Home > Live Oak Banking Company > Performance and Condition Ratios
Live Oak Banking Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7698% | 442 |
| Cost of funding earning assets | 3.5260% | 107 |
| Net interest margin | 3.2438% | 2,900 |
| Noninterest income to average assets | 0.7600% | 885 |
| Noninterest expense to average assets | 2.4316% | 2,498 |
| Loan and lease loss provision to assets | 0.8800% | 99 |
| Net operating income to assets | 0.4002% | 3,733 |
| Return on assets (ROA) | 0.4004% | 3,759 |
| Pretax return on assets | 0.5407% | 3,657 |
| Return on Equity (ROE) | 5.3500% | 3,475 |
| Retained earnings to average equity (ytd only) | 5.3511% | 2,480 |
| Net charge-offs to loans | 0.2504% | 460 |
| Credit loss provision to net charge-offs | 434.6324% | 576 |
| Earnings coverage of net charge-offs (x) | 6.9049% | 1,833 |
| Efficiency ratio | 63.1091% | 2,585 |
| Assets per employee ($millions) | 13.3042% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7193% | 628 |
| Loan loss allowance to noncurrent loans | 38.8049% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 3.6450% | 51 |
| Noncurrent loans to loans | 4.4306% | 96 |
| Net loans and leases to total assets | 80.5100% | 546 |
| Net loans and leases to deposits | 87.3538% | 1,362 |
| Net loans and leases to core deposits | 132.8527% | 301 |
| Total domestic deposits to total assets | 92.1600% | 251 |
| Equity capital to assets | 7.4187% | 3,889 |
| Core capital (leverage) ratio | 7.8957% | 4,312 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8981% | 2,525 |
| Memoranda: | ||
| Average total assets | $13,179,881,000 | 138 |
| Average earning assets | $12,579,424,000 | 129 |
| Average equity | $986,116,000 | 179 |
| Average total loans | $10,820,621,000 | 121 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1585% | 327 |
| Cost of funding earning assets | 3.8008% | 102 |
| Net interest margin | 3.3577% | 2,378 |
| Noninterest income to average assets | 0.9500% | 672 |
| Noninterest expense to average assets | 2.4779% | 2,373 |
| Loan and lease loss provision to assets | 0.8100% | 99 |
| Net operating income to assets | 0.7062% | 2,958 |
| Return on assets (ROA) | 0.7067% | 2,987 |
| Pretax return on assets | 0.8387% | 2,963 |
| Return on Equity (ROE) | 9.3300% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.3329% | 715 |
| Net charge-offs to loans | 0.4809% | 307 |
| Credit loss provision to net charge-offs | 189.2573% | 1,183 |
| Earnings coverage of net charge-offs (x) | 4.2267% | 2,674 |
| Efficiency ratio | 59.9981% | 3,162 |
| Assets per employee ($millions) | 12.9858% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 831 |
| Loan loss allowance to noncurrent loans | 45.5406% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 2.8763% | 91 |
| Noncurrent loans to loans | 3.4769% | 141 |
| Net loans and leases to total assets | 80.9900% | 536 |
| Net loans and leases to deposits | 88.0815% | 1,388 |
| Net loans and leases to core deposits | 138.1056% | 274 |
| Total domestic deposits to total assets | 91.9500% | 314 |
| Equity capital to assets | 7.5485% | 3,748 |
| Core capital (leverage) ratio | 8.0423% | 4,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2223% | 2,463 |
| Memoranda: | ||
| Average total assets | $11,960,999,000 | 148 |
| Average earning assets | $11,336,750,800 | 140 |
| Average equity | $905,754,400 | 185 |
| Average total loans | $9,710,240,800 | 130 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1921% | 321 |
| Cost of funding earning assets | 3.8115% | 110 |
| Net interest margin | 3.3806% | 2,275 |
| Noninterest income to average assets | 0.9400% | 669 |
| Noninterest expense to average assets | 2.4857% | 2,301 |
| Loan and lease loss provision to assets | 0.7200% | 105 |
| Net operating income to assets | 0.8126% | 2,649 |
| Return on assets (ROA) | 0.8133% | 2,665 |
| Pretax return on assets | 0.9367% | 2,725 |
| Return on Equity (ROE) | 10.7300% | 1,990 |
| Retained earnings to average equity (ytd only) | 10.7307% | 698 |
| Net charge-offs to loans | 0.1843% | 632 |
| Credit loss provision to net charge-offs | 426.8419% | 716 |
| Earnings coverage of net charge-offs (x) | 11.1176% | 2,079 |
| Efficiency ratio | 59.9617% | 3,166 |
| Assets per employee ($millions) | 12.8337% | 345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 726 |
| Loan loss allowance to noncurrent loans | 61.6591% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 2.2488% | 156 |
| Noncurrent loans to loans | 2.6851% | 247 |
| Net loans and leases to total assets | 80.0200% | 627 |
| Net loans and leases to deposits | 87.3524% | 1,499 |
| Net loans and leases to core deposits | 134.9340% | 315 |
| Total domestic deposits to total assets | 91.6100% | 249 |
| Equity capital to assets | 7.7863% | 3,837 |
| Core capital (leverage) ratio | 8.3896% | 4,160 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4250% | 2,425 |
| Memoranda: | ||
| Average total assets | $11,737,252,250 | 148 |
| Average earning assets | $11,107,505,750 | 144 |
| Average equity | $889,585,500 | 190 |
| Average total loans | $9,492,957,000 | 133 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2048% | 303 |
| Cost of funding earning assets | 3.8267% | 97 |
| Net interest margin | 3.3781% | 2,229 |
| Noninterest income to average assets | 0.9200% | 687 |
| Noninterest expense to average assets | 2.5281% | 2,166 |
| Loan and lease loss provision to assets | 0.5100% | 167 |
| Net operating income to assets | 0.9853% | 2,046 |
| Return on assets (ROA) | 0.9860% | 2,041 |
| Pretax return on assets | 1.0803% | 2,265 |
| Return on Equity (ROE) | 13.1400% | 1,337 |
| Retained earnings to average equity (ytd only) | 13.1398% | 428 |
| Net charge-offs to loans | 0.2466% | 451 |
| Credit loss provision to net charge-offs | 205.3521% | 999 |
| Earnings coverage of net charge-offs (x) | 7.9686% | 2,078 |
| Efficiency ratio | 61.4236% | 3,058 |
| Assets per employee ($millions) | 12.2654% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4458% | 1,231 |
| Loan loss allowance to noncurrent loans | 62.3517% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 1.9439% | 189 |
| Noncurrent loans to loans | 2.3188% | 297 |
| Net loans and leases to total assets | 79.7300% | 708 |
| Net loans and leases to deposits | 87.1360% | 1,557 |
| Net loans and leases to core deposits | 130.2133% | 404 |
| Total domestic deposits to total assets | 91.5000% | 351 |
| Equity capital to assets | 7.8611% | 3,521 |
| Core capital (leverage) ratio | 8.4800% | 4,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0921% | 2,219 |
| Memoranda: | ||
| Average total assets | $11,474,434,000 | 150 |
| Average earning assets | $10,837,423,333 | 144 |
| Average equity | $861,016,333 | 193 |
| Average total loans | $9,259,987,000 | 135 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1987% | 276 |
| Cost of funding earning assets | 3.8211% | 87 |
| Net interest margin | 3.3776% | 2,167 |
| Noninterest income to average assets | 0.8100% | 802 |
| Noninterest expense to average assets | 2.5831% | 2,014 |
| Loan and lease loss provision to assets | 0.5800% | 139 |
| Net operating income to assets | 0.9911% | 1,951 |
| Return on assets (ROA) | 0.9915% | 1,961 |
| Pretax return on assets | 0.8396% | 2,829 |
| Return on Equity (ROE) | 13.5500% | 1,228 |
| Retained earnings to average equity (ytd only) | 13.5498% | 546 |
| Net charge-offs to loans | 0.1387% | 594 |
| Credit loss provision to net charge-offs | 517.3569% | 502 |
| Earnings coverage of net charge-offs (x) | 12.6801% | 1,546 |
| Efficiency ratio | 64.5350% | 2,752 |
| Assets per employee ($millions) | 12.2118% | 404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,056 |
| Loan loss allowance to noncurrent loans | 68.1467% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 187 |
| Noncurrent loans to loans | 2.2121% | 280 |
| Net loans and leases to total assets | 79.4800% | 675 |
| Net loans and leases to deposits | 86.8161% | 1,468 |
| Net loans and leases to core deposits | 130.4151% | 409 |
| Total domestic deposits to total assets | 91.5500% | 412 |
| Equity capital to assets | 7.7930% | 3,504 |
| Core capital (leverage) ratio | 8.4202% | 4,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1185% | 2,205 |
| Memoranda: | ||
| Average total assets | $11,318,148,500 | 152 |
| Average earning assets | $10,677,325,000 | 148 |
| Average equity | $828,233,000 | 195 |
| Average total loans | $9,122,097,500 | 135 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9096% | 243 |
| Cost of funding earning assets | 3.4357% | 79 |
| Net interest margin | 3.4739% | 2,246 |
| Noninterest income to average assets | 0.9000% | 766 |
| Noninterest expense to average assets | 2.8665% | 1,344 |
| Loan and lease loss provision to assets | 0.4900% | 188 |
| Net operating income to assets | 0.7392% | 3,081 |
| Return on assets (ROA) | 0.7391% | 3,062 |
| Pretax return on assets | 0.8254% | 3,152 |
| Return on Equity (ROE) | 11.1900% | 2,174 |
| Retained earnings to average equity (ytd only) | 11.1913% | 754 |
| Net charge-offs to loans | 0.2528% | 421 |
| Credit loss provision to net charge-offs | 240.1301% | 1,100 |
| Earnings coverage of net charge-offs (x) | 6.4782% | 2,466 |
| Efficiency ratio | 68.5718% | 2,048 |
| Assets per employee ($millions) | 12.1016% | 405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3950% | 1,407 |
| Loan loss allowance to noncurrent loans | 68.6222% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.6943% | 203 |
| Noncurrent loans to loans | 2.0328% | 272 |
| Net loans and leases to total assets | 79.3800% | 719 |
| Net loans and leases to deposits | 85.7789% | 1,632 |
| Net loans and leases to core deposits | 132.6172% | 364 |
| Total domestic deposits to total assets | 92.5400% | 225 |
| Equity capital to assets | 6.8330% | 4,009 |
| Core capital (leverage) ratio | 7.4107% | 4,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6516% | 2,672 |
| Memoranda: | ||
| Average total assets | $10,555,755,400 | 154 |
| Average earning assets | $9,948,234,200 | 148 |
| Average equity | $697,137,800 | 216 |
| Average total loans | $8,455,072,000 | 140 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8236% | 227 |
| Cost of funding earning assets | 3.3376% | 75 |
| Net interest margin | 3.4860% | 2,242 |
| Noninterest income to average assets | 0.8900% | 781 |
| Noninterest expense to average assets | 2.7646% | 1,508 |
| Loan and lease loss provision to assets | 0.5400% | 142 |
| Net operating income to assets | 0.7672% | 3,116 |
| Return on assets (ROA) | 0.7671% | 3,115 |
| Pretax return on assets | 0.8670% | 3,185 |
| Return on Equity (ROE) | 11.7200% | 2,199 |
| Retained earnings to average equity (ytd only) | 11.7249% | 1,022 |
| Net charge-offs to loans | 0.2718% | 317 |
| Credit loss provision to net charge-offs | 249.7964% | 989 |
| Earnings coverage of net charge-offs (x) | 6.4869% | 2,285 |
| Efficiency ratio | 66.1868% | 2,256 |
| Assets per employee ($millions) | 11.6839% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 1,522 |
| Loan loss allowance to noncurrent loans | 83.6342% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.3961% | 285 |
| Noncurrent loans to loans | 1.6524% | 412 |
| Net loans and leases to total assets | 79.6400% | 690 |
| Net loans and leases to deposits | 85.7992% | 1,593 |
| Net loans and leases to core deposits | 126.9642% | 396 |
| Total domestic deposits to total assets | 92.8200% | 326 |
| Equity capital to assets | 6.5381% | 3,820 |
| Core capital (leverage) ratio | 7.3520% | 4,519 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5088% | 2,725 |
| Memoranda: | ||
| Average total assets | $10,393,177,500 | 155 |
| Average earning assets | $9,790,971,750 | 150 |
| Average equity | $679,994,500 | 218 |
| Average total loans | $8,313,618,750 | 141 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6614% | 224 |
| Cost of funding earning assets | 3.2022% | 62 |
| Net interest margin | 3.4593% | 2,367 |
| Noninterest income to average assets | 0.6800% | 1,182 |
| Noninterest expense to average assets | 2.8527% | 1,324 |
| Loan and lease loss provision to assets | 0.6300% | 113 |
| Net operating income to assets | 0.3668% | 4,058 |
| Return on assets (ROA) | 0.3668% | 4,077 |
| Pretax return on assets | 0.4586% | 4,031 |
| Return on Equity (ROE) | 5.6000% | 3,780 |
| Retained earnings to average equity (ytd only) | 5.6043% | 2,753 |
| Net charge-offs to loans | 0.1917% | 416 |
| Credit loss provision to net charge-offs | 409.6766% | 723 |
| Earnings coverage of net charge-offs (x) | 7.0977% | 2,100 |
| Efficiency ratio | 72.4091% | 1,514 |
| Assets per employee ($millions) | 11.2113% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4368% | 1,398 |
| Loan loss allowance to noncurrent loans | 72.8117% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 1.5392% | 229 |
| Noncurrent loans to loans | 1.9733% | 284 |
| Net loans and leases to total assets | 76.8800% | 958 |
| Net loans and leases to deposits | 82.7396% | 1,778 |
| Net loans and leases to core deposits | 124.1570% | 426 |
| Total domestic deposits to total assets | 92.9200% | 262 |
| Equity capital to assets | 6.4493% | 4,010 |
| Core capital (leverage) ratio | 7.2259% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3908% | 2,782 |
| Memoranda: | ||
| Average total assets | $10,235,553,667 | 153 |
| Average earning assets | $9,629,783,667 | 148 |
| Average equity | $669,847,667 | 215 |
| Average total loans | $8,159,746,667 | 138 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4570% | 190 |
| Cost of funding earning assets | 2.9496% | 39 |
| Net interest margin | 3.5075% | 2,341 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.9650% | 1,124 |
| Loan and lease loss provision to assets | 0.7600% | 92 |
| Net operating income to assets | 0.0379% | 4,459 |
| Return on assets (ROA) | 0.0384% | 4,442 |
| Pretax return on assets | 0.1704% | 4,364 |
| Return on Equity (ROE) | 0.5800% | 4,412 |
| Retained earnings to average equity (ytd only) | 0.5826% | 3,936 |
| Net charge-offs to loans | 0.3310% | 240 |
| Credit loss provision to net charge-offs | 285.2152% | 708 |
| Earnings coverage of net charge-offs (x) | 3.4881% | 1,884 |
| Efficiency ratio | 76.0643% | 1,160 |
