Home > Colony Bank > Performance and Condition Ratios
Colony Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 3,152 |
| Cost of funding earning assets | 1.5299% | 1,864 |
| Net interest margin | 2.9361% | 3,417 |
| Noninterest income to average assets | 1.1700% | 511 |
| Noninterest expense to average assets | 2.7497% | 1,630 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.8078% | 2,843 |
| Return on assets (ROA) | 0.8120% | 2,816 |
| Pretax return on assets | 1.0148% | 2,638 |
| Return on Equity (ROE) | 9.3800% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.3834% | 1,159 |
| Net charge-offs to loans | 0.0860% | 1,002 |
| Credit loss provision to net charge-offs | 244.4025% | 1,086 |
| Earnings coverage of net charge-offs (x) | 21.4862% | 1,835 |
| Efficiency ratio | 69.6468% | 1,924 |
| Assets per employee ($millions) | 6.7184% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9611% | 3,485 |
| Loan loss allowance to noncurrent loans | 179.9491% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3502% | 1,561 |
| Noncurrent loans to loans | 0.5341% | 1,459 |
| Net loans and leases to total assets | 62.2000% | 2,655 |
| Net loans and leases to deposits | 73.5308% | 2,652 |
| Net loans and leases to core deposits | 81.8347% | 2,596 |
| Total domestic deposits to total assets | 84.5900% | 2,439 |
| Equity capital to assets | 9.2440% | 2,514 |
| Core capital (leverage) ratio | 9.2774% | 3,449 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8496% | 1,916 |
| Memoranda: | ||
| Average total assets | $3,027,106,800 | 393 |
| Average earning assets | $2,794,457,800 | 383 |
| Average equity | $261,942,000 | 439 |
| Average total loans | $1,847,816,000 | 429 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3786% | 3,144 |
| Cost of funding earning assets | 1.4065% | 1,849 |
| Net interest margin | 2.9721% | 3,396 |
| Noninterest income to average assets | 1.1500% | 529 |
| Noninterest expense to average assets | 2.8096% | 1,417 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 0.7901% | 3,049 |
| Return on assets (ROA) | 0.7949% | 3,034 |
| Pretax return on assets | 0.9941% | 2,875 |
| Return on Equity (ROE) | 9.3500% | 2,836 |
| Retained earnings to average equity (ytd only) | 9.3473% | 1,590 |
| Net charge-offs to loans | 0.0654% | 1,014 |
| Credit loss provision to net charge-offs | 243.9866% | 1,000 |
| Earnings coverage of net charge-offs (x) | 27.2873% | 1,644 |
| Efficiency ratio | 70.9340% | 1,686 |
| Assets per employee ($millions) | 6.7063% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 3,674 |
| Loan loss allowance to noncurrent loans | 187.2561% | 2,585 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 1,716 |
| Noncurrent loans to loans | 0.4902% | 1,595 |
| Net loans and leases to total assets | 60.7700% | 2,775 |
| Net loans and leases to deposits | 71.4208% | 2,747 |
| Net loans and leases to core deposits | 81.9015% | 2,477 |
| Total domestic deposits to total assets | 85.0900% | 2,473 |
| Equity capital to assets | 8.5128% | 2,724 |
| Core capital (leverage) ratio | 8.9934% | 3,786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4273% | 2,104 |
| Memoranda: | ||
| Average total assets | $3,023,020,500 | 398 |
| Average earning assets | $2,790,051,750 | 387 |
| Average equity | $257,093,250 | 440 |
| Average total loans | $1,831,913,000 | 433 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 3,162 |
| Cost of funding earning assets | 1.2612% | 1,821 |
| Net interest margin | 3.0034% | 3,422 |
| Noninterest income to average assets | 1.1100% | 486 |
| Noninterest expense to average assets | 2.8643% | 1,294 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 0.7545% | 3,208 |
| Return on assets (ROA) | 0.7588% | 3,217 |
| Pretax return on assets | 0.9486% | 3,053 |
| Return on Equity (ROE) | 8.9300% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.9252% | 1,706 |
| Net charge-offs to loans | 0.0221% | 1,442 |
| Credit loss provision to net charge-offs | 595.5000% | 580 |
| Earnings coverage of net charge-offs (x) | 76.2950% | 1,076 |
| Efficiency ratio | 72.4617% | 1,509 |
| Assets per employee ($millions) | 6.6340% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 3,736 |
| Loan loss allowance to noncurrent loans | 153.9558% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.3842% | 1,383 |
| Noncurrent loans to loans | 0.5937% | 1,261 |
| Net loans and leases to total assets | 59.8400% | 2,787 |
| Net loans and leases to deposits | 69.4827% | 2,829 |
| Net loans and leases to core deposits | 78.2007% | 2,596 |
| Total domestic deposits to total assets | 86.1300% | 2,193 |
| Equity capital to assets | 8.4390% | 2,914 |
| Core capital (leverage) ratio | 8.8489% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0819% | 2,268 |
| Memoranda: | ||
| Average total assets | $3,002,388,667 | 389 |
| Average earning assets | $2,770,769,667 | 378 |
| Average equity | $255,253,667 | 435 |
| Average total loans | $1,811,811,667 | 423 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 3,124 |
| Cost of funding earning assets | 1.0062% | 2,026 |
| Net interest margin | 3.1509% | 3,231 |
| Noninterest income to average assets | 1.0400% | 540 |
| Noninterest expense to average assets | 2.9013% | 1,233 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.7358% | 3,381 |
| Return on assets (ROA) | 0.7441% | 3,318 |
| Pretax return on assets | 0.9291% | 3,170 |
| Return on Equity (ROE) | 8.7200% | 3,127 |
| Retained earnings to average equity (ytd only) | 8.7182% | 2,020 |
| Net charge-offs to loans | 0.0531% | 832 |
| Credit loss provision to net charge-offs | 321.0970% | 668 |
| Earnings coverage of net charge-offs (x) | 32.4641% | 1,271 |
| Efficiency ratio | 72.2279% | 1,521 |
| Assets per employee ($millions) | 6.0237% | 2,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9153% | 3,815 |
| Loan loss allowance to noncurrent loans | 231.6678% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.2616% | 1,835 |
| Noncurrent loans to loans | 0.3951% | 1,745 |
| Net loans and leases to total assets | 60.1400% | 2,637 |
| Net loans and leases to deposits | 70.3266% | 2,580 |
| Net loans and leases to core deposits | 77.6257% | 2,414 |
| Total domestic deposits to total assets | 85.5200% | 2,718 |
| Equity capital to assets | 8.6251% | 2,803 |
| Core capital (leverage) ratio | 8.8219% | 3,887 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8754% | 2,437 |
| Memoranda: | ||
| Average total assets | $2,957,851,000 | 405 |
| Average earning assets | $2,727,975,500 | 394 |
| Average equity | $252,436,000 | 449 |
| Average total loans | $1,784,162,500 | 436 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5996% | 2,804 |
| Cost of funding earning assets | 0.3368% | 2,578 |
| Net interest margin | 3.2628% | 2,667 |
| Noninterest income to average assets | 1.3000% | 409 |
| Noninterest expense to average assets | 3.2636% | 663 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.7643% | 3,442 |
| Return on assets (ROA) | 0.7467% | 3,431 |
| Pretax return on assets | 0.8992% | 3,358 |
| Return on Equity (ROE) | 8.6700% | 3,211 |
| Retained earnings to average equity (ytd only) | 4.6809% | 3,181 |
| Net charge-offs to loans | 0.0100% | 1,998 |
| Credit loss provision to net charge-offs | 2,217.1053% | 240 |
| Earnings coverage of net charge-offs (x) | 189.5395% | 676 |
| Efficiency ratio | 74.2993% | 1,188 |
| Assets per employee ($millions) | 5.6091% | 3,116 |
| Cash dividends to net income (ytd only)* | 46.0294% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 3,703 |
| Loan loss allowance to noncurrent loans | 282.4518% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 2,069 |
| Noncurrent loans to loans | 0.3254% | 1,985 |
| Net loans and leases to total assets | 59.3800% | 2,693 |
| Net loans and leases to deposits | 68.6692% | 2,689 |
| Net loans and leases to core deposits | 73.3876% | 2,618 |
| Total domestic deposits to total assets | 86.4800% | 2,577 |
| Equity capital to assets | 8.4419% | 2,746 |
| Core capital (leverage) ratio | 8.9739% | 3,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9894% | 2,385 |
| Memoranda: | ||
| Average total assets | $2,763,971,400 | 418 |
| Average earning assets | $2,543,678,000 | 409 |
| Average equity | $237,966,800 | 458 |
| Average total loans | $1,522,225,000 | 470 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4704% | 2,707 |
| Cost of funding earning assets | 0.2378% | 2,842 |
| Net interest margin | 3.2326% | 2,521 |
| Noninterest income to average assets | 1.3800% | 392 |
| Noninterest expense to average assets | 3.3340% | 567 |
| Loan and lease loss provision to assets | 0.1200% | 882 |
| Net operating income to assets | 0.7486% | 3,420 |
| Return on assets (ROA) | 0.7260% | 3,441 |
| Pretax return on assets | 0.8680% | 3,428 |
| Return on Equity (ROE) | 8.3900% | 3,201 |
| Retained earnings to average equity (ytd only) | 3.0138% | 3,770 |
| Net charge-offs to loans | 0.0180% | 1,482 |
| Credit loss provision to net charge-offs | 1,247.4747% | 352 |
| Earnings coverage of net charge-offs (x) | 104.7828% | 929 |
| Efficiency ratio | 75.0957% | 1,168 |
| Assets per employee ($millions) | 5.7608% | 2,978 |
| Cash dividends to net income (ytd only)* | 64.0723% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,720 |
| Loan loss allowance to noncurrent loans | 286.3448% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 2,280 |
| Noncurrent loans to loans | 0.3292% | 2,049 |
| Net loans and leases to total assets | 56.9800% | 2,797 |
| Net loans and leases to deposits | 64.9949% | 2,791 |
| Net loans and leases to core deposits | 68.2707% | 2,777 |
| Total domestic deposits to total assets | 87.6700% | 2,526 |
| Equity capital to assets | 8.5970% | 2,481 |
| Core capital (leverage) ratio | 8.9557% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3377% | 2,344 |
| Memoranda: | ||
| Average total assets | $2,722,976,500 | 424 |
| Average earning assets | $2,504,467,500 | 418 |
| Average equity | $235,664,500 | 466 |
| Average total loans | $1,464,069,000 | 485 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 2,594 |
| Cost of funding earning assets | 0.1970% | 2,954 |
| Net interest margin | 3.1469% | 2,379 |
| Noninterest income to average assets | 1.4559% | 348 |
| Noninterest expense to average assets | 3.4427% | 459 |
| Loan and lease loss provision to assets | 0.0853% | 1,161 |
| Net operating income to assets | 0.7046% | 3,297 |
| Return on assets (ROA) | 0.6834% | 3,321 |
| Pretax return on assets | 0.7980% | 3,338 |
| Return on Equity (ROE) | 7.8782% | 3,052 |
| Retained earnings to average equity (ytd only) | -0.2419% | 4,208 |
| Net charge-offs to loans | 0.0137% | 1,505 |
| Credit loss provision to net charge-offs | 1,185.5670% | 364 |
| Earnings coverage of net charge-offs (x) | 126.2371% | 714 |
| Efficiency ratio | 77.5087% | 1,126 |
| Assets per employee ($millions) | 5.6363% | 3,101 |
| Cash dividends to net income (ytd only)* | 103.0704% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 3,846 |
| Loan loss allowance to noncurrent loans | 282.1948% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 2,386 |
| Noncurrent loans to loans | 0.3318% | 2,145 |
| Net loans and leases to total assets | 54.2687% | 2,932 |
| Net loans and leases to deposits | 61.4659% | 2,929 |
| Net loans and leases to core deposits | 63.2912% | 3,018 |
| Total domestic deposits to total assets | 88.2907% | 2,466 |
| Equity capital to assets | 8.1643% | 2,998 |
| Core capital (leverage) ratio | 8.1015% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4143% | 2,698 |
| Memoranda: | ||
| Average total assets | $2,697,377,667 | 426 |
| Average earning assets | $2,481,244,667 | 422 |
| Average equity | $233,987,333 | 469 |
| Average total loans | $1,415,239,333 | 491 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2729% | 2,467 |
| Cost of funding earning assets | 0.1372% | 3,669 |
| Net interest margin | 3.1357% | 2,068 |
| Noninterest income to average assets | 1.3764% | 397 |
| Noninterest expense to average assets | 3.2560% | 561 |
| Loan and lease loss provision to assets | 0.0074% | 2,178 |
| Net operating income to assets | 0.8405% | 2,522 |
| Return on assets (ROA) | 0.8435% | 2,500 |
| Pretax return on assets | 1.0041% | 2,428 |
| Return on Equity (ROE) | 9.4425% | 2,173 |
| Retained earnings to average equity (ytd only) | -6.4006% | 4,474 |
| Net charge-offs to loans | 0.0119% | 1,328 |
| Credit loss provision to net charge-offs | 121.9512% | 929 |
| Earnings coverage of net charge-offs (x) | 165.0244% | 498 |
| Efficiency ratio | 74.6655% | 1,663 |
| Assets per employee ($millions) | 5.4301% | 3,366 |
| Cash dividends to net income (ytd only)* | 167.7852% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 3,935 |
| Loan loss allowance to noncurrent loans | 209.3502% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.2392% | 2,203 |
| Noncurrent loans to loans | 0.4477% | 1,907 |
| Net loans and leases to total assets | 50.8983% | 3,080 |
| Net loans and leases to deposits | 57.2285% | 3,155 |
| Net loans and leases to core deposits | 58.9417% | 3,242 |
| Total domestic deposits to total assets | 88.9387% | 2,114 |
| Equity capital to assets | 8.8135% | 2,866 |
| Core capital (leverage) ratio | 8.1639% | 4,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2305% | 2,516 |
| Memoranda: | ||
| Average total assets | $2,684,905,000 | 429 |
