Home > Poppy Bank > Performance and Condition Ratios
Poppy Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7138% | 910 |
| Cost of funding earning assets | 3.2295% | 107 |
| Net interest margin | 2.4844% | 4,106 |
| Noninterest income to average assets | 0.0500% | 4,441 |
| Noninterest expense to average assets | 1.0537% | 4,492 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9560% | 2,345 |
| Return on assets (ROA) | 0.9567% | 2,338 |
| Pretax return on assets | 1.3223% | 1,815 |
| Return on Equity (ROE) | 10.8700% | 2,264 |
| Retained earnings to average equity (ytd only) | 10.8749% | 821 |
| Net charge-offs to loans | 0.0956% | 937 |
| Credit loss provision to net charge-offs | 23.8189% | 2,291 |
| Earnings coverage of net charge-offs (x) | 21.7404% | 1,831 |
| Efficiency ratio | 43.7663% | 4,255 |
| Assets per employee ($millions) | 28.9139% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1985% | 281 |
| Loan loss allowance to noncurrent loans | 171.2604% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9650% | 518 |
| Noncurrent loans to loans | 1.2837% | 551 |
| Net loans and leases to total assets | 63.4200% | 2,518 |
| Net loans and leases to deposits | 86.7374% | 1,557 |
| Net loans and leases to core deposits | 141.7102% | 260 |
| Total domestic deposits to total assets | 73.1200% | 4,159 |
| Equity capital to assets | 9.0619% | 2,630 |
| Core capital (leverage) ratio | 10.2501% | 2,554 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0583% | 2,224 |
| Memoranda: | ||
| Average total assets | $5,710,350,000 | 252 |
| Average earning assets | $5,407,391,000 | 239 |
| Average equity | $502,349,400 | 262 |
| Average total loans | $3,719,053,200 | 253 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6850% | 807 |
| Cost of funding earning assets | 3.1053% | 103 |
| Net interest margin | 2.5797% | 4,053 |
| Noninterest income to average assets | 0.0500% | 4,454 |
| Noninterest expense to average assets | 1.0899% | 4,508 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 0.9821% | 2,417 |
| Return on assets (ROA) | 0.9830% | 2,407 |
| Pretax return on assets | 1.3627% | 1,864 |
| Return on Equity (ROE) | 11.2600% | 2,307 |
| Retained earnings to average equity (ytd only) | 11.2623% | 1,114 |
| Net charge-offs to loans | 0.0874% | 865 |
| Credit loss provision to net charge-offs | 35.0000% | 1,953 |
| Earnings coverage of net charge-offs (x) | 24.6620% | 1,702 |
| Efficiency ratio | 43.6829% | 4,248 |
| Assets per employee ($millions) | 27.5816% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2442% | 277 |
| Loan loss allowance to noncurrent loans | 206.9644% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 0.8819% | 614 |
| Noncurrent loans to loans | 1.0843% | 730 |
| Net loans and leases to total assets | 64.7100% | 2,368 |
| Net loans and leases to deposits | 83.6408% | 1,768 |
| Net loans and leases to core deposits | 144.0484% | 178 |
| Total domestic deposits to total assets | 77.3700% | 3,891 |
| Equity capital to assets | 9.0076% | 2,409 |
| Core capital (leverage) ratio | 9.9055% | 2,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8954% | 2,301 |
| Memoranda: | ||
| Average total assets | $5,663,329,750 | 256 |
| Average earning assets | $5,366,338,000 | 244 |
| Average equity | $494,310,000 | 268 |
| Average total loans | $3,692,531,750 | 258 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 789 |
| Cost of funding earning assets | 2.8929% | 102 |
| Net interest margin | 2.6482% | 4,041 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 1.0994% | 4,537 |
| Loan and lease loss provision to assets | 0.0700% | 1,542 |
| Net operating income to assets | 1.0014% | 2,414 |
| Return on assets (ROA) | 1.0028% | 2,404 |
| Pretax return on assets | 1.3943% | 1,827 |
| Return on Equity (ROE) | 11.6100% | 2,268 |
| Retained earnings to average equity (ytd only) | 11.6149% | 1,059 |
| Net charge-offs to loans | 0.0254% | 1,379 |
| Credit loss provision to net charge-offs | 182.1505% | 1,088 |
| Earnings coverage of net charge-offs (x) | 88.4129% | 999 |
| Efficiency ratio | 42.9847% | 4,300 |
| Assets per employee ($millions) | 27.5648% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3152% | 262 |
| Loan loss allowance to noncurrent loans | 142.2407% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.1182% | 389 |
| Noncurrent loans to loans | 1.6276% | 397 |
| Net loans and leases to total assets | 64.7800% | 2,300 |
| Net loans and leases to deposits | 83.9463% | 1,672 |
| Net loans and leases to core deposits | 143.6230% | 188 |
| Total domestic deposits to total assets | 77.1700% | 3,930 |
| Equity capital to assets | 8.8407% | 2,630 |
| Core capital (leverage) ratio | 9.5689% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7180% | 2,395 |
| Memoranda: | ||
| Average total assets | $5,638,782,667 | 251 |
| Average earning assets | $5,351,449,333 | 241 |
| Average equity | $486,824,667 | 264 |
| Average total loans | $3,657,455,667 | 251 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 823 |
| Cost of funding earning assets | 2.6331% | 78 |
| Net interest margin | 2.6741% | 4,105 |
| Noninterest income to average assets | 0.0400% | 4,561 |
| Noninterest expense to average assets | 1.0726% | 4,612 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.0154% | 2,483 |
| Return on assets (ROA) | 1.0181% | 2,439 |
| Pretax return on assets | 1.4182% | 1,841 |
| Return on Equity (ROE) | 11.9400% | 2,230 |
| Retained earnings to average equity (ytd only) | 11.9374% | 1,281 |
| Net charge-offs to loans | 0.0501% | 869 |
| Credit loss provision to net charge-offs | 64.0798% | 1,267 |
| Earnings coverage of net charge-offs (x) | 46.8381% | 1,122 |
| Efficiency ratio | 41.6335% | 4,398 |
| Assets per employee ($millions) | 30.0648% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3236% | 270 |
| Loan loss allowance to noncurrent loans | 144.2694% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 1.1997% | 303 |
| Noncurrent loans to loans | 1.6106% | 400 |
| Net loans and leases to total assets | 61.4900% | 2,513 |
| Net loans and leases to deposits | 81.8694% | 1,665 |
| Net loans and leases to core deposits | 141.9002% | 171 |
| Total domestic deposits to total assets | 75.1100% | 4,212 |
| Equity capital to assets | 8.2752% | 3,057 |
| Core capital (leverage) ratio | 9.6771% | 3,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7434% | 2,480 |
| Memoranda: | ||
| Average total assets | $5,618,994,500 | 261 |
| Average earning assets | $5,339,877,000 | 246 |
| Average equity | $479,234,500 | 273 |
| Average total loans | $3,603,283,500 | 259 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9939% | 1,732 |
| Cost of funding earning assets | 1.1090% | 101 |
| Net interest margin | 2.8849% | 3,716 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 0.9856% | 4,648 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 1.5798% | 719 |
| Return on assets (ROA) | 1.5798% | 690 |
| Pretax return on assets | 1.8087% | 720 |
| Return on Equity (ROE) | 18.0900% | 687 |
| Retained earnings to average equity (ytd only) | 18.0850% | 139 |
| Net charge-offs to loans | 0.1247% | 623 |
| Credit loss provision to net charge-offs | 45.1868% | 1,842 |
| Earnings coverage of net charge-offs (x) | 23.4344% | 1,814 |
| Efficiency ratio | 34.6007% | 4,615 |
| Assets per employee ($millions) | 29.2045% | 49 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4959% | 213 |
| Loan loss allowance to noncurrent loans | 159.5174% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.2411% | 300 |
| Noncurrent loans to loans | 1.5647% | 410 |
| Net loans and leases to total assets | 63.8000% | 2,264 |
| Net loans and leases to deposits | 83.4573% | 1,504 |
| Net loans and leases to core deposits | 132.4982% | 202 |
| Total domestic deposits to total assets | 76.4400% | 4,227 |
| Equity capital to assets | 8.8115% | 2,483 |
| Core capital (leverage) ratio | 10.2003% | 2,468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3464% | 2,221 |
| Memoranda: | ||
| Average total assets | $4,612,918,600 | 286 |
| Average earning assets | $4,406,928,400 | 275 |
| Average equity | $402,968,600 | 304 |
| Average total loans | $2,941,125,000 | 285 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 2,068 |
| Cost of funding earning assets | 0.7556% | 193 |
| Net interest margin | 2.9373% | 3,392 |
| Noninterest income to average assets | 0.0500% | 4,607 |
| Noninterest expense to average assets | 0.9823% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.7266% | 498 |
| Return on assets (ROA) | 1.7266% | 489 |
| Pretax return on assets | 1.8797% | 616 |
| Return on Equity (ROE) | 19.8200% | 450 |
| Retained earnings to average equity (ytd only) | 19.8169% | 108 |
| Net charge-offs to loans | 0.1621% | 403 |
| Credit loss provision to net charge-offs | -24.7069% | 4,619 |
| Earnings coverage of net charge-offs (x) | 18.3344% | 1,767 |
| Efficiency ratio | 34.3234% | 4,661 |
| Assets per employee ($millions) | 26.6303% | 57 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8017% | 160 |
| Loan loss allowance to noncurrent loans | 154.3762% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 1.3535% | 273 |
| Noncurrent loans to loans | 1.8148% | 348 |
| Net loans and leases to total assets | 59.8700% | 2,517 |
| Net loans and leases to deposits | 81.4855% | 1,486 |
| Net loans and leases to core deposits | 111.6282% | 420 |
| Total domestic deposits to total assets | 73.4700% | 4,464 |
| Equity capital to assets | 8.5790% | 2,494 |
| Core capital (leverage) ratio | 9.9500% | 2,607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0110% | 2,051 |
| Memoranda: | ||
| Average total assets | $4,437,344,500 | 293 |
| Average earning assets | $4,246,638,250 | 282 |
| Average equity | $386,623,250 | 315 |
| Average total loans | $2,806,959,250 | 288 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4431% | 2,315 |
| Cost of funding earning assets | 0.5706% | 347 |
| Net interest margin | 2.8725% | 3,239 |
| Noninterest income to average assets | 0.0453% | 4,642 |
| Noninterest expense to average assets | 0.9767% | 4,701 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8987% | 273 |
| Return on assets (ROA) | 1.8987% | 272 |
| Pretax return on assets | 1.8246% | 562 |
| Return on Equity (ROE) | 21.6648% | 210 |
| Retained earnings to average equity (ytd only) | 21.6648% | 53 |
| Net charge-offs to loans | 0.1153% | 530 |
| Credit loss provision to net charge-offs | -53.4559% | 3,046 |
| Earnings coverage of net charge-offs (x) | 24.7781% | 1,471 |
| Efficiency ratio | 34.8652% | 4,686 |
| Assets per employee ($millions) | 24.3631% | 64 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1469% | 122 |
| Loan loss allowance to noncurrent loans | 126.9253% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.5808% | 215 |
| Noncurrent loans to loans | 2.4793% | 231 |
| Net loans and leases to total assets | 58.9934% | 2,440 |
| Net loans and leases to deposits | 73.4516% | 1,919 |
| Net loans and leases to core deposits | 93.9259% | 917 |
| Total domestic deposits to total assets | 80.3160% | 4,198 |
| Equity capital to assets | 9.1526% | 2,278 |
| Core capital (leverage) ratio | 10.2641% | 2,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2256% | 1,646 |
| Memoranda: | ||
| Average total assets | $4,283,135,333 | 299 |
| Average earning assets | $4,109,310,000 | 290 |
| Average equity | $375,374,000 | 330 |
| Average total loans | $2,736,573,000 | 291 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4451% | 1,961 |
| Cost of funding earning assets | 0.5386% | 398 |
| Net interest margin | 2.9065% | 2,818 |
| Noninterest income to average assets | 0.0410% | 4,680 |
| Noninterest expense to average assets | 1.0189% | 4,714 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.5191% | 120 |
| Return on assets (ROA) | 2.5191% | 115 |
| Pretax return on assets | 1.8172% | 529 |
| Return on Equity (ROE) | 29.4496% | 67 |
| Retained earnings to average equity (ytd only) | 29.4496% | 40 |
| Net charge-offs to loans | 0.1395% | 407 |
| Credit loss provision to net charge-offs | -88.4575% | 2,866 |
| Earnings coverage of net charge-offs (x) | 19.8835% | 1,281 |
| Efficiency ratio | 35.9268% | 4,702 |
| Assets per employee ($millions) | 23.9324% | 70 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3086% | 120 |
| Loan loss allowance to noncurrent loans | 111.6576% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 170 |
| Noncurrent loans to loans | 2.9632% | 186 |
| Net loans and leases to total assets | 59.3621% | 2,140 |
| Net loans and leases to deposits | 68.8464% | 2,067 |
| Net loans and leases to core deposits | 84.7478% | 1,204 |
| Total domestic deposits to total assets | 86.2239% | 3,186 |
| Equity capital to assets | 8.6222% | 3,056 |
| Core capital (leverage) ratio | 9.6784% | 2,619 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5454% | 1,631 |
