Home > Northpointe Bank > Performance and Condition Ratios
Northpointe Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1025% | 561 |
| Cost of funding earning assets | 3.7153% | 55 |
| Net interest margin | 2.3872% | 4,200 |
| Noninterest income to average assets | 2.0300% | 263 |
| Noninterest expense to average assets | 3.2744% | 762 |
| Loan and lease loss provision to assets | -0.0300% | 4,371 |
| Net operating income to assets | 0.7540% | 3,035 |
| Return on assets (ROA) | 0.7543% | 3,009 |
| Pretax return on assets | 1.0309% | 2,583 |
| Return on Equity (ROE) | 7.7600% | 3,089 |
| Retained earnings to average equity (ytd only) | 0.4836% | 3,957 |
| Net charge-offs to loans | 0.0201% | 1,942 |
| Credit loss provision to net charge-offs | -317.9455% | 4,522 |
| Earnings coverage of net charge-offs (x) | 57.7611% | 1,209 |
| Efficiency ratio | 76.0474% | 1,240 |
| Assets per employee ($millions) | 7.8007% | 1,534 |
| Cash dividends to net income (ytd only)* | 93.7695% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2974% | 4,425 |
| Loan loss allowance to noncurrent loans | 19.7656% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 1.3077% | 317 |
| Noncurrent loans to loans | 1.5048% | 457 |
| Net loans and leases to total assets | 86.6100% | 136 |
| Net loans and leases to deposits | 140.5841% | 26 |
| Net loans and leases to core deposits | 361.9242% | 52 |
| Total domestic deposits to total assets | 61.6100% | 4,425 |
| Equity capital to assets | 9.4181% | 2,409 |
| Core capital (leverage) ratio | 9.4496% | 3,296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2596% | 2,773 |
| Memoranda: | ||
| Average total assets | $4,672,890,000 | 287 |
| Average earning assets | $4,381,507,600 | 275 |
| Average equity | $454,111,000 | 286 |
| Average total loans | $4,013,140,000 | 236 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9838% | 542 |
| Cost of funding earning assets | 3.6086% | 56 |
| Net interest margin | 2.3752% | 4,259 |
| Noninterest income to average assets | 2.5900% | 226 |
| Noninterest expense to average assets | 3.5307% | 538 |
| Loan and lease loss provision to assets | -0.0100% | 4,305 |
| Net operating income to assets | 0.9816% | 2,419 |
| Return on assets (ROA) | 0.9807% | 2,416 |
| Pretax return on assets | 1.2942% | 2,061 |
| Return on Equity (ROE) | 10.0100% | 2,630 |
| Retained earnings to average equity (ytd only) | 3.9692% | 3,268 |
| Net charge-offs to loans | -0.0011% | 3,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.8510% | 1,466 |
| Assets per employee ($millions) | 6.4587% | 2,352 |
| Cash dividends to net income (ytd only)* | 60.3572% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3454% | 4,430 |
| Loan loss allowance to noncurrent loans | 31.8850% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 586 |
| Noncurrent loans to loans | 1.0831% | 733 |
| Net loans and leases to total assets | 84.2400% | 261 |
| Net loans and leases to deposits | 134.7624% | 32 |
| Net loans and leases to core deposits | 384.3712% | 12 |
| Total domestic deposits to total assets | 62.5100% | 4,441 |
| Equity capital to assets | 9.3960% | 2,161 |
| Core capital (leverage) ratio | 9.4344% | 3,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5747% | 2,713 |
| Memoranda: | ||
| Average total assets | $4,651,501,000 | 289 |
| Average earning assets | $4,355,299,750 | 280 |
| Average equity | $455,599,750 | 288 |
| Average total loans | $3,983,014,500 | 239 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7873% | 563 |
| Cost of funding earning assets | 3.4261% | 42 |
| Net interest margin | 2.3613% | 4,331 |
| Noninterest income to average assets | 2.7700% | 185 |
| Noninterest expense to average assets | 3.6942% | 439 |
| Loan and lease loss provision to assets | -0.0200% | 4,411 |
| Net operating income to assets | 0.9912% | 2,447 |
| Return on assets (ROA) | 0.9912% | 2,436 |
| Pretax return on assets | 1.3083% | 2,059 |
| Return on Equity (ROE) | 9.9700% | 2,708 |
| Retained earnings to average equity (ytd only) | 6.4530% | 2,462 |
| Net charge-offs to loans | -0.0032% | 3,618 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.7295% | 1,376 |
| Assets per employee ($millions) | 5.5795% | 3,078 |
| Cash dividends to net income (ytd only)* | 35.3061% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3657% | 4,454 |
| Loan loss allowance to noncurrent loans | 51.5339% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6161% | 868 |
| Noncurrent loans to loans | 0.7096% | 1,053 |
| Net loans and leases to total assets | 86.1700% | 145 |
| Net loans and leases to deposits | 135.0310% | 37 |
| Net loans and leases to core deposits | 450.4281% | 10 |
| Total domestic deposits to total assets | 63.8100% | 4,457 |
| Equity capital to assets | 9.6779% | 2,042 |
| Core capital (leverage) ratio | 9.9215% | 2,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6259% | 2,729 |
| Memoranda: | ||
| Average total assets | $4,572,245,000 | 285 |
| Average earning assets | $4,274,879,667 | 277 |
| Average equity | $454,333,667 | 281 |
| Average total loans | $3,933,077,333 | 236 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5406% | 582 |
| Cost of funding earning assets | 3.2603% | 17 |
| Net interest margin | 2.2803% | 4,461 |
| Noninterest income to average assets | 2.4100% | 200 |
| Noninterest expense to average assets | 3.6451% | 462 |
| Loan and lease loss provision to assets | 0.1000% | 1,106 |
| Net operating income to assets | 0.5973% | 3,695 |
| Return on assets (ROA) | 0.5987% | 3,660 |
| Pretax return on assets | 0.7931% | 3,482 |
| Return on Equity (ROE) | 5.9400% | 3,724 |
| Retained earnings to average equity (ytd only) | 2.4858% | 3,609 |
| Net charge-offs to loans | -0.0048% | 3,623 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 79.8531% | 845 |
| Assets per employee ($millions) | 5.0732% | 3,598 |
| Cash dividends to net income (ytd only)* | 58.1742% | 999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4320% | 4,483 |
| Loan loss allowance to noncurrent loans | 58.6694% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 0.6402% | 785 |
| Noncurrent loans to loans | 0.7364% | 1,041 |
| Net loans and leases to total assets | 84.4100% | 206 |
| Net loans and leases to deposits | 132.8695% | 41 |
| Net loans and leases to core deposits | 395.6966% | 12 |
| Total domestic deposits to total assets | 63.5300% | 4,521 |
| Equity capital to assets | 9.8520% | 1,899 |
| Core capital (leverage) ratio | 10.0787% | 2,611 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1388% | 2,684 |
| Memoranda: | ||
| Average total assets | $4,478,731,000 | 299 |
| Average earning assets | $4,180,509,000 | 292 |
| Average equity | $451,201,000 | 286 |
| Average total loans | $3,841,622,500 | 248 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 1,479 |
| Cost of funding earning assets | 1.5767% | 19 |
| Net interest margin | 2.5226% | 4,265 |
| Noninterest income to average assets | 3.6200% | 154 |
| Noninterest expense to average assets | 5.0628% | 211 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.6251% | 3,817 |
| Return on assets (ROA) | 0.6220% | 3,776 |
| Pretax return on assets | 0.8384% | 3,521 |
| Return on Equity (ROE) | 6.0600% | 3,814 |
| Retained earnings to average equity (ytd only) | 2.9875% | 3,725 |
| Net charge-offs to loans | -0.0071% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 84.6150% | 465 |
| Assets per employee ($millions) | 4.5239% | 4,022 |
| Cash dividends to net income (ytd only)* | 50.7129% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1666% | 4,584 |
| Loan loss allowance to noncurrent loans | 30.2060% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 1,035 |
| Noncurrent loans to loans | 0.5515% | 1,342 |
| Net loans and leases to total assets | 86.6600% | 118 |
| Net loans and leases to deposits | 130.2682% | 41 |
| Net loans and leases to core deposits | 357.4856% | 16 |
| Total domestic deposits to total assets | 66.5300% | 4,525 |
| Equity capital to assets | 10.3044% | 1,550 |
| Core capital (leverage) ratio | 10.5430% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4664% | 2,582 |
| Memoranda: | ||
| Average total assets | $4,374,757,200 | 294 |
| Average earning assets | $4,052,454,600 | 290 |
| Average equity | $448,944,600 | 284 |
| Average total loans | $3,703,286,000 | 240 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7826% | 1,807 |
| Cost of funding earning assets | 1.1791% | 26 |
| Net interest margin | 2.6035% | 4,094 |
| Noninterest income to average assets | 4.2700% | 147 |
| Noninterest expense to average assets | 5.5906% | 184 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.8052% | 3,239 |
| Return on assets (ROA) | 0.8010% | 3,218 |
| Pretax return on assets | 1.0124% | 2,983 |
| Return on Equity (ROE) | 7.8100% | 3,383 |
| Retained earnings to average equity (ytd only) | 4.7471% | 3,177 |
| Net charge-offs to loans | -0.0088% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 83.3845% | 586 |
| Assets per employee ($millions) | 4.0232% | 4,307 |
| Cash dividends to net income (ytd only)* | 39.2486% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1693% | 4,624 |
| Loan loss allowance to noncurrent loans | 40.8484% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 1,438 |
| Noncurrent loans to loans | 0.4144% | 1,778 |
| Net loans and leases to total assets | 85.6000% | 149 |
| Net loans and leases to deposits | 134.8080% | 25 |
| Net loans and leases to core deposits | 307.6868% | 15 |
| Total domestic deposits to total assets | 63.5000% | 4,606 |
| Equity capital to assets | 10.3839% | 1,426 |
| Core capital (leverage) ratio | 10.4110% | 2,193 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7739% | 2,563 |
| Memoranda: | ||
| Average total assets | $4,368,014,000 | 296 |
| Average earning assets | $4,040,568,500 | 291 |
| Average equity | $447,788,250 | 287 |
| Average total loans | $3,673,833,250 | 240 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4109% | 2,401 |
| Cost of funding earning assets | 0.7995% | 102 |
| Net interest margin | 2.6114% | 3,885 |
| Noninterest income to average assets | 4.6793% | 104 |
| Noninterest expense to average assets | 6.4692% | 115 |
| Loan and lease loss provision to assets | 0.1112% | 902 |
| Net operating income to assets | 0.4339% | 4,043 |
| Return on assets (ROA) | 0.4294% | 4,004 |
| Pretax return on assets | 0.5117% | 3,974 |
| Return on Equity (ROE) | 4.2283% | 3,983 |
| Retained earnings to average equity (ytd only) | -0.4251% | 4,232 |
| Net charge-offs to loans | -0.0124% | 3,663 |
| Credit loss provision to net charge-offs | -1,077.3333% | 3,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8182% | 375 |
| Assets per employee ($millions) | 3.1349% | 4,613 |
| Cash dividends to net income (ytd only)* | 110.0545% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1906% | 4,693 |
| Loan loss allowance to noncurrent loans | 24.6557% | 3,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 773 |
| Noncurrent loans to loans | 0.7732% | 1,104 |
| Net loans and leases to total assets | 86.2109% | 80 |
| Net loans and leases to deposits | 141.1700% | 15 |
| Net loans and leases to core deposits | 284.5921% | 18 |
| Total domestic deposits to total assets | 61.0688% | 4,684 |
| Equity capital to assets | 11.0710% | 1,175 |
| Core capital (leverage) ratio | 10.3534% | 2,066 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,359,193,667 | 294 |
| Average earning assets | $4,036,642,000 | 293 |
| Average equity | $442,686,333 | 286 |
| Average total loans | $3,641,211,333 | 238 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0535% | 3,100 |
| Cost of funding earning assets | 0.6216% | 227 |
| Net interest margin | 2.4319% | 4,015 |
| Noninterest income to average assets | 5.6386% | 91 |
| Noninterest expense to average assets | 6.3094% | 110 |
| Loan and lease loss provision to assets | 0.0650% | 1,254 |
| Net operating income to assets | 1.1666% | 1,337 |
| Return on assets (ROA) | 1.1619% | 1,347 |
| Pretax return on assets | 1.5178% | 984 |
| Return on Equity (ROE) | 11.9090% | 1,343 |
| Retained earnings to average equity (ytd only) | 6.2376% | 2,162 |
| Net charge-offs to loans | -0.0138% | 3,721 |
| Credit loss provision to net charge-offs | -573.6434% | 3,167 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6003% | 1,179 |
| Assets per employee ($millions) | 3.4287% | 4,574 |
| Cash dividends to net income (ytd only)* | 47.6226% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1355% | 4,730 |
| Loan loss allowance to noncurrent loans | 18.8138% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 0.6117% | 976 |
| Noncurrent loans to loans | 0.7200% | 1,318 |
| Net loans and leases to total assets | 79.9995% | 240 |
| Net loans and leases to deposits | 125.3901% | 27 |
| Net loans and leases to core deposits | 319.0994% | 14 |
| Total domestic deposits to total assets | 63.8005% | 4,710 |
| Equity capital to assets | 10.2152% | 1,748 |