| Average earning assets | $2,472,400,000 | 428 |
| Average equity | $239,852,000 | 467 |
| Average total loans | $1,377,193,500 | 498 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6342% | 2,298 |
| Cost of funding earning assets | 0.1735% | 3,736 |
| Net interest margin | 3.4607% | 1,850 |
| Noninterest income to average assets | 1.7315% | 383 |
| Noninterest expense to average assets | 3.7532% | 368 |
| Loan and lease loss provision to assets | 0.0333% | 2,387 |
| Net operating income to assets | 0.9083% | 3,003 |
| Return on assets (ROA) | 0.9051% | 3,086 |
| Pretax return on assets | 1.1537% | 2,807 |
| Return on Equity (ROE) | 9.4260% | 2,746 |
| Retained earnings to average equity (ytd only) | -5.5942% | 4,719 |
| Net charge-offs to loans | -0.0070% | 3,635 |
| Credit loss provision to net charge-offs | -843.3735% | 3,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7668% | 1,231 |
| Assets per employee ($millions) | 5.5869% | 3,174 |
| Cash dividends to net income (ytd only)* | 159.3479% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9381% | 3,966 |
| Loan loss allowance to noncurrent loans | 236.9677% | 2,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 2,496 |
| Noncurrent loans to loans | 0.3959% | 2,171 |
| Net loans and leases to total assets | 50.7277% | 3,198 |
| Net loans and leases to deposits | 57.2169% | 3,320 |
| Net loans and leases to core deposits | 59.0102% | 3,391 |
| Total domestic deposits to total assets | 88.6586% | 1,698 |
| Equity capital to assets | 9.0530% | 3,565 |
| Core capital (leverage) ratio | 7.5325% | 4,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1785% | 2,847 |
| Memoranda: | ||
| Average total assets | $2,100,944,000 | 511 |
| Average earning assets | $1,950,537,200 | 510 |
| Average equity | $201,728,200 | 538 |
| Average total loans | $1,193,861,000 | 563 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7186% | 2,224 |
| Cost of funding earning assets | 0.1800% | 3,824 |
| Net interest margin | 3.5386% | 1,761 |
| Noninterest income to average assets | 1.7265% | 425 |
| Noninterest expense to average assets | 3.6981% | 376 |
| Loan and lease loss provision to assets | 0.0444% | 2,108 |
| Net operating income to assets | 1.0257% | 2,816 |
| Return on assets (ROA) | 1.0332% | 2,860 |
| Pretax return on assets | 1.2819% | 2,673 |
| Return on Equity (ROE) | 10.5534% | 2,536 |
| Retained earnings to average equity (ytd only) | -10.5604% | 4,852 |
| Net charge-offs to loans | -0.0116% | 3,732 |
| Credit loss provision to net charge-offs | -650.0000% | 3,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7901% | 1,334 |
| Assets per employee ($millions) | 5.3044% | 3,400 |
| Cash dividends to net income (ytd only)* | 200.0660% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,968 |
| Loan loss allowance to noncurrent loans | 105.1527% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5203% | 1,464 |
| Noncurrent loans to loans | 0.9162% | 1,260 |
| Net loans and leases to total assets | 52.7579% | 3,114 |
| Net loans and leases to deposits | 60.0181% | 3,228 |
| Net loans and leases to core deposits | 62.7866% | 3,238 |
| Total domestic deposits to total assets | 87.9034% | 1,901 |
| Equity capital to assets | 9.6525% | 3,245 |
| Core capital (leverage) ratio | 8.5470% | 3,972 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6840% | 2,806 |
| Memoranda: | ||
| Average total assets | $1,954,349,500 | 548 |
| Average earning assets | $1,816,227,500 | 548 |
| Average equity | $191,339,500 | 570 |
| Average total loans | $1,148,294,500 | 590 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7923% | 2,090 |
| Cost of funding earning assets | 0.1870% | 3,881 |
| Net interest margin | 3.6053% | 1,581 |
| Noninterest income to average assets | 1.8213% | 381 |
| Noninterest expense to average assets | 3.7463% | 353 |
| Loan and lease loss provision to assets | 0.0565% | 1,902 |
| Net operating income to assets | 1.0352% | 2,771 |
| Return on assets (ROA) | 1.0474% | 2,807 |
| Pretax return on assets | 1.4022% | 2,335 |
| Return on Equity (ROE) | 10.6277% | 2,549 |
| Retained earnings to average equity (ytd only) | 3.4027% | 3,715 |
| Net charge-offs to loans | -0.0450% | 4,325 |
| Credit loss provision to net charge-offs | -204.9180% | 3,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4444% | 1,483 |
| Assets per employee ($millions) | 4.6460% | 3,975 |
| Cash dividends to net income (ytd only)* | 67.9832% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2217% | 2,813 |
| Loan loss allowance to noncurrent loans | 139.8414% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5409% | 1,540 |
| Noncurrent loans to loans | 0.8736% | 1,405 |
| Net loans and leases to total assets | 59.4136% | 2,491 |
| Net loans and leases to deposits | 67.1902% | 2,700 |
| Net loans and leases to core deposits | 68.8949% | 2,873 |
| Total domestic deposits to total assets | 88.4259% | 1,608 |
| Equity capital to assets | 10.0113% | 2,837 |
| Core capital (leverage) ratio | 8.8392% | 3,661 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9990% | 1,976 |
| Memoranda: | ||
| Average total assets | $1,769,476,667 | 596 |
| Average earning assets | $1,653,143,667 | 581 |
| Average equity | $174,393,000 | 625 |
| Average total loans | $1,085,540,333 | 623 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7019% | 2,354 |
| Cost of funding earning assets | 0.2014% | 3,900 |
| Net interest margin | 3.5005% | 1,822 |
| Noninterest income to average assets | 1.9275% | 400 |
| Noninterest expense to average assets | 3.5517% | 437 |
| Loan and lease loss provision to assets | 0.1125% | 1,229 |
| Net operating income to assets | 1.1586% | 2,305 |
| Return on assets (ROA) | 1.1579% | 2,373 |
| Pretax return on assets | 1.5310% | 1,913 |
| Return on Equity (ROE) | 11.8404% | 2,076 |
| Retained earnings to average equity (ytd only) | -2.6496% | 4,582 |
| Net charge-offs to loans | -0.0236% | 4,074 |
| Credit loss provision to net charge-offs | -769.2308% | 3,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5916% | 1,997 |
| Assets per employee ($millions) | 4.9204% | 3,742 |
| Cash dividends to net income (ytd only)* | 122.3776% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 3,133 |
| Loan loss allowance to noncurrent loans | 118.8928% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 0.6233% | 1,527 |
| Noncurrent loans to loans | 0.9784% | 1,384 |
| Net loans and leases to total assets | 60.0528% | 2,538 |
| Net loans and leases to deposits | 70.3135% | 2,474 |
| Net loans and leases to core deposits | 72.1367% | 2,691 |
| Total domestic deposits to total assets | 85.4072% | 2,962 |
| Equity capital to assets | 9.5136% | 3,191 |
| Core capital (leverage) ratio | 9.0498% | 3,555 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8104% | 2,368 |
| Memoranda: | ||
| Average total assets | $1,778,441,000 | 587 |
| Average earning assets | $1,660,570,000 | 576 |
| Average equity | $173,913,000 | 621 |
| Average total loans | $1,101,546,500 | 614 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 2,533 |
| Cost of funding earning assets | 0.4294% | 3,411 |
| Net interest margin | 3.6354% | 2,024 |
| Noninterest income to average assets | 1.4083% | 594 |
| Noninterest expense to average assets | 3.5217% | 674 |
| Loan and lease loss provision to assets | 0.3948% | 805 |
| Net operating income to assets | 0.7169% | 3,373 |
| Return on assets (ROA) | 0.7620% | 3,357 |
| Pretax return on assets | 0.9444% | 3,239 |
| Return on Equity (ROE) | 7.4649% | 3,014 |
| Retained earnings to average equity (ytd only) | 3.8672% | 2,888 |
| Net charge-offs to loans | 0.1203% | 1,290 |
| Credit loss provision to net charge-offs | 506.8006% | 1,240 |
| Earnings coverage of net charge-offs (x) | 16.4753% | 2,128 |
| Efficiency ratio | 72.3056% | 1,646 |
| Assets per employee ($millions) | 4.9744% | 3,418 |
| Cash dividends to net income (ytd only)* | 48.1947% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 3,504 |
| Loan loss allowance to noncurrent loans | 132.8550% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 1,836 |
| Noncurrent loans to loans | 0.8209% | 1,705 |
| Net loans and leases to total assets | 62.4530% | 2,546 |
| Net loans and leases to deposits | 75.9663% | 2,285 |
| Net loans and leases to core deposits | 77.8293% | 2,566 |
| Total domestic deposits to total assets | 82.2115% | 3,619 |
| Equity capital to assets | 10.0496% | 3,087 |
| Core capital (leverage) ratio | 9.1152% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5555% | 2,029 |
| Memoranda: | ||
| Average total assets | $1,661,005,200 | 570 |
| Average earning assets | $1,552,034,000 | 558 |
| Average equity | $169,553,600 | 603 |
| Average total loans | $1,075,762,200 | 595 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 2,770 |
| Cost of funding earning assets | 0.4888% | 3,294 |
| Net interest margin | 3.5773% | 2,342 |
| Noninterest income to average assets | 1.2382% | 716 |
| Noninterest expense to average assets | 3.4204% | 779 |
| Loan and lease loss provision to assets | 0.4288% | 779 |
| Net operating income to assets | 0.5794% | 3,832 |
| Return on assets (ROA) | 0.6444% | 3,743 |
| Pretax return on assets | 0.8139% | 3,609 |
| Return on Equity (ROE) | 6.2865% | 3,453 |
| Retained earnings to average equity (ytd only) | 1.4367% | 4,100 |
| Net charge-offs to loans | 0.1381% | 1,054 |
| Credit loss provision to net charge-offs | 476.1991% | 1,321 |
| Earnings coverage of net charge-offs (x) | 12.8869% | 2,224 |
| Efficiency ratio | 73.5421% | 1,455 |
| Assets per employee ($millions) | 4.8595% | 3,420 |
| Cash dividends to net income (ytd only)* | 77.1468% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 3,882 |
| Loan loss allowance to noncurrent loans | 111.0216% | 3,133 |
| Noncurrent assets plus other real estate owned to assets | 0.6728% | 1,715 |
| Noncurrent loans to loans | 0.8576% | 1,727 |
| Net loans and leases to total assets | 65.3517% | 2,602 |
| Net loans and leases to deposits | 80.7924% | 2,224 |
| Net loans and leases to core deposits | 83.0982% | 2,575 |
| Total domestic deposits to total assets | 80.8884% | 3,683 |
| Equity capital to assets | 9.8065% | 3,423 |
| Core capital (leverage) ratio | 9.6562% | 3,088 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3503% | 2,051 |
| Memoranda: | ||
| Average total assets | $1,636,020,500 | 563 |
| Average earning assets | $1,528,752,250 | 553 |
| Average equity | $167,700,250 | 602 |
| Average total loans | $1,066,730,500 | 591 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 2,848 |
| Cost of funding earning assets | 0.5497% | 3,235 |
| Net interest margin | 3.6212% | 2,413 |
| Noninterest income to average assets | 1.0847% | 847 |
| Noninterest expense to average assets | 3.2629% | 1,057 |
| Loan and lease loss provision to assets | 0.5206% | 662 |
| Net operating income to assets | 0.5465% | 3,894 |
| Return on assets (ROA) | 0.5758% | 3,891 |
| Pretax return on assets | 0.7188% | 3,827 |
| Return on Equity (ROE) | 5.5300% | 3,664 |
| Retained earnings to average equity (ytd only) | -1.8081% | 4,570 |
| Net charge-offs to loans | 0.1409% | 1,013 |
| Credit loss provision to net charge-offs | 569.3151% | 1,144 |
| Earnings coverage of net charge-offs (x) | 13.1521% | 2,007 |
| Efficiency ratio | 71.8758% | 1,698 |
| Assets per employee ($millions) | 4.8288% | 3,387 |
| Cash dividends to net income (ytd only)* | 132.6952% | 266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9101% | 3,957 |
| Loan loss allowance to noncurrent loans | 89.7897% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 0.7464% | 1,655 |
| Noncurrent loans to loans | 1.0136% | 1,528 |
| Net loans and leases to total assets | 63.2122% | 2,977 |
| Net loans and leases to deposits | 78.5511% | 2,595 |
| Net loans and leases to core deposits | 80.8887% | 2,881 |
| Total domestic deposits to total assets | 80.4728% | 3,734 |
| Equity capital to assets | 9.5435% | 3,621 |
| Core capital (leverage) ratio | 9.7024% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9205% | 2,215 |
| Memoranda: | ||
| Average total assets | $1,596,601,333 | 564 |
| Average earning assets | $1,490,684,000 | 558 |
| Average equity | $166,256,000 | 601 |
| Average total loans | $1,036,484,000 | 594 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 2,490 |
| Cost of funding earning assets | 0.7079% | 2,902 |
| Net interest margin | 3.7266% | 2,231 |
| Noninterest income to average assets | 1.0260% | 810 |
| Noninterest expense to average assets | 3.4400% | 1,018 |
| Loan and lease loss provision to assets | 0.5183% | 563 |
| Net operating income to assets | 0.4358% | 4,058 |
| Return on assets (ROA) | 0.4995% | 3,957 |
| Pretax return on assets | 0.6108% | 3,902 |
| Return on Equity (ROE) | 4.5722% | 3,794 |
| Retained earnings to average equity (ytd only) | -10.2317% | 4,775 |
| Net charge-offs to loans | 0.1754% | 757 |
| Credit loss provision to net charge-offs | 450.4608% | 935 |
| Earnings coverage of net charge-offs (x) | 9.1382% | 1,832 |
| Efficiency ratio | 75.3394% | 1,640 |
| Assets per employee ($millions) | 4.1267% | 3,753 |
| Cash dividends to net income (ytd only)* | 323.7792% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8384% | 4,310 |
| Loan loss allowance to noncurrent loans | 78.7748% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7628% | 1,772 |
| Noncurrent loans to loans | 1.0642% | 1,560 |
