Home > Level One Bank > Performance and Condition Ratios
Level One Bank, Performance and Condition Ratios
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4036% | 2,079 |
| Cost of funding earning assets | 0.2014% | 2,780 |
| Net interest margin | 3.2023% | 1,874 |
| Noninterest income to average assets | 0.5322% | 1,987 |
| Noninterest expense to average assets | 3.3300% | 511 |
| Loan and lease loss provision to assets | 0.0179% | 2,035 |
| Net operating income to assets | 0.2209% | 4,299 |
| Return on assets (ROA) | 0.2209% | 4,266 |
| Pretax return on assets | 0.1522% | 4,384 |
| Return on Equity (ROE) | 2.1273% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.1273% | 3,512 |
| Net charge-offs to loans | -0.0063% | 3,417 |
| Credit loss provision to net charge-offs | -423.0769% | 3,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4582% | 377 |
| Assets per employee ($millions) | 8.1214% | 1,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 2,364 |
| Loan loss allowance to noncurrent loans | 213.3696% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 1,434 |
| Noncurrent loans to loans | 0.6093% | 1,536 |
| Net loans and leases to total assets | 68.5573% | 1,156 |
| Net loans and leases to deposits | 83.7643% | 895 |
| Net loans and leases to core deposits | 94.5146% | 711 |
| Total domestic deposits to total assets | 81.8454% | 4,095 |
| Equity capital to assets | 10.3015% | 1,685 |
| Core capital (leverage) ratio | 9.3073% | 2,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3275% | 2,068 |
| Memoranda: | ||
| Average total assets | $2,451,878,500 | 459 |
| Average earning assets | $2,272,524,000 | 453 |
| Average equity | $254,599,000 | 447 |
| Average total loans | $1,662,085,000 | 426 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7096% | 2,088 |
| Cost of funding earning assets | 0.2650% | 2,756 |
| Net interest margin | 3.4446% | 1,892 |
| Noninterest income to average assets | 0.8878% | 1,240 |
| Noninterest expense to average assets | 2.3862% | 2,529 |
| Loan and lease loss provision to assets | -0.0288% | 4,268 |
| Net operating income to assets | 1.3988% | 1,280 |
| Return on assets (ROA) | 1.3995% | 1,333 |
| Pretax return on assets | 1.7289% | 1,072 |
| Return on Equity (ROE) | 14.2314% | 1,118 |
| Retained earnings to average equity (ytd only) | 14.2314% | 288 |
| Net charge-offs to loans | 0.0083% | 2,270 |
| Credit loss provision to net charge-offs | -493.1973% | 3,757 |
| Earnings coverage of net charge-offs (x) | 290.8707% | 420 |
| Efficiency ratio | 57.7592% | 3,479 |
| Assets per employee ($millions) | 8.3590% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,429 |
| Loan loss allowance to noncurrent loans | 187.1016% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 0.4631% | 1,425 |
| Noncurrent loans to loans | 0.6875% | 1,457 |
| Net loans and leases to total assets | 65.3500% | 1,551 |
| Net loans and leases to deposits | 79.9300% | 1,221 |
| Net loans and leases to core deposits | 93.0673% | 821 |
| Total domestic deposits to total assets | 81.7591% | 3,999 |
| Equity capital to assets | 10.4619% | 2,207 |
| Core capital (leverage) ratio | 8.8640% | 3,550 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3673% | 2,088 |
| Memoranda: | ||
| Average total assets | $2,516,216,800 | 435 |
| Average earning assets | $2,335,858,600 | 428 |
| Average equity | $247,446,600 | 452 |
| Average total loans | $1,766,709,800 | 399 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7475% | 2,153 |
| Cost of funding earning assets | 0.2771% | 2,829 |
| Net interest margin | 3.4704% | 1,955 |
| Noninterest income to average assets | 0.9334% | 1,187 |
| Noninterest expense to average assets | 2.3746% | 2,519 |
| Loan and lease loss provision to assets | -0.0203% | 4,358 |
| Net operating income to assets | 1.4521% | 1,389 |
| Return on assets (ROA) | 1.4530% | 1,447 |
| Pretax return on assets | 1.7996% | 1,163 |
| Return on Equity (ROE) | 15.0145% | 1,136 |
| Retained earnings to average equity (ytd only) | 15.0145% | 395 |
| Net charge-offs to loans | 0.0135% | 1,822 |
| Credit loss provision to net charge-offs | -210.9890% | 3,404 |
| Earnings coverage of net charge-offs (x) | 184.3846% | 586 |
| Efficiency ratio | 56.5437% | 3,464 |
| Assets per employee ($millions) | 8.7741% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2525% | 2,718 |
| Loan loss allowance to noncurrent loans | 176.7466% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 1,577 |
| Noncurrent loans to loans | 0.7086% | 1,573 |
| Net loans and leases to total assets | 67.3350% | 1,392 |
| Net loans and leases to deposits | 82.2045% | 1,104 |
| Net loans and leases to core deposits | 96.5049% | 728 |
| Total domestic deposits to total assets | 81.9116% | 3,944 |
| Equity capital to assets | 10.1052% | 2,800 |
| Core capital (leverage) ratio | 8.6422% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8030% | 2,427 |
| Memoranda: | ||
| Average total assets | $2,516,254,750 | 436 |
| Average earning assets | $2,334,290,000 | 432 |
| Average equity | $243,501,000 | 458 |
| Average total loans | $1,791,969,000 | 400 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7257% | 2,267 |
| Cost of funding earning assets | 0.2943% | 2,828 |
| Net interest margin | 3.4314% | 2,058 |
| Noninterest income to average assets | 0.9233% | 1,208 |
| Noninterest expense to average assets | 2.3287% | 2,680 |
| Loan and lease loss provision to assets | 0.0642% | 1,756 |
| Net operating income to assets | 1.3830% | 1,616 |
| Return on assets (ROA) | 1.3843% | 1,682 |
| Pretax return on assets | 1.7128% | 1,452 |
| Return on Equity (ROE) | 14.5221% | 1,278 |
| Retained earnings to average equity (ytd only) | 14.5221% | 486 |
| Net charge-offs to loans | -0.0046% | 3,411 |
| Credit loss provision to net charge-offs | -1,916.6667% | 3,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0942% | 3,527 |
| Assets per employee ($millions) | 8.9858% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 2,453 |
| Loan loss allowance to noncurrent loans | 165.4679% | 2,728 |
| Noncurrent assets plus other real estate owned to assets | 0.5579% | 1,495 |
| Noncurrent loans to loans | 0.7838% | 1,549 |
| Net loans and leases to total assets | 70.2583% | 1,165 |
| Net loans and leases to deposits | 85.5768% | 943 |
| Net loans and leases to core deposits | 103.8961% | 537 |
| Total domestic deposits to total assets | 82.0997% | 3,903 |
| Equity capital to assets | 9.8562% | 2,999 |
| Core capital (leverage) ratio | 8.1142% | 4,331 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6593% | 2,488 |
| Memoranda: | ||
| Average total assets | $2,506,840,333 | 433 |
| Average earning assets | $2,323,760,000 | 428 |
| Average equity | $238,959,333 | 462 |
| Average total loans | $1,810,936,000 | 399 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7020% | 2,353 |
| Cost of funding earning assets | 0.3183% | 2,810 |
| Net interest margin | 3.3837% | 2,154 |
| Noninterest income to average assets | 1.1566% | 912 |
| Noninterest expense to average assets | 2.3792% | 2,565 |
| Loan and lease loss provision to assets | 0.0423% | 2,217 |
| Net operating income to assets | 1.5135% | 1,297 |
| Return on assets (ROA) | 1.5161% | 1,355 |
| Pretax return on assets | 1.8815% | 1,145 |
| Return on Equity (ROE) | 16.1795% | 980 |
| Retained earnings to average equity (ytd only) | 16.1795% | 497 |
| Net charge-offs to loans | -0.0035% | 3,266 |
| Credit loss provision to net charge-offs | -1,656.2500% | 3,504 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7094% | 3,713 |
| Assets per employee ($millions) | 9.2206% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 2,930 |
| Loan loss allowance to noncurrent loans | 143.8822% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 1,566 |
| Noncurrent loans to loans | 0.8341% | 1,601 |
| Net loans and leases to total assets | 72.2498% | 983 |
| Net loans and leases to deposits | 87.2449% | 874 |
| Net loans and leases to core deposits | 106.2718% | 503 |
| Total domestic deposits to total assets | 82.8126% | 3,739 |
| Equity capital to assets | 9.2168% | 3,480 |
| Core capital (leverage) ratio | 7.9860% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6235% | 2,438 |
| Memoranda: | ||
| Average total assets | $2,506,740,500 | 431 |
| Average earning assets | $2,328,567,000 | 424 |
| Average equity | $234,889,500 | 463 |
| Average total loans | $1,824,130,000 | 392 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0653% | 2,530 |
| Cost of funding earning assets | 0.6549% | 1,961 |
| Net interest margin | 3.4104% | 2,744 |
| Noninterest income to average assets | 1.2728% | 702 |
| Noninterest expense to average assets | 2.7298% | 2,142 |
| Loan and lease loss provision to assets | 0.5426% | 409 |
| Net operating income to assets | 0.9657% | 2,417 |
| Return on assets (ROA) | 1.0363% | 2,301 |
| Pretax return on assets | 1.2522% | 2,147 |
| Return on Equity (ROE) | 10.5693% | 1,785 |
| Retained earnings to average equity (ytd only) | -8.7747% | 4,898 |
| Net charge-offs to loans | 0.1365% | 1,183 |
| Credit loss provision to net charge-offs | 527.8791% | 1,210 |
| Earnings coverage of net charge-offs (x) | 16.6341% | 2,120 |
| Efficiency ratio | 60.6980% | 3,358 |
| Assets per employee ($millions) | 8.7803% | 805 |
| Cash dividends to net income (ytd only)* | 183.0209% | 69 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 2,609 |
| Loan loss allowance to noncurrent loans | 116.8300% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 0.7819% | 1,307 |
| Noncurrent loans to loans | 1.0801% | 1,315 |
| Net loans and leases to total assets | 71.4778% | 1,370 |
| Net loans and leases to deposits | 87.4015% | 1,142 |
| Net loans and leases to core deposits | 109.9658% | 510 |
| Total domestic deposits to total assets | 81.7810% | 3,712 |
| Equity capital to assets | 9.5321% | 3,575 |
| Core capital (leverage) ratio | 7.6710% | 4,783 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1961% | 2,552 |
| Memoranda: | ||
| Average total assets | $2,188,082,800 | 443 |
| Average earning assets | $2,031,709,000 | 438 |
| Average equity | $214,536,600 | 480 |
| Average total loans | $1,647,532,400 | 411 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0853% | 2,715 |
| Cost of funding earning assets | 0.7351% | 1,833 |
| Net interest margin | 3.3502% | 3,042 |
| Noninterest income to average assets | 1.2387% | 714 |
| Noninterest expense to average assets | 2.7836% | 2,012 |
| Loan and lease loss provision to assets | 0.6484% | 367 |
| Net operating income to assets | 0.7773% | 3,178 |
| Return on assets (ROA) | 0.8766% | 2,919 |
| Pretax return on assets | 1.0326% | 2,957 |
| Return on Equity (ROE) | 8.8701% | 2,450 |
| Retained earnings to average equity (ytd only) | -17.4781% | 4,977 |
| Net charge-offs to loans | 0.1445% | 1,011 |
| Credit loss provision to net charge-offs | 589.5037% | 1,172 |
| Earnings coverage of net charge-offs (x) | 14.2202% | 2,167 |
| Efficiency ratio | 63.1924% | 2,883 |
| Assets per employee ($millions) | 8.6050% | 814 |
| Cash dividends to net income (ytd only)* | 297.0439% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1160% | 3,125 |
| Loan loss allowance to noncurrent loans | 107.2459% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8109% | 1,421 |
| Noncurrent loans to loans | 1.0406% | 1,437 |
| Net loans and leases to total assets | 77.0622% | 957 |
| Net loans and leases to deposits | 95.2081% | 825 |
| Net loans and leases to core deposits | 120.9570% | 394 |
| Total domestic deposits to total assets | 80.9408% | 3,676 |
| Equity capital to assets | 9.1506% | 3,999 |
