Home > First County Bank > Performance and Condition Ratios
First County Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2374% | 3,557 |
| Cost of funding earning assets | 1.7581% | 1,332 |
| Net interest margin | 2.4794% | 4,110 |
| Noninterest income to average assets | 0.3900% | 2,564 |
| Noninterest expense to average assets | 2.1221% | 3,349 |
| Loan and lease loss provision to assets | -0.0200% | 4,327 |
| Net operating income to assets | 0.4841% | 3,699 |
| Return on assets (ROA) | 0.4851% | 3,695 |
| Pretax return on assets | 0.5928% | 3,644 |
| Return on Equity (ROE) | 7.1900% | 3,235 |
| Retained earnings to average equity (ytd only) | 7.1881% | 1,835 |
| Net charge-offs to loans | -0.0004% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 78.7257% | 1,010 |
| Assets per employee ($millions) | 11.6389% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,312 |
| Loan loss allowance to noncurrent loans | 1,090.0391% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,106 |
| Noncurrent loans to loans | 0.0917% | 3,083 |
| Net loans and leases to total assets | 74.6300% | 1,282 |
| Net loans and leases to deposits | 101.7143% | 450 |
| Net loans and leases to core deposits | 119.3941% | 644 |
| Total domestic deposits to total assets | 73.3700% | 4,143 |
| Equity capital to assets | 7.0895% | 3,906 |
| Core capital (leverage) ratio | 9.4038% | 3,337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4585% | 1,700 |
| Memoranda: | ||
| Average total assets | $2,133,314,000 | 540 |
| Average earning assets | $1,981,714,200 | 526 |
| Average equity | $143,973,600 | 694 |
| Average total loans | $1,625,086,400 | 491 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1711% | 3,523 |
| Cost of funding earning assets | 1.5933% | 1,382 |
| Net interest margin | 2.5778% | 4,055 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.1838% | 3,122 |
| Loan and lease loss provision to assets | -0.0300% | 4,416 |
| Net operating income to assets | 0.5213% | 3,719 |
| Return on assets (ROA) | 0.5186% | 3,711 |
| Pretax return on assets | 0.6334% | 3,672 |
| Return on Equity (ROE) | 7.7900% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.7883% | 2,041 |
| Net charge-offs to loans | -0.0026% | 3,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 78.3405% | 987 |
| Assets per employee ($millions) | 10.2284% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 3,314 |
| Loan loss allowance to noncurrent loans | 516.7754% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 2,502 |
| Noncurrent loans to loans | 0.1955% | 2,576 |
| Net loans and leases to total assets | 76.2600% | 1,090 |
| Net loans and leases to deposits | 102.7110% | 402 |
| Net loans and leases to core deposits | 121.9223% | 506 |
| Total domestic deposits to total assets | 74.2500% | 4,140 |
| Equity capital to assets | 6.8696% | 3,676 |
| Core capital (leverage) ratio | 9.5770% | 3,218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5893% | 1,685 |
| Memoranda: | ||
| Average total assets | $2,110,883,000 | 548 |
| Average earning assets | $1,960,854,000 | 534 |
| Average equity | $140,566,500 | 701 |
| Average total loans | $1,612,406,750 | 492 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1010% | 3,485 |
| Cost of funding earning assets | 1.4591% | 1,316 |
| Net interest margin | 2.6420% | 4,053 |
| Noninterest income to average assets | 0.4000% | 2,440 |
| Noninterest expense to average assets | 2.2024% | 3,068 |
| Loan and lease loss provision to assets | -0.0300% | 4,442 |
| Net operating income to assets | 0.5597% | 3,676 |
| Return on assets (ROA) | 0.5599% | 3,685 |
| Pretax return on assets | 0.6840% | 3,632 |
| Return on Equity (ROE) | 8.5000% | 3,111 |
| Retained earnings to average equity (ytd only) | 8.4986% | 1,821 |
| Net charge-offs to loans | 0.0019% | 2,313 |
| Credit loss provision to net charge-offs | -2,260.0000% | 4,644 |
| Earnings coverage of net charge-offs (x) | 456.5333% | 325 |
| Efficiency ratio | 77.1695% | 1,075 |
| Assets per employee ($millions) | 9.7312% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0303% | 3,294 |
| Loan loss allowance to noncurrent loans | 493.6709% | 1,569 |
| Noncurrent assets plus other real estate owned to assets | 0.1601% | 2,433 |
| Noncurrent loans to loans | 0.2087% | 2,427 |
| Net loans and leases to total assets | 75.9400% | 1,057 |
| Net loans and leases to deposits | 100.5136% | 495 |
| Net loans and leases to core deposits | 115.7567% | 632 |
| Total domestic deposits to total assets | 75.5500% | 4,079 |
| Equity capital to assets | 6.7410% | 3,901 |
| Core capital (leverage) ratio | 9.5147% | 3,237 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4934% | 1,729 |
| Memoranda: | ||
| Average total assets | $2,101,935,333 | 536 |
| Average earning assets | $1,952,482,667 | 525 |
| Average equity | $138,470,667 | 708 |
| Average total loans | $1,600,889,667 | 482 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0059% | 3,444 |
| Cost of funding earning assets | 1.3198% | 1,188 |
| Net interest margin | 2.6861% | 4,091 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.1342% | 3,288 |
| Loan and lease loss provision to assets | -0.0400% | 4,493 |
| Net operating income to assets | 0.6415% | 3,605 |
| Return on assets (ROA) | 0.6460% | 3,553 |
| Pretax return on assets | 0.7959% | 3,476 |
| Return on Equity (ROE) | 9.9200% | 2,809 |
| Retained earnings to average equity (ytd only) | 9.9234% | 1,719 |
| Net charge-offs to loans | -0.0003% | 3,258 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9859% | 1,342 |
| Assets per employee ($millions) | 9.9466% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0520% | 3,286 |
| Loan loss allowance to noncurrent loans | 364.6476% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 2,031 |
| Noncurrent loans to loans | 0.2885% | 2,112 |
| Net loans and leases to total assets | 75.4500% | 1,027 |
| Net loans and leases to deposits | 95.7689% | 662 |
| Net loans and leases to core deposits | 109.5758% | 718 |
| Total domestic deposits to total assets | 78.7800% | 3,913 |
| Equity capital to assets | 6.5827% | 4,003 |
| Core capital (leverage) ratio | 9.5545% | 3,144 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5191% | 1,794 |
| Memoranda: | ||
| Average total assets | $2,092,202,000 | 549 |
| Average earning assets | $1,943,037,000 | 539 |
| Average equity | $136,204,000 | 724 |
| Average total loans | $1,587,457,000 | 497 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5322% | 2,996 |
| Cost of funding earning assets | 0.4963% | 1,414 |
| Net interest margin | 3.0359% | 3,338 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.4219% | 2,357 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 0.5607% | 3,965 |
| Return on assets (ROA) | 0.5516% | 3,951 |
| Pretax return on assets | 0.6830% | 3,885 |
| Return on Equity (ROE) | 7.5400% | 3,510 |
| Retained earnings to average equity (ytd only) | 7.5407% | 2,008 |
| Net charge-offs to loans | -0.0078% | 3,740 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.7438% | 1,146 |
| Assets per employee ($millions) | 9.5710% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0977% | 2,906 |
| Loan loss allowance to noncurrent loans | 377.3804% | 1,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 2,063 |
| Noncurrent loans to loans | 0.2909% | 2,101 |
| Net loans and leases to total assets | 74.6200% | 1,166 |
| Net loans and leases to deposits | 93.6091% | 808 |
| Net loans and leases to core deposits | 105.3835% | 772 |
| Total domestic deposits to total assets | 79.7100% | 3,918 |
| Equity capital to assets | 6.4378% | 3,922 |
| Core capital (leverage) ratio | 9.4765% | 3,169 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6729% | 1,742 |
| Memoranda: | ||
| Average total assets | $1,993,692,000 | 551 |
| Average earning assets | $1,850,076,400 | 543 |
| Average equity | $145,835,400 | 696 |
| Average total loans | $1,402,652,200 | 510 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3873% | 2,946 |
| Cost of funding earning assets | 0.3434% | 1,760 |
| Net interest margin | 3.0439% | 3,102 |
| Noninterest income to average assets | 0.4200% | 2,617 |
| Noninterest expense to average assets | 2.3991% | 2,332 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.5623% | 3,933 |
| Return on assets (ROA) | 0.5500% | 3,912 |
| Pretax return on assets | 0.6777% | 3,837 |
| Return on Equity (ROE) | 7.2900% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.2886% | 2,270 |
| Net charge-offs to loans | -0.0021% | 3,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.9830% | 1,276 |
| Assets per employee ($millions) | 9.4810% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1027% | 3,008 |
| Loan loss allowance to noncurrent loans | 128.1395% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.6428% | 822 |
| Noncurrent loans to loans | 0.8606% | 912 |
| Net loans and leases to total assets | 73.8700% | 1,111 |
| Net loans and leases to deposits | 94.2208% | 629 |
| Net loans and leases to core deposits | 103.6325% | 665 |
| Total domestic deposits to total assets | 78.4000% | 4,228 |
| Equity capital to assets | 6.0852% | 3,931 |
| Core capital (leverage) ratio | 9.7503% | 2,814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5556% | 1,858 |
| Memoranda: | ||
| Average total assets | $1,972,888,250 | 555 |
| Average earning assets | $1,830,916,500 | 548 |
| Average equity | $148,867,250 | 687 |
| Average total loans | $1,361,574,250 | 514 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2953% | 2,753 |
| Cost of funding earning assets | 0.2843% | 1,858 |
| Net interest margin | 3.0110% | 2,842 |
| Noninterest income to average assets | 0.4758% | 2,326 |
| Noninterest expense to average assets | 2.4122% | 2,194 |
| Loan and lease loss provision to assets | 0.1273% | 767 |
| Net operating income to assets | 0.6021% | 3,621 |
| Return on assets (ROA) | 0.5894% | 3,602 |
| Pretax return on assets | 0.7179% | 3,533 |
| Return on Equity (ROE) | 7.3144% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.3144% | 1,879 |
| Net charge-offs to loans | -0.0054% | 3,366 |
| Credit loss provision to net charge-offs | -3,542.8571% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7012% | 1,546 |
| Assets per employee ($millions) | 8.6864% | 990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 2,881 |
| Loan loss allowance to noncurrent loans | 115.3109% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7146% | 751 |
| Noncurrent loans to loans | 1.0074% | 829 |
| Net loans and leases to total assets | 70.1125% | 1,289 |
| Net loans and leases to deposits | 86.1047% | 963 |
| Net loans and leases to core deposits | 89.8592% | 1,128 |
| Total domestic deposits to total assets | 81.4270% | 4,078 |
| Equity capital to assets | 7.3017% | 3,598 |
| Core capital (leverage) ratio | 9.7901% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3153% | 1,354 |
| Memoranda: | ||
| Average total assets | $1,947,885,333 | 559 |
| Average earning assets | $1,809,483,000 | 557 |
| Average equity | $156,950,000 | 674 |
| Average total loans | $1,305,575,667 | 523 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2222% | 2,620 |
| Cost of funding earning assets | 0.2862% | 1,767 |
| Net interest margin | 2.9360% | 2,721 |
| Noninterest income to average assets | 0.4616% | 2,347 |
| Noninterest expense to average assets | 2.4070% | 2,134 |
| Loan and lease loss provision to assets | 0.1150% | 727 |
| Net operating income to assets | 0.5558% | 3,540 |
| Return on assets (ROA) | 0.5409% | 3,559 |
| Pretax return on assets | 0.6567% | 3,503 |
| Return on Equity (ROE) | 6.4161% | 3,213 |
| Retained earnings to average equity (ytd only) | 6.4161% | 2,102 |
| Net charge-offs to loans | -0.0163% | 3,803 |
| Credit loss provision to net charge-offs | -1,082.6923% | 3,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2908% | 1,602 |
| Assets per employee ($millions) | 8.9072% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 2,964 |
| Loan loss allowance to noncurrent loans | 106.4658% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7960% | 697 |
| Noncurrent loans to loans | 1.1081% | 807 |
| Net loans and leases to total assets | 65.7022% | 1,441 |
| Net loans and leases to deposits | 81.1762% | 1,061 |
| Net loans and leases to core deposits | 85.1018% | 1,180 |
| Total domestic deposits to total assets | 80.9378% | 4,204 |
| Equity capital to assets | 7.9030% | 3,641 |
| Core capital (leverage) ratio | 9.4910% | 2,800 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9831% | 1,259 |
| Memoranda: | ||
| Average total assets | $1,957,638,500 | 558 |
| Average earning assets | $1,823,824,000 | 557 |
| Average equity | $165,022,500 | 657 |
| Average total loans | $1,274,400,500 | 533 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3038% | 3,205 |
| Cost of funding earning assets | 0.4639% | 1,103 |
| Net interest margin | 2.8398% | 3,584 |
| Noninterest income to average assets | 0.4094% | 3,000 |