| Core capital (leverage) ratio | 10.2257% | 2,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,554,375,000 | 288 |
| Average earning assets | $4,231,622,500 | 285 |
| Average equity | $444,334,500 | 292 |
| Average total loans | $3,747,767,000 | 229 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2877% | 3,247 |
| Cost of funding earning assets | 0.7322% | 276 |
| Net interest margin | 2.5555% | 4,112 |
| Noninterest income to average assets | 8.0032% | 79 |
| Noninterest expense to average assets | 7.3486% | 102 |
| Loan and lease loss provision to assets | -0.1859% | 4,678 |
| Net operating income to assets | 2.3854% | 180 |
| Return on assets (ROA) | 2.3846% | 185 |
| Pretax return on assets | 3.2138% | 118 |
| Return on Equity (ROE) | 23.1578% | 167 |
| Retained earnings to average equity (ytd only) | 16.4243% | 149 |
| Net charge-offs to loans | -0.0161% | 3,901 |
| Credit loss provision to net charge-offs | 1,352.9190% | 421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5575% | 1,671 |
| Assets per employee ($millions) | 3.8349% | 4,482 |
| Cash dividends to net income (ytd only)* | 29.0764% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0975% | 4,770 |
| Loan loss allowance to noncurrent loans | 19.3391% | 4,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 1,526 |
| Noncurrent loans to loans | 0.5043% | 1,861 |
| Net loans and leases to total assets | 84.1874% | 105 |
| Net loans and leases to deposits | 134.9875% | 17 |
| Net loans and leases to core deposits | 394.1113% | 11 |
| Total domestic deposits to total assets | 62.3668% | 4,757 |
| Equity capital to assets | 9.4022% | 3,220 |
| Core capital (leverage) ratio | 10.3602% | 2,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,865,326,000 | 309 |
| Average earning assets | $3,591,479,000 | 306 |
| Average equity | $398,013,000 | 320 |
| Average total loans | $3,299,972,000 | 253 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3491% | 3,251 |
| Cost of funding earning assets | 0.7907% | 253 |
| Net interest margin | 2.5584% | 4,195 |
| Noninterest income to average assets | 8.8156% | 77 |
| Noninterest expense to average assets | 7.8162% | 96 |
| Loan and lease loss provision to assets | -0.2510% | 4,796 |
| Net operating income to assets | 2.7624% | 158 |
| Return on assets (ROA) | 2.7615% | 161 |
| Pretax return on assets | 3.6189% | 112 |
| Return on Equity (ROE) | 26.0844% | 151 |
| Retained earnings to average equity (ytd only) | 18.8032% | 168 |
| Net charge-offs to loans | -0.0208% | 3,980 |
| Credit loss provision to net charge-offs | 1,405.1125% | 422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6300% | 1,641 |
| Assets per employee ($millions) | 3.4119% | 4,669 |
| Cash dividends to net income (ytd only)* | 27.9141% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1238% | 4,850 |
| Loan loss allowance to noncurrent loans | 18.3079% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 0.5832% | 1,311 |
| Noncurrent loans to loans | 0.6760% | 1,625 |
| Net loans and leases to total assets | 85.1244% | 86 |
| Net loans and leases to deposits | 143.2582% | 17 |
| Net loans and leases to core deposits | 299.8162% | 20 |
| Total domestic deposits to total assets | 59.4202% | 4,842 |
| Equity capital to assets | 10.3952% | 2,534 |
| Core capital (leverage) ratio | 10.3756% | 2,164 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,649,542,750 | 323 |
| Average earning assets | $3,380,213,250 | 321 |
| Average equity | $386,372,000 | 327 |
| Average total loans | $3,128,802,250 | 261 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2933% | 3,447 |
| Cost of funding earning assets | 0.8377% | 242 |
| Net interest margin | 2.4556% | 4,359 |
| Noninterest income to average assets | 9.3233% | 72 |
| Noninterest expense to average assets | 8.0312% | 94 |
| Loan and lease loss provision to assets | -0.3957% | 4,878 |
| Net operating income to assets | 3.0213% | 128 |
| Return on assets (ROA) | 3.0231% | 134 |
| Pretax return on assets | 3.9593% | 91 |
| Return on Equity (ROE) | 28.3650% | 119 |
| Retained earnings to average equity (ytd only) | 20.2301% | 150 |
| Net charge-offs to loans | -0.0244% | 4,066 |
| Credit loss provision to net charge-offs | 1,884.4504% | 305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0316% | 1,756 |
| Assets per employee ($millions) | 3.2450% | 4,739 |
| Cash dividends to net income (ytd only)* | 28.6794% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1201% | 4,885 |
| Loan loss allowance to noncurrent loans | 20.0403% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5328% | 1,561 |
| Noncurrent loans to loans | 0.5991% | 1,905 |
| Net loans and leases to total assets | 88.0901% | 39 |
| Net loans and leases to deposits | 153.3515% | 14 |
| Net loans and leases to core deposits | 288.9148% | 20 |
| Total domestic deposits to total assets | 57.4432% | 4,882 |
| Equity capital to assets | 10.7233% | 2,211 |
| Core capital (leverage) ratio | 11.2090% | 1,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,552,489,000 | 329 |
| Average earning assets | $3,282,754,333 | 324 |
| Average equity | $378,614,000 | 333 |
| Average total loans | $3,052,184,000 | 267 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2661% | 3,531 |
| Cost of funding earning assets | 0.8952% | 229 |
| Net interest margin | 2.3709% | 4,444 |
| Noninterest income to average assets | 11.8262% | 62 |
| Noninterest expense to average assets | 9.0267% | 79 |
| Loan and lease loss provision to assets | -0.6294% | 4,940 |
| Net operating income to assets | 4.2966% | 67 |
| Return on assets (ROA) | 4.2942% | 72 |
| Pretax return on assets | 5.6099% | 64 |
| Return on Equity (ROE) | 40.4224% | 66 |
| Retained earnings to average equity (ytd only) | 35.3594% | 53 |
| Net charge-offs to loans | 0.0012% | 1,899 |
| Credit loss provision to net charge-offs | -61,111.1111% | 3,866 |
| Earnings coverage of net charge-offs (x) | 4,838.6667% | 6 |
| Efficiency ratio | 64.2208% | 2,435 |
| Assets per employee ($millions) | 3.3719% | 4,734 |
| Cash dividends to net income (ytd only)* | 12.5253% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1568% | 4,910 |
| Loan loss allowance to noncurrent loans | 8.3986% | 4,319 |
| Noncurrent assets plus other real estate owned to assets | 1.6298% | 361 |
| Noncurrent loans to loans | 1.8675% | 606 |
| Net loans and leases to total assets | 86.8821% | 69 |
| Net loans and leases to deposits | 157.4253% | 17 |
| Net loans and leases to core deposits | 248.2878% | 25 |
| Total domestic deposits to total assets | 55.1894% | 4,910 |
| Equity capital to assets | 10.5205% | 2,255 |
| Core capital (leverage) ratio | 10.5917% | 2,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,495,319,500 | 331 |
| Average earning assets | $3,219,896,500 | 330 |
| Average equity | $371,319,000 | 334 |
| Average total loans | $2,961,279,000 | 274 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 3,959 |
| Cost of funding earning assets | 1.3826% | 133 |
| Net interest margin | 2.1509% | 4,785 |
| Noninterest income to average assets | 12.7263% | 58 |
| Noninterest expense to average assets | 9.5571% | 78 |
| Loan and lease loss provision to assets | 0.2108% | 1,868 |
| Net operating income to assets | 3.8862% | 61 |
| Return on assets (ROA) | 3.8870% | 61 |
| Pretax return on assets | 4.9380% | 58 |
| Return on Equity (ROE) | 41.4671% | 28 |
| Retained earnings to average equity (ytd only) | 36.4083% | 13 |
| Net charge-offs to loans | -0.0003% | 3,896 |
| Credit loss provision to net charge-offs | -100,000.0000% | 4,512 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4976% | 2,739 |
| Assets per employee ($millions) | 3.1780% | 4,765 |
| Cash dividends to net income (ytd only)* | 12.1994% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3881% | 4,862 |
| Loan loss allowance to noncurrent loans | 27.2671% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 1.1747% | 753 |
| Noncurrent loans to loans | 1.4233% | 942 |
| Net loans and leases to total assets | 81.8408% | 308 |
| Net loans and leases to deposits | 160.8624% | 15 |
| Net loans and leases to core deposits | 206.8960% | 38 |
| Total domestic deposits to total assets | 50.8762% | 4,943 |
| Equity capital to assets | 10.7380% | 2,486 |
| Core capital (leverage) ratio | 10.6420% | 2,050 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,846,975,000 | 360 |
| Average earning assets | $2,618,958,600 | 358 |
| Average equity | $266,864,800 | 399 |
| Average total loans | $2,313,271,800 | 308 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6869% | 3,824 |
| Cost of funding earning assets | 1.4700% | 135 |
| Net interest margin | 2.2169% | 4,813 |
| Noninterest income to average assets | 13.5505% | 57 |
| Noninterest expense to average assets | 10.2453% | 74 |
| Loan and lease loss provision to assets | 0.2928% | 1,385 |
| Net operating income to assets | 3.9696% | 52 |
| Return on assets (ROA) | 3.9708% | 53 |
| Pretax return on assets | 5.0511% | 53 |
| Return on Equity (ROE) | 44.3121% | 30 |
| Retained earnings to average equity (ytd only) | 39.1390% | 19 |
| Net charge-offs to loans | -0.0024% | 3,910 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1586% | 2,570 |
| Assets per employee ($millions) | 3.2097% | 4,778 |
| Cash dividends to net income (ytd only)* | 11.6741% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4126% | 4,875 |
| Loan loss allowance to noncurrent loans | 16.2870% | 4,422 |
| Noncurrent assets plus other real estate owned to assets | 2.0673% | 307 |
| Noncurrent loans to loans | 2.5335% | 414 |
| Net loans and leases to total assets | 80.8761% | 536 |
| Net loans and leases to deposits | 163.7338% | 17 |
| Net loans and leases to core deposits | 194.9304% | 42 |
| Total domestic deposits to total assets | 49.3949% | 4,976 |
| Equity capital to assets | 9.1795% | 3,972 |
| Core capital (leverage) ratio | 9.0241% | 3,733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,732,431,250 | 360 |
| Average earning assets | $2,510,957,500 | 357 |
| Average equity | $244,854,250 | 414 |
| Average total loans | $2,212,715,000 | 319 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 3,637 |
| Cost of funding earning assets | 1.6117% | 106 |
| Net interest margin | 2.2827% | 4,842 |
| Noninterest income to average assets | 13.3867% | 51 |
| Noninterest expense to average assets | 10.0906% | 73 |
| Loan and lease loss provision to assets | 0.4718% | 799 |
| Net operating income to assets | 3.8565% | 52 |
| Return on assets (ROA) | 3.8565% | 54 |
| Pretax return on assets | 4.9215% | 44 |
| Return on Equity (ROE) | 42.6606% | 27 |
| Retained earnings to average equity (ytd only) | 37.8766% | 17 |
| Net charge-offs to loans | 0.0011% | 2,993 |
| Credit loss provision to net charge-offs | 54,545.4545% | 21 |
| Earnings coverage of net charge-offs (x) | 6,235.3636% | 5 |
| Efficiency ratio | 64.3757% | 2,770 |
| Assets per employee ($millions) | 3.2708% | 4,757 |
| Cash dividends to net income (ytd only)* | 11.2142% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4616% | 4,864 |
| Loan loss allowance to noncurrent loans | 41.8203% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.8967% | 1,365 |
| Noncurrent loans to loans | 1.1037% | 1,424 |
| Net loans and leases to total assets | 79.5546% | 644 |
| Net loans and leases to deposits | 149.4421% | 22 |
| Net loans and leases to core deposits | 174.6233% | 59 |
| Total domestic deposits to total assets | 53.2344% | 4,998 |
| Equity capital to assets | 9.1619% | 3,958 |
| Core capital (leverage) ratio | 9.3042% | 3,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,543,502,333 | 379 |
| Average earning assets | $2,336,717,667 | 373 |
| Average equity | $229,931,000 | 443 |
| Average total loans | $2,048,150,667 | 337 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0021% | 3,779 |
| Cost of funding earning assets | 1.7683% | 98 |
| Net interest margin | 2.2338% | 4,946 |
| Noninterest income to average assets | 8.8343% | 65 |
| Noninterest expense to average assets | 8.4135% | 90 |
| Loan and lease loss provision to assets | 0.1674% | 1,752 |
| Net operating income to assets | 1.7576% | 446 |
| Return on assets (ROA) | 1.7576% | 494 |
| Pretax return on assets | 2.3094% | 231 |
| Return on Equity (ROE) | 19.6002% | 183 |
| Retained earnings to average equity (ytd only) | 14.9326% | 197 |
| Net charge-offs to loans | 0.0095% | 2,227 |
| Credit loss provision to net charge-offs | 2,173.9130% | 323 |
| Earnings coverage of net charge-offs (x) | 321.6087% | 217 |
| Efficiency ratio | 76.8263% | 1,470 |
| Assets per employee ($millions) | 3.1046% | 4,746 |
| Cash dividends to net income (ytd only)* | 23.8141% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2544% | 5,017 |
| Loan loss allowance to noncurrent loans | 24.1548% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 0.8959% | 1,500 |
| Noncurrent loans to loans | 1.0531% | 1,575 |
| Net loans and leases to total assets | 83.0010% | 356 |
| Net loans and leases to deposits | 145.3762% | 15 |
