Home > Schaumburg Bank & Trust Company > Performance and Condition Ratios
Schaumburg Bank & Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8249% | 798 |
| Cost of funding earning assets | 2.1153% | 750 |
| Net interest margin | 3.7096% | 1,746 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.4114% | 4,383 |
| Loan and lease loss provision to assets | 0.2100% | 579 |
| Net operating income to assets | 1.5531% | 932 |
| Return on assets (ROA) | 1.5555% | 899 |
| Pretax return on assets | 2.1202% | 553 |
| Return on Equity (ROE) | 16.5900% | 1,003 |
| Retained earnings to average equity (ytd only) | 16.5866% | 236 |
| Net charge-offs to loans | 0.0729% | 1,129 |
| Credit loss provision to net charge-offs | 440.9836% | 731 |
| Earnings coverage of net charge-offs (x) | 43.3915% | 1,391 |
| Efficiency ratio | 37.6401% | 4,405 |
| Assets per employee ($millions) | 29.8529% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7070% | 4,112 |
| Loan loss allowance to noncurrent loans | 320.7531% | 1,939 |
| Noncurrent assets plus other real estate owned to assets | 0.1758% | 2,363 |
| Noncurrent loans to loans | 0.2204% | 2,437 |
| Net loans and leases to total assets | 77.2100% | 951 |
| Net loans and leases to deposits | 93.9560% | 944 |
| Net loans and leases to core deposits | 113.3660% | 833 |
| Total domestic deposits to total assets | 82.1700% | 3,099 |
| Equity capital to assets | 9.8539% | 2,092 |
| Core capital (leverage) ratio | 9.3623% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3056% | 2,760 |
| Memoranda: | ||
| Average total assets | $1,932,660,800 | 591 |
| Average earning assets | $1,815,932,600 | 569 |
| Average equity | $181,249,200 | 585 |
| Average total loans | $1,422,651,000 | 542 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6479% | 853 |
| Cost of funding earning assets | 1.9515% | 780 |
| Net interest margin | 3.6964% | 1,781 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 1.3811% | 4,411 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 1.5967% | 943 |
| Return on assets (ROA) | 1.5958% | 941 |
| Pretax return on assets | 2.1843% | 571 |
| Return on Equity (ROE) | 17.2500% | 1,038 |
| Retained earnings to average equity (ytd only) | 17.2484% | 377 |
| Net charge-offs to loans | 0.0777% | 941 |
| Credit loss provision to net charge-offs | 266.5012% | 955 |
| Earnings coverage of net charge-offs (x) | 42.0124% | 1,418 |
| Efficiency ratio | 36.7518% | 4,432 |
| Assets per employee ($millions) | 28.8660% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6017% | 4,263 |
| Loan loss allowance to noncurrent loans | 267.9821% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1728% | 2,434 |
| Noncurrent loans to loans | 0.2245% | 2,453 |
| Net loans and leases to total assets | 73.2800% | 1,439 |
| Net loans and leases to deposits | 87.7781% | 1,408 |
| Net loans and leases to core deposits | 108.6625% | 923 |
| Total domestic deposits to total assets | 83.4900% | 2,909 |
| Equity capital to assets | 9.0469% | 2,389 |
| Core capital (leverage) ratio | 8.9860% | 3,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3849% | 2,755 |
| Memoranda: | ||
| Average total assets | $1,908,327,000 | 597 |
| Average earning assets | $1,796,046,750 | 578 |
| Average equity | $176,553,250 | 596 |
| Average total loans | $1,383,708,500 | 554 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4036% | 952 |
| Cost of funding earning assets | 1.6983% | 887 |
| Net interest margin | 3.7054% | 1,803 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.3902% | 4,422 |
| Loan and lease loss provision to assets | 0.1500% | 736 |
| Net operating income to assets | 1.6005% | 952 |
| Return on assets (ROA) | 1.6023% | 944 |
| Pretax return on assets | 2.1931% | 540 |
| Return on Equity (ROE) | 17.1800% | 1,067 |
| Retained earnings to average equity (ytd only) | 17.1824% | 385 |
| Net charge-offs to loans | 0.0552% | 974 |
| Credit loss provision to net charge-offs | 349.1935% | 791 |
| Earnings coverage of net charge-offs (x) | 58.8683% | 1,205 |
| Efficiency ratio | 37.1419% | 4,445 |
| Assets per employee ($millions) | 28.0045% | 51 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6031% | 4,301 |
| Loan loss allowance to noncurrent loans | 262.4808% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 2,089 |
| Noncurrent loans to loans | 0.2298% | 2,344 |
| Net loans and leases to total assets | 70.8600% | 1,650 |
| Net loans and leases to deposits | 84.8339% | 1,600 |
| Net loans and leases to core deposits | 103.9212% | 1,060 |
| Total domestic deposits to total assets | 83.5300% | 2,928 |
| Equity capital to assets | 9.0763% | 2,462 |
| Core capital (leverage) ratio | 9.1291% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3980% | 2,780 |
| Memoranda: | ||
| Average total assets | $1,870,895,000 | 599 |
| Average earning assets | $1,751,449,667 | 581 |
| Average equity | $174,469,667 | 593 |
| Average total loans | $1,348,361,667 | 553 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 1,028 |
| Cost of funding earning assets | 1.4172% | 997 |
| Net interest margin | 3.7285% | 1,832 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 1.4542% | 4,426 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.6084% | 968 |
| Return on assets (ROA) | 1.6146% | 955 |
| Pretax return on assets | 2.2007% | 568 |
| Return on Equity (ROE) | 17.0600% | 1,164 |
| Retained earnings to average equity (ytd only) | 17.0641% | 590 |
| Net charge-offs to loans | 0.0171% | 1,343 |
| Credit loss provision to net charge-offs | 873.2143% | 392 |
| Earnings coverage of net charge-offs (x) | 187.2321% | 526 |
| Efficiency ratio | 38.4642% | 4,480 |
| Assets per employee ($millions) | 28.4265% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6059% | 4,348 |
| Loan loss allowance to noncurrent loans | 432.5994% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.1592% | 2,391 |
| Noncurrent loans to loans | 0.1401% | 2,795 |
| Net loans and leases to total assets | 71.5200% | 1,469 |
| Net loans and leases to deposits | 86.5648% | 1,311 |
| Net loans and leases to core deposits | 104.5839% | 892 |
| Total domestic deposits to total assets | 82.6200% | 3,375 |
| Equity capital to assets | 9.5143% | 2,131 |
| Core capital (leverage) ratio | 9.3591% | 3,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5003% | 2,852 |
| Memoranda: | ||
| Average total assets | $1,812,182,000 | 626 |
| Average earning assets | $1,680,256,000 | 617 |
| Average equity | $171,471,500 | 610 |
| Average total loans | $1,313,764,000 | 572 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4320% | 3,265 |
| Cost of funding earning assets | 0.4311% | 1,854 |
| Net interest margin | 3.0008% | 3,447 |
| Noninterest income to average assets | 0.3300% | 3,139 |
| Noninterest expense to average assets | 1.4592% | 4,464 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 1.1468% | 1,986 |
| Return on assets (ROA) | 1.1406% | 1,955 |
| Pretax return on assets | 1.5493% | 1,296 |
| Return on Equity (ROE) | 11.6400% | 2,262 |
| Retained earnings to average equity (ytd only) | 11.6398% | 753 |
| Net charge-offs to loans | 0.0387% | 1,321 |
| Credit loss provision to net charge-offs | 274.9474% | 954 |
| Earnings coverage of net charge-offs (x) | 59.0716% | 1,268 |
| Efficiency ratio | 45.8167% | 4,355 |
| Assets per employee ($millions) | 27.3329% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5886% | 4,352 |
| Loan loss allowance to noncurrent loans | 333.4788% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 2,142 |
| Noncurrent loans to loans | 0.1765% | 2,600 |
| Net loans and leases to total assets | 72.6300% | 1,353 |
| Net loans and leases to deposits | 88.1523% | 1,166 |
| Net loans and leases to core deposits | 103.9059% | 823 |
| Total domestic deposits to total assets | 82.3900% | 3,552 |
| Equity capital to assets | 9.4079% | 2,075 |
| Core capital (leverage) ratio | 9.2619% | 3,384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3386% | 2,907 |
| Memoranda: | ||
| Average total assets | $1,638,529,400 | 662 |
| Average earning assets | $1,552,830,600 | 637 |
| Average equity | $160,561,200 | 643 |
| Average total loans | $1,227,759,400 | 568 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0170% | 3,862 |
| Cost of funding earning assets | 0.2745% | 2,439 |
| Net interest margin | 2.7425% | 3,847 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 1.4075% | 4,503 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.0760% | 2,183 |
| Return on assets (ROA) | 1.0667% | 2,182 |
| Pretax return on assets | 1.4517% | 1,549 |
| Return on Equity (ROE) | 10.7700% | 2,477 |
| Retained earnings to average equity (ytd only) | 10.7669% | 1,115 |
| Net charge-offs to loans | 0.0189% | 1,461 |
| Credit loss provision to net charge-offs | 350.0000% | 748 |
| Earnings coverage of net charge-offs (x) | 109.1163% | 905 |
| Efficiency ratio | 47.2116% | 4,320 |
| Assets per employee ($millions) | 27.5386% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5686% | 4,404 |
| Loan loss allowance to noncurrent loans | 983.5598% | 980 |
| Noncurrent assets plus other real estate owned to assets | 0.0431% | 3,475 |
| Noncurrent loans to loans | 0.0578% | 3,467 |
| Net loans and leases to total assets | 74.1400% | 1,083 |
| Net loans and leases to deposits | 90.9294% | 829 |
| Net loans and leases to core deposits | 104.2437% | 645 |
| Total domestic deposits to total assets | 81.5400% | 3,900 |
| Equity capital to assets | 9.3756% | 1,967 |
| Core capital (leverage) ratio | 9.5521% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2234% | 3,004 |
| Memoranda: | ||
| Average total assets | $1,604,001,750 | 670 |
| Average earning assets | $1,529,561,750 | 648 |
| Average equity | $158,915,250 | 660 |
| Average total loans | $1,210,193,750 | 569 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7549% | 4,057 |
| Cost of funding earning assets | 0.1790% | 3,197 |
| Net interest margin | 2.5759% | 3,949 |
| Noninterest income to average assets | 0.3725% | 2,913 |
| Noninterest expense to average assets | 1.4269% | 4,506 |
| Loan and lease loss provision to assets | 0.1611% | 575 |
| Net operating income to assets | 0.9166% | 2,510 |
| Return on assets (ROA) | 0.9075% | 2,525 |
| Pretax return on assets | 1.2337% | 1,950 |
| Return on Equity (ROE) | 8.9852% | 2,710 |
| Retained earnings to average equity (ytd only) | 8.9852% | 1,292 |
| Net charge-offs to loans | 0.0219% | 1,291 |
| Credit loss provision to net charge-offs | 616.9231% | 557 |
| Earnings coverage of net charge-offs (x) | 84.8923% | 903 |
| Efficiency ratio | 50.1214% | 4,237 |
| Assets per employee ($millions) | 24.6696% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6187% | 4,444 |
| Loan loss allowance to noncurrent loans | 996.1385% | 936 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,513 |
| Noncurrent loans to loans | 0.0621% | 3,490 |
| Net loans and leases to total assets | 76.1131% | 721 |
| Net loans and leases to deposits | 87.5002% | 875 |
| Net loans and leases to core deposits | 97.5999% | 772 |
| Total domestic deposits to total assets | 86.9862% | 2,944 |
| Equity capital to assets | 10.0981% | 1,659 |
| Core capital (leverage) ratio | 9.6599% | 2,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3442% | 2,960 |
| Memoranda: | ||
| Average total assets | $1,569,538,333 | 674 |
| Average earning assets | $1,499,365,333 | 661 |
| Average equity | $158,527,333 | 666 |
| Average total loans | $1,189,221,000 | 569 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6267% | 4,076 |
| Cost of funding earning assets | 0.1560% | 3,421 |
| Net interest margin | 2.4708% | 3,953 |
| Noninterest income to average assets | 0.3494% | 3,001 |
| Noninterest expense to average assets | 1.3949% | 4,543 |
| Loan and lease loss provision to assets | 0.3576% | 161 |
| Net operating income to assets | 0.7130% | 3,006 |
| Return on assets (ROA) | 0.7027% | 3,042 |
| Pretax return on assets | 0.9447% | 2,613 |
| Return on Equity (ROE) | 6.9562% | 3,048 |
| Retained earnings to average equity (ytd only) | 6.9562% | 1,901 |
| Net charge-offs to loans | 0.0139% | 1,266 |
| Credit loss provision to net charge-offs | 2,109.7561% | 203 |
| Earnings coverage of net charge-offs (x) | 125.5122% | 600 |
| Efficiency ratio | 51.2119% | 4,240 |
| Assets per employee ($millions) | 25.4168% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6457% | 4,464 |
| Loan loss allowance to noncurrent loans | 625.1433% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 3,293 |
| Noncurrent loans to loans | 0.1033% | 3,325 |
| Net loans and leases to total assets | 74.5319% | 617 |
| Net loans and leases to deposits | 85.8810% | 749 |
| Net loans and leases to core deposits | 98.0377% | 575 |
| Total domestic deposits to total assets | 86.7851% | 3,004 |
| Equity capital to assets | 10.0265% | 1,869 |
| Core capital (leverage) ratio | 9.3082% | 2,991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2277% | 3,023 |
| Memoranda: | ||
| Average total assets | $1,564,881,500 | 676 |
| Average earning assets | $1,495,246,500 | 666 |
| Average equity | $158,074,000 | 685 |
