Home > SouthPoint Bank > Performance and Condition Ratios
SouthPoint Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4566% | 365 |
| Cost of funding earning assets | 2.6721% | 264 |
| Net interest margin | 3.7846% | 1,590 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.1943% | 3,145 |
| Loan and lease loss provision to assets | 0.3500% | 287 |
| Net operating income to assets | 1.1343% | 1,818 |
| Return on assets (ROA) | 1.1343% | 1,801 |
| Pretax return on assets | 1.4529% | 1,526 |
| Return on Equity (ROE) | 13.0800% | 1,708 |
| Retained earnings to average equity (ytd only) | 13.0806% | 491 |
| Net charge-offs to loans | -0.0176% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 54.8291% | 3,615 |
| Assets per employee ($millions) | 10.5670% | 604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1615% | 2,497 |
| Loan loss allowance to noncurrent loans | 100.0814% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0451% | 461 |
| Noncurrent loans to loans | 1.1605% | 623 |
| Net loans and leases to total assets | 88.3400% | 73 |
| Net loans and leases to deposits | 106.3423% | 280 |
| Net loans and leases to core deposits | 348.8425% | 53 |
| Total domestic deposits to total assets | 83.0700% | 2,875 |
| Equity capital to assets | 8.3653% | 3,146 |
| Core capital (leverage) ratio | 8.3652% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,521,751,600 | 710 |
| Average earning assets | $1,439,665,200 | 685 |
| Average equity | $131,958,400 | 750 |
| Average total loans | $1,302,850,000 | 582 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2894% | 372 |
| Cost of funding earning assets | 2.4736% | 291 |
| Net interest margin | 3.8158% | 1,564 |
| Noninterest income to average assets | 0.4600% | 2,156 |
| Noninterest expense to average assets | 2.1943% | 3,090 |
| Loan and lease loss provision to assets | 0.2900% | 324 |
| Net operating income to assets | 1.2350% | 1,688 |
| Return on assets (ROA) | 1.2349% | 1,686 |
| Pretax return on assets | 1.5810% | 1,398 |
| Return on Equity (ROE) | 14.1000% | 1,631 |
| Retained earnings to average equity (ytd only) | 14.1025% | 663 |
| Net charge-offs to loans | -0.0263% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.0171% | 3,589 |
| Assets per employee ($millions) | 10.9546% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0773% | 2,981 |
| Loan loss allowance to noncurrent loans | 195.6935% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 0.4757% | 1,221 |
| Noncurrent loans to loans | 0.5505% | 1,446 |
| Net loans and leases to total assets | 84.0500% | 277 |
| Net loans and leases to deposits | 112.4713% | 154 |
| Net loans and leases to core deposits | 166.9393% | 81 |
| Total domestic deposits to total assets | 74.7300% | 4,109 |
| Equity capital to assets | 8.5306% | 2,710 |
| Core capital (leverage) ratio | 9.0138% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,487,434,000 | 727 |
| Average earning assets | $1,405,994,000 | 701 |
| Average equity | $130,252,500 | 759 |
| Average total loans | $1,257,862,500 | 602 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0994% | 394 |
| Cost of funding earning assets | 2.2422% | 311 |
| Net interest margin | 3.8572% | 1,511 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 2.2974% | 2,815 |
| Loan and lease loss provision to assets | 0.2500% | 390 |
| Net operating income to assets | 1.2132% | 1,798 |
| Return on assets (ROA) | 1.2131% | 1,781 |
| Pretax return on assets | 1.5567% | 1,486 |
| Return on Equity (ROE) | 13.7200% | 1,740 |
| Retained earnings to average equity (ytd only) | 13.7177% | 715 |
| Net charge-offs to loans | -0.0457% | 4,355 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 55.9666% | 3,422 |
| Assets per employee ($millions) | 9.3595% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 3,141 |
| Loan loss allowance to noncurrent loans | 283.2574% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 1,601 |
| Noncurrent loans to loans | 0.3741% | 1,803 |
| Net loans and leases to total assets | 84.6900% | 231 |
| Net loans and leases to deposits | 117.0193% | 112 |
| Net loans and leases to core deposits | 211.5366% | 31 |
| Total domestic deposits to total assets | 72.3800% | 4,279 |
| Equity capital to assets | 8.8743% | 2,605 |
| Core capital (leverage) ratio | 9.2937% | 3,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,435,516,667 | 728 |
| Average earning assets | $1,353,418,667 | 711 |
| Average equity | $126,945,333 | 770 |
| Average total loans | $1,211,750,000 | 613 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9672% | 322 |
| Cost of funding earning assets | 2.1002% | 234 |
| Net interest margin | 3.8670% | 1,547 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 2.2877% | 2,852 |
| Loan and lease loss provision to assets | 0.2600% | 353 |
| Net operating income to assets | 1.2364% | 1,831 |
| Return on assets (ROA) | 1.2361% | 1,803 |
| Pretax return on assets | 1.5862% | 1,498 |
| Return on Equity (ROE) | 14.0000% | 1,771 |
| Retained earnings to average equity (ytd only) | 14.0050% | 937 |
| Net charge-offs to loans | 0.0263% | 1,167 |
| Credit loss provision to net charge-offs | 1,168.8312% | 327 |
| Earnings coverage of net charge-offs (x) | 83.7922% | 879 |
| Efficiency ratio | 55.3742% | 3,471 |
| Assets per employee ($millions) | 9.0159% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 3,345 |
| Loan loss allowance to noncurrent loans | 205.2745% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 1,156 |
| Noncurrent loans to loans | 0.5058% | 1,450 |
| Net loans and leases to total assets | 82.5400% | 322 |
| Net loans and leases to deposits | 113.3997% | 133 |
| Net loans and leases to core deposits | 173.5420% | 65 |
| Total domestic deposits to total assets | 72.7900% | 4,330 |
| Equity capital to assets | 9.0367% | 2,491 |
| Core capital (leverage) ratio | 9.1735% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,399,837,500 | 762 |
| Average earning assets | $1,316,460,000 | 739 |
| Average equity | $123,556,000 | 798 |
| Average total loans | $1,172,674,000 | 636 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 246 |
| Cost of funding earning assets | 0.7912% | 399 |
| Net interest margin | 4.3415% | 387 |
| Noninterest income to average assets | 0.7500% | 1,126 |
| Noninterest expense to average assets | 2.8906% | 1,138 |
| Loan and lease loss provision to assets | 0.3200% | 245 |
| Net operating income to assets | 1.2524% | 1,596 |
| Return on assets (ROA) | 1.2524% | 1,542 |
| Pretax return on assets | 1.6072% | 1,153 |
| Return on Equity (ROE) | 13.4600% | 1,664 |
| Retained earnings to average equity (ytd only) | 12.5306% | 581 |
| Net charge-offs to loans | 0.1841% | 449 |
| Credit loss provision to net charge-offs | 205.4997% | 1,103 |
| Earnings coverage of net charge-offs (x) | 12.5287% | 2,106 |
| Efficiency ratio | 60.0573% | 3,053 |
| Assets per employee ($millions) | 8.4854% | 1,097 |
| Cash dividends to net income (ytd only)* | 6.9193% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,319 |
| Loan loss allowance to noncurrent loans | 206.6488% | 2,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4319% | 1,186 |
| Noncurrent loans to loans | 0.4880% | 1,485 |
| Net loans and leases to total assets | 83.3100% | 306 |
| Net loans and leases to deposits | 124.5601% | 58 |
| Net loans and leases to core deposits | 133.5654% | 195 |
| Total domestic deposits to total assets | 66.8800% | 4,521 |
| Equity capital to assets | 8.6059% | 2,629 |
| Core capital (leverage) ratio | 8.9995% | 3,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,102,001,800 | 900 |
| Average earning assets | $1,032,504,800 | 882 |
| Average equity | $102,525,400 | 927 |
| Average total loans | $918,647,400 | 742 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7350% | 331 |
| Cost of funding earning assets | 0.5440% | 597 |
| Net interest margin | 4.1910% | 429 |
| Noninterest income to average assets | 0.9700% | 714 |
| Noninterest expense to average assets | 3.0794% | 813 |
| Loan and lease loss provision to assets | 0.2500% | 322 |
| Net operating income to assets | 1.2278% | 1,597 |
| Return on assets (ROA) | 1.2278% | 1,570 |
| Pretax return on assets | 1.5756% | 1,187 |
| Return on Equity (ROE) | 12.8800% | 1,740 |
| Retained earnings to average equity (ytd only) | 11.5896% | 893 |
| Net charge-offs to loans | 0.2577% | 258 |
| Credit loss provision to net charge-offs | 115.6851% | 1,240 |
| Earnings coverage of net charge-offs (x) | 8.5138% | 2,042 |
| Efficiency ratio | 62.8104% | 2,712 |
| Assets per employee ($millions) | 7.7509% | 1,447 |
