Home > Florence Bank > Performance and Condition Ratios
Florence Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6275% | 4,332 |
| Cost of funding earning assets | 0.8550% | 3,604 |
| Net interest margin | 2.7725% | 3,712 |
| Noninterest income to average assets | 0.4000% | 2,503 |
| Noninterest expense to average assets | 2.0551% | 3,505 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.6960% | 3,208 |
| Return on assets (ROA) | 0.6969% | 3,174 |
| Pretax return on assets | 0.9260% | 2,890 |
| Return on Equity (ROE) | 8.0800% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.0791% | 1,513 |
| Net charge-offs to loans | 0.0455% | 1,432 |
| Credit loss provision to net charge-offs | 96.4497% | 1,881 |
| Earnings coverage of net charge-offs (x) | 35.1933% | 1,520 |
| Efficiency ratio | 68.3601% | 2,066 |
| Assets per employee ($millions) | 9.0083% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 4,252 |
| Loan loss allowance to noncurrent loans | 186.0644% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 2,277 |
| Noncurrent loans to loans | 0.3198% | 2,038 |
| Net loans and leases to total assets | 59.1000% | 2,935 |
| Net loans and leases to deposits | 68.9452% | 2,953 |
| Net loans and leases to core deposits | 76.0990% | 2,969 |
| Total domestic deposits to total assets | 85.7200% | 2,102 |
| Equity capital to assets | 9.0094% | 2,672 |
| Core capital (leverage) ratio | 11.1765% | 1,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,875,898,800 | 604 |
| Average earning assets | $1,760,667,000 | 588 |
| Average equity | $161,825,000 | 635 |
| Average total loans | $1,113,153,000 | 670 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5833% | 4,319 |
| Cost of funding earning assets | 0.7161% | 3,727 |
| Net interest margin | 2.8672% | 3,603 |
| Noninterest income to average assets | 0.4100% | 2,428 |
| Noninterest expense to average assets | 2.0197% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.8113% | 2,991 |
| Return on assets (ROA) | 0.8086% | 2,992 |
| Pretax return on assets | 1.0696% | 2,656 |
| Return on Equity (ROE) | 9.4800% | 2,805 |
| Retained earnings to average equity (ytd only) | 9.4807% | 1,555 |
| Net charge-offs to loans | 0.0081% | 2,115 |
| Credit loss provision to net charge-offs | 244.7761% | 998 |
| Earnings coverage of net charge-offs (x) | 225.1940% | 546 |
| Efficiency ratio | 65.2158% | 2,366 |
| Assets per employee ($millions) | 8.8907% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6112% | 4,251 |
| Loan loss allowance to noncurrent loans | 107.4937% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 0.3391% | 1,671 |
| Noncurrent loans to loans | 0.5686% | 1,412 |
| Net loans and leases to total assets | 59.2800% | 2,912 |
| Net loans and leases to deposits | 67.3495% | 3,024 |
| Net loans and leases to core deposits | 73.1844% | 3,044 |
| Total domestic deposits to total assets | 88.0200% | 1,572 |
| Equity capital to assets | 8.3173% | 2,844 |
| Core capital (leverage) ratio | 11.3108% | 1,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,867,431,000 | 610 |
| Average earning assets | $1,752,480,000 | 591 |
| Average equity | $159,266,750 | 641 |
| Average total loans | $1,107,593,750 | 670 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5482% | 4,303 |
| Cost of funding earning assets | 0.5905% | 3,776 |
| Net interest margin | 2.9578% | 3,549 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.0420% | 3,485 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8613% | 2,883 |
| Return on assets (ROA) | 0.8613% | 2,886 |
| Pretax return on assets | 1.1428% | 2,531 |
| Return on Equity (ROE) | 10.0100% | 2,694 |
| Retained earnings to average equity (ytd only) | 10.0150% | 1,399 |
| Net charge-offs to loans | 0.0067% | 1,987 |
| Credit loss provision to net charge-offs | 159.4595% | 1,163 |
| Earnings coverage of net charge-offs (x) | 288.4595% | 463 |
| Efficiency ratio | 64.0398% | 2,485 |
| Assets per employee ($millions) | 8.7771% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6190% | 4,280 |
| Loan loss allowance to noncurrent loans | 146.2764% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 1,952 |
| Noncurrent loans to loans | 0.4231% | 1,667 |
| Net loans and leases to total assets | 58.6400% | 2,904 |
| Net loans and leases to deposits | 66.1988% | 3,046 |
| Net loans and leases to core deposits | 71.0178% | 3,062 |
| Total domestic deposits to total assets | 88.5900% | 1,380 |
| Equity capital to assets | 8.7703% | 2,678 |
| Core capital (leverage) ratio | 11.2134% | 1,785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,861,635,000 | 601 |
| Average earning assets | $1,748,824,667 | 583 |
| Average equity | $160,100,333 | 634 |
| Average total loans | $1,102,053,667 | 662 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5090% | 4,251 |
| Cost of funding earning assets | 0.4607% | 3,806 |
| Net interest margin | 3.0483% | 3,467 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.0837% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8838% | 2,905 |
| Return on assets (ROA) | 0.8878% | 2,846 |
| Pretax return on assets | 1.1791% | 2,481 |
| Return on Equity (ROE) | 10.4300% | 2,657 |
| Retained earnings to average equity (ytd only) | 10.4267% | 1,595 |
| Net charge-offs to loans | 0.0062% | 1,729 |
| Credit loss provision to net charge-offs | 82.3529% | 1,200 |
| Earnings coverage of net charge-offs (x) | 321.7647% | 350 |
| Efficiency ratio | 63.9420% | 2,473 |
| Assets per employee ($millions) | 8.8554% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 4,341 |
| Loan loss allowance to noncurrent loans | 289.7304% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.1257% | 2,629 |
| Noncurrent loans to loans | 0.2119% | 2,414 |
| Net loans and leases to total assets | 58.9500% | 2,769 |
| Net loans and leases to deposits | 65.5756% | 2,968 |
| Net loans and leases to core deposits | 69.1845% | 3,010 |
| Total domestic deposits to total assets | 89.9000% | 1,193 |
| Equity capital to assets | 8.7216% | 2,723 |
| Core capital (leverage) ratio | 10.9936% | 1,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,862,080,000 | 612 |
| Average earning assets | $1,752,840,000 | 594 |
| Average equity | $158,554,500 | 654 |
| Average total loans | $1,104,089,500 | 667 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0780% | 4,030 |
| Cost of funding earning assets | 0.2061% | 3,706 |
| Net interest margin | 2.8719% | 3,749 |
| Noninterest income to average assets | 0.4000% | 2,691 |
| Noninterest expense to average assets | 1.9212% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9169% | 2,888 |
| Return on assets (ROA) | 0.9088% | 2,864 |
| Pretax return on assets | 1.1806% | 2,505 |
| Return on Equity (ROE) | 10.6300% | 2,600 |
| Retained earnings to average equity (ytd only) | 10.6300% | 975 |
| Net charge-offs to loans | 0.0076% | 2,114 |
| Credit loss provision to net charge-offs | 111.2500% | 1,501 |
| Earnings coverage of net charge-offs (x) | 285.4250% | 506 |
| Efficiency ratio | 61.6422% | 2,814 |
| Assets per employee ($millions) | 8.9640% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6674% | 4,260 |
| Loan loss allowance to noncurrent loans | 349.0771% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1133% | 2,733 |
| Noncurrent loans to loans | 0.1912% | 2,523 |
| Net loans and leases to total assets | 58.8800% | 2,742 |
| Net loans and leases to deposits | 65.1792% | 2,944 |
| Net loans and leases to core deposits | 68.1515% | 3,001 |
| Total domestic deposits to total assets | 90.3300% | 1,230 |
| Equity capital to assets | 8.3087% | 2,848 |
| Core capital (leverage) ratio | 10.7965% | 1,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,910,015,800 | 584 |
| Average earning assets | $1,810,107,000 | 559 |
| Average equity | $163,292,800 | 629 |
| Average total loans | $1,050,995,600 | 656 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9539% | 3,974 |
| Cost of funding earning assets | 0.1992% | 3,287 |
| Net interest margin | 2.7546% | 3,826 |
| Noninterest income to average assets | 0.3900% | 2,797 |
| Noninterest expense to average assets | 1.8465% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8746% | 2,985 |
| Return on assets (ROA) | 0.8637% | 2,998 |
| Pretax return on assets | 1.1360% | 2,607 |
| Return on Equity (ROE) | 10.0300% | 2,714 |
| Retained earnings to average equity (ytd only) | 10.0344% | 1,330 |
| Net charge-offs to loans | 0.0082% | 1,835 |
| Credit loss provision to net charge-offs | 101.5625% | 1,310 |
| Earnings coverage of net charge-offs (x) | 259.9063% | 524 |
| Efficiency ratio | 61.5337% | 2,893 |
| Assets per employee ($millions) | 9.0240% | 885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6940% | 4,261 |
| Loan loss allowance to noncurrent loans | 289.8505% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.1348% | 2,664 |
| Noncurrent loans to loans | 0.2394% | 2,426 |
| Net loans and leases to total assets | 55.9000% | 2,911 |
| Net loans and leases to deposits | 61.4736% | 3,070 |
| Net loans and leases to core deposits | 64.5438% | 3,068 |
| Total domestic deposits to total assets | 90.9300% | 1,268 |
| Equity capital to assets | 7.9448% | 2,933 |
| Core capital (leverage) ratio | 10.3731% | 2,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,921,390,500 | 573 |
| Average earning assets | $1,823,018,250 | 553 |
| Average equity | $165,386,500 | 629 |
| Average total loans | $1,037,459,750 | 660 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8066% | 3,960 |
| Cost of funding earning assets | 0.2025% | 2,883 |
| Net interest margin | 2.6041% | 3,902 |
| Noninterest income to average assets | 0.3793% | 2,876 |
| Noninterest expense to average assets | 1.8172% | 3,906 |
| Loan and lease loss provision to assets | 0.0038% | 2,538 |
| Net operating income to assets | 0.7681% | 3,076 |
| Return on assets (ROA) | 0.7573% | 3,076 |
| Pretax return on assets | 1.0191% | 2,656 |
| Return on Equity (ROE) | 8.5831% | 2,837 |
| Retained earnings to average equity (ytd only) | 8.5831% | 1,405 |
| Net charge-offs to loans | 0.0080% | 1,701 |
| Credit loss provision to net charge-offs | 90.2439% | 1,340 |
| Earnings coverage of net charge-offs (x) | 244.3902% | 480 |
| Efficiency ratio | 63.6759% | 2,813 |
| Assets per employee ($millions) | 9.3175% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7020% | 4,330 |
| Loan loss allowance to noncurrent loans | 326.8087% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1168% | 2,887 |
| Noncurrent loans to loans | 0.2148% | 2,647 |
| Net loans and leases to total assets | 53.9972% | 2,965 |
| Net loans and leases to deposits | 59.6381% | 3,081 |
| Net loans and leases to core deposits | 62.7818% | 3,053 |
| Total domestic deposits to total assets | 90.5414% | 1,444 |
| Equity capital to assets | 8.3408% | 2,877 |
| Core capital (leverage) ratio | 10.0309% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,933,179,667 | 565 |
| Average earning assets | $1,837,029,333 | 548 |
| Average equity | $170,568,667 | 620 |
| Average total loans | $1,029,408,000 | 658 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6963% | 3,958 |
| Cost of funding earning assets | 0.2029% | 2,761 |
| Net interest margin | 2.4934% | 3,914 |
| Noninterest income to average assets | 0.3596% | 2,936 |
| Noninterest expense to average assets | 1.8561% | 3,794 |
| Loan and lease loss provision to assets | 0.0023% | 2,255 |
| Net operating income to assets | 0.6536% | 3,219 |
| Return on assets (ROA) | 0.6409% | 3,240 |
| Pretax return on assets | 0.8552% | 2,924 |
| Return on Equity (ROE) | 7.0712% | 3,017 |
| Retained earnings to average equity (ytd only) | 7.0712% | 1,872 |
| Net charge-offs to loans | 0.0075% | 1,475 |
| Credit loss provision to net charge-offs | 57.8947% | 1,175 |
| Earnings coverage of net charge-offs (x) | 222.4737% | 402 |
| Efficiency ratio | 67.9967% | 2,507 |
| Assets per employee ($millions) | 9.3513% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7166% | 4,359 |
| Loan loss allowance to noncurrent loans | 311.6900% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.1214% | 2,970 |
| Noncurrent loans to loans | 0.2299% | 2,673 |
| Net loans and leases to total assets | 52.4169% | 2,951 |
| Net loans and leases to deposits | 58.0544% | 3,074 |
| Net loans and leases to core deposits | 61.2156% | 3,044 |
| Total domestic deposits to total assets | 90.2893% | 1,391 |
| Equity capital to assets | 8.6626% | 3,015 |
| Core capital (leverage) ratio | 9.8833% | 2,409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,935,405,500 | 565 |
| Average earning assets | $1,839,701,000 | 552 |
| Average equity | $175,417,000 | 619 |
| Average total loans | $1,019,701,000 | 655 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9367% | 3,987 |
| Cost of funding earning assets | 0.2351% | 3,084 |
| Net interest margin | 2.7016% | 3,865 |
| Noninterest income to average assets | 0.3985% | 3,056 |
| Noninterest expense to average assets | 1.9139% | 3,895 |