| Net loans and leases to core deposits | 173.5849% | 61 |
| Total domestic deposits to total assets | 57.0939% | 5,043 |
| Equity capital to assets | 8.7084% | 4,734 |
| Core capital (leverage) ratio | 9.2786% | 4,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,389,197,500 | 386 |
| Average earning assets | $2,199,144,500 | 376 |
| Average equity | $214,243,000 | 468 |
| Average total loans | $1,932,471,500 | 347 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 2,305 |
| Cost of funding earning assets | 2.1307% | 30 |
| Net interest margin | 2.5745% | 4,929 |
| Noninterest income to average assets | 8.2925% | 70 |
| Noninterest expense to average assets | 8.4756% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.7301% | 618 |
| Return on assets (ROA) | 1.7301% | 657 |
| Pretax return on assets | 2.1900% | 389 |
| Return on Equity (ROE) | 20.5999% | 181 |
| Retained earnings to average equity (ytd only) | 17.6081% | 52 |
| Net charge-offs to loans | -0.0074% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8574% | 1,050 |
| Assets per employee ($millions) | 2.8317% | 4,893 |
| Cash dividends to net income (ytd only)* | 14.5232% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2654% | 5,062 |
| Loan loss allowance to noncurrent loans | 19.7896% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 1,174 |
| Noncurrent loans to loans | 1.3413% | 1,114 |
| Net loans and leases to total assets | 77.9146% | 1,091 |
| Net loans and leases to deposits | 129.1057% | 46 |
| Net loans and leases to core deposits | 148.2150% | 132 |
| Total domestic deposits to total assets | 60.3495% | 5,084 |
| Equity capital to assets | 9.2741% | 4,509 |
| Core capital (leverage) ratio | 8.2750% | 4,953 |
| Tier 1 risk-based capital ratio | 13.5541% | 3,489 |
| Total risk-based capital ratio | 14.9933% | 3,294 |
| Memoranda: | ||
| Average total assets | $1,790,962,800 | 469 |
| Average earning assets | $1,650,840,800 | 467 |
| Average equity | $150,413,400 | 622 |
| Average total loans | $1,534,575,200 | 400 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6880% | 2,456 |
| Cost of funding earning assets | 2.1247% | 38 |
| Net interest margin | 2.5633% | 5,026 |
| Noninterest income to average assets | 8.6203% | 68 |
| Noninterest expense to average assets | 8.5943% | 91 |
| Loan and lease loss provision to assets | 0.0591% | 2,711 |
| Net operating income to assets | 1.8412% | 568 |
| Return on assets (ROA) | 1.8412% | 593 |
| Pretax return on assets | 2.3306% | 349 |
| Return on Equity (ROE) | 22.6869% | 143 |
| Retained earnings to average equity (ytd only) | 18.3181% | 65 |
| Net charge-offs to loans | -0.0106% | 4,388 |
| Credit loss provision to net charge-offs | -635.5932% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6127% | 1,142 |
| Assets per employee ($millions) | 2.8353% | 4,961 |
| Cash dividends to net income (ytd only)* | 19.2571% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2996% | 5,116 |
| Loan loss allowance to noncurrent loans | 52.3927% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4986% | 2,536 |
| Noncurrent loans to loans | 0.5718% | 2,584 |
| Net loans and leases to total assets | 84.3314% | 314 |
| Net loans and leases to deposits | 131.8149% | 38 |
| Net loans and leases to core deposits | 155.0610% | 104 |
| Total domestic deposits to total assets | 63.9771% | 5,125 |
| Equity capital to assets | 8.7275% | 4,910 |
| Core capital (leverage) ratio | 8.2409% | 5,050 |
| Tier 1 risk-based capital ratio | 11.3669% | 4,735 |
| Total risk-based capital ratio | 12.7613% | 4,559 |
| Memoranda: | ||
| Average total assets | $1,692,189,500 | 504 |
| Average earning assets | $1,560,386,250 | 493 |
| Average equity | $137,332,750 | 671 |
| Average total loans | $1,491,271,500 | 409 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 2,324 |
| Cost of funding earning assets | 2.0852% | 41 |
| Net interest margin | 2.6277% | 5,054 |
| Noninterest income to average assets | 7.7815% | 71 |
| Noninterest expense to average assets | 8.1698% | 91 |
| Loan and lease loss provision to assets | 0.0705% | 2,410 |
| Net operating income to assets | 1.5510% | 1,010 |
| Return on assets (ROA) | 1.5510% | 1,050 |
| Pretax return on assets | 1.9634% | 732 |
| Return on Equity (ROE) | 19.7759% | 271 |
| Retained earnings to average equity (ytd only) | 12.4230% | 361 |
| Net charge-offs to loans | -0.0061% | 4,182 |
| Credit loss provision to net charge-offs | -1,279.0698% | 4,305 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3311% | 1,027 |
| Assets per employee ($millions) | 2.6023% | 5,091 |
| Cash dividends to net income (ytd only)* | 37.1809% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3051% | 5,169 |
| Loan loss allowance to noncurrent loans | 120.7370% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 3,581 |
| Noncurrent loans to loans | 0.2527% | 3,628 |
| Net loans and leases to total assets | 89.6789% | 59 |
| Net loans and leases to deposits | 149.9674% | 17 |
| Net loans and leases to core deposits | 179.3687% | 61 |
| Total domestic deposits to total assets | 59.7989% | 5,210 |
| Equity capital to assets | 7.9839% | 5,175 |
| Core capital (leverage) ratio | 7.9716% | 5,173 |
| Tier 1 risk-based capital ratio | 9.6970% | 5,257 |
| Total risk-based capital ratio | 11.1941% | 5,181 |
| Memoranda: | ||
| Average total assets | $1,560,648,670 | 539 |
| Average earning assets | $1,438,613,670 | 535 |
| Average equity | $122,401,670 | 733 |
| Average total loans | $1,399,987,000 | 430 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 1,932 |
| Cost of funding earning assets | 2.0674% | 39 |
| Net interest margin | 2.7218% | 5,047 |
| Noninterest income to average assets | 7.5300% | 66 |
| Noninterest expense to average assets | 7.7833% | 89 |
| Loan and lease loss provision to assets | 0.0700% | 2,256 |
| Net operating income to assets | 1.7238% | 699 |
| Return on assets (ROA) | 1.7238% | 725 |
| Pretax return on assets | 2.1822% | 469 |
| Return on Equity (ROE) | 22.2342% | 168 |
| Retained earnings to average equity (ytd only) | 16.8130% | 191 |
| Net charge-offs to loans | -0.0044% | 3,990 |
| Credit loss provision to net charge-offs | -1,785.7143% | 4,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7394% | 1,413 |
| Assets per employee ($millions) | 2.2379% | 5,238 |
| Cash dividends to net income (ytd only)* | 24.3823% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3303% | 5,224 |
| Loan loss allowance to noncurrent loans | 131.0943% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.2625% | 3,567 |
| Noncurrent loans to loans | 0.2519% | 3,664 |
| Net loans and leases to total assets | 89.7265% | 54 |
| Net loans and leases to deposits | 145.1739% | 18 |
| Net loans and leases to core deposits | 162.9643% | 80 |
| Total domestic deposits to total assets | 61.8063% | 5,263 |
| Equity capital to assets | 7.3556% | 5,279 |
| Core capital (leverage) ratio | 7.5168% | 5,284 |
| Tier 1 risk-based capital ratio | 8.9582% | 5,341 |
| Total risk-based capital ratio | 10.7075% | 5,320 |
| Memoranda: | ||
| Average total assets | $1,427,561,000 | 575 |
| Average earning assets | $1,314,143,000 | 576 |
| Average equity | $110,676,500 | 808 |
| Average total loans | $1,278,336,500 | 469 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 1,112 |
| Cost of funding earning assets | 1.7280% | 38 |
| Net interest margin | 3.2412% | 4,407 |
| Noninterest income to average assets | 8.8057% | 61 |
| Noninterest expense to average assets | 8.9683% | 76 |
| Loan and lease loss provision to assets | 0.0242% | 3,685 |
| Net operating income to assets | 2.1978% | 250 |
| Return on assets (ROA) | 2.1898% | 247 |
| Pretax return on assets | 2.7725% | 134 |
| Return on Equity (ROE) | 24.9136% | 95 |
| Retained earnings to average equity (ytd only) | 18.3125% | 50 |
| Net charge-offs to loans | -0.0348% | 4,863 |
| Credit loss provision to net charge-offs | -78.8644% | 4,371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1631% | 1,340 |
| Assets per employee ($millions) | 1.7998% | 5,327 |
| Cash dividends to net income (ytd only)* | 26.4959% | 3,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3883% | 5,222 |
| Loan loss allowance to noncurrent loans | 99.0809% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.3834% | 3,026 |
| Noncurrent loans to loans | 0.3919% | 3,128 |
| Net loans and leases to total assets | 88.6143% | 93 |
| Net loans and leases to deposits | 121.7884% | 87 |
| Net loans and leases to core deposits | 141.7303% | 183 |
| Total domestic deposits to total assets | 72.7608% | 5,022 |
| Equity capital to assets | 8.2419% | 5,069 |
| Core capital (leverage) ratio | 7.7038% | 5,295 |
| Tier 1 risk-based capital ratio | 9.9058% | 5,333 |
| Total risk-based capital ratio | 11.9406% | 5,007 |
| Memoranda: | ||
| Average total assets | $1,034,118,200 | 743 |
| Average earning assets | $947,420,000 | 739 |
| Average equity | $90,894,200 | 924 |
| Average total loans | $911,978,200 | 607 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 1,170 |
| Cost of funding earning assets | 1.5901% | 46 |
| Net interest margin | 3.3045% | 4,266 |
| Noninterest income to average assets | 9.7708% | 55 |
| Noninterest expense to average assets | 9.2683% | 70 |
| Loan and lease loss provision to assets | 0.0343% | 3,328 |
| Net operating income to assets | 2.7598% | 107 |
| Return on assets (ROA) | 2.7485% | 110 |
| Pretax return on assets | 3.4805% | 79 |
| Return on Equity (ROE) | 30.6419% | 35 |
| Retained earnings to average equity (ytd only) | 23.7654% | 27 |
| Net charge-offs to loans | -0.0148% | 4,512 |
| Credit loss provision to net charge-offs | -263.1579% | 4,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4228% | 1,823 |
| Assets per employee ($millions) | 1.8088% | 5,395 |
| Cash dividends to net income (ytd only)* | 22.4417% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4061% | 5,280 |
| Loan loss allowance to noncurrent loans | 86.3076% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4695% | 2,808 |
| Noncurrent loans to loans | 0.4705% | 2,978 |
| Net loans and leases to total assets | 87.9791% | 145 |
| Net loans and leases to deposits | 116.5455% | 140 |
| Net loans and leases to core deposits | 146.2830% | 161 |
| Total domestic deposits to total assets | 75.4890% | 4,835 |
| Equity capital to assets | 8.9153% | 4,621 |
| Core capital (leverage) ratio | 7.8713% | 5,344 |
| Tier 1 risk-based capital ratio | 9.8446% | 5,407 |
| Total risk-based capital ratio | 11.9670% | 5,066 |
| Memoranda: | ||
| Average total assets | $972,734,250 | 787 |
| Average earning assets | $890,975,000 | 788 |
| Average equity | $87,250,750 | 958 |
| Average total loans | $855,378,750 | 650 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 1,287 |
| Cost of funding earning assets | 1.4300% | 66 |
| Net interest margin | 3.3566% | 4,086 |
| Noninterest income to average assets | 8.8545% | 61 |
| Noninterest expense to average assets | 9.7408% | 68 |
| Loan and lease loss provision to assets | 0.0551% | 2,802 |
| Net operating income to assets | 1.6891% | 738 |
| Return on assets (ROA) | 1.6708% | 777 |
| Pretax return on assets | 2.1165% | 473 |
| Return on Equity (ROE) | 18.5786% | 368 |
| Retained earnings to average equity (ytd only) | 11.2217% | 629 |
| Net charge-offs to loans | -0.0013% | 3,908 |
| Credit loss provision to net charge-offs | -5,000.0000% | 4,750 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6116% | 862 |
| Assets per employee ($millions) | 1.9362% | 5,448 |
| Cash dividends to net income (ytd only)* | 39.5987% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4552% | 5,315 |
| Loan loss allowance to noncurrent loans | 84.5267% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5292% | 2,646 |
| Noncurrent loans to loans | 0.5385% | 2,802 |
| Net loans and leases to total assets | 87.0469% | 196 |
| Net loans and leases to deposits | 122.3505% | 87 |
| Net loans and leases to core deposits | 159.8698% | 78 |
| Total domestic deposits to total assets | 71.1455% | 5,229 |
| Equity capital to assets | 8.7543% | 4,759 |
| Core capital (leverage) ratio | 9.3841% | 4,265 |
| Tier 1 risk-based capital ratio | 11.1783% | 4,954 |
| Total risk-based capital ratio | 11.7063% | 5,188 |
| Memoranda: | ||
| Average total assets | $906,884,670 | 842 |
| Average earning assets | $832,439,330 | 851 |
| Average equity | $81,556,330 | 1,009 |
| Average total loans | $795,904,330 | 697 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 1,163 |
| Cost of funding earning assets | 1.3516% | 69 |
| Net interest margin | 3.4099% | 3,851 |
| Noninterest income to average assets | 7.7743% | 67 |
| Noninterest expense to average assets | 9.4532% | 73 |
| Loan and lease loss provision to assets | 0.1184% | 1,592 |
| Net operating income to assets | 1.0527% | 2,633 |
| Return on assets (ROA) | 1.0134% | 2,825 |
| Pretax return on assets | 1.2820% | 2,434 |
| Return on Equity (ROE) | 11.0884% | 1,934 |
| Retained earnings to average equity (ytd only) | 3.3125% | 3,882 |