| Cash dividends to net income (ytd only)* | 10.0105% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9535% | 3,679 |
| Loan loss allowance to noncurrent loans | 225.0279% | 2,539 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 1,426 |
| Noncurrent loans to loans | 0.4237% | 1,754 |
| Net loans and leases to total assets | 83.3100% | 297 |
| Net loans and leases to deposits | 111.6506% | 108 |
| Net loans and leases to core deposits | 119.6016% | 265 |
| Total domestic deposits to total assets | 74.6200% | 4,432 |
| Equity capital to assets | 8.9645% | 2,238 |
| Core capital (leverage) ratio | 9.6844% | 2,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,035,965,000 | 957 |
| Average earning assets | $971,380,750 | 937 |
| Average equity | $98,764,500 | 960 |
| Average total loans | $860,889,250 | 773 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 289 |
| Cost of funding earning assets | 0.4814% | 582 |
| Net interest margin | 4.1419% | 373 |
| Noninterest income to average assets | 1.1451% | 516 |
| Noninterest expense to average assets | 3.2850% | 561 |
| Loan and lease loss provision to assets | 0.2493% | 290 |
| Net operating income to assets | 1.1582% | 1,574 |
| Return on assets (ROA) | 1.1582% | 1,555 |
| Pretax return on assets | 1.4860% | 1,212 |
| Return on Equity (ROE) | 11.8409% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.8126% | 1,067 |
| Net charge-offs to loans | 0.3986% | 175 |
| Credit loss provision to net charge-offs | 75.6620% | 1,410 |
| Earnings coverage of net charge-offs (x) | 5.2667% | 1,933 |
| Efficiency ratio | 65.4349% | 2,592 |
| Assets per employee ($millions) | 6.7666% | 2,100 |
| Cash dividends to net income (ytd only)* | 17.1300% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0215% | 3,508 |
| Loan loss allowance to noncurrent loans | 850.4513% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,264 |
| Noncurrent loans to loans | 0.1201% | 3,131 |
| Net loans and leases to total assets | 83.8081% | 194 |
| Net loans and leases to deposits | 97.8493% | 350 |
| Net loans and leases to core deposits | 106.8326% | 422 |
| Total domestic deposits to total assets | 85.6501% | 3,340 |
| Equity capital to assets | 10.0980% | 1,660 |
| Core capital (leverage) ratio | 9.7705% | 2,634 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $962,737,333 | 1,019 |
| Average earning assets | $900,750,667 | 1,009 |
| Average equity | $94,165,000 | 1,006 |
| Average total loans | $795,798,667 | 811 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7303% | 220 |
| Cost of funding earning assets | 0.5156% | 457 |
| Net interest margin | 4.2147% | 280 |
| Noninterest income to average assets | 1.1759% | 501 |
| Noninterest expense to average assets | 3.5886% | 392 |
| Loan and lease loss provision to assets | 0.2668% | 236 |
| Net operating income to assets | 0.9687% | 2,000 |
| Return on assets (ROA) | 0.9687% | 1,999 |
| Pretax return on assets | 1.2689% | 1,598 |
| Return on Equity (ROE) | 10.1017% | 1,931 |
| Retained earnings to average equity (ytd only) | 5.6724% | 2,359 |
| Net charge-offs to loans | -0.0033% | 3,216 |
| Credit loss provision to net charge-offs | -10,000.0000% | 3,566 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0312% | 2,226 |
| Assets per employee ($millions) | 8.7094% | 1,017 |
| Cash dividends to net income (ytd only)* | 43.8476% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,714 |
| Loan loss allowance to noncurrent loans | 165.4225% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 879 |
| Noncurrent loans to loans | 0.7428% | 1,287 |
| Net loans and leases to total assets | 77.5231% | 412 |
| Net loans and leases to deposits | 86.8984% | 683 |
| Net loans and leases to core deposits | 94.5038% | 712 |
| Total domestic deposits to total assets | 89.2113% | 1,971 |
| Equity capital to assets | 10.1898% | 1,765 |
| Core capital (leverage) ratio | 9.5061% | 2,779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $899,393,000 | 1,083 |
| Average earning assets | $842,574,000 | 1,078 |
| Average equity | $86,242,500 | 1,130 |
| Average total loans | $732,473,000 | 851 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7017% | 418 |
| Cost of funding earning assets | 0.5581% | 675 |
| Net interest margin | 4.1436% | 545 |
| Noninterest income to average assets | 2.0953% | 293 |
| Noninterest expense to average assets | 3.8472% | 338 |
| Loan and lease loss provision to assets | 0.6411% | 76 |
| Net operating income to assets | 1.2333% | 1,799 |
| Return on assets (ROA) | 1.4360% | 1,243 |
| Pretax return on assets | 1.8175% | 878 |
| Return on Equity (ROE) | 16.7140% | 638 |
| Retained earnings to average equity (ytd only) | 16.7140% | 138 |
| Net charge-offs to loans | 0.0077% | 2,291 |
| Credit loss provision to net charge-offs | 10,290.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 353.4250% | 358 |
| Efficiency ratio | 63.5982% | 2,626 |
| Assets per employee ($millions) | 7.1882% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5890% | 1,287 |
| Loan loss allowance to noncurrent loans | 254.1192% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5842% | 1,129 |
| Noncurrent loans to loans | 0.6253% | 1,585 |
| Net loans and leases to total assets | 84.5133% | 97 |
| Net loans and leases to deposits | 102.4076% | 158 |
| Net loans and leases to core deposits | 114.3789% | 224 |
| Total domestic deposits to total assets | 82.5265% | 3,891 |
| Equity capital to assets | 8.6862% | 3,899 |
| Core capital (leverage) ratio | 9.0508% | 3,350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $641,995,000 | 1,378 |
| Average earning assets | $612,603,400 | 1,354 |
| Average equity | $55,157,400 | 1,629 |
| Average total loans | $518,509,800 | 1,135 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6010% | 572 |
| Cost of funding earning assets | 0.5787% | 712 |
| Net interest margin | 4.0223% | 763 |
| Noninterest income to average assets | 2.2969% | 273 |
| Noninterest expense to average assets | 3.8565% | 318 |
| Loan and lease loss provision to assets | 0.3353% | 222 |
| Net operating income to assets | 1.5056% | 1,262 |
| Return on assets (ROA) | 1.7823% | 725 |
| Pretax return on assets | 2.2871% | 476 |
| Return on Equity (ROE) | 20.8105% | 372 |
| Retained earnings to average equity (ytd only) | 20.8105% | 110 |
| Net charge-offs to loans | -0.0084% | 3,606 |
| Credit loss provision to net charge-offs | -5,051.6129% | 4,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9266% | 2,542 |
| Assets per employee ($millions) | 6.7249% | 2,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 2,341 |
| Loan loss allowance to noncurrent loans | 167.3362% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 0.7019% | 1,064 |
| Noncurrent loans to loans | 0.7944% | 1,423 |
| Net loans and leases to total assets | 80.9139% | 245 |
| Net loans and leases to deposits | 100.2724% | 221 |
| Net loans and leases to core deposits | 124.8944% | 146 |
| Total domestic deposits to total assets | 80.6941% | 4,130 |
| Equity capital to assets | 9.2251% | 3,630 |
| Core capital (leverage) ratio | 9.9005% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $622,789,250 | 1,425 |
| Average earning assets | $593,275,750 | 1,406 |
| Average equity | $53,337,250 | 1,694 |
| Average total loans | $493,810,750 | 1,196 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 682 |
| Cost of funding earning assets | 0.5978% | 754 |
| Net interest margin | 3.9469% | 899 |
| Noninterest income to average assets | 2.4928% | 246 |
| Noninterest expense to average assets | 3.9147% | 310 |
| Loan and lease loss provision to assets | 0.3863% | 174 |
| Net operating income to assets | 1.5171% | 1,249 |
| Return on assets (ROA) | 1.5262% | 1,292 |
| Pretax return on assets | 1.9584% | 903 |
| Return on Equity (ROE) | 18.3437% | 612 |
| Retained earnings to average equity (ytd only) | 18.3437% | 210 |
| Net charge-offs to loans | 0.0409% | 1,224 |
| Credit loss provision to net charge-offs | 1,207.2165% | 413 |
| Earnings coverage of net charge-offs (x) | 72.9072% | 882 |
| Efficiency ratio | 62.6571% | 2,637 |
| Assets per employee ($millions) | 6.3367% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3693% | 2,109 |
| Loan loss allowance to noncurrent loans | 184.8724% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 1,307 |
| Noncurrent loans to loans | 0.7407% | 1,609 |
| Net loans and leases to total assets | 77.3753% | 486 |
| Net loans and leases to deposits | 90.2364% | 637 |
| Net loans and leases to core deposits | 115.8290% | 266 |
| Total domestic deposits to total assets | 85.7473% | 2,821 |
