Home > First Bank Richmond > Performance and Condition Ratios
First Bank Richmond, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0799% | 1,900 |
| Cost of funding earning assets | 2.2710% | 575 |
| Net interest margin | 2.8090% | 3,643 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 2.1144% | 3,375 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 0.7430% | 3,068 |
| Return on assets (ROA) | 0.7430% | 3,051 |
| Pretax return on assets | 0.8884% | 2,994 |
| Return on Equity (ROE) | 9.7400% | 2,574 |
| Retained earnings to average equity (ytd only) | 9.7414% | 1,075 |
| Net charge-offs to loans | 0.0648% | 1,202 |
| Credit loss provision to net charge-offs | 186.4307% | 1,278 |
| Earnings coverage of net charge-offs (x) | 19.0280% | 1,911 |
| Efficiency ratio | 69.5286% | 1,949 |
| Assets per employee ($millions) | 8.2799% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4132% | 1,344 |
| Loan loss allowance to noncurrent loans | 195.8120% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5582% | 1,007 |
| Noncurrent loans to loans | 0.7217% | 1,079 |
| Net loans and leases to total assets | 74.9800% | 1,248 |
| Net loans and leases to deposits | 103.3367% | 395 |
| Net loans and leases to core deposits | 149.0996% | 207 |
| Total domestic deposits to total assets | 72.5600% | 4,197 |
| Equity capital to assets | 7.9929% | 3,424 |
| Core capital (leverage) ratio | 10.6394% | 2,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1012% | 1,833 |
| Memoranda: | ||
| Average total assets | $1,392,206,600 | 755 |
| Average earning assets | $1,325,609,400 | 730 |
| Average equity | $106,186,200 | 909 |
| Average total loans | $1,046,178,400 | 701 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9658% | 1,900 |
| Cost of funding earning assets | 2.1139% | 578 |
| Net interest margin | 2.8519% | 3,637 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.1066% | 3,341 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7877% | 3,066 |
| Return on assets (ROA) | 0.7877% | 3,061 |
| Pretax return on assets | 0.9505% | 2,975 |
| Return on Equity (ROE) | 10.4600% | 2,511 |
| Retained earnings to average equity (ytd only) | 10.4604% | 1,275 |
| Net charge-offs to loans | 0.0564% | 1,104 |
| Credit loss provision to net charge-offs | 196.1009% | 1,141 |
| Earnings coverage of net charge-offs (x) | 23.0206% | 1,745 |
| Efficiency ratio | 68.4143% | 1,972 |
| Assets per employee ($millions) | 8.0537% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 1,334 |
| Loan loss allowance to noncurrent loans | 194.6978% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.6064% | 972 |
| Noncurrent loans to loans | 0.7346% | 1,123 |
| Net loans and leases to total assets | 75.3500% | 1,193 |
| Net loans and leases to deposits | 99.7748% | 525 |
| Net loans and leases to core deposits | 149.6929% | 150 |
| Total domestic deposits to total assets | 75.5200% | 4,060 |
| Equity capital to assets | 6.8486% | 3,686 |
| Core capital (leverage) ratio | 10.7086% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7290% | 1,994 |
| Memoranda: | ||
| Average total assets | $1,375,943,000 | 762 |
| Average earning assets | $1,309,658,500 | 739 |
| Average equity | $103,613,500 | 918 |
| Average total loans | $1,030,633,750 | 708 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8386% | 1,907 |
| Cost of funding earning assets | 1.9092% | 592 |
| Net interest margin | 2.9294% | 3,593 |
| Noninterest income to average assets | 0.3700% | 2,628 |
| Noninterest expense to average assets | 2.0649% | 3,432 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8785% | 2,826 |
| Return on assets (ROA) | 0.8785% | 2,817 |
| Pretax return on assets | 1.0647% | 2,738 |
| Return on Equity (ROE) | 11.3100% | 2,348 |
| Retained earnings to average equity (ytd only) | 11.3108% | 1,126 |
| Net charge-offs to loans | 0.0270% | 1,350 |
| Credit loss provision to net charge-offs | 329.1971% | 814 |
| Earnings coverage of net charge-offs (x) | 54.2263% | 1,243 |
| Efficiency ratio | 65.4336% | 2,318 |
| Assets per employee ($millions) | 7.6732% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 1,339 |
| Loan loss allowance to noncurrent loans | 180.4338% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 861 |
| Noncurrent loans to loans | 0.8054% | 946 |
| Net loans and leases to total assets | 74.3300% | 1,243 |
| Net loans and leases to deposits | 98.4439% | 584 |
| Net loans and leases to core deposits | 145.1008% | 170 |
| Total domestic deposits to total assets | 75.5000% | 4,084 |
| Equity capital to assets | 7.5811% | 3,478 |
| Core capital (leverage) ratio | 10.8100% | 2,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0237% | 1,888 |
| Memoranda: | ||
| Average total assets | $1,362,106,667 | 761 |
| Average earning assets | $1,297,114,667 | 736 |
| Average equity | $105,793,000 | 899 |
| Average total loans | $1,013,007,333 | 703 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 1,732 |
| Cost of funding earning assets | 1.6920% | 588 |
| Net interest margin | 3.0608% | 3,436 |
| Noninterest income to average assets | 0.3600% | 2,656 |
| Noninterest expense to average assets | 2.0921% | 3,401 |
| Loan and lease loss provision to assets | 0.0500% | 1,764 |
| Net operating income to assets | 0.9342% | 2,737 |
| Return on assets (ROA) | 0.9342% | 2,695 |
| Pretax return on assets | 1.1328% | 2,616 |
| Return on Equity (ROE) | 11.8800% | 2,248 |
| Retained earnings to average equity (ytd only) | 11.8790% | 1,292 |
| Net charge-offs to loans | -0.0315% | 4,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 63.8681% | 2,478 |
| Assets per employee ($millions) | 7.5003% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5421% | 1,143 |
| Loan loss allowance to noncurrent loans | 179.7981% | 2,770 |
| Noncurrent assets plus other real estate owned to assets | 0.6618% | 749 |
| Noncurrent loans to loans | 0.8577% | 885 |
| Net loans and leases to total assets | 72.8700% | 1,333 |
| Net loans and leases to deposits | 93.8476% | 796 |
| Net loans and leases to core deposits | 138.2027% | 197 |
| Total domestic deposits to total assets | 77.6500% | 4,038 |
| Equity capital to assets | 7.9720% | 3,262 |
| Core capital (leverage) ratio | 10.9487% | 1,883 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3930% | 1,832 |
| Memoranda: | ||
| Average total assets | $1,341,064,000 | 781 |
| Average earning assets | $1,277,036,000 | 757 |
| Average equity | $105,463,000 | 911 |
| Average total loans | $989,979,500 | 729 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2562% | 1,148 |
| Cost of funding earning assets | 0.8542% | 318 |
| Net interest margin | 3.4019% | 2,252 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 2.2077% | 3,005 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.1377% | 2,022 |
| Return on assets (ROA) | 1.1377% | 1,970 |
| Pretax return on assets | 1.4050% | 1,754 |
| Return on Equity (ROE) | 11.8300% | 2,201 |
| Retained earnings to average equity (ytd only) | -4.4565% | 4,561 |
| Net charge-offs to loans | 0.0327% | 1,418 |
| Credit loss provision to net charge-offs | 203.3898% | 1,109 |
| Earnings coverage of net charge-offs (x) | 62.8508% | 1,222 |
| Efficiency ratio | 60.3240% | 3,011 |
| Assets per employee ($millions) | 7.3181% | 1,741 |
| Cash dividends to net income (ytd only)* | 137.6652% | 94 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 2,025 |
| Loan loss allowance to noncurrent loans | 135.2768% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.6971% | 693 |
| Noncurrent loans to loans | 0.9409% | 788 |
| Net loans and leases to total assets | 72.6900% | 1,345 |
| Net loans and leases to deposits | 93.1972% | 832 |
| Net loans and leases to core deposits | 121.0519% | 355 |
| Total domestic deposits to total assets | 77.9900% | 4,093 |
| Equity capital to assets | 7.7535% | 3,215 |
| Core capital (leverage) ratio | 11.2010% | 1,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3099% | 1,847 |
| Memoranda: | ||
| Average total assets | $1,276,918,600 | 802 |
| Average earning assets | $1,218,160,800 | 781 |
| Average equity | $122,786,800 | 796 |
| Average total loans | $903,440,400 | 749 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 979 |
| Cost of funding earning assets | 0.7255% | 232 |
| Net interest margin | 3.4217% | 1,911 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.1819% | 2,981 |
| Loan and lease loss provision to assets | 0.0600% | 1,588 |
| Net operating income to assets | 1.1541% | 1,880 |
| Return on assets (ROA) | 1.1541% | 1,854 |
| Pretax return on assets | 1.4259% | 1,643 |
| Return on Equity (ROE) | 11.4200% | 2,236 |
| Retained earnings to average equity (ytd only) | -9.4410% | 4,668 |
| Net charge-offs to loans | 0.0229% | 1,372 |
| Credit loss provision to net charge-offs | 394.7368% | 713 |
| Earnings coverage of net charge-offs (x) | 92.9539% | 976 |
| Efficiency ratio | 59.4344% | 3,194 |
| Assets per employee ($millions) | 6.9313% | 1,998 |
| Cash dividends to net income (ytd only)* | 182.6484% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 1,796 |
| Loan loss allowance to noncurrent loans | 147.1291% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6744% | 771 |
| Noncurrent loans to loans | 0.9191% | 851 |
| Net loans and leases to total assets | 71.8200% | 1,315 |
| Net loans and leases to deposits | 92.8380% | 709 |
| Net loans and leases to core deposits | 122.9198% | 211 |
| Total domestic deposits to total assets | 77.3600% | 4,301 |
| Equity capital to assets | 7.3139% | 3,328 |
| Core capital (leverage) ratio | 11.2873% | 1,560 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7400% | 1,795 |
| Memoranda: | ||
| Average total assets | $1,265,003,000 | 816 |
| Average earning assets | $1,207,440,000 | 793 |
| Average equity | $127,808,000 | 781 |
| Average total loans | $885,503,500 | 759 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 872 |
| Cost of funding earning assets | 0.6400% | 221 |
| Net interest margin | 3.4018% | 1,601 |
| Noninterest income to average assets | 0.4051% | 2,726 |
| Noninterest expense to average assets | 2.1079% | 3,127 |
| Loan and lease loss provision to assets | 0.0634% | 1,463 |
| Net operating income to assets | 1.2000% | 1,428 |
| Return on assets (ROA) | 1.2000% | 1,413 |
| Pretax return on assets | 1.4880% | 1,205 |
| Return on Equity (ROE) | 10.8658% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.8658% | 803 |
| Net charge-offs to loans | 0.0292% | 1,145 |
| Credit loss provision to net charge-offs | 314.9606% | 785 |
| Earnings coverage of net charge-offs (x) | 77.0551% | 953 |
| Efficiency ratio | 57.6033% | 3,614 |
| Assets per employee ($millions) | 7.1626% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 1,892 |
| Loan loss allowance to noncurrent loans | 153.3251% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 0.6369% | 867 |
| Noncurrent loans to loans | 0.8920% | 945 |
| Net loans and leases to total assets | 70.4254% | 1,261 |
| Net loans and leases to deposits | 93.4594% | 543 |
| Net loans and leases to core deposits | 119.6612% | 199 |
| Total domestic deposits to total assets | 75.3540% | 4,491 |
| Equity capital to assets | 9.9282% | 1,746 |
| Core capital (leverage) ratio | 12.7421% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7192% | 1,248 |
| Memoranda: | ||
| Average total assets | $1,261,548,000 | 814 |
| Average earning assets | $1,206,830,667 | 794 |
| Average equity | $139,317,667 | 726 |
| Average total loans | $871,159,667 | 755 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9618% | 832 |
| Cost of funding earning assets | 0.6380% | 210 |
| Net interest margin | 3.3238% | 1,519 |
| Noninterest income to average assets | 0.3926% | 2,744 |
| Noninterest expense to average assets | 2.1360% | 3,021 |
| Loan and lease loss provision to assets | 0.0636% | 1,276 |
| Net operating income to assets | 1.1316% | 1,435 |
| Return on assets (ROA) | 1.1316% | 1,431 |
| Pretax return on assets | 1.3776% | 1,305 |
| Return on Equity (ROE) | 9.7506% | 2,071 |
| Retained earnings to average equity (ytd only) | 9.7506% | 1,086 |
| Net charge-offs to loans | -0.0042% | 3,292 |
| Credit loss provision to net charge-offs | -2,222.2222% | 3,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7121% | 3,515 |
| Assets per employee ($millions) | 7.0756% | 1,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,806 |
| Loan loss allowance to noncurrent loans | 154.9113% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.6417% | 930 |
| Noncurrent loans to loans | 0.9214% | 995 |
| Net loans and leases to total assets | 67.9209% | 1,219 |
| Net loans and leases to deposits | 91.5577% | 453 |
| Net loans and leases to core deposits | 113.3100% | 201 |
| Total domestic deposits to total assets | 74.1837% | 4,566 |
| Equity capital to assets | 10.8401% | 1,414 |
| Core capital (leverage) ratio | 12.6435% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8129% | 1,306 |
| Memoranda: | ||
| Average total assets | $1,258,428,000 | 823 |
| Average earning assets | $1,205,725,500 | 802 |
| Average equity | $146,042,500 | 723 |
