Home > Colonial Savings, F.A. > Performance and Condition Ratios
Colonial Savings, F.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,922 |
| Cost of funding earning assets | 1.9165% | 1,042 |
| Net interest margin | 2.1105% | 4,366 |
| Noninterest income to average assets | 2.9100% | 188 |
| Noninterest expense to average assets | 5.9020% | 177 |
| Loan and lease loss provision to assets | -0.0100% | 4,255 |
| Net operating income to assets | -1.4014% | 4,552 |
| Return on assets (ROA) | -1.3945% | 4,546 |
| Pretax return on assets | -1.3941% | 4,540 |
| Return on Equity (ROE) | -6.4500% | 4,480 |
| Retained earnings to average equity (ytd only) | -6.4543% | 4,420 |
| Net charge-offs to loans | -0.0215% | 4,180 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 131.4569% | 62 |
| Assets per employee ($millions) | 5.3908% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 2,240 |
| Loan loss allowance to noncurrent loans | 20.2972% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 4.2075% | 34 |
| Noncurrent loans to loans | 5.9602% | 32 |
| Net loans and leases to total assets | 69.7200% | 1,839 |
| Net loans and leases to deposits | 114.6736% | 128 |
| Net loans and leases to core deposits | 154.1478% | 183 |
| Total domestic deposits to total assets | 60.8000% | 4,432 |
| Equity capital to assets | 22.0232% | 236 |
| Core capital (leverage) ratio | 9.6201% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5996% | 1,159 |
| Memoranda: | ||
| Average total assets | $1,107,056,000 | 909 |
| Average earning assets | $828,941,600 | 1,087 |
| Average equity | $239,189,800 | 465 |
| Average total loans | $759,873,000 | 898 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,693 |
| Cost of funding earning assets | 1.9330% | 809 |
| Net interest margin | 2.1469% | 4,383 |
| Noninterest income to average assets | 3.0700% | 193 |
| Noninterest expense to average assets | 6.6588% | 157 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | -2.0096% | 4,596 |
| Return on assets (ROA) | -2.0298% | 4,596 |
| Pretax return on assets | -2.0294% | 4,592 |
| Return on Equity (ROE) | -9.4400% | 4,539 |
| Retained earnings to average equity (ytd only) | -9.4389% | 4,498 |
| Net charge-offs to loans | -0.0272% | 4,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 142.6411% | 47 |
| Assets per employee ($millions) | 5.3428% | 3,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 2,597 |
| Loan loss allowance to noncurrent loans | 19.3318% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 4.0797% | 37 |
| Noncurrent loans to loans | 5.9694% | 36 |
| Net loans and leases to total assets | 67.5400% | 2,102 |
| Net loans and leases to deposits | 112.0481% | 162 |
| Net loans and leases to core deposits | 126.7281% | 400 |
| Total domestic deposits to total assets | 60.2700% | 4,456 |
| Equity capital to assets | 21.4563% | 250 |
| Core capital (leverage) ratio | 8.7034% | 4,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5906% | 1,402 |
| Memoranda: | ||
| Average total assets | $1,114,279,000 | 906 |
| Average earning assets | $831,520,500 | 1,082 |
| Average equity | $239,625,750 | 466 |
| Average total loans | $759,618,000 | 901 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 3,184 |
| Cost of funding earning assets | 2.0260% | 471 |
| Net interest margin | 2.2318% | 4,399 |
| Noninterest income to average assets | 3.1600% | 171 |
| Noninterest expense to average assets | 7.7321% | 134 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | -2.9503% | 4,633 |
| Return on assets (ROA) | -2.9503% | 4,633 |
| Pretax return on assets | -2.9490% | 4,631 |
| Return on Equity (ROE) | -13.7100% | 4,595 |
| Retained earnings to average equity (ytd only) | -13.7087% | 4,551 |
| Net charge-offs to loans | -0.0415% | 4,328 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 160.8118% | 34 |
| Assets per employee ($millions) | 3.7028% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 2,938 |
| Loan loss allowance to noncurrent loans | 18.9041% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 4.0795% | 38 |
| Noncurrent loans to loans | 5.8427% | 39 |
| Net loans and leases to total assets | 69.0400% | 1,851 |
| Net loans and leases to deposits | 123.1897% | 73 |
| Net loans and leases to core deposits | 139.9313% | 213 |
| Total domestic deposits to total assets | 56.0400% | 4,503 |
| Equity capital to assets | 21.0293% | 253 |
| Core capital (leverage) ratio | 8.0891% | 4,374 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0486% | 1,880 |
| Memoranda: | ||
| Average total assets | $1,117,054,000 | 896 |
| Average earning assets | $825,777,000 | 1,083 |
| Average equity | $240,402,000 | 453 |
| Average total loans | $760,945,667 | 885 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1149% | 3,227 |
| Cost of funding earning assets | 2.0555% | 262 |
| Net interest margin | 2.0594% | 4,547 |
| Noninterest income to average assets | 3.2600% | 165 |
| Noninterest expense to average assets | 6.5244% | 162 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | -1.8032% | 4,643 |
| Return on assets (ROA) | -1.7715% | 4,638 |
| Pretax return on assets | -1.7683% | 4,635 |
| Return on Equity (ROE) | -8.1400% | 4,585 |
| Retained earnings to average equity (ytd only) | -8.1370% | 4,437 |
| Net charge-offs to loans | -0.0733% | 4,447 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 136.7960% | 51 |
| Assets per employee ($millions) | 2.7840% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1341% | 2,886 |
| Loan loss allowance to noncurrent loans | 17.8480% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 4.3314% | 22 |
| Noncurrent loans to loans | 6.3545% | 38 |
| Net loans and leases to total assets | 67.3800% | 1,914 |
| Net loans and leases to deposits | 130.5873% | 45 |
| Net loans and leases to core deposits | 147.8341% | 132 |
| Total domestic deposits to total assets | 51.6000% | 4,570 |
| Equity capital to assets | 21.3451% | 205 |
| Core capital (leverage) ratio | 7.9068% | 4,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5775% | 2,152 |
| Memoranda: | ||
| Average total assets | $1,110,910,500 | 916 |
| Average earning assets | $813,239,500 | 1,109 |
| Average equity | $241,857,000 | 462 |
| Average total loans | $747,216,000 | 913 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 920 |
| Cost of funding earning assets | 0.4170% | 1,969 |
| Net interest margin | 3.9616% | 836 |
| Noninterest income to average assets | 6.8300% | 117 |
| Noninterest expense to average assets | 8.3968% | 128 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1516% | 1,968 |
| Return on assets (ROA) | 1.0862% | 2,172 |
| Pretax return on assets | 1.0804% | 2,836 |
| Return on Equity (ROE) | 4.7800% | 4,050 |
| Retained earnings to average equity (ytd only) | 4.7808% | 3,145 |
| Net charge-offs to loans | -0.0164% | 3,992 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.8403% | 394 |
| Assets per employee ($millions) | 2.3859% | 4,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 2,632 |
| Loan loss allowance to noncurrent loans | 15.2965% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 4.9993% | 18 |
| Noncurrent loans to loans | 7.5335% | 28 |
| Net loans and leases to total assets | 65.5900% | 2,080 |
| Net loans and leases to deposits | 124.9136% | 56 |
| Net loans and leases to core deposits | 154.1174% | 84 |
| Total domestic deposits to total assets | 52.5100% | 4,607 |
| Equity capital to assets | 22.2056% | 187 |
| Core capital (leverage) ratio | 8.1354% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7130% | 2,085 |
| Memoranda: | ||
| Average total assets | $1,089,163,000 | 909 |
| Average earning assets | $781,603,200 | 1,132 |
| Average equity | $247,467,400 | 445 |
| Average total loans | $709,359,000 | 895 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4677% | 522 |
| Cost of funding earning assets | 0.2249% | 2,987 |
| Net interest margin | 4.2428% | 383 |
| Noninterest income to average assets | 7.8800% | 113 |
| Noninterest expense to average assets | 8.5788% | 127 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 2.2212% | 210 |
| Return on assets (ROA) | 2.1323% | 231 |
| Pretax return on assets | 2.1246% | 361 |
| Return on Equity (ROE) | 9.3300% | 2,928 |
| Retained earnings to average equity (ytd only) | 9.3313% | 1,542 |
| Net charge-offs to loans | -0.0214% | 4,010 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.5260% | 871 |
| Assets per employee ($millions) | 1.7151% | 4,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 2,852 |
| Loan loss allowance to noncurrent loans | 15.8013% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 4.7488% | 17 |
| Noncurrent loans to loans | 7.1914% | 28 |
| Net loans and leases to total assets | 65.2800% | 1,952 |
| Net loans and leases to deposits | 102.4913% | 284 |
| Net loans and leases to core deposits | 103.1525% | 691 |
| Total domestic deposits to total assets | 63.6900% | 4,603 |
| Equity capital to assets | 23.1378% | 160 |
| Core capital (leverage) ratio | 8.4243% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2730% | 1,949 |
| Memoranda: | ||
| Average total assets | $1,086,482,000 | 914 |
| Average earning assets | $778,553,500 | 1,148 |
| Average equity | $248,275,250 | 448 |
| Average total loans | $704,247,250 | 897 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 296 |
| Cost of funding earning assets | 0.1563% | 3,498 |
| Net interest margin | 4.4587% | 208 |
| Noninterest income to average assets | 9.7889% | 60 |
| Noninterest expense to average assets | 9.3348% | 79 |
| Loan and lease loss provision to assets | 0.1323% | 730 |
| Net operating income to assets | 3.5005% | 56 |
| Return on assets (ROA) | 3.4114% | 55 |
| Pretax return on assets | 3.4151% | 72 |
| Return on Equity (ROE) | 14.9910% | 895 |
| Retained earnings to average equity (ytd only) | 14.9910% | 266 |
| Net charge-offs to loans | -0.0322% | 4,069 |
| Credit loss provision to net charge-offs | -637.1681% | 3,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9650% | 1,733 |
| Assets per employee ($millions) | 2.1530% | 4,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1295% | 3,040 |
| Loan loss allowance to noncurrent loans | 15.2575% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 4.6799% | 20 |
| Noncurrent loans to loans | 7.4028% | 24 |
| Net loans and leases to total assets | 62.4946% | 2,066 |
| Net loans and leases to deposits | 100.4342% | 257 |
| Net loans and leases to core deposits | 101.1322% | 622 |
| Total domestic deposits to total assets | 62.2244% | 4,679 |
| Equity capital to assets | 23.2007% | 113 |
| Core capital (leverage) ratio | 5.6061% | 4,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3444% | 3,073 |
| Memoranda: | ||
| Average total assets | $1,088,461,667 | 912 |
| Average earning assets | $776,910,333 | 1,155 |
| Average equity | $247,695,667 | 448 |
| Average total loans | $701,183,667 | 882 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 147 |
| Cost of funding earning assets | 0.1098% | 4,013 |
| Net interest margin | 4.9213% | 102 |
| Noninterest income to average assets | 14.1329% | 43 |
| Noninterest expense to average assets | 9.2719% | 77 |
| Loan and lease loss provision to assets | 0.1321% | 617 |
| Net operating income to assets | 8.2592% | 28 |
| Return on assets (ROA) | 8.1542% | 26 |
| Pretax return on assets | 8.1594% | 28 |
| Return on Equity (ROE) | 36.1841% | 38 |
| Retained earnings to average equity (ytd only) | 36.1841% | 25 |
| Net charge-offs to loans | -0.0119% | 3,652 |
| Credit loss provision to net charge-offs | -1,714.2857% | 3,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4776% | 4,166 |
| Assets per employee ($millions) | 1.7625% | 4,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0354% | 3,578 |
| Loan loss allowance to noncurrent loans | 13.8045% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 4.8444% | 21 |
| Noncurrent loans to loans | 7.5005% | 29 |
| Net loans and leases to total assets | 63.9114% | 1,632 |
| Net loans and leases to deposits | 95.5278% | 296 |
| Net loans and leases to core deposits | 103.4082% | 417 |
| Total domestic deposits to total assets | 66.9034% | 4,685 |
| Equity capital to assets | 23.4823% | 102 |
| Core capital (leverage) ratio | 5.6529% | 4,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.3448% | 3,086 |
| Memoranda: | ||
| Average total assets | $1,090,134,500 | 915 |
| Average earning assets | $783,125,500 | 1,151 |
| Average equity | $245,666,000 | 458 |
| Average total loans | $708,832,500 | 872 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1229% | 221 |
| Cost of funding earning assets | 0.0880% | 4,477 |
| Net interest margin | 5.0350% | 137 |
| Noninterest income to average assets | 6.9047% | 88 |
| Noninterest expense to average assets | 9.7240% | 74 |
| Loan and lease loss provision to assets | 0.1374% | 883 |
| Net operating income to assets | 0.9196% | 2,972 |
| Return on assets (ROA) | 0.9032% | 3,097 |
| Pretax return on assets | 0.9055% | 3,502 |