| Equity capital to assets | 8.9272% | 3,862 |
| Core capital (leverage) ratio | 9.6696% | 2,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $606,221,333 | 1,446 |
| Average earning assets | $576,759,667 | 1,427 |
| Average equity | $50,437,000 | 1,758 |
| Average total loans | $474,590,667 | 1,233 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 819 |
| Cost of funding earning assets | 0.6009% | 872 |
| Net interest margin | 3.8633% | 1,042 |
| Noninterest income to average assets | 2.6937% | 236 |
| Noninterest expense to average assets | 4.1634% | 251 |
| Loan and lease loss provision to assets | 0.3949% | 198 |
| Net operating income to assets | 1.4083% | 1,553 |
| Return on assets (ROA) | 1.4083% | 1,624 |
| Pretax return on assets | 1.8073% | 1,279 |
| Return on Equity (ROE) | 17.6142% | 768 |
| Retained earnings to average equity (ytd only) | 17.6142% | 384 |
| Net charge-offs to loans | 0.0009% | 1,910 |
| Credit loss provision to net charge-offs | 58,500.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 3,262.0000% | 14 |
| Efficiency ratio | 65.4046% | 2,316 |
| Assets per employee ($millions) | 6.0897% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 2,174 |
| Loan loss allowance to noncurrent loans | 319.4135% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 2,518 |
| Noncurrent loans to loans | 0.4246% | 2,587 |
| Net loans and leases to total assets | 75.4647% | 680 |
| Net loans and leases to deposits | 91.1266% | 640 |
| Net loans and leases to core deposits | 118.9400% | 255 |
| Total domestic deposits to total assets | 82.8130% | 3,738 |
| Equity capital to assets | 7.8473% | 4,575 |
| Core capital (leverage) ratio | 8.9057% | 3,704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $592,497,000 | 1,461 |
| Average earning assets | $563,151,000 | 1,441 |
| Average equity | $47,371,000 | 1,843 |
| Average total loans | $463,330,500 | 1,258 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6169% | 1,068 |
| Cost of funding earning assets | 0.9267% | 781 |
| Net interest margin | 3.6902% | 1,837 |
| Noninterest income to average assets | 3.0060% | 192 |
| Noninterest expense to average assets | 4.1857% | 316 |
| Loan and lease loss provision to assets | 0.4459% | 633 |
| Net operating income to assets | 1.4613% | 898 |
| Return on assets (ROA) | 1.4748% | 941 |
| Pretax return on assets | 1.8924% | 563 |
| Return on Equity (ROE) | 17.8556% | 345 |
| Retained earnings to average equity (ytd only) | 17.8556% | 90 |
| Net charge-offs to loans | 0.0256% | 2,526 |
| Credit loss provision to net charge-offs | 2,144.7619% | 419 |
| Earnings coverage of net charge-offs (x) | 111.6476% | 739 |
| Efficiency ratio | 64.3266% | 2,766 |
| Assets per employee ($millions) | 5.8184% | 2,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2442% | 2,726 |
| Loan loss allowance to noncurrent loans | 520.7084% | 1,093 |
| Noncurrent assets plus other real estate owned to assets | 0.1911% | 3,325 |
| Noncurrent loans to loans | 0.2389% | 3,342 |
| Net loans and leases to total assets | 78.9989% | 502 |
| Net loans and leases to deposits | 104.9748% | 245 |
| Net loans and leases to core deposits | 133.5513% | 172 |
| Total domestic deposits to total assets | 75.2552% | 4,558 |
| Equity capital to assets | 8.1514% | 4,641 |
| Core capital (leverage) ratio | 8.9873% | 3,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $505,029,200 | 1,535 |
| Average earning assets | $479,136,200 | 1,509 |
| Average equity | $41,712,400 | 1,960 |
| Average total loans | $410,613,200 | 1,322 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5576% | 1,433 |
| Cost of funding earning assets | 1.0311% | 686 |
| Net interest margin | 3.5265% | 2,499 |
| Noninterest income to average assets | 2.5646% | 230 |
| Noninterest expense to average assets | 4.0925% | 351 |
| Loan and lease loss provision to assets | 0.3218% | 1,226 |
| Net operating income to assets | 1.1611% | 1,779 |
| Return on assets (ROA) | 1.4518% | 1,085 |
| Pretax return on assets | 1.8631% | 688 |
| Return on Equity (ROE) | 17.5102% | 402 |
| Retained earnings to average equity (ytd only) | 17.5102% | 116 |
| Net charge-offs to loans | 0.0311% | 2,209 |
| Credit loss provision to net charge-offs | 1,264.5161% | 706 |
| Earnings coverage of net charge-offs (x) | 71.3978% | 983 |
| Efficiency ratio | 69.2550% | 1,996 |
| Assets per employee ($millions) | 5.6845% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 3,590 |
| Loan loss allowance to noncurrent loans | 380.5216% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2203% | 3,340 |
| Noncurrent loans to loans | 0.2693% | 3,331 |
| Net loans and leases to total assets | 80.9378% | 530 |
| Net loans and leases to deposits | 113.6693% | 173 |
| Net loans and leases to core deposits | 144.9642% | 142 |
| Total domestic deposits to total assets | 71.2046% | 4,709 |
| Equity capital to assets | 7.9437% | 4,733 |
| Core capital (leverage) ratio | 10.0757% | 2,650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $487,280,750 | 1,566 |
| Average earning assets | $462,164,250 | 1,536 |
| Average equity | $40,402,000 | 1,994 |
| Average total loans | $398,070,250 | 1,348 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4945% | 1,932 |
| Cost of funding earning assets | 1.1530% | 604 |
| Net interest margin | 3.3415% | 3,266 |
| Noninterest income to average assets | 1.9655% | 293 |
| Noninterest expense to average assets | 3.8322% | 483 |
| Loan and lease loss provision to assets | 0.2586% | 1,634 |
| Net operating income to assets | 0.8072% | 3,023 |
| Return on assets (ROA) | 1.1228% | 2,013 |
| Pretax return on assets | 1.4409% | 1,611 |
| Return on Equity (ROE) | 13.3186% | 1,031 |
| Retained earnings to average equity (ytd only) | 13.3186% | 325 |
| Net charge-offs to loans | -0.0005% | 3,725 |
| Credit loss provision to net charge-offs | -60,000.0000% | 4,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6704% | 1,402 |
| Assets per employee ($millions) | 6.2949% | 1,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 3,809 |
| Loan loss allowance to noncurrent loans | 218.7043% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 2,865 |
| Noncurrent loans to loans | 0.4332% | 2,866 |
| Net loans and leases to total assets | 81.7955% | 432 |
| Net loans and leases to deposits | 105.6219% | 324 |
| Net loans and leases to core deposits | 157.8422% | 85 |
| Total domestic deposits to total assets | 77.4418% | 4,259 |
| Equity capital to assets | 7.7230% | 4,824 |
| Core capital (leverage) ratio | 9.0497% | 3,852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $464,013,333 | 1,613 |
| Average earning assets | $439,736,333 | 1,579 |
| Average equity | $39,118,333 | 2,034 |
| Average total loans | $378,907,000 | 1,401 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 1,418 |
| Cost of funding earning assets | 1.3571% | 475 |
| Net interest margin | 3.4427% | 3,175 |
| Noninterest income to average assets | 1.8876% | 290 |
| Noninterest expense to average assets | 3.7499% | 663 |
| Loan and lease loss provision to assets | 0.2801% | 1,110 |
| Net operating income to assets | 0.8644% | 2,639 |
| Return on assets (ROA) | 0.8644% | 2,743 |
| Pretax return on assets | 1.1090% | 2,488 |
| Return on Equity (ROE) | 9.7433% | 1,828 |
| Retained earnings to average equity (ytd only) | 9.7433% | 795 |
| Net charge-offs to loans | 0.0012% | 2,557 |
| Credit loss provision to net charge-offs | 30,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 1,488.0000% | 30 |
| Efficiency ratio | 72.9700% | 1,942 |
| Assets per employee ($millions) | 5.2572% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1080% | 3,159 |
| Loan loss allowance to noncurrent loans | 283.0904% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 3,139 |
| Noncurrent loans to loans | 0.3914% | 3,082 |
| Net loans and leases to total assets | 77.5779% | 1,042 |
| Net loans and leases to deposits | 89.6973% | 1,548 |
| Net loans and leases to core deposits | 123.7092% | 371 |
| Total domestic deposits to total assets | 86.4886% | 1,784 |
| Equity capital to assets | 8.3062% | 4,897 |
| Core capital (leverage) ratio | 9.0865% | 4,380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $428,487,000 | 1,678 |
| Average earning assets | $404,677,500 | 1,655 |
| Average equity | $38,016,000 | 2,068 |
| Average total loans | $347,437,500 | 1,461 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2618% | 887 |
| Cost of funding earning assets | 1.4123% | 539 |
| Net interest margin | 3.8496% | 2,338 |
| Noninterest income to average assets | 1.6389% | 352 |
