Home > Progress Bank and Trust > Performance and Condition Ratios
Progress Bank and Trust, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3307% | 1,005 |
| Cost of funding earning assets | 0.5667% | 1,035 |
| Net interest margin | 3.7640% | 1,235 |
| Noninterest income to average assets | 0.6300% | 1,531 |
| Noninterest expense to average assets | 2.6215% | 1,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1361% | 2,028 |
| Return on assets (ROA) | 1.1361% | 1,974 |
| Pretax return on assets | 1.4587% | 1,579 |
| Return on Equity (ROE) | 11.8400% | 2,198 |
| Retained earnings to average equity (ytd only) | 5.1570% | 2,980 |
| Net charge-offs to loans | 0.1829% | 451 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 10.5736% | 2,188 |
| Efficiency ratio | 63.9688% | 2,497 |
| Assets per employee ($millions) | 8.3278% | 1,177 |
| Cash dividends to net income (ytd only)* | 56.4571% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7141% | 4,194 |
| Loan loss allowance to noncurrent loans | 1,715.7212% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 3,241 |
| Noncurrent loans to loans | 0.0416% | 3,471 |
| Net loans and leases to total assets | 83.7600% | 276 |
| Net loans and leases to deposits | 109.8937% | 157 |
| Net loans and leases to core deposits | 125.6940% | 282 |
| Total domestic deposits to total assets | 76.2200% | 4,242 |
| Equity capital to assets | 9.7708% | 1,846 |
| Core capital (leverage) ratio | 9.7954% | 2,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3271% | 2,914 |
| Memoranda: | ||
| Average total assets | $1,793,260,800 | 611 |
| Average earning assets | $1,642,201,200 | 606 |
| Average equity | $172,020,200 | 603 |
| Average total loans | $1,353,001,400 | 520 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0636% | 1,138 |
| Cost of funding earning assets | 0.4373% | 1,051 |
| Net interest margin | 3.6263% | 1,331 |
| Noninterest income to average assets | 0.7600% | 1,126 |
| Noninterest expense to average assets | 2.6111% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1376% | 1,940 |
| Return on assets (ROA) | 1.1376% | 1,912 |
| Pretax return on assets | 1.4652% | 1,512 |
| Return on Equity (ROE) | 11.9100% | 2,064 |
| Retained earnings to average equity (ytd only) | 5.9397% | 2,772 |
| Net charge-offs to loans | -0.0447% | 4,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.7763% | 2,583 |
| Assets per employee ($millions) | 7.9196% | 1,364 |
| Cash dividends to net income (ytd only)* | 50.1398% | 1,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9559% | 3,670 |
| Loan loss allowance to noncurrent loans | 895.4907% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.0869% | 3,062 |
| Noncurrent loans to loans | 0.1068% | 3,120 |
| Net loans and leases to total assets | 80.6700% | 475 |
| Net loans and leases to deposits | 93.3071% | 678 |
| Net loans and leases to core deposits | 106.9770% | 562 |
| Total domestic deposits to total assets | 86.4600% | 2,938 |
| Equity capital to assets | 9.7023% | 1,769 |
| Core capital (leverage) ratio | 9.3929% | 3,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7459% | 2,882 |
| Memoranda: | ||
| Average total assets | $1,802,286,250 | 609 |
| Average earning assets | $1,649,023,000 | 604 |
| Average equity | $172,103,000 | 610 |
| Average total loans | $1,320,636,000 | 527 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 1,417 |
| Cost of funding earning assets | 0.3744% | 1,087 |
| Net interest margin | 3.3779% | 1,669 |
| Noninterest income to average assets | 0.8126% | 1,014 |
| Noninterest expense to average assets | 2.6002% | 1,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0103% | 2,113 |
| Return on assets (ROA) | 1.0103% | 2,086 |
| Pretax return on assets | 1.2963% | 1,764 |
| Return on Equity (ROE) | 10.6345% | 2,122 |
| Retained earnings to average equity (ytd only) | 6.0942% | 2,305 |
| Net charge-offs to loans | -0.0795% | 4,382 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4426% | 2,452 |
| Assets per employee ($millions) | 7.5836% | 1,563 |
| Cash dividends to net income (ytd only)* | 42.6944% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 3,531 |
| Loan loss allowance to noncurrent loans | 3,224.2280% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,771 |
| Noncurrent loans to loans | 0.0315% | 3,716 |
| Net loans and leases to total assets | 72.0509% | 1,094 |
| Net loans and leases to deposits | 80.3219% | 1,363 |
| Net loans and leases to core deposits | 93.3373% | 953 |
| Total domestic deposits to total assets | 89.7027% | 1,845 |
| Equity capital to assets | 9.2308% | 2,211 |
| Core capital (leverage) ratio | 8.8805% | 3,583 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8206% | 2,859 |
| Memoranda: | ||
| Average total assets | $1,824,920,333 | 596 |
| Average earning assets | $1,666,061,667 | 601 |
| Average equity | $173,378,667 | 609 |
| Average total loans | $1,289,969,333 | 529 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5163% | 1,754 |
| Cost of funding earning assets | 0.3392% | 1,296 |
| Net interest margin | 3.1771% | 1,948 |
| Noninterest income to average assets | 0.8856% | 856 |
| Noninterest expense to average assets | 2.6450% | 1,489 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9001% | 2,265 |
| Return on assets (ROA) | 0.9001% | 2,268 |
| Pretax return on assets | 1.1498% | 1,981 |
| Return on Equity (ROE) | 9.3406% | 2,201 |
| Retained earnings to average equity (ytd only) | 0.3627% | 3,945 |
| Net charge-offs to loans | -0.1594% | 4,559 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4045% | 2,312 |
| Assets per employee ($millions) | 7.4998% | 1,684 |
| Cash dividends to net income (ytd only)* | 96.1172% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 3,505 |
| Loan loss allowance to noncurrent loans | 3,207.0922% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 3,770 |
| Noncurrent loans to loans | 0.0329% | 3,747 |
| Net loans and leases to total assets | 68.3794% | 1,180 |
| Net loans and leases to deposits | 76.1616% | 1,427 |
| Net loans and leases to core deposits | 88.5633% | 992 |
| Total domestic deposits to total assets | 89.7820% | 1,681 |
| Equity capital to assets | 9.2513% | 2,484 |
| Core capital (leverage) ratio | 8.8882% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8340% | 2,929 |
| Memoranda: | ||
| Average total assets | $1,819,759,500 | 597 |
| Average earning assets | $1,666,281,500 | 602 |
| Average equity | $175,364,000 | 620 |
| Average total loans | $1,267,012,500 | 536 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8927% | 1,633 |
| Cost of funding earning assets | 0.4102% | 1,467 |
| Net interest margin | 3.4825% | 1,791 |
| Noninterest income to average assets | 1.2472% | 680 |
| Noninterest expense to average assets | 2.8252% | 1,300 |
| Loan and lease loss provision to assets | 0.0556% | 1,939 |
| Net operating income to assets | 1.2283% | 1,823 |
| Return on assets (ROA) | 1.2604% | 1,768 |
| Pretax return on assets | 1.6137% | 1,388 |
| Return on Equity (ROE) | 12.3688% | 1,691 |
| Retained earnings to average equity (ytd only) | 7.7880% | 1,622 |
| Net charge-offs to loans | -0.0092% | 3,708 |
| Credit loss provision to net charge-offs | -811.4035% | 3,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1569% | 2,687 |
| Assets per employee ($millions) | 7.2933% | 1,731 |
| Cash dividends to net income (ytd only)* | 37.0353% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0460% | 3,586 |
| Loan loss allowance to noncurrent loans | 3,030.3944% | 389 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,814 |
| Noncurrent loans to loans | 0.0345% | 3,829 |
| Net loans and leases to total assets | 69.4311% | 1,106 |
| Net loans and leases to deposits | 77.9125% | 1,405 |
| Net loans and leases to core deposits | 84.5829% | 1,289 |
| Total domestic deposits to total assets | 89.1143% | 1,449 |
| Equity capital to assets | 10.0394% | 2,620 |
| Core capital (leverage) ratio | 9.1988% | 3,171 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2542% | 2,823 |
| Memoranda: | ||
| Average total assets | $1,664,551,000 | 628 |
| Average earning assets | $1,532,707,200 | 625 |
| Average equity | $169,619,800 | 633 |
| Average total loans | $1,244,415,200 | 547 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8611% | 1,889 |
| Cost of funding earning assets | 0.4274% | 1,503 |
| Net interest margin | 3.4337% | 2,058 |
| Noninterest income to average assets | 1.3626% | 637 |
| Noninterest expense to average assets | 2.8811% | 1,163 |
| Loan and lease loss provision to assets | 0.0754% | 1,542 |
| Net operating income to assets | 1.2188% | 2,105 |
| Return on assets (ROA) | 1.2624% | 2,004 |
| Pretax return on assets | 1.6243% | 1,627 |
| Return on Equity (ROE) | 12.3387% | 1,924 |
| Retained earnings to average equity (ytd only) | 6.1495% | 2,762 |
| Net charge-offs to loans | -0.0097% | 3,660 |
| Credit loss provision to net charge-offs | -1,027.7778% | 3,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3852% | 2,478 |
| Assets per employee ($millions) | 7.3622% | 1,645 |
| Cash dividends to net income (ytd only)* | 50.1614% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,661 |
| Loan loss allowance to noncurrent loans | 3,024.8260% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 3,949 |
| Noncurrent loans to loans | 0.0347% | 3,960 |
| Net loans and leases to total assets | 72.5452% | 819 |
| Net loans and leases to deposits | 81.4642% | 1,156 |
| Net loans and leases to core deposits | 88.8886% | 1,103 |
| Total domestic deposits to total assets | 89.0516% | 1,249 |
| Equity capital to assets | 10.2459% | 2,658 |
| Core capital (leverage) ratio | 9.4031% | 3,117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7105% | 2,799 |
| Memoranda: | ||
| Average total assets | $1,635,796,750 | 642 |
| Average earning assets | $1,506,861,750 | 639 |
| Average equity | $167,360,250 | 652 |
| Average total loans | $1,243,360,250 | 552 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7386% | 2,233 |
| Cost of funding earning assets | 0.4495% | 1,523 |
| Net interest margin | 3.2891% | 2,477 |
| Noninterest income to average assets | 1.4696% | 558 |
| Noninterest expense to average assets | 2.8933% | 1,156 |
| Loan and lease loss provision to assets | 0.1144% | 1,101 |
| Net operating income to assets | 1.1651% | 2,315 |
| Return on assets (ROA) | 1.1681% | 2,362 |
| Pretax return on assets | 1.5030% | 2,001 |
| Return on Equity (ROE) | 11.4230% | 2,259 |
| Retained earnings to average equity (ytd only) | 2.0228% | 4,105 |
| Net charge-offs to loans | -0.0008% | 3,071 |
| Credit loss provision to net charge-offs | -18,500.0000% | 4,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9171% | 2,441 |
| Assets per employee ($millions) | 7.1290% | 1,704 |
| Cash dividends to net income (ytd only)* | 82.2919% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0447% | 3,655 |
| Loan loss allowance to noncurrent loans | 2,692.7235% | 335 |
| Noncurrent assets plus other real estate owned to assets | 0.0364% | 4,009 |
| Noncurrent loans to loans | 0.0388% | 4,003 |
| Net loans and leases to total assets | 75.1457% | 663 |
| Net loans and leases to deposits | 84.5260% | 1,022 |
| Net loans and leases to core deposits | 95.7756% | 817 |
| Total domestic deposits to total assets | 88.9025% | 1,330 |
| Equity capital to assets | 10.2791% | 2,596 |
| Core capital (leverage) ratio | 9.1494% | 3,291 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3081% | 2,899 |
| Memoranda: | ||
| Average total assets | $1,616,630,333 | 641 |
| Average earning assets | $1,492,854,333 | 639 |
| Average equity | $165,315,667 | 652 |
| Average total loans | $1,243,999,667 | 553 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 2,987 |
| Cost of funding earning assets | 0.4633% | 1,632 |
| Net interest margin | 3.0157% | 3,219 |
| Noninterest income to average assets | 1.6486% | 519 |
| Noninterest expense to average assets | 2.7663% | 1,449 |
| Loan and lease loss provision to assets | 0.1989% | 613 |
| Net operating income to assets | 1.1651% | 2,279 |
| Return on assets (ROA) | 1.1712% | 2,329 |
| Pretax return on assets | 1.4912% | 2,020 |
| Return on Equity (ROE) | 11.4830% | 2,194 |