| Average total loans | $1,179,234,500 | 573 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6772% | 4,336 |
| Cost of funding earning assets | 0.2624% | 2,781 |
| Net interest margin | 2.4148% | 4,309 |
| Noninterest income to average assets | 0.3513% | 3,333 |
| Noninterest expense to average assets | 1.5104% | 4,534 |
| Loan and lease loss provision to assets | -0.2178% | 4,723 |
| Net operating income to assets | 1.0085% | 2,633 |
| Return on assets (ROA) | 1.0070% | 2,711 |
| Pretax return on assets | 1.3479% | 2,210 |
| Return on Equity (ROE) | 10.3473% | 2,396 |
| Retained earnings to average equity (ytd only) | 10.3473% | 835 |
| Net charge-offs to loans | -0.0252% | 4,064 |
| Credit loss provision to net charge-offs | 1,217.3913% | 461 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8286% | 3,599 |
| Assets per employee ($millions) | 26.3377% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5788% | 4,554 |
| Loan loss allowance to noncurrent loans | 406.9934% | 1,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 3,177 |
| Noncurrent loans to loans | 0.1422% | 3,226 |
| Net loans and leases to total assets | 75.2626% | 564 |
| Net loans and leases to deposits | 86.9491% | 722 |
| Net loans and leases to core deposits | 97.3828% | 645 |
| Total domestic deposits to total assets | 86.5594% | 2,689 |
| Equity capital to assets | 10.1773% | 2,495 |
| Core capital (leverage) ratio | 8.9455% | 3,452 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0357% | 3,044 |
| Memoranda: | ||
| Average total assets | $1,521,018,000 | 676 |
| Average earning assets | $1,443,077,000 | 664 |
| Average equity | $148,029,200 | 725 |
| Average total loans | $1,096,667,800 | 608 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6674% | 4,440 |
| Cost of funding earning assets | 0.2914% | 2,676 |
| Net interest margin | 2.3760% | 4,423 |
| Noninterest income to average assets | 0.3366% | 3,422 |
| Noninterest expense to average assets | 1.5150% | 4,579 |
| Loan and lease loss provision to assets | -0.3068% | 4,825 |
| Net operating income to assets | 1.0207% | 2,833 |
| Return on assets (ROA) | 1.0193% | 2,901 |
| Pretax return on assets | 1.3767% | 2,416 |
| Return on Equity (ROE) | 10.5977% | 2,521 |
| Retained earnings to average equity (ytd only) | 10.5977% | 1,152 |
| Net charge-offs to loans | -0.0338% | 4,186 |
| Credit loss provision to net charge-offs | 1,125.6410% | 479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2118% | 3,234 |
| Assets per employee ($millions) | 25.9983% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 4,579 |
| Loan loss allowance to noncurrent loans | 218.1790% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 0.2084% | 2,738 |
| Noncurrent loans to loans | 0.2951% | 2,732 |
| Net loans and leases to total assets | 70.1774% | 1,064 |
| Net loans and leases to deposits | 80.7501% | 1,216 |
| Net loans and leases to core deposits | 91.9203% | 928 |
| Total domestic deposits to total assets | 86.9069% | 2,388 |
| Equity capital to assets | 9.7559% | 3,143 |
| Core capital (leverage) ratio | 8.7715% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4222% | 3,048 |
| Memoranda: | ||
| Average total assets | $1,512,791,500 | 686 |
| Average earning assets | $1,432,561,750 | 675 |
| Average equity | $145,499,750 | 751 |
| Average total loans | $1,076,751,500 | 624 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6717% | 4,487 |
| Cost of funding earning assets | 0.3293% | 2,493 |
| Net interest margin | 2.3424% | 4,471 |
| Noninterest income to average assets | 0.3257% | 3,474 |
| Noninterest expense to average assets | 1.5167% | 4,607 |
| Loan and lease loss provision to assets | -0.3336% | 4,853 |
| Net operating income to assets | 1.0113% | 2,853 |
| Return on assets (ROA) | 1.0100% | 2,941 |
| Pretax return on assets | 1.3560% | 2,449 |
| Return on Equity (ROE) | 10.5533% | 2,568 |
| Retained earnings to average equity (ytd only) | 10.5533% | 1,234 |
| Net charge-offs to loans | -0.0483% | 4,359 |
| Credit loss provision to net charge-offs | 865.1163% | 510 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2986% | 3,115 |
| Assets per employee ($millions) | 26.5607% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7346% | 4,477 |
| Loan loss allowance to noncurrent loans | 1,379.6167% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 4,008 |
| Noncurrent loans to loans | 0.0532% | 3,909 |
| Net loans and leases to total assets | 68.2873% | 1,416 |
| Net loans and leases to deposits | 78.3770% | 1,580 |
| Net loans and leases to core deposits | 90.6879% | 1,091 |
| Total domestic deposits to total assets | 87.1266% | 2,251 |
| Equity capital to assets | 9.4754% | 3,356 |
| Core capital (leverage) ratio | 8.6471% | 3,840 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5846% | 3,028 |
| Memoranda: | ||
| Average total assets | $1,497,090,000 | 688 |
| Average earning assets | $1,415,721,000 | 676 |
| Average equity | $143,272,333 | 755 |
| Average total loans | $1,068,406,333 | 631 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6381% | 4,538 |
| Cost of funding earning assets | 0.3663% | 2,390 |
| Net interest margin | 2.2719% | 4,549 |
| Noninterest income to average assets | 0.3349% | 3,426 |
| Noninterest expense to average assets | 1.5189% | 4,632 |
| Loan and lease loss provision to assets | -0.3321% | 4,874 |
| Net operating income to assets | 0.9789% | 2,873 |
| Return on assets (ROA) | 0.9761% | 2,978 |
| Pretax return on assets | 1.2877% | 2,600 |
| Return on Equity (ROE) | 10.1461% | 2,649 |
| Retained earnings to average equity (ytd only) | 10.1461% | 1,615 |
| Net charge-offs to loans | -0.0410% | 4,317 |
| Credit loss provision to net charge-offs | 1,130.2752% | 386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8744% | 2,924 |
| Assets per employee ($millions) | 25.6764% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 4,380 |
| Loan loss allowance to noncurrent loans | 993.2050% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0583% | 3,965 |
| Noncurrent loans to loans | 0.0820% | 3,888 |
| Net loans and leases to total assets | 70.5416% | 1,219 |
| Net loans and leases to deposits | 81.1649% | 1,412 |
| Net loans and leases to core deposits | 94.4440% | 950 |
| Total domestic deposits to total assets | 86.9115% | 2,343 |
| Equity capital to assets | 9.5536% | 3,144 |
| Core capital (leverage) ratio | 8.7425% | 3,873 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6850% | 2,983 |
| Memoranda: | ||
| Average total assets | $1,462,094,500 | 698 |
| Average earning assets | $1,379,306,000 | 682 |
| Average equity | $140,665,000 | 761 |
| Average total loans | $1,063,591,500 | 637 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0003% | 4,633 |
| Cost of funding earning assets | 0.6972% | 1,726 |
| Net interest margin | 2.3031% | 4,720 |
| Noninterest income to average assets | 0.3490% | 3,373 |
| Noninterest expense to average assets | 1.6884% | 4,634 |
| Loan and lease loss provision to assets | 0.5939% | 345 |
| Net operating income to assets | 0.1901% | 4,585 |
| Return on assets (ROA) | 0.1909% | 4,645 |
| Pretax return on assets | 0.2151% | 4,640 |
| Return on Equity (ROE) | 1.9786% | 4,567 |
| Retained earnings to average equity (ytd only) | -5.6934% | 4,846 |
| Net charge-offs to loans | 0.3304% | 535 |
| Credit loss provision to net charge-offs | 251.2371% | 1,934 |
| Earnings coverage of net charge-offs (x) | 3.4184% | 3,088 |
| Efficiency ratio | 67.0779% | 2,352 |
| Assets per employee ($millions) | 23.1030% | 69 |
| Cash dividends to net income (ytd only)* | 387.7472% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9424% | 4,064 |
| Loan loss allowance to noncurrent loans | 450.9116% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 3,499 |
| Noncurrent loans to loans | 0.2090% | 3,452 |
| Net loans and leases to total assets | 73.7879% | 1,054 |
| Net loans and leases to deposits | 85.5233% | 1,290 |
| Net loans and leases to core deposits | 98.7157% | 975 |
| Total domestic deposits to total assets | 86.2782% | 2,239 |
| Equity capital to assets | 9.6930% | 3,416 |
| Core capital (leverage) ratio | 8.4348% | 4,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3085% | 3,047 |
| Memoranda: | ||
| Average total assets | $1,350,832,600 | 679 |
| Average earning assets | $1,259,534,800 | 669 |
| Average equity | $130,343,800 | 766 |
| Average total loans | $966,441,600 | 667 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1173% | 4,655 |
| Cost of funding earning assets | 0.7741% | 1,613 |
| Net interest margin | 2.3432% | 4,759 |
| Noninterest income to average assets | 0.3521% | 3,349 |
| Noninterest expense to average assets | 1.7359% | 4,582 |
| Loan and lease loss provision to assets | 0.7822% | 236 |
| Net operating income to assets | 0.0465% | 4,741 |
| Return on assets (ROA) | 0.0478% | 4,764 |
| Pretax return on assets | 0.0166% | 4,776 |
| Return on Equity (ROE) | 0.4959% | 4,753 |
| Retained earnings to average equity (ytd only) | -9.8574% | 4,928 |
| Net charge-offs to loans | 0.4499% | 343 |
| Credit loss provision to net charge-offs | 245.6597% | 1,937 |
| Earnings coverage of net charge-offs (x) | 2.5045% | 2,984 |
| Efficiency ratio | 67.9428% | 2,200 |
| Assets per employee ($millions) | 21.6670% | 71 |
| Cash dividends to net income (ytd only)* | 2,087.6827% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9946% | 3,728 |
| Loan loss allowance to noncurrent loans | 237.1094% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.2864% | 3,021 |
| Noncurrent loans to loans | 0.4194% | 2,802 |
| Net loans and leases to total assets | 67.6080% | 2,296 |
| Net loans and leases to deposits | 77.6359% | 2,568 |
| Net loans and leases to core deposits | 89.8747% | 1,987 |
| Total domestic deposits to total assets | 87.0834% | 1,634 |
| Equity capital to assets | 8.8741% | 4,201 |
| Core capital (leverage) ratio | 7.8648% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4937% | 3,036 |
| Memoranda: | ||
| Average total assets | $1,336,220,500 | 668 |
| Average earning assets | $1,243,870,500 | 659 |
| Average equity | $128,779,250 | 761 |
| Average total loans | $945,609,000 | 674 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3492% | 4,593 |
| Cost of funding earning assets | 0.8764% | 1,475 |
| Net interest margin | 2.4728% | 4,750 |
| Noninterest income to average assets | 0.3493% | 3,385 |
| Noninterest expense to average assets | 1.7452% | 4,635 |
| Loan and lease loss provision to assets | 1.2687% | 129 |
| Net operating income to assets | -0.2683% | 4,872 |
| Return on assets (ROA) | -0.2667% | 4,871 |
| Pretax return on assets | -0.3617% | 4,874 |
| Return on Equity (ROE) | -2.6892% | 4,887 |
| Retained earnings to average equity (ytd only) | -18.1446% | 5,002 |
| Net charge-offs to loans | 0.7052% | 219 |
| Credit loss provision to net charge-offs | 251.0006% | 1,748 |
| Earnings coverage of net charge-offs (x) | 1.7905% | 2,824 |
| Efficiency ratio | 65.2498% | 2,622 |
| Assets per employee ($millions) | 21.5764% | 73 |
| Cash dividends to net income (ytd only)* | -574.7126% | 5,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,446 |
| Loan loss allowance to noncurrent loans | 376.5654% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 3,597 |
| Noncurrent loans to loans | 0.2720% | 3,412 |
| Net loans and leases to total assets | 68.1484% | 2,325 |
| Net loans and leases to deposits | 78.3509% | 2,616 |
| Net loans and leases to core deposits | 91.6823% | 1,932 |
| Total domestic deposits to total assets | 86.9785% | 1,625 |
| Equity capital to assets | 8.7853% | 4,278 |
| Core capital (leverage) ratio | 8.1506% | 4,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3487% | 3,114 |
| Memoranda: | ||
| Average total assets | $1,304,953,000 | 668 |
| Average earning assets | $1,214,247,667 | 659 |
| Average equity | $129,405,000 | 758 |
| Average total loans | $935,304,667 | 669 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8020% | 4,230 |
| Cost of funding earning assets | 1.0278% | 1,303 |
| Net interest margin | 2.7742% | 4,594 |
| Noninterest income to average assets | 0.6751% | 1,752 |
| Noninterest expense to average assets | 1.7867% | 4,683 |
| Loan and lease loss provision to assets | 1.1855% | 154 |
| Net operating income to assets | 0.1968% | 4,534 |
| Return on assets (ROA) | 0.2001% | 4,543 |
| Pretax return on assets | 0.2704% | 4,495 |
| Return on Equity (ROE) | 1.8943% | 4,467 |
| Retained earnings to average equity (ytd only) | -28.5114% | 5,035 |
| Net charge-offs to loans | 0.0140% | 2,102 |
| Credit loss provision to net charge-offs | 11,534.3750% | 67 |
| Earnings coverage of net charge-offs (x) | 141.2500% | 448 |
| Efficiency ratio | 54.6564% | 4,339 |
| Assets per employee ($millions) | 19.0574% | 73 |
| Cash dividends to net income (ytd only)* | 1,605.1364% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 3,929 |
| Loan loss allowance to noncurrent loans | 107.5453% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6352% | 2,094 |
| Noncurrent loans to loans | 0.8839% | 1,847 |
| Net loans and leases to total assets | 71.1862% | 2,053 |
| Net loans and leases to deposits | 83.1098% | 2,322 |
| Net loans and leases to core deposits | 96.1721% | 1,776 |
