Home > FineMark National Bank & Trust > Performance and Condition Ratios
FineMark National Bank & Trust, 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 | 3.9197% | 4,066 |
| Cost of funding earning assets | 2.4938% | 367 |
| Net interest margin | 1.4259% | 4,515 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 2.0007% | 3,634 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.1853% | 4,184 |
| Return on assets (ROA) | 0.1853% | 4,201 |
| Pretax return on assets | 0.2318% | 4,164 |
| Return on Equity (ROE) | 2.4400% | 4,104 |
| Retained earnings to average equity (ytd only) | 2.4376% | 3,466 |
| Net charge-offs to loans | -0.0013% | 3,637 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 89.1942% | 437 |
| Assets per employee ($millions) | 15.4682% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9339% | 3,592 |
| Loan loss allowance to noncurrent loans | 931.4286% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 3,166 |
| Noncurrent loans to loans | 0.1003% | 3,038 |
| Net loans and leases to total assets | 60.7400% | 2,782 |
| Net loans and leases to deposits | 85.7610% | 1,635 |
| Net loans and leases to core deposits | 92.9882% | 1,846 |
| Total domestic deposits to total assets | 70.8300% | 4,264 |
| Equity capital to assets | 7.7458% | 3,575 |
| Core capital (leverage) ratio | 8.9773% | 3,764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4562% | 1,004 |
| Memoranda: | ||
| Average total assets | $3,840,217,800 | 334 |
| Average earning assets | $3,622,171,800 | 314 |
| Average equity | $291,963,600 | 404 |
| Average total loans | $2,409,966,600 | 352 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7429% | 4,163 |
| Cost of funding earning assets | 2.2416% | 462 |
| Net interest margin | 1.5013% | 4,525 |
| Noninterest income to average assets | 0.9100% | 748 |
| Noninterest expense to average assets | 2.0119% | 3,569 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.2160% | 4,214 |
| Return on assets (ROA) | 0.2160% | 4,229 |
| Pretax return on assets | 0.2674% | 4,193 |
| Return on Equity (ROE) | 2.8600% | 4,110 |
| Retained earnings to average equity (ytd only) | 2.8559% | 3,544 |
| Net charge-offs to loans | -0.0017% | 3,547 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.5608% | 489 |
| Assets per employee ($millions) | 14.9689% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,464 |
| Loan loss allowance to noncurrent loans | 1,071.9965% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0571% | 3,241 |
| Noncurrent loans to loans | 0.0914% | 3,121 |
| Net loans and leases to total assets | 61.8300% | 2,674 |
| Net loans and leases to deposits | 87.6614% | 1,415 |
| Net loans and leases to core deposits | 92.4854% | 1,765 |
| Total domestic deposits to total assets | 70.5300% | 4,310 |
| Equity capital to assets | 7.2765% | 3,479 |
| Core capital (leverage) ratio | 9.0423% | 3,739 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3276% | 1,051 |
| Memoranda: | ||
| Average total assets | $3,775,502,750 | 341 |
| Average earning assets | $3,558,296,750 | 323 |
| Average equity | $285,578,250 | 414 |
| Average total loans | $2,384,119,250 | 358 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 4,272 |
| Cost of funding earning assets | 1.9519% | 552 |
| Net interest margin | 1.6287% | 4,566 |
| Noninterest income to average assets | 0.8900% | 698 |
| Noninterest expense to average assets | 2.0325% | 3,515 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.2653% | 4,209 |
| Return on assets (ROA) | 0.2653% | 4,235 |
| Pretax return on assets | 0.3357% | 4,195 |
| Return on Equity (ROE) | 3.4600% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.4601% | 3,363 |
| Net charge-offs to loans | -0.0019% | 3,524 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.8502% | 605 |
| Assets per employee ($millions) | 14.4500% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 3,500 |
| Loan loss allowance to noncurrent loans | 1,138.6899% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 3,218 |
| Noncurrent loans to loans | 0.0860% | 3,075 |
| Net loans and leases to total assets | 64.2600% | 2,356 |
| Net loans and leases to deposits | 91.6741% | 1,047 |
| Net loans and leases to core deposits | 93.0893% | 1,619 |
| Total domestic deposits to total assets | 70.0900% | 4,361 |
| Equity capital to assets | 7.5860% | 3,476 |
| Core capital (leverage) ratio | 9.0989% | 3,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5047% | 1,035 |
| Memoranda: | ||
| Average total assets | $3,711,752,000 | 335 |
| Average earning assets | $3,496,935,333 | 321 |
| Average equity | $284,557,667 | 401 |
| Average total loans | $2,353,188,333 | 350 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3503% | 4,408 |
| Cost of funding earning assets | 1.5909% | 707 |
| Net interest margin | 1.7594% | 4,612 |
| Noninterest income to average assets | 0.8400% | 789 |
| Noninterest expense to average assets | 2.0327% | 3,549 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 0.2796% | 4,272 |
| Return on assets (ROA) | 0.2796% | 4,238 |
| Pretax return on assets | 0.3505% | 4,205 |
| Return on Equity (ROE) | 3.6300% | 4,097 |
| Retained earnings to average equity (ytd only) | 3.6280% | 3,363 |
| Net charge-offs to loans | -0.0017% | 3,400 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.3559% | 746 |
| Assets per employee ($millions) | 14.5484% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 3,382 |
| Loan loss allowance to noncurrent loans | 1,991.1934% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,459 |
| Noncurrent loans to loans | 0.0518% | 3,369 |
| Net loans and leases to total assets | 61.3800% | 2,524 |
| Net loans and leases to deposits | 80.1901% | 1,803 |
| Net loans and leases to core deposits | 80.9638% | 2,186 |
| Total domestic deposits to total assets | 76.5400% | 4,123 |
| Equity capital to assets | 7.7278% | 3,426 |
| Core capital (leverage) ratio | 9.5832% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2417% | 955 |
| Memoranda: | ||
| Average total assets | $3,667,459,000 | 347 |
| Average earning assets | $3,453,065,000 | 331 |
| Average equity | $282,690,000 | 411 |
| Average total loans | $2,296,721,500 | 366 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8382% | 4,290 |
| Cost of funding earning assets | 0.6492% | 715 |
| Net interest margin | 2.1890% | 4,483 |
| Noninterest income to average assets | 0.9400% | 721 |
| Noninterest expense to average assets | 2.0190% | 3,535 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.7063% | 3,604 |
| Return on assets (ROA) | 0.7063% | 3,549 |
| Pretax return on assets | 0.9208% | 3,294 |
| Return on Equity (ROE) | 8.7400% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.7426% | 1,554 |
| Net charge-offs to loans | -0.0208% | 4,075 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 67.0758% | 2,080 |
| Assets per employee ($millions) | 13.8223% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,197 |
| Loan loss allowance to noncurrent loans | 1,311.1488% | 801 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 3,306 |
| Noncurrent loans to loans | 0.0786% | 3,194 |
| Net loans and leases to total assets | 62.6100% | 2,370 |
| Net loans and leases to deposits | 78.0162% | 1,946 |
| Net loans and leases to core deposits | 78.7697% | 2,221 |
| Total domestic deposits to total assets | 80.2600% | 3,837 |
| Equity capital to assets | 7.6870% | 3,265 |
| Core capital (leverage) ratio | 9.7219% | 2,927 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8388% | 851 |
| Memoranda: | ||
| Average total assets | $3,478,347,400 | 345 |
| Average earning assets | $3,286,715,600 | 329 |
| Average equity | $280,992,600 | 400 |
| Average total loans | $2,117,463,400 | 364 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7312% | 4,266 |
| Cost of funding earning assets | 0.4670% | 894 |
| Net interest margin | 2.2642% | 4,430 |
| Noninterest income to average assets | 0.9800% | 698 |
| Noninterest expense to average assets | 2.0215% | 3,427 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8070% | 3,233 |
| Return on assets (ROA) | 0.8070% | 3,191 |
| Pretax return on assets | 1.0503% | 2,875 |
| Return on Equity (ROE) | 9.8700% | 2,770 |
| Retained earnings to average equity (ytd only) | 9.8673% | 1,390 |
| Net charge-offs to loans | -0.0136% | 3,838 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.6675% | 2,459 |
| Assets per employee ($millions) | 13.8124% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,377 |
| Loan loss allowance to noncurrent loans | 2,598.1020% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 3,698 |
| Noncurrent loans to loans | 0.0393% | 3,610 |
| Net loans and leases to total assets | 61.4500% | 2,358 |
| Net loans and leases to deposits | 72.0215% | 2,202 |
| Net loans and leases to core deposits | 72.4908% | 2,449 |
| Total domestic deposits to total assets | 85.3200% | 3,211 |
| Equity capital to assets | 7.7894% | 3,027 |
| Core capital (leverage) ratio | 9.7072% | 2,866 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2307% | 827 |
| Memoranda: | ||
| Average total assets | $3,459,852,250 | 352 |
| Average earning assets | $3,273,386,750 | 334 |
| Average equity | $282,973,500 | 402 |
| Average total loans | $2,084,969,000 | 364 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6113% | 4,267 |
| Cost of funding earning assets | 0.3541% | 1,228 |
| Net interest margin | 2.2572% | 4,378 |
| Noninterest income to average assets | 1.0215% | 635 |
| Noninterest expense to average assets | 1.9691% | 3,516 |
| Loan and lease loss provision to assets | 0.0742% | 1,299 |
| Net operating income to assets | 0.8642% | 2,717 |
| Return on assets (ROA) | 0.8642% | 2,690 |
| Pretax return on assets | 1.1157% | 2,345 |
| Return on Equity (ROE) | 10.4019% | 2,190 |
| Retained earnings to average equity (ytd only) | 10.4019% | 924 |
| Net charge-offs to loans | -0.0036% | 3,249 |
| Credit loss provision to net charge-offs | -3,472.9730% | 3,737 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3322% | 3,006 |
| Assets per employee ($millions) | 14.4477% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0128% | 3,547 |
| Loan loss allowance to noncurrent loans | 2,621.9660% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 3,765 |
| Noncurrent loans to loans | 0.0386% | 3,658 |
| Net loans and leases to total assets | 59.8976% | 2,336 |
| Net loans and leases to deposits | 70.7369% | 2,135 |
| Net loans and leases to core deposits | 71.2373% | 2,396 |
| Total domestic deposits to total assets | 84.6765% | 3,553 |
| Equity capital to assets | 7.9185% | 3,185 |
| Core capital (leverage) ratio | 9.5117% | 2,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5793% | 913 |
| Memoranda: | ||
| Average total assets | $3,462,103,000 | 346 |
| Average earning assets | $3,278,618,667 | 334 |
| Average equity | $287,639,667 | 401 |
| Average total loans | $2,065,358,000 | 357 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5454% | 4,206 |
| Cost of funding earning assets | 0.3234% | 1,430 |
| Net interest margin | 2.2220% | 4,321 |
| Noninterest income to average assets | 1.0272% | 650 |
| Noninterest expense to average assets | 1.9451% | 3,563 |
| Loan and lease loss provision to assets | 0.0524% | 1,444 |
| Net operating income to assets | 0.8701% | 2,416 |
| Return on assets (ROA) | 0.8701% | 2,404 |
| Pretax return on assets | 1.1377% | 2,026 |
| Return on Equity (ROE) | 10.2259% | 1,877 |
| Retained earnings to average equity (ytd only) | 10.2259% | 969 |
| Net charge-offs to loans | -0.0026% | 3,147 |
| Credit loss provision to net charge-offs | -3,453.8462% | 3,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0425% | 3,254 |
| Assets per employee ($millions) | 14.8997% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0121% | 3,668 |
| Loan loss allowance to noncurrent loans | 2,905.4622% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 3,841 |
| Noncurrent loans to loans | 0.0348% | 3,736 |
| Net loans and leases to total assets | 58.1931% | 2,278 |
| Net loans and leases to deposits | 67.9155% | 2,164 |
| Net loans and leases to core deposits | 68.5861% | 2,408 |
| Total domestic deposits to total assets | 85.6845% | 3,352 |
| Equity capital to assets | 8.2235% | 3,381 |
| Core capital (leverage) ratio | 9.4831% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5653% | 959 |
| Memoranda: | ||
| Average total assets | $3,430,541,000 | 348 |
| Average earning assets | $3,254,393,000 | 338 |
| Average equity | $291,887,000 | 405 |
