Home > Cornerstone Bank > Performance and Condition Ratios
Cornerstone Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 3,566 |
| Cost of funding earning assets | 1.6753% | 1,506 |
| Net interest margin | 2.5587% | 4,024 |
| Noninterest income to average assets | 0.6500% | 1,355 |
| Noninterest expense to average assets | 2.7296% | 1,667 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.2659% | 4,073 |
| Return on assets (ROA) | 0.2659% | 4,080 |
| Pretax return on assets | 0.3190% | 4,072 |
| Return on Equity (ROE) | 3.4600% | 3,960 |
| Retained earnings to average equity (ytd only) | 3.4633% | 3,137 |
| Net charge-offs to loans | 0.0093% | 2,305 |
| Credit loss provision to net charge-offs | -286.5546% | 4,518 |
| Earnings coverage of net charge-offs (x) | 38.5462% | 1,466 |
| Efficiency ratio | 89.4396% | 429 |
| Assets per employee ($millions) | 8.4853% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 3,743 |
| Loan loss allowance to noncurrent loans | 433.0603% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1684% | 2,418 |
| Noncurrent loans to loans | 0.2056% | 2,486 |
| Net loans and leases to total assets | 81.1500% | 517 |
| Net loans and leases to deposits | 99.2520% | 576 |
| Net loans and leases to core deposits | 118.6379% | 670 |
| Total domestic deposits to total assets | 81.7600% | 3,167 |
| Equity capital to assets | 7.7348% | 3,584 |
| Core capital (leverage) ratio | 8.6132% | 4,030 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6602% | 2,354 |
| Memoranda: | ||
| Average total assets | $1,544,677,800 | 702 |
| Average earning assets | $1,432,778,800 | 689 |
| Average equity | $118,586,800 | 833 |
| Average total loans | $1,279,857,800 | 592 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,580 |
| Cost of funding earning assets | 1.5297% | 1,533 |
| Net interest margin | 2.6100% | 4,017 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 2.7757% | 1,485 |
| Loan and lease loss provision to assets | -0.0400% | 4,449 |
| Net operating income to assets | 0.2778% | 4,141 |
| Return on assets (ROA) | 0.2778% | 4,145 |
| Pretax return on assets | 0.3264% | 4,138 |
| Return on Equity (ROE) | 3.6300% | 4,026 |
| Retained earnings to average equity (ytd only) | 3.6255% | 3,349 |
| Net charge-offs to loans | 0.0091% | 2,067 |
| Credit loss provision to net charge-offs | -490.8046% | 4,576 |
| Earnings coverage of net charge-offs (x) | 38.1954% | 1,474 |
| Efficiency ratio | 89.5931% | 390 |
| Assets per employee ($millions) | 8.8359% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8942% | 3,751 |
| Loan loss allowance to noncurrent loans | 176.4437% | 2,649 |
| Noncurrent assets plus other real estate owned to assets | 0.4196% | 1,383 |
| Noncurrent loans to loans | 0.5068% | 1,548 |
| Net loans and leases to total assets | 82.0600% | 430 |
| Net loans and leases to deposits | 102.1074% | 429 |
| Net loans and leases to core deposits | 121.0552% | 529 |
| Total domestic deposits to total assets | 80.3700% | 3,478 |
| Equity capital to assets | 7.4759% | 3,367 |
| Core capital (leverage) ratio | 8.0227% | 4,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4543% | 2,466 |
| Memoranda: | ||
| Average total assets | $1,532,037,250 | 710 |
| Average earning assets | $1,422,018,000 | 695 |
| Average equity | $117,386,500 | 836 |
| Average total loans | $1,273,295,750 | 595 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0566% | 3,575 |
| Cost of funding earning assets | 1.3609% | 1,552 |
| Net interest margin | 2.6956% | 3,977 |
| Noninterest income to average assets | 0.6400% | 1,305 |
| Noninterest expense to average assets | 2.7838% | 1,452 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 0.3063% | 4,145 |
| Return on assets (ROA) | 0.3063% | 4,172 |
| Pretax return on assets | 0.3507% | 4,179 |
| Return on Equity (ROE) | 3.9600% | 4,032 |
| Retained earnings to average equity (ytd only) | 3.9645% | 3,214 |
| Net charge-offs to loans | 0.0114% | 1,770 |
| Credit loss provision to net charge-offs | 72.2222% | 1,584 |
| Earnings coverage of net charge-offs (x) | 37.7778% | 1,430 |
| Efficiency ratio | 87.4079% | 450 |
| Assets per employee ($millions) | 8.2541% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9634% | 3,557 |
| Loan loss allowance to noncurrent loans | 184.1609% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 0.4332% | 1,231 |
| Noncurrent loans to loans | 0.5231% | 1,416 |
| Net loans and leases to total assets | 82.0000% | 430 |
| Net loans and leases to deposits | 102.0751% | 430 |
| Net loans and leases to core deposits | 118.8662% | 541 |
| Total domestic deposits to total assets | 80.3400% | 3,527 |
| Equity capital to assets | 7.7611% | 3,365 |
| Core capital (leverage) ratio | 8.0453% | 4,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7324% | 2,390 |
| Memoranda: | ||
| Average total assets | $1,521,399,333 | 701 |
| Average earning assets | $1,414,204,667 | 688 |
| Average equity | $117,542,333 | 830 |
| Average total loans | $1,266,074,333 | 587 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9714% | 3,501 |
| Cost of funding earning assets | 1.1569% | 1,568 |
| Net interest margin | 2.8145% | 3,929 |
| Noninterest income to average assets | 0.5800% | 1,496 |
| Noninterest expense to average assets | 2.7151% | 1,632 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 0.3951% | 4,095 |
| Return on assets (ROA) | 0.3951% | 4,045 |
| Pretax return on assets | 0.4817% | 4,018 |
| Return on Equity (ROE) | 5.1300% | 3,873 |
| Retained earnings to average equity (ytd only) | 5.1264% | 2,999 |
| Net charge-offs to loans | 0.0108% | 1,534 |
| Credit loss provision to net charge-offs | 82.3529% | 1,200 |
| Earnings coverage of net charge-offs (x) | 54.3235% | 1,071 |
| Efficiency ratio | 83.5358% | 613 |
| Assets per employee ($millions) | 8.7675% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 3,617 |
| Loan loss allowance to noncurrent loans | 159.5109% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5095% | 1,017 |
| Noncurrent loans to loans | 0.6119% | 1,222 |
| Net loans and leases to total assets | 82.4600% | 327 |
| Net loans and leases to deposits | 100.7126% | 417 |
| Net loans and leases to core deposits | 117.7437% | 494 |
| Total domestic deposits to total assets | 81.8800% | 3,501 |
| Equity capital to assets | 7.7669% | 3,400 |
| Core capital (leverage) ratio | 8.0884% | 4,390 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9978% | 2,389 |
| Memoranda: | ||
| Average total assets | $1,510,343,000 | 717 |
| Average earning assets | $1,406,550,000 | 703 |
| Average equity | $116,416,500 | 846 |
| Average total loans | $1,260,082,000 | 595 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 2,989 |
| Cost of funding earning assets | 0.3907% | 2,171 |
| Net interest margin | 3.1428% | 3,050 |
| Noninterest income to average assets | 0.6700% | 1,396 |
| Noninterest expense to average assets | 2.8613% | 1,192 |
| Loan and lease loss provision to assets | 0.0600% | 1,752 |
| Net operating income to assets | 0.5235% | 4,050 |
| Return on assets (ROA) | 0.5235% | 4,004 |
| Pretax return on assets | 0.6765% | 3,900 |
| Return on Equity (ROE) | 6.5400% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.5379% | 2,435 |
| Net charge-offs to loans | 0.0106% | 1,976 |
| Credit loss provision to net charge-offs | 730.7087% | 529 |
| Earnings coverage of net charge-offs (x) | 84.8976% | 1,061 |
| Efficiency ratio | 78.3446% | 832 |
| Assets per employee ($millions) | 8.5938% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9810% | 3,466 |
| Loan loss allowance to noncurrent loans | 155.3931% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 954 |
| Noncurrent loans to loans | 0.6313% | 1,172 |
| Net loans and leases to total assets | 82.7700% | 346 |
| Net loans and leases to deposits | 99.4893% | 459 |
| Net loans and leases to core deposits | 114.4793% | 475 |
| Total domestic deposits to total assets | 83.2000% | 3,376 |
| Equity capital to assets | 7.6485% | 3,288 |
| Core capital (leverage) ratio | 8.1247% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8869% | 2,421 |
| Memoranda: | ||
| Average total assets | $1,456,521,600 | 721 |
| Average earning assets | $1,358,352,400 | 706 |
| Average equity | $116,627,200 | 835 |
| Average total loans | $1,196,916,400 | 583 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4110% | 2,884 |
| Cost of funding earning assets | 0.2864% | 2,317 |
| Net interest margin | 3.1246% | 2,850 |
| Noninterest income to average assets | 0.6800% | 1,395 |
| Noninterest expense to average assets | 2.8594% | 1,125 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.5170% | 4,038 |
| Return on assets (ROA) | 0.5170% | 3,983 |
| Pretax return on assets | 0.6586% | 3,886 |
| Return on Equity (ROE) | 6.3800% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.3824% | 2,603 |
| Net charge-offs to loans | 0.0063% | 1,922 |
| Credit loss provision to net charge-offs | 1,421.4286% | 315 |
| Earnings coverage of net charge-offs (x) | 141.6429% | 770 |
| Efficiency ratio | 78.5013% | 873 |
| Assets per employee ($millions) | 8.4711% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,480 |
| Loan loss allowance to noncurrent loans | 155.6049% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 0.5444% | 988 |
| Noncurrent loans to loans | 0.6431% | 1,265 |
| Net loans and leases to total assets | 83.8000% | 262 |
| Net loans and leases to deposits | 100.3929% | 350 |
| Net loans and leases to core deposits | 109.6634% | 482 |
| Total domestic deposits to total assets | 83.4700% | 3,610 |
| Equity capital to assets | 7.7686% | 3,039 |
| Core capital (leverage) ratio | 8.3881% | 4,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9678% | 2,489 |
| Memoranda: | ||
| Average total assets | $1,444,673,500 | 729 |
| Average earning assets | $1,347,934,750 | 720 |
| Average equity | $117,027,250 | 846 |
| Average total loans | $1,181,864,000 | 585 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3207% | 2,673 |
| Cost of funding earning assets | 0.2785% | 1,921 |
| Net interest margin | 3.0423% | 2,751 |
| Noninterest income to average assets | 0.6863% | 1,402 |
| Noninterest expense to average assets | 2.7864% | 1,199 |
| Loan and lease loss provision to assets | 0.0743% | 1,298 |
| Net operating income to assets | 0.5387% | 3,799 |
| Return on assets (ROA) | 0.5387% | 3,752 |
| Pretax return on assets | 0.6672% | 3,662 |
| Return on Equity (ROE) | 6.5606% | 3,433 |
| Retained earnings to average equity (ytd only) | 6.5606% | 2,154 |
| Net charge-offs to loans | 0.0065% | 1,765 |
| Credit loss provision to net charge-offs | 1,410.5263% | 322 |
| Earnings coverage of net charge-offs (x) | 140.8158% | 676 |
| Efficiency ratio | 77.8476% | 1,092 |
| Assets per employee ($millions) | 8.0250% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0156% | 3,533 |
| Loan loss allowance to noncurrent loans | 156.7018% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 1,049 |
| Noncurrent loans to loans | 0.6481% | 1,320 |
| Net loans and leases to total assets | 83.0167% | 237 |
| Net loans and leases to deposits | 97.2426% | 377 |
| Net loans and leases to core deposits | 104.3682% | 495 |
| Total domestic deposits to total assets | 85.3707% | 3,399 |
| Equity capital to assets | 8.2368% | 2,954 |
| Core capital (leverage) ratio | 8.2014% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1963% | 2,413 |
| Memoranda: | ||
| Average total assets | $1,443,378,667 | 723 |
| Average earning assets | $1,348,129,667 | 715 |
| Average equity | $118,525,667 | 850 |
| Average total loans | $1,167,098,000 | 580 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2137% | 2,645 |
| Cost of funding earning assets | 0.2871% | 1,764 |
| Net interest margin | 2.9266% | 2,744 |
| Noninterest income to average assets | 0.5774% | 1,791 |
| Noninterest expense to average assets | 2.8282% | 1,104 |
| Loan and lease loss provision to assets | 0.0603% | 1,326 |
| Net operating income to assets | 0.3145% | 4,113 |
| Return on assets (ROA) | 0.3145% | 4,081 |
| Pretax return on assets | 0.4280% | 3,988 |
| Return on Equity (ROE) | 3.8355% | 3,922 |
| Retained earnings to average equity (ytd only) | 3.8355% | 2,996 |
| Net charge-offs to loans | 0.0083% | 1,446 |
| Credit loss provision to net charge-offs | 916.6667% | 358 |
| Earnings coverage of net charge-offs (x) | 74.2083% | 777 |
| Efficiency ratio | 84.0774% | 843 |
| Assets per employee ($millions) | 8.6897% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 3,676 |
| Loan loss allowance to noncurrent loans | 159.1396% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 1,194 |
| Noncurrent loans to loans | 0.6350% | 1,479 |
| Net loans and leases to total assets | 78.2233% | 364 |
| Net loans and leases to deposits | 92.1266% | 424 |
| Net loans and leases to core deposits | 99.8075% | 521 |
| Total domestic deposits to total assets | 84.9084% | 3,561 |
| Equity capital to assets | 8.0093% | 3,560 |
| Core capital (leverage) ratio | 7.9925% | 4,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1902% | 2,535 |