| Total domestic deposits to total assets | 85.6532% | 2,148 |
| Equity capital to assets | 9.9825% | 3,805 |
| Core capital (leverage) ratio | 9.1505% | 4,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2537% | 3,286 |
| Memoranda: | ||
| Average total assets | $1,245,408,500 | 666 |
| Average earning assets | $1,150,761,000 | 663 |
| Average equity | $131,554,500 | 742 |
| Average total loans | $912,704,500 | 660 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3148% | 3,494 |
| Cost of funding earning assets | 1.1614% | 1,121 |
| Net interest margin | 3.1534% | 4,281 |
| Noninterest income to average assets | 0.4390% | 3,060 |
| Noninterest expense to average assets | 1.8626% | 4,703 |
| Loan and lease loss provision to assets | 0.0900% | 2,222 |
| Net operating income to assets | 1.0464% | 2,669 |
| Return on assets (ROA) | 1.0535% | 2,738 |
| Pretax return on assets | 1.4137% | 2,104 |
| Return on Equity (ROE) | 9.7928% | 2,395 |
| Retained earnings to average equity (ytd only) | 5.9322% | 1,899 |
| Net charge-offs to loans | 0.1826% | 1,098 |
| Credit loss provision to net charge-offs | 65.6970% | 2,971 |
| Earnings coverage of net charge-offs (x) | 10.9067% | 2,541 |
| Efficiency ratio | 54.8650% | 4,332 |
| Assets per employee ($millions) | 18.1190% | 80 |
| Cash dividends to net income (ytd only)* | 39.4228% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5322% | 4,851 |
| Loan loss allowance to noncurrent loans | 186.0223% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 3,607 |
| Noncurrent loans to loans | 0.2861% | 3,418 |
| Net loans and leases to total assets | 74.3771% | 1,685 |
| Net loans and leases to deposits | 88.6224% | 1,756 |
| Net loans and leases to core deposits | 102.5009% | 1,357 |
| Total domestic deposits to total assets | 83.9258% | 2,865 |
| Equity capital to assets | 11.1739% | 2,841 |
| Core capital (leverage) ratio | 9.8114% | 3,721 |
| Tier 1 risk-based capital ratio | 11.5658% | 4,591 |
| Total risk-based capital ratio | 12.0435% | 4,836 |
| Memoranda: | ||
| Average total assets | $1,203,933,200 | 658 |
| Average earning assets | $1,114,224,600 | 653 |
| Average equity | $129,513,600 | 711 |
| Average total loans | $903,546,200 | 640 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4136% | 3,307 |
| Cost of funding earning assets | 1.1601% | 1,135 |
| Net interest margin | 3.2535% | 4,174 |
| Noninterest income to average assets | 0.3816% | 3,427 |
| Noninterest expense to average assets | 1.8359% | 4,774 |
| Loan and lease loss provision to assets | 0.0310% | 3,283 |
| Net operating income to assets | 1.1276% | 2,464 |
| Return on assets (ROA) | 1.1352% | 2,521 |
| Pretax return on assets | 1.5237% | 1,890 |
| Return on Equity (ROE) | 10.6566% | 2,153 |
| Retained earnings to average equity (ytd only) | 5.4476% | 2,647 |
| Net charge-offs to loans | 0.0932% | 1,542 |
| Credit loss provision to net charge-offs | 44.2155% | 2,827 |
| Earnings coverage of net charge-offs (x) | 22.0634% | 1,883 |
| Efficiency ratio | 53.6649% | 4,427 |
| Assets per employee ($millions) | 18.2083% | 72 |
| Cash dividends to net income (ytd only)* | 48.8806% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5540% | 4,891 |
| Loan loss allowance to noncurrent loans | 52.2419% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 0.8448% | 1,629 |
| Noncurrent loans to loans | 1.0605% | 1,508 |
| Net loans and leases to total assets | 74.2306% | 1,769 |
| Net loans and leases to deposits | 87.0219% | 2,058 |
| Net loans and leases to core deposits | 102.3195% | 1,472 |
| Total domestic deposits to total assets | 85.3011% | 2,293 |
| Equity capital to assets | 10.9402% | 3,150 |
| Core capital (leverage) ratio | 9.5695% | 4,092 |
| Tier 1 risk-based capital ratio | 11.2035% | 4,823 |
| Total risk-based capital ratio | 11.6968% | 5,018 |
| Memoranda: | ||
| Average total assets | $1,201,423,250 | 662 |
| Average earning assets | $1,107,550,750 | 657 |
| Average equity | $127,980,000 | 711 |
| Average total loans | $902,495,500 | 641 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 3,263 |
| Cost of funding earning assets | 1.1409% | 1,158 |
| Net interest margin | 3.2846% | 4,172 |
| Noninterest income to average assets | 0.3726% | 3,451 |
| Noninterest expense to average assets | 1.8353% | 4,833 |
| Loan and lease loss provision to assets | 0.0576% | 2,671 |
| Net operating income to assets | 1.1148% | 2,465 |
| Return on assets (ROA) | 1.1201% | 2,519 |
| Pretax return on assets | 1.5045% | 1,845 |
| Return on Equity (ROE) | 10.6127% | 2,135 |
| Retained earnings to average equity (ytd only) | 2.6857% | 3,855 |
| Net charge-offs to loans | 0.1269% | 1,182 |
| Credit loss provision to net charge-offs | 60.2452% | 2,401 |
| Earnings coverage of net charge-offs (x) | 16.2785% | 1,938 |
| Efficiency ratio | 53.4620% | 4,521 |
| Assets per employee ($millions) | 17.2785% | 75 |
| Cash dividends to net income (ytd only)* | 74.6938% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5679% | 4,926 |
| Loan loss allowance to noncurrent loans | 307.0071% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 3,291 |
| Noncurrent loans to loans | 0.1850% | 3,894 |
| Net loans and leases to total assets | 73.7921% | 1,926 |
| Net loans and leases to deposits | 85.8908% | 2,266 |
| Net loans and leases to core deposits | 102.4811% | 1,518 |
| Total domestic deposits to total assets | 85.9139% | 2,081 |
| Equity capital to assets | 10.5208% | 3,499 |
| Core capital (leverage) ratio | 9.5772% | 4,071 |
| Tier 1 risk-based capital ratio | 10.9457% | 4,937 |
| Total risk-based capital ratio | 11.4557% | 5,120 |
| Memoranda: | ||
| Average total assets | $1,195,245,000 | 665 |
| Average earning assets | $1,098,209,330 | 663 |
| Average equity | $126,151,330 | 715 |
| Average total loans | $899,785,000 | 643 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4594% | 3,014 |
| Cost of funding earning assets | 1.1168% | 1,134 |
| Net interest margin | 3.3426% | 4,053 |
| Noninterest income to average assets | 0.4161% | 3,073 |
| Noninterest expense to average assets | 1.7937% | 4,930 |
| Loan and lease loss provision to assets | 0.0905% | 1,900 |
| Net operating income to assets | 1.1968% | 2,069 |
| Return on assets (ROA) | 1.1954% | 2,121 |
| Pretax return on assets | 1.5905% | 1,493 |
| Return on Equity (ROE) | 11.3077% | 1,820 |
| Retained earnings to average equity (ytd only) | 11.3077% | 747 |
| Net charge-offs to loans | 0.0416% | 1,678 |
| Credit loss provision to net charge-offs | 287.0968% | 852 |
| Earnings coverage of net charge-offs (x) | 53.3548% | 985 |
| Efficiency ratio | 50.9219% | 4,765 |
| Assets per employee ($millions) | 17.4465% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6057% | 4,926 |
| Loan loss allowance to noncurrent loans | 185.6714% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 3,003 |
| Noncurrent loans to loans | 0.3262% | 3,397 |
| Net loans and leases to total assets | 75.9516% | 1,488 |
| Net loans and leases to deposits | 89.2493% | 1,722 |
| Net loans and leases to core deposits | 108.9090% | 991 |
| Total domestic deposits to total assets | 85.1005% | 2,649 |
| Equity capital to assets | 10.5877% | 3,262 |
| Core capital (leverage) ratio | 9.6569% | 3,964 |
| Tier 1 risk-based capital ratio | 10.7646% | 5,083 |
| Total risk-based capital ratio | 11.3058% | 5,232 |
| Memoranda: | ||
| Average total assets | $1,179,481,000 | 676 |
| Average earning assets | $1,079,888,000 | 672 |
| Average equity | $124,694,000 | 725 |
| Average total loans | $894,461,500 | 646 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1828% | 3,484 |
| Cost of funding earning assets | 0.7989% | 1,527 |
| Net interest margin | 3.3839% | 4,038 |
| Noninterest income to average assets | 0.5460% | 2,576 |
| Noninterest expense to average assets | 1.9327% | 4,844 |
| Loan and lease loss provision to assets | 0.1806% | 1,087 |
| Net operating income to assets | 1.1883% | 2,228 |
| Return on assets (ROA) | 1.1840% | 2,241 |
| Pretax return on assets | 1.5595% | 1,593 |
| Return on Equity (ROE) | 11.0413% | 2,067 |
| Retained earnings to average equity (ytd only) | 2.2210% | 4,273 |
| Net charge-offs to loans | 0.3079% | 630 |
| Credit loss provision to net charge-offs | 77.5029% | 2,904 |
| Earnings coverage of net charge-offs (x) | 7.4909% | 2,988 |
| Efficiency ratio | 52.0069% | 4,797 |
| Assets per employee ($millions) | 17.7716% | 62 |
| Cash dividends to net income (ytd only)* | 79.8844% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6211% | 4,938 |
| Loan loss allowance to noncurrent loans | 227.0930% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3497% | 3,150 |
| Noncurrent loans to loans | 0.2735% | 3,594 |
| Net loans and leases to total assets | 74.7642% | 1,803 |
| Net loans and leases to deposits | 89.6639% | 1,839 |
| Net loans and leases to core deposits | 107.9459% | 1,120 |
| Total domestic deposits to total assets | 83.3827% | 3,200 |
| Equity capital to assets | 10.5555% | 3,123 |
| Core capital (leverage) ratio | 9.4848% | 4,127 |
| Tier 1 risk-based capital ratio | 10.8175% | 5,059 |
| Total risk-based capital ratio | 11.3626% | 5,221 |
| Memoranda: | ||
| Average total assets | $1,110,165,600 | 695 |
| Average earning assets | $1,027,592,600 | 688 |
| Average equity | $119,043,800 | 725 |
| Average total loans | $840,324,200 | 663 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0912% | 3,666 |
| Cost of funding earning assets | 0.7123% | 1,786 |
| Net interest margin | 3.3789% | 4,068 |
| Noninterest income to average assets | 0.5503% | 2,568 |
| Noninterest expense to average assets | 1.9197% | 4,875 |
| Loan and lease loss provision to assets | 0.2161% | 774 |
| Net operating income to assets | 1.1844% | 2,293 |
| Return on assets (ROA) | 1.1776% | 2,334 |
| Pretax return on assets | 1.5427% | 1,761 |
| Return on Equity (ROE) | 10.9371% | 2,205 |
| Retained earnings to average equity (ytd only) | -0.8947% | 5,129 |
| Net charge-offs to loans | 0.3079% | 540 |
| Credit loss provision to net charge-offs | 92.5676% | 2,393 |
| Earnings coverage of net charge-offs (x) | 7.5712% | 2,794 |
| Efficiency ratio | 51.5219% | 4,852 |
| Assets per employee ($millions) | 20.2698% | 51 |
| Cash dividends to net income (ytd only)* | 108.1805% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6745% | 4,924 |
| Loan loss allowance to noncurrent loans | 135.2096% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 2,443 |
| Noncurrent loans to loans | 0.4988% | 2,894 |
| Net loans and leases to total assets | 74.3963% | 1,921 |
| Net loans and leases to deposits | 86.4687% | 2,325 |
| Net loans and leases to core deposits | 104.3663% | 1,430 |
| Total domestic deposits to total assets | 86.0383% | 2,172 |
| Equity capital to assets | 10.0992% | 3,544 |
| Core capital (leverage) ratio | 9.3222% | 4,371 |
| Tier 1 risk-based capital ratio | 10.5139% | 5,235 |
| Total risk-based capital ratio | 11.1040% | 5,363 |
| Memoranda: | ||
| Average total assets | $1,098,918,750 | 697 |
| Average earning assets | $1,020,137,500 | 688 |
| Average equity | $118,321,750 | 722 |
| Average total loans | $833,145,500 | 666 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 3,663 |
| Cost of funding earning assets | 0.6205% | 2,104 |
| Net interest margin | 3.4157% | 3,907 |
| Noninterest income to average assets | 0.6170% | 2,237 |
| Noninterest expense to average assets | 1.9585% | 4,863 |
| Loan and lease loss provision to assets | 0.0444% | 3,010 |
| Net operating income to assets | 1.3473% | 1,608 |
| Return on assets (ROA) | 1.3369% | 1,653 |
| Pretax return on assets | 1.7689% | 1,036 |
| Return on Equity (ROE) | 12.1480% | 1,674 |
| Retained earnings to average equity (ytd only) | 2.0527% | 4,439 |
| Net charge-offs to loans | -0.1544% | 5,279 |
| Credit loss provision to net charge-offs | -37.7953% | 3,993 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1766% | 4,954 |
| Assets per employee ($millions) | 17.7467% | 61 |
| Cash dividends to net income (ytd only)* | 83.1025% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8254% | 4,621 |
| Loan loss allowance to noncurrent loans | 138.0387% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 2,106 |
| Noncurrent loans to loans | 0.5979% | 2,625 |
| Net loans and leases to total assets | 73.6722% | 2,000 |
| Net loans and leases to deposits | 86.3272% | 2,278 |
| Net loans and leases to core deposits | 105.3834% | 1,287 |
| Total domestic deposits to total assets | 85.3407% | 2,550 |
| Equity capital to assets | 10.7060% | 2,925 |
| Core capital (leverage) ratio | 9.7407% | 3,848 |
| Tier 1 risk-based capital ratio | 11.1061% | 5,001 |
| Total risk-based capital ratio | 11.8240% | 5,140 |
| Memoranda: | ||
| Average total assets | $1,080,099,000 | 710 |
| Average earning assets | $1,001,789,330 | 703 |
| Average equity | $118,867,670 | 716 |
| Average total loans | $822,395,670 | 669 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9015% | 3,917 |
| Cost of funding earning assets | 0.5532% | 2,380 |
| Net interest margin | 3.3483% | 4,057 |
| Noninterest income to average assets | 0.6242% | 2,154 |