| Net charge-offs to loans | 0.0178% | 2,152 |
| Credit loss provision to net charge-offs | 757.5758% | 431 |
| Earnings coverage of net charge-offs (x) | 92.7576% | 648 |
| Efficiency ratio | 86.7000% | 594 |
| Assets per employee ($millions) | 1.7429% | 5,527 |
| Cash dividends to net income (ytd only)* | 70.1262% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5316% | 5,289 |
| Loan loss allowance to noncurrent loans | 90.6055% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 0.5827% | 2,580 |
| Noncurrent loans to loans | 0.5867% | 2,782 |
| Net loans and leases to total assets | 88.4504% | 110 |
| Net loans and leases to deposits | 133.9097% | 29 |
| Net loans and leases to core deposits | 171.1109% | 63 |
| Total domestic deposits to total assets | 66.0522% | 5,462 |
| Equity capital to assets | 9.0009% | 4,552 |
| Core capital (leverage) ratio | 9.1778% | 4,466 |
| Tier 1 risk-based capital ratio | 11.1244% | 5,069 |
| Total risk-based capital ratio | 11.7144% | 5,274 |
| Memoranda: | ||
| Average total assets | $844,324,000 | 904 |
| Average earning assets | $774,809,500 | 914 |
| Average equity | $77,162,000 | 1,063 |
| Average total loans | $742,638,000 | 742 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7838% | 1,005 |
| Cost of funding earning assets | 1.1071% | 121 |
| Net interest margin | 3.6767% | 2,889 |
| Noninterest income to average assets | 9.0623% | 64 |
| Noninterest expense to average assets | 9.9310% | 72 |
| Loan and lease loss provision to assets | 0.0433% | 3,375 |
| Net operating income to assets | 1.8371% | 384 |
| Return on assets (ROA) | 1.8371% | 391 |
| Pretax return on assets | 2.4190% | 211 |
| Return on Equity (ROE) | 19.2202% | 229 |
| Retained earnings to average equity (ytd only) | 11.2112% | 228 |
| Net charge-offs to loans | 0.0354% | 3,088 |
| Credit loss provision to net charge-offs | 142.8571% | 1,853 |
| Earnings coverage of net charge-offs (x) | 81.1810% | 765 |
| Efficiency ratio | 80.1315% | 1,087 |
| Assets per employee ($millions) | 1.7351% | 5,590 |
| Cash dividends to net income (ytd only)* | 41.6699% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5354% | 5,347 |
| Loan loss allowance to noncurrent loans | 118.2990% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 2,981 |
| Noncurrent loans to loans | 0.4526% | 3,154 |
| Net loans and leases to total assets | 86.4855% | 226 |
| Net loans and leases to deposits | 119.2711% | 120 |
| Net loans and leases to core deposits | 160.1147% | 88 |
| Total domestic deposits to total assets | 72.5116% | 5,295 |
| Equity capital to assets | 9.2825% | 4,446 |
| Core capital (leverage) ratio | 9.1700% | 4,436 |
| Tier 1 risk-based capital ratio | 10.4839% | 5,372 |
| Total risk-based capital ratio | 11.0423% | 5,535 |
| Memoranda: | ||
| Average total assets | $692,339,200 | 1,055 |
| Average earning assets | $627,246,200 | 1,076 |
| Average equity | $66,175,000 | 1,208 |
| Average total loans | $593,642,800 | 872 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8168% | 897 |
| Cost of funding earning assets | 1.0207% | 178 |
| Net interest margin | 3.7961% | 2,414 |
| Noninterest income to average assets | 9.8666% | 61 |
| Noninterest expense to average assets | 10.2825% | 69 |
| Loan and lease loss provision to assets | 0.0607% | 2,865 |
| Net operating income to assets | 1.9522% | 347 |
| Return on assets (ROA) | 1.9522% | 352 |
| Pretax return on assets | 2.9512% | 119 |
| Return on Equity (ROE) | 20.2412% | 211 |
| Retained earnings to average equity (ytd only) | 9.1150% | 806 |
| Net charge-offs to loans | 0.0714% | 2,108 |
| Credit loss provision to net charge-offs | 99.6678% | 2,320 |
| Earnings coverage of net charge-offs (x) | 49.4223% | 1,124 |
| Efficiency ratio | 77.3442% | 1,414 |
| Assets per employee ($millions) | 1.7805% | 5,653 |
| Cash dividends to net income (ytd only)* | 54.9678% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5612% | 5,392 |
| Loan loss allowance to noncurrent loans | 199.6815% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.3334% | 3,715 |
| Noncurrent loans to loans | 0.2810% | 3,941 |
| Net loans and leases to total assets | 88.2960% | 139 |
| Net loans and leases to deposits | 123.7995% | 68 |
| Net loans and leases to core deposits | 154.6854% | 99 |
| Total domestic deposits to total assets | 71.3218% | 5,423 |
| Equity capital to assets | 9.5309% | 4,417 |
| Core capital (leverage) ratio | 9.2765% | 4,432 |
| Tier 1 risk-based capital ratio | 10.1017% | 5,573 |
| Total risk-based capital ratio | 10.6854% | 5,656 |
| Memoranda: | ||
| Average total assets | $658,515,500 | 1,113 |
| Average earning assets | $594,623,750 | 1,128 |
| Average equity | $63,512,500 | 1,255 |
| Average total loans | $562,144,500 | 914 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 836 |
| Cost of funding earning assets | 0.9371% | 244 |
| Net interest margin | 3.8793% | 2,007 |
| Noninterest income to average assets | 8.8899% | 71 |
| Noninterest expense to average assets | 9.8117% | 76 |
| Loan and lease loss provision to assets | 0.0319% | 3,359 |
| Net operating income to assets | 1.6728% | 593 |
| Return on assets (ROA) | 1.6728% | 614 |
| Pretax return on assets | 2.5384% | 199 |
| Return on Equity (ROE) | 17.2622% | 387 |
| Retained earnings to average equity (ytd only) | 4.7414% | 2,892 |
| Net charge-offs to loans | 0.0981% | 1,638 |
| Credit loss provision to net charge-offs | 38.7597% | 2,654 |
| Earnings coverage of net charge-offs (x) | 31.2016% | 1,435 |
| Efficiency ratio | 79.2413% | 1,301 |
| Assets per employee ($millions) | 1.7839% | 5,700 |
| Cash dividends to net income (ytd only)* | 72.5329% | 1,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 5,364 |
| Loan loss allowance to noncurrent loans | 164.5367% | 2,610 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 3,293 |
| Noncurrent loans to loans | 0.3702% | 3,703 |
| Net loans and leases to total assets | 84.7727% | 364 |
| Net loans and leases to deposits | 108.0029% | 317 |
| Net loans and leases to core deposits | 147.4854% | 141 |
| Total domestic deposits to total assets | 78.4911% | 4,735 |
| Equity capital to assets | 9.0822% | 4,824 |
| Core capital (leverage) ratio | 9.5498% | 4,069 |
| Tier 1 risk-based capital ratio | 10.4638% | 5,473 |
| Total risk-based capital ratio | 11.0937% | 5,634 |
| Memoranda: | ||
| Average total assets | $626,372,330 | 1,162 |
| Average earning assets | $563,857,670 | 1,184 |
| Average equity | $60,699,000 | 1,311 |
| Average total loans | $526,076,670 | 975 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 611 |
| Cost of funding earning assets | 0.9280% | 243 |
| Net interest margin | 3.9839% | 1,512 |
| Noninterest income to average assets | 8.4700% | 72 |
| Noninterest expense to average assets | 9.5521% | 77 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6457% | 613 |
| Return on assets (ROA) | 1.6457% | 629 |
| Pretax return on assets | 2.4793% | 220 |
| Return on Equity (ROE) | 16.3801% | 476 |
| Retained earnings to average equity (ytd only) | 0.9272% | 4,686 |
| Net charge-offs to loans | 0.1119% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.6159% | 1,298 |
| Efficiency ratio | 79.3930% | 1,443 |
| Assets per employee ($millions) | 1.7071% | 5,768 |
| Cash dividends to net income (ytd only)* | 94.3396% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7531% | 5,188 |
| Loan loss allowance to noncurrent loans | 109.5828% | 3,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6544% | 2,670 |
| Noncurrent loans to loans | 0.6873% | 2,787 |
| Net loans and leases to total assets | 79.9494% | 838 |
| Net loans and leases to deposits | 93.3866% | 1,176 |
| Net loans and leases to core deposits | 148.9384% | 110 |
| Total domestic deposits to total assets | 85.6112% | 2,835 |
| Equity capital to assets | 10.3147% | 3,394 |
| Core capital (leverage) ratio | 8.3148% | 5,371 |
| Tier 1 risk-based capital ratio | 10.3265% | 5,613 |
| Total risk-based capital ratio | 11.0926% | 5,705 |
| Memoranda: | ||
| Average total assets | $592,583,000 | 1,217 |
| Average earning assets | $529,734,000 | 1,253 |
| Average equity | $59,535,500 | 1,328 |
| Average total loans | $493,172,000 | 1,032 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 547 |
| Cost of funding earning assets | 0.9101% | 277 |
| Net interest margin | 4.1366% | 1,281 |
| Noninterest income to average assets | 8.8138% | 70 |
| Noninterest expense to average assets | 8.4491% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.7280% | 106 |
| Return on assets (ROA) | 2.7283% | 108 |
| Pretax return on assets | 4.0808% | 60 |
| Return on Equity (ROE) | 29.6238% | 38 |
| Retained earnings to average equity (ytd only) | 10.6749% | 338 |
| Net charge-offs to loans | 0.0585% | 2,878 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 81.3083% | 706 |
| Efficiency ratio | 67.4336% | 3,358 |
| Assets per employee ($millions) | 1.7242% | 5,825 |
| Cash dividends to net income (ytd only)* | 63.9651% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7447% | 5,251 |
| Loan loss allowance to noncurrent loans | 118.3706% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 2,818 |
| Noncurrent loans to loans | 0.6291% | 2,964 |
| Net loans and leases to total assets | 85.3035% | 274 |
| Net loans and leases to deposits | 98.5087% | 780 |
| Net loans and leases to core deposits | 138.5313% | 190 |
| Total domestic deposits to total assets | 86.5949% | 2,335 |
| Equity capital to assets | 9.7696% | 3,983 |
| Core capital (leverage) ratio | 8.1813% | 5,514 |
| Tier 1 risk-based capital ratio | 10.1787% | 5,688 |
| Total risk-based capital ratio | 10.9418% | 5,779 |
| Memoranda: | ||
| Average total assets | $530,042,200 | 1,300 |
| Average earning assets | $476,117,000 | 1,330 |
| Average equity | $48,815,400 | 1,555 |
| Average total loans | $454,546,200 | 1,080 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 547 |
| Cost of funding earning assets | 0.8870% | 312 |
| Net interest margin | 4.1593% | 1,231 |
| Noninterest income to average assets | 9.1406% | 69 |
| Noninterest expense to average assets | 8.0914% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.2018% | 76 |
| Return on assets (ROA) | 3.2021% | 76 |
| Pretax return on assets | 4.7871% | 56 |
| Return on Equity (ROE) | 35.3821% | 20 |
| Retained earnings to average equity (ytd only) | 15.5222% | 119 |
| Net charge-offs to loans | 0.0178% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 313.7306% | 265 |
| Efficiency ratio | 62.8311% | 4,096 |
| Assets per employee ($millions) | 2.1047% | 5,847 |
| Cash dividends to net income (ytd only)* | 56.1299% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7451% | 5,325 |
| Loan loss allowance to noncurrent loans | 167.7229% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.4960% | 3,462 |
| Noncurrent loans to loans | 0.4442% | 3,693 |
| Net loans and leases to total assets | 85.7568% | 268 |
| Net loans and leases to deposits | 100.9416% | 642 |
| Net loans and leases to core deposits | 152.3644% | 113 |
| Total domestic deposits to total assets | 84.9569% | 2,825 |
| Equity capital to assets | 8.7078% | 5,391 |
| Core capital (leverage) ratio | 8.7266% | 5,128 |
| Tier 1 risk-based capital ratio | 10.0433% | 5,780 |
| Total risk-based capital ratio | 10.8482% | 5,854 |
| Memoranda: | ||
| Average total assets | $515,563,750 | 1,335 |
| Average earning assets | $463,270,500 | 1,375 |
| Average equity | $46,659,000 | 1,627 |
| Average total loans | $441,855,250 | 1,109 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3398% | 333 |
| Cost of funding earning assets | 0.8843% | 317 |
| Net interest margin | 4.4556% | 680 |
| Noninterest income to average assets | 8.0824% | 75 |
| Noninterest expense to average assets | 7.0377% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.3344% | 77 |
| Return on assets (ROA) | 3.3350% | 77 |
| Pretax return on assets | 5.0338% | 53 |
| Return on Equity (ROE) | 36.2653% | 23 |
| Retained earnings to average equity (ytd only) | 19.5657% | 63 |
| Net charge-offs to loans | 0.0671% | 2,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 87.8696% | 648 |
| Efficiency ratio | 58.3041% | 4,863 |
| Assets per employee ($millions) | 2.0188% | 5,936 |
| Cash dividends to net income (ytd only)* | 46.0485% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8226% | 5,217 |
| Loan loss allowance to noncurrent loans | 141.9190% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.6183% | 3,154 |
| Noncurrent loans to loans | 0.5796% | 3,325 |
| Net loans and leases to total assets | 85.7208% | 271 |
| Net loans and leases to deposits | 109.6160% | 265 |
| Net loans and leases to core deposits | 153.1065% | 108 |
| Total domestic deposits to total assets | 78.2010% | 4,959 |
| Equity capital to assets | 8.6929% | 5,489 |
| Core capital (leverage) ratio | 9.8612% | 3,733 |
| Tier 1 risk-based capital ratio | 10.6002% | 5,629 |
| Total risk-based capital ratio | 11.4753% | 5,709 |