| Noninterest expense to average assets | 2.4222% | 2,419 |
| Loan and lease loss provision to assets | 0.0163% | 2,749 |
| Net operating income to assets | 0.5321% | 4,016 |
| Return on assets (ROA) | 0.6151% | 3,885 |
| Pretax return on assets | 0.7437% | 3,851 |
| Return on Equity (ROE) | 7.2926% | 3,444 |
| Retained earnings to average equity (ytd only) | 7.2926% | 1,812 |
| Net charge-offs to loans | 0.0108% | 2,158 |
| Credit loss provision to net charge-offs | 225.8741% | 1,231 |
| Earnings coverage of net charge-offs (x) | 91.2587% | 918 |
| Efficiency ratio | 78.5880% | 898 |
| Assets per employee ($millions) | 9.3217% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 3,072 |
| Loan loss allowance to noncurrent loans | 91.2644% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 663 |
| Noncurrent loans to loans | 1.2733% | 753 |
| Net loans and leases to total assets | 62.9074% | 1,838 |
| Net loans and leases to deposits | 78.0898% | 1,393 |
| Net loans and leases to core deposits | 83.7918% | 1,344 |
| Total domestic deposits to total assets | 80.5579% | 4,159 |
| Equity capital to assets | 8.9350% | 3,694 |
| Core capital (leverage) ratio | 9.4148% | 2,956 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5960% | 1,143 |
| Memoranda: | ||
| Average total assets | $1,977,417,600 | 537 |
| Average earning assets | $1,861,092,400 | 532 |
| Average equity | $166,798,400 | 650 |
| Average total loans | $1,324,612,000 | 517 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3567% | 3,227 |
| Cost of funding earning assets | 0.4995% | 1,047 |
| Net interest margin | 2.8573% | 3,639 |
| Noninterest income to average assets | 0.4073% | 3,048 |
| Noninterest expense to average assets | 2.3457% | 2,607 |
| Loan and lease loss provision to assets | -0.0162% | 4,340 |
| Net operating income to assets | 0.6215% | 3,969 |
| Return on assets (ROA) | 0.7305% | 3,756 |
| Pretax return on assets | 0.9044% | 3,683 |
| Return on Equity (ROE) | 8.7905% | 3,170 |
| Retained earnings to average equity (ytd only) | 8.7905% | 1,773 |
| Net charge-offs to loans | 0.0023% | 2,293 |
| Credit loss provision to net charge-offs | -1,043.4783% | 3,862 |
| Earnings coverage of net charge-offs (x) | 486.0000% | 307 |
| Efficiency ratio | 75.6852% | 1,059 |
| Assets per employee ($millions) | 8.8219% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1202% | 3,345 |
| Loan loss allowance to noncurrent loans | 83.9782% | 3,577 |
| Noncurrent assets plus other real estate owned to assets | 0.8861% | 779 |
| Noncurrent loans to loans | 1.3339% | 803 |
| Net loans and leases to total assets | 64.1701% | 1,750 |
| Net loans and leases to deposits | 80.0731% | 1,287 |
| Net loans and leases to core deposits | 87.1149% | 1,213 |
| Total domestic deposits to total assets | 80.1393% | 4,210 |
| Equity capital to assets | 8.5926% | 4,135 |
| Core capital (leverage) ratio | 9.2797% | 3,235 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0213% | 1,132 |
| Memoranda: | ||
| Average total assets | $1,977,724,250 | 540 |
| Average earning assets | $1,863,266,250 | 532 |
| Average equity | $164,355,000 | 663 |
| Average total loans | $1,341,318,250 | 519 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3355% | 3,343 |
| Cost of funding earning assets | 0.5316% | 1,025 |
| Net interest margin | 2.8039% | 3,783 |
| Noninterest income to average assets | 0.4337% | 2,940 |
| Noninterest expense to average assets | 2.2886% | 2,802 |
| Loan and lease loss provision to assets | -0.0431% | 4,500 |
| Net operating income to assets | 0.6734% | 3,824 |
| Return on assets (ROA) | 0.6850% | 3,861 |
| Pretax return on assets | 0.8455% | 3,780 |
| Return on Equity (ROE) | 8.3357% | 3,305 |
| Retained earnings to average equity (ytd only) | 8.3357% | 1,965 |
| Net charge-offs to loans | -0.0031% | 3,295 |
| Credit loss provision to net charge-offs | 2,038.0952% | 286 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3874% | 1,216 |
| Assets per employee ($millions) | 9.1112% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0505% | 3,623 |
| Loan loss allowance to noncurrent loans | 79.9009% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 892 |
| Noncurrent loans to loans | 1.3148% | 895 |
| Net loans and leases to total assets | 65.6235% | 1,739 |
| Net loans and leases to deposits | 81.7926% | 1,249 |
| Net loans and leases to core deposits | 90.9278% | 1,072 |
| Total domestic deposits to total assets | 80.2316% | 4,205 |
| Equity capital to assets | 8.2686% | 4,378 |
| Core capital (leverage) ratio | 8.9687% | 3,496 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6713% | 1,194 |
| Memoranda: | ||
| Average total assets | $1,987,083,333 | 530 |
| Average earning assets | $1,872,951,000 | 520 |
| Average equity | $163,298,000 | 663 |
| Average total loans | $1,366,670,000 | 515 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4363% | 3,100 |
| Cost of funding earning assets | 0.5800% | 964 |
| Net interest margin | 2.8563% | 3,622 |
| Noninterest income to average assets | 0.4835% | 2,681 |
| Noninterest expense to average assets | 2.2101% | 3,076 |
| Loan and lease loss provision to assets | 0.0482% | 2,117 |
| Net operating income to assets | 0.7343% | 3,617 |
| Return on assets (ROA) | 0.7468% | 3,653 |
| Pretax return on assets | 0.9322% | 3,535 |
| Return on Equity (ROE) | 9.1157% | 2,995 |
| Retained earnings to average equity (ytd only) | 9.1157% | 1,913 |
| Net charge-offs to loans | 0.0127% | 1,492 |
| Credit loss provision to net charge-offs | 540.9091% | 574 |
| Earnings coverage of net charge-offs (x) | 108.2045% | 589 |
| Efficiency ratio | 69.6113% | 1,749 |
| Assets per employee ($millions) | 9.1257% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0698% | 3,577 |
| Loan loss allowance to noncurrent loans | 79.9061% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9246% | 916 |
| Noncurrent loans to loans | 1.3388% | 964 |
| Net loans and leases to total assets | 68.3203% | 1,488 |
| Net loans and leases to deposits | 85.8674% | 968 |
| Net loans and leases to core deposits | 96.0620% | 880 |
| Total domestic deposits to total assets | 79.5648% | 4,260 |
| Equity capital to assets | 8.1910% | 4,369 |
| Core capital (leverage) ratio | 8.9623% | 3,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3046% | 1,217 |
| Memoranda: | ||
| Average total assets | $1,973,839,000 | 526 |
| Average earning assets | $1,859,912,000 | 521 |
| Average equity | $161,699,500 | 662 |
| Average total loans | $1,382,302,500 | 509 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6808% | 3,628 |
| Cost of funding earning assets | 0.8709% | 946 |
| Net interest margin | 2.8099% | 4,248 |
| Noninterest income to average assets | 0.4438% | 2,899 |
| Noninterest expense to average assets | 2.3499% | 3,272 |
| Loan and lease loss provision to assets | 0.2301% | 1,690 |
| Net operating income to assets | 0.4264% | 4,193 |
| Return on assets (ROA) | 0.4215% | 4,283 |
| Pretax return on assets | 0.5032% | 4,264 |
| Return on Equity (ROE) | 4.9539% | 3,922 |
| Retained earnings to average equity (ytd only) | 4.9539% | 2,296 |
| Net charge-offs to loans | 0.0425% | 2,209 |
| Credit loss provision to net charge-offs | 702.9508% | 990 |
| Earnings coverage of net charge-offs (x) | 22.5803% | 1,845 |
| Efficiency ratio | 76.0714% | 1,218 |
| Assets per employee ($millions) | 8.8988% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0333% | 3,745 |
| Loan loss allowance to noncurrent loans | 79.7834% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.9201% | 1,067 |
| Noncurrent loans to loans | 1.2952% | 1,054 |
| Net loans and leases to total assets | 70.3038% | 1,518 |
| Net loans and leases to deposits | 89.3003% | 982 |
| Net loans and leases to core deposits | 102.3362% | 797 |
| Total domestic deposits to total assets | 78.7274% | 4,230 |
| Equity capital to assets | 8.1740% | 4,632 |
| Core capital (leverage) ratio | 8.8190% | 3,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8298% | 1,303 |
| Memoranda: | ||
| Average total assets | $1,863,434,200 | 509 |
| Average earning assets | $1,754,277,000 | 501 |
| Average equity | $158,563,000 | 642 |
| Average total loans | $1,434,632,000 | 466 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7457% | 3,692 |
| Cost of funding earning assets | 0.9256% | 978 |
| Net interest margin | 2.8201% | 4,307 |
| Noninterest income to average assets | 0.3874% | 3,144 |
| Noninterest expense to average assets | 2.4045% | 3,119 |
| Loan and lease loss provision to assets | 0.3111% | 1,285 |
| Net operating income to assets | 0.2827% | 4,468 |
| Return on assets (ROA) | 0.2693% | 4,537 |
| Pretax return on assets | 0.3102% | 4,534 |
| Return on Equity (ROE) | 3.1321% | 4,363 |
| Retained earnings to average equity (ytd only) | 3.1321% | 3,459 |
| Net charge-offs to loans | 0.0608% | 1,733 |
| Credit loss provision to net charge-offs | 650.6829% | 1,118 |
| Earnings coverage of net charge-offs (x) | 13.3171% | 2,204 |
| Efficiency ratio | 79.0629% | 934 |
| Assets per employee ($millions) | 8.8121% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 3,794 |
| Loan loss allowance to noncurrent loans | 75.7290% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9935% | 1,127 |
| Noncurrent loans to loans | 1.2902% | 1,148 |
| Net loans and leases to total assets | 76.2538% | 1,062 |
| Net loans and leases to deposits | 100.8630% | 505 |
| Net loans and leases to core deposits | 116.1088% | 497 |
| Total domestic deposits to total assets | 75.6014% | 4,459 |
| Equity capital to assets | 8.4082% | 4,511 |
| Core capital (leverage) ratio | 8.8243% | 3,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3461% | 1,412 |
| Memoranda: | ||
| Average total assets | $1,837,636,500 | 505 |
| Average earning assets | $1,729,286,750 | 497 |
| Average equity | $158,016,000 | 636 |
| Average total loans | $1,444,027,750 | 457 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8522% | 3,733 |
| Cost of funding earning assets | 0.9970% | 994 |
| Net interest margin | 2.8552% | 4,377 |
| Noninterest income to average assets | 0.3688% | 3,266 |
| Noninterest expense to average assets | 2.4049% | 3,254 |
| Loan and lease loss provision to assets | 0.3517% | 1,200 |
| Net operating income to assets | 0.2612% | 4,483 |
| Return on assets (ROA) | 0.2404% | 4,561 |
| Pretax return on assets | 0.2731% | 4,566 |
| Return on Equity (ROE) | 2.7741% | 4,391 |
| Retained earnings to average equity (ytd only) | 2.7741% | 3,470 |
| Net charge-offs to loans | 0.0620% | 1,627 |
| Credit loss provision to net charge-offs | 716.4045% | 989 |
| Earnings coverage of net charge-offs (x) | 13.2067% | 2,005 |
| Efficiency ratio | 78.7642% | 981 |
| Assets per employee ($millions) | 8.7696% | 730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 4,006 |
| Loan loss allowance to noncurrent loans | 118.7110% | 2,979 |
| Noncurrent assets plus other real estate owned to assets | 0.5949% | 2,025 |
| Noncurrent loans to loans | 0.7580% | 1,989 |
| Net loans and leases to total assets | 77.7761% | 880 |
| Net loans and leases to deposits | 104.8552% | 350 |
| Net loans and leases to core deposits | 118.6774% | 462 |
| Total domestic deposits to total assets | 74.1748% | 4,583 |
| Equity capital to assets | 8.3419% | 4,568 |
| Core capital (leverage) ratio | 8.8735% | 4,045 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0296% | 1,478 |
| Memoranda: | ||
| Average total assets | $1,812,773,000 | 505 |
| Average earning assets | $1,704,388,667 | 498 |
| Average equity | $157,093,333 | 636 |
| Average total loans | $1,434,526,000 | 453 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0009% | 3,785 |
| Cost of funding earning assets | 1.1083% | 1,021 |
| Net interest margin | 2.8926% | 4,440 |
| Noninterest income to average assets | 0.4775% | 2,664 |
| Noninterest expense to average assets | 2.5190% | 3,222 |
| Loan and lease loss provision to assets | 0.2997% | 1,034 |
| Net operating income to assets | 0.3262% | 4,293 |
| Return on assets (ROA) | 0.2575% | 4,458 |
| Pretax return on assets | 0.2951% | 4,462 |
| Return on Equity (ROE) | 2.9121% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.9121% | 3,120 |
| Net charge-offs to loans | 0.0973% | 1,100 |
| Credit loss provision to net charge-offs | 387.3900% | 1,030 |
| Earnings coverage of net charge-offs (x) | 8.7097% | 1,856 |
| Efficiency ratio | 78.8973% | 1,246 |
| Assets per employee ($millions) | 7.9071% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 4,316 |
| Loan loss allowance to noncurrent loans | 112.1001% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.5912% | 2,224 |
| Noncurrent loans to loans | 0.7448% | 2,141 |
| Net loans and leases to total assets | 78.7089% | 880 |
| Net loans and leases to deposits | 112.6088% | 153 |
| Net loans and leases to core deposits | 129.7299% | 272 |
| Total domestic deposits to total assets | 69.8959% | 4,858 |
| Equity capital to assets | 8.9377% | 4,633 |
