Home > Commonwealth Business Bank > Performance and Condition Ratios
Commonwealth Business Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5582% | 334 |
| Cost of funding earning assets | 2.3956% | 466 |
| Net interest margin | 4.1626% | 987 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.1642% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6231% | 836 |
| Return on assets (ROA) | 1.6231% | 803 |
| Pretax return on assets | 2.2588% | 458 |
| Return on Equity (ROE) | 13.2600% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.7284% | 668 |
| Net charge-offs to loans | 0.0334% | 1,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 84.6860% | 986 |
| Efficiency ratio | 48.9303% | 4,044 |
| Assets per employee ($millions) | 10.4164% | 631 |
| Cash dividends to net income (ytd only)* | 11.5438% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0751% | 2,958 |
| Loan loss allowance to noncurrent loans | 506.8280% | 1,431 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 2,368 |
| Noncurrent loans to loans | 0.2121% | 2,460 |
| Net loans and leases to total assets | 79.9200% | 648 |
| Net loans and leases to deposits | 96.7715% | 733 |
| Net loans and leases to core deposits | 147.3625% | 223 |
| Total domestic deposits to total assets | 82.5900% | 2,993 |
| Equity capital to assets | 13.3695% | 789 |
| Core capital (leverage) ratio | 12.9571% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2702% | 757 |
| Memoranda: | ||
| Average total assets | $1,814,569,200 | 620 |
| Average earning assets | $1,753,329,400 | 589 |
| Average equity | $222,136,600 | 495 |
| Average total loans | $1,448,300,200 | 526 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4424% | 324 |
| Cost of funding earning assets | 2.2294% | 469 |
| Net interest margin | 4.2130% | 905 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.1896% | 3,110 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6266% | 894 |
| Return on assets (ROA) | 1.6266% | 884 |
| Pretax return on assets | 2.2690% | 505 |
| Return on Equity (ROE) | 13.5900% | 1,771 |
| Retained earnings to average equity (ytd only) | 12.0345% | 964 |
| Net charge-offs to loans | 0.0450% | 1,248 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 63.3625% | 1,171 |
| Efficiency ratio | 49.1093% | 3,977 |
| Assets per employee ($millions) | 10.8099% | 527 |
| Cash dividends to net income (ytd only)* | 11.4340% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 2,987 |
| Loan loss allowance to noncurrent loans | 1,228.6174% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,139 |
| Noncurrent loans to loans | 0.0876% | 3,147 |
| Net loans and leases to total assets | 75.5800% | 1,169 |
| Net loans and leases to deposits | 90.6791% | 1,180 |
| Net loans and leases to core deposits | 136.3425% | 264 |
| Total domestic deposits to total assets | 83.3500% | 2,949 |
| Equity capital to assets | 12.2836% | 972 |
| Core capital (leverage) ratio | 12.5003% | 1,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7949% | 843 |
| Memoranda: | ||
| Average total assets | $1,828,117,750 | 620 |
| Average earning assets | $1,766,633,250 | 584 |
| Average equity | $218,832,500 | 500 |
| Average total loans | $1,454,808,500 | 527 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3722% | 292 |
| Cost of funding earning assets | 2.0626% | 434 |
| Net interest margin | 4.3096% | 795 |
| Noninterest income to average assets | 0.4200% | 2,314 |
| Noninterest expense to average assets | 2.2061% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7043% | 774 |
| Return on assets (ROA) | 1.7043% | 776 |
| Pretax return on assets | 2.3782% | 415 |
| Return on Equity (ROE) | 14.3700% | 1,607 |
| Retained earnings to average equity (ytd only) | 12.7894% | 837 |
| Net charge-offs to loans | 0.0203% | 1,482 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 145.0671% | 767 |
| Efficiency ratio | 48.1219% | 4,061 |
| Assets per employee ($millions) | 11.0279% | 509 |
| Cash dividends to net income (ytd only)* | 10.9748% | 2,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1033% | 2,946 |
| Loan loss allowance to noncurrent loans | 1,191.9146% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 3,054 |
| Noncurrent loans to loans | 0.0926% | 3,039 |
| Net loans and leases to total assets | 76.9800% | 948 |
| Net loans and leases to deposits | 91.9716% | 1,025 |
| Net loans and leases to core deposits | 139.2208% | 222 |
| Total domestic deposits to total assets | 83.7000% | 2,893 |
| Equity capital to assets | 12.2366% | 988 |
| Core capital (leverage) ratio | 12.1953% | 1,277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2729% | 917 |
| Memoranda: | ||
| Average total assets | $1,817,724,000 | 611 |
| Average earning assets | $1,754,866,333 | 580 |
| Average equity | $215,647,000 | 498 |
| Average total loans | $1,466,216,333 | 510 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2208% | 242 |
| Cost of funding earning assets | 1.8648% | 394 |
| Net interest margin | 4.3560% | 737 |
| Noninterest income to average assets | 0.2300% | 3,568 |
| Noninterest expense to average assets | 2.2173% | 3,052 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5949% | 988 |
| Return on assets (ROA) | 1.5949% | 988 |
| Pretax return on assets | 2.2151% | 558 |
| Return on Equity (ROE) | 13.6600% | 1,842 |
| Retained earnings to average equity (ytd only) | 12.0561% | 1,258 |
| Net charge-offs to loans | 0.0397% | 965 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 67.9797% | 960 |
| Efficiency ratio | 50.0248% | 3,933 |
| Assets per employee ($millions) | 10.7125% | 563 |
| Cash dividends to net income (ytd only)* | 11.7338% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 3,230 |
| Loan loss allowance to noncurrent loans | 1,227.5727% | 839 |
| Noncurrent assets plus other real estate owned to assets | 0.0699% | 3,099 |
| Noncurrent loans to loans | 0.0868% | 3,118 |
| Net loans and leases to total assets | 79.6800% | 572 |
| Net loans and leases to deposits | 94.3416% | 773 |
| Net loans and leases to core deposits | 144.0365% | 156 |
| Total domestic deposits to total assets | 84.4500% | 2,984 |
| Equity capital to assets | 11.8316% | 1,051 |
| Core capital (leverage) ratio | 11.8176% | 1,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3135% | 1,111 |
| Memoranda: | ||
| Average total assets | $1,816,784,000 | 624 |
| Average earning assets | $1,752,055,500 | 595 |
| Average equity | $212,141,500 | 515 |
| Average total loans | $1,491,164,500 | 521 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 544 |
| Cost of funding earning assets | 0.5611% | 1,061 |
| Net interest margin | 4.1059% | 645 |
| Noninterest income to average assets | 0.6900% | 1,336 |
| Noninterest expense to average assets | 2.3507% | 2,580 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.5938% | 703 |
| Return on assets (ROA) | 1.5938% | 670 |
| Pretax return on assets | 2.2202% | 306 |
| Return on Equity (ROE) | 14.6000% | 1,366 |
| Retained earnings to average equity (ytd only) | 13.6125% | 437 |
| Net charge-offs to loans | 0.0007% | 2,571 |
| Credit loss provision to net charge-offs | 13,430.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 4,126.6000% | 34 |
| Efficiency ratio | 50.6009% | 4,091 |
| Assets per employee ($millions) | 10.1254% | 648 |
| Cash dividends to net income (ytd only)* | 6.7344% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,237 |
| Loan loss allowance to noncurrent loans | 195.8002% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.4375% | 1,171 |
| Noncurrent loans to loans | 0.5231% | 1,400 |
| Net loans and leases to total assets | 82.7700% | 346 |
| Net loans and leases to deposits | 97.4810% | 556 |
| Net loans and leases to core deposits | 140.5593% | 142 |
| Total domestic deposits to total assets | 84.9100% | 3,016 |
| Equity capital to assets | 11.5212% | 1,080 |
| Core capital (leverage) ratio | 11.6693% | 1,427 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0322% | 1,364 |
| Memoranda: | ||
| Average total assets | $1,798,195,800 | 608 |
| Average earning assets | $1,733,778,600 | 581 |
| Average equity | $196,357,000 | 537 |
| Average total loans | $1,427,939,800 | 500 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 688 |
| Cost of funding earning assets | 0.3897% | 1,364 |
| Net interest margin | 3.9362% | 732 |
| Noninterest income to average assets | 0.8500% | 928 |
| Noninterest expense to average assets | 2.3541% | 2,457 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.5706% | 705 |
| Return on assets (ROA) | 1.5706% | 682 |
| Pretax return on assets | 2.1905% | 327 |
| Return on Equity (ROE) | 14.5900% | 1,263 |
| Retained earnings to average equity (ytd only) | 13.2542% | 577 |
| Net charge-offs to loans | -0.0064% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 50.6871% | 4,116 |
| Assets per employee ($millions) | 9.4741% | 770 |
| Cash dividends to net income (ytd only)* | 9.1296% | 2,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,114 |
| Loan loss allowance to noncurrent loans | 972.6933% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.0891% | 3,041 |
| Noncurrent loans to loans | 0.1108% | 3,098 |
| Net loans and leases to total assets | 79.5200% | 571 |
| Net loans and leases to deposits | 93.2535% | 681 |
| Net loans and leases to core deposits | 119.1847% | 271 |
| Total domestic deposits to total assets | 85.2700% | 3,226 |
| Equity capital to assets | 11.1681% | 1,118 |
| Core capital (leverage) ratio | 11.1502% | 1,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8949% | 1,460 |
| Memoranda: | ||
| Average total assets | $1,794,632,750 | 615 |
| Average earning assets | $1,731,330,000 | 579 |
| Average equity | $193,242,250 | 545 |
| Average total loans | $1,405,997,500 | 499 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0253% | 899 |
| Cost of funding earning assets | 0.2959% | 1,754 |
| Net interest margin | 3.7294% | 868 |
| Noninterest income to average assets | 1.1349% | 522 |
| Noninterest expense to average assets | 2.3164% | 2,503 |
| Loan and lease loss provision to assets | 0.0483% | 1,709 |
| Net operating income to assets | 1.6995% | 431 |
| Return on assets (ROA) | 1.6995% | 423 |
| Pretax return on assets | 2.3710% | 196 |
| Return on Equity (ROE) | 15.9816% | 705 |
| Retained earnings to average equity (ytd only) | 13.9569% | 364 |
| Net charge-offs to loans | -0.0164% | 3,791 |
| Credit loss provision to net charge-offs | -379.8246% | 3,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9129% | 4,314 |
| Assets per employee ($millions) | 8.9323% | 910 |
| Cash dividends to net income (ytd only)* | 12.6690% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0513% | 3,364 |
| Loan loss allowance to noncurrent loans | 509.2951% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.1628% | 2,564 |
| Noncurrent loans to loans | 0.2064% | 2,686 |
| Net loans and leases to total assets | 78.0473% | 549 |
| Net loans and leases to deposits | 91.4741% | 635 |
| Net loans and leases to core deposits | 113.0809% | 296 |
| Total domestic deposits to total assets | 85.3217% | 3,408 |
| Equity capital to assets | 11.0163% | 1,204 |
| Core capital (leverage) ratio | 10.7290% | 1,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5327% | 1,562 |
| Memoranda: | ||
| Average total assets | $1,792,814,333 | 606 |
| Average earning assets | $1,731,003,667 | 581 |
| Average equity | $190,644,333 | 561 |
| Average total loans | $1,392,320,667 | 496 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 913 |
| Cost of funding earning assets | 0.2755% | 1,871 |
| Net interest margin | 3.6341% | 842 |
| Noninterest income to average assets | 1.2519% | 451 |
| Noninterest expense to average assets | 2.3669% | 2,279 |
| Loan and lease loss provision to assets | -0.2593% | 4,715 |
| Net operating income to assets | 1.9064% | 265 |
| Return on assets (ROA) | 1.9064% | 265 |
| Pretax return on assets | 2.6615% | 143 |
| Return on Equity (ROE) | 18.2518% | 317 |
| Retained earnings to average equity (ytd only) | 16.5502% | 203 |
| Net charge-offs to loans | -0.0185% | 3,872 |
| Credit loss provision to net charge-offs | 1,823.4375% | 227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6297% | 4,330 |
| Assets per employee ($millions) | 8.6142% | 1,056 |
| Cash dividends to net income (ytd only)* | 9.3229% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 3,900 |
| Loan loss allowance to noncurrent loans | 1,201.9284% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 3,451 |
| Noncurrent loans to loans | 0.0792% | 3,446 |
| Net loans and leases to total assets | 76.0362% | 507 |
| Net loans and leases to deposits | 88.8088% | 569 |
| Net loans and leases to core deposits | 107.5884% | 313 |
| Total domestic deposits to total assets | 85.6179% | 3,375 |
| Equity capital to assets | 10.6606% | 1,513 |
| Core capital (leverage) ratio | 10.5514% | 1,809 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5676% | 1,624 |
| Memoranda: | ||
| Average total assets | $1,800,462,500 | 601 |
| Average earning assets | $1,742,583,000 | 576 |
