258 |
| Equity capital to assets | 18.6211% | 274 |
| Core capital (leverage) ratio | 18.1177% | 305 |
| Tier 1 risk-based capital ratio | 19.5073% | 1,436 |
| Total risk-based capital ratio | 20.7613% | 1,404 |
| Memoranda: | ||
| Average total assets | $690,494,000 | 1,082 |
| Average earning assets | $613,217,000 | 1,113 |
| Average equity | $125,153,000 | 686 |
| Average total loans | $569,713,000 | 939 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5148% | 29 |
| Cost of funding earning assets | 1.4881% | 27 |
| Net interest margin | 7.0267% | 39 |
| Noninterest income to average assets | 9.7793% | 59 |
| Noninterest expense to average assets | 7.4832% | 104 |
| Loan and lease loss provision to assets | 0.8640% | 130 |
| Net operating income to assets | 5.2159% | 31 |
| Return on assets (ROA) | 5.2159% | 31 |
| Pretax return on assets | 7.6519% | 26 |
| Return on Equity (ROE) | 30.2573% | 34 |
| Retained earnings to average equity (ytd only) | 28.3724% | 14 |
| Net charge-offs to loans | 1.7098% | 88 |
| Credit loss provision to net charge-offs | 59.8402% | 3,218 |
| Earnings coverage of net charge-offs (x) | 5.8983% | 3,258 |
| Efficiency ratio | 46.7729% | 5,370 |
| Assets per employee ($millions) | 3.5343% | 4,659 |
| Cash dividends to net income (ytd only)* | 6.2294% | 4,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,207 |
| Loan loss allowance to noncurrent loans | 231.9308% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6798% | 2,282 |
| Noncurrent loans to loans | 0.6779% | 2,516 |
| Net loans and leases to total assets | 81.1924% | 801 |
| Net loans and leases to deposits | 111.7817% | 224 |
| Net loans and leases to core deposits | 422.9825% | 17 |
| Total domestic deposits to total assets | 72.6348% | 5,287 |
| Equity capital to assets | 17.6324% | 344 |
| Core capital (leverage) ratio | 17.2690% | 353 |
| Tier 1 risk-based capital ratio | 18.8766% | 1,534 |
| Total risk-based capital ratio | 20.1290% | 1,499 |
| Memoranda: | ||
| Average total assets | $615,536,000 | 1,168 |
| Average earning assets | $544,852,600 | 1,215 |
| Average equity | $106,110,000 | 771 |
| Average total loans | $519,767,400 | 984 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4261% | 32 |
| Cost of funding earning assets | 1.4510% | 25 |
| Net interest margin | 6.9751% | 40 |
| Noninterest income to average assets | 9.3504% | 66 |
| Noninterest expense to average assets | 7.4326% | 105 |
| Loan and lease loss provision to assets | 0.8160% | 131 |
| Net operating income to assets | 4.8677% | 40 |
| Return on assets (ROA) | 4.8677% | 40 |
| Pretax return on assets | 7.2656% | 34 |
| Return on Equity (ROE) | 28.4260% | 38 |
| Retained earnings to average equity (ytd only) | 27.1201% | 19 |
| Net charge-offs to loans | 1.8908% | 77 |
| Credit loss provision to net charge-offs | 50.7652% | 2,902 |
| Earnings coverage of net charge-offs (x) | 5.0278% | 3,161 |
| Efficiency ratio | 47.9086% | 5,345 |
| Assets per employee ($millions) | 3.3297% | 4,945 |
| Cash dividends to net income (ytd only)* | 4.5939% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6089% | 1,218 |
| Loan loss allowance to noncurrent loans | 223.3647% | 2,046 |
| Noncurrent assets plus other real estate owned to assets | 0.7159% | 2,360 |
| Noncurrent loans to loans | 0.7203% | 2,558 |
| Net loans and leases to total assets | 84.9085% | 348 |
| Net loans and leases to deposits | 113.2603% | 197 |
| Net loans and leases to core deposits | 392.8121% | 17 |
| Total domestic deposits to total assets | 74.9676% | 5,130 |
| Equity capital to assets | 17.3740% | 389 |
| Core capital (leverage) ratio | 16.8286% | 400 |
| Tier 1 risk-based capital ratio | 17.9765% | 1,860 |
| Total risk-based capital ratio | 19.2297% | 1,812 |
| Memoranda: | ||
| Average total assets | $596,237,500 | 1,205 |
| Average earning assets | $526,889,000 | 1,258 |
| Average equity | $102,101,250 | 807 |
| Average total loans | $506,852,000 | 1,009 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3453% | 36 |
| Cost of funding earning assets | 1.3954% | 25 |
| Net interest margin | 6.9499% | 42 |
| Noninterest income to average assets | 9.5089% | 63 |
| Noninterest expense to average assets | 7.8361% | 99 |
| Loan and lease loss provision to assets | 0.4034% | 323 |
| Net operating income to assets | 4.9586% | 43 |
| Return on assets (ROA) | 4.9586% | 42 |
| Pretax return on assets | 7.4005% | 32 |
| Return on Equity (ROE) | 29.1152% | 40 |
| Retained earnings to average equity (ytd only) | 27.0854% | 25 |
| Net charge-offs to loans | 1.3193% | 138 |
| Credit loss provision to net charge-offs | 36.1748% | 2,673 |
| Earnings coverage of net charge-offs (x) | 6.9978% | 2,649 |
| Efficiency ratio | 50.1028% | 5,300 |
| Assets per employee ($millions) | 3.2445% | 5,041 |
| Cash dividends to net income (ytd only)* | 6.9716% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0239% | 576 |
| Loan loss allowance to noncurrent loans | 437.5156% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 3,120 |
| Noncurrent loans to loans | 0.4626% | 3,355 |
| Net loans and leases to total assets | 81.9918% | 666 |
| Net loans and leases to deposits | 115.0830% | 181 |
| Net loans and leases to core deposits | 344.1436% | 23 |
| Total domestic deposits to total assets | 71.2458% | 5,496 |
| Equity capital to assets | 17.0055% | 403 |
| Core capital (leverage) ratio | 16.8487% | 381 |
| Tier 1 risk-based capital ratio | 17.7972% | 1,922 |
| Total risk-based capital ratio | 19.0547% | 1,875 |
| Memoranda: | ||
| Average total assets | $578,554,330 | 1,251 |
| Average earning assets | $510,393,000 | 1,293 |
| Average equity | $98,532,670 | 839 |
| Average total loans | $489,031,000 | 1,051 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9849% | 40 |
| Cost of funding earning assets | 1.3259% | 30 |
| Net interest margin | 6.6590% | 45 |
| Noninterest income to average assets | 9.3480% | 60 |
| Noninterest expense to average assets | 8.1902% | 97 |
| Loan and lease loss provision to assets | 0.4588% | 228 |
| Net operating income to assets | 4.4001% | 48 |
| Return on assets (ROA) | 4.4001% | 47 |
| Pretax return on assets | 6.5672% | 38 |
| Return on Equity (ROE) | 25.8150% | 78 |
| Retained earnings to average equity (ytd only) | 25.8150% | 44 |
| Net charge-offs to loans | 0.9497% | 174 |
| Credit loss provision to net charge-offs | 56.8384% | 1,935 |
| Earnings coverage of net charge-offs (x) | 8.7043% | 2,038 |
| Efficiency ratio | 53.8255% | 5,145 |
| Assets per employee ($millions) | 3.1248% | 5,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4870% | 315 |
| Loan loss allowance to noncurrent loans | 384.6669% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6850% | 2,578 |
| Noncurrent loans to loans | 0.6465% | 2,889 |
| Net loans and leases to total assets | 82.7385% | 488 |
| Net loans and leases to deposits | 118.8315% | 97 |
| Net loans and leases to core deposits | 304.9565% | 25 |
| Total domestic deposits to total assets | 69.6268% | 5,641 |
| Equity capital to assets | 17.1683% | 371 |
| Core capital (leverage) ratio | 16.8585% | 373 |
| Tier 1 risk-based capital ratio | 18.0019% | 1,875 |
| Total risk-based capital ratio | 19.2647% | 1,828 |
| Memoranda: | ||
| Average total assets | $557,981,000 | 1,290 |
| Average earning assets | $491,728,000 | 1,340 |
| Average equity | $95,107,500 | 865 |
| Average total loans | $474,246,500 | 1,080 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8902% | 41 |
| Cost of funding earning assets | 1.2965% | 33 |
| Net interest margin | 6.5936% | 52 |
| Noninterest income to average assets | 10.3878% | 60 |
| Noninterest expense to average assets | 7.9191% | 106 |
| Loan and lease loss provision to assets | 0.8515% | 133 |
| Net operating income to assets | 4.9231% | 36 |
| Return on assets (ROA) | 4.9231% | 37 |
| Pretax return on assets | 7.3481% | 30 |
| Return on Equity (ROE) | 30.9108% | 32 |
| Retained earnings to average equity (ytd only) | 30.9108% | 16 |
| Net charge-offs to loans | 0.5356% | 447 |