| Core capital (leverage) ratio | 9.3800% | 4,107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3872% | 1,787 |
| Memoranda: | ||
| Average total assets | $1,763,270,500 | 505 |
| Average earning assets | $1,655,111,000 | 493 |
| Average equity | $155,900,500 | 640 |
| Average total loans | $1,401,585,500 | 452 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1331% | 3,965 |
| Cost of funding earning assets | 1.1913% | 1,040 |
| Net interest margin | 2.9418% | 4,599 |
| Noninterest income to average assets | 0.4716% | 2,892 |
| Noninterest expense to average assets | 2.5905% | 3,204 |
| Loan and lease loss provision to assets | 0.0586% | 2,864 |
| Net operating income to assets | 0.4943% | 4,416 |
| Return on assets (ROA) | 0.5040% | 4,448 |
| Pretax return on assets | 0.5976% | 4,417 |
| Return on Equity (ROE) | 5.7773% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.7773% | 1,987 |
| Net charge-offs to loans | 0.0199% | 3,023 |
| Credit loss provision to net charge-offs | 375.9398% | 741 |
| Earnings coverage of net charge-offs (x) | 41.3684% | 1,290 |
| Efficiency ratio | 80.0724% | 940 |
| Assets per employee ($millions) | 7.6992% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7699% | 4,394 |
| Loan loss allowance to noncurrent loans | 96.5796% | 3,340 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 1,997 |
| Noncurrent loans to loans | 0.7972% | 1,913 |
| Net loans and leases to total assets | 78.9896% | 934 |
| Net loans and leases to deposits | 118.3316% | 89 |
| Net loans and leases to core deposits | 135.9842% | 213 |
| Total domestic deposits to total assets | 66.7527% | 5,018 |
| Equity capital to assets | 8.7476% | 4,805 |
| Core capital (leverage) ratio | 9.4593% | 4,101 |
| Tier 1 risk-based capital ratio | 14.3401% | 3,096 |
| Total risk-based capital ratio | 15.2771% | 3,169 |
| Memoranda: | ||
| Average total assets | $1,706,877,200 | 498 |
| Average earning assets | $1,603,429,800 | 486 |
| Average equity | $148,891,800 | 627 |
| Average total loans | $1,339,103,000 | 449 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1505% | 4,038 |
| Cost of funding earning assets | 1.2004% | 1,040 |
| Net interest margin | 2.9501% | 4,695 |
| Noninterest income to average assets | 0.4321% | 3,129 |
| Noninterest expense to average assets | 2.5872% | 3,201 |
| Loan and lease loss provision to assets | 0.0590% | 2,715 |
| Net operating income to assets | 0.4628% | 4,598 |
| Return on assets (ROA) | 0.4774% | 4,613 |
| Pretax return on assets | 0.5756% | 4,588 |
| Return on Equity (ROE) | 5.4767% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.4767% | 2,636 |
| Net charge-offs to loans | 0.0206% | 2,699 |
| Credit loss provision to net charge-offs | 365.8537% | 824 |
| Earnings coverage of net charge-offs (x) | 38.2629% | 1,412 |
| Efficiency ratio | 80.7410% | 861 |
| Assets per employee ($millions) | 7.5540% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7757% | 4,474 |
| Loan loss allowance to noncurrent loans | 108.7010% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5670% | 2,306 |
| Noncurrent loans to loans | 0.7136% | 2,179 |
| Net loans and leases to total assets | 78.8444% | 1,013 |
| Net loans and leases to deposits | 113.8313% | 141 |
| Net loans and leases to core deposits | 133.5232% | 259 |
| Total domestic deposits to total assets | 69.2643% | 5,020 |
| Equity capital to assets | 8.9691% | 4,798 |
| Core capital (leverage) ratio | 9.4735% | 4,193 |
| Tier 1 risk-based capital ratio | 14.5895% | 3,029 |
| Total risk-based capital ratio | 15.5408% | 3,085 |
| Memoranda: | ||
| Average total assets | $1,694,743,000 | 502 |
| Average earning assets | $1,592,527,250 | 488 |
| Average equity | $147,725,750 | 631 |
| Average total loans | $1,324,540,750 | 453 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 4,027 |
| Cost of funding earning assets | 1.1819% | 1,040 |
| Net interest margin | 2.9766% | 4,723 |
| Noninterest income to average assets | 0.4297% | 3,072 |
| Noninterest expense to average assets | 2.6156% | 3,163 |
| Loan and lease loss provision to assets | 0.0592% | 2,638 |
| Net operating income to assets | 0.4558% | 4,626 |
| Return on assets (ROA) | 0.4708% | 4,624 |
| Pretax return on assets | 0.5674% | 4,599 |
| Return on Equity (ROE) | 5.4550% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.4550% | 2,540 |
| Net charge-offs to loans | 0.0099% | 2,774 |
| Credit loss provision to net charge-offs | 769.2308% | 432 |
| Earnings coverage of net charge-offs (x) | 79.0154% | 825 |
| Efficiency ratio | 81.1267% | 875 |
| Assets per employee ($millions) | 7.1090% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,467 |
| Loan loss allowance to noncurrent loans | 105.2531% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.6120% | 2,195 |
| Noncurrent loans to loans | 0.7518% | 2,104 |
| Net loans and leases to total assets | 77.5027% | 1,311 |
| Net loans and leases to deposits | 109.8129% | 226 |
| Net loans and leases to core deposits | 129.2733% | 335 |
| Total domestic deposits to total assets | 70.5771% | 5,025 |
| Equity capital to assets | 8.9096% | 4,848 |
| Core capital (leverage) ratio | 9.3826% | 4,271 |
| Tier 1 risk-based capital ratio | 14.6444% | 3,001 |
| Total risk-based capital ratio | 15.6017% | 3,060 |
| Memoranda: | ||
| Average total assets | $1,688,075,000 | 501 |
| Average earning assets | $1,584,787,670 | 485 |
| Average equity | $145,702,000 | 637 |
| Average total loans | $1,311,870,670 | 457 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 4,009 |
| Cost of funding earning assets | 1.1470% | 1,055 |
| Net interest margin | 3.0015% | 4,746 |
| Noninterest income to average assets | 0.4436% | 2,884 |
| Noninterest expense to average assets | 2.5516% | 3,366 |
| Loan and lease loss provision to assets | 0.0593% | 2,467 |
| Net operating income to assets | 0.5343% | 4,428 |
| Return on assets (ROA) | 0.5646% | 4,380 |
| Pretax return on assets | 0.6849% | 4,333 |
| Return on Equity (ROE) | 6.6490% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.6490% | 2,180 |
| Net charge-offs to loans | 0.0306% | 1,840 |
| Credit loss provision to net charge-offs | 250.0000% | 918 |
| Earnings coverage of net charge-offs (x) | 29.8100% | 1,337 |
| Efficiency ratio | 78.2995% | 1,234 |
| Assets per employee ($millions) | 7.4773% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7724% | 4,598 |
| Loan loss allowance to noncurrent loans | 105.1902% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5945% | 2,290 |
| Noncurrent loans to loans | 0.7343% | 2,191 |
| Net loans and leases to total assets | 77.0008% | 1,317 |
| Net loans and leases to deposits | 113.1082% | 159 |
| Net loans and leases to core deposits | 133.1481% | 270 |
| Total domestic deposits to total assets | 68.0772% | 5,173 |
| Equity capital to assets | 8.5959% | 4,927 |
| Core capital (leverage) ratio | 9.3888% | 4,271 |
| Tier 1 risk-based capital ratio | 14.5277% | 3,090 |
| Total risk-based capital ratio | 15.4608% | 3,163 |
| Memoranda: | ||
| Average total assets | $1,686,138,500 | 503 |
| Average earning assets | $1,581,469,500 | 486 |
| Average equity | $143,180,000 | 643 |
| Average total loans | $1,306,923,500 | 460 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0306% | 3,943 |
| Cost of funding earning assets | 0.9434% | 953 |
| Net interest margin | 3.0872% | 4,672 |
| Noninterest income to average assets | 0.5250% | 2,687 |
| Noninterest expense to average assets | 2.8050% | 2,673 |
| Loan and lease loss provision to assets | 0.0612% | 2,933 |
| Net operating income to assets | 0.4533% | 4,761 |
| Return on assets (ROA) | 0.5419% | 4,562 |
| Pretax return on assets | 0.6573% | 4,522 |
| Return on Equity (ROE) | 6.4892% | 4,008 |
| Retained earnings to average equity (ytd only) | 6.4892% | 1,931 |
| Net charge-offs to loans | 0.0204% | 3,022 |
| Credit loss provision to net charge-offs | 392.1569% | 836 |
| Earnings coverage of net charge-offs (x) | 39.0902% | 1,339 |
| Efficiency ratio | 82.1250% | 793 |
| Assets per employee ($millions) | 7.2825% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7730% | 4,620 |
| Loan loss allowance to noncurrent loans | 112.4902% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 2,341 |
| Noncurrent loans to loans | 0.6872% | 2,270 |
| Net loans and leases to total assets | 76.8172% | 1,467 |
| Net loans and leases to deposits | 108.1258% | 301 |
| Net loans and leases to core deposits | 128.6643% | 345 |
| Total domestic deposits to total assets | 71.0443% | 5,118 |
| Equity capital to assets | 8.3895% | 4,995 |
| Core capital (leverage) ratio | 9.2601% | 4,389 |
| Tier 1 risk-based capital ratio | 14.6224% | 3,008 |
| Total risk-based capital ratio | 15.5616% | 3,076 |
| Memoranda: | ||
| Average total assets | $1,632,682,200 | 500 |
| Average earning assets | $1,528,681,800 | 488 |
| Average equity | $136,334,600 | 635 |
| Average total loans | $1,253,020,400 | 463 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9849% | 3,969 |
| Cost of funding earning assets | 0.8899% | 962 |
| Net interest margin | 3.0950% | 4,715 |
| Noninterest income to average assets | 0.5460% | 2,582 |
| Noninterest expense to average assets | 2.8100% | 2,604 |
| Loan and lease loss provision to assets | 0.0514% | 2,960 |
| Net operating income to assets | 0.4774% | 4,806 |
| Return on assets (ROA) | 0.5963% | 4,522 |
| Pretax return on assets | 0.7278% | 4,473 |
| Return on Equity (ROE) | 7.1500% | 3,877 |
| Retained earnings to average equity (ytd only) | 7.1500% | 2,048 |
| Net charge-offs to loans | 0.0243% | 2,647 |
| Credit loss provision to net charge-offs | 276.5487% | 1,090 |
| Earnings coverage of net charge-offs (x) | 34.1411% | 1,495 |
| Efficiency ratio | 81.5860% | 807 |
| Assets per employee ($millions) | 7.3126% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7539% | 4,746 |
| Loan loss allowance to noncurrent loans | 140.5664% | 2,875 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 2,842 |
| Noncurrent loans to loans | 0.5364% | 2,777 |
| Net loans and leases to total assets | 76.0775% | 1,649 |
| Net loans and leases to deposits | 109.5487% | 305 |
| Net loans and leases to core deposits | 129.6281% | 341 |
| Total domestic deposits to total assets | 69.4463% | 5,241 |
| Equity capital to assets | 8.1085% | 5,133 |
| Core capital (leverage) ratio | 9.2235% | 4,491 |
| Tier 1 risk-based capital ratio | 14.5716% | 3,083 |
| Total risk-based capital ratio | 15.4838% | 3,168 |
| Memoranda: | ||
| Average total assets | $1,622,107,500 | 500 |
| Average earning assets | $1,518,980,000 | 488 |
| Average equity | $135,287,750 | 633 |
| Average total loans | $1,242,101,250 | 462 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 3,941 |
| Cost of funding earning assets | 0.8266% | 1,016 |
| Net interest margin | 3.1188% | 4,694 |
| Noninterest income to average assets | 0.5940% | 2,351 |
| Noninterest expense to average assets | 2.8179% | 2,609 |
| Loan and lease loss provision to assets | 0.0312% | 3,286 |
| Net operating income to assets | 0.5408% | 4,648 |
| Return on assets (ROA) | 0.7189% | 4,147 |
| Pretax return on assets | 0.8842% | 4,009 |
| Return on Equity (ROE) | 8.5374% | 3,241 |
| Retained earnings to average equity (ytd only) | 8.5374% | 1,389 |
| Net charge-offs to loans | 0.0003% | 3,202 |
| Credit loss provision to net charge-offs | 12,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 2,790.0000% | 20 |
| Efficiency ratio | 80.2043% | 997 |
| Assets per employee ($millions) | 6.9465% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7596% | 4,808 |
| Loan loss allowance to noncurrent loans | 96.5346% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 2,362 |
| Noncurrent loans to loans | 0.7868% | 2,154 |
| Net loans and leases to total assets | 75.6090% | 1,697 |
| Net loans and leases to deposits | 113.7581% | 201 |
| Net loans and leases to core deposits | 130.1586% | 332 |
| Total domestic deposits to total assets | 66.4647% | 5,377 |
| Equity capital to assets | 8.2553% | 5,100 |
| Core capital (leverage) ratio | 9.4629% | 4,154 |
| Tier 1 risk-based capital ratio | 14.6219% | 3,057 |
| Total risk-based capital ratio | 15.5317% | 3,138 |
| Memoranda: | ||
| Average total assets | $1,604,611,330 | 506 |
| Average earning assets | $1,501,978,670 | 491 |
| Average equity | $135,122,330 | 632 |
| Average total loans | $1,228,245,330 | 469 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9588% | 3,761 |
| Cost of funding earning assets | 0.8106% | 909 |
| Net interest margin | 3.1481% | 4,602 |
| Noninterest income to average assets | 0.6334% | 2,113 |
| Noninterest expense to average assets | 2.7777% | 2,778 |
| Loan and lease loss provision to assets | 0.0316% | 3,093 |
| Net operating income to assets | 0.6213% | 4,367 |
| Return on assets (ROA) | 0.9777% | 2,976 |
| Pretax return on assets | 1.2161% | 2,693 |
| Return on Equity (ROE) | 11.4927% | 1,773 |
| Retained earnings to average equity (ytd only) | 11.4927% | 791 |
| Net charge-offs to loans | -0.0201% | 4,564 |
