Home > Limestone Bank, Inc. > Performance and Condition Ratios
Limestone Bank, Inc., Performance and Condition Ratios
| 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 | 5.1407% | 1,035 |
| Cost of funding earning assets | 1.3505% | 1,130 |
| Net interest margin | 3.7902% | 1,709 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.1778% | 3,154 |
| Loan and lease loss provision to assets | 0.1800% | 597 |
| Net operating income to assets | 1.3316% | 1,586 |
| Return on assets (ROA) | 1.3316% | 1,558 |
| Pretax return on assets | 1.7565% | 1,158 |
| Return on Equity (ROE) | 11.7400% | 2,285 |
| Retained earnings to average equity (ytd only) | 7.4231% | 2,384 |
| Net charge-offs to loans | -0.0380% | 4,291 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 52.5369% | 3,734 |
| Assets per employee ($millions) | 7.1507% | 1,853 |
| Cash dividends to net income (ytd only)* | 36.7722% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2632% | 2,227 |
| Loan loss allowance to noncurrent loans | 1,637.2014% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.0591% | 3,195 |
| Noncurrent loans to loans | 0.0772% | 3,188 |
| Net loans and leases to total assets | 75.6300% | 1,006 |
| Net loans and leases to deposits | 91.4975% | 952 |
| Net loans and leases to core deposits | 105.6090% | 847 |
| Total domestic deposits to total assets | 82.6500% | 3,366 |
| Equity capital to assets | 11.3451% | 1,210 |
| Core capital (leverage) ratio | 11.7954% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0817% | 1,952 |
| Memoranda: | ||
| Average total assets | $1,470,451,000 | 733 |
| Average earning assets | $1,377,556,500 | 713 |
| Average equity | $166,776,000 | 625 |
| Average total loans | $1,125,531,000 | 657 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3194% | 1,017 |
| Cost of funding earning assets | 0.4783% | 1,539 |
| Net interest margin | 3.8411% | 1,082 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 2.2296% | 2,946 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.4960% | 887 |
| Return on assets (ROA) | 1.4958% | 855 |
| Pretax return on assets | 1.9720% | 507 |
| Return on Equity (ROE) | 13.0800% | 1,784 |
| Retained earnings to average equity (ytd only) | 8.5046% | 1,642 |
| Net charge-offs to loans | -0.1323% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.5671% | 3,930 |
| Assets per employee ($millions) | 6.5475% | 2,298 |
| Cash dividends to net income (ytd only)* | 34.9944% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 2,524 |
| Loan loss allowance to noncurrent loans | 1,522.1963% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 3,222 |
| Noncurrent loans to loans | 0.0770% | 3,208 |
| Net loans and leases to total assets | 75.6000% | 1,047 |
| Net loans and leases to deposits | 90.9531% | 985 |
| Net loans and leases to core deposits | 98.5185% | 1,079 |
| Total domestic deposits to total assets | 83.1100% | 3,395 |
| Equity capital to assets | 11.3385% | 1,132 |
| Core capital (leverage) ratio | 11.5852% | 1,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0078% | 1,977 |
| Memoranda: | ||
| Average total assets | $1,432,800,000 | 728 |
| Average earning assets | $1,338,383,800 | 714 |
| Average equity | $163,817,200 | 626 |
| Average total loans | $1,072,547,800 | 644 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0678% | 1,123 |
| Cost of funding earning assets | 0.3309% | 1,850 |
| Net interest margin | 3.7369% | 1,059 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 2.2174% | 2,883 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4480% | 960 |
| Return on assets (ROA) | 1.4478% | 936 |
| Pretax return on assets | 1.9036% | 579 |
| Return on Equity (ROE) | 12.6400% | 1,824 |
| Retained earnings to average equity (ytd only) | 10.6798% | 1,140 |
| Net charge-offs to loans | -0.1945% | 4,636 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 53.4303% | 3,877 |
| Assets per employee ($millions) | 6.5714% | 2,260 |
| Cash dividends to net income (ytd only)* | 15.4819% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,766 |
| Loan loss allowance to noncurrent loans | 1,236.3378% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 3,185 |
| Noncurrent loans to loans | 0.0934% | 3,210 |
| Net loans and leases to total assets | 75.0700% | 1,005 |
| Net loans and leases to deposits | 91.2479% | 810 |
| Net loans and leases to core deposits | 94.6792% | 1,057 |
| Total domestic deposits to total assets | 82.2700% | 3,797 |
| Equity capital to assets | 10.9913% | 1,183 |
| Core capital (leverage) ratio | 11.5591% | 1,422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5344% | 2,247 |
| Memoranda: | ||
| Average total assets | $1,427,611,250 | 738 |
| Average earning assets | $1,333,041,000 | 725 |
| Average equity | $163,568,750 | 635 |
| Average total loans | $1,062,721,250 | 647 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8891% | 1,130 |
| Cost of funding earning assets | 0.2594% | 2,150 |
| Net interest margin | 3.6297% | 1,022 |
| Noninterest income to average assets | 0.6369% | 1,591 |
| Noninterest expense to average assets | 2.1961% | 2,873 |
| Loan and lease loss provision to assets | 0.1704% | 531 |
| Net operating income to assets | 1.2667% | 1,231 |
| Return on assets (ROA) | 1.2664% | 1,216 |
| Pretax return on assets | 1.6560% | 836 |
| Return on Equity (ROE) | 10.8969% | 2,015 |
| Retained earnings to average equity (ytd only) | 9.6750% | 1,105 |
| Net charge-offs to loans | 0.0348% | 1,044 |
| Credit loss provision to net charge-offs | 662.9834% | 533 |
| Earnings coverage of net charge-offs (x) | 71.0773% | 997 |
| Efficiency ratio | 54.1370% | 3,953 |
| Assets per employee ($millions) | 6.2792% | 2,497 |
| Cash dividends to net income (ytd only)* | 11.2133% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1687% | 2,860 |
| Loan loss allowance to noncurrent loans | 417.3595% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 2,254 |
| Noncurrent loans to loans | 0.2800% | 2,343 |
| Net loans and leases to total assets | 75.1174% | 811 |
| Net loans and leases to deposits | 90.6224% | 681 |
| Net loans and leases to core deposits | 91.5394% | 1,040 |
| Total domestic deposits to total assets | 82.8905% | 3,892 |
| Equity capital to assets | 11.4626% | 1,041 |
| Core capital (leverage) ratio | 11.3927% | 1,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3529% | 2,359 |
| Memoranda: | ||
| Average total assets | $1,408,434,333 | 739 |
| Average earning assets | $1,313,889,333 | 734 |
| Average equity | $163,679,333 | 649 |
| Average total loans | $1,040,980,000 | 646 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 1,106 |
| Cost of funding earning assets | 0.2456% | 2,207 |
| Net interest margin | 3.5417% | 1,004 |
| Noninterest income to average assets | 0.6377% | 1,536 |
| Noninterest expense to average assets | 2.1774% | 2,903 |
| Loan and lease loss provision to assets | 0.2133% | 330 |
| Net operating income to assets | 1.1878% | 1,274 |
| Return on assets (ROA) | 1.1878% | 1,272 |
| Pretax return on assets | 1.5525% | 917 |
| Return on Equity (ROE) | 10.1515% | 1,908 |
| Retained earnings to average equity (ytd only) | 10.1515% | 987 |
| Net charge-offs to loans | 0.0336% | 968 |
| Credit loss provision to net charge-offs | 872.0930% | 373 |
| Earnings coverage of net charge-offs (x) | 72.1860% | 785 |
| Efficiency ratio | 54.7573% | 4,001 |
| Assets per employee ($millions) | 6.3271% | 2,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 3,030 |
| Loan loss allowance to noncurrent loans | 353.7859% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 0.2454% | 2,167 |
| Noncurrent loans to loans | 0.3291% | 2,302 |
| Net loans and leases to total assets | 73.6921% | 681 |
| Net loans and leases to deposits | 86.1398% | 731 |
| Net loans and leases to core deposits | 87.0478% | 1,076 |
| Total domestic deposits to total assets | 85.5493% | 3,404 |
| Equity capital to assets | 11.6482% | 1,075 |
| Core capital (leverage) ratio | 11.1951% | 1,397 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1707% | 2,543 |
| Memoranda: | ||
| Average total assets | $1,406,247,000 | 740 |
| Average earning assets | $1,312,466,000 | 738 |
| Average equity | $164,547,000 | 660 |
| Average total loans | $1,024,562,500 | 651 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9755% | 1,420 |
| Cost of funding earning assets | 0.2939% | 2,459 |
| Net interest margin | 3.6816% | 1,263 |
| Noninterest income to average assets | 0.5914% | 2,199 |
| Noninterest expense to average assets | 2.2603% | 2,915 |
| Loan and lease loss provision to assets | 0.0853% | 1,445 |
| Net operating income to assets | 1.2711% | 1,684 |
| Return on assets (ROA) | 1.2980% | 1,653 |
| Pretax return on assets | 1.7069% | 1,128 |
| Return on Equity (ROE) | 11.0132% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.7552% | 978 |
| Net charge-offs to loans | 0.2122% | 441 |
| Credit loss provision to net charge-offs | 55.7711% | 2,096 |
| Earnings coverage of net charge-offs (x) | 11.5005% | 2,150 |
| Efficiency ratio | 55.7765% | 3,726 |
| Assets per employee ($millions) | 6.2021% | 2,570 |
| Cash dividends to net income (ytd only)* | 11.4233% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1510% | 3,125 |
| Loan loss allowance to noncurrent loans | 369.1101% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.2219% | 2,449 |
| Noncurrent loans to loans | 0.3118% | 2,472 |
| Net loans and leases to total assets | 70.3405% | 1,007 |
| Net loans and leases to deposits | 81.6126% | 1,094 |
| Net loans and leases to core deposits | 82.5239% | 1,420 |
| Total domestic deposits to total assets | 86.1883% | 2,839 |
| Equity capital to assets | 11.7539% | 1,367 |
| Core capital (leverage) ratio | 10.8374% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3098% | 2,527 |
| Memoranda: | ||
| Average total assets | $1,348,851,400 | 741 |
| Average earning assets | $1,255,572,400 | 743 |
| Average equity | $158,972,200 | 679 |
| Average total loans | $971,659,800 | 676 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 1,443 |
| Cost of funding earning assets | 0.3101% | 2,497 |
| Net interest margin | 3.7331% | 1,268 |
| Noninterest income to average assets | 0.5984% | 2,223 |
| Noninterest expense to average assets | 2.2926% | 2,772 |
| Loan and lease loss provision to assets | 0.0650% | 1,701 |
| Net operating income to assets | 1.2996% | 1,831 |
| Return on assets (ROA) | 1.3359% | 1,778 |
| Pretax return on assets | 1.7565% | 1,265 |
| Return on Equity (ROE) | 11.3268% | 2,265 |
| Retained earnings to average equity (ytd only) | 11.3268% | 987 |
| Net charge-offs to loans | 0.0166% | 1,734 |
| Credit loss provision to net charge-offs | 541.6667% | 735 |
| Earnings coverage of net charge-offs (x) | 148.0417% | 684 |
| Efficiency ratio | 55.8850% | 3,547 |
| Assets per employee ($millions) | 5.7990% | 2,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3401% | 2,277 |
| Loan loss allowance to noncurrent loans | 797.3571% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1209% | 3,312 |
| Noncurrent loans to loans | 0.1681% | 3,279 |
| Net loans and leases to total assets | 70.9934% | 990 |
| Net loans and leases to deposits | 82.9883% | 1,029 |
| Net loans and leases to core deposits | 84.0525% | 1,424 |
| Total domestic deposits to total assets | 85.5463% | 2,928 |
| Equity capital to assets | 12.2402% | 1,292 |
| Core capital (leverage) ratio | 10.9619% | 1,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7965% | 2,429 |
| Memoranda: | ||
| Average total assets | $1,334,094,500 | 757 |
| Average earning assets | $1,239,942,500 | 758 |
| Average equity | $157,345,000 | 694 |
| Average total loans | $964,114,750 | 697 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9841% | 1,600 |
| Cost of funding earning assets | 0.3284% | 2,508 |
| Net interest margin | 3.6557% | 1,455 |
| Noninterest income to average assets | 0.6033% | 2,203 |
| Noninterest expense to average assets | 2.2929% | 2,788 |
| Loan and lease loss provision to assets | 0.0526% | 1,982 |
| Net operating income to assets | 1.2597% | 1,992 |
| Return on assets (ROA) | 1.2591% | 2,067 |
| Pretax return on assets | 1.6540% | 1,601 |
| Return on Equity (ROE) | 10.8133% | 2,493 |
| Retained earnings to average equity (ytd only) | 10.8133% | 1,172 |