| Memoranda: | ||
| Average total assets | $1,458,870,500 | 716 |
| Average earning assets | $1,365,417,000 | 709 |
| Average equity | $119,620,500 | 863 |
| Average total loans | $1,158,370,000 | 582 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4939% | 2,680 |
| Cost of funding earning assets | 0.4554% | 1,158 |
| Net interest margin | 3.0385% | 3,080 |
| Noninterest income to average assets | 0.6635% | 1,891 |
| Noninterest expense to average assets | 2.6948% | 1,650 |
| Loan and lease loss provision to assets | 0.0684% | 1,705 |
| Net operating income to assets | 0.5739% | 3,932 |
| Return on assets (ROA) | 0.5698% | 3,983 |
| Pretax return on assets | 0.7473% | 3,842 |
| Return on Equity (ROE) | 6.7669% | 3,581 |
| Retained earnings to average equity (ytd only) | 6.7669% | 2,012 |
| Net charge-offs to loans | 0.0604% | 1,180 |
| Credit loss provision to net charge-offs | 135.9375% | 1,549 |
| Earnings coverage of net charge-offs (x) | 16.3182% | 1,980 |
| Efficiency ratio | 75.4741% | 1,160 |
| Assets per employee ($millions) | 8.5750% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9973% | 3,769 |
| Loan loss allowance to noncurrent loans | 153.3174% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.5190% | 1,291 |
| Noncurrent loans to loans | 0.6505% | 1,534 |
| Net loans and leases to total assets | 78.9913% | 320 |
| Net loans and leases to deposits | 93.8180% | 390 |
| Net loans and leases to core deposits | 99.2605% | 570 |
| Total domestic deposits to total assets | 84.1963% | 3,509 |
| Equity capital to assets | 8.3923% | 4,119 |
| Core capital (leverage) ratio | 8.1268% | 4,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3570% | 2,509 |
| Memoranda: | ||
| Average total assets | $1,399,346,200 | 717 |
| Average earning assets | $1,313,581,200 | 707 |
| Average equity | $117,823,600 | 886 |
| Average total loans | $1,165,289,200 | 570 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5149% | 2,785 |
| Cost of funding earning assets | 0.4919% | 1,086 |
| Net interest margin | 3.0230% | 3,252 |
| Noninterest income to average assets | 0.6783% | 1,896 |
| Noninterest expense to average assets | 2.6730% | 1,654 |
| Loan and lease loss provision to assets | 0.0800% | 1,484 |
| Net operating income to assets | 0.5856% | 4,028 |
| Return on assets (ROA) | 0.5802% | 4,088 |
| Pretax return on assets | 0.7541% | 3,969 |
| Return on Equity (ROE) | 6.8847% | 3,696 |
| Retained earnings to average equity (ytd only) | 6.8847% | 2,460 |
| Net charge-offs to loans | 0.0587% | 1,058 |
| Credit loss provision to net charge-offs | 161.8677% | 1,313 |
| Earnings coverage of net charge-offs (x) | 17.0195% | 1,824 |
| Efficiency ratio | 74.8796% | 1,141 |
| Assets per employee ($millions) | 8.4531% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 3,864 |
| Loan loss allowance to noncurrent loans | 165.9322% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 1,551 |
| Noncurrent loans to loans | 0.6003% | 1,806 |
| Net loans and leases to total assets | 81.1722% | 237 |
| Net loans and leases to deposits | 98.3163% | 267 |
| Net loans and leases to core deposits | 105.4765% | 419 |
| Total domestic deposits to total assets | 82.5623% | 3,809 |
| Equity capital to assets | 8.5625% | 4,170 |
| Core capital (leverage) ratio | 8.2674% | 4,239 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4636% | 2,560 |
| Memoranda: | ||
| Average total assets | $1,386,888,000 | 729 |
| Average earning assets | $1,300,939,250 | 720 |
| Average equity | $116,874,500 | 901 |
| Average total loans | $1,167,547,500 | 584 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5748% | 2,702 |
| Cost of funding earning assets | 0.5326% | 1,022 |
| Net interest margin | 3.0422% | 3,205 |
| Noninterest income to average assets | 0.6859% | 1,861 |
| Noninterest expense to average assets | 2.6903% | 1,614 |
| Loan and lease loss provision to assets | 0.0900% | 1,385 |
| Net operating income to assets | 0.5793% | 4,021 |
| Return on assets (ROA) | 0.5866% | 4,063 |
| Pretax return on assets | 0.7661% | 3,931 |
| Return on Equity (ROE) | 6.9991% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.9991% | 2,434 |
| Net charge-offs to loans | 0.0839% | 842 |
| Credit loss provision to net charge-offs | 126.3265% | 1,233 |
| Earnings coverage of net charge-offs (x) | 11.8898% | 1,741 |
| Efficiency ratio | 74.8695% | 1,172 |
| Assets per employee ($millions) | 8.3485% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 3,915 |
| Loan loss allowance to noncurrent loans | 166.9789% | 2,720 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 1,464 |
| Noncurrent loans to loans | 0.5824% | 1,944 |
| Net loans and leases to total assets | 83.3250% | 158 |
| Net loans and leases to deposits | 100.9472% | 232 |
| Net loans and leases to core deposits | 108.7981% | 392 |
| Total domestic deposits to total assets | 82.5432% | 3,805 |
| Equity capital to assets | 8.4179% | 4,264 |
| Core capital (leverage) ratio | 8.2096% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2625% | 2,626 |
| Memoranda: | ||
| Average total assets | $1,375,808,000 | 733 |
| Average earning assets | $1,289,540,000 | 727 |
| Average equity | $115,300,000 | 903 |
| Average total loans | $1,168,614,667 | 589 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6113% | 2,602 |
| Cost of funding earning assets | 0.5744% | 994 |
| Net interest margin | 3.0369% | 3,167 |
| Noninterest income to average assets | 0.7487% | 1,719 |
| Noninterest expense to average assets | 2.7622% | 1,460 |
| Loan and lease loss provision to assets | 0.0919% | 1,452 |
| Net operating income to assets | 0.5626% | 4,035 |
| Return on assets (ROA) | 0.5772% | 4,054 |
| Pretax return on assets | 0.7590% | 3,889 |
| Return on Equity (ROE) | 6.9030% | 3,630 |
| Retained earnings to average equity (ytd only) | 6.9030% | 2,605 |
| Net charge-offs to loans | 0.0058% | 1,692 |
| Credit loss provision to net charge-offs | 1,847.0588% | 257 |
| Earnings coverage of net charge-offs (x) | 167.2941% | 456 |
| Efficiency ratio | 75.6616% | 1,166 |
| Assets per employee ($millions) | 8.5672% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9927% | 3,869 |
| Loan loss allowance to noncurrent loans | 112.4223% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 1,245 |
| Noncurrent loans to loans | 0.8830% | 1,532 |
| Net loans and leases to total assets | 83.1787% | 177 |
| Net loans and leases to deposits | 101.0366% | 257 |
| Net loans and leases to core deposits | 109.3136% | 431 |
| Total domestic deposits to total assets | 82.3254% | 3,829 |
| Equity capital to assets | 8.2735% | 4,308 |
| Core capital (leverage) ratio | 8.3832% | 4,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4717% | 2,501 |
| Memoranda: | ||
| Average total assets | $1,366,610,000 | 735 |
| Average earning assets | $1,280,647,500 | 722 |
| Average equity | $114,268,500 | 900 |
| Average total loans | $1,166,357,500 | 585 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7842% | 3,347 |
| Cost of funding earning assets | 0.8088% | 1,168 |
| Net interest margin | 2.9754% | 3,950 |
| Noninterest income to average assets | 0.6632% | 1,976 |
| Noninterest expense to average assets | 3.2160% | 1,029 |
| Loan and lease loss provision to assets | 0.4015% | 782 |
| Net operating income to assets | -0.1129% | 4,793 |
| Return on assets (ROA) | -0.1051% | 4,810 |
| Pretax return on assets | -0.1668% | 4,816 |
| Return on Equity (ROE) | -1.1399% | 4,820 |
| Retained earnings to average equity (ytd only) | -1.1399% | 4,648 |
| Net charge-offs to loans | -0.0006% | 3,915 |
| Credit loss provision to net charge-offs | -72,742.8571% | 4,510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1393% | 311 |
| Assets per employee ($millions) | 8.3046% | 937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9666% | 3,986 |
| Loan loss allowance to noncurrent loans | 260.4619% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.3219% | 2,711 |
| Noncurrent loans to loans | 0.3711% | 2,871 |
| Net loans and leases to total assets | 85.8847% | 100 |
| Net loans and leases to deposits | 106.4567% | 220 |
| Net loans and leases to core deposits | 116.7030% | 357 |
| Total domestic deposits to total assets | 80.6757% | 3,928 |
| Equity capital to assets | 8.4522% | 4,481 |
| Core capital (leverage) ratio | 8.3855% | 4,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2759% | 2,524 |
| Memoranda: | ||
| Average total assets | $1,268,138,400 | 719 |
| Average earning assets | $1,183,862,600 | 710 |
| Average equity | $116,942,800 | 843 |
| Average total loans | $1,095,424,800 | 587 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7889% | 3,597 |
| Cost of funding earning assets | 0.8698% | 1,177 |
| Net interest margin | 2.9190% | 4,147 |
| Noninterest income to average assets | 0.6754% | 1,878 |
| Noninterest expense to average assets | 3.0373% | 1,358 |
| Loan and lease loss provision to assets | 0.4719% | 655 |
| Net operating income to assets | -0.0639% | 4,797 |
| Return on assets (ROA) | -0.0534% | 4,811 |
| Pretax return on assets | -0.0961% | 4,811 |
| Return on Equity (ROE) | -0.5662% | 4,819 |
| Retained earnings to average equity (ytd only) | -0.5662% | 4,559 |
| Net charge-offs to loans | -0.0027% | 3,928 |
| Credit loss provision to net charge-offs | -20,090.9091% | 4,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9758% | 418 |
| Assets per employee ($millions) | 7.9276% | 1,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9190% | 4,011 |
| Loan loss allowance to noncurrent loans | 423.6538% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.1894% | 3,483 |
| Noncurrent loans to loans | 0.2169% | 3,517 |
| Net loans and leases to total assets | 86.4949% | 133 |
| Net loans and leases to deposits | 107.1080% | 289 |
| Net loans and leases to core deposits | 119.5586% | 424 |
| Total domestic deposits to total assets | 80.7549% | 3,710 |
| Equity capital to assets | 8.7304% | 4,305 |
| Core capital (leverage) ratio | 8.6923% | 4,079 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5633% | 2,383 |
| Memoranda: | ||
| Average total assets | $1,248,838,250 | 713 |
| Average earning assets | $1,165,556,500 | 710 |
| Average equity | $117,750,750 | 832 |
| Average total loans | $1,077,601,500 | 585 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 3,717 |
| Cost of funding earning assets | 0.9424% | 1,180 |
| Net interest margin | 2.9180% | 4,279 |
| Noninterest income to average assets | 0.6995% | 1,737 |
| Noninterest expense to average assets | 2.9838% | 1,621 |
| Loan and lease loss provision to assets | 0.6552% | 442 |
| Net operating income to assets | -0.1412% | 4,844 |
| Return on assets (ROA) | -0.1250% | 4,842 |
| Pretax return on assets | -0.1981% | 4,848 |
| Return on Equity (ROE) | -1.2914% | 4,856 |
| Retained earnings to average equity (ytd only) | -1.2914% | 4,517 |
| Net charge-offs to loans | -0.0038% | 3,933 |
| Credit loss provision to net charge-offs | -20,045.0000% | 4,286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8528% | 542 |
| Assets per employee ($millions) | 7.6488% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9094% | 3,962 |
| Loan loss allowance to noncurrent loans | 428.3676% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 3,616 |
| Noncurrent loans to loans | 0.2123% | 3,621 |
| Net loans and leases to total assets | 85.0396% | 187 |
| Net loans and leases to deposits | 107.8461% | 272 |
| Net loans and leases to core deposits | 117.9838% | 476 |
| Total domestic deposits to total assets | 78.8527% | 4,060 |
| Equity capital to assets | 8.8141% | 4,250 |
| Core capital (leverage) ratio | 8.8892% | 4,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7311% | 2,297 |
| Memoranda: | ||
| Average total assets | $1,223,814,000 | 718 |
| Average earning assets | $1,141,182,667 | 711 |
| Average equity | $118,473,333 | 818 |
| Average total loans | $1,051,556,333 | 590 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0312% | 3,701 |
| Cost of funding earning assets | 1.0449% | 1,239 |
| Net interest margin | 2.9864% | 4,303 |
| Noninterest income to average assets | 0.8252% | 1,242 |
| Noninterest expense to average assets | 3.0880% | 1,672 |
| Loan and lease loss provision to assets | 0.1760% | 1,684 |
| Net operating income to assets | 0.2518% | 4,445 |
| Return on assets (ROA) | 0.2518% | 4,467 |
| Pretax return on assets | 0.3425% | 4,390 |
| Return on Equity (ROE) | 2.4786% | 4,343 |
| Retained earnings to average equity (ytd only) | 2.4786% | 3,273 |
| Net charge-offs to loans | 0.0008% | 2,573 |
| Credit loss provision to net charge-offs | 26,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 766.0000% | 78 |
| Efficiency ratio | 84.2609% | 810 |
| Assets per employee ($millions) | 7.0010% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 4,678 |
| Loan loss allowance to noncurrent loans | 257.3789% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.2173% | 3,602 |
| Noncurrent loans to loans | 0.2555% | 3,578 |
| Net loans and leases to total assets | 84.5106% | 233 |
| Net loans and leases to deposits | 108.5464% | 211 |
