Home > Libertyville Bank & Trust Company > Performance and Condition Ratios
Libertyville Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6069% | 1,028 |
| Cost of funding earning assets | 1.9798% | 940 |
| Net interest margin | 3.6271% | 1,910 |
| Noninterest income to average assets | 0.2100% | 3,699 |
| Noninterest expense to average assets | 1.2980% | 4,439 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.6877% | 749 |
| Return on assets (ROA) | 1.6887% | 715 |
| Pretax return on assets | 2.2688% | 451 |
| Return on Equity (ROE) | 19.1100% | 698 |
| Retained earnings to average equity (ytd only) | 12.3528% | 598 |
| Net charge-offs to loans | 0.0309% | 1,681 |
| Credit loss provision to net charge-offs | 475.0000% | 702 |
| Earnings coverage of net charge-offs (x) | 100.9473% | 899 |
| Efficiency ratio | 35.4577% | 4,445 |
| Assets per employee ($millions) | 29.2169% | 52 |
| Cash dividends to net income (ytd only)* | 35.3573% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8145% | 3,933 |
| Loan loss allowance to noncurrent loans | 920.6068% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 2,948 |
| Noncurrent loans to loans | 0.0885% | 3,100 |
| Net loans and leases to total assets | 75.3200% | 1,201 |
| Net loans and leases to deposits | 89.7426% | 1,290 |
| Net loans and leases to core deposits | 108.8412% | 1,003 |
| Total domestic deposits to total assets | 83.9300% | 2,644 |
| Equity capital to assets | 9.2715% | 2,498 |
| Core capital (leverage) ratio | 9.7233% | 3,046 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2903% | 2,498 |
| Memoranda: | ||
| Average total assets | $2,512,199,800 | 464 |
| Average earning assets | $2,390,065,400 | 444 |
| Average equity | $222,006,000 | 496 |
| Average total loans | $1,902,804,000 | 423 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4514% | 1,069 |
| Cost of funding earning assets | 1.8102% | 992 |
| Net interest margin | 3.6412% | 1,902 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 1.2501% | 4,464 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.7761% | 697 |
| Return on assets (ROA) | 1.7750% | 684 |
| Pretax return on assets | 2.3886% | 430 |
| Return on Equity (ROE) | 20.3500% | 690 |
| Retained earnings to average equity (ytd only) | 11.1409% | 1,139 |
| Net charge-offs to loans | 0.0409% | 1,304 |
| Credit loss provision to net charge-offs | 154.6713% | 1,302 |
| Earnings coverage of net charge-offs (x) | 77.9585% | 1,060 |
| Efficiency ratio | 34.1305% | 4,476 |
| Assets per employee ($millions) | 29.1257% | 51 |
| Cash dividends to net income (ytd only)* | 45.2461% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7056% | 4,130 |
| Loan loss allowance to noncurrent loans | 187.4043% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 1,724 |
| Noncurrent loans to loans | 0.3765% | 1,885 |
| Net loans and leases to total assets | 77.0600% | 985 |
| Net loans and leases to deposits | 91.2271% | 1,123 |
| Net loans and leases to core deposits | 115.6420% | 675 |
| Total domestic deposits to total assets | 84.4700% | 2,649 |
| Equity capital to assets | 8.3962% | 2,794 |
| Core capital (leverage) ratio | 9.5821% | 3,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5437% | 2,717 |
| Memoranda: | ||
| Average total assets | $2,490,174,250 | 468 |
| Average earning assets | $2,364,781,000 | 450 |
| Average equity | $217,235,750 | 502 |
| Average total loans | $1,884,846,750 | 427 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2946% | 1,088 |
| Cost of funding earning assets | 1.6054% | 1,052 |
| Net interest margin | 3.6891% | 1,839 |
| Noninterest income to average assets | 0.2100% | 3,710 |
| Noninterest expense to average assets | 1.2456% | 4,498 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.7983% | 660 |
| Return on assets (ROA) | 1.7989% | 659 |
| Pretax return on assets | 2.4049% | 400 |
| Return on Equity (ROE) | 20.3500% | 673 |
| Retained earnings to average equity (ytd only) | 6.5334% | 2,444 |
| Net charge-offs to loans | 0.0256% | 1,370 |
| Credit loss provision to net charge-offs | 215.2542% | 1,014 |
| Earnings coverage of net charge-offs (x) | 127.9534% | 814 |
| Efficiency ratio | 33.6242% | 4,509 |
| Assets per employee ($millions) | 27.9590% | 52 |
| Cash dividends to net income (ytd only)* | 67.8979% | 796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7314% | 4,128 |
| Loan loss allowance to noncurrent loans | 157.1809% | 2,869 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 1,367 |
| Noncurrent loans to loans | 0.4654% | 1,549 |
| Net loans and leases to total assets | 75.4800% | 1,106 |
| Net loans and leases to deposits | 90.8961% | 1,116 |
| Net loans and leases to core deposits | 115.2159% | 645 |
| Total domestic deposits to total assets | 83.0400% | 3,038 |
| Equity capital to assets | 8.4711% | 2,886 |
| Core capital (leverage) ratio | 9.4242% | 3,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4869% | 2,768 |
| Memoranda: | ||
| Average total assets | $2,456,171,000 | 464 |
| Average earning assets | $2,326,834,667 | 447 |
| Average equity | $217,099,333 | 494 |
| Average total loans | $1,842,554,000 | 420 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0470% | 1,145 |
| Cost of funding earning assets | 1.3825% | 1,057 |
| Net interest margin | 3.6644% | 1,987 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.2732% | 4,551 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.7818% | 697 |
| Return on assets (ROA) | 1.7855% | 686 |
| Pretax return on assets | 2.4136% | 401 |
| Return on Equity (ROE) | 19.7700% | 795 |
| Retained earnings to average equity (ytd only) | 19.7663% | 394 |
| Net charge-offs to loans | 0.0276% | 1,138 |
| Credit loss provision to net charge-offs | -112.9032% | 4,597 |
| Earnings coverage of net charge-offs (x) | 118.6452% | 712 |
| Efficiency ratio | 34.2921% | 4,566 |
| Assets per employee ($millions) | 27.1273% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7640% | 4,156 |
| Loan loss allowance to noncurrent loans | 163.2961% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 1,386 |
| Noncurrent loans to loans | 0.4678% | 1,547 |
| Net loans and leases to total assets | 74.0800% | 1,189 |
| Net loans and leases to deposits | 91.1133% | 969 |
| Net loans and leases to core deposits | 110.4104% | 691 |
| Total domestic deposits to total assets | 81.3100% | 3,587 |
| Equity capital to assets | 9.4532% | 2,180 |
| Core capital (leverage) ratio | 9.8072% | 2,879 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6677% | 2,512 |
| Memoranda: | ||
| Average total assets | $2,412,122,500 | 488 |
| Average earning assets | $2,278,124,000 | 465 |
| Average equity | $217,885,500 | 496 |
| Average total loans | $1,796,504,500 | 435 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5071% | 3,055 |
| Cost of funding earning assets | 0.4803% | 1,530 |
| Net interest margin | 3.0268% | 3,374 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 1.1476% | 4,623 |
| Loan and lease loss provision to assets | 0.1700% | 670 |
| Net operating income to assets | 1.3185% | 1,364 |
| Return on assets (ROA) | 1.3161% | 1,336 |
| Pretax return on assets | 1.7877% | 759 |
| Return on Equity (ROE) | 15.4000% | 1,162 |
| Retained earnings to average equity (ytd only) | 15.3956% | 262 |
| Net charge-offs to loans | -0.0050% | 3,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 36.8945% | 4,595 |
| Assets per employee ($millions) | 28.6711% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7804% | 4,074 |
| Loan loss allowance to noncurrent loans | 135.9727% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.4479% | 1,135 |
| Noncurrent loans to loans | 0.5739% | 1,295 |
| Net loans and leases to total assets | 73.7300% | 1,246 |
| Net loans and leases to deposits | 90.9911% | 984 |
| Net loans and leases to core deposits | 106.1024% | 742 |
| Total domestic deposits to total assets | 81.0300% | 3,750 |
| Equity capital to assets | 8.6212% | 2,615 |
| Core capital (leverage) ratio | 9.2927% | 3,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0222% | 2,727 |
| Memoranda: | ||
| Average total assets | $2,342,671,400 | 481 |
| Average earning assets | $2,244,792,800 | 455 |
| Average equity | $200,264,800 | 527 |
| Average total loans | $1,746,881,200 | 420 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1216% | 3,626 |
| Cost of funding earning assets | 0.3198% | 1,959 |
| Net interest margin | 2.8018% | 3,730 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.1268% | 4,652 |
| Loan and lease loss provision to assets | 0.2000% | 448 |
| Net operating income to assets | 1.1672% | 1,829 |
| Return on assets (ROA) | 1.1637% | 1,815 |
| Pretax return on assets | 1.5823% | 1,166 |
| Return on Equity (ROE) | 13.6400% | 1,527 |
| Retained earnings to average equity (ytd only) | 13.6434% | 520 |
| Net charge-offs to loans | -0.0100% | 3,716 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.7072% | 4,603 |
| Assets per employee ($millions) | 28.8562% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 4,128 |
| Loan loss allowance to noncurrent loans | 149.6589% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.3930% | 1,380 |
| Noncurrent loans to loans | 0.5229% | 1,493 |
| Net loans and leases to total assets | 74.5700% | 1,051 |
| Net loans and leases to deposits | 88.9553% | 967 |
| Net loans and leases to core deposits | 101.3094% | 769 |
| Total domestic deposits to total assets | 83.8300% | 3,537 |
| Equity capital to assets | 8.1653% | 2,784 |
| Core capital (leverage) ratio | 9.1292% | 3,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5357% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,319,078,750 | 483 |
| Average earning assets | $2,231,008,500 | 455 |
| Average equity | $197,805,250 | 535 |
| Average total loans | $1,730,861,250 | 419 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8257% | 3,935 |
| Cost of funding earning assets | 0.2504% | 2,261 |
| Net interest margin | 2.5753% | 3,952 |
| Noninterest income to average assets | 0.1959% | 4,020 |
| Noninterest expense to average assets | 1.1317% | 4,667 |
| Loan and lease loss provision to assets | 0.1200% | 828 |
| Net operating income to assets | 1.0522% | 1,964 |
| Return on assets (ROA) | 1.0504% | 1,946 |
| Pretax return on assets | 1.4253% | 1,373 |
| Return on Equity (ROE) | 12.1315% | 1,635 |
| Retained earnings to average equity (ytd only) | 12.1315% | 586 |
| Net charge-offs to loans | -0.0193% | 3,855 |
| Credit loss provision to net charge-offs | -948.7805% | 3,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2372% | 4,562 |
| Assets per employee ($millions) | 26.4734% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7351% | 4,276 |
| Loan loss allowance to noncurrent loans | 714.5276% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 3,208 |
| Noncurrent loans to loans | 0.1029% | 3,237 |
| Net loans and leases to total assets | 74.1479% | 904 |
| Net loans and leases to deposits | 87.2236% | 890 |
| Net loans and leases to core deposits | 97.7064% | 767 |
| Total domestic deposits to total assets | 85.0090% | 3,480 |
| Equity capital to assets | 8.4101% | 2,831 |
| Core capital (leverage) ratio | 9.0230% | 3,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3571% | 2,956 |
| Memoranda: | ||
| Average total assets | $2,284,132,000 | 486 |
| Average earning assets | $2,202,772,333 | 464 |
| Average equity | $197,766,667 | 537 |
| Average total loans | $1,700,547,333 | 417 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6761% | 3,990 |
| Cost of funding earning assets | 0.2503% | 2,159 |
| Net interest margin | 2.4258% | 4,024 |
| Noninterest income to average assets | 0.1870% | 4,036 |
| Noninterest expense to average assets | 1.1628% | 4,678 |
| Loan and lease loss provision to assets | 0.1317% | 621 |
| Net operating income to assets | 0.9111% | 2,240 |
| Return on assets (ROA) | 0.9130% | 2,236 |
| Pretax return on assets | 1.2344% | 1,695 |
| Return on Equity (ROE) | 10.3858% | 1,826 |
| Retained earnings to average equity (ytd only) | 10.3858% | 933 |
| Net charge-offs to loans | -0.0101% | 3,591 |
| Credit loss provision to net charge-offs | -1,957.1429% | 3,385 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0225% | 4,495 |
| Assets per employee ($millions) | 27.2979% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 4,342 |
| Loan loss allowance to noncurrent loans | 822.8129% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 3,396 |
| Noncurrent loans to loans | 0.0886% | 3,395 |
| Net loans and leases to total assets | 74.3670% | 636 |
| Net loans and leases to deposits | 88.4167% | 599 |
| Net loans and leases to core deposits | 101.4648% | 456 |
| Total domestic deposits to total assets | 84.1097% | 3,745 |
| Equity capital to assets | 8.7552% | 2,926 |
| Core capital (leverage) ratio | 8.8558% | 3,504 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4013% | 2,995 |
| Memoranda: | ||
| Average total assets | $2,234,895,500 | 502 |
| Average earning assets | $2,155,517,000 | 480 |
| Average equity | $196,460,500 | 558 |
| Average total loans | $1,660,954,000 | 427 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6905% | 4,321 |
| Cost of funding earning assets | 0.3359% | 2,063 |
| Net interest margin | 2.3546% | 4,363 |