| Noninterest expense to average assets | 3.5283% | 927 |
| Loan and lease loss provision to assets | 0.0615% | 2,808 |
| Net operating income to assets | 1.3214% | 1,607 |
| Return on assets (ROA) | 1.3218% | 1,689 |
| Pretax return on assets | 1.6709% | 1,271 |
| Return on Equity (ROE) | 14.3856% | 820 |
| Retained earnings to average equity (ytd only) | 14.3856% | 108 |
| Net charge-offs to loans | 0.0640% | 2,182 |
| Credit loss provision to net charge-offs | 114.8325% | 2,190 |
| Earnings coverage of net charge-offs (x) | 32.3541% | 1,506 |
| Efficiency ratio | 67.0757% | 2,609 |
| Assets per employee ($millions) | 4.8249% | 2,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 3,268 |
| Loan loss allowance to noncurrent loans | 514.4907% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 3,691 |
| Noncurrent loans to loans | 0.2024% | 3,730 |
| Net loans and leases to total assets | 83.0843% | 417 |
| Net loans and leases to deposits | 92.5245% | 1,309 |
| Net loans and leases to core deposits | 130.6342% | 268 |
| Total domestic deposits to total assets | 89.7970% | 398 |
| Equity capital to assets | 9.4888% | 4,362 |
| Core capital (leverage) ratio | 9.4338% | 4,126 |
| Tier 1 risk-based capital ratio | 10.0213% | 5,120 |
| Total risk-based capital ratio | 10.9607% | 5,125 |
| Memoranda: | ||
| Average total assets | $390,439,200 | 1,768 |
| Average earning assets | $367,285,800 | 1,755 |
| Average equity | $35,876,200 | 2,104 |
| Average total loans | $326,588,000 | 1,510 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3024% | 861 |
| Cost of funding earning assets | 1.4111% | 559 |
| Net interest margin | 3.8913% | 2,286 |
| Noninterest income to average assets | 1.6241% | 353 |
| Noninterest expense to average assets | 3.5273% | 918 |
| Loan and lease loss provision to assets | 0.0623% | 2,650 |
| Net operating income to assets | 1.3178% | 1,778 |
| Return on assets (ROA) | 1.3170% | 1,858 |
| Pretax return on assets | 1.6901% | 1,365 |
| Return on Equity (ROE) | 14.4582% | 898 |
| Retained earnings to average equity (ytd only) | 14.4582% | 182 |
| Net charge-offs to loans | 0.0728% | 1,784 |
| Credit loss provision to net charge-offs | 102.2727% | 2,207 |
| Earnings coverage of net charge-offs (x) | 28.8069% | 1,671 |
| Efficiency ratio | 66.7955% | 2,620 |
| Assets per employee ($millions) | 5.2220% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 3,259 |
| Loan loss allowance to noncurrent loans | 247.4965% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.3749% | 3,005 |
| Noncurrent loans to loans | 0.4261% | 3,031 |
| Net loans and leases to total assets | 81.9787% | 569 |
| Net loans and leases to deposits | 90.8592% | 1,585 |
| Net loans and leases to core deposits | 117.3988% | 613 |
| Total domestic deposits to total assets | 90.2261% | 234 |
| Equity capital to assets | 9.2375% | 4,642 |
| Core capital (leverage) ratio | 9.2316% | 4,451 |
| Tier 1 risk-based capital ratio | 10.0294% | 5,186 |
| Total risk-based capital ratio | 10.9967% | 5,192 |
| Memoranda: | ||
| Average total assets | $385,520,250 | 1,796 |
| Average earning assets | $362,267,250 | 1,790 |
| Average equity | $35,116,500 | 2,145 |
| Average total loans | $322,153,250 | 1,530 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2640% | 876 |
| Cost of funding earning assets | 1.3943% | 548 |
| Net interest margin | 3.8697% | 2,344 |
| Noninterest income to average assets | 1.5217% | 392 |
| Noninterest expense to average assets | 3.4966% | 962 |
| Loan and lease loss provision to assets | 0.0634% | 2,547 |
| Net operating income to assets | 1.2470% | 1,973 |
| Return on assets (ROA) | 1.2457% | 2,034 |
| Pretax return on assets | 1.5921% | 1,570 |
| Return on Equity (ROE) | 13.7456% | 1,038 |
| Retained earnings to average equity (ytd only) | 13.7456% | 240 |
| Net charge-offs to loans | 0.0006% | 3,160 |
| Credit loss provision to net charge-offs | 12,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 3,134.0000% | 11 |
| Efficiency ratio | 67.8465% | 2,557 |
| Assets per employee ($millions) | 4.7668% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1057% | 3,042 |
| Loan loss allowance to noncurrent loans | 255.4937% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 2,956 |
| Noncurrent loans to loans | 0.4328% | 2,982 |
| Net loans and leases to total assets | 83.0554% | 467 |
| Net loans and leases to deposits | 99.0210% | 748 |
| Net loans and leases to core deposits | 120.9630% | 516 |
| Total domestic deposits to total assets | 83.8766% | 2,918 |
| Equity capital to assets | 9.0780% | 4,751 |
| Core capital (leverage) ratio | 9.2646% | 4,393 |
| Tier 1 risk-based capital ratio | 9.5831% | 5,268 |
| Total risk-based capital ratio | 10.5763% | 5,277 |
| Memoranda: | ||
| Average total assets | $378,254,000 | 1,833 |
| Average earning assets | $355,016,670 | 1,817 |
| Average equity | $34,280,000 | 2,180 |
| Average total loans | $317,046,330 | 1,554 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2467% | 827 |
| Cost of funding earning assets | 1.3564% | 540 |
| Net interest margin | 3.8903% | 2,222 |
| Noninterest income to average assets | 1.4872% | 398 |
| Noninterest expense to average assets | 3.4755% | 999 |
| Loan and lease loss provision to assets | 0.0649% | 2,363 |
| Net operating income to assets | 1.2501% | 1,891 |
| Return on assets (ROA) | 1.2501% | 1,934 |
| Pretax return on assets | 1.5976% | 1,477 |
| Return on Equity (ROE) | 13.8069% | 1,010 |
| Retained earnings to average equity (ytd only) | 13.8069% | 370 |
| Net charge-offs to loans | -0.0323% | 4,677 |
| Credit loss provision to net charge-offs | -240.0000% | 3,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6427% | 2,691 |
| Assets per employee ($millions) | 4.5612% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1618% | 2,784 |
| Loan loss allowance to noncurrent loans | 287.2928% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 2,992 |
| Noncurrent loans to loans | 0.4044% | 3,136 |
| Net loans and leases to total assets | 82.7931% | 495 |
| Net loans and leases to deposits | 92.9840% | 1,284 |
| Net loans and leases to core deposits | 115.0917% | 682 |
| Total domestic deposits to total assets | 89.0401% | 839 |
| Equity capital to assets | 9.1768% | 4,553 |
| Core capital (leverage) ratio | 9.3433% | 4,326 |
| Tier 1 risk-based capital ratio | 10.0060% | 5,285 |
| Total risk-based capital ratio | 11.0695% | 5,275 |
| Memoranda: | ||
| Average total assets | $369,557,000 | 1,880 |
| Average earning assets | $346,809,000 | 1,864 |
| Average equity | $33,461,500 | 2,219 |
| Average total loans | $309,429,000 | 1,593 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9916% | 1,062 |
| Cost of funding earning assets | 1.1046% | 483 |
| Net interest margin | 3.8871% | 2,371 |
| Noninterest income to average assets | 1.5006% | 406 |
| Noninterest expense to average assets | 3.5452% | 938 |
| Loan and lease loss provision to assets | 0.0029% | 4,050 |
| Net operating income to assets | 1.2906% | 1,846 |
| Return on assets (ROA) | 1.3083% | 1,745 |
| Pretax return on assets | 1.6095% | 1,439 |
| Return on Equity (ROE) | 14.9172% | 849 |
| Retained earnings to average equity (ytd only) | 14.9172% | 118 |
| Net charge-offs to loans | 0.0077% | 3,412 |
| Credit loss provision to net charge-offs | 47.6190% | 3,220 |
| Earnings coverage of net charge-offs (x) | 258.8095% | 371 |
| Efficiency ratio | 69.0313% | 2,381 |
| Assets per employee ($millions) | 4.3987% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 2,753 |
| Loan loss allowance to noncurrent loans | 290.2041% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3961% | 2,976 |
| Noncurrent loans to loans | 0.4009% | 3,092 |
| Net loans and leases to total assets | 82.7185% | 555 |
| Net loans and leases to deposits | 96.1848% | 1,055 |
| Net loans and leases to core deposits | 116.6932% | 663 |
| Total domestic deposits to total assets | 85.9996% | 2,227 |
| Equity capital to assets | 8.9292% | 4,633 |
| Core capital (leverage) ratio | 9.0647% | 4,586 |
| Tier 1 risk-based capital ratio | 9.9239% | 5,327 |
| Total risk-based capital ratio | 10.9900% | 5,319 |
| Memoranda: | ||
| Average total assets | $341,730,000 | 1,944 |
| Average earning assets | $319,573,800 | 1,930 |
| Average equity | $29,972,200 | 2,336 |
| Average total loans | $274,197,400 | 1,706 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8589% | 1,281 |
| Cost of funding earning assets | 1.0312% | 520 |
| Net interest margin | 3.8277% | 2,539 |
| Noninterest income to average assets | 1.5648% | 397 |
| Noninterest expense to average assets | 3.5241% | 953 |