| Average total loans | $854,126,500 | 757 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 1,198 |
| Cost of funding earning assets | 0.6880% | 343 |
| Net interest margin | 3.3905% | 2,060 |
| Noninterest income to average assets | 0.4916% | 2,612 |
| Noninterest expense to average assets | 2.2141% | 3,032 |
| Loan and lease loss provision to assets | 0.1211% | 1,021 |
| Net operating income to assets | 1.1286% | 2,178 |
| Return on assets (ROA) | 1.1324% | 2,219 |
| Pretax return on assets | 1.3927% | 2,080 |
| Return on Equity (ROE) | 8.5338% | 3,071 |
| Retained earnings to average equity (ytd only) | 2.1515% | 3,940 |
| Net charge-offs to loans | -0.0116% | 3,795 |
| Credit loss provision to net charge-offs | -1,554.3478% | 4,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4673% | 3,229 |
| Assets per employee ($millions) | 7.3091% | 1,717 |
| Cash dividends to net income (ytd only)* | 74.7887% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 1,798 |
| Loan loss allowance to noncurrent loans | 150.7658% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.6373% | 1,027 |
| Noncurrent loans to loans | 0.9501% | 1,062 |
| Net loans and leases to total assets | 65.8929% | 1,482 |
| Net loans and leases to deposits | 90.2840% | 557 |
| Net loans and leases to core deposits | 112.6223% | 250 |
| Total domestic deposits to total assets | 72.9840% | 4,619 |
| Equity capital to assets | 12.3629% | 1,101 |
| Core capital (leverage) ratio | 12.5273% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2631% | 1,198 |
| Memoranda: | ||
| Average total assets | $1,180,762,200 | 839 |
| Average earning assets | $1,125,398,000 | 819 |
| Average equity | $156,682,000 | 688 |
| Average total loans | $794,492,400 | 800 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0967% | 1,307 |
| Cost of funding earning assets | 0.6989% | 387 |
| Net interest margin | 3.3978% | 2,159 |
| Noninterest income to average assets | 0.5293% | 2,502 |
| Noninterest expense to average assets | 2.1814% | 3,131 |
| Loan and lease loss provision to assets | 0.1644% | 666 |
| Net operating income to assets | 1.1460% | 2,385 |
| Return on assets (ROA) | 1.1512% | 2,420 |
| Pretax return on assets | 1.4217% | 2,249 |
| Return on Equity (ROE) | 8.5167% | 3,252 |
| Retained earnings to average equity (ytd only) | 0.0119% | 4,559 |
| Net charge-offs to loans | 0.0285% | 1,482 |
| Credit loss provision to net charge-offs | 856.2874% | 562 |
| Earnings coverage of net charge-offs (x) | 82.2814% | 969 |
| Efficiency ratio | 58.0004% | 3,260 |
| Assets per employee ($millions) | 7.0165% | 1,858 |
| Cash dividends to net income (ytd only)* | 99.8602% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 1,758 |
| Loan loss allowance to noncurrent loans | 139.2362% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 1,075 |
| Noncurrent loans to loans | 1.0533% | 1,077 |
| Net loans and leases to total assets | 64.8338% | 1,668 |
| Net loans and leases to deposits | 94.0044% | 416 |
| Net loans and leases to core deposits | 110.0554% | 324 |
| Total domestic deposits to total assets | 68.9688% | 4,760 |
| Equity capital to assets | 12.3850% | 1,228 |
| Core capital (leverage) ratio | 12.7579% | 907 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6257% | 1,212 |
| Memoranda: | ||
| Average total assets | $1,159,835,000 | 862 |
| Average earning assets | $1,103,165,500 | 839 |
| Average equity | $156,771,250 | 696 |
| Average total loans | $781,789,250 | 829 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0723% | 1,399 |
| Cost of funding earning assets | 0.7079% | 449 |
| Net interest margin | 3.3644% | 2,261 |
| Noninterest income to average assets | 0.5946% | 2,238 |
| Noninterest expense to average assets | 2.2224% | 3,008 |
| Loan and lease loss provision to assets | 0.1636% | 711 |
| Net operating income to assets | 1.1336% | 2,422 |
| Return on assets (ROA) | 1.1390% | 2,467 |
| Pretax return on assets | 1.4111% | 2,298 |
| Return on Equity (ROE) | 8.1800% | 3,359 |
| Retained earnings to average equity (ytd only) | 8.1800% | 2,009 |
| Net charge-offs to loans | 0.0220% | 1,506 |
| Credit loss provision to net charge-offs | 1,094.1176% | 447 |
| Earnings coverage of net charge-offs (x) | 104.8824% | 728 |
| Efficiency ratio | 58.6330% | 3,199 |
| Assets per employee ($millions) | 6.6626% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4328% | 1,842 |
| Loan loss allowance to noncurrent loans | 147.5920% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.6531% | 1,275 |
| Noncurrent loans to loans | 0.9708% | 1,271 |
| Net loans and leases to total assets | 66.3063% | 1,664 |
| Net loans and leases to deposits | 97.0269% | 352 |
| Net loans and leases to core deposits | 110.8160% | 340 |
| Total domestic deposits to total assets | 68.3381% | 4,784 |
| Equity capital to assets | 13.6148% | 805 |
| Core capital (leverage) ratio | 13.6786% | 679 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0559% | 949 |
| Memoranda: | ||
| Average total assets | $1,137,150,667 | 871 |
| Average earning assets | $1,080,134,000 | 850 |
| Average equity | $158,337,000 | 682 |
| Average total loans | $773,074,000 | 835 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 1,329 |
| Cost of funding earning assets | 0.7174% | 513 |
| Net interest margin | 3.4109% | 2,080 |
| Noninterest income to average assets | 0.5953% | 2,232 |
| Noninterest expense to average assets | 2.2848% | 2,839 |
| Loan and lease loss provision to assets | 0.1438% | 923 |
| Net operating income to assets | 1.1280% | 2,391 |
| Return on assets (ROA) | 1.1280% | 2,464 |
| Pretax return on assets | 1.3987% | 2,281 |
| Return on Equity (ROE) | 8.0065% | 3,314 |
| Retained earnings to average equity (ytd only) | 8.0065% | 2,230 |
| Net charge-offs to loans | 0.0142% | 1,461 |
| Credit loss provision to net charge-offs | 1,481.4815% | 323 |
| Earnings coverage of net charge-offs (x) | 158.9259% | 468 |
| Efficiency ratio | 59.6976% | 3,067 |
| Assets per employee ($millions) | 6.5214% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 1,894 |
| Loan loss allowance to noncurrent loans | 133.6789% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 1,292 |
| Noncurrent loans to loans | 1.0581% | 1,272 |
| Net loans and leases to total assets | 66.9297% | 1,673 |
| Net loans and leases to deposits | 96.9599% | 378 |
| Net loans and leases to core deposits | 108.1209% | 457 |
| Total domestic deposits to total assets | 69.0282% | 4,785 |
| Equity capital to assets | 13.7142% | 736 |
| Core capital (leverage) ratio | 14.1853% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7746% | 701 |
| Memoranda: | ||
| Average total assets | $1,112,750,500 | 877 |
| Average earning assets | $1,054,395,500 | 859 |
| Average equity | $156,773,000 | 681 |
| Average total loans | $760,715,500 | 841 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2979% | 1,879 |
| Cost of funding earning assets | 0.9489% | 718 |
| Net interest margin | 3.3490% | 2,929 |
| Noninterest income to average assets | 0.6640% | 1,973 |
| Noninterest expense to average assets | 2.1688% | 3,759 |
| Loan and lease loss provision to assets | 0.3578% | 952 |
| Net operating income to assets | 1.0403% | 2,138 |
| Return on assets (ROA) | 1.0552% | 2,221 |
| Pretax return on assets | 1.3256% | 1,902 |
| Return on Equity (ROE) | 7.4279% | 3,026 |
| Retained earnings to average equity (ytd only) | 7.4279% | 1,222 |
| Net charge-offs to loans | 0.0373% | 2,308 |
| Credit loss provision to net charge-offs | 1,380.9524% | 607 |
| Earnings coverage of net charge-offs (x) | 64.2527% | 1,037 |
| Efficiency ratio | 56.5742% | 3,909 |
| Assets per employee ($millions) | 6.3780% | 2,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4178% | 1,897 |
| Loan loss allowance to noncurrent loans | 226.1483% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.4347% | 2,277 |
| Noncurrent loans to loans | 0.6269% | 2,127 |
| Net loans and leases to total assets | 67.8857% | 1,841 |
| Net loans and leases to deposits | 100.5736% | 349 |
| Net loans and leases to core deposits | 111.4620% | 471 |
| Total domestic deposits to total assets | 67.4985% | 4,824 |
| Equity capital to assets | 14.4830% | 682 |
| Core capital (leverage) ratio | 14.2832% | 638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8963% | 592 |
| Memoranda: | ||
| Average total assets | $1,053,647,400 | 842 |
| Average earning assets | $997,232,000 | 817 |
| Average equity | $149,679,600 | 679 |
| Average total loans | $731,693,400 | 848 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2907% | 2,129 |
| Cost of funding earning assets | 0.9972% | 766 |
| Net interest margin | 3.2935% | 3,215 |
| Noninterest income to average assets | 0.6401% | 2,022 |
| Noninterest expense to average assets | 2.1567% | 3,790 |
| Loan and lease loss provision to assets | 0.3607% | 1,035 |
| Net operating income to assets | 0.9861% | 2,387 |
| Return on assets (ROA) | 1.0058% | 2,445 |
| Pretax return on assets | 1.2659% | 2,175 |
| Return on Equity (ROE) | 7.1165% | 3,147 |
| Retained earnings to average equity (ytd only) | 7.1165% | 1,638 |
| Net charge-offs to loans | 0.0201% | 2,453 |
| Credit loss provision to net charge-offs | 2,572.7273% | 392 |
| Earnings coverage of net charge-offs (x) | 114.2273% | 724 |
| Efficiency ratio | 57.3851% | 3,752 |
| Assets per employee ($millions) | 6.2006% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,195 |
| Loan loss allowance to noncurrent loans | 290.8956% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.3229% | 2,854 |
| Noncurrent loans to loans | 0.4434% | 2,720 |
| Net loans and leases to total assets | 71.2099% | 1,787 |
| Net loans and leases to deposits | 107.3895% | 282 |
| Net loans and leases to core deposits | 120.7294% | 397 |
| Total domestic deposits to total assets | 66.3099% | 4,844 |
| Equity capital to assets | 14.5183% | 727 |
| Core capital (leverage) ratio | 13.8684% | 743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1283% | 771 |
| Memoranda: | ||
| Average total assets | $1,045,994,000 | 828 |
| Average earning assets | $990,341,000 | 808 |
| Average equity | $147,841,000 | 676 |
| Average total loans | $727,955,750 | 845 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2792% | 2,525 |
| Cost of funding earning assets | 1.0290% | 904 |
| Net interest margin | 3.2502% | 3,522 |
| Noninterest income to average assets | 0.5803% | 2,210 |
| Noninterest expense to average assets | 2.1179% | 3,992 |
| Loan and lease loss provision to assets | 0.2933% | 1,466 |
| Net operating income to assets | 0.9849% | 2,381 |
| Return on assets (ROA) | 0.9968% | 2,467 |
| Pretax return on assets | 1.2597% | 2,151 |
| Return on Equity (ROE) | 7.1180% | 3,090 |
| Retained earnings to average equity (ytd only) | 7.1180% | 1,613 |
| Net charge-offs to loans | 0.0273% | 2,174 |
| Credit loss provision to net charge-offs | 1,561.2245% | 585 |
| Earnings coverage of net charge-offs (x) | 81.8571% | 793 |
| Efficiency ratio | 57.9339% | 3,698 |
| Assets per employee ($millions) | 6.6326% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1168% | 2,953 |
| Loan loss allowance to noncurrent loans | 197.4739% | 2,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 2,772 |
| Noncurrent loans to loans | 0.5655% | 2,464 |
| Net loans and leases to total assets | 66.1343% | 2,608 |
| Net loans and leases to deposits | 96.4228% | 761 |
| Net loans and leases to core deposits | 121.4440% | 390 |
| Total domestic deposits to total assets | 68.5878% | 4,829 |
| Equity capital to assets | 13.1723% | 1,089 |
| Core capital (leverage) ratio | 13.4291% | 893 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0736% | 768 |
| Memoranda: | ||
| Average total assets | $1,043,289,333 | 816 |
| Average earning assets | $987,187,000 | 798 |
| Average equity | $146,108,333 | 673 |
| Average total loans | $717,128,333 | 841 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4472% | 2,453 |
| Cost of funding earning assets | 1.0909% | 1,076 |
| Net interest margin | 3.3563% | 3,432 |
| Noninterest income to average assets | 0.3616% | 3,353 |
| Noninterest expense to average assets | 2.2177% | 3,965 |
| Loan and lease loss provision to assets | 0.0845% | 2,635 |
| Net operating income to assets | 0.9876% | 2,220 |
| Return on assets (ROA) | 1.0095% | 2,249 |
| Pretax return on assets | 1.2810% | 1,927 |
| Return on Equity (ROE) | 6.9709% | 2,964 |
| Retained earnings to average equity (ytd only) | 6.9709% | 1,547 |
| Net charge-offs to loans | -0.0040% | 3,795 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,781 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3756% | 3,454 |
| Assets per employee ($millions) | 5.8470% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 3,437 |
| Loan loss allowance to noncurrent loans | 188.2990% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3890% | 2,887 |
| Noncurrent loans to loans | 0.5589% | 2,603 |
| Net loans and leases to total assets | 68.2970% | 2,501 |
| Net loans and leases to deposits | 105.5257% | 307 |
| Net loans and leases to core deposits | 122.3651% | 406 |
| Total domestic deposits to total assets | 64.7207% | 4,982 |
