Home > Centreville Bank > Performance and Condition Ratios
Centreville 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 | 5.0729% | 1,915 |
| Cost of funding earning assets | 2.0817% | 804 |
| Net interest margin | 2.9912% | 3,303 |
| Noninterest income to average assets | 0.2200% | 3,634 |
| Noninterest expense to average assets | 2.2255% | 3,055 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.5073% | 3,655 |
| Return on assets (ROA) | 0.5983% | 3,437 |
| Pretax return on assets | 0.7089% | 3,418 |
| Return on Equity (ROE) | 4.1400% | 3,864 |
| Retained earnings to average equity (ytd only) | 4.1420% | 2,907 |
| Net charge-offs to loans | 0.0704% | 1,147 |
| Credit loss provision to net charge-offs | 345.8091% | 861 |
| Earnings coverage of net charge-offs (x) | 14.7054% | 2,070 |
| Efficiency ratio | 74.4687% | 1,408 |
| Assets per employee ($millions) | 10.2185% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6607% | 4,169 |
| Loan loss allowance to noncurrent loans | 326.2282% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 2,498 |
| Noncurrent loans to loans | 0.2025% | 2,498 |
| Net loans and leases to total assets | 75.3400% | 1,198 |
| Net loans and leases to deposits | 103.7440% | 373 |
| Net loans and leases to core deposits | 126.0066% | 484 |
| Total domestic deposits to total assets | 72.6200% | 4,191 |
| Equity capital to assets | 13.8318% | 711 |
| Core capital (leverage) ratio | 13.9228% | 819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,322,407,600 | 496 |
| Average earning assets | $2,152,557,000 | 488 |
| Average equity | $335,492,200 | 361 |
| Average total loans | $1,710,472,000 | 465 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9497% | 1,947 |
| Cost of funding earning assets | 1.9075% | 850 |
| Net interest margin | 3.0422% | 3,254 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 2.2584% | 2,923 |
| Loan and lease loss provision to assets | 0.1500% | 774 |
| Net operating income to assets | 0.6059% | 3,532 |
| Return on assets (ROA) | 0.1145% | 4,325 |
| Pretax return on assets | -0.0054% | 4,409 |
| Return on Equity (ROE) | 0.7800% | 4,337 |
| Retained earnings to average equity (ytd only) | 0.7834% | 3,989 |
| Net charge-offs to loans | 0.0614% | 1,050 |
| Credit loss provision to net charge-offs | 348.5564% | 800 |
| Earnings coverage of net charge-offs (x) | 17.0039% | 1,913 |
| Efficiency ratio | 74.7692% | 1,295 |
| Assets per employee ($millions) | 9.7560% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6388% | 4,215 |
| Loan loss allowance to noncurrent loans | 162.1010% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 0.5374% | 1,088 |
| Noncurrent loans to loans | 0.3941% | 1,844 |
| Net loans and leases to total assets | 74.5000% | 1,293 |
| Net loans and leases to deposits | 101.0805% | 469 |
| Net loans and leases to core deposits | 120.1423% | 544 |
| Total domestic deposits to total assets | 73.7000% | 4,180 |
| Equity capital to assets | 13.2960% | 762 |
| Core capital (leverage) ratio | 14.0687% | 810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,266,905,250 | 511 |
| Average earning assets | $2,096,890,500 | 500 |
| Average equity | $331,380,500 | 366 |
| Average total loans | $1,655,682,250 | 481 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8226% | 1,944 |
| Cost of funding earning assets | 1.7321% | 840 |
| Net interest margin | 3.0906% | 3,244 |
| Noninterest income to average assets | 0.2500% | 3,420 |
| Noninterest expense to average assets | 2.2802% | 2,868 |
| Loan and lease loss provision to assets | 0.1100% | 1,039 |
| Net operating income to assets | 0.6857% | 3,369 |
| Return on assets (ROA) | 0.4640% | 3,887 |
| Pretax return on assets | 0.4819% | 3,997 |
| Return on Equity (ROE) | 3.0700% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.0718% | 3,455 |
| Net charge-offs to loans | 0.0687% | 872 |
| Credit loss provision to net charge-offs | 250.2732% | 954 |
| Earnings coverage of net charge-offs (x) | 16.6193% | 1,825 |
| Efficiency ratio | 73.4110% | 1,413 |
| Assets per employee ($millions) | 9.6480% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6291% | 4,264 |
| Loan loss allowance to noncurrent loans | 143.0960% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6519% | 813 |
| Noncurrent loans to loans | 0.4396% | 1,624 |
| Net loans and leases to total assets | 73.0000% | 1,412 |
| Net loans and leases to deposits | 98.8155% | 568 |
| Net loans and leases to core deposits | 112.5050% | 730 |
| Total domestic deposits to total assets | 73.8800% | 4,199 |
| Equity capital to assets | 14.6468% | 557 |
| Core capital (leverage) ratio | 15.1400% | 576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,209,539,667 | 501 |
| Average earning assets | $2,043,317,000 | 500 |
| Average equity | $333,744,000 | 354 |
| Average total loans | $1,598,014,333 | 484 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6917% | 1,871 |
| Cost of funding earning assets | 1.5689% | 738 |
| Net interest margin | 3.1228% | 3,299 |
| Noninterest income to average assets | 0.2600% | 3,365 |
| Noninterest expense to average assets | 2.2892% | 2,845 |
| Loan and lease loss provision to assets | 0.0700% | 1,437 |
| Net operating income to assets | 0.8387% | 3,056 |
| Return on assets (ROA) | 0.3150% | 4,191 |
| Pretax return on assets | 0.2713% | 4,284 |
| Return on Equity (ROE) | 2.0500% | 4,302 |
| Retained earnings to average equity (ytd only) | 2.0526% | 3,696 |
| Net charge-offs to loans | 0.0075% | 1,669 |
| Credit loss provision to net charge-offs | 2,562.0690% | 162 |
| Earnings coverage of net charge-offs (x) | 161.1724% | 587 |
| Efficiency ratio | 72.6202% | 1,482 |
| Assets per employee ($millions) | 9.6685% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6586% | 4,295 |
| Loan loss allowance to noncurrent loans | 76.1328% | 3,519 |
| Noncurrent assets plus other real estate owned to assets | 0.6257% | 808 |
| Noncurrent loans to loans | 0.8651% | 874 |
| Net loans and leases to total assets | 71.8500% | 1,439 |
| Net loans and leases to deposits | 94.9420% | 727 |
| Net loans and leases to core deposits | 107.6024% | 776 |
| Total domestic deposits to total assets | 75.6800% | 4,178 |
| Equity capital to assets | 15.2398% | 460 |
| Core capital (leverage) ratio | 15.4148% | 523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,166,198,000 | 523 |
| Average earning assets | $2,003,697,000 | 519 |
| Average equity | $332,454,000 | 367 |
| Average total loans | $1,553,572,500 | 507 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 2,189 |
| Cost of funding earning assets | 0.5255% | 1,235 |
| Net interest margin | 3.3065% | 2,549 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.1693% | 3,102 |
| Loan and lease loss provision to assets | 0.1000% | 1,238 |
| Net operating income to assets | 0.8509% | 3,146 |
| Return on assets (ROA) | 0.0044% | 4,545 |
| Pretax return on assets | -0.1118% | 4,572 |
| Return on Equity (ROE) | 0.0300% | 4,543 |
| Retained earnings to average equity (ytd only) | 0.0262% | 4,336 |
| Net charge-offs to loans | 0.0236% | 1,587 |
| Credit loss provision to net charge-offs | 646.3722% | 572 |
| Earnings coverage of net charge-offs (x) | 66.1104% | 1,188 |
| Efficiency ratio | 67.0994% | 2,075 |
| Assets per employee ($millions) | 9.6289% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 3,879 |
| Loan loss allowance to noncurrent loans | 96.3477% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.6395% | 778 |
| Noncurrent loans to loans | 0.8996% | 824 |
| Net loans and leases to total assets | 70.4700% | 1,588 |
| Net loans and leases to deposits | 93.1800% | 835 |
| Net loans and leases to core deposits | 104.8288% | 794 |
| Total domestic deposits to total assets | 75.6300% | 4,278 |
| Equity capital to assets | 15.4588% | 430 |
| Core capital (leverage) ratio | 15.8706% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,970,292,600 | 560 |
| Average earning assets | $1,816,305,400 | 555 |
| Average equity | $331,813,600 | 357 |
| Average total loans | $1,341,261,200 | 527 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 2,258 |
| Cost of funding earning assets | 0.3126% | 2,035 |
| Net interest margin | 3.3177% | 2,245 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.1581% | 3,045 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.0036% | 2,470 |
| Return on assets (ROA) | -1.0106% | 4,699 |
| Pretax return on assets | -1.5684% | 4,706 |
| Return on Equity (ROE) | -5.8700% | 4,670 |
| Retained earnings to average equity (ytd only) | -5.8681% | 4,621 |
| Net charge-offs to loans | 0.0049% | 1,997 |
| Credit loss provision to net charge-offs | 1,822.9167% | 270 |
| Earnings coverage of net charge-offs (x) | 314.2708% | 454 |
| Efficiency ratio | 67.4464% | 2,096 |
| Assets per employee ($millions) | 9.3539% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8568% | 3,970 |
| Loan loss allowance to noncurrent loans | 110.2221% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.5481% | 979 |
| Noncurrent loans to loans | 0.7773% | 1,040 |
| Net loans and leases to total assets | 69.9100% | 1,484 |
| Net loans and leases to deposits | 91.1968% | 814 |
| Net loans and leases to core deposits | 94.0035% | 1,093 |
| Total domestic deposits to total assets | 76.6600% | 4,339 |
| Equity capital to assets | 15.2125% | 438 |
| Core capital (leverage) ratio | 16.0542% | 442 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,930,869,500 | 571 |
| Average earning assets | $1,779,154,500 | 566 |
| Average equity | $332,526,750 | 362 |
| Average total loans | $1,298,402,250 | 535 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5072% | 2,119 |
| Cost of funding earning assets | 0.2286% | 2,525 |
| Net interest margin | 3.2786% | 1,970 |
| Noninterest income to average assets | 0.0345% | 4,676 |
| Noninterest expense to average assets | 2.1570% | 2,978 |
| Loan and lease loss provision to assets | 0.0868% | 1,138 |
| Net operating income to assets | 0.8561% | 2,750 |
| Return on assets (ROA) | -1.0985% | 4,713 |
| Pretax return on assets | -1.6615% | 4,719 |
| Return on Equity (ROE) | -6.1253% | 4,694 |
| Retained earnings to average equity (ytd only) | -6.1253% | 4,576 |
| Net charge-offs to loans | 0.0051% | 1,833 |
| Credit loss provision to net charge-offs | 2,578.1250% | 202 |
| Earnings coverage of net charge-offs (x) | 267.1563% | 441 |
| Efficiency ratio | 70.5724% | 1,875 |
| Assets per employee ($millions) | 8.3943% | 1,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 3,857 |
| Loan loss allowance to noncurrent loans | 103.0742% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 893 |
| Noncurrent loans to loans | 0.9051% | 927 |
| Net loans and leases to total assets | 67.8232% | 1,490 |
| Net loans and leases to deposits | 87.8354% | 843 |
| Net loans and leases to core deposits | 90.8059% | 1,074 |
| Total domestic deposits to total assets | 77.2163% | 4,400 |
| Equity capital to assets | 16.9787% | 281 |
| Core capital (leverage) ratio | 17.1084% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,901,010,000 | 576 |
| Average earning assets | $1,752,156,000 | 572 |
| Average equity | $340,915,667 | 357 |
| Average total loans | $1,256,311,333 | 543 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4170% | 2,038 |
| Cost of funding earning assets | 0.2305% | 2,393 |
| Net interest margin | 3.1865% | 1,924 |
| Noninterest income to average assets | -0.3455% | 4,789 |
| Noninterest expense to average assets | 2.1235% | 3,070 |
| Loan and lease loss provision to assets | 0.0316% | 1,795 |
| Net operating income to assets | 0.4736% | 3,778 |
| Return on assets (ROA) | -0.8570% | 4,728 |
| Pretax return on assets | -1.2459% | 4,740 |
| Return on Equity (ROE) | -4.6544% | 4,701 |
| Retained earnings to average equity (ytd only) | -4.6544% | 4,409 |
| Net charge-offs to loans | 0.0062% | 1,530 |
| Credit loss provision to net charge-offs | 789.4737% | 395 |
| Earnings coverage of net charge-offs (x) | 117.4211% | 617 |
| Efficiency ratio | 81.8780% | 990 |
| Assets per employee ($millions) | 8.5453% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 3,959 |
| Loan loss allowance to noncurrent loans | 91.5818% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6685% | 870 |
| Noncurrent loans to loans | 1.0148% | 895 |
| Net loans and leases to total assets | 65.2630% | 1,491 |
| Net loans and leases to deposits | 82.9010% | 948 |
| Net loans and leases to core deposits | 86.2862% | 1,112 |
| Total domestic deposits to total assets | 78.7241% | 4,362 |
| Equity capital to assets | 18.0615% | 225 |
| Core capital (leverage) ratio | 17.4785% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,898,760,500 | 580 |
| Average earning assets | $1,751,259,000 | 573 |
| Average equity | $349,608,000 | 360 |
| Average total loans | $1,232,192,500 | 546 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4325% | 2,846 |