| Memoranda: | ||
| Average total assets | $481,860,330 | 1,434 |
| Average earning assets | $431,323,330 | 1,474 |
| Average equity | $44,312,330 | 1,694 |
| Average total loans | $411,537,000 | 1,180 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 192 |
| Cost of funding earning assets | 0.8781% | 322 |
| Net interest margin | 4.8029% | 358 |
| Noninterest income to average assets | 5.6557% | 101 |
| Noninterest expense to average assets | 6.5741% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.2168% | 221 |
| Return on assets (ROA) | 2.2168% | 235 |
| Pretax return on assets | 3.3421% | 103 |
| Return on Equity (ROE) | 22.9842% | 126 |
| Retained earnings to average equity (ytd only) | -4.6410% | 5,590 |
| Net charge-offs to loans | 0.0691% | 1,791 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 57.0152% | 810 |
| Efficiency ratio | 66.2965% | 3,750 |
| Assets per employee ($millions) | 2.2722% | 5,933 |
| Cash dividends to net income (ytd only)* | 120.1923% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 4,090 |
| Loan loss allowance to noncurrent loans | 126.3309% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.9018% | 2,433 |
| Noncurrent loans to loans | 0.8660% | 2,680 |
| Net loans and leases to total assets | 81.2744% | 650 |
| Net loans and leases to deposits | 96.0295% | 945 |
| Net loans and leases to core deposits | 125.0817% | 352 |
| Total domestic deposits to total assets | 84.6348% | 3,263 |
| Equity capital to assets | 9.8006% | 4,340 |
| Core capital (leverage) ratio | 8.3947% | 5,484 |
| Tier 1 risk-based capital ratio | 10.2552% | 5,846 |
| Total risk-based capital ratio | 11.3782% | 5,815 |
| Memoranda: | ||
| Average total assets | $450,374,000 | 1,526 |
| Average earning assets | $399,512,000 | 1,570 |
| Average equity | $43,438,500 | 1,715 |
| Average total loans | $382,005,000 | 1,240 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6683% | 208 |
| Cost of funding earning assets | 0.8889% | 306 |
| Net interest margin | 4.7795% | 392 |
| Noninterest income to average assets | 6.1881% | 102 |
| Noninterest expense to average assets | 6.2367% | 169 |
| Loan and lease loss provision to assets | -0.1812% | 5,969 |
| Net operating income to assets | 2.8975% | 94 |
| Return on assets (ROA) | 2.8975% | 93 |
| Pretax return on assets | 4.4256% | 64 |
| Return on Equity (ROE) | 32.6521% | 45 |
| Retained earnings to average equity (ytd only) | 32.6521% | 24 |
| Net charge-offs to loans | 0.1572% | 1,807 |
| Credit loss provision to net charge-offs | -132.1131% | 5,202 |
| Earnings coverage of net charge-offs (x) | 30.9501% | 1,421 |
| Efficiency ratio | 59.5041% | 4,972 |
| Assets per employee ($millions) | 2.4335% | 5,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 4,592 |
| Loan loss allowance to noncurrent loans | 105.4160% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 1.0593% | 2,066 |
| Noncurrent loans to loans | 0.9513% | 2,435 |
| Net loans and leases to total assets | 86.4795% | 195 |
| Net loans and leases to deposits | 108.5443% | 282 |
| Net loans and leases to core deposits | 139.2262% | 174 |
| Total domestic deposits to total assets | 79.6721% | 4,824 |
| Equity capital to assets | 9.4958% | 4,553 |
| Core capital (leverage) ratio | 9.1155% | 4,732 |
| Tier 1 risk-based capital ratio | 10.1357% | 5,916 |
| Total risk-based capital ratio | 11.1847% | 5,917 |
| Memoranda: | ||
| Average total assets | $438,242,200 | 1,521 |
| Average earning assets | $393,642,200 | 1,551 |
| Average equity | $38,888,800 | 1,851 |
| Average total loans | $382,229,400 | 1,208 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7240% | 191 |
| Cost of funding earning assets | 0.8941% | 302 |
| Net interest margin | 4.8298% | 354 |
| Noninterest income to average assets | 7.0627% | 93 |
| Noninterest expense to average assets | 6.2633% | 169 |
| Loan and lease loss provision to assets | -0.1867% | 6,090 |
| Net operating income to assets | 3.4822% | 64 |
| Return on assets (ROA) | 3.4822% | 63 |
| Pretax return on assets | 5.3259% | 52 |
| Return on Equity (ROE) | 39.9860% | 24 |
| Retained earnings to average equity (ytd only) | 39.9860% | 11 |
| Net charge-offs to loans | 0.1488% | 1,648 |
| Credit loss provision to net charge-offs | -143.9430% | 5,107 |
| Earnings coverage of net charge-offs (x) | 39.6270% | 1,255 |
| Efficiency ratio | 54.9291% | 5,448 |
| Assets per employee ($millions) | 2.3502% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 3,857 |
| Loan loss allowance to noncurrent loans | 98.4330% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 1.1033% | 2,147 |
| Noncurrent loans to loans | 1.1807% | 2,167 |
| Net loans and leases to total assets | 85.5402% | 256 |
| Net loans and leases to deposits | 103.9676% | 447 |
| Net loans and leases to core deposits | 132.1010% | 252 |
| Total domestic deposits to total assets | 82.2758% | 4,076 |
| Equity capital to assets | 9.6675% | 4,552 |
| Core capital (leverage) ratio | 8.9725% | 5,023 |
| Tier 1 risk-based capital ratio | 10.3641% | 5,936 |
| Total risk-based capital ratio | 11.5789% | 5,880 |
| Memoranda: | ||
| Average total assets | $432,817,750 | 1,546 |
| Average earning assets | $388,905,250 | 1,581 |
| Average equity | $37,692,250 | 1,913 |
| Average total loans | $377,341,000 | 1,222 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7109% | 192 |
| Cost of funding earning assets | 0.9073% | 277 |
| Net interest margin | 4.8036% | 362 |
| Noninterest income to average assets | 8.6454% | 84 |
| Noninterest expense to average assets | 6.3151% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 4.3544% | 56 |
| Return on assets (ROA) | 4.3544% | 56 |
| Pretax return on assets | 6.6578% | 42 |
| Return on Equity (ROE) | 51.9335% | 21 |
| Retained earnings to average equity (ytd only) | 51.9335% | 10 |
| Net charge-offs to loans | 0.3066% | 866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 24.8443% | 1,549 |
| Efficiency ratio | 48.6795% | 5,924 |
| Assets per employee ($millions) | 2.2333% | 6,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,980 |
| Loan loss allowance to noncurrent loans | 112.8844% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.2142% | 2,085 |
| Noncurrent loans to loans | 1.1967% | 2,265 |
| Net loans and leases to total assets | 84.7205% | 321 |
| Net loans and leases to deposits | 99.7288% | 683 |
| Net loans and leases to core deposits | 120.5733% | 455 |
| Total domestic deposits to total assets | 84.9509% | 3,144 |
| Equity capital to assets | 9.6594% | 4,456 |
| Core capital (leverage) ratio | 8.4444% | 5,587 |
| Tier 1 risk-based capital ratio | 10.0498% | 6,075 |
| Total risk-based capital ratio | 11.3174% | 6,016 |
| Memoranda: | ||
| Average total assets | $431,376,000 | 1,560 |
| Average earning assets | $388,628,000 | 1,589 |
| Average equity | $36,169,330 | 1,987 |
| Average total loans | $377,011,330 | 1,220 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4728% | 275 |
| Cost of funding earning assets | 0.8790% | 316 |
| Net interest margin | 4.5938% | 504 |
| Noninterest income to average assets | 10.1111% | 73 |
| Noninterest expense to average assets | 5.5493% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 5.7310% | 42 |
| Return on assets (ROA) | 5.7310% | 43 |
| Pretax return on assets | 8.7356% | 37 |
| Return on Equity (ROE) | 73.6885% | 12 |
| Retained earnings to average equity (ytd only) | 73.6885% | 5 |
| Net charge-offs to loans | 0.3418% | 717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 29.0030% | 1,175 |
| Efficiency ratio | 38.8474% | 6,285 |
| Assets per employee ($millions) | 2.6774% | 5,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 3,506 |
| Loan loss allowance to noncurrent loans | 109.8576% | 3,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1306% | 2,375 |
| Noncurrent loans to loans | 1.1669% | 2,439 |
| Net loans and leases to total assets | 86.1715% | 177 |
| Net loans and leases to deposits | 111.9646% | 182 |
| Net loans and leases to core deposits | 135.9515% | 185 |
| Total domestic deposits to total assets | 76.9631% | 5,615 |
| Equity capital to assets | 8.1799% | 5,946 |
| Core capital (leverage) ratio | 8.4880% | 5,528 |
| Tier 1 risk-based capital ratio | 9.5933% | 6,257 |
| Total risk-based capital ratio | 10.8561% | 6,222 |
| Memoranda: | ||
| Average total assets | $438,251,500 | 1,555 |
| Average earning assets | $398,189,000 | 1,564 |
| Average equity | $34,084,000 | 2,123 |
| Average total loans | $386,187,500 | 1,196 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5236% | 303 |
| Cost of funding earning assets | 1.0258% | 200 |
| Net interest margin | 4.4979% | 752 |
| Noninterest income to average assets | 5.5453% | 111 |
| Noninterest expense to average assets | 6.1294% | 172 |
| Loan and lease loss provision to assets | 0.0278% | 4,049 |
| Net operating income to assets | 2.3950% | 169 |
| Return on assets (ROA) | 2.3950% | 173 |
| Pretax return on assets | 3.5352% | 80 |
| Return on Equity (ROE) | 30.2932% | 57 |
| Retained earnings to average equity (ytd only) | 23.7738% | 45 |
| Net charge-offs to loans | 0.2807% | 1,545 |
| Credit loss provision to net charge-offs | 11.2269% | 4,090 |
| Earnings coverage of net charge-offs (x) | 14.4016% | 2,171 |
| Efficiency ratio | 63.2397% | 4,714 |
| Assets per employee ($millions) | 2.5850% | 6,116 |
| Cash dividends to net income (ytd only)* | 21.5208% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 2,712 |
| Loan loss allowance to noncurrent loans | 101.7258% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.4563% | 1,886 |
| Noncurrent loans to loans | 1.4213% | 2,069 |
| Net loans and leases to total assets | 87.7292% | 125 |
| Net loans and leases to deposits | 114.8989% | 149 |
| Net loans and leases to core deposits | 131.9569% | 223 |
| Total domestic deposits to total assets | 76.3534% | 5,681 |
| Equity capital to assets | 7.3424% | 6,274 |
| Core capital (leverage) ratio | 8.3155% | 5,760 |
| Tier 1 risk-based capital ratio | 9.3267% | 6,376 |
| Total risk-based capital ratio | 10.5817% | 6,354 |
| Memoranda: | ||
| Average total assets | $349,233,200 | 1,861 |
| Average earning assets | $321,997,600 | 1,860 |
| Average equity | $27,610,200 | 2,437 |
| Average total loans | $307,809,600 | 1,392 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6534% | 247 |
| Cost of funding earning assets | 1.0640% | 181 |
| Net interest margin | 4.5894% | 630 |
| Noninterest income to average assets | 5.2204% | 118 |
| Noninterest expense to average assets | 6.1302% | 178 |
| Loan and lease loss provision to assets | 0.0390% | 3,629 |
| Net operating income to assets | 2.1911% | 242 |
| Return on assets (ROA) | 2.1911% | 245 |
| Pretax return on assets | 3.2881% | 99 |
| Return on Equity (ROE) | 27.1007% | 77 |
| Retained earnings to average equity (ytd only) | 27.1007% | 33 |
| Net charge-offs to loans | 0.2804% | 1,404 |
| Credit loss provision to net charge-offs | 15.8497% | 3,622 |
| Earnings coverage of net charge-offs (x) | 13.5049% | 2,219 |
| Efficiency ratio | 64.8193% | 4,406 |
| Assets per employee ($millions) | 2.4039% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 1,714 |
| Loan loss allowance to noncurrent loans | 103.6908% | 3,584 |
| Noncurrent assets plus other real estate owned to assets | 1.7375% | 1,721 |
| Noncurrent loans to loans | 1.7265% | 1,881 |
| Net loans and leases to total assets | 86.3374% | 178 |
| Net loans and leases to deposits | 109.9372% | 221 |
| Net loans and leases to core deposits | 120.8504% | 380 |
| Total domestic deposits to total assets | 78.5334% | 5,430 |
| Equity capital to assets | 8.2666% | 5,971 |
| Core capital (leverage) ratio | 8.9313% | 5,153 |
| Tier 1 risk-based capital ratio | 10.4781% | 6,215 |
| Total risk-based capital ratio | 11.7374% | 6,159 |
| Memoranda: | ||
| Average total assets | $331,204,000 | 1,970 |
| Average earning assets | $305,768,750 | 1,975 |
| Average equity | $26,778,500 | 2,513 |
| Average total loans | $290,994,500 | 1,482 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6622% | 237 |
| Cost of funding earning assets | 1.0814% | 162 |
| Net interest margin | 4.5808% | 603 |
| Noninterest income to average assets | 4.5120% | 131 |
| Noninterest expense to average assets | 5.7036% | 208 |
| Loan and lease loss provision to assets | 0.0604% | 3,064 |
| Net operating income to assets | 1.9950% | 342 |
| Return on assets (ROA) | 1.9950% | 353 |
| Pretax return on assets | 2.9893% | 117 |
| Return on Equity (ROE) | 24.8829% | 113 |
| Retained earnings to average equity (ytd only) | 24.8829% | 44 |
| Net charge-offs to loans | 0.2260% | 1,688 |
| Credit loss provision to net charge-offs | 30.4075% | 3,053 |
| Earnings coverage of net charge-offs (x) | 15.3636% | 1,853 |
| Efficiency ratio | 65.1596% | 4,495 |
| Assets per employee ($millions) | 2.5611% | 6,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9417% | 1,478 |
| Loan loss allowance to noncurrent loans | 98.2064% | 3,676 |