| Equity capital to assets | 14.5837% | 866 |
| Core capital (leverage) ratio | 14.3053% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1438% | 962 |
| Memoranda: | ||
| Average total assets | $994,529,000 | 823 |
| Average earning assets | $946,396,500 | 797 |
| Average equity | $144,027,000 | 679 |
| Average total loans | $694,198,500 | 845 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6267% | 2,529 |
| Cost of funding earning assets | 1.2366% | 932 |
| Net interest margin | 3.3901% | 3,780 |
| Noninterest income to average assets | 0.4519% | 2,996 |
| Noninterest expense to average assets | 4.5096% | 304 |
| Loan and lease loss provision to assets | 0.2743% | 647 |
| Net operating income to assets | -0.7522% | 5,075 |
| Return on assets (ROA) | -0.7439% | 5,079 |
| Pretax return on assets | -1.0864% | 5,102 |
| Return on Equity (ROE) | -6.4354% | 5,091 |
| Retained earnings to average equity (ytd only) | -6.4354% | 5,014 |
| Net charge-offs to loans | 0.1618% | 1,242 |
| Credit loss provision to net charge-offs | 234.0234% | 1,148 |
| Earnings coverage of net charge-offs (x) | -7.0171% | 3,688 |
| Efficiency ratio | 122.3081% | 71 |
| Assets per employee ($millions) | 5.9239% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0211% | 3,374 |
| Loan loss allowance to noncurrent loans | 186.0142% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 2,856 |
| Noncurrent loans to loans | 0.5489% | 2,528 |
| Net loans and leases to total assets | 69.8768% | 2,418 |
| Net loans and leases to deposits | 103.7833% | 381 |
| Net loans and leases to core deposits | 122.0254% | 428 |
| Total domestic deposits to total assets | 67.3296% | 4,997 |
| Equity capital to assets | 14.3778% | 975 |
| Core capital (leverage) ratio | 14.5588% | 787 |
| Tier 1 risk-based capital ratio | 18.5370% | 1,620 |
| Total risk-based capital ratio | 19.4621% | 1,664 |
| Memoranda: | ||
| Average total assets | $947,823,400 | 826 |
| Average earning assets | $904,503,400 | 799 |
| Average equity | $109,566,600 | 832 |
| Average total loans | $686,766,800 | 821 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6386% | 2,602 |
| Cost of funding earning assets | 1.2580% | 888 |
| Net interest margin | 3.3806% | 3,911 |
| Noninterest income to average assets | 0.4873% | 2,810 |
| Noninterest expense to average assets | 2.5191% | 3,381 |
| Loan and lease loss provision to assets | 0.2435% | 679 |
| Net operating income to assets | 0.7570% | 3,831 |
| Return on assets (ROA) | 0.7664% | 3,856 |
| Pretax return on assets | 0.9646% | 3,700 |
| Return on Equity (ROE) | 7.0817% | 3,645 |
| Retained earnings to average equity (ytd only) | 7.0817% | 1,825 |
| Net charge-offs to loans | 0.0816% | 1,663 |
| Credit loss provision to net charge-offs | 409.3079% | 740 |
| Earnings coverage of net charge-offs (x) | 20.1051% | 1,974 |
| Efficiency ratio | 67.8031% | 2,452 |
| Assets per employee ($millions) | 5.8516% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9817% | 3,675 |
| Loan loss allowance to noncurrent loans | 166.8522% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 2,745 |
| Noncurrent loans to loans | 0.5884% | 2,521 |
| Net loans and leases to total assets | 72.9227% | 2,012 |
| Net loans and leases to deposits | 106.5443% | 299 |
| Net loans and leases to core deposits | 127.5464% | 340 |
| Total domestic deposits to total assets | 68.4435% | 5,052 |
| Equity capital to assets | 16.1515% | 608 |
| Core capital (leverage) ratio | 15.7111% | 601 |
| Tier 1 risk-based capital ratio | 20.6094% | 1,256 |
| Total risk-based capital ratio | 21.5293% | 1,290 |
| Memoranda: | ||
| Average total assets | $938,937,000 | 837 |
| Average earning assets | $896,543,250 | 803 |
| Average equity | $101,611,500 | 889 |
| Average total loans | $684,899,500 | 825 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5304% | 2,916 |
| Cost of funding earning assets | 1.2618% | 840 |
| Net interest margin | 3.2686% | 4,203 |
| Noninterest income to average assets | 0.4634% | 2,890 |
| Noninterest expense to average assets | 2.4675% | 3,579 |
| Loan and lease loss provision to assets | 0.2163% | 776 |
| Net operating income to assets | 0.7159% | 3,950 |
| Return on assets (ROA) | 0.7266% | 3,972 |
| Pretax return on assets | 0.9131% | 3,803 |
| Return on Equity (ROE) | 8.0661% | 3,264 |
| Retained earnings to average equity (ytd only) | 8.0661% | 1,363 |
| Net charge-offs to loans | 0.0969% | 1,394 |
| Credit loss provision to net charge-offs | 306.9909% | 884 |
| Earnings coverage of net charge-offs (x) | 15.8419% | 1,966 |
| Efficiency ratio | 68.8557% | 2,397 |
| Assets per employee ($millions) | 6.4961% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,093 |
| Loan loss allowance to noncurrent loans | 148.9447% | 2,655 |
| Noncurrent assets plus other real estate owned to assets | 0.3989% | 2,909 |
| Noncurrent loans to loans | 0.6041% | 2,453 |
| Net loans and leases to total assets | 64.1489% | 3,323 |
| Net loans and leases to deposits | 83.4549% | 2,551 |
| Net loans and leases to core deposits | 100.2750% | 1,699 |
| Total domestic deposits to total assets | 76.8666% | 4,579 |
| Equity capital to assets | 8.1332% | 5,153 |
| Core capital (leverage) ratio | 9.3349% | 4,327 |
| Tier 1 risk-based capital ratio | 11.8024% | 4,519 |
| Total risk-based capital ratio | 12.6408% | 4,635 |
| Memoranda: | ||
| Average total assets | $933,978,330 | 834 |
| Average earning assets | $891,586,000 | 802 |
| Average equity | $84,130,330 | 1,033 |
| Average total loans | $679,052,000 | 828 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 1,895 |
| Cost of funding earning assets | 1.3067% | 649 |
| Net interest margin | 3.4945% | 3,606 |
| Noninterest income to average assets | 0.4957% | 2,576 |
| Noninterest expense to average assets | 2.6466% | 3,062 |
| Loan and lease loss provision to assets | 0.2437% | 600 |
| Net operating income to assets | 0.7385% | 3,807 |
| Return on assets (ROA) | 0.7477% | 3,824 |
| Pretax return on assets | 0.9362% | 3,653 |
| Return on Equity (ROE) | 7.8258% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.8258% | 1,728 |
| Net charge-offs to loans | 0.1726% | 794 |
| Credit loss provision to net charge-offs | 181.6609% | 1,112 |
| Earnings coverage of net charge-offs (x) | 8.7093% | 2,073 |
| Efficiency ratio | 69.3758% | 2,442 |
| Assets per employee ($millions) | 5.3574% | 2,113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8599% | 4,300 |
| Loan loss allowance to noncurrent loans | 141.2049% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 2,651 |
| Noncurrent loans to loans | 0.6090% | 2,511 |
| Net loans and leases to total assets | 76.5781% | 1,389 |
| Net loans and leases to deposits | 104.4307% | 382 |
| Net loans and leases to core deposits | 136.0119% | 234 |
| Total domestic deposits to total assets | 73.3291% | 4,978 |
| Equity capital to assets | 9.6022% | 4,161 |
| Core capital (leverage) ratio | 10.0398% | 3,565 |
| Tier 1 risk-based capital ratio | 11.5906% | 4,697 |
| Total risk-based capital ratio | 12.3752% | 4,834 |
| Memoranda: | ||
| Average total assets | $861,793,000 | 908 |
| Average earning assets | $818,550,000 | 876 |
| Average equity | $82,343,500 | 1,046 |
| Average total loans | $669,563,000 | 843 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 1,956 |
| Cost of funding earning assets | 1.0460% | 620 |
| Net interest margin | 3.6138% | 3,332 |
| Noninterest income to average assets | 0.5661% | 2,465 |
| Noninterest expense to average assets | 2.8509% | 2,515 |
| Loan and lease loss provision to assets | 0.2111% | 884 |
| Net operating income to assets | 0.7527% | 3,960 |
| Return on assets (ROA) | 0.7546% | 3,958 |
| Pretax return on assets | 0.9293% | 3,816 |
| Return on Equity (ROE) | 7.8020% | 3,521 |
| Retained earnings to average equity (ytd only) | 7.8020% | 1,327 |
| Net charge-offs to loans | 0.1432% | 1,329 |
| Credit loss provision to net charge-offs | 190.9091% | 1,497 |
| Earnings coverage of net charge-offs (x) | 10.2943% | 2,734 |
| Efficiency ratio | 71.4686% | 1,973 |
| Assets per employee ($millions) | 4.9127% | 2,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8479% | 4,362 |
| Loan loss allowance to noncurrent loans | 122.4579% | 3,085 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,363 |
| Noncurrent loans to loans | 0.6924% | 2,256 |
| Net loans and leases to total assets | 77.5013% | 1,353 |
| Net loans and leases to deposits | 105.0545% | 418 |
| Net loans and leases to core deposits | 139.9003% | 200 |
| Total domestic deposits to total assets | 73.7725% | 4,960 |
| Equity capital to assets | 9.5057% | 4,126 |
| Core capital (leverage) ratio | 10.0042% | 3,570 |
| Tier 1 risk-based capital ratio | 11.4206% | 4,761 |
| Total risk-based capital ratio | 12.1846% | 4,892 |
| Memoranda: | ||
| Average total assets | $795,947,400 | 955 |
| Average earning assets | $753,913,800 | 931 |
| Average equity | $76,980,600 | 1,066 |
| Average total loans | $614,497,600 | 873 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6125% | 1,942 |
| Cost of funding earning assets | 0.9927% | 617 |
| Net interest margin | 3.6198% | 3,301 |
| Noninterest income to average assets | 0.4871% | 2,941 |
| Noninterest expense to average assets | 2.7759% | 2,725 |
| Loan and lease loss provision to assets | 0.2297% | 707 |
| Net operating income to assets | 0.7307% | 4,136 |
| Return on assets (ROA) | 0.7326% | 4,139 |
| Pretax return on assets | 0.9121% | 3,980 |
| Return on Equity (ROE) | 7.5398% | 3,731 |
| Retained earnings to average equity (ytd only) | 7.5398% | 1,868 |
| Net charge-offs to loans | 0.1154% | 1,354 |
| Credit loss provision to net charge-offs | 258.6207% | 1,144 |
| Earnings coverage of net charge-offs (x) | 12.8295% | 2,420 |
| Efficiency ratio | 70.8991% | 2,054 |
| Assets per employee ($millions) | 4.7564% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 4,293 |
| Loan loss allowance to noncurrent loans | 105.4525% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6843% | 2,149 |
| Noncurrent loans to loans | 0.8461% | 2,014 |
| Net loans and leases to total assets | 77.3098% | 1,447 |
| Net loans and leases to deposits | 104.8553% | 494 |
| Net loans and leases to core deposits | 135.2417% | 254 |
| Total domestic deposits to total assets | 73.7300% | 5,003 |
| Equity capital to assets | 9.5632% | 4,021 |
| Core capital (leverage) ratio | 10.1851% | 3,425 |
| Tier 1 risk-based capital ratio | 11.5835% | 4,743 |
| Total risk-based capital ratio | 12.3819% | 4,876 |
| Memoranda: | ||
| Average total assets | $783,689,750 | 966 |
| Average earning assets | $742,197,750 | 943 |
| Average equity | $76,145,500 | 1,071 |
| Average total loans | $603,004,750 | 884 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 1,910 |
| Cost of funding earning assets | 0.9428% | 602 |
| Net interest margin | 3.6163% | 3,252 |
| Noninterest income to average assets | 0.4712% | 3,026 |
| Noninterest expense to average assets | 2.8079% | 2,639 |
| Loan and lease loss provision to assets | 0.2321% | 691 |
| Net operating income to assets | 0.6852% | 4,238 |
| Return on assets (ROA) | 0.6879% | 4,232 |
| Pretax return on assets | 0.8566% | 4,087 |
| Return on Equity (ROE) | 7.0414% | 3,888 |
| Retained earnings to average equity (ytd only) | 7.0414% | 2,056 |
| Net charge-offs to loans | 0.0226% | 2,424 |
| Credit loss provision to net charge-offs | 1,343.2836% | 313 |
| Earnings coverage of net charge-offs (x) | 62.8060% | 966 |
| Efficiency ratio | 72.1214% | 1,985 |
| Assets per employee ($millions) | 4.6654% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 4,271 |
| Loan loss allowance to noncurrent loans | 108.5356% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 0.6655% | 2,242 |
| Noncurrent loans to loans | 0.8429% | 2,037 |
| Net loans and leases to total assets | 76.4786% | 1,563 |
| Net loans and leases to deposits | 99.7367% | 822 |
| Net loans and leases to core deposits | 129.0342% | 348 |
| Total domestic deposits to total assets | 76.6805% | 4,770 |
| Equity capital to assets | 9.5538% | 4,048 |
| Core capital (leverage) ratio | 10.0496% | 3,526 |
| Tier 1 risk-based capital ratio | 11.7057% | 4,685 |
| Total risk-based capital ratio | 12.5335% | 4,804 |
| Memoranda: | ||
| Average total assets | $775,389,000 | 976 |
| Average earning assets | $733,738,330 | 958 |
| Average equity | $75,751,670 | 1,078 |
| Average total loans | $593,756,670 | 901 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 1,805 |
| Cost of funding earning assets | 0.9094% | 569 |
| Net interest margin | 3.6114% | 3,131 |
| Noninterest income to average assets | 0.4470% | 3,134 |
| Noninterest expense to average assets | 2.8312% | 2,599 |
| Loan and lease loss provision to assets | 0.2355% | 655 |
| Net operating income to assets | 0.6408% | 4,310 |
| Return on assets (ROA) | 0.6412% | 4,319 |
| Pretax return on assets | 0.7940% | 4,165 |
| Return on Equity (ROE) | 6.4885% | 3,987 |
| Retained earnings to average equity (ytd only) | 6.4885% | 2,507 |
| Net charge-offs to loans | -0.0007% | 3,746 |
