Home > Pacific Enterprise Bank > Performance and Condition Ratios
Pacific Enterprise Bank, Performance and Condition Ratios
| 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 | 5.0755% | 242 |
| Cost of funding earning assets | 0.5572% | 682 |
| Net interest margin | 4.5183% | 261 |
| Noninterest income to average assets | 0.2609% | 3,812 |
| Noninterest expense to average assets | 2.8916% | 1,171 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2317% | 1,806 |
| Return on assets (ROA) | 1.2317% | 1,863 |
| Pretax return on assets | 1.7503% | 1,026 |
| Return on Equity (ROE) | 12.4854% | 1,656 |
| Retained earnings to average equity (ytd only) | 12.4854% | 473 |
| Net charge-offs to loans | 0.0125% | 2,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 160.2121% | 628 |
| Efficiency ratio | 62.2936% | 2,825 |
| Assets per employee ($millions) | 5.8226% | 2,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 2,401 |
| Loan loss allowance to noncurrent loans | 825.5507% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 3,019 |
| Noncurrent loans to loans | 0.1564% | 3,149 |
| Net loans and leases to total assets | 82.9179% | 151 |
| Net loans and leases to deposits | 106.2545% | 106 |
| Net loans and leases to core deposits | 129.2572% | 107 |
| Total domestic deposits to total assets | 78.0370% | 4,388 |
| Equity capital to assets | 12.2956% | 1,130 |
| Core capital (leverage) ratio | 13.4266% | 701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1427% | 434 |
| Memoranda: | ||
| Average total assets | $604,121,600 | 1,442 |
| Average earning assets | $585,769,800 | 1,400 |
| Average equity | $59,597,400 | 1,518 |
| Average total loans | $529,426,400 | 1,112 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 326 |
| Cost of funding earning assets | 0.5859% | 681 |
| Net interest margin | 4.3685% | 388 |
| Noninterest income to average assets | 0.3011% | 3,630 |
| Noninterest expense to average assets | 2.7587% | 1,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2534% | 1,976 |
| Return on assets (ROA) | 1.2534% | 2,047 |
| Pretax return on assets | 1.7806% | 1,206 |
| Return on Equity (ROE) | 13.3882% | 1,582 |
| Retained earnings to average equity (ytd only) | 13.3882% | 584 |
| Net charge-offs to loans | -0.0007% | 3,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7728% | 2,867 |
| Assets per employee ($millions) | 6.2926% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 3,324 |
| Loan loss allowance to noncurrent loans | 804.9505% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 3,300 |
| Noncurrent loans to loans | 0.1397% | 3,414 |
| Net loans and leases to total assets | 86.4622% | 61 |
| Net loans and leases to deposits | 119.4441% | 42 |
| Net loans and leases to core deposits | 155.6339% | 55 |
| Total domestic deposits to total assets | 72.3871% | 4,676 |
| Equity capital to assets | 10.7140% | 2,250 |
| Core capital (leverage) ratio | 12.7378% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4060% | 575 |
| Memoranda: | ||
| Average total assets | $625,600,000 | 1,421 |
| Average earning assets | $606,940,250 | 1,376 |
| Average equity | $58,567,500 | 1,564 |
| Average total loans | $552,955,750 | 1,106 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7605% | 493 |
| Cost of funding earning assets | 0.6257% | 652 |
| Net interest margin | 4.1348% | 651 |
| Noninterest income to average assets | 0.0755% | 4,775 |
| Noninterest expense to average assets | 2.6062% | 1,834 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0437% | 2,743 |
| Return on assets (ROA) | 1.0437% | 2,823 |
| Pretax return on assets | 1.4826% | 2,074 |
| Return on Equity (ROE) | 11.6555% | 2,178 |
| Retained earnings to average equity (ytd only) | 11.6555% | 988 |
| Net charge-offs to loans | 0.0310% | 1,351 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 54.0114% | 1,026 |
| Efficiency ratio | 63.7397% | 2,463 |
| Assets per employee ($millions) | 6.9522% | 1,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9882% | 3,864 |
| Loan loss allowance to noncurrent loans | 724.4502% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1196% | 3,440 |
| Noncurrent loans to loans | 0.1364% | 3,511 |
| Net loans and leases to total assets | 86.7851% | 63 |
| Net loans and leases to deposits | 131.8770% | 31 |
| Net loans and leases to core deposits | 167.6434% | 49 |
| Total domestic deposits to total assets | 65.8076% | 4,824 |
| Equity capital to assets | 9.1809% | 3,623 |
| Core capital (leverage) ratio | 12.2485% | 1,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5944% | 641 |
| Memoranda: | ||
| Average total assets | $641,160,667 | 1,386 |
| Average earning assets | $622,332,000 | 1,340 |
| Average equity | $57,415,000 | 1,588 |
| Average total loans | $568,529,000 | 1,085 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6903% | 581 |
| Cost of funding earning assets | 0.6963% | 555 |
| Net interest margin | 3.9941% | 848 |
| Noninterest income to average assets | 0.0658% | 4,807 |
| Noninterest expense to average assets | 2.5593% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9717% | 2,897 |
| Return on assets (ROA) | 0.9717% | 2,993 |
| Pretax return on assets | 1.3808% | 2,336 |
| Return on Equity (ROE) | 10.9916% | 2,371 |
| Retained earnings to average equity (ytd only) | 10.9916% | 1,404 |
| Net charge-offs to loans | 0.1152% | 615 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 13.4390% | 1,404 |
| Efficiency ratio | 64.9547% | 2,358 |
| Assets per employee ($millions) | 7.5695% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9170% | 4,108 |
| Loan loss allowance to noncurrent loans | 622.0721% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.1318% | 3,516 |
| Noncurrent loans to loans | 0.1474% | 3,588 |
| Net loans and leases to total assets | 88.5981% | 36 |
| Net loans and leases to deposits | 141.9121% | 26 |
| Net loans and leases to core deposits | 180.5522% | 50 |
| Total domestic deposits to total assets | 62.4317% | 4,870 |
| Equity capital to assets | 8.5105% | 4,109 |
| Core capital (leverage) ratio | 11.1983% | 1,586 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8068% | 697 |
| Memoranda: | ||
| Average total assets | $638,466,000 | 1,377 |
| Average earning assets | $619,316,500 | 1,339 |
| Average equity | $56,443,000 | 1,599 |
| Average total loans | $569,439,000 | 1,085 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3935% | 225 |
| Cost of funding earning assets | 1.0656% | 463 |
| Net interest margin | 4.3279% | 479 |
| Noninterest income to average assets | 0.1008% | 4,743 |
| Noninterest expense to average assets | 3.1049% | 1,219 |
| Loan and lease loss provision to assets | 0.3486% | 996 |
| Net operating income to assets | 0.5425% | 3,925 |
| Return on assets (ROA) | 0.5425% | 4,023 |
| Pretax return on assets | 0.8385% | 3,536 |
| Return on Equity (ROE) | 5.7904% | 3,643 |
| Retained earnings to average equity (ytd only) | 5.7904% | 1,904 |
| Net charge-offs to loans | 0.0611% | 1,902 |
| Credit loss provision to net charge-offs | 674.0614% | 1,018 |
| Earnings coverage of net charge-offs (x) | 22.9556% | 1,825 |
| Efficiency ratio | 72.3426% | 1,636 |
| Assets per employee ($millions) | 6.7780% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 3,636 |
| Loan loss allowance to noncurrent loans | 580.4082% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 3,459 |
| Noncurrent loans to loans | 0.1827% | 3,561 |
| Net loans and leases to total assets | 87.9894% | 46 |
| Net loans and leases to deposits | 116.1468% | 100 |
| Net loans and leases to core deposits | 151.3277% | 84 |
| Total domestic deposits to total assets | 75.7571% | 4,523 |
| Equity capital to assets | 9.2089% | 3,879 |
| Core capital (leverage) ratio | 10.3682% | 2,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8142% | 927 |
| Memoranda: | ||
| Average total assets | $566,624,000 | 1,405 |
| Average earning assets | $548,716,800 | 1,354 |
| Average equity | $53,088,000 | 1,601 |
| Average total loans | $479,232,200 | 1,183 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 241 |
| Cost of funding earning assets | 1.1337% | 465 |
| Net interest margin | 4.3478% | 532 |
| Noninterest income to average assets | 0.1146% | 4,707 |
| Noninterest expense to average assets | 3.0750% | 1,277 |
| Loan and lease loss provision to assets | 0.4784% | 640 |
| Net operating income to assets | 0.4743% | 4,103 |
| Return on assets (ROA) | 0.4743% | 4,178 |
| Pretax return on assets | 0.7704% | 3,727 |
| Return on Equity (ROE) | 5.0388% | 3,887 |
| Retained earnings to average equity (ytd only) | 5.0388% | 2,540 |
| Net charge-offs to loans | 0.0599% | 1,745 |
| Credit loss provision to net charge-offs | 956.9378% | 855 |
| Earnings coverage of net charge-offs (x) | 24.9809% | 1,739 |
| Efficiency ratio | 71.1196% | 1,740 |
| Assets per employee ($millions) | 6.9571% | 1,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0423% | 3,509 |
| Loan loss allowance to noncurrent loans | 394.0857% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 3,256 |
| Noncurrent loans to loans | 0.2645% | 3,345 |
| Net loans and leases to total assets | 88.8896% | 62 |
| Net loans and leases to deposits | 113.7910% | 171 |
| Net loans and leases to core deposits | 161.5944% | 77 |
| Total domestic deposits to total assets | 78.1165% | 4,181 |
| Equity capital to assets | 8.7585% | 4,286 |
| Core capital (leverage) ratio | 9.7962% | 2,931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3558% | 995 |
| Memoranda: | ||
| Average total assets | $557,469,000 | 1,406 |
| Average earning assets | $539,698,500 | 1,353 |
| Average equity | $52,472,000 | 1,606 |
| Average total loans | $464,920,500 | 1,197 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7360% | 217 |
| Cost of funding earning assets | 1.2387% | 449 |
| Net interest margin | 4.4973% | 506 |
| Noninterest income to average assets | 0.1870% | 4,342 |
| Noninterest expense to average assets | 3.1131% | 1,327 |
| Loan and lease loss provision to assets | 0.7450% | 346 |
| Net operating income to assets | 0.3706% | 4,289 |
| Return on assets (ROA) | 0.3706% | 4,348 |
| Pretax return on assets | 0.6813% | 3,909 |
| Return on Equity (ROE) | 3.8354% | 4,152 |
| Retained earnings to average equity (ytd only) | 3.8354% | 2,992 |
| Net charge-offs to loans | 0.1579% | 938 |
| Credit loss provision to net charge-offs | 583.0904% | 1,126 |
| Earnings coverage of net charge-offs (x) | 11.1633% | 2,109 |
| Efficiency ratio | 68.5787% | 2,158 |
| Assets per employee ($millions) | 6.8895% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,386 |
| Loan loss allowance to noncurrent loans | 164.3355% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,118 |
| Noncurrent loans to loans | 0.6306% | 2,284 |
| Net loans and leases to total assets | 88.2051% | 57 |
| Net loans and leases to deposits | 107.1006% | 288 |
| Net loans and leases to core deposits | 145.2138% | 133 |
| Total domestic deposits to total assets | 82.3572% | 3,274 |
| Equity capital to assets | 8.6458% | 4,390 |
| Core capital (leverage) ratio | 9.3247% | 3,551 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8761% | 1,278 |
| Memoranda: | ||
| Average total assets | $536,897,667 | 1,425 |
