Home > Commercial Bank of California > Performance and Condition Ratios
Commercial Bank of California, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1611% | 1,738 |
| Cost of funding earning assets | 1.9964% | 922 |
| Net interest margin | 3.1647% | 2,954 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.5317% | 2,210 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 0.6721% | 3,258 |
| Return on assets (ROA) | 0.6715% | 3,244 |
| Pretax return on assets | 0.9452% | 2,828 |
| Return on Equity (ROE) | 9.6300% | 2,600 |
| Retained earnings to average equity (ytd only) | 9.6328% | 1,111 |
| Net charge-offs to loans | 0.3167% | 343 |
| Credit loss provision to net charge-offs | 115.0169% | 1,715 |
| Earnings coverage of net charge-offs (x) | 5.4714% | 2,526 |
| Efficiency ratio | 66.9547% | 2,236 |
| Assets per employee ($millions) | 10.7801% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 2,756 |
| Loan loss allowance to noncurrent loans | 809.4578% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 2,810 |
| Noncurrent loans to loans | 0.1378% | 2,820 |
| Net loans and leases to total assets | 70.3700% | 1,767 |
| Net loans and leases to deposits | 90.2977% | 1,239 |
| Net loans and leases to core deposits | 97.5396% | 1,565 |
| Total domestic deposits to total assets | 77.9300% | 3,737 |
| Equity capital to assets | 7.0053% | 3,935 |
| Core capital (leverage) ratio | 8.1799% | 4,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8581% | 2,834 |
| Memoranda: | ||
| Average total assets | $2,252,294,200 | 510 |
| Average earning assets | $2,147,355,600 | 490 |
| Average equity | $157,005,600 | 652 |
| Average total loans | $1,585,235,600 | 496 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0911% | 1,649 |
| Cost of funding earning assets | 1.9532% | 776 |
| Net interest margin | 3.1380% | 3,061 |
| Noninterest income to average assets | 0.7300% | 1,090 |
| Noninterest expense to average assets | 2.6159% | 1,893 |
| Loan and lease loss provision to assets | 0.2600% | 385 |
| Net operating income to assets | 0.6102% | 3,520 |
| Return on assets (ROA) | 0.6094% | 3,512 |
| Pretax return on assets | 0.8535% | 3,206 |
| Return on Equity (ROE) | 8.7500% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.7544% | 1,753 |
| Net charge-offs to loans | 0.2311% | 383 |
| Credit loss provision to net charge-offs | 133.3457% | 1,397 |
| Earnings coverage of net charge-offs (x) | 6.8433% | 2,263 |
| Efficiency ratio | 69.6648% | 1,825 |
| Assets per employee ($millions) | 9.8896% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 2,389 |
| Loan loss allowance to noncurrent loans | 1,026.9455% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,031 |
| Noncurrent loans to loans | 0.1164% | 2,986 |
| Net loans and leases to total assets | 71.1200% | 1,679 |
| Net loans and leases to deposits | 88.1366% | 1,371 |
| Net loans and leases to core deposits | 89.5356% | 1,963 |
| Total domestic deposits to total assets | 80.7000% | 3,431 |
| Equity capital to assets | 6.8541% | 3,684 |
| Core capital (leverage) ratio | 8.1957% | 4,311 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0887% | 2,810 |
| Memoranda: | ||
| Average total assets | $2,208,988,250 | 516 |
| Average earning assets | $2,105,520,500 | 498 |
| Average equity | $153,778,500 | 659 |
| Average total loans | $1,550,019,000 | 505 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0248% | 1,524 |
| Cost of funding earning assets | 1.8954% | 615 |
| Net interest margin | 3.1294% | 3,155 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.6587% | 1,755 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 0.5748% | 3,643 |
| Return on assets (ROA) | 0.5736% | 3,650 |
| Pretax return on assets | 0.8045% | 3,390 |
| Return on Equity (ROE) | 8.2000% | 3,188 |
| Retained earnings to average equity (ytd only) | 8.1969% | 1,905 |
| Net charge-offs to loans | 0.2084% | 387 |
| Credit loss provision to net charge-offs | 126.1006% | 1,301 |
| Earnings coverage of net charge-offs (x) | 7.2925% | 2,090 |
| Efficiency ratio | 71.0013% | 1,670 |
| Assets per employee ($millions) | 9.7544% | 718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2051% | 2,411 |
| Loan loss allowance to noncurrent loans | 974.6522% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 2,930 |
| Noncurrent loans to loans | 0.1236% | 2,855 |
| Net loans and leases to total assets | 68.8300% | 1,867 |
| Net loans and leases to deposits | 82.9799% | 1,760 |
| Net loans and leases to core deposits | 86.3758% | 2,041 |
| Total domestic deposits to total assets | 82.9500% | 3,061 |
| Equity capital to assets | 6.9866% | 3,807 |
| Core capital (leverage) ratio | 8.0407% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2457% | 2,812 |
| Memoranda: | ||
| Average total assets | $2,193,707,333 | 506 |
| Average earning assets | $2,089,801,333 | 490 |
| Average equity | $153,521,667 | 657 |
| Average total loans | $1,525,664,667 | 501 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9056% | 1,398 |
| Cost of funding earning assets | 1.7482% | 501 |
| Net interest margin | 3.1574% | 3,213 |
| Noninterest income to average assets | 0.6700% | 1,193 |
| Noninterest expense to average assets | 2.7317% | 1,592 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.5326% | 3,827 |
| Return on assets (ROA) | 0.5326% | 3,786 |
| Pretax return on assets | 0.7485% | 3,564 |
| Return on Equity (ROE) | 7.6000% | 3,390 |
| Retained earnings to average equity (ytd only) | 7.6031% | 2,336 |
| Net charge-offs to loans | 0.1950% | 372 |
| Credit loss provision to net charge-offs | 47.4761% | 1,306 |
| Earnings coverage of net charge-offs (x) | 7.0218% | 1,769 |
| Efficiency ratio | 73.6060% | 1,378 |
| Assets per employee ($millions) | 10.0372% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1762% | 2,685 |
| Loan loss allowance to noncurrent loans | 3,690.0204% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 3,582 |
| Noncurrent loans to loans | 0.0319% | 3,528 |
| Net loans and leases to total assets | 69.2500% | 1,696 |
| Net loans and leases to deposits | 83.6367% | 1,526 |
| Net loans and leases to core deposits | 89.2504% | 1,660 |
| Total domestic deposits to total assets | 82.8000% | 3,334 |
| Equity capital to assets | 7.0392% | 3,811 |
| Core capital (leverage) ratio | 8.0973% | 4,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2932% | 2,903 |
| Memoranda: | ||
| Average total assets | $2,163,925,000 | 526 |
| Average earning assets | $2,062,688,000 | 502 |
| Average equity | $151,569,000 | 676 |
| Average total loans | $1,503,575,500 | 520 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 1,650 |
| Cost of funding earning assets | 0.5941% | 923 |
| Net interest margin | 3.4314% | 2,150 |
| Noninterest income to average assets | 0.8700% | 852 |
| Noninterest expense to average assets | 2.6916% | 1,577 |
| Loan and lease loss provision to assets | 0.1500% | 793 |
| Net operating income to assets | 0.8925% | 2,995 |
| Return on assets (ROA) | 0.8925% | 2,928 |
| Pretax return on assets | 1.2640% | 2,223 |
| Return on Equity (ROE) | 11.8100% | 2,212 |
| Retained earnings to average equity (ytd only) | 11.8135% | 708 |
| Net charge-offs to loans | 0.1726% | 484 |
| Credit loss provision to net charge-offs | 133.5113% | 1,386 |
| Earnings coverage of net charge-offs (x) | 12.5870% | 2,105 |
| Efficiency ratio | 65.1900% | 2,340 |
| Assets per employee ($millions) | 9.7699% | 725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 2,246 |
| Loan loss allowance to noncurrent loans | 7,051.5625% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0120% | 3,766 |
| Noncurrent loans to loans | 0.0175% | 3,710 |
| Net loans and leases to total assets | 68.0200% | 1,828 |
| Net loans and leases to deposits | 80.6969% | 1,723 |
| Net loans and leases to core deposits | 86.1980% | 1,738 |
| Total domestic deposits to total assets | 84.2900% | 3,149 |
| Equity capital to assets | 6.9679% | 3,687 |
| Core capital (leverage) ratio | 8.3994% | 4,202 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5486% | 2,853 |
| Memoranda: | ||
| Average total assets | $2,000,184,600 | 546 |
| Average earning assets | $1,887,987,000 | 528 |
| Average equity | $151,115,800 | 676 |
| Average total loans | $1,301,606,800 | 541 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 1,797 |
| Cost of funding earning assets | 0.3764% | 1,468 |
| Net interest margin | 3.4108% | 1,942 |
| Noninterest income to average assets | 0.9000% | 820 |
| Noninterest expense to average assets | 2.7318% | 1,396 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 0.9201% | 2,794 |
| Return on assets (ROA) | 0.9201% | 2,762 |
| Pretax return on assets | 1.2967% | 2,057 |
| Return on Equity (ROE) | 11.9300% | 2,055 |
| Retained earnings to average equity (ytd only) | 11.9282% | 812 |
| Net charge-offs to loans | 0.1000% | 613 |
| Credit loss provision to net charge-offs | 132.2751% | 1,170 |
| Earnings coverage of net charge-offs (x) | 21.5735% | 1,686 |
| Efficiency ratio | 65.9808% | 2,282 |
| Assets per employee ($millions) | 8.8508% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,084 |
| Loan loss allowance to noncurrent loans | 1,223.4190% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.0746% | 3,147 |
| Noncurrent loans to loans | 0.1054% | 3,128 |
| Net loans and leases to total assets | 69.8700% | 1,489 |
| Net loans and leases to deposits | 77.3314% | 1,771 |
| Net loans and leases to core deposits | 77.8355% | 2,049 |
| Total domestic deposits to total assets | 90.3500% | 1,502 |
| Equity capital to assets | 7.2781% | 3,355 |
| Core capital (leverage) ratio | 8.6989% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9337% | 2,836 |
| Memoranda: | ||
| Average total assets | $1,967,770,500 | 557 |
| Average earning assets | $1,854,002,000 | 540 |
| Average equity | $151,793,250 | 679 |
| Average total loans | $1,260,309,750 | 548 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 2,167 |
| Cost of funding earning assets | 0.3254% | 1,478 |
| Net interest margin | 3.1678% | 2,297 |
| Noninterest income to average assets | 0.8644% | 918 |
| Noninterest expense to average assets | 2.6755% | 1,448 |
| Loan and lease loss provision to assets | 0.0530% | 1,628 |
| Net operating income to assets | 0.7949% | 2,973 |
| Return on assets (ROA) | 0.7949% | 2,945 |
| Pretax return on assets | 1.1149% | 2,348 |
| Return on Equity (ROE) | 10.1195% | 2,293 |
| Retained earnings to average equity (ytd only) | 10.1195% | 980 |
| Net charge-offs to loans | 0.0746% | 713 |
| Credit loss provision to net charge-offs | 114.8796% | 1,200 |
| Earnings coverage of net charge-offs (x) | 25.3063% | 1,466 |
| Efficiency ratio | 69.0226% | 2,103 |
| Assets per employee ($millions) | 8.9031% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3428% | 1,993 |
| Loan loss allowance to noncurrent loans | 1,236.1566% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.0724% | 3,251 |
| Noncurrent loans to loans | 0.1086% | 3,208 |
| Net loans and leases to total assets | 65.7436% | 1,727 |
| Net loans and leases to deposits | 72.0331% | 2,021 |
| Net loans and leases to core deposits | 72.6709% | 2,269 |
| Total domestic deposits to total assets | 91.2686% | 1,121 |
| Equity capital to assets | 7.5180% | 3,466 |
| Core capital (leverage) ratio | 8.4954% | 3,961 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,980,534,000 | 550 |
| Average earning assets | $1,862,510,667 | 541 |
| Average equity | $155,581,333 | 677 |
| Average total loans | $1,225,152,667 | 556 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2179% | 2,630 |
| Cost of funding earning assets | 0.3200% | 1,461 |
| Net interest margin | 2.8979% | 2,847 |
| Noninterest income to average assets | 0.8466% | 940 |
| Noninterest expense to average assets | 2.5351% | 1,794 |
| Loan and lease loss provision to assets | 0.0500% | 1,475 |
| Net operating income to assets | 0.7079% | 3,031 |
| Return on assets (ROA) | 0.7079% | 3,016 |
| Pretax return on assets | 0.9886% | 2,471 |
| Return on Equity (ROE) | 8.8272% | 2,381 |
| Retained earnings to average equity (ytd only) | 8.8272% | 1,321 |
| Net charge-offs to loans | 0.0581% | 729 |
| Credit loss provision to net charge-offs | 144.5087% | 875 |
| Earnings coverage of net charge-offs (x) | 30.0231% | 1,131 |
| Efficiency ratio | 70.3111% | 2,189 |
| Assets per employee ($millions) | 9.1305% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 1,753 |
| Loan loss allowance to noncurrent loans | 8,196.6981% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 3,961 |
| Noncurrent loans to loans | 0.0176% | 3,873 |
| Net loans and leases to total assets | 60.2451% | 2,039 |
| Net loans and leases to deposits | 66.2960% | 2,310 |
| Net loans and leases to core deposits | 66.9480% | 2,541 |
| Total domestic deposits to total assets | 90.8729% | 1,099 |
