Home > Howard Bank > Performance and Condition Ratios
Howard Bank, Performance and Condition Ratios
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6504% | 2,252 |
| Cost of funding earning assets | 0.1522% | 3,946 |
| Net interest margin | 3.4982% | 1,736 |
| Noninterest income to average assets | 0.3542% | 3,320 |
| Noninterest expense to average assets | 1.9179% | 3,886 |
| Loan and lease loss provision to assets | 0.0392% | 2,256 |
| Net operating income to assets | 1.1527% | 2,093 |
| Return on assets (ROA) | 1.1493% | 2,167 |
| Pretax return on assets | 1.5619% | 1,531 |
| Return on Equity (ROE) | 8.8829% | 2,959 |
| Retained earnings to average equity (ytd only) | 8.8829% | 1,239 |
| Net charge-offs to loans | 0.0891% | 920 |
| Credit loss provision to net charge-offs | 59.2417% | 2,067 |
| Earnings coverage of net charge-offs (x) | 24.2796% | 1,751 |
| Efficiency ratio | 51.8461% | 4,129 |
| Assets per employee ($millions) | 12.6333% | 343 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 3,672 |
| Loan loss allowance to noncurrent loans | 129.0715% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.5908% | 1,118 |
| Noncurrent loans to loans | 0.7877% | 1,293 |
| Net loans and leases to total assets | 72.6413% | 792 |
| Net loans and leases to deposits | 94.6509% | 361 |
| Net loans and leases to core deposits | 98.7274% | 587 |
| Total domestic deposits to total assets | 76.7465% | 4,477 |
| Equity capital to assets | 13.8617% | 690 |
| Core capital (leverage) ratio | 11.8090% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1683% | 1,461 |
| Memoranda: | ||
| Average total assets | $2,552,905,800 | 427 |
| Average earning assets | $2,312,731,400 | 430 |
| Average equity | $330,308,800 | 369 |
| Average total loans | $1,895,267,400 | 376 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 2,421 |
| Cost of funding earning assets | 0.1582% | 4,032 |
| Net interest margin | 3.4908% | 1,888 |
| Noninterest income to average assets | 0.3374% | 3,419 |
| Noninterest expense to average assets | 1.9331% | 3,856 |
| Loan and lease loss provision to assets | 0.0518% | 1,954 |
| Net operating income to assets | 1.1172% | 2,489 |
| Return on assets (ROA) | 1.1142% | 2,552 |
| Pretax return on assets | 1.5104% | 1,971 |
| Return on Equity (ROE) | 8.7618% | 3,178 |
| Retained earnings to average equity (ytd only) | 8.7618% | 1,780 |
| Net charge-offs to loans | 0.1260% | 629 |
| Credit loss provision to net charge-offs | 55.2792% | 1,829 |
| Earnings coverage of net charge-offs (x) | 16.7004% | 1,830 |
| Efficiency ratio | 52.6080% | 3,971 |
| Assets per employee ($millions) | 11.7523% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 3,961 |
| Loan loss allowance to noncurrent loans | 124.4440% | 3,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5969% | 1,278 |
| Noncurrent loans to loans | 0.7749% | 1,459 |
| Net loans and leases to total assets | 74.5979% | 644 |
| Net loans and leases to deposits | 97.0536% | 308 |
| Net loans and leases to core deposits | 105.6750% | 416 |
| Total domestic deposits to total assets | 76.8625% | 4,499 |
| Equity capital to assets | 13.3050% | 900 |
| Core capital (leverage) ratio | 11.1384% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9504% | 1,991 |
| Memoranda: | ||
| Average total assets | $2,572,100,500 | 430 |
| Average earning assets | $2,329,669,000 | 435 |
| Average equity | $327,077,500 | 372 |
| Average total loans | $1,914,793,250 | 378 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 2,511 |
| Cost of funding earning assets | 0.1669% | 4,072 |
| Net interest margin | 3.4698% | 1,946 |
| Noninterest income to average assets | 0.3357% | 3,419 |
| Noninterest expense to average assets | 1.8707% | 4,036 |
| Loan and lease loss provision to assets | 0.0773% | 1,549 |
| Net operating income to assets | 1.1322% | 2,426 |
| Return on assets (ROA) | 1.1335% | 2,487 |
| Pretax return on assets | 1.5326% | 1,920 |
| Return on Equity (ROE) | 9.0501% | 3,083 |
| Retained earnings to average equity (ytd only) | 9.0501% | 1,692 |
| Net charge-offs to loans | 0.1953% | 441 |
| Credit loss provision to net charge-offs | 53.3618% | 1,591 |
| Earnings coverage of net charge-offs (x) | 11.1019% | 1,777 |
| Efficiency ratio | 51.0843% | 4,138 |
| Assets per employee ($millions) | 11.3488% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 4,021 |
| Loan loss allowance to noncurrent loans | 88.7121% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.8174% | 976 |
| Noncurrent loans to loans | 1.0613% | 1,149 |
| Net loans and leases to total assets | 74.0404% | 747 |
| Net loans and leases to deposits | 94.9739% | 422 |
| Net loans and leases to core deposits | 106.5530% | 460 |
| Total domestic deposits to total assets | 77.9587% | 4,437 |
| Equity capital to assets | 12.7326% | 1,036 |
| Core capital (leverage) ratio | 10.8326% | 1,705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5734% | 2,133 |
| Memoranda: | ||
| Average total assets | $2,587,217,000 | 423 |
| Average earning assets | $2,343,728,333 | 423 |
| Average equity | $324,041,667 | 370 |
| Average total loans | $1,918,639,333 | 377 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6366% | 2,531 |
| Cost of funding earning assets | 0.1887% | 4,018 |
| Net interest margin | 3.4479% | 1,966 |
| Noninterest income to average assets | 0.3096% | 3,555 |
| Noninterest expense to average assets | 1.8672% | 4,062 |
| Loan and lease loss provision to assets | 0.1550% | 830 |
| Net operating income to assets | 1.0426% | 2,662 |
| Return on assets (ROA) | 1.0439% | 2,740 |
| Pretax return on assets | 1.4089% | 2,257 |
| Return on Equity (ROE) | 8.4052% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.4052% | 2,123 |
| Net charge-offs to loans | 0.3764% | 223 |
| Credit loss provision to net charge-offs | 55.7414% | 1,291 |
| Earnings coverage of net charge-offs (x) | 5.6193% | 1,675 |
| Efficiency ratio | 51.6696% | 4,029 |
| Assets per employee ($millions) | 11.1703% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9432% | 4,039 |
| Loan loss allowance to noncurrent loans | 125.9117% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 1,643 |
| Noncurrent loans to loans | 0.7491% | 1,738 |
| Net loans and leases to total assets | 73.4881% | 856 |
| Net loans and leases to deposits | 94.2763% | 478 |
| Net loans and leases to core deposits | 109.2055% | 436 |
| Total domestic deposits to total assets | 77.9497% | 4,437 |
| Equity capital to assets | 12.1844% | 1,212 |
| Core capital (leverage) ratio | 10.6242% | 1,985 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4112% | 2,115 |
| Memoranda: | ||
| Average total assets | $2,581,387,000 | 421 |
| Average earning assets | $2,335,676,000 | 423 |
| Average equity | $320,610,500 | 370 |
| Average total loans | $1,906,705,500 | 375 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8890% | 3,060 |
| Cost of funding earning assets | 0.4932% | 2,991 |
| Net interest margin | 3.3957% | 2,794 |
| Noninterest income to average assets | 0.3592% | 3,313 |
| Noninterest expense to average assets | 3.5738% | 627 |
| Loan and lease loss provision to assets | 0.3828% | 842 |
| Net operating income to assets | -0.7386% | 4,901 |
| Return on assets (ROA) | -0.6139% | 4,898 |
| Pretax return on assets | -0.4422% | 4,867 |
| Return on Equity (ROE) | -4.7182% | 4,892 |
| Retained earnings to average equity (ytd only) | -4.7182% | 4,828 |
| Net charge-offs to loans | 0.0416% | 2,230 |
| Credit loss provision to net charge-offs | 1,246.7277% | 667 |
| Earnings coverage of net charge-offs (x) | -5.9987% | 3,385 |
| Efficiency ratio | 61.3613% | 3,253 |
| Assets per employee ($millions) | 10.7989% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0269% | 3,772 |
| Loan loss allowance to noncurrent loans | 104.7906% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 1,372 |
| Noncurrent loans to loans | 0.9800% | 1,442 |
| Net loans and leases to total assets | 72.7732% | 1,192 |
| Net loans and leases to deposits | 93.4166% | 694 |
| Net loans and leases to core deposits | 109.5905% | 522 |
| Total domestic deposits to total assets | 77.9017% | 4,330 |
| Equity capital to assets | 12.6638% | 1,253 |
| Core capital (leverage) ratio | 10.3640% | 2,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2583% | 2,140 |
| Memoranda: | ||
| Average total assets | $2,488,437,800 | 397 |
| Average earning assets | $2,220,725,800 | 402 |
| Average equity | $323,769,800 | 350 |
| Average total loans | $1,838,086,600 | 373 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 3,213 |
| Cost of funding earning assets | 0.5738% | 2,780 |
| Net interest margin | 3.3383% | 3,078 |
| Noninterest income to average assets | 0.3709% | 3,234 |
| Noninterest expense to average assets | 3.9872% | 382 |
| Loan and lease loss provision to assets | 0.4386% | 749 |
| Net operating income to assets | -1.2495% | 4,962 |
| Return on assets (ROA) | -1.0855% | 4,952 |
| Pretax return on assets | -0.9202% | 4,936 |
| Return on Equity (ROE) | -8.2867% | 4,948 |
| Retained earnings to average equity (ytd only) | -8.2867% | 4,903 |
| Net charge-offs to loans | 0.0414% | 2,032 |
| Credit loss provision to net charge-offs | 1,431.4587% | 637 |
| Earnings coverage of net charge-offs (x) | -21.0703% | 3,216 |
| Efficiency ratio | 60.4425% | 3,322 |
| Assets per employee ($millions) | 11.0770% | 380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9540% | 3,872 |
| Loan loss allowance to noncurrent loans | 98.9106% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 1,536 |
| Noncurrent loans to loans | 0.9645% | 1,560 |
| Net loans and leases to total assets | 72.9420% | 1,513 |
| Net loans and leases to deposits | 94.4629% | 887 |
| Net loans and leases to core deposits | 114.0163% | 555 |
| Total domestic deposits to total assets | 77.2176% | 4,294 |
| Equity capital to assets | 12.3169% | 1,504 |
| Core capital (leverage) ratio | 10.1366% | 2,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0978% | 2,154 |
| Memoranda: | ||
| Average total assets | $2,476,110,500 | 391 |
| Average earning assets | $2,203,439,500 | 395 |
| Average equity | $324,368,250 | 347 |
| Average total loans | $1,831,118,000 | 372 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0296% | 3,250 |
| Cost of funding earning assets | 0.6656% | 2,585 |
| Net interest margin | 3.3641% | 3,211 |
| Noninterest income to average assets | 0.3994% | 3,085 |
| Noninterest expense to average assets | 5.0299% | 187 |
| Loan and lease loss provision to assets | 0.5264% | 654 |
| Net operating income to assets | -2.3080% | 5,021 |
| Return on assets (ROA) | -2.0593% | 5,017 |
| Pretax return on assets | -1.9284% | 5,006 |
| Return on Equity (ROE) | -15.3996% | 5,019 |
| Retained earnings to average equity (ytd only) | -15.3996% | 4,985 |
| Net charge-offs to loans | 0.0540% | 1,717 |
| Credit loss provision to net charge-offs | 1,315.3061% | 662 |
| Earnings coverage of net charge-offs (x) | -41.2408% | 3,013 |
| Efficiency ratio | 62.1217% | 3,110 |
| Assets per employee ($millions) | 10.6179% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8615% | 4,151 |
| Loan loss allowance to noncurrent loans | 93.1117% | 3,316 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 1,550 |
| Noncurrent loans to loans | 0.9252% | 1,667 |
| Net loans and leases to total assets | 76.4109% | 1,073 |
| Net loans and leases to deposits | 102.6710% | 430 |
