Home > First Florida Integrity Bank > Performance and Condition Ratios
First Florida Integrity Bank, Performance and Condition Ratios
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8268% | 4,265 |
| Cost of funding earning assets | 0.1897% | 3,718 |
| Net interest margin | 2.6371% | 4,080 |
| Noninterest income to average assets | 0.2356% | 3,988 |
| Noninterest expense to average assets | 1.3608% | 4,709 |
| Loan and lease loss provision to assets | 0.0004% | 2,959 |
| Net operating income to assets | 1.0315% | 2,798 |
| Return on assets (ROA) | 1.0429% | 2,820 |
| Pretax return on assets | 1.3466% | 2,495 |
| Return on Equity (ROE) | 12.9516% | 1,706 |
| Retained earnings to average equity (ytd only) | 12.9516% | 649 |
| Net charge-offs to loans | 0.0014% | 2,372 |
| Credit loss provision to net charge-offs | 50.0000% | 1,856 |
| Earnings coverage of net charge-offs (x) | 1,870.3333% | 75 |
| Efficiency ratio | 50.4122% | 4,185 |
| Assets per employee ($millions) | 16.8309% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6330% | 1,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 45.5845% | 3,823 |
| Net loans and leases to deposits | 53.2100% | 3,800 |
| Net loans and leases to core deposits | 54.1272% | 3,907 |
| Total domestic deposits to total assets | 85.6691% | 2,884 |
| Equity capital to assets | 7.9629% | 4,538 |
| Core capital (leverage) ratio | 7.8501% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3273% | 1,854 |
| Memoranda: | ||
| Average total assets | $2,245,760,250 | 480 |
| Average earning assets | $2,092,969,750 | 474 |
| Average equity | $180,842,750 | 608 |
| Average total loans | $1,154,354,000 | 587 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9444% | 4,151 |
| Cost of funding earning assets | 0.2133% | 3,621 |
| Net interest margin | 2.7311% | 3,919 |
| Noninterest income to average assets | 0.2417% | 3,953 |
| Noninterest expense to average assets | 1.4292% | 4,696 |
| Loan and lease loss provision to assets | 0.0003% | 2,859 |
| Net operating income to assets | 1.0397% | 2,760 |
| Return on assets (ROA) | 1.0397% | 2,835 |
| Pretax return on assets | 1.3419% | 2,511 |
| Return on Equity (ROE) | 12.8598% | 1,768 |
| Retained earnings to average equity (ytd only) | 12.8598% | 749 |
| Net charge-offs to loans | 0.0015% | 2,163 |
| Credit loss provision to net charge-offs | 33.3333% | 1,687 |
| Earnings coverage of net charge-offs (x) | 1,638.6667% | 72 |
| Efficiency ratio | 51.4596% | 4,102 |
| Assets per employee ($millions) | 15.5919% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.7656% | 3,753 |
| Net loans and leases to deposits | 55.7464% | 3,731 |
| Net loans and leases to core deposits | 56.8886% | 3,839 |
| Total domestic deposits to total assets | 85.6837% | 2,843 |
| Equity capital to assets | 7.9223% | 4,574 |
| Core capital (leverage) ratio | 7.7530% | 4,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8919% | 2,004 |
| Memoranda: | ||
| Average total assets | $2,197,686,333 | 482 |
| Average earning assets | $2,035,592,667 | 480 |
| Average equity | $177,686,000 | 614 |
| Average total loans | $1,169,956,000 | 588 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0727% | 3,942 |
| Cost of funding earning assets | 0.2620% | 3,362 |
| Net interest margin | 2.8107% | 3,733 |
| Noninterest income to average assets | 0.2186% | 4,081 |
| Noninterest expense to average assets | 1.4987% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0219% | 2,743 |
| Return on assets (ROA) | 1.0219% | 2,825 |
| Pretax return on assets | 1.3188% | 2,517 |
| Return on Equity (ROE) | 12.5017% | 1,833 |
| Retained earnings to average equity (ytd only) | 12.5017% | 1,027 |
| Net charge-offs to loans | 0.0020% | 1,849 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 1,173.1667% | 77 |
| Efficiency ratio | 53.0789% | 3,897 |
| Assets per employee ($millions) | 15.5618% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5319% | 1,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.1671% | 3,527 |
| Net loans and leases to deposits | 59.9658% | 3,486 |
| Net loans and leases to core deposits | 61.2995% | 3,623 |
| Total domestic deposits to total assets | 85.3271% | 2,986 |
| Equity capital to assets | 7.8166% | 4,586 |
| Core capital (leverage) ratio | 8.1288% | 4,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5363% | 2,069 |
| Memoranda: | ||
| Average total assets | $2,134,932,500 | 489 |
| Average earning assets | $1,974,029,500 | 490 |
| Average equity | $174,504,000 | 616 |
| Average total loans | $1,191,047,500 | 577 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7323% | 3,488 |
| Cost of funding earning assets | 0.5086% | 2,896 |
| Net interest margin | 3.2237% | 3,291 |
| Noninterest income to average assets | 0.2250% | 4,151 |
| Noninterest expense to average assets | 1.6547% | 4,659 |
| Loan and lease loss provision to assets | 0.4894% | 522 |
| Net operating income to assets | 0.9091% | 2,654 |
| Return on assets (ROA) | 0.9091% | 2,789 |
| Pretax return on assets | 1.0467% | 2,893 |
| Return on Equity (ROE) | 10.3312% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.3312% | 525 |
| Net charge-offs to loans | 0.0392% | 2,269 |
| Credit loss provision to net charge-offs | 1,882.2650% | 463 |
| Earnings coverage of net charge-offs (x) | 59.0812% | 1,078 |
| Efficiency ratio | 51.7333% | 4,402 |
| Assets per employee ($millions) | 13.5908% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5058% | 1,563 |
| Loan loss allowance to noncurrent loans | 36,184.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,461 |
| Noncurrent loans to loans | 0.0042% | 4,389 |
| Net loans and leases to total assets | 59.2333% | 2,958 |
| Net loans and leases to deposits | 70.3296% | 2,848 |
| Net loans and leases to core deposits | 72.4137% | 3,039 |
| Total domestic deposits to total assets | 84.2224% | 3,046 |
| Equity capital to assets | 8.5799% | 4,390 |
| Core capital (leverage) ratio | 8.7116% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0131% | 2,230 |
| Memoranda: | ||
| Average total assets | $1,800,002,200 | 529 |
| Average earning assets | $1,656,010,000 | 527 |
| Average equity | $158,384,000 | 644 |
| Average total loans | $1,193,881,600 | 550 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8708% | 3,353 |
| Cost of funding earning assets | 0.5709% | 2,797 |
| Net interest margin | 3.2999% | 3,192 |
| Noninterest income to average assets | 0.2265% | 4,139 |
| Noninterest expense to average assets | 1.7481% | 4,569 |
| Loan and lease loss provision to assets | 0.6709% | 338 |
| Net operating income to assets | 0.7894% | 3,129 |
| Return on assets (ROA) | 0.7894% | 3,250 |
| Pretax return on assets | 0.8409% | 3,543 |
| Return on Equity (ROE) | 8.9086% | 2,431 |
| Retained earnings to average equity (ytd only) | 8.9086% | 1,007 |
| Net charge-offs to loans | 0.0518% | 1,863 |
| Credit loss provision to net charge-offs | 1,902.5918% | 498 |
| Earnings coverage of net charge-offs (x) | 42.8726% | 1,308 |
| Efficiency ratio | 53.4988% | 4,203 |
| Assets per employee ($millions) | 13.2029% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4530% | 1,522 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,213 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.5572% | 2,694 |
| Net loans and leases to deposits | 77.4721% | 2,591 |
| Net loans and leases to core deposits | 79.9530% | 2,847 |
| Total domestic deposits to total assets | 83.3295% | 3,047 |
| Equity capital to assets | 8.7059% | 4,325 |
| Core capital (leverage) ratio | 8.5834% | 4,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9846% | 2,211 |
| Memoranda: | ||
| Average total assets | $1,750,542,250 | 533 |
| Average earning assets | $1,609,158,000 | 532 |
| Average equity | $155,127,000 | 647 |
| Average total loans | $1,191,982,000 | 541 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 3,302 |
| Cost of funding earning assets | 0.6525% | 2,680 |
| Net interest margin | 3.3555% | 3,234 |
| Noninterest income to average assets | 0.2201% | 4,176 |
| Noninterest expense to average assets | 1.8361% | 4,506 |
| Loan and lease loss provision to assets | 1.0362% | 190 |
| Net operating income to assets | 0.5550% | 3,871 |
| Return on assets (ROA) | 0.5550% | 3,953 |
| Pretax return on assets | 0.4358% | 4,359 |
| Return on Equity (ROE) | 6.2217% | 3,432 |
| Retained earnings to average equity (ytd only) | 6.2217% | 1,975 |
| Net charge-offs to loans | 0.0688% | 1,558 |
| Credit loss provision to net charge-offs | 2,180.4455% | 450 |
| Earnings coverage of net charge-offs (x) | 30.9752% | 1,407 |
| Efficiency ratio | 55.3797% | 4,019 |
| Assets per employee ($millions) | 12.9550% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4326% | 1,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0462% | 4,302 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 66.4974% | 2,558 |
| Net loans and leases to deposits | 79.3273% | 2,508 |
| Net loans and leases to core deposits | 82.1077% | 2,768 |
| Total domestic deposits to total assets | 83.8267% | 2,807 |
| Equity capital to assets | 8.4800% | 4,489 |
| Core capital (leverage) ratio | 8.7914% | 4,123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6465% | 2,340 |
| Memoranda: | ||
| Average total assets | $1,700,316,667 | 537 |
| Average earning assets | $1,564,788,667 | 531 |
| Average equity | $151,663,000 | 656 |
| Average total loans | $1,174,152,667 | 539 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2793% | 2,989 |
| Cost of funding earning assets | 0.8833% | 1,955 |
| Net interest margin | 3.3960% | 3,305 |
| Noninterest income to average assets | 0.2453% | 4,089 |
| Noninterest expense to average assets | 1.9677% | 4,459 |
| Loan and lease loss provision to assets | 0.3848% | 794 |
| Net operating income to assets | 1.1713% | 1,616 |
| Return on assets (ROA) | 1.1713% | 1,732 |
| Pretax return on assets | 1.0099% | 2,813 |
| Return on Equity (ROE) | 12.7645% | 921 |
| Retained earnings to average equity (ytd only) | 12.7645% | 344 |
| Net charge-offs to loans | 0.1426% | 885 |
| Credit loss provision to net charge-offs | 385.5721% | 1,032 |
| Earnings coverage of net charge-offs (x) | 13.9751% | 1,623 |
| Efficiency ratio | 58.3875% | 3,952 |
| Assets per employee ($millions) | 11.2779% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,837 |
| Loan loss allowance to noncurrent loans | 8,074.0741% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0609% | 4,290 |
| Noncurrent loans to loans | 0.0120% | 4,524 |
| Net loans and leases to total assets | 67.4531% | 2,626 |
| Net loans and leases to deposits | 82.6579% | 2,363 |
| Net loans and leases to core deposits | 86.6091% | 2,633 |
| Total domestic deposits to total assets | 81.6052% | 3,521 |
| Equity capital to assets | 9.0829% | 4,548 |