| Average equity | $188,058,500 | 580 |
| Average total loans | $1,387,459,500 | 497 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 1,176 |
| Cost of funding earning assets | 0.3475% | 1,956 |
| Net interest margin | 3.7428% | 1,114 |
| Noninterest income to average assets | 1.2013% | 731 |
| Noninterest expense to average assets | 2.4183% | 2,433 |
| Loan and lease loss provision to assets | -0.0184% | 4,213 |
| Net operating income to assets | 1.7332% | 591 |
| Return on assets (ROA) | 1.7332% | 611 |
| Pretax return on assets | 2.4136% | 292 |
| Return on Equity (ROE) | 16.4377% | 689 |
| Retained earnings to average equity (ytd only) | 15.3230% | 202 |
| Net charge-offs to loans | -0.0100% | 3,741 |
| Credit loss provision to net charge-offs | 238.0952% | 1,200 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2405% | 4,268 |
| Assets per employee ($millions) | 8.8230% | 978 |
| Cash dividends to net income (ytd only)* | 6.7812% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 3,683 |
| Loan loss allowance to noncurrent loans | 958.9189% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 3,368 |
| Noncurrent loans to loans | 0.1058% | 3,397 |
| Net loans and leases to total assets | 76.5877% | 477 |
| Net loans and leases to deposits | 88.9000% | 612 |
| Net loans and leases to core deposits | 107.1961% | 345 |
| Total domestic deposits to total assets | 86.1504% | 2,852 |
| Equity capital to assets | 10.2341% | 2,438 |
| Core capital (leverage) ratio | 9.5459% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9783% | 1,850 |
| Memoranda: | ||
| Average total assets | $1,628,505,600 | 640 |
| Average earning assets | $1,571,647,600 | 611 |
| Average equity | $171,709,000 | 628 |
| Average total loans | $1,262,802,800 | 541 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 1,343 |
| Cost of funding earning assets | 0.3673% | 1,962 |
| Net interest margin | 3.7157% | 1,305 |
| Noninterest income to average assets | 1.1982% | 789 |
| Noninterest expense to average assets | 2.3721% | 2,531 |
| Loan and lease loss provision to assets | 0.0421% | 2,154 |
| Net operating income to assets | 1.6883% | 848 |
| Return on assets (ROA) | 1.6883% | 892 |
| Pretax return on assets | 2.3650% | 416 |
| Return on Equity (ROE) | 15.8791% | 974 |
| Retained earnings to average equity (ytd only) | 14.9747% | 400 |
| Net charge-offs to loans | -0.0145% | 3,834 |
| Credit loss provision to net charge-offs | -373.1343% | 3,562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6335% | 4,253 |
| Assets per employee ($millions) | 9.5452% | 752 |
| Cash dividends to net income (ytd only)* | 5.6955% | 3,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0774% | 3,541 |
| Loan loss allowance to noncurrent loans | 1,196.1722% | 702 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 3,667 |
| Noncurrent loans to loans | 0.0901% | 3,628 |
| Net loans and leases to total assets | 72.1416% | 864 |
| Net loans and leases to deposits | 82.6509% | 1,056 |
| Net loans and leases to core deposits | 98.5268% | 642 |
| Total domestic deposits to total assets | 87.2847% | 2,222 |
| Equity capital to assets | 9.3276% | 3,530 |
| Core capital (leverage) ratio | 9.5984% | 2,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8362% | 2,035 |
| Memoranda: | ||
| Average total assets | $1,583,452,750 | 661 |
| Average earning assets | $1,526,040,500 | 635 |
| Average equity | $168,359,750 | 644 |
| Average total loans | $1,228,641,750 | 560 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 1,287 |
| Cost of funding earning assets | 0.4077% | 1,821 |
| Net interest margin | 3.7237% | 1,287 |
| Noninterest income to average assets | 1.1780% | 826 |
| Noninterest expense to average assets | 2.4087% | 2,433 |
| Loan and lease loss provision to assets | 0.0678% | 1,694 |
| Net operating income to assets | 1.6277% | 990 |
| Return on assets (ROA) | 1.6277% | 1,046 |
| Pretax return on assets | 2.2819% | 500 |
| Return on Equity (ROE) | 14.5394% | 1,272 |
| Retained earnings to average equity (ytd only) | 13.9193% | 558 |
| Net charge-offs to loans | -0.0072% | 3,545 |
| Credit loss provision to net charge-offs | -1,190.4762% | 3,703 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6198% | 4,181 |
| Assets per employee ($millions) | 8.8134% | 917 |
| Cash dividends to net income (ytd only)* | 4.2652% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2121% | 2,862 |
| Loan loss allowance to noncurrent loans | 753.6906% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 3,417 |
| Noncurrent loans to loans | 0.1608% | 3,415 |
| Net loans and leases to total assets | 75.3330% | 650 |
| Net loans and leases to deposits | 88.1136% | 771 |
| Net loans and leases to core deposits | 108.0573% | 413 |
| Total domestic deposits to total assets | 85.4953% | 2,913 |
| Equity capital to assets | 10.5966% | 2,317 |
| Core capital (leverage) ratio | 11.3310% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6181% | 1,753 |
| Memoranda: | ||
| Average total assets | $1,474,925,333 | 701 |
| Average earning assets | $1,418,142,333 | 673 |
| Average equity | $165,123,667 | 653 |
| Average total loans | $1,174,119,667 | 584 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 1,140 |
| Cost of funding earning assets | 0.4515% | 1,711 |
| Net interest margin | 3.7816% | 1,179 |
| Noninterest income to average assets | 1.0475% | 1,062 |
| Noninterest expense to average assets | 2.3682% | 2,597 |
| Loan and lease loss provision to assets | 0.1423% | 935 |
| Net operating income to assets | 1.5670% | 1,182 |
| Return on assets (ROA) | 1.5670% | 1,242 |
| Pretax return on assets | 2.1898% | 703 |
| Return on Equity (ROE) | 13.5806% | 1,519 |
| Retained earnings to average equity (ytd only) | 13.5806% | 803 |
| Net charge-offs to loans | -0.0077% | 3,554 |
| Credit loss provision to net charge-offs | -2,272.7273% | 3,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3844% | 4,154 |
| Assets per employee ($millions) | 7.7243% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 2,657 |
| Loan loss allowance to noncurrent loans | 744.0280% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 3,477 |
| Noncurrent loans to loans | 0.1682% | 3,506 |
| Net loans and leases to total assets | 81.7700% | 237 |
| Net loans and leases to deposits | 98.5813% | 326 |
| Net loans and leases to core deposits | 123.3577% | 214 |
| Total domestic deposits to total assets | 82.9468% | 3,700 |
| Equity capital to assets | 11.4747% | 1,557 |
| Core capital (leverage) ratio | 11.8772% | 1,220 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2336% | 1,499 |
| Memoranda: | ||
| Average total assets | $1,405,957,500 | 720 |
| Average earning assets | $1,358,062,000 | 694 |
| Average equity | $162,231,000 | 660 |
| Average total loans | $1,146,217,000 | 593 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3628% | 1,685 |
| Cost of funding earning assets | 0.9374% | 750 |
| Net interest margin | 3.4254% | 2,691 |
| Noninterest income to average assets | 0.7440% | 1,709 |
| Noninterest expense to average assets | 2.4838% | 2,897 |
| Loan and lease loss provision to assets | 0.4242% | 696 |
| Net operating income to assets | 0.8011% | 3,088 |
| Return on assets (ROA) | 0.8011% | 3,210 |
| Pretax return on assets | 1.1367% | 2,562 |
| Return on Equity (ROE) | 6.7956% | 3,284 |
| Retained earnings to average equity (ytd only) | 6.7956% | 1,462 |
| Net charge-offs to loans | 0.1695% | 982 |
| Credit loss provision to net charge-offs | 317.9191% | 1,674 |
| Earnings coverage of net charge-offs (x) | 11.6977% | 2,388 |
| Efficiency ratio | 61.4085% | 3,240 |
| Assets per employee ($millions) | 7.5147% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 2,393 |
| Loan loss allowance to noncurrent loans | 474.5953% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 3,188 |
| Noncurrent loans to loans | 0.2745% | 3,206 |
| Net loans and leases to total assets | 79.1432% | 489 |
| Net loans and leases to deposits | 98.9902% | 414 |
| Net loans and leases to core deposits | 123.7077% | 269 |
| Total domestic deposits to total assets | 79.9505% | 4,051 |
| Equity capital to assets | 11.6059% | 1,805 |
| Core capital (leverage) ratio | 11.5410% | 1,444 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2287% | 1,465 |
| Memoranda: | ||
| Average total assets | $1,296,488,200 | 705 |
| Average earning assets | $1,249,280,800 | 678 |
| Average equity | $152,833,600 | 663 |
| Average total loans | $1,020,632,000 | 628 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4341% | 1,753 |
| Cost of funding earning assets | 1.0715% | 594 |
| Net interest margin | 3.3627% | 3,015 |
| Noninterest income to average assets | 0.6477% | 1,992 |
| Noninterest expense to average assets | 2.5045% | 2,827 |
| Loan and lease loss provision to assets | 0.4073% | 851 |
| Net operating income to assets | 0.6827% | 3,510 |
| Return on assets (ROA) | 0.6827% | 3,619 |
| Pretax return on assets | 0.9742% | 3,149 |
| Return on Equity (ROE) | 5.7675% | 3,630 |
| Retained earnings to average equity (ytd only) | 5.7675% | 2,197 |
| Net charge-offs to loans | 0.1176% | 1,186 |
| Credit loss provision to net charge-offs | 442.1769% | 1,380 |
| Earnings coverage of net charge-offs (x) | 14.9989% | 2,125 |
| Efficiency ratio | 64.4506% | 2,669 |
| Assets per employee ($millions) | 7.8178% | 1,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,253 |
| Loan loss allowance to noncurrent loans | 290.6490% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.3347% | 2,806 |
| Noncurrent loans to loans | 0.4396% | 2,735 |
| Net loans and leases to total assets | 75.1767% | 1,213 |
| Net loans and leases to deposits | 95.4751% | 798 |
| Net loans and leases to core deposits | 118.8150% | 441 |
| Total domestic deposits to total assets | 78.7395% | 4,095 |
| Equity capital to assets | 11.1171% | 2,310 |
| Core capital (leverage) ratio | 11.7298% | 1,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4542% | 1,382 |
| Memoranda: | ||
| Average total assets | $1,276,811,750 | 699 |
| Average earning assets | $1,229,552,250 | 671 |
| Average equity | $151,141,250 | 657 |
| Average total loans | $1,000,105,250 | 631 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 1,517 |
| Cost of funding earning assets | 1.2324% | 460 |
| Net interest margin | 3.4258% | 3,020 |
| Noninterest income to average assets | 0.5191% | 2,497 |
| Noninterest expense to average assets | 2.6080% | 2,638 |
| Loan and lease loss provision to assets | 0.3722% | 1,125 |
| Net operating income to assets | 0.5699% | 3,832 |
| Return on assets (ROA) | 0.5699% | 3,910 |
| Pretax return on assets | 0.8329% | 3,499 |
| Return on Equity (ROE) | 4.7065% | 3,912 |
| Retained earnings to average equity (ytd only) | 4.7065% | 2,604 |
| Net charge-offs to loans | 0.1253% | 1,096 |
| Credit loss provision to net charge-offs | 375.2039% | 1,458 |
| Earnings coverage of net charge-offs (x) | 12.1485% | 2,069 |
| Efficiency ratio | 68.3967% | 2,186 |
| Assets per employee ($millions) | 7.0328% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 2,597 |
| Loan loss allowance to noncurrent loans | 245.8567% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 2,810 |
| Noncurrent loans to loans | 0.4816% | 2,703 |
| Net loans and leases to total assets | 76.3152% | 1,082 |
| Net loans and leases to deposits | 99.7060% | 568 |
| Net loans and leases to core deposits | 128.3959% | 280 |
| Total domestic deposits to total assets | 76.5402% | 4,373 |
| Equity capital to assets | 11.3332% | 2,100 |
| Core capital (leverage) ratio | 11.9461% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4330% | 1,378 |
| Memoranda: | ||
| Average total assets | $1,235,955,333 | 709 |
| Average earning assets | $1,188,379,333 | 671 |
| Average equity | $149,664,667 | 662 |
| Average total loans | $978,266,333 | 635 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1019% | 788 |
| Cost of funding earning assets | 1.4034% | 391 |
| Net interest margin | 3.6986% | 2,322 |
| Noninterest income to average assets | 0.5755% | 2,149 |
| Noninterest expense to average assets | 2.9647% | 1,971 |
| Loan and lease loss provision to assets | 0.2368% | 1,313 |
| Net operating income to assets | 0.6009% | 3,588 |
| Return on assets (ROA) | 0.6009% | 3,648 |
| Pretax return on assets | 0.9236% | 3,069 |
| Return on Equity (ROE) | 4.7877% | 3,714 |
| Retained earnings to average equity (ytd only) | 4.7877% | 2,371 |
| Net charge-offs to loans | 0.1105% | 1,034 |
| Credit loss provision to net charge-offs | 267.1756% | 1,251 |
| Earnings coverage of net charge-offs (x) | 13.0916% | 1,670 |
| Efficiency ratio | 71.8691% | 2,096 |
| Assets per employee ($millions) | 6.1963% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1473% | 2,949 |
| Loan loss allowance to noncurrent loans | 144.4997% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 2,004 |
| Noncurrent loans to loans | 0.7940% | 2,022 |
| Net loans and leases to total assets | 79.0850% | 813 |
| Net loans and leases to deposits | 99.9613% | 561 |
| Net loans and leases to core deposits | 138.5024% | 181 |