| Cost of funding earning assets | 0.2629% | 2,773 |
| Net interest margin | 3.1696% | 2,685 |
| Noninterest income to average assets | 0.3590% | 3,289 |
| Noninterest expense to average assets | 2.1578% | 3,209 |
| Loan and lease loss provision to assets | 0.0277% | 2,502 |
| Net operating income to assets | 0.7753% | 3,407 |
| Return on assets (ROA) | 2.1151% | 295 |
| Pretax return on assets | 2.8024% | 179 |
| Return on Equity (ROE) | 11.9001% | 1,850 |
| Retained earnings to average equity (ytd only) | 11.9001% | 543 |
| Net charge-offs to loans | 0.0056% | 2,383 |
| Credit loss provision to net charge-offs | 750.0000% | 633 |
| Earnings coverage of net charge-offs (x) | 307.1571% | 400 |
| Efficiency ratio | 65.5488% | 2,328 |
| Assets per employee ($millions) | 8.7161% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 3,994 |
| Loan loss allowance to noncurrent loans | 96.0902% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 0.6176% | 1,061 |
| Noncurrent loans to loans | 0.9659% | 1,035 |
| Net loans and leases to total assets | 63.3397% | 1,781 |
| Net loans and leases to deposits | 81.3115% | 1,116 |
| Net loans and leases to core deposits | 84.6721% | 1,286 |
| Total domestic deposits to total assets | 77.8976% | 4,402 |
| Equity capital to assets | 18.7565% | 224 |
| Core capital (leverage) ratio | 17.5852% | 261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,895,875,200 | 563 |
| Average earning assets | $1,754,309,200 | 557 |
| Average equity | $336,972,800 | 365 |
| Average total loans | $1,248,364,600 | 546 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4230% | 3,034 |
| Cost of funding earning assets | 0.2706% | 2,886 |
| Net interest margin | 3.1524% | 2,888 |
| Noninterest income to average assets | 0.3452% | 3,386 |
| Noninterest expense to average assets | 2.1691% | 3,173 |
| Loan and lease loss provision to assets | 0.0300% | 2,395 |
| Net operating income to assets | 0.7968% | 3,529 |
| Return on assets (ROA) | 1.4883% | 1,349 |
| Pretax return on assets | 1.9415% | 882 |
| Return on Equity (ROE) | 8.4924% | 3,258 |
| Retained earnings to average equity (ytd only) | 8.4924% | 1,878 |
| Net charge-offs to loans | 0.0037% | 2,217 |
| Credit loss provision to net charge-offs | 1,214.2857% | 466 |
| Earnings coverage of net charge-offs (x) | 444.0571% | 331 |
| Efficiency ratio | 66.4298% | 2,042 |
| Assets per employee ($millions) | 8.5570% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9376% | 4,044 |
| Loan loss allowance to noncurrent loans | 80.0255% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.7510% | 967 |
| Noncurrent loans to loans | 1.1716% | 950 |
| Net loans and leases to total assets | 63.5000% | 1,836 |
| Net loans and leases to deposits | 80.8033% | 1,208 |
| Net loans and leases to core deposits | 84.1766% | 1,415 |
| Total domestic deposits to total assets | 78.5860% | 4,367 |
| Equity capital to assets | 17.9801% | 275 |
| Core capital (leverage) ratio | 16.5420% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,890,457,000 | 567 |
| Average earning assets | $1,751,085,500 | 566 |
| Average equity | $331,300,000 | 369 |
| Average total loans | $1,253,968,750 | 549 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3378% | 3,336 |
| Cost of funding earning assets | 0.2793% | 2,991 |
| Net interest margin | 3.0585% | 3,152 |
| Noninterest income to average assets | 0.3436% | 3,389 |
| Noninterest expense to average assets | 2.2096% | 3,065 |
| Loan and lease loss provision to assets | 0.0449% | 2,115 |
| Net operating income to assets | 0.6443% | 3,887 |
| Return on assets (ROA) | 1.9001% | 616 |
| Pretax return on assets | 2.5179% | 349 |
| Return on Equity (ROE) | 10.9363% | 2,448 |
| Retained earnings to average equity (ytd only) | 10.9363% | 1,142 |
| Net charge-offs to loans | 0.0049% | 1,969 |
| Credit loss provision to net charge-offs | 1,370.9677% | 382 |
| Earnings coverage of net charge-offs (x) | 297.1613% | 377 |
| Efficiency ratio | 69.4228% | 1,713 |
| Assets per employee ($millions) | 8.6644% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 4,138 |
| Loan loss allowance to noncurrent loans | 80.5107% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 1,095 |
| Noncurrent loans to loans | 1.1275% | 1,073 |
| Net loans and leases to total assets | 65.7188% | 1,716 |
| Net loans and leases to deposits | 83.9916% | 1,071 |
| Net loans and leases to core deposits | 87.5903% | 1,300 |
| Total domestic deposits to total assets | 78.2445% | 4,414 |
| Equity capital to assets | 17.9395% | 270 |
| Core capital (leverage) ratio | 16.3634% | 349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,893,094,333 | 558 |
| Average earning assets | $1,757,385,333 | 555 |
| Average equity | $328,905,667 | 369 |
| Average total loans | $1,269,714,667 | 545 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2970% | 3,450 |
| Cost of funding earning assets | 0.2829% | 3,163 |
| Net interest margin | 3.0140% | 3,222 |
| Noninterest income to average assets | 0.3796% | 3,199 |
| Noninterest expense to average assets | 2.2822% | 2,848 |
| Loan and lease loss provision to assets | 0.0684% | 1,783 |
| Net operating income to assets | 0.5223% | 4,132 |
| Return on assets (ROA) | 2.1322% | 503 |
| Pretax return on assets | 2.8662% | 278 |
| Return on Equity (ROE) | 12.4751% | 1,846 |
| Retained earnings to average equity (ytd only) | 12.4751% | 1,036 |
| Net charge-offs to loans | 0.0069% | 1,651 |
| Credit loss provision to net charge-offs | 1,477.2727% | 324 |
| Earnings coverage of net charge-offs (x) | 193.5909% | 407 |
| Efficiency ratio | 71.7910% | 1,518 |
| Assets per employee ($millions) | 9.1787% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8800% | 4,214 |
| Loan loss allowance to noncurrent loans | 77.0768% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 1,196 |
| Noncurrent loans to loans | 1.1417% | 1,171 |
| Net loans and leases to total assets | 66.2401% | 1,766 |
| Net loans and leases to deposits | 84.5181% | 1,094 |
| Net loans and leases to core deposits | 88.2355% | 1,351 |
| Total domestic deposits to total assets | 78.3739% | 4,399 |
| Equity capital to assets | 17.1898% | 295 |
| Core capital (leverage) ratio | 16.3421% | 355 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,899,786,000 | 555 |
| Average earning assets | $1,764,412,500 | 551 |
| Average equity | $324,712,000 | 368 |
| Average total loans | $1,281,098,500 | 545 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5017% | 4,033 |
| Cost of funding earning assets | 0.5288% | 2,757 |
| Net interest margin | 2.9730% | 3,956 |
| Noninterest income to average assets | 0.4837% | 2,703 |
| Noninterest expense to average assets | 2.2612% | 3,508 |
| Loan and lease loss provision to assets | 0.3473% | 1,003 |
| Net operating income to assets | 0.5122% | 4,004 |
| Return on assets (ROA) | 0.7244% | 3,482 |
| Pretax return on assets | 0.9224% | 3,309 |
| Return on Equity (ROE) | 3.9566% | 4,168 |
| Retained earnings to average equity (ytd only) | 3.9566% | 2,852 |
| Net charge-offs to loans | 0.1767% | 948 |
| Credit loss provision to net charge-offs | 296.7179% | 1,750 |
| Earnings coverage of net charge-offs (x) | 8.5528% | 2,594 |
| Efficiency ratio | 69.3160% | 2,046 |
| Assets per employee ($millions) | 9.2214% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 4,325 |
| Loan loss allowance to noncurrent loans | 74.1465% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7794% | 1,311 |
| Noncurrent loans to loans | 1.1454% | 1,242 |
| Net loans and leases to total assets | 67.4676% | 1,890 |
| Net loans and leases to deposits | 87.7133% | 1,121 |
| Net loans and leases to core deposits | 92.0605% | 1,380 |
| Total domestic deposits to total assets | 76.9183% | 4,422 |
| Equity capital to assets | 16.9933% | 338 |
| Core capital (leverage) ratio | 16.7910% | 331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,666,177,600 | 567 |
| Average earning assets | $1,557,197,600 | 556 |
| Average equity | $305,063,000 | 362 |
| Average total loans | $1,103,418,000 | 578 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4541% | 4,282 |
| Cost of funding earning assets | 0.6008% | 2,612 |
| Net interest margin | 2.8532% | 4,258 |
| Noninterest income to average assets | 0.4535% | 2,834 |
| Noninterest expense to average assets | 2.1628% | 3,774 |
| Loan and lease loss provision to assets | 0.4556% | 703 |
| Net operating income to assets | 0.5375% | 3,934 |
| Return on assets (ROA) | -0.1745% | 4,844 |
| Pretax return on assets | -0.3937% | 4,879 |
| Return on Equity (ROE) | -0.9333% | 4,832 |
| Retained earnings to average equity (ytd only) | -0.9333% | 4,610 |
| Net charge-offs to loans | 0.2442% | 625 |
| Credit loss provision to net charge-offs | 284.0475% | 1,813 |
| Earnings coverage of net charge-offs (x) | 6.0046% | 2,687 |
| Efficiency ratio | 69.1886% | 2,007 |
| Assets per employee ($millions) | 9.9370% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,264 |
| Loan loss allowance to noncurrent loans | 87.1625% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.6439% | 1,805 |
| Noncurrent loans to loans | 0.9612% | 1,565 |
| Net loans and leases to total assets | 66.4330% | 2,458 |
| Net loans and leases to deposits | 87.5963% | 1,532 |
| Net loans and leases to core deposits | 91.8517% | 1,807 |
| Total domestic deposits to total assets | 75.8399% | 4,441 |
| Equity capital to assets | 16.2435% | 438 |
| Core capital (leverage) ratio | 15.1885% | 512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,610,122,750 | 568 |
| Average earning assets | $1,508,056,750 | 558 |
| Average equity | $301,018,750 | 359 |
| Average total loans | $1,057,690,000 | 598 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 4,444 |
| Cost of funding earning assets | 0.7037% | 2,360 |
| Net interest margin | 2.7702% | 4,487 |
| Noninterest income to average assets | 0.4081% | 3,028 |
| Noninterest expense to average assets | 2.1843% | 3,839 |
| Loan and lease loss provision to assets | 0.3133% | 1,373 |
| Net operating income to assets | 0.6489% | 3,583 |
| Return on assets (ROA) | -1.2472% | 4,982 |
| Pretax return on assets | -1.8842% | 5,004 |
| Return on Equity (ROE) | -6.3243% | 4,944 |
| Retained earnings to average equity (ytd only) | -6.3243% | 4,825 |
| Net charge-offs to loans | -0.0008% | 3,738 |
| Credit loss provision to net charge-offs | -59,300.0000% | 4,335 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4830% | 1,624 |
| Assets per employee ($millions) | 10.2931% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 4,501 |
| Loan loss allowance to noncurrent loans | 72.8280% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 1,718 |
| Noncurrent loans to loans | 1.0087% | 1,536 |
| Net loans and leases to total assets | 68.2634% | 2,306 |
| Net loans and leases to deposits | 91.9282% | 1,166 |
| Net loans and leases to core deposits | 96.8707% | 1,512 |
| Total domestic deposits to total assets | 74.2573% | 4,574 |
| Equity capital to assets | 16.0812% | 466 |
| Core capital (leverage) ratio | 14.9198% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,514,172,000 | 585 |
| Average earning assets | $1,424,097,000 | 569 |
| Average equity | $298,592,667 | 362 |
| Average total loans | $986,408,333 | 630 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 4,519 |
| Cost of funding earning assets | 0.8871% | 1,938 |
| Net interest margin | 2.7159% | 4,656 |
| Noninterest income to average assets | 0.2850% | 3,816 |
| Noninterest expense to average assets | 2.1855% | 4,041 |
| Loan and lease loss provision to assets | 0.3357% | 918 |
| Net operating income to assets | 1.0443% | 2,024 |
| Return on assets (ROA) | -6.7305% | 5,098 |
| Pretax return on assets | -9.5011% | 5,102 |
| Return on Equity (ROE) | -30.2172% | 5,081 |
| Retained earnings to average equity (ytd only) | -30.2172% | 5,042 |
| Net charge-offs to loans | -0.0019% | 3,643 |
| Credit loss provision to net charge-offs | -28,000.0000% | 4,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3720% | 1,520 |
| Assets per employee ($millions) | 9.4815% | 447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 3,888 |
| Loan loss allowance to noncurrent loans | 85.4793% | 3,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7237% | 1,857 |
| Noncurrent loans to loans | 1.1231% | 1,475 |
| Net loans and leases to total assets | 63.8238% | 3,086 |
| Net loans and leases to deposits | 93.0515% | 1,176 |
| Net loans and leases to core deposits | 98.0560% | 1,621 |
| Total domestic deposits to total assets | 68.5898% | 4,907 |
| Equity capital to assets | 21.7061% | 182 |
| Core capital (leverage) ratio | 21.7353% | 179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,334,588,000 | 627 |
| Average earning assets | $1,266,184,000 | 604 |
| Average equity | $297,261,500 | 361 |
| Average total loans | $835,478,000 | 718 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6667% | 4,718 |