| Credit loss provision to net charge-offs | -204.9180% | 3,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5928% | 1,394 |
| Assets per employee ($millions) | 7.0133% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7754% | 4,852 |
| Loan loss allowance to noncurrent loans | 102.5016% | 3,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6080% | 2,484 |
| Noncurrent loans to loans | 0.7565% | 2,310 |
| Net loans and leases to total assets | 76.4179% | 1,477 |
| Net loans and leases to deposits | 117.7821% | 137 |
| Net loans and leases to core deposits | 134.0982% | 284 |
| Total domestic deposits to total assets | 64.8808% | 5,477 |
| Equity capital to assets | 8.5191% | 4,963 |
| Core capital (leverage) ratio | 9.4430% | 4,135 |
| Tier 1 risk-based capital ratio | 14.7291% | 3,015 |
| Total risk-based capital ratio | 15.6510% | 3,084 |
| Memoranda: | ||
| Average total assets | $1,583,761,500 | 521 |
| Average earning assets | $1,482,268,500 | 505 |
| Average equity | $134,729,500 | 634 |
| Average total loans | $1,215,225,000 | 473 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8069% | 4,034 |
| Cost of funding earning assets | 0.6959% | 1,049 |
| Net interest margin | 3.1110% | 4,668 |
| Noninterest income to average assets | 0.4723% | 3,173 |
| Noninterest expense to average assets | 2.7258% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.1397% | 5,209 |
| Return on assets (ROA) | 0.1412% | 5,214 |
| Pretax return on assets | 0.6528% | 4,622 |
| Return on Equity (ROE) | 1.6110% | 5,134 |
| Retained earnings to average equity (ytd only) | 1.6110% | 4,340 |
| Net charge-offs to loans | 0.0349% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 24.6978% | 1,746 |
| Efficiency ratio | 80.7359% | 1,038 |
| Assets per employee ($millions) | 7.2199% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 4,915 |
| Loan loss allowance to noncurrent loans | 95.6105% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 1,403 |
| Noncurrent loans to loans | 0.8022% | 2,208 |
| Net loans and leases to total assets | 75.9236% | 1,614 |
| Net loans and leases to deposits | 111.5870% | 230 |
| Net loans and leases to core deposits | 129.3447% | 355 |
| Total domestic deposits to total assets | 68.0398% | 5,473 |
| Equity capital to assets | 8.5461% | 5,089 |
| Core capital (leverage) ratio | 9.4306% | 4,121 |
| Tier 1 risk-based capital ratio | 13.9726% | 3,378 |
| Total risk-based capital ratio | 14.8535% | 3,490 |
| Memoranda: | ||
| Average total assets | $1,545,544,400 | 504 |
| Average earning assets | $1,442,638,000 | 492 |
| Average equity | $135,503,600 | 608 |
| Average total loans | $1,167,574,800 | 469 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8067% | 3,988 |
| Cost of funding earning assets | 0.6806% | 1,070 |
| Net interest margin | 3.1261% | 4,633 |
| Noninterest income to average assets | 0.4600% | 3,274 |
| Noninterest expense to average assets | 2.7366% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4384% | 4,903 |
| Return on assets (ROA) | 0.4413% | 4,928 |
| Pretax return on assets | 0.6415% | 4,755 |
| Return on Equity (ROE) | 5.0009% | 4,531 |
| Retained earnings to average equity (ytd only) | 5.0009% | 2,886 |
| Net charge-offs to loans | 0.0402% | 2,633 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 21.0459% | 1,929 |
| Efficiency ratio | 81.1110% | 988 |
| Assets per employee ($millions) | 7.0078% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7998% | 4,894 |
| Loan loss allowance to noncurrent loans | 84.7047% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1901% | 1,384 |
| Noncurrent loans to loans | 0.9442% | 2,029 |
| Net loans and leases to total assets | 75.1139% | 1,741 |
| Net loans and leases to deposits | 111.0194% | 252 |
| Net loans and leases to core deposits | 129.3918% | 352 |
| Total domestic deposits to total assets | 67.6583% | 5,547 |
| Equity capital to assets | 9.0201% | 4,896 |
| Core capital (leverage) ratio | 9.6728% | 3,963 |
| Tier 1 risk-based capital ratio | 14.3555% | 3,262 |
| Total risk-based capital ratio | 15.2650% | 3,350 |
| Memoranda: | ||
| Average total assets | $1,536,638,500 | 511 |
| Average earning assets | $1,432,383,250 | 499 |
| Average equity | $135,597,500 | 607 |
| Average total loans | $1,157,029,000 | 474 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7981% | 3,903 |
| Cost of funding earning assets | 0.6694% | 1,044 |
| Net interest margin | 3.1287% | 4,608 |
| Noninterest income to average assets | 0.4534% | 3,332 |
| Noninterest expense to average assets | 2.7813% | 2,822 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4083% | 4,962 |
| Return on assets (ROA) | 0.4099% | 4,985 |
| Pretax return on assets | 0.5899% | 4,827 |
| Return on Equity (ROE) | 4.6801% | 4,608 |
| Retained earnings to average equity (ytd only) | 4.6801% | 2,928 |
| Net charge-offs to loans | 0.0170% | 2,910 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 46.0102% | 1,142 |
| Efficiency ratio | 82.5604% | 951 |
| Assets per employee ($millions) | 6.8124% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8318% | 4,868 |
| Loan loss allowance to noncurrent loans | 86.6751% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1654% | 1,466 |
| Noncurrent loans to loans | 0.9597% | 2,044 |
| Net loans and leases to total assets | 74.5771% | 1,768 |
| Net loans and leases to deposits | 108.0112% | 316 |
| Net loans and leases to core deposits | 125.5284% | 405 |
| Total domestic deposits to total assets | 69.0457% | 5,568 |
| Equity capital to assets | 8.9327% | 4,959 |
| Core capital (leverage) ratio | 9.4950% | 4,138 |
| Tier 1 risk-based capital ratio | 14.2926% | 3,268 |
| Total risk-based capital ratio | 15.2332% | 3,351 |
| Memoranda: | ||
| Average total assets | $1,534,944,670 | 515 |
| Average earning assets | $1,430,299,330 | 501 |
| Average equity | $134,441,670 | 611 |
| Average total loans | $1,153,577,670 | 477 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 3,785 |
| Cost of funding earning assets | 0.6537% | 1,060 |
| Net interest margin | 3.1399% | 4,529 |
| Noninterest income to average assets | 0.4680% | 3,202 |
| Noninterest expense to average assets | 2.7351% | 3,015 |
| Loan and lease loss provision to assets | 0.0195% | 3,321 |
| Net operating income to assets | 0.4362% | 4,834 |
| Return on assets (ROA) | 0.4362% | 4,855 |
| Pretax return on assets | 0.6391% | 4,630 |
| Return on Equity (ROE) | 5.0299% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.0299% | 2,875 |
| Net charge-offs to loans | -0.0076% | 4,317 |
| Credit loss provision to net charge-offs | -340.9091% | 4,160 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5939% | 1,305 |
| Assets per employee ($millions) | 7.2269% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8430% | 4,948 |
| Loan loss allowance to noncurrent loans | 81.6066% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.2044% | 1,461 |
| Noncurrent loans to loans | 1.0330% | 1,992 |
| Net loans and leases to total assets | 74.0588% | 1,723 |
| Net loans and leases to deposits | 109.1262% | 235 |
| Net loans and leases to core deposits | 123.4430% | 374 |
| Total domestic deposits to total assets | 67.8653% | 5,679 |
| Equity capital to assets | 8.6638% | 5,100 |
| Core capital (leverage) ratio | 9.5375% | 4,073 |
| Tier 1 risk-based capital ratio | 13.9927% | 3,488 |
| Total risk-based capital ratio | 14.9403% | 3,570 |
| Memoranda: | ||
| Average total assets | $1,536,026,500 | 513 |
| Average earning assets | $1,431,276,500 | 503 |
| Average equity | $133,203,500 | 615 |
| Average total loans | $1,154,021,000 | 474 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,004 |
| Cost of funding earning assets | 0.6359% | 1,132 |
| Net interest margin | 3.1301% | 4,643 |
| Noninterest income to average assets | 0.5135% | 3,144 |
| Noninterest expense to average assets | 2.8380% | 2,886 |
| Loan and lease loss provision to assets | 0.1112% | 2,207 |
| Net operating income to assets | 0.3322% | 5,137 |
| Return on assets (ROA) | 0.3330% | 5,210 |
| Pretax return on assets | 0.4784% | 5,071 |
| Return on Equity (ROE) | 3.8373% | 4,891 |
| Retained earnings to average equity (ytd only) | 3.8373% | 3,191 |
| Net charge-offs to loans | 0.1493% | 1,770 |
| Credit loss provision to net charge-offs | 101.7199% | 2,528 |
| Earnings coverage of net charge-offs (x) | 5.3827% | 3,350 |
| Efficiency ratio | 82.8264% | 1,109 |
| Assets per employee ($millions) | 6.8674% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8441% | 4,973 |
| Loan loss allowance to noncurrent loans | 76.3940% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1966% | 1,510 |
| Noncurrent loans to loans | 1.1049% | 1,876 |
| Net loans and leases to total assets | 74.9732% | 1,697 |
| Net loans and leases to deposits | 112.1880% | 184 |
| Net loans and leases to core deposits | 130.3974% | 281 |
| Total domestic deposits to total assets | 66.8281% | 5,742 |
| Equity capital to assets | 8.5342% | 5,246 |
| Core capital (leverage) ratio | 9.4228% | 4,195 |
| Tier 1 risk-based capital ratio | 13.8791% | 3,534 |
| Total risk-based capital ratio | 14.8210% | 3,630 |
| Memoranda: | ||
| Average total assets | $1,489,176,000 | 512 |
| Average earning assets | $1,385,856,600 | 500 |
| Average equity | $129,230,000 | 621 |
| Average total loans | $1,090,431,600 | 474 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7538% | 4,070 |
| Cost of funding earning assets | 0.6384% | 1,100 |
| Net interest margin | 3.1154% | 4,735 |
| Noninterest income to average assets | 0.4354% | 3,658 |
| Noninterest expense to average assets | 2.7862% | 3,056 |
| Loan and lease loss provision to assets | 0.2592% | 709 |
| Net operating income to assets | 0.2078% | 5,451 |
| Return on assets (ROA) | 0.2089% | 5,513 |
| Pretax return on assets | 0.2900% | 5,468 |
| Return on Equity (ROE) | 2.3970% | 5,381 |
| Retained earnings to average equity (ytd only) | 2.3970% | 4,478 |
| Net charge-offs to loans | 0.3861% | 569 |
| Credit loss provision to net charge-offs | 92.4583% | 2,495 |
| Earnings coverage of net charge-offs (x) | 1.9535% | 3,638 |
| Efficiency ratio | 83.5740% | 1,021 |
| Assets per employee ($millions) | 6.9694% | 900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8388% | 5,078 |
| Loan loss allowance to noncurrent loans | 80.9258% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 1.2985% | 1,481 |
| Noncurrent loans to loans | 1.0365% | 2,169 |
| Net loans and leases to total assets | 73.3170% | 1,980 |
| Net loans and leases to deposits | 112.3435% | 218 |
| Net loans and leases to core deposits | 131.4181% | 278 |
| Total domestic deposits to total assets | 65.2614% | 5,833 |
| Equity capital to assets | 8.6425% | 5,437 |
| Core capital (leverage) ratio | 9.3829% | 4,349 |
| Tier 1 risk-based capital ratio | 13.7703% | 3,686 |
| Total risk-based capital ratio | 14.7016% | 3,800 |
| Memoranda: | ||
| Average total assets | $1,482,045,500 | 515 |
| Average earning assets | $1,378,798,500 | 505 |
| Average equity | $129,156,750 | 618 |
| Average total loans | $1,076,151,500 | 478 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7550% | 4,110 |
| Cost of funding earning assets | 0.6389% | 1,095 |
| Net interest margin | 3.1161% | 4,786 |
| Noninterest income to average assets | 0.3948% | 3,909 |
| Noninterest expense to average assets | 2.8293% | 2,924 |
| Loan and lease loss provision to assets | 0.3274% | 513 |
| Net operating income to assets | 0.1080% | 5,657 |
| Return on assets (ROA) | 0.1087% | 5,706 |
| Pretax return on assets | 0.1377% | 5,682 |
| Return on Equity (ROE) | 1.2442% | 5,647 |
| Retained earnings to average equity (ytd only) | 1.2442% | 4,884 |
| Net charge-offs to loans | 0.5696% | 366 |
| Credit loss provision to net charge-offs | 79.6689% | 2,369 |
| Earnings coverage of net charge-offs (x) | 1.1295% | 3,450 |
| Efficiency ratio | 85.9055% | 894 |
| Assets per employee ($millions) | 6.8085% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 5,165 |
| Loan loss allowance to noncurrent loans | 74.5958% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 1,415 |
| Noncurrent loans to loans | 1.1248% | 2,048 |
| Net loans and leases to total assets | 71.3560% | 2,274 |
| Net loans and leases to deposits | 106.0371% | 363 |
| Net loans and leases to core deposits | 124.0426% | 407 |
| Total domestic deposits to total assets | 67.2934% | 5,856 |
| Equity capital to assets | 8.7196% | 5,469 |
| Core capital (leverage) ratio | 9.4018% | 4,335 |
| Tier 1 risk-based capital ratio | 14.3082% | 3,428 |
| Total risk-based capital ratio | 15.2499% | 3,522 |
| Memoranda: | ||
| Average total assets | $1,469,619,670 | 517 |
| Average earning assets | $1,367,077,330 | 508 |
| Average equity | $128,439,670 | 625 |
| Average total loans | $1,060,420,330 | 481 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7365% | 4,183 |
| Cost of funding earning assets | 0.6484% | 1,063 |
| Net interest margin | 3.0880% | 4,897 |
| Noninterest income to average assets | 0.3760% | 4,025 |