| Loan and lease loss provision to assets | 0.0040% | 3,893 |
| Net operating income to assets | 1.2617% | 1,992 |
| Return on assets (ROA) | 1.2790% | 1,931 |
| Pretax return on assets | 1.6346% | 1,469 |
| Return on Equity (ROE) | 14.6541% | 949 |
| Retained earnings to average equity (ytd only) | 14.6541% | 193 |
| Net charge-offs to loans | 0.0225% | 2,691 |
| Credit loss provision to net charge-offs | 22.2222% | 3,003 |
| Earnings coverage of net charge-offs (x) | 90.5088% | 815 |
| Efficiency ratio | 68.5507% | 2,430 |
| Assets per employee ($millions) | 4.6282% | 2,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2198% | 2,508 |
| Loan loss allowance to noncurrent loans | 304.6592% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 3,197 |
| Noncurrent loans to loans | 0.4004% | 3,217 |
| Net loans and leases to total assets | 76.2713% | 1,622 |
| Net loans and leases to deposits | 83.7305% | 2,630 |
| Net loans and leases to core deposits | 109.4724% | 1,068 |
| Total domestic deposits to total assets | 91.0915% | 196 |
| Equity capital to assets | 8.1480% | 5,111 |
| Core capital (leverage) ratio | 9.0179% | 4,687 |
| Tier 1 risk-based capital ratio | 9.6268% | 5,430 |
| Total risk-based capital ratio | 10.7113% | 5,423 |
| Memoranda: | ||
| Average total assets | $335,888,500 | 1,971 |
| Average earning assets | $313,807,250 | 1,963 |
| Average equity | $29,315,250 | 2,381 |
| Average total loans | $266,357,500 | 1,755 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8506% | 1,124 |
| Cost of funding earning assets | 0.9753% | 526 |
| Net interest margin | 3.8753% | 2,290 |
| Noninterest income to average assets | 1.6811% | 358 |
| Noninterest expense to average assets | 3.6112% | 856 |
| Loan and lease loss provision to assets | 0.0062% | 3,714 |
| Net operating income to assets | 1.3054% | 1,752 |
| Return on assets (ROA) | 1.3323% | 1,662 |
| Pretax return on assets | 1.7083% | 1,190 |
| Return on Equity (ROE) | 14.8832% | 876 |
| Retained earnings to average equity (ytd only) | 14.8832% | 205 |
| Net charge-offs to loans | 0.0162% | 2,597 |
| Credit loss provision to net charge-offs | 47.6190% | 2,507 |
| Earnings coverage of net charge-offs (x) | 129.1905% | 588 |
| Efficiency ratio | 68.2430% | 2,604 |
| Assets per employee ($millions) | 3.8813% | 4,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3296% | 2,032 |
| Loan loss allowance to noncurrent loans | 317.9785% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 3,115 |
| Noncurrent loans to loans | 0.4182% | 3,201 |
| Net loans and leases to total assets | 78.1268% | 1,290 |
| Net loans and leases to deposits | 86.1494% | 2,293 |
| Net loans and leases to core deposits | 113.9937% | 793 |
| Total domestic deposits to total assets | 90.6876% | 331 |
| Equity capital to assets | 8.8468% | 4,684 |
| Core capital (leverage) ratio | 9.3545% | 4,294 |
| Tier 1 risk-based capital ratio | 10.1826% | 5,382 |
| Total risk-based capital ratio | 11.3784% | 5,324 |
| Memoranda: | ||
| Average total assets | $322,888,670 | 2,051 |
| Average earning assets | $300,831,670 | 2,041 |
| Average equity | $28,905,000 | 2,421 |
| Average total loans | $258,655,670 | 1,799 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8113% | 1,060 |
| Cost of funding earning assets | 0.9088% | 571 |
| Net interest margin | 3.9025% | 2,034 |
| Noninterest income to average assets | 1.1842% | 653 |
| Noninterest expense to average assets | 3.3902% | 1,180 |
| Loan and lease loss provision to assets | 0.0127% | 3,365 |
| Net operating income to assets | 1.0974% | 2,431 |
| Return on assets (ROA) | 1.1525% | 2,218 |
| Pretax return on assets | 1.4770% | 1,740 |
| Return on Equity (ROE) | 12.7934% | 1,319 |
| Retained earnings to average equity (ytd only) | 12.7934% | 550 |
| Net charge-offs to loans | 0.0283% | 1,930 |
| Credit loss provision to net charge-offs | 55.5556% | 1,906 |
| Earnings coverage of net charge-offs (x) | 62.2222% | 826 |
| Efficiency ratio | 70.4797% | 2,419 |
| Assets per employee ($millions) | 3.9740% | 4,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3754% | 1,937 |
| Loan loss allowance to noncurrent loans | 379.7225% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.3629% | 3,386 |
| Noncurrent loans to loans | 0.3622% | 3,474 |
| Net loans and leases to total assets | 79.2612% | 1,037 |
| Net loans and leases to deposits | 97.4355% | 913 |
| Net loans and leases to core deposits | 126.3753% | 412 |
| Total domestic deposits to total assets | 81.3474% | 4,124 |
| Equity capital to assets | 8.8828% | 4,680 |
| Core capital (leverage) ratio | 9.2911% | 4,333 |
| Tier 1 risk-based capital ratio | 9.9416% | 5,516 |
| Total risk-based capital ratio | 11.1601% | 5,468 |
| Memoranda: | ||
| Average total assets | $315,498,500 | 2,102 |
| Average earning assets | $293,145,000 | 2,109 |
| Average equity | $28,421,000 | 2,472 |
| Average total loans | $254,301,000 | 1,833 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7827% | 1,008 |
| Cost of funding earning assets | 0.6322% | 1,405 |
| Net interest margin | 4.1504% | 1,300 |
| Noninterest income to average assets | 1.8862% | 320 |
| Noninterest expense to average assets | 3.8443% | 659 |
| Loan and lease loss provision to assets | 0.1018% | 2,189 |
| Net operating income to assets | 1.1227% | 1,784 |
| Return on assets (ROA) | 1.1183% | 1,826 |
| Pretax return on assets | 1.8336% | 728 |
| Return on Equity (ROE) | 12.3473% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.3473% | 160 |
| Net charge-offs to loans | 0.0038% | 3,966 |
| Credit loss provision to net charge-offs | 3,333.3333% | 122 |
| Earnings coverage of net charge-offs (x) | 636.0000% | 134 |
| Efficiency ratio | 66.4360% | 3,182 |
| Assets per employee ($millions) | 4.0144% | 3,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4269% | 1,662 |
| Loan loss allowance to noncurrent loans | 3,876.0870% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.1158% | 4,553 |
| Noncurrent loans to loans | 0.0368% | 4,847 |
| Net loans and leases to total assets | 79.6954% | 1,004 |
| Net loans and leases to deposits | 98.7877% | 841 |
| Net loans and leases to core deposits | 127.4795% | 402 |
| Total domestic deposits to total assets | 80.6734% | 4,199 |
| Equity capital to assets | 9.1389% | 4,587 |
| Core capital (leverage) ratio | 9.2304% | 4,366 |
| Tier 1 risk-based capital ratio | 10.0191% | 5,531 |
| Total risk-based capital ratio | 11.2693% | 5,470 |
| Memoranda: | ||
| Average total assets | $294,725,400 | 2,196 |
| Average earning assets | $276,958,600 | 2,174 |
| Average equity | $26,694,000 | 2,566 |
| Average total loans | $235,552,200 | 1,905 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7430% | 1,052 |
| Cost of funding earning assets | 0.5823% | 1,658 |
| Net interest margin | 4.1607% | 1,248 |
| Noninterest income to average assets | 1.9107% | 329 |
| Noninterest expense to average assets | 3.7902% | 680 |
| Loan and lease loss provision to assets | 0.1030% | 2,054 |
| Net operating income to assets | 1.3084% | 1,302 |
| Return on assets (ROA) | 1.3034% | 1,359 |
| Pretax return on assets | 1.9272% | 644 |
| Return on Equity (ROE) | 14.4251% | 751 |
| Retained earnings to average equity (ytd only) | 14.4251% | 137 |
| Net charge-offs to loans | 0.0075% | 3,465 |
| Credit loss provision to net charge-offs | 1,730.7692% | 229 |
| Earnings coverage of net charge-offs (x) | 342.2879% | 274 |
| Efficiency ratio | 65.0373% | 3,374 |
| Assets per employee ($millions) | 4.0848% | 3,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 1,779 |
| Loan loss allowance to noncurrent loans | 1,158.4718% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.2273% | 4,153 |
| Noncurrent loans to loans | 0.1234% | 4,564 |
| Net loans and leases to total assets | 79.5498% | 1,050 |
| Net loans and leases to deposits | 94.1917% | 1,279 |
| Net loans and leases to core deposits | 125.6086% | 419 |
| Total domestic deposits to total assets | 84.4553% | 2,936 |
| Equity capital to assets | 9.2578% | 4,676 |
| Core capital (leverage) ratio | 9.4586% | 4,215 |
| Tier 1 risk-based capital ratio | 10.2784% | 5,517 |
| Total risk-based capital ratio | 11.5288% | 5,466 |
| Memoranda: | ||
| Average total assets | $291,130,000 | 2,228 |
| Average earning assets | $274,080,750 | 2,203 |
| Average equity | $26,305,250 | 2,612 |
| Average total loans | $231,962,750 | 1,932 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7342% | 995 |
| Cost of funding earning assets | 0.5642% | 1,687 |
| Net interest margin | 4.1700% | 1,148 |
| Noninterest income to average assets | 1.9616% | 322 |