| Net loans and leases to total assets | 65.8371% | 2,835 |
| Net loans and leases to deposits | 76.2961% | 3,043 |
| Net loans and leases to core deposits | 79.2687% | 3,260 |
| Total domestic deposits to total assets | 86.2916% | 1,877 |
| Equity capital to assets | 10.9654% | 2,888 |
| Core capital (leverage) ratio | 9.4425% | 4,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9753% | 2,293 |
| Memoranda: | ||
| Average total assets | $1,508,819,500 | 568 |
| Average earning assets | $1,403,110,500 | 559 |
| Average equity | $164,820,500 | 602 |
| Average total loans | $989,469,000 | 604 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 2,597 |
| Cost of funding earning assets | 0.8467% | 2,445 |
| Net interest margin | 3.7579% | 2,643 |
| Noninterest income to average assets | 1.0035% | 967 |
| Noninterest expense to average assets | 3.3544% | 1,197 |
| Loan and lease loss provision to assets | 0.0787% | 2,421 |
| Net operating income to assets | 0.8705% | 3,313 |
| Return on assets (ROA) | 0.8760% | 3,383 |
| Pretax return on assets | 1.0923% | 3,189 |
| Return on Equity (ROE) | 8.4283% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.8347% | 3,054 |
| Net charge-offs to loans | 0.1707% | 1,180 |
| Credit loss provision to net charge-offs | 72.7273% | 2,874 |
| Earnings coverage of net charge-offs (x) | 10.7609% | 2,549 |
| Efficiency ratio | 73.2920% | 1,690 |
| Assets per employee ($millions) | 4.1983% | 3,636 |
| Cash dividends to net income (ytd only)* | 54.5026% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7011% | 4,569 |
| Loan loss allowance to noncurrent loans | 69.9236% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 0.7367% | 1,759 |
| Noncurrent loans to loans | 1.0027% | 1,516 |
| Net loans and leases to total assets | 64.3130% | 3,156 |
| Net loans and leases to deposits | 74.9864% | 3,261 |
| Net loans and leases to core deposits | 78.2414% | 3,431 |
| Total domestic deposits to total assets | 85.7662% | 2,151 |
| Equity capital to assets | 10.8824% | 3,105 |
| Core capital (leverage) ratio | 9.7697% | 3,765 |
| Tier 1 risk-based capital ratio | 13.5428% | 3,497 |
| Total risk-based capital ratio | 14.1857% | 3,700 |
| Memoranda: | ||
| Average total assets | $1,403,336,400 | 581 |
| Average earning assets | $1,312,597,800 | 569 |
| Average equity | $145,853,800 | 643 |
| Average total loans | $889,061,200 | 648 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5817% | 2,784 |
| Cost of funding earning assets | 0.8646% | 2,387 |
| Net interest margin | 3.7171% | 2,863 |
| Noninterest income to average assets | 0.9703% | 999 |
| Noninterest expense to average assets | 3.2815% | 1,307 |
| Loan and lease loss provision to assets | 0.0508% | 2,886 |
| Net operating income to assets | 0.8965% | 3,359 |
| Return on assets (ROA) | 0.9041% | 3,404 |
| Pretax return on assets | 1.1289% | 3,210 |
| Return on Equity (ROE) | 8.8129% | 2,953 |
| Retained earnings to average equity (ytd only) | 4.0679% | 3,364 |
| Net charge-offs to loans | 0.1848% | 934 |
| Credit loss provision to net charge-offs | 43.6303% | 2,831 |
| Earnings coverage of net charge-offs (x) | 10.0566% | 2,528 |
| Efficiency ratio | 72.8717% | 1,720 |
| Assets per employee ($millions) | 4.1861% | 3,638 |
| Cash dividends to net income (ytd only)* | 53.8412% | 1,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 4,684 |
| Loan loss allowance to noncurrent loans | 65.0695% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 1,858 |
| Noncurrent loans to loans | 1.0490% | 1,526 |
| Net loans and leases to total assets | 65.1709% | 3,162 |
| Net loans and leases to deposits | 76.6270% | 3,236 |
| Net loans and leases to core deposits | 80.7518% | 3,333 |
| Total domestic deposits to total assets | 85.0495% | 2,408 |
| Equity capital to assets | 11.1563% | 2,960 |
| Core capital (leverage) ratio | 9.7551% | 3,902 |
| Tier 1 risk-based capital ratio | 13.6110% | 3,519 |
| Total risk-based capital ratio | 14.2373% | 3,755 |
| Memoranda: | ||
| Average total assets | $1,376,320,500 | 592 |
| Average earning assets | $1,288,998,250 | 581 |
| Average equity | $141,198,250 | 656 |
| Average total loans | $866,604,000 | 669 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 3,168 |
| Cost of funding earning assets | 0.8350% | 2,479 |
| Net interest margin | 3.6200% | 3,193 |
| Noninterest income to average assets | 0.9057% | 1,064 |
| Noninterest expense to average assets | 3.1134% | 1,692 |
| Loan and lease loss provision to assets | 0.0461% | 2,896 |
| Net operating income to assets | 0.9163% | 3,221 |
| Return on assets (ROA) | 0.9240% | 3,252 |
| Pretax return on assets | 1.1551% | 3,062 |
| Return on Equity (ROE) | 9.3041% | 2,723 |
| Retained earnings to average equity (ytd only) | 4.2842% | 3,109 |
| Net charge-offs to loans | 0.1916% | 862 |
| Credit loss provision to net charge-offs | 38.8471% | 2,549 |
| Earnings coverage of net charge-offs (x) | 10.0338% | 2,299 |
| Efficiency ratio | 71.7125% | 1,960 |
| Assets per employee ($millions) | 4.2754% | 3,474 |
| Cash dividends to net income (ytd only)* | 53.9539% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7234% | 4,661 |
| Loan loss allowance to noncurrent loans | 69.6094% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 1,926 |
| Noncurrent loans to loans | 1.0392% | 1,575 |
| Net loans and leases to total assets | 61.9116% | 3,551 |
| Net loans and leases to deposits | 71.6766% | 3,711 |
| Net loans and leases to core deposits | 75.6859% | 3,759 |
| Total domestic deposits to total assets | 86.3763% | 1,860 |
| Equity capital to assets | 10.7387% | 3,318 |
| Core capital (leverage) ratio | 10.1835% | 3,404 |
| Tier 1 risk-based capital ratio | 13.8550% | 3,395 |
| Total risk-based capital ratio | 14.5186% | 3,608 |
| Memoranda: | ||
| Average total assets | $1,343,927,670 | 605 |
| Average earning assets | $1,262,001,000 | 589 |
| Average equity | $133,468,330 | 683 |
| Average total loans | $833,174,330 | 692 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3687% | 3,346 |
| Cost of funding earning assets | 0.8010% | 2,533 |
| Net interest margin | 3.5677% | 3,369 |
| Noninterest income to average assets | 0.7332% | 1,490 |
| Noninterest expense to average assets | 2.7608% | 2,700 |
| Loan and lease loss provision to assets | 0.0415% | 2,798 |
| Net operating income to assets | 1.0372% | 2,708 |
| Return on assets (ROA) | 1.0372% | 2,750 |
| Pretax return on assets | 1.2955% | 2,469 |
| Return on Equity (ROE) | 10.9752% | 1,956 |
| Retained earnings to average equity (ytd only) | 5.3636% | 2,753 |
| Net charge-offs to loans | 0.4197% | 366 |
| Credit loss provision to net charge-offs | 15.9951% | 2,159 |
| Earnings coverage of net charge-offs (x) | 5.1563% | 2,274 |
| Efficiency ratio | 67.1560% | 2,770 |
| Assets per employee ($millions) | 4.1329% | 3,721 |
| Cash dividends to net income (ytd only)* | 51.1294% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8453% | 4,364 |
| Loan loss allowance to noncurrent loans | 87.3757% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 0.7185% | 1,952 |
| Noncurrent loans to loans | 0.9674% | 1,725 |
| Net loans and leases to total assets | 60.5211% | 3,656 |
| Net loans and leases to deposits | 69.4319% | 3,807 |
| Net loans and leases to core deposits | 79.9479% | 3,378 |
| Total domestic deposits to total assets | 87.1662% | 1,733 |
| Equity capital to assets | 9.5359% | 4,225 |
| Core capital (leverage) ratio | 9.9749% | 3,632 |
| Tier 1 risk-based capital ratio | 15.0006% | 2,891 |
| Total risk-based capital ratio | 15.7846% | 3,017 |
| Memoranda: | ||
| Average total assets | $1,263,423,500 | 635 |
| Average earning assets | $1,191,466,500 | 618 |
| Average equity | $119,397,000 | 746 |
| Average total loans | $780,502,000 | 732 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2936% | 3,138 |
| Cost of funding earning assets | 0.6367% | 2,487 |
| Net interest margin | 3.6570% | 3,201 |
| Noninterest income to average assets | 0.7646% | 1,584 |
| Noninterest expense to average assets | 2.7978% | 2,701 |
| Loan and lease loss provision to assets | 0.0165% | 3,825 |
| Net operating income to assets | 1.1023% | 2,588 |
| Return on assets (ROA) | 1.1100% | 2,556 |
| Pretax return on assets | 1.3912% | 2,164 |
| Return on Equity (ROE) | 12.0633% | 1,694 |
| Retained earnings to average equity (ytd only) | 4.6499% | 2,961 |
| Net charge-offs to loans | 0.0558% | 2,343 |
| Credit loss provision to net charge-offs | 46.6357% | 3,225 |
| Earnings coverage of net charge-offs (x) | 39.4733% | 1,324 |
| Efficiency ratio | 66.5844% | 2,770 |
| Assets per employee ($millions) | 3.9676% | 3,936 |
| Cash dividends to net income (ytd only)* | 61.4542% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 4,041 |
| Loan loss allowance to noncurrent loans | 76.7454% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.9060% | 1,530 |
| Noncurrent loans to loans | 1.2133% | 1,317 |
| Net loans and leases to total assets | 61.9503% | 3,572 |
| Net loans and leases to deposits | 71.2895% | 3,725 |
| Net loans and leases to core deposits | 81.2522% | 3,329 |
| Total domestic deposits to total assets | 86.8996% | 1,827 |
| Equity capital to assets | 9.3628% | 4,253 |
| Core capital (leverage) ratio | 10.0774% | 3,488 |
| Tier 1 risk-based capital ratio | 14.7671% | 2,934 |
| Total risk-based capital ratio | 15.6306% | 3,038 |
| Memoranda: | ||
| Average total assets | $1,216,803,600 | 634 |
| Average earning assets | $1,141,742,200 | 622 |
| Average equity | $111,959,400 | 766 |
| Average total loans | $771,884,600 | 724 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2568% | 3,125 |
| Cost of funding earning assets | 0.5967% | 2,494 |
| Net interest margin | 3.6601% | 3,168 |
| Noninterest income to average assets | 0.7520% | 1,668 |
| Noninterest expense to average assets | 2.7809% | 2,700 |
| Loan and lease loss provision to assets | 0.0146% | 3,717 |
| Net operating income to assets | 1.1061% | 2,638 |
| Return on assets (ROA) | 1.1163% | 2,610 |
| Pretax return on assets | 1.4003% | 2,230 |
| Return on Equity (ROE) | 12.1881% | 1,728 |
| Retained earnings to average equity (ytd only) | 2.1909% | 4,510 |
| Net charge-offs to loans | 0.0839% | 1,679 |
| Credit loss provision to net charge-offs | 27.2727% | 2,979 |
| Earnings coverage of net charge-offs (x) | 26.2582% | 1,752 |
| Efficiency ratio | 66.4100% | 2,795 |
| Assets per employee ($millions) | 3.7242% | 4,275 |
| Cash dividends to net income (ytd only)* | 82.0239% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9186% | 4,191 |
| Loan loss allowance to noncurrent loans | 87.9317% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8706% | 1,696 |
| Noncurrent loans to loans | 1.0446% | 1,632 |
| Net loans and leases to total assets | 65.1679% | 3,289 |
| Net loans and leases to deposits | 76.1812% | 3,402 |
| Net loans and leases to core deposits | 86.0472% | 2,987 |
| Total domestic deposits to total assets | 85.5432% | 2,375 |
| Equity capital to assets | 9.2440% | 4,330 |
| Core capital (leverage) ratio | 10.2095% | 3,397 |
| Tier 1 risk-based capital ratio | 14.6811% | 3,026 |
| Total risk-based capital ratio | 15.5436% | 3,134 |
| Memoranda: | ||
| Average total assets | $1,208,557,000 | 636 |
| Average earning assets | $1,132,904,500 | 626 |
| Average equity | $110,695,500 | 769 |
| Average total loans | $769,474,250 | 720 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 3,125 |
| Cost of funding earning assets | 0.5565% | 2,556 |
| Net interest margin | 3.6396% | 3,162 |
| Noninterest income to average assets | 0.7539% | 1,629 |
| Noninterest expense to average assets | 2.7300% | 2,907 |
| Loan and lease loss provision to assets | 0.0115% | 3,624 |
| Net operating income to assets | 1.1335% | 2,464 |
| Return on assets (ROA) | 1.1487% | 2,399 |
| Pretax return on assets | 1.4418% | 2,017 |
| Return on Equity (ROE) | 12.5794% | 1,512 |
| Retained earnings to average equity (ytd only) | -2.3618% | 5,179 |
| Net charge-offs to loans | 0.1091% | 1,282 |
| Credit loss provision to net charge-offs | 16.7464% | 2,705 |
| Earnings coverage of net charge-offs (x) | 20.8732% | 1,793 |
| Efficiency ratio | 65.4863% | 3,063 |
| Assets per employee ($millions) | 3.7817% | 4,234 |
| Cash dividends to net income (ytd only)* | 118.7750% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9343% | 4,183 |
| Loan loss allowance to noncurrent loans | 127.1129% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 0.7673% | 1,943 |
| Noncurrent loans to loans | 0.7350% | 2,271 |
| Net loans and leases to total assets | 63.1220% | 3,501 |
| Net loans and leases to deposits | 73.0769% | 3,618 |
| Net loans and leases to core deposits | 80.2039% | 3,403 |
| Total domestic deposits to total assets | 86.3774% | 2,109 |
| Equity capital to assets | 8.9708% | 4,585 |
| Core capital (leverage) ratio | 9.8687% | 3,714 |
| Tier 1 risk-based capital ratio | 14.4224% | 3,149 |
| Total risk-based capital ratio | 15.2925% | 3,260 |
| Memoranda: | ||
| Average total assets | $1,216,648,000 | 637 |
| Average earning assets | $1,140,016,330 | 625 |
| Average equity | $111,102,330 | 764 |
| Average total loans | $766,323,000 | 724 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,145 |
| Cost of funding earning assets | 0.5134% | 2,697 |
| Net interest margin | 3.6115% | 3,129 |
| Noninterest income to average assets | 0.7937% | 1,479 |