| Credit loss provision to net charge-offs | -45,000.0000% | 4,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3424% | 1,991 |
| Assets per employee ($millions) | 4.4970% | 3,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8732% | 4,556 |
| Loan loss allowance to noncurrent loans | 102.0999% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 2,305 |
| Noncurrent loans to loans | 0.8552% | 2,111 |
| Net loans and leases to total assets | 76.6249% | 1,437 |
| Net loans and leases to deposits | 100.7247% | 657 |
| Net loans and leases to core deposits | 130.3658% | 336 |
| Total domestic deposits to total assets | 76.0736% | 4,955 |
| Equity capital to assets | 9.6493% | 3,943 |
| Core capital (leverage) ratio | 10.1157% | 3,409 |
| Tier 1 risk-based capital ratio | 11.5830% | 4,819 |
| Total risk-based capital ratio | 12.3639% | 4,976 |
| Memoranda: | ||
| Average total assets | $764,195,500 | 993 |
| Average earning assets | $722,266,500 | 976 |
| Average equity | $75,518,500 | 1,089 |
| Average total loans | $582,754,500 | 924 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3247% | 2,247 |
| Cost of funding earning assets | 0.7927% | 646 |
| Net interest margin | 3.5320% | 3,419 |
| Noninterest income to average assets | 0.5646% | 2,633 |
| Noninterest expense to average assets | 2.8784% | 2,527 |
| Loan and lease loss provision to assets | 0.1912% | 1,098 |
| Net operating income to assets | 0.4318% | 4,580 |
| Return on assets (ROA) | 0.4406% | 4,590 |
| Pretax return on assets | 0.8244% | 4,189 |
| Return on Equity (ROE) | 4.2246% | 4,430 |
| Retained earnings to average equity (ytd only) | 4.2246% | 2,628 |
| Net charge-offs to loans | 0.3820% | 659 |
| Credit loss provision to net charge-offs | 69.7556% | 3,090 |
| Earnings coverage of net charge-offs (x) | 3.6553% | 3,577 |
| Efficiency ratio | 73.6872% | 1,947 |
| Assets per employee ($millions) | 4.3127% | 3,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 4,663 |
| Loan loss allowance to noncurrent loans | 106.2417% | 3,410 |
| Noncurrent assets plus other real estate owned to assets | 0.6067% | 2,524 |
| Noncurrent loans to loans | 0.8009% | 2,212 |
| Net loans and leases to total assets | 74.5367% | 1,830 |
| Net loans and leases to deposits | 99.1825% | 799 |
| Net loans and leases to core deposits | 123.8347% | 481 |
| Total domestic deposits to total assets | 75.1510% | 5,076 |
| Equity capital to assets | 10.1234% | 3,568 |
| Core capital (leverage) ratio | 10.2913% | 3,080 |
| Tier 1 risk-based capital ratio | 11.8262% | 4,641 |
| Total risk-based capital ratio | 12.5692% | 4,845 |
| Memoranda: | ||
| Average total assets | $716,552,600 | 1,019 |
| Average earning assets | $672,653,000 | 1,008 |
| Average equity | $74,729,400 | 1,073 |
| Average total loans | $514,199,200 | 995 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,293 |
| Cost of funding earning assets | 0.7678% | 691 |
| Net interest margin | 3.5219% | 3,419 |
| Noninterest income to average assets | 0.5508% | 2,726 |
| Noninterest expense to average assets | 2.9101% | 2,365 |
| Loan and lease loss provision to assets | 0.1958% | 975 |
| Net operating income to assets | 0.5661% | 4,524 |
| Return on assets (ROA) | 0.5784% | 4,504 |
| Pretax return on assets | 0.7645% | 4,444 |
| Return on Equity (ROE) | 5.5038% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.5038% | 2,539 |
| Net charge-offs to loans | 0.0933% | 1,855 |
| Credit loss provision to net charge-offs | 296.2963% | 1,004 |
| Earnings coverage of net charge-offs (x) | 14.2849% | 2,296 |
| Efficiency ratio | 74.8351% | 1,769 |
| Assets per employee ($millions) | 4.1964% | 3,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1176% | 3,395 |
| Loan loss allowance to noncurrent loans | 103.3645% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.8346% | 2,059 |
| Noncurrent loans to loans | 1.0813% | 1,781 |
| Net loans and leases to total assets | 73.7065% | 1,966 |
| Net loans and leases to deposits | 99.7222% | 760 |
| Net loans and leases to core deposits | 121.7291% | 526 |
| Total domestic deposits to total assets | 73.9118% | 5,242 |
| Equity capital to assets | 10.5064% | 3,366 |
| Core capital (leverage) ratio | 10.4772% | 3,014 |
| Tier 1 risk-based capital ratio | 12.0393% | 4,580 |
| Total risk-based capital ratio | 13.0138% | 4,664 |
| Memoranda: | ||
| Average total assets | $708,088,750 | 1,037 |
| Average earning assets | $664,178,000 | 1,028 |
| Average equity | $74,420,000 | 1,081 |
| Average total loans | $501,716,750 | 1,026 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2467% | 2,303 |
| Cost of funding earning assets | 0.7372% | 733 |
| Net interest margin | 3.5095% | 3,365 |
| Noninterest income to average assets | 0.5009% | 3,020 |
| Noninterest expense to average assets | 2.9238% | 2,348 |
| Loan and lease loss provision to assets | 0.1884% | 998 |
| Net operating income to assets | 0.5319% | 4,605 |
| Return on assets (ROA) | 0.5466% | 4,574 |
| Pretax return on assets | 0.6916% | 4,574 |
| Return on Equity (ROE) | 5.1999% | 4,393 |
| Retained earnings to average equity (ytd only) | 5.1999% | 2,579 |
| Net charge-offs to loans | 0.1317% | 1,369 |
| Credit loss provision to net charge-offs | 205.6075% | 1,247 |
| Earnings coverage of net charge-offs (x) | 9.4019% | 2,438 |
| Efficiency ratio | 76.3535% | 1,664 |
| Assets per employee ($millions) | 4.1652% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 3,496 |
| Loan loss allowance to noncurrent loans | 87.4466% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 0.9372% | 1,878 |
| Noncurrent loans to loans | 1.2748% | 1,516 |
| Net loans and leases to total assets | 70.9826% | 2,378 |
| Net loans and leases to deposits | 93.4308% | 1,317 |
| Net loans and leases to core deposits | 112.8622% | 859 |
| Total domestic deposits to total assets | 75.9734% | 5,099 |
| Equity capital to assets | 10.5690% | 3,261 |
| Core capital (leverage) ratio | 10.3545% | 3,065 |
| Tier 1 risk-based capital ratio | 12.5394% | 4,282 |
| Total risk-based capital ratio | 13.5168% | 4,332 |
| Memoranda: | ||
| Average total assets | $700,724,670 | 1,046 |
| Average earning assets | $655,757,330 | 1,037 |
| Average equity | $73,654,670 | 1,089 |
| Average total loans | $487,531,000 | 1,056 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 2,300 |
| Cost of funding earning assets | 0.7200% | 764 |
| Net interest margin | 3.4724% | 3,381 |
| Noninterest income to average assets | 0.4682% | 3,201 |
| Noninterest expense to average assets | 2.9413% | 2,327 |
| Loan and lease loss provision to assets | 0.1905% | 877 |
| Net operating income to assets | 0.4651% | 4,722 |
| Return on assets (ROA) | 0.4913% | 4,656 |
| Pretax return on assets | 0.6067% | 4,714 |
| Return on Equity (ROE) | 4.6872% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.6872% | 3,062 |
| Net charge-offs to loans | 0.1097% | 1,295 |
| Credit loss provision to net charge-offs | 253.8462% | 876 |
| Earnings coverage of net charge-offs (x) | 10.1923% | 1,954 |
| Efficiency ratio | 78.4424% | 1,571 |
| Assets per employee ($millions) | 3.9927% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1660% | 3,328 |
| Loan loss allowance to noncurrent loans | 81.4383% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 1.5038% | 1,064 |
| Noncurrent loans to loans | 1.4318% | 1,410 |
| Net loans and leases to total assets | 68.2503% | 2,638 |
| Net loans and leases to deposits | 89.8012% | 1,564 |
| Net loans and leases to core deposits | 103.5637% | 1,248 |
| Total domestic deposits to total assets | 76.0015% | 5,228 |
| Equity capital to assets | 10.5670% | 3,111 |
| Core capital (leverage) ratio | 10.3982% | 3,011 |
| Tier 1 risk-based capital ratio | 13.1091% | 4,022 |
| Total risk-based capital ratio | 14.1253% | 4,056 |
| Memoranda: | ||
| Average total assets | $692,879,500 | 1,064 |
| Average earning assets | $646,117,500 | 1,050 |
| Average equity | $72,623,000 | 1,097 |
| Average total loans | $474,165,000 | 1,081 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1898% | 2,519 |
| Cost of funding earning assets | 0.6530% | 1,037 |
| Net interest margin | 3.5369% | 3,297 |
| Noninterest income to average assets | 0.6154% | 2,579 |
| Noninterest expense to average assets | 3.1503% | 1,896 |
| Loan and lease loss provision to assets | 0.1713% | 1,423 |
| Net operating income to assets | 0.4619% | 4,760 |
| Return on assets (ROA) | 0.5001% | 4,709 |
| Pretax return on assets | 0.6565% | 4,632 |
| Return on Equity (ROE) | 4.6328% | 4,599 |
| Retained earnings to average equity (ytd only) | 4.5284% | 2,682 |
| Net charge-offs to loans | 0.2330% | 1,191 |
| Credit loss provision to net charge-offs | 114.6971% | 2,292 |
| Earnings coverage of net charge-offs (x) | 5.2056% | 3,372 |
| Efficiency ratio | 79.3143% | 1,510 |
| Assets per employee ($millions) | 3.9944% | 3,980 |
| Cash dividends to net income (ytd only)* | 2.2539% | 4,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 3,424 |
| Loan loss allowance to noncurrent loans | 60.6886% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.8286% | 798 |
| Noncurrent loans to loans | 1.8968% | 975 |
| Net loans and leases to total assets | 67.0285% | 2,924 |
| Net loans and leases to deposits | 89.1463% | 1,791 |
| Net loans and leases to core deposits | 104.3505% | 1,254 |
| Total domestic deposits to total assets | 75.1894% | 5,330 |
| Equity capital to assets | 10.3952% | 3,276 |
| Core capital (leverage) ratio | 10.3738% | 3,025 |
| Tier 1 risk-based capital ratio | 13.1132% | 3,991 |
| Total risk-based capital ratio | 14.1085% | 4,055 |
| Memoranda: | ||
| Average total assets | $674,230,400 | 1,050 |
| Average earning assets | $631,434,400 | 1,030 |
| Average equity | $72,784,800 | 1,086 |
| Average total loans | $432,168,800 | 1,130 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1599% | 2,643 |
| Cost of funding earning assets | 0.6553% | 1,032 |
| Net interest margin | 3.5046% | 3,446 |
| Noninterest income to average assets | 0.5527% | 2,904 |
| Noninterest expense to average assets | 2.9146% | 2,596 |
| Loan and lease loss provision to assets | 0.2186% | 953 |
| Net operating income to assets | 0.5105% | 4,657 |
| Return on assets (ROA) | 0.5282% | 4,684 |
| Pretax return on assets | 0.7246% | 4,543 |
| Return on Equity (ROE) | 4.8487% | 4,580 |
| Retained earnings to average equity (ytd only) | 4.8487% | 2,931 |
| Net charge-offs to loans | 0.2685% | 860 |
| Credit loss provision to net charge-offs | 130.0578% | 1,975 |
| Earnings coverage of net charge-offs (x) | 5.4682% | 3,125 |
| Efficiency ratio | 76.0294% | 1,971 |
| Assets per employee ($millions) | 4.0015% | 3,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 2,860 |
| Loan loss allowance to noncurrent loans | 73.4657% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.8256% | 896 |
| Noncurrent loans to loans | 1.7229% | 1,212 |
| Net loans and leases to total assets | 63.7508% | 3,434 |
| Net loans and leases to deposits | 84.7027% | 2,401 |
| Net loans and leases to core deposits | 102.5406% | 1,442 |
| Total domestic deposits to total assets | 75.2641% | 5,314 |
| Equity capital to assets | 11.1093% | 2,913 |
| Core capital (leverage) ratio | 10.7314% | 2,750 |
| Tier 1 risk-based capital ratio | 14.3596% | 3,360 |
| Total risk-based capital ratio | 15.4968% | 3,359 |
| Memoranda: | ||
| Average total assets | $549,040,250 | 1,264 |
| Average earning assets | $513,977,500 | 1,249 |
| Average equity | $59,809,000 | 1,302 |
| Average total loans | $343,658,500 | 1,359 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1688% | 2,608 |
| Cost of funding earning assets | 0.6386% | 1,097 |
| Net interest margin | 3.5302% | 3,368 |
| Noninterest income to average assets | 0.5413% | 2,948 |
| Noninterest expense to average assets | 2.9256% | 2,597 |
| Loan and lease loss provision to assets | 0.2190% | 953 |
| Net operating income to assets | 0.5135% | 4,622 |
| Return on assets (ROA) | 0.5372% | 4,644 |
| Pretax return on assets | 0.7398% | 4,495 |
| Return on Equity (ROE) | 4.9649% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.9649% | 2,760 |
| Net charge-offs to loans | 0.0253% | 2,971 |
| Credit loss provision to net charge-offs | 1,395.3488% | 286 |
| Earnings coverage of net charge-offs (x) | 59.0233% | 895 |
| Efficiency ratio | 75.9522% | 2,088 |
| Assets per employee ($millions) | 3.9547% | 3,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4026% | 2,285 |
| Loan loss allowance to noncurrent loans | 51.4606% | 4,775 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 915 |
| Noncurrent loans to loans | 2.7256% | 593 |
| Net loans and leases to total assets | 63.0831% | 3,487 |
| Net loans and leases to deposits | 82.4394% | 2,655 |
| Net loans and leases to core deposits | 97.2599% | 1,868 |
| Total domestic deposits to total assets | 76.5206% | 5,217 |
| Equity capital to assets | 11.1830% | 2,863 |
| Core capital (leverage) ratio | 10.2092% | 3,325 |
| Tier 1 risk-based capital ratio | 14.8723% | 3,132 |
| Total risk-based capital ratio | 16.1371% | 3,063 |
| Memoranda: | ||
| Average total assets | $547,986,330 | 1,271 |
| Average earning assets | $513,908,000 | 1,252 |