| Net charge-offs to loans | 0.0324% | 1,326 |
| Credit loss provision to net charge-offs | 224.3590% | 1,002 |
| Earnings coverage of net charge-offs (x) | 72.8013% | 884 |
| Efficiency ratio | 56.8379% | 3,426 |
| Assets per employee ($millions) | 5.7640% | 2,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,269 |
| Loan loss allowance to noncurrent loans | 825.9477% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.1149% | 3,466 |
| Noncurrent loans to loans | 0.1615% | 3,408 |
| Net loans and leases to total assets | 70.2062% | 1,170 |
| Net loans and leases to deposits | 81.7835% | 1,250 |
| Net loans and leases to core deposits | 82.9514% | 1,644 |
| Total domestic deposits to total assets | 85.8440% | 2,790 |
| Equity capital to assets | 11.9815% | 1,369 |
| Core capital (leverage) ratio | 10.5532% | 1,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1098% | 2,321 |
| Memoranda: | ||
| Average total assets | $1,330,340,333 | 753 |
| Average earning assets | $1,236,219,667 | 757 |
| Average equity | $154,901,667 | 698 |
| Average total loans | $962,790,333 | 697 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 1,660 |
| Cost of funding earning assets | 0.3463% | 2,554 |
| Net interest margin | 3.6222% | 1,528 |
| Noninterest income to average assets | 0.5679% | 2,336 |
| Noninterest expense to average assets | 2.2927% | 2,814 |
| Loan and lease loss provision to assets | 0.1053% | 1,300 |
| Net operating income to assets | 1.1665% | 2,275 |
| Return on assets (ROA) | 1.1665% | 2,346 |
| Pretax return on assets | 1.5332% | 1,904 |
| Return on Equity (ROE) | 10.1661% | 2,641 |
| Retained earnings to average equity (ytd only) | 10.1661% | 1,611 |
| Net charge-offs to loans | 0.0157% | 1,428 |
| Credit loss provision to net charge-offs | 921.0526% | 438 |
| Earnings coverage of net charge-offs (x) | 143.3421% | 500 |
| Efficiency ratio | 57.8315% | 3,327 |
| Assets per employee ($millions) | 6.0194% | 2,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 2,423 |
| Loan loss allowance to noncurrent loans | 639.0281% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.2777% | 2,763 |
| Noncurrent loans to loans | 0.2039% | 3,378 |
| Net loans and leases to total assets | 71.3332% | 1,111 |
| Net loans and leases to deposits | 82.5064% | 1,299 |
| Net loans and leases to core deposits | 83.8489% | 1,691 |
| Total domestic deposits to total assets | 86.4578% | 2,545 |
| Equity capital to assets | 11.4159% | 1,598 |
| Core capital (leverage) ratio | 10.4407% | 2,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3681% | 2,539 |
| Memoranda: | ||
| Average total assets | $1,329,766,000 | 747 |
| Average earning assets | $1,234,732,000 | 748 |
| Average equity | $152,586,000 | 699 |
| Average total loans | $970,473,000 | 693 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 1,933 |
| Cost of funding earning assets | 0.6915% | 1,763 |
| Net interest margin | 3.5864% | 2,183 |
| Noninterest income to average assets | 0.5353% | 2,484 |
| Noninterest expense to average assets | 2.4298% | 3,056 |
| Loan and lease loss provision to assets | 0.3440% | 1,014 |
| Net operating income to assets | 0.8975% | 2,713 |
| Return on assets (ROA) | 0.8972% | 2,845 |
| Pretax return on assets | 1.0879% | 2,748 |
| Return on Equity (ROE) | 8.0180% | 2,814 |
| Retained earnings to average equity (ytd only) | 8.0180% | 1,048 |
| Net charge-offs to loans | 0.0347% | 2,353 |
| Credit loss provision to net charge-offs | 1,321.3213% | 631 |
| Earnings coverage of net charge-offs (x) | 55.0120% | 1,123 |
| Efficiency ratio | 62.3957% | 3,057 |
| Assets per employee ($millions) | 5.9597% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 2,445 |
| Loan loss allowance to noncurrent loans | 742.4224% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2636% | 2,983 |
| Noncurrent loans to loans | 0.1742% | 3,589 |
| Net loans and leases to total assets | 72.7597% | 1,193 |
| Net loans and leases to deposits | 84.4390% | 1,412 |
| Net loans and leases to core deposits | 85.8659% | 1,880 |
| Total domestic deposits to total assets | 86.1684% | 2,294 |
| Equity capital to assets | 11.5357% | 1,856 |
| Core capital (leverage) ratio | 10.2149% | 2,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2047% | 2,547 |
| Memoranda: | ||
| Average total assets | $1,279,011,800 | 713 |
| Average earning assets | $1,186,394,000 | 707 |
| Average equity | $143,115,600 | 703 |
| Average total loans | $960,028,000 | 669 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 2,073 |
| Cost of funding earning assets | 0.7779% | 1,599 |
| Net interest margin | 3.5309% | 2,482 |
| Noninterest income to average assets | 0.5307% | 2,474 |
| Noninterest expense to average assets | 2.4640% | 2,952 |
| Loan and lease loss provision to assets | 0.3668% | 1,014 |
| Net operating income to assets | 0.8121% | 3,047 |
| Return on assets (ROA) | 0.8116% | 3,167 |
| Pretax return on assets | 0.9749% | 3,145 |
| Return on Equity (ROE) | 7.3114% | 3,088 |
| Retained earnings to average equity (ytd only) | 7.3114% | 1,582 |
| Net charge-offs to loans | 0.0549% | 1,821 |
| Credit loss provision to net charge-offs | 886.0759% | 912 |
| Earnings coverage of net charge-offs (x) | 32.4278% | 1,518 |
| Efficiency ratio | 64.2092% | 2,701 |
| Assets per employee ($millions) | 5.7096% | 2,531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 2,788 |
| Loan loss allowance to noncurrent loans | 563.3464% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 3,024 |
| Noncurrent loans to loans | 0.2091% | 3,546 |
| Net loans and leases to total assets | 74.9607% | 1,241 |
| Net loans and leases to deposits | 87.5714% | 1,537 |
| Net loans and leases to core deposits | 89.1146% | 2,050 |
| Total domestic deposits to total assets | 85.5996% | 2,218 |
| Equity capital to assets | 11.3954% | 2,086 |
| Core capital (leverage) ratio | 9.9048% | 2,812 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9663% | 2,626 |
| Memoranda: | ||
| Average total assets | $1,272,472,250 | 704 |
| Average earning assets | $1,180,401,750 | 699 |
| Average equity | $141,254,500 | 701 |
| Average total loans | $959,514,750 | 663 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4274% | 2,135 |
| Cost of funding earning assets | 0.8857% | 1,436 |
| Net interest margin | 3.5417% | 2,671 |
| Noninterest income to average assets | 0.5233% | 2,471 |
| Noninterest expense to average assets | 2.4943% | 2,974 |
| Loan and lease loss provision to assets | 0.3390% | 1,263 |
| Net operating income to assets | 0.7941% | 3,061 |
| Return on assets (ROA) | 0.7934% | 3,179 |
| Pretax return on assets | 0.9754% | 3,099 |
| Return on Equity (ROE) | 7.2122% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.2122% | 1,563 |
| Net charge-offs to loans | 0.0624% | 1,620 |
| Credit loss provision to net charge-offs | 721.4765% | 984 |
| Earnings coverage of net charge-offs (x) | 27.9899% | 1,477 |
| Efficiency ratio | 64.9462% | 2,667 |
| Assets per employee ($millions) | 5.6929% | 2,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 3,328 |
| Loan loss allowance to noncurrent loans | 725.3901% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.2338% | 3,390 |
| Noncurrent loans to loans | 0.1445% | 3,879 |
| Net loans and leases to total assets | 74.3865% | 1,361 |
| Net loans and leases to deposits | 85.5861% | 1,816 |
| Net loans and leases to core deposits | 87.3931% | 2,315 |
| Total domestic deposits to total assets | 86.9142% | 1,657 |
| Equity capital to assets | 10.9941% | 2,344 |
| Core capital (leverage) ratio | 9.5357% | 3,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7796% | 2,701 |
| Memoranda: | ||
| Average total assets | $1,268,411,333 | 685 |
| Average earning assets | $1,176,906,000 | 680 |
| Average equity | $139,542,000 | 703 |
| Average total loans | $954,530,333 | 651 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5678% | 2,107 |
| Cost of funding earning assets | 1.0346% | 1,283 |
| Net interest margin | 3.5332% | 2,872 |
| Noninterest income to average assets | 0.5514% | 2,276 |
| Noninterest expense to average assets | 2.5376% | 3,166 |
| Loan and lease loss provision to assets | 0.3350% | 920 |
| Net operating income to assets | 0.7754% | 2,997 |
| Return on assets (ROA) | 0.7754% | 3,075 |
| Pretax return on assets | 0.9531% | 2,990 |
| Return on Equity (ROE) | 7.0454% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.0454% | 1,519 |
| Net charge-offs to loans | 0.1170% | 1,004 |
| Credit loss provision to net charge-offs | 380.4348% | 1,037 |
| Earnings coverage of net charge-offs (x) | 14.6268% | 1,590 |
| Efficiency ratio | 65.7965% | 2,997 |
| Assets per employee ($millions) | 5.1120% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 3,923 |
| Loan loss allowance to noncurrent loans | 610.0000% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 2,955 |
| Noncurrent loans to loans | 0.1560% | 3,899 |
| Net loans and leases to total assets | 75.1249% | 1,438 |
| Net loans and leases to deposits | 89.7105% | 1,546 |
| Net loans and leases to core deposits | 91.9759% | 2,159 |
| Total domestic deposits to total assets | 83.7415% | 2,871 |
| Equity capital to assets | 10.8539% | 2,984 |
| Core capital (leverage) ratio | 9.6669% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3807% | 2,980 |
| Memoranda: | ||
| Average total assets | $1,253,621,000 | 662 |
| Average earning assets | $1,161,782,000 | 656 |
| Average equity | $137,962,000 | 700 |
| Average total loans | $943,916,000 | 634 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7357% | 2,221 |
| Cost of funding earning assets | 1.1986% | 1,025 |
| Net interest margin | 3.5370% | 3,323 |
| Noninterest income to average assets | 0.5020% | 2,726 |
| Noninterest expense to average assets | 2.5580% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0081% | 2,820 |
| Return on assets (ROA) | 1.0077% | 2,909 |
| Pretax return on assets | 1.2273% | 2,741 |
| Return on Equity (ROE) | 9.0109% | 2,753 |
| Retained earnings to average equity (ytd only) | 9.0109% | 704 |
| Net charge-offs to loans | 0.0617% | 2,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 27.4742% | 1,666 |
| Efficiency ratio | 67.5684% | 2,520 |
| Assets per employee ($millions) | 5.0798% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 3,941 |
| Loan loss allowance to noncurrent loans | 548.1675% | 916 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 2,876 |
| Noncurrent loans to loans | 0.1650% | 3,870 |
| Net loans and leases to total assets | 74.0553% | 1,741 |
| Net loans and leases to deposits | 88.9730% | 1,703 |
| Net loans and leases to core deposits | 91.6085% | 2,266 |
| Total domestic deposits to total assets | 83.2335% | 3,126 |
| Equity capital to assets | 11.1597% | 2,850 |
| Core capital (leverage) ratio | 9.9945% | 3,525 |
| Tier 1 risk-based capital ratio | 11.2479% | 4,756 |
| Total risk-based capital ratio | 12.0820% | 4,822 |
| Memoranda: | ||
| Average total assets | $1,127,804,200 | 705 |
| Average earning assets | $1,047,034,800 | 693 |
| Average equity | $126,125,400 | 726 |
| Average total loans | $816,956,600 | 701 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8351% | 2,012 |
| Cost of funding earning assets | 1.2257% | 963 |
| Net interest margin | 3.6095% | 3,222 |
| Noninterest income to average assets | 0.4852% | 2,824 |
| Noninterest expense to average assets | 2.5322% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0847% | 2,634 |
| Return on assets (ROA) | 1.0842% | 2,728 |
| Pretax return on assets | 1.3050% | 2,655 |
| Return on Equity (ROE) | 9.6891% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.6891% | 834 |
| Net charge-offs to loans | -0.0041% | 4,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9812% | 2,728 |
| Assets per employee ($millions) | 4.9825% | 2,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 2,989 |
| Loan loss allowance to noncurrent loans | 372.7082% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 2,535 |
| Noncurrent loans to loans | 0.2973% | 3,474 |
| Net loans and leases to total assets | 70.5715% | 2,393 |
| Net loans and leases to deposits | 85.5826% | 2,252 |
| Net loans and leases to core deposits | 88.2021% | 2,711 |
| Total domestic deposits to total assets | 82.4601% | 3,331 |
| Equity capital to assets | 12.1150% | 2,176 |