| Equity capital to assets | 7.9014% | 3,644 |
| Core capital (leverage) ratio | 8.2359% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,000,360,500 | 550 |
| Average earning assets | $1,882,484,500 | 542 |
| Average equity | $160,414,000 | 677 |
| Average total loans | $1,191,042,000 | 566 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 3,328 |
| Cost of funding earning assets | 0.3081% | 2,318 |
| Net interest margin | 2.9490% | 3,326 |
| Noninterest income to average assets | 1.0773% | 887 |
| Noninterest expense to average assets | 2.4817% | 2,238 |
| Loan and lease loss provision to assets | 0.1172% | 1,071 |
| Net operating income to assets | 0.9152% | 2,986 |
| Return on assets (ROA) | 0.9152% | 3,047 |
| Pretax return on assets | 1.2565% | 2,497 |
| Return on Equity (ROE) | 10.6932% | 2,280 |
| Retained earnings to average equity (ytd only) | 10.6932% | 765 |
| Net charge-offs to loans | -0.0055% | 3,579 |
| Credit loss provision to net charge-offs | -3,306.4516% | 4,120 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4210% | 2,493 |
| Assets per employee ($millions) | 10.7299% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4711% | 1,657 |
| Loan loss allowance to noncurrent loans | 7,654.8673% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 4,039 |
| Noncurrent loans to loans | 0.0192% | 3,936 |
| Net loans and leases to total assets | 57.1353% | 2,462 |
| Net loans and leases to deposits | 67.9673% | 2,313 |
| Net loans and leases to core deposits | 68.6949% | 2,584 |
| Total domestic deposits to total assets | 84.0629% | 3,545 |
| Equity capital to assets | 8.1363% | 4,283 |
| Core capital (leverage) ratio | 8.5007% | 3,920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,748,683,000 | 599 |
| Average earning assets | $1,647,386,400 | 585 |
| Average equity | $149,665,000 | 715 |
| Average total loans | $1,121,694,400 | 594 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 3,347 |
| Cost of funding earning assets | 0.3148% | 2,457 |
| Net interest margin | 2.9992% | 3,304 |
| Noninterest income to average assets | 1.1232% | 902 |
| Noninterest expense to average assets | 2.5947% | 1,852 |
| Loan and lease loss provision to assets | 0.1628% | 674 |
| Net operating income to assets | 0.8793% | 3,307 |
| Return on assets (ROA) | 0.8793% | 3,381 |
| Pretax return on assets | 1.1959% | 2,947 |
| Return on Equity (ROE) | 10.1228% | 2,691 |
| Retained earnings to average equity (ytd only) | 10.1228% | 1,278 |
| Net charge-offs to loans | -0.0067% | 3,528 |
| Credit loss provision to net charge-offs | -3,660.7143% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8497% | 2,114 |
| Assets per employee ($millions) | 9.2849% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 1,401 |
| Loan loss allowance to noncurrent loans | 745.4310% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 3,236 |
| Noncurrent loans to loans | 0.2116% | 3,107 |
| Net loans and leases to total assets | 61.1582% | 2,119 |
| Net loans and leases to deposits | 67.8937% | 2,446 |
| Net loans and leases to core deposits | 68.7043% | 2,715 |
| Total domestic deposits to total assets | 90.0793% | 741 |
| Equity capital to assets | 9.1048% | 3,738 |
| Core capital (leverage) ratio | 8.8796% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,678,868,250 | 626 |
| Average earning assets | $1,584,271,250 | 608 |
| Average equity | $145,831,500 | 749 |
| Average total loans | $1,108,125,500 | 612 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2906% | 3,454 |
| Cost of funding earning assets | 0.3116% | 2,665 |
| Net interest margin | 2.9790% | 3,377 |
| Noninterest income to average assets | 1.2794% | 710 |
| Noninterest expense to average assets | 2.7159% | 1,549 |
| Loan and lease loss provision to assets | 0.1454% | 826 |
| Net operating income to assets | 0.9191% | 3,165 |
| Return on assets (ROA) | 0.9191% | 3,240 |
| Pretax return on assets | 1.2417% | 2,797 |
| Return on Equity (ROE) | 10.7663% | 2,507 |
| Retained earnings to average equity (ytd only) | 10.7663% | 1,181 |
| Net charge-offs to loans | -0.0142% | 3,826 |
| Credit loss provision to net charge-offs | -1,518.9873% | 3,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7297% | 2,048 |
| Assets per employee ($millions) | 9.1944% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4739% | 1,670 |
| Loan loss allowance to noncurrent loans | 687.5574% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.1416% | 3,303 |
| Noncurrent loans to loans | 0.2144% | 3,191 |
| Net loans and leases to total assets | 65.0652% | 1,820 |
| Net loans and leases to deposits | 72.2908% | 2,182 |
| Net loans and leases to core deposits | 73.2167% | 2,493 |
| Total domestic deposits to total assets | 90.0048% | 773 |
| Equity capital to assets | 8.6275% | 4,107 |
| Core capital (leverage) ratio | 8.6991% | 3,787 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,650,449,000 | 625 |
| Average earning assets | $1,564,346,000 | 611 |
| Average equity | $140,902,000 | 766 |
| Average total loans | $1,112,100,333 | 608 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1498% | 3,780 |
| Cost of funding earning assets | 0.3236% | 2,767 |
| Net interest margin | 2.8263% | 3,696 |
| Noninterest income to average assets | 1.5015% | 598 |
| Noninterest expense to average assets | 2.7140% | 1,592 |
| Loan and lease loss provision to assets | 0.0736% | 1,705 |
| Net operating income to assets | 1.0163% | 2,761 |
| Return on assets (ROA) | 1.0163% | 2,843 |
| Pretax return on assets | 1.4174% | 2,236 |
| Return on Equity (ROE) | 11.9705% | 2,026 |
| Retained earnings to average equity (ytd only) | 11.9705% | 1,155 |
| Net charge-offs to loans | 0.0112% | 1,530 |
| Credit loss provision to net charge-offs | 967.7419% | 425 |
| Earnings coverage of net charge-offs (x) | 195.9677% | 404 |
| Efficiency ratio | 63.9760% | 2,468 |
| Assets per employee ($millions) | 8.6620% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 2,312 |
| Loan loss allowance to noncurrent loans | 598.8764% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1568% | 3,376 |
| Noncurrent loans to loans | 0.2216% | 3,305 |
| Net loans and leases to total assets | 69.8290% | 1,317 |
| Net loans and leases to deposits | 80.8307% | 1,440 |
| Net loans and leases to core deposits | 81.8884% | 1,847 |
| Total domestic deposits to total assets | 86.3893% | 2,580 |
| Equity capital to assets | 8.5167% | 4,100 |
| Core capital (leverage) ratio | 8.8606% | 3,745 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,629,789,500 | 627 |
| Average earning assets | $1,558,946,500 | 604 |
| Average equity | $138,374,000 | 770 |
| Average total loans | $1,109,540,500 | 611 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6315% | 3,735 |
| Cost of funding earning assets | 0.3926% | 3,624 |
| Net interest margin | 3.2388% | 3,253 |
| Noninterest income to average assets | 0.7211% | 1,784 |
| Noninterest expense to average assets | 2.7998% | 1,941 |
| Loan and lease loss provision to assets | 0.3716% | 883 |
| Net operating income to assets | 0.4672% | 4,101 |
| Return on assets (ROA) | 0.4719% | 4,174 |
| Pretax return on assets | 0.6422% | 3,994 |
| Return on Equity (ROE) | 5.4869% | 3,750 |
| Retained earnings to average equity (ytd only) | 5.4869% | 2,051 |
| Net charge-offs to loans | 0.0199% | 2,669 |
| Credit loss provision to net charge-offs | 2,672.8723% | 362 |
| Earnings coverage of net charge-offs (x) | 72.4947% | 951 |
| Efficiency ratio | 72.7797% | 1,598 |
| Assets per employee ($millions) | 8.6300% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,813 |
| Loan loss allowance to noncurrent loans | 572.2683% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1645% | 3,449 |
| Noncurrent loans to loans | 0.2517% | 3,295 |
| Net loans and leases to total assets | 64.3949% | 2,312 |
| Net loans and leases to deposits | 75.1566% | 2,370 |
| Net loans and leases to core deposits | 76.1262% | 2,720 |
| Total domestic deposits to total assets | 85.6809% | 2,497 |
| Equity capital to assets | 8.4634% | 4,472 |
| Core capital (leverage) ratio | 9.0416% | 3,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,352,304,000 | 677 |
| Average earning assets | $1,288,738,000 | 655 |
| Average equity | $116,312,600 | 849 |
| Average total loans | $943,531,200 | 681 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 3,595 |
| Cost of funding earning assets | 0.4038% | 3,790 |
| Net interest margin | 3.3857% | 2,961 |
| Noninterest income to average assets | 0.7477% | 1,652 |
| Noninterest expense to average assets | 2.9351% | 1,600 |
| Loan and lease loss provision to assets | 0.4481% | 723 |
| Net operating income to assets | 0.4281% | 4,209 |
| Return on assets (ROA) | 0.4347% | 4,260 |
| Pretax return on assets | 0.5956% | 4,107 |
| Return on Equity (ROE) | 5.0290% | 3,889 |
| Retained earnings to average equity (ytd only) | 5.0290% | 2,545 |
| Net charge-offs to loans | 0.0115% | 2,693 |
| Credit loss provision to net charge-offs | 5,474.6835% | 203 |
| Earnings coverage of net charge-offs (x) | 126.4937% | 673 |
| Efficiency ratio | 73.1675% | 1,501 |
| Assets per employee ($millions) | 8.3117% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4046% | 1,718 |
| Loan loss allowance to noncurrent loans | 532.7372% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 3,561 |
| Noncurrent loans to loans | 0.2636% | 3,349 |
| Net loans and leases to total assets | 64.5444% | 2,696 |
| Net loans and leases to deposits | 75.5867% | 2,793 |
| Net loans and leases to core deposits | 77.7018% | 3,037 |
| Total domestic deposits to total assets | 85.3911% | 2,285 |
| Equity capital to assets | 7.4511% | 4,869 |
| Core capital (leverage) ratio | 8.0003% | 4,676 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,286,928,500 | 693 |
| Average earning assets | $1,224,960,000 | 672 |
| Average equity | $111,245,000 | 874 |
| Average total loans | $915,814,750 | 695 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0699% | 3,127 |
| Cost of funding earning assets | 0.4287% | 3,904 |
| Net interest margin | 3.6412% | 2,345 |
| Noninterest income to average assets | 0.7515% | 1,572 |
| Noninterest expense to average assets | 3.0907% | 1,375 |
| Loan and lease loss provision to assets | 0.6025% | 527 |
| Net operating income to assets | 0.3731% | 4,284 |
| Return on assets (ROA) | 0.3839% | 4,326 |
| Pretax return on assets | 0.5246% | 4,211 |
| Return on Equity (ROE) | 4.1838% | 4,056 |
| Retained earnings to average equity (ytd only) | 4.1838% | 2,829 |
| Net charge-offs to loans | 0.0101% | 2,588 |
| Credit loss provision to net charge-offs | 8,125.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 150.1591% | 532 |
| Efficiency ratio | 72.7411% | 1,596 |
| Assets per employee ($millions) | 7.5113% | 1,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3608% | 1,724 |
| Loan loss allowance to noncurrent loans | 310.1430% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 3,058 |
| Noncurrent loans to loans | 0.4388% | 2,841 |
| Net loans and leases to total assets | 70.5101% | 1,950 |
| Net loans and leases to deposits | 83.6370% | 2,029 |
| Net loans and leases to core deposits | 86.1341% | 2,422 |
| Total domestic deposits to total assets | 84.3048% | 2,636 |
| Equity capital to assets | 7.7631% | 4,815 |
| Core capital (leverage) ratio | 8.5493% | 4,345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,186,727,000 | 737 |
| Average earning assets | $1,125,289,667 | 720 |
| Average equity | $108,897,333 | 885 |
| Average total loans | $874,666,333 | 712 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5908% | 2,023 |
| Cost of funding earning assets | 0.5109% | 3,888 |
| Net interest margin | 4.0799% | 1,178 |
| Noninterest income to average assets | 0.8439% | 1,176 |
| Noninterest expense to average assets | 3.7363% | 681 |
| Loan and lease loss provision to assets | 0.4032% | 754 |
| Net operating income to assets | 0.4032% | 4,128 |
| Return on assets (ROA) | 0.4272% | 4,113 |
| Pretax return on assets | 0.5956% | 3,929 |
| Return on Equity (ROE) | 4.2205% | 3,895 |
| Retained earnings to average equity (ytd only) | 4.2205% | 2,597 |
| Net charge-offs to loans | 0.0234% | 1,898 |
| Credit loss provision to net charge-offs | 2,287.2340% | 314 |
| Earnings coverage of net charge-offs (x) | 54.9362% | 844 |
| Efficiency ratio | 78.6432% | 1,269 |
| Assets per employee ($millions) | 5.2962% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 1,774 |
| Loan loss allowance to noncurrent loans | 464.8284% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.2334% | 3,530 |
| Noncurrent loans to loans | 0.2967% | 3,435 |
| Net loans and leases to total assets | 77.5851% | 1,040 |
| Net loans and leases to deposits | 87.4893% | 1,809 |
| Net loans and leases to core deposits | 89.7435% | 2,372 |