| Credit loss provision to net charge-offs | 192.7140% | 1,471 |
| Earnings coverage of net charge-offs (x) | 18.5583% | 1,963 |
| Efficiency ratio | 49.1300% | 5,524 |
| Assets per employee ($millions) | 3.0229% | 5,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7098% | 248 |
| Loan loss allowance to noncurrent loans | 213.1409% | 2,152 |
| Noncurrent assets plus other real estate owned to assets | 1.2060% | 1,498 |
| Noncurrent loans to loans | 1.2713% | 1,610 |
| Net loans and leases to total assets | 82.8380% | 498 |
| Net loans and leases to deposits | 106.6849% | 314 |
| Net loans and leases to core deposits | 300.0539% | 26 |
| Total domestic deposits to total assets | 77.6474% | 5,024 |
| Equity capital to assets | 16.9153% | 394 |
| Core capital (leverage) ratio | 16.6778% | 383 |
| Tier 1 risk-based capital ratio | 17.6848% | 1,949 |
| Total risk-based capital ratio | 18.9501% | 1,911 |
| Memoranda: | ||
| Average total assets | $497,026,400 | 1,386 |
| Average earning assets | $431,993,200 | 1,467 |
| Average equity | $79,160,000 | 1,001 |
| Average total loans | $409,971,000 | 1,181 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8207% | 41 |
| Cost of funding earning assets | 1.3055% | 31 |
| Net interest margin | 6.5152% | 52 |
| Noninterest income to average assets | 10.1357% | 62 |
| Noninterest expense to average assets | 7.5931% | 113 |
| Loan and lease loss provision to assets | 1.0672% | 93 |
| Net operating income to assets | 4.7196% | 38 |
| Return on assets (ROA) | 4.7196% | 39 |
| Pretax return on assets | 7.1111% | 33 |
| Return on Equity (ROE) | 30.1580% | 39 |
| Retained earnings to average equity (ytd only) | 30.1580% | 11 |
| Net charge-offs to loans | 0.6363% | 319 |
| Credit loss provision to net charge-offs | 205.1770% | 1,415 |
| Earnings coverage of net charge-offs (x) | 15.7237% | 2,161 |
| Efficiency ratio | 48.1446% | 5,588 |
| Assets per employee ($millions) | 3.0082% | 5,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9666% | 194 |
| Loan loss allowance to noncurrent loans | 229.0606% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1606% | 1,730 |
| Noncurrent loans to loans | 1.2951% | 1,722 |
| Net loans and leases to total assets | 79.0773% | 1,026 |
| Net loans and leases to deposits | 101.8556% | 583 |
| Net loans and leases to core deposits | 275.0301% | 31 |
| Total domestic deposits to total assets | 77.6367% | 4,974 |
| Equity capital to assets | 16.3791% | 501 |
| Core capital (leverage) ratio | 16.2189% | 441 |
| Tier 1 risk-based capital ratio | 17.9496% | 1,939 |
| Total risk-based capital ratio | 19.2180% | 1,897 |
| Memoranda: | ||
| Average total assets | $485,254,000 | 1,423 |
| Average earning assets | $419,746,000 | 1,501 |
| Average equity | $75,940,250 | 1,049 |
| Average total loans | $396,641,500 | 1,207 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8716% | 40 |
| Cost of funding earning assets | 1.3065% | 33 |
| Net interest margin | 6.5650% | 49 |
| Noninterest income to average assets | 10.2698% | 61 |
| Noninterest expense to average assets | 7.8683% | 111 |
| Loan and lease loss provision to assets | 1.0250% | 98 |
| Net operating income to assets | 4.8009% | 38 |
| Return on assets (ROA) | 4.8009% | 38 |
| Pretax return on assets | 7.0224% | 33 |
| Return on Equity (ROE) | 31.2062% | 37 |
| Retained earnings to average equity (ytd only) | 31.2062% | 18 |
| Net charge-offs to loans | 0.6572% | 311 |
| Credit loss provision to net charge-offs | 190.5956% | 1,349 |
| Earnings coverage of net charge-offs (x) | 14.9639% | 2,025 |
| Efficiency ratio | 49.4373% | 5,596 |
| Assets per employee ($millions) | 3.1006% | 5,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8296% | 244 |
| Loan loss allowance to noncurrent loans | 212.8738% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 1,678 |
| Noncurrent loans to loans | 1.3293% | 1,693 |
| Net loans and leases to total assets | 80.3056% | 854 |
| Net loans and leases to deposits | 103.2477% | 495 |
| Net loans and leases to core deposits | 272.3979% | 32 |
| Total domestic deposits to total assets | 77.7796% | 5,040 |
| Equity capital to assets | 15.8176% | 575 |
| Core capital (leverage) ratio | 15.6374% | 506 |
| Tier 1 risk-based capital ratio | 17.6032% | 2,046 |
| Total risk-based capital ratio | 18.8711% | 2,001 |
| Memoranda: | ||
| Average total assets | $474,535,330 | 1,446 |
| Average earning assets | $408,101,670 | 1,536 |
| Average equity | $73,004,670 | 1,089 |
| Average total loans | $388,301,000 | 1,228 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8855% | 40 |
| Cost of funding earning assets | 1.3422% | 30 |
| Net interest margin | 6.5433% | 50 |
| Noninterest income to average assets | 8.5729% | 70 |
| Noninterest expense to average assets | 7.6884% | 116 |
| Loan and lease loss provision to assets | 0.8983% | 112 |
| Net operating income to assets | 3.7196% | 61 |
| Return on assets (ROA) | 3.7196% | 59 |
| Pretax return on assets | 5.5595% | 45 |
| Return on Equity (ROE) | 24.5509% | 107 |
| Retained earnings to average equity (ytd only) | 24.5509% | 51 |
| Net charge-offs to loans | 0.5370% | 405 |
| Credit loss provision to net charge-offs | 205.5446% | 1,057 |
| Earnings coverage of net charge-offs (x) | 14.7762% | 1,685 |
| Efficiency ratio | 54.3497% | 5,357 |
| Assets per employee ($millions) | 3.0526% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7751% | 280 |
| Loan loss allowance to noncurrent loans | 196.4972% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 1.3232% | 1,618 |
| Noncurrent loans to loans | 1.4123% | 1,696 |
| Net loans and leases to total assets | 81.8282% | 583 |
| Net loans and leases to deposits | 100.4918% | 591 |
| Net loans and leases to core deposits | 275.8843% | 30 |
| Total domestic deposits to total assets | 81.4277% | 4,371 |
| Equity capital to assets | 15.1890% | 655 |
| Core capital (leverage) ratio | 15.1685% | 577 |
| Tier 1 risk-based capital ratio | 16.6956% | 2,399 |
| Total risk-based capital ratio | 17.9668% | 2,338 |
| Memoranda: | ||
| Average total assets | $462,201,500 | 1,485 |
| Average earning assets | $393,686,500 | 1,592 |
| Average equity | $70,026,000 | 1,123 |
| Average total loans | $376,170,500 | 1,254 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2647% | 35 |
| Cost of funding earning assets | 1.2704% | 40 |
| Net interest margin | 6.9943% | 44 |
| Noninterest income to average assets | 9.8188% | 66 |
| Noninterest expense to average assets | 7.7274% | 117 |
| Loan and lease loss provision to assets | 1.1667% | 68 |
| Net operating income to assets | 4.7328% | 49 |
| Return on assets (ROA) | 4.7328% | 49 |
| Pretax return on assets | 7.0219% | 35 |
| Return on Equity (ROE) | 32.9324% | 43 |
| Retained earnings to average equity (ytd only) | 31.2354% | 25 |
| Net charge-offs to loans | 2.2461% | 56 |
| Credit loss provision to net charge-offs | 63.9572% | 3,213 |
| Earnings coverage of net charge-offs (x) | 4.4888% | 3,549 |
| Efficiency ratio | 48.5512% | 5,821 |
| Assets per employee ($millions) | 3.0907% | 5,429 |
| Cash dividends to net income (ytd only)* | 5.1530% | 4,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9702% | 225 |
| Loan loss allowance to noncurrent loans | 375.3747% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.9981% | 2,200 |
| Noncurrent loans to loans | 0.7913% | 2,813 |
| Net loans and leases to total assets | 76.1438% | 1,394 |
| Net loans and leases to deposits | 91.5146% | 1,452 |
| Net loans and leases to core deposits | 250.3979% | 32 |
| Total domestic deposits to total assets | 83.2041% | 3,771 |
| Equity capital to assets | 15.1102% | 649 |
| Core capital (leverage) ratio | 15.6056% | 519 |
| Tier 1 risk-based capital ratio | 17.0326% | 2,270 |
| Total risk-based capital ratio | 18.3033% | 2,216 |
| Memoranda: | ||
| Average total assets | $410,031,800 | 1,609 |
| Average earning assets | $357,448,400 | 1,692 |
| Average equity | $58,926,800 | 1,278 |
| Average total loans | $333,027,400 | 1,342 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4322% | 33 |