| Average total loans | $2,031,472,000 | 359 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7375% | 4,273 |
| Cost of funding earning assets | 0.4101% | 1,469 |
| Net interest margin | 2.3274% | 4,390 |
| Noninterest income to average assets | 0.9713% | 1,056 |
| Noninterest expense to average assets | 2.0098% | 3,649 |
| Loan and lease loss provision to assets | 0.0010% | 3,048 |
| Net operating income to assets | 0.9083% | 3,004 |
| Return on assets (ROA) | 0.9318% | 2,998 |
| Pretax return on assets | 1.2098% | 2,630 |
| Return on Equity (ROE) | 10.1748% | 2,469 |
| Retained earnings to average equity (ytd only) | 10.1748% | 874 |
| Net charge-offs to loans | 0.0271% | 1,700 |
| Credit loss provision to net charge-offs | 5.8491% | 2,316 |
| Earnings coverage of net charge-offs (x) | 67.5358% | 1,102 |
| Efficiency ratio | 62.9860% | 2,717 |
| Assets per employee ($millions) | 14.7361% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 3,717 |
| Loan loss allowance to noncurrent loans | 2,782.3045% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 3,916 |
| Noncurrent loans to loans | 0.0362% | 3,815 |
| Net loans and leases to total assets | 59.0596% | 2,265 |
| Net loans and leases to deposits | 71.4318% | 1,968 |
| Net loans and leases to core deposits | 72.4763% | 2,213 |
| Total domestic deposits to total assets | 82.6797% | 3,862 |
| Equity capital to assets | 8.8029% | 3,802 |
| Core capital (leverage) ratio | 9.4883% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9486% | 1,050 |
| Memoranda: | ||
| Average total assets | $3,030,690,000 | 372 |
| Average earning assets | $2,890,218,000 | 360 |
| Average equity | $277,549,800 | 415 |
| Average total loans | $1,954,955,000 | 371 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7852% | 4,313 |
| Cost of funding earning assets | 0.4320% | 1,470 |
| Net interest margin | 2.3532% | 4,442 |
| Noninterest income to average assets | 0.9398% | 1,171 |
| Noninterest expense to average assets | 1.9931% | 3,699 |
| Loan and lease loss provision to assets | 0.0006% | 2,956 |
| Net operating income to assets | 0.9000% | 3,250 |
| Return on assets (ROA) | 0.9323% | 3,221 |
| Pretax return on assets | 1.2315% | 2,832 |
| Return on Equity (ROE) | 10.0685% | 2,715 |
| Retained earnings to average equity (ytd only) | 10.0685% | 1,293 |
| Net charge-offs to loans | -0.0008% | 3,107 |
| Credit loss provision to net charge-offs | -118.1818% | 3,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5901% | 2,596 |
| Assets per employee ($millions) | 13.8137% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,741 |
| Loan loss allowance to noncurrent loans | 2,242.0259% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 3,968 |
| Noncurrent loans to loans | 0.0459% | 3,886 |
| Net loans and leases to total assets | 64.9061% | 1,665 |
| Net loans and leases to deposits | 80.5370% | 1,236 |
| Net loans and leases to core deposits | 82.0029% | 1,572 |
| Total domestic deposits to total assets | 80.5916% | 4,150 |
| Equity capital to assets | 9.5339% | 3,339 |
| Core capital (leverage) ratio | 9.5269% | 2,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3663% | 1,276 |
| Memoranda: | ||
| Average total assets | $2,944,723,500 | 383 |
| Average earning assets | $2,808,784,500 | 370 |
| Average equity | $272,672,250 | 422 |
| Average total loans | $1,940,373,000 | 377 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7974% | 4,343 |
| Cost of funding earning assets | 0.4449% | 1,558 |
| Net interest margin | 2.3525% | 4,464 |
| Noninterest income to average assets | 0.9064% | 1,258 |
| Noninterest expense to average assets | 1.9815% | 3,757 |
| Loan and lease loss provision to assets | 0.0584% | 1,865 |
| Net operating income to assets | 0.8405% | 3,396 |
| Return on assets (ROA) | 0.8897% | 3,326 |
| Pretax return on assets | 1.1731% | 2,983 |
| Return on Equity (ROE) | 9.7099% | 2,870 |
| Retained earnings to average equity (ytd only) | 9.7099% | 1,495 |
| Net charge-offs to loans | -0.0007% | 3,061 |
| Credit loss provision to net charge-offs | -12,100.0000% | 4,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8889% | 2,596 |
| Assets per employee ($millions) | 13.6679% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,406 |
| Loan loss allowance to noncurrent loans | 846.8102% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 3,628 |
| Noncurrent loans to loans | 0.1301% | 3,537 |
| Net loans and leases to total assets | 65.2000% | 1,799 |
| Net loans and leases to deposits | 81.0445% | 1,327 |
| Net loans and leases to core deposits | 82.5185% | 1,679 |
| Total domestic deposits to total assets | 80.4496% | 4,160 |
| Equity capital to assets | 9.3301% | 3,484 |
| Core capital (leverage) ratio | 9.5218% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6623% | 1,196 |
| Memoranda: | ||
| Average total assets | $2,899,477,333 | 385 |
| Average earning assets | $2,766,334,667 | 373 |
| Average equity | $265,667,000 | 426 |
| Average total loans | $1,913,759,667 | 378 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8227% | 4,353 |
| Cost of funding earning assets | 0.4602% | 1,651 |
| Net interest margin | 2.3625% | 4,457 |
| Noninterest income to average assets | 0.8260% | 1,525 |
| Noninterest expense to average assets | 1.9638% | 3,826 |
| Loan and lease loss provision to assets | 0.0429% | 2,205 |
| Net operating income to assets | 0.8076% | 3,400 |
| Return on assets (ROA) | 0.8805% | 3,258 |
| Pretax return on assets | 1.1622% | 2,946 |
| Return on Equity (ROE) | 9.7017% | 2,788 |
| Retained earnings to average equity (ytd only) | 9.7017% | 1,742 |
| Net charge-offs to loans | -0.0013% | 3,065 |
| Credit loss provision to net charge-offs | -5,116.6667% | 3,727 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8265% | 2,487 |
| Assets per employee ($millions) | 13.0490% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 3,407 |
| Loan loss allowance to noncurrent loans | 1,319.2620% | 537 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 3,977 |
| Noncurrent loans to loans | 0.0838% | 3,883 |
| Net loans and leases to total assets | 65.7455% | 1,824 |
| Net loans and leases to deposits | 81.9781% | 1,339 |
| Net loans and leases to core deposits | 84.1035% | 1,671 |
| Total domestic deposits to total assets | 80.1988% | 4,175 |
| Equity capital to assets | 9.1668% | 3,526 |
| Core capital (leverage) ratio | 9.2326% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4485% | 1,182 |
| Memoranda: | ||
| Average total assets | $2,859,418,000 | 388 |
| Average earning assets | $2,724,089,000 | 375 |
| Average equity | $259,501,500 | 432 |
| Average total loans | $1,888,473,000 | 378 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1919% | 4,460 |
| Cost of funding earning assets | 0.6825% | 1,815 |
| Net interest margin | 2.5093% | 4,580 |
| Noninterest income to average assets | 0.9032% | 1,254 |
| Noninterest expense to average assets | 2.0461% | 4,048 |
| Loan and lease loss provision to assets | 0.1979% | 1,973 |
| Net operating income to assets | 0.7962% | 3,109 |
| Return on assets (ROA) | 0.9753% | 2,525 |
| Pretax return on assets | 1.2731% | 2,072 |
| Return on Equity (ROE) | 10.8149% | 1,698 |
| Retained earnings to average equity (ytd only) | 10.8149% | 456 |
| Net charge-offs to loans | 0.0025% | 3,304 |
| Credit loss provision to net charge-offs | 11,871.4286% | 85 |
| Earnings coverage of net charge-offs (x) | 746.4286% | 159 |
| Efficiency ratio | 62.1856% | 3,093 |
| Assets per employee ($millions) | 13.8255% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,404 |
| Loan loss allowance to noncurrent loans | 1,624.8632% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 4,120 |
| Noncurrent loans to loans | 0.0685% | 4,023 |
| Net loans and leases to total assets | 64.8745% | 2,245 |
| Net loans and leases to deposits | 82.7162% | 1,580 |
| Net loans and leases to core deposits | 84.9334% | 1,957 |
| Total domestic deposits to total assets | 78.4302% | 4,272 |
| Equity capital to assets | 8.9831% | 4,071 |
| Core capital (leverage) ratio | 9.1883% | 3,451 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1066% | 1,238 |
| Memoranda: | ||
| Average total assets | $2,519,612,400 | 392 |
| Average earning assets | $2,396,939,000 | 379 |
| Average equity | $227,224,600 | 458 |
| Average total loans | $1,709,294,200 | 394 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2991% | 4,469 |
| Cost of funding earning assets | 0.7535% | 1,719 |
| Net interest margin | 2.5456% | 4,619 |
| Noninterest income to average assets | 0.9183% | 1,176 |
| Noninterest expense to average assets | 2.1171% | 3,902 |
| Loan and lease loss provision to assets | 0.2394% | 1,695 |
| Net operating income to assets | 0.7406% | 3,317 |
| Return on assets (ROA) | 0.9622% | 2,614 |
| Pretax return on assets | 1.2623% | 2,185 |
| Return on Equity (ROE) | 10.6576% | 1,797 |
| Retained earnings to average equity (ytd only) | 10.6576% | 639 |
| Net charge-offs to loans | 0.0004% | 3,236 |
| Credit loss provision to net charge-offs | 87,520.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 4,465.0000% | 12 |
| Efficiency ratio | 63.4190% | 2,843 |
| Assets per employee ($millions) | 12.8393% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1178% | 3,110 |
| Loan loss allowance to noncurrent loans | 1,840.5282% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 4,241 |
| Noncurrent loans to loans | 0.0607% | 4,130 |
| Net loans and leases to total assets | 68.5886% | 2,162 |
| Net loans and leases to deposits | 90.1255% | 1,246 |
| Net loans and leases to core deposits | 92.9539% | 1,712 |
| Total domestic deposits to total assets | 76.1034% | 4,412 |
| Equity capital to assets | 9.2750% | 3,876 |
| Core capital (leverage) ratio | 9.1927% | 3,562 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9268% | 1,269 |
| Memoranda: | ||
| Average total assets | $2,437,501,000 | 397 |
| Average earning assets | $2,317,097,500 | 381 |
| Average equity | $220,069,750 | 463 |
| Average total loans | $1,669,506,750 | 400 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3799% | 4,558 |
| Cost of funding earning assets | 0.8572% | 1,566 |
| Net interest margin | 2.5228% | 4,720 |
| Noninterest income to average assets | 0.9181% | 1,127 |
| Noninterest expense to average assets | 2.1038% | 4,022 |
| Loan and lease loss provision to assets | 0.3146% | 1,364 |
| Net operating income to assets | 0.6692% | 3,504 |
| Return on assets (ROA) | 0.9387% | 2,674 |
| Pretax return on assets | 1.2387% | 2,224 |
| Return on Equity (ROE) | 10.5015% | 1,805 |
| Retained earnings to average equity (ytd only) | 10.5015% | 690 |
| Net charge-offs to loans | 0.0004% | 3,028 |
| Credit loss provision to net charge-offs | 124,866.6667% | 4 |
| Earnings coverage of net charge-offs (x) | 4,810.6667% | 9 |
| Efficiency ratio | 63.4448% | 2,893 |
| Assets per employee ($millions) | 12.5280% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1216% | 2,919 |
| Loan loss allowance to noncurrent loans | 1,147.1588% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 4,187 |
| Noncurrent loans to loans | 0.0978% | 4,062 |
| Net loans and leases to total assets | 68.5558% | 2,255 |
| Net loans and leases to deposits | 89.7498% | 1,378 |
| Net loans and leases to core deposits | 92.7908% | 1,836 |
| Total domestic deposits to total assets | 76.3855% | 4,388 |
| Equity capital to assets | 9.0944% | 4,004 |
| Core capital (leverage) ratio | 9.2424% | 3,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6326% | 1,333 |
| Memoranda: | ||
| Average total assets | $2,381,210,667 | 399 |
| Average earning assets | $2,263,300,333 | 381 |
| Average equity | $212,846,333 | 470 |
| Average total loans | $1,623,381,000 | 406 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4455% | 4,693 |
| Cost of funding earning assets | 1.0674% | 1,155 |
| Net interest margin | 2.3781% | 4,889 |
| Noninterest income to average assets | 0.9668% | 919 |
| Noninterest expense to average assets | 2.1839% | 4,046 |
| Loan and lease loss provision to assets | 0.2046% | 1,491 |
| Net operating income to assets | 0.6178% | 3,551 |
| Return on assets (ROA) | 0.9855% | 2,327 |
| Pretax return on assets | 1.3049% | 1,860 |
| Return on Equity (ROE) | 11.1308% | 1,380 |
| Retained earnings to average equity (ytd only) | 11.1308% | 551 |
| Net charge-offs to loans | -0.0018% | 3,636 |
| Credit loss provision to net charge-offs | -16,900.0000% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6543% | 2,728 |
| Assets per employee ($millions) | 12.5527% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0650% | 3,377 |