| Total domestic deposits to total assets | 88.6795% | 810 |
| Equity capital to assets | 10.3836% | 3,437 |
| Core capital (leverage) ratio | 9.7747% | 3,679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,066,518,500 | 779 |
| Average earning assets | $1,009,246,500 | 753 |
| Average equity | $107,950,500 | 885 |
| Average total loans | $801,918,500 | 752 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 1,528 |
| Cost of funding earning assets | 0.6437% | 3,443 |
| Net interest margin | 4.3365% | 1,017 |
| Noninterest income to average assets | 1.4170% | 473 |
| Noninterest expense to average assets | 4.0814% | 487 |
| Loan and lease loss provision to assets | 0.0870% | 2,278 |
| Net operating income to assets | 0.9169% | 3,140 |
| Return on assets (ROA) | 0.9121% | 3,236 |
| Pretax return on assets | 1.2677% | 2,618 |
| Return on Equity (ROE) | 9.0704% | 2,718 |
| Retained earnings to average equity (ytd only) | 9.0704% | 691 |
| Net charge-offs to loans | 0.0984% | 1,742 |
| Credit loss provision to net charge-offs | 121.8663% | 2,083 |
| Earnings coverage of net charge-offs (x) | 19.0696% | 2,021 |
| Efficiency ratio | 74.2896% | 1,576 |
| Assets per employee ($millions) | 5.5896% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 1,799 |
| Loan loss allowance to noncurrent loans | 404.1781% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.2362% | 3,500 |
| Noncurrent loans to loans | 0.3288% | 3,259 |
| Net loans and leases to total assets | 70.8705% | 2,270 |
| Net loans and leases to deposits | 79.4853% | 2,839 |
| Net loans and leases to core deposits | 81.3962% | 3,192 |
| Total domestic deposits to total assets | 89.1617% | 606 |
| Equity capital to assets | 9.8686% | 4,041 |
| Core capital (leverage) ratio | 9.8823% | 3,639 |
| Tier 1 risk-based capital ratio | 11.5088% | 4,622 |
| Total risk-based capital ratio | 12.7252% | 4,518 |
| Memoranda: | ||
| Average total assets | $1,006,212,000 | 778 |
| Average earning assets | $933,980,800 | 766 |
| Average equity | $101,186,600 | 896 |
| Average total loans | $729,880,600 | 781 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0723% | 1,350 |
| Cost of funding earning assets | 0.6845% | 3,284 |
| Net interest margin | 4.3878% | 975 |
| Noninterest income to average assets | 1.1098% | 737 |
| Noninterest expense to average assets | 4.1229% | 459 |
| Loan and lease loss provision to assets | 0.0101% | 3,686 |
| Net operating income to assets | 0.7360% | 3,895 |
| Return on assets (ROA) | 0.7294% | 3,983 |
| Pretax return on assets | 1.0278% | 3,504 |
| Return on Equity (ROE) | 7.2166% | 3,605 |
| Retained earnings to average equity (ytd only) | 7.2166% | 1,750 |
| Net charge-offs to loans | 0.0477% | 2,155 |
| Credit loss provision to net charge-offs | 29.1829% | 2,918 |
| Earnings coverage of net charge-offs (x) | 30.1244% | 1,619 |
| Efficiency ratio | 79.0024% | 1,015 |
| Assets per employee ($millions) | 5.8099% | 1,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3417% | 1,794 |
| Loan loss allowance to noncurrent loans | 238.2675% | 1,824 |
| Noncurrent assets plus other real estate owned to assets | 0.4133% | 2,860 |
| Noncurrent loans to loans | 0.5631% | 2,611 |
| Net loans and leases to total assets | 72.4078% | 2,110 |
| Net loans and leases to deposits | 81.7043% | 2,723 |
| Net loans and leases to core deposits | 83.6171% | 3,129 |
| Total domestic deposits to total assets | 88.6217% | 772 |
| Equity capital to assets | 10.1614% | 3,861 |
| Core capital (leverage) ratio | 9.8258% | 3,820 |
| Tier 1 risk-based capital ratio | 11.6124% | 4,616 |
| Total risk-based capital ratio | 12.8388% | 4,526 |
| Memoranda: | ||
| Average total assets | $986,669,750 | 791 |
| Average earning assets | $912,776,250 | 787 |
| Average equity | $99,730,000 | 904 |
| Average total loans | $717,636,500 | 789 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 1,185 |
| Cost of funding earning assets | 0.7201% | 3,049 |
| Net interest margin | 4.3921% | 955 |
| Noninterest income to average assets | 1.1466% | 648 |
| Noninterest expense to average assets | 4.2435% | 389 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6748% | 4,083 |
| Return on assets (ROA) | 0.6649% | 4,169 |
| Pretax return on assets | 0.9352% | 3,756 |
| Return on Equity (ROE) | 6.5906% | 3,846 |
| Retained earnings to average equity (ytd only) | 6.5906% | 2,010 |
| Net charge-offs to loans | 0.0373% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 35.0606% | 1,335 |
| Efficiency ratio | 80.9862% | 887 |
| Assets per employee ($millions) | 5.6193% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 1,693 |
| Loan loss allowance to noncurrent loans | 220.7547% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 2,668 |
| Noncurrent loans to loans | 0.6258% | 2,381 |
| Net loans and leases to total assets | 73.4585% | 1,974 |
| Net loans and leases to deposits | 83.0485% | 2,598 |
| Net loans and leases to core deposits | 87.6659% | 2,832 |
| Total domestic deposits to total assets | 88.4525% | 897 |
| Equity capital to assets | 10.3270% | 3,669 |
| Core capital (leverage) ratio | 9.6488% | 3,981 |
| Tier 1 risk-based capital ratio | 11.6397% | 4,616 |
| Total risk-based capital ratio | 12.8897% | 4,510 |
| Memoranda: | ||
| Average total assets | $976,648,000 | 798 |
| Average earning assets | $899,378,670 | 796 |
| Average equity | $98,535,000 | 906 |
| Average total loans | $708,113,000 | 802 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8722% | 1,682 |
| Cost of funding earning assets | 0.7043% | 3,029 |
| Net interest margin | 4.1679% | 1,378 |
| Noninterest income to average assets | 1.0823% | 683 |
| Noninterest expense to average assets | 4.1090% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5721% | 4,328 |
| Return on assets (ROA) | 0.5721% | 4,359 |
| Pretax return on assets | 0.8270% | 3,976 |
| Return on Equity (ROE) | 5.7380% | 4,104 |
| Retained earnings to average equity (ytd only) | 5.7380% | 2,572 |
| Net charge-offs to loans | 0.0258% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 44.8444% | 1,085 |
| Efficiency ratio | 82.4491% | 835 |
| Assets per employee ($millions) | 5.0549% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4461% | 1,519 |
| Loan loss allowance to noncurrent loans | 133.8918% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.7851% | 1,794 |
| Noncurrent loans to loans | 1.0800% | 1,540 |
| Net loans and leases to total assets | 71.6405% | 2,222 |
| Net loans and leases to deposits | 81.0158% | 2,726 |
| Net loans and leases to core deposits | 85.3762% | 2,923 |
| Total domestic deposits to total assets | 88.4279% | 1,119 |
| Equity capital to assets | 10.1967% | 3,620 |
| Core capital (leverage) ratio | 9.6945% | 3,925 |
| Tier 1 risk-based capital ratio | 11.9855% | 4,469 |
| Total risk-based capital ratio | 13.2364% | 4,358 |
| Memoranda: | ||
| Average total assets | $976,094,500 | 803 |
| Average earning assets | $902,511,000 | 797 |
| Average equity | $97,316,000 | 908 |
| Average total loans | $698,016,500 | 817 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 1,534 |
| Cost of funding earning assets | 0.5006% | 3,350 |
| Net interest margin | 4.3063% | 1,139 |
| Noninterest income to average assets | 1.3576% | 495 |
| Noninterest expense to average assets | 4.0601% | 492 |
| Loan and lease loss provision to assets | 0.1085% | 2,026 |
| Net operating income to assets | 0.8203% | 3,726 |
| Return on assets (ROA) | 0.8203% | 3,731 |
| Pretax return on assets | 1.1635% | 3,048 |
| Return on Equity (ROE) | 7.9503% | 3,462 |
| Retained earnings to average equity (ytd only) | 7.9503% | 1,257 |
| Net charge-offs to loans | 0.0170% | 3,121 |
| Credit loss provision to net charge-offs | 902.7778% | 397 |
| Earnings coverage of net charge-offs (x) | 105.8056% | 717 |
| Efficiency ratio | 76.1445% | 1,345 |
| Assets per employee ($millions) | 5.5746% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4684% | 1,389 |
| Loan loss allowance to noncurrent loans | 234.8307% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.4399% | 2,806 |
| Noncurrent loans to loans | 0.6253% | 2,419 |
| Net loans and leases to total assets | 69.3229% | 2,689 |
| Net loans and leases to deposits | 77.8981% | 3,177 |
| Net loans and leases to core deposits | 81.8591% | 3,275 |
| Total domestic deposits to total assets | 88.9917% | 858 |
| Equity capital to assets | 9.7480% | 3,906 |
| Core capital (leverage) ratio | 9.7552% | 3,854 |
| Tier 1 risk-based capital ratio | 11.4334% | 4,753 |
| Total risk-based capital ratio | 12.6841% | 4,665 |
| Memoranda: | ||
| Average total assets | $898,346,800 | 851 |
| Average earning assets | $829,128,000 | 845 |
| Average equity | $92,688,000 | 909 |
| Average total loans | $636,050,800 | 851 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8106% | 1,399 |
| Cost of funding earning assets | 0.4699% | 3,393 |
| Net interest margin | 4.3406% | 1,032 |
| Noninterest income to average assets | 1.4195% | 470 |
| Noninterest expense to average assets | 4.0193% | 515 |
| Loan and lease loss provision to assets | 0.0951% | 2,074 |
| Net operating income to assets | 0.9239% | 3,414 |
| Return on assets (ROA) | 0.9239% | 3,420 |
| Pretax return on assets | 1.3063% | 2,604 |
| Return on Equity (ROE) | 8.8176% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.8176% | 1,294 |
| Net charge-offs to loans | -0.0197% | 4,616 |
| Credit loss provision to net charge-offs | -679.3478% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1474% | 1,574 |
| Assets per employee ($millions) | 5.1504% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5392% | 1,231 |
| Loan loss allowance to noncurrent loans | 224.3467% | 2,067 |
| Noncurrent assets plus other real estate owned to assets | 0.4883% | 2,741 |
| Noncurrent loans to loans | 0.6861% | 2,364 |
| Net loans and leases to total assets | 70.0805% | 2,632 |
| Net loans and leases to deposits | 79.2682% | 3,115 |
| Net loans and leases to core deposits | 82.8876% | 3,261 |
| Total domestic deposits to total assets | 88.4094% | 1,084 |
| Equity capital to assets | 10.2871% | 3,350 |
| Core capital (leverage) ratio | 9.7372% | 3,913 |
| Tier 1 risk-based capital ratio | 11.8002% | 4,603 |
| Total risk-based capital ratio | 13.0514% | 4,495 |
| Memoranda: | ||
| Average total assets | $876,255,500 | 867 |
| Average earning assets | $807,732,000 | 868 |
| Average equity | $91,813,750 | 914 |
| Average total loans | $621,510,750 | 866 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 1,540 |
| Cost of funding earning assets | 0.4118% | 3,634 |
| Net interest margin | 4.2726% | 1,101 |
| Noninterest income to average assets | 1.4922% | 432 |
| Noninterest expense to average assets | 4.0232% | 510 |
| Loan and lease loss provision to assets | 0.1449% | 1,323 |
| Net operating income to assets | 0.8960% | 3,469 |
| Return on assets (ROA) | 0.8960% | 3,477 |
| Pretax return on assets | 1.2618% | 2,665 |
| Return on Equity (ROE) | 8.4962% | 3,267 |
| Retained earnings to average equity (ytd only) | 8.4962% | 1,410 |
| Net charge-offs to loans | 0.5550% | 264 |
| Credit loss provision to net charge-offs | 36.8514% | 2,587 |
| Earnings coverage of net charge-offs (x) | 3.5778% | 2,864 |
| Efficiency ratio | 74.0938% | 1,697 |
| Assets per employee ($millions) | 5.4739% | 1,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3616% | 1,889 |
| Loan loss allowance to noncurrent loans | 818.2359% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1117% | 4,436 |
| Noncurrent loans to loans | 0.1664% | 4,161 |
| Net loans and leases to total assets | 66.2214% | 3,111 |
| Net loans and leases to deposits | 74.8664% | 3,452 |
| Net loans and leases to core deposits | 78.2866% | 3,555 |
| Total domestic deposits to total assets | 88.4527% | 1,166 |
| Equity capital to assets | 10.2390% | 3,400 |
| Core capital (leverage) ratio | 10.6095% | 2,916 |
| Tier 1 risk-based capital ratio | 12.1766% | 4,386 |
| Total risk-based capital ratio | 13.3579% | 4,309 |
| Memoranda: | ||
| Average total assets | $862,748,330 | 882 |
| Average earning assets | $795,106,330 | 881 |
| Average equity | $90,981,670 | 920 |
| Average total loans | $611,172,330 | 877 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8623% | 948 |
| Cost of funding earning assets | 0.4152% | 3,480 |
| Net interest margin | 4.4472% | 688 |
| Noninterest income to average assets | 1.3640% | 501 |
| Noninterest expense to average assets | 4.0868% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9756% | 2,964 |
| Return on assets (ROA) | 0.9756% | 2,991 |
| Pretax return on assets | 1.3711% | 2,097 |
| Return on Equity (ROE) | 9.1097% | 2,860 |
| Retained earnings to average equity (ytd only) | 9.1097% | 1,423 |
| Net charge-offs to loans | -0.0443% | 4,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8782% | 1,763 |