| Assets per employee ($millions) | 10.8234% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 1,960 |
| Loan loss allowance to noncurrent loans | 78.4823% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 1.3456% | 263 |
| Noncurrent loans to loans | 1.6778% | 371 |
| Net loans and leases to total assets | 79.1400% | 627 |
| Net loans and leases to deposits | 85.2513% | 1,410 |
| Net loans and leases to core deposits | 131.3372% | 260 |
| Total domestic deposits to total assets | 92.8400% | 335 |
| Equity capital to assets | 6.4920% | 4,030 |
| Core capital (leverage) ratio | 7.2412% | 4,609 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2535% | 2,910 |
| Memoranda: | ||
| Average total assets | $9,994,320,500 | 159 |
| Average earning assets | $9,367,707,500 | 154 |
| Average equity | $659,152,500 | 222 |
| Average total loans | $8,059,533,000 | 144 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4137% | 171 |
| Cost of funding earning assets | 1.4055% | 40 |
| Net interest margin | 4.0082% | 780 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 3.3230% | 607 |
| Loan and lease loss provision to assets | 0.4600% | 135 |
| Net operating income to assets | 0.7318% | 3,528 |
| Return on assets (ROA) | 0.7305% | 3,475 |
| Pretax return on assets | 0.7280% | 3,797 |
| Return on Equity (ROE) | 9.9800% | 2,813 |
| Retained earnings to average equity (ytd only) | 9.9778% | 1,161 |
| Net charge-offs to loans | 0.1113% | 673 |
| Credit loss provision to net charge-offs | 514.3593% | 666 |
| Earnings coverage of net charge-offs (x) | 13.3286% | 2,077 |
| Efficiency ratio | 73.6342% | 1,253 |
| Assets per employee ($millions) | 10.3386% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,282 |
| Loan loss allowance to noncurrent loans | 81.4491% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 1.2174% | 313 |
| Noncurrent loans to loans | 1.5010% | 435 |
| Net loans and leases to total assets | 80.1100% | 581 |
| Net loans and leases to deposits | 86.8620% | 1,258 |
| Net loans and leases to core deposits | 127.9238% | 251 |
| Total domestic deposits to total assets | 92.2300% | 577 |
| Equity capital to assets | 6.7039% | 3,811 |
| Core capital (leverage) ratio | 7.6974% | 4,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9478% | 2,751 |
| Memoranda: | ||
| Average total assets | $8,934,133,600 | 176 |
| Average earning assets | $8,205,053,800 | 170 |
| Average equity | $654,101,400 | 223 |
| Average total loans | $7,150,883,400 | 156 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1311% | 176 |
| Cost of funding earning assets | 1.0832% | 43 |
| Net interest margin | 4.0479% | 581 |
| Noninterest income to average assets | 0.9100% | 806 |
| Noninterest expense to average assets | 3.3065% | 592 |
| Loan and lease loss provision to assets | 0.3200% | 209 |
| Net operating income to assets | 0.8287% | 3,141 |
| Return on assets (ROA) | 0.8271% | 3,113 |
| Pretax return on assets | 0.9821% | 3,069 |
| Return on Equity (ROE) | 11.0400% | 2,366 |
| Retained earnings to average equity (ytd only) | 11.0377% | 1,044 |
| Net charge-offs to loans | 0.1257% | 507 |
| Credit loss provision to net charge-offs | 324.0707% | 782 |
| Earnings coverage of net charge-offs (x) | 13.0594% | 1,899 |
| Efficiency ratio | 71.6048% | 1,579 |
| Assets per employee ($millions) | 10.1062% | 638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0593% | 3,203 |
| Loan loss allowance to noncurrent loans | 88.6377% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9700% | 464 |
| Noncurrent loans to loans | 1.1951% | 618 |
| Net loans and leases to total assets | 79.2500% | 597 |
| Net loans and leases to deposits | 85.7851% | 1,183 |
| Net loans and leases to core deposits | 121.4157% | 239 |
| Total domestic deposits to total assets | 92.3900% | 748 |
| Equity capital to assets | 6.8716% | 3,579 |
| Core capital (leverage) ratio | 7.7425% | 4,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3293% | 2,712 |
| Memoranda: | ||
| Average total assets | $8,732,936,500 | 178 |
| Average earning assets | $7,995,757,250 | 174 |
| Average equity | $654,404,500 | 224 |
| Average total loans | $6,963,907,500 | 158 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 191 |
| Cost of funding earning assets | 0.8524% | 72 |
| Net interest margin | 4.0484% | 448 |
| Noninterest income to average assets | 0.7944% | 1,058 |
| Noninterest expense to average assets | 3.2239% | 603 |
| Loan and lease loss provision to assets | 0.1658% | 558 |
| Net operating income to assets | 0.8994% | 2,585 |
| Return on assets (ROA) | 0.8977% | 2,564 |
| Pretax return on assets | 1.1033% | 2,398 |
| Return on Equity (ROE) | 11.6335% | 1,780 |
| Retained earnings to average equity (ytd only) | 11.6335% | 673 |
| Net charge-offs to loans | 0.1414% | 463 |
| Credit loss provision to net charge-offs | 147.2430% | 1,101 |
| Earnings coverage of net charge-offs (x) | 11.2888% | 1,734 |
| Efficiency ratio | 71.6818% | 1,754 |
| Assets per employee ($millions) | 10.4642% | 573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 3,858 |
| Loan loss allowance to noncurrent loans | 84.7167% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 596 |
| Noncurrent loans to loans | 1.1012% | 748 |
| Net loans and leases to total assets | 77.4484% | 602 |
| Net loans and leases to deposits | 84.7285% | 1,071 |
| Net loans and leases to core deposits | 119.1901% | 205 |
| Total domestic deposits to total assets | 91.4078% | 1,059 |
| Equity capital to assets | 7.2038% | 3,663 |
| Core capital (leverage) ratio | 7.8965% | 4,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4901% | 2,680 |
| Memoranda: | ||
| Average total assets | $8,568,256,667 | 177 |
| Average earning assets | $7,832,195,333 | 175 |
| Average equity | $661,193,333 | 219 |
| Average total loans | $6,821,533,000 | 158 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 197 |
| Cost of funding earning assets | 0.7548% | 113 |
| Net interest margin | 4.0620% | 365 |
| Noninterest income to average assets | 1.4754% | 364 |
| Noninterest expense to average assets | 2.9450% | 890 |
| Loan and lease loss provision to assets | 0.0881% | 940 |
| Net operating income to assets | 1.7578% | 360 |
| Return on assets (ROA) | 1.7554% | 365 |
| Pretax return on assets | 2.1908% | 259 |
| Return on Equity (ROE) | 21.9572% | 157 |
| Retained earnings to average equity (ytd only) | 21.9572% | 70 |
| Net charge-offs to loans | 0.1410% | 403 |
| Credit loss provision to net charge-offs | 77.7307% | 1,118 |
| Earnings coverage of net charge-offs (x) | 20.1359% | 1,278 |
| Efficiency ratio | 56.3079% | 3,853 |
| Assets per employee ($millions) | 10.4642% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9319% | 3,951 |
| Loan loss allowance to noncurrent loans | 71.5600% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 479 |
| Noncurrent loans to loans | 1.3022% | 672 |
| Net loans and leases to total assets | 78.5105% | 337 |
| Net loans and leases to deposits | 87.5976% | 642 |
| Net loans and leases to core deposits | 124.2878% | 121 |
| Total domestic deposits to total assets | 89.6263% | 1,757 |
| Equity capital to assets | 7.8069% | 3,724 |
| Core capital (leverage) ratio | 8.3812% | 3,987 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0026% | 2,605 |
| Memoranda: | ||
| Average total assets | $8,337,071,000 | 179 |
| Average earning assets | $7,699,843,000 | 177 |
| Average equity | $666,514,000 | 222 |
| Average total loans | $6,702,328,000 | 158 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 340 |
| Cost of funding earning assets | 0.8467% | 154 |
| Net interest margin | 3.9945% | 717 |
| Noninterest income to average assets | 1.4298% | 549 |
| Noninterest expense to average assets | 2.7189% | 1,578 |
| Loan and lease loss provision to assets | 0.1877% | 595 |
| Net operating income to assets | 1.7595% | 559 |
| Return on assets (ROA) | 1.7592% | 583 |
| Pretax return on assets | 2.1979% | 411 |
| Return on Equity (ROE) | 24.2804% | 137 |
| Retained earnings to average equity (ytd only) | 24.2804% | 28 |
| Net charge-offs to loans | 0.0606% | 1,176 |
| Credit loss provision to net charge-offs | 386.7277% | 925 |
| Earnings coverage of net charge-offs (x) | 49.1531% | 1,308 |
| Efficiency ratio | 53.2246% | 4,009 |
| Assets per employee ($millions) | 10.5792% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 3,909 |
| Loan loss allowance to noncurrent loans | 78.4707% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 1.0036% | 558 |
| Noncurrent loans to loans | 1.2207% | 789 |
| Net loans and leases to total assets | 80.8098% | 231 |
| Net loans and leases to deposits | 92.2966% | 450 |
| Net loans and leases to core deposits | 127.7636% | 112 |
| Total domestic deposits to total assets | 87.5545% | 2,261 |
| Equity capital to assets | 8.1916% | 4,237 |
| Core capital (leverage) ratio | 8.3220% | 4,094 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2625% | 2,542 |
| Memoranda: | ||
| Average total assets | $8,102,395,000 | 184 |
| Average earning assets | $7,454,579,400 | 183 |
| Average equity | $587,058,000 | 244 |
| Average total loans | $6,491,905,400 | 162 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8394% | 381 |
| Cost of funding earning assets | 0.8816% | 170 |
| Net interest margin | 3.9578% | 852 |
| Noninterest income to average assets | 1.3916% | 617 |
| Noninterest expense to average assets | 2.6912% | 1,613 |
| Loan and lease loss provision to assets | 0.1860% | 566 |
| Net operating income to assets | 1.8199% | 639 |
| Return on assets (ROA) | 1.8197% | 667 |
| Pretax return on assets | 2.1350% | 632 |
| Return on Equity (ROE) | 25.9668% | 153 |
| Retained earnings to average equity (ytd only) | 25.9668% | 46 |
| Net charge-offs to loans | 0.0809% | 860 |
| Credit loss provision to net charge-offs | 288.2338% | 1,026 |
| Earnings coverage of net charge-offs (x) | 35.9681% | 1,435 |
| Efficiency ratio | 53.6517% | 3,849 |
| Assets per employee ($millions) | 11.2107% | 452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9237% | 4,093 |
| Loan loss allowance to noncurrent loans | 62.7488% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 495 |
| Noncurrent loans to loans | 1.4720% | 719 |
| Net loans and leases to total assets | 79.4203% | 324 |
| Net loans and leases to deposits | 93.8493% | 421 |
| Net loans and leases to core deposits | 129.4572% | 125 |
| Total domestic deposits to total assets | 84.6254% | 3,258 |
| Equity capital to assets | 7.9116% | 4,560 |
| Core capital (leverage) ratio | 8.2384% | 4,268 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3345% | 2,603 |
| Memoranda: | ||
| Average total assets | $8,094,146,000 | 182 |
| Average earning assets | $7,405,342,000 | 180 |
| Average equity | $567,218,000 | 250 |
| Average total loans | $6,455,436,750 | 163 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7730% | 484 |
| Cost of funding earning assets | 0.9300% | 159 |
| Net interest margin | 3.8430% | 1,080 |
| Noninterest income to average assets | 1.3719% | 631 |
| Noninterest expense to average assets | 2.6292% | 1,777 |
| Loan and lease loss provision to assets | 0.1721% | 673 |
| Net operating income to assets | 1.8262% | 673 |
| Return on assets (ROA) | 1.8256% | 705 |
| Pretax return on assets | 2.0669% | 730 |
| Return on Equity (ROE) | 27.2144% | 142 |
| Retained earnings to average equity (ytd only) | 27.2144% | 56 |
| Net charge-offs to loans | 0.0444% | 1,189 |
| Credit loss provision to net charge-offs | 486.6713% | 688 |
| Earnings coverage of net charge-offs (x) | 63.3419% | 949 |
| Efficiency ratio | 53.9998% | 3,806 |
| Assets per employee ($millions) | 12.2308% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8891% | 4,182 |
| Loan loss allowance to noncurrent loans | 65.4933% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.1063% | 660 |
| Noncurrent loans to loans | 1.3575% | 858 |
| Net loans and leases to total assets | 79.1645% | 368 |
| Net loans and leases to deposits | 98.5141% | 298 |
| Net loans and leases to core deposits | 133.0803% | 114 |
| Total domestic deposits to total assets | 80.3585% | 4,178 |
| Equity capital to assets | 7.0661% | 4,833 |
| Core capital (leverage) ratio | 7.6289% | 4,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5973% | 2,832 |
| Memoranda: | ||
| Average total assets | $8,105,357,667 | 182 |
| Average earning assets | $7,375,848,333 | 179 |
| Average equity | $543,718,667 | 255 |
| Average total loans | $6,453,460,333 | 164 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8195% | 475 |
| Cost of funding earning assets | 0.9939% | 135 |
| Net interest margin | 3.8256% | 1,092 |
| Noninterest income to average assets | 1.4658% | 624 |
| Noninterest expense to average assets | 2.7508% | 1,489 |
| Loan and lease loss provision to assets | -0.0432% | 4,639 |
| Net operating income to assets | 1.9871% | 579 |
| Return on assets (ROA) | 1.9855% | 624 |
| Pretax return on assets | 2.2155% | 671 |
| Return on Equity (ROE) | 30.4152% | 132 |
| Retained earnings to average equity (ytd only) | 30.4152% | 73 |
| Net charge-offs to loans | -0.0612% | 4,474 |
| Credit loss provision to net charge-offs | 88.7195% | 1,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8540% | 3,562 |
| Assets per employee ($millions) | 13.3177% | 265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8023% | 4,405 |
| Loan loss allowance to noncurrent loans | 53.0778% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.2348% | 599 |
| Noncurrent loans to loans | 1.5115% | 827 |
| Net loans and leases to total assets | 77.7398% | 483 |
| Net loans and leases to deposits | 102.3875% | 233 |
| Net loans and leases to core deposits | 147.1783% | 78 |
| Total domestic deposits to total assets | 75.9271% | 4,585 |
| Equity capital to assets | 6.4679% | 4,906 |
| Core capital (leverage) ratio | 7.7624% | 4,690 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5865% | 2,794 |
| Memoranda: | ||
| Average total assets | $8,085,196,000 | 182 |
| Average earning assets | $7,310,500,500 | 179 |
| Average equity | $527,788,000 | 259 |
| Average total loans | $6,427,024,000 | 165 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6234% | 1,058 |