| Cost of funding earning assets | 1.2523% | 49 |
| Net interest margin | 7.1799% | 41 |
| Noninterest income to average assets | 9.8017% | 69 |
| Noninterest expense to average assets | 7.6854% | 122 |
| Loan and lease loss provision to assets | 1.4043% | 40 |
| Net operating income to assets | 4.7084% | 50 |
| Return on assets (ROA) | 4.7084% | 50 |
| Pretax return on assets | 7.0346% | 35 |
| Return on Equity (ROE) | 33.2451% | 36 |
| Retained earnings to average equity (ytd only) | 33.2451% | 20 |
| Net charge-offs to loans | 2.8358% | 38 |
| Credit loss provision to net charge-offs | 60.3931% | 2,904 |
| Earnings coverage of net charge-offs (x) | 3.6293% | 3,477 |
| Efficiency ratio | 47.6635% | 5,886 |
| Assets per employee ($millions) | 3.1817% | 5,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9829% | 245 |
| Loan loss allowance to noncurrent loans | 366.3863% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 1.1562% | 2,055 |
| Noncurrent loans to loans | 0.8141% | 2,931 |
| Net loans and leases to total assets | 79.1520% | 933 |
| Net loans and leases to deposits | 94.5773% | 1,129 |
| Net loans and leases to core deposits | 265.8412% | 34 |
| Total domestic deposits to total assets | 83.6902% | 3,542 |
| Equity capital to assets | 14.8752% | 772 |
| Core capital (leverage) ratio | 15.8290% | 512 |
| Tier 1 risk-based capital ratio | 17.5002% | 2,188 |
| Total risk-based capital ratio | 18.7729% | 2,138 |
| Memoranda: | ||
| Average total assets | $399,728,250 | 1,661 |
| Average earning assets | $351,993,000 | 1,729 |
| Average equity | $56,612,500 | 1,329 |
| Average total loans | $327,755,750 | 1,369 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7197% | 32 |
| Cost of funding earning assets | 1.2776% | 40 |
| Net interest margin | 7.4422% | 39 |
| Noninterest income to average assets | 10.1448% | 71 |
| Noninterest expense to average assets | 7.8790% | 115 |
| Loan and lease loss provision to assets | 1.9574% | 24 |
| Net operating income to assets | 4.3295% | 57 |
| Return on assets (ROA) | 4.3295% | 57 |
| Pretax return on assets | 6.8539% | 40 |
| Return on Equity (ROE) | 31.1448% | 56 |
| Retained earnings to average equity (ytd only) | 31.1448% | 28 |
| Net charge-offs to loans | 2.2617% | 58 |
| Credit loss provision to net charge-offs | 105.3576% | 1,977 |
| Earnings coverage of net charge-offs (x) | 4.7426% | 3,001 |
| Efficiency ratio | 47.2071% | 5,996 |
| Assets per employee ($millions) | 3.2184% | 5,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0974% | 98 |
| Loan loss allowance to noncurrent loans | 238.4246% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 1,155 |
| Noncurrent loans to loans | 1.7185% | 1,498 |
| Net loans and leases to total assets | 75.5943% | 1,421 |
| Net loans and leases to deposits | 94.9372% | 1,053 |
| Net loans and leases to core deposits | 251.3338% | 33 |
| Total domestic deposits to total assets | 79.6257% | 4,948 |
| Equity capital to assets | 14.0221% | 975 |
| Core capital (leverage) ratio | 14.3136% | 757 |
| Tier 1 risk-based capital ratio | 16.0258% | 2,843 |
| Total risk-based capital ratio | 17.3096% | 2,784 |
| Memoranda: | ||
| Average total assets | $389,795,330 | 1,708 |
| Average earning assets | $342,831,000 | 1,785 |
| Average equity | $54,185,670 | 1,396 |
| Average total loans | $320,197,000 | 1,402 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8690% | 30 |
| Cost of funding earning assets | 1.2773% | 43 |
| Net interest margin | 7.5918% | 36 |
| Noninterest income to average assets | 11.1576% | 68 |
| Noninterest expense to average assets | 7.8906% | 121 |
| Loan and lease loss provision to assets | 2.9032% | 17 |
| Net operating income to assets | 4.4359% | 52 |
| Return on assets (ROA) | 4.4359% | 55 |
| Pretax return on assets | 7.0972% | 42 |
| Return on Equity (ROE) | 32.0641% | 50 |
| Retained earnings to average equity (ytd only) | 32.0641% | 21 |
| Net charge-offs to loans | 1.6295% | 114 |
| Credit loss provision to net charge-offs | 212.1705% | 1,016 |
| Earnings coverage of net charge-offs (x) | 7.3085% | 2,182 |
| Efficiency ratio | 44.1039% | 6,175 |
| Assets per employee ($millions) | 3.0410% | 5,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3504% | 97 |
| Loan loss allowance to noncurrent loans | 486.3018% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 1.4051% | 1,887 |
| Noncurrent loans to loans | 0.8946% | 3,003 |
| Net loans and leases to total assets | 79.7034% | 718 |
| Net loans and leases to deposits | 95.0223% | 898 |
| Net loans and leases to core deposits | 255.3010% | 34 |
| Total domestic deposits to total assets | 83.8786% | 3,860 |
| Equity capital to assets | 13.4158% | 1,209 |
| Core capital (leverage) ratio | 13.9088% | 851 |
| Tier 1 risk-based capital ratio | 15.6781% | 3,069 |
| Total risk-based capital ratio | 16.9688% | 2,989 |
| Memoranda: | ||
| Average total assets | $377,106,000 | 1,770 |
| Average earning assets | $334,468,000 | 1,838 |
| Average equity | $52,170,500 | 1,454 |
| Average total loans | $316,667,000 | 1,414 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5786% | 37 |
| Cost of funding earning assets | 1.4698% | 31 |
| Net interest margin | 7.1088% | 46 |
| Noninterest income to average assets | 8.9557% | 74 |
| Noninterest expense to average assets | 7.7867% | 113 |
| Loan and lease loss provision to assets | 1.5195% | 55 |
| Net operating income to assets | 3.7103% | 64 |
| Return on assets (ROA) | 3.7459% | 64 |
| Pretax return on assets | 5.9696% | 45 |
| Return on Equity (ROE) | 25.7152% | 93 |
| Retained earnings to average equity (ytd only) | 22.3732% | 51 |
| Net charge-offs to loans | 0.7363% | 491 |
| Credit loss provision to net charge-offs | 245.2593% | 1,037 |
| Earnings coverage of net charge-offs (x) | 11.9984% | 2,431 |
| Efficiency ratio | 51.1600% | 6,034 |
| Assets per employee ($millions) | 2.6297% | 6,080 |
| Cash dividends to net income (ytd only)* | 12.9960% | 4,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4599% | 95 |
| Loan loss allowance to noncurrent loans | 361.7575% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 1.6597% | 1,618 |
| Noncurrent loans to loans | 1.2328% | 2,390 |
| Net loans and leases to total assets | 80.9398% | 631 |
| Net loans and leases to deposits | 101.1270% | 562 |
| Net loans and leases to core deposits | 476.2955% | 20 |
| Total domestic deposits to total assets | 80.0377% | 5,006 |
| Equity capital to assets | 14.3186% | 867 |
| Core capital (leverage) ratio | 14.6984% | 666 |
| Tier 1 risk-based capital ratio | 17.6768% | 2,250 |
| Total risk-based capital ratio | 18.9700% | 2,197 |
| Memoranda: | ||
| Average total assets | $308,127,000 | 2,113 |
| Average earning assets | $271,535,200 | 2,186 |
| Average equity | $44,884,000 | 1,607 |
| Average total loans | $259,286,800 | 1,636 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4940% | 37 |
| Cost of funding earning assets | 1.5154% | 25 |
| Net interest margin | 6.9786% | 49 |
| Noninterest income to average assets | 7.7135% | 84 |
| Noninterest expense to average assets | 7.4798% | 121 |
| Loan and lease loss provision to assets | 1.1536% | 86 |
| Net operating income to assets | 3.2632% | 85 |
| Return on assets (ROA) | 3.3122% | 82 |
| Pretax return on assets | 5.2984% | 57 |
| Return on Equity (ROE) | 22.6250% | 169 |
| Retained earnings to average equity (ytd only) | 22.6250% | 47 |
| Net charge-offs to loans | 0.5077% | 760 |
| Credit loss provision to net charge-offs | 270.5882% | 987 |
| Earnings coverage of net charge-offs (x) | 14.9538% | 2,096 |
| Efficiency ratio | 53.9854% | 5,825 |
| Assets per employee ($millions) | 2.5672% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2678% | 127 |
| Loan loss allowance to noncurrent loans | 317.7509% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 2.1634% | 1,287 |
| Noncurrent loans to loans | 1.3431% | 2,397 |
| Net loans and leases to total assets | 82.3607% | 479 |
| Net loans and leases to deposits | 106.4068% | 312 |
| Net loans and leases to core deposits | 717.4624% | 17 |
