Home > Shinhan Bank America > Performance and Condition Ratios
Shinhan Bank America, 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 | 4.9821% | 2,105 |
| Cost of funding earning assets | 1.4029% | 2,223 |
| Net interest margin | 3.5791% | 2,007 |
| Noninterest income to average assets | 0.1600% | 3,995 |
| Noninterest expense to average assets | 3.5720% | 531 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.0252% | 4,308 |
| Return on assets (ROA) | 0.0252% | 4,333 |
| Pretax return on assets | 0.0384% | 4,318 |
| Return on Equity (ROE) | 0.2400% | 4,325 |
| Retained earnings to average equity (ytd only) | 0.2424% | 3,996 |
| Net charge-offs to loans | -0.0043% | 3,802 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 96.6945% | 240 |
| Assets per employee ($millions) | 6.5575% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 3,879 |
| Loan loss allowance to noncurrent loans | 141.0819% | 2,919 |
| Noncurrent assets plus other real estate owned to assets | 0.4973% | 1,134 |
| Noncurrent loans to loans | 0.5934% | 1,327 |
| Net loans and leases to total assets | 83.1100% | 336 |
| Net loans and leases to deposits | 100.0212% | 536 |
| Net loans and leases to core deposits | 120.9776% | 594 |
| Total domestic deposits to total assets | 83.0900% | 2,870 |
| Equity capital to assets | 11.0332% | 1,459 |
| Core capital (leverage) ratio | 10.6446% | 2,224 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.9013% | 1,292 |
| Memoranda: | ||
| Average total assets | $1,851,840,800 | 609 |
| Average earning assets | $1,783,112,800 | 579 |
| Average equity | $192,623,600 | 559 |
| Average total loans | $1,474,781,800 | 522 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8744% | 2,114 |
| Cost of funding earning assets | 1.2866% | 2,185 |
| Net interest margin | 3.5877% | 2,035 |
| Noninterest income to average assets | 0.1700% | 3,949 |
| Noninterest expense to average assets | 3.6078% | 494 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0089% | 4,367 |
| Return on assets (ROA) | 0.0089% | 4,388 |
| Pretax return on assets | 0.0129% | 4,378 |
| Return on Equity (ROE) | 0.0900% | 4,373 |
| Retained earnings to average equity (ytd only) | 0.0873% | 4,090 |
| Net charge-offs to loans | -0.0044% | 3,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 97.4418% | 209 |
| Assets per employee ($millions) | 7.2314% | 1,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 3,922 |
| Loan loss allowance to noncurrent loans | 136.7477% | 2,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 1,212 |
| Noncurrent loans to loans | 0.6061% | 1,330 |
| Net loans and leases to total assets | 78.0800% | 870 |
| Net loans and leases to deposits | 90.9188% | 1,152 |
| Net loans and leases to core deposits | 108.0982% | 937 |
| Total domestic deposits to total assets | 85.8800% | 2,237 |
| Equity capital to assets | 10.1976% | 1,707 |
| Core capital (leverage) ratio | 10.2965% | 2,561 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5903% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,877,088,750 | 609 |
| Average earning assets | $1,807,552,500 | 573 |
| Average equity | $192,486,000 | 555 |
| Average total loans | $1,476,634,750 | 517 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 2,083 |
| Cost of funding earning assets | 1.1419% | 2,160 |
| Net interest margin | 3.6175% | 1,996 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 3.7742% | 414 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -0.0937% | 4,510 |
| Return on assets (ROA) | -0.0937% | 4,498 |
| Pretax return on assets | -0.1365% | 4,499 |
| Return on Equity (ROE) | -0.8100% | 4,465 |
| Retained earnings to average equity (ytd only) | -0.8140% | 4,195 |
| Net charge-offs to loans | -0.0043% | 3,678 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 101.5620% | 155 |
| Assets per employee ($millions) | 7.2123% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 3,947 |
| Loan loss allowance to noncurrent loans | 135.9973% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.4899% | 1,110 |
| Noncurrent loans to loans | 0.6118% | 1,219 |
| Net loans and leases to total assets | 79.4000% | 690 |
| Net loans and leases to deposits | 92.9465% | 956 |
| Net loans and leases to core deposits | 111.8720% | 752 |
| Total domestic deposits to total assets | 85.4200% | 2,416 |
| Equity capital to assets | 11.6700% | 1,146 |
| Core capital (leverage) ratio | 11.7388% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1879% | 1,087 |
| Memoranda: | ||
| Average total assets | $1,876,062,667 | 597 |
| Average earning assets | $1,806,311,333 | 564 |
| Average equity | $215,967,667 | 497 |
| Average total loans | $1,475,433,667 | 508 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6436% | 1,984 |
| Cost of funding earning assets | 1.0008% | 2,046 |
| Net interest margin | 3.6428% | 2,027 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 3.4476% | 575 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.1461% | 4,406 |
| Return on assets (ROA) | 0.1461% | 4,381 |
| Pretax return on assets | 0.2097% | 4,332 |
| Return on Equity (ROE) | 1.2800% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.2777% | 3,825 |
| Net charge-offs to loans | -0.0043% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 92.1198% | 304 |
| Assets per employee ($millions) | 7.1439% | 1,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,014 |
| Loan loss allowance to noncurrent loans | 132.3778% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 1,051 |
| Noncurrent loans to loans | 0.6332% | 1,188 |
| Net loans and leases to total assets | 77.0500% | 871 |
| Net loans and leases to deposits | 89.9084% | 1,053 |
| Net loans and leases to core deposits | 108.1085% | 751 |
| Total domestic deposits to total assets | 85.7000% | 2,678 |
| Equity capital to assets | 11.5364% | 1,142 |
| Core capital (leverage) ratio | 11.4690% | 1,576 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3781% | 1,094 |
| Memoranda: | ||
| Average total assets | $1,894,528,500 | 602 |
| Average earning assets | $1,824,189,000 | 572 |
| Average equity | $216,638,500 | 504 |
| Average total loans | $1,476,897,500 | 524 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 2,507 |
| Cost of funding earning assets | 0.2940% | 2,926 |
| Net interest margin | 3.4134% | 2,211 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 3.1198% | 812 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2615% | 4,405 |
| Return on assets (ROA) | 0.2615% | 4,382 |
| Pretax return on assets | 0.3350% | 4,346 |
| Return on Equity (ROE) | 2.3400% | 4,354 |
| Retained earnings to average equity (ytd only) | 2.3392% | 3,905 |
| Net charge-offs to loans | -0.0141% | 3,938 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 88.0410% | 358 |
| Assets per employee ($millions) | 7.6409% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 4,133 |
| Loan loss allowance to noncurrent loans | 117.5558% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.4995% | 1,023 |
| Noncurrent loans to loans | 0.6387% | 1,159 |
| Net loans and leases to total assets | 77.6200% | 839 |
| Net loans and leases to deposits | 91.3040% | 962 |
| Net loans and leases to core deposits | 108.5900% | 657 |
| Total domestic deposits to total assets | 85.0100% | 2,990 |
| Equity capital to assets | 11.3352% | 1,134 |
| Core capital (leverage) ratio | 11.3249% | 1,604 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9890% | 1,128 |
| Memoranda: | ||
| Average total assets | $1,942,847,400 | 568 |
| Average earning assets | $1,877,753,400 | 529 |
| Average equity | $217,213,000 | 490 |
| Average total loans | $1,532,274,800 | 467 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4666% | 2,724 |
| Cost of funding earning assets | 0.1916% | 3,375 |
| Net interest margin | 3.2750% | 2,375 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.8843% | 1,087 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.2993% | 4,382 |
| Return on assets (ROA) | 0.2993% | 4,339 |
| Pretax return on assets | 0.4424% | 4,216 |
| Return on Equity (ROE) | 2.6900% | 4,334 |
| Retained earnings to average equity (ytd only) | 2.6864% | 3,864 |
| Net charge-offs to loans | -0.0300% | 4,133 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.3711% | 527 |
| Assets per employee ($millions) | 7.7504% | 1,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7306% | 4,208 |
| Loan loss allowance to noncurrent loans | 111.5502% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 1,036 |
| Noncurrent loans to loans | 0.6550% | 1,244 |
| Net loans and leases to total assets | 79.5700% | 566 |
| Net loans and leases to deposits | 92.7999% | 712 |
| Net loans and leases to core deposits | 103.3065% | 685 |
| Total domestic deposits to total assets | 85.7500% | 3,124 |
| Equity capital to assets | 11.2067% | 1,098 |
| Core capital (leverage) ratio | 11.3255% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1260% | 1,395 |
| Memoranda: | ||
| Average total assets | $1,951,004,250 | 567 |
| Average earning assets | $1,887,521,750 | 529 |
| Average equity | $217,384,500 | 490 |
| Average total loans | $1,541,866,750 | 462 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2728% | 2,820 |
| Cost of funding earning assets | 0.1735% | 3,269 |
| Net interest margin | 3.0993% | 2,539 |
| Noninterest income to average assets | 0.1679% | 4,173 |
| Noninterest expense to average assets | 2.9332% | 936 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.1765% | 4,452 |
| Return on assets (ROA) | 0.1765% | 4,415 |
| Pretax return on assets | 0.2384% | 4,364 |
| Return on Equity (ROE) | 1.5874% | 4,394 |
| Retained earnings to average equity (ytd only) | 1.5874% | 3,858 |
| Net charge-offs to loans | -0.0415% | 4,161 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0580% | 400 |
| Assets per employee ($millions) | 7.8632% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7132% | 4,309 |
| Loan loss allowance to noncurrent loans | 108.8470% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5311% | 1,065 |
| Noncurrent loans to loans | 0.6553% | 1,308 |
| Net loans and leases to total assets | 80.4778% | 371 |
| Net loans and leases to deposits | 93.4436% | 545 |
| Net loans and leases to core deposits | 99.1191% | 703 |
| Total domestic deposits to total assets | 86.1245% | 3,217 |
| Equity capital to assets | 10.9776% | 1,220 |
| Core capital (leverage) ratio | 10.9051% | 1,677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6744% | 1,516 |
| Memoranda: | ||
| Average total assets | $1,955,469,667 | 556 |
| Average earning assets | $1,895,107,333 | 532 |
| Average equity | $217,465,667 | 494 |
| Average total loans | $1,538,095,667 | 455 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0890% | 3,006 |
| Cost of funding earning assets | 0.1849% | 3,012 |
| Net interest margin | 2.9041% | 2,825 |
| Noninterest income to average assets | 0.1811% | 4,079 |
| Noninterest expense to average assets | 3.0479% | 759 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.0119% | 4,542 |
| Return on assets (ROA) | 0.0119% | 4,521 |
| Pretax return on assets | -0.0418% | 4,541 |
| Return on Equity (ROE) | 0.1061% | 4,521 |
| Retained earnings to average equity (ytd only) | 0.1061% | 3,997 |
| Net charge-offs to loans | -0.0785% | 4,394 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8425% | 264 |
| Assets per employee ($millions) | 7.8924% | 1,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7583% | 4,305 |
| Loan loss allowance to noncurrent loans | 94.6147% | 3,432 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 959 |
| Noncurrent loans to loans | 0.8014% | 1,183 |
| Net loans and leases to total assets | 74.3419% | 639 |
| Net loans and leases to deposits | 86.5419% | 703 |
| Net loans and leases to core deposits | 93.2838% | 763 |
| Total domestic deposits to total assets | 85.9028% | 3,298 |
| Equity capital to assets | 10.9459% | 1,353 |
| Core capital (leverage) ratio | 10.7755% | 1,638 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3916% | 1,404 |
| Memoranda: | ||
| Average total assets | $1,954,241,000 | 560 |
| Average earning assets | $1,901,069,000 | 535 |
| Average equity | $218,732,000 | 508 |
| Average total loans | $1,513,635,500 | 457 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4577% | 2,782 |
| Cost of funding earning assets | 0.2671% | 2,731 |
| Net interest margin | 3.1906% | 2,623 |
| Noninterest income to average assets | 0.2622% | 3,804 |
| Noninterest expense to average assets | 3.0456% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.2092% | 4,524 |
| Return on assets (ROA) | 0.2092% | 4,542 |
| Pretax return on assets | 0.3502% | 4,440 |