| Core capital (leverage) ratio | 8.8017% | 4,599 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1736% | 3,051 |
| Memoranda: | ||
| Average total assets | $1,611,237,500 | 543 |
| Average earning assets | $1,478,927,500 | 535 |
| Average equity | $147,847,500 | 666 |
| Average total loans | $1,127,583,000 | 539 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5826% | 2,677 |
| Cost of funding earning assets | 1.0627% | 1,461 |
| Net interest margin | 3.5199% | 3,385 |
| Noninterest income to average assets | 0.2630% | 4,103 |
| Noninterest expense to average assets | 2.0971% | 4,375 |
| Loan and lease loss provision to assets | 0.0133% | 3,749 |
| Net operating income to assets | 1.0720% | 2,562 |
| Return on assets (ROA) | 1.0816% | 2,615 |
| Pretax return on assets | 1.4121% | 2,112 |
| Return on Equity (ROE) | 11.9056% | 1,550 |
| Retained earnings to average equity (ytd only) | 11.6128% | 273 |
| Net charge-offs to loans | 0.0031% | 3,574 |
| Credit loss provision to net charge-offs | 588.2353% | 525 |
| Earnings coverage of net charge-offs (x) | 625.1765% | 159 |
| Efficiency ratio | 59.6007% | 3,752 |
| Assets per employee ($millions) | 10.7938% | 310 |
| Cash dividends to net income (ytd only)* | 2.4588% | 3,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8602% | 4,125 |
| Loan loss allowance to noncurrent loans | 4,472.9358% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 4,597 |
| Noncurrent loans to loans | 0.0192% | 4,495 |
| Net loans and leases to total assets | 71.3147% | 2,206 |
| Net loans and leases to deposits | 87.2712% | 1,939 |
| Net loans and leases to core deposits | 91.6148% | 2,264 |
| Total domestic deposits to total assets | 81.7162% | 3,583 |
| Equity capital to assets | 9.2733% | 4,510 |
| Core capital (leverage) ratio | 9.3000% | 4,278 |
| Tier 1 risk-based capital ratio | 11.2834% | 4,743 |
| Total risk-based capital ratio | 12.0655% | 4,829 |
| Memoranda: | ||
| Average total assets | $1,504,103,600 | 550 |
| Average earning assets | $1,387,584,200 | 547 |
| Average equity | $136,642,000 | 679 |
| Average total loans | $1,113,672,200 | 521 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 2,625 |
| Cost of funding earning assets | 1.1031% | 1,340 |
| Net interest margin | 3.5288% | 3,478 |
| Noninterest income to average assets | 0.2621% | 4,174 |
| Noninterest expense to average assets | 2.1115% | 4,340 |
| Loan and lease loss provision to assets | 0.0179% | 3,550 |
| Net operating income to assets | 1.0682% | 2,698 |
| Return on assets (ROA) | 1.0812% | 2,741 |
| Pretax return on assets | 1.4054% | 2,290 |
| Return on Equity (ROE) | 11.9668% | 1,633 |
| Retained earnings to average equity (ytd only) | 11.5696% | 439 |
| Net charge-offs to loans | 0.0044% | 3,245 |
| Credit loss provision to net charge-offs | 540.5405% | 591 |
| Earnings coverage of net charge-offs (x) | 423.8559% | 236 |
| Efficiency ratio | 59.8705% | 3,674 |
| Assets per employee ($millions) | 10.4463% | 310 |
| Cash dividends to net income (ytd only)* | 3.3192% | 3,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8608% | 4,197 |
| Loan loss allowance to noncurrent loans | 4,801.9704% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 4,689 |
| Noncurrent loans to loans | 0.0179% | 4,596 |
| Net loans and leases to total assets | 73.6075% | 1,897 |
| Net loans and leases to deposits | 90.3421% | 1,657 |
| Net loans and leases to core deposits | 95.3307% | 2,049 |
| Total domestic deposits to total assets | 81.4764% | 3,621 |
| Equity capital to assets | 9.2871% | 4,602 |
| Core capital (leverage) ratio | 9.2500% | 4,427 |
| Tier 1 risk-based capital ratio | 10.9571% | 4,930 |
| Total risk-based capital ratio | 11.7403% | 5,006 |
| Memoranda: | ||
| Average total assets | $1,486,154,500 | 557 |
| Average earning assets | $1,371,404,500 | 555 |
| Average equity | $134,268,000 | 684 |
| Average total loans | $1,108,690,250 | 524 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6254% | 2,594 |
| Cost of funding earning assets | 1.0843% | 1,361 |
| Net interest margin | 3.5412% | 3,463 |
| Noninterest income to average assets | 0.2620% | 4,185 |
| Noninterest expense to average assets | 2.1594% | 4,313 |
| Loan and lease loss provision to assets | 0.0167% | 3,454 |
| Net operating income to assets | 1.0431% | 2,758 |
| Return on assets (ROA) | 1.0431% | 2,829 |
| Pretax return on assets | 1.3617% | 2,339 |
| Return on Equity (ROE) | 11.6577% | 1,711 |
| Retained earnings to average equity (ytd only) | 11.6577% | 450 |
| Net charge-offs to loans | -0.0073% | 4,230 |
| Credit loss provision to net charge-offs | -307.5000% | 4,046 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8964% | 3,596 |
| Assets per employee ($millions) | 10.0393% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 4,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 74.2762% | 1,841 |
| Net loans and leases to deposits | 90.9588% | 1,635 |
| Net loans and leases to core deposits | 96.0800% | 2,062 |
| Total domestic deposits to total assets | 81.6591% | 3,615 |
| Equity capital to assets | 9.3166% | 4,561 |
| Core capital (leverage) ratio | 8.9473% | 4,674 |
| Tier 1 risk-based capital ratio | 10.8676% | 4,970 |
| Total risk-based capital ratio | 11.6684% | 5,050 |
| Memoranda: | ||
| Average total assets | $1,473,154,330 | 562 |
| Average earning assets | $1,362,774,670 | 555 |
| Average equity | $131,809,670 | 689 |
| Average total loans | $1,100,795,000 | 524 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5535% | 2,682 |
| Cost of funding earning assets | 1.0182% | 1,488 |
| Net interest margin | 3.5353% | 3,481 |
| Noninterest income to average assets | 0.2519% | 4,208 |
| Noninterest expense to average assets | 2.1861% | 4,289 |
| Loan and lease loss provision to assets | 0.0408% | 2,811 |
| Net operating income to assets | 0.9977% | 2,850 |
| Return on assets (ROA) | 0.9977% | 2,889 |
| Pretax return on assets | 1.3004% | 2,452 |
| Return on Equity (ROE) | 11.3858% | 1,786 |
| Retained earnings to average equity (ytd only) | 11.3858% | 727 |
| Net charge-offs to loans | -0.0066% | 4,094 |
| Credit loss provision to net charge-offs | -833.3333% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8306% | 3,560 |
| Assets per employee ($millions) | 10.0434% | 338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 4,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.7781% | 1,850 |
| Net loans and leases to deposits | 89.8188% | 1,656 |
| Net loans and leases to core deposits | 94.5692% | 2,074 |
| Total domestic deposits to total assets | 82.1411% | 3,686 |
| Equity capital to assets | 8.8455% | 4,786 |
| Core capital (leverage) ratio | 8.8884% | 4,729 |
| Tier 1 risk-based capital ratio | 10.5748% | 5,159 |
| Total risk-based capital ratio | 11.3793% | 5,209 |
| Memoranda: | ||
| Average total assets | $1,471,841,500 | 563 |
| Average earning assets | $1,363,610,500 | 557 |
| Average equity | $128,968,000 | 706 |
| Average total loans | $1,098,242,000 | 530 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1940% | 3,457 |
| Cost of funding earning assets | 0.7722% | 1,677 |
| Net interest margin | 3.4218% | 3,935 |
| Noninterest income to average assets | 0.2821% | 4,211 |
| Noninterest expense to average assets | 2.1225% | 4,513 |
| Loan and lease loss provision to assets | 0.0090% | 3,943 |
| Net operating income to assets | 1.0276% | 2,898 |
| Return on assets (ROA) | 1.0276% | 2,881 |
| Pretax return on assets | 1.3089% | 2,465 |
| Return on Equity (ROE) | 12.0061% | 1,711 |
| Retained earnings to average equity (ytd only) | 12.0061% | 321 |
| Net charge-offs to loans | -0.0104% | 4,502 |
| Credit loss provision to net charge-offs | -117.9245% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5320% | 3,618 |
| Assets per employee ($millions) | 9.9133% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8793% | 4,249 |
| Loan loss allowance to noncurrent loans | 2,420.4545% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0272% | 4,727 |
| Noncurrent loans to loans | 0.0363% | 4,606 |
| Net loans and leases to total assets | 74.1454% | 1,916 |
| Net loans and leases to deposits | 90.2914% | 1,757 |
| Net loans and leases to core deposits | 94.2945% | 2,204 |
| Total domestic deposits to total assets | 82.1179% | 3,613 |
| Equity capital to assets | 8.6775% | 4,820 |
| Core capital (leverage) ratio | 8.9923% | 4,663 |
| Tier 1 risk-based capital ratio | 10.4683% | 5,192 |
| Total risk-based capital ratio | 11.2746% | 5,250 |
| Memoranda: | ||
| Average total assets | $1,391,080,400 | 573 |
| Average earning assets | $1,283,936,600 | 565 |
| Average equity | $119,064,200 | 724 |
| Average total loans | $1,015,538,000 | 551 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 3,496 |
| Cost of funding earning assets | 0.7241% | 1,725 |
| Net interest margin | 3.4151% | 3,959 |
| Noninterest income to average assets | 0.2849% | 4,249 |
| Noninterest expense to average assets | 2.1395% | 4,455 |
| Loan and lease loss provision to assets | 0.0121% | 3,758 |
| Net operating income to assets | 0.9889% | 3,133 |
| Return on assets (ROA) | 0.9889% | 3,142 |
| Pretax return on assets | 1.2766% | 2,700 |
| Return on Equity (ROE) | 11.5965% | 1,958 |
| Retained earnings to average equity (ytd only) | 11.5965% | 536 |
| Net charge-offs to loans | 0.0053% | 3,244 |
| Credit loss provision to net charge-offs | 312.5000% | 989 |
| Earnings coverage of net charge-offs (x) | 332.1624% | 284 |
| Efficiency ratio | 62.2443% | 3,469 |
| Assets per employee ($millions) | 9.3200% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 4,182 |
| Loan loss allowance to noncurrent loans | 1,434.6505% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 4,733 |
| Noncurrent loans to loans | 0.0641% | 4,595 |
| Net loans and leases to total assets | 74.1844% | 1,949 |
| Net loans and leases to deposits | 89.7888% | 1,930 |
| Net loans and leases to core deposits | 93.9987% | 2,288 |
| Total domestic deposits to total assets | 82.6210% | 3,426 |
| Equity capital to assets | 8.8718% | 4,665 |
| Core capital (leverage) ratio | 8.8800% | 4,821 |
| Tier 1 risk-based capital ratio | 10.8472% | 5,102 |
| Total risk-based capital ratio | 11.6991% | 5,168 |
| Memoranda: | ||
| Average total assets | $1,374,535,250 | 575 |
| Average earning assets | $1,265,159,000 | 574 |
| Average equity | $117,216,750 | 727 |
| Average total loans | $996,903,250 | 560 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,678 |
| Cost of funding earning assets | 0.7013% | 1,613 |
| Net interest margin | 3.3304% | 4,157 |
| Noninterest income to average assets | 0.2785% | 4,325 |
| Noninterest expense to average assets | 2.1418% | 4,505 |
| Loan and lease loss provision to assets | 0.0182% | 3,536 |