| Noninterest expense to average assets | 3.8293% | 649 |
| Loan and lease loss provision to assets | 0.1044% | 1,942 |
| Net operating income to assets | 1.3660% | 1,139 |
| Return on assets (ROA) | 1.3660% | 1,166 |
| Pretax return on assets | 1.9623% | 575 |
| Return on Equity (ROE) | 15.2492% | 624 |
| Retained earnings to average equity (ytd only) | 15.2492% | 130 |
| Net charge-offs to loans | -0.0526% | 5,199 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9475% | 3,509 |
| Assets per employee ($millions) | 4.0269% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,604 |
| Loan loss allowance to noncurrent loans | 1,142.6230% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 4,385 |
| Noncurrent loans to loans | 0.1305% | 4,600 |
| Net loans and leases to total assets | 77.2348% | 1,358 |
| Net loans and leases to deposits | 89.6515% | 1,784 |
| Net loans and leases to core deposits | 119.4921% | 577 |
| Total domestic deposits to total assets | 86.1501% | 2,314 |
| Equity capital to assets | 9.1264% | 4,776 |
| Core capital (leverage) ratio | 9.3350% | 4,319 |
| Tier 1 risk-based capital ratio | 10.3820% | 5,512 |
| Total risk-based capital ratio | 11.6332% | 5,438 |
| Memoranda: | ||
| Average total assets | $287,414,670 | 2,258 |
| Average earning assets | $271,173,000 | 2,229 |
| Average equity | $25,745,670 | 2,650 |
| Average total loans | $227,968,000 | 1,957 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7375% | 867 |
| Cost of funding earning assets | 0.5407% | 1,778 |
| Net interest margin | 4.1968% | 999 |
| Noninterest income to average assets | 1.8219% | 357 |
| Noninterest expense to average assets | 3.8026% | 679 |
| Loan and lease loss provision to assets | 0.1063% | 1,795 |
| Net operating income to assets | 1.3044% | 1,226 |
| Return on assets (ROA) | 1.3044% | 1,261 |
| Pretax return on assets | 1.8743% | 683 |
| Return on Equity (ROE) | 14.7079% | 686 |
| Retained earnings to average equity (ytd only) | 14.7079% | 250 |
| Net charge-offs to loans | -0.1031% | 5,452 |
| Credit loss provision to net charge-offs | -129.3103% | 3,979 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7514% | 3,537 |
| Assets per employee ($millions) | 3.6789% | 4,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 1,737 |
| Loan loss allowance to noncurrent loans | 1,281.2030% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 3,751 |
| Noncurrent loans to loans | 0.1160% | 4,730 |
| Net loans and leases to total assets | 78.6954% | 1,029 |
| Net loans and leases to deposits | 88.6442% | 1,715 |
| Net loans and leases to core deposits | 110.8623% | 840 |
| Total domestic deposits to total assets | 88.7767% | 1,272 |
| Equity capital to assets | 8.9365% | 4,871 |
| Core capital (leverage) ratio | 9.2114% | 4,471 |
| Tier 1 risk-based capital ratio | 10.2359% | 5,637 |
| Total risk-based capital ratio | 11.4873% | 5,579 |
| Memoranda: | ||
| Average total assets | $282,125,000 | 2,313 |
| Average earning assets | $266,298,000 | 2,273 |
| Average equity | $25,020,500 | 2,712 |
| Average total loans | $225,132,000 | 1,985 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6343% | 1,201 |
| Cost of funding earning assets | 0.6900% | 857 |
| Net interest margin | 3.9442% | 1,809 |
| Noninterest income to average assets | 2.3532% | 273 |
| Noninterest expense to average assets | 4.3589% | 425 |
| Loan and lease loss provision to assets | 0.0692% | 2,971 |
| Net operating income to assets | 1.2155% | 1,451 |
| Return on assets (ROA) | 1.2264% | 1,510 |
| Pretax return on assets | 1.6803% | 1,052 |
| Return on Equity (ROE) | 13.1035% | 971 |
| Retained earnings to average equity (ytd only) | 13.0951% | 163 |
| Net charge-offs to loans | -0.0020% | 4,700 |
| Credit loss provision to net charge-offs | -4,375.0000% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5352% | 2,661 |
| Assets per employee ($millions) | 3.7472% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0645% | 4,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4817% | 1,749 |
| Loan loss allowance to noncurrent loans | 1,411.6379% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.3729% | 3,790 |
| Noncurrent loans to loans | 0.1050% | 4,814 |
| Net loans and leases to total assets | 78.5303% | 1,121 |
| Net loans and leases to deposits | 87.8897% | 1,938 |
| Net loans and leases to core deposits | 105.9820% | 1,132 |
| Total domestic deposits to total assets | 89.3510% | 926 |
| Equity capital to assets | 8.7983% | 5,012 |
| Core capital (leverage) ratio | 9.2138% | 4,459 |
| Tier 1 risk-based capital ratio | 10.4458% | 5,594 |
| Total risk-based capital ratio | 11.6973% | 5,538 |
| Memoranda: | ||
| Average total assets | $252,929,400 | 2,482 |
| Average earning assets | $239,843,400 | 2,437 |
| Average equity | $23,673,000 | 2,827 |
| Average total loans | $196,623,600 | 2,144 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6188% | 1,257 |
| Cost of funding earning assets | 0.7473% | 645 |
| Net interest margin | 3.8715% | 2,081 |
| Noninterest income to average assets | 2.3810% | 278 |
| Noninterest expense to average assets | 4.3968% | 416 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2234% | 1,548 |
| Return on assets (ROA) | 1.2234% | 1,645 |
| Pretax return on assets | 1.6556% | 1,232 |
| Return on Equity (ROE) | 12.8551% | 1,094 |
| Retained earnings to average equity (ytd only) | 12.8494% | 228 |
| Net charge-offs to loans | -0.0042% | 4,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6461% | 2,480 |
| Assets per employee ($millions) | 3.5919% | 4,654 |
| Cash dividends to net income (ytd only)* | 0.0440% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 1,785 |
| Loan loss allowance to noncurrent loans | 1,202.3256% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 3,817 |
| Noncurrent loans to loans | 0.1242% | 4,843 |
| Net loans and leases to total assets | 75.9397% | 1,529 |
| Net loans and leases to deposits | 85.1228% | 2,352 |
| Net loans and leases to core deposits | 108.9463% | 988 |
| Total domestic deposits to total assets | 89.2119% | 792 |
| Equity capital to assets | 9.2680% | 4,897 |
| Core capital (leverage) ratio | 9.0285% | 4,803 |
| Tier 1 risk-based capital ratio | 10.4784% | 5,630 |
| Total risk-based capital ratio | 11.7297% | 5,554 |
| Memoranda: | ||
| Average total assets | $246,838,500 | 2,543 |
| Average earning assets | $234,080,000 | 2,487 |
| Average equity | $23,492,000 | 2,865 |
| Average total loans | $190,521,000 | 2,204 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6231% | 1,228 |
| Cost of funding earning assets | 0.7818% | 538 |
| Net interest margin | 3.8413% | 2,165 |
| Noninterest income to average assets | 2.0090% | 335 |
| Noninterest expense to average assets | 4.1459% | 516 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0488% | 2,185 |
| Return on assets (ROA) | 1.0488% | 2,310 |
| Pretax return on assets | 1.5093% | 1,644 |
| Return on Equity (ROE) | 10.9129% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.9129% | 445 |
| Net charge-offs to loans | -0.0032% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3117% | 2,467 |
| Assets per employee ($millions) | 3.4430% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 1,549 |
| Loan loss allowance to noncurrent loans | 163.4494% | 2,695 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 1,942 |
| Noncurrent loans to loans | 0.9747% | 2,330 |
| Net loans and leases to total assets | 76.1655% | 1,470 |
| Net loans and leases to deposits | 89.3703% | 1,824 |
| Net loans and leases to core deposits | 116.6159% | 620 |
| Total domestic deposits to total assets | 85.2246% | 2,774 |
| Equity capital to assets | 9.5672% | 4,699 |
| Core capital (leverage) ratio | 9.4783% | 4,235 |
| Tier 1 risk-based capital ratio | 10.7284% | 5,562 |
| Total risk-based capital ratio | 11.9808% | 5,481 |
| Memoranda: | ||
| Average total assets | $239,321,330 | 2,602 |
| Average earning assets | $227,161,330 | 2,562 |
| Average equity | $23,000,330 | 2,922 |
| Average total loans | $184,802,670 | 2,266 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6666% | 1,115 |
| Cost of funding earning assets | 0.7940% | 502 |
| Net interest margin | 3.8726% | 2,023 |
| Noninterest income to average assets | 1.5773% | 472 |
| Noninterest expense to average assets | 3.9398% | 654 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9086% | 2,709 |
| Return on assets (ROA) | 0.9086% | 2,829 |
| Pretax return on assets | 1.3081% | 2,271 |
| Return on Equity (ROE) | 9.4317% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.4317% | 991 |