| Total domestic deposits to total assets | 77.4017% | 5,615 |
| Equity capital to assets | 14.4354% | 865 |
| Core capital (leverage) ratio | 14.8639% | 647 |
| Tier 1 risk-based capital ratio | 17.4030% | 2,427 |
| Total risk-based capital ratio | 18.6888% | 2,380 |
| Memoranda: | ||
| Average total assets | $297,720,000 | 2,188 |
| Average earning assets | $262,014,250 | 2,273 |
| Average equity | $43,585,000 | 1,657 |
| Average total loans | $250,032,000 | 1,700 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3105% | 39 |
| Cost of funding earning assets | 1.5608% | 20 |
| Net interest margin | 6.7497% | 53 |
| Noninterest income to average assets | 7.7689% | 83 |
| Noninterest expense to average assets | 7.6304% | 113 |
| Loan and lease loss provision to assets | 1.1224% | 86 |
| Net operating income to assets | 3.2670% | 79 |
| Return on assets (ROA) | 3.3455% | 77 |
| Pretax return on assets | 5.0691% | 61 |
| Return on Equity (ROE) | 22.7318% | 175 |
| Retained earnings to average equity (ytd only) | 22.7318% | 59 |
| Net charge-offs to loans | 0.5879% | 686 |
| Credit loss provision to net charge-offs | 229.4452% | 1,055 |
| Earnings coverage of net charge-offs (x) | 12.4139% | 2,063 |
| Efficiency ratio | 55.6848% | 5,776 |
| Assets per employee ($millions) | 2.1512% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4139% | 128 |
| Loan loss allowance to noncurrent loans | 281.4530% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 2.3933% | 1,205 |
| Noncurrent loans to loans | 1.5682% | 2,209 |
| Net loans and leases to total assets | 82.8020% | 392 |
| Net loans and leases to deposits | 102.0538% | 447 |
| Net loans and leases to core deposits | 759.4618% | 18 |
| Total domestic deposits to total assets | 81.1356% | 4,937 |
| Equity capital to assets | 15.1062% | 678 |
| Core capital (leverage) ratio | 16.0241% | 475 |
| Tier 1 risk-based capital ratio | 17.5618% | 2,394 |
| Total risk-based capital ratio | 18.8518% | 2,354 |
| Memoranda: | ||
| Average total assets | $287,428,000 | 2,241 |
| Average earning assets | $252,693,670 | 2,332 |
| Average equity | $42,302,000 | 1,696 |
| Average total loans | $239,143,000 | 1,763 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1359% | 39 |
| Cost of funding earning assets | 1.5578% | 25 |
| Net interest margin | 6.5781% | 60 |
| Noninterest income to average assets | 7.7565% | 80 |
| Noninterest expense to average assets | 8.0791% | 110 |
| Loan and lease loss provision to assets | 1.0060% | 109 |
| Net operating income to assets | 2.8086% | 109 |
| Return on assets (ROA) | 2.8086% | 114 |
| Pretax return on assets | 4.4909% | 69 |
| Return on Equity (ROE) | 19.3517% | 337 |
| Retained earnings to average equity (ytd only) | 19.3517% | 132 |
| Net charge-offs to loans | 0.9803% | 343 |
| Credit loss provision to net charge-offs | 126.0638% | 1,403 |
| Earnings coverage of net charge-offs (x) | 6.8883% | 2,183 |
| Efficiency ratio | 59.5102% | 5,469 |
| Assets per employee ($millions) | 2.2863% | 6,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5493% | 126 |
| Loan loss allowance to noncurrent loans | 262.7295% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 2.5918% | 1,206 |
| Noncurrent loans to loans | 1.7315% | 2,235 |
| Net loans and leases to total assets | 77.7337% | 794 |
| Net loans and leases to deposits | 98.1003% | 537 |
| Net loans and leases to core deposits | 800.8652% | 18 |
| Total domestic deposits to total assets | 79.2390% | 5,644 |
| Equity capital to assets | 14.7040% | 735 |
| Core capital (leverage) ratio | 15.0029% | 603 |
| Tier 1 risk-based capital ratio | 17.5996% | 2,449 |
| Total risk-based capital ratio | 18.8896% | 2,399 |
| Memoranda: | ||
| Average total assets | $282,706,500 | 2,281 |
| Average earning assets | $250,102,500 | 2,356 |
| Average equity | $41,030,000 | 1,740 |
| Average total loans | $230,131,500 | 1,824 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0071% | 50 |
| Cost of funding earning assets | 1.8343% | 16 |
| Net interest margin | 6.1727% | 68 |
| Noninterest income to average assets | 8.0015% | 80 |
| Noninterest expense to average assets | 7.4888% | 128 |
| Loan and lease loss provision to assets | 1.8422% | 56 |
| Net operating income to assets | 2.4649% | 178 |
| Return on assets (ROA) | 2.4649% | 180 |
| Pretax return on assets | 4.0655% | 72 |
| Return on Equity (ROE) | 17.4891% | 457 |
| Retained earnings to average equity (ytd only) | 14.7801% | 178 |
| Net charge-offs to loans | 0.9622% | 620 |
| Credit loss provision to net charge-offs | 235.3659% | 973 |
| Earnings coverage of net charge-offs (x) | 7.5478% | 2,820 |
| Efficiency ratio | 55.9010% | 5,960 |
| Assets per employee ($millions) | 2.3900% | 6,466 |
| Cash dividends to net income (ytd only)* | 15.4895% | 3,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5890% | 122 |
| Loan loss allowance to noncurrent loans | 264.5300% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 2.6424% | 1,274 |
| Noncurrent loans to loans | 1.7348% | 2,317 |
| Net loans and leases to total assets | 77.6327% | 868 |
| Net loans and leases to deposits | 97.4620% | 627 |
| Net loans and leases to core deposits | 440.9905% | 23 |
| Total domestic deposits to total assets | 79.6543% | 5,520 |
| Equity capital to assets | 14.3184% | 824 |
| Core capital (leverage) ratio | 14.8484% | 622 |
| Tier 1 risk-based capital ratio | 17.5534% | 2,388 |
| Total risk-based capital ratio | 18.8055% | 2,366 |
| Memoranda: | ||
| Average total assets | $261,912,400 | 2,417 |
| Average earning assets | $228,910,000 | 2,524 |
| Average equity | $36,914,400 | 1,871 |
| Average total loans | $213,047,200 | 1,908 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0265% | 47 |
| Cost of funding earning assets | 1.8882% | 14 |
| Net interest margin | 6.1383% | 71 |
| Noninterest income to average assets | 7.5120% | 89 |
| Noninterest expense to average assets | 7.4820% | 131 |
| Loan and lease loss provision to assets | 1.6182% | 71 |
| Net operating income to assets | 2.2349% | 243 |
| Return on assets (ROA) | 2.2349% | 251 |
| Pretax return on assets | 3.7464% | 84 |
| Return on Equity (ROE) | 15.9257% | 656 |
| Retained earnings to average equity (ytd only) | 15.9257% | 162 |
| Net charge-offs to loans | 0.8792% | 662 |
| Credit loss provision to net charge-offs | 226.2853% | 1,078 |
| Earnings coverage of net charge-offs (x) | 7.5018% | 2,788 |
| Efficiency ratio | 58.2410% | 5,655 |
| Assets per employee ($millions) | 2.3848% | 6,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4623% | 167 |
| Loan loss allowance to noncurrent loans | 142.8637% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 4.4926% | 676 |
| Noncurrent loans to loans | 3.1235% | 1,268 |
| Net loans and leases to total assets | 73.4537% | 1,373 |
| Net loans and leases to deposits | 92.3171% | 960 |
| Net loans and leases to core deposits | 374.1985% | 25 |
| Total domestic deposits to total assets | 79.5667% | 5,619 |
| Equity capital to assets | 14.1835% | 913 |
| Core capital (leverage) ratio | 14.4550% | 745 |
| Tier 1 risk-based capital ratio | 19.6604% | 1,826 |
| Total risk-based capital ratio | 20.9231% | 1,782 |
| Memoranda: | ||
| Average total assets | $257,483,750 | 2,475 |
| Average earning assets | $223,770,000 | 2,593 |
| Average equity | $36,133,500 | 1,924 |
| Average total loans | $209,428,250 | 1,939 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8708% | 49 |
| Cost of funding earning assets | 1.9296% | 13 |
| Net interest margin | 5.9412% | 87 |
| Noninterest income to average assets | 6.9029% | 102 |
| Noninterest expense to average assets | 7.7469% | 124 |
| Loan and lease loss provision to assets | 1.5991% | 76 |
| Net operating income to assets | 1.6650% | 667 |
| Return on assets (ROA) | 1.6650% | 731 |
| Pretax return on assets | 2.6638% | 217 |
| Return on Equity (ROE) | 11.9107% | 1,521 |
| Retained earnings to average equity (ytd only) | 11.9107% | 510 |
| Net charge-offs to loans | 0.5350% | 1,235 |
| Credit loss provision to net charge-offs | 360.2862% | 725 |
