Home > Country Bank for Savings > Performance and Condition Ratios
Country Bank for Savings, 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 | 4.6283% | 2,833 |
| Cost of funding earning assets | 1.3379% | 2,398 |
| Net interest margin | 3.2904% | 2,661 |
| Noninterest income to average assets | 0.5400% | 1,780 |
| Noninterest expense to average assets | 2.6865% | 1,770 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.7382% | 3,084 |
| Return on assets (ROA) | 0.7442% | 3,046 |
| Pretax return on assets | 0.9944% | 2,702 |
| Return on Equity (ROE) | 5.0000% | 3,722 |
| Retained earnings to average equity (ytd only) | 5.0035% | 2,606 |
| Net charge-offs to loans | -0.0046% | 3,815 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 72.4614% | 1,619 |
| Assets per employee ($millions) | 8.8029% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,387 |
| Loan loss allowance to noncurrent loans | 69.7266% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.0967% | 424 |
| Noncurrent loans to loans | 1.4129% | 494 |
| Net loans and leases to total assets | 76.8600% | 994 |
| Net loans and leases to deposits | 106.6000% | 270 |
| Net loans and leases to core deposits | 118.2865% | 681 |
| Total domestic deposits to total assets | 72.1000% | 4,225 |
| Equity capital to assets | 14.9552% | 555 |
| Core capital (leverage) ratio | 16.2075% | 466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,782,076,600 | 630 |
| Average earning assets | $1,714,486,000 | 605 |
| Average equity | $265,052,600 | 434 |
| Average total loans | $1,374,280,200 | 555 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5822% | 2,725 |
| Cost of funding earning assets | 1.2023% | 2,426 |
| Net interest margin | 3.3799% | 2,496 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.7108% | 1,628 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.6926% | 3,340 |
| Return on assets (ROA) | 0.6963% | 3,315 |
| Pretax return on assets | 0.9316% | 3,031 |
| Return on Equity (ROE) | 4.6900% | 3,869 |
| Retained earnings to average equity (ytd only) | 4.6882% | 3,046 |
| Net charge-offs to loans | -0.0071% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 73.7548% | 1,381 |
| Assets per employee ($millions) | 8.6008% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9839% | 3,447 |
| Loan loss allowance to noncurrent loans | 69.0536% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1098% | 429 |
| Noncurrent loans to loans | 1.4248% | 520 |
| Net loans and leases to total assets | 77.1200% | 980 |
| Net loans and leases to deposits | 106.4246% | 283 |
| Net loans and leases to core deposits | 116.1821% | 655 |
| Total domestic deposits to total assets | 72.4700% | 4,235 |
| Equity capital to assets | 14.4052% | 599 |
| Core capital (leverage) ratio | 16.1726% | 472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,763,244,250 | 636 |
| Average earning assets | $1,695,365,750 | 610 |
| Average equity | $261,871,000 | 436 |
| Average total loans | $1,357,397,500 | 563 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4837% | 2,689 |
| Cost of funding earning assets | 1.0073% | 2,585 |
| Net interest margin | 3.4764% | 2,326 |
| Noninterest income to average assets | 0.4300% | 2,254 |
| Noninterest expense to average assets | 2.7524% | 1,521 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7215% | 3,295 |
| Return on assets (ROA) | 0.7157% | 3,308 |
| Pretax return on assets | 0.9579% | 3,024 |
| Return on Equity (ROE) | 4.7700% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.7690% | 3,004 |
| Net charge-offs to loans | 0.0004% | 2,440 |
| Credit loss provision to net charge-offs | 17,033.3333% | 32 |
| Earnings coverage of net charge-offs (x) | 2,970.3333% | 38 |
| Efficiency ratio | 72.9157% | 1,460 |
| Assets per employee ($millions) | 8.5382% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9878% | 3,481 |
| Loan loss allowance to noncurrent loans | 307.8724% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.2477% | 1,967 |
| Noncurrent loans to loans | 0.3209% | 1,991 |
| Net loans and leases to total assets | 76.4400% | 1,008 |
| Net loans and leases to deposits | 104.1631% | 362 |
| Net loans and leases to core deposits | 113.1667% | 710 |
| Total domestic deposits to total assets | 73.3900% | 4,230 |
| Equity capital to assets | 14.6244% | 562 |
| Core capital (leverage) ratio | 16.2554% | 450 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,743,200,667 | 625 |
| Average earning assets | $1,676,500,000 | 606 |
| Average equity | $261,608,000 | 428 |
| Average total loans | $1,336,457,667 | 555 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3468% | 2,688 |
| Cost of funding earning assets | 0.6520% | 3,215 |
| Net interest margin | 3.6948% | 1,909 |
| Noninterest income to average assets | 0.4100% | 2,332 |
| Noninterest expense to average assets | 2.8823% | 1,272 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.7879% | 3,228 |
| Return on assets (ROA) | 0.7384% | 3,335 |
| Pretax return on assets | 1.0046% | 2,977 |
| Return on Equity (ROE) | 4.8500% | 3,910 |
| Retained earnings to average equity (ytd only) | 4.8544% | 3,048 |
| Net charge-offs to loans | 0.0018% | 1,973 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 772.5000% | 146 |
| Efficiency ratio | 72.6629% | 1,476 |
| Assets per employee ($millions) | 8.4217% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,472 |
| Loan loss allowance to noncurrent loans | 309.8432% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 1,886 |
| Noncurrent loans to loans | 0.3261% | 1,982 |
| Net loans and leases to total assets | 74.8200% | 1,097 |
| Net loans and leases to deposits | 101.8301% | 366 |
| Net loans and leases to core deposits | 109.2450% | 726 |
| Total domestic deposits to total assets | 73.4800% | 4,309 |
| Equity capital to assets | 14.9893% | 486 |
| Core capital (leverage) ratio | 16.9122% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,709,750,500 | 648 |
| Average earning assets | $1,644,253,000 | 623 |
| Average equity | $260,053,500 | 440 |
| Average total loans | $1,305,946,500 | 574 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6926% | 2,542 |
| Cost of funding earning assets | 0.1793% | 3,912 |
| Net interest margin | 3.5132% | 1,887 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 2.6245% | 1,759 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8514% | 3,143 |
| Return on assets (ROA) | 0.8801% | 2,986 |
| Pretax return on assets | 1.1976% | 2,442 |
| Return on Equity (ROE) | 5.7900% | 3,868 |
| Retained earnings to average equity (ytd only) | 5.7891% | 2,721 |
| Net charge-offs to loans | 0.0034% | 2,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 508.2821% | 328 |
| Efficiency ratio | 69.3252% | 1,782 |
| Assets per employee ($millions) | 7.8643% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 2,691 |
| Loan loss allowance to noncurrent loans | 358.8134% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.2458% | 1,924 |
| Noncurrent loans to loans | 0.3183% | 2,010 |
| Net loans and leases to total assets | 76.3500% | 975 |
| Net loans and leases to deposits | 94.5012% | 748 |
| Net loans and leases to core deposits | 97.9503% | 1,103 |
| Total domestic deposits to total assets | 80.7900% | 3,780 |
| Equity capital to assets | 15.4441% | 432 |
| Core capital (leverage) ratio | 17.0554% | 387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,706,961,400 | 637 |
| Average earning assets | $1,647,199,800 | 604 |
| Average equity | $259,504,400 | 430 |
| Average total loans | $1,161,916,000 | 599 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5051% | 2,597 |
| Cost of funding earning assets | 0.1716% | 3,603 |
| Net interest margin | 3.3335% | 2,190 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.5472% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7442% | 3,438 |
| Return on assets (ROA) | 0.7395% | 3,397 |
| Pretax return on assets | 0.9907% | 3,046 |
| Return on Equity (ROE) | 4.8800% | 4,005 |
| Retained earnings to average equity (ytd only) | 4.8833% | 3,144 |
| Net charge-offs to loans | 0.0042% | 2,048 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 356.8889% | 422 |
| Efficiency ratio | 71.8776% | 1,531 |
| Assets per employee ($millions) | 8.3110% | 1,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 2,460 |
| Loan loss allowance to noncurrent loans | 375.8408% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 2,076 |
| Noncurrent loans to loans | 0.3227% | 2,077 |
| Net loans and leases to total assets | 70.6700% | 1,422 |
| Net loans and leases to deposits | 85.8180% | 1,181 |
| Net loans and leases to core deposits | 88.9294% | 1,362 |
| Total domestic deposits to total assets | 82.3500% | 3,782 |
| Equity capital to assets | 14.6881% | 483 |
| Core capital (leverage) ratio | 16.2134% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,718,857,750 | 634 |
| Average earning assets | $1,660,219,250 | 600 |
| Average equity | $260,311,500 | 434 |
| Average total loans | $1,132,015,750 | 602 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3748% | 2,504 |
| Cost of funding earning assets | 0.1749% | 3,251 |
| Net interest margin | 3.1999% | 2,187 |
| Noninterest income to average assets | 0.3019% | 3,350 |
| Noninterest expense to average assets | 2.5135% | 1,887 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6586% | 3,446 |
| Return on assets (ROA) | 0.6672% | 3,370 |
| Pretax return on assets | 0.8897% | 3,103 |
| Return on Equity (ROE) | 4.3625% | 3,943 |
| Retained earnings to average equity (ytd only) | 4.3625% | 2,942 |
| Net charge-offs to loans | 0.0009% | 2,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 1,519.8000% | 76 |
| Efficiency ratio | 74.0949% | 1,496 |
| Assets per employee ($millions) | 8.4642% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 2,094 |
| Loan loss allowance to noncurrent loans | 313.5956% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 0.2796% | 1,911 |
| Noncurrent loans to loans | 0.4210% | 1,854 |
| Net loans and leases to total assets | 62.8924% | 2,028 |
| Net loans and leases to deposits | 76.9949% | 1,611 |
| Net loans and leases to core deposits | 79.7817% | 1,730 |
| Total domestic deposits to total assets | 81.6838% | 4,053 |
| Equity capital to assets | 14.6444% | 444 |
| Core capital (leverage) ratio | 15.8905% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,729,433,000 | 624 |
| Average earning assets | $1,670,255,333 | 598 |
| Average equity | $264,479,667 | 424 |
| Average total loans | $1,107,021,000 | 604 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1933% | 2,711 |
| Cost of funding earning assets | 0.1807% | 3,077 |
| Net interest margin | 3.0126% | 2,463 |
| Noninterest income to average assets | 0.3635% | 2,918 |
| Noninterest expense to average assets | 2.5591% | 1,723 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5465% | 3,571 |
| Return on assets (ROA) | 0.5913% | 3,402 |
| Pretax return on assets | 0.7692% | 3,203 |
| Return on Equity (ROE) | 3.7852% | 3,930 |
| Retained earnings to average equity (ytd only) | 3.7852% | 3,013 |
| Net charge-offs to loans | 0.0011% | 1,801 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 1,022.6667% | 78 |
| Efficiency ratio | 78.2211% | 1,294 |
| Assets per employee ($millions) | 8.6207% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3386% | 2,170 |
| Loan loss allowance to noncurrent loans | 148.5020% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.5674% | 1,053 |
| Noncurrent loans to loans | 0.9014% | 1,025 |
| Net loans and leases to total assets | 62.1021% | 1,845 |
| Net loans and leases to deposits | 76.3975% | 1,410 |
| Net loans and leases to core deposits | 79.4375% | 1,529 |
| Total domestic deposits to total assets | 81.2881% | 4,170 |
| Equity capital to assets | 15.0694% | 387 |
| Core capital (leverage) ratio | 16.1283% | 334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,722,334,500 | 629 |
| Average earning assets | $1,662,623,000 | 604 |
| Average equity | $269,047,500 | 424 |
| Average total loans | $1,104,891,500 | 603 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3434% | 3,073 |
| Cost of funding earning assets | 0.2969% | 2,435 |
| Net interest margin | 3.0465% | 3,060 |
| Noninterest income to average assets | 0.6149% | 2,094 |
| Noninterest expense to average assets | 2.3572% | 2,630 |
| Loan and lease loss provision to assets | 0.0287% | 2,483 |
| Net operating income to assets | 0.8696% | 3,138 |
| Return on assets (ROA) | 0.9035% | 3,095 |
| Pretax return on assets | 1.2209% | 2,596 |
| Return on Equity (ROE) | 5.8901% | 3,800 |
| Retained earnings to average equity (ytd only) | 5.8901% | 2,411 |
| Net charge-offs to loans | -0.0130% | 3,822 |
| Credit loss provision to net charge-offs | -331.1258% | 3,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1394% | 2,238 |