| Return on Equity (ROE) | 1.7901% | 4,525 |
| Retained earnings to average equity (ytd only) | 1.7901% | 4,046 |
| Net charge-offs to loans | -0.0190% | 3,954 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1967% | 419 |
| Assets per employee ($millions) | 7.9983% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7155% | 4,399 |
| Loan loss allowance to noncurrent loans | 91.2939% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 999 |
| Noncurrent loans to loans | 0.7837% | 1,301 |
| Net loans and leases to total assets | 79.5167% | 293 |
| Net loans and leases to deposits | 90.3208% | 554 |
| Net loans and leases to core deposits | 98.2604% | 601 |
| Total domestic deposits to total assets | 88.0380% | 2,025 |
| Equity capital to assets | 11.4484% | 1,537 |
| Core capital (leverage) ratio | 11.1754% | 1,456 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7630% | 1,323 |
| Memoranda: | ||
| Average total assets | $1,863,955,200 | 572 |
| Average earning assets | $1,830,663,200 | 540 |
| Average equity | $217,813,400 | 501 |
| Average total loans | $1,543,693,000 | 461 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4217% | 3,040 |
| Cost of funding earning assets | 0.2865% | 2,733 |
| Net interest margin | 3.1352% | 2,946 |
| Noninterest income to average assets | 0.2147% | 4,111 |
| Noninterest expense to average assets | 3.0227% | 929 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.1632% | 4,655 |
| Return on assets (ROA) | 0.1632% | 4,673 |
| Pretax return on assets | 0.2700% | 4,616 |
| Return on Equity (ROE) | 1.3890% | 4,654 |
| Retained earnings to average equity (ytd only) | 1.3890% | 4,327 |
| Net charge-offs to loans | -0.0213% | 3,993 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2140% | 347 |
| Assets per employee ($millions) | 7.9549% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7003% | 4,502 |
| Loan loss allowance to noncurrent loans | 86.8813% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6913% | 1,077 |
| Noncurrent loans to loans | 0.8060% | 1,409 |
| Net loans and leases to total assets | 82.3861% | 168 |
| Net loans and leases to deposits | 94.0693% | 414 |
| Net loans and leases to core deposits | 101.4177% | 540 |
| Total domestic deposits to total assets | 87.5802% | 2,074 |
| Equity capital to assets | 11.6146% | 1,594 |
| Core capital (leverage) ratio | 11.1935% | 1,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5154% | 1,476 |
| Memoranda: | ||
| Average total assets | $1,850,046,750 | 581 |
| Average earning assets | $1,816,317,750 | 547 |
| Average equity | $217,326,250 | 505 |
| Average total loans | $1,545,268,000 | 468 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 3,029 |
| Cost of funding earning assets | 0.3100% | 2,677 |
| Net interest margin | 3.1406% | 2,924 |
| Noninterest income to average assets | 0.2399% | 3,965 |
| Noninterest expense to average assets | 3.1500% | 780 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.1043% | 4,707 |
| Return on assets (ROA) | 0.1043% | 4,724 |
| Pretax return on assets | 0.1728% | 4,689 |
| Return on Equity (ROE) | 0.8848% | 4,716 |
| Retained earnings to average equity (ytd only) | 0.8848% | 4,369 |
| Net charge-offs to loans | -0.0247% | 4,072 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2301% | 288 |
| Assets per employee ($millions) | 7.6701% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7073% | 4,525 |
| Loan loss allowance to noncurrent loans | 85.1140% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 1,155 |
| Noncurrent loans to loans | 0.8310% | 1,474 |
| Net loans and leases to total assets | 82.0836% | 213 |
| Net loans and leases to deposits | 93.7366% | 473 |
| Net loans and leases to core deposits | 101.4643% | 610 |
| Total domestic deposits to total assets | 87.5683% | 2,059 |
| Equity capital to assets | 11.6818% | 1,529 |
| Core capital (leverage) ratio | 10.9692% | 1,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7685% | 1,396 |
| Memoranda: | ||
| Average total assets | $1,838,295,667 | 579 |
| Average earning assets | $1,804,470,333 | 546 |
| Average equity | $216,778,333 | 500 |
| Average total loans | $1,538,964,333 | 470 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 2,903 |
| Cost of funding earning assets | 0.3284% | 2,721 |
| Net interest margin | 3.1786% | 2,761 |
| Noninterest income to average assets | 0.1658% | 4,372 |
| Noninterest expense to average assets | 3.1616% | 761 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.0758% | 4,730 |
| Return on assets (ROA) | 0.0758% | 4,739 |
| Pretax return on assets | 0.1239% | 4,715 |
| Return on Equity (ROE) | 0.6372% | 4,740 |
| Retained earnings to average equity (ytd only) | 0.6372% | 4,281 |
| Net charge-offs to loans | -0.0437% | 4,342 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6279% | 290 |
| Assets per employee ($millions) | 7.8271% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6922% | 4,584 |
| Loan loss allowance to noncurrent loans | 88.0648% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6773% | 1,387 |
| Noncurrent loans to loans | 0.7860% | 1,678 |
| Net loans and leases to total assets | 82.7229% | 195 |
| Net loans and leases to deposits | 94.1540% | 484 |
| Net loans and leases to core deposits | 101.8189% | 637 |
| Total domestic deposits to total assets | 87.8592% | 1,910 |
| Equity capital to assets | 11.5144% | 1,536 |
| Core capital (leverage) ratio | 12.0010% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5931% | 1,408 |
| Memoranda: | ||
| Average total assets | $1,826,567,500 | 573 |
| Average earning assets | $1,792,749,000 | 546 |
| Average equity | $217,192,500 | 494 |
| Average total loans | $1,538,050,500 | 469 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7681% | 3,397 |
| Cost of funding earning assets | 0.7269% | 1,575 |
| Net interest margin | 3.0412% | 3,781 |
| Noninterest income to average assets | 0.2358% | 4,088 |
| Noninterest expense to average assets | 2.9019% | 1,678 |
| Loan and lease loss provision to assets | 0.1242% | 2,810 |
| Net operating income to assets | 0.0963% | 4,671 |
| Return on assets (ROA) | 0.1048% | 4,704 |
| Pretax return on assets | 0.2004% | 4,650 |
| Return on Equity (ROE) | 0.8358% | 4,695 |
| Retained earnings to average equity (ytd only) | 0.8358% | 4,277 |
| Net charge-offs to loans | -0.0151% | 4,355 |
| Credit loss provision to net charge-offs | -970.9091% | 4,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3313% | 431 |
| Assets per employee ($millions) | 7.4236% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 4,568 |
| Loan loss allowance to noncurrent loans | 720.5249% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 3,758 |
| Noncurrent loans to loans | 0.0988% | 3,900 |
| Net loans and leases to total assets | 84.5645% | 149 |
| Net loans and leases to deposits | 97.1041% | 500 |
| Net loans and leases to core deposits | 105.1507% | 684 |
| Total domestic deposits to total assets | 87.0864% | 1,898 |
| Equity capital to assets | 12.2925% | 1,424 |
| Core capital (leverage) ratio | 11.8899% | 1,282 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1483% | 1,224 |
| Memoranda: | ||
| Average total assets | $1,720,273,000 | 550 |
| Average earning assets | $1,685,569,600 | 518 |
| Average equity | $215,721,600 | 478 |
| Average total loans | $1,460,331,600 | 458 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7947% | 3,581 |
| Cost of funding earning assets | 0.8110% | 1,441 |
| Net interest margin | 2.9836% | 4,015 |
| Noninterest income to average assets | 0.2434% | 4,025 |
| Noninterest expense to average assets | 2.9521% | 1,557 |
| Loan and lease loss provision to assets | 0.2383% | 1,703 |
| Net operating income to assets | -0.0167% | 4,781 |
| Return on assets (ROA) | -0.0052% | 4,793 |
| Pretax return on assets | -0.0096% | 4,791 |
| Return on Equity (ROE) | -0.0415% | 4,793 |
| Retained earnings to average equity (ytd only) | -0.0415% | 4,486 |
| Net charge-offs to loans | -0.0131% | 4,296 |
| Credit loss provision to net charge-offs | -2,150.7042% | 4,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6083% | 326 |
| Assets per employee ($millions) | 7.4626% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 4,496 |
| Loan loss allowance to noncurrent loans | 738.7716% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.1175% | 3,842 |
| Noncurrent loans to loans | 0.1006% | 3,969 |
| Net loans and leases to total assets | 84.6920% | 229 |
| Net loans and leases to deposits | 100.5533% | 514 |
| Net loans and leases to core deposits | 109.0667% | 727 |
| Total domestic deposits to total assets | 84.2259% | 2,742 |
| Equity capital to assets | 11.8352% | 1,778 |
| Core capital (leverage) ratio | 12.1299% | 1,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7813% | 1,308 |
| Memoranda: | ||
| Average total assets | $1,708,639,500 | 544 |
| Average earning assets | $1,673,841,000 | 511 |
| Average equity | $215,355,750 | 470 |
| Average total loans | $1,449,214,750 | 456 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 2,939 |
| Cost of funding earning assets | 0.9294% | 1,240 |
| Net interest margin | 3.2095% | 3,644 |
| Noninterest income to average assets | 0.2200% | 4,177 |
| Noninterest expense to average assets | 3.1857% | 1,190 |
| Loan and lease loss provision to assets | 0.1404% | 2,609 |
| Net operating income to assets | 0.0225% | 4,759 |
| Return on assets (ROA) | 0.0401% | 4,766 |
| Pretax return on assets | 0.0602% | 4,751 |
| Return on Equity (ROE) | 0.3107% | 4,764 |
| Retained earnings to average equity (ytd only) | 0.3107% | 4,244 |
| Net charge-offs to loans | -0.0139% | 4,297 |
| Credit loss provision to net charge-offs | -1,196.9388% | 3,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8016% | 299 |
| Assets per employee ($millions) | 6.9576% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6454% | 4,677 |
| Loan loss allowance to noncurrent loans | 489.9185% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 3,788 |
| Noncurrent loans to loans | 0.1317% | 3,930 |
| Net loans and leases to total assets | 85.8438% | 142 |
| Net loans and leases to deposits | 102.8004% | 423 |
| Net loans and leases to core deposits | 111.8030% | 674 |
| Total domestic deposits to total assets | 83.5053% | 2,926 |
| Equity capital to assets | 12.5239% | 1,365 |
| Core capital (leverage) ratio | 12.3284% | 1,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4592% | 1,143 |
| Memoranda: | ||
| Average total assets | $1,671,792,667 | 545 |
| Average earning assets | $1,637,700,333 | 512 |
| Average equity | $215,676,000 | 466 |
| Average total loans | $1,414,957,333 | 458 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0655% | 3,615 |
| Cost of funding earning assets | 1.0866% | 1,089 |
| Net interest margin | 2.9789% | 4,319 |
| Noninterest income to average assets | 0.2816% | 3,845 |
| Noninterest expense to average assets | 3.2346% | 1,352 |
| Loan and lease loss provision to assets | -0.0041% | 5,035 |
| Net operating income to assets | -0.0187% | 4,761 |
| Return on assets (ROA) | -0.0187% | 4,752 |
| Pretax return on assets | -0.0297% | 4,746 |
| Return on Equity (ROE) | -0.1429% | 4,751 |
| Retained earnings to average equity (ytd only) | -0.1429% | 4,017 |
| Net charge-offs to loans | -0.0151% | 4,217 |
| Credit loss provision to net charge-offs | 32.6923% | 2,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 237 |
| Assets per employee ($millions) | 5.9363% | 1,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6017% | 4,753 |
| Loan loss allowance to noncurrent loans | 404.1446% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.1595% | 3,861 |
| Noncurrent loans to loans | 0.1489% | 3,924 |
| Net loans and leases to total assets | 83.3448% | 313 |
| Net loans and leases to deposits | 96.7656% | 840 |
| Net loans and leases to core deposits | 101.2734% | 1,378 |
| Total domestic deposits to total assets | 86.1306% | 1,954 |
| Equity capital to assets | 12.9767% | 1,441 |
| Core capital (leverage) ratio | 12.7761% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8397% | 1,167 |
| Memoranda: | ||
| Average total assets | $1,644,948,500 | 535 |
| Average earning assets | $1,612,009,000 | 506 |
| Average equity | $215,465,500 | 465 |
| Average total loans | $1,377,016,000 | 457 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 3,147 |
| Cost of funding earning assets | 1.1221% | 1,252 |
| Net interest margin | 3.3143% | 3,961 |
| Noninterest income to average assets | 0.2963% | 3,910 |
| Noninterest expense to average assets | 3.4056% | 1,106 |
| Loan and lease loss provision to assets | -0.0095% | 4,933 |
| Net operating income to assets | 0.1060% | 4,923 |