| Cost of funding earning assets | 0.8910% | 2,229 |
| Net interest margin | 2.7757% | 4,773 |
| Noninterest income to average assets | 0.2470% | 4,203 |
| Noninterest expense to average assets | 2.1641% | 4,234 |
| Loan and lease loss provision to assets | 0.1267% | 1,681 |
| Net operating income to assets | 0.3896% | 4,609 |
| Return on assets (ROA) | 2.0729% | 302 |
| Pretax return on assets | 2.7233% | 140 |
| Return on Equity (ROE) | 8.9042% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.9042% | 735 |
| Net charge-offs to loans | 0.0021% | 3,634 |
| Credit loss provision to net charge-offs | 10,666.6667% | 39 |
| Earnings coverage of net charge-offs (x) | 605.3333% | 165 |
| Efficiency ratio | 75.0556% | 1,479 |
| Assets per employee ($millions) | 10.0132% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 4,088 |
| Loan loss allowance to noncurrent loans | 402.9562% | 1,176 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 3,981 |
| Noncurrent loans to loans | 0.2157% | 3,682 |
| Net loans and leases to total assets | 60.2529% | 3,560 |
| Net loans and leases to deposits | 87.2656% | 1,942 |
| Net loans and leases to core deposits | 92.1212% | 2,226 |
| Total domestic deposits to total assets | 69.0454% | 4,969 |
| Equity capital to assets | 22.8351% | 160 |
| Core capital (leverage) ratio | 24.5143% | 129 |
| Tier 1 risk-based capital ratio | 26.0508% | 673 |
| Total risk-based capital ratio | 26.6424% | 706 |
| Memoranda: | ||
| Average total assets | $1,262,452,200 | 629 |
| Average earning assets | $1,199,088,000 | 608 |
| Average equity | $293,905,200 | 349 |
| Average total loans | $731,547,800 | 779 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7147% | 4,767 |
| Cost of funding earning assets | 0.8997% | 2,237 |
| Net interest margin | 2.8150% | 4,841 |
| Noninterest income to average assets | 0.2244% | 4,390 |
| Noninterest expense to average assets | 2.1286% | 4,311 |
| Loan and lease loss provision to assets | 0.0563% | 2,776 |
| Net operating income to assets | 0.4775% | 4,574 |
| Return on assets (ROA) | 1.8644% | 570 |
| Pretax return on assets | 2.4686% | 261 |
| Return on Equity (ROE) | 7.9673% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.9673% | 1,411 |
| Net charge-offs to loans | 0.0023% | 3,359 |
| Credit loss provision to net charge-offs | 4,375.0000% | 94 |
| Earnings coverage of net charge-offs (x) | 597.4850% | 164 |
| Efficiency ratio | 73.4523% | 1,648 |
| Assets per employee ($millions) | 9.2446% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8291% | 4,311 |
| Loan loss allowance to noncurrent loans | 559.1078% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 4,288 |
| Noncurrent loans to loans | 0.1483% | 4,008 |
| Net loans and leases to total assets | 57.2317% | 3,948 |
| Net loans and leases to deposits | 78.2500% | 3,074 |
| Net loans and leases to core deposits | 82.4796% | 3,215 |
| Total domestic deposits to total assets | 73.1396% | 4,858 |
| Equity capital to assets | 23.9862% | 140 |
| Core capital (leverage) ratio | 24.2625% | 135 |
| Tier 1 risk-based capital ratio | 27.8829% | 582 |
| Total risk-based capital ratio | 28.4359% | 612 |
| Memoranda: | ||
| Average total assets | $1,242,623,500 | 641 |
| Average earning assets | $1,180,169,250 | 615 |
| Average equity | $290,783,000 | 352 |
| Average total loans | $710,549,500 | 802 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7246% | 4,805 |
| Cost of funding earning assets | 0.8889% | 2,205 |
| Net interest margin | 2.8357% | 4,888 |
| Noninterest income to average assets | 0.2072% | 4,505 |
| Noninterest expense to average assets | 2.1719% | 4,293 |
| Loan and lease loss provision to assets | 0.0420% | 2,977 |
| Net operating income to assets | 0.3988% | 4,737 |
| Return on assets (ROA) | 2.2085% | 275 |
| Pretax return on assets | 2.9778% | 124 |
| Return on Equity (ROE) | 9.5185% | 2,622 |
| Retained earnings to average equity (ytd only) | 9.5185% | 901 |
| Net charge-offs to loans | 0.0028% | 3,070 |
| Credit loss provision to net charge-offs | 2,600.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 451.2000% | 167 |
| Efficiency ratio | 74.8677% | 1,530 |
| Assets per employee ($millions) | 8.9477% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 4,386 |
| Loan loss allowance to noncurrent loans | 561.8164% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 4,355 |
| Noncurrent loans to loans | 0.1451% | 4,036 |
| Net loans and leases to total assets | 55.8677% | 4,083 |
| Net loans and leases to deposits | 75.9181% | 3,345 |
| Net loans and leases to core deposits | 79.9275% | 3,426 |
| Total domestic deposits to total assets | 73.5895% | 4,863 |
| Equity capital to assets | 23.6687% | 145 |
| Core capital (leverage) ratio | 24.2457% | 129 |
| Tier 1 risk-based capital ratio | 28.6599% | 533 |
| Total risk-based capital ratio | 29.2103% | 552 |
| Memoranda: | ||
| Average total assets | $1,237,741,670 | 641 |
| Average earning assets | $1,175,793,000 | 621 |
| Average equity | $287,187,000 | 357 |
| Average total loans | $705,541,670 | 806 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 4,837 |
| Cost of funding earning assets | 0.8792% | 2,101 |
| Net interest margin | 2.8272% | 4,962 |
| Noninterest income to average assets | 0.2032% | 4,537 |
| Noninterest expense to average assets | 2.1540% | 4,367 |
| Loan and lease loss provision to assets | 0.0845% | 2,008 |
| Net operating income to assets | 0.3077% | 4,889 |
| Return on assets (ROA) | 3.0787% | 88 |
| Pretax return on assets | 4.1591% | 70 |
| Return on Equity (ROE) | 13.4058% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.4058% | 413 |
| Net charge-offs to loans | 0.0034% | 2,615 |
| Credit loss provision to net charge-offs | 4,333.3333% | 93 |
| Earnings coverage of net charge-offs (x) | 377.3333% | 204 |
| Efficiency ratio | 74.5303% | 1,675 |
| Assets per employee ($millions) | 9.3470% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8110% | 4,488 |
| Loan loss allowance to noncurrent loans | 115.6024% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4006% | 2,983 |
| Noncurrent loans to loans | 0.7015% | 2,269 |
| Net loans and leases to total assets | 56.6410% | 4,008 |
| Net loans and leases to deposits | 76.7881% | 3,187 |
| Net loans and leases to core deposits | 80.8599% | 3,285 |
| Total domestic deposits to total assets | 73.7627% | 4,951 |
| Equity capital to assets | 23.2591% | 139 |
| Core capital (leverage) ratio | 23.9772% | 130 |
| Tier 1 risk-based capital ratio | 28.3136% | 542 |
| Total risk-based capital ratio | 28.8654% | 570 |
| Memoranda: | ||
| Average total assets | $1,230,275,500 | 651 |
| Average earning assets | $1,169,206,500 | 630 |
| Average equity | $282,534,500 | 359 |
| Average total loans | $705,516,000 | 806 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4668% | 4,950 |
| Cost of funding earning assets | 0.7523% | 1,776 |
| Net interest margin | 2.7145% | 5,089 |
| Noninterest income to average assets | 0.3651% | 3,656 |
| Noninterest expense to average assets | 3.0426% | 1,959 |
| Loan and lease loss provision to assets | 0.1006% | 2,175 |
| Net operating income to assets | -0.1822% | 5,270 |
| Return on assets (ROA) | 0.6141% | 4,385 |
| Pretax return on assets | 0.6784% | 4,465 |
| Return on Equity (ROE) | 2.6536% | 4,963 |
| Retained earnings to average equity (ytd only) | 2.6536% | 4,078 |
| Net charge-offs to loans | 0.0031% | 3,630 |
| Credit loss provision to net charge-offs | 6,050.0000% | 77 |
| Earnings coverage of net charge-offs (x) | -57.8000% | 3,772 |
| Efficiency ratio | 103.2613% | 119 |
| Assets per employee ($millions) | 9.1534% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7849% | 4,587 |
| Loan loss allowance to noncurrent loans | 336.9871% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 4,153 |
| Noncurrent loans to loans | 0.2329% | 3,748 |
| Net loans and leases to total assets | 57.1414% | 4,037 |
| Net loans and leases to deposits | 76.3159% | 3,326 |
| Net loans and leases to core deposits | 80.3789% | 3,399 |
| Total domestic deposits to total assets | 74.8748% | 4,882 |
| Equity capital to assets | 22.6649% | 153 |
| Core capital (leverage) ratio | 20.3846% | 220 |
| Tier 1 risk-based capital ratio | 26.6238% | 632 |
| Total risk-based capital ratio | 30.7513% | 481 |
| Memoranda: | ||
| Average total assets | $1,202,991,600 | 637 |
| Average earning assets | $1,144,004,600 | 621 |
| Average equity | $278,410,600 | 355 |
| Average total loans | $651,105,400 | 839 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3966% | 5,038 |
| Cost of funding earning assets | 0.7061% | 1,814 |
| Net interest margin | 2.6905% | 5,172 |
| Noninterest income to average assets | 0.1904% | 4,835 |
| Noninterest expense to average assets | 3.2066% | 1,505 |
| Loan and lease loss provision to assets | 0.1178% | 1,723 |
| Net operating income to assets | -0.5020% | 5,387 |
| Return on assets (ROA) | 0.5001% | 4,767 |
| Pretax return on assets | 0.5771% | 4,769 |
| Return on Equity (ROE) | 2.1498% | 5,113 |
| Retained earnings to average equity (ytd only) | 2.1498% | 4,522 |
| Net charge-offs to loans | 0.0031% | 3,362 |
| Credit loss provision to net charge-offs | 7,066.6667% | 50 |
| Earnings coverage of net charge-offs (x) | -274.0600% | 3,487 |
| Efficiency ratio | 116.6208% | 66 |
| Assets per employee ($millions) | 8.8819% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7934% | 4,643 |
| Loan loss allowance to noncurrent loans | 594.6726% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.0730% | 4,610 |
| Noncurrent loans to loans | 0.1334% | 4,281 |
| Net loans and leases to total assets | 54.2679% | 4,348 |
| Net loans and leases to deposits | 72.8686% | 3,689 |
| Net loans and leases to core deposits | 76.4047% | 3,775 |
| Total domestic deposits to total assets | 74.4736% | 4,939 |
| Equity capital to assets | 22.6378% | 148 |
| Core capital (leverage) ratio | 20.2148% | 226 |
| Tier 1 risk-based capital ratio | 25.8827% | 688 |
| Total risk-based capital ratio | 30.9716% | 483 |
| Memoranda: | ||
| Average total assets | $1,199,388,250 | 640 |
| Average earning assets | $1,140,844,500 | 624 |
| Average equity | $279,032,250 | 352 |
| Average total loans | $638,595,500 | 850 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3428% | 5,100 |
| Cost of funding earning assets | 0.6437% | 1,967 |
| Net interest margin | 2.6991% | 5,218 |
| Noninterest income to average assets | 0.1852% | 4,902 |
| Noninterest expense to average assets | 3.7700% | 691 |
| Loan and lease loss provision to assets | 0.1010% | 1,928 |
| Net operating income to assets | -0.9984% | 5,476 |
| Return on assets (ROA) | 0.5185% | 4,711 |
| Pretax return on assets | 0.5859% | 4,757 |
| Return on Equity (ROE) | 2.2081% | 5,152 |
| Retained earnings to average equity (ytd only) | 2.2081% | 4,395 |
| Net charge-offs to loans | 0.0013% | 3,170 |
| Credit loss provision to net charge-offs | 15,000.0000% | 24 |
| Earnings coverage of net charge-offs (x) | -1,510.5000% | 3,208 |
| Efficiency ratio | 136.9654% | 41 |
| Assets per employee ($millions) | 9.0605% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7655% | 4,798 |
| Loan loss allowance to noncurrent loans | 598.6585% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.0680% | 4,676 |
| Noncurrent loans to loans | 0.1279% | 4,335 |
| Net loans and leases to total assets | 52.8077% | 4,422 |
| Net loans and leases to deposits | 71.7026% | 3,736 |
| Net loans and leases to core deposits | 75.0630% | 3,806 |
| Total domestic deposits to total assets | 73.6483% | 5,077 |
| Equity capital to assets | 22.7842% | 144 |
| Core capital (leverage) ratio | 20.7994% | 195 |
| Tier 1 risk-based capital ratio | 26.6360% | 628 |
| Total risk-based capital ratio | 31.5144% | 459 |
| Memoranda: | ||
| Average total assets | $1,187,654,670 | 648 |
| Average earning assets | $1,129,656,670 | 630 |
| Average equity | $278,881,670 | 352 |
| Average total loans | $626,346,330 | 865 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2847% | 5,156 |
| Cost of funding earning assets | 0.5896% | 2,116 |
| Net interest margin | 2.6951% | 5,260 |
| Noninterest income to average assets | 0.1825% | 4,934 |
| Noninterest expense to average assets | 2.0812% | 4,697 |
| Loan and lease loss provision to assets | 0.1781% | 971 |
| Net operating income to assets | 0.4483% | 4,817 |
| Return on assets (ROA) | 0.4570% | 4,799 |
| Pretax return on assets | 0.4977% | 4,874 |
| Return on Equity (ROE) | 1.9171% | 5,194 |
| Retained earnings to average equity (ytd only) | 1.9171% | 4,378 |
| Net charge-offs to loans | 0.0013% | 2,692 |
| Credit loss provision to net charge-offs | 26,250.0000% | 4 |
| Earnings coverage of net charge-offs (x) | 982.0000% | 60 |
| Efficiency ratio | 75.7471% | 1,630 |
| Assets per employee ($millions) | 8.9796% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 4,882 |