| Retained earnings to average equity (ytd only) | -7.4603% | 4,759 |
| Net charge-offs to loans | -0.0010% | 3,048 |
| Credit loss provision to net charge-offs | -26,666.6667% | 3,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8970% | 2,775 |
| Assets per employee ($millions) | 7.4799% | 1,461 |
| Cash dividends to net income (ytd only)* | 164.9682% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 3,781 |
| Loan loss allowance to noncurrent loans | 1,710.0000% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 4,046 |
| Noncurrent loans to loans | 0.0595% | 3,989 |
| Net loans and leases to total assets | 76.2266% | 611 |
| Net loans and leases to deposits | 85.4043% | 1,006 |
| Net loans and leases to core deposits | 95.9709% | 884 |
| Total domestic deposits to total assets | 89.2539% | 1,197 |
| Equity capital to assets | 9.9069% | 2,791 |
| Core capital (leverage) ratio | 9.1382% | 3,466 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8536% | 2,954 |
| Memoranda: | ||
| Average total assets | $1,608,670,500 | 633 |
| Average earning assets | $1,493,670,500 | 628 |
| Average equity | $164,068,000 | 652 |
| Average total loans | $1,246,128,000 | 553 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4254% | 1,507 |
| Cost of funding earning assets | 0.7684% | 1,354 |
| Net interest margin | 3.6570% | 1,950 |
| Noninterest income to average assets | 1.2523% | 717 |
| Noninterest expense to average assets | 2.7889% | 1,971 |
| Loan and lease loss provision to assets | 0.2849% | 1,335 |
| Net operating income to assets | 1.2271% | 1,456 |
| Return on assets (ROA) | 1.2540% | 1,479 |
| Pretax return on assets | 1.6189% | 1,034 |
| Return on Equity (ROE) | 11.1792% | 1,565 |
| Retained earnings to average equity (ytd only) | 5.1301% | 2,222 |
| Net charge-offs to loans | 0.0266% | 2,505 |
| Credit loss provision to net charge-offs | 1,325.0825% | 629 |
| Earnings coverage of net charge-offs (x) | 86.9703% | 856 |
| Efficiency ratio | 59.8660% | 3,482 |
| Assets per employee ($millions) | 7.4492% | 1,311 |
| Cash dividends to net income (ytd only)* | 54.1103% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9768% | 3,953 |
| Loan loss allowance to noncurrent loans | 1,602.9333% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.0475% | 4,102 |
| Noncurrent loans to loans | 0.0609% | 4,049 |
| Net loans and leases to total assets | 77.1726% | 678 |
| Net loans and leases to deposits | 87.1650% | 1,161 |
| Net loans and leases to core deposits | 98.0434% | 1,005 |
| Total domestic deposits to total assets | 88.5362% | 1,200 |
| Equity capital to assets | 10.5020% | 2,670 |
| Core capital (leverage) ratio | 9.5127% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0851% | 2,899 |
| Memoranda: | ||
| Average total assets | $1,409,450,000 | 655 |
| Average earning assets | $1,312,811,200 | 644 |
| Average equity | $158,106,600 | 645 |
| Average total loans | $1,140,740,600 | 564 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6998% | 1,067 |
| Cost of funding earning assets | 0.8599% | 1,214 |
| Net interest margin | 3.8399% | 1,502 |
| Noninterest income to average assets | 1.0937% | 867 |
| Noninterest expense to average assets | 2.7827% | 2,016 |
| Loan and lease loss provision to assets | 0.3136% | 1,271 |
| Net operating income to assets | 1.2139% | 1,603 |
| Return on assets (ROA) | 1.2509% | 1,596 |
| Pretax return on assets | 1.6111% | 1,159 |
| Return on Equity (ROE) | 10.9493% | 1,697 |
| Retained earnings to average equity (ytd only) | 2.7841% | 3,616 |
| Net charge-offs to loans | 0.0080% | 2,830 |
| Credit loss provision to net charge-offs | 4,798.5075% | 237 |
| Earnings coverage of net charge-offs (x) | 287.3582% | 374 |
| Efficiency ratio | 59.7074% | 3,428 |
| Assets per employee ($millions) | 7.7422% | 1,106 |
| Cash dividends to net income (ytd only)* | 74.5731% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9007% | 4,069 |
| Loan loss allowance to noncurrent loans | 1,039.6552% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 4,035 |
| Noncurrent loans to loans | 0.0866% | 4,022 |
| Net loans and leases to total assets | 81.4102% | 491 |
| Net loans and leases to deposits | 91.8899% | 1,082 |
| Net loans and leases to core deposits | 111.6390% | 640 |
| Total domestic deposits to total assets | 88.5953% | 941 |
| Equity capital to assets | 10.3712% | 2,899 |
| Core capital (leverage) ratio | 9.4340% | 3,323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1129% | 2,893 |
| Memoranda: | ||
| Average total assets | $1,367,003,000 | 656 |
| Average earning assets | $1,269,790,250 | 649 |
| Average equity | $156,170,500 | 644 |
| Average total loans | $1,118,235,500 | 570 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2514% | 518 |
| Cost of funding earning assets | 0.9886% | 1,020 |
| Net interest margin | 4.2628% | 810 |
| Noninterest income to average assets | 0.9309% | 1,102 |
| Noninterest expense to average assets | 2.7793% | 2,138 |
| Loan and lease loss provision to assets | 0.3848% | 1,067 |
| Net operating income to assets | 1.3198% | 1,303 |
| Return on assets (ROA) | 1.3779% | 1,253 |
| Pretax return on assets | 1.7821% | 839 |
| Return on Equity (ROE) | 11.6370% | 1,441 |
| Retained earnings to average equity (ytd only) | -0.4370% | 4,392 |
| Net charge-offs to loans | 0.0146% | 2,455 |
| Credit loss provision to net charge-offs | 3,223.0769% | 341 |
| Earnings coverage of net charge-offs (x) | 175.3333% | 493 |
| Efficiency ratio | 57.0369% | 3,814 |
| Assets per employee ($millions) | 7.8590% | 1,024 |
| Cash dividends to net income (ytd only)* | 103.7551% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 4,063 |
| Loan loss allowance to noncurrent loans | 1,212.8668% | 476 |
| Noncurrent assets plus other real estate owned to assets | 0.0606% | 4,224 |
| Noncurrent loans to loans | 0.0729% | 4,171 |
| Net loans and leases to total assets | 82.4095% | 381 |
| Net loans and leases to deposits | 93.4002% | 1,014 |
| Net loans and leases to core deposits | 110.5020% | 723 |
| Total domestic deposits to total assets | 88.2327% | 1,072 |
| Equity capital to assets | 10.7272% | 2,547 |
| Core capital (leverage) ratio | 9.8279% | 2,995 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7129% | 3,186 |
| Memoranda: | ||
| Average total assets | $1,306,525,667 | 667 |
| Average earning assets | $1,208,183,667 | 660 |
| Average equity | $154,696,667 | 647 |
| Average total loans | $1,066,967,000 | 584 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4932% | 2,328 |
| Cost of funding earning assets | 1.2393% | 677 |
| Net interest margin | 3.2539% | 3,709 |
| Noninterest income to average assets | 0.8017% | 1,309 |
| Noninterest expense to average assets | 2.6310% | 2,887 |
| Loan and lease loss provision to assets | 0.1172% | 2,224 |
| Net operating income to assets | 0.8313% | 2,795 |
| Return on assets (ROA) | 0.8313% | 2,876 |
| Pretax return on assets | 1.0533% | 2,658 |
| Return on Equity (ROE) | 6.6492% | 3,082 |
| Retained earnings to average equity (ytd only) | -16.3628% | 4,917 |
| Net charge-offs to loans | 0.0246% | 1,873 |
| Credit loss provision to net charge-offs | 590.1639% | 799 |
| Earnings coverage of net charge-offs (x) | 58.9508% | 814 |
| Efficiency ratio | 69.2097% | 2,480 |
| Assets per employee ($millions) | 6.8267% | 1,172 |
| Cash dividends to net income (ytd only)* | 346.0846% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8438% | 4,292 |
| Loan loss allowance to noncurrent loans | 1,199.0251% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0575% | 4,303 |
| Noncurrent loans to loans | 0.0704% | 4,243 |
| Net loans and leases to total assets | 80.9836% | 565 |
| Net loans and leases to deposits | 93.1406% | 1,167 |
| Net loans and leases to core deposits | 105.1812% | 1,105 |
| Total domestic deposits to total assets | 86.9477% | 1,582 |
| Equity capital to assets | 12.0799% | 2,009 |
| Core capital (leverage) ratio | 10.9037% | 2,558 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6648% | 3,196 |
| Memoranda: | ||
| Average total assets | $1,228,905,500 | 675 |
| Average earning assets | $1,132,900,500 | 674 |
| Average equity | $153,641,500 | 649 |
| Average total loans | $992,760,500 | 600 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 1,933 |
| Cost of funding earning assets | 1.4242% | 514 |
| Net interest margin | 3.4120% | 3,712 |
| Noninterest income to average assets | 0.9619% | 1,050 |
| Noninterest expense to average assets | 2.6507% | 3,025 |
| Loan and lease loss provision to assets | 0.1857% | 1,110 |
| Net operating income to assets | 0.9735% | 2,937 |
| Return on assets (ROA) | 0.9744% | 3,016 |
| Pretax return on assets | 1.2396% | 2,703 |
| Return on Equity (ROE) | 7.7373% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.0055% | 1,390 |
| Net charge-offs to loans | 0.1071% | 1,656 |
| Credit loss provision to net charge-offs | 215.7741% | 1,226 |
| Earnings coverage of net charge-offs (x) | 16.5521% | 2,162 |
| Efficiency ratio | 65.0492% | 2,926 |
| Assets per employee ($millions) | 6.7516% | 1,150 |
| Cash dividends to net income (ytd only)* | 9.4583% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8610% | 4,121 |
| Loan loss allowance to noncurrent loans | 442.2565% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.1555% | 3,857 |
| Noncurrent loans to loans | 0.1947% | 3,756 |
| Net loans and leases to total assets | 79.1779% | 902 |
| Net loans and leases to deposits | 94.4181% | 1,118 |
| Net loans and leases to core deposits | 107.7882% | 984 |
| Total domestic deposits to total assets | 83.8588% | 2,891 |
| Equity capital to assets | 12.9390% | 1,561 |
| Core capital (leverage) ratio | 11.8218% | 1,882 |
| Tier 1 risk-based capital ratio | 12.1802% | 4,256 |
| Total risk-based capital ratio | 12.9209% | 4,427 |
| Memoranda: | ||
| Average total assets | $1,193,582,400 | 663 |
| Average earning assets | $1,088,972,000 | 667 |
| Average equity | $150,311,400 | 623 |
| Average total loans | $959,237,200 | 599 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8543% | 1,957 |
| Cost of funding earning assets | 1.4528% | 478 |
| Net interest margin | 3.4015% | 3,862 |
| Noninterest income to average assets | 0.9525% | 1,037 |
| Noninterest expense to average assets | 2.5906% | 3,190 |
| Loan and lease loss provision to assets | 0.2483% | 662 |
| Net operating income to assets | 0.9545% | 3,149 |
| Return on assets (ROA) | 0.9556% | 3,224 |
| Pretax return on assets | 1.2173% | 2,929 |
| Return on Equity (ROE) | 7.6416% | 3,457 |
| Retained earnings to average equity (ytd only) | 6.6559% | 2,034 |
| Net charge-offs to loans | 0.0867% | 1,612 |
| Credit loss provision to net charge-offs | 355.6982% | 848 |
| Earnings coverage of net charge-offs (x) | 20.9726% | 1,932 |
| Efficiency ratio | 63.8911% | 3,026 |
| Assets per employee ($millions) | 6.5013% | 1,271 |
| Cash dividends to net income (ytd only)* | 12.8987% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8999% | 4,045 |
| Loan loss allowance to noncurrent loans | 684.5247% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 4,182 |
| Noncurrent loans to loans | 0.1315% | 4,060 |
| Net loans and leases to total assets | 79.3582% | 935 |
| Net loans and leases to deposits | 94.8061% | 1,148 |
| Net loans and leases to core deposits | 108.3373% | 1,030 |
| Total domestic deposits to total assets | 83.7058% | 2,930 |
| Equity capital to assets | 12.6666% | 1,799 |
| Core capital (leverage) ratio | 11.5926% | 2,151 |
| Tier 1 risk-based capital ratio | 11.7903% | 4,526 |
| Total risk-based capital ratio | 12.5603% | 4,661 |
| Memoranda: | ||
| Average total assets | $1,189,845,750 | 665 |
| Average earning assets | $1,085,166,250 | 670 |
| Average equity | $148,796,500 | 627 |
| Average total loans | $957,747,000 | 600 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8360% | 1,952 |
| Cost of funding earning assets | 1.4439% | 455 |
| Net interest margin | 3.3921% | 3,921 |
| Noninterest income to average assets | 0.6950% | 1,739 |
| Noninterest expense to average assets | 2.5480% | 3,334 |
| Loan and lease loss provision to assets | 0.0507% | 2,805 |
| Net operating income to assets | 0.9383% | 3,138 |
| Return on assets (ROA) | 0.9395% | 3,196 |
| Pretax return on assets | 1.1944% | 2,923 |