| Core capital (leverage) ratio | 11.2502% | 2,427 |
| Tier 1 risk-based capital ratio | 13.8690% | 3,390 |
| Total risk-based capital ratio | 14.8858% | 3,412 |
| Memoranda: | ||
| Average total assets | $1,099,887,250 | 724 |
| Average earning assets | $1,021,579,250 | 711 |
| Average equity | $123,076,500 | 738 |
| Average total loans | $789,628,000 | 725 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8510% | 1,907 |
| Cost of funding earning assets | 1.2109% | 959 |
| Net interest margin | 3.6402% | 3,134 |
| Noninterest income to average assets | 0.4518% | 2,951 |
| Noninterest expense to average assets | 2.5257% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1060% | 2,501 |
| Return on assets (ROA) | 1.1052% | 2,575 |
| Pretax return on assets | 1.3034% | 2,550 |
| Return on Equity (ROE) | 10.1662% | 2,311 |
| Retained earnings to average equity (ytd only) | 10.1662% | 709 |
| Net charge-offs to loans | 0.0122% | 2,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 148.2500% | 504 |
| Efficiency ratio | 65.9456% | 2,812 |
| Assets per employee ($millions) | 5.1193% | 2,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 3,068 |
| Loan loss allowance to noncurrent loans | 435.5030% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 2,659 |
| Noncurrent loans to loans | 0.2525% | 3,629 |
| Net loans and leases to total assets | 70.8463% | 2,416 |
| Net loans and leases to deposits | 84.2909% | 2,461 |
| Net loans and leases to core deposits | 86.9557% | 2,889 |
| Total domestic deposits to total assets | 84.0498% | 2,840 |
| Equity capital to assets | 10.9767% | 3,091 |
| Core capital (leverage) ratio | 10.0112% | 3,571 |
| Tier 1 risk-based capital ratio | 12.2570% | 4,263 |
| Total risk-based capital ratio | 13.2603% | 4,296 |
| Memoranda: | ||
| Average total assets | $1,091,168,670 | 728 |
| Average earning assets | $1,012,648,000 | 716 |
| Average equity | $118,628,670 | 756 |
| Average total loans | $784,981,000 | 728 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 1,622 |
| Cost of funding earning assets | 1.1597% | 1,016 |
| Net interest margin | 3.7286% | 2,787 |
| Noninterest income to average assets | 0.4230% | 3,029 |
| Noninterest expense to average assets | 2.5665% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1753% | 2,152 |
| Return on assets (ROA) | 1.1753% | 2,201 |
| Pretax return on assets | 1.3113% | 2,411 |
| Return on Equity (ROE) | 10.8650% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.8650% | 831 |
| Net charge-offs to loans | 0.1000% | 1,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 18.1856% | 1,629 |
| Efficiency ratio | 66.1842% | 2,920 |
| Assets per employee ($millions) | 5.2508% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 3,106 |
| Loan loss allowance to noncurrent loans | 452.1603% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 2,678 |
| Noncurrent loans to loans | 0.2442% | 3,691 |
| Net loans and leases to total assets | 71.5692% | 2,236 |
| Net loans and leases to deposits | 85.1920% | 2,227 |
| Net loans and leases to core deposits | 88.0164% | 2,683 |
| Total domestic deposits to total assets | 84.0093% | 3,042 |
| Equity capital to assets | 10.9281% | 2,920 |
| Core capital (leverage) ratio | 9.8786% | 3,731 |
| Tier 1 risk-based capital ratio | 12.0115% | 4,450 |
| Total risk-based capital ratio | 13.0138% | 4,484 |
| Memoranda: | ||
| Average total assets | $1,076,186,000 | 741 |
| Average earning assets | $997,146,500 | 732 |
| Average equity | $116,411,000 | 766 |
| Average total loans | $775,914,500 | 738 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6249% | 2,067 |
| Cost of funding earning assets | 0.9045% | 1,069 |
| Net interest margin | 3.7204% | 2,962 |
| Noninterest income to average assets | 0.4878% | 2,895 |
| Noninterest expense to average assets | 2.6488% | 3,184 |
| Loan and lease loss provision to assets | -0.0489% | 5,195 |
| Net operating income to assets | 1.0464% | 2,820 |
| Return on assets (ROA) | 1.0459% | 2,807 |
| Pretax return on assets | 1.3076% | 2,467 |
| Return on Equity (ROE) | 9.9599% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.9599% | 622 |
| Net charge-offs to loans | -0.1586% | 5,233 |
| Credit loss provision to net charge-offs | 42.4448% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7773% | 2,585 |
| Assets per employee ($millions) | 4.9788% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 2,768 |
| Loan loss allowance to noncurrent loans | 446.0070% | 1,202 |
| Noncurrent assets plus other real estate owned to assets | 0.5140% | 2,533 |
| Noncurrent loans to loans | 0.2602% | 3,647 |
| Net loans and leases to total assets | 70.9899% | 2,422 |
| Net loans and leases to deposits | 84.1168% | 2,498 |
| Net loans and leases to core deposits | 86.8314% | 2,855 |
| Total domestic deposits to total assets | 84.3944% | 2,872 |
| Equity capital to assets | 10.7036% | 2,983 |
| Core capital (leverage) ratio | 9.6019% | 4,004 |
| Tier 1 risk-based capital ratio | 11.8291% | 4,547 |
| Total risk-based capital ratio | 12.8751% | 4,547 |
| Memoranda: | ||
| Average total assets | $1,022,158,400 | 749 |
| Average earning assets | $939,709,200 | 747 |
| Average equity | $107,340,000 | 796 |
| Average total loans | $742,629,200 | 743 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5566% | 2,110 |
| Cost of funding earning assets | 0.8312% | 1,188 |
| Net interest margin | 3.7255% | 2,912 |
| Noninterest income to average assets | 0.4713% | 3,036 |
| Noninterest expense to average assets | 2.6840% | 3,019 |
| Loan and lease loss provision to assets | -0.0659% | 5,316 |
| Net operating income to assets | 1.0187% | 3,008 |
| Return on assets (ROA) | 1.0180% | 3,025 |
| Pretax return on assets | 1.2714% | 2,719 |
| Return on Equity (ROE) | 9.7438% | 2,734 |
| Retained earnings to average equity (ytd only) | 9.7438% | 992 |
| Net charge-offs to loans | -0.1686% | 5,273 |
| Credit loss provision to net charge-offs | 53.6481% | 2,798 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9925% | 2,358 |
| Assets per employee ($millions) | 4.8663% | 2,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1405% | 2,958 |
| Loan loss allowance to noncurrent loans | 320.7281% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.6157% | 2,337 |
| Noncurrent loans to loans | 0.3556% | 3,378 |
| Net loans and leases to total assets | 71.5327% | 2,403 |
| Net loans and leases to deposits | 85.1136% | 2,459 |
| Net loans and leases to core deposits | 88.0337% | 2,843 |
| Total domestic deposits to total assets | 84.0437% | 2,926 |
| Equity capital to assets | 10.4963% | 3,146 |
| Core capital (leverage) ratio | 9.5129% | 4,158 |
| Tier 1 risk-based capital ratio | 11.5638% | 4,756 |
| Total risk-based capital ratio | 12.5972% | 4,763 |
| Memoranda: | ||
| Average total assets | $1,011,334,750 | 751 |
| Average earning assets | $928,148,000 | 753 |
| Average equity | $105,664,500 | 807 |
| Average total loans | $736,975,500 | 747 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4986% | 2,089 |
| Cost of funding earning assets | 0.7449% | 1,397 |
| Net interest margin | 3.7537% | 2,738 |
| Noninterest income to average assets | 0.4599% | 3,093 |
| Noninterest expense to average assets | 2.7432% | 2,866 |
| Loan and lease loss provision to assets | -0.0300% | 5,340 |
| Net operating income to assets | 0.9503% | 3,235 |
| Return on assets (ROA) | 0.9493% | 3,249 |
| Pretax return on assets | 1.1844% | 2,995 |
| Return on Equity (ROE) | 9.1005% | 2,971 |
| Retained earnings to average equity (ytd only) | 9.1005% | 1,179 |
| Net charge-offs to loans | -0.1446% | 5,263 |
| Credit loss provision to net charge-offs | 28.4091% | 2,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3612% | 2,254 |
| Assets per employee ($millions) | 4.7756% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 3,008 |
| Loan loss allowance to noncurrent loans | 270.6625% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.7411% | 2,017 |
| Noncurrent loans to loans | 0.4231% | 3,185 |
| Net loans and leases to total assets | 71.4711% | 2,368 |
| Net loans and leases to deposits | 86.9414% | 2,231 |
| Net loans and leases to core deposits | 89.9578% | 2,574 |
| Total domestic deposits to total assets | 82.2060% | 3,650 |
| Equity capital to assets | 10.3866% | 3,225 |
| Core capital (leverage) ratio | 9.3746% | 4,275 |
| Tier 1 risk-based capital ratio | 11.2261% | 4,939 |
| Total risk-based capital ratio | 12.2639% | 4,949 |
| Memoranda: | ||
| Average total assets | $999,693,330 | 761 |
| Average earning assets | $915,848,000 | 766 |
| Average equity | $104,280,000 | 817 |
| Average total loans | $730,283,670 | 753 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 1,976 |
| Cost of funding earning assets | 0.6812% | 1,539 |
| Net interest margin | 3.7836% | 2,487 |
| Noninterest income to average assets | 0.4854% | 2,896 |
| Noninterest expense to average assets | 2.8005% | 2,688 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9187% | 3,210 |
| Return on assets (ROA) | 0.9187% | 3,222 |
| Pretax return on assets | 1.1441% | 2,991 |
| Return on Equity (ROE) | 8.7874% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.7874% | 1,543 |
| Net charge-offs to loans | -0.1798% | 5,353 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9961% | 2,340 |
| Assets per employee ($millions) | 4.6540% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1689% | 2,982 |
| Loan loss allowance to noncurrent loans | 195.1030% | 2,293 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 1,806 |
| Noncurrent loans to loans | 0.5991% | 2,748 |
| Net loans and leases to total assets | 72.3834% | 2,112 |
| Net loans and leases to deposits | 84.0352% | 2,388 |
| Net loans and leases to core deposits | 87.0003% | 2,715 |
| Total domestic deposits to total assets | 86.1346% | 2,485 |
| Equity capital to assets | 10.5982% | 2,971 |
| Core capital (leverage) ratio | 9.3121% | 4,308 |
| Tier 1 risk-based capital ratio | 11.1826% | 5,035 |
| Total risk-based capital ratio | 12.4314% | 4,936 |
| Memoranda: | ||
| Average total assets | $981,390,500 | 776 |
| Average earning assets | $897,230,000 | 782 |
| Average equity | $102,602,000 | 833 |
| Average total loans | $720,808,500 | 765 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2194% | 2,614 |
| Cost of funding earning assets | 0.6142% | 1,513 |
| Net interest margin | 3.6052% | 3,146 |
| Noninterest income to average assets | 0.2826% | 4,436 |
| Noninterest expense to average assets | 2.8537% | 2,598 |
| Loan and lease loss provision to assets | -0.0839% | 5,457 |
| Net operating income to assets | 3.9592% | 46 |
| Return on assets (ROA) | 3.9895% | 45 |
| Pretax return on assets | 0.9056% | 3,907 |
| Return on Equity (ROE) | 55.6297% | 7 |
| Retained earnings to average equity (ytd only) | 55.6297% | 1 |
| Net charge-offs to loans | -0.0052% | 4,651 |
| Credit loss provision to net charge-offs | 2,285.7143% | 168 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9738% | 1,356 |
| Assets per employee ($millions) | 4.4554% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1517% | 3,048 |
| Loan loss allowance to noncurrent loans | 150.2748% | 2,795 |
| Noncurrent assets plus other real estate owned to assets | 1.0206% | 1,501 |
| Noncurrent loans to loans | 0.7664% | 2,294 |
| Net loans and leases to total assets | 72.8138% | 2,120 |
| Net loans and leases to deposits | 82.9911% | 2,614 |
| Net loans and leases to core deposits | 86.2162% | 2,895 |
| Total domestic deposits to total assets | 87.7369% | 1,638 |
| Equity capital to assets | 10.3070% | 3,382 |
| Core capital (leverage) ratio | 8.7001% | 4,953 |
| Tier 1 risk-based capital ratio | 10.3458% | 5,432 |
| Total risk-based capital ratio | 11.6057% | 5,343 |
| Memoranda: | ||
| Average total assets | $953,414,400 | 776 |
| Average earning assets | $889,274,600 | 763 |
| Average equity | $68,373,600 | 1,168 |
| Average total loans | $670,610,600 | 777 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1611% | 2,749 |
| Cost of funding earning assets | 0.6049% | 1,499 |
| Net interest margin | 3.5562% | 3,302 |
| Noninterest income to average assets | 0.4697% | 3,215 |
| Noninterest expense to average assets | 2.8664% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9382% | 2,842 |