| Loan loss allowance to noncurrent loans | 458.3886% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.0897% | 4,642 |
| Noncurrent loans to loans | 0.1664% | 4,229 |
| Net loans and leases to total assets | 53.4877% | 4,328 |
| Net loans and leases to deposits | 73.7169% | 3,440 |
| Net loans and leases to core deposits | 84.2403% | 2,955 |
| Total domestic deposits to total assets | 72.5583% | 5,247 |
| Equity capital to assets | 23.6481% | 127 |
| Core capital (leverage) ratio | 20.9843% | 182 |
| Tier 1 risk-based capital ratio | 26.5293% | 644 |
| Total risk-based capital ratio | 31.7096% | 451 |
| Memoranda: | ||
| Average total assets | $1,178,961,500 | 654 |
| Average earning assets | $1,122,035,500 | 638 |
| Average equity | $281,043,000 | 352 |
| Average total loans | $618,887,500 | 873 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0987% | 5,293 |
| Cost of funding earning assets | 0.5442% | 1,992 |
| Net interest margin | 2.5545% | 5,378 |
| Noninterest income to average assets | 0.1959% | 4,972 |
| Noninterest expense to average assets | 3.1134% | 1,821 |
| Loan and lease loss provision to assets | 0.0991% | 2,247 |
| Net operating income to assets | 0.1489% | 5,200 |
| Return on assets (ROA) | 1.0893% | 1,918 |
| Pretax return on assets | 0.3531% | 5,151 |
| Return on Equity (ROE) | 4.6352% | 4,308 |
| Retained earnings to average equity (ytd only) | 4.6352% | 2,368 |
| Net charge-offs to loans | 0.0145% | 3,601 |
| Credit loss provision to net charge-offs | 1,419.7531% | 278 |
| Earnings coverage of net charge-offs (x) | -69.9630% | 4,117 |
| Efficiency ratio | 118.5998% | 70 |
| Assets per employee ($millions) | 8.8842% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7144% | 5,040 |
| Loan loss allowance to noncurrent loans | 357.3322% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 4,619 |
| Noncurrent loans to loans | 0.1999% | 4,110 |
| Net loans and leases to total assets | 50.7310% | 4,606 |
| Net loans and leases to deposits | 69.9411% | 3,881 |
| Net loans and leases to core deposits | 80.0595% | 3,415 |
| Total domestic deposits to total assets | 72.5340% | 5,293 |
| Equity capital to assets | 24.0274% | 115 |
| Core capital (leverage) ratio | 21.0911% | 171 |
| Tier 1 risk-based capital ratio | 26.8440% | 601 |
| Total risk-based capital ratio | 32.2444% | 412 |
| Memoranda: | ||
| Average total assets | $1,160,644,000 | 645 |
| Average earning assets | $1,103,685,000 | 622 |
| Average equity | $272,758,000 | 348 |
| Average total loans | $558,384,800 | 926 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0803% | 5,355 |
| Cost of funding earning assets | 0.5345% | 1,991 |
| Net interest margin | 2.5458% | 5,443 |
| Noninterest income to average assets | 0.1983% | 5,016 |
| Noninterest expense to average assets | 2.6976% | 3,074 |
| Loan and lease loss provision to assets | 0.0519% | 3,059 |
| Net operating income to assets | 0.0144% | 5,507 |
| Return on assets (ROA) | 0.6632% | 4,200 |
| Pretax return on assets | 0.5181% | 4,988 |
| Return on Equity (ROE) | 2.8383% | 5,147 |
| Retained earnings to average equity (ytd only) | 2.8383% | 4,212 |
| Net charge-offs to loans | 0.0163% | 3,193 |
| Credit loss provision to net charge-offs | 671.6418% | 494 |
| Earnings coverage of net charge-offs (x) | -10.1792% | 3,768 |
| Efficiency ratio | 103.0051% | 147 |
| Assets per employee ($millions) | 8.7087% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6507% | 5,235 |
| Loan loss allowance to noncurrent loans | 274.4890% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,657 |
| Noncurrent loans to loans | 0.2371% | 4,107 |
| Net loans and leases to total assets | 47.0899% | 4,879 |
| Net loans and leases to deposits | 65.4337% | 4,290 |
| Net loans and leases to core deposits | 74.1160% | 3,967 |
| Total domestic deposits to total assets | 71.9658% | 5,383 |
| Equity capital to assets | 23.6168% | 123 |
| Core capital (leverage) ratio | 21.3343% | 163 |
| Tier 1 risk-based capital ratio | 28.2108% | 552 |
| Total risk-based capital ratio | 33.6628% | 391 |
| Memoranda: | ||
| Average total assets | $1,155,405,500 | 648 |
| Average earning assets | $1,098,606,500 | 625 |
| Average equity | $269,970,750 | 352 |
| Average total loans | $547,043,500 | 943 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0645% | 5,380 |
| Cost of funding earning assets | 0.5300% | 1,918 |
| Net interest margin | 2.5345% | 5,480 |
| Noninterest income to average assets | 0.1912% | 5,095 |
| Noninterest expense to average assets | 3.0277% | 2,048 |
| Loan and lease loss provision to assets | 0.0392% | 3,228 |
| Net operating income to assets | -0.3044% | 5,648 |
| Return on assets (ROA) | 0.6277% | 4,222 |
| Pretax return on assets | 0.4677% | 5,057 |
| Return on Equity (ROE) | 2.6962% | 5,199 |
| Retained earnings to average equity (ytd only) | 2.6962% | 4,086 |
| Net charge-offs to loans | -0.0063% | 4,392 |
| Credit loss provision to net charge-offs | -1,323.5294% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.3377% | 77 |
| Assets per employee ($millions) | 8.3461% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6319% | 5,331 |
| Loan loss allowance to noncurrent loans | 173.3831% | 2,507 |
| Noncurrent assets plus other real estate owned to assets | 0.1797% | 4,460 |
| Noncurrent loans to loans | 0.3644% | 3,722 |
| Net loans and leases to total assets | 47.5840% | 4,846 |
| Net loans and leases to deposits | 65.7615% | 4,238 |
| Net loans and leases to core deposits | 73.8312% | 3,954 |
| Total domestic deposits to total assets | 72.3584% | 5,429 |
| Equity capital to assets | 23.4726% | 122 |
| Core capital (leverage) ratio | 21.3384% | 156 |
| Tier 1 risk-based capital ratio | 29.5372% | 491 |
| Total risk-based capital ratio | 34.8180% | 341 |
| Memoranda: | ||
| Average total assets | $1,148,648,670 | 652 |
| Average earning assets | $1,092,828,670 | 630 |
| Average equity | $267,408,670 | 353 |
| Average total loans | $543,641,000 | 947 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9963% | 5,461 |
| Cost of funding earning assets | 0.5242% | 1,906 |
| Net interest margin | 2.4721% | 5,569 |
| Noninterest income to average assets | 0.1921% | 5,124 |
| Noninterest expense to average assets | 2.1725% | 4,717 |
| Loan and lease loss provision to assets | 0.0523% | 2,766 |
| Net operating income to assets | 0.3222% | 5,140 |
| Return on assets (ROA) | 0.3222% | 5,169 |
| Pretax return on assets | 0.3222% | 5,279 |
| Return on Equity (ROE) | 1.3898% | 5,438 |
| Retained earnings to average equity (ytd only) | 1.3898% | 4,542 |
| Net charge-offs to loans | -0.0059% | 4,234 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2957% | 862 |
| Assets per employee ($millions) | 8.5353% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6247% | 5,438 |
| Loan loss allowance to noncurrent loans | 189.7879% | 2,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1607% | 4,608 |
| Noncurrent loans to loans | 0.3292% | 3,938 |
| Net loans and leases to total assets | 46.9497% | 4,892 |
| Net loans and leases to deposits | 64.9644% | 4,256 |
| Net loans and leases to core deposits | 73.2730% | 3,898 |
| Total domestic deposits to total assets | 72.2699% | 5,527 |
| Equity capital to assets | 23.1733% | 128 |
| Core capital (leverage) ratio | 21.1659% | 158 |
| Tier 1 risk-based capital ratio | 29.6701% | 492 |
| Total risk-based capital ratio | 35.1238% | 349 |
| Memoranda: | ||
| Average total assets | $1,147,090,000 | 657 |
| Average earning assets | $1,092,690,000 | 634 |
| Average equity | $265,938,500 | 356 |
| Average total loans | $539,691,000 | 951 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8668% | 5,604 |
| Cost of funding earning assets | 0.5225% | 1,923 |
| Net interest margin | 2.3444% | 5,685 |
| Noninterest income to average assets | 0.2096% | 5,164 |
| Noninterest expense to average assets | 2.1755% | 4,835 |
| Loan and lease loss provision to assets | 0.0333% | 3,694 |
| Net operating income to assets | 0.1920% | 5,434 |
| Return on assets (ROA) | 0.6371% | 4,170 |
| Pretax return on assets | 0.7621% | 4,294 |
| Return on Equity (ROE) | 2.6770% | 5,250 |
| Retained earnings to average equity (ytd only) | 2.6770% | 4,001 |
| Net charge-offs to loans | -0.0505% | 5,395 |
| Credit loss provision to net charge-offs | -148.3740% | 4,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1209% | 610 |
| Assets per employee ($millions) | 7.6128% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6062% | 5,517 |
| Loan loss allowance to noncurrent loans | 197.9853% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1487% | 4,723 |
| Noncurrent loans to loans | 0.3062% | 4,041 |
| Net loans and leases to total assets | 46.5668% | 4,983 |
| Net loans and leases to deposits | 64.5695% | 4,358 |
| Net loans and leases to core deposits | 73.2401% | 3,984 |
| Total domestic deposits to total assets | 72.1189% | 5,551 |
| Equity capital to assets | 23.1943% | 123 |
| Core capital (leverage) ratio | 21.2550% | 160 |
| Tier 1 risk-based capital ratio | 29.7716% | 487 |
| Total risk-based capital ratio | 35.1623% | 342 |
| Memoranda: | ||
| Average total assets | $1,096,529,600 | 654 |
| Average earning assets | $1,043,733,200 | 630 |
| Average equity | $260,959,000 | 347 |
| Average total loans | $487,514,000 | 994 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8724% | 5,677 |
| Cost of funding earning assets | 0.5141% | 1,985 |
| Net interest margin | 2.3583% | 5,743 |
| Noninterest income to average assets | 0.2103% | 5,207 |
| Noninterest expense to average assets | 2.2317% | 4,686 |
| Loan and lease loss provision to assets | 0.0172% | 3,900 |
| Net operating income to assets | 0.1954% | 5,470 |
| Return on assets (ROA) | 0.3591% | 5,227 |
| Pretax return on assets | 0.3781% | 5,342 |
| Return on Equity (ROE) | 1.4990% | 5,560 |
| Retained earnings to average equity (ytd only) | 1.4990% | 4,915 |
| Net charge-offs to loans | -0.0726% | 5,480 |
| Credit loss provision to net charge-offs | -54.0541% | 4,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9200% | 516 |
| Assets per employee ($millions) | 7.2846% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6033% | 5,603 |
| Loan loss allowance to noncurrent loans | 162.5201% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 4,719 |
| Noncurrent loans to loans | 0.3712% | 3,935 |
| Net loans and leases to total assets | 43.9440% | 5,193 |
| Net loans and leases to deposits | 60.9830% | 4,688 |
| Net loans and leases to core deposits | 69.3714% | 4,372 |
| Total domestic deposits to total assets | 72.0595% | 5,593 |
| Equity capital to assets | 23.2523% | 132 |
| Core capital (leverage) ratio | 21.1677% | 163 |
| Tier 1 risk-based capital ratio | 31.5800% | 426 |
| Total risk-based capital ratio | 36.8583% | 318 |
| Memoranda: | ||
| Average total assets | $1,085,182,750 | 663 |
| Average earning assets | $1,032,715,250 | 636 |
| Average equity | $259,983,750 | 350 |
| Average total loans | $475,643,250 | 1,015 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9099% | 5,728 |
| Cost of funding earning assets | 0.5037% | 2,073 |
| Net interest margin | 2.4062% | 5,805 |
| Noninterest income to average assets | 0.1994% | 5,303 |
| Noninterest expense to average assets | 2.2582% | 4,717 |
| Loan and lease loss provision to assets | 0.0431% | 3,285 |
| Net operating income to assets | 0.1777% | 5,564 |
| Return on assets (ROA) | 0.3445% | 5,279 |
| Pretax return on assets | 0.3627% | 5,400 |
| Return on Equity (ROE) | 1.4232% | 5,624 |
| Retained earnings to average equity (ytd only) | 1.4232% | 4,809 |
| Net charge-offs to loans | 0.0176% | 3,154 |
| Credit loss provision to net charge-offs | 560.9756% | 603 |
| Earnings coverage of net charge-offs (x) | 29.9756% | 1,391 |
| Efficiency ratio | 90.7517% | 561 |
| Assets per employee ($millions) | 7.1547% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5869% | 5,702 |
| Loan loss allowance to noncurrent loans | 242.3540% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 5,006 |
| Noncurrent loans to loans | 0.2422% | 4,483 |
| Net loans and leases to total assets | 43.0859% | 5,278 |
| Net loans and leases to deposits | 60.1208% | 4,790 |
| Net loans and leases to core deposits | 67.3395% | 4,524 |
| Total domestic deposits to total assets | 71.6656% | 5,685 |
| Equity capital to assets | 23.6574% | 119 |
| Core capital (leverage) ratio | 21.7135% | 140 |
| Tier 1 risk-based capital ratio | 32.7250% | 393 |
| Total risk-based capital ratio | 38.0019% | 292 |
| Memoranda: | ||
| Average total assets | $1,068,110,330 | 675 |
| Average earning assets | $1,016,058,330 | 650 |
| Average equity | $258,565,330 | 349 |
| Average total loans | $466,720,670 | 1,032 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9931% | 5,695 |
| Cost of funding earning assets | 0.4840% | 2,238 |
| Net interest margin | 2.5091% | 5,800 |