| Average earning assets | $519,596,333 | 1,376 |
| Average equity | $51,885,667 | 1,615 |
| Average total loans | $434,498,667 | 1,244 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1919% | 133 |
| Cost of funding earning assets | 1.3819% | 429 |
| Net interest margin | 4.8100% | 272 |
| Noninterest income to average assets | 0.1347% | 4,696 |
| Noninterest expense to average assets | 4.2473% | 395 |
| Loan and lease loss provision to assets | 0.8020% | 307 |
| Net operating income to assets | -0.1724% | 4,839 |
| Return on assets (ROA) | -0.1724% | 4,814 |
| Pretax return on assets | -0.2639% | 4,837 |
| Return on Equity (ROE) | -1.6757% | 4,826 |
| Retained earnings to average equity (ytd only) | -1.6757% | 4,215 |
| Net charge-offs to loans | 0.0972% | 1,102 |
| Credit loss provision to net charge-offs | 1,086.9565% | 540 |
| Earnings coverage of net charge-offs (x) | 7.2935% | 1,933 |
| Efficiency ratio | 88.7548% | 548 |
| Assets per employee ($millions) | 5.1972% | 2,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3085% | 2,104 |
| Loan loss allowance to noncurrent loans | 194.2292% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.4967% | 2,505 |
| Noncurrent loans to loans | 0.6737% | 2,309 |
| Net loans and leases to total assets | 72.7696% | 1,808 |
| Net loans and leases to deposits | 81.9791% | 2,458 |
| Net loans and leases to core deposits | 105.1904% | 1,103 |
| Total domestic deposits to total assets | 88.7660% | 771 |
| Equity capital to assets | 10.0930% | 3,692 |
| Core capital (leverage) ratio | 10.9718% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2229% | 1,548 |
| Memoranda: | ||
| Average total assets | $498,765,500 | 1,471 |
| Average earning assets | $482,246,500 | 1,417 |
| Average equity | $51,322,000 | 1,614 |
| Average total loans | $378,496,500 | 1,359 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7486% | 83 |
| Cost of funding earning assets | 1.6717% | 218 |
| Net interest margin | 5.0769% | 225 |
| Noninterest income to average assets | 0.2001% | 4,461 |
| Noninterest expense to average assets | 4.1583% | 443 |
| Loan and lease loss provision to assets | -0.0010% | 4,901 |
| Net operating income to assets | 0.6775% | 3,931 |
| Return on assets (ROA) | 0.6775% | 4,001 |
| Pretax return on assets | 0.9613% | 3,567 |
| Return on Equity (ROE) | 6.6044% | 3,705 |
| Retained earnings to average equity (ytd only) | 1.2799% | 4,281 |
| Net charge-offs to loans | 0.0161% | 3,144 |
| Credit loss provision to net charge-offs | -8.0645% | 4,107 |
| Earnings coverage of net charge-offs (x) | 76.5645% | 824 |
| Efficiency ratio | 81.2394% | 852 |
| Assets per employee ($millions) | 4.7399% | 2,910 |
| Cash dividends to net income (ytd only)* | 80.6211% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0502% | 3,214 |
| Loan loss allowance to noncurrent loans | 242.3472% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3386% | 3,060 |
| Noncurrent loans to loans | 0.4333% | 2,894 |
| Net loans and leases to total assets | 77.3114% | 1,203 |
| Net loans and leases to deposits | 95.7260% | 967 |
| Net loans and leases to core deposits | 114.1180% | 665 |
| Total domestic deposits to total assets | 80.7632% | 3,819 |
| Equity capital to assets | 10.4951% | 3,449 |
| Core capital (leverage) ratio | 11.0015% | 2,502 |
| Tier 1 risk-based capital ratio | 14.0059% | 3,273 |
| Total risk-based capital ratio | 15.1846% | 3,210 |
| Memoranda: | ||
| Average total assets | $494,336,800 | 1,441 |
| Average earning assets | $478,913,400 | 1,382 |
| Average equity | $50,708,600 | 1,577 |
| Average total loans | $386,285,200 | 1,304 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8450% | 80 |
| Cost of funding earning assets | 1.7248% | 178 |
| Net interest margin | 5.1201% | 222 |
| Noninterest income to average assets | 0.1995% | 4,519 |
| Noninterest expense to average assets | 4.1779% | 423 |
| Loan and lease loss provision to assets | -0.0013% | 5,026 |
| Net operating income to assets | 0.6948% | 4,032 |
| Return on assets (ROA) | 0.6948% | 4,088 |
| Pretax return on assets | 0.9860% | 3,634 |
| Return on Equity (ROE) | 6.8120% | 3,758 |
| Retained earnings to average equity (ytd only) | -0.3058% | 4,792 |
| Net charge-offs to loans | 0.0323% | 2,427 |
| Credit loss provision to net charge-offs | -5.3191% | 3,955 |
| Earnings coverage of net charge-offs (x) | 38.9575% | 1,396 |
| Efficiency ratio | 80.9271% | 838 |
| Assets per employee ($millions) | 4.5915% | 3,063 |
| Cash dividends to net income (ytd only)* | 104.4891% | 280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0616% | 3,222 |
| Loan loss allowance to noncurrent loans | 81.1352% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.0064% | 1,329 |
| Noncurrent loans to loans | 1.3084% | 1,181 |
| Net loans and leases to total assets | 76.0973% | 1,462 |
| Net loans and leases to deposits | 89.3859% | 1,767 |
| Net loans and leases to core deposits | 105.0064% | 1,257 |
| Total domestic deposits to total assets | 85.1335% | 2,376 |
| Equity capital to assets | 10.3275% | 3,694 |
| Core capital (leverage) ratio | 10.5270% | 3,089 |
| Tier 1 risk-based capital ratio | 13.7833% | 3,430 |
| Total risk-based capital ratio | 14.9590% | 3,381 |
| Memoranda: | ||
| Average total assets | $495,868,500 | 1,442 |
| Average earning assets | $480,651,000 | 1,385 |
| Average equity | $50,576,250 | 1,585 |
| Average total loans | $387,494,500 | 1,308 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9067% | 76 |
| Cost of funding earning assets | 1.7329% | 165 |
| Net interest margin | 5.1738% | 206 |
| Noninterest income to average assets | 0.2345% | 4,348 |
| Noninterest expense to average assets | 4.1052% | 467 |
| Loan and lease loss provision to assets | -0.0020% | 5,092 |
| Net operating income to assets | 0.8142% | 3,604 |
| Return on assets (ROA) | 0.8142% | 3,662 |
| Pretax return on assets | 1.1545% | 3,066 |
| Return on Equity (ROE) | 8.0149% | 3,287 |
| Retained earnings to average equity (ytd only) | 8.0149% | 1,387 |
| Net charge-offs to loans | 0.0102% | 2,766 |
| Credit loss provision to net charge-offs | -25.0000% | 3,784 |
| Earnings coverage of net charge-offs (x) | 143.7500% | 516 |
| Efficiency ratio | 78.0802% | 1,140 |
| Assets per employee ($millions) | 4.7084% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,342 |
| Loan loss allowance to noncurrent loans | 570.1408% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1436% | 4,045 |
| Noncurrent loans to loans | 0.1839% | 3,898 |
| Net loans and leases to total assets | 77.2788% | 1,349 |
| Net loans and leases to deposits | 89.1765% | 1,835 |
| Net loans and leases to core deposits | 104.7990% | 1,314 |
| Total domestic deposits to total assets | 86.6582% | 1,741 |
| Equity capital to assets | 10.5233% | 3,496 |
| Core capital (leverage) ratio | 10.5413% | 3,044 |
| Tier 1 risk-based capital ratio | 14.2735% | 3,176 |
| Total risk-based capital ratio | 15.4721% | 3,112 |
| Memoranda: | ||
| Average total assets | $498,925,000 | 1,434 |
| Average earning assets | $484,402,000 | 1,373 |
| Average equity | $50,680,330 | 1,572 |
| Average total loans | $391,879,670 | 1,303 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7668% | 89 |
| Cost of funding earning assets | 1.6681% | 175 |
| Net interest margin | 5.0987% | 246 |
| Noninterest income to average assets | 0.2953% | 3,901 |
| Noninterest expense to average assets | 4.0503% | 500 |
| Loan and lease loss provision to assets | 0.0559% | 2,552 |
| Net operating income to assets | 0.8085% | 3,587 |
| Return on assets (ROA) | 0.8085% | 3,625 |
| Pretax return on assets | 1.1437% | 2,998 |
| Return on Equity (ROE) | 8.1027% | 3,221 |
| Retained earnings to average equity (ytd only) | 8.1027% | 1,619 |
| Net charge-offs to loans | 0.0081% | 2,399 |
| Credit loss provision to net charge-offs | 875.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 187.8750% | 414 |
| Efficiency ratio | 77.1511% | 1,366 |
| Assets per employee ($millions) | 4.7824% | 2,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0436% | 3,438 |
| Loan loss allowance to noncurrent loans | 516.2297% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 4,012 |
| Noncurrent loans to loans | 0.2022% | 3,867 |
| Net loans and leases to total assets | 78.0799% | 1,130 |
| Net loans and leases to deposits | 90.8249% | 1,525 |
| Net loans and leases to core deposits | 109.1658% | 974 |
| Total domestic deposits to total assets | 85.9675% | 2,294 |
| Equity capital to assets | 10.0901% | 3,728 |
| Core capital (leverage) ratio | 10.2982% | 3,278 |
| Tier 1 risk-based capital ratio | 13.5767% | 3,568 |
| Total risk-based capital ratio | 14.7550% | 3,511 |
| Memoranda: | ||
| Average total assets | $501,197,500 | 1,432 |
| Average earning assets | $487,025,500 | 1,372 |
| Average equity | $50,008,000 | 1,577 |
| Average total loans | $394,770,000 | 1,294 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6640% | 76 |
| Cost of funding earning assets | 1.3395% | 186 |
| Net interest margin | 5.3244% | 152 |
| Noninterest income to average assets | 0.3807% | 3,549 |
| Noninterest expense to average assets | 4.1055% | 465 |
| Loan and lease loss provision to assets | 0.0049% | 4,014 |
| Net operating income to assets | 1.0132% | 2,954 |
| Return on assets (ROA) | 1.0132% | 2,934 |
| Pretax return on assets | 1.4458% | 1,967 |
| Return on Equity (ROE) | 9.5523% | 2,724 |
| Retained earnings to average equity (ytd only) | -9.0355% | 5,307 |
| Net charge-offs to loans | -0.1307% | 5,201 |
| Credit loss provision to net charge-offs | -4.8077% | 4,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8902% | 1,639 |
| Assets per employee ($millions) | 4.7192% | 2,844 |
| Cash dividends to net income (ytd only)* | 194.5904% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0353% | 3,467 |
| Loan loss allowance to noncurrent loans | 388.9207% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 3,784 |
| Noncurrent loans to loans | 0.2662% | 3,624 |
| Net loans and leases to total assets | 77.8128% | 1,299 |
| Net loans and leases to deposits | 90.4528% | 1,740 |
| Net loans and leases to core deposits | 104.9025% | 1,351 |
| Total domestic deposits to total assets | 86.0259% | 2,215 |
| Equity capital to assets | 9.8649% | 3,799 |
| Core capital (leverage) ratio | 9.7779% | 3,827 |
| Tier 1 risk-based capital ratio | 13.4339% | 3,590 |
| Total risk-based capital ratio | 14.6148% | 3,518 |
| Memoranda: | ||
| Average total assets | $507,191,600 | 1,394 |
| Average earning assets | $493,009,600 | 1,332 |
| Average equity | $53,798,800 | 1,430 |
| Average total loans | $397,983,400 | 1,262 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5238% | 86 |
| Cost of funding earning assets | 1.2583% | 185 |
| Net interest margin | 5.2655% | 159 |
| Noninterest income to average assets | 0.3479% | 3,814 |
| Noninterest expense to average assets | 4.1393% | 433 |
| Loan and lease loss provision to assets | 0.0065% | 3,844 |
| Net operating income to assets | 0.9261% | 3,403 |
| Return on assets (ROA) | 0.9261% | 3,412 |
| Pretax return on assets | 1.3193% | 2,547 |
| Return on Equity (ROE) | 8.5833% | 3,298 |
| Retained earnings to average equity (ytd only) | 8.5833% | 1,382 |