| Noninterest expense to average assets | 1.8742% | 5,063 |
| Loan and lease loss provision to assets | 0.1730% | 1,014 |
| Net operating income to assets | 1.3005% | 1,638 |
| Return on assets (ROA) | 1.2794% | 1,719 |
| Pretax return on assets | 1.6533% | 1,233 |
| Return on Equity (ROE) | 11.4611% | 1,785 |
| Retained earnings to average equity (ytd only) | -8.8002% | 5,328 |
| Net charge-offs to loans | 0.1207% | 1,061 |
| Credit loss provision to net charge-offs | 185.8300% | 1,092 |
| Earnings coverage of net charge-offs (x) | 19.9028% | 1,489 |
| Efficiency ratio | 49.6966% | 5,101 |
| Assets per employee ($millions) | 17.6748% | 62 |
| Cash dividends to net income (ytd only)* | 176.7826% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7494% | 4,920 |
| Loan loss allowance to noncurrent loans | 89.5056% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 1,739 |
| Noncurrent loans to loans | 0.8373% | 2,145 |
| Net loans and leases to total assets | 76.0609% | 1,533 |
| Net loans and leases to deposits | 91.8926% | 1,463 |
| Net loans and leases to core deposits | 112.0650% | 887 |
| Total domestic deposits to total assets | 82.7715% | 3,734 |
| Equity capital to assets | 10.7771% | 2,795 |
| Core capital (leverage) ratio | 9.8842% | 3,668 |
| Tier 1 risk-based capital ratio | 10.8325% | 5,231 |
| Total risk-based capital ratio | 11.4890% | 5,357 |
| Memoranda: | ||
| Average total assets | $1,061,126,000 | 723 |
| Average earning assets | $983,410,000 | 721 |
| Average equity | $118,452,500 | 722 |
| Average total loans | $818,322,000 | 675 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 4,294 |
| Cost of funding earning assets | 0.4980% | 2,348 |
| Net interest margin | 3.2192% | 4,396 |
| Noninterest income to average assets | 0.6253% | 2,331 |
| Noninterest expense to average assets | 2.1093% | 4,742 |
| Loan and lease loss provision to assets | 0.2054% | 999 |
| Net operating income to assets | 0.7722% | 3,292 |
| Return on assets (ROA) | 0.7725% | 3,332 |
| Pretax return on assets | 1.2727% | 2,458 |
| Return on Equity (ROE) | 6.8678% | 3,345 |
| Retained earnings to average equity (ytd only) | 1.8579% | 4,201 |
| Net charge-offs to loans | 0.1694% | 1,457 |
| Credit loss provision to net charge-offs | 157.7922% | 1,696 |
| Earnings coverage of net charge-offs (x) | 11.3514% | 2,580 |
| Efficiency ratio | 58.1184% | 4,512 |
| Assets per employee ($millions) | 16.5729% | 71 |
| Cash dividends to net income (ytd only)* | 72.9483% | 1,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7380% | 4,983 |
| Loan loss allowance to noncurrent loans | 75.3844% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 1.0876% | 1,401 |
| Noncurrent loans to loans | 0.9790% | 1,809 |
| Net loans and leases to total assets | 77.0442% | 1,421 |
| Net loans and leases to deposits | 91.3545% | 1,607 |
| Net loans and leases to core deposits | 112.1007% | 894 |
| Total domestic deposits to total assets | 84.3355% | 3,087 |
| Equity capital to assets | 11.5613% | 2,146 |
| Core capital (leverage) ratio | 10.1333% | 3,264 |
| Tier 1 risk-based capital ratio | 11.2780% | 5,001 |
| Total risk-based capital ratio | 11.9221% | 5,197 |
| Memoranda: | ||
| Average total assets | $1,064,723,800 | 694 |
| Average earning assets | $979,538,000 | 695 |
| Average equity | $119,761,400 | 685 |
| Average total loans | $818,402,200 | 644 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6546% | 4,435 |
| Cost of funding earning assets | 0.4884% | 2,366 |
| Net interest margin | 3.1662% | 4,546 |
| Noninterest income to average assets | 0.6528% | 2,195 |
| Noninterest expense to average assets | 2.1181% | 4,695 |
| Loan and lease loss provision to assets | 0.2343% | 772 |
| Net operating income to assets | 0.7643% | 3,672 |
| Return on assets (ROA) | 0.7647% | 3,730 |
| Pretax return on assets | 1.2132% | 2,846 |
| Return on Equity (ROE) | 6.8448% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.8448% | 1,774 |
| Net charge-offs to loans | 0.2189% | 992 |
| Credit loss provision to net charge-offs | 139.5694% | 1,781 |
| Earnings coverage of net charge-offs (x) | 8.6191% | 2,759 |
| Efficiency ratio | 58.7045% | 4,403 |
| Assets per employee ($millions) | 18.1491% | 58 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6830% | 5,175 |
| Loan loss allowance to noncurrent loans | 106.7838% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 2,060 |
| Noncurrent loans to loans | 0.6396% | 2,797 |
| Net loans and leases to total assets | 76.2987% | 1,537 |
| Net loans and leases to deposits | 88.3696% | 2,006 |
| Net loans and leases to core deposits | 111.6221% | 941 |
| Total domestic deposits to total assets | 86.3404% | 2,154 |
| Equity capital to assets | 11.4394% | 2,432 |
| Core capital (leverage) ratio | 10.1418% | 3,388 |
| Tier 1 risk-based capital ratio | 11.2669% | 5,097 |
| Total risk-based capital ratio | 11.8605% | 5,343 |
| Memoranda: | ||
| Average total assets | $1,069,882,000 | 696 |
| Average earning assets | $984,051,500 | 692 |
| Average equity | $119,524,000 | 690 |
| Average total loans | $820,404,500 | 642 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5543% | 4,625 |
| Cost of funding earning assets | 0.4610% | 2,497 |
| Net interest margin | 3.0933% | 4,704 |
| Noninterest income to average assets | 0.6640% | 2,149 |
| Noninterest expense to average assets | 2.1491% | 4,673 |
| Loan and lease loss provision to assets | 0.2986% | 517 |
| Net operating income to assets | 0.6781% | 3,945 |
| Return on assets (ROA) | 0.6785% | 4,011 |
| Pretax return on assets | 1.0601% | 3,341 |
| Return on Equity (ROE) | 6.1234% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.1234% | 2,046 |
| Net charge-offs to loans | 0.1180% | 1,462 |
| Credit loss provision to net charge-offs | 330.1455% | 899 |
| Earnings coverage of net charge-offs (x) | 15.0146% | 2,041 |
| Efficiency ratio | 60.5147% | 4,239 |
| Assets per employee ($millions) | 17.5371% | 62 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7372% | 5,118 |
| Loan loss allowance to noncurrent loans | 110.1541% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8551% | 2,069 |
| Noncurrent loans to loans | 0.6692% | 2,745 |
| Net loans and leases to total assets | 76.6847% | 1,431 |
| Net loans and leases to deposits | 88.4024% | 1,935 |
| Net loans and leases to core deposits | 113.1148% | 843 |
| Total domestic deposits to total assets | 86.7449% | 2,070 |
| Equity capital to assets | 11.0467% | 2,754 |
| Core capital (leverage) ratio | 9.9580% | 3,585 |
| Tier 1 risk-based capital ratio | 10.7259% | 5,369 |
| Total risk-based capital ratio | 11.3621% | 5,547 |
| Memoranda: | ||
| Average total assets | $1,063,528,330 | 700 |
| Average earning assets | $977,529,000 | 700 |
| Average equity | $117,842,330 | 704 |
| Average total loans | $815,018,330 | 649 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4458% | 4,840 |
| Cost of funding earning assets | 0.4328% | 2,688 |
| Net interest margin | 3.0130% | 4,862 |
| Noninterest income to average assets | 0.5051% | 2,948 |
| Noninterest expense to average assets | 2.1452% | 4,762 |
| Loan and lease loss provision to assets | 0.0821% | 2,176 |
| Net operating income to assets | 0.6889% | 3,754 |
| Return on assets (ROA) | 0.6889% | 3,790 |
| Pretax return on assets | 1.0601% | 3,131 |
| Return on Equity (ROE) | 6.2070% | 3,809 |
| Retained earnings to average equity (ytd only) | 6.2070% | 2,234 |
| Net charge-offs to loans | 0.0508% | 1,846 |
| Credit loss provision to net charge-offs | 211.8812% | 979 |
| Earnings coverage of net charge-offs (x) | 29.4851% | 1,230 |
| Efficiency ratio | 64.4149% | 3,767 |
| Assets per employee ($millions) | 17.6267% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6528% | 5,398 |
| Loan loss allowance to noncurrent loans | 68.8929% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9916% | 1,841 |
| Noncurrent loans to loans | 0.9476% | 2,147 |
| Net loans and leases to total assets | 76.2921% | 1,364 |
| Net loans and leases to deposits | 87.9113% | 1,814 |
| Net loans and leases to core deposits | 112.9397% | 731 |
| Total domestic deposits to total assets | 86.7830% | 2,318 |
| Equity capital to assets | 11.0445% | 2,587 |
| Core capital (leverage) ratio | 10.0785% | 3,405 |
| Tier 1 risk-based capital ratio | 10.7415% | 5,443 |
| Total risk-based capital ratio | 11.3021% | 5,647 |
| Memoranda: | ||
| Average total assets | $1,042,873,000 | 719 |
| Average earning assets | $963,028,000 | 714 |
| Average equity | $115,739,500 | 714 |
| Average total loans | $795,760,500 | 663 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6446% | 4,391 |
| Cost of funding earning assets | 0.4802% | 2,257 |
| Net interest margin | 3.1644% | 4,550 |
| Noninterest income to average assets | 0.8913% | 1,440 |
| Noninterest expense to average assets | 2.3549% | 4,406 |
| Loan and lease loss provision to assets | 0.1459% | 1,707 |
| Net operating income to assets | 0.7191% | 3,695 |
| Return on assets (ROA) | 0.7690% | 3,554 |
| Pretax return on assets | 1.2426% | 2,502 |
| Return on Equity (ROE) | 7.1596% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.1596% | 1,166 |
| Net charge-offs to loans | 0.0904% | 2,406 |
| Credit loss provision to net charge-offs | 218.8563% | 1,306 |
| Earnings coverage of net charge-offs (x) | 19.6646% | 1,901 |
| Efficiency ratio | 63.3160% | 4,057 |
| Assets per employee ($millions) | 16.5830% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6673% | 5,418 |
| Loan loss allowance to noncurrent loans | 59.4400% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 1.1290% | 1,639 |
| Noncurrent loans to loans | 1.1227% | 1,835 |
| Net loans and leases to total assets | 75.2960% | 1,634 |
| Net loans and leases to deposits | 85.9225% | 2,184 |
| Net loans and leases to core deposits | 115.0527% | 656 |
| Total domestic deposits to total assets | 87.6325% | 1,819 |
| Equity capital to assets | 11.1534% | 2,474 |
| Core capital (leverage) ratio | 9.9573% | 3,539 |
| Tier 1 risk-based capital ratio | 10.9036% | 5,391 |
| Total risk-based capital ratio | 11.4716% | 5,629 |
| Memoranda: | ||
| Average total assets | $970,828,600 | 743 |
| Average earning assets | $851,093,800 | 768 |
| Average equity | $104,280,000 | 759 |
| Average total loans | $715,733,000 | 707 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 4,175 |
| Cost of funding earning assets | 0.4777% | 2,290 |
| Net interest margin | 3.2442% | 4,366 |
| Noninterest income to average assets | 0.9009% | 1,399 |
| Noninterest expense to average assets | 2.3926% | 4,302 |
| Loan and lease loss provision to assets | 0.1253% | 1,860 |
| Net operating income to assets | 0.7347% | 3,670 |
| Return on assets (ROA) | 0.7968% | 3,521 |
| Pretax return on assets | 1.2859% | 2,489 |
| Return on Equity (ROE) | 7.4951% | 3,301 |
| Retained earnings to average equity (ytd only) | 7.4951% | 1,403 |
| Net charge-offs to loans | 0.0697% | 2,320 |
| Credit loss provision to net charge-offs | 245.6284% | 1,214 |
| Earnings coverage of net charge-offs (x) | 25.7594% | 1,626 |
| Efficiency ratio | 63.5830% | 3,986 |
| Assets per employee ($millions) | 16.6377% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 5,497 |
| Loan loss allowance to noncurrent loans | 97.2217% | 3,677 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 2,568 |
| Noncurrent loans to loans | 0.6852% | 2,980 |
| Net loans and leases to total assets | 73.0019% | 2,018 |
| Net loans and leases to deposits | 86.1636% | 2,241 |
| Net loans and leases to core deposits | 117.4901% | 595 |
| Total domestic deposits to total assets | 84.7248% | 2,928 |
| Equity capital to assets | 11.4399% | 2,562 |
| Core capital (leverage) ratio | 10.1069% | 3,435 |
| Tier 1 risk-based capital ratio | 11.1610% | 5,280 |
| Total risk-based capital ratio | 11.7264% | 5,555 |
| Memoranda: | ||
| Average total assets | $956,499,000 | 759 |
| Average earning assets | $827,269,500 | 799 |
| Average equity | $101,681,750 | 782 |
| Average total loans | $699,827,500 | 720 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8501% | 3,776 |
| Cost of funding earning assets | 0.4741% | 2,323 |
| Net interest margin | 3.3760% | 3,977 |
| Noninterest income to average assets | 0.8734% | 1,460 |
| Noninterest expense to average assets | 2.4390% | 4,217 |
| Loan and lease loss provision to assets | 0.1838% | 1,185 |
| Net operating income to assets | 0.6879% | 3,857 |
| Return on assets (ROA) | 0.7246% | 3,830 |
| Pretax return on assets | 1.1701% | 2,903 |
| Return on Equity (ROE) | 7.0091% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.0091% | 1,592 |
| Net charge-offs to loans | 0.1224% | 1,615 |
| Credit loss provision to net charge-offs | 205.4893% | 1,274 |
| Earnings coverage of net charge-offs (x) | 14.4964% | 2,055 |
| Efficiency ratio | 64.2820% | 3,966 |
| Assets per employee ($millions) | 15.2708% | 76 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7036% | 5,509 |
| Loan loss allowance to noncurrent loans | 78.4304% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9443% | 2,265 |
| Noncurrent loans to loans | 0.8972% | 2,486 |
| Net loans and leases to total assets | 70.5636% | 2,391 |