| Total domestic deposits to total assets | 79.1156% | 4,030 |
| Equity capital to assets | 12.4126% | 1,786 |
| Core capital (leverage) ratio | 13.1221% | 1,161 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9521% | 1,614 |
| Memoranda: | ||
| Average total assets | $1,182,304,500 | 703 |
| Average earning assets | $1,134,709,500 | 671 |
| Average equity | $148,380,000 | 664 |
| Average total loans | $948,703,500 | 627 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6253% | 455 |
| Cost of funding earning assets | 1.6652% | 222 |
| Net interest margin | 3.9601% | 1,972 |
| Noninterest income to average assets | 0.8401% | 1,332 |
| Noninterest expense to average assets | 2.8463% | 2,452 |
| Loan and lease loss provision to assets | 0.1109% | 1,881 |
| Net operating income to assets | 1.1891% | 2,096 |
| Return on assets (ROA) | 1.1891% | 2,195 |
| Pretax return on assets | 1.6688% | 1,275 |
| Return on Equity (ROE) | 9.9434% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.9434% | 502 |
| Net charge-offs to loans | 0.0781% | 1,982 |
| Credit loss provision to net charge-offs | 178.8171% | 1,457 |
| Earnings coverage of net charge-offs (x) | 28.6878% | 1,623 |
| Efficiency ratio | 61.5281% | 3,448 |
| Assets per employee ($millions) | 6.1185% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 2,776 |
| Loan loss allowance to noncurrent loans | 121.1941% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7832% | 1,652 |
| Noncurrent loans to loans | 0.9344% | 1,638 |
| Net loans and leases to total assets | 79.5776% | 841 |
| Net loans and leases to deposits | 95.0060% | 1,049 |
| Net loans and leases to core deposits | 128.0459% | 301 |
| Total domestic deposits to total assets | 83.7605% | 2,927 |
| Equity capital to assets | 12.6923% | 1,710 |
| Core capital (leverage) ratio | 12.5517% | 1,459 |
| Tier 1 risk-based capital ratio | 14.9173% | 2,814 |
| Total risk-based capital ratio | 16.0806% | 2,781 |
| Memoranda: | ||
| Average total assets | $1,171,890,400 | 676 |
| Average earning assets | $1,120,338,600 | 650 |
| Average equity | $140,142,600 | 667 |
| Average total loans | $930,478,600 | 617 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 431 |
| Cost of funding earning assets | 1.6799% | 217 |
| Net interest margin | 3.9956% | 1,958 |
| Noninterest income to average assets | 0.8556% | 1,253 |
| Noninterest expense to average assets | 2.8635% | 2,364 |
| Loan and lease loss provision to assets | 0.0681% | 2,519 |
| Net operating income to assets | 1.2385% | 2,058 |
| Return on assets (ROA) | 1.2385% | 2,138 |
| Pretax return on assets | 1.7424% | 1,215 |
| Return on Equity (ROE) | 10.5157% | 2,205 |
| Retained earnings to average equity (ytd only) | 10.5157% | 623 |
| Net charge-offs to loans | 0.0926% | 1,550 |
| Credit loss provision to net charge-offs | 93.0233% | 2,363 |
| Earnings coverage of net charge-offs (x) | 24.7209% | 1,784 |
| Efficiency ratio | 61.2647% | 3,443 |
| Assets per employee ($millions) | 6.1032% | 1,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 3,267 |
| Loan loss allowance to noncurrent loans | 169.8094% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.5077% | 2,492 |
| Noncurrent loans to loans | 0.6204% | 2,421 |
| Net loans and leases to total assets | 80.8173% | 728 |
| Net loans and leases to deposits | 94.6811% | 1,157 |
| Net loans and leases to core deposits | 128.3087% | 327 |
| Total domestic deposits to total assets | 85.3574% | 2,268 |
| Equity capital to assets | 12.4760% | 1,929 |
| Core capital (leverage) ratio | 12.1007% | 1,790 |
| Tier 1 risk-based capital ratio | 14.6646% | 3,003 |
| Total risk-based capital ratio | 15.7507% | 2,998 |
| Memoranda: | ||
| Average total assets | $1,174,233,000 | 673 |
| Average earning assets | $1,122,172,250 | 647 |
| Average equity | $138,290,750 | 670 |
| Average total loans | $929,173,000 | 619 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6567% | 432 |
| Cost of funding earning assets | 1.6257% | 247 |
| Net interest margin | 4.0310% | 1,828 |
| Noninterest income to average assets | 0.8669% | 1,164 |
| Noninterest expense to average assets | 2.9158% | 2,245 |
| Loan and lease loss provision to assets | 0.0509% | 2,799 |
| Net operating income to assets | 1.2482% | 1,967 |
| Return on assets (ROA) | 1.2482% | 2,025 |
| Pretax return on assets | 1.7537% | 1,164 |
| Return on Equity (ROE) | 10.8091% | 2,057 |
| Retained earnings to average equity (ytd only) | 10.8091% | 579 |
| Net charge-offs to loans | 0.0659% | 1,714 |
| Credit loss provision to net charge-offs | 98.6842% | 2,024 |
| Earnings coverage of net charge-offs (x) | 34.9967% | 1,337 |
| Efficiency ratio | 61.7701% | 3,470 |
| Assets per employee ($millions) | 6.2436% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0791% | 3,185 |
| Loan loss allowance to noncurrent loans | 304.4363% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 3,456 |
| Noncurrent loans to loans | 0.3544% | 3,275 |
| Net loans and leases to total assets | 76.6178% | 1,450 |
| Net loans and leases to deposits | 88.9908% | 1,863 |
| Net loans and leases to core deposits | 121.7660% | 496 |
| Total domestic deposits to total assets | 86.0964% | 1,977 |
| Equity capital to assets | 11.7373% | 2,400 |
| Core capital (leverage) ratio | 11.8901% | 1,895 |
| Tier 1 risk-based capital ratio | 14.6524% | 2,992 |
| Total risk-based capital ratio | 15.7698% | 2,980 |
| Memoranda: | ||
| Average total assets | $1,179,110,330 | 672 |
| Average earning assets | $1,127,161,000 | 642 |
| Average equity | $136,163,670 | 675 |
| Average total loans | $923,185,330 | 621 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 450 |
| Cost of funding earning assets | 1.5373% | 287 |
| Net interest margin | 4.0382% | 1,718 |
| Noninterest income to average assets | 0.7242% | 1,533 |
| Noninterest expense to average assets | 2.7942% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2794% | 1,777 |
| Return on assets (ROA) | 1.2794% | 1,818 |
| Pretax return on assets | 1.7912% | 993 |
| Return on Equity (ROE) | 11.1730% | 1,884 |
| Retained earnings to average equity (ytd only) | 11.1730% | 766 |
| Net charge-offs to loans | 0.1143% | 1,048 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 19.9087% | 1,578 |
| Efficiency ratio | 60.9370% | 3,689 |
| Assets per employee ($millions) | 6.3310% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0613% | 3,350 |
| Loan loss allowance to noncurrent loans | 633.7662% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.1321% | 4,139 |
| Noncurrent loans to loans | 0.1675% | 4,001 |
| Net loans and leases to total assets | 77.2645% | 1,276 |
| Net loans and leases to deposits | 89.5695% | 1,679 |
| Net loans and leases to core deposits | 123.5237% | 436 |
| Total domestic deposits to total assets | 86.2621% | 2,159 |
| Equity capital to assets | 11.5671% | 2,335 |
| Core capital (leverage) ratio | 11.9413% | 1,809 |
| Tier 1 risk-based capital ratio | 14.5138% | 3,095 |
| Total risk-based capital ratio | 15.6219% | 3,087 |
| Memoranda: | ||
| Average total assets | $1,169,281,500 | 682 |
| Average earning assets | $1,118,028,000 | 653 |
| Average equity | $133,894,000 | 683 |
| Average total loans | $920,533,500 | 627 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4876% | 413 |
| Cost of funding earning assets | 1.2194% | 312 |
| Net interest margin | 4.2682% | 1,231 |
| Noninterest income to average assets | 0.9146% | 1,142 |
| Noninterest expense to average assets | 2.7337% | 2,918 |
| Loan and lease loss provision to assets | 0.1212% | 1,818 |
| Net operating income to assets | 1.5497% | 994 |
| Return on assets (ROA) | 1.5497% | 989 |
| Pretax return on assets | 2.1435% | 403 |
| Return on Equity (ROE) | 14.2594% | 991 |
| Retained earnings to average equity (ytd only) | 14.2594% | 151 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6914% | 4,558 |
| Assets per employee ($millions) | 6.2085% | 1,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0877% | 3,182 |
| Loan loss allowance to noncurrent loans | 941.1268% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0939% | 4,356 |
| Noncurrent loans to loans | 0.1156% | 4,206 |
| Net loans and leases to total assets | 78.5053% | 1,178 |
| Net loans and leases to deposits | 90.3363% | 1,752 |
| Net loans and leases to core deposits | 123.9412% | 444 |
| Total domestic deposits to total assets | 86.9033% | 1,823 |
| Equity capital to assets | 11.3332% | 2,384 |
| Core capital (leverage) ratio | 11.3668% | 2,204 |
| Tier 1 risk-based capital ratio | 14.2416% | 3,186 |
| Total risk-based capital ratio | 15.3877% | 3,162 |
| Memoranda: | ||
| Average total assets | $1,130,303,800 | 681 |
| Average earning assets | $1,081,473,400 | 654 |
| Average equity | $122,838,200 | 703 |
| Average total loans | $882,261,200 | 629 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3516% | 474 |
| Cost of funding earning assets | 1.1367% | 345 |
| Net interest margin | 4.2149% | 1,314 |
| Noninterest income to average assets | 1.0752% | 819 |
| Noninterest expense to average assets | 2.7061% | 2,966 |
| Loan and lease loss provision to assets | 0.1425% | 1,399 |
| Net operating income to assets | 1.6212% | 923 |
| Return on assets (ROA) | 1.6212% | 924 |
| Pretax return on assets | 2.2573% | 366 |
| Return on Equity (ROE) | 15.0841% | 854 |
| Retained earnings to average equity (ytd only) | 15.0841% | 172 |
| Net charge-offs to loans | 0.0060% | 3,222 |
| Credit loss provision to net charge-offs | 3,076.9231% | 139 |
| Earnings coverage of net charge-offs (x) | 518.0896% | 176 |
| Efficiency ratio | 52.9995% | 4,707 |
| Assets per employee ($millions) | 6.8813% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,461 |
| Loan loss allowance to noncurrent loans | 700.0000% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1185% | 4,384 |
| Noncurrent loans to loans | 0.1500% | 4,214 |
| Net loans and leases to total assets | 76.7942% | 1,536 |
| Net loans and leases to deposits | 87.4413% | 2,219 |
| Net loans and leases to core deposits | 120.7627% | 554 |
| Total domestic deposits to total assets | 87.8238% | 1,324 |
| Equity capital to assets | 10.5554% | 3,087 |
| Core capital (leverage) ratio | 11.1493% | 2,457 |
| Tier 1 risk-based capital ratio | 13.4228% | 3,669 |
| Total risk-based capital ratio | 14.5633% | 3,646 |
| Memoranda: | ||
| Average total assets | $1,122,632,000 | 679 |
| Average earning assets | $1,073,571,500 | 655 |
| Average equity | $120,653,500 | 709 |
| Average total loans | $872,461,000 | 633 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2366% | 525 |
| Cost of funding earning assets | 1.0452% | 372 |
| Net interest margin | 4.1914% | 1,310 |
| Noninterest income to average assets | 1.2444% | 624 |
| Noninterest expense to average assets | 2.7293% | 2,912 |
| Loan and lease loss provision to assets | 0.1461% | 1,307 |
| Net operating income to assets | 1.6726% | 765 |
| Return on assets (ROA) | 1.6726% | 771 |
| Pretax return on assets | 2.3775% | 282 |
| Return on Equity (ROE) | 15.4614% | 764 |
| Retained earnings to average equity (ytd only) | 15.4614% | 180 |
| Net charge-offs to loans | 0.0178% | 2,548 |
| Credit loss provision to net charge-offs | 1,052.6316% | 389 |
| Earnings coverage of net charge-offs (x) | 181.8684% | 451 |
| Efficiency ratio | 51.9586% | 4,894 |
| Assets per employee ($millions) | 6.5734% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0343% | 3,627 |
| Loan loss allowance to noncurrent loans | 722.4191% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 4,425 |
| Noncurrent loans to loans | 0.1432% | 4,254 |
| Net loans and leases to total assets | 78.8995% | 1,177 |
| Net loans and leases to deposits | 90.9996% | 1,710 |
| Net loans and leases to core deposits | 127.4997% | 381 |
| Total domestic deposits to total assets | 86.7031% | 1,969 |
| Equity capital to assets | 10.7955% | 2,838 |
| Core capital (leverage) ratio | 11.3718% | 2,183 |
| Tier 1 risk-based capital ratio | 13.2283% | 3,776 |
| Total risk-based capital ratio | 14.3468% | 3,765 |
| Memoranda: | ||
| Average total assets | $1,095,435,330 | 698 |
| Average earning assets | $1,047,620,330 | 673 |
| Average equity | $118,501,330 | 718 |
| Average total loans | $851,752,330 | 644 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9889% | 712 |
| Cost of funding earning assets | 0.9608% | 446 |
| Net interest margin | 4.0281% | 1,627 |
| Noninterest income to average assets | 1.2269% | 615 |
| Noninterest expense to average assets | 2.7773% | 2,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6085% | 846 |
| Return on assets (ROA) | 1.6085% | 846 |
| Pretax return on assets | 2.3042% | 315 |
| Return on Equity (ROE) | 14.8528% | 825 |
| Retained earnings to average equity (ytd only) | 14.8528% | 335 |
| Net charge-offs to loans | 0.0471% | 1,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 63.8144% | 813 |
| Efficiency ratio | 54.6553% | 4,720 |
| Assets per employee ($millions) | 6.5263% | 1,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,797 |