| Assets per employee ($millions) | 5.7876% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5278% | 1,355 |
| Loan loss allowance to noncurrent loans | 333.2742% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3454% | 3,461 |
| Noncurrent loans to loans | 0.4584% | 3,158 |
| Net loans and leases to total assets | 74.2053% | 1,824 |
| Net loans and leases to deposits | 93.6826% | 1,257 |
| Net loans and leases to core deposits | 102.6775% | 1,468 |
| Total domestic deposits to total assets | 79.2092% | 4,545 |
| Equity capital to assets | 11.1297% | 2,454 |
| Core capital (leverage) ratio | 10.6096% | 2,842 |
| Tier 1 risk-based capital ratio | 12.5505% | 4,212 |
| Total risk-based capital ratio | 13.8025% | 4,112 |
| Memoranda: | ||
| Average total assets | $842,526,000 | 910 |
| Average earning assets | $775,593,000 | 911 |
| Average equity | $90,233,500 | 936 |
| Average total loans | $613,577,000 | 879 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,420 |
| Cost of funding earning assets | 0.3159% | 3,994 |
| Net interest margin | 3.9566% | 1,894 |
| Noninterest income to average assets | 0.9948% | 1,029 |
| Noninterest expense to average assets | 3.9254% | 599 |
| Loan and lease loss provision to assets | -0.2291% | 5,591 |
| Net operating income to assets | 0.5294% | 4,298 |
| Return on assets (ROA) | 0.5294% | 4,328 |
| Pretax return on assets | 0.9687% | 3,678 |
| Return on Equity (ROE) | 5.0001% | 4,156 |
| Retained earnings to average equity (ytd only) | 5.0001% | 2,127 |
| Net charge-offs to loans | -0.4020% | 5,594 |
| Credit loss provision to net charge-offs | 82.4021% | 2,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1447% | 756 |
| Assets per employee ($millions) | 6.4851% | 1,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5235% | 1,328 |
| Loan loss allowance to noncurrent loans | 175.7821% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6106% | 2,505 |
| Noncurrent loans to loans | 0.8667% | 2,060 |
| Net loans and leases to total assets | 69.3761% | 2,620 |
| Net loans and leases to deposits | 90.2277% | 1,751 |
| Net loans and leases to core deposits | 98.4718% | 1,827 |
| Total domestic deposits to total assets | 76.8900% | 4,866 |
| Equity capital to assets | 10.3156% | 3,375 |
| Core capital (leverage) ratio | 10.5362% | 2,802 |
| Tier 1 risk-based capital ratio | 12.0447% | 4,495 |
| Total risk-based capital ratio | 13.2965% | 4,383 |
| Memoranda: | ||
| Average total assets | $817,668,000 | 914 |
| Average earning assets | $758,495,800 | 905 |
| Average equity | $86,578,800 | 944 |
| Average total loans | $565,424,000 | 914 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,556 |
| Cost of funding earning assets | 0.3150% | 3,987 |
| Net interest margin | 3.9010% | 2,040 |
| Noninterest income to average assets | 0.8822% | 1,325 |
| Noninterest expense to average assets | 3.7812% | 691 |
| Loan and lease loss provision to assets | -0.3100% | 5,695 |
| Net operating income to assets | 0.7063% | 3,949 |
| Return on assets (ROA) | 0.7063% | 4,011 |
| Pretax return on assets | 1.0330% | 3,558 |
| Return on Equity (ROE) | 6.6313% | 3,849 |
| Retained earnings to average equity (ytd only) | 6.6313% | 1,890 |
| Net charge-offs to loans | -0.5206% | 5,661 |
| Credit loss provision to net charge-offs | 86.6327% | 2,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9475% | 756 |
| Assets per employee ($millions) | 6.0645% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5609% | 1,327 |
| Loan loss allowance to noncurrent loans | 171.3648% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.6718% | 2,488 |
| Noncurrent loans to loans | 0.9108% | 2,109 |
| Net loans and leases to total assets | 72.6069% | 2,162 |
| Net loans and leases to deposits | 92.5891% | 1,484 |
| Net loans and leases to core deposits | 96.6060% | 2,015 |
| Total domestic deposits to total assets | 78.4183% | 4,641 |
| Equity capital to assets | 11.2124% | 2,657 |
| Core capital (leverage) ratio | 10.5132% | 2,976 |
| Tier 1 risk-based capital ratio | 12.6938% | 4,209 |
| Total risk-based capital ratio | 13.9463% | 4,103 |
| Memoranda: | ||
| Average total assets | $805,656,500 | 932 |
| Average earning assets | $748,022,500 | 927 |
| Average equity | $85,812,750 | 952 |
| Average total loans | $553,728,250 | 932 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1301% | 2,734 |
| Cost of funding earning assets | 0.3192% | 3,885 |
| Net interest margin | 3.8109% | 2,249 |
| Noninterest income to average assets | 0.6828% | 2,070 |
| Noninterest expense to average assets | 3.5032% | 1,006 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5717% | 4,421 |
| Return on assets (ROA) | 0.5717% | 4,478 |
| Pretax return on assets | 0.7090% | 4,525 |
| Return on Equity (ROE) | 5.4700% | 4,284 |
| Retained earnings to average equity (ytd only) | 5.4700% | 2,428 |
| Net charge-offs to loans | -0.0979% | 5,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1679% | 910 |
| Assets per employee ($millions) | 5.9880% | 1,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6862% | 1,086 |
| Loan loss allowance to noncurrent loans | 178.3123% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.6238% | 2,698 |
| Noncurrent loans to loans | 0.9456% | 2,071 |
| Net loans and leases to total assets | 64.8583% | 3,271 |
| Net loans and leases to deposits | 73.3749% | 3,610 |
| Net loans and leases to core deposits | 75.7430% | 3,796 |
| Total domestic deposits to total assets | 88.3929% | 1,260 |
| Equity capital to assets | 10.6406% | 3,181 |
| Core capital (leverage) ratio | 10.6646% | 2,744 |
| Tier 1 risk-based capital ratio | 13.4626% | 3,716 |
| Total risk-based capital ratio | 14.7160% | 3,632 |
| Memoranda: | ||
| Average total assets | $808,464,670 | 934 |
| Average earning assets | $748,741,000 | 930 |
| Average equity | $84,498,000 | 967 |
| Average total loans | $541,488,670 | 953 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 3,017 |
| Cost of funding earning assets | 0.3277% | 3,775 |
| Net interest margin | 3.6791% | 2,566 |
| Noninterest income to average assets | 0.7374% | 1,794 |
| Noninterest expense to average assets | 3.4160% | 1,165 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4538% | 4,763 |
| Return on assets (ROA) | 0.4538% | 4,784 |
| Pretax return on assets | 0.6969% | 4,461 |
| Return on Equity (ROE) | 4.3825% | 4,637 |
| Retained earnings to average equity (ytd only) | 4.3825% | 3,234 |
| Net charge-offs to loans | -0.1053% | 5,460 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0556% | 1,057 |
| Assets per employee ($millions) | 5.7544% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6592% | 1,228 |
| Loan loss allowance to noncurrent loans | 205.3442% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.6185% | 2,779 |
| Noncurrent loans to loans | 0.8080% | 2,433 |
| Net loans and leases to total assets | 68.1747% | 2,654 |
| Net loans and leases to deposits | 77.2941% | 3,049 |
| Net loans and leases to core deposits | 80.4944% | 3,242 |
| Total domestic deposits to total assets | 88.2017% | 1,595 |
| Equity capital to assets | 10.8144% | 2,840 |
| Core capital (leverage) ratio | 10.5224% | 2,878 |
| Tier 1 risk-based capital ratio | 14.2992% | 3,318 |
| Total risk-based capital ratio | 15.5543% | 3,234 |
| Memoranda: | ||
| Average total assets | $799,526,000 | 945 |
| Average earning assets | $733,558,500 | 947 |
| Average equity | $82,783,000 | 985 |
| Average total loans | $539,661,500 | 952 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9394% | 3,419 |
| Cost of funding earning assets | 0.3060% | 4,005 |
| Net interest margin | 3.6333% | 2,946 |
| Noninterest income to average assets | 0.6030% | 2,648 |
| Noninterest expense to average assets | 3.4554% | 1,245 |
| Loan and lease loss provision to assets | -0.1369% | 5,732 |
| Net operating income to assets | 0.3934% | 4,962 |
| Return on assets (ROA) | 0.3845% | 5,078 |
| Pretax return on assets | 0.5895% | 4,818 |
| Return on Equity (ROE) | 3.9581% | 4,846 |
| Retained earnings to average equity (ytd only) | 3.9581% | 3,103 |
| Net charge-offs to loans | -0.0997% | 5,596 |
| Credit loss provision to net charge-offs | 207.3643% | 1,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1082% | 668 |
| Assets per employee ($millions) | 5.9610% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6755% | 1,187 |
| Loan loss allowance to noncurrent loans | 668.6891% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 4,421 |
| Noncurrent loans to loans | 0.2506% | 4,256 |
| Net loans and leases to total assets | 64.6196% | 3,272 |
| Net loans and leases to deposits | 72.5285% | 3,656 |
| Net loans and leases to core deposits | 75.7483% | 3,767 |
| Total domestic deposits to total assets | 89.0955% | 1,067 |
| Equity capital to assets | 9.9063% | 3,809 |
| Core capital (leverage) ratio | 9.9559% | 3,541 |
| Tier 1 risk-based capital ratio | 13.1785% | 3,957 |
| Total risk-based capital ratio | 14.4334% | 3,880 |
| Memoranda: | ||
| Average total assets | $781,366,600 | 924 |
| Average earning assets | $713,696,200 | 933 |
| Average equity | $75,895,200 | 1,046 |
| Average total loans | $517,665,200 | 949 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 3,491 |
| Cost of funding earning assets | 0.3017% | 4,077 |
| Net interest margin | 3.6279% | 2,977 |
| Noninterest income to average assets | 0.6680% | 2,330 |
| Noninterest expense to average assets | 3.5491% | 1,066 |
| Loan and lease loss provision to assets | -0.0982% | 5,791 |
| Net operating income to assets | 0.3488% | 5,167 |
| Return on assets (ROA) | 0.3483% | 5,252 |
| Pretax return on assets | 0.5423% | 5,031 |
| Return on Equity (ROE) | 3.6046% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.6046% | 3,728 |
| Net charge-offs to loans | -0.1245% | 5,649 |
| Credit loss provision to net charge-offs | 118.7500% | 2,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8601% | 622 |
| Assets per employee ($millions) | 5.7709% | 1,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8159% | 987 |
| Loan loss allowance to noncurrent loans | 674.0847% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.2751% | 4,328 |
| Noncurrent loans to loans | 0.2694% | 4,298 |
| Net loans and leases to total assets | 64.2156% | 3,369 |
| Net loans and leases to deposits | 72.0870% | 3,797 |
| Net loans and leases to core deposits | 75.2358% | 3,902 |
| Total domestic deposits to total assets | 89.0807% | 864 |
| Equity capital to assets | 9.8766% | 4,270 |
| Core capital (leverage) ratio | 9.6444% | 4,002 |
| Tier 1 risk-based capital ratio | 12.8468% | 4,254 |
| Total risk-based capital ratio | 14.1031% | 4,160 |
| Memoranda: | ||
| Average total assets | $774,034,500 | 930 |
| Average earning assets | $709,630,500 | 940 |
| Average equity | $74,791,500 | 1,068 |
| Average total loans | $513,882,750 | 954 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8867% | 3,641 |
| Cost of funding earning assets | 0.2953% | 4,191 |
| Net interest margin | 3.5914% | 3,131 |
| Noninterest income to average assets | 0.6941% | 2,168 |
| Noninterest expense to average assets | 3.4940% | 1,170 |
| Loan and lease loss provision to assets | -0.0182% | 5,780 |
| Net operating income to assets | 0.3345% | 5,226 |
| Return on assets (ROA) | 0.3336% | 5,309 |
| Pretax return on assets | 0.5366% | 5,054 |
| Return on Equity (ROE) | 3.4793% | 5,101 |
| Retained earnings to average equity (ytd only) | 3.4793% | 3,679 |
| Net charge-offs to loans | -0.1463% | 5,733 |
| Credit loss provision to net charge-offs | 18.6667% | 2,936 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0518% | 787 |
| Assets per employee ($millions) | 6.1258% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8798% | 933 |
| Loan loss allowance to noncurrent loans | 608.8363% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.3071% | 4,274 |
| Noncurrent loans to loans | 0.3088% | 4,259 |
| Net loans and leases to total assets | 65.6444% | 3,129 |
| Net loans and leases to deposits | 77.0513% | 3,264 |
| Net loans and leases to core deposits | 81.5419% | 3,312 |
| Total domestic deposits to total assets | 85.1956% | 2,787 |
| Equity capital to assets | 9.9619% | 4,275 |
| Core capital (leverage) ratio | 9.7352% | 3,886 |
| Tier 1 risk-based capital ratio | 13.0662% | 4,166 |
| Total risk-based capital ratio | 14.3237% | 4,078 |
| Memoranda: | ||
| Average total assets | $768,509,330 | 934 |
| Average earning assets | $710,373,330 | 939 |
| Average equity | $73,693,670 | 1,083 |
| Average total loans | $512,815,330 | 953 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 2,695 |
| Cost of funding earning assets | 0.4091% | 2,976 |
| Net interest margin | 3.7295% | 2,559 |
| Noninterest income to average assets | 0.5237% | 2,966 |
| Noninterest expense to average assets | 2.9170% | 2,651 |