| Earnings coverage of net charge-offs (x) | 9.6047% | 2,256 |
| Efficiency ratio | 64.5048% | 4,788 |
| Assets per employee ($millions) | 2.4284% | 6,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9617% | 261 |
| Loan loss allowance to noncurrent loans | 121.5647% | 2,987 |
| Noncurrent assets plus other real estate owned to assets | 5.7928% | 482 |
| Noncurrent loans to loans | 3.2589% | 1,348 |
| Net loans and leases to total assets | 82.7740% | 309 |
| Net loans and leases to deposits | 100.0511% | 423 |
| Net loans and leases to core deposits | 726.9801% | 21 |
| Total domestic deposits to total assets | 82.7317% | 4,806 |
| Equity capital to assets | 13.7310% | 1,041 |
| Core capital (leverage) ratio | 14.3799% | 731 |
| Tier 1 risk-based capital ratio | 17.3737% | 2,566 |
| Total risk-based capital ratio | 18.6643% | 2,521 |
| Memoranda: | ||
| Average total assets | $251,895,330 | 2,535 |
| Average earning assets | $216,521,000 | 2,680 |
| Average equity | $35,212,000 | 1,975 |
| Average total loans | $208,952,670 | 1,943 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8368% | 45 |
| Cost of funding earning assets | 1.9789% | 10 |
| Net interest margin | 5.8579% | 91 |
| Noninterest income to average assets | 5.4118% | 133 |
| Noninterest expense to average assets | 6.7169% | 161 |
| Loan and lease loss provision to assets | 1.3656% | 110 |
| Net operating income to assets | 1.4590% | 938 |
| Return on assets (ROA) | 1.4590% | 1,015 |
| Pretax return on assets | 2.3219% | 344 |
| Return on Equity (ROE) | 10.3369% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.3369% | 1,024 |
| Net charge-offs to loans | 0.5769% | 1,057 |
| Credit loss provision to net charge-offs | 291.6084% | 821 |
| Earnings coverage of net charge-offs (x) | 7.8741% | 2,009 |
| Efficiency ratio | 64.5578% | 4,911 |
| Assets per employee ($millions) | 2.1631% | 6,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1342% | 252 |
| Loan loss allowance to noncurrent loans | 116.8089% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 6.4234% | 472 |
| Noncurrent loans to loans | 3.5393% | 1,350 |
| Net loans and leases to total assets | 79.3264% | 492 |
| Net loans and leases to deposits | 97.1240% | 483 |
| Net loans and leases to core deposits | 800.3572% | 22 |
| Total domestic deposits to total assets | 81.6753% | 5,303 |
| Equity capital to assets | 14.5451% | 866 |
| Core capital (leverage) ratio | 14.2428% | 732 |
| Tier 1 risk-based capital ratio | 16.7621% | 2,879 |
| Total risk-based capital ratio | 18.0457% | 2,826 |
| Memoranda: | ||
| Average total assets | $244,280,000 | 2,639 |
| Average earning assets | $208,196,500 | 2,800 |
| Average equity | $34,478,500 | 2,051 |
| Average total loans | $198,313,000 | 2,042 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.5539% | 31 |
| Cost of funding earning assets | 2.2894% | 12 |
| Net interest margin | 7.2645% | 49 |
| Noninterest income to average assets | 5.8790% | 120 |
| Noninterest expense to average assets | 6.4718% | 186 |
| Loan and lease loss provision to assets | 2.3747% | 69 |
| Net operating income to assets | 1.9092% | 423 |
| Return on assets (ROA) | 1.9092% | 469 |
| Pretax return on assets | 3.0549% | 138 |
| Return on Equity (ROE) | 13.3277% | 1,148 |
| Retained earnings to average equity (ytd only) | 8.7769% | 886 |
| Net charge-offs to loans | 2.1843% | 314 |
| Credit loss provision to net charge-offs | 139.9590% | 1,969 |
| Earnings coverage of net charge-offs (x) | 3.2001% | 3,832 |
| Efficiency ratio | 54.3785% | 6,230 |
| Assets per employee ($millions) | 2.9230% | 6,124 |
| Cash dividends to net income (ytd only)* | 34.1452% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8728% | 314 |
| Loan loss allowance to noncurrent loans | 161.1859% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 5.4324% | 690 |
| Noncurrent loans to loans | 2.4027% | 2,223 |
| Net loans and leases to total assets | 76.5850% | 843 |
| Net loans and leases to deposits | 101.4243% | 358 |
| Net loans and leases to core deposits | 908.6338% | 24 |
| Total domestic deposits to total assets | 75.5096% | 6,411 |
| Equity capital to assets | 13.6980% | 1,156 |
| Core capital (leverage) ratio | 14.4775% | 678 |
| Tier 1 risk-based capital ratio | 16.2141% | 3,041 |
| Total risk-based capital ratio | 17.4945% | 2,983 |
| Memoranda: | ||
| Average total assets | $230,091,200 | 2,722 |
| Average earning assets | $190,748,800 | 2,947 |
| Average equity | $32,961,400 | 2,092 |
| Average total loans | $178,727,800 | 2,219 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7514% | 29 |
| Cost of funding earning assets | 2.4138% | 7 |
| Net interest margin | 7.3376% | 46 |
| Noninterest income to average assets | 5.4266% | 134 |
| Noninterest expense to average assets | 6.2910% | 191 |
| Loan and lease loss provision to assets | 2.3183% | 77 |
| Net operating income to assets | 1.7874% | 579 |
| Return on assets (ROA) | 1.7874% | 653 |
| Pretax return on assets | 2.8599% | 178 |
| Return on Equity (ROE) | 12.3284% | 1,523 |
| Retained earnings to average equity (ytd only) | 12.3284% | 480 |
| Net charge-offs to loans | 0.5098% | 2,080 |
| Credit loss provision to net charge-offs | 589.6241% | 450 |
| Earnings coverage of net charge-offs (x) | 13.1700% | 1,937 |
| Efficiency ratio | 54.8510% | 6,159 |
| Assets per employee ($millions) | 3.1239% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3713% | 111 |
| Loan loss allowance to noncurrent loans | 128.1763% | 2,618 |
| Noncurrent assets plus other real estate owned to assets | 7.4123% | 454 |
| Noncurrent loans to loans | 4.1906% | 1,183 |
| Net loans and leases to total assets | 73.3288% | 1,346 |
| Net loans and leases to deposits | 91.7192% | 1,000 |
| Net loans and leases to core deposits | 687.7121% | 26 |
| Total domestic deposits to total assets | 79.9492% | 5,665 |
| Equity capital to assets | 15.1887% | 778 |
| Core capital (leverage) ratio | 15.0200% | 604 |
| Tier 1 risk-based capital ratio | 17.6791% | 2,468 |
| Total risk-based capital ratio | 18.9740% | 2,421 |
| Memoranda: | ||
| Average total assets | $225,501,000 | 2,799 |
| Average earning assets | $185,705,500 | 3,041 |
| Average equity | $32,693,500 | 2,129 |
| Average total loans | $173,924,000 | 2,297 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9462% | 26 |
| Cost of funding earning assets | 2.4884% | 9 |
| Net interest margin | 7.4578% | 44 |
| Noninterest income to average assets | 5.1982% | 136 |
| Noninterest expense to average assets | 6.2394% | 200 |
| Loan and lease loss provision to assets | 2.2189% | 107 |
| Net operating income to assets | 1.7883% | 579 |
| Return on assets (ROA) | 1.7883% | 647 |
| Pretax return on assets | 2.8614% | 179 |
| Return on Equity (ROE) | 12.5327% | 1,492 |
| Retained earnings to average equity (ytd only) | 12.5327% | 502 |
| Net charge-offs to loans | 0.6847% | 1,617 |
| Credit loss provision to net charge-offs | 420.8403% | 702 |
| Earnings coverage of net charge-offs (x) | 9.6353% | 2,149 |
| Efficiency ratio | 55.1198% | 6,213 |
| Assets per employee ($millions) | 3.4142% | 5,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6448% | 209 |
| Loan loss allowance to noncurrent loans | 99.4787% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 8.0419% | 428 |
| Noncurrent loans to loans | 4.6691% | 1,109 |
| Net loans and leases to total assets | 71.9315% | 1,565 |
| Net loans and leases to deposits | 89.3217% | 1,217 |
| Net loans and leases to core deposits | 888.5145% | 24 |
| Total domestic deposits to total assets | 80.5308% | 5,606 |
| Equity capital to assets | 14.4952% | 921 |
| Core capital (leverage) ratio | 14.5215% | 691 |
| Tier 1 risk-based capital ratio | 17.3815% | 2,515 |
| Total risk-based capital ratio | 18.6679% | 2,468 |
| Memoranda: | ||
| Average total assets | $225,693,330 | 2,810 |
| Average earning assets | $185,256,670 | 3,055 |
| Average equity | $32,203,670 | 2,141 |
| Average total loans | $173,800,000 | 2,311 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5094% | 23 |