| Loan loss allowance to noncurrent loans | 1,436.9620% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,362 |
| Noncurrent loans to loans | 0.0741% | 4,224 |
| Net loans and leases to total assets | 64.2924% | 3,033 |
| Net loans and leases to deposits | 86.1041% | 1,987 |
| Net loans and leases to core deposits | 90.0042% | 2,344 |
| Total domestic deposits to total assets | 74.6682% | 4,606 |
| Equity capital to assets | 8.5553% | 4,807 |
| Core capital (leverage) ratio | 9.5233% | 3,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4027% | 1,502 |
| Memoranda: | ||
| Average total assets | $2,312,748,000 | 398 |
| Average earning assets | $2,199,046,500 | 377 |
| Average equity | $204,764,500 | 483 |
| Average total loans | $1,562,116,500 | 410 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7969% | 4,573 |
| Cost of funding earning assets | 1.2851% | 797 |
| Net interest margin | 2.5119% | 4,963 |
| Noninterest income to average assets | 1.0803% | 814 |
| Noninterest expense to average assets | 2.3086% | 3,926 |
| Loan and lease loss provision to assets | 0.0741% | 2,511 |
| Net operating income to assets | 0.8183% | 3,498 |
| Return on assets (ROA) | 0.8798% | 3,371 |
| Pretax return on assets | 1.1559% | 2,993 |
| Return on Equity (ROE) | 9.5851% | 2,485 |
| Retained earnings to average equity (ytd only) | 9.5851% | 574 |
| Net charge-offs to loans | 0.0080% | 3,393 |
| Credit loss provision to net charge-offs | 1,282.7586% | 269 |
| Earnings coverage of net charge-offs (x) | 199.3707% | 400 |
| Efficiency ratio | 66.7051% | 2,661 |
| Assets per employee ($millions) | 11.3956% | 266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,282 |
| Loan loss allowance to noncurrent loans | 823.6089% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0888% | 4,195 |
| Noncurrent loans to loans | 0.1261% | 4,020 |
| Net loans and leases to total assets | 69.7204% | 2,447 |
| Net loans and leases to deposits | 89.7205% | 1,626 |
| Net loans and leases to core deposits | 93.7966% | 2,083 |
| Total domestic deposits to total assets | 77.7084% | 4,402 |
| Equity capital to assets | 9.1929% | 4,576 |
| Core capital (leverage) ratio | 9.5097% | 4,049 |
| Tier 1 risk-based capital ratio | 15.2980% | 2,657 |
| Total risk-based capital ratio | 16.5106% | 2,609 |
| Memoranda: | ||
| Average total assets | $2,007,042,800 | 427 |
| Average earning assets | $1,902,083,200 | 409 |
| Average equity | $184,212,600 | 506 |
| Average total loans | $1,453,030,400 | 417 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,649 |
| Cost of funding earning assets | 1.3025% | 776 |
| Net interest margin | 2.5187% | 5,051 |
| Noninterest income to average assets | 1.0600% | 816 |
| Noninterest expense to average assets | 2.3179% | 3,908 |
| Loan and lease loss provision to assets | 0.0718% | 2,442 |
| Net operating income to assets | 0.7905% | 3,703 |
| Return on assets (ROA) | 0.8615% | 3,553 |
| Pretax return on assets | 1.1465% | 3,148 |
| Return on Equity (ROE) | 9.3904% | 2,720 |
| Retained earnings to average equity (ytd only) | 9.3904% | 932 |
| Net charge-offs to loans | 0.0112% | 2,960 |
| Credit loss provision to net charge-offs | 875.2066% | 404 |
| Earnings coverage of net charge-offs (x) | 137.6027% | 576 |
| Efficiency ratio | 67.2599% | 2,535 |
| Assets per employee ($millions) | 11.1306% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0469% | 3,307 |
| Loan loss allowance to noncurrent loans | 1,020.8085% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 4,358 |
| Noncurrent loans to loans | 0.1026% | 4,184 |
| Net loans and leases to total assets | 69.2088% | 2,594 |
| Net loans and leases to deposits | 90.5852% | 1,622 |
| Net loans and leases to core deposits | 94.6412% | 2,115 |
| Total domestic deposits to total assets | 76.4020% | 4,598 |
| Equity capital to assets | 9.2343% | 4,645 |
| Core capital (leverage) ratio | 9.5397% | 4,127 |
| Tier 1 risk-based capital ratio | 15.5688% | 2,616 |
| Total risk-based capital ratio | 16.8082% | 2,560 |
| Memoranda: | ||
| Average total assets | $1,967,510,750 | 433 |
| Average earning assets | $1,864,063,500 | 419 |
| Average equity | $180,505,250 | 518 |
| Average total loans | $1,434,937,000 | 423 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8411% | 4,652 |
| Cost of funding earning assets | 1.2670% | 826 |
| Net interest margin | 2.5741% | 5,089 |
| Noninterest income to average assets | 1.0159% | 851 |
| Noninterest expense to average assets | 2.3720% | 3,813 |
| Loan and lease loss provision to assets | 0.0859% | 2,127 |
| Net operating income to assets | 0.7469% | 3,844 |
| Return on assets (ROA) | 0.7875% | 3,756 |
| Pretax return on assets | 1.0466% | 3,398 |
| Return on Equity (ROE) | 8.6039% | 3,025 |
| Retained earnings to average equity (ytd only) | 8.6039% | 1,165 |
| Net charge-offs to loans | 0.0176% | 2,525 |
| Credit loss provision to net charge-offs | 660.8000% | 487 |
| Earnings coverage of net charge-offs (x) | 83.1200% | 789 |
| Efficiency ratio | 68.6916% | 2,419 |
| Assets per employee ($millions) | 10.7362% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0384% | 3,400 |
| Loan loss allowance to noncurrent loans | 1,608.3775% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,530 |
| Noncurrent loans to loans | 0.0646% | 4,391 |
| Net loans and leases to total assets | 72.7775% | 2,099 |
| Net loans and leases to deposits | 94.5236% | 1,202 |
| Net loans and leases to core deposits | 98.9655% | 1,809 |
| Total domestic deposits to total assets | 76.9940% | 4,560 |
| Equity capital to assets | 9.2675% | 4,599 |
| Core capital (leverage) ratio | 9.5088% | 4,133 |
| Tier 1 risk-based capital ratio | 15.0095% | 2,839 |
| Total risk-based capital ratio | 16.2498% | 2,761 |
| Memoranda: | ||
| Average total assets | $1,922,117,000 | 444 |
| Average earning assets | $1,819,912,330 | 427 |
| Average equity | $175,920,000 | 524 |
| Average total loans | $1,422,801,000 | 426 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 4,650 |
| Cost of funding earning assets | 1.2289% | 827 |
| Net interest margin | 2.6073% | 5,132 |
| Noninterest income to average assets | 1.0076% | 790 |
| Noninterest expense to average assets | 2.4137% | 3,737 |
| Loan and lease loss provision to assets | 0.0999% | 1,759 |
| Net operating income to assets | 0.7216% | 3,870 |
| Return on assets (ROA) | 0.7606% | 3,789 |
| Pretax return on assets | 1.0112% | 3,404 |
| Return on Equity (ROE) | 8.3657% | 3,089 |
| Retained earnings to average equity (ytd only) | 8.3657% | 1,529 |
| Net charge-offs to loans | 0.0328% | 1,799 |
| Credit loss provision to net charge-offs | 410.4348% | 683 |
| Earnings coverage of net charge-offs (x) | 43.6261% | 1,100 |
| Efficiency ratio | 69.4495% | 2,432 |
| Assets per employee ($millions) | 10.5208% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 3,480 |
| Loan loss allowance to noncurrent loans | 780.9800% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 4,319 |
| Noncurrent loans to loans | 0.1329% | 4,141 |
| Net loans and leases to total assets | 73.4106% | 1,910 |
| Net loans and leases to deposits | 89.1621% | 1,737 |
| Net loans and leases to core deposits | 95.1597% | 2,008 |
| Total domestic deposits to total assets | 82.3339% | 3,635 |
| Equity capital to assets | 9.0563% | 4,641 |
| Core capital (leverage) ratio | 9.4601% | 4,180 |
| Tier 1 risk-based capital ratio | 14.6980% | 3,007 |
| Total risk-based capital ratio | 15.9270% | 2,943 |
| Memoranda: | ||
| Average total assets | $1,890,075,500 | 452 |
| Average earning assets | $1,788,982,500 | 438 |
| Average equity | $171,844,500 | 533 |
| Average total loans | $1,403,864,500 | 429 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7433% | 4,601 |
| Cost of funding earning assets | 0.9125% | 1,046 |
| Net interest margin | 2.8308% | 4,993 |
| Noninterest income to average assets | 1.1635% | 684 |
| Noninterest expense to average assets | 2.5687% | 3,418 |
| Loan and lease loss provision to assets | 0.1177% | 1,867 |
| Net operating income to assets | 0.9304% | 3,329 |
| Return on assets (ROA) | 0.9305% | 3,318 |
| Pretax return on assets | 1.1667% | 3,033 |
| Return on Equity (ROE) | 10.7390% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.7390% | 481 |
| Net charge-offs to loans | 0.0291% | 2,816 |
| Credit loss provision to net charge-offs | 541.0667% | 647 |
| Earnings coverage of net charge-offs (x) | 59.0560% | 1,031 |
| Efficiency ratio | 66.6702% | 2,753 |
| Assets per employee ($millions) | 10.1358% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 3,391 |
| Loan loss allowance to noncurrent loans | 523.7509% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1489% | 4,088 |
| Noncurrent loans to loans | 0.2002% | 3,864 |
| Net loans and leases to total assets | 73.5944% | 1,995 |
| Net loans and leases to deposits | 92.2655% | 1,511 |
| Net loans and leases to core deposits | 100.7627% | 1,663 |
| Total domestic deposits to total assets | 79.7637% | 4,157 |
| Equity capital to assets | 9.1289% | 4,467 |
| Core capital (leverage) ratio | 9.5498% | 4,060 |
| Tier 1 risk-based capital ratio | 14.7478% | 2,943 |
| Total risk-based capital ratio | 15.9773% | 2,883 |
| Memoranda: | ||
| Average total assets | $1,724,574,000 | 475 |
| Average earning assets | $1,638,403,200 | 460 |
| Average equity | $149,436,800 | 573 |
| Average total loans | $1,287,305,000 | 450 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7081% | 4,628 |
| Cost of funding earning assets | 0.8429% | 1,140 |
| Net interest margin | 2.8652% | 5,022 |
| Noninterest income to average assets | 1.1853% | 669 |
| Noninterest expense to average assets | 2.5779% | 3,351 |
| Loan and lease loss provision to assets | 0.0881% | 2,212 |
| Net operating income to assets | 0.9440% | 3,331 |
| Return on assets (ROA) | 0.9443% | 3,336 |
| Pretax return on assets | 1.2442% | 2,834 |
| Return on Equity (ROE) | 11.0594% | 2,153 |
| Retained earnings to average equity (ytd only) | 11.0594% | 641 |
| Net charge-offs to loans | 0.0401% | 2,287 |
| Credit loss provision to net charge-offs | 294.2105% | 1,039 |
| Earnings coverage of net charge-offs (x) | 44.4819% | 1,265 |
| Efficiency ratio | 65.9337% | 2,881 |
| Assets per employee ($millions) | 9.7833% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 3,628 |
| Loan loss allowance to noncurrent loans | 1,055.2960% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0721% | 4,612 |
| Noncurrent loans to loans | 0.0969% | 4,455 |
| Net loans and leases to total assets | 73.6447% | 2,052 |
| Net loans and leases to deposits | 88.7740% | 2,054 |
| Net loans and leases to core deposits | 105.0428% | 1,375 |
| Total domestic deposits to total assets | 82.9576% | 3,319 |
| Equity capital to assets | 9.0209% | 4,527 |
| Core capital (leverage) ratio | 9.5117% | 4,160 |
| Tier 1 risk-based capital ratio | 14.7618% | 2,988 |
| Total risk-based capital ratio | 15.9513% | 2,945 |
| Memoranda: | ||
| Average total assets | $1,692,005,750 | 483 |
| Average earning assets | $1,608,977,000 | 466 |
| Average equity | $144,464,250 | 592 |
| Average total loans | $1,264,249,000 | 452 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7015% | 4,580 |
| Cost of funding earning assets | 0.7877% | 1,186 |
| Net interest margin | 2.9138% | 4,994 |
| Noninterest income to average assets | 1.1747% | 693 |
| Noninterest expense to average assets | 2.6128% | 3,292 |
| Loan and lease loss provision to assets | 0.0848% | 2,218 |
| Net operating income to assets | 0.9549% | 3,212 |
| Return on assets (ROA) | 0.9553% | 3,217 |
| Pretax return on assets | 1.2501% | 2,725 |
| Return on Equity (ROE) | 11.4195% | 1,943 |
| Retained earnings to average equity (ytd only) | 11.4195% | 598 |
| Net charge-offs to loans | 0.0616% | 1,728 |
| Credit loss provision to net charge-offs | 184.0731% | 1,386 |
| Earnings coverage of net charge-offs (x) | 28.9608% | 1,540 |
| Efficiency ratio | 66.1943% | 2,940 |
| Assets per employee ($millions) | 9.7523% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 3,666 |
| Loan loss allowance to noncurrent loans | 3,157.2115% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,908 |
| Noncurrent loans to loans | 0.0325% | 4,772 |
| Net loans and leases to total assets | 72.8772% | 2,138 |
| Net loans and leases to deposits | 87.9472% | 2,120 |
| Net loans and leases to core deposits | 103.4339% | 1,441 |
| Total domestic deposits to total assets | 82.8648% | 3,450 |
| Equity capital to assets | 8.9794% | 4,578 |
| Core capital (leverage) ratio | 9.5468% | 4,069 |