| Net operating income to assets | 0.9269% | 3,335 |
| Return on assets (ROA) | 0.9269% | 3,339 |
| Pretax return on assets | 1.1881% | 2,979 |
| Return on Equity (ROE) | 11.0164% | 2,107 |
| Retained earnings to average equity (ytd only) | 11.0164% | 669 |
| Net charge-offs to loans | -0.0111% | 4,350 |
| Credit loss provision to net charge-offs | -227.2727% | 4,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8072% | 3,339 |
| Assets per employee ($millions) | 9.1956% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,140 |
| Loan loss allowance to noncurrent loans | 1,404.2710% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 4,777 |
| Noncurrent loans to loans | 0.0673% | 4,621 |
| Net loans and leases to total assets | 74.4359% | 1,874 |
| Net loans and leases to deposits | 89.0843% | 1,963 |
| Net loans and leases to core deposits | 93.0764% | 2,302 |
| Total domestic deposits to total assets | 83.5567% | 3,233 |
| Equity capital to assets | 8.8109% | 4,709 |
| Core capital (leverage) ratio | 8.6118% | 5,030 |
| Tier 1 risk-based capital ratio | 10.7301% | 5,180 |
| Total risk-based capital ratio | 11.6099% | 5,234 |
| Memoranda: | ||
| Average total assets | $1,376,033,000 | 574 |
| Average earning assets | $1,268,243,330 | 571 |
| Average equity | $115,773,000 | 735 |
| Average total loans | $987,272,000 | 566 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 3,895 |
| Cost of funding earning assets | 0.7003% | 1,443 |
| Net interest margin | 3.2118% | 4,420 |
| Noninterest income to average assets | 0.2671% | 4,393 |
| Noninterest expense to average assets | 2.1408% | 4,553 |
| Loan and lease loss provision to assets | 0.0215% | 3,253 |
| Net operating income to assets | 0.8515% | 3,496 |
| Return on assets (ROA) | 0.8515% | 3,512 |
| Pretax return on assets | 1.0712% | 3,274 |
| Return on Equity (ROE) | 10.3569% | 2,248 |
| Retained earnings to average equity (ytd only) | 10.3569% | 1,051 |
| Net charge-offs to loans | -0.0098% | 4,240 |
| Credit loss provision to net charge-offs | -312.5000% | 3,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0361% | 3,146 |
| Assets per employee ($millions) | 9.8868% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 4,173 |
| Loan loss allowance to noncurrent loans | 1,368.1621% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 4,855 |
| Noncurrent loans to loans | 0.0702% | 4,666 |
| Net loans and leases to total assets | 68.4957% | 2,697 |
| Net loans and leases to deposits | 82.0235% | 2,592 |
| Net loans and leases to core deposits | 92.9194% | 2,219 |
| Total domestic deposits to total assets | 83.5074% | 3,500 |
| Equity capital to assets | 8.0894% | 5,233 |
| Core capital (leverage) ratio | 8.1808% | 5,324 |
| Tier 1 risk-based capital ratio | 10.7166% | 5,275 |
| Total risk-based capital ratio | 11.6148% | 5,316 |
| Memoranda: | ||
| Average total assets | $1,392,769,000 | 575 |
| Average earning assets | $1,286,383,500 | 567 |
| Average equity | $114,513,500 | 744 |
| Average total loans | $976,467,000 | 573 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 3,768 |
| Cost of funding earning assets | 0.5785% | 1,755 |
| Net interest margin | 3.3091% | 4,131 |
| Noninterest income to average assets | 0.3332% | 4,084 |
| Noninterest expense to average assets | 2.3091% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6192% | 3,932 |
| Return on assets (ROA) | 0.5995% | 4,054 |
| Pretax return on assets | 1.0406% | 3,415 |
| Return on Equity (ROE) | 6.9423% | 3,309 |
| Retained earnings to average equity (ytd only) | 6.4421% | 1,306 |
| Net charge-offs to loans | -0.0194% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0937% | 2,880 |
| Assets per employee ($millions) | 9.7974% | 342 |
| Cash dividends to net income (ytd only)* | 7.2046% | 3,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 4,125 |
| Loan loss allowance to noncurrent loans | 926.2376% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 4,749 |
| Noncurrent loans to loans | 0.1043% | 4,520 |
| Net loans and leases to total assets | 70.4160% | 2,462 |
| Net loans and leases to deposits | 84.8809% | 2,388 |
| Net loans and leases to core deposits | 96.8383% | 1,954 |
| Total domestic deposits to total assets | 82.9587% | 3,576 |
| Equity capital to assets | 8.3606% | 5,222 |
| Core capital (leverage) ratio | 8.4664% | 5,169 |
| Tier 1 risk-based capital ratio | 10.7681% | 5,265 |
| Total risk-based capital ratio | 11.6846% | 5,303 |
| Memoranda: | ||
| Average total assets | $1,273,468,400 | 600 |
| Average earning assets | $1,172,758,200 | 599 |
| Average equity | $109,963,800 | 745 |
| Average total loans | $931,519,400 | 569 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9089% | 3,659 |
| Cost of funding earning assets | 0.5622% | 1,793 |
| Net interest margin | 3.3468% | 4,026 |
| Noninterest income to average assets | 0.2474% | 4,725 |
| Noninterest expense to average assets | 2.3758% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6233% | 4,302 |
| Return on assets (ROA) | 0.6233% | 4,352 |
| Pretax return on assets | 0.9538% | 3,852 |
| Return on Equity (ROE) | 7.1564% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.4836% | 1,967 |
| Net charge-offs to loans | -0.0322% | 5,022 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1264% | 2,347 |
| Assets per employee ($millions) | 9.0409% | 434 |
| Cash dividends to net income (ytd only)* | 9.4018% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0038% | 4,031 |
| Loan loss allowance to noncurrent loans | 917.6758% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,829 |
| Noncurrent loans to loans | 0.1094% | 4,618 |
| Net loans and leases to total assets | 73.7427% | 1,955 |
| Net loans and leases to deposits | 92.5991% | 1,482 |
| Net loans and leases to core deposits | 104.3759% | 1,361 |
| Total domestic deposits to total assets | 79.6365% | 4,410 |
| Equity capital to assets | 8.9445% | 4,960 |
| Core capital (leverage) ratio | 8.6015% | 5,162 |
| Tier 1 risk-based capital ratio | 11.0100% | 5,241 |
| Total risk-based capital ratio | 11.9746% | 5,288 |
| Memoranda: | ||
| Average total assets | $1,251,375,000 | 608 |
| Average earning assets | $1,152,440,750 | 609 |
| Average equity | $108,990,250 | 753 |
| Average total loans | $922,321,750 | 577 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8135% | 3,846 |
| Cost of funding earning assets | 0.5370% | 1,862 |
| Net interest margin | 3.2764% | 4,188 |
| Noninterest income to average assets | 0.2492% | 4,750 |
| Noninterest expense to average assets | 2.3662% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5807% | 4,385 |
| Return on assets (ROA) | 0.5807% | 4,441 |
| Pretax return on assets | 0.9041% | 3,920 |
| Return on Equity (ROE) | 6.7277% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.2178% | 2,006 |
| Net charge-offs to loans | -0.0087% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1088% | 2,318 |
| Assets per employee ($millions) | 8.7469% | 458 |
| Cash dividends to net income (ytd only)* | 7.5799% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 4,128 |
| Loan loss allowance to noncurrent loans | 888.5246% | 631 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 4,867 |
| Noncurrent loans to loans | 0.1129% | 4,671 |
| Net loans and leases to total assets | 72.2117% | 2,168 |
| Net loans and leases to deposits | 91.9887% | 1,497 |
| Net loans and leases to core deposits | 103.8931% | 1,358 |
| Total domestic deposits to total assets | 78.5006% | 4,730 |
| Equity capital to assets | 8.7837% | 5,076 |
| Core capital (leverage) ratio | 8.3160% | 5,342 |
| Tier 1 risk-based capital ratio | 11.0737% | 5,211 |
| Total risk-based capital ratio | 12.0448% | 5,270 |
| Memoranda: | ||
| Average total assets | $1,249,605,000 | 612 |
| Average earning assets | $1,152,232,330 | 606 |
| Average equity | $107,852,330 | 762 |
| Average total loans | $917,725,670 | 583 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6680% | 4,213 |
| Cost of funding earning assets | 0.4946% | 2,131 |
| Net interest margin | 3.1733% | 4,425 |
| Noninterest income to average assets | 0.2500% | 4,745 |
| Noninterest expense to average assets | 2.3872% | 4,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5110% | 4,552 |
| Return on assets (ROA) | 0.5110% | 4,582 |
| Pretax return on assets | 0.7967% | 4,120 |
| Return on Equity (ROE) | 5.9740% | 3,921 |
| Retained earnings to average equity (ytd only) | 5.2226% | 2,773 |
| Net charge-offs to loans | -0.0048% | 4,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7249% | 2,107 |
| Assets per employee ($millions) | 8.9716% | 434 |
| Cash dividends to net income (ytd only)* | 12.5786% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9937% | 4,329 |
| Loan loss allowance to noncurrent loans | 590.2956% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 4,781 |
| Noncurrent loans to loans | 0.1683% | 4,515 |
| Net loans and leases to total assets | 70.8333% | 2,246 |
| Net loans and leases to deposits | 91.1533% | 1,413 |
| Net loans and leases to core deposits | 101.3386% | 1,417 |
| Total domestic deposits to total assets | 77.7079% | 5,008 |
| Equity capital to assets | 8.3206% | 5,345 |
| Core capital (leverage) ratio | 8.3273% | 5,362 |
| Tier 1 risk-based capital ratio | 10.7835% | 5,420 |
| Total risk-based capital ratio | 11.7481% | 5,465 |
| Memoranda: | ||
| Average total assets | $1,244,628,500 | 616 |
| Average earning assets | $1,150,717,000 | 614 |
| Average equity | $106,460,500 | 768 |
| Average total loans | $917,207,500 | 587 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5204% | 4,732 |
| Cost of funding earning assets | 0.4630% | 2,417 |
| Net interest margin | 3.0574% | 4,828 |
| Noninterest income to average assets | 0.2486% | 4,938 |
| Noninterest expense to average assets | 2.2120% | 4,750 |
| Loan and lease loss provision to assets | 0.0806% | 2,748 |
| Net operating income to assets | 0.5004% | 4,636 |
| Return on assets (ROA) | 0.5008% | 4,706 |
| Pretax return on assets | 0.7842% | 4,232 |
| Return on Equity (ROE) | 5.7966% | 4,076 |
| Retained earnings to average equity (ytd only) | 5.3645% | 2,093 |
| Net charge-offs to loans | 0.0641% | 2,779 |
| Credit loss provision to net charge-offs | 175.1351% | 1,587 |
| Earnings coverage of net charge-offs (x) | 18.7730% | 1,947 |
| Efficiency ratio | 71.6320% | 2,643 |
| Assets per employee ($millions) | 8.1452% | 571 |
| Cash dividends to net income (ytd only)* | 7.4540% | 4,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0080% | 4,268 |
| Loan loss allowance to noncurrent loans | 565.2495% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1356% | 4,766 |
| Noncurrent loans to loans | 0.1783% | 4,520 |
| Net loans and leases to total assets | 75.2458% | 1,646 |