| Loan loss allowance to noncurrent loans | 261.7314% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 3,622 |
| Noncurrent loans to loans | 0.3925% | 3,380 |
| Net loans and leases to total assets | 77.0174% | 1,387 |
| Net loans and leases to deposits | 88.4909% | 1,870 |
| Net loans and leases to core deposits | 124.9084% | 448 |
| Total domestic deposits to total assets | 87.0343% | 2,106 |
| Equity capital to assets | 11.0212% | 2,552 |
| Core capital (leverage) ratio | 11.3062% | 2,164 |
| Tier 1 risk-based capital ratio | 13.6172% | 3,592 |
| Total risk-based capital ratio | 14.7216% | 3,588 |
| Memoranda: | ||
| Average total assets | $1,074,552,500 | 711 |
| Average earning assets | $1,028,287,500 | 687 |
| Average equity | $116,369,000 | 736 |
| Average total loans | $824,317,000 | 669 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9494% | 711 |
| Cost of funding earning assets | 0.8137% | 577 |
| Net interest margin | 4.1357% | 1,335 |
| Noninterest income to average assets | 1.3681% | 559 |
| Noninterest expense to average assets | 2.8288% | 2,681 |
| Loan and lease loss provision to assets | 0.0519% | 3,190 |
| Net operating income to assets | 1.2408% | 1,388 |
| Return on assets (ROA) | 1.2408% | 1,404 |
| Pretax return on assets | 2.4293% | 206 |
| Return on Equity (ROE) | 11.2429% | 1,399 |
| Retained earnings to average equity (ytd only) | 10.7853% | 266 |
| Net charge-offs to loans | 0.0408% | 2,969 |
| Credit loss provision to net charge-offs | 162.1451% | 1,653 |
| Earnings coverage of net charge-offs (x) | 77.4890% | 791 |
| Efficiency ratio | 53.2728% | 5,012 |
| Assets per employee ($millions) | 6.7005% | 1,106 |
| Cash dividends to net income (ytd only)* | 4.0703% | 4,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,557 |
| Loan loss allowance to noncurrent loans | 191.2265% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4195% | 3,188 |
| Noncurrent loans to loans | 0.5547% | 2,837 |
| Net loans and leases to total assets | 74.8149% | 1,788 |
| Net loans and leases to deposits | 90.0717% | 1,763 |
| Net loans and leases to core deposits | 125.6026% | 447 |
| Total domestic deposits to total assets | 83.0615% | 3,541 |
| Equity capital to assets | 10.6394% | 3,004 |
| Core capital (leverage) ratio | 11.0249% | 2,314 |
| Tier 1 risk-based capital ratio | 13.5881% | 3,578 |
| Total risk-based capital ratio | 14.7420% | 3,543 |
| Memoranda: | ||
| Average total assets | $989,979,400 | 749 |
| Average earning assets | $943,608,200 | 715 |
| Average equity | $109,260,200 | 751 |
| Average total loans | $776,015,400 | 677 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9559% | 672 |
| Cost of funding earning assets | 0.7806% | 646 |
| Net interest margin | 4.1753% | 1,213 |
| Noninterest income to average assets | 1.4642% | 502 |
| Noninterest expense to average assets | 2.7904% | 2,760 |
| Loan and lease loss provision to assets | 0.0708% | 2,663 |
| Net operating income to assets | 1.5334% | 833 |
| Return on assets (ROA) | 1.5334% | 860 |
| Pretax return on assets | 2.5764% | 188 |
| Return on Equity (ROE) | 13.7555% | 886 |
| Retained earnings to average equity (ytd only) | 13.1376% | 213 |
| Net charge-offs to loans | 0.1255% | 1,529 |
| Credit loss provision to net charge-offs | 71.2899% | 2,687 |
| Earnings coverage of net charge-offs (x) | 26.6505% | 1,671 |
| Efficiency ratio | 51.3162% | 5,157 |
| Assets per employee ($millions) | 6.5123% | 1,173 |
| Cash dividends to net income (ytd only)* | 4.4924% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 3,838 |
| Loan loss allowance to noncurrent loans | 172.5371% | 2,508 |
| Noncurrent assets plus other real estate owned to assets | 0.4588% | 3,199 |
| Noncurrent loans to loans | 0.6031% | 2,899 |
| Net loans and leases to total assets | 75.2933% | 1,710 |
| Net loans and leases to deposits | 86.1475% | 2,276 |
| Net loans and leases to core deposits | 120.6037% | 574 |
| Total domestic deposits to total assets | 87.4004% | 1,670 |
| Equity capital to assets | 10.9095% | 2,952 |
| Core capital (leverage) ratio | 11.2243% | 2,244 |
| Tier 1 risk-based capital ratio | 13.6517% | 3,613 |
| Total risk-based capital ratio | 14.7746% | 3,600 |
| Memoranda: | ||
| Average total assets | $967,778,000 | 772 |
| Average earning assets | $920,975,250 | 741 |
| Average equity | $107,881,250 | 762 |
| Average total loans | $766,083,000 | 686 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8532% | 768 |
| Cost of funding earning assets | 0.7346% | 742 |
| Net interest margin | 4.1187% | 1,273 |
| Noninterest income to average assets | 1.4638% | 503 |
| Noninterest expense to average assets | 2.6881% | 3,129 |
| Loan and lease loss provision to assets | 0.0742% | 2,487 |
| Net operating income to assets | 1.5547% | 782 |
| Return on assets (ROA) | 1.5547% | 803 |
| Pretax return on assets | 2.6196% | 174 |
| Return on Equity (ROE) | 13.8386% | 841 |
| Retained earnings to average equity (ytd only) | 13.8386% | 192 |
| Net charge-offs to loans | 0.0074% | 3,191 |
| Credit loss provision to net charge-offs | 1,250.0000% | 322 |
| Earnings coverage of net charge-offs (x) | 453.6429% | 187 |
| Efficiency ratio | 49.9468% | 5,312 |
| Assets per employee ($millions) | 6.2514% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0983% | 3,592 |
| Loan loss allowance to noncurrent loans | 179.1794% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.4929% | 3,114 |
| Noncurrent loans to loans | 0.6129% | 2,888 |
| Net loans and leases to total assets | 79.5280% | 1,019 |
| Net loans and leases to deposits | 91.1028% | 1,596 |
| Net loans and leases to core deposits | 125.7578% | 400 |
| Total domestic deposits to total assets | 87.2948% | 1,807 |
| Equity capital to assets | 11.0680% | 2,737 |
| Core capital (leverage) ratio | 11.5223% | 1,954 |
| Tier 1 risk-based capital ratio | 13.4348% | 3,727 |
| Total risk-based capital ratio | 14.6112% | 3,691 |
| Memoranda: | ||
| Average total assets | $943,045,670 | 796 |
| Average earning assets | $897,133,000 | 764 |
| Average equity | $105,950,330 | 776 |
| Average total loans | $757,182,000 | 697 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7325% | 884 |
| Cost of funding earning assets | 0.6996% | 847 |
| Net interest margin | 4.0330% | 1,389 |
| Noninterest income to average assets | 1.3557% | 569 |
| Noninterest expense to average assets | 2.5855% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5515% | 747 |
| Return on assets (ROA) | 1.5515% | 768 |
| Pretax return on assets | 2.6077% | 186 |
| Return on Equity (ROE) | 13.6991% | 862 |
| Retained earnings to average equity (ytd only) | 13.6991% | 317 |
| Net charge-offs to loans | 0.0310% | 2,147 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 104.9474% | 515 |
| Efficiency ratio | 49.7859% | 5,386 |
| Assets per employee ($millions) | 6.2719% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,672 |
| Loan loss allowance to noncurrent loans | 235.1344% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3874% | 3,658 |
| Noncurrent loans to loans | 0.4712% | 3,404 |
| Net loans and leases to total assets | 81.3089% | 655 |
| Net loans and leases to deposits | 93.7246% | 1,140 |
| Net loans and leases to core deposits | 127.7936% | 292 |
| Total domestic deposits to total assets | 86.7531% | 2,331 |
| Equity capital to assets | 11.4754% | 2,198 |
| Core capital (leverage) ratio | 11.7514% | 1,788 |
| Tier 1 risk-based capital ratio | 13.5813% | 3,731 |
| Total risk-based capital ratio | 14.7648% | 3,683 |
| Memoranda: | ||
| Average total assets | $917,579,500 | 821 |
| Average earning assets | $873,106,000 | 790 |
| Average equity | $103,919,000 | 788 |
| Average total loans | $736,138,500 | 715 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8746% | 775 |
| Cost of funding earning assets | 0.7069% | 791 |
| Net interest margin | 4.1677% | 1,188 |
| Noninterest income to average assets | 1.4110% | 580 |
| Noninterest expense to average assets | 2.6452% | 3,540 |
| Loan and lease loss provision to assets | 0.4618% | 305 |
| Net operating income to assets | 1.3542% | 1,089 |
| Return on assets (ROA) | 1.3542% | 1,140 |
| Pretax return on assets | 2.2767% | 290 |
| Return on Equity (ROE) | 11.8751% | 1,279 |
| Retained earnings to average equity (ytd only) | 11.8751% | 229 |
| Net charge-offs to loans | 0.5735% | 403 |
| Credit loss provision to net charge-offs | 97.7444% | 2,650 |
| Earnings coverage of net charge-offs (x) | 5.7965% | 3,285 |
| Efficiency ratio | 49.1346% | 5,523 |
| Assets per employee ($millions) | 6.5697% | 1,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1839% | 3,213 |
| Loan loss allowance to noncurrent loans | 254.6221% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 3,298 |
| Noncurrent loans to loans | 0.4650% | 3,487 |
| Net loans and leases to total assets | 77.2872% | 1,314 |
| Net loans and leases to deposits | 88.7660% | 1,837 |
| Net loans and leases to core deposits | 119.4051% | 502 |
| Total domestic deposits to total assets | 87.0685% | 2,109 |
| Equity capital to assets | 11.1739% | 2,450 |
| Core capital (leverage) ratio | 11.4096% | 2,002 |
| Tier 1 risk-based capital ratio | 13.7099% | 3,644 |
| Total risk-based capital ratio | 14.9535% | 3,553 |
| Memoranda: | ||
| Average total assets | $844,573,800 | 857 |
| Average earning assets | $805,052,400 | 832 |
| Average equity | $96,310,600 | 823 |
| Average total loans | $695,778,000 | 724 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9283% | 688 |
| Cost of funding earning assets | 0.7086% | 781 |
| Net interest margin | 4.2196% | 1,079 |
| Noninterest income to average assets | 1.4353% | 579 |
| Noninterest expense to average assets | 2.6662% | 3,443 |
| Loan and lease loss provision to assets | 0.6284% | 182 |
| Net operating income to assets | 1.2886% | 1,327 |
| Return on assets (ROA) | 1.2886% | 1,431 |
| Pretax return on assets | 2.1620% | 418 |
| Return on Equity (ROE) | 11.2380% | 1,578 |
| Retained earnings to average equity (ytd only) | 11.2380% | 398 |
| Net charge-offs to loans | 0.0015% | 3,887 |
| Credit loss provision to net charge-offs | 48,750.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 2,163.8950% | 29 |
| Efficiency ratio | 48.8616% | 5,561 |
| Assets per employee ($millions) | 6.5644% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7398% | 1,127 |
| Loan loss allowance to noncurrent loans | 172.5822% | 2,506 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 2,145 |
| Noncurrent loans to loans | 1.0081% | 2,229 |
| Net loans and leases to total assets | 78.6841% | 1,086 |
| Net loans and leases to deposits | 90.4258% | 1,701 |
| Net loans and leases to core deposits | 121.4911% | 464 |
| Total domestic deposits to total assets | 87.0152% | 1,891 |
| Equity capital to assets | 11.0815% | 2,931 |
| Core capital (leverage) ratio | 11.6816% | 1,903 |
| Tier 1 risk-based capital ratio | 13.2559% | 4,003 |
| Total risk-based capital ratio | 14.5124% | 3,910 |
| Memoranda: | ||
| Average total assets | $827,418,750 | 880 |
| Average earning assets | $788,547,000 | 849 |
| Average equity | $94,878,500 | 845 |
| Average total loans | $691,163,000 | 724 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0203% | 569 |
| Cost of funding earning assets | 0.7181% | 728 |
| Net interest margin | 4.3022% | 921 |
| Noninterest income to average assets | 1.4950% | 532 |
| Noninterest expense to average assets | 2.7687% | 3,138 |
| Loan and lease loss provision to assets | 0.1986% | 1,088 |
| Net operating income to assets | 1.5496% | 807 |
| Return on assets (ROA) | 1.5496% | 847 |
| Pretax return on assets | 2.6401% | 180 |
| Return on Equity (ROE) | 13.3479% | 952 |
| Retained earnings to average equity (ytd only) | 13.3479% | 221 |
| Net charge-offs to loans | 0.0073% | 3,437 |
| Credit loss provision to net charge-offs | 3,200.0000% | 134 |
| Earnings coverage of net charge-offs (x) | 457.4000% | 147 |
| Efficiency ratio | 49.3758% | 5,602 |
| Assets per employee ($millions) | 6.3992% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,751 |
| Loan loss allowance to noncurrent loans | 272.3846% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5545% | 3,361 |
| Noncurrent loans to loans | 0.4792% | 3,650 |
| Net loans and leases to total assets | 85.3858% | 299 |
| Net loans and leases to deposits | 99.0654% | 779 |
| Net loans and leases to core deposits | 131.8916% | 278 |
| Total domestic deposits to total assets | 86.1914% | 2,332 |
| Equity capital to assets | 11.7560% | 2,308 |
| Core capital (leverage) ratio | 11.9349% | 1,677 |
| Tier 1 risk-based capital ratio | 13.1721% | 4,091 |
| Total risk-based capital ratio | 14.4240% | 4,016 |
| Memoranda: | ||
| Average total assets | $805,639,000 | 897 |
| Average earning assets | $770,116,670 | 872 |
| Average equity | $93,527,670 | 853 |
| Average total loans | $683,251,670 | 732 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0957% | 498 |
| Cost of funding earning assets | 0.7209% | 728 |
| Net interest margin | 4.3748% | 787 |
| Noninterest income to average assets | 1.4689% | 520 |
| Noninterest expense to average assets | 2.7844% | 3,132 |
