Home > Colorado Federal Savings Bank > Performance and Condition Ratios
Colorado Federal Savings 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 | 4.1763% | 3,671 |
| Cost of funding earning assets | 2.5540% | 331 |
| Net interest margin | 1.6223% | 4,492 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 0.7535% | 4,521 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.9790% | 2,279 |
| Return on assets (ROA) | 0.9790% | 2,270 |
| Pretax return on assets | 1.3085% | 1,849 |
| Return on Equity (ROE) | 8.4400% | 2,907 |
| Retained earnings to average equity (ytd only) | -3.1321% | 4,336 |
| Net charge-offs to loans | -0.0036% | 3,771 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 36.5216% | 4,428 |
| Assets per employee ($millions) | 33.3036% | 42 |
| Cash dividends to net income (ytd only)* | 137.1196% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 3,783 |
| Loan loss allowance to noncurrent loans | 2,403.6842% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.0245% | 3,542 |
| Noncurrent loans to loans | 0.0366% | 3,473 |
| Net loans and leases to total assets | 66.2600% | 2,232 |
| Net loans and leases to deposits | 136.7386% | 29 |
| Net loans and leases to core deposits | 175.3400% | 111 |
| Total domestic deposits to total assets | 48.4500% | 4,475 |
| Equity capital to assets | 10.3767% | 1,797 |
| Core capital (leverage) ratio | 9.8959% | 2,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0770% | 1,256 |
| Memoranda: | ||
| Average total assets | $2,161,869,000 | 530 |
| Average earning assets | $2,016,064,400 | 517 |
| Average equity | $250,823,800 | 451 |
| Average total loans | $1,559,999,000 | 501 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 3,924 |
| Cost of funding earning assets | 2.3076% | 400 |
| Net interest margin | 1.6417% | 4,507 |
| Noninterest income to average assets | 0.5600% | 1,683 |
| Noninterest expense to average assets | 0.7567% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0038% | 2,355 |
| Return on assets (ROA) | 1.0038% | 2,342 |
| Pretax return on assets | 1.3419% | 1,921 |
| Return on Equity (ROE) | 8.4100% | 3,083 |
| Retained earnings to average equity (ytd only) | 6.8290% | 2,353 |
| Net charge-offs to loans | -0.0027% | 3,627 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 36.0214% | 4,444 |
| Assets per employee ($millions) | 32.9134% | 43 |
| Cash dividends to net income (ytd only)* | 18.7755% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8747% | 3,812 |
| Loan loss allowance to noncurrent loans | 1,937.2521% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,481 |
| Noncurrent loans to loans | 0.0452% | 3,434 |
| Net loans and leases to total assets | 70.2800% | 1,793 |
| Net loans and leases to deposits | 118.6197% | 91 |
| Net loans and leases to core deposits | 145.6371% | 170 |
| Total domestic deposits to total assets | 59.2500% | 4,466 |
| Equity capital to assets | 11.7865% | 1,094 |
| Core capital (leverage) ratio | 12.0385% | 1,428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7512% | 853 |
| Memoranda: | ||
| Average total assets | $2,119,523,500 | 544 |
| Average earning assets | $1,983,831,500 | 525 |
| Average equity | $253,052,750 | 445 |
| Average total loans | $1,560,424,500 | 504 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7116% | 4,130 |
| Cost of funding earning assets | 2.1558% | 368 |
| Net interest margin | 1.5558% | 4,573 |
| Noninterest income to average assets | 0.1300% | 4,181 |
| Noninterest expense to average assets | 0.7716% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6193% | 3,533 |
| Return on assets (ROA) | 0.6193% | 3,537 |
| Pretax return on assets | 0.8152% | 3,373 |
| Return on Equity (ROE) | 5.1600% | 3,861 |
| Retained earnings to average equity (ytd only) | 3.5922% | 3,321 |
| Net charge-offs to loans | -0.0037% | 3,648 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.6257% | 4,026 |
| Assets per employee ($millions) | 32.6997% | 40 |
| Cash dividends to net income (ytd only)* | 30.4402% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8526% | 3,894 |
| Loan loss allowance to noncurrent loans | 1,628.2268% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 3,407 |
| Noncurrent loans to loans | 0.0524% | 3,328 |
| Net loans and leases to total assets | 70.5900% | 1,677 |
| Net loans and leases to deposits | 134.8156% | 40 |
| Net loans and leases to core deposits | 167.6622% | 87 |
| Total domestic deposits to total assets | 52.3600% | 4,516 |
| Equity capital to assets | 11.3501% | 1,247 |
| Core capital (leverage) ratio | 12.5642% | 1,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4189% | 771 |
| Memoranda: | ||
| Average total assets | $2,090,966,000 | 539 |
| Average earning assets | $1,959,221,333 | 522 |
| Average equity | $250,765,000 | 438 |
| Average total loans | $1,559,383,333 | 495 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 4,100 |
| Cost of funding earning assets | 2.0498% | 268 |
| Net interest margin | 1.6018% | 4,629 |
| Noninterest income to average assets | 0.0300% | 4,580 |
| Noninterest expense to average assets | 0.7922% | 4,646 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5611% | 3,771 |
| Return on assets (ROA) | 0.5611% | 3,737 |
| Pretax return on assets | 0.7338% | 3,599 |
| Return on Equity (ROE) | 4.5400% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.0165% | 3,500 |
| Net charge-offs to loans | -0.0013% | 3,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.9161% | 3,786 |
| Assets per employee ($millions) | 29.2846% | 49 |
| Cash dividends to net income (ytd only)* | 33.6268% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 3,938 |
| Loan loss allowance to noncurrent loans | 2,155.8400% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 3,471 |
| Noncurrent loans to loans | 0.0403% | 3,451 |
| Net loans and leases to total assets | 76.1600% | 957 |
| Net loans and leases to deposits | 141.6667% | 24 |
| Net loans and leases to core deposits | 181.8051% | 51 |
| Total domestic deposits to total assets | 53.7600% | 4,569 |
| Equity capital to assets | 12.4290% | 890 |
| Core capital (leverage) ratio | 12.5514% | 1,116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2220% | 719 |
| Memoranda: | ||
| Average total assets | $2,024,660,500 | 570 |
| Average earning assets | $1,895,824,500 | 547 |
| Average equity | $249,958,500 | 451 |
| Average total loans | $1,547,460,500 | 508 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 3,971 |
| Cost of funding earning assets | 0.7915% | 397 |
| Net interest margin | 2.3210% | 4,413 |
| Noninterest income to average assets | 1.4100% | 374 |
| Noninterest expense to average assets | 0.7905% | 4,668 |
| Loan and lease loss provision to assets | -0.0500% | 4,417 |
| Net operating income to assets | 2.0942% | 249 |
| Return on assets (ROA) | 2.0942% | 240 |
| Pretax return on assets | 2.8334% | 149 |
| Return on Equity (ROE) | 17.4200% | 792 |
| Retained earnings to average equity (ytd only) | 6.7426% | 2,346 |
| Net charge-offs to loans | -0.0716% | 4,438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 22.1095% | 4,684 |
| Assets per employee ($millions) | 28.5730% | 51 |
| Cash dividends to net income (ytd only)* | 61.2950% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8731% | 3,861 |
| Loan loss allowance to noncurrent loans | 2,367.1353% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 3,522 |
| Noncurrent loans to loans | 0.0369% | 3,514 |
| Net loans and leases to total assets | 75.3700% | 1,080 |
| Net loans and leases to deposits | 176.1928% | 8 |
| Net loans and leases to core deposits | 204.4280% | 25 |
| Total domestic deposits to total assets | 42.7800% | 4,619 |
| Equity capital to assets | 12.2627% | 860 |
| Core capital (leverage) ratio | 12.3724% | 1,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3662% | 687 |
| Memoranda: | ||
| Average total assets | $2,084,881,400 | 525 |
| Average earning assets | $1,945,505,000 | 515 |
| Average equity | $250,632,000 | 438 |
| Average total loans | $1,592,547,800 | 451 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9678% | 3,946 |
| Cost of funding earning assets | 0.5866% | 464 |
| Net interest margin | 2.3813% | 4,347 |
| Noninterest income to average assets | 1.8400% | 291 |
| Noninterest expense to average assets | 0.7900% | 4,704 |
| Loan and lease loss provision to assets | -0.0600% | 4,520 |
| Net operating income to assets | 2.4599% | 160 |
| Return on assets (ROA) | 2.4599% | 157 |
| Pretax return on assets | 3.3342% | 115 |
| Return on Equity (ROE) | 20.5600% | 392 |
| Retained earnings to average equity (ytd only) | 14.7976% | 382 |
| Net charge-offs to loans | -0.0922% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 19.4602% | 4,726 |
| Assets per employee ($millions) | 28.4959% | 52 |
| Cash dividends to net income (ytd only)* | 28.0343% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8651% | 3,951 |
| Loan loss allowance to noncurrent loans | 1,683.9599% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 3,537 |
| Noncurrent loans to loans | 0.0514% | 3,509 |
| Net loans and leases to total assets | 73.0300% | 1,177 |
| Net loans and leases to deposits | 125.6684% | 36 |
| Net loans and leases to core deposits | 144.9703% | 81 |
| Total domestic deposits to total assets | 58.1100% | 4,628 |
| Equity capital to assets | 12.2945% | 821 |
| Core capital (leverage) ratio | 12.6559% | 1,010 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2637% | 622 |
| Memoranda: | ||
| Average total assets | $2,098,930,750 | 525 |
| Average earning assets | $1,959,759,250 | 512 |
| Average equity | $251,097,000 | 442 |
| Average total loans | $1,605,040,250 | 441 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8898% | 3,810 |
| Cost of funding earning assets | 0.4619% | 651 |
| Net interest margin | 2.4279% | 4,192 |
| Noninterest income to average assets | 2.5604% | 179 |
| Noninterest expense to average assets | 0.7939% | 4,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.9722% | 72 |
| Return on assets (ROA) | 2.9722% | 68 |
| Pretax return on assets | 4.0354% | 53 |
| Return on Equity (ROE) | 25.0779% | 109 |
| Retained earnings to average equity (ytd only) | 16.8340% | 158 |
| Net charge-offs to loans | -0.0117% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.4397% | 4,760 |
| Assets per employee ($millions) | 27.8399% | 51 |
| Cash dividends to net income (ytd only)* | 32.8731% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 4,133 |
| Loan loss allowance to noncurrent loans | 3,096.3134% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 3,805 |
| Noncurrent loans to loans | 0.0267% | 3,758 |
| Net loans and leases to total assets | 75.2648% | 798 |
| Net loans and leases to deposits | 131.6981% | 24 |
| Net loans and leases to core deposits | 152.9875% | 47 |
| Total domestic deposits to total assets | 57.1495% | 4,703 |
| Equity capital to assets | 11.9409% | 899 |
| Core capital (leverage) ratio | 11.9438% | 1,172 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1639% | 695 |
| Memoranda: | ||
| Average total assets | $2,095,675,000 | 518 |
| Average earning assets | $1,958,412,000 | 518 |
| Average equity | $248,378,000 | 446 |
| Average total loans | $1,622,267,333 | 434 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7886% | 3,763 |
| Cost of funding earning assets | 0.3712% | 1,049 |
| Net interest margin | 2.4174% | 4,040 |
| Noninterest income to average assets | 2.9783% | 161 |
| Noninterest expense to average assets | 0.8140% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.2555% | 64 |
| Return on assets (ROA) | 3.2555% | 62 |
| Pretax return on assets | 4.4223% | 53 |
| Return on Equity (ROE) | 27.5754% | 73 |
| Retained earnings to average equity (ytd only) | 11.8440% | 630 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.5457% | 4,785 |
| Assets per employee ($millions) | 28.9875% | 52 |
| Cash dividends to net income (ytd only)* | 57.0488% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8280% | 4,200 |
| Loan loss allowance to noncurrent loans | 2,461.8081% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 3,783 |
| Noncurrent loans to loans | 0.0336% | 3,742 |
| Net loans and leases to total assets | 77.6498% | 400 |
| Net loans and leases to deposits | 131.6780% | 19 |
| Net loans and leases to core deposits | 152.8383% | 41 |
| Total domestic deposits to total assets | 58.9695% | 4,731 |
| Equity capital to assets | 11.9524% | 972 |
| Core capital (leverage) ratio | 11.9022% | 1,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6347% | 806 |
| Memoranda: | ||
| Average total assets | $2,071,677,000 | 531 |
| Average earning assets | $1,935,155,000 | 526 |
| Average equity | $244,580,000 | 459 |
| Average total loans | $1,619,967,500 | 436 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7749% | 4,240 |
| Cost of funding earning assets | 0.4310% | 1,322 |
| Net interest margin | 2.3440% | 4,377 |
| Noninterest income to average assets | -0.6190% | 4,839 |
| Noninterest expense to average assets | 0.7938% | 4,787 |
| Loan and lease loss provision to assets | -0.0492% | 4,351 |