| Cost of funding earning assets | 1.5023% | 82 |
| Net interest margin | 3.1211% | 3,579 |
| Noninterest income to average assets | 0.9389% | 1,171 |
| Noninterest expense to average assets | 2.6450% | 2,401 |
| Loan and lease loss provision to assets | 0.5967% | 340 |
| Net operating income to assets | 0.6474% | 3,603 |
| Return on assets (ROA) | 0.6760% | 3,634 |
| Pretax return on assets | 0.5707% | 4,143 |
| Return on Equity (ROE) | 9.1465% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.1465% | 735 |
| Net charge-offs to loans | 0.2981% | 583 |
| Credit loss provision to net charge-offs | 266.3479% | 1,865 |
| Earnings coverage of net charge-offs (x) | 5.0837% | 2,908 |
| Efficiency ratio | 69.9027% | 1,960 |
| Assets per employee ($millions) | 13.1877% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 4,362 |
| Loan loss allowance to noncurrent loans | 59.3745% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1776% | 749 |
| Noncurrent loans to loans | 1.3938% | 978 |
| Net loans and leases to total assets | 80.0184% | 426 |
| Net loans and leases to deposits | 109.4729% | 170 |
| Net loans and leases to core deposits | 160.7912% | 70 |
| Total domestic deposits to total assets | 73.0942% | 4,677 |
| Equity capital to assets | 6.5916% | 4,950 |
| Core capital (leverage) ratio | 7.6036% | 4,810 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5012% | 2,803 |
| Memoranda: | ||
| Average total assets | $6,814,373,600 | 195 |
| Average earning assets | $6,211,387,400 | 194 |
| Average equity | $503,636,600 | 257 |
| Average total loans | $5,120,378,200 | 185 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 1,331 |
| Cost of funding earning assets | 1.6251% | 68 |
| Net interest margin | 2.9669% | 4,057 |
| Noninterest income to average assets | 1.1054% | 849 |
| Noninterest expense to average assets | 2.6820% | 2,306 |
| Loan and lease loss provision to assets | 0.6509% | 363 |
| Net operating income to assets | 0.3583% | 4,343 |
| Return on assets (ROA) | 0.3896% | 4,347 |
| Pretax return on assets | 0.5071% | 4,265 |
| Return on Equity (ROE) | 5.1067% | 3,863 |
| Retained earnings to average equity (ytd only) | 5.1067% | 2,514 |
| Net charge-offs to loans | 0.4073% | 391 |
| Credit loss provision to net charge-offs | 217.4509% | 2,046 |
| Earnings coverage of net charge-offs (x) | 3.7359% | 2,886 |
| Efficiency ratio | 70.5733% | 1,808 |
| Assets per employee ($millions) | 13.6145% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7099% | 4,565 |
| Loan loss allowance to noncurrent loans | 44.2060% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.2813% | 750 |
| Noncurrent loans to loans | 1.6060% | 880 |
| Net loans and leases to total assets | 76.7165% | 999 |
| Net loans and leases to deposits | 108.1993% | 266 |
| Net loans and leases to core deposits | 173.5135% | 63 |
| Total domestic deposits to total assets | 70.9030% | 4,722 |
| Equity capital to assets | 6.5650% | 4,985 |
| Core capital (leverage) ratio | 7.5930% | 4,842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1868% | 2,540 |
| Memoranda: | ||
| Average total assets | $6,559,589,500 | 198 |
| Average earning assets | $5,958,111,500 | 199 |
| Average equity | $500,458,000 | 256 |
| Average total loans | $4,820,334,500 | 189 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7520% | 1,276 |
| Cost of funding earning assets | 1.7869% | 50 |
| Net interest margin | 2.9650% | 4,201 |
| Noninterest income to average assets | 0.8503% | 1,287 |
| Noninterest expense to average assets | 3.0351% | 1,495 |
| Loan and lease loss provision to assets | 0.7179% | 379 |
| Net operating income to assets | -0.1458% | 4,846 |
| Return on assets (ROA) | -0.1273% | 4,844 |
| Pretax return on assets | -0.1987% | 4,849 |
| Return on Equity (ROE) | -1.5710% | 4,864 |
| Retained earnings to average equity (ytd only) | -1.5710% | 4,547 |
| Net charge-offs to loans | 0.2105% | 739 |
| Credit loss provision to net charge-offs | 474.8908% | 1,273 |
| Earnings coverage of net charge-offs (x) | 3.2793% | 2,692 |
| Efficiency ratio | 85.9601% | 536 |
| Assets per employee ($millions) | 13.5778% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7835% | 4,379 |
| Loan loss allowance to noncurrent loans | 50.6556% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 1.1320% | 997 |
| Noncurrent loans to loans | 1.5467% | 971 |
| Net loans and leases to total assets | 68.1846% | 2,317 |
| Net loans and leases to deposits | 94.9085% | 882 |
| Net loans and leases to core deposits | 157.8765% | 84 |
| Total domestic deposits to total assets | 71.8424% | 4,716 |
| Equity capital to assets | 6.1512% | 5,032 |
| Core capital (leverage) ratio | 7.3005% | 4,963 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0153% | 2,606 |
| Memoranda: | ||
| Average total assets | $6,059,523,667 | 209 |
| Average earning assets | $5,477,979,000 | 213 |
| Average equity | $490,902,000 | 260 |
| Average total loans | $4,351,312,667 | 205 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 287 |
| Cost of funding earning assets | 2.0604% | 27 |
| Net interest margin | 3.5593% | 2,791 |
| Noninterest income to average assets | 0.3774% | 3,251 |
| Noninterest expense to average assets | 3.7313% | 683 |
| Loan and lease loss provision to assets | 0.9442% | 234 |
| Net operating income to assets | -0.7505% | 4,963 |
| Return on assets (ROA) | -0.7611% | 4,946 |
| Pretax return on assets | -1.0950% | 4,965 |
| Return on Equity (ROE) | -7.8466% | 4,975 |
| Retained earnings to average equity (ytd only) | -7.8466% | 4,683 |
| Net charge-offs to loans | 0.3015% | 485 |
| Credit loss provision to net charge-offs | 421.2933% | 968 |
| Earnings coverage of net charge-offs (x) | -0.6131% | 2,493 |
| Efficiency ratio | 103.8232% | 196 |
| Assets per employee ($millions) | 8.7833% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9415% | 3,965 |
| Loan loss allowance to noncurrent loans | 37.7787% | 4,287 |
| Noncurrent assets plus other real estate owned to assets | 1.9575% | 439 |
| Noncurrent loans to loans | 2.4922% | 484 |
| Net loans and leases to total assets | 72.6508% | 1,833 |
| Net loans and leases to deposits | 81.1828% | 2,556 |
| Net loans and leases to core deposits | 131.6191% | 249 |
| Total domestic deposits to total assets | 89.4905% | 476 |
| Equity capital to assets | 9.3159% | 4,378 |
| Core capital (leverage) ratio | 9.0006% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7081% | 2,388 |
| Memoranda: | ||
| Average total assets | $4,995,567,500 | 240 |
| Average earning assets | $4,514,491,500 | 238 |
| Average equity | $484,540,000 | 264 |
| Average total loans | $3,713,644,000 | 229 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3316% | 137 |
| Cost of funding earning assets | 2.3196% | 13 |
| Net interest margin | 4.0120% | 1,816 |
| Noninterest income to average assets | 1.1927% | 665 |
| Noninterest expense to average assets | 3.5660% | 882 |
| Loan and lease loss provision to assets | 0.4565% | 296 |
| Net operating income to assets | 0.5854% | 4,204 |
| Return on assets (ROA) | 0.5975% | 4,226 |
| Pretax return on assets | 0.7573% | 4,064 |
| Return on Equity (ROE) | 5.5547% | 4,051 |
| Retained earnings to average equity (ytd only) | 5.5547% | 2,130 |
| Net charge-offs to loans | 0.1224% | 1,533 |
| Credit loss provision to net charge-offs | 516.5647% | 566 |
| Earnings coverage of net charge-offs (x) | 13.5626% | 2,348 |
| Efficiency ratio | 74.8460% | 1,509 |
| Assets per employee ($millions) | 8.2327% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 1,768 |
| Loan loss allowance to noncurrent loans | 62.8888% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 1.7183% | 536 |
| Noncurrent loans to loans | 2.1229% | 591 |
| Net loans and leases to total assets | 74.4142% | 1,678 |
| Net loans and leases to deposits | 84.1411% | 2,313 |
| Net loans and leases to core deposits | 133.4106% | 235 |
| Total domestic deposits to total assets | 88.4398% | 915 |
| Equity capital to assets | 10.1156% | 3,818 |
| Core capital (leverage) ratio | 9.6837% | 3,869 |
| Tier 1 risk-based capital ratio | 13.6113% | 3,453 |
| Total risk-based capital ratio | 14.8638% | 3,364 |
| Memoranda: | ||
| Average total assets | $4,256,219,200 | 254 |
| Average earning assets | $3,789,225,000 | 255 |
| Average equity | $457,792,200 | 262 |
| Average total loans | $3,071,897,000 | 247 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3794% | 132 |
| Cost of funding earning assets | 2.3347% | 14 |
| Net interest margin | 4.0447% | 1,786 |
| Noninterest income to average assets | 1.0865% | 777 |
| Noninterest expense to average assets | 3.5556% | 898 |
| Loan and lease loss provision to assets | 0.4276% | 306 |
| Net operating income to assets | 0.5374% | 4,434 |
| Return on assets (ROA) | 0.5409% | 4,481 |
| Pretax return on assets | 0.6992% | 4,343 |
| Return on Equity (ROE) | 4.9434% | 4,343 |
| Retained earnings to average equity (ytd only) | 4.9434% | 2,917 |
| Net charge-offs to loans | 0.1296% | 1,229 |
| Credit loss provision to net charge-offs | 463.0473% | 674 |
| Earnings coverage of net charge-offs (x) | 12.1545% | 2,382 |
| Efficiency ratio | 76.0079% | 1,332 |
| Assets per employee ($millions) | 8.4949% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,039 |
| Loan loss allowance to noncurrent loans | 52.9532% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.8957% | 491 |
| Noncurrent loans to loans | 2.4244% | 490 |
| Net loans and leases to total assets | 72.1180% | 2,159 |
| Net loans and leases to deposits | 81.9362% | 2,688 |
| Net loans and leases to core deposits | 125.7930% | 369 |
| Total domestic deposits to total assets | 88.0173% | 1,028 |
| Equity capital to assets | 10.4424% | 3,596 |
| Core capital (leverage) ratio | 10.0175% | 3,623 |
| Tier 1 risk-based capital ratio | 13.8577% | 3,395 |
| Total risk-based capital ratio | 15.1090% | 3,306 |
| Memoranda: | ||
| Average total assets | $4,122,418,750 | 262 |
| Average earning assets | $3,660,406,750 | 262 |
| Average equity | $451,070,500 | 271 |
| Average total loans | $2,936,434,750 | 261 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2305% | 162 |
| Cost of funding earning assets | 2.3027% | 15 |
| Net interest margin | 3.9278% | 2,161 |
| Noninterest income to average assets | 1.1541% | 640 |
| Noninterest expense to average assets | 3.5789% | 869 |
| Loan and lease loss provision to assets | 0.3052% | 450 |
| Net operating income to assets | 0.6094% | 4,285 |
| Return on assets (ROA) | 0.6110% | 4,316 |
| Pretax return on assets | 0.7538% | 4,210 |
| Return on Equity (ROE) | 5.4881% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.4881% | 2,524 |
| Net charge-offs to loans | 0.0422% | 2,052 |
| Credit loss provision to net charge-offs | 1,025.2115% | 336 |
| Earnings coverage of net charge-offs (x) | 35.5025% | 1,325 |
| Efficiency ratio | 77.2004% | 1,247 |
| Assets per employee ($millions) | 8.4774% | 561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2340% | 2,339 |
| Loan loss allowance to noncurrent loans | 57.8290% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 626 |
| Noncurrent loans to loans | 2.1339% | 640 |
| Net loans and leases to total assets | 71.5578% | 2,273 |
| Net loans and leases to deposits | 81.4560% | 2,794 |
| Net loans and leases to core deposits | 123.1189% | 452 |
| Total domestic deposits to total assets | 87.8485% | 1,172 |
| Equity capital to assets | 11.0051% | 3,051 |
| Core capital (leverage) ratio | 10.5764% | 3,004 |
| Tier 1 risk-based capital ratio | 14.4306% | 3,098 |
| Total risk-based capital ratio | 15.6809% | 3,015 |
| Memoranda: | ||
| Average total assets | $3,970,308,330 | 271 |
| Average earning assets | $3,519,374,000 | 274 |
| Average equity | $442,050,330 | 272 |
| Average total loans | $2,800,230,000 | 269 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1014% | 188 |
| Cost of funding earning assets | 2.2819% | 15 |
| Net interest margin | 3.8196% | 2,451 |
| Noninterest income to average assets | 1.1255% | 640 |
| Noninterest expense to average assets | 3.3140% | 1,259 |
| Loan and lease loss provision to assets | 0.2714% | 509 |
| Net operating income to assets | 0.7441% | 3,791 |
| Return on assets (ROA) | 0.7464% | 3,830 |
| Pretax return on assets | 0.9219% | 3,693 |
| Return on Equity (ROE) | 6.6607% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.6607% | 2,175 |
| Net charge-offs to loans | 0.0098% | 2,339 |
| Credit loss provision to net charge-offs | 3,995.3846% | 108 |
| Earnings coverage of net charge-offs (x) | 175.2615% | 437 |
| Efficiency ratio | 73.5709% | 1,802 |
| Assets per employee ($millions) | 8.4512% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 2,248 |
| Loan loss allowance to noncurrent loans | 49.4493% | 4,266 |
| Noncurrent assets plus other real estate owned to assets | 1.7917% | 593 |
| Noncurrent loans to loans | 2.5591% | 505 |
| Net loans and leases to total assets | 67.8149% | 2,775 |
| Net loans and leases to deposits | 77.3732% | 3,124 |
| Net loans and leases to core deposits | 118.3087% | 573 |
| Total domestic deposits to total assets | 87.6465% | 1,499 |
| Equity capital to assets | 11.0468% | 2,801 |
| Core capital (leverage) ratio | 11.0211% | 2,558 |
| Tier 1 risk-based capital ratio | 14.8901% | 2,923 |
| Total risk-based capital ratio | 16.1374% | 2,856 |
| Memoranda: | ||
| Average total assets | $3,827,629,500 | 279 |
| Average earning assets | $3,386,153,000 | 282 |
| Average equity | $428,905,500 | 278 |
| Average total loans | $2,658,690,500 | 279 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6510% | 298 |
| Cost of funding earning assets | 1.8631% | 18 |
| Net interest margin | 3.7879% | 2,701 |
| Noninterest income to average assets | 2.9073% | 156 |
| Noninterest expense to average assets | 3.8754% | 619 |
| Loan and lease loss provision to assets | 0.3925% | 357 |
| Net operating income to assets | 2.0487% | 321 |
| Return on assets (ROA) | 2.0507% | 321 |
| Pretax return on assets | 1.9978% | 566 |
| Return on Equity (ROE) | 18.3586% | 357 |
| Retained earnings to average equity (ytd only) | 18.3586% | 49 |
| Net charge-offs to loans | 0.2120% | 905 |
| Credit loss provision to net charge-offs | 269.0278% | 1,115 |