| Return on assets (ROA) | 0.9375% | 2,906 |
| Pretax return on assets | 0.9375% | 3,912 |
| Return on Equity (ROE) | 14.7082% | 700 |
| Retained earnings to average equity (ytd only) | 14.7082% | 125 |
| Net charge-offs to loans | -0.0020% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9391% | 1,753 |
| Assets per employee ($millions) | 4.4098% | 3,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3153% | 2,287 |
| Loan loss allowance to noncurrent loans | 155.6076% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 1.2586% | 1,288 |
| Noncurrent loans to loans | 0.8453% | 2,249 |
| Net loans and leases to total assets | 70.0619% | 2,548 |
| Net loans and leases to deposits | 77.5755% | 3,215 |
| Net loans and leases to core deposits | 80.6487% | 3,394 |
| Total domestic deposits to total assets | 90.3145% | 371 |
| Equity capital to assets | 7.1867% | 5,646 |
| Core capital (leverage) ratio | 7.7279% | 5,588 |
| Tier 1 risk-based capital ratio | 9.6624% | 5,655 |
| Total risk-based capital ratio | 11.0991% | 5,596 |
| Memoranda: | ||
| Average total assets | $950,061,500 | 783 |
| Average earning assets | $890,926,000 | 765 |
| Average equity | $60,554,250 | 1,312 |
| Average total loans | $660,217,000 | 793 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 2,712 |
| Cost of funding earning assets | 0.6024% | 1,429 |
| Net interest margin | 3.5369% | 3,267 |
| Noninterest income to average assets | 0.4762% | 3,174 |
| Noninterest expense to average assets | 2.8868% | 2,468 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9048% | 2,889 |
| Return on assets (ROA) | 0.9037% | 2,946 |
| Pretax return on assets | 0.9037% | 3,922 |
| Return on Equity (ROE) | 14.8191% | 691 |
| Retained earnings to average equity (ytd only) | 14.8191% | 148 |
| Net charge-offs to loans | 0.0251% | 2,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 52.2073% | 1,043 |
| Efficiency ratio | 75.5295% | 1,795 |
| Assets per employee ($millions) | 4.3108% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 2,134 |
| Loan loss allowance to noncurrent loans | 136.5033% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 1,198 |
| Noncurrent loans to loans | 0.9938% | 1,977 |
| Net loans and leases to total assets | 67.8137% | 2,840 |
| Net loans and leases to deposits | 73.7216% | 3,574 |
| Net loans and leases to core deposits | 76.6450% | 3,714 |
| Total domestic deposits to total assets | 91.9863% | 70 |
| Equity capital to assets | 7.0258% | 5,706 |
| Core capital (leverage) ratio | 7.5402% | 5,649 |
| Tier 1 risk-based capital ratio | 9.9712% | 5,635 |
| Total risk-based capital ratio | 11.4974% | 5,496 |
| Memoranda: | ||
| Average total assets | $946,301,670 | 793 |
| Average earning assets | $887,045,670 | 774 |
| Average equity | $57,709,330 | 1,375 |
| Average total loans | $652,785,670 | 806 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1765% | 2,353 |
| Cost of funding earning assets | 0.5931% | 1,425 |
| Net interest margin | 3.5834% | 2,944 |
| Noninterest income to average assets | 0.4704% | 3,187 |
| Noninterest expense to average assets | 2.9367% | 2,343 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8907% | 2,813 |
| Return on assets (ROA) | 0.8907% | 2,857 |
| Pretax return on assets | 0.8907% | 3,806 |
| Return on Equity (ROE) | 15.8201% | 547 |
| Retained earnings to average equity (ytd only) | 15.8201% | 204 |
| Net charge-offs to loans | 0.0006% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2,100.0000% | 14 |
| Efficiency ratio | 75.8090% | 1,939 |
| Assets per employee ($millions) | 4.0942% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 2,306 |
| Loan loss allowance to noncurrent loans | 110.6640% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.5582% | 1,010 |
| Noncurrent loans to loans | 1.2198% | 1,664 |
| Net loans and leases to total assets | 69.5802% | 2,455 |
| Net loans and leases to deposits | 75.9663% | 3,200 |
| Net loans and leases to core deposits | 79.1310% | 3,375 |
| Total domestic deposits to total assets | 91.5935% | 164 |
| Equity capital to assets | 5.8052% | 5,816 |
| Core capital (leverage) ratio | 6.3730% | 5,798 |
| Tier 1 risk-based capital ratio | 8.3322% | 5,826 |
| Total risk-based capital ratio | 9.8891% | 5,819 |
| Memoranda: | ||
| Average total assets | $943,108,500 | 796 |
| Average earning assets | $883,521,500 | 778 |
| Average equity | $53,097,000 | 1,460 |
| Average total loans | $651,709,500 | 806 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 2,797 |
| Cost of funding earning assets | 0.6140% | 1,246 |
| Net interest margin | 3.4990% | 3,435 |
| Noninterest income to average assets | 0.3850% | 3,998 |
| Noninterest expense to average assets | 4.0108% | 589 |
| Loan and lease loss provision to assets | -0.2628% | 5,821 |
| Net operating income to assets | -0.1136% | 5,690 |
| Return on assets (ROA) | -0.0904% | 5,692 |
| Pretax return on assets | -0.0904% | 5,689 |
| Return on Equity (ROE) | -1.4845% | 5,724 |
| Retained earnings to average equity (ytd only) | -1.4845% | 5,493 |
| Net charge-offs to loans | 0.0999% | 2,280 |
| Credit loss provision to net charge-offs | -392.6282% | 5,125 |
| Earnings coverage of net charge-offs (x) | -5.6234% | 4,225 |
| Efficiency ratio | 109.3754% | 133 |
| Assets per employee ($millions) | 3.9687% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4028% | 2,065 |
| Loan loss allowance to noncurrent loans | 97.2982% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.6979% | 908 |
| Noncurrent loans to loans | 1.4417% | 1,410 |
| Net loans and leases to total assets | 66.7273% | 2,969 |
| Net loans and leases to deposits | 73.9776% | 3,518 |
| Net loans and leases to core deposits | 76.5892% | 3,698 |
| Total domestic deposits to total assets | 90.1993% | 559 |
| Equity capital to assets | 5.4553% | 5,867 |
| Core capital (leverage) ratio | 6.2402% | 5,849 |
| Tier 1 risk-based capital ratio | 8.2844% | 5,873 |
| Total risk-based capital ratio | 9.8842% | 5,867 |
| Memoranda: | ||
| Average total assets | $932,099,800 | 772 |
| Average earning assets | $865,591,200 | 757 |
| Average equity | $56,787,400 | 1,354 |
| Average total loans | $624,799,000 | 797 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 2,680 |
| Cost of funding earning assets | 0.6220% | 1,193 |
| Net interest margin | 3.5287% | 3,363 |
| Noninterest income to average assets | 0.3885% | 4,001 |
| Noninterest expense to average assets | 3.1948% | 1,787 |
| Loan and lease loss provision to assets | -0.2727% | 5,897 |
| Net operating income to assets | 0.7390% | 3,649 |
| Return on assets (ROA) | 0.7658% | 3,667 |
| Pretax return on assets | 0.7658% | 4,421 |
| Return on Equity (ROE) | 12.2448% | 1,252 |
| Retained earnings to average equity (ytd only) | 12.2448% | 276 |
| Net charge-offs to loans | 0.1399% | 1,592 |
| Credit loss provision to net charge-offs | -291.4110% | 4,949 |
| Earnings coverage of net charge-offs (x) | 4.9831% | 3,193 |
| Efficiency ratio | 86.2833% | 802 |
| Assets per employee ($millions) | 3.9253% | 4,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5260% | 1,672 |
| Loan loss allowance to noncurrent loans | 93.9598% | 3,747 |
| Noncurrent assets plus other real estate owned to assets | 1.8803% | 862 |
| Noncurrent loans to loans | 1.6241% | 1,323 |
| Net loans and leases to total assets | 66.9515% | 2,962 |
| Net loans and leases to deposits | 72.9753% | 3,706 |
| Net loans and leases to core deposits | 75.5091% | 3,889 |
| Total domestic deposits to total assets | 91.7455% | 91 |
| Equity capital to assets | 6.7882% | 5,904 |
| Core capital (leverage) ratio | 6.9748% | 5,885 |
| Tier 1 risk-based capital ratio | 9.5316% | 5,872 |
| Total risk-based capital ratio | 11.1806% | 5,776 |
| Memoranda: | ||
| Average total assets | $928,988,500 | 773 |
| Average earning assets | $861,553,000 | 761 |
| Average equity | $58,102,250 | 1,335 |
| Average total loans | $621,189,750 | 801 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1412% | 2,714 |
| Cost of funding earning assets | 0.6259% | 1,157 |
| Net interest margin | 3.5153% | 3,430 |
| Noninterest income to average assets | 0.3962% | 3,898 |
| Noninterest expense to average assets | 3.1935% | 1,826 |
| Loan and lease loss provision to assets | -0.2463% | 5,956 |
| Net operating income to assets | 0.7017% | 3,778 |
| Return on assets (ROA) | 0.7451% | 3,728 |
| Pretax return on assets | 0.7451% | 4,472 |
| Return on Equity (ROE) | 12.2555% | 1,224 |
| Retained earnings to average equity (ytd only) | 12.2555% | 292 |
| Net charge-offs to loans | 0.2535% | 937 |
| Credit loss provision to net charge-offs | -146.1245% | 4,657 |
| Earnings coverage of net charge-offs (x) | 2.7014% | 3,228 |
| Efficiency ratio | 86.5403% | 833 |
| Assets per employee ($millions) | 3.8319% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6189% | 1,475 |
| Loan loss allowance to noncurrent loans | 87.1110% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.6119% | 508 |
| Noncurrent loans to loans | 1.8584% | 1,093 |
| Net loans and leases to total assets | 67.0463% | 2,931 |
| Net loans and leases to deposits | 72.8934% | 3,711 |
| Net loans and leases to core deposits | 75.2770% | 3,885 |
| Total domestic deposits to total assets | 91.9786% | 88 |
| Equity capital to assets | 6.5058% | 5,989 |
| Core capital (leverage) ratio | 6.6454% | 5,968 |
| Tier 1 risk-based capital ratio | 9.2174% | 5,983 |
| Total risk-based capital ratio | 10.8729% | 5,905 |
| Memoranda: | ||
| Average total assets | $933,783,000 | 773 |
| Average earning assets | $863,992,000 | 762 |
| Average equity | $56,774,670 | 1,362 |
| Average total loans | $620,976,000 | 800 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2144% | 2,417 |
| Cost of funding earning assets | 0.6272% | 1,169 |
| Net interest margin | 3.5872% | 3,136 |
| Noninterest income to average assets | 0.3169% | 4,464 |
| Noninterest expense to average assets | 3.1240% | 2,034 |
| Loan and lease loss provision to assets | -0.2334% | 6,033 |
| Net operating income to assets | 0.7434% | 3,518 |
| Return on assets (ROA) | 0.8295% | 3,229 |
| Pretax return on assets | 0.8295% | 4,104 |
| Return on Equity (ROE) | 14.1229% | 811 |
| Retained earnings to average equity (ytd only) | 14.1229% | 311 |
| Net charge-offs to loans | 0.0975% | 1,545 |
| Credit loss provision to net charge-offs | -364.2384% | 4,467 |
| Earnings coverage of net charge-offs (x) | 7.9603% | 2,102 |
| Efficiency ratio | 84.9971% | 1,062 |
| Assets per employee ($millions) | 3.8107% | 4,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 1,096 |
| Loan loss allowance to noncurrent loans | 101.9876% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 3.0914% | 402 |
| Noncurrent loans to loans | 1.7936% | 1,237 |
| Net loans and leases to total assets | 64.9212% | 3,119 |
| Net loans and leases to deposits | 70.2466% | 3,838 |
| Net loans and leases to core deposits | 72.6003% | 4,021 |
| Total domestic deposits to total assets | 92.4191% | 69 |
| Equity capital to assets | 6.0662% | 6,067 |
| Core capital (leverage) ratio | 6.3936% | 6,042 |
| Tier 1 risk-based capital ratio | 8.9441% | 6,058 |
| Total risk-based capital ratio | 10.6372% | 6,002 |
| Memoranda: | ||
| Average total assets | $942,758,000 | 768 |
| Average earning assets | $871,769,000 | 760 |
| Average equity | $55,371,000 | 1,391 |
| Average total loans | $619,396,000 | 800 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0878% | 2,968 |
| Cost of funding earning assets | 0.7184% | 744 |
| Net interest margin | 3.3694% | 4,040 |
| Noninterest income to average assets | -0.5286% | 6,175 |
| Noninterest expense to average assets | 3.3978% | 1,491 |
| Loan and lease loss provision to assets | -0.4591% | 6,115 |
| Net operating income to assets | -0.3955% | 6,017 |
| Return on assets (ROA) | -0.2225% | 5,981 |
| Pretax return on assets | -0.2225% | 5,970 |
| Return on Equity (ROE) | -3.8691% | 6,027 |
| Retained earnings to average equity (ytd only) | -3.8691% | 5,863 |
| Net charge-offs to loans | 0.4469% | 617 |
| Credit loss provision to net charge-offs | -159.4049% | 5,237 |
| Earnings coverage of net charge-offs (x) | -2.9674% | 4,374 |
| Efficiency ratio | 132.2596% | 62 |
| Assets per employee ($millions) | 3.8855% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9457% | 888 |