| Net loans and leases to deposits | 97.8418% | 836 |
| Net loans and leases to core deposits | 109.9498% | 901 |
| Total domestic deposits to total assets | 76.9056% | 5,127 |
| Equity capital to assets | 8.8050% | 5,005 |
| Core capital (leverage) ratio | 8.2942% | 5,441 |
| Tier 1 risk-based capital ratio | 10.8225% | 5,419 |
| Total risk-based capital ratio | 11.8058% | 5,479 |
| Memoranda: | ||
| Average total assets | $1,205,496,400 | 611 |
| Average earning assets | $1,114,892,000 | 602 |
| Average equity | $104,147,600 | 761 |
| Average total loans | $865,615,600 | 586 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 4,891 |
| Cost of funding earning assets | 0.4600% | 2,460 |
| Net interest margin | 3.0114% | 4,995 |
| Noninterest income to average assets | 0.2564% | 4,927 |
| Noninterest expense to average assets | 2.2016% | 4,767 |
| Loan and lease loss provision to assets | 0.0796% | 2,624 |
| Net operating income to assets | 0.4857% | 4,745 |
| Return on assets (ROA) | 0.4862% | 4,836 |
| Pretax return on assets | 0.7568% | 4,449 |
| Return on Equity (ROE) | 5.6541% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.6541% | 2,399 |
| Net charge-offs to loans | 0.0390% | 2,852 |
| Credit loss provision to net charge-offs | 288.4000% | 1,068 |
| Earnings coverage of net charge-offs (x) | 30.2715% | 1,480 |
| Efficiency ratio | 72.2107% | 2,548 |
| Assets per employee ($millions) | 8.3462% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 4,317 |
| Loan loss allowance to noncurrent loans | 565.7879% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 4,902 |
| Noncurrent loans to loans | 0.1798% | 4,635 |
| Net loans and leases to total assets | 73.1990% | 1,994 |
| Net loans and leases to deposits | 89.9219% | 1,766 |
| Net loans and leases to core deposits | 99.7287% | 1,661 |
| Total domestic deposits to total assets | 81.4029% | 4,135 |
| Equity capital to assets | 8.7118% | 5,387 |
| Core capital (leverage) ratio | 7.8945% | 5,725 |
| Tier 1 risk-based capital ratio | 10.5239% | 5,609 |
| Total risk-based capital ratio | 11.5013% | 5,654 |
| Memoranda: | ||
| Average total assets | $1,207,534,500 | 610 |
| Average earning assets | $1,115,082,250 | 600 |
| Average equity | $103,828,000 | 764 |
| Average total loans | $854,488,250 | 587 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4248% | 5,031 |
| Cost of funding earning assets | 0.4345% | 2,698 |
| Net interest margin | 2.9903% | 5,103 |
| Noninterest income to average assets | 0.2613% | 4,915 |
| Noninterest expense to average assets | 2.2267% | 4,783 |
| Loan and lease loss provision to assets | 0.0651% | 2,842 |
| Net operating income to assets | 0.4707% | 4,798 |
| Return on assets (ROA) | 0.4714% | 4,888 |
| Pretax return on assets | 0.7357% | 4,510 |
| Return on Equity (ROE) | 5.5073% | 4,287 |
| Retained earnings to average equity (ytd only) | 5.5073% | 2,417 |
| Net charge-offs to loans | 0.0220% | 3,054 |
| Credit loss provision to net charge-offs | 425.0000% | 747 |
| Earnings coverage of net charge-offs (x) | 52.1957% | 969 |
| Efficiency ratio | 73.2970% | 2,469 |
| Assets per employee ($millions) | 8.7581% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0355% | 4,314 |
| Loan loss allowance to noncurrent loans | 496.7636% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1445% | 4,933 |
| Noncurrent loans to loans | 0.2084% | 4,610 |
| Net loans and leases to total assets | 68.6292% | 2,689 |
| Net loans and leases to deposits | 85.7468% | 2,278 |
| Net loans and leases to core deposits | 94.9580% | 2,069 |
| Total domestic deposits to total assets | 80.0371% | 4,531 |
| Equity capital to assets | 8.3180% | 5,687 |
| Core capital (leverage) ratio | 8.2985% | 5,538 |
| Tier 1 risk-based capital ratio | 10.6529% | 5,604 |
| Total risk-based capital ratio | 11.6478% | 5,638 |
| Memoranda: | ||
| Average total assets | $1,201,081,330 | 610 |
| Average earning assets | $1,110,605,000 | 602 |
| Average equity | $102,809,330 | 773 |
| Average total loans | $836,883,670 | 591 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5224% | 4,839 |
| Cost of funding earning assets | 0.4338% | 2,737 |
| Net interest margin | 3.0886% | 4,896 |
| Noninterest income to average assets | 0.2261% | 5,122 |
| Noninterest expense to average assets | 2.3282% | 4,580 |
| Loan and lease loss provision to assets | 0.0478% | 2,961 |
| Net operating income to assets | 0.4531% | 4,820 |
| Return on assets (ROA) | 0.4546% | 4,893 |
| Pretax return on assets | 0.7125% | 4,485 |
| Return on Equity (ROE) | 5.2318% | 4,374 |
| Retained earnings to average equity (ytd only) | 5.2318% | 2,798 |
| Net charge-offs to loans | -0.0024% | 4,142 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,940 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1522% | 2,304 |
| Assets per employee ($millions) | 8.2083% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 4,175 |
| Loan loss allowance to noncurrent loans | 453.9521% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 0.1671% | 4,900 |
| Noncurrent loans to loans | 0.2376% | 4,582 |
| Net loans and leases to total assets | 69.5541% | 2,415 |
| Net loans and leases to deposits | 88.8079% | 1,722 |
| Net loans and leases to core deposits | 98.5486% | 1,597 |
| Total domestic deposits to total assets | 78.3197% | 5,083 |
| Equity capital to assets | 8.7683% | 5,368 |
| Core capital (leverage) ratio | 8.1506% | 5,685 |
| Tier 1 risk-based capital ratio | 11.0380% | 5,482 |
| Total risk-based capital ratio | 12.0746% | 5,501 |
| Memoranda: | ||
| Average total assets | $1,171,038,500 | 621 |
| Average earning assets | $1,084,389,500 | 614 |
| Average equity | $101,762,000 | 784 |
| Average total loans | $818,033,000 | 604 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3658% | 5,231 |
| Cost of funding earning assets | 0.4224% | 2,916 |
| Net interest margin | 2.9435% | 5,264 |
| Noninterest income to average assets | 0.2447% | 5,129 |
| Noninterest expense to average assets | 2.1449% | 5,162 |
| Loan and lease loss provision to assets | 0.0972% | 2,368 |
| Net operating income to assets | 0.4571% | 4,859 |
| Return on assets (ROA) | 0.4589% | 4,929 |
| Pretax return on assets | 0.7167% | 4,481 |
| Return on Equity (ROE) | 5.1509% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.1509% | 2,315 |
| Net charge-offs to loans | -0.0288% | 5,384 |
| Credit loss provision to net charge-offs | -516.9082% | 5,448 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2446% | 2,863 |
| Assets per employee ($millions) | 8.2858% | 499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0801% | 4,152 |
| Loan loss allowance to noncurrent loans | 276.8574% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.2707% | 4,508 |
| Noncurrent loans to loans | 0.3901% | 4,055 |
| Net loans and leases to total assets | 68.6464% | 2,600 |
| Net loans and leases to deposits | 89.8255% | 1,634 |
| Net loans and leases to core deposits | 99.3594% | 1,564 |
| Total domestic deposits to total assets | 76.4220% | 5,398 |
| Equity capital to assets | 8.6111% | 5,456 |
| Core capital (leverage) ratio | 8.0810% | 5,788 |
| Tier 1 risk-based capital ratio | 11.0351% | 5,509 |
| Total risk-based capital ratio | 12.0754% | 5,518 |
| Memoranda: | ||
| Average total assets | $1,100,384,200 | 639 |
| Average earning assets | $1,013,567,400 | 633 |
| Average equity | $98,040,600 | 785 |
| Average total loans | $718,006,200 | 645 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3425% | 5,338 |
| Cost of funding earning assets | 0.4251% | 2,959 |
| Net interest margin | 2.9174% | 5,377 |
| Noninterest income to average assets | 0.2475% | 5,160 |
| Noninterest expense to average assets | 2.1786% | 5,103 |
| Loan and lease loss provision to assets | 0.0652% | 2,881 |
| Net operating income to assets | 0.4361% | 5,024 |
| Return on assets (ROA) | 0.4379% | 5,113 |
| Pretax return on assets | 0.6819% | 4,742 |
| Return on Equity (ROE) | 4.8705% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.8705% | 3,009 |
| Net charge-offs to loans | -0.0413% | 5,480 |
| Credit loss provision to net charge-offs | -246.5116% | 5,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2116% | 2,517 |
| Assets per employee ($millions) | 8.3328% | 466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0948% | 4,254 |
| Loan loss allowance to noncurrent loans | 252.1459% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 0.2902% | 4,607 |
| Noncurrent loans to loans | 0.4342% | 4,049 |
| Net loans and leases to total assets | 64.6158% | 3,210 |
| Net loans and leases to deposits | 82.9874% | 2,528 |
| Net loans and leases to core deposits | 88.8710% | 2,573 |
| Total domestic deposits to total assets | 77.8621% | 5,209 |
| Equity capital to assets | 8.7102% | 5,569 |
| Core capital (leverage) ratio | 8.0326% | 5,884 |
| Tier 1 risk-based capital ratio | 11.5660% | 5,338 |
| Total risk-based capital ratio | 12.6148% | 5,360 |
| Memoranda: | ||
| Average total assets | $1,083,406,500 | 651 |
| Average earning assets | $993,568,250 | 649 |
| Average equity | $97,400,000 | 792 |
| Average total loans | $694,820,250 | 666 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3136% | 5,413 |
| Cost of funding earning assets | 0.4159% | 3,085 |
| Net interest margin | 2.8978% | 5,447 |
| Noninterest income to average assets | 0.2529% | 5,141 |
| Noninterest expense to average assets | 2.2244% | 5,040 |
| Loan and lease loss provision to assets | 0.0498% | 3,121 |
| Net operating income to assets | 0.4062% | 5,116 |
| Return on assets (ROA) | 0.4090% | 5,217 |
| Pretax return on assets | 0.6410% | 4,858 |
| Return on Equity (ROE) | 4.4984% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.4984% | 3,155 |
| Net charge-offs to loans | -0.0402% | 5,450 |
| Credit loss provision to net charge-offs | -194.1176% | 5,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0893% | 2,341 |
| Assets per employee ($millions) | 8.5056% | 437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1060% | 4,291 |
| Loan loss allowance to noncurrent loans | 233.6199% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.2959% | 4,692 |
| Noncurrent loans to loans | 0.4734% | 4,057 |
| Net loans and leases to total assets | 60.4689% | 3,762 |
| Net loans and leases to deposits | 76.7223% | 3,188 |
| Net loans and leases to core deposits | 81.8494% | 3,194 |
| Total domestic deposits to total assets | 78.8152% | 5,135 |
| Equity capital to assets | 8.3955% | 5,763 |
| Core capital (leverage) ratio | 8.3803% | 5,651 |
| Tier 1 risk-based capital ratio | 12.0829% | 5,087 |
| Total risk-based capital ratio | 13.1613% | 5,112 |
| Memoranda: | ||
| Average total assets | $1,061,231,000 | 671 |
| Average earning assets | $973,373,000 | 662 |