| Loan and lease loss provision to assets | 0.0032% | 3,014 |
| Net operating income to assets | 0.7706% | 3,417 |
| Return on assets (ROA) | 0.7683% | 3,493 |
| Pretax return on assets | 1.0371% | 3,161 |
| Return on Equity (ROE) | 8.0961% | 3,189 |
| Retained earnings to average equity (ytd only) | 8.0961% | 1,501 |
| Net charge-offs to loans | 0.0266% | 1,707 |
| Credit loss provision to net charge-offs | 21.3235% | 2,271 |
| Earnings coverage of net charge-offs (x) | 70.0956% | 1,074 |
| Efficiency ratio | 64.7207% | 2,444 |
| Assets per employee ($millions) | 9.5334% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7276% | 4,379 |
| Loan loss allowance to noncurrent loans | 295.5074% | 2,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 3,030 |
| Noncurrent loans to loans | 0.2462% | 2,744 |
| Net loans and leases to total assets | 52.1944% | 3,038 |
| Net loans and leases to deposits | 58.3801% | 3,220 |
| Net loans and leases to core deposits | 61.3806% | 3,213 |
| Total domestic deposits to total assets | 89.4045% | 1,296 |
| Equity capital to assets | 9.4686% | 3,173 |
| Core capital (leverage) ratio | 9.8348% | 2,534 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,827,552,400 | 577 |
| Average earning assets | $1,730,820,000 | 561 |
| Average equity | $173,430,000 | 619 |
| Average total loans | $1,020,858,600 | 646 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9864% | 4,029 |
| Cost of funding earning assets | 0.2423% | 3,194 |
| Net interest margin | 2.7441% | 3,891 |
| Noninterest income to average assets | 0.3949% | 3,123 |
| Noninterest expense to average assets | 1.9372% | 3,845 |
| Loan and lease loss provision to assets | 0.1508% | 748 |
| Net operating income to assets | 0.6711% | 3,840 |
| Return on assets (ROA) | 0.6689% | 3,898 |
| Pretax return on assets | 0.8999% | 3,695 |
| Return on Equity (ROE) | 7.0441% | 3,656 |
| Retained earnings to average equity (ytd only) | 7.0441% | 2,401 |
| Net charge-offs to loans | 0.0328% | 1,409 |
| Credit loss provision to net charge-offs | 809.1270% | 586 |
| Earnings coverage of net charge-offs (x) | 56.5317% | 1,166 |
| Efficiency ratio | 64.7751% | 2,278 |
| Assets per employee ($millions) | 9.2587% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 4,114 |
| Loan loss allowance to noncurrent loans | 311.5397% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.1608% | 3,047 |
| Noncurrent loans to loans | 0.2938% | 2,738 |
| Net loans and leases to total assets | 54.2205% | 2,945 |
| Net loans and leases to deposits | 60.7548% | 3,163 |
| Net loans and leases to core deposits | 63.9047% | 3,150 |
| Total domestic deposits to total assets | 89.2448% | 1,153 |
| Equity capital to assets | 9.3650% | 3,498 |
| Core capital (leverage) ratio | 9.8704% | 2,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,803,004,250 | 589 |
| Average earning assets | $1,705,605,750 | 574 |
| Average equity | $171,202,250 | 636 |
| Average total loans | $1,022,948,500 | 655 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9711% | 4,095 |
| Cost of funding earning assets | 0.2524% | 3,261 |
| Net interest margin | 2.7187% | 3,945 |
| Noninterest income to average assets | 0.3949% | 3,131 |
| Noninterest expense to average assets | 1.9880% | 3,739 |
| Loan and lease loss provision to assets | 0.2266% | 466 |
| Net operating income to assets | 0.5628% | 4,068 |
| Return on assets (ROA) | 0.5602% | 4,125 |
| Pretax return on assets | 0.7476% | 3,977 |
| Return on Equity (ROE) | 5.8710% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.8710% | 2,854 |
| Net charge-offs to loans | 0.0458% | 1,175 |
| Credit loss provision to net charge-offs | 861.9658% | 512 |
| Earnings coverage of net charge-offs (x) | 37.1923% | 1,199 |
| Efficiency ratio | 67.0366% | 2,008 |
| Assets per employee ($millions) | 9.1337% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9106% | 4,129 |
| Loan loss allowance to noncurrent loans | 282.9858% | 1,985 |
| Noncurrent assets plus other real estate owned to assets | 0.1802% | 3,064 |
| Noncurrent loans to loans | 0.3218% | 2,764 |
| Net loans and leases to total assets | 55.5053% | 2,960 |
| Net loans and leases to deposits | 62.2196% | 3,179 |
| Net loans and leases to core deposits | 65.3988% | 3,166 |
| Total domestic deposits to total assets | 89.2087% | 1,181 |
| Equity capital to assets | 9.4255% | 3,406 |
| Core capital (leverage) ratio | 9.8566% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,780,587,333 | 593 |
| Average earning assets | $1,683,623,333 | 575 |
| Average equity | $169,886,333 | 635 |
| Average total loans | $1,022,788,000 | 659 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9891% | 4,111 |
| Cost of funding earning assets | 0.2709% | 3,266 |
| Net interest margin | 2.7182% | 3,923 |
| Noninterest income to average assets | 0.3870% | 3,168 |
| Noninterest expense to average assets | 2.0516% | 3,562 |
| Loan and lease loss provision to assets | 0.2743% | 354 |
| Net operating income to assets | 0.4777% | 4,218 |
| Return on assets (ROA) | 0.4714% | 4,268 |
| Pretax return on assets | 0.6225% | 4,161 |
| Return on Equity (ROE) | 4.9100% | 4,106 |
| Retained earnings to average equity (ytd only) | 4.9100% | 3,248 |
| Net charge-offs to loans | 0.0271% | 1,225 |
| Credit loss provision to net charge-offs | 1,742.0290% | 272 |
| Earnings coverage of net charge-offs (x) | 57.4638% | 841 |
| Efficiency ratio | 69.3964% | 1,770 |
| Assets per employee ($millions) | 8.9752% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 4,269 |
| Loan loss allowance to noncurrent loans | 409.3001% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.1186% | 3,575 |
| Noncurrent loans to loans | 0.2104% | 3,354 |
| Net loans and leases to total assets | 55.8959% | 3,049 |
| Net loans and leases to deposits | 62.5204% | 3,274 |
| Net loans and leases to core deposits | 65.7824% | 3,262 |
| Total domestic deposits to total assets | 89.4043% | 1,124 |
| Equity capital to assets | 9.2465% | 3,447 |
| Core capital (leverage) ratio | 10.1673% | 2,365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,752,949,000 | 595 |
| Average earning assets | $1,656,971,000 | 578 |
| Average equity | $168,310,000 | 637 |
| Average total loans | $1,019,999,500 | 664 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4364% | 4,146 |
| Cost of funding earning assets | 0.4242% | 3,435 |
| Net interest margin | 3.0122% | 3,856 |
| Noninterest income to average assets | 0.4223% | 3,007 |
| Noninterest expense to average assets | 2.1753% | 3,739 |
| Loan and lease loss provision to assets | 0.2041% | 1,925 |
| Net operating income to assets | 0.7102% | 3,400 |
| Return on assets (ROA) | 0.7795% | 3,294 |
| Pretax return on assets | 0.9665% | 3,150 |
| Return on Equity (ROE) | 7.5418% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.5418% | 1,186 |
| Net charge-offs to loans | 0.0033% | 3,261 |
| Credit loss provision to net charge-offs | 9,538.2353% | 111 |
| Earnings coverage of net charge-offs (x) | 507.0588% | 231 |
| Efficiency ratio | 66.7214% | 2,406 |
| Assets per employee ($millions) | 8.5543% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7375% | 4,527 |
| Loan loss allowance to noncurrent loans | 206.1175% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2150% | 3,218 |
| Noncurrent loans to loans | 0.3578% | 2,915 |
| Net loans and leases to total assets | 59.6397% | 2,908 |
| Net loans and leases to deposits | 67.3718% | 3,147 |
| Net loans and leases to core deposits | 71.2267% | 3,157 |
| Total domestic deposits to total assets | 88.5232% | 1,213 |
| Equity capital to assets | 9.9740% | 3,153 |
| Core capital (leverage) ratio | 10.3027% | 2,314 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,588,996,800 | 585 |
| Average earning assets | $1,497,041,200 | 572 |
| Average equity | $164,232,400 | 623 |
| Average total loans | $1,028,598,200 | 620 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 4,190 |
| Cost of funding earning assets | 0.4572% | 3,483 |
| Net interest margin | 3.0550% | 3,850 |
| Noninterest income to average assets | 0.4176% | 2,995 |
| Noninterest expense to average assets | 2.2578% | 3,537 |
| Loan and lease loss provision to assets | 0.1736% | 2,250 |
| Net operating income to assets | 0.6366% | 3,674 |
| Return on assets (ROA) | 0.7231% | 3,481 |
| Pretax return on assets | 0.9725% | 3,155 |
| Return on Equity (ROE) | 6.9301% | 3,226 |
| Retained earnings to average equity (ytd only) | 6.9301% | 1,730 |
| Net charge-offs to loans | 0.0070% | 2,871 |
| Credit loss provision to net charge-offs | 3,757.4074% | 285 |
| Earnings coverage of net charge-offs (x) | 224.3889% | 458 |
| Efficiency ratio | 68.5346% | 2,105 |
| Assets per employee ($millions) | 8.5292% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 4,699 |
| Loan loss allowance to noncurrent loans | 255.5153% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 3,676 |
| Noncurrent loans to loans | 0.2425% | 3,432 |
| Net loans and leases to total assets | 60.5834% | 3,154 |
| Net loans and leases to deposits | 68.5763% | 3,426 |
| Net loans and leases to core deposits | 72.3893% | 3,443 |
| Total domestic deposits to total assets | 88.3444% | 1,036 |
| Equity capital to assets | 9.9752% | 3,250 |
| Core capital (leverage) ratio | 10.3573% | 2,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,558,532,750 | 582 |
| Average earning assets | $1,467,601,250 | 565 |
| Average equity | $162,630,250 | 622 |
| Average total loans | $1,028,765,750 | 616 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6308% | 4,213 |
| Cost of funding earning assets | 0.4889% | 3,598 |
| Net interest margin | 3.1419% | 3,804 |
| Noninterest income to average assets | 0.4215% | 2,964 |
| Noninterest expense to average assets | 2.3993% | 3,262 |
| Loan and lease loss provision to assets | 0.1072% | 2,936 |
| Net operating income to assets | 0.6429% | 3,603 |
| Return on assets (ROA) | 0.7369% | 3,373 |
| Pretax return on assets | 0.9933% | 3,053 |
| Return on Equity (ROE) | 6.9491% | 3,152 |
| Retained earnings to average equity (ytd only) | 6.9491% | 1,684 |
| Net charge-offs to loans | -0.0082% | 4,152 |
| Credit loss provision to net charge-offs | -1,938.0952% | 3,885 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9665% | 1,827 |
| Assets per employee ($millions) | 8.0935% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5050% | 4,829 |
| Loan loss allowance to noncurrent loans | 261.1389% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 3,914 |
| Noncurrent loans to loans | 0.1934% | 3,686 |
| Net loans and leases to total assets | 63.6347% | 2,928 |
| Net loans and leases to deposits | 72.2402% | 3,236 |
| Net loans and leases to core deposits | 76.1999% | 3,267 |
| Total domestic deposits to total assets | 88.0877% | 1,129 |
| Equity capital to assets | 10.1802% | 3,039 |
| Core capital (leverage) ratio | 10.7239% | 2,174 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,517,962,667 | 583 |
| Average earning assets | $1,429,759,333 | 566 |
| Average equity | $160,971,000 | 624 |
| Average total loans | $1,030,256,000 | 599 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8064% | 4,223 |
| Cost of funding earning assets | 0.5447% | 3,721 |
| Net interest margin | 3.2617% | 3,686 |
| Noninterest income to average assets | 0.4726% | 2,692 |
| Noninterest expense to average assets | 2.6367% | 2,866 |
| Loan and lease loss provision to assets | 0.0033% | 3,695 |
| Net operating income to assets | 0.6675% | 3,375 |
| Return on assets (ROA) | 0.8068% | 2,971 |
| Pretax return on assets | 1.0870% | 2,566 |
| Return on Equity (ROE) | 7.4436% | 2,765 |
| Retained earnings to average equity (ytd only) | 7.4436% | 1,396 |
| Net charge-offs to loans | -0.0051% | 3,872 |
| Credit loss provision to net charge-offs | -92.3077% | 3,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2611% | 1,778 |
| Assets per employee ($millions) | 7.2039% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4248% | 4,931 |
| Loan loss allowance to noncurrent loans | 286.8232% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 4,099 |
| Noncurrent loans to loans | 0.1481% | 3,926 |
| Net loans and leases to total assets | 69.4585% | 2,325 |
| Net loans and leases to deposits | 80.1546% | 2,659 |
| Net loans and leases to core deposits | 85.4229% | 2,724 |
| Total domestic deposits to total assets | 86.6556% | 1,712 |
| Equity capital to assets | 10.8255% | 3,023 |
| Core capital (leverage) ratio | 11.2712% | 2,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,467,592,500 | 575 |
| Average earning assets | $1,384,915,500 | 563 |
| Average equity | $159,063,000 | 623 |
| Average total loans | $1,027,741,500 | 584 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0091% | 4,240 |
| Cost of funding earning assets | 0.5395% | 3,924 |
| Net interest margin | 3.4696% | 3,536 |
| Noninterest income to average assets | 0.5202% | 2,625 |