| Net charge-offs to loans | -0.0598% | 4,996 |
| Credit loss provision to net charge-offs | -13.9665% | 4,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7394% | 1,384 |
| Assets per employee ($millions) | 4.6295% | 2,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9279% | 4,145 |
| Loan loss allowance to noncurrent loans | 507.6190% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1430% | 4,235 |
| Noncurrent loans to loans | 0.1828% | 4,069 |
| Net loans and leases to total assets | 77.5204% | 1,411 |
| Net loans and leases to deposits | 90.2468% | 1,864 |
| Net loans and leases to core deposits | 104.3431% | 1,433 |
| Total domestic deposits to total assets | 85.8983% | 2,242 |
| Equity capital to assets | 11.1470% | 2,521 |
| Core capital (leverage) ratio | 11.1924% | 2,423 |
| Tier 1 risk-based capital ratio | 15.3022% | 2,740 |
| Total risk-based capital ratio | 16.3977% | 2,737 |
| Memoranda: | ||
| Average total assets | $508,929,750 | 1,389 |
| Average earning assets | $494,606,250 | 1,325 |
| Average equity | $54,911,500 | 1,423 |
| Average total loans | $399,148,750 | 1,262 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4231% | 83 |
| Cost of funding earning assets | 1.1751% | 200 |
| Net interest margin | 5.2480% | 155 |
| Noninterest income to average assets | 0.3052% | 4,133 |
| Noninterest expense to average assets | 4.2119% | 404 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8414% | 3,711 |
| Return on assets (ROA) | 0.8414% | 3,711 |
| Pretax return on assets | 1.1942% | 2,964 |
| Return on Equity (ROE) | 7.8860% | 3,549 |
| Retained earnings to average equity (ytd only) | 7.8860% | 1,674 |
| Net charge-offs to loans | -0.0673% | 5,026 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9099% | 1,209 |
| Assets per employee ($millions) | 4.7999% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9127% | 4,280 |
| Loan loss allowance to noncurrent loans | 471.7784% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,229 |
| Noncurrent loans to loans | 0.1935% | 4,032 |
| Net loans and leases to total assets | 78.1210% | 1,291 |
| Net loans and leases to deposits | 88.5146% | 2,046 |
| Net loans and leases to core deposits | 100.4049% | 1,702 |
| Total domestic deposits to total assets | 88.2577% | 1,244 |
| Equity capital to assets | 10.9150% | 2,719 |
| Core capital (leverage) ratio | 10.7235% | 2,778 |
| Tier 1 risk-based capital ratio | 15.6282% | 2,577 |
| Total risk-based capital ratio | 16.7628% | 2,575 |
| Memoranda: | ||
| Average total assets | $507,279,670 | 1,395 |
| Average earning assets | $493,065,330 | 1,329 |
| Average equity | $54,121,330 | 1,440 |
| Average total loans | $398,167,330 | 1,261 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2929% | 94 |
| Cost of funding earning assets | 1.0980% | 234 |
| Net interest margin | 5.1949% | 161 |
| Noninterest income to average assets | 0.1919% | 4,872 |
| Noninterest expense to average assets | 4.4160% | 321 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5804% | 4,482 |
| Return on assets (ROA) | 0.5804% | 4,491 |
| Pretax return on assets | 0.8237% | 4,095 |
| Return on Equity (ROE) | 5.5041% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.5041% | 2,947 |
| Net charge-offs to loans | -0.0474% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2803% | 778 |
| Assets per employee ($millions) | 4.5144% | 3,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 4,401 |
| Loan loss allowance to noncurrent loans | 509.1168% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 4,395 |
| Noncurrent loans to loans | 0.1789% | 4,165 |
| Net loans and leases to total assets | 76.8995% | 1,400 |
| Net loans and leases to deposits | 86.6464% | 2,087 |
| Net loans and leases to core deposits | 101.9482% | 1,533 |
| Total domestic deposits to total assets | 88.7510% | 1,234 |
| Equity capital to assets | 10.6697% | 2,897 |
| Core capital (leverage) ratio | 10.5982% | 2,852 |
| Tier 1 risk-based capital ratio | 15.3373% | 2,722 |
| Total risk-based capital ratio | 16.4600% | 2,719 |
| Memoranda: | ||
| Average total assets | $506,523,000 | 1,408 |
| Average earning assets | $492,173,000 | 1,344 |
| Average equity | $53,414,500 | 1,457 |
| Average total loans | $396,683,500 | 1,269 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3733% | 87 |
| Cost of funding earning assets | 0.9307% | 320 |
| Net interest margin | 5.4426% | 115 |
| Noninterest income to average assets | 0.4665% | 3,212 |
| Noninterest expense to average assets | 4.6552% | 276 |
| Loan and lease loss provision to assets | 0.0241% | 3,815 |
| Net operating income to assets | 0.5941% | 4,033 |
| Return on assets (ROA) | 0.5942% | 4,076 |
| Pretax return on assets | 1.0664% | 3,314 |
| Return on Equity (ROE) | 5.5689% | 3,937 |
| Retained earnings to average equity (ytd only) | 5.5689% | 1,789 |
| Net charge-offs to loans | 0.1040% | 2,024 |
| Credit loss provision to net charge-offs | 29.3399% | 3,543 |
| Earnings coverage of net charge-offs (x) | 13.2616% | 2,412 |
| Efficiency ratio | 81.0237% | 1,015 |
| Assets per employee ($millions) | 4.4125% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8796% | 4,560 |
| Loan loss allowance to noncurrent loans | 292.2121% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.2379% | 3,951 |
| Noncurrent loans to loans | 0.3010% | 3,699 |
| Net loans and leases to total assets | 78.3260% | 1,246 |
| Net loans and leases to deposits | 88.2727% | 1,987 |
| Net loans and leases to core deposits | 105.3944% | 1,312 |
| Total domestic deposits to total assets | 88.7318% | 1,127 |
| Equity capital to assets | 10.4214% | 3,240 |
| Core capital (leverage) ratio | 9.8506% | 3,638 |
| Tier 1 risk-based capital ratio | 15.0057% | 2,853 |
| Total risk-based capital ratio | 16.1023% | 2,845 |
| Memoranda: | ||
| Average total assets | $497,484,200 | 1,411 |
| Average earning assets | $482,528,800 | 1,353 |
| Average equity | $53,080,200 | 1,453 |
| Average total loans | $393,376,400 | 1,252 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2914% | 93 |
| Cost of funding earning assets | 0.8622% | 428 |
| Net interest margin | 5.4292% | 113 |
| Noninterest income to average assets | 0.5767% | 2,597 |
| Noninterest expense to average assets | 4.5634% | 302 |
| Loan and lease loss provision to assets | 0.0323% | 3,476 |
| Net operating income to assets | 0.7249% | 3,848 |
| Return on assets (ROA) | 0.7251% | 3,912 |
| Pretax return on assets | 1.2458% | 2,732 |
| Return on Equity (ROE) | 6.7556% | 3,787 |
| Retained earnings to average equity (ytd only) | 6.7556% | 1,820 |
| Net charge-offs to loans | 0.1335% | 1,460 |
| Credit loss provision to net charge-offs | 30.6122% | 3,073 |
| Earnings coverage of net charge-offs (x) | 12.1021% | 2,451 |
| Efficiency ratio | 78.1241% | 1,321 |
| Assets per employee ($millions) | 4.2789% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 4,690 |
| Loan loss allowance to noncurrent loans | 115.0276% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.6000% | 2,718 |
| Noncurrent loans to loans | 0.7561% | 2,469 |
| Net loans and leases to total assets | 78.6728% | 1,167 |
| Net loans and leases to deposits | 88.9291% | 1,937 |
| Net loans and leases to core deposits | 110.8913% | 983 |
| Total domestic deposits to total assets | 88.4669% | 1,140 |
| Equity capital to assets | 10.6845% | 3,178 |
| Core capital (leverage) ratio | 10.6147% | 2,861 |
| Tier 1 risk-based capital ratio | 15.3967% | 2,749 |
| Total risk-based capital ratio | 16.4688% | 2,759 |
| Memoranda: | ||
| Average total assets | $494,995,750 | 1,424 |
| Average earning assets | $479,986,250 | 1,366 |
| Average equity | $53,129,750 | 1,458 |
| Average total loans | $391,474,750 | 1,264 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2113% | 101 |
| Cost of funding earning assets | 0.7842% | 568 |
| Net interest margin | 5.4271% | 116 |
| Noninterest income to average assets | 0.3817% | 3,820 |
| Noninterest expense to average assets | 4.5896% | 289 |
| Loan and lease loss provision to assets | 0.0245% | 3,512 |
| Net operating income to assets | 0.5987% | 4,311 |
| Return on assets (ROA) | 0.5990% | 4,352 |
| Pretax return on assets | 1.0290% | 3,451 |
| Return on Equity (ROE) | 5.5716% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.5716% | 2,371 |
| Net charge-offs to loans | 0.1694% | 1,150 |
| Credit loss provision to net charge-offs | 18.3486% | 2,798 |
| Earnings coverage of net charge-offs (x) | 7.8716% | 2,567 |
| Efficiency ratio | 81.3370% | 1,070 |
| Assets per employee ($millions) | 4.1335% | 3,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9024% | 4,633 |
| Loan loss allowance to noncurrent loans | 220.8463% | 2,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 3,850 |
| Noncurrent loans to loans | 0.4086% | 3,560 |
| Net loans and leases to total assets | 77.2856% | 1,350 |
| Net loans and leases to deposits | 87.1991% | 2,080 |
| Net loans and leases to core deposits | 109.9505% | 1,006 |
| Total domestic deposits to total assets | 88.6312% | 1,140 |
| Equity capital to assets | 10.6627% | 3,159 |
| Core capital (leverage) ratio | 10.9628% | 2,450 |
| Tier 1 risk-based capital ratio | 16.0281% | 2,492 |
| Total risk-based capital ratio | 17.1665% | 2,478 |
| Memoranda: | ||
| Average total assets | $488,840,330 | 1,446 |
| Average earning assets | $473,881,000 | 1,387 |
| Average equity | $52,552,670 | 1,476 |
| Average total loans | $386,133,330 | 1,281 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1860% | 99 |
| Cost of funding earning assets | 0.7503% | 647 |
| Net interest margin | 5.4357% | 117 |
| Noninterest income to average assets | 0.1771% | 5,216 |
| Noninterest expense to average assets | 4.8047% | 271 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3708% | 5,022 |
| Return on assets (ROA) | 0.3708% | 5,044 |
| Pretax return on assets | 0.6369% | 4,638 |
| Return on Equity (ROE) | 3.4345% | 4,983 |
| Retained earnings to average equity (ytd only) | 3.4345% | 3,725 |
| Net charge-offs to loans | -0.0052% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2964% | 646 |
| Assets per employee ($millions) | 4.0055% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9959% | 4,318 |
| Loan loss allowance to noncurrent loans | 153.8245% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.5168% | 3,163 |
| Noncurrent loans to loans | 0.6475% | 2,887 |
| Net loans and leases to total assets | 79.0238% | 979 |
| Net loans and leases to deposits | 89.1818% | 1,646 |
| Net loans and leases to core deposits | 112.9060% | 732 |
| Total domestic deposits to total assets | 88.6098% | 1,369 |
| Equity capital to assets | 10.8938% | 2,747 |
| Core capital (leverage) ratio | 10.8475% | 2,544 |
| Tier 1 risk-based capital ratio | 16.4549% | 2,376 |
| Total risk-based capital ratio | 17.7054% | 2,323 |
| Memoranda: | ||
| Average total assets | $481,114,000 | 1,471 |
| Average earning assets | $465,958,000 | 1,417 |
| Average equity | $51,943,500 | 1,487 |
| Average total loans | $382,552,500 | 1,297 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9798% | 129 |
| Cost of funding earning assets | 0.6802% | 906 |
| Net interest margin | 5.2996% | 150 |
| Noninterest income to average assets | 0.6535% | 2,405 |
