Home > Regent Bank > Performance and Condition Ratios
Regent Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3304% | 419 |
| Cost of funding earning assets | 2.3938% | 469 |
| Net interest margin | 3.9366% | 1,300 |
| Noninterest income to average assets | 0.6600% | 1,324 |
| Noninterest expense to average assets | 2.7694% | 1,580 |
| Loan and lease loss provision to assets | 0.2700% | 406 |
| Net operating income to assets | 1.0579% | 2,047 |
| Return on assets (ROA) | 1.0409% | 2,070 |
| Pretax return on assets | 1.3497% | 1,742 |
| Return on Equity (ROE) | 11.7600% | 2,018 |
| Retained earnings to average equity (ytd only) | 11.7566% | 661 |
| Net charge-offs to loans | 0.1883% | 568 |
| Credit loss provision to net charge-offs | 172.3313% | 1,344 |
| Earnings coverage of net charge-offs (x) | 10.6056% | 2,233 |
| Efficiency ratio | 62.8478% | 2,748 |
| Assets per employee ($millions) | 7.5792% | 1,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2143% | 2,213 |
| Loan loss allowance to noncurrent loans | 234.2439% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 1,367 |
| Noncurrent loans to loans | 0.5184% | 1,496 |
| Net loans and leases to total assets | 77.4600% | 920 |
| Net loans and leases to deposits | 88.6800% | 1,376 |
| Net loans and leases to core deposits | 115.7864% | 750 |
| Total domestic deposits to total assets | 87.3400% | 1,576 |
| Equity capital to assets | 9.1447% | 2,578 |
| Core capital (leverage) ratio | 10.1698% | 2,631 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3278% | 2,755 |
| Memoranda: | ||
| Average total assets | $1,353,296,800 | 768 |
| Average earning assets | $1,286,438,600 | 747 |
| Average equity | $119,822,200 | 827 |
| Average total loans | $1,109,172,400 | 672 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2672% | 380 |
| Cost of funding earning assets | 2.1501% | 546 |
| Net interest margin | 4.1171% | 1,039 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 2.8746% | 1,274 |
| Loan and lease loss provision to assets | 0.3100% | 298 |
| Net operating income to assets | 1.0769% | 2,126 |
| Return on assets (ROA) | 1.0536% | 2,197 |
| Pretax return on assets | 1.3936% | 1,792 |
| Return on Equity (ROE) | 12.0100% | 2,122 |
| Retained earnings to average equity (ytd only) | 12.0150% | 966 |
| Net charge-offs to loans | 0.2610% | 341 |
| Credit loss provision to net charge-offs | 141.0437% | 1,357 |
| Earnings coverage of net charge-offs (x) | 7.9788% | 2,212 |
| Efficiency ratio | 62.4452% | 2,667 |
| Assets per employee ($millions) | 6.8508% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 2,245 |
| Loan loss allowance to noncurrent loans | 481.4853% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 2,216 |
| Noncurrent loans to loans | 0.2546% | 2,325 |
| Net loans and leases to total assets | 81.1500% | 517 |
| Net loans and leases to deposits | 109.8774% | 201 |
| Net loans and leases to core deposits | 124.1369% | 455 |
| Total domestic deposits to total assets | 73.8600% | 4,169 |
| Equity capital to assets | 8.9299% | 2,460 |
| Core capital (leverage) ratio | 9.9719% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1404% | 2,797 |
| Memoranda: | ||
| Average total assets | $1,308,870,000 | 805 |
| Average earning assets | $1,243,375,250 | 772 |
| Average equity | $114,776,250 | 848 |
| Average total loans | $1,086,358,000 | 683 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1380% | 377 |
| Cost of funding earning assets | 1.9586% | 541 |
| Net interest margin | 4.1794% | 959 |
| Noninterest income to average assets | 0.6300% | 1,337 |
| Noninterest expense to average assets | 2.8564% | 1,314 |
| Loan and lease loss provision to assets | 0.2800% | 330 |
| Net operating income to assets | 1.1176% | 2,070 |
| Return on assets (ROA) | 1.0819% | 2,164 |
| Pretax return on assets | 1.4286% | 1,747 |
| Return on Equity (ROE) | 12.4200% | 2,037 |
| Retained earnings to average equity (ytd only) | 12.4193% | 902 |
| Net charge-offs to loans | 0.3770% | 220 |
| Credit loss provision to net charge-offs | 89.2857% | 1,506 |
| Earnings coverage of net charge-offs (x) | 5.5858% | 2,163 |
| Efficiency ratio | 61.9522% | 2,721 |
| Assets per employee ($millions) | 6.5234% | 2,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,555 |
| Loan loss allowance to noncurrent loans | 724.0000% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1360% | 2,595 |
| Noncurrent loans to loans | 0.1627% | 2,663 |
| Net loans and leases to total assets | 82.6400% | 359 |
| Net loans and leases to deposits | 98.0141% | 604 |
| Net loans and leases to core deposits | 116.8939% | 606 |
| Total domestic deposits to total assets | 84.3200% | 2,747 |
| Equity capital to assets | 8.8063% | 2,658 |
| Core capital (leverage) ratio | 9.3118% | 3,443 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0019% | 2,846 |
| Memoranda: | ||
| Average total assets | $1,283,872,667 | 804 |
| Average earning assets | $1,222,003,000 | 775 |
| Average equity | $111,842,333 | 864 |
| Average total loans | $1,069,488,333 | 675 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9880% | 317 |
| Cost of funding earning assets | 1.7703% | 482 |
| Net interest margin | 4.2177% | 922 |
| Noninterest income to average assets | 0.5600% | 1,579 |
| Noninterest expense to average assets | 2.8109% | 1,407 |
| Loan and lease loss provision to assets | 0.1900% | 550 |
| Net operating income to assets | 1.2021% | 1,925 |
| Return on assets (ROA) | 1.1301% | 2,093 |
| Pretax return on assets | 1.4854% | 1,703 |
| Return on Equity (ROE) | 13.0500% | 1,974 |
| Retained earnings to average equity (ytd only) | 13.0461% | 1,087 |
| Net charge-offs to loans | 0.7182% | 109 |
| Credit loss provision to net charge-offs | 31.5623% | 1,348 |
| Earnings coverage of net charge-offs (x) | 2.9558% | 1,909 |
| Efficiency ratio | 61.4292% | 2,760 |
| Assets per employee ($millions) | 6.8132% | 2,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 3,194 |
| Loan loss allowance to noncurrent loans | 5,182.8194% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 3,650 |
| Noncurrent loans to loans | 0.0207% | 3,629 |
| Net loans and leases to total assets | 82.1400% | 361 |
| Net loans and leases to deposits | 104.7645% | 287 |
| Net loans and leases to core deposits | 123.0403% | 383 |
| Total domestic deposits to total assets | 78.4000% | 3,954 |
| Equity capital to assets | 8.4693% | 2,918 |
| Core capital (leverage) ratio | 9.3429% | 3,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.7422% | 2,973 |
| Memoranda: | ||
| Average total assets | $1,273,469,000 | 830 |
| Average earning assets | $1,211,561,500 | 795 |
| Average equity | $110,316,500 | 883 |
| Average total loans | $1,058,696,500 | 695 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7959% | 434 |
| Cost of funding earning assets | 0.6447% | 738 |
| Net interest margin | 4.1513% | 607 |
| Noninterest income to average assets | 0.7300% | 1,185 |
| Noninterest expense to average assets | 2.9131% | 1,109 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.2309% | 1,658 |
| Return on assets (ROA) | 1.2309% | 1,610 |
| Pretax return on assets | 1.6017% | 1,165 |
| Return on Equity (ROE) | 13.6400% | 1,617 |
| Retained earnings to average equity (ytd only) | 13.6360% | 433 |
| Net charge-offs to loans | -0.0078% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.2593% | 2,723 |
| Assets per employee ($millions) | 6.6586% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 2,201 |
| Loan loss allowance to noncurrent loans | 442.2821% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 1,947 |
| Noncurrent loans to loans | 0.2801% | 2,150 |
| Net loans and leases to total assets | 82.2200% | 388 |
| Net loans and leases to deposits | 103.9166% | 304 |
| Net loans and leases to core deposits | 125.0346% | 289 |
| Total domestic deposits to total assets | 79.1200% | 3,988 |
| Equity capital to assets | 8.8713% | 2,441 |
| Core capital (leverage) ratio | 10.0300% | 2,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3216% | 2,915 |
| Memoranda: | ||
| Average total assets | $1,096,383,800 | 905 |
| Average earning assets | $1,043,179,200 | 878 |
| Average equity | $98,966,000 | 951 |
| Average total loans | $920,328,000 | 739 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 424 |
| Cost of funding earning assets | 0.4588% | 946 |
| Net interest margin | 4.1364% | 479 |
| Noninterest income to average assets | 0.7800% | 1,070 |
| Noninterest expense to average assets | 2.9064% | 1,038 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 1.2422% | 1,546 |
| Return on assets (ROA) | 1.2422% | 1,525 |
| Pretax return on assets | 1.6612% | 977 |
| Return on Equity (ROE) | 13.6900% | 1,514 |
| Retained earnings to average equity (ytd only) | 13.6942% | 511 |
| Net charge-offs to loans | -0.0091% | 3,671 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.6034% | 2,878 |
| Assets per employee ($millions) | 6.1313% | 2,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2841% | 2,106 |
| Loan loss allowance to noncurrent loans | 118.7050% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 0.9079% | 521 |
| Noncurrent loans to loans | 1.0818% | 695 |
| Net loans and leases to total assets | 82.8500% | 327 |
| Net loans and leases to deposits | 95.5006% | 576 |
| Net loans and leases to core deposits | 115.2256% | 340 |
| Total domestic deposits to total assets | 86.7500% | 2,839 |
| Equity capital to assets | 8.6361% | 2,450 |
| Core capital (leverage) ratio | 9.1402% | 3,461 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3164% | 2,980 |
| Memoranda: | ||
| Average total assets | $1,064,183,500 | 934 |
| Average earning assets | $1,013,292,000 | 906 |
| Average equity | $96,535,000 | 980 |
| Average total loans | $895,409,500 | 751 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3669% | 464 |
| Cost of funding earning assets | 0.2877% | 1,822 |
| Net interest margin | 4.0792% | 416 |
| Noninterest income to average assets | 0.8314% | 982 |
| Noninterest expense to average assets | 2.8617% | 1,052 |
| Loan and lease loss provision to assets | 0.1146% | 878 |
| Net operating income to assets | 1.3015% | 1,134 |
| Return on assets (ROA) | 1.3015% | 1,115 |
| Pretax return on assets | 1.7388% | 689 |
| Return on Equity (ROE) | 14.1071% | 1,090 |
| Retained earnings to average equity (ytd only) | 14.1071% | 351 |
| Net charge-offs to loans | -0.0091% | 3,559 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6920% | 3,216 |
| Assets per employee ($millions) | 6.2874% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 2,675 |
| Loan loss allowance to noncurrent loans | 265.5180% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 1,461 |
| Noncurrent loans to loans | 0.4521% | 1,765 |
| Net loans and leases to total assets | 84.3336% | 173 |
| Net loans and leases to deposits | 106.8053% | 121 |
| Net loans and leases to core deposits | 120.0836% | 195 |
| Total domestic deposits to total assets | 78.9601% | 4,301 |
| Equity capital to assets | 8.6909% | 2,620 |
| Core capital (leverage) ratio | 9.2531% | 3,189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.9531% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,046,945,333 | 938 |
| Average earning assets | $996,764,000 | 921 |
| Average equity | $96,590,000 | 982 |
| Average total loans | $881,713,667 | 750 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3444% | 410 |
| Cost of funding earning assets | 0.2778% | 1,844 |
| Net interest margin | 4.0666% | 360 |
| Noninterest income to average assets | 0.9685% | 728 |
| Noninterest expense to average assets | 2.8935% | 972 |
| Loan and lease loss provision to assets | 0.1183% | 704 |
| Net operating income to assets | 1.3594% | 888 |
| Return on assets (ROA) | 1.3594% | 873 |
| Pretax return on assets | 1.8261% | 518 |
| Return on Equity (ROE) | 14.2802% | 780 |
| Retained earnings to average equity (ytd only) | 14.2802% | 351 |
| Net charge-offs to loans | -0.0047% | 3,327 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8092% | 3,502 |
| Assets per employee ($millions) | 6.3697% | 2,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 2,539 |
| Loan loss allowance to noncurrent loans | 244.1896% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4263% | 1,426 |
| Noncurrent loans to loans | 0.5165% | 1,733 |
| Net loans and leases to total assets | 81.4982% | 180 |
| Net loans and leases to deposits | 93.9523% | 364 |
| Net loans and leases to core deposits | 112.0045% | 221 |
| Total domestic deposits to total assets | 86.7442% | 3,021 |
| Equity capital to assets | 9.0634% | 2,659 |
| Core capital (leverage) ratio | 9.7426% | 2,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.1839% | 3,030 |
| Memoranda: | ||
| Average total assets | $1,013,982,500 | 968 |
| Average earning assets | $964,834,000 | 952 |
| Average equity | $96,525,500 | 1,011 |
| Average total loans | $847,606,500 | 766 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7610% | 385 |
| Cost of funding earning assets | 0.4085% | 1,477 |
| Net interest margin | 4.3525% | 370 |