| Return on Equity (ROE) | 7.5459% | 3,476 |
| Retained earnings to average equity (ytd only) | 7.5459% | 1,580 |
| Net charge-offs to loans | 0.1161% | 1,272 |
| Credit loss provision to net charge-offs | 54.1516% | 2,441 |
| Earnings coverage of net charge-offs (x) | 13.2816% | 2,109 |
| Efficiency ratio | 67.2016% | 2,657 |
| Assets per employee ($millions) | 6.8570% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7113% | 4,686 |
| Loan loss allowance to noncurrent loans | 624.2727% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 4,310 |
| Noncurrent loans to loans | 0.1139% | 4,162 |
| Net loans and leases to total assets | 79.8837% | 892 |
| Net loans and leases to deposits | 94.1832% | 1,240 |
| Net loans and leases to core deposits | 111.4564% | 890 |
| Total domestic deposits to total assets | 84.8173% | 2,555 |
| Equity capital to assets | 12.5769% | 1,815 |
| Core capital (leverage) ratio | 11.2318% | 2,391 |
| Tier 1 risk-based capital ratio | 11.6870% | 4,584 |
| Total risk-based capital ratio | 12.2978% | 4,804 |
| Memoranda: | ||
| Average total assets | $1,183,381,000 | 671 |
| Average earning assets | $1,080,284,000 | 670 |
| Average equity | $147,339,000 | 627 |
| Average total loans | $954,214,330 | 602 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6882% | 2,265 |
| Cost of funding earning assets | 1.3806% | 491 |
| Net interest margin | 3.3076% | 4,145 |
| Noninterest income to average assets | 0.6845% | 1,665 |
| Noninterest expense to average assets | 2.5111% | 3,473 |
| Loan and lease loss provision to assets | 0.0681% | 2,307 |
| Net operating income to assets | 0.8842% | 3,293 |
| Return on assets (ROA) | 0.8850% | 3,347 |
| Pretax return on assets | 1.1247% | 3,073 |
| Return on Equity (ROE) | 7.1454% | 3,619 |
| Retained earnings to average equity (ytd only) | 7.1454% | 1,983 |
| Net charge-offs to loans | 0.2028% | 690 |
| Credit loss provision to net charge-offs | 41.5800% | 2,018 |
| Earnings coverage of net charge-offs (x) | 7.2786% | 2,145 |
| Efficiency ratio | 67.8158% | 2,663 |
| Assets per employee ($millions) | 7.0997% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 4,734 |
| Loan loss allowance to noncurrent loans | 828.0872% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.0752% | 4,441 |
| Noncurrent loans to loans | 0.0870% | 4,361 |
| Net loans and leases to total assets | 80.0148% | 832 |
| Net loans and leases to deposits | 96.4181% | 927 |
| Net loans and leases to core deposits | 113.3557% | 769 |
| Total domestic deposits to total assets | 82.9874% | 3,389 |
| Equity capital to assets | 12.4902% | 1,744 |
| Core capital (leverage) ratio | 11.3988% | 2,214 |
| Tier 1 risk-based capital ratio | 11.6480% | 4,659 |
| Total risk-based capital ratio | 12.2690% | 4,869 |
| Memoranda: | ||
| Average total assets | $1,175,081,000 | 678 |
| Average earning assets | $1,072,308,000 | 682 |
| Average equity | $145,548,000 | 632 |
| Average total loans | $948,593,500 | 608 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 1,300 |
| Cost of funding earning assets | 1.0984% | 498 |
| Net interest margin | 3.7972% | 2,666 |
| Noninterest income to average assets | 0.7086% | 1,822 |
| Noninterest expense to average assets | 2.7089% | 2,994 |
| Loan and lease loss provision to assets | 0.2683% | 627 |
| Net operating income to assets | 0.9438% | 3,270 |
| Return on assets (ROA) | 0.9437% | 3,261 |
| Pretax return on assets | 1.1725% | 3,004 |
| Return on Equity (ROE) | 7.7910% | 3,524 |
| Retained earnings to average equity (ytd only) | 7.7910% | 1,332 |
| Net charge-offs to loans | 0.1016% | 1,740 |
| Credit loss provision to net charge-offs | 327.4918% | 956 |
| Earnings coverage of net charge-offs (x) | 17.5860% | 2,183 |
| Efficiency ratio | 65.2761% | 2,991 |
| Assets per employee ($millions) | 7.0579% | 950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7517% | 4,670 |
| Loan loss allowance to noncurrent loans | 910.6138% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0719% | 4,461 |
| Noncurrent loans to loans | 0.0825% | 4,383 |
| Net loans and leases to total assets | 80.2494% | 900 |
| Net loans and leases to deposits | 100.0453% | 746 |
| Net loans and leases to core deposits | 112.3529% | 864 |
| Total domestic deposits to total assets | 80.2130% | 4,059 |
| Equity capital to assets | 12.2816% | 1,707 |
| Core capital (leverage) ratio | 11.2591% | 2,300 |
| Tier 1 risk-based capital ratio | 11.5084% | 4,728 |
| Total risk-based capital ratio | 12.1611% | 4,903 |
| Memoranda: | ||
| Average total assets | $1,114,234,800 | 694 |
| Average earning assets | $1,009,758,200 | 700 |
| Average equity | $134,964,200 | 643 |
| Average total loans | $898,298,000 | 614 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 1,529 |
| Cost of funding earning assets | 1.0340% | 513 |
| Net interest margin | 3.7219% | 2,933 |
| Noninterest income to average assets | 0.7102% | 1,831 |
| Noninterest expense to average assets | 2.7131% | 2,939 |
| Loan and lease loss provision to assets | 0.2237% | 735 |
| Net operating income to assets | 0.9004% | 3,530 |
| Return on assets (ROA) | 0.9002% | 3,535 |
| Pretax return on assets | 1.1401% | 3,242 |
| Return on Equity (ROE) | 7.4595% | 3,764 |
| Retained earnings to average equity (ytd only) | 7.4595% | 1,898 |
| Net charge-offs to loans | 0.1341% | 1,206 |
| Credit loss provision to net charge-offs | 207.0707% | 1,341 |
| Earnings coverage of net charge-offs (x) | 12.6285% | 2,439 |
| Efficiency ratio | 66.5448% | 2,778 |
| Assets per employee ($millions) | 6.9662% | 947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6567% | 4,958 |
| Loan loss allowance to noncurrent loans | 2,104.5614% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,704 |
| Noncurrent loans to loans | 0.0312% | 4,752 |
| Net loans and leases to total assets | 78.9429% | 1,179 |
| Net loans and leases to deposits | 98.1650% | 938 |
| Net loans and leases to core deposits | 109.7350% | 1,054 |
| Total domestic deposits to total assets | 80.4186% | 4,018 |
| Equity capital to assets | 12.2027% | 1,770 |
| Core capital (leverage) ratio | 11.0206% | 2,557 |
| Tier 1 risk-based capital ratio | 11.5812% | 4,745 |
| Total risk-based capital ratio | 12.1491% | 4,985 |
| Memoranda: | ||
| Average total assets | $1,099,890,000 | 695 |
| Average earning assets | $994,941,250 | 710 |
| Average equity | $132,732,000 | 651 |
| Average total loans | $886,039,000 | 620 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7057% | 1,492 |
| Cost of funding earning assets | 0.9332% | 629 |
| Net interest margin | 3.7725% | 2,657 |
| Noninterest income to average assets | 0.7202% | 1,793 |
| Noninterest expense to average assets | 2.7728% | 2,751 |
| Loan and lease loss provision to assets | 0.2400% | 653 |
| Net operating income to assets | 0.8766% | 3,551 |
| Return on assets (ROA) | 0.8763% | 3,557 |
| Pretax return on assets | 1.1071% | 3,290 |
| Return on Equity (ROE) | 7.2906% | 3,795 |
| Retained earnings to average equity (ytd only) | 7.2906% | 1,928 |
| Net charge-offs to loans | 0.0832% | 1,496 |
| Credit loss provision to net charge-offs | 356.1644% | 891 |
| Earnings coverage of net charge-offs (x) | 19.9973% | 1,833 |
| Efficiency ratio | 67.2969% | 2,763 |
| Assets per employee ($millions) | 6.7491% | 1,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6550% | 5,024 |
| Loan loss allowance to noncurrent loans | 1,130.2457% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1470% | 4,254 |
| Noncurrent loans to loans | 0.0579% | 4,659 |
| Net loans and leases to total assets | 79.0437% | 1,157 |
| Net loans and leases to deposits | 99.1223% | 876 |
| Net loans and leases to core deposits | 109.5919% | 1,029 |
| Total domestic deposits to total assets | 79.7436% | 4,297 |
| Equity capital to assets | 12.0159% | 1,845 |
| Core capital (leverage) ratio | 11.2328% | 2,319 |
| Tier 1 risk-based capital ratio | 11.4311% | 4,817 |
| Total risk-based capital ratio | 12.0031% | 5,064 |
| Memoranda: | ||
| Average total assets | $1,083,381,330 | 707 |
| Average earning assets | $976,428,000 | 724 |
| Average equity | $130,222,670 | 657 |
| Average total loans | $876,925,330 | 625 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 1,346 |
| Cost of funding earning assets | 0.8697% | 690 |
| Net interest margin | 3.8124% | 2,373 |
| Noninterest income to average assets | 0.7362% | 1,678 |
| Noninterest expense to average assets | 2.8514% | 2,527 |
| Loan and lease loss provision to assets | 0.3614% | 331 |
| Net operating income to assets | 0.7908% | 3,742 |
| Return on assets (ROA) | 0.7902% | 3,753 |
| Pretax return on assets | 0.9880% | 3,577 |
| Return on Equity (ROE) | 6.5727% | 3,954 |
| Retained earnings to average equity (ytd only) | 6.5727% | 2,465 |
| Net charge-offs to loans | 0.0461% | 1,660 |
| Credit loss provision to net charge-offs | 959.5960% | 357 |
| Earnings coverage of net charge-offs (x) | 35.8485% | 1,127 |
| Efficiency ratio | 67.8649% | 2,851 |
| Assets per employee ($millions) | 6.9358% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6832% | 5,059 |
| Loan loss allowance to noncurrent loans | 218.1717% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2497% | 3,872 |
| Noncurrent loans to loans | 0.3132% | 3,648 |
| Net loans and leases to total assets | 79.1998% | 1,050 |
| Net loans and leases to deposits | 96.9235% | 943 |
| Net loans and leases to core deposits | 111.7478% | 901 |
| Total domestic deposits to total assets | 81.7137% | 4,041 |
| Equity capital to assets | 11.7609% | 1,937 |
| Core capital (leverage) ratio | 10.5659% | 2,871 |
| Tier 1 risk-based capital ratio | 10.9057% | 5,184 |
| Total risk-based capital ratio | 11.4971% | 5,355 |
| Memoranda: | ||
| Average total assets | $1,051,402,000 | 729 |
| Average earning assets | $955,724,500 | 742 |
| Average equity | $126,402,500 | 677 |
| Average total loans | $858,948,500 | 641 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2594% | 2,466 |
| Cost of funding earning assets | 0.6435% | 1,339 |
| Net interest margin | 3.6158% | 3,117 |
| Noninterest income to average assets | 0.8054% | 1,546 |
| Noninterest expense to average assets | 2.6167% | 3,391 |
| Loan and lease loss provision to assets | 0.1149% | 1,977 |
| Net operating income to assets | 0.7693% | 3,306 |
| Return on assets (ROA) | 0.7768% | 3,308 |
| Pretax return on assets | 1.3745% | 2,074 |
| Return on Equity (ROE) | 6.9669% | 3,295 |
| Retained earnings to average equity (ytd only) | 6.9669% | 1,089 |
| Net charge-offs to loans | 0.0590% | 2,628 |
| Credit loss provision to net charge-offs | 242.3256% | 1,141 |
| Earnings coverage of net charge-offs (x) | 31.1558% | 1,508 |
| Efficiency ratio | 63.9089% | 3,618 |
| Assets per employee ($millions) | 6.9444% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5899% | 5,264 |
| Loan loss allowance to noncurrent loans | 234.3866% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.2108% | 4,080 |
| Noncurrent loans to loans | 0.2517% | 3,882 |
| Net loans and leases to total assets | 83.2692% | 518 |
| Net loans and leases to deposits | 103.0106% | 545 |
| Net loans and leases to core deposits | 117.7506% | 659 |
| Total domestic deposits to total assets | 80.8356% | 4,159 |
| Equity capital to assets | 12.2993% | 1,640 |
| Core capital (leverage) ratio | 10.6979% | 2,651 |
| Tier 1 risk-based capital ratio | 11.0455% | 5,116 |
| Total risk-based capital ratio | 11.5666% | 5,360 |
| Memoranda: | ||
| Average total assets | $906,587,400 | 823 |
| Average earning assets | $824,654,600 | 834 |
| Average equity | $101,077,400 | 817 |
| Average total loans | $729,295,600 | 723 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0328% | 3,234 |
| Cost of funding earning assets | 0.6037% | 1,507 |
| Net interest margin | 3.4291% | 3,742 |
| Noninterest income to average assets | 0.7980% | 1,606 |
| Noninterest expense to average assets | 2.5677% | 3,507 |
| Loan and lease loss provision to assets | 0.1051% | 2,011 |
| Net operating income to assets | 0.8619% | 3,218 |
| Return on assets (ROA) | 0.8724% | 3,214 |
| Pretax return on assets | 1.2639% | 2,652 |
| Return on Equity (ROE) | 8.0665% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.0665% | 1,190 |
| Net charge-offs to loans | 0.0279% | 2,876 |