| Net charge-offs to loans | -0.0044% | 4,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0735% | 2,319 |
| Assets per employee ($millions) | 3.6747% | 4,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6628% | 1,452 |
| Loan loss allowance to noncurrent loans | 160.3520% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 1.2342% | 1,762 |
| Noncurrent loans to loans | 1.0369% | 2,314 |
| Net loans and leases to total assets | 76.7061% | 1,291 |
| Net loans and leases to deposits | 95.8228% | 958 |
| Net loans and leases to core deposits | 108.3829% | 952 |
| Total domestic deposits to total assets | 80.0500% | 4,733 |
| Equity capital to assets | 9.5450% | 4,629 |
| Core capital (leverage) ratio | 9.6884% | 3,928 |
| Tier 1 risk-based capital ratio | 10.8825% | 5,563 |
| Total risk-based capital ratio | 12.1356% | 5,467 |
| Memoranda: | ||
| Average total assets | $233,313,500 | 2,663 |
| Average earning assets | $221,145,500 | 2,611 |
| Average equity | $22,477,500 | 2,973 |
| Average total loans | $179,938,500 | 2,311 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6445% | 1,226 |
| Cost of funding earning assets | 0.8400% | 399 |
| Net interest margin | 3.8046% | 2,357 |
| Noninterest income to average assets | 2.0516% | 349 |
| Noninterest expense to average assets | 4.1563% | 563 |
| Loan and lease loss provision to assets | 0.1533% | 1,531 |
| Net operating income to assets | 0.9241% | 2,732 |
| Return on assets (ROA) | 0.9318% | 2,779 |
| Pretax return on assets | 1.3308% | 2,164 |
| Return on Equity (ROE) | 9.7391% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.7391% | 498 |
| Net charge-offs to loans | 0.0225% | 3,810 |
| Credit loss provision to net charge-offs | 881.5789% | 385 |
| Earnings coverage of net charge-offs (x) | 84.7105% | 665 |
| Efficiency ratio | 73.8314% | 2,606 |
| Assets per employee ($millions) | 3.5589% | 4,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 1,164 |
| Loan loss allowance to noncurrent loans | 157.4771% | 2,710 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 1,343 |
| Noncurrent loans to loans | 1.1327% | 2,072 |
| Net loans and leases to total assets | 74.8408% | 1,594 |
| Net loans and leases to deposits | 92.2320% | 1,377 |
| Net loans and leases to core deposits | 105.3365% | 1,144 |
| Total domestic deposits to total assets | 81.1441% | 4,440 |
| Equity capital to assets | 9.7274% | 4,263 |
| Core capital (leverage) ratio | 9.5879% | 4,058 |
| Tier 1 risk-based capital ratio | 11.3790% | 5,323 |
| Total risk-based capital ratio | 12.6338% | 5,217 |
| Memoranda: | ||
| Average total assets | $218,510,000 | 2,758 |
| Average earning assets | $205,488,200 | 2,717 |
| Average equity | $20,905,400 | 3,081 |
| Average total loans | $168,635,000 | 2,366 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 1,232 |
| Cost of funding earning assets | 0.8404% | 400 |
| Net interest margin | 3.8011% | 2,379 |
| Noninterest income to average assets | 2.1721% | 320 |
| Noninterest expense to average assets | 4.0974% | 598 |
| Loan and lease loss provision to assets | 0.1758% | 1,204 |
| Net operating income to assets | 0.9832% | 2,559 |
| Return on assets (ROA) | 0.9960% | 2,579 |
| Pretax return on assets | 1.4857% | 1,720 |
| Return on Equity (ROE) | 10.4565% | 1,917 |
| Retained earnings to average equity (ytd only) | 10.4565% | 559 |
| Net charge-offs to loans | 0.0199% | 3,544 |
| Credit loss provision to net charge-offs | 1,140.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 106.5281% | 590 |
| Efficiency ratio | 71.3871% | 2,980 |
| Assets per employee ($millions) | 3.8804% | 4,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 1,307 |
| Loan loss allowance to noncurrent loans | 106.5854% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 1,290 |
| Noncurrent loans to loans | 1.6693% | 1,465 |
| Net loans and leases to total assets | 72.5288% | 1,976 |
| Net loans and leases to deposits | 85.3466% | 2,232 |
| Net loans and leases to core deposits | 104.8473% | 1,178 |
| Total domestic deposits to total assets | 84.9815% | 3,020 |
| Equity capital to assets | 9.1893% | 5,129 |
| Core capital (leverage) ratio | 9.4379% | 4,384 |
| Tier 1 risk-based capital ratio | 11.1740% | 5,560 |
| Total risk-based capital ratio | 12.4285% | 5,454 |
| Memoranda: | ||
| Average total assets | $216,195,000 | 2,802 |
| Average earning assets | $202,918,500 | 2,769 |
| Average equity | $20,592,750 | 3,140 |
| Average total loans | $167,403,500 | 2,394 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6632% | 1,140 |
| Cost of funding earning assets | 0.8607% | 355 |
| Net interest margin | 3.8025% | 2,299 |
| Noninterest income to average assets | 2.2995% | 306 |
| Noninterest expense to average assets | 4.1509% | 579 |
| Loan and lease loss provision to assets | 0.1994% | 985 |
| Net operating income to assets | 1.0066% | 2,358 |
| Return on assets (ROA) | 1.0263% | 2,371 |
| Pretax return on assets | 1.5314% | 1,552 |
| Return on Equity (ROE) | 10.6370% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.6370% | 559 |
| Net charge-offs to loans | -0.0808% | 5,706 |
| Credit loss provision to net charge-offs | -313.4328% | 5,122 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9280% | 3,172 |
| Assets per employee ($millions) | 3.4792% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7954% | 1,383 |
| Loan loss allowance to noncurrent loans | 97.9306% | 3,758 |
| Noncurrent assets plus other real estate owned to assets | 2.1529% | 987 |
| Noncurrent loans to loans | 1.8333% | 1,384 |
| Net loans and leases to total assets | 76.7592% | 1,262 |
| Net loans and leases to deposits | 94.0690% | 1,145 |
| Net loans and leases to core deposits | 111.5406% | 761 |
| Total domestic deposits to total assets | 81.5988% | 4,420 |
| Equity capital to assets | 9.3575% | 4,833 |
| Core capital (leverage) ratio | 9.6286% | 4,103 |
| Tier 1 risk-based capital ratio | 11.0473% | 5,689 |
| Total risk-based capital ratio | 12.3034% | 5,606 |
| Memoranda: | ||
| Average total assets | $210,651,330 | 2,880 |
| Average earning assets | $196,818,670 | 2,849 |
| Average equity | $20,325,330 | 3,182 |
| Average total loans | $165,896,330 | 2,418 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6639% | 1,103 |
| Cost of funding earning assets | 0.9120% | 269 |
| Net interest margin | 3.7520% | 2,425 |
| Noninterest income to average assets | 2.1126% | 341 |
| Noninterest expense to average assets | 3.9674% | 723 |
| Loan and lease loss provision to assets | 0.1454% | 1,397 |
| Net operating income to assets | 0.9727% | 2,379 |
| Return on assets (ROA) | 1.0117% | 2,344 |
| Pretax return on assets | 1.5525% | 1,383 |
| Return on Equity (ROE) | 10.3200% | 1,861 |
| Retained earnings to average equity (ytd only) | 10.3200% | 846 |
| Net charge-offs to loans | -0.0172% | 4,971 |
| Credit loss provision to net charge-offs | -1,071.4286% | 4,996 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7815% | 3,357 |
| Assets per employee ($millions) | 3.1679% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7416% | 1,632 |
| Loan loss allowance to noncurrent loans | 89.2227% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 2.3402% | 942 |
| Noncurrent loans to loans | 1.9519% | 1,359 |
| Net loans and leases to total assets | 77.7427% | 965 |
| Net loans and leases to deposits | 92.5297% | 1,130 |
| Net loans and leases to core deposits | 113.5867% | 590 |
| Total domestic deposits to total assets | 84.0192% | 3,809 |
| Equity capital to assets | 9.7995% | 4,388 |
| Core capital (leverage) ratio | 9.5393% | 4,214 |
| Tier 1 risk-based capital ratio | 10.9273% | 5,837 |
| Total risk-based capital ratio | 12.1844% | 5,763 |
| Memoranda: | ||
| Average total assets | $206,381,000 | 2,946 |
| Average earning assets | $192,113,000 | 2,926 |
| Average equity | $20,232,500 | 3,213 |
| Average total loans | $163,181,500 | 2,455 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6443% | 1,437 |
| Cost of funding earning assets | 1.0278% | 198 |
| Net interest margin | 3.6165% | 3,350 |
| Noninterest income to average assets | 1.7953% | 403 |
| Noninterest expense to average assets | 4.0217% | 736 |
| Loan and lease loss provision to assets | 0.1310% | 2,000 |
| Net operating income to assets | 1.5371% | 817 |
| Return on assets (ROA) | 1.5114% | 892 |
| Pretax return on assets | 0.9641% | 3,629 |
| Return on Equity (ROE) | 17.8465% | 413 |
| Retained earnings to average equity (ytd only) | 17.8465% | 92 |
| Net charge-offs to loans | 0.0718% | 3,454 |
| Credit loss provision to net charge-offs | 241.2281% | 1,055 |