| Assets per employee ($millions) | 8.3495% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3177% | 2,282 |
| Loan loss allowance to noncurrent loans | 135.3782% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 1,029 |
| Noncurrent loans to loans | 0.9733% | 1,026 |
| Net loans and leases to total assets | 64.5223% | 1,647 |
| Net loans and leases to deposits | 80.6354% | 1,161 |
| Net loans and leases to core deposits | 84.9875% | 1,264 |
| Total domestic deposits to total assets | 80.0174% | 4,221 |
| Equity capital to assets | 16.1851% | 362 |
| Core capital (leverage) ratio | 15.9106% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,740,043,600 | 603 |
| Average earning assets | $1,684,468,400 | 572 |
| Average equity | $266,905,400 | 423 |
| Average total loans | $1,161,861,800 | 571 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3555% | 3,229 |
| Cost of funding earning assets | 0.3155% | 2,451 |
| Net interest margin | 3.0401% | 3,206 |
| Noninterest income to average assets | 0.4449% | 2,865 |
| Noninterest expense to average assets | 2.3947% | 2,456 |
| Loan and lease loss provision to assets | 0.0381% | 2,229 |
| Net operating income to assets | 0.6878% | 3,797 |
| Return on assets (ROA) | 0.7170% | 3,792 |
| Pretax return on assets | 0.9932% | 3,482 |
| Return on Equity (ROE) | 4.7381% | 4,179 |
| Retained earnings to average equity (ytd only) | 4.7381% | 3,316 |
| Net charge-offs to loans | 0.0010% | 2,411 |
| Credit loss provision to net charge-offs | 5,555.5556% | 142 |
| Earnings coverage of net charge-offs (x) | 1,449.4444% | 104 |
| Efficiency ratio | 70.6610% | 1,530 |
| Assets per employee ($millions) | 8.5945% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 2,398 |
| Loan loss allowance to noncurrent loans | 54.4857% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.5200% | 322 |
| Noncurrent loans to loans | 2.4218% | 315 |
| Net loans and leases to total assets | 61.9110% | 2,016 |
| Net loans and leases to deposits | 78.1879% | 1,467 |
| Net loans and leases to core deposits | 82.6769% | 1,522 |
| Total domestic deposits to total assets | 79.1824% | 4,330 |
| Equity capital to assets | 15.2663% | 502 |
| Core capital (leverage) ratio | 15.4216% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,749,231,000 | 603 |
| Average earning assets | $1,694,032,250 | 576 |
| Average equity | $264,711,750 | 429 |
| Average total loans | $1,173,907,250 | 582 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3226% | 3,369 |
| Cost of funding earning assets | 0.3412% | 2,392 |
| Net interest margin | 2.9813% | 3,371 |
| Noninterest income to average assets | 0.4617% | 2,796 |
| Noninterest expense to average assets | 2.4063% | 2,440 |
| Loan and lease loss provision to assets | 0.0572% | 1,885 |
| Net operating income to assets | 0.6361% | 3,907 |
| Return on assets (ROA) | 0.6863% | 3,857 |
| Pretax return on assets | 0.9491% | 3,547 |
| Return on Equity (ROE) | 4.5486% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.5486% | 3,344 |
| Net charge-offs to loans | 0.0032% | 2,068 |
| Credit loss provision to net charge-offs | 2,631.5789% | 230 |
| Earnings coverage of net charge-offs (x) | 433.6316% | 297 |
| Efficiency ratio | 71.8508% | 1,447 |
| Assets per employee ($millions) | 8.7042% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2623% | 2,627 |
| Loan loss allowance to noncurrent loans | 53.3272% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 1.5556% | 352 |
| Noncurrent loans to loans | 2.3672% | 367 |
| Net loans and leases to total assets | 64.5269% | 1,891 |
| Net loans and leases to deposits | 82.3754% | 1,191 |
| Net loans and leases to core deposits | 87.2278% | 1,328 |
| Total domestic deposits to total assets | 78.3327% | 4,407 |
| Equity capital to assets | 15.1408% | 508 |
| Core capital (leverage) ratio | 15.2317% | 448 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,747,881,667 | 599 |
| Average earning assets | $1,692,796,000 | 574 |
| Average equity | $263,728,667 | 431 |
| Average total loans | $1,198,547,000 | 578 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3449% | 3,352 |
| Cost of funding earning assets | 0.3813% | 2,249 |
| Net interest margin | 2.9636% | 3,350 |
| Noninterest income to average assets | 0.5084% | 2,572 |
| Noninterest expense to average assets | 2.4328% | 2,390 |
| Loan and lease loss provision to assets | 0.0861% | 1,527 |
| Net operating income to assets | 0.6200% | 3,890 |
| Return on assets (ROA) | 0.6780% | 3,827 |
| Pretax return on assets | 0.9335% | 3,531 |
| Return on Equity (ROE) | 4.5016% | 4,189 |
| Retained earnings to average equity (ytd only) | 4.5016% | 3,365 |
| Net charge-offs to loans | 0.0056% | 1,705 |
| Credit loss provision to net charge-offs | 2,205.8824% | 232 |
| Earnings coverage of net charge-offs (x) | 242.4706% | 349 |
| Efficiency ratio | 71.9992% | 1,498 |
| Assets per employee ($millions) | 9.0769% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 2,949 |
| Loan loss allowance to noncurrent loans | 53.2588% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 1.5501% | 393 |
| Noncurrent loans to loans | 2.2482% | 444 |
| Net loans and leases to total assets | 67.7435% | 1,562 |
| Net loans and leases to deposits | 86.3264% | 944 |
| Net loans and leases to core deposits | 91.7308% | 1,132 |
| Total domestic deposits to total assets | 78.4736% | 4,390 |
| Equity capital to assets | 14.9334% | 505 |
| Core capital (leverage) ratio | 15.3666% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,742,699,000 | 597 |
| Average earning assets | $1,687,941,500 | 567 |
| Average equity | $262,486,500 | 426 |
| Average total loans | $1,223,296,500 | 561 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 2,760 |
| Cost of funding earning assets | 0.7658% | 1,368 |
| Net interest margin | 3.2244% | 3,288 |
| Noninterest income to average assets | 0.3679% | 3,276 |
| Noninterest expense to average assets | 2.2817% | 3,460 |
| Loan and lease loss provision to assets | 0.1245% | 2,806 |
| Net operating income to assets | 0.8153% | 3,028 |
| Return on assets (ROA) | 0.8041% | 3,193 |
| Pretax return on assets | 1.0697% | 2,814 |
| Return on Equity (ROE) | 5.3718% | 3,789 |
| Retained earnings to average equity (ytd only) | 5.3718% | 2,110 |
| Net charge-offs to loans | 0.0149% | 2,824 |
| Credit loss provision to net charge-offs | 1,107.7720% | 727 |
| Earnings coverage of net charge-offs (x) | 107.5181% | 751 |
| Efficiency ratio | 65.3798% | 2,622 |
| Assets per employee ($millions) | 8.5820% | 869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 3,329 |
| Loan loss allowance to noncurrent loans | 62.0229% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 1.3130% | 611 |
| Noncurrent loans to loans | 1.8155% | 681 |
| Net loans and leases to total assets | 71.0348% | 1,420 |
| Net loans and leases to deposits | 93.1466% | 710 |
| Net loans and leases to core deposits | 101.1532% | 852 |
| Total domestic deposits to total assets | 76.2613% | 4,494 |
| Equity capital to assets | 15.1921% | 539 |
| Core capital (leverage) ratio | 15.1691% | 484 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,717,468,000 | 551 |
| Average earning assets | $1,662,959,200 | 524 |
| Average equity | $257,101,400 | 412 |
| Average total loans | $1,299,428,400 | 510 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0751% | 2,742 |
| Cost of funding earning assets | 0.8419% | 1,300 |
| Net interest margin | 3.2332% | 3,386 |
| Noninterest income to average assets | 0.3360% | 3,469 |
| Noninterest expense to average assets | 2.2871% | 3,454 |
| Loan and lease loss provision to assets | 0.1245% | 2,779 |
| Net operating income to assets | 0.8081% | 3,059 |
| Return on assets (ROA) | 0.7705% | 3,322 |
| Pretax return on assets | 1.0078% | 3,041 |
| Return on Equity (ROE) | 5.1665% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.1665% | 2,491 |
| Net charge-offs to loans | 0.0154% | 2,574 |
| Credit loss provision to net charge-offs | 1,052.6316% | 800 |
| Earnings coverage of net charge-offs (x) | 99.7500% | 792 |
| Efficiency ratio | 65.9694% | 2,469 |
| Assets per employee ($millions) | 8.7259% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0429% | 3,505 |
| Loan loss allowance to noncurrent loans | 54.1448% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.4486% | 605 |
| Noncurrent loans to loans | 1.9261% | 649 |
| Net loans and leases to total assets | 73.9183% | 1,378 |
| Net loans and leases to deposits | 98.2460% | 613 |
| Net loans and leases to core deposits | 108.1131% | 766 |
| Total domestic deposits to total assets | 75.2379% | 4,483 |
| Equity capital to assets | 15.1286% | 608 |
| Core capital (leverage) ratio | 14.7215% | 584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,713,444,750 | 542 |
| Average earning assets | $1,659,239,500 | 517 |
| Average equity | $255,535,500 | 405 |
| Average total loans | $1,312,921,500 | 500 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1570% | 2,891 |
| Cost of funding earning assets | 0.9274% | 1,248 |
| Net interest margin | 3.2296% | 3,579 |
| Noninterest income to average assets | 0.2751% | 3,829 |
| Noninterest expense to average assets | 2.3045% | 3,503 |
| Loan and lease loss provision to assets | 0.0879% | 3,181 |
| Net operating income to assets | 0.7776% | 3,126 |
| Return on assets (ROA) | 0.7344% | 3,381 |
| Pretax return on assets | 0.9538% | 3,168 |
| Return on Equity (ROE) | 4.9489% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.9489% | 2,501 |
| Net charge-offs to loans | -0.0046% | 3,992 |
| Credit loss provision to net charge-offs | -2,500.0000% | 3,942 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7618% | 2,269 |
| Assets per employee ($millions) | 8.1875% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9528% | 3,790 |
| Loan loss allowance to noncurrent loans | 119.9086% | 2,961 |
| Noncurrent assets plus other real estate owned to assets | 0.6189% | 1,965 |
| Noncurrent loans to loans | 0.7946% | 1,904 |
| Net loans and leases to total assets | 75.9338% | 1,149 |
| Net loans and leases to deposits | 101.4181% | 470 |
| Net loans and leases to core deposits | 112.1077% | 660 |
| Total domestic deposits to total assets | 74.8721% | 4,529 |
| Equity capital to assets | 14.7331% | 679 |
| Core capital (leverage) ratio | 14.6011% | 637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,705,771,667 | 536 |
| Average earning assets | $1,650,989,000 | 508 |
| Average equity | $253,146,667 | 407 |
| Average total loans | $1,318,198,333 | 492 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 2,756 |
| Cost of funding earning assets | 1.0268% | 1,308 |
| Net interest margin | 3.3310% | 3,513 |
| Noninterest income to average assets | 0.2223% | 4,222 |
| Noninterest expense to average assets | 2.4543% | 3,409 |
| Loan and lease loss provision to assets | 0.0150% | 3,603 |
| Net operating income to assets | 0.7543% | 3,082 |
| Return on assets (ROA) | 0.6013% | 3,647 |
| Pretax return on assets | 0.7807% | 3,463 |
| Return on Equity (ROE) | 4.0361% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.0361% | 2,667 |
| Net charge-offs to loans | -0.0181% | 4,305 |
| Credit loss provision to net charge-offs | -106.7797% | 3,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2684% | 2,182 |
| Assets per employee ($millions) | 7.1633% | 1,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9417% | 3,964 |
| Loan loss allowance to noncurrent loans | 113.8472% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.6721% | 1,983 |
| Noncurrent loans to loans | 0.8272% | 1,955 |
| Net loans and leases to total assets | 76.8964% | 1,152 |
| Net loans and leases to deposits | 107.5789% | 247 |
| Net loans and leases to core deposits | 121.6847% | 419 |
| Total domestic deposits to total assets | 71.4791% | 4,795 |
| Equity capital to assets | 15.1293% | 736 |
| Core capital (leverage) ratio | 14.9298% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,678,498,500 | 527 |
| Average earning assets | $1,623,305,000 | 502 |
| Average equity | $250,045,500 | 409 |
| Average total loans | $1,302,529,500 | 478 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 3,532 |
| Cost of funding earning assets | 1.1539% | 1,148 |
| Net interest margin | 3.1510% | 4,286 |
| Noninterest income to average assets | 0.3765% | 3,445 |
| Noninterest expense to average assets | 2.3278% | 3,880 |
| Loan and lease loss provision to assets | 0.0298% | 3,418 |
| Net operating income to assets | 0.8036% | 3,541 |
| Return on assets (ROA) | 0.8206% | 3,580 |
| Pretax return on assets | 1.0829% | 3,225 |
| Return on Equity (ROE) | 5.7370% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.7370% | 2,012 |
| Net charge-offs to loans | 0.0122% | 3,251 |
| Credit loss provision to net charge-offs | 322.5806% | 862 |