| Net loans and leases to core deposits | 123.4375% | 377 |
| Total domestic deposits to total assets | 77.8566% | 4,240 |
| Equity capital to assets | 10.0850% | 3,702 |
| Core capital (leverage) ratio | 9.8433% | 3,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0438% | 2,269 |
| Memoranda: | ||
| Average total assets | $1,181,749,500 | 705 |
| Average earning assets | $1,100,604,000 | 696 |
| Average equity | $120,068,500 | 799 |
| Average total loans | $1,016,095,500 | 589 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0948% | 4,054 |
| Cost of funding earning assets | 1.1044% | 1,308 |
| Net interest margin | 2.9904% | 4,527 |
| Noninterest income to average assets | 0.7126% | 1,768 |
| Noninterest expense to average assets | 2.8704% | 2,375 |
| Loan and lease loss provision to assets | 0.0249% | 3,520 |
| Net operating income to assets | 0.4816% | 4,444 |
| Return on assets (ROA) | 0.4816% | 4,494 |
| Pretax return on assets | 0.6036% | 4,406 |
| Return on Equity (ROE) | 4.7476% | 4,283 |
| Retained earnings to average equity (ytd only) | 4.7476% | 2,555 |
| Net charge-offs to loans | -0.0527% | 4,831 |
| Credit loss provision to net charge-offs | -54.5455% | 4,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6055% | 897 |
| Assets per employee ($millions) | 6.9013% | 1,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6095% | 4,723 |
| Loan loss allowance to noncurrent loans | 233.5223% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.2269% | 3,543 |
| Noncurrent loans to loans | 0.2610% | 3,511 |
| Net loans and leases to total assets | 86.3890% | 147 |
| Net loans and leases to deposits | 109.9823% | 190 |
| Net loans and leases to core deposits | 125.0632% | 364 |
| Total domestic deposits to total assets | 78.5481% | 4,270 |
| Equity capital to assets | 10.2374% | 3,688 |
| Core capital (leverage) ratio | 10.3869% | 3,080 |
| Tier 1 risk-based capital ratio | 13.3762% | 3,593 |
| Total risk-based capital ratio | 14.0695% | 3,775 |
| Memoranda: | ||
| Average total assets | $1,154,573,600 | 688 |
| Average earning assets | $1,075,774,200 | 676 |
| Average equity | $117,112,400 | 777 |
| Average total loans | $1,002,809,800 | 572 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 4,128 |
| Cost of funding earning assets | 1.1037% | 1,336 |
| Net interest margin | 3.0068% | 4,615 |
| Noninterest income to average assets | 0.7049% | 1,763 |
| Noninterest expense to average assets | 2.8519% | 2,403 |
| Loan and lease loss provision to assets | -0.0051% | 5,042 |
| Net operating income to assets | 0.5240% | 4,461 |
| Return on assets (ROA) | 0.5240% | 4,511 |
| Pretax return on assets | 0.6606% | 4,430 |
| Return on Equity (ROE) | 5.1781% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.1781% | 2,803 |
| Net charge-offs to loans | -0.0748% | 4,931 |
| Credit loss provision to net charge-offs | 7.8431% | 3,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8779% | 934 |
| Assets per employee ($millions) | 6.8445% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5900% | 4,843 |
| Loan loss allowance to noncurrent loans | 505.1546% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1012% | 4,209 |
| Noncurrent loans to loans | 0.1168% | 4,128 |
| Net loans and leases to total assets | 86.1659% | 183 |
| Net loans and leases to deposits | 111.3743% | 195 |
| Net loans and leases to core deposits | 124.7889% | 394 |
| Total domestic deposits to total assets | 77.3660% | 4,462 |
| Equity capital to assets | 10.3105% | 3,706 |
| Core capital (leverage) ratio | 10.4478% | 3,148 |
| Tier 1 risk-based capital ratio | 13.4648% | 3,592 |
| Total risk-based capital ratio | 14.1356% | 3,810 |
| Memoranda: | ||
| Average total assets | $1,151,637,000 | 690 |
| Average earning assets | $1,073,360,000 | 679 |
| Average equity | $116,540,250 | 781 |
| Average total loans | $1,000,074,500 | 576 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1195% | 4,113 |
| Cost of funding earning assets | 1.1006% | 1,303 |
| Net interest margin | 3.0189% | 4,652 |
| Noninterest income to average assets | 0.7016% | 1,705 |
| Noninterest expense to average assets | 2.8593% | 2,384 |
| Loan and lease loss provision to assets | -0.0698% | 5,195 |
| Net operating income to assets | 0.5896% | 4,335 |
| Return on assets (ROA) | 0.5896% | 4,374 |
| Pretax return on assets | 0.7273% | 4,266 |
| Return on Equity (ROE) | 5.8636% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.8636% | 2,347 |
| Net charge-offs to loans | -0.1173% | 5,034 |
| Credit loss provision to net charge-offs | 68.4838% | 2,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8776% | 979 |
| Assets per employee ($millions) | 6.7694% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5564% | 4,943 |
| Loan loss allowance to noncurrent loans | 418.7170% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 4,180 |
| Noncurrent loans to loans | 0.1329% | 4,078 |
| Net loans and leases to total assets | 86.6759% | 166 |
| Net loans and leases to deposits | 112.8663% | 168 |
| Net loans and leases to core deposits | 123.3898% | 442 |
| Total domestic deposits to total assets | 76.7952% | 4,584 |
| Equity capital to assets | 10.2461% | 3,750 |
| Core capital (leverage) ratio | 10.2521% | 3,333 |
| Tier 1 risk-based capital ratio | 13.4831% | 3,594 |
| Total risk-based capital ratio | 14.1237% | 3,809 |
| Memoranda: | ||
| Average total assets | $1,152,225,000 | 686 |
| Average earning assets | $1,074,494,670 | 677 |
| Average equity | $115,867,670 | 776 |
| Average total loans | $1,001,206,670 | 572 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0419% | 4,281 |
| Cost of funding earning assets | 1.0843% | 1,236 |
| Net interest margin | 2.9577% | 4,809 |
| Noninterest income to average assets | 0.6417% | 1,852 |
| Noninterest expense to average assets | 2.8328% | 2,465 |
| Loan and lease loss provision to assets | 0.1110% | 1,597 |
| Net operating income to assets | 0.3321% | 4,860 |
| Return on assets (ROA) | 0.3321% | 4,870 |
| Pretax return on assets | 0.4580% | 4,762 |
| Return on Equity (ROE) | 3.3336% | 4,714 |
| Retained earnings to average equity (ytd only) | 3.3336% | 3,585 |
| Net charge-offs to loans | 0.0726% | 1,337 |
| Credit loss provision to net charge-offs | 176.3736% | 1,128 |
| Earnings coverage of net charge-offs (x) | 9.0385% | 2,054 |
| Efficiency ratio | 81.7978% | 895 |
| Assets per employee ($millions) | 6.7117% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5468% | 5,024 |
| Loan loss allowance to noncurrent loans | 251.4625% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.1895% | 3,870 |
| Noncurrent loans to loans | 0.2174% | 3,812 |
| Net loans and leases to total assets | 86.6927% | 155 |
| Net loans and leases to deposits | 109.4528% | 230 |
| Net loans and leases to core deposits | 120.7073% | 508 |
| Total domestic deposits to total assets | 79.2055% | 4,316 |
| Equity capital to assets | 10.0426% | 3,784 |
| Core capital (leverage) ratio | 9.5645% | 4,061 |
| Tier 1 risk-based capital ratio | 13.2296% | 3,751 |
| Total risk-based capital ratio | 13.8671% | 3,966 |
| Memoranda: | ||
| Average total assets | $1,156,319,000 | 689 |
| Average earning assets | $1,079,084,500 | 673 |
| Average equity | $115,192,000 | 776 |
| Average total loans | $1,003,234,000 | 574 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9668% | 4,120 |
| Cost of funding earning assets | 0.8996% | 1,098 |
| Net interest margin | 3.0672% | 4,703 |
| Noninterest income to average assets | 0.6453% | 2,062 |
| Noninterest expense to average assets | 2.9730% | 2,124 |
| Loan and lease loss provision to assets | 0.1166% | 1,887 |
| Net operating income to assets | 0.3391% | 4,962 |
| Return on assets (ROA) | 0.3357% | 4,960 |
| Pretax return on assets | 0.4032% | 4,930 |
| Return on Equity (ROE) | 3.4314% | 4,833 |
| Retained earnings to average equity (ytd only) | 3.4314% | 3,704 |
| Net charge-offs to loans | 0.1159% | 1,593 |
| Credit loss provision to net charge-offs | 115.5788% | 2,245 |
| Earnings coverage of net charge-offs (x) | 5.1941% | 3,214 |
| Efficiency ratio | 83.5680% | 683 |
| Assets per employee ($millions) | 6.6564% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5363% | 5,081 |
| Loan loss allowance to noncurrent loans | 228.2553% | 2,024 |
| Noncurrent assets plus other real estate owned to assets | 0.2089% | 3,786 |
| Noncurrent loans to loans | 0.2350% | 3,741 |
| Net loans and leases to total assets | 85.8910% | 236 |
| Net loans and leases to deposits | 109.5002% | 265 |
| Net loans and leases to core deposits | 122.2231% | 494 |
| Total domestic deposits to total assets | 78.4391% | 4,414 |
| Equity capital to assets | 9.8816% | 3,779 |
| Core capital (leverage) ratio | 9.7296% | 3,877 |
| Tier 1 risk-based capital ratio | 13.2100% | 3,719 |
| Total risk-based capital ratio | 13.8402% | 3,960 |
| Memoranda: | ||
| Average total assets | $1,139,238,400 | 678 |
| Average earning assets | $1,059,113,000 | 663 |
| Average equity | $111,441,000 | 769 |
| Average total loans | $991,100,200 | 563 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9326% | 4,128 |
| Cost of funding earning assets | 0.8321% | 1,186 |
| Net interest margin | 3.1006% | 4,702 |
| Noninterest income to average assets | 0.6343% | 2,145 |
| Noninterest expense to average assets | 2.8678% | 2,409 |
| Loan and lease loss provision to assets | 0.1160% | 1,749 |
| Net operating income to assets | 0.4368% | 4,885 |
| Return on assets (ROA) | 0.4323% | 4,900 |
| Pretax return on assets | 0.5265% | 4,861 |
| Return on Equity (ROE) | 4.4303% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.4303% | 3,535 |
| Net charge-offs to loans | 0.1421% | 1,150 |
| Credit loss provision to net charge-offs | 93.6433% | 2,379 |
| Earnings coverage of net charge-offs (x) | 5.2315% | 2,975 |
| Efficiency ratio | 80.1177% | 931 |
| Assets per employee ($millions) | 6.5012% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5155% | 5,173 |
| Loan loss allowance to noncurrent loans | 184.5960% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,751 |
| Noncurrent loans to loans | 0.2793% | 3,686 |
| Net loans and leases to total assets | 85.8157% | 277 |
| Net loans and leases to deposits | 108.8539% | 325 |
| Net loans and leases to core deposits | 121.8131% | 521 |
| Total domestic deposits to total assets | 78.8357% | 4,350 |
| Equity capital to assets | 9.8851% | 3,752 |
| Core capital (leverage) ratio | 9.8615% | 3,786 |
| Tier 1 risk-based capital ratio | 13.4494% | 3,656 |
| Total risk-based capital ratio | 14.0631% | 3,912 |
| Memoranda: | ||
| Average total assets | $1,134,492,500 | 675 |
| Average earning assets | $1,054,363,500 | 664 |
| Average equity | $110,688,500 | 770 |
| Average total loans | $988,832,250 | 563 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9117% | 4,044 |
| Cost of funding earning assets | 0.7812% | 1,213 |
| Net interest margin | 3.1306% | 4,662 |
| Noninterest income to average assets | 0.6092% | 2,275 |
| Noninterest expense to average assets | 2.9114% | 2,323 |
| Loan and lease loss provision to assets | 0.1128% | 1,753 |
| Net operating income to assets | 0.4376% | 4,879 |
| Return on assets (ROA) | 0.4340% | 4,899 |
| Pretax return on assets | 0.4864% | 4,927 |
| Return on Equity (ROE) | 4.4680% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.4680% | 3,366 |
| Net charge-offs to loans | 0.2058% | 772 |
| Credit loss provision to net charge-offs | 62.6969% | 2,409 |
| Earnings coverage of net charge-offs (x) | 3.3524% | 2,883 |
| Efficiency ratio | 81.3779% | 886 |
| Assets per employee ($millions) | 6.0535% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4828% | 5,278 |
| Loan loss allowance to noncurrent loans | 150.4383% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.2822% | 3,643 |
| Noncurrent loans to loans | 0.3209% | 3,560 |
| Net loans and leases to total assets | 87.4976% | 170 |
| Net loans and leases to deposits | 110.0114% | 278 |
| Net loans and leases to core deposits | 123.4040% | 476 |
| Total domestic deposits to total assets | 79.5351% | 4,340 |
| Equity capital to assets | 9.9511% | 3,675 |
| Core capital (leverage) ratio | 9.8799% | 3,704 |
| Tier 1 risk-based capital ratio | 13.4650% | 3,636 |
| Total risk-based capital ratio | 14.0491% | 3,917 |
| Memoranda: | ||
| Average total assets | $1,129,085,000 | 676 |
| Average earning assets | $1,047,930,000 | 672 |
| Average equity | $109,668,330 | 774 |
| Average total loans | $987,572,670 | 565 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8179% | 4,167 |
| Cost of funding earning assets | 0.7257% | 1,316 |
| Net interest margin | 3.0922% | 4,716 |
| Noninterest income to average assets | 0.5928% | 2,301 |
| Noninterest expense to average assets | 2.9751% | 2,126 |
| Loan and lease loss provision to assets | 0.1050% | 1,769 |
| Net operating income to assets | 0.2707% | 5,134 |
| Return on assets (ROA) | 0.2707% | 5,136 |
| Pretax return on assets | 0.3831% | 5,056 |
| Return on Equity (ROE) | 2.8212% | 5,055 |
| Retained earnings to average equity (ytd only) | 2.8212% | 4,062 |