| Memoranda: | ||
| Average total assets | $4,171,116,500 | 305 |
| Average earning assets | $4,011,115,500 | 298 |
| Average equity | $356,799,000 | 356 |
| Average total loans | $2,732,196,500 | 293 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6024% | 2,383 |
| Cost of funding earning assets | 0.6658% | 382 |
| Net interest margin | 2.9366% | 3,356 |
| Noninterest income to average assets | 0.0536% | 4,716 |
| Noninterest expense to average assets | 1.0435% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7817% | 527 |
| Return on assets (ROA) | 1.7817% | 549 |
| Pretax return on assets | 1.8444% | 829 |
| Return on Equity (ROE) | 22.1334% | 213 |
| Retained earnings to average equity (ytd only) | 22.1334% | 38 |
| Net charge-offs to loans | 0.0884% | 930 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 28.7121% | 1,637 |
| Efficiency ratio | 36.1342% | 4,751 |
| Assets per employee ($millions) | 22.9284% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1334% | 134 |
| Loan loss allowance to noncurrent loans | 112.8730% | 3,275 |
| Noncurrent assets plus other real estate owned to assets | 1.9635% | 162 |
| Noncurrent loans to loans | 2.7761% | 230 |
| Net loans and leases to total assets | 67.6522% | 1,310 |
| Net loans and leases to deposits | 78.4014% | 1,364 |
| Net loans and leases to core deposits | 92.0206% | 879 |
| Total domestic deposits to total assets | 86.2896% | 2,806 |
| Equity capital to assets | 8.4821% | 4,058 |
| Core capital (leverage) ratio | 10.1685% | 2,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4002% | 1,180 |
| Memoranda: | ||
| Average total assets | $3,681,705,200 | 320 |
| Average earning assets | $3,553,394,600 | 308 |
| Average equity | $296,375,800 | 399 |
| Average total loans | $2,676,476,200 | 290 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6651% | 2,364 |
| Cost of funding earning assets | 0.7100% | 360 |
| Net interest margin | 2.9551% | 3,429 |
| Noninterest income to average assets | 0.0556% | 4,793 |
| Noninterest expense to average assets | 1.0732% | 4,818 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7720% | 703 |
| Return on assets (ROA) | 1.7720% | 738 |
| Pretax return on assets | 1.8343% | 1,083 |
| Return on Equity (ROE) | 22.3525% | 284 |
| Retained earnings to average equity (ytd only) | 22.3525% | 82 |
| Net charge-offs to loans | 0.0265% | 1,513 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 94.1927% | 898 |
| Efficiency ratio | 36.9103% | 4,796 |
| Assets per employee ($millions) | 22.7085% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2165% | 126 |
| Loan loss allowance to noncurrent loans | 229.9462% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.1274% | 547 |
| Noncurrent loans to loans | 1.3988% | 761 |
| Net loans and leases to total assets | 69.4329% | 1,138 |
| Net loans and leases to deposits | 77.8769% | 1,494 |
| Net loans and leases to core deposits | 89.6436% | 1,052 |
| Total domestic deposits to total assets | 89.1572% | 1,195 |
| Equity capital to assets | 7.8911% | 4,566 |
| Core capital (leverage) ratio | 9.5980% | 2,911 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5224% | 1,244 |
| Memoranda: | ||
| Average total assets | $3,587,547,750 | 328 |
| Average earning assets | $3,462,324,250 | 312 |
| Average equity | $284,411,500 | 411 |
| Average total loans | $2,637,003,750 | 293 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6824% | 2,386 |
| Cost of funding earning assets | 0.7835% | 310 |
| Net interest margin | 2.8989% | 3,576 |
| Noninterest income to average assets | 0.0572% | 4,821 |
| Noninterest expense to average assets | 1.0523% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.7413% | 812 |
| Return on assets (ROA) | 1.7413% | 857 |
| Pretax return on assets | 1.8025% | 1,226 |
| Return on Equity (ROE) | 21.9270% | 324 |
| Retained earnings to average equity (ytd only) | 21.9270% | 112 |
| Net charge-offs to loans | 0.0395% | 1,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 61.5108% | 959 |
| Efficiency ratio | 36.8605% | 4,823 |
| Assets per employee ($millions) | 24.0956% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3108% | 115 |
| Loan loss allowance to noncurrent loans | 210.7160% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2814% | 504 |
| Noncurrent loans to loans | 1.5712% | 708 |
| Net loans and leases to total assets | 70.8979% | 1,100 |
| Net loans and leases to deposits | 79.6062% | 1,466 |
| Net loans and leases to core deposits | 91.8660% | 1,015 |
| Total domestic deposits to total assets | 89.0608% | 1,255 |
| Equity capital to assets | 7.8515% | 4,601 |
| Core capital (leverage) ratio | 9.6684% | 2,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6733% | 1,193 |
| Memoranda: | ||
| Average total assets | $3,473,874,333 | 336 |
| Average earning assets | $3,352,638,000 | 318 |
| Average equity | $275,879,333 | 415 |
| Average total loans | $2,576,547,000 | 297 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7450% | 2,252 |
| Cost of funding earning assets | 0.8079% | 336 |
| Net interest margin | 2.9371% | 3,416 |
| Noninterest income to average assets | 0.0504% | 4,853 |
| Noninterest expense to average assets | 1.0808% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7447% | 877 |
| Return on assets (ROA) | 1.7447% | 927 |
| Pretax return on assets | 1.8059% | 1,280 |
| Return on Equity (ROE) | 21.8308% | 404 |
| Retained earnings to average equity (ytd only) | 21.8308% | 213 |
| Net charge-offs to loans | 0.0375% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 64.5085% | 791 |
| Efficiency ratio | 37.4404% | 4,821 |
| Assets per employee ($millions) | 21.7449% | 82 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4830% | 100 |
| Loan loss allowance to noncurrent loans | 259.0628% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 1.1284% | 689 |
| Noncurrent loans to loans | 1.3445% | 956 |
| Net loans and leases to total assets | 72.8899% | 912 |
| Net loans and leases to deposits | 82.1772% | 1,323 |
| Net loans and leases to core deposits | 95.4336% | 908 |
| Total domestic deposits to total assets | 88.6984% | 1,505 |
| Equity capital to assets | 7.9201% | 4,534 |
| Core capital (leverage) ratio | 10.1033% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3406% | 1,212 |
| Memoranda: | ||
| Average total assets | $3,343,404,000 | 344 |
| Average earning assets | $3,228,725,500 | 328 |
| Average equity | $267,200,000 | 421 |
| Average total loans | $2,495,534,000 | 304 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3095% | 1,845 |
| Cost of funding earning assets | 1.4214% | 115 |
| Net interest margin | 2.8881% | 4,131 |
| Noninterest income to average assets | 0.0296% | 4,902 |
| Noninterest expense to average assets | 1.1669% | 4,906 |
| Loan and lease loss provision to assets | 0.1101% | 2,967 |
| Net operating income to assets | 1.5003% | 810 |
| Return on assets (ROA) | 1.5701% | 743 |
| Pretax return on assets | 1.6176% | 1,040 |
| Return on Equity (ROE) | 18.5704% | 295 |
| Retained earnings to average equity (ytd only) | 10.0483% | 575 |
| Net charge-offs to loans | 0.0179% | 2,732 |
| Credit loss provision to net charge-offs | 782.9268% | 918 |
| Earnings coverage of net charge-offs (x) | 117.7000% | 714 |
| Efficiency ratio | 41.3410% | 4,848 |
| Assets per employee ($millions) | 20.3105% | 89 |
| Cash dividends to net income (ytd only)* | 45.8906% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8310% | 72 |
| Loan loss allowance to noncurrent loans | 337.6588% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.9572% | 1,010 |
| Noncurrent loans to loans | 1.1346% | 1,251 |
| Net loans and leases to total assets | 70.8752% | 1,447 |
| Net loans and leases to deposits | 80.1753% | 1,847 |
| Net loans and leases to core deposits | 93.7918% | 1,258 |
| Total domestic deposits to total assets | 88.4003% | 1,276 |
| Equity capital to assets | 8.0686% | 4,680 |
| Core capital (leverage) ratio | 9.9687% | 2,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9809% | 1,057 |
| Memoranda: | ||
| Average total assets | $2,914,493,200 | 348 |
| Average earning assets | $2,818,565,600 | 330 |
| Average equity | $246,419,600 | 424 |
| Average total loans | $2,295,900,000 | 313 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 1,855 |
| Cost of funding earning assets | 1.4841% | 130 |
| Net interest margin | 2.9124% | 4,160 |
| Noninterest income to average assets | 0.0257% | 4,941 |
| Noninterest expense to average assets | 1.1585% | 4,946 |
| Loan and lease loss provision to assets | 0.1509% | 2,511 |
| Net operating income to assets | 1.4930% | 924 |
| Return on assets (ROA) | 1.5888% | 821 |
| Pretax return on assets | 1.6300% | 1,103 |
| Return on Equity (ROE) | 18.5495% | 322 |
| Retained earnings to average equity (ytd only) | 7.0216% | 1,679 |
| Net charge-offs to loans | 0.0192% | 2,472 |
| Credit loss provision to net charge-offs | 978.6585% | 839 |
| Earnings coverage of net charge-offs (x) | 109.0823% | 747 |
| Efficiency ratio | 40.7829% | 4,877 |
| Assets per employee ($millions) | 21.6250% | 73 |
| Cash dividends to net income (ytd only)* | 62.1467% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7535% | 74 |
| Loan loss allowance to noncurrent loans | 326.3015% | 1,532 |
| Noncurrent assets plus other real estate owned to assets | 1.0096% | 1,095 |
| Noncurrent loans to loans | 1.1503% | 1,318 |
| Net loans and leases to total assets | 74.1164% | 1,356 |
| Net loans and leases to deposits | 83.9308% | 1,920 |
| Net loans and leases to core deposits | 99.0686% | 1,235 |
| Total domestic deposits to total assets | 88.3066% | 1,058 |
| Equity capital to assets | 7.8720% | 4,754 |
| Core capital (leverage) ratio | 10.2478% | 2,489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9627% | 1,065 |
| Memoranda: | ||
| Average total assets | $2,835,775,250 | 351 |
| Average earning assets | $2,740,993,250 | 329 |
| Average equity | $242,883,000 | 418 |
| Average total loans | $2,274,875,750 | 310 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 1,741 |
| Cost of funding earning assets | 1.5748% | 128 |
| Net interest margin | 2.9900% | 4,144 |
| Noninterest income to average assets | 0.0149% | 4,983 |
| Noninterest expense to average assets | 1.1536% | 4,985 |
| Loan and lease loss provision to assets | 0.2353% | 1,798 |
| Net operating income to assets | 1.4778% | 960 |
| Return on assets (ROA) | 1.6266% | 791 |
| Pretax return on assets | 1.6616% | 1,071 |
| Return on Equity (ROE) | 18.4168% | 339 |
| Retained earnings to average equity (ytd only) | 6.7984% | 1,739 |
| Net charge-offs to loans | -0.0043% | 3,971 |
| Credit loss provision to net charge-offs | -6,687.5000% | 4,151 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7972% | 4,921 |
| Assets per employee ($millions) | 17.4467% | 112 |
| Cash dividends to net income (ytd only)* | 63.0858% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7897% | 74 |
| Loan loss allowance to noncurrent loans | 313.4569% | 1,492 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 1,013 |
| Noncurrent loans to loans | 1.2090% | 1,300 |
| Net loans and leases to total assets | 80.3277% | 560 |
| Net loans and leases to deposits | 91.7374% | 1,189 |
| Net loans and leases to core deposits | 111.6712% | 683 |
| Total domestic deposits to total assets | 87.5627% | 1,396 |
| Equity capital to assets | 8.0902% | 4,675 |
| Core capital (leverage) ratio | 10.3260% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5935% | 1,117 |
| Memoranda: | ||
| Average total assets | $2,728,615,333 | 358 |
| Average earning assets | $2,631,766,667 | 332 |
| Average equity | $240,997,667 | 418 |
| Average total loans | $2,222,732,667 | 312 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9023% | 1,185 |
| Cost of funding earning assets | 1.6394% | 167 |
| Net interest margin | 3.2629% | 3,682 |
| Noninterest income to average assets | -0.0151% | 5,078 |
| Noninterest expense to average assets | 1.1151% | 5,039 |
| Loan and lease loss provision to assets | 0.4855% | 609 |
| Net operating income to assets | 1.5047% | 773 |
| Return on assets (ROA) | 1.7373% | 521 |
| Pretax return on assets | 1.7539% | 762 |
| Return on Equity (ROE) | 18.8046% | 219 |
| Retained earnings to average equity (ytd only) | -4.1139% | 4,447 |
| Net charge-offs to loans | -0.0072% | 3,963 |
| Credit loss provision to net charge-offs | -8,447.3684% | 3,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7444% | 5,030 |
| Assets per employee ($millions) | 15.4818% | 121 |
| Cash dividends to net income (ytd only)* | 121.8769% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0645% | 69 |
| Loan loss allowance to noncurrent loans | 334.2917% | 1,389 |
| Noncurrent assets plus other real estate owned to assets | 1.1131% | 1,165 |
| Noncurrent loans to loans | 1.2159% | 1,343 |