| Noncurrent assets plus other real estate owned to assets | 1.9098% | 1,694 |
| Noncurrent loans to loans | 1.9771% | 1,709 |
| Net loans and leases to total assets | 86.5322% | 149 |
| Net loans and leases to deposits | 109.3195% | 221 |
| Net loans and leases to core deposits | 120.2938% | 372 |
| Total domestic deposits to total assets | 79.1553% | 5,427 |
| Equity capital to assets | 7.9166% | 6,198 |
| Core capital (leverage) ratio | 8.6972% | 5,398 |
| Tier 1 risk-based capital ratio | 10.3695% | 6,292 |
| Total risk-based capital ratio | 11.6317% | 6,246 |
| Memoranda: | ||
| Average total assets | $321,410,670 | 2,032 |
| Average earning assets | $297,588,000 | 2,024 |
| Average equity | $25,768,670 | 2,589 |
| Average total loans | $282,328,000 | 1,512 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7739% | 196 |
| Cost of funding earning assets | 1.1206% | 144 |
| Net interest margin | 4.6533% | 504 |
| Noninterest income to average assets | 3.0094% | 183 |
| Noninterest expense to average assets | 5.1811% | 285 |
| Loan and lease loss provision to assets | 0.0740% | 2,654 |
| Net operating income to assets | 1.3807% | 1,033 |
| Return on assets (ROA) | 1.3807% | 1,074 |
| Pretax return on assets | 2.0639% | 460 |
| Return on Equity (ROE) | 17.0997% | 521 |
| Retained earnings to average equity (ytd only) | 17.0997% | 217 |
| Net charge-offs to loans | 0.4151% | 875 |
| Credit loss provision to net charge-offs | 20.3571% | 2,493 |
| Earnings coverage of net charge-offs (x) | 5.8786% | 2,318 |
| Efficiency ratio | 70.7897% | 3,685 |
| Assets per employee ($millions) | 2.5927% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1354% | 1,260 |
| Loan loss allowance to noncurrent loans | 99.5828% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 2.1659% | 1,535 |
| Noncurrent loans to loans | 2.1444% | 1,706 |
| Net loans and leases to total assets | 86.4552% | 123 |
| Net loans and leases to deposits | 102.7844% | 340 |
| Net loans and leases to core deposits | 114.4431% | 452 |
| Total domestic deposits to total assets | 84.1132% | 4,235 |
| Equity capital to assets | 8.0352% | 6,032 |
| Core capital (leverage) ratio | 8.4849% | 5,666 |
| Tier 1 risk-based capital ratio | 10.1865% | 6,428 |
| Total risk-based capital ratio | 11.4505% | 6,391 |
| Memoranda: | ||
| Average total assets | $307,963,500 | 2,125 |
| Average earning assets | $285,216,500 | 2,109 |
| Average equity | $24,866,000 | 2,658 |
| Average total loans | $269,810,000 | 1,579 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2340% | 117 |
| Cost of funding earning assets | 1.3155% | 103 |
| Net interest margin | 4.9185% | 348 |
| Noninterest income to average assets | 2.5184% | 280 |
| Noninterest expense to average assets | 4.7351% | 432 |
| Loan and lease loss provision to assets | 1.4394% | 97 |
| Net operating income to assets | 0.6074% | 4,231 |
| Return on assets (ROA) | 0.6074% | 4,347 |
| Pretax return on assets | 0.8994% | 3,767 |
| Return on Equity (ROE) | 8.0854% | 2,996 |
| Retained earnings to average equity (ytd only) | 8.0854% | 1,029 |
| Net charge-offs to loans | 0.6004% | 1,091 |
| Credit loss provision to net charge-offs | 275.6673% | 823 |
| Earnings coverage of net charge-offs (x) | 4.4792% | 3,555 |
| Efficiency ratio | 66.9370% | 4,380 |
| Assets per employee ($millions) | 2.4559% | 6,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3790% | 950 |
| Loan loss allowance to noncurrent loans | 97.2812% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 2.4795% | 1,388 |
| Noncurrent loans to loans | 2.4455% | 1,562 |
| Net loans and leases to total assets | 84.7737% | 208 |
| Net loans and leases to deposits | 96.2446% | 712 |
| Net loans and leases to core deposits | 105.4423% | 824 |
| Total domestic deposits to total assets | 88.0816% | 2,127 |
| Equity capital to assets | 8.1156% | 5,926 |
| Core capital (leverage) ratio | 8.0998% | 6,055 |
| Tier 1 risk-based capital ratio | 10.4038% | 6,397 |
| Total risk-based capital ratio | 11.6712% | 6,343 |
| Memoranda: | ||
| Average total assets | $308,526,200 | 2,089 |
| Average earning assets | $285,756,400 | 2,069 |
| Average equity | $23,177,600 | 2,801 |
| Average total loans | $268,316,000 | 1,560 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3079% | 121 |
| Cost of funding earning assets | 1.3519% | 94 |
| Net interest margin | 4.9560% | 343 |
| Noninterest income to average assets | 2.2041% | 363 |
| Noninterest expense to average assets | 4.5064% | 516 |
| Loan and lease loss provision to assets | 1.6394% | 66 |
| Net operating income to assets | 0.4411% | 5,069 |
| Return on assets (ROA) | 0.4411% | 5,211 |
| Pretax return on assets | 0.6513% | 4,853 |
| Return on Equity (ROE) | 5.9871% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.9871% | 2,417 |
| Net charge-offs to loans | 0.5529% | 1,150 |
| Credit loss provision to net charge-offs | 340.8564% | 758 |
| Earnings coverage of net charge-offs (x) | 4.7627% | 3,357 |
| Efficiency ratio | 66.2984% | 4,433 |
| Assets per employee ($millions) | 2.5044% | 6,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2840% | 1,207 |
| Loan loss allowance to noncurrent loans | 93.9389% | 3,634 |
| Noncurrent assets plus other real estate owned to assets | 2.5112% | 1,532 |
| Noncurrent loans to loans | 2.4314% | 1,800 |
| Net loans and leases to total assets | 85.5540% | 165 |
| Net loans and leases to deposits | 98.4372% | 544 |
| Net loans and leases to core deposits | 107.7515% | 677 |
| Total domestic deposits to total assets | 86.9122% | 2,745 |
| Equity capital to assets | 7.7535% | 6,280 |
| Core capital (leverage) ratio | 7.7613% | 6,348 |
| Tier 1 risk-based capital ratio | 10.1123% | 6,567 |
| Total risk-based capital ratio | 11.3791% | 6,536 |
| Memoranda: | ||
| Average total assets | $310,752,750 | 2,082 |
| Average earning assets | $287,992,000 | 2,068 |
| Average equity | $22,893,000 | 2,864 |
| Average total loans | $270,347,750 | 1,555 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3667% | 108 |
| Cost of funding earning assets | 1.3845% | 92 |
| Net interest margin | 4.9822% | 320 |
| Noninterest income to average assets | 2.3241% | 362 |
| Noninterest expense to average assets | 4.4159% | 567 |
| Loan and lease loss provision to assets | 2.8820% | 24 |
| Net operating income to assets | -0.2298% | 6,507 |
| Return on assets (ROA) | -0.2298% | 6,539 |
| Pretax return on assets | -0.3524% | 6,576 |
| Return on Equity (ROE) | -3.1729% | 6,590 |
| Retained earnings to average equity (ytd only) | -3.1729% | 6,328 |
| Net charge-offs to loans | 0.7793% | 806 |
| Credit loss provision to net charge-offs | 425.9434% | 633 |
| Earnings coverage of net charge-offs (x) | 3.7387% | 3,317 |
| Efficiency ratio | 63.5787% | 4,925 |
| Assets per employee ($millions) | 3.0851% | 5,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6340% | 849 |
| Loan loss allowance to noncurrent loans | 99.8242% | 3,467 |
| Noncurrent assets plus other real estate owned to assets | 2.5820% | 1,627 |
| Noncurrent loans to loans | 2.6386% | 1,734 |
| Net loans and leases to total assets | 82.4800% | 323 |
| Net loans and leases to deposits | 92.6782% | 909 |
| Net loans and leases to core deposits | 101.1045% | 997 |
| Total domestic deposits to total assets | 88.9961% | 1,636 |
| Equity capital to assets | 7.2426% | 6,529 |
| Core capital (leverage) ratio | 7.0469% | 6,601 |
| Tier 1 risk-based capital ratio | 9.8300% | 6,669 |
| Total risk-based capital ratio | 11.1020% | 6,646 |
| Memoranda: | ||
| Average total assets | $313,324,330 | 2,072 |
| Average earning assets | $290,637,330 | 2,052 |
| Average equity | $22,692,000 | 2,901 |
| Average total loans | $272,023,330 | 1,546 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2857% | 115 |
| Cost of funding earning assets | 1.3775% | 112 |
| Net interest margin | 4.9082% | 334 |
| Noninterest income to average assets | 2.0487% | 424 |
| Noninterest expense to average assets | 4.1491% | 756 |
| Loan and lease loss provision to assets | 0.7426% | 314 |
| Net operating income to assets | 1.1649% | 1,625 |
| Return on assets (ROA) | 1.1649% | 1,733 |
| Pretax return on assets | 1.7209% | 1,031 |
| Return on Equity (ROE) | 16.0853% | 599 |
| Retained earnings to average equity (ytd only) | 16.0853% | 272 |
| Net charge-offs to loans | 0.5454% | 1,109 |
| Credit loss provision to net charge-offs | 155.0000% | 1,334 |
| Earnings coverage of net charge-offs (x) | 5.1421% | 2,405 |
| Efficiency ratio | 62.7455% | 5,192 |
| Assets per employee ($millions) | 3.7069% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 4,836 |
| Loan loss allowance to noncurrent loans | 50.4952% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 2.6487% | 1,716 |
| Noncurrent loans to loans | 2.5205% | 2,048 |
| Net loans and leases to total assets | 86.8435% | 97 |
| Net loans and leases to deposits | 99.9296% | 358 |
| Net loans and leases to core deposits | 108.2603% | 553 |
| Total domestic deposits to total assets | 86.9047% | 3,017 |
| Equity capital to assets | 7.3606% | 6,632 |
| Core capital (leverage) ratio | 7.5284% | 6,456 |
| Tier 1 risk-based capital ratio | 9.3943% | 6,773 |
| Total risk-based capital ratio | 10.6487% | 6,768 |
| Memoranda: | ||
| Average total assets | $317,272,500 | 2,060 |
| Average earning assets | $295,017,000 | 2,037 |
| Average equity | $22,977,500 | 2,928 |
| Average total loans | $278,669,000 | 1,531 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6263% | 114 |
| Cost of funding earning assets | 1.5678% | 118 |
| Net interest margin | 5.0585% | 345 |
| Noninterest income to average assets | 1.7950% | 513 |
| Noninterest expense to average assets | 3.9045% | 1,095 |
| Loan and lease loss provision to assets | 0.5377% | 1,072 |
| Net operating income to assets | 2.0838% | 310 |
| Return on assets (ROA) | 2.1157% | 324 |
| Pretax return on assets | 2.0525% | 546 |
| Return on Equity (ROE) | 33.4970% | 47 |
| Retained earnings to average equity (ytd only) | 33.4970% | 16 |
| Net charge-offs to loans | 1.4542% | 623 |
| Credit loss provision to net charge-offs | 41.8825% | 4,896 |
| Earnings coverage of net charge-offs (x) | 1.9928% | 4,420 |
| Efficiency ratio | 60.4157% | 5,484 |
| Assets per employee ($millions) | 3.7589% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 5,052 |
| Loan loss allowance to noncurrent loans | 37.3250% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 3.3428% | 1,375 |
| Noncurrent loans to loans | 3.2508% | 1,581 |
| Net loans and leases to total assets | 86.6369% | 114 |
| Net loans and leases to deposits | 100.1508% | 409 |
| Net loans and leases to core deposits | 107.8742% | 613 |
| Total domestic deposits to total assets | 86.5065% | 3,092 |
| Equity capital to assets | 7.1227% | 6,746 |
| Core capital (leverage) ratio | 7.2459% | 6,615 |
| Tier 1 risk-based capital ratio | 11.7393% | 5,935 |
| Total risk-based capital ratio | 12.9980% | 5,899 |
| Memoranda: | ||
| Average total assets | $303,727,000 | 2,116 |
| Average earning assets | $280,262,800 | 2,099 |
| Average equity | $19,183,800 | 3,307 |
| Average total loans | $268,124,000 | 1,549 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6522% | 117 |
| Cost of funding earning assets | 1.6041% | 122 |
| Net interest margin | 5.0481% | 372 |
| Noninterest income to average assets | 1.2831% | 899 |
| Noninterest expense to average assets | 3.8249% | 1,168 |
| Loan and lease loss provision to assets | 0.4066% | 1,575 |
| Net operating income to assets | 2.1228% | 318 |
| Return on assets (ROA) | 2.1659% | 337 |
| Pretax return on assets | 1.7478% | 1,165 |
| Return on Equity (ROE) | 35.4801% | 40 |
| Retained earnings to average equity (ytd only) | 35.4801% | 21 |
| Net charge-offs to loans | 0.9356% | 1,156 |
| Credit loss provision to net charge-offs | 49.1426% | 4,421 |
| Earnings coverage of net charge-offs (x) | 2.5520% | 4,021 |
| Efficiency ratio | 64.4335% | 4,733 |
| Assets per employee ($millions) | 4.1339% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 3,036 |
| Loan loss allowance to noncurrent loans | 47.7342% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 3.9021% | 1,248 |
| Noncurrent loans to loans | 3.6287% | 1,491 |
| Net loans and leases to total assets | 86.7369% | 123 |
| Net loans and leases to deposits | 98.2853% | 527 |
| Net loans and leases to core deposits | 105.6143% | 761 |
| Total domestic deposits to total assets | 88.2501% | 1,878 |
| Equity capital to assets | 6.8321% | 6,906 |
| Core capital (leverage) ratio | 6.6274% | 6,863 |
| Tier 1 risk-based capital ratio | 10.6012% | 6,634 |
| Total risk-based capital ratio | 11.8441% | 6,618 |
| Memoranda: | ||
| Average total assets | $300,721,000 | 2,152 |
| Average earning assets | $277,193,750 | 2,137 |
| Average equity | $18,357,250 | 3,459 |
| Average total loans | $265,925,750 | 1,569 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6265% | 127 |
| Cost of funding earning assets | 1.6544% | 124 |
| Net interest margin | 4.9720% | 422 |