| Loan loss allowance to noncurrent loans | 85.4760% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 3.5125% | 337 |
| Noncurrent loans to loans | 2.2763% | 848 |
| Net loans and leases to total assets | 64.0047% | 3,279 |
| Net loans and leases to deposits | 69.0356% | 4,026 |
| Net loans and leases to core deposits | 71.3382% | 4,188 |
| Total domestic deposits to total assets | 92.7127% | 55 |
| Equity capital to assets | 5.6826% | 6,129 |
| Core capital (leverage) ratio | 6.0784% | 6,118 |
| Tier 1 risk-based capital ratio | 8.8445% | 6,115 |
| Total risk-based capital ratio | 10.5832% | 6,061 |
| Memoranda: | ||
| Average total assets | $980,235,800 | 706 |
| Average earning assets | $893,659,600 | 707 |
| Average equity | $56,370,000 | 1,325 |
| Average total loans | $631,627,200 | 741 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0886% | 2,995 |
| Cost of funding earning assets | 0.7393% | 685 |
| Net interest margin | 3.3493% | 4,144 |
| Noninterest income to average assets | -0.4675% | 6,260 |
| Noninterest expense to average assets | 3.3646% | 1,547 |
| Loan and lease loss provision to assets | -0.2968% | 6,156 |
| Net operating income to assets | -0.4943% | 6,137 |
| Return on assets (ROA) | -0.2655% | 6,089 |
| Pretax return on assets | -0.2655% | 6,076 |
| Return on Equity (ROE) | -4.6039% | 6,131 |
| Retained earnings to average equity (ytd only) | -4.6039% | 6,012 |
| Net charge-offs to loans | 0.6229% | 357 |
| Credit loss provision to net charge-offs | -74.1740% | 5,012 |
| Earnings coverage of net charge-offs (x) | -1.9771% | 4,079 |
| Efficiency ratio | 129.4207% | 73 |
| Assets per employee ($millions) | 3.8623% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2736% | 589 |
| Loan loss allowance to noncurrent loans | 83.5816% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 4.8587% | 209 |
| Noncurrent loans to loans | 2.7202% | 702 |
| Net loans and leases to total assets | 64.2324% | 3,271 |
| Net loans and leases to deposits | 69.4737% | 4,044 |
| Net loans and leases to core deposits | 72.1884% | 4,173 |
| Total domestic deposits to total assets | 92.4556% | 67 |
| Equity capital to assets | 5.8233% | 6,209 |
| Core capital (leverage) ratio | 6.0120% | 6,203 |
| Tier 1 risk-based capital ratio | 8.7334% | 6,203 |
| Total risk-based capital ratio | 10.5021% | 6,158 |
| Memoranda: | ||
| Average total assets | $988,276,750 | 704 |
| Average earning assets | $897,276,250 | 705 |
| Average equity | $56,993,750 | 1,324 |
| Average total loans | $634,821,000 | 743 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0523% | 3,064 |
| Cost of funding earning assets | 0.7589% | 615 |
| Net interest margin | 3.2934% | 4,329 |
| Noninterest income to average assets | -0.0659% | 6,293 |
| Noninterest expense to average assets | 3.3599% | 1,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.4466% | 6,173 |
| Return on assets (ROA) | -0.1077% | 6,080 |
| Pretax return on assets | -0.1077% | 6,071 |
| Return on Equity (ROE) | -1.8732% | 6,124 |
| Retained earnings to average equity (ytd only) | -1.8732% | 5,816 |
| Net charge-offs to loans | 0.8006% | 272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -0.8748% | 3,763 |
| Efficiency ratio | 114.1760% | 139 |
| Assets per employee ($millions) | 3.8655% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5922% | 435 |
| Loan loss allowance to noncurrent loans | 55.4624% | 4,857 |
| Noncurrent assets plus other real estate owned to assets | 7.1426% | 124 |
| Noncurrent loans to loans | 4.6738% | 280 |
| Net loans and leases to total assets | 64.5866% | 3,182 |
| Net loans and leases to deposits | 69.8063% | 3,955 |
| Net loans and leases to core deposits | 72.5451% | 4,081 |
| Total domestic deposits to total assets | 92.5226% | 81 |
| Equity capital to assets | 5.6750% | 6,280 |
| Core capital (leverage) ratio | 5.9467% | 6,271 |
| Tier 1 risk-based capital ratio | 8.4343% | 6,283 |
| Total risk-based capital ratio | 10.3366% | 6,226 |
| Memoranda: | ||
| Average total assets | $1,000,994,330 | 696 |
| Average earning assets | $905,518,000 | 699 |
| Average equity | $57,548,670 | 1,322 |
| Average total loans | $638,266,330 | 735 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 3,146 |
| Cost of funding earning assets | 0.7713% | 586 |
| Net interest margin | 3.2523% | 4,412 |
| Noninterest income to average assets | 0.2453% | 5,212 |
| Noninterest expense to average assets | 3.3390% | 1,623 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1584% | 6,128 |
| Return on assets (ROA) | 0.4330% | 5,057 |
| Pretax return on assets | 0.4330% | 5,356 |
| Return on Equity (ROE) | 7.4847% | 3,226 |
| Retained earnings to average equity (ytd only) | 7.4847% | 1,770 |
| Net charge-offs to loans | 0.4845% | 516 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | -0.5228% | 3,150 |
| Efficiency ratio | 103.9250% | 273 |
| Assets per employee ($millions) | 3.9083% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9406% | 316 |
| Loan loss allowance to noncurrent loans | 50.9256% | 4,997 |
| Noncurrent assets plus other real estate owned to assets | 7.9472% | 102 |
| Noncurrent loans to loans | 5.7743% | 194 |
| Net loans and leases to total assets | 60.8749% | 3,543 |
| Net loans and leases to deposits | 65.9015% | 4,159 |
| Net loans and leases to core deposits | 68.6050% | 4,278 |
| Total domestic deposits to total assets | 92.3725% | 110 |
| Equity capital to assets | 5.8560% | 6,341 |
| Core capital (leverage) ratio | 5.8363% | 6,336 |
| Tier 1 risk-based capital ratio | 8.2888% | 6,346 |
| Total risk-based capital ratio | 10.2233% | 6,312 |
| Memoranda: | ||
| Average total assets | $1,012,507,000 | 685 |
| Average earning assets | $913,810,500 | 695 |
| Average equity | $58,573,000 | 1,306 |
| Average total loans | $633,176,500 | 739 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1732% | 3,035 |
| Cost of funding earning assets | 0.9717% | 259 |
| Net interest margin | 3.2015% | 4,913 |
| Noninterest income to average assets | 0.0055% | 6,380 |
| Noninterest expense to average assets | 3.2279% | 2,136 |
| Loan and lease loss provision to assets | 0.6793% | 188 |
| Net operating income to assets | -0.8517% | 6,354 |
| Return on assets (ROA) | -0.8478% | 6,354 |
| Pretax return on assets | -1.0005% | 6,373 |
| Return on Equity (ROE) | -14.3278% | 6,408 |
| Retained earnings to average equity (ytd only) | -14.3278% | 6,379 |
| Net charge-offs to loans | 2.3975% | 63 |
| Credit loss provision to net charge-offs | 44.7667% | 3,592 |
| Earnings coverage of net charge-offs (x) | -0.2148% | 4,735 |
| Efficiency ratio | 109.9196% | 222 |
| Assets per employee ($millions) | 3.8510% | 4,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0546% | 282 |
| Loan loss allowance to noncurrent loans | 40.9162% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 9.1990% | 95 |
| Noncurrent loans to loans | 7.4656% | 128 |
| Net loans and leases to total assets | 60.4487% | 3,730 |
| Net loans and leases to deposits | 66.2160% | 4,297 |
| Net loans and leases to core deposits | 68.7646% | 4,427 |
| Total domestic deposits to total assets | 91.2902% | 275 |
| Equity capital to assets | 5.7145% | 6,431 |
| Core capital (leverage) ratio | 5.7787% | 6,424 |
| Tier 1 risk-based capital ratio | 8.5858% | 6,426 |
| Total risk-based capital ratio | 10.5700% | 6,355 |
| Memoranda: | ||
| Average total assets | $1,045,261,800 | 645 |
| Average earning assets | $945,721,400 | 654 |
| Average equity | $61,851,600 | 1,182 |
| Average total loans | $661,532,200 | 656 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1713% | 3,083 |
| Cost of funding earning assets | 1.0027% | 248 |
| Net interest margin | 3.1685% | 5,062 |
| Noninterest income to average assets | 0.2593% | 5,362 |
| Noninterest expense to average assets | 3.2135% | 2,133 |
| Loan and lease loss provision to assets | 0.7981% | 154 |
| Net operating income to assets | -0.7071% | 6,423 |
| Return on assets (ROA) | -0.7022% | 6,417 |
| Pretax return on assets | -0.8743% | 6,433 |
| Return on Equity (ROE) | -11.7701% | 6,465 |
| Retained earnings to average equity (ytd only) | -11.7701% | 6,409 |
| Net charge-offs to loans | 2.0397% | 99 |
| Credit loss provision to net charge-offs | 61.6077% | 2,916 |
| Earnings coverage of net charge-offs (x) | -0.0635% | 4,459 |
| Efficiency ratio | 101.4201% | 338 |
| Assets per employee ($millions) | 3.8409% | 4,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7907% | 187 |
| Loan loss allowance to noncurrent loans | 54.1706% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 9.6348% | 98 |
| Noncurrent loans to loans | 6.9976% | 167 |
| Net loans and leases to total assets | 59.6641% | 3,852 |
| Net loans and leases to deposits | 65.6843% | 4,366 |
| Net loans and leases to core deposits | 68.2579% | 4,484 |
| Total domestic deposits to total assets | 90.8346% | 410 |
| Equity capital to assets | 5.9204% | 6,481 |
| Core capital (leverage) ratio | 6.0861% | 6,474 |
| Tier 1 risk-based capital ratio | 8.9865% | 6,480 |
| Total risk-based capital ratio | 11.0062% | 6,368 |
| Memoranda: | ||
| Average total assets | $1,052,411,000 | 633 |
| Average earning assets | $953,894,250 | 639 |
| Average equity | $62,790,250 | 1,173 |
| Average total loans | $668,434,000 | 648 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1547% | 3,128 |
| Cost of funding earning assets | 1.0051% | 253 |
| Net interest margin | 3.1496% | 5,091 |
| Noninterest income to average assets | 0.2321% | 5,535 |
| Noninterest expense to average assets | 3.1650% | 2,295 |
| Loan and lease loss provision to assets | 1.1886% | 79 |
| Net operating income to assets | -1.0059% | 6,527 |
| Return on assets (ROA) | -1.0056% | 6,527 |
| Pretax return on assets | -1.2550% | 6,541 |
| Return on Equity (ROE) | -16.8123% | 6,563 |
| Retained earnings to average equity (ytd only) | -16.8123% | 6,514 |
| Net charge-offs to loans | 2.7389% | 67 |
| Credit loss provision to net charge-offs | 67.8076% | 2,505 |
| Earnings coverage of net charge-offs (x) | -0.0381% | 4,132 |
| Efficiency ratio | 100.9499% | 381 |
| Assets per employee ($millions) | 3.7946% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9068% | 184 |
| Loan loss allowance to noncurrent loans | 56.6377% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 9.7036% | 101 |
| Noncurrent loans to loans | 6.8979% | 181 |
| Net loans and leases to total assets | 59.2405% | 3,828 |
| Net loans and leases to deposits | 64.9065% | 4,385 |
| Net loans and leases to core deposits | 67.6115% | 4,499 |
| Total domestic deposits to total assets | 91.2705% | 318 |
| Equity capital to assets | 5.8465% | 6,542 |
| Core capital (leverage) ratio | 5.9566% | 6,540 |
| Tier 1 risk-based capital ratio | 9.0039% | 6,537 |
| Total risk-based capital ratio | 11.0575% | 6,419 |
| Memoranda: | ||
| Average total assets | $1,060,092,670 | 632 |
| Average earning assets | $964,682,330 | 628 |
| Average equity | $63,406,000 | 1,155 |
| Average total loans | $678,458,670 | 630 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0414% | 3,516 |
| Cost of funding earning assets | 1.0003% | 275 |
| Net interest margin | 3.0410% | 5,411 |
| Noninterest income to average assets | 0.2355% | 5,477 |
| Noninterest expense to average assets | 2.9517% | 3,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0689% | 6,089 |
| Return on assets (ROA) | 0.0689% | 6,114 |
| Pretax return on assets | 0.0689% | 6,124 |
| Return on Equity (ROE) | 1.1392% | 6,007 |
| Retained earnings to average equity (ytd only) | 1.1392% | 5,148 |
| Net charge-offs to loans | 1.5568% | 204 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.0679% | 3,428 |
| Efficiency ratio | 96.4923% | 616 |
| Assets per employee ($millions) | 4.0387% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7233% | 228 |
| Loan loss allowance to noncurrent loans | 32.8597% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 11.6047% | 81 |
| Noncurrent loans to loans | 11.3309% | 78 |
| Net loans and leases to total assets | 61.8707% | 3,259 |
| Net loans and leases to deposits | 67.2827% | 3,939 |
| Net loans and leases to core deposits | 70.0485% | 4,088 |
| Total domestic deposits to total assets | 91.9563% | 250 |
| Equity capital to assets | 6.1567% | 6,558 |