| Net charge-offs to loans | 0.0606% | 1,499 |
| Credit loss provision to net charge-offs | 198.6577% | 1,054 |
| Earnings coverage of net charge-offs (x) | 9.2349% | 1,976 |
| Efficiency ratio | 84.4208% | 768 |
| Assets per employee ($millions) | 6.0713% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5360% | 5,282 |
| Loan loss allowance to noncurrent loans | 137.1495% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 3,432 |
| Noncurrent loans to loans | 0.3908% | 3,387 |
| Net loans and leases to total assets | 87.1307% | 187 |
| Net loans and leases to deposits | 110.0584% | 256 |
| Net loans and leases to core deposits | 124.8006% | 449 |
| Total domestic deposits to total assets | 79.1677% | 4,553 |
| Equity capital to assets | 9.5466% | 4,050 |
| Core capital (leverage) ratio | 9.9040% | 3,638 |
| Tier 1 risk-based capital ratio | 13.2352% | 3,825 |
| Total risk-based capital ratio | 13.8829% | 4,059 |
| Memoranda: | ||
| Average total assets | $1,127,623,000 | 682 |
| Average earning assets | $1,046,765,500 | 673 |
| Average equity | $108,179,000 | 785 |
| Average total loans | $983,716,000 | 570 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 3,868 |
| Cost of funding earning assets | 0.7164% | 941 |
| Net interest margin | 3.1390% | 4,603 |
| Noninterest income to average assets | 0.6331% | 2,283 |
| Noninterest expense to average assets | 2.9141% | 2,403 |
| Loan and lease loss provision to assets | 0.1510% | 1,493 |
| Net operating income to assets | 0.2406% | 5,031 |
| Return on assets (ROA) | 0.2709% | 4,998 |
| Pretax return on assets | 0.5086% | 4,917 |
| Return on Equity (ROE) | 2.8849% | 4,862 |
| Retained earnings to average equity (ytd only) | 2.8849% | 3,583 |
| Net charge-offs to loans | 0.0407% | 2,972 |
| Credit loss provision to net charge-offs | 426.9521% | 726 |
| Earnings coverage of net charge-offs (x) | 17.3098% | 2,138 |
| Efficiency ratio | 81.1668% | 992 |
| Assets per employee ($millions) | 5.8943% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5328% | 5,351 |
| Loan loss allowance to noncurrent loans | 107.5965% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 3,104 |
| Noncurrent loans to loans | 0.4952% | 3,041 |
| Net loans and leases to total assets | 86.4080% | 231 |
| Net loans and leases to deposits | 110.5292% | 254 |
| Net loans and leases to core deposits | 119.2671% | 611 |
| Total domestic deposits to total assets | 78.1766% | 4,691 |
| Equity capital to assets | 9.6411% | 4,098 |
| Core capital (leverage) ratio | 9.8634% | 3,619 |
| Tier 1 risk-based capital ratio | 13.6796% | 3,530 |
| Total risk-based capital ratio | 14.3322% | 3,768 |
| Memoranda: | ||
| Average total assets | $1,122,380,000 | 656 |
| Average earning assets | $1,034,506,800 | 656 |
| Average equity | $105,375,400 | 779 |
| Average total loans | $975,808,400 | 557 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8663% | 3,776 |
| Cost of funding earning assets | 0.7137% | 906 |
| Net interest margin | 3.1526% | 4,575 |
| Noninterest income to average assets | 0.5895% | 2,539 |
| Noninterest expense to average assets | 2.9470% | 2,259 |
| Loan and lease loss provision to assets | 0.1093% | 1,947 |
| Net operating income to assets | 0.3155% | 5,191 |
| Return on assets (ROA) | 0.3613% | 5,098 |
| Pretax return on assets | 0.4991% | 5,032 |
| Return on Equity (ROE) | 3.8741% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.8741% | 3,614 |
| Net charge-offs to loans | 0.0429% | 2,581 |
| Credit loss provision to net charge-offs | 293.3121% | 1,012 |
| Earnings coverage of net charge-offs (x) | 14.6145% | 2,284 |
| Efficiency ratio | 82.9078% | 846 |
| Assets per employee ($millions) | 5.9703% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4602% | 5,509 |
| Loan loss allowance to noncurrent loans | 97.6739% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4210% | 3,337 |
| Noncurrent loans to loans | 0.4711% | 3,281 |
| Net loans and leases to total assets | 87.0530% | 202 |
| Net loans and leases to deposits | 111.1555% | 247 |
| Net loans and leases to core deposits | 119.5735% | 605 |
| Total domestic deposits to total assets | 78.3164% | 4,667 |
| Equity capital to assets | 9.5550% | 4,390 |
| Core capital (leverage) ratio | 9.6193% | 4,019 |
| Tier 1 risk-based capital ratio | 13.3110% | 3,817 |
| Total risk-based capital ratio | 13.8981% | 4,130 |
| Memoranda: | ||
| Average total assets | $1,122,995,000 | 662 |
| Average earning assets | $1,033,871,500 | 659 |
| Average equity | $104,726,000 | 782 |
| Average total loans | $976,539,500 | 558 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 3,717 |
| Cost of funding earning assets | 0.7035% | 879 |
| Net interest margin | 3.1466% | 4,555 |
| Noninterest income to average assets | 0.5823% | 2,546 |
| Noninterest expense to average assets | 3.0523% | 1,967 |
| Loan and lease loss provision to assets | 0.0894% | 2,196 |
| Net operating income to assets | 0.2236% | 5,361 |
| Return on assets (ROA) | 0.2734% | 5,297 |
| Pretax return on assets | 0.4086% | 5,166 |
| Return on Equity (ROE) | 2.9555% | 5,133 |
| Retained earnings to average equity (ytd only) | 2.9555% | 3,955 |
| Net charge-offs to loans | 0.0469% | 2,278 |
| Credit loss provision to net charge-offs | 219.6507% | 1,183 |
| Earnings coverage of net charge-offs (x) | 10.4105% | 2,345 |
| Efficiency ratio | 86.3571% | 667 |
| Assets per employee ($millions) | 6.0611% | 1,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4253% | 5,591 |
| Loan loss allowance to noncurrent loans | 98.3684% | 3,599 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 3,535 |
| Noncurrent loans to loans | 0.4324% | 3,464 |
| Net loans and leases to total assets | 85.9275% | 278 |
| Net loans and leases to deposits | 110.3461% | 255 |
| Net loans and leases to core deposits | 118.8709% | 603 |
| Total domestic deposits to total assets | 77.8709% | 4,835 |
| Equity capital to assets | 9.2908% | 4,628 |
| Core capital (leverage) ratio | 9.3432% | 4,307 |
| Tier 1 risk-based capital ratio | 13.0964% | 3,945 |
| Total risk-based capital ratio | 13.6401% | 4,246 |
| Memoranda: | ||
| Average total assets | $1,125,178,330 | 664 |
| Average earning assets | $1,034,755,330 | 660 |
| Average equity | $104,076,000 | 788 |
| Average total loans | $976,588,670 | 557 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 3,358 |
| Cost of funding earning assets | 0.6252% | 1,214 |
| Net interest margin | 3.2882% | 4,051 |
| Noninterest income to average assets | 0.2888% | 4,488 |
| Noninterest expense to average assets | 2.5792% | 3,561 |
| Loan and lease loss provision to assets | 0.0077% | 3,456 |
| Net operating income to assets | 0.4911% | 4,636 |
| Return on assets (ROA) | 0.6149% | 4,145 |
| Pretax return on assets | 0.9354% | 3,643 |
| Return on Equity (ROE) | 5.9511% | 3,941 |
| Retained earnings to average equity (ytd only) | 5.9511% | 2,371 |
| Net charge-offs to loans | -0.0266% | 4,871 |
| Credit loss provision to net charge-offs | -33.3333% | 3,835 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3446% | 1,714 |
| Assets per employee ($millions) | 7.1056% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7244% | 5,254 |
| Loan loss allowance to noncurrent loans | 188.1984% | 2,379 |
| Noncurrent assets plus other real estate owned to assets | 0.3327% | 3,868 |
| Noncurrent loans to loans | 0.3849% | 3,724 |
| Net loans and leases to total assets | 85.8133% | 238 |
| Net loans and leases to deposits | 109.0966% | 236 |
| Net loans and leases to core deposits | 118.6769% | 497 |
| Total domestic deposits to total assets | 78.6581% | 4,889 |
| Equity capital to assets | 10.2939% | 3,415 |
| Core capital (leverage) ratio | 10.6584% | 2,727 |
| Tier 1 risk-based capital ratio | 15.0324% | 2,951 |
| Total risk-based capital ratio | 15.9900% | 3,020 |
| Memoranda: | ||
| Average total assets | $569,179,000 | 1,266 |
| Average earning assets | $527,226,000 | 1,257 |
| Average equity | $58,812,500 | 1,339 |
| Average total loans | $495,758,500 | 1,028 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9267% | 3,472 |
| Cost of funding earning assets | 0.5966% | 1,361 |
| Net interest margin | 3.3302% | 4,054 |
| Noninterest income to average assets | 0.3297% | 4,373 |
| Noninterest expense to average assets | 2.6050% | 3,664 |
| Loan and lease loss provision to assets | 0.0769% | 2,820 |
| Net operating income to assets | 0.4789% | 4,716 |
| Return on assets (ROA) | 0.5032% | 4,692 |
| Pretax return on assets | 0.7763% | 4,252 |
| Return on Equity (ROE) | 4.7559% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.7559% | 2,504 |
| Net charge-offs to loans | 0.0137% | 3,825 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 70.6984% | 783 |
| Efficiency ratio | 76.1499% | 1,961 |
| Assets per employee ($millions) | 6.6212% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7206% | 5,322 |
| Loan loss allowance to noncurrent loans | 144.7743% | 2,878 |
| Noncurrent assets plus other real estate owned to assets | 0.4369% | 3,517 |
| Noncurrent loans to loans | 0.4978% | 3,377 |
| Net loans and leases to total assets | 87.1442% | 171 |
| Net loans and leases to deposits | 116.0808% | 131 |
| Net loans and leases to core deposits | 126.9656% | 329 |
| Total domestic deposits to total assets | 75.0720% | 5,347 |
| Equity capital to assets | 10.3727% | 3,303 |
| Core capital (leverage) ratio | 10.6351% | 2,737 |
| Tier 1 risk-based capital ratio | 14.5535% | 3,175 |
| Total risk-based capital ratio | 15.4846% | 3,257 |
| Memoranda: | ||
| Average total assets | $545,911,600 | 1,269 |
| Average earning assets | $506,731,200 | 1,263 |
| Average equity | $57,759,400 | 1,329 |
| Average total loans | $458,332,400 | 1,063 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9096% | 3,549 |
| Cost of funding earning assets | 0.5890% | 1,420 |
| Net interest margin | 3.3207% | 4,127 |
| Noninterest income to average assets | 0.3239% | 4,458 |
| Noninterest expense to average assets | 2.5109% | 3,953 |
| Loan and lease loss provision to assets | 0.1034% | 2,198 |
| Net operating income to assets | 0.5171% | 4,635 |
| Return on assets (ROA) | 0.5393% | 4,645 |
| Pretax return on assets | 0.8248% | 4,230 |
| Return on Equity (ROE) | 5.0712% | 4,487 |
| Retained earnings to average equity (ytd only) | 5.0712% | 2,778 |
| Net charge-offs to loans | 0.0160% | 3,407 |
| Credit loss provision to net charge-offs | 777.7778% | 517 |
| Earnings coverage of net charge-offs (x) | 67.2576% | 883 |
| Efficiency ratio | 73.7439% | 2,334 |
| Assets per employee ($millions) | 6.7166% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7276% | 5,370 |
| Loan loss allowance to noncurrent loans | 111.9824% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.5651% | 3,212 |
| Noncurrent loans to loans | 0.6498% | 3,072 |
| Net loans and leases to total assets | 86.3284% | 231 |
| Net loans and leases to deposits | 111.5843% | 231 |
| Net loans and leases to core deposits | 121.2985% | 471 |
| Total domestic deposits to total assets | 77.3661% | 5,020 |
| Equity capital to assets | 10.3017% | 3,800 |
| Core capital (leverage) ratio | 10.5361% | 2,955 |
| Tier 1 risk-based capital ratio | 14.6746% | 3,201 |
| Total risk-based capital ratio | 15.6178% | 3,284 |
| Memoranda: | ||
| Average total assets | $541,688,000 | 1,279 |
| Average earning assets | $502,577,250 | 1,276 |
| Average equity | $57,604,750 | 1,341 |
| Average total loans | $449,412,250 | 1,085 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9044% | 3,593 |
| Cost of funding earning assets | 0.5867% | 1,423 |
| Net interest margin | 3.3176% | 4,168 |
| Noninterest income to average assets | 0.3239% | 4,467 |
| Noninterest expense to average assets | 2.5834% | 3,782 |
| Loan and lease loss provision to assets | 0.1217% | 1,881 |
| Net operating income to assets | 0.4564% | 4,846 |
| Return on assets (ROA) | 0.4897% | 4,819 |
| Pretax return on assets | 0.7503% | 4,453 |
| Return on Equity (ROE) | 4.5549% | 4,694 |
| Retained earnings to average equity (ytd only) | 4.5549% | 3,013 |
| Net charge-offs to loans | 0.0308% | 2,854 |
| Credit loss provision to net charge-offs | 485.0746% | 673 |
| Earnings coverage of net charge-offs (x) | 32.7164% | 1,329 |
| Efficiency ratio | 75.8909% | 2,098 |
| Assets per employee ($millions) | 6.2162% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 5,411 |
| Loan loss allowance to noncurrent loans | 82.2914% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 0.7520% | 2,723 |
| Noncurrent loans to loans | 0.9089% | 2,468 |
| Net loans and leases to total assets | 82.1147% | 615 |
| Net loans and leases to deposits | 107.4073% | 319 |
| Net loans and leases to core deposits | 117.4701% | 591 |
| Total domestic deposits to total assets | 76.4517% | 5,227 |
| Equity capital to assets | 10.2623% | 3,909 |
| Core capital (leverage) ratio | 10.6220% | 2,828 |
| Tier 1 risk-based capital ratio | 14.4953% | 3,322 |
| Total risk-based capital ratio | 15.4034% | 3,437 |
| Memoranda: | ||
| Average total assets | $534,185,000 | 1,302 |
| Average earning assets | $495,954,670 | 1,292 |