| Return on assets (ROA) | 0.1060% | 4,941 |
| Pretax return on assets | 0.1495% | 4,919 |
| Return on Equity (ROE) | 0.7578% | 4,942 |
| Retained earnings to average equity (ytd only) | 0.7578% | 4,469 |
| Net charge-offs to loans | -0.0367% | 4,758 |
| Credit loss provision to net charge-offs | 29.5918% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3988% | 223 |
| Assets per employee ($millions) | 5.6128% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6139% | 4,717 |
| Loan loss allowance to noncurrent loans | 355.9676% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.1795% | 3,755 |
| Noncurrent loans to loans | 0.1725% | 3,844 |
| Net loans and leases to total assets | 83.0583% | 419 |
| Net loans and leases to deposits | 96.7233% | 866 |
| Net loans and leases to core deposits | 103.3926% | 1,283 |
| Total domestic deposits to total assets | 85.8721% | 2,113 |
| Equity capital to assets | 13.2231% | 1,405 |
| Core capital (leverage) ratio | 13.2801% | 1,125 |
| Tier 1 risk-based capital ratio | 17.6129% | 1,861 |
| Total risk-based capital ratio | 18.3330% | 1,962 |
| Memoranda: | ||
| Average total assets | $1,528,138,000 | 542 |
| Average earning assets | $1,498,172,000 | 517 |
| Average equity | $213,777,400 | 454 |
| Average total loans | $1,334,295,400 | 451 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4984% | 3,065 |
| Cost of funding earning assets | 1.1013% | 1,350 |
| Net interest margin | 3.3971% | 3,867 |
| Noninterest income to average assets | 0.2839% | 4,040 |
| Noninterest expense to average assets | 3.4808% | 970 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.0959% | 5,020 |
| Return on assets (ROA) | 0.0958% | 5,034 |
| Pretax return on assets | 0.1341% | 5,021 |
| Return on Equity (ROE) | 0.6747% | 5,038 |
| Retained earnings to average equity (ytd only) | 0.6747% | 4,631 |
| Net charge-offs to loans | -0.0595% | 4,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7016% | 204 |
| Assets per employee ($millions) | 5.5491% | 1,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6202% | 4,778 |
| Loan loss allowance to noncurrent loans | 356.6570% | 1,310 |
| Noncurrent assets plus other real estate owned to assets | 0.1889% | 3,815 |
| Noncurrent loans to loans | 0.1739% | 3,918 |
| Net loans and leases to total assets | 87.1247% | 132 |
| Net loans and leases to deposits | 101.7922% | 514 |
| Net loans and leases to core deposits | 108.4446% | 1,023 |
| Total domestic deposits to total assets | 85.5907% | 2,171 |
| Equity capital to assets | 13.5677% | 1,331 |
| Core capital (leverage) ratio | 13.5826% | 1,104 |
| Tier 1 risk-based capital ratio | 17.1316% | 2,043 |
| Total risk-based capital ratio | 17.8534% | 2,158 |
| Memoranda: | ||
| Average total assets | $1,503,242,250 | 551 |
| Average earning assets | $1,474,074,750 | 525 |
| Average equity | $213,413,000 | 455 |
| Average total loans | $1,327,792,000 | 452 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4554% | 3,165 |
| Cost of funding earning assets | 1.0519% | 1,489 |
| Net interest margin | 3.4035% | 3,885 |
| Noninterest income to average assets | 0.3161% | 3,816 |
| Noninterest expense to average assets | 3.5459% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.0786% | 5,072 |
| Return on assets (ROA) | 0.0783% | 5,080 |
| Pretax return on assets | 0.1083% | 5,068 |
| Return on Equity (ROE) | 0.5427% | 5,082 |
| Retained earnings to average equity (ytd only) | 0.5427% | 4,558 |
| Net charge-offs to loans | -0.0555% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5619% | 197 |
| Assets per employee ($millions) | 5.5362% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 4,846 |
| Loan loss allowance to noncurrent loans | 335.1622% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1997% | 3,777 |
| Noncurrent loans to loans | 0.1833% | 3,900 |
| Net loans and leases to total assets | 87.9707% | 116 |
| Net loans and leases to deposits | 103.0839% | 466 |
| Net loans and leases to core deposits | 110.1577% | 968 |
| Total domestic deposits to total assets | 85.3389% | 2,328 |
| Equity capital to assets | 13.9111% | 1,153 |
| Core capital (leverage) ratio | 13.9393% | 986 |
| Tier 1 risk-based capital ratio | 17.7129% | 1,878 |
| Total risk-based capital ratio | 18.4419% | 1,982 |
| Memoranda: | ||
| Average total assets | $1,477,156,330 | 561 |
| Average earning assets | $1,448,930,330 | 534 |
| Average equity | $213,026,330 | 452 |
| Average total loans | $1,308,230,670 | 458 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4448% | 3,066 |
| Cost of funding earning assets | 0.9423% | 1,821 |
| Net interest margin | 3.5024% | 3,585 |
| Noninterest income to average assets | 0.2381% | 4,302 |
| Noninterest expense to average assets | 3.9986% | 543 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -0.2212% | 5,210 |
| Return on assets (ROA) | -0.2218% | 5,207 |
| Pretax return on assets | -0.3247% | 5,219 |
| Return on Equity (ROE) | -1.5097% | 5,205 |
| Retained earnings to average equity (ytd only) | -1.5097% | 4,706 |
| Net charge-offs to loans | -0.0724% | 4,944 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.5654% | 114 |
| Assets per employee ($millions) | 5.4831% | 1,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6390% | 4,868 |
| Loan loss allowance to noncurrent loans | 286.1410% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 3,830 |
| Noncurrent loans to loans | 0.2233% | 3,791 |
| Net loans and leases to total assets | 87.1681% | 140 |
| Net loans and leases to deposits | 102.7427% | 460 |
| Net loans and leases to core deposits | 112.1351% | 822 |
| Total domestic deposits to total assets | 84.8411% | 2,734 |
| Equity capital to assets | 14.4456% | 896 |
| Core capital (leverage) ratio | 14.5677% | 796 |
| Tier 1 risk-based capital ratio | 18.7890% | 1,587 |
| Total risk-based capital ratio | 19.5533% | 1,667 |
| Memoranda: | ||
| Average total assets | $1,446,207,000 | 570 |
| Average earning assets | $1,419,014,500 | 537 |
| Average equity | $212,489,500 | 451 |
| Average total loans | $1,281,202,500 | 468 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2386% | 3,319 |
| Cost of funding earning assets | 0.7432% | 1,832 |
| Net interest margin | 3.4954% | 3,720 |
| Noninterest income to average assets | 0.3564% | 3,711 |
| Noninterest expense to average assets | 3.6332% | 834 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.1095% | 5,177 |
| Return on assets (ROA) | 0.1095% | 5,171 |
| Pretax return on assets | 0.1556% | 5,145 |
| Return on Equity (ROE) | 0.8844% | 5,172 |
| Retained earnings to average equity (ytd only) | 0.8844% | 4,747 |
| Net charge-offs to loans | 0.0424% | 2,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 4.1080% | 3,331 |
| Efficiency ratio | 95.6438% | 217 |
| Assets per employee ($millions) | 5.5368% | 1,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6288% | 4,927 |
| Loan loss allowance to noncurrent loans | 271.0223% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 3,792 |
| Noncurrent loans to loans | 0.2320% | 3,753 |
| Net loans and leases to total assets | 88.9179% | 83 |
| Net loans and leases to deposits | 105.5220% | 390 |
| Net loans and leases to core deposits | 114.7896% | 749 |
| Total domestic deposits to total assets | 84.2649% | 2,917 |
| Equity capital to assets | 14.9483% | 722 |
| Core capital (leverage) ratio | 14.6147% | 770 |
| Tier 1 risk-based capital ratio | 19.1152% | 1,498 |
| Total risk-based capital ratio | 19.8679% | 1,550 |
| Memoranda: | ||
| Average total assets | $1,394,138,200 | 570 |
| Average earning assets | $1,368,985,800 | 536 |
| Average equity | $172,543,600 | 507 |
| Average total loans | $1,245,394,800 | 466 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1638% | 3,424 |
| Cost of funding earning assets | 0.6987% | 1,851 |
| Net interest margin | 3.4651% | 3,820 |
| Noninterest income to average assets | 0.3536% | 3,767 |
| Noninterest expense to average assets | 3.5088% | 973 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.1791% | 5,203 |
| Return on assets (ROA) | 0.1791% | 5,197 |
| Pretax return on assets | 0.2481% | 5,174 |
| Return on Equity (ROE) | 1.5286% | 5,183 |
| Retained earnings to average equity (ytd only) | 1.5286% | 4,715 |
| Net charge-offs to loans | 0.0607% | 1,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 4.5763% | 3,046 |
| Efficiency ratio | 93.1525% | 256 |
| Assets per employee ($millions) | 5.7360% | 1,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6403% | 4,985 |
| Loan loss allowance to noncurrent loans | 261.5157% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.2160% | 3,863 |
| Noncurrent loans to loans | 0.2448% | 3,814 |
| Net loans and leases to total assets | 87.6638% | 157 |
| Net loans and leases to deposits | 99.9815% | 784 |
| Net loans and leases to core deposits | 111.1961% | 957 |
| Total domestic deposits to total assets | 87.6800% | 1,405 |
| Equity capital to assets | 11.5473% | 2,230 |
| Core capital (leverage) ratio | 11.6272% | 2,066 |
| Tier 1 risk-based capital ratio | 15.1637% | 2,809 |
| Total risk-based capital ratio | 15.9427% | 2,950 |
| Memoranda: | ||
| Average total assets | $1,386,935,750 | 569 |
| Average earning assets | $1,362,190,750 | 539 |
| Average equity | $162,503,000 | 534 |
| Average total loans | $1,238,428,000 | 465 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1030% | 3,436 |
| Cost of funding earning assets | 0.6603% | 1,868 |
| Net interest margin | 3.4426% | 3,825 |
| Noninterest income to average assets | 0.4135% | 3,400 |
| Noninterest expense to average assets | 3.3665% | 1,186 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.3047% | 5,109 |
| Return on assets (ROA) | 0.3047% | 5,105 |
| Pretax return on assets | 0.4280% | 5,017 |
| Return on Equity (ROE) | 2.5881% | 5,084 |
| Retained earnings to average equity (ytd only) | 2.5881% | 4,220 |
| Net charge-offs to loans | 0.1194% | 1,216 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.9986% | 2,832 |
| Efficiency ratio | 88.4867% | 435 |
| Assets per employee ($millions) | 5.9680% | 1,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6270% | 5,056 |
| Loan loss allowance to noncurrent loans | 251.4839% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 3,892 |
| Noncurrent loans to loans | 0.2493% | 3,805 |
| Net loans and leases to total assets | 88.4720% | 122 |
| Net loans and leases to deposits | 102.7205% | 609 |
| Net loans and leases to core deposits | 119.9730% | 564 |
| Total domestic deposits to total assets | 86.1289% | 2,219 |
| Equity capital to assets | 11.6851% | 2,071 |
| Core capital (leverage) ratio | 11.5199% | 2,054 |
| Tier 1 risk-based capital ratio | 15.4105% | 2,685 |
| Total risk-based capital ratio | 16.1843% | 2,828 |
| Memoranda: | ||
| Average total assets | $1,378,896,330 | 573 |
| Average earning assets | $1,354,191,000 | 540 |
| Average equity | $162,358,000 | 532 |
| Average total loans | $1,236,252,670 | 466 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0381% | 3,474 |
| Cost of funding earning assets | 0.6041% | 2,032 |
| Net interest margin | 3.4339% | 3,762 |
| Noninterest income to average assets | 0.5363% | 2,606 |
| Noninterest expense to average assets | 3.4404% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3413% | 5,024 |
| Return on assets (ROA) | 0.3413% | 5,029 |
| Pretax return on assets | 0.4698% | 4,922 |
| Return on Equity (ROE) | 2.8874% | 5,044 |
| Retained earnings to average equity (ytd only) | 2.8874% | 4,040 |
| Net charge-offs to loans | -0.0114% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7623% | 547 |
| Assets per employee ($millions) | 6.1796% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6899% | 5,048 |
| Loan loss allowance to noncurrent loans | 288.4551% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.2118% | 4,036 |
| Noncurrent loans to loans | 0.2392% | 3,917 |
| Net loans and leases to total assets | 87.9426% | 139 |
| Net loans and leases to deposits | 101.4261% | 618 |
| Net loans and leases to core deposits | 119.7076% | 595 |
| Total domestic deposits to total assets | 86.7060% | 2,237 |
| Equity capital to assets | 11.5722% | 2,075 |
| Core capital (leverage) ratio | 11.7119% | 1,838 |
| Tier 1 risk-based capital ratio | 15.2866% | 2,742 |
| Total risk-based capital ratio | 16.1343% | 2,862 |
| Memoranda: | ||
| Average total assets | $1,370,085,000 | 584 |
| Average earning assets | $1,346,091,500 | 549 |
| Average equity | $161,945,000 | 535 |
| Average total loans | $1,232,717,000 | 469 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9779% | 3,481 |
| Cost of funding earning assets | 0.5471% | 1,977 |