| Net operating income to assets | 0.6460% | 3,759 |
| Return on assets (ROA) | 0.6460% | 3,816 |
| Pretax return on assets | 0.8487% | 3,628 |
| Return on Equity (ROE) | 5.4333% | 3,900 |
| Retained earnings to average equity (ytd only) | -0.5538% | 4,555 |
| Net charge-offs to loans | -0.0210% | 4,000 |
| Credit loss provision to net charge-offs | 335.5705% | 1,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8210% | 4,297 |
| Assets per employee ($millions) | 37.2364% | 41 |
| Cash dividends to net income (ytd only)* | 110.1934% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8194% | 4,236 |
| Loan loss allowance to noncurrent loans | 5,315.9363% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,003 |
| Noncurrent loans to loans | 0.0154% | 3,977 |
| Net loans and leases to total assets | 77.4552% | 413 |
| Net loans and leases to deposits | 148.8575% | 8 |
| Net loans and leases to core deposits | 170.1619% | 35 |
| Total domestic deposits to total assets | 52.0331% | 4,790 |
| Equity capital to assets | 11.6613% | 1,416 |
| Core capital (leverage) ratio | 10.3340% | 2,048 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2643% | 857 |
| Memoranda: | ||
| Average total assets | $2,033,447,800 | 522 |
| Average earning assets | $1,919,281,000 | 515 |
| Average equity | $241,770,000 | 461 |
| Average total loans | $1,419,640,200 | 484 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6717% | 4,437 |
| Cost of funding earning assets | 0.4377% | 1,437 |
| Net interest margin | 2.2340% | 4,543 |
| Noninterest income to average assets | -0.7376% | 4,914 |
| Noninterest expense to average assets | 0.7917% | 4,869 |
| Loan and lease loss provision to assets | -0.1650% | 4,703 |
| Net operating income to assets | 0.5743% | 4,054 |
| Return on assets (ROA) | 0.5743% | 4,096 |
| Pretax return on assets | 0.7498% | 3,988 |
| Return on Equity (ROE) | 4.8064% | 4,162 |
| Retained earnings to average equity (ytd only) | -2.8459% | 4,739 |
| Net charge-offs to loans | -0.0127% | 3,774 |
| Credit loss provision to net charge-offs | 1,923.0769% | 339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5140% | 3,349 |
| Assets per employee ($millions) | 40.1866% | 40 |
| Cash dividends to net income (ytd only)* | 159.2095% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6414% | 4,583 |
| Loan loss allowance to noncurrent loans | 831.5527% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 3,691 |
| Noncurrent loans to loans | 0.0771% | 3,705 |
| Net loans and leases to total assets | 78.9518% | 350 |
| Net loans and leases to deposits | 125.7656% | 33 |
| Net loans and leases to core deposits | 134.1855% | 102 |
| Total domestic deposits to total assets | 62.7769% | 4,821 |
| Equity capital to assets | 10.4976% | 2,464 |
| Core capital (leverage) ratio | 11.8325% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4139% | 1,264 |
| Memoranda: | ||
| Average total assets | $2,020,500,000 | 525 |
| Average earning assets | $1,912,193,000 | 517 |
| Average equity | $241,421,250 | 460 |
| Average total loans | $1,367,433,000 | 509 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7821% | 4,369 |
| Cost of funding earning assets | 0.5021% | 1,190 |
| Net interest margin | 2.2800% | 4,536 |
| Noninterest income to average assets | -0.4945% | 4,950 |
| Noninterest expense to average assets | 0.8229% | 4,901 |
| Loan and lease loss provision to assets | -0.2590% | 4,815 |
| Net operating income to assets | 0.8320% | 3,418 |
| Return on assets (ROA) | 0.8320% | 3,487 |
| Pretax return on assets | 1.0997% | 3,214 |
| Return on Equity (ROE) | 6.6443% | 3,743 |
| Retained earnings to average equity (ytd only) | -4.3079% | 4,765 |
| Net charge-offs to loans | -0.0150% | 3,852 |
| Credit loss provision to net charge-offs | 2,747.2527% | 220 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4644% | 4,276 |
| Assets per employee ($millions) | 32.5893% | 47 |
| Cash dividends to net income (ytd only)* | 164.8363% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 4,055 |
| Loan loss allowance to noncurrent loans | 176.7852% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.3607% | 2,161 |
| Noncurrent loans to loans | 0.5281% | 2,088 |
| Net loans and leases to total assets | 67.6580% | 1,492 |
| Net loans and leases to deposits | 87.9504% | 778 |
| Net loans and leases to core deposits | 94.3693% | 888 |
| Total domestic deposits to total assets | 76.9274% | 4,517 |
| Equity capital to assets | 13.2050% | 891 |
| Core capital (leverage) ratio | 12.3253% | 975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0231% | 616 |
| Memoranda: | ||
| Average total assets | $1,930,454,000 | 548 |
| Average earning assets | $1,827,283,667 | 538 |
| Average equity | $241,741,333 | 458 |
| Average total loans | $1,216,519,333 | 565 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6480% | 4,528 |
| Cost of funding earning assets | 0.5549% | 1,071 |
| Net interest margin | 2.0930% | 4,682 |
| Noninterest income to average assets | -0.5811% | 4,975 |
| Noninterest expense to average assets | 0.7878% | 4,940 |
| Loan and lease loss provision to assets | -0.1513% | 4,777 |
| Net operating income to assets | 0.5879% | 3,970 |
| Return on assets (ROA) | 0.5879% | 4,033 |
| Pretax return on assets | 0.7671% | 3,872 |
| Return on Equity (ROE) | 4.8159% | 4,131 |
| Retained earnings to average equity (ytd only) | -16.0320% | 4,887 |
| Net charge-offs to loans | -0.0100% | 3,665 |
| Credit loss provision to net charge-offs | 2,500.0000% | 206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1288% | 3,532 |
| Assets per employee ($millions) | 34.4634% | 43 |
| Cash dividends to net income (ytd only)* | 432.8988% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0259% | 3,743 |
| Loan loss allowance to noncurrent loans | 102.5710% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 0.6613% | 1,431 |
| Noncurrent loans to loans | 1.0002% | 1,341 |
| Net loans and leases to total assets | 65.4410% | 1,875 |
| Net loans and leases to deposits | 75.0902% | 2,011 |
| Net loans and leases to core deposits | 77.3330% | 2,231 |
| Total domestic deposits to total assets | 87.1499% | 2,254 |
| Equity capital to assets | 12.0434% | 1,261 |
| Core capital (leverage) ratio | 10.7146% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9199% | 942 |
| Memoranda: | ||
| Average total assets | $1,983,180,000 | 524 |
| Average earning assets | $1,880,544,000 | 514 |
| Average equity | $242,116,500 | 456 |
| Average total loans | $1,201,581,500 | 573 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6450% | 4,809 |
| Cost of funding earning assets | 0.7417% | 1,500 |
| Net interest margin | 1.9033% | 4,858 |
| Noninterest income to average assets | 0.1019% | 4,740 |
| Noninterest expense to average assets | 0.7011% | 4,961 |
| Loan and lease loss provision to assets | 0.0845% | 3,322 |
| Net operating income to assets | 0.8445% | 2,919 |
| Return on assets (ROA) | 0.8445% | 3,054 |
| Pretax return on assets | 1.1318% | 2,576 |
| Return on Equity (ROE) | 7.7436% | 2,909 |
| Retained earnings to average equity (ytd only) | 2.5162% | 3,592 |
| Net charge-offs to loans | 0.1125% | 1,352 |
| Credit loss provision to net charge-offs | 159.9481% | 2,369 |
| Earnings coverage of net charge-offs (x) | 23.0260% | 1,822 |
| Efficiency ratio | 36.5634% | 4,931 |
| Assets per employee ($millions) | 34.5163% | 38 |
| Cash dividends to net income (ytd only)* | 67.5054% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2718% | 2,563 |
| Loan loss allowance to noncurrent loans | 96.3504% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7281% | 1,424 |
| Noncurrent loans to loans | 1.3200% | 1,028 |
| Net loans and leases to total assets | 54.4600% | 3,450 |
| Net loans and leases to deposits | 62.8447% | 3,539 |
| Net loans and leases to core deposits | 65.2079% | 3,614 |
| Total domestic deposits to total assets | 86.6580% | 2,094 |
| Equity capital to assets | 12.3705% | 1,383 |
| Core capital (leverage) ratio | 10.1261% | 2,491 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0696% | 654 |
| Memoranda: | ||
| Average total assets | $2,188,381,800 | 442 |
| Average earning assets | $2,087,394,400 | 426 |
| Average equity | $238,649,600 | 439 |
| Average total loans | $1,027,499,800 | 622 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6377% | 4,873 |
| Cost of funding earning assets | 0.7702% | 1,636 |
| Net interest margin | 1.8676% | 4,924 |
| Noninterest income to average assets | 0.0023% | 4,985 |
| Noninterest expense to average assets | 0.6308% | 5,010 |
| Loan and lease loss provision to assets | 0.0736% | 3,403 |
| Net operating income to assets | 0.8033% | 3,075 |
| Return on assets (ROA) | 0.8033% | 3,195 |
| Pretax return on assets | 1.0792% | 2,812 |
| Return on Equity (ROE) | 7.5943% | 2,967 |
| Retained earnings to average equity (ytd only) | 0.9075% | 4,284 |
| Net charge-offs to loans | 0.0234% | 2,377 |
| Credit loss provision to net charge-offs | 697.1751% | 1,072 |
| Earnings coverage of net charge-offs (x) | 109.1808% | 746 |
| Efficiency ratio | 35.3657% | 4,959 |
| Assets per employee ($millions) | 43.9902% | 30 |
| Cash dividends to net income (ytd only)* | 88.0505% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,516 |
| Loan loss allowance to noncurrent loans | 111.1977% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 2,144 |
| Noncurrent loans to loans | 1.1044% | 1,368 |
| Net loans and leases to total assets | 46.2179% | 4,303 |
| Net loans and leases to deposits | 51.7477% | 4,420 |
| Net loans and leases to core deposits | 53.3099% | 4,480 |
| Total domestic deposits to total assets | 89.3140% | 640 |
| Equity capital to assets | 9.7440% | 3,479 |
| Core capital (leverage) ratio | 9.4159% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4397% | 850 |
| Memoranda: | ||
| Average total assets | $2,234,991,250 | 426 |
| Average earning assets | $2,131,780,250 | 413 |
| Average equity | $236,399,250 | 436 |
| Average total loans | $1,008,298,750 | 626 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7831% | 4,913 |
| Cost of funding earning assets | 0.8681% | 1,503 |
| Net interest margin | 1.9150% | 4,967 |
| Noninterest income to average assets | -0.6179% | 5,052 |
| Noninterest expense to average assets | 0.6663% | 5,042 |
| Loan and lease loss provision to assets | 0.0933% | 3,105 |
| Net operating income to assets | 0.3387% | 4,351 |
| Return on assets (ROA) | 0.3387% | 4,408 |
| Pretax return on assets | 0.4440% | 4,344 |
| Return on Equity (ROE) | 3.1066% | 4,325 |
| Retained earnings to average equity (ytd only) | -6.5085% | 4,831 |
| Net charge-offs to loans | 0.0059% | 2,753 |
| Credit loss provision to net charge-offs | 3,571.4286% | 307 |
| Earnings coverage of net charge-offs (x) | 205.7143% | 433 |
| Efficiency ratio | 55.3592% | 4,022 |
| Assets per employee ($millions) | 41.0078% | 30 |
| Cash dividends to net income (ytd only)* | 309.5015% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 1,301 |
| Loan loss allowance to noncurrent loans | 1,560.3486% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 4,343 |
| Noncurrent loans to loans | 0.0952% | 4,074 |
| Net loans and leases to total assets | 40.6517% | 4,586 |
| Net loans and leases to deposits | 45.7124% | 4,659 |
| Net loans and leases to core deposits | 47.3891% | 4,680 |
| Total domestic deposits to total assets | 88.9294% | 773 |
| Equity capital to assets | 10.0821% | 3,127 |
| Core capital (leverage) ratio | 10.6495% | 2,233 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6864% | 811 |
| Memoranda: | ||
| Average total assets | $2,144,173,667 | 432 |
| Average earning assets | $2,039,411,333 | 417 |
| Average equity | $233,757,000 | 437 |
| Average total loans | $953,299,333 | 652 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1707% | 4,881 |
| Cost of funding earning assets | 0.9724% | 1,549 |
| Net interest margin | 2.1983% | 4,962 |
| Noninterest income to average assets | -1.3718% | 5,104 |
| Noninterest expense to average assets | 0.6972% | 5,083 |
| Loan and lease loss provision to assets | 0.1954% | 1,547 |
| Net operating income to assets | -0.1201% | 4,809 |
| Return on assets (ROA) | -0.1201% | 4,795 |
| Pretax return on assets | -0.1852% | 4,803 |
| Return on Equity (ROE) | -1.0567% | 4,803 |
| Retained earnings to average equity (ytd only) | -19.3021% | 4,956 |
| Net charge-offs to loans | -0.0013% | 3,616 |
| Credit loss provision to net charge-offs | -33,333.3333% | 4,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5639% | 267 |
| Assets per employee ($millions) | 35.7823% | 32 |
| Cash dividends to net income (ytd only)* | -1,726.6667% | 5,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 1,278 |
| Loan loss allowance to noncurrent loans | 2,990.6250% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,495 |
| Noncurrent loans to loans | 0.0508% | 4,346 |
| Net loans and leases to total assets | 44.8520% | 4,475 |
| Net loans and leases to deposits | 55.1684% | 4,400 |
| Net loans and leases to core deposits | 59.4727% | 4,381 |
| Total domestic deposits to total assets | 81.3002% | 3,599 |
| Equity capital to assets | 10.9806% | 2,871 |