| Average equity | $57,432,330 | 1,349 |
| Average total loans | $435,672,330 | 1,124 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8970% | 3,601 |
| Cost of funding earning assets | 0.5854% | 1,444 |
| Net interest margin | 3.3116% | 4,184 |
| Noninterest income to average assets | 0.3275% | 4,389 |
| Noninterest expense to average assets | 2.7250% | 3,328 |
| Loan and lease loss provision to assets | 0.0499% | 2,926 |
| Net operating income to assets | 0.4157% | 4,948 |
| Return on assets (ROA) | 0.4157% | 5,023 |
| Pretax return on assets | 0.6243% | 4,748 |
| Return on Equity (ROE) | 3.7742% | 4,969 |
| Retained earnings to average equity (ytd only) | 3.7742% | 3,609 |
| Net charge-offs to loans | 0.0351% | 2,271 |
| Credit loss provision to net charge-offs | 175.6757% | 1,168 |
| Earnings coverage of net charge-offs (x) | 23.7568% | 1,353 |
| Efficiency ratio | 80.1670% | 1,588 |
| Assets per employee ($millions) | 5.9022% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 5,473 |
| Loan loss allowance to noncurrent loans | 99.1107% | 3,654 |
| Noncurrent assets plus other real estate owned to assets | 0.6139% | 3,227 |
| Noncurrent loans to loans | 0.7631% | 2,924 |
| Net loans and leases to total assets | 79.8396% | 839 |
| Net loans and leases to deposits | 99.2428% | 670 |
| Net loans and leases to core deposits | 110.2169% | 845 |
| Total domestic deposits to total assets | 80.4488% | 4,650 |
| Equity capital to assets | 10.8720% | 3,082 |
| Core capital (leverage) ratio | 11.0164% | 2,394 |
| Tier 1 risk-based capital ratio | 15.0908% | 3,114 |
| Total risk-based capital ratio | 15.9857% | 3,210 |
| Memoranda: | ||
| Average total assets | $521,550,500 | 1,330 |
| Average earning assets | $483,761,000 | 1,316 |
| Average equity | $57,442,000 | 1,352 |
| Average total loans | $422,080,500 | 1,153 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9445% | 3,545 |
| Cost of funding earning assets | 0.5641% | 1,641 |
| Net interest margin | 3.3804% | 3,983 |
| Noninterest income to average assets | 0.3794% | 4,187 |
| Noninterest expense to average assets | 2.7916% | 3,263 |
| Loan and lease loss provision to assets | 0.0615% | 3,071 |
| Net operating income to assets | 0.4245% | 4,972 |
| Return on assets (ROA) | 0.4614% | 4,919 |
| Pretax return on assets | 0.6944% | 4,543 |
| Return on Equity (ROE) | 3.9439% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.9439% | 3,231 |
| Net charge-offs to loans | 0.0189% | 3,897 |
| Credit loss provision to net charge-offs | 404.1096% | 755 |
| Earnings coverage of net charge-offs (x) | 45.9726% | 1,062 |
| Efficiency ratio | 79.9522% | 1,685 |
| Assets per employee ($millions) | 5.8170% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 5,487 |
| Loan loss allowance to noncurrent loans | 119.4258% | 3,278 |
| Noncurrent assets plus other real estate owned to assets | 0.5239% | 3,542 |
| Noncurrent loans to loans | 0.6434% | 3,253 |
| Net loans and leases to total assets | 80.8004% | 741 |
| Net loans and leases to deposits | 96.7536% | 931 |
| Net loans and leases to core deposits | 107.3571% | 1,015 |
| Total domestic deposits to total assets | 83.5114% | 3,666 |
| Equity capital to assets | 11.1608% | 2,667 |
| Core capital (leverage) ratio | 11.4159% | 2,028 |
| Tier 1 risk-based capital ratio | 15.7896% | 2,786 |
| Total risk-based capital ratio | 16.7096% | 2,890 |
| Memoranda: | ||
| Average total assets | $479,431,200 | 1,411 |
| Average earning assets | $441,403,800 | 1,407 |
| Average equity | $56,086,000 | 1,332 |
| Average total loans | $386,949,800 | 1,195 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9543% | 3,528 |
| Cost of funding earning assets | 0.5596% | 1,717 |
| Net interest margin | 3.3946% | 3,982 |
| Noninterest income to average assets | 0.3779% | 4,227 |
| Noninterest expense to average assets | 2.7947% | 3,206 |
| Loan and lease loss provision to assets | 0.0750% | 2,680 |
| Net operating income to assets | 0.4173% | 5,098 |
| Return on assets (ROA) | 0.4622% | 5,023 |
| Pretax return on assets | 0.6951% | 4,696 |
| Return on Equity (ROE) | 3.9026% | 5,063 |
| Retained earnings to average equity (ytd only) | 3.9026% | 3,691 |
| Net charge-offs to loans | 0.0274% | 3,397 |
| Credit loss provision to net charge-offs | 339.7436% | 862 |
| Earnings coverage of net charge-offs (x) | 31.8582% | 1,441 |
| Efficiency ratio | 79.9013% | 1,671 |
| Assets per employee ($millions) | 5.2833% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7937% | 5,531 |
| Loan loss allowance to noncurrent loans | 367.5174% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 5,005 |
| Noncurrent loans to loans | 0.2160% | 4,790 |
| Net loans and leases to total assets | 81.4634% | 646 |
| Net loans and leases to deposits | 99.6800% | 681 |
| Net loans and leases to core deposits | 111.7735% | 776 |
| Total domestic deposits to total assets | 81.7249% | 4,248 |
| Equity capital to assets | 11.5974% | 2,422 |
| Core capital (leverage) ratio | 11.7167% | 1,874 |
| Tier 1 risk-based capital ratio | 16.1970% | 2,716 |
| Total risk-based capital ratio | 17.1119% | 2,803 |
| Memoranda: | ||
| Average total assets | $471,314,000 | 1,440 |
| Average earning assets | $433,142,750 | 1,444 |
| Average equity | $55,824,500 | 1,347 |
| Average total loans | $379,482,250 | 1,215 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9449% | 3,515 |
| Cost of funding earning assets | 0.5545% | 1,782 |
| Net interest margin | 3.3903% | 3,937 |
| Noninterest income to average assets | 0.3842% | 4,200 |
| Noninterest expense to average assets | 2.8422% | 3,094 |
| Loan and lease loss provision to assets | 0.0750% | 2,612 |
| Net operating income to assets | 0.3874% | 5,175 |
| Return on assets (ROA) | 0.4365% | 5,114 |
| Pretax return on assets | 0.6522% | 4,815 |
| Return on Equity (ROE) | 3.6591% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.6591% | 3,696 |
| Net charge-offs to loans | 0.0408% | 2,871 |
| Credit loss provision to net charge-offs | 230.2632% | 1,109 |
| Earnings coverage of net charge-offs (x) | 20.0658% | 1,726 |
| Efficiency ratio | 81.2952% | 1,584 |
| Assets per employee ($millions) | 4.9382% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8129% | 5,570 |
| Loan loss allowance to noncurrent loans | 216.2921% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 4,579 |
| Noncurrent loans to loans | 0.3758% | 4,359 |
| Net loans and leases to total assets | 80.1083% | 787 |
| Net loans and leases to deposits | 97.8634% | 807 |
| Net loans and leases to core deposits | 110.3642% | 820 |
| Total domestic deposits to total assets | 81.8573% | 4,345 |
| Equity capital to assets | 11.9593% | 2,061 |
| Core capital (leverage) ratio | 11.8739% | 1,732 |
| Tier 1 risk-based capital ratio | 17.6475% | 2,173 |
| Total risk-based capital ratio | 18.6588% | 2,207 |
| Memoranda: | ||
| Average total assets | $466,399,000 | 1,456 |
| Average earning assets | $428,099,670 | 1,468 |
| Average equity | $55,642,670 | 1,360 |
| Average total loans | $372,933,670 | 1,238 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8827% | 3,690 |
| Cost of funding earning assets | 0.5465% | 1,878 |
| Net interest margin | 3.3362% | 4,076 |
| Noninterest income to average assets | 0.3974% | 4,024 |
| Noninterest expense to average assets | 2.9254% | 2,816 |
| Loan and lease loss provision to assets | 0.0774% | 2,406 |
| Net operating income to assets | 0.3109% | 5,373 |
| Return on assets (ROA) | 0.3793% | 5,265 |
| Pretax return on assets | 0.5565% | 5,034 |
| Return on Equity (ROE) | 3.1834% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.1834% | 4,075 |
| Net charge-offs to loans | 0.0184% | 2,792 |
| Credit loss provision to net charge-offs | 529.4118% | 518 |
| Earnings coverage of net charge-offs (x) | 36.4706% | 1,035 |
| Efficiency ratio | 84.5810% | 1,308 |
| Assets per employee ($millions) | 5.1056% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 5,674 |
| Loan loss allowance to noncurrent loans | 188.4022% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.3664% | 4,544 |
| Noncurrent loans to loans | 0.4306% | 4,304 |
| Net loans and leases to total assets | 79.4964% | 741 |
| Net loans and leases to deposits | 98.7348% | 635 |
| Net loans and leases to core deposits | 111.1271% | 699 |
| Total domestic deposits to total assets | 80.5151% | 4,928 |
| Equity capital to assets | 11.8368% | 2,162 |
| Core capital (leverage) ratio | 11.8014% | 1,776 |
| Tier 1 risk-based capital ratio | 17.6179% | 2,266 |
| Total risk-based capital ratio | 18.6455% | 2,295 |
| Memoranda: | ||
| Average total assets | $465,035,500 | 1,466 |
| Average earning assets | $426,708,000 | 1,480 |
| Average equity | $55,412,000 | 1,373 |
| Average total loans | $369,956,000 | 1,241 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0399% | 3,559 |
| Cost of funding earning assets | 0.5705% | 2,041 |
| Net interest margin | 3.4694% | 3,901 |
| Noninterest income to average assets | 0.4609% | 3,776 |
| Noninterest expense to average assets | 2.9367% | 3,035 |
| Loan and lease loss provision to assets | 0.0688% | 3,107 |
| Net operating income to assets | 0.4358% | 5,089 |
| Return on assets (ROA) | 0.4726% | 5,011 |
| Pretax return on assets | 0.6977% | 4,637 |
| Return on Equity (ROE) | 3.8004% | 5,197 |
| Retained earnings to average equity (ytd only) | 3.8004% | 3,506 |
| Net charge-offs to loans | 0.0850% | 3,281 |
| Credit loss provision to net charge-offs | 101.6949% | 2,352 |
| Earnings coverage of net charge-offs (x) | 10.5254% | 2,604 |
| Efficiency ratio | 80.4778% | 1,848 |
| Assets per employee ($millions) | 5.1726% | 2,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8202% | 5,726 |
| Loan loss allowance to noncurrent loans | 150.6316% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.5139% | 4,088 |
| Noncurrent loans to loans | 0.5445% | 4,028 |
| Net loans and leases to total assets | 78.3025% | 960 |
| Net loans and leases to deposits | 98.2553% | 740 |
| Net loans and leases to core deposits | 110.5308% | 752 |
| Total domestic deposits to total assets | 79.6930% | 5,095 |
| Equity capital to assets | 11.9961% | 2,019 |
| Core capital (leverage) ratio | 11.9965% | 1,615 |
| Tier 1 risk-based capital ratio | 17.7621% | 2,215 |
| Total risk-based capital ratio | 18.7923% | 2,266 |
| Memoranda: | ||
| Average total assets | $435,862,000 | 1,527 |
| Average earning assets | $400,532,000 | 1,526 |
| Average equity | $54,204,200 | 1,344 |
| Average total loans | $347,079,000 | 1,270 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,577 |
| Cost of funding earning assets | 0.5765% | 2,049 |
| Net interest margin | 3.4689% | 3,946 |
| Noninterest income to average assets | 0.4725% | 3,729 |
| Noninterest expense to average assets | 2.9167% | 3,064 |
| Loan and lease loss provision to assets | 0.0667% | 3,015 |
| Net operating income to assets | 0.4587% | 5,039 |
| Return on assets (ROA) | 0.5039% | 4,921 |
| Pretax return on assets | 0.7459% | 4,538 |
| Return on Equity (ROE) | 4.0136% | 5,162 |
| Retained earnings to average equity (ytd only) | 4.0136% | 3,791 |
| Net charge-offs to loans | 0.0859% | 2,977 |
| Credit loss provision to net charge-offs | 97.2851% | 2,298 |
| Earnings coverage of net charge-offs (x) | 10.8823% | 2,495 |
| Efficiency ratio | 79.6290% | 1,972 |
| Assets per employee ($millions) | 5.1492% | 2,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8300% | 5,795 |
| Loan loss allowance to noncurrent loans | 119.9031% | 3,226 |
| Noncurrent assets plus other real estate owned to assets | 0.6332% | 3,930 |
| Noncurrent loans to loans | 0.6922% | 3,880 |
| Net loans and leases to total assets | 77.4345% | 1,034 |
| Net loans and leases to deposits | 100.8778% | 566 |
| Net loans and leases to core deposits | 111.2536% | 697 |
| Total domestic deposits to total assets | 76.7606% | 5,712 |
| Equity capital to assets | 11.9350% | 2,116 |
| Core capital (leverage) ratio | 12.2472% | 1,549 |
| Tier 1 risk-based capital ratio | 17.8993% | 2,240 |
| Total risk-based capital ratio | 18.9279% | 2,285 |
| Memoranda: | ||
| Average total assets | $429,738,000 | 1,557 |
| Average earning assets | $395,232,500 | 1,554 |
| Average equity | $53,949,000 | 1,362 |
| Average total loans | $342,985,500 | 1,285 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 3,444 |
| Cost of funding earning assets | 0.5946% | 1,942 |
| Net interest margin | 3.4805% | 3,857 |
| Noninterest income to average assets | 0.4640% | 3,758 |
| Noninterest expense to average assets | 2.9708% | 2,938 |
| Loan and lease loss provision to assets | 0.0643% | 2,986 |
| Net operating income to assets | 0.4250% | 5,118 |
| Return on assets (ROA) | 0.4569% | 5,061 |
| Pretax return on assets | 0.6777% | 4,717 |
| Return on Equity (ROE) | 3.5754% | 5,310 |
| Retained earnings to average equity (ytd only) | 3.5754% | 3,915 |
| Net charge-offs to loans | 0.1284% | 2,383 |
| Credit loss provision to net charge-offs | 62.2120% | 2,608 |
| Earnings coverage of net charge-offs (x) | 6.7235% | 2,732 |
| Efficiency ratio | 81.0544% | 1,870 |