| Average equity | $96,479,670 | 804 |
| Average total loans | $676,006,000 | 688 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3721% | 5,271 |
| Cost of funding earning assets | 0.4106% | 3,185 |
| Net interest margin | 2.9615% | 5,309 |
| Noninterest income to average assets | 0.2624% | 5,077 |
| Noninterest expense to average assets | 2.3210% | 4,826 |
| Loan and lease loss provision to assets | 0.0365% | 3,171 |
| Net operating income to assets | 0.3927% | 5,093 |
| Return on assets (ROA) | 0.3975% | 5,189 |
| Pretax return on assets | 0.6314% | 4,825 |
| Return on Equity (ROE) | 4.1877% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.1877% | 3,493 |
| Net charge-offs to loans | 0.0012% | 3,265 |
| Credit loss provision to net charge-offs | 4,600.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 833.0000% | 51 |
| Efficiency ratio | 77.5060% | 2,265 |
| Assets per employee ($millions) | 7.6751% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 4,304 |
| Loan loss allowance to noncurrent loans | 143.7524% | 2,884 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 3,948 |
| Noncurrent loans to loans | 0.7944% | 3,261 |
| Net loans and leases to total assets | 63.7155% | 3,130 |
| Net loans and leases to deposits | 81.7838% | 2,363 |
| Net loans and leases to core deposits | 87.8809% | 2,344 |
| Total domestic deposits to total assets | 77.9073% | 5,470 |
| Equity capital to assets | 9.4976% | 4,755 |
| Core capital (leverage) ratio | 8.6424% | 5,383 |
| Tier 1 risk-based capital ratio | 13.2431% | 4,466 |
| Total risk-based capital ratio | 14.4026% | 4,433 |
| Memoranda: | ||
| Average total assets | $1,009,213,500 | 688 |
| Average earning assets | $926,553,500 | 688 |
| Average equity | $95,804,500 | 807 |
| Average total loans | $657,757,500 | 712 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8142% | 4,447 |
| Cost of funding earning assets | 0.4425% | 3,244 |
| Net interest margin | 3.3717% | 4,319 |
| Noninterest income to average assets | 0.2955% | 5,006 |
| Noninterest expense to average assets | 2.7271% | 3,760 |
| Loan and lease loss provision to assets | 0.1982% | 1,284 |
| Net operating income to assets | 0.3959% | 5,238 |
| Return on assets (ROA) | 0.2342% | 5,754 |
| Pretax return on assets | 0.2536% | 5,785 |
| Return on Equity (ROE) | 2.3142% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.3142% | 4,582 |
| Net charge-offs to loans | 0.1383% | 2,639 |
| Credit loss provision to net charge-offs | 215.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 6.8088% | 3,137 |
| Efficiency ratio | 80.9879% | 1,770 |
| Assets per employee ($millions) | 7.7950% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 4,301 |
| Loan loss allowance to noncurrent loans | 139.0593% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5509% | 3,962 |
| Noncurrent loans to loans | 0.8242% | 3,254 |
| Net loans and leases to total assets | 65.1715% | 3,023 |
| Net loans and leases to deposits | 85.8252% | 2,008 |
| Net loans and leases to core deposits | 92.0340% | 2,080 |
| Total domestic deposits to total assets | 75.9351% | 5,741 |
| Equity capital to assets | 9.4882% | 4,737 |
| Core capital (leverage) ratio | 8.2606% | 5,811 |
| Tier 1 risk-based capital ratio | 12.0960% | 5,299 |
| Total risk-based capital ratio | 13.2476% | 5,268 |
| Memoranda: | ||
| Average total assets | $867,799,400 | 773 |
| Average earning assets | $787,410,000 | 774 |
| Average equity | $87,804,600 | 840 |
| Average total loans | $578,471,600 | 764 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 3,930 |
| Cost of funding earning assets | 0.4498% | 3,252 |
| Net interest margin | 3.5096% | 3,792 |
| Noninterest income to average assets | 0.2820% | 5,184 |
| Noninterest expense to average assets | 2.9198% | 3,052 |
| Loan and lease loss provision to assets | 0.1903% | 1,274 |
| Net operating income to assets | 0.3975% | 5,257 |
| Return on assets (ROA) | 0.2250% | 5,847 |
| Pretax return on assets | 0.1651% | 5,991 |
| Return on Equity (ROE) | 2.1837% | 5,795 |
| Retained earnings to average equity (ytd only) | 2.1837% | 4,966 |
| Net charge-offs to loans | 0.1919% | 1,930 |
| Credit loss provision to net charge-offs | 148.2630% | 1,599 |
| Earnings coverage of net charge-offs (x) | 4.1129% | 3,538 |
| Efficiency ratio | 84.4065% | 1,346 |
| Assets per employee ($millions) | 6.7652% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1373% | 4,573 |
| Loan loss allowance to noncurrent loans | 90.2468% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 3,129 |
| Noncurrent loans to loans | 1.2602% | 2,536 |
| Net loans and leases to total assets | 69.7600% | 2,235 |
| Net loans and leases to deposits | 97.7277% | 752 |
| Net loans and leases to core deposits | 108.6832% | 815 |
| Total domestic deposits to total assets | 71.3820% | 6,210 |
| Equity capital to assets | 10.6766% | 3,336 |
| Core capital (leverage) ratio | 8.9882% | 5,085 |
| Tier 1 risk-based capital ratio | 12.4889% | 5,175 |
| Total risk-based capital ratio | 13.6230% | 5,180 |
| Memoranda: | ||
| Average total assets | $837,258,000 | 808 |
| Average earning assets | $755,205,750 | 810 |
| Average equity | $86,273,250 | 860 |
| Average total loans | $559,925,750 | 791 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8103% | 4,486 |
| Cost of funding earning assets | 0.4603% | 3,213 |
| Net interest margin | 3.3500% | 4,406 |
| Noninterest income to average assets | 0.2738% | 5,239 |
| Noninterest expense to average assets | 3.0816% | 2,563 |
| Loan and lease loss provision to assets | 0.1648% | 1,488 |
| Net operating income to assets | 0.1600% | 5,931 |
| Return on assets (ROA) | 0.1307% | 6,027 |
| Pretax return on assets | 0.0087% | 6,186 |
| Return on Equity (ROE) | 1.2848% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.2848% | 5,228 |
| Net charge-offs to loans | 0.2354% | 1,630 |
| Credit loss provision to net charge-offs | 106.7293% | 1,875 |
| Earnings coverage of net charge-offs (x) | 1.3130% | 3,844 |
| Efficiency ratio | 93.5771% | 665 |
| Assets per employee ($millions) | 6.8436% | 860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1522% | 4,655 |
| Loan loss allowance to noncurrent loans | 80.0946% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 0.9497% | 3,159 |
| Noncurrent loans to loans | 1.4386% | 2,399 |
| Net loans and leases to total assets | 64.6651% | 2,969 |
| Net loans and leases to deposits | 87.1049% | 1,698 |
| Net loans and leases to core deposits | 96.7978% | 1,539 |
| Total domestic deposits to total assets | 74.2382% | 6,092 |
| Equity capital to assets | 10.3704% | 3,595 |
| Core capital (leverage) ratio | 8.8748% | 5,199 |
| Tier 1 risk-based capital ratio | 12.7442% | 5,065 |
| Total risk-based capital ratio | 13.8550% | 5,087 |
| Memoranda: | ||
| Average total assets | $827,696,670 | 827 |
| Average earning assets | $743,818,670 | 825 |
| Average equity | $84,213,330 | 872 |
| Average total loans | $542,891,000 | 808 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8122% | 4,437 |
| Cost of funding earning assets | 0.4771% | 3,148 |
| Net interest margin | 3.3351% | 4,395 |
| Noninterest income to average assets | 0.2808% | 5,121 |
| Noninterest expense to average assets | 3.5333% | 1,424 |
| Loan and lease loss provision to assets | 0.1294% | 1,876 |
| Net operating income to assets | -0.0100% | 6,224 |
| Return on assets (ROA) | -0.0100% | 6,235 |
| Pretax return on assets | -0.3823% | 6,421 |
| Return on Equity (ROE) | -0.0989% | 6,236 |
| Retained earnings to average equity (ytd only) | -0.0989% | 5,570 |
| Net charge-offs to loans | 0.3948% | 925 |
| Credit loss provision to net charge-offs | 49.9040% | 2,213 |
| Earnings coverage of net charge-offs (x) | -0.9750% | 3,512 |
| Efficiency ratio | 107.6024% | 302 |
| Assets per employee ($millions) | 6.8637% | 857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 4,993 |
| Loan loss allowance to noncurrent loans | 69.1818% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.0662% | 3,126 |
| Noncurrent loans to loans | 1.6315% | 2,384 |
| Net loans and leases to total assets | 63.8027% | 2,928 |
| Net loans and leases to deposits | 84.4858% | 1,772 |
| Net loans and leases to core deposits | 93.1720% | 1,623 |
| Total domestic deposits to total assets | 75.5189% | 6,115 |
| Equity capital to assets | 10.2862% | 3,495 |
| Core capital (leverage) ratio | 9.4840% | 4,308 |
| Tier 1 risk-based capital ratio | 12.6568% | 5,218 |
| Total risk-based capital ratio | 13.7235% | 5,270 |
| Memoranda: | ||
| Average total assets | $803,557,000 | 855 |
| Average earning assets | $722,735,500 | 856 |
| Average equity | $80,899,000 | 907 |
| Average total loans | $527,809,500 | 829 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9313% | 4,347 |
| Cost of funding earning assets | 0.5209% | 3,388 |
| Net interest margin | 3.4104% | 4,236 |
| Noninterest income to average assets | 0.2402% | 5,626 |
| Noninterest expense to average assets | 2.7510% | 3,908 |
| Loan and lease loss provision to assets | 0.2291% | 1,583 |
| Net operating income to assets | 1.6585% | 620 |
| Return on assets (ROA) | 1.7461% | 549 |
| Pretax return on assets | 0.4828% | 5,250 |
| Return on Equity (ROE) | 16.4614% | 566 |
| Retained earnings to average equity (ytd only) | 16.4614% | 138 |
| Net charge-offs to loans | 0.0119% | 5,216 |
| Credit loss provision to net charge-offs | 3,056.0000% | 71 |
| Earnings coverage of net charge-offs (x) | 83.2800% | 537 |
| Efficiency ratio | 81.3841% | 1,967 |
| Assets per employee ($millions) | 7.0027% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,051 |
| Loan loss allowance to noncurrent loans | 39.0569% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 2.3511% | 1,481 |
| Noncurrent loans to loans | 3.3758% | 952 |
| Net loans and leases to total assets | 66.1438% | 2,672 |
| Net loans and leases to deposits | 90.5245% | 1,189 |
| Net loans and leases to core deposits | 102.9075% | 978 |
| Total domestic deposits to total assets | 73.0672% | 6,353 |
| Equity capital to assets | 9.8129% | 4,021 |
| Core capital (leverage) ratio | 9.1304% | 4,809 |
| Tier 1 risk-based capital ratio | 12.2229% | 5,477 |
| Total risk-based capital ratio | 13.4731% | 5,408 |
| Memoranda: | ||
| Average total assets | $666,989,400 | 1,000 |
| Average earning assets | $613,159,200 | 995 |
| Average equity | $70,747,200 | 1,006 |
| Average total loans | $421,260,800 | 1,016 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0205% | 4,053 |
| Cost of funding earning assets | 0.5374% | 3,385 |
| Net interest margin | 3.4831% | 3,954 |
| Noninterest income to average assets | 0.2454% | 5,683 |
| Noninterest expense to average assets | 2.8216% | 3,589 |
| Loan and lease loss provision to assets | 0.2094% | 1,737 |