| Noninterest income to average assets | 0.2452% | 3,904 |
| Noninterest expense to average assets | 1.2300% | 4,703 |
| Loan and lease loss provision to assets | -0.1756% | 4,664 |
| Net operating income to assets | 1.0800% | 2,368 |
| Return on assets (ROA) | 1.0786% | 2,448 |
| Pretax return on assets | 1.4545% | 1,864 |
| Return on Equity (ROE) | 12.3706% | 1,689 |
| Retained earnings to average equity (ytd only) | 12.3706% | 491 |
| Net charge-offs to loans | 0.0059% | 2,367 |
| Credit loss provision to net charge-offs | -3,434.7368% | 4,122 |
| Earnings coverage of net charge-offs (x) | 287.7158% | 425 |
| Efficiency ratio | 48.9913% | 4,350 |
| Assets per employee ($millions) | 27.5477% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6907% | 4,441 |
| Loan loss allowance to noncurrent loans | 560.5821% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.0908% | 3,303 |
| Noncurrent loans to loans | 0.1232% | 3,315 |
| Net loans and leases to total assets | 73.2138% | 732 |
| Net loans and leases to deposits | 87.0330% | 715 |
| Net loans and leases to core deposits | 98.2755% | 600 |
| Total domestic deposits to total assets | 84.1220% | 3,527 |
| Equity capital to assets | 8.8261% | 3,782 |
| Core capital (leverage) ratio | 8.5246% | 3,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3451% | 3,012 |
| Memoranda: | ||
| Average total assets | $2,134,328,600 | 499 |
| Average earning assets | $2,053,444,000 | 478 |
| Average equity | $186,094,000 | 582 |
| Average total loans | $1,600,730,200 | 443 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7031% | 4,404 |
| Cost of funding earning assets | 0.3591% | 2,034 |
| Net interest margin | 2.3440% | 4,450 |
| Noninterest income to average assets | 0.2438% | 3,934 |
| Noninterest expense to average assets | 1.2313% | 4,780 |
| Loan and lease loss provision to assets | -0.2542% | 4,799 |
| Net operating income to assets | 1.1288% | 2,441 |
| Return on assets (ROA) | 1.1276% | 2,512 |
| Pretax return on assets | 1.5181% | 1,948 |
| Return on Equity (ROE) | 12.9744% | 1,699 |
| Retained earnings to average equity (ytd only) | 12.9744% | 647 |
| Net charge-offs to loans | -0.0041% | 3,381 |
| Credit loss provision to net charge-offs | 7,240.8163% | 110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3142% | 4,276 |
| Assets per employee ($millions) | 27.7687% | 55 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6853% | 4,525 |
| Loan loss allowance to noncurrent loans | 414.7081% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 3,317 |
| Noncurrent loans to loans | 0.1653% | 3,294 |
| Net loans and leases to total assets | 72.3028% | 845 |
| Net loans and leases to deposits | 85.6727% | 848 |
| Net loans and leases to core deposits | 96.7594% | 712 |
| Total domestic deposits to total assets | 84.3942% | 3,337 |
| Equity capital to assets | 8.5233% | 4,194 |
| Core capital (leverage) ratio | 8.5274% | 3,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2745% | 3,065 |
| Memoranda: | ||
| Average total assets | $2,110,070,250 | 507 |
| Average earning assets | $2,028,287,500 | 487 |
| Average equity | $183,382,000 | 598 |
| Average total loans | $1,589,655,500 | 450 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7299% | 4,425 |
| Cost of funding earning assets | 0.3884% | 1,984 |
| Net interest margin | 2.3415% | 4,472 |
| Noninterest income to average assets | 0.2288% | 4,028 |
| Noninterest expense to average assets | 1.2488% | 4,805 |
| Loan and lease loss provision to assets | -0.4203% | 4,889 |
| Net operating income to assets | 1.2253% | 2,095 |
| Return on assets (ROA) | 1.2238% | 2,171 |
| Pretax return on assets | 1.6473% | 1,620 |
| Return on Equity (ROE) | 13.9841% | 1,416 |
| Retained earnings to average equity (ytd only) | 13.9841% | 546 |
| Net charge-offs to loans | -0.0100% | 3,669 |
| Credit loss provision to net charge-offs | 4,672.1519% | 152 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4049% | 4,203 |
| Assets per employee ($millions) | 24.8288% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6910% | 4,548 |
| Loan loss allowance to noncurrent loans | 458.4812% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1122% | 3,480 |
| Noncurrent loans to loans | 0.1507% | 3,447 |
| Net loans and leases to total assets | 73.9142% | 763 |
| Net loans and leases to deposits | 88.0515% | 773 |
| Net loans and leases to core deposits | 101.9400% | 592 |
| Total domestic deposits to total assets | 83.9443% | 3,460 |
| Equity capital to assets | 8.6479% | 4,092 |
| Core capital (leverage) ratio | 8.5863% | 3,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4881% | 3,039 |
| Memoranda: | ||
| Average total assets | $2,063,671,333 | 515 |
| Average earning assets | $1,981,973,667 | 497 |
| Average equity | $180,605,333 | 600 |
| Average total loans | $1,573,705,667 | 457 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7048% | 4,472 |
| Cost of funding earning assets | 0.4185% | 1,947 |
| Net interest margin | 2.2863% | 4,539 |
| Noninterest income to average assets | 0.1826% | 4,282 |
| Noninterest expense to average assets | 1.2609% | 4,841 |
| Loan and lease loss provision to assets | -0.4866% | 4,915 |
| Net operating income to assets | 1.1944% | 2,169 |
| Return on assets (ROA) | 1.1908% | 2,254 |
| Pretax return on assets | 1.5984% | 1,729 |
| Return on Equity (ROE) | 13.5206% | 1,533 |
| Retained earnings to average equity (ytd only) | 13.5206% | 812 |
| Net charge-offs to loans | 0.0095% | 1,576 |
| Credit loss provision to net charge-offs | -4,148.6486% | 3,689 |
| Earnings coverage of net charge-offs (x) | 152.0270% | 486 |
| Efficiency ratio | 53.0389% | 3,908 |
| Assets per employee ($millions) | 22.1061% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8277% | 4,349 |
| Loan loss allowance to noncurrent loans | 401.3736% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 3,355 |
| Noncurrent loans to loans | 0.2062% | 3,367 |
| Net loans and leases to total assets | 77.4663% | 498 |
| Net loans and leases to deposits | 92.9888% | 545 |
| Net loans and leases to core deposits | 108.3549% | 453 |
| Total domestic deposits to total assets | 83.3071% | 3,615 |
| Equity capital to assets | 8.8462% | 3,836 |
| Core capital (leverage) ratio | 8.6105% | 4,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3713% | 3,030 |
| Memoranda: | ||
| Average total assets | $2,015,454,500 | 516 |
| Average earning assets | $1,934,649,000 | 498 |
| Average equity | $177,506,500 | 606 |
| Average total loans | $1,556,692,000 | 467 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0870% | 4,577 |
| Cost of funding earning assets | 0.6346% | 2,091 |
| Net interest margin | 2.4524% | 4,628 |
| Noninterest income to average assets | 0.1516% | 4,537 |
| Noninterest expense to average assets | 1.3256% | 4,865 |
| Loan and lease loss provision to assets | 0.3974% | 797 |
| Net operating income to assets | 0.5853% | 3,800 |
| Return on assets (ROA) | 0.5865% | 3,900 |
| Pretax return on assets | 0.7787% | 3,682 |
| Return on Equity (ROE) | 6.6280% | 3,359 |
| Retained earnings to average equity (ytd only) | 1.3444% | 4,092 |
| Net charge-offs to loans | 0.0095% | 2,980 |
| Credit loss provision to net charge-offs | 5,544.2029% | 193 |
| Earnings coverage of net charge-offs (x) | 163.8551% | 533 |
| Efficiency ratio | 53.0189% | 4,307 |
| Assets per employee ($millions) | 20.3790% | 87 |
| Cash dividends to net income (ytd only)* | 79.7166% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 3,988 |
| Loan loss allowance to noncurrent loans | 386.2766% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.1908% | 3,326 |
| Noncurrent loans to loans | 0.2499% | 3,301 |
| Net loans and leases to total assets | 75.6095% | 830 |
| Net loans and leases to deposits | 91.0299% | 848 |
| Net loans and leases to core deposits | 104.7218% | 698 |
| Total domestic deposits to total assets | 83.0601% | 3,393 |
| Equity capital to assets | 8.7677% | 4,245 |
| Core capital (leverage) ratio | 8.4794% | 4,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4208% | 3,039 |
| Memoranda: | ||
| Average total assets | $1,925,046,800 | 486 |
| Average earning assets | $1,843,599,600 | 476 |
| Average equity | $170,337,000 | 598 |
| Average total loans | $1,454,518,000 | 460 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1907% | 4,601 |
| Cost of funding earning assets | 0.6865% | 2,111 |
| Net interest margin | 2.5041% | 4,655 |
| Noninterest income to average assets | 0.1498% | 4,553 |
| Noninterest expense to average assets | 1.3315% | 4,896 |
| Loan and lease loss provision to assets | 0.5401% | 515 |
| Net operating income to assets | 0.5061% | 4,012 |
| Return on assets (ROA) | 0.5079% | 4,103 |
| Pretax return on assets | 0.6775% | 3,948 |
| Return on Equity (ROE) | 5.7267% | 3,649 |
| Retained earnings to average equity (ytd only) | -1.3676% | 4,648 |
| Net charge-offs to loans | 0.0024% | 3,097 |
| Credit loss provision to net charge-offs | 29,711.5385% | 38 |
| Earnings coverage of net charge-offs (x) | 668.5385% | 181 |
| Efficiency ratio | 52.2813% | 4,319 |
| Assets per employee ($millions) | 20.8595% | 78 |
| Cash dividends to net income (ytd only)* | 123.8816% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9840% | 3,767 |
| Loan loss allowance to noncurrent loans | 283.6187% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 3,144 |
| Noncurrent loans to loans | 0.3469% | 3,043 |
| Net loans and leases to total assets | 73.3800% | 1,445 |
| Net loans and leases to deposits | 87.7684% | 1,510 |
| Net loans and leases to core deposits | 100.1066% | 1,157 |
| Total domestic deposits to total assets | 83.6063% | 2,952 |
| Equity capital to assets | 8.3421% | 4,550 |
| Core capital (leverage) ratio | 8.2227% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6132% | 3,006 |
| Memoranda: | ||
| Average total assets | $1,907,022,500 | 484 |
| Average earning assets | $1,825,358,250 | 472 |
| Average equity | $169,145,500 | 593 |
| Average total loans | $1,436,959,500 | 458 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3722% | 4,568 |
| Cost of funding earning assets | 0.7573% | 2,069 |
| Net interest margin | 2.6148% | 4,641 |
| Noninterest income to average assets | 0.1685% | 4,449 |
| Noninterest expense to average assets | 1.3409% | 4,927 |
| Loan and lease loss provision to assets | 0.6315% | 485 |
| Net operating income to assets | 0.5258% | 3,941 |
| Return on assets (ROA) | 0.5286% | 4,019 |
| Pretax return on assets | 0.7027% | 3,864 |
| Return on Equity (ROE) | 5.8322% | 3,569 |
| Retained earnings to average equity (ytd only) | -4.8386% | 4,765 |
| Net charge-offs to loans | -0.0035% | 3,916 |
| Credit loss provision to net charge-offs | -23,508.0000% | 4,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1910% | 4,493 |
| Assets per employee ($millions) | 20.9456% | 75 |
| Cash dividends to net income (ytd only)* | 182.9640% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8713% | 4,120 |
| Loan loss allowance to noncurrent loans | 206.2618% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3035% | 3,097 |
| Noncurrent loans to loans | 0.4224% | 2,895 |
| Net loans and leases to total assets | 71.2075% | 1,841 |
| Net loans and leases to deposits | 84.7473% | 1,918 |
| Net loans and leases to core deposits | 97.3445% | 1,470 |
| Total domestic deposits to total assets | 84.0233% | 2,740 |
| Equity capital to assets | 8.0428% | 4,698 |
| Core capital (leverage) ratio | 8.3373% | 4,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3182% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,861,286,667 | 490 |
| Average earning assets | $1,781,752,333 | 474 |
| Average equity | $168,683,667 | 590 |
| Average total loans | $1,410,958,667 | 459 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7126% | 4,373 |
| Cost of funding earning assets | 0.8645% | 2,034 |
| Net interest margin | 2.8481% | 4,504 |
| Noninterest income to average assets | 0.1777% | 4,480 |
| Noninterest expense to average assets | 1.3667% | 4,978 |
| Loan and lease loss provision to assets | 0.2859% | 1,087 |
| Net operating income to assets | 0.9287% | 2,422 |
| Return on assets (ROA) | 0.9327% | 2,517 |
| Pretax return on assets | 1.2463% | 2,045 |
| Return on Equity (ROE) | 9.6401% | 1,862 |
| Retained earnings to average equity (ytd only) | -11.6875% | 4,818 |
| Net charge-offs to loans | -0.0167% | 4,266 |
| Credit loss provision to net charge-offs | -2,187.7193% | 3,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2271% | 4,789 |
| Assets per employee ($millions) | 18.1986% | 85 |
| Cash dividends to net income (ytd only)* | 221.2389% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6217% | 4,728 |
| Loan loss allowance to noncurrent loans | 183.7651% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2571% | 3,421 |
| Noncurrent loans to loans | 0.3383% | 3,282 |
| Net loans and leases to total assets | 75.5215% | 1,383 |
| Net loans and leases to deposits | 92.2645% | 1,251 |
| Net loans and leases to core deposits | 109.0891% | 899 |
| Total domestic deposits to total assets | 81.8532% | 3,457 |
| Equity capital to assets | 9.2770% | 4,413 |
| Core capital (leverage) ratio | 9.4289% | 4,061 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3174% | 3,272 |