| Earnings coverage of net charge-offs (x) | 117.9419% | 595 |
| Efficiency ratio | 68.0837% | 2,446 |
| Assets per employee ($millions) | 7.5020% | 861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9225% | 3,866 |
| Loan loss allowance to noncurrent loans | 65.7432% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 1,077 |
| Noncurrent loans to loans | 1.4031% | 1,043 |
| Net loans and leases to total assets | 76.8590% | 1,283 |
| Net loans and leases to deposits | 109.2878% | 203 |
| Net loans and leases to core deposits | 125.0772% | 363 |
| Total domestic deposits to total assets | 70.3272% | 4,920 |
| Equity capital to assets | 14.6672% | 875 |
| Core capital (leverage) ratio | 14.6131% | 775 |
| Tier 1 risk-based capital ratio | 18.5932% | 1,610 |
| Total risk-based capital ratio | 19.5078% | 1,655 |
| Memoranda: | ||
| Average total assets | $1,675,274,400 | 506 |
| Average earning assets | $1,617,585,400 | 478 |
| Average equity | $239,639,200 | 407 |
| Average total loans | $1,274,502,600 | 474 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2337% | 3,849 |
| Cost of funding earning assets | 1.1541% | 1,159 |
| Net interest margin | 3.0797% | 4,510 |
| Noninterest income to average assets | 0.3705% | 3,497 |
| Noninterest expense to average assets | 2.3656% | 3,777 |
| Loan and lease loss provision to assets | 0.0266% | 3,367 |
| Net operating income to assets | 0.7109% | 3,978 |
| Return on assets (ROA) | 0.7109% | 4,049 |
| Pretax return on assets | 0.9509% | 3,736 |
| Return on Equity (ROE) | 5.0021% | 4,328 |
| Retained earnings to average equity (ytd only) | 5.0021% | 2,890 |
| Net charge-offs to loans | 0.0123% | 2,923 |
| Credit loss provision to net charge-offs | 284.6154% | 987 |
| Earnings coverage of net charge-offs (x) | 104.7666% | 725 |
| Efficiency ratio | 70.7621% | 2,007 |
| Assets per employee ($millions) | 7.5915% | 815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9394% | 3,876 |
| Loan loss allowance to noncurrent loans | 61.1817% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.1845% | 1,073 |
| Noncurrent loans to loans | 1.5354% | 978 |
| Net loans and leases to total assets | 74.4401% | 1,725 |
| Net loans and leases to deposits | 106.1366% | 317 |
| Net loans and leases to core deposits | 121.9616% | 470 |
| Total domestic deposits to total assets | 70.1362% | 4,990 |
| Equity capital to assets | 14.5392% | 970 |
| Core capital (leverage) ratio | 14.2636% | 914 |
| Tier 1 risk-based capital ratio | 18.8651% | 1,593 |
| Total risk-based capital ratio | 19.8043% | 1,643 |
| Memoranda: | ||
| Average total assets | $1,672,106,500 | 508 |
| Average earning assets | $1,613,947,750 | 477 |
| Average equity | $237,655,250 | 411 |
| Average total loans | $1,265,773,750 | 479 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 3,885 |
| Cost of funding earning assets | 1.1290% | 1,200 |
| Net interest margin | 3.0860% | 4,558 |
| Noninterest income to average assets | 0.3717% | 3,453 |
| Noninterest expense to average assets | 2.3996% | 3,733 |
| Loan and lease loss provision to assets | 0.0300% | 3,217 |
| Net operating income to assets | 0.6879% | 4,042 |
| Return on assets (ROA) | 0.6879% | 4,097 |
| Pretax return on assets | 0.9213% | 3,786 |
| Return on Equity (ROE) | 4.8776% | 4,371 |
| Retained earnings to average equity (ytd only) | 4.8776% | 2,829 |
| Net charge-offs to loans | 0.0165% | 2,560 |
| Credit loss provision to net charge-offs | 240.3846% | 1,056 |
| Earnings coverage of net charge-offs (x) | 76.1635% | 845 |
| Efficiency ratio | 71.6093% | 1,975 |
| Assets per employee ($millions) | 7.5379% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9266% | 3,975 |
| Loan loss allowance to noncurrent loans | 69.7633% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0312% | 1,342 |
| Noncurrent loans to loans | 1.3282% | 1,176 |
| Net loans and leases to total assets | 74.5646% | 1,793 |
| Net loans and leases to deposits | 108.7824% | 252 |
| Net loans and leases to core deposits | 126.3908% | 382 |
| Total domestic deposits to total assets | 68.5447% | 5,090 |
| Equity capital to assets | 14.1512% | 1,069 |
| Core capital (leverage) ratio | 14.1760% | 912 |
| Tier 1 risk-based capital ratio | 18.6333% | 1,636 |
| Total risk-based capital ratio | 19.5679% | 1,680 |
| Memoranda: | ||
| Average total assets | $1,665,173,000 | 507 |
| Average earning assets | $1,607,579,330 | 474 |
| Average equity | $234,828,670 | 412 |
| Average total loans | $1,263,647,670 | 477 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2270% | 3,788 |
| Cost of funding earning assets | 1.1035% | 1,170 |
| Net interest margin | 3.1235% | 4,546 |
| Noninterest income to average assets | 0.3584% | 3,456 |
| Noninterest expense to average assets | 2.5128% | 3,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6442% | 4,111 |
| Return on assets (ROA) | 0.6442% | 4,146 |
| Pretax return on assets | 0.8586% | 3,896 |
| Return on Equity (ROE) | 4.5765% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.5765% | 3,095 |
| Net charge-offs to loans | 0.0019% | 2,693 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 588.8333% | 124 |
| Efficiency ratio | 74.5333% | 1,674 |
| Assets per employee ($millions) | 7.2766% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9333% | 4,024 |
| Loan loss allowance to noncurrent loans | 113.1937% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 0.6576% | 2,124 |
| Noncurrent loans to loans | 0.8245% | 1,996 |
| Net loans and leases to total assets | 74.7106% | 1,687 |
| Net loans and leases to deposits | 109.5852% | 225 |
| Net loans and leases to core deposits | 127.4420% | 349 |
| Total domestic deposits to total assets | 68.1758% | 5,171 |
| Equity capital to assets | 14.1010% | 1,005 |
| Core capital (leverage) ratio | 14.2562% | 878 |
| Tier 1 risk-based capital ratio | 18.9611% | 1,550 |
| Total risk-based capital ratio | 19.9124% | 1,578 |
| Memoranda: | ||
| Average total assets | $1,645,979,000 | 517 |
| Average earning assets | $1,587,692,500 | 481 |
| Average equity | $231,705,500 | 416 |
| Average total loans | $1,254,405,000 | 481 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1636% | 3,545 |
| Cost of funding earning assets | 0.8820% | 1,167 |
| Net interest margin | 3.2816% | 4,301 |
| Noninterest income to average assets | 0.3576% | 3,703 |
| Noninterest expense to average assets | 2.3837% | 3,928 |
| Loan and lease loss provision to assets | 0.0501% | 3,184 |
| Net operating income to assets | 0.8045% | 3,792 |
| Return on assets (ROA) | 0.8051% | 3,790 |
| Pretax return on assets | 1.0820% | 3,339 |
| Return on Equity (ROE) | 5.7726% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.7726% | 2,308 |
| Net charge-offs to loans | -0.0007% | 4,169 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8142% | 2,575 |
| Assets per employee ($millions) | 7.1930% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 4,009 |
| Loan loss allowance to noncurrent loans | 114.4557% | 3,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6471% | 2,103 |
| Noncurrent loans to loans | 0.8187% | 1,970 |
| Net loans and leases to total assets | 76.3043% | 1,557 |
| Net loans and leases to deposits | 114.5104% | 161 |
| Net loans and leases to core deposits | 128.8722% | 341 |
| Total domestic deposits to total assets | 66.6352% | 5,236 |
| Equity capital to assets | 14.0525% | 954 |
| Core capital (leverage) ratio | 14.3599% | 830 |
| Tier 1 risk-based capital ratio | 18.8186% | 1,544 |
| Total risk-based capital ratio | 19.7740% | 1,565 |
| Memoranda: | ||
| Average total assets | $1,596,485,600 | 517 |
| Average earning assets | $1,536,097,000 | 486 |
| Average equity | $222,654,600 | 416 |
| Average total loans | $1,212,681,000 | 480 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1091% | 3,606 |
| Cost of funding earning assets | 0.8447% | 1,136 |
| Net interest margin | 3.2644% | 4,369 |
| Noninterest income to average assets | 0.3845% | 3,571 |
| Noninterest expense to average assets | 2.3597% | 3,949 |
| Loan and lease loss provision to assets | 0.0419% | 3,150 |
| Net operating income to assets | 0.8356% | 3,795 |
| Return on assets (ROA) | 0.8364% | 3,799 |
| Pretax return on assets | 1.1241% | 3,300 |
| Return on Equity (ROE) | 6.0087% | 4,264 |
| Retained earnings to average equity (ytd only) | 6.0087% | 2,652 |
| Net charge-offs to loans | -0.0061% | 4,262 |
| Credit loss provision to net charge-offs | -909.0909% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9475% | 2,719 |
| Assets per employee ($millions) | 7.0882% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 4,093 |
| Loan loss allowance to noncurrent loans | 116.7718% | 3,195 |
| Noncurrent assets plus other real estate owned to assets | 0.6325% | 2,287 |
| Noncurrent loans to loans | 0.8042% | 2,101 |
| Net loans and leases to total assets | 75.9384% | 1,669 |
| Net loans and leases to deposits | 112.9405% | 209 |
| Net loans and leases to core deposits | 123.8486% | 465 |
| Total domestic deposits to total assets | 67.2376% | 5,300 |
| Equity capital to assets | 13.9868% | 964 |
| Core capital (leverage) ratio | 14.2934% | 865 |
| Tier 1 risk-based capital ratio | 18.8320% | 1,578 |
| Total risk-based capital ratio | 19.7793% | 1,615 |
| Memoranda: | ||
| Average total assets | $1,589,200,750 | 511 |
| Average earning assets | $1,528,744,750 | 485 |
| Average equity | $221,208,000 | 418 |
| Average total loans | $1,202,812,500 | 479 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0422% | 3,644 |
| Cost of funding earning assets | 0.8121% | 1,076 |
| Net interest margin | 3.2301% | 4,437 |
| Noninterest income to average assets | 0.3888% | 3,563 |
| Noninterest expense to average assets | 2.3523% | 4,017 |
| Loan and lease loss provision to assets | 0.0252% | 3,414 |
| Net operating income to assets | 0.8345% | 3,737 |
| Return on assets (ROA) | 0.8345% | 3,743 |
| Pretax return on assets | 1.1189% | 3,239 |
| Return on Equity (ROE) | 6.0049% | 4,240 |
| Retained earnings to average equity (ytd only) | 6.0049% | 2,559 |
| Net charge-offs to loans | -0.0089% | 4,280 |
| Credit loss provision to net charge-offs | -377.3585% | 4,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2781% | 2,765 |
| Assets per employee ($millions) | 7.1700% | 868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 4,272 |
| Loan loss allowance to noncurrent loans | 117.9593% | 3,166 |
| Noncurrent assets plus other real estate owned to assets | 0.6087% | 2,399 |
| Noncurrent loans to loans | 0.7753% | 2,185 |
| Net loans and leases to total assets | 75.7469% | 1,677 |
| Net loans and leases to deposits | 113.3494% | 208 |
| Net loans and leases to core deposits | 123.0254% | 487 |
| Total domestic deposits to total assets | 66.8260% | 5,368 |
| Equity capital to assets | 13.8471% | 971 |
| Core capital (leverage) ratio | 14.2172% | 845 |
| Tier 1 risk-based capital ratio | 18.5449% | 1,665 |
| Total risk-based capital ratio | 19.4667% | 1,701 |
| Memoranda: | ||
| Average total assets | $1,587,316,000 | 510 |
| Average earning assets | $1,527,073,330 | 484 |
| Average equity | $220,587,670 | 419 |
| Average total loans | $1,196,220,330 | 479 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0018% | 3,600 |
| Cost of funding earning assets | 0.8036% | 936 |
| Net interest margin | 3.1982% | 4,465 |
| Noninterest income to average assets | 0.4118% | 3,384 |
| Noninterest expense to average assets | 2.3825% | 3,997 |
| Loan and lease loss provision to assets | 0.0506% | 2,765 |
| Net operating income to assets | 0.7833% | 3,778 |
| Return on assets (ROA) | 0.7833% | 3,778 |
| Pretax return on assets | 1.0560% | 3,331 |
| Return on Equity (ROE) | 5.6263% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.6263% | 2,881 |
| Net charge-offs to loans | -0.0020% | 3,813 |
| Credit loss provision to net charge-offs | -3,333.3333% | 4,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2856% | 2,787 |
| Assets per employee ($millions) | 7.2264% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,267 |
| Loan loss allowance to noncurrent loans | 108.6473% | 3,303 |
| Noncurrent assets plus other real estate owned to assets | 0.6667% | 2,325 |
| Noncurrent loans to loans | 0.8633% | 2,093 |
| Net loans and leases to total assets | 74.6308% | 1,767 |
| Net loans and leases to deposits | 110.9960% | 226 |
| Net loans and leases to core deposits | 123.3239% | 492 |
| Total domestic deposits to total assets | 67.2374% | 5,440 |
| Equity capital to assets | 13.9309% | 908 |
| Core capital (leverage) ratio | 14.1178% | 851 |
| Tier 1 risk-based capital ratio | 18.7482% | 1,617 |
| Total risk-based capital ratio | 19.6909% | 1,672 |
| Memoranda: | ||
| Average total assets | $1,581,514,000 | 522 |
| Average earning assets | $1,521,714,000 | 486 |
| Average equity | $220,179,500 | 423 |