| Credit loss provision to net charge-offs | 473.9726% | 676 |
| Earnings coverage of net charge-offs (x) | 61.0622% | 981 |
| Efficiency ratio | 65.4779% | 3,292 |
| Assets per employee ($millions) | 6.7902% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5945% | 5,335 |
| Loan loss allowance to noncurrent loans | 109.7927% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 0.4477% | 3,242 |
| Noncurrent loans to loans | 0.5414% | 3,079 |
| Net loans and leases to total assets | 81.1873% | 806 |
| Net loans and leases to deposits | 99.6756% | 764 |
| Net loans and leases to core deposits | 116.5561% | 732 |
| Total domestic deposits to total assets | 81.4515% | 3,931 |
| Equity capital to assets | 12.1339% | 1,879 |
| Core capital (leverage) ratio | 10.6018% | 2,880 |
| Tier 1 risk-based capital ratio | 10.9361% | 5,283 |
| Total risk-based capital ratio | 11.4524% | 5,501 |
| Memoranda: | ||
| Average total assets | $878,028,500 | 859 |
| Average earning assets | $799,758,250 | 864 |
| Average equity | $94,958,250 | 866 |
| Average total loans | $697,850,750 | 750 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5193% | 4,719 |
| Cost of funding earning assets | 0.5479% | 1,792 |
| Net interest margin | 2.9714% | 4,972 |
| Noninterest income to average assets | 0.8059% | 1,551 |
| Noninterest expense to average assets | 2.3676% | 4,152 |
| Loan and lease loss provision to assets | 0.0946% | 2,095 |
| Net operating income to assets | 0.7124% | 3,785 |
| Return on assets (ROA) | 0.7282% | 3,782 |
| Pretax return on assets | 1.0662% | 3,313 |
| Return on Equity (ROE) | 7.0894% | 3,506 |
| Retained earnings to average equity (ytd only) | 7.0894% | 1,553 |
| Net charge-offs to loans | 0.0261% | 2,691 |
| Credit loss provision to net charge-offs | 461.1765% | 705 |
| Earnings coverage of net charge-offs (x) | 55.4706% | 1,000 |
| Efficiency ratio | 67.5454% | 3,086 |
| Assets per employee ($millions) | 6.7706% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5676% | 5,430 |
| Loan loss allowance to noncurrent loans | 971.1066% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 5,037 |
| Noncurrent loans to loans | 0.0584% | 4,893 |
| Net loans and leases to total assets | 81.2000% | 788 |
| Net loans and leases to deposits | 97.5078% | 939 |
| Net loans and leases to core deposits | 111.8357% | 913 |
| Total domestic deposits to total assets | 83.2754% | 3,477 |
| Equity capital to assets | 11.6074% | 2,227 |
| Core capital (leverage) ratio | 13.9678% | 876 |
| Tier 1 risk-based capital ratio | 10.6178% | 5,417 |
| Total risk-based capital ratio | 11.1252% | 5,621 |
| Memoranda: | ||
| Average total assets | $828,932,330 | 909 |
| Average earning assets | $753,042,330 | 924 |
| Average equity | $85,140,670 | 961 |
| Average total loans | $651,332,670 | 808 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7823% | 3,823 |
| Cost of funding earning assets | 0.5850% | 1,476 |
| Net interest margin | 3.1972% | 4,353 |
| Noninterest income to average assets | 0.8784% | 1,311 |
| Noninterest expense to average assets | 2.6129% | 3,449 |
| Loan and lease loss provision to assets | 0.1814% | 951 |
| Net operating income to assets | 0.6949% | 3,733 |
| Return on assets (ROA) | 0.6949% | 3,770 |
| Pretax return on assets | 1.0308% | 3,233 |
| Return on Equity (ROE) | 7.4412% | 3,187 |
| Retained earnings to average equity (ytd only) | 7.4412% | 1,674 |
| Net charge-offs to loans | 0.0200% | 2,384 |
| Credit loss provision to net charge-offs | 1,185.7143% | 270 |
| Earnings coverage of net charge-offs (x) | 79.2500% | 657 |
| Efficiency ratio | 68.3091% | 3,147 |
| Assets per employee ($millions) | 6.2286% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 4,983 |
| Loan loss allowance to noncurrent loans | 2,152.7273% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0355% | 5,169 |
| Noncurrent loans to loans | 0.0387% | 5,043 |
| Net loans and leases to total assets | 76.7913% | 1,292 |
| Net loans and leases to deposits | 88.4849% | 1,731 |
| Net loans and leases to core deposits | 100.2380% | 1,491 |
| Total domestic deposits to total assets | 86.7847% | 2,316 |
| Equity capital to assets | 9.4192% | 4,374 |
| Core capital (leverage) ratio | 9.6552% | 3,919 |
| Tier 1 risk-based capital ratio | 10.3496% | 5,607 |
| Total risk-based capital ratio | 11.0503% | 5,717 |
| Memoranda: | ||
| Average total assets | $732,214,500 | 1,012 |
| Average earning assets | $674,831,000 | 1,007 |
| Average equity | $68,376,000 | 1,165 |
| Average total loans | $559,548,000 | 915 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8858% | 3,622 |
| Cost of funding earning assets | 0.5721% | 1,532 |
| Net interest margin | 3.3137% | 4,101 |
| Noninterest income to average assets | 0.9068% | 1,393 |
| Noninterest expense to average assets | 2.7622% | 3,149 |
| Loan and lease loss provision to assets | 0.0148% | 4,078 |
| Net operating income to assets | 0.7927% | 3,343 |
| Return on assets (ROA) | 0.8150% | 3,343 |
| Pretax return on assets | 1.2095% | 2,624 |
| Return on Equity (ROE) | 8.3937% | 2,747 |
| Retained earnings to average equity (ytd only) | 8.3937% | 739 |
| Net charge-offs to loans | 0.0394% | 3,238 |
| Credit loss provision to net charge-offs | 49.2611% | 3,390 |
| Earnings coverage of net charge-offs (x) | 39.7635% | 1,183 |
| Efficiency ratio | 69.8739% | 2,922 |
| Assets per employee ($millions) | 6.2884% | 1,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8059% | 5,089 |
| Loan loss allowance to noncurrent loans | 5,909.3333% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 5,358 |
| Noncurrent loans to loans | 0.0136% | 5,222 |
| Net loans and leases to total assets | 74.7862% | 1,727 |
| Net loans and leases to deposits | 85.8594% | 2,194 |
| Net loans and leases to core deposits | 97.0863% | 1,829 |
| Total domestic deposits to total assets | 87.1032% | 2,084 |
| Equity capital to assets | 9.2567% | 4,511 |
| Core capital (leverage) ratio | 9.6536% | 3,906 |
| Tier 1 risk-based capital ratio | 10.2521% | 5,671 |
| Total risk-based capital ratio | 10.9141% | 5,783 |
| Memoranda: | ||
| Average total assets | $677,786,000 | 1,045 |
| Average earning assets | $623,107,000 | 1,048 |
| Average equity | $65,811,200 | 1,194 |
| Average total loans | $515,630,600 | 952 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 3,754 |
| Cost of funding earning assets | 0.5701% | 1,544 |
| Net interest margin | 3.2842% | 4,236 |
| Noninterest income to average assets | 0.9313% | 1,308 |
| Noninterest expense to average assets | 2.8063% | 2,984 |
| Loan and lease loss provision to assets | 0.0201% | 3,836 |
| Net operating income to assets | 0.7669% | 3,526 |
| Return on assets (ROA) | 0.7977% | 3,513 |
| Pretax return on assets | 1.1699% | 2,966 |
| Return on Equity (ROE) | 8.1120% | 2,952 |
| Retained earnings to average equity (ytd only) | 8.1120% | 1,131 |
| Net charge-offs to loans | 0.0510% | 2,642 |
| Credit loss provision to net charge-offs | 51.5464% | 3,013 |
| Earnings coverage of net charge-offs (x) | 29.4227% | 1,508 |
| Efficiency ratio | 71.0283% | 2,736 |
| Assets per employee ($millions) | 6.7484% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8437% | 5,062 |
| Loan loss allowance to noncurrent loans | 4,270.1923% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 3,096 |
| Noncurrent loans to loans | 0.0198% | 5,315 |
| Net loans and leases to total assets | 73.6630% | 1,927 |
| Net loans and leases to deposits | 85.9324% | 2,268 |
| Net loans and leases to core deposits | 96.9921% | 1,904 |
| Total domestic deposits to total assets | 85.7221% | 2,494 |
| Equity capital to assets | 9.5450% | 4,617 |
| Core capital (leverage) ratio | 9.8919% | 3,706 |
| Tier 1 risk-based capital ratio | 10.5545% | 5,599 |
| Total risk-based capital ratio | 11.2539% | 5,750 |
| Memoranda: | ||
| Average total assets | $664,870,000 | 1,067 |
| Average earning assets | $611,320,750 | 1,070 |
| Average equity | $65,383,250 | 1,208 |
| Average total loans | $507,048,250 | 967 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8838% | 3,649 |
| Cost of funding earning assets | 0.5691% | 1,552 |
| Net interest margin | 3.3146% | 4,179 |
| Noninterest income to average assets | 0.9208% | 1,315 |
| Noninterest expense to average assets | 2.7787% | 3,095 |
| Loan and lease loss provision to assets | 0.0308% | 3,514 |
| Net operating income to assets | 0.7922% | 3,348 |
| Return on assets (ROA) | 0.8129% | 3,384 |
| Pretax return on assets | 1.1939% | 2,799 |
| Return on Equity (ROE) | 8.1785% | 2,894 |
| Retained earnings to average equity (ytd only) | 8.1785% | 1,110 |
| Net charge-offs to loans | 0.0715% | 2,161 |
| Credit loss provision to net charge-offs | 55.8659% | 2,620 |
| Earnings coverage of net charge-offs (x) | 21.6927% | 1,667 |
| Efficiency ratio | 69.9412% | 2,992 |
| Assets per employee ($millions) | 5.9085% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8627% | 5,089 |
| Loan loss allowance to noncurrent loans | 1,086.8293% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 2,651 |
| Noncurrent loans to loans | 0.0794% | 5,132 |
| Net loans and leases to total assets | 78.0800% | 1,191 |
| Net loans and leases to deposits | 92.2324% | 1,482 |
| Net loans and leases to core deposits | 105.9975% | 1,180 |
| Total domestic deposits to total assets | 84.6557% | 3,023 |
| Equity capital to assets | 10.1226% | 4,067 |
| Core capital (leverage) ratio | 10.0084% | 3,553 |
| Tier 1 risk-based capital ratio | 10.7204% | 5,568 |
| Total risk-based capital ratio | 11.4484% | 5,723 |
| Memoranda: | ||
| Average total assets | $650,300,670 | 1,094 |
| Average earning assets | $598,802,670 | 1,090 |
| Average equity | $64,633,000 | 1,222 |
| Average total loans | $500,597,330 | 978 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 3,493 |
| Cost of funding earning assets | 0.5622% | 1,606 |
| Net interest margin | 3.3609% | 4,004 |
| Noninterest income to average assets | 0.9142% | 1,279 |
| Noninterest expense to average assets | 2.7989% | 3,076 |
| Loan and lease loss provision to assets | 0.0618% | 2,709 |
| Net operating income to assets | 0.7902% | 3,297 |
| Return on assets (ROA) | 0.8271% | 3,240 |
| Pretax return on assets | 1.2101% | 2,658 |
| Return on Equity (ROE) | 8.4008% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.4008% | 1,298 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6863% | 3,188 |
| Assets per employee ($millions) | 6.1093% | 1,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 4,842 |
| Loan loss allowance to noncurrent loans | 806.0870% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.7501% | 2,827 |
| Noncurrent loans to loans | 0.1179% | 5,005 |
| Net loans and leases to total assets | 73.1845% | 1,857 |
| Net loans and leases to deposits | 86.3388% | 2,029 |
| Net loans and leases to core deposits | 100.3602% | 1,453 |
| Total domestic deposits to total assets | 84.7644% | 3,222 |
| Equity capital to assets | 9.7775% | 4,368 |
| Core capital (leverage) ratio | 10.0432% | 3,481 |
| Tier 1 risk-based capital ratio | 10.8919% | 5,555 |
| Total risk-based capital ratio | 11.6777% | 5,702 |
| Memoranda: | ||
| Average total assets | $647,531,500 | 1,091 |
| Average earning assets | $597,694,500 | 1,082 |
| Average equity | $63,755,500 | 1,228 |
| Average total loans | $492,628,500 | 985 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7882% | 4,080 |
| Cost of funding earning assets | 0.5872% | 1,450 |
| Net interest margin | 3.2010% | 4,628 |
| Noninterest income to average assets | 1.0245% | 1,131 |
| Noninterest expense to average assets | 2.8871% | 2,897 |
| Loan and lease loss provision to assets | 0.0417% | 3,503 |
| Net operating income to assets | 0.7171% | 3,729 |
| Return on assets (ROA) | 0.7317% | 3,761 |
| Pretax return on assets | 1.0668% | 3,201 |
| Return on Equity (ROE) | 7.4507% | 3,273 |
| Retained earnings to average equity (ytd only) | 7.4507% | 1,111 |
| Net charge-offs to loans | -0.0060% | 5,008 |
| Credit loss provision to net charge-offs | -910.7143% | 5,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6413% | 2,799 |
| Assets per employee ($millions) | 5.9370% | 1,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 5,048 |