| Net interest margin | 3.4308% | 3,750 |
| Noninterest income to average assets | 0.5612% | 2,649 |
| Noninterest expense to average assets | 3.0033% | 2,163 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3717% | 4,781 |
| Return on assets (ROA) | 0.3717% | 4,798 |
| Pretax return on assets | 0.9180% | 3,851 |
| Return on Equity (ROE) | 3.0000% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.0000% | 3,503 |
| Net charge-offs to loans | -0.1559% | 5,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3327% | 1,570 |
| Assets per employee ($millions) | 5.7154% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6977% | 5,079 |
| Loan loss allowance to noncurrent loans | 302.3025% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2111% | 4,079 |
| Noncurrent loans to loans | 0.2308% | 3,983 |
| Net loans and leases to total assets | 90.8253% | 55 |
| Net loans and leases to deposits | 104.0750% | 489 |
| Net loans and leases to core deposits | 117.3366% | 674 |
| Total domestic deposits to total assets | 87.2691% | 1,871 |
| Equity capital to assets | 12.0800% | 1,779 |
| Core capital (leverage) ratio | 11.6383% | 1,840 |
| Tier 1 risk-based capital ratio | 15.5029% | 2,628 |
| Total risk-based capital ratio | 16.3644% | 2,725 |
| Memoranda: | ||
| Average total assets | $1,291,612,200 | 593 |
| Average earning assets | $1,265,002,000 | 555 |
| Average equity | $160,034,400 | 517 |
| Average total loans | $1,147,098,400 | 477 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9396% | 3,557 |
| Cost of funding earning assets | 0.5302% | 2,032 |
| Net interest margin | 3.4095% | 3,814 |
| Noninterest income to average assets | 0.5987% | 2,496 |
| Noninterest expense to average assets | 2.9209% | 2,334 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6141% | 4,339 |
| Return on assets (ROA) | 0.6141% | 4,384 |
| Pretax return on assets | 1.0146% | 3,626 |
| Return on Equity (ROE) | 4.9239% | 4,553 |
| Retained earnings to average equity (ytd only) | 4.9239% | 2,939 |
| Net charge-offs to loans | -0.2295% | 5,570 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9540% | 1,899 |
| Assets per employee ($millions) | 5.9605% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7210% | 5,093 |
| Loan loss allowance to noncurrent loans | 273.6378% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 4,123 |
| Noncurrent loans to loans | 0.2635% | 4,019 |
| Net loans and leases to total assets | 88.0300% | 153 |
| Net loans and leases to deposits | 102.1454% | 605 |
| Net loans and leases to core deposits | 126.2638% | 403 |
| Total domestic deposits to total assets | 86.1811% | 2,239 |
| Equity capital to assets | 11.9862% | 1,973 |
| Core capital (leverage) ratio | 11.6574% | 1,915 |
| Tier 1 risk-based capital ratio | 15.5468% | 2,690 |
| Total risk-based capital ratio | 16.4308% | 2,777 |
| Memoranda: | ||
| Average total assets | $1,280,164,000 | 597 |
| Average earning assets | $1,252,912,500 | 561 |
| Average equity | $159,653,250 | 521 |
| Average total loans | $1,128,064,000 | 484 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 3,582 |
| Cost of funding earning assets | 0.5058% | 2,121 |
| Net interest margin | 3.3848% | 3,827 |
| Noninterest income to average assets | 0.6699% | 2,127 |
| Noninterest expense to average assets | 2.9781% | 2,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6002% | 4,304 |
| Return on assets (ROA) | 0.6002% | 4,347 |
| Pretax return on assets | 1.0039% | 3,557 |
| Return on Equity (ROE) | 4.7460% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.7460% | 2,888 |
| Net charge-offs to loans | -0.1493% | 5,522 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5123% | 1,922 |
| Assets per employee ($millions) | 5.7665% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6518% | 5,293 |
| Loan loss allowance to noncurrent loans | 268.5947% | 1,737 |
| Noncurrent assets plus other real estate owned to assets | 0.2153% | 4,297 |
| Noncurrent loans to loans | 0.2427% | 4,163 |
| Net loans and leases to total assets | 88.1339% | 139 |
| Net loans and leases to deposits | 101.6904% | 628 |
| Net loans and leases to core deposits | 136.4703% | 229 |
| Total domestic deposits to total assets | 86.6689% | 2,104 |
| Equity capital to assets | 12.2828% | 1,741 |
| Core capital (leverage) ratio | 12.0453% | 1,606 |
| Tier 1 risk-based capital ratio | 16.0696% | 2,472 |
| Total risk-based capital ratio | 16.8779% | 2,586 |
| Memoranda: | ||
| Average total assets | $1,253,890,670 | 610 |
| Average earning assets | $1,226,963,330 | 574 |
| Average equity | $158,574,330 | 526 |
| Average total loans | $1,102,418,000 | 492 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 3,726 |
| Cost of funding earning assets | 0.5005% | 2,082 |
| Net interest margin | 3.3104% | 3,974 |
| Noninterest income to average assets | 0.7215% | 1,863 |
| Noninterest expense to average assets | 3.2546% | 1,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4292% | 4,864 |
| Return on assets (ROA) | 0.4292% | 4,882 |
| Pretax return on assets | 0.7052% | 4,438 |
| Return on Equity (ROE) | 3.3428% | 5,007 |
| Retained earnings to average equity (ytd only) | 3.3428% | 3,764 |
| Net charge-offs to loans | -0.0630% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8781% | 1,175 |
| Assets per employee ($millions) | 5.6161% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6295% | 5,432 |
| Loan loss allowance to noncurrent loans | 265.8593% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 4,366 |
| Noncurrent loans to loans | 0.2368% | 4,266 |
| Net loans and leases to total assets | 87.1648% | 149 |
| Net loans and leases to deposits | 101.2344% | 537 |
| Net loans and leases to core deposits | 123.6045% | 368 |
| Total domestic deposits to total assets | 86.1019% | 2,625 |
| Equity capital to assets | 12.6290% | 1,450 |
| Core capital (leverage) ratio | 12.3718% | 1,409 |
| Tier 1 risk-based capital ratio | 16.6628% | 2,295 |
| Total risk-based capital ratio | 17.4447% | 2,419 |
| Memoranda: | ||
| Average total assets | $1,226,338,000 | 624 |
| Average earning assets | $1,199,601,500 | 590 |
| Average equity | $157,470,500 | 527 |
| Average total loans | $1,073,008,000 | 500 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8208% | 3,831 |
| Cost of funding earning assets | 0.4396% | 2,614 |
| Net interest margin | 3.3812% | 3,885 |
| Noninterest income to average assets | 0.8369% | 1,630 |
| Noninterest expense to average assets | 3.0568% | 2,153 |
| Loan and lease loss provision to assets | -0.2988% | 5,845 |
| Net operating income to assets | 0.8208% | 3,206 |
| Return on assets (ROA) | 0.8208% | 3,305 |
| Pretax return on assets | 1.3738% | 2,033 |
| Return on Equity (ROE) | 5.7773% | 4,085 |
| Retained earnings to average equity (ytd only) | 5.7773% | 1,839 |
| Net charge-offs to loans | -0.3087% | 5,798 |
| Credit loss provision to net charge-offs | 109.4737% | 2,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7336% | 2,320 |
| Assets per employee ($millions) | 5.6351% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6440% | 5,459 |
| Loan loss allowance to noncurrent loans | 256.2096% | 1,855 |
| Noncurrent assets plus other real estate owned to assets | 0.2527% | 4,293 |
| Noncurrent loans to loans | 0.2514% | 4,253 |
| Net loans and leases to total assets | 86.7053% | 196 |
| Net loans and leases to deposits | 100.9128% | 609 |
| Net loans and leases to core deposits | 126.8587% | 331 |
| Total domestic deposits to total assets | 85.9210% | 2,619 |
| Equity capital to assets | 13.0616% | 1,230 |
| Core capital (leverage) ratio | 12.6947% | 1,255 |
| Tier 1 risk-based capital ratio | 17.2260% | 2,083 |
| Total risk-based capital ratio | 18.0198% | 2,190 |
| Memoranda: | ||
| Average total assets | $1,078,816,400 | 668 |
| Average earning assets | $1,051,242,400 | 627 |
| Average equity | $153,271,000 | 519 |
| Average total loans | $954,065,200 | 533 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8243% | 3,854 |
| Cost of funding earning assets | 0.4181% | 2,858 |
| Net interest margin | 3.4062% | 3,818 |
| Noninterest income to average assets | 0.8683% | 1,518 |
| Noninterest expense to average assets | 2.9937% | 2,335 |
| Loan and lease loss provision to assets | -0.3412% | 5,919 |
| Net operating income to assets | 0.9221% | 2,801 |
| Return on assets (ROA) | 0.9221% | 2,924 |
| Pretax return on assets | 1.5321% | 1,602 |
| Return on Equity (ROE) | 6.3439% | 3,905 |
| Retained earnings to average equity (ytd only) | 6.3439% | 1,987 |
| Net charge-offs to loans | -0.3818% | 5,862 |
| Credit loss provision to net charge-offs | 100.6754% | 2,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2879% | 2,686 |
| Assets per employee ($millions) | 5.3974% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6954% | 5,438 |
| Loan loss allowance to noncurrent loans | 358.0480% | 1,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 4,569 |
| Noncurrent loans to loans | 0.1942% | 4,572 |
| Net loans and leases to total assets | 88.2798% | 119 |
| Net loans and leases to deposits | 104.0965% | 451 |
| Net loans and leases to core deposits | 123.4462% | 428 |
| Total domestic deposits to total assets | 84.8058% | 2,894 |
| Equity capital to assets | 13.7420% | 1,146 |
| Core capital (leverage) ratio | 13.5240% | 988 |
| Tier 1 risk-based capital ratio | 17.3197% | 2,122 |
| Total risk-based capital ratio | 18.1573% | 2,214 |
| Memoranda: | ||
| Average total assets | $1,048,449,000 | 690 |
| Average earning assets | $1,020,780,500 | 646 |
| Average equity | $152,394,500 | 523 |
| Average total loans | $930,717,000 | 544 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 3,873 |
| Cost of funding earning assets | 0.4137% | 2,900 |
| Net interest margin | 3.4107% | 3,847 |
| Noninterest income to average assets | 0.8756% | 1,453 |
| Noninterest expense to average assets | 3.0777% | 2,120 |
| Loan and lease loss provision to assets | -0.5260% | 6,023 |
| Net operating income to assets | 1.0367% | 2,229 |
| Return on assets (ROA) | 1.0367% | 2,360 |
| Pretax return on assets | 1.6455% | 1,231 |
| Return on Equity (ROE) | 6.9914% | 3,545 |
| Retained earnings to average equity (ytd only) | 6.9914% | 1,605 |
| Net charge-offs to loans | -0.5058% | 5,943 |
| Credit loss provision to net charge-offs | 117.2128% | 1,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0661% | 2,506 |
| Assets per employee ($millions) | 5.0302% | 2,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6991% | 5,522 |
| Loan loss allowance to noncurrent loans | 295.7627% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2309% | 4,565 |
| Noncurrent loans to loans | 0.2364% | 4,497 |
| Net loans and leases to total assets | 89.5922% | 78 |
| Net loans and leases to deposits | 107.8734% | 304 |
| Net loans and leases to core deposits | 114.6287% | 699 |
| Total domestic deposits to total assets | 83.0531% | 3,632 |
| Equity capital to assets | 14.6395% | 833 |
| Core capital (leverage) ratio | 14.0971% | 796 |
| Tier 1 risk-based capital ratio | 18.0162% | 1,929 |
| Total risk-based capital ratio | 18.8512% | 2,010 |
| Memoranda: | ||
| Average total assets | $1,020,111,000 | 705 |
| Average earning assets | $993,448,330 | 665 |
| Average equity | $151,272,330 | 524 |
| Average total loans | $905,080,670 | 556 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8629% | 3,721 |
| Cost of funding earning assets | 0.4284% | 2,779 |
| Net interest margin | 3.4345% | 3,743 |
| Noninterest income to average assets | 0.8788% | 1,360 |
| Noninterest expense to average assets | 3.2633% | 1,683 |
| Loan and lease loss provision to assets | -0.8999% | 6,103 |
| Net operating income to assets | 1.1767% | 1,626 |
| Return on assets (ROA) | 1.1767% | 1,729 |
| Pretax return on assets | 1.8612% | 752 |
| Return on Equity (ROE) | 7.8824% | 2,983 |
| Retained earnings to average equity (ytd only) | 7.8824% | 1,508 |
| Net charge-offs to loans | -0.9573% | 6,042 |
| Credit loss provision to net charge-offs | 106.9063% | 1,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9630% | 2,047 |
| Assets per employee ($millions) | 4.9083% | 2,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7785% | 5,422 |
| Loan loss allowance to noncurrent loans | 289.5623% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 4,553 |
| Noncurrent loans to loans | 0.2688% | 4,472 |
| Net loans and leases to total assets | 85.8918% | 223 |
| Net loans and leases to deposits | 102.7714% | 477 |
| Net loans and leases to core deposits | 109.0818% | 900 |
| Total domestic deposits to total assets | 83.5756% | 3,683 |
| Equity capital to assets | 14.8346% | 734 |