| Net loans and leases to total assets | 78.4777% | 907 |
| Net loans and leases to deposits | 89.0680% | 1,633 |
| Net loans and leases to core deposits | 108.5631% | 920 |
| Total domestic deposits to total assets | 88.1098% | 1,068 |
| Equity capital to assets | 7.9373% | 4,983 |
| Core capital (leverage) ratio | 10.6557% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6825% | 1,424 |
| Memoranda: | ||
| Average total assets | $2,644,846,500 | 354 |
| Average earning assets | $2,540,945,500 | 335 |
| Average equity | $244,344,500 | 418 |
| Average total loans | $2,125,074,000 | 315 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 994 |
| Cost of funding earning assets | 1.6168% | 276 |
| Net interest margin | 3.5830% | 3,193 |
| Noninterest income to average assets | 0.0788% | 4,975 |
| Noninterest expense to average assets | 1.2631% | 5,078 |
| Loan and lease loss provision to assets | 0.0421% | 3,169 |
| Net operating income to assets | 2.1583% | 243 |
| Return on assets (ROA) | 2.1583% | 255 |
| Pretax return on assets | 2.2366% | 359 |
| Return on Equity (ROE) | 19.7498% | 227 |
| Retained earnings to average equity (ytd only) | 8.8073% | 762 |
| Net charge-offs to loans | -0.0910% | 4,941 |
| Credit loss provision to net charge-offs | -56.4369% | 4,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6634% | 5,110 |
| Assets per employee ($millions) | 15.4508% | 113 |
| Cash dividends to net income (ytd only)* | 55.4057% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2099% | 2,382 |
| Loan loss allowance to noncurrent loans | 156.1461% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 1,647 |
| Noncurrent loans to loans | 0.7749% | 1,964 |
| Net loans and leases to total assets | 77.8126% | 1,108 |
| Net loans and leases to deposits | 91.4582% | 1,436 |
| Net loans and leases to core deposits | 110.6743% | 818 |
| Total domestic deposits to total assets | 85.0799% | 2,458 |
| Equity capital to assets | 10.6536% | 3,306 |
| Core capital (leverage) ratio | 11.0309% | 2,479 |
| Tier 1 risk-based capital ratio | 15.4463% | 2,599 |
| Total risk-based capital ratio | 16.6982% | 2,528 |
| Memoranda: | ||
| Average total assets | $2,199,339,600 | 392 |
| Average earning assets | $2,125,629,600 | 366 |
| Average equity | $240,347,000 | 406 |
| Average total loans | $1,800,655,800 | 355 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3001% | 864 |
| Cost of funding earning assets | 1.5995% | 299 |
| Net interest margin | 3.7006% | 2,916 |
| Noninterest income to average assets | 0.0854% | 5,030 |
| Noninterest expense to average assets | 1.3027% | 5,143 |
| Loan and lease loss provision to assets | 0.0583% | 2,732 |
| Net operating income to assets | 2.2196% | 264 |
| Return on assets (ROA) | 2.2196% | 273 |
| Pretax return on assets | 2.3001% | 368 |
| Return on Equity (ROE) | 20.1593% | 240 |
| Retained earnings to average equity (ytd only) | 9.3988% | 925 |
| Net charge-offs to loans | -0.0020% | 4,056 |
| Credit loss provision to net charge-offs | -3,557.6923% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5820% | 5,182 |
| Assets per employee ($millions) | 14.7624% | 130 |
| Cash dividends to net income (ytd only)* | 53.3772% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1934% | 2,545 |
| Loan loss allowance to noncurrent loans | 204.9009% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.7110% | 1,927 |
| Noncurrent loans to loans | 0.5824% | 2,539 |
| Net loans and leases to total assets | 79.4870% | 917 |
| Net loans and leases to deposits | 94.0005% | 1,214 |
| Net loans and leases to core deposits | 114.8796% | 712 |
| Total domestic deposits to total assets | 84.5602% | 2,602 |
| Equity capital to assets | 10.7497% | 3,331 |
| Core capital (leverage) ratio | 11.0220% | 2,621 |
| Tier 1 risk-based capital ratio | 14.9767% | 2,860 |
| Total risk-based capital ratio | 16.2281% | 2,789 |
| Memoranda: | ||
| Average total assets | $2,115,691,250 | 408 |
| Average earning assets | $2,044,256,750 | 383 |
| Average equity | $232,945,000 | 418 |
| Average total loans | $1,751,853,250 | 366 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2911% | 829 |
| Cost of funding earning assets | 1.5650% | 306 |
| Net interest margin | 3.7261% | 2,850 |
| Noninterest income to average assets | 0.0911% | 5,069 |
| Noninterest expense to average assets | 1.3277% | 5,194 |
| Loan and lease loss provision to assets | 0.0368% | 3,079 |
| Net operating income to assets | 2.2447% | 242 |
| Return on assets (ROA) | 2.2447% | 251 |
| Pretax return on assets | 2.3261% | 338 |
| Return on Equity (ROE) | 20.2034% | 244 |
| Retained earnings to average equity (ytd only) | 7.5757% | 1,568 |
| Net charge-offs to loans | -0.0020% | 3,954 |
| Credit loss provision to net charge-offs | -2,205.8824% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9758% | 5,219 |
| Assets per employee ($millions) | 14.1919% | 123 |
| Cash dividends to net income (ytd only)* | 62.5027% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 2,485 |
| Loan loss allowance to noncurrent loans | 202.0410% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 1,835 |
| Noncurrent loans to loans | 0.5977% | 2,480 |
| Net loans and leases to total assets | 82.2583% | 562 |
| Net loans and leases to deposits | 95.6474% | 1,074 |
| Net loans and leases to core deposits | 120.2612% | 537 |
| Total domestic deposits to total assets | 86.0016% | 2,032 |
| Equity capital to assets | 10.6714% | 3,364 |
| Core capital (leverage) ratio | 11.2791% | 2,346 |
| Tier 1 risk-based capital ratio | 14.1408% | 3,246 |
| Total risk-based capital ratio | 15.3922% | 3,163 |
| Memoranda: | ||
| Average total assets | $2,038,514,000 | 420 |
| Average earning assets | $1,969,237,330 | 398 |
| Average equity | $226,487,000 | 428 |
| Average total loans | $1,706,380,330 | 375 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 673 |
| Cost of funding earning assets | 1.5338% | 293 |
| Net interest margin | 3.8307% | 2,418 |
| Noninterest income to average assets | 0.0999% | 5,078 |
| Noninterest expense to average assets | 1.3588% | 5,240 |
| Loan and lease loss provision to assets | 0.0560% | 2,548 |
| Net operating income to assets | 2.3005% | 220 |
| Return on assets (ROA) | 2.3005% | 231 |
| Pretax return on assets | 2.3839% | 307 |
| Return on Equity (ROE) | 20.2603% | 250 |
| Retained earnings to average equity (ytd only) | 9.5036% | 1,159 |
| Net charge-offs to loans | -0.0022% | 3,869 |
| Credit loss provision to net charge-offs | -3,055.5556% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7698% | 5,272 |
| Assets per employee ($millions) | 13.6355% | 142 |
| Cash dividends to net income (ytd only)* | 53.0926% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3079% | 2,055 |
| Loan loss allowance to noncurrent loans | 198.1695% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8401% | 1,688 |
| Noncurrent loans to loans | 0.6600% | 2,365 |
| Net loans and leases to total assets | 82.8880% | 482 |
| Net loans and leases to deposits | 94.3474% | 1,130 |
| Net loans and leases to core deposits | 121.0737% | 495 |
| Total domestic deposits to total assets | 87.8541% | 1,412 |
| Equity capital to assets | 11.3646% | 2,511 |
| Core capital (leverage) ratio | 11.5969% | 2,057 |
| Tier 1 risk-based capital ratio | 14.3586% | 3,165 |
| Total risk-based capital ratio | 15.6106% | 3,094 |
| Memoranda: | ||
| Average total assets | $1,964,996,500 | 434 |
| Average earning assets | $1,897,280,500 | 416 |
| Average equity | $223,116,500 | 432 |
| Average total loans | $1,649,684,500 | 389 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1396% | 785 |
| Cost of funding earning assets | 1.2088% | 328 |
| Net interest margin | 3.9308% | 2,224 |
| Noninterest income to average assets | 0.1228% | 5,065 |
| Noninterest expense to average assets | 1.3171% | 5,296 |
| Loan and lease loss provision to assets | 0.1545% | 1,361 |
| Net operating income to assets | 2.3790% | 179 |
| Return on assets (ROA) | 2.3790% | 174 |
| Pretax return on assets | 2.4462% | 232 |
| Return on Equity (ROE) | 20.9498% | 199 |
| Retained earnings to average equity (ytd only) | 6.4931% | 1,929 |
| Net charge-offs to loans | -0.0556% | 5,009 |
| Credit loss provision to net charge-offs | -335.7934% | 4,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.6180% | 5,344 |
| Assets per employee ($millions) | 13.4668% | 141 |
| Cash dividends to net income (ytd only)* | 69.0065% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3263% | 1,917 |
| Loan loss allowance to noncurrent loans | 191.7555% | 2,318 |
| Noncurrent assets plus other real estate owned to assets | 0.8739% | 1,591 |
| Noncurrent loans to loans | 0.6917% | 2,259 |
| Net loans and leases to total assets | 82.8067% | 542 |
| Net loans and leases to deposits | 94.7193% | 1,202 |
| Net loans and leases to core deposits | 119.1119% | 575 |
| Total domestic deposits to total assets | 87.4233% | 1,579 |
| Equity capital to assets | 11.3442% | 2,374 |
| Core capital (leverage) ratio | 11.4308% | 2,156 |
| Tier 1 risk-based capital ratio | 14.3573% | 3,140 |
| Total risk-based capital ratio | 15.6094% | 3,052 |
| Memoranda: | ||
| Average total assets | $1,766,488,200 | 464 |
| Average earning assets | $1,705,472,000 | 443 |
| Average equity | $200,599,000 | 447 |
| Average total loans | $1,461,577,000 | 409 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 789 |
| Cost of funding earning assets | 1.1095% | 379 |
| Net interest margin | 3.9739% | 2,034 |
| Noninterest income to average assets | 0.1268% | 5,113 |
| Noninterest expense to average assets | 1.3205% | 5,362 |
| Loan and lease loss provision to assets | 0.1358% | 1,474 |
| Net operating income to assets | 2.4195% | 179 |
| Return on assets (ROA) | 2.4195% | 179 |
| Pretax return on assets | 2.5060% | 232 |
| Return on Equity (ROE) | 21.2999% | 197 |
| Retained earnings to average equity (ytd only) | 5.9748% | 2,671 |
| Net charge-offs to loans | -0.0387% | 4,843 |
| Credit loss provision to net charge-offs | -425.9709% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.3262% | 5,412 |
| Assets per employee ($millions) | 13.5583% | 135 |
| Cash dividends to net income (ytd only)* | 71.9493% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 2,266 |
| Loan loss allowance to noncurrent loans | 218.1475% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.7822% | 1,903 |
| Noncurrent loans to loans | 0.5813% | 2,638 |
| Net loans and leases to total assets | 82.2989% | 662 |
| Net loans and leases to deposits | 93.3480% | 1,460 |
| Net loans and leases to core deposits | 115.4988% | 738 |
| Total domestic deposits to total assets | 88.1635% | 1,166 |
| Equity capital to assets | 11.1922% | 2,481 |
| Core capital (leverage) ratio | 11.4641% | 2,198 |
| Tier 1 risk-based capital ratio | 14.2079% | 3,267 |
| Total risk-based capital ratio | 15.4591% | 3,179 |
| Memoranda: | ||
| Average total assets | $1,723,307,250 | 475 |
| Average earning assets | $1,663,252,500 | 448 |
| Average equity | $195,751,500 | 459 |
| Average total loans | $1,420,125,750 | 415 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9951% | 837 |
| Cost of funding earning assets | 0.9757% | 524 |
| Net interest margin | 4.0194% | 1,793 |
| Noninterest income to average assets | 0.1739% | 4,953 |
| Noninterest expense to average assets | 1.2932% | 5,433 |
| Loan and lease loss provision to assets | 0.1993% | 864 |
| Net operating income to assets | 2.4765% | 156 |
| Return on assets (ROA) | 2.4765% | 155 |
| Pretax return on assets | 2.5663% | 200 |
| Return on Equity (ROE) | 21.6796% | 171 |
| Retained earnings to average equity (ytd only) | 5.8635% | 2,631 |
| Net charge-offs to loans | -0.0599% | 4,978 |
| Credit loss provision to net charge-offs | -405.6373% | 4,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8615% | 5,485 |
| Assets per employee ($millions) | 12.9591% | 150 |
| Cash dividends to net income (ytd only)* | 72.9537% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 2,017 |
| Loan loss allowance to noncurrent loans | 303.6902% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.6796% | 2,203 |
| Noncurrent loans to loans | 0.4392% | 3,118 |
| Net loans and leases to total assets | 80.1393% | 994 |
| Net loans and leases to deposits | 90.4856% | 1,784 |
| Net loans and leases to core deposits | 113.3188% | 822 |
| Total domestic deposits to total assets | 88.5658% | 1,114 |
| Equity capital to assets | 10.8523% | 2,781 |
| Core capital (leverage) ratio | 11.5903% | 1,991 |
| Tier 1 risk-based capital ratio | 14.1937% | 3,269 |
| Total risk-based capital ratio | 15.4459% | 3,180 |
| Memoranda: | ||
| Average total assets | $1,660,503,670 | 490 |
| Average earning assets | $1,604,980,000 | 466 |
| Average equity | $189,681,000 | 464 |
| Average total loans | $1,362,324,670 | 427 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8716% | 926 |