| Core capital (leverage) ratio | 11.4150% | 2,141 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6385% | 1,043 |
| Memoranda: | ||
| Average total assets | $2,047,539,500 | 442 |
| Average earning assets | $1,936,631,000 | 424 |
| Average equity | $232,803,500 | 438 |
| Average total loans | $947,682,000 | 631 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6906% | 4,688 |
| Cost of funding earning assets | 1.1289% | 1,231 |
| Net interest margin | 2.5617% | 4,936 |
| Noninterest income to average assets | -0.1444% | 5,159 |
| Noninterest expense to average assets | 1.0309% | 5,115 |
| Loan and lease loss provision to assets | 0.0993% | 2,065 |
| Net operating income to assets | 0.8393% | 3,421 |
| Return on assets (ROA) | 0.8393% | 3,509 |
| Pretax return on assets | 1.1315% | 3,073 |
| Return on Equity (ROE) | 7.0957% | 3,522 |
| Retained earnings to average equity (ytd only) | 5.9981% | 1,869 |
| Net charge-offs to loans | 0.0325% | 2,738 |
| Credit loss provision to net charge-offs | 584.2593% | 528 |
| Earnings coverage of net charge-offs (x) | 72.4167% | 864 |
| Efficiency ratio | 45.5804% | 4,927 |
| Assets per employee ($millions) | 33.6618% | 33 |
| Cash dividends to net income (ytd only)* | 15.4688% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 1,506 |
| Loan loss allowance to noncurrent loans | 3,513.6842% | 196 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 4,504 |
| Noncurrent loans to loans | 0.0400% | 4,403 |
| Net loans and leases to total assets | 46.3835% | 4,507 |
| Net loans and leases to deposits | 67.1713% | 3,883 |
| Net loans and leases to core deposits | 74.0924% | 3,713 |
| Total domestic deposits to total assets | 69.0526% | 4,967 |
| Equity capital to assets | 11.7699% | 2,306 |
| Core capital (leverage) ratio | 11.0916% | 2,417 |
| Tier 1 risk-based capital ratio | 17.7530% | 1,824 |
| Total risk-based capital ratio | 18.7970% | 1,830 |
| Memoranda: | ||
| Average total assets | $1,906,260,200 | 442 |
| Average earning assets | $1,790,517,000 | 432 |
| Average equity | $225,489,400 | 428 |
| Average total loans | $997,383,000 | 576 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7197% | 4,761 |
| Cost of funding earning assets | 1.1478% | 1,184 |
| Net interest margin | 2.5719% | 5,021 |
| Noninterest income to average assets | -0.3262% | 5,240 |
| Noninterest expense to average assets | 1.1390% | 5,182 |
| Loan and lease loss provision to assets | 0.1269% | 1,523 |
| Net operating income to assets | 0.6108% | 4,272 |
| Return on assets (ROA) | 0.6108% | 4,320 |
| Pretax return on assets | 0.8206% | 4,071 |
| Return on Equity (ROE) | 5.1568% | 4,289 |
| Retained earnings to average equity (ytd only) | 4.0443% | 3,373 |
| Net charge-offs to loans | 0.1633% | 1,032 |
| Credit loss provision to net charge-offs | 144.6602% | 1,681 |
| Earnings coverage of net charge-offs (x) | 10.7977% | 2,477 |
| Efficiency ratio | 54.5885% | 4,323 |
| Assets per employee ($millions) | 35.7787% | 29 |
| Cash dividends to net income (ytd only)* | 21.5738% | 2,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 2,267 |
| Loan loss allowance to noncurrent loans | 140.0590% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 2,852 |
| Noncurrent loans to loans | 0.8881% | 1,804 |
| Net loans and leases to total assets | 45.6197% | 4,623 |
| Net loans and leases to deposits | 52.5160% | 4,688 |
| Net loans and leases to core deposits | 56.4899% | 4,670 |
| Total domestic deposits to total assets | 86.8682% | 1,588 |
| Equity capital to assets | 10.7713% | 3,316 |
| Core capital (leverage) ratio | 10.5796% | 3,024 |
| Tier 1 risk-based capital ratio | 16.1519% | 2,372 |
| Total risk-based capital ratio | 17.0582% | 2,451 |
| Memoranda: | ||
| Average total assets | $1,877,898,500 | 449 |
| Average earning assets | $1,761,702,750 | 437 |
| Average equity | $222,432,250 | 434 |
| Average total loans | $1,009,188,000 | 568 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8641% | 4,617 |
| Cost of funding earning assets | 1.2309% | 915 |
| Net interest margin | 2.6332% | 5,049 |
| Noninterest income to average assets | -0.3558% | 5,289 |
| Noninterest expense to average assets | 1.3450% | 5,187 |
| Loan and lease loss provision to assets | 0.1843% | 965 |
| Net operating income to assets | 0.4291% | 4,679 |
| Return on assets (ROA) | 0.4291% | 4,702 |
| Pretax return on assets | 0.5725% | 4,589 |
| Return on Equity (ROE) | 3.4961% | 4,687 |
| Retained earnings to average equity (ytd only) | 2.3681% | 3,997 |
| Net charge-offs to loans | 0.2338% | 724 |
| Credit loss provision to net charge-offs | 138.4874% | 1,579 |
| Earnings coverage of net charge-offs (x) | 5.6866% | 2,629 |
| Efficiency ratio | 63.9919% | 3,132 |
| Assets per employee ($millions) | 30.1005% | 31 |
| Cash dividends to net income (ytd only)* | 32.2648% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2011% | 2,520 |
| Loan loss allowance to noncurrent loans | 138.7397% | 2,774 |
| Noncurrent assets plus other real estate owned to assets | 0.5167% | 2,488 |
| Noncurrent loans to loans | 0.8658% | 1,875 |
| Net loans and leases to total assets | 56.6955% | 4,031 |
| Net loans and leases to deposits | 66.6546% | 4,051 |
| Net loans and leases to core deposits | 72.9118% | 3,950 |
| Total domestic deposits to total assets | 85.0587% | 2,449 |
| Equity capital to assets | 12.6763% | 1,758 |
| Core capital (leverage) ratio | 11.3735% | 2,272 |
| Tier 1 risk-based capital ratio | 16.9728% | 2,100 |
| Total risk-based capital ratio | 17.9497% | 2,119 |
| Memoranda: | ||
| Average total assets | $1,788,290,330 | 470 |
| Average earning assets | $1,668,991,670 | 461 |
| Average equity | $219,499,330 | 441 |
| Average total loans | $1,018,029,330 | 561 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 4,597 |
| Cost of funding earning assets | 1.2811% | 702 |
| Net interest margin | 2.5932% | 5,142 |
| Noninterest income to average assets | -0.2111% | 5,342 |
| Noninterest expense to average assets | 1.7168% | 5,006 |
| Loan and lease loss provision to assets | 0.2323% | 651 |
| Net operating income to assets | 0.1935% | 5,012 |
| Return on assets (ROA) | 0.1935% | 5,018 |
| Pretax return on assets | 0.2492% | 5,001 |
| Return on Equity (ROE) | 1.6023% | 5,012 |
| Retained earnings to average equity (ytd only) | 0.4596% | 4,442 |
| Net charge-offs to loans | 0.3062% | 491 |
| Credit loss provision to net charge-offs | 133.7612% | 1,332 |
| Earnings coverage of net charge-offs (x) | 2.7728% | 2,462 |
| Efficiency ratio | 78.0977% | 1,254 |
| Assets per employee ($millions) | 26.3811% | 39 |
| Cash dividends to net income (ytd only)* | 71.3134% | 1,093 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 2,631 |
| Loan loss allowance to noncurrent loans | 128.6966% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 2,424 |
| Noncurrent loans to loans | 0.9250% | 1,805 |
| Net loans and leases to total assets | 57.4221% | 3,949 |
| Net loans and leases to deposits | 86.6428% | 2,050 |
| Net loans and leases to core deposits | 94.2980% | 2,094 |
| Total domestic deposits to total assets | 66.2745% | 5,209 |
| Equity capital to assets | 12.5682% | 1,694 |
| Core capital (leverage) ratio | 11.2821% | 2,309 |
| Tier 1 risk-based capital ratio | 16.5562% | 2,243 |
| Total risk-based capital ratio | 17.5201% | 2,292 |
| Memoranda: | ||
| Average total assets | $1,794,472,000 | 472 |
| Average earning assets | $1,667,302,500 | 464 |
| Average equity | $216,688,500 | 445 |
| Average total loans | $1,017,488,000 | 564 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3398% | 5,052 |
| Cost of funding earning assets | 1.0222% | 696 |
| Net interest margin | 2.3176% | 5,279 |
| Noninterest income to average assets | 0.1727% | 4,864 |
| Noninterest expense to average assets | 0.9720% | 5,357 |
| Loan and lease loss provision to assets | 0.1997% | 950 |
| Net operating income to assets | 0.9160% | 3,380 |
| Return on assets (ROA) | 0.8476% | 3,614 |
| Pretax return on assets | 1.0840% | 3,332 |
| Return on Equity (ROE) | 7.5266% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.3351% | 2,015 |
| Net charge-offs to loans | 0.0004% | 3,773 |
| Credit loss provision to net charge-offs | 92,075.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 6,319.2500% | 7 |
| Efficiency ratio | 41.4966% | 5,253 |
| Assets per employee ($millions) | 27.1734% | 35 |
| Cash dividends to net income (ytd only)* | 15.8299% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 2,821 |
| Loan loss allowance to noncurrent loans | 3,133.7766% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 4,657 |
| Noncurrent loans to loans | 0.0368% | 4,603 |
| Net loans and leases to total assets | 54.7324% | 4,230 |
| Net loans and leases to deposits | 102.0122% | 592 |
| Net loans and leases to core deposits | 108.7984% | 1,065 |
| Total domestic deposits to total assets | 53.6528% | 5,353 |
| Equity capital to assets | 11.6109% | 2,170 |
| Core capital (leverage) ratio | 10.9206% | 2,603 |
| Tier 1 risk-based capital ratio | 16.2919% | 2,313 |
| Total risk-based capital ratio | 17.2310% | 2,353 |
| Memoranda: | ||
| Average total assets | $1,844,626,000 | 446 |
| Average earning assets | $1,726,788,800 | 438 |
| Average equity | $207,731,200 | 439 |
| Average total loans | $918,403,600 | 598 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2244% | 5,182 |
| Cost of funding earning assets | 0.9491% | 753 |
| Net interest margin | 2.2753% | 5,358 |
| Noninterest income to average assets | 0.2574% | 4,434 |
| Noninterest expense to average assets | 0.9583% | 5,430 |
| Loan and lease loss provision to assets | 0.1927% | 917 |
| Net operating income to assets | 0.9838% | 3,165 |
| Return on assets (ROA) | 0.8925% | 3,573 |
| Pretax return on assets | 1.1252% | 3,294 |
| Return on Equity (ROE) | 7.9877% | 3,556 |
| Retained earnings to average equity (ytd only) | 6.7866% | 2,244 |
| Net charge-offs to loans | 0.0025% | 3,391 |
| Credit loss provision to net charge-offs | 15,676.4706% | 21 |
| Earnings coverage of net charge-offs (x) | 1,165.8584% | 67 |
| Efficiency ratio | 40.0665% | 5,330 |
| Assets per employee ($millions) | 27.7022% | 36 |
| Cash dividends to net income (ytd only)* | 15.0368% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 3,011 |
| Loan loss allowance to noncurrent loans | 1,562.9360% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 4,708 |
| Noncurrent loans to loans | 0.0725% | 4,551 |
| Net loans and leases to total assets | 51.3197% | 4,507 |
| Net loans and leases to deposits | 73.8430% | 3,606 |
| Net loans and leases to core deposits | 77.7601% | 3,677 |
| Total domestic deposits to total assets | 69.4984% | 5,239 |
| Equity capital to assets | 11.4712% | 2,282 |
| Core capital (leverage) ratio | 10.6578% | 2,925 |
| Tier 1 risk-based capital ratio | 17.1493% | 2,044 |
| Total risk-based capital ratio | 18.0735% | 2,113 |
| Memoranda: | ||
| Average total assets | $1,843,835,000 | 444 |
| Average earning assets | $1,729,575,000 | 434 |
| Average equity | $206,027,750 | 439 |
| Average total loans | $892,223,750 | 614 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1006% | 5,287 |
| Cost of funding earning assets | 0.9234% | 658 |
| Net interest margin | 2.1772% | 5,445 |
| Noninterest income to average assets | 0.2446% | 4,542 |
| Noninterest expense to average assets | 0.9272% | 5,499 |
| Loan and lease loss provision to assets | 0.2621% | 583 |
| Net operating income to assets | 0.9193% | 3,379 |
| Return on assets (ROA) | 0.7741% | 3,948 |
| Pretax return on assets | 0.9230% | 3,897 |
| Return on Equity (ROE) | 6.9895% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.7805% | 2,683 |
| Net charge-offs to loans | -0.0060% | 4,152 |
| Credit loss provision to net charge-offs | -9,319.2308% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.5756% | 5,386 |
| Assets per employee ($millions) | 30.7549% | 33 |
| Cash dividends to net income (ytd only)* | 17.2978% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 3,105 |
| Loan loss allowance to noncurrent loans | 1,702.0968% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0468% | 4,792 |
| Noncurrent loans to loans | 0.0663% | 4,627 |
| Net loans and leases to total assets | 49.2834% | 4,646 |
| Net loans and leases to deposits | 75.2294% | 3,424 |
| Net loans and leases to core deposits | 79.1807% | 3,484 |
| Total domestic deposits to total assets | 65.5108% | 5,394 |
| Equity capital to assets | 10.9549% | 2,676 |
| Core capital (leverage) ratio | 10.6113% | 2,913 |
| Tier 1 risk-based capital ratio | 16.9752% | 2,110 |
| Total risk-based capital ratio | 17.8985% | 2,160 |
| Memoranda: | ||
| Average total assets | $1,848,999,330 | 438 |
| Average earning assets | $1,732,936,670 | 430 |
| Average equity | $204,793,000 | 441 |
| Average total loans | $873,281,000 | 628 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9767% | 5,388 |
| Cost of funding earning assets | 0.8583% | 737 |
| Net interest margin | 2.1184% | 5,522 |
| Noninterest income to average assets | 0.4032% | 3,446 |
| Noninterest expense to average assets | 0.8621% | 5,574 |
| Loan and lease loss provision to assets | 0.3241% | 385 |