| Core capital (leverage) ratio | 7.8294% | 4,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4821% | 2,799 |
| Memoranda: | ||
| Average total assets | $2,124,871,250 | 446 |
| Average earning assets | $1,971,912,000 | 440 |
| Average equity | $210,002,750 | 478 |
| Average total loans | $1,617,660,750 | 412 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2897% | 2,501 |
| Cost of funding earning assets | 0.8398% | 1,631 |
| Net interest margin | 3.4499% | 2,945 |
| Noninterest income to average assets | 1.0949% | 829 |
| Noninterest expense to average assets | 2.9196% | 1,785 |
| Loan and lease loss provision to assets | 0.6008% | 528 |
| Net operating income to assets | 0.6805% | 3,462 |
| Return on assets (ROA) | 0.8050% | 3,147 |
| Pretax return on assets | 0.9182% | 3,261 |
| Return on Equity (ROE) | 7.9090% | 2,785 |
| Retained earnings to average equity (ytd only) | -27.6206% | 5,028 |
| Net charge-offs to loans | 0.2201% | 703 |
| Credit loss provision to net charge-offs | 362.0299% | 1,484 |
| Earnings coverage of net charge-offs (x) | 8.3003% | 2,296 |
| Efficiency ratio | 67.0579% | 2,368 |
| Assets per employee ($millions) | 8.7252% | 746 |
| Cash dividends to net income (ytd only)* | 449.2308% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9274% | 3,890 |
| Loan loss allowance to noncurrent loans | 186.0539% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 2,845 |
| Noncurrent loans to loans | 0.4984% | 2,660 |
| Net loans and leases to total assets | 71.7928% | 1,751 |
| Net loans and leases to deposits | 99.4200% | 585 |
| Net loans and leases to core deposits | 128.1475% | 282 |
| Total domestic deposits to total assets | 72.2116% | 4,699 |
| Equity capital to assets | 8.7352% | 4,330 |
| Core capital (leverage) ratio | 8.1692% | 4,654 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6254% | 2,759 |
| Memoranda: | ||
| Average total assets | $2,018,551,667 | 458 |
| Average earning assets | $1,873,609,333 | 453 |
| Average equity | $205,462,333 | 487 |
| Average total loans | $1,522,040,000 | 430 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8597% | 1,287 |
| Cost of funding earning assets | 1.0677% | 1,153 |
| Net interest margin | 3.7919% | 2,015 |
| Noninterest income to average assets | 0.9464% | 964 |
| Noninterest expense to average assets | 3.2743% | 1,274 |
| Loan and lease loss provision to assets | 0.1112% | 2,295 |
| Net operating income to assets | 0.9790% | 2,249 |
| Return on assets (ROA) | 1.0885% | 1,981 |
| Pretax return on assets | 1.1964% | 2,211 |
| Return on Equity (ROE) | 9.7011% | 1,842 |
| Retained earnings to average equity (ytd only) | -64.2987% | 5,097 |
| Net charge-offs to loans | 0.0511% | 1,501 |
| Credit loss provision to net charge-offs | 281.0345% | 1,226 |
| Earnings coverage of net charge-offs (x) | 29.9943% | 1,181 |
| Efficiency ratio | 72.4097% | 2,017 |
| Assets per employee ($millions) | 6.7867% | 1,186 |
| Cash dividends to net income (ytd only)* | 762.8004% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8748% | 4,206 |
| Loan loss allowance to noncurrent loans | 82.9385% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 1,455 |
| Noncurrent loans to loans | 1.0548% | 1,573 |
| Net loans and leases to total assets | 76.0888% | 1,288 |
| Net loans and leases to deposits | 99.3498% | 598 |
| Net loans and leases to core deposits | 131.7807% | 243 |
| Total domestic deposits to total assets | 76.5868% | 4,411 |
| Equity capital to assets | 11.1857% | 2,694 |
| Core capital (leverage) ratio | 9.3263% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4487% | 3,235 |
| Memoranda: | ||
| Average total assets | $1,758,308,500 | 507 |
| Average earning assets | $1,629,993,500 | 501 |
| Average equity | $197,298,000 | 501 |
| Average total loans | $1,363,105,000 | 461 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0279% | 1,404 |
| Cost of funding earning assets | 1.3082% | 753 |
| Net interest margin | 3.7197% | 2,754 |
| Noninterest income to average assets | 0.8738% | 1,236 |
| Noninterest expense to average assets | 2.9514% | 2,142 |
| Loan and lease loss provision to assets | 0.0927% | 2,179 |
| Net operating income to assets | 1.0785% | 2,530 |
| Return on assets (ROA) | 1.1431% | 2,377 |
| Pretax return on assets | 1.3991% | 2,163 |
| Return on Equity (ROE) | 10.1714% | 2,221 |
| Retained earnings to average equity (ytd only) | 10.1714% | 460 |
| Net charge-offs to loans | 0.0233% | 2,941 |
| Credit loss provision to net charge-offs | 502.9091% | 579 |
| Earnings coverage of net charge-offs (x) | 76.6582% | 821 |
| Efficiency ratio | 67.3987% | 2,545 |
| Assets per employee ($millions) | 6.3044% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 3,375 |
| Loan loss allowance to noncurrent loans | 117.1025% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 1,747 |
| Noncurrent loans to loans | 0.8718% | 1,760 |
| Net loans and leases to total assets | 77.6558% | 1,133 |
| Net loans and leases to deposits | 104.4102% | 361 |
| Net loans and leases to core deposits | 135.9886% | 212 |
| Total domestic deposits to total assets | 74.3757% | 4,747 |
| Equity capital to assets | 11.2639% | 2,747 |
| Core capital (leverage) ratio | 10.9628% | 2,530 |
| Tier 1 risk-based capital ratio | 12.3038% | 4,184 |
| Total risk-based capital ratio | 13.2715% | 4,224 |
| Memoranda: | ||
| Average total assets | $1,491,850,800 | 553 |
| Average earning assets | $1,399,982,600 | 544 |
| Average equity | $167,656,600 | 550 |
| Average total loans | $1,180,781,600 | 496 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 1,196 |
| Cost of funding earning assets | 1.3720% | 638 |
| Net interest margin | 3.7614% | 2,715 |
| Noninterest income to average assets | 0.8593% | 1,241 |
| Noninterest expense to average assets | 2.9746% | 2,047 |
| Loan and lease loss provision to assets | 0.0758% | 2,378 |
| Net operating income to assets | 1.0940% | 2,594 |
| Return on assets (ROA) | 1.1052% | 2,641 |
| Pretax return on assets | 1.3496% | 2,499 |
| Return on Equity (ROE) | 9.8407% | 2,496 |
| Retained earnings to average equity (ytd only) | 9.8407% | 793 |
| Net charge-offs to loans | 0.0108% | 2,980 |
| Credit loss provision to net charge-offs | 888.2979% | 399 |
| Earnings coverage of net charge-offs (x) | 165.4896% | 504 |
| Efficiency ratio | 67.5736% | 2,486 |
| Assets per employee ($millions) | 6.0246% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 3,405 |
| Loan loss allowance to noncurrent loans | 106.0034% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 1,737 |
| Noncurrent loans to loans | 0.9709% | 1,647 |
| Net loans and leases to total assets | 78.5769% | 1,052 |
| Net loans and leases to deposits | 98.2880% | 788 |
| Net loans and leases to core deposits | 131.7029% | 272 |
| Total domestic deposits to total assets | 79.9456% | 4,002 |
| Equity capital to assets | 11.6168% | 2,585 |
| Core capital (leverage) ratio | 10.6423% | 2,983 |
| Tier 1 risk-based capital ratio | 12.2549% | 4,281 |
| Total risk-based capital ratio | 13.2217% | 4,316 |
| Memoranda: | ||
| Average total assets | $1,469,213,750 | 563 |
| Average earning assets | $1,377,654,750 | 552 |
| Average equity | $165,010,750 | 561 |
| Average total loans | $1,165,602,500 | 505 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1182% | 1,180 |
| Cost of funding earning assets | 1.3772% | 580 |
| Net interest margin | 3.7410% | 2,786 |
| Noninterest income to average assets | 0.7911% | 1,378 |
| Noninterest expense to average assets | 2.9638% | 2,097 |
| Loan and lease loss provision to assets | 0.1168% | 1,604 |
| Net operating income to assets | 1.0099% | 2,881 |
| Return on assets (ROA) | 1.0099% | 2,957 |
| Pretax return on assets | 1.2296% | 2,813 |
| Return on Equity (ROE) | 9.1000% | 2,810 |
| Retained earnings to average equity (ytd only) | 9.1000% | 1,002 |
| Net charge-offs to loans | 0.0111% | 2,737 |
| Credit loss provision to net charge-offs | 1,329.6875% | 276 |
| Earnings coverage of net charge-offs (x) | 153.2500% | 490 |
| Efficiency ratio | 68.4821% | 2,449 |
| Assets per employee ($millions) | 5.8707% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0387% | 3,397 |
| Loan loss allowance to noncurrent loans | 83.0454% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 1,376 |
| Noncurrent loans to loans | 1.2507% | 1,271 |
| Net loans and leases to total assets | 78.3132% | 1,164 |
| Net loans and leases to deposits | 94.6282% | 1,190 |
| Net loans and leases to core deposits | 132.4586% | 279 |
| Total domestic deposits to total assets | 82.7588% | 3,286 |
| Equity capital to assets | 11.2277% | 2,835 |
| Core capital (leverage) ratio | 10.4265% | 3,164 |
| Tier 1 risk-based capital ratio | 11.9438% | 4,451 |
| Total risk-based capital ratio | 12.9207% | 4,497 |
| Memoranda: | ||
| Average total assets | $1,456,904,330 | 566 |
| Average earning assets | $1,370,487,670 | 554 |
| Average equity | $161,692,330 | 568 |
| Average total loans | $1,155,541,000 | 510 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 972 |
| Cost of funding earning assets | 1.3258% | 604 |
| Net interest margin | 3.8387% | 2,382 |
| Noninterest income to average assets | 0.6397% | 1,866 |
| Noninterest expense to average assets | 2.8869% | 2,311 |
| Loan and lease loss provision to assets | 0.1177% | 1,494 |
| Net operating income to assets | 1.0259% | 2,760 |
| Return on assets (ROA) | 1.0243% | 2,801 |
| Pretax return on assets | 1.2467% | 2,644 |
| Return on Equity (ROE) | 9.2863% | 2,676 |
| Retained earnings to average equity (ytd only) | 9.2863% | 1,229 |
| Net charge-offs to loans | 0.0098% | 2,337 |
| Credit loss provision to net charge-offs | 1,507.1429% | 253 |
| Earnings coverage of net charge-offs (x) | 174.9286% | 439 |
| Efficiency ratio | 67.5346% | 2,707 |
| Assets per employee ($millions) | 5.4668% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0444% | 3,434 |
| Loan loss allowance to noncurrent loans | 69.9497% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 1.2015% | 1,117 |
| Noncurrent loans to loans | 1.4931% | 1,080 |
| Net loans and leases to total assets | 77.9269% | 1,167 |
| Net loans and leases to deposits | 97.2794% | 864 |
| Net loans and leases to core deposits | 136.0298% | 233 |
| Total domestic deposits to total assets | 80.1063% | 4,159 |
| Equity capital to assets | 11.0778% | 2,771 |
| Core capital (leverage) ratio | 10.5570% | 2,987 |
| Tier 1 risk-based capital ratio | 12.1872% | 4,357 |
| Total risk-based capital ratio | 13.1526% | 4,413 |
| Memoranda: | ||
| Average total assets | $1,433,906,000 | 573 |
| Average earning assets | $1,349,823,500 | 560 |
| Average equity | $158,168,000 | 576 |
| Average total loans | $1,138,650,000 | 516 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9850% | 1,078 |
| Cost of funding earning assets | 0.9677% | 852 |
| Net interest margin | 4.0173% | 1,933 |
| Noninterest income to average assets | 0.5256% | 2,683 |
| Noninterest expense to average assets | 2.9435% | 2,207 |
| Loan and lease loss provision to assets | 0.0304% | 3,581 |
| Net operating income to assets | 1.0910% | 2,641 |
| Return on assets (ROA) | 1.0868% | 2,649 |
| Pretax return on assets | 1.3393% | 2,366 |
| Return on Equity (ROE) | 10.6269% | 2,234 |
| Retained earnings to average equity (ytd only) | 10.6269% | 503 |
| Net charge-offs to loans | 0.0518% | 2,416 |
| Credit loss provision to net charge-offs | 73.7030% | 2,943 |
| Earnings coverage of net charge-offs (x) | 33.3417% | 1,495 |
| Efficiency ratio | 67.7850% | 2,584 |
| Assets per employee ($millions) | 5.2748% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0216% | 3,547 |