| Net loans and leases to deposits | 84.1784% | 2,442 |
| Net loans and leases to core deposits | 111.3720% | 857 |
| Total domestic deposits to total assets | 83.8262% | 3,342 |
| Equity capital to assets | 11.1400% | 2,909 |
| Core capital (leverage) ratio | 9.6687% | 3,975 |
| Tier 1 risk-based capital ratio | 10.9260% | 5,462 |
| Total risk-based capital ratio | 11.5265% | 5,687 |
| Memoranda: | ||
| Average total assets | $937,032,670 | 768 |
| Average earning assets | $794,374,330 | 840 |
| Average equity | $96,874,670 | 819 |
| Average total loans | $684,482,000 | 730 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8240% | 3,861 |
| Cost of funding earning assets | 0.4422% | 2,664 |
| Net interest margin | 3.3817% | 3,931 |
| Noninterest income to average assets | 0.7543% | 1,807 |
| Noninterest expense to average assets | 2.3445% | 4,534 |
| Loan and lease loss provision to assets | 0.0811% | 2,336 |
| Net operating income to assets | 0.7924% | 3,283 |
| Return on assets (ROA) | 0.8385% | 3,176 |
| Pretax return on assets | 1.3563% | 2,066 |
| Return on Equity (ROE) | 8.4600% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.4600% | 1,279 |
| Net charge-offs to loans | 0.1107% | 1,465 |
| Credit loss provision to net charge-offs | 98.9362% | 1,685 |
| Earnings coverage of net charge-offs (x) | 16.6489% | 1,609 |
| Efficiency ratio | 62.1355% | 4,425 |
| Assets per employee ($millions) | 13.5858% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6383% | 5,689 |
| Loan loss allowance to noncurrent loans | 77.4261% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0708% | 2,063 |
| Noncurrent loans to loans | 0.8244% | 2,776 |
| Net loans and leases to total assets | 74.3301% | 1,680 |
| Net loans and leases to deposits | 91.3760% | 1,421 |
| Net loans and leases to core deposits | 122.7533% | 394 |
| Total domestic deposits to total assets | 81.3453% | 4,392 |
| Equity capital to assets | 10.0013% | 4,084 |
| Core capital (leverage) ratio | 8.6487% | 5,237 |
| Tier 1 risk-based capital ratio | 9.4503% | 6,012 |
| Total risk-based capital ratio | 10.2295% | 6,052 |
| Memoranda: | ||
| Average total assets | $916,882,000 | 790 |
| Average earning assets | $801,368,000 | 834 |
| Average equity | $90,874,500 | 874 |
| Average total loans | $679,458,500 | 736 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6262% | 4,600 |
| Cost of funding earning assets | 0.4066% | 3,083 |
| Net interest margin | 3.2196% | 4,557 |
| Noninterest income to average assets | 0.4488% | 3,681 |
| Noninterest expense to average assets | 2.3199% | 4,728 |
| Loan and lease loss provision to assets | 0.2268% | 895 |
| Net operating income to assets | 0.4711% | 4,808 |
| Return on assets (ROA) | 0.4727% | 4,879 |
| Pretax return on assets | 0.7576% | 4,343 |
| Return on Equity (ROE) | 4.6158% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.6158% | 2,697 |
| Net charge-offs to loans | 0.0204% | 3,854 |
| Credit loss provision to net charge-offs | 1,485.9375% | 232 |
| Earnings coverage of net charge-offs (x) | 64.3281% | 831 |
| Efficiency ratio | 69.4497% | 3,315 |
| Assets per employee ($millions) | 12.1127% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7350% | 5,570 |
| Loan loss allowance to noncurrent loans | 103.4011% | 3,617 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 1,658 |
| Noncurrent loans to loans | 0.7109% | 3,056 |
| Net loans and leases to total assets | 72.8316% | 1,914 |
| Net loans and leases to deposits | 88.0452% | 1,871 |
| Net loans and leases to core deposits | 119.2324% | 496 |
| Total domestic deposits to total assets | 82.7207% | 3,937 |
| Equity capital to assets | 9.8171% | 4,173 |
| Core capital (leverage) ratio | 8.4246% | 5,495 |
| Tier 1 risk-based capital ratio | 9.4159% | 6,058 |
| Total risk-based capital ratio | 11.4080% | 5,836 |
| Memoranda: | ||
| Average total assets | $838,734,400 | 826 |
| Average earning assets | $743,204,400 | 857 |
| Average equity | $85,900,200 | 887 |
| Average total loans | $626,301,400 | 747 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6494% | 4,578 |
| Cost of funding earning assets | 0.4056% | 3,170 |
| Net interest margin | 3.2438% | 4,546 |
| Noninterest income to average assets | 0.3584% | 4,376 |
| Noninterest expense to average assets | 2.3603% | 4,620 |
| Loan and lease loss provision to assets | 0.2323% | 779 |
| Net operating income to assets | 0.3946% | 5,179 |
| Return on assets (ROA) | 0.3968% | 5,268 |
| Pretax return on assets | 0.6360% | 4,881 |
| Return on Equity (ROE) | 3.8308% | 5,097 |
| Retained earnings to average equity (ytd only) | 3.8308% | 3,750 |
| Net charge-offs to loans | 0.0121% | 3,752 |
| Credit loss provision to net charge-offs | 2,564.2857% | 140 |
| Earnings coverage of net charge-offs (x) | 95.4883% | 652 |
| Efficiency ratio | 72.4022% | 2,810 |
| Assets per employee ($millions) | 10.9349% | 201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7151% | 5,696 |
| Loan loss allowance to noncurrent loans | 111.1138% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 1,490 |
| Noncurrent loans to loans | 0.6436% | 3,390 |
| Net loans and leases to total assets | 74.6825% | 1,609 |
| Net loans and leases to deposits | 91.4413% | 1,471 |
| Net loans and leases to core deposits | 126.1487% | 335 |
| Total domestic deposits to total assets | 81.6726% | 4,266 |
| Equity capital to assets | 10.3218% | 3,785 |
| Core capital (leverage) ratio | 8.6489% | 5,412 |
| Tier 1 risk-based capital ratio | 9.7917% | 6,082 |
| Total risk-based capital ratio | 11.1650% | 6,026 |
| Memoranda: | ||
| Average total assets | $824,332,500 | 855 |
| Average earning assets | $728,499,500 | 879 |
| Average equity | $85,376,500 | 896 |
| Average total loans | $618,463,250 | 765 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6206% | 4,663 |
| Cost of funding earning assets | 0.3977% | 3,300 |
| Net interest margin | 3.2230% | 4,592 |
| Noninterest income to average assets | 0.3414% | 4,511 |
| Noninterest expense to average assets | 2.4014% | 4,544 |
| Loan and lease loss provision to assets | 0.2776% | 587 |
| Net operating income to assets | 0.3236% | 5,375 |
| Return on assets (ROA) | 0.3260% | 5,463 |
| Pretax return on assets | 0.5200% | 5,178 |
| Return on Equity (ROE) | 3.1438% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.1438% | 4,052 |
| Net charge-offs to loans | -0.0244% | 5,238 |
| Credit loss provision to net charge-offs | -1,514.6667% | 5,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3347% | 2,638 |
| Assets per employee ($millions) | 10.9307% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7110% | 5,794 |
| Loan loss allowance to noncurrent loans | 91.4003% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.5128% | 1,620 |
| Noncurrent loans to loans | 0.7779% | 3,163 |
| Net loans and leases to total assets | 75.4965% | 1,436 |
| Net loans and leases to deposits | 88.2483% | 1,800 |
| Net loans and leases to core deposits | 123.1300% | 389 |
| Total domestic deposits to total assets | 85.5501% | 2,895 |
| Equity capital to assets | 10.3611% | 3,602 |
| Core capital (leverage) ratio | 8.8292% | 5,189 |
| Tier 1 risk-based capital ratio | 9.7249% | 6,157 |
| Total risk-based capital ratio | 11.3099% | 6,018 |
| Memoranda: | ||
| Average total assets | $818,448,000 | 865 |
| Average earning assets | $724,738,000 | 889 |
| Average equity | $84,866,000 | 906 |
| Average total loans | $613,502,670 | 771 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6763% | 4,449 |
| Cost of funding earning assets | 0.4192% | 3,086 |
| Net interest margin | 3.2571% | 4,393 |
| Noninterest income to average assets | 0.3033% | 4,757 |
| Noninterest expense to average assets | 2.4594% | 4,410 |
| Loan and lease loss provision to assets | 0.1815% | 1,054 |
| Net operating income to assets | 0.3225% | 5,333 |
| Return on assets (ROA) | 0.3263% | 5,430 |
| Pretax return on assets | 0.5190% | 5,128 |
| Return on Equity (ROE) | 3.1452% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.1452% | 4,097 |
| Net charge-offs to loans | 0.0716% | 2,007 |
| Credit loss provision to net charge-offs | 340.3670% | 743 |
| Earnings coverage of net charge-offs (x) | 13.0275% | 1,751 |
| Efficiency ratio | 77.1402% | 2,321 |
| Assets per employee ($millions) | 10.6318% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5558% | 6,113 |
| Loan loss allowance to noncurrent loans | 66.0084% | 4,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6001% | 1,603 |
| Noncurrent loans to loans | 0.8420% | 3,141 |
| Net loans and leases to total assets | 75.9702% | 1,214 |
| Net loans and leases to deposits | 89.5560% | 1,434 |
| Net loans and leases to core deposits | 121.2348% | 379 |
| Total domestic deposits to total assets | 84.8298% | 3,488 |
| Equity capital to assets | 10.4372% | 3,601 |
| Core capital (leverage) ratio | 8.8343% | 5,156 |
| Tier 1 risk-based capital ratio | 9.6857% | 6,235 |
| Total risk-based capital ratio | 11.1478% | 6,156 |
| Memoranda: | ||
| Average total assets | $817,770,000 | 866 |
| Average earning assets | $715,719,000 | 900 |
| Average equity | $84,828,500 | 904 |
| Average total loans | $608,576,500 | 770 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 3,774 |
| Cost of funding earning assets | 0.4721% | 2,961 |
| Net interest margin | 3.5139% | 3,739 |
| Noninterest income to average assets | 0.3730% | 4,400 |
| Noninterest expense to average assets | 2.4941% | 4,569 |
| Loan and lease loss provision to assets | -0.0050% | 5,898 |
| Net operating income to assets | 0.5910% | 4,415 |
| Return on assets (ROA) | 0.5932% | 4,486 |
| Pretax return on assets | 0.9683% | 3,620 |
| Return on Equity (ROE) | 5.6763% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.6763% | 2,150 |
| Net charge-offs to loans | -0.0537% | 5,950 |
| Credit loss provision to net charge-offs | 12.6214% | 4,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3629% | 3,317 |
| Assets per employee ($millions) | 10.2112% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5477% | 6,204 |
| Loan loss allowance to noncurrent loans | 40.6293% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 1.9399% | 1,328 |
| Noncurrent loans to loans | 1.3480% | 2,184 |
| Net loans and leases to total assets | 72.0423% | 1,905 |
| Net loans and leases to deposits | 91.2554% | 1,370 |
| Net loans and leases to core deposits | 118.9861% | 436 |
| Total domestic deposits to total assets | 78.9457% | 5,259 |
| Equity capital to assets | 10.3089% | 3,709 |
| Core capital (leverage) ratio | 8.8883% | 5,136 |
| Tier 1 risk-based capital ratio | 10.2966% | 6,182 |
| Total risk-based capital ratio | 11.3002% | 6,196 |
| Memoranda: | ||
| Average total assets | $774,742,600 | 875 |
| Average earning assets | $679,273,600 | 904 |
| Average equity | $80,968,800 | 908 |
| Average total loans | $575,574,800 | 768 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0468% | 3,574 |
| Cost of funding earning assets | 0.4709% | 3,044 |
| Net interest margin | 3.5758% | 3,527 |
| Noninterest income to average assets | 0.3514% | 4,628 |
| Noninterest expense to average assets | 2.5336% | 4,420 |
| Loan and lease loss provision to assets | 0.0269% | 3,869 |
| Net operating income to assets | 0.5666% | 4,606 |
| Return on assets (ROA) | 0.5689% | 4,669 |
| Pretax return on assets | 0.9289% | 3,868 |
| Return on Equity (ROE) | 5.4242% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.4242% | 2,807 |
| Net charge-offs to loans | 0.1780% | 2,027 |
| Credit loss provision to net charge-offs | 20.1835% | 3,577 |
| Earnings coverage of net charge-offs (x) | 7.1520% | 2,970 |
| Efficiency ratio | 71.8154% | 3,220 |
| Assets per employee ($millions) | 9.7655% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 6,238 |
| Loan loss allowance to noncurrent loans | 41.4588% | 5,407 |
| Noncurrent assets plus other real estate owned to assets | 2.1655% | 1,286 |
| Noncurrent loans to loans | 1.4237% | 2,282 |
| Net loans and leases to total assets | 75.2378% | 1,329 |
| Net loans and leases to deposits | 88.9972% | 1,555 |
| Net loans and leases to core deposits | 113.5357% | 600 |
| Total domestic deposits to total assets | 84.5396% | 3,528 |
| Equity capital to assets | 10.5348% | 3,513 |
| Core capital (leverage) ratio | 8.7907% | 5,350 |
| Tier 1 risk-based capital ratio | 10.1510% | 6,312 |
| Total risk-based capital ratio | 11.5097% | 6,244 |
| Memoranda: | ||
| Average total assets | $764,204,750 | 891 |
| Average earning assets | $669,853,250 | 921 |
| Average equity | $80,157,750 | 916 |
| Average total loans | $571,531,000 | 772 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0849% | 3,410 |
| Cost of funding earning assets | 0.4627% | 3,189 |
| Net interest margin | 3.6222% | 3,269 |
| Noninterest income to average assets | 0.3283% | 4,788 |
| Noninterest expense to average assets | 2.5716% | 4,345 |
| Loan and lease loss provision to assets | -0.0712% | 6,335 |
| Net operating income to assets | 0.6130% | 4,294 |
| Return on assets (ROA) | 0.6149% | 4,377 |
| Pretax return on assets | 1.0056% | 3,455 |
| Return on Equity (ROE) | 5.8709% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.8709% | 2,402 |