| Core capital (leverage) ratio | 6.3602% | 6,550 |
| Tier 1 risk-based capital ratio | 9.4445% | 6,554 |
| Total risk-based capital ratio | 11.5017% | 6,368 |
| Memoranda: | ||
| Average total assets | $1,068,387,000 | 629 |
| Average earning assets | $978,478,500 | 620 |
| Average equity | $64,605,000 | 1,130 |
| Average total loans | $696,033,000 | 623 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3244% | 2,867 |
| Cost of funding earning assets | 1.0550% | 349 |
| Net interest margin | 3.2695% | 4,778 |
| Noninterest income to average assets | 0.2164% | 5,786 |
| Noninterest expense to average assets | 3.1291% | 2,646 |
| Loan and lease loss provision to assets | 0.0640% | 3,851 |
| Net operating income to assets | 0.0051% | 6,206 |
| Return on assets (ROA) | 0.0048% | 6,245 |
| Pretax return on assets | 0.0048% | 6,226 |
| Return on Equity (ROE) | 0.0773% | 6,243 |
| Retained earnings to average equity (ytd only) | 0.0773% | 5,819 |
| Net charge-offs to loans | 3.7076% | 44 |
| Credit loss provision to net charge-offs | 2.3927% | 4,678 |
| Earnings coverage of net charge-offs (x) | 0.0258% | 5,086 |
| Efficiency ratio | 96.6165% | 608 |
| Assets per employee ($millions) | 4.1331% | 3,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9641% | 207 |
| Loan loss allowance to noncurrent loans | 27.5728% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 12.3666% | 74 |
| Noncurrent loans to loans | 14.3767% | 45 |
| Net loans and leases to total assets | 63.4053% | 3,143 |
| Net loans and leases to deposits | 68.8567% | 3,926 |
| Net loans and leases to core deposits | 71.7395% | 4,105 |
| Total domestic deposits to total assets | 92.0829% | 267 |
| Equity capital to assets | 5.9385% | 6,620 |
| Core capital (leverage) ratio | 6.2837% | 6,623 |
| Tier 1 risk-based capital ratio | 9.3547% | 6,621 |
| Total risk-based capital ratio | 11.4432% | 6,416 |
| Memoranda: | ||
| Average total assets | $1,094,163,800 | 601 |
| Average earning assets | $997,863,800 | 601 |
| Average equity | $67,231,000 | 1,069 |
| Average total loans | $789,086,200 | 532 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3892% | 2,628 |
| Cost of funding earning assets | 1.0679% | 361 |
| Net interest margin | 3.3213% | 4,565 |
| Noninterest income to average assets | 0.2697% | 5,521 |
| Noninterest expense to average assets | 3.2214% | 2,297 |
| Loan and lease loss provision to assets | 0.0849% | 3,362 |
| Net operating income to assets | -0.0160% | 6,313 |
| Return on assets (ROA) | -0.0160% | 6,358 |
| Pretax return on assets | -0.0160% | 6,334 |
| Return on Equity (ROE) | -0.2585% | 6,366 |
| Retained earnings to average equity (ytd only) | -0.2585% | 5,993 |
| Net charge-offs to loans | 4.2234% | 39 |
| Credit loss provision to net charge-offs | 2.7316% | 4,306 |
| Earnings coverage of net charge-offs (x) | 0.0222% | 4,851 |
| Efficiency ratio | 96.7185% | 586 |
| Assets per employee ($millions) | 3.9869% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3240% | 188 |
| Loan loss allowance to noncurrent loans | 29.6983% | 6,003 |
| Noncurrent assets plus other real estate owned to assets | 14.3527% | 57 |
| Noncurrent loans to loans | 14.5598% | 46 |
| Net loans and leases to total assets | 67.7808% | 2,328 |
| Net loans and leases to deposits | 74.0445% | 3,229 |
| Net loans and leases to core deposits | 76.9018% | 3,512 |
| Total domestic deposits to total assets | 91.5406% | 357 |
| Equity capital to assets | 6.1704% | 6,677 |
| Core capital (leverage) ratio | 6.4012% | 6,679 |
| Tier 1 risk-based capital ratio | 8.9449% | 6,726 |
| Total risk-based capital ratio | 11.0352% | 6,622 |
| Memoranda: | ||
| Average total assets | $1,099,055,500 | 602 |
| Average earning assets | $999,543,000 | 598 |
| Average equity | $68,085,000 | 1,056 |
| Average total loans | $808,989,000 | 516 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3864% | 2,622 |
| Cost of funding earning assets | 1.0719% | 384 |
| Net interest margin | 3.3146% | 4,514 |
| Noninterest income to average assets | 0.2166% | 5,890 |
| Noninterest expense to average assets | 3.3313% | 1,989 |
| Loan and lease loss provision to assets | 0.0804% | 3,449 |
| Net operating income to assets | -0.1757% | 6,472 |
| Return on assets (ROA) | -0.1757% | 6,507 |
| Pretax return on assets | -0.1757% | 6,481 |
| Return on Equity (ROE) | -2.8333% | 6,569 |
| Retained earnings to average equity (ytd only) | -2.8333% | 6,290 |
| Net charge-offs to loans | 4.6940% | 38 |
| Credit loss provision to net charge-offs | 2.2993% | 3,982 |
| Earnings coverage of net charge-offs (x) | -0.0273% | 4,560 |
| Efficiency ratio | 101.7606% | 433 |
| Assets per employee ($millions) | 4.0546% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8468% | 132 |
| Loan loss allowance to noncurrent loans | 33.4583% | 5,895 |
| Noncurrent assets plus other real estate owned to assets | 14.8807% | 63 |
| Noncurrent loans to loans | 14.4862% | 56 |
| Net loans and leases to total assets | 68.8850% | 2,080 |
| Net loans and leases to deposits | 75.0183% | 3,007 |
| Net loans and leases to core deposits | 77.8990% | 3,307 |
| Total domestic deposits to total assets | 91.8242% | 281 |
| Equity capital to assets | 6.0463% | 6,738 |
| Core capital (leverage) ratio | 6.0821% | 6,745 |
| Tier 1 risk-based capital ratio | 8.4731% | 6,789 |
| Total risk-based capital ratio | 10.5962% | 6,724 |
| Memoranda: | ||
| Average total assets | $1,119,877,330 | 591 |
| Average earning assets | $1,020,098,000 | 587 |
| Average equity | $69,459,330 | 1,041 |
| Average total loans | $833,864,330 | 498 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2985% | 2,896 |
| Cost of funding earning assets | 1.0742% | 422 |
| Net interest margin | 3.2243% | 4,829 |
| Noninterest income to average assets | 0.3991% | 4,463 |
| Noninterest expense to average assets | 3.0071% | 2,969 |
| Loan and lease loss provision to assets | 0.1573% | 2,297 |
| Net operating income to assets | 0.1789% | 5,952 |
| Return on assets (ROA) | 0.1789% | 6,062 |
| Pretax return on assets | 0.1789% | 6,114 |
| Return on Equity (ROE) | 2.8512% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.8512% | 4,568 |
| Net charge-offs to loans | 8.0112% | 20 |
| Credit loss provision to net charge-offs | 2.6025% | 3,220 |
| Earnings coverage of net charge-offs (x) | 0.0556% | 3,802 |
| Efficiency ratio | 88.8157% | 1,246 |
| Assets per employee ($millions) | 4.2786% | 3,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8168% | 151 |
| Loan loss allowance to noncurrent loans | 32.9403% | 5,914 |
| Noncurrent assets plus other real estate owned to assets | 14.6195% | 81 |
| Noncurrent loans to loans | 14.6230% | 84 |
| Net loans and leases to total assets | 69.6945% | 1,714 |
| Net loans and leases to deposits | 75.9184% | 2,650 |
| Net loans and leases to core deposits | 81.1465% | 2,672 |
| Total domestic deposits to total assets | 91.8019% | 283 |
| Equity capital to assets | 6.3694% | 6,798 |
| Core capital (leverage) ratio | 5.9541% | 6,809 |
| Tier 1 risk-based capital ratio | 8.2107% | 6,854 |
| Total risk-based capital ratio | 10.2921% | 6,807 |
| Memoranda: | ||
| Average total assets | $1,144,606,000 | 578 |
| Average earning assets | $1,045,194,500 | 577 |
| Average equity | $71,828,500 | 1,012 |
| Average total loans | $863,337,500 | 478 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 2,343 |
| Cost of funding earning assets | 1.2494% | 461 |
| Net interest margin | 3.5143% | 4,439 |
| Noninterest income to average assets | -0.1924% | 6,956 |
| Noninterest expense to average assets | 2.5713% | 4,852 |
| Loan and lease loss provision to assets | 3.0429% | 39 |
| Net operating income to assets | -2.5152% | 6,979 |
| Return on assets (ROA) | -2.2779% | 6,962 |
| Pretax return on assets | -2.3481% | 6,966 |
| Return on Equity (ROE) | -32.7412% | 6,965 |
| Retained earnings to average equity (ytd only) | -32.7412% | 6,949 |
| Net charge-offs to loans | 3.5243% | 107 |
| Credit loss provision to net charge-offs | 111.3447% | 2,620 |
| Earnings coverage of net charge-offs (x) | 0.1647% | 5,405 |
| Efficiency ratio | 83.9317% | 1,641 |
| Assets per employee ($millions) | 4.1714% | 3,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3006% | 61 |
| Loan loss allowance to noncurrent loans | 59.9135% | 4,659 |
| Noncurrent assets plus other real estate owned to assets | 11.9237% | 146 |
| Noncurrent loans to loans | 10.5161% | 206 |
| Net loans and leases to total assets | 72.6869% | 1,392 |
| Net loans and leases to deposits | 79.0691% | 2,395 |
| Net loans and leases to core deposits | 84.6212% | 2,476 |
| Total domestic deposits to total assets | 91.9283% | 253 |
| Equity capital to assets | 6.1838% | 6,876 |
| Core capital (leverage) ratio | 5.3679% | 6,908 |
| Tier 1 risk-based capital ratio | 7.7084% | 6,928 |
| Total risk-based capital ratio | 9.8212% | 6,889 |
| Memoranda: | ||
| Average total assets | $1,322,735,400 | 503 |
| Average earning assets | $1,209,689,200 | 495 |
| Average equity | $92,024,600 | 760 |
| Average total loans | $1,025,718,200 | 417 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7552% | 2,562 |
| Cost of funding earning assets | 1.2482% | 555 |
| Net interest margin | 3.5070% | 4,616 |
| Noninterest income to average assets | -0.1927% | 7,070 |
| Noninterest expense to average assets | 2.5158% | 5,031 |
| Loan and lease loss provision to assets | 3.2513% | 30 |
| Net operating income to assets | -2.7460% | 7,104 |
| Return on assets (ROA) | -2.4008% | 7,086 |
| Pretax return on assets | -2.4072% | 7,072 |
| Return on Equity (ROE) | -33.7118% | 7,079 |
| Retained earnings to average equity (ytd only) | -33.7118% | 7,071 |
| Net charge-offs to loans | 4.0116% | 87 |
| Credit loss provision to net charge-offs | 104.5269% | 2,820 |
| Earnings coverage of net charge-offs (x) | 0.1604% | 5,251 |
| Efficiency ratio | 82.3133% | 1,779 |
| Assets per employee ($millions) | 4.4090% | 3,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6741% | 88 |
| Loan loss allowance to noncurrent loans | 59.9425% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 10.8302% | 199 |
| Noncurrent loans to loans | 9.4660% | 279 |
| Net loans and leases to total assets | 69.9909% | 1,904 |
| Net loans and leases to deposits | 76.1352% | 2,963 |
| Net loans and leases to core deposits | 96.3986% | 1,380 |
| Total domestic deposits to total assets | 91.9297% | 214 |
| Equity capital to assets | 6.0695% | 6,980 |
| Core capital (leverage) ratio | 5.5300% | 6,976 |
| Tier 1 risk-based capital ratio | 7.7773% | 7,006 |
| Total risk-based capital ratio | 9.8520% | 6,971 |
| Memoranda: | ||
| Average total assets | $1,363,504,750 | 492 |
| Average earning assets | $1,247,088,500 | 486 |
| Average equity | $97,103,000 | 735 |
| Average total loans | $1,057,248,000 | 404 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 2,564 |
| Cost of funding earning assets | 1.2526% | 639 |
| Net interest margin | 3.5343% | 4,534 |
| Noninterest income to average assets | 0.1610% | 6,380 |
| Noninterest expense to average assets | 2.4232% | 5,374 |
| Loan and lease loss provision to assets | 1.1148% | 381 |
| Net operating income to assets | -0.1361% | 6,469 |
| Return on assets (ROA) | 0.3717% | 5,564 |
| Pretax return on assets | 0.3717% | 5,777 |
| Return on Equity (ROE) | 4.9926% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.9926% | 3,285 |
| Net charge-offs to loans | 1.5993% | 589 |
| Credit loss provision to net charge-offs | 88.7235% | 3,085 |
| Earnings coverage of net charge-offs (x) | 0.7789% | 4,670 |
| Efficiency ratio | 70.2398% | 3,727 |
| Assets per employee ($millions) | 4.4394% | 3,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9548% | 170 |
| Loan loss allowance to noncurrent loans | 63.1189% | 4,503 |
| Noncurrent assets plus other real estate owned to assets | 10.2197% | 247 |
| Noncurrent loans to loans | 7.8500% | 448 |
| Net loans and leases to total assets | 74.3125% | 1,205 |
| Net loans and leases to deposits | 82.0022% | 2,111 |
| Net loans and leases to core deposits | 103.8672% | 869 |
| Total domestic deposits to total assets | 90.6225% | 605 |
| Equity capital to assets | 7.7686% | 6,686 |
| Core capital (leverage) ratio | 7.3769% | 6,676 |
| Tier 1 risk-based capital ratio | 9.7162% | 6,885 |