| Tier 1 risk-based capital ratio | 14.9171% | 2,910 |
| Total risk-based capital ratio | 16.1206% | 2,856 |
| Memoranda: | ||
| Average total assets | $1,662,485,330 | 489 |
| Average earning assets | $1,581,853,330 | 472 |
| Average equity | $139,077,670 | 617 |
| Average total loans | $1,244,050,670 | 462 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7305% | 4,405 |
| Cost of funding earning assets | 0.7695% | 1,099 |
| Net interest margin | 2.9610% | 4,933 |
| Noninterest income to average assets | 1.1077% | 758 |
| Noninterest expense to average assets | 2.6336% | 3,236 |
| Loan and lease loss provision to assets | 0.0891% | 2,024 |
| Net operating income to assets | 0.8978% | 3,301 |
| Return on assets (ROA) | 0.8978% | 3,309 |
| Pretax return on assets | 1.2024% | 2,738 |
| Return on Equity (ROE) | 11.1693% | 1,899 |
| Retained earnings to average equity (ytd only) | 11.1693% | 853 |
| Net charge-offs to loans | -0.0010% | 3,757 |
| Credit loss provision to net charge-offs | -12,066.6667% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0971% | 2,987 |
| Assets per employee ($millions) | 10.0198% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,600 |
| Loan loss allowance to noncurrent loans | 52,708.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,142 |
| Noncurrent loans to loans | 0.0020% | 5,021 |
| Net loans and leases to total assets | 73.4879% | 1,948 |
| Net loans and leases to deposits | 85.5809% | 2,220 |
| Net loans and leases to core deposits | 105.7965% | 1,252 |
| Total domestic deposits to total assets | 85.8695% | 2,603 |
| Equity capital to assets | 7.8144% | 5,322 |
| Core capital (leverage) ratio | 7.8201% | 5,439 |
| Tier 1 risk-based capital ratio | 12.7729% | 4,075 |
| Total risk-based capital ratio | 13.9997% | 3,978 |
| Memoranda: | ||
| Average total assets | $1,625,774,000 | 504 |
| Average earning assets | $1,546,908,000 | 484 |
| Average equity | $130,679,500 | 656 |
| Average total loans | $1,226,968,000 | 471 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5215% | 4,752 |
| Cost of funding earning assets | 0.5344% | 2,074 |
| Net interest margin | 2.9871% | 4,914 |
| Noninterest income to average assets | 1.1015% | 841 |
| Noninterest expense to average assets | 2.6850% | 3,179 |
| Loan and lease loss provision to assets | 0.1443% | 1,579 |
| Net operating income to assets | 0.6771% | 3,694 |
| Return on assets (ROA) | 0.6897% | 3,697 |
| Pretax return on assets | 1.1224% | 3,098 |
| Return on Equity (ROE) | 8.1404% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.1404% | 716 |
| Net charge-offs to loans | 0.0407% | 2,973 |
| Credit loss provision to net charge-offs | 466.7401% | 671 |
| Earnings coverage of net charge-offs (x) | 40.3392% | 1,259 |
| Efficiency ratio | 68.2874% | 2,836 |
| Assets per employee ($millions) | 9.4506% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 3,575 |
| Loan loss allowance to noncurrent loans | 51,248.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0016% | 5,194 |
| Noncurrent loans to loans | 0.0021% | 5,064 |
| Net loans and leases to total assets | 75.9243% | 1,613 |
| Net loans and leases to deposits | 90.2068% | 1,754 |
| Net loans and leases to core deposits | 108.1722% | 1,114 |
| Total domestic deposits to total assets | 84.1670% | 3,138 |
| Equity capital to assets | 8.2750% | 5,271 |
| Core capital (leverage) ratio | 8.5711% | 5,070 |
| Tier 1 risk-based capital ratio | 12.8788% | 3,988 |
| Total risk-based capital ratio | 14.1170% | 3,886 |
| Memoranda: | ||
| Average total assets | $1,468,746,400 | 529 |
| Average earning assets | $1,391,710,600 | 508 |
| Average equity | $124,441,800 | 660 |
| Average total loans | $1,116,249,200 | 488 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4834% | 4,839 |
| Cost of funding earning assets | 0.5106% | 2,181 |
| Net interest margin | 2.9728% | 4,979 |
| Noninterest income to average assets | 1.0854% | 865 |
| Noninterest expense to average assets | 2.6915% | 3,089 |
| Loan and lease loss provision to assets | 0.1607% | 1,279 |
| Net operating income to assets | 0.7541% | 3,715 |
| Return on assets (ROA) | 0.7707% | 3,696 |
| Pretax return on assets | 1.0712% | 3,418 |
| Return on Equity (ROE) | 9.0389% | 2,578 |
| Retained earnings to average equity (ytd only) | 9.0389% | 825 |
| Net charge-offs to loans | 0.0538% | 2,371 |
| Credit loss provision to net charge-offs | 393.8776% | 776 |
| Earnings coverage of net charge-offs (x) | 29.6301% | 1,565 |
| Efficiency ratio | 69.0091% | 2,707 |
| Assets per employee ($millions) | 8.9856% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0591% | 3,738 |
| Loan loss allowance to noncurrent loans | 47,857.6923% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,270 |
| Noncurrent loans to loans | 0.0022% | 5,152 |
| Net loans and leases to total assets | 76.1007% | 1,578 |
| Net loans and leases to deposits | 91.9867% | 1,569 |
| Net loans and leases to core deposits | 110.1313% | 1,018 |
| Total domestic deposits to total assets | 82.7300% | 3,544 |
| Equity capital to assets | 8.3915% | 5,347 |
| Core capital (leverage) ratio | 8.6380% | 5,118 |
| Tier 1 risk-based capital ratio | 13.3466% | 3,796 |
| Total risk-based capital ratio | 14.5970% | 3,707 |
| Memoranda: | ||
| Average total assets | $1,441,371,500 | 540 |
| Average earning assets | $1,364,800,000 | 517 |
| Average equity | $122,902,250 | 672 |
| Average total loans | $1,092,540,250 | 497 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4359% | 4,903 |
| Cost of funding earning assets | 0.4745% | 2,378 |
| Net interest margin | 2.9614% | 4,988 |
| Noninterest income to average assets | 1.0807% | 853 |
| Noninterest expense to average assets | 2.7320% | 2,977 |
| Loan and lease loss provision to assets | 0.2027% | 905 |
| Net operating income to assets | 0.6162% | 4,229 |
| Return on assets (ROA) | 0.6263% | 4,227 |
| Pretax return on assets | 0.9634% | 3,711 |
| Return on Equity (ROE) | 7.3038% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.3038% | 1,451 |
| Net charge-offs to loans | 0.0819% | 1,795 |
| Credit loss provision to net charge-offs | 328.4404% | 903 |
| Earnings coverage of net charge-offs (x) | 18.6399% | 1,870 |
| Efficiency ratio | 70.3654% | 2,606 |
| Assets per employee ($millions) | 8.8954% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 3,760 |
| Loan loss allowance to noncurrent loans | 39,167.7419% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,315 |
| Noncurrent loans to loans | 0.0027% | 5,196 |
| Net loans and leases to total assets | 77.3861% | 1,334 |
| Net loans and leases to deposits | 93.7766% | 1,285 |
| Net loans and leases to core deposits | 114.3425% | 786 |
| Total domestic deposits to total assets | 82.5218% | 3,718 |
| Equity capital to assets | 8.5421% | 5,274 |
| Core capital (leverage) ratio | 8.6326% | 5,107 |
| Tier 1 risk-based capital ratio | 12.7687% | 4,142 |
| Total risk-based capital ratio | 14.0087% | 4,052 |
| Memoranda: | ||
| Average total assets | $1,412,645,670 | 546 |
| Average earning assets | $1,336,590,330 | 528 |
| Average equity | $121,141,670 | 683 |
| Average total loans | $1,065,081,000 | 505 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3628% | 5,010 |
| Cost of funding earning assets | 0.4390% | 2,624 |
| Net interest margin | 2.9239% | 5,040 |
| Noninterest income to average assets | 1.0950% | 823 |
| Noninterest expense to average assets | 2.8012% | 2,788 |
| Loan and lease loss provision to assets | 0.1791% | 973 |
| Net operating income to assets | 0.5751% | 4,258 |
| Return on assets (ROA) | 0.5590% | 4,380 |
| Pretax return on assets | 0.8550% | 3,917 |
| Return on Equity (ROE) | 6.5056% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.5056% | 2,075 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5707% | 2,475 |
| Assets per employee ($millions) | 8.7627% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,638 |
| Loan loss allowance to noncurrent loans | 316.4560% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 4,156 |
| Noncurrent loans to loans | 0.3518% | 3,837 |
| Net loans and leases to total assets | 74.1002% | 1,715 |
| Net loans and leases to deposits | 88.8387% | 1,689 |
| Net loans and leases to core deposits | 106.3656% | 1,078 |
| Total domestic deposits to total assets | 83.4098% | 3,697 |
| Equity capital to assets | 8.5519% | 5,201 |
| Core capital (leverage) ratio | 8.8221% | 4,938 |
| Tier 1 risk-based capital ratio | 13.4279% | 3,817 |
| Total risk-based capital ratio | 14.6784% | 3,734 |
| Memoranda: | ||
| Average total assets | $1,389,543,500 | 557 |
| Average earning assets | $1,314,019,000 | 546 |
| Average equity | $119,404,000 | 690 |
| Average total loans | $1,027,077,000 | 522 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3836% | 5,015 |
| Cost of funding earning assets | 0.4480% | 2,557 |
| Net interest margin | 2.9356% | 5,073 |
| Noninterest income to average assets | 1.0763% | 975 |
| Noninterest expense to average assets | 2.7099% | 3,317 |
| Loan and lease loss provision to assets | 0.1746% | 1,379 |
| Net operating income to assets | 0.6346% | 4,072 |
| Return on assets (ROA) | 0.6846% | 3,964 |
| Pretax return on assets | 1.0472% | 3,305 |
| Return on Equity (ROE) | 7.6716% | 3,132 |
| Retained earnings to average equity (ytd only) | 7.6716% | 970 |
| Net charge-offs to loans | -0.0126% | 4,999 |
| Credit loss provision to net charge-offs | -1,951.7857% | 5,379 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2999% | 2,851 |
| Assets per employee ($millions) | 8.7152% | 462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 3,613 |
| Loan loss allowance to noncurrent loans | 298.4471% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.2730% | 4,192 |
| Noncurrent loans to loans | 0.3746% | 3,782 |
| Net loans and leases to total assets | 72.0487% | 2,159 |
| Net loans and leases to deposits | 88.2816% | 1,887 |
| Net loans and leases to core deposits | 103.6540% | 1,309 |
| Total domestic deposits to total assets | 81.6124% | 4,175 |
| Equity capital to assets | 8.6355% | 5,158 |
| Core capital (leverage) ratio | 9.0203% | 4,717 |
| Tier 1 risk-based capital ratio | 13.7661% | 3,599 |
| Total risk-based capital ratio | 15.0164% | 3,507 |
| Memoranda: | ||
| Average total assets | $1,251,674,200 | 591 |
| Average earning assets | $1,184,661,600 | 568 |
| Average equity | $111,697,800 | 716 |
| Average total loans | $886,112,600 | 574 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4002% | 5,024 |
| Cost of funding earning assets | 0.4554% | 2,502 |
| Net interest margin | 2.9448% | 5,104 |
| Noninterest income to average assets | 1.0895% | 955 |
| Noninterest expense to average assets | 2.7027% | 3,338 |
| Loan and lease loss provision to assets | 0.1888% | 1,157 |
| Net operating income to assets | 0.6381% | 4,128 |
| Return on assets (ROA) | 0.7064% | 3,944 |
| Pretax return on assets | 1.0920% | 3,266 |
| Return on Equity (ROE) | 7.8448% | 3,087 |
| Retained earnings to average equity (ytd only) | 7.8448% | 1,231 |
| Net charge-offs to loans | -0.0174% | 4,961 |
| Credit loss provision to net charge-offs | -1,545.5357% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6839% | 2,938 |
| Assets per employee ($millions) | 8.6184% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,492 |
| Loan loss allowance to noncurrent loans | 237.1783% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3441% | 4,031 |
| Noncurrent loans to loans | 0.4886% | 3,539 |
| Net loans and leases to total assets | 69.6208% | 2,549 |
| Net loans and leases to deposits | 85.9474% | 2,264 |
| Net loans and leases to core deposits | 99.1946% | 1,711 |
| Total domestic deposits to total assets | 81.0039% | 4,242 |
| Equity capital to assets | 9.0925% | 5,079 |
| Core capital (leverage) ratio | 9.1258% | 4,687 |
| Tier 1 risk-based capital ratio | 14.7406% | 3,167 |
| Total risk-based capital ratio | 15.9917% | 3,107 |
| Memoranda: | ||
| Average total assets | $1,222,519,250 | 604 |
| Average earning assets | $1,157,826,000 | 582 |
| Average equity | $110,082,500 | 729 |
| Average total loans | $858,394,500 | 584 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4318% | 5,017 |
| Cost of funding earning assets | 0.4519% | 2,547 |
| Net interest margin | 2.9800% | 5,118 |
| Noninterest income to average assets | 1.0706% | 976 |
| Noninterest expense to average assets | 2.7700% | 3,136 |
| Loan and lease loss provision to assets | 0.1959% | 1,104 |
| Net operating income to assets | 0.6002% | 4,268 |
| Return on assets (ROA) | 0.6679% | 4,105 |
| Pretax return on assets | 1.0325% | 3,469 |