| Net charge-offs to loans | 0.1508% | 2,183 |
| Credit loss provision to net charge-offs | -63.3803% | 5,198 |
| Earnings coverage of net charge-offs (x) | 8.2934% | 2,514 |
| Efficiency ratio | 72.5275% | 3,238 |
| Assets per employee ($millions) | 9.9116% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6138% | 6,294 |
| Loan loss allowance to noncurrent loans | 41.8670% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 2.4748% | 1,150 |
| Noncurrent loans to loans | 1.4660% | 2,364 |
| Net loans and leases to total assets | 74.1969% | 1,414 |
| Net loans and leases to deposits | 87.7939% | 1,616 |
| Net loans and leases to core deposits | 111.2759% | 637 |
| Total domestic deposits to total assets | 84.5126% | 3,715 |
| Equity capital to assets | 10.3819% | 3,581 |
| Core capital (leverage) ratio | 8.9216% | 5,132 |
| Tier 1 risk-based capital ratio | 9.8852% | 6,428 |
| Total risk-based capital ratio | 11.3606% | 6,321 |
| Memoranda: | ||
| Average total assets | $758,526,330 | 901 |
| Average earning assets | $664,843,330 | 934 |
| Average equity | $79,443,000 | 917 |
| Average total loans | $564,948,670 | 775 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1740% | 2,968 |
| Cost of funding earning assets | 0.4734% | 3,193 |
| Net interest margin | 3.7006% | 2,862 |
| Noninterest income to average assets | 0.3655% | 4,465 |
| Noninterest expense to average assets | 2.6012% | 4,267 |
| Loan and lease loss provision to assets | -0.0188% | 6,418 |
| Net operating income to assets | 0.6416% | 3,988 |
| Return on assets (ROA) | 0.6416% | 4,080 |
| Pretax return on assets | 1.0511% | 3,130 |
| Return on Equity (ROE) | 6.0979% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.0979% | 2,487 |
| Net charge-offs to loans | 0.2003% | 1,537 |
| Credit loss provision to net charge-offs | -12.5899% | 4,679 |
| Earnings coverage of net charge-offs (x) | 6.9281% | 2,178 |
| Efficiency ratio | 70.7626% | 3,692 |
| Assets per employee ($millions) | 9.3999% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7179% | 6,259 |
| Loan loss allowance to noncurrent loans | 46.0550% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 2.9831% | 961 |
| Noncurrent loans to loans | 1.5588% | 2,481 |
| Net loans and leases to total assets | 73.8547% | 1,295 |
| Net loans and leases to deposits | 87.4681% | 1,423 |
| Net loans and leases to core deposits | 101.1496% | 1,026 |
| Total domestic deposits to total assets | 84.4362% | 4,109 |
| Equity capital to assets | 10.5718% | 3,177 |
| Core capital (leverage) ratio | 8.7535% | 5,320 |
| Tier 1 risk-based capital ratio | 10.0080% | 6,476 |
| Total risk-based capital ratio | 11.3577% | 6,416 |
| Memoranda: | ||
| Average total assets | $746,280,000 | 915 |
| Average earning assets | $659,030,500 | 943 |
| Average equity | $78,518,500 | 930 |
| Average total loans | $555,141,000 | 788 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9930% | 4,106 |
| Cost of funding earning assets | 0.5701% | 2,923 |
| Net interest margin | 3.4229% | 4,194 |
| Noninterest income to average assets | 0.4065% | 4,395 |
| Noninterest expense to average assets | 2.2262% | 5,568 |
| Loan and lease loss provision to assets | 0.1867% | 1,976 |
| Net operating income to assets | 0.6058% | 4,240 |
| Return on assets (ROA) | 0.5831% | 4,457 |
| Pretax return on assets | 0.9702% | 3,476 |
| Return on Equity (ROE) | 5.5897% | 4,332 |
| Retained earnings to average equity (ytd only) | 1.6817% | 5,031 |
| Net charge-offs to loans | -0.2158% | 6,624 |
| Credit loss provision to net charge-offs | -114.8829% | 5,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2553% | 4,852 |
| Assets per employee ($millions) | 10.4305% | 203 |
| Cash dividends to net income (ytd only)* | 69.9138% | 1,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8053% | 6,164 |
| Loan loss allowance to noncurrent loans | 46.2228% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 3.7298% | 747 |
| Noncurrent loans to loans | 1.7421% | 2,310 |
| Net loans and leases to total assets | 73.7878% | 1,381 |
| Net loans and leases to deposits | 88.5907% | 1,402 |
| Net loans and leases to core deposits | 99.6650% | 1,181 |
| Total domestic deposits to total assets | 83.2906% | 4,433 |
| Equity capital to assets | 10.4701% | 3,204 |
| Core capital (leverage) ratio | 9.0332% | 4,948 |
| Tier 1 risk-based capital ratio | 10.3433% | 6,416 |
| Total risk-based capital ratio | 11.3839% | 6,439 |
| Memoranda: | ||
| Average total assets | $735,949,600 | 904 |
| Average earning assets | $647,616,200 | 936 |
| Average equity | $76,765,800 | 927 |
| Average total loans | $554,183,000 | 758 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 4,101 |
| Cost of funding earning assets | 0.5847% | 2,952 |
| Net interest margin | 3.4232% | 4,194 |
| Noninterest income to average assets | 0.3266% | 5,075 |
| Noninterest expense to average assets | 2.1963% | 5,614 |
| Loan and lease loss provision to assets | 0.1813% | 2,004 |
| Net operating income to assets | 0.5762% | 4,442 |
| Return on assets (ROA) | 0.5763% | 4,579 |
| Pretax return on assets | 0.9599% | 3,648 |
| Return on Equity (ROE) | 5.5301% | 4,457 |
| Retained earnings to average equity (ytd only) | 0.3065% | 5,846 |
| Net charge-offs to loans | -0.5773% | 6,798 |
| Credit loss provision to net charge-offs | -41.5730% | 5,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8652% | 4,669 |
| Assets per employee ($millions) | 11.0373% | 173 |
| Cash dividends to net income (ytd only)* | 94.4585% | 487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1439% | 5,145 |
| Loan loss allowance to noncurrent loans | 65.2065% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 3.8963% | 814 |
| Noncurrent loans to loans | 1.7542% | 2,566 |
| Net loans and leases to total assets | 77.1729% | 853 |
| Net loans and leases to deposits | 91.1529% | 1,049 |
| Net loans and leases to core deposits | 102.6039% | 951 |
| Total domestic deposits to total assets | 84.6631% | 3,899 |
| Equity capital to assets | 10.5331% | 3,237 |
| Core capital (leverage) ratio | 8.8623% | 5,303 |
| Tier 1 risk-based capital ratio | 9.9414% | 6,606 |
| Total risk-based capital ratio | 11.2186% | 6,568 |
| Memoranda: | ||
| Average total assets | $734,795,500 | 914 |
| Average earning assets | $646,234,000 | 945 |
| Average equity | $76,572,750 | 943 |
| Average total loans | $555,008,000 | 756 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 4,235 |
| Cost of funding earning assets | 0.6000% | 2,937 |
| Net interest margin | 3.3677% | 4,312 |
| Noninterest income to average assets | 0.3061% | 5,261 |
| Noninterest expense to average assets | 2.1769% | 5,687 |
| Loan and lease loss provision to assets | -0.0187% | 6,594 |
| Net operating income to assets | 0.6671% | 3,984 |
| Return on assets (ROA) | 0.6671% | 4,139 |
| Pretax return on assets | 1.1109% | 3,055 |
| Return on Equity (ROE) | 6.4244% | 3,920 |
| Retained earnings to average equity (ytd only) | -1.4166% | 6,113 |
| Net charge-offs to loans | -0.7049% | 6,848 |
| Credit loss provision to net charge-offs | 3.5567% | 3,972 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6040% | 4,618 |
| Assets per employee ($millions) | 11.2953% | 167 |
| Cash dividends to net income (ytd only)* | 122.0504% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 5,789 |
| Loan loss allowance to noncurrent loans | 30.9253% | 5,979 |
| Noncurrent assets plus other real estate owned to assets | 4.6085% | 699 |
| Noncurrent loans to loans | 3.2577% | 1,350 |
| Net loans and leases to total assets | 76.7139% | 902 |
| Net loans and leases to deposits | 90.5121% | 1,096 |
| Net loans and leases to core deposits | 100.8834% | 1,020 |
| Total domestic deposits to total assets | 84.7554% | 4,015 |
| Equity capital to assets | 10.3406% | 3,504 |
| Core capital (leverage) ratio | 8.6749% | 5,454 |
| Tier 1 risk-based capital ratio | 9.8805% | 6,658 |
| Total risk-based capital ratio | 11.0444% | 6,658 |
| Memoranda: | ||
| Average total assets | $736,907,670 | 910 |
| Average earning assets | $648,338,670 | 932 |
| Average equity | $76,520,670 | 947 |
| Average total loans | $550,451,330 | 754 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0123% | 4,065 |
| Cost of funding earning assets | 0.6084% | 3,028 |
| Net interest margin | 3.4039% | 4,099 |
| Noninterest income to average assets | 0.3034% | 5,270 |
| Noninterest expense to average assets | 2.1846% | 5,731 |
| Loan and lease loss provision to assets | 0.3153% | 1,076 |
| Net operating income to assets | 0.4768% | 4,787 |
| Return on assets (ROA) | 0.4768% | 4,954 |
| Pretax return on assets | 0.7894% | 4,212 |
| Return on Equity (ROE) | 4.5821% | 4,801 |
| Retained earnings to average equity (ytd only) | -11.0386% | 6,654 |
| Net charge-offs to loans | 0.2136% | 2,142 |
| Credit loss provision to net charge-offs | 201.3841% | 1,077 |
| Earnings coverage of net charge-offs (x) | 7.0554% | 2,124 |
| Efficiency ratio | 65.4258% | 4,764 |
| Assets per employee ($millions) | 10.5895% | 192 |
| Cash dividends to net income (ytd only)* | 340.9091% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1015% | 5,603 |
| Loan loss allowance to noncurrent loans | 29.6447% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 4.7911% | 774 |
| Noncurrent loans to loans | 3.7156% | 1,269 |
| Net loans and leases to total assets | 75.1551% | 943 |
| Net loans and leases to deposits | 89.0703% | 1,044 |
| Net loans and leases to core deposits | 99.3447% | 987 |
| Total domestic deposits to total assets | 84.3773% | 4,322 |
| Equity capital to assets | 10.3600% | 3,721 |
| Core capital (leverage) ratio | 8.3483% | 5,761 |
| Tier 1 risk-based capital ratio | 10.0950% | 6,675 |
| Total risk-based capital ratio | 11.6423% | 6,594 |
| Memoranda: | ||
| Average total assets | $738,264,500 | 917 |
| Average earning assets | $647,615,500 | 940 |
| Average equity | $76,821,000 | 950 |
| Average total loans | $541,196,500 | 774 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3678% | 3,953 |
| Cost of funding earning assets | 0.6956% | 3,524 |
| Net interest margin | 3.6722% | 3,778 |
| Noninterest income to average assets | 0.4005% | 4,606 |
| Noninterest expense to average assets | 2.2586% | 5,791 |
| Loan and lease loss provision to assets | 0.3816% | 1,713 |
| Net operating income to assets | 0.5549% | 4,452 |
| Return on assets (ROA) | 0.5578% | 4,699 |
| Pretax return on assets | 0.9208% | 3,860 |
| Return on Equity (ROE) | 5.1090% | 4,631 |
| Retained earnings to average equity (ytd only) | 5.1090% | 2,634 |
| Net charge-offs to loans | 0.5702% | 2,017 |
| Credit loss provision to net charge-offs | 91.0140% | 3,430 |
| Earnings coverage of net charge-offs (x) | 3.0955% | 3,885 |
| Efficiency ratio | 62.6711% | 5,138 |
| Assets per employee ($millions) | 11.3008% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 5,590 |
| Loan loss allowance to noncurrent loans | 27.5943% | 6,156 |
| Noncurrent assets plus other real estate owned to assets | 4.7606% | 839 |
| Noncurrent loans to loans | 3.9523% | 1,198 |
| Net loans and leases to total assets | 69.9049% | 1,858 |
| Net loans and leases to deposits | 82.5780% | 1,925 |
| Net loans and leases to core deposits | 90.8793% | 1,735 |
| Total domestic deposits to total assets | 84.6532% | 4,013 |
| Equity capital to assets | 10.4503% | 3,586 |
| Core capital (leverage) ratio | 8.6710% | 5,366 |
| Tier 1 risk-based capital ratio | 10.7925% | 6,433 |
| Total risk-based capital ratio | 11.7877% | 6,511 |
| Memoranda: | ||
| Average total assets | $682,155,200 | 959 |
| Average earning assets | $586,246,200 | 1,032 |
| Average equity | $74,476,200 | 949 |
| Average total loans | $501,587,600 | 825 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 3,927 |
| Cost of funding earning assets | 0.7082% | 3,691 |
| Net interest margin | 3.7211% | 3,698 |
| Noninterest income to average assets | 0.4845% | 4,028 |
| Noninterest expense to average assets | 2.2968% | 5,684 |
| Loan and lease loss provision to assets | 0.5894% | 955 |
| Net operating income to assets | 0.4727% | 4,944 |
| Return on assets (ROA) | 0.4767% | 5,190 |
| Pretax return on assets | 0.7885% | 4,539 |
| Return on Equity (ROE) | 4.3146% | 5,144 |
| Retained earnings to average equity (ytd only) | 4.3146% | 3,853 |
| Net charge-offs to loans | 0.5867% | 1,872 |
| Credit loss provision to net charge-offs | 135.1537% | 2,134 |
| Earnings coverage of net charge-offs (x) | 3.1455% | 3,770 |
| Efficiency ratio | 61.8297% | 5,180 |
| Assets per employee ($millions) | 11.2619% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6190% | 3,450 |
| Loan loss allowance to noncurrent loans | 32.4553% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 4.7913% | 942 |
| Noncurrent loans to loans | 4.9884% | 909 |
| Net loans and leases to total assets | 73.6520% | 1,295 |
| Net loans and leases to deposits | 87.4643% | 1,419 |
| Net loans and leases to core deposits | 96.1711% | 1,401 |
| Total domestic deposits to total assets | 84.2081% | 4,125 |
| Equity capital to assets | 10.6191% | 3,707 |
| Core capital (leverage) ratio | 8.9169% | 5,168 |
| Tier 1 risk-based capital ratio | 10.6757% | 6,605 |