| Average equity | $59,296,670 | 1,312 |
| Average total loans | $339,362,670 | 1,375 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 2,787 |
| Cost of funding earning assets | 0.6152% | 1,239 |
| Net interest margin | 3.5025% | 3,471 |
| Noninterest income to average assets | 0.3999% | 3,833 |
| Noninterest expense to average assets | 2.8707% | 2,808 |
| Loan and lease loss provision to assets | 0.2178% | 885 |
| Net operating income to assets | 0.4502% | 4,829 |
| Return on assets (ROA) | 0.4595% | 4,871 |
| Pretax return on assets | 0.6090% | 4,795 |
| Return on Equity (ROE) | 4.3171% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.3171% | 3,322 |
| Net charge-offs to loans | 0.1489% | 1,219 |
| Credit loss provision to net charge-offs | 240.0000% | 967 |
| Earnings coverage of net charge-offs (x) | 8.9760% | 2,018 |
| Efficiency ratio | 77.9003% | 1,910 |
| Assets per employee ($millions) | 3.9028% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 2,799 |
| Loan loss allowance to noncurrent loans | 45.4131% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 1.9810% | 884 |
| Noncurrent loans to loans | 2.9064% | 579 |
| Net loans and leases to total assets | 60.8665% | 3,667 |
| Net loans and leases to deposits | 81.5772% | 2,596 |
| Net loans and leases to core deposits | 93.6694% | 2,026 |
| Total domestic deposits to total assets | 74.6122% | 5,558 |
| Equity capital to assets | 10.7930% | 3,168 |
| Core capital (leverage) ratio | 10.2321% | 3,282 |
| Tier 1 risk-based capital ratio | 14.9871% | 3,168 |
| Total risk-based capital ratio | 16.2046% | 3,116 |
| Memoranda: | ||
| Average total assets | $551,080,500 | 1,268 |
| Average earning assets | $516,887,000 | 1,246 |
| Average equity | $58,650,500 | 1,321 |
| Average total loans | $335,721,500 | 1,379 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2077% | 2,533 |
| Cost of funding earning assets | 0.5914% | 1,425 |
| Net interest margin | 3.6163% | 3,071 |
| Noninterest income to average assets | 0.5483% | 3,019 |
| Noninterest expense to average assets | 3.1002% | 2,238 |
| Loan and lease loss provision to assets | 0.1595% | 1,453 |
| Net operating income to assets | 0.4781% | 4,771 |
| Return on assets (ROA) | 0.4999% | 4,788 |
| Pretax return on assets | 0.6936% | 4,545 |
| Return on Equity (ROE) | 4.5308% | 4,729 |
| Retained earnings to average equity (ytd only) | 3.2243% | 3,758 |
| Net charge-offs to loans | 0.5015% | 527 |
| Credit loss provision to net charge-offs | 54.2129% | 3,344 |
| Earnings coverage of net charge-offs (x) | 2.7969% | 3,826 |
| Efficiency ratio | 79.0242% | 1,813 |
| Assets per employee ($millions) | 4.0905% | 3,775 |
| Cash dividends to net income (ytd only)* | 28.8351% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,929 |
| Loan loss allowance to noncurrent loans | 35.3622% | 5,229 |
| Noncurrent assets plus other real estate owned to assets | 2.3945% | 660 |
| Noncurrent loans to loans | 3.6666% | 358 |
| Net loans and leases to total assets | 59.3455% | 3,926 |
| Net loans and leases to deposits | 76.3865% | 3,209 |
| Net loans and leases to core deposits | 85.9980% | 2,796 |
| Total domestic deposits to total assets | 77.6911% | 5,219 |
| Equity capital to assets | 10.5242% | 3,334 |
| Core capital (leverage) ratio | 10.2085% | 3,255 |
| Tier 1 risk-based capital ratio | 15.2187% | 3,069 |
| Total risk-based capital ratio | 16.4206% | 3,031 |
| Memoranda: | ||
| Average total assets | $520,350,600 | 1,294 |
| Average earning assets | $485,607,800 | 1,283 |
| Average equity | $57,407,600 | 1,302 |
| Average total loans | $305,299,400 | 1,455 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 2,545 |
| Cost of funding earning assets | 0.6007% | 1,401 |
| Net interest margin | 3.6081% | 3,128 |
| Noninterest income to average assets | 0.5311% | 3,159 |
| Noninterest expense to average assets | 3.0505% | 2,362 |
| Loan and lease loss provision to assets | 0.1561% | 1,391 |
| Net operating income to assets | 0.4801% | 4,857 |
| Return on assets (ROA) | 0.5064% | 4,854 |
| Pretax return on assets | 0.7252% | 4,591 |
| Return on Equity (ROE) | 4.5336% | 4,819 |
| Retained earnings to average equity (ytd only) | 2.7863% | 4,447 |
| Net charge-offs to loans | 0.6394% | 348 |
| Credit loss provision to net charge-offs | 41.8994% | 3,142 |
| Earnings coverage of net charge-offs (x) | 2.2647% | 3,695 |
| Efficiency ratio | 78.3309% | 1,907 |
| Assets per employee ($millions) | 3.8220% | 4,221 |
| Cash dividends to net income (ytd only)* | 38.5408% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3492% | 2,859 |
| Loan loss allowance to noncurrent loans | 33.9709% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 2.5059% | 691 |
| Noncurrent loans to loans | 3.9717% | 330 |
| Net loans and leases to total assets | 57.8636% | 4,160 |
| Net loans and leases to deposits | 72.3035% | 3,732 |
| Net loans and leases to core deposits | 80.9759% | 3,342 |
| Total domestic deposits to total assets | 80.0287% | 4,751 |
| Equity capital to assets | 11.0285% | 2,990 |
| Core capital (leverage) ratio | 10.2654% | 3,291 |
| Tier 1 risk-based capital ratio | 15.9558% | 2,820 |
| Total risk-based capital ratio | 17.1993% | 2,763 |
| Memoranda: | ||
| Average total assets | $512,384,500 | 1,318 |
| Average earning assets | $477,621,000 | 1,301 |
| Average equity | $57,230,500 | 1,318 |
| Average total loans | $298,619,250 | 1,485 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 2,483 |
| Cost of funding earning assets | 0.6032% | 1,389 |
| Net interest margin | 3.6159% | 3,025 |
| Noninterest income to average assets | 0.5282% | 3,182 |
| Noninterest expense to average assets | 3.0372% | 2,431 |
| Loan and lease loss provision to assets | 0.1774% | 1,163 |
| Net operating income to assets | 0.4698% | 4,893 |
| Return on assets (ROA) | 0.5038% | 4,861 |
| Pretax return on assets | 0.7253% | 4,578 |
| Return on Equity (ROE) | 4.4907% | 4,821 |
| Retained earnings to average equity (ytd only) | 1.8553% | 4,769 |
| Net charge-offs to loans | 0.6664% | 344 |
| Credit loss provision to net charge-offs | 45.7782% | 2,747 |
| Earnings coverage of net charge-offs (x) | 2.2024% | 3,390 |
| Efficiency ratio | 78.0648% | 2,063 |
| Assets per employee ($millions) | 3.6809% | 4,467 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 2,249 |
| Loan loss allowance to noncurrent loans | 35.5791% | 5,369 |
| Noncurrent assets plus other real estate owned to assets | 2.8458% | 606 |
| Noncurrent loans to loans | 4.2466% | 333 |
| Net loans and leases to total assets | 56.1801% | 4,317 |
| Net loans and leases to deposits | 70.4817% | 3,875 |
| Net loans and leases to core deposits | 81.4944% | 3,236 |
| Total domestic deposits to total assets | 79.7087% | 4,928 |
| Equity capital to assets | 10.8536% | 3,048 |
| Core capital (leverage) ratio | 10.3215% | 3,192 |
| Tier 1 risk-based capital ratio | 16.1683% | 2,776 |
| Total risk-based capital ratio | 17.4291% | 2,719 |
| Memoranda: | ||
| Average total assets | $507,368,670 | 1,337 |
| Average earning assets | $471,810,670 | 1,322 |
| Average equity | $56,918,000 | 1,334 |
| Average total loans | $295,037,330 | 1,503 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2758% | 2,176 |
| Cost of funding earning assets | 0.6161% | 1,330 |
| Net interest margin | 3.6597% | 2,778 |
| Noninterest income to average assets | 0.5064% | 3,249 |
| Noninterest expense to average assets | 3.1502% | 2,132 |
| Loan and lease loss provision to assets | 0.1794% | 1,073 |
| Net operating income to assets | 0.4008% | 5,066 |
| Return on assets (ROA) | 0.4634% | 4,936 |
| Pretax return on assets | 0.6627% | 4,718 |
| Return on Equity (ROE) | 4.0621% | 4,956 |
| Retained earnings to average equity (ytd only) | 4.0621% | 3,565 |
| Net charge-offs to loans | 0.6410% | 377 |
| Credit loss provision to net charge-offs | 47.6695% | 2,123 |
| Earnings coverage of net charge-offs (x) | 2.0000% | 2,835 |
| Efficiency ratio | 80.7111% | 1,801 |
| Assets per employee ($millions) | 3.6702% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6310% | 1,944 |
| Loan loss allowance to noncurrent loans | 37.2875% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 2.9303% | 657 |
| Noncurrent loans to loans | 4.3740% | 365 |
| Net loans and leases to total assets | 56.2636% | 4,169 |
| Net loans and leases to deposits | 72.9867% | 3,432 |
| Net loans and leases to core deposits | 81.9674% | 2,966 |
| Total domestic deposits to total assets | 77.0875% | 5,600 |
| Equity capital to assets | 11.3489% | 2,598 |
| Core capital (leverage) ratio | 10.6023% | 2,847 |
| Tier 1 risk-based capital ratio | 16.2591% | 2,795 |
| Total risk-based capital ratio | 17.5218% | 2,732 |
| Memoranda: | ||
| Average total assets | $501,550,000 | 1,356 |
| Average earning assets | $465,505,500 | 1,347 |
| Average equity | $57,211,500 | 1,333 |
| Average total loans | $294,530,500 | 1,507 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4596% | 2,033 |
| Cost of funding earning assets | 0.6851% | 1,179 |
| Net interest margin | 3.7746% | 2,715 |
| Noninterest income to average assets | 0.5769% | 3,008 |
| Noninterest expense to average assets | 3.1749% | 2,275 |
| Loan and lease loss provision to assets | 0.3564% | 530 |
| Net operating income to assets | 0.3698% | 5,327 |
| Return on assets (ROA) | 0.4098% | 5,252 |
| Pretax return on assets | 0.5839% | 4,991 |
| Return on Equity (ROE) | 3.8038% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.8038% | 3,503 |
| Net charge-offs to loans | 0.7783% | 456 |
| Credit loss provision to net charge-offs | 77.5528% | 2,912 |
| Earnings coverage of net charge-offs (x) | 1.9216% | 4,305 |
| Efficiency ratio | 78.2397% | 2,175 |
| Assets per employee ($millions) | 3.4472% | 4,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 1,814 |
| Loan loss allowance to noncurrent loans | 28.3787% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 3.7712% | 468 |
| Noncurrent loans to loans | 5.9340% | 199 |
| Net loans and leases to total assets | 59.2895% | 3,877 |
| Net loans and leases to deposits | 76.7406% | 3,112 |
| Net loans and leases to core deposits | 86.4421% | 2,653 |
| Total domestic deposits to total assets | 77.2596% | 5,560 |
| Equity capital to assets | 11.4670% | 2,457 |
| Core capital (leverage) ratio | 10.5124% | 2,930 |
| Tier 1 risk-based capital ratio | 16.7479% | 2,624 |
| Total risk-based capital ratio | 18.0103% | 2,571 |
| Memoranda: | ||
| Average total assets | $505,091,600 | 1,321 |
| Average earning assets | $465,799,600 | 1,318 |
| Average equity | $54,418,800 | 1,340 |
| Average total loans | $298,205,800 | 1,435 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4858% | 1,928 |
| Cost of funding earning assets | 0.6970% | 1,164 |
| Net interest margin | 3.7888% | 2,660 |
| Noninterest income to average assets | 0.5935% | 2,913 |
| Noninterest expense to average assets | 3.1511% | 2,318 |
| Loan and lease loss provision to assets | 0.3936% | 435 |
| Net operating income to assets | 0.3766% | 5,334 |
| Return on assets (ROA) | 0.4177% | 5,261 |
| Pretax return on assets | 0.5980% | 5,040 |
| Return on Equity (ROE) | 3.9386% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.9386% | 3,844 |
| Net charge-offs to loans | 0.8024% | 415 |
| Credit loss provision to net charge-offs | 83.5189% | 2,530 |
| Earnings coverage of net charge-offs (x) | 1.9794% | 4,026 |
| Efficiency ratio | 77.1588% | 2,325 |
| Assets per employee ($millions) | 3.5379% | 4,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7627% | 1,784 |
| Loan loss allowance to noncurrent loans | 30.4411% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 3.6044% | 583 |
| Noncurrent loans to loans | 5.7906% | 255 |
| Net loans and leases to total assets | 58.8583% | 3,954 |
| Net loans and leases to deposits | 74.1407% | 3,418 |
| Net loans and leases to core deposits | 84.4319% | 2,837 |
| Total domestic deposits to total assets | 79.3872% | 5,245 |
| Equity capital to assets | 11.1626% | 2,799 |
| Core capital (leverage) ratio | 10.3784% | 3,184 |
| Tier 1 risk-based capital ratio | 16.5830% | 2,780 |
| Total risk-based capital ratio | 17.8595% | 2,722 |
| Memoranda: | ||
| Average total assets | $508,128,000 | 1,331 |
| Average earning assets | $468,105,250 | 1,322 |
| Average equity | $53,892,000 | 1,363 |
| Average total loans | $298,439,500 | 1,437 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4953% | 1,843 |
| Cost of funding earning assets | 0.6959% | 1,210 |
| Net interest margin | 3.7994% | 2,574 |
| Noninterest income to average assets | 0.6495% | 2,548 |
| Noninterest expense to average assets | 3.1811% | 2,249 |
| Loan and lease loss provision to assets | 0.4528% | 354 |
| Net operating income to assets | 0.3603% | 5,373 |
| Return on assets (ROA) | 0.4079% | 5,271 |
| Pretax return on assets | 0.5847% | 5,003 |
| Return on Equity (ROE) | 3.9119% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.9119% | 3,693 |
| Net charge-offs to loans | 1.2829% | 237 |
| Credit loss provision to net charge-offs | 60.4797% | 2,627 |
| Earnings coverage of net charge-offs (x) | 1.2951% | 3,846 |