| Core capital (leverage) ratio | 14.0977% | 787 |
| Tier 1 risk-based capital ratio | 19.1576% | 1,694 |
| Total risk-based capital ratio | 20.0951% | 1,734 |
| Memoranda: | ||
| Average total assets | $1,004,510,000 | 718 |
| Average earning assets | $978,542,500 | 675 |
| Average equity | $149,955,000 | 525 |
| Average total loans | $883,358,500 | 566 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6240% | 4,608 |
| Cost of funding earning assets | 0.4802% | 2,350 |
| Net interest margin | 3.1438% | 4,794 |
| Noninterest income to average assets | 1.0276% | 1,123 |
| Noninterest expense to average assets | 3.2772% | 1,768 |
| Loan and lease loss provision to assets | -0.2498% | 6,027 |
| Net operating income to assets | 0.6378% | 4,101 |
| Return on assets (ROA) | 0.6382% | 4,180 |
| Pretax return on assets | 1.0571% | 3,235 |
| Return on Equity (ROE) | 4.3672% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.3672% | 2,873 |
| Net charge-offs to loans | 0.1290% | 2,085 |
| Credit loss provision to net charge-offs | -228.5451% | 5,292 |
| Earnings coverage of net charge-offs (x) | 7.3821% | 3,087 |
| Efficiency ratio | 79.7772% | 1,707 |
| Assets per employee ($millions) | 4.8916% | 2,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7956% | 5,418 |
| Loan loss allowance to noncurrent loans | 157.0534% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.4984% | 3,641 |
| Noncurrent loans to loans | 0.5066% | 3,666 |
| Net loans and leases to total assets | 88.6474% | 105 |
| Net loans and leases to deposits | 105.4560% | 380 |
| Net loans and leases to core deposits | 113.3001% | 717 |
| Total domestic deposits to total assets | 84.0610% | 3,453 |
| Equity capital to assets | 15.0249% | 663 |
| Core capital (leverage) ratio | 14.0193% | 812 |
| Tier 1 risk-based capital ratio | 18.8783% | 1,730 |
| Total risk-based capital ratio | 19.8403% | 1,757 |
| Memoranda: | ||
| Average total assets | $993,572,000 | 693 |
| Average earning assets | $965,971,200 | 656 |
| Average equity | $145,196,600 | 523 |
| Average total loans | $841,828,400 | 560 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 4,837 |
| Cost of funding earning assets | 0.4871% | 2,343 |
| Net interest margin | 3.0773% | 5,015 |
| Noninterest income to average assets | 1.0139% | 1,157 |
| Noninterest expense to average assets | 3.2071% | 1,950 |
| Loan and lease loss provision to assets | -0.0969% | 5,993 |
| Net operating income to assets | 0.6170% | 4,301 |
| Return on assets (ROA) | 0.6175% | 4,403 |
| Pretax return on assets | 0.8944% | 3,999 |
| Return on Equity (ROE) | 4.2553% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.2553% | 3,436 |
| Net charge-offs to loans | 0.0824% | 2,373 |
| Credit loss provision to net charge-offs | -140.6615% | 5,102 |
| Earnings coverage of net charge-offs (x) | 11.5700% | 2,475 |
| Efficiency ratio | 79.5609% | 1,722 |
| Assets per employee ($millions) | 5.0070% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1021% | 4,219 |
| Loan loss allowance to noncurrent loans | 163.4410% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 3,458 |
| Noncurrent loans to loans | 0.6743% | 3,304 |
| Net loans and leases to total assets | 82.6107% | 510 |
| Net loans and leases to deposits | 99.1061% | 717 |
| Net loans and leases to core deposits | 105.7648% | 1,119 |
| Total domestic deposits to total assets | 83.3558% | 3,677 |
| Equity capital to assets | 14.4413% | 876 |
| Core capital (leverage) ratio | 13.6802% | 949 |
| Tier 1 risk-based capital ratio | 19.1348% | 1,740 |
| Total risk-based capital ratio | 20.3960% | 1,703 |
| Memoranda: | ||
| Average total assets | $994,940,000 | 699 |
| Average earning assets | $966,748,000 | 665 |
| Average equity | $144,380,500 | 527 |
| Average total loans | $831,548,000 | 566 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5929% | 4,733 |
| Cost of funding earning assets | 0.4974% | 2,277 |
| Net interest margin | 3.0955% | 4,978 |
| Noninterest income to average assets | 1.0045% | 1,169 |
| Noninterest expense to average assets | 3.2716% | 1,783 |
| Loan and lease loss provision to assets | -0.0089% | 5,958 |
| Net operating income to assets | 0.5276% | 4,657 |
| Return on assets (ROA) | 0.5285% | 4,762 |
| Pretax return on assets | 0.7506% | 4,494 |
| Return on Equity (ROE) | 3.6356% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.6356% | 3,712 |
| Net charge-offs to loans | 0.0247% | 3,180 |
| Credit loss provision to net charge-offs | -43.1373% | 4,802 |
| Earnings coverage of net charge-offs (x) | 35.8725% | 1,210 |
| Efficiency ratio | 80.9154% | 1,632 |
| Assets per employee ($millions) | 4.8336% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 3,475 |
| Loan loss allowance to noncurrent loans | 99.2024% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.0916% | 2,329 |
| Noncurrent loans to loans | 1.2668% | 2,127 |
| Net loans and leases to total assets | 80.1101% | 786 |
| Net loans and leases to deposits | 95.8266% | 979 |
| Net loans and leases to core deposits | 101.9289% | 1,331 |
| Total domestic deposits to total assets | 83.5990% | 3,731 |
| Equity capital to assets | 14.1366% | 941 |
| Core capital (leverage) ratio | 13.6282% | 949 |
| Tier 1 risk-based capital ratio | 18.8155% | 1,837 |
| Total risk-based capital ratio | 20.0785% | 1,806 |
| Memoranda: | ||
| Average total assets | $987,777,670 | 706 |
| Average earning assets | $959,841,670 | 670 |
| Average equity | $143,579,000 | 528 |
| Average total loans | $825,719,330 | 567 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6835% | 4,425 |
| Cost of funding earning assets | 0.5086% | 2,216 |
| Net interest margin | 3.1750% | 4,693 |
| Noninterest income to average assets | 0.9562% | 1,218 |
| Noninterest expense to average assets | 3.5147% | 1,274 |
| Loan and lease loss provision to assets | -0.3017% | 6,309 |
| Net operating income to assets | 0.5645% | 4,431 |
| Return on assets (ROA) | 0.5662% | 4,522 |
| Pretax return on assets | 0.8286% | 4,134 |
| Return on Equity (ROE) | 3.8394% | 5,047 |
| Retained earnings to average equity (ytd only) | 3.8394% | 3,700 |
| Net charge-offs to loans | -0.0267% | 5,183 |
| Credit loss provision to net charge-offs | 1,329.0909% | 273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3432% | 1,149 |
| Assets per employee ($millions) | 4.6764% | 2,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2161% | 3,869 |
| Loan loss allowance to noncurrent loans | 135.5659% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.8721% | 2,895 |
| Noncurrent loans to loans | 0.8970% | 2,990 |
| Net loans and leases to total assets | 82.8285% | 391 |
| Net loans and leases to deposits | 98.6929% | 638 |
| Net loans and leases to core deposits | 105.5421% | 967 |
| Total domestic deposits to total assets | 83.9255% | 3,845 |
| Equity capital to assets | 14.7460% | 765 |
| Core capital (leverage) ratio | 13.7602% | 892 |
| Tier 1 risk-based capital ratio | 19.0587% | 1,849 |
| Total risk-based capital ratio | 20.3110% | 1,810 |
| Memoranda: | ||
| Average total assets | $969,303,500 | 717 |
| Average earning assets | $941,492,000 | 680 |
| Average equity | $142,938,000 | 532 |
| Average total loans | $822,900,500 | 562 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7833% | 4,539 |
| Cost of funding earning assets | 0.5436% | 2,260 |
| Net interest margin | 3.2396% | 4,793 |
| Noninterest income to average assets | 0.8546% | 1,662 |
| Noninterest expense to average assets | 3.2677% | 2,014 |
| Loan and lease loss provision to assets | -0.3035% | 6,372 |
| Net operating income to assets | 0.5917% | 4,410 |
| Return on assets (ROA) | 0.6023% | 4,449 |
| Pretax return on assets | 1.0269% | 3,394 |
| Return on Equity (ROE) | 4.2936% | 4,984 |
| Retained earnings to average equity (ytd only) | 4.2936% | 3,133 |
| Net charge-offs to loans | 0.0517% | 3,796 |
| Credit loss provision to net charge-offs | -734.2233% | 5,854 |
| Earnings coverage of net charge-offs (x) | 17.3083% | 1,931 |
| Efficiency ratio | 81.3566% | 1,730 |
| Assets per employee ($millions) | 4.5348% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 3,564 |
| Loan loss allowance to noncurrent loans | 212.2621% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6497% | 3,620 |
| Noncurrent loans to loans | 0.6012% | 3,868 |
| Net loans and leases to total assets | 84.8545% | 287 |
| Net loans and leases to deposits | 101.0345% | 567 |
| Net loans and leases to core deposits | 108.1141% | 884 |
| Total domestic deposits to total assets | 83.9857% | 3,721 |
| Equity capital to assets | 14.7469% | 747 |
| Core capital (leverage) ratio | 13.4104% | 999 |
| Tier 1 risk-based capital ratio | 18.8273% | 1,899 |
| Total risk-based capital ratio | 20.0808% | 1,859 |
| Memoranda: | ||
| Average total assets | $996,789,400 | 681 |
| Average earning assets | $962,581,000 | 637 |
| Average equity | $139,835,200 | 521 |
| Average total loans | $797,609,200 | 554 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7463% | 4,723 |
| Cost of funding earning assets | 0.5468% | 2,321 |
| Net interest margin | 3.1995% | 4,971 |
| Noninterest income to average assets | 0.8277% | 1,787 |
| Noninterest expense to average assets | 3.1321% | 2,376 |
| Loan and lease loss provision to assets | -0.2032% | 6,391 |
| Net operating income to assets | 0.6419% | 4,250 |
| Return on assets (ROA) | 0.6558% | 4,289 |
| Pretax return on assets | 0.9956% | 3,611 |
| Return on Equity (ROE) | 4.7332% | 4,845 |
| Retained earnings to average equity (ytd only) | 4.7332% | 3,256 |
| Net charge-offs to loans | 0.0684% | 3,219 |
| Credit loss provision to net charge-offs | -378.0247% | 5,692 |
| Earnings coverage of net charge-offs (x) | 14.5431% | 2,136 |
| Efficiency ratio | 79.3367% | 2,004 |
| Assets per employee ($millions) | 4.6110% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 2,846 |
| Loan loss allowance to noncurrent loans | 313.5857% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 4,144 |
| Noncurrent loans to loans | 0.4695% | 4,500 |
| Net loans and leases to total assets | 81.6457% | 547 |
| Net loans and leases to deposits | 96.9129% | 802 |
| Net loans and leases to core deposits | 104.1081% | 1,098 |
| Total domestic deposits to total assets | 84.2465% | 3,662 |
| Equity capital to assets | 14.2600% | 924 |
| Core capital (leverage) ratio | 12.8074% | 1,262 |
| Tier 1 risk-based capital ratio | 18.1152% | 2,179 |
| Total risk-based capital ratio | 19.3713% | 2,134 |
| Memoranda: | ||
| Average total assets | $1,004,507,250 | 670 |
| Average earning assets | $968,922,000 | 625 |
| Average equity | $139,183,250 | 525 |
| Average total loans | $789,456,750 | 558 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,684 |
| Cost of funding earning assets | 0.5485% | 2,363 |
| Net interest margin | 3.2034% | 4,937 |
| Noninterest income to average assets | 0.7920% | 1,867 |
| Noninterest expense to average assets | 3.1244% | 2,413 |
| Loan and lease loss provision to assets | -0.4262% | 6,567 |
| Net operating income to assets | 0.8197% | 3,236 |
| Return on assets (ROA) | 0.8496% | 3,175 |
| Pretax return on assets | 1.2116% | 2,619 |
| Return on Equity (ROE) | 6.1912% | 4,054 |
| Retained earnings to average equity (ytd only) | 6.1912% | 2,219 |
| Net charge-offs to loans | 0.0470% | 3,306 |
| Credit loss provision to net charge-offs | -1,174.8634% | 5,744 |
| Earnings coverage of net charge-offs (x) | 20.8251% | 1,570 |
| Efficiency ratio | 79.8181% | 2,047 |
| Assets per employee ($millions) | 4.8194% | 2,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 3,126 |
| Loan loss allowance to noncurrent loans | 683.6937% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 5,026 |
| Noncurrent loans to loans | 0.2117% | 5,383 |
| Net loans and leases to total assets | 78.7171% | 826 |
| Net loans and leases to deposits | 93.2889% | 1,027 |
| Net loans and leases to core deposits | 101.1693% | 1,192 |
| Total domestic deposits to total assets | 84.3799% | 3,791 |
| Equity capital to assets | 13.9172% | 1,003 |
| Core capital (leverage) ratio | 12.6826% | 1,293 |
| Tier 1 risk-based capital ratio | 18.5566% | 2,049 |
| Total risk-based capital ratio | 19.8126% | 2,003 |
| Memoranda: | ||
| Average total assets | $1,008,890,330 | 663 |
| Average earning assets | $972,543,000 | 617 |
| Average equity | $138,455,000 | 526 |
| Average total loans | $778,777,000 | 560 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7718% | 4,600 |
| Cost of funding earning assets | 0.5471% | 2,446 |
| Net interest margin | 3.2247% | 4,841 |
| Noninterest income to average assets | 0.8141% | 1,696 |
| Noninterest expense to average assets | 3.0347% | 2,751 |