| Total risk-based capital ratio | 11.9297% | 6,597 |
| Memoranda: | ||
| Average total assets | $666,230,000 | 989 |
| Average earning assets | $570,069,250 | 1,065 |
| Average equity | $73,609,250 | 963 |
| Average total loans | $495,199,750 | 835 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 3,629 |
| Cost of funding earning assets | 0.7369% | 3,706 |
| Net interest margin | 3.7974% | 3,376 |
| Noninterest income to average assets | 0.5105% | 3,859 |
| Noninterest expense to average assets | 2.3412% | 5,635 |
| Loan and lease loss provision to assets | 0.7240% | 731 |
| Net operating income to assets | 0.4037% | 5,201 |
| Return on assets (ROA) | 0.4092% | 5,420 |
| Pretax return on assets | 0.6728% | 4,901 |
| Return on Equity (ROE) | 3.6512% | 5,418 |
| Retained earnings to average equity (ytd only) | 3.6512% | 4,168 |
| Net charge-offs to loans | 0.6611% | 1,668 |
| Credit loss provision to net charge-offs | 147.7330% | 1,871 |
| Earnings coverage of net charge-offs (x) | 2.8325% | 3,610 |
| Efficiency ratio | 62.0986% | 5,233 |
| Assets per employee ($millions) | 11.1127% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 3,578 |
| Loan loss allowance to noncurrent loans | 23.8309% | 6,404 |
| Noncurrent assets plus other real estate owned to assets | 5.7062% | 763 |
| Noncurrent loans to loans | 6.7483% | 597 |
| Net loans and leases to total assets | 74.5300% | 1,169 |
| Net loans and leases to deposits | 88.9473% | 1,262 |
| Net loans and leases to core deposits | 97.9276% | 1,283 |
| Total domestic deposits to total assets | 83.7911% | 4,405 |
| Equity capital to assets | 10.9144% | 3,212 |
| Core capital (leverage) ratio | 9.1119% | 4,745 |
| Tier 1 risk-based capital ratio | 10.7620% | 6,594 |
| Total risk-based capital ratio | 12.0099% | 6,579 |
| Memoranda: | ||
| Average total assets | $648,053,000 | 1,022 |
| Average earning assets | $549,329,670 | 1,109 |
| Average equity | $72,633,000 | 968 |
| Average total loans | $480,402,670 | 859 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5127% | 3,861 |
| Cost of funding earning assets | 0.7859% | 3,578 |
| Net interest margin | 3.7268% | 3,707 |
| Noninterest income to average assets | 0.6049% | 3,199 |
| Noninterest expense to average assets | 2.3436% | 5,650 |
| Loan and lease loss provision to assets | 0.6259% | 892 |
| Net operating income to assets | 0.4483% | 5,043 |
| Return on assets (ROA) | 0.4487% | 5,233 |
| Pretax return on assets | 0.7400% | 4,649 |
| Return on Equity (ROE) | 3.9467% | 5,320 |
| Retained earnings to average equity (ytd only) | 3.9467% | 4,218 |
| Net charge-offs to loans | 0.5900% | 1,618 |
| Credit loss provision to net charge-offs | 144.8378% | 1,709 |
| Earnings coverage of net charge-offs (x) | 3.1593% | 2,937 |
| Efficiency ratio | 62.8974% | 5,120 |
| Assets per employee ($millions) | 10.5451% | 204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 4,957 |
| Loan loss allowance to noncurrent loans | 19.4440% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 5.6900% | 851 |
| Noncurrent loans to loans | 6.7625% | 689 |
| Net loans and leases to total assets | 74.5943% | 974 |
| Net loans and leases to deposits | 90.8453% | 888 |
| Net loans and leases to core deposits | 99.7069% | 1,007 |
| Total domestic deposits to total assets | 82.1114% | 5,257 |
| Equity capital to assets | 11.2165% | 2,701 |
| Core capital (leverage) ratio | 10.4828% | 2,770 |
| Tier 1 risk-based capital ratio | 11.2246% | 6,428 |
| Total risk-based capital ratio | 13.2351% | 5,962 |
| Memoranda: | ||
| Average total assets | $627,586,500 | 1,058 |
| Average earning assets | $522,700,500 | 1,171 |
| Average equity | $71,350,000 | 979 |
| Average total loans | $459,657,000 | 893 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 4,449 |
| Cost of funding earning assets | 1.0120% | 3,288 |
| Net interest margin | 3.6391% | 4,573 |
| Noninterest income to average assets | 1.7671% | 457 |
| Noninterest expense to average assets | 2.4486% | 5,636 |
| Loan and lease loss provision to assets | 0.6462% | 1,579 |
| Net operating income to assets | 1.0140% | 2,153 |
| Return on assets (ROA) | 1.0285% | 2,241 |
| Pretax return on assets | 1.6930% | 997 |
| Return on Equity (ROE) | 9.3835% | 2,292 |
| Retained earnings to average equity (ytd only) | 9.3835% | 702 |
| Net charge-offs to loans | 1.0183% | 1,713 |
| Credit loss provision to net charge-offs | 94.9383% | 3,803 |
| Earnings coverage of net charge-offs (x) | 3.4035% | 3,536 |
| Efficiency ratio | 51.1497% | 6,767 |
| Assets per employee ($millions) | 7.9842% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1658% | 5,555 |
| Loan loss allowance to noncurrent loans | 17.8754% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 5.5380% | 921 |
| Noncurrent loans to loans | 6.5217% | 712 |
| Net loans and leases to total assets | 69.7808% | 2,076 |
| Net loans and leases to deposits | 86.3967% | 1,627 |
| Net loans and leases to core deposits | 103.5668% | 927 |
| Total domestic deposits to total assets | 80.7679% | 5,520 |
| Equity capital to assets | 11.5404% | 2,468 |
| Core capital (leverage) ratio | 9.1599% | 4,532 |
| Tier 1 risk-based capital ratio | 11.7697% | 5,977 |
| Total risk-based capital ratio | 12.8908% | 6,054 |
| Memoranda: | ||
| Average total assets | $595,043,000 | 1,106 |
| Average earning assets | $490,201,400 | 1,242 |
| Average equity | $65,221,000 | 1,036 |
| Average total loans | $397,708,400 | 1,070 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5285% | 5,172 |
| Cost of funding earning assets | 1.0182% | 3,540 |
| Net interest margin | 3.5103% | 5,145 |
| Noninterest income to average assets | 2.2307% | 319 |
| Noninterest expense to average assets | 2.3078% | 6,009 |
| Loan and lease loss provision to assets | 0.7799% | 1,205 |
| Net operating income to assets | 1.2523% | 1,510 |
| Return on assets (ROA) | 1.2702% | 1,560 |
| Pretax return on assets | 2.0886% | 532 |
| Return on Equity (ROE) | 11.7428% | 1,609 |
| Retained earnings to average equity (ytd only) | 11.7428% | 525 |
| Net charge-offs to loans | 1.1607% | 1,358 |
| Credit loss provision to net charge-offs | 101.9591% | 3,282 |
| Earnings coverage of net charge-offs (x) | 3.7134% | 3,324 |
| Efficiency ratio | 44.6129% | 7,125 |
| Assets per employee ($millions) | 7.8801% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 5,677 |
| Loan loss allowance to noncurrent loans | 18.9450% | 6,713 |
| Noncurrent assets plus other real estate owned to assets | 6.9471% | 714 |
| Noncurrent loans to loans | 6.0746% | 913 |
| Net loans and leases to total assets | 62.2844% | 3,650 |
| Net loans and leases to deposits | 76.3497% | 3,275 |
| Net loans and leases to core deposits | 90.9665% | 2,123 |
| Total domestic deposits to total assets | 81.5777% | 5,227 |
| Equity capital to assets | 11.0566% | 3,085 |
| Core capital (leverage) ratio | 9.1075% | 4,777 |
| Tier 1 risk-based capital ratio | 12.2303% | 5,720 |
| Total risk-based capital ratio | 14.2302% | 5,082 |
| Memoranda: | ||
| Average total assets | $596,096,500 | 1,112 |
| Average earning assets | $495,483,500 | 1,228 |
| Average equity | $64,480,250 | 1,050 |
| Average total loans | $392,848,500 | 1,095 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 6,274 |
| Cost of funding earning assets | 1.0991% | 3,247 |
| Net interest margin | 3.1028% | 6,404 |
| Noninterest income to average assets | 3.1825% | 216 |
| Noninterest expense to average assets | 2.1539% | 6,496 |
| Loan and lease loss provision to assets | 0.4726% | 2,100 |
| Net operating income to assets | 1.9424% | 375 |
| Return on assets (ROA) | 1.9677% | 380 |
| Pretax return on assets | 3.2364% | 127 |
| Return on Equity (ROE) | 18.3321% | 438 |
| Retained earnings to average equity (ytd only) | 18.3321% | 129 |
| Net charge-offs to loans | 0.8771% | 1,768 |
| Credit loss provision to net charge-offs | 80.5315% | 3,758 |
| Earnings coverage of net charge-offs (x) | 6.2525% | 2,436 |
| Efficiency ratio | 36.8072% | 7,377 |
| Assets per employee ($millions) | 7.8284% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 6,320 |
| Loan loss allowance to noncurrent loans | 13.9648% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 6.2954% | 866 |
| Noncurrent loans to loans | 7.1812% | 701 |
| Net loans and leases to total assets | 67.2484% | 2,780 |
| Net loans and leases to deposits | 82.7466% | 2,325 |
| Net loans and leases to core deposits | 97.5794% | 1,535 |
| Total domestic deposits to total assets | 81.2703% | 5,435 |
| Equity capital to assets | 11.0296% | 2,919 |
| Core capital (leverage) ratio | 8.5938% | 5,416 |
| Tier 1 risk-based capital ratio | 11.4810% | 6,180 |
| Total risk-based capital ratio | 13.3562% | 5,674 |
| Memoranda: | ||
| Average total assets | $589,913,000 | 1,126 |
| Average earning assets | $502,062,670 | 1,215 |
| Average equity | $63,320,670 | 1,067 |
| Average total loans | $394,702,670 | 1,096 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8299% | 6,912 |
| Cost of funding earning assets | 1.0423% | 3,906 |
| Net interest margin | 2.7876% | 6,923 |
| Noninterest income to average assets | 5.6371% | 123 |
| Noninterest expense to average assets | 1.9776% | 6,865 |
| Loan and lease loss provision to assets | 0.2635% | 3,026 |
| Net operating income to assets | 3.5465% | 91 |
| Return on assets (ROA) | 3.5465% | 93 |
| Pretax return on assets | 5.8421% | 62 |
| Return on Equity (ROE) | 33.5079% | 61 |
| Retained earnings to average equity (ytd only) | 33.5079% | 47 |
| Net charge-offs to loans | 0.9190% | 1,449 |
| Credit loss provision to net charge-offs | 43.1920% | 3,887 |
| Earnings coverage of net charge-offs (x) | 10.0067% | 1,668 |
| Efficiency ratio | 24.3808% | 7,515 |
| Assets per employee ($millions) | 11.9845% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,669 |
| Loan loss allowance to noncurrent loans | 12.5137% | 6,973 |
| Noncurrent assets plus other real estate owned to assets | 5.7179% | 1,038 |
| Noncurrent loans to loans | 7.2810% | 731 |
| Net loans and leases to total assets | 62.8901% | 3,685 |
| Net loans and leases to deposits | 74.8114% | 3,632 |
| Net loans and leases to core deposits | 87.6937% | 2,643 |
| Total domestic deposits to total assets | 84.0649% | 4,467 |
| Equity capital to assets | 9.6550% | 4,244 |
| Core capital (leverage) ratio | 10.0788% | 3,062 |
| Tier 1 risk-based capital ratio | 10.9617% | 6,534 |
| Total risk-based capital ratio | 12.6828% | 6,136 |
| Memoranda: | ||
| Average total assets | $587,392,000 | 1,139 |
| Average earning assets | $515,417,500 | 1,193 |
| Average equity | $62,170,500 | 1,080 |
| Average total loans | $389,978,500 | 1,125 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6237% | 6,043 |
| Cost of funding earning assets | 1.4996% | 2,634 |
| Net interest margin | 3.1242% | 6,454 |
| Noninterest income to average assets | 0.1685% | 6,526 |
| Noninterest expense to average assets | 2.2993% | 6,360 |
| Loan and lease loss provision to assets | 0.5225% | 3,060 |
| Net operating income to assets | 0.1137% | 5,554 |
| Return on assets (ROA) | 0.1821% | 5,501 |
| Pretax return on assets | 0.2891% | 5,260 |
| Return on Equity (ROE) | 1.5874% | 5,530 |
| Retained earnings to average equity (ytd only) | 1.5874% | 4,729 |
| Net charge-offs to loans | 0.4985% | 3,631 |
| Credit loss provision to net charge-offs | 150.7246% | 2,395 |
| Earnings coverage of net charge-offs (x) | 2.0326% | 4,209 |
| Efficiency ratio | 76.2701% | 3,015 |
| Assets per employee ($millions) | 9.1573% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 5,326 |
| Loan loss allowance to noncurrent loans | 136.7601% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 0.7239% | 5,557 |
| Noncurrent loans to loans | 0.9068% | 5,244 |
| Net loans and leases to total assets | 69.4151% | 2,683 |
| Net loans and leases to deposits | 86.2002% | 2,057 |
| Net loans and leases to core deposits | 109.2422% | 968 |
| Total domestic deposits to total assets | 80.5277% | 5,676 |
| Equity capital to assets | 11.8223% | 2,023 |
| Core capital (leverage) ratio | 8.9734% | 4,589 |
| Tier 1 risk-based capital ratio | 10.4370% | 6,734 |
| Total risk-based capital ratio | 12.3828% | 6,201 |
| Memoranda: | ||
| Average total assets | $477,661,800 | 1,405 |
| Average earning assets | $433,522,600 | 1,401 |
| Average equity | $54,805,600 | 1,221 |
| Average total loans | $332,184,600 | 1,343 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6287% | 6,260 |
| Cost of funding earning assets | 1.5610% | 2,605 |
| Net interest margin | 3.0677% | 6,690 |
| Noninterest income to average assets | 0.1344% | 6,878 |
| Noninterest expense to average assets | 2.3666% | 6,128 |
| Loan and lease loss provision to assets | 0.5880% | 2,585 |
| Net operating income to assets | -0.0261% | 6,054 |
| Return on assets (ROA) | 0.0702% | 5,979 |
| Pretax return on assets | 0.1041% | 5,904 |
| Return on Equity (ROE) | 0.6167% | 5,986 |
| Retained earnings to average equity (ytd only) | 0.6167% | 5,551 |
| Net charge-offs to loans | 0.4685% | 3,408 |
| Credit loss provision to net charge-offs | 181.0105% | 2,023 |
| Earnings coverage of net charge-offs (x) | 1.6882% | 4,437 |