| Cost of funding earning assets | 2.5061% | 9 |
| Net interest margin | 8.0034% | 36 |
| Noninterest income to average assets | 5.0909% | 133 |
| Noninterest expense to average assets | 6.0545% | 198 |
| Loan and lease loss provision to assets | 2.2805% | 119 |
| Net operating income to assets | 2.0931% | 358 |
| Return on assets (ROA) | 2.0931% | 412 |
| Pretax return on assets | 3.3493% | 135 |
| Return on Equity (ROE) | 14.7889% | 1,015 |
| Retained earnings to average equity (ytd only) | 14.7889% | 471 |
| Net charge-offs to loans | 0.2614% | 2,624 |
| Credit loss provision to net charge-offs | 1,121.0526% | 310 |
| Earnings coverage of net charge-offs (x) | 27.6754% | 985 |
| Efficiency ratio | 51.8173% | 6,559 |
| Assets per employee ($millions) | 4.0081% | 3,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2662% | 303 |
| Loan loss allowance to noncurrent loans | 81.5663% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 8.2717% | 454 |
| Noncurrent loans to loans | 5.2303% | 1,045 |
| Net loans and leases to total assets | 72.6838% | 1,278 |
| Net loans and leases to deposits | 90.6178% | 909 |
| Net loans and leases to core deposits | 1,079.8319% | 24 |
| Total domestic deposits to total assets | 80.2092% | 5,804 |
| Equity capital to assets | 14.3963% | 892 |
| Core capital (leverage) ratio | 14.6501% | 664 |
| Tier 1 risk-based capital ratio | 17.1486% | 2,624 |
| Total risk-based capital ratio | 18.4308% | 2,571 |
| Memoranda: | ||
| Average total assets | $224,164,500 | 2,842 |
| Average earning assets | $184,672,000 | 3,085 |
| Average equity | $31,726,500 | 2,169 |
| Average total loans | $174,420,500 | 2,318 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2847% | 31 |
| Cost of funding earning assets | 2.6639% | 17 |
| Net interest margin | 6.6209% | 63 |
| Noninterest income to average assets | 4.9640% | 125 |
| Noninterest expense to average assets | 5.4605% | 269 |
| Loan and lease loss provision to assets | 1.6037% | 441 |
| Net operating income to assets | 2.1535% | 245 |
| Return on assets (ROA) | 2.1535% | 261 |
| Pretax return on assets | 3.4454% | 95 |
| Return on Equity (ROE) | 15.9883% | 602 |
| Retained earnings to average equity (ytd only) | 11.3391% | 364 |
| Net charge-offs to loans | 1.1076% | 1,554 |
| Credit loss provision to net charge-offs | 186.8505% | 1,382 |
| Earnings coverage of net charge-offs (x) | 5.8828% | 2,655 |
| Efficiency ratio | 51.9572% | 6,703 |
| Assets per employee ($millions) | 4.4775% | 2,951 |
| Cash dividends to net income (ytd only)* | 29.0786% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4221% | 564 |
| Loan loss allowance to noncurrent loans | 91.0256% | 3,296 |
| Noncurrent assets plus other real estate owned to assets | 7.5310% | 579 |
| Noncurrent loans to loans | 3.7595% | 1,671 |
| Net loans and leases to total assets | 76.9730% | 828 |
| Net loans and leases to deposits | 96.1887% | 661 |
| Net loans and leases to core deposits | 1,041.1068% | 25 |
| Total domestic deposits to total assets | 80.0229% | 5,738 |
| Equity capital to assets | 13.9095% | 1,096 |
| Core capital (leverage) ratio | 14.5812% | 696 |
| Tier 1 risk-based capital ratio | 16.8317% | 2,674 |
| Total risk-based capital ratio | 18.1068% | 2,630 |
| Memoranda: | ||
| Average total assets | $219,740,400 | 2,839 |
| Average earning assets | $184,054,800 | 3,037 |
| Average equity | $29,596,600 | 2,223 |
| Average total loans | $170,275,600 | 2,372 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0381% | 39 |
| Cost of funding earning assets | 2.7053% | 18 |
| Net interest margin | 6.3328% | 73 |
| Noninterest income to average assets | 3.8913% | 160 |
| Noninterest expense to average assets | 5.2757% | 293 |
| Loan and lease loss provision to assets | 0.8108% | 1,148 |
| Net operating income to assets | 1.9539% | 374 |
| Return on assets (ROA) | 1.9539% | 413 |
| Pretax return on assets | 3.1262% | 127 |
| Return on Equity (ROE) | 14.6290% | 911 |
| Retained earnings to average equity (ytd only) | 14.6290% | 252 |
| Net charge-offs to loans | 1.3148% | 1,172 |
| Credit loss provision to net charge-offs | 80.1688% | 4,136 |
| Earnings coverage of net charge-offs (x) | 3.8927% | 3,255 |
| Efficiency ratio | 57.2657% | 6,104 |
| Assets per employee ($millions) | 4.3791% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5877% | 1,283 |
| Loan loss allowance to noncurrent loans | 47.9162% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 8.5000% | 491 |
| Noncurrent loans to loans | 5.4005% | 1,107 |
| Net loans and leases to total assets | 72.6130% | 1,582 |
| Net loans and leases to deposits | 88.3076% | 1,394 |
| Net loans and leases to core deposits | 1,293.1364% | 24 |
| Total domestic deposits to total assets | 82.2273% | 4,998 |
| Equity capital to assets | 14.4420% | 1,012 |
| Core capital (leverage) ratio | 14.1459% | 865 |
| Tier 1 risk-based capital ratio | 17.2958% | 2,526 |
| Total risk-based capital ratio | 18.5588% | 2,482 |
| Memoranda: | ||
| Average total assets | $218,706,500 | 2,854 |
| Average earning assets | $183,780,500 | 3,055 |
| Average equity | $29,210,750 | 2,254 |
| Average total loans | $168,237,000 | 2,407 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0199% | 41 |
| Cost of funding earning assets | 2.6888% | 21 |
| Net interest margin | 6.3311% | 75 |
| Noninterest income to average assets | 3.1352% | 219 |
| Noninterest expense to average assets | 5.1317% | 334 |
| Loan and lease loss provision to assets | 0.5861% | 1,652 |
| Net operating income to assets | 1.7348% | 559 |
| Return on assets (ROA) | 1.7348% | 604 |
| Pretax return on assets | 2.7753% | 172 |
| Return on Equity (ROE) | 13.3413% | 1,126 |
| Retained earnings to average equity (ytd only) | 13.3413% | 368 |
| Net charge-offs to loans | 1.7860% | 789 |
| Credit loss provision to net charge-offs | 42.2397% | 4,772 |
| Earnings coverage of net charge-offs (x) | 2.4224% | 3,605 |
| Efficiency ratio | 60.4216% | 5,813 |
| Assets per employee ($millions) | 4.4802% | 2,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1421% | 2,027 |
| Loan loss allowance to noncurrent loans | 40.3284% | 5,633 |
| Noncurrent assets plus other real estate owned to assets | 8.0426% | 571 |
| Noncurrent loans to loans | 5.3116% | 1,209 |
| Net loans and leases to total assets | 74.6235% | 1,299 |
| Net loans and leases to deposits | 90.6225% | 1,208 |
| Net loans and leases to core deposits | 1,251.2106% | 27 |
| Total domestic deposits to total assets | 82.3455% | 5,047 |
| Equity capital to assets | 13.5257% | 1,275 |
| Core capital (leverage) ratio | 13.7643% | 929 |
| Tier 1 risk-based capital ratio | 15.9321% | 3,011 |
| Total risk-based capital ratio | 17.1904% | 2,977 |
| Memoranda: | ||
| Average total assets | $220,083,330 | 2,864 |
| Average earning assets | $186,255,670 | 3,043 |
| Average equity | $28,618,000 | 2,275 |
| Average total loans | $170,999,670 | 2,397 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8052% | 136 |
| Cost of funding earning assets | 2.7468% | 20 |
| Net interest margin | 4.0584% | 2,445 |
| Noninterest income to average assets | 3.6286% | 180 |
| Noninterest expense to average assets | 5.0009% | 363 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3051% | 1,252 |
| Return on assets (ROA) | 1.3051% | 1,296 |
| Pretax return on assets | 2.0875% | 483 |
| Return on Equity (ROE) | 10.2420% | 2,015 |
| Retained earnings to average equity (ytd only) | 10.2420% | 1,068 |
| Net charge-offs to loans | 1.6042% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.6595% | 3,480 |
| Efficiency ratio | 70.5506% | 4,151 |
| Assets per employee ($millions) | 4.4605% | 2,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2945% | 1,773 |
| Loan loss allowance to noncurrent loans | 36.3365% | 5,877 |
| Noncurrent assets plus other real estate owned to assets | 10.4783% | 376 |
| Noncurrent loans to loans | 6.3145% | 972 |
| Net loans and leases to total assets | 73.5476% | 1,414 |
| Net loans and leases to deposits | 87.8963% | 1,476 |
| Net loans and leases to core deposits | 742.6314% | 29 |