| Noninterest income to average assets | 0.7845% | 1,492 |
| Noninterest expense to average assets | 2.9527% | 1,059 |
| Loan and lease loss provision to assets | 0.2146% | 483 |
| Net operating income to assets | 1.2139% | 1,883 |
| Return on assets (ROA) | 1.2139% | 1,929 |
| Pretax return on assets | 1.6628% | 1,231 |
| Return on Equity (ROE) | 13.1128% | 1,423 |
| Retained earnings to average equity (ytd only) | 13.1128% | 385 |
| Net charge-offs to loans | 0.2726% | 329 |
| Credit loss provision to net charge-offs | 93.9089% | 1,857 |
| Earnings coverage of net charge-offs (x) | 8.2144% | 2,311 |
| Efficiency ratio | 61.1298% | 2,979 |
| Assets per employee ($millions) | 6.0264% | 2,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 2,285 |
| Loan loss allowance to noncurrent loans | 192.1457% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5810% | 1,137 |
| Noncurrent loans to loans | 0.6855% | 1,465 |
| Net loans and leases to total assets | 83.6367% | 124 |
| Net loans and leases to deposits | 95.6183% | 329 |
| Net loans and leases to core deposits | 100.2644% | 524 |
| Total domestic deposits to total assets | 87.4693% | 2,299 |
| Equity capital to assets | 10.0225% | 2,633 |
| Core capital (leverage) ratio | 9.7832% | 2,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7753% | 2,938 |
| Memoranda: | ||
| Average total assets | $912,230,800 | 1,036 |
| Average earning assets | $847,930,200 | 1,037 |
| Average equity | $84,452,000 | 1,154 |
| Average total loans | $764,959,200 | 823 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 479 |
| Cost of funding earning assets | 0.4427% | 1,404 |
| Net interest margin | 4.2719% | 483 |
| Noninterest income to average assets | 0.8067% | 1,503 |
| Noninterest expense to average assets | 2.8735% | 1,182 |
| Loan and lease loss provision to assets | 0.3114% | 247 |
| Net operating income to assets | 1.1728% | 2,260 |
| Return on assets (ROA) | 1.1728% | 2,322 |
| Pretax return on assets | 1.5694% | 1,794 |
| Return on Equity (ROE) | 12.9555% | 1,703 |
| Retained earnings to average equity (ytd only) | 12.9555% | 648 |
| Net charge-offs to loans | 0.3054% | 253 |
| Credit loss provision to net charge-offs | 121.9512% | 1,455 |
| Earnings coverage of net charge-offs (x) | 7.3664% | 2,137 |
| Efficiency ratio | 60.4397% | 2,922 |
| Assets per employee ($millions) | 6.2336% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 1,744 |
| Loan loss allowance to noncurrent loans | 292.3217% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.4123% | 1,809 |
| Noncurrent loans to loans | 0.5030% | 2,053 |
| Net loans and leases to total assets | 80.7516% | 254 |
| Net loans and leases to deposits | 91.7057% | 510 |
| Net loans and leases to core deposits | 96.5209% | 727 |
| Total domestic deposits to total assets | 88.0552% | 1,811 |
| Equity capital to assets | 9.4125% | 3,458 |
| Core capital (leverage) ratio | 9.1515% | 3,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9711% | 2,974 |
| Memoranda: | ||
| Average total assets | $899,232,000 | 1,056 |
| Average earning assets | $830,968,250 | 1,066 |
| Average equity | $81,405,000 | 1,206 |
| Average total loans | $751,896,250 | 846 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 659 |
| Cost of funding earning assets | 0.4884% | 1,273 |
| Net interest margin | 4.0764% | 728 |
| Noninterest income to average assets | 0.7540% | 1,660 |
| Noninterest expense to average assets | 2.6650% | 1,677 |
| Loan and lease loss provision to assets | 0.3719% | 194 |
| Net operating income to assets | 1.0991% | 2,553 |
| Return on assets (ROA) | 1.0991% | 2,621 |
| Pretax return on assets | 1.4683% | 2,114 |
| Return on Equity (ROE) | 12.3127% | 1,943 |
| Retained earnings to average equity (ytd only) | 12.3127% | 849 |
| Net charge-offs to loans | 0.4674% | 180 |
| Credit loss provision to net charge-offs | 94.5017% | 1,418 |
| Earnings coverage of net charge-offs (x) | 4.6758% | 2,024 |
| Efficiency ratio | 59.1534% | 3,131 |
| Assets per employee ($millions) | 6.1847% | 2,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,825 |
| Loan loss allowance to noncurrent loans | 372.1131% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.3213% | 2,313 |
| Noncurrent loans to loans | 0.3860% | 2,516 |
| Net loans and leases to total assets | 82.0366% | 217 |
| Net loans and leases to deposits | 92.8199% | 502 |
| Net loans and leases to core deposits | 99.1441% | 687 |
| Total domestic deposits to total assets | 88.3825% | 1,627 |
| Equity capital to assets | 9.0584% | 3,750 |
| Core capital (leverage) ratio | 8.5417% | 3,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9155% | 2,976 |
| Memoranda: | ||
| Average total assets | $887,294,000 | 1,062 |
| Average earning assets | $816,514,000 | 1,071 |
| Average equity | $79,203,000 | 1,232 |
| Average total loans | $747,083,667 | 851 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 774 |
| Cost of funding earning assets | 0.5462% | 1,124 |
| Net interest margin | 3.9525% | 908 |
| Noninterest income to average assets | 0.5840% | 2,279 |
| Noninterest expense to average assets | 2.5798% | 1,932 |
| Loan and lease loss provision to assets | 0.4093% | 185 |
| Net operating income to assets | 0.9046% | 3,114 |
| Return on assets (ROA) | 0.9046% | 3,193 |
| Pretax return on assets | 1.2153% | 2,802 |
| Return on Equity (ROE) | 10.2121% | 2,618 |
| Retained earnings to average equity (ytd only) | 10.2121% | 1,598 |
| Net charge-offs to loans | 0.0021% | 1,843 |
| Credit loss provision to net charge-offs | 22,500.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 893.0000% | 109 |
| Efficiency ratio | 61.3587% | 2,854 |
| Assets per employee ($millions) | 6.6180% | 2,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,341 |
| Loan loss allowance to noncurrent loans | 166.3938% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 1,093 |
| Noncurrent loans to loans | 0.9503% | 1,427 |
| Net loans and leases to total assets | 83.9974% | 146 |
| Net loans and leases to deposits | 96.4265% | 396 |
| Net loans and leases to core deposits | 103.8638% | 577 |
| Total domestic deposits to total assets | 87.1103% | 2,274 |
| Equity capital to assets | 9.0189% | 3,658 |
| Core capital (leverage) ratio | 8.5361% | 4,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.7033% | 2,977 |
| Memoranda: | ||
| Average total assets | $879,461,500 | 1,062 |
| Average earning assets | $805,556,000 | 1,075 |
| Average equity | $77,907,500 | 1,237 |
| Average total loans | $744,849,500 | 854 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8873% | 613 |
| Cost of funding earning assets | 0.8715% | 943 |
| Net interest margin | 4.0158% | 940 |
| Noninterest income to average assets | 0.7124% | 1,823 |
| Noninterest expense to average assets | 2.5533% | 2,688 |
| Loan and lease loss provision to assets | 0.8060% | 152 |
| Net operating income to assets | 0.8752% | 2,808 |
| Return on assets (ROA) | 0.8752% | 2,943 |
| Pretax return on assets | 1.1074% | 2,663 |
| Return on Equity (ROE) | 9.7598% | 2,088 |
| Retained earnings to average equity (ytd only) | 9.7598% | 633 |
| Net charge-offs to loans | 0.2637% | 656 |
| Credit loss provision to net charge-offs | 365.7511% | 1,539 |
| Earnings coverage of net charge-offs (x) | 8.6827% | 2,580 |
| Efficiency ratio | 57.1626% | 3,836 |
| Assets per employee ($millions) | 6.8744% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 1,727 |
| Loan loss allowance to noncurrent loans | 159.5664% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.7698% | 1,336 |
| Noncurrent loans to loans | 0.9155% | 1,537 |
| Net loans and leases to total assets | 82.8473% | 240 |
| Net loans and leases to deposits | 103.2004% | 275 |
| Net loans and leases to core deposits | 111.5812% | 468 |
| Total domestic deposits to total assets | 80.2781% | 4,002 |
| Equity capital to assets | 8.6861% | 4,303 |
| Core capital (leverage) ratio | 8.7361% | 3,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4516% | 3,031 |
| Memoranda: | ||
| Average total assets | $809,546,000 | 1,046 |
| Average earning assets | $756,833,400 | 1,036 |
| Average equity | $72,593,800 | 1,258 |
| Average total loans | $676,610,600 | 892 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3316% | 330 |
| Cost of funding earning assets | 0.9450% | 917 |
| Net interest margin | 4.3866% | 484 |
| Noninterest income to average assets | 0.6666% | 1,919 |
| Noninterest expense to average assets | 2.5875% | 2,568 |
| Loan and lease loss provision to assets | 0.9744% | 152 |
| Net operating income to assets | 0.9062% | 2,674 |
| Return on assets (ROA) | 0.9062% | 2,807 |
| Pretax return on assets | 1.2315% | 2,283 |
| Return on Equity (ROE) | 10.0177% | 2,016 |
| Retained earnings to average equity (ytd only) | 10.0177% | 758 |
| Net charge-offs to loans | 0.3613% | 438 |
| Credit loss provision to net charge-offs | 323.1673% | 1,690 |
| Earnings coverage of net charge-offs (x) | 7.3162% | 2,586 |
| Efficiency ratio | 53.9810% | 4,150 |
| Assets per employee ($millions) | 7.1764% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 1,886 |
| Loan loss allowance to noncurrent loans | 149.4473% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 1,467 |
| Noncurrent loans to loans | 0.9152% | 1,632 |
| Net loans and leases to total assets | 81.5180% | 478 |
| Net loans and leases to deposits | 104.4535% | 375 |
| Net loans and leases to core deposits | 112.8026% | 599 |
| Total domestic deposits to total assets | 78.0423% | 4,194 |
| Equity capital to assets | 8.3988% | 4,520 |
| Core capital (leverage) ratio | 9.2508% | 3,511 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6804% | 2,991 |
| Memoranda: | ||
| Average total assets | $790,232,500 | 1,054 |
| Average earning assets | $743,423,000 | 1,038 |
| Average equity | $71,485,250 | 1,259 |
| Average total loans | $659,367,750 | 905 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7680% | 201 |
| Cost of funding earning assets | 1.0680% | 797 |
| Net interest margin | 4.6999% | 339 |
| Noninterest income to average assets | 0.6064% | 2,104 |
| Noninterest expense to average assets | 2.6540% | 2,508 |
| Loan and lease loss provision to assets | 1.1330% | 160 |
| Net operating income to assets | 0.9234% | 2,615 |
| Return on assets (ROA) | 0.9234% | 2,734 |
| Pretax return on assets | 1.2454% | 2,200 |
| Return on Equity (ROE) | 9.9259% | 2,006 |
| Retained earnings to average equity (ytd only) | 9.9259% | 804 |
| Net charge-offs to loans | 0.6775% | 233 |
| Credit loss provision to net charge-offs | 199.6730% | 1,928 |
| Earnings coverage of net charge-offs (x) | 4.1915% | 2,618 |
| Efficiency ratio | 52.7386% | 4,296 |
| Assets per employee ($millions) | 7.5367% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1617% | 2,717 |
| Loan loss allowance to noncurrent loans | 135.1052% | 2,758 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 1,672 |
| Noncurrent loans to loans | 0.8599% | 1,769 |
| Net loans and leases to total assets | 78.6044% | 770 |
| Net loans and leases to deposits | 100.6904% | 510 |
| Net loans and leases to core deposits | 113.2485% | 629 |
| Total domestic deposits to total assets | 78.0654% | 4,186 |
| Equity capital to assets | 8.1864% | 4,640 |
| Core capital (leverage) ratio | 9.8959% | 2,926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6010% | 3,066 |
| Memoranda: | ||
| Average total assets | $754,628,667 | 1,081 |
| Average earning assets | $710,651,000 | 1,058 |
| Average equity | $70,200,000 | 1,265 |
| Average total loans | $632,026,333 | 923 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3282% | 524 |
| Cost of funding earning assets | 1.3504% | 485 |
| Net interest margin | 3.9777% | 1,450 |
| Noninterest income to average assets | 0.4489% | 2,797 |
| Noninterest expense to average assets | 2.7224% | 2,650 |
| Loan and lease loss provision to assets | 0.3072% | 1,009 |
| Net operating income to assets | 0.8726% | 2,605 |
| Return on assets (ROA) | 0.8726% | 2,711 |
| Pretax return on assets | 1.1529% | 2,358 |
| Return on Equity (ROE) | 8.6952% | 2,241 |
| Retained earnings to average equity (ytd only) | 8.6952% | 1,054 |
| Net charge-offs to loans | 0.2665% | 546 |
| Credit loss provision to net charge-offs | 133.2487% | 1,650 |
| Earnings coverage of net charge-offs (x) | 6.3325% | 1,993 |
| Efficiency ratio | 65.0902% | 3,075 |
| Assets per employee ($millions) | 6.0405% | 1,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,538 |
| Loan loss allowance to noncurrent loans | 128.5597% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.7225% | 1,860 |
| Noncurrent loans to loans | 0.8022% | 2,005 |
| Net loans and leases to total assets | 86.8137% | 104 |
| Net loans and leases to deposits | 103.5154% | 388 |
| Net loans and leases to core deposits | 121.7968% | 414 |
| Total domestic deposits to total assets | 83.8655% | 2,831 |
| Equity capital to assets | 9.9876% | 3,798 |
| Core capital (leverage) ratio | 9.7255% | 3,735 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 10.8199% | 3,351 |