| Memoranda: | ||
| Average total assets | $1,744,651,500 | 511 |
| Average earning assets | $1,663,850,500 | 490 |
| Average equity | $168,795,500 | 585 |
| Average total loans | $1,364,142,000 | 460 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 3,727 |
| Cost of funding earning assets | 0.9237% | 2,093 |
| Net interest margin | 3.3071% | 3,974 |
| Noninterest income to average assets | 0.1963% | 4,485 |
| Noninterest expense to average assets | 1.4495% | 5,021 |
| Loan and lease loss provision to assets | 0.0245% | 3,529 |
| Net operating income to assets | 1.4143% | 1,296 |
| Return on assets (ROA) | 1.4184% | 1,357 |
| Pretax return on assets | 1.8874% | 766 |
| Return on Equity (ROE) | 14.2162% | 859 |
| Retained earnings to average equity (ytd only) | 7.3806% | 1,215 |
| Net charge-offs to loans | 0.0418% | 2,554 |
| Credit loss provision to net charge-offs | 73.5568% | 2,869 |
| Earnings coverage of net charge-offs (x) | 57.2663% | 1,012 |
| Efficiency ratio | 43.1886% | 5,005 |
| Assets per employee ($millions) | 16.8765% | 98 |
| Cash dividends to net income (ytd only)* | 48.0832% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6119% | 4,722 |
| Loan loss allowance to noncurrent loans | 167.2903% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 3,132 |
| Noncurrent loans to loans | 0.3657% | 3,140 |
| Net loans and leases to total assets | 80.0415% | 786 |
| Net loans and leases to deposits | 95.9709% | 945 |
| Net loans and leases to core deposits | 111.2566% | 787 |
| Total domestic deposits to total assets | 83.4018% | 3,069 |
| Equity capital to assets | 10.1000% | 3,835 |
| Core capital (leverage) ratio | 9.9529% | 3,566 |
| Tier 1 risk-based capital ratio | 11.0871% | 4,823 |
| Total risk-based capital ratio | 11.6507% | 4,985 |
| Memoranda: | ||
| Average total assets | $1,612,848,200 | 525 |
| Average earning assets | $1,541,026,600 | 497 |
| Average equity | $160,921,800 | 583 |
| Average total loans | $1,284,476,800 | 471 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2914% | 3,677 |
| Cost of funding earning assets | 0.9262% | 2,107 |
| Net interest margin | 3.3652% | 3,949 |
| Noninterest income to average assets | 0.1850% | 4,615 |
| Noninterest expense to average assets | 1.4564% | 5,091 |
| Loan and lease loss provision to assets | 0.0196% | 3,516 |
| Net operating income to assets | 1.4467% | 1,339 |
| Return on assets (ROA) | 1.4526% | 1,380 |
| Pretax return on assets | 1.9318% | 802 |
| Return on Equity (ROE) | 14.6063% | 867 |
| Retained earnings to average equity (ytd only) | 5.3554% | 2,704 |
| Net charge-offs to loans | 0.0599% | 1,961 |
| Credit loss provision to net charge-offs | 41.1248% | 2,851 |
| Earnings coverage of net charge-offs (x) | 40.8470% | 1,361 |
| Efficiency ratio | 42.8311% | 5,049 |
| Assets per employee ($millions) | 17.0165% | 90 |
| Cash dividends to net income (ytd only)* | 63.3349% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6074% | 4,804 |
| Loan loss allowance to noncurrent loans | 133.8386% | 2,818 |
| Noncurrent assets plus other real estate owned to assets | 0.3929% | 2,940 |
| Noncurrent loans to loans | 0.4538% | 2,947 |
| Net loans and leases to total assets | 78.9173% | 1,002 |
| Net loans and leases to deposits | 93.3803% | 1,282 |
| Net loans and leases to core deposits | 107.8251% | 1,065 |
| Total domestic deposits to total assets | 84.5118% | 2,623 |
| Equity capital to assets | 9.7822% | 4,225 |
| Core capital (leverage) ratio | 9.7596% | 3,898 |
| Tier 1 risk-based capital ratio | 10.8986% | 4,956 |
| Total risk-based capital ratio | 11.4587% | 5,075 |
| Memoranda: | ||
| Average total assets | $1,594,149,000 | 531 |
| Average earning assets | $1,523,134,000 | 506 |
| Average equity | $158,539,250 | 590 |
| Average total loans | $1,265,812,750 | 478 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 3,644 |
| Cost of funding earning assets | 0.9038% | 2,120 |
| Net interest margin | 3.3921% | 3,920 |
| Noninterest income to average assets | 0.1870% | 4,636 |
| Noninterest expense to average assets | 1.4802% | 5,128 |
| Loan and lease loss provision to assets | -0.0279% | 5,146 |
| Net operating income to assets | 1.4885% | 1,179 |
| Return on assets (ROA) | 1.4935% | 1,214 |
| Pretax return on assets | 1.9848% | 693 |
| Return on Equity (ROE) | 14.9296% | 774 |
| Retained earnings to average equity (ytd only) | 0.8680% | 4,471 |
| Net charge-offs to loans | 0.1074% | 1,328 |
| Credit loss provision to net charge-offs | -32.6837% | 3,793 |
| Earnings coverage of net charge-offs (x) | 22.8696% | 1,674 |
| Efficiency ratio | 43.1436% | 5,092 |
| Assets per employee ($millions) | 14.5214% | 114 |
| Cash dividends to net income (ytd only)* | 94.1861% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6024% | 4,870 |
| Loan loss allowance to noncurrent loans | 146.2444% | 2,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 3,143 |
| Noncurrent loans to loans | 0.4119% | 3,057 |
| Net loans and leases to total assets | 78.2375% | 1,177 |
| Net loans and leases to deposits | 91.5787% | 1,539 |
| Net loans and leases to core deposits | 106.9087% | 1,180 |
| Total domestic deposits to total assets | 85.4320% | 2,292 |
| Equity capital to assets | 9.9299% | 4,027 |
| Core capital (leverage) ratio | 9.8537% | 3,754 |
| Tier 1 risk-based capital ratio | 11.0464% | 4,887 |
| Total risk-based capital ratio | 11.5954% | 5,074 |
| Memoranda: | ||
| Average total assets | $1,563,988,000 | 538 |
| Average earning assets | $1,495,662,330 | 515 |
| Average equity | $156,454,330 | 593 |
| Average total loans | $1,241,887,000 | 485 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 3,512 |
| Cost of funding earning assets | 0.8695% | 2,160 |
| Net interest margin | 3.4469% | 3,757 |
| Noninterest income to average assets | 0.1835% | 4,652 |
| Noninterest expense to average assets | 1.5162% | 5,159 |
| Loan and lease loss provision to assets | 0.0243% | 3,112 |
| Net operating income to assets | 1.4702% | 1,179 |
| Return on assets (ROA) | 1.4733% | 1,196 |
| Pretax return on assets | 1.9417% | 718 |
| Return on Equity (ROE) | 14.6717% | 823 |
| Retained earnings to average equity (ytd only) | -5.9238% | 4,971 |
| Net charge-offs to loans | 0.2340% | 614 |
| Credit loss provision to net charge-offs | 13.0194% | 2,169 |
| Earnings coverage of net charge-offs (x) | 10.5125% | 1,959 |
| Efficiency ratio | 43.5897% | 5,115 |
| Assets per employee ($millions) | 16.0818% | 88 |
| Cash dividends to net income (ytd only)* | 140.3755% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 4,887 |
| Loan loss allowance to noncurrent loans | 170.6100% | 2,435 |
| Noncurrent assets plus other real estate owned to assets | 0.3424% | 3,234 |
| Noncurrent loans to loans | 0.3680% | 3,263 |
| Net loans and leases to total assets | 78.6397% | 1,049 |
| Net loans and leases to deposits | 92.0613% | 1,391 |
| Net loans and leases to core deposits | 107.9780% | 1,052 |
| Total domestic deposits to total assets | 85.4210% | 2,518 |
| Equity capital to assets | 9.8401% | 3,978 |
| Core capital (leverage) ratio | 9.7868% | 3,828 |
| Tier 1 risk-based capital ratio | 10.8431% | 5,048 |
| Total risk-based capital ratio | 11.4112% | 5,204 |
| Memoranda: | ||
| Average total assets | $1,547,304,500 | 541 |
| Average earning assets | $1,479,010,000 | 521 |
| Average equity | $155,374,000 | 590 |
| Average total loans | $1,234,178,000 | 491 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,925 |
| Cost of funding earning assets | 0.6996% | 2,095 |
| Net interest margin | 3.3361% | 4,163 |
| Noninterest income to average assets | 0.1914% | 4,758 |
| Noninterest expense to average assets | 1.5389% | 5,204 |
| Loan and lease loss provision to assets | 0.1410% | 1,525 |
| Net operating income to assets | 1.3008% | 1,797 |
| Return on assets (ROA) | 1.2993% | 1,793 |
| Pretax return on assets | 1.6931% | 1,184 |
| Return on Equity (ROE) | 13.2676% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.5824% | 274 |
| Net charge-offs to loans | 0.0839% | 1,940 |
| Credit loss provision to net charge-offs | 210.9438% | 1,372 |
| Earnings coverage of net charge-offs (x) | 27.4719% | 1,687 |
| Efficiency ratio | 45.5991% | 5,129 |
| Assets per employee ($millions) | 14.4628% | 112 |
| Cash dividends to net income (ytd only)* | 5.1640% | 3,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6928% | 4,813 |
| Loan loss allowance to noncurrent loans | 174.7934% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 3,064 |
| Noncurrent loans to loans | 0.3963% | 3,109 |
| Net loans and leases to total assets | 79.8562% | 962 |
| Net loans and leases to deposits | 92.1063% | 1,540 |
| Net loans and leases to core deposits | 104.0866% | 1,407 |
| Total domestic deposits to total assets | 86.7001% | 1,915 |
| Equity capital to assets | 10.2507% | 3,424 |
| Core capital (leverage) ratio | 10.0292% | 3,542 |
| Tier 1 risk-based capital ratio | 11.3069% | 4,806 |
| Total risk-based capital ratio | 11.9363% | 5,011 |
| Memoranda: | ||
| Average total assets | $1,490,374,600 | 546 |
| Average earning assets | $1,422,141,600 | 523 |
| Average equity | $145,957,600 | 593 |
| Average total loans | $1,186,556,200 | 489 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9386% | 4,111 |
| Cost of funding earning assets | 0.6432% | 2,185 |
| Net interest margin | 3.2954% | 4,289 |
| Noninterest income to average assets | 0.1925% | 4,820 |
| Noninterest expense to average assets | 1.5098% | 5,272 |
| Loan and lease loss provision to assets | 0.1748% | 1,054 |
| Net operating income to assets | 1.2627% | 1,987 |
| Return on assets (ROA) | 1.2599% | 2,007 |
| Pretax return on assets | 1.6489% | 1,422 |
| Return on Equity (ROE) | 13.0208% | 1,425 |
| Retained earnings to average equity (ytd only) | 12.0919% | 468 |
| Net charge-offs to loans | 0.0377% | 2,325 |
| Credit loss provision to net charge-offs | 584.0841% | 611 |
| Earnings coverage of net charge-offs (x) | 61.0449% | 1,052 |
| Efficiency ratio | 45.2444% | 5,177 |
| Assets per employee ($millions) | 14.7565% | 103 |
| Cash dividends to net income (ytd only)* | 7.1342% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 4,843 |
| Loan loss allowance to noncurrent loans | 127.6623% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 2,875 |
| Noncurrent loans to loans | 0.5617% | 2,695 |
| Net loans and leases to total assets | 80.1332% | 999 |
| Net loans and leases to deposits | 93.1461% | 1,486 |
| Net loans and leases to core deposits | 113.5829% | 840 |
| Total domestic deposits to total assets | 86.0296% | 2,177 |
| Equity capital to assets | 9.6206% | 3,978 |
| Core capital (leverage) ratio | 9.7738% | 3,872 |
| Tier 1 risk-based capital ratio | 10.7813% | 5,140 |
| Total risk-based capital ratio | 11.4407% | 5,262 |
| Memoranda: | ||
| Average total assets | $1,483,320,000 | 544 |
| Average earning assets | $1,415,376,000 | 520 |
| Average equity | $143,530,500 | 601 |
| Average total loans | $1,177,907,500 | 488 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 4,272 |
| Cost of funding earning assets | 0.5657% | 2,472 |
| Net interest margin | 3.2642% | 4,345 |
| Noninterest income to average assets | 0.1887% | 4,882 |
| Noninterest expense to average assets | 1.5229% | 5,325 |
| Loan and lease loss provision to assets | 0.2000% | 859 |
| Net operating income to assets | 1.2059% | 2,172 |
| Return on assets (ROA) | 1.2026% | 2,186 |
| Pretax return on assets | 1.5760% | 1,579 |
| Return on Equity (ROE) | 12.4035% | 1,584 |
| Retained earnings to average equity (ytd only) | 12.4035% | 465 |
| Net charge-offs to loans | 0.0218% | 2,445 |
| Credit loss provision to net charge-offs | 1,159.5238% | 362 |
| Earnings coverage of net charge-offs (x) | 103.2222% | 684 |
| Efficiency ratio | 46.1070% | 5,203 |
| Assets per employee ($millions) | 14.2258% | 114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7266% | 4,874 |
| Loan loss allowance to noncurrent loans | 104.6862% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 0.6145% | 2,383 |
| Noncurrent loans to loans | 0.6941% | 2,371 |
| Net loans and leases to total assets | 78.7348% | 1,198 |
| Net loans and leases to deposits | 91.3431% | 1,667 |
| Net loans and leases to core deposits | 126.6916% | 394 |
| Total domestic deposits to total assets | 86.1967% | 2,191 |
| Equity capital to assets | 9.6525% | 3,964 |
| Core capital (leverage) ratio | 9.7670% | 3,822 |
| Tier 1 risk-based capital ratio | 10.7340% | 5,177 |
| Total risk-based capital ratio | 11.3895% | 5,322 |
| Memoranda: | ||
| Average total assets | $1,461,281,000 | 550 |
| Average earning assets | $1,394,136,000 | 526 |
| Average equity | $141,685,670 | 604 |
| Average total loans | $1,153,683,330 | 496 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7136% | 4,438 |
| Cost of funding earning assets | 0.5193% | 2,642 |
| Net interest margin | 3.1942% | 4,484 |
| Noninterest income to average assets | 0.1936% | 4,856 |
| Noninterest expense to average assets | 1.5038% | 5,393 |
| Loan and lease loss provision to assets | 0.1797% | 957 |
| Net operating income to assets | 1.1855% | 2,073 |
| Return on assets (ROA) | 1.1811% | 2,100 |
| Pretax return on assets | 1.5536% | 1,515 |
| Return on Equity (ROE) | 12.1530% | 1,525 |