| Return on Equity (ROE) | 4.1666% | 4,183 |
| Retained earnings to average equity (ytd only) | 4.1666% | 3,159 |
| Net charge-offs to loans | 0.0176% | 1,930 |
| Credit loss provision to net charge-offs | 1,192.9134% | 471 |
| Earnings coverage of net charge-offs (x) | 91.9606% | 915 |
| Efficiency ratio | 90.1764% | 325 |
| Assets per employee ($millions) | 1.7429% | 4,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 3,876 |
| Loan loss allowance to noncurrent loans | 10.6577% | 4,108 |
| Noncurrent assets plus other real estate owned to assets | 5.9562% | 16 |
| Noncurrent loans to loans | 9.0972% | 22 |
| Net loans and leases to total assets | 64.8309% | 1,603 |
| Net loans and leases to deposits | 95.9178% | 318 |
| Net loans and leases to core deposits | 110.3199% | 279 |
| Total domestic deposits to total assets | 67.5901% | 4,713 |
| Equity capital to assets | 21.5870% | 133 |
| Core capital (leverage) ratio | 8.2279% | 4,185 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6224% | 1,643 |
| Memoranda: | ||
| Average total assets | $1,102,514,800 | 887 |
| Average earning assets | $849,302,600 | 1,036 |
| Average equity | $238,994,400 | 466 |
| Average total loans | $720,877,000 | 858 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0927% | 258 |
| Cost of funding earning assets | 0.0898% | 4,576 |
| Net interest margin | 5.0029% | 157 |
| Noninterest income to average assets | 7.2011% | 88 |
| Noninterest expense to average assets | 9.6647% | 77 |
| Loan and lease loss provision to assets | 0.1393% | 816 |
| Net operating income to assets | 1.2838% | 1,872 |
| Return on assets (ROA) | 1.2690% | 1,977 |
| Pretax return on assets | 1.2723% | 2,698 |
| Return on Equity (ROE) | 5.8481% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.8481% | 2,894 |
| Net charge-offs to loans | 0.0170% | 1,721 |
| Credit loss provision to net charge-offs | 1,255.4348% | 455 |
| Earnings coverage of net charge-offs (x) | 128.5870% | 744 |
| Efficiency ratio | 87.1396% | 393 |
| Assets per employee ($millions) | 1.7424% | 4,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 4,230 |
| Loan loss allowance to noncurrent loans | 8.4673% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 7.0898% | 12 |
| Noncurrent loans to loans | 10.2664% | 17 |
| Net loans and leases to total assets | 68.4521% | 1,264 |
| Net loans and leases to deposits | 89.5801% | 629 |
| Net loans and leases to core deposits | 90.1679% | 1,023 |
| Total domestic deposits to total assets | 76.4144% | 4,523 |
| Equity capital to assets | 21.5152% | 144 |
| Core capital (leverage) ratio | 10.5149% | 2,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9576% | 820 |
| Memoranda: | ||
| Average total assets | $1,105,822,000 | 894 |
| Average earning assets | $859,823,250 | 1,030 |
| Average equity | $239,957,000 | 462 |
| Average total loans | $722,819,250 | 869 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1407% | 281 |
| Cost of funding earning assets | 0.0973% | 4,598 |
| Net interest margin | 5.0434% | 161 |
| Noninterest income to average assets | 8.3887% | 76 |
| Noninterest expense to average assets | 10.0340% | 69 |
| Loan and lease loss provision to assets | 0.1434% | 843 |
| Net operating income to assets | 2.1302% | 379 |
| Return on assets (ROA) | 2.1123% | 419 |
| Pretax return on assets | 2.1206% | 661 |
| Return on Equity (ROE) | 9.7073% | 2,872 |
| Retained earnings to average equity (ytd only) | 9.7073% | 1,496 |
| Net charge-offs to loans | 0.0079% | 1,848 |
| Credit loss provision to net charge-offs | 2,839.2857% | 218 |
| Earnings coverage of net charge-offs (x) | 451.7143% | 287 |
| Efficiency ratio | 81.4717% | 701 |
| Assets per employee ($millions) | 1.7235% | 4,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8865% | 4,190 |
| Loan loss allowance to noncurrent loans | 6.4935% | 4,264 |
| Noncurrent assets plus other real estate owned to assets | 8.7309% | 7 |
| Noncurrent loans to loans | 13.6519% | 11 |
| Net loans and leases to total assets | 63.2909% | 2,033 |
| Net loans and leases to deposits | 82.3862% | 1,189 |
| Net loans and leases to core deposits | 86.9922% | 1,348 |
| Total domestic deposits to total assets | 76.8222% | 4,522 |
| Equity capital to assets | 21.3901% | 143 |
| Core capital (leverage) ratio | 10.8489% | 1,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.4300% | 652 |
| Memoranda: | ||
| Average total assets | $1,108,535,333 | 888 |
| Average earning assets | $863,194,333 | 1,018 |
| Average equity | $241,220,000 | 459 |
| Average total loans | $711,100,667 | 886 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 274 |
| Cost of funding earning assets | 0.1093% | 4,595 |
| Net interest margin | 5.0854% | 167 |
| Noninterest income to average assets | 16.7240% | 47 |
| Noninterest expense to average assets | 8.9658% | 80 |
| Loan and lease loss provision to assets | 0.1463% | 899 |
| Net operating income to assets | 11.5646% | 17 |
| Return on assets (ROA) | 11.5249% | 17 |
| Pretax return on assets | 11.5390% | 24 |
| Return on Equity (ROE) | 52.5144% | 26 |
| Retained earnings to average equity (ytd only) | 52.5144% | 12 |
| Net charge-offs to loans | 0.0141% | 1,466 |
| Credit loss provision to net charge-offs | 1,620.0000% | 289 |
| Earnings coverage of net charge-offs (x) | 1,297.9200% | 66 |
| Efficiency ratio | 43.3322% | 4,610 |
| Assets per employee ($millions) | 1.7800% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7950% | 4,421 |
| Loan loss allowance to noncurrent loans | 5.2255% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 9.8147% | 7 |
| Noncurrent loans to loans | 15.2141% | 7 |
| Net loans and leases to total assets | 63.9936% | 2,044 |
| Net loans and leases to deposits | 83.8876% | 1,158 |
| Net loans and leases to core deposits | 84.4610% | 1,637 |
| Total domestic deposits to total assets | 76.2849% | 4,566 |
| Equity capital to assets | 22.4546% | 120 |
| Core capital (leverage) ratio | 13.2258% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9102% | 458 |
| Memoranda: | ||
| Average total assets | $1,106,963,000 | 884 |
| Average earning assets | $863,490,500 | 1,011 |
| Average equity | $242,935,500 | 453 |
| Average total loans | $711,708,500 | 886 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1541% | 366 |
| Cost of funding earning assets | 0.2667% | 4,309 |
| Net interest margin | 4.8874% | 150 |
| Noninterest income to average assets | 2.9189% | 207 |
| Noninterest expense to average assets | 8.9418% | 84 |
| Loan and lease loss provision to assets | 0.0831% | 3,339 |
| Net operating income to assets | -2.2953% | 4,966 |
| Return on assets (ROA) | -2.2711% | 4,965 |
| Pretax return on assets | -2.2683% | 4,965 |
| Return on Equity (ROE) | -11.0598% | 4,949 |
| Retained earnings to average equity (ytd only) | -11.0598% | 4,920 |
| Net charge-offs to loans | 0.1175% | 1,313 |
| Credit loss provision to net charge-offs | 128.0488% | 2,568 |
| Earnings coverage of net charge-offs (x) | -34.0610% | 3,427 |
| Efficiency ratio | 132.8172% | 52 |
| Assets per employee ($millions) | 1.6676% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 4,401 |
| Loan loss allowance to noncurrent loans | 4.7113% | 4,404 |
| Noncurrent assets plus other real estate owned to assets | 11.0422% | 5 |
| Noncurrent loans to loans | 17.2353% | 6 |
| Net loans and leases to total assets | 63.5430% | 2,426 |
| Net loans and leases to deposits | 82.6359% | 1,587 |
| Net loans and leases to core deposits | 83.6117% | 2,071 |
| Total domestic deposits to total assets | 76.8952% | 4,425 |
| Equity capital to assets | 21.3949% | 153 |
| Core capital (leverage) ratio | 10.4546% | 2,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7862% | 451 |
| Memoranda: | ||
| Average total assets | $1,137,739,800 | 786 |
| Average earning assets | $887,752,800 | 913 |
| Average equity | $233,629,000 | 446 |
| Average total loans | $628,308,600 | 940 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0953% | 507 |
| Cost of funding earning assets | 0.2930% | 4,341 |
| Net interest margin | 4.8023% | 203 |
| Noninterest income to average assets | 1.8956% | 340 |
| Noninterest expense to average assets | 8.1320% | 96 |
| Loan and lease loss provision to assets | 0.0623% | 3,564 |
| Net operating income to assets | -2.5590% | 4,997 |
| Return on assets (ROA) | -2.5254% | 4,997 |
| Pretax return on assets | -2.5221% | 4,996 |
| Return on Equity (ROE) | -12.4177% | 4,977 |
| Retained earnings to average equity (ytd only) | -12.4177% | 4,952 |
| Net charge-offs to loans | 0.1675% | 879 |
| Credit loss provision to net charge-offs | 69.8577% | 2,812 |
| Earnings coverage of net charge-offs (x) | -27.9832% | 3,221 |
| Efficiency ratio | 144.2243% | 44 |
| Assets per employee ($millions) | 2.0107% | 4,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6920% | 4,588 |
| Loan loss allowance to noncurrent loans | 4.3894% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 9.0897% | 17 |
| Noncurrent loans to loans | 15.7652% | 11 |
| Net loans and leases to total assets | 57.2542% | 3,498 |
| Net loans and leases to deposits | 71.8638% | 3,143 |
| Net loans and leases to core deposits | 72.5499% | 3,428 |
| Total domestic deposits to total assets | 79.6704% | 3,932 |
| Equity capital to assets | 18.1710% | 290 |
| Core capital (leverage) ratio | 10.1959% | 2,524 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9604% | 592 |
| Memoranda: | ||
| Average total assets | $1,156,604,250 | 765 |
| Average earning assets | $901,440,250 | 889 |
| Average equity | $235,217,750 | 437 |
| Average total loans | $615,252,750 | 952 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 574 |
| Cost of funding earning assets | 0.3380% | 4,322 |
| Net interest margin | 4.8601% | 257 |
| Noninterest income to average assets | -0.7757% | 5,055 |
| Noninterest expense to average assets | 7.6174% | 97 |
| Loan and lease loss provision to assets | 0.0331% | 3,849 |
| Net operating income to assets | -4.7171% | 5,048 |
| Return on assets (ROA) | -4.6919% | 5,048 |
| Pretax return on assets | -4.6867% | 5,043 |
| Return on Equity (ROE) | -22.1727% | 5,034 |
| Retained earnings to average equity (ytd only) | -22.1727% | 5,013 |
| Net charge-offs to loans | 0.3003% | 530 |
| Credit loss provision to net charge-offs | 21.4120% | 2,728 |
| Earnings coverage of net charge-offs (x) | -30.2500% | 3,007 |
| Efficiency ratio | 259.2202% | 13 |
| Assets per employee ($millions) | 2.0452% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7821% | 4,382 |
| Loan loss allowance to noncurrent loans | 5.6465% | 4,516 |
| Noncurrent assets plus other real estate owned to assets | 6.6807% | 35 |
| Noncurrent loans to loans | 13.8516% | 16 |
| Net loans and leases to total assets | 47.7277% | 4,271 |
| Net loans and leases to deposits | 60.7916% | 4,078 |
| Net loans and leases to core deposits | 61.4552% | 4,193 |
| Total domestic deposits to total assets | 78.5103% | 4,113 |
| Equity capital to assets | 18.5306% | 264 |
| Core capital (leverage) ratio | 9.7817% | 3,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6507% | 614 |
| Memoranda: | ||
| Average total assets | $1,117,201,000 | 777 |
| Average earning assets | $853,806,333 | 917 |
| Average equity | $236,408,000 | 431 |
| Average total loans | $575,346,667 | 993 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0445% | 886 |
| Cost of funding earning assets | 0.4456% | 4,172 |
| Net interest margin | 4.5989% | 414 |
| Noninterest income to average assets | -3.9152% | 5,114 |
| Noninterest expense to average assets | 8.8564% | 86 |
| Loan and lease loss provision to assets | 0.0170% | 3,583 |
| Net operating income to assets | -9.3885% | 5,104 |
| Return on assets (ROA) | -9.3885% | 5,103 |
| Pretax return on assets | -9.3821% | 5,101 |
| Return on Equity (ROE) | -41.3738% | 5,094 |
| Retained earnings to average equity (ytd only) | -41.3738% | 5,072 |
| Net charge-offs to loans | 0.5678% | 261 |
| Credit loss provision to net charge-offs | 5.5970% | 2,240 |
| Earnings coverage of net charge-offs (x) | -30.8433% | 2,550 |
| Efficiency ratio | -1,740.9800% | 5,113 |
| Assets per employee ($millions) | 1.7747% | 5,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 4,414 |
| Loan loss allowance to noncurrent loans | 6.8715% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 6.3643% | 43 |
| Noncurrent loans to loans | 11.6354% | 23 |
| Net loans and leases to total assets | 53.7621% | 4,007 |
| Net loans and leases to deposits | 73.4982% | 3,324 |
| Net loans and leases to core deposits | 74.5526% | 3,602 |
| Total domestic deposits to total assets | 73.1474% | 4,716 |
| Equity capital to assets | 21.8316% | 180 |
| Core capital (leverage) ratio | 9.5755% | 3,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9389% | 649 |
| Memoranda: | ||
| Average total assets | $1,059,163,500 | 784 |
| Average earning assets | $784,532,500 | 957 |
| Average equity | $240,345,500 | 421 |
| Average total loans | $566,393,000 | 985 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5040% | 558 |
