Home > Oakstar Bank > Performance and Condition Ratios
Oakstar 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 | 5.6100% | 1,022 |
| Cost of funding earning assets | 2.5017% | 361 |
| Net interest margin | 3.1084% | 3,083 |
| Noninterest income to average assets | 0.7600% | 1,035 |
| Noninterest expense to average assets | 2.9372% | 1,208 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 0.6308% | 3,361 |
| Return on assets (ROA) | 0.6308% | 3,336 |
| Pretax return on assets | 0.4759% | 3,855 |
| Return on Equity (ROE) | 6.7300% | 3,351 |
| Retained earnings to average equity (ytd only) | 6.7342% | 1,975 |
| Net charge-offs to loans | 0.1036% | 884 |
| Credit loss provision to net charge-offs | 265.5043% | 1,031 |
| Earnings coverage of net charge-offs (x) | 7.8149% | 2,381 |
| Efficiency ratio | 80.5661% | 882 |
| Assets per employee ($millions) | 6.1264% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 1,952 |
| Loan loss allowance to noncurrent loans | 203.2567% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.5432% | 1,027 |
| Noncurrent loans to loans | 0.6213% | 1,267 |
| Net loans and leases to total assets | 83.2700% | 322 |
| Net loans and leases to deposits | 96.1182% | 775 |
| Net loans and leases to core deposits | 108.9337% | 996 |
| Total domestic deposits to total assets | 86.6400% | 1,807 |
| Equity capital to assets | 9.1477% | 2,577 |
| Core capital (leverage) ratio | 9.1883% | 3,542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,159,937,400 | 531 |
| Average earning assets | $1,979,951,600 | 528 |
| Average equity | $202,309,800 | 532 |
| Average total loans | $1,799,628,600 | 442 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4895% | 1,024 |
| Cost of funding earning assets | 2.3471% | 366 |
| Net interest margin | 3.1424% | 3,046 |
| Noninterest income to average assets | 0.8100% | 922 |
| Noninterest expense to average assets | 2.9422% | 1,152 |
| Loan and lease loss provision to assets | 0.2200% | 486 |
| Net operating income to assets | 0.7155% | 3,276 |
| Return on assets (ROA) | 0.7155% | 3,263 |
| Pretax return on assets | 0.5294% | 3,861 |
| Return on Equity (ROE) | 7.5900% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.5913% | 2,108 |
| Net charge-offs to loans | 0.0831% | 895 |
| Credit loss provision to net charge-offs | 315.1680% | 852 |
| Earnings coverage of net charge-offs (x) | 10.8229% | 2,109 |
| Efficiency ratio | 78.9975% | 931 |
| Assets per employee ($millions) | 6.0145% | 2,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3122% | 1,813 |
| Loan loss allowance to noncurrent loans | 242.0455% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.4718% | 1,233 |
| Noncurrent loans to loans | 0.5421% | 1,470 |
| Net loans and leases to total assets | 82.2800% | 416 |
| Net loans and leases to deposits | 94.1628% | 884 |
| Net loans and leases to core deposits | 107.2136% | 967 |
| Total domestic deposits to total assets | 87.3800% | 1,771 |
| Equity capital to assets | 9.2300% | 2,272 |
| Core capital (leverage) ratio | 9.2093% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,127,101,250 | 540 |
| Average earning assets | $1,949,352,750 | 537 |
| Average equity | $200,487,500 | 530 |
| Average total loans | $1,766,435,000 | 449 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3402% | 1,028 |
| Cost of funding earning assets | 2.1217% | 397 |
| Net interest margin | 3.2185% | 2,942 |
| Noninterest income to average assets | 0.8600% | 756 |
| Noninterest expense to average assets | 2.9423% | 1,140 |
| Loan and lease loss provision to assets | 0.2900% | 317 |
| Net operating income to assets | 0.7607% | 3,194 |
| Return on assets (ROA) | 0.7607% | 3,213 |
| Pretax return on assets | 0.5647% | 3,860 |
| Return on Equity (ROE) | 8.0100% | 3,229 |
| Retained earnings to average equity (ytd only) | 8.0117% | 1,957 |
| Net charge-offs to loans | 0.0970% | 692 |
| Credit loss provision to net charge-offs | 366.5480% | 768 |
| Earnings coverage of net charge-offs (x) | 10.6868% | 1,989 |
| Efficiency ratio | 76.6468% | 1,117 |
| Assets per employee ($millions) | 5.8821% | 2,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3188% | 1,850 |
| Loan loss allowance to noncurrent loans | 286.4779% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3803% | 1,399 |
| Noncurrent loans to loans | 0.4604% | 1,563 |
| Net loans and leases to total assets | 81.5100% | 471 |
| Net loans and leases to deposits | 94.5810% | 817 |
| Net loans and leases to core deposits | 107.8827% | 913 |
| Total domestic deposits to total assets | 86.1800% | 2,177 |
| Equity capital to assets | 9.3463% | 2,271 |
| Core capital (leverage) ratio | 9.4459% | 3,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,096,350,333 | 538 |
| Average earning assets | $1,919,148,333 | 535 |
| Average equity | $199,034,667 | 527 |
| Average total loans | $1,738,438,000 | 441 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 859 |
| Cost of funding earning assets | 1.8926% | 371 |
| Net interest margin | 3.3773% | 2,694 |
| Noninterest income to average assets | 0.8000% | 855 |
| Noninterest expense to average assets | 2.8918% | 1,251 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 0.7991% | 3,192 |
| Return on assets (ROA) | 0.7991% | 3,147 |
| Pretax return on assets | 0.6965% | 3,671 |
| Return on Equity (ROE) | 8.3500% | 3,214 |
| Retained earnings to average equity (ytd only) | 8.3487% | 2,130 |
| Net charge-offs to loans | 0.0373% | 989 |
| Credit loss provision to net charge-offs | 941.8750% | 377 |
| Earnings coverage of net charge-offs (x) | 31.8625% | 1,276 |
| Efficiency ratio | 73.7792% | 1,366 |
| Assets per employee ($millions) | 5.3765% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 2,059 |
| Loan loss allowance to noncurrent loans | 401.8617% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.2683% | 1,798 |
| Noncurrent loans to loans | 0.3220% | 1,995 |
| Net loans and leases to total assets | 82.2500% | 349 |
| Net loans and leases to deposits | 95.9898% | 654 |
| Net loans and leases to core deposits | 107.2643% | 787 |
| Total domestic deposits to total assets | 85.6900% | 2,679 |
| Equity capital to assets | 9.4817% | 2,159 |
| Core capital (leverage) ratio | 8.7486% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,062,221,000 | 560 |
| Average earning assets | $1,880,790,500 | 551 |
| Average equity | $197,397,000 | 541 |
| Average total loans | $1,713,667,500 | 452 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1620% | 1,327 |
| Cost of funding earning assets | 0.7095% | 564 |
| Net interest margin | 3.4525% | 2,090 |
| Noninterest income to average assets | 1.4500% | 357 |
| Noninterest expense to average assets | 3.1784% | 746 |
| Loan and lease loss provision to assets | 0.1900% | 578 |
| Net operating income to assets | 1.1997% | 1,767 |
| Return on assets (ROA) | 1.1997% | 1,705 |
| Pretax return on assets | 1.2512% | 2,274 |
| Return on Equity (ROE) | 12.6700% | 1,917 |
| Retained earnings to average equity (ytd only) | 12.6734% | 559 |
| Net charge-offs to loans | 0.0747% | 898 |
| Credit loss provision to net charge-offs | 327.9279% | 871 |
| Earnings coverage of net charge-offs (x) | 24.9892% | 1,781 |
| Efficiency ratio | 68.1510% | 1,944 |
| Assets per employee ($millions) | 5.2938% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2636% | 2,077 |
| Loan loss allowance to noncurrent loans | 1,201.5891% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 2,922 |
| Noncurrent loans to loans | 0.1052% | 3,019 |
| Net loans and leases to total assets | 81.8100% | 426 |
| Net loans and leases to deposits | 95.0709% | 707 |
| Net loans and leases to core deposits | 103.2869% | 845 |
| Total domestic deposits to total assets | 86.0500% | 2,710 |
| Equity capital to assets | 9.6660% | 1,905 |
| Core capital (leverage) ratio | 9.8403% | 2,799 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,925,993,600 | 579 |
| Average earning assets | $1,766,761,800 | 572 |
| Average equity | $182,326,400 | 570 |
| Average total loans | $1,485,350,400 | 485 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 1,525 |
| Cost of funding earning assets | 0.5146% | 702 |
| Net interest margin | 3.3685% | 2,074 |
| Noninterest income to average assets | 1.5900% | 339 |
| Noninterest expense to average assets | 3.1135% | 766 |
| Loan and lease loss provision to assets | 0.2600% | 302 |
| Net operating income to assets | 1.2105% | 1,661 |
| Return on assets (ROA) | 1.2105% | 1,634 |
| Pretax return on assets | 1.3135% | 2,000 |
| Return on Equity (ROE) | 12.8600% | 1,749 |
| Retained earnings to average equity (ytd only) | 12.8586% | 639 |
| Net charge-offs to loans | 0.0437% | 1,054 |
| Credit loss provision to net charge-offs | 772.8238% | 480 |
| Earnings coverage of net charge-offs (x) | 47.5096% | 1,311 |
| Efficiency ratio | 65.8307% | 2,301 |
| Assets per employee ($millions) | 5.2194% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3675% | 1,725 |
| Loan loss allowance to noncurrent loans | 1,747.7564% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,248 |
| Noncurrent loans to loans | 0.0782% | 3,315 |
| Net loans and leases to total assets | 80.8100% | 461 |
| Net loans and leases to deposits | 92.4844% | 739 |
| Net loans and leases to core deposits | 99.7945% | 821 |
| Total domestic deposits to total assets | 87.3700% | 2,634 |
| Equity capital to assets | 9.7186% | 1,762 |
| Core capital (leverage) ratio | 10.0679% | 2,482 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,901,932,250 | 582 |
| Average earning assets | $1,748,075,000 | 574 |
| Average equity | $179,040,750 | 585 |
| Average total loans | $1,437,805,250 | 491 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 1,782 |
| Cost of funding earning assets | 0.4609% | 653 |
| Net interest margin | 3.1566% | 2,340 |
| Noninterest income to average assets | 1.5697% | 320 |
| Noninterest expense to average assets | 2.9937% | 845 |
| Loan and lease loss provision to assets | 0.1055% | 947 |
| Net operating income to assets | 1.1940% | 1,449 |
| Return on assets (ROA) | 1.1940% | 1,428 |
| Pretax return on assets | 1.3806% | 1,494 |
| Return on Equity (ROE) | 12.8265% | 1,433 |
| Retained earnings to average equity (ytd only) | 12.8265% | 486 |
| Net charge-offs to loans | -0.0051% | 3,348 |
| Credit loss provision to net charge-offs | -2,842.8571% | 3,704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1241% | 2,488 |
| Assets per employee ($millions) | 5.0399% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3626% | 1,913 |
| Loan loss allowance to noncurrent loans | 1,115.8253% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.0923% | 3,071 |
| Noncurrent loans to loans | 0.1221% | 3,116 |
| Net loans and leases to total assets | 74.5537% | 858 |
| Net loans and leases to deposits | 83.3697% | 1,161 |
| Net loans and leases to core deposits | 90.0064% | 1,120 |
| Total domestic deposits to total assets | 89.4253% | 1,989 |
| Equity capital to assets | 9.7167% | 1,868 |
| Core capital (leverage) ratio | 9.5747% | 2,843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,886,961,000 | 581 |
| Average earning assets | $1,739,595,333 | 575 |
| Average equity | $175,652,333 | 599 |
| Average total loans | $1,385,416,333 | 499 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3708% | 2,175 |
| Cost of funding earning assets | 0.4558% | 630 |
| Net interest margin | 2.9149% | 2,786 |
| Noninterest income to average assets | 1.6835% | 302 |
| Noninterest expense to average assets | 2.9153% | 931 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2258% | 1,180 |
| Return on assets (ROA) | 1.2258% | 1,164 |
| Pretax return on assets | 1.4634% | 1,095 |
| Return on Equity (ROE) | 13.4687% | 945 |
| Retained earnings to average equity (ytd only) | 13.4687% | 425 |
| Net charge-offs to loans | 0.0065% | 1,519 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 311.8636% | 309 |
| Efficiency ratio | 65.8581% | 2,786 |
| Assets per employee ($millions) | 5.1918% | 3,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3590% | 2,074 |
| Loan loss allowance to noncurrent loans | 1,002.7464% | 897 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 3,118 |
| Noncurrent loans to loans | 0.1355% | 3,133 |
| Net loans and leases to total assets | 71.3210% | 897 |
| Net loans and leases to deposits | 79.2128% | 1,199 |
| Net loans and leases to core deposits | 85.8235% | 1,141 |
| Total domestic deposits to total assets | 90.0371% | 1,541 |
| Equity capital to assets | 9.1716% | 2,553 |
| Core capital (leverage) ratio | 8.9980% | 3,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,875,376,500 | 589 |
| Average earning assets | $1,733,967,500 | 577 |
| Average equity | $170,677,500 | 638 |
| Average total loans | $1,356,252,500 | 507 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 1,830 |
| Cost of funding earning assets | 0.5260% | 806 |
| Net interest margin | 3.2906% | 2,339 |