| Noninterest income to average assets | 1.3840% | 754 |
| Noninterest expense to average assets | 3.8255% | 1,172 |
| Loan and lease loss provision to assets | 0.5044% | 1,253 |
| Net operating income to assets | 2.5686% | 156 |
| Return on assets (ROA) | 2.6201% | 160 |
| Pretax return on assets | 1.6850% | 1,302 |
| Return on Equity (ROE) | 44.7410% | 30 |
| Retained earnings to average equity (ytd only) | 44.7410% | 19 |
| Net charge-offs to loans | 0.7673% | 1,435 |
| Credit loss provision to net charge-offs | 74.2857% | 3,470 |
| Earnings coverage of net charge-offs (x) | 3.1488% | 3,481 |
| Efficiency ratio | 64.1503% | 4,874 |
| Assets per employee ($millions) | 4.7060% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 2,259 |
| Loan loss allowance to noncurrent loans | 58.5699% | 4,707 |
| Noncurrent assets plus other real estate owned to assets | 3.7065% | 1,407 |
| Noncurrent loans to loans | 3.3976% | 1,704 |
| Net loans and leases to total assets | 86.3831% | 124 |
| Net loans and leases to deposits | 101.0598% | 379 |
| Net loans and leases to core deposits | 108.2996% | 652 |
| Total domestic deposits to total assets | 85.4772% | 3,621 |
| Equity capital to assets | 6.5036% | 6,978 |
| Core capital (leverage) ratio | 6.2573% | 6,958 |
| Tier 1 risk-based capital ratio | 9.6051% | 6,910 |
| Total risk-based capital ratio | 10.8787% | 6,896 |
| Memoranda: | ||
| Average total assets | $298,991,330 | 2,163 |
| Average earning assets | $275,381,000 | 2,150 |
| Average equity | $17,509,670 | 3,569 |
| Average total loans | $264,563,000 | 1,580 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7628% | 121 |
| Cost of funding earning assets | 1.7311% | 113 |
| Net interest margin | 5.0317% | 378 |
| Noninterest income to average assets | 1.4265% | 715 |
| Noninterest expense to average assets | 3.9385% | 1,007 |
| Loan and lease loss provision to assets | 0.5414% | 1,095 |
| Net operating income to assets | 1.0787% | 2,173 |
| Return on assets (ROA) | 1.0787% | 2,357 |
| Pretax return on assets | 1.5849% | 1,617 |
| Return on Equity (ROE) | 19.5373% | 408 |
| Retained earnings to average equity (ytd only) | 19.5373% | 201 |
| Net charge-offs to loans | 0.8884% | 1,160 |
| Credit loss provision to net charge-offs | 68.7285% | 2,943 |
| Earnings coverage of net charge-offs (x) | 2.6993% | 3,099 |
| Efficiency ratio | 64.9409% | 4,749 |
| Assets per employee ($millions) | 3.7953% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1275% | 2,029 |
| Loan loss allowance to noncurrent loans | 58.0198% | 4,632 |
| Noncurrent assets plus other real estate owned to assets | 4.1870% | 1,300 |
| Noncurrent loans to loans | 3.6669% | 1,691 |
| Net loans and leases to total assets | 85.6977% | 128 |
| Net loans and leases to deposits | 95.6057% | 562 |
| Net loans and leases to core deposits | 103.0007% | 813 |
| Total domestic deposits to total assets | 89.6366% | 1,280 |
| Equity capital to assets | 5.7114% | 7,095 |
| Core capital (leverage) ratio | 5.6247% | 7,075 |
| Tier 1 risk-based capital ratio | 8.8193% | 7,047 |
| Total risk-based capital ratio | 10.0907% | 7,050 |
| Memoranda: | ||
| Average total assets | $295,541,500 | 2,200 |
| Average earning assets | $272,433,500 | 2,183 |
| Average equity | $16,317,500 | 3,761 |
| Average total loans | $262,043,000 | 1,600 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8149% | 123 |
| Cost of funding earning assets | 2.1739% | 59 |
| Net interest margin | 4.6410% | 849 |
| Noninterest income to average assets | 0.7147% | 2,524 |
| Noninterest expense to average assets | 3.4680% | 2,063 |
| Loan and lease loss provision to assets | 0.8003% | 1,230 |
| Net operating income to assets | 1.1577% | 1,647 |
| Return on assets (ROA) | 1.1091% | 1,914 |
| Pretax return on assets | 0.6593% | 4,475 |
| Return on Equity (ROE) | 22.5801% | 170 |
| Retained earnings to average equity (ytd only) | 22.5801% | 34 |
| Net charge-offs to loans | 1.5023% | 1,066 |
| Credit loss provision to net charge-offs | 63.0564% | 5,087 |
| Earnings coverage of net charge-offs (x) | 1.1883% | 4,896 |
| Efficiency ratio | 69.6919% | 4,026 |
| Assets per employee ($millions) | 3.8313% | 4,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0977% | 2,012 |
| Loan loss allowance to noncurrent loans | 58.1799% | 4,600 |
| Noncurrent assets plus other real estate owned to assets | 4.1102% | 1,394 |
| Noncurrent loans to loans | 3.6055% | 1,770 |
| Net loans and leases to total assets | 87.8632% | 80 |
| Net loans and leases to deposits | 108.4470% | 199 |
| Net loans and leases to core deposits | 116.9282% | 424 |
| Total domestic deposits to total assets | 81.0195% | 5,438 |
| Equity capital to assets | 5.3352% | 7,146 |
| Core capital (leverage) ratio | 5.4432% | 7,101 |
| Tier 1 risk-based capital ratio | 8.0676% | 7,107 |
| Total risk-based capital ratio | 9.3388% | 7,108 |
| Memoranda: | ||
| Average total assets | $277,881,400 | 2,285 |
| Average earning assets | $255,162,400 | 2,268 |
| Average equity | $13,649,200 | 4,198 |
| Average total loans | $234,770,000 | 1,781 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7525% | 141 |
| Cost of funding earning assets | 2.2841% | 50 |
| Net interest margin | 4.4684% | 1,221 |
| Noninterest income to average assets | 0.5873% | 3,249 |
| Noninterest expense to average assets | 3.3298% | 2,403 |
| Loan and lease loss provision to assets | 0.9888% | 874 |
| Net operating income to assets | 0.3673% | 5,135 |
| Return on assets (ROA) | 0.3404% | 5,424 |
| Pretax return on assets | 0.3404% | 5,623 |
| Return on Equity (ROE) | 7.0971% | 3,479 |
| Retained earnings to average equity (ytd only) | 7.0971% | 1,919 |
| Net charge-offs to loans | 1.3980% | 1,075 |
| Credit loss provision to net charge-offs | 85.1727% | 3,956 |
| Earnings coverage of net charge-offs (x) | 1.1681% | 4,748 |
| Efficiency ratio | 71.0603% | 3,731 |
| Assets per employee ($millions) | 4.0725% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5281% | 1,357 |
| Loan loss allowance to noncurrent loans | 63.6936% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 4.7074% | 1,253 |
| Noncurrent loans to loans | 3.9691% | 1,669 |
| Net loans and leases to total assets | 86.4821% | 120 |
| Net loans and leases to deposits | 105.5593% | 265 |
| Net loans and leases to core deposits | 114.6802% | 534 |
| Total domestic deposits to total assets | 81.9275% | 5,120 |
| Equity capital to assets | 4.6140% | 7,286 |
| Core capital (leverage) ratio | 5.0974% | 7,231 |
| Tier 1 risk-based capital ratio | 7.3212% | 7,225 |
| Total risk-based capital ratio | 8.6009% | 7,225 |
| Memoranda: | ||
| Average total assets | $272,640,750 | 2,336 |
| Average earning assets | $250,074,500 | 2,319 |
| Average equity | $13,075,500 | 4,335 |
| Average total loans | $226,412,500 | 1,845 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8107% | 137 |
| Cost of funding earning assets | 2.4111% | 45 |
| Net interest margin | 4.3996% | 1,367 |
| Noninterest income to average assets | 0.5749% | 3,298 |
| Noninterest expense to average assets | 3.2696% | 2,672 |
| Loan and lease loss provision to assets | 1.1942% | 654 |
| Net operating income to assets | 0.1370% | 5,917 |
| Return on assets (ROA) | 0.1257% | 6,037 |
| Pretax return on assets | 0.1257% | 6,056 |
| Return on Equity (ROE) | 2.5843% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.5843% | 4,651 |
| Net charge-offs to loans | 1.5960% | 920 |
| Credit loss provision to net charge-offs | 92.4287% | 3,392 |
| Earnings coverage of net charge-offs (x) | 1.0303% | 4,519 |
| Efficiency ratio | 71.0664% | 3,924 |
| Assets per employee ($millions) | 3.7158% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0500% | 854 |
| Loan loss allowance to noncurrent loans | 61.7417% | 4,364 |
| Noncurrent assets plus other real estate owned to assets | 5.3836% | 1,104 |
| Noncurrent loans to loans | 4.9400% | 1,327 |
| Net loans and leases to total assets | 81.9183% | 376 |
| Net loans and leases to deposits | 96.0904% | 717 |
| Net loans and leases to core deposits | 103.9249% | 1,048 |
| Total domestic deposits to total assets | 85.2513% | 3,755 |
| Equity capital to assets | 4.9128% | 7,328 |
| Core capital (leverage) ratio | 5.0133% | 7,299 |
| Tier 1 risk-based capital ratio | 7.6368% | 7,273 |
| Total risk-based capital ratio | 8.9201% | 7,276 |
| Memoranda: | ||
| Average total assets | $265,781,330 | 2,396 |
| Average earning assets | $243,205,670 | 2,389 |
| Average equity | $12,924,330 | 4,359 |
| Average total loans | $215,163,670 | 1,946 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7986% | 138 |
| Cost of funding earning assets | 2.5231% | 36 |
| Net interest margin | 4.2756% | 1,644 |
| Noninterest income to average assets | 0.7632% | 2,202 |
| Noninterest expense to average assets | 3.2313% | 2,773 |
| Loan and lease loss provision to assets | 1.2985% | 526 |
| Net operating income to assets | 0.1439% | 5,960 |
| Return on assets (ROA) | 0.1439% | 6,016 |
| Pretax return on assets | 0.1439% | 6,065 |
| Return on Equity (ROE) | 2.9754% | 5,386 |
| Retained earnings to average equity (ytd only) | 2.9754% | 4,382 |
| Net charge-offs to loans | 1.1832% | 1,177 |
| Credit loss provision to net charge-offs | 138.5600% | 2,020 |
| Earnings coverage of net charge-offs (x) | 1.5392% | 3,559 |
| Efficiency ratio | 69.1370% | 4,447 |
| Assets per employee ($millions) | 4.0432% | 3,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5133% | 597 |
| Loan loss allowance to noncurrent loans | 66.0403% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 5.4072% | 1,132 |
| Noncurrent loans to loans | 5.3199% | 1,239 |
| Net loans and leases to total assets | 76.0968% | 1,021 |
| Net loans and leases to deposits | 89.5148% | 1,290 |
| Net loans and leases to core deposits | 98.4787% | 1,476 |
| Total domestic deposits to total assets | 85.0103% | 4,029 |
| Equity capital to assets | 5.0165% | 7,377 |
| Core capital (leverage) ratio | 4.9086% | 7,371 |
| Tier 1 risk-based capital ratio | 7.8578% | 7,307 |
| Total risk-based capital ratio | 9.1341% | 7,309 |
| Memoranda: | ||
| Average total assets | $266,762,500 | 2,412 |
| Average earning assets | $243,990,000 | 2,407 |
| Average equity | $12,906,000 | 4,359 |
| Average total loans | $211,288,000 | 2,001 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5513% | 76 |
| Cost of funding earning assets | 3.0687% | 21 |
| Net interest margin | 4.4826% | 1,269 |
| Noninterest income to average assets | 0.8353% | 2,120 |
| Noninterest expense to average assets | 3.4599% | 2,277 |
| Loan and lease loss provision to assets | 1.3691% | 1,103 |
| Net operating income to assets | 0.0894% | 5,614 |
| Return on assets (ROA) | 0.0168% | 5,918 |
| Pretax return on assets | 0.0168% | 5,863 |
| Return on Equity (ROE) | 0.3590% | 5,867 |
| Retained earnings to average equity (ytd only) | 0.3590% | 5,396 |
| Net charge-offs to loans | 3.0649% | 529 |
| Credit loss provision to net charge-offs | 54.1716% | 6,194 |
| Earnings coverage of net charge-offs (x) | 0.5771% | 5,527 |
| Efficiency ratio | 70.3454% | 4,103 |
| Assets per employee ($millions) | 4.1630% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1713% | 750 |
| Loan loss allowance to noncurrent loans | 57.8477% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 5.3541% | 1,158 |
| Noncurrent loans to loans | 5.4821% | 1,201 |
| Net loans and leases to total assets | 76.9999% | 1,095 |
| Net loans and leases to deposits | 98.8123% | 653 |
| Net loans and leases to core deposits | 108.8107% | 996 |
| Total domestic deposits to total assets | 77.9255% | 6,331 |
| Equity capital to assets | 4.6699% | 7,463 |
| Core capital (leverage) ratio | 4.6301% | 7,450 |
| Tier 1 risk-based capital ratio | 7.3068% | 7,399 |
| Total risk-based capital ratio | 8.5900% | 7,402 |
| Memoranda: | ||
| Average total assets | $268,418,200 | 2,376 |
| Average earning assets | $244,502,200 | 2,390 |
| Average equity | $12,534,600 | 4,471 |
| Average total loans | $221,343,800 | 1,961 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5835% | 82 |
| Cost of funding earning assets | 3.1322% | 21 |
| Net interest margin | 4.4513% | 1,369 |
| Noninterest income to average assets | 0.6236% | 3,289 |
| Noninterest expense to average assets | 3.3848% | 2,340 |
| Loan and lease loss provision to assets | 1.3866% | 975 |
| Net operating income to assets | -0.1009% | 6,184 |
| Return on assets (ROA) | -0.1599% | 6,341 |
| Pretax return on assets | -0.1599% | 6,281 |
| Return on Equity (ROE) | -3.4241% | 6,529 |
| Retained earnings to average equity (ytd only) | -3.4241% | 6,396 |
| Net charge-offs to loans | 2.8581% | 562 |
| Credit loss provision to net charge-offs | 58.2983% | 5,740 |
| Earnings coverage of net charge-offs (x) | 0.5405% | 5,484 |
| Efficiency ratio | 72.4725% | 3,615 |
| Assets per employee ($millions) | 4.1772% | 3,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3852% | 586 |
| Loan loss allowance to noncurrent loans | 58.3932% | 4,419 |