| Loan loss allowance to noncurrent loans | 788.6957% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.7909% | 2,694 |
| Noncurrent loans to loans | 0.1155% | 5,036 |
| Net loans and leases to total assets | 77.6397% | 1,177 |
| Net loans and leases to deposits | 91.2975% | 1,476 |
| Net loans and leases to core deposits | 106.4527% | 1,074 |
| Total domestic deposits to total assets | 85.0403% | 3,071 |
| Equity capital to assets | 9.9170% | 4,054 |
| Core capital (leverage) ratio | 9.9197% | 3,619 |
| Tier 1 risk-based capital ratio | 10.6952% | 5,679 |
| Total risk-based capital ratio | 11.4668% | 5,817 |
| Memoranda: | ||
| Average total assets | $612,025,200 | 1,114 |
| Average earning assets | $564,041,800 | 1,112 |
| Average equity | $60,102,000 | 1,261 |
| Average total loans | $466,326,600 | 991 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7915% | 4,112 |
| Cost of funding earning assets | 0.5921% | 1,458 |
| Net interest margin | 3.1994% | 4,669 |
| Noninterest income to average assets | 1.0682% | 1,054 |
| Noninterest expense to average assets | 2.9850% | 2,573 |
| Loan and lease loss provision to assets | 0.0561% | 3,072 |
| Net operating income to assets | 0.6682% | 4,044 |
| Return on assets (ROA) | 0.6877% | 4,074 |
| Pretax return on assets | 1.0005% | 3,611 |
| Return on Equity (ROE) | 7.0215% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.0215% | 1,674 |
| Net charge-offs to loans | -0.0081% | 4,925 |
| Credit loss provision to net charge-offs | -910.7143% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3794% | 2,491 |
| Assets per employee ($millions) | 5.9776% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9566% | 4,951 |
| Loan loss allowance to noncurrent loans | 432.7290% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.8999% | 2,623 |
| Noncurrent loans to loans | 0.2211% | 4,774 |
| Net loans and leases to total assets | 74.8128% | 1,582 |
| Net loans and leases to deposits | 88.1645% | 1,878 |
| Net loans and leases to core deposits | 103.3108% | 1,278 |
| Total domestic deposits to total assets | 84.8559% | 3,073 |
| Equity capital to assets | 9.7568% | 4,439 |
| Core capital (leverage) ratio | 9.8315% | 3,857 |
| Tier 1 risk-based capital ratio | 11.4356% | 5,411 |
| Total risk-based capital ratio | 12.2797% | 5,545 |
| Memoranda: | ||
| Average total assets | $606,218,000 | 1,130 |
| Average earning assets | $558,008,250 | 1,128 |
| Average equity | $59,378,000 | 1,281 |
| Average total loans | $458,472,250 | 1,011 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7087% | 4,380 |
| Cost of funding earning assets | 0.5925% | 1,465 |
| Net interest margin | 3.1162% | 4,929 |
| Noninterest income to average assets | 1.0636% | 1,056 |
| Noninterest expense to average assets | 3.0053% | 2,538 |
| Loan and lease loss provision to assets | 0.0851% | 2,413 |
| Net operating income to assets | 0.5831% | 4,422 |
| Return on assets (ROA) | 0.6066% | 4,423 |
| Pretax return on assets | 0.8743% | 4,051 |
| Return on Equity (ROE) | 6.1847% | 4,045 |
| Retained earnings to average equity (ytd only) | 6.1847% | 2,125 |
| Net charge-offs to loans | -0.0190% | 5,155 |
| Credit loss provision to net charge-offs | -593.0233% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4566% | 2,287 |
| Assets per employee ($millions) | 5.7109% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 5,029 |
| Loan loss allowance to noncurrent loans | 428.8407% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.9554% | 2,622 |
| Noncurrent loans to loans | 0.2250% | 4,880 |
| Net loans and leases to total assets | 76.4318% | 1,308 |
| Net loans and leases to deposits | 90.3466% | 1,554 |
| Net loans and leases to core deposits | 107.9736% | 954 |
| Total domestic deposits to total assets | 84.5984% | 3,295 |
| Equity capital to assets | 9.7231% | 4,377 |
| Core capital (leverage) ratio | 9.9426% | 3,692 |
| Tier 1 risk-based capital ratio | 11.5717% | 5,416 |
| Total risk-based capital ratio | 12.4485% | 5,543 |
| Memoranda: | ||
| Average total assets | $599,075,670 | 1,151 |
| Average earning assets | $551,191,000 | 1,146 |
| Average equity | $58,758,000 | 1,296 |
| Average total loans | $453,265,000 | 1,023 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6324% | 4,587 |
| Cost of funding earning assets | 0.5860% | 1,531 |
| Net interest margin | 3.0464% | 5,087 |
| Noninterest income to average assets | 0.9719% | 1,184 |
| Noninterest expense to average assets | 3.0680% | 2,370 |
| Loan and lease loss provision to assets | 0.1045% | 1,959 |
| Net operating income to assets | 0.4284% | 4,954 |
| Return on assets (ROA) | 0.5031% | 4,787 |
| Pretax return on assets | 0.7129% | 4,552 |
| Return on Equity (ROE) | 5.1070% | 4,477 |
| Retained earnings to average equity (ytd only) | 5.1070% | 2,995 |
| Net charge-offs to loans | -0.0342% | 5,327 |
| Credit loss provision to net charge-offs | -407.8947% | 4,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1597% | 1,735 |
| Assets per employee ($millions) | 5.8281% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9789% | 5,132 |
| Loan loss allowance to noncurrent loans | 773.0435% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.9284% | 2,776 |
| Noncurrent loans to loans | 0.1266% | 5,321 |
| Net loans and leases to total assets | 74.1802% | 1,475 |
| Net loans and leases to deposits | 87.7504% | 1,639 |
| Net loans and leases to core deposits | 102.5635% | 1,138 |
| Total domestic deposits to total assets | 84.5354% | 3,607 |
| Equity capital to assets | 9.7240% | 4,473 |
| Core capital (leverage) ratio | 10.0591% | 3,525 |
| Tier 1 risk-based capital ratio | 11.1959% | 5,715 |
| Total risk-based capital ratio | 12.0412% | 5,829 |
| Memoranda: | ||
| Average total assets | $593,083,000 | 1,166 |
| Average earning assets | $546,749,500 | 1,159 |
| Average equity | $58,430,000 | 1,308 |
| Average total loans | $444,100,000 | 1,042 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7683% | 4,585 |
| Cost of funding earning assets | 0.6339% | 1,521 |
| Net interest margin | 3.1344% | 5,113 |
| Noninterest income to average assets | 0.7731% | 1,979 |
| Noninterest expense to average assets | 2.9149% | 3,100 |
| Loan and lease loss provision to assets | 0.1387% | 1,905 |
| Net operating income to assets | 0.4211% | 5,148 |
| Return on assets (ROA) | 0.5462% | 4,696 |
| Pretax return on assets | 0.7572% | 4,414 |
| Return on Equity (ROE) | 5.5338% | 4,390 |
| Retained earnings to average equity (ytd only) | 5.0799% | 2,540 |
| Net charge-offs to loans | 0.1732% | 2,295 |
| Credit loss provision to net charge-offs | 111.6883% | 2,134 |
| Earnings coverage of net charge-offs (x) | 5.8139% | 3,351 |
| Efficiency ratio | 80.1468% | 1,907 |
| Assets per employee ($millions) | 5.4721% | 1,790 |
| Cash dividends to net income (ytd only)* | 8.2021% | 4,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 5,159 |
| Loan loss allowance to noncurrent loans | 739.4783% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 2,794 |
| Noncurrent loans to loans | 0.1324% | 5,364 |
| Net loans and leases to total assets | 74.1117% | 1,567 |
| Net loans and leases to deposits | 86.2431% | 1,949 |
| Net loans and leases to core deposits | 98.5457% | 1,508 |
| Total domestic deposits to total assets | 85.9335% | 2,880 |
| Equity capital to assets | 9.9855% | 4,131 |
| Core capital (leverage) ratio | 10.2076% | 3,299 |
| Tier 1 risk-based capital ratio | 10.8253% | 5,975 |
| Total risk-based capital ratio | 11.6184% | 6,100 |
| Memoranda: | ||
| Average total assets | $558,001,000 | 1,193 |
| Average earning assets | $509,826,000 | 1,203 |
| Average equity | $55,079,800 | 1,326 |
| Average total loans | $400,189,000 | 1,101 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7050% | 4,842 |
| Cost of funding earning assets | 0.6446% | 1,492 |
| Net interest margin | 3.0604% | 5,358 |
| Noninterest income to average assets | 0.7418% | 2,132 |
| Noninterest expense to average assets | 2.8882% | 3,167 |
| Loan and lease loss provision to assets | 0.1361% | 1,834 |
| Net operating income to assets | 0.3740% | 5,348 |
| Return on assets (ROA) | 0.4906% | 4,972 |
| Pretax return on assets | 0.6694% | 4,807 |
| Return on Equity (ROE) | 4.9855% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.3724% | 3,539 |
| Net charge-offs to loans | 0.1790% | 2,017 |
| Credit loss provision to net charge-offs | 107.2243% | 2,075 |
| Earnings coverage of net charge-offs (x) | 5.0874% | 3,323 |
| Efficiency ratio | 81.7263% | 1,655 |
| Assets per employee ($millions) | 5.2333% | 1,978 |
| Cash dividends to net income (ytd only)* | 12.2973% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 5,120 |
| Loan loss allowance to noncurrent loans | 483.2377% | 999 |
| Noncurrent assets plus other real estate owned to assets | 1.1619% | 2,623 |
| Noncurrent loans to loans | 0.2112% | 5,272 |
| Net loans and leases to total assets | 71.5683% | 1,924 |
| Net loans and leases to deposits | 83.3597% | 2,246 |
| Net loans and leases to core deposits | 96.9312% | 1,600 |
| Total domestic deposits to total assets | 85.8548% | 2,929 |
| Equity capital to assets | 9.8678% | 4,333 |
| Core capital (leverage) ratio | 10.0222% | 3,650 |
| Tier 1 risk-based capital ratio | 10.9060% | 6,040 |
| Total risk-based capital ratio | 11.7118% | 6,167 |
| Memoranda: | ||
| Average total assets | $552,491,500 | 1,216 |
| Average earning assets | $504,061,250 | 1,229 |
| Average equity | $54,369,750 | 1,351 |
| Average total loans | $391,704,000 | 1,127 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6915% | 4,886 |
| Cost of funding earning assets | 0.6517% | 1,500 |
| Net interest margin | 3.0398% | 5,421 |
| Noninterest income to average assets | 0.6108% | 2,762 |
| Noninterest expense to average assets | 2.7999% | 3,511 |
| Loan and lease loss provision to assets | 0.1449% | 1,706 |
| Net operating income to assets | 0.3284% | 5,470 |
| Return on assets (ROA) | 0.4531% | 5,079 |
| Pretax return on assets | 0.6060% | 4,940 |
| Return on Equity (ROE) | 4.6082% | 4,860 |
| Retained earnings to average equity (ytd only) | 4.6082% | 3,225 |
| Net charge-offs to loans | 0.2407% | 1,601 |
| Credit loss provision to net charge-offs | 85.5292% | 2,256 |
| Earnings coverage of net charge-offs (x) | 3.4514% | 3,302 |
| Efficiency ratio | 82.7225% | 1,666 |
| Assets per employee ($millions) | 5.5748% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 5,160 |
| Loan loss allowance to noncurrent loans | 431.0924% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 1.2356% | 2,626 |
| Noncurrent loans to loans | 0.2408% | 5,275 |
| Net loans and leases to total assets | 69.4783% | 2,162 |
| Net loans and leases to deposits | 81.0729% | 2,379 |
| Net loans and leases to core deposits | 93.4718% | 1,821 |
| Total domestic deposits to total assets | 85.6985% | 3,194 |
| Equity capital to assets | 9.8385% | 4,305 |
| Core capital (leverage) ratio | 10.1505% | 3,416 |
| Tier 1 risk-based capital ratio | 11.2778% | 5,919 |
| Total risk-based capital ratio | 12.0992% | 6,059 |
| Memoranda: | ||
| Average total assets | $546,511,000 | 1,227 |
| Average earning assets | $498,718,330 | 1,240 |
| Average equity | $53,730,000 | 1,351 |
| Average total loans | $384,786,000 | 1,141 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 5,014 |
| Cost of funding earning assets | 0.6553% | 1,556 |
| Net interest margin | 2.9921% | 5,543 |
| Noninterest income to average assets | 0.4957% | 3,442 |
| Noninterest expense to average assets | 2.7333% | 3,822 |
| Loan and lease loss provision to assets | 0.1003% | 2,250 |
| Net operating income to assets | 0.3216% | 5,422 |
| Return on assets (ROA) | 0.3493% | 5,375 |
| Pretax return on assets | 0.4310% | 5,359 |
| Return on Equity (ROE) | 3.5541% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.5541% | 4,002 |
| Net charge-offs to loans | -0.0011% | 4,673 |
| Credit loss provision to net charge-offs | -13,500.0000% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6101% | 1,604 |
| Assets per employee ($millions) | 5.4639% | 1,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 5,041 |
| Loan loss allowance to noncurrent loans | 335.1751% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 1.3653% | 2,588 |