| Cost of funding earning assets | 0.8894% | 631 |
| Net interest margin | 3.9821% | 1,781 |
| Noninterest income to average assets | 0.0365% | 5,503 |
| Noninterest expense to average assets | 1.3060% | 5,498 |
| Loan and lease loss provision to assets | 0.1255% | 1,501 |
| Net operating income to assets | 2.3818% | 176 |
| Return on assets (ROA) | 2.3818% | 179 |
| Pretax return on assets | 2.4683% | 228 |
| Return on Equity (ROE) | 20.2956% | 229 |
| Retained earnings to average equity (ytd only) | 7.5897% | 1,995 |
| Net charge-offs to loans | -0.1121% | 5,244 |
| Credit loss provision to net charge-offs | -135.7527% | 3,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.4884% | 5,541 |
| Assets per employee ($millions) | 13.2809% | 142 |
| Cash dividends to net income (ytd only)* | 62.6043% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 2,032 |
| Loan loss allowance to noncurrent loans | 295.3976% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 2,041 |
| Noncurrent loans to loans | 0.4559% | 3,168 |
| Net loans and leases to total assets | 81.6375% | 704 |
| Net loans and leases to deposits | 93.2620% | 1,307 |
| Net loans and leases to core deposits | 115.6035% | 740 |
| Total domestic deposits to total assets | 87.5357% | 1,878 |
| Equity capital to assets | 11.8369% | 1,890 |
| Core capital (leverage) ratio | 11.9823% | 1,666 |
| Tier 1 risk-based capital ratio | 15.0640% | 2,839 |
| Total risk-based capital ratio | 16.3163% | 2,778 |
| Memoranda: | ||
| Average total assets | $1,609,534,500 | 506 |
| Average earning assets | $1,561,468,500 | 478 |
| Average equity | $188,888,500 | 472 |
| Average total loans | $1,327,736,000 | 437 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6642% | 1,276 |
| Cost of funding earning assets | 0.7108% | 971 |
| Net interest margin | 3.9534% | 1,907 |
| Noninterest income to average assets | 0.0458% | 5,542 |
| Noninterest expense to average assets | 1.3205% | 5,553 |
| Loan and lease loss provision to assets | 0.1645% | 1,346 |
| Net operating income to assets | 2.3069% | 159 |
| Return on assets (ROA) | 2.3069% | 158 |
| Pretax return on assets | 2.3862% | 222 |
| Return on Equity (ROE) | 21.2707% | 152 |
| Retained earnings to average equity (ytd only) | 4.6206% | 2,380 |
| Net charge-offs to loans | 0.2221% | 1,167 |
| Credit loss provision to net charge-offs | 89.3411% | 2,804 |
| Earnings coverage of net charge-offs (x) | 13.8516% | 2,365 |
| Efficiency ratio | 34.1108% | 5,605 |
| Assets per employee ($millions) | 14.0181% | 114 |
| Cash dividends to net income (ytd only)* | 78.2773% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2846% | 2,293 |
| Loan loss allowance to noncurrent loans | 261.3166% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7902% | 1,973 |
| Noncurrent loans to loans | 0.4916% | 3,046 |
| Net loans and leases to total assets | 81.1764% | 806 |
| Net loans and leases to deposits | 92.4601% | 1,459 |
| Net loans and leases to core deposits | 113.3843% | 823 |
| Total domestic deposits to total assets | 87.7962% | 1,608 |
| Equity capital to assets | 11.6346% | 2,093 |
| Core capital (leverage) ratio | 12.0869% | 1,558 |
| Tier 1 risk-based capital ratio | 15.0345% | 2,839 |
| Total risk-based capital ratio | 16.2863% | 2,762 |
| Memoranda: | ||
| Average total assets | $1,401,042,400 | 549 |
| Average earning assets | $1,355,719,600 | 522 |
| Average equity | $151,950,600 | 540 |
| Average total loans | $1,161,754,800 | 470 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,284 |
| Cost of funding earning assets | 0.6627% | 1,167 |
| Net interest margin | 3.9730% | 1,794 |
| Noninterest income to average assets | 0.0987% | 5,479 |
| Noninterest expense to average assets | 1.3211% | 5,607 |
| Loan and lease loss provision to assets | 0.1557% | 1,325 |
| Net operating income to assets | 2.3704% | 162 |
| Return on assets (ROA) | 2.3704% | 164 |
| Pretax return on assets | 2.4619% | 220 |
| Return on Equity (ROE) | 22.3415% | 127 |
| Retained earnings to average equity (ytd only) | 4.3527% | 3,314 |
| Net charge-offs to loans | 0.2956% | 717 |
| Credit loss provision to net charge-offs | 63.3803% | 2,766 |
| Earnings coverage of net charge-offs (x) | 10.6523% | 2,575 |
| Efficiency ratio | 33.5400% | 5,669 |
| Assets per employee ($millions) | 13.4487% | 123 |
| Cash dividends to net income (ytd only)* | 80.5173% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2934% | 2,385 |
| Loan loss allowance to noncurrent loans | 256.6531% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.9678% | 1,757 |
| Noncurrent loans to loans | 0.5040% | 3,190 |
| Net loans and leases to total assets | 83.0651% | 541 |
| Net loans and leases to deposits | 95.3110% | 1,172 |
| Net loans and leases to core deposits | 112.3929% | 909 |
| Total domestic deposits to total assets | 87.1516% | 1,796 |
| Equity capital to assets | 10.7893% | 3,076 |
| Core capital (leverage) ratio | 11.1542% | 2,318 |
| Tier 1 risk-based capital ratio | 13.4721% | 3,721 |
| Total risk-based capital ratio | 14.7239% | 3,633 |
| Memoranda: | ||
| Average total assets | $1,348,282,750 | 570 |
| Average earning assets | $1,303,168,500 | 545 |
| Average equity | $143,048,500 | 572 |
| Average total loans | $1,120,778,500 | 488 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5591% | 1,361 |
| Cost of funding earning assets | 0.5898% | 1,513 |
| Net interest margin | 3.9693% | 1,714 |
| Noninterest income to average assets | 0.0929% | 5,546 |
| Noninterest expense to average assets | 1.3493% | 5,646 |
| Loan and lease loss provision to assets | 0.0540% | 2,895 |
| Net operating income to assets | 2.4367% | 143 |
| Return on assets (ROA) | 2.4367% | 143 |
| Pretax return on assets | 2.5251% | 204 |
| Return on Equity (ROE) | 23.1180% | 103 |
| Retained earnings to average equity (ytd only) | 5.5434% | 2,382 |
| Net charge-offs to loans | 0.4519% | 446 |
| Credit loss provision to net charge-offs | 14.4509% | 2,824 |
| Earnings coverage of net charge-offs (x) | 6.8984% | 2,661 |
| Efficiency ratio | 34.3471% | 5,709 |
| Assets per employee ($millions) | 13.1284% | 130 |
| Cash dividends to net income (ytd only)* | 76.0215% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 2,415 |
| Loan loss allowance to noncurrent loans | 245.1795% | 1,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0158% | 1,721 |
| Noncurrent loans to loans | 0.5301% | 3,173 |
| Net loans and leases to total assets | 81.5824% | 729 |
| Net loans and leases to deposits | 101.3170% | 653 |
| Net loans and leases to core deposits | 117.1115% | 678 |
| Total domestic deposits to total assets | 80.5219% | 4,305 |
| Equity capital to assets | 10.6582% | 3,163 |
| Core capital (leverage) ratio | 11.3709% | 2,072 |
| Tier 1 risk-based capital ratio | 13.7414% | 3,565 |
| Total risk-based capital ratio | 14.9935% | 3,479 |
| Memoranda: | ||
| Average total assets | $1,295,627,330 | 595 |
| Average earning assets | $1,251,960,330 | 566 |
| Average equity | $136,560,000 | 600 |
| Average total loans | $1,071,850,670 | 503 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4377% | 1,535 |
| Cost of funding earning assets | 0.5222% | 1,924 |
| Net interest margin | 3.9156% | 1,724 |
| Noninterest income to average assets | 0.0774% | 5,652 |
| Noninterest expense to average assets | 1.4020% | 5,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.3676% | 173 |
| Return on assets (ROA) | 2.3676% | 175 |
| Pretax return on assets | 2.4535% | 234 |
| Return on Equity (ROE) | 22.6082% | 132 |
| Retained earnings to average equity (ytd only) | 4.0439% | 3,438 |
| Net charge-offs to loans | 0.0462% | 1,926 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 64.1695% | 768 |
| Efficiency ratio | 36.3644% | 5,750 |
| Assets per employee ($millions) | 11.6636% | 186 |
| Cash dividends to net income (ytd only)* | 82.1130% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6064% | 1,364 |
| Loan loss allowance to noncurrent loans | 204.7046% | 2,213 |
| Noncurrent assets plus other real estate owned to assets | 1.2639% | 1,355 |
| Noncurrent loans to loans | 0.7847% | 2,496 |
| Net loans and leases to total assets | 80.5862% | 756 |
| Net loans and leases to deposits | 96.3778% | 905 |
| Net loans and leases to core deposits | 112.0246% | 773 |
| Total domestic deposits to total assets | 83.6149% | 3,617 |
| Equity capital to assets | 10.1808% | 3,530 |
| Core capital (leverage) ratio | 11.0636% | 2,296 |
| Tier 1 risk-based capital ratio | 13.4972% | 3,780 |
| Total risk-based capital ratio | 14.7537% | 3,688 |
| Memoranda: | ||
| Average total assets | $1,234,505,500 | 622 |
| Average earning assets | $1,191,147,500 | 596 |
| Average equity | $129,280,500 | 632 |
| Average total loans | $1,021,793,000 | 527 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 1,180 |
| Cost of funding earning assets | 0.4700% | 2,351 |
| Net interest margin | 4.1740% | 1,179 |
| Noninterest income to average assets | 0.2836% | 4,715 |
| Noninterest expense to average assets | 1.5706% | 5,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.6319% | 121 |
| Return on assets (ROA) | 2.6319% | 122 |
| Pretax return on assets | 2.7211% | 149 |
| Return on Equity (ROE) | 23.6155% | 103 |
| Retained earnings to average equity (ytd only) | 15.2513% | 103 |
| Net charge-offs to loans | -0.2231% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5959% | 5,821 |
| Assets per employee ($millions) | 10.3811% | 277 |
| Cash dividends to net income (ytd only)* | 35.4183% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7773% | 982 |
| Loan loss allowance to noncurrent loans | 243.6295% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.1068% | 1,686 |
| Noncurrent loans to loans | 0.7295% | 2,705 |
| Net loans and leases to total assets | 82.2558% | 572 |
| Net loans and leases to deposits | 101.1584% | 590 |
| Net loans and leases to core deposits | 115.7485% | 628 |
| Total domestic deposits to total assets | 81.3138% | 4,254 |
| Equity capital to assets | 10.7998% | 2,815 |
| Core capital (leverage) ratio | 11.4580% | 1,964 |
| Tier 1 risk-based capital ratio | 13.6147% | 3,696 |
| Total risk-based capital ratio | 14.8729% | 3,599 |
| Memoranda: | ||
| Average total assets | $1,040,566,800 | 692 |
| Average earning assets | $999,204,400 | 664 |
| Average equity | $115,970,200 | 693 |
| Average total loans | $867,863,600 | 584 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,305 |
| Cost of funding earning assets | 0.4685% | 2,381 |
| Net interest margin | 4.1259% | 1,321 |
| Noninterest income to average assets | 0.3584% | 4,215 |
| Noninterest expense to average assets | 1.6058% | 5,684 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6148% | 140 |
| Return on assets (ROA) | 2.6148% | 141 |
| Pretax return on assets | 2.7095% | 164 |
| Return on Equity (ROE) | 23.2542% | 119 |
| Retained earnings to average equity (ytd only) | 11.8666% | 321 |
| Net charge-offs to loans | -0.1837% | 5,738 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2121% | 5,875 |
| Assets per employee ($millions) | 9.4390% | 359 |
| Cash dividends to net income (ytd only)* | 48.9701% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 941 |
| Loan loss allowance to noncurrent loans | 489.1388% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.8650% | 2,390 |
| Noncurrent loans to loans | 0.3762% | 3,917 |
| Net loans and leases to total assets | 83.4084% | 467 |
| Net loans and leases to deposits | 104.2587% | 440 |
| Net loans and leases to core deposits | 117.9111% | 575 |
| Total domestic deposits to total assets | 80.0014% | 4,512 |
| Equity capital to assets | 11.2306% | 2,764 |
| Core capital (leverage) ratio | 11.3729% | 2,136 |
| Tier 1 risk-based capital ratio | 13.6947% | 3,748 |
| Total risk-based capital ratio | 14.9534% | 3,656 |
| Memoranda: | ||
| Average total assets | $1,010,037,750 | 714 |
| Average earning assets | $968,688,500 | 687 |
| Average equity | $113,571,000 | 709 |
| Average total loans | $841,409,750 | 595 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5602% | 1,352 |
| Cost of funding earning assets | 0.4678% | 2,395 |
| Net interest margin | 4.0924% | 1,386 |
| Noninterest income to average assets | 0.3962% | 3,897 |
| Noninterest expense to average assets | 1.5981% | 5,761 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.6221% | 131 |
| Return on assets (ROA) | 2.6221% | 131 |
| Pretax return on assets | 2.7172% | 160 |
| Return on Equity (ROE) | 23.3092% | 122 |
| Retained earnings to average equity (ytd only) | 7.2166% | 1,502 |
| Net charge-offs to loans | -0.2052% | 5,816 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0327% | 5,959 |
| Assets per employee ($millions) | 8.7911% | 421 |
| Cash dividends to net income (ytd only)* | 69.0396% | 1,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8813% | 928 |