| Noninterest expense to average assets | 2.7138% | 3,000 |
| Loan and lease loss provision to assets | 0.0085% | 3,407 |
| Net operating income to assets | 1.1555% | 2,191 |
| Return on assets (ROA) | 1.1555% | 2,205 |
| Pretax return on assets | 1.4514% | 1,830 |
| Return on Equity (ROE) | 12.5451% | 1,398 |
| Retained earnings to average equity (ytd only) | 5.4475% | 2,977 |
| Net charge-offs to loans | 0.0344% | 1,824 |
| Credit loss provision to net charge-offs | 39.3939% | 2,020 |
| Earnings coverage of net charge-offs (x) | 67.6667% | 784 |
| Efficiency ratio | 64.9514% | 3,324 |
| Assets per employee ($millions) | 3.8864% | 4,168 |
| Cash dividends to net income (ytd only)* | 56.5771% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,108 |
| Loan loss allowance to noncurrent loans | 115.7136% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 1,858 |
| Noncurrent loans to loans | 0.8403% | 2,135 |
| Net loans and leases to total assets | 62.5143% | 3,485 |
| Net loans and leases to deposits | 72.2303% | 3,581 |
| Net loans and leases to core deposits | 78.6174% | 3,441 |
| Total domestic deposits to total assets | 86.5485% | 2,295 |
| Equity capital to assets | 9.2004% | 4,364 |
| Core capital (leverage) ratio | 10.0327% | 3,497 |
| Tier 1 risk-based capital ratio | 14.8060% | 2,978 |
| Total risk-based capital ratio | 15.7159% | 3,048 |
| Memoranda: | ||
| Average total assets | $1,223,679,000 | 641 |
| Average earning assets | $1,145,221,000 | 631 |
| Average equity | $112,713,000 | 759 |
| Average total loans | $766,357,000 | 724 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 3,085 |
| Cost of funding earning assets | 0.5329% | 2,085 |
| Net interest margin | 3.5586% | 3,307 |
| Noninterest income to average assets | 0.7941% | 1,585 |
| Noninterest expense to average assets | 2.7252% | 3,046 |
| Loan and lease loss provision to assets | 0.0323% | 3,624 |
| Net operating income to assets | 0.7358% | 3,444 |
| Return on assets (ROA) | 0.7358% | 3,488 |
| Pretax return on assets | 1.3443% | 2,196 |
| Return on Equity (ROE) | 7.7630% | 2,908 |
| Retained earnings to average equity (ytd only) | 0.1389% | 4,958 |
| Net charge-offs to loans | 0.2362% | 1,099 |
| Credit loss provision to net charge-offs | 21.5947% | 3,601 |
| Earnings coverage of net charge-offs (x) | 9.2027% | 2,816 |
| Efficiency ratio | 66.3671% | 3,196 |
| Assets per employee ($millions) | 3.9579% | 4,034 |
| Cash dividends to net income (ytd only)* | 98.2103% | 387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 4,044 |
| Loan loss allowance to noncurrent loans | 100.0533% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9553% | 1,622 |
| Noncurrent loans to loans | 0.9811% | 1,807 |
| Net loans and leases to total assets | 61.5224% | 3,673 |
| Net loans and leases to deposits | 70.8470% | 3,806 |
| Net loans and leases to core deposits | 76.8308% | 3,681 |
| Total domestic deposits to total assets | 86.8384% | 2,070 |
| Equity capital to assets | 9.2214% | 4,506 |
| Core capital (leverage) ratio | 9.8804% | 3,604 |
| Tier 1 risk-based capital ratio | 14.6233% | 3,026 |
| Total risk-based capital ratio | 15.5384% | 3,099 |
| Memoranda: | ||
| Average total assets | $1,207,347,000 | 623 |
| Average earning assets | $1,122,231,200 | 614 |
| Average equity | $114,441,000 | 715 |
| Average total loans | $764,671,600 | 687 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 3,022 |
| Cost of funding earning assets | 0.5321% | 2,021 |
| Net interest margin | 3.5573% | 3,298 |
| Noninterest income to average assets | 0.7831% | 1,646 |
| Noninterest expense to average assets | 2.7370% | 2,935 |
| Loan and lease loss provision to assets | 0.0372% | 3,369 |
| Net operating income to assets | 0.8870% | 3,090 |
| Return on assets (ROA) | 0.8870% | 3,142 |
| Pretax return on assets | 1.3139% | 2,424 |
| Return on Equity (ROE) | 9.2933% | 2,448 |
| Retained earnings to average equity (ytd only) | 3.7996% | 3,660 |
| Net charge-offs to loans | 0.2234% | 967 |
| Credit loss provision to net charge-offs | 26.1514% | 3,106 |
| Earnings coverage of net charge-offs (x) | 9.5043% | 2,687 |
| Efficiency ratio | 66.8775% | 3,065 |
| Assets per employee ($millions) | 3.8627% | 4,216 |
| Cash dividends to net income (ytd only)* | 59.1142% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,869 |
| Loan loss allowance to noncurrent loans | 90.5757% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 1,487 |
| Noncurrent loans to loans | 1.1443% | 1,679 |
| Net loans and leases to total assets | 63.8113% | 3,437 |
| Net loans and leases to deposits | 74.5824% | 3,511 |
| Net loans and leases to core deposits | 81.2556% | 3,354 |
| Total domestic deposits to total assets | 85.5581% | 2,497 |
| Equity capital to assets | 9.9083% | 4,030 |
| Core capital (leverage) ratio | 10.1864% | 3,328 |
| Tier 1 risk-based capital ratio | 15.1756% | 2,849 |
| Total risk-based capital ratio | 16.1679% | 2,880 |
| Memoranda: | ||
| Average total assets | $1,201,458,250 | 626 |
| Average earning assets | $1,116,240,000 | 619 |
| Average equity | $114,674,500 | 717 |
| Average total loans | $764,642,500 | 689 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0555% | 2,993 |
| Cost of funding earning assets | 0.5325% | 1,894 |
| Net interest margin | 3.5231% | 3,314 |
| Noninterest income to average assets | 0.7757% | 1,660 |
| Noninterest expense to average assets | 2.7382% | 2,962 |
| Loan and lease loss provision to assets | 0.0556% | 2,860 |
| Net operating income to assets | 0.8463% | 3,173 |
| Return on assets (ROA) | 0.8463% | 3,218 |
| Pretax return on assets | 1.2514% | 2,573 |
| Return on Equity (ROE) | 8.9797% | 2,521 |
| Retained earnings to average equity (ytd only) | 0.6521% | 4,937 |
| Net charge-offs to loans | 0.3185% | 641 |
| Credit loss provision to net charge-offs | 27.5720% | 2,743 |
| Earnings coverage of net charge-offs (x) | 6.4765% | 2,709 |
| Efficiency ratio | 67.6152% | 3,078 |
| Assets per employee ($millions) | 3.7989% | 4,279 |
| Cash dividends to net income (ytd only)* | 92.7380% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 3,916 |
| Loan loss allowance to noncurrent loans | 98.3733% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.0614% | 1,650 |
| Noncurrent loans to loans | 1.0548% | 1,864 |
| Net loans and leases to total assets | 64.1019% | 3,371 |
| Net loans and leases to deposits | 74.6189% | 3,483 |
| Net loans and leases to core deposits | 80.5252% | 3,380 |
| Total domestic deposits to total assets | 85.9057% | 2,411 |
| Equity capital to assets | 9.6241% | 4,291 |
| Core capital (leverage) ratio | 9.9541% | 3,594 |
| Tier 1 risk-based capital ratio | 14.6766% | 3,077 |
| Total risk-based capital ratio | 15.6678% | 3,138 |
| Memoranda: | ||
| Average total assets | $1,204,084,000 | 629 |
| Average earning assets | $1,117,440,000 | 622 |
| Average equity | $113,478,330 | 726 |
| Average total loans | $762,984,670 | 694 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,120 |
| Cost of funding earning assets | 0.5340% | 1,833 |
| Net interest margin | 3.4439% | 3,472 |
| Noninterest income to average assets | 0.7856% | 1,607 |
| Noninterest expense to average assets | 2.7097% | 3,105 |
| Loan and lease loss provision to assets | 0.1109% | 1,726 |
| Net operating income to assets | 0.7809% | 3,303 |
| Return on assets (ROA) | 0.7809% | 3,359 |
| Pretax return on assets | 1.1535% | 2,763 |
| Return on Equity (ROE) | 8.3740% | 2,728 |
| Retained earnings to average equity (ytd only) | -8.4060% | 5,540 |
| Net charge-offs to loans | 0.2082% | 839 |
| Credit loss provision to net charge-offs | 85.0254% | 1,723 |
| Earnings coverage of net charge-offs (x) | 9.6904% | 1,978 |
| Efficiency ratio | 68.1083% | 3,176 |
| Assets per employee ($millions) | 3.7954% | 4,349 |
| Cash dividends to net income (ytd only)* | 200.3817% | 237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1664% | 3,327 |
| Loan loss allowance to noncurrent loans | 78.7981% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.4208% | 1,166 |
| Noncurrent loans to loans | 1.4803% | 1,360 |
| Net loans and leases to total assets | 62.2279% | 3,508 |
| Net loans and leases to deposits | 71.8003% | 3,626 |
| Net loans and leases to core deposits | 77.6984% | 3,498 |
| Total domestic deposits to total assets | 86.6680% | 2,363 |
| Equity capital to assets | 9.2399% | 4,578 |
| Core capital (leverage) ratio | 9.6632% | 3,912 |
| Tier 1 risk-based capital ratio | 14.5676% | 3,168 |
| Total risk-based capital ratio | 15.6774% | 3,167 |
| Memoranda: | ||
| Average total assets | $1,207,806,000 | 634 |
| Average earning assets | $1,118,276,500 | 623 |
| Average equity | $112,634,500 | 732 |
| Average total loans | $756,921,000 | 700 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 2,785 |
| Cost of funding earning assets | 0.5442% | 1,754 |
| Net interest margin | 3.5723% | 3,177 |
| Noninterest income to average assets | 0.7194% | 2,082 |
| Noninterest expense to average assets | 2.7918% | 3,051 |
| Loan and lease loss provision to assets | 0.0909% | 2,540 |
| Net operating income to assets | 0.7892% | 3,354 |
| Return on assets (ROA) | 0.8119% | 3,361 |
| Pretax return on assets | 1.1806% | 2,758 |
| Return on Equity (ROE) | 8.0332% | 2,914 |
| Retained earnings to average equity (ytd only) | 0.3293% | 5,191 |
| Net charge-offs to loans | 0.0976% | 2,320 |
| Credit loss provision to net charge-offs | 142.9341% | 1,920 |
| Earnings coverage of net charge-offs (x) | 19.4818% | 1,910 |
| Efficiency ratio | 69.1924% | 3,044 |
| Assets per employee ($millions) | 3.7771% | 4,350 |
| Cash dividends to net income (ytd only)* | 95.9005% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 3,215 |
| Loan loss allowance to noncurrent loans | 72.2510% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.5545% | 1,049 |
| Noncurrent loans to loans | 1.6381% | 1,189 |
| Net loans and leases to total assets | 61.6381% | 3,653 |
| Net loans and leases to deposits | 71.1784% | 3,793 |
| Net loans and leases to core deposits | 76.9275% | 3,665 |
| Total domestic deposits to total assets | 86.5966% | 2,334 |
| Equity capital to assets | 9.4111% | 4,363 |
| Core capital (leverage) ratio | 10.0420% | 3,436 |
| Tier 1 risk-based capital ratio | 15.1249% | 2,908 |
| Total risk-based capital ratio | 16.2617% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,168,691,400 | 619 |
| Average earning assets | $1,083,159,800 | 612 |
| Average equity | $118,123,000 | 675 |
| Average total loans | $761,133,600 | 658 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,720 |
| Cost of funding earning assets | 0.5480% | 1,717 |
| Net interest margin | 3.5921% | 3,103 |
| Noninterest income to average assets | 0.7561% | 1,943 |
| Noninterest expense to average assets | 2.8209% | 2,932 |
| Loan and lease loss provision to assets | 0.1222% | 1,908 |
| Net operating income to assets | 0.7853% | 3,435 |
| Return on assets (ROA) | 0.8158% | 3,431 |
| Pretax return on assets | 1.1905% | 2,868 |
| Return on Equity (ROE) | 7.9294% | 3,048 |
| Retained earnings to average equity (ytd only) | 2.7848% | 4,224 |
| Net charge-offs to loans | 0.0809% | 2,163 |
| Credit loss provision to net charge-offs | 229.3737% | 1,288 |
| Earnings coverage of net charge-offs (x) | 23.8077% | 1,703 |
| Efficiency ratio | 68.9065% | 3,058 |
| Assets per employee ($millions) | 3.6081% | 4,639 |
| Cash dividends to net income (ytd only)* | 64.8801% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 3,327 |
| Loan loss allowance to noncurrent loans | 65.7968% | 4,361 |
| Noncurrent assets plus other real estate owned to assets | 2.0677% | 747 |
| Noncurrent loans to loans | 1.8031% | 1,145 |
| Net loans and leases to total assets | 66.5980% | 3,026 |
| Net loans and leases to deposits | 78.0631% | 3,180 |
| Net loans and leases to core deposits | 84.1185% | 3,109 |
| Total domestic deposits to total assets | 85.3130% | 2,672 |
| Equity capital to assets | 10.4330% | 3,628 |
| Core capital (leverage) ratio | 10.5056% | 2,993 |
| Tier 1 risk-based capital ratio | 15.2879% | 2,922 |
| Total risk-based capital ratio | 16.4524% | 2,895 |
| Memoranda: | ||
| Average total assets | $1,158,697,500 | 624 |
| Average earning assets | $1,075,199,250 | 615 |
| Average equity | $119,216,500 | 674 |
| Average total loans | $762,936,500 | 656 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1239% | 2,766 |
| Cost of funding earning assets | 0.5502% | 1,699 |
| Net interest margin | 3.5737% | 3,197 |
| Noninterest income to average assets | 0.7339% | 1,991 |
| Noninterest expense to average assets | 2.7730% | 3,124 |
| Loan and lease loss provision to assets | 0.1219% | 1,877 |
| Net operating income to assets | 0.7854% | 3,382 |
| Return on assets (ROA) | 0.8005% | 3,447 |
| Pretax return on assets | 1.1789% | 2,864 |
| Return on Equity (ROE) | 7.8165% | 3,077 |
| Retained earnings to average equity (ytd only) | 7.8165% | 1,237 |
| Net charge-offs to loans | -0.0206% | 4,958 |
| Credit loss provision to net charge-offs | -907.6923% | 5,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3656% | 3,266 |
| Assets per employee ($millions) | 3.6238% | 4,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2293% | 3,193 |
| Loan loss allowance to noncurrent loans | 71.4123% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 2.0371% | 802 |
| Noncurrent loans to loans | 1.7215% | 1,229 |