| Retained earnings to average equity (ytd only) | 12.1530% | 657 |
| Net charge-offs to loans | 0.0304% | 1,888 |
| Credit loss provision to net charge-offs | 751.1628% | 435 |
| Earnings coverage of net charge-offs (x) | 72.6860% | 748 |
| Efficiency ratio | 46.3756% | 5,253 |
| Assets per employee ($millions) | 14.7790% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6817% | 5,064 |
| Loan loss allowance to noncurrent loans | 135.7106% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4514% | 3,040 |
| Noncurrent loans to loans | 0.5023% | 3,006 |
| Net loans and leases to total assets | 77.2628% | 1,348 |
| Net loans and leases to deposits | 93.5110% | 1,278 |
| Net loans and leases to core deposits | 123.7729% | 476 |
| Total domestic deposits to total assets | 82.6243% | 3,780 |
| Equity capital to assets | 9.4615% | 4,126 |
| Core capital (leverage) ratio | 9.7704% | 3,786 |
| Tier 1 risk-based capital ratio | 10.6588% | 5,298 |
| Total risk-based capital ratio | 11.2720% | 5,438 |
| Memoranda: | ||
| Average total assets | $1,437,953,500 | 559 |
| Average earning assets | $1,372,594,000 | 539 |
| Average equity | $139,752,000 | 616 |
| Average total loans | $1,132,545,000 | 507 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 4,677 |
| Cost of funding earning assets | 0.3753% | 3,466 |
| Net interest margin | 3.1819% | 4,493 |
| Noninterest income to average assets | 0.1829% | 5,039 |
| Noninterest expense to average assets | 1.6276% | 5,389 |
| Loan and lease loss provision to assets | 0.1969% | 1,059 |
| Net operating income to assets | 0.8633% | 2,902 |
| Return on assets (ROA) | 0.8633% | 2,922 |
| Pretax return on assets | 1.3861% | 2,038 |
| Return on Equity (ROE) | 8.7308% | 2,437 |
| Retained earnings to average equity (ytd only) | 5.7261% | 1,692 |
| Net charge-offs to loans | 0.2274% | 1,137 |
| Credit loss provision to net charge-offs | 109.3196% | 2,385 |
| Earnings coverage of net charge-offs (x) | 8.7889% | 2,862 |
| Efficiency ratio | 50.6940% | 5,186 |
| Assets per employee ($millions) | 13.6953% | 124 |
| Cash dividends to net income (ytd only)* | 34.4145% | 3,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6664% | 5,129 |
| Loan loss allowance to noncurrent loans | 129.4387% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 2,959 |
| Noncurrent loans to loans | 0.5148% | 2,973 |
| Net loans and leases to total assets | 79.2734% | 1,070 |
| Net loans and leases to deposits | 91.1272% | 1,635 |
| Net loans and leases to core deposits | 119.7254% | 595 |
| Total domestic deposits to total assets | 86.9921% | 2,001 |
| Equity capital to assets | 9.9965% | 3,713 |
| Core capital (leverage) ratio | 9.8174% | 3,679 |
| Tier 1 risk-based capital ratio | 10.7761% | 5,261 |
| Total risk-based capital ratio | 11.3709% | 5,438 |
| Memoranda: | ||
| Average total assets | $1,346,349,000 | 573 |
| Average earning assets | $1,281,101,400 | 551 |
| Average equity | $133,126,400 | 615 |
| Average total loans | $1,066,349,000 | 505 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5147% | 4,776 |
| Cost of funding earning assets | 0.3468% | 3,704 |
| Net interest margin | 3.1679% | 4,541 |
| Noninterest income to average assets | 0.1703% | 5,168 |
| Noninterest expense to average assets | 1.6281% | 5,427 |
| Loan and lease loss provision to assets | 0.1849% | 1,067 |
| Net operating income to assets | 0.8978% | 3,040 |
| Return on assets (ROA) | 0.8978% | 3,095 |
| Pretax return on assets | 1.3694% | 2,223 |
| Return on Equity (ROE) | 9.1058% | 2,548 |
| Retained earnings to average equity (ytd only) | 5.0606% | 2,849 |
| Net charge-offs to loans | 0.1494% | 1,346 |
| Credit loss provision to net charge-offs | 156.5878% | 1,633 |
| Earnings coverage of net charge-offs (x) | 13.1647% | 2,368 |
| Efficiency ratio | 51.1609% | 5,168 |
| Assets per employee ($millions) | 13.6043% | 119 |
| Cash dividends to net income (ytd only)* | 44.4247% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7103% | 5,118 |
| Loan loss allowance to noncurrent loans | 137.7958% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.5270% | 2,952 |
| Noncurrent loans to loans | 0.5154% | 3,156 |
| Net loans and leases to total assets | 79.3762% | 1,072 |
| Net loans and leases to deposits | 92.6930% | 1,462 |
| Net loans and leases to core deposits | 119.4624% | 606 |
| Total domestic deposits to total assets | 85.6334% | 2,466 |
| Equity capital to assets | 9.8627% | 4,072 |
| Core capital (leverage) ratio | 9.6352% | 4,001 |
| Tier 1 risk-based capital ratio | 10.6537% | 5,392 |
| Total risk-based capital ratio | 11.2896% | 5,548 |
| Memoranda: | ||
| Average total assets | $1,337,129,000 | 578 |
| Average earning assets | $1,271,335,500 | 553 |
| Average equity | $131,839,250 | 625 |
| Average total loans | $1,056,964,000 | 510 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4373% | 4,901 |
| Cost of funding earning assets | 0.3140% | 3,942 |
| Net interest margin | 3.1234% | 4,622 |
| Noninterest income to average assets | 0.1467% | 5,329 |
| Noninterest expense to average assets | 1.6102% | 5,487 |
| Loan and lease loss provision to assets | 0.1460% | 1,396 |
| Net operating income to assets | 0.9016% | 2,905 |
| Return on assets (ROA) | 0.9016% | 2,958 |
| Pretax return on assets | 1.3582% | 2,172 |
| Return on Equity (ROE) | 9.1445% | 2,441 |
| Retained earnings to average equity (ytd only) | 3.0196% | 3,920 |
| Net charge-offs to loans | 0.2320% | 881 |
| Credit loss provision to net charge-offs | 79.9174% | 2,265 |
| Earnings coverage of net charge-offs (x) | 8.2347% | 2,524 |
| Efficiency ratio | 51.7014% | 5,203 |
| Assets per employee ($millions) | 12.1795% | 166 |
| Cash dividends to net income (ytd only)* | 66.9792% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6476% | 5,305 |
| Loan loss allowance to noncurrent loans | 124.7374% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 0.4669% | 3,243 |
| Noncurrent loans to loans | 0.5192% | 3,198 |
| Net loans and leases to total assets | 77.4665% | 1,320 |
| Net loans and leases to deposits | 90.6940% | 1,644 |
| Net loans and leases to core deposits | 116.6508% | 692 |
| Total domestic deposits to total assets | 85.4153% | 2,641 |
| Equity capital to assets | 9.7027% | 4,222 |
| Core capital (leverage) ratio | 9.5803% | 4,041 |
| Tier 1 risk-based capital ratio | 10.6902% | 5,382 |
| Total risk-based capital ratio | 11.2675% | 5,580 |
| Memoranda: | ||
| Average total assets | $1,324,827,000 | 585 |
| Average earning assets | $1,258,760,670 | 559 |
| Average equity | $130,613,330 | 631 |
| Average total loans | $1,043,132,330 | 516 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3929% | 4,938 |
| Cost of funding earning assets | 0.2894% | 4,148 |
| Net interest margin | 3.1035% | 4,640 |
| Noninterest income to average assets | 0.1995% | 5,071 |
| Noninterest expense to average assets | 1.6365% | 5,529 |
| Loan and lease loss provision to assets | 0.0748% | 2,310 |
| Net operating income to assets | 0.9743% | 2,419 |
| Return on assets (ROA) | 0.9743% | 2,471 |
| Pretax return on assets | 1.4327% | 1,756 |
| Return on Equity (ROE) | 9.8009% | 2,056 |
| Retained earnings to average equity (ytd only) | 3.6349% | 3,618 |
| Net charge-offs to loans | 0.0356% | 2,076 |
| Credit loss provision to net charge-offs | 265.2174% | 851 |
| Earnings coverage of net charge-offs (x) | 53.4674% | 862 |
| Efficiency ratio | 52.0519% | 5,262 |
| Assets per employee ($millions) | 12.7981% | 143 |
| Cash dividends to net income (ytd only)* | 62.9129% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7050% | 5,295 |
| Loan loss allowance to noncurrent loans | 131.4327% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 3,240 |
| Noncurrent loans to loans | 0.5364% | 3,202 |
| Net loans and leases to total assets | 79.3619% | 921 |
| Net loans and leases to deposits | 90.3988% | 1,491 |
| Net loans and leases to core deposits | 117.5748% | 537 |
| Total domestic deposits to total assets | 87.7909% | 1,832 |
| Equity capital to assets | 10.1004% | 3,623 |
| Core capital (leverage) ratio | 9.7577% | 3,803 |
| Tier 1 risk-based capital ratio | 10.9240% | 5,346 |
| Total risk-based capital ratio | 11.5521% | 5,558 |
| Memoranda: | ||
| Average total assets | $1,305,190,500 | 590 |
| Average earning assets | $1,238,333,000 | 570 |
| Average equity | $129,743,000 | 630 |
| Average total loans | $1,032,894,000 | 519 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3661% | 5,046 |
| Cost of funding earning assets | 0.3273% | 3,772 |
| Net interest margin | 3.0388% | 4,877 |
| Noninterest income to average assets | 0.2410% | 4,983 |
| Noninterest expense to average assets | 1.6320% | 5,625 |
| Loan and lease loss provision to assets | 0.1171% | 2,112 |
| Net operating income to assets | 0.8282% | 3,169 |
| Return on assets (ROA) | 0.8771% | 3,056 |
| Pretax return on assets | 1.3626% | 2,058 |
| Return on Equity (ROE) | 8.9293% | 2,452 |
| Retained earnings to average equity (ytd only) | 4.1645% | 2,942 |
| Net charge-offs to loans | 0.0786% | 2,562 |
| Credit loss provision to net charge-offs | 192.6829% | 1,472 |
| Earnings coverage of net charge-offs (x) | 23.0911% | 1,701 |
| Efficiency ratio | 53.7679% | 5,260 |
| Assets per employee ($millions) | 12.5502% | 147 |
| Cash dividends to net income (ytd only)* | 53.3618% | 2,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6906% | 5,377 |
| Loan loss allowance to noncurrent loans | 129.4844% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4849% | 3,322 |
| Noncurrent loans to loans | 0.5334% | 3,254 |
| Net loans and leases to total assets | 77.8233% | 1,220 |
| Net loans and leases to deposits | 88.5520% | 1,863 |
| Net loans and leases to core deposits | 116.7232% | 586 |
| Total domestic deposits to total assets | 87.8843% | 1,687 |
| Equity capital to assets | 9.7838% | 3,963 |
| Core capital (leverage) ratio | 9.6747% | 3,884 |
| Tier 1 risk-based capital ratio | 10.7454% | 5,465 |
| Total risk-based capital ratio | 11.3562% | 5,656 |
| Memoranda: | ||
| Average total assets | $1,281,888,200 | 577 |
| Average earning assets | $1,178,712,000 | 574 |
| Average equity | $125,922,400 | 636 |
| Average total loans | $991,529,000 | 516 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4100% | 5,009 |
| Cost of funding earning assets | 0.3335% | 3,738 |
| Net interest margin | 3.0765% | 4,838 |
| Noninterest income to average assets | 0.2758% | 4,799 |
| Noninterest expense to average assets | 1.6144% | 5,679 |
| Loan and lease loss provision to assets | 0.0478% | 3,293 |
| Net operating income to assets | 0.9131% | 2,843 |
| Return on assets (ROA) | 0.9612% | 2,750 |
| Pretax return on assets | 1.4951% | 1,723 |
| Return on Equity (ROE) | 9.7752% | 2,159 |
| Retained earnings to average equity (ytd only) | 3.3841% | 3,873 |
| Net charge-offs to loans | 0.0310% | 3,033 |
| Credit loss provision to net charge-offs | 200.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 61.4566% | 939 |
| Efficiency ratio | 52.3806% | 5,360 |
| Assets per employee ($millions) | 12.5085% | 146 |
| Cash dividends to net income (ytd only)* | 65.3809% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6614% | 5,505 |
| Loan loss allowance to noncurrent loans | 143.4154% | 2,881 |
| Noncurrent assets plus other real estate owned to assets | 0.4501% | 3,618 |
| Noncurrent loans to loans | 0.4612% | 3,632 |
| Net loans and leases to total assets | 75.9627% | 1,525 |
| Net loans and leases to deposits | 88.4528% | 1,956 |
| Net loans and leases to core deposits | 116.7665% | 626 |
| Total domestic deposits to total assets | 85.8793% | 2,418 |
| Equity capital to assets | 9.8634% | 4,289 |
| Core capital (leverage) ratio | 9.6221% | 4,032 |
| Tier 1 risk-based capital ratio | 10.8022% | 5,473 |
| Total risk-based capital ratio | 11.3850% | 5,694 |
| Memoranda: | ||
| Average total assets | $1,272,916,750 | 580 |
| Average earning assets | $1,161,108,500 | 578 |
| Average equity | $125,171,000 | 640 |
| Average total loans | $981,244,500 | 519 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4533% | 4,979 |
| Cost of funding earning assets | 0.3307% | 3,789 |
| Net interest margin | 3.1226% | 4,770 |
| Noninterest income to average assets | 0.2669% | 4,878 |
| Noninterest expense to average assets | 1.5788% | 5,775 |
| Loan and lease loss provision to assets | 0.0321% | 3,494 |
| Net operating income to assets | 0.9430% | 2,656 |
| Return on assets (ROA) | 0.9762% | 2,637 |
| Pretax return on assets | 1.5223% | 1,609 |
| Return on Equity (ROE) | 9.9375% | 2,077 |
| Retained earnings to average equity (ytd only) | 0.2376% | 5,233 |
| Net charge-offs to loans | 0.0031% | 3,598 |
| Credit loss provision to net charge-offs | 1,346.6667% | 296 |
| Earnings coverage of net charge-offs (x) | 630.8000% | 97 |
| Efficiency ratio | 51.2369% | 5,488 |
| Assets per employee ($millions) | 11.8629% | 163 |
| Cash dividends to net income (ytd only)* | 97.6086% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6677% | 5,579 |
| Loan loss allowance to noncurrent loans | 164.4030% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.4062% | 3,869 |
| Noncurrent loans to loans | 0.4062% | 3,904 |
| Net loans and leases to total assets | 75.3417% | 1,586 |