| Noninterest expense to average assets | 2.7299% | 2,802 |
| Loan and lease loss provision to assets | 0.0060% | 3,887 |
| Net operating income to assets | 0.7780% | 3,619 |
| Return on assets (ROA) | 0.7877% | 3,671 |
| Pretax return on assets | 1.0674% | 3,275 |
| Return on Equity (ROE) | 7.2419% | 3,469 |
| Retained earnings to average equity (ytd only) | 7.2419% | 1,282 |
| Net charge-offs to loans | 0.0733% | 2,044 |
| Credit loss provision to net charge-offs | 11.2299% | 3,351 |
| Earnings coverage of net charge-offs (x) | 19.7914% | 1,976 |
| Efficiency ratio | 72.0098% | 1,867 |
| Assets per employee ($millions) | 7.0789% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4285% | 4,963 |
| Loan loss allowance to noncurrent loans | 213.3724% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.1478% | 3,893 |
| Noncurrent loans to loans | 0.2008% | 3,737 |
| Net loans and leases to total assets | 70.0083% | 2,393 |
| Net loans and leases to deposits | 81.1386% | 2,650 |
| Net loans and leases to core deposits | 86.5774% | 2,748 |
| Total domestic deposits to total assets | 86.2824% | 1,941 |
| Equity capital to assets | 10.8515% | 3,138 |
| Core capital (leverage) ratio | 11.2999% | 2,253 |
| Tier 1 risk-based capital ratio | 17.2059% | 1,993 |
| Total risk-based capital ratio | 17.6711% | 2,183 |
| Memoranda: | ||
| Average total assets | $1,395,132,600 | 586 |
| Average earning assets | $1,315,218,000 | 568 |
| Average equity | $151,742,200 | 613 |
| Average total loans | $1,020,744,800 | 561 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0457% | 4,270 |
| Cost of funding earning assets | 0.5288% | 4,034 |
| Net interest margin | 3.5168% | 3,518 |
| Noninterest income to average assets | 0.5179% | 2,620 |
| Noninterest expense to average assets | 2.7843% | 2,607 |
| Loan and lease loss provision to assets | 0.0053% | 3,769 |
| Net operating income to assets | 0.7675% | 3,781 |
| Return on assets (ROA) | 0.7812% | 3,803 |
| Pretax return on assets | 1.0581% | 3,422 |
| Return on Equity (ROE) | 7.1779% | 3,616 |
| Retained earnings to average equity (ytd only) | 7.1779% | 1,771 |
| Net charge-offs to loans | 0.0149% | 2,864 |
| Credit loss provision to net charge-offs | 48.2456% | 2,803 |
| Earnings coverage of net charge-offs (x) | 95.0590% | 777 |
| Efficiency ratio | 72.6883% | 1,741 |
| Assets per employee ($millions) | 6.8387% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4899% | 4,985 |
| Loan loss allowance to noncurrent loans | 149.5044% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.2352% | 3,630 |
| Noncurrent loans to loans | 0.3277% | 3,359 |
| Net loans and leases to total assets | 71.4131% | 2,260 |
| Net loans and leases to deposits | 82.8924% | 2,582 |
| Net loans and leases to core deposits | 88.3877% | 2,695 |
| Total domestic deposits to total assets | 86.1516% | 1,924 |
| Equity capital to assets | 11.0053% | 3,099 |
| Core capital (leverage) ratio | 11.3994% | 2,299 |
| Tier 1 risk-based capital ratio | 17.0069% | 2,085 |
| Total risk-based capital ratio | 17.5400% | 2,267 |
| Memoranda: | ||
| Average total assets | $1,381,120,250 | 590 |
| Average earning assets | $1,300,918,000 | 576 |
| Average equity | $150,309,000 | 620 |
| Average total loans | $1,020,851,000 | 564 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0508% | 4,279 |
| Cost of funding earning assets | 0.5092% | 4,076 |
| Net interest margin | 3.5415% | 3,460 |
| Noninterest income to average assets | 0.5125% | 2,608 |
| Noninterest expense to average assets | 2.8582% | 2,390 |
| Loan and lease loss provision to assets | 0.0051% | 3,625 |
| Net operating income to assets | 0.7244% | 3,920 |
| Return on assets (ROA) | 0.7300% | 3,957 |
| Pretax return on assets | 0.9905% | 3,580 |
| Return on Equity (ROE) | 6.7335% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.7335% | 1,933 |
| Net charge-offs to loans | 0.0018% | 3,118 |
| Credit loss provision to net charge-offs | 388.8889% | 735 |
| Earnings coverage of net charge-offs (x) | 752.2222% | 106 |
| Efficiency ratio | 74.3006% | 1,609 |
| Assets per employee ($millions) | 6.7599% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4950% | 5,027 |
| Loan loss allowance to noncurrent loans | 143.8886% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.2514% | 3,567 |
| Noncurrent loans to loans | 0.3440% | 3,313 |
| Net loans and leases to total assets | 72.7203% | 2,108 |
| Net loans and leases to deposits | 84.2357% | 2,470 |
| Net loans and leases to core deposits | 89.2472% | 2,663 |
| Total domestic deposits to total assets | 86.3295% | 1,880 |
| Equity capital to assets | 10.8614% | 3,215 |
| Core capital (leverage) ratio | 11.4020% | 2,240 |
| Tier 1 risk-based capital ratio | 17.1784% | 2,034 |
| Total risk-based capital ratio | 17.7369% | 2,189 |
| Memoranda: | ||
| Average total assets | $1,369,622,670 | 598 |
| Average earning assets | $1,289,437,670 | 577 |
| Average equity | $148,481,330 | 624 |
| Average total loans | $1,022,498,000 | 557 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 4,244 |
| Cost of funding earning assets | 0.4843% | 4,131 |
| Net interest margin | 3.5724% | 3,355 |
| Noninterest income to average assets | 0.5019% | 2,546 |
| Noninterest expense to average assets | 2.9729% | 2,069 |
| Loan and lease loss provision to assets | 0.0050% | 3,362 |
| Net operating income to assets | 0.6610% | 4,058 |
| Return on assets (ROA) | 0.6628% | 4,087 |
| Pretax return on assets | 0.8934% | 3,787 |
| Return on Equity (ROE) | 6.1201% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.1201% | 2,409 |
| Net charge-offs to loans | 0.0286% | 1,888 |
| Credit loss provision to net charge-offs | 23.2877% | 2,119 |
| Earnings coverage of net charge-offs (x) | 41.5753% | 1,128 |
| Efficiency ratio | 76.8391% | 1,401 |
| Assets per employee ($millions) | 6.5465% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4887% | 5,092 |
| Loan loss allowance to noncurrent loans | 185.6823% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 0.1970% | 3,824 |
| Noncurrent loans to loans | 0.2632% | 3,618 |
| Net loans and leases to total assets | 74.4783% | 1,718 |
| Net loans and leases to deposits | 86.2653% | 2,100 |
| Net loans and leases to core deposits | 91.3633% | 2,360 |
| Total domestic deposits to total assets | 86.3364% | 2,128 |
| Equity capital to assets | 10.8331% | 3,015 |
| Core capital (leverage) ratio | 11.3461% | 2,245 |
| Tier 1 risk-based capital ratio | 17.0971% | 2,079 |
| Total risk-based capital ratio | 17.6538% | 2,245 |
| Memoranda: | ||
| Average total assets | $1,354,779,500 | 607 |
| Average earning assets | $1,276,909,000 | 589 |
| Average equity | $146,730,000 | 627 |
| Average total loans | $1,022,425,000 | 563 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9911% | 4,058 |
| Cost of funding earning assets | 0.4103% | 3,924 |
| Net interest margin | 3.5808% | 3,447 |
| Noninterest income to average assets | 0.5661% | 2,466 |
| Noninterest expense to average assets | 2.7252% | 2,944 |
| Loan and lease loss provision to assets | 0.0059% | 3,997 |
| Net operating income to assets | 0.8965% | 3,449 |
| Return on assets (ROA) | 0.9146% | 3,372 |
| Pretax return on assets | 1.2339% | 2,763 |
| Return on Equity (ROE) | 8.8306% | 3,078 |
| Retained earnings to average equity (ytd only) | 8.8306% | 928 |
| Net charge-offs to loans | 0.0141% | 3,207 |
| Credit loss provision to net charge-offs | 54.7945% | 3,147 |
| Earnings coverage of net charge-offs (x) | 112.3082% | 680 |
| Efficiency ratio | 69.1287% | 2,361 |
| Assets per employee ($millions) | 6.5116% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4910% | 5,133 |
| Loan loss allowance to noncurrent loans | 252.4311% | 1,861 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 4,091 |
| Noncurrent loans to loans | 0.1945% | 3,881 |
| Net loans and leases to total assets | 75.7247% | 1,660 |
| Net loans and leases to deposits | 87.5422% | 2,112 |
| Net loans and leases to core deposits | 92.5745% | 2,357 |
| Total domestic deposits to total assets | 86.5008% | 2,018 |
| Equity capital to assets | 10.8279% | 2,868 |
| Core capital (leverage) ratio | 11.2198% | 2,331 |
| Tier 1 risk-based capital ratio | 16.8811% | 2,105 |
| Total risk-based capital ratio | 17.4452% | 2,286 |
| Memoranda: | ||
| Average total assets | $1,347,326,200 | 587 |
| Average earning assets | $1,270,314,400 | 575 |
| Average equity | $139,537,000 | 621 |
| Average total loans | $1,034,159,200 | 546 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 4,031 |
| Cost of funding earning assets | 0.4033% | 3,837 |
| Net interest margin | 3.5627% | 3,483 |
| Noninterest income to average assets | 0.5224% | 2,730 |
| Noninterest expense to average assets | 2.6941% | 2,992 |
| Loan and lease loss provision to assets | 0.0058% | 3,860 |
| Net operating income to assets | 0.8680% | 3,670 |
| Return on assets (ROA) | 0.8921% | 3,577 |
| Pretax return on assets | 1.2121% | 2,948 |
| Return on Equity (ROE) | 8.7131% | 3,234 |
| Retained earnings to average equity (ytd only) | 8.7131% | 1,338 |
| Net charge-offs to loans | 0.0161% | 2,853 |
| Credit loss provision to net charge-offs | 47.2000% | 2,855 |
| Earnings coverage of net charge-offs (x) | 95.9854% | 779 |
| Efficiency ratio | 69.4085% | 2,285 |
| Assets per employee ($millions) | 6.6104% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4919% | 5,197 |
| Loan loss allowance to noncurrent loans | 172.9396% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 3,813 |
| Noncurrent loans to loans | 0.2844% | 3,668 |
| Net loans and leases to total assets | 75.5454% | 1,724 |
| Net loans and leases to deposits | 87.6910% | 2,194 |
| Net loans and leases to core deposits | 92.7505% | 2,411 |
| Total domestic deposits to total assets | 86.1496% | 2,122 |
| Equity capital to assets | 10.5049% | 3,138 |
| Core capital (leverage) ratio | 10.9406% | 2,635 |
| Tier 1 risk-based capital ratio | 16.4796% | 2,280 |
| Total risk-based capital ratio | 17.0427% | 2,464 |
| Memoranda: | ||
| Average total assets | $1,347,184,500 | 586 |
| Average earning assets | $1,270,247,000 | 571 |
| Average equity | $137,934,000 | 621 |
| Average total loans | $1,036,268,000 | 541 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8815% | 4,123 |
| Cost of funding earning assets | 0.3969% | 3,742 |
| Net interest margin | 3.4847% | 3,690 |
| Noninterest income to average assets | 0.5208% | 2,747 |
| Noninterest expense to average assets | 2.6935% | 3,036 |
| Loan and lease loss provision to assets | 0.0064% | 3,710 |
| Net operating income to assets | 0.8166% | 3,802 |
| Return on assets (ROA) | 0.8527% | 3,663 |
| Pretax return on assets | 1.1526% | 3,126 |
| Return on Equity (ROE) | 8.4014% | 3,313 |
| Retained earnings to average equity (ytd only) | 8.4014% | 1,446 |
| Net charge-offs to loans | 0.0156% | 2,620 |
| Credit loss provision to net charge-offs | 53.0864% | 2,478 |
| Earnings coverage of net charge-offs (x) | 92.5432% | 735 |
| Efficiency ratio | 70.7564% | 2,200 |
| Assets per employee ($millions) | 6.7448% | 1,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4803% | 5,282 |
| Loan loss allowance to noncurrent loans | 165.7610% | 2,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2328% | 3,839 |
| Noncurrent loans to loans | 0.2898% | 3,664 |
| Net loans and leases to total assets | 76.6280% | 1,545 |
| Net loans and leases to deposits | 90.3596% | 1,793 |
| Net loans and leases to core deposits | 95.6817% | 2,088 |
| Total domestic deposits to total assets | 84.8033% | 2,749 |
| Equity capital to assets | 10.1474% | 3,492 |
| Core capital (leverage) ratio | 10.6802% | 2,832 |
| Tier 1 risk-based capital ratio | 15.4515% | 2,660 |
| Total risk-based capital ratio | 15.9944% | 2,925 |
| Memoranda: | ||
| Average total assets | $1,346,736,330 | 585 |
| Average earning assets | $1,269,906,670 | 569 |
| Average equity | $136,691,330 | 626 |
| Average total loans | $1,040,428,000 | 539 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8389% | 4,111 |
| Cost of funding earning assets | 0.3858% | 3,691 |
| Net interest margin | 3.4532% | 3,694 |
| Noninterest income to average assets | 0.5173% | 2,707 |
| Noninterest expense to average assets | 2.7504% | 2,871 |
| Loan and lease loss provision to assets | 0.0027% | 3,484 |
| Net operating income to assets | 0.7578% | 3,883 |
| Return on assets (ROA) | 0.7940% | 3,735 |
| Pretax return on assets | 1.0702% | 3,278 |
| Return on Equity (ROE) | 7.8219% | 3,458 |
| Retained earnings to average equity (ytd only) | 7.8219% | 1,910 |
| Net charge-offs to loans | 0.0101% | 2,390 |
| Credit loss provision to net charge-offs | 34.6154% | 2,042 |
| Earnings coverage of net charge-offs (x) | 131.8846% | 494 |
| Efficiency ratio | 72.8116% | 2,070 |
| Assets per employee ($millions) | 6.6692% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4894% | 5,343 |
| Loan loss allowance to noncurrent loans | 187.4309% | 2,372 |
| Noncurrent assets plus other real estate owned to assets | 0.2024% | 4,070 |