| Assets per employee ($millions) | 4.9708% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 5,905 |
| Loan loss allowance to noncurrent loans | 186.9509% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 4,568 |
| Noncurrent loans to loans | 0.4441% | 4,650 |
| Net loans and leases to total assets | 79.9284% | 696 |
| Net loans and leases to deposits | 106.0382% | 301 |
| Net loans and leases to core deposits | 118.1043% | 421 |
| Total domestic deposits to total assets | 75.3770% | 5,983 |
| Equity capital to assets | 12.5347% | 1,621 |
| Core capital (leverage) ratio | 12.4912% | 1,401 |
| Tier 1 risk-based capital ratio | 18.2862% | 2,137 |
| Total risk-based capital ratio | 19.3505% | 2,174 |
| Memoranda: | ||
| Average total assets | $420,223,000 | 1,587 |
| Average earning assets | $386,495,000 | 1,586 |
| Average equity | $53,700,000 | 1,352 |
| Average total loans | $338,034,330 | 1,296 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 3,450 |
| Cost of funding earning assets | 0.6018% | 1,957 |
| Net interest margin | 3.4531% | 3,887 |
| Noninterest income to average assets | 0.4588% | 3,722 |
| Noninterest expense to average assets | 2.9625% | 3,007 |
| Loan and lease loss provision to assets | 0.0580% | 2,956 |
| Net operating income to assets | 0.4148% | 5,067 |
| Return on assets (ROA) | 0.4608% | 4,964 |
| Pretax return on assets | 0.6820% | 4,551 |
| Return on Equity (ROE) | 3.5699% | 5,235 |
| Retained earnings to average equity (ytd only) | 3.5699% | 3,993 |
| Net charge-offs to loans | 0.1779% | 1,658 |
| Credit loss provision to net charge-offs | 40.5405% | 2,293 |
| Earnings coverage of net charge-offs (x) | 4.7027% | 2,490 |
| Efficiency ratio | 81.5041% | 1,990 |
| Assets per employee ($millions) | 4.7965% | 2,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8508% | 6,000 |
| Loan loss allowance to noncurrent loans | 192.2770% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.4802% | 4,697 |
| Noncurrent loans to loans | 0.4425% | 4,817 |
| Net loans and leases to total assets | 79.7405% | 579 |
| Net loans and leases to deposits | 103.4934% | 311 |
| Net loans and leases to core deposits | 111.3532% | 533 |
| Total domestic deposits to total assets | 77.0489% | 5,960 |
| Equity capital to assets | 12.7154% | 1,451 |
| Core capital (leverage) ratio | 12.8190% | 1,237 |
| Tier 1 risk-based capital ratio | 18.7460% | 2,046 |
| Total risk-based capital ratio | 19.8318% | 2,064 |
| Memoranda: | ||
| Average total assets | $414,106,000 | 1,621 |
| Average earning assets | $380,877,000 | 1,617 |
| Average equity | $53,446,500 | 1,359 |
| Average total loans | $332,776,500 | 1,321 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 3,059 |
| Cost of funding earning assets | 0.6051% | 2,616 |
| Net interest margin | 3.6671% | 3,184 |
| Noninterest income to average assets | 0.5593% | 3,336 |
| Noninterest expense to average assets | 3.2177% | 2,364 |
| Loan and lease loss provision to assets | 0.1419% | 2,536 |
| Net operating income to assets | 0.3973% | 5,153 |
| Return on assets (ROA) | 0.4200% | 5,188 |
| Pretax return on assets | 0.5839% | 4,917 |
| Return on Equity (ROE) | 3.1805% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.1805% | 3,973 |
| Net charge-offs to loans | 0.1868% | 2,971 |
| Credit loss provision to net charge-offs | 95.3608% | 2,624 |
| Earnings coverage of net charge-offs (x) | 4.6649% | 3,498 |
| Efficiency ratio | 82.2503% | 1,850 |
| Assets per employee ($millions) | 4.5632% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 5,885 |
| Loan loss allowance to noncurrent loans | 192.2481% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.5104% | 4,712 |
| Noncurrent loans to loans | 0.4747% | 4,804 |
| Net loans and leases to total assets | 79.5604% | 640 |
| Net loans and leases to deposits | 103.4875% | 340 |
| Net loans and leases to core deposits | 111.1955% | 568 |
| Total domestic deposits to total assets | 76.8792% | 5,989 |
| Equity capital to assets | 13.1051% | 1,225 |
| Core capital (leverage) ratio | 13.0959% | 1,108 |
| Tier 1 risk-based capital ratio | 19.5589% | 1,764 |
| Total risk-based capital ratio | 20.7424% | 1,751 |
| Memoranda: | ||
| Average total assets | $390,993,000 | 1,689 |
| Average earning assets | $357,472,800 | 1,681 |
| Average equity | $51,626,600 | 1,379 |
| Average total loans | $311,620,400 | 1,358 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3029% | 2,983 |
| Cost of funding earning assets | 0.6039% | 2,776 |
| Net interest margin | 3.6991% | 3,034 |
| Noninterest income to average assets | 0.5654% | 3,364 |
| Noninterest expense to average assets | 3.2429% | 2,223 |
| Loan and lease loss provision to assets | 0.1704% | 2,131 |
| Net operating income to assets | 0.3617% | 5,399 |
| Return on assets (ROA) | 0.3870% | 5,432 |
| Pretax return on assets | 0.5661% | 5,149 |
| Return on Equity (ROE) | 2.9254% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.9254% | 4,576 |
| Net charge-offs to loans | 0.2147% | 2,541 |
| Credit loss provision to net charge-offs | 99.7984% | 2,389 |
| Earnings coverage of net charge-offs (x) | 4.0947% | 3,538 |
| Efficiency ratio | 82.2605% | 1,797 |
| Assets per employee ($millions) | 4.3986% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 5,954 |
| Loan loss allowance to noncurrent loans | 157.0084% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.6156% | 4,591 |
| Noncurrent loans to loans | 0.5974% | 4,707 |
| Net loans and leases to total assets | 80.0833% | 538 |
| Net loans and leases to deposits | 104.1700% | 288 |
| Net loans and leases to core deposits | 111.5008% | 520 |
| Total domestic deposits to total assets | 76.8775% | 6,064 |
| Equity capital to assets | 13.2929% | 1,203 |
| Core capital (leverage) ratio | 13.3745% | 1,072 |
| Tier 1 risk-based capital ratio | 19.7233% | 1,808 |
| Total risk-based capital ratio | 20.9173% | 1,784 |
| Memoranda: | ||
| Average total assets | $387,210,250 | 1,710 |
| Average earning assets | $353,485,250 | 1,711 |
| Average equity | $51,227,500 | 1,396 |
| Average total loans | $308,003,000 | 1,375 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 2,820 |
| Cost of funding earning assets | 0.6086% | 2,865 |
| Net interest margin | 3.7249% | 2,868 |
| Noninterest income to average assets | 0.5808% | 3,312 |
| Noninterest expense to average assets | 3.2561% | 2,200 |
| Loan and lease loss provision to assets | 0.1873% | 2,018 |
| Net operating income to assets | 0.3618% | 5,354 |
| Return on assets (ROA) | 0.3799% | 5,461 |
| Pretax return on assets | 0.5589% | 5,168 |
| Return on Equity (ROE) | 2.8761% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.8761% | 4,482 |
| Net charge-offs to loans | 0.2276% | 2,370 |
| Credit loss provision to net charge-offs | 104.0462% | 2,123 |
| Earnings coverage of net charge-offs (x) | 3.9971% | 3,242 |
| Efficiency ratio | 81.8979% | 1,899 |
| Assets per employee ($millions) | 4.2333% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 5,910 |
| Loan loss allowance to noncurrent loans | 80.9498% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 1.0610% | 3,625 |
| Noncurrent loans to loans | 1.2044% | 3,545 |
| Net loans and leases to total assets | 78.6843% | 675 |
| Net loans and leases to deposits | 101.3266% | 363 |
| Net loans and leases to core deposits | 109.3443% | 587 |
| Total domestic deposits to total assets | 77.6542% | 6,040 |
| Equity capital to assets | 13.1292% | 1,296 |
| Core capital (leverage) ratio | 13.4269% | 1,009 |
| Tier 1 risk-based capital ratio | 19.3208% | 1,904 |
| Total risk-based capital ratio | 20.5045% | 1,895 |
| Memoranda: | ||
| Average total assets | $384,322,330 | 1,722 |
| Average earning assets | $350,294,000 | 1,725 |
| Average equity | $50,762,330 | 1,409 |
| Average total loans | $303,993,670 | 1,384 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 2,737 |
| Cost of funding earning assets | 0.6134% | 2,979 |
| Net interest margin | 3.7230% | 2,764 |
| Noninterest income to average assets | 0.6151% | 3,053 |
| Noninterest expense to average assets | 3.1581% | 2,491 |
| Loan and lease loss provision to assets | 0.1886% | 1,949 |
| Net operating income to assets | 0.4346% | 4,979 |
| Return on assets (ROA) | 0.4464% | 5,087 |
| Pretax return on assets | 0.6758% | 4,676 |
| Return on Equity (ROE) | 3.3691% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.3691% | 4,231 |
| Net charge-offs to loans | 0.1500% | 2,502 |
| Credit loss provision to net charge-offs | 159.2920% | 1,304 |
| Earnings coverage of net charge-offs (x) | 7.1504% | 2,109 |
| Efficiency ratio | 78.8592% | 2,483 |
| Assets per employee ($millions) | 4.0687% | 3,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0164% | 5,930 |
| Loan loss allowance to noncurrent loans | 61.5230% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4184% | 3,141 |
| Noncurrent loans to loans | 1.6520% | 3,064 |
| Net loans and leases to total assets | 78.1750% | 593 |
| Net loans and leases to deposits | 99.3903% | 377 |
| Net loans and leases to core deposits | 106.3030% | 627 |
| Total domestic deposits to total assets | 78.6546% | 6,025 |
| Equity capital to assets | 13.2916% | 1,299 |
| Core capital (leverage) ratio | 13.4823% | 952 |
| Tier 1 risk-based capital ratio | 19.3819% | 1,944 |
| Total risk-based capital ratio | 20.5978% | 1,920 |
| Memoranda: | ||
| Average total assets | $381,753,500 | 1,744 |
| Average earning assets | $347,564,500 | 1,748 |
| Average equity | $50,577,000 | 1,437 |
| Average total loans | $301,260,000 | 1,407 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5060% | 3,368 |
| Cost of funding earning assets | 0.6756% | 3,684 |
| Net interest margin | 3.8304% | 3,099 |
| Noninterest income to average assets | 0.7444% | 2,524 |
| Noninterest expense to average assets | 3.1706% | 2,711 |
| Loan and lease loss provision to assets | 0.3637% | 1,814 |
| Net operating income to assets | 0.4654% | 4,821 |
| Return on assets (ROA) | 0.4764% | 5,025 |
| Pretax return on assets | 0.7274% | 4,566 |
| Return on Equity (ROE) | 3.6076% | 5,304 |
| Retained earnings to average equity (ytd only) | 3.6076% | 3,670 |
| Net charge-offs to loans | 0.2568% | 3,401 |
| Credit loss provision to net charge-offs | 184.8118% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.4583% | 3,032 |
| Efficiency ratio | 74.6931% | 2,949 |
| Assets per employee ($millions) | 4.1418% | 3,667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 5,966 |
| Loan loss allowance to noncurrent loans | 55.6111% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6250% | 2,964 |
| Noncurrent loans to loans | 1.7972% | 2,921 |
| Net loans and leases to total assets | 78.0635% | 669 |
| Net loans and leases to deposits | 102.2361% | 321 |
| Net loans and leases to core deposits | 109.6979% | 549 |
| Total domestic deposits to total assets | 76.3561% | 6,310 |
| Equity capital to assets | 13.2055% | 1,351 |
| Core capital (leverage) ratio | 13.4983% | 947 |
| Tier 1 risk-based capital ratio | 19.0781% | 1,940 |
| Total risk-based capital ratio | 20.2371% | 1,932 |
| Memoranda: | ||
| Average total assets | $378,036,800 | 1,725 |
| Average earning assets | $345,469,400 | 1,725 |
| Average equity | $49,923,000 | 1,426 |
| Average total loans | $289,719,800 | 1,454 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5422% | 3,459 |
| Cost of funding earning assets | 0.6915% | 3,843 |
| Net interest margin | 3.8508% | 3,115 |
| Noninterest income to average assets | 0.7273% | 2,586 |
| Noninterest expense to average assets | 2.9929% | 3,254 |
| Loan and lease loss provision to assets | 0.4241% | 1,498 |
| Net operating income to assets | 0.5397% | 4,663 |
| Return on assets (ROA) | 0.5516% | 4,871 |
| Pretax return on assets | 0.8534% | 4,290 |
| Return on Equity (ROE) | 4.1773% | 5,215 |
| Retained earnings to average equity (ytd only) | 4.1773% | 3,959 |
| Net charge-offs to loans | 0.3502% | 2,700 |
| Credit loss provision to net charge-offs | 159.1512% | 1,759 |
| Earnings coverage of net charge-offs (x) | 4.7255% | 3,222 |
| Efficiency ratio | 70.3873% | 3,612 |
| Assets per employee ($millions) | 4.1459% | 3,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9565% | 6,227 |
| Loan loss allowance to noncurrent loans | 64.0746% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.4273% | 3,468 |
| Noncurrent loans to loans | 1.4929% | 3,546 |
| Net loans and leases to total assets | 77.3392% | 815 |
| Net loans and leases to deposits | 97.7458% | 559 |
| Net loans and leases to core deposits | 104.5839% | 837 |
| Total domestic deposits to total assets | 79.1227% | 5,838 |
| Equity capital to assets | 13.2784% | 1,456 |
| Core capital (leverage) ratio | 13.4822% | 1,019 |
| Tier 1 risk-based capital ratio | 19.3005% | 1,922 |
| Total risk-based capital ratio | 20.4129% | 1,932 |
| Memoranda: | ||
| Average total assets | $377,284,500 | 1,748 |
| Average earning assets | $345,342,750 | 1,748 |
| Average equity | $49,824,000 | 1,434 |
| Average total loans | $287,034,500 | 1,469 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5649% | 3,502 |