| Earnings coverage of net charge-offs (x) | 16.3700% | 2,249 |
| Efficiency ratio | 61.8701% | 3,558 |
| Assets per employee ($millions) | 7.6440% | 754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,136 |
| Loan loss allowance to noncurrent loans | 56.2522% | 4,193 |
| Noncurrent assets plus other real estate owned to assets | 1.6321% | 679 |
| Noncurrent loans to loans | 2.2777% | 560 |
| Net loans and leases to total assets | 69.4270% | 2,668 |
| Net loans and leases to deposits | 79.2947% | 3,029 |
| Net loans and leases to core deposits | 120.2963% | 533 |
| Total domestic deposits to total assets | 87.5557% | 1,505 |
| Equity capital to assets | 11.3828% | 2,344 |
| Core capital (leverage) ratio | 10.4791% | 3,053 |
| Tier 1 risk-based capital ratio | 13.3518% | 3,628 |
| Total risk-based capital ratio | 14.5711% | 3,535 |
| Memoranda: | ||
| Average total assets | $3,299,535,400 | 302 |
| Average earning assets | $2,923,706,800 | 305 |
| Average equity | $368,562,400 | 306 |
| Average total loans | $2,270,361,200 | 308 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 371 |
| Cost of funding earning assets | 1.7966% | 17 |
| Net interest margin | 3.6904% | 3,056 |
| Noninterest income to average assets | 3.3813% | 142 |
| Noninterest expense to average assets | 4.1302% | 440 |
| Loan and lease loss provision to assets | 0.2548% | 615 |
| Net operating income to assets | 2.1801% | 271 |
| Return on assets (ROA) | 2.1814% | 266 |
| Pretax return on assets | 2.2727% | 356 |
| Return on Equity (ROE) | 19.6336% | 294 |
| Retained earnings to average equity (ytd only) | 19.6336% | 59 |
| Net charge-offs to loans | 0.2196% | 775 |
| Credit loss provision to net charge-offs | 169.6527% | 1,570 |
| Earnings coverage of net charge-offs (x) | 16.8192% | 2,142 |
| Efficiency ratio | 62.0480% | 3,504 |
| Assets per employee ($millions) | 7.0908% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 2,753 |
| Loan loss allowance to noncurrent loans | 51.0535% | 4,382 |
| Noncurrent assets plus other real estate owned to assets | 1.5974% | 784 |
| Noncurrent loans to loans | 2.3067% | 592 |
| Net loans and leases to total assets | 66.6292% | 3,109 |
| Net loans and leases to deposits | 76.7470% | 3,349 |
| Net loans and leases to core deposits | 109.8417% | 1,043 |
| Total domestic deposits to total assets | 86.8167% | 1,814 |
| Equity capital to assets | 11.5311% | 2,242 |
| Core capital (leverage) ratio | 10.3545% | 3,232 |
| Tier 1 risk-based capital ratio | 13.9705% | 3,391 |
| Total risk-based capital ratio | 15.0515% | 3,375 |
| Memoranda: | ||
| Average total assets | $3,220,521,000 | 307 |
| Average earning assets | $2,858,117,500 | 307 |
| Average equity | $357,813,750 | 308 |
| Average total loans | $2,202,257,500 | 313 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 377 |
| Cost of funding earning assets | 1.7295% | 15 |
| Net interest margin | 3.6813% | 3,004 |
| Noninterest income to average assets | 3.6696% | 124 |
| Noninterest expense to average assets | 4.1775% | 425 |
| Loan and lease loss provision to assets | 0.4010% | 308 |
| Net operating income to assets | 2.1384% | 284 |
| Return on assets (ROA) | 2.1384% | 278 |
| Pretax return on assets | 2.3690% | 288 |
| Return on Equity (ROE) | 19.5109% | 297 |
| Retained earnings to average equity (ytd only) | 19.5109% | 75 |
| Net charge-offs to loans | 0.1214% | 1,203 |
| Credit loss provision to net charge-offs | 480.5914% | 727 |
| Earnings coverage of net charge-offs (x) | 33.2009% | 1,420 |
| Efficiency ratio | 60.1293% | 3,915 |
| Assets per employee ($millions) | 7.2702% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2782% | 2,280 |
| Loan loss allowance to noncurrent loans | 63.6879% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 1.4043% | 981 |
| Noncurrent loans to loans | 2.0070% | 744 |
| Net loans and leases to total assets | 66.5939% | 3,065 |
| Net loans and leases to deposits | 75.9734% | 3,339 |
| Net loans and leases to core deposits | 109.9371% | 1,008 |
| Total domestic deposits to total assets | 87.6542% | 1,560 |
| Equity capital to assets | 10.9559% | 2,675 |
| Core capital (leverage) ratio | 9.6544% | 3,937 |
| Tier 1 risk-based capital ratio | 13.7081% | 3,505 |
| Total risk-based capital ratio | 14.9214% | 3,435 |
| Memoranda: | ||
| Average total assets | $3,161,862,670 | 306 |
| Average earning assets | $2,815,343,330 | 308 |
| Average equity | $346,534,330 | 309 |
| Average total loans | $2,173,000,670 | 313 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0464% | 632 |
| Cost of funding earning assets | 1.5400% | 37 |
| Net interest margin | 3.5064% | 3,513 |
| Noninterest income to average assets | 3.9250% | 121 |
| Noninterest expense to average assets | 4.1879% | 417 |
| Loan and lease loss provision to assets | 0.5783% | 177 |
| Net operating income to assets | 2.0421% | 333 |
| Return on assets (ROA) | 2.0421% | 336 |
| Pretax return on assets | 2.2859% | 326 |
| Return on Equity (ROE) | 18.6290% | 349 |
| Retained earnings to average equity (ytd only) | 18.6290% | 131 |
| Net charge-offs to loans | 0.1008% | 1,184 |
| Credit loss provision to net charge-offs | 826.1770% | 404 |
| Earnings coverage of net charge-offs (x) | 40.9171% | 1,054 |
| Efficiency ratio | 59.3850% | 4,151 |
| Assets per employee ($millions) | 7.5768% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 2,245 |
| Loan loss allowance to noncurrent loans | 76.5349% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.1315% | 1,367 |
| Noncurrent loans to loans | 1.6992% | 1,006 |
| Net loans and leases to total assets | 63.1295% | 3,418 |
| Net loans and leases to deposits | 71.5753% | 3,653 |
| Net loans and leases to core deposits | 113.4917% | 829 |
| Total domestic deposits to total assets | 88.2002% | 1,505 |
| Equity capital to assets | 10.5097% | 3,068 |
| Core capital (leverage) ratio | 11.1410% | 2,294 |
| Tier 1 risk-based capital ratio | 13.4892% | 3,654 |
| Total risk-based capital ratio | 14.6585% | 3,627 |
| Memoranda: | ||
| Average total assets | $3,034,296,000 | 315 |
| Average earning assets | $2,706,026,000 | 317 |
| Average equity | $332,621,000 | 323 |
| Average total loans | $2,107,015,000 | 319 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3051% | 364 |
| Cost of funding earning assets | 1.2345% | 61 |
| Net interest margin | 4.0706% | 1,530 |
| Noninterest income to average assets | 7.6081% | 73 |
| Noninterest expense to average assets | 5.2775% | 187 |
| Loan and lease loss provision to assets | 0.4576% | 296 |
| Net operating income to assets | 5.3302% | 29 |
| Return on assets (ROA) | 5.3302% | 29 |
| Pretax return on assets | 5.6081% | 39 |
| Return on Equity (ROE) | 54.6826% | 9 |
| Retained earnings to average equity (ytd only) | 54.6826% | 3 |
| Net charge-offs to loans | 0.2107% | 1,235 |
| Credit loss provision to net charge-offs | 275.3305% | 1,013 |
| Earnings coverage of net charge-offs (x) | 36.4940% | 1,338 |
| Efficiency ratio | 46.5255% | 5,382 |
| Assets per employee ($millions) | 5.9789% | 1,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 2,786 |
| Loan loss allowance to noncurrent loans | 103.5590% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9331% | 1,660 |
| Noncurrent loans to loans | 1.1581% | 1,535 |
| Net loans and leases to total assets | 75.5129% | 1,680 |
| Net loans and leases to deposits | 86.9029% | 2,148 |
| Net loans and leases to core deposits | 135.3817% | 264 |
| Total domestic deposits to total assets | 86.8935% | 2,048 |
| Equity capital to assets | 11.5392% | 2,172 |
| Core capital (leverage) ratio | 11.3604% | 2,053 |
| Tier 1 risk-based capital ratio | 12.8863% | 3,979 |
| Total risk-based capital ratio | 14.0195% | 3,945 |
| Memoranda: | ||
| Average total assets | $2,138,828,600 | 387 |
| Average earning assets | $1,962,574,600 | 383 |
| Average equity | $208,483,000 | 425 |
| Average total loans | $1,687,172,000 | 354 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4189% | 292 |
| Cost of funding earning assets | 1.2128% | 63 |
| Net interest margin | 4.2061% | 1,138 |
| Noninterest income to average assets | 4.5013% | 128 |
| Noninterest expense to average assets | 5.5509% | 177 |
| Loan and lease loss provision to assets | 0.3821% | 371 |
| Net operating income to assets | 1.8818% | 403 |
| Return on assets (ROA) | 1.8818% | 408 |
| Pretax return on assets | 2.4619% | 221 |
| Return on Equity (ROE) | 20.5609% | 198 |
| Retained earnings to average equity (ytd only) | 20.5609% | 48 |
| Net charge-offs to loans | 0.2220% | 980 |
| Credit loss provision to net charge-offs | 215.9970% | 1,273 |
| Earnings coverage of net charge-offs (x) | 16.0755% | 2,188 |
| Efficiency ratio | 66.1217% | 3,188 |
| Assets per employee ($millions) | 4.9585% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1351% | 3,278 |
| Loan loss allowance to noncurrent loans | 94.5275% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0558% | 1,591 |
| Noncurrent loans to loans | 1.2008% | 1,593 |
| Net loans and leases to total assets | 79.0955% | 1,111 |
| Net loans and leases to deposits | 89.1733% | 1,909 |
| Net loans and leases to core deposits | 134.7175% | 273 |
| Total domestic deposits to total assets | 88.6986% | 1,014 |
| Equity capital to assets | 9.4841% | 4,462 |
| Core capital (leverage) ratio | 8.7784% | 4,991 |
| Tier 1 risk-based capital ratio | 11.2577% | 5,103 |
| Total risk-based capital ratio | 12.4665% | 5,025 |
| Memoranda: | ||
| Average total assets | $2,006,885,750 | 412 |
| Average earning assets | $1,857,827,500 | 405 |
| Average equity | $183,677,750 | 469 |
| Average total loans | $1,599,447,500 | 372 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3750% | 287 |
| Cost of funding earning assets | 1.1573% | 71 |
| Net interest margin | 4.2176% | 1,045 |
| Noninterest income to average assets | 4.8176% | 118 |
| Noninterest expense to average assets | 5.7127% | 171 |
| Loan and lease loss provision to assets | 0.3517% | 406 |
| Net operating income to assets | 1.9288% | 353 |
| Return on assets (ROA) | 1.9288% | 361 |
| Pretax return on assets | 2.6547% | 163 |
| Return on Equity (ROE) | 21.3941% | 164 |
| Retained earnings to average equity (ytd only) | 21.3941% | 47 |
| Net charge-offs to loans | 0.2261% | 900 |
| Credit loss provision to net charge-offs | 195.4812% | 1,295 |
| Earnings coverage of net charge-offs (x) | 16.7089% | 1,964 |
| Efficiency ratio | 65.5190% | 3,432 |
| Assets per employee ($millions) | 4.8910% | 2,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 3,238 |
| Loan loss allowance to noncurrent loans | 90.3649% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 1.1349% | 1,523 |
| Noncurrent loans to loans | 1.2853% | 1,498 |
| Net loans and leases to total assets | 79.5193% | 1,021 |
| Net loans and leases to deposits | 89.1986% | 1,838 |
| Net loans and leases to core deposits | 168.7091% | 72 |
| Total domestic deposits to total assets | 89.1486% | 887 |
| Equity capital to assets | 8.5967% | 5,229 |
| Core capital (leverage) ratio | 7.8451% | 5,577 |
| Tier 1 risk-based capital ratio | 9.5397% | 5,706 |
| Total risk-based capital ratio | 10.7602% | 5,693 |
| Memoranda: | ||
| Average total assets | $1,894,053,670 | 431 |
| Average earning assets | $1,752,123,670 | 425 |
| Average equity | $170,757,670 | 493 |
| Average total loans | $1,507,133,670 | 391 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 541 |
| Cost of funding earning assets | 1.1017% | 95 |
| Net interest margin | 3.8784% | 1,857 |
| Noninterest income to average assets | 5.2439% | 110 |
| Noninterest expense to average assets | 6.0276% | 160 |
| Loan and lease loss provision to assets | 0.3369% | 363 |
| Net operating income to assets | 1.5002% | 809 |
| Return on assets (ROA) | 1.5002% | 837 |
| Pretax return on assets | 2.4730% | 223 |
| Return on Equity (ROE) | 16.1920% | 505 |
| Retained earnings to average equity (ytd only) | 16.1920% | 194 |
| Net charge-offs to loans | 0.4302% | 429 |
| Credit loss provision to net charge-offs | 99.0747% | 1,626 |
| Earnings coverage of net charge-offs (x) | 8.2631% | 2,074 |
| Efficiency ratio | 68.2053% | 3,162 |
| Assets per employee ($millions) | 4.4677% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 3,117 |
| Loan loss allowance to noncurrent loans | 80.6659% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.3054% | 1,302 |
| Noncurrent loans to loans | 1.4920% | 1,343 |
| Net loans and leases to total assets | 80.3615% | 791 |
| Net loans and leases to deposits | 90.8079% | 1,448 |
| Net loans and leases to core deposits | 150.7737% | 103 |
| Total domestic deposits to total assets | 88.4962% | 1,426 |
| Equity capital to assets | 9.1851% | 4,630 |
| Core capital (leverage) ratio | 8.1184% | 5,499 |
| Tier 1 risk-based capital ratio | 10.0085% | 5,693 |
| Total risk-based capital ratio | 11.2635% | 5,660 |
| Memoranda: | ||
| Average total assets | $1,779,734,500 | 455 |
| Average earning assets | $1,649,015,500 | 449 |
| Average equity | $164,896,000 | 506 |
| Average total loans | $1,406,807,500 | 412 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5949% | 1,294 |
| Cost of funding earning assets | 1.0879% | 106 |
| Net interest margin | 3.5070% | 3,402 |
| Noninterest income to average assets | 6.5450% | 90 |
| Noninterest expense to average assets | 6.2547% | 150 |
| Loan and lease loss provision to assets | 0.9155% | 118 |
| Net operating income to assets | 1.5861% | 702 |
| Return on assets (ROA) | 1.5861% | 729 |
| Pretax return on assets | 2.5906% | 177 |
| Return on Equity (ROE) | 16.7101% | 434 |
| Retained earnings to average equity (ytd only) | 16.7101% | 77 |
| Net charge-offs to loans | 0.1726% | 1,582 |
| Credit loss provision to net charge-offs | 719.6326% | 500 |
| Earnings coverage of net charge-offs (x) | 27.5591% | 1,509 |
| Efficiency ratio | 64.0804% | 3,925 |
| Assets per employee ($millions) | 4.2952% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 2,085 |
| Loan loss allowance to noncurrent loans | 76.3160% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4997% | 1,110 |
| Noncurrent loans to loans | 1.8328% | 1,034 |
| Net loans and leases to total assets | 75.4681% | 1,607 |
| Net loans and leases to deposits | 85.6605% | 2,225 |