| Net operating income to assets | 0.9329% | 3,144 |
| Return on assets (ROA) | 0.9329% | 3,164 |
| Pretax return on assets | 1.2030% | 2,737 |
| Return on Equity (ROE) | 8.3765% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.1653% | 2,203 |
| Net charge-offs to loans | -0.0180% | 4,502 |
| Credit loss provision to net charge-offs | -3,913.1579% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0850% | 5,513 |
| Assets per employee ($millions) | 33.1941% | 32 |
| Cash dividends to net income (ytd only)* | 14.4592% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 3,388 |
| Loan loss allowance to noncurrent loans | 1,806.5666% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 4,860 |
| Noncurrent loans to loans | 0.0609% | 4,706 |
| Net loans and leases to total assets | 46.6014% | 4,766 |
| Net loans and leases to deposits | 74.3520% | 3,379 |
| Net loans and leases to core deposits | 77.8670% | 3,501 |
| Total domestic deposits to total assets | 62.6767% | 5,500 |
| Equity capital to assets | 10.9835% | 2,601 |
| Core capital (leverage) ratio | 10.8716% | 2,566 |
| Tier 1 risk-based capital ratio | 18.2592% | 1,757 |
| Total risk-based capital ratio | 19.1539% | 1,812 |
| Memoranda: | ||
| Average total assets | $1,835,475,000 | 444 |
| Average earning assets | $1,720,700,000 | 437 |
| Average equity | $204,429,500 | 446 |
| Average total loans | $842,355,000 | 649 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8292% | 5,448 |
| Cost of funding earning assets | 0.5532% | 1,928 |
| Net interest margin | 2.2760% | 5,513 |
| Noninterest income to average assets | 0.1235% | 5,328 |
| Noninterest expense to average assets | 0.8541% | 5,630 |
| Loan and lease loss provision to assets | 0.2258% | 870 |
| Net operating income to assets | 1.0371% | 2,103 |
| Return on assets (ROA) | 1.0249% | 2,169 |
| Pretax return on assets | 1.1680% | 2,905 |
| Return on Equity (ROE) | 9.0460% | 2,293 |
| Retained earnings to average equity (ytd only) | 6.8702% | 1,131 |
| Net charge-offs to loans | 0.0375% | 3,043 |
| Credit loss provision to net charge-offs | 1,576.0956% | 252 |
| Earnings coverage of net charge-offs (x) | 98.2629% | 654 |
| Efficiency ratio | 37.7627% | 5,562 |
| Assets per employee ($millions) | 32.9469% | 31 |
| Cash dividends to net income (ytd only)* | 24.0519% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 3,931 |
| Loan loss allowance to noncurrent loans | 165.9635% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.2923% | 3,715 |
| Noncurrent loans to loans | 0.6037% | 2,722 |
| Net loans and leases to total assets | 44.1877% | 4,968 |
| Net loans and leases to deposits | 73.0982% | 3,588 |
| Net loans and leases to core deposits | 77.0929% | 3,660 |
| Total domestic deposits to total assets | 60.4499% | 5,582 |
| Equity capital to assets | 11.2958% | 2,368 |
| Core capital (leverage) ratio | 10.5145% | 2,834 |
| Tier 1 risk-based capital ratio | 19.4781% | 1,416 |
| Total risk-based capital ratio | 20.2962% | 1,459 |
| Memoranda: | ||
| Average total assets | $1,752,117,400 | 451 |
| Average earning assets | $1,646,147,400 | 443 |
| Average equity | $198,508,600 | 440 |
| Average total loans | $669,772,000 | 779 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7783% | 5,527 |
| Cost of funding earning assets | 0.4961% | 2,297 |
| Net interest margin | 2.2822% | 5,580 |
| Noninterest income to average assets | 0.0851% | 5,520 |
| Noninterest expense to average assets | 0.8574% | 5,696 |
| Loan and lease loss provision to assets | 0.1517% | 1,370 |
| Net operating income to assets | 0.8677% | 3,187 |
| Return on assets (ROA) | 0.8544% | 3,303 |
| Pretax return on assets | 1.2034% | 2,893 |
| Return on Equity (ROE) | 7.5356% | 3,374 |
| Retained earnings to average equity (ytd only) | 5.0309% | 2,870 |
| Net charge-offs to loans | 0.0781% | 2,024 |
| Credit loss provision to net charge-offs | 531.4516% | 597 |
| Earnings coverage of net charge-offs (x) | 48.1180% | 1,141 |
| Efficiency ratio | 38.4266% | 5,613 |
| Assets per employee ($millions) | 32.8174% | 31 |
| Cash dividends to net income (ytd only)* | 33.2375% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 4,861 |
| Loan loss allowance to noncurrent loans | 663.4254% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 4,974 |
| Noncurrent loans to loans | 0.1224% | 4,571 |
| Net loans and leases to total assets | 41.3907% | 5,139 |
| Net loans and leases to deposits | 57.8904% | 4,765 |
| Net loans and leases to core deposits | 62.1029% | 4,705 |
| Total domestic deposits to total assets | 71.4984% | 5,411 |
| Equity capital to assets | 11.3473% | 2,522 |
| Core capital (leverage) ratio | 10.4159% | 3,071 |
| Tier 1 risk-based capital ratio | 20.7783% | 1,237 |
| Total risk-based capital ratio | 21.4494% | 1,294 |
| Memoranda: | ||
| Average total assets | $1,737,126,250 | 459 |
| Average earning assets | $1,633,563,250 | 447 |
| Average equity | $196,963,250 | 443 |
| Average total loans | $635,009,500 | 828 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7493% | 5,579 |
| Cost of funding earning assets | 0.4968% | 2,184 |
| Net interest margin | 2.2525% | 5,630 |
| Noninterest income to average assets | 0.0979% | 5,523 |
| Noninterest expense to average assets | 0.8848% | 5,750 |
| Loan and lease loss provision to assets | 0.1700% | 1,150 |
| Net operating income to assets | 0.8544% | 3,139 |
| Return on assets (ROA) | 0.8335% | 3,284 |
| Pretax return on assets | 1.1307% | 3,051 |
| Return on Equity (ROE) | 7.3532% | 3,368 |
| Retained earnings to average equity (ytd only) | 4.7968% | 2,853 |
| Net charge-offs to loans | 0.0780% | 1,842 |
| Credit loss provision to net charge-offs | 626.9231% | 543 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 1,091 |
| Efficiency ratio | 39.9654% | 5,630 |
| Assets per employee ($millions) | 35.4335% | 30 |
| Cash dividends to net income (ytd only)* | 34.7657% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8221% | 4,888 |
| Loan loss allowance to noncurrent loans | 454.9273% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.0776% | 4,889 |
| Noncurrent loans to loans | 0.1807% | 4,395 |
| Net loans and leases to total assets | 39.1337% | 5,250 |
| Net loans and leases to deposits | 55.2869% | 4,890 |
| Net loans and leases to core deposits | 59.5634% | 4,840 |
| Total domestic deposits to total assets | 70.7830% | 5,513 |
| Equity capital to assets | 11.4256% | 2,392 |
| Core capital (leverage) ratio | 10.4352% | 2,991 |
| Tier 1 risk-based capital ratio | 21.5977% | 1,101 |
| Total risk-based capital ratio | 22.2663% | 1,155 |
| Memoranda: | ||
| Average total assets | $1,725,454,670 | 465 |
| Average earning assets | $1,620,751,670 | 454 |
| Average equity | $195,587,330 | 447 |
| Average total loans | $600,177,670 | 878 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6346% | 5,672 |
| Cost of funding earning assets | 0.4692% | 2,352 |
| Net interest margin | 2.1654% | 5,716 |
| Noninterest income to average assets | 0.2128% | 4,995 |
| Noninterest expense to average assets | 0.9265% | 5,815 |
| Loan and lease loss provision to assets | 0.0372% | 3,056 |
| Net operating income to assets | 0.8588% | 2,951 |
| Return on assets (ROA) | 0.8588% | 3,000 |
| Pretax return on assets | 1.2820% | 2,295 |
| Return on Equity (ROE) | 7.6069% | 3,111 |
| Retained earnings to average equity (ytd only) | 4.9291% | 2,929 |
| Net charge-offs to loans | 0.0818% | 1,528 |
| Credit loss provision to net charge-offs | 140.3509% | 1,260 |
| Earnings coverage of net charge-offs (x) | 49.7632% | 897 |
| Efficiency ratio | 41.2550% | 5,663 |
| Assets per employee ($millions) | 32.4683% | 32 |
| Cash dividends to net income (ytd only)* | 35.2017% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8040% | 5,052 |
| Loan loss allowance to noncurrent loans | 116.8507% | 3,330 |
| Noncurrent assets plus other real estate owned to assets | 0.2329% | 4,289 |
| Noncurrent loans to loans | 0.6881% | 2,781 |
| Net loans and leases to total assets | 31.8696% | 5,543 |
| Net loans and leases to deposits | 48.4166% | 5,199 |
| Net loans and leases to core deposits | 53.0652% | 5,102 |
| Total domestic deposits to total assets | 65.8238% | 5,717 |
| Equity capital to assets | 11.3964% | 2,261 |
| Core capital (leverage) ratio | 10.3359% | 3,075 |
| Tier 1 risk-based capital ratio | 23.9280% | 875 |
| Total risk-based capital ratio | 24.5254% | 928 |
| Memoranda: | ||
| Average total assets | $1,720,061,500 | 469 |
| Average earning assets | $1,614,834,000 | 455 |
| Average equity | $194,193,000 | 450 |
| Average total loans | $557,723,000 | 922 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4499% | 5,773 |
| Cost of funding earning assets | 0.4521% | 2,522 |
| Net interest margin | 1.9978% | 5,808 |
| Noninterest income to average assets | -0.1278% | 5,894 |
| Noninterest expense to average assets | 0.9000% | 5,871 |
| Loan and lease loss provision to assets | 0.0961% | 2,445 |
| Net operating income to assets | 0.4976% | 4,644 |
| Return on assets (ROA) | 0.5142% | 4,657 |
| Pretax return on assets | 0.7734% | 4,259 |
| Return on Equity (ROE) | 4.7266% | 4,553 |
| Retained earnings to average equity (ytd only) | 2.0428% | 4,380 |
| Net charge-offs to loans | 0.1075% | 2,196 |
| Credit loss provision to net charge-offs | 315.2855% | 942 |
| Earnings coverage of net charge-offs (x) | 27.6943% | 1,504 |
| Efficiency ratio | 51.5965% | 5,407 |
| Assets per employee ($millions) | 31.8390% | 32 |
| Cash dividends to net income (ytd only)* | 56.7810% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7819% | 5,155 |
| Loan loss allowance to noncurrent loans | 318.3068% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 5,015 |
| Noncurrent loans to loans | 0.2457% | 4,273 |
| Net loans and leases to total assets | 32.4657% | 5,584 |
| Net loans and leases to deposits | 47.9305% | 5,304 |
| Net loans and leases to core deposits | 52.6118% | 5,196 |
| Total domestic deposits to total assets | 67.7349% | 5,724 |
| Equity capital to assets | 11.1833% | 2,439 |
| Core capital (leverage) ratio | 9.3642% | 4,266 |
| Tier 1 risk-based capital ratio | 22.6916% | 998 |
| Total risk-based capital ratio | 23.2494% | 1,057 |
| Memoranda: | ||
| Average total assets | $1,781,076,000 | 436 |
| Average earning assets | $1,669,053,600 | 428 |
| Average equity | $193,754,800 | 440 |
| Average total loans | $505,191,800 | 965 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4385% | 5,839 |
| Cost of funding earning assets | 0.4586% | 2,472 |
| Net interest margin | 1.9799% | 5,874 |
| Noninterest income to average assets | -0.3841% | 5,975 |
| Noninterest expense to average assets | 0.9137% | 5,936 |
| Loan and lease loss provision to assets | -0.0209% | 5,670 |
| Net operating income to assets | 0.3819% | 5,084 |
| Return on assets (ROA) | 0.4038% | 5,103 |
| Pretax return on assets | 0.6104% | 4,848 |
| Return on Equity (ROE) | 3.7370% | 5,013 |
| Retained earnings to average equity (ytd only) | 1.0584% | 5,071 |
| Net charge-offs to loans | 0.1029% | 1,916 |
| Credit loss provision to net charge-offs | -74.1425% | 4,722 |
| Earnings coverage of net charge-offs (x) | 19.7784% | 1,915 |
| Efficiency ratio | 62.1548% | 4,201 |
| Assets per employee ($millions) | 34.2628% | 31 |
| Cash dividends to net income (ytd only)* | 71.6780% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5315% | 5,699 |
| Loan loss allowance to noncurrent loans | 168.1937% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 5,110 |
| Noncurrent loans to loans | 0.3160% | 4,120 |
| Net loans and leases to total assets | 25.5223% | 5,804 |
| Net loans and leases to deposits | 30.1060% | 5,811 |
| Net loans and leases to core deposits | 32.1972% | 5,801 |
| Total domestic deposits to total assets | 84.7748% | 2,902 |
| Equity capital to assets | 10.4543% | 3,612 |
| Core capital (leverage) ratio | 9.2131% | 4,569 |
| Tier 1 risk-based capital ratio | 23.7112% | 926 |
| Total risk-based capital ratio | 24.0553% | 1,015 |
| Memoranda: | ||
| Average total assets | $1,796,518,750 | 430 |
| Average earning assets | $1,682,358,500 | 424 |
| Average equity | $194,124,750 | 442 |
| Average total loans | $490,844,000 | 993 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5181% | 5,897 |
| Cost of funding earning assets | 0.5019% | 2,088 |
| Net interest margin | 2.0163% | 5,954 |
| Noninterest income to average assets | -0.5789% | 6,052 |
| Noninterest expense to average assets | 0.9529% | 6,012 |
| Loan and lease loss provision to assets | -0.0103% | 5,768 |
| Net operating income to assets | 0.2338% | 5,462 |
| Return on assets (ROA) | 0.2338% | 5,526 |
| Pretax return on assets | 0.3608% | 5,403 |
| Return on Equity (ROE) | 2.1391% | 5,478 |
| Retained earnings to average equity (ytd only) | -0.5529% | 5,376 |
| Net charge-offs to loans | 0.1237% | 1,603 |
| Credit loss provision to net charge-offs | -29.8361% | 4,494 |
| Earnings coverage of net charge-offs (x) | 10.1541% | 2,351 |
| Efficiency ratio | 73.1093% | 2,498 |
| Assets per employee ($millions) | 32.4892% | 31 |
| Cash dividends to net income (ytd only)* | 125.8470% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5699% | 5,717 |