| Total risk-based capital ratio | 11.7134% | 6,691 |
| Memoranda: | ||
| Average total assets | $1,390,330,670 | 484 |
| Average earning assets | $1,274,920,330 | 475 |
| Average equity | $103,513,000 | 684 |
| Average total loans | $1,092,323,670 | 396 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 2,570 |
| Cost of funding earning assets | 1.2655% | 730 |
| Net interest margin | 3.5506% | 4,484 |
| Noninterest income to average assets | 0.1482% | 6,497 |
| Noninterest expense to average assets | 2.3779% | 5,545 |
| Loan and lease loss provision to assets | 1.0566% | 383 |
| Net operating income to assets | -0.0189% | 6,448 |
| Return on assets (ROA) | 0.5500% | 4,809 |
| Pretax return on assets | 0.5500% | 5,283 |
| Return on Equity (ROE) | 7.5412% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.5412% | 2,158 |
| Net charge-offs to loans | 0.8502% | 1,207 |
| Credit loss provision to net charge-offs | 157.8283% | 1,608 |
| Earnings coverage of net charge-offs (x) | 1.5501% | 3,555 |
| Efficiency ratio | 68.6520% | 4,043 |
| Assets per employee ($millions) | 4.6531% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9095% | 189 |
| Loan loss allowance to noncurrent loans | 55.0749% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 9.6303% | 327 |
| Noncurrent loans to loans | 8.9141% | 390 |
| Net loans and leases to total assets | 75.3631% | 878 |
| Net loans and leases to deposits | 83.1909% | 1,770 |
| Net loans and leases to core deposits | 107.1637% | 636 |
| Total domestic deposits to total assets | 90.5905% | 752 |
| Equity capital to assets | 7.4997% | 6,779 |
| Core capital (leverage) ratio | 7.0697% | 6,815 |
| Tier 1 risk-based capital ratio | 9.3774% | 6,981 |
| Total risk-based capital ratio | 11.3777% | 6,839 |
| Memoranda: | ||
| Average total assets | $1,419,593,000 | 471 |
| Average earning assets | $1,306,359,000 | 459 |
| Average equity | $103,538,000 | 685 |
| Average total loans | $1,117,839,500 | 386 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0119% | 2,824 |
| Cost of funding earning assets | 1.4687% | 805 |
| Net interest margin | 3.5431% | 4,970 |
| Noninterest income to average assets | -2.2741% | 7,354 |
| Noninterest expense to average assets | 3.5655% | 1,816 |
| Loan and lease loss provision to assets | 3.8396% | 62 |
| Net operating income to assets | -6.4512% | 7,326 |
| Return on assets (ROA) | -6.3839% | 7,325 |
| Pretax return on assets | -6.4259% | 7,330 |
| Return on Equity (ROE) | -65.9518% | 7,263 |
| Retained earnings to average equity (ytd only) | -65.9518% | 7,263 |
| Net charge-offs to loans | 3.5883% | 203 |
| Credit loss provision to net charge-offs | 141.2901% | 2,071 |
| Earnings coverage of net charge-offs (x) | -0.9767% | 6,191 |
| Efficiency ratio | 233.9795% | 39 |
| Assets per employee ($millions) | 5.1327% | 2,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6255% | 235 |
| Loan loss allowance to noncurrent loans | 56.3125% | 4,696 |
| Noncurrent assets plus other real estate owned to assets | 9.2815% | 382 |
| Noncurrent loans to loans | 8.2140% | 480 |
| Net loans and leases to total assets | 74.6367% | 1,148 |
| Net loans and leases to deposits | 81.7399% | 2,239 |
| Net loans and leases to core deposits | 104.3278% | 881 |
| Total domestic deposits to total assets | 91.3101% | 398 |
| Equity capital to assets | 7.0967% | 6,936 |
| Core capital (leverage) ratio | 6.2308% | 7,022 |
| Tier 1 risk-based capital ratio | 8.8644% | 7,049 |
| Total risk-based capital ratio | 10.8572% | 6,936 |
| Memoranda: | ||
| Average total assets | $1,630,359,200 | 405 |
| Average earning assets | $1,465,704,400 | 404 |
| Average equity | $157,812,200 | 449 |
| Average total loans | $1,234,718,200 | 350 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 2,821 |
| Cost of funding earning assets | 1.4839% | 923 |
| Net interest margin | 3.5723% | 4,884 |
| Noninterest income to average assets | -0.1876% | 7,262 |
| Noninterest expense to average assets | 6.3696% | 174 |
| Loan and lease loss provision to assets | 2.1335% | 240 |
| Net operating income to assets | -4.0085% | 7,332 |
| Return on assets (ROA) | -3.9441% | 7,331 |
| Pretax return on assets | -5.4054% | 7,387 |
| Return on Equity (ROE) | -38.5177% | 7,246 |
| Retained earnings to average equity (ytd only) | -38.5177% | 7,240 |
| Net charge-offs to loans | 2.2863% | 520 |
| Credit loss provision to net charge-offs | 124.1143% | 2,591 |
| Earnings coverage of net charge-offs (x) | -1.9547% | 6,017 |
| Efficiency ratio | 150.1376% | 140 |
| Assets per employee ($millions) | 5.4286% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2737% | 676 |
| Loan loss allowance to noncurrent loans | 66.0545% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 6.6519% | 766 |
| Noncurrent loans to loans | 4.9561% | 1,261 |
| Net loans and leases to total assets | 74.1189% | 1,313 |
| Net loans and leases to deposits | 83.9915% | 2,000 |
| Net loans and leases to core deposits | 107.4109% | 788 |
| Total domestic deposits to total assets | 88.2458% | 1,899 |
| Equity capital to assets | 9.2129% | 5,493 |
| Core capital (leverage) ratio | 8.5700% | 5,599 |
| Tier 1 risk-based capital ratio | 11.5810% | 6,186 |
| Total risk-based capital ratio | 13.5156% | 5,674 |
| Memoranda: | ||
| Average total assets | $1,674,810,750 | 397 |
| Average earning assets | $1,498,959,500 | 394 |
| Average equity | $171,494,500 | 419 |
| Average total loans | $1,259,218,500 | 340 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 2,773 |
| Cost of funding earning assets | 1.4884% | 1,044 |
| Net interest margin | 3.5909% | 4,755 |
| Noninterest income to average assets | -0.3943% | 7,406 |
| Noninterest expense to average assets | 6.5077% | 168 |
| Loan and lease loss provision to assets | 2.2010% | 261 |
| Net operating income to assets | -4.5070% | 7,422 |
| Return on assets (ROA) | -4.4084% | 7,418 |
| Pretax return on assets | -5.7647% | 7,456 |
| Return on Equity (ROE) | -41.7662% | 7,317 |
| Retained earnings to average equity (ytd only) | -41.7662% | 7,314 |
| Net charge-offs to loans | 2.2505% | 570 |
| Credit loss provision to net charge-offs | 130.8463% | 2,336 |
| Earnings coverage of net charge-offs (x) | -2.1957% | 5,722 |
| Efficiency ratio | 134.9946% | 225 |
| Assets per employee ($millions) | 5.7287% | 1,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0973% | 821 |
| Loan loss allowance to noncurrent loans | 62.9780% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 6.6590% | 789 |
| Noncurrent loans to loans | 4.9181% | 1,337 |
| Net loans and leases to total assets | 72.4129% | 1,704 |
| Net loans and leases to deposits | 83.4193% | 2,196 |
| Net loans and leases to core deposits | 108.4628% | 787 |
| Total domestic deposits to total assets | 86.8060% | 2,852 |
| Equity capital to assets | 9.3011% | 5,132 |
| Core capital (leverage) ratio | 8.8344% | 4,993 |
| Tier 1 risk-based capital ratio | 12.0958% | 5,712 |
| Total risk-based capital ratio | 14.0397% | 5,071 |
| Memoranda: | ||
| Average total assets | $1,708,316,670 | 397 |
| Average earning assets | $1,526,425,330 | 396 |
| Average equity | $180,313,330 | 397 |
| Average total loans | $1,276,844,330 | 345 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1195% | 2,558 |
| Cost of funding earning assets | 1.4963% | 1,174 |
| Net interest margin | 3.6232% | 4,469 |
| Noninterest income to average assets | 0.3001% | 5,518 |
| Noninterest expense to average assets | 1.9916% | 6,838 |
| Loan and lease loss provision to assets | 1.1819% | 597 |
| Net operating income to assets | 0.2450% | 5,631 |
| Return on assets (ROA) | 0.2589% | 5,649 |
| Pretax return on assets | 0.3590% | 5,474 |
| Return on Equity (ROE) | 2.3189% | 5,676 |
| Retained earnings to average equity (ytd only) | 2.3189% | 4,758 |
| Net charge-offs to loans | 1.7938% | 725 |
| Credit loss provision to net charge-offs | 88.1438% | 2,970 |
| Earnings coverage of net charge-offs (x) | 1.1348% | 3,814 |
| Efficiency ratio | 55.9169% | 6,514 |
| Assets per employee ($millions) | 5.9542% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6301% | 1,279 |
| Loan loss allowance to noncurrent loans | 48.0872% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 8.3001% | 555 |
| Noncurrent loans to loans | 5.4694% | 1,198 |
| Net loans and leases to total assets | 71.7908% | 1,766 |
| Net loans and leases to deposits | 82.9588% | 2,191 |
| Net loans and leases to core deposits | 109.3076% | 768 |
| Total domestic deposits to total assets | 86.5379% | 3,214 |
| Equity capital to assets | 11.1512% | 2,539 |
| Core capital (leverage) ratio | 9.7499% | 3,447 |
| Tier 1 risk-based capital ratio | 13.0241% | 4,811 |
| Total risk-based capital ratio | 14.9606% | 4,243 |
| Memoranda: | ||
| Average total assets | $1,726,086,500 | 392 |
| Average earning assets | $1,530,686,000 | 397 |
| Average equity | $192,676,500 | 366 |
| Average total loans | $1,290,255,000 | 348 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4065% | 2,643 |
| Cost of funding earning assets | 1.7833% | 1,235 |
| Net interest margin | 3.6232% | 4,710 |
| Noninterest income to average assets | 0.3614% | 5,217 |
| Noninterest expense to average assets | 2.5116% | 5,747 |
| Loan and lease loss provision to assets | 1.7077% | 826 |
| Net operating income to assets | -0.3564% | 6,270 |
| Return on assets (ROA) | -0.1880% | 6,154 |
| Pretax return on assets | -0.3272% | 6,185 |
| Return on Equity (ROE) | -1.7504% | 6,143 |
| Retained earnings to average equity (ytd only) | -1.7504% | 5,925 |
| Net charge-offs to loans | 1.6465% | 1,317 |
| Credit loss provision to net charge-offs | 135.5428% | 2,864 |
| Earnings coverage of net charge-offs (x) | 0.8869% | 5,234 |
| Efficiency ratio | 68.4770% | 4,457 |
| Assets per employee ($millions) | 6.2076% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6312% | 1,253 |
| Loan loss allowance to noncurrent loans | 56.7698% | 4,613 |
| Noncurrent assets plus other real estate owned to assets | 7.4456% | 704 |
| Noncurrent loans to loans | 4.6349% | 1,509 |
| Net loans and leases to total assets | 73.7846% | 1,701 |
| Net loans and leases to deposits | 85.3941% | 2,209 |
| Net loans and leases to core deposits | 114.0149% | 729 |
| Total domestic deposits to total assets | 86.4048% | 3,135 |
| Equity capital to assets | 11.1742% | 2,533 |
| Core capital (leverage) ratio | 9.8533% | 3,259 |
| Tier 1 risk-based capital ratio | 12.7863% | 4,784 |
| Total risk-based capital ratio | 14.7159% | 4,203 |
| Memoranda: | ||
| Average total assets | $1,762,628,800 | 388 |
| Average earning assets | $1,589,622,200 | 384 |
| Average equity | $189,266,200 | 369 |
| Average total loans | $1,348,736,800 | 346 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 2,664 |
| Cost of funding earning assets | 1.8419% | 1,251 |
| Net interest margin | 3.6042% | 4,851 |
| Noninterest income to average assets | 0.3726% | 5,169 |
| Noninterest expense to average assets | 2.0959% | 6,855 |
| Loan and lease loss provision to assets | 1.0977% | 1,328 |
| Net operating income to assets | 0.3099% | 5,126 |
| Return on assets (ROA) | 0.4258% | 4,820 |
| Pretax return on assets | 0.6179% | 4,538 |
| Return on Equity (ROE) | 4.0045% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.0045% | 3,658 |
| Net charge-offs to loans | 1.1371% | 1,794 |
| Credit loss provision to net charge-offs | 125.8621% | 3,248 |
| Earnings coverage of net charge-offs (x) | 1.7746% | 4,387 |
| Efficiency ratio | 56.7980% | 6,440 |
| Assets per employee ($millions) | 6.3436% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2121% | 1,781 |
| Loan loss allowance to noncurrent loans | 64.1299% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 6.7506% | 826 |
| Noncurrent loans to loans | 3.4494% | 2,311 |
| Net loans and leases to total assets | 73.4127% | 1,928 |
| Net loans and leases to deposits | 92.2136% | 1,421 |
| Net loans and leases to core deposits | 112.6529% | 900 |
| Total domestic deposits to total assets | 79.6116% | 5,833 |
| Equity capital to assets | 11.2173% | 2,761 |
| Core capital (leverage) ratio | 10.1127% | 3,135 |
| Tier 1 risk-based capital ratio | 12.4806% | 5,001 |
| Total risk-based capital ratio | 14.3944% | 4,446 |
| Memoranda: | ||
| Average total assets | $1,773,410,500 | 384 |