| Noninterest expense to average assets | 4.0472% | 564 |
| Loan and lease loss provision to assets | 0.0470% | 3,450 |
| Net operating income to assets | 0.9870% | 2,403 |
| Return on assets (ROA) | 0.9870% | 2,507 |
| Pretax return on assets | 1.6960% | 1,009 |
| Return on Equity (ROE) | 9.5177% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.5177% | 495 |
| Net charge-offs to loans | 0.0689% | 2,712 |
| Credit loss provision to net charge-offs | 89.0688% | 2,815 |
| Earnings coverage of net charge-offs (x) | 33.0081% | 1,348 |
| Efficiency ratio | 69.8974% | 2,918 |
| Assets per employee ($millions) | 4.0468% | 3,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 4,322 |
| Loan loss allowance to noncurrent loans | 212.4096% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 3,789 |
| Noncurrent loans to loans | 0.4711% | 3,460 |
| Net loans and leases to total assets | 78.4170% | 1,143 |
| Net loans and leases to deposits | 88.7076% | 1,842 |
| Net loans and leases to core deposits | 112.4889% | 759 |
| Total domestic deposits to total assets | 88.3994% | 1,436 |
| Equity capital to assets | 10.6994% | 2,924 |
| Core capital (leverage) ratio | 10.7614% | 2,579 |
| Tier 1 risk-based capital ratio | 16.2983% | 2,429 |
| Total risk-based capital ratio | 17.5487% | 2,364 |
| Memoranda: | ||
| Average total assets | $467,761,000 | 1,459 |
| Average earning assets | $453,378,000 | 1,412 |
| Average equity | $48,509,600 | 1,564 |
| Average total loans | $358,267,800 | 1,310 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9312% | 133 |
| Cost of funding earning assets | 0.6733% | 932 |
| Net interest margin | 5.2579% | 154 |
| Noninterest income to average assets | 0.7926% | 1,793 |
| Noninterest expense to average assets | 4.0334% | 562 |
| Loan and lease loss provision to assets | 0.0488% | 3,269 |
| Net operating income to assets | 1.0530% | 2,187 |
| Return on assets (ROA) | 1.0530% | 2,310 |
| Pretax return on assets | 1.8094% | 885 |
| Return on Equity (ROE) | 10.2380% | 1,951 |
| Retained earnings to average equity (ytd only) | 10.2380% | 530 |
| Net charge-offs to loans | 0.0359% | 2,910 |
| Credit loss provision to net charge-offs | 178.9474% | 1,566 |
| Earnings coverage of net charge-offs (x) | 68.1176% | 870 |
| Efficiency ratio | 68.4603% | 3,144 |
| Assets per employee ($millions) | 4.2161% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0660% | 4,046 |
| Loan loss allowance to noncurrent loans | 218.0301% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 3,884 |
| Noncurrent loans to loans | 0.4889% | 3,537 |
| Net loans and leases to total assets | 77.7016% | 1,248 |
| Net loans and leases to deposits | 87.8589% | 2,036 |
| Net loans and leases to core deposits | 110.6242% | 878 |
| Total domestic deposits to total assets | 88.4390% | 1,174 |
| Equity capital to assets | 10.7533% | 3,307 |
| Core capital (leverage) ratio | 10.4354% | 3,062 |
| Tier 1 risk-based capital ratio | 16.3559% | 2,468 |
| Total risk-based capital ratio | 17.6072% | 2,424 |
| Memoranda: | ||
| Average total assets | $464,309,250 | 1,469 |
| Average earning assets | $450,286,500 | 1,417 |
| Average equity | $47,755,750 | 1,589 |
| Average total loans | $352,472,750 | 1,328 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7570% | 174 |
| Cost of funding earning assets | 0.6583% | 1,007 |
| Net interest margin | 5.0987% | 209 |
| Noninterest income to average assets | 0.4772% | 3,355 |
| Noninterest expense to average assets | 4.0705% | 550 |
| Loan and lease loss provision to assets | 0.0518% | 3,111 |
| Net operating income to assets | 0.7580% | 3,514 |
| Return on assets (ROA) | 0.7580% | 3,659 |
| Pretax return on assets | 1.3026% | 2,399 |
| Return on Equity (ROE) | 7.4841% | 3,272 |
| Retained earnings to average equity (ytd only) | 7.4841% | 1,390 |
| Net charge-offs to loans | 0.0725% | 2,145 |
| Credit loss provision to net charge-offs | 95.2381% | 2,180 |
| Earnings coverage of net charge-offs (x) | 24.8889% | 1,526 |
| Efficiency ratio | 75.0338% | 2,217 |
| Assets per employee ($millions) | 4.2585% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0352% | 4,318 |
| Loan loss allowance to noncurrent loans | 202.5871% | 2,260 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 3,875 |
| Noncurrent loans to loans | 0.5110% | 3,553 |
| Net loans and leases to total assets | 78.3095% | 1,161 |
| Net loans and leases to deposits | 87.9278% | 2,007 |
| Net loans and leases to core deposits | 110.8645% | 884 |
| Total domestic deposits to total assets | 89.0611% | 889 |
| Equity capital to assets | 10.2794% | 3,886 |
| Core capital (leverage) ratio | 10.2790% | 3,230 |
| Tier 1 risk-based capital ratio | 16.0886% | 2,597 |
| Total risk-based capital ratio | 17.3400% | 2,543 |
| Memoranda: | ||
| Average total assets | $463,083,000 | 1,485 |
| Average earning assets | $449,368,330 | 1,426 |
| Average equity | $46,899,670 | 1,617 |
| Average total loans | $347,446,330 | 1,344 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6254% | 215 |
| Cost of funding earning assets | 0.6574% | 1,014 |
| Net interest margin | 4.9680% | 268 |
| Noninterest income to average assets | 0.2528% | 4,939 |
| Noninterest expense to average assets | 4.2258% | 483 |
| Loan and lease loss provision to assets | 0.0521% | 2,894 |
| Net operating income to assets | 0.4622% | 4,776 |
| Return on assets (ROA) | 0.4622% | 4,859 |
| Pretax return on assets | 0.7941% | 4,213 |
| Return on Equity (ROE) | 4.5988% | 4,659 |
| Retained earnings to average equity (ytd only) | 4.5988% | 3,175 |
| Net charge-offs to loans | 0.2287% | 893 |
| Credit loss provision to net charge-offs | 31.2500% | 2,214 |
| Earnings coverage of net charge-offs (x) | 5.0729% | 2,365 |
| Efficiency ratio | 83.3162% | 1,221 |
| Assets per employee ($millions) | 4.4549% | 3,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 4,230 |
| Loan loss allowance to noncurrent loans | 107.6588% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 2,872 |
| Noncurrent loans to loans | 0.9933% | 2,400 |
| Net loans and leases to total assets | 73.3927% | 1,821 |
| Net loans and leases to deposits | 82.0581% | 2,536 |
| Net loans and leases to core deposits | 103.4806% | 1,224 |
| Total domestic deposits to total assets | 89.4399% | 864 |
| Equity capital to assets | 9.9771% | 4,104 |
| Core capital (leverage) ratio | 9.8066% | 3,763 |
| Tier 1 risk-based capital ratio | 16.8702% | 2,337 |
| Total risk-based capital ratio | 18.1225% | 2,277 |
| Memoranda: | ||
| Average total assets | $460,404,500 | 1,491 |
| Average earning assets | $446,619,500 | 1,434 |
| Average equity | $46,273,000 | 1,630 |
| Average total loans | $335,834,500 | 1,378 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8616% | 156 |
| Cost of funding earning assets | 0.5761% | 1,539 |
| Net interest margin | 5.2855% | 169 |
| Noninterest income to average assets | 0.7182% | 2,110 |
| Noninterest expense to average assets | 3.7185% | 955 |
| Loan and lease loss provision to assets | 0.0286% | 3,797 |
| Net operating income to assets | 1.2138% | 1,505 |
| Return on assets (ROA) | 1.2144% | 1,571 |
| Pretax return on assets | 2.0867% | 448 |
| Return on Equity (ROE) | 11.6280% | 1,403 |
| Retained earnings to average equity (ytd only) | 11.6280% | 279 |
| Net charge-offs to loans | 0.0013% | 4,435 |
| Credit loss provision to net charge-offs | 3,000.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 2,216.7500% | 15 |
| Efficiency ratio | 63.7505% | 4,321 |
| Assets per employee ($millions) | 4.4856% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 3,571 |
| Loan loss allowance to noncurrent loans | 90.9586% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 0.9326% | 2,333 |
| Noncurrent loans to loans | 1.3014% | 1,813 |
| Net loans and leases to total assets | 70.8121% | 2,245 |
| Net loans and leases to deposits | 79.6759% | 2,858 |
| Net loans and leases to core deposits | 105.2460% | 1,150 |
| Total domestic deposits to total assets | 88.8751% | 1,190 |
| Equity capital to assets | 10.1263% | 3,834 |
| Core capital (leverage) ratio | 10.6607% | 2,760 |
| Tier 1 risk-based capital ratio | 17.5418% | 2,111 |
| Total risk-based capital ratio | 18.7958% | 2,062 |
| Memoranda: | ||
| Average total assets | $419,368,200 | 1,579 |
| Average earning assets | $405,810,600 | 1,513 |
| Average equity | $43,799,400 | 1,680 |
| Average total loans | $310,690,200 | 1,426 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8948% | 151 |
| Cost of funding earning assets | 0.5727% | 1,597 |
| Net interest margin | 5.3221% | 163 |
| Noninterest income to average assets | 0.3682% | 4,294 |
| Noninterest expense to average assets | 3.6017% | 1,118 |
| Loan and lease loss provision to assets | 0.0292% | 3,656 |
| Net operating income to assets | 1.0964% | 2,026 |
| Return on assets (ROA) | 1.0973% | 2,102 |
| Pretax return on assets | 1.8853% | 748 |
| Return on Equity (ROE) | 10.4187% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.4187% | 567 |
| Net charge-offs to loans | -0.0182% | 5,175 |
| Credit loss provision to net charge-offs | -214.2857% | 5,187 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3077% | 4,010 |
| Assets per employee ($millions) | 4.9916% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 4,010 |
| Loan loss allowance to noncurrent loans | 98.9234% | 3,697 |
| Noncurrent assets plus other real estate owned to assets | 0.8881% | 2,651 |
| Noncurrent loans to loans | 1.1503% | 2,212 |
| Net loans and leases to total assets | 76.3279% | 1,346 |
| Net loans and leases to deposits | 87.6493% | 1,951 |
| Net loans and leases to core deposits | 128.2979% | 304 |
| Total domestic deposits to total assets | 87.0832% | 1,993 |
| Equity capital to assets | 10.0005% | 4,146 |
| Core capital (leverage) ratio | 9.9588% | 3,696 |
| Tier 1 risk-based capital ratio | 16.6045% | 2,524 |
| Total risk-based capital ratio | 17.8581% | 2,479 |
| Memoranda: | ||
| Average total assets | $410,948,500 | 1,613 |
| Average earning assets | $397,405,000 | 1,552 |
| Average equity | $43,280,000 | 1,707 |
| Average total loans | $307,199,000 | 1,448 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9027% | 148 |
| Cost of funding earning assets | 0.5585% | 1,749 |
| Net interest margin | 5.3442% | 157 |
| Noninterest income to average assets | 0.3816% | 4,224 |
| Noninterest expense to average assets | 3.5112% | 1,285 |
| Loan and lease loss provision to assets | 0.0448% | 3,214 |
| Net operating income to assets | 1.1596% | 1,746 |
| Return on assets (ROA) | 1.1596% | 1,817 |
| Pretax return on assets | 1.9925% | 602 |
| Return on Equity (ROE) | 10.8118% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.8118% | 530 |
| Net charge-offs to loans | -0.0560% | 5,583 |
| Credit loss provision to net charge-offs | -108.4337% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2822% | 4,470 |
| Assets per employee ($millions) | 4.6773% | 2,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 3,599 |
| Loan loss allowance to noncurrent loans | 92.8129% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.0209% | 2,466 |
| Noncurrent loans to loans | 1.3298% | 2,022 |
| Net loans and leases to total assets | 75.8220% | 1,388 |