| Net loans and leases to total assets | 65.8823% | 3,102 |
| Net loans and leases to deposits | 77.0292% | 3,267 |
| Net loans and leases to core deposits | 82.7907% | 3,196 |
| Total domestic deposits to total assets | 85.5290% | 2,634 |
| Equity capital to assets | 10.7576% | 3,337 |
| Core capital (leverage) ratio | 10.6331% | 2,812 |
| Tier 1 risk-based capital ratio | 15.6707% | 2,796 |
| Total risk-based capital ratio | 16.8674% | 2,756 |
| Memoranda: | ||
| Average total assets | $1,161,268,670 | 626 |
| Average earning assets | $1,078,101,330 | 615 |
| Average equity | $118,928,000 | 670 |
| Average total loans | $758,670,330 | 654 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0872% | 2,893 |
| Cost of funding earning assets | 0.5507% | 1,705 |
| Net interest margin | 3.5365% | 3,330 |
| Noninterest income to average assets | 0.7026% | 2,031 |
| Noninterest expense to average assets | 2.7171% | 3,357 |
| Loan and lease loss provision to assets | 0.1211% | 1,744 |
| Net operating income to assets | 0.7757% | 3,372 |
| Return on assets (ROA) | 0.7762% | 3,469 |
| Pretax return on assets | 1.1473% | 2,903 |
| Return on Equity (ROE) | 7.7707% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.7707% | 1,555 |
| Net charge-offs to loans | -0.3127% | 5,939 |
| Credit loss provision to net charge-offs | -59.8985% | 4,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1089% | 3,452 |
| Assets per employee ($millions) | 3.7630% | 4,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2666% | 3,077 |
| Loan loss allowance to noncurrent loans | 78.8587% | 4,110 |
| Noncurrent assets plus other real estate owned to assets | 1.8625% | 979 |
| Noncurrent loans to loans | 1.6062% | 1,439 |
| Net loans and leases to total assets | 63.8093% | 3,264 |
| Net loans and leases to deposits | 74.1818% | 3,417 |
| Net loans and leases to core deposits | 79.6763% | 3,350 |
| Total domestic deposits to total assets | 86.0174% | 2,663 |
| Equity capital to assets | 10.2567% | 3,789 |
| Core capital (leverage) ratio | 10.3435% | 3,136 |
| Tier 1 risk-based capital ratio | 15.3804% | 2,978 |
| Total risk-based capital ratio | 16.5983% | 2,938 |
| Memoranda: | ||
| Average total assets | $1,169,339,000 | 624 |
| Average earning assets | $1,085,238,500 | 613 |
| Average equity | $116,798,000 | 685 |
| Average total loans | $756,092,000 | 661 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 2,623 |
| Cost of funding earning assets | 0.5746% | 1,558 |
| Net interest margin | 3.6054% | 3,112 |
| Noninterest income to average assets | 0.6951% | 2,224 |
| Noninterest expense to average assets | 2.7772% | 3,323 |
| Loan and lease loss provision to assets | 0.0755% | 2,762 |
| Net operating income to assets | 0.8028% | 3,324 |
| Return on assets (ROA) | 0.8022% | 3,413 |
| Pretax return on assets | 1.1713% | 2,765 |
| Return on Equity (ROE) | 7.8472% | 3,042 |
| Retained earnings to average equity (ytd only) | -0.6824% | 5,621 |
| Net charge-offs to loans | 0.1407% | 1,940 |
| Credit loss provision to net charge-offs | 81.3910% | 2,922 |
| Earnings coverage of net charge-offs (x) | 13.4492% | 2,368 |
| Efficiency ratio | 68.9225% | 3,418 |
| Assets per employee ($millions) | 3.8057% | 4,280 |
| Cash dividends to net income (ytd only)* | 108.6957% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 3,835 |
| Loan loss allowance to noncurrent loans | 59.6837% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.9840% | 895 |
| Noncurrent loans to loans | 1.9011% | 1,128 |
| Net loans and leases to total assets | 63.9575% | 3,291 |
| Net loans and leases to deposits | 73.8120% | 3,515 |
| Net loans and leases to core deposits | 77.9838% | 3,549 |
| Total domestic deposits to total assets | 86.6493% | 2,301 |
| Equity capital to assets | 9.7213% | 4,272 |
| Core capital (leverage) ratio | 10.2735% | 3,185 |
| Tier 1 risk-based capital ratio | 14.9083% | 3,218 |
| Total risk-based capital ratio | 15.9923% | 3,237 |
| Memoranda: | ||
| Average total assets | $1,146,893,000 | 612 |
| Average earning assets | $1,059,239,800 | 606 |
| Average equity | $117,239,400 | 653 |
| Average total loans | $756,158,600 | 620 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1677% | 2,690 |
| Cost of funding earning assets | 0.5836% | 1,515 |
| Net interest margin | 3.5840% | 3,222 |
| Noninterest income to average assets | 0.7477% | 2,035 |
| Noninterest expense to average assets | 2.7943% | 3,213 |
| Loan and lease loss provision to assets | 0.0866% | 2,431 |
| Net operating income to assets | 0.8075% | 3,396 |
| Return on assets (ROA) | 0.8085% | 3,493 |
| Pretax return on assets | 1.1768% | 2,904 |
| Return on Equity (ROE) | 7.8104% | 3,186 |
| Retained earnings to average equity (ytd only) | 3.2931% | 4,126 |
| Net charge-offs to loans | 0.2013% | 1,282 |
| Credit loss provision to net charge-offs | 64.9430% | 2,844 |
| Earnings coverage of net charge-offs (x) | 9.4618% | 2,696 |
| Efficiency ratio | 68.8098% | 3,407 |
| Assets per employee ($millions) | 3.6305% | 4,556 |
| Cash dividends to net income (ytd only)* | 57.8369% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1000% | 4,226 |
| Loan loss allowance to noncurrent loans | 61.9297% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.1827% | 879 |
| Noncurrent loans to loans | 1.7761% | 1,338 |
| Net loans and leases to total assets | 67.1240% | 2,837 |
| Net loans and leases to deposits | 78.5293% | 3,046 |
| Net loans and leases to core deposits | 83.5506% | 3,094 |
| Total domestic deposits to total assets | 85.4764% | 2,792 |
| Equity capital to assets | 10.6373% | 3,428 |
| Core capital (leverage) ratio | 10.7305% | 2,787 |
| Tier 1 risk-based capital ratio | 15.3673% | 3,107 |
| Total risk-based capital ratio | 16.4252% | 3,135 |
| Memoranda: | ||
| Average total assets | $1,140,580,000 | 622 |
| Average earning assets | $1,052,940,000 | 614 |
| Average equity | $118,062,250 | 653 |
| Average total loans | $755,628,500 | 617 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 2,796 |
| Cost of funding earning assets | 0.5889% | 1,491 |
| Net interest margin | 3.5383% | 3,342 |
| Noninterest income to average assets | 0.7955% | 1,799 |
| Noninterest expense to average assets | 2.8222% | 3,154 |
| Loan and lease loss provision to assets | 0.0857% | 2,402 |
| Net operating income to assets | 0.7868% | 3,451 |
| Return on assets (ROA) | 0.7872% | 3,555 |
| Pretax return on assets | 1.1503% | 2,971 |
| Return on Equity (ROE) | 7.6742% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.6742% | 1,398 |
| Net charge-offs to loans | 0.2160% | 1,178 |
| Credit loss provision to net charge-offs | 60.3936% | 2,588 |
| Earnings coverage of net charge-offs (x) | 8.7048% | 2,537 |
| Efficiency ratio | 69.4747% | 3,422 |
| Assets per employee ($millions) | 3.6330% | 4,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1162% | 4,239 |
| Loan loss allowance to noncurrent loans | 60.0227% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.3004% | 875 |
| Noncurrent loans to loans | 1.8597% | 1,357 |
| Net loans and leases to total assets | 66.0616% | 2,936 |
| Net loans and leases to deposits | 77.2253% | 3,128 |
| Net loans and leases to core deposits | 82.2609% | 3,145 |
| Total domestic deposits to total assets | 85.5440% | 2,898 |
| Equity capital to assets | 10.5238% | 3,416 |
| Core capital (leverage) ratio | 10.7362% | 2,692 |
| Tier 1 risk-based capital ratio | 15.6273% | 3,043 |
| Total risk-based capital ratio | 16.6991% | 3,071 |
| Memoranda: | ||
| Average total assets | $1,145,623,330 | 618 |
| Average earning assets | $1,056,226,000 | 612 |
| Average equity | $117,510,330 | 658 |
| Average total loans | $752,888,330 | 623 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 2,821 |
| Cost of funding earning assets | 0.5844% | 1,549 |
| Net interest margin | 3.5175% | 3,355 |
| Noninterest income to average assets | 0.7632% | 1,847 |
| Noninterest expense to average assets | 2.8014% | 3,249 |
| Loan and lease loss provision to assets | 0.1259% | 1,647 |
| Net operating income to assets | 0.7309% | 3,641 |
| Return on assets (ROA) | 0.7316% | 3,773 |
| Pretax return on assets | 1.0784% | 3,173 |
| Return on Equity (ROE) | 7.2249% | 3,385 |
| Retained earnings to average equity (ytd only) | 7.2249% | 1,906 |
| Net charge-offs to loans | 0.4200% | 584 |
| Credit loss provision to net charge-offs | 45.9975% | 2,136 |
| Earnings coverage of net charge-offs (x) | 4.3952% | 2,501 |
| Efficiency ratio | 69.8749% | 3,509 |
| Assets per employee ($millions) | 3.6660% | 4,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 4,450 |
| Loan loss allowance to noncurrent loans | 56.6511% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 2.3178% | 962 |
| Noncurrent loans to loans | 1.9631% | 1,342 |
| Net loans and leases to total assets | 64.5029% | 3,029 |
| Net loans and leases to deposits | 75.1848% | 3,150 |
| Net loans and leases to core deposits | 80.1096% | 3,146 |
| Total domestic deposits to total assets | 85.7924% | 3,042 |
| Equity capital to assets | 10.2637% | 3,812 |
| Core capital (leverage) ratio | 10.5341% | 2,917 |
| Tier 1 risk-based capital ratio | 15.3739% | 3,210 |
| Total risk-based capital ratio | 16.4362% | 3,248 |
| Memoranda: | ||
| Average total assets | $1,149,867,500 | 613 |
| Average earning assets | $1,059,620,000 | 604 |
| Average equity | $116,430,500 | 663 |
| Average total loans | $749,487,500 | 618 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3115% | 2,566 |
| Cost of funding earning assets | 0.6057% | 1,716 |
| Net interest margin | 3.7058% | 2,988 |
| Noninterest income to average assets | 0.6393% | 2,622 |
| Noninterest expense to average assets | 2.8718% | 3,230 |
| Loan and lease loss provision to assets | 0.1157% | 2,240 |
| Net operating income to assets | 0.7304% | 3,735 |
| Return on assets (ROA) | 0.7319% | 3,831 |
| Pretax return on assets | 1.0560% | 3,276 |
| Return on Equity (ROE) | 7.0295% | 3,608 |
| Retained earnings to average equity (ytd only) | -3.1619% | 6,102 |
| Net charge-offs to loans | 0.5807% | 692 |
| Credit loss provision to net charge-offs | 30.3340% | 3,831 |
| Earnings coverage of net charge-offs (x) | 3.0673% | 3,985 |
| Efficiency ratio | 70.9828% | 3,378 |
| Assets per employee ($millions) | 3.6464% | 4,634 |
| Cash dividends to net income (ytd only)* | 144.9801% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1803% | 4,124 |
| Loan loss allowance to noncurrent loans | 47.9908% | 5,167 |
| Noncurrent assets plus other real estate owned to assets | 2.5104% | 919 |
| Noncurrent loans to loans | 2.4595% | 1,038 |
| Net loans and leases to total assets | 64.3632% | 3,165 |
| Net loans and leases to deposits | 74.8112% | 3,335 |
| Net loans and leases to core deposits | 79.4315% | 3,360 |
| Total domestic deposits to total assets | 86.0341% | 2,820 |
| Equity capital to assets | 9.9862% | 4,130 |
| Core capital (leverage) ratio | 10.4956% | 2,949 |
| Tier 1 risk-based capital ratio | 15.7287% | 3,116 |
| Total risk-based capital ratio | 16.8918% | 3,090 |
| Memoranda: | ||
| Average total assets | $1,130,921,800 | 596 |
| Average earning assets | $1,038,199,600 | 592 |
| Average equity | $117,746,000 | 613 |
| Average total loans | $742,552,200 | 586 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3308% | 2,498 |
| Cost of funding earning assets | 0.6136% | 1,732 |
| Net interest margin | 3.7172% | 2,952 |
| Noninterest income to average assets | 0.6605% | 2,521 |
| Noninterest expense to average assets | 2.8490% | 3,287 |
| Loan and lease loss provision to assets | 0.1547% | 1,607 |
| Net operating income to assets | 0.7224% | 3,828 |
| Return on assets (ROA) | 0.7225% | 3,929 |
| Pretax return on assets | 1.0678% | 3,308 |
| Return on Equity (ROE) | 6.8678% | 3,778 |
| Retained earnings to average equity (ytd only) | 6.8678% | 1,893 |
| Net charge-offs to loans | 0.5978% | 623 |
| Credit loss provision to net charge-offs | 39.3265% | 3,300 |
| Earnings coverage of net charge-offs (x) | 3.1076% | 3,741 |
| Efficiency ratio | 69.8986% | 3,528 |
| Assets per employee ($millions) | 3.5491% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 3,561 |
| Loan loss allowance to noncurrent loans | 74.2753% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 2.1615% | 1,290 |
| Noncurrent loans to loans | 1.7738% | 1,830 |
| Net loans and leases to total assets | 65.9976% | 2,870 |
| Net loans and leases to deposits | 77.8166% | 2,972 |
| Net loans and leases to core deposits | 82.7423% | 3,031 |
| Total domestic deposits to total assets | 84.8117% | 3,415 |
| Equity capital to assets | 11.0478% | 2,903 |
| Core capital (leverage) ratio | 11.3981% | 2,132 |
| Tier 1 risk-based capital ratio | 17.0886% | 2,584 |
| Total risk-based capital ratio | 18.3393% | 2,535 |
| Memoranda: | ||
| Average total assets | $1,127,413,250 | 595 |
| Average earning assets | $1,034,526,500 | 592 |
| Average equity | $118,598,000 | 611 |
| Average total loans | $741,757,250 | 586 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2780% | 2,673 |
| Cost of funding earning assets | 0.6218% | 1,722 |
| Net interest margin | 3.6563% | 3,114 |
| Noninterest income to average assets | 0.6251% | 2,681 |
| Noninterest expense to average assets | 2.8369% | 3,383 |
| Loan and lease loss provision to assets | 0.1426% | 1,737 |
| Net operating income to assets | 0.6794% | 3,946 |
| Return on assets (ROA) | 0.6795% | 4,045 |