| Noninterest expense to average assets | 2.8870% | 2,744 |
| Loan and lease loss provision to assets | 0.1855% | 1,070 |
| Net operating income to assets | 0.1323% | 5,634 |
| Return on assets (ROA) | 0.1333% | 5,684 |
| Pretax return on assets | 0.1775% | 5,663 |
| Return on Equity (ROE) | 1.5233% | 5,613 |
| Retained earnings to average equity (ytd only) | 1.5233% | 4,662 |
| Net charge-offs to loans | 0.4324% | 524 |
| Credit loss provision to net charge-offs | 59.3668% | 1,987 |
| Earnings coverage of net charge-offs (x) | 1.1574% | 2,859 |
| Efficiency ratio | 88.8673% | 756 |
| Assets per employee ($millions) | 6.8751% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 5,154 |
| Loan loss allowance to noncurrent loans | 64.7287% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 1.6197% | 1,222 |
| Noncurrent loans to loans | 1.3428% | 1,773 |
| Net loans and leases to total assets | 70.9531% | 2,201 |
| Net loans and leases to deposits | 103.1409% | 454 |
| Net loans and leases to core deposits | 119.6144% | 476 |
| Total domestic deposits to total assets | 68.7924% | 5,901 |
| Equity capital to assets | 8.7665% | 5,369 |
| Core capital (leverage) ratio | 9.5246% | 4,146 |
| Tier 1 risk-based capital ratio | 14.1907% | 3,570 |
| Total risk-based capital ratio | 15.1329% | 3,700 |
| Memoranda: | ||
| Average total assets | $1,455,499,500 | 519 |
| Average earning assets | $1,353,998,000 | 510 |
| Average equity | $127,356,000 | 629 |
| Average total loans | $1,051,702,000 | 482 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,096 |
| Cost of funding earning assets | 0.6251% | 1,206 |
| Net interest margin | 3.1580% | 4,759 |
| Noninterest income to average assets | 0.5175% | 3,214 |
| Noninterest expense to average assets | 2.8682% | 2,973 |
| Loan and lease loss provision to assets | 0.0838% | 2,616 |
| Net operating income to assets | 0.3439% | 5,230 |
| Return on assets (ROA) | 0.3544% | 5,286 |
| Pretax return on assets | 0.5216% | 5,061 |
| Return on Equity (ROE) | 4.1471% | 4,876 |
| Retained earnings to average equity (ytd only) | 4.1471% | 3,047 |
| Net charge-offs to loans | 0.1017% | 2,396 |
| Credit loss provision to net charge-offs | 116.1665% | 2,204 |
| Earnings coverage of net charge-offs (x) | 8.1762% | 2,990 |
| Efficiency ratio | 82.9425% | 1,279 |
| Assets per employee ($millions) | 6.6674% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 4,996 |
| Loan loss allowance to noncurrent loans | 51.8996% | 4,832 |
| Noncurrent assets plus other real estate owned to assets | 1.7125% | 1,134 |
| Noncurrent loans to loans | 1.7800% | 1,245 |
| Net loans and leases to total assets | 72.2545% | 2,005 |
| Net loans and leases to deposits | 102.8962% | 494 |
| Net loans and leases to core deposits | 118.8145% | 513 |
| Total domestic deposits to total assets | 70.2208% | 5,885 |
| Equity capital to assets | 8.6168% | 5,453 |
| Core capital (leverage) ratio | 9.5983% | 4,047 |
| Tier 1 risk-based capital ratio | 14.7139% | 3,324 |
| Total risk-based capital ratio | 15.7448% | 3,361 |
| Memoranda: | ||
| Average total assets | $1,431,877,400 | 498 |
| Average earning assets | $1,333,294,200 | 489 |
| Average equity | $122,374,600 | 623 |
| Average total loans | $1,015,313,000 | 476 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 4,177 |
| Cost of funding earning assets | 0.6259% | 1,238 |
| Net interest margin | 3.1470% | 4,826 |
| Noninterest income to average assets | 0.5181% | 3,242 |
| Noninterest expense to average assets | 2.8000% | 3,186 |
| Loan and lease loss provision to assets | 0.0186% | 3,901 |
| Net operating income to assets | 0.4291% | 5,054 |
| Return on assets (ROA) | 0.4432% | 5,085 |
| Pretax return on assets | 0.6513% | 4,825 |
| Return on Equity (ROE) | 5.1961% | 4,534 |
| Retained earnings to average equity (ytd only) | 5.1961% | 2,781 |
| Net charge-offs to loans | 0.1409% | 1,711 |
| Credit loss provision to net charge-offs | 18.7793% | 3,374 |
| Earnings coverage of net charge-offs (x) | 6.5456% | 3,035 |
| Efficiency ratio | 81.1762% | 1,502 |
| Assets per employee ($millions) | 6.6080% | 1,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8381% | 5,417 |
| Loan loss allowance to noncurrent loans | 52.1334% | 4,893 |
| Noncurrent assets plus other real estate owned to assets | 1.5835% | 1,413 |
| Noncurrent loans to loans | 1.6076% | 1,537 |
| Net loans and leases to total assets | 71.1765% | 2,201 |
| Net loans and leases to deposits | 101.8814% | 551 |
| Net loans and leases to core deposits | 120.2260% | 463 |
| Total domestic deposits to total assets | 69.8621% | 5,979 |
| Equity capital to assets | 8.7406% | 5,546 |
| Core capital (leverage) ratio | 9.5979% | 4,167 |
| Tier 1 risk-based capital ratio | 14.7898% | 3,392 |
| Total risk-based capital ratio | 15.7175% | 3,503 |
| Memoranda: | ||
| Average total assets | $1,431,473,000 | 501 |
| Average earning assets | $1,333,337,250 | 487 |
| Average equity | $122,088,000 | 631 |
| Average total loans | $1,007,785,750 | 480 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7412% | 4,272 |
| Cost of funding earning assets | 0.6269% | 1,249 |
| Net interest margin | 3.1143% | 4,934 |
| Noninterest income to average assets | 0.4775% | 3,516 |
| Noninterest expense to average assets | 2.7601% | 3,379 |
| Loan and lease loss provision to assets | 0.0280% | 3,568 |
| Net operating income to assets | 0.4040% | 5,122 |
| Return on assets (ROA) | 0.4153% | 5,195 |
| Pretax return on assets | 0.6090% | 4,952 |
| Return on Equity (ROE) | 4.9105% | 4,660 |
| Retained earnings to average equity (ytd only) | 4.9105% | 2,914 |
| Net charge-offs to loans | 0.1803% | 1,377 |
| Credit loss provision to net charge-offs | 22.1729% | 2,998 |
| Earnings coverage of net charge-offs (x) | 4.9191% | 2,980 |
| Efficiency ratio | 81.6509% | 1,535 |
| Assets per employee ($millions) | 6.5054% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 5,428 |
| Loan loss allowance to noncurrent loans | 49.5211% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7047% | 1,391 |
| Noncurrent loans to loans | 1.7415% | 1,476 |
| Net loans and leases to total assets | 70.2736% | 2,277 |
| Net loans and leases to deposits | 99.0946% | 714 |
| Net loans and leases to core deposits | 115.4950% | 609 |
| Total domestic deposits to total assets | 70.9156% | 5,991 |
| Equity capital to assets | 8.4727% | 5,709 |
| Core capital (leverage) ratio | 9.5429% | 4,221 |
| Tier 1 risk-based capital ratio | 14.6360% | 3,559 |
| Total risk-based capital ratio | 15.5837% | 3,656 |
| Memoranda: | ||
| Average total assets | $1,430,650,000 | 503 |
| Average earning assets | $1,333,524,330 | 486 |
| Average equity | $121,005,670 | 640 |
| Average total loans | $1,000,629,000 | 480 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7391% | 4,233 |
| Cost of funding earning assets | 0.6301% | 1,229 |
| Net interest margin | 3.1089% | 4,925 |
| Noninterest income to average assets | 0.4342% | 3,739 |
| Noninterest expense to average assets | 2.7274% | 3,496 |
| Loan and lease loss provision to assets | 0.0561% | 2,813 |
| Net operating income to assets | 0.3750% | 5,165 |
| Return on assets (ROA) | 0.3910% | 5,221 |
| Pretax return on assets | 0.5726% | 4,992 |
| Return on Equity (ROE) | 4.6268% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.6268% | 3,252 |
| Net charge-offs to loans | 0.0888% | 1,828 |
| Credit loss provision to net charge-offs | 90.9091% | 1,736 |
| Earnings coverage of net charge-offs (x) | 9.8136% | 1,982 |
| Efficiency ratio | 81.8419% | 1,640 |
| Assets per employee ($millions) | 6.6788% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 5,245 |
| Loan loss allowance to noncurrent loans | 46.7865% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 1.8975% | 1,277 |
| Noncurrent loans to loans | 2.0328% | 1,284 |
| Net loans and leases to total assets | 69.0101% | 2,284 |
| Net loans and leases to deposits | 97.3331% | 739 |
| Net loans and leases to core deposits | 114.3705% | 566 |
| Total domestic deposits to total assets | 70.9009% | 6,088 |
| Equity capital to assets | 8.5666% | 5,693 |
| Core capital (leverage) ratio | 9.4739% | 4,320 |
| Tier 1 risk-based capital ratio | 14.6216% | 3,644 |
| Total risk-based capital ratio | 15.6538% | 3,697 |
| Memoranda: | ||
| Average total assets | $1,427,126,500 | 501 |
| Average earning assets | $1,330,488,500 | 490 |
| Average equity | $120,602,500 | 639 |
| Average total loans | $991,388,500 | 481 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8034% | 4,483 |
| Cost of funding earning assets | 0.6930% | 1,142 |
| Net interest margin | 3.1104% | 5,177 |
| Noninterest income to average assets | 0.5096% | 3,435 |
| Noninterest expense to average assets | 2.7918% | 3,513 |
| Loan and lease loss provision to assets | 0.0571% | 3,398 |
| Net operating income to assets | 0.3855% | 5,267 |
| Return on assets (ROA) | 0.4022% | 5,279 |
| Pretax return on assets | 0.5727% | 5,025 |
| Return on Equity (ROE) | 4.9119% | 4,710 |
| Retained earnings to average equity (ytd only) | 4.9119% | 2,671 |
| Net charge-offs to loans | 0.1066% | 2,986 |
| Credit loss provision to net charge-offs | 78.8955% | 2,888 |
| Earnings coverage of net charge-offs (x) | 8.3659% | 2,888 |
| Efficiency ratio | 82.1670% | 1,643 |
| Assets per employee ($millions) | 6.4772% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9616% | 5,231 |
| Loan loss allowance to noncurrent loans | 43.7172% | 5,268 |
| Noncurrent assets plus other real estate owned to assets | 2.1790% | 1,124 |
| Noncurrent loans to loans | 2.1997% | 1,211 |
| Net loans and leases to total assets | 68.5955% | 2,472 |
| Net loans and leases to deposits | 96.7236% | 851 |
| Net loans and leases to core deposits | 113.9017% | 610 |
| Total domestic deposits to total assets | 70.9191% | 6,152 |
| Equity capital to assets | 8.3345% | 5,876 |
| Core capital (leverage) ratio | 9.3396% | 4,476 |
| Tier 1 risk-based capital ratio | 13.9166% | 4,157 |
| Total risk-based capital ratio | 14.9165% | 4,251 |
| Memoranda: | ||
| Average total assets | $1,400,032,200 | 499 |
| Average earning assets | $1,300,006,400 | 484 |
| Average equity | $114,640,000 | 635 |
| Average total loans | $950,987,800 | 475 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 4,576 |
| Cost of funding earning assets | 0.7000% | 1,154 |
| Net interest margin | 3.0902% | 5,287 |
| Noninterest income to average assets | 0.5056% | 3,511 |
| Noninterest expense to average assets | 2.6996% | 3,825 |
| Loan and lease loss provision to assets | 0.0670% | 3,010 |
| Net operating income to assets | 0.4119% | 5,203 |
| Return on assets (ROA) | 0.4259% | 5,231 |
| Pretax return on assets | 0.6266% | 4,941 |
| Return on Equity (ROE) | 5.2248% | 4,614 |
| Retained earnings to average equity (ytd only) | 5.2248% | 2,933 |
| Net charge-offs to loans | 0.1284% | 2,509 |
| Credit loss provision to net charge-offs | 77.1775% | 2,651 |
| Earnings coverage of net charge-offs (x) | 7.7564% | 2,900 |
| Efficiency ratio | 80.0459% | 1,910 |
| Assets per employee ($millions) | 6.6274% | 956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9804% | 5,294 |
| Loan loss allowance to noncurrent loans | 42.8089% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 1.6331% | 1,852 |
| Noncurrent loans to loans | 2.2902% | 1,307 |
| Net loans and leases to total assets | 67.9548% | 2,540 |
| Net loans and leases to deposits | 97.3397% | 771 |
| Net loans and leases to core deposits | 115.0173% | 550 |
| Total domestic deposits to total assets | 69.8120% | 6,293 |
| Equity capital to assets | 8.2956% | 5,945 |
| Core capital (leverage) ratio | 9.2871% | 4,655 |
| Tier 1 risk-based capital ratio | 13.7455% | 4,389 |
| Total risk-based capital ratio | 14.7438% | 4,483 |
| Memoranda: | ||
| Average total assets | $1,393,793,250 | 501 |
| Average earning assets | $1,293,140,750 | 488 |
| Average equity | $113,608,750 | 640 |
| Average total loans | $941,992,500 | 472 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 4,624 |
| Cost of funding earning assets | 0.6997% | 1,190 |
| Net interest margin | 3.0710% | 5,343 |
| Noninterest income to average assets | 0.4944% | 3,516 |
| Noninterest expense to average assets | 2.6895% | 3,907 |
| Loan and lease loss provision to assets | 0.0785% | 2,713 |
| Net operating income to assets | 0.3916% | 5,256 |
| Return on assets (ROA) | 0.4119% | 5,254 |
| Pretax return on assets | 0.6045% | 4,944 |
| Return on Equity (ROE) | 5.0834% | 4,635 |
| Retained earnings to average equity (ytd only) | 5.0834% | 2,909 |
| Net charge-offs to loans | 0.1404% | 2,264 |
| Credit loss provision to net charge-offs | 83.2061% | 2,296 |
| Earnings coverage of net charge-offs (x) | 6.9206% | 2,702 |
| Efficiency ratio | 80.4578% | 1,951 |
| Assets per employee ($millions) | 6.5694% | 978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 5,282 |
| Loan loss allowance to noncurrent loans | 41.0464% | 5,471 |
| Noncurrent assets plus other real estate owned to assets | 1.7122% | 1,909 |