| Net loans and leases to deposits | 87.5528% | 1,886 |
| Net loans and leases to core deposits | 142.3543% | 151 |
| Total domestic deposits to total assets | 86.6015% | 2,375 |
| Equity capital to assets | 10.3523% | 3,613 |
| Core capital (leverage) ratio | 10.7324% | 2,697 |
| Tier 1 risk-based capital ratio | 16.7489% | 2,507 |
| Total risk-based capital ratio | 18.0034% | 2,458 |
| Memoranda: | ||
| Average total assets | $401,511,670 | 1,665 |
| Average earning assets | $388,194,000 | 1,592 |
| Average equity | $43,064,000 | 1,724 |
| Average total loans | $296,553,330 | 1,495 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8824% | 150 |
| Cost of funding earning assets | 0.5605% | 1,747 |
| Net interest margin | 5.3219% | 151 |
| Noninterest income to average assets | 0.4369% | 3,715 |
| Noninterest expense to average assets | 3.4747% | 1,365 |
| Loan and lease loss provision to assets | 0.0404% | 3,105 |
| Net operating income to assets | 1.2077% | 1,526 |
| Return on assets (ROA) | 1.2077% | 1,617 |
| Pretax return on assets | 2.0753% | 510 |
| Return on Equity (ROE) | 11.0600% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.0600% | 712 |
| Net charge-offs to loans | 0.1283% | 1,489 |
| Credit loss provision to net charge-offs | 43.4783% | 2,159 |
| Earnings coverage of net charge-offs (x) | 22.7935% | 1,341 |
| Efficiency ratio | 62.1548% | 4,773 |
| Assets per employee ($millions) | 5.0738% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2593% | 3,638 |
| Loan loss allowance to noncurrent loans | 1,110.2719% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 5,603 |
| Noncurrent loans to loans | 0.1134% | 5,356 |
| Net loans and leases to total assets | 73.7585% | 1,542 |
| Net loans and leases to deposits | 86.1884% | 1,810 |
| Net loans and leases to core deposits | 156.9478% | 84 |
| Total domestic deposits to total assets | 85.5782% | 3,142 |
| Equity capital to assets | 11.2379% | 2,711 |
| Core capital (leverage) ratio | 10.8710% | 2,550 |
| Tier 1 risk-based capital ratio | 17.6437% | 2,253 |
| Total risk-based capital ratio | 18.8974% | 2,213 |
| Memoranda: | ||
| Average total assets | $396,468,500 | 1,688 |
| Average earning assets | $383,922,500 | 1,617 |
| Average equity | $43,291,000 | 1,718 |
| Average total loans | $286,839,000 | 1,531 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0597% | 143 |
| Cost of funding earning assets | 0.5624% | 2,124 |
| Net interest margin | 5.4973% | 134 |
| Noninterest income to average assets | 1.0733% | 1,055 |
| Noninterest expense to average assets | 3.6866% | 1,177 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.5690% | 758 |
| Return on assets (ROA) | 1.5690% | 791 |
| Pretax return on assets | 2.6943% | 151 |
| Return on Equity (ROE) | 13.7738% | 975 |
| Retained earnings to average equity (ytd only) | 13.7738% | 188 |
| Net charge-offs to loans | 0.0532% | 3,765 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 66.5175% | 735 |
| Efficiency ratio | 57.7751% | 5,483 |
| Assets per employee ($millions) | 5.5103% | 1,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,305 |
| Loan loss allowance to noncurrent loans | 350.9416% | 1,425 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 4,972 |
| Noncurrent loans to loans | 0.3768% | 4,510 |
| Net loans and leases to total assets | 69.1389% | 2,376 |
| Net loans and leases to deposits | 80.7041% | 2,639 |
| Net loans and leases to core deposits | 100.9847% | 1,320 |
| Total domestic deposits to total assets | 85.6696% | 3,000 |
| Equity capital to assets | 10.6095% | 3,349 |
| Core capital (leverage) ratio | 11.3536% | 2,087 |
| Tier 1 risk-based capital ratio | 17.4625% | 2,330 |
| Total risk-based capital ratio | 18.7170% | 2,294 |
| Memoranda: | ||
| Average total assets | $353,036,800 | 1,846 |
| Average earning assets | $340,859,200 | 1,753 |
| Average equity | $40,214,000 | 1,773 |
| Average total loans | $268,593,000 | 1,584 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1564% | 134 |
| Cost of funding earning assets | 0.5735% | 2,075 |
| Net interest margin | 5.5828% | 123 |
| Noninterest income to average assets | 1.2545% | 770 |
| Noninterest expense to average assets | 3.6943% | 1,134 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7190% | 595 |
| Return on assets (ROA) | 1.7190% | 619 |
| Pretax return on assets | 2.9422% | 122 |
| Return on Equity (ROE) | 14.7915% | 864 |
| Retained earnings to average equity (ytd only) | 14.7915% | 216 |
| Net charge-offs to loans | 0.1111% | 2,690 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 34.0225% | 1,261 |
| Efficiency ratio | 55.6663% | 5,686 |
| Assets per employee ($millions) | 4.9113% | 2,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3434% | 3,428 |
| Loan loss allowance to noncurrent loans | 239.5929% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 4,606 |
| Noncurrent loans to loans | 0.5607% | 4,236 |
| Net loans and leases to total assets | 76.8517% | 1,116 |
| Net loans and leases to deposits | 91.2646% | 1,297 |
| Net loans and leases to core deposits | 113.5065% | 601 |
| Total domestic deposits to total assets | 84.2076% | 3,682 |
| Equity capital to assets | 12.1081% | 1,971 |
| Core capital (leverage) ratio | 12.4131% | 1,451 |
| Tier 1 risk-based capital ratio | 18.2671% | 2,126 |
| Total risk-based capital ratio | 19.5222% | 2,088 |
| Memoranda: | ||
| Average total assets | $340,733,250 | 1,917 |
| Average earning assets | $328,476,000 | 1,835 |
| Average equity | $39,598,250 | 1,802 |
| Average total loans | $265,281,500 | 1,608 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0187% | 145 |
| Cost of funding earning assets | 0.5888% | 1,990 |
| Net interest margin | 5.4299% | 146 |
| Noninterest income to average assets | 0.5407% | 3,203 |
| Noninterest expense to average assets | 3.7074% | 1,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1997% | 1,588 |
| Return on assets (ROA) | 1.1997% | 1,658 |
| Pretax return on assets | 2.0599% | 477 |
| Return on Equity (ROE) | 10.4741% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.4741% | 619 |
| Net charge-offs to loans | 0.1687% | 2,043 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 15.6847% | 1,834 |
| Efficiency ratio | 64.2835% | 4,648 |
| Assets per employee ($millions) | 4.5614% | 2,822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 3,785 |
| Loan loss allowance to noncurrent loans | 295.6240% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 4,929 |
| Noncurrent loans to loans | 0.4440% | 4,651 |
| Net loans and leases to total assets | 81.2616% | 548 |
| Net loans and leases to deposits | 96.2678% | 784 |
| Net loans and leases to core deposits | 119.9348% | 381 |
| Total domestic deposits to total assets | 84.4120% | 3,767 |
| Equity capital to assets | 11.7956% | 2,160 |
| Core capital (leverage) ratio | 11.4615% | 2,038 |
| Tier 1 risk-based capital ratio | 17.8949% | 2,277 |
| Total risk-based capital ratio | 19.1508% | 2,244 |
| Memoranda: | ||
| Average total assets | $338,077,670 | 1,931 |
| Average earning assets | $325,421,330 | 1,848 |
| Average equity | $38,724,000 | 1,825 |
| Average total loans | $263,165,000 | 1,614 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7595% | 199 |
| Cost of funding earning assets | 0.5928% | 2,039 |
| Net interest margin | 5.1667% | 196 |
| Noninterest income to average assets | 0.5533% | 3,027 |
| Noninterest expense to average assets | 3.6519% | 1,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0865% | 1,867 |
| Return on assets (ROA) | 1.0865% | 1,932 |
| Pretax return on assets | 1.8679% | 700 |
| Return on Equity (ROE) | 9.6285% | 2,190 |
| Retained earnings to average equity (ytd only) | 9.6285% | 1,070 |
| Net charge-offs to loans | -0.0641% | 5,924 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1598% | 4,505 |
| Assets per employee ($millions) | 5.0328% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 3,174 |
| Loan loss allowance to noncurrent loans | 728.1192% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 5,774 |
| Noncurrent loans to loans | 0.2049% | 5,482 |
| Net loans and leases to total assets | 75.4531% | 1,063 |
| Net loans and leases to deposits | 88.5301% | 1,302 |
| Net loans and leases to core deposits | 114.1561% | 461 |
| Total domestic deposits to total assets | 85.2288% | 3,758 |
| Equity capital to assets | 11.2989% | 2,427 |
| Core capital (leverage) ratio | 11.5300% | 1,944 |
| Tier 1 risk-based capital ratio | 18.0726% | 2,267 |
| Total risk-based capital ratio | 19.3309% | 2,238 |
| Memoranda: | ||
| Average total assets | $338,345,500 | 1,940 |
| Average earning assets | $325,235,000 | 1,853 |
| Average equity | $38,178,500 | 1,844 |
| Average total loans | $255,777,500 | 1,661 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7532% | 248 |
| Cost of funding earning assets | 0.6799% | 1,960 |
| Net interest margin | 5.0733% | 275 |
| Noninterest income to average assets | 1.7613% | 482 |
| Noninterest expense to average assets | 3.6526% | 1,369 |
| Loan and lease loss provision to assets | 0.2022% | 1,844 |
| Net operating income to assets | 1.6156% | 666 |
| Return on assets (ROA) | 1.6144% | 687 |
| Pretax return on assets | 2.7749% | 152 |
| Return on Equity (ROE) | 14.3149% | 884 |
| Retained earnings to average equity (ytd only) | 14.3149% | 191 |
| Net charge-offs to loans | 0.2253% | 2,658 |
| Credit loss provision to net charge-offs | 121.8391% | 1,954 |
| Earnings coverage of net charge-offs (x) | 17.9502% | 1,685 |
| Efficiency ratio | 55.0793% | 6,042 |
| Assets per employee ($millions) | 4.9186% | 2,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 2,955 |
| Loan loss allowance to noncurrent loans | 691.0714% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 5,810 |
| Noncurrent loans to loans | 0.2245% | 5,519 |
| Net loans and leases to total assets | 73.4172% | 1,452 |
| Net loans and leases to deposits | 86.5910% | 1,620 |
| Net loans and leases to core deposits | 112.4208% | 518 |
| Total domestic deposits to total assets | 84.7861% | 3,855 |
| Equity capital to assets | 11.2685% | 2,369 |
| Core capital (leverage) ratio | 11.2274% | 2,175 |
| Tier 1 risk-based capital ratio | 18.2112% | 2,179 |
| Total risk-based capital ratio | 19.4700% | 2,137 |
| Memoranda: | ||
| Average total assets | $314,539,000 | 2,044 |
| Average earning assets | $301,952,000 | 1,964 |
| Average equity | $35,473,600 | 1,943 |
| Average total loans | $231,659,400 | 1,778 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7737% | 246 |
| Cost of funding earning assets | 0.6865% | 2,040 |
| Net interest margin | 5.0872% | 266 |
| Noninterest income to average assets | 2.1940% | 366 |
| Noninterest expense to average assets | 3.5822% | 1,432 |
| Loan and lease loss provision to assets | 0.2739% | 1,279 |
| Net operating income to assets | 1.8754% | 459 |
| Return on assets (ROA) | 1.8749% | 466 |
| Pretax return on assets | 3.2200% | 111 |
| Return on Equity (ROE) | 16.6205% | 575 |
| Retained earnings to average equity (ytd only) | 16.6205% | 142 |
| Net charge-offs to loans | 0.3045% | 2,011 |
| Credit loss provision to net charge-offs | 122.5434% | 1,918 |
| Earnings coverage of net charge-offs (x) | 15.6340% | 1,850 |
| Efficiency ratio | 50.6177% | 6,360 |