| Noninterest income to average assets | 1.6142% | 432 |
| Noninterest expense to average assets | 3.0649% | 898 |
| Loan and lease loss provision to assets | 0.1926% | 573 |
| Net operating income to assets | 1.2104% | 1,893 |
| Return on assets (ROA) | 1.2176% | 1,914 |
| Pretax return on assets | 1.4205% | 1,979 |
| Return on Equity (ROE) | 13.1895% | 1,402 |
| Retained earnings to average equity (ytd only) | 13.1895% | 379 |
| Net charge-offs to loans | 0.0110% | 2,151 |
| Credit loss provision to net charge-offs | 2,319.2857% | 282 |
| Earnings coverage of net charge-offs (x) | 193.2286% | 557 |
| Efficiency ratio | 64.8810% | 2,421 |
| Assets per employee ($millions) | 5.2571% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 1,956 |
| Loan loss allowance to noncurrent loans | 1,063.4912% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 3,275 |
| Noncurrent loans to loans | 0.1306% | 3,279 |
| Net loans and leases to total assets | 71.3300% | 899 |
| Net loans and leases to deposits | 79.0423% | 1,291 |
| Net loans and leases to core deposits | 88.3119% | 1,056 |
| Total domestic deposits to total assets | 90.2429% | 846 |
| Equity capital to assets | 9.0288% | 3,592 |
| Core capital (leverage) ratio | 8.6942% | 3,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,685,713,400 | 620 |
| Average earning assets | $1,565,319,400 | 616 |
| Average equity | $155,616,600 | 692 |
| Average total loans | $1,268,988,600 | 536 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 1,747 |
| Cost of funding earning assets | 0.5267% | 924 |
| Net interest margin | 3.3779% | 2,214 |
| Noninterest income to average assets | 1.6127% | 483 |
| Noninterest expense to average assets | 3.0792% | 850 |
| Loan and lease loss provision to assets | 0.2261% | 429 |
| Net operating income to assets | 1.2331% | 2,049 |
| Return on assets (ROA) | 1.2420% | 2,079 |
| Pretax return on assets | 1.4525% | 2,141 |
| Return on Equity (ROE) | 13.3712% | 1,589 |
| Retained earnings to average equity (ytd only) | 13.3712% | 585 |
| Net charge-offs to loans | -0.0062% | 3,502 |
| Credit loss provision to net charge-offs | -4,805.1724% | 4,127 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0995% | 2,374 |
| Assets per employee ($millions) | 5.4791% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3926% | 2,056 |
| Loan loss allowance to noncurrent loans | 844.7151% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.1243% | 3,287 |
| Noncurrent loans to loans | 0.1649% | 3,296 |
| Net loans and leases to total assets | 73.0885% | 766 |
| Net loans and leases to deposits | 81.1948% | 1,174 |
| Net loans and leases to core deposits | 86.7341% | 1,236 |
| Total domestic deposits to total assets | 90.0163% | 768 |
| Equity capital to assets | 9.1320% | 3,719 |
| Core capital (leverage) ratio | 8.7921% | 3,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,643,204,500 | 639 |
| Average earning assets | $1,524,893,750 | 636 |
| Average equity | $152,632,750 | 713 |
| Average total loans | $1,250,648,500 | 550 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9996% | 1,563 |
| Cost of funding earning assets | 0.5260% | 1,057 |
| Net interest margin | 3.4735% | 1,938 |
| Noninterest income to average assets | 1.7753% | 398 |
| Noninterest expense to average assets | 3.1462% | 786 |
| Loan and lease loss provision to assets | 0.2016% | 552 |
| Net operating income to assets | 1.3839% | 1,610 |
| Return on assets (ROA) | 1.3839% | 1,685 |
| Pretax return on assets | 1.6546% | 1,598 |
| Return on Equity (ROE) | 14.8059% | 1,211 |
| Retained earnings to average equity (ytd only) | 14.8059% | 461 |
| Net charge-offs to loans | -0.0122% | 3,750 |
| Credit loss provision to net charge-offs | -2,146.6667% | 3,847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1505% | 2,709 |
| Assets per employee ($millions) | 5.3216% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3737% | 2,086 |
| Loan loss allowance to noncurrent loans | 784.5558% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 3,278 |
| Noncurrent loans to loans | 0.1751% | 3,340 |
| Net loans and leases to total assets | 73.2922% | 826 |
| Net loans and leases to deposits | 81.6514% | 1,264 |
| Net loans and leases to core deposits | 90.0286% | 1,138 |
| Total domestic deposits to total assets | 89.7623% | 890 |
| Equity capital to assets | 9.3847% | 3,432 |
| Core capital (leverage) ratio | 8.8519% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,597,374,000 | 650 |
| Average earning assets | $1,484,016,667 | 645 |
| Average equity | $149,305,667 | 720 |
| Average total loans | $1,227,576,333 | 556 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8782% | 1,883 |
| Cost of funding earning assets | 0.5268% | 1,223 |
| Net interest margin | 3.3514% | 2,242 |
| Noninterest income to average assets | 1.8171% | 436 |
| Noninterest expense to average assets | 3.1756% | 738 |
| Loan and lease loss provision to assets | 0.2486% | 428 |
| Net operating income to assets | 1.2062% | 2,117 |
| Return on assets (ROA) | 1.2062% | 2,203 |
| Pretax return on assets | 1.5020% | 1,989 |
| Return on Equity (ROE) | 12.9336% | 1,687 |
| Retained earnings to average equity (ytd only) | 12.9336% | 924 |
| Net charge-offs to loans | -0.0487% | 4,379 |
| Credit loss provision to net charge-offs | -652.0270% | 3,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6891% | 2,504 |
| Assets per employee ($millions) | 5.6362% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,283 |
| Loan loss allowance to noncurrent loans | 647.3561% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.1861% | 3,236 |
| Noncurrent loans to loans | 0.2059% | 3,371 |
| Net loans and leases to total assets | 74.1341% | 803 |
| Net loans and leases to deposits | 82.2215% | 1,320 |
| Net loans and leases to core deposits | 90.5248% | 1,198 |
| Total domestic deposits to total assets | 90.1639% | 743 |
| Equity capital to assets | 9.1386% | 3,552 |
| Core capital (leverage) ratio | 9.3135% | 3,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,552,587,500 | 661 |
| Average earning assets | $1,440,347,500 | 655 |
| Average equity | $144,801,000 | 735 |
| Average total loans | $1,214,554,000 | 568 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 1,469 |
| Cost of funding earning assets | 0.7000% | 1,716 |
| Net interest margin | 3.7387% | 1,671 |
| Noninterest income to average assets | 1.9832% | 335 |
| Noninterest expense to average assets | 3.6450% | 567 |
| Loan and lease loss provision to assets | 0.5143% | 462 |
| Net operating income to assets | 1.0081% | 2,261 |
| Return on assets (ROA) | 1.0081% | 2,407 |
| Pretax return on assets | 1.2256% | 2,242 |
| Return on Equity (ROE) | 9.6946% | 2,122 |
| Retained earnings to average equity (ytd only) | 9.6946% | 643 |
| Net charge-offs to loans | 0.1409% | 1,147 |
| Credit loss provision to net charge-offs | 428.8811% | 1,371 |
| Earnings coverage of net charge-offs (x) | 14.5084% | 2,210 |
| Efficiency ratio | 66.7653% | 2,397 |
| Assets per employee ($millions) | 5.0437% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3168% | 2,334 |
| Loan loss allowance to noncurrent loans | 514.6075% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 3,058 |
| Noncurrent loans to loans | 0.2559% | 3,275 |
| Net loans and leases to total assets | 80.7150% | 381 |
| Net loans and leases to deposits | 90.2549% | 913 |
| Net loans and leases to core deposits | 100.9420% | 861 |
| Total domestic deposits to total assets | 89.4300% | 797 |
| Equity capital to assets | 9.5429% | 3,567 |
| Core capital (leverage) ratio | 9.3681% | 3,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,192,392,400 | 754 |
| Average earning assets | $1,084,927,600 | 761 |
| Average equity | $123,996,800 | 794 |
| Average total loans | $1,015,230,800 | 629 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5160% | 1,529 |
| Cost of funding earning assets | 0.7613% | 1,673 |
| Net interest margin | 3.7546% | 1,745 |
| Noninterest income to average assets | 1.8830% | 345 |
| Noninterest expense to average assets | 3.6884% | 541 |
| Loan and lease loss provision to assets | 0.4860% | 625 |
| Net operating income to assets | 0.8909% | 2,740 |
| Return on assets (ROA) | 0.8909% | 2,856 |
| Pretax return on assets | 1.1108% | 2,702 |
| Return on Equity (ROE) | 8.3482% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.3482% | 1,194 |
| Net charge-offs to loans | 0.0750% | 1,561 |
| Credit loss provision to net charge-offs | 751.4599% | 1,024 |
| Earnings coverage of net charge-offs (x) | 24.6916% | 1,750 |
| Efficiency ratio | 68.7945% | 2,070 |
| Assets per employee ($millions) | 4.5842% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 2,108 |
| Loan loss allowance to noncurrent loans | 338.8941% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 2,658 |
| Noncurrent loans to loans | 0.3874% | 2,903 |
| Net loans and leases to total assets | 84.6438% | 232 |
| Net loans and leases to deposits | 97.2239% | 674 |
| Net loans and leases to core deposits | 105.1330% | 877 |
| Total domestic deposits to total assets | 87.0607% | 1,643 |
| Equity capital to assets | 10.4007% | 2,870 |
| Core capital (leverage) ratio | 10.1575% | 2,567 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,129,865,250 | 784 |
| Average earning assets | $1,023,779,500 | 791 |
| Average equity | $120,581,750 | 811 |
| Average total loans | $974,076,000 | 647 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7428% | 1,299 |
| Cost of funding earning assets | 0.8674% | 1,506 |
| Net interest margin | 3.8754% | 1,636 |
| Noninterest income to average assets | 1.7744% | 349 |
| Noninterest expense to average assets | 3.7180% | 561 |
| Loan and lease loss provision to assets | 0.5542% | 598 |
| Net operating income to assets | 0.8094% | 3,010 |
| Return on assets (ROA) | 0.8095% | 3,126 |
| Pretax return on assets | 1.0065% | 3,004 |
| Return on Equity (ROE) | 7.5098% | 2,934 |
| Retained earnings to average equity (ytd only) | 7.5098% | 1,461 |
| Net charge-offs to loans | 0.0767% | 1,481 |
| Credit loss provision to net charge-offs | 836.0335% | 890 |
| Earnings coverage of net charge-offs (x) | 23.5419% | 1,599 |
| Efficiency ratio | 69.3946% | 2,034 |
| Assets per employee ($millions) | 4.4881% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3068% | 1,969 |
| Loan loss allowance to noncurrent loans | 304.7748% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 0.4834% | 2,385 |
| Noncurrent loans to loans | 0.4288% | 2,877 |
| Net loans and leases to total assets | 85.2005% | 176 |
| Net loans and leases to deposits | 98.3897% | 631 |
| Net loans and leases to core deposits | 108.2563% | 805 |
| Total domestic deposits to total assets | 86.5949% | 1,774 |
| Equity capital to assets | 9.9376% | 3,264 |
| Core capital (leverage) ratio | 9.3869% | 3,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,080,160,333 | 798 |
| Average earning assets | $976,684,000 | 806 |
| Average equity | $116,434,667 | 835 |
| Average total loans | $933,108,000 | 674 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9108% | 1,168 |
| Cost of funding earning assets | 1.1058% | 1,028 |
| Net interest margin | 3.8050% | 1,949 |
| Noninterest income to average assets | 1.9814% | 273 |
| Noninterest expense to average assets | 3.8236% | 601 |
| Loan and lease loss provision to assets | 0.4995% | 587 |
| Net operating income to assets | 0.8646% | 2,636 |
| Return on assets (ROA) | 0.8646% | 2,740 |
| Pretax return on assets | 1.0933% | 2,548 |
| Return on Equity (ROE) | 7.6717% | 2,646 |
| Retained earnings to average equity (ytd only) | 7.6717% | 1,325 |
| Net charge-offs to loans | 0.1452% | 872 |
| Credit loss provision to net charge-offs | 398.1308% | 1,015 |
| Earnings coverage of net charge-offs (x) | 12.6947% | 1,684 |
| Efficiency ratio | 69.5244% | 2,421 |
| Assets per employee ($millions) | 3.9507% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 2,056 |
| Loan loss allowance to noncurrent loans | 175.8240% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 0.7869% | 1,723 |
| Noncurrent loans to loans | 0.7500% | 2,127 |
| Net loans and leases to total assets | 83.9490% | 266 |
| Net loans and leases to deposits | 95.9273% | 919 |
| Net loans and leases to core deposits | 106.6698% | 1,018 |
| Total domestic deposits to total assets | 87.5131% | 1,323 |
| Equity capital to assets | 11.0822% | 2,790 |
| Core capital (leverage) ratio | 10.1967% | 3,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,023,325,500 | 804 |
| Average earning assets | $923,838,000 | 819 |
| Average equity | $115,333,000 | 831 |
| Average total loans | $884,353,500 | 681 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 1,292 |
| Cost of funding earning assets | 1.2408% | 923 |
| Net interest margin | 3.8281% | 2,413 |
| Noninterest income to average assets | 1.5108% | 405 |
| Noninterest expense to average assets | 3.6879% | 774 |
| Loan and lease loss provision to assets | 0.2692% | 669 |