| Average total loans | $1,183,174,500 | 486 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9946% | 3,419 |
| Cost of funding earning assets | 0.7713% | 731 |
| Net interest margin | 3.2234% | 4,379 |
| Noninterest income to average assets | 0.3991% | 3,639 |
| Noninterest expense to average assets | 2.3694% | 4,156 |
| Loan and lease loss provision to assets | 0.0631% | 2,969 |
| Net operating income to assets | 0.5854% | 4,078 |
| Return on assets (ROA) | 0.7011% | 3,656 |
| Pretax return on assets | 1.2508% | 2,550 |
| Return on Equity (ROE) | 4.9008% | 4,204 |
| Retained earnings to average equity (ytd only) | 4.9008% | 2,189 |
| Net charge-offs to loans | -0.0093% | 4,775 |
| Credit loss provision to net charge-offs | -914.2857% | 5,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6479% | 2,970 |
| Assets per employee ($millions) | 7.3165% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9264% | 4,336 |
| Loan loss allowance to noncurrent loans | 101.4766% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 0.7032% | 2,215 |
| Noncurrent loans to loans | 0.9129% | 1,960 |
| Net loans and leases to total assets | 73.6039% | 1,985 |
| Net loans and leases to deposits | 113.9867% | 181 |
| Net loans and leases to core deposits | 127.1312% | 408 |
| Total domestic deposits to total assets | 64.5724% | 5,545 |
| Equity capital to assets | 13.9133% | 937 |
| Core capital (leverage) ratio | 13.9996% | 834 |
| Tier 1 risk-based capital ratio | 18.6584% | 1,601 |
| Total risk-based capital ratio | 19.5924% | 1,653 |
| Memoranda: | ||
| Average total assets | $1,521,795,600 | 512 |
| Average earning assets | $1,465,136,800 | 485 |
| Average equity | $217,701,000 | 411 |
| Average total loans | $1,126,458,600 | 484 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9853% | 3,400 |
| Cost of funding earning assets | 0.7508% | 757 |
| Net interest margin | 3.2345% | 4,376 |
| Noninterest income to average assets | 0.3982% | 3,697 |
| Noninterest expense to average assets | 2.4383% | 3,921 |
| Loan and lease loss provision to assets | 0.0531% | 3,039 |
| Net operating income to assets | 0.6593% | 4,162 |
| Return on assets (ROA) | 0.8152% | 3,507 |
| Pretax return on assets | 1.2664% | 2,639 |
| Return on Equity (ROE) | 5.6577% | 4,268 |
| Retained earnings to average equity (ytd only) | 5.6577% | 2,458 |
| Net charge-offs to loans | 0.0218% | 3,034 |
| Credit loss provision to net charge-offs | 329.6703% | 910 |
| Earnings coverage of net charge-offs (x) | 66.7474% | 933 |
| Efficiency ratio | 69.3828% | 2,636 |
| Assets per employee ($millions) | 6.9600% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 4,623 |
| Loan loss allowance to noncurrent loans | 86.0395% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 0.8019% | 2,140 |
| Noncurrent loans to loans | 1.0291% | 1,883 |
| Net loans and leases to total assets | 74.4760% | 1,842 |
| Net loans and leases to deposits | 108.8608% | 311 |
| Net loans and leases to core deposits | 122.5451% | 502 |
| Total domestic deposits to total assets | 68.4140% | 5,525 |
| Equity capital to assets | 14.3361% | 899 |
| Core capital (leverage) ratio | 14.3326% | 809 |
| Tier 1 risk-based capital ratio | 18.9760% | 1,591 |
| Total risk-based capital ratio | 19.8732% | 1,647 |
| Memoranda: | ||
| Average total assets | $1,505,326,000 | 519 |
| Average earning assets | $1,450,185,750 | 494 |
| Average equity | $216,901,750 | 414 |
| Average total loans | $1,113,194,000 | 490 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9357% | 3,430 |
| Cost of funding earning assets | 0.7356% | 739 |
| Net interest margin | 3.2002% | 4,423 |
| Noninterest income to average assets | 0.3968% | 3,712 |
| Noninterest expense to average assets | 2.5027% | 3,740 |
| Loan and lease loss provision to assets | 0.0322% | 3,353 |
| Net operating income to assets | 0.5919% | 4,346 |
| Return on assets (ROA) | 0.8278% | 3,311 |
| Pretax return on assets | 1.3119% | 2,344 |
| Return on Equity (ROE) | 5.7354% | 4,164 |
| Retained earnings to average equity (ytd only) | 5.7354% | 2,271 |
| Net charge-offs to loans | 0.0179% | 2,890 |
| Credit loss provision to net charge-offs | 244.8980% | 1,100 |
| Earnings coverage of net charge-offs (x) | 74.2551% | 809 |
| Efficiency ratio | 71.9554% | 2,343 |
| Assets per employee ($millions) | 6.7453% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 4,685 |
| Loan loss allowance to noncurrent loans | 73.6346% | 4,105 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 1,866 |
| Noncurrent loans to loans | 1.2073% | 1,615 |
| Net loans and leases to total assets | 73.8128% | 1,904 |
| Net loans and leases to deposits | 105.5136% | 415 |
| Net loans and leases to core deposits | 119.6203% | 571 |
| Total domestic deposits to total assets | 69.9557% | 5,536 |
| Equity capital to assets | 14.4594% | 839 |
| Core capital (leverage) ratio | 14.4646% | 750 |
| Tier 1 risk-based capital ratio | 19.1171% | 1,576 |
| Total risk-based capital ratio | 20.0092% | 1,609 |
| Memoranda: | ||
| Average total assets | $1,492,062,670 | 524 |
| Average earning assets | $1,436,676,670 | 499 |
| Average equity | $215,365,670 | 416 |
| Average total loans | $1,097,251,670 | 493 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9181% | 3,331 |
| Cost of funding earning assets | 0.7409% | 691 |
| Net interest margin | 3.1771% | 4,414 |
| Noninterest income to average assets | 0.4538% | 3,289 |
| Noninterest expense to average assets | 2.5118% | 3,774 |
| Loan and lease loss provision to assets | 0.0648% | 2,503 |
| Net operating income to assets | 0.5333% | 4,451 |
| Return on assets (ROA) | 1.0036% | 2,337 |
| Pretax return on assets | 1.6697% | 1,070 |
| Return on Equity (ROE) | 6.9594% | 3,416 |
| Retained earnings to average equity (ytd only) | 6.9594% | 1,863 |
| Net charge-offs to loans | 0.0284% | 2,183 |
| Credit loss provision to net charge-offs | 311.6883% | 765 |
| Earnings coverage of net charge-offs (x) | 48.1169% | 924 |
| Efficiency ratio | 71.5328% | 2,658 |
| Assets per employee ($millions) | 6.6659% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9185% | 4,683 |
| Loan loss allowance to noncurrent loans | 64.8154% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.0583% | 1,699 |
| Noncurrent loans to loans | 1.4171% | 1,426 |
| Net loans and leases to total assets | 72.1040% | 2,060 |
| Net loans and leases to deposits | 100.7218% | 570 |
| Net loans and leases to core deposits | 116.6050% | 572 |
| Total domestic deposits to total assets | 71.5873% | 5,565 |
| Equity capital to assets | 14.3775% | 791 |
| Core capital (leverage) ratio | 14.4168% | 740 |
| Tier 1 risk-based capital ratio | 19.4479% | 1,503 |
| Total risk-based capital ratio | 20.3678% | 1,547 |
| Memoranda: | ||
| Average total assets | $1,482,618,500 | 526 |
| Average earning assets | $1,426,818,500 | 504 |
| Average equity | $213,811,500 | 421 |
| Average total loans | $1,083,238,000 | 495 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 3,177 |
| Cost of funding earning assets | 0.7706% | 575 |
| Net interest margin | 3.2352% | 4,346 |
| Noninterest income to average assets | 0.4049% | 3,838 |
| Noninterest expense to average assets | 2.3908% | 4,321 |
| Loan and lease loss provision to assets | 0.1111% | 2,209 |
| Net operating income to assets | 0.6544% | 3,980 |
| Return on assets (ROA) | 0.6631% | 4,055 |
| Pretax return on assets | 1.0320% | 3,357 |
| Return on Equity (ROE) | 4.5054% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.5054% | 2,695 |
| Net charge-offs to loans | 0.0669% | 2,738 |
| Credit loss provision to net charge-offs | 231.4949% | 1,244 |
| Earnings coverage of net charge-offs (x) | 23.5298% | 1,677 |
| Efficiency ratio | 67.9129% | 3,251 |
| Assets per employee ($millions) | 6.6009% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,709 |
| Loan loss allowance to noncurrent loans | 65.2594% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.0951% | 1,709 |
| Noncurrent loans to loans | 1.4057% | 1,448 |
| Net loans and leases to total assets | 72.6864% | 2,066 |
| Net loans and leases to deposits | 102.2030% | 525 |
| Net loans and leases to core deposits | 120.6952% | 463 |
| Total domestic deposits to total assets | 71.1196% | 5,608 |
| Equity capital to assets | 14.4659% | 741 |
| Core capital (leverage) ratio | 14.2605% | 745 |
| Tier 1 risk-based capital ratio | 19.2303% | 1,540 |
| Total risk-based capital ratio | 20.1412% | 1,592 |
| Memoranda: | ||
| Average total assets | $1,435,232,800 | 522 |
| Average earning assets | $1,382,108,400 | 503 |
| Average equity | $211,236,600 | 415 |
| Average total loans | $1,030,594,200 | 496 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0095% | 3,200 |
| Cost of funding earning assets | 0.7688% | 580 |
| Net interest margin | 3.2408% | 4,374 |
| Noninterest income to average assets | 0.3895% | 3,996 |
| Noninterest expense to average assets | 2.3737% | 4,342 |
| Loan and lease loss provision to assets | 0.1013% | 2,218 |
| Net operating income to assets | 0.6389% | 4,127 |
| Return on assets (ROA) | 0.6505% | 4,204 |
| Pretax return on assets | 1.0538% | 3,416 |
| Return on Equity (ROE) | 4.4001% | 4,759 |
| Retained earnings to average equity (ytd only) | 4.4001% | 3,206 |
| Net charge-offs to loans | 0.0640% | 2,436 |
| Credit loss provision to net charge-offs | 221.8814% | 1,329 |
| Earnings coverage of net charge-offs (x) | 24.8979% | 1,652 |
| Efficiency ratio | 67.6128% | 3,298 |
| Assets per employee ($millions) | 6.8539% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 4,866 |
| Loan loss allowance to noncurrent loans | 62.0501% | 4,452 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 1,820 |
| Noncurrent loans to loans | 1.4524% | 1,493 |
| Net loans and leases to total assets | 71.2759% | 2,303 |
| Net loans and leases to deposits | 100.3745% | 684 |
| Net loans and leases to core deposits | 118.7395% | 548 |
| Total domestic deposits to total assets | 71.0099% | 5,642 |
| Equity capital to assets | 14.5962% | 843 |
| Core capital (leverage) ratio | 14.2849% | 776 |
| Tier 1 risk-based capital ratio | 19.3069% | 1,599 |
| Total risk-based capital ratio | 20.2036% | 1,645 |
| Memoranda: | ||
| Average total assets | $1,427,688,750 | 528 |
| Average earning assets | $1,374,994,250 | 506 |
| Average equity | $211,049,500 | 414 |
| Average total loans | $1,019,489,000 | 504 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 3,147 |
| Cost of funding earning assets | 0.7649% | 589 |
| Net interest margin | 3.2636% | 4,337 |
| Noninterest income to average assets | 0.3758% | 4,059 |
| Noninterest expense to average assets | 2.3916% | 4,360 |
| Loan and lease loss provision to assets | 0.1027% | 2,130 |
| Net operating income to assets | 0.6255% | 4,165 |
| Return on assets (ROA) | 0.6344% | 4,264 |
| Pretax return on assets | 1.0367% | 3,453 |
| Return on Equity (ROE) | 4.2727% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.2727% | 3,195 |
| Net charge-offs to loans | 0.0781% | 2,077 |
| Credit loss provision to net charge-offs | 184.4784% | 1,374 |
| Earnings coverage of net charge-offs (x) | 20.2239% | 1,736 |
| Efficiency ratio | 67.9994% | 3,347 |
| Assets per employee ($millions) | 7.4849% | 704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9003% | 4,956 |
| Loan loss allowance to noncurrent loans | 63.0782% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 1,886 |
| Noncurrent loans to loans | 1.4273% | 1,554 |
| Net loans and leases to total assets | 71.1321% | 2,312 |
| Net loans and leases to deposits | 99.1816% | 769 |
| Net loans and leases to core deposits | 117.5973% | 588 |
| Total domestic deposits to total assets | 71.7191% | 5,681 |
| Equity capital to assets | 14.8810% | 759 |
| Core capital (leverage) ratio | 14.3877% | 731 |
| Tier 1 risk-based capital ratio | 19.5595% | 1,551 |
| Total risk-based capital ratio | 20.4535% | 1,614 |
| Memoranda: | ||
| Average total assets | $1,412,385,670 | 533 |
| Average earning assets | $1,359,428,670 | 511 |
| Average equity | $209,702,670 | 415 |
| Average total loans | $1,006,028,000 | 510 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0068% | 3,207 |
| Cost of funding earning assets | 0.7576% | 611 |
| Net interest margin | 3.2492% | 4,402 |
| Noninterest income to average assets | 0.3828% | 3,966 |
| Noninterest expense to average assets | 2.4239% | 4,303 |
| Loan and lease loss provision to assets | 0.1043% | 1,964 |
| Net operating income to assets | 0.6032% | 4,165 |
| Return on assets (ROA) | 0.6211% | 4,206 |
| Pretax return on assets | 1.0074% | 3,452 |
| Return on Equity (ROE) | 4.1883% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.1883% | 3,388 |
| Net charge-offs to loans | 0.0604% | 1,902 |
| Credit loss provision to net charge-offs | 243.3333% | 960 |