| Noncurrent loans to loans | 0.2611% | 3,828 |
| Net loans and leases to total assets | 77.1288% | 1,367 |
| Net loans and leases to deposits | 90.4030% | 1,642 |
| Net loans and leases to core deposits | 95.5745% | 2,008 |
| Total domestic deposits to total assets | 85.3166% | 2,824 |
| Equity capital to assets | 10.1697% | 3,428 |
| Core capital (leverage) ratio | 10.5914% | 2,858 |
| Tier 1 risk-based capital ratio | 15.3591% | 2,712 |
| Total risk-based capital ratio | 15.9128% | 2,955 |
| Memoranda: | ||
| Average total assets | $1,335,502,500 | 596 |
| Average earning assets | $1,260,867,500 | 579 |
| Average equity | $135,568,000 | 631 |
| Average total loans | $1,033,513,500 | 545 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7626% | 4,176 |
| Cost of funding earning assets | 0.3836% | 3,399 |
| Net interest margin | 3.3790% | 3,912 |
| Noninterest income to average assets | 0.5270% | 2,839 |
| Noninterest expense to average assets | 2.5274% | 3,684 |
| Loan and lease loss provision to assets | 0.0059% | 4,145 |
| Net operating income to assets | 0.5882% | 4,062 |
| Return on assets (ROA) | 0.7550% | 3,408 |
| Pretax return on assets | 1.4362% | 1,868 |
| Return on Equity (ROE) | 7.5353% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.5353% | 910 |
| Net charge-offs to loans | 0.0095% | 3,756 |
| Credit loss provision to net charge-offs | 81.0526% | 2,928 |
| Earnings coverage of net charge-offs (x) | 163.0316% | 451 |
| Efficiency ratio | 68.1474% | 2,870 |
| Assets per employee ($millions) | 6.6859% | 1,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4963% | 5,392 |
| Loan loss allowance to noncurrent loans | 196.0799% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,159 |
| Noncurrent loans to loans | 0.2531% | 3,877 |
| Net loans and leases to total assets | 76.8827% | 1,447 |
| Net loans and leases to deposits | 90.9533% | 1,656 |
| Net loans and leases to core deposits | 95.9858% | 2,021 |
| Total domestic deposits to total assets | 84.5299% | 3,028 |
| Equity capital to assets | 10.1323% | 3,558 |
| Core capital (leverage) ratio | 10.4050% | 2,961 |
| Tier 1 risk-based capital ratio | 15.2017% | 2,747 |
| Total risk-based capital ratio | 15.7636% | 3,002 |
| Memoranda: | ||
| Average total assets | $1,311,073,000 | 585 |
| Average earning assets | $1,234,529,600 | 569 |
| Average equity | $131,368,200 | 628 |
| Average total loans | $999,062,800 | 542 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7335% | 4,232 |
| Cost of funding earning assets | 0.3780% | 3,388 |
| Net interest margin | 3.3555% | 3,993 |
| Noninterest income to average assets | 0.5294% | 2,841 |
| Noninterest expense to average assets | 2.5081% | 3,704 |
| Loan and lease loss provision to assets | 0.0045% | 4,031 |
| Net operating income to assets | 0.8152% | 3,463 |
| Return on assets (ROA) | 1.0593% | 2,324 |
| Pretax return on assets | 1.5224% | 1,699 |
| Return on Equity (ROE) | 10.6024% | 1,857 |
| Retained earnings to average equity (ytd only) | 10.6024% | 469 |
| Net charge-offs to loans | 0.0120% | 3,308 |
| Credit loss provision to net charge-offs | 49.4382% | 2,919 |
| Earnings coverage of net charge-offs (x) | 129.6894% | 593 |
| Efficiency ratio | 68.0401% | 2,868 |
| Assets per employee ($millions) | 6.7770% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5002% | 5,466 |
| Loan loss allowance to noncurrent loans | 182.4227% | 2,395 |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 4,234 |
| Noncurrent loans to loans | 0.2742% | 3,967 |
| Net loans and leases to total assets | 76.3973% | 1,516 |
| Net loans and leases to deposits | 91.2698% | 1,655 |
| Net loans and leases to core deposits | 96.6826% | 2,003 |
| Total domestic deposits to total assets | 83.7049% | 3,227 |
| Equity capital to assets | 10.2725% | 3,615 |
| Core capital (leverage) ratio | 10.5994% | 2,881 |
| Tier 1 risk-based capital ratio | 15.4315% | 2,730 |
| Total risk-based capital ratio | 15.9977% | 2,970 |
| Memoranda: | ||
| Average total assets | $1,306,215,750 | 590 |
| Average earning assets | $1,228,930,000 | 569 |
| Average equity | $130,507,500 | 636 |
| Average total loans | $991,821,500 | 546 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 4,210 |
| Cost of funding earning assets | 0.3761% | 3,323 |
| Net interest margin | 3.3316% | 4,012 |
| Noninterest income to average assets | 0.5223% | 2,881 |
| Noninterest expense to average assets | 2.5324% | 3,645 |
| Loan and lease loss provision to assets | 0.0028% | 3,842 |
| Net operating income to assets | 0.8154% | 3,330 |
| Return on assets (ROA) | 1.1981% | 1,638 |
| Pretax return on assets | 1.6441% | 1,213 |
| Return on Equity (ROE) | 12.1064% | 1,270 |
| Retained earnings to average equity (ytd only) | 12.1064% | 310 |
| Net charge-offs to loans | 0.0102% | 3,102 |
| Credit loss provision to net charge-offs | 36.0000% | 2,674 |
| Earnings coverage of net charge-offs (x) | 146.0800% | 510 |
| Efficiency ratio | 69.2838% | 2,804 |
| Assets per employee ($millions) | 6.7171% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5123% | 5,504 |
| Loan loss allowance to noncurrent loans | 185.7612% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 4,333 |
| Noncurrent loans to loans | 0.2758% | 4,054 |
| Net loans and leases to total assets | 75.4434% | 1,623 |
| Net loans and leases to deposits | 89.8937% | 1,743 |
| Net loans and leases to core deposits | 95.4357% | 2,032 |
| Total domestic deposits to total assets | 83.9252% | 3,226 |
| Equity capital to assets | 10.1046% | 3,792 |
| Core capital (leverage) ratio | 10.5044% | 2,910 |
| Tier 1 risk-based capital ratio | 15.2943% | 2,802 |
| Total risk-based capital ratio | 15.8673% | 3,022 |
| Memoranda: | ||
| Average total assets | $1,301,113,670 | 591 |
| Average earning assets | $1,223,481,670 | 575 |
| Average equity | $128,758,670 | 642 |
| Average total loans | $984,201,330 | 550 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6653% | 4,219 |
| Cost of funding earning assets | 0.3777% | 3,226 |
| Net interest margin | 3.2876% | 4,056 |
| Noninterest income to average assets | 0.5062% | 2,938 |
| Noninterest expense to average assets | 2.6087% | 3,468 |
| Loan and lease loss provision to assets | 0.0003% | 3,536 |
| Net operating income to assets | 0.7884% | 3,275 |
| Return on assets (ROA) | 1.6191% | 669 |
| Pretax return on assets | 2.0392% | 469 |
| Return on Equity (ROE) | 16.5372% | 459 |
| Retained earnings to average equity (ytd only) | 16.5372% | 179 |
| Net charge-offs to loans | 0.0147% | 2,506 |
| Credit loss provision to net charge-offs | 2.7778% | 2,266 |
| Earnings coverage of net charge-offs (x) | 88.9722% | 601 |
| Efficiency ratio | 72.5300% | 2,481 |
| Assets per employee ($millions) | 6.8237% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5155% | 5,584 |
| Loan loss allowance to noncurrent loans | 138.1418% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 3,686 |
| Noncurrent loans to loans | 0.3732% | 3,756 |
| Net loans and leases to total assets | 74.9038% | 1,599 |
| Net loans and leases to deposits | 89.4172% | 1,613 |
| Net loans and leases to core deposits | 94.7782% | 1,911 |
| Total domestic deposits to total assets | 83.7690% | 3,566 |
| Equity capital to assets | 9.8949% | 3,882 |
| Core capital (leverage) ratio | 10.3684% | 3,033 |
| Tier 1 risk-based capital ratio | 15.2249% | 2,860 |
| Total risk-based capital ratio | 15.8056% | 3,103 |
| Memoranda: | ||
| Average total assets | $1,296,758,000 | 597 |
| Average earning assets | $1,218,992,500 | 578 |
| Average equity | $126,962,000 | 648 |
| Average total loans | $979,669,500 | 553 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6542% | 4,359 |
| Cost of funding earning assets | 0.3932% | 3,064 |
| Net interest margin | 3.2610% | 4,262 |
| Noninterest income to average assets | 0.5709% | 2,811 |
| Noninterest expense to average assets | 2.4895% | 4,050 |
| Loan and lease loss provision to assets | 0.0064% | 4,235 |
| Net operating income to assets | 0.7106% | 3,737 |
| Return on assets (ROA) | 0.7106% | 3,853 |
| Pretax return on assets | 1.1373% | 2,943 |
| Return on Equity (ROE) | 7.3482% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.3482% | 1,095 |
| Net charge-offs to loans | 0.0254% | 3,536 |
| Credit loss provision to net charge-offs | 33.3333% | 3,554 |
| Earnings coverage of net charge-offs (x) | 59.4333% | 899 |
| Efficiency ratio | 68.5205% | 3,159 |
| Assets per employee ($millions) | 6.6496% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5263% | 5,634 |
| Loan loss allowance to noncurrent loans | 125.5825% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 3,658 |
| Noncurrent loans to loans | 0.4191% | 3,641 |
| Net loans and leases to total assets | 75.4096% | 1,615 |
| Net loans and leases to deposits | 90.0506% | 1,677 |
| Net loans and leases to core deposits | 95.5797% | 1,959 |
| Total domestic deposits to total assets | 83.7413% | 3,524 |
| Equity capital to assets | 9.6844% | 4,091 |
| Core capital (leverage) ratio | 10.1081% | 3,352 |
| Tier 1 risk-based capital ratio | 14.7966% | 3,050 |
| Total risk-based capital ratio | 15.3879% | 3,310 |
| Memoranda: | ||
| Average total assets | $1,247,158,600 | 593 |
| Average earning assets | $1,171,159,600 | 577 |
| Average equity | $120,601,200 | 662 |
| Average total loans | $945,529,200 | 537 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6571% | 4,379 |
| Cost of funding earning assets | 0.3941% | 3,078 |
| Net interest margin | 3.2630% | 4,300 |
| Noninterest income to average assets | 0.5668% | 2,837 |
| Noninterest expense to average assets | 2.5109% | 3,952 |
| Loan and lease loss provision to assets | 0.0054% | 4,122 |
| Net operating income to assets | 0.6971% | 3,868 |
| Return on assets (ROA) | 0.6971% | 3,997 |
| Pretax return on assets | 1.1107% | 3,184 |
| Return on Equity (ROE) | 7.2113% | 3,442 |
| Retained earnings to average equity (ytd only) | 7.2113% | 1,524 |
| Net charge-offs to loans | 0.0297% | 3,063 |
| Credit loss provision to net charge-offs | 23.9234% | 3,267 |
| Earnings coverage of net charge-offs (x) | 49.5885% | 1,081 |
| Efficiency ratio | 69.2280% | 3,012 |
| Assets per employee ($millions) | 6.5411% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5299% | 5,703 |
| Loan loss allowance to noncurrent loans | 151.1065% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 4,074 |
| Noncurrent loans to loans | 0.3507% | 3,994 |
| Net loans and leases to total assets | 75.3684% | 1,642 |
| Net loans and leases to deposits | 89.9431% | 1,760 |
| Net loans and leases to core deposits | 95.4280% | 2,059 |
| Total domestic deposits to total assets | 83.7957% | 3,275 |
| Equity capital to assets | 9.6445% | 4,520 |
| Core capital (leverage) ratio | 10.0542% | 3,498 |
| Tier 1 risk-based capital ratio | 14.6271% | 3,223 |
| Total risk-based capital ratio | 15.2260% | 3,492 |
| Memoranda: | ||
| Average total assets | $1,238,105,250 | 595 |
| Average earning assets | $1,161,146,000 | 577 |
| Average equity | $119,679,750 | 673 |
| Average total loans | $938,685,000 | 538 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6582% | 4,418 |
| Cost of funding earning assets | 0.3927% | 3,122 |
| Net interest margin | 3.2655% | 4,332 |
| Noninterest income to average assets | 0.5757% | 2,750 |
| Noninterest expense to average assets | 2.5667% | 3,829 |
| Loan and lease loss provision to assets | 0.0047% | 3,959 |
| Net operating income to assets | 0.6712% | 3,955 |
| Return on assets (ROA) | 0.6712% | 4,093 |
| Pretax return on assets | 1.0667% | 3,338 |
| Return on Equity (ROE) | 6.9378% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.9378% | 1,634 |
| Net charge-offs to loans | 0.0069% | 3,449 |
| Credit loss provision to net charge-offs | 90.6250% | 2,234 |
| Earnings coverage of net charge-offs (x) | 205.1875% | 320 |
| Efficiency ratio | 70.5495% | 2,898 |
| Assets per employee ($millions) | 6.4622% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5615% | 5,733 |
| Loan loss allowance to noncurrent loans | 154.2531% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.3313% | 4,174 |
| Noncurrent loans to loans | 0.3640% | 4,059 |
| Net loans and leases to total assets | 74.5430% | 1,720 |
| Net loans and leases to deposits | 89.0321% | 1,864 |
| Net loans and leases to core deposits | 94.5495% | 2,106 |
| Total domestic deposits to total assets | 83.7260% | 3,375 |
| Equity capital to assets | 9.6271% | 4,639 |
| Core capital (leverage) ratio | 10.0623% | 3,497 |
| Tier 1 risk-based capital ratio | 14.7162% | 3,198 |
| Total risk-based capital ratio | 15.3487% | 3,464 |
| Memoranda: | ||
| Average total assets | $1,225,638,330 | 601 |
| Average earning assets | $1,149,426,670 | 584 |
| Average equity | $118,567,670 | 676 |
| Average total loans | $929,430,000 | 543 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 4,556 |
| Cost of funding earning assets | 0.3862% | 3,226 |