| Noncurrent assets plus other real estate owned to assets | 6.0676% | 982 |
| Noncurrent loans to loans | 5.7972% | 1,118 |
| Net loans and leases to total assets | 83.3657% | 373 |
| Net loans and leases to deposits | 107.4703% | 307 |
| Net loans and leases to core deposits | 123.2001% | 522 |
| Total domestic deposits to total assets | 77.5709% | 6,354 |
| Equity capital to assets | 4.5586% | 7,610 |
| Core capital (leverage) ratio | 4.6663% | 7,581 |
| Tier 1 risk-based capital ratio | 6.7807% | 7,566 |
| Total risk-based capital ratio | 8.0688% | 7,569 |
| Memoranda: | ||
| Average total assets | $266,832,750 | 2,425 |
| Average earning assets | $242,592,000 | 2,441 |
| Average equity | $12,460,500 | 4,562 |
| Average total loans | $222,056,250 | 1,983 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5889% | 86 |
| Cost of funding earning assets | 3.2439% | 24 |
| Net interest margin | 4.3450% | 1,615 |
| Noninterest income to average assets | 0.3456% | 5,382 |
| Noninterest expense to average assets | 3.3008% | 2,558 |
| Loan and lease loss provision to assets | 1.3832% | 973 |
| Net operating income to assets | -0.3964% | 6,562 |
| Return on assets (ROA) | -0.5957% | 6,769 |
| Pretax return on assets | -0.5957% | 6,656 |
| Return on Equity (ROE) | -12.6522% | 7,059 |
| Retained earnings to average equity (ytd only) | -12.6522% | 7,020 |
| Net charge-offs to loans | 2.8232% | 579 |
| Credit loss provision to net charge-offs | 59.6405% | 5,210 |
| Earnings coverage of net charge-offs (x) | 0.4255% | 5,298 |
| Efficiency ratio | 76.9843% | 2,896 |
| Assets per employee ($millions) | 4.0842% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9008% | 400 |
| Loan loss allowance to noncurrent loans | 65.3915% | 4,071 |
| Noncurrent assets plus other real estate owned to assets | 6.3159% | 911 |
| Noncurrent loans to loans | 5.9654% | 1,076 |
| Net loans and leases to total assets | 82.9674% | 442 |
| Net loans and leases to deposits | 113.0800% | 214 |
| Net loans and leases to core deposits | 131.5759% | 398 |
| Total domestic deposits to total assets | 73.3705% | 7,055 |
| Equity capital to assets | 4.6601% | 7,656 |
| Core capital (leverage) ratio | 4.6111% | 7,647 |
| Tier 1 risk-based capital ratio | 6.7327% | 7,624 |
| Total risk-based capital ratio | 8.0275% | 7,625 |
| Memoranda: | ||
| Average total assets | $263,878,330 | 2,476 |
| Average earning assets | $239,402,000 | 2,486 |
| Average equity | $12,424,670 | 4,568 |
| Average total loans | $216,778,670 | 2,059 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5521% | 101 |
| Cost of funding earning assets | 3.3336% | 23 |
| Net interest margin | 4.2185% | 1,966 |
| Noninterest income to average assets | 0.0287% | 7,565 |
| Noninterest expense to average assets | 3.2166% | 2,793 |
| Loan and lease loss provision to assets | 1.3579% | 880 |
| Net operating income to assets | -0.7197% | 6,964 |
| Return on assets (ROA) | -0.7166% | 6,986 |
| Pretax return on assets | -0.7166% | 6,906 |
| Return on Equity (ROE) | -15.1437% | 7,315 |
| Retained earnings to average equity (ytd only) | -15.1437% | 7,214 |
| Net charge-offs to loans | 2.0383% | 839 |
| Credit loss provision to net charge-offs | 83.1793% | 3,807 |
| Earnings coverage of net charge-offs (x) | 0.3909% | 4,684 |
| Efficiency ratio | 83.4442% | 2,078 |
| Assets per employee ($millions) | 4.4445% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6982% | 221 |
| Loan loss allowance to noncurrent loans | 66.8657% | 4,014 |
| Noncurrent assets plus other real estate owned to assets | 6.7601% | 815 |
| Noncurrent loans to loans | 7.0264% | 843 |
| Net loans and leases to total assets | 74.9712% | 1,746 |
| Net loans and leases to deposits | 102.9114% | 597 |
| Net loans and leases to core deposits | 129.7869% | 501 |
| Total domestic deposits to total assets | 72.8502% | 7,182 |
| Equity capital to assets | 4.6965% | 7,744 |
| Core capital (leverage) ratio | 4.7069% | 7,726 |
| Tier 1 risk-based capital ratio | 7.0699% | 7,693 |
| Total risk-based capital ratio | 8.3739% | 7,690 |
| Memoranda: | ||
| Average total assets | $265,124,000 | 2,515 |
| Average earning assets | $240,462,500 | 2,534 |
| Average equity | $12,546,500 | 4,577 |
| Average total loans | $212,333,500 | 2,157 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1020% | 75 |
| Cost of funding earning assets | 4.1598% | 7 |
| Net interest margin | 3.9422% | 3,110 |
| Noninterest income to average assets | 0.2107% | 6,601 |
| Noninterest expense to average assets | 3.2831% | 3,071 |
| Loan and lease loss provision to assets | 2.6477% | 727 |
| Net operating income to assets | -2.1664% | 7,154 |
| Return on assets (ROA) | -2.1562% | 7,148 |
| Pretax return on assets | -2.1562% | 6,996 |
| Return on Equity (ROE) | -38.1770% | 7,538 |
| Retained earnings to average equity (ytd only) | -38.1770% | 7,526 |
| Net charge-offs to loans | 3.0964% | 668 |
| Credit loss provision to net charge-offs | 105.9045% | 5,233 |
| Earnings coverage of net charge-offs (x) | 0.1925% | 5,952 |
| Efficiency ratio | 87.2146% | 1,965 |
| Assets per employee ($millions) | 4.3930% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6713% | 214 |
| Loan loss allowance to noncurrent loans | 72.4399% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 6.7536% | 769 |
| Noncurrent loans to loans | 6.4485% | 939 |
| Net loans and leases to total assets | 77.7179% | 1,442 |
| Net loans and leases to deposits | 110.9932% | 347 |
| Net loans and leases to core deposits | 163.6088% | 305 |
| Total domestic deposits to total assets | 70.0204% | 7,426 |
| Equity capital to assets | 4.7686% | 7,805 |
| Core capital (leverage) ratio | 4.6943% | 7,790 |
| Tier 1 risk-based capital ratio | 7.2704% | 7,718 |
| Total risk-based capital ratio | 8.5748% | 7,720 |
| Memoranda: | ||
| Average total assets | $275,713,000 | 2,376 |
| Average earning assets | $248,544,200 | 2,418 |
| Average equity | $15,572,200 | 3,951 |
| Average total loans | $222,610,600 | 2,082 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1901% | 73 |
| Cost of funding earning assets | 4.2349% | 7 |
| Net interest margin | 3.9551% | 3,015 |
| Noninterest income to average assets | 0.1421% | 7,162 |
| Noninterest expense to average assets | 3.2349% | 3,175 |
| Loan and lease loss provision to assets | 2.1524% | 810 |
| Net operating income to assets | -1.6818% | 7,187 |
| Return on assets (ROA) | -1.7291% | 7,207 |
| Pretax return on assets | -1.7291% | 7,060 |
| Return on Equity (ROE) | -29.5282% | 7,596 |
| Retained earnings to average equity (ytd only) | -29.5282% | 7,586 |
| Net charge-offs to loans | 2.7350% | 654 |
| Credit loss provision to net charge-offs | 97.6987% | 5,230 |
| Earnings coverage of net charge-offs (x) | 0.2136% | 5,807 |
| Efficiency ratio | 87.2983% | 1,938 |
| Assets per employee ($millions) | 4.5532% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4640% | 216 |
| Loan loss allowance to noncurrent loans | 65.4729% | 4,049 |
| Noncurrent assets plus other real estate owned to assets | 7.4010% | 615 |
| Noncurrent loans to loans | 6.8180% | 811 |
| Net loans and leases to total assets | 72.2105% | 2,983 |
| Net loans and leases to deposits | 105.7077% | 663 |
| Net loans and leases to core deposits | 146.3847% | 675 |
| Total domestic deposits to total assets | 68.3115% | 7,549 |
| Equity capital to assets | 5.2784% | 7,933 |
| Core capital (leverage) ratio | 5.4777% | 7,874 |
| Tier 1 risk-based capital ratio | 8.0051% | 7,793 |
| Total risk-based capital ratio | 9.3014% | 7,805 |
| Memoranda: | ||
| Average total assets | $278,746,500 | 2,368 |
| Average earning assets | $251,144,000 | 2,412 |
| Average equity | $16,323,000 | 3,848 |
| Average total loans | $224,541,750 | 2,096 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3349% | 71 |
| Cost of funding earning assets | 4.3707% | 10 |
| Net interest margin | 3.9642% | 2,849 |
| Noninterest income to average assets | 0.3733% | 5,524 |
| Noninterest expense to average assets | 3.3023% | 2,948 |
| Loan and lease loss provision to assets | 2.1617% | 737 |
| Net operating income to assets | -1.5211% | 7,257 |
| Return on assets (ROA) | -1.5211% | 7,260 |
| Pretax return on assets | -1.5211% | 7,095 |
| Return on Equity (ROE) | -25.1354% | 7,630 |
| Retained earnings to average equity (ytd only) | -25.1354% | 7,593 |
| Net charge-offs to loans | 2.5199% | 684 |
| Credit loss provision to net charge-offs | 104.3115% | 4,404 |
| Earnings coverage of net charge-offs (x) | 0.3091% | 5,366 |
| Efficiency ratio | 83.7537% | 2,509 |
| Assets per employee ($millions) | 4.5060% | 2,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3592% | 195 |
| Loan loss allowance to noncurrent loans | 67.8231% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 7.5658% | 524 |
| Noncurrent loans to loans | 6.4274% | 828 |
| Net loans and leases to total assets | 77.8639% | 1,779 |
| Net loans and leases to deposits | 116.1931% | 324 |
| Net loans and leases to core deposits | 156.7670% | 502 |
| Total domestic deposits to total assets | 67.0125% | 7,680 |
| Equity capital to assets | 5.7824% | 7,963 |
| Core capital (leverage) ratio | 6.1144% | 7,896 |
| Tier 1 risk-based capital ratio | 8.3547% | 7,868 |
| Total risk-based capital ratio | 9.6494% | 7,893 |
| Memoranda: | ||
| Average total assets | $277,561,670 | 2,398 |
| Average earning assets | $249,938,000 | 2,443 |
| Average equity | $16,797,000 | 3,754 |
| Average total loans | $228,263,670 | 2,096 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3473% | 70 |
| Cost of funding earning assets | 4.3701% | 12 |
| Net interest margin | 3.9773% | 2,744 |
| Noninterest income to average assets | 0.2854% | 6,153 |
| Noninterest expense to average assets | 3.2699% | 2,738 |
| Loan and lease loss provision to assets | 3.0117% | 359 |
| Net operating income to assets | -2.4094% | 7,751 |
| Return on assets (ROA) | -2.4094% | 7,752 |
| Pretax return on assets | -2.4094% | 7,646 |
| Return on Equity (ROE) | -38.9599% | 7,977 |
| Retained earnings to average equity (ytd only) | -38.9599% | 7,953 |
| Net charge-offs to loans | 3.3249% | 374 |
| Credit loss provision to net charge-offs | 109.6033% | 3,513 |
| Earnings coverage of net charge-offs (x) | 0.2192% | 4,809 |
| Efficiency ratio | 84.4444% | 2,255 |
| Assets per employee ($millions) | 4.6732% | 2,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3416% | 160 |
| Loan loss allowance to noncurrent loans | 56.2916% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 8.2377% | 344 |
| Noncurrent loans to loans | 7.7128% | 483 |
| Net loans and leases to total assets | 79.7842% | 1,433 |
| Net loans and leases to deposits | 126.2085% | 186 |
| Net loans and leases to core deposits | 166.4130% | 402 |
| Total domestic deposits to total assets | 63.2162% | 7,877 |
| Equity capital to assets | 5.9186% | 8,010 |
| Core capital (leverage) ratio | 6.1522% | 7,979 |
| Tier 1 risk-based capital ratio | 8.6376% | 7,917 |
| Total risk-based capital ratio | 9.9334% | 7,966 |
| Memoranda: | ||
| Average total assets | $278,908,500 | 2,391 |
| Average earning assets | $251,529,500 | 2,433 |
| Average equity | $17,248,500 | 3,684 |
| Average total loans | $230,506,500 | 2,094 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7677% | 82 |
| Cost of funding earning assets | 4.5345% | 12 |
| Net interest margin | 4.2332% | 2,183 |
| Noninterest income to average assets | -0.0748% | 8,191 |
| Noninterest expense to average assets | 3.2409% | 3,182 |
| Loan and lease loss provision to assets | 3.3973% | 247 |
| Net operating income to assets | -2.8625% | 7,792 |
| Return on assets (ROA) | -2.9304% | 7,782 |
| Pretax return on assets | -2.9304% | 7,691 |
| Return on Equity (ROE) | -35.8034% | 8,033 |
| Retained earnings to average equity (ytd only) | -39.7753% | 8,047 |
| Net charge-offs to loans | 2.4194% | 411 |
| Credit loss provision to net charge-offs | 171.4239% | 2,983 |
| Earnings coverage of net charge-offs (x) | 0.2698% | 6,067 |
| Efficiency ratio | 85.8361% | 1,869 |
| Assets per employee ($millions) | 3.9829% | 3,562 |
| Cash dividends to net income (ytd only)* | -11.0939% | 7,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0992% | 175 |
| Loan loss allowance to noncurrent loans | 57.5604% | 5,115 |
| Noncurrent assets plus other real estate owned to assets | 7.2873% | 345 |
| Noncurrent loans to loans | 7.1216% | 421 |
| Net loans and leases to total assets | 78.5697% | 1,988 |
| Net loans and leases to deposits | 123.2819% | 316 |
| Net loans and leases to core deposits | 157.8732% | 622 |
| Total domestic deposits to total assets | 63.7317% | 7,808 |
| Equity capital to assets | 6.4354% | 7,957 |
| Core capital (leverage) ratio | 6.5066% | 7,935 |
| Tier 1 risk-based capital ratio | 9.3009% | 7,523 |
| Total risk-based capital ratio | 10.5945% | 7,400 |
| Memoranda: | ||
| Average total assets | $307,601,600 | 2,164 |
| Average earning assets | $279,789,800 | 2,173 |
| Average equity | $25,176,400 | 2,628 |
| Average total loans | $251,959,400 | 1,895 |