| Cost of funding earning assets | 0.5062% | 4,064 |
| Net interest margin | 4.9978% | 274 |
| Noninterest income to average assets | 5.6692% | 89 |
| Noninterest expense to average assets | 9.2238% | 80 |
| Loan and lease loss provision to assets | -0.0936% | 5,069 |
| Net operating income to assets | 0.2387% | 4,810 |
| Return on assets (ROA) | 0.2387% | 4,830 |
| Pretax return on assets | 0.2333% | 4,866 |
| Return on Equity (ROE) | 1.0183% | 4,914 |
| Retained earnings to average equity (ytd only) | 1.0183% | 4,377 |
| Net charge-offs to loans | 0.0883% | 1,855 |
| Credit loss provision to net charge-offs | -213.3621% | 4,312 |
| Earnings coverage of net charge-offs (x) | 3.1832% | 3,349 |
| Efficiency ratio | 98.5085% | 179 |
| Assets per employee ($millions) | 1.8036% | 5,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9457% | 3,761 |
| Loan loss allowance to noncurrent loans | 7.5875% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 6.6382% | 30 |
| Noncurrent loans to loans | 12.4637% | 13 |
| Net loans and leases to total assets | 52.2658% | 4,205 |
| Net loans and leases to deposits | 82.4309% | 2,504 |
| Net loans and leases to core deposits | 85.8964% | 2,796 |
| Total domestic deposits to total assets | 63.4056% | 5,058 |
| Equity capital to assets | 23.5414% | 146 |
| Core capital (leverage) ratio | 9.4882% | 4,079 |
| Tier 1 risk-based capital ratio | 22.5141% | 962 |
| Total risk-based capital ratio | 24.0282% | 919 |
| Memoranda: | ||
| Average total assets | $1,057,605,600 | 747 |
| Average earning assets | $781,746,000 | 928 |
| Average equity | $247,963,000 | 394 |
| Average total loans | $525,420,800 | 1,026 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 740 |
| Cost of funding earning assets | 0.5483% | 3,936 |
| Net interest margin | 4.8255% | 399 |
| Noninterest income to average assets | 5.7145% | 88 |
| Noninterest expense to average assets | 9.1425% | 81 |
| Loan and lease loss provision to assets | -0.1307% | 5,184 |
| Net operating income to assets | 0.2867% | 4,860 |
| Return on assets (ROA) | 0.2867% | 4,874 |
| Pretax return on assets | 0.2789% | 4,920 |
| Return on Equity (ROE) | 1.2243% | 4,992 |
| Retained earnings to average equity (ytd only) | 1.2243% | 4,509 |
| Net charge-offs to loans | 0.1302% | 1,222 |
| Credit loss provision to net charge-offs | -205.3571% | 4,176 |
| Earnings coverage of net charge-offs (x) | 2.3274% | 3,207 |
| Efficiency ratio | 98.4052% | 168 |
| Assets per employee ($millions) | 1.8820% | 5,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 3,968 |
| Loan loss allowance to noncurrent loans | 7.6254% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 6.2009% | 45 |
| Noncurrent loans to loans | 12.0528% | 16 |
| Net loans and leases to total assets | 50.3039% | 4,410 |
| Net loans and leases to deposits | 67.8088% | 3,934 |
| Net loans and leases to core deposits | 68.3634% | 4,147 |
| Total domestic deposits to total assets | 74.1848% | 4,807 |
| Equity capital to assets | 22.3677% | 173 |
| Core capital (leverage) ratio | 10.5274% | 3,088 |
| Tier 1 risk-based capital ratio | 24.2970% | 821 |
| Total risk-based capital ratio | 25.8037% | 784 |
| Memoranda: | ||
| Average total assets | $1,055,518,250 | 748 |
| Average earning assets | $782,240,500 | 926 |
| Average equity | $247,218,500 | 398 |
| Average total loans | $516,163,750 | 1,050 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1862% | 1,004 |
| Cost of funding earning assets | 0.6633% | 3,342 |
| Net interest margin | 4.5228% | 731 |
| Noninterest income to average assets | 5.2621% | 91 |
| Noninterest expense to average assets | 8.6124% | 84 |
| Loan and lease loss provision to assets | -0.2932% | 5,271 |
| Net operating income to assets | 0.2667% | 4,919 |
| Return on assets (ROA) | 0.2667% | 4,931 |
| Pretax return on assets | 0.2669% | 4,966 |
| Return on Equity (ROE) | 1.1204% | 5,036 |
| Retained earnings to average equity (ytd only) | 1.1204% | 4,405 |
| Net charge-offs to loans | 0.1766% | 926 |
| Credit loss provision to net charge-offs | -344.3182% | 4,068 |
| Earnings coverage of net charge-offs (x) | -0.3091% | 3,109 |
| Efficiency ratio | 100.3065% | 160 |
| Assets per employee ($millions) | 1.7658% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 4,005 |
| Loan loss allowance to noncurrent loans | 6.8817% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 6.7451% | 43 |
| Noncurrent loans to loans | 13.3690% | 14 |
| Net loans and leases to total assets | 49.5522% | 4,491 |
| Net loans and leases to deposits | 73.1955% | 3,580 |
| Net loans and leases to core deposits | 73.7805% | 3,905 |
| Total domestic deposits to total assets | 67.6983% | 5,112 |
| Equity capital to assets | 23.8234% | 140 |
| Core capital (leverage) ratio | 11.9637% | 1,848 |
| Tier 1 risk-based capital ratio | 26.6409% | 645 |
| Total risk-based capital ratio | 28.2556% | 606 |
| Memoranda: | ||
| Average total assets | $1,033,461,330 | 756 |
| Average earning assets | $759,522,670 | 951 |
| Average equity | $245,992,670 | 400 |
| Average total loans | $498,389,330 | 1,083 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8612% | 1,724 |
| Cost of funding earning assets | 0.7596% | 2,740 |
| Net interest margin | 4.1016% | 1,547 |
| Noninterest income to average assets | 5.0651% | 94 |
| Noninterest expense to average assets | 8.1093% | 87 |
| Loan and lease loss provision to assets | 0.0760% | 2,159 |
| Net operating income to assets | -0.1184% | 5,184 |
| Return on assets (ROA) | -0.1184% | 5,183 |
| Pretax return on assets | -0.1181% | 5,175 |
| Return on Equity (ROE) | -0.4978% | 5,169 |
| Retained earnings to average equity (ytd only) | -0.4978% | 4,596 |
| Net charge-offs to loans | 0.3137% | 478 |
| Credit loss provision to net charge-offs | 51.1811% | 1,970 |
| Earnings coverage of net charge-offs (x) | -0.2835% | 2,684 |
| Efficiency ratio | 100.5216% | 164 |
| Assets per employee ($millions) | 1.6437% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 1,880 |
| Loan loss allowance to noncurrent loans | 9.0636% | 4,790 |
| Noncurrent assets plus other real estate owned to assets | 7.0144% | 36 |
| Noncurrent loans to loans | 14.8712% | 8 |
| Net loans and leases to total assets | 46.2623% | 4,659 |
| Net loans and leases to deposits | 76.0263% | 3,256 |
| Net loans and leases to core deposits | 76.7136% | 3,615 |
| Total domestic deposits to total assets | 60.8504% | 5,275 |
| Equity capital to assets | 23.5272% | 136 |
| Core capital (leverage) ratio | 12.7056% | 1,397 |
| Tier 1 risk-based capital ratio | 27.4923% | 591 |
| Total risk-based capital ratio | 29.1637% | 550 |
| Memoranda: | ||
| Average total assets | $1,026,629,500 | 766 |
| Average earning assets | $751,418,500 | 959 |
| Average equity | $244,258,500 | 402 |
| Average total loans | $485,738,500 | 1,109 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4354% | 456 |
| Cost of funding earning assets | 0.4465% | 3,704 |
| Net interest margin | 4.9889% | 269 |
| Noninterest income to average assets | 6.7386% | 72 |
| Noninterest expense to average assets | 10.7166% | 59 |
| Loan and lease loss provision to assets | -0.4507% | 5,380 |
| Net operating income to assets | 0.0888% | 5,188 |
| Return on assets (ROA) | 0.0888% | 5,179 |
| Pretax return on assets | 0.0889% | 5,183 |
| Return on Equity (ROE) | 0.3661% | 5,205 |
| Retained earnings to average equity (ytd only) | 0.3661% | 4,888 |
| Net charge-offs to loans | -0.0317% | 4,830 |
| Credit loss provision to net charge-offs | 2,853.7975% | 174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4947% | 115 |
| Assets per employee ($millions) | 1.5437% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 1,626 |
| Loan loss allowance to noncurrent loans | 8.5366% | 4,813 |
| Noncurrent assets plus other real estate owned to assets | 7.8636% | 26 |
| Noncurrent loans to loans | 16.4342% | 7 |
| Net loans and leases to total assets | 47.0765% | 4,694 |
| Net loans and leases to deposits | 79.3116% | 3,027 |
| Net loans and leases to core deposits | 79.9065% | 3,435 |
| Total domestic deposits to total assets | 59.3563% | 5,326 |
| Equity capital to assets | 24.0655% | 123 |
| Core capital (leverage) ratio | 11.8108% | 1,864 |
| Tier 1 risk-based capital ratio | 27.2932% | 599 |
| Total risk-based capital ratio | 28.9695% | 571 |
| Memoranda: | ||
| Average total assets | $1,000,375,400 | 764 |
| Average earning assets | $725,116,800 | 963 |
| Average equity | $242,532,400 | 394 |
| Average total loans | $497,748,400 | 1,053 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4646% | 391 |
| Cost of funding earning assets | 0.3346% | 4,281 |
| Net interest margin | 5.1301% | 203 |
| Noninterest income to average assets | 6.9379% | 72 |
| Noninterest expense to average assets | 10.9886% | 58 |
| Loan and lease loss provision to assets | -0.6065% | 5,461 |
| Net operating income to assets | 0.2729% | 5,128 |
| Return on assets (ROA) | 0.2729% | 5,121 |
| Pretax return on assets | 0.2729% | 5,163 |
| Return on Equity (ROE) | 1.1230% | 5,220 |
| Retained earnings to average equity (ytd only) | 1.1230% | 4,824 |
| Net charge-offs to loans | -0.0316% | 4,771 |
| Credit loss provision to net charge-offs | 3,813.4454% | 110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1306% | 116 |
| Assets per employee ($millions) | 1.5428% | 5,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3636% | 1,835 |
| Loan loss allowance to noncurrent loans | 8.1550% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 7.9265% | 38 |
| Noncurrent loans to loans | 16.7211% | 7 |
| Net loans and leases to total assets | 46.6424% | 4,772 |
| Net loans and leases to deposits | 64.9192% | 4,282 |
| Net loans and leases to core deposits | 65.3217% | 4,444 |
| Total domestic deposits to total assets | 71.8468% | 5,140 |
| Equity capital to assets | 23.1721% | 142 |
| Core capital (leverage) ratio | 11.5838% | 2,108 |
| Tier 1 risk-based capital ratio | 27.5906% | 593 |
| Total risk-based capital ratio | 29.2834% | 557 |
| Memoranda: | ||
| Average total assets | $997,685,250 | 763 |
| Average earning assets | $722,909,750 | 964 |
| Average equity | $242,450,000 | 393 |
| Average total loans | $501,490,500 | 1,041 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4199% | 371 |
| Cost of funding earning assets | 0.3621% | 3,996 |
| Net interest margin | 5.0578% | 223 |
| Noninterest income to average assets | 7.2561% | 71 |
| Noninterest expense to average assets | 11.5524% | 53 |
| Loan and lease loss provision to assets | -1.0071% | 5,534 |
| Net operating income to assets | 0.3398% | 5,061 |
| Return on assets (ROA) | 0.3398% | 5,061 |
| Pretax return on assets | 0.3400% | 5,119 |
| Return on Equity (ROE) | 1.3756% | 5,236 |
| Retained earnings to average equity (ytd only) | 1.3756% | 4,670 |
| Net charge-offs to loans | -0.0678% | 5,029 |
| Credit loss provision to net charge-offs | 2,896.4912% | 150 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1286% | 113 |
| Assets per employee ($millions) | 1.4710% | 5,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 2,636 |
| Loan loss allowance to noncurrent loans | 7.3815% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 8.5774% | 33 |
| Noncurrent loans to loans | 16.4592% | 6 |
| Net loans and leases to total assets | 51.1737% | 4,530 |
| Net loans and leases to deposits | 72.2516% | 3,689 |
| Net loans and leases to core deposits | 72.7769% | 3,959 |
| Total domestic deposits to total assets | 70.8271% | 5,242 |
| Equity capital to assets | 24.0325% | 129 |
| Core capital (leverage) ratio | 12.0319% | 1,694 |
| Tier 1 risk-based capital ratio | 26.4348% | 640 |
| Total risk-based capital ratio | 28.1180% | 607 |
| Memoranda: | ||
| Average total assets | $983,636,000 | 776 |
| Average earning assets | $705,800,670 | 980 |
| Average equity | $242,949,670 | 390 |
| Average total loans | $504,751,330 | 1,038 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 446 |
| Cost of funding earning assets | 0.4013% | 3,576 |
| Net interest margin | 4.8457% | 311 |
| Noninterest income to average assets | 7.2748% | 71 |
| Noninterest expense to average assets | 12.3324% | 54 |
| Loan and lease loss provision to assets | -2.0452% | 5,604 |
| Net operating income to assets | 0.4273% | 4,868 |
| Return on assets (ROA) | 0.4273% | 4,876 |
| Pretax return on assets | 0.4273% | 4,991 |
| Return on Equity (ROE) | 1.7062% | 5,220 |
| Retained earnings to average equity (ytd only) | 1.7062% | 4,438 |
| Net charge-offs to loans | -0.0395% | 4,869 |
| Credit loss provision to net charge-offs | 10,138.7755% | 27 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.1003% | 81 |
| Assets per employee ($millions) | 1.4133% | 5,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,347 |
| Loan loss allowance to noncurrent loans | 6.6171% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 9.6808% | 20 |
| Noncurrent loans to loans | 19.3171% | 5 |
| Net loans and leases to total assets | 49.2231% | 4,613 |