| Earnings coverage of net charge-offs (x) | 25.2867% | 1,299 |
| Efficiency ratio | 69.1048% | 3,281 |
| Assets per employee ($millions) | 7.1006% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9175% | 4,997 |
| Loan loss allowance to noncurrent loans | 56.6049% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 1.2114% | 1,799 |
| Noncurrent loans to loans | 1.6208% | 1,422 |
| Net loans and leases to total assets | 70.4384% | 2,275 |
| Net loans and leases to deposits | 98.7406% | 706 |
| Net loans and leases to core deposits | 114.7084% | 640 |
| Total domestic deposits to total assets | 71.3368% | 5,808 |
| Equity capital to assets | 14.9467% | 705 |
| Core capital (leverage) ratio | 14.4579% | 705 |
| Tier 1 risk-based capital ratio | 20.1179% | 1,474 |
| Total risk-based capital ratio | 21.0363% | 1,515 |
| Memoranda: | ||
| Average total assets | $1,400,029,000 | 538 |
| Average earning assets | $1,346,409,500 | 514 |
| Average equity | $207,626,500 | 414 |
| Average total loans | $993,279,000 | 512 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0584% | 3,081 |
| Cost of funding earning assets | 0.8259% | 430 |
| Net interest margin | 3.2324% | 4,526 |
| Noninterest income to average assets | 0.3837% | 4,158 |
| Noninterest expense to average assets | 2.7119% | 3,539 |
| Loan and lease loss provision to assets | 0.0404% | 3,530 |
| Net operating income to assets | 0.4607% | 4,843 |
| Return on assets (ROA) | 0.4713% | 4,887 |
| Pretax return on assets | 0.7418% | 4,396 |
| Return on Equity (ROE) | 3.2425% | 5,215 |
| Retained earnings to average equity (ytd only) | 3.2425% | 3,743 |
| Net charge-offs to loans | 0.0641% | 2,942 |
| Credit loss provision to net charge-offs | 92.2570% | 2,718 |
| Earnings coverage of net charge-offs (x) | 17.4942% | 2,071 |
| Efficiency ratio | 77.9853% | 1,973 |
| Assets per employee ($millions) | 6.9707% | 901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9072% | 5,058 |
| Loan loss allowance to noncurrent loans | 49.9721% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 1.3273% | 1,602 |
| Noncurrent loans to loans | 1.8155% | 1,202 |
| Net loans and leases to total assets | 70.1599% | 2,342 |
| Net loans and leases to deposits | 99.0701% | 747 |
| Net loans and leases to core deposits | 112.0437% | 768 |
| Total domestic deposits to total assets | 70.8184% | 5,859 |
| Equity capital to assets | 14.7126% | 726 |
| Core capital (leverage) ratio | 14.5003% | 713 |
| Tier 1 risk-based capital ratio | 20.1569% | 1,451 |
| Total risk-based capital ratio | 21.0653% | 1,487 |
| Memoranda: | ||
| Average total assets | $1,387,104,200 | 516 |
| Average earning assets | $1,327,574,200 | 491 |
| Average equity | $201,637,200 | 412 |
| Average total loans | $946,547,200 | 509 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0933% | 2,970 |
| Cost of funding earning assets | 0.8469% | 381 |
| Net interest margin | 3.2464% | 4,539 |
| Noninterest income to average assets | 0.3736% | 4,262 |
| Noninterest expense to average assets | 2.7362% | 3,443 |
| Loan and lease loss provision to assets | 0.0217% | 3,840 |
| Net operating income to assets | 0.4544% | 4,958 |
| Return on assets (ROA) | 0.4678% | 5,004 |
| Pretax return on assets | 0.7412% | 4,531 |
| Return on Equity (ROE) | 3.2282% | 5,305 |
| Retained earnings to average equity (ytd only) | 3.2282% | 4,164 |
| Net charge-offs to loans | 0.0579% | 2,771 |
| Credit loss provision to net charge-offs | 55.2826% | 2,973 |
| Earnings coverage of net charge-offs (x) | 18.9387% | 1,973 |
| Efficiency ratio | 78.6707% | 1,864 |
| Assets per employee ($millions) | 6.8736% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 5,154 |
| Loan loss allowance to noncurrent loans | 43.7934% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.5030% | 1,499 |
| Noncurrent loans to loans | 2.0855% | 1,095 |
| Net loans and leases to total assets | 69.2589% | 2,495 |
| Net loans and leases to deposits | 97.8292% | 827 |
| Net loans and leases to core deposits | 110.5634% | 848 |
| Total domestic deposits to total assets | 70.7957% | 5,938 |
| Equity capital to assets | 14.6965% | 807 |
| Core capital (leverage) ratio | 14.4668% | 747 |
| Tier 1 risk-based capital ratio | 20.2204% | 1,502 |
| Total risk-based capital ratio | 21.1256% | 1,540 |
| Memoranda: | ||
| Average total assets | $1,385,346,250 | 516 |
| Average earning assets | $1,324,757,000 | 491 |
| Average equity | $200,768,000 | 415 |
| Average total loans | $936,414,250 | 515 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 2,662 |
| Cost of funding earning assets | 0.8699% | 336 |
| Net interest margin | 3.2953% | 4,317 |
| Noninterest income to average assets | 0.3502% | 4,454 |
| Noninterest expense to average assets | 2.8083% | 3,198 |
| Loan and lease loss provision to assets | 0.0108% | 3,891 |
| Net operating income to assets | 0.4295% | 5,038 |
| Return on assets (ROA) | 0.4497% | 5,073 |
| Pretax return on assets | 0.7098% | 4,626 |
| Return on Equity (ROE) | 3.1179% | 5,372 |
| Retained earnings to average equity (ytd only) | 3.1179% | 4,064 |
| Net charge-offs to loans | 0.0807% | 2,247 |
| Credit loss provision to net charge-offs | 20.0535% | 3,018 |
| Earnings coverage of net charge-offs (x) | 12.7727% | 2,179 |
| Efficiency ratio | 80.2986% | 1,715 |
| Assets per employee ($millions) | 6.4920% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9163% | 5,237 |
| Loan loss allowance to noncurrent loans | 41.3130% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 1.7162% | 1,382 |
| Noncurrent loans to loans | 2.2180% | 1,077 |
| Net loans and leases to total assets | 68.7008% | 2,534 |
| Net loans and leases to deposits | 96.0823% | 958 |
| Net loans and leases to core deposits | 108.2928% | 935 |
| Total domestic deposits to total assets | 71.5020% | 5,955 |
| Equity capital to assets | 14.6105% | 796 |
| Core capital (leverage) ratio | 14.4018% | 735 |
| Tier 1 risk-based capital ratio | 20.5427% | 1,442 |
| Total risk-based capital ratio | 21.4583% | 1,481 |
| Memoranda: | ||
| Average total assets | $1,386,595,670 | 513 |
| Average earning assets | $1,324,260,330 | 492 |
| Average equity | $200,008,330 | 420 |
| Average total loans | $926,652,670 | 512 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 1,694 |
| Cost of funding earning assets | 0.9019% | 287 |
| Net interest margin | 3.5181% | 3,352 |
| Noninterest income to average assets | 0.3541% | 4,366 |
| Noninterest expense to average assets | 3.0389% | 2,457 |
| Loan and lease loss provision to assets | 0.0215% | 3,435 |
| Net operating income to assets | 0.4236% | 4,978 |
| Return on assets (ROA) | 0.4376% | 5,038 |
| Pretax return on assets | 0.6753% | 4,673 |
| Return on Equity (ROE) | 3.0528% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.0528% | 4,148 |
| Net charge-offs to loans | 0.0310% | 2,566 |
| Credit loss provision to net charge-offs | 105.6338% | 1,549 |
| Earnings coverage of net charge-offs (x) | 33.1690% | 1,085 |
| Efficiency ratio | 81.8189% | 1,643 |
| Assets per employee ($millions) | 6.5441% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 5,039 |
| Loan loss allowance to noncurrent loans | 38.8608% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 1,452 |
| Noncurrent loans to loans | 2.5684% | 937 |
| Net loans and leases to total assets | 64.6947% | 2,989 |
| Net loans and leases to deposits | 92.5327% | 1,129 |
| Net loans and leases to core deposits | 105.9696% | 940 |
| Total domestic deposits to total assets | 69.9155% | 6,132 |
| Equity capital to assets | 14.5714% | 812 |
| Core capital (leverage) ratio | 14.1139% | 790 |
| Tier 1 risk-based capital ratio | 20.7841% | 1,460 |
| Total risk-based capital ratio | 21.7505% | 1,493 |
| Memoranda: | ||
| Average total assets | $1,394,991,000 | 512 |
| Average earning assets | $1,332,293,000 | 489 |
| Average equity | $199,945,000 | 420 |
| Average total loans | $915,094,000 | 515 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0427% | 3,548 |
| Cost of funding earning assets | 0.9659% | 269 |
| Net interest margin | 3.0768% | 5,260 |
| Noninterest income to average assets | 0.3524% | 4,585 |
| Noninterest expense to average assets | 2.4696% | 4,640 |
| Loan and lease loss provision to assets | 0.0648% | 3,210 |
| Net operating income to assets | 0.5023% | 4,802 |
| Return on assets (ROA) | 0.5115% | 4,852 |
| Pretax return on assets | 0.7672% | 4,373 |
| Return on Equity (ROE) | 3.6064% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.6064% | 3,649 |
| Net charge-offs to loans | 0.0824% | 3,324 |
| Credit loss provision to net charge-offs | 122.1167% | 1,965 |
| Earnings coverage of net charge-offs (x) | 15.4193% | 2,081 |
| Efficiency ratio | 75.1106% | 2,649 |
| Assets per employee ($millions) | 6.3477% | 1,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 5,198 |
| Loan loss allowance to noncurrent loans | 37.1799% | 5,449 |
| Noncurrent assets plus other real estate owned to assets | 1.7515% | 1,512 |
| Noncurrent loans to loans | 2.6094% | 952 |
| Net loans and leases to total assets | 65.2063% | 3,021 |
| Net loans and leases to deposits | 97.9425% | 764 |
| Net loans and leases to core deposits | 112.6203% | 664 |
| Total domestic deposits to total assets | 66.5761% | 6,312 |
| Equity capital to assets | 14.0995% | 923 |
| Core capital (leverage) ratio | 13.9445% | 829 |
| Tier 1 risk-based capital ratio | 19.8054% | 1,637 |
| Total risk-based capital ratio | 20.7791% | 1,685 |
| Memoranda: | ||
| Average total assets | $1,388,658,000 | 501 |
| Average earning assets | $1,324,921,600 | 479 |
| Average equity | $196,958,000 | 411 |
| Average total loans | $894,133,600 | 500 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0519% | 3,550 |
| Cost of funding earning assets | 0.9662% | 285 |
| Net interest margin | 3.0857% | 5,296 |
| Noninterest income to average assets | 0.3340% | 4,767 |
| Noninterest expense to average assets | 2.5158% | 4,477 |
| Loan and lease loss provision to assets | 0.0675% | 2,998 |
| Net operating income to assets | 0.4642% | 5,021 |
| Return on assets (ROA) | 0.4642% | 5,098 |
| Pretax return on assets | 0.6913% | 4,726 |
| Return on Equity (ROE) | 3.2680% | 5,443 |
| Retained earnings to average equity (ytd only) | 3.2680% | 4,298 |
| Net charge-offs to loans | 0.1034% | 2,762 |
| Credit loss provision to net charge-offs | 101.8923% | 2,163 |
| Earnings coverage of net charge-offs (x) | 11.4599% | 2,424 |
| Efficiency ratio | 76.8298% | 2,370 |
| Assets per employee ($millions) | 6.1722% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 5,350 |
| Loan loss allowance to noncurrent loans | 34.9040% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 1.8982% | 1,547 |
| Noncurrent loans to loans | 2.7742% | 1,008 |
| Net loans and leases to total assets | 64.9028% | 3,040 |
| Net loans and leases to deposits | 95.7817% | 901 |
| Net loans and leases to core deposits | 110.0293% | 744 |
| Total domestic deposits to total assets | 67.7612% | 6,359 |
| Equity capital to assets | 14.3928% | 882 |
| Core capital (leverage) ratio | 13.8575% | 880 |
| Tier 1 risk-based capital ratio | 19.6664% | 1,741 |
| Total risk-based capital ratio | 20.6324% | 1,781 |
| Memoranda: | ||
| Average total assets | $1,383,527,250 | 502 |
| Average earning assets | $1,318,435,000 | 478 |
| Average equity | $196,525,500 | 408 |
| Average total loans | $885,697,750 | 499 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0631% | 3,489 |
| Cost of funding earning assets | 0.9639% | 300 |
| Net interest margin | 3.0991% | 5,255 |
| Noninterest income to average assets | 0.3531% | 4,600 |
| Noninterest expense to average assets | 2.5750% | 4,331 |
| Loan and lease loss provision to assets | 0.0580% | 3,131 |
| Net operating income to assets | 0.4483% | 5,022 |
| Return on assets (ROA) | 0.4483% | 5,100 |
| Pretax return on assets | 0.6638% | 4,755 |
| Return on Equity (ROE) | 3.1705% | 5,470 |
| Retained earnings to average equity (ytd only) | 3.1705% | 4,184 |
| Net charge-offs to loans | 0.1091% | 2,576 |
| Credit loss provision to net charge-offs | 83.6820% | 2,282 |
| Earnings coverage of net charge-offs (x) | 10.4163% | 2,251 |
| Efficiency ratio | 78.1075% | 2,277 |
| Assets per employee ($millions) | 6.2165% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 5,350 |
| Loan loss allowance to noncurrent loans | 36.9475% | 5,593 |
| Noncurrent assets plus other real estate owned to assets | 1.8161% | 1,784 |
| Noncurrent loans to loans | 2.7076% | 1,122 |
| Net loans and leases to total assets | 62.8229% | 3,271 |
| Net loans and leases to deposits | 92.1318% | 1,133 |
| Net loans and leases to core deposits | 105.7095% | 910 |
| Total domestic deposits to total assets | 68.1881% | 6,417 |
| Equity capital to assets | 14.4415% | 836 |
| Core capital (leverage) ratio | 13.7665% | 893 |