| Loan loss allowance to noncurrent loans | 61.8834% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.3221% | 957 |
| Noncurrent loans to loans | 1.6508% | 884 |
| Net loans and leases to total assets | 79.2693% | 1,055 |
| Net loans and leases to deposits | 97.4619% | 942 |
| Net loans and leases to core deposits | 135.3724% | 244 |
| Total domestic deposits to total assets | 81.3336% | 3,820 |
| Equity capital to assets | 10.9820% | 2,706 |
| Core capital (leverage) ratio | 10.4776% | 3,055 |
| Tier 1 risk-based capital ratio | 12.1163% | 4,354 |
| Total risk-based capital ratio | 13.0696% | 4,432 |
| Memoranda: | ||
| Average total assets | $1,355,536,400 | 582 |
| Average earning assets | $1,279,804,200 | 569 |
| Average equity | $138,629,400 | 626 |
| Average total loans | $1,079,805,400 | 526 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9209% | 1,114 |
| Cost of funding earning assets | 0.8852% | 983 |
| Net interest margin | 4.0358% | 1,838 |
| Noninterest income to average assets | 0.4721% | 3,032 |
| Noninterest expense to average assets | 2.9347% | 2,214 |
| Loan and lease loss provision to assets | 0.0460% | 3,063 |
| Net operating income to assets | 1.0701% | 2,781 |
| Return on assets (ROA) | 1.0701% | 2,791 |
| Pretax return on assets | 1.3051% | 2,611 |
| Return on Equity (ROE) | 10.6714% | 2,315 |
| Retained earnings to average equity (ytd only) | 10.6714% | 728 |
| Net charge-offs to loans | 0.0357% | 2,370 |
| Credit loss provision to net charge-offs | 161.8881% | 1,622 |
| Earnings coverage of net charge-offs (x) | 47.5144% | 1,206 |
| Efficiency ratio | 68.0926% | 2,520 |
| Assets per employee ($millions) | 5.3876% | 2,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 3,424 |
| Loan loss allowance to noncurrent loans | 90.0280% | 3,631 |
| Noncurrent assets plus other real estate owned to assets | 0.9147% | 1,614 |
| Noncurrent loans to loans | 1.1746% | 1,439 |
| Net loans and leases to total assets | 77.0494% | 1,494 |
| Net loans and leases to deposits | 97.2751% | 1,019 |
| Net loans and leases to core deposits | 129.6674% | 339 |
| Total domestic deposits to total assets | 79.2078% | 4,278 |
| Equity capital to assets | 10.3040% | 3,329 |
| Core capital (leverage) ratio | 10.6164% | 2,966 |
| Tier 1 risk-based capital ratio | 12.0014% | 4,502 |
| Total risk-based capital ratio | 12.9992% | 4,530 |
| Memoranda: | ||
| Average total assets | $1,341,007,000 | 591 |
| Average earning assets | $1,267,241,250 | 573 |
| Average equity | $134,474,750 | 637 |
| Average total loans | $1,066,716,750 | 528 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8870% | 1,051 |
| Cost of funding earning assets | 0.8282% | 1,014 |
| Net interest margin | 4.0588% | 1,674 |
| Noninterest income to average assets | 0.4322% | 3,276 |
| Noninterest expense to average assets | 2.9071% | 2,339 |
| Loan and lease loss provision to assets | -0.0239% | 5,333 |
| Net operating income to assets | 1.1208% | 2,514 |
| Return on assets (ROA) | 1.1208% | 2,514 |
| Pretax return on assets | 1.3812% | 2,216 |
| Return on Equity (ROE) | 11.2916% | 1,993 |
| Retained earnings to average equity (ytd only) | 11.2916% | 618 |
| Net charge-offs to loans | 0.0176% | 2,564 |
| Credit loss provision to net charge-offs | -169.5652% | 4,162 |
| Earnings coverage of net charge-offs (x) | 96.3913% | 714 |
| Efficiency ratio | 67.7769% | 2,685 |
| Assets per employee ($millions) | 5.1221% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,309 |
| Loan loss allowance to noncurrent loans | 99.3845% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 1,715 |
| Noncurrent loans to loans | 1.0989% | 1,606 |
| Net loans and leases to total assets | 78.5701% | 1,234 |
| Net loans and leases to deposits | 95.8601% | 1,156 |
| Net loans and leases to core deposits | 127.6793% | 375 |
| Total domestic deposits to total assets | 81.9633% | 3,732 |
| Equity capital to assets | 11.0633% | 2,576 |
| Core capital (leverage) ratio | 10.8278% | 2,675 |
| Tier 1 risk-based capital ratio | 12.3625% | 4,268 |
| Total risk-based capital ratio | 13.3781% | 4,295 |
| Memoranda: | ||
| Average total assets | $1,306,716,000 | 602 |
| Average earning assets | $1,233,775,330 | 585 |
| Average equity | $129,707,330 | 662 |
| Average total loans | $1,047,492,000 | 533 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 1,027 |
| Cost of funding earning assets | 0.7826% | 1,030 |
| Net interest margin | 4.0401% | 1,592 |
| Noninterest income to average assets | 0.4224% | 3,298 |
| Noninterest expense to average assets | 2.8677% | 2,474 |
| Loan and lease loss provision to assets | 0.1706% | 1,040 |
| Net operating income to assets | 0.9664% | 3,002 |
| Return on assets (ROA) | 0.9664% | 3,028 |
| Pretax return on assets | 1.1936% | 2,779 |
| Return on Equity (ROE) | 10.3376% | 2,258 |
| Retained earnings to average equity (ytd only) | 10.3376% | 1,060 |
| Net charge-offs to loans | 0.2909% | 528 |
| Credit loss provision to net charge-offs | 72.7989% | 1,808 |
| Earnings coverage of net charge-offs (x) | 5.8226% | 2,199 |
| Efficiency ratio | 67.3651% | 2,941 |
| Assets per employee ($millions) | 5.3667% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 3,437 |
| Loan loss allowance to noncurrent loans | 87.1865% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 1,548 |
| Noncurrent loans to loans | 1.2530% | 1,440 |
| Net loans and leases to total assets | 80.2104% | 908 |
| Net loans and leases to deposits | 93.0205% | 1,331 |
| Net loans and leases to core deposits | 126.8469% | 402 |
| Total domestic deposits to total assets | 86.2287% | 2,433 |
| Equity capital to assets | 9.4007% | 4,181 |
| Core capital (leverage) ratio | 9.0728% | 4,601 |
| Tier 1 risk-based capital ratio | 10.5283% | 5,345 |
| Total risk-based capital ratio | 11.5780% | 5,330 |
| Memoranda: | ||
| Average total assets | $1,299,317,000 | 607 |
| Average earning assets | $1,225,117,500 | 588 |
| Average equity | $121,459,500 | 708 |
| Average total loans | $1,046,348,000 | 538 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 832 |
| Cost of funding earning assets | 0.6202% | 1,469 |
| Net interest margin | 4.2614% | 1,053 |
| Noninterest income to average assets | 0.5191% | 2,884 |
| Noninterest expense to average assets | 2.9060% | 2,437 |
| Loan and lease loss provision to assets | 0.1168% | 1,947 |
| Net operating income to assets | 0.8945% | 2,742 |
| Return on assets (ROA) | 0.9055% | 2,706 |
| Pretax return on assets | 1.5164% | 1,573 |
| Return on Equity (ROE) | 9.4690% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.4690% | 425 |
| Net charge-offs to loans | 0.0810% | 2,297 |
| Credit loss provision to net charge-offs | 178.7879% | 1,514 |
| Earnings coverage of net charge-offs (x) | 24.7412% | 1,744 |
| Efficiency ratio | 63.8362% | 3,627 |
| Assets per employee ($millions) | 5.5315% | 1,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1268% | 3,206 |
| Loan loss allowance to noncurrent loans | 80.8462% | 3,906 |
| Noncurrent assets plus other real estate owned to assets | 1.1647% | 1,274 |
| Noncurrent loans to loans | 1.3938% | 1,233 |
| Net loans and leases to total assets | 79.0643% | 1,108 |
| Net loans and leases to deposits | 91.3302% | 1,609 |
| Net loans and leases to core deposits | 120.9143% | 561 |
| Total domestic deposits to total assets | 86.5697% | 2,202 |
| Equity capital to assets | 9.2952% | 4,434 |
| Core capital (leverage) ratio | 8.9618% | 4,694 |
| Tier 1 risk-based capital ratio | 10.2886% | 5,449 |
| Total risk-based capital ratio | 11.3669% | 5,441 |
| Memoranda: | ||
| Average total assets | $1,212,522,600 | 619 |
| Average earning assets | $1,138,988,600 | 612 |
| Average equity | $115,946,800 | 706 |
| Average total loans | $978,004,800 | 555 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9187% | 731 |
| Cost of funding earning assets | 0.5901% | 1,602 |
| Net interest margin | 4.3286% | 862 |
| Noninterest income to average assets | 0.5254% | 2,865 |
| Noninterest expense to average assets | 2.9091% | 2,369 |
| Loan and lease loss provision to assets | 0.0515% | 3,068 |
| Net operating income to assets | 1.0815% | 2,168 |
| Return on assets (ROA) | 1.0945% | 2,167 |
| Pretax return on assets | 1.6473% | 1,250 |
| Return on Equity (ROE) | 11.3589% | 1,544 |
| Retained earnings to average equity (ytd only) | 11.3589% | 361 |
| Net charge-offs to loans | -0.0112% | 4,662 |
| Credit loss provision to net charge-offs | -567.9012% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9741% | 3,713 |
| Assets per employee ($millions) | 5.4037% | 2,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 3,038 |
| Loan loss allowance to noncurrent loans | 72.1375% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.3054% | 1,230 |
| Noncurrent loans to loans | 1.6365% | 1,125 |
| Net loans and leases to total assets | 76.9928% | 1,423 |
| Net loans and leases to deposits | 90.6982% | 1,727 |
| Net loans and leases to core deposits | 118.2022% | 647 |
| Total domestic deposits to total assets | 84.8890% | 2,755 |
| Equity capital to assets | 9.4996% | 4,447 |
| Core capital (leverage) ratio | 9.2545% | 4,458 |
| Tier 1 risk-based capital ratio | 10.5994% | 5,420 |
| Total risk-based capital ratio | 11.7163% | 5,396 |
| Memoranda: | ||
| Average total assets | $1,190,678,000 | 632 |
| Average earning assets | $1,117,566,750 | 618 |
| Average equity | $114,726,250 | 716 |
| Average total loans | $962,638,250 | 563 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0287% | 538 |
| Cost of funding earning assets | 0.5724% | 1,633 |
| Net interest margin | 4.4562% | 626 |
| Noninterest income to average assets | 0.5329% | 2,812 |
| Noninterest expense to average assets | 2.9242% | 2,345 |
| Loan and lease loss provision to assets | 0.0456% | 3,081 |
| Net operating income to assets | 1.1445% | 1,802 |
| Return on assets (ROA) | 1.1510% | 1,823 |
| Pretax return on assets | 1.7496% | 946 |
| Return on Equity (ROE) | 11.8854% | 1,334 |
| Retained earnings to average equity (ytd only) | 11.8854% | 332 |
| Net charge-offs to loans | -0.0103% | 4,541 |
| Credit loss provision to net charge-offs | -542.8571% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6651% | 4,057 |
| Assets per employee ($millions) | 5.3235% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,936 |
| Loan loss allowance to noncurrent loans | 109.8757% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 2,006 |
| Noncurrent loans to loans | 1.1044% | 1,773 |
| Net loans and leases to total assets | 77.1642% | 1,369 |
| Net loans and leases to deposits | 93.0529% | 1,354 |
| Net loans and leases to core deposits | 114.1851% | 792 |
| Total domestic deposits to total assets | 82.9252% | 3,591 |
| Equity capital to assets | 9.7408% | 4,184 |
| Core capital (leverage) ratio | 9.0864% | 4,628 |
| Tier 1 risk-based capital ratio | 10.8203% | 5,334 |
| Total risk-based capital ratio | 11.9728% | 5,304 |
| Memoranda: | ||
| Average total assets | $1,166,081,000 | 641 |
| Average earning assets | $1,092,894,330 | 629 |
| Average equity | $112,928,330 | 727 |
| Average total loans | $955,124,330 | 565 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 526 |
| Cost of funding earning assets | 0.5406% | 1,783 |
| Net interest margin | 4.4622% | 559 |
| Noninterest income to average assets | 0.4810% | 3,108 |
| Noninterest expense to average assets | 2.9774% | 2,217 |
| Loan and lease loss provision to assets | 0.0690% | 2,432 |
| Net operating income to assets | 1.0464% | 2,085 |
| Return on assets (ROA) | 1.0464% | 2,136 |
| Pretax return on assets | 1.6153% | 1,195 |