| Net loans and leases to core deposits | 137.9981% | 196 |
| Total domestic deposits to total assets | 88.1015% | 1,586 |
| Equity capital to assets | 9.3528% | 4,423 |
| Core capital (leverage) ratio | 8.4109% | 5,356 |
| Tier 1 risk-based capital ratio | 10.6838% | 5,493 |
| Total risk-based capital ratio | 11.9394% | 5,406 |
| Memoranda: | ||
| Average total assets | $1,369,298,200 | 540 |
| Average earning assets | $1,255,615,200 | 541 |
| Average equity | $129,975,000 | 617 |
| Average total loans | $1,009,067,000 | 509 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 1,059 |
| Cost of funding earning assets | 1.0633% | 119 |
| Net interest margin | 3.6383% | 2,933 |
| Noninterest income to average assets | 6.6803% | 91 |
| Noninterest expense to average assets | 6.6060% | 147 |
| Loan and lease loss provision to assets | 0.9009% | 117 |
| Net operating income to assets | 1.5262% | 835 |
| Return on assets (ROA) | 1.5263% | 883 |
| Pretax return on assets | 2.4987% | 216 |
| Return on Equity (ROE) | 16.0020% | 546 |
| Retained earnings to average equity (ytd only) | 16.0020% | 107 |
| Net charge-offs to loans | 0.1322% | 1,648 |
| Credit loss provision to net charge-offs | 936.6379% | 436 |
| Earnings coverage of net charge-offs (x) | 35.3438% | 1,337 |
| Efficiency ratio | 66.0237% | 3,590 |
| Assets per employee ($millions) | 4.1629% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 2,363 |
| Loan loss allowance to noncurrent loans | 107.3024% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.0221% | 2,020 |
| Noncurrent loans to loans | 1.2718% | 1,760 |
| Net loans and leases to total assets | 68.4507% | 2,732 |
| Net loans and leases to deposits | 76.9989% | 3,288 |
| Net loans and leases to core deposits | 129.3742% | 309 |
| Total domestic deposits to total assets | 88.8983% | 961 |
| Equity capital to assets | 8.6021% | 5,471 |
| Core capital (leverage) ratio | 8.2090% | 5,568 |
| Tier 1 risk-based capital ratio | 10.2618% | 5,714 |
| Total risk-based capital ratio | 11.5214% | 5,643 |
| Memoranda: | ||
| Average total assets | $1,286,398,500 | 573 |
| Average earning assets | $1,175,678,500 | 572 |
| Average equity | $122,698,500 | 655 |
| Average total loans | $935,872,750 | 540 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 890 |
| Cost of funding earning assets | 1.0601% | 114 |
| Net interest margin | 3.7376% | 2,561 |
| Noninterest income to average assets | 6.7356% | 89 |
| Noninterest expense to average assets | 7.0311% | 135 |
| Loan and lease loss provision to assets | 0.8275% | 127 |
| Net operating income to assets | 1.3813% | 1,095 |
| Return on assets (ROA) | 1.3813% | 1,161 |
| Pretax return on assets | 2.2732% | 327 |
| Return on Equity (ROE) | 13.8658% | 859 |
| Retained earnings to average equity (ytd only) | 13.8658% | 196 |
| Net charge-offs to loans | -0.0018% | 4,364 |
| Credit loss provision to net charge-offs | -61,075.0000% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3962% | 3,074 |
| Assets per employee ($millions) | 3.6078% | 4,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 3,318 |
| Loan loss allowance to noncurrent loans | 94.6482% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 1.2033% | 1,726 |
| Noncurrent loans to loans | 1.2753% | 1,782 |
| Net loans and leases to total assets | 75.8788% | 1,509 |
| Net loans and leases to deposits | 86.4708% | 2,192 |
| Net loans and leases to core deposits | 135.3807% | 229 |
| Total domestic deposits to total assets | 87.7508% | 1,549 |
| Equity capital to assets | 9.8948% | 4,346 |
| Core capital (leverage) ratio | 8.7787% | 5,085 |
| Tier 1 risk-based capital ratio | 11.1150% | 5,358 |
| Total risk-based capital ratio | 12.3407% | 5,289 |
| Memoranda: | ||
| Average total assets | $1,180,957,330 | 618 |
| Average earning assets | $1,073,093,000 | 616 |
| Average equity | $117,642,000 | 683 |
| Average total loans | $877,079,000 | 572 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7445% | 963 |
| Cost of funding earning assets | 0.9789% | 190 |
| Net interest margin | 3.7656% | 2,420 |
| Noninterest income to average assets | 7.7320% | 78 |
| Noninterest expense to average assets | 7.2676% | 131 |
| Loan and lease loss provision to assets | 0.5175% | 231 |
| Net operating income to assets | 2.0487% | 304 |
| Return on assets (ROA) | 2.0487% | 318 |
| Pretax return on assets | 3.3463% | 102 |
| Return on Equity (ROE) | 20.4842% | 213 |
| Retained earnings to average equity (ytd only) | 20.4842% | 83 |
| Net charge-offs to loans | 0.1152% | 1,428 |
| Credit loss provision to net charge-offs | 617.6724% | 517 |
| Earnings coverage of net charge-offs (x) | 46.1164% | 930 |
| Efficiency ratio | 65.2889% | 3,924 |
| Assets per employee ($millions) | 3.5699% | 4,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 4,536 |
| Loan loss allowance to noncurrent loans | 58.1063% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 1.4791% | 1,390 |
| Noncurrent loans to loans | 1.7426% | 1,279 |
| Net loans and leases to total assets | 69.8062% | 2,374 |
| Net loans and leases to deposits | 79.1410% | 2,889 |
| Net loans and leases to core deposits | 125.0947% | 351 |
| Total domestic deposits to total assets | 88.2049% | 1,528 |
| Equity capital to assets | 9.4257% | 4,743 |
| Core capital (leverage) ratio | 8.8358% | 5,044 |
| Tier 1 risk-based capital ratio | 10.7252% | 5,653 |
| Total risk-based capital ratio | 11.7102% | 5,680 |
| Memoranda: | ||
| Average total assets | $1,107,605,000 | 651 |
| Average earning assets | $999,904,500 | 660 |
| Average equity | $110,778,000 | 726 |
| Average total loans | $805,757,000 | 618 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7122% | 1,078 |
| Cost of funding earning assets | 1.0148% | 164 |
| Net interest margin | 3.6973% | 2,757 |
| Noninterest income to average assets | 9.6436% | 67 |
| Noninterest expense to average assets | 7.9938% | 108 |
| Loan and lease loss provision to assets | 0.4627% | 258 |
| Net operating income to assets | 2.7519% | 111 |
| Return on assets (ROA) | 2.7529% | 111 |
| Pretax return on assets | 4.4583% | 60 |
| Return on Equity (ROE) | 26.5728% | 83 |
| Retained earnings to average equity (ytd only) | 22.4898% | 52 |
| Net charge-offs to loans | 0.1296% | 2,076 |
| Credit loss provision to net charge-offs | 476.9424% | 655 |
| Earnings coverage of net charge-offs (x) | 50.7043% | 990 |
| Efficiency ratio | 61.9034% | 4,621 |
| Assets per employee ($millions) | 3.2326% | 5,259 |
| Cash dividends to net income (ytd only)* | 15.3653% | 3,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9749% | 4,738 |
| Loan loss allowance to noncurrent loans | 59.9580% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 1.4905% | 1,360 |
| Noncurrent loans to loans | 1.6260% | 1,408 |
| Net loans and leases to total assets | 74.6773% | 1,616 |
| Net loans and leases to deposits | 86.3308% | 2,088 |
| Net loans and leases to core deposits | 146.4556% | 128 |
| Total domestic deposits to total assets | 86.5014% | 2,377 |
| Equity capital to assets | 10.6906% | 3,147 |
| Core capital (leverage) ratio | 9.7524% | 3,833 |
| Tier 1 risk-based capital ratio | 12.2773% | 4,775 |
| Total risk-based capital ratio | 13.2251% | 4,869 |
| Memoranda: | ||
| Average total assets | $822,479,800 | 844 |
| Average earning assets | $727,332,400 | 876 |
| Average equity | $85,207,400 | 897 |
| Average total loans | $615,815,000 | 758 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6788% | 1,136 |
| Cost of funding earning assets | 1.0296% | 155 |
| Net interest margin | 3.6492% | 2,964 |
| Noninterest income to average assets | 9.7276% | 71 |
| Noninterest expense to average assets | 8.2056% | 105 |
| Loan and lease loss provision to assets | 0.4019% | 298 |
| Net operating income to assets | 2.6283% | 140 |
| Return on assets (ROA) | 2.6296% | 144 |
| Pretax return on assets | 4.3345% | 67 |
| Return on Equity (ROE) | 25.6491% | 104 |
| Retained earnings to average equity (ytd only) | 19.8184% | 66 |
| Net charge-offs to loans | 0.1366% | 1,767 |
| Credit loss provision to net charge-offs | 393.7710% | 774 |
| Earnings coverage of net charge-offs (x) | 46.3855% | 1,116 |
| Efficiency ratio | 63.4129% | 4,348 |
| Assets per employee ($millions) | 3.1976% | 5,291 |
| Cash dividends to net income (ytd only)* | 22.7326% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8746% | 5,287 |
| Loan loss allowance to noncurrent loans | 33.4639% | 5,368 |
| Noncurrent assets plus other real estate owned to assets | 1.9474% | 1,064 |
| Noncurrent loans to loans | 2.6137% | 753 |
| Net loans and leases to total assets | 73.6641% | 1,795 |
| Net loans and leases to deposits | 84.3257% | 2,369 |
| Net loans and leases to core deposits | 131.8582% | 257 |
| Total domestic deposits to total assets | 87.3567% | 1,864 |
| Equity capital to assets | 10.6429% | 3,421 |
| Core capital (leverage) ratio | 9.9170% | 3,748 |
| Tier 1 risk-based capital ratio | 12.9528% | 4,451 |
| Total risk-based capital ratio | 13.8381% | 4,596 |
| Memoranda: | ||
| Average total assets | $775,957,250 | 895 |
| Average earning assets | $683,063,250 | 942 |
| Average equity | $79,553,750 | 961 |
| Average total loans | $579,621,750 | 809 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 1,189 |
| Cost of funding earning assets | 1.0381% | 138 |
| Net interest margin | 3.6013% | 3,089 |
| Noninterest income to average assets | 10.7546% | 66 |
| Noninterest expense to average assets | 8.4540% | 101 |
| Loan and lease loss provision to assets | 0.3134% | 463 |
| Net operating income to assets | 3.1291% | 87 |
| Return on assets (ROA) | 3.1291% | 88 |
| Pretax return on assets | 5.1499% | 57 |
| Return on Equity (ROE) | 31.0398% | 58 |
| Retained earnings to average equity (ytd only) | 21.4418% | 68 |
| Net charge-offs to loans | 0.1304% | 1,714 |
| Credit loss provision to net charge-offs | 321.0826% | 888 |
| Earnings coverage of net charge-offs (x) | 55.9658% | 882 |
| Efficiency ratio | 60.7442% | 4,870 |
| Assets per employee ($millions) | 3.0497% | 5,531 |
| Cash dividends to net income (ytd only)* | 30.9217% | 2,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,398 |
| Loan loss allowance to noncurrent loans | 26.3605% | 5,574 |
| Noncurrent assets plus other real estate owned to assets | 2.3315% | 857 |
| Noncurrent loans to loans | 3.3096% | 548 |
| Net loans and leases to total assets | 69.7133% | 2,360 |
| Net loans and leases to deposits | 78.6875% | 2,941 |
| Net loans and leases to core deposits | 119.9133% | 468 |
| Total domestic deposits to total assets | 88.5951% | 1,362 |
| Equity capital to assets | 9.4222% | 4,748 |
| Core capital (leverage) ratio | 8.5043% | 5,527 |
| Tier 1 risk-based capital ratio | 10.9205% | 5,751 |
| Total risk-based capital ratio | 11.7710% | 5,858 |
| Memoranda: | ||
| Average total assets | $719,114,670 | 970 |
| Average earning assets | $631,555,000 | 1,012 |
| Average equity | $72,494,000 | 1,062 |
| Average total loans | $538,371,670 | 878 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0388% | 540 |
| Cost of funding earning assets | 1.0243% | 158 |
| Net interest margin | 4.0145% | 1,509 |
| Noninterest income to average assets | 12.2592% | 61 |
| Noninterest expense to average assets | 8.5627% | 105 |
| Loan and lease loss provision to assets | 0.6564% | 142 |
| Net operating income to assets | 4.0049% | 57 |
| Return on assets (ROA) | 4.0049% | 60 |
| Pretax return on assets | 6.5684% | 45 |
| Return on Equity (ROE) | 38.1240% | 37 |
| Retained earnings to average equity (ytd only) | 22.9231% | 62 |
| Net charge-offs to loans | 0.1967% | 1,148 |
| Credit loss provision to net charge-offs | 429.0837% | 617 |
| Earnings coverage of net charge-offs (x) | 47.2271% | 873 |
| Efficiency ratio | 54.2370% | 5,660 |
| Assets per employee ($millions) | 2.8390% | 5,841 |
| Cash dividends to net income (ytd only)* | 39.8722% | 2,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 5,056 |
| Loan loss allowance to noncurrent loans | 27.6908% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 2.7901% | 708 |
| Noncurrent loans to loans | 3.5960% | 518 |
| Net loans and leases to total assets | 76.6789% | 1,109 |
| Net loans and leases to deposits | 89.4389% | 1,446 |
| Net loans and leases to core deposits | 122.0375% | 367 |
| Total domestic deposits to total assets | 85.7333% | 3,074 |
| Equity capital to assets | 11.1980% | 2,756 |
| Core capital (leverage) ratio | 8.6705% | 5,353 |
| Tier 1 risk-based capital ratio | 12.4420% | 4,951 |
| Total risk-based capital ratio | 13.4736% | 5,006 |
| Memoranda: | ||
| Average total assets | $656,292,000 | 1,056 |
| Average earning assets | $576,805,000 | 1,098 |
| Average equity | $68,943,500 | 1,117 |
| Average total loans | $510,511,000 | 922 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 505 |
| Cost of funding earning assets | 1.0723% | 158 |
| Net interest margin | 4.1450% | 1,449 |
| Noninterest income to average assets | 11.9457% | 58 |
| Noninterest expense to average assets | 9.1526% | 84 |
| Loan and lease loss provision to assets | 0.5385% | 269 |
| Net operating income to assets | 4.2369% | 52 |
| Return on assets (ROA) | 4.2265% | 52 |
| Pretax return on assets | 5.7705% | 47 |
| Return on Equity (ROE) | 38.5817% | 25 |
| Retained earnings to average equity (ytd only) | 20.0875% | 67 |
| Net charge-offs to loans | 0.2858% | 1,518 |
| Credit loss provision to net charge-offs | 251.9856% | 1,011 |
| Earnings coverage of net charge-offs (x) | 29.5884% | 1,354 |
| Efficiency ratio | 59.1410% | 5,331 |
| Assets per employee ($millions) | 3.1703% | 5,470 |
| Cash dividends to net income (ytd only)* | 47.9350% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 5,509 |
| Loan loss allowance to noncurrent loans | 23.5757% | 5,777 |
| Noncurrent assets plus other real estate owned to assets | 3.0067% | 668 |
| Noncurrent loans to loans | 3.7726% | 517 |
| Net loans and leases to total assets | 77.4528% | 1,076 |
| Net loans and leases to deposits | 87.4321% | 1,800 |
| Net loans and leases to core deposits | 129.1267% | 259 |
| Total domestic deposits to total assets | 88.5863% | 1,475 |
| Equity capital to assets | 9.7634% | 4,399 |
| Core capital (leverage) ratio | 9.3389% | 4,478 |