| Cost of funding earning assets | 0.7138% | 3,909 |
| Net interest margin | 3.8511% | 3,131 |
| Noninterest income to average assets | 0.6860% | 2,742 |
| Noninterest expense to average assets | 3.0396% | 3,126 |
| Loan and lease loss provision to assets | 0.5036% | 1,259 |
| Net operating income to assets | 0.4440% | 5,060 |
| Return on assets (ROA) | 0.4538% | 5,258 |
| Pretax return on assets | 0.6897% | 4,859 |
| Return on Equity (ROE) | 3.4424% | 5,511 |
| Retained earnings to average equity (ytd only) | 3.4424% | 4,311 |
| Net charge-offs to loans | 0.4295% | 2,323 |
| Credit loss provision to net charge-offs | 155.4828% | 1,782 |
| Earnings coverage of net charge-offs (x) | 3.6383% | 3,316 |
| Efficiency ratio | 72.0623% | 3,423 |
| Assets per employee ($millions) | 4.2679% | 3,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 6,374 |
| Loan loss allowance to noncurrent loans | 61.9941% | 4,556 |
| Noncurrent assets plus other real estate owned to assets | 1.3752% | 3,681 |
| Noncurrent loans to loans | 1.5046% | 3,649 |
| Net loans and leases to total assets | 76.6621% | 884 |
| Net loans and leases to deposits | 96.3617% | 608 |
| Net loans and leases to core deposits | 103.7658% | 875 |
| Total domestic deposits to total assets | 79.5566% | 5,849 |
| Equity capital to assets | 13.3537% | 1,368 |
| Core capital (leverage) ratio | 13.2727% | 1,062 |
| Tier 1 risk-based capital ratio | 19.4102% | 1,874 |
| Total risk-based capital ratio | 20.4944% | 1,878 |
| Memoranda: | ||
| Average total assets | $377,285,670 | 1,750 |
| Average earning assets | $346,030,670 | 1,743 |
| Average equity | $49,733,000 | 1,431 |
| Average total loans | $284,511,330 | 1,485 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5086% | 3,878 |
| Cost of funding earning assets | 0.7578% | 3,803 |
| Net interest margin | 3.7508% | 3,593 |
| Noninterest income to average assets | 0.7193% | 2,558 |
| Noninterest expense to average assets | 2.9661% | 3,403 |
| Loan and lease loss provision to assets | 0.5289% | 1,132 |
| Net operating income to assets | 0.4387% | 5,091 |
| Return on assets (ROA) | 0.4422% | 5,259 |
| Pretax return on assets | 0.6696% | 4,888 |
| Return on Equity (ROE) | 3.3762% | 5,559 |
| Retained earnings to average equity (ytd only) | 3.3762% | 4,542 |
| Net charge-offs to loans | 0.5216% | 1,784 |
| Credit loss provision to net charge-offs | 136.2398% | 1,804 |
| Earnings coverage of net charge-offs (x) | 3.0736% | 2,974 |
| Efficiency ratio | 71.3123% | 3,568 |
| Assets per employee ($millions) | 4.4310% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 6,595 |
| Loan loss allowance to noncurrent loans | 55.3102% | 4,776 |
| Noncurrent assets plus other real estate owned to assets | 1.4116% | 3,751 |
| Noncurrent loans to loans | 1.5839% | 3,738 |
| Net loans and leases to total assets | 74.3812% | 1,003 |
| Net loans and leases to deposits | 94.2181% | 648 |
| Net loans and leases to core deposits | 101.1458% | 914 |
| Total domestic deposits to total assets | 78.9458% | 6,088 |
| Equity capital to assets | 13.0611% | 1,415 |
| Core capital (leverage) ratio | 13.2259% | 1,049 |
| Tier 1 risk-based capital ratio | 19.5814% | 1,817 |
| Total risk-based capital ratio | 20.6190% | 1,845 |
| Memoranda: | ||
| Average total assets | $378,141,500 | 1,753 |
| Average earning assets | $346,806,000 | 1,744 |
| Average equity | $49,523,000 | 1,425 |
| Average total loans | $281,450,000 | 1,507 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 4,816 |
| Cost of funding earning assets | 0.9132% | 4,028 |
| Net interest margin | 3.6502% | 4,519 |
| Noninterest income to average assets | 0.6928% | 2,643 |
| Noninterest expense to average assets | 3.1611% | 2,996 |
| Loan and lease loss provision to assets | 0.4836% | 2,186 |
| Net operating income to assets | 0.3359% | 5,118 |
| Return on assets (ROA) | 0.3334% | 5,288 |
| Pretax return on assets | 0.3885% | 5,326 |
| Return on Equity (ROE) | 2.6189% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.6189% | 4,361 |
| Net charge-offs to loans | 0.7956% | 2,169 |
| Credit loss provision to net charge-offs | 87.2340% | 4,142 |
| Earnings coverage of net charge-offs (x) | 1.5783% | 4,589 |
| Efficiency ratio | 78.3219% | 2,551 |
| Assets per employee ($millions) | 4.2639% | 3,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8565% | 6,631 |
| Loan loss allowance to noncurrent loans | 51.0767% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 1.4861% | 3,720 |
| Noncurrent loans to loans | 1.6768% | 3,648 |
| Net loans and leases to total assets | 73.1794% | 1,414 |
| Net loans and leases to deposits | 92.8605% | 895 |
| Net loans and leases to core deposits | 100.2333% | 1,156 |
| Total domestic deposits to total assets | 78.8057% | 6,035 |
| Equity capital to assets | 13.1323% | 1,426 |
| Core capital (leverage) ratio | 13.2362% | 1,057 |
| Tier 1 risk-based capital ratio | 20.2334% | 1,590 |
| Total risk-based capital ratio | 21.2437% | 1,615 |
| Memoranda: | ||
| Average total assets | $381,509,800 | 1,695 |
| Average earning assets | $349,437,600 | 1,694 |
| Average equity | $48,570,600 | 1,406 |
| Average total loans | $265,832,000 | 1,583 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 4,952 |
| Cost of funding earning assets | 0.9515% | 4,033 |
| Net interest margin | 3.6277% | 4,669 |
| Noninterest income to average assets | 0.6843% | 2,699 |
| Noninterest expense to average assets | 3.0437% | 3,382 |
| Loan and lease loss provision to assets | 0.5499% | 1,787 |
| Net operating income to assets | 0.3642% | 5,144 |
| Return on assets (ROA) | 0.3651% | 5,330 |
| Pretax return on assets | 0.4131% | 5,425 |
| Return on Equity (ROE) | 2.8901% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.8901% | 4,624 |
| Net charge-offs to loans | 0.8176% | 1,932 |
| Credit loss provision to net charge-offs | 97.9541% | 3,489 |
| Earnings coverage of net charge-offs (x) | 1.7136% | 4,369 |
| Efficiency ratio | 75.9840% | 2,841 |
| Assets per employee ($millions) | 4.3470% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,337 |
| Loan loss allowance to noncurrent loans | 40.4496% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 2.1680% | 2,942 |
| Noncurrent loans to loans | 2.4342% | 2,841 |
| Net loans and leases to total assets | 70.1812% | 2,051 |
| Net loans and leases to deposits | 85.2520% | 1,795 |
| Net loans and leases to core deposits | 91.8363% | 2,018 |
| Total domestic deposits to total assets | 82.3221% | 4,967 |
| Equity capital to assets | 13.0907% | 1,567 |
| Core capital (leverage) ratio | 12.9561% | 1,243 |
| Tier 1 risk-based capital ratio | 20.6887% | 1,523 |
| Total risk-based capital ratio | 21.7952% | 1,521 |
| Memoranda: | ||
| Average total assets | $383,082,500 | 1,699 |
| Average earning assets | $350,741,500 | 1,697 |
| Average equity | $48,394,500 | 1,415 |
| Average total loans | $263,051,250 | 1,615 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5621% | 5,129 |
| Cost of funding earning assets | 0.9931% | 3,991 |
| Net interest margin | 3.5690% | 4,841 |
| Noninterest income to average assets | 0.7127% | 2,480 |
| Noninterest expense to average assets | 2.9806% | 3,713 |
| Loan and lease loss provision to assets | 0.5438% | 1,786 |
| Net operating income to assets | 0.3918% | 4,985 |
| Return on assets (ROA) | 0.3931% | 5,122 |
| Pretax return on assets | 0.4584% | 5,196 |
| Return on Equity (ROE) | 3.1485% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.1485% | 4,270 |
| Net charge-offs to loans | 0.7355% | 2,037 |
| Credit loss provision to net charge-offs | 108.8083% | 2,817 |
| Earnings coverage of net charge-offs (x) | 2.0021% | 3,869 |
| Efficiency ratio | 74.8667% | 3,209 |
| Assets per employee ($millions) | 4.2045% | 3,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 6,197 |
| Loan loss allowance to noncurrent loans | 36.0143% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 2.4466% | 2,720 |
| Noncurrent loans to loans | 2.8776% | 2,539 |
| Net loans and leases to total assets | 68.8188% | 2,453 |
| Net loans and leases to deposits | 83.4162% | 2,197 |
| Net loans and leases to core deposits | 89.6600% | 2,418 |
| Total domestic deposits to total assets | 82.5004% | 4,987 |
| Equity capital to assets | 12.8297% | 1,607 |
| Core capital (leverage) ratio | 12.6393% | 1,310 |
| Tier 1 risk-based capital ratio | 20.4257% | 1,528 |
| Total risk-based capital ratio | 21.6176% | 1,509 |
| Memoranda: | ||
| Average total assets | $386,161,670 | 1,700 |
| Average earning assets | $353,654,330 | 1,693 |
| Average equity | $48,213,000 | 1,401 |
| Average total loans | $262,409,000 | 1,640 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5674% | 5,093 |
| Cost of funding earning assets | 1.0426% | 3,904 |
| Net interest margin | 3.5248% | 4,899 |
| Noninterest income to average assets | 0.8717% | 1,762 |
| Noninterest expense to average assets | 2.7997% | 4,446 |
| Loan and lease loss provision to assets | 0.6153% | 1,394 |
| Net operating income to assets | 0.5915% | 4,077 |
| Return on assets (ROA) | 0.5835% | 4,189 |
| Pretax return on assets | 0.6789% | 4,388 |
| Return on Equity (ROE) | 4.7372% | 4,538 |
| Retained earnings to average equity (ytd only) | 4.7372% | 3,355 |
| Net charge-offs to loans | 1.0716% | 1,280 |
| Credit loss provision to net charge-offs | 85.4701% | 3,029 |
| Earnings coverage of net charge-offs (x) | 1.8105% | 3,399 |
| Efficiency ratio | 68.2329% | 4,615 |
| Assets per employee ($millions) | 4.2117% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,467 |
| Loan loss allowance to noncurrent loans | 29.1920% | 6,344 |
| Noncurrent assets plus other real estate owned to assets | 2.6278% | 2,615 |
| Noncurrent loans to loans | 3.3546% | 2,233 |
| Net loans and leases to total assets | 66.2840% | 2,936 |
| Net loans and leases to deposits | 81.0520% | 2,515 |
| Net loans and leases to core deposits | 87.2648% | 2,705 |
| Total domestic deposits to total assets | 81.7796% | 5,397 |
| Equity capital to assets | 12.4794% | 1,639 |
| Core capital (leverage) ratio | 12.4354% | 1,356 |
| Tier 1 risk-based capital ratio | 20.4370% | 1,494 |
| Total risk-based capital ratio | 21.5548% | 1,494 |
| Memoranda: | ||
| Average total assets | $390,040,500 | 1,691 |
| Average earning assets | $357,578,500 | 1,684 |
| Average equity | $48,045,500 | 1,392 |
| Average total loans | $262,043,500 | 1,664 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9429% | 4,821 |
| Cost of funding earning assets | 1.3681% | 3,468 |
| Net interest margin | 3.5748% | 4,941 |
| Noninterest income to average assets | 0.6246% | 3,318 |
| Noninterest expense to average assets | 2.8942% | 4,249 |
| Loan and lease loss provision to assets | 0.7377% | 2,226 |
| Net operating income to assets | 0.2235% | 5,206 |
| Return on assets (ROA) | 0.2260% | 5,347 |
| Pretax return on assets | 0.2767% | 5,296 |
| Return on Equity (ROE) | 1.9062% | 5,421 |
| Retained earnings to average equity (ytd only) | 1.9062% | 4,531 |
| Net charge-offs to loans | 1.5244% | 1,438 |
| Credit loss provision to net charge-offs | 68.4113% | 5,908 |
| Earnings coverage of net charge-offs (x) | 0.9379% | 5,175 |
| Efficiency ratio | 74.1040% | 3,380 |
| Assets per employee ($millions) | 4.2674% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 6,402 |
| Loan loss allowance to noncurrent loans | 21.2328% | 6,763 |
| Noncurrent assets plus other real estate owned to assets | 3.5593% | 1,933 |
| Noncurrent loans to loans | 4.7006% | 1,480 |
| Net loans and leases to total assets | 66.7517% | 3,287 |
| Net loans and leases to deposits | 83.0915% | 2,609 |
| Net loans and leases to core deposits | 89.1804% | 2,874 |
| Total domestic deposits to total assets | 80.3351% | 5,740 |
| Equity capital to assets | 12.1588% | 1,823 |
| Core capital (leverage) ratio | 12.0394% | 1,517 |
| Tier 1 risk-based capital ratio | 20.1326% | 1,463 |
| Total risk-based capital ratio | 21.2757% | 1,454 |
| Memoranda: | ||
| Average total assets | $398,657,400 | 1,657 |
| Average earning assets | $365,897,400 | 1,646 |
| Average equity | $47,267,200 | 1,415 |
| Average total loans | $282,018,000 | 1,586 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 4,583 |
| Cost of funding earning assets | 1.4103% | 3,519 |
| Net interest margin | 3.6413% | 4,668 |
| Noninterest income to average assets | 0.5701% | 3,647 |
| Noninterest expense to average assets | 2.8660% | 4,219 |
| Loan and lease loss provision to assets | 0.7080% | 2,160 |
| Net operating income to assets | 0.3143% | 5,112 |
| Return on assets (ROA) | 0.3119% | 5,291 |
| Pretax return on assets | 0.3345% | 5,414 |
| Return on Equity (ROE) | 2.6468% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.6468% | 4,565 |
| Net charge-offs to loans | 1.6567% | 1,194 |
| Credit loss provision to net charge-offs | 59.7246% | 5,696 |
| Earnings coverage of net charge-offs (x) | 0.8817% | 5,165 |
| Efficiency ratio | 73.2771% | 3,467 |
| Assets per employee ($millions) | 4.3302% | 3,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9412% | 6,607 |
| Loan loss allowance to noncurrent loans | 16.3795% | 7,034 |