| Return on Equity (ROE) | 10.8380% | 1,624 |
| Retained earnings to average equity (ytd only) | 10.8380% | 636 |
| Net charge-offs to loans | 0.0199% | 2,388 |
| Credit loss provision to net charge-offs | 412.5000% | 646 |
| Earnings coverage of net charge-offs (x) | 100.6667% | 527 |
| Efficiency ratio | 63.4290% | 3,925 |
| Assets per employee ($millions) | 5.4637% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1679% | 3,315 |
| Loan loss allowance to noncurrent loans | 67.6681% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 1.4655% | 1,116 |
| Noncurrent loans to loans | 1.7259% | 1,112 |
| Net loans and leases to total assets | 81.3438% | 645 |
| Net loans and leases to deposits | 97.7720% | 784 |
| Net loans and leases to core deposits | 118.5666% | 502 |
| Total domestic deposits to total assets | 83.1974% | 3,769 |
| Equity capital to assets | 9.6094% | 4,174 |
| Core capital (leverage) ratio | 9.0180% | 4,714 |
| Tier 1 risk-based capital ratio | 10.1753% | 5,659 |
| Total risk-based capital ratio | 11.2820% | 5,653 |
| Memoranda: | ||
| Average total assets | $1,147,560,500 | 655 |
| Average earning assets | $1,075,175,500 | 639 |
| Average equity | $110,795,500 | 745 |
| Average total loans | $962,794,500 | 566 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3574% | 321 |
| Cost of funding earning assets | 0.4878% | 2,185 |
| Net interest margin | 4.8696% | 306 |
| Noninterest income to average assets | 0.5234% | 3,078 |
| Noninterest expense to average assets | 3.0613% | 2,135 |
| Loan and lease loss provision to assets | 0.3748% | 438 |
| Net operating income to assets | 1.0832% | 1,968 |
| Return on assets (ROA) | 1.1398% | 1,828 |
| Pretax return on assets | 1.7680% | 860 |
| Return on Equity (ROE) | 11.5621% | 1,377 |
| Retained earnings to average equity (ytd only) | -2.0005% | 5,533 |
| Net charge-offs to loans | 0.0819% | 2,518 |
| Credit loss provision to net charge-offs | 540.6336% | 619 |
| Earnings coverage of net charge-offs (x) | 29.6309% | 1,441 |
| Efficiency ratio | 59.4078% | 4,677 |
| Assets per employee ($millions) | 5.2367% | 2,127 |
| Cash dividends to net income (ytd only)* | 117.3021% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 3,423 |
| Loan loss allowance to noncurrent loans | 71.9551% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.3917% | 1,233 |
| Noncurrent loans to loans | 1.5999% | 1,229 |
| Net loans and leases to total assets | 84.5699% | 336 |
| Net loans and leases to deposits | 102.4725% | 502 |
| Net loans and leases to core deposits | 118.4537% | 530 |
| Total domestic deposits to total assets | 82.5294% | 3,930 |
| Equity capital to assets | 9.7021% | 4,066 |
| Core capital (leverage) ratio | 9.1090% | 4,606 |
| Tier 1 risk-based capital ratio | 9.9899% | 5,739 |
| Total risk-based capital ratio | 11.0924% | 5,747 |
| Memoranda: | ||
| Average total assets | $1,047,095,200 | 687 |
| Average earning assets | $987,475,800 | 672 |
| Average equity | $103,225,400 | 766 |
| Average total loans | $886,402,800 | 573 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4450% | 276 |
| Cost of funding earning assets | 0.4810% | 2,250 |
| Net interest margin | 4.9640% | 273 |
| Noninterest income to average assets | 0.5428% | 2,953 |
| Noninterest expense to average assets | 3.1417% | 1,924 |
| Loan and lease loss provision to assets | 0.3556% | 447 |
| Net operating income to assets | 1.1006% | 1,992 |
| Return on assets (ROA) | 1.1778% | 1,816 |
| Pretax return on assets | 1.8508% | 802 |
| Return on Equity (ROE) | 11.8961% | 1,360 |
| Retained earnings to average equity (ytd only) | -6.4540% | 5,779 |
| Net charge-offs to loans | 0.0976% | 1,968 |
| Credit loss provision to net charge-offs | 431.4961% | 799 |
| Earnings coverage of net charge-offs (x) | 25.3101% | 1,641 |
| Efficiency ratio | 59.6758% | 4,588 |
| Assets per employee ($millions) | 5.3817% | 1,972 |
| Cash dividends to net income (ytd only)* | 154.2530% | 131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0703% | 4,023 |
| Loan loss allowance to noncurrent loans | 75.2919% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 1,651 |
| Noncurrent loans to loans | 1.4215% | 1,535 |
| Net loans and leases to total assets | 83.7402% | 430 |
| Net loans and leases to deposits | 97.7921% | 874 |
| Net loans and leases to core deposits | 113.5876% | 742 |
| Total domestic deposits to total assets | 85.6309% | 2,544 |
| Equity capital to assets | 9.7708% | 4,393 |
| Core capital (leverage) ratio | 9.3283% | 4,427 |
| Tier 1 risk-based capital ratio | 10.0543% | 5,774 |
| Total risk-based capital ratio | 11.0887% | 5,801 |
| Memoranda: | ||
| Average total assets | $1,027,396,500 | 700 |
| Average earning assets | $969,579,000 | 686 |
| Average equity | $101,723,000 | 781 |
| Average total loans | $867,190,250 | 576 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1175% | 481 |
| Cost of funding earning assets | 0.4800% | 2,273 |
| Net interest margin | 4.6375% | 475 |
| Noninterest income to average assets | 0.4993% | 3,198 |
| Noninterest expense to average assets | 3.3380% | 1,511 |
| Loan and lease loss provision to assets | 0.0878% | 2,389 |
| Net operating income to assets | 0.9002% | 2,866 |
| Return on assets (ROA) | 1.0069% | 2,492 |
| Pretax return on assets | 1.6266% | 1,288 |
| Return on Equity (ROE) | 10.1205% | 1,998 |
| Retained earnings to average equity (ytd only) | -17.9642% | 5,959 |
| Net charge-offs to loans | -0.0180% | 4,904 |
| Credit loss provision to net charge-offs | -578.9474% | 4,966 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8758% | 3,370 |
| Assets per employee ($millions) | 5.1546% | 2,136 |
| Cash dividends to net income (ytd only)* | 277.5025% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 4,789 |
| Loan loss allowance to noncurrent loans | 111.2935% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.7295% | 2,797 |
| Noncurrent loans to loans | 0.8480% | 2,624 |
| Net loans and leases to total assets | 84.7379% | 364 |
| Net loans and leases to deposits | 96.1310% | 1,069 |
| Net loans and leases to core deposits | 113.9317% | 730 |
| Total domestic deposits to total assets | 88.1484% | 1,356 |
| Equity capital to assets | 9.9905% | 4,240 |
| Core capital (leverage) ratio | 8.9643% | 4,871 |
| Tier 1 risk-based capital ratio | 10.1795% | 5,797 |
| Total risk-based capital ratio | 11.0987% | 5,852 |
| Memoranda: | ||
| Average total assets | $1,002,110,670 | 720 |
| Average earning assets | $947,843,330 | 700 |
| Average equity | $99,698,330 | 795 |
| Average total loans | $844,966,330 | 587 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 553 |
| Cost of funding earning assets | 0.4728% | 2,346 |
| Net interest margin | 4.5496% | 554 |
| Noninterest income to average assets | 0.4283% | 3,628 |
| Noninterest expense to average assets | 3.8093% | 766 |
| Loan and lease loss provision to assets | 0.1217% | 1,738 |
| Net operating income to assets | 0.4198% | 4,931 |
| Return on assets (ROA) | 0.5162% | 4,666 |
| Pretax return on assets | 0.9652% | 3,594 |
| Return on Equity (ROE) | 5.2002% | 4,394 |
| Retained earnings to average equity (ytd only) | -52.2151% | 6,080 |
| Net charge-offs to loans | -0.0472% | 5,295 |
| Credit loss provision to net charge-offs | -308.2474% | 4,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8662% | 1,625 |
| Assets per employee ($millions) | 5.3143% | 2,021 |
| Cash dividends to net income (ytd only)* | 1,104.1009% | 18 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9407% | 4,902 |
| Loan loss allowance to noncurrent loans | 104.8595% | 3,535 |
| Noncurrent assets plus other real estate owned to assets | 0.7664% | 2,781 |
| Noncurrent loans to loans | 0.8971% | 2,602 |
| Net loans and leases to total assets | 83.7669% | 391 |
| Net loans and leases to deposits | 94.7627% | 1,063 |
| Net loans and leases to core deposits | 114.3624% | 655 |
| Total domestic deposits to total assets | 88.3965% | 1,410 |
| Equity capital to assets | 9.5756% | 4,590 |
| Core capital (leverage) ratio | 9.3627% | 4,408 |
| Tier 1 risk-based capital ratio | 9.7985% | 5,950 |
| Total risk-based capital ratio | 10.7062% | 5,993 |
| Memoranda: | ||
| Average total assets | $982,548,500 | 737 |
| Average earning assets | $932,392,000 | 707 |
| Average equity | $97,535,000 | 810 |
| Average total loans | $822,086,000 | 601 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 471 |
| Cost of funding earning assets | 0.4688% | 2,451 |
| Net interest margin | 4.6793% | 469 |
| Noninterest income to average assets | 0.8118% | 1,742 |
| Noninterest expense to average assets | 2.8890% | 2,893 |
| Loan and lease loss provision to assets | 0.1591% | 1,456 |
| Net operating income to assets | 1.4758% | 906 |
| Return on assets (ROA) | 1.4981% | 902 |
| Pretax return on assets | 2.1954% | 350 |
| Return on Equity (ROE) | 14.7421% | 727 |
| Retained earnings to average equity (ytd only) | 11.2856% | 313 |
| Net charge-offs to loans | -0.1380% | 5,872 |
| Credit loss provision to net charge-offs | -144.2675% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0972% | 5,430 |
| Assets per employee ($millions) | 5.5300% | 1,765 |
| Cash dividends to net income (ytd only)* | 23.4467% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0336% | 4,419 |
| Loan loss allowance to noncurrent loans | 314.3426% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 4,464 |
| Noncurrent loans to loans | 0.3288% | 4,283 |
| Net loans and leases to total assets | 81.8064% | 615 |
| Net loans and leases to deposits | 95.6426% | 1,054 |
| Net loans and leases to core deposits | 113.7106% | 694 |
| Total domestic deposits to total assets | 85.5334% | 2,847 |
| Equity capital to assets | 10.3228% | 3,599 |
| Core capital (leverage) ratio | 9.9585% | 3,563 |
| Tier 1 risk-based capital ratio | 11.5190% | 5,245 |
| Total risk-based capital ratio | 12.5184% | 5,289 |
| Memoranda: | ||
| Average total assets | $854,107,200 | 811 |
| Average earning assets | $802,915,800 | 783 |
| Average equity | $86,792,000 | 879 |
| Average total loans | $682,525,600 | 688 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1739% | 458 |
| Cost of funding earning assets | 0.4641% | 2,541 |
| Net interest margin | 4.7098% | 443 |
| Noninterest income to average assets | 0.9672% | 1,270 |
| Noninterest expense to average assets | 2.9424% | 2,699 |
| Loan and lease loss provision to assets | 0.1444% | 1,521 |
| Net operating income to assets | 1.5668% | 824 |
| Return on assets (ROA) | 1.5952% | 808 |
| Pretax return on assets | 2.3336% | 322 |
| Return on Equity (ROE) | 15.7667% | 625 |
| Retained earnings to average equity (ytd only) | 11.0419% | 470 |
| Net charge-offs to loans | -0.1639% | 5,943 |
| Credit loss provision to net charge-offs | -111.3022% | 5,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3682% | 5,482 |
| Assets per employee ($millions) | 5.6357% | 1,651 |
| Cash dividends to net income (ytd only)* | 29.9670% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,680 |
| Loan loss allowance to noncurrent loans | 258.7257% | 1,814 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 4,464 |
| Noncurrent loans to loans | 0.3912% | 4,214 |
| Net loans and leases to total assets | 78.7803% | 988 |
| Net loans and leases to deposits | 89.9977% | 1,652 |
| Net loans and leases to core deposits | 106.6737% | 1,051 |
| Total domestic deposits to total assets | 87.5360% | 1,785 |
| Equity capital to assets | 10.2174% | 3,909 |
| Core capital (leverage) ratio | 9.5834% | 4,193 |
| Tier 1 risk-based capital ratio | 11.5514% | 5,343 |