| Loan and lease loss provision to assets | 0.2011% | 975 |
| Net operating income to assets | 1.5599% | 769 |
| Return on assets (ROA) | 1.5599% | 805 |
| Pretax return on assets | 2.6688% | 187 |
| Return on Equity (ROE) | 13.5253% | 925 |
| Retained earnings to average equity (ytd only) | 13.5253% | 352 |
| Net charge-offs to loans | -0.0479% | 5,301 |
| Credit loss provision to net charge-offs | -500.0000% | 4,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2443% | 5,666 |
| Assets per employee ($millions) | 6.0985% | 1,343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3510% | 2,647 |
| Loan loss allowance to noncurrent loans | 463.5850% | 1,096 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 4,047 |
| Noncurrent loans to loans | 0.2914% | 4,390 |
| Net loans and leases to total assets | 81.8700% | 574 |
| Net loans and leases to deposits | 94.6979% | 1,074 |
| Net loans and leases to core deposits | 120.0401% | 465 |
| Total domestic deposits to total assets | 86.4538% | 2,470 |
| Equity capital to assets | 11.6212% | 2,320 |
| Core capital (leverage) ratio | 12.0946% | 1,548 |
| Tier 1 risk-based capital ratio | 13.6178% | 3,917 |
| Total risk-based capital ratio | 14.8705% | 3,848 |
| Memoranda: | ||
| Average total assets | $795,712,000 | 910 |
| Average earning assets | $761,262,500 | 882 |
| Average equity | $91,769,000 | 869 |
| Average total loans | $667,790,000 | 743 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 966 |
| Cost of funding earning assets | 0.7139% | 765 |
| Net interest margin | 4.0621% | 1,516 |
| Noninterest income to average assets | 1.5191% | 543 |
| Noninterest expense to average assets | 2.7159% | 3,530 |
| Loan and lease loss provision to assets | 0.0682% | 2,930 |
| Net operating income to assets | 1.5375% | 802 |
| Return on assets (ROA) | 1.5375% | 829 |
| Pretax return on assets | 2.6231% | 167 |
| Return on Equity (ROE) | 13.4916% | 952 |
| Retained earnings to average equity (ytd only) | 13.4916% | 184 |
| Net charge-offs to loans | 0.1483% | 1,882 |
| Credit loss provision to net charge-offs | 53.7057% | 3,354 |
| Earnings coverage of net charge-offs (x) | 21.1987% | 1,825 |
| Efficiency ratio | 50.2270% | 5,750 |
| Assets per employee ($millions) | 6.1923% | 1,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 3,013 |
| Loan loss allowance to noncurrent loans | 270.3575% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4019% | 3,990 |
| Noncurrent loans to loans | 0.4736% | 3,770 |
| Net loans and leases to total assets | 83.7913% | 410 |
| Net loans and leases to deposits | 96.8321% | 919 |
| Net loans and leases to core deposits | 121.2875% | 446 |
| Total domestic deposits to total assets | 86.5326% | 2,361 |
| Equity capital to assets | 11.4426% | 2,404 |
| Core capital (leverage) ratio | 11.6786% | 1,830 |
| Tier 1 risk-based capital ratio | 13.2615% | 4,127 |
| Total risk-based capital ratio | 14.5135% | 4,075 |
| Memoranda: | ||
| Average total assets | $733,319,800 | 940 |
| Average earning assets | $701,902,800 | 914 |
| Average equity | $83,570,400 | 913 |
| Average total loans | $627,591,400 | 743 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 1,005 |
| Cost of funding earning assets | 0.7072% | 810 |
| Net interest margin | 4.0523% | 1,554 |
| Noninterest income to average assets | 1.4595% | 576 |
| Noninterest expense to average assets | 2.5450% | 4,066 |
| Loan and lease loss provision to assets | 0.0278% | 3,690 |
| Net operating income to assets | 1.6163% | 745 |
| Return on assets (ROA) | 1.6163% | 770 |
| Pretax return on assets | 2.7661% | 152 |
| Return on Equity (ROE) | 14.1990% | 863 |
| Retained earnings to average equity (ytd only) | 14.1990% | 199 |
| Net charge-offs to loans | -0.0240% | 5,262 |
| Credit loss provision to net charge-offs | -135.1351% | 5,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6693% | 5,883 |
| Assets per employee ($millions) | 6.5446% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,711 |
| Loan loss allowance to noncurrent loans | 314.4316% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3772% | 4,259 |
| Noncurrent loans to loans | 0.4379% | 4,037 |
| Net loans and leases to total assets | 84.9671% | 306 |
| Net loans and leases to deposits | 98.0014% | 816 |
| Net loans and leases to core deposits | 120.6656% | 450 |
| Total domestic deposits to total assets | 86.6999% | 2,187 |
| Equity capital to assets | 11.2043% | 2,798 |
| Core capital (leverage) ratio | 11.4026% | 2,120 |
| Tier 1 risk-based capital ratio | 12.8433% | 4,526 |
| Total risk-based capital ratio | 14.0965% | 4,439 |
| Memoranda: | ||
| Average total assets | $720,044,000 | 968 |
| Average earning assets | $689,311,500 | 935 |
| Average equity | $81,966,250 | 933 |
| Average total loans | $617,614,250 | 766 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 946 |
| Cost of funding earning assets | 0.6877% | 898 |
| Net interest margin | 4.0828% | 1,400 |
| Noninterest income to average assets | 1.5624% | 527 |
| Noninterest expense to average assets | 2.6354% | 3,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6549% | 678 |
| Return on assets (ROA) | 1.6549% | 706 |
| Pretax return on assets | 2.8342% | 154 |
| Return on Equity (ROE) | 14.4536% | 827 |
| Retained earnings to average equity (ytd only) | 14.4536% | 214 |
| Net charge-offs to loans | -0.0207% | 5,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1833% | 5,950 |
| Assets per employee ($millions) | 6.3053% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 2,501 |
| Loan loss allowance to noncurrent loans | 265.2289% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 4,103 |
| Noncurrent loans to loans | 0.5477% | 3,811 |
| Net loans and leases to total assets | 82.4167% | 515 |
| Net loans and leases to deposits | 95.1224% | 1,037 |
| Net loans and leases to core deposits | 119.3785% | 481 |
| Total domestic deposits to total assets | 86.6427% | 2,351 |
| Equity capital to assets | 11.2959% | 2,574 |
| Core capital (leverage) ratio | 11.9140% | 1,707 |
| Tier 1 risk-based capital ratio | 13.4228% | 4,261 |
| Total risk-based capital ratio | 14.6772% | 4,194 |
| Memoranda: | ||
| Average total assets | $700,456,330 | 998 |
| Average earning assets | $670,318,000 | 962 |
| Average equity | $80,201,670 | 960 |
| Average total loans | $599,829,670 | 785 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6844% | 1,059 |
| Cost of funding earning assets | 0.6865% | 919 |
| Net interest margin | 3.9979% | 1,559 |
| Noninterest income to average assets | 1.5548% | 508 |
| Noninterest expense to average assets | 2.5650% | 4,048 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6338% | 672 |
| Return on assets (ROA) | 1.6338% | 704 |
| Pretax return on assets | 2.8102% | 159 |
| Return on Equity (ROE) | 14.1645% | 844 |
| Retained earnings to average equity (ytd only) | 14.1645% | 345 |
| Net charge-offs to loans | -0.0122% | 4,812 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7193% | 6,035 |
| Assets per employee ($millions) | 6.6405% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 2,525 |
| Loan loss allowance to noncurrent loans | 254.5274% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.5021% | 4,013 |
| Noncurrent loans to loans | 0.5820% | 3,833 |
| Net loans and leases to total assets | 84.9845% | 247 |
| Net loans and leases to deposits | 98.2435% | 660 |
| Net loans and leases to core deposits | 122.6235% | 361 |
| Total domestic deposits to total assets | 86.5039% | 2,666 |
| Equity capital to assets | 11.4640% | 2,499 |
| Core capital (leverage) ratio | 12.0803% | 1,587 |
| Tier 1 risk-based capital ratio | 13.2203% | 4,484 |
| Total risk-based capital ratio | 14.4750% | 4,403 |
| Memoranda: | ||
| Average total assets | $678,670,500 | 1,030 |
| Average earning assets | $648,534,000 | 990 |
| Average equity | $78,280,000 | 980 |
| Average total loans | $588,623,500 | 795 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6663% | 1,381 |
| Cost of funding earning assets | 0.7239% | 982 |
| Net interest margin | 3.9424% | 2,082 |
| Noninterest income to average assets | 1.9060% | 368 |
| Noninterest expense to average assets | 2.6419% | 4,076 |
| Loan and lease loss provision to assets | -0.1044% | 6,155 |
| Net operating income to assets | 1.8292% | 451 |
| Return on assets (ROA) | 1.8292% | 467 |
| Pretax return on assets | 3.1318% | 100 |
| Return on Equity (ROE) | 15.9633% | 626 |
| Retained earnings to average equity (ytd only) | 15.9633% | 124 |
| Net charge-offs to loans | -0.1353% | 6,185 |
| Credit loss provision to net charge-offs | 92.4638% | 2,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5999% | 6,242 |
| Assets per employee ($millions) | 6.3442% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 2,178 |
| Loan loss allowance to noncurrent loans | 402.7367% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3411% | 4,691 |
| Noncurrent loans to loans | 0.3910% | 4,471 |
| Net loans and leases to total assets | 85.8638% | 215 |
| Net loans and leases to deposits | 97.9513% | 763 |
| Net loans and leases to core deposits | 122.4527% | 350 |
| Total domestic deposits to total assets | 87.6597% | 1,949 |
| Equity capital to assets | 11.6101% | 2,331 |
| Core capital (leverage) ratio | 11.7517% | 1,793 |
| Tier 1 risk-based capital ratio | 13.1898% | 4,593 |
| Total risk-based capital ratio | 14.4457% | 4,518 |
| Memoranda: | ||
| Average total assets | $610,853,400 | 1,085 |
| Average earning assets | $583,098,600 | 1,046 |
| Average equity | $69,998,200 | 1,050 |
| Average total loans | $509,890,400 | 874 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 1,530 |
| Cost of funding earning assets | 0.7367% | 956 |
| Net interest margin | 3.8757% | 2,336 |
| Noninterest income to average assets | 1.9495% | 360 |
| Noninterest expense to average assets | 2.5771% | 4,268 |
| Loan and lease loss provision to assets | -0.2617% | 6,437 |
| Net operating income to assets | 1.9553% | 376 |
| Return on assets (ROA) | 1.9553% | 384 |
| Pretax return on assets | 3.3317% | 94 |
| Return on Equity (ROE) | 17.1246% | 535 |
| Retained earnings to average equity (ytd only) | 17.1246% | 137 |
| Net charge-offs to loans | -0.2999% | 6,391 |
| Credit loss provision to net charge-offs | 105.8401% | 2,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6355% | 6,309 |
| Assets per employee ($millions) | 6.2215% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6548% | 2,123 |
| Loan loss allowance to noncurrent loans | 423.7207% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.3328% | 4,936 |
| Noncurrent loans to loans | 0.3905% | 4,743 |
| Net loans and leases to total assets | 83.7943% | 346 |
| Net loans and leases to deposits | 95.6491% | 914 |
| Net loans and leases to core deposits | 118.2750% | 428 |
| Total domestic deposits to total assets | 87.6059% | 1,974 |
| Equity capital to assets | 11.6605% | 2,351 |
| Core capital (leverage) ratio | 11.8206% | 1,818 |
| Tier 1 risk-based capital ratio | 13.5721% | 4,492 |
| Total risk-based capital ratio | 14.8286% | 4,433 |
| Memoranda: | ||
| Average total assets | $600,204,250 | 1,113 |
| Average earning assets | $572,614,250 | 1,068 |
| Average equity | $68,531,250 | 1,075 |
| Average total loans | $494,849,500 | 910 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5372% | 1,702 |
| Cost of funding earning assets | 0.7466% | 939 |
| Net interest margin | 3.7907% | 2,599 |
| Noninterest income to average assets | 1.9979% | 344 |
| Noninterest expense to average assets | 2.5991% | 4,242 |
| Loan and lease loss provision to assets | -0.3988% | 6,559 |
| Net operating income to assets | 1.9847% | 348 |
| Return on assets (ROA) | 1.9847% | 360 |
| Pretax return on assets | 3.4088% | 89 |
| Return on Equity (ROE) | 17.5142% | 503 |
| Retained earnings to average equity (ytd only) | 17.5142% | 133 |
| Net charge-offs to loans | -0.4529% | 6,501 |
| Credit loss provision to net charge-offs | 108.0734% | 1,855 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3368% | 6,348 |
| Assets per employee ($millions) | 6.7040% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 1,949 |
| Loan loss allowance to noncurrent loans | 409.8794% | 1,122 |
| Noncurrent assets plus other real estate owned to assets | 0.3421% | 5,013 |
| Noncurrent loans to loans | 0.4298% | 4,700 |
| Net loans and leases to total assets | 78.1986% | 888 |
| Net loans and leases to deposits | 88.6221% | 1,518 |
| Net loans and leases to core deposits | 109.0900% | 725 |
| Total domestic deposits to total assets | 88.2383% | 1,761 |
| Equity capital to assets | 11.1030% | 2,784 |
| Core capital (leverage) ratio | 11.5684% | 1,948 |
| Tier 1 risk-based capital ratio | 13.8330% | 4,368 |
| Total risk-based capital ratio | 15.0909% | 4,311 |
| Memoranda: | ||
| Average total assets | $590,815,330 | 1,128 |
| Average earning assets | $562,853,670 | 1,088 |
| Average equity | $66,951,330 | 1,092 |
| Average total loans | $481,333,000 | 928 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6421% | 1,396 |
| Cost of funding earning assets | 0.7560% | 945 |