| Loan loss allowance to noncurrent loans | 182.3681% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 5,161 |
| Noncurrent loans to loans | 0.3125% | 4,243 |
| Net loans and leases to total assets | 27.6713% | 5,832 |
| Net loans and leases to deposits | 35.7466% | 5,795 |
| Net loans and leases to core deposits | 38.4660% | 5,780 |
| Total domestic deposits to total assets | 77.4097% | 5,093 |
| Equity capital to assets | 10.9404% | 3,120 |
| Core capital (leverage) ratio | 9.3407% | 4,406 |
| Tier 1 risk-based capital ratio | 23.5653% | 956 |
| Total risk-based capital ratio | 23.9501% | 1,033 |
| Memoranda: | ||
| Average total assets | $1,767,206,670 | 436 |
| Average earning assets | $1,649,793,000 | 431 |
| Average equity | $193,164,000 | 445 |
| Average total loans | $493,283,330 | 992 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5348% | 5,956 |
| Cost of funding earning assets | 0.5163% | 1,974 |
| Net interest margin | 2.0185% | 6,009 |
| Noninterest income to average assets | -0.1218% | 6,102 |
| Noninterest expense to average assets | 0.9416% | 6,079 |
| Loan and lease loss provision to assets | 0.0817% | 2,315 |
| Net operating income to assets | 0.4602% | 4,780 |
| Return on assets (ROA) | 0.4602% | 4,865 |
| Pretax return on assets | 0.7306% | 4,415 |
| Return on Equity (ROE) | 4.2125% | 4,811 |
| Retained earnings to average equity (ytd only) | 1.5042% | 4,670 |
| Net charge-offs to loans | 0.1694% | 1,127 |
| Credit loss provision to net charge-offs | 172.5962% | 1,187 |
| Earnings coverage of net charge-offs (x) | 17.1587% | 1,588 |
| Efficiency ratio | 53.6854% | 5,412 |
| Assets per employee ($millions) | 34.5695% | 30 |
| Cash dividends to net income (ytd only)* | 64.2928% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6851% | 5,619 |
| Loan loss allowance to noncurrent loans | 255.9425% | 1,838 |
| Noncurrent assets plus other real estate owned to assets | 0.0780% | 5,262 |
| Noncurrent loans to loans | 0.2677% | 4,477 |
| Net loans and leases to total assets | 26.7507% | 5,904 |
| Net loans and leases to deposits | 39.1937% | 5,739 |
| Net loans and leases to core deposits | 41.9355% | 5,714 |
| Total domestic deposits to total assets | 68.2526% | 5,920 |
| Equity capital to assets | 10.6445% | 3,318 |
| Core capital (leverage) ratio | 9.7147% | 3,891 |
| Tier 1 risk-based capital ratio | 22.7715% | 1,041 |
| Total risk-based capital ratio | 23.2232% | 1,140 |
| Memoranda: | ||
| Average total assets | $1,757,356,000 | 440 |
| Average earning assets | $1,633,081,000 | 432 |
| Average equity | $191,999,000 | 444 |
| Average total loans | $491,277,500 | 991 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4548% | 6,012 |
| Cost of funding earning assets | 0.4289% | 2,859 |
| Net interest margin | 2.0259% | 6,047 |
| Noninterest income to average assets | 0.0887% | 5,908 |
| Noninterest expense to average assets | 1.0925% | 6,107 |
| Loan and lease loss provision to assets | 0.0802% | 2,679 |
| Net operating income to assets | 0.4908% | 4,729 |
| Return on assets (ROA) | 0.4787% | 4,859 |
| Pretax return on assets | 0.7866% | 4,230 |
| Return on Equity (ROE) | 3.9863% | 4,952 |
| Retained earnings to average equity (ytd only) | 1.2567% | 5,000 |
| Net charge-offs to loans | 0.1222% | 2,150 |
| Credit loss provision to net charge-offs | 195.9938% | 1,420 |
| Earnings coverage of net charge-offs (x) | 21.6533% | 1,804 |
| Efficiency ratio | 55.2253% | 5,418 |
| Assets per employee ($millions) | 31.1580% | 31 |
| Cash dividends to net income (ytd only)* | 68.4751% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6605% | 5,710 |
| Loan loss allowance to noncurrent loans | 213.4831% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.0964% | 5,233 |
| Noncurrent loans to loans | 0.3094% | 4,348 |
| Net loans and leases to total assets | 28.8745% | 5,921 |
| Net loans and leases to deposits | 53.0590% | 5,215 |
| Net loans and leases to core deposits | 58.0455% | 5,097 |
| Total domestic deposits to total assets | 54.4196% | 6,118 |
| Equity capital to assets | 11.2314% | 2,613 |
| Core capital (leverage) ratio | 10.8882% | 2,506 |
| Tier 1 risk-based capital ratio | 25.9860% | 742 |
| Total risk-based capital ratio | 26.4672% | 785 |
| Memoranda: | ||
| Average total assets | $1,586,500,800 | 447 |
| Average earning assets | $1,479,742,600 | 437 |
| Average equity | $190,500,600 | 432 |
| Average total loans | $530,910,600 | 884 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4833% | 6,094 |
| Cost of funding earning assets | 0.4146% | 3,073 |
| Net interest margin | 2.0687% | 6,119 |
| Noninterest income to average assets | -0.0579% | 6,222 |
| Noninterest expense to average assets | 1.0475% | 6,204 |
| Loan and lease loss provision to assets | 0.0683% | 2,813 |
| Net operating income to assets | 0.4550% | 4,955 |
| Return on assets (ROA) | 0.4385% | 5,110 |
| Pretax return on assets | 0.7322% | 4,561 |
| Return on Equity (ROE) | 3.5895% | 5,188 |
| Retained earnings to average equity (ytd only) | 0.8654% | 5,358 |
| Net charge-offs to loans | 0.1234% | 1,890 |
| Credit loss provision to net charge-offs | 159.6806% | 1,602 |
| Earnings coverage of net charge-offs (x) | 19.3254% | 1,948 |
| Efficiency ratio | 55.9067% | 5,365 |
| Assets per employee ($millions) | 26.9458% | 36 |
| Cash dividends to net income (ytd only)* | 75.8902% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6723% | 5,785 |
| Loan loss allowance to noncurrent loans | 185.5683% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 5,289 |
| Noncurrent loans to loans | 0.3623% | 4,311 |
| Net loans and leases to total assets | 29.5071% | 5,991 |
| Net loans and leases to deposits | 38.6804% | 5,908 |
| Net loans and leases to core deposits | 40.4922% | 5,905 |
| Total domestic deposits to total assets | 76.2843% | 5,445 |
| Equity capital to assets | 13.2539% | 1,328 |
| Core capital (leverage) ratio | 11.2810% | 2,213 |
| Tier 1 risk-based capital ratio | 30.5536% | 494 |
| Total risk-based capital ratio | 31.0677% | 527 |
| Memoranda: | ||
| Average total assets | $1,562,493,250 | 458 |
| Average earning assets | $1,458,922,750 | 447 |
| Average equity | $190,883,000 | 435 |
| Average total loans | $541,375,250 | 873 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4314% | 6,186 |
| Cost of funding earning assets | 0.4002% | 3,277 |
| Net interest margin | 2.0312% | 6,205 |
| Noninterest income to average assets | 0.0784% | 6,097 |
| Noninterest expense to average assets | 1.0341% | 6,285 |
| Loan and lease loss provision to assets | 0.0490% | 3,138 |
| Net operating income to assets | 0.5286% | 4,656 |
| Return on assets (ROA) | 0.5053% | 4,855 |
| Pretax return on assets | 0.8546% | 4,111 |
| Return on Equity (ROE) | 4.2398% | 4,931 |
| Retained earnings to average equity (ytd only) | 1.5112% | 4,945 |
| Net charge-offs to loans | 0.1000% | 2,012 |
| Credit loss provision to net charge-offs | 135.6401% | 1,648 |
| Earnings coverage of net charge-offs (x) | 26.0035% | 1,498 |
| Efficiency ratio | 52.3825% | 5,682 |
| Assets per employee ($millions) | 27.8445% | 35 |
| Cash dividends to net income (ytd only)* | 64.3564% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4260% | 6,150 |
| Loan loss allowance to noncurrent loans | 207.1865% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1028% | 5,459 |
| Noncurrent loans to loans | 0.2056% | 4,946 |
| Net loans and leases to total assets | 40.6274% | 5,594 |
| Net loans and leases to deposits | 53.8874% | 5,261 |
| Net loans and leases to core deposits | 56.3165% | 5,292 |
| Total domestic deposits to total assets | 75.3932% | 5,663 |
| Equity capital to assets | 12.2331% | 1,849 |
| Core capital (leverage) ratio | 10.5196% | 2,930 |
| Tier 1 risk-based capital ratio | 27.7237% | 659 |
| Total risk-based capital ratio | 28.1627% | 700 |
| Memoranda: | ||
| Average total assets | $1,598,894,330 | 453 |
| Average earning assets | $1,492,228,330 | 443 |
| Average equity | $190,575,000 | 437 |
| Average total loans | $577,748,670 | 810 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4223% | 6,253 |
| Cost of funding earning assets | 0.4022% | 3,279 |
| Net interest margin | 2.0201% | 6,267 |
| Noninterest income to average assets | 0.0672% | 6,183 |
| Noninterest expense to average assets | 1.0754% | 6,352 |
| Loan and lease loss provision to assets | 0.0988% | 2,047 |
| Net operating income to assets | 0.4639% | 4,817 |
| Return on assets (ROA) | 0.4179% | 5,125 |
| Pretax return on assets | 0.7038% | 4,577 |
| Return on Equity (ROE) | 3.5509% | 5,161 |
| Retained earnings to average equity (ytd only) | 0.8210% | 5,130 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1514% | 5,583 |
| Assets per employee ($millions) | 29.3983% | 35 |
| Cash dividends to net income (ytd only)* | 76.8776% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5220% | 6,153 |
| Loan loss allowance to noncurrent loans | 57.6717% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 4,549 |
| Noncurrent loans to loans | 0.9051% | 2,975 |
| Net loans and leases to total assets | 35.4430% | 5,851 |
| Net loans and leases to deposits | 49.3297% | 5,501 |
| Net loans and leases to core deposits | 50.9776% | 5,544 |
| Total domestic deposits to total assets | 71.8493% | 6,042 |
| Equity capital to assets | 11.8988% | 2,107 |
| Core capital (leverage) ratio | 9.5857% | 4,164 |
| Tier 1 risk-based capital ratio | 29.6537% | 556 |
| Total risk-based capital ratio | 30.1814% | 585 |
| Memoranda: | ||
| Average total assets | $1,618,696,000 | 448 |
| Average earning assets | $1,508,673,000 | 435 |
| Average equity | $190,488,000 | 438 |
| Average total loans | $548,518,000 | 857 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2854% | 6,384 |
| Cost of funding earning assets | 0.4549% | 3,123 |
| Net interest margin | 1.8305% | 6,402 |
| Noninterest income to average assets | 0.4619% | 3,762 |
| Noninterest expense to average assets | 0.8467% | 6,463 |
| Loan and lease loss provision to assets | -0.0020% | 5,886 |
| Net operating income to assets | 0.7845% | 3,448 |
| Return on assets (ROA) | 0.7845% | 3,539 |
| Pretax return on assets | 1.3077% | 2,215 |
| Return on Equity (ROE) | 7.7263% | 3,258 |
| Retained earnings to average equity (ytd only) | 4.9072% | 2,675 |
| Net charge-offs to loans | 0.0915% | 3,190 |
| Credit loss provision to net charge-offs | -7.2052% | 5,304 |
| Earnings coverage of net charge-offs (x) | 47.5197% | 966 |
| Efficiency ratio | 39.3372% | 6,408 |
| Assets per employee ($millions) | 26.1368% | 38 |
| Cash dividends to net income (ytd only)* | 36.4867% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5004% | 6,258 |
| Loan loss allowance to noncurrent loans | 50.2700% | 5,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 4,586 |
| Noncurrent loans to loans | 0.9955% | 2,837 |
| Net loans and leases to total assets | 31.9868% | 6,114 |
| Net loans and leases to deposits | 48.7635% | 5,643 |
| Net loans and leases to core deposits | 50.2638% | 5,700 |
| Total domestic deposits to total assets | 65.5958% | 6,336 |
| Equity capital to assets | 11.6375% | 2,311 |
| Core capital (leverage) ratio | 11.1032% | 2,313 |
| Tier 1 risk-based capital ratio | 33.7265% | 378 |
| Total risk-based capital ratio | 34.2181% | 393 |
| Memoranda: | ||
| Average total assets | $1,666,822,400 | 427 |
| Average earning assets | $1,539,325,400 | 417 |
| Average equity | $169,239,400 | 469 |
| Average total loans | $500,443,400 | 893 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2391% | 6,475 |
| Cost of funding earning assets | 0.4660% | 3,090 |
| Net interest margin | 1.7731% | 6,486 |
| Noninterest income to average assets | 0.5465% | 3,221 |
| Noninterest expense to average assets | 0.7809% | 6,555 |
| Loan and lease loss provision to assets | 0.1085% | 2,227 |
| Net operating income to assets | 0.7742% | 3,539 |
| Return on assets (ROA) | 0.7742% | 3,648 |
| Pretax return on assets | 1.2903% | 2,412 |
| Return on Equity (ROE) | 7.9039% | 3,261 |
| Retained earnings to average equity (ytd only) | 5.0890% | 3,032 |
| Net charge-offs to loans | 0.1155% | 2,645 |
| Credit loss provision to net charge-offs | 318.4149% | 876 |
| Earnings coverage of net charge-offs (x) | 41.0463% | 1,109 |
| Efficiency ratio | 35.8249% | 6,508 |
| Assets per employee ($millions) | 30.4772% | 34 |
| Cash dividends to net income (ytd only)* | 35.6146% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 6,078 |
| Loan loss allowance to noncurrent loans | 53.0781% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 4,446 |
| Noncurrent loans to loans | 1.3417% | 2,400 |
| Net loans and leases to total assets | 31.2847% | 6,210 |
| Net loans and leases to deposits | 45.3938% | 5,910 |
| Net loans and leases to core deposits | 46.6259% | 5,936 |
| Total domestic deposits to total assets | 68.9185% | 6,316 |
| Equity capital to assets | 10.3748% | 3,706 |
| Core capital (leverage) ratio | 9.8747% | 3,844 |
| Tier 1 risk-based capital ratio | 31.6201% | 453 |
| Total risk-based capital ratio | 32.3427% | 472 |
| Memoranda: | ||