| Net loans and leases to deposits | 91.7320% | 1,550 |
| Net loans and leases to core deposits | 122.1623% | 456 |
| Total domestic deposits to total assets | 82.1325% | 3,965 |
| Equity capital to assets | 9.6796% | 4,573 |
| Core capital (leverage) ratio | 9.7317% | 3,892 |
| Tier 1 risk-based capital ratio | 10.5568% | 5,649 |
| Total risk-based capital ratio | 11.1568% | 5,832 |
| Memoranda: | ||
| Average total assets | $1,259,424,330 | 584 |
| Average earning assets | $1,135,153,000 | 589 |
| Average equity | $123,713,000 | 645 |
| Average total loans | $973,548,670 | 520 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4387% | 5,033 |
| Cost of funding earning assets | 0.3276% | 3,871 |
| Net interest margin | 3.1111% | 4,830 |
| Noninterest income to average assets | 0.2536% | 4,930 |
| Noninterest expense to average assets | 1.6813% | 5,766 |
| Loan and lease loss provision to assets | -0.0100% | 5,887 |
| Net operating income to assets | 0.9233% | 2,630 |
| Return on assets (ROA) | 0.9697% | 2,525 |
| Pretax return on assets | 1.5053% | 1,565 |
| Return on Equity (ROE) | 9.7963% | 2,076 |
| Retained earnings to average equity (ytd only) | 3.2611% | 3,864 |
| Net charge-offs to loans | -0.0017% | 4,105 |
| Credit loss provision to net charge-offs | 775.0000% | 443 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1628% | 5,370 |
| Assets per employee ($millions) | 10.6604% | 230 |
| Cash dividends to net income (ytd only)* | 66.7111% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6689% | 5,646 |
| Loan loss allowance to noncurrent loans | 183.9368% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 4,017 |
| Noncurrent loans to loans | 0.3637% | 4,128 |
| Net loans and leases to total assets | 77.5334% | 1,158 |
| Net loans and leases to deposits | 92.1323% | 1,335 |
| Net loans and leases to core deposits | 120.6493% | 448 |
| Total domestic deposits to total assets | 84.1545% | 3,459 |
| Equity capital to assets | 10.0860% | 3,966 |
| Core capital (leverage) ratio | 9.7039% | 3,907 |
| Tier 1 risk-based capital ratio | 11.1242% | 5,439 |
| Total risk-based capital ratio | 11.7399% | 5,669 |
| Memoranda: | ||
| Average total assets | $1,236,675,500 | 591 |
| Average earning assets | $1,133,113,000 | 591 |
| Average equity | $122,414,000 | 652 |
| Average total loans | $965,443,000 | 521 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4227% | 5,110 |
| Cost of funding earning assets | 0.3348% | 3,849 |
| Net interest margin | 3.0880% | 4,932 |
| Noninterest income to average assets | 0.3567% | 4,352 |
| Noninterest expense to average assets | 1.6680% | 5,870 |
| Loan and lease loss provision to assets | 0.1699% | 1,349 |
| Net operating income to assets | 0.8942% | 2,904 |
| Return on assets (ROA) | 0.8961% | 2,973 |
| Pretax return on assets | 1.3977% | 1,915 |
| Return on Equity (ROE) | 9.3243% | 2,312 |
| Retained earnings to average equity (ytd only) | 9.3243% | 583 |
| Net charge-offs to loans | 0.1381% | 1,968 |
| Credit loss provision to net charge-offs | 158.0521% | 1,693 |
| Earnings coverage of net charge-offs (x) | 14.5552% | 2,281 |
| Efficiency ratio | 51.5965% | 5,661 |
| Assets per employee ($millions) | 10.8470% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6605% | 5,708 |
| Loan loss allowance to noncurrent loans | 170.7272% | 2,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 3,962 |
| Noncurrent loans to loans | 0.3869% | 4,065 |
| Net loans and leases to total assets | 77.5637% | 1,183 |
| Net loans and leases to deposits | 92.9300% | 1,313 |
| Net loans and leases to core deposits | 123.6434% | 385 |
| Total domestic deposits to total assets | 83.4647% | 3,686 |
| Equity capital to assets | 9.7145% | 4,281 |
| Core capital (leverage) ratio | 9.6188% | 4,025 |
| Tier 1 risk-based capital ratio | 10.8604% | 5,594 |
| Total risk-based capital ratio | 11.4772% | 5,810 |
| Memoranda: | ||
| Average total assets | $1,212,970,800 | 580 |
| Average earning assets | $1,129,711,000 | 570 |
| Average equity | $116,566,000 | 658 |
| Average total loans | $944,245,000 | 512 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4634% | 5,071 |
| Cost of funding earning assets | 0.3379% | 3,889 |
| Net interest margin | 3.1256% | 4,895 |
| Noninterest income to average assets | 0.3766% | 4,241 |
| Noninterest expense to average assets | 1.7122% | 5,887 |
| Loan and lease loss provision to assets | 0.2044% | 974 |
| Net operating income to assets | 0.8699% | 3,085 |
| Return on assets (ROA) | 0.8724% | 3,162 |
| Pretax return on assets | 1.3591% | 2,182 |
| Return on Equity (ROE) | 9.1033% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.1033% | 867 |
| Net charge-offs to loans | 0.1745% | 1,431 |
| Credit loss provision to net charge-offs | 150.5710% | 1,668 |
| Earnings coverage of net charge-offs (x) | 11.4910% | 2,483 |
| Efficiency ratio | 52.3313% | 5,630 |
| Assets per employee ($millions) | 10.7240% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6555% | 5,810 |
| Loan loss allowance to noncurrent loans | 155.7308% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.4488% | 3,998 |
| Noncurrent loans to loans | 0.4209% | 4,092 |
| Net loans and leases to total assets | 76.9746% | 1,254 |
| Net loans and leases to deposits | 90.5733% | 1,575 |
| Net loans and leases to core deposits | 117.3635% | 548 |
| Total domestic deposits to total assets | 84.9860% | 3,016 |
| Equity capital to assets | 9.6356% | 4,594 |
| Core capital (leverage) ratio | 9.4726% | 4,339 |
| Tier 1 risk-based capital ratio | 10.6278% | 5,833 |
| Total risk-based capital ratio | 11.2282% | 6,005 |
| Memoranda: | ||
| Average total assets | $1,204,361,250 | 588 |
| Average earning assets | $1,115,590,500 | 580 |
| Average equity | $115,412,500 | 672 |
| Average total loans | $936,813,750 | 514 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4948% | 4,996 |
| Cost of funding earning assets | 0.3401% | 3,920 |
| Net interest margin | 3.1546% | 4,812 |
| Noninterest income to average assets | 0.4300% | 3,855 |
| Noninterest expense to average assets | 1.7387% | 5,934 |
| Loan and lease loss provision to assets | 0.2215% | 855 |
| Net operating income to assets | 0.8919% | 2,926 |
| Return on assets (ROA) | 0.8949% | 3,034 |
| Pretax return on assets | 1.3946% | 2,005 |
| Return on Equity (ROE) | 9.3568% | 2,361 |
| Retained earnings to average equity (ytd only) | 9.3568% | 816 |
| Net charge-offs to loans | 0.1847% | 1,350 |
| Credit loss provision to net charge-offs | 153.9090% | 1,511 |
| Earnings coverage of net charge-offs (x) | 11.1984% | 2,316 |
| Efficiency ratio | 51.8996% | 5,722 |
| Assets per employee ($millions) | 10.1151% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6535% | 5,892 |
| Loan loss allowance to noncurrent loans | 112.2453% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.5404% | 3,814 |
| Noncurrent loans to loans | 0.5822% | 3,710 |
| Net loans and leases to total assets | 78.5703% | 998 |
| Net loans and leases to deposits | 90.7205% | 1,510 |
| Net loans and leases to core deposits | 118.1184% | 526 |
| Total domestic deposits to total assets | 86.6069% | 2,370 |
| Equity capital to assets | 9.6768% | 4,434 |
| Core capital (leverage) ratio | 9.5988% | 4,141 |
| Tier 1 risk-based capital ratio | 10.6584% | 5,857 |
| Total risk-based capital ratio | 11.4958% | 5,957 |
| Memoranda: | ||
| Average total assets | $1,191,154,000 | 597 |
| Average earning assets | $1,102,565,000 | 582 |
| Average equity | $113,928,330 | 681 |
| Average total loans | $927,795,330 | 510 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5091% | 4,934 |
| Cost of funding earning assets | 0.3553% | 3,802 |
| Net interest margin | 3.1538% | 4,772 |
| Noninterest income to average assets | 0.3654% | 4,290 |
| Noninterest expense to average assets | 1.7634% | 5,945 |
| Loan and lease loss provision to assets | 0.4383% | 251 |
| Net operating income to assets | 0.6903% | 3,846 |
| Return on assets (ROA) | 0.6965% | 3,946 |
| Pretax return on assets | 1.0616% | 3,256 |
| Return on Equity (ROE) | 7.3253% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.3253% | 1,845 |
| Net charge-offs to loans | 0.2240% | 1,045 |
| Credit loss provision to net charge-offs | 253.2039% | 910 |
| Earnings coverage of net charge-offs (x) | 8.6097% | 2,078 |
| Efficiency ratio | 54.1942% | 5,665 |
| Assets per employee ($millions) | 10.3631% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6935% | 5,916 |
| Loan loss allowance to noncurrent loans | 100.4169% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6501% | 3,553 |
| Noncurrent loans to loans | 0.6906% | 3,550 |
| Net loans and leases to total assets | 77.4650% | 1,002 |
| Net loans and leases to deposits | 92.5792% | 1,126 |
| Net loans and leases to core deposits | 121.7191% | 374 |
| Total domestic deposits to total assets | 83.6743% | 3,944 |
| Equity capital to assets | 9.5633% | 4,677 |
| Core capital (leverage) ratio | 9.3777% | 4,462 |
| Tier 1 risk-based capital ratio | 10.3513% | 6,061 |
| Total risk-based capital ratio | 11.2216% | 6,133 |
| Memoranda: | ||
| Average total assets | $1,189,940,500 | 592 |
| Average earning assets | $1,089,855,000 | 585 |
| Average equity | $113,142,000 | 682 |
| Average total loans | $919,708,500 | 511 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6904% | 4,806 |
| Cost of funding earning assets | 0.4784% | 2,895 |
| Net interest margin | 3.2120% | 4,883 |
| Noninterest income to average assets | 0.2662% | 5,223 |
| Noninterest expense to average assets | 1.7811% | 6,091 |
| Loan and lease loss provision to assets | -0.0063% | 5,904 |
| Net operating income to assets | 0.9416% | 2,665 |
| Return on assets (ROA) | 0.9442% | 2,746 |
| Pretax return on assets | 1.4511% | 1,719 |
| Return on Equity (ROE) | 10.1718% | 2,039 |
| Retained earnings to average equity (ytd only) | 3.2232% | 3,940 |
| Net charge-offs to loans | 0.1795% | 2,232 |
| Credit loss provision to net charge-offs | -4.5006% | 5,299 |
| Earnings coverage of net charge-offs (x) | 10.3280% | 2,623 |
| Efficiency ratio | 55.1747% | 5,751 |
| Assets per employee ($millions) | 9.7336% | 275 |
| Cash dividends to net income (ytd only)* | 68.3122% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6344% | 6,093 |
| Loan loss allowance to noncurrent loans | 95.7963% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 3,550 |
| Noncurrent loans to loans | 0.6622% | 3,694 |
| Net loans and leases to total assets | 76.0742% | 1,253 |
| Net loans and leases to deposits | 90.2341% | 1,494 |
| Net loans and leases to core deposits | 117.2549% | 494 |
| Total domestic deposits to total assets | 84.3076% | 3,585 |
| Equity capital to assets | 9.4520% | 4,774 |
| Core capital (leverage) ratio | 9.2750% | 4,564 |
| Tier 1 risk-based capital ratio | 10.7650% | 6,006 |
| Total risk-based capital ratio | 11.3514% | 6,178 |
| Memoranda: | ||
| Average total assets | $1,162,738,200 | 581 |
| Average earning assets | $1,069,927,800 | 571 |
| Average equity | $107,935,200 | 675 |
| Average total loans | $903,666,200 | 493 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7092% | 4,828 |
| Cost of funding earning assets | 0.4986% | 2,786 |
| Net interest margin | 3.2106% | 4,932 |
| Noninterest income to average assets | 0.2996% | 5,057 |
| Noninterest expense to average assets | 1.8184% | 6,066 |
| Loan and lease loss provision to assets | -0.0013% | 6,057 |
| Net operating income to assets | 0.9369% | 2,747 |
| Return on assets (ROA) | 0.9398% | 2,819 |
| Pretax return on assets | 1.4440% | 1,829 |
| Return on Equity (ROE) | 10.1708% | 2,135 |
| Retained earnings to average equity (ytd only) | 5.1906% | 2,961 |
| Net charge-offs to loans | 0.2238% | 1,700 |
| Credit loss provision to net charge-offs | -0.7246% | 5,204 |
| Earnings coverage of net charge-offs (x) | 8.2358% | 2,835 |
| Efficiency ratio | 55.6961% | 5,682 |
| Assets per employee ($millions) | 9.8614% | 252 |
| Cash dividends to net income (ytd only)* | 48.9656% | 1,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6533% | 6,164 |
| Loan loss allowance to noncurrent loans | 104.7983% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 0.7507% | 3,563 |
| Noncurrent loans to loans | 0.6234% | 4,054 |
| Net loans and leases to total assets | 77.0621% | 1,085 |
| Net loans and leases to deposits | 88.9777% | 1,558 |
| Net loans and leases to core deposits | 115.7891% | 516 |
| Total domestic deposits to total assets | 86.6084% | 2,524 |
| Equity capital to assets | 9.4994% | 4,797 |
| Core capital (leverage) ratio | 9.3411% | 4,584 |
| Tier 1 risk-based capital ratio | 10.9235% | 6,032 |
| Total risk-based capital ratio | 11.5336% | 6,233 |
| Memoranda: | ||
| Average total assets | $1,158,981,500 | 581 |
| Average earning assets | $1,067,488,250 | 571 |
| Average equity | $107,088,500 | 683 |
| Average total loans | $904,159,000 | 491 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7317% | 4,757 |
| Cost of funding earning assets | 0.5115% | 2,712 |
| Net interest margin | 3.2202% | 4,874 |
| Noninterest income to average assets | 0.3230% | 4,832 |
| Noninterest expense to average assets | 1.8273% | 6,108 |
| Loan and lease loss provision to assets | -0.1087% | 6,388 |
| Net operating income to assets | 1.0169% | 2,258 |