| Noncurrent loans to loans | 0.3336% | 5,112 |
| Net loans and leases to total assets | 69.7182% | 1,942 |
| Net loans and leases to deposits | 81.6554% | 2,081 |
| Net loans and leases to core deposits | 93.2535% | 1,614 |
| Total domestic deposits to total assets | 85.3810% | 3,682 |
| Equity capital to assets | 9.8106% | 4,094 |
| Core capital (leverage) ratio | 10.2890% | 3,185 |
| Tier 1 risk-based capital ratio | 11.2930% | 6,023 |
| Total risk-based capital ratio | 12.1699% | 6,141 |
| Memoranda: | ||
| Average total assets | $538,241,000 | 1,255 |
| Average earning assets | $491,967,000 | 1,263 |
| Average equity | $52,897,000 | 1,373 |
| Average total loans | $379,528,000 | 1,162 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9139% | 4,408 |
| Cost of funding earning assets | 0.7009% | 1,808 |
| Net interest margin | 3.2129% | 4,964 |
| Noninterest income to average assets | 0.7077% | 2,499 |
| Noninterest expense to average assets | 2.7613% | 3,868 |
| Loan and lease loss provision to assets | 0.1624% | 2,248 |
| Net operating income to assets | 0.5308% | 4,595 |
| Return on assets (ROA) | 0.6212% | 4,276 |
| Pretax return on assets | 0.8667% | 3,895 |
| Return on Equity (ROE) | 5.9482% | 4,116 |
| Retained earnings to average equity (ytd only) | 3.8624% | 3,451 |
| Net charge-offs to loans | 0.1946% | 2,910 |
| Credit loss provision to net charge-offs | 118.3261% | 2,028 |
| Earnings coverage of net charge-offs (x) | 6.5844% | 3,030 |
| Efficiency ratio | 75.3458% | 2,887 |
| Assets per employee ($millions) | 5.6999% | 1,475 |
| Cash dividends to net income (ytd only)* | 35.0653% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1158% | 5,067 |
| Loan loss allowance to noncurrent loans | 350.2099% | 1,305 |
| Noncurrent assets plus other real estate owned to assets | 1.4220% | 2,615 |
| Noncurrent loans to loans | 0.3186% | 5,233 |
| Net loans and leases to total assets | 69.7322% | 2,062 |
| Net loans and leases to deposits | 81.5552% | 2,245 |
| Net loans and leases to core deposits | 91.7329% | 1,817 |
| Total domestic deposits to total assets | 85.5031% | 3,505 |
| Equity capital to assets | 9.8455% | 3,965 |
| Core capital (leverage) ratio | 10.4401% | 2,974 |
| Tier 1 risk-based capital ratio | 11.6869% | 5,809 |
| Total risk-based capital ratio | 12.5745% | 5,946 |
| Memoranda: | ||
| Average total assets | $505,019,000 | 1,321 |
| Average earning assets | $464,807,800 | 1,310 |
| Average equity | $52,739,000 | 1,345 |
| Average total loans | $356,193,800 | 1,203 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9042% | 4,488 |
| Cost of funding earning assets | 0.7103% | 1,883 |
| Net interest margin | 3.1938% | 5,022 |
| Noninterest income to average assets | 0.7675% | 2,291 |
| Noninterest expense to average assets | 2.7848% | 3,713 |
| Loan and lease loss provision to assets | 0.1917% | 1,909 |
| Net operating income to assets | 0.5258% | 4,683 |
| Return on assets (ROA) | 0.6461% | 4,264 |
| Pretax return on assets | 0.9054% | 3,860 |
| Return on Equity (ROE) | 6.0946% | 4,139 |
| Retained earnings to average equity (ytd only) | 3.3209% | 4,313 |
| Net charge-offs to loans | 0.2664% | 2,221 |
| Credit loss provision to net charge-offs | 101.9915% | 2,296 |
| Earnings coverage of net charge-offs (x) | 4.9360% | 3,316 |
| Efficiency ratio | 75.0126% | 2,903 |
| Assets per employee ($millions) | 5.5704% | 1,562 |
| Cash dividends to net income (ytd only)* | 45.5109% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0759% | 5,422 |
| Loan loss allowance to noncurrent loans | 332.3505% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 1.4570% | 2,762 |
| Noncurrent loans to loans | 0.3237% | 5,416 |
| Net loans and leases to total assets | 71.2555% | 1,736 |
| Net loans and leases to deposits | 83.7217% | 1,910 |
| Net loans and leases to core deposits | 94.0669% | 1,570 |
| Total domestic deposits to total assets | 85.1100% | 3,680 |
| Equity capital to assets | 9.8071% | 4,170 |
| Core capital (leverage) ratio | 10.4891% | 3,016 |
| Tier 1 risk-based capital ratio | 11.5276% | 6,047 |
| Total risk-based capital ratio | 12.3920% | 6,185 |
| Memoranda: | ||
| Average total assets | $498,750,750 | 1,340 |
| Average earning assets | $459,875,000 | 1,324 |
| Average equity | $52,876,250 | 1,355 |
| Average total loans | $351,788,250 | 1,214 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8603% | 4,619 |
| Cost of funding earning assets | 0.7142% | 1,967 |
| Net interest margin | 3.1461% | 5,135 |
| Noninterest income to average assets | 0.8237% | 2,096 |
| Noninterest expense to average assets | 2.8765% | 3,419 |
| Loan and lease loss provision to assets | 0.1631% | 2,289 |
| Net operating income to assets | 0.4952% | 4,819 |
| Return on assets (ROA) | 0.6671% | 4,138 |
| Pretax return on assets | 0.9363% | 3,760 |
| Return on Equity (ROE) | 6.1291% | 4,091 |
| Retained earnings to average equity (ytd only) | 6.1291% | 2,356 |
| Net charge-offs to loans | 0.4101% | 1,578 |
| Credit loss provision to net charge-offs | 56.8182% | 3,075 |
| Earnings coverage of net charge-offs (x) | 2.9858% | 3,538 |
| Efficiency ratio | 77.0424% | 2,617 |
| Assets per employee ($millions) | 6.0691% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 5,684 |
| Loan loss allowance to noncurrent loans | 236.1111% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 2,864 |
| Noncurrent loans to loans | 0.4388% | 5,165 |
| Net loans and leases to total assets | 70.0815% | 1,863 |
| Net loans and leases to deposits | 83.1595% | 1,906 |
| Net loans and leases to core deposits | 94.4101% | 1,486 |
| Total domestic deposits to total assets | 84.2736% | 4,210 |
| Equity capital to assets | 10.3520% | 3,490 |
| Core capital (leverage) ratio | 10.9105% | 2,440 |
| Tier 1 risk-based capital ratio | 11.7936% | 5,918 |
| Total risk-based capital ratio | 12.6049% | 6,142 |
| Memoranda: | ||
| Average total assets | $490,460,670 | 1,363 |
| Average earning assets | $453,641,000 | 1,347 |
| Average equity | $53,384,330 | 1,347 |
| Average total loans | $343,328,670 | 1,235 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8565% | 4,627 |
| Cost of funding earning assets | 0.7243% | 2,030 |
| Net interest margin | 3.1323% | 5,155 |
| Noninterest income to average assets | 0.8212% | 2,039 |
| Noninterest expense to average assets | 3.0101% | 2,957 |
| Loan and lease loss provision to assets | 0.2246% | 1,638 |
| Net operating income to assets | 0.3513% | 5,342 |
| Return on assets (ROA) | 0.6573% | 4,076 |
| Pretax return on assets | 0.9210% | 3,683 |
| Return on Equity (ROE) | 5.8857% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.8857% | 2,742 |
| Net charge-offs to loans | 0.0072% | 4,007 |
| Credit loss provision to net charge-offs | 4,500.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 143.1667% | 277 |
| Efficiency ratio | 80.8130% | 2,206 |
| Assets per employee ($millions) | 5.5354% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 4,803 |
| Loan loss allowance to noncurrent loans | 78.4414% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.4161% | 3,150 |
| Noncurrent loans to loans | 1.6304% | 3,094 |
| Net loans and leases to total assets | 68.2660% | 1,962 |
| Net loans and leases to deposits | 81.3533% | 1,918 |
| Net loans and leases to core deposits | 92.7188% | 1,436 |
| Total domestic deposits to total assets | 83.9130% | 4,515 |
| Equity capital to assets | 11.0475% | 2,906 |
| Core capital (leverage) ratio | 11.1774% | 2,115 |
| Tier 1 risk-based capital ratio | 12.9996% | 5,216 |
| Total risk-based capital ratio | 14.0475% | 5,314 |
| Memoranda: | ||
| Average total assets | $480,788,500 | 1,395 |
| Average earning assets | $445,685,500 | 1,384 |
| Average equity | $53,689,000 | 1,354 |
| Average total loans | $334,483,500 | 1,273 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2638% | 4,346 |
| Cost of funding earning assets | 0.7794% | 2,835 |
| Net interest margin | 3.4844% | 4,564 |
| Noninterest income to average assets | 0.7244% | 2,608 |
| Noninterest expense to average assets | 3.0464% | 3,106 |
| Loan and lease loss provision to assets | 0.2531% | 2,630 |
| Net operating income to assets | 0.4567% | 4,851 |
| Return on assets (ROA) | 0.6130% | 4,438 |
| Pretax return on assets | 0.8628% | 4,059 |
| Return on Equity (ROE) | 5.2908% | 4,542 |
| Retained earnings to average equity (ytd only) | 5.2908% | 2,505 |
| Net charge-offs to loans | 0.1823% | 3,919 |
| Credit loss provision to net charge-offs | 197.3022% | 1,320 |
| Earnings coverage of net charge-offs (x) | 6.9838% | 2,700 |
| Efficiency ratio | 77.2765% | 2,552 |
| Assets per employee ($millions) | 5.8576% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 5,031 |
| Loan loss allowance to noncurrent loans | 76.5329% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 1.4269% | 3,259 |
| Noncurrent loans to loans | 1.5910% | 3,238 |
| Net loans and leases to total assets | 69.1480% | 2,006 |
| Net loans and leases to deposits | 82.0623% | 1,991 |
| Net loans and leases to core deposits | 93.7439% | 1,489 |
| Total domestic deposits to total assets | 84.2628% | 4,199 |
| Equity capital to assets | 11.2894% | 2,639 |
| Core capital (leverage) ratio | 11.4665% | 1,902 |
| Tier 1 risk-based capital ratio | 13.2475% | 4,935 |
| Total risk-based capital ratio | 14.2678% | 5,034 |
| Memoranda: | ||
| Average total assets | $433,464,000 | 1,522 |
| Average earning assets | $400,298,000 | 1,505 |
| Average equity | $50,219,000 | 1,413 |
| Average total loans | $305,006,000 | 1,373 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2993% | 4,458 |
| Cost of funding earning assets | 0.8002% | 2,933 |
| Net interest margin | 3.4991% | 4,650 |
| Noninterest income to average assets | 0.6821% | 2,806 |
| Noninterest expense to average assets | 3.0669% | 2,990 |
| Loan and lease loss provision to assets | 0.2968% | 2,213 |
| Net operating income to assets | 0.3863% | 5,306 |
| Return on assets (ROA) | 0.5800% | 4,753 |
| Pretax return on assets | 0.8175% | 4,424 |
| Return on Equity (ROE) | 4.9706% | 4,831 |
| Retained earnings to average equity (ytd only) | 4.9706% | 3,385 |
| Net charge-offs to loans | 0.2490% | 3,226 |
| Credit loss provision to net charge-offs | 169.1203% | 1,648 |
| Earnings coverage of net charge-offs (x) | 4.7953% | 3,201 |
| Efficiency ratio | 78.4701% | 2,324 |
| Assets per employee ($millions) | 5.5667% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2187% | 5,203 |
| Loan loss allowance to noncurrent loans | 78.6249% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.6833% | 3,060 |
| Noncurrent loans to loans | 1.5500% | 3,460 |
| Net loans and leases to total assets | 69.8901% | 1,924 |
| Net loans and leases to deposits | 83.3292% | 1,953 |
| Net loans and leases to core deposits | 96.6734% | 1,354 |
| Total domestic deposits to total assets | 83.8723% | 4,285 |
| Equity capital to assets | 11.6848% | 2,549 |
| Core capital (leverage) ratio | 11.7740% | 1,789 |
| Tier 1 risk-based capital ratio | 13.6355% | 4,793 |
| Total risk-based capital ratio | 14.6638% | 4,894 |
| Memoranda: | ||
| Average total assets | $423,214,500 | 1,570 |
| Average earning assets | $390,224,750 | 1,553 |
| Average equity | $49,382,750 | 1,444 |
| Average total loans | $298,226,250 | 1,420 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3062% | 4,546 |
| Cost of funding earning assets | 0.8265% | 2,980 |
| Net interest margin | 3.4796% | 4,764 |
| Noninterest income to average assets | 0.7116% | 2,602 |
| Noninterest expense to average assets | 3.0711% | 3,013 |
| Loan and lease loss provision to assets | 0.2184% | 2,890 |
| Net operating income to assets | 0.4585% | 5,003 |
| Return on assets (ROA) | 0.5619% | 4,814 |
| Pretax return on assets | 0.7831% | 4,535 |
| Return on Equity (ROE) | 4.8176% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.8176% | 3,396 |
| Net charge-offs to loans | 0.3522% | 2,608 |
| Credit loss provision to net charge-offs | 88.1092% | 3,101 |
| Earnings coverage of net charge-offs (x) | 3.4620% | 3,363 |
| Efficiency ratio | 78.1630% | 2,440 |
| Assets per employee ($millions) | 5.4200% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 5,636 |
| Loan loss allowance to noncurrent loans | 68.1989% | 4,282 |