| Memoranda: | ||
| Average total assets | $683,512,000 | 1,140 |
| Average earning assets | $641,570,500 | 1,126 |
| Average equity | $68,589,500 | 1,283 |
| Average total loans | $591,410,000 | 951 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3721% | 707 |
| Cost of funding earning assets | 1.6217% | 272 |
| Net interest margin | 3.7504% | 2,662 |
| Noninterest income to average assets | 0.4740% | 2,884 |
| Noninterest expense to average assets | 2.6568% | 3,006 |
| Loan and lease loss provision to assets | 0.2328% | 821 |
| Net operating income to assets | 0.8045% | 3,539 |
| Return on assets (ROA) | 0.8045% | 3,626 |
| Pretax return on assets | 1.1021% | 3,156 |
| Return on Equity (ROE) | 8.0112% | 3,156 |
| Retained earnings to average equity (ytd only) | 8.0112% | 974 |
| Net charge-offs to loans | 0.1141% | 1,597 |
| Credit loss provision to net charge-offs | 238.0952% | 1,135 |
| Earnings coverage of net charge-offs (x) | 13.6552% | 2,337 |
| Efficiency ratio | 66.5581% | 2,682 |
| Assets per employee ($millions) | 5.8979% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0728% | 3,090 |
| Loan loss allowance to noncurrent loans | 136.2569% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.6910% | 1,875 |
| Noncurrent loans to loans | 0.7873% | 1,933 |
| Net loans and leases to total assets | 84.3775% | 291 |
| Net loans and leases to deposits | 106.8983% | 264 |
| Net loans and leases to core deposits | 127.2795% | 321 |
| Total domestic deposits to total assets | 78.9325% | 4,199 |
| Equity capital to assets | 10.0837% | 3,848 |
| Core capital (leverage) ratio | 10.0573% | 3,452 |
| Tier 1 risk-based capital ratio | 10.2479% | 5,081 |
| Total risk-based capital ratio | 11.2370% | 5,084 |
| Memoranda: | ||
| Average total assets | $622,976,600 | 1,190 |
| Average earning assets | $584,316,200 | 1,185 |
| Average equity | $62,562,600 | 1,344 |
| Average total loans | $533,696,000 | 1,010 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3857% | 725 |
| Cost of funding earning assets | 1.6682% | 226 |
| Net interest margin | 3.7175% | 2,859 |
| Noninterest income to average assets | 0.4301% | 3,144 |
| Noninterest expense to average assets | 2.7086% | 2,846 |
| Loan and lease loss provision to assets | 0.1965% | 898 |
| Net operating income to assets | 0.7380% | 3,885 |
| Return on assets (ROA) | 0.7380% | 3,952 |
| Pretax return on assets | 1.0110% | 3,556 |
| Return on Equity (ROE) | 7.3572% | 3,566 |
| Retained earnings to average equity (ytd only) | 7.3572% | 1,689 |
| Net charge-offs to loans | 0.0486% | 2,144 |
| Credit loss provision to net charge-offs | 471.2042% | 662 |
| Earnings coverage of net charge-offs (x) | 28.9529% | 1,665 |
| Efficiency ratio | 69.1664% | 2,231 |
| Assets per employee ($millions) | 5.9631% | 1,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0730% | 3,159 |
| Loan loss allowance to noncurrent loans | 226.8274% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.4285% | 2,792 |
| Noncurrent loans to loans | 0.4730% | 2,878 |
| Net loans and leases to total assets | 85.3914% | 230 |
| Net loans and leases to deposits | 105.2184% | 350 |
| Net loans and leases to core deposits | 128.3713% | 325 |
| Total domestic deposits to total assets | 81.1563% | 3,707 |
| Equity capital to assets | 10.1777% | 3,846 |
| Core capital (leverage) ratio | 9.9821% | 3,656 |
| Tier 1 risk-based capital ratio | 10.1184% | 5,173 |
| Total risk-based capital ratio | 11.0992% | 5,175 |
| Memoranda: | ||
| Average total assets | $610,629,750 | 1,208 |
| Average earning assets | $572,590,500 | 1,201 |
| Average equity | $61,253,500 | 1,364 |
| Average total loans | $523,751,000 | 1,027 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3536% | 730 |
| Cost of funding earning assets | 1.6633% | 218 |
| Net interest margin | 3.6903% | 2,959 |
| Noninterest income to average assets | 0.4114% | 3,204 |
| Noninterest expense to average assets | 2.7561% | 2,735 |
| Loan and lease loss provision to assets | 0.2008% | 852 |
| Net operating income to assets | 0.6704% | 4,103 |
| Return on assets (ROA) | 0.6704% | 4,150 |
| Pretax return on assets | 0.9181% | 3,793 |
| Return on Equity (ROE) | 6.7191% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.7191% | 1,942 |
| Net charge-offs to loans | 0.0595% | 1,798 |
| Credit loss provision to net charge-offs | 394.7368% | 724 |
| Earnings coverage of net charge-offs (x) | 21.9934% | 1,712 |
| Efficiency ratio | 71.1238% | 2,053 |
| Assets per employee ($millions) | 5.4645% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 3,077 |
| Loan loss allowance to noncurrent loans | 182.3045% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 2,400 |
| Noncurrent loans to loans | 0.6023% | 2,462 |
| Net loans and leases to total assets | 84.7596% | 305 |
| Net loans and leases to deposits | 98.5990% | 788 |
| Net loans and leases to core deposits | 123.9531% | 432 |
| Total domestic deposits to total assets | 85.9640% | 2,053 |
| Equity capital to assets | 10.0884% | 3,901 |
| Core capital (leverage) ratio | 9.4018% | 4,245 |
| Tier 1 risk-based capital ratio | 10.0491% | 5,220 |
| Total risk-based capital ratio | 11.0517% | 5,218 |
| Memoranda: | ||
| Average total assets | $597,515,330 | 1,232 |
| Average earning assets | $560,822,000 | 1,221 |
| Average equity | $59,620,670 | 1,382 |
| Average total loans | $511,321,000 | 1,055 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2427% | 835 |
| Cost of funding earning assets | 1.5500% | 275 |
| Net interest margin | 3.6928% | 2,918 |
| Noninterest income to average assets | 0.3124% | 3,772 |
| Noninterest expense to average assets | 2.6253% | 3,140 |
| Loan and lease loss provision to assets | 0.2033% | 781 |
| Net operating income to assets | 0.6899% | 3,972 |
| Return on assets (ROA) | 0.6899% | 4,009 |
| Pretax return on assets | 0.9453% | 3,630 |
| Return on Equity (ROE) | 6.9536% | 3,697 |
| Retained earnings to average equity (ytd only) | 6.9536% | 2,061 |
| Net charge-offs to loans | -0.0087% | 4,179 |
| Credit loss provision to net charge-offs | -2,727.2727% | 4,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5637% | 2,411 |
| Assets per employee ($millions) | 5.9981% | 1,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1014% | 3,119 |
| Loan loss allowance to noncurrent loans | 173.6257% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 2,400 |
| Noncurrent loans to loans | 0.6344% | 2,425 |
| Net loans and leases to total assets | 84.1591% | 358 |
| Net loans and leases to deposits | 97.9502% | 792 |
| Net loans and leases to core deposits | 122.9099% | 450 |
| Total domestic deposits to total assets | 85.9203% | 2,313 |
| Equity capital to assets | 10.1115% | 3,710 |
| Core capital (leverage) ratio | 9.9053% | 3,706 |
| Tier 1 risk-based capital ratio | 10.1703% | 5,249 |
| Total risk-based capital ratio | 11.1780% | 5,255 |
| Memoranda: | ||
| Average total assets | $590,263,000 | 1,247 |
| Average earning assets | $553,297,500 | 1,235 |
| Average equity | $58,559,500 | 1,399 |
| Average total loans | $504,729,000 | 1,069 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3552% | 527 |
| Cost of funding earning assets | 1.2634% | 256 |
| Net interest margin | 4.0918% | 1,705 |
| Noninterest income to average assets | 0.3193% | 3,977 |
| Noninterest expense to average assets | 2.7485% | 2,861 |
| Loan and lease loss provision to assets | 0.4037% | 331 |
| Net operating income to assets | 0.6921% | 4,156 |
| Return on assets (ROA) | 0.6921% | 4,161 |
| Pretax return on assets | 0.9083% | 3,877 |
| Return on Equity (ROE) | 6.8723% | 3,870 |
| Retained earnings to average equity (ytd only) | 6.8723% | 1,724 |
| Net charge-offs to loans | 0.1677% | 1,147 |
| Credit loss provision to net charge-offs | 282.3129% | 1,075 |
| Earnings coverage of net charge-offs (x) | 9.1741% | 2,833 |
| Efficiency ratio | 67.6889% | 2,600 |
| Assets per employee ($millions) | 6.0491% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0642% | 3,300 |
| Loan loss allowance to noncurrent loans | 369.0757% | 1,394 |
| Noncurrent assets plus other real estate owned to assets | 0.2793% | 3,466 |
| Noncurrent loans to loans | 0.2884% | 3,533 |
| Net loans and leases to total assets | 85.0210% | 312 |
| Net loans and leases to deposits | 100.6860% | 693 |
| Net loans and leases to core deposits | 126.7415% | 382 |
| Total domestic deposits to total assets | 84.4417% | 2,853 |
| Equity capital to assets | 9.7241% | 3,933 |
| Core capital (leverage) ratio | 9.3404% | 4,310 |
| Tier 1 risk-based capital ratio | 9.7946% | 5,344 |
| Total risk-based capital ratio | 10.7812% | 5,346 |
| Memoranda: | ||
| Average total assets | $513,944,600 | 1,371 |
| Average earning assets | $469,916,600 | 1,387 |
| Average equity | $51,758,600 | 1,466 |
| Average total loans | $438,327,400 | 1,166 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3421% | 487 |
| Cost of funding earning assets | 1.1425% | 337 |
| Net interest margin | 4.1996% | 1,358 |
| Noninterest income to average assets | 0.2928% | 4,191 |
| Noninterest expense to average assets | 2.7738% | 2,732 |
| Loan and lease loss provision to assets | 0.4759% | 247 |
| Net operating income to assets | 0.6703% | 4,317 |
| Return on assets (ROA) | 0.6703% | 4,329 |
| Pretax return on assets | 0.8594% | 4,146 |
| Return on Equity (ROE) | 6.5899% | 4,079 |
| Retained earnings to average equity (ytd only) | 6.5899% | 2,343 |
| Net charge-offs to loans | 0.2344% | 727 |
| Credit loss provision to net charge-offs | 238.5753% | 1,219 |
| Earnings coverage of net charge-offs (x) | 6.6935% | 2,861 |
| Efficiency ratio | 67.5041% | 2,630 |
| Assets per employee ($millions) | 5.4820% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0696% | 3,355 |
| Loan loss allowance to noncurrent loans | 169.7083% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 2,474 |
| Noncurrent loans to loans | 0.6302% | 2,506 |
| Net loans and leases to total assets | 84.4141% | 408 |
| Net loans and leases to deposits | 98.1524% | 939 |
| Net loans and leases to core deposits | 113.6227% | 837 |
| Total domestic deposits to total assets | 86.0031% | 2,189 |
| Equity capital to assets | 9.8145% | 3,807 |
| Core capital (leverage) ratio | 9.3191% | 4,377 |
| Tier 1 risk-based capital ratio | 9.9355% | 5,391 |
| Total risk-based capital ratio | 10.9263% | 5,397 |
| Memoranda: | ||
| Average total assets | $497,252,500 | 1,420 |
| Average earning assets | $451,873,750 | 1,447 |
| Average equity | $50,581,000 | 1,505 |
| Average total loans | $423,149,500 | 1,201 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 566 |
| Cost of funding earning assets | 0.9364% | 621 |
| Net interest margin | 4.2485% | 1,166 |
| Noninterest income to average assets | 0.3436% | 3,878 |
| Noninterest expense to average assets | 2.7659% | 2,780 |
| Loan and lease loss provision to assets | 0.4893% | 234 |
| Net operating income to assets | 0.7254% | 4,118 |
| Return on assets (ROA) | 0.7254% | 4,125 |
| Pretax return on assets | 0.9899% | 3,693 |
| Return on Equity (ROE) | 7.0374% | 3,893 |
| Retained earnings to average equity (ytd only) | 7.0374% | 2,058 |
| Net charge-offs to loans | -0.0005% | 3,862 |
| Credit loss provision to net charge-offs | -117,500.0000% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1560% | 3,132 |
| Assets per employee ($millions) | 5.3408% | 2,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 2,967 |
| Loan loss allowance to noncurrent loans | 232.5802% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 2,896 |
| Noncurrent loans to loans | 0.4952% | 2,948 |
| Net loans and leases to total assets | 84.3927% | 420 |
| Net loans and leases to deposits | 105.7882% | 448 |
| Net loans and leases to core deposits | 116.8413% | 673 |
| Total domestic deposits to total assets | 79.7751% | 4,288 |
| Equity capital to assets | 10.1484% | 3,491 |
| Core capital (leverage) ratio | 10.3094% | 3,229 |
| Tier 1 risk-based capital ratio | 10.4133% | 5,307 |
| Total risk-based capital ratio | 11.4981% | 5,280 |
| Memoranda: | ||
| Average total assets | $480,270,330 | 1,469 |
| Average earning assets | $441,049,000 | 1,488 |
| Average equity | $49,507,000 | 1,542 |
| Average total loans | $408,279,330 | 1,238 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 533 |
| Cost of funding earning assets | 0.8727% | 684 |
| Net interest margin | 4.2876% | 970 |
| Noninterest income to average assets | 0.2625% | 4,426 |
| Noninterest expense to average assets | 2.8175% | 2,641 |
| Loan and lease loss provision to assets | 0.3924% | 290 |
| Net operating income to assets | 0.7203% | 4,027 |
| Return on assets (ROA) | 0.7203% | 4,035 |
| Pretax return on assets | 0.9985% | 3,536 |
| Return on Equity (ROE) | 6.9263% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.9263% | 2,312 |
| Net charge-offs to loans | 0.0483% | 1,625 |
| Credit loss provision to net charge-offs | 957.4468% | 358 |
| Earnings coverage of net charge-offs (x) | 33.9362% | 1,166 |
| Efficiency ratio | 66.9499% | 3,014 |