| Noncurrent loans to loans | 2.4731% | 1,259 |
| Net loans and leases to total assets | 65.9344% | 2,758 |
| Net loans and leases to deposits | 91.2017% | 1,251 |
| Net loans and leases to core deposits | 106.3411% | 878 |
| Total domestic deposits to total assets | 72.2952% | 6,230 |
| Equity capital to assets | 8.1905% | 6,035 |
| Core capital (leverage) ratio | 9.3096% | 4,574 |
| Tier 1 risk-based capital ratio | 13.8310% | 4,369 |
| Total risk-based capital ratio | 14.8601% | 4,455 |
| Memoranda: | ||
| Average total assets | $1,387,847,670 | 500 |
| Average earning assets | $1,287,204,000 | 490 |
| Average equity | $112,444,000 | 638 |
| Average total loans | $933,067,330 | 473 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,598 |
| Cost of funding earning assets | 0.7070% | 1,207 |
| Net interest margin | 3.0658% | 5,349 |
| Noninterest income to average assets | 0.5151% | 3,292 |
| Noninterest expense to average assets | 2.6205% | 4,208 |
| Loan and lease loss provision to assets | 0.0874% | 2,457 |
| Net operating income to assets | 0.4379% | 4,985 |
| Return on assets (ROA) | 0.4900% | 4,820 |
| Pretax return on assets | 0.7241% | 4,405 |
| Return on Equity (ROE) | 6.0821% | 3,980 |
| Retained earnings to average equity (ytd only) | 6.0821% | 2,498 |
| Net charge-offs to loans | 0.1394% | 1,885 |
| Credit loss provision to net charge-offs | 92.8793% | 1,775 |
| Earnings coverage of net charge-offs (x) | 7.8050% | 2,089 |
| Efficiency ratio | 78.0992% | 2,461 |
| Assets per employee ($millions) | 6.5312% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0356% | 5,377 |
| Loan loss allowance to noncurrent loans | 33.8437% | 5,744 |
| Noncurrent assets plus other real estate owned to assets | 2.1041% | 1,590 |
| Noncurrent loans to loans | 3.0601% | 1,031 |
| Net loans and leases to total assets | 66.5071% | 2,485 |
| Net loans and leases to deposits | 91.8951% | 963 |
| Net loans and leases to core deposits | 107.1015% | 714 |
| Total domestic deposits to total assets | 72.3728% | 6,342 |
| Equity capital to assets | 8.0813% | 5,994 |
| Core capital (leverage) ratio | 9.4547% | 4,341 |
| Tier 1 risk-based capital ratio | 13.7109% | 4,530 |
| Total risk-based capital ratio | 14.7454% | 4,623 |
| Memoranda: | ||
| Average total assets | $1,372,276,500 | 505 |
| Average earning assets | $1,271,308,500 | 489 |
| Average equity | $110,554,500 | 648 |
| Average total loans | $927,002,000 | 472 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8273% | 4,706 |
| Cost of funding earning assets | 0.7964% | 1,229 |
| Net interest margin | 3.0309% | 5,505 |
| Noninterest income to average assets | 0.5406% | 3,472 |
| Noninterest expense to average assets | 3.1425% | 2,613 |
| Loan and lease loss provision to assets | 0.1004% | 3,126 |
| Net operating income to assets | 0.0712% | 6,098 |
| Return on assets (ROA) | 0.2266% | 5,816 |
| Pretax return on assets | 0.3097% | 5,707 |
| Return on Equity (ROE) | 3.0019% | 5,511 |
| Retained earnings to average equity (ytd only) | 3.0019% | 4,104 |
| Net charge-offs to loans | 0.2206% | 2,698 |
| Credit loss provision to net charge-offs | 69.3731% | 3,323 |
| Earnings coverage of net charge-offs (x) | 1.3623% | 4,608 |
| Efficiency ratio | 94.0954% | 743 |
| Assets per employee ($millions) | 6.4143% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 5,319 |
| Loan loss allowance to noncurrent loans | 43.2757% | 5,517 |
| Noncurrent assets plus other real estate owned to assets | 1.7288% | 2,136 |
| Noncurrent loans to loans | 2.4399% | 1,566 |
| Net loans and leases to total assets | 67.1939% | 2,486 |
| Net loans and leases to deposits | 92.0304% | 1,046 |
| Net loans and leases to core deposits | 106.8519% | 752 |
| Total domestic deposits to total assets | 73.0127% | 6,355 |
| Equity capital to assets | 8.0306% | 5,996 |
| Core capital (leverage) ratio | 9.1425% | 4,795 |
| Tier 1 risk-based capital ratio | 13.1819% | 4,863 |
| Total risk-based capital ratio | 14.2131% | 4,954 |
| Memoranda: | ||
| Average total assets | $1,344,322,400 | 494 |
| Average earning assets | $1,241,507,200 | 485 |
| Average equity | $101,470,200 | 697 |
| Average total loans | $881,997,400 | 473 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7997% | 4,861 |
| Cost of funding earning assets | 1.0130% | 461 |
| Net interest margin | 2.7867% | 6,037 |
| Noninterest income to average assets | 0.5448% | 3,494 |
| Noninterest expense to average assets | 3.0090% | 2,964 |
| Loan and lease loss provision to assets | 0.1043% | 3,020 |
| Net operating income to assets | 0.0040% | 6,293 |
| Return on assets (ROA) | 0.1565% | 6,092 |
| Pretax return on assets | 0.2136% | 6,017 |
| Return on Equity (ROE) | 2.1070% | 5,903 |
| Retained earnings to average equity (ytd only) | 2.1070% | 5,059 |
| Net charge-offs to loans | 0.2863% | 2,109 |
| Credit loss provision to net charge-offs | 56.0299% | 3,376 |
| Earnings coverage of net charge-offs (x) | 0.5854% | 4,662 |
| Efficiency ratio | 96.5046% | 597 |
| Assets per employee ($millions) | 6.3907% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 5,512 |
| Loan loss allowance to noncurrent loans | 35.7663% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 2.0128% | 1,996 |
| Noncurrent loans to loans | 2.9472% | 1,380 |
| Net loans and leases to total assets | 65.6588% | 2,695 |
| Net loans and leases to deposits | 91.1741% | 1,046 |
| Net loans and leases to core deposits | 106.4110% | 737 |
| Total domestic deposits to total assets | 72.0148% | 6,492 |
| Equity capital to assets | 7.1244% | 6,513 |
| Core capital (leverage) ratio | 9.1384% | 4,907 |
| Tier 1 risk-based capital ratio | 12.9286% | 5,170 |
| Total risk-based capital ratio | 13.9858% | 5,245 |
| Memoranda: | ||
| Average total assets | $1,342,048,500 | 498 |
| Average earning assets | $1,239,199,500 | 487 |
| Average equity | $99,666,000 | 719 |
| Average total loans | $872,717,000 | 477 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 4,801 |
| Cost of funding earning assets | 1.1406% | 274 |
| Net interest margin | 2.6687% | 6,232 |
| Noninterest income to average assets | 0.6047% | 3,158 |
| Noninterest expense to average assets | 3.0878% | 2,700 |
| Loan and lease loss provision to assets | 0.1121% | 2,940 |
| Net operating income to assets | -0.1008% | 6,404 |
| Return on assets (ROA) | 0.1301% | 6,169 |
| Pretax return on assets | 0.1722% | 6,119 |
| Return on Equity (ROE) | 1.7277% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.7277% | 5,150 |
| Net charge-offs to loans | 0.3063% | 1,959 |
| Credit loss provision to net charge-offs | 56.6893% | 3,081 |
| Earnings coverage of net charge-offs (x) | -0.0983% | 4,581 |
| Efficiency ratio | 100.6334% | 467 |
| Assets per employee ($millions) | 6.2197% | 1,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,315 |
| Loan loss allowance to noncurrent loans | 38.6538% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 1.9910% | 2,158 |
| Noncurrent loans to loans | 2.9235% | 1,532 |
| Net loans and leases to total assets | 63.6478% | 2,979 |
| Net loans and leases to deposits | 84.2499% | 1,768 |
| Net loans and leases to core deposits | 97.2325% | 1,267 |
| Total domestic deposits to total assets | 75.5465% | 6,301 |
| Equity capital to assets | 7.2276% | 6,538 |
| Core capital (leverage) ratio | 9.0244% | 4,947 |
| Tier 1 risk-based capital ratio | 13.0243% | 5,129 |
| Total risk-based capital ratio | 14.1258% | 5,174 |
| Memoranda: | ||
| Average total assets | $1,337,786,330 | 498 |
| Average earning assets | $1,234,994,330 | 489 |
| Average equity | $100,713,330 | 715 |
| Average total loans | $863,940,670 | 480 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7883% | 4,861 |
| Cost of funding earning assets | 0.8674% | 1,165 |
| Net interest margin | 2.9210% | 5,770 |
| Noninterest income to average assets | 0.6702% | 2,755 |
| Noninterest expense to average assets | 3.0943% | 2,696 |
| Loan and lease loss provision to assets | 0.1345% | 2,560 |
| Net operating income to assets | 0.1133% | 6,121 |
| Return on assets (ROA) | 0.1160% | 6,213 |
| Pretax return on assets | 0.1417% | 6,190 |
| Return on Equity (ROE) | 1.5105% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.5105% | 5,230 |
| Net charge-offs to loans | 0.2103% | 2,157 |
| Credit loss provision to net charge-offs | 98.9011% | 1,887 |
| Earnings coverage of net charge-offs (x) | 2.0066% | 3,162 |
| Efficiency ratio | 91.8945% | 995 |
| Assets per employee ($millions) | 6.3321% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1879% | 5,231 |
| Loan loss allowance to noncurrent loans | 38.9779% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.0216% | 2,312 |
| Noncurrent loans to loans | 3.0476% | 1,638 |
| Net loans and leases to total assets | 64.1020% | 2,686 |
| Net loans and leases to deposits | 88.4814% | 1,096 |
| Net loans and leases to core deposits | 103.0437% | 767 |
| Total domestic deposits to total assets | 72.4468% | 6,637 |
| Equity capital to assets | 7.7084% | 6,519 |
| Core capital (leverage) ratio | 9.0943% | 4,726 |
| Tier 1 risk-based capital ratio | 12.7366% | 5,412 |
| Total risk-based capital ratio | 13.9456% | 5,386 |
| Memoranda: | ||
| Average total assets | $1,338,063,500 | 500 |
| Average earning assets | $1,235,474,000 | 490 |
| Average equity | $102,745,000 | 711 |
| Average total loans | $865,487,500 | 477 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0771% | 5,026 |
| Cost of funding earning assets | 0.9812% | 1,458 |
| Net interest margin | 3.0959% | 5,824 |
| Noninterest income to average assets | 0.6085% | 3,235 |
| Noninterest expense to average assets | 3.0520% | 3,087 |
| Loan and lease loss provision to assets | 0.0897% | 4,570 |
| Net operating income to assets | 0.2332% | 5,691 |
| Return on assets (ROA) | 0.2480% | 5,839 |
| Pretax return on assets | 0.3389% | 5,745 |
| Return on Equity (ROE) | 3.2143% | 5,467 |
| Retained earnings to average equity (ytd only) | 3.2143% | 3,960 |
| Net charge-offs to loans | 0.2919% | 3,191 |
| Credit loss provision to net charge-offs | 47.9808% | 4,742 |
| Earnings coverage of net charge-offs (x) | 2.1843% | 4,327 |
| Efficiency ratio | 88.2042% | 1,223 |
| Assets per employee ($millions) | 6.1754% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 5,149 |
| Loan loss allowance to noncurrent loans | 35.1139% | 5,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2132% | 2,213 |
| Noncurrent loans to loans | 3.3945% | 1,486 |
| Net loans and leases to total assets | 63.7235% | 2,941 |
| Net loans and leases to deposits | 88.1564% | 1,254 |
| Net loans and leases to core deposits | 101.1737% | 947 |
| Total domestic deposits to total assets | 72.2846% | 6,678 |
| Equity capital to assets | 7.6490% | 6,570 |
| Core capital (leverage) ratio | 9.0283% | 4,854 |
| Tier 1 risk-based capital ratio | 12.7486% | 5,294 |
| Total risk-based capital ratio | 13.9110% | 5,298 |
| Memoranda: | ||
| Average total assets | $1,338,450,800 | 497 |
| Average earning assets | $1,232,859,400 | 486 |
| Average equity | $103,289,400 | 687 |
| Average total loans | $856,681,600 | 478 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1174% | 5,125 |
| Cost of funding earning assets | 1.0030% | 1,538 |
| Net interest margin | 3.1144% | 5,906 |
| Noninterest income to average assets | 0.5364% | 3,702 |
| Noninterest expense to average assets | 3.0264% | 3,143 |
| Loan and lease loss provision to assets | 0.0897% | 4,486 |
| Net operating income to assets | 0.2072% | 5,896 |
| Return on assets (ROA) | 0.2333% | 6,012 |
| Pretax return on assets | 0.3240% | 5,910 |
| Return on Equity (ROE) | 3.0161% | 5,675 |
| Retained earnings to average equity (ytd only) | 3.0161% | 4,744 |
| Net charge-offs to loans | 0.3471% | 2,715 |
| Credit loss provision to net charge-offs | 40.4494% | 4,609 |
| Earnings coverage of net charge-offs (x) | 1.7029% | 4,418 |
| Efficiency ratio | 88.9084% | 1,120 |
| Assets per employee ($millions) | 6.3091% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1806% | 5,368 |
| Loan loss allowance to noncurrent loans | 32.6130% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 2.4325% | 2,180 |
| Noncurrent loans to loans | 3.6202% | 1,493 |
| Net loans and leases to total assets | 64.0094% | 3,028 |
| Net loans and leases to deposits | 90.2512% | 1,115 |
| Net loans and leases to core deposits | 104.5010% | 842 |
| Total domestic deposits to total assets | 70.9236% | 6,800 |
| Equity capital to assets | 7.8732% | 6,651 |
| Core capital (leverage) ratio | 9.1761% | 4,801 |
| Tier 1 risk-based capital ratio | 12.9487% | 5,293 |
| Total risk-based capital ratio | 14.0961% | 5,337 |
| Memoranda: | ||
| Average total assets | $1,338,048,750 | 499 |
| Average earning assets | $1,232,000,250 | 491 |
| Average equity | $103,486,500 | 684 |
| Average total loans | $854,793,750 | 478 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1528% | 5,123 |
| Cost of funding earning assets | 1.0284% | 1,590 |
| Net interest margin | 3.1244% | 5,930 |