| Tier 1 risk-based capital ratio | 20.2053% | 1,637 |
| Total risk-based capital ratio | 21.2031% | 1,669 |
| Memoranda: | ||
| Average total assets | $1,379,734,330 | 504 |
| Average earning assets | $1,310,489,000 | 479 |
| Average equity | $195,112,000 | 406 |
| Average total loans | $876,202,000 | 500 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 3,179 |
| Cost of funding earning assets | 0.9660% | 313 |
| Net interest margin | 3.1610% | 5,052 |
| Noninterest income to average assets | 0.4630% | 3,685 |
| Noninterest expense to average assets | 2.5362% | 4,494 |
| Loan and lease loss provision to assets | 0.0870% | 2,466 |
| Net operating income to assets | 0.5584% | 4,419 |
| Return on assets (ROA) | 0.5584% | 4,498 |
| Pretax return on assets | 0.8408% | 3,936 |
| Return on Equity (ROE) | 3.9914% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.9914% | 3,720 |
| Net charge-offs to loans | 0.0493% | 2,694 |
| Credit loss provision to net charge-offs | 277.7778% | 833 |
| Earnings coverage of net charge-offs (x) | 29.6296% | 1,061 |
| Efficiency ratio | 73.2150% | 3,275 |
| Assets per employee ($millions) | 6.1068% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 5,342 |
| Loan loss allowance to noncurrent loans | 39.1732% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 1.7725% | 1,985 |
| Noncurrent loans to loans | 2.6607% | 1,281 |
| Net loans and leases to total assets | 62.4036% | 3,171 |
| Net loans and leases to deposits | 91.1795% | 1,021 |
| Net loans and leases to core deposits | 103.8900% | 864 |
| Total domestic deposits to total assets | 68.4404% | 6,502 |
| Equity capital to assets | 14.2014% | 860 |
| Core capital (leverage) ratio | 13.9090% | 851 |
| Tier 1 risk-based capital ratio | 20.2564% | 1,657 |
| Total risk-based capital ratio | 21.2827% | 1,679 |
| Memoranda: | ||
| Average total assets | $1,379,566,500 | 500 |
| Average earning assets | $1,309,694,000 | 476 |
| Average equity | $193,016,500 | 410 |
| Average total loans | $876,422,500 | 495 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0589% | 3,886 |
| Cost of funding earning assets | 1.0144% | 414 |
| Net interest margin | 3.0445% | 5,460 |
| Noninterest income to average assets | 0.4214% | 4,288 |
| Noninterest expense to average assets | 3.3320% | 2,048 |
| Loan and lease loss provision to assets | 0.1118% | 2,942 |
| Net operating income to assets | -0.0828% | 6,287 |
| Return on assets (ROA) | 0.3585% | 5,417 |
| Pretax return on assets | 0.5293% | 5,105 |
| Return on Equity (ROE) | 2.6377% | 5,635 |
| Retained earnings to average equity (ytd only) | 2.6377% | 4,371 |
| Net charge-offs to loans | 0.1683% | 3,135 |
| Credit loss provision to net charge-offs | 107.4896% | 2,231 |
| Earnings coverage of net charge-offs (x) | -0.0763% | 5,110 |
| Efficiency ratio | 100.2386% | 467 |
| Assets per employee ($millions) | 6.1288% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 5,585 |
| Loan loss allowance to noncurrent loans | 39.5251% | 5,647 |
| Noncurrent assets plus other real estate owned to assets | 1.6909% | 2,178 |
| Noncurrent loans to loans | 2.5230% | 1,490 |
| Net loans and leases to total assets | 63.3549% | 3,152 |
| Net loans and leases to deposits | 94.7758% | 816 |
| Net loans and leases to core deposits | 108.0484% | 695 |
| Total domestic deposits to total assets | 66.8472% | 6,614 |
| Equity capital to assets | 13.7825% | 971 |
| Core capital (leverage) ratio | 13.5154% | 950 |
| Tier 1 risk-based capital ratio | 19.8586% | 1,683 |
| Total risk-based capital ratio | 20.8530% | 1,720 |
| Memoranda: | ||
| Average total assets | $1,386,714,400 | 486 |
| Average earning assets | $1,322,106,200 | 467 |
| Average equity | $188,496,000 | 405 |
| Average total loans | $856,630,000 | 483 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,996 |
| Cost of funding earning assets | 1.0253% | 434 |
| Net interest margin | 3.0107% | 5,564 |
| Noninterest income to average assets | 0.4348% | 4,270 |
| Noninterest expense to average assets | 3.4961% | 1,620 |
| Loan and lease loss provision to assets | 0.1298% | 2,669 |
| Net operating income to assets | -0.2139% | 6,477 |
| Return on assets (ROA) | 0.3598% | 5,537 |
| Pretax return on assets | 0.5364% | 5,246 |
| Return on Equity (ROE) | 2.6560% | 5,730 |
| Retained earnings to average equity (ytd only) | 2.6560% | 4,732 |
| Net charge-offs to loans | 0.1884% | 2,713 |
| Credit loss provision to net charge-offs | 112.5000% | 2,087 |
| Earnings coverage of net charge-offs (x) | -1.6475% | 5,063 |
| Efficiency ratio | 105.7479% | 333 |
| Assets per employee ($millions) | 6.2004% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 5,618 |
| Loan loss allowance to noncurrent loans | 39.1199% | 5,661 |
| Noncurrent assets plus other real estate owned to assets | 1.7701% | 2,315 |
| Noncurrent loans to loans | 2.6207% | 1,619 |
| Net loans and leases to total assets | 62.5691% | 3,244 |
| Net loans and leases to deposits | 92.3263% | 959 |
| Net loans and leases to core deposits | 104.7329% | 840 |
| Total domestic deposits to total assets | 67.7695% | 6,667 |
| Equity capital to assets | 13.5107% | 1,114 |
| Core capital (leverage) ratio | 13.4890% | 1,029 |
| Tier 1 risk-based capital ratio | 20.1401% | 1,705 |
| Total risk-based capital ratio | 21.1460% | 1,731 |
| Memoranda: | ||
| Average total assets | $1,387,118,000 | 490 |
| Average earning assets | $1,322,896,500 | 471 |
| Average equity | $187,894,750 | 406 |
| Average total loans | $849,195,500 | 492 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,916 |
| Cost of funding earning assets | 1.0442% | 443 |
| Net interest margin | 3.0084% | 5,555 |
| Noninterest income to average assets | 0.4126% | 4,429 |
| Noninterest expense to average assets | 3.9197% | 957 |
| Loan and lease loss provision to assets | 0.1795% | 2,116 |
| Net operating income to assets | -0.5371% | 6,649 |
| Return on assets (ROA) | 0.3072% | 5,733 |
| Pretax return on assets | 0.4634% | 5,483 |
| Return on Equity (ROE) | 2.2657% | 5,868 |
| Retained earnings to average equity (ytd only) | 2.2657% | 4,839 |
| Net charge-offs to loans | 0.2551% | 2,191 |
| Credit loss provision to net charge-offs | 116.1710% | 1,909 |
| Earnings coverage of net charge-offs (x) | -4.1180% | 4,820 |
| Efficiency ratio | 119.3798% | 187 |
| Assets per employee ($millions) | 6.0106% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 5,643 |
| Loan loss allowance to noncurrent loans | 38.1616% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7826% | 2,433 |
| Noncurrent loans to loans | 2.7443% | 1,660 |
| Net loans and leases to total assets | 61.1302% | 3,457 |
| Net loans and leases to deposits | 88.5050% | 1,284 |
| Net loans and leases to core deposits | 100.4760% | 1,044 |
| Total domestic deposits to total assets | 69.0697% | 6,687 |
| Equity capital to assets | 13.3006% | 1,222 |
| Core capital (leverage) ratio | 13.4806% | 984 |
| Tier 1 risk-based capital ratio | 19.7384% | 1,782 |
| Total risk-based capital ratio | 20.7344% | 1,835 |
| Memoranda: | ||
| Average total assets | $1,392,724,330 | 484 |
| Average earning assets | $1,329,024,670 | 462 |
| Average equity | $188,814,000 | 404 |
| Average total loans | $843,505,670 | 491 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0959% | 3,740 |
| Cost of funding earning assets | 1.1098% | 359 |
| Net interest margin | 2.9860% | 5,608 |
| Noninterest income to average assets | 0.4597% | 4,054 |
| Noninterest expense to average assets | 5.0737% | 349 |
| Loan and lease loss provision to assets | 0.1142% | 2,807 |
| Net operating income to assets | -1.2559% | 6,855 |
| Return on assets (ROA) | 0.4646% | 5,016 |
| Pretax return on assets | 0.6967% | 4,594 |
| Return on Equity (ROE) | 3.3952% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.3952% | 4,218 |
| Net charge-offs to loans | 0.0414% | 3,454 |
| Credit loss provision to net charge-offs | 459.7701% | 575 |
| Earnings coverage of net charge-offs (x) | -70.7241% | 4,139 |
| Efficiency ratio | 152.9700% | 81 |
| Assets per employee ($millions) | 6.0737% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,669 |
| Loan loss allowance to noncurrent loans | 34.5033% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 1.9247% | 2,439 |
| Noncurrent loans to loans | 3.1450% | 1,573 |
| Net loans and leases to total assets | 59.7947% | 3,466 |
| Net loans and leases to deposits | 87.1254% | 1,230 |
| Net loans and leases to core deposits | 98.7790% | 1,026 |
| Total domestic deposits to total assets | 68.6306% | 6,791 |
| Equity capital to assets | 13.7764% | 1,105 |
| Core capital (leverage) ratio | 13.1549% | 1,053 |
| Tier 1 risk-based capital ratio | 20.0393% | 1,756 |
| Total risk-based capital ratio | 21.0693% | 1,787 |
| Memoranda: | ||
| Average total assets | $1,400,875,500 | 482 |
| Average earning assets | $1,340,372,500 | 460 |
| Average equity | $191,684,500 | 403 |
| Average total loans | $840,101,500 | 497 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 3,433 |
| Cost of funding earning assets | 1.1882% | 616 |
| Net interest margin | 3.3031% | 5,237 |
| Noninterest income to average assets | 0.3107% | 5,229 |
| Noninterest expense to average assets | 2.6577% | 4,549 |
| Loan and lease loss provision to assets | 0.3483% | 1,921 |
| Net operating income to assets | 0.3052% | 5,451 |
| Return on assets (ROA) | 0.4895% | 4,977 |
| Pretax return on assets | 0.7251% | 4,576 |
| Return on Equity (ROE) | 3.8272% | 5,216 |
| Retained earnings to average equity (ytd only) | 3.8272% | 3,508 |
| Net charge-offs to loans | 0.5345% | 2,125 |
| Credit loss provision to net charge-offs | 109.6251% | 2,672 |
| Earnings coverage of net charge-offs (x) | 2.5255% | 4,155 |
| Efficiency ratio | 76.8108% | 2,624 |
| Assets per employee ($millions) | 6.1337% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 5,849 |
| Loan loss allowance to noncurrent loans | 36.1233% | 5,812 |
| Noncurrent assets plus other real estate owned to assets | 1.7234% | 2,811 |
| Noncurrent loans to loans | 2.8544% | 1,838 |
| Net loans and leases to total assets | 58.8902% | 3,822 |
| Net loans and leases to deposits | 90.0557% | 1,070 |
| Net loans and leases to core deposits | 101.4724% | 920 |
| Total domestic deposits to total assets | 65.3931% | 6,910 |
| Equity capital to assets | 13.5929% | 1,195 |
| Core capital (leverage) ratio | 12.8171% | 1,192 |
| Tier 1 risk-based capital ratio | 19.5126% | 1,809 |
| Total risk-based capital ratio | 20.4914% | 1,860 |
| Memoranda: | ||
| Average total assets | $1,435,661,600 | 470 |
| Average earning assets | $1,368,786,000 | 448 |
| Average equity | $183,608,800 | 402 |
| Average total loans | $853,290,400 | 481 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 3,375 |
| Cost of funding earning assets | 1.1936% | 715 |
| Net interest margin | 3.3681% | 5,147 |
| Noninterest income to average assets | 0.3158% | 5,253 |
| Noninterest expense to average assets | 2.7231% | 4,279 |
| Loan and lease loss provision to assets | 0.4077% | 1,573 |
| Net operating income to assets | 0.2470% | 5,790 |
| Return on assets (ROA) | 0.4807% | 5,176 |
| Pretax return on assets | 0.7588% | 4,636 |
| Return on Equity (ROE) | 3.8177% | 5,361 |
| Retained earnings to average equity (ytd only) | 3.8177% | 4,200 |
| Net charge-offs to loans | 0.6811% | 1,623 |
| Credit loss provision to net charge-offs | 100.7557% | 2,935 |
| Earnings coverage of net charge-offs (x) | 1.9805% | 4,271 |
| Efficiency ratio | 77.2604% | 2,488 |
| Assets per employee ($millions) | 6.3689% | 1,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 6,151 |
| Loan loss allowance to noncurrent loans | 35.4120% | 5,873 |
| Noncurrent assets plus other real estate owned to assets | 1.6601% | 3,092 |
| Noncurrent loans to loans | 2.7720% | 2,031 |
| Net loans and leases to total assets | 58.0857% | 4,124 |
| Net loans and leases to deposits | 87.8280% | 1,373 |
| Net loans and leases to core deposits | 99.4636% | 1,163 |
| Total domestic deposits to total assets | 66.1358% | 6,979 |
| Equity capital to assets | 13.0399% | 1,581 |
| Core capital (leverage) ratio | 12.6920% | 1,323 |
| Tier 1 risk-based capital ratio | 19.9085% | 1,786 |
| Total risk-based capital ratio | 20.8849% | 1,821 |
| Memoranda: | ||
| Average total assets | $1,438,821,000 | 465 |
| Average earning assets | $1,370,749,000 | 439 |
| Average equity | $181,153,500 | 412 |
| Average total loans | $854,924,750 | 477 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6025% | 3,349 |
| Cost of funding earning assets | 1.2003% | 822 |
| Net interest margin | 3.4022% | 5,079 |
| Noninterest income to average assets | 0.3103% | 5,332 |
| Noninterest expense to average assets | 2.7247% | 4,307 |
| Loan and lease loss provision to assets | 0.4177% | 1,564 |
| Net operating income to assets | 0.2550% | 5,750 |