| Efficiency ratio | 76.6410% | 2,513 |
| Assets per employee ($millions) | 3.6098% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 2,464 |
| Loan loss allowance to noncurrent loans | 27.5108% | 5,842 |
| Noncurrent assets plus other real estate owned to assets | 3.5427% | 650 |
| Noncurrent loans to loans | 5.8119% | 286 |
| Net loans and leases to total assets | 58.0759% | 3,984 |
| Net loans and leases to deposits | 72.8920% | 3,461 |
| Net loans and leases to core deposits | 84.0533% | 2,732 |
| Total domestic deposits to total assets | 79.6739% | 5,310 |
| Equity capital to assets | 10.8932% | 2,983 |
| Core capital (leverage) ratio | 9.9272% | 3,708 |
| Tier 1 risk-based capital ratio | 16.1762% | 2,992 |
| Total risk-based capital ratio | 17.4550% | 2,924 |
| Memoranda: | ||
| Average total assets | $512,402,330 | 1,318 |
| Average earning assets | $472,178,330 | 1,300 |
| Average equity | $53,426,330 | 1,363 |
| Average total loans | $298,999,670 | 1,434 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5342% | 1,693 |
| Cost of funding earning assets | 0.7051% | 1,215 |
| Net interest margin | 3.8291% | 2,350 |
| Noninterest income to average assets | 0.5179% | 3,279 |
| Noninterest expense to average assets | 3.3160% | 1,911 |
| Loan and lease loss provision to assets | 0.3256% | 560 |
| Net operating income to assets | 0.2896% | 5,532 |
| Return on assets (ROA) | 0.3628% | 5,329 |
| Pretax return on assets | 0.5078% | 5,147 |
| Return on Equity (ROE) | 3.5580% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.5580% | 3,999 |
| Net charge-offs to loans | 0.0909% | 2,254 |
| Credit loss provision to net charge-offs | 617.6471% | 456 |
| Earnings coverage of net charge-offs (x) | 13.8529% | 1,645 |
| Efficiency ratio | 81.9506% | 1,932 |
| Assets per employee ($millions) | 3.5881% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 1,549 |
| Loan loss allowance to noncurrent loans | 29.7159% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 4.0062% | 584 |
| Noncurrent loans to loans | 6.6653% | 244 |
| Net loans and leases to total assets | 57.1018% | 3,982 |
| Net loans and leases to deposits | 70.5978% | 3,525 |
| Net loans and leases to core deposits | 82.2063% | 2,718 |
| Total domestic deposits to total assets | 80.8832% | 5,264 |
| Equity capital to assets | 10.4437% | 3,304 |
| Core capital (leverage) ratio | 9.5784% | 4,166 |
| Tier 1 risk-based capital ratio | 15.6164% | 3,371 |
| Total risk-based capital ratio | 16.8982% | 3,323 |
| Memoranda: | ||
| Average total assets | $515,918,000 | 1,309 |
| Average earning assets | $475,411,500 | 1,298 |
| Average equity | $52,614,000 | 1,374 |
| Average total loans | $299,365,500 | 1,446 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4714% | 2,312 |
| Cost of funding earning assets | 0.9217% | 663 |
| Net interest margin | 3.5497% | 3,685 |
| Noninterest income to average assets | 0.5461% | 3,430 |
| Noninterest expense to average assets | 3.0616% | 2,859 |
| Loan and lease loss provision to assets | 0.5071% | 550 |
| Net operating income to assets | 0.1957% | 5,831 |
| Return on assets (ROA) | 0.2102% | 5,857 |
| Pretax return on assets | 0.2582% | 5,833 |
| Return on Equity (ROE) | 2.0329% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.0329% | 4,794 |
| Net charge-offs to loans | 1.3431% | 372 |
| Credit loss provision to net charge-offs | 62.9540% | 3,476 |
| Earnings coverage of net charge-offs (x) | 0.9278% | 4,774 |
| Efficiency ratio | 80.3789% | 2,089 |
| Assets per employee ($millions) | 3.6022% | 4,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 1,969 |
| Loan loss allowance to noncurrent loans | 25.7177% | 6,055 |
| Noncurrent assets plus other real estate owned to assets | 4.1603% | 625 |
| Noncurrent loans to loans | 7.1183% | 232 |
| Net loans and leases to total assets | 56.7435% | 4,222 |
| Net loans and leases to deposits | 69.5232% | 3,839 |
| Net loans and leases to core deposits | 81.8331% | 2,914 |
| Total domestic deposits to total assets | 81.6180% | 5,001 |
| Equity capital to assets | 9.9586% | 3,828 |
| Core capital (leverage) ratio | 9.3455% | 4,483 |
| Tier 1 risk-based capital ratio | 14.9418% | 3,704 |
| Total risk-based capital ratio | 16.2166% | 3,630 |
| Memoranda: | ||
| Average total assets | $512,738,000 | 1,295 |
| Average earning assets | $471,310,600 | 1,291 |
| Average equity | $53,026,400 | 1,338 |
| Average total loans | $307,494,600 | 1,378 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4780% | 2,319 |
| Cost of funding earning assets | 0.9871% | 525 |
| Net interest margin | 3.4910% | 3,918 |
| Noninterest income to average assets | 0.5403% | 3,520 |
| Noninterest expense to average assets | 3.0047% | 2,979 |
| Loan and lease loss provision to assets | 0.5225% | 520 |
| Net operating income to assets | 0.1841% | 5,950 |
| Return on assets (ROA) | 0.2027% | 5,990 |
| Pretax return on assets | 0.2406% | 5,980 |
| Return on Equity (ROE) | 1.9419% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.9419% | 5,159 |
| Net charge-offs to loans | 1.2802% | 417 |
| Credit loss provision to net charge-offs | 67.4309% | 3,117 |
| Earnings coverage of net charge-offs (x) | 0.9562% | 4,525 |
| Efficiency ratio | 80.2190% | 2,061 |
| Assets per employee ($millions) | 3.3766% | 5,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0169% | 1,683 |
| Loan loss allowance to noncurrent loans | 25.8982% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 4.8249% | 597 |
| Noncurrent loans to loans | 7.7879% | 235 |
| Net loans and leases to total assets | 59.6147% | 3,757 |
| Net loans and leases to deposits | 73.3285% | 3,346 |
| Net loans and leases to core deposits | 87.5114% | 2,231 |
| Total domestic deposits to total assets | 81.2981% | 5,137 |
| Equity capital to assets | 10.5143% | 3,258 |
| Core capital (leverage) ratio | 9.3858% | 4,546 |
| Tier 1 risk-based capital ratio | 15.0757% | 3,703 |
| Total risk-based capital ratio | 16.3471% | 3,640 |
| Memoranda: | ||
| Average total assets | $510,342,250 | 1,313 |
| Average earning assets | $468,585,500 | 1,308 |
| Average equity | $53,279,000 | 1,345 |
| Average total loans | $308,890,750 | 1,373 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4700% | 2,305 |
| Cost of funding earning assets | 1.0125% | 512 |
| Net interest margin | 3.4575% | 3,966 |
| Noninterest income to average assets | 0.4586% | 4,102 |
| Noninterest expense to average assets | 2.9107% | 3,292 |
| Loan and lease loss provision to assets | 0.5437% | 489 |
| Net operating income to assets | 0.1557% | 6,014 |
| Return on assets (ROA) | 0.1837% | 6,065 |
| Pretax return on assets | 0.2082% | 6,074 |
| Return on Equity (ROE) | 1.7635% | 6,028 |
| Retained earnings to average equity (ytd only) | 1.7635% | 5,133 |
| Net charge-offs to loans | 1.4011% | 396 |
| Credit loss provision to net charge-offs | 64.2202% | 2,942 |
| Earnings coverage of net charge-offs (x) | 0.8505% | 4,245 |
| Efficiency ratio | 80.1690% | 2,130 |
| Assets per employee ($millions) | 3.4974% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0422% | 1,760 |
| Loan loss allowance to noncurrent loans | 25.5786% | 6,162 |
| Noncurrent assets plus other real estate owned to assets | 4.9712% | 621 |
| Noncurrent loans to loans | 7.9839% | 257 |
| Net loans and leases to total assets | 59.3724% | 3,766 |
| Net loans and leases to deposits | 77.2406% | 2,686 |
| Net loans and leases to core deposits | 91.2336% | 1,787 |
| Total domestic deposits to total assets | 76.8668% | 6,141 |
| Equity capital to assets | 10.3038% | 3,539 |
| Core capital (leverage) ratio | 9.4156% | 4,363 |
| Tier 1 risk-based capital ratio | 14.9762% | 3,795 |
| Total risk-based capital ratio | 16.2467% | 3,744 |
| Memoranda: | ||
| Average total assets | $515,002,670 | 1,300 |
| Average earning assets | $472,483,000 | 1,298 |
| Average equity | $53,642,330 | 1,342 |
| Average total loans | $311,189,330 | 1,363 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4450% | 2,368 |
| Cost of funding earning assets | 1.0634% | 446 |
| Net interest margin | 3.3816% | 4,189 |
| Noninterest income to average assets | 0.3700% | 4,705 |
| Noninterest expense to average assets | 2.9213% | 3,263 |
| Loan and lease loss provision to assets | 0.4625% | 606 |
| Net operating income to assets | 0.0933% | 6,161 |
| Return on assets (ROA) | 0.1264% | 6,188 |
| Pretax return on assets | 0.1125% | 6,239 |
| Return on Equity (ROE) | 1.2073% | 6,174 |
| Retained earnings to average equity (ytd only) | 1.2073% | 5,369 |
| Net charge-offs to loans | 0.3769% | 1,509 |
| Credit loss provision to net charge-offs | 203.3898% | 1,071 |
| Earnings coverage of net charge-offs (x) | 2.3831% | 3,049 |
| Efficiency ratio | 84.3534% | 1,719 |
| Assets per employee ($millions) | 3.6106% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3721% | 1,292 |
| Loan loss allowance to noncurrent loans | 31.8329% | 5,953 |
| Noncurrent assets plus other real estate owned to assets | 4.8248% | 764 |
| Noncurrent loans to loans | 7.4516% | 373 |
| Net loans and leases to total assets | 59.5175% | 3,513 |
| Net loans and leases to deposits | 78.7801% | 2,243 |
| Net loans and leases to core deposits | 89.3800% | 1,768 |
| Total domestic deposits to total assets | 75.5489% | 6,408 |
| Equity capital to assets | 10.6911% | 3,333 |
| Core capital (leverage) ratio | 9.5422% | 4,011 |
| Tier 1 risk-based capital ratio | 15.0323% | 3,818 |
| Total risk-based capital ratio | 16.3029% | 3,754 |
| Memoranda: | ||
| Average total assets | $518,942,500 | 1,302 |
| Average earning assets | $474,688,500 | 1,303 |
| Average equity | $54,337,000 | 1,342 |
| Average total loans | $313,100,000 | 1,362 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9769% | 1,627 |
| Cost of funding earning assets | 1.3035% | 366 |
| Net interest margin | 3.6734% | 3,774 |
| Noninterest income to average assets | 0.8311% | 2,121 |
| Noninterest expense to average assets | 3.1456% | 2,792 |
| Loan and lease loss provision to assets | 0.5524% | 1,035 |
| Net operating income to assets | 0.3379% | 5,337 |
| Return on assets (ROA) | 0.3902% | 5,375 |
| Pretax return on assets | 0.5440% | 5,153 |
| Return on Equity (ROE) | 3.8226% | 5,220 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,513 |
| Net charge-offs to loans | 1.6180% | 526 |
| Credit loss provision to net charge-offs | 52.3105% | 4,635 |
| Earnings coverage of net charge-offs (x) | 0.9695% | 4,977 |
| Efficiency ratio | 75.4457% | 2,839 |
| Assets per employee ($millions) | 3.5489% | 4,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2344% | 1,494 |
| Loan loss allowance to noncurrent loans | 30.2889% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 4.6166% | 882 |
| Noncurrent loans to loans | 7.3769% | 417 |
| Net loans and leases to total assets | 58.3938% | 3,901 |
| Net loans and leases to deposits | 81.1105% | 2,131 |
| Net loans and leases to core deposits | 91.3705% | 1,690 |
| Total domestic deposits to total assets | 71.9929% | 6,691 |
| Equity capital to assets | 10.2585% | 3,813 |
| Core capital (leverage) ratio | 8.9846% | 4,921 |
| Tier 1 risk-based capital ratio | 14.2460% | 4,207 |
| Total risk-based capital ratio | 15.5103% | 4,154 |
| Memoranda: | ||
| Average total assets | $524,629,400 | 1,269 |
| Average earning assets | $476,778,200 | 1,277 |
| Average equity | $53,550,000 | 1,328 |
| Average total loans | $342,395,600 | 1,234 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 1,394 |
| Cost of funding earning assets | 1.3395% | 373 |
| Net interest margin | 3.7770% | 3,435 |
| Noninterest income to average assets | 0.8905% | 1,867 |
| Noninterest expense to average assets | 3.2121% | 2,525 |
| Loan and lease loss provision to assets | 0.5852% | 964 |
| Net operating income to assets | 0.3687% | 5,378 |
| Return on assets (ROA) | 0.4362% | 5,329 |
| Pretax return on assets | 0.6206% | 5,102 |
| Return on Equity (ROE) | 4.2790% | 5,161 |
| Retained earnings to average equity (ytd only) | 4.2790% | 3,885 |
| Net charge-offs to loans | 1.3710% | 666 |
| Credit loss provision to net charge-offs | 64.0290% | 4,049 |
| Earnings coverage of net charge-offs (x) | 1.2137% | 4,688 |
| Efficiency ratio | 74.3312% | 2,929 |
| Assets per employee ($millions) | 3.6065% | 4,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5386% | 1,162 |
| Loan loss allowance to noncurrent loans | 31.5024% | 6,064 |
| Noncurrent assets plus other real estate owned to assets | 5.2081% | 838 |
| Noncurrent loans to loans | 8.0586% | 384 |
| Net loans and leases to total assets | 60.8871% | 3,589 |
| Net loans and leases to deposits | 84.9965% | 1,727 |
| Net loans and leases to core deposits | 94.7794% | 1,509 |
| Total domestic deposits to total assets | 71.6348% | 6,760 |
| Equity capital to assets | 10.2192% | 4,178 |
| Core capital (leverage) ratio | 9.2726% | 4,639 |
| Tier 1 risk-based capital ratio | 14.2209% | 4,367 |
| Total risk-based capital ratio | 15.4877% | 4,329 |
| Memoranda: | ||
| Average total assets | $523,589,000 | 1,288 |
| Average earning assets | $475,606,250 | 1,300 |
| Average equity | $53,376,000 | 1,342 |