| Net interest margin | 3.2372% | 4,446 |
| Noninterest income to average assets | 0.5777% | 2,648 |
| Noninterest expense to average assets | 2.6975% | 3,426 |
| Loan and lease loss provision to assets | 0.0020% | 3,649 |
| Net operating income to assets | 0.5883% | 4,232 |
| Return on assets (ROA) | 0.5883% | 4,350 |
| Pretax return on assets | 0.9277% | 3,740 |
| Return on Equity (ROE) | 6.0661% | 3,956 |
| Retained earnings to average equity (ytd only) | 6.0661% | 2,345 |
| Net charge-offs to loans | 0.0104% | 2,776 |
| Credit loss provision to net charge-offs | 25.0000% | 2,259 |
| Earnings coverage of net charge-offs (x) | 117.3333% | 481 |
| Efficiency ratio | 74.3697% | 2,417 |
| Assets per employee ($millions) | 6.3398% | 1,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5677% | 5,795 |
| Loan loss allowance to noncurrent loans | 115.0667% | 3,322 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 3,918 |
| Noncurrent loans to loans | 0.4934% | 3,696 |
| Net loans and leases to total assets | 74.9288% | 1,566 |
| Net loans and leases to deposits | 89.5547% | 1,633 |
| Net loans and leases to core deposits | 95.1999% | 1,870 |
| Total domestic deposits to total assets | 83.6682% | 3,649 |
| Equity capital to assets | 9.5797% | 4,586 |
| Core capital (leverage) ratio | 10.1500% | 3,370 |
| Tier 1 risk-based capital ratio | 14.7229% | 3,274 |
| Total risk-based capital ratio | 15.3660% | 3,536 |
| Memoranda: | ||
| Average total assets | $1,211,627,000 | 605 |
| Average earning assets | $1,141,343,500 | 584 |
| Average equity | $117,506,000 | 682 |
| Average total loans | $924,248,000 | 540 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 4,348 |
| Cost of funding earning assets | 0.4003% | 3,160 |
| Net interest margin | 3.3075% | 4,274 |
| Noninterest income to average assets | 0.6572% | 2,422 |
| Noninterest expense to average assets | 2.7385% | 3,452 |
| Loan and lease loss provision to assets | 0.0073% | 4,253 |
| Net operating income to assets | 0.6322% | 4,127 |
| Return on assets (ROA) | 0.6322% | 4,219 |
| Pretax return on assets | 1.0010% | 3,473 |
| Return on Equity (ROE) | 6.2414% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.2414% | 1,683 |
| Net charge-offs to loans | 0.0379% | 3,469 |
| Credit loss provision to net charge-offs | 25.1515% | 3,706 |
| Earnings coverage of net charge-offs (x) | 34.5848% | 1,309 |
| Efficiency ratio | 73.0889% | 2,728 |
| Assets per employee ($millions) | 6.1831% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5729% | 5,828 |
| Loan loss allowance to noncurrent loans | 105.0328% | 3,579 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 3,674 |
| Noncurrent loans to loans | 0.5454% | 3,526 |
| Net loans and leases to total assets | 76.7924% | 1,287 |
| Net loans and leases to deposits | 91.3652% | 1,467 |
| Net loans and leases to core deposits | 96.7889% | 1,767 |
| Total domestic deposits to total assets | 84.0500% | 3,459 |
| Equity capital to assets | 9.8203% | 4,169 |
| Core capital (leverage) ratio | 10.3149% | 3,143 |
| Tier 1 risk-based capital ratio | 14.7963% | 3,275 |
| Total risk-based capital ratio | 15.4532% | 3,519 |
| Memoranda: | ||
| Average total assets | $1,131,886,600 | 619 |
| Average earning assets | $1,057,334,600 | 608 |
| Average equity | $114,653,000 | 671 |
| Average total loans | $871,591,000 | 543 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7003% | 4,420 |
| Cost of funding earning assets | 0.4014% | 3,212 |
| Net interest margin | 3.2988% | 4,345 |
| Noninterest income to average assets | 0.6526% | 2,466 |
| Noninterest expense to average assets | 2.7531% | 3,371 |
| Loan and lease loss provision to assets | 0.0064% | 4,128 |
| Net operating income to assets | 0.6116% | 4,323 |
| Return on assets (ROA) | 0.6116% | 4,432 |
| Pretax return on assets | 0.9674% | 3,754 |
| Return on Equity (ROE) | 5.9895% | 4,157 |
| Retained earnings to average equity (ytd only) | 5.9895% | 2,257 |
| Net charge-offs to loans | 0.0320% | 3,286 |
| Credit loss provision to net charge-offs | 26.2136% | 3,313 |
| Earnings coverage of net charge-offs (x) | 39.5873% | 1,257 |
| Efficiency ratio | 73.8706% | 2,579 |
| Assets per employee ($millions) | 5.9029% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5956% | 5,902 |
| Loan loss allowance to noncurrent loans | 83.8011% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6534% | 3,295 |
| Noncurrent loans to loans | 0.7107% | 3,200 |
| Net loans and leases to total assets | 77.9327% | 1,107 |
| Net loans and leases to deposits | 93.8926% | 1,218 |
| Net loans and leases to core deposits | 99.8304% | 1,532 |
| Total domestic deposits to total assets | 83.0019% | 3,820 |
| Equity capital to assets | 10.0724% | 4,076 |
| Core capital (leverage) ratio | 10.3955% | 3,169 |
| Tier 1 risk-based capital ratio | 14.9267% | 3,331 |
| Total risk-based capital ratio | 15.6130% | 3,563 |
| Memoranda: | ||
| Average total assets | $1,116,524,750 | 635 |
| Average earning assets | $1,040,547,250 | 626 |
| Average equity | $114,019,000 | 679 |
| Average total loans | $859,071,250 | 549 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6893% | 4,437 |
| Cost of funding earning assets | 0.4056% | 3,217 |
| Net interest margin | 3.2836% | 4,360 |
| Noninterest income to average assets | 0.6423% | 2,517 |
| Noninterest expense to average assets | 2.7842% | 3,296 |
| Loan and lease loss provision to assets | 0.0054% | 3,992 |
| Net operating income to assets | 0.5763% | 4,443 |
| Return on assets (ROA) | 0.5763% | 4,545 |
| Pretax return on assets | 0.9089% | 3,924 |
| Return on Equity (ROE) | 5.6166% | 4,314 |
| Retained earnings to average equity (ytd only) | 5.6166% | 2,456 |
| Net charge-offs to loans | 0.0313% | 3,033 |
| Credit loss provision to net charge-offs | 22.7273% | 2,989 |
| Earnings coverage of net charge-offs (x) | 38.2727% | 1,162 |
| Efficiency ratio | 75.2777% | 2,499 |
| Assets per employee ($millions) | 5.7136% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 5,933 |
| Loan loss allowance to noncurrent loans | 89.2563% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 2,739 |
| Noncurrent loans to loans | 0.7035% | 3,377 |
| Net loans and leases to total assets | 76.6639% | 1,278 |
| Net loans and leases to deposits | 90.9528% | 1,490 |
| Net loans and leases to core deposits | 96.8736% | 1,726 |
| Total domestic deposits to total assets | 84.2897% | 3,456 |
| Equity capital to assets | 10.1610% | 3,852 |
| Core capital (leverage) ratio | 10.5151% | 2,935 |
| Tier 1 risk-based capital ratio | 15.2649% | 3,214 |
| Total risk-based capital ratio | 15.9854% | 3,435 |
| Memoranda: | ||
| Average total assets | $1,105,011,670 | 643 |
| Average earning assets | $1,028,500,330 | 632 |
| Average equity | $113,378,670 | 687 |
| Average total loans | $844,618,330 | 557 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 4,393 |
| Cost of funding earning assets | 0.4178% | 3,107 |
| Net interest margin | 3.2743% | 4,325 |
| Noninterest income to average assets | 0.6228% | 2,537 |
| Noninterest expense to average assets | 2.8594% | 3,034 |
| Loan and lease loss provision to assets | 0.0047% | 3,647 |
| Net operating income to assets | 0.5142% | 4,602 |
| Return on assets (ROA) | 0.5142% | 4,727 |
| Pretax return on assets | 0.8065% | 4,213 |
| Return on Equity (ROE) | 4.9871% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.9871% | 3,062 |
| Net charge-offs to loans | 0.0383% | 2,448 |
| Credit loss provision to net charge-offs | 16.2500% | 2,390 |
| Earnings coverage of net charge-offs (x) | 27.8250% | 1,192 |
| Efficiency ratio | 77.8991% | 2,198 |
| Assets per employee ($millions) | 5.6787% | 1,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6551% | 5,980 |
| Loan loss allowance to noncurrent loans | 84.4286% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 2,765 |
| Noncurrent loans to loans | 0.7759% | 3,315 |
| Net loans and leases to total assets | 74.7786% | 1,391 |
| Net loans and leases to deposits | 89.1841% | 1,485 |
| Net loans and leases to core deposits | 94.7024% | 1,716 |
| Total domestic deposits to total assets | 83.8474% | 3,872 |
| Equity capital to assets | 10.1424% | 3,960 |
| Core capital (leverage) ratio | 10.4848% | 2,981 |
| Tier 1 risk-based capital ratio | 15.5873% | 3,110 |
| Total risk-based capital ratio | 16.3389% | 3,302 |
| Memoranda: | ||
| Average total assets | $1,097,585,000 | 644 |
| Average earning assets | $1,021,654,500 | 630 |
| Average equity | $113,173,000 | 680 |
| Average total loans | $834,949,000 | 558 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7673% | 4,588 |
| Cost of funding earning assets | 0.4714% | 2,967 |
| Net interest margin | 3.2960% | 4,580 |
| Noninterest income to average assets | 0.6908% | 2,343 |
| Noninterest expense to average assets | 2.7408% | 3,710 |
| Loan and lease loss provision to assets | 0.0828% | 2,824 |
| Net operating income to assets | 0.5960% | 4,388 |
| Return on assets (ROA) | 0.6018% | 4,451 |
| Pretax return on assets | 0.9392% | 3,745 |
| Return on Equity (ROE) | 5.8755% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.8755% | 2,002 |
| Net charge-offs to loans | 0.1018% | 3,051 |
| Credit loss provision to net charge-offs | 107.5152% | 2,222 |
| Earnings coverage of net charge-offs (x) | 13.1527% | 2,299 |
| Efficiency ratio | 73.0135% | 3,029 |
| Assets per employee ($millions) | 5.6364% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6608% | 6,059 |
| Loan loss allowance to noncurrent loans | 83.3635% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.9120% | 2,938 |
| Noncurrent loans to loans | 0.7927% | 3,326 |
| Net loans and leases to total assets | 76.3775% | 1,211 |
| Net loans and leases to deposits | 92.2254% | 1,265 |
| Net loans and leases to core deposits | 97.7216% | 1,570 |
| Total domestic deposits to total assets | 82.8161% | 4,138 |
| Equity capital to assets | 10.4828% | 3,508 |
| Core capital (leverage) ratio | 10.3785% | 3,078 |
| Tier 1 risk-based capital ratio | 15.7699% | 3,085 |
| Total risk-based capital ratio | 16.5494% | 3,268 |
| Memoranda: | ||
| Average total assets | $1,071,164,400 | 628 |
| Average earning assets | $995,424,400 | 611 |
| Average equity | $109,709,400 | 669 |
| Average total loans | $810,206,000 | 545 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7454% | 4,726 |
| Cost of funding earning assets | 0.4796% | 2,961 |
| Net interest margin | 3.2657% | 4,735 |
| Noninterest income to average assets | 0.6978% | 2,336 |
| Noninterest expense to average assets | 2.7422% | 3,660 |
| Loan and lease loss provision to assets | 0.0836% | 2,681 |
| Net operating income to assets | 0.5850% | 4,511 |
| Return on assets (ROA) | 0.5927% | 4,565 |
| Pretax return on assets | 0.9197% | 3,905 |
| Return on Equity (ROE) | 5.8216% | 4,324 |
| Retained earnings to average equity (ytd only) | 5.8216% | 2,518 |
| Net charge-offs to loans | 0.0937% | 2,871 |
| Credit loss provision to net charge-offs | 118.4071% | 1,936 |
| Earnings coverage of net charge-offs (x) | 14.0408% | 2,170 |
| Efficiency ratio | 73.4487% | 2,910 |
| Assets per employee ($millions) | 5.5659% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6785% | 6,131 |
| Loan loss allowance to noncurrent loans | 58.2653% | 4,854 |
| Noncurrent assets plus other real estate owned to assets | 1.1457% | 2,658 |
| Noncurrent loans to loans | 1.1645% | 2,732 |
| Net loans and leases to total assets | 75.8886% | 1,239 |
| Net loans and leases to deposits | 92.8910% | 1,145 |
| Net loans and leases to core deposits | 98.2993% | 1,503 |
| Total domestic deposits to total assets | 81.6964% | 4,589 |
| Equity capital to assets | 10.4089% | 3,673 |
| Core capital (leverage) ratio | 10.4285% | 3,123 |
| Tier 1 risk-based capital ratio | 15.6835% | 3,224 |
| Total risk-based capital ratio | 16.4761% | 3,402 |
| Memoranda: | ||
| Average total assets | $1,066,998,250 | 626 |
| Average earning assets | $991,846,000 | 607 |
| Average equity | $108,628,000 | 672 |
| Average total loans | $803,661,500 | 546 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7515% | 4,685 |
| Cost of funding earning assets | 0.4974% | 2,860 |
| Net interest margin | 3.2540% | 4,764 |
| Noninterest income to average assets | 0.6955% | 2,305 |
| Noninterest expense to average assets | 2.7549% | 3,684 |
| Loan and lease loss provision to assets | 0.0832% | 2,640 |
| Net operating income to assets | 0.5747% | 4,485 |
| Return on assets (ROA) | 0.5863% | 4,517 |
| Pretax return on assets | 0.8997% | 3,892 |
| Return on Equity (ROE) | 5.8029% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.8029% | 2,445 |
| Net charge-offs to loans | 0.0526% | 3,212 |
| Credit loss provision to net charge-offs | 210.9524% | 1,116 |
| Earnings coverage of net charge-offs (x) | 24.4619% | 1,432 |
| Efficiency ratio | 74.0569% | 2,968 |
| Assets per employee ($millions) | 5.5187% | 1,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7106% | 6,156 |