| Net operating income to assets | 0.8979% | 3,215 |
| Return on assets (ROA) | 0.9068% | 3,274 |
| Pretax return on assets | 1.0445% | 3,347 |
| Return on Equity (ROE) | 8.1243% | 3,112 |
| Retained earnings to average equity (ytd only) | 8.1243% | 939 |
| Net charge-offs to loans | 0.1531% | 1,300 |
| Credit loss provision to net charge-offs | 208.4518% | 1,274 |
| Earnings coverage of net charge-offs (x) | 10.0940% | 2,600 |
| Efficiency ratio | 72.7072% | 1,771 |
| Assets per employee ($millions) | 3.9672% | 3,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 2,236 |
| Loan loss allowance to noncurrent loans | 249.4933% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.5729% | 2,169 |
| Noncurrent loans to loans | 0.4964% | 2,697 |
| Net loans and leases to total assets | 86.7551% | 130 |
| Net loans and leases to deposits | 98.8197% | 687 |
| Net loans and leases to core deposits | 107.2233% | 1,025 |
| Total domestic deposits to total assets | 87.7913% | 1,234 |
| Equity capital to assets | 11.4690% | 2,555 |
| Core capital (leverage) ratio | 10.1386% | 3,367 |
| Tier 1 risk-based capital ratio | 11.8486% | 4,452 |
| Total risk-based capital ratio | 13.1074% | 4,318 |
| Memoranda: | ||
| Average total assets | $980,415,800 | 801 |
| Average earning assets | $891,409,600 | 808 |
| Average equity | $109,424,800 | 834 |
| Average total loans | $826,759,600 | 693 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0270% | 1,472 |
| Cost of funding earning assets | 1.2337% | 946 |
| Net interest margin | 3.7932% | 2,624 |
| Noninterest income to average assets | 1.4720% | 418 |
| Noninterest expense to average assets | 3.6499% | 798 |
| Loan and lease loss provision to assets | 0.2485% | 660 |
| Net operating income to assets | 0.8666% | 3,461 |
| Return on assets (ROA) | 0.8743% | 3,514 |
| Pretax return on assets | 1.0349% | 3,489 |
| Return on Equity (ROE) | 7.8892% | 3,360 |
| Retained earnings to average equity (ytd only) | 7.8892% | 1,448 |
| Net charge-offs to loans | 0.1540% | 1,072 |
| Credit loss provision to net charge-offs | 193.4113% | 1,357 |
| Earnings coverage of net charge-offs (x) | 9.9181% | 2,539 |
| Efficiency ratio | 72.9337% | 1,709 |
| Assets per employee ($millions) | 3.8820% | 4,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,421 |
| Loan loss allowance to noncurrent loans | 223.0636% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.6835% | 1,986 |
| Noncurrent loans to loans | 0.5457% | 2,660 |
| Net loans and leases to total assets | 82.8167% | 485 |
| Net loans and leases to deposits | 94.1959% | 1,207 |
| Net loans and leases to core deposits | 106.4108% | 1,157 |
| Total domestic deposits to total assets | 87.9196% | 1,066 |
| Equity capital to assets | 11.0260% | 3,084 |
| Core capital (leverage) ratio | 10.1098% | 3,524 |
| Tier 1 risk-based capital ratio | 12.3119% | 4,253 |
| Total risk-based capital ratio | 13.5716% | 4,125 |
| Memoranda: | ||
| Average total assets | $976,576,750 | 800 |
| Average earning assets | $888,760,000 | 810 |
| Average equity | $108,229,750 | 839 |
| Average total loans | $814,770,500 | 703 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 1,439 |
| Cost of funding earning assets | 1.2147% | 948 |
| Net interest margin | 3.8018% | 2,585 |
| Noninterest income to average assets | 1.2983% | 518 |
| Noninterest expense to average assets | 3.6102% | 843 |
| Loan and lease loss provision to assets | 0.2735% | 545 |
| Net operating income to assets | 0.7677% | 3,763 |
| Return on assets (ROA) | 0.7798% | 3,788 |
| Pretax return on assets | 0.8945% | 3,864 |
| Return on Equity (ROE) | 7.0236% | 3,671 |
| Retained earnings to average equity (ytd only) | 7.0236% | 1,793 |
| Net charge-offs to loans | 0.1835% | 898 |
| Credit loss provision to net charge-offs | 178.9688% | 1,320 |
| Earnings coverage of net charge-offs (x) | 7.5509% | 2,476 |
| Efficiency ratio | 74.5571% | 1,576 |
| Assets per employee ($millions) | 3.7356% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 2,474 |
| Loan loss allowance to noncurrent loans | 218.5201% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 2,010 |
| Noncurrent loans to loans | 0.5535% | 2,611 |
| Net loans and leases to total assets | 82.8448% | 496 |
| Net loans and leases to deposits | 93.8381% | 1,277 |
| Net loans and leases to core deposits | 112.6069% | 843 |
| Total domestic deposits to total assets | 88.2848% | 973 |
| Equity capital to assets | 11.0169% | 3,028 |
| Core capital (leverage) ratio | 10.0311% | 3,554 |
| Tier 1 risk-based capital ratio | 12.2498% | 4,267 |
| Total risk-based capital ratio | 13.5004% | 4,135 |
| Memoranda: | ||
| Average total assets | $964,368,330 | 808 |
| Average earning assets | $879,215,330 | 818 |
| Average equity | $107,067,670 | 839 |
| Average total loans | $803,214,330 | 713 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9884% | 1,360 |
| Cost of funding earning assets | 1.1703% | 987 |
| Net interest margin | 3.8181% | 2,457 |
| Noninterest income to average assets | 1.0282% | 753 |
| Noninterest expense to average assets | 3.4364% | 1,060 |
| Loan and lease loss provision to assets | 0.2795% | 482 |
| Net operating income to assets | 0.7415% | 3,798 |
| Return on assets (ROA) | 0.7415% | 3,849 |
| Pretax return on assets | 0.8012% | 4,038 |
| Return on Equity (ROE) | 6.6521% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.6521% | 2,179 |
| Net charge-offs to loans | 0.1018% | 1,129 |
| Credit loss provision to net charge-offs | 330.8458% | 776 |
| Earnings coverage of net charge-offs (x) | 12.7910% | 1,857 |
| Efficiency ratio | 74.8465% | 1,632 |
| Assets per employee ($millions) | 3.7972% | 4,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,421 |
| Loan loss allowance to noncurrent loans | 149.9924% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.7093% | 1,982 |
| Noncurrent loans to loans | 0.8210% | 2,002 |
| Net loans and leases to total assets | 82.5135% | 524 |
| Net loans and leases to deposits | 93.3273% | 1,245 |
| Net loans and leases to core deposits | 107.4360% | 1,076 |
| Total domestic deposits to total assets | 88.4131% | 1,124 |
| Equity capital to assets | 11.0959% | 2,748 |
| Core capital (leverage) ratio | 10.0546% | 3,540 |
| Tier 1 risk-based capital ratio | 12.1637% | 4,373 |
| Total risk-based capital ratio | 13.4144% | 4,253 |
| Memoranda: | ||
| Average total assets | $951,587,500 | 824 |
| Average earning assets | $869,541,000 | 832 |
| Average equity | $106,071,500 | 841 |
| Average total loans | $789,748,000 | 727 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7582% | 1,652 |
| Cost of funding earning assets | 0.9429% | 954 |
| Net interest margin | 3.8153% | 2,614 |
| Noninterest income to average assets | 1.3308% | 519 |
| Noninterest expense to average assets | 3.5580% | 921 |
| Loan and lease loss provision to assets | 0.2529% | 676 |
| Net operating income to assets | 0.8643% | 3,564 |
| Return on assets (ROA) | 0.8643% | 3,559 |
| Pretax return on assets | 1.0403% | 3,477 |
| Return on Equity (ROE) | 7.6151% | 3,610 |
| Retained earnings to average equity (ytd only) | 7.6151% | 1,409 |
| Net charge-offs to loans | 0.0476% | 2,483 |
| Credit loss provision to net charge-offs | 632.1534% | 549 |
| Earnings coverage of net charge-offs (x) | 32.3245% | 1,522 |
| Efficiency ratio | 72.2620% | 1,863 |
| Assets per employee ($millions) | 3.8789% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,450 |
| Loan loss allowance to noncurrent loans | 139.2258% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 1,756 |
| Noncurrent loans to loans | 0.8781% | 1,833 |
| Net loans and leases to total assets | 81.4203% | 746 |
| Net loans and leases to deposits | 92.0733% | 1,545 |
| Net loans and leases to core deposits | 107.2058% | 1,180 |
| Total domestic deposits to total assets | 88.4299% | 1,104 |
| Equity capital to assets | 11.1991% | 2,515 |
| Core capital (leverage) ratio | 10.2148% | 3,344 |
| Tier 1 risk-based capital ratio | 13.9588% | 3,307 |
| Total risk-based capital ratio | 15.2094% | 3,235 |
| Memoranda: | ||
| Average total assets | $847,318,600 | 898 |
| Average earning assets | $781,856,600 | 899 |
| Average equity | $96,164,400 | 884 |
| Average total loans | $712,033,400 | 778 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 1,684 |
| Cost of funding earning assets | 0.9018% | 915 |
| Net interest margin | 3.7959% | 2,663 |
| Noninterest income to average assets | 1.4320% | 459 |
| Noninterest expense to average assets | 3.5550% | 913 |
| Loan and lease loss provision to assets | 0.2901% | 516 |
| Net operating income to assets | 0.8802% | 3,627 |
| Return on assets (ROA) | 0.8802% | 3,628 |
| Pretax return on assets | 1.0979% | 3,413 |
| Return on Equity (ROE) | 7.7266% | 3,654 |
| Retained earnings to average equity (ytd only) | 7.7266% | 1,783 |
| Net charge-offs to loans | 0.0149% | 2,885 |
| Credit loss provision to net charge-offs | 2,300.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 110.0357% | 703 |
| Efficiency ratio | 70.8990% | 2,055 |
| Assets per employee ($millions) | 3.6996% | 4,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 2,492 |
| Loan loss allowance to noncurrent loans | 245.4426% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.4559% | 2,866 |
| Noncurrent loans to loans | 0.4983% | 2,897 |
| Net loans and leases to total assets | 83.1538% | 546 |
| Net loans and leases to deposits | 94.3479% | 1,342 |
| Net loans and leases to core deposits | 106.0510% | 1,306 |
| Total domestic deposits to total assets | 88.1352% | 1,186 |
| Equity capital to assets | 11.3329% | 2,371 |
| Core capital (leverage) ratio | 11.0654% | 2,516 |
| Tier 1 risk-based capital ratio | 11.1878% | 4,952 |
| Total risk-based capital ratio | 12.3496% | 4,884 |
| Memoranda: | ||
| Average total assets | $824,475,000 | 930 |
| Average earning assets | $762,591,750 | 924 |
| Average equity | $93,924,000 | 894 |
| Average total loans | $696,605,250 | 791 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,881 |
| Cost of funding earning assets | 0.8795% | 797 |
| Net interest margin | 3.6885% | 2,978 |
| Noninterest income to average assets | 1.4768% | 440 |
| Noninterest expense to average assets | 3.4910% | 1,005 |
| Loan and lease loss provision to assets | 0.4106% | 291 |
| Net operating income to assets | 0.7983% | 3,860 |
| Return on assets (ROA) | 0.7983% | 3,861 |
| Pretax return on assets | 0.9863% | 3,703 |
| Return on Equity (ROE) | 6.9938% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.9938% | 2,071 |
| Net charge-offs to loans | 0.0333% | 2,188 |
| Credit loss provision to net charge-offs | 1,458.9286% | 294 |
| Earnings coverage of net charge-offs (x) | 49.6339% | 1,133 |
| Efficiency ratio | 70.9182% | 2,175 |
| Assets per employee ($millions) | 3.6564% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 2,684 |
| Loan loss allowance to noncurrent loans | 215.8786% | 2,143 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 2,761 |
| Noncurrent loans to loans | 0.5578% | 2,744 |
| Net loans and leases to total assets | 82.3597% | 670 |
| Net loans and leases to deposits | 93.1604% | 1,453 |
| Net loans and leases to core deposits | 104.4499% | 1,360 |
| Total domestic deposits to total assets | 88.4063% | 1,179 |
| Equity capital to assets | 11.0425% | 2,596 |
| Core capital (leverage) ratio | 11.5669% | 2,016 |
| Tier 1 risk-based capital ratio | 11.3479% | 4,871 |
| Total risk-based capital ratio | 12.5260% | 4,808 |
| Memoranda: | ||
| Average total assets | $795,934,330 | 955 |
| Average earning assets | $736,071,670 | 955 |
| Average equity | $90,852,000 | 924 |
| Average total loans | $673,423,330 | 817 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5033% | 1,854 |
| Cost of funding earning assets | 0.8843% | 648 |
| Net interest margin | 3.6190% | 3,108 |
| Noninterest income to average assets | 1.4554% | 448 |
| Noninterest expense to average assets | 3.4873% | 1,025 |
| Loan and lease loss provision to assets | 0.6335% | 156 |
| Net operating income to assets | 0.5309% | 4,622 |
| Return on assets (ROA) | 0.5309% | 4,626 |
| Pretax return on assets | 0.7003% | 4,445 |
| Return on Equity (ROE) | 4.5590% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.5590% | 3,378 |
| Net charge-offs to loans | 0.0019% | 2,664 |
| Credit loss provision to net charge-offs | 38,900.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 819.0000% | 81 |
| Efficiency ratio | 71.7825% | 2,221 |
| Assets per employee ($millions) | 4.0142% | 3,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 2,090 |
| Loan loss allowance to noncurrent loans | 58,793.3333% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,846 |
| Noncurrent loans to loans | 0.0023% | 5,016 |
| Net loans and leases to total assets | 86.0753% | 254 |
| Net loans and leases to deposits | 100.8621% | 648 |
| Net loans and leases to core deposits | 125.5586% | 433 |
| Total domestic deposits to total assets | 85.3396% | 2,810 |