| Assets per employee ($millions) | 5.2833% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 3,484 |
| Loan loss allowance to noncurrent loans | 195.3977% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.5356% | 2,738 |
| Noncurrent loans to loans | 0.5548% | 2,866 |
| Net loans and leases to total assets | 83.9197% | 445 |
| Net loans and leases to deposits | 102.6718% | 551 |
| Net loans and leases to core deposits | 128.2116% | 370 |
| Total domestic deposits to total assets | 81.7359% | 4,036 |
| Equity capital to assets | 10.6324% | 2,939 |
| Core capital (leverage) ratio | 10.4096% | 3,053 |
| Tier 1 risk-based capital ratio | 11.1819% | 5,036 |
| Total risk-based capital ratio | 12.2269% | 5,042 |
| Memoranda: | ||
| Average total assets | $458,708,000 | 1,543 |
| Average earning assets | $422,152,500 | 1,546 |
| Average equity | $47,702,500 | 1,591 |
| Average total loans | $388,992,000 | 1,287 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0615% | 572 |
| Cost of funding earning assets | 0.7680% | 744 |
| Net interest margin | 4.2935% | 974 |
| Noninterest income to average assets | 0.2776% | 4,473 |
| Noninterest expense to average assets | 2.7273% | 3,038 |
| Loan and lease loss provision to assets | 0.4674% | 290 |
| Net operating income to assets | 0.8021% | 3,147 |
| Return on assets (ROA) | 0.8055% | 3,175 |
| Pretax return on assets | 1.0545% | 3,368 |
| Return on Equity (ROE) | 8.1721% | 2,718 |
| Retained earnings to average equity (ytd only) | 8.1721% | 701 |
| Net charge-offs to loans | 0.3234% | 785 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 5.4111% | 3,333 |
| Efficiency ratio | 64.2503% | 3,569 |
| Assets per employee ($millions) | 5.6656% | 1,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0601% | 3,560 |
| Loan loss allowance to noncurrent loans | 87.6020% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 1.0807% | 1,411 |
| Noncurrent loans to loans | 1.2102% | 1,466 |
| Net loans and leases to total assets | 83.8625% | 462 |
| Net loans and leases to deposits | 93.9003% | 1,283 |
| Net loans and leases to core deposits | 124.9143% | 462 |
| Total domestic deposits to total assets | 89.3102% | 865 |
| Equity capital to assets | 10.1485% | 3,538 |
| Core capital (leverage) ratio | 9.6489% | 3,870 |
| Tier 1 risk-based capital ratio | 10.2399% | 5,465 |
| Total risk-based capital ratio | 11.2324% | 5,483 |
| Memoranda: | ||
| Average total assets | $385,105,400 | 1,771 |
| Average earning assets | $355,841,200 | 1,778 |
| Average equity | $37,958,200 | 1,931 |
| Average total loans | $333,952,000 | 1,436 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 540 |
| Cost of funding earning assets | 0.7335% | 831 |
| Net interest margin | 4.3292% | 859 |
| Noninterest income to average assets | 0.2779% | 4,523 |
| Noninterest expense to average assets | 2.7306% | 2,957 |
| Loan and lease loss provision to assets | 0.4763% | 251 |
| Net operating income to assets | 0.8187% | 3,445 |
| Return on assets (ROA) | 0.8192% | 3,482 |
| Pretax return on assets | 1.0734% | 3,409 |
| Return on Equity (ROE) | 8.3856% | 2,937 |
| Retained earnings to average equity (ytd only) | 8.3856% | 1,062 |
| Net charge-offs to loans | 0.2401% | 889 |
| Credit loss provision to net charge-offs | 227.2727% | 1,225 |
| Earnings coverage of net charge-offs (x) | 7.3911% | 2,877 |
| Efficiency ratio | 63.8051% | 3,585 |
| Assets per employee ($millions) | 5.4307% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1486% | 3,207 |
| Loan loss allowance to noncurrent loans | 164.7957% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6631% | 2,513 |
| Noncurrent loans to loans | 0.6970% | 2,614 |
| Net loans and leases to total assets | 85.5108% | 294 |
| Net loans and leases to deposits | 96.7758% | 1,033 |
| Net loans and leases to core deposits | 122.6687% | 495 |
| Total domestic deposits to total assets | 88.3597% | 1,195 |
| Equity capital to assets | 9.8609% | 4,078 |
| Core capital (leverage) ratio | 9.1042% | 4,630 |
| Tier 1 risk-based capital ratio | 9.6573% | 5,656 |
| Total risk-based capital ratio | 10.7391% | 5,651 |
| Memoranda: | ||
| Average total assets | $370,902,750 | 1,841 |
| Average earning assets | $342,838,750 | 1,842 |
| Average equity | $36,235,750 | 2,023 |
| Average total loans | $323,796,750 | 1,476 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 542 |
| Cost of funding earning assets | 0.6900% | 939 |
| Net interest margin | 4.3332% | 794 |
| Noninterest income to average assets | 0.3095% | 4,324 |
| Noninterest expense to average assets | 2.7711% | 2,855 |
| Loan and lease loss provision to assets | 0.3883% | 353 |
| Net operating income to assets | 0.7632% | 3,576 |
| Return on assets (ROA) | 0.7632% | 3,624 |
| Pretax return on assets | 1.1698% | 2,896 |
| Return on Equity (ROE) | 7.8393% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.8393% | 1,227 |
| Net charge-offs to loans | 0.0500% | 2,215 |
| Credit loss provision to net charge-offs | 886.0759% | 424 |
| Earnings coverage of net charge-offs (x) | 35.5570% | 1,351 |
| Efficiency ratio | 64.0102% | 3,669 |
| Assets per employee ($millions) | 5.4049% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 3,215 |
| Loan loss allowance to noncurrent loans | 169.8552% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 2,613 |
| Noncurrent loans to loans | 0.6861% | 2,696 |
| Net loans and leases to total assets | 84.3655% | 402 |
| Net loans and leases to deposits | 97.1176% | 978 |
| Net loans and leases to core deposits | 122.9477% | 468 |
| Total domestic deposits to total assets | 86.8694% | 2,002 |
| Equity capital to assets | 9.8198% | 4,109 |
| Core capital (leverage) ratio | 9.1763% | 4,518 |
| Tier 1 risk-based capital ratio | 9.5937% | 5,699 |
| Total risk-based capital ratio | 10.6782% | 5,704 |
| Memoranda: | ||
| Average total assets | $360,579,670 | 1,882 |
| Average earning assets | $334,485,330 | 1,882 |
| Average equity | $35,105,000 | 2,071 |
| Average total loans | $315,850,000 | 1,501 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9351% | 583 |
| Cost of funding earning assets | 0.6367% | 1,149 |
| Net interest margin | 4.2983% | 788 |
| Noninterest income to average assets | 0.2449% | 4,779 |
| Noninterest expense to average assets | 2.8704% | 2,548 |
| Loan and lease loss provision to assets | 0.3465% | 347 |
| Net operating income to assets | 0.6734% | 3,819 |
| Return on assets (ROA) | 0.6734% | 3,860 |
| Pretax return on assets | 1.0280% | 3,244 |
| Return on Equity (ROE) | 6.9507% | 3,423 |
| Retained earnings to average equity (ytd only) | 6.9507% | 1,869 |
| Net charge-offs to loans | 0.0364% | 2,059 |
| Credit loss provision to net charge-offs | 1,071.4286% | 292 |
| Earnings coverage of net charge-offs (x) | 42.5000% | 988 |
| Efficiency ratio | 67.6190% | 3,265 |
| Assets per employee ($millions) | 5.5368% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,719 |
| Loan loss allowance to noncurrent loans | 127.1480% | 3,167 |
| Noncurrent assets plus other real estate owned to assets | 0.8130% | 2,260 |
| Noncurrent loans to loans | 0.8650% | 2,303 |
| Net loans and leases to total assets | 86.6666% | 177 |
| Net loans and leases to deposits | 97.1419% | 835 |
| Net loans and leases to core deposits | 116.2382% | 584 |
| Total domestic deposits to total assets | 89.2165% | 1,044 |
| Equity capital to assets | 9.4029% | 4,387 |
| Core capital (leverage) ratio | 9.0478% | 4,681 |
| Tier 1 risk-based capital ratio | 8.8968% | 5,812 |
| Total risk-based capital ratio | 9.9259% | 5,818 |
| Memoranda: | ||
| Average total assets | $346,293,000 | 1,956 |
| Average earning assets | $322,265,500 | 1,957 |
| Average equity | $33,550,500 | 2,173 |
| Average total loans | $307,684,000 | 1,541 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0736% | 524 |
| Cost of funding earning assets | 0.6114% | 1,269 |
| Net interest margin | 4.4622% | 669 |
| Noninterest income to average assets | 0.4177% | 3,757 |
| Noninterest expense to average assets | 3.1190% | 1,974 |
| Loan and lease loss provision to assets | 0.3242% | 558 |
| Net operating income to assets | 0.7669% | 3,464 |
| Return on assets (ROA) | 0.7669% | 3,570 |
| Pretax return on assets | 1.1266% | 2,991 |
| Return on Equity (ROE) | 7.5149% | 3,210 |
| Retained earnings to average equity (ytd only) | 7.5149% | 1,032 |
| Net charge-offs to loans | 0.1575% | 1,701 |
| Credit loss provision to net charge-offs | 231.7073% | 1,243 |
| Earnings coverage of net charge-offs (x) | 10.3683% | 2,649 |
| Efficiency ratio | 68.2524% | 3,198 |
| Assets per employee ($millions) | 5.1930% | 2,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 3,706 |
| Loan loss allowance to noncurrent loans | 126.5473% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.8268% | 2,278 |
| Noncurrent loans to loans | 0.8704% | 2,358 |
| Net loans and leases to total assets | 89.2202% | 87 |
| Net loans and leases to deposits | 100.4287% | 645 |
| Net loans and leases to core deposits | 114.3752% | 681 |
| Total domestic deposits to total assets | 88.8393% | 1,187 |
| Equity capital to assets | 10.0074% | 3,718 |
| Core capital (leverage) ratio | 9.0294% | 4,706 |
| Tier 1 risk-based capital ratio | 9.3822% | 5,828 |
| Total risk-based capital ratio | 10.4389% | 5,845 |
| Memoranda: | ||
| Average total assets | $293,015,200 | 2,207 |
| Average earning assets | $272,644,600 | 2,194 |
| Average equity | $29,900,400 | 2,354 |
| Average total loans | $260,344,200 | 1,732 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 525 |
| Cost of funding earning assets | 0.5914% | 1,399 |
| Net interest margin | 4.4770% | 664 |
| Noninterest income to average assets | 0.4345% | 3,662 |
| Noninterest expense to average assets | 3.0952% | 2,040 |
| Loan and lease loss provision to assets | 0.3187% | 525 |
| Net operating income to assets | 0.7607% | 3,560 |
| Return on assets (ROA) | 0.7607% | 3,690 |
| Pretax return on assets | 1.1684% | 2,975 |
| Return on Equity (ROE) | 7.4132% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.4132% | 1,437 |
| Net charge-offs to loans | 0.1627% | 1,399 |
| Credit loss provision to net charge-offs | 221.4984% | 1,332 |
| Earnings coverage of net charge-offs (x) | 10.3356% | 2,580 |
| Efficiency ratio | 67.5463% | 3,310 |
| Assets per employee ($millions) | 5.0300% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 3,831 |
| Loan loss allowance to noncurrent loans | 116.9890% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.8679% | 2,381 |
| Noncurrent loans to loans | 0.9406% | 2,358 |
| Net loans and leases to total assets | 86.1327% | 246 |
| Net loans and leases to deposits | 96.5366% | 994 |
| Net loans and leases to core deposits | 116.2531% | 651 |
| Total domestic deposits to total assets | 89.2229% | 788 |
| Equity capital to assets | 9.5681% | 4,591 |
| Core capital (leverage) ratio | 8.5659% | 5,300 |
| Tier 1 risk-based capital ratio | 9.0687% | 5,917 |
| Total risk-based capital ratio | 10.1149% | 5,925 |
| Memoranda: | ||
| Average total assets | $284,479,750 | 2,260 |
| Average earning assets | $263,564,000 | 2,270 |
| Average equity | $29,190,500 | 2,438 |
| Average total loans | $251,645,000 | 1,784 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 536 |
| Cost of funding earning assets | 0.5534% | 1,674 |
| Net interest margin | 4.4937% | 628 |
| Noninterest income to average assets | 0.4757% | 3,367 |
| Noninterest expense to average assets | 3.1434% | 1,946 |
| Loan and lease loss provision to assets | 0.3235% | 528 |
| Net operating income to assets | 0.7684% | 3,458 |
| Return on assets (ROA) | 0.7684% | 3,602 |
| Pretax return on assets | 1.1765% | 2,874 |
| Return on Equity (ROE) | 7.2941% | 3,374 |
| Retained earnings to average equity (ytd only) | 7.2941% | 1,474 |
| Net charge-offs to loans | 0.1884% | 1,222 |
| Credit loss provision to net charge-offs | 192.9825% | 1,335 |
| Earnings coverage of net charge-offs (x) | 8.9474% | 2,465 |
| Efficiency ratio | 67.6960% | 3,405 |
| Assets per employee ($millions) | 4.7125% | 2,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 3,806 |
| Loan loss allowance to noncurrent loans | 99.3880% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 0.9946% | 2,149 |
| Noncurrent loans to loans | 1.1321% | 2,037 |
| Net loans and leases to total assets | 86.5152% | 214 |
| Net loans and leases to deposits | 97.5396% | 924 |
| Net loans and leases to core deposits | 117.0119% | 610 |
| Total domestic deposits to total assets | 88.6975% | 1,064 |
| Equity capital to assets | 9.8542% | 4,385 |
| Core capital (leverage) ratio | 9.2938% | 4,466 |
| Tier 1 risk-based capital ratio | 9.1383% | 5,989 |
| Total risk-based capital ratio | 10.1998% | 5,998 |
| Memoranda: | ||
| Average total assets | $271,998,670 | 2,364 |
| Average earning assets | $252,266,000 | 2,365 |
| Average equity | $28,653,330 | 2,486 |
| Average total loans | $242,071,330 | 1,845 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0585% | 524 |
| Cost of funding earning assets | 0.5240% | 1,917 |
| Net interest margin | 4.5345% | 570 |