| Average total loans | $349,035,000 | 1,204 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0853% | 1,540 |
| Cost of funding earning assets | 1.3829% | 374 |
| Net interest margin | 3.7024% | 3,805 |
| Noninterest income to average assets | 0.8680% | 1,895 |
| Noninterest expense to average assets | 3.3352% | 2,201 |
| Loan and lease loss provision to assets | 0.3560% | 1,855 |
| Net operating income to assets | 0.3818% | 5,286 |
| Return on assets (ROA) | 0.4265% | 5,355 |
| Pretax return on assets | 0.5899% | 5,174 |
| Return on Equity (ROE) | 4.1876% | 5,185 |
| Retained earnings to average equity (ytd only) | 4.1876% | 3,823 |
| Net charge-offs to loans | 1.3285% | 795 |
| Credit loss provision to net charge-offs | 39.3554% | 4,276 |
| Earnings coverage of net charge-offs (x) | 0.9771% | 4,544 |
| Efficiency ratio | 79.0526% | 2,315 |
| Assets per employee ($millions) | 3.5020% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4057% | 1,402 |
| Loan loss allowance to noncurrent loans | 23.2667% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 7.5904% | 476 |
| Noncurrent loans to loans | 10.3396% | 246 |
| Net loans and leases to total assets | 64.2899% | 2,970 |
| Net loans and leases to deposits | 90.2839% | 1,121 |
| Net loans and leases to core deposits | 99.5073% | 1,133 |
| Total domestic deposits to total assets | 71.2086% | 6,845 |
| Equity capital to assets | 10.2691% | 3,974 |
| Core capital (leverage) ratio | 9.0207% | 4,883 |
| Tier 1 risk-based capital ratio | 13.3220% | 4,950 |
| Total risk-based capital ratio | 14.5891% | 4,900 |
| Memoranda: | ||
| Average total assets | $521,402,000 | 1,301 |
| Average earning assets | $471,910,330 | 1,311 |
| Average equity | $53,109,000 | 1,341 |
| Average total loans | $354,979,670 | 1,178 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1638% | 1,399 |
| Cost of funding earning assets | 1.4637% | 335 |
| Net interest margin | 3.7001% | 3,827 |
| Noninterest income to average assets | 0.5879% | 3,310 |
| Noninterest expense to average assets | 3.5671% | 1,633 |
| Loan and lease loss provision to assets | 0.0008% | 5,249 |
| Net operating income to assets | 0.3085% | 5,636 |
| Return on assets (ROA) | 0.3507% | 5,651 |
| Pretax return on assets | 0.4344% | 5,632 |
| Return on Equity (ROE) | 3.4574% | 5,529 |
| Retained earnings to average equity (ytd only) | 3.4574% | 4,505 |
| Net charge-offs to loans | 1.8879% | 507 |
| Credit loss provision to net charge-offs | 0.0588% | 3,997 |
| Earnings coverage of net charge-offs (x) | 0.2932% | 4,217 |
| Efficiency ratio | 90.3050% | 1,071 |
| Assets per employee ($millions) | 3.4967% | 5,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2800% | 1,713 |
| Loan loss allowance to noncurrent loans | 23.9993% | 6,422 |
| Noncurrent assets plus other real estate owned to assets | 7.3571% | 558 |
| Noncurrent loans to loans | 9.5001% | 334 |
| Net loans and leases to total assets | 65.7955% | 2,502 |
| Net loans and leases to deposits | 93.0179% | 725 |
| Net loans and leases to core deposits | 103.0689% | 806 |
| Total domestic deposits to total assets | 70.7342% | 6,946 |
| Equity capital to assets | 10.1740% | 3,884 |
| Core capital (leverage) ratio | 9.2077% | 4,504 |
| Tier 1 risk-based capital ratio | 13.4392% | 4,871 |
| Total risk-based capital ratio | 14.7045% | 4,851 |
| Memoranda: | ||
| Average total assets | $521,207,500 | 1,303 |
| Average earning assets | $473,607,500 | 1,315 |
| Average equity | $52,872,000 | 1,340 |
| Average total loans | $360,605,500 | 1,164 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5058% | 1,162 |
| Cost of funding earning assets | 1.7428% | 271 |
| Net interest margin | 3.7631% | 4,017 |
| Noninterest income to average assets | 0.6508% | 2,882 |
| Noninterest expense to average assets | 3.1720% | 2,961 |
| Loan and lease loss provision to assets | 3.9285% | 54 |
| Net operating income to assets | -1.8053% | 6,990 |
| Return on assets (ROA) | -1.6333% | 6,959 |
| Pretax return on assets | -2.7349% | 7,154 |
| Return on Equity (ROE) | -16.4620% | 6,925 |
| Retained earnings to average equity (ytd only) | -16.4620% | 6,904 |
| Net charge-offs to loans | 5.3409% | 64 |
| Credit loss provision to net charge-offs | 95.9396% | 3,761 |
| Earnings coverage of net charge-offs (x) | 0.2258% | 5,658 |
| Efficiency ratio | 77.4271% | 2,670 |
| Assets per employee ($millions) | 3.4761% | 5,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6184% | 1,168 |
| Loan loss allowance to noncurrent loans | 25.6818% | 6,402 |
| Noncurrent assets plus other real estate owned to assets | 7.9044% | 518 |
| Noncurrent loans to loans | 10.1956% | 303 |
| Net loans and leases to total assets | 69.1809% | 2,187 |
| Net loans and leases to deposits | 96.1748% | 662 |
| Net loans and leases to core deposits | 106.9949% | 756 |
| Total domestic deposits to total assets | 71.9325% | 6,872 |
| Equity capital to assets | 10.1143% | 4,018 |
| Core capital (leverage) ratio | 8.6340% | 5,340 |
| Tier 1 risk-based capital ratio | 12.4742% | 5,472 |
| Total risk-based capital ratio | 13.7441% | 5,438 |
| Memoranda: | ||
| Average total assets | $538,296,400 | 1,237 |
| Average earning assets | $492,949,800 | 1,228 |
| Average equity | $53,408,000 | 1,271 |
| Average total loans | $412,702,800 | 1,018 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5538% | 1,132 |
| Cost of funding earning assets | 1.7955% | 264 |
| Net interest margin | 3.7583% | 4,072 |
| Noninterest income to average assets | 0.6343% | 2,970 |
| Noninterest expense to average assets | 3.1743% | 2,908 |
| Loan and lease loss provision to assets | 4.8929% | 34 |
| Net operating income to assets | -2.3998% | 7,198 |
| Return on assets (ROA) | -2.2146% | 7,184 |
| Pretax return on assets | -3.6950% | 7,316 |
| Return on Equity (ROE) | -22.4250% | 7,130 |
| Retained earnings to average equity (ytd only) | -22.4250% | 7,119 |
| Net charge-offs to loans | 4.7905% | 104 |
| Credit loss provision to net charge-offs | 130.9114% | 2,433 |
| Earnings coverage of net charge-offs (x) | 0.2430% | 5,416 |
| Efficiency ratio | 77.7510% | 2,577 |
| Assets per employee ($millions) | 3.5413% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8911% | 428 |
| Loan loss allowance to noncurrent loans | 33.8760% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 9.1665% | 422 |
| Noncurrent loans to loans | 11.4862% | 257 |
| Net loans and leases to total assets | 71.5979% | 1,798 |
| Net loans and leases to deposits | 98.6533% | 538 |
| Net loans and leases to core deposits | 109.7335% | 684 |
| Total domestic deposits to total assets | 72.5752% | 6,890 |
| Equity capital to assets | 9.9803% | 4,368 |
| Core capital (leverage) ratio | 8.6803% | 5,441 |
| Tier 1 risk-based capital ratio | 12.1600% | 5,769 |
| Total risk-based capital ratio | 13.4475% | 5,727 |
| Memoranda: | ||
| Average total assets | $542,518,500 | 1,220 |
| Average earning assets | $497,759,500 | 1,221 |
| Average equity | $53,575,750 | 1,272 |
| Average total loans | $423,275,000 | 994 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6521% | 959 |
| Cost of funding earning assets | 1.8410% | 269 |
| Net interest margin | 3.8111% | 3,723 |
| Noninterest income to average assets | 0.6327% | 2,932 |
| Noninterest expense to average assets | 3.2922% | 2,595 |
| Loan and lease loss provision to assets | 6.7623% | 16 |
| Net operating income to assets | -3.5895% | 7,370 |
| Return on assets (ROA) | -3.4829% | 7,368 |
| Pretax return on assets | -5.7522% | 7,455 |
| Return on Equity (ROE) | -35.3893% | 7,284 |
| Retained earnings to average equity (ytd only) | -35.3893% | 7,278 |
| Net charge-offs to loans | 6.5131% | 67 |
| Credit loss provision to net charge-offs | 131.1721% | 2,329 |
| Earnings coverage of net charge-offs (x) | 0.1636% | 5,178 |
| Efficiency ratio | 79.6043% | 2,450 |
| Assets per employee ($millions) | 3.6706% | 4,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6238% | 548 |
| Loan loss allowance to noncurrent loans | 36.3970% | 5,865 |
| Noncurrent assets plus other real estate owned to assets | 8.0741% | 567 |
| Noncurrent loans to loans | 9.9564% | 389 |
| Net loans and leases to total assets | 72.9062% | 1,612 |
| Net loans and leases to deposits | 100.9900% | 447 |
| Net loans and leases to core deposits | 113.8408% | 579 |
| Total domestic deposits to total assets | 72.1915% | 6,991 |
| Equity capital to assets | 9.6069% | 4,651 |
| Core capital (leverage) ratio | 8.3382% | 5,810 |
| Tier 1 risk-based capital ratio | 11.3395% | 6,291 |
| Total risk-based capital ratio | 12.6241% | 6,257 |
| Memoranda: | ||
| Average total assets | $547,475,670 | 1,224 |
| Average earning assets | $503,208,000 | 1,214 |
| Average equity | $53,880,670 | 1,250 |
| Average total loans | $433,340,330 | 994 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6952% | 889 |
| Cost of funding earning assets | 1.9240% | 225 |
| Net interest margin | 3.7711% | 3,754 |
| Noninterest income to average assets | 0.5397% | 3,583 |
| Noninterest expense to average assets | 3.7645% | 1,413 |
| Loan and lease loss provision to assets | 11.9390% | 5 |
| Net operating income to assets | -7.1185% | 7,528 |
| Return on assets (ROA) | -7.1171% | 7,528 |
| Pretax return on assets | -11.6921% | 7,559 |
| Return on Equity (ROE) | -71.4647% | 7,470 |
| Retained earnings to average equity (ytd only) | -71.4647% | 7,462 |
| Net charge-offs to loans | 9.4416% | 44 |
| Credit loss provision to net charge-offs | 156.3002% | 1,835 |
| Earnings coverage of net charge-offs (x) | 0.0320% | 4,558 |
| Efficiency ratio | 93.8980% | 1,042 |
| Assets per employee ($millions) | 3.6545% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8361% | 476 |
| Loan loss allowance to noncurrent loans | 38.9292% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 8.1442% | 577 |
| Noncurrent loans to loans | 9.8541% | 414 |
| Net loans and leases to total assets | 76.3956% | 981 |
| Net loans and leases to deposits | 105.7747% | 256 |
| Net loans and leases to core deposits | 119.8411% | 419 |
| Total domestic deposits to total assets | 72.2248% | 7,065 |
| Equity capital to assets | 9.7140% | 4,156 |
| Core capital (leverage) ratio | 8.3929% | 5,641 |
| Tier 1 risk-based capital ratio | 10.9785% | 6,523 |
| Total risk-based capital ratio | 12.2654% | 6,483 |
| Memoranda: | ||
| Average total assets | $547,752,500 | 1,231 |
| Average earning assets | $503,937,500 | 1,220 |
| Average equity | $54,550,000 | 1,224 |
| Average total loans | $443,144,000 | 986 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9349% | 973 |
| Cost of funding earning assets | 2.3692% | 171 |
| Net interest margin | 3.5657% | 4,978 |
| Noninterest income to average assets | 0.5790% | 3,591 |
| Noninterest expense to average assets | 2.7004% | 4,986 |
| Loan and lease loss provision to assets | 1.1409% | 1,398 |
| Net operating income to assets | 0.0464% | 5,710 |
| Return on assets (ROA) | 0.1244% | 5,671 |
| Pretax return on assets | 0.1160% | 5,673 |
| Return on Equity (ROE) | 1.3160% | 5,617 |
| Retained earnings to average equity (ytd only) | 1.3160% | 4,888 |
| Net charge-offs to loans | 1.6945% | 1,280 |
| Credit loss provision to net charge-offs | 82.8007% | 5,455 |
| Earnings coverage of net charge-offs (x) | 0.8556% | 5,278 |
| Efficiency ratio | 69.6114% | 4,263 |
| Assets per employee ($millions) | 3.5783% | 4,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3201% | 1,664 |
| Loan loss allowance to noncurrent loans | 26.4222% | 6,512 |
| Noncurrent assets plus other real estate owned to assets | 7.5475% | 684 |
| Noncurrent loans to loans | 8.7810% | 544 |
| Net loans and leases to total assets | 80.4150% | 612 |
| Net loans and leases to deposits | 112.3208% | 196 |
| Net loans and leases to core deposits | 127.0780% | 374 |
| Total domestic deposits to total assets | 71.5940% | 7,122 |
| Equity capital to assets | 10.1977% | 3,505 |
| Core capital (leverage) ratio | 9.2843% | 4,035 |
| Tier 1 risk-based capital ratio | 12.0016% | 5,472 |
| Total risk-based capital ratio | 13.2668% | 5,441 |
| Memoranda: | ||
| Average total assets | $594,976,200 | 1,129 |
| Average earning assets | $550,690,200 | 1,102 |
| Average equity | $56,229,600 | 1,179 |
| Average total loans | $483,801,400 | 927 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9402% | 1,054 |
| Cost of funding earning assets | 2.4472% | 173 |
| Net interest margin | 3.4930% | 5,318 |
| Noninterest income to average assets | 0.5348% | 3,909 |
| Noninterest expense to average assets | 2.6707% | 5,002 |
| Loan and lease loss provision to assets | 1.1003% | 1,322 |
| Net operating income to assets | 0.0364% | 5,909 |
| Return on assets (ROA) | 0.1271% | 5,865 |
| Pretax return on assets | 0.0892% | 5,928 |
| Return on Equity (ROE) | 1.3702% | 5,801 |
| Retained earnings to average equity (ytd only) | 1.3702% | 5,259 |
| Net charge-offs to loans | 1.7945% | 1,085 |
| Credit loss provision to net charge-offs | 75.6171% | 5,264 |
| Earnings coverage of net charge-offs (x) | 0.7551% | 5,305 |
| Efficiency ratio | 70.8523% | 3,910 |