| Assets per employee ($millions) | 5.6864% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6940% | 2,640 |
| Loan loss allowance to noncurrent loans | 270.6499% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.4265% | 5,149 |
| Noncurrent loans to loans | 0.6259% | 4,639 |
| Net loans and leases to total assets | 66.9935% | 2,460 |
| Net loans and leases to deposits | 78.5768% | 2,575 |
| Net loans and leases to core deposits | 102.4780% | 961 |
| Total domestic deposits to total assets | 85.2586% | 3,605 |
| Equity capital to assets | 11.0081% | 2,751 |
| Core capital (leverage) ratio | 11.0675% | 2,415 |
| Tier 1 risk-based capital ratio | 17.8609% | 2,371 |
| Total risk-based capital ratio | 19.1204% | 2,333 |
| Memoranda: | ||
| Average total assets | $309,557,750 | 2,091 |
| Average earning assets | $297,132,000 | 2,000 |
| Average equity | $34,919,750 | 1,989 |
| Average total loans | $227,218,250 | 1,808 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8900% | 212 |
| Cost of funding earning assets | 0.7009% | 2,056 |
| Net interest margin | 5.1891% | 210 |
| Noninterest income to average assets | 3.0082% | 253 |
| Noninterest expense to average assets | 3.7360% | 1,194 |
| Loan and lease loss provision to assets | 0.3164% | 1,118 |
| Net operating income to assets | 2.2952% | 220 |
| Return on assets (ROA) | 2.2944% | 229 |
| Pretax return on assets | 3.9341% | 87 |
| Return on Equity (ROE) | 20.1583% | 290 |
| Retained earnings to average equity (ytd only) | 20.1583% | 84 |
| Net charge-offs to loans | 0.5980% | 1,107 |
| Credit loss provision to net charge-offs | 70.2065% | 2,822 |
| Earnings coverage of net charge-offs (x) | 9.4351% | 2,287 |
| Efficiency ratio | 46.7715% | 6,600 |
| Assets per employee ($millions) | 5.5576% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 3,148 |
| Loan loss allowance to noncurrent loans | 298.1544% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.3763% | 5,349 |
| Noncurrent loans to loans | 0.5378% | 4,916 |
| Net loans and leases to total assets | 68.8503% | 2,082 |
| Net loans and leases to deposits | 81.1488% | 2,163 |
| Net loans and leases to core deposits | 102.1464% | 930 |
| Total domestic deposits to total assets | 84.8445% | 3,967 |
| Equity capital to assets | 11.3579% | 2,420 |
| Core capital (leverage) ratio | 11.7434% | 1,772 |
| Tier 1 risk-based capital ratio | 18.0305% | 2,306 |
| Total risk-based capital ratio | 19.2886% | 2,268 |
| Memoranda: | ||
| Average total assets | $300,911,000 | 2,159 |
| Average earning assets | $288,758,330 | 2,067 |
| Average equity | $34,249,000 | 2,030 |
| Average total loans | $226,746,000 | 1,811 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9641% | 182 |
| Cost of funding earning assets | 0.7382% | 1,938 |
| Net interest margin | 5.2258% | 191 |
| Noninterest income to average assets | 3.3464% | 219 |
| Noninterest expense to average assets | 3.9539% | 936 |
| Loan and lease loss provision to assets | 0.3700% | 865 |
| Net operating income to assets | 2.2978% | 203 |
| Return on assets (ROA) | 2.2978% | 223 |
| Pretax return on assets | 4.0386% | 82 |
| Return on Equity (ROE) | 20.1657% | 284 |
| Retained earnings to average equity (ytd only) | 20.1657% | 136 |
| Net charge-offs to loans | 0.8984% | 675 |
| Credit loss provision to net charge-offs | 52.6214% | 2,565 |
| Earnings coverage of net charge-offs (x) | 6.2699% | 2,246 |
| Efficiency ratio | 47.2816% | 6,641 |
| Assets per employee ($millions) | 5.6467% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5557% | 3,590 |
| Loan loss allowance to noncurrent loans | 315.5436% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.3791% | 5,453 |
| Noncurrent loans to loans | 0.4930% | 5,197 |
| Net loans and leases to total assets | 75.6856% | 878 |
| Net loans and leases to deposits | 89.6260% | 1,000 |
| Net loans and leases to core deposits | 108.2005% | 556 |
| Total domestic deposits to total assets | 84.4460% | 4,292 |
| Equity capital to assets | 11.6610% | 2,284 |
| Core capital (leverage) ratio | 11.6390% | 1,791 |
| Tier 1 risk-based capital ratio | 18.5120% | 2,188 |
| Total risk-based capital ratio | 19.7716% | 2,153 |
| Memoranda: | ||
| Average total assets | $292,975,000 | 2,237 |
| Average earning assets | $281,217,500 | 2,142 |
| Average equity | $33,383,500 | 2,111 |
| Average total loans | $229,289,000 | 1,802 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7118% | 425 |
| Cost of funding earning assets | 0.8830% | 2,054 |
| Net interest margin | 4.8288% | 515 |
| Noninterest income to average assets | 2.5320% | 315 |
| Noninterest expense to average assets | 3.3547% | 2,175 |
| Loan and lease loss provision to assets | 0.3937% | 1,655 |
| Net operating income to assets | 1.9710% | 375 |
| Return on assets (ROA) | 1.9741% | 406 |
| Pretax return on assets | 3.4039% | 105 |
| Return on Equity (ROE) | 18.9889% | 358 |
| Retained earnings to average equity (ytd only) | 18.9889% | 72 |
| Net charge-offs to loans | 0.2941% | 3,176 |
| Credit loss provision to net charge-offs | 172.8261% | 1,525 |
| Earnings coverage of net charge-offs (x) | 16.6491% | 1,568 |
| Efficiency ratio | 46.9366% | 6,755 |
| Assets per employee ($millions) | 5.9658% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 3,251 |
| Loan loss allowance to noncurrent loans | 265.1836% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.4844% | 5,258 |
| Noncurrent loans to loans | 0.6082% | 4,996 |
| Net loans and leases to total assets | 78.3646% | 631 |
| Net loans and leases to deposits | 92.3333% | 888 |
| Net loans and leases to core deposits | 111.2948% | 494 |
| Total domestic deposits to total assets | 84.8715% | 3,918 |
| Equity capital to assets | 11.1271% | 2,807 |
| Core capital (leverage) ratio | 10.7815% | 2,464 |
| Tier 1 risk-based capital ratio | 17.7882% | 2,342 |
| Total risk-based capital ratio | 19.0504% | 2,304 |
| Memoranda: | ||
| Average total assets | $282,706,000 | 2,247 |
| Average earning assets | $270,213,600 | 2,159 |
| Average equity | $29,390,800 | 2,288 |
| Average total loans | $218,996,200 | 1,847 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6177% | 543 |
| Cost of funding earning assets | 0.8995% | 2,173 |
| Net interest margin | 4.7182% | 654 |
| Noninterest income to average assets | 3.1365% | 234 |
| Noninterest expense to average assets | 3.3929% | 2,020 |
| Loan and lease loss provision to assets | 0.4642% | 1,336 |
| Net operating income to assets | 2.2062% | 278 |
| Return on assets (ROA) | 2.2104% | 311 |
| Pretax return on assets | 3.7996% | 89 |
| Return on Equity (ROE) | 21.6587% | 253 |
| Retained earnings to average equity (ytd only) | 21.6587% | 68 |
| Net charge-offs to loans | 0.0303% | 5,224 |
| Credit loss provision to net charge-offs | 1,991.8367% | 135 |
| Earnings coverage of net charge-offs (x) | 182.6579% | 247 |
| Efficiency ratio | 44.3512% | 6,889 |
| Assets per employee ($millions) | 5.8317% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9023% | 2,469 |
| Loan loss allowance to noncurrent loans | 156.4798% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.9236% | 4,432 |
| Noncurrent loans to loans | 1.2157% | 4,021 |
| Net loans and leases to total assets | 74.5262% | 1,169 |
| Net loans and leases to deposits | 87.7296% | 1,384 |
| Net loans and leases to core deposits | 106.1707% | 730 |
| Total domestic deposits to total assets | 84.9499% | 3,765 |
| Equity capital to assets | 10.8181% | 3,479 |
| Core capital (leverage) ratio | 11.1718% | 2,232 |
| Tier 1 risk-based capital ratio | 18.5423% | 2,150 |
| Total risk-based capital ratio | 19.8093% | 2,110 |
| Memoranda: | ||
| Average total assets | $280,302,000 | 2,296 |
| Average earning assets | $268,147,000 | 2,198 |
| Average equity | $28,606,750 | 2,365 |
| Average total loans | $215,537,250 | 1,893 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5875% | 590 |
| Cost of funding earning assets | 0.9282% | 2,203 |
| Net interest margin | 4.6593% | 734 |
| Noninterest income to average assets | 2.2008% | 348 |
| Noninterest expense to average assets | 3.2841% | 2,350 |
| Loan and lease loss provision to assets | 0.2719% | 2,408 |
| Net operating income to assets | 1.7914% | 575 |
| Return on assets (ROA) | 1.7979% | 633 |
| Pretax return on assets | 3.0983% | 142 |
| Return on Equity (ROE) | 17.9965% | 510 |
| Retained earnings to average equity (ytd only) | 17.9965% | 143 |
| Net charge-offs to loans | 0.0759% | 4,385 |
| Credit loss provision to net charge-offs | 464.1975% | 647 |
| Earnings coverage of net charge-offs (x) | 57.3580% | 662 |
| Efficiency ratio | 49.4285% | 6,682 |
| Assets per employee ($millions) | 5.9472% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 3,545 |
| Loan loss allowance to noncurrent loans | 231.9948% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5644% | 5,346 |
| Noncurrent loans to loans | 0.6973% | 5,108 |
| Net loans and leases to total assets | 79.6345% | 547 |
| Net loans and leases to deposits | 94.1644% | 756 |
| Net loans and leases to core deposits | 116.0426% | 396 |
| Total domestic deposits to total assets | 84.5696% | 4,066 |
| Equity capital to assets | 10.7219% | 3,430 |
| Core capital (leverage) ratio | 10.5319% | 2,771 |
| Tier 1 risk-based capital ratio | 17.0728% | 2,637 |
| Total risk-based capital ratio | 18.3345% | 2,593 |
| Memoranda: | ||
| Average total assets | $276,540,670 | 2,325 |
| Average earning assets | $263,731,000 | 2,232 |
| Average equity | $27,627,670 | 2,436 |
| Average total loans | $213,542,330 | 1,918 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5175% | 733 |
| Cost of funding earning assets | 0.9360% | 2,399 |
| Net interest margin | 4.5815% | 852 |
| Noninterest income to average assets | 1.2747% | 871 |
| Noninterest expense to average assets | 3.0918% | 2,939 |
| Loan and lease loss provision to assets | 0.2532% | 2,425 |
| Net operating income to assets | 1.3580% | 1,298 |
| Return on assets (ROA) | 1.3653% | 1,445 |
| Pretax return on assets | 2.3566% | 414 |
| Return on Equity (ROE) | 14.1771% | 1,154 |
| Retained earnings to average equity (ytd only) | 14.1771% | 549 |
| Net charge-offs to loans | -0.0248% | 6,256 |
| Credit loss provision to net charge-offs | -1,353.8462% | 5,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3363% | 6,310 |
| Assets per employee ($millions) | 6.2391% | 1,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6534% | 3,529 |
| Loan loss allowance to noncurrent loans | 261.1570% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 5,675 |
| Noncurrent loans to loans | 0.6331% | 5,378 |
| Net loans and leases to total assets | 73.6438% | 1,122 |
| Net loans and leases to deposits | 85.4819% | 1,478 |
| Net loans and leases to core deposits | 103.6256% | 786 |
| Total domestic deposits to total assets | 86.1514% | 3,443 |
| Equity capital to assets | 9.8850% | 4,274 |
| Core capital (leverage) ratio | 9.9330% | 3,452 |
| Tier 1 risk-based capital ratio | 17.2292% | 2,588 |
| Total risk-based capital ratio | 18.4915% | 2,553 |
| Memoranda: | ||
| Average total assets | $278,026,000 | 2,325 |
| Average earning assets | $267,949,000 | 2,221 |
| Average equity | $26,775,500 | 2,494 |