| Loan loss allowance to noncurrent loans | 347.3966% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0056% | 2,133 |
| Noncurrent loans to loans | 0.5416% | 3,449 |
| Net loans and leases to total assets | 81.5124% | 679 |
| Net loans and leases to deposits | 105.1958% | 399 |
| Net loans and leases to core deposits | 113.9657% | 726 |
| Total domestic deposits to total assets | 77.4864% | 5,085 |
| Equity capital to assets | 10.8687% | 3,208 |
| Core capital (leverage) ratio | 11.1886% | 2,247 |
| Tier 1 risk-based capital ratio | 13.5623% | 3,863 |
| Total risk-based capital ratio | 14.8217% | 3,774 |
| Memoranda: | ||
| Average total assets | $994,328,000 | 730 |
| Average earning assets | $952,205,000 | 695 |
| Average equity | $111,852,670 | 719 |
| Average total loans | $822,448,330 | 609 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 1,312 |
| Cost of funding earning assets | 0.4669% | 2,406 |
| Net interest margin | 4.1127% | 1,304 |
| Noninterest income to average assets | 0.3034% | 4,555 |
| Noninterest expense to average assets | 1.6969% | 5,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.4473% | 169 |
| Return on assets (ROA) | 2.4473% | 176 |
| Pretax return on assets | 2.5361% | 225 |
| Return on Equity (ROE) | 21.3705% | 185 |
| Retained earnings to average equity (ytd only) | 21.3705% | 71 |
| Net charge-offs to loans | -0.2701% | 5,916 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0874% | 5,960 |
| Assets per employee ($millions) | 8.4516% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9476% | 898 |
| Loan loss allowance to noncurrent loans | 303.1822% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 1.8334% | 1,000 |
| Noncurrent loans to loans | 0.6424% | 3,250 |
| Net loans and leases to total assets | 81.0074% | 684 |
| Net loans and leases to deposits | 103.4301% | 440 |
| Net loans and leases to core deposits | 110.2090% | 846 |
| Total domestic deposits to total assets | 78.3209% | 5,082 |
| Equity capital to assets | 11.5781% | 2,371 |
| Core capital (leverage) ratio | 11.7543% | 1,789 |
| Tier 1 risk-based capital ratio | 14.2816% | 3,507 |
| Total risk-based capital ratio | 15.5413% | 3,435 |
| Memoranda: | ||
| Average total assets | $972,819,500 | 746 |
| Average earning assets | $929,510,500 | 708 |
| Average equity | $111,406,000 | 723 |
| Average total loans | $802,783,500 | 621 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 1,765 |
| Cost of funding earning assets | 0.5477% | 1,783 |
| Net interest margin | 3.8948% | 2,049 |
| Noninterest income to average assets | 0.4094% | 3,962 |
| Noninterest expense to average assets | 1.6915% | 5,848 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.3490% | 190 |
| Return on assets (ROA) | 2.3490% | 194 |
| Pretax return on assets | 2.4390% | 228 |
| Return on Equity (ROE) | 22.0494% | 174 |
| Retained earnings to average equity (ytd only) | 11.9516% | 254 |
| Net charge-offs to loans | -0.0892% | 5,743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9517% | 6,046 |
| Assets per employee ($millions) | 8.3930% | 483 |
| Cash dividends to net income (ytd only)* | 45.7961% | 2,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9488% | 882 |
| Loan loss allowance to noncurrent loans | 290.3646% | 1,694 |
| Noncurrent assets plus other real estate owned to assets | 1.8995% | 960 |
| Noncurrent loans to loans | 0.6712% | 3,178 |
| Net loans and leases to total assets | 80.8167% | 734 |
| Net loans and leases to deposits | 99.1938% | 739 |
| Net loans and leases to core deposits | 105.7359% | 1,112 |
| Total domestic deposits to total assets | 81.4736% | 4,346 |
| Equity capital to assets | 11.3214% | 2,523 |
| Core capital (leverage) ratio | 11.1975% | 2,218 |
| Tier 1 risk-based capital ratio | 13.9348% | 3,750 |
| Total risk-based capital ratio | 15.1945% | 3,677 |
| Memoranda: | ||
| Average total assets | $952,917,400 | 723 |
| Average earning assets | $910,455,200 | 691 |
| Average equity | $101,517,600 | 759 |
| Average total loans | $739,634,200 | 632 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3944% | 1,937 |
| Cost of funding earning assets | 0.5720% | 1,609 |
| Net interest margin | 3.8224% | 2,300 |
| Noninterest income to average assets | 0.4639% | 3,605 |
| Noninterest expense to average assets | 1.7415% | 5,862 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.2897% | 222 |
| Return on assets (ROA) | 2.2897% | 233 |
| Pretax return on assets | 2.3728% | 298 |
| Return on Equity (ROE) | 21.8369% | 196 |
| Retained earnings to average equity (ytd only) | 8.1441% | 1,192 |
| Net charge-offs to loans | 0.0664% | 2,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 46.7988% | 1,110 |
| Efficiency ratio | 42.3285% | 6,080 |
| Assets per employee ($millions) | 8.6024% | 424 |
| Cash dividends to net income (ytd only)* | 62.7049% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8264% | 1,212 |
| Loan loss allowance to noncurrent loans | 265.8329% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 1.9547% | 1,057 |
| Noncurrent loans to loans | 0.6870% | 3,261 |
| Net loans and leases to total assets | 80.0426% | 819 |
| Net loans and leases to deposits | 97.5385% | 857 |
| Net loans and leases to core deposits | 103.3663% | 1,275 |
| Total domestic deposits to total assets | 82.0626% | 4,142 |
| Equity capital to assets | 10.6422% | 3,422 |
| Core capital (leverage) ratio | 10.6503% | 2,876 |
| Tier 1 risk-based capital ratio | 13.0963% | 4,378 |
| Total risk-based capital ratio | 14.3543% | 4,292 |
| Memoranda: | ||
| Average total assets | $951,946,750 | 731 |
| Average earning assets | $909,102,000 | 696 |
| Average equity | $99,816,250 | 774 |
| Average total loans | $727,387,000 | 644 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3494% | 2,013 |
| Cost of funding earning assets | 0.6009% | 1,410 |
| Net interest margin | 3.7485% | 2,519 |
| Noninterest income to average assets | 0.4523% | 3,687 |
| Noninterest expense to average assets | 1.8177% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.1352% | 291 |
| Return on assets (ROA) | 2.1352% | 307 |
| Pretax return on assets | 2.2141% | 404 |
| Return on Equity (ROE) | 20.4671% | 251 |
| Retained earnings to average equity (ytd only) | 7.1196% | 1,650 |
| Net charge-offs to loans | 0.1910% | 1,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.5266% | 1,969 |
| Efficiency ratio | 45.0845% | 6,076 |
| Assets per employee ($millions) | 8.0800% | 511 |
| Cash dividends to net income (ytd only)* | 65.2144% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9125% | 1,137 |
| Loan loss allowance to noncurrent loans | 256.6856% | 1,839 |
| Noncurrent assets plus other real estate owned to assets | 2.3114% | 868 |
| Noncurrent loans to loans | 0.7451% | 3,250 |
| Net loans and leases to total assets | 75.4875% | 1,441 |
| Net loans and leases to deposits | 91.7647% | 1,400 |
| Net loans and leases to core deposits | 97.5241% | 1,688 |
| Total domestic deposits to total assets | 82.2621% | 4,207 |
| Equity capital to assets | 10.4582% | 3,488 |
| Core capital (leverage) ratio | 10.6221% | 2,825 |
| Tier 1 risk-based capital ratio | 13.5132% | 4,214 |
| Total risk-based capital ratio | 14.7719% | 4,140 |
| Memoranda: | ||
| Average total assets | $948,105,000 | 736 |
| Average earning assets | $905,372,330 | 700 |
| Average equity | $98,910,000 | 781 |
| Average total loans | $708,004,330 | 660 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2555% | 2,251 |
| Cost of funding earning assets | 0.6283% | 1,240 |
| Net interest margin | 3.6272% | 2,902 |
| Noninterest income to average assets | 0.4658% | 3,532 |
| Noninterest expense to average assets | 1.8840% | 5,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9788% | 352 |
| Return on assets (ROA) | 1.9788% | 371 |
| Pretax return on assets | 2.0503% | 539 |
| Return on Equity (ROE) | 18.9912% | 324 |
| Retained earnings to average equity (ytd only) | 18.9912% | 119 |
| Net charge-offs to loans | -0.0127% | 4,827 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8869% | 6,028 |
| Assets per employee ($millions) | 8.7930% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 953 |
| Loan loss allowance to noncurrent loans | 136.1712% | 2,989 |
| Noncurrent assets plus other real estate owned to assets | 2.6201% | 795 |
| Noncurrent loans to loans | 1.5261% | 1,846 |
| Net loans and leases to total assets | 71.1208% | 1,962 |
| Net loans and leases to deposits | 86.3283% | 1,791 |
| Net loans and leases to core deposits | 93.7129% | 1,791 |
| Total domestic deposits to total assets | 82.3842% | 4,387 |
| Equity capital to assets | 10.3432% | 3,730 |
| Core capital (leverage) ratio | 10.7265% | 2,718 |
| Tier 1 risk-based capital ratio | 14.2178% | 3,866 |
| Total risk-based capital ratio | 15.4788% | 3,789 |
| Memoranda: | ||
| Average total assets | $945,439,000 | 737 |
| Average earning assets | $904,061,500 | 702 |
| Average equity | $98,509,000 | 787 |
| Average total loans | $695,127,000 | 669 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2855% | 2,660 |
| Cost of funding earning assets | 0.6437% | 1,448 |
| Net interest margin | 3.6418% | 3,253 |
| Noninterest income to average assets | 0.4986% | 3,525 |
| Noninterest expense to average assets | 1.9132% | 5,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.0650% | 293 |
| Return on assets (ROA) | 2.0911% | 288 |
| Pretax return on assets | 2.0840% | 427 |
| Return on Equity (ROE) | 19.8937% | 259 |
| Retained earnings to average equity (ytd only) | 14.1493% | 170 |
| Net charge-offs to loans | -0.1258% | 6,171 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1783% | 6,180 |
| Assets per employee ($millions) | 8.6307% | 411 |
| Cash dividends to net income (ytd only)* | 28.8756% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1587% | 874 |
| Loan loss allowance to noncurrent loans | 133.5725% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 2.8165% | 756 |
| Noncurrent loans to loans | 1.6162% | 1,813 |
| Net loans and leases to total assets | 72.8704% | 1,782 |
| Net loans and leases to deposits | 88.8397% | 1,633 |
| Net loans and leases to core deposits | 96.8417% | 1,650 |
| Total domestic deposits to total assets | 82.0246% | 4,413 |
| Equity capital to assets | 10.5006% | 3,479 |
| Core capital (leverage) ratio | 10.6989% | 2,721 |
| Tier 1 risk-based capital ratio | 14.1866% | 3,976 |
| Total risk-based capital ratio | 15.4488% | 3,897 |
| Memoranda: | ||
| Average total assets | $844,611,200 | 798 |
| Average earning assets | $805,337,000 | 757 |
| Average equity | $88,781,800 | 829 |
| Average total loans | $597,934,000 | 736 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3138% | 2,567 |
| Cost of funding earning assets | 0.6295% | 1,602 |
| Net interest margin | 3.6843% | 3,093 |
| Noninterest income to average assets | 0.4519% | 3,884 |
| Noninterest expense to average assets | 1.9407% | 5,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.0932% | 288 |
| Return on assets (ROA) | 2.1288% | 280 |
| Pretax return on assets | 2.0575% | 501 |
| Return on Equity (ROE) | 20.2462% | 269 |
| Retained earnings to average equity (ytd only) | 12.4268% | 382 |
| Net charge-offs to loans | -0.1682% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9748% | 6,158 |
| Assets per employee ($millions) | 8.0874% | 505 |
| Cash dividends to net income (ytd only)* | 38.6217% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3678% | 764 |
| Loan loss allowance to noncurrent loans | 154.3353% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 2.6969% | 934 |
| Noncurrent loans to loans | 1.5342% | 2,110 |
| Net loans and leases to total assets | 68.6894% | 2,436 |
| Net loans and leases to deposits | 84.0933% | 2,134 |
| Net loans and leases to core deposits | 92.2369% | 2,013 |
| Total domestic deposits to total assets | 81.6823% | 4,592 |
| Equity capital to assets | 10.3634% | 3,720 |
| Core capital (leverage) ratio | 10.5705% | 2,957 |
| Tier 1 risk-based capital ratio | 15.1192% | 3,521 |
| Total risk-based capital ratio | 16.3847% | 3,451 |
| Memoranda: | ||
| Average total assets | $827,049,250 | 819 |
| Average earning assets | $788,081,250 | 780 |
| Average equity | $86,960,750 | 852 |
| Average total loans | $577,075,000 | 763 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,397 |
| Cost of funding earning assets | 0.6098% | 1,814 |
| Net interest margin | 3.7368% | 2,811 |
| Noninterest income to average assets | 0.3704% | 4,479 |
| Noninterest expense to average assets | 2.0134% | 5,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0240% | 321 |
| Return on assets (ROA) | 2.0240% | 335 |
| Pretax return on assets | 1.9147% | 665 |
| Return on Equity (ROE) | 19.1495% | 351 |
| Retained earnings to average equity (ytd only) | 7.2191% | 1,657 |