| Noninterest income to average assets | 0.2012% | 5,300 |
| Noninterest expense to average assets | 2.2205% | 4,859 |
| Loan and lease loss provision to assets | 0.0496% | 2,933 |
| Net operating income to assets | 0.3005% | 5,303 |
| Return on assets (ROA) | 0.3654% | 5,172 |
| Pretax return on assets | 0.3845% | 5,340 |
| Return on Equity (ROE) | 1.4914% | 5,621 |
| Retained earnings to average equity (ytd only) | 1.4914% | 4,675 |
| Net charge-offs to loans | 0.0539% | 1,985 |
| Credit loss provision to net charge-offs | 209.6774% | 1,045 |
| Earnings coverage of net charge-offs (x) | 15.4516% | 1,662 |
| Efficiency ratio | 85.8577% | 987 |
| Assets per employee ($millions) | 7.1251% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 5,774 |
| Loan loss allowance to noncurrent loans | 113.7321% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 0.2448% | 4,577 |
| Noncurrent loans to loans | 0.5097% | 3,652 |
| Net loans and leases to total assets | 43.6166% | 5,268 |
| Net loans and leases to deposits | 61.4124% | 4,623 |
| Net loans and leases to core deposits | 66.7130% | 4,489 |
| Total domestic deposits to total assets | 71.0224% | 5,820 |
| Equity capital to assets | 24.3632% | 105 |
| Core capital (leverage) ratio | 22.5968% | 124 |
| Tier 1 risk-based capital ratio | 33.4130% | 383 |
| Total risk-based capital ratio | 38.5887% | 277 |
| Memoranda: | ||
| Average total assets | $1,047,677,000 | 686 |
| Average earning assets | $995,885,000 | 663 |
| Average equity | $256,670,500 | 345 |
| Average total loans | $459,764,000 | 1,048 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9873% | 5,738 |
| Cost of funding earning assets | 0.4928% | 2,227 |
| Net interest margin | 2.4945% | 5,833 |
| Noninterest income to average assets | 0.1818% | 5,501 |
| Noninterest expense to average assets | 2.2473% | 4,929 |
| Loan and lease loss provision to assets | -0.0098% | 5,626 |
| Net operating income to assets | 0.3030% | 5,354 |
| Return on assets (ROA) | 0.6967% | 3,933 |
| Pretax return on assets | 0.7651% | 4,317 |
| Return on Equity (ROE) | 2.8506% | 5,353 |
| Retained earnings to average equity (ytd only) | 2.8506% | 4,037 |
| Net charge-offs to loans | -0.0643% | 5,638 |
| Credit loss provision to net charge-offs | 36.2319% | 3,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4438% | 871 |
| Assets per employee ($millions) | 6.8458% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5800% | 5,819 |
| Loan loss allowance to noncurrent loans | 116.8220% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 4,725 |
| Noncurrent loans to loans | 0.4965% | 3,704 |
| Net loans and leases to total assets | 43.6431% | 5,299 |
| Net loans and leases to deposits | 61.7580% | 4,650 |
| Net loans and leases to core deposits | 66.8178% | 4,525 |
| Total domestic deposits to total assets | 70.6679% | 5,865 |
| Equity capital to assets | 24.6384% | 101 |
| Core capital (leverage) ratio | 22.7042% | 117 |
| Tier 1 risk-based capital ratio | 33.5227% | 378 |
| Total risk-based capital ratio | 38.7316% | 267 |
| Memoranda: | ||
| Average total assets | $1,021,723,000 | 673 |
| Average earning assets | $978,143,000 | 650 |
| Average equity | $249,698,800 | 349 |
| Average total loans | $429,542,400 | 1,067 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9827% | 5,821 |
| Cost of funding earning assets | 0.4928% | 2,289 |
| Net interest margin | 2.4898% | 5,913 |
| Noninterest income to average assets | 0.1777% | 5,588 |
| Noninterest expense to average assets | 2.1380% | 5,194 |
| Loan and lease loss provision to assets | 0.0327% | 3,575 |
| Net operating income to assets | 0.3424% | 5,338 |
| Return on assets (ROA) | 0.4074% | 5,233 |
| Pretax return on assets | 0.4710% | 5,290 |
| Return on Equity (ROE) | 1.6706% | 5,739 |
| Retained earnings to average equity (ytd only) | 1.6706% | 5,032 |
| Net charge-offs to loans | 0.0485% | 2,923 |
| Credit loss provision to net charge-offs | 162.3377% | 1,584 |
| Earnings coverage of net charge-offs (x) | 21.2401% | 1,833 |
| Efficiency ratio | 83.3172% | 1,233 |
| Assets per employee ($millions) | 7.0889% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5930% | 5,904 |
| Loan loss allowance to noncurrent loans | 128.5642% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 4,916 |
| Noncurrent loans to loans | 0.4613% | 3,979 |
| Net loans and leases to total assets | 41.6186% | 5,507 |
| Net loans and leases to deposits | 59.0417% | 4,919 |
| Net loans and leases to core deposits | 63.2527% | 4,854 |
| Total domestic deposits to total assets | 70.4901% | 5,952 |
| Equity capital to assets | 24.1042% | 113 |
| Core capital (leverage) ratio | 22.3660% | 128 |
| Tier 1 risk-based capital ratio | 34.5280% | 360 |
| Total risk-based capital ratio | 39.6704% | 273 |
| Memoranda: | ||
| Average total assets | $1,018,725,250 | 680 |
| Average earning assets | $977,224,000 | 658 |
| Average equity | $248,450,750 | 358 |
| Average total loans | $423,483,750 | 1,082 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9761% | 5,884 |
| Cost of funding earning assets | 0.4984% | 2,265 |
| Net interest margin | 2.4776% | 5,985 |
| Noninterest income to average assets | 0.1654% | 5,710 |
| Noninterest expense to average assets | 2.1206% | 5,294 |
| Loan and lease loss provision to assets | 0.0246% | 3,644 |
| Net operating income to assets | 0.3342% | 5,347 |
| Return on assets (ROA) | 0.3613% | 5,370 |
| Pretax return on assets | 0.4291% | 5,405 |
| Return on Equity (ROE) | 1.4758% | 5,803 |
| Retained earnings to average equity (ytd only) | 1.4758% | 4,962 |
| Net charge-offs to loans | 0.0608% | 2,515 |
| Credit loss provision to net charge-offs | 97.6563% | 2,106 |
| Earnings coverage of net charge-offs (x) | 16.7188% | 1,893 |
| Efficiency ratio | 83.4224% | 1,327 |
| Assets per employee ($millions) | 7.1877% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5806% | 6,003 |
| Loan loss allowance to noncurrent loans | 123.4524% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.2110% | 5,021 |
| Noncurrent loans to loans | 0.4703% | 4,067 |
| Net loans and leases to total assets | 40.8683% | 5,580 |
| Net loans and leases to deposits | 58.0581% | 4,991 |
| Net loans and leases to core deposits | 61.9574% | 4,947 |
| Total domestic deposits to total assets | 70.3921% | 6,021 |
| Equity capital to assets | 24.1586% | 105 |
| Core capital (leverage) ratio | 22.4484% | 126 |
| Tier 1 risk-based capital ratio | 33.8072% | 398 |
| Total risk-based capital ratio | 39.4294% | 286 |
| Memoranda: | ||
| Average total assets | $1,015,669,000 | 687 |
| Average earning assets | $974,231,330 | 660 |
| Average equity | $248,679,000 | 359 |
| Average total loans | $421,196,000 | 1,090 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 5,901 |
| Cost of funding earning assets | 0.5078% | 2,223 |
| Net interest margin | 2.4849% | 6,035 |
| Noninterest income to average assets | 0.1490% | 5,847 |
| Noninterest expense to average assets | 2.1288% | 5,321 |
| Loan and lease loss provision to assets | 0.0198% | 3,457 |
| Net operating income to assets | 0.3226% | 5,332 |
| Return on assets (ROA) | 0.3772% | 5,272 |
| Pretax return on assets | 0.4481% | 5,325 |
| Return on Equity (ROE) | 1.5302% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.5302% | 4,868 |
| Net charge-offs to loans | 0.1027% | 1,705 |
| Credit loss provision to net charge-offs | 46.2963% | 2,134 |
| Earnings coverage of net charge-offs (x) | 9.4167% | 2,012 |
| Efficiency ratio | 84.0845% | 1,375 |
| Assets per employee ($millions) | 6.9470% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5713% | 6,091 |
| Loan loss allowance to noncurrent loans | 101.0535% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 4,942 |
| Noncurrent loans to loans | 0.5653% | 3,892 |
| Net loans and leases to total assets | 40.8693% | 5,555 |
| Net loans and leases to deposits | 58.8748% | 4,843 |
| Net loans and leases to core deposits | 61.6754% | 4,860 |
| Total domestic deposits to total assets | 69.4173% | 6,155 |
| Equity capital to assets | 24.4883% | 100 |
| Core capital (leverage) ratio | 22.8221% | 121 |
| Tier 1 risk-based capital ratio | 32.0849% | 455 |
| Total risk-based capital ratio | 39.0928% | 291 |
| Memoranda: | ||
| Average total assets | $1,009,580,500 | 686 |
| Average earning assets | $968,071,000 | 659 |
| Average equity | $248,862,000 | 355 |
| Average total loans | $420,536,000 | 1,092 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0542% | 6,007 |
| Cost of funding earning assets | 0.5792% | 1,962 |
| Net interest margin | 2.4749% | 6,180 |
| Noninterest income to average assets | 0.2070% | 5,623 |
| Noninterest expense to average assets | 2.0623% | 5,656 |
| Loan and lease loss provision to assets | 0.0657% | 3,188 |
| Net operating income to assets | 0.3847% | 5,273 |
| Return on assets (ROA) | 0.7884% | 3,526 |
| Pretax return on assets | 0.9321% | 3,772 |
| Return on Equity (ROE) | 3.2452% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.2452% | 3,920 |
| Net charge-offs to loans | 0.2537% | 1,684 |
| Credit loss provision to net charge-offs | 60.8818% | 3,274 |
| Earnings coverage of net charge-offs (x) | 4.8433% | 3,552 |
| Efficiency ratio | 79.7751% | 1,966 |
| Assets per employee ($millions) | 7.0777% | 811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5829% | 6,162 |
| Loan loss allowance to noncurrent loans | 235.9270% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.1043% | 5,615 |
| Noncurrent loans to loans | 0.2471% | 4,944 |
| Net loans and leases to total assets | 41.9716% | 5,617 |
| Net loans and leases to deposits | 60.8410% | 4,824 |
| Net loans and leases to core deposits | 63.8415% | 4,838 |
| Total domestic deposits to total assets | 68.9858% | 6,236 |
| Equity capital to assets | 24.8155% | 102 |
| Core capital (leverage) ratio | 22.7712% | 124 |
| Tier 1 risk-based capital ratio | 43.4455% | 193 |
| Total risk-based capital ratio | 50.8091% | 137 |
| Memoranda: | ||
| Average total assets | $987,467,800 | 685 |
| Average earning assets | $948,869,400 | 651 |
| Average equity | $239,892,600 | 344 |
| Average total loans | $420,098,600 | 1,048 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0566% | 6,081 |
| Cost of funding earning assets | 0.5834% | 1,988 |
| Net interest margin | 2.4733% | 6,250 |
| Noninterest income to average assets | 0.2139% | 5,653 |
| Noninterest expense to average assets | 1.9441% | 5,872 |
| Loan and lease loss provision to assets | 0.0432% | 3,532 |
| Net operating income to assets | 0.5205% | 4,801 |
| Return on assets (ROA) | 0.9450% | 2,796 |
| Pretax return on assets | 1.0988% | 3,190 |
| Return on Equity (ROE) | 3.9110% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.9110% | 3,863 |
| Net charge-offs to loans | 0.0476% | 3,545 |
| Credit loss provision to net charge-offs | 212.6667% | 1,210 |
| Earnings coverage of net charge-offs (x) | 31.9259% | 1,316 |
| Efficiency ratio | 74.9909% | 2,662 |
| Assets per employee ($millions) | 7.2143% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 6,084 |
| Loan loss allowance to noncurrent loans | 155.2041% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 5,280 |
| Noncurrent loans to loans | 0.4574% | 4,530 |
| Net loans and leases to total assets | 43.0451% | 5,594 |
| Net loans and leases to deposits | 61.1249% | 4,834 |
| Net loans and leases to core deposits | 64.3087% | 4,853 |
| Total domestic deposits to total assets | 70.4215% | 6,265 |
| Equity capital to assets | 24.8104% | 98 |
| Core capital (leverage) ratio | 22.7068% | 128 |
| Tier 1 risk-based capital ratio | 44.3900% | 184 |
| Total risk-based capital ratio | 51.4358% | 129 |
| Memoranda: | ||
| Average total assets | $984,845,500 | 684 |
| Average earning assets | $947,119,250 | 644 |
| Average equity | $237,953,750 | 344 |
| Average total loans | $419,794,500 | 1,042 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0355% | 6,142 |
| Cost of funding earning assets | 0.5848% | 2,027 |
| Net interest margin | 2.4507% | 6,320 |
| Noninterest income to average assets | 0.1974% | 5,781 |
| Noninterest expense to average assets | 1.9340% | 5,940 |
| Loan and lease loss provision to assets | 0.0344% | 3,602 |
| Net operating income to assets | 0.5073% | 4,779 |
| Return on assets (ROA) | 0.5821% | 4,542 |
| Pretax return on assets | 0.6738% | 4,724 |
| Return on Equity (ROE) | 2.4311% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.4311% | 4,660 |
| Net charge-offs to loans | 0.0456% | 3,327 |
| Credit loss provision to net charge-offs | 177.8947% | 1,285 |
| Earnings coverage of net charge-offs (x) | 32.1579% | 1,200 |
| Efficiency ratio | 75.6903% | 2,694 |
| Assets per employee ($millions) | 7.1182% | 757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 6,152 |
| Loan loss allowance to noncurrent loans | 88.5251% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3785% | 4,883 |