| Average total assets | $1,678,407,000 | 422 |
| Average earning assets | $1,546,068,500 | 415 |
| Average equity | $164,403,250 | 472 |
| Average total loans | $495,317,250 | 908 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1797% | 6,552 |
| Cost of funding earning assets | 0.4933% | 2,899 |
| Net interest margin | 1.6865% | 6,565 |
| Noninterest income to average assets | 0.6019% | 2,808 |
| Noninterest expense to average assets | 0.7817% | 6,619 |
| Loan and lease loss provision to assets | 0.1667% | 1,468 |
| Net operating income to assets | 0.7181% | 3,736 |
| Return on assets (ROA) | 0.7181% | 3,835 |
| Pretax return on assets | 1.1972% | 2,676 |
| Return on Equity (ROE) | 7.4933% | 3,372 |
| Retained earnings to average equity (ytd only) | 4.7281% | 3,129 |
| Net charge-offs to loans | 0.1493% | 2,194 |
| Credit loss provision to net charge-offs | 388.0682% | 711 |
| Earnings coverage of net charge-offs (x) | 31.7443% | 1,206 |
| Efficiency ratio | 36.4319% | 6,574 |
| Assets per employee ($millions) | 31.4821% | 34 |
| Cash dividends to net income (ytd only)* | 36.9029% | 2,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 5,865 |
| Loan loss allowance to noncurrent loans | 50.5906% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5225% | 4,435 |
| Noncurrent loans to loans | 1.6876% | 2,057 |
| Net loans and leases to total assets | 27.5782% | 6,380 |
| Net loans and leases to deposits | 40.2013% | 6,146 |
| Net loans and leases to core deposits | 41.2985% | 6,179 |
| Total domestic deposits to total assets | 68.6001% | 6,403 |
| Equity capital to assets | 9.5698% | 4,666 |
| Core capital (leverage) ratio | 9.0362% | 4,964 |
| Tier 1 risk-based capital ratio | 30.1817% | 512 |
| Total risk-based capital ratio | 30.9796% | 526 |
| Memoranda: | ||
| Average total assets | $1,638,491,670 | 428 |
| Average earning assets | $1,499,823,330 | 425 |
| Average equity | $157,019,670 | 479 |
| Average total loans | $471,562,330 | 940 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1858% | 6,624 |
| Cost of funding earning assets | 0.5071% | 2,826 |
| Net interest margin | 1.6787% | 6,639 |
| Noninterest income to average assets | 0.5734% | 2,895 |
| Noninterest expense to average assets | 0.7905% | 6,701 |
| Loan and lease loss provision to assets | 0.0754% | 2,634 |
| Net operating income to assets | 0.7447% | 3,457 |
| Return on assets (ROA) | 0.7447% | 3,539 |
| Pretax return on assets | 1.2412% | 2,312 |
| Return on Equity (ROE) | 7.7654% | 3,059 |
| Retained earnings to average equity (ytd only) | 5.4965% | 2,791 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5149% | 6,625 |
| Assets per employee ($millions) | 31.9142% | 36 |
| Cash dividends to net income (ytd only)* | 29.2173% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7396% | 6,211 |
| Loan loss allowance to noncurrent loans | 31.1429% | 5,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7250% | 3,947 |
| Noncurrent loans to loans | 2.3748% | 1,479 |
| Net loans and leases to total assets | 28.0193% | 6,414 |
| Net loans and leases to deposits | 44.1354% | 5,969 |
| Net loans and leases to core deposits | 45.5535% | 6,015 |
| Total domestic deposits to total assets | 63.4850% | 6,594 |
| Equity capital to assets | 9.4449% | 4,570 |
| Core capital (leverage) ratio | 8.8699% | 5,173 |
| Tier 1 risk-based capital ratio | 30.7350% | 493 |
| Total risk-based capital ratio | 31.4630% | 512 |
| Memoranda: | ||
| Average total assets | $1,591,980,000 | 446 |
| Average earning assets | $1,454,461,000 | 436 |
| Average equity | $152,678,000 | 492 |
| Average total loans | $466,527,500 | 952 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1408% | 6,697 |
| Cost of funding earning assets | 0.4453% | 4,156 |
| Net interest margin | 1.6955% | 6,703 |
| Noninterest income to average assets | 0.4427% | 4,134 |
| Noninterest expense to average assets | 0.6049% | 6,782 |
| Loan and lease loss provision to assets | 0.0181% | 4,767 |
| Net operating income to assets | 0.8169% | 3,208 |
| Return on assets (ROA) | 0.8169% | 3,305 |
| Pretax return on assets | 1.3651% | 1,916 |
| Return on Equity (ROE) | 10.4189% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.4189% | 498 |
| Net charge-offs to loans | 0.0035% | 5,408 |
| Credit loss provision to net charge-offs | 1,171.4286% | 218 |
| Earnings coverage of net charge-offs (x) | 895.9643% | 40 |
| Efficiency ratio | 30.4260% | 6,760 |
| Assets per employee ($millions) | 30.5164% | 35 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6541% | 6,413 |
| Loan loss allowance to noncurrent loans | 31.0141% | 5,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7078% | 4,128 |
| Noncurrent loans to loans | 2.1091% | 1,874 |
| Net loans and leases to total assets | 30.2319% | 6,454 |
| Net loans and leases to deposits | 49.6049% | 5,797 |
| Net loans and leases to core deposits | 51.5347% | 5,833 |
| Total domestic deposits to total assets | 60.9453% | 6,702 |
| Equity capital to assets | 9.7427% | 4,114 |
| Core capital (leverage) ratio | 9.1353% | 4,804 |
| Tier 1 risk-based capital ratio | 30.0793% | 496 |
| Total risk-based capital ratio | 30.7392% | 518 |
| Memoranda: | ||
| Average total assets | $1,813,721,800 | 382 |
| Average earning assets | $1,653,121,800 | 378 |
| Average equity | $142,203,000 | 512 |
| Average total loans | $806,872,200 | 516 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0983% | 6,788 |
| Cost of funding earning assets | 0.4244% | 4,562 |
| Net interest margin | 1.6738% | 6,790 |
| Noninterest income to average assets | 0.3909% | 4,601 |
| Noninterest expense to average assets | 0.5234% | 6,863 |
| Loan and lease loss provision to assets | 0.0020% | 4,916 |
| Net operating income to assets | 0.8326% | 3,177 |
| Return on assets (ROA) | 0.8326% | 3,308 |
| Pretax return on assets | 1.3882% | 1,967 |
| Return on Equity (ROE) | 11.1815% | 1,760 |
| Retained earnings to average equity (ytd only) | 11.1815% | 545 |
| Net charge-offs to loans | 0.0042% | 5,110 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 699.4021% | 75 |
| Efficiency ratio | 27.3530% | 6,848 |
| Assets per employee ($millions) | 64.6638% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4257% | 6,705 |
| Loan loss allowance to noncurrent loans | 31.2731% | 5,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 4,879 |
| Noncurrent loans to loans | 1.3612% | 3,142 |
| Net loans and leases to total assets | 33.7379% | 6,372 |
| Net loans and leases to deposits | 49.5151% | 5,872 |
| Net loans and leases to core deposits | 50.8387% | 5,964 |
| Total domestic deposits to total assets | 68.1366% | 6,661 |
| Equity capital to assets | 7.6571% | 6,326 |
| Core capital (leverage) ratio | 7.1522% | 6,559 |
| Tier 1 risk-based capital ratio | 24.1111% | 986 |
| Total risk-based capital ratio | 24.6000% | 1,068 |
| Memoranda: | ||
| Average total assets | $1,878,067,750 | 374 |
| Average earning assets | $1,708,534,000 | 368 |
| Average equity | $139,846,500 | 526 |
| Average total loans | $890,188,250 | 470 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9381% | 6,849 |
| Cost of funding earning assets | 0.4355% | 4,601 |
| Net interest margin | 1.5027% | 6,856 |
| Noninterest income to average assets | 0.3257% | 5,094 |
| Noninterest expense to average assets | 0.5175% | 6,915 |
| Loan and lease loss provision to assets | 0.0030% | 4,748 |
| Net operating income to assets | 0.7032% | 3,791 |
| Return on assets (ROA) | 0.7032% | 3,962 |
| Pretax return on assets | 1.1728% | 2,795 |
| Return on Equity (ROE) | 9.5379% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.5379% | 956 |
| Net charge-offs to loans | 0.0058% | 4,778 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 126 |
| Efficiency ratio | 30.5609% | 6,876 |
| Assets per employee ($millions) | 67.8244% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2831% | 6,812 |
| Loan loss allowance to noncurrent loans | 32.4782% | 5,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 4,985 |
| Noncurrent loans to loans | 0.8718% | 4,180 |
| Net loans and leases to total assets | 51.8892% | 4,877 |
| Net loans and leases to deposits | 67.4251% | 4,086 |
| Net loans and leases to core deposits | 68.9289% | 4,402 |
| Total domestic deposits to total assets | 76.9582% | 6,131 |
| Equity capital to assets | 7.5481% | 6,422 |
| Core capital (leverage) ratio | 7.0579% | 6,598 |
| Tier 1 risk-based capital ratio | 16.5931% | 2,894 |
| Total risk-based capital ratio | 16.9413% | 3,317 |
| Memoranda: | ||
| Average total assets | $1,857,452,000 | 375 |
| Average earning assets | $1,690,479,670 | 370 |
| Average equity | $136,948,330 | 536 |
| Average total loans | $967,823,000 | 437 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1856% | 6,309 |
| Cost of funding earning assets | 0.4440% | 4,660 |
| Net interest margin | 2.7416% | 6,142 |
| Noninterest income to average assets | -0.7078% | 6,996 |
| Noninterest expense to average assets | 0.5035% | 6,994 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7755% | 3,304 |
| Return on assets (ROA) | 0.7755% | 3,439 |
| Pretax return on assets | 1.2941% | 2,251 |
| Return on Equity (ROE) | 10.6497% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.6497% | 950 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0107% | 6,971 |
| Assets per employee ($millions) | 65.6388% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2866% | 6,894 |
| Loan loss allowance to noncurrent loans | 34.8010% | 5,831 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 5,121 |
| Noncurrent loans to loans | 0.8234% | 4,476 |
| Net loans and leases to total assets | 52.9761% | 4,562 |
| Net loans and leases to deposits | 79.6116% | 2,130 |
| Net loans and leases to core deposits | 81.7025% | 2,614 |
| Total domestic deposits to total assets | 66.5431% | 6,836 |
| Equity capital to assets | 7.3437% | 6,638 |
| Core capital (leverage) ratio | 7.1920% | 6,585 |
| Tier 1 risk-based capital ratio | 16.2408% | 3,132 |
| Total risk-based capital ratio | 16.5861% | 3,584 |
| Memoranda: | ||
| Average total assets | $1,836,636,000 | 381 |
| Average earning assets | $1,678,453,000 | 378 |
| Average equity | $133,750,500 | 553 |
| Average total loans | $957,626,000 | 444 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8551% | 6,837 |
| Cost of funding earning assets | 0.4669% | 5,440 |
| Net interest margin | 2.3882% | 6,789 |
| Noninterest income to average assets | -1.0188% | 7,058 |
| Noninterest expense to average assets | 0.4784% | 7,042 |
| Loan and lease loss provision to assets | 0.1063% | 4,307 |
| Net operating income to assets | 0.3671% | 5,229 |
| Return on assets (ROA) | 0.3588% | 5,482 |
| Pretax return on assets | 0.5987% | 4,999 |
| Return on Equity (ROE) | 4.4498% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.4498% | 3,105 |
| Net charge-offs to loans | 0.0426% | 5,322 |
| Credit loss provision to net charge-offs | 567.5325% | 433 |
| Earnings coverage of net charge-offs (x) | 38.3117% | 839 |
| Efficiency ratio | 39.9919% | 6,926 |
| Assets per employee ($millions) | 65.5495% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2980% | 6,943 |
| Loan loss allowance to noncurrent loans | 86.7328% | 3,708 |
| Noncurrent assets plus other real estate owned to assets | 0.2648% | 5,886 |
| Noncurrent loans to loans | 0.3436% | 5,624 |
| Net loans and leases to total assets | 50.9983% | 5,037 |
| Net loans and leases to deposits | 62.5375% | 4,720 |
| Net loans and leases to core deposits | 63.7700% | 4,984 |
| Total domestic deposits to total assets | 81.5484% | 5,243 |
| Equity capital to assets | 7.2210% | 6,720 |
| Core capital (leverage) ratio | 7.0437% | 6,688 |
| Tier 1 risk-based capital ratio | 15.8585% | 3,237 |
| Total risk-based capital ratio | 16.2034% | 3,698 |
| Memoranda: | ||
| Average total assets | $1,643,862,400 | 414 |
| Average earning assets | $1,524,608,200 | 405 |
| Average equity | $132,567,400 | 543 |
| Average total loans | $723,439,000 | 570 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7277% | 6,990 |
| Cost of funding earning assets | 0.4726% | 5,616 |
| Net interest margin | 2.2551% | 6,963 |
| Noninterest income to average assets | -0.8855% | 7,156 |
| Noninterest expense to average assets | 0.4555% | 7,158 |
| Loan and lease loss provision to assets | 0.1460% | 3,715 |
| Net operating income to assets | 0.3672% | 5,383 |
| Return on assets (ROA) | 0.3560% | 5,619 |
| Pretax return on assets | 0.5943% | 5,186 |
| Return on Equity (ROE) | 4.2852% | 5,158 |
| Retained earnings to average equity (ytd only) | 4.2852% | 3,878 |
| Net charge-offs to loans | 0.0613% | 4,808 |
| Credit loss provision to net charge-offs | 567.5325% | 462 |
| Earnings coverage of net charge-offs (x) | 29.4575% | 1,111 |
| Efficiency ratio | 37.5396% | 7,055 |
| Assets per employee ($millions) | 65.6418% | 28 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2791% | 7,061 |
| Loan loss allowance to noncurrent loans | 61.5622% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3373% | 5,849 |
| Noncurrent loans to loans | 0.4533% | 5,541 |
| Net loans and leases to total assets | 54.3947% | 4,693 |