| Return on assets (ROA) | 1.0190% | 2,318 |
| Pretax return on assets | 1.5830% | 1,299 |
| Return on Equity (ROE) | 11.1329% | 1,700 |
| Retained earnings to average equity (ytd only) | 5.4692% | 2,653 |
| Net charge-offs to loans | 0.1813% | 1,950 |
| Credit loss provision to net charge-offs | -76.7073% | 5,221 |
| Earnings coverage of net charge-offs (x) | 10.3817% | 2,255 |
| Efficiency ratio | 55.2651% | 5,811 |
| Assets per employee ($millions) | 9.5386% | 273 |
| Cash dividends to net income (ytd only)* | 50.8733% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6567% | 6,235 |
| Loan loss allowance to noncurrent loans | 104.4940% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 3,675 |
| Noncurrent loans to loans | 0.6284% | 4,139 |
| Net loans and leases to total assets | 77.9850% | 912 |
| Net loans and leases to deposits | 90.4179% | 1,331 |
| Net loans and leases to core deposits | 117.5010% | 440 |
| Total domestic deposits to total assets | 86.2495% | 2,895 |
| Equity capital to assets | 9.3760% | 4,868 |
| Core capital (leverage) ratio | 9.2322% | 4,692 |
| Tier 1 risk-based capital ratio | 10.6716% | 6,190 |
| Total risk-based capital ratio | 11.2866% | 6,345 |
| Memoranda: | ||
| Average total assets | $1,157,427,330 | 580 |
| Average earning assets | $1,069,431,330 | 569 |
| Average equity | $105,938,330 | 690 |
| Average total loans | $904,670,000 | 487 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7442% | 4,692 |
| Cost of funding earning assets | 0.5248% | 2,662 |
| Net interest margin | 3.2195% | 4,865 |
| Noninterest income to average assets | 0.1799% | 5,890 |
| Noninterest expense to average assets | 1.8737% | 6,105 |
| Loan and lease loss provision to assets | -0.0828% | 6,484 |
| Net operating income to assets | 0.9058% | 2,621 |
| Return on assets (ROA) | 0.9069% | 2,686 |
| Pretax return on assets | 1.3882% | 1,793 |
| Return on Equity (ROE) | 10.0314% | 2,026 |
| Retained earnings to average equity (ytd only) | 2.3651% | 4,653 |
| Net charge-offs to loans | 0.0826% | 2,320 |
| Credit loss provision to net charge-offs | -128.4946% | 4,879 |
| Earnings coverage of net charge-offs (x) | 20.2258% | 1,341 |
| Efficiency ratio | 58.8287% | 5,562 |
| Assets per employee ($millions) | 9.8597% | 246 |
| Cash dividends to net income (ytd only)* | 76.4234% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 6,150 |
| Loan loss allowance to noncurrent loans | 75.7569% | 4,306 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 3,232 |
| Noncurrent loans to loans | 1.0246% | 3,376 |
| Net loans and leases to total assets | 77.2540% | 850 |
| Net loans and leases to deposits | 88.9214% | 1,260 |
| Net loans and leases to core deposits | 117.4781% | 372 |
| Total domestic deposits to total assets | 86.8790% | 2,890 |
| Equity capital to assets | 9.0504% | 5,056 |
| Core capital (leverage) ratio | 9.0754% | 4,900 |
| Tier 1 risk-based capital ratio | 10.6428% | 6,291 |
| Total risk-based capital ratio | 11.3691% | 6,412 |
| Memoranda: | ||
| Average total assets | $1,154,285,500 | 585 |
| Average earning assets | $1,074,716,000 | 575 |
| Average equity | $104,352,500 | 698 |
| Average total loans | $900,245,500 | 486 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7496% | 4,976 |
| Cost of funding earning assets | 0.6302% | 2,384 |
| Net interest margin | 3.1194% | 5,258 |
| Noninterest income to average assets | 0.1717% | 6,057 |
| Noninterest expense to average assets | 1.7461% | 6,393 |
| Loan and lease loss provision to assets | 0.3450% | 924 |
| Net operating income to assets | 0.6700% | 3,940 |
| Return on assets (ROA) | 0.6368% | 4,192 |
| Pretax return on assets | 0.9514% | 3,553 |
| Return on Equity (ROE) | 6.8109% | 3,670 |
| Retained earnings to average equity (ytd only) | -1.9364% | 6,168 |
| Net charge-offs to loans | 0.6060% | 1,081 |
| Credit loss provision to net charge-offs | 72.3939% | 3,242 |
| Earnings coverage of net charge-offs (x) | 2.8246% | 4,063 |
| Efficiency ratio | 56.3243% | 5,912 |
| Assets per employee ($millions) | 9.2349% | 304 |
| Cash dividends to net income (ytd only)* | 128.4304% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8347% | 6,091 |
| Loan loss allowance to noncurrent loans | 75.8404% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.0869% | 3,236 |
| Noncurrent loans to loans | 1.1006% | 3,330 |
| Net loans and leases to total assets | 77.4748% | 891 |
| Net loans and leases to deposits | 92.7315% | 985 |
| Net loans and leases to core deposits | 115.8819% | 425 |
| Total domestic deposits to total assets | 83.5475% | 4,339 |
| Equity capital to assets | 9.0303% | 5,001 |
| Core capital (leverage) ratio | 9.1613% | 4,768 |
| Tier 1 risk-based capital ratio | 10.6257% | 6,323 |
| Total risk-based capital ratio | 11.3928% | 6,433 |
| Memoranda: | ||
| Average total assets | $1,161,601,600 | 565 |
| Average earning assets | $1,087,471,600 | 547 |
| Average equity | $108,605,000 | 650 |
| Average total loans | $913,372,800 | 463 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7821% | 4,923 |
| Cost of funding earning assets | 0.6522% | 2,344 |
| Net interest margin | 3.1299% | 5,231 |
| Noninterest income to average assets | 0.2222% | 5,836 |
| Noninterest expense to average assets | 1.8038% | 6,333 |
| Loan and lease loss provision to assets | 0.2402% | 1,497 |
| Net operating income to assets | 0.7300% | 3,703 |
| Return on assets (ROA) | 0.7301% | 3,827 |
| Pretax return on assets | 1.1060% | 3,090 |
| Return on Equity (ROE) | 7.7435% | 3,263 |
| Retained earnings to average equity (ytd only) | -0.7485% | 6,093 |
| Net charge-offs to loans | 0.4766% | 1,352 |
| Credit loss provision to net charge-offs | 63.9854% | 3,204 |
| Earnings coverage of net charge-offs (x) | 3.5859% | 3,660 |
| Efficiency ratio | 57.1206% | 5,785 |
| Assets per employee ($millions) | 9.6280% | 256 |
| Cash dividends to net income (ytd only)* | 109.6664% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 6,144 |
| Loan loss allowance to noncurrent loans | 53.6368% | 5,072 |
| Noncurrent assets plus other real estate owned to assets | 1.5570% | 2,599 |
| Noncurrent loans to loans | 1.6133% | 2,754 |
| Net loans and leases to total assets | 78.8961% | 662 |
| Net loans and leases to deposits | 92.2438% | 965 |
| Net loans and leases to core deposits | 117.4783% | 363 |
| Total domestic deposits to total assets | 85.5300% | 3,479 |
| Equity capital to assets | 9.3192% | 4,781 |
| Core capital (leverage) ratio | 9.2230% | 4,800 |
| Tier 1 risk-based capital ratio | 10.6771% | 6,399 |
| Total risk-based capital ratio | 11.5261% | 6,488 |
| Memoranda: | ||
| Average total assets | $1,165,719,250 | 563 |
| Average earning assets | $1,090,396,250 | 548 |
| Average equity | $109,904,000 | 648 |
| Average total loans | $918,052,000 | 461 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7592% | 4,962 |
| Cost of funding earning assets | 0.6711% | 2,306 |
| Net interest margin | 3.0881% | 5,302 |
| Noninterest income to average assets | 0.2418% | 5,721 |
| Noninterest expense to average assets | 1.8013% | 6,378 |
| Loan and lease loss provision to assets | 0.3683% | 892 |
| Net operating income to assets | 0.6468% | 4,074 |
| Return on assets (ROA) | 0.6468% | 4,232 |
| Pretax return on assets | 0.9696% | 3,637 |
| Return on Equity (ROE) | 6.8353% | 3,702 |
| Retained earnings to average equity (ytd only) | 6.8353% | 1,963 |
| Net charge-offs to loans | 0.4190% | 1,541 |
| Credit loss provision to net charge-offs | 112.0021% | 1,983 |
| Earnings coverage of net charge-offs (x) | 4.0683% | 3,221 |
| Efficiency ratio | 57.2404% | 5,832 |
| Assets per employee ($millions) | 9.2567% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 5,876 |
| Loan loss allowance to noncurrent loans | 103.5367% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 1.0420% | 3,667 |
| Noncurrent loans to loans | 0.9541% | 4,020 |
| Net loans and leases to total assets | 80.1337% | 523 |
| Net loans and leases to deposits | 94.1439% | 801 |
| Net loans and leases to core deposits | 118.3894% | 339 |
| Total domestic deposits to total assets | 85.1184% | 3,835 |
| Equity capital to assets | 9.5514% | 4,515 |
| Core capital (leverage) ratio | 9.4265% | 4,351 |
| Tier 1 risk-based capital ratio | 11.0022% | 6,331 |
| Total risk-based capital ratio | 11.9840% | 6,405 |
| Memoranda: | ||
| Average total assets | $1,175,589,670 | 556 |
| Average earning assets | $1,102,996,000 | 536 |
| Average equity | $111,246,670 | 641 |
| Average total loans | $922,679,670 | 455 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6836% | 5,221 |
| Cost of funding earning assets | 0.6906% | 2,304 |
| Net interest margin | 2.9930% | 5,586 |
| Noninterest income to average assets | 0.2610% | 5,596 |
| Noninterest expense to average assets | 1.7741% | 6,467 |
| Loan and lease loss provision to assets | 0.6431% | 378 |
| Net operating income to assets | 0.4554% | 4,891 |
| Return on assets (ROA) | 0.4554% | 5,051 |
| Pretax return on assets | 0.6499% | 4,779 |
| Return on Equity (ROE) | 4.8347% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.8347% | 3,339 |
| Net charge-offs to loans | 0.6185% | 986 |
| Credit loss provision to net charge-offs | 134.5339% | 1,476 |
| Earnings coverage of net charge-offs (x) | 2.7048% | 2,965 |
| Efficiency ratio | 57.6995% | 5,887 |
| Assets per employee ($millions) | 9.9136% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 5,862 |
| Loan loss allowance to noncurrent loans | 84.1226% | 3,811 |
| Noncurrent assets plus other real estate owned to assets | 1.2901% | 3,391 |
| Noncurrent loans to loans | 1.2289% | 3,721 |
| Net loans and leases to total assets | 77.2597% | 693 |
| Net loans and leases to deposits | 90.2386% | 944 |
| Net loans and leases to core deposits | 114.0916% | 387 |
| Total domestic deposits to total assets | 85.6171% | 3,726 |
| Equity capital to assets | 9.5017% | 4,847 |
| Core capital (leverage) ratio | 8.9764% | 4,926 |
| Tier 1 risk-based capital ratio | 10.9549% | 6,427 |
| Total risk-based capital ratio | 12.1856% | 6,405 |
| Memoranda: | ||
| Average total assets | $1,184,838,500 | 558 |
| Average earning assets | $1,110,876,000 | 537 |
| Average equity | $111,610,500 | 649 |
| Average total loans | $915,783,500 | 460 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 4,803 |
| Cost of funding earning assets | 0.9033% | 1,917 |
| Net interest margin | 3.2380% | 5,462 |
| Noninterest income to average assets | 0.2042% | 5,954 |
| Noninterest expense to average assets | 1.7984% | 6,625 |
| Loan and lease loss provision to assets | 0.8222% | 579 |
| Net operating income to assets | 0.3863% | 5,154 |
| Return on assets (ROA) | 0.4224% | 5,257 |
| Pretax return on assets | 0.6101% | 4,967 |
| Return on Equity (ROE) | 4.6305% | 4,869 |
| Retained earnings to average equity (ytd only) | 4.6305% | 2,965 |
| Net charge-offs to loans | 1.3377% | 715 |
| Credit loss provision to net charge-offs | 79.8427% | 3,836 |
| Earnings coverage of net charge-offs (x) | 1.3400% | 4,790 |
| Efficiency ratio | 56.4401% | 6,013 |
| Assets per employee ($millions) | 9.7538% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 5,988 |
| Loan loss allowance to noncurrent loans | 78.0297% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.2550% | 3,549 |
| Noncurrent loans to loans | 1.2741% | 3,707 |
| Net loans and leases to total assets | 75.7628% | 953 |
| Net loans and leases to deposits | 88.3478% | 1,225 |
| Net loans and leases to core deposits | 113.8492% | 419 |
| Total domestic deposits to total assets | 85.7552% | 3,481 |
| Equity capital to assets | 9.3388% | 5,097 |
| Core capital (leverage) ratio | 8.8626% | 5,078 |
| Tier 1 risk-based capital ratio | 10.7531% | 6,451 |
| Total risk-based capital ratio | 11.9348% | 6,446 |
| Memoranda: | ||
| Average total assets | $1,173,013,000 | 563 |
| Average earning assets | $1,077,440,400 | 548 |
| Average equity | $107,007,400 | 663 |
| Average total loans | $903,052,000 | 456 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2531% | 4,634 |
| Cost of funding earning assets | 0.9476% | 1,864 |
| Net interest margin | 3.3055% | 5,373 |
| Noninterest income to average assets | 0.2311% | 5,892 |
| Noninterest expense to average assets | 1.7384% | 6,750 |
| Loan and lease loss provision to assets | 0.4823% | 1,284 |
| Net operating income to assets | 0.6747% | 4,029 |
| Return on assets (ROA) | 0.6851% | 4,238 |
| Pretax return on assets | 1.0495% | 3,535 |
| Return on Equity (ROE) | 7.5562% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.5562% | 1,822 |
| Net charge-offs to loans | 0.9926% | 1,072 |
| Credit loss provision to net charge-offs | 63.0198% | 4,076 |
| Earnings coverage of net charge-offs (x) | 1.9805% | 4,272 |
| Efficiency ratio | 53.2812% | 6,320 |
| Assets per employee ($millions) | 9.7971% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9806% | 6,153 |
| Loan loss allowance to noncurrent loans | 71.4955% | 4,158 |
| Noncurrent assets plus other real estate owned to assets | 1.3424% | 3,610 |
| Noncurrent loans to loans | 1.3716% | 3,731 |
| Net loans and leases to total assets | 76.0911% | 963 |
| Net loans and leases to deposits | 89.6652% | 1,190 |
| Net loans and leases to core deposits | 115.0165% | 403 |