| Net charge-offs to loans | -0.1617% | 6,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2557% | 6,109 |
| Assets per employee ($millions) | 8.3500% | 431 |
| Cash dividends to net income (ytd only)* | 62.3015% | 1,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4637% | 749 |
| Loan loss allowance to noncurrent loans | 129.8378% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 3.2228% | 766 |
| Noncurrent loans to loans | 1.8975% | 1,804 |
| Net loans and leases to total assets | 67.6553% | 2,472 |
| Net loans and leases to deposits | 83.1274% | 2,130 |
| Net loans and leases to core deposits | 92.0102% | 1,942 |
| Total domestic deposits to total assets | 81.3876% | 4,845 |
| Equity capital to assets | 10.2849% | 3,715 |
| Core capital (leverage) ratio | 10.7444% | 2,677 |
| Tier 1 risk-based capital ratio | 15.1390% | 3,561 |
| Total risk-based capital ratio | 16.4057% | 3,500 |
| Memoranda: | ||
| Average total assets | $808,890,330 | 841 |
| Average earning assets | $770,128,330 | 798 |
| Average equity | $85,495,670 | 861 |
| Average total loans | $562,700,000 | 779 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 1,927 |
| Cost of funding earning assets | 0.6018% | 1,954 |
| Net interest margin | 3.8601% | 2,229 |
| Noninterest income to average assets | 0.1758% | 5,915 |
| Noninterest expense to average assets | 1.9761% | 5,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8301% | 459 |
| Return on assets (ROA) | 1.8301% | 480 |
| Pretax return on assets | 1.8811% | 677 |
| Return on Equity (ROE) | 17.0698% | 526 |
| Retained earnings to average equity (ytd only) | 17.0698% | 219 |
| Net charge-offs to loans | -0.0994% | 6,116 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2313% | 6,178 |
| Assets per employee ($millions) | 7.8069% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4813% | 826 |
| Loan loss allowance to noncurrent loans | 110.7322% | 3,374 |
| Noncurrent assets plus other real estate owned to assets | 3.6598% | 696 |
| Noncurrent loans to loans | 2.2408% | 1,613 |
| Net loans and leases to total assets | 68.8841% | 2,074 |
| Net loans and leases to deposits | 85.3558% | 1,690 |
| Net loans and leases to core deposits | 94.9498% | 1,472 |
| Total domestic deposits to total assets | 80.7023% | 5,314 |
| Equity capital to assets | 10.7809% | 2,950 |
| Core capital (leverage) ratio | 11.2251% | 2,200 |
| Tier 1 risk-based capital ratio | 15.7591% | 3,295 |
| Total risk-based capital ratio | 17.0263% | 3,247 |
| Memoranda: | ||
| Average total assets | $791,663,000 | 864 |
| Average earning assets | $755,005,500 | 823 |
| Average equity | $84,875,000 | 868 |
| Average total loans | $551,560,000 | 795 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3549% | 2,756 |
| Cost of funding earning assets | 0.4915% | 3,693 |
| Net interest margin | 3.8634% | 2,418 |
| Noninterest income to average assets | 0.6086% | 3,032 |
| Noninterest expense to average assets | 2.1084% | 5,814 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.1489% | 265 |
| Return on assets (ROA) | 2.1489% | 268 |
| Pretax return on assets | 2.1492% | 339 |
| Return on Equity (ROE) | 19.4765% | 312 |
| Retained earnings to average equity (ytd only) | 19.4765% | 86 |
| Net charge-offs to loans | 0.3378% | 1,988 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 8.5789% | 2,646 |
| Efficiency ratio | 49.5205% | 6,417 |
| Assets per employee ($millions) | 8.0331% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6082% | 724 |
| Loan loss allowance to noncurrent loans | 104.9241% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 3.8245% | 714 |
| Noncurrent loans to loans | 2.4858% | 1,524 |
| Net loans and leases to total assets | 66.8833% | 2,543 |
| Net loans and leases to deposits | 82.9149% | 2,076 |
| Net loans and leases to core deposits | 92.2120% | 1,777 |
| Total domestic deposits to total assets | 80.6650% | 5,277 |
| Equity capital to assets | 10.6593% | 2,971 |
| Core capital (leverage) ratio | 11.2330% | 2,169 |
| Tier 1 risk-based capital ratio | 15.8731% | 3,162 |
| Total risk-based capital ratio | 17.1417% | 3,107 |
| Memoranda: | ||
| Average total assets | $683,374,000 | 974 |
| Average earning assets | $645,436,600 | 938 |
| Average equity | $75,398,600 | 950 |
| Average total loans | $506,841,000 | 841 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4514% | 2,412 |
| Cost of funding earning assets | 0.4610% | 4,159 |
| Net interest margin | 3.9904% | 1,979 |
| Noninterest income to average assets | 0.4090% | 4,465 |
| Noninterest expense to average assets | 2.1198% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0468% | 334 |
| Return on assets (ROA) | 2.0468% | 345 |
| Pretax return on assets | 2.0470% | 521 |
| Return on Equity (ROE) | 18.3674% | 414 |
| Retained earnings to average equity (ytd only) | 18.3674% | 99 |
| Net charge-offs to loans | -0.0184% | 6,024 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8734% | 6,343 |
| Assets per employee ($millions) | 7.2304% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0588% | 512 |
| Loan loss allowance to noncurrent loans | 90.1679% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 4.9906% | 558 |
| Noncurrent loans to loans | 3.3924% | 1,142 |
| Net loans and leases to total assets | 73.3813% | 1,385 |
| Net loans and leases to deposits | 93.4632% | 865 |
| Net loans and leases to core deposits | 100.2779% | 1,096 |
| Total domestic deposits to total assets | 78.5137% | 5,824 |
| Equity capital to assets | 11.5414% | 2,274 |
| Core capital (leverage) ratio | 11.8046% | 1,813 |
| Tier 1 risk-based capital ratio | 16.1647% | 3,099 |
| Total risk-based capital ratio | 17.4403% | 3,045 |
| Memoranda: | ||
| Average total assets | $659,414,250 | 1,015 |
| Average earning assets | $620,968,000 | 989 |
| Average equity | $73,483,500 | 981 |
| Average total loans | $499,771,250 | 848 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 2,211 |
| Cost of funding earning assets | 0.4514% | 4,415 |
| Net interest margin | 4.0458% | 1,709 |
| Noninterest income to average assets | 0.5792% | 3,321 |
| Noninterest expense to average assets | 2.1024% | 5,864 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2854% | 225 |
| Return on assets (ROA) | 2.2854% | 237 |
| Pretax return on assets | 2.2860% | 355 |
| Return on Equity (ROE) | 20.7655% | 259 |
| Retained earnings to average equity (ytd only) | 20.7655% | 79 |
| Net charge-offs to loans | 0.2389% | 2,290 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.6227% | 1,965 |
| Efficiency ratio | 47.9087% | 6,542 |
| Assets per employee ($millions) | 7.1402% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0512% | 555 |
| Loan loss allowance to noncurrent loans | 79.6977% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 5.2663% | 561 |
| Noncurrent loans to loans | 3.8285% | 1,056 |
| Net loans and leases to total assets | 70.6280% | 1,779 |
| Net loans and leases to deposits | 89.5588% | 1,184 |
| Net loans and leases to core deposits | 95.9369% | 1,366 |
| Total domestic deposits to total assets | 78.8622% | 5,825 |
| Equity capital to assets | 11.1641% | 2,594 |
| Core capital (leverage) ratio | 11.8397% | 1,705 |
| Tier 1 risk-based capital ratio | 15.9010% | 3,257 |
| Total risk-based capital ratio | 17.1758% | 3,179 |
| Memoranda: | ||
| Average total assets | $652,667,330 | 1,030 |
| Average earning assets | $614,509,000 | 1,001 |
| Average equity | $71,830,670 | 1,005 |
| Average total loans | $494,869,330 | 856 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 1,934 |
| Cost of funding earning assets | 0.4526% | 4,568 |
| Net interest margin | 4.1129% | 1,421 |
| Noninterest income to average assets | 0.2532% | 5,648 |
| Noninterest expense to average assets | 2.1412% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9742% | 356 |
| Return on assets (ROA) | 1.9742% | 386 |
| Pretax return on assets | 1.9755% | 619 |
| Return on Equity (ROE) | 18.0762% | 430 |
| Retained earnings to average equity (ytd only) | 18.0762% | 198 |
| Net charge-offs to loans | 0.4305% | 1,376 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.9287% | 2,304 |
| Efficiency ratio | 52.0121% | 6,383 |
| Assets per employee ($millions) | 7.0477% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0492% | 625 |
| Loan loss allowance to noncurrent loans | 76.8064% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 5.8724% | 549 |
| Noncurrent loans to loans | 3.9700% | 1,143 |
| Net loans and leases to total assets | 74.2280% | 1,044 |
| Net loans and leases to deposits | 93.2974% | 711 |
| Net loans and leases to core deposits | 100.2247% | 934 |
| Total domestic deposits to total assets | 79.5606% | 5,852 |
| Equity capital to assets | 11.0254% | 2,932 |
| Core capital (leverage) ratio | 11.4275% | 1,918 |
| Tier 1 risk-based capital ratio | 14.8050% | 3,970 |
| Total risk-based capital ratio | 16.0638% | 3,928 |
| Memoranda: | ||
| Average total assets | $639,842,500 | 1,064 |
| Average earning assets | $601,031,500 | 1,040 |
| Average equity | $69,882,000 | 1,041 |
| Average total loans | $495,224,000 | 855 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4930% | 3,418 |
| Cost of funding earning assets | 0.9933% | 1,393 |
| Net interest margin | 3.4996% | 4,501 |
| Noninterest income to average assets | 0.1758% | 6,140 |
| Noninterest expense to average assets | 2.2527% | 5,807 |
| Loan and lease loss provision to assets | 0.3572% | 1,872 |
| Net operating income to assets | 0.8280% | 3,144 |
| Return on assets (ROA) | 0.8280% | 3,404 |
| Pretax return on assets | 0.8280% | 4,189 |
| Return on Equity (ROE) | 8.1129% | 3,037 |
| Retained earnings to average equity (ytd only) | 8.1129% | 1,082 |
| Net charge-offs to loans | 2.1093% | 335 |
| Credit loss provision to net charge-offs | 21.8085% | 5,263 |
| Earnings coverage of net charge-offs (x) | 0.7237% | 5,119 |
| Efficiency ratio | 65.5257% | 4,598 |
| Assets per employee ($millions) | 7.1739% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1717% | 572 |
| Loan loss allowance to noncurrent loans | 79.0645% | 3,941 |
| Noncurrent assets plus other real estate owned to assets | 5.8300% | 605 |
| Noncurrent loans to loans | 4.0115% | 1,165 |
| Net loans and leases to total assets | 75.7736% | 950 |
| Net loans and leases to deposits | 94.7527% | 699 |
| Net loans and leases to core deposits | 101.3739% | 931 |
| Total domestic deposits to total assets | 79.9699% | 5,675 |
| Equity capital to assets | 10.8153% | 3,161 |
| Core capital (leverage) ratio | 10.9085% | 2,334 |
| Tier 1 risk-based capital ratio | 14.1440% | 4,280 |
| Total risk-based capital ratio | 15.4197% | 4,223 |
| Memoranda: | ||
| Average total assets | $631,371,600 | 1,047 |
| Average earning assets | $588,518,600 | 1,027 |
| Average equity | $64,440,400 | 1,099 |
| Average total loans | $490,202,000 | 840 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 3,782 |
| Cost of funding earning assets | 0.9202% | 2,044 |
| Net interest margin | 3.5396% | 4,493 |
| Noninterest income to average assets | -0.1915% | 7,069 |
| Noninterest expense to average assets | 2.2234% | 5,897 |
| Loan and lease loss provision to assets | 0.4762% | 1,301 |
| Net operating income to assets | 0.3978% | 5,257 |
| Return on assets (ROA) | 0.3978% | 5,477 |
| Pretax return on assets | 0.3978% | 5,726 |
| Return on Equity (ROE) | 3.9570% | 5,307 |
| Retained earnings to average equity (ytd only) | 3.9570% | 4,098 |
| Net charge-offs to loans | 2.1813% | 309 |
| Credit loss provision to net charge-offs | 28.1734% | 4,828 |
| Earnings coverage of net charge-offs (x) | 0.5171% | 5,060 |
| Efficiency ratio | 71.7821% | 3,368 |
| Assets per employee ($millions) | 6.7292% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6717% | 404 |
| Loan loss allowance to noncurrent loans | 49.7348% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 9.8467% | 253 |
| Noncurrent loans to loans | 7.3825% | 471 |
| Net loans and leases to total assets | 77.1358% | 838 |
| Net loans and leases to deposits | 98.5952% | 513 |
| Net loans and leases to core deposits | 105.2762% | 788 |
| Total domestic deposits to total assets | 78.2349% | 6,025 |
| Equity capital to assets | 10.5868% | 3,748 |
| Core capital (leverage) ratio | 10.6609% | 2,746 |
| Tier 1 risk-based capital ratio | 13.1913% | 5,101 |
| Total risk-based capital ratio | 14.4723% | 5,045 |
| Memoranda: | ||
| Average total assets | $631,389,500 | 1,053 |
| Average earning assets | $586,678,000 | 1,031 |
| Average equity | $63,481,250 | 1,127 |
| Average total loans | $489,245,500 | 846 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 3,918 |
| Cost of funding earning assets | 0.8787% | 2,575 |
| Net interest margin | 3.5870% | 4,322 |
| Noninterest income to average assets | -0.1872% | 7,132 |
| Noninterest expense to average assets | 2.2530% | 5,861 |
| Loan and lease loss provision to assets | 0.5043% | 1,255 |