| Loan and lease loss provision to assets | -0.0826% | 5,972 |
| Net operating income to assets | 0.7009% | 3,704 |
| Return on assets (ROA) | 0.6971% | 3,843 |
| Pretax return on assets | 1.1678% | 2,828 |
| Return on Equity (ROE) | 6.4980% | 3,727 |
| Retained earnings to average equity (ytd only) | 6.4980% | 2,133 |
| Net charge-offs to loans | -0.3954% | 5,966 |
| Credit loss provision to net charge-offs | 29.0456% | 2,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7781% | 2,687 |
| Assets per employee ($millions) | 6.9962% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 2,453 |
| Loan loss allowance to noncurrent loans | 706.9530% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.3633% | 4,112 |
| Noncurrent loans to loans | 0.1972% | 4,709 |
| Net loans and leases to total assets | 69.8854% | 2,359 |
| Net loans and leases to deposits | 89.8544% | 1,592 |
| Net loans and leases to core deposits | 106.2503% | 1,063 |
| Total domestic deposits to total assets | 77.7762% | 5,183 |
| Equity capital to assets | 10.5211% | 3,467 |
| Core capital (leverage) ratio | 10.7546% | 2,671 |
| Tier 1 risk-based capital ratio | 12.3887% | 4,661 |
| Total risk-based capital ratio | 13.6393% | 4,560 |
| Memoranda: | ||
| Average total assets | $339,112,500 | 1,971 |
| Average earning assets | $316,824,000 | 1,957 |
| Average equity | $36,380,500 | 2,019 |
| Average total loans | $243,811,000 | 1,838 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6742% | 4,445 |
| Cost of funding earning assets | 0.4318% | 2,833 |
| Net interest margin | 3.2424% | 4,497 |
| Noninterest income to average assets | 0.3710% | 4,260 |
| Noninterest expense to average assets | 2.6743% | 3,674 |
| Loan and lease loss provision to assets | -0.1615% | 5,935 |
| Net operating income to assets | 0.5404% | 4,538 |
| Return on assets (ROA) | 0.5183% | 4,704 |
| Pretax return on assets | 0.8450% | 4,042 |
| Return on Equity (ROE) | 4.7764% | 4,619 |
| Retained earnings to average equity (ytd only) | 4.7764% | 2,599 |
| Net charge-offs to loans | -0.0913% | 5,749 |
| Credit loss provision to net charge-offs | 279.2553% | 1,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8357% | 1,840 |
| Assets per employee ($millions) | 6.9876% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 2,553 |
| Loan loss allowance to noncurrent loans | 219.0667% | 2,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 2,905 |
| Noncurrent loans to loans | 0.6258% | 3,309 |
| Net loans and leases to total assets | 71.9861% | 2,053 |
| Net loans and leases to deposits | 87.0410% | 1,998 |
| Net loans and leases to core deposits | 99.9307% | 1,500 |
| Total domestic deposits to total assets | 82.7036% | 3,941 |
| Equity capital to assets | 10.9486% | 2,875 |
| Core capital (leverage) ratio | 11.1212% | 2,290 |
| Tier 1 risk-based capital ratio | 12.7164% | 4,497 |
| Total risk-based capital ratio | 13.9670% | 4,401 |
| Memoranda: | ||
| Average total assets | $325,091,800 | 2,019 |
| Average earning assets | $302,926,600 | 2,002 |
| Average equity | $35,277,600 | 2,025 |
| Average total loans | $205,950,600 | 2,020 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5768% | 4,804 |
| Cost of funding earning assets | 0.4379% | 2,822 |
| Net interest margin | 3.1389% | 4,846 |
| Noninterest income to average assets | 0.3487% | 4,444 |
| Noninterest expense to average assets | 2.5316% | 4,099 |
| Loan and lease loss provision to assets | -0.1234% | 6,034 |
| Net operating income to assets | 0.5411% | 4,626 |
| Return on assets (ROA) | 0.5411% | 4,721 |
| Pretax return on assets | 0.8585% | 4,142 |
| Return on Equity (ROE) | 4.9978% | 4,628 |
| Retained earnings to average equity (ytd only) | 4.9978% | 2,919 |
| Net charge-offs to loans | -0.3767% | 6,118 |
| Credit loss provision to net charge-offs | 53.7634% | 2,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4953% | 2,021 |
| Assets per employee ($millions) | 6.9838% | 881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 1,395 |
| Loan loss allowance to noncurrent loans | 187.6692% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.8908% | 2,645 |
| Noncurrent loans to loans | 0.9258% | 2,661 |
| Net loans and leases to total assets | 66.8736% | 2,867 |
| Net loans and leases to deposits | 80.8513% | 2,785 |
| Net loans and leases to core deposits | 91.3340% | 2,331 |
| Total domestic deposits to total assets | 82.7119% | 3,914 |
| Equity capital to assets | 10.8827% | 3,149 |
| Core capital (leverage) ratio | 11.2968% | 2,201 |
| Tier 1 risk-based capital ratio | 12.7681% | 4,567 |
| Total risk-based capital ratio | 14.0215% | 4,475 |
| Memoranda: | ||
| Average total assets | $324,261,000 | 2,039 |
| Average earning assets | $301,452,750 | 2,027 |
| Average equity | $35,107,750 | 2,048 |
| Average total loans | $197,513,500 | 2,101 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4739% | 5,055 |
| Cost of funding earning assets | 0.4462% | 2,775 |
| Net interest margin | 3.0277% | 5,159 |
| Noninterest income to average assets | 0.3431% | 4,500 |
| Noninterest expense to average assets | 2.5330% | 4,129 |
| Loan and lease loss provision to assets | -0.1858% | 6,173 |
| Net operating income to assets | 0.5394% | 4,610 |
| Return on assets (ROA) | 0.5394% | 4,720 |
| Pretax return on assets | 0.8070% | 4,297 |
| Return on Equity (ROE) | 4.9909% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.9909% | 2,872 |
| Net charge-offs to loans | -0.7475% | 6,241 |
| Credit loss provision to net charge-offs | 42.4929% | 2,782 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3063% | 1,714 |
| Assets per employee ($millions) | 6.9661% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0405% | 925 |
| Loan loss allowance to noncurrent loans | 133.8538% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 1.2380% | 2,037 |
| Noncurrent loans to loans | 1.5245% | 1,744 |
| Net loans and leases to total assets | 60.3603% | 3,777 |
| Net loans and leases to deposits | 70.6289% | 3,859 |
| Net loans and leases to core deposits | 79.5468% | 3,439 |
| Total domestic deposits to total assets | 85.4612% | 2,941 |
| Equity capital to assets | 10.9924% | 2,889 |
| Core capital (leverage) ratio | 11.2787% | 2,182 |
| Tier 1 risk-based capital ratio | 13.5648% | 4,184 |
| Total risk-based capital ratio | 14.8200% | 4,107 |
| Memoranda: | ||
| Average total assets | $322,935,670 | 2,057 |
| Average earning assets | $299,836,330 | 2,047 |
| Average equity | $34,903,330 | 2,062 |
| Average total loans | $188,889,670 | 2,191 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3675% | 5,289 |
| Cost of funding earning assets | 0.4581% | 2,696 |
| Net interest margin | 2.9094% | 5,435 |
| Noninterest income to average assets | 0.5367% | 3,044 |
| Noninterest expense to average assets | 2.4875% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4775% | 4,774 |
| Return on assets (ROA) | 0.4775% | 4,888 |
| Pretax return on assets | 0.7527% | 4,418 |
| Return on Equity (ROE) | 4.4556% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.4556% | 3,346 |
| Net charge-offs to loans | -0.0823% | 5,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7708% | 2,381 |
| Assets per employee ($millions) | 7.5716% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 1,270 |
| Loan loss allowance to noncurrent loans | 120.6658% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 1.2258% | 2,184 |
| Noncurrent loans to loans | 1.5797% | 1,768 |
| Net loans and leases to total assets | 57.8650% | 3,960 |
| Net loans and leases to deposits | 70.0238% | 3,747 |
| Net loans and leases to core deposits | 78.1315% | 3,365 |
| Total domestic deposits to total assets | 82.6362% | 4,295 |
| Equity capital to assets | 10.7350% | 3,284 |
| Core capital (leverage) ratio | 10.8607% | 2,562 |
| Tier 1 risk-based capital ratio | 13.4823% | 4,330 |
| Total risk-based capital ratio | 14.7345% | 4,249 |
| Memoranda: | ||
| Average total assets | $324,184,000 | 2,057 |
| Average earning assets | $301,234,000 | 2,046 |
| Average equity | $34,743,000 | 2,082 |
| Average total loans | $184,611,000 | 2,234 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6873% | 4,822 |
| Cost of funding earning assets | 0.4063% | 3,628 |
| Net interest margin | 3.2810% | 4,653 |
| Noninterest income to average assets | 0.4826% | 3,631 |
| Noninterest expense to average assets | 3.2068% | 2,196 |
| Loan and lease loss provision to assets | 0.1487% | 1,764 |
| Net operating income to assets | 0.1314% | 5,911 |
| Return on assets (ROA) | 0.1511% | 5,918 |
| Pretax return on assets | 0.1803% | 5,902 |
| Return on Equity (ROE) | 1.1041% | 5,955 |
| Retained earnings to average equity (ytd only) | 1.1041% | 5,279 |
| Net charge-offs to loans | 0.2893% | 1,504 |
| Credit loss provision to net charge-offs | 90.3941% | 2,641 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 4,319 |
| Efficiency ratio | 91.3013% | 759 |
| Assets per employee ($millions) | 7.8723% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0450% | 1,033 |
| Loan loss allowance to noncurrent loans | 131.3633% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 1.1510% | 2,464 |
| Noncurrent loans to loans | 1.5567% | 1,880 |
| Net loans and leases to total assets | 53.7670% | 4,606 |
| Net loans and leases to deposits | 67.4273% | 4,180 |
| Net loans and leases to core deposits | 75.4631% | 3,769 |
| Total domestic deposits to total assets | 79.7407% | 5,082 |
| Equity capital to assets | 10.6954% | 3,245 |
| Core capital (leverage) ratio | 11.5325% | 1,954 |
| Tier 1 risk-based capital ratio | 13.9212% | 4,153 |
| Total risk-based capital ratio | 15.1747% | 4,084 |
| Memoranda: | ||
| Average total assets | $246,787,600 | 2,553 |
| Average earning assets | $227,888,800 | 2,537 |
| Average equity | $33,782,600 | 2,064 |
| Average total loans | $140,345,200 | 2,709 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 4,353 |
| Cost of funding earning assets | 0.4110% | 3,670 |
| Net interest margin | 3.4438% | 4,046 |
| Noninterest income to average assets | 0.5847% | 2,966 |
| Noninterest expense to average assets | 3.4890% | 1,482 |
| Loan and lease loss provision to assets | 0.1387% | 1,801 |
| Net operating income to assets | 0.1139% | 6,010 |
| Return on assets (ROA) | 0.1434% | 5,991 |
| Pretax return on assets | 0.1639% | 5,994 |
| Return on Equity (ROE) | 0.9723% | 6,033 |
| Retained earnings to average equity (ytd only) | 0.9723% | 5,495 |
| Net charge-offs to loans | 0.4168% | 951 |
| Credit loss provision to net charge-offs | 57.8049% | 2,976 |
| Earnings coverage of net charge-offs (x) | 1.1195% | 4,224 |
| Efficiency ratio | 92.8505% | 657 |
| Assets per employee ($millions) | 8.1092% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4758% | 667 |
| Loan loss allowance to noncurrent loans | 77.4473% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 2.0411% | 1,388 |
| Noncurrent loans to loans | 3.1968% | 793 |
| Net loans and leases to total assets | 51.3576% | 4,864 |
| Net loans and leases to deposits | 67.8234% | 4,147 |
| Net loans and leases to core deposits | 79.4471% | 3,382 |
| Total domestic deposits to total assets | 75.7225% | 5,856 |
| Equity capital to assets | 12.6539% | 1,606 |
| Core capital (leverage) ratio | 13.2169% | 1,094 |
| Tier 1 risk-based capital ratio | 17.3650% | 2,443 |
| Total risk-based capital ratio | 18.6215% | 2,401 |
| Memoranda: | ||
| Average total assets | $227,793,250 | 2,735 |
| Average earning assets | $209,880,750 | 2,730 |
| Average equity | $33,598,000 | 2,075 |
| Average total loans | $131,140,500 | 2,852 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0354% | 3,601 |
| Cost of funding earning assets | 0.4190% | 3,673 |
| Net interest margin | 3.6163% | 3,294 |
| Noninterest income to average assets | 0.6405% | 2,599 |
| Noninterest expense to average assets | 3.6276% | 1,243 |
| Loan and lease loss provision to assets | 0.1650% | 1,487 |
| Net operating income to assets | 0.1594% | 5,932 |
| Return on assets (ROA) | 0.1594% | 5,970 |
| Pretax return on assets | 0.1949% | 5,956 |
| Return on Equity (ROE) | 1.0206% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.0206% | 5,348 |
| Net charge-offs to loans | 0.4489% | 903 |
| Credit loss provision to net charge-offs | 61.6725% | 2,611 |
| Earnings coverage of net charge-offs (x) | 1.3449% | 3,837 |
| Efficiency ratio | 90.9750% | 836 |
| Assets per employee ($millions) | 6.7151% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6645% | 557 |
| Loan loss allowance to noncurrent loans | 76.3378% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 2.7279% | 962 |
| Noncurrent loans to loans | 3.4904% | 764 |
| Net loans and leases to total assets | 58.5549% | 3,916 |
| Net loans and leases to deposits | 74.6455% | 3,247 |
| Net loans and leases to core deposits | 91.4026% | 1,987 |