| Return on Equity (ROE) | 7.4435% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.4435% | 1,413 |
| Net charge-offs to loans | -0.0296% | 5,117 |
| Credit loss provision to net charge-offs | -942.7419% | 5,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1279% | 2,800 |
| Assets per employee ($millions) | 8.5293% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1505% | 3,641 |
| Loan loss allowance to noncurrent loans | 269.4924% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 4,308 |
| Noncurrent loans to loans | 0.4269% | 3,825 |
| Net loans and leases to total assets | 69.0224% | 2,624 |
| Net loans and leases to deposits | 87.3258% | 2,092 |
| Net loans and leases to core deposits | 105.0203% | 1,251 |
| Total domestic deposits to total assets | 79.0401% | 4,776 |
| Equity capital to assets | 9.2643% | 5,009 |
| Core capital (leverage) ratio | 9.4122% | 4,319 |
| Tier 1 risk-based capital ratio | 15.0571% | 3,054 |
| Total risk-based capital ratio | 16.3080% | 2,992 |
| Memoranda: | ||
| Average total assets | $1,193,360,000 | 613 |
| Average earning assets | $1,130,819,330 | 592 |
| Average equity | $107,073,000 | 751 |
| Average total loans | $836,952,000 | 590 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4435% | 5,019 |
| Cost of funding earning assets | 0.4504% | 2,580 |
| Net interest margin | 2.9931% | 5,135 |
| Noninterest income to average assets | 1.0886% | 912 |
| Noninterest expense to average assets | 2.8038% | 3,050 |
| Loan and lease loss provision to assets | 0.1781% | 1,137 |
| Net operating income to assets | 0.5997% | 4,175 |
| Return on assets (ROA) | 0.6731% | 3,980 |
| Pretax return on assets | 1.0545% | 3,259 |
| Return on Equity (ROE) | 7.6369% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.6369% | 1,613 |
| Net charge-offs to loans | -0.0609% | 5,424 |
| Credit loss provision to net charge-offs | -416.1290% | 4,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4927% | 2,873 |
| Assets per employee ($millions) | 8.6214% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,773 |
| Loan loss allowance to noncurrent loans | 250.8726% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 4,320 |
| Noncurrent loans to loans | 0.4581% | 3,807 |
| Net loans and leases to total assets | 67.6145% | 2,710 |
| Net loans and leases to deposits | 80.5344% | 2,725 |
| Net loans and leases to core deposits | 95.7096% | 1,826 |
| Total domestic deposits to total assets | 83.9573% | 3,537 |
| Equity capital to assets | 8.5806% | 5,512 |
| Core capital (leverage) ratio | 8.8877% | 4,975 |
| Tier 1 risk-based capital ratio | 14.2215% | 3,551 |
| Total risk-based capital ratio | 15.4722% | 3,481 |
| Memoranda: | ||
| Average total assets | $1,158,869,500 | 630 |
| Average earning assets | $1,096,916,000 | 611 |
| Average equity | $102,136,000 | 779 |
| Average total loans | $814,708,500 | 610 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5364% | 4,830 |
| Cost of funding earning assets | 0.4942% | 2,206 |
| Net interest margin | 3.0422% | 5,044 |
| Noninterest income to average assets | 1.2137% | 812 |
| Noninterest expense to average assets | 2.9118% | 2,817 |
| Loan and lease loss provision to assets | 0.2198% | 934 |
| Net operating income to assets | 0.6157% | 4,195 |
| Return on assets (ROA) | 0.6301% | 4,230 |
| Pretax return on assets | 0.9782% | 3,549 |
| Return on Equity (ROE) | 7.7091% | 3,130 |
| Retained earnings to average equity (ytd only) | 7.7091% | 1,011 |
| Net charge-offs to loans | 0.0333% | 3,544 |
| Credit loss provision to net charge-offs | 912.2363% | 370 |
| Earnings coverage of net charge-offs (x) | 48.7975% | 1,024 |
| Efficiency ratio | 71.2378% | 3,028 |
| Assets per employee ($millions) | 8.4790% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 4,047 |
| Loan loss allowance to noncurrent loans | 216.3854% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 4,121 |
| Noncurrent loans to loans | 0.5087% | 3,661 |
| Net loans and leases to total assets | 71.5716% | 2,129 |
| Net loans and leases to deposits | 86.8812% | 2,018 |
| Net loans and leases to core deposits | 103.2935% | 1,280 |
| Total domestic deposits to total assets | 82.3787% | 4,059 |
| Equity capital to assets | 9.0665% | 5,057 |
| Core capital (leverage) ratio | 9.0769% | 4,786 |
| Tier 1 risk-based capital ratio | 14.3583% | 3,517 |
| Total risk-based capital ratio | 15.6084% | 3,431 |
| Memoranda: | ||
| Average total assets | $983,721,200 | 701 |
| Average earning assets | $929,262,600 | 680 |
| Average equity | $80,398,600 | 949 |
| Average total loans | $712,461,400 | 648 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5308% | 4,909 |
| Cost of funding earning assets | 0.4903% | 2,313 |
| Net interest margin | 3.0405% | 5,099 |
| Noninterest income to average assets | 1.2588% | 764 |
| Noninterest expense to average assets | 2.9205% | 2,782 |
| Loan and lease loss provision to assets | 0.2122% | 910 |
| Net operating income to assets | 0.6402% | 4,178 |
| Return on assets (ROA) | 0.6600% | 4,199 |
| Pretax return on assets | 1.0256% | 3,520 |
| Return on Equity (ROE) | 8.3409% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.3409% | 1,114 |
| Net charge-offs to loans | 0.0458% | 2,984 |
| Credit loss provision to net charge-offs | 639.2405% | 535 |
| Earnings coverage of net charge-offs (x) | 36.3631% | 1,326 |
| Efficiency ratio | 70.7567% | 3,085 |
| Assets per employee ($millions) | 7.6961% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0954% | 4,249 |
| Loan loss allowance to noncurrent loans | 199.6835% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.4012% | 4,170 |
| Noncurrent loans to loans | 0.5486% | 3,696 |
| Net loans and leases to total assets | 72.3410% | 2,008 |
| Net loans and leases to deposits | 88.3508% | 1,853 |
| Net loans and leases to core deposits | 106.6680% | 1,052 |
| Total domestic deposits to total assets | 81.8793% | 4,204 |
| Equity capital to assets | 7.7863% | 6,024 |
| Core capital (leverage) ratio | 8.0154% | 5,893 |
| Tier 1 risk-based capital ratio | 12.4802% | 4,769 |
| Total risk-based capital ratio | 13.7307% | 4,667 |
| Memoranda: | ||
| Average total assets | $951,965,750 | 730 |
| Average earning assets | $898,173,250 | 704 |
| Average equity | $75,322,000 | 1,020 |
| Average total loans | $689,620,500 | 672 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5291% | 4,914 |
| Cost of funding earning assets | 0.4919% | 2,330 |
| Net interest margin | 3.0373% | 5,129 |
| Noninterest income to average assets | 1.3053% | 714 |
| Noninterest expense to average assets | 2.9342% | 2,770 |
| Loan and lease loss provision to assets | 0.2211% | 857 |
| Net operating income to assets | 0.6495% | 4,123 |
| Return on assets (ROA) | 0.6672% | 4,149 |
| Pretax return on assets | 1.0452% | 3,395 |
| Return on Equity (ROE) | 8.3831% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.3831% | 1,124 |
| Net charge-offs to loans | 0.0708% | 2,379 |
| Credit loss provision to net charge-offs | 432.9114% | 698 |
| Earnings coverage of net charge-offs (x) | 24.2532% | 1,567 |
| Efficiency ratio | 70.3161% | 3,282 |
| Assets per employee ($millions) | 7.9641% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0889% | 4,385 |
| Loan loss allowance to noncurrent loans | 2,668.5121% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 5,757 |
| Noncurrent loans to loans | 0.0408% | 5,585 |
| Net loans and leases to total assets | 72.6976% | 1,865 |
| Net loans and leases to deposits | 88.4310% | 1,776 |
| Net loans and leases to core deposits | 108.6765% | 910 |
| Total domestic deposits to total assets | 82.2083% | 4,227 |
| Equity capital to assets | 7.9435% | 6,007 |
| Core capital (leverage) ratio | 8.0875% | 5,877 |
| Tier 1 risk-based capital ratio | 12.9450% | 4,547 |
| Total risk-based capital ratio | 14.1956% | 4,465 |
| Memoranda: | ||
| Average total assets | $928,095,000 | 754 |
| Average earning assets | $876,250,330 | 734 |
| Average equity | $73,863,000 | 1,044 |
| Average total loans | $669,938,000 | 698 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4977% | 4,975 |
| Cost of funding earning assets | 0.4984% | 2,296 |
| Net interest margin | 2.9993% | 5,218 |
| Noninterest income to average assets | 1.1653% | 842 |
| Noninterest expense to average assets | 2.8597% | 3,033 |
| Loan and lease loss provision to assets | 0.2698% | 580 |
| Net operating income to assets | 0.5427% | 4,499 |
| Return on assets (ROA) | 0.5787% | 4,471 |
| Pretax return on assets | 0.9188% | 3,817 |
| Return on Equity (ROE) | 7.2642% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.2642% | 1,877 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6346% | 3,231 |
| Assets per employee ($millions) | 8.0569% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 4,405 |
| Loan loss allowance to noncurrent loans | 546.9521% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1474% | 5,365 |
| Noncurrent loans to loans | 0.2054% | 5,042 |
| Net loans and leases to total assets | 70.9922% | 1,980 |
| Net loans and leases to deposits | 87.1519% | 1,712 |
| Net loans and leases to core deposits | 107.6946% | 836 |
| Total domestic deposits to total assets | 81.4580% | 4,686 |
| Equity capital to assets | 7.9053% | 6,066 |
| Core capital (leverage) ratio | 8.0815% | 5,889 |
| Tier 1 risk-based capital ratio | 11.6129% | 5,490 |
| Total risk-based capital ratio | 12.7991% | 5,441 |
| Memoranda: | ||
| Average total assets | $910,314,500 | 769 |
| Average earning assets | $857,933,000 | 749 |
| Average equity | $72,520,500 | 1,062 |
| Average total loans | $650,773,500 | 718 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4616% | 5,414 |
| Cost of funding earning assets | 0.5502% | 2,202 |
| Net interest margin | 2.9115% | 5,618 |
| Noninterest income to average assets | 1.2968% | 723 |
| Noninterest expense to average assets | 3.0653% | 2,638 |
| Loan and lease loss provision to assets | 0.2775% | 770 |
| Net operating income to assets | 0.4500% | 5,019 |
| Return on assets (ROA) | 0.4966% | 4,915 |
| Pretax return on assets | 0.7602% | 4,403 |
| Return on Equity (ROE) | 6.2169% | 4,041 |
| Retained earnings to average equity (ytd only) | 6.2169% | 1,798 |
| Net charge-offs to loans | 0.0856% | 3,272 |
| Credit loss provision to net charge-offs | 466.3830% | 563 |
| Earnings coverage of net charge-offs (x) | 16.2340% | 2,027 |
| Efficiency ratio | 76.0357% | 2,502 |
| Assets per employee ($millions) | 8.2040% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 4,549 |
| Loan loss allowance to noncurrent loans | 490.2975% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1594% | 5,386 |
| Noncurrent loans to loans | 0.2239% | 5,023 |
| Net loans and leases to total assets | 70.3808% | 2,175 |
| Net loans and leases to deposits | 87.3155% | 1,811 |
| Net loans and leases to core deposits | 108.2600% | 877 |
| Total domestic deposits to total assets | 80.6051% | 4,858 |
| Equity capital to assets | 8.0311% | 6,055 |
| Core capital (leverage) ratio | 8.3104% | 5,766 |
| Tier 1 risk-based capital ratio | 13.1841% | 4,596 |
| Total risk-based capital ratio | 14.4344% | 4,527 |
| Memoranda: | ||
| Average total assets | $789,786,400 | 859 |
| Average earning assets | $741,791,600 | 828 |
| Average equity | $63,086,000 | 1,158 |
| Average total loans | $548,850,600 | 801 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4209% | 5,554 |
| Cost of funding earning assets | 0.5584% | 2,209 |
| Net interest margin | 2.8625% | 5,775 |
| Noninterest income to average assets | 1.3148% | 704 |
| Noninterest expense to average assets | 3.0478% | 2,646 |
| Loan and lease loss provision to assets | 0.2831% | 720 |
| Net operating income to assets | 0.4336% | 5,133 |
| Return on assets (ROA) | 0.4808% | 5,023 |
| Pretax return on assets | 0.7405% | 4,559 |
| Return on Equity (ROE) | 6.0281% | 4,217 |
| Retained earnings to average equity (ytd only) | 6.0281% | 2,395 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2170% | 2,457 |
| Assets per employee ($millions) | 7.7430% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 4,531 |
| Loan loss allowance to noncurrent loans | 361.7912% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 5,314 |
| Noncurrent loans to loans | 0.3165% | 4,959 |
| Net loans and leases to total assets | 70.4716% | 2,121 |
| Net loans and leases to deposits | 89.7420% | 1,450 |
| Net loans and leases to core deposits | 111.6669% | 676 |
| Total domestic deposits to total assets | 78.5269% | 5,431 |
| Equity capital to assets | 7.7535% | 6,226 |