| Net interest margin | 3.8861% | 2,135 |
| Noninterest income to average assets | 2.3217% | 264 |
| Noninterest expense to average assets | 2.7272% | 3,841 |
| Loan and lease loss provision to assets | -0.8250% | 6,693 |
| Net operating income to assets | 2.4043% | 173 |
| Return on assets (ROA) | 2.4043% | 185 |
| Pretax return on assets | 4.1167% | 84 |
| Return on Equity (ROE) | 20.9833% | 247 |
| Retained earnings to average equity (ytd only) | 20.9833% | 102 |
| Net charge-offs to loans | -0.8404% | 6,611 |
| Credit loss provision to net charge-offs | 118.9899% | 1,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3107% | 6,448 |
| Assets per employee ($millions) | 6.2186% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8488% | 1,904 |
| Loan loss allowance to noncurrent loans | 330.4463% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 4,754 |
| Noncurrent loans to loans | 0.5595% | 4,486 |
| Net loans and leases to total assets | 81.0747% | 454 |
| Net loans and leases to deposits | 92.5196% | 914 |
| Net loans and leases to core deposits | 116.9645% | 383 |
| Total domestic deposits to total assets | 87.6297% | 2,438 |
| Equity capital to assets | 11.7589% | 2,044 |
| Core capital (leverage) ratio | 11.9315% | 1,693 |
| Tier 1 risk-based capital ratio | 14.1947% | 4,195 |
| Total risk-based capital ratio | 15.4539% | 4,138 |
| Memoranda: | ||
| Average total assets | $571,133,500 | 1,164 |
| Average earning assets | $543,371,000 | 1,126 |
| Average equity | $65,442,500 | 1,118 |
| Average total loans | $471,185,500 | 944 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6032% | 1,867 |
| Cost of funding earning assets | 0.7170% | 1,697 |
| Net interest margin | 3.8862% | 2,345 |
| Noninterest income to average assets | 1.8322% | 452 |
| Noninterest expense to average assets | 2.8369% | 3,582 |
| Loan and lease loss provision to assets | -0.2609% | 6,650 |
| Net operating income to assets | 1.7920% | 491 |
| Return on assets (ROA) | 1.7920% | 506 |
| Pretax return on assets | 2.9574% | 127 |
| Return on Equity (ROE) | 15.1578% | 735 |
| Retained earnings to average equity (ytd only) | 14.6489% | 180 |
| Net charge-offs to loans | 0.1074% | 3,757 |
| Credit loss provision to net charge-offs | -296.4835% | 6,049 |
| Earnings coverage of net charge-offs (x) | 30.6374% | 1,164 |
| Efficiency ratio | 51.2690% | 6,346 |
| Assets per employee ($millions) | 6.4790% | 990 |
| Cash dividends to net income (ytd only)* | 3.3571% | 4,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 1,781 |
| Loan loss allowance to noncurrent loans | 179.1809% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 3,704 |
| Noncurrent loans to loans | 1.0602% | 3,392 |
| Net loans and leases to total assets | 80.8326% | 512 |
| Net loans and leases to deposits | 91.5469% | 1,105 |
| Net loans and leases to core deposits | 115.2523% | 438 |
| Total domestic deposits to total assets | 88.2963% | 2,009 |
| Equity capital to assets | 11.1568% | 2,468 |
| Core capital (leverage) ratio | 12.0717% | 1,552 |
| Tier 1 risk-based capital ratio | 13.5515% | 4,614 |
| Total risk-based capital ratio | 14.8116% | 4,553 |
| Memoranda: | ||
| Average total assets | $516,974,600 | 1,283 |
| Average earning assets | $492,358,200 | 1,240 |
| Average equity | $61,117,200 | 1,176 |
| Average total loans | $423,766,200 | 1,010 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5980% | 1,911 |
| Cost of funding earning assets | 0.7204% | 1,806 |
| Net interest margin | 3.8776% | 2,354 |
| Noninterest income to average assets | 1.9110% | 445 |
| Noninterest expense to average assets | 2.8899% | 3,338 |
| Loan and lease loss provision to assets | -0.3571% | 6,796 |
| Net operating income to assets | 1.8424% | 487 |
| Return on assets (ROA) | 1.8424% | 502 |
| Pretax return on assets | 3.0783% | 128 |
| Return on Equity (ROE) | 15.3400% | 742 |
| Retained earnings to average equity (ytd only) | 14.6546% | 220 |
| Net charge-offs to loans | 0.1653% | 2,904 |
| Credit loss provision to net charge-offs | -263.9922% | 5,948 |
| Earnings coverage of net charge-offs (x) | 20.1173% | 1,603 |
| Efficiency ratio | 51.5026% | 6,291 |
| Assets per employee ($millions) | 5.8873% | 1,315 |
| Cash dividends to net income (ytd only)* | 4.4684% | 3,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0020% | 1,714 |
| Loan loss allowance to noncurrent loans | 169.6118% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 3,607 |
| Noncurrent loans to loans | 1.1803% | 3,459 |
| Net loans and leases to total assets | 84.7616% | 201 |
| Net loans and leases to deposits | 96.8587% | 634 |
| Net loans and leases to core deposits | 119.4998% | 334 |
| Total domestic deposits to total assets | 87.5106% | 2,411 |
| Equity capital to assets | 11.8764% | 1,998 |
| Core capital (leverage) ratio | 12.0573% | 1,637 |
| Tier 1 risk-based capital ratio | 13.6311% | 4,669 |
| Total risk-based capital ratio | 14.8927% | 4,619 |
| Memoranda: | ||
| Average total assets | $503,679,500 | 1,333 |
| Average earning assets | $480,627,000 | 1,282 |
| Average equity | $60,493,750 | 1,198 |
| Average total loans | $412,258,750 | 1,034 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4850% | 2,254 |
| Cost of funding earning assets | 0.7261% | 1,876 |
| Net interest margin | 3.7589% | 2,725 |
| Noninterest income to average assets | 1.8557% | 497 |
| Noninterest expense to average assets | 2.6444% | 4,236 |
| Loan and lease loss provision to assets | -0.5387% | 6,877 |
| Net operating income to assets | 1.9355% | 394 |
| Return on assets (ROA) | 1.9355% | 426 |
| Pretax return on assets | 3.3472% | 115 |
| Return on Equity (ROE) | 16.0545% | 660 |
| Retained earnings to average equity (ytd only) | 15.5213% | 210 |
| Net charge-offs to loans | -0.2886% | 6,745 |
| Credit loss provision to net charge-offs | 232.5862% | 1,067 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4951% | 6,507 |
| Assets per employee ($millions) | 6.1867% | 1,082 |
| Cash dividends to net income (ytd only)* | 3.3216% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3625% | 1,150 |
| Loan loss allowance to noncurrent loans | 368.0710% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.5207% | 4,965 |
| Noncurrent loans to loans | 0.6419% | 4,657 |
| Net loans and leases to total assets | 79.2091% | 619 |
| Net loans and leases to deposits | 91.4716% | 1,015 |
| Net loans and leases to core deposits | 111.6665% | 494 |
| Total domestic deposits to total assets | 86.5942% | 3,060 |
| Equity capital to assets | 12.6141% | 1,511 |
| Core capital (leverage) ratio | 13.4291% | 1,006 |
| Tier 1 risk-based capital ratio | 15.6214% | 3,413 |
| Total risk-based capital ratio | 16.8874% | 3,350 |
| Memoranda: | ||
| Average total assets | $500,841,330 | 1,335 |
| Average earning assets | $479,286,330 | 1,282 |
| Average equity | $60,381,670 | 1,208 |
| Average total loans | $402,007,330 | 1,054 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4667% | 2,289 |
| Cost of funding earning assets | 0.7529% | 1,826 |
| Net interest margin | 3.7138% | 2,798 |
| Noninterest income to average assets | 1.5189% | 673 |
| Noninterest expense to average assets | 2.5501% | 4,568 |
| Loan and lease loss provision to assets | -1.0980% | 6,996 |
| Net operating income to assets | 2.1529% | 266 |
| Return on assets (ROA) | 2.1529% | 291 |
| Pretax return on assets | 3.6238% | 105 |
| Return on Equity (ROE) | 18.3058% | 410 |
| Retained earnings to average equity (ytd only) | 17.3922% | 216 |
| Net charge-offs to loans | -0.7975% | 6,910 |
| Credit loss provision to net charge-offs | 172.5064% | 1,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2405% | 6,487 |
| Assets per employee ($millions) | 6.4230% | 1,013 |
| Cash dividends to net income (ytd only)* | 4.9905% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5599% | 1,052 |
| Loan loss allowance to noncurrent loans | 317.2651% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.6393% | 4,777 |
| Noncurrent loans to loans | 0.8069% | 4,509 |
| Net loans and leases to total assets | 77.2068% | 699 |
| Net loans and leases to deposits | 88.3147% | 1,114 |
| Net loans and leases to core deposits | 109.0063% | 528 |
| Total domestic deposits to total assets | 87.4224% | 2,676 |
| Equity capital to assets | 11.8148% | 2,162 |
| Core capital (leverage) ratio | 12.2142% | 1,453 |
| Tier 1 risk-based capital ratio | 15.0669% | 3,792 |
| Total risk-based capital ratio | 16.3356% | 3,739 |
| Memoranda: | ||
| Average total assets | $491,422,500 | 1,374 |
| Average earning assets | $470,682,500 | 1,311 |
| Average equity | $57,796,000 | 1,262 |
| Average total loans | $392,214,500 | 1,087 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 1,894 |
| Cost of funding earning assets | 0.8086% | 2,600 |
| Net interest margin | 4.0748% | 2,104 |
| Noninterest income to average assets | 1.1498% | 1,184 |
| Noninterest expense to average assets | 2.5241% | 5,013 |
| Loan and lease loss provision to assets | 0.0510% | 5,177 |
| Net operating income to assets | 1.6972% | 620 |
| Return on assets (ROA) | 1.6972% | 700 |
| Pretax return on assets | 2.4849% | 260 |
| Return on Equity (ROE) | 14.3427% | 926 |
| Retained earnings to average equity (ytd only) | 13.7570% | 213 |
| Net charge-offs to loans | 0.1174% | 4,516 |
| Credit loss provision to net charge-offs | 53.0516% | 4,617 |
| Earnings coverage of net charge-offs (x) | 26.3685% | 1,101 |
| Efficiency ratio | 49.8840% | 6,596 |
| Assets per employee ($millions) | 6.6007% | 951 |
| Cash dividends to net income (ytd only)* | 4.0835% | 4,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7690% | 850 |
| Loan loss allowance to noncurrent loans | 324.6293% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 4,772 |
| Noncurrent loans to loans | 0.8530% | 4,473 |
| Net loans and leases to total assets | 78.1853% | 651 |
| Net loans and leases to deposits | 89.0646% | 1,155 |
| Net loans and leases to core deposits | 114.4502% | 401 |
| Total domestic deposits to total assets | 87.7849% | 2,359 |
| Equity capital to assets | 11.7050% | 2,270 |
| Core capital (leverage) ratio | 12.1763% | 1,462 |
| Tier 1 risk-based capital ratio | 14.4719% | 4,055 |
| Total risk-based capital ratio | 15.7432% | 3,988 |
| Memoranda: | ||
| Average total assets | $442,963,200 | 1,486 |
| Average earning assets | $425,080,000 | 1,421 |
| Average equity | $52,416,800 | 1,361 |
| Average total loans | $362,806,400 | 1,152 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8933% | 2,034 |
| Cost of funding earning assets | 0.8285% | 2,716 |
| Net interest margin | 4.0649% | 2,232 |
| Noninterest income to average assets | 1.1928% | 1,063 |
| Noninterest expense to average assets | 2.4974% | 5,097 |
| Loan and lease loss provision to assets | 0.0696% | 4,804 |
| Net operating income to assets | 1.6058% | 829 |
| Return on assets (ROA) | 1.6058% | 928 |
| Pretax return on assets | 2.5276% | 276 |
| Return on Equity (ROE) | 13.5299% | 1,216 |
| Retained earnings to average equity (ytd only) | 13.0735% | 388 |
| Net charge-offs to loans | 0.0426% | 5,055 |
| Credit loss provision to net charge-offs | 198.2456% | 1,402 |
| Earnings coverage of net charge-offs (x) | 74.0245% | 557 |
| Efficiency ratio | 49.0214% | 6,660 |
| Assets per employee ($millions) | 6.4292% | 986 |
| Cash dividends to net income (ytd only)* | 3.3729% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9254% | 781 |
| Loan loss allowance to noncurrent loans | 404.5804% | 928 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 5,159 |
| Noncurrent loans to loans | 0.7231% | 4,986 |
| Net loans and leases to total assets | 81.4099% | 392 |
| Net loans and leases to deposits | 93.2156% | 852 |
| Net loans and leases to core deposits | 120.4300% | 299 |
| Total domestic deposits to total assets | 87.3351% | 2,474 |
| Equity capital to assets | 12.0239% | 2,238 |
| Core capital (leverage) ratio | 12.1116% | 1,588 |
| Tier 1 risk-based capital ratio | 14.3605% | 4,289 |
| Total risk-based capital ratio | 15.6341% | 4,246 |
| Memoranda: | ||
| Average total assets | $433,240,750 | 1,538 |
| Average earning assets | $415,847,500 | 1,463 |
| Average equity | $51,420,750 | 1,389 |
| Average total loans | $356,641,250 | 1,172 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8641% | 2,256 |
| Cost of funding earning assets | 0.8423% | 2,861 |
| Net interest margin | 4.0218% | 2,406 |
| Noninterest income to average assets | 1.2108% | 975 |
| Noninterest expense to average assets | 2.5437% | 4,984 |
| Loan and lease loss provision to assets | 0.1057% | 4,207 |
| Net operating income to assets | 1.5995% | 835 |
| Return on assets (ROA) | 1.5995% | 933 |
| Pretax return on assets | 2.4203% | 335 |
| Return on Equity (ROE) | 13.5383% | 1,222 |
| Retained earnings to average equity (ytd only) | 13.3562% | 401 |
| Net charge-offs to loans | 0.0034% | 5,467 |
| Credit loss provision to net charge-offs | 3,766.6667% | 73 |
| Earnings coverage of net charge-offs (x) | 900.1667% | 37 |
| Efficiency ratio | 50.1753% | 6,633 |
| Assets per employee ($millions) | 6.7913% | 820 |