| Noninterest income to average assets | 0.3868% | 3,929 |
| Noninterest expense to average assets | 3.1639% | 1,920 |
| Loan and lease loss provision to assets | 0.2774% | 595 |
| Net operating income to assets | 0.7521% | 3,474 |
| Return on assets (ROA) | 0.7521% | 3,582 |
| Pretax return on assets | 1.1466% | 2,906 |
| Return on Equity (ROE) | 6.8849% | 3,517 |
| Retained earnings to average equity (ytd only) | 6.8849% | 1,942 |
| Net charge-offs to loans | 0.2075% | 965 |
| Credit loss provision to net charge-offs | 148.7603% | 1,285 |
| Earnings coverage of net charge-offs (x) | 7.6364% | 2,134 |
| Efficiency ratio | 68.9620% | 3,304 |
| Assets per employee ($millions) | 4.4632% | 3,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,627 |
| Loan loss allowance to noncurrent loans | 118.0230% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8958% | 2,443 |
| Noncurrent loans to loans | 0.9965% | 2,395 |
| Net loans and leases to total assets | 88.3912% | 100 |
| Net loans and leases to deposits | 100.7497% | 582 |
| Net loans and leases to core deposits | 123.3424% | 381 |
| Total domestic deposits to total assets | 87.7335% | 1,790 |
| Equity capital to assets | 10.8687% | 3,086 |
| Core capital (leverage) ratio | 9.6145% | 4,020 |
| Tier 1 risk-based capital ratio | 10.0931% | 5,891 |
| Total risk-based capital ratio | 11.2292% | 5,875 |
| Memoranda: | ||
| Average total assets | $259,553,500 | 2,467 |
| Average earning assets | $240,467,000 | 2,461 |
| Average equity | $28,352,000 | 2,501 |
| Average total loans | $233,218,500 | 1,893 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 389 |
| Cost of funding earning assets | 0.4200% | 2,939 |
| Net interest margin | 4.8418% | 336 |
| Noninterest income to average assets | 0.4492% | 3,678 |
| Noninterest expense to average assets | 3.4805% | 1,332 |
| Loan and lease loss provision to assets | 0.3129% | 532 |
| Net operating income to assets | 0.7240% | 3,696 |
| Return on assets (ROA) | 0.7156% | 3,843 |
| Pretax return on assets | 1.1000% | 3,063 |
| Return on Equity (ROE) | 6.0237% | 4,020 |
| Retained earnings to average equity (ytd only) | 6.0237% | 1,779 |
| Net charge-offs to loans | 0.1242% | 2,126 |
| Credit loss provision to net charge-offs | 284.5528% | 1,027 |
| Earnings coverage of net charge-offs (x) | 12.9675% | 2,406 |
| Efficiency ratio | 70.9392% | 3,080 |
| Assets per employee ($millions) | 4.4874% | 3,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1741% | 3,619 |
| Loan loss allowance to noncurrent loans | 91.8983% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 1,876 |
| Noncurrent loans to loans | 1.2776% | 1,844 |
| Net loans and leases to total assets | 89.2166% | 83 |
| Net loans and leases to deposits | 111.8146% | 204 |
| Net loans and leases to core deposits | 139.2663% | 173 |
| Total domestic deposits to total assets | 79.7897% | 4,799 |
| Equity capital to assets | 10.9797% | 2,846 |
| Core capital (leverage) ratio | 9.5780% | 4,078 |
| Tier 1 risk-based capital ratio | 10.0981% | 5,927 |
| Total risk-based capital ratio | 11.2331% | 5,905 |
| Memoranda: | ||
| Average total assets | $223,732,000 | 2,716 |
| Average earning assets | $205,955,800 | 2,710 |
| Average equity | $26,578,400 | 2,588 |
| Average total loans | $198,127,400 | 2,091 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2716% | 390 |
| Cost of funding earning assets | 0.4169% | 3,043 |
| Net interest margin | 4.8547% | 336 |
| Noninterest income to average assets | 0.4796% | 3,505 |
| Noninterest expense to average assets | 3.5514% | 1,200 |
| Loan and lease loss provision to assets | 0.3214% | 434 |
| Net operating income to assets | 0.6833% | 3,978 |
| Return on assets (ROA) | 0.6718% | 4,135 |
| Pretax return on assets | 1.0439% | 3,438 |
| Return on Equity (ROE) | 5.5313% | 4,387 |
| Retained earnings to average equity (ytd only) | 5.5313% | 2,559 |
| Net charge-offs to loans | 0.1699% | 1,463 |
| Credit loss provision to net charge-offs | 214.8760% | 1,261 |
| Earnings coverage of net charge-offs (x) | 9.2479% | 2,719 |
| Efficiency ratio | 71.9689% | 2,891 |
| Assets per employee ($millions) | 4.0674% | 3,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 3,543 |
| Loan loss allowance to noncurrent loans | 83.0875% | 4,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3246% | 1,769 |
| Noncurrent loans to loans | 1.4685% | 1,706 |
| Net loans and leases to total assets | 88.5223% | 111 |
| Net loans and leases to deposits | 108.8990% | 280 |
| Net loans and leases to core deposits | 133.1303% | 233 |
| Total domestic deposits to total assets | 81.2885% | 4,396 |
| Equity capital to assets | 11.8879% | 2,184 |
| Core capital (leverage) ratio | 10.8988% | 2,592 |
| Tier 1 risk-based capital ratio | 10.9901% | 5,665 |
| Total risk-based capital ratio | 12.1704% | 5,612 |
| Memoranda: | ||
| Average total assets | $215,719,750 | 2,809 |
| Average earning assets | $197,962,500 | 2,825 |
| Average equity | $26,202,000 | 2,634 |
| Average total loans | $189,931,750 | 2,174 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2698% | 381 |
| Cost of funding earning assets | 0.4128% | 3,126 |
| Net interest margin | 4.8570% | 323 |
| Noninterest income to average assets | 0.4374% | 3,797 |
| Noninterest expense to average assets | 3.6121% | 1,110 |
| Loan and lease loss provision to assets | 0.3233% | 433 |
| Net operating income to assets | 0.6279% | 4,225 |
| Return on assets (ROA) | 0.6095% | 4,414 |
| Pretax return on assets | 0.9156% | 3,898 |
| Return on Equity (ROE) | 4.9788% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.9788% | 2,878 |
| Net charge-offs to loans | 0.1881% | 1,331 |
| Credit loss provision to net charge-offs | 196.5318% | 1,255 |
| Earnings coverage of net charge-offs (x) | 7.6994% | 2,644 |
| Efficiency ratio | 74.0401% | 2,671 |
| Assets per employee ($millions) | 3.6639% | 4,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 3,255 |
| Loan loss allowance to noncurrent loans | 92.1994% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2475% | 2,017 |
| Noncurrent loans to loans | 1.4071% | 1,913 |
| Net loans and leases to total assets | 86.7459% | 197 |
| Net loans and leases to deposits | 102.3167% | 534 |
| Net loans and leases to core deposits | 127.4797% | 318 |
| Total domestic deposits to total assets | 84.7817% | 3,222 |
| Equity capital to assets | 12.7308% | 1,526 |
| Core capital (leverage) ratio | 11.3616% | 2,111 |
| Tier 1 risk-based capital ratio | 12.0676% | 5,095 |
| Total risk-based capital ratio | 13.3177% | 4,995 |
| Memoranda: | ||
| Average total assets | $210,346,000 | 2,883 |
| Average earning assets | $192,342,000 | 2,908 |
| Average equity | $25,749,000 | 2,669 |
| Average total loans | $183,987,000 | 2,233 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 382 |
| Cost of funding earning assets | 0.4185% | 3,093 |
| Net interest margin | 4.8256% | 334 |
| Noninterest income to average assets | 0.5314% | 3,083 |
| Noninterest expense to average assets | 3.6318% | 1,094 |
| Loan and lease loss provision to assets | 0.3441% | 379 |
| Net operating income to assets | 0.6330% | 4,132 |
| Return on assets (ROA) | 0.5964% | 4,404 |
| Pretax return on assets | 0.9079% | 3,858 |
| Return on Equity (ROE) | 4.9728% | 4,543 |
| Retained earnings to average equity (ytd only) | 4.9728% | 3,070 |
| Net charge-offs to loans | 0.2169% | 1,079 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 6.9091% | 2,232 |
| Efficiency ratio | 73.5294% | 2,894 |
| Assets per employee ($millions) | 3.5955% | 4,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2844% | 3,490 |
| Loan loss allowance to noncurrent loans | 74.3475% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.7695% | 1,387 |
| Noncurrent loans to loans | 1.7275% | 1,585 |
| Net loans and leases to total assets | 86.0970% | 183 |
| Net loans and leases to deposits | 108.3640% | 248 |
| Net loans and leases to core deposits | 128.3097% | 263 |
| Total domestic deposits to total assets | 79.4517% | 5,186 |
| Equity capital to assets | 12.8495% | 1,482 |
| Core capital (leverage) ratio | 11.1887% | 2,237 |
| Tier 1 risk-based capital ratio | 12.6508% | 4,813 |
| Total risk-based capital ratio | 13.8926% | 4,736 |
| Memoranda: | ||
| Average total assets | $209,265,000 | 2,919 |
| Average earning assets | $191,148,000 | 2,935 |
| Average equity | $25,096,500 | 2,740 |
| Average total loans | $182,598,000 | 2,257 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1450% | 577 |
| Cost of funding earning assets | 0.4884% | 2,791 |
| Net interest margin | 4.6566% | 562 |
| Noninterest income to average assets | 0.4923% | 3,569 |
| Noninterest expense to average assets | 3.5223% | 1,437 |
| Loan and lease loss provision to assets | 0.3531% | 537 |
| Net operating income to assets | 0.5954% | 4,394 |
| Return on assets (ROA) | 0.5929% | 4,487 |
| Pretax return on assets | 0.8959% | 3,922 |
| Return on Equity (ROE) | 5.4332% | 4,437 |
| Retained earnings to average equity (ytd only) | 5.4332% | 2,305 |
| Net charge-offs to loans | 0.4288% | 989 |
| Credit loss provision to net charge-offs | 97.9592% | 2,474 |
| Earnings coverage of net charge-offs (x) | 3.4762% | 3,882 |
| Efficiency ratio | 73.7626% | 2,873 |
| Assets per employee ($millions) | 3.6206% | 4,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2307% | 3,821 |
| Loan loss allowance to noncurrent loans | 63.1049% | 4,712 |
| Noncurrent assets plus other real estate owned to assets | 1.9729% | 1,302 |
| Noncurrent loans to loans | 1.9502% | 1,441 |
| Net loans and leases to total assets | 86.2219% | 196 |
| Net loans and leases to deposits | 108.4056% | 286 |
| Net loans and leases to core deposits | 127.5135% | 275 |
| Total domestic deposits to total assets | 79.5364% | 5,137 |
| Equity capital to assets | 11.1419% | 2,763 |
| Core capital (leverage) ratio | 9.4038% | 4,378 |
| Tier 1 risk-based capital ratio | 10.9766% | 5,915 |
| Total risk-based capital ratio | 12.2231% | 5,851 |
| Memoranda: | ||
| Average total assets | $203,928,000 | 2,947 |
| Average earning assets | $187,562,000 | 2,943 |
| Average equity | $22,252,000 | 2,920 |
| Average total loans | $171,393,200 | 2,312 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0595% | 697 |
| Cost of funding earning assets | 0.5010% | 2,748 |
| Net interest margin | 4.5585% | 674 |
| Noninterest income to average assets | 0.5191% | 3,413 |
| Noninterest expense to average assets | 3.5004% | 1,457 |
| Loan and lease loss provision to assets | 0.3557% | 492 |
| Net operating income to assets | 0.5718% | 4,586 |
| Return on assets (ROA) | 0.5718% | 4,661 |
| Pretax return on assets | 0.8583% | 4,151 |
| Return on Equity (ROE) | 5.2687% | 4,597 |
| Retained earnings to average equity (ytd only) | 5.2687% | 2,907 |
| Net charge-offs to loans | 0.4742% | 836 |
| Credit loss provision to net charge-offs | 90.1503% | 2,430 |
| Earnings coverage of net charge-offs (x) | 3.0768% | 3,746 |
| Efficiency ratio | 74.2490% | 2,781 |
| Assets per employee ($millions) | 3.6102% | 4,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 4,092 |
| Loan loss allowance to noncurrent loans | 36.6043% | 5,543 |
| Noncurrent assets plus other real estate owned to assets | 3.1572% | 724 |
| Noncurrent loans to loans | 3.3529% | 739 |
| Net loans and leases to total assets | 85.0158% | 260 |
| Net loans and leases to deposits | 102.9797% | 454 |
| Net loans and leases to core deposits | 125.5903% | 289 |
| Total domestic deposits to total assets | 82.5559% | 4,281 |
| Equity capital to assets | 10.9865% | 2,970 |
| Core capital (leverage) ratio | 9.6077% | 4,229 |
| Tier 1 risk-based capital ratio | 10.9873% | 5,995 |
| Total risk-based capital ratio | 12.2379% | 5,942 |
| Memoranda: | ||
| Average total assets | $202,412,000 | 2,986 |
| Average earning assets | $186,285,250 | 2,978 |
| Average equity | $21,965,750 | 2,955 |
| Average total loans | $168,412,750 | 2,351 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9976% | 757 |
| Cost of funding earning assets | 0.5265% | 2,570 |
| Net interest margin | 4.4710% | 746 |
| Noninterest income to average assets | 0.4788% | 3,643 |
| Noninterest expense to average assets | 3.4685% | 1,539 |
| Loan and lease loss provision to assets | 0.3598% | 484 |
| Net operating income to assets | 0.5188% | 4,731 |
| Return on assets (ROA) | 0.5188% | 4,826 |
| Pretax return on assets | 0.7587% | 4,425 |
| Return on Equity (ROE) | 4.8013% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.8013% | 3,089 |
| Net charge-offs to loans | 0.3210% | 1,263 |
| Credit loss provision to net charge-offs | 136.3636% | 1,556 |
| Earnings coverage of net charge-offs (x) | 4.2386% | 3,148 |
| Efficiency ratio | 75.6156% | 2,703 |
| Assets per employee ($millions) | 3.7677% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 3,400 |
| Loan loss allowance to noncurrent loans | 52.0792% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 2.3201% | 1,272 |
| Noncurrent loans to loans | 2.6718% | 1,138 |
| Net loans and leases to total assets | 84.0015% | 299 |
| Net loans and leases to deposits | 97.8721% | 677 |