| Core capital (leverage) ratio | 8.1287% | 5,987 |
| Tier 1 risk-based capital ratio | 12.5834% | 5,122 |
| Total risk-based capital ratio | 13.8330% | 5,047 |
| Memoranda: | ||
| Average total assets | $765,724,750 | 889 |
| Average earning assets | $718,006,250 | 858 |
| Average equity | $61,068,000 | 1,202 |
| Average total loans | $528,433,250 | 836 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3896% | 5,642 |
| Cost of funding earning assets | 0.5721% | 2,147 |
| Net interest margin | 2.8175% | 5,865 |
| Noninterest income to average assets | 1.3484% | 659 |
| Noninterest expense to average assets | 3.1473% | 2,340 |
| Loan and lease loss provision to assets | 0.2606% | 813 |
| Net operating income to assets | 0.3668% | 5,345 |
| Return on assets (ROA) | 0.4387% | 5,140 |
| Pretax return on assets | 0.6898% | 4,673 |
| Return on Equity (ROE) | 5.4438% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.4438% | 2,676 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9723% | 2,173 |
| Assets per employee ($millions) | 7.0415% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1263% | 4,790 |
| Loan loss allowance to noncurrent loans | 326.6949% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 5,356 |
| Noncurrent loans to loans | 0.3448% | 4,974 |
| Net loans and leases to total assets | 70.5443% | 1,994 |
| Net loans and leases to deposits | 87.4896% | 1,659 |
| Net loans and leases to core deposits | 107.4769% | 793 |
| Total domestic deposits to total assets | 80.6317% | 5,087 |
| Equity capital to assets | 8.3141% | 5,944 |
| Core capital (leverage) ratio | 8.4709% | 5,659 |
| Tier 1 risk-based capital ratio | 13.4966% | 4,581 |
| Total risk-based capital ratio | 14.7463% | 4,527 |
| Memoranda: | ||
| Average total assets | $742,218,670 | 918 |
| Average earning assets | $694,661,330 | 889 |
| Average equity | $59,811,330 | 1,221 |
| Average total loans | $505,864,000 | 878 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3537% | 5,742 |
| Cost of funding earning assets | 0.5794% | 2,157 |
| Net interest margin | 2.7743% | 5,986 |
| Noninterest income to average assets | 1.1634% | 820 |
| Noninterest expense to average assets | 3.1652% | 2,336 |
| Loan and lease loss provision to assets | 0.1546% | 1,570 |
| Net operating income to assets | 0.2664% | 5,609 |
| Return on assets (ROA) | 0.3668% | 5,310 |
| Pretax return on assets | 0.5888% | 4,862 |
| Return on Equity (ROE) | 4.6289% | 4,724 |
| Retained earnings to average equity (ytd only) | 4.6289% | 3,340 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3636% | 1,628 |
| Assets per employee ($millions) | 7.1263% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 5,117 |
| Loan loss allowance to noncurrent loans | 289.7992% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.2553% | 5,419 |
| Noncurrent loans to loans | 0.3801% | 4,984 |
| Net loans and leases to total assets | 66.4221% | 2,496 |
| Net loans and leases to deposits | 82.3342% | 2,014 |
| Net loans and leases to core deposits | 100.7616% | 1,051 |
| Total domestic deposits to total assets | 80.6738% | 5,325 |
| Equity capital to assets | 7.8752% | 6,135 |
| Core capital (leverage) ratio | 8.1122% | 6,028 |
| Tier 1 risk-based capital ratio | 13.4597% | 4,719 |
| Total risk-based capital ratio | 14.7097% | 4,657 |
| Memoranda: | ||
| Average total assets | $729,565,000 | 932 |
| Average earning assets | $680,686,500 | 911 |
| Average equity | $57,810,500 | 1,256 |
| Average total loans | $484,989,000 | 922 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3866% | 5,868 |
| Cost of funding earning assets | 0.6419% | 2,278 |
| Net interest margin | 2.7447% | 6,079 |
| Noninterest income to average assets | 1.0423% | 1,293 |
| Noninterest expense to average assets | 3.0069% | 3,034 |
| Loan and lease loss provision to assets | 0.2622% | 1,356 |
| Net operating income to assets | 0.2334% | 5,739 |
| Return on assets (ROA) | 0.3384% | 5,488 |
| Pretax return on assets | 0.5151% | 5,163 |
| Return on Equity (ROE) | 4.2809% | 4,981 |
| Retained earnings to average equity (ytd only) | 4.2809% | 3,129 |
| Net charge-offs to loans | 0.0098% | 5,253 |
| Credit loss provision to net charge-offs | 3,985.3659% | 50 |
| Earnings coverage of net charge-offs (x) | 93.9512% | 480 |
| Efficiency ratio | 82.9475% | 1,755 |
| Assets per employee ($millions) | 7.0391% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 5,141 |
| Loan loss allowance to noncurrent loans | 274.0253% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 5,470 |
| Noncurrent loans to loans | 0.4019% | 5,000 |
| Net loans and leases to total assets | 65.0445% | 2,855 |
| Net loans and leases to deposits | 81.2976% | 2,280 |
| Net loans and leases to core deposits | 100.6960% | 1,104 |
| Total domestic deposits to total assets | 80.0079% | 5,442 |
| Equity capital to assets | 7.9743% | 6,038 |
| Core capital (leverage) ratio | 8.3225% | 5,850 |
| Tier 1 risk-based capital ratio | 14.3060% | 4,079 |
| Total risk-based capital ratio | 15.5562% | 4,021 |
| Memoranda: | ||
| Average total assets | $623,142,200 | 1,069 |
| Average earning assets | $586,366,800 | 1,044 |
| Average equity | $49,265,600 | 1,431 |
| Average total loans | $418,071,200 | 1,023 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3929% | 5,890 |
| Cost of funding earning assets | 0.6542% | 2,330 |
| Net interest margin | 2.7386% | 6,104 |
| Noninterest income to average assets | 1.0254% | 1,385 |
| Noninterest expense to average assets | 2.9776% | 3,061 |
| Loan and lease loss provision to assets | 0.2798% | 1,244 |
| Net operating income to assets | 0.2238% | 5,860 |
| Return on assets (ROA) | 0.3379% | 5,601 |
| Pretax return on assets | 0.5169% | 5,303 |
| Return on Equity (ROE) | 4.2847% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.2847% | 3,630 |
| Net charge-offs to loans | 0.0135% | 4,867 |
| Credit loss provision to net charge-offs | 3,068.2927% | 111 |
| Earnings coverage of net charge-offs (x) | 68.1162% | 676 |
| Efficiency ratio | 82.7379% | 1,730 |
| Assets per employee ($millions) | 7.1034% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0659% | 5,461 |
| Loan loss allowance to noncurrent loans | 258.5745% | 1,573 |
| Noncurrent assets plus other real estate owned to assets | 0.2765% | 5,615 |
| Noncurrent loans to loans | 0.4122% | 5,162 |
| Net loans and leases to total assets | 66.3617% | 2,575 |
| Net loans and leases to deposits | 85.2905% | 1,707 |
| Net loans and leases to core deposits | 108.9291% | 623 |
| Total domestic deposits to total assets | 77.8066% | 5,930 |
| Equity capital to assets | 8.0274% | 6,136 |
| Core capital (leverage) ratio | 8.5254% | 5,747 |
| Tier 1 risk-based capital ratio | 13.8860% | 4,511 |
| Total risk-based capital ratio | 15.1013% | 4,489 |
| Memoranda: | ||
| Average total assets | $599,430,250 | 1,119 |
| Average earning assets | $563,286,750 | 1,086 |
| Average equity | $47,268,250 | 1,494 |
| Average total loans | $404,535,500 | 1,055 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 5,820 |
| Cost of funding earning assets | 0.6695% | 2,321 |
| Net interest margin | 2.7686% | 6,066 |
| Noninterest income to average assets | 0.9869% | 1,567 |
| Noninterest expense to average assets | 2.9483% | 3,175 |
| Loan and lease loss provision to assets | 0.2880% | 1,263 |
| Net operating income to assets | 0.2210% | 5,838 |
| Return on assets (ROA) | 0.3921% | 5,411 |
| Pretax return on assets | 0.6147% | 4,973 |
| Return on Equity (ROE) | 5.0081% | 4,728 |
| Retained earnings to average equity (ytd only) | 5.0081% | 3,050 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2741% | 1,847 |
| Assets per employee ($millions) | 6.9447% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 5,618 |
| Loan loss allowance to noncurrent loans | 729.4408% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 6,200 |
| Noncurrent loans to loans | 0.1443% | 5,965 |
| Net loans and leases to total assets | 67.4649% | 2,343 |
| Net loans and leases to deposits | 86.5078% | 1,514 |
| Net loans and leases to core deposits | 109.1484% | 596 |
| Total domestic deposits to total assets | 77.9870% | 5,987 |
| Equity capital to assets | 7.7125% | 6,358 |
| Core capital (leverage) ratio | 8.1366% | 6,069 |
| Tier 1 risk-based capital ratio | 12.6823% | 5,367 |
| Total risk-based capital ratio | 13.8375% | 5,379 |
| Memoranda: | ||
| Average total assets | $574,299,330 | 1,170 |
| Average earning assets | $538,607,670 | 1,137 |
| Average equity | $44,967,330 | 1,577 |
| Average total loans | $388,497,670 | 1,098 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 5,792 |
| Cost of funding earning assets | 0.6854% | 2,343 |
| Net interest margin | 2.7810% | 6,068 |
| Noninterest income to average assets | 0.9507% | 1,611 |
| Noninterest expense to average assets | 2.9522% | 3,150 |
| Loan and lease loss provision to assets | 0.1376% | 2,521 |
| Net operating income to assets | 0.2902% | 5,600 |
| Return on assets (ROA) | 0.5706% | 4,509 |
| Pretax return on assets | 0.9080% | 3,727 |
| Return on Equity (ROE) | 7.2266% | 3,365 |
| Retained earnings to average equity (ytd only) | 7.2266% | 2,058 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9333% | 1,897 |
| Assets per employee ($millions) | 7.2477% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9940% | 6,004 |
| Loan loss allowance to noncurrent loans | 620.5882% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 6,267 |
| Noncurrent loans to loans | 0.1602% | 5,995 |
| Net loans and leases to total assets | 65.2426% | 2,506 |
| Net loans and leases to deposits | 84.3702% | 1,551 |
| Net loans and leases to core deposits | 108.0946% | 560 |
| Total domestic deposits to total assets | 77.3290% | 6,212 |
| Equity capital to assets | 7.8147% | 6,463 |
| Core capital (leverage) ratio | 8.1565% | 5,981 |
| Tier 1 risk-based capital ratio | 13.2977% | 5,017 |
| Total risk-based capital ratio | 14.4183% | 5,046 |
| Memoranda: | ||
| Average total assets | $552,410,500 | 1,221 |
| Average earning assets | $518,225,000 | 1,200 |
| Average equity | $43,616,500 | 1,635 |
| Average total loans | $372,036,500 | 1,145 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4485% | 6,418 |
| Cost of funding earning assets | 0.7820% | 2,811 |
| Net interest margin | 2.6665% | 6,567 |
| Noninterest income to average assets | 0.9802% | 1,594 |
| Noninterest expense to average assets | 3.0340% | 3,150 |
| Loan and lease loss provision to assets | 0.1616% | 3,594 |
| Net operating income to assets | 0.1679% | 5,845 |
| Return on assets (ROA) | 0.5131% | 4,896 |
| Pretax return on assets | 0.8031% | 4,282 |
| Return on Equity (ROE) | 6.0699% | 4,138 |
| Retained earnings to average equity (ytd only) | 6.0699% | 2,038 |
| Net charge-offs to loans | 0.1278% | 4,405 |
| Credit loss provision to net charge-offs | 219.4366% | 1,146 |
| Earnings coverage of net charge-offs (x) | 5.7746% | 2,952 |
| Efficiency ratio | 87.7084% | 1,264 |
| Assets per employee ($millions) | 6.5625% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 5,982 |
| Loan loss allowance to noncurrent loans | 579.1332% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 6,274 |
| Noncurrent loans to loans | 0.1721% | 6,051 |
| Net loans and leases to total assets | 68.2622% | 2,140 |
| Net loans and leases to deposits | 90.2165% | 1,059 |
| Net loans and leases to core deposits | 110.8092% | 513 |
| Total domestic deposits to total assets | 75.6649% | 6,394 |
| Equity capital to assets | 7.9851% | 6,420 |
| Core capital (leverage) ratio | 8.2229% | 5,975 |
| Tier 1 risk-based capital ratio | 12.8167% | 5,243 |
| Total risk-based capital ratio | 13.9341% | 5,279 |
| Memoranda: | ||
| Average total assets | $482,138,200 | 1,379 |
| Average earning assets | $448,222,800 | 1,356 |
| Average equity | $40,758,800 | 1,711 |
| Average total loans | $277,832,200 | 1,498 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4164% | 6,609 |
| Cost of funding earning assets | 0.7988% | 2,950 |
| Net interest margin | 2.6176% | 6,744 |
| Noninterest income to average assets | 0.9794% | 1,562 |
| Noninterest expense to average assets | 3.0703% | 2,974 |
| Loan and lease loss provision to assets | 0.1638% | 3,473 |
| Net operating income to assets | 0.1136% | 6,104 |
| Return on assets (ROA) | 0.5492% | 4,887 |
| Pretax return on assets | 0.8561% | 4,273 |
| Return on Equity (ROE) | 6.3983% | 4,118 |
| Retained earnings to average equity (ytd only) | 6.3983% | 2,432 |
| Net charge-offs to loans | 0.1843% | 3,642 |
| Credit loss provision to net charge-offs | 163.0986% | 1,706 |