| Noninterest income to average assets | 0.5318% | 3,715 |
| Noninterest expense to average assets | 3.0318% | 3,147 |
| Loan and lease loss provision to assets | 0.0898% | 4,449 |
| Net operating income to assets | 0.2037% | 5,904 |
| Return on assets (ROA) | 0.2438% | 5,972 |
| Pretax return on assets | 0.3405% | 5,858 |
| Return on Equity (ROE) | 3.1719% | 5,618 |
| Retained earnings to average equity (ytd only) | 3.1719% | 4,503 |
| Net charge-offs to loans | 0.3748% | 2,518 |
| Credit loss provision to net charge-offs | 37.6884% | 4,312 |
| Earnings coverage of net charge-offs (x) | 1.5722% | 4,209 |
| Efficiency ratio | 89.0012% | 1,145 |
| Assets per employee ($millions) | 6.2278% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 5,195 |
| Loan loss allowance to noncurrent loans | 31.0452% | 6,107 |
| Noncurrent assets plus other real estate owned to assets | 2.6501% | 2,085 |
| Noncurrent loans to loans | 3.9713% | 1,396 |
| Net loans and leases to total assets | 62.8935% | 3,252 |
| Net loans and leases to deposits | 86.4920% | 1,531 |
| Net loans and leases to core deposits | 98.3073% | 1,244 |
| Total domestic deposits to total assets | 72.7160% | 6,764 |
| Equity capital to assets | 7.6594% | 6,730 |
| Core capital (leverage) ratio | 9.1709% | 4,660 |
| Tier 1 risk-based capital ratio | 13.0177% | 5,175 |
| Total risk-based capital ratio | 14.1917% | 5,203 |
| Memoranda: | ||
| Average total assets | $1,336,122,000 | 503 |
| Average earning assets | $1,229,283,670 | 494 |
| Average equity | $102,714,670 | 689 |
| Average total loans | $849,573,670 | 484 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 5,078 |
| Cost of funding earning assets | 1.0654% | 1,590 |
| Net interest margin | 3.1422% | 5,926 |
| Noninterest income to average assets | 0.5269% | 3,720 |
| Noninterest expense to average assets | 3.0176% | 3,180 |
| Loan and lease loss provision to assets | 0.0903% | 4,226 |
| Net operating income to assets | 0.2212% | 5,916 |
| Return on assets (ROA) | 0.2264% | 6,046 |
| Pretax return on assets | 0.3140% | 5,946 |
| Return on Equity (ROE) | 2.9399% | 5,735 |
| Retained earnings to average equity (ytd only) | 2.9399% | 4,781 |
| Net charge-offs to loans | 0.4398% | 1,992 |
| Credit loss provision to net charge-offs | 32.3276% | 3,587 |
| Earnings coverage of net charge-offs (x) | 1.4213% | 3,612 |
| Efficiency ratio | 88.3696% | 1,236 |
| Assets per employee ($millions) | 6.2222% | 1,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2885% | 5,069 |
| Loan loss allowance to noncurrent loans | 33.1351% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 2.6969% | 2,184 |
| Noncurrent loans to loans | 3.8885% | 1,587 |
| Net loans and leases to total assets | 62.8457% | 3,082 |
| Net loans and leases to deposits | 85.8295% | 1,443 |
| Net loans and leases to core deposits | 98.7142% | 1,072 |
| Total domestic deposits to total assets | 73.2216% | 6,811 |
| Equity capital to assets | 7.7173% | 6,683 |
| Core capital (leverage) ratio | 9.2766% | 4,404 |
| Tier 1 risk-based capital ratio | 13.2999% | 4,980 |
| Total risk-based capital ratio | 14.5669% | 4,956 |
| Memoranda: | ||
| Average total assets | $1,328,461,500 | 505 |
| Average earning assets | $1,220,921,500 | 493 |
| Average equity | $102,316,000 | 693 |
| Average total loans | $844,070,500 | 488 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4672% | 5,192 |
| Cost of funding earning assets | 1.1889% | 2,099 |
| Net interest margin | 3.2783% | 5,878 |
| Noninterest income to average assets | 0.4462% | 4,253 |
| Noninterest expense to average assets | 2.9346% | 3,827 |
| Loan and lease loss provision to assets | 0.2104% | 4,084 |
| Net operating income to assets | 0.2361% | 5,478 |
| Return on assets (ROA) | 0.2353% | 5,618 |
| Pretax return on assets | 0.3109% | 5,529 |
| Return on Equity (ROE) | 2.9923% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.9923% | 4,098 |
| Net charge-offs to loans | 0.3372% | 3,709 |
| Credit loss provision to net charge-offs | 99.0674% | 3,615 |
| Earnings coverage of net charge-offs (x) | 2.4595% | 3,980 |
| Efficiency ratio | 84.8928% | 1,675 |
| Assets per employee ($millions) | 5.9690% | 1,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 4,527 |
| Loan loss allowance to noncurrent loans | 47.9501% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 1.9643% | 3,015 |
| Noncurrent loans to loans | 2.8928% | 2,261 |
| Net loans and leases to total assets | 62.5276% | 3,501 |
| Net loans and leases to deposits | 85.3400% | 1,758 |
| Net loans and leases to core deposits | 99.1698% | 1,246 |
| Total domestic deposits to total assets | 73.2687% | 6,786 |
| Equity capital to assets | 7.6861% | 6,731 |
| Core capital (leverage) ratio | 9.2126% | 4,446 |
| Tier 1 risk-based capital ratio | 13.3499% | 4,806 |
| Total risk-based capital ratio | 14.6214% | 4,766 |
| Memoranda: | ||
| Average total assets | $1,313,025,200 | 496 |
| Average earning assets | $1,205,814,600 | 492 |
| Average equity | $103,264,200 | 666 |
| Average total loans | $826,781,800 | 501 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4935% | 5,269 |
| Cost of funding earning assets | 1.2102% | 2,255 |
| Net interest margin | 3.2833% | 5,908 |
| Noninterest income to average assets | 0.4240% | 4,485 |
| Noninterest expense to average assets | 2.9375% | 3,788 |
| Loan and lease loss provision to assets | 0.1932% | 4,089 |
| Net operating income to assets | 0.2243% | 5,635 |
| Return on assets (ROA) | 0.2229% | 5,772 |
| Pretax return on assets | 0.3063% | 5,690 |
| Return on Equity (ROE) | 2.8187% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.8187% | 4,668 |
| Net charge-offs to loans | 0.2968% | 3,607 |
| Credit loss provision to net charge-offs | 103.5422% | 3,217 |
| Earnings coverage of net charge-offs (x) | 2.6872% | 3,776 |
| Efficiency ratio | 85.4225% | 1,587 |
| Assets per employee ($millions) | 6.0056% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 4,465 |
| Loan loss allowance to noncurrent loans | 64.0186% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 1.5970% | 3,693 |
| Noncurrent loans to loans | 2.2190% | 3,085 |
| Net loans and leases to total assets | 61.9784% | 3,726 |
| Net loans and leases to deposits | 85.5610% | 1,743 |
| Net loans and leases to core deposits | 98.2996% | 1,402 |
| Total domestic deposits to total assets | 72.4377% | 6,902 |
| Equity capital to assets | 8.1527% | 6,596 |
| Core capital (leverage) ratio | 8.8835% | 5,133 |
| Tier 1 risk-based capital ratio | 13.2746% | 4,897 |
| Total risk-based capital ratio | 14.5256% | 4,870 |
| Memoranda: | ||
| Average total assets | $1,311,496,500 | 504 |
| Average earning assets | $1,204,245,750 | 498 |
| Average equity | $103,732,500 | 665 |
| Average total loans | $824,370,250 | 510 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4883% | 5,389 |
| Cost of funding earning assets | 1.2222% | 2,427 |
| Net interest margin | 3.2662% | 5,950 |
| Noninterest income to average assets | 0.4365% | 4,371 |
| Noninterest expense to average assets | 2.9477% | 3,838 |
| Loan and lease loss provision to assets | 0.0914% | 5,174 |
| Net operating income to assets | 0.2815% | 5,443 |
| Return on assets (ROA) | 0.2778% | 5,585 |
| Pretax return on assets | 0.3903% | 5,420 |
| Return on Equity (ROE) | 3.5491% | 5,140 |
| Retained earnings to average equity (ytd only) | 3.5491% | 3,982 |
| Net charge-offs to loans | 0.3409% | 3,200 |
| Credit loss provision to net charge-offs | 42.6743% | 4,764 |
| Earnings coverage of net charge-offs (x) | 2.2724% | 3,692 |
| Efficiency ratio | 85.8227% | 1,621 |
| Assets per employee ($millions) | 5.9013% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 5,027 |
| Loan loss allowance to noncurrent loans | 48.9484% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.7713% | 3,551 |
| Noncurrent loans to loans | 2.6698% | 2,729 |
| Net loans and leases to total assets | 60.7422% | 4,138 |
| Net loans and leases to deposits | 83.3968% | 2,202 |
| Net loans and leases to core deposits | 96.4675% | 1,631 |
| Total domestic deposits to total assets | 72.8351% | 6,940 |
| Equity capital to assets | 7.8073% | 6,803 |
| Core capital (leverage) ratio | 8.8875% | 4,901 |
| Tier 1 risk-based capital ratio | 12.9894% | 4,922 |
| Total risk-based capital ratio | 14.2531% | 4,894 |
| Memoranda: | ||
| Average total assets | $1,312,258,330 | 506 |
| Average earning assets | $1,204,586,000 | 502 |
| Average equity | $102,731,330 | 673 |
| Average total loans | $824,786,670 | 515 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 5,129 |
| Cost of funding earning assets | 1.2527% | 2,488 |
| Net interest margin | 3.3072% | 5,752 |
| Noninterest income to average assets | 0.4631% | 4,164 |
| Noninterest expense to average assets | 3.0051% | 3,630 |
| Loan and lease loss provision to assets | 0.0926% | 4,857 |
| Net operating income to assets | 0.2842% | 5,488 |
| Return on assets (ROA) | 0.2757% | 5,579 |
| Pretax return on assets | 0.3862% | 5,384 |
| Return on Equity (ROE) | 3.5167% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.5167% | 4,074 |
| Net charge-offs to loans | 0.0136% | 4,889 |
| Credit loss provision to net charge-offs | 1,071.4286% | 356 |
| Earnings coverage of net charge-offs (x) | 56.7857% | 517 |
| Efficiency ratio | 85.9590% | 1,718 |
| Assets per employee ($millions) | 5.8721% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 4,476 |
| Loan loss allowance to noncurrent loans | 47.1829% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 1.9870% | 3,335 |
| Noncurrent loans to loans | 3.0542% | 2,458 |
| Net loans and leases to total assets | 63.2875% | 3,588 |
| Net loans and leases to deposits | 87.3629% | 1,539 |
| Net loans and leases to core deposits | 100.2855% | 1,317 |
| Total domestic deposits to total assets | 72.4421% | 7,046 |
| Equity capital to assets | 7.9224% | 6,572 |
| Core capital (leverage) ratio | 8.9351% | 4,718 |
| Tier 1 risk-based capital ratio | 12.8969% | 4,901 |
| Total risk-based capital ratio | 14.2044% | 4,848 |
| Memoranda: | ||
| Average total assets | $1,295,643,000 | 518 |
| Average earning assets | $1,188,182,500 | 512 |
| Average equity | $101,573,500 | 672 |
| Average total loans | $823,129,500 | 530 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8725% | 5,147 |
| Cost of funding earning assets | 1.5445% | 2,377 |
| Net interest margin | 3.3281% | 5,879 |
| Noninterest income to average assets | 0.5470% | 3,838 |
| Noninterest expense to average assets | 2.9257% | 4,125 |
| Loan and lease loss provision to assets | 0.3429% | 4,088 |
| Net operating income to assets | 0.2715% | 5,028 |
| Return on assets (ROA) | 0.1958% | 5,451 |
| Pretax return on assets | 0.2250% | 5,430 |
| Return on Equity (ROE) | 2.5228% | 5,170 |
| Retained earnings to average equity (ytd only) | 2.5228% | 4,107 |
| Net charge-offs to loans | 0.4724% | 3,732 |
| Credit loss provision to net charge-offs | 110.6729% | 3,976 |
| Earnings coverage of net charge-offs (x) | 2.1136% | 4,136 |
| Efficiency ratio | 81.7082% | 2,202 |
| Assets per employee ($millions) | 6.0430% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4172% | 4,440 |
| Loan loss allowance to noncurrent loans | 43.3751% | 5,426 |
| Noncurrent assets plus other real estate owned to assets | 2.0607% | 3,272 |
| Noncurrent loans to loans | 3.2673% | 2,324 |
| Net loans and leases to total assets | 61.9676% | 4,294 |
| Net loans and leases to deposits | 85.6353% | 2,162 |
| Net loans and leases to core deposits | 99.8075% | 1,637 |
| Total domestic deposits to total assets | 72.3621% | 7,051 |
| Equity capital to assets | 7.7581% | 6,703 |
| Core capital (leverage) ratio | 8.9543% | 4,613 |
| Tier 1 risk-based capital ratio | 13.0982% | 4,523 |
| Total risk-based capital ratio | 14.3810% | 4,458 |
| Memoranda: | ||
| Average total assets | $1,309,239,000 | 516 |
| Average earning assets | $1,193,422,200 | 512 |
| Average equity | $101,632,800 | 664 |
| Average total loans | $858,781,600 | 523 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9332% | 5,120 |
| Cost of funding earning assets | 1.6028% | 2,373 |
| Net interest margin | 3.3304% | 5,924 |
| Noninterest income to average assets | 0.5186% | 4,038 |
| Noninterest expense to average assets | 2.8863% | 4,145 |
| Loan and lease loss provision to assets | 0.3806% | 3,607 |
| Net operating income to assets | 0.2320% | 5,416 |
| Return on assets (ROA) | 0.1424% | 5,819 |
| Pretax return on assets | 0.1731% | 5,787 |
| Return on Equity (ROE) | 1.8337% | 5,666 |
| Retained earnings to average equity (ytd only) | 1.8337% | 5,042 |
| Net charge-offs to loans | 0.4933% | 3,303 |
| Credit loss provision to net charge-offs | 116.4021% | 3,582 |
| Earnings coverage of net charge-offs (x) | 2.0277% | 4,201 |
| Efficiency ratio | 81.3206% | 2,149 |
| Assets per employee ($millions) | 6.0424% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 4,524 |
| Loan loss allowance to noncurrent loans | 39.6161% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 3,069 |