| Total domestic deposits to total assets | 84.8613% | 3,806 |
| Equity capital to assets | 9.4051% | 5,324 |
| Core capital (leverage) ratio | 8.8986% | 5,199 |
| Tier 1 risk-based capital ratio | 10.8191% | 6,557 |
| Total risk-based capital ratio | 11.9548% | 6,586 |
| Memoranda: | ||
| Average total assets | $1,168,776,750 | 566 |
| Average earning assets | $1,068,899,500 | 559 |
| Average equity | $105,977,250 | 672 |
| Average total loans | $901,165,250 | 457 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3606% | 4,344 |
| Cost of funding earning assets | 0.9709% | 1,930 |
| Net interest margin | 3.3898% | 5,120 |
| Noninterest income to average assets | 0.2433% | 5,833 |
| Noninterest expense to average assets | 1.7923% | 6,758 |
| Loan and lease loss provision to assets | 0.6776% | 829 |
| Net operating income to assets | 0.5790% | 4,456 |
| Return on assets (ROA) | 0.5899% | 4,672 |
| Pretax return on assets | 0.9002% | 4,078 |
| Return on Equity (ROE) | 6.5895% | 3,999 |
| Retained earnings to average equity (ytd only) | 6.5895% | 2,337 |
| Net charge-offs to loans | 1.3281% | 796 |
| Credit loss provision to net charge-offs | 66.0949% | 3,659 |
| Earnings coverage of net charge-offs (x) | 1.5230% | 4,230 |
| Efficiency ratio | 53.3083% | 6,386 |
| Assets per employee ($millions) | 9.6924% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 6,013 |
| Loan loss allowance to noncurrent loans | 74.1622% | 4,019 |
| Noncurrent assets plus other real estate owned to assets | 1.3802% | 3,667 |
| Noncurrent loans to loans | 1.3985% | 3,827 |
| Net loans and leases to total assets | 76.4331% | 913 |
| Net loans and leases to deposits | 90.4219% | 1,108 |
| Net loans and leases to core deposits | 115.9336% | 397 |
| Total domestic deposits to total assets | 84.5294% | 4,089 |
| Equity capital to assets | 9.2706% | 5,359 |
| Core capital (leverage) ratio | 8.9077% | 5,033 |
| Tier 1 risk-based capital ratio | 10.6682% | 6,628 |
| Total risk-based capital ratio | 12.7446% | 6,198 |
| Memoranda: | ||
| Average total assets | $1,159,953,330 | 570 |
| Average earning assets | $1,064,385,000 | 563 |
| Average equity | $103,831,670 | 682 |
| Average total loans | $895,392,670 | 461 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 3,641 |
| Cost of funding earning assets | 1.0147% | 1,891 |
| Net interest margin | 3.5549% | 4,464 |
| Noninterest income to average assets | 0.3315% | 5,207 |
| Noninterest expense to average assets | 1.8344% | 6,755 |
| Loan and lease loss provision to assets | 0.6285% | 889 |
| Net operating income to assets | 0.6964% | 3,900 |
| Return on assets (ROA) | 0.6951% | 4,128 |
| Pretax return on assets | 1.0959% | 3,337 |
| Return on Equity (ROE) | 7.9100% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.9100% | 2,022 |
| Net charge-offs to loans | 1.1719% | 875 |
| Credit loss provision to net charge-offs | 69.5033% | 2,924 |
| Earnings coverage of net charge-offs (x) | 1.9091% | 3,377 |
| Efficiency ratio | 51.3886% | 6,592 |
| Assets per employee ($millions) | 9.5016% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1914% | 5,526 |
| Loan loss allowance to noncurrent loans | 84.3866% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 3,520 |
| Noncurrent loans to loans | 1.4118% | 3,988 |
| Net loans and leases to total assets | 76.5254% | 746 |
| Net loans and leases to deposits | 91.7019% | 816 |
| Net loans and leases to core deposits | 117.8172% | 348 |
| Total domestic deposits to total assets | 83.4501% | 4,730 |
| Equity capital to assets | 8.7850% | 5,762 |
| Core capital (leverage) ratio | 8.4353% | 5,697 |
| Tier 1 risk-based capital ratio | 9.9981% | 6,881 |
| Total risk-based capital ratio | 12.8396% | 6,208 |
| Memoranda: | ||
| Average total assets | $1,148,692,000 | 577 |
| Average earning assets | $1,043,511,000 | 564 |
| Average equity | $100,936,000 | 703 |
| Average total loans | $886,451,500 | 462 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5271% | 4,968 |
| Cost of funding earning assets | 1.1819% | 2,152 |
| Net interest margin | 3.3452% | 5,666 |
| Noninterest income to average assets | 0.3146% | 5,292 |
| Noninterest expense to average assets | 1.7617% | 6,999 |
| Loan and lease loss provision to assets | 1.3065% | 628 |
| Net operating income to assets | 0.2119% | 5,553 |
| Return on assets (ROA) | 0.2205% | 5,662 |
| Pretax return on assets | 0.3010% | 5,552 |
| Return on Equity (ROE) | 2.5719% | 5,452 |
| Retained earnings to average equity (ytd only) | 2.5719% | 4,397 |
| Net charge-offs to loans | 2.1150% | 631 |
| Credit loss provision to net charge-offs | 83.0012% | 4,327 |
| Earnings coverage of net charge-offs (x) | 1.0137% | 5,028 |
| Efficiency ratio | 52.3344% | 6,677 |
| Assets per employee ($millions) | 9.4065% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,848 |
| Loan loss allowance to noncurrent loans | 70.8349% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 1.8088% | 3,245 |
| Noncurrent loans to loans | 1.8532% | 3,408 |
| Net loans and leases to total assets | 75.8785% | 968 |
| Net loans and leases to deposits | 91.5025% | 1,011 |
| Net loans and leases to core deposits | 114.3253% | 488 |
| Total domestic deposits to total assets | 82.9251% | 4,780 |
| Equity capital to assets | 8.7891% | 5,809 |
| Core capital (leverage) ratio | 8.0677% | 6,180 |
| Tier 1 risk-based capital ratio | 10.1878% | 6,804 |
| Total risk-based capital ratio | 13.1798% | 5,853 |
| Memoranda: | ||
| Average total assets | $1,141,348,400 | 570 |
| Average earning assets | $1,038,142,800 | 561 |
| Average equity | $97,865,000 | 702 |
| Average total loans | $849,456,600 | 494 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5406% | 5,120 |
| Cost of funding earning assets | 1.2030% | 2,299 |
| Net interest margin | 3.3376% | 5,747 |
| Noninterest income to average assets | 0.3057% | 5,410 |
| Noninterest expense to average assets | 1.7324% | 7,065 |
| Loan and lease loss provision to assets | 1.4562% | 483 |
| Net operating income to assets | 0.1415% | 5,857 |
| Return on assets (ROA) | 0.1516% | 5,951 |
| Pretax return on assets | 0.1871% | 5,919 |
| Return on Equity (ROE) | 1.7796% | 5,846 |
| Retained earnings to average equity (ytd only) | 1.7796% | 5,250 |
| Net charge-offs to loans | 2.0229% | 624 |
| Credit loss provision to net charge-offs | 97.5217% | 3,512 |
| Earnings coverage of net charge-offs (x) | 1.0922% | 4,812 |
| Efficiency ratio | 51.3711% | 6,736 |
| Assets per employee ($millions) | 9.7225% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 3,297 |
| Loan loss allowance to noncurrent loans | 58.6671% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 2.3134% | 2,772 |
| Noncurrent loans to loans | 2.8875% | 2,418 |
| Net loans and leases to total assets | 71.3490% | 1,839 |
| Net loans and leases to deposits | 87.7871% | 1,456 |
| Net loans and leases to core deposits | 109.6074% | 692 |
| Total domestic deposits to total assets | 81.2751% | 5,348 |
| Equity capital to assets | 8.6211% | 6,175 |
| Core capital (leverage) ratio | 8.1658% | 6,172 |
| Tier 1 risk-based capital ratio | 10.5643% | 6,749 |
| Total risk-based capital ratio | 14.0825% | 5,198 |
| Memoranda: | ||
| Average total assets | $1,142,139,500 | 578 |
| Average earning assets | $1,046,273,750 | 567 |
| Average equity | $97,322,250 | 708 |
| Average total loans | $843,039,500 | 498 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 4,886 |
| Cost of funding earning assets | 1.2264% | 2,402 |
| Net interest margin | 3.3932% | 5,574 |
| Noninterest income to average assets | 0.2733% | 5,687 |
| Noninterest expense to average assets | 1.7183% | 7,162 |
| Loan and lease loss provision to assets | 1.4550% | 491 |
| Net operating income to assets | 0.1816% | 5,802 |
| Return on assets (ROA) | 0.1936% | 5,874 |
| Pretax return on assets | 0.2555% | 5,793 |
| Return on Equity (ROE) | 2.2815% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.2815% | 4,836 |
| Net charge-offs to loans | 2.1674% | 596 |
| Credit loss provision to net charge-offs | 90.4351% | 3,444 |
| Earnings coverage of net charge-offs (x) | 1.0533% | 4,500 |
| Efficiency ratio | 50.2113% | 6,925 |
| Assets per employee ($millions) | 9.5355% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6366% | 3,551 |
| Loan loss allowance to noncurrent loans | 47.7150% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.5624% | 2,604 |
| Noncurrent loans to loans | 3.4299% | 2,065 |
| Net loans and leases to total assets | 72.3893% | 1,707 |
| Net loans and leases to deposits | 88.5675% | 1,417 |
| Net loans and leases to core deposits | 109.8038% | 728 |
| Total domestic deposits to total assets | 81.7335% | 5,261 |
| Equity capital to assets | 8.7605% | 5,864 |
| Core capital (leverage) ratio | 8.1900% | 6,047 |
| Tier 1 risk-based capital ratio | 10.6841% | 6,721 |
| Total risk-based capital ratio | 14.2322% | 4,912 |
| Memoranda: | ||
| Average total assets | $1,137,192,000 | 585 |
| Average earning assets | $1,052,212,330 | 572 |
| Average equity | $96,515,000 | 709 |
| Average total loans | $844,146,000 | 509 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6559% | 4,718 |
| Cost of funding earning assets | 1.2426% | 2,554 |
| Net interest margin | 3.4133% | 5,379 |
| Noninterest income to average assets | 0.2375% | 6,010 |
| Noninterest expense to average assets | 1.8025% | 7,135 |
| Loan and lease loss provision to assets | 1.4286% | 457 |
| Net operating income to assets | 0.1687% | 5,892 |
| Return on assets (ROA) | 0.1687% | 5,941 |
| Pretax return on assets | 0.2147% | 5,904 |
| Return on Equity (ROE) | 2.0196% | 5,779 |
| Retained earnings to average equity (ytd only) | 2.0196% | 4,922 |
| Net charge-offs to loans | 1.4276% | 957 |
| Credit loss provision to net charge-offs | 134.2357% | 2,066 |
| Earnings coverage of net charge-offs (x) | 1.5441% | 3,553 |
| Efficiency ratio | 52.1770% | 6,841 |
| Assets per employee ($millions) | 9.5495% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8553% | 2,841 |
| Loan loss allowance to noncurrent loans | 55.5302% | 4,676 |
| Noncurrent assets plus other real estate owned to assets | 2.6071% | 2,626 |
| Noncurrent loans to loans | 3.3411% | 2,246 |
| Net loans and leases to total assets | 71.9154% | 1,738 |
| Net loans and leases to deposits | 87.0974% | 1,581 |
| Net loans and leases to core deposits | 109.4431% | 759 |
| Total domestic deposits to total assets | 82.5690% | 5,079 |
| Equity capital to assets | 8.5822% | 5,795 |
| Core capital (leverage) ratio | 8.1824% | 5,993 |
| Tier 1 risk-based capital ratio | 10.5754% | 6,765 |
| Total risk-based capital ratio | 14.1190% | 4,906 |
| Memoranda: | ||
| Average total assets | $1,138,426,000 | 594 |
| Average earning assets | $1,070,043,000 | 565 |
| Average equity | $95,068,500 | 710 |
| Average total loans | $848,676,000 | 516 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9946% | 4,587 |
| Cost of funding earning assets | 1.4510% | 2,946 |
| Net interest margin | 3.5436% | 5,063 |
| Noninterest income to average assets | -0.0519% | 7,354 |
| Noninterest expense to average assets | 1.7883% | 7,277 |
| Loan and lease loss provision to assets | 1.6774% | 847 |
| Net operating income to assets | -0.0997% | 5,990 |
| Return on assets (ROA) | -0.0493% | 6,013 |
| Pretax return on assets | -0.1498% | 6,048 |
| Return on Equity (ROE) | -0.6376% | 6,030 |
| Retained earnings to average equity (ytd only) | -0.6376% | 5,735 |
| Net charge-offs to loans | 1.6807% | 1,291 |
| Credit loss provision to net charge-offs | 128.9107% | 3,096 |
| Earnings coverage of net charge-offs (x) | 1.1136% | 4,998 |
| Efficiency ratio | 55.0922% | 6,704 |
| Assets per employee ($millions) | 9.5840% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6955% | 3,232 |
| Loan loss allowance to noncurrent loans | 54.0314% | 4,781 |
| Noncurrent assets plus other real estate owned to assets | 2.4920% | 2,779 |
| Noncurrent loans to loans | 3.1380% | 2,429 |
| Net loans and leases to total assets | 74.5525% | 1,562 |
| Net loans and leases to deposits | 90.4377% | 1,468 |
| Net loans and leases to core deposits | 114.6505% | 690 |
| Total domestic deposits to total assets | 82.4352% | 5,046 |
| Equity capital to assets | 8.1164% | 6,366 |
| Core capital (leverage) ratio | 7.5396% | 6,670 |
| Tier 1 risk-based capital ratio | 9.7062% | 7,077 |
| Total risk-based capital ratio | 13.2192% | 5,483 |
| Memoranda: | ||
| Average total assets | $1,097,070,200 | 611 |
| Average earning assets | $1,018,276,600 | 592 |
| Average equity | $84,854,600 | 784 |
| Average total loans | $849,331,800 | 527 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0801% | 4,428 |
| Cost of funding earning assets | 1.4767% | 3,109 |
| Net interest margin | 3.6034% | 4,857 |
| Noninterest income to average assets | 0.2203% | 6,334 |
| Noninterest expense to average assets | 1.9923% | 7,060 |
| Loan and lease loss provision to assets | 1.5100% | 876 |
| Net operating income to assets | 0.0481% | 5,889 |
| Return on assets (ROA) | 0.1434% | 5,818 |
| Pretax return on assets | 0.1578% | 5,816 |
| Return on Equity (ROE) | 1.8783% | 5,651 |
| Retained earnings to average equity (ytd only) | 1.8783% | 5,019 |
| Net charge-offs to loans | 1.6917% | 1,162 |