| Loan loss allowance to noncurrent loans | 60.4242% | 4,802 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 2,564 |
| Noncurrent loans to loans | 1.1761% | 2,881 |
| Net loans and leases to total assets | 75.1365% | 1,289 |
| Net loans and leases to deposits | 91.1209% | 1,259 |
| Net loans and leases to core deposits | 95.5780% | 1,639 |
| Total domestic deposits to total assets | 82.4580% | 4,487 |
| Equity capital to assets | 10.4783% | 3,463 |
| Core capital (leverage) ratio | 10.3149% | 3,192 |
| Tier 1 risk-based capital ratio | 15.5990% | 3,299 |
| Total risk-based capital ratio | 16.4173% | 3,489 |
| Memoranda: | ||
| Average total assets | $1,064,594,000 | 627 |
| Average earning assets | $989,475,670 | 607 |
| Average equity | $107,566,000 | 674 |
| Average total loans | $797,957,670 | 550 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 4,710 |
| Cost of funding earning assets | 0.5367% | 2,537 |
| Net interest margin | 3.2019% | 4,913 |
| Noninterest income to average assets | 0.6530% | 2,445 |
| Noninterest expense to average assets | 2.8005% | 3,566 |
| Loan and lease loss provision to assets | 0.0802% | 2,545 |
| Net operating income to assets | 0.4968% | 4,710 |
| Return on assets (ROA) | 0.5210% | 4,655 |
| Pretax return on assets | 0.7876% | 4,157 |
| Return on Equity (ROE) | 5.2534% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.2534% | 2,959 |
| Net charge-offs to loans | 0.0080% | 3,473 |
| Credit loss provision to net charge-offs | 1,337.5000% | 248 |
| Earnings coverage of net charge-offs (x) | 138.5625% | 358 |
| Efficiency ratio | 77.1160% | 2,628 |
| Assets per employee ($millions) | 5.5685% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7139% | 6,262 |
| Loan loss allowance to noncurrent loans | 57.3991% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2706% | 2,741 |
| Noncurrent loans to loans | 1.2437% | 2,965 |
| Net loans and leases to total assets | 74.0514% | 1,257 |
| Net loans and leases to deposits | 90.3814% | 1,104 |
| Net loans and leases to core deposits | 94.4513% | 1,517 |
| Total domestic deposits to total assets | 81.9321% | 4,959 |
| Equity capital to assets | 10.2293% | 3,564 |
| Core capital (leverage) ratio | 10.1346% | 3,378 |
| Tier 1 risk-based capital ratio | 15.4119% | 3,493 |
| Total risk-based capital ratio | 16.2279% | 3,675 |
| Memoranda: | ||
| Average total assets | $1,067,098,500 | 630 |
| Average earning assets | $992,660,000 | 614 |
| Average equity | $105,836,000 | 687 |
| Average total loans | $796,020,000 | 548 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7851% | 4,866 |
| Cost of funding earning assets | 0.6620% | 2,106 |
| Net interest margin | 3.1230% | 5,250 |
| Noninterest income to average assets | 0.7392% | 2,335 |
| Noninterest expense to average assets | 2.7758% | 3,812 |
| Loan and lease loss provision to assets | 0.0633% | 3,868 |
| Net operating income to assets | 0.5113% | 4,683 |
| Return on assets (ROA) | 0.5245% | 4,744 |
| Pretax return on assets | 0.8207% | 4,071 |
| Return on Equity (ROE) | 5.6142% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.6142% | 2,204 |
| Net charge-offs to loans | 0.0770% | 4,137 |
| Credit loss provision to net charge-offs | 115.8163% | 2,084 |
| Earnings coverage of net charge-offs (x) | 15.7959% | 1,847 |
| Efficiency ratio | 76.2747% | 2,731 |
| Assets per employee ($millions) | 5.6646% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6842% | 6,363 |
| Loan loss allowance to noncurrent loans | 55.5443% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 2,910 |
| Noncurrent loans to loans | 1.2318% | 3,081 |
| Net loans and leases to total assets | 74.0990% | 1,333 |
| Net loans and leases to deposits | 91.7067% | 1,090 |
| Net loans and leases to core deposits | 96.1620% | 1,445 |
| Total domestic deposits to total assets | 80.8000% | 5,241 |
| Equity capital to assets | 9.6089% | 4,277 |
| Core capital (leverage) ratio | 9.8420% | 3,788 |
| Tier 1 risk-based capital ratio | 15.0479% | 3,638 |
| Total risk-based capital ratio | 15.8257% | 3,851 |
| Memoranda: | ||
| Average total assets | $1,075,720,000 | 611 |
| Average earning assets | $998,897,400 | 600 |
| Average equity | $100,494,600 | 701 |
| Average total loans | $763,456,600 | 552 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7482% | 5,039 |
| Cost of funding earning assets | 0.6853% | 2,057 |
| Net interest margin | 3.0629% | 5,424 |
| Noninterest income to average assets | 0.7453% | 2,385 |
| Noninterest expense to average assets | 2.7609% | 3,791 |
| Loan and lease loss provision to assets | 0.0707% | 3,652 |
| Net operating income to assets | 0.4852% | 4,866 |
| Return on assets (ROA) | 0.4930% | 4,988 |
| Pretax return on assets | 0.7690% | 4,421 |
| Return on Equity (ROE) | 5.3145% | 4,555 |
| Retained earnings to average equity (ytd only) | 5.3145% | 2,867 |
| Net charge-offs to loans | 0.0072% | 5,024 |
| Credit loss provision to net charge-offs | 1,392.6829% | 229 |
| Earnings coverage of net charge-offs (x) | 163.0348% | 345 |
| Efficiency ratio | 76.9379% | 2,570 |
| Assets per employee ($millions) | 5.7080% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7374% | 6,393 |
| Loan loss allowance to noncurrent loans | 57.5076% | 4,916 |
| Noncurrent assets plus other real estate owned to assets | 1.2388% | 3,164 |
| Noncurrent loans to loans | 1.2822% | 3,267 |
| Net loans and leases to total assets | 73.2580% | 1,407 |
| Net loans and leases to deposits | 92.3097% | 961 |
| Net loans and leases to core deposits | 96.6089% | 1,345 |
| Total domestic deposits to total assets | 79.3612% | 5,662 |
| Equity capital to assets | 9.3589% | 4,732 |
| Core capital (leverage) ratio | 9.6949% | 4,112 |
| Tier 1 risk-based capital ratio | 14.7682% | 3,899 |
| Total risk-based capital ratio | 15.6062% | 4,126 |
| Memoranda: | ||
| Average total assets | $1,076,998,250 | 616 |
| Average earning assets | $999,779,500 | 597 |
| Average equity | $99,899,750 | 715 |
| Average total loans | $754,627,250 | 558 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7461% | 4,999 |
| Cost of funding earning assets | 0.7159% | 1,951 |
| Net interest margin | 3.0302% | 5,496 |
| Noninterest income to average assets | 0.7602% | 2,365 |
| Noninterest expense to average assets | 2.7799% | 3,745 |
| Loan and lease loss provision to assets | 0.0629% | 3,753 |
| Net operating income to assets | 0.4666% | 4,942 |
| Return on assets (ROA) | 0.4689% | 5,109 |
| Pretax return on assets | 0.7310% | 4,572 |
| Return on Equity (ROE) | 5.0701% | 4,684 |
| Retained earnings to average equity (ytd only) | 5.0701% | 3,005 |
| Net charge-offs to loans | -0.0281% | 6,084 |
| Credit loss provision to net charge-offs | -325.0000% | 5,823 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8635% | 2,480 |
| Assets per employee ($millions) | 5.5117% | 1,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 6,412 |
| Loan loss allowance to noncurrent loans | 58.9655% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.1780% | 3,396 |
| Noncurrent loans to loans | 1.2968% | 3,387 |
| Net loans and leases to total assets | 70.9319% | 1,732 |
| Net loans and leases to deposits | 87.3604% | 1,418 |
| Net loans and leases to core deposits | 91.6272% | 1,748 |
| Total domestic deposits to total assets | 81.1946% | 5,292 |
| Equity capital to assets | 9.4377% | 4,666 |
| Core capital (leverage) ratio | 9.7333% | 3,891 |
| Tier 1 risk-based capital ratio | 14.8740% | 3,860 |
| Total risk-based capital ratio | 15.7205% | 4,079 |
| Memoranda: | ||
| Average total assets | $1,074,489,670 | 616 |
| Average earning assets | $996,445,670 | 604 |
| Average equity | $99,366,670 | 720 |
| Average total loans | $739,368,670 | 565 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 4,945 |
| Cost of funding earning assets | 0.7669% | 1,731 |
| Net interest margin | 2.9964% | 5,580 |
| Noninterest income to average assets | 0.7353% | 2,403 |
| Noninterest expense to average assets | 2.7904% | 3,734 |
| Loan and lease loss provision to assets | 0.0419% | 3,904 |
| Net operating income to assets | 0.4366% | 4,971 |
| Return on assets (ROA) | 0.4412% | 5,116 |
| Pretax return on assets | 0.6816% | 4,653 |
| Return on Equity (ROE) | 4.8193% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.8193% | 3,343 |
| Net charge-offs to loans | 0.0746% | 3,100 |
| Credit loss provision to net charge-offs | 83.0882% | 2,119 |
| Earnings coverage of net charge-offs (x) | 14.2206% | 1,470 |
| Efficiency ratio | 79.5711% | 2,393 |
| Assets per employee ($millions) | 5.5325% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7291% | 6,549 |
| Loan loss allowance to noncurrent loans | 66.8207% | 4,457 |
| Noncurrent assets plus other real estate owned to assets | 1.0095% | 3,907 |
| Noncurrent loans to loans | 1.0911% | 3,964 |
| Net loans and leases to total assets | 67.8567% | 2,040 |
| Net loans and leases to deposits | 85.1697% | 1,449 |
| Net loans and leases to core deposits | 89.6043% | 1,738 |
| Total domestic deposits to total assets | 79.6724% | 5,827 |
| Equity capital to assets | 9.3496% | 5,063 |
| Core capital (leverage) ratio | 9.4850% | 4,112 |
| Tier 1 risk-based capital ratio | 15.0200% | 3,826 |
| Total risk-based capital ratio | 15.8191% | 4,090 |
| Memoranda: | ||
| Average total assets | $1,079,857,000 | 620 |
| Average earning assets | $998,783,000 | 609 |
| Average equity | $98,853,000 | 737 |
| Average total loans | $728,875,000 | 577 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 5,297 |
| Cost of funding earning assets | 0.9431% | 1,683 |
| Net interest margin | 3.0590% | 5,908 |
| Noninterest income to average assets | 0.8342% | 2,104 |
| Noninterest expense to average assets | 2.7208% | 4,329 |
| Loan and lease loss provision to assets | 0.0568% | 5,070 |
| Net operating income to assets | 0.5573% | 4,444 |
| Return on assets (ROA) | 0.5591% | 4,689 |
| Pretax return on assets | 0.8639% | 4,056 |
| Return on Equity (ROE) | 6.3830% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.3830% | 1,886 |
| Net charge-offs to loans | 0.1094% | 4,577 |
| Credit loss provision to net charge-offs | 80.6579% | 3,811 |
| Earnings coverage of net charge-offs (x) | 13.0289% | 1,871 |
| Efficiency ratio | 74.7726% | 2,937 |
| Assets per employee ($millions) | 5.5714% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7419% | 6,579 |
| Loan loss allowance to noncurrent loans | 64.5518% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 0.9349% | 4,166 |
| Noncurrent loans to loans | 1.1493% | 3,928 |
| Net loans and leases to total assets | 66.1555% | 2,505 |
| Net loans and leases to deposits | 84.3197% | 1,719 |
| Net loans and leases to core deposits | 88.7992% | 1,994 |
| Total domestic deposits to total assets | 78.4580% | 6,003 |
| Equity capital to assets | 8.9613% | 5,564 |
| Core capital (leverage) ratio | 9.3463% | 4,340 |
| Tier 1 risk-based capital ratio | 14.8354% | 3,815 |
| Total risk-based capital ratio | 15.6373% | 4,061 |
| Memoranda: | ||
| Average total assets | $1,078,686,000 | 606 |
| Average earning assets | $988,986,800 | 593 |
| Average equity | $94,484,800 | 749 |
| Average total loans | $694,553,800 | 597 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 5,406 |
| Cost of funding earning assets | 0.9672% | 1,751 |
| Net interest margin | 3.0711% | 6,007 |
| Noninterest income to average assets | 0.8473% | 2,048 |
| Noninterest expense to average assets | 2.7052% | 4,347 |
| Loan and lease loss provision to assets | 0.0714% | 4,778 |
| Net operating income to assets | 0.5785% | 4,482 |
| Return on assets (ROA) | 0.5814% | 4,748 |
| Pretax return on assets | 0.8925% | 4,142 |
| Return on Equity (ROE) | 6.6760% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.6760% | 2,294 |
| Net charge-offs to loans | 0.1096% | 4,295 |
| Credit loss provision to net charge-offs | 102.1239% | 2,883 |
| Earnings coverage of net charge-offs (x) | 13.7151% | 1,892 |
| Efficiency ratio | 73.8174% | 3,021 |
| Assets per employee ($millions) | 5.7136% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8003% | 6,600 |
| Loan loss allowance to noncurrent loans | 62.8237% | 4,531 |
| Noncurrent assets plus other real estate owned to assets | 0.9713% | 4,340 |
| Noncurrent loans to loans | 1.2738% | 3,919 |
| Net loans and leases to total assets | 63.8285% | 3,055 |
| Net loans and leases to deposits | 81.4214% | 2,196 |
| Net loans and leases to core deposits | 86.1050% | 2,449 |
| Total domestic deposits to total assets | 78.3927% | 5,994 |
| Equity capital to assets | 8.9719% | 5,851 |
| Core capital (leverage) ratio | 9.2726% | 4,638 |
| Tier 1 risk-based capital ratio | 15.0711% | 3,802 |
| Total risk-based capital ratio | 15.9227% | 4,035 |
| Memoranda: | ||
| Average total assets | $1,076,753,250 | 609 |
| Average earning assets | $987,808,000 | 600 |
| Average equity | $93,766,750 | 756 |
| Average total loans | $687,168,000 | 600 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1001% | 5,313 |