| Total risk-based capital ratio | 12.5105% | 5,413 |
| Memoranda: | ||
| Average total assets | $836,758,500 | 835 |
| Average earning assets | $783,731,250 | 810 |
| Average equity | $84,657,250 | 909 |
| Average total loans | $662,313,500 | 714 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 425 |
| Cost of funding earning assets | 0.4506% | 2,718 |
| Net interest margin | 4.7530% | 399 |
| Noninterest income to average assets | 1.2417% | 787 |
| Noninterest expense to average assets | 3.0572% | 2,376 |
| Loan and lease loss provision to assets | 0.0295% | 3,538 |
| Net operating income to assets | 1.7414% | 579 |
| Return on assets (ROA) | 1.7658% | 574 |
| Pretax return on assets | 2.6276% | 210 |
| Return on Equity (ROE) | 17.5177% | 448 |
| Retained earnings to average equity (ytd only) | 10.1984% | 630 |
| Net charge-offs to loans | -0.2011% | 6,025 |
| Credit loss provision to net charge-offs | -18.5759% | 4,721 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5280% | 5,619 |
| Assets per employee ($millions) | 5.2176% | 2,026 |
| Cash dividends to net income (ytd only)* | 41.7827% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 5,212 |
| Loan loss allowance to noncurrent loans | 256.8715% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 4,621 |
| Noncurrent loans to loans | 0.3588% | 4,422 |
| Net loans and leases to total assets | 77.4745% | 1,139 |
| Net loans and leases to deposits | 92.5106% | 1,319 |
| Net loans and leases to core deposits | 110.0096% | 834 |
| Total domestic deposits to total assets | 83.7466% | 3,671 |
| Equity capital to assets | 10.1006% | 3,923 |
| Core capital (leverage) ratio | 9.9108% | 3,725 |
| Tier 1 risk-based capital ratio | 11.5173% | 5,452 |
| Total risk-based capital ratio | 12.3769% | 5,578 |
| Memoranda: | ||
| Average total assets | $813,229,000 | 870 |
| Average earning assets | $759,015,000 | 846 |
| Average equity | $81,974,000 | 939 |
| Average total loans | $642,378,000 | 731 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1401% | 452 |
| Cost of funding earning assets | 0.4295% | 2,980 |
| Net interest margin | 4.7105% | 403 |
| Noninterest income to average assets | 2.0658% | 355 |
| Noninterest expense to average assets | 3.3738% | 1,545 |
| Loan and lease loss provision to assets | -0.1443% | 6,232 |
| Net operating income to assets | 2.1599% | 248 |
| Return on assets (ROA) | 2.2071% | 240 |
| Pretax return on assets | 3.2993% | 116 |
| Return on Equity (ROE) | 21.9206% | 191 |
| Retained earnings to average equity (ytd only) | 6.6200% | 2,178 |
| Net charge-offs to loans | -0.2986% | 6,141 |
| Credit loss provision to net charge-offs | 60.8225% | 1,989 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9838% | 5,808 |
| Assets per employee ($millions) | 5.1113% | 2,208 |
| Cash dividends to net income (ytd only)* | 69.7999% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8543% | 5,557 |
| Loan loss allowance to noncurrent loans | 111.5191% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6874% | 3,430 |
| Noncurrent loans to loans | 0.7661% | 3,341 |
| Net loans and leases to total assets | 79.3998% | 756 |
| Net loans and leases to deposits | 97.5047% | 719 |
| Net loans and leases to core deposits | 117.0103% | 489 |
| Total domestic deposits to total assets | 81.4318% | 4,693 |
| Equity capital to assets | 10.3511% | 3,717 |
| Core capital (leverage) ratio | 10.7536% | 2,687 |
| Tier 1 risk-based capital ratio | 11.1720% | 5,725 |
| Total risk-based capital ratio | 11.9565% | 5,861 |
| Memoranda: | ||
| Average total assets | $778,954,000 | 898 |
| Average earning assets | $726,373,000 | 889 |
| Average equity | $78,428,500 | 978 |
| Average total loans | $618,812,500 | 755 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 2,404 |
| Cost of funding earning assets | 0.4369% | 3,311 |
| Net interest margin | 3.9143% | 2,181 |
| Noninterest income to average assets | 0.3303% | 4,751 |
| Noninterest expense to average assets | 3.1854% | 2,250 |
| Loan and lease loss provision to assets | 0.4162% | 417 |
| Net operating income to assets | 0.2902% | 5,541 |
| Return on assets (ROA) | 0.3099% | 5,564 |
| Pretax return on assets | 0.3581% | 5,591 |
| Return on Equity (ROE) | 3.0264% | 5,466 |
| Retained earnings to average equity (ytd only) | 3.0264% | 4,087 |
| Net charge-offs to loans | 0.4569% | 919 |
| Credit loss provision to net charge-offs | 120.6775% | 1,987 |
| Earnings coverage of net charge-offs (x) | 2.1795% | 4,227 |
| Efficiency ratio | 80.4748% | 1,851 |
| Assets per employee ($millions) | 4.5805% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 5,091 |
| Loan loss allowance to noncurrent loans | 195.4879% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4449% | 4,333 |
| Noncurrent loans to loans | 0.5085% | 4,142 |
| Net loans and leases to total assets | 77.9009% | 1,009 |
| Net loans and leases to deposits | 99.8148% | 632 |
| Net loans and leases to core deposits | 118.1318% | 459 |
| Total domestic deposits to total assets | 78.0455% | 5,429 |
| Equity capital to assets | 9.7348% | 4,426 |
| Core capital (leverage) ratio | 10.1122% | 3,421 |
| Tier 1 risk-based capital ratio | 11.8517% | 5,462 |
| Total risk-based capital ratio | 12.8070% | 5,539 |
| Memoranda: | ||
| Average total assets | $659,006,800 | 1,015 |
| Average earning assets | $607,230,400 | 1,009 |
| Average equity | $67,471,800 | 1,093 |
| Average total loans | $497,527,800 | 900 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2785% | 2,717 |
| Cost of funding earning assets | 0.4437% | 3,325 |
| Net interest margin | 3.8348% | 2,494 |
| Noninterest income to average assets | 0.3361% | 4,751 |
| Noninterest expense to average assets | 3.2566% | 2,006 |
| Loan and lease loss provision to assets | 0.2825% | 721 |
| Net operating income to assets | 0.3122% | 5,546 |
| Return on assets (ROA) | 0.3408% | 5,531 |
| Pretax return on assets | 0.3482% | 5,682 |
| Return on Equity (ROE) | 3.2840% | 5,436 |
| Retained earnings to average equity (ytd only) | 3.2840% | 4,286 |
| Net charge-offs to loans | 0.3041% | 1,303 |
| Credit loss provision to net charge-offs | 124.4991% | 1,848 |
| Earnings coverage of net charge-offs (x) | 2.6512% | 3,857 |
| Efficiency ratio | 83.9565% | 1,391 |
| Assets per employee ($millions) | 4.4201% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0512% | 4,982 |
| Loan loss allowance to noncurrent loans | 127.7686% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.7109% | 3,688 |
| Noncurrent loans to loans | 0.8227% | 3,516 |
| Net loans and leases to total assets | 74.5088% | 1,441 |
| Net loans and leases to deposits | 86.4266% | 1,862 |
| Net loans and leases to core deposits | 101.7196% | 1,233 |
| Total domestic deposits to total assets | 86.2106% | 2,748 |
| Equity capital to assets | 10.0595% | 4,094 |
| Core capital (leverage) ratio | 10.4184% | 3,140 |
| Tier 1 risk-based capital ratio | 12.5151% | 5,161 |
| Total risk-based capital ratio | 13.4939% | 5,256 |
| Memoranda: | ||
| Average total assets | $645,120,750 | 1,050 |
| Average earning assets | $592,523,500 | 1,044 |
| Average equity | $66,949,750 | 1,106 |
| Average total loans | $481,352,000 | 930 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4380% | 2,046 |
| Cost of funding earning assets | 0.4482% | 3,347 |
| Net interest margin | 3.9898% | 1,838 |
| Noninterest income to average assets | 0.3578% | 4,556 |
| Noninterest expense to average assets | 3.2508% | 2,048 |
| Loan and lease loss provision to assets | 0.2473% | 893 |
| Net operating income to assets | 0.3614% | 5,367 |
| Return on assets (ROA) | 0.3904% | 5,329 |
| Pretax return on assets | 0.5527% | 5,125 |
| Return on Equity (ROE) | 3.7206% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.7206% | 3,828 |
| Net charge-offs to loans | 0.1083% | 2,589 |
| Credit loss provision to net charge-offs | 307.0588% | 838 |
| Earnings coverage of net charge-offs (x) | 9.4275% | 2,359 |
| Efficiency ratio | 80.6253% | 1,925 |
| Assets per employee ($millions) | 3.9640% | 3,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 4,573 |
| Loan loss allowance to noncurrent loans | 125.1274% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.8229% | 3,505 |
| Noncurrent loans to loans | 0.9338% | 3,380 |
| Net loans and leases to total assets | 73.9203% | 1,455 |
| Net loans and leases to deposits | 85.1692% | 1,906 |
| Net loans and leases to core deposits | 101.6152% | 1,164 |
| Total domestic deposits to total assets | 86.7923% | 2,582 |
| Equity capital to assets | 10.4858% | 3,456 |
| Core capital (leverage) ratio | 10.7099% | 2,711 |
| Tier 1 risk-based capital ratio | 13.1528% | 4,819 |
| Total risk-based capital ratio | 14.2382% | 4,858 |
| Memoranda: | ||
| Average total assets | $633,260,330 | 1,066 |
| Average earning assets | $579,673,000 | 1,063 |
| Average equity | $66,441,330 | 1,101 |
| Average total loans | $470,945,670 | 941 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9475% | 791 |
| Cost of funding earning assets | 0.4424% | 3,512 |
| Net interest margin | 4.5051% | 653 |
| Noninterest income to average assets | 0.4505% | 3,793 |
| Noninterest expense to average assets | 3.1658% | 2,334 |
| Loan and lease loss provision to assets | 0.3842% | 439 |
| Net operating income to assets | 0.7090% | 3,640 |
| Return on assets (ROA) | 0.7090% | 3,721 |
| Pretax return on assets | 1.0204% | 3,252 |
| Return on Equity (ROE) | 6.7553% | 3,604 |
| Retained earnings to average equity (ytd only) | 6.7553% | 2,161 |
| Net charge-offs to loans | 0.3322% | 1,078 |
| Credit loss provision to net charge-offs | 155.9585% | 1,227 |
| Earnings coverage of net charge-offs (x) | 5.7021% | 2,344 |
| Efficiency ratio | 68.8774% | 4,026 |
| Assets per employee ($millions) | 4.4430% | 3,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 4,973 |
| Loan loss allowance to noncurrent loans | 130.0902% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 0.7789% | 3,797 |
| Noncurrent loans to loans | 0.8700% | 3,721 |
| Net loans and leases to total assets | 73.3517% | 1,377 |
| Net loans and leases to deposits | 86.4431% | 1,538 |
| Net loans and leases to core deposits | 104.8002% | 809 |
| Total domestic deposits to total assets | 84.8554% | 3,936 |
| Equity capital to assets | 10.5219% | 3,225 |
| Core capital (leverage) ratio | 10.9444% | 2,440 |
| Tier 1 risk-based capital ratio | 13.5045% | 4,673 |
| Total risk-based capital ratio | 14.5598% | 4,747 |
| Memoranda: | ||
| Average total assets | $626,821,000 | 1,086 |
| Average earning assets | $573,220,500 | 1,078 |
| Average equity | $65,785,500 | 1,114 |
| Average total loans | $464,781,000 | 956 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9782% | 951 |
| Cost of funding earning assets | 0.4512% | 4,097 |
| Net interest margin | 4.5271% | 699 |
| Noninterest income to average assets | 0.5589% | 3,342 |
| Noninterest expense to average assets | 3.5052% | 1,636 |
| Loan and lease loss provision to assets | 0.1027% | 3,083 |
| Net operating income to assets | 0.7069% | 3,764 |
| Return on assets (ROA) | 0.7259% | 3,764 |
| Pretax return on assets | 1.0461% | 3,169 |
| Return on Equity (ROE) | 6.3465% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.3465% | 1,774 |
| Net charge-offs to loans | 0.1154% | 3,655 |
| Credit loss provision to net charge-offs | 123.1760% | 1,932 |
| Earnings coverage of net charge-offs (x) | 13.4442% | 2,023 |
| Efficiency ratio | 75.3114% | 2,896 |
| Assets per employee ($millions) | 4.4164% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1172% | 5,058 |
| Loan loss allowance to noncurrent loans | 92.8364% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 3,323 |