| Pretax return on assets | 0.9956% | 3,492 |
| Return on Equity (ROE) | 6.5670% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.5670% | 1,997 |
| Net charge-offs to loans | 0.5784% | 701 |
| Credit loss provision to net charge-offs | 37.6866% | 2,953 |
| Earnings coverage of net charge-offs (x) | 3.0070% | 3,415 |
| Efficiency ratio | 71.2884% | 3,456 |
| Assets per employee ($millions) | 3.5508% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 3,225 |
| Loan loss allowance to noncurrent loans | 54.0303% | 5,008 |
| Noncurrent assets plus other real estate owned to assets | 2.8330% | 919 |
| Noncurrent loans to loans | 2.6350% | 1,154 |
| Net loans and leases to total assets | 65.0203% | 2,904 |
| Net loans and leases to deposits | 76.3598% | 3,012 |
| Net loans and leases to core deposits | 81.1929% | 3,077 |
| Total domestic deposits to total assets | 85.1500% | 3,436 |
| Equity capital to assets | 10.8335% | 3,049 |
| Core capital (leverage) ratio | 11.1004% | 2,332 |
| Tier 1 risk-based capital ratio | 16.9016% | 2,662 |
| Total risk-based capital ratio | 18.1536% | 2,631 |
| Memoranda: | ||
| Average total assets | $1,132,932,000 | 593 |
| Average earning assets | $1,037,997,670 | 589 |
| Average equity | $117,222,330 | 610 |
| Average total loans | $741,367,330 | 584 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 2,911 |
| Cost of funding earning assets | 0.6245% | 1,777 |
| Net interest margin | 3.5670% | 3,405 |
| Noninterest income to average assets | 0.4876% | 3,512 |
| Noninterest expense to average assets | 2.8177% | 3,502 |
| Loan and lease loss provision to assets | 0.1145% | 2,045 |
| Net operating income to assets | 0.5741% | 4,328 |
| Return on assets (ROA) | 0.5741% | 4,405 |
| Pretax return on assets | 0.8204% | 4,026 |
| Return on Equity (ROE) | 5.6791% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.6791% | 2,700 |
| Net charge-offs to loans | 0.2273% | 1,413 |
| Credit loss provision to net charge-offs | 77.3050% | 1,929 |
| Earnings coverage of net charge-offs (x) | 6.3097% | 2,234 |
| Efficiency ratio | 75.0023% | 2,970 |
| Assets per employee ($millions) | 3.6609% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 2,758 |
| Loan loss allowance to noncurrent loans | 46.9621% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 3.4397% | 762 |
| Noncurrent loans to loans | 3.3795% | 887 |
| Net loans and leases to total assets | 63.7776% | 2,935 |
| Net loans and leases to deposits | 74.2365% | 3,036 |
| Net loans and leases to core deposits | 78.7973% | 3,114 |
| Total domestic deposits to total assets | 85.9114% | 3,408 |
| Equity capital to assets | 10.2807% | 3,504 |
| Core capital (leverage) ratio | 10.8375% | 2,555 |
| Tier 1 risk-based capital ratio | 16.4247% | 2,935 |
| Total risk-based capital ratio | 17.6786% | 2,903 |
| Memoranda: | ||
| Average total assets | $1,141,927,000 | 592 |
| Average earning assets | $1,045,253,500 | 588 |
| Average equity | $115,440,000 | 620 |
| Average total loans | $744,346,500 | 586 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3811% | 2,653 |
| Cost of funding earning assets | 0.6774% | 1,978 |
| Net interest margin | 3.7037% | 3,036 |
| Noninterest income to average assets | 0.5202% | 3,629 |
| Noninterest expense to average assets | 2.7720% | 3,824 |
| Loan and lease loss provision to assets | 0.3997% | 747 |
| Net operating income to assets | 0.4972% | 4,746 |
| Return on assets (ROA) | 0.4757% | 4,983 |
| Pretax return on assets | 0.7200% | 4,464 |
| Return on Equity (ROE) | 4.6103% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.3150% | 3,876 |
| Net charge-offs to loans | 0.7268% | 886 |
| Credit loss provision to net charge-offs | 82.8102% | 2,960 |
| Earnings coverage of net charge-offs (x) | 2.3872% | 4,213 |
| Efficiency ratio | 70.5588% | 3,745 |
| Assets per employee ($millions) | 3.6475% | 4,589 |
| Cash dividends to net income (ytd only)* | 28.0951% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5723% | 2,872 |
| Loan loss allowance to noncurrent loans | 48.9510% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 3.4593% | 854 |
| Noncurrent loans to loans | 3.2121% | 1,044 |
| Net loans and leases to total assets | 64.5275% | 2,948 |
| Net loans and leases to deposits | 74.7308% | 3,147 |
| Net loans and leases to core deposits | 79.1666% | 3,221 |
| Total domestic deposits to total assets | 86.3466% | 3,084 |
| Equity capital to assets | 9.9387% | 3,850 |
| Core capital (leverage) ratio | 10.7226% | 2,653 |
| Tier 1 risk-based capital ratio | 16.0324% | 3,081 |
| Total risk-based capital ratio | 17.2861% | 3,032 |
| Memoranda: | ||
| Average total assets | $1,122,229,800 | 586 |
| Average earning assets | $1,031,375,600 | 577 |
| Average equity | $115,805,400 | 613 |
| Average total loans | $745,175,000 | 566 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3734% | 2,681 |
| Cost of funding earning assets | 0.6930% | 1,997 |
| Net interest margin | 3.6804% | 3,101 |
| Noninterest income to average assets | 0.5379% | 3,532 |
| Noninterest expense to average assets | 2.7830% | 3,720 |
| Loan and lease loss provision to assets | 0.5016% | 543 |
| Net operating income to assets | 0.4224% | 5,150 |
| Return on assets (ROA) | 0.4223% | 5,295 |
| Pretax return on assets | 0.6419% | 4,878 |
| Return on Equity (ROE) | 4.0538% | 5,198 |
| Retained earnings to average equity (ytd only) | 2.3342% | 4,931 |
| Net charge-offs to loans | 0.7146% | 836 |
| Credit loss provision to net charge-offs | 105.3688% | 2,218 |
| Earnings coverage of net charge-offs (x) | 2.4027% | 4,033 |
| Efficiency ratio | 70.7916% | 3,629 |
| Assets per employee ($millions) | 3.5921% | 4,664 |
| Cash dividends to net income (ytd only)* | 42.4208% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 2,512 |
| Loan loss allowance to noncurrent loans | 53.5940% | 5,074 |
| Noncurrent assets plus other real estate owned to assets | 3.6400% | 908 |
| Noncurrent loans to loans | 3.2317% | 1,218 |
| Net loans and leases to total assets | 66.1991% | 2,604 |
| Net loans and leases to deposits | 77.2667% | 2,779 |
| Net loans and leases to core deposits | 82.8378% | 2,784 |
| Total domestic deposits to total assets | 85.6762% | 3,416 |
| Equity capital to assets | 10.2822% | 3,530 |
| Core capital (leverage) ratio | 10.5138% | 2,992 |
| Tier 1 risk-based capital ratio | 15.5642% | 3,443 |
| Total risk-based capital ratio | 16.8202% | 3,395 |
| Memoranda: | ||
| Average total assets | $1,116,455,250 | 592 |
| Average earning assets | $1,028,019,000 | 582 |
| Average equity | $116,299,000 | 616 |
| Average total loans | $743,754,250 | 567 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3510% | 2,759 |
| Cost of funding earning assets | 0.7177% | 1,935 |
| Net interest margin | 3.6332% | 3,233 |
| Noninterest income to average assets | 0.5020% | 3,817 |
| Noninterest expense to average assets | 2.7496% | 3,857 |
| Loan and lease loss provision to assets | 0.4827% | 580 |
| Net operating income to assets | 0.4075% | 5,185 |
| Return on assets (ROA) | 0.4073% | 5,357 |
| Pretax return on assets | 0.6226% | 4,940 |
| Return on Equity (ROE) | 3.8933% | 5,259 |
| Retained earnings to average equity (ytd only) | 1.3297% | 5,357 |
| Net charge-offs to loans | 0.6681% | 986 |
| Credit loss provision to net charge-offs | 108.8710% | 2,037 |
| Earnings coverage of net charge-offs (x) | 2.4935% | 3,693 |
| Efficiency ratio | 71.2378% | 3,604 |
| Assets per employee ($millions) | 3.3950% | 5,076 |
| Cash dividends to net income (ytd only)* | 65.8472% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7418% | 2,616 |
| Loan loss allowance to noncurrent loans | 52.4894% | 5,098 |
| Noncurrent assets plus other real estate owned to assets | 3.7109% | 991 |
| Noncurrent loans to loans | 3.3184% | 1,312 |
| Net loans and leases to total assets | 66.2438% | 2,550 |
| Net loans and leases to deposits | 77.3464% | 2,664 |
| Net loans and leases to core deposits | 83.0130% | 2,693 |
| Total domestic deposits to total assets | 85.6457% | 3,557 |
| Equity capital to assets | 10.3771% | 3,458 |
| Core capital (leverage) ratio | 10.4160% | 2,970 |
| Tier 1 risk-based capital ratio | 15.7200% | 3,353 |
| Total risk-based capital ratio | 16.9764% | 3,298 |
| Memoranda: | ||
| Average total assets | $1,118,616,330 | 592 |
| Average earning assets | $1,032,416,000 | 578 |
| Average equity | $117,022,000 | 613 |
| Average total loans | $742,424,670 | 564 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3025% | 2,879 |
| Cost of funding earning assets | 0.7677% | 1,727 |
| Net interest margin | 3.5348% | 3,546 |
| Noninterest income to average assets | 0.6414% | 2,925 |
| Noninterest expense to average assets | 2.7792% | 3,767 |
| Loan and lease loss provision to assets | 0.5327% | 503 |
| Net operating income to assets | 0.4004% | 5,130 |
| Return on assets (ROA) | 0.3985% | 5,281 |
| Pretax return on assets | 0.5842% | 5,009 |
| Return on Equity (ROE) | 3.7943% | 5,198 |
| Retained earnings to average equity (ytd only) | -1.2783% | 5,990 |
| Net charge-offs to loans | 0.7049% | 868 |
| Credit loss provision to net charge-offs | 114.7666% | 1,648 |
| Earnings coverage of net charge-offs (x) | 2.4124% | 3,037 |
| Efficiency ratio | 71.1969% | 3,760 |
| Assets per employee ($millions) | 3.5652% | 4,855 |
| Cash dividends to net income (ytd only)* | 133.6898% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7554% | 2,783 |
| Loan loss allowance to noncurrent loans | 63.2614% | 4,574 |
| Noncurrent assets plus other real estate owned to assets | 3.5256% | 1,202 |
| Noncurrent loans to loans | 2.7748% | 1,828 |
| Net loans and leases to total assets | 64.8486% | 2,564 |
| Net loans and leases to deposits | 75.7406% | 2,680 |
| Net loans and leases to core deposits | 80.4021% | 2,757 |
| Total domestic deposits to total assets | 85.6193% | 3,725 |
| Equity capital to assets | 10.5430% | 3,499 |
| Core capital (leverage) ratio | 10.1824% | 3,167 |
| Tier 1 risk-based capital ratio | 15.6126% | 3,466 |
| Total risk-based capital ratio | 16.8691% | 3,429 |
| Memoranda: | ||
| Average total assets | $1,126,235,500 | 593 |
| Average earning assets | $1,037,916,500 | 582 |
| Average equity | $118,283,500 | 619 |
| Average total loans | $741,698,500 | 569 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 3,409 |
| Cost of funding earning assets | 0.9950% | 1,384 |
| Net interest margin | 3.4995% | 4,504 |
| Noninterest income to average assets | 0.2036% | 5,958 |
| Noninterest expense to average assets | 2.6382% | 4,606 |
| Loan and lease loss provision to assets | 0.5922% | 932 |
| Net operating income to assets | 0.1274% | 5,951 |
| Return on assets (ROA) | 0.2983% | 5,681 |
| Pretax return on assets | 0.4349% | 5,464 |
| Return on Equity (ROE) | 2.8803% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.8803% | 4,214 |
| Net charge-offs to loans | 1.3424% | 713 |
| Credit loss provision to net charge-offs | 69.9629% | 4,167 |
| Earnings coverage of net charge-offs (x) | 0.9209% | 5,010 |
| Efficiency ratio | 77.0993% | 2,579 |
| Assets per employee ($millions) | 3.6428% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7055% | 2,914 |
| Loan loss allowance to noncurrent loans | 42.6629% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 4.0410% | 1,055 |
| Noncurrent loans to loans | 3.9976% | 1,176 |
| Net loans and leases to total assets | 64.5877% | 2,797 |
| Net loans and leases to deposits | 74.8923% | 2,980 |
| Net loans and leases to core deposits | 79.5376% | 3,073 |
| Total domestic deposits to total assets | 86.2407% | 3,234 |
| Equity capital to assets | 10.4629% | 3,569 |
| Core capital (leverage) ratio | 10.3093% | 3,000 |
| Tier 1 risk-based capital ratio | 15.3516% | 3,511 |
| Total risk-based capital ratio | 16.6073% | 3,464 |
| Memoranda: | ||
| Average total assets | $1,145,676,200 | 572 |
| Average earning assets | $1,052,221,200 | 559 |
| Average equity | $118,634,000 | 607 |
| Average total loans | $722,418,600 | 571 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5423% | 3,458 |
| Cost of funding earning assets | 1.0498% | 1,278 |
| Net interest margin | 3.4924% | 4,680 |
| Noninterest income to average assets | 0.2827% | 5,518 |
| Noninterest expense to average assets | 2.6214% | 4,667 |
| Loan and lease loss provision to assets | 0.6536% | 807 |
| Net operating income to assets | 0.1478% | 6,037 |
| Return on assets (ROA) | 0.3110% | 5,782 |
| Pretax return on assets | 0.4551% | 5,583 |
| Return on Equity (ROE) | 3.0115% | 5,676 |
| Retained earnings to average equity (ytd only) | 3.0115% | 4,747 |
| Net charge-offs to loans | 1.2821% | 745 |
| Credit loss provision to net charge-offs | 81.6928% | 3,576 |
| Earnings coverage of net charge-offs (x) | 1.0857% | 4,765 |
| Efficiency ratio | 75.0233% | 2,822 |
| Assets per employee ($millions) | 3.5889% | 4,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9810% | 2,218 |
| Loan loss allowance to noncurrent loans | 41.9712% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 4.7053% | 967 |
| Noncurrent loans to loans | 4.7198% | 984 |
| Net loans and leases to total assets | 65.0423% | 2,828 |
| Net loans and leases to deposits | 75.5962% | 3,041 |
| Net loans and leases to core deposits | 80.9635% | 3,093 |
| Total domestic deposits to total assets | 86.0392% | 3,236 |
| Equity capital to assets | 10.8705% | 3,420 |
| Core capital (leverage) ratio | 10.0889% | 3,419 |