| Net loans and leases to deposits | 70.3856% | 3,751 |
| Net loans and leases to core deposits | 70.9215% | 4,030 |
| Total domestic deposits to total assets | 69.9335% | 5,365 |
| Equity capital to assets | 24.9050% | 104 |
| Core capital (leverage) ratio | 12.3617% | 1,452 |
| Tier 1 risk-based capital ratio | 27.2590% | 600 |
| Total risk-based capital ratio | 28.9675% | 565 |
| Memoranda: | ||
| Average total assets | $971,622,000 | 787 |
| Average earning assets | $689,680,000 | 1,007 |
| Average equity | $243,341,000 | 396 |
| Average total loans | $496,126,500 | 1,057 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2866% | 376 |
| Cost of funding earning assets | 0.3882% | 3,353 |
| Net interest margin | 4.8984% | 282 |
| Noninterest income to average assets | 7.5444% | 74 |
| Noninterest expense to average assets | 9.9681% | 70 |
| Loan and lease loss provision to assets | 0.0408% | 3,453 |
| Net operating income to assets | 1.1515% | 1,676 |
| Return on assets (ROA) | 1.1515% | 1,708 |
| Pretax return on assets | 1.1495% | 2,984 |
| Return on Equity (ROE) | 5.2309% | 4,072 |
| Retained earnings to average equity (ytd only) | 1.4812% | 4,412 |
| Net charge-offs to loans | 0.2580% | 1,011 |
| Credit loss provision to net charge-offs | 34.0909% | 3,501 |
| Earnings coverage of net charge-offs (x) | 9.9500% | 2,728 |
| Efficiency ratio | 89.3331% | 458 |
| Assets per employee ($millions) | 1.3674% | 5,611 |
| Cash dividends to net income (ytd only)* | 71.6827% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1952% | 375 |
| Loan loss allowance to noncurrent loans | 11.5121% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 10.0249% | 24 |
| Noncurrent loans to loans | 19.0690% | 3 |
| Net loans and leases to total assets | 51.1209% | 4,581 |
| Net loans and leases to deposits | 76.8658% | 3,244 |
| Net loans and leases to core deposits | 77.4492% | 3,632 |
| Total domestic deposits to total assets | 66.5066% | 5,508 |
| Equity capital to assets | 25.1853% | 97 |
| Core capital (leverage) ratio | 10.6290% | 2,711 |
| Tier 1 risk-based capital ratio | 26.3134% | 641 |
| Total risk-based capital ratio | 28.0484% | 598 |
| Memoranda: | ||
| Average total assets | $1,103,465,400 | 673 |
| Average earning assets | $814,102,000 | 844 |
| Average equity | $242,903,600 | 384 |
| Average total loans | $511,569,800 | 1,006 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1478% | 461 |
| Cost of funding earning assets | 0.4105% | 3,084 |
| Net interest margin | 4.7373% | 385 |
| Noninterest income to average assets | 7.8537% | 77 |
| Noninterest expense to average assets | 9.7832% | 75 |
| Loan and lease loss provision to assets | 0.0510% | 3,075 |
| Net operating income to assets | 1.5494% | 805 |
| Return on assets (ROA) | 1.5494% | 824 |
| Pretax return on assets | 1.5467% | 1,592 |
| Return on Equity (ROE) | 7.2615% | 3,515 |
| Retained earnings to average equity (ytd only) | 2.2556% | 4,512 |
| Net charge-offs to loans | 0.2400% | 890 |
| Credit loss provision to net charge-offs | 47.1289% | 2,944 |
| Earnings coverage of net charge-offs (x) | 14.7605% | 2,275 |
| Efficiency ratio | 85.9617% | 636 |
| Assets per employee ($millions) | 1.5513% | 5,666 |
| Cash dividends to net income (ytd only)* | 68.9373% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3873% | 304 |
| Loan loss allowance to noncurrent loans | 11.5931% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 9.0322% | 31 |
| Noncurrent loans to loans | 20.5927% | 2 |
| Net loans and leases to total assets | 42.5346% | 5,093 |
| Net loans and leases to deposits | 58.6842% | 4,710 |
| Net loans and leases to core deposits | 59.0609% | 4,862 |
| Total domestic deposits to total assets | 72.4804% | 5,349 |
| Equity capital to assets | 22.2497% | 146 |
| Core capital (leverage) ratio | 10.2566% | 3,248 |
| Tier 1 risk-based capital ratio | 27.5359% | 587 |
| Total risk-based capital ratio | 29.3171% | 551 |
| Memoranda: | ||
| Average total assets | $1,136,960,000 | 658 |
| Average earning assets | $846,503,250 | 818 |
| Average equity | $242,587,500 | 383 |
| Average total loans | $512,778,750 | 1,000 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 426 |
| Cost of funding earning assets | 0.4147% | 2,935 |
| Net interest margin | 4.7410% | 363 |
| Noninterest income to average assets | 8.0595% | 76 |
| Noninterest expense to average assets | 9.9236% | 74 |
| Loan and lease loss provision to assets | 0.0514% | 2,956 |
| Net operating income to assets | 1.6136% | 677 |
| Return on assets (ROA) | 1.6136% | 704 |
| Pretax return on assets | 1.6124% | 1,305 |
| Return on Equity (ROE) | 7.6680% | 3,213 |
| Retained earnings to average equity (ytd only) | 0.1226% | 5,045 |
| Net charge-offs to loans | 0.2841% | 714 |
| Credit loss provision to net charge-offs | 39.7039% | 2,649 |
| Earnings coverage of net charge-offs (x) | 12.8452% | 2,166 |
| Efficiency ratio | 85.6414% | 720 |
| Assets per employee ($millions) | 1.4998% | 5,720 |
| Cash dividends to net income (ytd only)* | 98.4010% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2078% | 431 |
| Loan loss allowance to noncurrent loans | 11.1158% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 9.8035% | 30 |
| Noncurrent loans to loans | 19.8622% | 4 |
| Net loans and leases to total assets | 47.8898% | 4,830 |
| Net loans and leases to deposits | 66.5507% | 4,185 |
| Net loans and leases to core deposits | 67.0197% | 4,418 |
| Total domestic deposits to total assets | 71.9598% | 5,456 |
| Equity capital to assets | 22.7025% | 131 |
| Core capital (leverage) ratio | 9.8546% | 3,709 |
| Tier 1 risk-based capital ratio | 24.7654% | 772 |
| Total risk-based capital ratio | 26.5303% | 709 |
| Memoranda: | ||
| Average total assets | $1,147,262,330 | 654 |
| Average earning assets | $853,706,330 | 811 |
| Average equity | $241,419,000 | 388 |
| Average total loans | $523,051,330 | 980 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6265% | 1,075 |
| Cost of funding earning assets | 0.3392% | 3,642 |
| Net interest margin | 4.2873% | 817 |
| Noninterest income to average assets | 8.9170% | 66 |
| Noninterest expense to average assets | 10.3775% | 66 |
| Loan and lease loss provision to assets | 0.0994% | 1,900 |
| Net operating income to assets | 1.6503% | 609 |
| Return on assets (ROA) | 1.6503% | 624 |
| Pretax return on assets | 1.6472% | 1,135 |
| Return on Equity (ROE) | 8.1308% | 2,848 |
| Retained earnings to average equity (ytd only) | -5.0658% | 5,390 |
| Net charge-offs to loans | 0.4328% | 426 |
| Credit loss provision to net charge-offs | 52.1201% | 1,966 |
| Earnings coverage of net charge-offs (x) | 9.1572% | 2,012 |
| Efficiency ratio | 85.5936% | 836 |
| Assets per employee ($millions) | 1.6333% | 5,775 |
| Cash dividends to net income (ytd only)* | 162.3035% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3600% | 373 |
| Loan loss allowance to noncurrent loans | 10.8782% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 9.1381% | 41 |
| Noncurrent loans to loans | 21.6952% | 3 |
| Net loans and leases to total assets | 40.8458% | 5,215 |
| Net loans and leases to deposits | 69.8674% | 3,807 |
| Net loans and leases to core deposits | 70.4388% | 4,114 |
| Total domestic deposits to total assets | 58.4620% | 5,780 |
| Equity capital to assets | 20.1325% | 209 |
| Core capital (leverage) ratio | 8.9805% | 4,762 |
| Tier 1 risk-based capital ratio | 24.7562% | 797 |
| Total risk-based capital ratio | 26.5527% | 730 |
| Memoranda: | ||
| Average total assets | $1,186,951,500 | 638 |
| Average earning assets | $887,934,000 | 773 |
| Average equity | $240,910,500 | 384 |
| Average total loans | $523,100,500 | 983 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8506% | 149 |
| Cost of funding earning assets | 0.3191% | 3,854 |
| Net interest margin | 5.5315% | 105 |
| Noninterest income to average assets | 6.0626% | 98 |
| Noninterest expense to average assets | 9.0782% | 87 |
| Loan and lease loss provision to assets | 0.0396% | 3,587 |
| Net operating income to assets | 0.9786% | 2,445 |
| Return on assets (ROA) | 0.9786% | 2,554 |
| Pretax return on assets | 0.9909% | 3,510 |
| Return on Equity (ROE) | 4.6343% | 4,597 |
| Retained earnings to average equity (ytd only) | 2.1281% | 4,321 |
| Net charge-offs to loans | 0.1237% | 2,021 |
| Credit loss provision to net charge-offs | 63.1136% | 3,202 |
| Earnings coverage of net charge-offs (x) | 16.4250% | 2,111 |
| Efficiency ratio | 89.8058% | 568 |
| Assets per employee ($millions) | 1.6571% | 5,829 |
| Cash dividends to net income (ytd only)* | 54.0779% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1828% | 477 |
| Loan loss allowance to noncurrent loans | 10.5771% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 9.6323% | 38 |
| Noncurrent loans to loans | 20.6372% | 6 |
| Net loans and leases to total assets | 45.2995% | 5,052 |
| Net loans and leases to deposits | 78.6474% | 3,023 |
| Net loans and leases to core deposits | 79.3002% | 3,453 |
| Total domestic deposits to total assets | 57.5983% | 5,843 |
| Equity capital to assets | 20.4607% | 196 |
| Core capital (leverage) ratio | 10.3858% | 3,007 |
| Tier 1 risk-based capital ratio | 30.1673% | 474 |
| Total risk-based capital ratio | 31.7610% | 458 |
| Memoranda: | ||
| Average total assets | $1,136,435,600 | 630 |
| Average earning assets | $831,275,200 | 796 |
| Average equity | $239,973,800 | 375 |
| Average total loans | $576,414,200 | 863 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0505% | 115 |
| Cost of funding earning assets | 0.3203% | 3,867 |
| Net interest margin | 5.7302% | 81 |
| Noninterest income to average assets | 6.1554% | 99 |
| Noninterest expense to average assets | 9.2972% | 82 |
| Loan and lease loss provision to assets | 0.0435% | 3,360 |
| Net operating income to assets | 0.9741% | 2,550 |
| Return on assets (ROA) | 0.9741% | 2,679 |
| Pretax return on assets | 0.9888% | 3,671 |
| Return on Equity (ROE) | 4.5754% | 4,684 |
| Retained earnings to average equity (ytd only) | 1.2242% | 5,019 |
| Net charge-offs to loans | 0.1589% | 1,426 |
| Credit loss provision to net charge-offs | 52.8058% | 2,994 |
| Earnings coverage of net charge-offs (x) | 12.5209% | 2,380 |
| Efficiency ratio | 90.0062% | 557 |
| Assets per employee ($millions) | 1.6775% | 5,893 |
| Cash dividends to net income (ytd only)* | 73.2432% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9647% | 765 |
| Loan loss allowance to noncurrent loans | 10.4936% | 5,394 |
| Noncurrent assets plus other real estate owned to assets | 9.5188% | 46 |
| Noncurrent loans to loans | 18.7232% | 6 |
| Net loans and leases to total assets | 49.4186% | 4,864 |
| Net loans and leases to deposits | 66.1204% | 4,331 |
| Net loans and leases to core deposits | 66.4871% | 4,574 |
| Total domestic deposits to total assets | 74.7404% | 5,366 |
| Equity capital to assets | 20.0992% | 225 |
| Core capital (leverage) ratio | 10.7483% | 2,731 |
| Tier 1 risk-based capital ratio | 28.9743% | 526 |
| Total risk-based capital ratio | 30.5605% | 506 |
| Memoranda: | ||
| Average total assets | $1,123,919,000 | 639 |
| Average earning assets | $818,710,750 | 811 |
| Average equity | $239,275,500 | 374 |
| Average total loans | $583,149,250 | 852 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1860% | 104 |
| Cost of funding earning assets | 0.3412% | 3,667 |
| Net interest margin | 5.8448% | 83 |
| Noninterest income to average assets | 6.1651% | 100 |
| Noninterest expense to average assets | 9.7423% | 76 |
| Loan and lease loss provision to assets | 0.1674% | 1,335 |
| Net operating income to assets | 0.4237% | 4,964 |
| Return on assets (ROA) | 0.4237% | 5,050 |
| Pretax return on assets | 0.4395% | 5,263 |
| Return on Equity (ROE) | 1.9502% | 5,518 |
| Retained earnings to average equity (ytd only) | -1.5742% | 5,499 |
| Net charge-offs to loans | 0.1321% | 1,536 |
| Credit loss provision to net charge-offs | 241.5789% | 1,131 |
| Earnings coverage of net charge-offs (x) | 8.7605% | 2,491 |
| Efficiency ratio | 94.1359% | 410 |
| Assets per employee ($millions) | 1.8290% | 5,955 |
| Cash dividends to net income (ytd only)* | 180.7229% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0193% | 707 |
| Loan loss allowance to noncurrent loans | 11.3732% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 8.6811% | 56 |
| Noncurrent loans to loans | 17.7546% | 7 |
| Net loans and leases to total assets | 47.6096% | 5,021 |
| Net loans and leases to deposits | 78.0288% | 3,158 |
| Net loans and leases to core deposits | 78.5184% | 3,601 |
| Total domestic deposits to total assets | 61.0154% | 5,963 |
| Equity capital to assets | 18.2876% | 315 |
| Core capital (leverage) ratio | 11.2014% | 2,233 |
| Tier 1 risk-based capital ratio | 26.5814% | 684 |
| Total risk-based capital ratio | 28.1572% | 638 |
| Memoranda: | ||
| Average total assets | $1,097,073,000 | 654 |
| Average earning assets | $785,352,000 | 849 |
| Average equity | $238,338,670 | 377 |