| Assets per employee ($millions) | 3.6312% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2290% | 1,743 |
| Loan loss allowance to noncurrent loans | 27.0607% | 6,516 |
| Noncurrent assets plus other real estate owned to assets | 6.9527% | 782 |
| Noncurrent loans to loans | 8.2371% | 612 |
| Net loans and leases to total assets | 79.4632% | 831 |
| Net loans and leases to deposits | 113.4093% | 196 |
| Net loans and leases to core deposits | 128.7071% | 401 |
| Total domestic deposits to total assets | 70.0676% | 7,271 |
| Equity capital to assets | 9.8712% | 4,330 |
| Core capital (leverage) ratio | 9.0023% | 4,690 |
| Tier 1 risk-based capital ratio | 11.6958% | 5,733 |
| Total risk-based capital ratio | 12.9595% | 5,694 |
| Memoranda: | ||
| Average total assets | $605,059,250 | 1,111 |
| Average earning assets | $560,302,500 | 1,083 |
| Average equity | $56,146,750 | 1,181 |
| Average total loans | $490,599,000 | 923 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0163% | 913 |
| Cost of funding earning assets | 2.5041% | 172 |
| Net interest margin | 3.5122% | 5,203 |
| Noninterest income to average assets | 0.5472% | 3,736 |
| Noninterest expense to average assets | 2.6541% | 5,110 |
| Loan and lease loss provision to assets | 0.8916% | 1,636 |
| Net operating income to assets | 0.2359% | 5,433 |
| Return on assets (ROA) | 0.2840% | 5,397 |
| Pretax return on assets | 0.3074% | 5,474 |
| Return on Equity (ROE) | 3.1223% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.1223% | 4,122 |
| Net charge-offs to loans | 1.0800% | 1,743 |
| Credit loss provision to net charge-offs | 101.8938% | 4,002 |
| Earnings coverage of net charge-offs (x) | 1.3104% | 4,518 |
| Efficiency ratio | 69.8299% | 4,219 |
| Assets per employee ($millions) | 3.7512% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4944% | 1,308 |
| Loan loss allowance to noncurrent loans | 29.3238% | 6,411 |
| Noncurrent assets plus other real estate owned to assets | 7.1414% | 733 |
| Noncurrent loans to loans | 8.5063% | 584 |
| Net loans and leases to total assets | 78.5138% | 1,027 |
| Net loans and leases to deposits | 112.5040% | 226 |
| Net loans and leases to core deposits | 128.1124% | 463 |
| Total domestic deposits to total assets | 69.7876% | 7,340 |
| Equity capital to assets | 9.3280% | 4,967 |
| Core capital (leverage) ratio | 8.7634% | 4,982 |
| Tier 1 risk-based capital ratio | 11.3973% | 5,865 |
| Total risk-based capital ratio | 12.6644% | 5,830 |
| Memoranda: | ||
| Average total assets | $615,500,000 | 1,091 |
| Average earning assets | $570,183,000 | 1,072 |
| Average equity | $55,984,000 | 1,177 |
| Average total loans | $498,697,330 | 912 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0408% | 902 |
| Cost of funding earning assets | 2.5766% | 179 |
| Net interest margin | 3.4641% | 5,315 |
| Noninterest income to average assets | 0.4634% | 4,349 |
| Noninterest expense to average assets | 2.7601% | 4,650 |
| Loan and lease loss provision to assets | 0.9147% | 1,390 |
| Net operating income to assets | 0.1322% | 5,917 |
| Return on assets (ROA) | 0.2234% | 5,725 |
| Pretax return on assets | 0.0918% | 6,156 |
| Return on Equity (ROE) | 2.4865% | 5,563 |
| Retained earnings to average equity (ytd only) | 2.4865% | 4,646 |
| Net charge-offs to loans | 1.2188% | 1,396 |
| Credit loss provision to net charge-offs | 92.3526% | 3,606 |
| Earnings coverage of net charge-offs (x) | 0.9242% | 4,221 |
| Efficiency ratio | 75.0961% | 3,386 |
| Assets per employee ($millions) | 4.0729% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3759% | 1,451 |
| Loan loss allowance to noncurrent loans | 26.9176% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 7.5437% | 675 |
| Noncurrent loans to loans | 8.8264% | 566 |
| Net loans and leases to total assets | 79.9434% | 851 |
| Net loans and leases to deposits | 113.5492% | 217 |
| Net loans and leases to core deposits | 132.6509% | 424 |
| Total domestic deposits to total assets | 70.4041% | 7,383 |
| Equity capital to assets | 9.1577% | 5,052 |
| Core capital (leverage) ratio | 8.4552% | 5,457 |
| Tier 1 risk-based capital ratio | 11.0163% | 6,140 |
| Total risk-based capital ratio | 12.2829% | 6,095 |
| Memoranda: | ||
| Average total assets | $623,155,000 | 1,106 |
| Average earning assets | $577,805,000 | 1,086 |
| Average equity | $55,983,000 | 1,187 |
| Average total loans | $506,402,500 | 924 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2850% | 1,056 |
| Cost of funding earning assets | 2.9844% | 248 |
| Net interest margin | 3.3006% | 5,745 |
| Noninterest income to average assets | 0.5270% | 4,203 |
| Noninterest expense to average assets | 2.5556% | 5,936 |
| Loan and lease loss provision to assets | 2.8141% | 651 |
| Net operating income to assets | -1.0843% | 6,633 |
| Return on assets (ROA) | -1.0761% | 6,634 |
| Pretax return on assets | -1.7491% | 6,839 |
| Return on Equity (ROE) | -11.6134% | 6,743 |
| Retained earnings to average equity (ytd only) | -11.6134% | 6,651 |
| Net charge-offs to loans | 2.3548% | 981 |
| Credit loss provision to net charge-offs | 146.8321% | 3,215 |
| Earnings coverage of net charge-offs (x) | 0.5490% | 5,559 |
| Efficiency ratio | 70.8362% | 4,470 |
| Assets per employee ($millions) | 3.9711% | 3,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3421% | 1,415 |
| Loan loss allowance to noncurrent loans | 30.0288% | 6,473 |
| Noncurrent assets plus other real estate owned to assets | 6.6502% | 807 |
| Noncurrent loans to loans | 7.7997% | 658 |
| Net loans and leases to total assets | 78.7744% | 1,233 |
| Net loans and leases to deposits | 113.3920% | 277 |
| Net loans and leases to core deposits | 135.3378% | 984 |
| Total domestic deposits to total assets | 69.4709% | 7,463 |
| Equity capital to assets | 8.8166% | 5,405 |
| Core capital (leverage) ratio | 8.0799% | 6,035 |
| Tier 1 risk-based capital ratio | 10.5451% | 6,348 |
| Total risk-based capital ratio | 11.8109% | 6,316 |
| Memoranda: | ||
| Average total assets | $639,077,600 | 1,084 |
| Average earning assets | $596,497,400 | 1,049 |
| Average equity | $59,216,200 | 1,119 |
| Average total loans | $520,138,200 | 917 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3461% | 1,035 |
| Cost of funding earning assets | 3.0320% | 302 |
| Net interest margin | 3.3140% | 5,589 |
| Noninterest income to average assets | 0.5060% | 4,438 |
| Noninterest expense to average assets | 2.5737% | 5,812 |
| Loan and lease loss provision to assets | 2.6662% | 599 |
| Net operating income to assets | -1.0116% | 6,840 |
| Return on assets (ROA) | -1.0014% | 6,839 |
| Pretax return on assets | -1.6187% | 7,021 |
| Return on Equity (ROE) | -10.6792% | 6,939 |
| Retained earnings to average equity (ytd only) | -10.6792% | 6,866 |
| Net charge-offs to loans | 1.4823% | 1,386 |
| Credit loss provision to net charge-offs | 220.5031% | 1,989 |
| Earnings coverage of net charge-offs (x) | 0.8532% | 5,206 |
| Efficiency ratio | 71.3856% | 4,348 |
| Assets per employee ($millions) | 3.9820% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5535% | 1,013 |
| Loan loss allowance to noncurrent loans | 34.6212% | 6,113 |
| Noncurrent assets plus other real estate owned to assets | 6.1781% | 851 |
| Noncurrent loans to loans | 7.3755% | 706 |
| Net loans and leases to total assets | 79.4364% | 1,298 |
| Net loans and leases to deposits | 114.4862% | 310 |
| Net loans and leases to core deposits | 136.4162% | 1,079 |
| Total domestic deposits to total assets | 69.3851% | 7,460 |
| Equity capital to assets | 9.0984% | 5,342 |
| Core capital (leverage) ratio | 8.9170% | 4,782 |
| Tier 1 risk-based capital ratio | 11.3977% | 5,539 |
| Total risk-based capital ratio | 12.6674% | 5,457 |
| Memoranda: | ||
| Average total assets | $640,002,000 | 1,096 |
| Average earning assets | $598,530,250 | 1,063 |
| Average equity | $60,015,500 | 1,121 |
| Average total loans | $522,042,500 | 930 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3864% | 1,036 |
| Cost of funding earning assets | 3.0902% | 362 |
| Net interest margin | 3.2961% | 5,573 |
| Noninterest income to average assets | 0.4269% | 5,065 |
| Noninterest expense to average assets | 2.5446% | 5,969 |
| Loan and lease loss provision to assets | 3.6976% | 365 |
| Net operating income to assets | -1.7158% | 7,331 |
| Return on assets (ROA) | -1.7081% | 7,325 |
| Pretax return on assets | -2.7212% | 7,480 |
| Return on Equity (ROE) | -18.0368% | 7,456 |
| Retained earnings to average equity (ytd only) | -18.0368% | 7,394 |
| Net charge-offs to loans | 1.2652% | 1,462 |
| Credit loss provision to net charge-offs | 358.2225% | 1,297 |
| Earnings coverage of net charge-offs (x) | 0.9341% | 4,829 |
| Efficiency ratio | 72.5211% | 4,301 |
| Assets per employee ($millions) | 4.0668% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8418% | 654 |
| Loan loss allowance to noncurrent loans | 44.6394% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 5.3182% | 960 |
| Noncurrent loans to loans | 6.3662% | 839 |
| Net loans and leases to total assets | 78.7998% | 1,572 |
| Net loans and leases to deposits | 113.3630% | 427 |
| Net loans and leases to core deposits | 133.6271% | 1,336 |
| Total domestic deposits to total assets | 69.5111% | 7,513 |
| Equity capital to assets | 8.9069% | 5,445 |
| Core capital (leverage) ratio | 8.6421% | 5,192 |
| Tier 1 risk-based capital ratio | 11.2347% | 5,658 |
| Total risk-based capital ratio | 12.5072% | 5,548 |
| Memoranda: | ||
| Average total assets | $640,962,000 | 1,119 |
| Average earning assets | $599,309,330 | 1,074 |
| Average equity | $60,698,000 | 1,127 |
| Average total loans | $522,933,670 | 944 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7639% | 510 |
| Cost of funding earning assets | 3.1070% | 451 |
| Net interest margin | 3.6569% | 4,073 |
| Noninterest income to average assets | 0.4680% | 4,609 |
| Noninterest expense to average assets | 2.3938% | 6,210 |
| Loan and lease loss provision to assets | 1.1872% | 1,090 |
| Net operating income to assets | 0.1388% | 5,864 |
| Return on assets (ROA) | 0.1668% | 5,932 |
| Pretax return on assets | 0.3468% | 5,542 |
| Return on Equity (ROE) | 1.7107% | 5,872 |
| Retained earnings to average equity (ytd only) | 1.7107% | 4,890 |
| Net charge-offs to loans | 1.6906% | 853 |
| Credit loss provision to net charge-offs | 85.8175% | 4,089 |
| Earnings coverage of net charge-offs (x) | 1.0772% | 4,224 |
| Efficiency ratio | 61.6313% | 6,122 |
| Assets per employee ($millions) | 4.1419% | 3,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1421% | 5,175 |
| Loan loss allowance to noncurrent loans | 53.5480% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.8625% | 3,125 |
| Noncurrent loans to loans | 2.1329% | 3,075 |
| Net loans and leases to total assets | 79.2513% | 1,531 |
| Net loans and leases to deposits | 114.3898% | 431 |
| Net loans and leases to core deposits | 136.4007% | 1,276 |
| Total domestic deposits to total assets | 69.2818% | 7,488 |
| Equity capital to assets | 9.6438% | 4,464 |
| Core capital (leverage) ratio | 9.8293% | 3,602 |
| Tier 1 risk-based capital ratio | 12.1864% | 4,799 |
| Total risk-based capital ratio | 13.3576% | 4,769 |
| Memoranda: | ||
| Average total assets | $640,162,500 | 1,120 |
| Average earning assets | $597,997,500 | 1,077 |
| Average equity | $62,431,000 | 1,090 |
| Average total loans | $523,827,000 | 950 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2549% | 652 |
| Cost of funding earning assets | 3.5204% | 486 |
| Net interest margin | 3.7345% | 4,304 |
| Noninterest income to average assets | 0.4371% | 5,150 |
| Noninterest expense to average assets | 2.4630% | 6,157 |
| Loan and lease loss provision to assets | 0.9184% | 1,622 |
| Net operating income to assets | 0.3791% | 5,229 |
| Return on assets (ROA) | 0.3425% | 5,205 |
| Pretax return on assets | 0.4824% | 5,026 |
| Return on Equity (ROE) | 3.5755% | 5,005 |
| Retained earnings to average equity (ytd only) | 3.5755% | 2,920 |
| Net charge-offs to loans | 0.9768% | 1,266 |
| Credit loss provision to net charge-offs | 115.1967% | 4,690 |
| Earnings coverage of net charge-offs (x) | 1.8216% | 5,163 |
| Efficiency ratio | 62.9090% | 5,796 |
| Assets per employee ($millions) | 4.0388% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 4,616 |
| Loan loss allowance to noncurrent loans | 42.6192% | 5,886 |
| Noncurrent assets plus other real estate owned to assets | 2.4519% | 1,977 |
| Noncurrent loans to loans | 2.7941% | 1,943 |
| Net loans and leases to total assets | 82.5459% | 1,129 |
| Net loans and leases to deposits | 118.8731% | 414 |
| Net loans and leases to core deposits | 138.5307% | 1,340 |
| Total domestic deposits to total assets | 69.4403% | 7,338 |
| Equity capital to assets | 9.8644% | 4,203 |
| Core capital (leverage) ratio | 9.6918% | 3,778 |
| Tier 1 risk-based capital ratio | 12.1393% | 4,712 |
| Total risk-based capital ratio | 13.3730% | 4,610 |
| Memoranda: | ||
| Average total assets | $631,456,400 | 1,061 |
| Average earning assets | $588,112,000 | 1,049 |
| Average equity | $60,495,600 | 1,110 |
| Average total loans | $515,349,400 | 925 |