| Net operating income to assets | 2.1971% | 261 |
| Return on assets (ROA) | 2.3173% | 221 |
| Pretax return on assets | 0.5369% | 5,242 |
| Return on Equity (ROE) | 21.3882% | 230 |
| Retained earnings to average equity (ytd only) | 21.3882% | 69 |
| Net charge-offs to loans | 0.0020% | 5,176 |
| Credit loss provision to net charge-offs | 16,966.6667% | 12 |
| Earnings coverage of net charge-offs (x) | 507.3213% | 114 |
| Efficiency ratio | 81.7195% | 1,863 |
| Assets per employee ($millions) | 6.2975% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 4,049 |
| Loan loss allowance to noncurrent loans | 108.5694% | 3,268 |
| Noncurrent assets plus other real estate owned to assets | 0.9917% | 3,676 |
| Noncurrent loans to loans | 1.2576% | 3,296 |
| Net loans and leases to total assets | 65.9484% | 2,649 |
| Net loans and leases to deposits | 88.6694% | 1,298 |
| Net loans and leases to core deposits | 102.2499% | 980 |
| Total domestic deposits to total assets | 74.3756% | 6,345 |
| Equity capital to assets | 10.9385% | 2,819 |
| Core capital (leverage) ratio | 9.6600% | 4,157 |
| Tier 1 risk-based capital ratio | 13.4350% | 4,809 |
| Total risk-based capital ratio | 14.6857% | 4,750 |
| Memoranda: | ||
| Average total assets | $648,164,500 | 1,037 |
| Average earning assets | $595,934,500 | 1,037 |
| Average equity | $70,224,000 | 1,021 |
| Average total loans | $402,191,500 | 1,062 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0568% | 3,895 |
| Cost of funding earning assets | 0.5653% | 3,263 |
| Net interest margin | 3.4915% | 3,816 |
| Noninterest income to average assets | 0.2509% | 5,651 |
| Noninterest expense to average assets | 2.8521% | 3,502 |
| Loan and lease loss provision to assets | 0.2992% | 1,210 |
| Net operating income to assets | 3.1341% | 105 |
| Return on assets (ROA) | 3.3152% | 97 |
| Pretax return on assets | 0.4952% | 5,396 |
| Return on Equity (ROE) | 30.7018% | 67 |
| Retained earnings to average equity (ytd only) | 30.7018% | 33 |
| Net charge-offs to loans | -0.0031% | 5,569 |
| Credit loss provision to net charge-offs | -16,000.0000% | 6,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1747% | 1,863 |
| Assets per employee ($millions) | 6.4273% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 4,025 |
| Loan loss allowance to noncurrent loans | 105.1460% | 3,335 |
| Noncurrent assets plus other real estate owned to assets | 1.0112% | 3,733 |
| Noncurrent loans to loans | 1.3325% | 3,327 |
| Net loans and leases to total assets | 63.6738% | 2,972 |
| Net loans and leases to deposits | 84.6193% | 1,721 |
| Net loans and leases to core deposits | 97.7280% | 1,233 |
| Total domestic deposits to total assets | 75.2474% | 6,335 |
| Equity capital to assets | 11.0644% | 2,694 |
| Core capital (leverage) ratio | 9.7670% | 3,839 |
| Tier 1 risk-based capital ratio | 13.1580% | 5,027 |
| Total risk-based capital ratio | 14.4083% | 4,966 |
| Memoranda: | ||
| Average total assets | $641,706,000 | 1,049 |
| Average earning assets | $590,809,670 | 1,045 |
| Average equity | $69,292,330 | 1,046 |
| Average total loans | $387,480,000 | 1,101 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 3,589 |
| Cost of funding earning assets | 0.5928% | 3,173 |
| Net interest margin | 3.5398% | 3,526 |
| Noninterest income to average assets | 0.2693% | 5,529 |
| Noninterest expense to average assets | 3.0353% | 2,879 |
| Loan and lease loss provision to assets | 0.2196% | 1,688 |
| Net operating income to assets | 0.3138% | 5,520 |
| Return on assets (ROA) | 0.4794% | 4,939 |
| Pretax return on assets | 0.4794% | 5,326 |
| Return on Equity (ROE) | 4.4983% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.4983% | 3,532 |
| Net charge-offs to loans | -0.0099% | 5,434 |
| Credit loss provision to net charge-offs | -3,833.3333% | 5,854 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9269% | 1,647 |
| Assets per employee ($millions) | 6.1298% | 1,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 4,077 |
| Loan loss allowance to noncurrent loans | 82.9670% | 3,856 |
| Noncurrent assets plus other real estate owned to assets | 1.2635% | 3,455 |
| Noncurrent loans to loans | 1.7282% | 2,955 |
| Net loans and leases to total assets | 58.0609% | 3,776 |
| Net loans and leases to deposits | 76.4681% | 2,558 |
| Net loans and leases to core deposits | 88.3204% | 1,871 |
| Total domestic deposits to total assets | 75.9282% | 6,371 |
| Equity capital to assets | 10.4463% | 3,606 |
| Core capital (leverage) ratio | 9.6349% | 3,866 |
| Tier 1 risk-based capital ratio | 15.3626% | 3,616 |
| Total risk-based capital ratio | 16.6142% | 3,567 |
| Memoranda: | ||
| Average total assets | $628,337,000 | 1,085 |
| Average earning assets | $585,679,000 | 1,057 |
| Average equity | $66,959,000 | 1,088 |
| Average total loans | $365,384,000 | 1,172 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9314% | 5,486 |
| Cost of funding earning assets | 0.6713% | 3,728 |
| Net interest margin | 3.2601% | 5,396 |
| Noninterest income to average assets | 0.3237% | 5,143 |
| Noninterest expense to average assets | 3.0612% | 3,044 |
| Loan and lease loss provision to assets | 0.4528% | 1,390 |
| Net operating income to assets | -0.1788% | 6,361 |
| Return on assets (ROA) | 0.2164% | 5,931 |
| Pretax return on assets | 0.2164% | 5,965 |
| Return on Equity (ROE) | 1.6877% | 5,983 |
| Retained earnings to average equity (ytd only) | 1.6877% | 5,014 |
| Net charge-offs to loans | 0.1019% | 4,651 |
| Credit loss provision to net charge-offs | 831.0469% | 300 |
| Earnings coverage of net charge-offs (x) | 5.0289% | 3,171 |
| Efficiency ratio | 91.6966% | 939 |
| Assets per employee ($millions) | 6.3859% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 3,961 |
| Loan loss allowance to noncurrent loans | 73.2593% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.5695% | 3,032 |
| Noncurrent loans to loans | 1.9728% | 2,723 |
| Net loans and leases to total assets | 56.5299% | 4,200 |
| Net loans and leases to deposits | 73.8548% | 3,107 |
| Net loans and leases to core deposits | 85.8593% | 2,326 |
| Total domestic deposits to total assets | 76.5419% | 6,281 |
| Equity capital to assets | 10.8773% | 3,094 |
| Core capital (leverage) ratio | 10.1481% | 3,200 |
| Tier 1 risk-based capital ratio | 16.4783% | 2,907 |
| Total risk-based capital ratio | 17.7302% | 2,871 |
| Memoranda: | ||
| Average total assets | $508,429,800 | 1,314 |
| Average earning assets | $469,652,000 | 1,298 |
| Average equity | $65,178,400 | 1,085 |
| Average total loans | $271,967,400 | 1,530 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8627% | 5,878 |
| Cost of funding earning assets | 0.6876% | 3,884 |
| Net interest margin | 3.1751% | 5,754 |
| Noninterest income to average assets | 0.4260% | 4,430 |
| Noninterest expense to average assets | 3.1340% | 2,789 |
| Loan and lease loss provision to assets | 0.5427% | 1,085 |
| Net operating income to assets | -0.3207% | 6,588 |
| Return on assets (ROA) | 0.2187% | 6,044 |
| Pretax return on assets | 0.2187% | 6,091 |
| Return on Equity (ROE) | 1.6275% | 6,121 |
| Retained earnings to average equity (ytd only) | 1.6275% | 5,518 |
| Net charge-offs to loans | 0.1259% | 4,119 |
| Credit loss provision to net charge-offs | 824.7899% | 342 |
| Earnings coverage of net charge-offs (x) | 3.3739% | 3,675 |
| Efficiency ratio | 93.3191% | 819 |
| Assets per employee ($millions) | 6.1738% | 1,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 4,059 |
| Loan loss allowance to noncurrent loans | 58.4740% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.9294% | 2,744 |
| Noncurrent loans to loans | 2.5173% | 2,270 |
| Net loans and leases to total assets | 56.3550% | 4,392 |
| Net loans and leases to deposits | 72.5979% | 3,514 |
| Net loans and leases to core deposits | 84.2210% | 2,669 |
| Total domestic deposits to total assets | 77.6262% | 6,140 |
| Equity capital to assets | 11.6859% | 2,548 |
| Core capital (leverage) ratio | 10.6829% | 2,721 |
| Tier 1 risk-based capital ratio | 17.1500% | 2,671 |
| Total risk-based capital ratio | 18.4015% | 2,622 |
| Memoranda: | ||
| Average total assets | $482,275,750 | 1,395 |
| Average earning assets | $445,035,500 | 1,381 |
| Average equity | $64,802,250 | 1,098 |
| Average total loans | $252,050,250 | 1,651 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8048% | 6,132 |
| Cost of funding earning assets | 0.6949% | 4,056 |
| Net interest margin | 3.1099% | 5,974 |
| Noninterest income to average assets | 0.1459% | 6,468 |
| Noninterest expense to average assets | 2.9940% | 3,277 |
| Loan and lease loss provision to assets | 0.7062% | 768 |
| Net operating income to assets | -0.6938% | 6,815 |
| Return on assets (ROA) | -0.1825% | 6,604 |
| Pretax return on assets | -0.1825% | 6,580 |
| Return on Equity (ROE) | -1.2882% | 6,565 |
| Retained earnings to average equity (ytd only) | -1.2882% | 6,252 |
| Net charge-offs to loans | 0.2221% | 3,242 |
| Credit loss provision to net charge-offs | 633.2016% | 498 |
| Earnings coverage of net charge-offs (x) | 0.1107% | 5,025 |
| Efficiency ratio | 99.5455% | 579 |
| Assets per employee ($millions) | 6.7262% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6858% | 3,289 |
| Loan loss allowance to noncurrent loans | 215.4523% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.5430% | 5,406 |
| Noncurrent loans to loans | 0.7824% | 4,940 |
| Net loans and leases to total assets | 50.9358% | 5,232 |
| Net loans and leases to deposits | 67.6069% | 4,268 |
| Net loans and leases to core deposits | 80.2231% | 3,187 |
| Total domestic deposits to total assets | 75.3412% | 6,551 |
| Equity capital to assets | 12.8067% | 1,620 |
| Core capital (leverage) ratio | 11.7690% | 1,745 |
| Tier 1 risk-based capital ratio | 19.6231% | 1,810 |
| Total risk-based capital ratio | 20.8759% | 1,777 |
| Memoranda: | ||
| Average total assets | $453,703,000 | 1,468 |
| Average earning assets | $417,317,670 | 1,459 |
| Average equity | $64,278,000 | 1,100 |
| Average total loans | $227,775,330 | 1,794 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 6,048 |
| Cost of funding earning assets | 0.6571% | 4,666 |
| Net interest margin | 3.2282% | 5,708 |
| Noninterest income to average assets | 0.1634% | 6,405 |
| Noninterest expense to average assets | 3.2490% | 2,439 |
| Loan and lease loss provision to assets | 1.3579% | 271 |
| Net operating income to assets | -1.4979% | 7,090 |
| Return on assets (ROA) | -1.1393% | 7,038 |
| Pretax return on assets | -1.1393% | 7,006 |
| Return on Equity (ROE) | -7.6114% | 6,940 |
| Retained earnings to average equity (ytd only) | -7.6114% | 6,745 |
| Net charge-offs to loans | 0.1991% | 2,927 |
| Credit loss provision to net charge-offs | 1,384.7619% | 250 |