| Noncurrent loans to loans | 0.8045% | 3,696 |
| Net loans and leases to total assets | 41.5248% | 5,707 |
| Net loans and leases to deposits | 58.3296% | 5,008 |
| Net loans and leases to core deposits | 61.4010% | 5,020 |
| Total domestic deposits to total assets | 71.1898% | 6,307 |
| Equity capital to assets | 24.5148% | 100 |
| Core capital (leverage) ratio | 22.2353% | 129 |
| Tier 1 risk-based capital ratio | 44.0963% | 183 |
| Total risk-based capital ratio | 51.4579% | 133 |
| Memoranda: | ||
| Average total assets | $983,673,330 | 683 |
| Average earning assets | $946,325,330 | 643 |
| Average equity | $235,532,670 | 347 |
| Average total loans | $416,898,330 | 1,046 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0521% | 6,179 |
| Cost of funding earning assets | 0.5842% | 2,126 |
| Net interest margin | 2.4679% | 6,355 |
| Noninterest income to average assets | 0.2019% | 5,740 |
| Noninterest expense to average assets | 1.9764% | 5,929 |
| Loan and lease loss provision to assets | 0.0689% | 2,752 |
| Net operating income to assets | 0.4164% | 5,057 |
| Return on assets (ROA) | 0.4164% | 5,127 |
| Pretax return on assets | 0.5306% | 5,078 |
| Return on Equity (ROE) | 1.7602% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.7602% | 4,902 |
| Net charge-offs to loans | 0.0019% | 3,636 |
| Credit loss provision to net charge-offs | 8,450.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 735.0000% | 40 |
| Efficiency ratio | 76.7258% | 2,685 |
| Assets per employee ($millions) | 6.9153% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7311% | 6,223 |
| Loan loss allowance to noncurrent loans | 124.0310% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 5,287 |
| Noncurrent loans to loans | 0.5894% | 4,394 |
| Net loans and leases to total assets | 42.0354% | 5,665 |
| Net loans and leases to deposits | 58.3332% | 4,905 |
| Net loans and leases to core deposits | 61.2023% | 4,944 |
| Total domestic deposits to total assets | 72.0609% | 6,356 |
| Equity capital to assets | 23.9909% | 114 |
| Core capital (leverage) ratio | 21.8458% | 137 |
| Tier 1 risk-based capital ratio | 43.8764% | 185 |
| Total risk-based capital ratio | 51.0653% | 136 |
| Memoranda: | ||
| Average total assets | $980,795,500 | 687 |
| Average earning assets | $943,471,500 | 643 |
| Average equity | $232,020,500 | 347 |
| Average total loans | $418,445,000 | 1,049 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0290% | 6,315 |
| Cost of funding earning assets | 0.6296% | 2,393 |
| Net interest margin | 2.3994% | 6,445 |
| Noninterest income to average assets | 0.2053% | 5,853 |
| Noninterest expense to average assets | 2.1226% | 5,783 |
| Loan and lease loss provision to assets | 0.1297% | 2,694 |
| Net operating income to assets | 0.2298% | 5,748 |
| Return on assets (ROA) | 0.6689% | 4,040 |
| Pretax return on assets | 0.7391% | 4,383 |
| Return on Equity (ROE) | 2.9311% | 5,534 |
| Retained earnings to average equity (ytd only) | 2.9311% | 4,160 |
| Net charge-offs to loans | 0.2255% | 2,654 |
| Credit loss provision to net charge-offs | 138.3929% | 1,686 |
| Earnings coverage of net charge-offs (x) | 4.1217% | 3,666 |
| Efficiency ratio | 84.6061% | 1,563 |
| Assets per employee ($millions) | 6.5308% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6823% | 6,366 |
| Loan loss allowance to noncurrent loans | 116.0808% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 0.2762% | 5,433 |
| Noncurrent loans to loans | 0.5878% | 4,516 |
| Net loans and leases to total assets | 42.6902% | 5,777 |
| Net loans and leases to deposits | 59.3584% | 4,998 |
| Net loans and leases to core deposits | 62.3618% | 5,025 |
| Total domestic deposits to total assets | 71.9193% | 6,425 |
| Equity capital to assets | 23.3210% | 119 |
| Core capital (leverage) ratio | 21.9537% | 136 |
| Tier 1 risk-based capital ratio | 42.6186% | 194 |
| Total risk-based capital ratio | 49.5548% | 144 |
| Memoranda: | ||
| Average total assets | $956,227,000 | 691 |
| Average earning assets | $918,035,400 | 647 |
| Average equity | $218,212,000 | 353 |
| Average total loans | $397,256,200 | 1,084 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0204% | 6,404 |
| Cost of funding earning assets | 0.6320% | 2,526 |
| Net interest margin | 2.3884% | 6,526 |
| Noninterest income to average assets | 0.2075% | 5,932 |
| Noninterest expense to average assets | 2.1737% | 5,669 |
| Loan and lease loss provision to assets | 0.1249% | 2,731 |
| Net operating income to assets | 0.1775% | 5,969 |
| Return on assets (ROA) | 0.3844% | 5,445 |
| Pretax return on assets | 0.4329% | 5,545 |
| Return on Equity (ROE) | 1.6941% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.6941% | 5,294 |
| Net charge-offs to loans | 0.2358% | 2,392 |
| Credit loss provision to net charge-offs | 128.6127% | 1,834 |
| Earnings coverage of net charge-offs (x) | 3.3512% | 3,731 |
| Efficiency ratio | 86.9814% | 1,258 |
| Assets per employee ($millions) | 6.3724% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6500% | 6,501 |
| Loan loss allowance to noncurrent loans | 106.3597% | 3,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2951% | 5,546 |
| Noncurrent loans to loans | 0.6111% | 4,673 |
| Net loans and leases to total assets | 43.0166% | 5,814 |
| Net loans and leases to deposits | 59.4344% | 5,041 |
| Net loans and leases to core deposits | 62.2530% | 5,090 |
| Total domestic deposits to total assets | 72.3766% | 6,467 |
| Equity capital to assets | 22.1424% | 141 |
| Core capital (leverage) ratio | 22.0214% | 134 |
| Tier 1 risk-based capital ratio | 41.7797% | 219 |
| Total risk-based capital ratio | 47.7831% | 158 |
| Memoranda: | ||
| Average total assets | $950,377,750 | 698 |
| Average earning assets | $911,833,750 | 652 |
| Average equity | $215,650,500 | 359 |
| Average total loans | $391,301,250 | 1,095 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0087% | 6,441 |
| Cost of funding earning assets | 0.6353% | 2,634 |
| Net interest margin | 2.3735% | 6,573 |
| Noninterest income to average assets | 0.2042% | 5,984 |
| Noninterest expense to average assets | 2.2624% | 5,468 |
| Loan and lease loss provision to assets | 0.1366% | 2,618 |
| Net operating income to assets | 0.0738% | 6,191 |
| Return on assets (ROA) | 0.3776% | 5,468 |
| Pretax return on assets | 0.4232% | 5,589 |
| Return on Equity (ROE) | 1.6506% | 6,054 |
| Retained earnings to average equity (ytd only) | 1.6506% | 5,200 |
| Net charge-offs to loans | 0.2550% | 2,194 |
| Credit loss provision to net charge-offs | 132.4435% | 1,717 |
| Earnings coverage of net charge-offs (x) | 2.1170% | 3,815 |
| Efficiency ratio | 91.1978% | 966 |
| Assets per employee ($millions) | 6.1359% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6706% | 6,539 |
| Loan loss allowance to noncurrent loans | 80.8063% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4206% | 5,229 |
| Noncurrent loans to loans | 0.8299% | 4,255 |
| Net loans and leases to total assets | 42.6566% | 5,854 |
| Net loans and leases to deposits | 57.8516% | 5,171 |
| Net loans and leases to core deposits | 60.3943% | 5,229 |
| Total domestic deposits to total assets | 73.7345% | 6,462 |
| Equity capital to assets | 22.8437% | 119 |
| Core capital (leverage) ratio | 22.3278% | 118 |
| Tier 1 risk-based capital ratio | 43.0227% | 192 |
| Total risk-based capital ratio | 48.8534% | 141 |
| Memoranda: | ||
| Average total assets | $944,302,000 | 702 |
| Average earning assets | $905,758,670 | 659 |
| Average equity | $216,043,330 | 354 |
| Average total loans | $381,939,330 | 1,120 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9516% | 6,561 |
| Cost of funding earning assets | 0.6367% | 2,772 |
| Net interest margin | 2.3148% | 6,678 |
| Noninterest income to average assets | 0.2067% | 6,000 |
| Noninterest expense to average assets | 1.9795% | 6,143 |
| Loan and lease loss provision to assets | 0.1368% | 2,531 |
| Net operating income to assets | 0.2491% | 5,729 |
| Return on assets (ROA) | 0.2572% | 5,827 |
| Pretax return on assets | 0.3212% | 5,804 |
| Return on Equity (ROE) | 1.1235% | 6,191 |
| Retained earnings to average equity (ytd only) | 1.1235% | 5,404 |
| Net charge-offs to loans | 0.3735% | 1,524 |
| Credit loss provision to net charge-offs | 93.3908% | 1,965 |
| Earnings coverage of net charge-offs (x) | 3.0575% | 2,853 |
| Efficiency ratio | 81.5470% | 2,107 |
| Assets per employee ($millions) | 6.4707% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6660% | 6,633 |
| Loan loss allowance to noncurrent loans | 86.8029% | 3,728 |
| Noncurrent assets plus other real estate owned to assets | 0.3278% | 5,602 |
| Noncurrent loans to loans | 0.7672% | 4,592 |
| Net loans and leases to total assets | 39.2969% | 6,053 |
| Net loans and leases to deposits | 53.8995% | 5,440 |
| Net loans and leases to core deposits | 56.2613% | 5,502 |
| Total domestic deposits to total assets | 72.9076% | 6,607 |
| Equity capital to assets | 23.1651% | 122 |
| Core capital (leverage) ratio | 22.0869% | 131 |
| Tier 1 risk-based capital ratio | 44.0365% | 179 |
| Total risk-based capital ratio | 49.8264% | 141 |
| Memoranda: | ||
| Average total assets | $950,128,000 | 708 |
| Average earning assets | $911,515,500 | 659 |
| Average equity | $217,539,000 | 359 |
| Average total loans | $372,647,500 | 1,144 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0674% | 6,738 |
| Cost of funding earning assets | 0.7444% | 3,121 |
| Net interest margin | 2.3230% | 6,827 |
| Noninterest income to average assets | 0.1553% | 6,259 |
| Noninterest expense to average assets | 1.9906% | 6,345 |
| Loan and lease loss provision to assets | 0.0728% | 4,817 |
| Net operating income to assets | 0.2696% | 5,575 |
| Return on assets (ROA) | 0.5603% | 4,683 |
| Pretax return on assets | 0.7154% | 4,614 |
| Return on Equity (ROE) | 2.5352% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.5352% | 4,440 |
| Net charge-offs to loans | 0.1157% | 4,528 |
| Credit loss provision to net charge-offs | 165.4846% | 1,612 |
| Earnings coverage of net charge-offs (x) | 9.4421% | 2,265 |
| Efficiency ratio | 82.7309% | 1,781 |
| Assets per employee ($millions) | 6.2030% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6854% | 6,656 |
| Loan loss allowance to noncurrent loans | 78.7115% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 5,605 |
| Noncurrent loans to loans | 0.8707% | 4,441 |
| Net loans and leases to total assets | 38.6140% | 6,259 |
| Net loans and leases to deposits | 52.3242% | 5,780 |
| Net loans and leases to core deposits | 54.5510% | 5,838 |
| Total domestic deposits to total assets | 73.7976% | 6,548 |
| Equity capital to assets | 22.6258% | 136 |
| Core capital (leverage) ratio | 21.9857% | 138 |
| Tier 1 risk-based capital ratio | 44.6342% | 176 |
| Total risk-based capital ratio | 49.5347% | 145 |
| Memoranda: | ||
| Average total assets | $961,230,200 | 683 |
| Average earning assets | $931,336,000 | 646 |
| Average equity | $212,447,800 | 354 |
| Average total loans | $365,451,400 | 1,142 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0701% | 6,867 |
| Cost of funding earning assets | 0.7652% | 3,230 |
| Net interest margin | 2.3049% | 6,945 |
| Noninterest income to average assets | 0.1157% | 6,563 |
| Noninterest expense to average assets | 1.9489% | 6,447 |
| Loan and lease loss provision to assets | 0.0691% | 4,814 |
| Net operating income to assets | 0.3236% | 5,529 |
| Return on assets (ROA) | 0.3349% | 5,695 |
| Pretax return on assets | 0.3486% | 5,846 |
| Return on Equity (ROE) | 1.5241% | 6,152 |
| Retained earnings to average equity (ytd only) | 1.5241% | 5,576 |
| Net charge-offs to loans | 0.0870% | 4,517 |
| Credit loss provision to net charge-offs | 210.0840% | 1,316 |
| Earnings coverage of net charge-offs (x) | 12.3360% | 2,009 |
| Efficiency ratio | 82.7608% | 1,728 |
| Assets per employee ($millions) | 6.5290% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6848% | 6,765 |
| Loan loss allowance to noncurrent loans | 90.4933% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 5,741 |
| Noncurrent loans to loans | 0.7567% | 4,904 |
| Net loans and leases to total assets | 38.2358% | 6,406 |
| Net loans and leases to deposits | 51.8081% | 5,987 |
| Net loans and leases to core deposits | 53.9534% | 6,052 |
| Total domestic deposits to total assets | 73.8027% | 6,616 |
| Equity capital to assets | 22.6576% | 149 |
| Core capital (leverage) ratio | 21.4930% | 153 |
| Tier 1 risk-based capital ratio | 45.3337% | 175 |
| Total risk-based capital ratio | 50.7540% | 144 |
| Memoranda: | ||
| Average total assets | $964,273,250 | 689 |
| Average earning assets | $936,768,500 | 639 |
| Average equity | $211,876,750 | 354 |
| Average total loans | $364,564,750 | 1,156 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0591% | 6,954 |
| Cost of funding earning assets | 0.7807% | 3,356 |