| Earnings coverage of net charge-offs (x) | 3.3775% | 3,671 |
| Efficiency ratio | 90.0539% | 1,035 |
| Assets per employee ($millions) | 6.7904% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 5,787 |
| Loan loss allowance to noncurrent loans | 543.5407% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.1248% | 6,406 |
| Noncurrent loans to loans | 0.1994% | 6,111 |
| Net loans and leases to total assets | 61.9049% | 3,397 |
| Net loans and leases to deposits | 89.0990% | 1,248 |
| Net loans and leases to core deposits | 111.0117% | 534 |
| Total domestic deposits to total assets | 69.4788% | 6,865 |
| Equity capital to assets | 8.2871% | 6,425 |
| Core capital (leverage) ratio | 8.4719% | 5,791 |
| Tier 1 risk-based capital ratio | 13.6807% | 4,765 |
| Total risk-based capital ratio | 14.8241% | 4,799 |
| Memoranda: | ||
| Average total assets | $471,422,250 | 1,419 |
| Average earning assets | $437,646,250 | 1,395 |
| Average equity | $40,468,000 | 1,740 |
| Average total loans | $256,793,750 | 1,623 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4351% | 6,694 |
| Cost of funding earning assets | 0.8053% | 3,145 |
| Net interest margin | 2.6299% | 6,799 |
| Noninterest income to average assets | 0.9604% | 1,579 |
| Noninterest expense to average assets | 3.1479% | 2,753 |
| Loan and lease loss provision to assets | 0.2186% | 2,888 |
| Net operating income to assets | 0.0242% | 6,292 |
| Return on assets (ROA) | 0.3978% | 5,455 |
| Pretax return on assets | 0.6095% | 5,106 |
| Return on Equity (ROE) | 4.5762% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.5762% | 3,560 |
| Net charge-offs to loans | 0.2989% | 2,830 |
| Credit loss provision to net charge-offs | 141.9718% | 1,955 |
| Earnings coverage of net charge-offs (x) | 1.6451% | 4,168 |
| Efficiency ratio | 92.5520% | 891 |
| Assets per employee ($millions) | 6.6675% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 5,111 |
| Loan loss allowance to noncurrent loans | 536.7150% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.1312% | 6,461 |
| Noncurrent loans to loans | 0.2334% | 6,109 |
| Net loans and leases to total assets | 55.5092% | 4,542 |
| Net loans and leases to deposits | 77.5169% | 2,748 |
| Net loans and leases to core deposits | 97.0226% | 1,347 |
| Total domestic deposits to total assets | 71.6091% | 6,824 |
| Equity capital to assets | 8.5945% | 6,125 |
| Core capital (leverage) ratio | 8.4564% | 5,702 |
| Tier 1 risk-based capital ratio | 14.4738% | 4,120 |
| Total risk-based capital ratio | 15.6896% | 4,112 |
| Memoranda: | ||
| Average total assets | $461,066,330 | 1,444 |
| Average earning assets | $427,932,000 | 1,430 |
| Average equity | $40,076,670 | 1,742 |
| Average total loans | $237,567,000 | 1,735 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4370% | 6,771 |
| Cost of funding earning assets | 0.8299% | 3,229 |
| Net interest margin | 2.6072% | 6,868 |
| Noninterest income to average assets | 0.9444% | 1,584 |
| Noninterest expense to average assets | 3.1383% | 2,797 |
| Loan and lease loss provision to assets | 0.1126% | 3,950 |
| Net operating income to assets | 0.0717% | 6,293 |
| Return on assets (ROA) | 0.4089% | 5,402 |
| Pretax return on assets | 0.6217% | 5,045 |
| Return on Equity (ROE) | 4.6767% | 4,945 |
| Retained earnings to average equity (ytd only) | 4.6767% | 3,761 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3560% | 859 |
| Assets per employee ($millions) | 7.0852% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 4,427 |
| Loan loss allowance to noncurrent loans | 181.2808% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 5,871 |
| Noncurrent loans to loans | 0.7937% | 5,085 |
| Net loans and leases to total assets | 49.2600% | 5,395 |
| Net loans and leases to deposits | 63.5405% | 4,699 |
| Net loans and leases to core deposits | 74.3115% | 3,864 |
| Total domestic deposits to total assets | 77.5253% | 6,331 |
| Equity capital to assets | 8.7269% | 5,841 |
| Core capital (leverage) ratio | 8.5321% | 5,539 |
| Tier 1 risk-based capital ratio | 14.8121% | 3,882 |
| Total risk-based capital ratio | 16.0622% | 3,841 |
| Memoranda: | ||
| Average total assets | $454,902,500 | 1,469 |
| Average earning assets | $421,757,500 | 1,453 |
| Average equity | $39,772,000 | 1,747 |
| Average total loans | $223,295,500 | 1,831 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5190% | 6,985 |
| Cost of funding earning assets | 1.1367% | 2,433 |
| Net interest margin | 2.3823% | 7,110 |
| Noninterest income to average assets | 0.8069% | 2,025 |
| Noninterest expense to average assets | 2.9536% | 3,755 |
| Loan and lease loss provision to assets | 0.0920% | 5,443 |
| Net operating income to assets | -0.0167% | 6,065 |
| Return on assets (ROA) | 0.2988% | 5,412 |
| Pretax return on assets | 0.4653% | 5,092 |
| Return on Equity (ROE) | 3.5722% | 5,039 |
| Retained earnings to average equity (ytd only) | 3.5722% | 3,690 |
| Net charge-offs to loans | 0.0969% | 5,379 |
| Credit loss provision to net charge-offs | 209.3407% | 1,180 |
| Earnings coverage of net charge-offs (x) | 1.4615% | 4,672 |
| Efficiency ratio | 97.8706% | 731 |
| Assets per employee ($millions) | 7.0198% | 732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 4,144 |
| Loan loss allowance to noncurrent loans | 434.3793% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.1632% | 6,538 |
| Noncurrent loans to loans | 0.3387% | 6,052 |
| Net loans and leases to total assets | 47.4626% | 5,879 |
| Net loans and leases to deposits | 60.7773% | 5,397 |
| Net loans and leases to core deposits | 71.5122% | 4,589 |
| Total domestic deposits to total assets | 78.0927% | 6,174 |
| Equity capital to assets | 8.7594% | 5,840 |
| Core capital (leverage) ratio | 8.9131% | 4,909 |
| Tier 1 risk-based capital ratio | 15.3773% | 3,401 |
| Total risk-based capital ratio | 16.6275% | 3,356 |
| Memoranda: | ||
| Average total assets | $413,939,600 | 1,573 |
| Average earning assets | $384,169,200 | 1,542 |
| Average equity | $34,628,400 | 1,937 |
| Average total loans | $187,889,000 | 2,153 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5875% | 7,039 |
| Cost of funding earning assets | 1.1918% | 2,370 |
| Net interest margin | 2.3957% | 7,180 |
| Noninterest income to average assets | 0.7705% | 2,193 |
| Noninterest expense to average assets | 2.8953% | 3,952 |
| Loan and lease loss provision to assets | 0.0708% | 5,568 |
| Net operating income to assets | 0.0059% | 6,146 |
| Return on assets (ROA) | 0.3874% | 5,236 |
| Pretax return on assets | 0.6214% | 4,741 |
| Return on Equity (ROE) | 4.6918% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.6918% | 3,386 |
| Net charge-offs to loans | -0.0605% | 7,086 |
| Credit loss provision to net charge-offs | -262.1951% | 6,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7873% | 779 |
| Assets per employee ($millions) | 7.2893% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 3,400 |
| Loan loss allowance to noncurrent loans | 100.2137% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 5,250 |
| Noncurrent loans to loans | 1.6606% | 3,808 |
| Net loans and leases to total assets | 45.0944% | 6,232 |
| Net loans and leases to deposits | 58.1865% | 5,827 |
| Net loans and leases to core deposits | 68.8080% | 5,083 |
| Total domestic deposits to total assets | 77.4998% | 6,298 |
| Equity capital to assets | 9.2148% | 5,489 |
| Core capital (leverage) ratio | 9.1483% | 4,711 |
| Tier 1 risk-based capital ratio | 16.6780% | 2,770 |
| Total risk-based capital ratio | 17.9301% | 2,736 |
| Memoranda: | ||
| Average total assets | $405,108,250 | 1,610 |
| Average earning assets | $375,549,500 | 1,591 |
| Average equity | $33,447,250 | 1,997 |
| Average total loans | $180,757,000 | 2,254 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 7,099 |
| Cost of funding earning assets | 1.2249% | 2,411 |
| Net interest margin | 2.3770% | 7,245 |
| Noninterest income to average assets | 0.7707% | 2,156 |
| Noninterest expense to average assets | 2.8585% | 4,195 |
| Loan and lease loss provision to assets | 0.0580% | 5,589 |
| Net operating income to assets | 0.0448% | 6,132 |
| Return on assets (ROA) | 0.1719% | 5,926 |
| Pretax return on assets | 0.2722% | 5,738 |
| Return on Equity (ROE) | 2.1729% | 5,733 |
| Retained earnings to average equity (ytd only) | 2.1729% | 4,904 |
| Net charge-offs to loans | -0.1963% | 7,285 |
| Credit loss provision to net charge-offs | -66.8605% | 6,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6001% | 897 |
| Assets per employee ($millions) | 7.9600% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7710% | 3,091 |
| Loan loss allowance to noncurrent loans | 99.5740% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7939% | 5,308 |
| Noncurrent loans to loans | 1.7786% | 3,782 |
| Net loans and leases to total assets | 43.8449% | 6,448 |
| Net loans and leases to deposits | 55.7401% | 6,158 |
| Net loans and leases to core deposits | 66.3126% | 5,474 |
| Total domestic deposits to total assets | 78.6596% | 6,158 |
| Equity capital to assets | 7.9612% | 6,706 |
| Core capital (leverage) ratio | 7.6428% | 6,629 |
| Tier 1 risk-based capital ratio | 15.0171% | 3,487 |
| Total risk-based capital ratio | 16.2709% | 3,456 |
| Memoranda: | ||
| Average total assets | $396,787,330 | 1,657 |
| Average earning assets | $370,467,000 | 1,623 |
| Average equity | $31,386,330 | 2,102 |
| Average total loans | $175,269,330 | 2,345 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5060% | 7,206 |
| Cost of funding earning assets | 1.2568% | 2,458 |
| Net interest margin | 2.2492% | 7,335 |
| Noninterest income to average assets | 0.7511% | 2,252 |
| Noninterest expense to average assets | 2.7211% | 4,749 |
| Loan and lease loss provision to assets | 0.0979% | 4,782 |
| Net operating income to assets | 0.0187% | 6,315 |
| Return on assets (ROA) | 0.0649% | 6,239 |
| Pretax return on assets | 0.0938% | 6,183 |
| Return on Equity (ROE) | 0.8234% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.8234% | 5,501 |
| Net charge-offs to loans | -0.2135% | 7,268 |
| Credit loss provision to net charge-offs | -104.3956% | 5,724 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6191% | 943 |
| Assets per employee ($millions) | 7.8798% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7893% | 3,045 |
| Loan loss allowance to noncurrent loans | 94.8833% | 3,024 |
| Noncurrent assets plus other real estate owned to assets | 0.8156% | 5,270 |
| Noncurrent loans to loans | 1.8858% | 3,718 |
| Net loans and leases to total assets | 42.4772% | 6,579 |
| Net loans and leases to deposits | 52.9672% | 6,395 |
| Net loans and leases to core deposits | 61.9711% | 5,927 |
| Total domestic deposits to total assets | 80.1953% | 5,893 |
| Equity capital to assets | 7.6457% | 6,786 |
| Core capital (leverage) ratio | 7.9133% | 6,349 |
| Tier 1 risk-based capital ratio | 14.9423% | 3,456 |
| Total risk-based capital ratio | 16.1964% | 3,415 |
| Memoranda: | ||
| Average total assets | $388,221,000 | 1,699 |
| Average earning assets | $361,552,500 | 1,663 |
| Average equity | $30,603,000 | 2,142 |
| Average total loans | $170,526,500 | 2,429 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9293% | 7,181 |
| Cost of funding earning assets | 1.5873% | 2,146 |
| Net interest margin | 2.3420% | 7,347 |
| Noninterest income to average assets | 0.8432% | 2,088 |
| Noninterest expense to average assets | 3.1190% | 3,387 |
| Loan and lease loss provision to assets | 0.1877% | 5,352 |
| Net operating income to assets | -0.2127% | 6,129 |
| Return on assets (ROA) | 0.1585% | 5,569 |
| Pretax return on assets | 0.2505% | 5,354 |
| Return on Equity (ROE) | 1.6230% | 5,519 |
| Retained earnings to average equity (ytd only) | 1.6230% | 4,708 |
| Net charge-offs to loans | 0.3098% | 4,470 |
| Credit loss provision to net charge-offs | 126.7574% | 3,194 |
| Earnings coverage of net charge-offs (x) | -0.9569% | 6,592 |
| Efficiency ratio | 104.7598% | 651 |
| Assets per employee ($millions) | 7.6395% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8226% | 2,788 |
| Loan loss allowance to noncurrent loans | 746.5000% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 6,961 |
| Noncurrent loans to loans | 0.2442% | 6,572 |
| Net loans and leases to total assets | 43.8640% | 6,726 |
| Net loans and leases to deposits | 56.6229% | 6,389 |
| Net loans and leases to core deposits | 65.8710% | 5,889 |
| Total domestic deposits to total assets | 77.4668% | 6,407 |
| Equity capital to assets | 8.1479% | 6,325 |
| Core capital (leverage) ratio | 8.0774% | 6,065 |