| Cost of funding earning assets | 0.9904% | 1,823 |
| Net interest margin | 3.1097% | 5,975 |
| Noninterest income to average assets | 0.8721% | 1,887 |
| Noninterest expense to average assets | 2.6985% | 4,433 |
| Loan and lease loss provision to assets | 0.1013% | 4,261 |
| Net operating income to assets | 0.6037% | 4,354 |
| Return on assets (ROA) | 0.6067% | 4,594 |
| Pretax return on assets | 0.9289% | 3,965 |
| Return on Equity (ROE) | 7.0378% | 3,757 |
| Retained earnings to average equity (ytd only) | 7.0378% | 2,082 |
| Net charge-offs to loans | 0.0802% | 4,344 |
| Credit loss provision to net charge-offs | 198.5455% | 1,436 |
| Earnings coverage of net charge-offs (x) | 20.0945% | 1,403 |
| Efficiency ratio | 72.4609% | 3,349 |
| Assets per employee ($millions) | 5.6922% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 6,565 |
| Loan loss allowance to noncurrent loans | 68.1898% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.9475% | 4,470 |
| Noncurrent loans to loans | 1.2496% | 4,052 |
| Net loans and leases to total assets | 62.9560% | 3,242 |
| Net loans and leases to deposits | 80.1403% | 2,358 |
| Net loans and leases to core deposits | 85.1724% | 2,535 |
| Total domestic deposits to total assets | 78.5572% | 6,044 |
| Equity capital to assets | 8.7979% | 5,914 |
| Core capital (leverage) ratio | 9.1771% | 4,645 |
| Tier 1 risk-based capital ratio | 15.0103% | 3,763 |
| Total risk-based capital ratio | 15.9098% | 3,955 |
| Memoranda: | ||
| Average total assets | $1,077,618,670 | 611 |
| Average earning assets | $988,328,670 | 600 |
| Average equity | $92,898,330 | 756 |
| Average total loans | $685,841,000 | 604 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1775% | 5,186 |
| Cost of funding earning assets | 1.0349% | 1,772 |
| Net interest margin | 3.1426% | 5,924 |
| Noninterest income to average assets | 0.8223% | 2,056 |
| Noninterest expense to average assets | 2.7587% | 4,211 |
| Loan and lease loss provision to assets | 0.1154% | 3,911 |
| Net operating income to assets | 0.5582% | 4,551 |
| Return on assets (ROA) | 0.5815% | 4,654 |
| Pretax return on assets | 0.8719% | 4,143 |
| Return on Equity (ROE) | 6.8146% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.8146% | 2,524 |
| Net charge-offs to loans | 0.0075% | 4,626 |
| Credit loss provision to net charge-offs | 2,400.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 198.0769% | 183 |
| Efficiency ratio | 74.3347% | 3,043 |
| Assets per employee ($millions) | 5.6864% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 6,641 |
| Loan loss allowance to noncurrent loans | 55.0686% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 1.1186% | 4,264 |
| Noncurrent loans to loans | 1.5415% | 3,801 |
| Net loans and leases to total assets | 63.2286% | 2,996 |
| Net loans and leases to deposits | 80.5474% | 2,139 |
| Net loans and leases to core deposits | 85.4708% | 2,349 |
| Total domestic deposits to total assets | 78.4986% | 6,189 |
| Equity capital to assets | 8.6099% | 5,984 |
| Core capital (leverage) ratio | 8.8958% | 4,998 |
| Tier 1 risk-based capital ratio | 14.6341% | 3,999 |
| Total risk-based capital ratio | 15.5302% | 4,226 |
| Memoranda: | ||
| Average total assets | $1,081,363,500 | 613 |
| Average earning assets | $994,088,500 | 597 |
| Average equity | $92,273,000 | 757 |
| Average total loans | $689,011,500 | 600 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 5,537 |
| Cost of funding earning assets | 1.2269% | 1,857 |
| Net interest margin | 3.1429% | 6,241 |
| Noninterest income to average assets | 0.6807% | 2,717 |
| Noninterest expense to average assets | 2.5676% | 5,209 |
| Loan and lease loss provision to assets | 0.1387% | 4,886 |
| Net operating income to assets | 0.5692% | 4,154 |
| Return on assets (ROA) | 0.5534% | 4,401 |
| Pretax return on assets | 0.8524% | 3,767 |
| Return on Equity (ROE) | 6.6762% | 3,550 |
| Retained earnings to average equity (ytd only) | 6.6762% | 1,652 |
| Net charge-offs to loans | 0.3100% | 3,849 |
| Credit loss provision to net charge-offs | 71.1703% | 4,810 |
| Earnings coverage of net charge-offs (x) | 5.2112% | 2,868 |
| Efficiency ratio | 71.6607% | 3,646 |
| Assets per employee ($millions) | 5.6666% | 1,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 6,751 |
| Loan loss allowance to noncurrent loans | 45.8236% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 4,205 |
| Noncurrent loans to loans | 1.7388% | 3,555 |
| Net loans and leases to total assets | 63.1573% | 3,365 |
| Net loans and leases to deposits | 83.2017% | 2,039 |
| Net loans and leases to core deposits | 88.7598% | 2,290 |
| Total domestic deposits to total assets | 75.9087% | 6,498 |
| Equity capital to assets | 8.4571% | 6,196 |
| Core capital (leverage) ratio | 8.7110% | 5,233 |
| Tier 1 risk-based capital ratio | 14.2702% | 4,134 |
| Total risk-based capital ratio | 15.1137% | 4,383 |
| Memoranda: | ||
| Average total assets | $1,078,780,000 | 605 |
| Average earning assets | $996,209,800 | 592 |
| Average equity | $89,421,800 | 755 |
| Average total loans | $678,068,600 | 609 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4108% | 5,575 |
| Cost of funding earning assets | 1.2579% | 1,950 |
| Net interest margin | 3.1529% | 6,279 |
| Noninterest income to average assets | 0.6593% | 2,831 |
| Noninterest expense to average assets | 2.5570% | 5,250 |
| Loan and lease loss provision to assets | 0.1210% | 4,922 |
| Net operating income to assets | 0.5815% | 4,167 |
| Return on assets (ROA) | 0.5664% | 4,409 |
| Pretax return on assets | 0.8723% | 3,872 |
| Return on Equity (ROE) | 6.8682% | 3,582 |
| Retained earnings to average equity (ytd only) | 6.8682% | 2,039 |
| Net charge-offs to loans | 0.3015% | 3,582 |
| Credit loss provision to net charge-offs | 64.0656% | 4,670 |
| Earnings coverage of net charge-offs (x) | 5.3823% | 2,801 |
| Efficiency ratio | 71.5524% | 3,646 |
| Assets per employee ($millions) | 5.9182% | 1,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 6,810 |
| Loan loss allowance to noncurrent loans | 54.3038% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 1.0315% | 4,695 |
| Noncurrent loans to loans | 1.4856% | 4,069 |
| Net loans and leases to total assets | 62.9723% | 3,515 |
| Net loans and leases to deposits | 84.2528% | 1,963 |
| Net loans and leases to core deposits | 89.4815% | 2,314 |
| Total domestic deposits to total assets | 74.7421% | 6,673 |
| Equity capital to assets | 8.3234% | 6,458 |
| Core capital (leverage) ratio | 8.6045% | 5,544 |
| Tier 1 risk-based capital ratio | 13.9508% | 4,392 |
| Total risk-based capital ratio | 14.7968% | 4,669 |
| Memoranda: | ||
| Average total assets | $1,076,477,500 | 615 |
| Average earning assets | $995,050,750 | 600 |
| Average equity | $88,774,250 | 762 |
| Average total loans | $674,419,750 | 615 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 5,540 |
| Cost of funding earning assets | 1.2761% | 2,083 |
| Net interest margin | 3.1680% | 6,243 |
| Noninterest income to average assets | 0.6524% | 2,819 |
| Noninterest expense to average assets | 2.6201% | 5,113 |
| Loan and lease loss provision to assets | 0.1201% | 4,776 |
| Net operating income to assets | 0.5510% | 4,306 |
| Return on assets (ROA) | 0.5530% | 4,428 |
| Pretax return on assets | 0.8425% | 3,861 |
| Return on Equity (ROE) | 6.7269% | 3,573 |
| Retained earnings to average equity (ytd only) | 6.7269% | 2,001 |
| Net charge-offs to loans | 0.0428% | 5,260 |
| Credit loss provision to net charge-offs | 450.3497% | 674 |
| Earnings coverage of net charge-offs (x) | 35.9790% | 805 |
| Efficiency ratio | 73.1934% | 3,514 |
| Assets per employee ($millions) | 5.7529% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 6,382 |
| Loan loss allowance to noncurrent loans | 66.8213% | 4,095 |
| Noncurrent assets plus other real estate owned to assets | 1.0418% | 4,799 |
| Noncurrent loans to loans | 1.4769% | 4,208 |
| Net loans and leases to total assets | 61.7939% | 3,928 |
| Net loans and leases to deposits | 82.5578% | 2,364 |
| Net loans and leases to core deposits | 87.9531% | 2,650 |
| Total domestic deposits to total assets | 74.8493% | 6,747 |
| Equity capital to assets | 8.3224% | 6,393 |
| Core capital (leverage) ratio | 8.5305% | 5,505 |
| Tier 1 risk-based capital ratio | 13.9967% | 4,177 |
| Total risk-based capital ratio | 15.0183% | 4,302 |
| Memoranda: | ||
| Average total assets | $1,072,320,000 | 625 |
| Average earning assets | $990,838,330 | 607 |
| Average equity | $88,153,000 | 763 |
| Average total loans | $668,788,330 | 633 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4441% | 5,540 |
| Cost of funding earning assets | 1.2844% | 2,276 |
| Net interest margin | 3.1597% | 6,190 |
| Noninterest income to average assets | 0.6441% | 2,883 |
| Noninterest expense to average assets | 2.6830% | 4,903 |
| Loan and lease loss provision to assets | 0.1196% | 4,517 |
| Net operating income to assets | 0.5095% | 4,454 |
| Return on assets (ROA) | 0.5115% | 4,527 |
| Pretax return on assets | 0.7700% | 4,018 |
| Return on Equity (ROE) | 6.2609% | 3,747 |
| Retained earnings to average equity (ytd only) | 6.2609% | 2,487 |
| Net charge-offs to loans | 0.0108% | 4,937 |
| Credit loss provision to net charge-offs | 1,777.7778% | 223 |
| Earnings coverage of net charge-offs (x) | 131.8333% | 240 |
| Efficiency ratio | 75.1622% | 3,310 |
| Assets per employee ($millions) | 5.6633% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 6,514 |
| Loan loss allowance to noncurrent loans | 74.3178% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.9333% | 5,023 |
| Noncurrent loans to loans | 1.2912% | 4,542 |
| Net loans and leases to total assets | 61.9714% | 3,857 |
| Net loans and leases to deposits | 82.7311% | 2,231 |
| Net loans and leases to core deposits | 88.0556% | 2,591 |
| Total domestic deposits to total assets | 74.9070% | 6,809 |
| Equity capital to assets | 8.2297% | 6,248 |
| Core capital (leverage) ratio | 8.4093% | 5,611 |
| Tier 1 risk-based capital ratio | 13.7567% | 4,240 |
| Total risk-based capital ratio | 14.7465% | 4,395 |
| Memoranda: | ||
| Average total assets | $1,070,583,000 | 629 |
| Average earning assets | $991,242,500 | 609 |
| Average equity | $87,463,500 | 762 |
| Average total loans | $667,482,000 | 640 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6090% | 6,084 |
| Cost of funding earning assets | 1.4857% | 2,728 |
| Net interest margin | 3.1233% | 6,457 |
| Noninterest income to average assets | 0.7221% | 2,697 |
| Noninterest expense to average assets | 2.5930% | 5,449 |
| Loan and lease loss provision to assets | 0.2497% | 4,798 |
| Net operating income to assets | 0.4649% | 4,247 |
| Return on assets (ROA) | 0.3764% | 4,801 |
| Pretax return on assets | 0.6308% | 4,226 |
| Return on Equity (ROE) | 4.8215% | 4,149 |
| Retained earnings to average equity (ytd only) | 4.8215% | 2,529 |
| Net charge-offs to loans | 0.2482% | 4,804 |
| Credit loss provision to net charge-offs | 164.8715% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.7264% | 2,295 |
| Efficiency ratio | 71.7934% | 3,835 |
| Assets per employee ($millions) | 5.6958% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 6,664 |
| Loan loss allowance to noncurrent loans | 71.3869% | 3,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9247% | 5,164 |
| Noncurrent loans to loans | 1.2898% | 4,556 |
| Net loans and leases to total assets | 61.5513% | 4,384 |
| Net loans and leases to deposits | 81.9371% | 2,822 |
| Net loans and leases to core deposits | 87.4009% | 3,134 |
| Total domestic deposits to total assets | 75.1202% | 6,754 |
| Equity capital to assets | 8.1097% | 6,373 |
| Core capital (leverage) ratio | 8.2705% | 5,724 |
| Tier 1 risk-based capital ratio | 13.4644% | 4,234 |
| Total risk-based capital ratio | 14.4022% | 4,442 |
| Memoranda: | ||
| Average total assets | $1,078,873,800 | 620 |
| Average earning assets | $998,128,200 | 601 |
| Average equity | $84,226,600 | 792 |
| Average total loans | $658,247,600 | 664 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 6,138 |
| Cost of funding earning assets | 1.5229% | 2,821 |
| Net interest margin | 3.1432% | 6,498 |
| Noninterest income to average assets | 0.7105% | 2,759 |
| Noninterest expense to average assets | 2.5995% | 5,324 |
| Loan and lease loss provision to assets | 0.1580% | 5,464 |
| Net operating income to assets | 0.5034% | 4,300 |
| Return on assets (ROA) | 0.3857% | 4,997 |
| Pretax return on assets | 0.6750% | 4,321 |
| Return on Equity (ROE) | 4.9887% | 4,294 |
| Retained earnings to average equity (ytd only) | 4.9887% | 2,997 |
| Net charge-offs to loans | 0.2693% | 4,330 |
| Credit loss provision to net charge-offs | 96.6063% | 4,488 |
| Earnings coverage of net charge-offs (x) | 6.2172% | 2,571 |
| Efficiency ratio | 71.8808% | 3,721 |
| Assets per employee ($millions) | 5.8318% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7568% | 7,094 |