| Efficiency ratio | 80.9048% | 2,228 |
| Assets per employee ($millions) | 8.4813% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 5,327 |
| Loan loss allowance to noncurrent loans | 238.1712% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.5877% | 5,969 |
| Noncurrent loans to loans | 0.5177% | 6,161 |
| Net loans and leases to total assets | 71.7155% | 2,312 |
| Net loans and leases to deposits | 89.5835% | 1,774 |
| Net loans and leases to core deposits | 107.1381% | 1,228 |
| Total domestic deposits to total assets | 80.0543% | 5,686 |
| Equity capital to assets | 11.8613% | 2,246 |
| Core capital (leverage) ratio | 9.2830% | 4,230 |
| Tier 1 risk-based capital ratio | 10.2094% | 6,954 |
| Total risk-based capital ratio | 12.1617% | 6,433 |
| Memoranda: | ||
| Average total assets | $471,164,750 | 1,439 |
| Average earning assets | $427,067,250 | 1,440 |
| Average equity | $53,621,250 | 1,247 |
| Average total loans | $326,731,000 | 1,384 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6017% | 6,459 |
| Cost of funding earning assets | 1.6783% | 2,238 |
| Net interest margin | 2.9234% | 6,981 |
| Noninterest income to average assets | 0.0967% | 7,109 |
| Noninterest expense to average assets | 2.3636% | 6,178 |
| Loan and lease loss provision to assets | 0.6285% | 2,283 |
| Net operating income to assets | -0.1469% | 6,287 |
| Return on assets (ROA) | -0.1469% | 6,353 |
| Pretax return on assets | -0.2484% | 6,371 |
| Return on Equity (ROE) | -1.3111% | 6,353 |
| Retained earnings to average equity (ytd only) | -1.3111% | 6,028 |
| Net charge-offs to loans | 0.6104% | 2,702 |
| Credit loss provision to net charge-offs | 151.0417% | 2,601 |
| Earnings coverage of net charge-offs (x) | 0.9135% | 4,860 |
| Efficiency ratio | 85.8452% | 1,729 |
| Assets per employee ($millions) | 8.8767% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 5,628 |
| Loan loss allowance to noncurrent loans | 483.8323% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 6,426 |
| Noncurrent loans to loans | 0.2408% | 6,752 |
| Net loans and leases to total assets | 70.2030% | 2,855 |
| Net loans and leases to deposits | 87.9167% | 2,184 |
| Net loans and leases to core deposits | 101.4360% | 1,872 |
| Total domestic deposits to total assets | 79.8517% | 5,772 |
| Equity capital to assets | 12.1234% | 2,028 |
| Core capital (leverage) ratio | 9.8860% | 3,295 |
| Tier 1 risk-based capital ratio | 10.5605% | 6,641 |
| Total risk-based capital ratio | 12.4955% | 5,987 |
| Memoranda: | ||
| Average total assets | $461,421,670 | 1,481 |
| Average earning assets | $417,801,000 | 1,483 |
| Average equity | $51,710,670 | 1,287 |
| Average total loans | $314,528,000 | 1,462 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4513% | 6,896 |
| Cost of funding earning assets | 1.8684% | 1,574 |
| Net interest margin | 2.5829% | 7,406 |
| Noninterest income to average assets | 0.1250% | 7,056 |
| Noninterest expense to average assets | 2.3472% | 6,261 |
| Loan and lease loss provision to assets | 0.4152% | 2,886 |
| Net operating income to assets | -0.1786% | 6,520 |
| Return on assets (ROA) | -0.1786% | 6,591 |
| Pretax return on assets | -0.3009% | 6,639 |
| Return on Equity (ROE) | -1.6677% | 6,599 |
| Retained earnings to average equity (ytd only) | -1.6677% | 6,151 |
| Net charge-offs to loans | 0.6689% | 2,154 |
| Credit loss provision to net charge-offs | 93.1864% | 3,584 |
| Earnings coverage of net charge-offs (x) | 0.2565% | 4,817 |
| Efficiency ratio | 95.0308% | 1,078 |
| Assets per employee ($millions) | 7.7654% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 5,657 |
| Loan loss allowance to noncurrent loans | 144.6318% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6886% | 5,797 |
| Noncurrent loans to loans | 0.8092% | 5,698 |
| Net loans and leases to total assets | 67.0815% | 3,609 |
| Net loans and leases to deposits | 84.2167% | 2,906 |
| Net loans and leases to core deposits | 87.4012% | 3,692 |
| Total domestic deposits to total assets | 79.6535% | 5,900 |
| Equity capital to assets | 12.4019% | 1,809 |
| Core capital (leverage) ratio | 9.3377% | 3,989 |
| Tier 1 risk-based capital ratio | 11.4062% | 5,759 |
| Total risk-based capital ratio | 12.4104% | 5,964 |
| Memoranda: | ||
| Average total assets | $448,022,000 | 1,561 |
| Average earning assets | $405,274,500 | 1,567 |
| Average equity | $47,971,500 | 1,402 |
| Average total loans | $298,399,000 | 1,572 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1377% | 5,931 |
| Cost of funding earning assets | 2.4975% | 1,031 |
| Net interest margin | 2.6402% | 7,292 |
| Noninterest income to average assets | 0.2694% | 6,191 |
| Noninterest expense to average assets | 2.4361% | 6,349 |
| Loan and lease loss provision to assets | 1.2538% | 1,845 |
| Net operating income to assets | -0.6721% | 6,328 |
| Return on assets (ROA) | -0.6733% | 6,335 |
| Pretax return on assets | -1.1022% | 6,476 |
| Return on Equity (ROE) | -6.8759% | 6,380 |
| Retained earnings to average equity (ytd only) | -6.8759% | 6,231 |
| Net charge-offs to loans | 1.3390% | 1,864 |
| Credit loss provision to net charge-offs | 137.6432% | 3,573 |
| Earnings coverage of net charge-offs (x) | 0.1685% | 5,986 |
| Efficiency ratio | 93.7327% | 1,429 |
| Assets per employee ($millions) | 7.8175% | 557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1979% | 5,374 |
| Loan loss allowance to noncurrent loans | 85.8110% | 3,233 |
| Noncurrent assets plus other real estate owned to assets | 1.0485% | 5,000 |
| Noncurrent loans to loans | 1.3959% | 4,589 |
| Net loans and leases to total assets | 64.5787% | 4,474 |
| Net loans and leases to deposits | 79.5056% | 4,086 |
| Net loans and leases to core deposits | 108.7526% | 3,031 |
| Total domestic deposits to total assets | 81.2255% | 5,257 |
| Equity capital to assets | 9.0533% | 5,057 |
| Core capital (leverage) ratio | 5.6267% | 7,693 |
| Tier 1 risk-based capital ratio | 7.5424% | 7,696 |
| Total risk-based capital ratio | 11.1851% | 6,905 |
| Memoranda: | ||
| Average total assets | $431,311,600 | 1,606 |
| Average earning assets | $379,021,600 | 1,662 |
| Average equity | $42,234,200 | 1,581 |
| Average total loans | $293,430,800 | 1,631 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2840% | 5,513 |
| Cost of funding earning assets | 2.5906% | 1,058 |
| Net interest margin | 2.6934% | 7,218 |
| Noninterest income to average assets | 0.3025% | 6,060 |
| Noninterest expense to average assets | 2.3373% | 6,602 |
| Loan and lease loss provision to assets | 1.1871% | 1,637 |
| Net operating income to assets | -0.5339% | 6,465 |
| Return on assets (ROA) | -0.5355% | 6,462 |
| Pretax return on assets | -0.8780% | 6,588 |
| Return on Equity (ROE) | -5.3607% | 6,488 |
| Retained earnings to average equity (ytd only) | -5.3607% | 6,295 |
| Net charge-offs to loans | 0.9684% | 2,038 |
| Credit loss provision to net charge-offs | 178.3161% | 2,582 |
| Earnings coverage of net charge-offs (x) | 0.4680% | 5,564 |
| Efficiency ratio | 87.8946% | 1,885 |
| Assets per employee ($millions) | 8.9453% | 373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 4,852 |
| Loan loss allowance to noncurrent loans | 51.4034% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 1.4773% | 4,163 |
| Noncurrent loans to loans | 2.4265% | 3,104 |
| Net loans and leases to total assets | 60.1203% | 5,566 |
| Net loans and leases to deposits | 72.6573% | 5,557 |
| Net loans and leases to core deposits | 99.9081% | 4,383 |
| Total domestic deposits to total assets | 82.7450% | 4,343 |
| Equity capital to assets | 8.5656% | 6,158 |
| Core capital (leverage) ratio | 5.9552% | 7,807 |
| Tier 1 risk-based capital ratio | 7.3846% | 7,860 |
| Total risk-based capital ratio | 10.8466% | 7,269 |
| Memoranda: | ||
| Average total assets | $425,785,250 | 1,646 |
| Average earning assets | $370,922,000 | 1,708 |
| Average equity | $42,530,500 | 1,590 |
| Average total loans | $292,698,250 | 1,661 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 5,311 |
| Cost of funding earning assets | 2.7394% | 933 |
| Net interest margin | 2.6286% | 7,323 |
| Noninterest income to average assets | 0.2819% | 6,251 |
| Noninterest expense to average assets | 2.4765% | 6,195 |
| Loan and lease loss provision to assets | 0.6683% | 2,434 |
| Net operating income to assets | -0.3745% | 6,417 |
| Return on assets (ROA) | -0.3770% | 6,430 |
| Pretax return on assets | -0.6222% | 6,547 |
| Return on Equity (ROE) | -3.5677% | 6,429 |
| Retained earnings to average equity (ytd only) | -3.5677% | 6,058 |
| Net charge-offs to loans | 0.4883% | 2,873 |
| Credit loss provision to net charge-offs | 190.2680% | 2,403 |
| Earnings coverage of net charge-offs (x) | 0.1425% | 5,526 |
| Efficiency ratio | 97.6471% | 1,285 |
| Assets per employee ($millions) | 7.8310% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 6,872 |
| Loan loss allowance to noncurrent loans | 52.1346% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 4,521 |
| Noncurrent loans to loans | 1.6803% | 3,980 |
| Net loans and leases to total assets | 71.2231% | 3,418 |
| Net loans and leases to deposits | 87.9707% | 3,175 |
| Net loans and leases to core deposits | 113.9567% | 2,912 |
| Total domestic deposits to total assets | 80.9623% | 5,098 |
| Equity capital to assets | 9.7673% | 4,262 |
| Core capital (leverage) ratio | 7.1572% | 7,397 |
| Tier 1 risk-based capital ratio | 7.6857% | 7,944 |
| Total risk-based capital ratio | 10.3448% | 7,659 |
| Memoranda: | ||
| Average total assets | $403,716,330 | 1,740 |
| Average earning assets | $344,748,000 | 1,839 |
| Average equity | $42,660,000 | 1,598 |
| Average total loans | $290,423,330 | 1,703 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5213% | 4,806 |
| Cost of funding earning assets | 3.1239% | 428 |
| Net interest margin | 2.3974% | 7,617 |
| Noninterest income to average assets | 0.3567% | 5,590 |
| Noninterest expense to average assets | 2.4601% | 5,991 |
| Loan and lease loss provision to assets | 0.7288% | 1,761 |
| Net operating income to assets | -0.5192% | 6,894 |
| Return on assets (ROA) | -0.5238% | 6,951 |
| Pretax return on assets | -0.8641% | 7,071 |
| Return on Equity (ROE) | -4.7584% | 6,962 |
| Retained earnings to average equity (ytd only) | -4.7584% | 6,524 |
| Net charge-offs to loans | 0.6778% | 1,824 |
| Credit loss provision to net charge-offs | 149.3697% | 2,801 |
| Earnings coverage of net charge-offs (x) | -0.2626% | 5,167 |
| Efficiency ratio | 105.0549% | 950 |
| Assets per employee ($millions) | 7.0285% | 762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7954% | 7,173 |
| Loan loss allowance to noncurrent loans | 59.0979% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0094% | 4,673 |
| Noncurrent loans to loans | 1.3459% | 4,295 |
| Net loans and leases to total assets | 74.3986% | 2,649 |
| Net loans and leases to deposits | 94.9072% | 2,120 |
| Net loans and leases to core deposits | 116.8378% | 2,701 |
| Total domestic deposits to total assets | 78.3909% | 5,892 |
| Equity capital to assets | 11.0192% | 2,948 |
| Core capital (leverage) ratio | 7.4508% | 7,215 |
| Tier 1 risk-based capital ratio | 8.2991% | 7,977 |
| Total risk-based capital ratio | 10.7368% | 7,386 |
| Memoranda: | ||
| Average total assets | $390,223,000 | 1,803 |
| Average earning assets | $321,517,500 | 1,972 |
| Average equity | $42,956,000 | 1,592 |
| Average total loans | $280,899,500 | 1,772 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0581% | 5,261 |
| Cost of funding earning assets | 3.7313% | 244 |
| Net interest margin | 2.3268% | 7,896 |
| Noninterest income to average assets | 0.6212% | 3,702 |
| Noninterest expense to average assets | 2.5567% | 5,805 |
| Loan and lease loss provision to assets | 0.6033% | 2,411 |
| Net operating income to assets | -0.3437% | 6,766 |
| Return on assets (ROA) | -0.3364% | 6,636 |
| Pretax return on assets | -0.5612% | 6,701 |
| Return on Equity (ROE) | -2.9874% | 6,621 |
| Retained earnings to average equity (ytd only) | -2.9874% | 6,105 |
| Net charge-offs to loans | 0.5756% | 2,090 |
| Credit loss provision to net charge-offs | 155.6802% | 3,355 |
| Earnings coverage of net charge-offs (x) | 0.0792% | 6,202 |
| Efficiency ratio | 98.4035% | 1,047 |
| Assets per employee ($millions) | 7.0335% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7617% | 7,241 |
| Loan loss allowance to noncurrent loans | 73.5440% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 0.7149% | 5,082 |
| Noncurrent loans to loans | 1.0357% | 4,513 |
| Net loans and leases to total assets | 68.5036% | 4,367 |
| Net loans and leases to deposits | 86.2908% | 4,074 |
| Net loans and leases to core deposits | 110.9298% | 3,694 |
| Total domestic deposits to total assets | 79.3870% | 5,242 |
| Equity capital to assets | 10.9971% | 3,044 |
| Core capital (leverage) ratio | 7.6810% | 6,967 |
| Tier 1 risk-based capital ratio | 8.9515% | 7,816 |
| Total risk-based capital ratio | 10.6100% | 7,378 |
| Memoranda: | ||
| Average total assets | $367,975,400 | 1,830 |
| Average earning assets | $310,941,200 | 1,958 |
| Average equity | $41,440,800 | 1,615 |
| Average total loans | $247,748,200 | 1,919 |