| Return on assets (ROA) | 0.4377% | 5,309 |
| Pretax return on assets | 0.6915% | 4,850 |
| Return on Equity (ROE) | 3.5188% | 5,468 |
| Retained earnings to average equity (ytd only) | 3.5188% | 4,249 |
| Net charge-offs to loans | 0.7296% | 1,518 |
| Credit loss provision to net charge-offs | 95.9386% | 2,880 |
| Earnings coverage of net charge-offs (x) | 1.8919% | 4,028 |
| Efficiency ratio | 76.7873% | 2,626 |
| Assets per employee ($millions) | 6.2726% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 6,306 |
| Loan loss allowance to noncurrent loans | 29.9336% | 6,161 |
| Noncurrent assets plus other real estate owned to assets | 1.9574% | 2,833 |
| Noncurrent loans to loans | 3.1978% | 1,818 |
| Net loans and leases to total assets | 58.8147% | 4,019 |
| Net loans and leases to deposits | 88.3476% | 1,339 |
| Net loans and leases to core deposits | 99.0344% | 1,171 |
| Total domestic deposits to total assets | 66.5719% | 7,036 |
| Equity capital to assets | 12.6762% | 1,703 |
| Core capital (leverage) ratio | 12.5025% | 1,350 |
| Tier 1 risk-based capital ratio | 19.4563% | 1,864 |
| Total risk-based capital ratio | 20.4001% | 1,907 |
| Memoranda: | ||
| Average total assets | $1,436,511,000 | 467 |
| Average earning assets | $1,367,166,670 | 444 |
| Average equity | $178,696,670 | 418 |
| Average total loans | $857,199,670 | 480 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 3,014 |
| Cost of funding earning assets | 1.2151% | 919 |
| Net interest margin | 3.4965% | 4,719 |
| Noninterest income to average assets | 0.3099% | 5,405 |
| Noninterest expense to average assets | 2.7254% | 4,330 |
| Loan and lease loss provision to assets | 0.1671% | 3,304 |
| Net operating income to assets | 0.4839% | 4,896 |
| Return on assets (ROA) | 0.4889% | 5,080 |
| Pretax return on assets | 0.7504% | 4,605 |
| Return on Equity (ROE) | 3.9683% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.9683% | 4,203 |
| Net charge-offs to loans | 0.0638% | 3,857 |
| Credit loss provision to net charge-offs | 437.9562% | 734 |
| Earnings coverage of net charge-offs (x) | 23.8467% | 1,079 |
| Efficiency ratio | 74.9751% | 2,946 |
| Assets per employee ($millions) | 6.1372% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 6,175 |
| Loan loss allowance to noncurrent loans | 31.7256% | 6,084 |
| Noncurrent assets plus other real estate owned to assets | 1.9671% | 2,955 |
| Noncurrent loans to loans | 3.2154% | 1,999 |
| Net loans and leases to total assets | 58.8996% | 3,881 |
| Net loans and leases to deposits | 87.8716% | 1,183 |
| Net loans and leases to core deposits | 97.8178% | 1,135 |
| Total domestic deposits to total assets | 67.0292% | 7,082 |
| Equity capital to assets | 12.3649% | 1,811 |
| Core capital (leverage) ratio | 12.3914% | 1,388 |
| Tier 1 risk-based capital ratio | 19.3919% | 1,872 |
| Total risk-based capital ratio | 20.4113% | 1,912 |
| Memoranda: | ||
| Average total assets | $1,436,549,500 | 465 |
| Average earning assets | $1,366,160,500 | 444 |
| Average equity | $177,002,500 | 421 |
| Average total loans | $859,299,500 | 478 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 3,781 |
| Cost of funding earning assets | 1.3232% | 1,375 |
| Net interest margin | 3.4833% | 5,210 |
| Noninterest income to average assets | 0.2694% | 5,596 |
| Noninterest expense to average assets | 2.6170% | 5,029 |
| Loan and lease loss provision to assets | 0.2148% | 4,047 |
| Net operating income to assets | 0.4699% | 4,541 |
| Return on assets (ROA) | 0.5962% | 4,202 |
| Pretax return on assets | 0.9433% | 3,455 |
| Return on Equity (ROE) | 5.0676% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.0676% | 2,588 |
| Net charge-offs to loans | 0.6721% | 2,478 |
| Credit loss provision to net charge-offs | 53.6239% | 5,331 |
| Earnings coverage of net charge-offs (x) | 2.3985% | 4,014 |
| Efficiency ratio | 73.1466% | 3,368 |
| Assets per employee ($millions) | 6.1674% | 1,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 6,352 |
| Loan loss allowance to noncurrent loans | 26.1966% | 6,389 |
| Noncurrent assets plus other real estate owned to assets | 2.2833% | 2,643 |
| Noncurrent loans to loans | 3.6790% | 1,718 |
| Net loans and leases to total assets | 59.5501% | 4,071 |
| Net loans and leases to deposits | 89.3366% | 1,218 |
| Net loans and leases to core deposits | 100.0499% | 1,173 |
| Total domestic deposits to total assets | 66.6582% | 7,114 |
| Equity capital to assets | 12.2775% | 1,924 |
| Core capital (leverage) ratio | 12.1773% | 1,504 |
| Tier 1 risk-based capital ratio | 19.2209% | 1,838 |
| Total risk-based capital ratio | 20.1815% | 1,879 |
| Memoranda: | ||
| Average total assets | $1,443,257,800 | 464 |
| Average earning assets | $1,370,785,000 | 433 |
| Average equity | $169,785,600 | 418 |
| Average total loans | $860,192,200 | 489 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8296% | 3,886 |
| Cost of funding earning assets | 1.3426% | 1,490 |
| Net interest margin | 3.4870% | 5,236 |
| Noninterest income to average assets | 0.2440% | 5,876 |
| Noninterest expense to average assets | 2.5990% | 5,081 |
| Loan and lease loss provision to assets | 0.2120% | 3,901 |
| Net operating income to assets | 0.4825% | 4,617 |
| Return on assets (ROA) | 0.6144% | 4,206 |
| Pretax return on assets | 0.9479% | 3,595 |
| Return on Equity (ROE) | 5.2797% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2797% | 3,004 |
| Net charge-offs to loans | 0.8057% | 1,947 |
| Credit loss provision to net charge-offs | 44.2478% | 5,163 |
| Earnings coverage of net charge-offs (x) | 1.9973% | 4,153 |
| Efficiency ratio | 73.0869% | 3,347 |
| Assets per employee ($millions) | 6.1822% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 6,490 |
| Loan loss allowance to noncurrent loans | 45.9721% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 1.2682% | 4,269 |
| Noncurrent loans to loans | 2.0403% | 3,315 |
| Net loans and leases to total assets | 59.2044% | 4,289 |
| Net loans and leases to deposits | 88.7425% | 1,347 |
| Net loans and leases to core deposits | 97.3334% | 1,488 |
| Total domestic deposits to total assets | 66.7149% | 7,181 |
| Equity capital to assets | 12.2962% | 2,025 |
| Core capital (leverage) ratio | 11.8926% | 1,769 |
| Tier 1 risk-based capital ratio | 19.0407% | 1,922 |
| Total risk-based capital ratio | 19.9456% | 1,986 |
| Memoranda: | ||
| Average total assets | $1,446,360,250 | 465 |
| Average earning assets | $1,373,799,250 | 436 |
| Average equity | $168,314,000 | 429 |
| Average total loans | $860,149,250 | 490 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 3,921 |
| Cost of funding earning assets | 1.3613% | 1,595 |
| Net interest margin | 3.4762% | 5,267 |
| Noninterest income to average assets | 0.2102% | 6,162 |
| Noninterest expense to average assets | 2.5301% | 5,434 |
| Loan and lease loss provision to assets | 0.2071% | 3,851 |
| Net operating income to assets | 0.5062% | 4,474 |
| Return on assets (ROA) | 0.5525% | 4,431 |
| Pretax return on assets | 0.8459% | 3,849 |
| Return on Equity (ROE) | 4.8386% | 4,528 |
| Retained earnings to average equity (ytd only) | 4.8386% | 3,095 |
| Net charge-offs to loans | 1.0666% | 1,478 |
| Credit loss provision to net charge-offs | 32.7082% | 4,950 |
| Earnings coverage of net charge-offs (x) | 1.5504% | 4,128 |
| Efficiency ratio | 72.0431% | 3,723 |
| Assets per employee ($millions) | 6.0796% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 6,606 |
| Loan loss allowance to noncurrent loans | 70.6531% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.8243% | 5,234 |
| Noncurrent loans to loans | 1.2999% | 4,472 |
| Net loans and leases to total assets | 58.3164% | 4,575 |
| Net loans and leases to deposits | 87.4464% | 1,584 |
| Net loans and leases to core deposits | 96.4294% | 1,634 |
| Total domestic deposits to total assets | 66.6881% | 7,246 |
| Equity capital to assets | 11.5759% | 2,435 |
| Core capital (leverage) ratio | 11.6536% | 1,807 |
| Tier 1 risk-based capital ratio | 18.6331% | 1,956 |
| Total risk-based capital ratio | 19.5425% | 2,035 |
| Memoranda: | ||
| Average total assets | $1,448,331,000 | 471 |
| Average earning assets | $1,375,646,000 | 444 |
| Average equity | $165,378,670 | 436 |
| Average total loans | $859,904,330 | 499 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8098% | 4,014 |
| Cost of funding earning assets | 1.3874% | 1,680 |
| Net interest margin | 3.4224% | 5,337 |
| Noninterest income to average assets | 0.1813% | 6,422 |
| Noninterest expense to average assets | 2.5836% | 5,283 |
| Loan and lease loss provision to assets | 0.1663% | 3,964 |
| Net operating income to assets | 0.4545% | 4,694 |
| Return on assets (ROA) | 0.5076% | 4,545 |
| Pretax return on assets | 0.7621% | 4,047 |
| Return on Equity (ROE) | 4.4763% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.4763% | 3,491 |
| Net charge-offs to loans | 1.7944% | 724 |
| Credit loss provision to net charge-offs | 15.5440% | 4,325 |
| Earnings coverage of net charge-offs (x) | 0.7935% | 4,044 |
| Efficiency ratio | 75.2645% | 3,291 |
| Assets per employee ($millions) | 6.2100% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,716 |
| Loan loss allowance to noncurrent loans | 58.6942% | 4,483 |
| Noncurrent assets plus other real estate owned to assets | 0.9309% | 5,032 |
| Noncurrent loans to loans | 1.5218% | 4,190 |
| Net loans and leases to total assets | 58.6434% | 4,523 |
| Net loans and leases to deposits | 86.8302% | 1,604 |
| Net loans and leases to core deposits | 95.4688% | 1,718 |
| Total domestic deposits to total assets | 67.5380% | 7,275 |
| Equity capital to assets | 11.2145% | 2,493 |
| Core capital (leverage) ratio | 11.6040% | 1,794 |
| Tier 1 risk-based capital ratio | 18.9422% | 1,816 |
| Total risk-based capital ratio | 19.8634% | 1,875 |
| Memoranda: | ||
| Average total assets | $1,442,946,500 | 477 |
| Average earning assets | $1,370,865,000 | 452 |
| Average equity | $163,616,000 | 437 |
| Average total loans | $860,466,000 | 508 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 4,886 |
| Cost of funding earning assets | 1.6751% | 1,706 |
| Net interest margin | 3.2525% | 6,122 |
| Noninterest income to average assets | 0.3200% | 5,501 |
| Noninterest expense to average assets | 2.5565% | 5,595 |
| Loan and lease loss provision to assets | 0.1701% | 5,523 |
| Net operating income to assets | 0.4496% | 4,321 |
| Return on assets (ROA) | 0.5646% | 3,983 |
| Pretax return on assets | 0.8523% | 3,467 |
| Return on Equity (ROE) | 4.9634% | 4,086 |
| Retained earnings to average equity (ytd only) | 4.9634% | 2,430 |
| Net charge-offs to loans | 0.1162% | 5,717 |
| Credit loss provision to net charge-offs | 253.1646% | 1,116 |
| Earnings coverage of net charge-offs (x) | 12.6192% | 1,484 |
| Efficiency ratio | 75.0901% | 3,192 |
| Assets per employee ($millions) | 6.2023% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2798% | 5,109 |
| Loan loss allowance to noncurrent loans | 69.4889% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.1283% | 4,754 |
| Noncurrent loans to loans | 1.8417% | 3,761 |
| Net loans and leases to total assets | 59.3346% | 4,783 |
| Net loans and leases to deposits | 89.6880% | 1,570 |
| Net loans and leases to core deposits | 99.2405% | 1,677 |
| Total domestic deposits to total assets | 66.1567% | 7,385 |
| Equity capital to assets | 11.4664% | 2,289 |
| Core capital (leverage) ratio | 11.6105% | 1,776 |
| Tier 1 risk-based capital ratio | 19.0047% | 1,720 |
| Total risk-based capital ratio | 20.2979% | 1,678 |
| Memoranda: | ||
| Average total assets | $1,410,618,000 | 478 |
| Average earning assets | $1,337,763,800 | 459 |
| Average equity | $160,475,000 | 428 |
| Average total loans | $815,495,800 | 540 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 5,042 |
| Cost of funding earning assets | 1.7412% | 1,668 |
| Net interest margin | 3.2080% | 6,315 |
| Noninterest income to average assets | 0.3085% | 5,683 |
| Noninterest expense to average assets | 2.5527% | 5,502 |
| Loan and lease loss provision to assets | 0.1706% | 5,337 |
| Net operating income to assets | 0.4108% | 4,700 |
| Return on assets (ROA) | 0.5513% | 4,257 |
| Pretax return on assets | 0.8392% | 3,772 |
| Return on Equity (ROE) | 4.8556% | 4,365 |
| Retained earnings to average equity (ytd only) | 4.8556% | 3,078 |
| Net charge-offs to loans | 0.1578% | 5,053 |
| Credit loss provision to net charge-offs | 188.8772% | 1,910 |
| Earnings coverage of net charge-offs (x) | 8.8237% | 2,106 |
| Efficiency ratio | 76.2054% | 2,906 |
| Assets per employee ($millions) | 6.1204% | 1,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 5,074 |
| Loan loss allowance to noncurrent loans | 63.5645% | 4,119 |
| Noncurrent assets plus other real estate owned to assets | 1.2192% | 4,713 |