| Average total loans | $575,147,330 | 864 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7035% | 68 |
| Cost of funding earning assets | 0.4085% | 2,979 |
| Net interest margin | 6.2949% | 57 |
| Noninterest income to average assets | 6.8234% | 91 |
| Noninterest expense to average assets | 10.1129% | 69 |
| Loan and lease loss provision to assets | 0.1884% | 1,052 |
| Net operating income to assets | 0.8470% | 2,998 |
| Return on assets (ROA) | 0.8470% | 3,130 |
| Pretax return on assets | 0.8643% | 3,986 |
| Return on Equity (ROE) | 3.5321% | 5,047 |
| Retained earnings to average equity (ytd only) | -3.5187% | 5,516 |
| Net charge-offs to loans | 0.2674% | 783 |
| Credit loss provision to net charge-offs | 128.2192% | 1,370 |
| Earnings coverage of net charge-offs (x) | 7.1644% | 2,165 |
| Efficiency ratio | 90.5715% | 637 |
| Assets per employee ($millions) | 1.4531% | 6,053 |
| Cash dividends to net income (ytd only)* | 199.6198% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2305% | 566 |
| Loan loss allowance to noncurrent loans | 11.5834% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 10.5439% | 49 |
| Noncurrent loans to loans | 19.2561% | 8 |
| Net loans and leases to total assets | 52.8101% | 4,548 |
| Net loans and leases to deposits | 74.2009% | 3,413 |
| Net loans and leases to core deposits | 74.7511% | 3,816 |
| Total domestic deposits to total assets | 71.1718% | 5,813 |
| Equity capital to assets | 23.1671% | 124 |
| Core capital (leverage) ratio | 12.2363% | 1,475 |
| Tier 1 risk-based capital ratio | 29.8528% | 514 |
| Total risk-based capital ratio | 31.4492% | 489 |
| Memoranda: | ||
| Average total assets | $993,586,500 | 731 |
| Average earning assets | $685,378,000 | 967 |
| Average equity | $238,268,500 | 376 |
| Average total loans | $545,898,000 | 898 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2103% | 109 |
| Cost of funding earning assets | 0.3421% | 3,775 |
| Net interest margin | 5.8682% | 79 |
| Noninterest income to average assets | 6.2688% | 96 |
| Noninterest expense to average assets | 9.2648% | 83 |
| Loan and lease loss provision to assets | 0.0403% | 3,531 |
| Net operating income to assets | 1.2660% | 1,350 |
| Return on assets (ROA) | 1.2660% | 1,399 |
| Pretax return on assets | 1.2823% | 2,346 |
| Return on Equity (ROE) | 5.9968% | 4,031 |
| Retained earnings to average equity (ytd only) | 3.6735% | 3,440 |
| Net charge-offs to loans | 0.0888% | 2,552 |
| Credit loss provision to net charge-offs | 85.0662% | 2,860 |
| Earnings coverage of net charge-offs (x) | 27.9036% | 1,530 |
| Efficiency ratio | 87.5075% | 867 |
| Assets per employee ($millions) | 1.3674% | 6,116 |
| Cash dividends to net income (ytd only)* | 38.7430% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2797% | 532 |
| Loan loss allowance to noncurrent loans | 12.3945% | 5,542 |
| Noncurrent assets plus other real estate owned to assets | 10.4682% | 52 |
| Noncurrent loans to loans | 18.3926% | 8 |
| Net loans and leases to total assets | 54.6567% | 4,432 |
| Net loans and leases to deposits | 79.2557% | 2,911 |
| Net loans and leases to core deposits | 79.9826% | 3,348 |
| Total domestic deposits to total assets | 68.9624% | 5,945 |
| Equity capital to assets | 24.8489% | 94 |
| Core capital (leverage) ratio | 14.0964% | 792 |
| Tier 1 risk-based capital ratio | 33.4800% | 379 |
| Total risk-based capital ratio | 34.9247% | 370 |
| Memoranda: | ||
| Average total assets | $1,116,036,000 | 630 |
| Average earning assets | $821,329,400 | 761 |
| Average equity | $235,608,200 | 366 |
| Average total loans | $595,977,800 | 782 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2900% | 96 |
| Cost of funding earning assets | 0.3302% | 3,988 |
| Net interest margin | 5.9598% | 73 |
| Noninterest income to average assets | 5.9842% | 108 |
| Noninterest expense to average assets | 9.0170% | 93 |
| Loan and lease loss provision to assets | 0.0520% | 3,156 |
| Net operating income to assets | 1.3511% | 1,228 |
| Return on assets (ROA) | 1.3511% | 1,271 |
| Pretax return on assets | 1.3671% | 2,150 |
| Return on Equity (ROE) | 6.6446% | 3,812 |
| Retained earnings to average equity (ytd only) | 3.5361% | 3,950 |
| Net charge-offs to loans | 0.0367% | 3,167 |
| Credit loss provision to net charge-offs | 267.8571% | 1,075 |
| Earnings coverage of net charge-offs (x) | 73.1562% | 794 |
| Efficiency ratio | 86.4023% | 975 |
| Assets per employee ($millions) | 1.5878% | 6,189 |
| Cash dividends to net income (ytd only)* | 46.7823% | 2,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 668 |
| Loan loss allowance to noncurrent loans | 15.5347% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 7.4308% | 97 |
| Noncurrent loans to loans | 14.1453% | 19 |
| Net loans and leases to total assets | 50.2366% | 4,911 |
| Net loans and leases to deposits | 70.0297% | 3,981 |
| Net loans and leases to core deposits | 70.6468% | 4,311 |
| Total domestic deposits to total assets | 71.7361% | 5,879 |
| Equity capital to assets | 21.2291% | 185 |
| Core capital (leverage) ratio | 13.7823% | 914 |
| Tier 1 risk-based capital ratio | 34.0299% | 379 |
| Total risk-based capital ratio | 35.4726% | 370 |
| Memoranda: | ||
| Average total assets | $1,154,722,500 | 612 |
| Average earning assets | $862,557,000 | 741 |
| Average equity | $234,792,750 | 373 |
| Average total loans | $610,555,750 | 772 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4299% | 81 |
| Cost of funding earning assets | 0.3239% | 4,105 |
| Net interest margin | 6.1060% | 70 |
| Noninterest income to average assets | 4.3106% | 147 |
| Noninterest expense to average assets | 7.4358% | 130 |
| Loan and lease loss provision to assets | 0.0514% | 3,091 |
| Net operating income to assets | 1.3941% | 1,100 |
| Return on assets (ROA) | 1.3941% | 1,139 |
| Pretax return on assets | 1.4108% | 1,934 |
| Return on Equity (ROE) | 6.9543% | 3,638 |
| Retained earnings to average equity (ytd only) | 5.0574% | 2,825 |
| Net charge-offs to loans | 0.0373% | 2,938 |
| Credit loss provision to net charge-offs | 258.6207% | 1,026 |
| Earnings coverage of net charge-offs (x) | 73.5517% | 752 |
| Efficiency ratio | 83.5673% | 1,306 |
| Assets per employee ($millions) | 1.7987% | 6,238 |
| Cash dividends to net income (ytd only)* | 27.2772% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8479% | 1,272 |
| Loan loss allowance to noncurrent loans | 17.5656% | 5,703 |
| Noncurrent assets plus other real estate owned to assets | 5.8589% | 165 |
| Noncurrent loans to loans | 10.5202% | 46 |
| Net loans and leases to total assets | 52.9628% | 4,667 |
| Net loans and leases to deposits | 85.1441% | 2,158 |
| Net loans and leases to core deposits | 85.8696% | 2,784 |
| Total domestic deposits to total assets | 62.2037% | 6,227 |
| Equity capital to assets | 18.8696% | 273 |
| Core capital (leverage) ratio | 14.7832% | 657 |
| Tier 1 risk-based capital ratio | 31.1000% | 489 |
| Total risk-based capital ratio | 32.5143% | 479 |
| Memoranda: | ||
| Average total assets | $1,167,024,330 | 608 |
| Average earning assets | $876,777,000 | 733 |
| Average equity | $233,956,330 | 376 |
| Average total loans | $622,684,330 | 759 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2004% | 104 |
| Cost of funding earning assets | 0.3367% | 4,016 |
| Net interest margin | 5.8636% | 81 |
| Noninterest income to average assets | 4.4282% | 147 |
| Noninterest expense to average assets | 7.8693% | 123 |
| Loan and lease loss provision to assets | 0.0534% | 2,873 |
| Net operating income to assets | 0.8226% | 3,142 |
| Return on assets (ROA) | 0.8226% | 3,271 |
| Pretax return on assets | 0.8422% | 4,097 |
| Return on Equity (ROE) | 3.9728% | 4,990 |
| Retained earnings to average equity (ytd only) | 3.9728% | 3,616 |
| Net charge-offs to loans | -0.0867% | 5,792 |
| Credit loss provision to net charge-offs | -116.2791% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7817% | 862 |
| Assets per employee ($millions) | 1.7159% | 6,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9502% | 1,185 |
| Loan loss allowance to noncurrent loans | 20.1055% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 5.5811% | 200 |
| Noncurrent loans to loans | 9.6996% | 65 |
| Net loans and leases to total assets | 54.0398% | 4,440 |
| Net loans and leases to deposits | 84.3048% | 2,029 |
| Net loans and leases to core deposits | 85.0441% | 2,651 |
| Total domestic deposits to total assets | 64.1005% | 6,277 |
| Equity capital to assets | 19.9124% | 233 |
| Core capital (leverage) ratio | 17.0922% | 350 |
| Tier 1 risk-based capital ratio | 30.0033% | 540 |
| Total risk-based capital ratio | 31.2717% | 535 |
| Memoranda: | ||
| Average total assets | $1,122,796,500 | 626 |
| Average earning assets | $830,404,500 | 772 |
| Average equity | $232,482,500 | 376 |
| Average total loans | $595,298,500 | 787 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3386% | 103 |
| Cost of funding earning assets | 0.3840% | 3,860 |
| Net interest margin | 5.9545% | 87 |
| Noninterest income to average assets | 7.2652% | 90 |
| Noninterest expense to average assets | 9.2265% | 83 |
| Loan and lease loss provision to assets | 0.0070% | 4,488 |
| Net operating income to assets | 2.3410% | 183 |
| Return on assets (ROA) | 2.3410% | 186 |
| Pretax return on assets | 2.3610% | 246 |
| Return on Equity (ROE) | 10.2981% | 1,986 |
| Retained earnings to average equity (ytd only) | 1.0009% | 5,322 |
| Net charge-offs to loans | 0.1549% | 2,485 |
| Credit loss provision to net charge-offs | 9.2208% | 4,108 |
| Earnings coverage of net charge-offs (x) | 30.9948% | 1,302 |
| Efficiency ratio | 79.5760% | 1,997 |
| Assets per employee ($millions) | 1.5763% | 6,423 |
| Cash dividends to net income (ytd only)* | 90.2810% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 754 |
| Loan loss allowance to noncurrent loans | 17.5514% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 6.8431% | 156 |
| Noncurrent loans to loans | 12.9265% | 40 |
| Net loans and leases to total assets | 49.5741% | 5,011 |
| Net loans and leases to deposits | 81.9859% | 2,471 |
| Net loans and leases to core deposits | 82.7757% | 3,020 |
| Total domestic deposits to total assets | 60.4666% | 6,402 |
| Equity capital to assets | 21.5742% | 170 |
| Core capital (leverage) ratio | 21.4479% | 156 |
| Tier 1 risk-based capital ratio | 43.7646% | 188 |
| Total risk-based capital ratio | 45.0340% | 188 |
| Memoranda: | ||
| Average total assets | $1,007,826,600 | 672 |
| Average earning assets | $732,751,800 | 839 |
| Average equity | $229,101,200 | 361 |
| Average total loans | $497,186,800 | 901 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2976% | 111 |
| Cost of funding earning assets | 0.3924% | 3,873 |
| Net interest margin | 5.9052% | 90 |
| Noninterest income to average assets | 7.4120% | 90 |
| Noninterest expense to average assets | 9.2517% | 80 |
| Loan and lease loss provision to assets | 0.0050% | 4,314 |
| Net operating income to assets | 2.4260% | 161 |
| Return on assets (ROA) | 2.4260% | 161 |
| Pretax return on assets | 2.4446% | 235 |
| Return on Equity (ROE) | 10.5270% | 1,984 |
| Retained earnings to average equity (ytd only) | -0.3232% | 5,853 |
| Net charge-offs to loans | 0.1713% | 2,082 |
| Credit loss provision to net charge-offs | 5.9295% | 3,749 |
| Earnings coverage of net charge-offs (x) | 29.2019% | 1,395 |
| Efficiency ratio | 79.0655% | 2,045 |
| Assets per employee ($millions) | 1.5885% | 6,502 |
| Cash dividends to net income (ytd only)* | 103.0699% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3762% | 756 |
| Loan loss allowance to noncurrent loans | 19.9644% | 5,926 |
| Noncurrent assets plus other real estate owned to assets | 6.1251% | 224 |
| Noncurrent loans to loans | 11.9021% | 52 |
| Net loans and leases to total assets | 47.9796% | 5,205 |
| Net loans and leases to deposits | 68.7634% | 4,045 |
| Net loans and leases to core deposits | 69.2415% | 4,393 |
| Total domestic deposits to total assets | 69.7749% | 6,294 |
| Equity capital to assets | 21.4147% | 174 |
| Core capital (leverage) ratio | 21.2984% | 164 |
| Tier 1 risk-based capital ratio | 45.0246% | 180 |
| Total risk-based capital ratio | 46.2938% | 181 |
| Memoranda: | ||
| Average total assets | $991,805,750 | 679 |
| Average earning assets | $720,403,750 | 852 |
| Average equity | $228,562,500 | 354 |
| Average total loans | $485,552,000 | 923 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0915% | 136 |
| Cost of funding earning assets | 0.4090% | 3,783 |
| Net interest margin | 5.6826% | 105 |
| Noninterest income to average assets | 7.7584% | 84 |
| Noninterest expense to average assets | 9.5042% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.3294% | 183 |
| Return on assets (ROA) | 2.3294% | 190 |
| Pretax return on assets | 2.3431% | 281 |
| Return on Equity (ROE) | 9.8521% | 2,223 |
| Retained earnings to average equity (ytd only) | -4.1423% | 6,185 |
| Net charge-offs to loans | 0.1650% | 2,071 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 29.0513% | 1,285 |