| Loan and lease loss provision to assets | -0.6385% | 6,682 |
| Net operating income to assets | 0.8736% | 2,774 |
| Return on assets (ROA) | 0.9320% | 2,567 |
| Pretax return on assets | 1.5825% | 1,209 |
| Return on Equity (ROE) | 6.8398% | 3,564 |
| Retained earnings to average equity (ytd only) | 6.8398% | 2,122 |
| Net charge-offs to loans | 0.0257% | 3,057 |
| Credit loss provision to net charge-offs | -3,281.6327% | 5,554 |
| Earnings coverage of net charge-offs (x) | 45.5102% | 811 |
| Efficiency ratio | 76.6309% | 2,708 |
| Assets per employee ($millions) | 4.9974% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5929% | 2,735 |
| Loan loss allowance to noncurrent loans | 384.2857% | 1,197 |
| Noncurrent assets plus other real estate owned to assets | 0.6194% | 4,266 |
| Noncurrent loans to loans | 0.4145% | 4,893 |
| Net loans and leases to total assets | 74.2550% | 1,232 |
| Net loans and leases to deposits | 87.2533% | 1,442 |
| Net loans and leases to core deposits | 95.4919% | 1,427 |
| Total domestic deposits to total assets | 85.1028% | 3,822 |
| Equity capital to assets | 13.5010% | 1,097 |
| Core capital (leverage) ratio | 12.5602% | 1,362 |
| Tier 1 risk-based capital ratio | 18.9086% | 1,990 |
| Total risk-based capital ratio | 20.1665% | 1,953 |
| Memoranda: | ||
| Average total assets | $1,007,295,000 | 669 |
| Average earning assets | $970,261,000 | 626 |
| Average equity | $137,256,000 | 533 |
| Average total loans | $763,976,000 | 571 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 4,504 |
| Cost of funding earning assets | 0.5666% | 2,960 |
| Net interest margin | 3.3211% | 4,584 |
| Noninterest income to average assets | 0.9388% | 1,552 |
| Noninterest expense to average assets | 3.3478% | 2,007 |
| Loan and lease loss provision to assets | -0.3750% | 6,711 |
| Net operating income to assets | 2.5761% | 157 |
| Return on assets (ROA) | 2.5918% | 159 |
| Pretax return on assets | 1.2017% | 2,576 |
| Return on Equity (ROE) | 20.9216% | 241 |
| Retained earnings to average equity (ytd only) | 20.9216% | 73 |
| Net charge-offs to loans | 0.4136% | 1,620 |
| Credit loss provision to net charge-offs | -118.9399% | 5,908 |
| Earnings coverage of net charge-offs (x) | 2.5721% | 4,145 |
| Efficiency ratio | 79.3850% | 2,257 |
| Assets per employee ($millions) | 4.6911% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8679% | 1,858 |
| Loan loss allowance to noncurrent loans | 421.7313% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6988% | 4,155 |
| Noncurrent loans to loans | 0.4429% | 4,894 |
| Net loans and leases to total assets | 74.8248% | 1,241 |
| Net loans and leases to deposits | 87.6503% | 1,504 |
| Net loans and leases to core deposits | 96.1632% | 1,444 |
| Total domestic deposits to total assets | 85.3674% | 3,567 |
| Equity capital to assets | 13.7570% | 982 |
| Core capital (leverage) ratio | 12.5823% | 1,314 |
| Tier 1 risk-based capital ratio | 19.2544% | 1,846 |
| Total risk-based capital ratio | 20.5166% | 1,809 |
| Memoranda: | ||
| Average total assets | $981,311,400 | 670 |
| Average earning assets | $951,390,400 | 624 |
| Average equity | $121,568,200 | 579 |
| Average total loans | $748,106,200 | 564 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9172% | 4,436 |
| Cost of funding earning assets | 0.5630% | 3,144 |
| Net interest margin | 3.3543% | 4,448 |
| Noninterest income to average assets | 0.9755% | 1,520 |
| Noninterest expense to average assets | 3.2726% | 2,137 |
| Loan and lease loss provision to assets | -0.4687% | 6,824 |
| Net operating income to assets | 1.4299% | 1,032 |
| Return on assets (ROA) | 1.4483% | 1,042 |
| Pretax return on assets | 1.4483% | 1,770 |
| Return on Equity (ROE) | 12.0244% | 1,468 |
| Retained earnings to average equity (ytd only) | 12.0244% | 423 |
| Net charge-offs to loans | 0.4465% | 1,435 |
| Credit loss provision to net charge-offs | -137.6748% | 5,830 |
| Earnings coverage of net charge-offs (x) | 2.8238% | 3,893 |
| Efficiency ratio | 76.2006% | 2,702 |
| Assets per employee ($millions) | 4.6689% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0045% | 1,709 |
| Loan loss allowance to noncurrent loans | 385.8701% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.8336% | 4,031 |
| Noncurrent loans to loans | 0.5195% | 4,895 |
| Net loans and leases to total assets | 73.7214% | 1,328 |
| Net loans and leases to deposits | 84.9689% | 1,747 |
| Net loans and leases to core deposits | 92.9328% | 1,681 |
| Total domestic deposits to total assets | 86.7627% | 2,819 |
| Equity capital to assets | 12.3489% | 1,673 |
| Core capital (leverage) ratio | 12.5378% | 1,405 |
| Tier 1 risk-based capital ratio | 20.0837% | 1,717 |
| Total risk-based capital ratio | 21.3491% | 1,687 |
| Memoranda: | ||
| Average total assets | $980,357,500 | 670 |
| Average earning assets | $952,317,500 | 627 |
| Average equity | $118,079,250 | 608 |
| Average total loans | $747,345,250 | 563 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 4,115 |
| Cost of funding earning assets | 0.5608% | 3,300 |
| Net interest margin | 3.4387% | 4,049 |
| Noninterest income to average assets | 0.9980% | 1,544 |
| Noninterest expense to average assets | 3.2465% | 2,223 |
| Loan and lease loss provision to assets | -0.5891% | 6,882 |
| Net operating income to assets | 1.6774% | 650 |
| Return on assets (ROA) | 1.7044% | 670 |
| Pretax return on assets | 1.7044% | 1,104 |
| Return on Equity (ROE) | 14.2718% | 951 |
| Retained earnings to average equity (ytd only) | 14.2718% | 286 |
| Net charge-offs to loans | 0.4113% | 1,575 |
| Credit loss provision to net charge-offs | -187.0863% | 5,719 |
| Earnings coverage of net charge-offs (x) | 3.4562% | 3,381 |
| Efficiency ratio | 73.7626% | 3,174 |
| Assets per employee ($millions) | 4.8254% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2471% | 1,341 |
| Loan loss allowance to noncurrent loans | 397.5728% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8837% | 4,030 |
| Noncurrent loans to loans | 0.5652% | 4,850 |
| Net loans and leases to total assets | 72.0350% | 1,572 |
| Net loans and leases to deposits | 82.7201% | 1,959 |
| Net loans and leases to core deposits | 90.7980% | 1,831 |
| Total domestic deposits to total assets | 87.0828% | 2,767 |
| Equity capital to assets | 12.1355% | 1,820 |
| Core capital (leverage) ratio | 12.0262% | 1,604 |
| Tier 1 risk-based capital ratio | 19.7379% | 1,783 |
| Total risk-based capital ratio | 21.0065% | 1,756 |
| Memoranda: | ||
| Average total assets | $978,762,670 | 673 |
| Average earning assets | $949,774,000 | 629 |
| Average equity | $116,887,670 | 614 |
| Average total loans | $749,421,670 | 557 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1326% | 3,591 |
| Cost of funding earning assets | 0.5638% | 3,440 |
| Net interest margin | 3.5687% | 3,388 |
| Noninterest income to average assets | 0.9832% | 1,511 |
| Noninterest expense to average assets | 3.3506% | 1,955 |
| Loan and lease loss provision to assets | -0.4302% | 6,947 |
| Net operating income to assets | 1.5215% | 823 |
| Return on assets (ROA) | 1.5215% | 897 |
| Pretax return on assets | 1.5215% | 1,512 |
| Return on Equity (ROE) | 12.8455% | 1,207 |
| Retained earnings to average equity (ytd only) | 12.8455% | 578 |
| Net charge-offs to loans | 0.5187% | 1,156 |
| Credit loss provision to net charge-offs | -106.2944% | 5,152 |
| Earnings coverage of net charge-offs (x) | 2.6964% | 2,968 |
| Efficiency ratio | 74.2947% | 3,216 |
| Assets per employee ($millions) | 4.6873% | 2,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5330% | 1,076 |
| Loan loss allowance to noncurrent loans | 394.4526% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 3,874 |
| Noncurrent loans to loans | 0.6422% | 4,839 |
| Net loans and leases to total assets | 74.0866% | 1,065 |
| Net loans and leases to deposits | 85.1243% | 1,456 |
| Net loans and leases to core deposits | 94.1487% | 1,337 |
| Total domestic deposits to total assets | 87.0335% | 2,943 |
| Equity capital to assets | 12.0114% | 2,032 |
| Core capital (leverage) ratio | 11.7452% | 1,710 |
| Tier 1 risk-based capital ratio | 18.1801% | 2,292 |
| Total risk-based capital ratio | 19.4519% | 2,252 |
| Memoranda: | ||
| Average total assets | $973,543,000 | 681 |
| Average earning assets | $943,530,000 | 639 |
| Average equity | $115,309,000 | 631 |
| Average total loans | $759,656,500 | 547 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 1,760 |
| Cost of funding earning assets | 0.7698% | 2,918 |
| Net interest margin | 4.1553% | 1,797 |
| Noninterest income to average assets | 1.0941% | 1,292 |
| Noninterest expense to average assets | 3.6006% | 1,607 |
| Loan and lease loss provision to assets | -0.4796% | 7,039 |
| Net operating income to assets | 1.7530% | 556 |
| Return on assets (ROA) | 1.7491% | 623 |
| Pretax return on assets | 1.7747% | 966 |
| Return on Equity (ROE) | 16.2684% | 622 |
| Retained earnings to average equity (ytd only) | 16.2684% | 116 |
| Net charge-offs to loans | 0.9299% | 1,206 |
| Credit loss provision to net charge-offs | -64.1057% | 6,294 |
| Earnings coverage of net charge-offs (x) | 1.7365% | 4,566 |
| Efficiency ratio | 72.5230% | 3,319 |
| Assets per employee ($millions) | 4.5215% | 2,919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6734% | 955 |
| Loan loss allowance to noncurrent loans | 351.3171% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 1.2347% | 3,589 |
| Noncurrent loans to loans | 0.7610% | 4,663 |
| Net loans and leases to total assets | 77.9139% | 687 |
| Net loans and leases to deposits | 89.0496% | 1,157 |
| Net loans and leases to core deposits | 98.6015% | 1,101 |
| Total domestic deposits to total assets | 87.4949% | 2,528 |
| Equity capital to assets | 11.6766% | 2,288 |
| Core capital (leverage) ratio | 10.9117% | 2,328 |
| Tier 1 risk-based capital ratio | 16.8168% | 2,739 |
| Total risk-based capital ratio | 18.0907% | 2,692 |
| Memoranda: | ||
| Average total assets | $970,809,000 | 673 |
| Average earning assets | $889,097,600 | 668 |
| Average equity | $104,374,000 | 678 |
| Average total loans | $781,026,200 | 523 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0627% | 1,521 |
| Cost of funding earning assets | 0.8075% | 2,879 |
| Net interest margin | 4.2551% | 1,586 |
| Noninterest income to average assets | 1.1032% | 1,236 |
| Noninterest expense to average assets | 3.4724% | 1,823 |
| Loan and lease loss provision to assets | -0.3523% | 7,130 |
| Net operating income to assets | 1.8235% | 541 |
| Return on assets (ROA) | 1.8235% | 605 |
| Pretax return on assets | 1.8235% | 990 |
| Return on Equity (ROE) | 17.3347% | 569 |
| Retained earnings to average equity (ytd only) | 17.3347% | 142 |
| Net charge-offs to loans | 1.1637% | 860 |
| Credit loss provision to net charge-offs | -37.5788% | 6,152 |
| Earnings coverage of net charge-offs (x) | 1.5695% | 4,497 |
| Efficiency ratio | 69.2919% | 3,816 |
| Assets per employee ($millions) | 4.5085% | 2,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0065% | 707 |
| Loan loss allowance to noncurrent loans | 296.5938% | 1,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6420% | 3,118 |
| Noncurrent loans to loans | 1.0137% | 4,425 |
| Net loans and leases to total assets | 77.6657% | 768 |
| Net loans and leases to deposits | 88.4436% | 1,300 |
| Net loans and leases to core deposits | 99.1078% | 1,185 |
| Total domestic deposits to total assets | 87.8138% | 2,165 |
| Equity capital to assets | 11.2692% | 2,963 |
| Core capital (leverage) ratio | 10.9658% | 2,422 |
| Tier 1 risk-based capital ratio | 16.3889% | 3,070 |
| Total risk-based capital ratio | 17.6682% | 3,013 |
| Memoranda: | ||
| Average total assets | $970,478,500 | 683 |
| Average earning assets | $875,906,500 | 686 |
| Average equity | $102,089,500 | 701 |
| Average total loans | $781,725,250 | 516 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1123% | 1,470 |
| Cost of funding earning assets | 0.8347% | 2,911 |
| Net interest margin | 4.2776% | 1,524 |
| Noninterest income to average assets | 1.1112% | 1,160 |
| Noninterest expense to average assets | 3.4841% | 1,819 |
| Loan and lease loss provision to assets | -0.0840% | 7,098 |
| Net operating income to assets | 1.5782% | 872 |
| Return on assets (ROA) | 1.5782% | 979 |
| Pretax return on assets | 1.5782% | 1,614 |
| Return on Equity (ROE) | 15.3670% | 871 |
| Retained earnings to average equity (ytd only) | 15.3670% | 261 |
| Net charge-offs to loans | 1.6762% | 550 |
| Credit loss provision to net charge-offs | -6.2129% | 5,919 |
| Earnings coverage of net charge-offs (x) | 1.1045% | 4,462 |
| Efficiency ratio | 69.0350% | 3,934 |