| Average earning assets | $1,609,467,000 | 377 |
| Average equity | $188,547,750 | 367 |
| Average total loans | $1,360,167,750 | 346 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4785% | 2,616 |
| Cost of funding earning assets | 1.9193% | 1,167 |
| Net interest margin | 3.5592% | 5,007 |
| Noninterest income to average assets | 0.3866% | 5,021 |
| Noninterest expense to average assets | 2.0899% | 6,938 |
| Loan and lease loss provision to assets | 1.0819% | 1,329 |
| Net operating income to assets | 0.3324% | 5,053 |
| Return on assets (ROA) | 0.3369% | 5,195 |
| Pretax return on assets | 0.4809% | 4,960 |
| Return on Equity (ROE) | 3.2275% | 5,123 |
| Retained earnings to average equity (ytd only) | 3.2275% | 4,051 |
| Net charge-offs to loans | 1.3360% | 1,418 |
| Credit loss provision to net charge-offs | 104.8493% | 3,891 |
| Earnings coverage of net charge-offs (x) | 1.5083% | 4,358 |
| Efficiency ratio | 56.5927% | 6,561 |
| Assets per employee ($millions) | 6.4364% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 2,159 |
| Loan loss allowance to noncurrent loans | 55.1092% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 6.6913% | 818 |
| Noncurrent loans to loans | 3.6408% | 2,167 |
| Net loans and leases to total assets | 74.8651% | 1,723 |
| Net loans and leases to deposits | 91.5451% | 1,606 |
| Net loans and leases to core deposits | 110.0315% | 1,162 |
| Total domestic deposits to total assets | 81.7794% | 5,079 |
| Equity capital to assets | 11.1762% | 2,706 |
| Core capital (leverage) ratio | 9.7329% | 3,492 |
| Tier 1 risk-based capital ratio | 12.2821% | 5,050 |
| Total risk-based capital ratio | 14.2110% | 4,440 |
| Memoranda: | ||
| Average total assets | $1,774,593,670 | 386 |
| Average earning assets | $1,625,303,330 | 378 |
| Average equity | $185,220,330 | 375 |
| Average total loans | $1,370,658,670 | 346 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4671% | 2,748 |
| Cost of funding earning assets | 2.0262% | 1,007 |
| Net interest margin | 3.4409% | 5,420 |
| Noninterest income to average assets | 0.3620% | 5,244 |
| Noninterest expense to average assets | 1.7009% | 7,577 |
| Loan and lease loss provision to assets | 0.6717% | 1,887 |
| Net operating income to assets | 0.7816% | 3,050 |
| Return on assets (ROA) | 0.7901% | 3,127 |
| Pretax return on assets | 1.1743% | 2,460 |
| Return on Equity (ROE) | 7.8423% | 2,962 |
| Retained earnings to average equity (ytd only) | 7.8423% | 1,773 |
| Net charge-offs to loans | 0.8215% | 1,889 |
| Credit loss provision to net charge-offs | 105.3001% | 3,254 |
| Earnings coverage of net charge-offs (x) | 2.8740% | 3,111 |
| Efficiency ratio | 47.3868% | 7,481 |
| Assets per employee ($millions) | 6.4492% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9499% | 2,313 |
| Loan loss allowance to noncurrent loans | 43.9032% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 6.8744% | 792 |
| Noncurrent loans to loans | 4.4415% | 1,689 |
| Net loans and leases to total assets | 76.3665% | 1,466 |
| Net loans and leases to deposits | 89.6999% | 1,948 |
| Net loans and leases to core deposits | 108.0035% | 1,418 |
| Total domestic deposits to total assets | 85.1355% | 3,593 |
| Equity capital to assets | 10.6053% | 3,139 |
| Core capital (leverage) ratio | 8.6574% | 5,099 |
| Tier 1 risk-based capital ratio | 11.4473% | 5,720 |
| Total risk-based capital ratio | 13.3687% | 5,035 |
| Memoranda: | ||
| Average total assets | $1,786,534,500 | 398 |
| Average earning assets | $1,647,019,000 | 391 |
| Average equity | $179,999,000 | 388 |
| Average total loans | $1,387,234,000 | 355 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8287% | 2,534 |
| Cost of funding earning assets | 2.4788% | 1,074 |
| Net interest margin | 3.3499% | 5,554 |
| Noninterest income to average assets | 0.3769% | 5,397 |
| Noninterest expense to average assets | 1.6571% | 7,737 |
| Loan and lease loss provision to assets | 0.8232% | 2,663 |
| Net operating income to assets | 0.6925% | 2,965 |
| Return on assets (ROA) | 0.7049% | 2,979 |
| Pretax return on assets | 1.0521% | 2,401 |
| Return on Equity (ROE) | 7.2347% | 2,699 |
| Retained earnings to average equity (ytd only) | 7.2347% | 892 |
| Net charge-offs to loans | 0.5420% | 3,623 |
| Credit loss provision to net charge-offs | 190.3485% | 2,103 |
| Earnings coverage of net charge-offs (x) | 4.2930% | 2,997 |
| Efficiency ratio | 46.3859% | 7,696 |
| Assets per employee ($millions) | 6.7857% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8675% | 2,345 |
| Loan loss allowance to noncurrent loans | 31.1021% | 6,396 |
| Noncurrent assets plus other real estate owned to assets | 5.4458% | 1,079 |
| Noncurrent loans to loans | 6.0043% | 1,047 |
| Net loans and leases to total assets | 75.9778% | 1,805 |
| Net loans and leases to deposits | 90.0496% | 2,205 |
| Net loans and leases to core deposits | 151.2895% | 483 |
| Total domestic deposits to total assets | 84.3733% | 3,853 |
| Equity capital to assets | 9.5679% | 4,324 |
| Core capital (leverage) ratio | 8.5739% | 5,146 |
| Tier 1 risk-based capital ratio | 10.6517% | 6,250 |
| Total risk-based capital ratio | 12.5630% | 5,545 |
| Memoranda: | ||
| Average total assets | $1,724,874,600 | 407 |
| Average earning assets | $1,615,203,000 | 395 |
| Average equity | $168,064,000 | 409 |
| Average total loans | $1,376,372,600 | 359 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9222% | 2,347 |
| Cost of funding earning assets | 2.6378% | 934 |
| Net interest margin | 3.2844% | 5,703 |
| Noninterest income to average assets | 0.3886% | 5,402 |
| Noninterest expense to average assets | 1.7133% | 7,752 |
| Loan and lease loss provision to assets | 0.4079% | 3,878 |
| Net operating income to assets | 0.8951% | 2,441 |
| Return on assets (ROA) | 0.9120% | 2,449 |
| Pretax return on assets | 1.3702% | 1,770 |
| Return on Equity (ROE) | 9.3153% | 2,155 |
| Retained earnings to average equity (ytd only) | 9.3153% | 763 |
| Net charge-offs to loans | 0.2822% | 4,268 |
| Credit loss provision to net charge-offs | 179.6821% | 2,558 |
| Earnings coverage of net charge-offs (x) | 7.7215% | 2,362 |
| Efficiency ratio | 48.6331% | 7,639 |
| Assets per employee ($millions) | 6.3210% | 1,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 3,060 |
| Loan loss allowance to noncurrent loans | 83.6018% | 3,263 |
| Noncurrent assets plus other real estate owned to assets | 2.2799% | 3,003 |
| Noncurrent loans to loans | 1.8932% | 3,780 |
| Net loans and leases to total assets | 79.4161% | 1,304 |
| Net loans and leases to deposits | 98.1382% | 1,312 |
| Net loans and leases to core deposits | 155.1449% | 475 |
| Total domestic deposits to total assets | 80.9227% | 5,107 |
| Equity capital to assets | 10.1274% | 3,929 |
| Core capital (leverage) ratio | 8.9081% | 4,797 |
| Tier 1 risk-based capital ratio | 10.4804% | 6,488 |
| Total risk-based capital ratio | 12.3800% | 5,779 |
| Memoranda: | ||
| Average total assets | $1,699,756,250 | 424 |
| Average earning assets | $1,592,724,250 | 413 |
| Average equity | $166,418,250 | 422 |
| Average total loans | $1,367,152,750 | 376 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9266% | 2,472 |
| Cost of funding earning assets | 2.7942% | 807 |
| Net interest margin | 3.1324% | 6,146 |
| Noninterest income to average assets | 0.3862% | 5,410 |
| Noninterest expense to average assets | 1.7279% | 7,805 |
| Loan and lease loss provision to assets | 0.3780% | 3,660 |
| Net operating income to assets | 0.8130% | 2,806 |
| Return on assets (ROA) | 0.8131% | 2,901 |
| Pretax return on assets | 1.2179% | 2,249 |
| Return on Equity (ROE) | 8.4028% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.4028% | 1,090 |
| Net charge-offs to loans | 0.3105% | 3,636 |
| Credit loss provision to net charge-offs | 151.5152% | 3,035 |
| Earnings coverage of net charge-offs (x) | 6.3968% | 2,626 |
| Efficiency ratio | 51.1568% | 7,582 |
| Assets per employee ($millions) | 6.3257% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 3,074 |
| Loan loss allowance to noncurrent loans | 107.5894% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.6942% | 3,638 |
| Noncurrent loans to loans | 1.4153% | 4,381 |
| Net loans and leases to total assets | 78.8263% | 1,568 |
| Net loans and leases to deposits | 97.1858% | 1,640 |
| Net loans and leases to core deposits | 147.8668% | 700 |
| Total domestic deposits to total assets | 81.1089% | 5,034 |
| Equity capital to assets | 9.8218% | 4,189 |
| Core capital (leverage) ratio | 8.2970% | 5,803 |
| Tier 1 risk-based capital ratio | 10.3557% | 6,523 |
| Total risk-based capital ratio | 12.2690% | 5,783 |
| Memoranda: | ||
| Average total assets | $1,693,241,330 | 434 |
| Average earning assets | $1,587,847,330 | 422 |
| Average equity | $163,850,670 | 435 |
| Average total loans | $1,360,417,330 | 389 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9222% | 2,686 |
| Cost of funding earning assets | 2.8865% | 796 |
| Net interest margin | 3.0357% | 6,391 |
| Noninterest income to average assets | 0.3446% | 5,698 |
| Noninterest expense to average assets | 1.6227% | 7,895 |
| Loan and lease loss provision to assets | 0.3789% | 3,051 |
| Net operating income to assets | 0.7977% | 3,144 |
| Return on assets (ROA) | 0.7978% | 3,301 |
| Pretax return on assets | 1.1926% | 2,654 |
| Return on Equity (ROE) | 8.3077% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.3077% | 1,703 |
| Net charge-offs to loans | 0.2592% | 3,107 |
| Credit loss provision to net charge-offs | 181.6118% | 2,399 |
| Earnings coverage of net charge-offs (x) | 7.5312% | 2,333 |
| Efficiency ratio | 49.9370% | 7,594 |
| Assets per employee ($millions) | 6.5203% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4879% | 3,056 |
| Loan loss allowance to noncurrent loans | 82.1279% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 2.0338% | 2,842 |
| Noncurrent loans to loans | 1.8117% | 3,548 |
| Net loans and leases to total assets | 77.7627% | 1,878 |
| Net loans and leases to deposits | 95.4942% | 2,030 |
| Net loans and leases to core deposits | 142.7264% | 977 |
| Total domestic deposits to total assets | 81.4319% | 4,774 |
| Equity capital to assets | 9.4548% | 4,737 |
| Core capital (leverage) ratio | 8.2555% | 5,984 |
| Tier 1 risk-based capital ratio | 10.1538% | 6,757 |
| Total risk-based capital ratio | 12.0713% | 5,978 |
| Memoranda: | ||
| Average total assets | $1,689,055,500 | 433 |
| Average earning assets | $1,585,423,000 | 424 |
| Average equity | $162,211,500 | 436 |
| Average total loans | $1,359,596,500 | 390 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8775% | 1,473 |
| Cost of funding earning assets | 3.5599% | 445 |
| Net interest margin | 3.3176% | 5,974 |
| Noninterest income to average assets | 0.4569% | 4,987 |
| Noninterest expense to average assets | 1.6757% | 7,888 |
| Loan and lease loss provision to assets | 0.3455% | 3,633 |
| Net operating income to assets | 1.0110% | 2,505 |
| Return on assets (ROA) | 1.0192% | 2,364 |
| Pretax return on assets | 1.5316% | 1,592 |
| Return on Equity (ROE) | 11.0716% | 1,883 |
| Retained earnings to average equity (ytd only) | 11.0716% | 317 |
| Net charge-offs to loans | 0.2672% | 3,619 |
| Credit loss provision to net charge-offs | 153.8462% | 3,395 |
| Earnings coverage of net charge-offs (x) | 8.3031% | 2,902 |
| Efficiency ratio | 46.4740% | 7,902 |
| Assets per employee ($millions) | 5.9340% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 2,893 |
| Loan loss allowance to noncurrent loans | 92.1634% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.7742% | 2,761 |
| Noncurrent loans to loans | 1.5794% | 3,409 |
| Net loans and leases to total assets | 80.9420% | 1,454 |
| Net loans and leases to deposits | 101.3528% | 1,664 |
| Net loans and leases to core deposits | 149.0930% | 885 |
| Total domestic deposits to total assets | 79.8617% | 5,078 |
| Equity capital to assets | 9.7608% | 4,349 |
| Core capital (leverage) ratio | 8.3724% | 5,815 |
| Tier 1 risk-based capital ratio | 10.0636% | 6,672 |
| Total risk-based capital ratio | 11.9922% | 5,873 |
| Memoranda: | ||
| Average total assets | $1,562,817,000 | 451 |
| Average earning assets | $1,452,586,000 | 437 |
| Average equity | $143,864,000 | 483 |
| Average total loans | $1,313,512,400 | 397 |