| Efficiency ratio | 80.2227% | 1,989 |
| Assets per employee ($millions) | 1.4727% | 6,577 |
| Cash dividends to net income (ytd only)* | 142.0455% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4004% | 810 |
| Loan loss allowance to noncurrent loans | 22.9201% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 5.6052% | 297 |
| Noncurrent loans to loans | 10.4729% | 72 |
| Net loans and leases to total assets | 50.6684% | 4,892 |
| Net loans and leases to deposits | 73.2986% | 3,417 |
| Net loans and leases to core deposits | 73.8121% | 3,858 |
| Total domestic deposits to total assets | 69.1260% | 6,386 |
| Equity capital to assets | 22.0797% | 146 |
| Core capital (leverage) ratio | 21.9610% | 132 |
| Tier 1 risk-based capital ratio | 44.6460% | 180 |
| Total risk-based capital ratio | 45.9191% | 180 |
| Memoranda: | ||
| Average total assets | $967,105,330 | 693 |
| Average earning assets | $695,883,670 | 886 |
| Average equity | $228,663,000 | 351 |
| Average total loans | $472,780,670 | 936 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9645% | 150 |
| Cost of funding earning assets | 0.4294% | 3,654 |
| Net interest margin | 5.5351% | 124 |
| Noninterest income to average assets | 8.0632% | 76 |
| Noninterest expense to average assets | 9.9345% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0553% | 304 |
| Return on assets (ROA) | 2.0553% | 315 |
| Pretax return on assets | 2.0693% | 454 |
| Return on Equity (ROE) | 8.3941% | 2,739 |
| Retained earnings to average equity (ytd only) | 8.3941% | 1,457 |
| Net charge-offs to loans | 0.2064% | 1,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 21.2174% | 1,303 |
| Efficiency ratio | 82.7611% | 1,827 |
| Assets per employee ($millions) | 1.3611% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0028% | 433 |
| Loan loss allowance to noncurrent loans | 21.8889% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 6.4204% | 253 |
| Noncurrent loans to loans | 13.7185% | 48 |
| Net loans and leases to total assets | 43.8529% | 5,528 |
| Net loans and leases to deposits | 66.7443% | 4,001 |
| Net loans and leases to core deposits | 67.2680% | 4,375 |
| Total domestic deposits to total assets | 65.7029% | 6,564 |
| Equity capital to assets | 24.7520% | 99 |
| Core capital (leverage) ratio | 24.6419% | 92 |
| Tier 1 risk-based capital ratio | 51.0370% | 128 |
| Total risk-based capital ratio | 52.3146% | 125 |
| Memoranda: | ||
| Average total assets | $943,299,000 | 722 |
| Average earning assets | $671,574,500 | 922 |
| Average equity | $230,971,000 | 348 |
| Average total loans | $445,778,000 | 990 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0995% | 47 |
| Cost of funding earning assets | 0.4997% | 3,616 |
| Net interest margin | 7.5998% | 43 |
| Noninterest income to average assets | 10.0495% | 67 |
| Noninterest expense to average assets | 10.0485% | 78 |
| Loan and lease loss provision to assets | 0.0293% | 4,526 |
| Net operating income to assets | 5.7732% | 41 |
| Return on assets (ROA) | 5.7732% | 41 |
| Pretax return on assets | 5.7848% | 47 |
| Return on Equity (ROE) | 28.1475% | 89 |
| Retained earnings to average equity (ytd only) | 18.8689% | 97 |
| Net charge-offs to loans | 0.1461% | 3,340 |
| Credit loss provision to net charge-offs | 33.4783% | 4,172 |
| Earnings coverage of net charge-offs (x) | 66.4152% | 634 |
| Efficiency ratio | 63.3470% | 5,000 |
| Assets per employee ($millions) | 1.3157% | 6,735 |
| Cash dividends to net income (ytd only)* | 32.9641% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8025% | 599 |
| Loan loss allowance to noncurrent loans | 17.7398% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 7.9680% | 189 |
| Noncurrent loans to loans | 15.7977% | 35 |
| Net loans and leases to total assets | 47.9221% | 5,303 |
| Net loans and leases to deposits | 73.6102% | 3,316 |
| Net loans and leases to core deposits | 74.3062% | 3,810 |
| Total domestic deposits to total assets | 65.1025% | 6,650 |
| Equity capital to assets | 24.2190% | 108 |
| Core capital (leverage) ratio | 24.1192% | 99 |
| Tier 1 risk-based capital ratio | 45.6535% | 162 |
| Total risk-based capital ratio | 46.8780% | 160 |
| Memoranda: | ||
| Average total assets | $1,050,920,400 | 628 |
| Average earning assets | $803,866,200 | 747 |
| Average equity | $215,550,200 | 361 |
| Average total loans | $629,800,800 | 665 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5369% | 36 |
| Cost of funding earning assets | 0.4850% | 3,916 |
| Net interest margin | 8.0519% | 32 |
| Noninterest income to average assets | 11.1063% | 61 |
| Noninterest expense to average assets | 11.1647% | 69 |
| Loan and lease loss provision to assets | 0.0377% | 4,254 |
| Net operating income to assets | 6.1535% | 35 |
| Return on assets (ROA) | 6.1535% | 34 |
| Pretax return on assets | 6.1620% | 44 |
| Return on Equity (ROE) | 31.2373% | 60 |
| Retained earnings to average equity (ytd only) | 31.2373% | 28 |
| Net charge-offs to loans | 0.0960% | 3,603 |
| Credit loss provision to net charge-offs | 63.1470% | 3,224 |
| Earnings coverage of net charge-offs (x) | 103.7625% | 483 |
| Efficiency ratio | 64.2962% | 4,755 |
| Assets per employee ($millions) | 1.4625% | 6,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5126% | 919 |
| Loan loss allowance to noncurrent loans | 16.5177% | 6,306 |
| Noncurrent assets plus other real estate owned to assets | 7.6974% | 246 |
| Noncurrent loans to loans | 15.2113% | 42 |
| Net loans and leases to total assets | 48.6155% | 5,288 |
| Net loans and leases to deposits | 74.8250% | 3,111 |
| Net loans and leases to core deposits | 75.4128% | 3,680 |
| Total domestic deposits to total assets | 64.9723% | 6,726 |
| Equity capital to assets | 22.1161% | 143 |
| Core capital (leverage) ratio | 22.0124% | 136 |
| Tier 1 risk-based capital ratio | 47.5571% | 155 |
| Total risk-based capital ratio | 48.8371% | 152 |
| Memoranda: | ||
| Average total assets | $1,077,803,500 | 615 |
| Average earning assets | $837,689,500 | 717 |
| Average equity | $212,318,000 | 368 |
| Average total loans | $670,969,500 | 625 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1491% | 31 |
| Cost of funding earning assets | 0.4828% | 4,060 |
| Net interest margin | 8.6663% | 30 |
| Noninterest income to average assets | 7.2213% | 95 |
| Noninterest expense to average assets | 8.4683% | 109 |
| Loan and lease loss provision to assets | 0.0556% | 3,889 |
| Net operating income to assets | 5.4834% | 37 |
| Return on assets (ROA) | 5.4834% | 37 |
| Pretax return on assets | 5.4901% | 53 |
| Return on Equity (ROE) | 29.0183% | 77 |
| Retained earnings to average equity (ytd only) | 29.0183% | 35 |
| Net charge-offs to loans | 0.1020% | 3,343 |
| Credit loss provision to net charge-offs | 82.1918% | 2,587 |
| Earnings coverage of net charge-offs (x) | 81.9507% | 551 |
| Efficiency ratio | 60.4276% | 5,411 |
| Assets per employee ($millions) | 1.4366% | 6,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 1,827 |
| Loan loss allowance to noncurrent loans | 15.9975% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 7.8090% | 274 |
| Noncurrent loans to loans | 12.5648% | 82 |
| Net loans and leases to total assets | 60.0144% | 3,653 |
| Net loans and leases to deposits | 90.4464% | 1,101 |
| Net loans and leases to core deposits | 91.0615% | 1,803 |
| Total domestic deposits to total assets | 66.3535% | 6,751 |
| Equity capital to assets | 19.7227% | 217 |
| Core capital (leverage) ratio | 19.5905% | 212 |
| Tier 1 risk-based capital ratio | 37.3863% | 279 |
| Total risk-based capital ratio | 38.6504% | 275 |
| Memoranda: | ||
| Average total assets | $1,078,750,670 | 613 |
| Average earning assets | $845,530,330 | 708 |
| Average equity | $203,844,000 | 377 |
| Average total loans | $715,937,000 | 581 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0949% | 30 |
| Cost of funding earning assets | 0.5110% | 3,959 |
| Net interest margin | 8.5839% | 30 |
| Noninterest income to average assets | 11.8280% | 59 |
| Noninterest expense to average assets | 12.8860% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 5.7208% | 42 |
| Return on assets (ROA) | 5.7208% | 45 |
| Pretax return on assets | 5.7336% | 53 |
| Return on Equity (ROE) | 30.9755% | 70 |
| Retained earnings to average equity (ytd only) | 30.9755% | 43 |
| Net charge-offs to loans | 0.0484% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 171.7640% | 234 |
| Efficiency ratio | 69.2068% | 4,113 |
| Assets per employee ($millions) | 1.3044% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9696% | 2,121 |
| Loan loss allowance to noncurrent loans | 15.6537% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 8.6005% | 275 |
| Noncurrent loans to loans | 12.5824% | 120 |
| Net loans and leases to total assets | 65.6480% | 2,435 |
| Net loans and leases to deposits | 98.3897% | 426 |
| Net loans and leases to core deposits | 99.0244% | 1,004 |
| Total domestic deposits to total assets | 66.7224% | 6,834 |
| Equity capital to assets | 19.8883% | 219 |
| Core capital (leverage) ratio | 19.6341% | 211 |
| Tier 1 risk-based capital ratio | 37.6204% | 276 |
| Total risk-based capital ratio | 38.8835% | 271 |
| Memoranda: | ||
| Average total assets | $1,066,490,000 | 624 |
| Average earning assets | $843,815,500 | 717 |
| Average equity | $196,968,500 | 393 |
| Average total loans | $736,053,500 | 573 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.7703% | 29 |
| Cost of funding earning assets | 0.5155% | 5,110 |
| Net interest margin | 9.2548% | 25 |
| Noninterest income to average assets | 8.8624% | 80 |
| Noninterest expense to average assets | 9.8547% | 84 |
| Loan and lease loss provision to assets | 0.3471% | 1,928 |
| Net operating income to assets | 6.1078% | 37 |
| Return on assets (ROA) | 6.1078% | 37 |
| Pretax return on assets | 6.1307% | 47 |
| Return on Equity (ROE) | 37.0448% | 31 |
| Retained earnings to average equity (ytd only) | 25.4037% | 29 |
| Net charge-offs to loans | 0.5704% | 2,016 |
| Credit loss provision to net charge-offs | 85.9349% | 3,631 |
| Earnings coverage of net charge-offs (x) | 16.0371% | 1,608 |
| Efficiency ratio | 60.3380% | 5,495 |
| Assets per employee ($millions) | 1.4695% | 6,991 |
| Cash dividends to net income (ytd only)* | 31.4243% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7414% | 2,782 |
| Loan loss allowance to noncurrent loans | 15.1296% | 6,488 |
| Noncurrent assets plus other real estate owned to assets | 8.2950% | 325 |
| Noncurrent loans to loans | 11.5097% | 166 |
| Net loans and leases to total assets | 69.6877% | 1,903 |
| Net loans and leases to deposits | 109.6572% | 162 |
| Net loans and leases to core deposits | 110.3078% | 537 |
| Total domestic deposits to total assets | 63.5505% | 6,937 |
| Equity capital to assets | 17.1486% | 392 |
| Core capital (leverage) ratio | 16.8826% | 363 |
| Tier 1 risk-based capital ratio | 32.1123% | 428 |
| Total risk-based capital ratio | 33.3702% | 421 |
| Memoranda: | ||
| Average total assets | $1,042,023,800 | 635 |
| Average earning assets | $841,078,600 | 712 |
| Average equity | $171,805,400 | 438 |
| Average total loans | $737,931,000 | 554 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6851% | 30 |
| Cost of funding earning assets | 0.5295% | 5,249 |
| Net interest margin | 9.1556% | 25 |
| Noninterest income to average assets | 7.9960% | 93 |
| Noninterest expense to average assets | 9.7505% | 85 |
| Loan and lease loss provision to assets | 0.3725% | 1,735 |
| Net operating income to assets | 5.2500% | 41 |
| Return on assets (ROA) | 5.2500% | 41 |
| Pretax return on assets | 5.2749% | 56 |
| Return on Equity (ROE) | 32.1893% | 56 |
| Retained earnings to average equity (ytd only) | 32.1893% | 28 |
| Net charge-offs to loans | 0.7185% | 1,537 |
| Credit loss provision to net charge-offs | 73.2312% | 3,815 |
| Earnings coverage of net charge-offs (x) | 11.1032% | 2,109 |
| Efficiency ratio | 63.3235% | 4,921 |
| Assets per employee ($millions) | 1.5269% | 7,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6443% | 3,352 |
| Loan loss allowance to noncurrent loans | 14.9526% | 6,595 |
| Noncurrent assets plus other real estate owned to assets | 8.1467% | 373 |
| Noncurrent loans to loans | 10.9965% | 205 |
| Net loans and leases to total assets | 71.4737% | 1,652 |
| Net loans and leases to deposits | 107.2248% | 210 |
| Net loans and leases to core deposits | 107.7570% | 660 |
| Total domestic deposits to total assets | 66.6579% | 6,961 |
| Equity capital to assets | 16.9142% | 472 |
| Core capital (leverage) ratio | 16.6066% | 414 |
| Tier 1 risk-based capital ratio | 31.2626% | 472 |
| Total risk-based capital ratio | 32.5249% | 468 |
| Memoranda: | ||
| Average total assets | $1,026,260,500 | 651 |
| Average earning assets | $829,695,750 | 725 |
| Average equity | $167,380,500 | 444 |
| Average total loans | $726,476,000 | 567 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4960% | 28 |