| Net interest margin | 2.2784% | 7,014 |
| Noninterest income to average assets | 0.1027% | 6,665 |
| Noninterest expense to average assets | 1.9133% | 6,574 |
| Loan and lease loss provision to assets | 0.0620% | 4,872 |
| Net operating income to assets | 0.3236% | 5,527 |
| Return on assets (ROA) | 0.3364% | 5,695 |
| Pretax return on assets | 0.3552% | 5,814 |
| Return on Equity (ROE) | 1.5467% | 6,182 |
| Retained earnings to average equity (ytd only) | 1.5467% | 5,434 |
| Net charge-offs to loans | 0.1309% | 3,880 |
| Credit loss provision to net charge-offs | 126.0504% | 2,178 |
| Earnings coverage of net charge-offs (x) | 8.2101% | 2,340 |
| Efficiency ratio | 82.5754% | 1,804 |
| Assets per employee ($millions) | 6.6152% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6315% | 6,901 |
| Loan loss allowance to noncurrent loans | 124.8786% | 2,624 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 6,065 |
| Noncurrent loans to loans | 0.5057% | 5,521 |
| Net loans and leases to total assets | 37.4438% | 6,523 |
| Net loans and leases to deposits | 50.9465% | 6,112 |
| Net loans and leases to core deposits | 52.9898% | 6,162 |
| Total domestic deposits to total assets | 73.4964% | 6,711 |
| Equity capital to assets | 21.8114% | 166 |
| Core capital (leverage) ratio | 21.1741% | 156 |
| Tier 1 risk-based capital ratio | 44.9602% | 170 |
| Total risk-based capital ratio | 49.8219% | 138 |
| Memoranda: | ||
| Average total assets | $967,953,330 | 685 |
| Average earning assets | $940,746,330 | 638 |
| Average equity | $210,509,000 | 353 |
| Average total loans | $363,756,670 | 1,157 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0847% | 7,011 |
| Cost of funding earning assets | 0.8071% | 3,419 |
| Net interest margin | 2.2776% | 7,066 |
| Noninterest income to average assets | 0.1383% | 6,558 |
| Noninterest expense to average assets | 1.8681% | 6,701 |
| Loan and lease loss provision to assets | 0.0621% | 4,642 |
| Net operating income to assets | 0.3480% | 5,487 |
| Return on assets (ROA) | 0.3666% | 5,579 |
| Pretax return on assets | 0.4420% | 5,610 |
| Return on Equity (ROE) | 1.6880% | 6,161 |
| Retained earnings to average equity (ytd only) | 1.6880% | 5,387 |
| Net charge-offs to loans | 0.0607% | 3,889 |
| Credit loss provision to net charge-offs | 272.7273% | 1,067 |
| Earnings coverage of net charge-offs (x) | 21.1455% | 1,164 |
| Efficiency ratio | 79.4994% | 2,268 |
| Assets per employee ($millions) | 6.7073% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6461% | 6,941 |
| Loan loss allowance to noncurrent loans | 113.1148% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,056 |
| Noncurrent loans to loans | 0.5712% | 5,523 |
| Net loans and leases to total assets | 37.3514% | 6,536 |
| Net loans and leases to deposits | 49.8877% | 6,149 |
| Net loans and leases to core deposits | 51.8761% | 6,217 |
| Total domestic deposits to total assets | 74.8709% | 6,659 |
| Equity capital to assets | 21.9657% | 145 |
| Core capital (leverage) ratio | 21.0299% | 159 |
| Tier 1 risk-based capital ratio | 46.4000% | 150 |
| Total risk-based capital ratio | 51.9642% | 125 |
| Memoranda: | ||
| Average total assets | $965,712,000 | 687 |
| Average earning assets | $937,649,000 | 640 |
| Average equity | $209,712,500 | 347 |
| Average total loans | $362,419,500 | 1,158 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0974% | 7,149 |
| Cost of funding earning assets | 0.9442% | 3,756 |
| Net interest margin | 2.1532% | 7,191 |
| Noninterest income to average assets | 0.1297% | 6,508 |
| Noninterest expense to average assets | 1.8880% | 6,847 |
| Loan and lease loss provision to assets | 0.0187% | 6,339 |
| Net operating income to assets | 0.2375% | 5,470 |
| Return on assets (ROA) | 0.5224% | 4,540 |
| Pretax return on assets | 0.6965% | 4,333 |
| Return on Equity (ROE) | 2.4831% | 5,480 |
| Retained earnings to average equity (ytd only) | 2.4831% | 4,461 |
| Net charge-offs to loans | 0.4935% | 3,020 |
| Credit loss provision to net charge-offs | 9.8599% | 6,013 |
| Earnings coverage of net charge-offs (x) | 1.7656% | 4,456 |
| Efficiency ratio | 84.9146% | 1,673 |
| Assets per employee ($millions) | 6.6592% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6223% | 6,992 |
| Loan loss allowance to noncurrent loans | 171.7010% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 0.2270% | 6,392 |
| Noncurrent loans to loans | 0.3624% | 5,999 |
| Net loans and leases to total assets | 37.2301% | 6,683 |
| Net loans and leases to deposits | 49.5606% | 6,392 |
| Net loans and leases to core deposits | 51.6399% | 6,444 |
| Total domestic deposits to total assets | 75.1202% | 6,589 |
| Equity capital to assets | 21.4660% | 170 |
| Core capital (leverage) ratio | 20.7953% | 170 |
| Tier 1 risk-based capital ratio | 48.3080% | 143 |
| Total risk-based capital ratio | 53.0814% | 123 |
| Memoranda: | ||
| Average total assets | $977,025,200 | 672 |
| Average earning assets | $950,027,800 | 623 |
| Average equity | $205,550,600 | 343 |
| Average total loans | $376,122,800 | 1,129 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0877% | 7,238 |
| Cost of funding earning assets | 0.9672% | 3,920 |
| Net interest margin | 2.1205% | 7,283 |
| Noninterest income to average assets | 0.1231% | 6,646 |
| Noninterest expense to average assets | 1.8621% | 6,903 |
| Loan and lease loss provision to assets | 0.0147% | 6,248 |
| Net operating income to assets | 0.2630% | 5,530 |
| Return on assets (ROA) | 0.2770% | 5,642 |
| Pretax return on assets | 0.3253% | 5,653 |
| Return on Equity (ROE) | 1.3234% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.3234% | 5,477 |
| Net charge-offs to loans | 0.6268% | 2,371 |
| Credit loss provision to net charge-offs | 6.0504% | 5,696 |
| Earnings coverage of net charge-offs (x) | 1.3322% | 4,618 |
| Efficiency ratio | 85.1958% | 1,615 |
| Assets per employee ($millions) | 6.5383% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6141% | 7,066 |
| Loan loss allowance to noncurrent loans | 117.8909% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,496 |
| Noncurrent loans to loans | 0.5209% | 5,809 |
| Net loans and leases to total assets | 37.8387% | 6,777 |
| Net loans and leases to deposits | 49.6370% | 6,522 |
| Net loans and leases to core deposits | 51.6661% | 6,586 |
| Total domestic deposits to total assets | 76.2308% | 6,504 |
| Equity capital to assets | 21.1575% | 198 |
| Core capital (leverage) ratio | 20.2692% | 208 |
| Tier 1 risk-based capital ratio | 48.4995% | 158 |
| Total risk-based capital ratio | 52.8011% | 141 |
| Memoranda: | ||
| Average total assets | $979,886,500 | 674 |
| Average earning assets | $953,100,750 | 633 |
| Average equity | $205,120,500 | 348 |
| Average total loans | $379,719,250 | 1,132 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0827% | 7,317 |
| Cost of funding earning assets | 0.9890% | 4,024 |
| Net interest margin | 2.0937% | 7,344 |
| Noninterest income to average assets | 0.1357% | 6,647 |
| Noninterest expense to average assets | 1.8604% | 6,997 |
| Loan and lease loss provision to assets | -0.0085% | 7,364 |
| Net operating income to assets | 0.2572% | 5,529 |
| Return on assets (ROA) | 0.2507% | 5,685 |
| Pretax return on assets | 0.3121% | 5,642 |
| Return on Equity (ROE) | 1.2017% | 6,032 |
| Retained earnings to average equity (ytd only) | 1.2017% | 5,376 |
| Net charge-offs to loans | 0.8816% | 1,758 |
| Credit loss provision to net charge-offs | -2.4793% | 6,163 |
| Earnings coverage of net charge-offs (x) | 0.9073% | 4,620 |
| Efficiency ratio | 85.6489% | 1,637 |
| Assets per employee ($millions) | 6.4525% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5837% | 7,157 |
| Loan loss allowance to noncurrent loans | 358.1015% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,783 |
| Noncurrent loans to loans | 0.1630% | 6,574 |
| Net loans and leases to total assets | 37.9977% | 6,859 |
| Net loans and leases to deposits | 50.0833% | 6,587 |
| Net loans and leases to core deposits | 51.7394% | 6,682 |
| Total domestic deposits to total assets | 75.8689% | 6,616 |
| Equity capital to assets | 21.2063% | 205 |
| Core capital (leverage) ratio | 19.9732% | 227 |
| Tier 1 risk-based capital ratio | 47.0905% | 161 |
| Total risk-based capital ratio | 52.7297% | 143 |
| Memoranda: | ||
| Average total assets | $986,137,670 | 680 |
| Average earning assets | $959,172,000 | 632 |
| Average equity | $205,710,000 | 348 |
| Average total loans | $384,316,670 | 1,141 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0749% | 7,382 |
| Cost of funding earning assets | 1.0136% | 4,096 |
| Net interest margin | 2.0613% | 7,396 |
| Noninterest income to average assets | 0.1315% | 6,756 |
| Noninterest expense to average assets | 1.7993% | 7,143 |
| Loan and lease loss provision to assets | -0.0170% | 7,452 |
| Net operating income to assets | 0.2544% | 5,599 |
| Return on assets (ROA) | 0.2544% | 5,662 |
| Pretax return on assets | 0.3556% | 5,482 |
| Return on Equity (ROE) | 1.2299% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.2299% | 5,329 |
| Net charge-offs to loans | 1.7160% | 769 |
| Credit loss provision to net charge-offs | -2.5165% | 5,571 |
| Earnings coverage of net charge-offs (x) | 0.5015% | 4,243 |
| Efficiency ratio | 84.1627% | 1,942 |
| Assets per employee ($millions) | 6.5264% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5741% | 7,231 |
| Loan loss allowance to noncurrent loans | 56.5985% | 4,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 6,141 |
| Noncurrent loans to loans | 1.0143% | 5,027 |
| Net loans and leases to total assets | 38.8917% | 6,849 |
| Net loans and leases to deposits | 50.8766% | 6,559 |
| Net loans and leases to core deposits | 52.5608% | 6,650 |
| Total domestic deposits to total assets | 76.4431% | 6,609 |
| Equity capital to assets | 20.8409% | 215 |
| Core capital (leverage) ratio | 19.7855% | 242 |
| Tier 1 risk-based capital ratio | 46.5228% | 161 |
| Total risk-based capital ratio | 52.3402% | 140 |
| Memoranda: | ||
| Average total assets | $988,816,000 | 679 |
| Average earning assets | $962,493,500 | 637 |
| Average equity | $204,571,500 | 345 |
| Average total loans | $389,044,000 | 1,129 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4647% | 7,401 |
| Cost of funding earning assets | 1.2025% | 4,551 |
| Net interest margin | 2.2622% | 7,385 |
| Noninterest income to average assets | 0.1283% | 6,756 |
| Noninterest expense to average assets | 1.8724% | 7,198 |
| Loan and lease loss provision to assets | 0.1714% | 5,508 |
| Net operating income to assets | 0.2084% | 5,245 |
| Return on assets (ROA) | 0.4949% | 4,279 |
| Pretax return on assets | 0.6603% | 4,127 |
| Return on Equity (ROE) | 2.3713% | 5,234 |
| Retained earnings to average equity (ytd only) | 2.3713% | 4,216 |
| Net charge-offs to loans | 0.0394% | 6,416 |
| Credit loss provision to net charge-offs | 1,078.0645% | 209 |
| Earnings coverage of net charge-offs (x) | 28.2903% | 769 |
| Efficiency ratio | 80.6350% | 2,328 |
| Assets per employee ($millions) | 6.7037% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 6,393 |
| Loan loss allowance to noncurrent loans | 67.5676% | 4,026 |
| Noncurrent assets plus other real estate owned to assets | 0.6013% | 5,819 |
| Noncurrent loans to loans | 1.4796% | 4,264 |
| Net loans and leases to total assets | 39.1755% | 7,014 |
| Net loans and leases to deposits | 51.0083% | 6,805 |
| Net loans and leases to core deposits | 52.6232% | 6,873 |
| Total domestic deposits to total assets | 76.8022% | 6,512 |
| Equity capital to assets | 20.5372% | 231 |
| Core capital (leverage) ratio | 19.5804% | 252 |
| Tier 1 risk-based capital ratio | 45.9082% | 165 |
| Total risk-based capital ratio | 51.7581% | 143 |
| Memoranda: | ||
| Average total assets | $975,190,000 | 678 |
| Average earning assets | $945,674,000 | 640 |
| Average equity | $203,517,000 | 345 |
| Average total loans | $393,524,400 | 1,144 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5648% | 7,507 |
| Cost of funding earning assets | 1.2320% | 4,677 |
| Net interest margin | 2.3327% | 7,469 |
| Noninterest income to average assets | 0.1236% | 6,933 |
| Noninterest expense to average assets | 1.8235% | 7,307 |
| Loan and lease loss provision to assets | 0.1935% | 5,103 |
| Net operating income to assets | 0.3024% | 5,153 |
| Return on assets (ROA) | 0.3171% | 5,268 |
| Pretax return on assets | 0.3846% | 5,264 |
| Return on Equity (ROE) | 1.5131% | 5,765 |
| Retained earnings to average equity (ytd only) | 1.5131% | 5,197 |
| Net charge-offs to loans | 0.0257% | 6,313 |
| Credit loss provision to net charge-offs | 1,853.9474% | 166 |
| Earnings coverage of net charge-offs (x) | 53.6846% | 539 |
| Efficiency ratio | 76.4963% | 2,859 |
| Assets per employee ($millions) | 6.8724% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,602 |