| Net loans and leases to core deposits | 110.6421% | 715 |
| Total domestic deposits to total assets | 74.4231% | 4,563 |
| Equity capital to assets | 12.5392% | 1,359 |
| Core capital (leverage) ratio | 10.3311% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9997% | 2,182 |
| Memoranda: | ||
| Average total assets | $2,448,552,667 | 390 |
| Average earning assets | $2,168,929,333 | 393 |
| Average equity | $327,436,667 | 343 |
| Average total loans | $1,813,355,667 | 370 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1406% | 3,401 |
| Cost of funding earning assets | 0.7983% | 2,406 |
| Net interest margin | 3.3423% | 3,473 |
| Noninterest income to average assets | 0.5560% | 2,244 |
| Noninterest expense to average assets | 2.3502% | 3,650 |
| Loan and lease loss provision to assets | 0.5645% | 503 |
| Net operating income to assets | 0.6109% | 3,567 |
| Return on assets (ROA) | 0.6109% | 3,627 |
| Pretax return on assets | 0.5809% | 3,949 |
| Return on Equity (ROE) | 4.4287% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.4287% | 2,523 |
| Net charge-offs to loans | 0.1044% | 1,056 |
| Credit loss provision to net charge-offs | 745.6710% | 700 |
| Earnings coverage of net charge-offs (x) | 15.1299% | 1,577 |
| Efficiency ratio | 63.9572% | 3,238 |
| Assets per employee ($millions) | 10.7630% | 319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7582% | 4,496 |
| Loan loss allowance to noncurrent loans | 76.7563% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 1,721 |
| Noncurrent loans to loans | 0.9878% | 1,675 |
| Net loans and leases to total assets | 69.8556% | 2,273 |
| Net loans and leases to deposits | 97.7365% | 750 |
| Net loans and leases to core deposits | 118.1697% | 528 |
| Total domestic deposits to total assets | 71.4734% | 4,797 |
| Equity capital to assets | 13.5829% | 1,186 |
| Core capital (leverage) ratio | 10.2511% | 3,195 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0618% | 2,663 |
| Memoranda: | ||
| Average total assets | $2,441,151,000 | 380 |
| Average earning assets | $2,147,032,500 | 392 |
| Average equity | $336,712,500 | 330 |
| Average total loans | $1,770,719,000 | 370 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 2,685 |
| Cost of funding earning assets | 1.0204% | 1,635 |
| Net interest margin | 3.5595% | 3,253 |
| Noninterest income to average assets | 0.8689% | 1,251 |
| Noninterest expense to average assets | 2.7445% | 2,766 |
| Loan and lease loss provision to assets | 0.1826% | 1,129 |
| Net operating income to assets | 0.7946% | 3,571 |
| Return on assets (ROA) | 0.8168% | 3,595 |
| Pretax return on assets | 1.0650% | 3,284 |
| Return on Equity (ROE) | 5.7690% | 3,983 |
| Retained earnings to average equity (ytd only) | 4.2307% | 2,841 |
| Net charge-offs to loans | 0.2122% | 965 |
| Credit loss provision to net charge-offs | 114.4065% | 2,198 |
| Earnings coverage of net charge-offs (x) | 7.6393% | 2,857 |
| Efficiency ratio | 65.9246% | 2,777 |
| Assets per employee ($millions) | 7.8367% | 759 |
| Cash dividends to net income (ytd only)* | 26.6638% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5856% | 4,770 |
| Loan loss allowance to noncurrent loans | 58.2559% | 3,965 |
| Noncurrent assets plus other real estate owned to assets | 0.8824% | 1,443 |
| Noncurrent loans to loans | 1.0052% | 1,508 |
| Net loans and leases to total assets | 74.3657% | 1,690 |
| Net loans and leases to deposits | 102.4218% | 449 |
| Net loans and leases to core deposits | 123.0621% | 402 |
| Total domestic deposits to total assets | 72.6073% | 4,847 |
| Equity capital to assets | 14.0153% | 1,090 |
| Core capital (leverage) ratio | 10.4299% | 3,031 |
| Tier 1 risk-based capital ratio | 12.2973% | 4,187 |
| Total risk-based capital ratio | 12.8584% | 4,456 |
| Memoranda: | ||
| Average total assets | $2,295,799,600 | 374 |
| Average earning assets | $1,996,297,400 | 393 |
| Average equity | $325,049,000 | 325 |
| Average total loans | $1,727,304,400 | 366 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6488% | 2,570 |
| Cost of funding earning assets | 1.0477% | 1,545 |
| Net interest margin | 3.6011% | 3,247 |
| Noninterest income to average assets | 0.8432% | 1,298 |
| Noninterest expense to average assets | 2.8631% | 2,366 |
| Loan and lease loss provision to assets | 0.2017% | 872 |
| Net operating income to assets | 0.6955% | 4,028 |
| Return on assets (ROA) | 0.7260% | 3,994 |
| Pretax return on assets | 0.9425% | 3,759 |
| Return on Equity (ROE) | 5.1139% | 4,299 |
| Retained earnings to average equity (ytd only) | 3.0507% | 3,867 |
| Net charge-offs to loans | 0.2890% | 610 |
| Credit loss provision to net charge-offs | 92.6036% | 2,368 |
| Earnings coverage of net charge-offs (x) | 5.0764% | 2,956 |
| Efficiency ratio | 68.7532% | 2,295 |
| Assets per employee ($millions) | 7.3262% | 904 |
| Cash dividends to net income (ytd only)* | 40.3453% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5402% | 4,911 |
| Loan loss allowance to noncurrent loans | 50.4123% | 4,171 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 1,340 |
| Noncurrent loans to loans | 1.0717% | 1,484 |
| Net loans and leases to total assets | 77.0571% | 1,302 |
| Net loans and leases to deposits | 106.0594% | 320 |
| Net loans and leases to core deposits | 125.5471% | 380 |
| Total domestic deposits to total assets | 72.6547% | 4,887 |
| Equity capital to assets | 14.2455% | 1,059 |
| Core capital (leverage) ratio | 10.2627% | 3,350 |
| Tier 1 risk-based capital ratio | 11.9038% | 4,460 |
| Total risk-based capital ratio | 12.4252% | 4,721 |
| Memoranda: | ||
| Average total assets | $2,276,121,500 | 381 |
| Average earning assets | $1,975,529,000 | 397 |
| Average equity | $323,112,750 | 330 |
| Average total loans | $1,715,074,750 | 371 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 2,473 |
| Cost of funding earning assets | 1.0379% | 1,546 |
| Net interest margin | 3.6240% | 3,181 |
| Noninterest income to average assets | 0.8520% | 1,198 |
| Noninterest expense to average assets | 2.9884% | 2,035 |
| Loan and lease loss provision to assets | 0.2497% | 614 |
| Net operating income to assets | 0.5972% | 4,311 |
| Return on assets (ROA) | 0.6430% | 4,234 |
| Pretax return on assets | 0.8168% | 4,050 |
| Return on Equity (ROE) | 4.5345% | 4,460 |
| Retained earnings to average equity (ytd only) | 4.5345% | 3,004 |
| Net charge-offs to loans | 0.4235% | 393 |
| Credit loss provision to net charge-offs | 79.0134% | 2,230 |
| Earnings coverage of net charge-offs (x) | 3.1912% | 2,871 |
| Efficiency ratio | 71.3477% | 2,011 |
| Assets per employee ($millions) | 7.1501% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5245% | 4,985 |
| Loan loss allowance to noncurrent loans | 45.4251% | 4,293 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 1,265 |
| Noncurrent loans to loans | 1.1547% | 1,403 |
| Net loans and leases to total assets | 75.3565% | 1,656 |
| Net loans and leases to deposits | 100.4170% | 642 |
| Net loans and leases to core deposits | 122.8362% | 464 |
| Total domestic deposits to total assets | 75.0436% | 4,761 |
| Equity capital to assets | 14.2121% | 1,047 |
| Core capital (leverage) ratio | 10.1401% | 3,462 |
| Tier 1 risk-based capital ratio | 11.8660% | 4,490 |
| Total risk-based capital ratio | 12.3653% | 4,768 |
| Memoranda: | ||
| Average total assets | $2,270,462,670 | 381 |
| Average earning assets | $1,970,350,000 | 397 |
| Average equity | $321,929,330 | 330 |
| Average total loans | $1,694,568,670 | 377 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6541% | 2,365 |
| Cost of funding earning assets | 1.0208% | 1,475 |
| Net interest margin | 3.6333% | 3,123 |
| Noninterest income to average assets | 0.8081% | 1,281 |
| Noninterest expense to average assets | 2.5832% | 3,262 |
| Loan and lease loss provision to assets | 0.3056% | 417 |
| Net operating income to assets | 0.8405% | 3,482 |
| Return on assets (ROA) | 0.8405% | 3,522 |
| Pretax return on assets | 1.0699% | 3,241 |
| Return on Equity (ROE) | 5.9350% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.9350% | 2,480 |
| Net charge-offs to loans | 0.6802% | 221 |
| Credit loss provision to net charge-offs | 60.6540% | 1,905 |
| Earnings coverage of net charge-offs (x) | 2.7303% | 2,466 |
| Efficiency ratio | 61.7460% | 3,574 |
| Assets per employee ($millions) | 6.9022% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5229% | 5,053 |
| Loan loss allowance to noncurrent loans | 44.1386% | 4,373 |
| Noncurrent assets plus other real estate owned to assets | 1.0766% | 1,288 |
| Noncurrent loans to loans | 1.1848% | 1,398 |
| Net loans and leases to total assets | 74.0070% | 1,801 |
| Net loans and leases to deposits | 99.1590% | 687 |
| Net loans and leases to core deposits | 112.4645% | 810 |
| Total domestic deposits to total assets | 74.6347% | 4,880 |
| Equity capital to assets | 14.3469% | 926 |
| Core capital (leverage) ratio | 10.1090% | 3,482 |
| Tier 1 risk-based capital ratio | 11.9301% | 4,500 |
| Total risk-based capital ratio | 12.4202% | 4,808 |
| Memoranda: | ||
| Average total assets | $2,258,095,500 | 383 |
| Average earning assets | $1,958,092,500 | 402 |
| Average equity | $319,796,000 | 333 |
| Average total loans | $1,672,502,500 | 383 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6665% | 1,936 |
| Cost of funding earning assets | 0.7773% | 1,646 |
| Net interest margin | 3.8892% | 2,361 |
| Noninterest income to average assets | 0.9079% | 1,159 |
| Noninterest expense to average assets | 4.1772% | 407 |
| Loan and lease loss provision to assets | 0.3084% | 523 |
| Net operating income to assets | -0.1527% | 5,265 |
| Return on assets (ROA) | -0.1678% | 5,261 |
| Pretax return on assets | -0.2043% | 5,263 |
| Return on Equity (ROE) | -1.2562% | 5,263 |
| Retained earnings to average equity (ytd only) | -1.2562% | 5,095 |
| Net charge-offs to loans | 0.1555% | 1,237 |
| Credit loss provision to net charge-offs | 256.2474% | 1,169 |
| Earnings coverage of net charge-offs (x) | 1.0181% | 3,658 |
| Efficiency ratio | 93.7881% | 245 |
| Assets per employee ($millions) | 6.8462% | 1,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5908% | 4,984 |
| Loan loss allowance to noncurrent loans | 40.2388% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 1,003 |
| Noncurrent loans to loans | 1.4683% | 1,047 |
| Net loans and leases to total assets | 73.3045% | 2,042 |
| Net loans and leases to deposits | 98.1498% | 886 |
| Net loans and leases to core deposits | 112.0532% | 877 |
| Total domestic deposits to total assets | 74.6863% | 4,903 |
| Equity capital to assets | 13.9788% | 976 |
| Core capital (leverage) ratio | 9.8532% | 3,741 |
| Tier 1 risk-based capital ratio | 11.2496% | 4,837 |
| Total risk-based capital ratio | 11.7989% | 5,056 |
| Memoranda: | ||
| Average total assets | $1,975,348,400 | 418 |
| Average earning assets | $1,722,683,400 | 440 |
| Average equity | $263,801,600 | 375 |
| Average total loans | $1,528,761,400 | 398 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 1,820 |
| Cost of funding earning assets | 0.7292% | 1,686 |
| Net interest margin | 3.9237% | 2,220 |
| Noninterest income to average assets | 1.0067% | 948 |
| Noninterest expense to average assets | 4.5205% | 286 |
| Loan and lease loss provision to assets | 0.2271% | 720 |
| Net operating income to assets | -0.2554% | 5,356 |
| Return on assets (ROA) | -0.2633% | 5,357 |
| Pretax return on assets | -0.3255% | 5,363 |