| Cost of funding earning assets | 0.5527% | 5,288 |
| Net interest margin | 8.9433% | 25 |
| Noninterest income to average assets | 8.7603% | 79 |
| Noninterest expense to average assets | 9.9811% | 81 |
| Loan and lease loss provision to assets | 0.0222% | 5,392 |
| Net operating income to assets | 5.9551% | 37 |
| Return on assets (ROA) | 6.0596% | 37 |
| Pretax return on assets | 6.0882% | 50 |
| Return on Equity (ROE) | 37.6670% | 46 |
| Retained earnings to average equity (ytd only) | 37.6670% | 32 |
| Net charge-offs to loans | 0.6780% | 1,633 |
| Credit loss provision to net charge-offs | 4.6698% | 4,789 |
| Earnings coverage of net charge-offs (x) | 12.6378% | 1,856 |
| Efficiency ratio | 62.4326% | 5,176 |
| Assets per employee ($millions) | 1.4482% | 7,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 3,599 |
| Loan loss allowance to noncurrent loans | 14.3511% | 6,651 |
| Noncurrent assets plus other real estate owned to assets | 8.2300% | 410 |
| Noncurrent loans to loans | 11.1625% | 206 |
| Net loans and leases to total assets | 71.4235% | 1,653 |
| Net loans and leases to deposits | 112.1175% | 124 |
| Net loans and leases to core deposits | 112.8378% | 486 |
| Total domestic deposits to total assets | 63.7042% | 7,091 |
| Equity capital to assets | 17.1130% | 430 |
| Core capital (leverage) ratio | 16.8240% | 377 |
| Tier 1 risk-based capital ratio | 33.9408% | 375 |
| Total risk-based capital ratio | 35.2043% | 372 |
| Memoranda: | ||
| Average total assets | $1,000,355,670 | 666 |
| Average earning assets | $808,338,000 | 745 |
| Average equity | $160,931,330 | 457 |
| Average total loans | $701,220,330 | 588 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7463% | 39 |
| Cost of funding earning assets | 0.5749% | 5,319 |
| Net interest margin | 8.1714% | 34 |
| Noninterest income to average assets | 5.8545% | 120 |
| Noninterest expense to average assets | 9.8907% | 83 |
| Loan and lease loss provision to assets | 0.0093% | 5,177 |
| Net operating income to assets | 2.5430% | 171 |
| Return on assets (ROA) | 6.2185% | 38 |
| Pretax return on assets | 6.2599% | 49 |
| Return on Equity (ROE) | 39.9862% | 48 |
| Retained earnings to average equity (ytd only) | 39.9862% | 34 |
| Net charge-offs to loans | 1.2240% | 835 |
| Credit loss provision to net charge-offs | 1.1084% | 3,985 |
| Earnings coverage of net charge-offs (x) | 3.0361% | 2,977 |
| Efficiency ratio | 79.4608% | 2,273 |
| Assets per employee ($millions) | 1.5652% | 7,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7054% | 3,329 |
| Loan loss allowance to noncurrent loans | 14.4024% | 6,699 |
| Noncurrent assets plus other real estate owned to assets | 8.2024% | 456 |
| Noncurrent loans to loans | 11.8409% | 212 |
| Net loans and leases to total assets | 66.8878% | 2,315 |
| Net loans and leases to deposits | 110.0751% | 138 |
| Net loans and leases to core deposits | 110.8019% | 505 |
| Total domestic deposits to total assets | 60.7656% | 7,187 |
| Equity capital to assets | 15.3185% | 691 |
| Core capital (leverage) ratio | 15.0674% | 590 |
| Tier 1 risk-based capital ratio | 31.1835% | 481 |
| Total risk-based capital ratio | 32.1109% | 484 |
| Memoranda: | ||
| Average total assets | $985,697,500 | 676 |
| Average earning assets | $795,264,000 | 756 |
| Average equity | $153,293,000 | 474 |
| Average total loans | $678,130,000 | 613 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4252% | 43 |
| Cost of funding earning assets | 0.8514% | 4,469 |
| Net interest margin | 7.5738% | 38 |
| Noninterest income to average assets | 6.6726% | 95 |
| Noninterest expense to average assets | 9.0052% | 87 |
| Loan and lease loss provision to assets | 0.5545% | 1,882 |
| Net operating income to assets | 3.1418% | 77 |
| Return on assets (ROA) | 3.1418% | 77 |
| Pretax return on assets | 3.1418% | 111 |
| Return on Equity (ROE) | 20.8536% | 229 |
| Retained earnings to average equity (ytd only) | 13.6328% | 188 |
| Net charge-offs to loans | 0.6555% | 2,512 |
| Credit loss provision to net charge-offs | 130.4582% | 2,343 |
| Earnings coverage of net charge-offs (x) | 8.6964% | 2,108 |
| Efficiency ratio | 70.8984% | 3,795 |
| Assets per employee ($millions) | 1.3978% | 7,274 |
| Cash dividends to net income (ytd only)* | 34.6260% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2195% | 1,765 |
| Loan loss allowance to noncurrent loans | 15.8895% | 6,724 |
| Noncurrent assets plus other real estate owned to assets | 9.8843% | 341 |
| Noncurrent loans to loans | 13.9685% | 153 |
| Net loans and leases to total assets | 68.1047% | 2,379 |
| Net loans and leases to deposits | 108.0217% | 207 |
| Net loans and leases to core deposits | 108.7744% | 667 |
| Total domestic deposits to total assets | 63.0472% | 7,191 |
| Equity capital to assets | 15.8176% | 606 |
| Core capital (leverage) ratio | 15.4066% | 540 |
| Tier 1 risk-based capital ratio | 31.8410% | 433 |
| Total risk-based capital ratio | 31.7779% | 483 |
| Memoranda: | ||
| Average total assets | $919,205,400 | 711 |
| Average earning assets | $731,709,800 | 813 |
| Average equity | $138,489,400 | 499 |
| Average total loans | $596,067,800 | 701 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8831% | 55 |
| Cost of funding earning assets | 0.9196% | 4,275 |
| Net interest margin | 6.9635% | 50 |
| Noninterest income to average assets | 7.3539% | 82 |
| Noninterest expense to average assets | 9.0116% | 90 |
| Loan and lease loss provision to assets | 0.7348% | 1,302 |
| Net operating income to assets | 3.1592% | 87 |
| Return on assets (ROA) | 3.1592% | 87 |
| Pretax return on assets | 3.1592% | 122 |
| Return on Equity (ROE) | 21.2345% | 248 |
| Retained earnings to average equity (ytd only) | 21.2345% | 60 |
| Net charge-offs to loans | 0.7521% | 2,059 |
| Credit loss provision to net charge-offs | 153.5173% | 2,022 |
| Earnings coverage of net charge-offs (x) | 8.1358% | 2,230 |
| Efficiency ratio | 69.8269% | 3,982 |
| Assets per employee ($millions) | 1.4784% | 7,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5742% | 1,303 |
| Loan loss allowance to noncurrent loans | 20.4530% | 6,664 |
| Noncurrent assets plus other real estate owned to assets | 8.9111% | 454 |
| Noncurrent loans to loans | 12.5861% | 212 |
| Net loans and leases to total assets | 67.7834% | 2,522 |
| Net loans and leases to deposits | 98.3307% | 558 |
| Net loans and leases to core deposits | 98.9510% | 1,341 |
| Total domestic deposits to total assets | 68.9342% | 7,096 |
| Equity capital to assets | 15.8513% | 658 |
| Core capital (leverage) ratio | 15.2138% | 625 |
| Tier 1 risk-based capital ratio | 32.8171% | 426 |
| Total risk-based capital ratio | 32.7221% | 464 |
| Memoranda: | ||
| Average total assets | $918,722,250 | 718 |
| Average earning assets | $732,448,000 | 818 |
| Average equity | $136,686,250 | 512 |
| Average total loans | $584,690,250 | 725 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7624% | 62 |
| Cost of funding earning assets | 1.0597% | 3,543 |
| Net interest margin | 6.7027% | 64 |
| Noninterest income to average assets | 7.3471% | 89 |
| Noninterest expense to average assets | 9.1291% | 87 |
| Loan and lease loss provision to assets | 0.9114% | 982 |
| Net operating income to assets | 2.6122% | 145 |
| Return on assets (ROA) | 2.6122% | 152 |
| Pretax return on assets | 2.6122% | 213 |
| Return on Equity (ROE) | 17.9608% | 465 |
| Retained earnings to average equity (ytd only) | 17.9608% | 141 |
| Net charge-offs to loans | 1.0707% | 1,469 |
| Credit loss provision to net charge-offs | 138.1649% | 2,211 |
| Earnings coverage of net charge-offs (x) | 5.3418% | 2,635 |
| Efficiency ratio | 72.1515% | 3,704 |
| Assets per employee ($millions) | 1.2962% | 7,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0728% | 836 |
| Loan loss allowance to noncurrent loans | 22.8410% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 8.9377% | 471 |
| Noncurrent loans to loans | 13.4532% | 185 |
| Net loans and leases to total assets | 62.2673% | 3,833 |
| Net loans and leases to deposits | 92.2283% | 1,032 |
| Net loans and leases to core deposits | 92.8063% | 2,040 |
| Total domestic deposits to total assets | 67.5144% | 7,217 |
| Equity capital to assets | 16.8320% | 502 |
| Core capital (leverage) ratio | 16.4311% | 462 |
| Tier 1 risk-based capital ratio | 34.5044% | 365 |
| Total risk-based capital ratio | 33.6472% | 429 |
| Memoranda: | ||
| Average total assets | $912,029,670 | 728 |
| Average earning assets | $721,920,330 | 842 |
| Average equity | $132,644,330 | 526 |
| Average total loans | $561,865,330 | 767 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2766% | 88 |
| Cost of funding earning assets | 1.1813% | 2,937 |
| Net interest margin | 6.0953% | 92 |
| Noninterest income to average assets | 9.2166% | 72 |
| Noninterest expense to average assets | 10.2887% | 74 |
| Loan and lease loss provision to assets | 0.9447% | 832 |
| Net operating income to assets | 2.8599% | 122 |
| Return on assets (ROA) | 2.8599% | 125 |
| Pretax return on assets | 2.8599% | 164 |
| Return on Equity (ROE) | 21.0849% | 287 |
| Retained earnings to average equity (ytd only) | 21.0849% | 152 |
| Net charge-offs to loans | 1.2547% | 1,105 |
| Credit loss provision to net charge-offs | 124.4909% | 2,214 |
| Earnings coverage of net charge-offs (x) | 5.0138% | 2,349 |
| Efficiency ratio | 73.0042% | 3,683 |
| Assets per employee ($millions) | 1.3523% | 7,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1701% | 787 |
| Loan loss allowance to noncurrent loans | 20.0041% | 6,775 |
| Noncurrent assets plus other real estate owned to assets | 9.3744% | 453 |
| Noncurrent loans to loans | 15.8471% | 129 |
| Net loans and leases to total assets | 54.9397% | 5,167 |
| Net loans and leases to deposits | 87.9982% | 1,466 |
| Net loans and leases to core deposits | 93.3106% | 1,975 |
| Total domestic deposits to total assets | 62.4328% | 7,396 |
| Equity capital to assets | 15.4593% | 666 |
| Core capital (leverage) ratio | 15.0520% | 657 |
| Tier 1 risk-based capital ratio | 35.0388% | 349 |
| Total risk-based capital ratio | 34.7222% | 384 |
| Memoranda: | ||
| Average total assets | $957,792,500 | 703 |
| Average earning assets | $766,292,500 | 798 |
| Average equity | $129,913,000 | 535 |
| Average total loans | $579,246,500 | 753 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6431% | 73 |
| Cost of funding earning assets | 1.2040% | 4,539 |
| Net interest margin | 6.4391% | 68 |
| Noninterest income to average assets | 5.8469% | 115 |
| Noninterest expense to average assets | 7.6000% | 127 |
| Loan and lease loss provision to assets | 0.9974% | 1,628 |
| Net operating income to assets | 2.3737% | 139 |
| Return on assets (ROA) | 2.3737% | 145 |
| Pretax return on assets | 2.3737% | 223 |
| Return on Equity (ROE) | 20.3490% | 233 |
| Retained earnings to average equity (ytd only) | 20.3490% | 57 |
| Net charge-offs to loans | 1.2787% | 1,756 |
| Credit loss provision to net charge-offs | 119.8366% | 3,529 |
| Earnings coverage of net charge-offs (x) | 4.0502% | 3,090 |
| Efficiency ratio | 69.2728% | 4,318 |
| Assets per employee ($millions) | 1.6021% | 7,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2475% | 1,782 |
| Loan loss allowance to noncurrent loans | 18.8652% | 6,855 |
| Noncurrent assets plus other real estate owned to assets | 7.8500% | 645 |
| Noncurrent loans to loans | 11.9132% | 297 |
| Net loans and leases to total assets | 62.1046% | 4,263 |
| Net loans and leases to deposits | 95.8383% | 880 |
| Net loans and leases to core deposits | 100.4155% | 1,582 |
| Total domestic deposits to total assets | 64.8015% | 7,423 |
| Equity capital to assets | 12.0148% | 1,906 |
| Core capital (leverage) ratio | 11.6351% | 1,762 |
| Tier 1 risk-based capital ratio | 26.0206% | 753 |
| Total risk-based capital ratio | 26.0950% | 841 |
| Memoranda: | ||
| Average total assets | $955,741,600 | 699 |
| Average earning assets | $760,569,200 | 803 |
| Average equity | $111,484,600 | 602 |
| Average total loans | $622,105,000 | 713 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0066% | 145 |
| Cost of funding earning assets | 1.2561% | 4,534 |
| Net interest margin | 5.7505% | 126 |
| Noninterest income to average assets | 4.7733% | 144 |
| Noninterest expense to average assets | 7.4957% | 126 |
| Loan and lease loss provision to assets | 1.0403% | 1,422 |
| Net operating income to assets | 0.7833% | 3,074 |
| Return on assets (ROA) | 0.7833% | 3,234 |
| Pretax return on assets | 0.7833% | 3,972 |
| Return on Equity (ROE) | 6.7722% | 3,443 |
| Retained earnings to average equity (ytd only) | 6.7722% | 1,954 |
| Net charge-offs to loans | 1.3571% | 1,497 |
| Credit loss provision to net charge-offs | 116.9699% | 3,552 |
| Earnings coverage of net charge-offs (x) | 2.0504% | 4,187 |
| Efficiency ratio | 80.4327% | 2,287 |
| Assets per employee ($millions) | 1.6099% | 7,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 2,290 |