| Credit loss provision to net charge-offs | 114.6884% | 3,648 |
| Earnings coverage of net charge-offs (x) | 1.1872% | 4,879 |
| Efficiency ratio | 55.8993% | 6,572 |
| Assets per employee ($millions) | 9.3257% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 4,381 |
| Loan loss allowance to noncurrent loans | 61.3598% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.1435% | 3,277 |
| Noncurrent loans to loans | 2.3024% | 3,339 |
| Net loans and leases to total assets | 74.1732% | 1,765 |
| Net loans and leases to deposits | 89.9511% | 1,727 |
| Net loans and leases to core deposits | 113.8770% | 840 |
| Total domestic deposits to total assets | 82.4595% | 4,815 |
| Equity capital to assets | 7.8285% | 6,912 |
| Core capital (leverage) ratio | 7.3181% | 6,992 |
| Tier 1 risk-based capital ratio | 9.3077% | 7,300 |
| Total risk-based capital ratio | 12.8410% | 5,832 |
| Memoranda: | ||
| Average total assets | $1,088,608,500 | 610 |
| Average earning assets | $1,007,543,750 | 591 |
| Average equity | $83,120,750 | 796 |
| Average total loans | $847,247,500 | 524 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 3,598 |
| Cost of funding earning assets | 1.4854% | 3,336 |
| Net interest margin | 3.7861% | 3,953 |
| Noninterest income to average assets | 0.2066% | 6,433 |
| Noninterest expense to average assets | 2.1152% | 6,852 |
| Loan and lease loss provision to assets | 0.9986% | 1,459 |
| Net operating income to assets | 0.4072% | 4,724 |
| Return on assets (ROA) | 0.4170% | 4,835 |
| Pretax return on assets | 0.6050% | 4,555 |
| Return on Equity (ROE) | 5.5098% | 4,039 |
| Retained earnings to average equity (ytd only) | 5.5098% | 2,604 |
| Net charge-offs to loans | 1.1015% | 1,715 |
| Credit loss provision to net charge-offs | 115.1405% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.8327% | 4,148 |
| Efficiency ratio | 56.9657% | 6,514 |
| Assets per employee ($millions) | 9.1764% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,949 |
| Loan loss allowance to noncurrent loans | 83.8182% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.8492% | 3,693 |
| Noncurrent loans to loans | 1.5448% | 4,393 |
| Net loans and leases to total assets | 75.7243% | 1,538 |
| Net loans and leases to deposits | 91.2262% | 1,664 |
| Net loans and leases to core deposits | 115.4536% | 865 |
| Total domestic deposits to total assets | 83.0073% | 4,574 |
| Equity capital to assets | 7.3977% | 7,169 |
| Core capital (leverage) ratio | 7.0782% | 7,147 |
| Tier 1 risk-based capital ratio | 8.5973% | 7,471 |
| Total risk-based capital ratio | 12.1164% | 6,373 |
| Memoranda: | ||
| Average total assets | $1,075,340,000 | 614 |
| Average earning assets | $993,519,000 | 602 |
| Average equity | $81,381,670 | 804 |
| Average total loans | $846,671,670 | 522 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7636% | 1,581 |
| Cost of funding earning assets | 1.5182% | 3,431 |
| Net interest margin | 4.2454% | 1,868 |
| Noninterest income to average assets | 0.2537% | 6,122 |
| Noninterest expense to average assets | 2.0136% | 7,136 |
| Loan and lease loss provision to assets | 0.5963% | 2,130 |
| Net operating income to assets | 1.0028% | 2,170 |
| Return on assets (ROA) | 1.0212% | 2,166 |
| Pretax return on assets | 1.5894% | 1,289 |
| Return on Equity (ROE) | 13.3345% | 1,184 |
| Retained earnings to average equity (ytd only) | 13.3345% | 580 |
| Net charge-offs to loans | 0.5463% | 2,436 |
| Credit loss provision to net charge-offs | 136.7596% | 2,579 |
| Earnings coverage of net charge-offs (x) | 4.9469% | 2,505 |
| Efficiency ratio | 48.1650% | 7,428 |
| Assets per employee ($millions) | 8.6240% | 402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 4,967 |
| Loan loss allowance to noncurrent loans | 107.1803% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 2.0165% | 3,482 |
| Noncurrent loans to loans | 1.2074% | 4,947 |
| Net loans and leases to total assets | 78.5626% | 1,047 |
| Net loans and leases to deposits | 94.9361% | 1,238 |
| Net loans and leases to core deposits | 126.7458% | 566 |
| Total domestic deposits to total assets | 82.7531% | 4,735 |
| Equity capital to assets | 7.8195% | 6,832 |
| Core capital (leverage) ratio | 7.3724% | 6,968 |
| Tier 1 risk-based capital ratio | 8.7640% | 7,522 |
| Total risk-based capital ratio | 11.3967% | 6,922 |
| Memoranda: | ||
| Average total assets | $1,053,247,500 | 645 |
| Average earning assets | $971,688,500 | 628 |
| Average equity | $80,663,000 | 816 |
| Average total loans | $840,570,500 | 543 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 5,190 |
| Cost of funding earning assets | 2.0049% | 2,937 |
| Net interest margin | 3.2916% | 5,779 |
| Noninterest income to average assets | 0.0100% | 7,659 |
| Noninterest expense to average assets | 1.8999% | 7,507 |
| Loan and lease loss provision to assets | 2.3975% | 841 |
| Net operating income to assets | -0.7495% | 6,401 |
| Return on assets (ROA) | -0.7391% | 6,390 |
| Pretax return on assets | -1.2657% | 6,581 |
| Return on Equity (ROE) | -9.2711% | 6,564 |
| Retained earnings to average equity (ytd only) | -9.2711% | 6,457 |
| Net charge-offs to loans | 2.5166% | 917 |
| Credit loss provision to net charge-offs | 120.6220% | 4,433 |
| Earnings coverage of net charge-offs (x) | 0.5613% | 5,545 |
| Efficiency ratio | 62.8369% | 5,993 |
| Assets per employee ($millions) | 8.5030% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2344% | 5,145 |
| Loan loss allowance to noncurrent loans | 75.3672% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 2.0772% | 3,305 |
| Noncurrent loans to loans | 1.6379% | 4,188 |
| Net loans and leases to total assets | 79.0342% | 1,173 |
| Net loans and leases to deposits | 94.2565% | 1,564 |
| Net loans and leases to core deposits | 123.3729% | 1,685 |
| Total domestic deposits to total assets | 83.8501% | 4,102 |
| Equity capital to assets | 7.4979% | 7,036 |
| Core capital (leverage) ratio | 6.9889% | 7,248 |
| Tier 1 risk-based capital ratio | 8.3530% | 7,606 |
| Total risk-based capital ratio | 10.4647% | 7,367 |
| Memoranda: | ||
| Average total assets | $1,053,206,600 | 637 |
| Average earning assets | $961,681,600 | 632 |
| Average equity | $83,959,600 | 765 |
| Average total loans | $831,826,200 | 559 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 5,516 |
| Cost of funding earning assets | 2.0941% | 2,914 |
| Net interest margin | 3.1893% | 6,061 |
| Noninterest income to average assets | -0.0118% | 7,862 |
| Noninterest expense to average assets | 1.7761% | 7,684 |
| Loan and lease loss provision to assets | 2.4369% | 689 |
| Net operating income to assets | -0.7679% | 6,660 |
| Return on assets (ROA) | -0.7541% | 6,660 |
| Pretax return on assets | -1.2983% | 6,860 |
| Return on Equity (ROE) | -9.3206% | 6,842 |
| Retained earnings to average equity (ytd only) | -9.3206% | 6,743 |
| Net charge-offs to loans | 2.4776% | 739 |
| Credit loss provision to net charge-offs | 124.9448% | 4,033 |
| Earnings coverage of net charge-offs (x) | 0.5727% | 5,461 |
| Efficiency ratio | 61.2186% | 6,236 |
| Assets per employee ($millions) | 8.9319% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1447% | 5,443 |
| Loan loss allowance to noncurrent loans | 53.8374% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.5404% | 2,732 |
| Noncurrent loans to loans | 2.1262% | 3,476 |
| Net loans and leases to total assets | 80.7617% | 1,026 |
| Net loans and leases to deposits | 96.1138% | 1,560 |
| Net loans and leases to core deposits | 125.2636% | 1,790 |
| Total domestic deposits to total assets | 84.0271% | 3,711 |
| Equity capital to assets | 7.6275% | 7,208 |
| Core capital (leverage) ratio | 6.9686% | 7,456 |
| Tier 1 risk-based capital ratio | 8.2806% | 7,757 |
| Total risk-based capital ratio | 10.2704% | 7,624 |
| Memoranda: | ||
| Average total assets | $1,052,916,500 | 648 |
| Average earning assets | $958,987,500 | 641 |
| Average equity | $85,185,750 | 758 |
| Average total loans | $828,851,500 | 575 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1513% | 6,248 |
| Cost of funding earning assets | 2.1574% | 3,001 |
| Net interest margin | 2.9939% | 6,568 |
| Noninterest income to average assets | 0.2182% | 6,741 |
| Noninterest expense to average assets | 1.8133% | 7,729 |
| Loan and lease loss provision to assets | 1.1370% | 1,510 |
| Net operating income to assets | 0.0208% | 5,780 |
| Return on assets (ROA) | 0.0534% | 5,792 |
| Pretax return on assets | 0.0120% | 5,840 |
| Return on Equity (ROE) | 0.6470% | 5,738 |
| Retained earnings to average equity (ytd only) | 0.6470% | 4,930 |
| Net charge-offs to loans | 0.8023% | 2,075 |
| Credit loss provision to net charge-offs | 182.3655% | 2,519 |
| Earnings coverage of net charge-offs (x) | 1.7906% | 4,218 |
| Efficiency ratio | 61.7236% | 6,286 |
| Assets per employee ($millions) | 8.7524% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 5,818 |
| Loan loss allowance to noncurrent loans | 37.7317% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 3.0840% | 2,040 |
| Noncurrent loans to loans | 2.8192% | 2,553 |
| Net loans and leases to total assets | 75.9680% | 2,185 |
| Net loans and leases to deposits | 90.5339% | 2,742 |
| Net loans and leases to core deposits | 116.8008% | 2,642 |
| Total domestic deposits to total assets | 83.9111% | 3,821 |
| Equity capital to assets | 8.0140% | 6,730 |
| Core capital (leverage) ratio | 7.6883% | 6,774 |
| Tier 1 risk-based capital ratio | 9.3074% | 7,530 |
| Total risk-based capital ratio | 11.2437% | 6,868 |
| Memoranda: | ||
| Average total assets | $1,049,591,670 | 664 |
| Average earning assets | $950,602,000 | 659 |
| Average equity | $86,557,000 | 761 |
| Average total loans | $815,685,670 | 598 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 6,217 |
| Cost of funding earning assets | 2.2528% | 2,909 |
| Net interest margin | 2.9683% | 6,559 |
| Noninterest income to average assets | 0.3571% | 5,589 |
| Noninterest expense to average assets | 1.7075% | 7,817 |
| Loan and lease loss provision to assets | 1.1292% | 1,154 |
| Net operating income to assets | 0.1500% | 5,821 |
| Return on assets (ROA) | 0.1490% | 5,995 |
| Pretax return on assets | 0.1714% | 6,007 |
| Return on Equity (ROE) | 1.7809% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.7809% | 4,856 |
| Net charge-offs to loans | 0.7317% | 1,723 |
| Credit loss provision to net charge-offs | 197.3684% | 2,246 |
| Earnings coverage of net charge-offs (x) | 2.2753% | 3,598 |
| Efficiency ratio | 56.5747% | 6,888 |
| Assets per employee ($millions) | 8.7385% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9113% | 6,692 |
| Loan loss allowance to noncurrent loans | 50.8805% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.3733% | 2,411 |
| Noncurrent loans to loans | 1.7911% | 3,575 |
| Net loans and leases to total assets | 78.8494% | 1,612 |
| Net loans and leases to deposits | 94.6298% | 2,164 |
| Net loans and leases to core deposits | 117.9770% | 2,599 |
| Total domestic deposits to total assets | 83.3240% | 3,990 |
| Equity capital to assets | 8.3310% | 6,342 |
| Core capital (leverage) ratio | 7.8113% | 6,733 |
| Tier 1 risk-based capital ratio | 9.2153% | 7,662 |
| Total risk-based capital ratio | 10.9908% | 7,119 |
| Memoranda: | ||
| Average total assets | $1,036,114,000 | 670 |
| Average earning assets | $925,773,500 | 682 |
| Average equity | $86,698,000 | 765 |
| Average total loans | $810,216,500 | 609 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8857% | 6,110 |
| Cost of funding earning assets | 2.8104% | 2,659 |
| Net interest margin | 3.0753% | 6,724 |
| Noninterest income to average assets | 0.4911% | 4,676 |
| Noninterest expense to average assets | 1.5540% | 8,006 |
| Loan and lease loss provision to assets | 0.3249% | 3,783 |
| Net operating income to assets | 0.8865% | 3,056 |
| Return on assets (ROA) | 0.9349% | 2,709 |
| Pretax return on assets | 1.4654% | 1,779 |
| Return on Equity (ROE) | 10.6853% | 2,021 |
| Retained earnings to average equity (ytd only) | -4.9133% | 6,498 |
| Net charge-offs to loans | 0.3875% | 2,886 |
| Credit loss provision to net charge-offs | 106.6094% | 5,034 |
| Earnings coverage of net charge-offs (x) | 5.6266% | 3,579 |
| Efficiency ratio | 47.3764% | 7,851 |
| Assets per employee ($millions) | 8.6029% | 386 |
| Cash dividends to net income (ytd only)* | 145.9815% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7690% | 7,204 |
| Loan loss allowance to noncurrent loans | 122.5729% | 2,929 |
| Noncurrent assets plus other real estate owned to assets | 1.4233% | 3,354 |
| Noncurrent loans to loans | 0.6274% | 5,487 |
| Net loans and leases to total assets | 76.2200% | 2,563 |
| Net loans and leases to deposits | 93.2978% | 2,903 |
| Net loans and leases to core deposits | 118.4098% | 2,842 |
| Total domestic deposits to total assets | 81.6954% | 4,322 |
| Equity capital to assets | 8.4045% | 6,246 |
| Core capital (leverage) ratio | 8.1684% | 6,223 |
| Tier 1 risk-based capital ratio | 9.4839% | 7,324 |
| Total risk-based capital ratio | 10.2094% | 7,819 |
| Memoranda: | ||
| Average total assets | $992,882,800 | 665 |
| Average earning assets | $896,800,600 | 668 |
| Average equity | $86,866,600 | 764 |
| Average total loans | $780,985,800 | 608 |