| Net operating income to assets | 0.3879% | 5,255 |
| Return on assets (ROA) | 0.3879% | 5,497 |
| Pretax return on assets | 0.3879% | 5,733 |
| Return on Equity (ROE) | 3.9250% | 5,301 |
| Retained earnings to average equity (ytd only) | 3.9250% | 4,004 |
| Net charge-offs to loans | 2.9198% | 205 |
| Credit loss provision to net charge-offs | 22.5305% | 4,566 |
| Earnings coverage of net charge-offs (x) | 0.3986% | 4,879 |
| Efficiency ratio | 71.6323% | 3,493 |
| Assets per employee ($millions) | 6.8409% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9502% | 355 |
| Loan loss allowance to noncurrent loans | 50.7265% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 10.1391% | 253 |
| Noncurrent loans to loans | 7.7872% | 453 |
| Net loans and leases to total assets | 72.7855% | 1,427 |
| Net loans and leases to deposits | 91.1072% | 1,035 |
| Net loans and leases to core deposits | 96.8570% | 1,364 |
| Total domestic deposits to total assets | 79.8900% | 5,768 |
| Equity capital to assets | 10.5346% | 3,641 |
| Core capital (leverage) ratio | 10.5166% | 2,786 |
| Tier 1 risk-based capital ratio | 13.7178% | 4,647 |
| Total risk-based capital ratio | 15.0021% | 4,600 |
| Memoranda: | ||
| Average total assets | $637,734,000 | 1,042 |
| Average earning assets | $592,477,670 | 1,018 |
| Average equity | $63,032,000 | 1,128 |
| Average total loans | $488,877,330 | 843 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 4,069 |
| Cost of funding earning assets | 1.0124% | 1,904 |
| Net interest margin | 3.4477% | 4,923 |
| Noninterest income to average assets | -0.4440% | 7,242 |
| Noninterest expense to average assets | 2.2846% | 5,810 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4900% | 4,874 |
| Return on assets (ROA) | 0.4900% | 5,076 |
| Pretax return on assets | 0.4900% | 5,462 |
| Return on Equity (ROE) | 5.1154% | 4,732 |
| Retained earnings to average equity (ytd only) | 5.1154% | 3,490 |
| Net charge-offs to loans | 2.6883% | 293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.2365% | 4,248 |
| Efficiency ratio | 82.3386% | 1,893 |
| Assets per employee ($millions) | 7.1440% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1029% | 342 |
| Loan loss allowance to noncurrent loans | 45.3120% | 5,336 |
| Noncurrent assets plus other real estate owned to assets | 10.5066% | 268 |
| Noncurrent loans to loans | 9.0548% | 372 |
| Net loans and leases to total assets | 75.7515% | 828 |
| Net loans and leases to deposits | 92.6692% | 752 |
| Net loans and leases to core deposits | 98.6063% | 1,080 |
| Total domestic deposits to total assets | 81.7440% | 5,379 |
| Equity capital to assets | 10.1244% | 3,954 |
| Core capital (leverage) ratio | 10.0289% | 3,333 |
| Tier 1 risk-based capital ratio | 13.0016% | 5,219 |
| Total risk-based capital ratio | 14.2893% | 5,151 |
| Memoranda: | ||
| Average total assets | $652,180,500 | 1,012 |
| Average earning assets | $608,864,000 | 989 |
| Average equity | $62,478,500 | 1,136 |
| Average total loans | $502,629,500 | 825 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4557% | 5,233 |
| Cost of funding earning assets | 1.0761% | 2,836 |
| Net interest margin | 3.3795% | 5,548 |
| Noninterest income to average assets | -0.2278% | 7,168 |
| Noninterest expense to average assets | 1.9583% | 6,749 |
| Loan and lease loss provision to assets | 3.6920% | 69 |
| Net operating income to assets | -2.7342% | 7,145 |
| Return on assets (ROA) | -2.7342% | 7,155 |
| Pretax return on assets | -2.7339% | 7,153 |
| Return on Equity (ROE) | -30.6610% | 7,098 |
| Retained earnings to average equity (ytd only) | -30.6610% | 7,091 |
| Net charge-offs to loans | 3.5492% | 212 |
| Credit loss provision to net charge-offs | 140.0937% | 2,107 |
| Earnings coverage of net charge-offs (x) | 0.3635% | 5,547 |
| Efficiency ratio | 67.1479% | 4,545 |
| Assets per employee ($millions) | 8.0440% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6699% | 221 |
| Loan loss allowance to noncurrent loans | 46.1485% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 11.4385% | 245 |
| Noncurrent loans to loans | 10.1194% | 308 |
| Net loans and leases to total assets | 71.7641% | 1,684 |
| Net loans and leases to deposits | 87.5389% | 1,446 |
| Net loans and leases to core deposits | 93.3391% | 1,765 |
| Total domestic deposits to total assets | 81.9797% | 5,133 |
| Equity capital to assets | 9.0734% | 5,460 |
| Core capital (leverage) ratio | 9.1583% | 4,534 |
| Tier 1 risk-based capital ratio | 12.1245% | 5,744 |
| Total risk-based capital ratio | 13.4189% | 5,687 |
| Memoranda: | ||
| Average total assets | $712,458,800 | 918 |
| Average earning assets | $662,841,400 | 897 |
| Average equity | $63,533,400 | 1,063 |
| Average total loans | $529,019,400 | 789 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5567% | 5,057 |
| Cost of funding earning assets | 1.1351% | 2,734 |
| Net interest margin | 3.4217% | 5,504 |
| Noninterest income to average assets | -0.4599% | 7,341 |
| Noninterest expense to average assets | 1.9363% | 6,811 |
| Loan and lease loss provision to assets | 4.5775% | 41 |
| Net operating income to assets | -3.6575% | 7,311 |
| Return on assets (ROA) | -3.6575% | 7,315 |
| Pretax return on assets | -3.7901% | 7,322 |
| Return on Equity (ROE) | -41.1829% | 7,259 |
| Retained earnings to average equity (ytd only) | -41.1829% | 7,253 |
| Net charge-offs to loans | 3.7165% | 192 |
| Credit loss provision to net charge-offs | 166.4159% | 1,831 |
| Earnings coverage of net charge-offs (x) | 0.2863% | 5,387 |
| Efficiency ratio | 71.0894% | 3,724 |
| Assets per employee ($millions) | 8.4060% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0910% | 167 |
| Loan loss allowance to noncurrent loans | 56.4783% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 10.4764% | 334 |
| Noncurrent loans to loans | 9.0140% | 433 |
| Net loans and leases to total assets | 69.7803% | 2,120 |
| Net loans and leases to deposits | 84.5344% | 1,915 |
| Net loans and leases to core deposits | 90.4378% | 2,197 |
| Total domestic deposits to total assets | 82.5466% | 4,856 |
| Equity capital to assets | 8.7338% | 6,047 |
| Core capital (leverage) ratio | 8.9502% | 5,014 |
| Tier 1 risk-based capital ratio | 11.8044% | 6,034 |
| Total risk-based capital ratio | 13.1031% | 5,981 |
| Memoranda: | ||
| Average total assets | $721,650,500 | 911 |
| Average earning assets | $671,427,750 | 890 |
| Average equity | $64,089,750 | 1,058 |
| Average total loans | $534,109,750 | 794 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5439% | 5,195 |
| Cost of funding earning assets | 1.1554% | 2,870 |
| Net interest margin | 3.3885% | 5,592 |
| Noninterest income to average assets | -0.6987% | 7,445 |
| Noninterest expense to average assets | 1.8974% | 6,951 |
| Loan and lease loss provision to assets | 6.1776% | 28 |
| Net operating income to assets | -5.5063% | 7,453 |
| Return on assets (ROA) | -5.5063% | 7,454 |
| Pretax return on assets | -5.6105% | 7,453 |
| Return on Equity (ROE) | -61.6751% | 7,377 |
| Retained earnings to average equity (ytd only) | -61.6751% | 7,374 |
| Net charge-offs to loans | 4.9372% | 130 |
| Credit loss provision to net charge-offs | 168.7027% | 1,791 |
| Earnings coverage of net charge-offs (x) | 0.1549% | 5,184 |
| Efficiency ratio | 76.9881% | 2,865 |
| Assets per employee ($millions) | 8.3183% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8633% | 207 |
| Loan loss allowance to noncurrent loans | 58.5859% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 8.6057% | 502 |
| Noncurrent loans to loans | 8.3012% | 528 |
| Net loans and leases to total assets | 71.1215% | 1,976 |
| Net loans and leases to deposits | 87.6059% | 1,552 |
| Net loans and leases to core deposits | 93.7502% | 1,927 |
| Total domestic deposits to total assets | 81.1835% | 5,466 |
| Equity capital to assets | 8.6682% | 5,979 |
| Core capital (leverage) ratio | 8.6577% | 5,286 |
| Tier 1 risk-based capital ratio | 11.7420% | 5,981 |
| Total risk-based capital ratio | 13.0384% | 5,936 |
| Memoranda: | ||
| Average total assets | $729,636,000 | 909 |
| Average earning assets | $681,126,330 | 894 |
| Average equity | $65,141,330 | 1,038 |
| Average total loans | $541,157,000 | 795 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4719% | 5,437 |
| Cost of funding earning assets | 1.1811% | 2,939 |
| Net interest margin | 3.2908% | 5,812 |
| Noninterest income to average assets | 0.2894% | 5,598 |
| Noninterest expense to average assets | 1.8054% | 7,132 |
| Loan and lease loss provision to assets | 12.0990% | 4 |
| Net operating income to assets | -10.5459% | 7,559 |
| Return on assets (ROA) | -10.5459% | 7,559 |
| Pretax return on assets | -10.5502% | 7,555 |
| Return on Equity (ROE) | -116.5332% | 7,506 |
| Retained earnings to average equity (ytd only) | -116.5332% | 7,501 |
| Net charge-offs to loans | 7.1949% | 69 |
| Credit loss provision to net charge-offs | 227.5775% | 1,341 |
| Earnings coverage of net charge-offs (x) | 0.2913% | 4,397 |
| Efficiency ratio | 53.8252% | 6,707 |
| Assets per employee ($millions) | 8.7084% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3469% | 152 |
| Loan loss allowance to noncurrent loans | 79.3184% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 7.7620% | 626 |
| Noncurrent loans to loans | 6.7410% | 853 |
| Net loans and leases to total assets | 69.8419% | 2,160 |
| Net loans and leases to deposits | 85.2250% | 1,846 |
| Net loans and leases to core deposits | 90.6128% | 2,287 |
| Total domestic deposits to total assets | 81.9499% | 5,335 |
| Equity capital to assets | 8.3280% | 6,129 |
| Core capital (leverage) ratio | 8.5230% | 5,409 |
| Tier 1 risk-based capital ratio | 11.4697% | 6,124 |
| Total risk-based capital ratio | 12.7722% | 6,065 |
| Memoranda: | ||
| Average total assets | $745,085,000 | 900 |
| Average earning assets | $693,935,000 | 883 |
| Average equity | $67,428,000 | 995 |
| Average total loans | $550,557,000 | 792 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0372% | 4,377 |
| Cost of funding earning assets | 1.3275% | 3,700 |
| Net interest margin | 3.7097% | 4,308 |
| Noninterest income to average assets | -0.1688% | 7,451 |
| Noninterest expense to average assets | 1.8445% | 7,222 |
| Loan and lease loss provision to assets | 1.6682% | 854 |
| Net operating income to assets | -0.1614% | 6,061 |
| Return on assets (ROA) | -0.1614% | 6,117 |
| Pretax return on assets | -0.1671% | 6,057 |
| Return on Equity (ROE) | -1.6308% | 6,132 |
| Retained earnings to average equity (ytd only) | -1.6308% | 5,908 |
| Net charge-offs to loans | 1.7563% | 1,214 |
| Credit loss provision to net charge-offs | 122.0986% | 3,429 |
| Earnings coverage of net charge-offs (x) | 1.0987% | 5,013 |
| Efficiency ratio | 55.1321% | 6,698 |
| Assets per employee ($millions) | 9.7265% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8905% | 964 |
| Loan loss allowance to noncurrent loans | 55.6886% | 4,677 |
| Noncurrent assets plus other real estate owned to assets | 6.7843% | 826 |
| Noncurrent loans to loans | 5.1904% | 1,282 |
| Net loans and leases to total assets | 71.8540% | 2,133 |
| Net loans and leases to deposits | 90.2846% | 1,483 |
| Net loans and leases to core deposits | 96.3928% | 1,957 |
| Total domestic deposits to total assets | 79.5861% | 5,943 |
| Equity capital to assets | 9.7455% | 4,059 |
| Core capital (leverage) ratio | 10.0083% | 3,082 |
| Tier 1 risk-based capital ratio | 13.2683% | 4,401 |
| Total risk-based capital ratio | 14.5396% | 4,341 |
| Memoranda: | ||
| Average total assets | $749,856,800 | 901 |
| Average earning assets | $710,378,200 | 864 |
| Average equity | $74,198,200 | 892 |
| Average total loans | $583,323,400 | 766 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0720% | 4,467 |
| Cost of funding earning assets | 1.3686% | 3,788 |
| Net interest margin | 3.7034% | 4,383 |
| Noninterest income to average assets | -0.2359% | 7,612 |
| Noninterest expense to average assets | 1.8414% | 7,283 |
| Loan and lease loss provision to assets | 1.6726% | 766 |
| Net operating income to assets | -0.2300% | 6,359 |
| Return on assets (ROA) | -0.2300% | 6,412 |
| Pretax return on assets | -0.2384% | 6,350 |
| Return on Equity (ROE) | -2.3160% | 6,433 |
| Retained earnings to average equity (ytd only) | -2.3160% | 6,256 |
| Net charge-offs to loans | 1.3584% | 1,495 |
| Credit loss provision to net charge-offs | 156.3427% | 2,454 |
| Earnings coverage of net charge-offs (x) | 1.3406% | 4,741 |
| Efficiency ratio | 56.2173% | 6,527 |
| Assets per employee ($millions) | 9.1572% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0077% | 817 |
| Loan loss allowance to noncurrent loans | 49.4793% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 7.3992% | 714 |
| Noncurrent loans to loans | 6.0786% | 1,020 |
| Net loans and leases to total assets | 76.3448% | 1,343 |