| Total domestic deposits to total assets | 78.4439% | 5,562 |
| Equity capital to assets | 15.1928% | 658 |
| Core capital (leverage) ratio | 15.8527% | 498 |
| Tier 1 risk-based capital ratio | 18.7765% | 1,982 |
| Total risk-based capital ratio | 20.0350% | 1,939 |
| Memoranda: | ||
| Average total assets | $214,523,670 | 2,871 |
| Average earning assets | $198,544,670 | 2,851 |
| Average equity | $33,510,000 | 2,065 |
| Average total loans | $127,879,670 | 2,906 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 3,801 |
| Cost of funding earning assets | 0.4346% | 3,602 |
| Net interest margin | 3.5377% | 3,532 |
| Noninterest income to average assets | 0.1820% | 5,874 |
| Noninterest expense to average assets | 3.3519% | 1,817 |
| Loan and lease loss provision to assets | 0.1460% | 1,669 |
| Net operating income to assets | 0.0303% | 6,166 |
| Return on assets (ROA) | 0.0303% | 6,184 |
| Pretax return on assets | 0.0019% | 6,214 |
| Return on Equity (ROE) | 0.1914% | 6,201 |
| Retained earnings to average equity (ytd only) | 0.1914% | 5,488 |
| Net charge-offs to loans | 0.7127% | 498 |
| Credit loss provision to net charge-offs | 34.5291% | 2,359 |
| Earnings coverage of net charge-offs (x) | 0.3498% | 3,367 |
| Efficiency ratio | 95.7746% | 655 |
| Assets per employee ($millions) | 6.2157% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6292% | 692 |
| Loan loss allowance to noncurrent loans | 104.3646% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 2.4396% | 1,320 |
| Noncurrent loans to loans | 2.5192% | 1,371 |
| Net loans and leases to total assets | 63.4636% | 2,988 |
| Net loans and leases to deposits | 76.3639% | 2,773 |
| Net loans and leases to core deposits | 91.9725% | 1,732 |
| Total domestic deposits to total assets | 83.1069% | 4,572 |
| Equity capital to assets | 16.3144% | 482 |
| Core capital (leverage) ratio | 15.6244% | 523 |
| Tier 1 risk-based capital ratio | 18.5474% | 2,110 |
| Total risk-based capital ratio | 19.8062% | 2,069 |
| Memoranda: | ||
| Average total assets | $210,986,000 | 2,916 |
| Average earning assets | $197,868,500 | 2,872 |
| Average equity | $33,431,500 | 2,066 |
| Average total loans | $125,165,000 | 2,968 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 4,768 |
| Cost of funding earning assets | 0.4145% | 4,486 |
| Net interest margin | 3.3989% | 4,277 |
| Noninterest income to average assets | 0.7096% | 2,489 |
| Noninterest expense to average assets | 3.4862% | 1,687 |
| Loan and lease loss provision to assets | 0.5841% | 439 |
| Net operating income to assets | -0.1004% | 6,302 |
| Return on assets (ROA) | -0.0998% | 6,321 |
| Pretax return on assets | -0.1991% | 6,350 |
| Return on Equity (ROE) | -0.5983% | 6,302 |
| Retained earnings to average equity (ytd only) | -0.5983% | 5,990 |
| Net charge-offs to loans | 0.8878% | 689 |
| Credit loss provision to net charge-offs | 122.3602% | 1,940 |
| Earnings coverage of net charge-offs (x) | 0.8043% | 4,815 |
| Efficiency ratio | 90.0792% | 1,017 |
| Assets per employee ($millions) | 7.4777% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1396% | 403 |
| Loan loss allowance to noncurrent loans | 89.5136% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 2.6410% | 1,275 |
| Noncurrent loans to loans | 3.5074% | 891 |
| Net loans and leases to total assets | 52.0984% | 4,837 |
| Net loans and leases to deposits | 61.9748% | 4,726 |
| Net loans and leases to core deposits | 73.5245% | 3,892 |
| Total domestic deposits to total assets | 84.0639% | 4,142 |
| Equity capital to assets | 15.4017% | 603 |
| Core capital (leverage) ratio | 16.6719% | 401 |
| Tier 1 risk-based capital ratio | 20.5347% | 1,531 |
| Total risk-based capital ratio | 21.7973% | 1,504 |
| Memoranda: | ||
| Average total assets | $202,370,000 | 3,010 |
| Average earning assets | $188,176,000 | 2,976 |
| Average equity | $33,762,200 | 2,036 |
| Average total loans | $108,808,000 | 3,266 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9645% | 4,261 |
| Cost of funding earning assets | 0.4234% | 4,577 |
| Net interest margin | 3.5411% | 3,706 |
| Noninterest income to average assets | 0.8768% | 1,837 |
| Noninterest expense to average assets | 3.2147% | 2,324 |
| Loan and lease loss provision to assets | 0.5347% | 499 |
| Net operating income to assets | 0.2456% | 5,791 |
| Return on assets (ROA) | 0.2422% | 5,889 |
| Pretax return on assets | 0.3817% | 5,678 |
| Return on Equity (ROE) | 1.4218% | 6,094 |
| Retained earnings to average equity (ytd only) | 1.4218% | 5,416 |
| Net charge-offs to loans | 1.2478% | 430 |
| Credit loss provision to net charge-offs | 79.7000% | 2,860 |
| Earnings coverage of net charge-offs (x) | 1.3740% | 4,376 |
| Efficiency ratio | 77.7165% | 2,460 |
| Assets per employee ($millions) | 6.3778% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0608% | 511 |
| Loan loss allowance to noncurrent loans | 96.6607% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 2.7855% | 1,345 |
| Noncurrent loans to loans | 3.1666% | 1,244 |
| Net loans and leases to total assets | 55.5140% | 4,393 |
| Net loans and leases to deposits | 68.4436% | 4,009 |
| Net loans and leases to core deposits | 84.1649% | 2,632 |
| Total domestic deposits to total assets | 81.1091% | 5,190 |
| Equity capital to assets | 18.3821% | 301 |
| Core capital (leverage) ratio | 17.8345% | 314 |
| Tier 1 risk-based capital ratio | 22.8274% | 1,176 |
| Total risk-based capital ratio | 24.0884% | 1,154 |
| Memoranda: | ||
| Average total assets | $198,749,250 | 3,073 |
| Average earning assets | $182,951,750 | 3,070 |
| Average equity | $33,853,000 | 2,050 |
| Average total loans | $106,850,250 | 3,329 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9503% | 4,293 |
| Cost of funding earning assets | 0.4241% | 4,716 |
| Net interest margin | 3.5262% | 3,671 |
| Noninterest income to average assets | 1.2009% | 1,060 |
| Noninterest expense to average assets | 3.1955% | 2,366 |
| Loan and lease loss provision to assets | 0.4337% | 683 |
| Net operating income to assets | 0.4890% | 4,846 |
| Return on assets (ROA) | 0.4859% | 5,035 |
| Pretax return on assets | 0.7967% | 4,324 |
| Return on Equity (ROE) | 2.9227% | 5,647 |
| Retained earnings to average equity (ytd only) | 2.9227% | 4,449 |
| Net charge-offs to loans | 0.3826% | 1,688 |
| Credit loss provision to net charge-offs | 215.1220% | 1,126 |
| Earnings coverage of net charge-offs (x) | 6.1268% | 2,770 |
| Efficiency ratio | 72.1199% | 3,447 |
| Assets per employee ($millions) | 6.7377% | 812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3577% | 417 |
| Loan loss allowance to noncurrent loans | 85.3466% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 3.1439% | 1,266 |
| Noncurrent loans to loans | 3.9341% | 1,003 |
| Net loans and leases to total assets | 54.2235% | 4,559 |
| Net loans and leases to deposits | 66.2488% | 4,238 |
| Net loans and leases to core deposits | 80.7390% | 2,947 |
| Total domestic deposits to total assets | 81.8484% | 5,096 |
| Equity capital to assets | 17.5139% | 364 |
| Core capital (leverage) ratio | 17.0006% | 369 |
| Tier 1 risk-based capital ratio | 22.7378% | 1,178 |
| Total risk-based capital ratio | 24.0024% | 1,153 |
| Memoranda: | ||
| Average total assets | $203,346,670 | 3,033 |
| Average earning assets | $186,263,670 | 3,034 |
| Average equity | $33,804,330 | 2,061 |
| Average total loans | $107,160,670 | 3,336 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8710% | 4,583 |
| Cost of funding earning assets | 0.4280% | 4,835 |
| Net interest margin | 3.4430% | 3,944 |
| Noninterest income to average assets | 0.1910% | 6,107 |
| Noninterest expense to average assets | 3.0812% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1447% | 6,058 |
| Return on assets (ROA) | 0.1447% | 6,155 |
| Pretax return on assets | 0.2142% | 6,048 |
| Return on Equity (ROE) | 0.8930% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.8930% | 5,489 |
| Net charge-offs to loans | 1.0309% | 592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.4066% | 3,677 |
| Efficiency ratio | 93.5012% | 872 |
| Assets per employee ($millions) | 7.7810% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0296% | 641 |
| Loan loss allowance to noncurrent loans | 71.5865% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 6.6172% | 447 |
| Noncurrent loans to loans | 4.2320% | 1,030 |
| Net loans and leases to total assets | 50.1866% | 4,969 |
| Net loans and leases to deposits | 60.5394% | 4,729 |
| Net loans and leases to core deposits | 74.5804% | 3,508 |
| Total domestic deposits to total assets | 82.8991% | 4,889 |
| Equity capital to assets | 16.6234% | 479 |
| Core capital (leverage) ratio | 15.9801% | 464 |
| Tier 1 risk-based capital ratio | 21.8046% | 1,373 |
| Total risk-based capital ratio | 23.0648% | 1,339 |
| Memoranda: | ||
| Average total assets | $207,323,500 | 3,008 |
| Average earning assets | $186,929,000 | 3,057 |
| Average equity | $33,596,000 | 2,103 |
| Average total loans | $105,926,000 | 3,384 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 4,394 |
| Cost of funding earning assets | 0.6137% | 4,222 |
| Net interest margin | 3.6390% | 3,924 |
| Noninterest income to average assets | 0.6746% | 2,857 |
| Noninterest expense to average assets | 3.1502% | 2,771 |
| Loan and lease loss provision to assets | 0.3211% | 2,127 |
| Net operating income to assets | 0.2848% | 5,518 |
| Return on assets (ROA) | 0.2698% | 5,787 |
| Pretax return on assets | 0.4864% | 5,321 |
| Return on Equity (ROE) | 1.9725% | 5,911 |
| Retained earnings to average equity (ytd only) | 1.9725% | 4,835 |
| Net charge-offs to loans | 1.4278% | 640 |
| Credit loss provision to net charge-offs | 42.6674% | 4,879 |
| Earnings coverage of net charge-offs (x) | 1.1040% | 4,908 |
| Efficiency ratio | 79.1318% | 2,260 |
| Assets per employee ($millions) | 8.1670% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2151% | 543 |
| Loan loss allowance to noncurrent loans | 158.2453% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 5.4073% | 697 |
| Noncurrent loans to loans | 2.0317% | 2,663 |
| Net loans and leases to total assets | 48.8387% | 5,326 |
| Net loans and leases to deposits | 58.3419% | 5,201 |
| Net loans and leases to core deposits | 69.9226% | 4,324 |
| Total domestic deposits to total assets | 83.7112% | 4,438 |
| Equity capital to assets | 15.8056% | 588 |
| Core capital (leverage) ratio | 14.2139% | 741 |
| Tier 1 risk-based capital ratio | 20.2120% | 1,626 |
| Total risk-based capital ratio | 21.4729% | 1,597 |
| Memoranda: | ||
| Average total assets | $240,144,800 | 2,633 |
| Average earning assets | $218,191,400 | 2,629 |
| Average equity | $32,851,000 | 2,100 |
| Average total loans | $126,561,600 | 2,938 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1805% | 4,885 |
| Cost of funding earning assets | 0.6425% | 4,259 |
| Net interest margin | 3.5380% | 4,494 |
| Noninterest income to average assets | 0.7900% | 2,280 |
| Noninterest expense to average assets | 3.0077% | 3,205 |
| Loan and lease loss provision to assets | 0.4160% | 1,540 |
| Net operating income to assets | 0.3353% | 5,495 |
| Return on assets (ROA) | 0.3405% | 5,676 |
| Pretax return on assets | 0.5892% | 5,200 |
| Return on Equity (ROE) | 2.5749% | 5,856 |
| Retained earnings to average equity (ytd only) | 2.5749% | 5,024 |
| Net charge-offs to loans | 1.3413% | 689 |
| Credit loss provision to net charge-offs | 58.3207% | 4,198 |
| Earnings coverage of net charge-offs (x) | 1.3979% | 4,597 |
| Efficiency ratio | 75.1011% | 2,811 |
| Assets per employee ($millions) | 8.7346% | 364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2970% | 552 |
| Loan loss allowance to noncurrent loans | 132.0901% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 6.0594% | 656 |
| Noncurrent loans to loans | 2.4960% | 2,303 |
| Net loans and leases to total assets | 50.7697% | 5,216 |
| Net loans and leases to deposits | 61.3379% | 5,038 |
| Net loans and leases to core deposits | 75.1543% | 3,829 |
| Total domestic deposits to total assets | 82.7706% | 4,735 |
| Equity capital to assets | 14.6794% | 916 |
| Core capital (leverage) ratio | 13.5505% | 998 |
| Tier 1 risk-based capital ratio | 18.1618% | 2,279 |
| Total risk-based capital ratio | 19.4235% | 2,251 |
| Memoranda: | ||
| Average total assets | $247,095,500 | 2,585 |
| Average earning assets | $224,530,500 | 2,595 |
| Average equity | $32,673,250 | 2,130 |
| Average total loans | $131,414,500 | 2,892 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1616% | 5,081 |
| Cost of funding earning assets | 0.6678% | 4,296 |
| Net interest margin | 3.4938% | 4,694 |
| Noninterest income to average assets | 0.2483% | 5,804 |
| Noninterest expense to average assets | 3.0344% | 3,140 |
| Loan and lease loss provision to assets | 0.6077% | 975 |