| Equity capital to assets | 13.0191% | 1,231 |
| Core capital (leverage) ratio | 12.3274% | 1,463 |
| Tier 1 risk-based capital ratio | 15.2662% | 2,759 |
| Total risk-based capital ratio | 16.5192% | 2,694 |
| Memoranda: | ||
| Average total assets | $736,846,500 | 1,020 |
| Average earning assets | $685,280,000 | 1,014 |
| Average equity | $85,807,500 | 976 |
| Average total loans | $629,117,500 | 867 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4678% | 1,822 |
| Cost of funding earning assets | 0.7387% | 855 |
| Net interest margin | 3.7291% | 2,675 |
| Noninterest income to average assets | 1.5007% | 466 |
| Noninterest expense to average assets | 3.5812% | 918 |
| Loan and lease loss provision to assets | 0.2627% | 696 |
| Net operating income to assets | 0.7805% | 3,248 |
| Return on assets (ROA) | 0.7805% | 3,288 |
| Pretax return on assets | 1.1096% | 3,145 |
| Return on Equity (ROE) | 7.6755% | 2,968 |
| Retained earnings to average equity (ytd only) | 7.6755% | 867 |
| Net charge-offs to loans | 0.0677% | 2,490 |
| Credit loss provision to net charge-offs | 462.8205% | 677 |
| Earnings coverage of net charge-offs (x) | 24.1795% | 1,767 |
| Efficiency ratio | 71.7236% | 2,268 |
| Assets per employee ($millions) | 3.6480% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 2,301 |
| Loan loss allowance to noncurrent loans | 329.8147% | 1,553 |
| Noncurrent assets plus other real estate owned to assets | 0.4185% | 3,194 |
| Noncurrent loans to loans | 0.3892% | 3,365 |
| Net loans and leases to total assets | 82.3376% | 635 |
| Net loans and leases to deposits | 93.4119% | 1,340 |
| Net loans and leases to core deposits | 116.3192% | 708 |
| Total domestic deposits to total assets | 88.1447% | 1,411 |
| Equity capital to assets | 10.1875% | 3,504 |
| Core capital (leverage) ratio | 9.5269% | 4,008 |
| Tier 1 risk-based capital ratio | 11.8946% | 4,596 |
| Total risk-based capital ratio | 13.1463% | 4,476 |
| Memoranda: | ||
| Average total assets | $687,165,800 | 1,060 |
| Average earning assets | $636,260,000 | 1,060 |
| Average equity | $69,871,800 | 1,137 |
| Average total loans | $575,782,600 | 894 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3532% | 2,097 |
| Cost of funding earning assets | 0.7390% | 806 |
| Net interest margin | 3.6142% | 3,094 |
| Noninterest income to average assets | 1.5244% | 469 |
| Noninterest expense to average assets | 3.5304% | 945 |
| Loan and lease loss provision to assets | 0.3048% | 511 |
| Net operating income to assets | 0.7211% | 3,868 |
| Return on assets (ROA) | 0.7211% | 3,925 |
| Pretax return on assets | 1.0348% | 3,549 |
| Return on Equity (ROE) | 7.0957% | 3,606 |
| Retained earnings to average equity (ytd only) | 7.0957% | 1,643 |
| Net charge-offs to loans | 0.0119% | 3,310 |
| Credit loss provision to net charge-offs | 3,049.0196% | 150 |
| Earnings coverage of net charge-offs (x) | 133.9966% | 576 |
| Efficiency ratio | 71.9058% | 2,220 |
| Assets per employee ($millions) | 3.9726% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2812% | 2,454 |
| Loan loss allowance to noncurrent loans | 269.5440% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 3,082 |
| Noncurrent loans to loans | 0.4753% | 3,259 |
| Net loans and leases to total assets | 83.4441% | 493 |
| Net loans and leases to deposits | 96.3982% | 1,080 |
| Net loans and leases to core deposits | 118.3804% | 638 |
| Total domestic deposits to total assets | 86.5618% | 2,066 |
| Equity capital to assets | 9.9571% | 3,955 |
| Core capital (leverage) ratio | 9.1751% | 4,543 |
| Tier 1 risk-based capital ratio | 11.2007% | 5,129 |
| Total risk-based capital ratio | 12.4521% | 5,031 |
| Memoranda: | ||
| Average total assets | $680,206,000 | 1,080 |
| Average earning assets | $629,647,250 | 1,076 |
| Average equity | $69,129,500 | 1,161 |
| Average total loans | $570,635,000 | 894 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1655% | 2,607 |
| Cost of funding earning assets | 0.6458% | 1,165 |
| Net interest margin | 3.5197% | 3,325 |
| Noninterest income to average assets | 1.4577% | 508 |
| Noninterest expense to average assets | 3.4542% | 1,069 |
| Loan and lease loss provision to assets | 0.4454% | 275 |
| Net operating income to assets | 0.5881% | 4,357 |
| Return on assets (ROA) | 0.5881% | 4,409 |
| Pretax return on assets | 0.8137% | 4,223 |
| Return on Equity (ROE) | 5.7452% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.7452% | 2,266 |
| Net charge-offs to loans | 0.0143% | 2,961 |
| Credit loss provision to net charge-offs | 3,722.5000% | 118 |
| Earnings coverage of net charge-offs (x) | 105.2250% | 630 |
| Efficiency ratio | 72.6644% | 2,237 |
| Assets per employee ($millions) | 3.8934% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2758% | 2,538 |
| Loan loss allowance to noncurrent loans | 303.3938% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4525% | 3,301 |
| Noncurrent loans to loans | 0.4205% | 3,517 |
| Net loans and leases to total assets | 84.8896% | 354 |
| Net loans and leases to deposits | 102.9238% | 552 |
| Net loans and leases to core deposits | 126.5660% | 375 |
| Total domestic deposits to total assets | 82.4781% | 3,733 |
| Equity capital to assets | 9.9139% | 4,008 |
| Core capital (leverage) ratio | 9.3525% | 4,289 |
| Tier 1 risk-based capital ratio | 11.6941% | 4,844 |
| Total risk-based capital ratio | 12.9463% | 4,723 |
| Memoranda: | ||
| Average total assets | $668,585,330 | 1,099 |
| Average earning assets | $618,410,670 | 1,094 |
| Average equity | $68,439,330 | 1,174 |
| Average total loans | $559,371,330 | 919 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,652 |
| Cost of funding earning assets | 0.5887% | 1,449 |
| Net interest margin | 3.5104% | 3,236 |
| Noninterest income to average assets | 1.3910% | 550 |
| Noninterest expense to average assets | 3.4257% | 1,146 |
| Loan and lease loss provision to assets | 0.4285% | 252 |
| Net operating income to assets | 0.5990% | 4,166 |
| Return on assets (ROA) | 0.5990% | 4,217 |
| Pretax return on assets | 0.7792% | 4,189 |
| Return on Equity (ROE) | 5.7538% | 4,022 |
| Retained earnings to average equity (ytd only) | 5.7538% | 2,470 |
| Net charge-offs to loans | 0.0007% | 2,932 |
| Credit loss provision to net charge-offs | 69,900.0000% | 2 |
| Earnings coverage of net charge-offs (x) | 1,970.0000% | 17 |
| Efficiency ratio | 73.9349% | 2,242 |
| Assets per employee ($millions) | 3.8582% | 4,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,750 |
| Loan loss allowance to noncurrent loans | 200.1731% | 2,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5937% | 2,870 |
| Noncurrent loans to loans | 0.6302% | 2,938 |
| Net loans and leases to total assets | 81.3559% | 643 |
| Net loans and leases to deposits | 99.4109% | 654 |
| Net loans and leases to core deposits | 118.2978% | 515 |
| Total domestic deposits to total assets | 81.8380% | 4,210 |
| Equity capital to assets | 10.2547% | 3,463 |
| Core capital (leverage) ratio | 9.8215% | 3,730 |
| Tier 1 risk-based capital ratio | 11.9547% | 4,748 |
| Total risk-based capital ratio | 13.2058% | 4,651 |
| Memoranda: | ||
| Average total assets | $652,474,500 | 1,120 |
| Average earning assets | $602,669,000 | 1,127 |
| Average equity | $67,920,500 | 1,176 |
| Average total loans | $537,757,000 | 953 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0944% | 2,872 |
| Cost of funding earning assets | 0.6258% | 1,169 |
| Net interest margin | 3.4685% | 3,551 |
| Noninterest income to average assets | 2.3289% | 278 |
| Noninterest expense to average assets | 3.7227% | 854 |
| Loan and lease loss provision to assets | 0.2853% | 684 |
| Net operating income to assets | 0.9741% | 2,467 |
| Return on assets (ROA) | 0.9741% | 2,573 |
| Pretax return on assets | 1.5369% | 1,471 |
| Return on Equity (ROE) | 10.3764% | 1,812 |
| Retained earnings to average equity (ytd only) | 10.3764% | 363 |
| Net charge-offs to loans | 0.0030% | 4,162 |
| Credit loss provision to net charge-offs | 11,150.0000% | 38 |
| Earnings coverage of net charge-offs (x) | 712.0833% | 111 |
| Efficiency ratio | 67.1371% | 3,410 |
| Assets per employee ($millions) | 4.0865% | 3,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,195 |
| Loan loss allowance to noncurrent loans | 114.0143% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 2,001 |
| Noncurrent loans to loans | 1.0414% | 1,998 |
| Net loans and leases to total assets | 81.4630% | 675 |
| Net loans and leases to deposits | 100.3191% | 652 |
| Net loans and leases to core deposits | 134.6542% | 229 |
| Total domestic deposits to total assets | 81.2039% | 4,285 |
| Equity capital to assets | 10.5720% | 3,072 |
| Core capital (leverage) ratio | 9.8570% | 3,682 |
| Tier 1 risk-based capital ratio | 12.2829% | 4,513 |
| Total risk-based capital ratio | 13.5312% | 4,397 |
| Memoranda: | ||
| Average total assets | $468,939,600 | 1,455 |
| Average earning assets | $434,794,000 | 1,458 |
| Average equity | $44,022,800 | 1,688 |
| Average total loans | $404,424,200 | 1,190 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0373% | 3,085 |
| Cost of funding earning assets | 0.6466% | 1,076 |
| Net interest margin | 3.3907% | 3,882 |
| Noninterest income to average assets | 2.4226% | 268 |
| Noninterest expense to average assets | 3.7309% | 814 |
| Loan and lease loss provision to assets | 0.2646% | 685 |
| Net operating income to assets | 0.9925% | 2,469 |
| Return on assets (ROA) | 0.9925% | 2,612 |
| Pretax return on assets | 1.5773% | 1,441 |
| Return on Equity (ROE) | 11.0946% | 1,637 |
| Retained earnings to average equity (ytd only) | 11.0946% | 417 |
| Net charge-offs to loans | 0.0039% | 3,785 |
| Credit loss provision to net charge-offs | 7,700.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 535.8650% | 170 |
| Efficiency ratio | 66.9488% | 3,436 |
| Assets per employee ($millions) | 4.1318% | 3,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 2,163 |
| Loan loss allowance to noncurrent loans | 1,521.1640% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 4,681 |
| Noncurrent loans to loans | 0.0925% | 4,973 |
| Net loans and leases to total assets | 86.2482% | 239 |
| Net loans and leases to deposits | 107.5516% | 323 |
| Net loans and leases to core deposits | 170.0725% | 66 |
| Total domestic deposits to total assets | 80.1923% | 4,470 |
| Equity capital to assets | 8.5463% | 5,506 |
| Core capital (leverage) ratio | 8.7877% | 5,064 |
| Tier 1 risk-based capital ratio | 10.9703% | 5,385 |
| Total risk-based capital ratio | 12.2245% | 5,296 |
| Memoranda: | ||
| Average total assets | $426,802,500 | 1,591 |
| Average earning assets | $396,524,750 | 1,585 |
| Average equity | $38,179,750 | 1,929 |
| Average total loans | $374,141,000 | 1,258 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 3,224 |
| Cost of funding earning assets | 0.6354% | 1,114 |
| Net interest margin | 3.3706% | 3,998 |
| Noninterest income to average assets | 2.1967% | 302 |
| Noninterest expense to average assets | 3.6634% | 926 |
| Loan and lease loss provision to assets | 0.2424% | 814 |
| Net operating income to assets | 0.9017% | 2,854 |
| Return on assets (ROA) | 0.9017% | 2,986 |
| Pretax return on assets | 1.4241% | 1,933 |
| Return on Equity (ROE) | 9.9134% | 2,087 |
| Retained earnings to average equity (ytd only) | 9.9134% | 617 |
| Net charge-offs to loans | 0.0017% | 3,650 |
| Credit loss provision to net charge-offs | 16,700.0000% | 17 |
| Earnings coverage of net charge-offs (x) | 1,148.3333% | 42 |
| Efficiency ratio | 68.7330% | 3,206 |
| Assets per employee ($millions) | 4.2678% | 3,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 2,310 |
| Loan loss allowance to noncurrent loans | 1,577.5510% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.1937% | 4,710 |
| Noncurrent loans to loans | 0.0885% | 5,098 |
| Net loans and leases to total assets | 87.7642% | 150 |
| Net loans and leases to deposits | 106.0700% | 361 |
| Net loans and leases to core deposits | 216.7876% | 41 |
| Total domestic deposits to total assets | 82.7418% | 3,745 |
| Equity capital to assets | 8.8649% | 5,340 |
| Core capital (leverage) ratio | 9.1001% | 4,719 |
| Tier 1 risk-based capital ratio | 11.1235% | 5,349 |
| Total risk-based capital ratio | 12.3776% | 5,267 |
| Memoranda: | ||
| Average total assets | $413,440,000 | 1,635 |
| Average earning assets | $384,323,670 | 1,628 |
| Average equity | $37,605,670 | 1,961 |
| Average total loans | $362,710,000 | 1,294 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8822% | 3,653 |
| Cost of funding earning assets | 0.6280% | 1,163 |
| Net interest margin | 3.2542% | 4,385 |
| Noninterest income to average assets | 1.8564% | 379 |
| Noninterest expense to average assets | 3.5011% | 1,179 |
| Loan and lease loss provision to assets | 0.1739% | 1,176 |
| Net operating income to assets | 0.7712% | 3,391 |
| Return on assets (ROA) | 0.7712% | 3,495 |
| Pretax return on assets | 1.2094% | 2,663 |