| Assets per employee ($millions) | 4.4879% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2515% | 618 |
| Loan loss allowance to noncurrent loans | 267.6786% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 1.8765% | 2,936 |
| Noncurrent loans to loans | 1.2147% | 4,122 |
| Net loans and leases to total assets | 79.3998% | 572 |
| Net loans and leases to deposits | 90.1888% | 1,127 |
| Net loans and leases to core deposits | 103.1818% | 908 |
| Total domestic deposits to total assets | 88.0373% | 2,116 |
| Equity capital to assets | 10.7589% | 3,381 |
| Core capital (leverage) ratio | 10.2342% | 3,106 |
| Tier 1 risk-based capital ratio | 15.5141% | 3,431 |
| Total risk-based capital ratio | 16.7979% | 3,369 |
| Memoranda: | ||
| Average total assets | $970,860,000 | 684 |
| Average earning assets | $877,694,000 | 684 |
| Average equity | $99,707,330 | 720 |
| Average total loans | $783,575,000 | 513 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2231% | 1,267 |
| Cost of funding earning assets | 0.8794% | 2,840 |
| Net interest margin | 4.3437% | 1,348 |
| Noninterest income to average assets | 1.1024% | 1,165 |
| Noninterest expense to average assets | 3.6791% | 1,412 |
| Loan and lease loss provision to assets | 0.4502% | 1,376 |
| Net operating income to assets | 0.8544% | 3,133 |
| Return on assets (ROA) | 0.8544% | 3,370 |
| Pretax return on assets | 0.8544% | 4,215 |
| Return on Equity (ROE) | 8.5198% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.5198% | 1,772 |
| Net charge-offs to loans | 2.2453% | 395 |
| Credit loss provision to net charge-offs | 25.0514% | 3,708 |
| Earnings coverage of net charge-offs (x) | 0.7259% | 3,974 |
| Efficiency ratio | 72.8591% | 3,278 |
| Assets per employee ($millions) | 4.6687% | 2,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7251% | 456 |
| Loan loss allowance to noncurrent loans | 261.5152% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 2.0299% | 2,856 |
| Noncurrent loans to loans | 1.4244% | 3,973 |
| Net loans and leases to total assets | 76.8843% | 709 |
| Net loans and leases to deposits | 86.6743% | 1,330 |
| Net loans and leases to core deposits | 101.4904% | 889 |
| Total domestic deposits to total assets | 88.7049% | 1,883 |
| Equity capital to assets | 9.9564% | 4,178 |
| Core capital (leverage) ratio | 9.7392% | 3,718 |
| Tier 1 risk-based capital ratio | 14.6386% | 3,995 |
| Total risk-based capital ratio | 15.9295% | 3,928 |
| Memoranda: | ||
| Average total assets | $973,837,000 | 680 |
| Average earning assets | $870,129,000 | 691 |
| Average equity | $97,654,500 | 731 |
| Average total loans | $779,422,000 | 514 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5242% | 1,111 |
| Cost of funding earning assets | 1.0836% | 2,781 |
| Net interest margin | 4.4405% | 1,285 |
| Noninterest income to average assets | 1.1649% | 969 |
| Noninterest expense to average assets | 3.6484% | 1,642 |
| Loan and lease loss provision to assets | 1.2056% | 731 |
| Net operating income to assets | 0.2781% | 5,337 |
| Return on assets (ROA) | 0.2833% | 5,468 |
| Pretax return on assets | 0.2833% | 5,605 |
| Return on Equity (ROE) | 2.8280% | 5,355 |
| Retained earnings to average equity (ytd only) | 2.8280% | 4,227 |
| Net charge-offs to loans | 2.5614% | 445 |
| Credit loss provision to net charge-offs | 58.0481% | 5,224 |
| Earnings coverage of net charge-offs (x) | 0.7144% | 5,276 |
| Efficiency ratio | 70.1241% | 3,924 |
| Assets per employee ($millions) | 4.4144% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2584% | 308 |
| Loan loss allowance to noncurrent loans | 216.0504% | 1,529 |
| Noncurrent assets plus other real estate owned to assets | 2.6136% | 2,327 |
| Noncurrent loans to loans | 1.9710% | 3,248 |
| Net loans and leases to total assets | 76.8030% | 850 |
| Net loans and leases to deposits | 86.2207% | 1,640 |
| Net loans and leases to core deposits | 100.7522% | 1,114 |
| Total domestic deposits to total assets | 89.0772% | 1,490 |
| Equity capital to assets | 10.1016% | 4,034 |
| Core capital (leverage) ratio | 9.5430% | 3,955 |
| Tier 1 risk-based capital ratio | 13.9235% | 4,377 |
| Total risk-based capital ratio | 15.2189% | 4,299 |
| Memoranda: | ||
| Average total assets | $956,580,200 | 680 |
| Average earning assets | $854,627,400 | 687 |
| Average equity | $95,829,000 | 716 |
| Average total loans | $775,676,600 | 527 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6891% | 865 |
| Cost of funding earning assets | 1.1118% | 2,896 |
| Net interest margin | 4.5773% | 993 |
| Noninterest income to average assets | 1.1528% | 989 |
| Noninterest expense to average assets | 3.5892% | 1,730 |
| Loan and lease loss provision to assets | 0.9405% | 938 |
| Net operating income to assets | 0.7055% | 3,588 |
| Return on assets (ROA) | 0.7055% | 3,754 |
| Pretax return on assets | 0.7055% | 4,453 |
| Return on Equity (ROE) | 7.0574% | 3,504 |
| Retained earnings to average equity (ytd only) | 7.0574% | 1,940 |
| Net charge-offs to loans | 1.6449% | 851 |
| Credit loss provision to net charge-offs | 70.3190% | 4,478 |
| Earnings coverage of net charge-offs (x) | 1.2307% | 4,695 |
| Efficiency ratio | 67.6139% | 4,398 |
| Assets per employee ($millions) | 4.5289% | 2,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0066% | 187 |
| Loan loss allowance to noncurrent loans | 227.5141% | 1,380 |
| Noncurrent assets plus other real estate owned to assets | 2.5287% | 2,547 |
| Noncurrent loans to loans | 2.2006% | 3,108 |
| Net loans and leases to total assets | 74.1129% | 1,317 |
| Net loans and leases to deposits | 83.5702% | 2,073 |
| Net loans and leases to core deposits | 99.3412% | 1,308 |
| Total domestic deposits to total assets | 88.6834% | 1,637 |
| Equity capital to assets | 10.1298% | 4,180 |
| Core capital (leverage) ratio | 9.8434% | 3,659 |
| Tier 1 risk-based capital ratio | 14.3651% | 4,078 |
| Total risk-based capital ratio | 15.6712% | 4,002 |
| Memoranda: | ||
| Average total assets | $956,246,000 | 692 |
| Average earning assets | $852,857,500 | 697 |
| Average equity | $95,595,000 | 720 |
| Average total loans | $777,487,750 | 533 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6612% | 941 |
| Cost of funding earning assets | 1.1422% | 2,956 |
| Net interest margin | 4.5190% | 1,089 |
| Noninterest income to average assets | 1.1352% | 1,004 |
| Noninterest expense to average assets | 3.5474% | 1,865 |
| Loan and lease loss provision to assets | 1.2109% | 638 |
| Net operating income to assets | 0.4281% | 4,820 |
| Return on assets (ROA) | 0.4281% | 4,970 |
| Pretax return on assets | 0.4281% | 5,304 |
| Return on Equity (ROE) | 4.3017% | 4,794 |
| Retained earnings to average equity (ytd only) | 4.3017% | 3,458 |
| Net charge-offs to loans | 2.4931% | 477 |
| Credit loss provision to net charge-offs | 58.9170% | 4,367 |
| Earnings coverage of net charge-offs (x) | 0.7975% | 4,700 |
| Efficiency ratio | 67.4442% | 4,618 |
| Assets per employee ($millions) | 4.3559% | 3,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7523% | 225 |
| Loan loss allowance to noncurrent loans | 178.5725% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 3.1501% | 2,131 |
| Noncurrent loans to loans | 2.6613% | 2,738 |
| Net loans and leases to total assets | 77.8466% | 800 |
| Net loans and leases to deposits | 87.9244% | 1,510 |
| Net loans and leases to core deposits | 101.1234% | 1,248 |
| Total domestic deposits to total assets | 88.5380% | 1,827 |
| Equity capital to assets | 10.0760% | 4,052 |
| Core capital (leverage) ratio | 9.6524% | 3,727 |
| Tier 1 risk-based capital ratio | 12.9254% | 4,978 |
| Total risk-based capital ratio | 14.2245% | 4,917 |
| Memoranda: | ||
| Average total assets | $948,913,670 | 708 |
| Average earning assets | $850,668,670 | 709 |
| Average equity | $94,428,670 | 727 |
| Average total loans | $782,245,330 | 539 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5749% | 1,109 |
| Cost of funding earning assets | 1.2030% | 2,794 |
| Net interest margin | 4.3719% | 1,359 |
| Noninterest income to average assets | 0.9856% | 1,371 |
| Noninterest expense to average assets | 3.6729% | 1,593 |
| Loan and lease loss provision to assets | 0.8804% | 923 |
| Net operating income to assets | 0.3060% | 5,379 |
| Return on assets (ROA) | 0.3060% | 5,449 |
| Pretax return on assets | 0.3060% | 5,638 |
| Return on Equity (ROE) | 3.0946% | 5,321 |
| Retained earnings to average equity (ytd only) | 3.0946% | 4,313 |
| Net charge-offs to loans | 2.1880% | 562 |
| Credit loss provision to net charge-offs | 48.6001% | 3,779 |
| Earnings coverage of net charge-offs (x) | 0.6549% | 4,135 |
| Efficiency ratio | 74.8108% | 3,364 |
| Assets per employee ($millions) | 4.3317% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9729% | 196 |
| Loan loss allowance to noncurrent loans | 132.1554% | 2,225 |
| Noncurrent assets plus other real estate owned to assets | 4.1718% | 1,581 |
| Noncurrent loans to loans | 3.7629% | 1,955 |
| Net loans and leases to total assets | 77.9116% | 736 |
| Net loans and leases to deposits | 87.8823% | 1,479 |
| Net loans and leases to core deposits | 101.2008% | 1,257 |
| Total domestic deposits to total assets | 88.6545% | 1,986 |
| Equity capital to assets | 9.8525% | 3,964 |
| Core capital (leverage) ratio | 9.4692% | 3,861 |
| Tier 1 risk-based capital ratio | 12.7865% | 4,984 |
| Total risk-based capital ratio | 14.0888% | 4,927 |
| Memoranda: | ||
| Average total assets | $946,397,000 | 714 |
| Average earning assets | $838,540,500 | 723 |
| Average equity | $93,583,000 | 725 |
| Average total loans | $783,534,500 | 546 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7370% | 1,446 |
| Cost of funding earning assets | 1.5801% | 2,188 |
| Net interest margin | 4.1568% | 2,335 |
| Noninterest income to average assets | 0.4225% | 4,726 |
| Noninterest expense to average assets | 3.6986% | 1,700 |
| Loan and lease loss provision to assets | 3.1747% | 278 |
| Net operating income to assets | -2.7238% | 7,232 |
| Return on assets (ROA) | -2.7284% | 7,251 |
| Pretax return on assets | -2.7284% | 7,229 |
| Return on Equity (ROE) | -29.1963% | 7,215 |
| Retained earnings to average equity (ytd only) | -29.1963% | 7,203 |
| Net charge-offs to loans | 1.9883% | 1,019 |
| Credit loss provision to net charge-offs | 193.6500% | 1,640 |
| Earnings coverage of net charge-offs (x) | 0.2750% | 5,833 |
| Efficiency ratio | 88.4218% | 1,445 |
| Assets per employee ($millions) | 4.3510% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2254% | 167 |
| Loan loss allowance to noncurrent loans | 145.2455% | 2,047 |
| Noncurrent assets plus other real estate owned to assets | 4.2227% | 1,584 |
| Noncurrent loans to loans | 3.5977% | 2,085 |
| Net loans and leases to total assets | 79.2363% | 767 |
| Net loans and leases to deposits | 88.8553% | 1,669 |
| Net loans and leases to core deposits | 101.0777% | 1,531 |
| Total domestic deposits to total assets | 89.1745% | 1,549 |
| Equity capital to assets | 9.9247% | 3,848 |
| Core capital (leverage) ratio | 9.2686% | 4,075 |
| Tier 1 risk-based capital ratio | 12.6433% | 4,905 |
| Total risk-based capital ratio | 13.9494% | 4,840 |
| Memoranda: | ||
| Average total assets | $968,294,800 | 689 |
| Average earning assets | $868,158,800 | 696 |
| Average equity | $90,487,600 | 739 |
| Average total loans | $798,364,200 | 549 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7711% | 1,480 |
| Cost of funding earning assets | 1.6456% | 2,131 |
| Net interest margin | 4.1255% | 2,513 |
| Noninterest income to average assets | 0.2737% | 5,919 |
| Noninterest expense to average assets | 3.2474% | 2,752 |
| Loan and lease loss provision to assets | 0.4236% | 3,372 |
| Net operating income to assets | 0.3171% | 5,095 |
| Return on assets (ROA) | 0.3171% | 5,267 |
| Pretax return on assets | 0.3171% | 5,454 |
| Return on Equity (ROE) | 3.4450% | 5,023 |
| Retained earnings to average equity (ytd only) | 3.4450% | 4,025 |
| Net charge-offs to loans | 1.0743% | 1,884 |
| Credit loss provision to net charge-offs | 47.9870% | 5,916 |
| Earnings coverage of net charge-offs (x) | 0.8391% | 5,215 |
| Efficiency ratio | 80.9604% | 2,216 |
| Assets per employee ($millions) | 4.5089% | 2,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9441% | 862 |
| Loan loss allowance to noncurrent loans | 227.8615% | 1,283 |
| Noncurrent assets plus other real estate owned to assets | 2.4653% | 2,903 |
| Noncurrent loans to loans | 1.2920% | 4,697 |
| Net loans and leases to total assets | 78.0137% | 1,035 |
| Net loans and leases to deposits | 87.3712% | 2,103 |
| Net loans and leases to core deposits | 100.3580% | 1,824 |