| Net operating income to assets | -0.1264% | 6,465 |
| Return on assets (ROA) | -0.1032% | 6,541 |
| Pretax return on assets | -0.1781% | 6,577 |
| Return on Equity (ROE) | -0.8073% | 6,528 |
| Retained earnings to average equity (ytd only) | -0.8073% | 6,181 |
| Net charge-offs to loans | 2.0564% | 392 |
| Credit loss provision to net charge-offs | 55.3482% | 3,921 |
| Earnings coverage of net charge-offs (x) | 0.3582% | 4,900 |
| Efficiency ratio | 88.5261% | 1,188 |
| Assets per employee ($millions) | 9.9086% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9252% | 847 |
| Loan loss allowance to noncurrent loans | 62.2581% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 7.3492% | 506 |
| Noncurrent loans to loans | 4.6986% | 1,099 |
| Net loans and leases to total assets | 51.7108% | 5,135 |
| Net loans and leases to deposits | 62.7901% | 4,901 |
| Net loans and leases to core deposits | 75.6562% | 3,796 |
| Total domestic deposits to total assets | 82.3551% | 4,996 |
| Equity capital to assets | 13.0970% | 1,470 |
| Core capital (leverage) ratio | 12.5431% | 1,333 |
| Tier 1 risk-based capital ratio | 16.1383% | 3,103 |
| Total risk-based capital ratio | 17.3971% | 3,060 |
| Memoranda: | ||
| Average total assets | $253,760,670 | 2,512 |
| Average earning assets | $230,920,330 | 2,515 |
| Average equity | $32,452,000 | 2,122 |
| Average total loans | $135,476,330 | 2,828 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0783% | 5,530 |
| Cost of funding earning assets | 0.7141% | 4,162 |
| Net interest margin | 3.3642% | 5,250 |
| Noninterest income to average assets | 0.2477% | 5,874 |
| Noninterest expense to average assets | 2.3724% | 5,565 |
| Loan and lease loss provision to assets | 1.2010% | 318 |
| Net operating income to assets | -0.1449% | 6,576 |
| Return on assets (ROA) | -0.1449% | 6,643 |
| Pretax return on assets | -0.2508% | 6,697 |
| Return on Equity (ROE) | -1.1461% | 6,637 |
| Retained earnings to average equity (ytd only) | -1.1461% | 6,175 |
| Net charge-offs to loans | 3.7366% | 164 |
| Credit loss provision to net charge-offs | 60.1404% | 3,109 |
| Earnings coverage of net charge-offs (x) | 0.4758% | 4,103 |
| Efficiency ratio | 71.4018% | 3,554 |
| Assets per employee ($millions) | 10.0469% | 234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9595% | 864 |
| Loan loss allowance to noncurrent loans | 33.4879% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 8.7103% | 414 |
| Noncurrent loans to loans | 8.8374% | 401 |
| Net loans and leases to total assets | 51.8404% | 5,043 |
| Net loans and leases to deposits | 62.7181% | 4,808 |
| Net loans and leases to core deposits | 74.8667% | 3,770 |
| Total domestic deposits to total assets | 82.6562% | 5,060 |
| Equity capital to assets | 12.9066% | 1,481 |
| Core capital (leverage) ratio | 12.0881% | 1,538 |
| Tier 1 risk-based capital ratio | 15.9477% | 3,202 |
| Total risk-based capital ratio | 17.2073% | 3,165 |
| Memoranda: | ||
| Average total assets | $256,784,000 | 2,500 |
| Average earning assets | $234,705,000 | 2,493 |
| Average equity | $32,456,500 | 2,119 |
| Average total loans | $137,237,000 | 2,821 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7750% | 6,754 |
| Cost of funding earning assets | 0.9639% | 3,616 |
| Net interest margin | 2.8112% | 6,810 |
| Noninterest income to average assets | 0.2648% | 5,631 |
| Noninterest expense to average assets | 2.4581% | 5,611 |
| Loan and lease loss provision to assets | 0.8588% | 1,130 |
| Net operating income to assets | -0.2386% | 6,290 |
| Return on assets (ROA) | -0.2386% | 6,353 |
| Pretax return on assets | -0.4659% | 6,467 |
| Return on Equity (ROE) | -1.9620% | 6,330 |
| Retained earnings to average equity (ytd only) | -1.9620% | 6,150 |
| Net charge-offs to loans | 2.0059% | 688 |
| Credit loss provision to net charge-offs | 86.2426% | 4,191 |
| Earnings coverage of net charge-offs (x) | 0.3946% | 5,521 |
| Efficiency ratio | 86.2180% | 1,531 |
| Assets per employee ($millions) | 10.4958% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1947% | 684 |
| Loan loss allowance to noncurrent loans | 42.9228% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 7.9887% | 510 |
| Noncurrent loans to loans | 7.4429% | 572 |
| Net loans and leases to total assets | 51.7586% | 5,347 |
| Net loans and leases to deposits | 62.0826% | 5,229 |
| Net loans and leases to core deposits | 74.4029% | 4,186 |
| Total domestic deposits to total assets | 83.3705% | 4,600 |
| Equity capital to assets | 12.3840% | 1,865 |
| Core capital (leverage) ratio | 11.6505% | 1,791 |
| Tier 1 risk-based capital ratio | 15.3319% | 3,432 |
| Total risk-based capital ratio | 16.5934% | 3,374 |
| Memoranda: | ||
| Average total assets | $271,545,800 | 2,326 |
| Average earning assets | $249,825,600 | 2,305 |
| Average equity | $33,027,400 | 2,020 |
| Average total loans | $134,803,600 | 2,902 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7228% | 6,914 |
| Cost of funding earning assets | 0.9937% | 3,723 |
| Net interest margin | 2.7291% | 6,965 |
| Noninterest income to average assets | 0.1646% | 6,417 |
| Noninterest expense to average assets | 2.4058% | 5,751 |
| Loan and lease loss provision to assets | 0.0696% | 5,586 |
| Net operating income to assets | 0.1173% | 5,924 |
| Return on assets (ROA) | 0.1173% | 6,037 |
| Pretax return on assets | 0.2030% | 5,889 |
| Return on Equity (ROE) | 0.9690% | 6,073 |
| Retained earnings to average equity (ytd only) | 0.9690% | 5,617 |
| Net charge-offs to loans | 1.1172% | 1,417 |
| Credit loss provision to net charge-offs | 12.7907% | 5,641 |
| Earnings coverage of net charge-offs (x) | 0.5009% | 5,247 |
| Efficiency ratio | 89.8200% | 1,178 |
| Assets per employee ($millions) | 10.8125% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8272% | 1,011 |
| Loan loss allowance to noncurrent loans | 32.4114% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 8.3692% | 509 |
| Noncurrent loans to loans | 8.7228% | 475 |
| Net loans and leases to total assets | 49.3225% | 5,792 |
| Net loans and leases to deposits | 60.4956% | 5,580 |
| Net loans and leases to core deposits | 75.5961% | 4,244 |
| Total domestic deposits to total assets | 81.5307% | 5,244 |
| Equity capital to assets | 12.3694% | 1,988 |
| Core capital (leverage) ratio | 12.2790% | 1,544 |
| Tier 1 risk-based capital ratio | 16.5172% | 2,855 |
| Total risk-based capital ratio | 17.7761% | 2,817 |
| Memoranda: | ||
| Average total assets | $273,833,500 | 2,328 |
| Average earning assets | $252,242,500 | 2,297 |
| Average equity | $33,160,500 | 2,007 |
| Average total loans | $133,431,000 | 2,947 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7111% | 7,004 |
| Cost of funding earning assets | 1.0539% | 3,577 |
| Net interest margin | 2.6573% | 7,071 |
| Noninterest income to average assets | 0.1673% | 6,462 |
| Noninterest expense to average assets | 2.4952% | 5,556 |
| Loan and lease loss provision to assets | 0.0436% | 5,768 |
| Net operating income to assets | 0.0422% | 6,140 |
| Return on assets (ROA) | 0.0422% | 6,220 |
| Pretax return on assets | 0.0727% | 6,145 |
| Return on Equity (ROE) | 0.3508% | 6,232 |
| Retained earnings to average equity (ytd only) | 0.3508% | 5,706 |
| Net charge-offs to loans | 0.4888% | 2,636 |
| Credit loss provision to net charge-offs | 18.5759% | 5,148 |
| Earnings coverage of net charge-offs (x) | 0.4954% | 4,935 |
| Efficiency ratio | 95.5444% | 901 |
| Assets per employee ($millions) | 10.8826% | 191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4671% | 611 |
| Loan loss allowance to noncurrent loans | 34.5136% | 6,011 |
| Noncurrent assets plus other real estate owned to assets | 8.8060% | 484 |
| Noncurrent loans to loans | 10.0457% | 381 |
| Net loans and leases to total assets | 46.9827% | 6,153 |
| Net loans and leases to deposits | 58.7173% | 5,857 |
| Net loans and leases to core deposits | 71.1030% | 4,939 |
| Total domestic deposits to total assets | 80.0151% | 5,819 |
| Equity capital to assets | 12.1816% | 1,977 |
| Core capital (leverage) ratio | 11.8864% | 1,678 |
| Tier 1 risk-based capital ratio | 17.0187% | 2,512 |
| Total risk-based capital ratio | 18.2827% | 2,483 |
| Memoranda: | ||
| Average total assets | $275,007,000 | 2,328 |
| Average earning assets | $252,967,670 | 2,306 |
| Average equity | $33,068,670 | 2,000 |
| Average total loans | $132,173,330 | 2,998 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7613% | 6,996 |
| Cost of funding earning assets | 1.1106% | 3,451 |
| Net interest margin | 2.6507% | 7,072 |
| Noninterest income to average assets | 0.1678% | 6,526 |
| Noninterest expense to average assets | 2.0978% | 6,640 |
| Loan and lease loss provision to assets | -0.0984% | 7,485 |
| Net operating income to assets | 0.3501% | 5,175 |
| Return on assets (ROA) | 0.3501% | 5,255 |
| Pretax return on assets | 0.6062% | 4,661 |
| Return on Equity (ROE) | 2.9305% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.9305% | 4,410 |
| Net charge-offs to loans | -0.0091% | 6,346 |
| Credit loss provision to net charge-offs | 2,266.6667% | 171 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5108% | 2,439 |
| Assets per employee ($millions) | 10.6310% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6504% | 541 |
| Loan loss allowance to noncurrent loans | 47.9667% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 7.6945% | 636 |
| Noncurrent loans to loans | 7.6103% | 681 |
| Net loans and leases to total assets | 45.7300% | 6,310 |
| Net loans and leases to deposits | 57.0232% | 6,024 |
| Net loans and leases to core deposits | 70.2642% | 5,015 |
| Total domestic deposits to total assets | 80.1955% | 5,892 |
| Equity capital to assets | 11.9990% | 1,915 |
| Core capital (leverage) ratio | 11.5418% | 1,822 |
| Tier 1 risk-based capital ratio | 16.6562% | 2,600 |
| Total risk-based capital ratio | 17.9210% | 2,571 |
| Memoranda: | ||
| Average total assets | $276,477,500 | 2,333 |
| Average earning assets | $254,276,500 | 2,321 |
| Average equity | $33,032,000 | 1,991 |
| Average total loans | $132,052,500 | 3,035 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 5,600 |
| Cost of funding earning assets | 1.3300% | 3,689 |
| Net interest margin | 3.4259% | 5,526 |
| Noninterest income to average assets | 0.1802% | 6,461 |
| Noninterest expense to average assets | 2.4611% | 5,914 |
| Loan and lease loss provision to assets | 0.6534% | 2,526 |
| Net operating income to assets | 0.1587% | 5,409 |
| Return on assets (ROA) | 0.1809% | 5,505 |
| Pretax return on assets | 0.2789% | 5,289 |
| Return on Equity (ROE) | 1.4462% | 5,573 |
| Retained earnings to average equity (ytd only) | 1.4462% | 4,808 |
| Net charge-offs to loans | 1.2653% | 1,778 |
| Credit loss provision to net charge-offs | 83.8757% | 5,389 |
| Earnings coverage of net charge-offs (x) | 1.1529% | 4,957 |
| Efficiency ratio | 73.2647% | 3,540 |
| Assets per employee ($millions) | 11.0619% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6520% | 527 |
| Loan loss allowance to noncurrent loans | 165.4961% | 1,809 |
| Noncurrent assets plus other real estate owned to assets | 5.1412% | 1,237 |
| Noncurrent loans to loans | 2.2067% | 3,314 |
| Net loans and leases to total assets | 46.3070% | 6,534 |
| Net loans and leases to deposits | 57.6205% | 6,292 |
| Net loans and leases to core deposits | 70.5516% | 5,394 |
| Total domestic deposits to total assets | 80.3654% | 5,730 |
| Equity capital to assets | 11.8959% | 1,974 |
| Core capital (leverage) ratio | 11.8831% | 1,628 |
| Tier 1 risk-based capital ratio | 16.3218% | 2,606 |
| Total risk-based capital ratio | 17.5863% | 2,560 |
| Memoranda: | ||
| Average total assets | $260,327,600 | 2,451 |
| Average earning assets | $241,570,400 | 2,411 |
| Average equity | $32,569,200 | 2,014 |
| Average total loans | $160,276,000 | 2,615 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9724% | 4,937 |
| Cost of funding earning assets | 1.3747% | 3,748 |
| Net interest margin | 3.5977% | 4,887 |
| Noninterest income to average assets | 0.1831% | 6,570 |
| Noninterest expense to average assets | 2.5264% | 5,616 |
| Loan and lease loss provision to assets | 0.8850% | 1,718 |
| Net operating income to assets | 0.0651% | 5,856 |
| Return on assets (ROA) | 0.0947% | 5,930 |
| Pretax return on assets | 0.1634% | 5,810 |
| Return on Equity (ROE) | 0.7469% | 5,957 |
| Retained earnings to average equity (ytd only) | 0.7469% | 5,503 |
| Net charge-offs to loans | 1.2223% | 1,676 |
| Credit loss provision to net charge-offs | 111.0313% | 3,811 |
| Earnings coverage of net charge-offs (x) | 1.2572% | 4,813 |
| Efficiency ratio | 71.6013% | 3,777 |
| Assets per employee ($millions) | 10.0295% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6621% | 480 |