| Return on Equity (ROE) | -1.9992% | 5,352 |
| Retained earnings to average equity (ytd only) | -1.9992% | 5,198 |
| Net charge-offs to loans | 0.1943% | 862 |
| Credit loss provision to net charge-offs | 148.9430% | 1,722 |
| Earnings coverage of net charge-offs (x) | -0.5813% | 3,431 |
| Efficiency ratio | 98.7493% | 168 |
| Assets per employee ($millions) | 6.3900% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4371% | 5,255 |
| Loan loss allowance to noncurrent loans | 26.2357% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 1.4689% | 885 |
| Noncurrent loans to loans | 1.6660% | 933 |
| Net loans and leases to total assets | 76.4132% | 1,600 |
| Net loans and leases to deposits | 101.1112% | 696 |
| Net loans and leases to core deposits | 111.2887% | 949 |
| Total domestic deposits to total assets | 75.5734% | 4,829 |
| Equity capital to assets | 13.7182% | 1,051 |
| Core capital (leverage) ratio | 8.9459% | 4,749 |
| Tier 1 risk-based capital ratio | 10.4996% | 5,239 |
| Total risk-based capital ratio | 10.9141% | 5,399 |
| Memoranda: | ||
| Average total assets | $1,902,665,000 | 427 |
| Average earning assets | $1,660,896,250 | 451 |
| Average equity | $250,559,250 | 383 |
| Average total loans | $1,493,198,750 | 401 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 2,225 |
| Cost of funding earning assets | 0.6737% | 1,782 |
| Net interest margin | 3.7855% | 2,616 |
| Noninterest income to average assets | 1.1549% | 721 |
| Noninterest expense to average assets | 5.2945% | 181 |
| Loan and lease loss provision to assets | 0.2798% | 518 |
| Net operating income to assets | -0.8198% | 5,466 |
| Return on assets (ROA) | -0.8319% | 5,460 |
| Pretax return on assets | -1.1189% | 5,471 |
| Return on Equity (ROE) | -6.4225% | 5,454 |
| Retained earnings to average equity (ytd only) | -6.4225% | 5,341 |
| Net charge-offs to loans | 0.2896% | 552 |
| Credit loss provision to net charge-offs | 122.0624% | 1,783 |
| Earnings coverage of net charge-offs (x) | -3.5938% | 3,165 |
| Efficiency ratio | 115.4223% | 76 |
| Assets per employee ($millions) | 5.7734% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3973% | 5,357 |
| Loan loss allowance to noncurrent loans | 22.7700% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.5206% | 871 |
| Noncurrent loans to loans | 1.7449% | 909 |
| Net loans and leases to total assets | 76.0341% | 1,635 |
| Net loans and leases to deposits | 105.8118% | 445 |
| Net loans and leases to core deposits | 114.1030% | 790 |
| Total domestic deposits to total assets | 71.8579% | 5,196 |
| Equity capital to assets | 13.3661% | 1,152 |
| Core capital (leverage) ratio | 8.8526% | 4,838 |
| Tier 1 risk-based capital ratio | 10.3936% | 5,315 |
| Total risk-based capital ratio | 10.7784% | 5,472 |
| Memoranda: | ||
| Average total assets | $1,819,072,670 | 450 |
| Average earning assets | $1,593,359,000 | 469 |
| Average equity | $235,608,000 | 395 |
| Average total loans | $1,440,019,330 | 409 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9666% | 3,732 |
| Cost of funding earning assets | 0.5944% | 2,095 |
| Net interest margin | 3.3722% | 3,977 |
| Noninterest income to average assets | 1.1831% | 658 |
| Noninterest expense to average assets | 5.6317% | 160 |
| Loan and lease loss provision to assets | 0.2736% | 503 |
| Net operating income to assets | -1.3292% | 5,552 |
| Return on assets (ROA) | -1.3560% | 5,552 |
| Pretax return on assets | -1.7740% | 5,561 |
| Return on Equity (ROE) | -10.6973% | 5,535 |
| Retained earnings to average equity (ytd only) | -10.6973% | 5,385 |
| Net charge-offs to loans | 0.3409% | 450 |
| Credit loss provision to net charge-offs | 99.0274% | 1,607 |
| Earnings coverage of net charge-offs (x) | -5.3077% | 2,687 |
| Efficiency ratio | 133.1124% | 46 |
| Assets per employee ($millions) | 4.4172% | 3,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3670% | 5,454 |
| Loan loss allowance to noncurrent loans | 19.5336% | 4,930 |
| Noncurrent assets plus other real estate owned to assets | 1.7230% | 733 |
| Noncurrent loans to loans | 1.8786% | 873 |
| Net loans and leases to total assets | 78.5634% | 1,148 |
| Net loans and leases to deposits | 107.5245% | 326 |
| Net loans and leases to core deposits | 116.8668% | 699 |
| Total domestic deposits to total assets | 73.0656% | 5,217 |
| Equity capital to assets | 13.8260% | 936 |
| Core capital (leverage) ratio | 12.6565% | 1,314 |
| Tier 1 risk-based capital ratio | 10.2518% | 5,426 |
| Total risk-based capital ratio | 10.6044% | 5,557 |
| Memoranda: | ||
| Average total assets | $1,637,444,000 | 502 |
| Average earning assets | $1,448,078,000 | 516 |
| Average equity | $207,566,000 | 440 |
| Average total loans | $1,327,062,000 | 438 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2165% | 2,623 |
| Cost of funding earning assets | 0.4804% | 2,499 |
| Net interest margin | 3.7361% | 2,653 |
| Noninterest income to average assets | 1.7351% | 367 |
| Noninterest expense to average assets | 4.0338% | 511 |
| Loan and lease loss provision to assets | 0.1676% | 1,311 |
| Net operating income to assets | 0.7029% | 3,592 |
| Return on assets (ROA) | 0.7029% | 3,647 |
| Pretax return on assets | 1.0234% | 3,483 |
| Return on Equity (ROE) | 6.7954% | 3,383 |
| Retained earnings to average equity (ytd only) | 6.7954% | 1,155 |
| Net charge-offs to loans | 0.2277% | 1,135 |
| Credit loss provision to net charge-offs | 87.1905% | 2,834 |
| Earnings coverage of net charge-offs (x) | 6.1957% | 3,217 |
| Efficiency ratio | 76.3201% | 1,571 |
| Assets per employee ($millions) | 3.7961% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6293% | 5,191 |
| Loan loss allowance to noncurrent loans | 38.3954% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 1.5292% | 886 |
| Noncurrent loans to loans | 1.6389% | 1,007 |
| Net loans and leases to total assets | 84.5582% | 388 |
| Net loans and leases to deposits | 110.5970% | 252 |
| Net loans and leases to core deposits | 126.1116% | 430 |
| Total domestic deposits to total assets | 76.4562% | 4,926 |
| Equity capital to assets | 10.5523% | 3,108 |
| Core capital (leverage) ratio | 10.6990% | 2,649 |
| Tier 1 risk-based capital ratio | 11.7800% | 4,672 |
| Total risk-based capital ratio | 12.3904% | 4,951 |
| Memoranda: | ||
| Average total assets | $1,092,452,400 | 678 |
| Average earning assets | $1,020,401,000 | 666 |
| Average equity | $113,002,400 | 730 |
| Average total loans | $922,371,000 | 577 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 2,638 |
| Cost of funding earning assets | 0.4604% | 2,611 |
| Net interest margin | 3.7342% | 2,642 |
| Noninterest income to average assets | 1.8274% | 354 |
| Noninterest expense to average assets | 4.0650% | 482 |
| Loan and lease loss provision to assets | 0.1275% | 1,695 |
| Net operating income to assets | 0.7077% | 3,942 |
| Return on assets (ROA) | 0.7077% | 4,005 |
| Pretax return on assets | 1.1240% | 3,213 |
| Return on Equity (ROE) | 6.8787% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.8787% | 1,752 |
| Net charge-offs to loans | 0.2639% | 821 |
| Credit loss provision to net charge-offs | 57.3415% | 2,836 |
| Earnings coverage of net charge-offs (x) | 5.6279% | 3,078 |
| Efficiency ratio | 75.5316% | 1,659 |
| Assets per employee ($millions) | 3.5386% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 5,322 |
| Loan loss allowance to noncurrent loans | 40.2202% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 1.4314% | 1,078 |
| Noncurrent loans to loans | 1.4896% | 1,254 |
| Net loans and leases to total assets | 82.9458% | 550 |
| Net loans and leases to deposits | 107.0134% | 375 |
| Net loans and leases to core deposits | 119.6770% | 602 |
| Total domestic deposits to total assets | 77.5097% | 4,804 |
| Equity capital to assets | 10.5589% | 3,300 |
| Core capital (leverage) ratio | 10.7567% | 2,696 |
| Tier 1 risk-based capital ratio | 12.3764% | 4,395 |
| Total risk-based capital ratio | 12.9754% | 4,693 |
| Memoranda: | ||
| Average total assets | $1,078,011,500 | 691 |
| Average earning assets | $1,007,282,750 | 674 |
| Average equity | $110,909,500 | 745 |
| Average total loans | $908,273,500 | 585 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 2,659 |
| Cost of funding earning assets | 0.4395% | 2,700 |
| Net interest margin | 3.7123% | 2,612 |
| Noninterest income to average assets | 1.8255% | 365 |
| Noninterest expense to average assets | 4.0342% | 504 |
| Loan and lease loss provision to assets | 0.1019% | 1,988 |
| Net operating income to assets | 0.7310% | 3,701 |
| Return on assets (ROA) | 0.7310% | 3,766 |
| Pretax return on assets | 1.1611% | 2,926 |
| Return on Equity (ROE) | 7.1724% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.1724% | 1,509 |
| Net charge-offs to loans | 0.3533% | 570 |
| Credit loss provision to net charge-offs | 34.1124% | 2,692 |
| Earnings coverage of net charge-offs (x) | 4.2280% | 2,963 |
| Efficiency ratio | 75.1924% | 1,829 |
| Assets per employee ($millions) | 3.5163% | 4,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5765% | 5,417 |
| Loan loss allowance to noncurrent loans | 61.1099% | 4,355 |
| Noncurrent assets plus other real estate owned to assets | 0.9915% | 1,771 |
| Noncurrent loans to loans | 0.9435% | 2,080 |
| Net loans and leases to total assets | 84.1054% | 437 |
| Net loans and leases to deposits | 106.7202% | 371 |
| Net loans and leases to core deposits | 118.3619% | 626 |
| Total domestic deposits to total assets | 78.8093% | 4,660 |
| Equity capital to assets | 10.6628% | 3,158 |
| Core capital (leverage) ratio | 10.7832% | 2,619 |
| Tier 1 risk-based capital ratio | 12.3146% | 4,414 |
| Total risk-based capital ratio | 12.8911% | 4,753 |
| Memoranda: | ||
| Average total assets | $1,059,899,330 | 703 |
| Average earning assets | $991,201,670 | 690 |
| Average equity | $108,025,000 | 761 |
| Average total loans | $896,066,000 | 596 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0614% | 2,794 |
| Cost of funding earning assets | 0.4198% | 2,815 |
| Net interest margin | 3.6416% | 2,731 |
| Noninterest income to average assets | 1.7183% | 390 |
| Noninterest expense to average assets | 4.0104% | 534 |
| Loan and lease loss provision to assets | 0.0771% | 2,269 |
| Net operating income to assets | 0.6525% | 3,926 |
| Return on assets (ROA) | 0.6525% | 3,962 |
| Pretax return on assets | 1.0414% | 3,194 |
| Return on Equity (ROE) | 6.5638% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.5638% | 2,045 |
| Net charge-offs to loans | 0.5783% | 306 |
| Credit loss provision to net charge-offs | 15.7729% | 2,194 |
| Earnings coverage of net charge-offs (x) | 2.2886% | 2,614 |
| Efficiency ratio | 77.1774% | 1,737 |
| Assets per employee ($millions) | 3.4378% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6080% | 5,461 |
| Loan loss allowance to noncurrent loans | 73.0444% | 4,136 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 2,003 |
| Noncurrent loans to loans | 0.8323% | 2,375 |
| Net loans and leases to total assets | 83.5696% | 409 |
| Net loans and leases to deposits | 101.0748% | 547 |
| Net loans and leases to core deposits | 110.6512% | 850 |
| Total domestic deposits to total assets | 82.6810% | 3,954 |
| Equity capital to assets | 11.0173% | 2,612 |
| Core capital (leverage) ratio | 11.1019% | 2,269 |
| Tier 1 risk-based capital ratio | 12.8042% | 4,199 |
| Total risk-based capital ratio | 13.4139% | 4,502 |