| Net loans and leases to deposits | 66.4259% | 4,421 |
| Net loans and leases to core deposits | 67.7416% | 4,752 |
| Total domestic deposits to total assets | 81.8878% | 5,060 |
| Equity capital to assets | 7.2772% | 6,825 |
| Core capital (leverage) ratio | 6.9459% | 6,807 |
| Tier 1 risk-based capital ratio | 15.4930% | 3,538 |
| Total risk-based capital ratio | 15.8349% | 4,099 |
| Memoranda: | ||
| Average total assets | $1,595,981,500 | 426 |
| Average earning assets | $1,485,563,000 | 409 |
| Average equity | $132,576,000 | 546 |
| Average total loans | $669,595,250 | 618 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6711% | 7,083 |
| Cost of funding earning assets | 0.4895% | 5,686 |
| Net interest margin | 2.1816% | 7,049 |
| Noninterest income to average assets | -0.6591% | 7,199 |
| Noninterest expense to average assets | 0.4543% | 7,219 |
| Loan and lease loss provision to assets | 0.1807% | 3,292 |
| Net operating income to assets | 0.4490% | 5,042 |
| Return on assets (ROA) | 0.4312% | 5,336 |
| Pretax return on assets | 0.7200% | 4,771 |
| Return on Equity (ROE) | 4.9431% | 4,829 |
| Retained earnings to average equity (ytd only) | 4.9431% | 3,304 |
| Net charge-offs to loans | 0.1103% | 4,081 |
| Credit loss provision to net charge-offs | 444.4805% | 669 |
| Earnings coverage of net charge-offs (x) | 22.8409% | 1,274 |
| Efficiency ratio | 32.8529% | 7,152 |
| Assets per employee ($millions) | 65.3360% | 24 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3285% | 7,108 |
| Loan loss allowance to noncurrent loans | 49.1967% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 5,660 |
| Noncurrent loans to loans | 0.6677% | 5,168 |
| Net loans and leases to total assets | 46.8115% | 5,743 |
| Net loans and leases to deposits | 56.1501% | 5,634 |
| Net loans and leases to core deposits | 57.2921% | 5,832 |
| Total domestic deposits to total assets | 83.3685% | 4,591 |
| Equity capital to assets | 8.4863% | 6,221 |
| Core capital (leverage) ratio | 8.0488% | 6,221 |
| Tier 1 risk-based capital ratio | 19.7301% | 1,778 |
| Total risk-based capital ratio | 20.1100% | 1,984 |
| Memoranda: | ||
| Average total assets | $1,515,319,000 | 441 |
| Average earning assets | $1,418,290,330 | 428 |
| Average equity | $132,184,000 | 544 |
| Average total loans | $558,608,670 | 750 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5561% | 7,165 |
| Cost of funding earning assets | 0.4670% | 6,040 |
| Net interest margin | 2.0891% | 7,133 |
| Noninterest income to average assets | -0.6614% | 7,263 |
| Noninterest expense to average assets | 0.4425% | 7,286 |
| Loan and lease loss provision to assets | 0.1574% | 3,412 |
| Net operating income to assets | 0.4186% | 5,178 |
| Return on assets (ROA) | 0.3823% | 5,517 |
| Pretax return on assets | 0.6383% | 4,978 |
| Return on Equity (ROE) | 4.3206% | 5,130 |
| Retained earnings to average equity (ytd only) | 4.3206% | 3,998 |
| Net charge-offs to loans | 0.1797% | 3,021 |
| Credit loss provision to net charge-offs | 277.7251% | 1,055 |
| Earnings coverage of net charge-offs (x) | 15.0379% | 1,441 |
| Efficiency ratio | 34.1701% | 7,203 |
| Assets per employee ($millions) | 57.2286% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6058% | 6,978 |
| Loan loss allowance to noncurrent loans | 30.3556% | 6,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5641% | 5,472 |
| Noncurrent loans to loans | 1.9957% | 3,173 |
| Net loans and leases to total assets | 19.8736% | 7,144 |
| Net loans and leases to deposits | 26.5301% | 7,117 |
| Net loans and leases to core deposits | 27.1897% | 7,117 |
| Total domestic deposits to total assets | 74.9094% | 6,656 |
| Equity capital to assets | 9.2935% | 5,101 |
| Core capital (leverage) ratio | 8.7304% | 5,250 |
| Tier 1 risk-based capital ratio | 32.5436% | 408 |
| Total risk-based capital ratio | 32.9979% | 437 |
| Memoranda: | ||
| Average total assets | $1,488,946,500 | 450 |
| Average earning assets | $1,394,291,500 | 438 |
| Average equity | $131,740,500 | 545 |
| Average total loans | $469,686,000 | 877 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5485% | 7,250 |
| Cost of funding earning assets | 0.5642% | 6,269 |
| Net interest margin | 1.9843% | 7,223 |
| Noninterest income to average assets | -0.3408% | 7,223 |
| Noninterest expense to average assets | 0.5542% | 7,325 |
| Loan and lease loss provision to assets | 0.0807% | 5,606 |
| Net operating income to assets | 0.5396% | 4,276 |
| Return on assets (ROA) | 0.5562% | 4,392 |
| Pretax return on assets | 0.9285% | 3,521 |
| Return on Equity (ROE) | 5.8978% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.8978% | 2,076 |
| Net charge-offs to loans | 0.0382% | 5,932 |
| Credit loss provision to net charge-offs | 524.2604% | 438 |
| Earnings coverage of net charge-offs (x) | 63.8462% | 465 |
| Efficiency ratio | 36.0441% | 7,254 |
| Assets per employee ($millions) | 73.6751% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2079% | 7,256 |
| Loan loss allowance to noncurrent loans | 36.0978% | 5,833 |
| Noncurrent assets plus other real estate owned to assets | 0.3828% | 6,020 |
| Noncurrent loans to loans | 0.5758% | 5,559 |
| Net loans and leases to total assets | 42.1378% | 6,374 |
| Net loans and leases to deposits | 60.4329% | 5,442 |
| Net loans and leases to core deposits | 62.1800% | 5,635 |
| Total domestic deposits to total assets | 69.7266% | 6,998 |
| Equity capital to assets | 8.4359% | 6,216 |
| Core capital (leverage) ratio | 8.2492% | 5,927 |
| Tier 1 risk-based capital ratio | 23.3719% | 1,054 |
| Total risk-based capital ratio | 23.6210% | 1,159 |
| Memoranda: | ||
| Average total assets | $1,097,279,000 | 595 |
| Average earning assets | $1,038,688,400 | 559 |
| Average equity | $103,479,000 | 665 |
| Average total loans | $442,985,600 | 940 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5499% | 7,338 |
| Cost of funding earning assets | 0.5635% | 6,458 |
| Net interest margin | 1.9864% | 7,299 |
| Noninterest income to average assets | -0.3406% | 7,311 |
| Noninterest expense to average assets | 0.5547% | 7,408 |
| Loan and lease loss provision to assets | 0.0636% | 5,657 |
| Net operating income to assets | 0.5533% | 4,309 |
| Return on assets (ROA) | 0.5870% | 4,327 |
| Pretax return on assets | 0.9797% | 3,477 |
| Return on Equity (ROE) | 5.9773% | 4,028 |
| Retained earnings to average equity (ytd only) | 5.9773% | 2,571 |
| Net charge-offs to loans | 0.0417% | 5,568 |
| Credit loss provision to net charge-offs | 385.2459% | 735 |
| Earnings coverage of net charge-offs (x) | 59.9764% | 551 |
| Efficiency ratio | 35.8945% | 7,315 |
| Assets per employee ($millions) | 77.0101% | 27 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3463% | 7,266 |
| Loan loss allowance to noncurrent loans | 23.9109% | 6,542 |
| Noncurrent assets plus other real estate owned to assets | 0.4256% | 6,011 |
| Noncurrent loans to loans | 1.4482% | 4,125 |
| Net loans and leases to total assets | 19.4325% | 7,291 |
| Net loans and leases to deposits | 21.3977% | 7,312 |
| Net loans and leases to core deposits | 21.8953% | 7,314 |
| Total domestic deposits to total assets | 90.8157% | 507 |
| Equity capital to assets | 8.4678% | 6,329 |
| Core capital (leverage) ratio | 8.2617% | 6,036 |
| Tier 1 risk-based capital ratio | 34.3444% | 375 |
| Total risk-based capital ratio | 34.6257% | 398 |
| Memoranda: | ||
| Average total assets | $984,804,250 | 671 |
| Average earning assets | $935,024,500 | 643 |
| Average equity | $96,719,250 | 712 |
| Average total loans | $390,405,750 | 1,101 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7434% | 7,396 |
| Cost of funding earning assets | 0.5650% | 6,604 |
| Net interest margin | 2.1784% | 7,324 |
| Noninterest income to average assets | -0.4466% | 7,423 |
| Noninterest expense to average assets | 0.6061% | 7,484 |
| Loan and lease loss provision to assets | 0.0315% | 5,919 |
| Net operating income to assets | 0.5874% | 4,121 |
| Return on assets (ROA) | 0.5874% | 4,253 |
| Pretax return on assets | 0.9817% | 3,304 |
| Return on Equity (ROE) | 5.5305% | 4,198 |
| Retained earnings to average equity (ytd only) | 5.5305% | 2,677 |
| Net charge-offs to loans | 0.0574% | 5,077 |
| Credit loss provision to net charge-offs | 106.5574% | 2,892 |
| Earnings coverage of net charge-offs (x) | 34.2705% | 836 |
| Efficiency ratio | 37.4289% | 7,370 |
| Assets per employee ($millions) | 57.9074% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1653% | 7,405 |
| Loan loss allowance to noncurrent loans | 17.1648% | 6,803 |
| Noncurrent assets plus other real estate owned to assets | 0.5638% | 5,798 |
| Noncurrent loans to loans | 0.9632% | 5,060 |
| Net loans and leases to total assets | 37.5978% | 6,881 |
| Net loans and leases to deposits | 58.8839% | 5,836 |
| Net loans and leases to core deposits | 61.6657% | 5,927 |
| Total domestic deposits to total assets | 63.8507% | 7,319 |
| Equity capital to assets | 9.8083% | 4,381 |
| Core capital (leverage) ratio | 9.5027% | 3,957 |
| Tier 1 risk-based capital ratio | 28.3564% | 636 |
| Total risk-based capital ratio | 28.5428% | 699 |
| Memoranda: | ||
| Average total assets | $825,341,670 | 808 |
| Average earning assets | $782,682,330 | 768 |
| Average equity | $87,659,000 | 768 |
| Average total loans | $425,433,330 | 1,012 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0224% | 7,391 |
| Cost of funding earning assets | 0.6598% | 6,348 |
| Net interest margin | 2.3627% | 7,274 |
| Noninterest income to average assets | -0.4922% | 7,498 |
| Noninterest expense to average assets | 0.6568% | 7,543 |
| Loan and lease loss provision to assets | 0.0497% | 5,378 |
| Net operating income to assets | 0.6250% | 3,892 |
| Return on assets (ROA) | 0.6250% | 3,959 |
| Pretax return on assets | 1.0435% | 2,975 |
| Return on Equity (ROE) | 5.5741% | 4,125 |
| Retained earnings to average equity (ytd only) | 5.5741% | 2,867 |
| Net charge-offs to loans | 0.0806% | 4,136 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 22.0112% | 1,066 |
| Efficiency ratio | 37.5319% | 7,424 |
| Assets per employee ($millions) | 36.5037% | 45 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1961% | 7,448 |
| Loan loss allowance to noncurrent loans | 13.9197% | 6,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 5,145 |
| Noncurrent loans to loans | 1.4087% | 4,361 |
| Net loans and leases to total assets | 44.6874% | 6,407 |
| Net loans and leases to deposits | 57.0331% | 6,022 |
| Net loans and leases to core deposits | 59.8804% | 6,103 |
| Total domestic deposits to total assets | 78.3535% | 6,328 |
| Equity capital to assets | 11.0853% | 2,607 |
| Core capital (leverage) ratio | 10.6546% | 2,468 |
| Tier 1 risk-based capital ratio | 39.5721% | 246 |
| Total risk-based capital ratio | 39.8998% | 253 |
| Memoranda: | ||
| Average total assets | $716,846,000 | 929 |
| Average earning assets | $680,247,000 | 899 |
| Average equity | $80,371,000 | 827 |
| Average total loans | $441,878,500 | 988 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0980% | 7,053 |
| Cost of funding earning assets | 1.0237% | 5,571 |
| Net interest margin | 3.0743% | 6,585 |
| Noninterest income to average assets | -0.3407% | 7,523 |
| Noninterest expense to average assets | 0.8927% | 7,592 |
| Loan and lease loss provision to assets | 0.0841% | 6,309 |
| Net operating income to assets | 1.2811% | 1,225 |
| Return on assets (ROA) | 1.2811% | 1,282 |
| Pretax return on assets | 1.6216% | 1,081 |
| Return on Equity (ROE) | 11.6088% | 1,418 |
| Retained earnings to average equity (ytd only) | 11.6088% | 313 |
| Net charge-offs to loans | 0.1041% | 5,825 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 20.2914% | 1,012 |
| Efficiency ratio | 34.3569% | 7,555 |
| Assets per employee ($millions) | 30.5921% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1151% | 7,551 |
| Loan loss allowance to noncurrent loans | 15.6954% | 6,962 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 5,296 |
| Noncurrent loans to loans | 0.7334% | 5,580 |
| Net loans and leases to total assets | 79.0519% | 790 |
| Net loans and leases to deposits | 111.1474% | 212 |
| Net loans and leases to core deposits | 116.7520% | 613 |
| Total domestic deposits to total assets | 71.1234% | 7,163 |
| Equity capital to assets | 11.3429% | 2,381 |
| Core capital (leverage) ratio | 10.8972% | 2,231 |
| Tier 1 risk-based capital ratio | 24.7015% | 872 |
| Total risk-based capital ratio | 24.9090% | 942 |
| Memoranda: | ||
| Average total assets | $538,921,600 | 1,245 |
| Average earning assets | $515,206,600 | 1,196 |
| Average equity | $59,472,000 | 1,119 |
| Average total loans | $434,985,200 | 1,031 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 7,273 |
| Cost of funding earning assets | 1.0902% | 5,485 |
| Net interest margin | 2.9264% | 6,969 |
| Noninterest income to average assets | -0.2673% | 7,622 |
| Noninterest expense to average assets | 0.8979% | 7,708 |
| Loan and lease loss provision to assets | 0.1007% | 6,014 |
| Net operating income to assets | 1.3691% | 1,174 |
| Return on assets (ROA) | 1.3691% | 1,256 |
| Pretax return on assets | 1.5397% | 1,506 |