| Earnings coverage of net charge-offs (x) | -1.4286% | 4,587 |
| Efficiency ratio | 104.4458% | 443 |
| Assets per employee ($millions) | 5.8268% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8528% | 2,834 |
| Loan loss allowance to noncurrent loans | 168.3607% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 0.7193% | 5,111 |
| Noncurrent loans to loans | 1.1005% | 4,495 |
| Net loans and leases to total assets | 50.7038% | 5,204 |
| Net loans and leases to deposits | 68.6079% | 3,945 |
| Net loans and leases to core deposits | 82.1569% | 2,808 |
| Total domestic deposits to total assets | 73.9036% | 6,757 |
| Equity capital to assets | 13.7892% | 1,094 |
| Core capital (leverage) ratio | 13.0351% | 1,118 |
| Tier 1 risk-based capital ratio | 21.2120% | 1,449 |
| Total risk-based capital ratio | 22.4667% | 1,419 |
| Memoranda: | ||
| Average total assets | $428,322,500 | 1,556 |
| Average earning assets | $390,812,000 | 1,556 |
| Average equity | $64,114,500 | 1,099 |
| Average total loans | $210,983,500 | 1,941 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 6,794 |
| Cost of funding earning assets | 0.8023% | 4,850 |
| Net interest margin | 2.9383% | 6,630 |
| Noninterest income to average assets | 0.1905% | 6,142 |
| Noninterest expense to average assets | 3.9068% | 1,171 |
| Loan and lease loss provision to assets | 0.7728% | 1,292 |
| Net operating income to assets | -1.8541% | 7,000 |
| Return on assets (ROA) | -1.6820% | 6,971 |
| Pretax return on assets | -1.6820% | 6,939 |
| Return on Equity (ROE) | -12.0079% | 6,800 |
| Retained earnings to average equity (ytd only) | -12.0079% | 6,770 |
| Net charge-offs to loans | 0.5205% | 2,909 |
| Credit loss provision to net charge-offs | 380.1953% | 614 |
| Earnings coverage of net charge-offs (x) | -5.3194% | 6,364 |
| Efficiency ratio | 138.1960% | 189 |
| Assets per employee ($millions) | 5.2148% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 3,335 |
| Loan loss allowance to noncurrent loans | 329.7735% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4355% | 5,875 |
| Noncurrent loans to loans | 0.5034% | 5,702 |
| Net loans and leases to total assets | 45.6960% | 6,037 |
| Net loans and leases to deposits | 62.3315% | 5,197 |
| Net loans and leases to core deposits | 71.4107% | 4,603 |
| Total domestic deposits to total assets | 73.3112% | 6,781 |
| Equity capital to assets | 16.3387% | 539 |
| Core capital (leverage) ratio | 15.7379% | 495 |
| Tier 1 risk-based capital ratio | 26.4980% | 740 |
| Total risk-based capital ratio | 27.7498% | 725 |
| Memoranda: | ||
| Average total assets | $352,739,800 | 1,833 |
| Average earning assets | $316,342,600 | 1,862 |
| Average equity | $49,409,200 | 1,379 |
| Average total loans | $137,749,800 | 2,837 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 6,801 |
| Cost of funding earning assets | 0.8729% | 4,620 |
| Net interest margin | 2.9602% | 6,651 |
| Noninterest income to average assets | 0.1899% | 6,235 |
| Noninterest expense to average assets | 3.4885% | 1,969 |
| Loan and lease loss provision to assets | 0.5133% | 1,931 |
| Net operating income to assets | -1.1611% | 6,941 |
| Return on assets (ROA) | -0.9439% | 6,898 |
| Pretax return on assets | -0.9439% | 6,854 |
| Return on Equity (ROE) | -7.0801% | 6,772 |
| Retained earnings to average equity (ytd only) | -7.0801% | 6,710 |
| Net charge-offs to loans | 0.0222% | 5,836 |
| Credit loss provision to net charge-offs | 6,266.6667% | 43 |
| Earnings coverage of net charge-offs (x) | -79.0932% | 6,174 |
| Efficiency ratio | 122.7379% | 283 |
| Assets per employee ($millions) | 5.0778% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5240% | 3,984 |
| Loan loss allowance to noncurrent loans | 231.9802% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.4880% | 5,868 |
| Noncurrent loans to loans | 0.6569% | 5,574 |
| Net loans and leases to total assets | 40.8434% | 6,575 |
| Net loans and leases to deposits | 57.3306% | 5,912 |
| Net loans and leases to core deposits | 60.9476% | 5,911 |
| Total domestic deposits to total assets | 71.2420% | 6,977 |
| Equity capital to assets | 17.8764% | 402 |
| Core capital (leverage) ratio | 15.9497% | 509 |
| Tier 1 risk-based capital ratio | 30.2023% | 530 |
| Total risk-based capital ratio | 31.4040% | 521 |
| Memoranda: | ||
| Average total assets | $341,842,750 | 1,902 |
| Average earning assets | $306,102,000 | 1,931 |
| Average equity | $45,572,750 | 1,494 |
| Average total loans | $126,146,500 | 3,077 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8690% | 6,846 |
| Cost of funding earning assets | 0.9373% | 4,409 |
| Net interest margin | 2.9317% | 6,734 |
| Noninterest income to average assets | 0.1698% | 6,451 |
| Noninterest expense to average assets | 3.5421% | 1,881 |
| Loan and lease loss provision to assets | 0.4972% | 1,976 |
| Net operating income to assets | -1.2467% | 7,015 |
| Return on assets (ROA) | -1.0806% | 6,978 |
| Pretax return on assets | -1.0806% | 6,924 |
| Return on Equity (ROE) | -9.2823% | 6,913 |
| Retained earnings to average equity (ytd only) | -9.2823% | 6,844 |
| Net charge-offs to loans | 0.0359% | 5,351 |
| Credit loss provision to net charge-offs | 3,933.3333% | 79 |
| Earnings coverage of net charge-offs (x) | -59.2857% | 5,860 |
| Efficiency ratio | 126.7730% | 283 |
| Assets per employee ($millions) | 5.1837% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 4,533 |
| Loan loss allowance to noncurrent loans | 9,752.6316% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 6,565 |
| Noncurrent loans to loans | 0.0144% | 6,967 |
| Net loans and leases to total assets | 35.2500% | 6,998 |
| Net loans and leases to deposits | 48.4900% | 6,701 |
| Net loans and leases to core deposits | 51.0937% | 6,710 |
| Total domestic deposits to total assets | 72.6955% | 6,957 |
| Equity capital to assets | 17.4052% | 440 |
| Core capital (leverage) ratio | 17.0079% | 401 |
| Tier 1 risk-based capital ratio | 33.5620% | 400 |
| Total risk-based capital ratio | 34.6098% | 396 |
| Memoranda: | ||
| Average total assets | $332,230,670 | 1,964 |
| Average earning assets | $297,235,000 | 1,992 |
| Average equity | $38,675,670 | 1,734 |
| Average total loans | $116,948,330 | 3,293 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0664% | 6,567 |
| Cost of funding earning assets | 0.9888% | 4,280 |
| Net interest margin | 3.0776% | 6,404 |
| Noninterest income to average assets | 0.1693% | 6,515 |
| Noninterest expense to average assets | 3.6536% | 1,646 |
| Loan and lease loss provision to assets | 0.3703% | 2,338 |
| Net operating income to assets | -1.1097% | 7,071 |
| Return on assets (ROA) | -1.1173% | 7,081 |
| Pretax return on assets | -1.1173% | 7,031 |
| Return on Equity (ROE) | -13.5160% | 7,115 |
| Retained earnings to average equity (ytd only) | -13.5160% | 6,994 |
| Net charge-offs to loans | 0.0073% | 5,011 |
| Credit loss provision to net charge-offs | 14,550.0000% | 14 |
| Earnings coverage of net charge-offs (x) | -290.5000% | 5,103 |
| Efficiency ratio | 125.2838% | 301 |
| Assets per employee ($millions) | 4.8438% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,816 |
| Loan loss allowance to noncurrent loans | 162.8502% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.2493% | 6,559 |
| Noncurrent loans to loans | 0.7100% | 5,593 |
| Net loans and leases to total assets | 34.6981% | 7,063 |
| Net loans and leases to deposits | 42.1572% | 7,018 |
| Net loans and leases to core deposits | 43.2307% | 7,065 |
| Total domestic deposits to total assets | 82.3065% | 5,189 |
| Equity capital to assets | 7.8444% | 6,638 |
| Core capital (leverage) ratio | 7.5363% | 6,705 |
| Tier 1 risk-based capital ratio | 14.1636% | 3,962 |
| Total risk-based capital ratio | 14.9604% | 4,244 |
| Memoranda: | ||
| Average total assets | $314,323,500 | 2,069 |
| Average earning assets | $280,346,500 | 2,109 |
| Average equity | $25,984,000 | 2,451 |
| Average total loans | $109,628,000 | 3,503 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 6,973 |
| Cost of funding earning assets | 1.5382% | 2,414 |
| Net interest margin | 2.6250% | 7,188 |
| Noninterest income to average assets | 0.1858% | 6,424 |
| Noninterest expense to average assets | 4.6179% | 583 |
| Loan and lease loss provision to assets | 0.7445% | 2,204 |
| Net operating income to assets | -2.8978% | 7,272 |
| Return on assets (ROA) | -2.2787% | 7,149 |
| Pretax return on assets | -2.2787% | 7,109 |
| Return on Equity (ROE) | -16.7199% | 6,971 |
| Retained earnings to average equity (ytd only) | -16.7199% | 6,940 |
| Net charge-offs to loans | 1.2681% | 1,775 |
| Credit loss provision to net charge-offs | 190.3888% | 1,694 |
| Earnings coverage of net charge-offs (x) | -5.5065% | 6,780 |
| Efficiency ratio | 187.2515% | 105 |
| Assets per employee ($millions) | 4.3372% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 6,329 |
| Loan loss allowance to noncurrent loans | 131.0000% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 6,578 |
| Noncurrent loans to loans | 0.7720% | 5,502 |
| Net loans and leases to total assets | 34.2779% | 7,215 |
| Net loans and leases to deposits | 41.5665% | 7,200 |
| Net loans and leases to core deposits | 42.1413% | 7,253 |
| Total domestic deposits to total assets | 82.4651% | 5,032 |
| Equity capital to assets | 8.7314% | 5,538 |
| Core capital (leverage) ratio | 8.2852% | 5,703 |
| Tier 1 risk-based capital ratio | 15.5093% | 2,992 |
| Total risk-based capital ratio | 16.1688% | 3,247 |
| Memoranda: | ||
| Average total assets | $236,796,800 | 2,673 |
| Average earning assets | $205,561,400 | 2,802 |
| Average equity | $32,273,000 | 2,038 |
| Average total loans | $73,023,000 | 4,567 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1454% | 7,157 |
| Cost of funding earning assets | 1.5243% | 2,810 |
| Net interest margin | 2.6210% | 7,299 |
| Noninterest income to average assets | 0.1754% | 6,628 |
| Noninterest expense to average assets | 4.8153% | 441 |
| Loan and lease loss provision to assets | 0.8463% | 1,796 |
| Net operating income to assets | -3.2287% | 7,481 |
| Return on assets (ROA) | -2.8471% | 7,436 |
| Pretax return on assets | -2.8471% | 7,387 |
| Return on Equity (ROE) | -18.6259% | 7,194 |
| Retained earnings to average equity (ytd only) | -18.6259% | 7,175 |
| Net charge-offs to loans | 1.8805% | 1,018 |
| Credit loss provision to net charge-offs | 152.2777% | 2,548 |
| Earnings coverage of net charge-offs (x) | -4.2863% | 6,583 |
| Efficiency ratio | 197.7948% | 90 |
| Assets per employee ($millions) | 4.1604% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7530% | 7,101 |
| Loan loss allowance to noncurrent loans | 86.6250% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.2870% | 6,651 |