| Memoranda: | ||
| Average total assets | $1,037,789,500 | 724 |
| Average earning assets | $971,990,000 | 707 |
| Average equity | $103,172,500 | 791 |
| Average total loans | $877,094,500 | 610 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1714% | 2,580 |
| Cost of funding earning assets | 0.4378% | 2,630 |
| Net interest margin | 3.7336% | 2,562 |
| Noninterest income to average assets | 1.4699% | 541 |
| Noninterest expense to average assets | 3.8352% | 748 |
| Loan and lease loss provision to assets | 0.2050% | 1,109 |
| Net operating income to assets | 0.5933% | 4,240 |
| Return on assets (ROA) | 0.5933% | 4,346 |
| Pretax return on assets | 0.9196% | 3,771 |
| Return on Equity (ROE) | 6.7004% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.7004% | 1,355 |
| Net charge-offs to loans | 0.0568% | 2,915 |
| Credit loss provision to net charge-offs | 426.1506% | 755 |
| Earnings coverage of net charge-offs (x) | 23.3766% | 1,686 |
| Efficiency ratio | 75.9959% | 1,981 |
| Assets per employee ($millions) | 3.4581% | 4,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7367% | 5,281 |
| Loan loss allowance to noncurrent loans | 64.8900% | 4,341 |
| Noncurrent assets plus other real estate owned to assets | 1.1933% | 1,518 |
| Noncurrent loans to loans | 1.1353% | 1,807 |
| Net loans and leases to total assets | 84.3337% | 357 |
| Net loans and leases to deposits | 105.5034% | 368 |
| Net loans and leases to core deposits | 119.2527% | 505 |
| Total domestic deposits to total assets | 79.9346% | 4,591 |
| Equity capital to assets | 8.8434% | 4,972 |
| Core capital (leverage) ratio | 8.8219% | 4,944 |
| Tier 1 risk-based capital ratio | 10.2647% | 5,668 |
| Total risk-based capital ratio | 11.0123% | 5,764 |
| Memoranda: | ||
| Average total assets | $993,549,000 | 729 |
| Average earning assets | $928,719,400 | 713 |
| Average equity | $87,979,600 | 903 |
| Average total loans | $841,520,200 | 599 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1981% | 2,523 |
| Cost of funding earning assets | 0.4348% | 2,689 |
| Net interest margin | 3.7633% | 2,480 |
| Noninterest income to average assets | 1.5867% | 489 |
| Noninterest expense to average assets | 3.9179% | 654 |
| Loan and lease loss provision to assets | 0.1762% | 1,276 |
| Net operating income to assets | 0.6516% | 4,078 |
| Return on assets (ROA) | 0.6516% | 4,199 |
| Pretax return on assets | 1.0095% | 3,599 |
| Return on Equity (ROE) | 7.3565% | 3,377 |
| Retained earnings to average equity (ytd only) | 7.3565% | 1,457 |
| Net charge-offs to loans | 0.0859% | 2,106 |
| Credit loss provision to net charge-offs | 242.4581% | 1,225 |
| Earnings coverage of net charge-offs (x) | 16.3148% | 2,121 |
| Efficiency ratio | 75.3911% | 2,052 |
| Assets per employee ($millions) | 3.7438% | 4,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6529% | 5,522 |
| Loan loss allowance to noncurrent loans | 93.8687% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.8422% | 2,439 |
| Noncurrent loans to loans | 0.6955% | 2,945 |
| Net loans and leases to total assets | 84.4997% | 368 |
| Net loans and leases to deposits | 105.0538% | 408 |
| Net loans and leases to core deposits | 116.3345% | 647 |
| Total domestic deposits to total assets | 80.4346% | 4,408 |
| Equity capital to assets | 8.8619% | 5,271 |
| Core capital (leverage) ratio | 9.1252% | 4,688 |
| Tier 1 risk-based capital ratio | 10.3967% | 5,659 |
| Total risk-based capital ratio | 11.0626% | 5,810 |
| Memoranda: | ||
| Average total assets | $985,173,500 | 739 |
| Average earning assets | $920,656,000 | 721 |
| Average equity | $87,268,000 | 910 |
| Average total loans | $833,755,750 | 601 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2070% | 2,491 |
| Cost of funding earning assets | 0.4338% | 2,704 |
| Net interest margin | 3.7732% | 2,431 |
| Noninterest income to average assets | 1.5049% | 525 |
| Noninterest expense to average assets | 3.9353% | 647 |
| Loan and lease loss provision to assets | 0.1845% | 1,180 |
| Net operating income to assets | 0.5920% | 4,311 |
| Return on assets (ROA) | 0.5920% | 4,433 |
| Pretax return on assets | 0.9094% | 3,922 |
| Return on Equity (ROE) | 6.6838% | 3,703 |
| Retained earnings to average equity (ytd only) | 6.6838% | 1,770 |
| Net charge-offs to loans | 0.0061% | 3,481 |
| Credit loss provision to net charge-offs | 3,600.0000% | 119 |
| Earnings coverage of net charge-offs (x) | 213.4000% | 306 |
| Efficiency ratio | 76.8092% | 1,959 |
| Assets per employee ($millions) | 3.6751% | 4,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6772% | 5,563 |
| Loan loss allowance to noncurrent loans | 73.1533% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.0255% | 2,084 |
| Noncurrent loans to loans | 0.9258% | 2,418 |
| Net loans and leases to total assets | 85.2134% | 314 |
| Net loans and leases to deposits | 103.9216% | 464 |
| Net loans and leases to core deposits | 113.3463% | 754 |
| Total domestic deposits to total assets | 81.9978% | 3,998 |
| Equity capital to assets | 8.9005% | 5,313 |
| Core capital (leverage) ratio | 8.8465% | 5,003 |
| Tier 1 risk-based capital ratio | 10.2111% | 5,789 |
| Total risk-based capital ratio | 10.8941% | 5,899 |
| Memoranda: | ||
| Average total assets | $975,378,670 | 744 |
| Average earning assets | $911,061,330 | 728 |
| Average equity | $86,387,670 | 920 |
| Average total loans | $824,030,330 | 605 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,305 |
| Cost of funding earning assets | 0.4103% | 2,958 |
| Net interest margin | 3.8390% | 2,146 |
| Noninterest income to average assets | 1.1776% | 793 |
| Noninterest expense to average assets | 3.9605% | 636 |
| Loan and lease loss provision to assets | 0.1590% | 1,312 |
| Net operating income to assets | 0.4302% | 4,900 |
| Return on assets (ROA) | 0.4302% | 4,978 |
| Pretax return on assets | 0.6437% | 4,692 |
| Return on Equity (ROE) | 4.8699% | 4,546 |
| Retained earnings to average equity (ytd only) | 4.8699% | 3,021 |
| Net charge-offs to loans | -0.0010% | 4,080 |
| Credit loss provision to net charge-offs | -19,250.0000% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6141% | 1,408 |
| Assets per employee ($millions) | 3.7230% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 5,678 |
| Loan loss allowance to noncurrent loans | 55.6780% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 1,840 |
| Noncurrent loans to loans | 1.1593% | 2,085 |
| Net loans and leases to total assets | 81.6903% | 603 |
| Net loans and leases to deposits | 99.1702% | 677 |
| Net loans and leases to core deposits | 109.6750% | 869 |
| Total domestic deposits to total assets | 82.3738% | 4,096 |
| Equity capital to assets | 8.6965% | 5,425 |
| Core capital (leverage) ratio | 8.9931% | 4,867 |
| Tier 1 risk-based capital ratio | 10.5129% | 5,743 |
| Total risk-based capital ratio | 11.1696% | 5,895 |
| Memoranda: | ||
| Average total assets | $968,772,500 | 748 |
| Average earning assets | $904,808,500 | 730 |
| Average equity | $85,586,500 | 927 |
| Average total loans | $811,967,500 | 613 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 1,776 |
| Cost of funding earning assets | 0.4017% | 3,139 |
| Net interest margin | 4.0363% | 1,603 |
| Noninterest income to average assets | 1.3919% | 626 |
| Noninterest expense to average assets | 4.6086% | 380 |
| Loan and lease loss provision to assets | 0.2283% | 879 |
| Net operating income to assets | 0.1835% | 5,610 |
| Return on assets (ROA) | 0.1835% | 5,660 |
| Pretax return on assets | 0.3259% | 5,468 |
| Return on Equity (ROE) | 2.0524% | 5,559 |
| Retained earnings to average equity (ytd only) | 2.0524% | 4,562 |
| Net charge-offs to loans | 0.0814% | 2,667 |
| Credit loss provision to net charge-offs | 322.6714% | 925 |
| Earnings coverage of net charge-offs (x) | 7.8330% | 3,033 |
| Efficiency ratio | 88.1521% | 823 |
| Assets per employee ($millions) | 3.6857% | 4,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6013% | 5,795 |
| Loan loss allowance to noncurrent loans | 49.6533% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 1.2853% | 1,659 |
| Noncurrent loans to loans | 1.2111% | 1,948 |
| Net loans and leases to total assets | 84.9656% | 314 |
| Net loans and leases to deposits | 105.9182% | 365 |
| Net loans and leases to core deposits | 117.5633% | 556 |
| Total domestic deposits to total assets | 80.2181% | 4,697 |
| Equity capital to assets | 8.9788% | 5,145 |
| Core capital (leverage) ratio | 9.0446% | 4,825 |
| Tier 1 risk-based capital ratio | 10.4585% | 5,795 |
| Total risk-based capital ratio | 11.0721% | 5,954 |
| Memoranda: | ||
| Average total assets | $804,178,800 | 863 |
| Average earning assets | $751,299,200 | 849 |
| Average equity | $71,916,000 | 1,059 |
| Average total loans | $698,692,200 | 663 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 2,091 |
| Cost of funding earning assets | 0.3945% | 3,276 |
| Net interest margin | 3.9509% | 1,872 |
| Noninterest income to average assets | 1.4417% | 597 |
| Noninterest expense to average assets | 4.6239% | 378 |
| Loan and lease loss provision to assets | 0.1761% | 1,201 |
| Net operating income to assets | 0.1725% | 5,731 |
| Return on assets (ROA) | 0.1725% | 5,787 |
| Pretax return on assets | 0.3323% | 5,591 |
| Return on Equity (ROE) | 1.9310% | 5,680 |
| Retained earnings to average equity (ytd only) | 1.9310% | 4,916 |
| Net charge-offs to loans | 0.0596% | 2,751 |
| Credit loss provision to net charge-offs | 338.3333% | 866 |
| Earnings coverage of net charge-offs (x) | 9.7667% | 2,667 |
| Efficiency ratio | 89.2559% | 751 |
| Assets per employee ($millions) | 3.4918% | 4,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5265% | 5,990 |
| Loan loss allowance to noncurrent loans | 39.5692% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3697% | 1,684 |
| Noncurrent loans to loans | 1.3306% | 1,921 |
| Net loans and leases to total assets | 88.1433% | 129 |
| Net loans and leases to deposits | 107.8911% | 308 |
| Net loans and leases to core deposits | 117.2954% | 550 |
| Total domestic deposits to total assets | 81.6966% | 4,256 |
| Equity capital to assets | 9.1446% | 5,169 |
| Core capital (leverage) ratio | 10.2526% | 3,307 |
| Tier 1 risk-based capital ratio | 10.5868% | 5,843 |
| Total risk-based capital ratio | 11.1408% | 6,034 |
| Memoranda: | ||
| Average total assets | $768,418,750 | 903 |
| Average earning assets | $717,790,000 | 893 |
| Average equity | $68,632,750 | 1,113 |
| Average total loans | $670,945,500 | 700 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 1,688 |
| Cost of funding earning assets | 0.4007% | 3,270 |
| Net interest margin | 4.0513% | 1,495 |
| Noninterest income to average assets | 1.6162% | 497 |
| Noninterest expense to average assets | 4.4666% | 440 |
| Loan and lease loss provision to assets | 0.2192% | 864 |
| Net operating income to assets | 0.4538% | 4,961 |
| Return on assets (ROA) | 0.4538% | 5,064 |
| Pretax return on assets | 0.7200% | 4,600 |
| Return on Equity (ROE) | 5.1339% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.1339% | 2,775 |
| Net charge-offs to loans | 0.0605% | 2,522 |
| Credit loss provision to net charge-offs | 417.5532% | 719 |
| Earnings coverage of net charge-offs (x) | 17.8883% | 1,831 |
| Efficiency ratio | 82.6255% | 1,418 |
| Assets per employee ($millions) | 3.3943% | 4,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 5,898 |