| Tier 1 risk-based capital ratio | 12.4334% | 5,073 |
| Total risk-based capital ratio | 13.3647% | 5,194 |
| Memoranda: | ||
| Average total assets | $518,463,400 | 1,296 |
| Average earning assets | $441,564,800 | 1,383 |
| Average equity | $56,796,400 | 1,290 |
| Average total loans | $387,624,000 | 1,141 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2031% | 520 |
| Cost of funding earning assets | 1.0993% | 145 |
| Net interest margin | 4.1038% | 1,564 |
| Noninterest income to average assets | 12.5616% | 59 |
| Noninterest expense to average assets | 8.9903% | 83 |
| Loan and lease loss provision to assets | 0.3843% | 447 |
| Net operating income to assets | 6.2462% | 30 |
| Return on assets (ROA) | 6.2462% | 30 |
| Pretax return on assets | 6.6446% | 43 |
| Return on Equity (ROE) | 55.0786% | 12 |
| Retained earnings to average equity (ytd only) | 32.9895% | 25 |
| Net charge-offs to loans | 0.2055% | 1,823 |
| Credit loss provision to net charge-offs | 253.7770% | 1,037 |
| Earnings coverage of net charge-offs (x) | 46.4194% | 1,024 |
| Efficiency ratio | 56.1221% | 5,651 |
| Assets per employee ($millions) | 3.2471% | 5,334 |
| Cash dividends to net income (ytd only)* | 40.1046% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8445% | 5,761 |
| Loan loss allowance to noncurrent loans | 26.1975% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 2.4837% | 1,072 |
| Noncurrent loans to loans | 3.2235% | 781 |
| Net loans and leases to total assets | 74.3373% | 1,469 |
| Net loans and leases to deposits | 86.6695% | 1,833 |
| Net loans and leases to core deposits | 114.5559% | 570 |
| Total domestic deposits to total assets | 85.7710% | 2,972 |
| Equity capital to assets | 11.3541% | 2,625 |
| Core capital (leverage) ratio | 10.9977% | 2,484 |
| Tier 1 risk-based capital ratio | 14.7457% | 3,737 |
| Total risk-based capital ratio | 15.6076% | 3,913 |
| Memoranda: | ||
| Average total assets | $489,566,000 | 1,371 |
| Average earning assets | $412,489,000 | 1,496 |
| Average equity | $55,519,250 | 1,317 |
| Average total loans | $360,655,250 | 1,232 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0893% | 625 |
| Cost of funding earning assets | 1.1540% | 107 |
| Net interest margin | 3.9353% | 2,028 |
| Noninterest income to average assets | 12.5145% | 57 |
| Noninterest expense to average assets | 8.8307% | 89 |
| Loan and lease loss provision to assets | 0.3871% | 441 |
| Net operating income to assets | 6.5699% | 34 |
| Return on assets (ROA) | 6.5699% | 34 |
| Pretax return on assets | 6.5699% | 44 |
| Return on Equity (ROE) | 57.9610% | 17 |
| Retained earnings to average equity (ytd only) | 24.1137% | 50 |
| Net charge-offs to loans | 0.0312% | 3,572 |
| Credit loss provision to net charge-offs | 1,696.2264% | 219 |
| Earnings coverage of net charge-offs (x) | 304.8113% | 226 |
| Efficiency ratio | 55.9341% | 5,751 |
| Assets per employee ($millions) | 2.9871% | 5,766 |
| Cash dividends to net income (ytd only)* | 58.3967% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9702% | 5,483 |
| Loan loss allowance to noncurrent loans | 29.8727% | 5,785 |
| Noncurrent assets plus other real estate owned to assets | 2.4480% | 1,169 |
| Noncurrent loans to loans | 3.2478% | 861 |
| Net loans and leases to total assets | 72.5710% | 1,638 |
| Net loans and leases to deposits | 85.3163% | 1,885 |
| Net loans and leases to core deposits | 115.8307% | 482 |
| Total domestic deposits to total assets | 85.0611% | 3,473 |
| Equity capital to assets | 11.3126% | 2,594 |
| Core capital (leverage) ratio | 10.5371% | 2,900 |
| Tier 1 risk-based capital ratio | 14.6140% | 3,858 |
| Total risk-based capital ratio | 15.5793% | 3,979 |
| Memoranda: | ||
| Average total assets | $464,422,670 | 1,449 |
| Average earning assets | $386,297,330 | 1,587 |
| Average equity | $52,642,330 | 1,382 |
| Average total loans | $339,680,330 | 1,294 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9181% | 842 |
| Cost of funding earning assets | 1.1892% | 97 |
| Net interest margin | 3.7289% | 2,750 |
| Noninterest income to average assets | 11.5500% | 56 |
| Noninterest expense to average assets | 8.4763% | 99 |
| Loan and lease loss provision to assets | 0.3805% | 445 |
| Net operating income to assets | 5.7831% | 38 |
| Return on assets (ROA) | 5.7831% | 38 |
| Pretax return on assets | 5.7831% | 49 |
| Return on Equity (ROE) | 50.9629% | 22 |
| Retained earnings to average equity (ytd only) | 4.8163% | 3,218 |
| Net charge-offs to loans | -0.0823% | 6,046 |
| Credit loss provision to net charge-offs | -632.8358% | 5,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8986% | 5,656 |
| Assets per employee ($millions) | 3.2118% | 5,504 |
| Cash dividends to net income (ytd only)* | 90.5493% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9164% | 5,820 |
| Loan loss allowance to noncurrent loans | 26.4292% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.6292% | 1,175 |
| Noncurrent loans to loans | 3.4673% | 855 |
| Net loans and leases to total assets | 73.0846% | 1,416 |
| Net loans and leases to deposits | 83.2670% | 1,913 |
| Net loans and leases to core deposits | 111.0213% | 552 |
| Total domestic deposits to total assets | 87.7714% | 2,364 |
| Equity capital to assets | 10.7152% | 3,021 |
| Core capital (leverage) ratio | 10.4004% | 3,043 |
| Tier 1 risk-based capital ratio | 13.7558% | 4,497 |
| Total risk-based capital ratio | 14.6663% | 4,684 |
| Memoranda: | ||
| Average total assets | $445,715,500 | 1,501 |
| Average earning assets | $369,332,500 | 1,654 |
| Average equity | $50,578,000 | 1,434 |
| Average total loans | $325,642,500 | 1,335 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5187% | 2,135 |
| Cost of funding earning assets | 1.2002% | 177 |
| Net interest margin | 3.3185% | 4,594 |
| Noninterest income to average assets | 11.9680% | 54 |
| Noninterest expense to average assets | 9.8661% | 83 |
| Loan and lease loss provision to assets | -0.2212% | 6,615 |
| Net operating income to assets | 5.1380% | 44 |
| Return on assets (ROA) | 5.1409% | 43 |
| Pretax return on assets | 5.1409% | 52 |
| Return on Equity (ROE) | 45.6897% | 20 |
| Retained earnings to average equity (ytd only) | 23.2836% | 60 |
| Net charge-offs to loans | 0.6804% | 955 |
| Credit loss provision to net charge-offs | -45.4449% | 5,784 |
| Earnings coverage of net charge-offs (x) | 10.1017% | 2,420 |
| Efficiency ratio | 66.7399% | 4,418 |
| Assets per employee ($millions) | 3.0821% | 5,706 |
| Cash dividends to net income (ytd only)* | 49.0397% | 2,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9057% | 5,908 |
| Loan loss allowance to noncurrent loans | 31.3096% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 2.1722% | 1,647 |
| Noncurrent loans to loans | 2.8926% | 1,211 |
| Net loans and leases to total assets | 71.6065% | 1,753 |
| Net loans and leases to deposits | 83.5443% | 1,991 |
| Net loans and leases to core deposits | 102.0367% | 1,026 |
| Total domestic deposits to total assets | 85.7109% | 3,398 |
| Equity capital to assets | 12.0701% | 1,757 |
| Core capital (leverage) ratio | 10.3857% | 3,039 |
| Tier 1 risk-based capital ratio | 15.0916% | 3,616 |
| Total risk-based capital ratio | 15.9461% | 3,784 |
| Memoranda: | ||
| Average total assets | $387,892,400 | 1,697 |
| Average earning assets | $329,031,600 | 1,803 |
| Average equity | $43,644,400 | 1,602 |
| Average total loans | $277,483,800 | 1,521 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3795% | 2,656 |
| Cost of funding earning assets | 1.1639% | 231 |
| Net interest margin | 3.2156% | 4,947 |
| Noninterest income to average assets | 10.8675% | 63 |
| Noninterest expense to average assets | 9.7216% | 84 |
| Loan and lease loss provision to assets | 0.1852% | 1,965 |
| Net operating income to assets | 3.7144% | 70 |
| Return on assets (ROA) | 3.7144% | 68 |
| Pretax return on assets | 3.7144% | 87 |
| Return on Equity (ROE) | 33.6815% | 49 |
| Retained earnings to average equity (ytd only) | 11.9552% | 428 |
| Net charge-offs to loans | 0.5329% | 1,200 |
| Credit loss provision to net charge-offs | 48.7109% | 3,541 |
| Earnings coverage of net charge-offs (x) | 10.2569% | 2,382 |
| Efficiency ratio | 71.3709% | 3,540 |
| Assets per employee ($millions) | 3.2839% | 5,313 |
| Cash dividends to net income (ytd only)* | 64.5052% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 3,185 |
| Loan loss allowance to noncurrent loans | 54.2053% | 5,047 |
| Noncurrent assets plus other real estate owned to assets | 2.1239% | 1,878 |
| Noncurrent loans to loans | 2.8779% | 1,427 |
| Net loans and leases to total assets | 72.5939% | 1,516 |
| Net loans and leases to deposits | 81.8085% | 2,160 |
| Net loans and leases to core deposits | 103.3695% | 911 |
| Total domestic deposits to total assets | 88.7364% | 1,705 |
| Equity capital to assets | 10.3014% | 3,509 |
| Core capital (leverage) ratio | 10.0319% | 3,636 |
| Tier 1 risk-based capital ratio | 13.6807% | 4,645 |
| Total risk-based capital ratio | 14.9349% | 4,597 |
| Memoranda: | ||
| Average total assets | $380,846,000 | 1,731 |
| Average earning assets | $326,150,750 | 1,829 |
| Average equity | $42,000,250 | 1,682 |
| Average total loans | $271,689,250 | 1,553 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3531% | 2,749 |
| Cost of funding earning assets | 1.1752% | 234 |
| Net interest margin | 3.1779% | 5,019 |
| Noninterest income to average assets | 11.5729% | 59 |
| Noninterest expense to average assets | 10.4812% | 73 |
| Loan and lease loss provision to assets | 0.4750% | 594 |
| Net operating income to assets | 3.3319% | 91 |
| Return on assets (ROA) | 3.3319% | 95 |
| Pretax return on assets | 3.3319% | 116 |
| Return on Equity (ROE) | 29.4572% | 76 |
| Retained earnings to average equity (ytd only) | 7.6388% | 1,617 |
| Net charge-offs to loans | 0.8542% | 728 |
| Credit loss provision to net charge-offs | 78.9809% | 2,650 |
| Earnings coverage of net charge-offs (x) | 6.3303% | 2,737 |
| Efficiency ratio | 73.3561% | 3,249 |
| Assets per employee ($millions) | 3.0671% | 5,734 |
| Cash dividends to net income (ytd only)* | 74.0680% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 2,130 |
| Loan loss allowance to noncurrent loans | 54.1004% | 5,025 |
| Noncurrent assets plus other real estate owned to assets | 2.4856% | 1,704 |
| Noncurrent loans to loans | 3.4989% | 1,219 |
| Net loans and leases to total assets | 69.6955% | 1,940 |
| Net loans and leases to deposits | 78.7894% | 2,484 |
| Net loans and leases to core deposits | 95.3783% | 1,412 |
| Total domestic deposits to total assets | 88.4579% | 1,943 |
| Equity capital to assets | 10.7591% | 2,990 |
| Core capital (leverage) ratio | 10.1092% | 3,357 |
| Tier 1 risk-based capital ratio | 14.5624% | 4,061 |
| Total risk-based capital ratio | 15.8189% | 4,022 |
| Memoranda: | ||
| Average total assets | $365,493,000 | 1,793 |
| Average earning assets | $312,283,000 | 1,912 |
| Average equity | $41,341,330 | 1,708 |
| Average total loans | $257,313,000 | 1,613 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5012% | 2,162 |
| Cost of funding earning assets | 1.1726% | 254 |
| Net interest margin | 3.3286% | 4,405 |
| Noninterest income to average assets | 11.5639% | 60 |
| Noninterest expense to average assets | 9.4976% | 90 |
| Loan and lease loss provision to assets | 0.6778% | 347 |
| Net operating income to assets | 4.2379% | 54 |
| Return on assets (ROA) | 4.2379% | 57 |
| Pretax return on assets | 4.2379% | 78 |
| Return on Equity (ROE) | 36.4854% | 47 |
| Retained earnings to average equity (ytd only) | 6.0695% | 2,642 |
| Net charge-offs to loans | 0.9434% | 651 |
| Credit loss provision to net charge-offs | 102.5685% | 1,789 |
| Earnings coverage of net charge-offs (x) | 7.4384% | 2,070 |
| Efficiency ratio | 65.8946% | 4,682 |
| Assets per employee ($millions) | 3.5185% | 4,944 |
| Cash dividends to net income (ytd only)* | 83.3645% | 837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1338% | 1,722 |
| Loan loss allowance to noncurrent loans | 61.1235% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 2.4645% | 1,873 |
| Noncurrent loans to loans | 3.4909% | 1,376 |
| Net loans and leases to total assets | 68.0815% | 1,994 |
| Net loans and leases to deposits | 77.5240% | 2,416 |
| Net loans and leases to core deposits | 91.5022% | 1,557 |
| Total domestic deposits to total assets | 87.8199% | 2,442 |
| Equity capital to assets | 11.1851% | 2,759 |
| Core capital (leverage) ratio | 10.4261% | 2,872 |
| Tier 1 risk-based capital ratio | 15.4938% | 3,529 |
| Total risk-based capital ratio | 16.7551% | 3,483 |
| Memoranda: | ||
| Average total assets | $353,478,000 | 1,872 |
| Average earning assets | $302,588,000 | 1,991 |
| Average equity | $41,057,500 | 1,744 |
| Average total loans | $247,610,500 | 1,681 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 3,667 |
| Cost of funding earning assets | 1.1285% | 815 |
| Net interest margin | 3.3092% | 5,213 |
| Noninterest income to average assets | 13.9625% | 56 |
| Noninterest expense to average assets | 9.6431% | 88 |
| Loan and lease loss provision to assets | 0.6997% | 736 |
| Net operating income to assets | 6.5135% | 35 |
| Return on assets (ROA) | 6.5135% | 35 |
| Pretax return on assets | 6.5135% | 46 |
| Return on Equity (ROE) | 54.2175% | 13 |
| Retained earnings to average equity (ytd only) | 22.4758% | 45 |
| Net charge-offs to loans | 0.8535% | 1,345 |
| Credit loss provision to net charge-offs | 113.4409% | 2,565 |
| Earnings coverage of net charge-offs (x) | 11.6952% | 2,004 |
| Efficiency ratio | 57.2078% | 5,933 |
| Assets per employee ($millions) | 3.5905% | 4,803 |
| Cash dividends to net income (ytd only)* | 58.5450% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 1,382 |
| Loan loss allowance to noncurrent loans | 63.6332% | 4,504 |
| Noncurrent assets plus other real estate owned to assets | 2.6147% | 1,861 |
| Noncurrent loans to loans | 3.6073% | 1,365 |
| Net loans and leases to total assets | 68.9593% | 2,042 |
| Net loans and leases to deposits | 80.5889% | 2,208 |
| Net loans and leases to core deposits | 93.3672% | 1,515 |
| Total domestic deposits to total assets | 85.5693% | 3,580 |