| Average total loans | $209,594,500 | 1,952 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2228% | 1,975 |
| Cost of funding earning assets | 1.0082% | 3,314 |
| Net interest margin | 4.2146% | 2,010 |
| Noninterest income to average assets | 0.9253% | 1,585 |
| Noninterest expense to average assets | 3.2680% | 2,626 |
| Loan and lease loss provision to assets | 0.4062% | 2,558 |
| Net operating income to assets | 1.3140% | 1,206 |
| Return on assets (ROA) | 1.3140% | 1,311 |
| Pretax return on assets | 1.2944% | 2,152 |
| Return on Equity (ROE) | 12.3668% | 1,310 |
| Retained earnings to average equity (ytd only) | 12.3668% | 271 |
| Net charge-offs to loans | 0.1324% | 5,090 |
| Credit loss provision to net charge-offs | 397.8632% | 585 |
| Earnings coverage of net charge-offs (x) | 16.6581% | 1,312 |
| Efficiency ratio | 65.7740% | 4,819 |
| Assets per employee ($millions) | 7.0588% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 3,691 |
| Loan loss allowance to noncurrent loans | 309.8021% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.3854% | 6,010 |
| Noncurrent loans to loans | 0.5078% | 5,693 |
| Net loans and leases to total assets | 74.7074% | 1,139 |
| Net loans and leases to deposits | 86.6348% | 1,589 |
| Net loans and leases to core deposits | 104.7339% | 855 |
| Total domestic deposits to total assets | 86.2325% | 3,176 |
| Equity capital to assets | 9.3711% | 5,061 |
| Core capital (leverage) ratio | 9.4741% | 4,069 |
| Tier 1 risk-based capital ratio | 15.3298% | 3,435 |
| Total risk-based capital ratio | 16.5918% | 3,375 |
| Memoranda: | ||
| Average total assets | $229,221,800 | 2,734 |
| Average earning assets | $219,903,000 | 2,615 |
| Average equity | $24,355,600 | 2,633 |
| Average total loans | $176,765,400 | 2,298 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2256% | 2,105 |
| Cost of funding earning assets | 1.0305% | 3,461 |
| Net interest margin | 4.1951% | 2,120 |
| Noninterest income to average assets | 0.9156% | 1,594 |
| Noninterest expense to average assets | 3.2716% | 2,588 |
| Loan and lease loss provision to assets | 0.3975% | 2,470 |
| Net operating income to assets | 1.4754% | 996 |
| Return on assets (ROA) | 1.4754% | 1,077 |
| Pretax return on assets | 1.2628% | 2,419 |
| Return on Equity (ROE) | 13.3858% | 1,188 |
| Retained earnings to average equity (ytd only) | 13.3858% | 343 |
| Net charge-offs to loans | 0.0466% | 5,521 |
| Credit loss provision to net charge-offs | 1,100.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 45.9519% | 690 |
| Efficiency ratio | 66.3355% | 4,654 |
| Assets per employee ($millions) | 6.4498% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 3,453 |
| Loan loss allowance to noncurrent loans | 126.4414% | 2,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9998% | 4,757 |
| Noncurrent loans to loans | 1.3031% | 4,360 |
| Net loans and leases to total assets | 75.4602% | 1,068 |
| Net loans and leases to deposits | 88.5244% | 1,372 |
| Net loans and leases to core deposits | 103.8063% | 992 |
| Total domestic deposits to total assets | 85.2422% | 3,652 |
| Equity capital to assets | 10.0111% | 4,328 |
| Core capital (leverage) ratio | 9.9191% | 3,549 |
| Tier 1 risk-based capital ratio | 16.7337% | 2,748 |
| Total risk-based capital ratio | 17.9974% | 2,718 |
| Memoranda: | ||
| Average total assets | $217,703,750 | 2,867 |
| Average earning assets | $208,430,500 | 2,753 |
| Average equity | $23,995,000 | 2,673 |
| Average total loans | $168,718,750 | 2,400 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0907% | 2,726 |
| Cost of funding earning assets | 1.0529% | 3,581 |
| Net interest margin | 4.0377% | 2,658 |
| Noninterest income to average assets | 1.0212% | 1,270 |
| Noninterest expense to average assets | 3.3165% | 2,502 |
| Loan and lease loss provision to assets | 0.3682% | 2,588 |
| Net operating income to assets | 1.7372% | 554 |
| Return on assets (ROA) | 1.7372% | 598 |
| Pretax return on assets | 1.2043% | 2,465 |
| Return on Equity (ROE) | 15.1953% | 764 |
| Retained earnings to average equity (ytd only) | 15.1953% | 236 |
| Net charge-offs to loans | 0.0585% | 5,064 |
| Credit loss provision to net charge-offs | 808.5106% | 409 |
| Earnings coverage of net charge-offs (x) | 34.5319% | 832 |
| Efficiency ratio | 67.8359% | 4,545 |
| Assets per employee ($millions) | 6.1508% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6580% | 3,465 |
| Loan loss allowance to noncurrent loans | 114.0016% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 1.0970% | 4,694 |
| Noncurrent loans to loans | 1.4544% | 4,241 |
| Net loans and leases to total assets | 74.1753% | 1,379 |
| Net loans and leases to deposits | 87.8410% | 1,525 |
| Net loans and leases to core deposits | 104.5248% | 1,012 |
| Total domestic deposits to total assets | 84.4427% | 4,148 |
| Equity capital to assets | 10.4967% | 3,508 |
| Core capital (leverage) ratio | 10.7828% | 2,438 |
| Tier 1 risk-based capital ratio | 17.6907% | 2,271 |
| Total risk-based capital ratio | 18.9538% | 2,233 |
| Memoranda: | ||
| Average total assets | $206,424,330 | 3,014 |
| Average earning assets | $197,734,670 | 2,902 |
| Average equity | $23,599,330 | 2,688 |
| Average total loans | $160,627,000 | 2,530 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 2,867 |
| Cost of funding earning assets | 1.0530% | 3,834 |
| Net interest margin | 3.9957% | 2,703 |
| Noninterest income to average assets | 1.2574% | 802 |
| Noninterest expense to average assets | 3.4632% | 2,110 |
| Loan and lease loss provision to assets | 0.3942% | 2,221 |
| Net operating income to assets | 1.8571% | 439 |
| Return on assets (ROA) | 1.8571% | 464 |
| Pretax return on assets | 1.2346% | 2,250 |
| Return on Equity (ROE) | 15.4764% | 745 |
| Retained earnings to average equity (ytd only) | 15.4764% | 348 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0114% | 4,651 |
| Assets per employee ($millions) | 5.5834% | 1,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7226% | 3,267 |
| Loan loss allowance to noncurrent loans | 89.0170% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.5117% | 3,986 |
| Noncurrent loans to loans | 1.9351% | 3,655 |
| Net loans and leases to total assets | 76.7752% | 909 |
| Net loans and leases to deposits | 92.2149% | 999 |
| Net loans and leases to core deposits | 109.2832% | 769 |
| Total domestic deposits to total assets | 83.2568% | 4,815 |
| Equity capital to assets | 11.4195% | 2,333 |
| Core capital (leverage) ratio | 11.8691% | 1,637 |
| Tier 1 risk-based capital ratio | 19.5703% | 1,679 |
| Total risk-based capital ratio | 20.8354% | 1,646 |
| Memoranda: | ||
| Average total assets | $192,771,500 | 3,208 |
| Average earning assets | $184,998,500 | 3,080 |
| Average equity | $23,132,000 | 2,734 |
| Average total loans | $152,794,000 | 2,668 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2323% | 3,447 |
| Cost of funding earning assets | 1.2072% | 4,516 |
| Net interest margin | 4.0251% | 2,906 |
| Noninterest income to average assets | 0.8606% | 2,010 |
| Noninterest expense to average assets | 3.7157% | 1,669 |
| Loan and lease loss provision to assets | 0.4061% | 3,674 |
| Net operating income to assets | 0.7221% | 3,139 |
| Return on assets (ROA) | 0.7420% | 3,157 |
| Pretax return on assets | 0.6178% | 4,266 |
| Return on Equity (ROE) | 5.4349% | 3,877 |
| Retained earnings to average equity (ytd only) | 5.4349% | 2,158 |
| Net charge-offs to loans | 0.2589% | 4,740 |
| Credit loss provision to net charge-offs | 201.2308% | 1,551 |
| Earnings coverage of net charge-offs (x) | 4.9754% | 2,752 |
| Efficiency ratio | 78.7265% | 2,572 |
| Assets per employee ($millions) | 5.4230% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 2,877 |
| Loan loss allowance to noncurrent loans | 89.4337% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.6183% | 3,888 |
| Noncurrent loans to loans | 2.0083% | 3,551 |
| Net loans and leases to total assets | 79.1314% | 780 |
| Net loans and leases to deposits | 103.1954% | 437 |
| Net loans and leases to core deposits | 126.5828% | 384 |
| Total domestic deposits to total assets | 76.6811% | 6,533 |
| Equity capital to assets | 12.6695% | 1,544 |
| Core capital (leverage) ratio | 12.2993% | 1,390 |
| Tier 1 risk-based capital ratio | 20.1446% | 1,459 |
| Total risk-based capital ratio | 21.4092% | 1,425 |
| Memoranda: | ||
| Average total assets | $161,047,400 | 3,677 |
| Average earning assets | $154,406,400 | 3,568 |
| Average equity | $21,987,400 | 2,875 |
| Average total loans | $125,542,400 | 3,206 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3176% | 3,265 |
| Cost of funding earning assets | 1.2061% | 4,836 |
| Net interest margin | 4.1115% | 2,575 |
| Noninterest income to average assets | 0.9069% | 1,776 |
| Noninterest expense to average assets | 3.8108% | 1,361 |
| Loan and lease loss provision to assets | 0.4641% | 3,150 |
| Net operating income to assets | 0.5714% | 4,001 |
| Return on assets (ROA) | 0.5987% | 4,037 |
| Pretax return on assets | 0.5987% | 4,597 |
| Return on Equity (ROE) | 4.2964% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.2964% | 3,472 |
| Net charge-offs to loans | 0.3717% | 3,822 |
| Credit loss provision to net charge-offs | 161.7211% | 2,334 |
| Earnings coverage of net charge-offs (x) | 3.6083% | 3,377 |
| Efficiency ratio | 78.6329% | 2,539 |
| Assets per employee ($millions) | 6.2600% | 1,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8823% | 2,538 |
| Loan loss allowance to noncurrent loans | 78.7058% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 1.7897% | 3,761 |
| Noncurrent loans to loans | 2.3916% | 3,244 |
| Net loans and leases to total assets | 73.4247% | 1,924 |
| Net loans and leases to deposits | 91.9501% | 1,454 |
| Net loans and leases to core deposits | 124.4637% | 488 |
| Total domestic deposits to total assets | 79.8527% | 5,754 |
| Equity capital to assets | 12.6923% | 1,760 |
| Core capital (leverage) ratio | 13.1152% | 1,185 |
| Tier 1 risk-based capital ratio | 20.9012% | 1,375 |
| Total risk-based capital ratio | 22.1661% | 1,348 |
| Memoranda: | ||
| Average total assets | $156,569,750 | 3,821 |
| Average earning assets | $150,013,500 | 3,685 |
| Average equity | $21,816,000 | 2,941 |
| Average total loans | $120,877,500 | 3,351 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5331% | 2,395 |
| Cost of funding earning assets | 1.2259% | 4,984 |
| Net interest margin | 4.3073% | 1,744 |
| Noninterest income to average assets | 0.8621% | 1,832 |
| Noninterest expense to average assets | 3.8807% | 1,216 |
| Loan and lease loss provision to assets | 0.6120% | 2,350 |
| Net operating income to assets | 0.4922% | 4,366 |
| Return on assets (ROA) | 0.5348% | 4,323 |
| Pretax return on assets | 0.5348% | 4,796 |
| Return on Equity (ROE) | 3.7098% | 4,920 |
| Retained earnings to average equity (ytd only) | 3.7098% | 3,741 |
| Net charge-offs to loans | 0.3372% | 3,646 |
| Credit loss provision to net charge-offs | 232.3232% | 1,662 |
| Earnings coverage of net charge-offs (x) | 4.1919% | 3,025 |
| Efficiency ratio | 77.8489% | 2,752 |
| Assets per employee ($millions) | 5.8729% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9715% | 2,255 |