| Net loans and leases to core deposits | 123.4761% | 312 |
| Total domestic deposits to total assets | 85.8279% | 3,135 |
| Equity capital to assets | 11.3277% | 2,581 |
| Core capital (leverage) ratio | 9.2962% | 4,595 |
| Tier 1 risk-based capital ratio | 11.3129% | 5,898 |
| Total risk-based capital ratio | 12.5652% | 5,843 |
| Memoranda: | ||
| Average total assets | $200,084,670 | 3,036 |
| Average earning assets | $183,849,670 | 3,030 |
| Average equity | $21,619,330 | 2,986 |
| Average total loans | $164,473,670 | 2,401 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9388% | 810 |
| Cost of funding earning assets | 0.5865% | 2,104 |
| Net interest margin | 4.3522% | 893 |
| Noninterest income to average assets | 0.3455% | 4,607 |
| Noninterest expense to average assets | 3.3992% | 1,706 |
| Loan and lease loss provision to assets | 0.3595% | 487 |
| Net operating income to assets | 0.3994% | 5,115 |
| Return on assets (ROA) | 0.3994% | 5,187 |
| Pretax return on assets | 0.5732% | 4,924 |
| Return on Equity (ROE) | 3.7881% | 5,135 |
| Retained earnings to average equity (ytd only) | 3.7881% | 3,854 |
| Net charge-offs to loans | 0.0272% | 3,029 |
| Credit loss provision to net charge-offs | 1,636.3636% | 202 |
| Earnings coverage of net charge-offs (x) | 42.4545% | 844 |
| Efficiency ratio | 78.4693% | 2,416 |
| Assets per employee ($millions) | 4.1230% | 3,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 3,145 |
| Loan loss allowance to noncurrent loans | 43.8433% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 2.7567% | 1,093 |
| Noncurrent loans to loans | 3.4185% | 870 |
| Net loans and leases to total assets | 77.7549% | 790 |
| Net loans and leases to deposits | 89.9531% | 1,159 |
| Net loans and leases to core deposits | 115.7436% | 412 |
| Total domestic deposits to total assets | 86.4394% | 3,141 |
| Equity capital to assets | 10.7519% | 2,984 |
| Core capital (leverage) ratio | 9.1130% | 4,850 |
| Tier 1 risk-based capital ratio | 11.3994% | 5,965 |
| Total risk-based capital ratio | 12.6524% | 5,919 |
| Memoranda: | ||
| Average total assets | $200,283,000 | 3,046 |
| Average earning assets | $183,446,500 | 3,056 |
| Average equity | $21,119,000 | 3,035 |
| Average total loans | $161,656,500 | 2,440 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 647 |
| Cost of funding earning assets | 0.6707% | 2,033 |
| Net interest margin | 4.5236% | 705 |
| Noninterest income to average assets | 0.4286% | 4,243 |
| Noninterest expense to average assets | 3.3688% | 1,950 |
| Loan and lease loss provision to assets | 0.3814% | 801 |
| Net operating income to assets | 0.5736% | 4,389 |
| Return on assets (ROA) | 0.5732% | 4,503 |
| Pretax return on assets | 0.7973% | 4,152 |
| Return on Equity (ROE) | 5.4823% | 4,404 |
| Retained earnings to average equity (ytd only) | 5.2036% | 2,474 |
| Net charge-offs to loans | 0.3121% | 2,123 |
| Credit loss provision to net charge-offs | 151.2605% | 1,533 |
| Earnings coverage of net charge-offs (x) | 4.6765% | 3,493 |
| Efficiency ratio | 74.0711% | 3,119 |
| Assets per employee ($millions) | 3.8883% | 4,093 |
| Cash dividends to net income (ytd only)* | 5.0832% | 4,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4142% | 3,583 |
| Loan loss allowance to noncurrent loans | 36.3476% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 3.3202% | 909 |
| Noncurrent loans to loans | 3.8908% | 755 |
| Net loans and leases to total assets | 81.4291% | 454 |
| Net loans and leases to deposits | 97.9017% | 596 |
| Net loans and leases to core deposits | 118.8029% | 352 |
| Total domestic deposits to total assets | 83.1743% | 4,480 |
| Equity capital to assets | 10.3247% | 3,373 |
| Core capital (leverage) ratio | 8.9799% | 5,037 |
| Tier 1 risk-based capital ratio | 10.3700% | 6,412 |
| Total risk-based capital ratio | 11.6223% | 6,368 |
| Memoranda: | ||
| Average total assets | $188,762,600 | 3,175 |
| Average earning assets | $171,899,600 | 3,194 |
| Average equity | $19,736,400 | 3,183 |
| Average total loans | $152,533,000 | 2,528 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 645 |
| Cost of funding earning assets | 0.6879% | 2,032 |
| Net interest margin | 4.5112% | 726 |
| Noninterest income to average assets | 0.4071% | 4,481 |
| Noninterest expense to average assets | 3.3278% | 2,008 |
| Loan and lease loss provision to assets | 0.3843% | 805 |
| Net operating income to assets | 0.5579% | 4,539 |
| Return on assets (ROA) | 0.5579% | 4,692 |
| Pretax return on assets | 0.8020% | 4,288 |
| Return on Equity (ROE) | 5.3190% | 4,553 |
| Retained earnings to average equity (ytd only) | 5.0477% | 3,046 |
| Net charge-offs to loans | 0.4270% | 1,499 |
| Credit loss provision to net charge-offs | 112.0332% | 2,106 |
| Earnings coverage of net charge-offs (x) | 3.4585% | 3,694 |
| Efficiency ratio | 73.7191% | 3,108 |
| Assets per employee ($millions) | 3.9139% | 4,008 |
| Cash dividends to net income (ytd only)* | 5.1018% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,098 |
| Loan loss allowance to noncurrent loans | 35.3750% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 3.3145% | 1,064 |
| Noncurrent loans to loans | 3.8371% | 937 |
| Net loans and leases to total assets | 80.6530% | 484 |
| Net loans and leases to deposits | 101.4876% | 409 |
| Net loans and leases to core deposits | 122.0642% | 293 |
| Total domestic deposits to total assets | 79.4708% | 5,637 |
| Equity capital to assets | 10.5744% | 3,192 |
| Core capital (leverage) ratio | 8.7226% | 5,502 |
| Tier 1 risk-based capital ratio | 10.5883% | 6,425 |
| Total risk-based capital ratio | 11.8401% | 6,397 |
| Memoranda: | ||
| Average total assets | $187,349,000 | 3,223 |
| Average earning assets | $170,564,500 | 3,235 |
| Average equity | $19,652,250 | 3,223 |
| Average total loans | $150,520,500 | 2,560 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1386% | 711 |
| Cost of funding earning assets | 0.6937% | 2,116 |
| Net interest margin | 4.4449% | 784 |
| Noninterest income to average assets | 0.3740% | 4,720 |
| Noninterest expense to average assets | 3.2846% | 2,116 |
| Loan and lease loss provision to assets | 0.3847% | 829 |
| Net operating income to assets | 0.5182% | 4,722 |
| Return on assets (ROA) | 0.5182% | 4,891 |
| Pretax return on assets | 0.7512% | 4,501 |
| Return on Equity (ROE) | 4.9538% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.6984% | 3,263 |
| Net charge-offs to loans | 0.1191% | 3,176 |
| Credit loss provision to net charge-offs | 404.4944% | 648 |
| Earnings coverage of net charge-offs (x) | 11.9438% | 2,021 |
| Efficiency ratio | 74.3051% | 3,075 |
| Assets per employee ($millions) | 3.7971% | 4,212 |
| Cash dividends to net income (ytd only)* | 5.1546% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 3,455 |
| Loan loss allowance to noncurrent loans | 33.9988% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 3.7790% | 969 |
| Noncurrent loans to loans | 4.4933% | 776 |
| Net loans and leases to total assets | 79.6497% | 569 |
| Net loans and leases to deposits | 96.5282% | 633 |
| Net loans and leases to core deposits | 115.5988% | 400 |
| Total domestic deposits to total assets | 82.5144% | 4,878 |
| Equity capital to assets | 10.4662% | 3,349 |
| Core capital (leverage) ratio | 8.5266% | 5,637 |
| Tier 1 risk-based capital ratio | 10.6704% | 6,455 |
| Total risk-based capital ratio | 11.9252% | 6,425 |
| Memoranda: | ||
| Average total assets | $187,175,670 | 3,240 |
| Average earning assets | $170,397,670 | 3,249 |
| Average equity | $19,581,000 | 3,250 |
| Average total loans | $149,491,670 | 2,580 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0769% | 776 |
| Cost of funding earning assets | 0.6959% | 2,254 |
| Net interest margin | 4.3810% | 830 |
| Noninterest income to average assets | 0.3856% | 4,574 |
| Noninterest expense to average assets | 3.1576% | 2,492 |
| Loan and lease loss provision to assets | 0.3835% | 825 |
| Net operating income to assets | 0.5412% | 4,494 |
| Return on assets (ROA) | 0.5412% | 4,644 |
| Pretax return on assets | 0.8416% | 3,993 |
| Return on Equity (ROE) | 5.1744% | 4,475 |
| Retained earnings to average equity (ytd only) | 4.6651% | 3,435 |
| Net charge-offs to loans | -0.0510% | 6,150 |
| Credit loss provision to net charge-offs | -947.3684% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0467% | 3,606 |
| Assets per employee ($millions) | 4.0587% | 3,828 |
| Cash dividends to net income (ytd only)* | 9.8425% | 2,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 3,921 |
| Loan loss allowance to noncurrent loans | 32.1073% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 4.7001% | 796 |
| Noncurrent loans to loans | 4.5876% | 895 |
| Net loans and leases to total assets | 79.7531% | 446 |
| Net loans and leases to deposits | 98.5760% | 416 |
| Net loans and leases to core deposits | 121.1122% | 269 |
| Total domestic deposits to total assets | 80.9052% | 5,526 |
| Equity capital to assets | 10.5635% | 3,473 |
| Core capital (leverage) ratio | 8.5433% | 5,520 |
| Tier 1 risk-based capital ratio | 10.5636% | 6,560 |
| Total risk-based capital ratio | 11.8168% | 6,533 |
| Memoranda: | ||
| Average total assets | $187,735,500 | 3,256 |
| Average earning assets | $171,284,500 | 3,265 |
| Average equity | $19,635,000 | 3,297 |
| Average total loans | $148,991,500 | 2,593 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2516% | 1,013 |
| Cost of funding earning assets | 0.8323% | 2,408 |
| Net interest margin | 4.4194% | 1,117 |
| Noninterest income to average assets | 0.4541% | 4,224 |
| Noninterest expense to average assets | 3.5082% | 1,795 |
| Loan and lease loss provision to assets | 0.4495% | 1,405 |
| Net operating income to assets | 0.4749% | 4,783 |
| Return on assets (ROA) | 0.5054% | 4,929 |
| Pretax return on assets | 0.5175% | 5,226 |
| Return on Equity (ROE) | 4.6082% | 4,877 |
| Retained earnings to average equity (ytd only) | 4.4769% | 3,080 |
| Net charge-offs to loans | 0.2356% | 3,524 |
| Credit loss provision to net charge-offs | 241.4861% | 1,031 |
| Earnings coverage of net charge-offs (x) | 5.0279% | 3,172 |
| Efficiency ratio | 78.9419% | 2,284 |
| Assets per employee ($millions) | 3.8525% | 4,263 |
| Cash dividends to net income (ytd only)* | 2.8506% | 4,255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 4,261 |
| Loan loss allowance to noncurrent loans | 32.4584% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 3.7193% | 1,196 |
| Noncurrent loans to loans | 4.2544% | 1,045 |
| Net loans and leases to total assets | 76.7226% | 831 |
| Net loans and leases to deposits | 91.4562% | 951 |
| Net loans and leases to core deposits | 110.4611% | 532 |
| Total domestic deposits to total assets | 83.8900% | 4,363 |
| Equity capital to assets | 10.3554% | 3,686 |
| Core capital (leverage) ratio | 8.6378% | 5,411 |
| Tier 1 risk-based capital ratio | 10.7442% | 6,456 |
| Total risk-based capital ratio | 11.9958% | 6,421 |
| Memoranda: | ||
| Average total assets | $173,538,200 | 3,393 |
| Average earning assets | $156,674,600 | 3,425 |
| Average equity | $19,031,200 | 3,327 |
| Average total loans | $137,114,600 | 2,757 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3048% | 1,005 |
| Cost of funding earning assets | 0.8620% | 2,446 |
| Net interest margin | 4.4428% | 1,109 |
| Noninterest income to average assets | 0.4156% | 4,514 |
| Noninterest expense to average assets | 3.5074% | 1,738 |
| Loan and lease loss provision to assets | 0.4713% | 1,316 |
| Net operating income to assets | 0.2878% | 5,655 |
| Return on assets (ROA) | 0.3158% | 5,763 |
| Pretax return on assets | 0.4792% | 5,524 |
| Return on Equity (ROE) | 2.8356% | 5,731 |
| Retained earnings to average equity (ytd only) | 2.6592% | 4,967 |
| Net charge-offs to loans | 0.2742% | 3,079 |
| Credit loss provision to net charge-offs | 216.6065% | 1,283 |
| Earnings coverage of net charge-offs (x) | 4.1733% | 3,377 |
| Efficiency ratio | 79.4343% | 2,183 |
| Assets per employee ($millions) | 3.7300% | 4,475 |
| Cash dividends to net income (ytd only)* | 6.2184% | 3,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 4,560 |
| Loan loss allowance to noncurrent loans | 28.3828% | 6,191 |
| Noncurrent assets plus other real estate owned to assets | 4.3916% | 1,060 |
| Noncurrent loans to loans | 4.7697% | 973 |
| Net loans and leases to total assets | 78.6401% | 659 |
| Net loans and leases to deposits | 95.2415% | 707 |
| Net loans and leases to core deposits | 117.8879% | 347 |
| Total domestic deposits to total assets | 82.5692% | 4,807 |
| Equity capital to assets | 10.9132% | 3,365 |
| Core capital (leverage) ratio | 8.9296% | 5,155 |
| Tier 1 risk-based capital ratio | 11.0171% | 6,473 |
| Total risk-based capital ratio | 12.2688% | 6,451 |
| Memoranda: | ||
| Average total assets | $169,730,000 | 3,491 |
| Average earning assets | $152,813,250 | 3,533 |
| Average equity | $18,902,000 | 3,374 |
| Average total loans | $134,678,750 | 2,831 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3764% | 914 |