| Loan loss allowance to noncurrent loans | 64.7195% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 1.2010% | 2,107 |
| Noncurrent loans to loans | 1.0005% | 2,642 |
| Net loans and leases to total assets | 86.2765% | 224 |
| Net loans and leases to deposits | 109.0790% | 283 |
| Net loans and leases to core deposits | 125.3504% | 347 |
| Total domestic deposits to total assets | 79.0954% | 5,082 |
| Equity capital to assets | 9.4833% | 4,674 |
| Core capital (leverage) ratio | 9.9510% | 3,682 |
| Tier 1 risk-based capital ratio | 11.0157% | 5,702 |
| Total risk-based capital ratio | 11.6735% | 5,890 |
| Memoranda: | ||
| Average total assets | $716,117,330 | 976 |
| Average earning assets | $669,865,330 | 963 |
| Average equity | $63,304,670 | 1,207 |
| Average total loans | $621,285,000 | 762 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 1,386 |
| Cost of funding earning assets | 0.4012% | 3,295 |
| Net interest margin | 4.1267% | 1,215 |
| Noninterest income to average assets | 1.3407% | 639 |
| Noninterest expense to average assets | 4.3967% | 460 |
| Loan and lease loss provision to assets | 0.1427% | 1,433 |
| Net operating income to assets | 0.4207% | 4,994 |
| Return on assets (ROA) | 0.4207% | 5,117 |
| Pretax return on assets | 0.6644% | 4,713 |
| Return on Equity (ROE) | 4.9505% | 4,551 |
| Retained earnings to average equity (ytd only) | 4.9505% | 3,080 |
| Net charge-offs to loans | 0.0086% | 3,042 |
| Credit loss provision to net charge-offs | 1,923.0769% | 206 |
| Earnings coverage of net charge-offs (x) | 108.7692% | 460 |
| Efficiency ratio | 84.4905% | 1,317 |
| Assets per employee ($millions) | 3.3822% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6196% | 6,032 |
| Loan loss allowance to noncurrent loans | 84.3180% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 2,645 |
| Noncurrent loans to loans | 0.7348% | 3,426 |
| Net loans and leases to total assets | 86.6939% | 156 |
| Net loans and leases to deposits | 105.8238% | 319 |
| Net loans and leases to core deposits | 122.6989% | 359 |
| Total domestic deposits to total assets | 81.9228% | 4,533 |
| Equity capital to assets | 8.4380% | 5,781 |
| Core capital (leverage) ratio | 8.6054% | 5,416 |
| Tier 1 risk-based capital ratio | 9.7914% | 6,220 |
| Total risk-based capital ratio | 10.4243% | 6,291 |
| Memoranda: | ||
| Average total assets | $700,805,500 | 993 |
| Average earning assets | $656,026,500 | 979 |
| Average equity | $59,549,000 | 1,292 |
| Average total loans | $607,697,000 | 771 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4790% | 1,960 |
| Cost of funding earning assets | 0.4594% | 3,079 |
| Net interest margin | 4.0196% | 1,842 |
| Noninterest income to average assets | 4.1824% | 145 |
| Noninterest expense to average assets | 4.1448% | 644 |
| Loan and lease loss provision to assets | 0.5797% | 244 |
| Net operating income to assets | 1.9305% | 374 |
| Return on assets (ROA) | 1.9045% | 400 |
| Pretax return on assets | 3.1507% | 97 |
| Return on Equity (ROE) | 21.0723% | 205 |
| Retained earnings to average equity (ytd only) | 21.0723% | 58 |
| Net charge-offs to loans | 0.4500% | 935 |
| Credit loss provision to net charge-offs | 150.7642% | 1,602 |
| Earnings coverage of net charge-offs (x) | 9.8078% | 2,695 |
| Efficiency ratio | 52.3611% | 5,956 |
| Assets per employee ($millions) | 3.2306% | 5,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6046% | 6,138 |
| Loan loss allowance to noncurrent loans | 66.4086% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.1421% | 2,475 |
| Noncurrent loans to loans | 0.9104% | 3,040 |
| Net loans and leases to total assets | 85.6585% | 231 |
| Net loans and leases to deposits | 106.6261% | 334 |
| Net loans and leases to core deposits | 115.2182% | 548 |
| Total domestic deposits to total assets | 80.3354% | 4,931 |
| Equity capital to assets | 8.5581% | 5,687 |
| Core capital (leverage) ratio | 8.5384% | 5,516 |
| Tier 1 risk-based capital ratio | 10.0655% | 6,243 |
| Total risk-based capital ratio | 10.6929% | 6,339 |
| Memoranda: | ||
| Average total assets | $561,520,400 | 1,182 |
| Average earning assets | $521,540,400 | 1,169 |
| Average equity | $50,749,200 | 1,429 |
| Average total loans | $479,745,000 | 924 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 2,238 |
| Cost of funding earning assets | 0.4698% | 3,056 |
| Net interest margin | 3.9267% | 2,134 |
| Noninterest income to average assets | 1.2240% | 812 |
| Noninterest expense to average assets | 3.6600% | 1,195 |
| Loan and lease loss provision to assets | 0.6477% | 201 |
| Net operating income to assets | 0.3594% | 5,402 |
| Return on assets (ROA) | 0.3594% | 5,478 |
| Pretax return on assets | 0.5522% | 5,181 |
| Return on Equity (ROE) | 3.9085% | 5,206 |
| Retained earnings to average equity (ytd only) | 3.9085% | 3,868 |
| Net charge-offs to loans | 0.6088% | 604 |
| Credit loss provision to net charge-offs | 124.8785% | 1,845 |
| Earnings coverage of net charge-offs (x) | 2.3134% | 3,948 |
| Efficiency ratio | 75.3111% | 2,619 |
| Assets per employee ($millions) | 3.4641% | 4,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6037% | 6,219 |
| Loan loss allowance to noncurrent loans | 128.6445% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 0.8379% | 3,324 |
| Noncurrent loans to loans | 0.4693% | 4,501 |
| Net loans and leases to total assets | 86.4089% | 172 |
| Net loans and leases to deposits | 109.3603% | 235 |
| Net loans and leases to core deposits | 126.8704% | 270 |
| Total domestic deposits to total assets | 79.0130% | 5,325 |
| Equity capital to assets | 8.6810% | 5,658 |
| Core capital (leverage) ratio | 9.0458% | 5,009 |
| Tier 1 risk-based capital ratio | 10.0011% | 6,348 |
| Total risk-based capital ratio | 10.6156% | 6,431 |
| Memoranda: | ||
| Average total assets | $529,064,250 | 1,275 |
| Average earning assets | $489,866,500 | 1,267 |
| Average equity | $48,645,000 | 1,484 |
| Average total loans | $450,731,750 | 982 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3495% | 2,383 |
| Cost of funding earning assets | 0.4543% | 3,282 |
| Net interest margin | 3.8952% | 2,187 |
| Noninterest income to average assets | 1.0441% | 1,089 |
| Noninterest expense to average assets | 3.7649% | 1,022 |
| Loan and lease loss provision to assets | 0.1950% | 1,253 |
| Net operating income to assets | 0.4352% | 5,077 |
| Return on assets (ROA) | 0.4352% | 5,158 |
| Pretax return on assets | 0.6891% | 4,677 |
| Return on Equity (ROE) | 4.6370% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.6370% | 3,204 |
| Net charge-offs to loans | -0.0212% | 5,567 |
| Credit loss provision to net charge-offs | -1,089.1304% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9831% | 1,881 |
| Assets per employee ($millions) | 3.5095% | 4,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6606% | 6,231 |
| Loan loss allowance to noncurrent loans | 135.0885% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.8693% | 3,367 |
| Noncurrent loans to loans | 0.4890% | 4,534 |
| Net loans and leases to total assets | 86.0691% | 174 |
| Net loans and leases to deposits | 108.1702% | 244 |
| Net loans and leases to core deposits | 126.1804% | 267 |
| Total domestic deposits to total assets | 79.5682% | 5,335 |
| Equity capital to assets | 9.1597% | 5,145 |
| Core capital (leverage) ratio | 9.5251% | 4,293 |
| Tier 1 risk-based capital ratio | 10.6241% | 6,211 |
| Total risk-based capital ratio | 11.2921% | 6,343 |
| Memoranda: | ||
| Average total assets | $513,740,000 | 1,313 |
| Average earning assets | $475,453,000 | 1,295 |
| Average equity | $48,220,330 | 1,482 |
| Average total loans | $434,342,000 | 1,017 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 2,724 |
| Cost of funding earning assets | 0.4399% | 3,535 |
| Net interest margin | 3.7987% | 2,477 |
| Noninterest income to average assets | 0.4938% | 3,463 |
| Noninterest expense to average assets | 3.5143% | 1,459 |
| Loan and lease loss provision to assets | 0.1397% | 1,739 |
| Net operating income to assets | 0.2461% | 5,676 |
| Return on assets (ROA) | 0.2461% | 5,721 |
| Pretax return on assets | 0.3564% | 5,580 |
| Return on Equity (ROE) | 2.5888% | 5,596 |
| Retained earnings to average equity (ytd only) | 2.5888% | 4,520 |
| Net charge-offs to loans | -0.0171% | 5,279 |
| Credit loss provision to net charge-offs | -977.7778% | 5,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6287% | 1,269 |
| Assets per employee ($millions) | 3.7905% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6226% | 6,376 |
| Loan loss allowance to noncurrent loans | 80.4529% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1287% | 2,994 |
| Noncurrent loans to loans | 0.7739% | 3,927 |
| Net loans and leases to total assets | 84.8487% | 194 |
| Net loans and leases to deposits | 106.8835% | 217 |
| Net loans and leases to core deposits | 124.5207% | 248 |
| Total domestic deposits to total assets | 79.3843% | 5,614 |
| Equity capital to assets | 9.4611% | 4,549 |
| Core capital (leverage) ratio | 9.6241% | 4,102 |
| Tier 1 risk-based capital ratio | 10.8488% | 6,221 |
| Total risk-based capital ratio | 11.4626% | 6,387 |
| Memoranda: | ||
| Average total assets | $503,886,000 | 1,338 |
| Average earning assets | $466,470,000 | 1,323 |
| Average equity | $47,899,500 | 1,492 |
| Average total loans | $420,419,500 | 1,046 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3496% | 2,776 |
| Cost of funding earning assets | 0.4655% | 3,962 |
| Net interest margin | 3.8841% | 2,354 |
| Noninterest income to average assets | 0.2231% | 5,739 |
| Noninterest expense to average assets | 2.8739% | 3,447 |
| Loan and lease loss provision to assets | 0.2176% | 1,676 |
| Net operating income to assets | 0.5164% | 4,668 |
| Return on assets (ROA) | 0.5164% | 4,796 |
| Pretax return on assets | 0.7411% | 4,374 |
| Return on Equity (ROE) | 5.4479% | 4,428 |
| Retained earnings to average equity (ytd only) | 5.4479% | 2,316 |
| Net charge-offs to loans | 0.3323% | 2,013 |
| Credit loss provision to net charge-offs | 78.8907% | 3,073 |
| Earnings coverage of net charge-offs (x) | 3.4752% | 3,841 |
| Efficiency ratio | 74.9851% | 2,954 |
| Assets per employee ($millions) | 5.2068% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6155% | 6,453 |
| Loan loss allowance to noncurrent loans | 68.9029% | 4,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2032% | 2,992 |
| Noncurrent loans to loans | 0.8932% | 3,758 |
| Net loans and leases to total assets | 80.9578% | 500 |
| Net loans and leases to deposits | 103.5449% | 337 |
| Net loans and leases to core deposits | 119.7084% | 338 |
| Total domestic deposits to total assets | 78.1862% | 5,802 |
| Equity capital to assets | 9.5517% | 4,346 |
| Core capital (leverage) ratio | 9.7695% | 3,885 |
| Tier 1 risk-based capital ratio | 11.2566% | 6,046 |
| Total risk-based capital ratio | 11.8518% | 6,292 |
| Memoranda: | ||
| Average total assets | $437,876,800 | 1,513 |
| Average earning assets | $406,912,200 | 1,491 |
| Average equity | $41,502,400 | 1,686 |
| Average total loans | $363,571,400 | 1,175 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 2,827 |
| Cost of funding earning assets | 0.4673% | 4,088 |
| Net interest margin | 3.8748% | 2,362 |
| Noninterest income to average assets | 0.1938% | 6,010 |
| Noninterest expense to average assets | 2.8173% | 3,601 |
| Loan and lease loss provision to assets | 0.2102% | 1,732 |