| Loan loss allowance to noncurrent loans | 55.9527% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6710% | 5,774 |
| Noncurrent loans to loans | 1.6834% | 4,116 |
| Net loans and leases to total assets | 39.4825% | 7,106 |
| Net loans and leases to deposits | 51.4295% | 6,914 |
| Net loans and leases to core deposits | 53.0748% | 7,006 |
| Total domestic deposits to total assets | 76.7703% | 6,538 |
| Equity capital to assets | 20.5665% | 256 |
| Core capital (leverage) ratio | 19.3359% | 279 |
| Tier 1 risk-based capital ratio | 46.2774% | 169 |
| Total risk-based capital ratio | 51.8955% | 152 |
| Memoranda: | ||
| Average total assets | $970,949,750 | 682 |
| Average earning assets | $940,742,500 | 637 |
| Average equity | $203,456,250 | 344 |
| Average total loans | $393,754,250 | 1,153 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6891% | 7,535 |
| Cost of funding earning assets | 1.2505% | 4,824 |
| Net interest margin | 2.4386% | 7,454 |
| Noninterest income to average assets | 0.1070% | 7,066 |
| Noninterest expense to average assets | 1.7618% | 7,437 |
| Loan and lease loss provision to assets | 0.0736% | 6,210 |
| Net operating income to assets | 0.4723% | 4,450 |
| Return on assets (ROA) | 0.4867% | 4,544 |
| Pretax return on assets | 0.6517% | 4,392 |
| Return on Equity (ROE) | 2.3078% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.3078% | 4,690 |
| Net charge-offs to loans | 0.0066% | 6,273 |
| Credit loss provision to net charge-offs | 2,723.0769% | 153 |
| Earnings coverage of net charge-offs (x) | 261.3846% | 126 |
| Efficiency ratio | 71.3877% | 3,922 |
| Assets per employee ($millions) | 6.8272% | 830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6973% | 7,256 |
| Loan loss allowance to noncurrent loans | 40.8956% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 0.7022% | 5,733 |
| Noncurrent loans to loans | 1.7051% | 4,128 |
| Net loans and leases to total assets | 39.8210% | 7,173 |
| Net loans and leases to deposits | 51.7985% | 6,991 |
| Net loans and leases to core deposits | 53.2561% | 7,073 |
| Total domestic deposits to total assets | 76.8766% | 6,534 |
| Equity capital to assets | 20.5849% | 256 |
| Core capital (leverage) ratio | 19.8289% | 256 |
| Tier 1 risk-based capital ratio | 47.0009% | 172 |
| Total risk-based capital ratio | 51.9550% | 152 |
| Memoranda: | ||
| Average total assets | $962,434,330 | 686 |
| Average earning assets | $931,777,330 | 642 |
| Average equity | $202,960,330 | 342 |
| Average total loans | $392,611,330 | 1,173 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7495% | 7,611 |
| Cost of funding earning assets | 1.2572% | 5,077 |
| Net interest margin | 2.4923% | 7,482 |
| Noninterest income to average assets | 0.1109% | 7,138 |
| Noninterest expense to average assets | 1.7154% | 7,561 |
| Loan and lease loss provision to assets | 0.0223% | 6,429 |
| Net operating income to assets | 0.5628% | 4,066 |
| Return on assets (ROA) | 0.5667% | 4,193 |
| Pretax return on assets | 0.7924% | 3,900 |
| Return on Equity (ROE) | 2.6548% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.6548% | 4,556 |
| Net charge-offs to loans | 0.0010% | 5,606 |
| Credit loss provision to net charge-offs | 5,300.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,926.0000% | 5 |
| Efficiency ratio | 67.9481% | 4,735 |
| Assets per employee ($millions) | 6.4660% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6248% | 7,468 |
| Loan loss allowance to noncurrent loans | 44.6948% | 5,377 |
| Noncurrent assets plus other real estate owned to assets | 0.6323% | 5,935 |
| Noncurrent loans to loans | 1.3980% | 4,636 |
| Net loans and leases to total assets | 40.6100% | 7,210 |
| Net loans and leases to deposits | 53.6537% | 6,939 |
| Net loans and leases to core deposits | 55.1820% | 7,039 |
| Total domestic deposits to total assets | 75.6890% | 6,805 |
| Equity capital to assets | 21.3666% | 232 |
| Core capital (leverage) ratio | 20.2236% | 238 |
| Tier 1 risk-based capital ratio | 45.3433% | 184 |
| Total risk-based capital ratio | 51.3165% | 154 |
| Memoranda: | ||
| Average total assets | $952,096,500 | 711 |
| Average earning assets | $922,042,500 | 664 |
| Average equity | $203,254,500 | 345 |
| Average total loans | $391,800,500 | 1,207 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 7,663 |
| Cost of funding earning assets | 1.6680% | 4,683 |
| Net interest margin | 2.3990% | 7,512 |
| Noninterest income to average assets | 0.1438% | 7,020 |
| Noninterest expense to average assets | 2.0151% | 7,350 |
| Loan and lease loss provision to assets | 0.0870% | 6,741 |
| Net operating income to assets | 0.2653% | 4,663 |
| Return on assets (ROA) | 0.5827% | 3,467 |
| Pretax return on assets | 0.7952% | 3,258 |
| Return on Equity (ROE) | 2.6191% | 4,652 |
| Retained earnings to average equity (ytd only) | 2.6191% | 3,311 |
| Net charge-offs to loans | 0.0269% | 6,870 |
| Credit loss provision to net charge-offs | 795.8763% | 370 |
| Earnings coverage of net charge-offs (x) | 40.9072% | 596 |
| Efficiency ratio | 81.8307% | 2,627 |
| Assets per employee ($millions) | 6.3997% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6176% | 7,534 |
| Loan loss allowance to noncurrent loans | 759.6215% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1387% | 7,133 |
| Noncurrent loans to loans | 0.0813% | 7,205 |
| Net loans and leases to total assets | 41.1883% | 7,289 |
| Net loans and leases to deposits | 54.2859% | 7,034 |
| Net loans and leases to core deposits | 62.4367% | 7,175 |
| Total domestic deposits to total assets | 75.8730% | 6,702 |
| Equity capital to assets | 21.3292% | 239 |
| Core capital (leverage) ratio | 20.4166% | 260 |
| Tier 1 risk-based capital ratio | 47.0895% | 177 |
| Total risk-based capital ratio | 52.7425% | 152 |
| Memoranda: | ||
| Average total assets | $886,851,600 | 762 |
| Average earning assets | $857,206,800 | 705 |
| Average equity | $197,322,800 | 353 |
| Average total loans | $360,616,800 | 1,341 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 7,770 |
| Cost of funding earning assets | 1.7495% | 4,637 |
| Net interest margin | 2.3592% | 7,594 |
| Noninterest income to average assets | 0.1459% | 7,130 |
| Noninterest expense to average assets | 2.0028% | 7,378 |
| Loan and lease loss provision to assets | 0.0322% | 7,032 |
| Net operating income to assets | 0.3346% | 4,661 |
| Return on assets (ROA) | 0.3403% | 4,731 |
| Pretax return on assets | 0.3977% | 4,808 |
| Return on Equity (ROE) | 1.5125% | 5,329 |
| Retained earnings to average equity (ytd only) | 1.5125% | 4,466 |
| Net charge-offs to loans | 0.0253% | 6,529 |
| Credit loss provision to net charge-offs | 314.9254% | 1,308 |
| Earnings coverage of net charge-offs (x) | 41.3886% | 731 |
| Efficiency ratio | 82.5510% | 2,507 |
| Assets per employee ($millions) | 6.2479% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4929% | 7,720 |
| Loan loss allowance to noncurrent loans | 137.4085% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 7,174 |
| Noncurrent loans to loans | 0.3587% | 6,635 |
| Net loans and leases to total assets | 40.7018% | 7,424 |
| Net loans and leases to deposits | 54.3271% | 7,189 |
| Net loans and leases to core deposits | 62.2860% | 7,316 |
| Total domestic deposits to total assets | 74.9198% | 6,782 |
| Equity capital to assets | 21.8610% | 250 |
| Core capital (leverage) ratio | 20.7168% | 276 |
| Tier 1 risk-based capital ratio | 47.8795% | 184 |
| Total risk-based capital ratio | 54.4567% | 149 |
| Memoranda: | ||
| Average total assets | $873,374,000 | 786 |
| Average earning assets | $844,092,000 | 733 |
| Average equity | $196,489,250 | 367 |
| Average total loans | $353,298,000 | 1,382 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2078% | 7,824 |
| Cost of funding earning assets | 1.7903% | 4,807 |
| Net interest margin | 2.4175% | 7,555 |
| Noninterest income to average assets | 0.1468% | 7,214 |
| Noninterest expense to average assets | 2.0654% | 7,345 |
| Loan and lease loss provision to assets | 0.0372% | 6,863 |
| Net operating income to assets | 0.3442% | 4,702 |
| Return on assets (ROA) | 0.3468% | 4,807 |
| Pretax return on assets | 0.3807% | 4,991 |
| Return on Equity (ROE) | 1.5256% | 5,448 |
| Retained earnings to average equity (ytd only) | 1.5256% | 4,477 |
| Net charge-offs to loans | 0.0215% | 6,199 |
| Credit loss provision to net charge-offs | 429.7297% | 1,075 |
| Earnings coverage of net charge-offs (x) | 47.9189% | 704 |
| Efficiency ratio | 83.2641% | 2,573 |
| Assets per employee ($millions) | 5.8790% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5086% | 7,778 |
| Loan loss allowance to noncurrent loans | 131.9346% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 7,160 |
| Noncurrent loans to loans | 0.3855% | 6,546 |
| Net loans and leases to total assets | 41.1511% | 7,497 |
| Net loans and leases to deposits | 54.9992% | 7,219 |
| Net loans and leases to core deposits | 63.3684% | 7,325 |
| Total domestic deposits to total assets | 74.8213% | 6,795 |
| Equity capital to assets | 22.2671% | 274 |
| Core capital (leverage) ratio | 21.5689% | 290 |
| Tier 1 risk-based capital ratio | 49.4972% | 190 |
| Total risk-based capital ratio | 55.2047% | 154 |
| Memoranda: | ||
| Average total assets | $854,185,670 | 823 |
| Average earning assets | $824,561,670 | 772 |
| Average equity | $194,148,000 | 375 |
| Average total loans | $344,135,330 | 1,452 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 7,808 |
| Cost of funding earning assets | 1.8337% | 4,949 |
| Net interest margin | 2.5503% | 7,440 |
| Noninterest income to average assets | 0.1447% | 7,258 |
| Noninterest expense to average assets | 2.0258% | 7,288 |
| Loan and lease loss provision to assets | 0.0643% | 6,149 |
| Net operating income to assets | 0.5212% | 4,336 |
| Return on assets (ROA) | 0.3332% | 5,333 |
| Pretax return on assets | 0.3280% | 5,599 |
| Return on Equity (ROE) | 1.4505% | 5,988 |
| Retained earnings to average equity (ytd only) | 1.4505% | 5,041 |
| Net charge-offs to loans | 0.0084% | 5,543 |
| Credit loss provision to net charge-offs | 1,928.5714% | 331 |
| Earnings coverage of net charge-offs (x) | 174.1429% | 247 |
| Efficiency ratio | 77.7352% | 3,212 |
| Assets per employee ($millions) | 5.5531% | 1,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5415% | 7,769 |
| Loan loss allowance to noncurrent loans | 181.3840% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 7,084 |
| Noncurrent loans to loans | 0.2985% | 6,695 |
| Net loans and leases to total assets | 40.4995% | 7,542 |
| Net loans and leases to deposits | 53.8845% | 7,295 |
| Net loans and leases to core deposits | 61.9887% | 7,392 |
| Total domestic deposits to total assets | 75.1599% | 6,677 |
| Equity capital to assets | 22.4075% | 294 |
| Core capital (leverage) ratio | 22.1692% | 301 |
| Tier 1 risk-based capital ratio | 51.7136% | 188 |
| Total risk-based capital ratio | 55.9808% | 162 |
| Memoranda: | ||
| Average total assets | $840,353,500 | 838 |
| Average earning assets | $811,041,500 | 788 |
| Average equity | $193,041,000 | 376 |
| Average total loans | $333,830,000 | 1,505 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7970% | 7,945 |
| Cost of funding earning assets | 2.0540% | 6,219 |
| Net interest margin | 2.7430% | 7,422 |
| Noninterest income to average assets | 0.1499% | 7,346 |
| Noninterest expense to average assets | 2.0505% | 7,345 |
| Loan and lease loss provision to assets | 0.0417% | 6,888 |
| Net operating income to assets | 0.7373% | 3,730 |
| Return on assets (ROA) | 0.4039% | 4,950 |
| Pretax return on assets | 0.3643% | 5,343 |
| Return on Equity (ROE) | 1.6146% | 5,734 |
| Retained earnings to average equity (ytd only) | 1.6146% | 4,243 |
| Net charge-offs to loans | 0.0472% | 6,111 |
| Credit loss provision to net charge-offs | 240.4110% | 1,946 |
| Earnings coverage of net charge-offs (x) | 42.5822% | 869 |
| Efficiency ratio | 73.4962% | 3,664 |
| Assets per employee ($millions) | 5.5406% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5350% | 7,794 |
| Loan loss allowance to noncurrent loans | 4,951.4286% | 137 |
| Noncurrent assets plus other real estate owned to assets | 0.0406% | 7,429 |
| Noncurrent loans to loans | 0.0108% | 7,505 |
| Net loans and leases to total assets | 38.5139% | 7,743 |
| Net loans and leases to deposits | 52.5351% | 7,509 |
| Net loans and leases to core deposits | 60.5668% | 7,560 |
| Total domestic deposits to total assets | 73.3108% | 6,774 |
| Equity capital to assets | 23.5403% | 302 |
| Core capital (leverage) ratio | 22.4391% | 324 |
| Tier 1 risk-based capital ratio | 52.9988% | 190 |
| Total risk-based capital ratio | 59.0036% | 161 |
| Memoranda: | ||
| Average total assets | $840,763,600 | 804 |
| Average earning assets | $809,220,600 | 755 |
| Average equity | $210,331,200 | 357 |
| Average total loans | $309,607,000 | 1,566 |