| Noncurrent assets plus other real estate owned to assets | 1.8497% | 2,970 |
| Noncurrent loans to loans | 1.6605% | 3,403 |
| Net loans and leases to total assets | 70.1809% | 1,889 |
| Net loans and leases to deposits | 84.1239% | 1,837 |
| Net loans and leases to core deposits | 94.7806% | 1,526 |
| Total domestic deposits to total assets | 83.4256% | 4,565 |
| Equity capital to assets | 12.0996% | 2,075 |
| Core capital (leverage) ratio | 11.9546% | 1,622 |
| Tier 1 risk-based capital ratio | 14.1178% | 4,360 |
| Total risk-based capital ratio | 15.0755% | 4,554 |
| Memoranda: | ||
| Average total assets | $413,985,330 | 1,601 |
| Average earning assets | $382,800,330 | 1,579 |
| Average equity | $48,281,330 | 1,462 |
| Average total loans | $291,293,670 | 1,456 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3389% | 4,574 |
| Cost of funding earning assets | 0.8629% | 2,967 |
| Net interest margin | 3.4760% | 4,808 |
| Noninterest income to average assets | 0.6203% | 3,104 |
| Noninterest expense to average assets | 3.0259% | 3,166 |
| Loan and lease loss provision to assets | 0.2812% | 2,216 |
| Net operating income to assets | 0.3806% | 5,345 |
| Return on assets (ROA) | 0.5181% | 4,956 |
| Pretax return on assets | 0.7304% | 4,689 |
| Return on Equity (ROE) | 4.5316% | 5,025 |
| Retained earnings to average equity (ytd only) | 4.5316% | 3,863 |
| Net charge-offs to loans | 0.7215% | 1,395 |
| Credit loss provision to net charge-offs | 55.6420% | 3,188 |
| Earnings coverage of net charge-offs (x) | 1.6187% | 3,511 |
| Efficiency ratio | 78.7212% | 2,396 |
| Assets per employee ($millions) | 5.7886% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 5,813 |
| Loan loss allowance to noncurrent loans | 65.6576% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 1.8745% | 3,081 |
| Noncurrent loans to loans | 1.7178% | 3,535 |
| Net loans and leases to total assets | 67.9389% | 2,131 |
| Net loans and leases to deposits | 80.8626% | 2,077 |
| Net loans and leases to core deposits | 90.4234% | 1,808 |
| Total domestic deposits to total assets | 84.0177% | 4,480 |
| Equity capital to assets | 12.0021% | 2,040 |
| Core capital (leverage) ratio | 12.2713% | 1,450 |
| Tier 1 risk-based capital ratio | 14.4459% | 4,151 |
| Total risk-based capital ratio | 15.3929% | 4,329 |
| Memoranda: | ||
| Average total assets | $406,888,500 | 1,630 |
| Average earning assets | $377,334,500 | 1,605 |
| Average equity | $46,518,000 | 1,498 |
| Average total loans | $284,969,500 | 1,491 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 5,067 |
| Cost of funding earning assets | 1.0360% | 3,117 |
| Net interest margin | 3.4650% | 5,268 |
| Noninterest income to average assets | 0.7585% | 2,291 |
| Noninterest expense to average assets | 3.1861% | 2,912 |
| Loan and lease loss provision to assets | 0.2275% | 3,924 |
| Net operating income to assets | 0.4020% | 4,854 |
| Return on assets (ROA) | 0.4434% | 4,881 |
| Pretax return on assets | 0.6253% | 4,608 |
| Return on Equity (ROE) | 3.9165% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.9165% | 3,424 |
| Net charge-offs to loans | 0.1349% | 5,067 |
| Credit loss provision to net charge-offs | 239.7015% | 1,010 |
| Earnings coverage of net charge-offs (x) | 8.3701% | 2,161 |
| Efficiency ratio | 80.0413% | 2,294 |
| Assets per employee ($millions) | 5.1475% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2530% | 5,152 |
| Loan loss allowance to noncurrent loans | 63.5177% | 4,324 |
| Noncurrent assets plus other real estate owned to assets | 2.2126% | 2,722 |
| Noncurrent loans to loans | 1.9726% | 3,242 |
| Net loans and leases to total assets | 70.5692% | 1,910 |
| Net loans and leases to deposits | 82.9489% | 2,074 |
| Net loans and leases to core deposits | 93.9212% | 1,708 |
| Total domestic deposits to total assets | 85.0755% | 3,803 |
| Equity capital to assets | 10.8175% | 3,175 |
| Core capital (leverage) ratio | 10.9559% | 2,306 |
| Tier 1 risk-based capital ratio | 12.5874% | 5,379 |
| Total risk-based capital ratio | 13.6468% | 5,513 |
| Memoranda: | ||
| Average total assets | $352,933,800 | 1,832 |
| Average earning assets | $328,200,800 | 1,799 |
| Average equity | $39,959,200 | 1,690 |
| Average total loans | $248,416,600 | 1,684 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 5,278 |
| Cost of funding earning assets | 1.0742% | 3,151 |
| Net interest margin | 3.4166% | 5,519 |
| Noninterest income to average assets | 0.7013% | 2,601 |
| Noninterest expense to average assets | 3.1833% | 2,872 |
| Loan and lease loss provision to assets | 0.2365% | 3,644 |
| Net operating income to assets | 0.3341% | 5,274 |
| Return on assets (ROA) | 0.3755% | 5,288 |
| Pretax return on assets | 0.5215% | 5,081 |
| Return on Equity (ROE) | 3.2749% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.2749% | 4,386 |
| Net charge-offs to loans | 0.1773% | 4,386 |
| Credit loss provision to net charge-offs | 190.3125% | 1,525 |
| Earnings coverage of net charge-offs (x) | 5.6374% | 2,733 |
| Efficiency ratio | 81.9636% | 1,980 |
| Assets per employee ($millions) | 5.0920% | 2,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,212 |
| Loan loss allowance to noncurrent loans | 61.5556% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 2.3447% | 2,736 |
| Noncurrent loans to loans | 2.0409% | 3,313 |
| Net loans and leases to total assets | 71.2646% | 1,852 |
| Net loans and leases to deposits | 84.8368% | 1,870 |
| Net loans and leases to core deposits | 94.1772% | 1,779 |
| Total domestic deposits to total assets | 84.0020% | 4,228 |
| Equity capital to assets | 11.4047% | 2,773 |
| Core capital (leverage) ratio | 11.5095% | 2,020 |
| Tier 1 risk-based capital ratio | 13.1820% | 4,959 |
| Total risk-based capital ratio | 14.2698% | 5,053 |
| Memoranda: | ||
| Average total assets | $343,365,000 | 1,893 |
| Average earning assets | $319,845,000 | 1,853 |
| Average equity | $39,369,250 | 1,722 |
| Average total loans | $240,626,750 | 1,754 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 5,359 |
| Cost of funding earning assets | 1.1249% | 3,072 |
| Net interest margin | 3.3739% | 5,628 |
| Noninterest income to average assets | 0.6788% | 2,661 |
| Noninterest expense to average assets | 3.2055% | 2,878 |
| Loan and lease loss provision to assets | 0.2312% | 3,597 |
| Net operating income to assets | 0.2819% | 5,440 |
| Return on assets (ROA) | 0.3045% | 5,493 |
| Pretax return on assets | 0.4171% | 5,343 |
| Return on Equity (ROE) | 2.6508% | 5,545 |
| Retained earnings to average equity (ytd only) | 2.6508% | 4,605 |
| Net charge-offs to loans | 0.0481% | 5,173 |
| Credit loss provision to net charge-offs | 692.8571% | 461 |
| Earnings coverage of net charge-offs (x) | 18.5000% | 1,255 |
| Efficiency ratio | 83.8504% | 1,835 |
| Assets per employee ($millions) | 4.9625% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 4,616 |
| Loan loss allowance to noncurrent loans | 57.4084% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 2.3214% | 2,834 |
| Noncurrent loans to loans | 2.4241% | 2,963 |
| Net loans and leases to total assets | 68.6811% | 2,482 |
| Net loans and leases to deposits | 79.3856% | 2,910 |
| Net loans and leases to core deposits | 88.4611% | 2,574 |
| Total domestic deposits to total assets | 86.5158% | 3,032 |
| Equity capital to assets | 11.6660% | 2,354 |
| Core capital (leverage) ratio | 12.1704% | 1,520 |
| Tier 1 risk-based capital ratio | 14.1293% | 4,074 |
| Total risk-based capital ratio | 15.3297% | 4,085 |
| Memoranda: | ||
| Average total assets | $335,613,000 | 1,942 |
| Average earning assets | $312,749,670 | 1,902 |
| Average equity | $38,555,000 | 1,742 |
| Average total loans | $232,637,330 | 1,832 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 5,545 |
| Cost of funding earning assets | 1.1673% | 3,042 |
| Net interest margin | 3.2756% | 5,860 |
| Noninterest income to average assets | 0.6514% | 2,836 |
| Noninterest expense to average assets | 3.2160% | 2,840 |
| Loan and lease loss provision to assets | 0.2851% | 2,868 |
| Net operating income to assets | 0.1633% | 5,909 |
| Return on assets (ROA) | 0.1662% | 5,949 |
| Pretax return on assets | 0.2074% | 5,922 |
| Return on Equity (ROE) | 1.4586% | 5,997 |
| Retained earnings to average equity (ytd only) | 1.4586% | 5,230 |
| Net charge-offs to loans | 0.1000% | 3,951 |
| Credit loss provision to net charge-offs | 412.2807% | 824 |
| Earnings coverage of net charge-offs (x) | 7.0702% | 2,002 |
| Efficiency ratio | 86.8042% | 1,630 |
| Assets per employee ($millions) | 4.9828% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3884% | 4,724 |
| Loan loss allowance to noncurrent loans | 53.6125% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 2.4177% | 2,816 |
| Noncurrent loans to loans | 2.5898% | 2,907 |
| Net loans and leases to total assets | 67.3488% | 2,686 |
| Net loans and leases to deposits | 77.5129% | 3,150 |
| Net loans and leases to core deposits | 85.6667% | 2,929 |
| Total domestic deposits to total assets | 86.8872% | 3,004 |
| Equity capital to assets | 11.5713% | 2,212 |
| Core capital (leverage) ratio | 12.4747% | 1,337 |
| Tier 1 risk-based capital ratio | 14.3274% | 3,848 |
| Total risk-based capital ratio | 15.5134% | 3,860 |
| Memoranda: | ||
| Average total assets | $329,730,500 | 1,982 |
| Average earning assets | $307,363,500 | 1,941 |
| Average equity | $37,570,000 | 1,768 |
| Average total loans | $227,981,000 | 1,877 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 5,534 |
| Cost of funding earning assets | 1.4776% | 2,774 |
| Net interest margin | 3.2923% | 6,003 |
| Noninterest income to average assets | 0.9785% | 1,577 |
| Noninterest expense to average assets | 3.3628% | 2,550 |
| Loan and lease loss provision to assets | 0.2109% | 5,144 |
| Net operating income to assets | 1.2709% | 1,246 |
| Return on assets (ROA) | 1.3271% | 1,180 |
| Pretax return on assets | 0.5949% | 4,344 |
| Return on Equity (ROE) | 11.4474% | 1,470 |
| Retained earnings to average equity (ytd only) | 11.4474% | 336 |
| Net charge-offs to loans | 0.0642% | 6,151 |
| Credit loss provision to net charge-offs | 443.7956% | 519 |
| Earnings coverage of net charge-offs (x) | 15.7737% | 1,260 |
| Efficiency ratio | 81.7729% | 2,195 |
| Assets per employee ($millions) | 4.7152% | 2,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 4,739 |
| Loan loss allowance to noncurrent loans | 6,897.7273% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 5,612 |
| Noncurrent loans to loans | 0.0196% | 7,096 |
| Net loans and leases to total assets | 69.0875% | 2,743 |
| Net loans and leases to deposits | 79.8999% | 3,194 |
| Net loans and leases to core deposits | 90.0940% | 2,754 |
| Total domestic deposits to total assets | 86.4676% | 3,098 |
| Equity capital to assets | 11.2070% | 2,499 |
| Core capital (leverage) ratio | 11.6442% | 1,759 |
| Tier 1 risk-based capital ratio | 13.8815% | 3,938 |
| Total risk-based capital ratio | 15.0509% | 3,973 |
| Memoranda: | ||
| Average total assets | $288,298,800 | 2,224 |
| Average earning assets | $274,425,200 | 2,155 |
| Average equity | $33,422,400 | 1,978 |
| Average total loans | $213,233,600 | 2,033 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7751% | 5,760 |
| Cost of funding earning assets | 1.5140% | 2,889 |
| Net interest margin | 3.2610% | 6,141 |
| Noninterest income to average assets | 0.9369% | 1,660 |
| Noninterest expense to average assets | 3.3616% | 2,393 |
| Loan and lease loss provision to assets | 0.2370% | 4,706 |
| Net operating income to assets | 1.5759% | 776 |
| Return on assets (ROA) | 1.6506% | 739 |
| Pretax return on assets | 0.5367% | 4,805 |
| Return on Equity (ROE) | 14.1035% | 1,010 |
| Retained earnings to average equity (ytd only) | 14.1035% | 265 |
| Net charge-offs to loans | 0.0703% | 5,810 |
| Credit loss provision to net charge-offs | 448.6486% | 672 |
| Earnings coverage of net charge-offs (x) | 13.2339% | 1,603 |
| Efficiency ratio | 82.7865% | 1,973 |
| Assets per employee ($millions) | 5.0089% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 4,823 |
| Loan loss allowance to noncurrent loans | 6,706.8182% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 6,776 |
| Noncurrent loans to loans | 0.0198% | 7,214 |