| Noncurrent assets plus other real estate owned to assets | 4.1051% | 1,681 |
| Noncurrent loans to loans | 5.7464% | 1,129 |
| Net loans and leases to total assets | 67.8141% | 3,258 |
| Net loans and leases to deposits | 84.5994% | 2,597 |
| Net loans and leases to core deposits | 92.0003% | 2,796 |
| Total domestic deposits to total assets | 80.1591% | 5,653 |
| Equity capital to assets | 11.9768% | 2,172 |
| Core capital (leverage) ratio | 11.9591% | 1,690 |
| Tier 1 risk-based capital ratio | 19.6428% | 1,618 |
| Total risk-based capital ratio | 20.7104% | 1,621 |
| Memoranda: | ||
| Average total assets | $400,171,000 | 1,675 |
| Average earning assets | $367,189,250 | 1,667 |
| Average equity | $47,150,000 | 1,428 |
| Average total loans | $286,344,750 | 1,579 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0724% | 4,600 |
| Cost of funding earning assets | 1.4500% | 3,556 |
| Net interest margin | 3.6224% | 4,724 |
| Noninterest income to average assets | 0.5255% | 3,913 |
| Noninterest expense to average assets | 2.6384% | 5,171 |
| Loan and lease loss provision to assets | 0.8159% | 1,773 |
| Net operating income to assets | 0.2216% | 5,492 |
| Return on assets (ROA) | 0.2251% | 5,612 |
| Pretax return on assets | 0.4027% | 5,217 |
| Return on Equity (ROE) | 1.9207% | 5,659 |
| Retained earnings to average equity (ytd only) | 1.9207% | 4,911 |
| Net charge-offs to loans | 2.1335% | 847 |
| Credit loss provision to net charge-offs | 52.6909% | 5,361 |
| Earnings coverage of net charge-offs (x) | 0.7834% | 4,978 |
| Efficiency ratio | 68.5022% | 4,477 |
| Assets per employee ($millions) | 4.5132% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8936% | 6,780 |
| Loan loss allowance to noncurrent loans | 19.6538% | 6,960 |
| Noncurrent assets plus other real estate owned to assets | 3.3585% | 2,095 |
| Noncurrent loans to loans | 4.5466% | 1,600 |
| Net loans and leases to total assets | 69.9132% | 2,923 |
| Net loans and leases to deposits | 87.9545% | 2,174 |
| Net loans and leases to core deposits | 95.4823% | 2,511 |
| Total domestic deposits to total assets | 79.4879% | 5,894 |
| Equity capital to assets | 11.7487% | 2,249 |
| Core capital (leverage) ratio | 11.7405% | 1,785 |
| Tier 1 risk-based capital ratio | 18.9644% | 1,729 |
| Total risk-based capital ratio | 19.9815% | 1,755 |
| Memoranda: | ||
| Average total assets | $400,768,000 | 1,690 |
| Average earning assets | $367,991,670 | 1,672 |
| Average equity | $46,962,330 | 1,428 |
| Average total loans | $290,884,670 | 1,577 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1593% | 4,246 |
| Cost of funding earning assets | 1.4991% | 3,562 |
| Net interest margin | 3.6603% | 4,438 |
| Noninterest income to average assets | 0.4746% | 4,253 |
| Noninterest expense to average assets | 2.5870% | 5,402 |
| Loan and lease loss provision to assets | 1.0841% | 1,136 |
| Net operating income to assets | 0.0486% | 6,166 |
| Return on assets (ROA) | 0.0410% | 6,300 |
| Pretax return on assets | 0.1609% | 5,993 |
| Return on Equity (ROE) | 0.3501% | 6,321 |
| Retained earnings to average equity (ytd only) | 0.3501% | 5,697 |
| Net charge-offs to loans | 1.5490% | 1,124 |
| Credit loss provision to net charge-offs | 95.0920% | 3,546 |
| Earnings coverage of net charge-offs (x) | 1.1025% | 4,106 |
| Efficiency ratio | 67.2992% | 4,851 |
| Assets per employee ($millions) | 4.3053% | 3,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,626 |
| Loan loss allowance to noncurrent loans | 25.7173% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 3.9376% | 1,754 |
| Noncurrent loans to loans | 5.2888% | 1,338 |
| Net loans and leases to total assets | 71.4368% | 2,582 |
| Net loans and leases to deposits | 91.2307% | 1,724 |
| Net loans and leases to core deposits | 99.3732% | 2,194 |
| Total domestic deposits to total assets | 78.3035% | 6,242 |
| Equity capital to assets | 11.7097% | 2,222 |
| Core capital (leverage) ratio | 11.7409% | 1,779 |
| Tier 1 risk-based capital ratio | 18.7532% | 1,784 |
| Total risk-based capital ratio | 20.0217% | 1,742 |
| Memoranda: | ||
| Average total assets | $400,316,500 | 1,726 |
| Average earning assets | $368,499,000 | 1,708 |
| Average equity | $46,848,000 | 1,437 |
| Average total loans | $294,650,500 | 1,597 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3587% | 4,900 |
| Cost of funding earning assets | 2.0928% | 2,502 |
| Net interest margin | 3.2659% | 5,870 |
| Noninterest income to average assets | 0.4838% | 4,538 |
| Noninterest expense to average assets | 2.8494% | 4,750 |
| Loan and lease loss provision to assets | 1.2511% | 1,850 |
| Net operating income to assets | -0.4941% | 6,171 |
| Return on assets (ROA) | -0.5203% | 6,193 |
| Pretax return on assets | -0.6633% | 6,151 |
| Return on Equity (ROE) | -4.1410% | 6,126 |
| Retained earnings to average equity (ytd only) | -4.1410% | 5,890 |
| Net charge-offs to loans | 0.7516% | 2,944 |
| Credit loss provision to net charge-offs | 208.1491% | 1,848 |
| Earnings coverage of net charge-offs (x) | 1.0338% | 5,077 |
| Efficiency ratio | 82.0973% | 2,585 |
| Assets per employee ($millions) | 4.4471% | 3,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 4,559 |
| Loan loss allowance to noncurrent loans | 25.0831% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 4.1708% | 1,565 |
| Noncurrent loans to loans | 5.3276% | 1,232 |
| Net loans and leases to total assets | 73.7880% | 2,318 |
| Net loans and leases to deposits | 97.0813% | 1,202 |
| Net loans and leases to core deposits | 121.8703% | 1,790 |
| Total domestic deposits to total assets | 76.0065% | 6,680 |
| Equity capital to assets | 11.6958% | 2,192 |
| Core capital (leverage) ratio | 11.8681% | 1,725 |
| Tier 1 risk-based capital ratio | 18.4804% | 1,758 |
| Total risk-based capital ratio | 19.7439% | 1,717 |
| Memoranda: | ||
| Average total assets | $383,831,800 | 1,782 |
| Average earning assets | $351,056,800 | 1,781 |
| Average equity | $48,224,800 | 1,397 |
| Average total loans | $306,939,000 | 1,560 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4618% | 4,620 |
| Cost of funding earning assets | 2.1690% | 2,558 |
| Net interest margin | 3.2928% | 5,666 |
| Noninterest income to average assets | 0.5218% | 4,302 |
| Noninterest expense to average assets | 2.9891% | 4,095 |
| Loan and lease loss provision to assets | 1.1692% | 1,661 |
| Net operating income to assets | -0.4202% | 6,344 |
| Return on assets (ROA) | -0.4452% | 6,375 |
| Pretax return on assets | -0.6703% | 6,461 |
| Return on Equity (ROE) | -3.4802% | 6,295 |
| Retained earnings to average equity (ytd only) | -3.4802% | 6,028 |
| Net charge-offs to loans | 0.8207% | 2,324 |
| Credit loss provision to net charge-offs | 175.1710% | 2,636 |
| Earnings coverage of net charge-offs (x) | 0.8043% | 5,250 |
| Efficiency ratio | 84.7739% | 2,212 |
| Assets per employee ($millions) | 4.3562% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 6,444 |
| Loan loss allowance to noncurrent loans | 26.5785% | 6,689 |
| Noncurrent assets plus other real estate owned to assets | 3.5289% | 1,878 |
| Noncurrent loans to loans | 3.6504% | 2,050 |
| Net loans and leases to total assets | 76.3849% | 1,919 |
| Net loans and leases to deposits | 101.4757% | 970 |
| Net loans and leases to core deposits | 128.2269% | 1,564 |
| Total domestic deposits to total assets | 75.2741% | 6,726 |
| Equity capital to assets | 12.1108% | 2,182 |
| Core capital (leverage) ratio | 12.6051% | 1,539 |
| Tier 1 risk-based capital ratio | 18.8700% | 1,775 |
| Total risk-based capital ratio | 20.0190% | 1,761 |
| Memoranda: | ||
| Average total assets | $379,730,500 | 1,813 |
| Average earning assets | $346,447,750 | 1,816 |
| Average equity | $48,578,250 | 1,406 |
| Average total loans | $308,842,000 | 1,573 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5478% | 4,344 |
| Cost of funding earning assets | 2.2381% | 2,633 |
| Net interest margin | 3.3097% | 5,519 |
| Noninterest income to average assets | 0.5213% | 4,266 |
| Noninterest expense to average assets | 2.8907% | 4,535 |
| Loan and lease loss provision to assets | 1.6053% | 1,055 |
| Net operating income to assets | -0.6085% | 6,667 |
| Return on assets (ROA) | -0.6357% | 6,694 |
| Pretax return on assets | -1.0095% | 6,821 |
| Return on Equity (ROE) | -4.8790% | 6,590 |
| Retained earnings to average equity (ytd only) | -4.8790% | 6,280 |
| Net charge-offs to loans | 1.0058% | 1,759 |
| Credit loss provision to net charge-offs | 192.7749% | 2,373 |
| Earnings coverage of net charge-offs (x) | 0.7666% | 4,964 |
| Efficiency ratio | 81.9101% | 2,732 |
| Assets per employee ($millions) | 4.2469% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 6,488 |
| Loan loss allowance to noncurrent loans | 29.4100% | 6,532 |
| Noncurrent assets plus other real estate owned to assets | 3.1668% | 1,980 |
| Noncurrent loans to loans | 3.2711% | 2,164 |
| Net loans and leases to total assets | 81.4253% | 1,066 |
| Net loans and leases to deposits | 106.8629% | 715 |
| Net loans and leases to core deposits | 136.5893% | 1,184 |
| Total domestic deposits to total assets | 76.1961% | 6,508 |
| Equity capital to assets | 12.8903% | 1,741 |
| Core capital (leverage) ratio | 12.8576% | 1,476 |
| Tier 1 risk-based capital ratio | 19.0318% | 1,775 |
| Total risk-based capital ratio | 20.1996% | 1,746 |
| Memoranda: | ||
| Average total assets | $375,622,670 | 1,856 |
| Average earning assets | $341,358,000 | 1,859 |
| Average equity | $48,944,000 | 1,406 |
| Average total loans | $310,988,000 | 1,592 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5878% | 4,436 |
| Cost of funding earning assets | 2.3150% | 2,634 |
| Net interest margin | 3.2728% | 5,607 |
| Noninterest income to average assets | 0.5130% | 4,203 |
| Noninterest expense to average assets | 2.7065% | 4,976 |
| Loan and lease loss provision to assets | 0.4249% | 2,801 |
| Net operating income to assets | 0.1216% | 5,914 |
| Return on assets (ROA) | 0.1073% | 6,122 |
| Pretax return on assets | 0.3102% | 5,654 |
| Return on Equity (ROE) | 0.8190% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.8190% | 5,333 |
| Net charge-offs to loans | 0.4373% | 2,359 |
| Credit loss provision to net charge-offs | 116.9591% | 3,338 |
| Earnings coverage of net charge-offs (x) | 2.0848% | 3,681 |
| Efficiency ratio | 78.1355% | 3,143 |
| Assets per employee ($millions) | 4.3260% | 3,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4981% | 7,830 |
| Loan loss allowance to noncurrent loans | 14.9684% | 7,399 |
| Noncurrent assets plus other real estate owned to assets | 2.8583% | 1,992 |
| Noncurrent loans to loans | 3.3275% | 1,925 |
| Net loans and leases to total assets | 82.0229% | 1,018 |
| Net loans and leases to deposits | 111.8034% | 531 |
| Net loans and leases to core deposits | 141.6609% | 1,031 |
| Total domestic deposits to total assets | 73.3635% | 6,990 |
| Equity capital to assets | 12.9632% | 1,761 |
| Core capital (leverage) ratio | 13.1552% | 1,433 |
| Tier 1 risk-based capital ratio | 19.3484% | 1,746 |
| Total risk-based capital ratio | 19.9612% | 1,833 |
| Memoranda: | ||
| Average total assets | $376,572,000 | 1,857 |
| Average earning assets | $339,523,500 | 1,879 |
| Average equity | $49,329,000 | 1,400 |
| Average total loans | $312,851,000 | 1,600 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1441% | 4,805 |
| Cost of funding earning assets | 2.4926% | 4,243 |
| Net interest margin | 3.6515% | 4,671 |
| Noninterest income to average assets | 0.7544% | 2,757 |
| Noninterest expense to average assets | 2.9723% | 4,175 |
| Loan and lease loss provision to assets | 0.1516% | 5,426 |
| Net operating income to assets | 0.6802% | 3,984 |
| Return on assets (ROA) | 0.6704% | 3,867 |
| Pretax return on assets | 0.9776% | 3,458 |
| Return on Equity (ROE) | 4.7504% | 4,498 |
| Retained earnings to average equity (ytd only) | 4.7504% | 2,185 |
| Net charge-offs to loans | 0.1490% | 4,718 |
| Credit loss provision to net charge-offs | 120.9677% | 4,436 |
| Earnings coverage of net charge-offs (x) | 9.1244% | 2,751 |
| Efficiency ratio | 72.2203% | 3,894 |
| Assets per employee ($millions) | 4.3309% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4825% | 7,872 |
| Loan loss allowance to noncurrent loans | 16.9406% | 7,343 |
| Noncurrent assets plus other real estate owned to assets | 2.4282% | 1,999 |
| Noncurrent loans to loans | 2.8484% | 1,899 |
| Net loans and leases to total assets | 83.3340% | 988 |
| Net loans and leases to deposits | 124.2748% | 300 |
| Net loans and leases to core deposits | 156.5411% | 655 |
| Total domestic deposits to total assets | 67.0562% | 7,570 |
| Equity capital to assets | 13.2388% | 1,692 |
| Core capital (leverage) ratio | 13.5470% | 1,372 |
| Tier 1 risk-based capital ratio | 19.3065% | 1,745 |
| Total risk-based capital ratio | 19.8958% | 1,834 |
| Memoranda: | ||
| Average total assets | $346,365,200 | 1,922 |
| Average earning assets | $318,824,200 | 1,913 |
| Average equity | $48,879,800 | 1,397 |
| Average total loans | $291,333,400 | 1,658 |