| Loan loss allowance to noncurrent loans | 256.9246% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.6193% | 5,947 |
| Noncurrent loans to loans | 0.7674% | 5,736 |
| Net loans and leases to total assets | 79.1132% | 935 |
| Net loans and leases to deposits | 101.4779% | 623 |
| Net loans and leases to core deposits | 141.9347% | 264 |
| Total domestic deposits to total assets | 77.9610% | 6,278 |
| Equity capital to assets | 13.8325% | 1,231 |
| Core capital (leverage) ratio | 13.8625% | 960 |
| Tier 1 risk-based capital ratio | 20.9710% | 1,343 |
| Total risk-based capital ratio | 22.1788% | 1,324 |
| Memoranda: | ||
| Average total assets | $150,333,330 | 3,948 |
| Average earning assets | $143,896,670 | 3,818 |
| Average equity | $21,672,330 | 2,950 |
| Average total loans | $117,447,670 | 3,449 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5464% | 2,378 |
| Cost of funding earning assets | 1.2418% | 5,163 |
| Net interest margin | 4.3046% | 1,679 |
| Noninterest income to average assets | 0.5225% | 3,872 |
| Noninterest expense to average assets | 3.9558% | 1,094 |
| Loan and lease loss provision to assets | 0.3556% | 3,242 |
| Net operating income to assets | 0.3173% | 5,221 |
| Return on assets (ROA) | 0.4049% | 4,965 |
| Pretax return on assets | 0.4049% | 5,279 |
| Return on Equity (ROE) | 2.7482% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.7482% | 4,491 |
| Net charge-offs to loans | 0.2532% | 3,429 |
| Credit loss provision to net charge-offs | 183.0986% | 1,997 |
| Earnings coverage of net charge-offs (x) | 3.4648% | 2,902 |
| Efficiency ratio | 85.4610% | 1,853 |
| Assets per employee ($millions) | 6.6814% | 917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9337% | 2,351 |
| Loan loss allowance to noncurrent loans | 404.8866% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 6,545 |
| Noncurrent loans to loans | 0.4776% | 6,341 |
| Net loans and leases to total assets | 76.5644% | 1,422 |
| Net loans and leases to deposits | 100.7484% | 711 |
| Net loans and leases to core deposits | 154.8233% | 211 |
| Total domestic deposits to total assets | 75.9956% | 6,759 |
| Equity capital to assets | 14.0780% | 1,116 |
| Core capital (leverage) ratio | 14.3534% | 884 |
| Tier 1 risk-based capital ratio | 21.7136% | 1,238 |
| Total risk-based capital ratio | 22.9172% | 1,229 |
| Memoranda: | ||
| Average total assets | $146,215,500 | 4,088 |
| Average earning assets | $139,479,000 | 3,976 |
| Average equity | $21,541,500 | 2,998 |
| Average total loans | $112,185,500 | 3,639 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2290% | 5,514 |
| Cost of funding earning assets | 1.5048% | 5,494 |
| Net interest margin | 3.7243% | 4,027 |
| Noninterest income to average assets | 1.2781% | 921 |
| Noninterest expense to average assets | 4.2650% | 1,023 |
| Loan and lease loss provision to assets | 1.0958% | 2,081 |
| Net operating income to assets | -0.5118% | 6,196 |
| Return on assets (ROA) | -0.5118% | 6,184 |
| Pretax return on assets | -0.5118% | 6,020 |
| Return on Equity (ROE) | -2.7134% | 5,948 |
| Retained earnings to average equity (ytd only) | -2.7134% | 5,648 |
| Net charge-offs to loans | 0.1187% | 5,989 |
| Credit loss provision to net charge-offs | 1,295.8333% | 233 |
| Earnings coverage of net charge-offs (x) | 6.9063% | 2,264 |
| Efficiency ratio | 87.9564% | 1,883 |
| Assets per employee ($millions) | 6.3072% | 1,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 1,707 |
| Loan loss allowance to noncurrent loans | 1,517.4497% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 7,223 |
| Noncurrent loans to loans | 0.1427% | 7,072 |
| Net loans and leases to total assets | 73.6039% | 2,360 |
| Net loans and leases to deposits | 96.5705% | 1,260 |
| Net loans and leases to core deposits | 153.3928% | 437 |
| Total domestic deposits to total assets | 76.2178% | 6,635 |
| Equity capital to assets | 15.4577% | 802 |
| Core capital (leverage) ratio | 16.5546% | 546 |
| Tier 1 risk-based capital ratio | 23.6447% | 979 |
| Total risk-based capital ratio | 24.9118% | 960 |
| Memoranda: | ||
| Average total assets | $113,527,600 | 4,742 |
| Average earning assets | $108,854,000 | 4,601 |
| Average equity | $21,412,000 | 3,025 |
| Average total loans | $80,859,000 | 4,477 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1631% | 6,047 |
| Cost of funding earning assets | 1.5915% | 5,443 |
| Net interest margin | 3.5715% | 4,586 |
| Noninterest income to average assets | 0.8555% | 2,177 |
| Noninterest expense to average assets | 4.4406% | 795 |
| Loan and lease loss provision to assets | 0.6951% | 2,650 |
| Net operating income to assets | -0.8506% | 6,727 |
| Return on assets (ROA) | -0.8506% | 6,724 |
| Pretax return on assets | -0.8506% | 6,571 |
| Return on Equity (ROE) | -4.2610% | 6,367 |
| Retained earnings to average equity (ytd only) | -4.2610% | 6,147 |
| Net charge-offs to loans | 0.1796% | 4,953 |
| Credit loss provision to net charge-offs | 553.4653% | 705 |
| Earnings coverage of net charge-offs (x) | -1.2376% | 6,670 |
| Efficiency ratio | 103.6274% | 933 |
| Assets per employee ($millions) | 6.8653% | 838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8186% | 2,220 |
| Loan loss allowance to noncurrent loans | 583.6431% | 560 |
| Noncurrent assets plus other real estate owned to assets | 0.2177% | 6,975 |
| Noncurrent loans to loans | 0.3116% | 6,739 |
| Net loans and leases to total assets | 68.5915% | 3,826 |
| Net loans and leases to deposits | 93.4078% | 1,984 |
| Net loans and leases to core deposits | 124.2080% | 1,883 |
| Total domestic deposits to total assets | 73.4323% | 7,035 |
| Equity capital to assets | 17.2575% | 595 |
| Core capital (leverage) ratio | 17.7193% | 476 |
| Tier 1 risk-based capital ratio | 21.3442% | 1,318 |
| Total risk-based capital ratio | 22.5995% | 1,287 |
| Memoranda: | ||
| Average total assets | $107,219,750 | 4,929 |
| Average earning assets | $102,959,250 | 4,788 |
| Average equity | $21,402,750 | 3,043 |
| Average total loans | $74,975,500 | 4,735 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1323% | 6,308 |
| Cost of funding earning assets | 1.6357% | 5,581 |
| Net interest margin | 3.4966% | 4,813 |
| Noninterest income to average assets | 0.6525% | 3,325 |
| Noninterest expense to average assets | 4.7029% | 639 |
| Loan and lease loss provision to assets | 0.7920% | 2,111 |
| Net operating income to assets | -1.4857% | 7,237 |
| Return on assets (ROA) | -1.4857% | 7,238 |
| Pretax return on assets | -1.4857% | 7,083 |
| Return on Equity (ROE) | -7.0561% | 6,809 |
| Retained earnings to average equity (ytd only) | -7.0561% | 6,569 |
| Net charge-offs to loans | 0.1461% | 4,720 |
| Credit loss provision to net charge-offs | 775.0000% | 604 |
| Earnings coverage of net charge-offs (x) | -6.7885% | 6,487 |
| Efficiency ratio | 117.3039% | 721 |
| Assets per employee ($millions) | 6.3085% | 1,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8228% | 1,981 |
| Loan loss allowance to noncurrent loans | 836.0000% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 7,177 |
| Noncurrent loans to loans | 0.2180% | 6,967 |
| Net loans and leases to total assets | 69.3923% | 3,850 |
| Net loans and leases to deposits | 98.4151% | 1,463 |
| Net loans and leases to core deposits | 132.5277% | 1,400 |
| Total domestic deposits to total assets | 70.5098% | 7,418 |
| Equity capital to assets | 18.5931% | 496 |
| Core capital (leverage) ratio | 20.2944% | 347 |
| Tier 1 risk-based capital ratio | 22.4073% | 1,200 |
| Total risk-based capital ratio | 23.6633% | 1,169 |
| Memoranda: | ||
| Average total assets | $101,768,000 | 5,111 |
| Average earning assets | $97,695,670 | 4,961 |
| Average equity | $21,428,330 | 3,045 |
| Average total loans | $71,190,000 | 4,913 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2869% | 5,948 |
| Cost of funding earning assets | 1.7521% | 5,346 |
| Net interest margin | 3.5348% | 4,590 |
| Noninterest income to average assets | 0.6050% | 3,514 |
| Noninterest expense to average assets | 4.9940% | 492 |
| Loan and lease loss provision to assets | 0.4714% | 2,589 |
| Net operating income to assets | -1.4769% | 7,488 |
| Return on assets (ROA) | -1.4769% | 7,498 |
| Pretax return on assets | -1.4769% | 7,354 |
| Return on Equity (ROE) | -6.5598% | 7,112 |
| Retained earnings to average equity (ytd only) | -6.5598% | 6,749 |
| Net charge-offs to loans | 0.2580% | 3,118 |
| Credit loss provision to net charge-offs | 262.7907% | 1,799 |
| Earnings coverage of net charge-offs (x) | -5.6047% | 5,577 |
| Efficiency ratio | 125.2092% | 565 |
| Assets per employee ($millions) | 5.4921% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6685% | 2,249 |
| Loan loss allowance to noncurrent loans | 8,457.1429% | 67 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 7,593 |
| Noncurrent loans to loans | 0.0197% | 7,501 |
| Net loans and leases to total assets | 70.5851% | 3,554 |
| Net loans and leases to deposits | 105.3173% | 918 |
| Net loans and leases to core deposits | 141.3360% | 1,046 |
| Total domestic deposits to total assets | 67.0214% | 7,669 |
| Equity capital to assets | 21.7079% | 318 |
| Core capital (leverage) ratio | 22.1074% | 303 |
| Tier 1 risk-based capital ratio | 25.7960% | 907 |
| Total risk-based capital ratio | 27.0505% | 887 |
| Memoranda: | ||
| Average total assets | $95,875,500 | 5,308 |
| Average earning assets | $91,773,500 | 5,155 |
| Average equity | $21,586,000 | 3,030 |
| Average total loans | $66,655,000 | 5,110 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6929% | 6,802 |
| Cost of funding earning assets | 1.0850% | 8,017 |
| Net interest margin | 4.6079% | 1,159 |
| Noninterest income to average assets | 0.5911% | 3,904 |
| Noninterest expense to average assets | 7.4350% | 262 |
| Loan and lease loss provision to assets | 1.3694% | 1,021 |
| Net operating income to assets | -3.8680% | 7,970 |
| Return on assets (ROA) | -3.8680% | 7,951 |
| Pretax return on assets | -3.8680% | 7,871 |
| Return on Equity (ROE) | -10.9487% | 7,342 |
| Retained earnings to average equity (ytd only) | -10.9487% | 7,160 |
| Net charge-offs to loans | 0.0948% | 5,380 |
| Credit loss provision to net charge-offs | 2,251.2821% | 206 |
| Earnings coverage of net charge-offs (x) | -41.0769% | 6,975 |
| Efficiency ratio | 150.6161% | 346 |
| Assets per employee ($millions) | 5.8058% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7852% | 1,665 |
| Loan loss allowance to noncurrent loans | 1,080.5825% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.1109% | 7,134 |
| Noncurrent loans to loans | 0.1652% | 6,901 |
| Net loans and leases to total assets | 65.9189% | 4,866 |
| Net loans and leases to deposits | 105.8826% | 1,133 |
| Net loans and leases to core deposits | 143.4656% | 1,115 |
| Total domestic deposits to total assets | 62.2566% | 7,872 |
| Equity capital to assets | 23.3731% | 306 |
| Core capital (leverage) ratio | 27.3374% | 219 |
| Tier 1 risk-based capital ratio | 27.8794% | 766 |
| Total risk-based capital ratio | 29.1335% | 752 |
| Memoranda: | ||
| Average total assets | $64,115,600 | 6,227 |
| Average earning assets | $60,461,800 | 6,154 |
| Average equity | $22,651,000 | 2,889 |
| Average total loans | $41,138,400 | 6,116 |