| Net operating income to assets | 0.5158% | 4,736 |
| Return on assets (ROA) | 0.5158% | 4,888 |
| Pretax return on assets | 0.7708% | 4,416 |
| Return on Equity (ROE) | 5.4544% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.4544% | 2,754 |
| Net charge-offs to loans | 0.1077% | 3,462 |
| Credit loss provision to net charge-offs | 233.6842% | 1,037 |
| Earnings coverage of net charge-offs (x) | 10.9053% | 2,303 |
| Efficiency ratio | 74.1710% | 3,033 |
| Assets per employee ($millions) | 5.5549% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 6,316 |
| Loan loss allowance to noncurrent loans | 73.8078% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 1.4217% | 2,824 |
| Noncurrent loans to loans | 1.0588% | 3,684 |
| Net loans and leases to total assets | 85.4927% | 172 |
| Net loans and leases to deposits | 110.1974% | 150 |
| Net loans and leases to core deposits | 125.5516% | 244 |
| Total domestic deposits to total assets | 77.5814% | 5,964 |
| Equity capital to assets | 10.0983% | 3,768 |
| Core capital (leverage) ratio | 10.6412% | 2,847 |
| Tier 1 risk-based capital ratio | 11.4514% | 6,082 |
| Total risk-based capital ratio | 12.2238% | 6,259 |
| Memoranda: | ||
| Average total assets | $422,383,750 | 1,573 |
| Average earning assets | $392,923,750 | 1,551 |
| Average equity | $39,942,000 | 1,757 |
| Average total loans | $352,671,000 | 1,212 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,949 |
| Cost of funding earning assets | 0.4659% | 4,253 |
| Net interest margin | 3.8352% | 2,423 |
| Noninterest income to average assets | 0.3150% | 5,182 |
| Noninterest expense to average assets | 2.7760% | 3,756 |
| Loan and lease loss provision to assets | 0.2581% | 1,435 |
| Net operating income to assets | 0.5569% | 4,517 |
| Return on assets (ROA) | 0.5569% | 4,691 |
| Pretax return on assets | 0.8434% | 4,142 |
| Return on Equity (ROE) | 6.0454% | 4,148 |
| Retained earnings to average equity (ytd only) | 6.0454% | 2,407 |
| Net charge-offs to loans | 0.2017% | 2,547 |
| Credit loss provision to net charge-offs | 155.1622% | 1,486 |
| Earnings coverage of net charge-offs (x) | 6.6224% | 2,686 |
| Efficiency ratio | 71.5931% | 3,540 |
| Assets per employee ($millions) | 5.3840% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8350% | 6,290 |
| Loan loss allowance to noncurrent loans | 82.3694% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.5206% | 2,823 |
| Noncurrent loans to loans | 1.0138% | 3,909 |
| Net loans and leases to total assets | 84.4470% | 211 |
| Net loans and leases to deposits | 104.4041% | 257 |
| Net loans and leases to core deposits | 121.9476% | 290 |
| Total domestic deposits to total assets | 80.8848% | 5,375 |
| Equity capital to assets | 9.1956% | 4,996 |
| Core capital (leverage) ratio | 9.5521% | 4,157 |
| Tier 1 risk-based capital ratio | 10.6226% | 6,467 |
| Total risk-based capital ratio | 11.4444% | 6,563 |
| Memoranda: | ||
| Average total assets | $407,641,000 | 1,632 |
| Average earning assets | $378,652,670 | 1,603 |
| Average equity | $37,549,330 | 1,867 |
| Average total loans | $336,207,670 | 1,267 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2327% | 3,173 |
| Cost of funding earning assets | 0.4652% | 4,423 |
| Net interest margin | 3.7675% | 2,579 |
| Noninterest income to average assets | 0.3246% | 5,106 |
| Noninterest expense to average assets | 2.6701% | 4,184 |
| Loan and lease loss provision to assets | 0.3573% | 907 |
| Net operating income to assets | 0.5295% | 4,537 |
| Return on assets (ROA) | 0.5295% | 4,683 |
| Pretax return on assets | 0.8076% | 4,142 |
| Return on Equity (ROE) | 5.7430% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.7430% | 2,817 |
| Net charge-offs to loans | 0.1769% | 2,331 |
| Credit loss provision to net charge-offs | 248.9655% | 930 |
| Earnings coverage of net charge-offs (x) | 8.1172% | 1,977 |
| Efficiency ratio | 69.6258% | 4,033 |
| Assets per employee ($millions) | 5.6526% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 6,265 |
| Loan loss allowance to noncurrent loans | 120.7708% | 2,868 |
| Noncurrent assets plus other real estate owned to assets | 1.2752% | 3,430 |
| Noncurrent loans to loans | 0.7425% | 4,646 |
| Net loans and leases to total assets | 80.8377% | 358 |
| Net loans and leases to deposits | 98.7531% | 405 |
| Net loans and leases to core deposits | 115.3593% | 364 |
| Total domestic deposits to total assets | 81.8584% | 5,251 |
| Equity capital to assets | 9.2207% | 5,228 |
| Core capital (leverage) ratio | 9.6058% | 3,915 |
| Tier 1 risk-based capital ratio | 11.0349% | 6,389 |
| Total risk-based capital ratio | 11.9106% | 6,498 |
| Memoranda: | ||
| Average total assets | $404,176,500 | 1,654 |
| Average earning assets | $376,592,000 | 1,624 |
| Average equity | $37,263,000 | 1,902 |
| Average total loans | $327,791,500 | 1,297 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6193% | 2,921 |
| Cost of funding earning assets | 0.5939% | 4,409 |
| Net interest margin | 4.0255% | 2,289 |
| Noninterest income to average assets | 0.2001% | 5,985 |
| Noninterest expense to average assets | 2.9351% | 3,520 |
| Loan and lease loss provision to assets | 0.1990% | 3,146 |
| Net operating income to assets | 0.5167% | 4,615 |
| Return on assets (ROA) | 0.5167% | 4,884 |
| Pretax return on assets | 0.8340% | 4,169 |
| Return on Equity (ROE) | 5.1481% | 4,611 |
| Retained earnings to average equity (ytd only) | 5.1481% | 2,607 |
| Net charge-offs to loans | 0.4711% | 2,353 |
| Credit loss provision to net charge-offs | 51.5501% | 4,660 |
| Earnings coverage of net charge-offs (x) | 2.6756% | 4,091 |
| Efficiency ratio | 73.9670% | 3,074 |
| Assets per employee ($millions) | 5.5745% | 1,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 6,387 |
| Loan loss allowance to noncurrent loans | 104.1887% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3835% | 3,324 |
| Noncurrent loans to loans | 0.8189% | 4,547 |
| Net loans and leases to total assets | 79.9385% | 480 |
| Net loans and leases to deposits | 98.7744% | 468 |
| Net loans and leases to core deposits | 111.7101% | 480 |
| Total domestic deposits to total assets | 80.9304% | 5,428 |
| Equity capital to assets | 9.2183% | 5,247 |
| Core capital (leverage) ratio | 9.7894% | 3,672 |
| Tier 1 risk-based capital ratio | 11.3225% | 6,203 |
| Total risk-based capital ratio | 12.1679% | 6,345 |
| Memoranda: | ||
| Average total assets | $359,236,600 | 1,805 |
| Average earning assets | $336,260,000 | 1,764 |
| Average equity | $36,052,000 | 1,920 |
| Average total loans | $294,390,000 | 1,424 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7094% | 2,773 |
| Cost of funding earning assets | 0.6312% | 4,353 |
| Net interest margin | 4.0782% | 2,182 |
| Noninterest income to average assets | 0.1916% | 6,152 |
| Noninterest expense to average assets | 2.9216% | 3,513 |
| Loan and lease loss provision to assets | 0.2474% | 2,586 |
| Net operating income to assets | 0.5139% | 4,793 |
| Return on assets (ROA) | 0.5139% | 5,048 |
| Pretax return on assets | 0.8320% | 4,373 |
| Return on Equity (ROE) | 5.0033% | 4,816 |
| Retained earnings to average equity (ytd only) | 5.0033% | 3,360 |
| Net charge-offs to loans | 0.6270% | 1,751 |
| Credit loss provision to net charge-offs | 47.9259% | 4,447 |
| Earnings coverage of net charge-offs (x) | 2.0911% | 4,226 |
| Efficiency ratio | 73.0218% | 3,143 |
| Assets per employee ($millions) | 5.2546% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9126% | 6,348 |
| Loan loss allowance to noncurrent loans | 97.2915% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.5521% | 3,263 |
| Noncurrent loans to loans | 0.9380% | 4,558 |
| Net loans and leases to total assets | 80.5839% | 462 |
| Net loans and leases to deposits | 99.3507% | 476 |
| Net loans and leases to core deposits | 112.4364% | 483 |
| Total domestic deposits to total assets | 81.1105% | 5,319 |
| Equity capital to assets | 9.9200% | 4,621 |
| Core capital (leverage) ratio | 10.0956% | 3,410 |
| Tier 1 risk-based capital ratio | 11.8953% | 5,998 |
| Total risk-based capital ratio | 12.7858% | 6,180 |
| Memoranda: | ||
| Average total assets | $348,704,250 | 1,878 |
| Average earning assets | $325,720,750 | 1,846 |
| Average equity | $35,815,250 | 1,945 |
| Average total loans | $287,085,750 | 1,468 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 2,606 |
| Cost of funding earning assets | 0.6641% | 4,334 |
| Net interest margin | 4.1111% | 2,044 |
| Noninterest income to average assets | 0.1817% | 6,264 |
| Noninterest expense to average assets | 2.9556% | 3,423 |
| Loan and lease loss provision to assets | 0.1998% | 3,082 |
| Net operating income to assets | 0.5270% | 4,692 |
| Return on assets (ROA) | 0.5270% | 4,968 |
| Pretax return on assets | 0.8530% | 4,268 |
| Return on Equity (ROE) | 5.0687% | 4,780 |
| Retained earnings to average equity (ytd only) | 5.0687% | 3,244 |
| Net charge-offs to loans | 0.4939% | 2,104 |
| Credit loss provision to net charge-offs | 48.9270% | 4,063 |
| Earnings coverage of net charge-offs (x) | 2.5780% | 3,716 |
| Efficiency ratio | 73.7356% | 3,116 |
| Assets per employee ($millions) | 5.3952% | 1,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,936 |
| Loan loss allowance to noncurrent loans | 59.5547% | 4,654 |
| Noncurrent assets plus other real estate owned to assets | 1.8426% | 2,978 |
| Noncurrent loans to loans | 1.7727% | 3,254 |
| Net loans and leases to total assets | 80.9623% | 410 |
| Net loans and leases to deposits | 101.3656% | 368 |
| Net loans and leases to core deposits | 115.6462% | 405 |
| Total domestic deposits to total assets | 79.8715% | 5,773 |
| Equity capital to assets | 10.1204% | 4,159 |
| Core capital (leverage) ratio | 10.2746% | 3,073 |
| Tier 1 risk-based capital ratio | 12.1836% | 5,807 |
| Total risk-based capital ratio | 13.2323% | 5,920 |
| Memoranda: | ||
| Average total assets | $342,331,000 | 1,905 |
| Average earning assets | $318,650,330 | 1,879 |
| Average equity | $35,591,000 | 1,945 |
| Average total loans | $283,068,670 | 1,487 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 2,234 |
| Cost of funding earning assets | 0.6744% | 4,509 |
| Net interest margin | 4.2279% | 1,680 |
| Noninterest income to average assets | 0.1025% | 6,733 |
| Noninterest expense to average assets | 2.9679% | 3,397 |
| Loan and lease loss provision to assets | 0.1681% | 3,292 |
| Net operating income to assets | 0.5473% | 4,610 |
| Return on assets (ROA) | 0.5473% | 4,824 |
| Pretax return on assets | 0.8836% | 4,090 |
| Return on Equity (ROE) | 5.1911% | 4,696 |
| Retained earnings to average equity (ytd only) | 5.1911% | 3,447 |
| Net charge-offs to loans | 0.0760% | 3,741 |
| Credit loss provision to net charge-offs | 266.0377% | 1,091 |
| Earnings coverage of net charge-offs (x) | 16.6415% | 1,348 |
| Efficiency ratio | 73.8357% | 3,122 |
| Assets per employee ($millions) | 5.7011% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 5,223 |
| Loan loss allowance to noncurrent loans | 55.8534% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 2.2256% | 2,665 |
| Noncurrent loans to loans | 2.2461% | 2,866 |
| Net loans and leases to total assets | 79.6906% | 438 |
| Net loans and leases to deposits | 96.6979% | 496 |
| Net loans and leases to core deposits | 110.6471% | 514 |
| Total domestic deposits to total assets | 82.4119% | 5,161 |
| Equity capital to assets | 10.2349% | 3,808 |