| Return on Equity (ROE) | 8.3635% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.3635% | 1,316 |
| Net charge-offs to loans | 0.0080% | 2,851 |
| Credit loss provision to net charge-offs | 2,500.0000% | 166 |
| Earnings coverage of net charge-offs (x) | 198.8571% | 305 |
| Efficiency ratio | 71.6785% | 2,845 |
| Assets per employee ($millions) | 4.2870% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 2,368 |
| Loan loss allowance to noncurrent loans | 1,644.9838% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 4,778 |
| Noncurrent loans to loans | 0.0858% | 5,131 |
| Net loans and leases to total assets | 86.2480% | 207 |
| Net loans and leases to deposits | 101.9124% | 514 |
| Net loans and leases to core deposits | 191.2716% | 46 |
| Total domestic deposits to total assets | 84.6295% | 3,266 |
| Equity capital to assets | 9.1120% | 5,072 |
| Core capital (leverage) ratio | 9.3909% | 4,357 |
| Tier 1 risk-based capital ratio | 10.6919% | 5,664 |
| Total risk-based capital ratio | 11.9447% | 5,578 |
| Memoranda: | ||
| Average total assets | $402,504,500 | 1,675 |
| Average earning assets | $374,533,000 | 1,662 |
| Average equity | $37,113,500 | 1,978 |
| Average total loans | $350,336,000 | 1,332 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7852% | 4,089 |
| Cost of funding earning assets | 0.5943% | 1,401 |
| Net interest margin | 3.1909% | 4,658 |
| Noninterest income to average assets | 2.3390% | 288 |
| Noninterest expense to average assets | 3.6250% | 1,078 |
| Loan and lease loss provision to assets | 0.1154% | 2,074 |
| Net operating income to assets | 1.0051% | 2,338 |
| Return on assets (ROA) | 1.0051% | 2,429 |
| Pretax return on assets | 1.5820% | 1,303 |
| Return on Equity (ROE) | 11.2292% | 1,537 |
| Retained earnings to average equity (ytd only) | 11.2292% | 325 |
| Net charge-offs to loans | 0.0113% | 4,079 |
| Credit loss provision to net charge-offs | 1,225.7143% | 274 |
| Earnings coverage of net charge-offs (x) | 180.2286% | 365 |
| Efficiency ratio | 68.1076% | 3,552 |
| Assets per employee ($millions) | 4.1857% | 3,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4426% | 2,242 |
| Loan loss allowance to noncurrent loans | 2,264.5161% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 4,743 |
| Noncurrent loans to loans | 0.0637% | 5,256 |
| Net loans and leases to total assets | 85.3256% | 284 |
| Net loans and leases to deposits | 100.8623% | 619 |
| Net loans and leases to core deposits | 147.6971% | 121 |
| Total domestic deposits to total assets | 84.5962% | 3,255 |
| Equity capital to assets | 9.3343% | 4,746 |
| Core capital (leverage) ratio | 9.5262% | 4,137 |
| Tier 1 risk-based capital ratio | 11.7969% | 5,074 |
| Total risk-based capital ratio | 13.0512% | 4,987 |
| Memoranda: | ||
| Average total assets | $371,610,600 | 1,763 |
| Average earning assets | $347,454,200 | 1,750 |
| Average equity | $33,261,600 | 2,133 |
| Average total loans | $310,506,400 | 1,428 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7643% | 4,205 |
| Cost of funding earning assets | 0.5897% | 1,472 |
| Net interest margin | 3.1746% | 4,763 |
| Noninterest income to average assets | 2.4794% | 267 |
| Noninterest expense to average assets | 3.6126% | 1,097 |
| Loan and lease loss provision to assets | 0.1562% | 1,390 |
| Net operating income to assets | 1.0582% | 2,182 |
| Return on assets (ROA) | 1.0582% | 2,275 |
| Pretax return on assets | 1.6805% | 1,160 |
| Return on Equity (ROE) | 11.9602% | 1,389 |
| Retained earnings to average equity (ytd only) | 11.9602% | 372 |
| Net charge-offs to loans | 0.0132% | 3,717 |
| Credit loss provision to net charge-offs | 1,430.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 168.1293% | 425 |
| Efficiency ratio | 66.2947% | 3,842 |
| Assets per employee ($millions) | 4.1511% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5661% | 1,905 |
| Loan loss allowance to noncurrent loans | 896.1749% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 4,559 |
| Noncurrent loans to loans | 0.1748% | 4,956 |
| Net loans and leases to total assets | 79.2516% | 915 |
| Net loans and leases to deposits | 93.7052% | 1,236 |
| Net loans and leases to core deposits | 138.7960% | 181 |
| Total domestic deposits to total assets | 84.5755% | 3,184 |
| Equity capital to assets | 9.1993% | 5,111 |
| Core capital (leverage) ratio | 9.5027% | 4,299 |
| Tier 1 risk-based capital ratio | 12.7199% | 4,602 |
| Total risk-based capital ratio | 13.9761% | 4,505 |
| Memoranda: | ||
| Average total assets | $366,149,750 | 1,802 |
| Average earning assets | $342,543,750 | 1,781 |
| Average equity | $32,395,500 | 2,193 |
| Average total loans | $302,975,250 | 1,464 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7986% | 4,072 |
| Cost of funding earning assets | 0.5816% | 1,549 |
| Net interest margin | 3.2169% | 4,610 |
| Noninterest income to average assets | 2.5220% | 269 |
| Noninterest expense to average assets | 3.5646% | 1,187 |
| Loan and lease loss provision to assets | 0.2390% | 761 |
| Net operating income to assets | 1.0845% | 1,997 |
| Return on assets (ROA) | 1.0845% | 2,105 |
| Pretax return on assets | 1.7267% | 1,032 |
| Return on Equity (ROE) | 12.4373% | 1,245 |
| Retained earnings to average equity (ytd only) | 12.4373% | 356 |
| Net charge-offs to loans | 0.0207% | 3,264 |
| Credit loss provision to net charge-offs | 1,380.6452% | 266 |
| Earnings coverage of net charge-offs (x) | 113.5484% | 552 |
| Efficiency ratio | 64.4552% | 4,285 |
| Assets per employee ($millions) | 4.3585% | 3,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 1,886 |
| Loan loss allowance to noncurrent loans | 662.8032% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.4728% | 4,041 |
| Noncurrent loans to loans | 0.2423% | 4,789 |
| Net loans and leases to total assets | 79.4492% | 876 |
| Net loans and leases to deposits | 94.1356% | 1,137 |
| Net loans and leases to core deposits | 131.9099% | 245 |
| Total domestic deposits to total assets | 84.3987% | 3,401 |
| Equity capital to assets | 9.2122% | 5,002 |
| Core capital (leverage) ratio | 9.4648% | 4,320 |
| Tier 1 risk-based capital ratio | 13.1038% | 4,460 |
| Total risk-based capital ratio | 14.3612% | 4,367 |
| Memoranda: | ||
| Average total assets | $358,131,670 | 1,853 |
| Average earning assets | $334,913,670 | 1,843 |
| Average equity | $31,228,670 | 2,271 |
| Average total loans | $299,246,000 | 1,483 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,128 |
| Cost of funding earning assets | 0.5566% | 1,787 |
| Net interest margin | 3.2140% | 4,551 |
| Noninterest income to average assets | 2.3153% | 301 |
| Noninterest expense to average assets | 3.5339% | 1,237 |
| Loan and lease loss provision to assets | 0.3763% | 329 |
| Net operating income to assets | 0.8907% | 2,784 |
| Return on assets (ROA) | 0.8907% | 2,911 |
| Pretax return on assets | 1.4154% | 1,836 |
| Return on Equity (ROE) | 10.5389% | 1,785 |
| Retained earnings to average equity (ytd only) | 10.5389% | 805 |
| Net charge-offs to loans | -0.0149% | 4,904 |
| Credit loss provision to net charge-offs | -2,972.7273% | 5,186 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3570% | 4,088 |
| Assets per employee ($millions) | 4.7525% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 2,099 |
| Loan loss allowance to noncurrent loans | 409.0067% | 1,181 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 3,754 |
| Noncurrent loans to loans | 0.3879% | 4,429 |
| Net loans and leases to total assets | 82.3621% | 422 |
| Net loans and leases to deposits | 96.5648% | 794 |
| Net loans and leases to core deposits | 145.1154% | 120 |
| Total domestic deposits to total assets | 85.2921% | 3,271 |
| Equity capital to assets | 8.1336% | 5,972 |
| Core capital (leverage) ratio | 8.8799% | 5,098 |
| Tier 1 risk-based capital ratio | 10.8804% | 5,861 |
| Total risk-based capital ratio | 12.1368% | 5,784 |
| Memoranda: | ||
| Average total assets | $347,601,500 | 1,910 |
| Average earning assets | $325,574,500 | 1,894 |
| Average equity | $29,377,000 | 2,401 |
| Average total loans | $295,777,500 | 1,500 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1550% | 3,104 |
| Cost of funding earning assets | 0.5242% | 2,448 |
| Net interest margin | 3.6307% | 3,290 |
| Noninterest income to average assets | 2.0016% | 341 |
| Noninterest expense to average assets | 3.7030% | 1,143 |
| Loan and lease loss provision to assets | 0.3622% | 517 |
| Net operating income to assets | 0.8316% | 3,216 |
| Return on assets (ROA) | 0.8316% | 3,308 |
| Pretax return on assets | 1.2945% | 2,257 |
| Return on Equity (ROE) | 8.7956% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.7956% | 746 |
| Net charge-offs to loans | 0.0088% | 4,735 |
| Credit loss provision to net charge-offs | 4,790.9091% | 62 |
| Earnings coverage of net charge-offs (x) | 219.1364% | 245 |
| Efficiency ratio | 69.0902% | 3,693 |
| Assets per employee ($millions) | 4.3324% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5846% | 2,146 |
| Loan loss allowance to noncurrent loans | 328.0842% | 1,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6979% | 3,479 |
| Noncurrent loans to loans | 0.4830% | 4,216 |
| Net loans and leases to total assets | 85.2750% | 256 |
| Net loans and leases to deposits | 97.9898% | 759 |
| Net loans and leases to core deposits | 140.5969% | 161 |
| Total domestic deposits to total assets | 87.0244% | 2,272 |
| Equity capital to assets | 8.8045% | 5,484 |
| Core capital (leverage) ratio | 9.1715% | 4,716 |
| Tier 1 risk-based capital ratio | 10.8630% | 5,960 |
| Total risk-based capital ratio | 12.1186% | 5,890 |
| Memoranda: | ||
| Average total assets | $291,011,200 | 2,205 |
| Average earning assets | $269,146,400 | 2,202 |
| Average equity | $27,513,800 | 2,448 |
| Average total loans | $249,083,600 | 1,693 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 3,000 |
| Cost of funding earning assets | 0.5196% | 2,569 |
| Net interest margin | 3.6777% | 3,116 |
| Noninterest income to average assets | 2.0299% | 337 |
| Noninterest expense to average assets | 3.7486% | 1,040 |
| Loan and lease loss provision to assets | 0.4069% | 411 |
| Net operating income to assets | 0.8376% | 3,243 |
| Return on assets (ROA) | 0.8376% | 3,332 |
| Pretax return on assets | 1.2644% | 2,519 |
| Return on Equity (ROE) | 8.6841% | 2,854 |
| Retained earnings to average equity (ytd only) | 8.6841% | 1,105 |
| Net charge-offs to loans | -0.0039% | 5,263 |
| Credit loss provision to net charge-offs | -12,271.4286% | 6,081 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1635% | 3,645 |
| Assets per employee ($millions) | 4.0405% | 3,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 2,395 |
| Loan loss allowance to noncurrent loans | 287.9048% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 3,446 |
| Noncurrent loans to loans | 0.5472% | 4,276 |
| Net loans and leases to total assets | 88.6222% | 89 |
| Net loans and leases to deposits | 102.8243% | 462 |
| Net loans and leases to core deposits | 148.5151% | 107 |
| Total domestic deposits to total assets | 86.1880% | 2,762 |
| Equity capital to assets | 9.2282% | 5,117 |
| Core capital (leverage) ratio | 9.5255% | 4,339 |
| Tier 1 risk-based capital ratio | 10.9559% | 6,011 |
| Total risk-based capital ratio | 12.2112% | 5,958 |
| Memoranda: | ||
| Average total assets | $281,448,250 | 2,279 |
| Average earning assets | $259,428,500 | 2,298 |
| Average equity | $27,144,750 | 2,477 |
| Average total loans | $240,029,500 | 1,767 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1849% | 3,006 |
| Cost of funding earning assets | 0.5182% | 2,654 |
| Net interest margin | 3.6667% | 3,085 |
| Noninterest income to average assets | 1.9238% | 365 |
| Noninterest expense to average assets | 3.7779% | 1,000 |
| Loan and lease loss provision to assets | 0.3466% | 520 |
| Net operating income to assets | 0.7761% | 3,447 |
| Return on assets (ROA) | 0.7761% | 3,546 |
| Pretax return on assets | 1.1696% | 2,801 |
| Return on Equity (ROE) | 7.9186% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.9186% | 1,353 |
| Net charge-offs to loans | 0.0070% | 4,144 |
| Credit loss provision to net charge-offs | 5,912.5000% | 59 |
| Earnings coverage of net charge-offs (x) | 258.6250% | 260 |
| Efficiency ratio | 71.3594% | 3,451 |
| Assets per employee ($millions) | 3.8352% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5895% | 2,502 |
| Loan loss allowance to noncurrent loans | 209.3700% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.9898% | 3,079 |
| Noncurrent loans to loans | 0.7592% | 3,803 |
| Net loans and leases to total assets | 86.2786% | 166 |
| Net loans and leases to deposits | 99.1007% | 598 |
| Net loans and leases to core deposits | 141.9315% | 130 |
| Total domestic deposits to total assets | 87.0615% | 2,421 |
| Equity capital to assets | 9.7352% | 4,448 |
| Core capital (leverage) ratio | 10.1403% | 3,424 |