| Cash dividends to net income (ytd only)* | 1.3450% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0230% | 760 |
| Loan loss allowance to noncurrent loans | 157.6945% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 1.5309% | 3,403 |
| Noncurrent loans to loans | 1.9170% | 3,047 |
| Net loans and leases to total assets | 77.4465% | 789 |
| Net loans and leases to deposits | 87.9538% | 1,367 |
| Net loans and leases to core deposits | 115.3162% | 411 |
| Total domestic deposits to total assets | 88.0536% | 2,106 |
| Equity capital to assets | 11.3305% | 2,749 |
| Core capital (leverage) ratio | 12.4966% | 1,352 |
| Tier 1 risk-based capital ratio | 14.1616% | 4,329 |
| Total risk-based capital ratio | 15.4364% | 4,277 |
| Memoranda: | ||
| Average total assets | $427,638,670 | 1,560 |
| Average earning assets | $410,309,670 | 1,483 |
| Average equity | $50,523,330 | 1,405 |
| Average total loans | $349,713,670 | 1,201 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1162% | 1,531 |
| Cost of funding earning assets | 0.8706% | 2,911 |
| Net interest margin | 4.2455% | 1,621 |
| Noninterest income to average assets | 1.1253% | 1,116 |
| Noninterest expense to average assets | 2.8576% | 3,794 |
| Loan and lease loss provision to assets | -0.0721% | 7,163 |
| Net operating income to assets | 1.6485% | 796 |
| Return on assets (ROA) | 1.6485% | 888 |
| Pretax return on assets | 2.4114% | 379 |
| Return on Equity (ROE) | 13.6390% | 1,272 |
| Retained earnings to average equity (ytd only) | 13.4536% | 625 |
| Net charge-offs to loans | 0.0988% | 3,545 |
| Credit loss provision to net charge-offs | -88.0952% | 5,479 |
| Earnings coverage of net charge-offs (x) | 28.5833% | 959 |
| Efficiency ratio | 54.9869% | 6,233 |
| Assets per employee ($millions) | 6.6617% | 894 |
| Cash dividends to net income (ytd only)* | 1.3593% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1055% | 755 |
| Loan loss allowance to noncurrent loans | 150.7277% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.7302% | 3,265 |
| Noncurrent loans to loans | 2.0603% | 3,078 |
| Net loans and leases to total assets | 81.3661% | 311 |
| Net loans and leases to deposits | 93.6051% | 692 |
| Net loans and leases to core deposits | 118.1381% | 338 |
| Total domestic deposits to total assets | 86.9248% | 2,997 |
| Equity capital to assets | 12.2251% | 1,898 |
| Core capital (leverage) ratio | 12.2385% | 1,466 |
| Tier 1 risk-based capital ratio | 14.2287% | 4,291 |
| Total risk-based capital ratio | 15.5037% | 4,251 |
| Memoranda: | ||
| Average total assets | $410,555,500 | 1,617 |
| Average earning assets | $393,732,500 | 1,543 |
| Average equity | $49,622,500 | 1,422 |
| Average total loans | $340,170,000 | 1,243 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 4,082 |
| Cost of funding earning assets | 1.0001% | 3,380 |
| Net interest margin | 3.7395% | 4,116 |
| Noninterest income to average assets | 1.0489% | 1,219 |
| Noninterest expense to average assets | 2.1423% | 6,400 |
| Loan and lease loss provision to assets | 2.0563% | 277 |
| Net operating income to assets | 0.4568% | 4,604 |
| Return on assets (ROA) | 0.4568% | 4,819 |
| Pretax return on assets | 0.4453% | 5,147 |
| Return on Equity (ROE) | 3.9069% | 4,899 |
| Retained earnings to average equity (ytd only) | 3.2908% | 3,883 |
| Net charge-offs to loans | 1.7089% | 891 |
| Credit loss provision to net charge-offs | 149.1712% | 1,901 |
| Earnings coverage of net charge-offs (x) | 1.8148% | 4,426 |
| Efficiency ratio | 46.1304% | 7,039 |
| Assets per employee ($millions) | 6.8014% | 817 |
| Cash dividends to net income (ytd only)* | 15.7694% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2770% | 635 |
| Loan loss allowance to noncurrent loans | 79.0067% | 3,695 |
| Noncurrent assets plus other real estate owned to assets | 3.3897% | 1,749 |
| Noncurrent loans to loans | 4.1478% | 1,487 |
| Net loans and leases to total assets | 79.0465% | 605 |
| Net loans and leases to deposits | 90.3582% | 1,119 |
| Net loans and leases to core deposits | 111.9069% | 568 |
| Total domestic deposits to total assets | 87.4813% | 2,480 |
| Equity capital to assets | 11.9466% | 2,167 |
| Core capital (leverage) ratio | 11.9864% | 1,603 |
| Tier 1 risk-based capital ratio | 14.1323% | 4,233 |
| Total risk-based capital ratio | 15.4072% | 4,166 |
| Memoranda: | ||
| Average total assets | $402,608,600 | 1,613 |
| Average earning assets | $387,056,800 | 1,534 |
| Average equity | $47,070,000 | 1,443 |
| Average total loans | $324,765,000 | 1,307 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 4,350 |
| Cost of funding earning assets | 1.0286% | 3,477 |
| Net interest margin | 3.6933% | 4,370 |
| Noninterest income to average assets | 1.1335% | 1,030 |
| Noninterest expense to average assets | 2.0911% | 6,512 |
| Loan and lease loss provision to assets | 2.7511% | 138 |
| Net operating income to assets | -0.1107% | 6,295 |
| Return on assets (ROA) | -0.1107% | 6,377 |
| Pretax return on assets | -0.1578% | 6,376 |
| Return on Equity (ROE) | -0.9518% | 6,374 |
| Retained earnings to average equity (ytd only) | -1.7177% | 6,263 |
| Net charge-offs to loans | 2.0935% | 590 |
| Credit loss provision to net charge-offs | 163.4551% | 1,873 |
| Earnings coverage of net charge-offs (x) | 1.5408% | 4,483 |
| Efficiency ratio | 44.6407% | 7,122 |
| Assets per employee ($millions) | 6.9334% | 763 |
| Cash dividends to net income (ytd only)* | -80.4793% | 7,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4852% | 571 |
| Loan loss allowance to noncurrent loans | 75.2456% | 3,753 |
| Noncurrent assets plus other real estate owned to assets | 3.7721% | 1,648 |
| Noncurrent loans to loans | 4.6318% | 1,392 |
| Net loans and leases to total assets | 78.6006% | 649 |
| Net loans and leases to deposits | 89.4228% | 1,275 |
| Net loans and leases to core deposits | 111.6988% | 621 |
| Total domestic deposits to total assets | 87.8977% | 2,091 |
| Equity capital to assets | 11.5697% | 2,621 |
| Core capital (leverage) ratio | 11.5070% | 2,022 |
| Tier 1 risk-based capital ratio | 13.6475% | 4,615 |
| Total risk-based capital ratio | 14.9252% | 4,567 |
| Memoranda: | ||
| Average total assets | $401,239,750 | 1,623 |
| Average earning assets | $385,767,000 | 1,545 |
| Average equity | $46,649,500 | 1,462 |
| Average total loans | $322,580,000 | 1,326 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6881% | 4,582 |
| Cost of funding earning assets | 1.0594% | 3,544 |
| Net interest margin | 3.6287% | 4,611 |
| Noninterest income to average assets | 1.2481% | 810 |
| Noninterest expense to average assets | 2.0866% | 6,623 |
| Loan and lease loss provision to assets | 3.8470% | 85 |
| Net operating income to assets | -0.7467% | 6,842 |
| Return on assets (ROA) | -0.7467% | 6,857 |
| Pretax return on assets | -1.1947% | 6,965 |
| Return on Equity (ROE) | -6.4124% | 6,800 |
| Retained earnings to average equity (ytd only) | -7.4747% | 6,742 |
| Net charge-offs to loans | 3.1171% | 319 |
| Credit loss provision to net charge-offs | 154.1783% | 1,975 |
| Earnings coverage of net charge-offs (x) | 1.0630% | 4,493 |
| Efficiency ratio | 44.0316% | 7,232 |
| Assets per employee ($millions) | 7.0059% | 718 |
| Cash dividends to net income (ytd only)* | -16.5665% | 7,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4374% | 626 |
| Loan loss allowance to noncurrent loans | 67.3998% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 4.0535% | 1,577 |
| Noncurrent loans to loans | 5.1001% | 1,273 |
| Net loans and leases to total assets | 76.7463% | 956 |
| Net loans and leases to deposits | 87.0367% | 1,642 |
| Net loans and leases to core deposits | 111.1455% | 685 |
| Total domestic deposits to total assets | 88.1769% | 2,026 |
| Equity capital to assets | 11.3433% | 2,648 |
| Core capital (leverage) ratio | 11.4624% | 1,937 |
| Tier 1 risk-based capital ratio | 13.6796% | 4,397 |
| Total risk-based capital ratio | 14.9563% | 4,352 |
| Memoranda: | ||
| Average total assets | $400,940,670 | 1,638 |
| Average earning assets | $385,700,330 | 1,559 |
| Average equity | $46,690,670 | 1,448 |
| Average total loans | $320,941,330 | 1,346 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7911% | 4,096 |
| Cost of funding earning assets | 1.1449% | 3,192 |
| Net interest margin | 3.6462% | 4,344 |
| Noninterest income to average assets | 1.2695% | 789 |
| Noninterest expense to average assets | 2.1606% | 6,515 |
| Loan and lease loss provision to assets | 0.8383% | 986 |
| Net operating income to assets | 1.0763% | 1,923 |
| Return on assets (ROA) | 1.0763% | 1,972 |
| Pretax return on assets | 1.7872% | 836 |
| Return on Equity (ROE) | 9.1249% | 2,422 |
| Retained earnings to average equity (ytd only) | 8.0782% | 1,705 |
| Net charge-offs to loans | -0.0657% | 6,973 |
| Credit loss provision to net charge-offs | -1,588.6792% | 6,207 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1425% | 7,239 |
| Assets per employee ($millions) | 7.7499% | 526 |
| Cash dividends to net income (ytd only)* | 11.4709% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8220% | 1,090 |
| Loan loss allowance to noncurrent loans | 84.2988% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 2.6772% | 2,564 |
| Noncurrent loans to loans | 3.3476% | 2,239 |
| Net loans and leases to total assets | 77.7171% | 768 |
| Net loans and leases to deposits | 89.7873% | 1,260 |
| Net loans and leases to core deposits | 116.4544% | 514 |
| Total domestic deposits to total assets | 86.5569% | 3,203 |
| Equity capital to assets | 11.8808% | 1,992 |
| Core capital (leverage) ratio | 11.7741% | 1,692 |
| Tier 1 risk-based capital ratio | 14.2795% | 3,884 |
| Total risk-based capital ratio | 15.5489% | 3,830 |
| Memoranda: | ||
| Average total assets | $401,742,000 | 1,646 |
| Average earning assets | $387,467,500 | 1,563 |
| Average equity | $47,387,000 | 1,415 |
| Average total loans | $322,718,500 | 1,355 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8265% | 5,327 |
| Cost of funding earning assets | 1.2784% | 4,029 |
| Net interest margin | 3.5481% | 5,047 |
| Noninterest income to average assets | 0.6602% | 3,079 |
| Noninterest expense to average assets | 2.0428% | 6,958 |
| Loan and lease loss provision to assets | 2.1998% | 558 |
| Net operating income to assets | -0.4808% | 6,377 |
| Return on assets (ROA) | -0.4808% | 6,406 |
| Pretax return on assets | -0.1773% | 6,068 |
| Return on Equity (ROE) | -3.6996% | 6,339 |
| Retained earnings to average equity (ytd only) | -4.2735% | 6,227 |
| Net charge-offs to loans | 2.1235% | 924 |
| Credit loss provision to net charge-offs | 132.8329% | 2,954 |
| Earnings coverage of net charge-offs (x) | 1.2213% | 4,881 |
| Efficiency ratio | 50.2493% | 7,104 |
| Assets per employee ($millions) | 7.8527% | 507 |
| Cash dividends to net income (ytd only)* | -15.5143% | 7,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5376% | 1,370 |
| Loan loss allowance to noncurrent loans | 148.9826% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.3743% | 4,285 |
| Noncurrent loans to loans | 1.7033% | 3,950 |
| Net loans and leases to total assets | 78.6403% | 858 |
| Net loans and leases to deposits | 94.1903% | 1,045 |
| Net loans and leases to core deposits | 127.2700% | 367 |
| Total domestic deposits to total assets | 83.4909% | 4,612 |
| Equity capital to assets | 11.7095% | 2,118 |
| Core capital (leverage) ratio | 12.1217% | 1,472 |
| Tier 1 risk-based capital ratio | 13.9974% | 3,876 |
| Total risk-based capital ratio | 15.2632% | 3,829 |
| Memoranda: | ||
| Average total assets | $370,028,400 | 1,780 |
| Average earning assets | $355,124,000 | 1,691 |
| Average equity | $48,086,800 | 1,393 |
| Average total loans | $288,575,200 | 1,551 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8026% | 5,648 |
| Cost of funding earning assets | 1.3205% | 4,111 |
| Net interest margin | 3.4821% | 5,368 |
| Noninterest income to average assets | 0.5684% | 3,664 |
| Noninterest expense to average assets | 2.0562% | 6,944 |
| Loan and lease loss provision to assets | 2.3291% | 475 |
| Net operating income to assets | -0.2601% | 6,389 |
| Return on assets (ROA) | -0.2601% | 6,439 |
| Pretax return on assets | -0.4816% | 6,535 |
| Return on Equity (ROE) | -1.9482% | 6,395 |
| Retained earnings to average equity (ytd only) | -2.3698% | 6,262 |
| Net charge-offs to loans | 2.2124% | 810 |
| Credit loss provision to net charge-offs | 136.2971% | 2,940 |
| Earnings coverage of net charge-offs (x) | 1.0812% | 4,971 |
| Efficiency ratio | 52.6718% | 6,916 |
| Assets per employee ($millions) | 7.2219% | 700 |
| Cash dividends to net income (ytd only)* | -21.6403% | 7,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7167% | 1,066 |
| Loan loss allowance to noncurrent loans | 132.0698% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.5576% | 4,109 |
| Noncurrent loans to loans | 2.0570% | 3,611 |
| Net loans and leases to total assets | 73.6652% | 1,873 |
| Net loans and leases to deposits | 87.9433% | 2,015 |
| Net loans and leases to core deposits | 124.3053% | 491 |