| Noncurrent loans to loans | 0.8693% | 5,483 |
| Net loans and leases to total assets | 32.7677% | 7,386 |
| Net loans and leases to deposits | 41.1833% | 7,334 |
| Net loans and leases to core deposits | 41.7690% | 7,384 |
| Total domestic deposits to total assets | 79.5655% | 5,845 |
| Equity capital to assets | 11.9055% | 2,221 |
| Core capital (leverage) ratio | 9.3332% | 4,157 |
| Tier 1 risk-based capital ratio | 17.2527% | 2,261 |
| Total risk-based capital ratio | 17.7250% | 2,520 |
| Memoranda: | ||
| Average total assets | $221,179,500 | 2,897 |
| Average earning assets | $190,504,500 | 3,036 |
| Average equity | $33,808,750 | 1,978 |
| Average total loans | $65,371,250 | 4,928 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 7,356 |
| Cost of funding earning assets | 1.3785% | 4,013 |
| Net interest margin | 2.6324% | 7,320 |
| Noninterest income to average assets | 0.1574% | 6,765 |
| Noninterest expense to average assets | 5.2596% | 314 |
| Loan and lease loss provision to assets | 0.5495% | 2,577 |
| Net operating income to assets | -3.4130% | 7,570 |
| Return on assets (ROA) | -3.3744% | 7,566 |
| Pretax return on assets | -3.3744% | 7,525 |
| Return on Equity (ROE) | -20.0374% | 7,279 |
| Retained earnings to average equity (ytd only) | -20.0374% | 7,258 |
| Net charge-offs to loans | 0.0035% | 6,329 |
| Credit loss provision to net charge-offs | 55,500.0000% | 2 |
| Earnings coverage of net charge-offs (x) | -2,892.0000% | 6,371 |
| Efficiency ratio | 219.3802% | 79 |
| Assets per employee ($millions) | 4.1245% | 3,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 6,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 28.3486% | 7,575 |
| Net loans and leases to deposits | 32.6325% | 7,601 |
| Net loans and leases to core deposits | 33.9384% | 7,603 |
| Total domestic deposits to total assets | 86.8725% | 2,608 |
| Equity capital to assets | 12.6422% | 1,719 |
| Core capital (leverage) ratio | 10.9572% | 2,272 |
| Tier 1 risk-based capital ratio | 20.7403% | 1,388 |
| Total risk-based capital ratio | 21.3354% | 1,474 |
| Memoranda: | ||
| Average total assets | $201,991,330 | 3,134 |
| Average earning assets | $171,781,000 | 3,311 |
| Average equity | $34,016,330 | 1,963 |
| Average total loans | $56,484,670 | 5,333 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 7,642 |
| Cost of funding earning assets | 0.8989% | 6,775 |
| Net interest margin | 2.7948% | 7,185 |
| Noninterest income to average assets | 0.1847% | 6,633 |
| Noninterest expense to average assets | 6.0779% | 215 |
| Loan and lease loss provision to assets | 0.5801% | 2,176 |
| Net operating income to assets | -4.1766% | 7,726 |
| Return on assets (ROA) | -4.1601% | 7,729 |
| Pretax return on assets | -4.1601% | 7,699 |
| Return on Equity (ROE) | -20.6233% | 7,451 |
| Retained earnings to average equity (ytd only) | -20.6233% | 7,392 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.7519% | 67 |
| Assets per employee ($millions) | 3.2212% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 6,975 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 24.5019% | 7,723 |
| Net loans and leases to deposits | 29.0581% | 7,743 |
| Net loans and leases to core deposits | 30.3669% | 7,742 |
| Total domestic deposits to total assets | 84.3203% | 3,987 |
| Equity capital to assets | 15.3563% | 793 |
| Core capital (leverage) ratio | 19.9712% | 251 |
| Tier 1 risk-based capital ratio | 28.2945% | 619 |
| Total risk-based capital ratio | 28.7508% | 660 |
| Memoranda: | ||
| Average total assets | $168,940,000 | 3,681 |
| Average earning assets | $138,829,000 | 3,989 |
| Average equity | $34,078,000 | 1,982 |
| Average total loans | $46,344,500 | 5,824 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1474% | 7,964 |
| Cost of funding earning assets | 0.2914% | 7,907 |
| Net interest margin | 0.8560% | 7,942 |
| Noninterest income to average assets | 0.0644% | 7,427 |
| Noninterest expense to average assets | 7.2222% | 191 |
| Loan and lease loss provision to assets | 0.3316% | 4,825 |
| Net operating income to assets | -6.7555% | 7,882 |
| Return on assets (ROA) | -6.7555% | 7,873 |
| Pretax return on assets | -6.7555% | 7,849 |
| Return on Equity (ROE) | -25.1925% | 7,294 |
| Retained earnings to average equity (ytd only) | -25.1925% | 7,269 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 904.5276% | 17 |
| Assets per employee ($millions) | 1.9072% | 7,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5362% | 7,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 32.0678% | 7,659 |
| Net loans and leases to deposits | 45.3405% | 7,470 |
| Net loans and leases to core deposits | 51.3169% | 7,552 |
| Total domestic deposits to total assets | 70.7267% | 7,360 |
| Equity capital to assets | 28.6859% | 113 |
| Core capital (leverage) ratio | 27.9582% | 121 |
| Tier 1 risk-based capital ratio | 41.1722% | 228 |
| Total risk-based capital ratio | 41.4615% | 242 |
| Memoranda: | ||
| Average total assets | $63,637,200 | 6,213 |
| Average earning assets | $54,557,800 | 6,351 |
| Average equity | $17,064,600 | 3,660 |
| Average total loans | $29,606,000 | 6,647 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2722% | 5,561 |
| Cost of funding earning assets | 2.5483% | 1,161 |
| Net interest margin | 2.7239% | 7,174 |
| Noninterest income to average assets | 0.0789% | 7,509 |
| Noninterest expense to average assets | 5.4005% | 388 |
| Loan and lease loss provision to assets | 0.3453% | 4,252 |
| Net operating income to assets | -3.1788% | 7,627 |
| Return on assets (ROA) | -2.9368% | 7,570 |
| Pretax return on assets | -2.9368% | 7,480 |
| Return on Equity (ROE) | -11.4489% | 6,986 |
| Retained earnings to average equity (ytd only) | -11.4489% | 6,914 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 210.3814% | 132 |
| Assets per employee ($millions) | 4.5155% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4500% | 3,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 54.3023% | 6,347 |
| Net loans and leases to deposits | 68.9062% | 6,037 |
| Net loans and leases to core deposits | 89.4514% | 5,487 |
| Total domestic deposits to total assets | 78.8062% | 5,867 |
| Equity capital to assets | 20.8651% | 285 |
| Core capital (leverage) ratio | 20.1922% | 303 |
| Tier 1 risk-based capital ratio | 31.1945% | 509 |
| Total risk-based capital ratio | 32.4094% | 497 |
| Memoranda: | ||
| Average total assets | $49,031,500 | 6,802 |
| Average earning assets | $44,787,000 | 6,781 |
| Average equity | $12,577,250 | 4,642 |
| Average total loans | $27,169,250 | 6,850 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 5,070 |
| Cost of funding earning assets | 2.6028% | 1,277 |
| Net interest margin | 2.8109% | 6,991 |
| Noninterest income to average assets | 0.0786% | 7,594 |
| Noninterest expense to average assets | 5.7195% | 352 |
| Loan and lease loss provision to assets | 0.1790% | 5,251 |
| Net operating income to assets | -3.2832% | 7,725 |
| Return on assets (ROA) | -2.8947% | 7,650 |
| Pretax return on assets | -2.8947% | 7,543 |
| Return on Equity (ROE) | -10.4516% | 7,072 |
| Retained earnings to average equity (ytd only) | -10.4516% | 6,922 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 218.6978% | 163 |
| Assets per employee ($millions) | 3.3320% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 3,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 52.0208% | 6,690 |
| Net loans and leases to deposits | 69.1232% | 6,081 |
| Net loans and leases to core deposits | 105.0463% | 3,957 |
| Total domestic deposits to total assets | 75.2581% | 6,704 |
| Equity capital to assets | 24.3878% | 219 |
| Core capital (leverage) ratio | 25.6262% | 192 |
| Tier 1 risk-based capital ratio | 38.4854% | 339 |
| Total risk-based capital ratio | 39.6731% | 331 |
| Memoranda: | ||
| Average total assets | $45,808,330 | 6,988 |
| Average earning assets | $41,339,670 | 6,996 |
| Average equity | $12,687,000 | 4,631 |
| Average total loans | $25,444,000 | 6,997 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 6,271 |
| Cost of funding earning assets | 2.5834% | 1,617 |
| Net interest margin | 2.6227% | 7,334 |
| Noninterest income to average assets | 0.0823% | 7,643 |
| Noninterest expense to average assets | 5.9374% | 294 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.4124% | 7,903 |
| Return on assets (ROA) | -2.5982% | 7,783 |
| Pretax return on assets | -2.5982% | 7,683 |
| Return on Equity (ROE) | -8.7817% | 7,286 |
| Retained earnings to average equity (ytd only) | -8.7817% | 6,996 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 235.1449% | 142 |
| Assets per employee ($millions) | 3.3133% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 3,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 50.2415% | 6,842 |
| Net loans and leases to deposits | 69.4593% | 6,030 |
| Net loans and leases to core deposits | 102.1701% | 4,328 |
| Total domestic deposits to total assets | 72.3322% | 7,159 |
| Equity capital to assets | 27.3423% | 180 |
| Core capital (leverage) ratio | 29.2210% | 161 |
| Tier 1 risk-based capital ratio | 44.1469% | 263 |
| Total risk-based capital ratio | 45.3317% | 261 |
| Memoranda: | ||
| Average total assets | $43,722,500 | 7,112 |
| Average earning assets | $40,721,000 | 7,069 |
| Average equity | $12,936,000 | 4,596 |
| Average total loans | $24,974,500 | 7,067 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9805% | 7,850 |
| Cost of funding earning assets | 1.9161% | 6,686 |
| Net interest margin | 3.0644% | 6,752 |
| Noninterest income to average assets | 0.0800% | 7,744 |
| Noninterest expense to average assets | 7.6689% | 241 |
| Loan and lease loss provision to assets | 1.1900% | 1,213 |
| Net operating income to assets | -5.8630% | 8,145 |
| Return on assets (ROA) | -5.8004% | 8,131 |
| Pretax return on assets | -5.8004% | 8,088 |
| Return on Equity (ROE) | -12.1901% | 7,436 |
| Retained earnings to average equity (ytd only) | -12.1901% | 7,258 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 255.9814% | 132 |
| Assets per employee ($millions) | 2.9328% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 3,779 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 63.2261% | 5,415 |
| Net loans and leases to deposits | 93.4519% | 2,866 |
| Net loans and leases to core deposits | 156.6498% | 652 |
| Total domestic deposits to total assets | 67.6563% | 7,505 |
| Equity capital to assets | 32.1221% | 148 |
| Core capital (leverage) ratio | 33.8468% | 143 |
| Tier 1 risk-based capital ratio | 45.4705% | 256 |
| Total risk-based capital ratio | 46.6681% | 254 |
| Memoranda: | ||
| Average total assets | $28,739,600 | 7,692 |
| Average earning assets | $27,346,600 | 7,645 |
| Average equity | $13,675,000 | 4,409 |
| Average total loans | $13,463,800 | 7,740 |