| Tier 1 risk-based capital ratio | 15.4219% | 3,584 |
| Total risk-based capital ratio | 16.6812% | 3,528 |
| Memoranda: | ||
| Average total assets | $1,147,954,750 | 577 |
| Average earning assets | $1,054,222,000 | 563 |
| Average equity | $118,563,250 | 607 |
| Average total loans | $716,319,250 | 576 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 3,701 |
| Cost of funding earning assets | 1.1045% | 1,203 |
| Net interest margin | 3.4113% | 5,038 |
| Noninterest income to average assets | 0.3651% | 4,905 |
| Noninterest expense to average assets | 2.5536% | 4,946 |
| Loan and lease loss provision to assets | 0.6665% | 851 |
| Net operating income to assets | 0.1892% | 5,947 |
| Return on assets (ROA) | 0.2934% | 5,845 |
| Pretax return on assets | 0.4277% | 5,639 |
| Return on Equity (ROE) | 2.8880% | 5,734 |
| Retained earnings to average equity (ytd only) | 2.8880% | 4,708 |
| Net charge-offs to loans | 1.1899% | 910 |
| Credit loss provision to net charge-offs | 91.5842% | 2,995 |
| Earnings coverage of net charge-offs (x) | 1.2961% | 4,355 |
| Efficiency ratio | 72.9369% | 3,250 |
| Assets per employee ($millions) | 3.8319% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1353% | 1,920 |
| Loan loss allowance to noncurrent loans | 42.8531% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 4.7535% | 1,014 |
| Noncurrent loans to loans | 4.9828% | 996 |
| Net loans and leases to total assets | 62.0062% | 3,435 |
| Net loans and leases to deposits | 72.0508% | 3,600 |
| Net loans and leases to core deposits | 77.3817% | 3,603 |
| Total domestic deposits to total assets | 86.0589% | 3,328 |
| Equity capital to assets | 10.5338% | 3,643 |
| Core capital (leverage) ratio | 9.6732% | 3,884 |
| Tier 1 risk-based capital ratio | 15.6232% | 3,378 |
| Total risk-based capital ratio | 16.8847% | 3,332 |
| Memoranda: | ||
| Average total assets | $1,165,730,670 | 568 |
| Average earning assets | $1,070,206,330 | 558 |
| Average equity | $118,420,670 | 604 |
| Average total loans | $712,972,330 | 578 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 3,939 |
| Cost of funding earning assets | 1.1665% | 1,122 |
| Net interest margin | 3.3268% | 5,387 |
| Noninterest income to average assets | 0.4053% | 4,630 |
| Noninterest expense to average assets | 2.4837% | 5,202 |
| Loan and lease loss provision to assets | 0.6564% | 825 |
| Net operating income to assets | 0.2195% | 5,924 |
| Return on assets (ROA) | 0.2515% | 5,966 |
| Pretax return on assets | 0.3623% | 5,827 |
| Return on Equity (ROE) | 2.5200% | 5,896 |
| Retained earnings to average equity (ytd only) | 2.5200% | 4,996 |
| Net charge-offs to loans | 0.9458% | 1,095 |
| Credit loss provision to net charge-offs | 115.4578% | 2,042 |
| Earnings coverage of net charge-offs (x) | 1.7105% | 3,478 |
| Efficiency ratio | 71.7751% | 3,486 |
| Assets per employee ($millions) | 3.9002% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2521% | 1,774 |
| Loan loss allowance to noncurrent loans | 40.4146% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 5.1525% | 994 |
| Noncurrent loans to loans | 5.5726% | 952 |
| Net loans and leases to total assets | 58.8208% | 3,899 |
| Net loans and leases to deposits | 69.4121% | 3,814 |
| Net loans and leases to core deposits | 74.1606% | 3,882 |
| Total domestic deposits to total assets | 84.7414% | 4,147 |
| Equity capital to assets | 10.1049% | 3,992 |
| Core capital (leverage) ratio | 9.2971% | 4,373 |
| Tier 1 risk-based capital ratio | 15.5984% | 3,394 |
| Total risk-based capital ratio | 16.8611% | 3,355 |
| Memoranda: | ||
| Average total assets | $1,183,396,500 | 559 |
| Average earning assets | $1,085,254,000 | 556 |
| Average equity | $118,094,000 | 609 |
| Average total loans | $711,353,500 | 575 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6550% | 4,438 |
| Cost of funding earning assets | 1.4660% | 818 |
| Net interest margin | 3.1890% | 6,127 |
| Noninterest income to average assets | 0.3709% | 4,854 |
| Noninterest expense to average assets | 2.4586% | 5,608 |
| Loan and lease loss provision to assets | 0.6825% | 1,499 |
| Net operating income to assets | 0.1135% | 5,837 |
| Return on assets (ROA) | 0.2804% | 5,482 |
| Pretax return on assets | 0.4070% | 5,275 |
| Return on Equity (ROE) | 2.9472% | 5,307 |
| Retained earnings to average equity (ytd only) | 2.9472% | 4,139 |
| Net charge-offs to loans | 2.7385% | 388 |
| Credit loss provision to net charge-offs | 39.5115% | 5,632 |
| Earnings coverage of net charge-offs (x) | 0.4907% | 5,461 |
| Efficiency ratio | 74.2731% | 3,179 |
| Assets per employee ($millions) | 4.0711% | 3,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1849% | 1,825 |
| Loan loss allowance to noncurrent loans | 40.2966% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 4.9809% | 1,077 |
| Noncurrent loans to loans | 5.4222% | 984 |
| Net loans and leases to total assets | 58.7353% | 4,241 |
| Net loans and leases to deposits | 69.9888% | 4,103 |
| Net loans and leases to core deposits | 74.7177% | 4,147 |
| Total domestic deposits to total assets | 83.9210% | 4,340 |
| Equity capital to assets | 9.8555% | 4,362 |
| Core capital (leverage) ratio | 9.3817% | 4,207 |
| Tier 1 risk-based capital ratio | 15.0269% | 3,622 |
| Total risk-based capital ratio | 16.2883% | 3,576 |
| Memoranda: | ||
| Average total assets | $1,208,834,800 | 540 |
| Average earning assets | $1,112,619,800 | 529 |
| Average equity | $115,025,000 | 600 |
| Average total loans | $762,472,600 | 537 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6905% | 4,502 |
| Cost of funding earning assets | 1.5310% | 772 |
| Net interest margin | 3.1596% | 6,261 |
| Noninterest income to average assets | 0.4124% | 4,567 |
| Noninterest expense to average assets | 2.4296% | 5,694 |
| Loan and lease loss provision to assets | 0.6596% | 1,472 |
| Net operating income to assets | 0.1624% | 5,793 |
| Return on assets (ROA) | 0.3099% | 5,533 |
| Pretax return on assets | 0.4512% | 5,313 |
| Return on Equity (ROE) | 3.2857% | 5,314 |
| Retained earnings to average equity (ytd only) | 3.2857% | 4,378 |
| Net charge-offs to loans | 2.9921% | 317 |
| Credit loss provision to net charge-offs | 34.5423% | 5,350 |
| Earnings coverage of net charge-offs (x) | 0.4697% | 5,271 |
| Efficiency ratio | 72.9478% | 3,370 |
| Assets per employee ($millions) | 4.0105% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2822% | 1,722 |
| Loan loss allowance to noncurrent loans | 40.1205% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 5.5068% | 1,015 |
| Noncurrent loans to loans | 5.6884% | 1,013 |
| Net loans and leases to total assets | 63.3449% | 3,447 |
| Net loans and leases to deposits | 76.2503% | 3,290 |
| Net loans and leases to core deposits | 82.0638% | 3,320 |
| Total domestic deposits to total assets | 83.0749% | 4,649 |
| Equity capital to assets | 10.3520% | 3,894 |
| Core capital (leverage) ratio | 9.1333% | 4,736 |
| Tier 1 risk-based capital ratio | 15.0527% | 3,630 |
| Total risk-based capital ratio | 16.3169% | 3,594 |
| Memoranda: | ||
| Average total assets | $1,212,835,500 | 546 |
| Average earning assets | $1,118,650,000 | 529 |
| Average equity | $114,391,250 | 608 |
| Average total loans | $774,024,750 | 534 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 4,673 |
| Cost of funding earning assets | 1.5741% | 775 |
| Net interest margin | 3.0931% | 6,422 |
| Noninterest income to average assets | 0.4092% | 4,610 |
| Noninterest expense to average assets | 2.3632% | 5,954 |
| Loan and lease loss provision to assets | 0.6067% | 1,587 |
| Net operating income to assets | 0.2066% | 5,715 |
| Return on assets (ROA) | 0.3348% | 5,368 |
| Pretax return on assets | 0.4770% | 5,143 |
| Return on Equity (ROE) | 3.6593% | 5,088 |
| Retained earnings to average equity (ytd only) | 3.6593% | 3,898 |
| Net charge-offs to loans | 4.2382% | 176 |
| Credit loss provision to net charge-offs | 22.5415% | 5,097 |
| Earnings coverage of net charge-offs (x) | 0.3346% | 5,065 |
| Efficiency ratio | 72.3181% | 3,667 |
| Assets per employee ($millions) | 4.1617% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0281% | 2,291 |
| Loan loss allowance to noncurrent loans | 34.3708% | 6,020 |
| Noncurrent assets plus other real estate owned to assets | 5.4810% | 1,080 |
| Noncurrent loans to loans | 5.9005% | 1,025 |
| Net loans and leases to total assets | 62.2621% | 3,836 |
| Net loans and leases to deposits | 74.0896% | 3,796 |
| Net loans and leases to core deposits | 80.0603% | 3,779 |
| Total domestic deposits to total assets | 84.0363% | 4,334 |
| Equity capital to assets | 9.6657% | 4,579 |
| Core capital (leverage) ratio | 8.5253% | 5,513 |
| Tier 1 risk-based capital ratio | 14.2288% | 3,993 |
| Total risk-based capital ratio | 15.4894% | 3,962 |
| Memoranda: | ||
| Average total assets | $1,236,115,000 | 541 |
| Average earning assets | $1,140,810,670 | 527 |
| Average equity | $113,080,670 | 616 |
| Average total loans | $785,053,000 | 534 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6640% | 4,676 |
| Cost of funding earning assets | 1.5821% | 867 |
| Net interest margin | 3.0819% | 6,394 |
| Noninterest income to average assets | 0.3971% | 4,723 |
| Noninterest expense to average assets | 2.3113% | 6,157 |
| Loan and lease loss provision to assets | 0.4773% | 1,842 |
| Net operating income to assets | 0.3210% | 5,308 |
| Return on assets (ROA) | 0.4105% | 4,991 |
| Pretax return on assets | 0.5792% | 4,764 |
| Return on Equity (ROE) | 4.6114% | 4,593 |
| Retained earnings to average equity (ytd only) | 4.6114% | 3,421 |
| Net charge-offs to loans | 3.6639% | 269 |
| Credit loss provision to net charge-offs | 20.5198% | 4,250 |
| Earnings coverage of net charge-offs (x) | 0.4000% | 4,319 |
| Efficiency ratio | 71.2084% | 4,011 |
| Assets per employee ($millions) | 4.3090% | 3,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8700% | 1,040 |
| Loan loss allowance to noncurrent loans | 75.4229% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 4.1111% | 1,616 |
| Noncurrent loans to loans | 3.8052% | 1,928 |
| Net loans and leases to total assets | 61.2780% | 4,019 |
| Net loans and leases to deposits | 73.6039% | 3,821 |
| Net loans and leases to core deposits | 79.7693% | 3,788 |
| Total domestic deposits to total assets | 83.2538% | 4,819 |
| Equity capital to assets | 9.0360% | 5,144 |
| Core capital (leverage) ratio | 8.3891% | 5,648 |
| Tier 1 risk-based capital ratio | 13.7202% | 4,262 |
| Total risk-based capital ratio | 14.9912% | 4,218 |
| Memoranda: | ||
| Average total assets | $1,256,975,000 | 530 |
| Average earning assets | $1,160,196,500 | 521 |
| Average equity | $111,897,500 | 617 |
| Average total loans | $798,054,500 | 539 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0352% | 4,389 |
| Cost of funding earning assets | 1.8037% | 1,160 |
| Net interest margin | 3.2315% | 6,190 |
| Noninterest income to average assets | 0.3330% | 5,405 |
| Noninterest expense to average assets | 2.3359% | 6,252 |
| Loan and lease loss provision to assets | 1.0506% | 1,534 |
| Net operating income to assets | -0.0825% | 5,965 |
| Return on assets (ROA) | 0.1132% | 5,699 |
| Pretax return on assets | 0.1190% | 5,667 |
| Return on Equity (ROE) | 1.2751% | 5,628 |
| Retained earnings to average equity (ytd only) | 1.2751% | 4,912 |
| Net charge-offs to loans | 1.8994% | 1,082 |
| Credit loss provision to net charge-offs | 81.0515% | 5,527 |
| Earnings coverage of net charge-offs (x) | 0.7434% | 5,375 |
| Efficiency ratio | 70.7093% | 4,035 |
| Assets per employee ($millions) | 4.4047% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4777% | 602 |
| Loan loss allowance to noncurrent loans | 97.7836% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 3.8698% | 1,770 |
| Noncurrent loans to loans | 3.5565% | 2,119 |
| Net loans and leases to total assets | 61.6598% | 4,359 |
| Net loans and leases to deposits | 73.8879% | 4,211 |
| Net loans and leases to core deposits | 80.0968% | 4,202 |
| Total domestic deposits to total assets | 83.4505% | 4,629 |
| Equity capital to assets | 8.7716% | 5,481 |
| Core capital (leverage) ratio | 8.2951% | 5,694 |
| Tier 1 risk-based capital ratio | 13.1070% | 4,517 |
| Total risk-based capital ratio | 14.3861% | 4,453 |
| Memoranda: | ||
| Average total assets | $1,270,724,400 | 533 |
| Average earning assets | $1,166,540,600 | 523 |
| Average equity | $112,772,200 | 597 |
| Average total loans | $867,174,400 | 518 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1304% | 4,170 |
| Cost of funding earning assets | 1.8429% | 1,246 |
| Net interest margin | 3.2875% | 6,059 |
| Noninterest income to average assets | 0.3029% | 5,727 |
| Noninterest expense to average assets | 2.2935% | 6,348 |
| Loan and lease loss provision to assets | 1.1389% | 1,273 |
| Net operating income to assets | -0.0988% | 6,181 |
| Return on assets (ROA) | 0.0902% | 5,939 |
| Pretax return on assets | 0.0719% | 5,967 |
| Return on Equity (ROE) | 1.0131% | 5,894 |
| Retained earnings to average equity (ytd only) | 1.0131% | 5,405 |
| Net charge-offs to loans | 2.1948% | 822 |
| Credit loss provision to net charge-offs | 74.8431% | 5,290 |
| Earnings coverage of net charge-offs (x) | 0.6715% | 5,373 |
| Efficiency ratio | 69.1204% | 4,242 |
| Assets per employee ($millions) | 4.3732% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2655% | 659 |