| Tier 1 risk-based capital ratio | 12.0700% | 5,503 |
| Total risk-based capital ratio | 13.3181% | 5,433 |
| Memoranda: | ||
| Average total assets | $272,904,000 | 2,353 |
| Average earning assets | $250,851,330 | 2,350 |
| Average equity | $26,747,000 | 2,500 |
| Average total loans | $227,873,330 | 1,839 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 2,776 |
| Cost of funding earning assets | 0.5195% | 2,724 |
| Net interest margin | 3.7071% | 2,836 |
| Noninterest income to average assets | 1.6586% | 451 |
| Noninterest expense to average assets | 3.8018% | 978 |
| Loan and lease loss provision to assets | 0.1825% | 1,314 |
| Net operating income to assets | 0.7044% | 3,666 |
| Return on assets (ROA) | 0.7044% | 3,745 |
| Pretax return on assets | 1.0678% | 3,042 |
| Return on Equity (ROE) | 7.1619% | 3,380 |
| Retained earnings to average equity (ytd only) | 7.1619% | 1,952 |
| Net charge-offs to loans | 0.0037% | 3,602 |
| Credit loss provision to net charge-offs | 6,100.0000% | 51 |
| Earnings coverage of net charge-offs (x) | 418.0000% | 108 |
| Efficiency ratio | 75.2516% | 2,920 |
| Assets per employee ($millions) | 3.8733% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6101% | 2,651 |
| Loan loss allowance to noncurrent loans | 217.0174% | 1,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 3,233 |
| Noncurrent loans to loans | 0.7419% | 4,012 |
| Net loans and leases to total assets | 80.1939% | 528 |
| Net loans and leases to deposits | 94.0171% | 790 |
| Net loans and leases to core deposits | 135.3758% | 152 |
| Total domestic deposits to total assets | 85.2971% | 3,725 |
| Equity capital to assets | 9.6516% | 4,290 |
| Core capital (leverage) ratio | 10.0464% | 3,498 |
| Tier 1 risk-based capital ratio | 12.1658% | 5,531 |
| Total risk-based capital ratio | 13.4144% | 5,458 |
| Memoranda: | ||
| Average total assets | $267,453,500 | 2,398 |
| Average earning assets | $244,827,500 | 2,401 |
| Average equity | $26,306,000 | 2,529 |
| Average total loans | $217,401,000 | 1,915 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2808% | 3,035 |
| Cost of funding earning assets | 0.5718% | 2,908 |
| Net interest margin | 3.7090% | 3,015 |
| Noninterest income to average assets | 2.7442% | 248 |
| Noninterest expense to average assets | 4.3005% | 633 |
| Loan and lease loss provision to assets | 0.2980% | 1,136 |
| Net operating income to assets | 0.9555% | 2,539 |
| Return on assets (ROA) | 0.9555% | 2,613 |
| Pretax return on assets | 1.4535% | 1,606 |
| Return on Equity (ROE) | 8.9777% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.5370% | 896 |
| Net charge-offs to loans | 0.0258% | 4,905 |
| Credit loss provision to net charge-offs | 1,398.0000% | 178 |
| Earnings coverage of net charge-offs (x) | 82.1600% | 542 |
| Efficiency ratio | 71.0582% | 3,658 |
| Assets per employee ($millions) | 3.5122% | 4,876 |
| Cash dividends to net income (ytd only)* | 4.9085% | 4,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6567% | 2,545 |
| Loan loss allowance to noncurrent loans | 208.9820% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.0723% | 3,265 |
| Noncurrent loans to loans | 0.7928% | 3,997 |
| Net loans and leases to total assets | 79.7092% | 624 |
| Net loans and leases to deposits | 94.2054% | 864 |
| Net loans and leases to core deposits | 133.9166% | 169 |
| Total domestic deposits to total assets | 84.6121% | 3,920 |
| Equity capital to assets | 10.0305% | 3,731 |
| Core capital (leverage) ratio | 10.3769% | 3,055 |
| Tier 1 risk-based capital ratio | 12.5177% | 5,275 |
| Total risk-based capital ratio | 13.7661% | 5,233 |
| Memoranda: | ||
| Average total assets | $234,530,400 | 2,672 |
| Average earning assets | $209,167,400 | 2,731 |
| Average equity | $24,961,800 | 2,632 |
| Average total loans | $193,787,800 | 2,060 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 3,067 |
| Cost of funding earning assets | 0.5884% | 2,914 |
| Net interest margin | 3.6943% | 3,050 |
| Noninterest income to average assets | 2.9472% | 245 |
| Noninterest expense to average assets | 4.4670% | 537 |
| Loan and lease loss provision to assets | 0.2968% | 1,149 |
| Net operating income to assets | 0.9518% | 2,588 |
| Return on assets (ROA) | 0.9518% | 2,689 |
| Pretax return on assets | 1.4631% | 1,717 |
| Return on Equity (ROE) | 8.7988% | 2,740 |
| Retained earnings to average equity (ytd only) | 8.2046% | 1,335 |
| Net charge-offs to loans | 0.0345% | 4,446 |
| Credit loss provision to net charge-offs | 1,036.7347% | 299 |
| Earnings coverage of net charge-offs (x) | 61.4710% | 743 |
| Efficiency ratio | 71.7369% | 3,454 |
| Assets per employee ($millions) | 3.5107% | 4,826 |
| Cash dividends to net income (ytd only)* | 6.7525% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6361% | 2,860 |
| Loan loss allowance to noncurrent loans | 223.8128% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 1.6413% | 2,505 |
| Noncurrent loans to loans | 0.7310% | 4,392 |
| Net loans and leases to total assets | 79.5727% | 599 |
| Net loans and leases to deposits | 94.4778% | 799 |
| Net loans and leases to core deposits | 130.8202% | 180 |
| Total domestic deposits to total assets | 84.2237% | 4,101 |
| Equity capital to assets | 10.2134% | 3,624 |
| Core capital (leverage) ratio | 10.6612% | 2,829 |
| Tier 1 risk-based capital ratio | 12.6965% | 5,327 |
| Total risk-based capital ratio | 13.9433% | 5,274 |
| Memoranda: | ||
| Average total assets | $228,186,500 | 2,759 |
| Average earning assets | $202,576,000 | 2,820 |
| Average equity | $24,684,750 | 2,682 |
| Average total loans | $189,570,000 | 2,101 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3521% | 2,752 |
| Cost of funding earning assets | 0.6121% | 2,825 |
| Net interest margin | 3.7401% | 2,804 |
| Noninterest income to average assets | 3.3324% | 220 |
| Noninterest expense to average assets | 4.7323% | 436 |
| Loan and lease loss provision to assets | 0.3219% | 1,085 |
| Net operating income to assets | 1.0273% | 2,210 |
| Return on assets (ROA) | 1.0273% | 2,330 |
| Pretax return on assets | 1.5826% | 1,416 |
| Return on Equity (ROE) | 9.3012% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.4005% | 1,335 |
| Net charge-offs to loans | 0.0291% | 4,285 |
| Credit loss provision to net charge-offs | 1,318.5185% | 239 |
| Earnings coverage of net charge-offs (x) | 78.0000% | 582 |
| Efficiency ratio | 71.3040% | 3,592 |
| Assets per employee ($millions) | 3.6172% | 4,582 |
| Cash dividends to net income (ytd only)* | 9.6831% | 3,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 3,230 |
| Loan loss allowance to noncurrent loans | 1,032.2476% | 455 |
| Noncurrent assets plus other real estate owned to assets | 1.1712% | 3,409 |
| Noncurrent loans to loans | 0.1529% | 5,940 |
| Net loans and leases to total assets | 82.7998% | 305 |
| Net loans and leases to deposits | 98.9216% | 488 |
| Net loans and leases to core deposits | 130.7389% | 182 |
| Total domestic deposits to total assets | 83.7024% | 4,453 |
| Equity capital to assets | 10.4572% | 3,359 |
| Core capital (leverage) ratio | 10.9023% | 2,453 |
| Tier 1 risk-based capital ratio | 12.7273% | 5,340 |
| Total risk-based capital ratio | 13.9819% | 5,271 |
| Memoranda: | ||
| Average total assets | $221,162,000 | 2,825 |
| Average earning assets | $195,398,000 | 2,924 |
| Average equity | $24,427,000 | 2,726 |
| Average total loans | $185,546,000 | 2,149 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4333% | 2,411 |
| Cost of funding earning assets | 0.6462% | 2,696 |
| Net interest margin | 3.7871% | 2,501 |
| Noninterest income to average assets | 3.2452% | 229 |
| Noninterest expense to average assets | 4.7877% | 428 |
| Loan and lease loss provision to assets | 0.1940% | 1,909 |
| Net operating income to assets | 1.0321% | 2,101 |
| Return on assets (ROA) | 1.0321% | 2,213 |
| Pretax return on assets | 1.5859% | 1,334 |
| Return on Equity (ROE) | 9.0736% | 2,454 |
| Retained earnings to average equity (ytd only) | 7.2523% | 2,048 |
| Net charge-offs to loans | 0.0495% | 3,336 |
| Credit loss provision to net charge-offs | 468.1818% | 565 |
| Earnings coverage of net charge-offs (x) | 42.9545% | 741 |
| Efficiency ratio | 72.8993% | 3,457 |
| Assets per employee ($millions) | 3.2904% | 5,450 |
| Cash dividends to net income (ytd only)* | 20.0730% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5763% | 3,500 |
| Loan loss allowance to noncurrent loans | 1,000.6849% | 474 |
| Noncurrent assets plus other real estate owned to assets | 1.3045% | 3,358 |
| Noncurrent loans to loans | 0.1575% | 6,000 |
| Net loans and leases to total assets | 82.7556% | 254 |
| Net loans and leases to deposits | 99.7278% | 365 |
| Net loans and leases to core deposits | 122.6574% | 249 |
| Total domestic deposits to total assets | 82.9815% | 4,860 |
| Equity capital to assets | 11.0573% | 2,898 |
| Core capital (leverage) ratio | 11.5743% | 1,830 |
| Tier 1 risk-based capital ratio | 13.0939% | 5,151 |
| Total risk-based capital ratio | 14.3358% | 5,108 |
| Memoranda: | ||
| Average total assets | $212,375,500 | 2,958 |
| Average earning assets | $186,318,500 | 3,069 |
| Average equity | $24,158,000 | 2,792 |
| Average total loans | $177,898,500 | 2,237 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5807% | 3,078 |
| Cost of funding earning assets | 0.8315% | 2,414 |
| Net interest margin | 3.7493% | 3,441 |
| Noninterest income to average assets | 3.5857% | 206 |
| Noninterest expense to average assets | 4.8523% | 424 |
| Loan and lease loss provision to assets | 0.3520% | 1,897 |
| Net operating income to assets | 1.2671% | 1,403 |
| Return on assets (ROA) | 1.2671% | 1,553 |
| Pretax return on assets | 1.6881% | 1,166 |
| Return on Equity (ROE) | 11.2177% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.2177% | 417 |
| Net charge-offs to loans | 0.2822% | 3,250 |
| Credit loss provision to net charge-offs | 157.5556% | 1,706 |
| Earnings coverage of net charge-offs (x) | 9.1311% | 2,303 |
| Efficiency ratio | 70.4005% | 3,731 |
| Assets per employee ($millions) | 3.1920% | 5,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6664% | 3,056 |
| Loan loss allowance to noncurrent loans | 1,880.7947% | 287 |
| Noncurrent assets plus other real estate owned to assets | 1.4029% | 3,298 |
| Noncurrent loans to loans | 0.0886% | 6,266 |
| Net loans and leases to total assets | 82.0359% | 324 |
| Net loans and leases to deposits | 94.8407% | 694 |
| Net loans and leases to core deposits | 111.0373% | 503 |
| Total domestic deposits to total assets | 86.4987% | 3,098 |
| Equity capital to assets | 11.7181% | 2,255 |
| Core capital (leverage) ratio | 11.9453% | 1,598 |
| Tier 1 risk-based capital ratio | 14.3125% | 4,156 |
| Total risk-based capital ratio | 15.5465% | 4,124 |
| Memoranda: | ||
| Average total assets | $201,411,400 | 3,021 |
| Average earning assets | $177,635,000 | 3,122 |
| Average equity | $22,749,800 | 2,876 |
| Average total loans | $159,469,400 | 2,440 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6122% | 3,156 |
| Cost of funding earning assets | 0.8662% | 2,421 |
| Net interest margin | 3.7461% | 3,574 |
| Noninterest income to average assets | 3.4679% | 209 |
| Noninterest expense to average assets | 4.7295% | 450 |
| Loan and lease loss provision to assets | 0.4710% | 1,318 |
| Net operating income to assets | 1.4543% | 1,119 |
| Return on assets (ROA) | 1.4543% | 1,240 |
| Pretax return on assets | 1.5832% | 1,633 |
| Return on Equity (ROE) | 12.9990% | 1,337 |
| Retained earnings to average equity (ytd only) | 12.9990% | 396 |
| Net charge-offs to loans | 0.4134% | 2,436 |
| Credit loss provision to net charge-offs | 145.8848% | 1,954 |
| Earnings coverage of net charge-offs (x) | 6.3622% | 2,808 |
| Efficiency ratio | 69.7189% | 3,746 |
| Assets per employee ($millions) | 3.2661% | 5,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6757% | 3,224 |
| Loan loss allowance to noncurrent loans | 167.9042% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 3,315 |
| Noncurrent loans to loans | 0.9980% | 4,455 |
| Net loans and leases to total assets | 79.9612% | 507 |
| Net loans and leases to deposits | 97.4052% | 576 |
| Net loans and leases to core deposits | 110.9348% | 537 |
| Total domestic deposits to total assets | 82.0913% | 4,986 |
| Equity capital to assets | 11.4577% | 2,793 |
| Core capital (leverage) ratio | 11.5445% | 1,957 |
| Tier 1 risk-based capital ratio | 14.2644% | 4,345 |
| Total risk-based capital ratio | 15.4920% | 4,325 |
| Memoranda: | ||
| Average total assets | $200,691,500 | 3,065 |
| Average earning assets | $177,638,750 | 3,164 |
| Average equity | $22,452,500 | 2,945 |
| Average total loans | $156,728,750 | 2,506 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 3,285 |
| Cost of funding earning assets | 0.9102% | 2,320 |
| Net interest margin | 3.7078% | 3,781 |
| Noninterest income to average assets | 3.1427% | 232 |