| Return on Equity (ROE) | 12.5296% | 1,379 |
| Retained earnings to average equity (ytd only) | 12.5296% | 396 |
| Net charge-offs to loans | 0.1239% | 5,314 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 16.2873% | 1,386 |
| Efficiency ratio | 35.3736% | 7,638 |
| Assets per employee ($millions) | 29.8018% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1017% | 7,669 |
| Loan loss allowance to noncurrent loans | 13.0710% | 7,120 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 5,128 |
| Noncurrent loans to loans | 0.7781% | 5,656 |
| Net loans and leases to total assets | 91.8607% | 30 |
| Net loans and leases to deposits | 108.2604% | 294 |
| Net loans and leases to core deposits | 112.5102% | 908 |
| Total domestic deposits to total assets | 84.8517% | 3,693 |
| Equity capital to assets | 9.9378% | 4,236 |
| Core capital (leverage) ratio | 9.4729% | 3,942 |
| Tier 1 risk-based capital ratio | 18.7978% | 1,796 |
| Total risk-based capital ratio | 18.9843% | 2,064 |
| Memoranda: | ||
| Average total assets | $497,747,250 | 1,364 |
| Average earning assets | $477,206,250 | 1,299 |
| Average equity | $54,387,250 | 1,228 |
| Average total loans | $404,515,250 | 1,124 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 7,518 |
| Cost of funding earning assets | 1.2068% | 5,089 |
| Net interest margin | 2.5232% | 7,403 |
| Noninterest income to average assets | -0.0175% | 7,562 |
| Noninterest expense to average assets | 1.0152% | 7,770 |
| Loan and lease loss provision to assets | 0.1792% | 5,077 |
| Net operating income to assets | 1.2381% | 1,456 |
| Return on assets (ROA) | 1.2381% | 1,520 |
| Pretax return on assets | 1.2114% | 2,377 |
| Return on Equity (ROE) | 10.8170% | 1,803 |
| Retained earnings to average equity (ytd only) | 10.8170% | 686 |
| Net charge-offs to loans | 0.2369% | 4,183 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 7.7590% | 2,242 |
| Efficiency ratio | 42.1968% | 7,582 |
| Assets per employee ($millions) | 26.4476% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1253% | 7,731 |
| Loan loss allowance to noncurrent loans | 10.9554% | 7,244 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 4,680 |
| Noncurrent loans to loans | 1.1441% | 5,052 |
| Net loans and leases to total assets | 83.9650% | 358 |
| Net loans and leases to deposits | 100.1700% | 706 |
| Net loans and leases to core deposits | 104.2064% | 1,617 |
| Total domestic deposits to total assets | 83.8225% | 4,190 |
| Equity capital to assets | 10.8009% | 3,073 |
| Core capital (leverage) ratio | 10.2817% | 2,853 |
| Tier 1 risk-based capital ratio | 22.6172% | 1,109 |
| Total risk-based capital ratio | 22.8503% | 1,237 |
| Memoranda: | ||
| Average total assets | $435,182,670 | 1,565 |
| Average earning assets | $417,962,670 | 1,482 |
| Average equity | $49,810,330 | 1,343 |
| Average total loans | $329,256,330 | 1,385 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3843% | 7,018 |
| Cost of funding earning assets | 1.4290% | 3,996 |
| Net interest margin | 2.9553% | 6,932 |
| Noninterest income to average assets | 0.0987% | 7,211 |
| Noninterest expense to average assets | 1.4262% | 7,750 |
| Loan and lease loss provision to assets | 0.1033% | 5,591 |
| Net operating income to assets | 0.8215% | 2,876 |
| Return on assets (ROA) | 0.8215% | 2,967 |
| Pretax return on assets | 1.3883% | 1,808 |
| Return on Equity (ROE) | 6.8410% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.8410% | 2,197 |
| Net charge-offs to loans | 0.1511% | 4,028 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 14.4444% | 1,429 |
| Efficiency ratio | 48.8793% | 7,383 |
| Assets per employee ($millions) | 17.4074% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3171% | 7,744 |
| Loan loss allowance to noncurrent loans | 13.4636% | 7,251 |
| Noncurrent assets plus other real estate owned to assets | 1.6203% | 4,055 |
| Noncurrent loans to loans | 2.3556% | 3,322 |
| Net loans and leases to total assets | 52.6102% | 6,205 |
| Net loans and leases to deposits | 60.1194% | 6,457 |
| Net loans and leases to core deposits | 64.0382% | 6,448 |
| Total domestic deposits to total assets | 87.5095% | 2,353 |
| Equity capital to assets | 11.9393% | 2,076 |
| Core capital (leverage) ratio | 11.1224% | 2,149 |
| Tier 1 risk-based capital ratio | 37.3733% | 301 |
| Total risk-based capital ratio | 37.9409% | 307 |
| Memoranda: | ||
| Average total assets | $348,627,000 | 1,961 |
| Average earning assets | $332,550,500 | 1,885 |
| Average equity | $41,865,000 | 1,593 |
| Average total loans | $238,187,000 | 1,935 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1087% | 7,647 |
| Cost of funding earning assets | 0.2018% | 7,941 |
| Net interest margin | 3.9070% | 3,239 |
| Noninterest income to average assets | 1.1434% | 1,179 |
| Noninterest expense to average assets | 2.7357% | 5,219 |
| Loan and lease loss provision to assets | 0.8255% | 2,658 |
| Net operating income to assets | 1.0029% | 1,830 |
| Return on assets (ROA) | 0.9715% | 1,993 |
| Pretax return on assets | 1.1514% | 2,092 |
| Return on Equity (ROE) | 6.3152% | 3,070 |
| Retained earnings to average equity (ytd only) | 6.3152% | 1,221 |
| Net charge-offs to loans | 1.0797% | 2,260 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 2.4401% | 3,903 |
| Efficiency ratio | 57.5941% | 6,822 |
| Assets per employee ($millions) | 18.4878% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2337% | 7,865 |
| Loan loss allowance to noncurrent loans | 16.8507% | 7,192 |
| Noncurrent assets plus other real estate owned to assets | 1.7948% | 3,673 |
| Noncurrent loans to loans | 1.3870% | 4,602 |
| Net loans and leases to total assets | 87.0576% | 220 |
| Net loans and leases to deposits | 101.9172% | 757 |
| Net loans and leases to core deposits | 124.6441% | 1,597 |
| Total domestic deposits to total assets | 85.4199% | 3,343 |
| Equity capital to assets | 12.0929% | 1,983 |
| Core capital (leverage) ratio | 11.0972% | 2,178 |
| Tier 1 risk-based capital ratio | 22.8459% | 1,058 |
| Total risk-based capital ratio | 23.2705% | 1,124 |
| Memoranda: | ||
| Average total assets | $173,961,200 | 3,534 |
| Average earning assets | $160,584,200 | 3,508 |
| Average equity | $26,761,000 | 2,468 |
| Average total loans | $132,993,800 | 3,212 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7875% | 7,872 |
| Cost of funding earning assets | 0.1807% | 8,035 |
| Net interest margin | 3.6068% | 4,458 |
| Noninterest income to average assets | 0.9639% | 1,727 |
| Noninterest expense to average assets | 3.1653% | 3,421 |
| Loan and lease loss provision to assets | 1.1953% | 1,628 |
| Net operating income to assets | -0.1258% | 5,933 |
| Return on assets (ROA) | -0.1882% | 6,053 |
| Pretax return on assets | -0.1622% | 5,923 |
| Return on Equity (ROE) | -1.0912% | 5,949 |
| Retained earnings to average equity (ytd only) | -1.0912% | 5,514 |
| Net charge-offs to loans | 1.6994% | 1,194 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 0.9165% | 5,141 |
| Efficiency ratio | 74.2902% | 3,822 |
| Assets per employee ($millions) | 16.5066% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2821% | 7,914 |
| Loan loss allowance to noncurrent loans | 16.3981% | 7,266 |
| Noncurrent assets plus other real estate owned to assets | 3.1654% | 2,148 |
| Noncurrent loans to loans | 1.7204% | 4,055 |
| Net loans and leases to total assets | 85.7898% | 359 |
| Net loans and leases to deposits | 115.4739% | 279 |
| Net loans and leases to core deposits | 115.8281% | 2,641 |
| Total domestic deposits to total assets | 74.2937% | 6,899 |
| Equity capital to assets | 12.5408% | 1,924 |
| Core capital (leverage) ratio | 11.3594% | 2,151 |
| Tier 1 risk-based capital ratio | 23.4028% | 1,062 |
| Total risk-based capital ratio | 23.9096% | 1,127 |
| Memoranda: | ||
| Average total assets | $138,878,500 | 4,164 |
| Average earning assets | $126,942,000 | 4,185 |
| Average equity | $23,949,500 | 2,767 |
| Average total loans | $97,678,250 | 4,046 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4520% | 7,670 |
| Cost of funding earning assets | 0.3033% | 8,099 |
| Net interest margin | 4.1487% | 2,165 |
| Noninterest income to average assets | 0.6959% | 3,013 |
| Noninterest expense to average assets | 4.4556% | 804 |
| Loan and lease loss provision to assets | 2.1866% | 730 |
| Net operating income to assets | -2.3410% | 7,524 |
| Return on assets (ROA) | -2.4749% | 7,543 |
| Pretax return on assets | -2.4193% | 7,402 |
| Return on Equity (ROE) | -11.5066% | 7,138 |
| Retained earnings to average equity (ytd only) | -11.5066% | 7,011 |
| Net charge-offs to loans | 3.8973% | 365 |
| Credit loss provision to net charge-offs | 100.0000% | 4,559 |
| Earnings coverage of net charge-offs (x) | -0.0452% | 5,746 |
| Efficiency ratio | 102.2684% | 1,082 |
| Assets per employee ($millions) | 7.9178% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 6,582 |
| Loan loss allowance to noncurrent loans | 19.6928% | 7,148 |
| Noncurrent assets plus other real estate owned to assets | 6.2280% | 762 |
| Noncurrent loans to loans | 4.7910% | 1,304 |
| Net loans and leases to total assets | 49.9985% | 6,874 |
| Net loans and leases to deposits | 63.9901% | 6,564 |
| Net loans and leases to core deposits | 64.6044% | 7,268 |
| Total domestic deposits to total assets | 78.1348% | 6,038 |
| Equity capital to assets | 20.8875% | 336 |
| Core capital (leverage) ratio | 18.7631% | 438 |
| Tier 1 risk-based capital ratio | 52.1092% | 167 |
| Total risk-based capital ratio | 53.3613% | 167 |
| Memoranda: | ||
| Average total assets | $97,136,000 | 5,245 |
| Average earning assets | $85,713,330 | 5,349 |
| Average equity | $20,892,330 | 3,115 |
| Average total loans | $54,498,670 | 5,577 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 7,555 |
| Cost of funding earning assets | 0.4756% | 8,107 |
| Net interest margin | 4.1916% | 1,929 |
| Noninterest income to average assets | -0.3520% | 8,188 |
| Noninterest expense to average assets | 6.7293% | 221 |
| Loan and lease loss provision to assets | 5.4182% | 144 |
| Net operating income to assets | -8.9639% | 8,161 |
| Return on assets (ROA) | -9.2956% | 8,155 |
| Pretax return on assets | -9.2343% | 8,144 |
| Return on Equity (ROE) | -42.1735% | 8,009 |
| Retained earnings to average equity (ytd only) | -42.1735% | 7,989 |
| Net charge-offs to loans | 8.8911% | 75 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -0.6431% | 5,293 |
| Efficiency ratio | 207.3899% | 172 |
| Assets per employee ($millions) | 4.4176% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 3,475 |
| Loan loss allowance to noncurrent loans | 10.9930% | 7,497 |
| Noncurrent assets plus other real estate owned to assets | 13.0576% | 119 |
| Noncurrent loans to loans | 12.7750% | 155 |
| Net loans and leases to total assets | 56.5954% | 6,157 |
| Net loans and leases to deposits | 80.8723% | 4,478 |
| Net loans and leases to core deposits | 82.6547% | 6,180 |
| Total domestic deposits to total assets | 69.9813% | 7,427 |
| Equity capital to assets | 28.2895% | 168 |
| Core capital (leverage) ratio | 24.9681% | 231 |
| Tier 1 risk-based capital ratio | 49.1861% | 219 |
| Total risk-based capital ratio | 50.4407% | 212 |
| Memoranda: | ||
| Average total assets | $78,403,000 | 5,877 |
| Average earning assets | $67,277,500 | 5,998 |
| Average equity | $17,281,000 | 3,681 |
| Average total loans | $47,778,000 | 5,881 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 7,859 |
| Cost of funding earning assets | 1.5429% | 7,542 |
| Net interest margin | 3.4216% | 5,574 |
| Noninterest income to average assets | -0.5277% | 8,275 |
| Noninterest expense to average assets | 15.1295% | 74 |
| Loan and lease loss provision to assets | 0.6543% | 2,223 |
| Net operating income to assets | -13.5479% | 8,278 |
| Return on assets (ROA) | -2.7312% | 7,740 |
| Pretax return on assets | -2.7270% | 7,646 |
| Return on Equity (ROE) | -22.9672% | 7,825 |
| Retained earnings to average equity (ytd only) | -22.9672% | 7,759 |
| Net charge-offs to loans | 0.6207% | 1,978 |
| Credit loss provision to net charge-offs | 149.5177% | 3,527 |
| Earnings coverage of net charge-offs (x) | -29.4534% | 6,958 |
| Efficiency ratio | 675.3769% | 30 |
| Assets per employee ($millions) | 3.3604% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 3,900 |
| Loan loss allowance to noncurrent loans | 43.2524% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 8.8771% | 231 |
| Noncurrent loans to loans | 2.9692% | 1,808 |
| Net loans and leases to total assets | 63.7490% | 5,323 |
| Net loans and leases to deposits | 77.0859% | 5,461 |
| Net loans and leases to core deposits | 83.0639% | 6,377 |
| Total domestic deposits to total assets | 82.6987% | 3,894 |
| Equity capital to assets | 15.6128% | 1,023 |
| Core capital (leverage) ratio | 11.5862% | 2,203 |
| Tier 1 risk-based capital ratio | 20.9337% | 1,465 |
| Total risk-based capital ratio | 22.1877% | 1,435 |
| Memoranda: | ||
| Average total assets | $71,066,400 | 5,997 |
| Average earning assets | $57,488,200 | 6,283 |
| Average equity | $8,451,200 | 5,924 |
| Average total loans | $50,101,600 | 5,699 |