| Net loans and leases to total assets | 71.8948% | 2,274 |
| Net loans and leases to deposits | 83.2434% | 2,853 |
| Net loans and leases to core deposits | 94.8780% | 2,403 |
| Total domestic deposits to total assets | 86.3670% | 2,879 |
| Equity capital to assets | 11.8133% | 2,274 |
| Core capital (leverage) ratio | 11.6021% | 1,869 |
| Tier 1 risk-based capital ratio | 14.1779% | 3,704 |
| Total risk-based capital ratio | 15.3911% | 3,700 |
| Memoranda: | ||
| Average total assets | $280,215,750 | 2,314 |
| Average earning assets | $268,414,750 | 2,229 |
| Average equity | $32,794,750 | 2,028 |
| Average total loans | $210,404,250 | 2,096 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 5,837 |
| Cost of funding earning assets | 1.5477% | 2,972 |
| Net interest margin | 3.2390% | 6,196 |
| Noninterest income to average assets | 0.9169% | 1,634 |
| Noninterest expense to average assets | 3.4117% | 2,232 |
| Loan and lease loss provision to assets | 0.2443% | 4,479 |
| Net operating income to assets | 0.3672% | 4,904 |
| Return on assets (ROA) | 0.4828% | 4,562 |
| Pretax return on assets | 0.4828% | 4,954 |
| Return on Equity (ROE) | 4.1395% | 4,716 |
| Retained earnings to average equity (ytd only) | 4.1395% | 3,438 |
| Net charge-offs to loans | 0.0960% | 5,188 |
| Credit loss provision to net charge-offs | 335.3535% | 1,084 |
| Earnings coverage of net charge-offs (x) | 8.3939% | 2,141 |
| Efficiency ratio | 84.7997% | 1,834 |
| Assets per employee ($millions) | 4.6264% | 2,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3090% | 4,861 |
| Loan loss allowance to noncurrent loans | 6,356.8182% | 69 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 6,774 |
| Noncurrent loans to loans | 0.0206% | 7,274 |
| Net loans and leases to total assets | 73.5157% | 2,025 |
| Net loans and leases to deposits | 84.8067% | 2,740 |
| Net loans and leases to core deposits | 103.5931% | 1,679 |
| Total domestic deposits to total assets | 86.6862% | 2,714 |
| Equity capital to assets | 11.4518% | 2,480 |
| Core capital (leverage) ratio | 11.2563% | 2,065 |
| Tier 1 risk-based capital ratio | 14.1679% | 3,617 |
| Total risk-based capital ratio | 15.3907% | 3,601 |
| Memoranda: | ||
| Average total assets | $271,772,670 | 2,401 |
| Average earning assets | $260,639,670 | 2,299 |
| Average equity | $31,694,670 | 2,084 |
| Average total loans | $206,331,670 | 2,160 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7249% | 6,154 |
| Cost of funding earning assets | 1.4996% | 3,558 |
| Net interest margin | 3.2253% | 6,212 |
| Noninterest income to average assets | 0.7811% | 2,113 |
| Noninterest expense to average assets | 3.3606% | 2,343 |
| Loan and lease loss provision to assets | 0.2240% | 4,253 |
| Net operating income to assets | 0.3058% | 5,279 |
| Return on assets (ROA) | 0.4254% | 4,869 |
| Pretax return on assets | 0.4254% | 5,211 |
| Return on Equity (ROE) | 3.6121% | 5,070 |
| Retained earnings to average equity (ytd only) | 3.6121% | 3,988 |
| Net charge-offs to loans | 0.0316% | 5,129 |
| Credit loss provision to net charge-offs | 925.0000% | 502 |
| Earnings coverage of net charge-offs (x) | 21.8750% | 1,110 |
| Efficiency ratio | 86.3813% | 1,754 |
| Assets per employee ($millions) | 4.6731% | 2,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,881 |
| Loan loss allowance to noncurrent loans | 449.3333% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 6,795 |
| Noncurrent loans to loans | 0.2914% | 6,744 |
| Net loans and leases to total assets | 70.1415% | 2,897 |
| Net loans and leases to deposits | 79.2132% | 3,801 |
| Net loans and leases to core deposits | 96.5352% | 2,520 |
| Total domestic deposits to total assets | 88.5477% | 1,762 |
| Equity capital to assets | 10.8338% | 2,923 |
| Core capital (leverage) ratio | 12.0366% | 1,637 |
| Tier 1 risk-based capital ratio | 13.9148% | 3,713 |
| Total risk-based capital ratio | 15.1135% | 3,715 |
| Memoranda: | ||
| Average total assets | $264,240,000 | 2,525 |
| Average earning assets | $254,737,500 | 2,400 |
| Average equity | $31,118,000 | 2,135 |
| Average total loans | $202,663,500 | 2,245 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0475% | 1,680 |
| Cost of funding earning assets | 1.8539% | 3,714 |
| Net interest margin | 4.1936% | 2,086 |
| Noninterest income to average assets | -0.0812% | 7,790 |
| Noninterest expense to average assets | 4.1460% | 1,166 |
| Loan and lease loss provision to assets | 0.7252% | 2,940 |
| Net operating income to assets | -0.9468% | 6,539 |
| Return on assets (ROA) | -0.7733% | 6,416 |
| Pretax return on assets | -0.7733% | 6,250 |
| Return on Equity (ROE) | -5.4576% | 6,259 |
| Retained earnings to average equity (ytd only) | -5.4576% | 6,083 |
| Net charge-offs to loans | 0.0921% | 6,206 |
| Credit loss provision to net charge-offs | 977.0270% | 301 |
| Earnings coverage of net charge-offs (x) | -2.9865% | 7,049 |
| Efficiency ratio | 105.6486% | 916 |
| Assets per employee ($millions) | 3.9139% | 3,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 4,840 |
| Loan loss allowance to noncurrent loans | 470.4587% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.3162% | 6,644 |
| Noncurrent loans to loans | 0.2733% | 6,746 |
| Net loans and leases to total assets | 82.4488% | 620 |
| Net loans and leases to deposits | 95.4770% | 1,397 |
| Net loans and leases to core deposits | 145.1791% | 638 |
| Total domestic deposits to total assets | 86.3546% | 2,838 |
| Equity capital to assets | 12.9204% | 1,537 |
| Core capital (leverage) ratio | 13.1987% | 1,186 |
| Tier 1 risk-based capital ratio | 14.5729% | 3,162 |
| Total risk-based capital ratio | 15.7835% | 3,140 |
| Memoranda: | ||
| Average total assets | $199,398,800 | 3,188 |
| Average earning assets | $190,458,800 | 3,092 |
| Average equity | $28,254,400 | 2,353 |
| Average total loans | $160,752,200 | 2,750 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9172% | 2,369 |
| Cost of funding earning assets | 1.9047% | 3,861 |
| Net interest margin | 4.0124% | 2,755 |
| Noninterest income to average assets | -0.1611% | 7,957 |
| Noninterest expense to average assets | 4.2708% | 947 |
| Loan and lease loss provision to assets | 0.7603% | 2,467 |
| Net operating income to assets | -1.3680% | 7,049 |
| Return on assets (ROA) | -1.1838% | 6,953 |
| Pretax return on assets | -1.1838% | 6,807 |
| Return on Equity (ROE) | -8.1284% | 6,745 |
| Retained earnings to average equity (ytd only) | -8.1284% | 6,618 |
| Net charge-offs to loans | 0.0803% | 5,875 |
| Credit loss provision to net charge-offs | 1,187.9121% | 320 |
| Earnings coverage of net charge-offs (x) | -9.4945% | 6,900 |
| Efficiency ratio | 116.5899% | 646 |
| Assets per employee ($millions) | 4.0392% | 3,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 5,233 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0949% | 7,314 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 78.0452% | 1,559 |
| Net loans and leases to deposits | 90.5554% | 2,468 |
| Net loans and leases to core deposits | 136.0034% | 1,096 |
| Total domestic deposits to total assets | 86.1850% | 2,599 |
| Equity capital to assets | 12.7121% | 1,824 |
| Core capital (leverage) ratio | 13.2167% | 1,317 |
| Tier 1 risk-based capital ratio | 14.7292% | 3,171 |
| Total risk-based capital ratio | 15.8177% | 3,186 |
| Memoranda: | ||
| Average total assets | $189,561,750 | 3,317 |
| Average earning assets | $180,667,250 | 3,228 |
| Average equity | $27,606,250 | 2,425 |
| Average total loans | $151,088,250 | 2,928 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8249% | 2,935 |
| Cost of funding earning assets | 1.9711% | 3,909 |
| Net interest margin | 3.8539% | 3,326 |
| Noninterest income to average assets | -0.2349% | 8,077 |
| Noninterest expense to average assets | 4.5405% | 747 |
| Loan and lease loss provision to assets | 0.9467% | 1,785 |
| Net operating income to assets | -2.0679% | 7,446 |
| Return on assets (ROA) | -1.7841% | 7,353 |
| Pretax return on assets | -1.7841% | 7,213 |
| Return on Equity (ROE) | -11.5603% | 7,143 |
| Retained earnings to average equity (ytd only) | -11.5603% | 7,017 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.7891% | 503 |
| Assets per employee ($millions) | 3.5109% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2025% | 4,920 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1009% | 7,328 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 82.5012% | 865 |
| Net loans and leases to deposits | 95.7750% | 1,832 |
| Net loans and leases to core deposits | 148.1355% | 697 |
| Total domestic deposits to total assets | 86.1407% | 2,715 |
| Equity capital to assets | 13.0864% | 1,662 |
| Core capital (leverage) ratio | 14.5714% | 1,006 |
| Tier 1 risk-based capital ratio | 14.6561% | 3,164 |
| Total risk-based capital ratio | 15.7694% | 3,177 |
| Memoranda: | ||
| Average total assets | $171,965,000 | 3,603 |
| Average earning assets | $163,057,330 | 3,505 |
| Average equity | $26,539,000 | 2,516 |
| Average total loans | $137,651,000 | 3,191 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2810% | 5,971 |
| Cost of funding earning assets | 2.0232% | 4,021 |
| Net interest margin | 3.2579% | 5,666 |
| Noninterest income to average assets | 0.0959% | 7,570 |
| Noninterest expense to average assets | 4.4852% | 718 |
| Loan and lease loss provision to assets | 0.8628% | 1,521 |
| Net operating income to assets | -2.1688% | 7,705 |
| Return on assets (ROA) | -2.1688% | 7,703 |
| Pretax return on assets | -2.1688% | 7,581 |
| Return on Equity (ROE) | -12.7521% | 7,509 |
| Retained earnings to average equity (ytd only) | -12.7521% | 7,307 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.0758% | 403 |
| Assets per employee ($millions) | 3.5945% | 4,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1622% | 5,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 7,223 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.8110% | 1,623 |
| Net loans and leases to deposits | 94.6870% | 2,154 |
| Net loans and leases to core deposits | 149.4094% | 729 |
| Total domestic deposits to total assets | 83.2333% | 4,027 |
| Equity capital to assets | 15.8765% | 895 |
| Core capital (leverage) ratio | 17.9821% | 555 |
| Tier 1 risk-based capital ratio | 17.5921% | 2,158 |
| Total risk-based capital ratio | 18.6297% | 2,166 |
| Memoranda: | ||
| Average total assets | $154,374,500 | 3,938 |
| Average earning assets | $146,108,000 | 3,825 |
| Average equity | $26,254,500 | 2,549 |
| Average total loans | $119,987,500 | 3,557 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 8,071 |
| Cost of funding earning assets | 1.4720% | 7,652 |
| Net interest margin | 2.7705% | 7,380 |
| Noninterest income to average assets | 0.0194% | 8,033 |
| Noninterest expense to average assets | 8.0313% | 221 |
| Loan and lease loss provision to assets | 1.4505% | 939 |
| Net operating income to assets | -6.8485% | 8,189 |
| Return on assets (ROA) | -6.8405% | 8,185 |
| Pretax return on assets | -6.8405% | 8,155 |
| Return on Equity (ROE) | -22.5361% | 7,812 |
| Retained earnings to average equity (ytd only) | -22.5361% | 7,746 |
| Net charge-offs to loans | 0.0039% | 6,944 |
| Credit loss provision to net charge-offs | 63,400.0000% | 3 |
| Earnings coverage of net charge-offs (x) | -2,359.5000% | 7,036 |
| Efficiency ratio | 304.9957% | 99 |
| Assets per employee ($millions) | 2.9611% | 6,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,260 |
| Loan loss allowance to noncurrent loans | 605.7416% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1534% | 6,957 |
| Noncurrent loans to loans | 0.2041% | 6,777 |
| Net loans and leases to total assets | 74.2458% | 3,042 |
| Net loans and leases to deposits | 92.0553% | 3,126 |
| Net loans and leases to core deposits | 139.6779% | 1,287 |
| Total domestic deposits to total assets | 80.6535% | 4,789 |
| Equity capital to assets | 18.4390% | 606 |
| Core capital (leverage) ratio | 20.6116% | 395 |
| Tier 1 risk-based capital ratio | 20.7123% | 1,502 |
| Total risk-based capital ratio | 21.7692% | 1,496 |
| Memoranda: | ||
| Average total assets | $87,420,250 | 5,437 |
| Average earning assets | $82,475,000 | 5,349 |
| Average equity | $26,535,250 | 2,513 |
| Average total loans | $51,674,250 | 5,635 |