| Total domestic deposits to total assets | 83.7644% | 4,246 |
| Equity capital to assets | 12.5864% | 1,820 |
| Core capital (leverage) ratio | 12.3136% | 1,499 |
| Tier 1 risk-based capital ratio | 15.2345% | 3,135 |
| Total risk-based capital ratio | 16.5030% | 3,093 |
| Memoranda: | ||
| Average total assets | $362,413,500 | 1,828 |
| Average earning assets | $347,136,750 | 1,749 |
| Average equity | $48,384,750 | 1,392 |
| Average total loans | $279,932,750 | 1,618 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7541% | 5,957 |
| Cost of funding earning assets | 1.3691% | 4,065 |
| Net interest margin | 3.3849% | 5,696 |
| Noninterest income to average assets | 0.5860% | 3,439 |
| Noninterest expense to average assets | 1.9852% | 7,138 |
| Loan and lease loss provision to assets | 2.6550% | 408 |
| Net operating income to assets | -0.4842% | 6,638 |
| Return on assets (ROA) | -0.4842% | 6,675 |
| Pretax return on assets | -0.8160% | 6,791 |
| Return on Equity (ROE) | -3.5539% | 6,572 |
| Retained earnings to average equity (ytd only) | -3.6818% | 6,400 |
| Net charge-offs to loans | 2.9078% | 559 |
| Credit loss provision to net charge-offs | 117.3794% | 3,463 |
| Earnings coverage of net charge-offs (x) | 0.8130% | 4,957 |
| Efficiency ratio | 51.9118% | 7,078 |
| Assets per employee ($millions) | 7.6528% | 578 |
| Cash dividends to net income (ytd only)* | -3.6005% | 7,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4260% | 1,402 |
| Loan loss allowance to noncurrent loans | 92.8543% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 2.0192% | 3,478 |
| Noncurrent loans to loans | 2.6127% | 3,028 |
| Net loans and leases to total assets | 75.4070% | 1,609 |
| Net loans and leases to deposits | 90.4231% | 1,784 |
| Net loans and leases to core deposits | 139.6646% | 292 |
| Total domestic deposits to total assets | 83.3935% | 4,393 |
| Equity capital to assets | 13.0928% | 1,533 |
| Core capital (leverage) ratio | 12.6736% | 1,337 |
| Tier 1 risk-based capital ratio | 15.4651% | 2,912 |
| Total risk-based capital ratio | 16.7289% | 2,875 |
| Memoranda: | ||
| Average total assets | $355,630,330 | 1,883 |
| Average earning assets | $340,214,330 | 1,799 |
| Average equity | $48,454,330 | 1,384 |
| Average total loans | $276,631,330 | 1,654 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7657% | 6,016 |
| Cost of funding earning assets | 1.3961% | 4,207 |
| Net interest margin | 3.3696% | 5,706 |
| Noninterest income to average assets | 0.3259% | 5,539 |
| Noninterest expense to average assets | 2.0207% | 7,124 |
| Loan and lease loss provision to assets | 2.1842% | 492 |
| Net operating income to assets | -0.3877% | 6,749 |
| Return on assets (ROA) | -0.3877% | 6,790 |
| Pretax return on assets | -0.6553% | 6,874 |
| Return on Equity (ROE) | -2.7881% | 6,721 |
| Retained earnings to average equity (ytd only) | -2.9115% | 6,347 |
| Net charge-offs to loans | 2.8732% | 546 |
| Credit loss provision to net charge-offs | 97.3993% | 3,499 |
| Earnings coverage of net charge-offs (x) | 0.6818% | 4,419 |
| Efficiency ratio | 56.9265% | 6,636 |
| Assets per employee ($millions) | 8.0750% | 505 |
| Cash dividends to net income (ytd only)* | -4.4248% | 7,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2348% | 1,684 |
| Loan loss allowance to noncurrent loans | 74.6594% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.2621% | 3,196 |
| Noncurrent loans to loans | 2.9933% | 2,682 |
| Net loans and leases to total assets | 73.8839% | 1,998 |
| Net loans and leases to deposits | 89.9353% | 1,913 |
| Net loans and leases to core deposits | 121.6647% | 720 |
| Total domestic deposits to total assets | 82.1523% | 5,008 |
| Equity capital to assets | 13.3496% | 1,381 |
| Core capital (leverage) ratio | 13.8248% | 1,000 |
| Tier 1 risk-based capital ratio | 16.2927% | 2,530 |
| Total risk-based capital ratio | 17.5547% | 2,491 |
| Memoranda: | ||
| Average total assets | $349,779,500 | 1,959 |
| Average earning assets | $334,639,000 | 1,871 |
| Average equity | $48,634,500 | 1,380 |
| Average total loans | $273,006,500 | 1,718 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 6,553 |
| Cost of funding earning assets | 1.9639% | 3,132 |
| Net interest margin | 2.9981% | 6,652 |
| Noninterest income to average assets | 0.4352% | 4,913 |
| Noninterest expense to average assets | 2.2766% | 6,807 |
| Loan and lease loss provision to assets | 1.3828% | 1,656 |
| Net operating income to assets | -0.2267% | 5,871 |
| Return on assets (ROA) | -0.1588% | 5,777 |
| Pretax return on assets | -0.2525% | 5,772 |
| Return on Equity (ROE) | -1.0865% | 5,701 |
| Retained earnings to average equity (ytd only) | -1.1416% | 5,297 |
| Net charge-offs to loans | 1.1341% | 2,158 |
| Credit loss provision to net charge-offs | 152.3874% | 3,016 |
| Earnings coverage of net charge-offs (x) | 1.1286% | 4,988 |
| Efficiency ratio | 68.9733% | 4,830 |
| Assets per employee ($millions) | 7.8183% | 556 |
| Cash dividends to net income (ytd only)* | -5.0682% | 7,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2800% | 1,517 |
| Loan loss allowance to noncurrent loans | 2,589.1213% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 7,318 |
| Noncurrent loans to loans | 0.0881% | 7,190 |
| Net loans and leases to total assets | 78.8890% | 1,206 |
| Net loans and leases to deposits | 96.2427% | 1,305 |
| Net loans and leases to core deposits | 136.8545% | 921 |
| Total domestic deposits to total assets | 81.9689% | 4,960 |
| Equity capital to assets | 14.5039% | 1,022 |
| Core capital (leverage) ratio | 14.5432% | 871 |
| Tier 1 risk-based capital ratio | 16.4956% | 2,319 |
| Total risk-based capital ratio | 17.7584% | 2,263 |
| Memoranda: | ||
| Average total assets | $323,106,800 | 2,101 |
| Average earning assets | $308,832,000 | 2,015 |
| Average equity | $47,216,200 | 1,424 |
| Average total loans | $258,534,600 | 1,844 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 6,724 |
| Cost of funding earning assets | 2.0895% | 2,935 |
| Net interest margin | 2.8743% | 6,912 |
| Noninterest income to average assets | 0.4694% | 4,755 |
| Noninterest expense to average assets | 2.3228% | 6,641 |
| Loan and lease loss provision to assets | 1.3957% | 1,378 |
| Net operating income to assets | -0.3166% | 6,226 |
| Return on assets (ROA) | -0.2251% | 6,114 |
| Pretax return on assets | -0.3581% | 6,151 |
| Return on Equity (ROE) | -1.5374% | 6,025 |
| Retained earnings to average equity (ytd only) | -1.6115% | 5,636 |
| Net charge-offs to loans | 1.2476% | 1,637 |
| Credit loss provision to net charge-offs | 140.1423% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.8983% | 5,159 |
| Efficiency ratio | 72.1949% | 4,213 |
| Assets per employee ($millions) | 7.5165% | 632 |
| Cash dividends to net income (ytd only)* | -4.8154% | 7,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1573% | 1,495 |
| Loan loss allowance to noncurrent loans | 256.0931% | 1,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6625% | 5,817 |
| Noncurrent loans to loans | 0.8424% | 5,610 |
| Net loans and leases to total assets | 76.9475% | 1,796 |
| Net loans and leases to deposits | 94.1474% | 1,858 |
| Net loans and leases to core deposits | 142.4867% | 819 |
| Total domestic deposits to total assets | 81.7309% | 4,795 |
| Equity capital to assets | 14.7354% | 1,083 |
| Core capital (leverage) ratio | 14.5267% | 952 |
| Tier 1 risk-based capital ratio | 17.4646% | 2,129 |
| Total risk-based capital ratio | 18.7252% | 2,082 |
| Memoranda: | ||
| Average total assets | $319,837,250 | 2,125 |
| Average earning assets | $305,779,500 | 2,057 |
| Average equity | $46,830,250 | 1,461 |
| Average total loans | $255,318,000 | 1,885 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9307% | 6,964 |
| Cost of funding earning assets | 2.1585% | 2,995 |
| Net interest margin | 2.7722% | 7,067 |
| Noninterest income to average assets | 0.3909% | 5,372 |
| Noninterest expense to average assets | 2.3073% | 6,739 |
| Loan and lease loss provision to assets | 1.7849% | 928 |
| Net operating income to assets | -0.6349% | 6,692 |
| Return on assets (ROA) | -0.5357% | 6,593 |
| Pretax return on assets | -0.8981% | 6,747 |
| Return on Equity (ROE) | -3.6670% | 6,442 |
| Retained earnings to average equity (ytd only) | -4.2298% | 6,175 |
| Net charge-offs to loans | 1.2186% | 1,504 |
| Credit loss provision to net charge-offs | 182.5356% | 2,517 |
| Earnings coverage of net charge-offs (x) | 0.7484% | 4,980 |
| Efficiency ratio | 75.9209% | 3,707 |
| Assets per employee ($millions) | 8.0596% | 488 |
| Cash dividends to net income (ytd only)* | -15.3483% | 7,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2991% | 1,101 |
| Loan loss allowance to noncurrent loans | 109.2719% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.6026% | 3,811 |
| Noncurrent loans to loans | 2.1040% | 3,374 |
| Net loans and leases to total assets | 74.4194% | 2,590 |
| Net loans and leases to deposits | 90.3636% | 2,776 |
| Net loans and leases to core deposits | 143.0240% | 886 |
| Total domestic deposits to total assets | 82.3555% | 4,541 |
| Equity capital to assets | 14.2342% | 1,239 |
| Core capital (leverage) ratio | 14.7186% | 970 |
| Tier 1 risk-based capital ratio | 17.2240% | 2,227 |
| Total risk-based capital ratio | 18.4860% | 2,162 |
| Memoranda: | ||
| Average total assets | $316,207,000 | 2,166 |
| Average earning assets | $302,068,330 | 2,100 |
| Average equity | $46,195,670 | 1,489 |
| Average total loans | $253,724,670 | 1,927 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 6,797 |
| Cost of funding earning assets | 2.2135% | 3,103 |
| Net interest margin | 2.8363% | 6,908 |
| Noninterest income to average assets | 0.4143% | 5,101 |
| Noninterest expense to average assets | 2.3536% | 6,359 |
| Loan and lease loss provision to assets | 1.6967% | 734 |
| Net operating income to assets | -0.5402% | 6,913 |
| Return on assets (ROA) | -0.5402% | 6,962 |
| Pretax return on assets | -0.9310% | 7,115 |
| Return on Equity (ROE) | -3.6459% | 6,855 |
| Retained earnings to average equity (ytd only) | -3.8759% | 6,411 |
| Net charge-offs to loans | 0.1526% | 3,735 |
| Credit loss provision to net charge-offs | 1,347.9167% | 469 |
| Earnings coverage of net charge-offs (x) | 6.0833% | 2,547 |
| Efficiency ratio | 75.4519% | 3,574 |
| Assets per employee ($millions) | 7.2992% | 678 |
| Cash dividends to net income (ytd only)* | -6.3107% | 8,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2876% | 961 |
| Loan loss allowance to noncurrent loans | 109.4891% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.7023% | 3,365 |
| Noncurrent loans to loans | 2.0893% | 3,134 |
| Net loans and leases to total assets | 79.6123% | 1,456 |
| Net loans and leases to deposits | 100.3329% | 1,368 |
| Net loans and leases to core deposits | 166.9223% | 394 |
| Total domestic deposits to total assets | 79.3482% | 5,590 |
| Equity capital to assets | 15.5621% | 956 |
| Core capital (leverage) ratio | 16.0528% | 776 |
| Tier 1 risk-based capital ratio | 17.5767% | 2,167 |
| Total risk-based capital ratio | 18.8386% | 2,101 |
| Memoranda: | ||
| Average total assets | $305,059,500 | 2,237 |
| Average earning assets | $290,947,000 | 2,177 |
| Average equity | $45,202,000 | 1,524 |
| Average total loans | $251,667,500 | 1,954 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3014% | 3,956 |
| Cost of funding earning assets | 2.8579% | 2,450 |
| Net interest margin | 3.4435% | 5,493 |
| Noninterest income to average assets | 0.5592% | 4,168 |
| Noninterest expense to average assets | 2.5002% | 6,006 |
| Loan and lease loss provision to assets | 1.2003% | 1,197 |
| Net operating income to assets | 0.0738% | 6,171 |
| Return on assets (ROA) | 0.0738% | 6,021 |
| Pretax return on assets | 0.1383% | 5,860 |
| Return on Equity (ROE) | 0.5013% | 6,076 |
| Retained earnings to average equity (ytd only) | 0.5013% | 4,936 |
| Net charge-offs to loans | 0.4310% | 2,668 |
| Credit loss provision to net charge-offs | 342.2649% | 1,324 |
| Earnings coverage of net charge-offs (x) | 3.8170% | 4,218 |
| Efficiency ratio | 65.1302% | 5,293 |
| Assets per employee ($millions) | 6.7330% | 795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 1,465 |
| Loan loss allowance to noncurrent loans | 225.5453% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6964% | 5,131 |
| Noncurrent loans to loans | 0.8332% | 4,969 |
| Net loans and leases to total assets | 82.0096% | 1,228 |
| Net loans and leases to deposits | 101.8752% | 1,599 |
| Net loans and leases to core deposits | 162.8184% | 522 |
| Total domestic deposits to total assets | 80.5001% | 4,840 |
| Equity capital to assets | 14.0285% | 1,413 |
| Core capital (leverage) ratio | 13.9697% | 1,264 |
| Tier 1 risk-based capital ratio | 15.7867% | 2,747 |
| Total risk-based capital ratio | 17.0444% | 2,687 |
| Memoranda: | ||
| Average total assets | $282,018,800 | 2,305 |
| Average earning assets | $268,590,200 | 2,238 |
| Average equity | $41,495,000 | 1,611 |
| Average total loans | $229,459,200 | 2,051 |