| Noncurrent loans to loans | 2.0096% | 3,662 |
| Net loans and leases to total assets | 57.1691% | 5,386 |
| Net loans and leases to deposits | 87.2657% | 2,114 |
| Net loans and leases to core deposits | 96.3790% | 2,216 |
| Total domestic deposits to total assets | 65.5116% | 7,486 |
| Equity capital to assets | 11.9975% | 2,162 |
| Core capital (leverage) ratio | 11.6030% | 1,868 |
| Tier 1 risk-based capital ratio | 19.0897% | 1,734 |
| Total risk-based capital ratio | 20.3219% | 1,698 |
| Memoranda: | ||
| Average total assets | $1,406,637,750 | 472 |
| Average earning assets | $1,333,504,250 | 457 |
| Average equity | $159,700,500 | 420 |
| Average total loans | $805,018,750 | 544 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9561% | 5,154 |
| Cost of funding earning assets | 1.8095% | 1,608 |
| Net interest margin | 3.1466% | 6,471 |
| Noninterest income to average assets | 0.3333% | 5,489 |
| Noninterest expense to average assets | 2.4250% | 5,993 |
| Loan and lease loss provision to assets | 0.1704% | 5,169 |
| Net operating income to assets | 0.4668% | 4,479 |
| Return on assets (ROA) | 0.5199% | 4,396 |
| Pretax return on assets | 0.8005% | 3,879 |
| Return on Equity (ROE) | 4.6672% | 4,455 |
| Retained earnings to average equity (ytd only) | 4.6672% | 3,103 |
| Net charge-offs to loans | 0.2058% | 4,385 |
| Credit loss provision to net charge-offs | 145.2785% | 2,736 |
| Earnings coverage of net charge-offs (x) | 7.5811% | 2,278 |
| Efficiency ratio | 73.1682% | 3,630 |
| Assets per employee ($millions) | 6.2309% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 5,295 |
| Loan loss allowance to noncurrent loans | 69.1281% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.0651% | 5,006 |
| Noncurrent loans to loans | 1.7784% | 4,026 |
| Net loans and leases to total assets | 55.9603% | 5,712 |
| Net loans and leases to deposits | 87.8050% | 2,207 |
| Net loans and leases to core deposits | 97.9758% | 2,234 |
| Total domestic deposits to total assets | 63.7325% | 7,592 |
| Equity capital to assets | 11.4676% | 2,473 |
| Core capital (leverage) ratio | 11.2085% | 2,096 |
| Tier 1 risk-based capital ratio | 19.0327% | 1,715 |
| Total risk-based capital ratio | 20.2137% | 1,698 |
| Memoranda: | ||
| Average total assets | $1,408,324,330 | 472 |
| Average earning assets | $1,334,200,670 | 456 |
| Average equity | $156,882,670 | 431 |
| Average total loans | $802,812,330 | 549 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 5,087 |
| Cost of funding earning assets | 1.8537% | 1,643 |
| Net interest margin | 3.1305% | 6,515 |
| Noninterest income to average assets | 0.3303% | 5,499 |
| Noninterest expense to average assets | 2.3666% | 6,196 |
| Loan and lease loss provision to assets | 0.1712% | 4,816 |
| Net operating income to assets | 0.4881% | 4,455 |
| Return on assets (ROA) | 0.5469% | 4,286 |
| Pretax return on assets | 0.8444% | 3,689 |
| Return on Equity (ROE) | 4.9835% | 4,374 |
| Retained earnings to average equity (ytd only) | 4.9835% | 3,163 |
| Net charge-offs to loans | 0.0933% | 4,484 |
| Credit loss provision to net charge-offs | 320.8556% | 1,242 |
| Earnings coverage of net charge-offs (x) | 17.3422% | 1,286 |
| Efficiency ratio | 71.8953% | 3,948 |
| Assets per employee ($millions) | 6.3080% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 5,260 |
| Loan loss allowance to noncurrent loans | 72.3209% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 5,173 |
| Noncurrent loans to loans | 1.7191% | 4,164 |
| Net loans and leases to total assets | 54.8660% | 5,911 |
| Net loans and leases to deposits | 88.3662% | 2,168 |
| Net loans and leases to core deposits | 97.8744% | 2,357 |
| Total domestic deposits to total assets | 62.0893% | 7,714 |
| Equity capital to assets | 10.7990% | 2,954 |
| Core capital (leverage) ratio | 11.3391% | 2,008 |
| Tier 1 risk-based capital ratio | 19.2521% | 1,663 |
| Total risk-based capital ratio | 20.4611% | 1,645 |
| Memoranda: | ||
| Average total assets | $1,402,161,000 | 489 |
| Average earning assets | $1,326,426,000 | 470 |
| Average equity | $153,867,000 | 444 |
| Average total loans | $801,770,500 | 567 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3523% | 4,929 |
| Cost of funding earning assets | 2.0536% | 2,704 |
| Net interest margin | 3.2987% | 5,752 |
| Noninterest income to average assets | 0.4009% | 5,191 |
| Noninterest expense to average assets | 2.5286% | 6,033 |
| Loan and lease loss provision to assets | 0.2888% | 5,121 |
| Net operating income to assets | 0.4593% | 3,895 |
| Return on assets (ROA) | 0.5204% | 3,738 |
| Pretax return on assets | 0.7940% | 3,265 |
| Return on Equity (ROE) | 4.7439% | 3,781 |
| Retained earnings to average equity (ytd only) | 4.7439% | 1,951 |
| Net charge-offs to loans | 0.1148% | 6,016 |
| Credit loss provision to net charge-offs | 424.4763% | 741 |
| Earnings coverage of net charge-offs (x) | 14.5546% | 1,364 |
| Efficiency ratio | 71.8589% | 4,283 |
| Assets per employee ($millions) | 5.5085% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1835% | 5,451 |
| Loan loss allowance to noncurrent loans | 59.9748% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 1.1936% | 4,714 |
| Noncurrent loans to loans | 1.9732% | 3,682 |
| Net loans and leases to total assets | 58.1942% | 5,632 |
| Net loans and leases to deposits | 96.9333% | 1,215 |
| Net loans and leases to core deposits | 130.2741% | 1,267 |
| Total domestic deposits to total assets | 60.0353% | 7,801 |
| Equity capital to assets | 11.1573% | 2,571 |
| Core capital (leverage) ratio | 11.5429% | 1,896 |
| Tier 1 risk-based capital ratio | 19.7712% | 1,499 |
| Total risk-based capital ratio | 20.9827% | 1,476 |
| Memoranda: | ||
| Average total assets | $1,333,097,200 | 507 |
| Average earning assets | $1,260,037,400 | 484 |
| Average equity | $146,230,600 | 462 |
| Average total loans | $789,856,000 | 579 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4351% | 4,769 |
| Cost of funding earning assets | 2.0900% | 2,933 |
| Net interest margin | 3.3451% | 5,463 |
| Noninterest income to average assets | 0.3926% | 5,359 |
| Noninterest expense to average assets | 2.5259% | 5,992 |
| Loan and lease loss provision to assets | 0.3120% | 4,478 |
| Net operating income to assets | 0.4544% | 4,178 |
| Return on assets (ROA) | 0.5370% | 3,925 |
| Pretax return on assets | 0.8466% | 3,395 |
| Return on Equity (ROE) | 4.9173% | 4,001 |
| Retained earnings to average equity (ytd only) | 4.9173% | 2,545 |
| Net charge-offs to loans | 0.1470% | 5,230 |
| Credit loss provision to net charge-offs | 357.5548% | 1,145 |
| Earnings coverage of net charge-offs (x) | 11.7982% | 1,820 |
| Efficiency ratio | 71.0456% | 4,414 |
| Assets per employee ($millions) | 5.6308% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 5,709 |
| Loan loss allowance to noncurrent loans | 68.6322% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 5,056 |
| Noncurrent loans to loans | 1.6069% | 4,227 |
| Net loans and leases to total assets | 58.4686% | 5,813 |
| Net loans and leases to deposits | 102.7250% | 865 |
| Net loans and leases to core deposits | 133.3385% | 1,250 |
| Total domestic deposits to total assets | 56.9176% | 7,917 |
| Equity capital to assets | 11.2901% | 2,756 |
| Core capital (leverage) ratio | 11.4425% | 2,105 |
| Tier 1 risk-based capital ratio | 19.6077% | 1,632 |
| Total risk-based capital ratio | 20.7349% | 1,610 |
| Memoranda: | ||
| Average total assets | $1,324,846,750 | 525 |
| Average earning assets | $1,252,634,500 | 503 |
| Average equity | $144,683,250 | 475 |
| Average total loans | $786,192,000 | 599 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4652% | 4,814 |
| Cost of funding earning assets | 2.1458% | 3,061 |
| Net interest margin | 3.3194% | 5,478 |
| Noninterest income to average assets | 0.3710% | 5,544 |
| Noninterest expense to average assets | 2.5447% | 5,968 |
| Loan and lease loss provision to assets | 0.2432% | 4,635 |
| Net operating income to assets | 0.4565% | 4,269 |
| Return on assets (ROA) | 0.5147% | 4,151 |
| Pretax return on assets | 0.8111% | 3,638 |
| Return on Equity (ROE) | 4.7686% | 4,179 |
| Retained earnings to average equity (ytd only) | 4.7686% | 2,656 |
| Net charge-offs to loans | 0.0974% | 5,194 |
| Credit loss provision to net charge-offs | 419.9475% | 1,101 |
| Earnings coverage of net charge-offs (x) | 16.6352% | 1,526 |
| Efficiency ratio | 72.5414% | 4,296 |
| Assets per employee ($millions) | 5.4649% | 1,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 6,302 |
| Loan loss allowance to noncurrent loans | 56.5369% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 1.0674% | 4,830 |
| Noncurrent loans to loans | 1.7572% | 3,870 |
| Net loans and leases to total assets | 58.7549% | 5,868 |
| Net loans and leases to deposits | 102.3768% | 1,046 |
| Net loans and leases to core deposits | 133.1917% | 1,358 |
| Total domestic deposits to total assets | 57.3908% | 7,989 |
| Equity capital to assets | 10.9850% | 2,935 |
| Core capital (leverage) ratio | 11.4211% | 2,125 |
| Tier 1 risk-based capital ratio | 19.6923% | 1,634 |
| Total risk-based capital ratio | 20.7130% | 1,641 |
| Memoranda: | ||
| Average total assets | $1,316,000,330 | 537 |
| Average earning assets | $1,243,653,670 | 517 |
| Average equity | $142,053,330 | 495 |
| Average total loans | $781,940,000 | 623 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5783% | 4,476 |
| Cost of funding earning assets | 2.2244% | 3,040 |
| Net interest margin | 3.3539% | 5,308 |
| Noninterest income to average assets | 0.3641% | 5,521 |
| Noninterest expense to average assets | 2.6113% | 5,410 |
| Loan and lease loss provision to assets | 0.1828% | 4,615 |
| Net operating income to assets | 0.4731% | 4,551 |
| Return on assets (ROA) | 0.5817% | 4,292 |
| Pretax return on assets | 0.9083% | 3,687 |
| Return on Equity (ROE) | 5.4371% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.4371% | 2,882 |
| Net charge-offs to loans | 0.1502% | 3,762 |
| Credit loss provision to net charge-offs | 204.7782% | 2,170 |
| Earnings coverage of net charge-offs (x) | 10.3208% | 1,961 |
| Efficiency ratio | 73.9175% | 3,838 |
| Assets per employee ($millions) | 5.4270% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 6,816 |
| Loan loss allowance to noncurrent loans | 62.3021% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 0.8643% | 5,031 |
| Noncurrent loans to loans | 1.4190% | 4,182 |
| Net loans and leases to total assets | 58.5320% | 5,862 |
| Net loans and leases to deposits | 99.2085% | 1,510 |
| Net loans and leases to core deposits | 132.3237% | 1,513 |
| Total domestic deposits to total assets | 58.9990% | 7,991 |
| Equity capital to assets | 10.7258% | 3,264 |
| Core capital (leverage) ratio | 11.2201% | 2,323 |
| Tier 1 risk-based capital ratio | 19.5740% | 1,703 |
| Total risk-based capital ratio | 20.4840% | 1,727 |
| Memoranda: | ||
| Average total assets | $1,312,749,000 | 539 |
| Average earning assets | $1,240,241,000 | 523 |
| Average equity | $140,441,500 | 497 |
| Average total loans | $780,494,000 | 632 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8712% | 6,178 |
| Cost of funding earning assets | 2.6021% | 3,675 |
| Net interest margin | 3.2690% | 6,144 |
| Noninterest income to average assets | 0.2409% | 6,722 |
| Noninterest expense to average assets | 2.3639% | 6,526 |
| Loan and lease loss provision to assets | 0.1834% | 5,062 |
| Net operating income to assets | 0.4989% | 4,738 |
| Return on assets (ROA) | 0.4452% | 4,795 |
| Pretax return on assets | 0.7070% | 4,376 |
| Return on Equity (ROE) | 4.1254% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.1254% | 2,562 |
| Net charge-offs to loans | 0.0461% | 6,127 |
| Credit loss provision to net charge-offs | 683.7607% | 620 |
| Earnings coverage of net charge-offs (x) | 36.3191% | 1,011 |
| Efficiency ratio | 70.8117% | 4,176 |
| Assets per employee ($millions) | 5.3120% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 6,938 |
| Loan loss allowance to noncurrent loans | 58.7007% | 5,071 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 4,645 |
| Noncurrent loans to loans | 1.4326% | 3,654 |
| Net loans and leases to total assets | 59.3560% | 6,005 |
| Net loans and leases to deposits | 103.6794% | 1,374 |
| Net loans and leases to core deposits | 140.2100% | 1,255 |
| Total domestic deposits to total assets | 57.2496% | 8,033 |
| Equity capital to assets | 10.6705% | 3,320 |
| Core capital (leverage) ratio | 11.1920% | 2,436 |
| Tier 1 risk-based capital ratio | 19.2743% | 1,759 |
| Total risk-based capital ratio | 20.1359% | 1,793 |
| Memoranda: | ||
| Average total assets | $1,308,281,800 | 519 |
| Average earning assets | $1,239,602,200 | 504 |
| Average equity | $141,174,800 | 495 |
| Average total loans | $761,747,600 | 628 |