| Core capital (leverage) ratio | 10.4179% | 2,849 |
| Tier 1 risk-based capital ratio | 12.6865% | 5,458 |
| Total risk-based capital ratio | 13.9369% | 5,422 |
| Memoranda: | ||
| Average total assets | $335,455,500 | 1,947 |
| Average earning assets | $310,792,500 | 1,925 |
| Average equity | $35,368,000 | 1,961 |
| Average total loans | $278,919,000 | 1,514 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1186% | 2,379 |
| Cost of funding earning assets | 0.6958% | 5,567 |
| Net interest margin | 4.4229% | 1,336 |
| Noninterest income to average assets | 0.1153% | 6,571 |
| Noninterest expense to average assets | 2.9326% | 3,831 |
| Loan and lease loss provision to assets | 0.3729% | 2,756 |
| Net operating income to assets | 0.4988% | 4,430 |
| Return on assets (ROA) | 0.4988% | 4,644 |
| Pretax return on assets | 0.8624% | 3,731 |
| Return on Equity (ROE) | 4.9647% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.9647% | 2,665 |
| Net charge-offs to loans | 0.4769% | 3,085 |
| Credit loss provision to net charge-offs | 92.8230% | 3,885 |
| Earnings coverage of net charge-offs (x) | 3.0750% | 3,669 |
| Efficiency ratio | 70.3613% | 3,876 |
| Assets per employee ($millions) | 5.2974% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 5,233 |
| Loan loss allowance to noncurrent loans | 59.9337% | 4,512 |
| Noncurrent assets plus other real estate owned to assets | 2.3559% | 2,566 |
| Noncurrent loans to loans | 2.0665% | 3,116 |
| Net loans and leases to total assets | 84.7135% | 180 |
| Net loans and leases to deposits | 103.0764% | 337 |
| Net loans and leases to core deposits | 118.6863% | 383 |
| Total domestic deposits to total assets | 82.1852% | 5,065 |
| Equity capital to assets | 10.8751% | 3,115 |
| Core capital (leverage) ratio | 10.9197% | 2,332 |
| Tier 1 risk-based capital ratio | 12.5106% | 5,437 |
| Total risk-based capital ratio | 13.7470% | 5,435 |
| Memoranda: | ||
| Average total assets | $312,145,400 | 2,056 |
| Average earning assets | $286,013,400 | 2,054 |
| Average equity | $31,361,600 | 2,112 |
| Average total loans | $262,927,800 | 1,600 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 2,611 |
| Cost of funding earning assets | 0.6998% | 5,766 |
| Net interest margin | 4.3990% | 1,410 |
| Noninterest income to average assets | 0.3861% | 4,762 |
| Noninterest expense to average assets | 3.2691% | 2,600 |
| Loan and lease loss provision to assets | 0.3193% | 2,984 |
| Net operating income to assets | 0.4982% | 4,560 |
| Return on assets (ROA) | 0.4982% | 4,745 |
| Pretax return on assets | 0.8231% | 4,044 |
| Return on Equity (ROE) | 5.0673% | 4,504 |
| Retained earnings to average equity (ytd only) | 5.0673% | 3,129 |
| Net charge-offs to loans | 0.1275% | 4,769 |
| Credit loss provision to net charge-offs | 298.7903% | 964 |
| Earnings coverage of net charge-offs (x) | 10.6895% | 1,888 |
| Efficiency ratio | 74.1037% | 3,156 |
| Assets per employee ($millions) | 5.4481% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4808% | 4,199 |
| Loan loss allowance to noncurrent loans | 108.8937% | 2,744 |
| Noncurrent assets plus other real estate owned to assets | 2.5274% | 2,549 |
| Noncurrent loans to loans | 1.3598% | 4,268 |
| Net loans and leases to total assets | 83.1248% | 281 |
| Net loans and leases to deposits | 104.8103% | 289 |
| Net loans and leases to core deposits | 122.6359% | 326 |
| Total domestic deposits to total assets | 79.3097% | 5,917 |
| Equity capital to assets | 10.8112% | 3,339 |
| Core capital (leverage) ratio | 11.1854% | 2,243 |
| Tier 1 risk-based capital ratio | 12.5431% | 5,459 |
| Total risk-based capital ratio | 13.7959% | 5,443 |
| Memoranda: | ||
| Average total assets | $309,396,500 | 2,077 |
| Average earning assets | $283,115,500 | 2,080 |
| Average equity | $30,416,500 | 2,169 |
| Average total loans | $259,365,500 | 1,637 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0934% | 2,714 |
| Cost of funding earning assets | 0.7049% | 5,933 |
| Net interest margin | 4.3885% | 1,402 |
| Noninterest income to average assets | -0.0190% | 7,224 |
| Noninterest expense to average assets | 3.0401% | 3,481 |
| Loan and lease loss provision to assets | 0.1192% | 4,782 |
| Net operating income to assets | 0.5200% | 4,416 |
| Return on assets (ROA) | 0.5200% | 4,557 |
| Pretax return on assets | 0.8422% | 3,863 |
| Return on Equity (ROE) | 5.4812% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.4812% | 2,697 |
| Net charge-offs to loans | -0.1276% | 7,213 |
| Credit loss provision to net charge-offs | -111.6564% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9738% | 3,015 |
| Assets per employee ($millions) | 5.1774% | 1,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 4,123 |
| Loan loss allowance to noncurrent loans | 110.6091% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 2.5537% | 2,615 |
| Noncurrent loans to loans | 1.3573% | 4,384 |
| Net loans and leases to total assets | 81.6953% | 394 |
| Net loans and leases to deposits | 103.8184% | 325 |
| Net loans and leases to core deposits | 119.2334% | 437 |
| Total domestic deposits to total assets | 78.6906% | 6,150 |
| Equity capital to assets | 9.4549% | 4,881 |
| Core capital (leverage) ratio | 9.6600% | 3,720 |
| Tier 1 risk-based capital ratio | 11.0282% | 6,506 |
| Total risk-based capital ratio | 12.2810% | 6,487 |
| Memoranda: | ||
| Average total assets | $305,383,330 | 2,111 |
| Average earning assets | $279,774,330 | 2,104 |
| Average equity | $28,971,670 | 2,245 |
| Average total loans | $255,417,670 | 1,678 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0902% | 2,685 |
| Cost of funding earning assets | 0.7319% | 5,966 |
| Net interest margin | 4.3583% | 1,403 |
| Noninterest income to average assets | -0.0119% | 7,324 |
| Noninterest expense to average assets | 2.9846% | 3,706 |
| Loan and lease loss provision to assets | 0.1480% | 4,163 |
| Net operating income to assets | 0.5258% | 4,376 |
| Return on assets (ROA) | 0.5258% | 4,460 |
| Pretax return on assets | 0.8522% | 3,698 |
| Return on Equity (ROE) | 5.5332% | 4,146 |
| Retained earnings to average equity (ytd only) | 5.5332% | 2,892 |
| Net charge-offs to loans | -0.2690% | 7,323 |
| Credit loss provision to net charge-offs | -65.4971% | 5,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9005% | 3,347 |
| Assets per employee ($millions) | 5.1753% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 4,135 |
| Loan loss allowance to noncurrent loans | 108.7739% | 2,669 |
| Noncurrent assets plus other real estate owned to assets | 2.6649% | 2,576 |
| Noncurrent loans to loans | 1.3927% | 4,383 |
| Net loans and leases to total assets | 81.0339% | 436 |
| Net loans and leases to deposits | 101.4594% | 405 |
| Net loans and leases to core deposits | 116.2004% | 524 |
| Total domestic deposits to total assets | 79.8683% | 5,976 |
| Equity capital to assets | 9.4884% | 4,453 |
| Core capital (leverage) ratio | 9.4482% | 3,889 |
| Tier 1 risk-based capital ratio | 10.9409% | 6,548 |
| Total risk-based capital ratio | 12.1938% | 6,524 |
| Memoranda: | ||
| Average total assets | $302,754,000 | 2,145 |
| Average earning assets | $277,629,500 | 2,130 |
| Average equity | $28,772,000 | 2,249 |
| Average total loans | $254,302,500 | 1,704 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0507% | 4,312 |
| Cost of funding earning assets | 1.0198% | 5,593 |
| Net interest margin | 4.0309% | 2,887 |
| Noninterest income to average assets | 0.2457% | 6,039 |
| Noninterest expense to average assets | 2.7922% | 4,632 |
| Loan and lease loss provision to assets | 0.5407% | 2,985 |
| Net operating income to assets | 0.4079% | 4,505 |
| Return on assets (ROA) | 0.4079% | 4,637 |
| Pretax return on assets | 0.6794% | 4,049 |
| Return on Equity (ROE) | 4.5476% | 4,276 |
| Retained earnings to average equity (ytd only) | 4.5476% | 2,690 |
| Net charge-offs to loans | 0.6262% | 3,145 |
| Credit loss provision to net charge-offs | 100.9271% | 4,502 |
| Earnings coverage of net charge-offs (x) | 2.2775% | 4,014 |
| Efficiency ratio | 69.5907% | 4,269 |
| Assets per employee ($millions) | 5.1753% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3688% | 4,663 |
| Loan loss allowance to noncurrent loans | 63.8803% | 4,203 |
| Noncurrent assets plus other real estate owned to assets | 2.8447% | 2,461 |
| Noncurrent loans to loans | 2.1428% | 3,377 |
| Net loans and leases to total assets | 84.5683% | 263 |
| Net loans and leases to deposits | 104.8933% | 366 |
| Net loans and leases to core deposits | 119.9814% | 529 |
| Total domestic deposits to total assets | 80.6232% | 5,651 |
| Equity capital to assets | 9.5187% | 4,383 |
| Core capital (leverage) ratio | 9.0482% | 4,456 |
| Tier 1 risk-based capital ratio | 10.5750% | 6,652 |
| Total risk-based capital ratio | 11.8262% | 6,623 |
| Memoranda: | ||
| Average total assets | $302,025,200 | 2,141 |
| Average earning assets | $282,218,000 | 2,092 |
| Average equity | $27,091,000 | 2,372 |
| Average total loans | $258,403,800 | 1,712 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0284% | 4,679 |
| Cost of funding earning assets | 1.0810% | 5,547 |
| Net interest margin | 3.9474% | 3,330 |
| Noninterest income to average assets | 0.2261% | 6,281 |
| Noninterest expense to average assets | 2.7156% | 4,811 |
| Loan and lease loss provision to assets | 0.5563% | 2,725 |
| Net operating income to assets | 0.3866% | 4,809 |
| Return on assets (ROA) | 0.3866% | 4,993 |
| Pretax return on assets | 0.6528% | 4,417 |
| Return on Equity (ROE) | 4.3760% | 4,604 |
| Retained earnings to average equity (ytd only) | 4.3760% | 3,418 |
| Net charge-offs to loans | 0.5588% | 3,078 |
| Credit loss provision to net charge-offs | 116.4207% | 3,580 |
| Earnings coverage of net charge-offs (x) | 2.5304% | 3,901 |
| Efficiency ratio | 69.1936% | 4,224 |
| Assets per employee ($millions) | 5.4382% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4044% | 4,435 |
| Loan loss allowance to noncurrent loans | 65.0892% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 2.1763% | 3,240 |
| Noncurrent loans to loans | 2.1577% | 3,501 |
| Net loans and leases to total assets | 83.4807% | 368 |
| Net loans and leases to deposits | 104.0252% | 428 |
| Net loans and leases to core deposits | 118.2149% | 677 |
| Total domestic deposits to total assets | 80.2504% | 5,623 |
| Equity capital to assets | 9.1072% | 5,436 |
| Core capital (leverage) ratio | 8.7623% | 5,080 |
| Tier 1 risk-based capital ratio | 10.0550% | 7,034 |
| Total risk-based capital ratio | 11.3065% | 7,017 |
| Memoranda: | ||
| Average total assets | $302,489,500 | 2,170 |
| Average earning assets | $283,421,500 | 2,120 |
| Average equity | $26,720,750 | 2,437 |
| Average total loans | $258,662,250 | 1,735 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0306% | 4,802 |
| Cost of funding earning assets | 1.1606% | 5,340 |
| Net interest margin | 3.8699% | 3,589 |
| Noninterest income to average assets | 0.2353% | 6,223 |
| Noninterest expense to average assets | 2.6647% | 5,060 |
| Loan and lease loss provision to assets | 0.4387% | 3,119 |
| Net operating income to assets | 0.4553% | 4,526 |
| Return on assets (ROA) | 0.4553% | 4,687 |
| Pretax return on assets | 0.7553% | 4,046 |
| Return on Equity (ROE) | 5.2102% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.2102% | 2,767 |
| Net charge-offs to loans | 0.2852% | 3,912 |
| Credit loss provision to net charge-offs | 179.2916% | 2,185 |