| Total domestic deposits to total assets | 83.6754% | 4,631 |
| Equity capital to assets | 13.0121% | 1,379 |
| Core capital (leverage) ratio | 12.8748% | 1,167 |
| Tier 1 risk-based capital ratio | 16.7432% | 2,570 |
| Total risk-based capital ratio | 18.0054% | 2,535 |
| Memoranda: | ||
| Average total assets | $220,360,000 | 2,875 |
| Average earning assets | $187,856,500 | 3,042 |
| Average equity | $28,080,500 | 2,294 |
| Average total loans | $172,796,000 | 2,391 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2574% | 37 |
| Cost of funding earning assets | 3.0006% | 24 |
| Net interest margin | 7.2567% | 45 |
| Noninterest income to average assets | 4.4390% | 155 |
| Noninterest expense to average assets | 5.4100% | 320 |
| Loan and lease loss provision to assets | 2.5746% | 425 |
| Net operating income to assets | 1.7331% | 484 |
| Return on assets (ROA) | 1.7331% | 528 |
| Pretax return on assets | 2.7731% | 140 |
| Return on Equity (ROE) | 14.8604% | 737 |
| Retained earnings to average equity (ytd only) | 14.8604% | 131 |
| Net charge-offs to loans | 3.8981% | 335 |
| Credit loss provision to net charge-offs | 81.0552% | 5,526 |
| Earnings coverage of net charge-offs (x) | 1.6836% | 4,471 |
| Efficiency ratio | 50.2892% | 7,100 |
| Assets per employee ($millions) | 4.3560% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4676% | 1,447 |
| Loan loss allowance to noncurrent loans | 26.8139% | 6,495 |
| Noncurrent assets plus other real estate owned to assets | 12.6867% | 247 |
| Noncurrent loans to loans | 9.2027% | 493 |
| Net loans and leases to total assets | 79.4940% | 731 |
| Net loans and leases to deposits | 94.8279% | 979 |
| Net loans and leases to core deposits | 793.9888% | 28 |
| Total domestic deposits to total assets | 83.8297% | 4,435 |
| Equity capital to assets | 12.4783% | 1,645 |
| Core capital (leverage) ratio | 12.8877% | 1,166 |
| Tier 1 risk-based capital ratio | 14.9413% | 3,283 |
| Total risk-based capital ratio | 16.2057% | 3,226 |
| Memoranda: | ||
| Average total assets | $220,186,600 | 2,862 |
| Average earning assets | $191,725,600 | 2,979 |
| Average equity | $25,679,000 | 2,484 |
| Average total loans | $179,420,000 | 2,364 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.9990% | 29 |
| Cost of funding earning assets | 3.1171% | 23 |
| Net interest margin | 8.8819% | 33 |
| Noninterest income to average assets | 3.1564% | 214 |
| Noninterest expense to average assets | 5.3242% | 302 |
| Loan and lease loss provision to assets | 2.7310% | 356 |
| Net operating income to assets | 1.7387% | 577 |
| Return on assets (ROA) | 1.7387% | 630 |
| Pretax return on assets | 2.7826% | 161 |
| Return on Equity (ROE) | 15.1773% | 828 |
| Retained earnings to average equity (ytd only) | 15.1773% | 203 |
| Net charge-offs to loans | 5.0209% | 172 |
| Credit loss provision to net charge-offs | 66.7557% | 5,517 |
| Earnings coverage of net charge-offs (x) | 1.3477% | 4,731 |
| Efficiency ratio | 49.1264% | 7,201 |
| Assets per employee ($millions) | 4.4061% | 3,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0105% | 2,188 |
| Loan loss allowance to noncurrent loans | 17.9195% | 6,980 |
| Noncurrent assets plus other real estate owned to assets | 15.7602% | 131 |
| Noncurrent loans to loans | 11.2197% | 332 |
| Net loans and leases to total assets | 80.1856% | 719 |
| Net loans and leases to deposits | 95.2716% | 1,073 |
| Net loans and leases to core deposits | 1,768.6861% | 23 |
| Total domestic deposits to total assets | 84.1652% | 4,023 |
| Equity capital to assets | 12.3994% | 1,912 |
| Core capital (leverage) ratio | 11.9373% | 1,705 |
| Tier 1 risk-based capital ratio | 13.9975% | 3,836 |
| Total risk-based capital ratio | 15.2551% | 3,804 |
| Memoranda: | ||
| Average total assets | $219,694,750 | 2,920 |
| Average earning assets | $190,000,500 | 3,044 |
| Average equity | $25,168,500 | 2,570 |
| Average total loans | $179,008,250 | 2,403 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3971% | 29 |
| Cost of funding earning assets | 3.1144% | 30 |
| Net interest margin | 9.2827% | 31 |
| Noninterest income to average assets | 3.7907% | 175 |
| Noninterest expense to average assets | 5.4508% | 281 |
| Loan and lease loss provision to assets | 4.0731% | 184 |
| Net operating income to assets | 1.4410% | 1,010 |
| Return on assets (ROA) | 1.4410% | 1,079 |
| Pretax return on assets | 2.3063% | 337 |
| Return on Equity (ROE) | 12.9249% | 1,259 |
| Retained earnings to average equity (ytd only) | 12.9249% | 390 |
| Net charge-offs to loans | 6.5633% | 104 |
| Credit loss provision to net charge-offs | 76.2712% | 4,807 |
| Earnings coverage of net charge-offs (x) | 1.1946% | 4,604 |
| Efficiency ratio | 46.0750% | 7,437 |
| Assets per employee ($millions) | 4.8443% | 2,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4101% | 1,424 |
| Loan loss allowance to noncurrent loans | 22.5282% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 14.2826% | 172 |
| Noncurrent loans to loans | 10.6983% | 389 |
| Net loans and leases to total assets | 78.1257% | 1,094 |
| Net loans and leases to deposits | 91.1275% | 1,677 |
| Net loans and leases to core deposits | 1,875.7672% | 23 |
| Total domestic deposits to total assets | 85.7324% | 3,243 |
| Equity capital to assets | 11.1985% | 2,692 |
| Core capital (leverage) ratio | 11.3728% | 1,997 |
| Tier 1 risk-based capital ratio | 13.3923% | 4,140 |
| Total risk-based capital ratio | 14.6556% | 4,098 |
| Memoranda: | ||
| Average total assets | $220,960,330 | 2,924 |
| Average earning assets | $191,366,670 | 3,042 |
| Average equity | $24,634,670 | 2,630 |
| Average total loans | $179,787,330 | 2,427 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.0375% | 23 |
| Cost of funding earning assets | 3.1213% | 38 |
| Net interest margin | 10.9161% | 29 |
| Noninterest income to average assets | 1.2316% | 809 |
| Noninterest expense to average assets | 4.2188% | 790 |
| Loan and lease loss provision to assets | 4.5956% | 179 |
| Net operating income to assets | 1.0974% | 1,834 |
| Return on assets (ROA) | 1.0974% | 1,918 |
| Pretax return on assets | 1.8419% | 822 |
| Return on Equity (ROE) | 9.8663% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.8663% | 1,173 |
| Net charge-offs to loans | 6.2819% | 169 |
| Credit loss provision to net charge-offs | 89.1583% | 3,677 |
| Earnings coverage of net charge-offs (x) | 1.2489% | 4,008 |
| Efficiency ratio | 39.5894% | 7,744 |
| Assets per employee ($millions) | 4.5146% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0431% | 790 |
| Loan loss allowance to noncurrent loans | 108.0937% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 9.2682% | 462 |
| Noncurrent loans to loans | 2.8152% | 2,849 |
| Net loans and leases to total assets | 77.4766% | 1,252 |
| Net loans and leases to deposits | 93.1896% | 1,449 |
| Net loans and leases to core deposits | 1,028.5109% | 31 |
| Total domestic deposits to total assets | 83.1387% | 4,554 |
| Equity capital to assets | 10.8546% | 2,889 |
| Core capital (leverage) ratio | 11.4918% | 1,913 |
| Tier 1 risk-based capital ratio | 13.4583% | 4,019 |
| Total risk-based capital ratio | 14.7298% | 3,966 |
| Memoranda: | ||
| Average total assets | $217,599,000 | 3,021 |
| Average earning assets | $187,868,500 | 3,147 |
| Average equity | $24,203,500 | 2,701 |
| Average total loans | $178,545,000 | 2,501 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3434% | 44 |
| Cost of funding earning assets | 3.0264% | 213 |
| Net interest margin | 6.3170% | 90 |
| Noninterest income to average assets | 10.9103% | 64 |
| Noninterest expense to average assets | 4.9001% | 566 |
| Loan and lease loss provision to assets | 4.2594% | 290 |
| Net operating income to assets | 4.7196% | 29 |
| Return on assets (ROA) | 4.7196% | 29 |
| Pretax return on assets | 7.5987% | 27 |
| Return on Equity (ROE) | 45.2970% | 16 |
| Retained earnings to average equity (ytd only) | 45.2970% | 7 |
| Net charge-offs to loans | 2.5936% | 876 |