| Loan loss allowance to noncurrent loans | 104.2286% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 3.8652% | 1,827 |
| Noncurrent loans to loans | 3.1330% | 2,545 |
| Net loans and leases to total assets | 66.9041% | 3,483 |
| Net loans and leases to deposits | 81.4773% | 3,189 |
| Net loans and leases to core deposits | 88.3898% | 3,322 |
| Total domestic deposits to total assets | 82.1138% | 4,946 |
| Equity capital to assets | 9.2807% | 5,173 |
| Core capital (leverage) ratio | 8.3862% | 5,724 |
| Tier 1 risk-based capital ratio | 12.8726% | 4,671 |
| Total risk-based capital ratio | 14.1497% | 4,640 |
| Memoranda: | ||
| Average total assets | $1,270,163,750 | 526 |
| Average earning assets | $1,163,911,250 | 519 |
| Average equity | $113,050,250 | 588 |
| Average total loans | $880,670,750 | 508 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1607% | 4,140 |
| Cost of funding earning assets | 1.8432% | 1,462 |
| Net interest margin | 3.3175% | 5,954 |
| Noninterest income to average assets | 0.4357% | 4,647 |
| Noninterest expense to average assets | 2.2796% | 6,404 |
| Loan and lease loss provision to assets | 1.0359% | 1,404 |
| Net operating income to assets | 0.1364% | 5,765 |
| Return on assets (ROA) | 0.2541% | 5,501 |
| Pretax return on assets | 0.2957% | 5,510 |
| Return on Equity (ROE) | 2.8939% | 5,282 |
| Retained earnings to average equity (ytd only) | 2.8939% | 4,299 |
| Net charge-offs to loans | 2.1360% | 845 |
| Credit loss provision to net charge-offs | 69.8896% | 4,967 |
| Earnings coverage of net charge-offs (x) | 0.8061% | 4,965 |
| Efficiency ratio | 65.5308% | 5,060 |
| Assets per employee ($millions) | 4.0962% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3323% | 625 |
| Loan loss allowance to noncurrent loans | 116.2173% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 3.6859% | 1,899 |
| Noncurrent loans to loans | 2.8673% | 2,788 |
| Net loans and leases to total assets | 66.2582% | 3,781 |
| Net loans and leases to deposits | 81.7342% | 3,311 |
| Net loans and leases to core deposits | 89.3101% | 3,371 |
| Total domestic deposits to total assets | 81.0655% | 5,379 |
| Equity capital to assets | 9.2519% | 5,075 |
| Core capital (leverage) ratio | 8.2583% | 5,842 |
| Tier 1 risk-based capital ratio | 12.8389% | 4,571 |
| Total risk-based capital ratio | 14.1167% | 4,509 |
| Memoranda: | ||
| Average total assets | $1,283,930,000 | 518 |
| Average earning assets | $1,176,009,670 | 511 |
| Average equity | $112,718,000 | 584 |
| Average total loans | $890,922,670 | 505 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1169% | 4,450 |
| Cost of funding earning assets | 1.8233% | 1,781 |
| Net interest margin | 3.2936% | 6,000 |
| Noninterest income to average assets | 0.3019% | 5,737 |
| Noninterest expense to average assets | 2.2425% | 6,572 |
| Loan and lease loss provision to assets | 0.9991% | 1,248 |
| Net operating income to assets | 0.0669% | 6,112 |
| Return on assets (ROA) | 0.2877% | 5,477 |
| Pretax return on assets | 0.3123% | 5,564 |
| Return on Equity (ROE) | 3.3644% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.3644% | 4,141 |
| Net charge-offs to loans | 2.1823% | 779 |
| Credit loss provision to net charge-offs | 65.5903% | 4,191 |
| Earnings coverage of net charge-offs (x) | 0.7033% | 4,399 |
| Efficiency ratio | 67.5881% | 4,804 |
| Assets per employee ($millions) | 4.3996% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3548% | 602 |
| Loan loss allowance to noncurrent loans | 85.4684% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 4.1393% | 1,651 |
| Noncurrent loans to loans | 3.9252% | 2,015 |
| Net loans and leases to total assets | 65.9136% | 3,870 |
| Net loans and leases to deposits | 80.6431% | 3,525 |
| Net loans and leases to core deposits | 92.0964% | 3,093 |
| Total domestic deposits to total assets | 81.7350% | 5,182 |
| Equity capital to assets | 8.6174% | 5,847 |
| Core capital (leverage) ratio | 8.0304% | 6,191 |
| Tier 1 risk-based capital ratio | 12.2298% | 4,968 |
| Total risk-based capital ratio | 13.5075% | 4,909 |
| Memoranda: | ||
| Average total assets | $1,301,219,500 | 528 |
| Average earning assets | $1,189,949,000 | 521 |
| Average equity | $111,282,500 | 593 |
| Average total loans | $908,217,000 | 518 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5588% | 3,823 |
| Cost of funding earning assets | 2.1641% | 2,168 |
| Net interest margin | 3.3947% | 5,385 |
| Noninterest income to average assets | 0.4977% | 4,430 |
| Noninterest expense to average assets | 2.5586% | 5,926 |
| Loan and lease loss provision to assets | 3.3865% | 467 |
| Net operating income to assets | -1.5095% | 6,861 |
| Return on assets (ROA) | -1.3765% | 6,806 |
| Pretax return on assets | -2.1082% | 6,977 |
| Return on Equity (ROE) | -14.8134% | 6,924 |
| Retained earnings to average equity (ytd only) | -16.6169% | 6,967 |
| Net charge-offs to loans | 3.0338% | 693 |
| Credit loss provision to net charge-offs | 149.5010% | 3,116 |
| Earnings coverage of net charge-offs (x) | 0.4740% | 5,636 |
| Efficiency ratio | 65.7231% | 5,451 |
| Assets per employee ($millions) | 4.3924% | 3,124 |
| Cash dividends to net income (ytd only)* | -12.1751% | 7,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3719% | 587 |
| Loan loss allowance to noncurrent loans | 93.5500% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 4.0936% | 1,613 |
| Noncurrent loans to loans | 3.6044% | 2,095 |
| Net loans and leases to total assets | 68.9779% | 3,497 |
| Net loans and leases to deposits | 85.0406% | 3,075 |
| Net loans and leases to core deposits | 120.3880% | 1,924 |
| Total domestic deposits to total assets | 81.1118% | 5,311 |
| Equity capital to assets | 8.4873% | 5,900 |
| Core capital (leverage) ratio | 8.2230% | 5,772 |
| Tier 1 risk-based capital ratio | 11.6948% | 5,204 |
| Total risk-based capital ratio | 12.9721% | 5,138 |
| Memoranda: | ||
| Average total assets | $1,282,896,000 | 527 |
| Average earning assets | $1,184,551,400 | 516 |
| Average equity | $119,210,000 | 554 |
| Average total loans | $957,890,200 | 499 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6061% | 3,830 |
| Cost of funding earning assets | 2.2454% | 2,205 |
| Net interest margin | 3.3607% | 5,406 |
| Noninterest income to average assets | 0.5040% | 4,449 |
| Noninterest expense to average assets | 2.3359% | 6,608 |
| Loan and lease loss provision to assets | 2.2523% | 759 |
| Net operating income to assets | -0.6169% | 6,533 |
| Return on assets (ROA) | -0.4067% | 6,328 |
| Pretax return on assets | -0.6432% | 6,438 |
| Return on Equity (ROE) | -4.2823% | 6,369 |
| Retained earnings to average equity (ytd only) | -6.6450% | 6,468 |
| Net charge-offs to loans | 2.3827% | 772 |
| Credit loss provision to net charge-offs | 125.1958% | 4,019 |
| Earnings coverage of net charge-offs (x) | 0.7119% | 5,327 |
| Efficiency ratio | 64.5100% | 5,661 |
| Assets per employee ($millions) | 4.3229% | 3,163 |
| Cash dividends to net income (ytd only)* | -55.1707% | 7,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1997% | 1,422 |
| Loan loss allowance to noncurrent loans | 55.1456% | 4,656 |
| Noncurrent assets plus other real estate owned to assets | 4.2887% | 1,447 |
| Noncurrent loans to loans | 3.9889% | 1,844 |
| Net loans and leases to total assets | 73.7163% | 2,619 |
| Net loans and leases to deposits | 93.4129% | 1,982 |
| Net loans and leases to core deposits | 132.8533% | 1,278 |
| Total domestic deposits to total assets | 78.9144% | 5,832 |
| Equity capital to assets | 9.6831% | 4,520 |
| Core capital (leverage) ratio | 9.4536% | 3,972 |
| Tier 1 risk-based capital ratio | 12.9255% | 4,248 |
| Total risk-based capital ratio | 14.1880% | 4,162 |
| Memoranda: | ||
| Average total assets | $1,277,482,750 | 540 |
| Average earning assets | $1,183,173,250 | 526 |
| Average equity | $121,332,250 | 557 |
| Average total loans | $964,549,750 | 509 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6166% | 3,985 |
| Cost of funding earning assets | 2.3287% | 2,242 |
| Net interest margin | 3.2879% | 5,600 |
| Noninterest income to average assets | 0.5357% | 4,144 |
| Noninterest expense to average assets | 2.3309% | 6,674 |
| Loan and lease loss provision to assets | 2.7600% | 553 |
| Net operating income to assets | -0.9679% | 6,955 |
| Return on assets (ROA) | -0.7129% | 6,767 |
| Pretax return on assets | -1.1148% | 6,889 |
| Return on Equity (ROE) | -7.5560% | 6,860 |
| Retained earnings to average equity (ytd only) | -8.8871% | 6,762 |
| Net charge-offs to loans | 3.3709% | 468 |
| Credit loss provision to net charge-offs | 108.3780% | 4,267 |
| Earnings coverage of net charge-offs (x) | 0.4896% | 5,213 |
| Efficiency ratio | 65.0737% | 5,703 |
| Assets per employee ($millions) | 4.2754% | 3,153 |
| Cash dividends to net income (ytd only)* | -17.6173% | 7,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9067% | 1,779 |
| Loan loss allowance to noncurrent loans | 55.3064% | 4,700 |
| Noncurrent assets plus other real estate owned to assets | 3.5831% | 1,731 |
| Noncurrent loans to loans | 3.4476% | 2,040 |
| Net loans and leases to total assets | 73.2126% | 2,908 |
| Net loans and leases to deposits | 92.9843% | 2,274 |
| Net loans and leases to core deposits | 130.9611% | 1,489 |
| Total domestic deposits to total assets | 78.7366% | 5,883 |
| Equity capital to assets | 9.6918% | 4,360 |
| Core capital (leverage) ratio | 9.5664% | 3,792 |
| Tier 1 risk-based capital ratio | 12.6548% | 4,390 |
| Total risk-based capital ratio | 13.9127% | 4,304 |
| Memoranda: | ||
| Average total assets | $1,273,903,000 | 551 |
| Average earning assets | $1,178,609,330 | 540 |
| Average equity | $120,196,330 | 568 |
| Average total loans | $962,403,670 | 528 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6264% | 4,204 |
| Cost of funding earning assets | 2.4618% | 2,067 |
| Net interest margin | 3.1646% | 5,970 |
| Noninterest income to average assets | 0.5172% | 4,163 |
| Noninterest expense to average assets | 2.1965% | 6,876 |
| Loan and lease loss provision to assets | 1.3357% | 958 |
| Net operating income to assets | -0.0646% | 6,351 |
| Return on assets (ROA) | 0.4701% | 4,752 |
| Pretax return on assets | 0.6443% | 4,608 |
| Return on Equity (ROE) | 5.0525% | 4,455 |
| Retained earnings to average equity (ytd only) | 2.3343% | 4,580 |
| Net charge-offs to loans | 0.9337% | 1,417 |
| Credit loss provision to net charge-offs | 188.1960% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.7577% | 3,855 |
| Efficiency ratio | 63.6956% | 5,746 |
| Assets per employee ($millions) | 4.3109% | 3,054 |
| Cash dividends to net income (ytd only)* | 53.7996% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 1,475 |
| Loan loss allowance to noncurrent loans | 47.2937% | 5,373 |
| Noncurrent assets plus other real estate owned to assets | 4.1497% | 1,222 |
| Noncurrent loans to loans | 4.1724% | 1,427 |
| Net loans and leases to total assets | 73.7050% | 2,828 |
| Net loans and leases to deposits | 93.1114% | 2,415 |
| Net loans and leases to core deposits | 129.5757% | 1,693 |
| Total domestic deposits to total assets | 79.1578% | 5,666 |
| Equity capital to assets | 10.1492% | 3,829 |
| Core capital (leverage) ratio | 10.1914% | 3,204 |
| Tier 1 risk-based capital ratio | 13.3262% | 3,982 |
| Total risk-based capital ratio | 14.5850% | 3,888 |
| Memoranda: | ||
| Average total assets | $1,265,263,000 | 557 |
| Average earning assets | $1,170,191,000 | 553 |
| Average equity | $117,725,000 | 573 |
| Average total loans | $961,763,500 | 532 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6911% | 2,062 |
| Cost of funding earning assets | 3.2637% | 1,012 |
| Net interest margin | 3.4274% | 5,551 |
| Noninterest income to average assets | 0.6687% | 3,342 |
| Noninterest expense to average assets | 2.4023% | 6,382 |
| Loan and lease loss provision to assets | 1.0654% | 1,364 |
| Net operating income to assets | 0.2819% | 5,606 |
| Return on assets (ROA) | 0.3548% | 5,137 |
| Pretax return on assets | 0.4813% | 5,032 |
| Return on Equity (ROE) | 4.0947% | 4,783 |
| Retained earnings to average equity (ytd only) | -0.6577% | 5,494 |
| Net charge-offs to loans | 1.1977% | 1,010 |
| Credit loss provision to net charge-offs | 113.1439% | 4,768 |
| Earnings coverage of net charge-offs (x) | 1.5381% | 5,331 |
| Efficiency ratio | 62.3097% | 5,897 |
| Assets per employee ($millions) | 4.0856% | 3,331 |
| Cash dividends to net income (ytd only)* | 116.0631% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7709% | 1,703 |
| Loan loss allowance to noncurrent loans | 48.1031% | 5,601 |
| Noncurrent assets plus other real estate owned to assets | 3.8543% | 1,093 |
| Noncurrent loans to loans | 3.6815% | 1,369 |
| Net loans and leases to total assets | 75.4960% | 2,763 |
| Net loans and leases to deposits | 93.7286% | 2,816 |
| Net loans and leases to core deposits | 129.3920% | 1,900 |
| Total domestic deposits to total assets | 80.5475% | 4,823 |
| Equity capital to assets | 8.4392% | 6,188 |
| Core capital (leverage) ratio | 8.3343% | 5,885 |
| Tier 1 risk-based capital ratio | 10.7147% | 5,992 |
| Total risk-based capital ratio | 11.9712% | 5,890 |
| Memoranda: | ||
| Average total assets | $1,214,357,800 | 550 |
| Average earning assets | $1,127,347,400 | 541 |
| Average equity | $105,209,600 | 641 |
| Average total loans | $954,727,200 | 511 |