| Noninterest expense to average assets | 4.4683% | 569 |
| Loan and lease loss provision to assets | 0.6925% | 798 |
| Net operating income to assets | 1.2573% | 1,549 |
| Return on assets (ROA) | 1.2573% | 1,714 |
| Pretax return on assets | 1.2573% | 2,701 |
| Return on Equity (ROE) | 11.3325% | 1,868 |
| Retained earnings to average equity (ytd only) | 11.3325% | 684 |
| Net charge-offs to loans | 0.6332% | 1,735 |
| Credit loss provision to net charge-offs | 142.0619% | 1,954 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,202 |
| Efficiency ratio | 69.6210% | 3,829 |
| Assets per employee ($millions) | 3.4450% | 5,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7364% | 3,084 |
| Loan loss allowance to noncurrent loans | 174.4987% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 1.5984% | 3,319 |
| Noncurrent loans to loans | 0.9951% | 4,511 |
| Net loans and leases to total assets | 76.2483% | 936 |
| Net loans and leases to deposits | 92.2790% | 918 |
| Net loans and leases to core deposits | 104.0256% | 853 |
| Total domestic deposits to total assets | 82.6280% | 4,895 |
| Equity capital to assets | 10.9525% | 3,167 |
| Core capital (leverage) ratio | 11.2475% | 2,089 |
| Tier 1 risk-based capital ratio | 14.0737% | 4,388 |
| Total risk-based capital ratio | 15.3251% | 4,354 |
| Memoranda: | ||
| Average total assets | $199,000,000 | 3,091 |
| Average earning assets | $175,793,670 | 3,191 |
| Average equity | $22,078,000 | 2,978 |
| Average total loans | $153,192,670 | 2,565 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7058% | 3,032 |
| Cost of funding earning assets | 0.9128% | 2,586 |
| Net interest margin | 3.7930% | 3,420 |
| Noninterest income to average assets | 3.3082% | 208 |
| Noninterest expense to average assets | 4.6405% | 484 |
| Loan and lease loss provision to assets | 0.3321% | 1,885 |
| Net operating income to assets | 1.6828% | 745 |
| Return on assets (ROA) | 1.6828% | 829 |
| Pretax return on assets | 1.6828% | 1,351 |
| Return on Equity (ROE) | 15.0659% | 959 |
| Retained earnings to average equity (ytd only) | 15.0659% | 444 |
| Net charge-offs to loans | -0.0134% | 6,042 |
| Credit loss provision to net charge-offs | -3,240.0000% | 6,145 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7259% | 3,861 |
| Assets per employee ($millions) | 3.4681% | 5,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 3,057 |
| Loan loss allowance to noncurrent loans | 215.4510% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 3,337 |
| Noncurrent loans to loans | 0.8265% | 5,020 |
| Net loans and leases to total assets | 75.3270% | 884 |
| Net loans and leases to deposits | 91.6186% | 828 |
| Net loans and leases to core deposits | 105.3203% | 702 |
| Total domestic deposits to total assets | 82.2180% | 5,222 |
| Equity capital to assets | 11.0407% | 2,855 |
| Core capital (leverage) ratio | 11.6314% | 1,815 |
| Tier 1 risk-based capital ratio | 14.3963% | 4,181 |
| Total risk-based capital ratio | 15.6532% | 4,144 |
| Memoranda: | ||
| Average total assets | $195,149,500 | 3,167 |
| Average earning assets | $172,211,500 | 3,254 |
| Average equity | $21,797,500 | 2,999 |
| Average total loans | $149,593,500 | 2,641 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8192% | 3,719 |
| Cost of funding earning assets | 1.0484% | 3,033 |
| Net interest margin | 3.7708% | 3,976 |
| Noninterest income to average assets | 2.6861% | 243 |
| Noninterest expense to average assets | 4.5313% | 575 |
| Loan and lease loss provision to assets | 0.3421% | 2,960 |
| Net operating income to assets | 1.4601% | 906 |
| Return on assets (ROA) | 1.4601% | 981 |
| Pretax return on assets | 1.1462% | 2,669 |
| Return on Equity (ROE) | 12.9529% | 1,176 |
| Retained earnings to average equity (ytd only) | 12.9529% | 230 |
| Net charge-offs to loans | 0.3750% | 3,533 |
| Credit loss provision to net charge-offs | 117.7043% | 2,732 |
| Earnings coverage of net charge-offs (x) | 5.1206% | 2,894 |
| Efficiency ratio | 75.2748% | 3,012 |
| Assets per employee ($millions) | 3.3777% | 5,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,932 |
| Loan loss allowance to noncurrent loans | 181.7606% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 1.8879% | 3,127 |
| Noncurrent loans to loans | 0.9798% | 4,746 |
| Net loans and leases to total assets | 75.2522% | 1,057 |
| Net loans and leases to deposits | 92.1617% | 955 |
| Net loans and leases to core deposits | 106.8771% | 763 |
| Total domestic deposits to total assets | 81.6523% | 5,254 |
| Equity capital to assets | 11.3068% | 2,684 |
| Core capital (leverage) ratio | 11.2258% | 2,100 |
| Tier 1 risk-based capital ratio | 14.6581% | 3,863 |
| Total risk-based capital ratio | 15.9150% | 3,840 |
| Memoranda: | ||
| Average total assets | $176,837,600 | 3,383 |
| Average earning assets | $156,334,000 | 3,468 |
| Average equity | $19,933,800 | 3,164 |
| Average total loans | $137,071,600 | 2,857 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8242% | 3,922 |
| Cost of funding earning assets | 1.0836% | 3,084 |
| Net interest margin | 3.7406% | 4,155 |
| Noninterest income to average assets | 2.2897% | 305 |
| Noninterest expense to average assets | 4.2188% | 781 |
| Loan and lease loss provision to assets | 0.3223% | 2,957 |
| Net operating income to assets | 1.4855% | 971 |
| Return on assets (ROA) | 1.4855% | 1,050 |
| Pretax return on assets | 1.0597% | 3,169 |
| Return on Equity (ROE) | 13.1896% | 1,231 |
| Retained earnings to average equity (ytd only) | 13.1896% | 363 |
| Net charge-offs to loans | 0.3099% | 3,547 |
| Credit loss provision to net charge-offs | 133.7580% | 2,381 |
| Earnings coverage of net charge-offs (x) | 5.7356% | 2,711 |
| Efficiency ratio | 75.3254% | 2,956 |
| Assets per employee ($millions) | 3.4941% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7540% | 3,092 |
| Loan loss allowance to noncurrent loans | 115.5318% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 2.0521% | 3,072 |
| Noncurrent loans to loans | 1.5182% | 4,005 |
| Net loans and leases to total assets | 77.0635% | 833 |
| Net loans and leases to deposits | 94.0706% | 831 |
| Net loans and leases to core deposits | 108.3745% | 755 |
| Total domestic deposits to total assets | 81.9209% | 5,126 |
| Equity capital to assets | 10.9926% | 3,155 |
| Core capital (leverage) ratio | 11.9125% | 1,756 |
| Tier 1 risk-based capital ratio | 14.2059% | 4,195 |
| Total risk-based capital ratio | 15.4627% | 4,160 |
| Memoranda: | ||
| Average total assets | $173,759,000 | 3,454 |
| Average earning assets | $153,805,000 | 3,533 |
| Average equity | $19,570,500 | 3,209 |
| Average total loans | $135,109,000 | 2,918 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 3,691 |
| Cost of funding earning assets | 1.1679% | 2,787 |
| Net interest margin | 3.7167% | 4,190 |
| Noninterest income to average assets | 1.9421% | 375 |
| Noninterest expense to average assets | 4.0738% | 940 |
| Loan and lease loss provision to assets | 0.1481% | 4,459 |
| Net operating income to assets | 1.0084% | 2,192 |
| Return on assets (ROA) | 1.0084% | 2,290 |
| Pretax return on assets | 1.0084% | 3,208 |
| Return on Equity (ROE) | 8.8737% | 2,565 |
| Retained earnings to average equity (ytd only) | 8.8737% | 1,149 |
| Net charge-offs to loans | 0.0398% | 5,295 |
| Credit loss provision to net charge-offs | 480.7692% | 643 |
| Earnings coverage of net charge-offs (x) | 37.5385% | 778 |
| Efficiency ratio | 77.8885% | 2,730 |
| Assets per employee ($millions) | 3.2286% | 5,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9518% | 2,504 |
| Loan loss allowance to noncurrent loans | 76.5297% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 2.8724% | 2,339 |
| Noncurrent loans to loans | 2.5503% | 2,830 |
| Net loans and leases to total assets | 74.5984% | 1,306 |
| Net loans and leases to deposits | 87.1109% | 1,634 |
| Net loans and leases to core deposits | 98.4505% | 1,470 |
| Total domestic deposits to total assets | 85.6361% | 3,529 |
| Equity capital to assets | 11.2741% | 2,701 |
| Core capital (leverage) ratio | 11.9137% | 1,658 |
| Tier 1 risk-based capital ratio | 14.3720% | 3,886 |
| Total risk-based capital ratio | 15.6113% | 3,863 |
| Memoranda: | ||
| Average total assets | $168,784,670 | 3,559 |
| Average earning assets | $149,324,330 | 3,635 |
| Average equity | $19,180,330 | 3,251 |
| Average total loans | $130,811,670 | 3,024 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9174% | 3,499 |
| Cost of funding earning assets | 1.2536% | 2,481 |
| Net interest margin | 3.6638% | 4,267 |
| Noninterest income to average assets | 1.9445% | 368 |
| Noninterest expense to average assets | 4.2553% | 760 |
| Loan and lease loss provision to assets | 0.3012% | 2,751 |
| Net operating income to assets | 0.6626% | 3,692 |
| Return on assets (ROA) | 0.6626% | 3,765 |
| Pretax return on assets | 0.6626% | 4,446 |
| Return on Equity (ROE) | 5.8070% | 4,014 |
| Retained earnings to average equity (ytd only) | 5.8070% | 2,751 |
| Net charge-offs to loans | 0.0801% | 4,140 |
| Credit loss provision to net charge-offs | 480.7692% | 743 |
| Earnings coverage of net charge-offs (x) | 15.3846% | 1,317 |
| Efficiency ratio | 81.5328% | 2,293 |
| Assets per employee ($millions) | 3.5210% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0589% | 2,271 |
| Loan loss allowance to noncurrent loans | 73.1432% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 3.1356% | 2,201 |
| Noncurrent loans to loans | 2.8149% | 2,680 |
| Net loans and leases to total assets | 74.4500% | 1,276 |
| Net loans and leases to deposits | 89.1304% | 1,336 |
| Net loans and leases to core deposits | 96.7649% | 1,614 |
| Total domestic deposits to total assets | 83.5292% | 4,687 |
| Equity capital to assets | 11.5296% | 2,240 |
| Core capital (leverage) ratio | 11.5364% | 1,825 |
| Tier 1 risk-based capital ratio | 14.6723% | 3,631 |
| Total risk-based capital ratio | 15.9319% | 3,580 |
| Memoranda: | ||
| Average total assets | $166,003,500 | 3,621 |
| Average earning assets | $148,370,500 | 3,670 |
| Average equity | $18,942,500 | 3,264 |
| Average total loans | $129,893,000 | 3,068 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0751% | 4,205 |
| Cost of funding earning assets | 1.4706% | 2,820 |
| Net interest margin | 3.6045% | 4,799 |
| Noninterest income to average assets | 2.0369% | 381 |
| Noninterest expense to average assets | 4.3264% | 787 |
| Loan and lease loss provision to assets | 0.5107% | 3,110 |
| Net operating income to assets | 0.4489% | 4,322 |
| Return on assets (ROA) | 0.4489% | 4,483 |
| Pretax return on assets | 0.4489% | 4,799 |
| Return on Equity (ROE) | 4.0353% | 4,507 |
| Retained earnings to average equity (ytd only) | 4.0353% | 3,032 |
| Net charge-offs to loans | 0.5662% | 3,352 |
| Credit loss provision to net charge-offs | 119.9147% | 3,525 |
| Earnings coverage of net charge-offs (x) | 2.2532% | 4,034 |
| Efficiency ratio | 81.8453% | 2,186 |
| Assets per employee ($millions) | 3.4692% | 5,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8583% | 2,667 |
| Loan loss allowance to noncurrent loans | 103.9666% | 2,794 |
| Noncurrent assets plus other real estate owned to assets | 2.4423% | 2,834 |
| Noncurrent loans to loans | 1.7874% | 3,834 |
| Net loans and leases to total assets | 78.9701% | 802 |
| Net loans and leases to deposits | 92.5399% | 1,198 |
| Net loans and leases to core deposits | 98.8224% | 1,717 |
| Total domestic deposits to total assets | 85.3363% | 3,699 |
| Equity capital to assets | 11.2929% | 2,416 |
| Core capital (leverage) ratio | 11.2087% | 2,007 |
| Tier 1 risk-based capital ratio | 14.4486% | 3,582 |
| Total risk-based capital ratio | 15.6879% | 3,546 |
| Memoranda: | ||
| Average total assets | $165,056,600 | 3,616 |
| Average earning assets | $148,786,000 | 3,649 |
| Average equity | $18,362,800 | 3,371 |
| Average total loans | $124,151,200 | 3,232 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0965% | 4,337 |
| Cost of funding earning assets | 1.5066% | 2,936 |
| Net interest margin | 3.5899% | 4,920 |
| Noninterest income to average assets | 1.7009% | 491 |
| Noninterest expense to average assets | 4.0236% | 1,024 |
| Loan and lease loss provision to assets | 0.5165% | 2,877 |
| Net operating income to assets | 0.3959% | 4,767 |
| Return on assets (ROA) | 0.3959% | 4,948 |
| Pretax return on assets | 0.3959% | 5,232 |
| Return on Equity (ROE) | 3.5721% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.5721% | 3,935 |
| Net charge-offs to loans | 0.4854% | 3,332 |
| Credit loss provision to net charge-offs | 144.0181% | 2,730 |
| Earnings coverage of net charge-offs (x) | 2.5440% | 3,891 |
| Efficiency ratio | 81.5155% | 2,125 |
| Assets per employee ($millions) | 3.6418% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 2,300 |
| Loan loss allowance to noncurrent loans | 175.7597% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 2.0663% | 3,384 |