| Noncurrent loans to loans | 1.2034% | 3,140 |
| Net loans and leases to total assets | 73.2774% | 1,476 |
| Net loans and leases to deposits | 87.2630% | 1,545 |
| Net loans and leases to core deposits | 104.1086% | 902 |
| Total domestic deposits to total assets | 83.9729% | 4,178 |
| Equity capital to assets | 10.4675% | 3,207 |
| Core capital (leverage) ratio | 11.0746% | 2,321 |
| Tier 1 risk-based capital ratio | 14.1486% | 4,194 |
| Total risk-based capital ratio | 15.2277% | 4,251 |
| Memoranda: | ||
| Average total assets | $558,736,800 | 1,180 |
| Average earning assets | $502,025,000 | 1,211 |
| Average equity | $63,909,200 | 1,119 |
| Average total loans | $403,798,600 | 1,060 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 815 |
| Cost of funding earning assets | 0.4566% | 4,195 |
| Net interest margin | 4.6169% | 599 |
| Noninterest income to average assets | 0.6735% | 2,760 |
| Noninterest expense to average assets | 3.5426% | 1,518 |
| Loan and lease loss provision to assets | 0.2714% | 1,294 |
| Net operating income to assets | 0.6705% | 4,011 |
| Return on assets (ROA) | 0.6955% | 4,019 |
| Pretax return on assets | 1.0216% | 3,413 |
| Return on Equity (ROE) | 5.9375% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.9375% | 2,451 |
| Net charge-offs to loans | 0.1360% | 3,179 |
| Credit loss provision to net charge-offs | 278.1407% | 919 |
| Earnings coverage of net charge-offs (x) | 12.8745% | 2,087 |
| Efficiency ratio | 73.3728% | 3,161 |
| Assets per employee ($millions) | 4.3822% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 4,220 |
| Loan loss allowance to noncurrent loans | 94.1564% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 1.1611% | 3,333 |
| Noncurrent loans to loans | 1.4164% | 3,049 |
| Net loans and leases to total assets | 71.0048% | 1,779 |
| Net loans and leases to deposits | 84.2452% | 1,850 |
| Net loans and leases to core deposits | 100.0795% | 1,111 |
| Total domestic deposits to total assets | 84.2835% | 4,070 |
| Equity capital to assets | 10.6949% | 3,077 |
| Core capital (leverage) ratio | 11.3453% | 2,167 |
| Tier 1 risk-based capital ratio | 14.8582% | 3,841 |
| Total risk-based capital ratio | 16.1086% | 3,798 |
| Memoranda: | ||
| Average total assets | $543,848,000 | 1,233 |
| Average earning assets | $485,942,250 | 1,271 |
| Average equity | $63,706,500 | 1,142 |
| Average total loans | $390,201,500 | 1,100 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0429% | 855 |
| Cost of funding earning assets | 0.4666% | 4,245 |
| Net interest margin | 4.5762% | 623 |
| Noninterest income to average assets | 0.7993% | 2,187 |
| Noninterest expense to average assets | 3.6849% | 1,273 |
| Loan and lease loss provision to assets | 0.4202% | 720 |
| Net operating income to assets | 0.5227% | 4,705 |
| Return on assets (ROA) | 0.5615% | 4,664 |
| Pretax return on assets | 0.8232% | 4,230 |
| Return on Equity (ROE) | 4.6408% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.6408% | 3,302 |
| Net charge-offs to loans | 0.1977% | 2,579 |
| Credit loss provision to net charge-offs | 296.5147% | 878 |
| Earnings coverage of net charge-offs (x) | 8.3727% | 2,403 |
| Efficiency ratio | 75.1774% | 2,922 |
| Assets per employee ($millions) | 4.1561% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4344% | 3,871 |
| Loan loss allowance to noncurrent loans | 98.8300% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.0884% | 3,557 |
| Noncurrent loans to loans | 1.4514% | 3,127 |
| Net loans and leases to total assets | 69.8316% | 1,914 |
| Net loans and leases to deposits | 84.0102% | 1,804 |
| Net loans and leases to core deposits | 98.6590% | 1,162 |
| Total domestic deposits to total assets | 83.1228% | 4,655 |
| Equity capital to assets | 11.2042% | 2,551 |
| Core capital (leverage) ratio | 12.0629% | 1,581 |
| Tier 1 risk-based capital ratio | 15.9619% | 3,216 |
| Total risk-based capital ratio | 17.2140% | 3,153 |
| Memoranda: | ||
| Average total assets | $526,471,330 | 1,270 |
| Average earning assets | $468,462,330 | 1,303 |
| Average equity | $63,695,670 | 1,148 |
| Average total loans | $377,304,330 | 1,131 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 803 |
| Cost of funding earning assets | 0.5116% | 3,956 |
| Net interest margin | 4.5510% | 621 |
| Noninterest income to average assets | 0.9616% | 1,575 |
| Noninterest expense to average assets | 3.8273% | 1,081 |
| Loan and lease loss provision to assets | 0.6579% | 364 |
| Net operating income to assets | 0.3430% | 5,390 |
| Return on assets (ROA) | 0.3692% | 5,397 |
| Pretax return on assets | 0.5348% | 5,160 |
| Return on Equity (ROE) | 2.9305% | 5,610 |
| Retained earnings to average equity (ytd only) | 2.9305% | 4,520 |
| Net charge-offs to loans | 0.3390% | 1,625 |
| Credit loss provision to net charge-offs | 269.0323% | 873 |
| Earnings coverage of net charge-offs (x) | 4.7226% | 2,492 |
| Efficiency ratio | 76.3458% | 2,871 |
| Assets per employee ($millions) | 4.1177% | 3,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4762% | 3,912 |
| Loan loss allowance to noncurrent loans | 73.6429% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.4814% | 3,041 |
| Noncurrent loans to loans | 2.0045% | 2,613 |
| Net loans and leases to total assets | 71.2022% | 1,489 |
| Net loans and leases to deposits | 85.1428% | 1,452 |
| Net loans and leases to core deposits | 94.7501% | 1,291 |
| Total domestic deposits to total assets | 83.6268% | 4,622 |
| Equity capital to assets | 12.3479% | 1,808 |
| Core capital (leverage) ratio | 12.7648% | 1,213 |
| Tier 1 risk-based capital ratio | 16.6145% | 2,943 |
| Total risk-based capital ratio | 17.8669% | 2,907 |
| Memoranda: | ||
| Average total assets | $507,095,000 | 1,331 |
| Average earning assets | $447,988,500 | 1,378 |
| Average equity | $63,879,000 | 1,158 |
| Average total loans | $365,732,000 | 1,170 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1816% | 200 |
| Cost of funding earning assets | 0.6670% | 3,770 |
| Net interest margin | 5.5147% | 168 |
| Noninterest income to average assets | 0.8158% | 2,192 |
| Noninterest expense to average assets | 3.6946% | 1,427 |
| Loan and lease loss provision to assets | 0.3892% | 1,674 |
| Net operating income to assets | 1.0376% | 2,177 |
| Return on assets (ROA) | 1.1404% | 1,973 |
| Pretax return on assets | 1.7043% | 1,126 |
| Return on Equity (ROE) | 8.9092% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.9092% | 855 |
| Net charge-offs to loans | 0.2203% | 3,628 |
| Credit loss provision to net charge-offs | 250.8796% | 968 |
| Earnings coverage of net charge-offs (x) | 12.5047% | 1,920 |
| Efficiency ratio | 65.0807% | 4,689 |
| Assets per employee ($millions) | 4.1626% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 4,147 |
| Loan loss allowance to noncurrent loans | 61.1993% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 1.6962% | 2,853 |
| Noncurrent loans to loans | 2.2967% | 2,354 |
| Net loans and leases to total assets | 70.9584% | 1,658 |
| Net loans and leases to deposits | 85.6825% | 1,552 |
| Net loans and leases to core deposits | 95.5599% | 1,343 |
| Total domestic deposits to total assets | 82.8156% | 4,792 |
| Equity capital to assets | 12.8581% | 1,513 |
| Core capital (leverage) ratio | 12.5847% | 1,289 |
| Tier 1 risk-based capital ratio | 17.7729% | 2,350 |
| Total risk-based capital ratio | 19.0251% | 2,315 |
| Memoranda: | ||
| Average total assets | $476,317,000 | 1,392 |
| Average earning assets | $416,217,000 | 1,450 |
| Average equity | $60,970,600 | 1,171 |
| Average total loans | $335,410,000 | 1,256 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0186% | 277 |
| Cost of funding earning assets | 0.6884% | 3,872 |
| Net interest margin | 5.3302% | 231 |
| Noninterest income to average assets | 0.8663% | 1,955 |
| Noninterest expense to average assets | 3.6400% | 1,477 |
| Loan and lease loss provision to assets | 0.3941% | 1,626 |
| Net operating income to assets | 0.9896% | 2,558 |
| Return on assets (ROA) | 1.1205% | 2,217 |
| Pretax return on assets | 1.6778% | 1,338 |
| Return on Equity (ROE) | 8.7641% | 2,920 |
| Retained earnings to average equity (ytd only) | 8.7641% | 1,317 |
| Net charge-offs to loans | 0.1704% | 3,738 |
| Credit loss provision to net charge-offs | 330.3318% | 806 |
| Earnings coverage of net charge-offs (x) | 15.7276% | 1,736 |
| Efficiency ratio | 65.4708% | 4,542 |
| Assets per employee ($millions) | 4.2908% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4203% | 4,287 |
| Loan loss allowance to noncurrent loans | 95.4510% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 1.2488% | 3,802 |
| Noncurrent loans to loans | 1.4880% | 3,556 |
| Net loans and leases to total assets | 66.7332% | 2,512 |
| Net loans and leases to deposits | 79.8868% | 2,404 |
| Net loans and leases to core deposits | 87.2150% | 2,313 |
| Total domestic deposits to total assets | 83.5347% | 4,421 |
| Equity capital to assets | 12.3294% | 2,011 |
| Core capital (leverage) ratio | 12.4849% | 1,416 |
| Tier 1 risk-based capital ratio | 19.0653% | 1,989 |
| Total risk-based capital ratio | 20.3187% | 1,964 |
| Memoranda: | ||
| Average total assets | $471,557,500 | 1,418 |
| Average earning assets | $411,405,000 | 1,482 |
| Average equity | $60,290,000 | 1,190 |
| Average total loans | $330,135,750 | 1,287 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3572% | 173 |
| Cost of funding earning assets | 0.7075% | 3,956 |
| Net interest margin | 5.6497% | 145 |
| Noninterest income to average assets | 0.8205% | 2,093 |
| Noninterest expense to average assets | 3.6481% | 1,473 |
| Loan and lease loss provision to assets | 0.3096% | 2,130 |
| Net operating income to assets | 1.1763% | 1,796 |
| Return on assets (ROA) | 1.2931% | 1,607 |
| Pretax return on assets | 1.9397% | 786 |
| Return on Equity (ROE) | 9.9836% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.9836% | 977 |
| Net charge-offs to loans | 0.0877% | 4,275 |
| Credit loss provision to net charge-offs | 497.9021% | 612 |
| Earnings coverage of net charge-offs (x) | 33.3706% | 999 |
| Efficiency ratio | 63.2275% | 5,048 |
| Assets per employee ($millions) | 3.8174% | 4,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 4,708 |
| Loan loss allowance to noncurrent loans | 59.5016% | 4,660 |
| Noncurrent assets plus other real estate owned to assets | 2.0889% | 2,678 |
| Noncurrent loans to loans | 2.2502% | 2,672 |
| Net loans and leases to total assets | 70.0732% | 1,908 |
| Net loans and leases to deposits | 85.3070% | 1,684 |
| Net loans and leases to core deposits | 94.6245% | 1,541 |
| Total domestic deposits to total assets | 82.1423% | 5,076 |
| Equity capital to assets | 13.0674% | 1,481 |
| Core capital (leverage) ratio | 13.1481% | 1,110 |
| Tier 1 risk-based capital ratio | 19.7836% | 1,764 |
| Total risk-based capital ratio | 21.0364% | 1,732 |
| Memoranda: | ||
| Average total assets | $459,970,330 | 1,446 |
| Average earning assets | $399,135,330 | 1,530 |
| Average equity | $59,578,000 | 1,194 |
| Average total loans | $325,930,670 | 1,301 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2439% | 1,219 |
| Cost of funding earning assets | 0.7351% | 3,983 |
| Net interest margin | 4.5087% | 996 |
| Noninterest income to average assets | 1.1424% | 1,082 |
| Noninterest expense to average assets | 3.5862% | 1,587 |
| Loan and lease loss provision to assets | 0.0870% | 4,291 |
| Net operating income to assets | 0.9072% | 2,881 |
| Return on assets (ROA) | 0.8937% | 3,167 |
| Pretax return on assets | 1.3348% | 2,408 |