| Credit loss provision to net charge-offs | 187.2248% | 2,160 |
| Earnings coverage of net charge-offs (x) | 5.2123% | 2,659 |
| Efficiency ratio | 29.2403% | 7,937 |
| Assets per employee ($millions) | 4.4568% | 2,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2782% | 616 |
| Loan loss allowance to noncurrent loans | 60.5013% | 4,371 |
| Noncurrent assets plus other real estate owned to assets | 10.1505% | 361 |
| Noncurrent loans to loans | 5.4184% | 1,203 |
| Net loans and leases to total assets | 81.5972% | 747 |
| Net loans and leases to deposits | 95.5346% | 1,391 |
| Net loans and leases to core deposits | 98.7007% | 4,155 |
| Total domestic deposits to total assets | 85.4111% | 3,352 |
| Equity capital to assets | 11.4122% | 2,383 |
| Core capital (leverage) ratio | 11.5143% | 1,908 |
| Tier 1 risk-based capital ratio | 13.3069% | 3,945 |
| Total risk-based capital ratio | 14.5811% | 3,871 |
| Memoranda: | ||
| Average total assets | $201,626,800 | 3,162 |
| Average earning assets | $186,655,200 | 3,131 |
| Average equity | $21,008,000 | 3,071 |
| Average total loans | $176,857,600 | 2,552 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9382% | 39 |
| Cost of funding earning assets | 2.9247% | 413 |
| Net interest margin | 7.0135% | 51 |
| Noninterest income to average assets | 11.3660% | 63 |
| Noninterest expense to average assets | 4.8166% | 558 |
| Loan and lease loss provision to assets | 4.1502% | 270 |
| Net operating income to assets | 5.6179% | 27 |
| Return on assets (ROA) | 5.6179% | 28 |
| Pretax return on assets | 8.9888% | 26 |
| Return on Equity (ROE) | 55.3007% | 16 |
| Retained earnings to average equity (ytd only) | 55.3007% | 8 |
| Net charge-offs to loans | 3.2312% | 501 |
| Credit loss provision to net charge-offs | 144.9732% | 3,353 |
| Earnings coverage of net charge-offs (x) | 4.5897% | 3,082 |
| Efficiency ratio | 26.8251% | 8,027 |
| Assets per employee ($millions) | 4.9123% | 2,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 1,624 |
| Loan loss allowance to noncurrent loans | 21.9689% | 6,984 |
| Noncurrent assets plus other real estate owned to assets | 11.1211% | 276 |
| Noncurrent loans to loans | 9.4929% | 438 |
| Net loans and leases to total assets | 80.8068% | 1,019 |
| Net loans and leases to deposits | 93.5836% | 1,950 |
| Net loans and leases to core deposits | 95.0198% | 4,926 |
| Total domestic deposits to total assets | 86.3472% | 2,512 |
| Equity capital to assets | 10.5497% | 3,461 |
| Core capital (leverage) ratio | 10.6287% | 2,685 |
| Tier 1 risk-based capital ratio | 12.8640% | 4,286 |
| Total risk-based capital ratio | 14.1244% | 4,220 |
| Memoranda: | ||
| Average total assets | $199,666,500 | 3,207 |
| Average earning assets | $187,595,250 | 3,143 |
| Average equity | $20,283,750 | 3,195 |
| Average total loans | $176,893,750 | 2,578 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8704% | 39 |
| Cost of funding earning assets | 2.8145% | 754 |
| Net interest margin | 7.0558% | 51 |
| Noninterest income to average assets | 15.7435% | 50 |
| Noninterest expense to average assets | 4.5546% | 738 |
| Loan and lease loss provision to assets | 4.5835% | 244 |
| Net operating income to assets | 8.3244% | 18 |
| Return on assets (ROA) | 8.3244% | 19 |
| Pretax return on assets | 13.3189% | 18 |
| Return on Equity (ROE) | 83.1296% | 10 |
| Retained earnings to average equity (ytd only) | 83.1296% | 7 |
| Net charge-offs to loans | 1.2653% | 1,461 |
| Credit loss provision to net charge-offs | 398.7455% | 1,171 |
| Earnings coverage of net charge-offs (x) | 15.5744% | 1,587 |
| Efficiency ratio | 20.2816% | 8,142 |
| Assets per employee ($millions) | 5.2855% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6852% | 761 |
| Loan loss allowance to noncurrent loans | 47.7815% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 6.7743% | 649 |
| Noncurrent loans to loans | 5.6198% | 1,022 |
| Net loans and leases to total assets | 87.8691% | 244 |
| Net loans and leases to deposits | 123.9531% | 179 |
| Net loans and leases to core deposits | 126.0097% | 1,872 |
| Total domestic deposits to total assets | 70.8889% | 7,382 |
| Equity capital to assets | 10.6292% | 3,270 |
| Core capital (leverage) ratio | 10.1634% | 3,133 |
| Tier 1 risk-based capital ratio | 12.3527% | 4,638 |
| Total risk-based capital ratio | 13.6219% | 4,548 |
| Memoranda: | ||
| Average total assets | $194,175,670 | 3,289 |
| Average earning assets | $184,754,670 | 3,204 |
| Average equity | $19,444,330 | 3,329 |
| Average total loans | $176,400,000 | 2,620 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7193% | 3,696 |
| Cost of funding earning assets | 3.0845% | 479 |
| Net interest margin | 2.6348% | 7,321 |
| Noninterest income to average assets | 27.6943% | 37 |
| Noninterest expense to average assets | 3.7445% | 1,574 |
| Loan and lease loss provision to assets | 2.0479% | 586 |
| Net operating income to assets | 15.2645% | 11 |
| Return on assets (ROA) | 15.2645% | 12 |
| Pretax return on assets | 24.4155% | 11 |
| Return on Equity (ROE) | 157.9655% | 8 |
| Retained earnings to average equity (ytd only) | 157.9655% | 6 |
| Net charge-offs to loans | 2.1094% | 686 |
| Credit loss provision to net charge-offs | 106.5022% | 3,582 |
| Earnings coverage of net charge-offs (x) | 13.7623% | 1,720 |
| Efficiency ratio | 12.3956% | 8,207 |
| Assets per employee ($millions) | 5.9576% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 6,493 |
| Loan loss allowance to noncurrent loans | 30.4226% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 3.8904% | 1,344 |
| Noncurrent loans to loans | 3.1203% | 2,075 |
| Net loans and leases to total assets | 90.0026% | 134 |
| Net loans and leases to deposits | 139.8607% | 91 |
| Net loans and leases to core deposits | 141.7620% | 1,023 |
| Total domestic deposits to total assets | 64.3516% | 7,834 |
| Equity capital to assets | 10.0110% | 3,995 |
| Core capital (leverage) ratio | 13.4540% | 1,340 |
| Tier 1 risk-based capital ratio | 12.0195% | 4,948 |
| Total risk-based capital ratio | 13.0552% | 5,035 |
| Memoranda: | ||
| Average total assets | $185,554,500 | 3,419 |
| Average earning assets | $177,013,500 | 3,317 |
| Average equity | $17,930,500 | 3,572 |
| Average total loans | $169,151,500 | 2,713 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3905% | 57 |
| Cost of funding earning assets | 4.2941% | 32 |
| Net interest margin | 5.0964% | 411 |
| Noninterest income to average assets | 1.4549% | 672 |
| Noninterest expense to average assets | 3.9840% | 1,443 |
| Loan and lease loss provision to assets | 1.0090% | 1,455 |
| Net operating income to assets | 0.8408% | 3,261 |
| Return on assets (ROA) | 0.8408% | 3,095 |
| Pretax return on assets | 1.3453% | 2,152 |
| Return on Equity (ROE) | 8.8293% | 2,702 |
| Retained earnings to average equity (ytd only) | 6.3642% | 1,375 |
| Net charge-offs to loans | 0.9572% | 1,291 |
| Credit loss provision to net charge-offs | 114.8545% | 4,701 |
| Earnings coverage of net charge-offs (x) | 2.6799% | 4,741 |
| Efficiency ratio | 62.8568% | 5,805 |
| Assets per employee ($millions) | 3.7294% | 4,107 |
| Cash dividends to net income (ytd only)* | 27.9200% | 4,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 4,152 |
| Loan loss allowance to noncurrent loans | 77.5087% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 2.1145% | 2,324 |
| Noncurrent loans to loans | 1.6120% | 3,351 |
| Net loans and leases to total assets | 90.4197% | 168 |
| Net loans and leases to deposits | 111.0625% | 761 |
| Net loans and leases to core deposits | 112.6849% | 3,489 |
| Total domestic deposits to total assets | 81.4134% | 4,453 |
| Equity capital to assets | 9.1870% | 5,101 |
| Core capital (leverage) ratio | 9.2892% | 4,313 |
| Tier 1 risk-based capital ratio | 11.2162% | 5,521 |
| Total risk-based capital ratio | 12.4679% | 5,404 |
| Memoranda: | ||
| Average total assets | $148,669,400 | 3,928 |
| Average earning assets | $142,452,400 | 3,799 |
| Average equity | $14,157,400 | 4,308 |
| Average total loans | $136,440,800 | 3,153 |