| Equity capital to assets | 12.0862% | 1,992 |
| Core capital (leverage) ratio | 10.6371% | 2,612 |
| Tier 1 risk-based capital ratio | 16.6505% | 2,813 |
| Total risk-based capital ratio | 17.9141% | 2,784 |
| Memoranda: | ||
| Average total assets | $301,572,200 | 2,130 |
| Average earning assets | $263,718,800 | 2,204 |
| Average equity | $36,230,000 | 1,910 |
| Average total loans | $217,930,400 | 1,856 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 4,484 |
| Cost of funding earning assets | 1.1084% | 1,034 |
| Net interest margin | 3.1817% | 5,743 |
| Noninterest income to average assets | 12.1597% | 63 |
| Noninterest expense to average assets | 8.9202% | 94 |
| Loan and lease loss provision to assets | 0.7496% | 661 |
| Net operating income to assets | 5.2906% | 38 |
| Return on assets (ROA) | 5.2906% | 39 |
| Pretax return on assets | 5.2906% | 55 |
| Return on Equity (ROE) | 44.1146% | 20 |
| Retained earnings to average equity (ytd only) | 20.2259% | 81 |
| Net charge-offs to loans | 0.8231% | 1,330 |
| Credit loss provision to net charge-offs | 125.1903% | 2,302 |
| Earnings coverage of net charge-offs (x) | 10.0875% | 2,227 |
| Efficiency ratio | 59.6253% | 5,560 |
| Assets per employee ($millions) | 4.0094% | 3,852 |
| Cash dividends to net income (ytd only)* | 54.1516% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4042% | 1,354 |
| Loan loss allowance to noncurrent loans | 67.0736% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 2.6550% | 1,987 |
| Noncurrent loans to loans | 3.5844% | 1,512 |
| Net loans and leases to total assets | 70.2283% | 1,868 |
| Net loans and leases to deposits | 80.5449% | 2,308 |
| Net loans and leases to core deposits | 102.3616% | 964 |
| Total domestic deposits to total assets | 87.1915% | 2,563 |
| Equity capital to assets | 11.9184% | 2,336 |
| Core capital (leverage) ratio | 10.9647% | 2,427 |
| Tier 1 risk-based capital ratio | 16.0877% | 3,223 |
| Total risk-based capital ratio | 17.3522% | 3,188 |
| Memoranda: | ||
| Average total assets | $292,588,000 | 2,212 |
| Average earning assets | $257,548,750 | 2,280 |
| Average equity | $35,089,500 | 1,989 |
| Average total loans | $212,860,000 | 1,929 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 4,586 |
| Cost of funding earning assets | 1.0907% | 1,257 |
| Net interest margin | 3.2062% | 5,719 |
| Noninterest income to average assets | 11.9060% | 65 |
| Noninterest expense to average assets | 8.5614% | 101 |
| Loan and lease loss provision to assets | 0.7535% | 693 |
| Net operating income to assets | 5.4371% | 42 |
| Return on assets (ROA) | 5.4371% | 42 |
| Pretax return on assets | 5.4371% | 55 |
| Return on Equity (ROE) | 45.2306% | 27 |
| Retained earnings to average equity (ytd only) | 18.5998% | 130 |
| Net charge-offs to loans | 1.2007% | 902 |
| Credit loss provision to net charge-offs | 85.9098% | 3,164 |
| Earnings coverage of net charge-offs (x) | 7.0580% | 2,532 |
| Efficiency ratio | 58.0353% | 5,869 |
| Assets per employee ($millions) | 4.3065% | 3,248 |
| Cash dividends to net income (ytd only)* | 58.8778% | 1,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2966% | 1,599 |
| Loan loss allowance to noncurrent loans | 68.6777% | 4,259 |
| Noncurrent assets plus other real estate owned to assets | 3.1441% | 1,730 |
| Noncurrent loans to loans | 3.3441% | 1,740 |
| Net loans and leases to total assets | 71.1686% | 1,703 |
| Net loans and leases to deposits | 81.6378% | 2,162 |
| Net loans and leases to core deposits | 112.7763% | 490 |
| Total domestic deposits to total assets | 87.1761% | 2,670 |
| Equity capital to assets | 11.9475% | 2,187 |
| Core capital (leverage) ratio | 11.5307% | 1,882 |
| Tier 1 risk-based capital ratio | 15.5490% | 3,409 |
| Total risk-based capital ratio | 16.8120% | 3,360 |
| Memoranda: | ||
| Average total assets | $283,201,330 | 2,277 |
| Average earning assets | $251,389,000 | 2,343 |
| Average equity | $34,043,330 | 2,036 |
| Average total loans | $206,878,330 | 1,964 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 5,354 |
| Cost of funding earning assets | 1.0311% | 1,802 |
| Net interest margin | 3.0998% | 6,043 |
| Noninterest income to average assets | 11.4071% | 67 |
| Noninterest expense to average assets | 8.6137% | 100 |
| Loan and lease loss provision to assets | 0.8596% | 530 |
| Net operating income to assets | 4.7242% | 47 |
| Return on assets (ROA) | 4.7242% | 52 |
| Pretax return on assets | 4.7242% | 64 |
| Return on Equity (ROE) | 39.1687% | 52 |
| Retained earnings to average equity (ytd only) | 6.7157% | 2,574 |
| Net charge-offs to loans | 1.0692% | 964 |
| Credit loss provision to net charge-offs | 109.8881% | 2,133 |
| Earnings coverage of net charge-offs (x) | 7.1381% | 2,108 |
| Efficiency ratio | 60.6702% | 5,510 |
| Assets per employee ($millions) | 4.4474% | 3,087 |
| Cash dividends to net income (ytd only)* | 82.8545% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5984% | 1,227 |
| Loan loss allowance to noncurrent loans | 44.7643% | 5,365 |
| Noncurrent assets plus other real estate owned to assets | 4.1369% | 1,324 |
| Noncurrent loans to loans | 5.8047% | 890 |
| Net loans and leases to total assets | 69.4167% | 1,855 |
| Net loans and leases to deposits | 79.3629% | 2,291 |
| Net loans and leases to core deposits | 115.6370% | 392 |
| Total domestic deposits to total assets | 87.4673% | 2,677 |
| Equity capital to assets | 11.7095% | 2,256 |
| Core capital (leverage) ratio | 11.3768% | 1,985 |
| Tier 1 risk-based capital ratio | 16.3391% | 2,991 |
| Total risk-based capital ratio | 17.6085% | 2,939 |
| Memoranda: | ||
| Average total assets | $274,075,500 | 2,354 |
| Average earning assets | $246,728,000 | 2,394 |
| Average equity | $33,057,000 | 2,091 |
| Average total loans | $200,526,000 | 2,030 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2012% | 6,048 |
| Cost of funding earning assets | 1.4135% | 980 |
| Net interest margin | 2.7877% | 6,835 |
| Noninterest income to average assets | 13.0428% | 48 |
| Noninterest expense to average assets | 8.2483% | 99 |
| Loan and lease loss provision to assets | 1.1580% | 772 |
| Net operating income to assets | 6.1627% | 32 |
| Return on assets (ROA) | 6.1627% | 33 |
| Pretax return on assets | 6.1627% | 50 |
| Return on Equity (ROE) | 57.3779% | 8 |
| Retained earnings to average equity (ytd only) | 20.2563% | 46 |
| Net charge-offs to loans | 0.7865% | 2,187 |
| Credit loss provision to net charge-offs | 195.4141% | 1,297 |
| Earnings coverage of net charge-offs (x) | 12.3539% | 1,631 |
| Efficiency ratio | 52.9790% | 6,617 |
| Assets per employee ($millions) | 4.2503% | 3,368 |
| Cash dividends to net income (ytd only)* | 64.6966% | 1,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6327% | 1,153 |
| Loan loss allowance to noncurrent loans | 52.8619% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 3.7458% | 1,555 |
| Noncurrent loans to loans | 4.9803% | 1,133 |
| Net loans and leases to total assets | 73.2323% | 1,403 |
| Net loans and leases to deposits | 85.3143% | 1,760 |
| Net loans and leases to core deposits | 137.9096% | 179 |
| Total domestic deposits to total assets | 85.8382% | 3,410 |
| Equity capital to assets | 12.4412% | 1,829 |
| Core capital (leverage) ratio | 11.8358% | 1,694 |
| Tier 1 risk-based capital ratio | 17.1334% | 2,541 |
| Total risk-based capital ratio | 18.4035% | 2,493 |
| Memoranda: | ||
| Average total assets | $246,549,200 | 2,561 |
| Average earning assets | $223,412,400 | 2,572 |
| Average equity | $26,480,600 | 2,439 |
| Average total loans | $185,748,600 | 2,171 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 6,266 |
| Cost of funding earning assets | 1.5402% | 741 |
| Net interest margin | 2.6344% | 7,047 |
| Noninterest income to average assets | 13.0718% | 49 |
| Noninterest expense to average assets | 8.1349% | 104 |
| Loan and lease loss provision to assets | 1.1000% | 746 |
| Net operating income to assets | 6.2294% | 32 |
| Return on assets (ROA) | 6.2294% | 33 |
| Pretax return on assets | 6.2294% | 50 |
| Return on Equity (ROE) | 60.6087% | 8 |
| Retained earnings to average equity (ytd only) | 20.5259% | 71 |
| Net charge-offs to loans | 0.9512% | 1,695 |
| Credit loss provision to net charge-offs | 153.4152% | 2,025 |
| Earnings coverage of net charge-offs (x) | 10.2226% | 1,951 |
| Efficiency ratio | 52.6046% | 6,628 |
| Assets per employee ($millions) | 3.9847% | 3,884 |
| Cash dividends to net income (ytd only)* | 66.1337% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4608% | 1,450 |
| Loan loss allowance to noncurrent loans | 53.1265% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 3.6130% | 1,741 |
| Noncurrent loans to loans | 4.6320% | 1,391 |
| Net loans and leases to total assets | 69.1721% | 2,246 |
| Net loans and leases to deposits | 79.5754% | 2,707 |
| Net loans and leases to core deposits | 146.4946% | 149 |
| Total domestic deposits to total assets | 86.9266% | 2,697 |
| Equity capital to assets | 12.1117% | 2,162 |
| Core capital (leverage) ratio | 12.1392% | 1,631 |
| Tier 1 risk-based capital ratio | 17.6235% | 2,388 |
| Total risk-based capital ratio | 18.8908% | 2,355 |
| Memoranda: | ||
| Average total assets | $242,306,750 | 2,617 |
| Average earning assets | $220,058,500 | 2,628 |
| Average equity | $24,904,500 | 2,583 |
| Average total loans | $182,636,000 | 2,226 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 6,231 |
| Cost of funding earning assets | 1.8202% | 284 |
| Net interest margin | 2.4029% | 7,234 |
| Noninterest income to average assets | 13.3910% | 51 |
| Noninterest expense to average assets | 8.2664% | 104 |
| Loan and lease loss provision to assets | 0.9132% | 981 |
| Net operating income to assets | 6.4062% | 38 |
| Return on assets (ROA) | 6.4062% | 39 |
| Pretax return on assets | 6.4062% | 52 |
| Return on Equity (ROE) | 66.6657% | 11 |
| Retained earnings to average equity (ytd only) | 20.9940% | 79 |
| Net charge-offs to loans | 0.6649% | 2,174 |
| Credit loss provision to net charge-offs | 178.3828% | 1,691 |
| Earnings coverage of net charge-offs (x) | 14.2970% | 1,488 |
| Efficiency ratio | 53.0381% | 6,710 |
| Assets per employee ($millions) | 3.9984% | 3,758 |
| Cash dividends to net income (ytd only)* | 68.5085% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5014% | 1,447 |
| Loan loss allowance to noncurrent loans | 56.5509% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 3.3199% | 2,000 |
| Noncurrent loans to loans | 4.4233% | 1,512 |
| Net loans and leases to total assets | 72.2545% | 1,741 |
| Net loans and leases to deposits | 81.1189% | 2,595 |
| Net loans and leases to core deposits | 150.1725% | 146 |
| Total domestic deposits to total assets | 89.0724% | 1,494 |
| Equity capital to assets | 10.1838% | 3,895 |
| Core capital (leverage) ratio | 9.9630% | 3,308 |
| Tier 1 risk-based capital ratio | 14.7962% | 3,617 |
| Total risk-based capital ratio | 16.0668% | 3,571 |
| Memoranda: | ||
| Average total assets | $236,740,330 | 2,686 |
| Average earning assets | $216,237,000 | 2,688 |
| Average equity | $22,749,330 | 2,783 |
| Average total loans | $182,288,000 | 2,256 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3722% | 5,781 |
| Cost of funding earning assets | 2.1989% | 89 |
| Net interest margin | 2.1733% | 7,367 |
| Noninterest income to average assets | 14.6883% | 49 |
| Noninterest expense to average assets | 8.0366% | 105 |
| Loan and lease loss provision to assets | 0.8965% | 897 |
| Net operating income to assets | 7.7472% | 32 |
| Return on assets (ROA) | 7.7472% | 33 |
| Pretax return on assets | 7.7472% | 41 |
| Return on Equity (ROE) | 83.0275% | 14 |
| Retained earnings to average equity (ytd only) | 46.7657% | 28 |
| Net charge-offs to loans | 0.3712% | 2,580 |
| Credit loss provision to net charge-offs | 308.0460% | 1,044 |
| Earnings coverage of net charge-offs (x) | 29.7011% | 835 |
| Efficiency ratio | 48.1801% | 7,110 |
| Assets per employee ($millions) | 4.3144% | 3,213 |
| Cash dividends to net income (ytd only)* | 43.6744% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 1,673 |
| Loan loss allowance to noncurrent loans | 56.7670% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 3.2222% | 2,134 |
| Noncurrent loans to loans | 4.1474% | 1,734 |
| Net loans and leases to total assets | 74.5178% | 1,268 |
| Net loans and leases to deposits | 95.9818% | 691 |
| Net loans and leases to core deposits | 154.4106% | 142 |
| Total domestic deposits to total assets | 77.6374% | 6,424 |
| Equity capital to assets | 10.1439% | 3,599 |
| Core capital (leverage) ratio | 8.6905% | 5,097 |
| Tier 1 risk-based capital ratio | 16.2829% | 2,771 |
| Total risk-based capital ratio | 17.5550% | 2,719 |
| Memoranda: | ||
| Average total assets | $239,156,500 | 2,675 |
| Average earning assets | $219,203,000 | 2,674 |
| Average equity | $22,315,500 | 2,827 |
| Average total loans | $187,500,500 | 2,216 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 6,640 |
| Cost of funding earning assets | 2.3244% | 195 |
| Net interest margin | 2.0613% | 7,443 |
| Noninterest income to average assets | 10.7638% | 62 |
| Noninterest expense to average assets | 6.6704% | 176 |
| Loan and lease loss provision to assets | 1.3468% | 1,131 |
| Net operating income to assets | 4.6206% | 37 |
| Return on assets (ROA) | 4.6206% | 37 |
| Pretax return on assets | 4.6206% | 56 |
| Return on Equity (ROE) | 51.9893% | 13 |
| Retained earnings to average equity (ytd only) | 29.2610% | 14 |
| Net charge-offs to loans | 0.6821% | 2,966 |
| Credit loss provision to net charge-offs | 246.6102% | 1,161 |
| Earnings coverage of net charge-offs (x) | 10.9266% | 1,659 |
| Efficiency ratio | 52.7813% | 6,920 |
| Assets per employee ($millions) | 5.5758% | 1,517 |
| Cash dividends to net income (ytd only)* | 43.7173% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 2,447 |
| Loan loss allowance to noncurrent loans | 79.6335% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 2.0886% | 3,236 |
| Noncurrent loans to loans | 2.4350% | 3,084 |
| Net loans and leases to total assets | 78.8232% | 831 |
| Net loans and leases to deposits | 114.8841% | 160 |
| Net loans and leases to core deposits | 178.5242% | 114 |