| Earnings coverage of net charge-offs (x) | 4.8801% | 2,815 |
| Efficiency ratio | 69.0567% | 4,367 |
| Assets per employee ($millions) | 5.6169% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4647% | 4,092 |
| Loan loss allowance to noncurrent loans | 61.9133% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 2.3326% | 3,098 |
| Noncurrent loans to loans | 2.3658% | 3,300 |
| Net loans and leases to total assets | 82.7247% | 466 |
| Net loans and leases to deposits | 102.4128% | 572 |
| Net loans and leases to core deposits | 114.9440% | 884 |
| Total domestic deposits to total assets | 80.7757% | 5,482 |
| Equity capital to assets | 8.5922% | 6,028 |
| Core capital (leverage) ratio | 8.1267% | 6,070 |
| Tier 1 risk-based capital ratio | 9.6540% | 7,199 |
| Total risk-based capital ratio | 10.9067% | 7,194 |
| Memoranda: | ||
| Average total assets | $299,994,000 | 2,200 |
| Average earning assets | $280,882,670 | 2,155 |
| Average equity | $26,217,670 | 2,476 |
| Average total loans | $257,397,670 | 1,767 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1309% | 4,389 |
| Cost of funding earning assets | 1.2136% | 5,325 |
| Net interest margin | 3.9173% | 3,248 |
| Noninterest income to average assets | 0.2477% | 6,172 |
| Noninterest expense to average assets | 2.7192% | 4,816 |
| Loan and lease loss provision to assets | 0.2856% | 3,741 |
| Net operating income to assets | 0.5238% | 4,266 |
| Return on assets (ROA) | 0.5238% | 4,406 |
| Pretax return on assets | 0.8690% | 3,587 |
| Return on Equity (ROE) | 5.9414% | 3,900 |
| Retained earnings to average equity (ytd only) | 5.9414% | 2,645 |
| Net charge-offs to loans | -0.0078% | 6,855 |
| Credit loss provision to net charge-offs | -4,220.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1957% | 4,263 |
| Assets per employee ($millions) | 5.7516% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 4,252 |
| Loan loss allowance to noncurrent loans | 70.5972% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 2.0057% | 3,498 |
| Noncurrent loans to loans | 2.0282% | 3,750 |
| Net loans and leases to total assets | 84.0986% | 362 |
| Net loans and leases to deposits | 103.8033% | 540 |
| Net loans and leases to core deposits | 116.4208% | 931 |
| Total domestic deposits to total assets | 81.0173% | 5,455 |
| Equity capital to assets | 8.6112% | 5,855 |
| Core capital (leverage) ratio | 8.4314% | 5,497 |
| Tier 1 risk-based capital ratio | 9.4476% | 7,330 |
| Total risk-based capital ratio | 10.7000% | 7,326 |
| Memoranda: | ||
| Average total assets | $295,525,000 | 2,272 |
| Average earning assets | $273,559,000 | 2,259 |
| Average equity | $26,054,500 | 2,512 |
| Average total loans | $256,415,500 | 1,828 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1092% | 6,052 |
| Cost of funding earning assets | 1.5274% | 5,388 |
| Net interest margin | 3.5818% | 4,613 |
| Noninterest income to average assets | -0.2050% | 7,859 |
| Noninterest expense to average assets | 2.9818% | 4,228 |
| Loan and lease loss provision to assets | 1.4191% | 1,615 |
| Net operating income to assets | -0.7597% | 6,411 |
| Return on assets (ROA) | -0.7597% | 6,405 |
| Pretax return on assets | -1.2500% | 6,572 |
| Return on Equity (ROE) | -7.4110% | 6,423 |
| Retained earnings to average equity (ytd only) | -7.4110% | 6,282 |
| Net charge-offs to loans | 1.2309% | 2,005 |
| Credit loss provision to net charge-offs | 130.3084% | 3,913 |
| Earnings coverage of net charge-offs (x) | 0.1553% | 6,007 |
| Efficiency ratio | 94.6337% | 1,372 |
| Assets per employee ($millions) | 5.5041% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 4,294 |
| Loan loss allowance to noncurrent loans | 71.6650% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 2.0034% | 3,395 |
| Noncurrent loans to loans | 1.9367% | 3,747 |
| Net loans and leases to total assets | 87.0803% | 218 |
| Net loans and leases to deposits | 106.1568% | 542 |
| Net loans and leases to core deposits | 147.0928% | 585 |
| Total domestic deposits to total assets | 82.0299% | 4,934 |
| Equity capital to assets | 9.0348% | 5,083 |
| Core capital (leverage) ratio | 8.4351% | 5,379 |
| Tier 1 risk-based capital ratio | 9.4712% | 7,249 |
| Total risk-based capital ratio | 10.7233% | 7,218 |
| Memoranda: | ||
| Average total assets | $259,039,000 | 2,522 |
| Average earning assets | $242,701,200 | 2,476 |
| Average equity | $26,555,000 | 2,485 |
| Average total loans | $229,186,600 | 2,031 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 6,076 |
| Cost of funding earning assets | 1.6000% | 5,402 |
| Net interest margin | 3.5570% | 4,649 |
| Noninterest income to average assets | 0.2823% | 6,219 |
| Noninterest expense to average assets | 2.9901% | 4,083 |
| Loan and lease loss provision to assets | 0.3335% | 4,337 |
| Net operating income to assets | 0.1707% | 5,247 |
| Return on assets (ROA) | 0.1707% | 5,316 |
| Pretax return on assets | 0.2865% | 5,099 |
| Return on Equity (ROE) | 1.6112% | 5,297 |
| Retained earnings to average equity (ytd only) | 1.6112% | 4,411 |
| Net charge-offs to loans | 0.0609% | 6,095 |
| Credit loss provision to net charge-offs | 618.6275% | 613 |
| Earnings coverage of net charge-offs (x) | 11.4997% | 1,847 |
| Efficiency ratio | 82.8258% | 2,456 |
| Assets per employee ($millions) | 5.4818% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3110% | 4,429 |
| Loan loss allowance to noncurrent loans | 46.7185% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.2602% | 2,077 |
| Noncurrent loans to loans | 2.8061% | 2,705 |
| Net loans and leases to total assets | 87.3932% | 242 |
| Net loans and leases to deposits | 106.4675% | 628 |
| Net loans and leases to core deposits | 144.4273% | 748 |
| Total domestic deposits to total assets | 82.0844% | 4,645 |
| Equity capital to assets | 10.2725% | 3,762 |
| Core capital (leverage) ratio | 10.7266% | 2,621 |
| Tier 1 risk-based capital ratio | 11.7516% | 5,199 |
| Total risk-based capital ratio | 13.0025% | 5,145 |
| Memoranda: | ||
| Average total assets | $252,245,000 | 2,602 |
| Average earning assets | $235,997,750 | 2,560 |
| Average equity | $26,729,000 | 2,491 |
| Average total loans | $223,297,000 | 2,106 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1887% | 6,121 |
| Cost of funding earning assets | 1.7322% | 5,109 |
| Net interest margin | 3.4565% | 4,974 |
| Noninterest income to average assets | 0.2866% | 6,213 |
| Noninterest expense to average assets | 3.0127% | 4,035 |
| Loan and lease loss provision to assets | 0.2204% | 4,830 |
| Net operating income to assets | 0.1698% | 5,351 |
| Return on assets (ROA) | 0.1698% | 5,459 |
| Pretax return on assets | 0.2858% | 5,238 |
| Return on Equity (ROE) | 1.5846% | 5,436 |
| Retained earnings to average equity (ytd only) | 1.5846% | 4,449 |
| Net charge-offs to loans | 0.0046% | 6,543 |
| Credit loss provision to net charge-offs | 5,400.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 314 |
| Efficiency ratio | 85.6148% | 2,267 |
| Assets per employee ($millions) | 5.1300% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2648% | 4,505 |
| Loan loss allowance to noncurrent loans | 47.5554% | 5,188 |
| Noncurrent assets plus other real estate owned to assets | 3.2172% | 1,949 |
| Noncurrent loans to loans | 2.6596% | 2,716 |
| Net loans and leases to total assets | 88.8085% | 201 |
| Net loans and leases to deposits | 112.7756% | 454 |
| Net loans and leases to core deposits | 146.2859% | 747 |
| Total domestic deposits to total assets | 78.7480% | 5,880 |
| Equity capital to assets | 10.9284% | 2,988 |
| Core capital (leverage) ratio | 11.2238% | 2,246 |
| Tier 1 risk-based capital ratio | 12.3066% | 4,669 |
| Total risk-based capital ratio | 13.5572% | 4,591 |
| Memoranda: | ||
| Average total assets | $244,963,000 | 2,700 |
| Average earning assets | $229,074,000 | 2,641 |
| Average equity | $26,253,330 | 2,536 |
| Average total loans | $216,823,000 | 2,184 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1382% | 6,530 |
| Cost of funding earning assets | 1.8927% | 4,660 |
| Net interest margin | 3.2456% | 5,703 |
| Noninterest income to average assets | 0.2943% | 6,081 |
| Noninterest expense to average assets | 2.9733% | 3,883 |
| Loan and lease loss provision to assets | 0.1773% | 4,687 |
| Net operating income to assets | 0.1137% | 5,939 |
| Return on assets (ROA) | 0.1137% | 6,102 |
| Pretax return on assets | 0.1806% | 5,984 |
| Return on Equity (ROE) | 1.0724% | 6,103 |
| Retained earnings to average equity (ytd only) | 1.0724% | 5,211 |
| Net charge-offs to loans | 0.0229% | 5,237 |
| Credit loss provision to net charge-offs | 883.3333% | 699 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,490 |
| Efficiency ratio | 89.2570% | 1,782 |
| Assets per employee ($millions) | 5.0816% | 1,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2712% | 4,266 |
| Loan loss allowance to noncurrent loans | 45.2927% | 5,499 |
| Noncurrent assets plus other real estate owned to assets | 3.2856% | 1,672 |
| Noncurrent loans to loans | 2.8066% | 2,332 |
| Net loans and leases to total assets | 85.6845% | 488 |
| Net loans and leases to deposits | 108.2841% | 710 |
| Net loans and leases to core deposits | 137.9832% | 1,206 |
| Total domestic deposits to total assets | 79.1294% | 5,674 |
| Equity capital to assets | 11.2018% | 2,810 |
| Core capital (leverage) ratio | 11.9924% | 1,904 |
| Tier 1 risk-based capital ratio | 12.9719% | 4,199 |
| Total risk-based capital ratio | 14.2222% | 4,124 |
| Memoranda: | ||
| Average total assets | $239,195,500 | 2,777 |
| Average earning assets | $223,812,000 | 2,717 |
| Average equity | $25,364,500 | 2,618 |
| Average total loans | $209,879,500 | 2,271 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1567% | 4,748 |
| Cost of funding earning assets | 2.4818% | 4,303 |
| Net interest margin | 3.6749% | 4,583 |
| Noninterest income to average assets | 0.2423% | 6,710 |
| Noninterest expense to average assets | 2.8031% | 4,804 |
| Loan and lease loss provision to assets | 0.5421% | 2,656 |
| Net operating income to assets | 0.2235% | 5,781 |
| Return on assets (ROA) | 0.2235% | 5,605 |
| Pretax return on assets | 0.3364% | 5,425 |
| Return on Equity (ROE) | 2.1067% | 5,575 |
| Retained earnings to average equity (ytd only) | 2.1067% | 3,922 |
| Net charge-offs to loans | 0.6197% | 1,983 |
| Credit loss provision to net charge-offs | 99.1394% | 5,410 |
| Earnings coverage of net charge-offs (x) | 1.6067% | 5,287 |
| Efficiency ratio | 76.1375% | 3,217 |
| Assets per employee ($millions) | 5.0977% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3027% | 3,762 |
| Loan loss allowance to noncurrent loans | 59.3247% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 2.8719% | 1,626 |
| Noncurrent loans to loans | 2.1958% | 2,518 |
| Net loans and leases to total assets | 87.6253% | 403 |
| Net loans and leases to deposits | 109.2251% | 887 |
| Net loans and leases to core deposits | 136.9180% | 1,440 |
| Total domestic deposits to total assets | 80.2245% | 4,934 |
| Equity capital to assets | 9.9553% | 4,091 |
| Core capital (leverage) ratio | 10.0574% | 3,390 |
| Tier 1 risk-based capital ratio | 11.3106% | 5,427 |
| Total risk-based capital ratio | 12.5615% | 5,324 |
| Memoranda: | ||
| Average total assets | $212,517,600 | 2,972 |
| Average earning assets | $198,890,000 | 2,906 |
| Average equity | $22,547,400 | 2,901 |
| Average total loans | $187,504,800 | 2,426 |