| Loan loss allowance to noncurrent loans | 77.3140% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7993% | 5,499 |
| Noncurrent loans to loans | 0.9788% | 5,278 |
| Net loans and leases to total assets | 61.3512% | 4,658 |
| Net loans and leases to deposits | 83.2897% | 2,843 |
| Net loans and leases to core deposits | 88.8950% | 3,251 |
| Total domestic deposits to total assets | 73.6600% | 6,965 |
| Equity capital to assets | 8.0488% | 6,758 |
| Core capital (leverage) ratio | 8.0789% | 6,227 |
| Tier 1 risk-based capital ratio | 13.3057% | 4,349 |
| Total risk-based capital ratio | 14.0761% | 4,695 |
| Memoranda: | ||
| Average total assets | $1,080,889,500 | 614 |
| Average earning assets | $999,283,000 | 596 |
| Average equity | $83,573,250 | 792 |
| Average total loans | $656,503,750 | 663 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 6,196 |
| Cost of funding earning assets | 1.5701% | 2,838 |
| Net interest margin | 3.1131% | 6,568 |
| Noninterest income to average assets | 0.6837% | 2,794 |
| Noninterest expense to average assets | 2.5968% | 5,339 |
| Loan and lease loss provision to assets | 0.1371% | 5,519 |
| Net operating income to assets | 0.4741% | 4,443 |
| Return on assets (ROA) | 0.3446% | 5,163 |
| Pretax return on assets | 0.6195% | 4,510 |
| Return on Equity (ROE) | 4.5183% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.5183% | 3,196 |
| Net charge-offs to loans | 0.3950% | 3,396 |
| Credit loss provision to net charge-offs | 57.5077% | 5,273 |
| Earnings coverage of net charge-offs (x) | 4.0209% | 3,086 |
| Efficiency ratio | 73.0312% | 3,653 |
| Assets per employee ($millions) | 5.8087% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6864% | 7,274 |
| Loan loss allowance to noncurrent loans | 94.2994% | 2,914 |
| Noncurrent assets plus other real estate owned to assets | 0.6620% | 5,832 |
| Noncurrent loans to loans | 0.7279% | 5,801 |
| Net loans and leases to total assets | 60.1522% | 5,028 |
| Net loans and leases to deposits | 80.6366% | 3,494 |
| Net loans and leases to core deposits | 85.8371% | 3,860 |
| Total domestic deposits to total assets | 74.5967% | 6,902 |
| Equity capital to assets | 7.8044% | 6,923 |
| Core capital (leverage) ratio | 7.9474% | 6,331 |
| Tier 1 risk-based capital ratio | 13.0069% | 4,436 |
| Total risk-based capital ratio | 13.6938% | 4,890 |
| Memoranda: | ||
| Average total assets | $1,083,499,330 | 610 |
| Average earning assets | $999,574,330 | 597 |
| Average equity | $82,641,670 | 795 |
| Average total loans | $654,220,000 | 672 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7691% | 6,003 |
| Cost of funding earning assets | 1.6119% | 2,885 |
| Net interest margin | 3.1573% | 6,428 |
| Noninterest income to average assets | 0.7075% | 2,547 |
| Noninterest expense to average assets | 2.6769% | 5,015 |
| Loan and lease loss provision to assets | 0.1161% | 5,444 |
| Net operating income to assets | 0.4502% | 4,614 |
| Return on assets (ROA) | 0.2839% | 5,487 |
| Pretax return on assets | 0.5515% | 4,781 |
| Return on Equity (ROE) | 3.7658% | 5,000 |
| Retained earnings to average equity (ytd only) | 3.7658% | 3,889 |
| Net charge-offs to loans | 0.0098% | 5,453 |
| Credit loss provision to net charge-offs | 1,962.5000% | 263 |
| Earnings coverage of net charge-offs (x) | 156.8125% | 213 |
| Efficiency ratio | 74.2693% | 3,536 |
| Assets per employee ($millions) | 5.7284% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8264% | 7,065 |
| Loan loss allowance to noncurrent loans | 90.9137% | 3,036 |
| Noncurrent assets plus other real estate owned to assets | 0.7549% | 5,643 |
| Noncurrent loans to loans | 0.9090% | 5,495 |
| Net loans and leases to total assets | 59.4440% | 5,208 |
| Net loans and leases to deposits | 80.2282% | 3,619 |
| Net loans and leases to core deposits | 85.0041% | 4,051 |
| Total domestic deposits to total assets | 74.0937% | 7,035 |
| Equity capital to assets | 7.6432% | 6,971 |
| Core capital (leverage) ratio | 7.9247% | 6,349 |
| Tier 1 risk-based capital ratio | 12.8332% | 4,452 |
| Total risk-based capital ratio | 13.6519% | 4,781 |
| Memoranda: | ||
| Average total assets | $1,082,131,500 | 625 |
| Average earning assets | $992,882,500 | 614 |
| Average equity | $81,575,500 | 810 |
| Average total loans | $652,375,000 | 693 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 5,591 |
| Cost of funding earning assets | 2.0157% | 2,889 |
| Net interest margin | 3.1975% | 6,103 |
| Noninterest income to average assets | 0.7526% | 2,662 |
| Noninterest expense to average assets | 2.5714% | 5,891 |
| Loan and lease loss provision to assets | 0.1294% | 6,343 |
| Net operating income to assets | 0.5943% | 3,353 |
| Return on assets (ROA) | 0.4946% | 3,848 |
| Pretax return on assets | 0.8572% | 3,065 |
| Return on Equity (ROE) | 7.3609% | 2,637 |
| Retained earnings to average equity (ytd only) | 7.3609% | 853 |
| Net charge-offs to loans | 0.0360% | 6,764 |
| Credit loss provision to net charge-offs | 585.2459% | 511 |
| Earnings coverage of net charge-offs (x) | 51.6598% | 505 |
| Efficiency ratio | 69.2403% | 4,779 |
| Assets per employee ($millions) | 5.7227% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7723% | 7,201 |
| Loan loss allowance to noncurrent loans | 87.1923% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7410% | 5,623 |
| Noncurrent loans to loans | 0.8858% | 5,531 |
| Net loans and leases to total assets | 60.1649% | 5,311 |
| Net loans and leases to deposits | 81.5689% | 3,681 |
| Net loans and leases to core deposits | 97.8259% | 4,241 |
| Total domestic deposits to total assets | 73.7597% | 7,050 |
| Equity capital to assets | 7.4335% | 7,095 |
| Core capital (leverage) ratio | 7.7714% | 6,485 |
| Tier 1 risk-based capital ratio | 12.2550% | 4,722 |
| Total risk-based capital ratio | 12.9984% | 5,115 |
| Memoranda: | ||
| Average total assets | $1,103,444,000 | 603 |
| Average earning assets | $1,021,865,400 | 593 |
| Average equity | $74,148,200 | 873 |
| Average total loans | $677,106,000 | 688 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2939% | 5,455 |
| Cost of funding earning assets | 2.0824% | 2,973 |
| Net interest margin | 3.2115% | 5,970 |
| Noninterest income to average assets | 0.7226% | 2,865 |
| Noninterest expense to average assets | 2.5779% | 5,790 |
| Loan and lease loss provision to assets | 0.0723% | 6,634 |
| Net operating income to assets | 0.6551% | 3,378 |
| Return on assets (ROA) | 0.6385% | 3,526 |
| Pretax return on assets | 1.0280% | 2,814 |
| Return on Equity (ROE) | 9.7538% | 2,012 |
| Retained earnings to average equity (ytd only) | 9.7538% | 679 |
| Net charge-offs to loans | 0.0268% | 6,504 |
| Credit loss provision to net charge-offs | 438.6861% | 903 |
| Earnings coverage of net charge-offs (x) | 68.3803% | 490 |
| Efficiency ratio | 69.5923% | 4,676 |
| Assets per employee ($millions) | 5.6977% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6576% | 7,475 |
| Loan loss allowance to noncurrent loans | 86.5193% | 3,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8143% | 5,469 |
| Noncurrent loans to loans | 0.7600% | 5,788 |
| Net loans and leases to total assets | 60.6364% | 5,481 |
| Net loans and leases to deposits | 84.5263% | 3,562 |
| Net loans and leases to core deposits | 101.0219% | 4,261 |
| Total domestic deposits to total assets | 71.7367% | 7,241 |
| Equity capital to assets | 7.4373% | 7,348 |
| Core capital (leverage) ratio | 7.7192% | 6,708 |
| Tier 1 risk-based capital ratio | 12.0229% | 4,958 |
| Total risk-based capital ratio | 12.6588% | 5,468 |
| Memoranda: | ||
| Average total assets | $1,108,906,500 | 610 |
| Average earning assets | $1,029,512,250 | 593 |
| Average equity | $72,585,250 | 909 |
| Average total loans | $682,431,250 | 701 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3595% | 5,360 |
| Cost of funding earning assets | 2.1502% | 3,043 |
| Net interest margin | 3.2093% | 5,882 |
| Noninterest income to average assets | 0.6419% | 3,402 |
| Noninterest expense to average assets | 2.5803% | 5,817 |
| Loan and lease loss provision to assets | 0.0669% | 6,538 |
| Net operating income to assets | 0.6306% | 3,548 |
| Return on assets (ROA) | 0.6100% | 3,745 |
| Pretax return on assets | 0.9479% | 3,187 |
| Return on Equity (ROE) | 9.7480% | 2,111 |
| Retained earnings to average equity (ytd only) | 9.7480% | 776 |
| Net charge-offs to loans | 0.0148% | 6,328 |
| Credit loss provision to net charge-offs | 733.3333% | 646 |
| Earnings coverage of net charge-offs (x) | 114.7255% | 335 |
| Efficiency ratio | 71.1361% | 4,573 |
| Assets per employee ($millions) | 5.7919% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6191% | 7,598 |
| Loan loss allowance to noncurrent loans | 69.4188% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7687% | 5,475 |
| Noncurrent loans to loans | 0.8918% | 5,431 |
| Net loans and leases to total assets | 61.3254% | 5,471 |
| Net loans and leases to deposits | 86.2685% | 3,500 |
| Net loans and leases to core deposits | 102.5936% | 4,219 |
| Total domestic deposits to total assets | 71.0866% | 7,353 |
| Equity capital to assets | 6.7267% | 7,738 |
| Core capital (leverage) ratio | 7.1677% | 7,390 |
| Tier 1 risk-based capital ratio | 12.2772% | 4,698 |
| Total risk-based capital ratio | 12.9295% | 5,147 |
| Memoranda: | ||
| Average total assets | $1,117,686,670 | 616 |
| Average earning assets | $1,039,729,330 | 600 |
| Average equity | $69,942,330 | 953 |
| Average total loans | $689,650,330 | 714 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4449% | 5,198 |
| Cost of funding earning assets | 2.1969% | 3,179 |
| Net interest margin | 3.2481% | 5,695 |
| Noninterest income to average assets | 0.5608% | 3,829 |
| Noninterest expense to average assets | 2.5411% | 5,684 |
| Loan and lease loss provision to assets | 0.0536% | 6,296 |
| Net operating income to assets | 0.6380% | 3,847 |
| Return on assets (ROA) | 0.5991% | 4,208 |
| Pretax return on assets | 0.9429% | 3,559 |
| Return on Equity (ROE) | 9.9380% | 2,343 |
| Retained earnings to average equity (ytd only) | 9.9380% | 1,212 |
| Net charge-offs to loans | 0.0178% | 5,323 |
| Credit loss provision to net charge-offs | 487.0968% | 1,109 |
| Earnings coverage of net charge-offs (x) | 96.0323% | 444 |
| Efficiency ratio | 70.6178% | 4,447 |
| Assets per employee ($millions) | 5.8963% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 7,704 |
| Loan loss allowance to noncurrent loans | 151.3810% | 2,135 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 6,492 |
| Noncurrent loans to loans | 0.3824% | 6,465 |
| Net loans and leases to total assets | 61.0243% | 5,493 |
| Net loans and leases to deposits | 90.1355% | 2,908 |
| Net loans and leases to core deposits | 107.0513% | 3,787 |
| Total domestic deposits to total assets | 67.7029% | 7,612 |
| Equity capital to assets | 6.1894% | 7,958 |
| Core capital (leverage) ratio | 6.7780% | 7,773 |
| Tier 1 risk-based capital ratio | 11.7623% | 5,159 |
| Total risk-based capital ratio | 12.3764% | 5,706 |
| Memoranda: | ||
| Average total assets | $1,126,298,500 | 614 |
| Average earning assets | $1,053,307,500 | 601 |
| Average equity | $67,901,000 | 989 |
| Average total loans | $694,942,000 | 714 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6651% | 6,886 |
| Cost of funding earning assets | 2.8808% | 2,350 |
| Net interest margin | 2.7843% | 7,355 |
| Noninterest income to average assets | 0.6456% | 3,503 |
| Noninterest expense to average assets | 2.3060% | 6,682 |
| Loan and lease loss provision to assets | 0.0545% | 6,731 |
| Net operating income to assets | 0.5990% | 4,306 |
| Return on assets (ROA) | 0.2973% | 5,369 |
| Pretax return on assets | 0.4424% | 5,149 |
| Return on Equity (ROE) | 4.4643% | 4,615 |
| Retained earnings to average equity (ytd only) | 4.4643% | 2,348 |
| Net charge-offs to loans | 0.0317% | 6,381 |
| Credit loss provision to net charge-offs | 274.1784% | 1,671 |
| Earnings coverage of net charge-offs (x) | 47.6526% | 788 |
| Efficiency ratio | 70.8852% | 4,159 |
| Assets per employee ($millions) | 5.7470% | 1,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5555% | 7,758 |
| Loan loss allowance to noncurrent loans | 130.8055% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3699% | 6,127 |
| Noncurrent loans to loans | 0.4247% | 6,069 |
| Net loans and leases to total assets | 61.6786% | 5,669 |
| Net loans and leases to deposits | 92.5050% | 3,052 |
| Net loans and leases to core deposits | 111.3798% | 3,626 |
| Total domestic deposits to total assets | 66.6760% | 7,603 |
| Equity capital to assets | 5.8680% | 8,082 |
| Core capital (leverage) ratio | 6.8060% | 7,815 |
| Tier 1 risk-based capital ratio | 11.5709% | 5,176 |
| Total risk-based capital ratio | 12.1628% | 5,721 |
| Memoranda: | ||
| Average total assets | $1,071,624,000 | 616 |
| Average earning assets | $1,003,624,000 | 597 |
| Average equity | $71,365,600 | 930 |
| Average total loans | $672,318,400 | 707 |