| Return on Equity (ROE) | 6.9315% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.9315% | 2,468 |
| Net charge-offs to loans | 0.0931% | 3,592 |
| Credit loss provision to net charge-offs | 132.0000% | 1,850 |
| Earnings coverage of net charge-offs (x) | 21.8800% | 1,144 |
| Efficiency ratio | 70.6921% | 3,680 |
| Assets per employee ($millions) | 4.1041% | 3,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 5,364 |
| Loan loss allowance to noncurrent loans | 45.1509% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.3128% | 2,567 |
| Noncurrent loans to loans | 2.7203% | 2,399 |
| Net loans and leases to total assets | 70.4676% | 1,676 |
| Net loans and leases to deposits | 85.0425% | 1,531 |
| Net loans and leases to core deposits | 94.8380% | 1,386 |
| Total domestic deposits to total assets | 82.8617% | 4,985 |
| Equity capital to assets | 13.2391% | 1,343 |
| Core capital (leverage) ratio | 12.8643% | 1,182 |
| Tier 1 risk-based capital ratio | 21.3282% | 1,415 |
| Total risk-based capital ratio | 22.5804% | 1,390 |
| Memoranda: | ||
| Average total assets | $455,188,000 | 1,467 |
| Average earning assets | $392,306,500 | 1,553 |
| Average equity | $58,689,000 | 1,211 |
| Average total loans | $322,154,500 | 1,314 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8359% | 117 |
| Cost of funding earning assets | 0.9318% | 3,857 |
| Net interest margin | 5.9041% | 101 |
| Noninterest income to average assets | 0.9043% | 1,658 |
| Noninterest expense to average assets | 2.8874% | 4,004 |
| Loan and lease loss provision to assets | 1.1752% | 755 |
| Net operating income to assets | 1.2145% | 1,477 |
| Return on assets (ROA) | 1.2586% | 1,455 |
| Pretax return on assets | 1.9070% | 654 |
| Return on Equity (ROE) | 10.8680% | 1,739 |
| Retained earnings to average equity (ytd only) | 10.8680% | 421 |
| Net charge-offs to loans | 1.0929% | 1,575 |
| Credit loss provision to net charge-offs | 157.3924% | 1,775 |
| Earnings coverage of net charge-offs (x) | 4.0385% | 3,292 |
| Efficiency ratio | 48.3298% | 6,930 |
| Assets per employee ($millions) | 4.8233% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 5,397 |
| Loan loss allowance to noncurrent loans | 32.8776% | 6,018 |
| Noncurrent assets plus other real estate owned to assets | 2.8406% | 2,128 |
| Noncurrent loans to loans | 3.6444% | 1,738 |
| Net loans and leases to total assets | 69.3819% | 2,147 |
| Net loans and leases to deposits | 84.3823% | 1,874 |
| Net loans and leases to core deposits | 96.5197% | 1,451 |
| Total domestic deposits to total assets | 82.2233% | 5,053 |
| Equity capital to assets | 12.5594% | 1,768 |
| Core capital (leverage) ratio | 12.4773% | 1,360 |
| Tier 1 risk-based capital ratio | 22.0897% | 1,227 |
| Total risk-based capital ratio | 23.3426% | 1,200 |
| Memoranda: | ||
| Average total assets | $444,787,600 | 1,469 |
| Average earning assets | $376,572,000 | 1,576 |
| Average equity | $51,508,800 | 1,328 |
| Average total loans | $303,880,200 | 1,400 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3063% | 77 |
| Cost of funding earning assets | 0.9823% | 3,801 |
| Net interest margin | 6.3241% | 74 |
| Noninterest income to average assets | 0.5721% | 3,366 |
| Noninterest expense to average assets | 2.7667% | 4,475 |
| Loan and lease loss provision to assets | 0.9452% | 935 |
| Net operating income to assets | 1.4397% | 1,078 |
| Return on assets (ROA) | 1.4965% | 1,023 |
| Pretax return on assets | 2.2676% | 380 |
| Return on Equity (ROE) | 13.2160% | 1,224 |
| Retained earnings to average equity (ytd only) | 13.2160% | 359 |
| Net charge-offs to loans | 1.0361% | 1,542 |
| Credit loss provision to net charge-offs | 134.5259% | 2,368 |
| Earnings coverage of net charge-offs (x) | 4.4500% | 3,069 |
| Efficiency ratio | 46.3436% | 7,041 |
| Assets per employee ($millions) | 5.2101% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 6,626 |
| Loan loss allowance to noncurrent loans | 24.4054% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 3.1621% | 2,024 |
| Noncurrent loans to loans | 3.6504% | 1,881 |
| Net loans and leases to total assets | 67.7213% | 2,533 |
| Net loans and leases to deposits | 82.5268% | 2,253 |
| Net loans and leases to core deposits | 95.3319% | 1,670 |
| Total domestic deposits to total assets | 82.0597% | 5,072 |
| Equity capital to assets | 12.5384% | 1,898 |
| Core capital (leverage) ratio | 12.2745% | 1,546 |
| Tier 1 risk-based capital ratio | 21.5322% | 1,363 |
| Total risk-based capital ratio | 22.5948% | 1,369 |
| Memoranda: | ||
| Average total assets | $440,226,250 | 1,493 |
| Average earning assets | $370,427,250 | 1,609 |
| Average equity | $49,847,500 | 1,368 |
| Average total loans | $298,561,000 | 1,438 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2282% | 86 |
| Cost of funding earning assets | 1.0184% | 3,827 |
| Net interest margin | 6.2097% | 80 |
| Noninterest income to average assets | 1.1466% | 977 |
| Noninterest expense to average assets | 2.7130% | 4,765 |
| Loan and lease loss provision to assets | 1.1411% | 699 |
| Net operating income to assets | 1.6247% | 699 |
| Return on assets (ROA) | 1.6469% | 712 |
| Pretax return on assets | 2.5144% | 239 |
| Return on Equity (ROE) | 15.1160% | 784 |
| Retained earnings to average equity (ytd only) | 15.1160% | 242 |
| Net charge-offs to loans | 1.5236% | 972 |
| Credit loss provision to net charge-offs | 110.7287% | 2,768 |
| Earnings coverage of net charge-offs (x) | 3.5145% | 3,145 |
| Efficiency ratio | 42.3242% | 7,293 |
| Assets per employee ($millions) | 6.0012% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7489% | 6,953 |
| Loan loss allowance to noncurrent loans | 12.3505% | 6,914 |
| Noncurrent assets plus other real estate owned to assets | 4.5138% | 1,389 |
| Noncurrent loans to loans | 6.0637% | 973 |
| Net loans and leases to total assets | 63.9572% | 3,470 |
| Net loans and leases to deposits | 77.1726% | 3,269 |
| Net loans and leases to core deposits | 90.2420% | 2,345 |
| Total domestic deposits to total assets | 82.8756% | 4,816 |
| Equity capital to assets | 12.1604% | 1,989 |
| Core capital (leverage) ratio | 12.5007% | 1,360 |
| Tier 1 risk-based capital ratio | 23.0580% | 1,107 |
| Total risk-based capital ratio | 23.9905% | 1,140 |
| Memoranda: | ||
| Average total assets | $434,139,000 | 1,524 |
| Average earning assets | $362,720,330 | 1,649 |
| Average equity | $47,301,000 | 1,432 |
| Average total loans | $293,653,000 | 1,478 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4585% | 78 |
| Cost of funding earning assets | 1.0396% | 3,919 |
| Net interest margin | 6.4189% | 73 |
| Noninterest income to average assets | 0.8682% | 1,782 |
| Noninterest expense to average assets | 2.6571% | 5,010 |
| Loan and lease loss provision to assets | 0.7997% | 1,055 |
| Net operating income to assets | 1.7818% | 506 |
| Return on assets (ROA) | 1.7917% | 521 |
| Pretax return on assets | 2.7523% | 190 |
| Return on Equity (ROE) | 17.5660% | 516 |
| Retained earnings to average equity (ytd only) | 17.5660% | 254 |
| Net charge-offs to loans | 0.9479% | 1,413 |
| Credit loss provision to net charge-offs | 121.5630% | 2,249 |
| Earnings coverage of net charge-offs (x) | 5.3763% | 2,291 |
| Efficiency ratio | 42.4224% | 7,336 |
| Assets per employee ($millions) | 6.1611% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 7,027 |
| Loan loss allowance to noncurrent loans | 14.1160% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 4.3365% | 1,510 |
| Noncurrent loans to loans | 5.2159% | 1,274 |
| Net loans and leases to total assets | 68.8320% | 2,373 |
| Net loans and leases to deposits | 80.6467% | 2,582 |
| Net loans and leases to core deposits | 90.7847% | 2,263 |
| Total domestic deposits to total assets | 85.3500% | 3,864 |
| Equity capital to assets | 10.4596% | 3,228 |
| Core capital (leverage) ratio | 10.3173% | 2,786 |
| Tier 1 risk-based capital ratio | 18.6253% | 1,916 |
| Total risk-based capital ratio | 19.5475% | 1,977 |
| Memoranda: | ||
| Average total assets | $420,163,500 | 1,586 |
| Average earning assets | $348,597,000 | 1,726 |
| Average equity | $42,855,500 | 1,550 |
| Average total loans | $291,594,500 | 1,509 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 4,955 |
| Cost of funding earning assets | 0.9505% | 5,932 |
| Net interest margin | 3.9626% | 3,198 |
| Noninterest income to average assets | 1.6346% | 545 |
| Noninterest expense to average assets | 2.8001% | 4,607 |
| Loan and lease loss provision to assets | 0.3099% | 4,322 |
| Net operating income to assets | 1.9977% | 283 |
| Return on assets (ROA) | 2.1173% | 237 |
| Pretax return on assets | 2.2493% | 285 |
| Return on Equity (ROE) | 20.5237% | 222 |
| Retained earnings to average equity (ytd only) | 20.5237% | 54 |
| Net charge-offs to loans | 0.1599% | 5,386 |
| Credit loss provision to net charge-offs | 277.8626% | 977 |
| Earnings coverage of net charge-offs (x) | 21.8053% | 952 |
| Efficiency ratio | 52.3798% | 6,956 |
| Assets per employee ($millions) | 6.9077% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6799% | 7,162 |
| Loan loss allowance to noncurrent loans | 20.6346% | 6,787 |
| Noncurrent assets plus other real estate owned to assets | 3.0042% | 2,341 |
| Noncurrent loans to loans | 3.2951% | 2,299 |
| Net loans and leases to total assets | 68.9854% | 2,752 |
| Net loans and leases to deposits | 82.4463% | 2,720 |
| Net loans and leases to core deposits | 89.5038% | 2,829 |
| Total domestic deposits to total assets | 83.6731% | 4,517 |
| Equity capital to assets | 9.9413% | 3,824 |
| Core capital (leverage) ratio | 15.2187% | 629 |
| Tier 1 risk-based capital ratio | 18.2650% | 1,920 |
| Total risk-based capital ratio | 19.1454% | 1,993 |
| Memoranda: | ||
| Average total assets | $234,921,400 | 2,691 |
| Average earning assets | $213,267,000 | 2,712 |
| Average equity | $24,235,400 | 2,633 |
| Average total loans | $163,808,800 | 2,564 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 4,346 |
| Cost of funding earning assets | 1.0683% | 5,598 |
| Net interest margin | 4.0271% | 2,968 |
| Noninterest income to average assets | 0.6231% | 3,292 |
| Noninterest expense to average assets | 3.2010% | 2,926 |
| Loan and lease loss provision to assets | 0.4340% | 3,309 |
| Net operating income to assets | 1.5329% | 861 |
| Return on assets (ROA) | 1.6589% | 727 |
| Pretax return on assets | 0.9360% | 3,426 |
| Return on Equity (ROE) | 15.7601% | 739 |
| Retained earnings to average equity (ytd only) | 15.7601% | 175 |
| Net charge-offs to loans | 0.2665% | 4,351 |
| Credit loss provision to net charge-offs | 233.0798% | 1,462 |
| Earnings coverage of net charge-offs (x) | 6.6806% | 2,472 |
| Efficiency ratio | 70.3090% | 4,006 |
| Assets per employee ($millions) | 5.5717% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2992% | 4,969 |
| Loan loss allowance to noncurrent loans | 2,342.5000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0378% | 7,260 |
| Noncurrent loans to loans | 0.0555% | 7,105 |
| Net loans and leases to total assets | 67.2430% | 3,400 |
| Net loans and leases to deposits | 76.8738% | 4,030 |
| Net loans and leases to core deposits | 88.4105% | 3,319 |
| Total domestic deposits to total assets | 87.4720% | 2,278 |
| Equity capital to assets | 10.8461% | 3,118 |
| Core capital (leverage) ratio | 10.9061% | 2,331 |
| Tier 1 risk-based capital ratio | 13.3398% | 4,322 |
| Total risk-based capital ratio | 14.4990% | 4,358 |
| Memoranda: | ||
| Average total assets | $188,308,750 | 3,296 |
| Average earning assets | $178,719,250 | 3,180 |
| Average equity | $19,821,750 | 3,211 |