| Loan loss allowance to noncurrent loans | 19.3662% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 7.4932% | 697 |
| Noncurrent loans to loans | 10.1971% | 402 |
| Net loans and leases to total assets | 68.8983% | 3,011 |
| Net loans and leases to deposits | 106.3358% | 351 |
| Net loans and leases to core deposits | 106.8950% | 1,245 |
| Total domestic deposits to total assets | 64.7932% | 7,499 |
| Equity capital to assets | 10.5156% | 3,491 |
| Core capital (leverage) ratio | 9.8409% | 3,441 |
| Tier 1 risk-based capital ratio | 16.6723% | 2,472 |
| Total risk-based capital ratio | 17.1644% | 2,749 |
| Memoranda: | ||
| Average total assets | $931,136,250 | 722 |
| Average earning assets | $736,106,500 | 833 |
| Average equity | $107,691,750 | 615 |
| Average total loans | $610,197,250 | 727 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0635% | 141 |
| Cost of funding earning assets | 1.3831% | 3,988 |
| Net interest margin | 5.6804% | 137 |
| Noninterest income to average assets | 5.1498% | 139 |
| Noninterest expense to average assets | 7.9116% | 118 |
| Loan and lease loss provision to assets | 1.0299% | 1,417 |
| Net operating income to assets | 0.6517% | 3,619 |
| Return on assets (ROA) | 0.6517% | 3,774 |
| Pretax return on assets | 0.6517% | 4,391 |
| Return on Equity (ROE) | 5.4420% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.4420% | 2,654 |
| Net charge-offs to loans | 1.8718% | 992 |
| Credit loss provision to net charge-offs | 86.4098% | 4,531 |
| Earnings coverage of net charge-offs (x) | 1.4109% | 4,428 |
| Efficiency ratio | 82.4704% | 2,104 |
| Assets per employee ($millions) | 1.3421% | 7,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2827% | 1,617 |
| Loan loss allowance to noncurrent loans | 18.1790% | 7,023 |
| Noncurrent assets plus other real estate owned to assets | 8.4693% | 554 |
| Noncurrent loans to loans | 12.5569% | 253 |
| Net loans and leases to total assets | 63.2352% | 4,410 |
| Net loans and leases to deposits | 99.3403% | 778 |
| Net loans and leases to core deposits | 99.8889% | 2,032 |
| Total domestic deposits to total assets | 63.6551% | 7,594 |
| Equity capital to assets | 12.4697% | 1,818 |
| Core capital (leverage) ratio | 11.9221% | 1,688 |
| Tier 1 risk-based capital ratio | 23.8346% | 957 |
| Total risk-based capital ratio | 23.9417% | 1,082 |
| Memoranda: | ||
| Average total assets | $892,692,670 | 755 |
| Average earning assets | $698,295,670 | 883 |
| Average equity | $106,908,330 | 617 |
| Average total loans | $568,422,000 | 804 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0024% | 173 |
| Cost of funding earning assets | 1.4270% | 4,011 |
| Net interest margin | 5.5754% | 162 |
| Noninterest income to average assets | 5.3454% | 136 |
| Noninterest expense to average assets | 7.0956% | 149 |
| Loan and lease loss provision to assets | 0.6999% | 1,821 |
| Net operating income to assets | 1.9221% | 399 |
| Return on assets (ROA) | 1.9221% | 437 |
| Pretax return on assets | 1.9221% | 705 |
| Return on Equity (ROE) | 16.3707% | 675 |
| Retained earnings to average equity (ytd only) | 16.3707% | 315 |
| Net charge-offs to loans | 1.9128% | 903 |
| Credit loss provision to net charge-offs | 57.9139% | 4,340 |
| Earnings coverage of net charge-offs (x) | 2.1696% | 3,449 |
| Efficiency ratio | 73.0180% | 3,758 |
| Assets per employee ($millions) | 1.3453% | 7,839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2887% | 1,595 |
| Loan loss allowance to noncurrent loans | 93.3035% | 2,951 |
| Noncurrent assets plus other real estate owned to assets | 1.7096% | 3,910 |
| Noncurrent loans to loans | 2.4529% | 3,222 |
| Net loans and leases to total assets | 61.8497% | 4,792 |
| Net loans and leases to deposits | 100.5388% | 722 |
| Net loans and leases to core deposits | 101.1756% | 2,011 |
| Total domestic deposits to total assets | 61.5182% | 7,727 |
| Equity capital to assets | 12.7854% | 1,608 |
| Core capital (leverage) ratio | 12.2649% | 1,511 |
| Tier 1 risk-based capital ratio | 25.0284% | 860 |
| Total risk-based capital ratio | 25.0885% | 960 |
| Memoranda: | ||
| Average total assets | $907,546,000 | 755 |
| Average earning assets | $711,700,500 | 886 |
| Average equity | $106,556,500 | 616 |
| Average total loans | $573,403,500 | 817 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7797% | 94 |
| Cost of funding earning assets | 1.7051% | 4,479 |
| Net interest margin | 6.0746% | 106 |
| Noninterest income to average assets | 3.2763% | 209 |
| Noninterest expense to average assets | 7.7077% | 163 |
| Loan and lease loss provision to assets | 0.9385% | 2,405 |
| Net operating income to assets | -0.4604% | 6,139 |
| Return on assets (ROA) | 0.1398% | 5,150 |
| Pretax return on assets | 0.1398% | 5,139 |
| Return on Equity (ROE) | 1.4477% | 5,107 |
| Retained earnings to average equity (ytd only) | 1.4477% | 4,052 |
| Net charge-offs to loans | 0.8298% | 2,753 |
| Credit loss provision to net charge-offs | 184.8368% | 2,208 |
| Earnings coverage of net charge-offs (x) | 0.9416% | 5,168 |
| Efficiency ratio | 94.1594% | 1,404 |
| Assets per employee ($millions) | 1.5267% | 7,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0079% | 2,001 |
| Loan loss allowance to noncurrent loans | 121.0959% | 2,327 |
| Noncurrent assets plus other real estate owned to assets | 1.3021% | 4,480 |
| Noncurrent loans to loans | 1.6581% | 4,159 |
| Net loans and leases to total assets | 61.8124% | 5,031 |
| Net loans and leases to deposits | 95.1414% | 1,442 |
| Net loans and leases to core deposits | 102.6719% | 3,724 |
| Total domestic deposits to total assets | 64.9690% | 7,675 |
| Equity capital to assets | 10.8210% | 2,847 |
| Core capital (leverage) ratio | 10.2824% | 2,796 |
| Tier 1 risk-based capital ratio | 22.4617% | 1,101 |
| Total risk-based capital ratio | 22.4781% | 1,230 |
| Memoranda: | ||
| Average total assets | $971,560,200 | 689 |
| Average earning assets | $785,218,600 | 780 |
| Average equity | $93,803,200 | 695 |
| Average total loans | $594,493,800 | 797 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0139% | 79 |
| Cost of funding earning assets | 1.7795% | 4,483 |
| Net interest margin | 6.2344% | 92 |
| Noninterest income to average assets | 1.7753% | 465 |
| Noninterest expense to average assets | 8.1116% | 154 |
| Loan and lease loss provision to assets | 0.9377% | 2,052 |
| Net operating income to assets | -2.2200% | 7,389 |
| Return on assets (ROA) | -1.4212% | 7,065 |
| Pretax return on assets | -1.4212% | 6,924 |
| Return on Equity (ROE) | -15.1744% | 7,197 |
| Retained earnings to average equity (ytd only) | -15.1744% | 7,143 |
| Net charge-offs to loans | 0.8833% | 2,197 |
| Credit loss provision to net charge-offs | 174.8404% | 2,651 |
| Earnings coverage of net charge-offs (x) | -2.3908% | 6,772 |
| Efficiency ratio | 118.7763% | 607 |
| Assets per employee ($millions) | 1.5088% | 7,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9997% | 1,803 |
| Loan loss allowance to noncurrent loans | 169.8312% | 1,719 |
| Noncurrent assets plus other real estate owned to assets | 1.1516% | 4,773 |
| Noncurrent loans to loans | 1.1775% | 4,974 |
| Net loans and leases to total assets | 57.8231% | 5,912 |
| Net loans and leases to deposits | 88.0010% | 2,959 |
| Net loans and leases to core deposits | 95.8336% | 4,830 |
| Total domestic deposits to total assets | 65.7073% | 7,701 |
| Equity capital to assets | 9.9457% | 4,157 |
| Core capital (leverage) ratio | 8.8529% | 4,891 |
| Tier 1 risk-based capital ratio | 20.1725% | 1,523 |
| Total risk-based capital ratio | 19.3972% | 1,896 |
| Memoranda: | ||
| Average total assets | $973,229,750 | 700 |
| Average earning assets | $788,959,000 | 789 |
| Average equity | $91,151,500 | 713 |
| Average total loans | $590,957,750 | 821 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1400% | 84 |
| Cost of funding earning assets | 1.8154% | 4,683 |
| Net interest margin | 6.3247% | 80 |
| Noninterest income to average assets | -1.0564% | 8,159 |
| Noninterest expense to average assets | 6.9406% | 224 |
| Loan and lease loss provision to assets | 0.9224% | 1,827 |
| Net operating income to assets | -3.7731% | 7,796 |
| Return on assets (ROA) | -2.5925% | 7,579 |
| Pretax return on assets | -2.5925% | 7,447 |
| Return on Equity (ROE) | -28.2286% | 7,685 |
| Retained earnings to average equity (ytd only) | -28.2286% | 7,659 |
| Net charge-offs to loans | 0.4624% | 2,978 |
| Credit loss provision to net charge-offs | 325.6612% | 1,433 |
| Earnings coverage of net charge-offs (x) | -10.0643% | 6,528 |
| Efficiency ratio | 169.6995% | 289 |
| Assets per employee ($millions) | 1.7035% | 8,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8537% | 1,898 |
| Loan loss allowance to noncurrent loans | 172.0412% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 4,748 |
| Noncurrent loans to loans | 1.0775% | 5,052 |
| Net loans and leases to total assets | 57.7898% | 5,994 |
| Net loans and leases to deposits | 90.1333% | 2,813 |
| Net loans and leases to core deposits | 96.5156% | 4,843 |
| Total domestic deposits to total assets | 64.1159% | 7,824 |
| Equity capital to assets | 8.7681% | 5,643 |
| Core capital (leverage) ratio | 8.0414% | 6,253 |
| Tier 1 risk-based capital ratio | 19.0191% | 1,777 |
| Total risk-based capital ratio | 18.3549% | 2,218 |
| Memoranda: | ||
| Average total assets | $987,840,670 | 705 |
| Average earning assets | $803,804,670 | 792 |
| Average equity | $90,723,670 | 723 |
| Average total loans | $605,153,000 | 813 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7687% | 119 |
| Cost of funding earning assets | 1.9049% | 4,605 |
| Net interest margin | 5.8638% | 116 |
| Noninterest income to average assets | -8.8556% | 8,245 |
| Noninterest expense to average assets | 6.6195% | 226 |
| Loan and lease loss provision to assets | 0.9346% | 1,392 |
| Net operating income to assets | -11.6523% | 8,183 |
| Return on assets (ROA) | -8.8610% | 8,150 |
| Pretax return on assets | -8.8610% | 8,136 |
| Return on Equity (ROE) | -94.2245% | 8,147 |
| Retained earnings to average equity (ytd only) | -94.2245% | 8,143 |
| Net charge-offs to loans | 0.4206% | 2,422 |
| Credit loss provision to net charge-offs | 355.4160% | 1,426 |
| Earnings coverage of net charge-offs (x) | -40.7598% | 5,691 |
| Efficiency ratio | -161.5230% | 8,237 |
| Assets per employee ($millions) | 1.6602% | 8,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 3,664 |
| Loan loss allowance to noncurrent loans | 159.3338% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 4,959 |
| Noncurrent loans to loans | 0.8606% | 5,297 |
| Net loans and leases to total assets | 69.7649% | 3,728 |
| Net loans and leases to deposits | 107.7110% | 747 |
| Net loans and leases to core deposits | 115.8275% | 2,817 |
| Total domestic deposits to total assets | 64.7704% | 7,807 |
| Equity capital to assets | 8.1034% | 6,672 |
| Core capital (leverage) ratio | 6.2606% | 7,953 |
| Tier 1 risk-based capital ratio | 13.3010% | 3,995 |
| Total risk-based capital ratio | 12.7473% | 5,315 |
| Memoranda: | ||
| Average total assets | $969,012,500 | 719 |
| Average earning assets | $786,183,000 | 813 |
| Average equity | $91,127,000 | 725 |
| Average total loans | $605,816,500 | 812 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8371% | 233 |
| Cost of funding earning assets | 2.1595% | 5,780 |
| Net interest margin | 5.6776% | 155 |
| Noninterest income to average assets | 0.7578% | 2,737 |
| Noninterest expense to average assets | 5.7175% | 461 |
| Loan and lease loss provision to assets | 0.6613% | 2,196 |
| Net operating income to assets | -1.1275% | 7,308 |
| Return on assets (ROA) | -0.0670% | 6,314 |
| Pretax return on assets | -0.0670% | 6,231 |
| Return on Equity (ROE) | -0.4865% | 6,295 |
| Retained earnings to average equity (ytd only) | -24.7732% | 7,802 |
| Net charge-offs to loans | 0.7635% | 1,625 |
| Credit loss provision to net charge-offs | 156.6675% | 3,323 |
| Earnings coverage of net charge-offs (x) | -1.1046% | 6,609 |
| Efficiency ratio | 108.8781% | 735 |
| Assets per employee ($millions) | 1.7219% | 8,082 |
| Cash dividends to net income (ytd only)* | -4,991.6805% | 8,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5849% | 2,307 |
| Loan loss allowance to noncurrent loans | 110.2634% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 1.1915% | 3,867 |
| Noncurrent loans to loans | 1.4374% | 3,645 |
| Net loans and leases to total assets | 52.9770% | 6,751 |
| Net loans and leases to deposits | 78.7993% | 5,228 |
| Net loans and leases to core deposits | 86.0757% | 6,130 |
| Total domestic deposits to total assets | 67.2302% | 7,548 |
| Equity capital to assets | 10.7797% | 3,223 |
| Core capital (leverage) ratio | 9.5272% | 3,977 |
| Tier 1 risk-based capital ratio | 23.4063% | 1,150 |
| Total risk-based capital ratio | 22.0473% | 1,466 |
| Memoranda: | ||
| Average total assets | $897,227,800 | 744 |
| Average earning assets | $710,110,800 | 860 |
| Average equity | $123,524,400 | 546 |
| Average total loans | $496,030,600 | 967 |