| Noncurrent loans to loans | 1.1215% | 4,993 |
| Net loans and leases to total assets | 72.4050% | 2,165 |
| Net loans and leases to deposits | 84.0554% | 2,695 |
| Net loans and leases to core deposits | 96.0792% | 2,251 |
| Total domestic deposits to total assets | 86.1396% | 3,011 |
| Equity capital to assets | 10.6140% | 3,395 |
| Core capital (leverage) ratio | 10.8964% | 2,338 |
| Tier 1 risk-based capital ratio | 14.2616% | 3,655 |
| Total risk-based capital ratio | 15.5114% | 3,616 |
| Memoranda: | ||
| Average total assets | $164,690,750 | 3,673 |
| Average earning assets | $148,411,750 | 3,713 |
| Average equity | $18,252,250 | 3,433 |
| Average total loans | $121,691,250 | 3,333 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1419% | 4,234 |
| Cost of funding earning assets | 1.5593% | 2,908 |
| Net interest margin | 3.5825% | 4,890 |
| Noninterest income to average assets | 1.4121% | 635 |
| Noninterest expense to average assets | 3.7999% | 1,358 |
| Loan and lease loss provision to assets | 0.5653% | 2,510 |
| Net operating income to assets | 0.2740% | 5,283 |
| Return on assets (ROA) | 0.2740% | 5,431 |
| Pretax return on assets | 0.2740% | 5,578 |
| Return on Equity (ROE) | 2.4350% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.4350% | 4,606 |
| Net charge-offs to loans | 0.4681% | 3,139 |
| Credit loss provision to net charge-offs | 163.4409% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.4265% | 3,780 |
| Efficiency ratio | 81.9081% | 2,181 |
| Assets per employee ($millions) | 3.5863% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0539% | 2,065 |
| Loan loss allowance to noncurrent loans | 130.7971% | 2,131 |
| Noncurrent assets plus other real estate owned to assets | 2.4716% | 2,908 |
| Noncurrent loans to loans | 1.5703% | 4,353 |
| Net loans and leases to total assets | 71.4943% | 2,535 |
| Net loans and leases to deposits | 88.8342% | 2,027 |
| Net loans and leases to core deposits | 98.6461% | 2,159 |
| Total domestic deposits to total assets | 80.4807% | 5,566 |
| Equity capital to assets | 10.8480% | 3,028 |
| Core capital (leverage) ratio | 11.0795% | 2,179 |
| Tier 1 risk-based capital ratio | 14.6552% | 3,352 |
| Total risk-based capital ratio | 15.9151% | 3,325 |
| Memoranda: | ||
| Average total assets | $161,318,670 | 3,759 |
| Average earning assets | $145,317,000 | 3,791 |
| Average equity | $18,151,670 | 3,437 |
| Average total loans | $119,217,000 | 3,416 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1544% | 4,275 |
| Cost of funding earning assets | 1.6336% | 2,749 |
| Net interest margin | 3.5208% | 5,082 |
| Noninterest income to average assets | 1.0146% | 1,253 |
| Noninterest expense to average assets | 3.5815% | 1,783 |
| Loan and lease loss provision to assets | 0.4971% | 2,515 |
| Net operating income to assets | 0.1065% | 6,007 |
| Return on assets (ROA) | 0.1065% | 6,113 |
| Pretax return on assets | 0.1065% | 6,117 |
| Return on Equity (ROE) | 0.9289% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.9289% | 5,445 |
| Net charge-offs to loans | 0.5012% | 2,562 |
| Credit loss provision to net charge-offs | 133.3333% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.6190% | 3,761 |
| Efficiency ratio | 85.5758% | 1,844 |
| Assets per employee ($millions) | 3.3123% | 5,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9905% | 2,218 |
| Loan loss allowance to noncurrent loans | 157.6594% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 2.4354% | 2,982 |
| Noncurrent loans to loans | 1.2625% | 4,875 |
| Net loans and leases to total assets | 74.2652% | 1,916 |
| Net loans and leases to deposits | 95.3949% | 1,182 |
| Net loans and leases to core deposits | 108.2443% | 1,400 |
| Total domestic deposits to total assets | 77.8503% | 6,355 |
| Equity capital to assets | 11.3881% | 2,442 |
| Core capital (leverage) ratio | 11.6227% | 1,844 |
| Tier 1 risk-based capital ratio | 14.7862% | 3,213 |
| Total risk-based capital ratio | 16.0455% | 3,169 |
| Memoranda: | ||
| Average total assets | $157,700,000 | 3,883 |
| Average earning assets | $142,013,500 | 3,919 |
| Average equity | $18,085,000 | 3,464 |
| Average total loans | $117,308,000 | 3,514 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 4,380 |
| Cost of funding earning assets | 2.3401% | 1,491 |
| Net interest margin | 3.1214% | 6,308 |
| Noninterest income to average assets | 0.9697% | 1,669 |
| Noninterest expense to average assets | 4.0670% | 1,277 |
| Loan and lease loss provision to assets | 0.8566% | 2,596 |
| Net operating income to assets | -1.1506% | 6,682 |
| Return on assets (ROA) | -1.1506% | 6,683 |
| Pretax return on assets | -1.1506% | 6,511 |
| Return on Equity (ROE) | -11.1319% | 6,707 |
| Retained earnings to average equity (ytd only) | -11.1319% | 6,609 |
| Net charge-offs to loans | 0.2611% | 4,991 |
| Credit loss provision to net charge-offs | 421.6312% | 746 |
| Earnings coverage of net charge-offs (x) | -1.4468% | 6,952 |
| Efficiency ratio | 107.7907% | 846 |
| Assets per employee ($millions) | 3.3279% | 5,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0588% | 1,893 |
| Loan loss allowance to noncurrent loans | 80.5070% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 3.3451% | 2,040 |
| Noncurrent loans to loans | 2.5573% | 2,998 |
| Net loans and leases to total assets | 71.4748% | 2,892 |
| Net loans and leases to deposits | 84.8292% | 3,114 |
| Net loans and leases to core deposits | 113.3562% | 2,557 |
| Total domestic deposits to total assets | 84.2573% | 3,914 |
| Equity capital to assets | 11.5492% | 2,283 |
| Core capital (leverage) ratio | 11.7105% | 1,808 |
| Tier 1 risk-based capital ratio | 15.2606% | 2,820 |
| Total risk-based capital ratio | 16.4957% | 2,783 |
| Memoranda: | ||
| Average total assets | $138,800,600 | 4,149 |
| Average earning assets | $124,655,200 | 4,200 |
| Average equity | $14,346,200 | 4,180 |
| Average total loans | $108,016,400 | 3,738 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5417% | 4,202 |
| Cost of funding earning assets | 2.4599% | 1,411 |
| Net interest margin | 3.0818% | 6,361 |
| Noninterest income to average assets | 1.0466% | 1,454 |
| Noninterest expense to average assets | 4.2480% | 980 |
| Loan and lease loss provision to assets | 1.1795% | 1,646 |
| Net operating income to assets | -1.6131% | 7,164 |
| Return on assets (ROA) | -1.6131% | 7,161 |
| Pretax return on assets | -1.6131% | 7,019 |
| Return on Equity (ROE) | -16.1585% | 7,244 |
| Retained earnings to average equity (ytd only) | -16.1585% | 7,195 |
| Net charge-offs to loans | 0.3155% | 4,067 |
| Credit loss provision to net charge-offs | 471.8254% | 833 |
| Earnings coverage of net charge-offs (x) | -1.7341% | 6,719 |
| Efficiency ratio | 111.3654% | 742 |
| Assets per employee ($millions) | 3.6220% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0493% | 1,688 |
| Loan loss allowance to noncurrent loans | 72.7606% | 3,698 |
| Noncurrent assets plus other real estate owned to assets | 2.2640% | 3,025 |
| Noncurrent loans to loans | 2.8165% | 2,690 |
| Net loans and leases to total assets | 73.0393% | 2,781 |
| Net loans and leases to deposits | 85.8522% | 3,345 |
| Net loans and leases to core deposits | 110.4171% | 3,189 |
| Total domestic deposits to total assets | 85.0756% | 3,190 |
| Equity capital to assets | 10.6167% | 3,384 |
| Core capital (leverage) ratio | 11.0430% | 2,375 |
| Tier 1 risk-based capital ratio | 14.0278% | 3,537 |
| Total risk-based capital ratio | 15.2876% | 3,476 |
| Memoranda: | ||
| Average total assets | $134,398,500 | 4,273 |
| Average earning assets | $120,705,750 | 4,328 |
| Average equity | $13,416,750 | 4,431 |
| Average total loans | $106,484,750 | 3,808 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6322% | 3,903 |
| Cost of funding earning assets | 2.5976% | 1,291 |
| Net interest margin | 3.0346% | 6,452 |
| Noninterest income to average assets | 1.1361% | 1,218 |
| Noninterest expense to average assets | 4.5473% | 742 |
| Loan and lease loss provision to assets | 0.8485% | 1,975 |
| Net operating income to assets | -1.5540% | 7,272 |
| Return on assets (ROA) | -1.5540% | 7,276 |
| Pretax return on assets | -1.5540% | 7,113 |
| Return on Equity (ROE) | -15.9808% | 7,380 |
| Retained earnings to average equity (ytd only) | -15.9808% | 7,295 |
| Net charge-offs to loans | 0.4764% | 2,928 |
| Credit loss provision to net charge-offs | 219.5122% | 2,096 |
| Earnings coverage of net charge-offs (x) | -1.8252% | 6,337 |
| Efficiency ratio | 118.3640% | 693 |
| Assets per employee ($millions) | 3.0706% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5191% | 3,092 |
| Loan loss allowance to noncurrent loans | 113.9016% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 1.4294% | 4,107 |
| Noncurrent loans to loans | 1.3337% | 4,546 |
| Net loans and leases to total assets | 79.7245% | 1,358 |
| Net loans and leases to deposits | 93.5082% | 2,167 |
| Net loans and leases to core deposits | 123.1087% | 2,107 |
| Total domestic deposits to total assets | 85.2594% | 3,134 |
| Equity capital to assets | 9.8556% | 4,141 |
| Core capital (leverage) ratio | 9.9380% | 3,363 |
| Tier 1 risk-based capital ratio | 12.3103% | 4,663 |
| Total risk-based capital ratio | 13.5722% | 4,580 |
| Memoranda: | ||
| Average total assets | $127,283,000 | 4,449 |
| Average earning assets | $113,489,670 | 4,527 |
| Average equity | $12,377,330 | 4,717 |
| Average total loans | $103,268,000 | 3,933 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6073% | 4,308 |
| Cost of funding earning assets | 2.6152% | 1,511 |
| Net interest margin | 2.9920% | 6,498 |
| Noninterest income to average assets | 1.0540% | 1,333 |
| Noninterest expense to average assets | 3.8803% | 1,336 |
| Loan and lease loss provision to assets | 0.5619% | 2,231 |
| Net operating income to assets | -0.7481% | 7,096 |
| Return on assets (ROA) | -0.7481% | 7,128 |
| Pretax return on assets | -0.7481% | 7,001 |
| Return on Equity (ROE) | -7.7549% | 7,220 |
| Retained earnings to average equity (ytd only) | -7.7549% | 6,887 |
| Net charge-offs to loans | 0.4093% | 2,466 |
| Credit loss provision to net charge-offs | 169.0000% | 2,534 |
| Earnings coverage of net charge-offs (x) | -0.5600% | 5,276 |
| Efficiency ratio | 105.0405% | 951 |
| Assets per employee ($millions) | 3.0281% | 6,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 2,994 |
| Loan loss allowance to noncurrent loans | 121.0568% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 1.3570% | 3,947 |
| Noncurrent loans to loans | 1.2385% | 4,491 |
| Net loans and leases to total assets | 76.2881% | 2,211 |
| Net loans and leases to deposits | 89.4949% | 3,011 |
| Net loans and leases to core deposits | 120.9738% | 2,337 |
| Total domestic deposits to total assets | 85.2430% | 3,093 |
| Equity capital to assets | 9.2052% | 5,082 |
| Core capital (leverage) ratio | 10.0481% | 3,350 |
| Tier 1 risk-based capital ratio | 11.5567% | 5,350 |
| Total risk-based capital ratio | 12.8091% | 5,252 |
| Memoranda: | ||
| Average total assets | $120,300,000 | 4,646 |
| Average earning assets | $106,148,000 | 4,746 |
| Average equity | $11,605,500 | 4,954 |
| Average total loans | $97,728,500 | 4,095 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4170% | 3,325 |
| Cost of funding earning assets | 2.9796% | 1,940 |
| Net interest margin | 3.4374% | 5,518 |
| Noninterest income to average assets | 1.2375% | 972 |
| Noninterest expense to average assets | 4.2248% | 1,123 |
| Loan and lease loss provision to assets | 1.2140% | 1,183 |
| Net operating income to assets | -1.2460% | 7,366 |
| Return on assets (ROA) | -1.2460% | 7,305 |
| Pretax return on assets | -1.2460% | 7,140 |
| Return on Equity (ROE) | -12.3069% | 7,446 |
| Retained earnings to average equity (ytd only) | -12.3069% | 7,270 |
| Net charge-offs to loans | 0.6681% | 1,849 |
| Credit loss provision to net charge-offs | 215.3700% | 2,241 |
| Earnings coverage of net charge-offs (x) | -0.0569% | 6,292 |
| Efficiency ratio | 100.7653% | 952 |
| Assets per employee ($millions) | 3.1540% | 5,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5252% | 2,566 |
| Loan loss allowance to noncurrent loans | 105.4054% | 3,294 |
| Noncurrent assets plus other real estate owned to assets | 1.7510% | 2,793 |
| Noncurrent loans to loans | 1.4470% | 3,630 |
| Net loans and leases to total assets | 84.3982% | 821 |
| Net loans and leases to deposits | 102.9003% | 1,484 |
| Net loans and leases to core deposits | 138.8019% | 1,328 |
| Total domestic deposits to total assets | 82.0194% | 4,193 |
| Equity capital to assets | 10.1684% | 3,845 |
| Core capital (leverage) ratio | 11.1511% | 2,464 |
| Tier 1 risk-based capital ratio | 11.3628% | 5,369 |
| Total risk-based capital ratio | 12.6150% | 5,271 |
| Memoranda: | ||
| Average total assets | $93,495,800 | 5,241 |
| Average earning assets | $80,380,400 | 5,420 |
| Average equity | $9,466,200 | 5,580 |
| Average total loans | $78,878,600 | 4,558 |