| Net loans and leases to deposits | 96.7136% | 907 |
| Net loans and leases to core deposits | 103.3170% | 1,542 |
| Total domestic deposits to total assets | 78.9391% | 6,038 |
| Equity capital to assets | 10.0814% | 4,055 |
| Core capital (leverage) ratio | 9.9504% | 3,296 |
| Tier 1 risk-based capital ratio | 13.0399% | 4,550 |
| Total risk-based capital ratio | 14.3130% | 4,506 |
| Memoranda: | ||
| Average total assets | $747,654,500 | 906 |
| Average earning assets | $708,925,250 | 868 |
| Average equity | $74,263,750 | 889 |
| Average total loans | $588,814,750 | 767 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0332% | 4,782 |
| Cost of funding earning assets | 1.4057% | 3,844 |
| Net interest margin | 3.6276% | 4,702 |
| Noninterest income to average assets | -0.1352% | 7,650 |
| Noninterest expense to average assets | 1.9421% | 7,195 |
| Loan and lease loss provision to assets | 1.6730% | 761 |
| Net operating income to assets | -0.2960% | 6,470 |
| Return on assets (ROA) | -0.2960% | 6,517 |
| Pretax return on assets | -0.3066% | 6,433 |
| Return on Equity (ROE) | -2.9946% | 6,517 |
| Retained earnings to average equity (ytd only) | -2.9946% | 6,300 |
| Net charge-offs to loans | 1.2316% | 1,553 |
| Credit loss provision to net charge-offs | 172.4459% | 2,261 |
| Earnings coverage of net charge-offs (x) | 1.4084% | 4,430 |
| Efficiency ratio | 58.7021% | 6,276 |
| Assets per employee ($millions) | 9.5547% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8926% | 923 |
| Loan loss allowance to noncurrent loans | 51.1867% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 7.1149% | 740 |
| Noncurrent loans to loans | 5.6511% | 1,158 |
| Net loans and leases to total assets | 74.8074% | 1,736 |
| Net loans and leases to deposits | 94.4232% | 1,218 |
| Net loans and leases to core deposits | 100.5668% | 1,960 |
| Total domestic deposits to total assets | 79.2257% | 5,968 |
| Equity capital to assets | 9.9296% | 4,100 |
| Core capital (leverage) ratio | 9.9156% | 3,264 |
| Tier 1 risk-based capital ratio | 12.9851% | 4,458 |
| Total risk-based capital ratio | 14.2565% | 4,393 |
| Memoranda: | ||
| Average total assets | $752,680,670 | 899 |
| Average earning assets | $714,528,670 | 863 |
| Average equity | $74,400,330 | 881 |
| Average total loans | $592,877,330 | 756 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0882% | 4,589 |
| Cost of funding earning assets | 1.3966% | 4,204 |
| Net interest margin | 3.6915% | 4,287 |
| Noninterest income to average assets | -0.0365% | 7,717 |
| Noninterest expense to average assets | 1.6886% | 7,586 |
| Loan and lease loss provision to assets | 2.1381% | 511 |
| Net operating income to assets | -0.3326% | 6,694 |
| Return on assets (ROA) | -0.3326% | 6,747 |
| Pretax return on assets | -0.3448% | 6,680 |
| Return on Equity (ROE) | -3.3727% | 6,769 |
| Retained earnings to average equity (ytd only) | -3.3727% | 6,411 |
| Net charge-offs to loans | 1.1384% | 1,477 |
| Credit loss provision to net charge-offs | 235.8810% | 1,625 |
| Earnings coverage of net charge-offs (x) | 1.9784% | 3,547 |
| Efficiency ratio | 48.4964% | 7,406 |
| Assets per employee ($millions) | 9.6360% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7282% | 1,058 |
| Loan loss allowance to noncurrent loans | 43.7930% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 6.3915% | 901 |
| Noncurrent loans to loans | 6.2298% | 1,031 |
| Net loans and leases to total assets | 76.3012% | 1,481 |
| Net loans and leases to deposits | 95.7788% | 1,136 |
| Net loans and leases to core deposits | 104.3059% | 1,714 |
| Total domestic deposits to total assets | 79.6639% | 5,897 |
| Equity capital to assets | 9.7718% | 4,148 |
| Core capital (leverage) ratio | 9.9486% | 3,227 |
| Tier 1 risk-based capital ratio | 12.5774% | 4,663 |
| Total risk-based capital ratio | 13.8467% | 4,608 |
| Memoranda: | ||
| Average total assets | $756,388,000 | 917 |
| Average earning assets | $720,890,500 | 875 |
| Average equity | $74,599,500 | 888 |
| Average total loans | $602,255,500 | 768 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4928% | 4,180 |
| Cost of funding earning assets | 2.1132% | 2,399 |
| Net interest margin | 3.3797% | 5,447 |
| Noninterest income to average assets | -0.0620% | 7,772 |
| Noninterest expense to average assets | 1.6011% | 7,768 |
| Loan and lease loss provision to assets | 2.2805% | 898 |
| Net operating income to assets | -0.7278% | 6,390 |
| Return on assets (ROA) | -0.7278% | 6,382 |
| Pretax return on assets | -0.7000% | 6,188 |
| Return on Equity (ROE) | -7.7393% | 6,448 |
| Retained earnings to average equity (ytd only) | -7.7393% | 6,317 |
| Net charge-offs to loans | 2.3485% | 984 |
| Credit loss provision to net charge-offs | 120.5256% | 4,441 |
| Earnings coverage of net charge-offs (x) | 0.8353% | 5,271 |
| Efficiency ratio | 50.3240% | 7,521 |
| Assets per employee ($millions) | 9.7602% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2987% | 1,486 |
| Loan loss allowance to noncurrent loans | 34.1678% | 6,157 |
| Noncurrent assets plus other real estate owned to assets | 6.6495% | 808 |
| Noncurrent loans to loans | 6.7277% | 876 |
| Net loans and leases to total assets | 78.9614% | 1,192 |
| Net loans and leases to deposits | 99.4311% | 951 |
| Net loans and leases to core deposits | 119.9939% | 1,946 |
| Total domestic deposits to total assets | 79.4131% | 5,872 |
| Equity capital to assets | 9.9546% | 3,824 |
| Core capital (leverage) ratio | 10.0116% | 3,077 |
| Tier 1 risk-based capital ratio | 12.0780% | 4,874 |
| Total risk-based capital ratio | 13.3423% | 4,825 |
| Memoranda: | ||
| Average total assets | $766,279,400 | 895 |
| Average earning assets | $735,429,800 | 845 |
| Average equity | $72,061,000 | 910 |
| Average total loans | $617,381,400 | 756 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6654% | 3,495 |
| Cost of funding earning assets | 2.2689% | 2,113 |
| Net interest margin | 3.3965% | 5,282 |
| Noninterest income to average assets | 0.1268% | 7,255 |
| Noninterest expense to average assets | 1.5950% | 7,834 |
| Loan and lease loss provision to assets | 1.9948% | 907 |
| Net operating income to assets | -0.2071% | 6,075 |
| Return on assets (ROA) | -0.2071% | 6,088 |
| Pretax return on assets | -0.1957% | 5,972 |
| Return on Equity (ROE) | -2.2342% | 6,126 |
| Retained earnings to average equity (ytd only) | -2.2342% | 5,766 |
| Net charge-offs to loans | 1.9517% | 1,018 |
| Credit loss provision to net charge-offs | 126.9561% | 3,958 |
| Earnings coverage of net charge-offs (x) | 1.1450% | 4,918 |
| Efficiency ratio | 46.9925% | 7,720 |
| Assets per employee ($millions) | 10.0853% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1718% | 1,470 |
| Loan loss allowance to noncurrent loans | 48.6950% | 5,066 |
| Noncurrent assets plus other real estate owned to assets | 5.1276% | 1,138 |
| Noncurrent loans to loans | 4.4601% | 1,573 |
| Net loans and leases to total assets | 77.9169% | 1,590 |
| Net loans and leases to deposits | 98.8673% | 1,226 |
| Net loans and leases to core deposits | 121.4639% | 2,118 |
| Total domestic deposits to total assets | 78.8095% | 5,866 |
| Equity capital to assets | 10.2213% | 3,825 |
| Core capital (leverage) ratio | 9.8736% | 3,431 |
| Tier 1 risk-based capital ratio | 12.3612% | 4,659 |
| Total risk-based capital ratio | 13.6223% | 4,599 |
| Memoranda: | ||
| Average total assets | $769,966,250 | 901 |
| Average earning assets | $740,709,000 | 855 |
| Average equity | $71,373,250 | 930 |
| Average total loans | $619,881,250 | 774 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7170% | 3,445 |
| Cost of funding earning assets | 2.4442% | 1,800 |
| Net interest margin | 3.2728% | 5,649 |
| Noninterest income to average assets | 0.1326% | 7,296 |
| Noninterest expense to average assets | 1.3319% | 8,049 |
| Loan and lease loss provision to assets | 1.8357% | 896 |
| Net operating income to assets | 0.0844% | 5,609 |
| Return on assets (ROA) | 0.0844% | 5,707 |
| Pretax return on assets | 0.1175% | 5,637 |
| Return on Equity (ROE) | 0.9431% | 5,649 |
| Retained earnings to average equity (ytd only) | 0.9431% | 4,805 |
| Net charge-offs to loans | 1.4060% | 1,338 |
| Credit loss provision to net charge-offs | 161.5914% | 2,842 |
| Earnings coverage of net charge-offs (x) | 1.7193% | 4,267 |
| Efficiency ratio | 40.5440% | 8,010 |
| Assets per employee ($millions) | 11.3589% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1988% | 1,246 |
| Loan loss allowance to noncurrent loans | 64.0242% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 3.9837% | 1,494 |
| Noncurrent loans to loans | 3.4343% | 2,049 |
| Net loans and leases to total assets | 75.4105% | 2,340 |
| Net loans and leases to deposits | 96.4232% | 1,728 |
| Net loans and leases to core deposits | 122.2844% | 2,184 |
| Total domestic deposits to total assets | 78.2078% | 6,018 |
| Equity capital to assets | 10.0240% | 3,908 |
| Core capital (leverage) ratio | 10.2858% | 3,012 |
| Tier 1 risk-based capital ratio | 12.6072% | 4,435 |
| Total risk-based capital ratio | 13.8685% | 4,343 |
| Memoranda: | ||
| Average total assets | $767,766,670 | 919 |
| Average earning assets | $739,544,000 | 866 |
| Average equity | $68,706,000 | 975 |
| Average total loans | $620,339,000 | 793 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6724% | 3,929 |
| Cost of funding earning assets | 2.6750% | 1,333 |
| Net interest margin | 2.9975% | 6,483 |
| Noninterest income to average assets | 0.0615% | 7,761 |
| Noninterest expense to average assets | 1.2181% | 8,112 |
| Loan and lease loss provision to assets | 1.2544% | 1,018 |
| Net operating income to assets | 0.4356% | 4,720 |
| Return on assets (ROA) | 0.4356% | 4,892 |
| Pretax return on assets | 0.4997% | 5,078 |
| Return on Equity (ROE) | 5.2045% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.2045% | 3,013 |
| Net charge-offs to loans | 0.1737% | 3,592 |
| Credit loss provision to net charge-offs | 872.4907% | 705 |
| Earnings coverage of net charge-offs (x) | 12.2007% | 1,821 |
| Efficiency ratio | 40.9818% | 8,023 |
| Assets per employee ($millions) | 12.0710% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 1,268 |
| Loan loss allowance to noncurrent loans | 54.7156% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 3.5638% | 1,497 |
| Noncurrent loans to loans | 3.8052% | 1,619 |
| Net loans and leases to total assets | 78.3125% | 1,742 |
| Net loans and leases to deposits | 99.4640% | 1,481 |
| Net loans and leases to core deposits | 116.7554% | 2,713 |
| Total domestic deposits to total assets | 78.7345% | 5,815 |
| Equity capital to assets | 9.2793% | 4,968 |
| Core capital (leverage) ratio | 9.6367% | 3,837 |
| Tier 1 risk-based capital ratio | 11.4041% | 5,503 |
| Total risk-based capital ratio | 12.6644% | 5,394 |
| Memoranda: | ||
| Average total assets | $748,407,500 | 933 |
| Average earning assets | $726,742,000 | 878 |
| Average equity | $62,638,000 | 1,083 |
| Average total loans | $619,585,000 | 800 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4637% | 3,144 |
| Cost of funding earning assets | 3.4329% | 642 |
| Net interest margin | 3.0308% | 6,833 |
| Noninterest income to average assets | 0.0359% | 7,959 |
| Noninterest expense to average assets | 1.3089% | 8,115 |
| Loan and lease loss provision to assets | 1.8520% | 677 |
| Net operating income to assets | -0.1707% | 6,585 |
| Return on assets (ROA) | -0.1707% | 6,432 |
| Pretax return on assets | -0.1820% | 6,356 |
| Return on Equity (ROE) | -2.1037% | 6,523 |
| Retained earnings to average equity (ytd only) | -11.9524% | 7,241 |
| Net charge-offs to loans | 0.9271% | 1,337 |
| Credit loss provision to net charge-offs | 245.8821% | 1,897 |
| Earnings coverage of net charge-offs (x) | 2.2172% | 4,968 |
| Efficiency ratio | 43.9391% | 8,017 |
| Assets per employee ($millions) | 11.1281% | 202 |
| Cash dividends to net income (ytd only)* | -468.1644% | 8,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 1,644 |
| Loan loss allowance to noncurrent loans | 56.6318% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 2.7631% | 1,709 |
| Noncurrent loans to loans | 3.1716% | 1,666 |
| Net loans and leases to total assets | 84.3397% | 835 |
| Net loans and leases to deposits | 106.1844% | 1,107 |
| Net loans and leases to core deposits | 129.4293% | 1,895 |
| Total domestic deposits to total assets | 79.4275% | 5,233 |
| Equity capital to assets | 7.3672% | 7,497 |
| Core capital (leverage) ratio | 7.6463% | 7,011 |
| Tier 1 risk-based capital ratio | 8.1966% | 8,048 |
| Total risk-based capital ratio | 9.4527% | 8,085 |
| Memoranda: | ||
| Average total assets | $612,591,800 | 1,105 |
| Average earning assets | $594,827,200 | 1,032 |
| Average equity | $49,722,400 | 1,366 |
| Average total loans | $497,668,000 | 964 |