| Loan loss allowance to noncurrent loans | 182.0967% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 5.4543% | 1,134 |
| Noncurrent loans to loans | 2.0111% | 3,659 |
| Net loans and leases to total assets | 53.9718% | 5,854 |
| Net loans and leases to deposits | 68.1279% | 5,399 |
| Net loans and leases to core deposits | 81.6964% | 4,286 |
| Total domestic deposits to total assets | 79.2212% | 5,964 |
| Equity capital to assets | 12.5223% | 1,844 |
| Core capital (leverage) ratio | 12.8032% | 1,296 |
| Tier 1 risk-based capital ratio | 15.7549% | 2,878 |
| Total risk-based capital ratio | 17.0115% | 2,834 |
| Memoranda: | ||
| Average total assets | $256,272,500 | 2,525 |
| Average earning assets | $238,296,000 | 2,483 |
| Average equity | $32,487,000 | 2,040 |
| Average total loans | $167,116,250 | 2,556 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0713% | 4,602 |
| Cost of funding earning assets | 1.4329% | 3,655 |
| Net interest margin | 3.6384% | 4,637 |
| Noninterest income to average assets | 0.1711% | 6,680 |
| Noninterest expense to average assets | 2.4963% | 5,729 |
| Loan and lease loss provision to assets | 1.3353% | 1,017 |
| Net operating income to assets | -0.1499% | 6,291 |
| Return on assets (ROA) | -0.1052% | 6,312 |
| Pretax return on assets | -0.1821% | 6,322 |
| Return on Equity (ROE) | -0.8264% | 6,298 |
| Retained earnings to average equity (ytd only) | -0.8264% | 5,931 |
| Net charge-offs to loans | 1.7665% | 1,058 |
| Credit loss provision to net charge-offs | 110.5982% | 3,675 |
| Earnings coverage of net charge-offs (x) | 0.8973% | 4,874 |
| Efficiency ratio | 69.7368% | 4,237 |
| Assets per employee ($millions) | 9.4130% | 296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1946% | 709 |
| Loan loss allowance to noncurrent loans | 60.4047% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 5.8765% | 1,014 |
| Noncurrent loans to loans | 5.2886% | 1,277 |
| Net loans and leases to total assets | 66.1686% | 3,792 |
| Net loans and leases to deposits | 84.7045% | 2,753 |
| Net loans and leases to core deposits | 102.1955% | 1,811 |
| Total domestic deposits to total assets | 78.1169% | 6,245 |
| Equity capital to assets | 13.1672% | 1,490 |
| Core capital (leverage) ratio | 12.5393% | 1,396 |
| Tier 1 risk-based capital ratio | 14.5376% | 3,428 |
| Total risk-based capital ratio | 15.8022% | 3,375 |
| Memoranda: | ||
| Average total assets | $254,774,670 | 2,555 |
| Average earning assets | $238,676,330 | 2,494 |
| Average equity | $32,431,330 | 2,037 |
| Average total loans | $174,125,000 | 2,489 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0110% | 4,972 |
| Cost of funding earning assets | 1.4847% | 3,657 |
| Net interest margin | 3.5263% | 5,052 |
| Noninterest income to average assets | 0.1540% | 6,866 |
| Noninterest expense to average assets | 2.4666% | 5,849 |
| Loan and lease loss provision to assets | 0.1786% | 4,736 |
| Net operating income to assets | 0.4819% | 4,489 |
| Return on assets (ROA) | 0.4819% | 4,617 |
| Pretax return on assets | 0.8330% | 3,737 |
| Return on Equity (ROE) | 3.8482% | 4,960 |
| Retained earnings to average equity (ytd only) | 3.8482% | 3,830 |
| Net charge-offs to loans | 3.2983% | 443 |
| Credit loss provision to net charge-offs | 7.9235% | 5,070 |
| Earnings coverage of net charge-offs (x) | 0.4488% | 4,624 |
| Efficiency ratio | 70.9163% | 4,129 |
| Assets per employee ($millions) | 9.1034% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1576% | 1,837 |
| Loan loss allowance to noncurrent loans | 30.1289% | 6,391 |
| Noncurrent assets plus other real estate owned to assets | 6.0503% | 987 |
| Noncurrent loans to loans | 7.1612% | 822 |
| Net loans and leases to total assets | 68.1921% | 3,341 |
| Net loans and leases to deposits | 86.5322% | 2,497 |
| Net loans and leases to core deposits | 104.7689% | 1,679 |
| Total domestic deposits to total assets | 78.8055% | 6,121 |
| Equity capital to assets | 12.8394% | 1,585 |
| Core capital (leverage) ratio | 12.3040% | 1,492 |
| Tier 1 risk-based capital ratio | 14.2818% | 3,496 |
| Total risk-based capital ratio | 15.5368% | 3,460 |
| Memoranda: | ||
| Average total assets | $259,793,500 | 2,561 |
| Average earning assets | $244,900,000 | 2,494 |
| Average equity | $32,534,500 | 2,063 |
| Average total loans | $177,546,000 | 2,510 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9732% | 6,519 |
| Cost of funding earning assets | 1.7107% | 4,448 |
| Net interest margin | 3.2625% | 5,883 |
| Noninterest income to average assets | 0.1480% | 6,996 |
| Noninterest expense to average assets | 2.4404% | 6,334 |
| Loan and lease loss provision to assets | 0.4159% | 4,320 |
| Net operating income to assets | 0.2064% | 4,882 |
| Return on assets (ROA) | 0.2064% | 4,944 |
| Pretax return on assets | 0.3602% | 4,615 |
| Return on Equity (ROE) | 1.6363% | 5,041 |
| Retained earnings to average equity (ytd only) | 1.6363% | 3,940 |
| Net charge-offs to loans | 0.3997% | 4,223 |
| Credit loss provision to net charge-offs | 158.7349% | 2,822 |
| Earnings coverage of net charge-offs (x) | 2.9623% | 3,598 |
| Efficiency ratio | 75.8710% | 3,550 |
| Assets per employee ($millions) | 9.4533% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9170% | 832 |
| Loan loss allowance to noncurrent loans | 43.2234% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 5.5442% | 1,058 |
| Noncurrent loans to loans | 6.7488% | 868 |
| Net loans and leases to total assets | 65.0812% | 4,358 |
| Net loans and leases to deposits | 83.4168% | 3,375 |
| Net loans and leases to core deposits | 115.3386% | 2,380 |
| Total domestic deposits to total assets | 78.0193% | 6,212 |
| Equity capital to assets | 12.2188% | 1,903 |
| Core capital (leverage) ratio | 12.2055% | 1,578 |
| Tier 1 risk-based capital ratio | 13.8949% | 3,569 |
| Total risk-based capital ratio | 15.1567% | 3,512 |
| Memoranda: | ||
| Average total assets | $253,445,400 | 2,571 |
| Average earning assets | $238,375,400 | 2,517 |
| Average equity | $31,963,000 | 2,096 |
| Average total loans | $166,111,800 | 2,675 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9783% | 6,668 |
| Cost of funding earning assets | 1.7789% | 4,486 |
| Net interest margin | 3.1993% | 6,025 |
| Noninterest income to average assets | 0.1426% | 7,159 |
| Noninterest expense to average assets | 2.6130% | 5,670 |
| Loan and lease loss provision to assets | 0.0277% | 7,072 |
| Net operating income to assets | 0.2995% | 4,794 |
| Return on assets (ROA) | 0.2995% | 4,896 |
| Pretax return on assets | 0.5070% | 4,502 |
| Return on Equity (ROE) | 2.3555% | 5,045 |
| Retained earnings to average equity (ytd only) | 2.3555% | 4,009 |
| Net charge-offs to loans | 0.0049% | 6,896 |
| Credit loss provision to net charge-offs | 866.6667% | 437 |
| Earnings coverage of net charge-offs (x) | 167.4963% | 226 |
| Efficiency ratio | 83.0150% | 2,431 |
| Assets per employee ($millions) | 8.7281% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8358% | 765 |
| Loan loss allowance to noncurrent loans | 239.4450% | 1,240 |
| Noncurrent assets plus other real estate owned to assets | 1.8640% | 3,564 |
| Noncurrent loans to loans | 1.1843% | 4,967 |
| Net loans and leases to total assets | 65.4085% | 4,556 |
| Net loans and leases to deposits | 85.1899% | 3,468 |
| Net loans and leases to core deposits | 122.0614% | 2,065 |
| Total domestic deposits to total assets | 76.7796% | 6,400 |
| Equity capital to assets | 12.7840% | 1,796 |
| Core capital (leverage) ratio | 12.5042% | 1,581 |
| Tier 1 risk-based capital ratio | 14.0678% | 3,508 |
| Total risk-based capital ratio | 15.3280% | 3,442 |
| Memoranda: | ||
| Average total assets | $250,634,000 | 2,619 |
| Average earning assets | $235,418,000 | 2,564 |
| Average equity | $31,868,250 | 2,123 |
| Average total loans | $163,279,750 | 2,739 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8325% | 7,166 |
| Cost of funding earning assets | 1.8999% | 4,266 |
| Net interest margin | 2.9326% | 6,727 |
| Noninterest income to average assets | 0.1425% | 7,236 |
| Noninterest expense to average assets | 2.6372% | 5,600 |
| Loan and lease loss provision to assets | 0.0416% | 6,819 |
| Net operating income to assets | 0.1273% | 5,484 |
| Return on assets (ROA) | 0.1273% | 5,588 |
| Pretax return on assets | 0.2122% | 5,433 |
| Return on Equity (ROE) | 1.0030% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.0030% | 4,774 |
| Net charge-offs to loans | 0.0224% | 6,187 |
| Credit loss provision to net charge-offs | 288.8889% | 1,617 |
| Earnings coverage of net charge-offs (x) | 17.6111% | 1,467 |
| Efficiency ratio | 91.2213% | 1,706 |
| Assets per employee ($millions) | 8.7258% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8716% | 634 |
| Loan loss allowance to noncurrent loans | 98.8482% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 2.9145% | 2,189 |
| Noncurrent loans to loans | 2.9050% | 2,481 |
| Net loans and leases to total assets | 63.0912% | 5,166 |
| Net loans and leases to deposits | 79.8738% | 4,565 |
| Net loans and leases to core deposits | 123.2208% | 2,096 |
| Total domestic deposits to total assets | 78.9886% | 5,817 |
| Equity capital to assets | 12.6229% | 1,863 |
| Core capital (leverage) ratio | 12.3588% | 1,668 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,345 |
| Total risk-based capital ratio | 15.5783% | 3,276 |
| Memoranda: | ||
| Average total assets | $249,807,330 | 2,638 |
| Average earning assets | $234,123,000 | 2,586 |
| Average equity | $31,705,000 | 2,135 |
| Average total loans | $160,909,670 | 2,804 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8799% | 7,218 |
| Cost of funding earning assets | 1.8242% | 5,004 |
| Net interest margin | 3.0557% | 6,322 |
| Noninterest income to average assets | 0.1434% | 7,271 |
| Noninterest expense to average assets | 2.6883% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1934% | 5,682 |
| Return on assets (ROA) | 0.1934% | 5,853 |
| Pretax return on assets | 0.3223% | 5,616 |
| Return on Equity (ROE) | 1.5196% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.5196% | 5,003 |
| Net charge-offs to loans | 0.0829% | 4,336 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 6.0606% | 2,551 |
| Efficiency ratio | 89.2934% | 1,779 |
| Assets per employee ($millions) | 9.2264% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9522% | 500 |
| Loan loss allowance to noncurrent loans | 4,474.0385% | 115 |
| Noncurrent assets plus other real estate owned to assets | 1.0106% | 4,670 |
| Noncurrent loans to loans | 0.0660% | 7,336 |
| Net loans and leases to total assets | 57.1665% | 6,072 |
| Net loans and leases to deposits | 71.1820% | 5,844 |
| Net loans and leases to core deposits | 118.8919% | 2,513 |
| Total domestic deposits to total assets | 80.3103% | 5,238 |
| Equity capital to assets | 11.7956% | 2,387 |
| Core capital (leverage) ratio | 13.7293% | 1,258 |
| Tier 1 risk-based capital ratio | 14.4348% | 3,344 |
| Total risk-based capital ratio | 15.6954% | 3,261 |
| Memoranda: | ||
| Average total assets | $248,187,000 | 2,671 |
| Average earning assets | $232,873,000 | 2,611 |
| Average equity | $31,586,500 | 2,142 |
| Average total loans | $159,179,000 | 2,861 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0675% | 5,218 |
| Cost of funding earning assets | 2.4868% | 4,276 |
| Net interest margin | 3.5807% | 4,974 |
| Noninterest income to average assets | 0.1112% | 7,575 |
| Noninterest expense to average assets | 2.5078% | 5,974 |
| Loan and lease loss provision to assets | 3.4717% | 234 |
| Net operating income to assets | -1.4088% | 7,427 |
| Return on assets (ROA) | -1.4088% | 7,372 |
| Pretax return on assets | -2.4551% | 7,579 |
| Return on Equity (ROE) | -9.0628% | 7,204 |
| Retained earnings to average equity (ytd only) | -9.0628% | 6,974 |
| Net charge-offs to loans | 3.4759% | 228 |
| Credit loss provision to net charge-offs | 146.9242% | 3,593 |
| Earnings coverage of net charge-offs (x) | 0.4302% | 5,974 |
| Efficiency ratio | 71.1555% | 4,094 |
| Assets per employee ($millions) | 8.1717% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9151% | 473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1363% | 4,001 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 68.2061% | 4,425 |
| Net loans and leases to deposits | 91.0035% | 3,291 |
| Net loans and leases to core deposits | 136.4277% | 1,468 |
| Total domestic deposits to total assets | 74.9489% | 6,462 |
| Equity capital to assets | 13.8160% | 1,490 |
| Core capital (leverage) ratio | 14.0473% | 1,250 |
| Tier 1 risk-based capital ratio | 14.7606% | 3,165 |
| Total risk-based capital ratio | 16.0221% | 3,087 |
| Memoranda: | ||
| Average total assets | $225,654,800 | 2,823 |
| Average earning assets | $215,097,200 | 2,709 |
| Average equity | $35,077,600 | 1,926 |
| Average total loans | $153,400,400 | 2,866 |