| Total domestic deposits to total assets | 68.6111% | 7,302 |
| Equity capital to assets | 8.5589% | 5,779 |
| Core capital (leverage) ratio | 8.8401% | 4,790 |
| Tier 1 risk-based capital ratio | 14.7240% | 3,412 |
| Total risk-based capital ratio | 15.9938% | 3,359 |
| Memoranda: | ||
| Average total assets | $194,457,000 | 3,170 |
| Average earning assets | $176,778,600 | 3,158 |
| Average equity | $17,282,400 | 3,541 |
| Average total loans | $155,706,800 | 2,674 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 6,448 |
| Cost of funding earning assets | 2.5279% | 124 |
| Net interest margin | 2.0315% | 7,574 |
| Noninterest income to average assets | 10.0824% | 62 |
| Noninterest expense to average assets | 6.4891% | 184 |
| Loan and lease loss provision to assets | 0.6911% | 2,216 |
| Net operating income to assets | 4.7430% | 32 |
| Return on assets (ROA) | 4.7430% | 32 |
| Pretax return on assets | 4.7430% | 58 |
| Return on Equity (ROE) | 52.7091% | 14 |
| Retained earnings to average equity (ytd only) | 29.6851% | 20 |
| Net charge-offs to loans | 0.6312% | 2,855 |
| Credit loss provision to net charge-offs | 136.9186% | 2,915 |
| Earnings coverage of net charge-offs (x) | 10.7660% | 1,856 |
| Efficiency ratio | 54.4241% | 6,751 |
| Assets per employee ($millions) | 5.3177% | 1,805 |
| Cash dividends to net income (ytd only)* | 43.6814% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4444% | 4,235 |
| Loan loss allowance to noncurrent loans | 61.2488% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 2.0763% | 3,367 |
| Noncurrent loans to loans | 2.3583% | 3,285 |
| Net loans and leases to total assets | 82.9420% | 415 |
| Net loans and leases to deposits | 121.8789% | 102 |
| Net loans and leases to core deposits | 201.8221% | 89 |
| Total domestic deposits to total assets | 68.0528% | 7,374 |
| Equity capital to assets | 9.4676% | 4,892 |
| Core capital (leverage) ratio | 8.0787% | 6,229 |
| Tier 1 risk-based capital ratio | 13.6861% | 4,059 |
| Total risk-based capital ratio | 14.9443% | 4,012 |
| Memoranda: | ||
| Average total assets | $181,737,500 | 3,399 |
| Average earning assets | $164,666,000 | 3,411 |
| Average equity | $16,353,500 | 3,746 |
| Average total loans | $145,332,250 | 2,889 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3406% | 6,979 |
| Cost of funding earning assets | 2.4570% | 201 |
| Net interest margin | 1.8836% | 7,676 |
| Noninterest income to average assets | 9.3183% | 70 |
| Noninterest expense to average assets | 6.7350% | 165 |
| Loan and lease loss provision to assets | 0.6941% | 2,089 |
| Net operating income to assets | 3.6077% | 56 |
| Return on assets (ROA) | 3.6077% | 56 |
| Pretax return on assets | 3.6077% | 86 |
| Return on Equity (ROE) | 40.9445% | 22 |
| Retained earnings to average equity (ytd only) | 21.6781% | 68 |
| Net charge-offs to loans | 0.7213% | 2,418 |
| Credit loss provision to net charge-offs | 122.9039% | 3,292 |
| Earnings coverage of net charge-offs (x) | 7.6176% | 2,269 |
| Efficiency ratio | 61.0233% | 5,851 |
| Assets per employee ($millions) | 5.5093% | 1,609 |
| Cash dividends to net income (ytd only)* | 47.0551% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3880% | 4,480 |
| Loan loss allowance to noncurrent loans | 83.6204% | 3,258 |
| Noncurrent assets plus other real estate owned to assets | 1.3590% | 4,450 |
| Noncurrent loans to loans | 1.6599% | 4,209 |
| Net loans and leases to total assets | 80.7339% | 698 |
| Net loans and leases to deposits | 115.2636% | 191 |
| Net loans and leases to core deposits | 204.1108% | 90 |
| Total domestic deposits to total assets | 70.0428% | 7,329 |
| Equity capital to assets | 8.4341% | 6,246 |
| Core capital (leverage) ratio | 8.1074% | 6,106 |
| Tier 1 risk-based capital ratio | 13.0113% | 4,429 |
| Total risk-based capital ratio | 14.2695% | 4,374 |
| Memoranda: | ||
| Average total assets | $173,186,000 | 3,547 |
| Average earning assets | $157,995,000 | 3,555 |
| Average equity | $15,259,670 | 3,939 |
| Average total loans | $135,597,670 | 3,089 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 7,118 |
| Cost of funding earning assets | 2.4187% | 285 |
| Net interest margin | 1.8917% | 7,756 |
| Noninterest income to average assets | 7.8167% | 88 |
| Noninterest expense to average assets | 6.9090% | 154 |
| Loan and lease loss provision to assets | 0.4797% | 2,585 |
| Net operating income to assets | 2.1405% | 276 |
| Return on assets (ROA) | 2.1405% | 304 |
| Pretax return on assets | 2.1405% | 463 |
| Return on Equity (ROE) | 23.6114% | 203 |
| Retained earnings to average equity (ytd only) | 6.6567% | 2,298 |
| Net charge-offs to loans | -0.0068% | 6,843 |
| Credit loss provision to net charge-offs | -9,300.0000% | 6,689 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5034% | 3,839 |
| Assets per employee ($millions) | 5.1696% | 2,000 |
| Cash dividends to net income (ytd only)* | 71.8072% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7742% | 2,813 |
| Loan loss allowance to noncurrent loans | 162.0462% | 1,735 |
| Noncurrent assets plus other real estate owned to assets | 0.8373% | 5,480 |
| Noncurrent loans to loans | 1.0949% | 5,171 |
| Net loans and leases to total assets | 75.1168% | 1,713 |
| Net loans and leases to deposits | 99.3988% | 800 |
| Net loans and leases to core deposits | 177.8700% | 135 |
| Total domestic deposits to total assets | 75.5711% | 6,823 |
| Equity capital to assets | 8.8069% | 5,541 |
| Core capital (leverage) ratio | 9.4878% | 3,793 |
| Tier 1 risk-based capital ratio | 12.9679% | 4,356 |
| Total risk-based capital ratio | 14.2303% | 4,322 |
| Memoranda: | ||
| Average total assets | $155,103,000 | 3,928 |
| Average earning assets | $140,403,500 | 3,956 |
| Average equity | $14,061,000 | 4,230 |
| Average total loans | $117,698,000 | 3,505 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9438% | 6,604 |
| Cost of funding earning assets | 3.4555% | 52 |
| Net interest margin | 1.4883% | 7,867 |
| Noninterest income to average assets | 8.6302% | 80 |
| Noninterest expense to average assets | 6.4447% | 255 |
| Loan and lease loss provision to assets | 1.6562% | 1,385 |
| Net operating income to assets | 1.8431% | 328 |
| Return on assets (ROA) | 1.8431% | 333 |
| Pretax return on assets | 1.8431% | 583 |
| Return on Equity (ROE) | 20.1083% | 240 |
| Retained earnings to average equity (ytd only) | 11.9411% | 211 |
| Net charge-offs to loans | 0.2412% | 5,115 |
| Credit loss provision to net charge-offs | 915.9420% | 322 |
| Earnings coverage of net charge-offs (x) | 19.3527% | 1,087 |
| Efficiency ratio | 64.8103% | 5,617 |
| Assets per employee ($millions) | 4.1700% | 3,494 |
| Cash dividends to net income (ytd only)* | 40.6161% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3365% | 1,427 |
| Loan loss allowance to noncurrent loans | 220.9552% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.7937% | 5,519 |
| Noncurrent loans to loans | 1.0574% | 5,207 |
| Net loans and leases to total assets | 73.3045% | 2,425 |
| Net loans and leases to deposits | 81.8739% | 3,642 |
| Net loans and leases to core deposits | 118.4663% | 2,081 |
| Total domestic deposits to total assets | 89.5335% | 1,193 |
| Equity capital to assets | 9.4276% | 4,515 |
| Core capital (leverage) ratio | 8.5637% | 5,163 |
| Tier 1 risk-based capital ratio | 11.3514% | 5,565 |
| Total risk-based capital ratio | 12.6162% | 5,497 |
| Memoranda: | ||
| Average total assets | $114,482,000 | 4,706 |
| Average earning assets | $101,055,600 | 4,809 |
| Average equity | $10,493,200 | 5,166 |
| Average total loans | $85,812,600 | 4,336 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0924% | 6,299 |
| Cost of funding earning assets | 3.6372% | 41 |
| Net interest margin | 1.4552% | 7,954 |
| Noninterest income to average assets | 6.5374% | 113 |
| Noninterest expense to average assets | 5.8899% | 315 |
| Loan and lease loss provision to assets | 1.0844% | 1,800 |
| Net operating income to assets | 0.8449% | 2,640 |
| Return on assets (ROA) | 0.8449% | 2,703 |
| Pretax return on assets | 0.8449% | 3,401 |
| Return on Equity (ROE) | 9.2950% | 2,163 |
| Retained earnings to average equity (ytd only) | 9.2950% | 770 |
| Net charge-offs to loans | -0.0209% | 7,770 |
| Credit loss provision to net charge-offs | -6,930.7692% | 7,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3271% | 3,635 |
| Assets per employee ($millions) | 4.0498% | 3,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 2,465 |
| Loan loss allowance to noncurrent loans | 3,174.4681% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 7,476 |
| Noncurrent loans to loans | 0.0549% | 7,371 |
| Net loans and leases to total assets | 71.6288% | 3,123 |
| Net loans and leases to deposits | 79.6476% | 4,447 |
| Net loans and leases to core deposits | 108.4534% | 3,417 |
| Total domestic deposits to total assets | 89.9321% | 790 |
| Equity capital to assets | 9.8610% | 4,254 |
| Core capital (leverage) ratio | 8.9277% | 4,767 |
| Tier 1 risk-based capital ratio | 13.0059% | 4,189 |
| Total risk-based capital ratio | 14.2637% | 4,115 |
| Memoranda: | ||
| Average total assets | $110,785,250 | 4,835 |
| Average earning assets | $97,581,500 | 4,939 |
| Average equity | $10,069,750 | 5,317 |
| Average total loans | $83,009,000 | 4,451 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2709% | 5,789 |
| Cost of funding earning assets | 3.8220% | 37 |
| Net interest margin | 1.4489% | 8,026 |
| Noninterest income to average assets | 5.3884% | 127 |
| Noninterest expense to average assets | 5.7771% | 343 |
| Loan and lease loss provision to assets | 1.1072% | 1,550 |
| Net operating income to assets | -0.2395% | 6,246 |
| Return on assets (ROA) | -0.2395% | 6,262 |
| Pretax return on assets | -0.2395% | 6,166 |
| Return on Equity (ROE) | -2.7180% | 6,327 |
| Retained earnings to average equity (ytd only) | -2.7180% | 5,913 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9421% | 2,128 |
| Assets per employee ($millions) | 5.1617% | 1,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 3,797 |
| Loan loss allowance to noncurrent loans | 2,508.5106% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 7,502 |
| Noncurrent loans to loans | 0.0553% | 7,393 |
| Net loans and leases to total assets | 73.8011% | 2,760 |
| Net loans and leases to deposits | 81.6840% | 4,275 |
| Net loans and leases to core deposits | 101.5670% | 4,333 |
| Total domestic deposits to total assets | 90.3494% | 684 |
| Equity capital to assets | 9.3838% | 4,768 |
| Core capital (leverage) ratio | 8.4733% | 5,489 |
| Tier 1 risk-based capital ratio | 13.3978% | 3,867 |
| Total risk-based capital ratio | 14.6520% | 3,810 |
| Memoranda: | ||
| Average total assets | $108,566,000 | 4,925 |
| Average earning assets | $94,139,000 | 5,063 |
| Average equity | $9,566,000 | 5,495 |
| Average total loans | $82,140,330 | 4,522 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 6,523 |
| Cost of funding earning assets | 3.7533% | 75 |
| Net interest margin | 1.3873% | 8,086 |
| Noninterest income to average assets | 3.3110% | 196 |
| Noninterest expense to average assets | 6.2676% | 265 |
| Loan and lease loss provision to assets | 0.1282% | 5,314 |
| Net operating income to assets | -1.8554% | 7,615 |
| Return on assets (ROA) | -1.8554% | 7,619 |
| Pretax return on assets | -1.8554% | 7,488 |
| Return on Equity (ROE) | -21.8158% | 7,790 |
| Retained earnings to average equity (ytd only) | -21.8158% | 7,694 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.0399% | 426 |
| Assets per employee ($millions) | 5.0626% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 7,324 |
| Loan loss allowance to noncurrent loans | 1,302.1277% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 7,482 |
| Noncurrent loans to loans | 0.0572% | 7,371 |
| Net loans and leases to total assets | 73.2245% | 2,955 |
| Net loans and leases to deposits | 92.4116% | 2,530 |
| Net loans and leases to core deposits | 95.7309% | 4,999 |
| Total domestic deposits to total assets | 79.2374% | 5,631 |
| Equity capital to assets | 9.2702% | 4,981 |
| Core capital (leverage) ratio | 9.0772% | 4,587 |
| Tier 1 risk-based capital ratio | 16.3116% | 2,578 |
| Total risk-based capital ratio | 17.3359% | 2,599 |
| Memoranda: | ||
| Average total assets | $106,070,000 | 5,004 |
| Average earning assets | $93,998,500 | 5,089 |
| Average equity | $9,021,000 | 5,698 |
| Average total loans | $80,717,500 | 4,590 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2625% | 8,160 |
| Cost of funding earning assets | 2.2627% | 5,327 |
| Net interest margin | 0.9999% | 8,230 |
| Noninterest income to average assets | 3.8370% | 156 |
| Noninterest expense to average assets | 11.1975% | 120 |
| Loan and lease loss provision to assets | 1.2189% | 1,178 |
| Net operating income to assets | -7.6244% | 8,213 |
| Return on assets (ROA) | -7.6244% | 8,208 |
| Pretax return on assets | -7.6244% | 8,185 |
| Return on Equity (ROE) | -72.9037% | 8,235 |
| Retained earnings to average equity (ytd only) | -72.9037% | 8,228 |
| Net charge-offs to loans | 0.5558% | 2,156 |
| Credit loss provision to net charge-offs | 305.6940% | 1,474 |
| Earnings coverage of net charge-offs (x) | -16.0641% | 6,929 |
| Efficiency ratio | 233.6689% | 159 |
| Assets per employee ($millions) | 4.7982% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7292% | 7,353 |
| Loan loss allowance to noncurrent loans | 1,229.7872% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 7,398 |
| Noncurrent loans to loans | 0.0593% | 7,269 |
| Net loans and leases to total assets | 78.0939% | 2,110 |
| Net loans and leases to deposits | 94.9284% | 2,631 |
| Net loans and leases to core deposits | 98.5497% | 4,982 |
| Total domestic deposits to total assets | 82.2661% | 4,095 |
| Equity capital to assets | 7.6586% | 7,247 |
| Core capital (leverage) ratio | 8.1348% | 6,275 |
| Tier 1 risk-based capital ratio | 13.2732% | 3,951 |
| Total risk-based capital ratio | 14.3199% | 3,984 |
| Memoranda: | ||
| Average total assets | $70,471,000 | 6,026 |
| Average earning assets | $67,310,000 | 5,916 |
| Average equity | $7,370,000 | 6,326 |
| Average total loans | $50,557,670 | 5,683 |