| Tier 1 risk-based capital ratio | 14.8778% | 3,317 |
| Total risk-based capital ratio | 16.1320% | 3,275 |
| Memoranda: | ||
| Average total assets | $297,783,800 | 2,163 |
| Average earning assets | $271,345,800 | 2,172 |
| Average equity | $29,081,800 | 2,234 |
| Average total loans | $142,368,600 | 2,895 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0551% | 7,242 |
| Cost of funding earning assets | 1.6468% | 2,125 |
| Net interest margin | 2.4083% | 7,433 |
| Noninterest income to average assets | 0.8421% | 2,025 |
| Noninterest expense to average assets | 3.1575% | 3,079 |
| Loan and lease loss provision to assets | 0.1967% | 5,070 |
| Net operating income to assets | -0.2150% | 6,338 |
| Return on assets (ROA) | 0.2509% | 5,506 |
| Pretax return on assets | 0.3968% | 5,228 |
| Return on Equity (ROE) | 2.4374% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.4374% | 4,716 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4490% | 626 |
| Assets per employee ($millions) | 7.4845% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1216% | 1,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 45.9784% | 6,696 |
| Net loans and leases to deposits | 60.1695% | 6,301 |
| Net loans and leases to core deposits | 69.6201% | 5,783 |
| Total domestic deposits to total assets | 76.4147% | 6,585 |
| Equity capital to assets | 9.5509% | 4,766 |
| Core capital (leverage) ratio | 9.3959% | 4,060 |
| Tier 1 risk-based capital ratio | 18.0196% | 2,018 |
| Total risk-based capital ratio | 19.2783% | 1,979 |
| Memoranda: | ||
| Average total assets | $280,556,000 | 2,312 |
| Average earning assets | $254,058,000 | 2,337 |
| Average equity | $28,882,750 | 2,281 |
| Average total loans | $137,002,500 | 3,039 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0803% | 7,301 |
| Cost of funding earning assets | 1.6220% | 2,536 |
| Net interest margin | 2.4583% | 7,440 |
| Noninterest income to average assets | 0.8339% | 1,951 |
| Noninterest expense to average assets | 3.2319% | 2,796 |
| Loan and lease loss provision to assets | 0.2444% | 4,478 |
| Net operating income to assets | -0.3180% | 6,497 |
| Return on assets (ROA) | 0.0333% | 6,123 |
| Pretax return on assets | 0.0454% | 6,080 |
| Return on Equity (ROE) | 0.3140% | 6,128 |
| Retained earnings to average equity (ytd only) | 0.3140% | 5,634 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.2967% | 627 |
| Assets per employee ($millions) | 7.3845% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1588% | 1,847 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.7677% | 6,638 |
| Net loans and leases to deposits | 64.7570% | 5,942 |
| Net loans and leases to core deposits | 74.7657% | 5,357 |
| Total domestic deposits to total assets | 73.7646% | 6,998 |
| Equity capital to assets | 9.4348% | 4,811 |
| Core capital (leverage) ratio | 9.2784% | 4,160 |
| Tier 1 risk-based capital ratio | 16.6318% | 2,429 |
| Total risk-based capital ratio | 17.8912% | 2,373 |
| Memoranda: | ||
| Average total assets | $264,301,330 | 2,468 |
| Average earning assets | $237,238,000 | 2,513 |
| Average equity | $28,026,000 | 2,333 |
| Average total loans | $131,104,000 | 3,179 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0719% | 7,402 |
| Cost of funding earning assets | 1.5539% | 3,243 |
| Net interest margin | 2.5180% | 7,459 |
| Noninterest income to average assets | 0.8014% | 2,017 |
| Noninterest expense to average assets | 3.4635% | 2,072 |
| Loan and lease loss provision to assets | 0.2024% | 4,479 |
| Net operating income to assets | -0.4244% | 6,784 |
| Return on assets (ROA) | -0.4244% | 6,818 |
| Pretax return on assets | -0.6349% | 6,862 |
| Return on Equity (ROE) | -3.7469% | 6,805 |
| Retained earnings to average equity (ytd only) | -3.7469% | 6,469 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.2703% | 526 |
| Assets per employee ($millions) | 6.5753% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3083% | 1,566 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 46.9720% | 6,751 |
| Net loans and leases to deposits | 62.8936% | 6,183 |
| Net loans and leases to core deposits | 72.9079% | 5,619 |
| Total domestic deposits to total assets | 74.6849% | 6,951 |
| Equity capital to assets | 10.3166% | 3,450 |
| Core capital (leverage) ratio | 10.7387% | 2,425 |
| Tier 1 risk-based capital ratio | 17.3808% | 2,112 |
| Total risk-based capital ratio | 18.6412% | 2,080 |
| Memoranda: | ||
| Average total assets | $245,070,500 | 2,696 |
| Average earning assets | $217,001,000 | 2,781 |
| Average equity | $27,756,500 | 2,388 |
| Average total loans | $122,749,000 | 3,411 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 7,361 |
| Cost of funding earning assets | 1.7298% | 4,358 |
| Net interest margin | 2.7945% | 7,072 |
| Noninterest income to average assets | 0.7446% | 2,711 |
| Noninterest expense to average assets | 4.0074% | 1,353 |
| Loan and lease loss provision to assets | 0.9491% | 2,372 |
| Net operating income to assets | -1.1276% | 6,661 |
| Return on assets (ROA) | -0.7316% | 6,386 |
| Pretax return on assets | -1.1390% | 6,502 |
| Return on Equity (ROE) | -4.5214% | 6,166 |
| Retained earnings to average equity (ytd only) | -4.5214% | 5,953 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.2790% | 523 |
| Assets per employee ($millions) | 5.6553% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4751% | 1,265 |
| Loan loss allowance to noncurrent loans | 1,862.3377% | 214 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 7,321 |
| Noncurrent loans to loans | 0.1329% | 7,101 |
| Net loans and leases to total assets | 51.2380% | 6,507 |
| Net loans and leases to deposits | 73.2719% | 5,153 |
| Net loans and leases to core deposits | 97.4131% | 4,296 |
| Total domestic deposits to total assets | 69.9286% | 7,433 |
| Equity capital to assets | 12.5597% | 1,722 |
| Core capital (leverage) ratio | 12.3499% | 1,512 |
| Tier 1 risk-based capital ratio | 19.9591% | 1,469 |
| Total risk-based capital ratio | 21.2216% | 1,429 |
| Memoranda: | ||
| Average total assets | $176,474,400 | 3,495 |
| Average earning assets | $154,984,600 | 3,612 |
| Average equity | $28,553,000 | 2,328 |
| Average total loans | $100,368,800 | 3,938 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 7,433 |
| Cost of funding earning assets | 1.7693% | 4,530 |
| Net interest margin | 2.8112% | 7,038 |
| Noninterest income to average assets | 0.6842% | 3,125 |
| Noninterest expense to average assets | 4.1130% | 1,123 |
| Loan and lease loss provision to assets | 0.7881% | 2,399 |
| Net operating income to assets | -1.1202% | 6,916 |
| Return on assets (ROA) | -0.7373% | 6,649 |
| Pretax return on assets | -1.1427% | 6,787 |
| Return on Equity (ROE) | -4.2410% | 6,364 |
| Retained earnings to average equity (ytd only) | -4.2410% | 6,143 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.7737% | 478 |
| Assets per employee ($millions) | 5.1794% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0012% | 1,800 |
| Loan loss allowance to noncurrent loans | 1,392.3077% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0793% | 7,354 |
| Noncurrent loans to loans | 0.1437% | 7,117 |
| Net loans and leases to total assets | 54.0418% | 6,376 |
| Net loans and leases to deposits | 75.2714% | 5,167 |
| Net loans and leases to core deposits | 94.8315% | 4,952 |
| Total domestic deposits to total assets | 71.7960% | 7,230 |
| Equity capital to assets | 14.4541% | 1,156 |
| Core capital (leverage) ratio | 13.9764% | 1,096 |
| Tier 1 risk-based capital ratio | 21.2451% | 1,338 |
| Total risk-based capital ratio | 22.5021% | 1,316 |
| Memoranda: | ||
| Average total assets | $165,454,250 | 3,700 |
| Average earning assets | $146,268,500 | 3,792 |
| Average equity | $28,766,000 | 2,339 |
| Average total loans | $96,492,000 | 4,074 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6228% | 7,494 |
| Cost of funding earning assets | 1.8101% | 4,710 |
| Net interest margin | 2.8127% | 6,989 |
| Noninterest income to average assets | 0.6103% | 3,604 |
| Noninterest expense to average assets | 4.1084% | 1,180 |
| Loan and lease loss provision to assets | 0.4490% | 3,291 |
| Net operating income to assets | -0.9375% | 6,923 |
| Return on assets (ROA) | -0.7974% | 6,830 |
| Pretax return on assets | -1.2194% | 6,951 |
| Return on Equity (ROE) | -4.2810% | 6,517 |
| Retained earnings to average equity (ytd only) | -4.2810% | 6,183 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.5702% | 512 |
| Assets per employee ($millions) | 4.9288% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5006% | 3,194 |
| Loan loss allowance to noncurrent loans | 975.9494% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 7,353 |
| Noncurrent loans to loans | 0.1538% | 7,140 |
| Net loans and leases to total assets | 58.6735% | 5,878 |
| Net loans and leases to deposits | 87.1253% | 3,333 |
| Net loans and leases to core deposits | 106.5835% | 3,769 |
| Total domestic deposits to total assets | 67.3437% | 7,661 |
| Equity capital to assets | 16.6246% | 726 |
| Core capital (leverage) ratio | 15.6451% | 796 |
| Tier 1 risk-based capital ratio | 23.8833% | 1,048 |
| Total risk-based capital ratio | 25.1343% | 1,027 |
| Memoranda: | ||
| Average total assets | $155,000,330 | 3,926 |
| Average earning assets | $138,444,000 | 3,981 |
| Average equity | $28,872,000 | 2,343 |
| Average total loans | $92,477,670 | 4,219 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 7,613 |
| Cost of funding earning assets | 1.8616% | 4,824 |
| Net interest margin | 2.7481% | 7,096 |
| Noninterest income to average assets | 0.4978% | 4,334 |
| Noninterest expense to average assets | 3.7635% | 1,542 |
| Loan and lease loss provision to assets | 0.5388% | 2,316 |
| Net operating income to assets | -0.8860% | 7,177 |
| Return on assets (ROA) | -0.8698% | 7,196 |
| Pretax return on assets | -1.3211% | 7,308 |
| Return on Equity (ROE) | -4.3910% | 6,924 |
| Retained earnings to average equity (ytd only) | -4.3910% | 6,471 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.2895% | 534 |
| Assets per employee ($millions) | 5.1418% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4597% | 3,178 |
| Loan loss allowance to noncurrent loans | 858.0247% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 7,274 |
| Noncurrent loans to loans | 0.1701% | 7,038 |
| Net loans and leases to total assets | 60.8306% | 5,524 |
| Net loans and leases to deposits | 89.4704% | 3,018 |
| Net loans and leases to core deposits | 102.1946% | 4,323 |
| Total domestic deposits to total assets | 67.9896% | 7,597 |
| Equity capital to assets | 18.7264% | 517 |
| Core capital (leverage) ratio | 18.2878% | 523 |
| Tier 1 risk-based capital ratio | 25.4665% | 935 |
| Total risk-based capital ratio | 26.7176% | 911 |
| Memoranda: | ||
| Average total assets | $146,246,000 | 4,073 |
| Average earning assets | $130,856,000 | 4,138 |
| Average equity | $28,968,500 | 2,350 |
| Average total loans | $87,337,000 | 4,379 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8112% | 7,941 |
| Cost of funding earning assets | 1.6527% | 7,348 |
| Net interest margin | 3.1585% | 6,499 |
| Noninterest income to average assets | 0.3804% | 5,639 |
| Noninterest expense to average assets | 4.4001% | 958 |
| Loan and lease loss provision to assets | 0.8513% | 1,751 |
| Net operating income to assets | -1.3815% | 7,419 |
| Return on assets (ROA) | -1.3815% | 7,364 |
| Pretax return on assets | -2.0779% | 7,460 |
| Return on Equity (ROE) | -4.5026% | 6,809 |
| Retained earnings to average equity (ytd only) | -4.5026% | 6,419 |
| Net charge-offs to loans | 0.2362% | 3,887 |
| Credit loss provision to net charge-offs | 572.7273% | 762 |
| Earnings coverage of net charge-offs (x) | -8.2517% | 6,880 |
| Efficiency ratio | 138.6505% | 408 |
| Assets per employee ($millions) | 5.7600% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5016% | 2,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 56.6107% | 6,370 |
| Net loans and leases to deposits | 88.4021% | 3,741 |
| Net loans and leases to core deposits | 100.6469% | 4,763 |
| Total domestic deposits to total assets | 64.0376% | 7,794 |
| Equity capital to assets | 21.0151% | 401 |
| Core capital (leverage) ratio | 22.1371% | 334 |
| Tier 1 risk-based capital ratio | 30.9776% | 593 |
| Total risk-based capital ratio | 32.2304% | 582 |
| Memoranda: | ||
| Average total assets | $96,202,400 | 5,164 |
| Average earning assets | $85,072,400 | 5,269 |
| Average equity | $29,516,200 | 2,290 |
| Average total loans | $60,548,800 | 5,241 |