| Cost of funding earning assets | 0.8965% | 2,432 |
| Net interest margin | 4.4799% | 1,030 |
| Noninterest income to average assets | 0.4015% | 4,639 |
| Noninterest expense to average assets | 3.6147% | 1,553 |
| Loan and lease loss provision to assets | 0.5004% | 1,272 |
| Net operating income to assets | 0.2047% | 5,898 |
| Return on assets (ROA) | 0.2478% | 5,961 |
| Pretax return on assets | 0.3693% | 5,782 |
| Return on Equity (ROE) | 2.2098% | 5,981 |
| Retained earnings to average equity (ytd only) | 2.2098% | 5,083 |
| Net charge-offs to loans | 0.4301% | 2,320 |
| Credit loss provision to net charge-offs | 146.8531% | 1,886 |
| Earnings coverage of net charge-offs (x) | 2.3636% | 3,822 |
| Efficiency ratio | 81.7790% | 1,912 |
| Assets per employee ($millions) | 3.6372% | 4,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,871 |
| Loan loss allowance to noncurrent loans | 60.9739% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 2.4039% | 2,325 |
| Noncurrent loans to loans | 2.1369% | 2,779 |
| Net loans and leases to total assets | 77.1015% | 833 |
| Net loans and leases to deposits | 94.0501% | 765 |
| Net loans and leases to core deposits | 112.4546% | 495 |
| Total domestic deposits to total assets | 81.9792% | 5,142 |
| Equity capital to assets | 11.2837% | 2,811 |
| Core capital (leverage) ratio | 8.9045% | 5,042 |
| Tier 1 risk-based capital ratio | 11.9060% | 5,990 |
| Total risk-based capital ratio | 13.1576% | 5,959 |
| Memoranda: | ||
| Average total assets | $167,870,000 | 3,535 |
| Average earning assets | $150,584,670 | 3,590 |
| Average equity | $18,825,330 | 3,374 |
| Average total loans | $132,986,330 | 2,874 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4186% | 883 |
| Cost of funding earning assets | 0.9323% | 2,418 |
| Net interest margin | 4.4863% | 1,038 |
| Noninterest income to average assets | 0.4020% | 4,654 |
| Noninterest expense to average assets | 3.3399% | 2,170 |
| Loan and lease loss provision to assets | 0.5709% | 1,013 |
| Net operating income to assets | 0.3328% | 5,542 |
| Return on assets (ROA) | 0.4163% | 5,378 |
| Pretax return on assets | 0.6375% | 4,982 |
| Return on Equity (ROE) | 3.7237% | 5,416 |
| Retained earnings to average equity (ytd only) | 3.7237% | 4,355 |
| Net charge-offs to loans | 0.6501% | 1,503 |
| Credit loss provision to net charge-offs | 110.0917% | 2,129 |
| Earnings coverage of net charge-offs (x) | 2.0826% | 3,317 |
| Efficiency ratio | 75.5651% | 2,843 |
| Assets per employee ($millions) | 3.8262% | 4,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,650 |
| Loan loss allowance to noncurrent loans | 71.5700% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 2.1977% | 2,691 |
| Noncurrent loans to loans | 1.6301% | 3,666 |
| Net loans and leases to total assets | 78.2804% | 563 |
| Net loans and leases to deposits | 98.7979% | 417 |
| Net loans and leases to core deposits | 118.8341% | 329 |
| Total domestic deposits to total assets | 79.2329% | 6,027 |
| Equity capital to assets | 10.9635% | 2,949 |
| Core capital (leverage) ratio | 8.8880% | 5,006 |
| Tier 1 risk-based capital ratio | 11.4674% | 6,301 |
| Total risk-based capital ratio | 12.6996% | 6,292 |
| Memoranda: | ||
| Average total assets | $168,149,000 | 3,552 |
| Average earning assets | $150,593,000 | 3,609 |
| Average equity | $18,798,500 | 3,380 |
| Average total loans | $134,128,000 | 2,868 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5193% | 1,122 |
| Cost of funding earning assets | 0.9838% | 3,486 |
| Net interest margin | 4.5354% | 1,056 |
| Noninterest income to average assets | 0.7907% | 2,115 |
| Noninterest expense to average assets | 3.2566% | 2,666 |
| Loan and lease loss provision to assets | 0.7734% | 1,291 |
| Net operating income to assets | 0.5379% | 4,282 |
| Return on assets (ROA) | 0.5420% | 4,455 |
| Pretax return on assets | 0.8392% | 3,825 |
| Return on Equity (ROE) | 4.7232% | 4,520 |
| Retained earnings to average equity (ytd only) | 4.7232% | 2,839 |
| Net charge-offs to loans | 0.8417% | 2,059 |
| Credit loss provision to net charge-offs | 118.6275% | 2,703 |
| Earnings coverage of net charge-offs (x) | 2.4637% | 3,979 |
| Efficiency ratio | 66.9690% | 4,582 |
| Assets per employee ($millions) | 3.6470% | 4,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1905% | 5,439 |
| Loan loss allowance to noncurrent loans | 50.3366% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.7547% | 2,205 |
| Noncurrent loans to loans | 2.3650% | 2,771 |
| Net loans and leases to total assets | 79.4013% | 553 |
| Net loans and leases to deposits | 101.0750% | 412 |
| Net loans and leases to core deposits | 121.3731% | 332 |
| Total domestic deposits to total assets | 78.5568% | 6,083 |
| Equity capital to assets | 11.4065% | 2,592 |
| Core capital (leverage) ratio | 9.4902% | 4,037 |
| Tier 1 risk-based capital ratio | 11.8907% | 5,907 |
| Total risk-based capital ratio | 13.1414% | 5,887 |
| Memoranda: | ||
| Average total assets | $156,451,400 | 3,690 |
| Average earning assets | $140,471,800 | 3,736 |
| Average equity | $17,953,800 | 3,431 |
| Average total loans | $121,181,400 | 3,155 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4882% | 1,278 |
| Cost of funding earning assets | 0.9848% | 3,786 |
| Net interest margin | 4.5034% | 1,142 |
| Noninterest income to average assets | 0.9171% | 1,588 |
| Noninterest expense to average assets | 3.2320% | 2,723 |
| Loan and lease loss provision to assets | 0.8887% | 1,019 |
| Net operating income to assets | 0.5457% | 4,340 |
| Return on assets (ROA) | 0.5513% | 4,493 |
| Pretax return on assets | 0.8533% | 3,937 |
| Return on Equity (ROE) | 4.7966% | 4,613 |
| Retained earnings to average equity (ytd only) | 4.7966% | 3,315 |
| Net charge-offs to loans | 0.9518% | 1,693 |
| Credit loss provision to net charge-offs | 121.7494% | 2,659 |
| Earnings coverage of net charge-offs (x) | 2.3747% | 3,940 |
| Efficiency ratio | 65.0912% | 4,883 |
| Assets per employee ($millions) | 3.7359% | 4,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2540% | 5,226 |
| Loan loss allowance to noncurrent loans | 58.2340% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 2.5990% | 2,484 |
| Noncurrent loans to loans | 2.1535% | 3,173 |
| Net loans and leases to total assets | 78.4370% | 664 |
| Net loans and leases to deposits | 105.5433% | 266 |
| Net loans and leases to core deposits | 133.0832% | 216 |
| Total domestic deposits to total assets | 74.3174% | 6,723 |
| Equity capital to assets | 11.8248% | 2,395 |
| Core capital (leverage) ratio | 9.5458% | 4,088 |
| Tier 1 risk-based capital ratio | 12.2412% | 5,713 |
| Total risk-based capital ratio | 13.4923% | 5,694 |
| Memoranda: | ||
| Average total assets | $154,535,000 | 3,749 |
| Average earning assets | $138,912,750 | 3,786 |
| Average equity | $17,762,250 | 3,461 |
| Average total loans | $118,506,500 | 3,233 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 1,733 |
| Cost of funding earning assets | 0.9925% | 3,996 |
| Net interest margin | 4.3520% | 1,505 |
| Noninterest income to average assets | 1.1799% | 921 |
| Noninterest expense to average assets | 3.2326% | 2,798 |
| Loan and lease loss provision to assets | 1.1057% | 737 |
| Net operating income to assets | 0.4944% | 4,527 |
| Return on assets (ROA) | 0.5021% | 4,633 |
| Pretax return on assets | 0.7662% | 4,157 |
| Return on Equity (ROE) | 4.4118% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.4118% | 3,385 |
| Net charge-offs to loans | 1.4580% | 1,030 |
| Credit loss provision to net charge-offs | 100.1178% | 3,105 |
| Earnings coverage of net charge-offs (x) | 1.6843% | 4,030 |
| Efficiency ratio | 63.4738% | 5,336 |
| Assets per employee ($millions) | 3.5914% | 4,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 5,682 |
| Loan loss allowance to noncurrent loans | 57.5897% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.4904% | 2,679 |
| Noncurrent loans to loans | 2.0239% | 3,445 |
| Net loans and leases to total assets | 75.8301% | 1,093 |
| Net loans and leases to deposits | 107.3018% | 232 |
| Net loans and leases to core deposits | 134.7843% | 223 |
| Total domestic deposits to total assets | 70.6699% | 7,076 |
| Equity capital to assets | 11.5034% | 2,498 |
| Core capital (leverage) ratio | 9.3077% | 4,241 |
| Tier 1 risk-based capital ratio | 12.3148% | 5,506 |
| Total risk-based capital ratio | 13.5554% | 5,496 |
| Memoranda: | ||
| Average total assets | $153,744,000 | 3,785 |
| Average earning assets | $138,236,670 | 3,823 |
| Average equity | $17,498,330 | 3,496 |
| Average total loans | $116,463,000 | 3,309 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3361% | 1,764 |
| Cost of funding earning assets | 1.0266% | 4,015 |
| Net interest margin | 4.3095% | 1,535 |
| Noninterest income to average assets | 1.9166% | 384 |
| Noninterest expense to average assets | 3.2751% | 2,636 |
| Loan and lease loss provision to assets | 1.7471% | 334 |
| Net operating income to assets | 0.4993% | 4,493 |
| Return on assets (ROA) | 0.5163% | 4,506 |
| Pretax return on assets | 0.7953% | 3,911 |
| Return on Equity (ROE) | 4.5609% | 4,618 |
| Retained earnings to average equity (ytd only) | 4.5609% | 3,442 |
| Net charge-offs to loans | 2.0684% | 614 |
| Credit loss provision to net charge-offs | 112.2278% | 2,387 |
| Earnings coverage of net charge-offs (x) | 1.6164% | 3,502 |
| Efficiency ratio | 56.5511% | 6,439 |
| Assets per employee ($millions) | 3.3698% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 5,181 |
| Loan loss allowance to noncurrent loans | 64.9664% | 4,155 |
| Noncurrent assets plus other real estate owned to assets | 2.4716% | 2,758 |
| Noncurrent loans to loans | 1.9867% | 3,589 |
| Net loans and leases to total assets | 73.2297% | 1,476 |
| Net loans and leases to deposits | 94.2170% | 803 |
| Net loans and leases to core deposits | 122.0002% | 380 |
| Total domestic deposits to total assets | 77.7245% | 6,409 |
| Equity capital to assets | 11.5120% | 2,254 |
| Core capital (leverage) ratio | 9.2717% | 4,168 |
| Tier 1 risk-based capital ratio | 12.6234% | 5,141 |
| Total risk-based capital ratio | 13.8747% | 5,122 |
| Memoranda: | ||
| Average total assets | $153,400,000 | 3,825 |
| Average earning assets | $137,928,000 | 3,858 |
| Average equity | $17,365,000 | 3,512 |
| Average total loans | $115,451,000 | 3,356 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3247% | 3,004 |
| Cost of funding earning assets | 1.3306% | 3,685 |
| Net interest margin | 3.9941% | 3,046 |
| Noninterest income to average assets | 0.5387% | 3,895 |
| Noninterest expense to average assets | 3.3547% | 2,570 |
| Loan and lease loss provision to assets | 0.4836% | 3,241 |
| Net operating income to assets | 0.1946% | 5,281 |
| Return on assets (ROA) | 0.1959% | 5,450 |
| Pretax return on assets | 0.2825% | 5,281 |
| Return on Equity (ROE) | 1.7429% | 5,485 |
| Retained earnings to average equity (ytd only) | 1.7429% | 4,636 |
| Net charge-offs to loans | 0.6194% | 3,182 |
| Credit loss provision to net charge-offs | 106.9565% | 4,160 |
| Earnings coverage of net charge-offs (x) | 1.6899% | 4,464 |
| Efficiency ratio | 81.4479% | 2,228 |
| Assets per employee ($millions) | 3.2325% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1655% | 5,663 |
| Loan loss allowance to noncurrent loans | 49.5868% | 5,029 |
| Noncurrent assets plus other real estate owned to assets | 2.8094% | 2,495 |
| Noncurrent loans to loans | 2.3504% | 3,169 |
| Net loans and leases to total assets | 75.4218% | 1,399 |
| Net loans and leases to deposits | 100.5706% | 545 |
| Net loans and leases to core deposits | 121.5672% | 485 |
| Total domestic deposits to total assets | 74.9939% | 6,773 |
| Equity capital to assets | 11.1325% | 2,565 |
| Core capital (leverage) ratio | 8.8083% | 4,841 |
| Tier 1 risk-based capital ratio | 11.9883% | 5,480 |
| Total risk-based capital ratio | 13.2321% | 5,473 |
| Memoranda: | ||
| Average total assets | $152,590,800 | 3,834 |
| Average earning assets | $136,777,600 | 3,882 |
| Average equity | $17,155,800 | 3,566 |
| Average total loans | $111,405,000 | 3,512 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2601% | 3,532 |
| Cost of funding earning assets | 1.4013% | 3,577 |
| Net interest margin | 3.8589% | 3,716 |
| Noninterest income to average assets | 0.5379% | 3,881 |
| Noninterest expense to average assets | 3.2958% | 2,586 |
| Loan and lease loss provision to assets | 0.4677% | 3,132 |
| Net operating income to assets | 0.1631% | 5,609 |
| Return on assets (ROA) | 0.1650% | 5,759 |
| Pretax return on assets | 0.2325% | 5,657 |
| Return on Equity (ROE) | 1.4636% | 5,778 |
| Retained earnings to average equity (ytd only) | 1.4636% | 5,214 |
| Net charge-offs to loans | 0.6152% | 2,899 |
| Credit loss provision to net charge-offs | 105.3360% | 4,065 |
| Earnings coverage of net charge-offs (x) | 1.5711% | 4,546 |
| Efficiency ratio | 82.5313% | 2,004 |
| Assets per employee ($millions) | 3.2334% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 5,376 |