| Average total loans | $131,592,250 | 3,149 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0954% | 4,484 |
| Cost of funding earning assets | 1.1413% | 5,455 |
| Net interest margin | 3.9541% | 3,228 |
| Noninterest income to average assets | 0.5041% | 4,083 |
| Noninterest expense to average assets | 3.3019% | 2,555 |
| Loan and lease loss provision to assets | 0.4842% | 2,884 |
| Net operating income to assets | 2.1717% | 248 |
| Return on assets (ROA) | 2.3867% | 178 |
| Pretax return on assets | 0.6604% | 4,363 |
| Return on Equity (ROE) | 22.9462% | 175 |
| Retained earnings to average equity (ytd only) | 22.9462% | 63 |
| Net charge-offs to loans | 0.1821% | 4,519 |
| Credit loss provision to net charge-offs | 376.7241% | 962 |
| Earnings coverage of net charge-offs (x) | 7.2328% | 2,336 |
| Efficiency ratio | 78.0309% | 2,724 |
| Assets per employee ($millions) | 5.0752% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,712 |
| Loan loss allowance to noncurrent loans | 791.8455% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1208% | 7,090 |
| Noncurrent loans to loans | 0.1697% | 6,917 |
| Net loans and leases to total assets | 70.2392% | 2,847 |
| Net loans and leases to deposits | 81.1811% | 3,402 |
| Net loans and leases to core deposits | 94.5838% | 2,637 |
| Total domestic deposits to total assets | 86.5217% | 2,806 |
| Equity capital to assets | 11.7620% | 2,235 |
| Core capital (leverage) ratio | 11.0615% | 2,195 |
| Tier 1 risk-based capital ratio | 13.6752% | 3,959 |
| Total risk-based capital ratio | 14.8956% | 3,940 |
| Memoranda: | ||
| Average total assets | $180,503,000 | 3,437 |
| Average earning assets | $170,154,330 | 3,339 |
| Average equity | $18,774,330 | 3,338 |
| Average total loans | $127,374,670 | 3,251 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1761% | 4,157 |
| Cost of funding earning assets | 1.2143% | 5,317 |
| Net interest margin | 3.9618% | 3,042 |
| Noninterest income to average assets | 0.2868% | 5,849 |
| Noninterest expense to average assets | 3.2720% | 2,628 |
| Loan and lease loss provision to assets | 0.2180% | 4,322 |
| Net operating income to assets | 4.3321% | 48 |
| Return on assets (ROA) | 4.4491% | 49 |
| Pretax return on assets | 0.6195% | 4,530 |
| Return on Equity (ROE) | 46.1131% | 29 |
| Retained earnings to average equity (ytd only) | 46.1131% | 22 |
| Net charge-offs to loans | 0.1111% | 4,320 |
| Credit loss provision to net charge-offs | 279.4118% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.2353% | 1,879 |
| Efficiency ratio | 81.9540% | 2,273 |
| Assets per employee ($millions) | 4.6903% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 5,080 |
| Loan loss allowance to noncurrent loans | 646.9388% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 7,139 |
| Noncurrent loans to loans | 0.1967% | 6,950 |
| Net loans and leases to total assets | 69.0009% | 3,154 |
| Net loans and leases to deposits | 77.2557% | 4,176 |
| Net loans and leases to core deposits | 89.7796% | 3,391 |
| Total domestic deposits to total assets | 89.3150% | 1,355 |
| Equity capital to assets | 10.1638% | 3,652 |
| Core capital (leverage) ratio | 9.3840% | 3,929 |
| Tier 1 risk-based capital ratio | 11.6926% | 5,500 |
| Total risk-based capital ratio | 12.8459% | 5,553 |
| Memoranda: | ||
| Average total assets | $174,325,500 | 3,587 |
| Average earning assets | $163,058,000 | 3,508 |
| Average equity | $16,819,500 | 3,692 |
| Average total loans | $122,408,500 | 3,421 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0714% | 6,186 |
| Cost of funding earning assets | 1.9253% | 3,331 |
| Net interest margin | 3.1461% | 6,240 |
| Noninterest income to average assets | 0.4125% | 5,107 |
| Noninterest expense to average assets | 3.8079% | 1,684 |
| Loan and lease loss provision to assets | 0.7521% | 2,856 |
| Net operating income to assets | -1.3813% | 6,805 |
| Return on assets (ROA) | -1.3297% | 6,784 |
| Pretax return on assets | -1.3297% | 6,612 |
| Return on Equity (ROE) | -13.2103% | 6,842 |
| Retained earnings to average equity (ytd only) | -13.2103% | 6,770 |
| Net charge-offs to loans | 0.3130% | 4,673 |
| Credit loss provision to net charge-offs | 358.2456% | 895 |
| Earnings coverage of net charge-offs (x) | -2.9965% | 7,050 |
| Efficiency ratio | 119.7914% | 612 |
| Assets per employee ($millions) | 4.7339% | 2,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2673% | 4,954 |
| Loan loss allowance to noncurrent loans | 536.6197% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.1666% | 7,063 |
| Noncurrent loans to loans | 0.2362% | 6,842 |
| Net loans and leases to total assets | 69.6673% | 3,330 |
| Net loans and leases to deposits | 77.9504% | 4,385 |
| Net loans and leases to core deposits | 108.7682% | 3,027 |
| Total domestic deposits to total assets | 89.3739% | 1,279 |
| Equity capital to assets | 9.1093% | 4,976 |
| Core capital (leverage) ratio | 8.6733% | 4,970 |
| Tier 1 risk-based capital ratio | 11.3372% | 5,579 |
| Total risk-based capital ratio | 12.5004% | 5,619 |
| Memoranda: | ||
| Average total assets | $135,744,800 | 4,221 |
| Average earning assets | $119,355,000 | 4,329 |
| Average equity | $13,663,600 | 4,348 |
| Average total loans | $91,048,000 | 4,188 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 7,013 |
| Cost of funding earning assets | 2.0663% | 3,045 |
| Net interest margin | 2.7833% | 7,083 |
| Noninterest income to average assets | 0.3819% | 5,462 |
| Noninterest expense to average assets | 3.9272% | 1,386 |
| Loan and lease loss provision to assets | 0.8257% | 2,313 |
| Net operating income to assets | -1.9641% | 7,302 |
| Return on assets (ROA) | -1.9641% | 7,303 |
| Pretax return on assets | -1.9641% | 7,164 |
| Return on Equity (ROE) | -18.9108% | 7,337 |
| Retained earnings to average equity (ytd only) | -18.9108% | 7,302 |
| Net charge-offs to loans | 0.4330% | 3,514 |
| Credit loss provision to net charge-offs | 289.3382% | 1,439 |
| Earnings coverage of net charge-offs (x) | -3.9889% | 6,828 |
| Efficiency ratio | 140.8202% | 374 |
| Assets per employee ($millions) | 5.7806% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1807% | 5,219 |
| Loan loss allowance to noncurrent loans | 510.9804% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 7,171 |
| Noncurrent loans to loans | 0.2311% | 6,921 |
| Net loans and leases to total assets | 62.8835% | 5,089 |
| Net loans and leases to deposits | 71.0048% | 5,795 |
| Net loans and leases to core deposits | 91.1280% | 5,318 |
| Total domestic deposits to total assets | 88.5624% | 1,405 |
| Equity capital to assets | 8.9938% | 5,486 |
| Core capital (leverage) ratio | 8.5153% | 5,463 |
| Tier 1 risk-based capital ratio | 12.3172% | 4,688 |
| Total risk-based capital ratio | 13.4072% | 4,785 |
| Memoranda: | ||
| Average total assets | $127,076,000 | 4,424 |
| Average earning assets | $109,889,000 | 4,597 |
| Average equity | $13,198,500 | 4,488 |
| Average total loans | $83,747,250 | 4,425 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3751% | 7,734 |
| Cost of funding earning assets | 2.0294% | 3,629 |
| Net interest margin | 2.3456% | 7,633 |
| Noninterest income to average assets | 0.2007% | 6,856 |
| Noninterest expense to average assets | 3.8324% | 1,606 |
| Loan and lease loss provision to assets | 0.5357% | 2,890 |
| Net operating income to assets | -2.1339% | 7,462 |
| Return on assets (ROA) | -2.1339% | 7,458 |
| Pretax return on assets | -2.1339% | 7,324 |
| Return on Equity (ROE) | -19.2112% | 7,482 |
| Retained earnings to average equity (ytd only) | -19.2112% | 7,432 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 171.5317% | 279 |
| Assets per employee ($millions) | 5.7689% | 1,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 4,845 |
| Loan loss allowance to noncurrent loans | 222.7459% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.2820% | 6,771 |
| Noncurrent loans to loans | 0.5448% | 6,180 |
| Net loans and leases to total assets | 51.1334% | 6,771 |
| Net loans and leases to deposits | 56.6238% | 7,121 |
| Net loans and leases to core deposits | 81.8231% | 6,255 |
| Total domestic deposits to total assets | 90.3038% | 708 |
| Equity capital to assets | 8.2639% | 6,391 |
| Core capital (leverage) ratio | 9.0437% | 4,562 |
| Tier 1 risk-based capital ratio | 14.1046% | 3,455 |
| Total risk-based capital ratio | 15.1736% | 3,502 |
| Memoranda: | ||
| Average total assets | $111,628,330 | 4,836 |
| Average earning assets | $96,775,330 | 4,981 |
| Average equity | $12,399,000 | 4,712 |
| Average total loans | $74,878,000 | 4,778 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3271% | 7,838 |
| Cost of funding earning assets | 1.5504% | 6,234 |
| Net interest margin | 2.7767% | 7,040 |
| Noninterest income to average assets | 0.2324% | 6,607 |
| Noninterest expense to average assets | 4.1083% | 1,053 |
| Loan and lease loss provision to assets | 0.5933% | 2,122 |
| Net operating income to assets | -1.9281% | 7,639 |
| Return on assets (ROA) | -1.9281% | 7,641 |
| Pretax return on assets | -1.9281% | 7,515 |
| Return on Equity (ROE) | -13.6274% | 7,550 |
| Retained earnings to average equity (ytd only) | -13.6274% | 7,362 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 148.1283% | 364 |
| Assets per employee ($millions) | 4.0740% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2393% | 4,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 80.7317% | 1,247 |
| Net loans and leases to deposits | 96.9947% | 1,801 |
| Net loans and leases to core deposits | 110.4954% | 3,371 |
| Total domestic deposits to total assets | 83.2331% | 4,028 |
| Equity capital to assets | 13.4075% | 1,568 |
| Core capital (leverage) ratio | 15.0963% | 945 |
| Tier 1 risk-based capital ratio | 15.1584% | 2,991 |
| Total risk-based capital ratio | 16.3052% | 2,982 |
| Memoranda: | ||
| Average total assets | $80,909,000 | 5,790 |
| Average earning assets | $74,045,000 | 5,768 |
| Average equity | $11,447,500 | 4,996 |
| Average total loans | $67,526,000 | 5,072 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4842% | 8,035 |
| Cost of funding earning assets | 1.6858% | 7,293 |
| Net interest margin | 2.7984% | 7,334 |
| Noninterest income to average assets | 0.4026% | 5,450 |
| Noninterest expense to average assets | 6.5511% | 329 |
| Loan and lease loss provision to assets | 1.5852% | 833 |
| Net operating income to assets | -5.0872% | 8,092 |
| Return on assets (ROA) | -5.0872% | 8,084 |
| Pretax return on assets | -5.0872% | 8,036 |
| Return on Equity (ROE) | -18.6196% | 7,730 |
| Retained earnings to average equity (ytd only) | -18.6196% | 7,643 |
| Net charge-offs to loans | 0.0062% | 6,878 |
| Credit loss provision to net charge-offs | 34,650.0000% | 12 |
| Earnings coverage of net charge-offs (x) | -765.5000% | 7,033 |
| Efficiency ratio | 214.8537% | 179 |
| Assets per employee ($millions) | 3.4376% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2754% | 3,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 84.4963% | 810 |
| Net loans and leases to deposits | 104.5938% | 1,280 |
| Net loans and leases to core deposits | 117.8276% | 2,909 |
| Total domestic deposits to total assets | 80.7852% | 4,736 |
| Equity capital to assets | 15.0688% | 1,145 |
| Core capital (leverage) ratio | 17.2360% | 670 |
| Tier 1 risk-based capital ratio | 15.9234% | 2,696 |
| Total risk-based capital ratio | 17.0779% | 2,673 |
| Memoranda: | ||
| Average total assets | $43,717,600 | 7,040 |
| Average earning assets | $41,345,600 | 6,974 |
| Average equity | $11,944,400 | 4,843 |
| Average total loans | $32,445,600 | 6,584 |