| Total domestic deposits to total assets | 89.2900% | 1,232 |
| Equity capital to assets | 9.5846% | 4,722 |
| Core capital (leverage) ratio | 9.3546% | 4,128 |
| Tier 1 risk-based capital ratio | 11.6848% | 5,743 |
| Total risk-based capital ratio | 12.9568% | 5,698 |
| Memoranda: | ||
| Average total assets | $975,414,250 | 675 |
| Average earning assets | $878,219,000 | 689 |
| Average equity | $89,791,000 | 740 |
| Average total loans | $801,521,750 | 547 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4636% | 2,688 |
| Cost of funding earning assets | 1.7344% | 1,946 |
| Net interest margin | 3.7292% | 4,237 |
| Noninterest income to average assets | -0.0272% | 7,569 |
| Noninterest expense to average assets | 3.1100% | 3,272 |
| Loan and lease loss provision to assets | 0.0821% | 6,111 |
| Net operating income to assets | 0.1728% | 5,653 |
| Return on assets (ROA) | 0.1728% | 5,780 |
| Pretax return on assets | 0.1728% | 5,839 |
| Return on Equity (ROE) | 1.9034% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.9034% | 4,919 |
| Net charge-offs to loans | 1.1879% | 1,605 |
| Credit loss provision to net charge-offs | 8.3541% | 5,960 |
| Earnings coverage of net charge-offs (x) | 0.2594% | 5,466 |
| Efficiency ratio | 92.0036% | 1,187 |
| Assets per employee ($millions) | 4.6595% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6345% | 1,158 |
| Loan loss allowance to noncurrent loans | 229.2465% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 2.4604% | 2,923 |
| Noncurrent loans to loans | 1.1492% | 5,042 |
| Net loans and leases to total assets | 82.6682% | 470 |
| Net loans and leases to deposits | 94.3911% | 1,220 |
| Net loans and leases to core deposits | 107.7907% | 1,311 |
| Total domestic deposits to total assets | 87.5805% | 2,213 |
| Equity capital to assets | 9.3006% | 5,005 |
| Core capital (leverage) ratio | 8.8188% | 4,883 |
| Tier 1 risk-based capital ratio | 11.2870% | 5,954 |
| Total risk-based capital ratio | 12.5567% | 5,922 |
| Memoranda: | ||
| Average total assets | $978,916,000 | 671 |
| Average earning assets | $890,434,000 | 673 |
| Average equity | $88,893,670 | 734 |
| Average total loans | $810,164,000 | 543 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4512% | 2,816 |
| Cost of funding earning assets | 1.8572% | 1,623 |
| Net interest margin | 3.5940% | 4,762 |
| Noninterest income to average assets | 0.5665% | 3,513 |
| Noninterest expense to average assets | 3.0518% | 3,474 |
| Loan and lease loss provision to assets | 0.4076% | 2,922 |
| Net operating income to assets | 0.3525% | 5,068 |
| Return on assets (ROA) | 0.3525% | 5,187 |
| Pretax return on assets | 0.3525% | 5,446 |
| Return on Equity (ROE) | 3.9294% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.9294% | 3,781 |
| Net charge-offs to loans | 0.1546% | 4,000 |
| Credit loss provision to net charge-offs | 322.5806% | 1,228 |
| Earnings coverage of net charge-offs (x) | 6.0161% | 2,299 |
| Efficiency ratio | 80.0599% | 2,557 |
| Assets per employee ($millions) | 4.6386% | 2,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2531% | 664 |
| Loan loss allowance to noncurrent loans | 64.2649% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 5.2608% | 1,198 |
| Noncurrent loans to loans | 5.0620% | 1,423 |
| Net loans and leases to total assets | 82.0728% | 588 |
| Net loans and leases to deposits | 91.2173% | 1,727 |
| Net loans and leases to core deposits | 108.0823% | 1,412 |
| Total domestic deposits to total assets | 89.9751% | 999 |
| Equity capital to assets | 9.1338% | 5,087 |
| Core capital (leverage) ratio | 8.8363% | 4,809 |
| Tier 1 risk-based capital ratio | 11.5982% | 5,578 |
| Total risk-based capital ratio | 12.8772% | 5,510 |
| Memoranda: | ||
| Average total assets | $981,458,000 | 693 |
| Average earning assets | $886,261,000 | 692 |
| Average equity | $88,054,500 | 749 |
| Average total loans | $801,830,000 | 566 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7402% | 2,911 |
| Cost of funding earning assets | 2.4115% | 1,263 |
| Net interest margin | 3.3288% | 5,626 |
| Noninterest income to average assets | 0.2850% | 6,065 |
| Noninterest expense to average assets | 4.9259% | 550 |
| Loan and lease loss provision to assets | 4.5135% | 261 |
| Net operating income to assets | -6.0963% | 7,842 |
| Return on assets (ROA) | -5.9945% | 7,827 |
| Pretax return on assets | -5.9977% | 7,803 |
| Return on Equity (ROE) | -51.9173% | 7,700 |
| Retained earnings to average equity (ytd only) | -51.9173% | 7,692 |
| Net charge-offs to loans | 3.8439% | 445 |
| Credit loss provision to net charge-offs | 144.9965% | 3,282 |
| Earnings coverage of net charge-offs (x) | -0.5095% | 6,699 |
| Efficiency ratio | 94.9982% | 1,352 |
| Assets per employee ($millions) | 4.8001% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3696% | 590 |
| Loan loss allowance to noncurrent loans | 105.1001% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 3.2294% | 2,123 |
| Noncurrent loans to loans | 3.2061% | 2,383 |
| Net loans and leases to total assets | 75.9610% | 1,810 |
| Net loans and leases to deposits | 84.6994% | 3,142 |
| Net loans and leases to core deposits | 115.6735% | 2,354 |
| Total domestic deposits to total assets | 89.6830% | 1,118 |
| Equity capital to assets | 8.8122% | 5,416 |
| Core capital (leverage) ratio | 8.3649% | 5,512 |
| Tier 1 risk-based capital ratio | 11.9481% | 4,991 |
| Total risk-based capital ratio | 13.2278% | 4,917 |
| Memoranda: | ||
| Average total assets | $977,534,600 | 686 |
| Average earning assets | $897,092,800 | 673 |
| Average equity | $112,868,000 | 580 |
| Average total loans | $791,627,800 | 576 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6728% | 3,463 |
| Cost of funding earning assets | 2.4719% | 1,385 |
| Net interest margin | 3.2009% | 6,020 |
| Noninterest income to average assets | 0.4949% | 4,527 |
| Noninterest expense to average assets | 2.9851% | 4,105 |
| Loan and lease loss provision to assets | 2.1592% | 808 |
| Net operating income to assets | -1.6770% | 7,186 |
| Return on assets (ROA) | -1.5409% | 7,133 |
| Pretax return on assets | -1.5409% | 6,985 |
| Return on Equity (ROE) | -12.5897% | 7,050 |
| Retained earnings to average equity (ytd only) | -12.5897% | 6,983 |
| Net charge-offs to loans | 1.9107% | 1,046 |
| Credit loss provision to net charge-offs | 138.5135% | 3,575 |
| Earnings coverage of net charge-offs (x) | 0.3093% | 5,713 |
| Efficiency ratio | 86.0936% | 2,054 |
| Assets per employee ($millions) | 5.0116% | 2,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0733% | 1,638 |
| Loan loss allowance to noncurrent loans | 50.7566% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 3.8168% | 1,693 |
| Noncurrent loans to loans | 4.0848% | 1,792 |
| Net loans and leases to total assets | 76.0521% | 1,988 |
| Net loans and leases to deposits | 88.8840% | 2,808 |
| Net loans and leases to core deposits | 130.3678% | 1,415 |
| Total domestic deposits to total assets | 85.5632% | 2,937 |
| Equity capital to assets | 13.0094% | 1,690 |
| Core capital (leverage) ratio | 10.9339% | 2,450 |
| Tier 1 risk-based capital ratio | 14.2937% | 3,388 |
| Total risk-based capital ratio | 15.5554% | 3,330 |
| Memoranda: | ||
| Average total assets | $974,715,000 | 699 |
| Average earning assets | $905,137,000 | 679 |
| Average equity | $119,301,000 | 563 |
| Average total loans | $795,208,750 | 592 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6376% | 3,876 |
| Cost of funding earning assets | 2.5401% | 1,479 |
| Net interest margin | 3.0975% | 6,249 |
| Noninterest income to average assets | 0.4758% | 4,668 |
| Noninterest expense to average assets | 2.8917% | 4,528 |
| Loan and lease loss provision to assets | 1.6290% | 1,030 |
| Net operating income to assets | -1.1608% | 7,089 |
| Return on assets (ROA) | -0.9522% | 6,941 |
| Pretax return on assets | -0.9522% | 6,782 |
| Return on Equity (ROE) | -7.9610% | 6,889 |
| Retained earnings to average equity (ytd only) | -7.9610% | 6,664 |
| Net charge-offs to loans | 2.7464% | 610 |
| Credit loss provision to net charge-offs | 71.4588% | 5,391 |
| Earnings coverage of net charge-offs (x) | 0.2054% | 5,465 |
| Efficiency ratio | 86.0647% | 2,223 |
| Assets per employee ($millions) | 5.0894% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 4,901 |
| Loan loss allowance to noncurrent loans | 20.5648% | 7,095 |
| Noncurrent assets plus other real estate owned to assets | 5.2309% | 983 |
| Noncurrent loans to loans | 5.8551% | 950 |
| Net loans and leases to total assets | 79.1414% | 1,489 |
| Net loans and leases to deposits | 91.0976% | 2,630 |
| Net loans and leases to core deposits | 150.1121% | 649 |
| Total domestic deposits to total assets | 86.8754% | 2,318 |
| Equity capital to assets | 11.5506% | 2,506 |
| Core capital (leverage) ratio | 9.4727% | 3,931 |
| Tier 1 risk-based capital ratio | 11.1598% | 5,719 |
| Total risk-based capital ratio | 12.3913% | 5,647 |
| Memoranda: | ||
| Average total assets | $953,819,670 | 733 |
| Average earning assets | $888,140,000 | 709 |
| Average equity | $114,081,330 | 591 |
| Average total loans | $791,722,000 | 615 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6721% | 3,931 |
| Cost of funding earning assets | 2.7093% | 1,245 |
| Net interest margin | 2.9628% | 6,580 |
| Noninterest income to average assets | 0.5121% | 4,209 |
| Noninterest expense to average assets | 3.0163% | 3,692 |
| Loan and lease loss provision to assets | 1.2971% | 990 |
| Net operating income to assets | -1.0306% | 7,271 |
| Return on assets (ROA) | -0.6115% | 7,018 |
| Pretax return on assets | -0.6115% | 6,913 |
| Return on Equity (ROE) | -5.0255% | 6,977 |
| Retained earnings to average equity (ytd only) | -5.0255% | 6,550 |
| Net charge-offs to loans | 0.6795% | 1,822 |
| Credit loss provision to net charge-offs | 225.9721% | 2,020 |
| Earnings coverage of net charge-offs (x) | 0.4644% | 4,621 |
| Efficiency ratio | 91.8794% | 1,579 |
| Assets per employee ($millions) | 5.0832% | 1,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7823% | 1,894 |
| Loan loss allowance to noncurrent loans | 24.9601% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 6.3996% | 592 |
| Noncurrent loans to loans | 7.1404% | 553 |
| Net loans and leases to total assets | 82.8660% | 874 |
| Net loans and leases to deposits | 96.7373% | 1,832 |
| Net loans and leases to core deposits | 191.0365% | 173 |
| Total domestic deposits to total assets | 85.6608% | 2,893 |
| Equity capital to assets | 12.1201% | 2,186 |
| Core capital (leverage) ratio | 9.6251% | 3,845 |
| Tier 1 risk-based capital ratio | 11.3407% | 5,557 |
| Total risk-based capital ratio | 12.5975% | 5,458 |
| Memoranda: | ||
| Average total assets | $949,781,000 | 736 |
| Average earning assets | $888,206,000 | 708 |
| Average equity | $115,569,500 | 582 |
| Average total loans | $802,314,500 | 614 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6491% | 2,252 |
| Cost of funding earning assets | 3.2542% | 1,032 |
| Net interest margin | 3.3949% | 5,683 |
| Noninterest income to average assets | 0.6467% | 3,494 |
| Noninterest expense to average assets | 2.8570% | 4,574 |
| Loan and lease loss provision to assets | 1.4871% | 909 |
| Net operating income to assets | -0.2367% | 6,664 |
| Return on assets (ROA) | -0.2753% | 6,557 |
| Pretax return on assets | -0.5732% | 6,713 |
| Return on Equity (ROE) | -2.4980% | 6,562 |
| Retained earnings to average equity (ytd only) | -2.4980% | 5,993 |
| Net charge-offs to loans | 0.9100% | 1,364 |
| Credit loss provision to net charge-offs | 202.6925% | 2,398 |
| Earnings coverage of net charge-offs (x) | 1.3277% | 5,464 |
| Efficiency ratio | 74.2328% | 3,534 |
| Assets per employee ($millions) | 4.7232% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 2,455 |
| Loan loss allowance to noncurrent loans | 25.4210% | 6,983 |
| Noncurrent assets plus other real estate owned to assets | 5.5374% | 581 |
| Noncurrent loans to loans | 6.0937% | 576 |
| Net loans and leases to total assets | 83.2665% | 1,002 |
| Net loans and leases to deposits | 98.8527% | 2,002 |
| Net loans and leases to core deposits | 212.9556% | 132 |
| Total domestic deposits to total assets | 84.2329% | 3,206 |
| Equity capital to assets | 12.2155% | 2,154 |
| Core capital (leverage) ratio | 9.8977% | 3,550 |
| Tier 1 risk-based capital ratio | 12.0034% | 4,823 |
| Total risk-based capital ratio | 13.2585% | 4,701 |
| Memoranda: | ||
| Average total assets | $941,588,800 | 704 |
| Average earning assets | $883,201,800 | 682 |
| Average equity | $103,763,200 | 648 |
| Average total loans | $759,138,400 | 632 |