| Loan loss allowance to noncurrent loans | 37.5277% | 5,836 |
| Noncurrent assets plus other real estate owned to assets | 3.5158% | 2,025 |
| Noncurrent loans to loans | 3.2594% | 2,430 |
| Net loans and leases to total assets | 72.1092% | 2,230 |
| Net loans and leases to deposits | 92.5580% | 1,376 |
| Net loans and leases to core deposits | 115.2786% | 778 |
| Total domestic deposits to total assets | 77.9070% | 6,278 |
| Equity capital to assets | 11.3410% | 2,670 |
| Core capital (leverage) ratio | 8.7201% | 5,152 |
| Tier 1 risk-based capital ratio | 12.1095% | 5,357 |
| Total risk-based capital ratio | 13.3552% | 5,327 |
| Memoranda: | ||
| Average total assets | $151,949,000 | 3,901 |
| Average earning assets | $136,064,250 | 3,945 |
| Average equity | $17,126,500 | 3,616 |
| Average total loans | $109,655,500 | 3,609 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2266% | 3,818 |
| Cost of funding earning assets | 1.4673% | 3,447 |
| Net interest margin | 3.7593% | 4,095 |
| Noninterest income to average assets | 0.5463% | 3,742 |
| Noninterest expense to average assets | 3.1815% | 2,971 |
| Loan and lease loss provision to assets | 0.4739% | 2,946 |
| Net operating income to assets | 0.1803% | 5,631 |
| Return on assets (ROA) | 0.1803% | 5,753 |
| Pretax return on assets | 0.2567% | 5,638 |
| Return on Equity (ROE) | 1.6032% | 5,758 |
| Retained earnings to average equity (ytd only) | 1.6032% | 5,060 |
| Net charge-offs to loans | 0.5951% | 2,741 |
| Credit loss provision to net charge-offs | 110.7692% | 3,665 |
| Earnings coverage of net charge-offs (x) | 1.7077% | 4,226 |
| Efficiency ratio | 81.3257% | 2,253 |
| Assets per employee ($millions) | 3.1493% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 5,279 |
| Loan loss allowance to noncurrent loans | 33.2278% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 3.3466% | 2,100 |
| Noncurrent loans to loans | 3.7097% | 2,108 |
| Net loans and leases to total assets | 72.3513% | 2,311 |
| Net loans and leases to deposits | 93.0105% | 1,388 |
| Net loans and leases to core deposits | 117.0104% | 805 |
| Total domestic deposits to total assets | 77.7883% | 6,314 |
| Equity capital to assets | 11.3748% | 2,537 |
| Core capital (leverage) ratio | 8.5692% | 5,298 |
| Tier 1 risk-based capital ratio | 11.8747% | 5,423 |
| Total risk-based capital ratio | 13.1083% | 5,407 |
| Memoranda: | ||
| Average total assets | $151,941,670 | 3,919 |
| Average earning assets | $136,034,670 | 3,973 |
| Average equity | $17,090,330 | 3,622 |
| Average total loans | $109,226,670 | 3,657 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 4,114 |
| Cost of funding earning assets | 1.4891% | 3,625 |
| Net interest margin | 3.6947% | 4,269 |
| Noninterest income to average assets | 0.5173% | 3,919 |
| Noninterest expense to average assets | 3.1169% | 3,201 |
| Loan and lease loss provision to assets | 0.4727% | 2,610 |
| Net operating income to assets | 0.1654% | 5,807 |
| Return on assets (ROA) | 0.1654% | 5,935 |
| Pretax return on assets | 0.2311% | 5,793 |
| Return on Equity (ROE) | 1.4790% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.4790% | 5,206 |
| Net charge-offs to loans | 0.6453% | 2,213 |
| Credit loss provision to net charge-offs | 102.8571% | 3,319 |
| Earnings coverage of net charge-offs (x) | 1.5314% | 3,813 |
| Efficiency ratio | 81.5808% | 2,338 |
| Assets per employee ($millions) | 3.5386% | 4,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2342% | 5,311 |
| Loan loss allowance to noncurrent loans | 31.1479% | 6,334 |
| Noncurrent assets plus other real estate owned to assets | 3.4869% | 2,021 |
| Noncurrent loans to loans | 3.9623% | 1,984 |
| Net loans and leases to total assets | 68.6162% | 3,249 |
| Net loans and leases to deposits | 89.2738% | 2,020 |
| Net loans and leases to core deposits | 112.8453% | 1,111 |
| Total domestic deposits to total assets | 76.8603% | 6,585 |
| Equity capital to assets | 10.9597% | 2,800 |
| Core capital (leverage) ratio | 8.8104% | 4,841 |
| Tier 1 risk-based capital ratio | 11.8503% | 5,341 |
| Total risk-based capital ratio | 13.0612% | 5,327 |
| Memoranda: | ||
| Average total assets | $152,328,500 | 3,977 |
| Average earning assets | $136,194,000 | 4,034 |
| Average equity | $17,038,000 | 3,648 |
| Average total loans | $108,471,500 | 3,719 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7294% | 2,964 |
| Cost of funding earning assets | 1.6916% | 4,561 |
| Net interest margin | 4.0378% | 2,702 |
| Noninterest income to average assets | 0.6133% | 3,527 |
| Noninterest expense to average assets | 3.4697% | 2,454 |
| Loan and lease loss provision to assets | 0.9992% | 2,277 |
| Net operating income to assets | -0.1857% | 5,828 |
| Return on assets (ROA) | -0.1857% | 5,823 |
| Pretax return on assets | -0.2678% | 5,797 |
| Return on Equity (ROE) | -1.5583% | 5,790 |
| Retained earnings to average equity (ytd only) | -1.5583% | 5,403 |
| Net charge-offs to loans | 1.5468% | 1,627 |
| Credit loss provision to net charge-offs | 88.7468% | 6,047 |
| Earnings coverage of net charge-offs (x) | 0.6496% | 5,442 |
| Efficiency ratio | 82.5908% | 2,538 |
| Assets per employee ($millions) | 3.5466% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2236% | 5,220 |
| Loan loss allowance to noncurrent loans | 39.8145% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 2.8323% | 2,477 |
| Noncurrent loans to loans | 3.0733% | 2,494 |
| Net loans and leases to total assets | 72.1292% | 2,728 |
| Net loans and leases to deposits | 95.0478% | 1,451 |
| Net loans and leases to core deposits | 145.4094% | 628 |
| Total domestic deposits to total assets | 75.8873% | 6,699 |
| Equity capital to assets | 11.4206% | 2,374 |
| Core capital (leverage) ratio | 9.2762% | 4,008 |
| Tier 1 risk-based capital ratio | 11.7800% | 5,125 |
| Total risk-based capital ratio | 12.9858% | 5,130 |
| Memoranda: | ||
| Average total assets | $138,917,600 | 4,144 |
| Average earning assets | $123,432,800 | 4,231 |
| Average equity | $16,556,000 | 3,770 |
| Average total loans | $101,110,600 | 3,915 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7403% | 3,137 |
| Cost of funding earning assets | 1.7485% | 4,642 |
| Net interest margin | 3.9917% | 2,857 |
| Noninterest income to average assets | 0.5347% | 4,198 |
| Noninterest expense to average assets | 3.4680% | 2,361 |
| Loan and lease loss provision to assets | 1.0977% | 1,779 |
| Net operating income to assets | -0.2707% | 6,164 |
| Return on assets (ROA) | -0.2707% | 6,174 |
| Pretax return on assets | -0.4897% | 6,283 |
| Return on Equity (ROE) | -2.2462% | 6,130 |
| Retained earnings to average equity (ytd only) | -2.2462% | 5,769 |
| Net charge-offs to loans | 2.0162% | 972 |
| Credit loss provision to net charge-offs | 74.8667% | 5,889 |
| Earnings coverage of net charge-offs (x) | 0.4147% | 5,617 |
| Efficiency ratio | 85.0839% | 2,172 |
| Assets per employee ($millions) | 3.2946% | 5,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 5,852 |
| Loan loss allowance to noncurrent loans | 43.7427% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 2.4961% | 2,776 |
| Noncurrent loans to loans | 2.4648% | 3,055 |
| Net loans and leases to total assets | 74.8587% | 2,278 |
| Net loans and leases to deposits | 102.1649% | 911 |
| Net loans and leases to core deposits | 148.8419% | 607 |
| Total domestic deposits to total assets | 73.2724% | 7,052 |
| Equity capital to assets | 12.2848% | 2,076 |
| Core capital (leverage) ratio | 9.8772% | 3,427 |
| Tier 1 risk-based capital ratio | 13.2255% | 4,033 |
| Total risk-based capital ratio | 14.3755% | 4,040 |
| Memoranda: | ||
| Average total assets | $136,407,250 | 4,226 |
| Average earning assets | $121,013,500 | 4,319 |
| Average equity | $16,442,000 | 3,823 |
| Average total loans | $99,194,750 | 4,010 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7649% | 3,221 |
| Cost of funding earning assets | 1.8111% | 4,705 |
| Net interest margin | 3.9538% | 2,876 |
| Noninterest income to average assets | 0.5392% | 4,114 |
| Noninterest expense to average assets | 3.5108% | 2,308 |
| Loan and lease loss provision to assets | 1.4630% | 1,185 |
| Net operating income to assets | -0.5333% | 6,582 |
| Return on assets (ROA) | -0.5333% | 6,591 |
| Pretax return on assets | -0.9223% | 6,762 |
| Return on Equity (ROE) | -4.4536% | 6,541 |
| Retained earnings to average equity (ytd only) | -4.4536% | 6,216 |
| Net charge-offs to loans | 2.5576% | 670 |
| Credit loss provision to net charge-offs | 79.7590% | 5,208 |
| Earnings coverage of net charge-offs (x) | 0.2948% | 5,380 |
| Efficiency ratio | 86.6545% | 2,162 |
| Assets per employee ($millions) | 3.1997% | 5,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,596 |
| Loan loss allowance to noncurrent loans | 57.9750% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.8409% | 3,413 |
| Noncurrent loans to loans | 2.1563% | 3,302 |
| Net loans and leases to total assets | 73.7077% | 2,786 |
| Net loans and leases to deposits | 98.8553% | 1,415 |
| Net loans and leases to core deposits | 137.3437% | 1,139 |
| Total domestic deposits to total assets | 74.5612% | 6,858 |
| Equity capital to assets | 12.5553% | 1,896 |
| Core capital (leverage) ratio | 9.6474% | 3,705 |
| Tier 1 risk-based capital ratio | 13.2924% | 3,940 |
| Total risk-based capital ratio | 14.5428% | 3,863 |
| Memoranda: | ||
| Average total assets | $135,751,670 | 4,265 |
| Average earning assets | $120,591,330 | 4,351 |
| Average equity | $16,256,330 | 3,873 |
| Average total loans | $97,355,000 | 4,087 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6505% | 4,045 |
| Cost of funding earning assets | 1.8747% | 4,771 |
| Net interest margin | 3.7758% | 3,555 |
| Noninterest income to average assets | 0.5600% | 3,838 |
| Noninterest expense to average assets | 3.4127% | 2,320 |
| Loan and lease loss provision to assets | 2.4715% | 467 |
| Net operating income to assets | -1.1698% | 7,349 |
| Return on assets (ROA) | -1.1698% | 7,358 |
| Pretax return on assets | -1.9761% | 7,526 |
| Return on Equity (ROE) | -10.0075% | 7,366 |
| Retained earnings to average equity (ytd only) | -10.0075% | 7,112 |
| Net charge-offs to loans | 4.9062% | 222 |
| Credit loss provision to net charge-offs | 71.6837% | 4,324 |
| Earnings coverage of net charge-offs (x) | 0.1437% | 4,857 |
| Efficiency ratio | 87.3218% | 1,954 |
| Assets per employee ($millions) | 3.0374% | 6,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 4,749 |
| Loan loss allowance to noncurrent loans | 58.0981% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 1.7046% | 3,361 |
| Noncurrent loans to loans | 2.0793% | 3,149 |
| Net loans and leases to total assets | 70.1803% | 3,633 |
| Net loans and leases to deposits | 89.3807% | 3,032 |
| Net loans and leases to core deposits | 126.5932% | 1,881 |
| Total domestic deposits to total assets | 78.5185% | 5,859 |
| Equity capital to assets | 12.3722% | 2,046 |
| Core capital (leverage) ratio | 9.5178% | 3,955 |
| Tier 1 risk-based capital ratio | 13.8153% | 3,687 |
| Total risk-based capital ratio | 15.0653% | 3,609 |
| Memoranda: | ||
| Average total assets | $136,433,000 | 4,272 |
| Average earning assets | $120,980,000 | 4,360 |
| Average equity | $15,948,000 | 3,951 |
| Average total loans | $95,878,000 | 4,150 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5887% | 7,102 |
| Cost of funding earning assets | 1.8783% | 6,797 |
| Net interest margin | 3.7104% | 4,428 |
| Noninterest income to average assets | 0.4222% | 5,282 |
| Noninterest expense to average assets | 3.4536% | 2,514 |
| Loan and lease loss provision to assets | 0.6503% | 2,238 |
| Net operating income to assets | -0.1807% | 6,596 |
| Return on assets (ROA) | -0.1807% | 6,447 |
| Pretax return on assets | -0.4446% | 6,599 |
| Return on Equity (ROE) | -1.6709% | 6,459 |
| Retained earnings to average equity (ytd only) | -1.6709% | 5,783 |
| Net charge-offs to loans | 0.0237% | 6,516 |
| Credit loss provision to net charge-offs | 4,038.8889% | 128 |
| Earnings coverage of net charge-offs (x) | 12.7778% | 2,208 |
| Efficiency ratio | 94.3779% | 1,253 |
| Assets per employee ($millions) | 2.8371% | 6,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5910% | 2,288 |
| Loan loss allowance to noncurrent loans | 35.3107% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 3.2361% | 1,407 |
| Noncurrent loans to loans | 4.5057% | 1,061 |
| Net loans and leases to total assets | 68.4023% | 4,390 |
| Net loans and leases to deposits | 88.5306% | 3,719 |
| Net loans and leases to core deposits | 116.6458% | 3,048 |
| Total domestic deposits to total assets | 77.2641% | 5,927 |
| Equity capital to assets | 11.0037% | 3,038 |
| Core capital (leverage) ratio | 8.7053% | 5,185 |
| Tier 1 risk-based capital ratio | 12.3771% | 4,522 |
| Total risk-based capital ratio | 13.6325% | 4,419 |
| Memoranda: | ||
| Average total assets | $111,795,600 | 4,730 |
| Average earning assets | $97,535,600 | 4,872 |
| Average equity | $12,089,600 | 4,809 |
| Average total loans | $76,040,600 | 4,650 |