| Noncurrent loans to loans | 3.5071% | 2,252 |
| Net loans and leases to total assets | 63.7435% | 4,174 |
| Net loans and leases to deposits | 89.1973% | 1,836 |
| Net loans and leases to core deposits | 103.3428% | 1,537 |
| Total domestic deposits to total assets | 71.4636% | 7,183 |
| Equity capital to assets | 7.9722% | 6,817 |
| Core capital (leverage) ratio | 8.8771% | 4,881 |
| Tier 1 risk-based capital ratio | 12.9274% | 4,630 |
| Total risk-based capital ratio | 14.1781% | 4,614 |
| Memoranda: | ||
| Average total assets | $1,310,224,750 | 511 |
| Average earning assets | $1,192,288,500 | 508 |
| Average equity | $101,724,500 | 655 |
| Average total loans | $868,355,000 | 514 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 5,117 |
| Cost of funding earning assets | 1.6474% | 2,402 |
| Net interest margin | 3.3152% | 5,962 |
| Noninterest income to average assets | 0.5648% | 3,587 |
| Noninterest expense to average assets | 2.8798% | 4,153 |
| Loan and lease loss provision to assets | 0.4192% | 3,223 |
| Net operating income to assets | 0.2387% | 5,415 |
| Return on assets (ROA) | 0.1239% | 5,899 |
| Pretax return on assets | 0.1474% | 5,892 |
| Return on Equity (ROE) | 1.6107% | 5,756 |
| Retained earnings to average equity (ytd only) | 1.6107% | 5,057 |
| Net charge-offs to loans | 0.5499% | 2,882 |
| Credit loss provision to net charge-offs | 114.1079% | 3,570 |
| Earnings coverage of net charge-offs (x) | 1.9141% | 4,085 |
| Efficiency ratio | 80.3727% | 2,393 |
| Assets per employee ($millions) | 6.3099% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 4,710 |
| Loan loss allowance to noncurrent loans | 39.8129% | 5,696 |
| Noncurrent assets plus other real estate owned to assets | 2.1950% | 3,263 |
| Noncurrent loans to loans | 3.3762% | 2,366 |
| Net loans and leases to total assets | 63.2897% | 4,397 |
| Net loans and leases to deposits | 87.9311% | 2,181 |
| Net loans and leases to core deposits | 99.6585% | 2,057 |
| Total domestic deposits to total assets | 71.9764% | 7,185 |
| Equity capital to assets | 7.7092% | 6,994 |
| Core capital (leverage) ratio | 8.8398% | 4,848 |
| Tier 1 risk-based capital ratio | 12.7634% | 4,637 |
| Total risk-based capital ratio | 14.0137% | 4,602 |
| Memoranda: | ||
| Average total assets | $1,311,911,000 | 506 |
| Average earning assets | $1,194,391,670 | 503 |
| Average equity | $100,949,330 | 651 |
| Average total loans | $876,579,670 | 509 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0573% | 4,748 |
| Cost of funding earning assets | 1.7269% | 2,253 |
| Net interest margin | 3.3304% | 5,858 |
| Noninterest income to average assets | 0.4684% | 4,312 |
| Noninterest expense to average assets | 2.8763% | 4,157 |
| Loan and lease loss provision to assets | 0.3695% | 3,150 |
| Net operating income to assets | 0.2250% | 5,599 |
| Return on assets (ROA) | 0.0871% | 6,158 |
| Pretax return on assets | 0.0979% | 6,140 |
| Return on Equity (ROE) | 1.1336% | 6,086 |
| Retained earnings to average equity (ytd only) | 1.1336% | 5,365 |
| Net charge-offs to loans | 0.4294% | 2,757 |
| Credit loss provision to net charge-offs | 126.1830% | 2,789 |
| Earnings coverage of net charge-offs (x) | 2.1251% | 3,473 |
| Efficiency ratio | 82.2126% | 2,250 |
| Assets per employee ($millions) | 6.0911% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 4,923 |
| Loan loss allowance to noncurrent loans | 44.8310% | 5,367 |
| Noncurrent assets plus other real estate owned to assets | 1.9856% | 3,519 |
| Noncurrent loans to loans | 2.9059% | 2,775 |
| Net loans and leases to total assets | 66.5150% | 3,743 |
| Net loans and leases to deposits | 94.6942% | 1,271 |
| Net loans and leases to core deposits | 107.5329% | 1,459 |
| Total domestic deposits to total assets | 70.2419% | 7,395 |
| Equity capital to assets | 7.7407% | 6,892 |
| Core capital (leverage) ratio | 9.0410% | 4,493 |
| Tier 1 risk-based capital ratio | 12.4449% | 4,796 |
| Total risk-based capital ratio | 13.6804% | 4,758 |
| Memoranda: | ||
| Average total assets | $1,299,012,500 | 530 |
| Average earning assets | $1,181,975,500 | 525 |
| Average equity | $99,861,000 | 662 |
| Average total loans | $885,786,500 | 527 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3796% | 4,790 |
| Cost of funding earning assets | 2.1797% | 2,115 |
| Net interest margin | 3.1999% | 6,094 |
| Noninterest income to average assets | 0.3212% | 5,791 |
| Noninterest expense to average assets | 2.8738% | 4,639 |
| Loan and lease loss provision to assets | 0.8686% | 2,572 |
| Net operating income to assets | -0.3125% | 5,988 |
| Return on assets (ROA) | -0.5302% | 6,208 |
| Pretax return on assets | -0.8437% | 6,302 |
| Return on Equity (ROE) | -6.7829% | 6,370 |
| Retained earnings to average equity (ytd only) | -6.7829% | 6,220 |
| Net charge-offs to loans | 0.7399% | 2,972 |
| Credit loss provision to net charge-offs | 164.7347% | 2,650 |
| Earnings coverage of net charge-offs (x) | 0.6922% | 5,405 |
| Efficiency ratio | 88.7300% | 1,817 |
| Assets per employee ($millions) | 6.0776% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,029 |
| Loan loss allowance to noncurrent loans | 44.4070% | 5,442 |
| Noncurrent assets plus other real estate owned to assets | 2.3761% | 2,925 |
| Noncurrent loans to loans | 2.8227% | 2,733 |
| Net loans and leases to total assets | 68.1262% | 3,679 |
| Net loans and leases to deposits | 101.3404% | 798 |
| Net loans and leases to core deposits | 125.1162% | 1,570 |
| Total domestic deposits to total assets | 67.2251% | 7,594 |
| Equity capital to assets | 7.6339% | 6,913 |
| Core capital (leverage) ratio | 8.7315% | 4,870 |
| Tier 1 risk-based capital ratio | 12.1236% | 4,832 |
| Total risk-based capital ratio | 13.3318% | 4,839 |
| Memoranda: | ||
| Average total assets | $1,276,130,200 | 529 |
| Average earning assets | $1,163,552,800 | 524 |
| Average equity | $99,751,000 | 660 |
| Average total loans | $909,500,600 | 523 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4127% | 4,885 |
| Cost of funding earning assets | 2.2603% | 2,150 |
| Net interest margin | 3.1523% | 6,169 |
| Noninterest income to average assets | 0.4946% | 4,531 |
| Noninterest expense to average assets | 2.8225% | 4,802 |
| Loan and lease loss provision to assets | 0.7372% | 2,534 |
| Net operating income to assets | -0.0921% | 5,878 |
| Return on assets (ROA) | -0.2490% | 6,145 |
| Pretax return on assets | -0.4335% | 6,234 |
| Return on Equity (ROE) | -3.1671% | 6,266 |
| Retained earnings to average equity (ytd only) | -3.1671% | 5,968 |
| Net charge-offs to loans | 0.6043% | 2,863 |
| Credit loss provision to net charge-offs | 169.7658% | 2,747 |
| Earnings coverage of net charge-offs (x) | 1.2639% | 4,827 |
| Efficiency ratio | 83.7206% | 2,325 |
| Assets per employee ($millions) | 5.8717% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 5,927 |
| Loan loss allowance to noncurrent loans | 39.5882% | 5,709 |
| Noncurrent assets plus other real estate owned to assets | 2.6353% | 2,639 |
| Noncurrent loans to loans | 2.6919% | 2,817 |
| Net loans and leases to total assets | 70.5530% | 3,375 |
| Net loans and leases to deposits | 105.7057% | 664 |
| Net loans and leases to core deposits | 130.8224% | 1,382 |
| Total domestic deposits to total assets | 66.7447% | 7,646 |
| Equity capital to assets | 8.0692% | 6,778 |
| Core capital (leverage) ratio | 8.9745% | 4,687 |
| Tier 1 risk-based capital ratio | 12.0794% | 4,898 |
| Total risk-based capital ratio | 13.1041% | 5,042 |
| Memoranda: | ||
| Average total assets | $1,271,528,750 | 542 |
| Average earning assets | $1,160,337,500 | 538 |
| Average equity | $99,983,000 | 664 |
| Average total loans | $913,597,500 | 533 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5165% | 4,532 |
| Cost of funding earning assets | 2.3185% | 2,284 |
| Net interest margin | 3.1980% | 5,922 |
| Noninterest income to average assets | 0.5639% | 3,935 |
| Noninterest expense to average assets | 2.9091% | 4,470 |
| Loan and lease loss provision to assets | 0.3657% | 3,738 |
| Net operating income to assets | 0.1694% | 5,356 |
| Return on assets (ROA) | 0.1704% | 5,456 |
| Pretax return on assets | 0.2112% | 5,437 |
| Return on Equity (ROE) | 2.1865% | 5,223 |
| Retained earnings to average equity (ytd only) | 2.1865% | 4,124 |
| Net charge-offs to loans | 0.2552% | 3,922 |
| Credit loss provision to net charge-offs | 198.9708% | 2,301 |
| Earnings coverage of net charge-offs (x) | 3.1321% | 3,557 |
| Efficiency ratio | 83.4796% | 2,548 |
| Assets per employee ($millions) | 6.0714% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8727% | 6,893 |
| Loan loss allowance to noncurrent loans | 36.2018% | 6,012 |
| Noncurrent assets plus other real estate owned to assets | 2.0561% | 3,121 |
| Noncurrent loans to loans | 2.4107% | 3,000 |
| Net loans and leases to total assets | 69.8745% | 3,732 |
| Net loans and leases to deposits | 104.0934% | 906 |
| Net loans and leases to core deposits | 123.8154% | 2,043 |
| Total domestic deposits to total assets | 67.1268% | 7,672 |
| Equity capital to assets | 7.6723% | 7,109 |
| Core capital (leverage) ratio | 9.5155% | 3,862 |
| Tier 1 risk-based capital ratio | 12.7567% | 4,315 |
| Total risk-based capital ratio | 13.5942% | 4,568 |
| Memoranda: | ||
| Average total assets | $1,268,692,330 | 555 |
| Average earning assets | $1,158,775,330 | 555 |
| Average equity | $98,881,000 | 680 |
| Average total loans | $913,852,330 | 546 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6010% | 4,350 |
| Cost of funding earning assets | 2.3555% | 2,490 |
| Net interest margin | 3.2455% | 5,705 |
| Noninterest income to average assets | 0.5955% | 3,580 |
| Noninterest expense to average assets | 2.6849% | 5,077 |
| Loan and lease loss provision to assets | 0.3383% | 3,295 |
| Net operating income to assets | 0.3840% | 4,927 |
| Return on assets (ROA) | 0.3858% | 5,098 |
| Pretax return on assets | 0.5400% | 4,949 |
| Return on Equity (ROE) | 4.9107% | 4,508 |
| Retained earnings to average equity (ytd only) | 4.9107% | 3,179 |
| Net charge-offs to loans | 0.2721% | 3,034 |
| Credit loss provision to net charge-offs | 170.6924% | 2,511 |
| Earnings coverage of net charge-offs (x) | 4.4187% | 2,890 |
| Efficiency ratio | 75.4056% | 3,585 |
| Assets per employee ($millions) | 6.0697% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 7,186 |
| Loan loss allowance to noncurrent loans | 46.2389% | 5,422 |
| Noncurrent assets plus other real estate owned to assets | 1.5643% | 3,585 |
| Noncurrent loans to loans | 1.7124% | 3,691 |
| Net loans and leases to total assets | 71.5422% | 3,339 |
| Net loans and leases to deposits | 108.1402% | 715 |
| Net loans and leases to core deposits | 129.7073% | 1,677 |
| Total domestic deposits to total assets | 66.1569% | 7,722 |
| Equity capital to assets | 7.6779% | 7,198 |
| Core capital (leverage) ratio | 9.7122% | 3,737 |
| Tier 1 risk-based capital ratio | 14.7762% | 3,168 |
| Total risk-based capital ratio | 15.6627% | 3,279 |
| Memoranda: | ||
| Average total assets | $1,253,395,500 | 563 |
| Average earning assets | $1,145,088,000 | 564 |
| Average equity | $98,479,000 | 683 |
| Average total loans | $912,847,000 | 553 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0728% | 5,188 |
| Cost of funding earning assets | 2.6902% | 3,206 |
| Net interest margin | 3.3826% | 5,728 |
| Noninterest income to average assets | 0.5622% | 4,138 |
| Noninterest expense to average assets | 2.8186% | 4,745 |
| Loan and lease loss provision to assets | 0.1663% | 5,255 |
| Net operating income to assets | 0.4801% | 4,828 |
| Return on assets (ROA) | 0.4763% | 4,663 |
| Pretax return on assets | 0.6766% | 4,462 |
| Return on Equity (ROE) | 5.3191% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.3191% | 1,848 |
| Net charge-offs to loans | 0.0629% | 5,874 |
| Credit loss provision to net charge-offs | 357.8292% | 1,245 |
| Earnings coverage of net charge-offs (x) | 18.2544% | 1,717 |
| Efficiency ratio | 76.8660% | 3,100 |
| Assets per employee ($millions) | 6.1608% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7544% | 7,265 |
| Loan loss allowance to noncurrent loans | 72.3245% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 1.0829% | 4,127 |
| Noncurrent loans to loans | 1.0431% | 4,494 |
| Net loans and leases to total assets | 73.0164% | 3,356 |
| Net loans and leases to deposits | 113.7792% | 618 |
| Net loans and leases to core deposits | 132.1521% | 1,709 |
| Total domestic deposits to total assets | 64.1737% | 7,783 |
| Equity capital to assets | 8.0423% | 6,790 |
| Core capital (leverage) ratio | 9.8421% | 3,598 |
| Tier 1 risk-based capital ratio | 15.2367% | 2,940 |
| Total risk-based capital ratio | 16.1008% | 3,038 |
| Memoranda: | ||
| Average total assets | $1,209,354,200 | 554 |
| Average earning assets | $1,110,006,800 | 554 |
| Average equity | $108,289,000 | 625 |
| Average total loans | $892,921,600 | 551 |