| Earnings coverage of net charge-offs (x) | 20.6404% | 1,718 |
| Efficiency ratio | 78.2049% | 2,183 |
| Assets per employee ($millions) | 2.9097% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7392% | 1,682 |
| Loan loss allowance to noncurrent loans | 85.5440% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 2.9546% | 695 |
| Noncurrent loans to loans | 2.0331% | 1,360 |
| Net loans and leases to total assets | 77.6399% | 1,052 |
| Net loans and leases to deposits | 97.2941% | 807 |
| Net loans and leases to core deposits | 115.1058% | 551 |
| Total domestic deposits to total assets | 79.7992% | 5,069 |
| Equity capital to assets | 9.8075% | 4,343 |
| Core capital (leverage) ratio | 9.2696% | 4,573 |
| Tier 1 risk-based capital ratio | 11.4158% | 5,707 |
| Total risk-based capital ratio | 12.6711% | 5,625 |
| Memoranda: | ||
| Average total assets | $209,937,200 | 2,875 |
| Average earning assets | $194,302,600 | 2,864 |
| Average equity | $17,779,400 | 3,422 |
| Average total loans | $158,760,200 | 2,444 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5684% | 1,648 |
| Cost of funding earning assets | 1.0324% | 209 |
| Net interest margin | 3.5360% | 3,691 |
| Noninterest income to average assets | 1.7771% | 414 |
| Noninterest expense to average assets | 3.8423% | 917 |
| Loan and lease loss provision to assets | 0.1261% | 1,985 |
| Net operating income to assets | 1.3925% | 1,147 |
| Return on assets (ROA) | 1.3585% | 1,276 |
| Pretax return on assets | 1.0414% | 3,419 |
| Return on Equity (ROE) | 16.6757% | 596 |
| Retained earnings to average equity (ytd only) | 16.6757% | 149 |
| Net charge-offs to loans | 0.0236% | 4,042 |
| Credit loss provision to net charge-offs | 714.2857% | 426 |
| Earnings coverage of net charge-offs (x) | 68.0758% | 791 |
| Efficiency ratio | 76.1780% | 2,467 |
| Assets per employee ($millions) | 3.1835% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 1,967 |
| Loan loss allowance to noncurrent loans | 180.5395% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 3.0803% | 754 |
| Noncurrent loans to loans | 0.9426% | 3,207 |
| Net loans and leases to total assets | 78.4648% | 908 |
| Net loans and leases to deposits | 92.5193% | 1,182 |
| Net loans and leases to core deposits | 98.1176% | 1,521 |
| Total domestic deposits to total assets | 84.8091% | 3,416 |
| Equity capital to assets | 9.0283% | 5,323 |
| Core capital (leverage) ratio | 8.8984% | 5,199 |
| Tier 1 risk-based capital ratio | 10.9537% | 6,014 |
| Total risk-based capital ratio | 12.2084% | 5,961 |
| Memoranda: | ||
| Average total assets | $211,501,500 | 2,890 |
| Average earning assets | $195,395,500 | 2,879 |
| Average equity | $17,230,250 | 3,509 |
| Average total loans | $158,216,250 | 2,465 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4509% | 1,991 |
| Cost of funding earning assets | 1.0405% | 207 |
| Net interest margin | 3.4103% | 4,136 |
| Noninterest income to average assets | 1.5134% | 536 |
| Noninterest expense to average assets | 3.6484% | 1,212 |
| Loan and lease loss provision to assets | 0.1174% | 2,083 |
| Net operating income to assets | 1.2102% | 1,559 |
| Return on assets (ROA) | 1.2083% | 1,623 |
| Pretax return on assets | 0.8844% | 3,947 |
| Return on Equity (ROE) | 15.3705% | 737 |
| Retained earnings to average equity (ytd only) | 15.3705% | 196 |
| Net charge-offs to loans | 0.0180% | 3,860 |
| Credit loss provision to net charge-offs | 892.8571% | 367 |
| Earnings coverage of net charge-offs (x) | 76.3571% | 692 |
| Efficiency ratio | 78.4258% | 2,237 |
| Assets per employee ($millions) | 3.5333% | 4,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7126% | 2,091 |
| Loan loss allowance to noncurrent loans | 166.4044% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 3.4285% | 691 |
| Noncurrent loans to loans | 1.0292% | 3,176 |
| Net loans and leases to total assets | 76.9850% | 1,053 |
| Net loans and leases to deposits | 92.2064% | 1,121 |
| Net loans and leases to core deposits | 97.9603% | 1,446 |
| Total domestic deposits to total assets | 83.4921% | 4,115 |
| Equity capital to assets | 8.6482% | 5,666 |
| Core capital (leverage) ratio | 8.7806% | 5,292 |
| Tier 1 risk-based capital ratio | 10.8054% | 6,127 |
| Total risk-based capital ratio | 12.0609% | 6,073 |
| Memoranda: | ||
| Average total assets | $213,026,670 | 2,884 |
| Average earning assets | $196,050,670 | 2,881 |
| Average equity | $16,746,330 | 3,571 |
| Average total loans | $155,896,670 | 2,494 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3503% | 2,330 |
| Cost of funding earning assets | 1.0710% | 189 |
| Net interest margin | 3.2794% | 4,624 |
| Noninterest income to average assets | 1.1130% | 903 |
| Noninterest expense to average assets | 3.3684% | 1,787 |
| Loan and lease loss provision to assets | 0.0921% | 2,381 |
| Net operating income to assets | 0.9766% | 2,292 |
| Return on assets (ROA) | 0.9766% | 2,357 |
| Pretax return on assets | 0.6542% | 4,649 |
| Return on Equity (ROE) | 13.0397% | 1,152 |
| Retained earnings to average equity (ytd only) | 13.0397% | 480 |
| Net charge-offs to loans | 0.0313% | 2,967 |
| Credit loss provision to net charge-offs | 416.6667% | 634 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 975 |
| Efficiency ratio | 81.8630% | 1,945 |
| Assets per employee ($millions) | 3.7389% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 2,240 |
| Loan loss allowance to noncurrent loans | 165.6966% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 3.5175% | 739 |
| Noncurrent loans to loans | 1.0459% | 3,331 |
| Net loans and leases to total assets | 75.1519% | 1,105 |
| Net loans and leases to deposits | 87.9026% | 1,369 |
| Net loans and leases to core deposits | 93.1541% | 1,628 |
| Total domestic deposits to total assets | 85.4945% | 3,615 |
| Equity capital to assets | 8.2233% | 5,890 |
| Core capital (leverage) ratio | 8.2981% | 5,845 |
| Tier 1 risk-based capital ratio | 10.6281% | 6,298 |
| Total risk-based capital ratio | 11.8836% | 6,261 |
| Memoranda: | ||
| Average total assets | $217,074,000 | 2,861 |
| Average earning assets | $198,697,500 | 2,865 |
| Average equity | $16,258,000 | 3,655 |
| Average total loans | $153,587,000 | 2,540 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3237% | 2,869 |
| Cost of funding earning assets | 1.2393% | 145 |
| Net interest margin | 3.0844% | 5,365 |
| Noninterest income to average assets | 2.2141% | 342 |
| Noninterest expense to average assets | 4.2887% | 639 |
| Loan and lease loss provision to assets | 0.2858% | 1,209 |
| Net operating income to assets | 0.7565% | 3,508 |
| Return on assets (ROA) | 0.8479% | 3,120 |
| Pretax return on assets | 0.6097% | 4,845 |
| Return on Equity (ROE) | 11.5500% | 1,570 |
| Retained earnings to average equity (ytd only) | 11.5500% | 365 |
| Net charge-offs to loans | 0.6978% | 926 |
| Credit loss provision to net charge-offs | 55.3506% | 3,694 |
| Earnings coverage of net charge-offs (x) | 1.5572% | 4,536 |
| Efficiency ratio | 84.2110% | 1,605 |
| Assets per employee ($millions) | 3.4663% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7268% | 2,319 |
| Loan loss allowance to noncurrent loans | 160.9518% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 3.2487% | 936 |
| Noncurrent loans to loans | 1.0729% | 3,378 |
| Net loans and leases to total assets | 64.6412% | 2,932 |
| Net loans and leases to deposits | 73.7865% | 3,295 |
| Net loans and leases to core deposits | 79.5597% | 3,184 |
| Total domestic deposits to total assets | 87.6058% | 2,416 |
| Equity capital to assets | 6.8518% | 6,498 |
| Core capital (leverage) ratio | 8.3608% | 5,815 |
| Tier 1 risk-based capital ratio | 10.0822% | 6,495 |
| Total risk-based capital ratio | 11.3369% | 6,458 |
| Memoranda: | ||
| Average total assets | $209,924,600 | 2,914 |
| Average earning assets | $195,918,600 | 2,877 |
| Average equity | $15,411,200 | 3,797 |
| Average total loans | $155,351,200 | 2,488 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 2,813 |
| Cost of funding earning assets | 1.2792% | 139 |
| Net interest margin | 3.0655% | 5,414 |
| Noninterest income to average assets | 2.4755% | 298 |
| Noninterest expense to average assets | 4.4662% | 538 |
| Loan and lease loss provision to assets | 0.2936% | 1,167 |
| Net operating income to assets | 0.6035% | 4,334 |
| Return on assets (ROA) | 0.7288% | 3,837 |
| Pretax return on assets | 0.7288% | 4,581 |
| Return on Equity (ROE) | 9.7431% | 2,285 |
| Retained earnings to average equity (ytd only) | 9.7431% | 845 |
| Net charge-offs to loans | 0.6060% | 1,032 |
| Credit loss provision to net charge-offs | 63.4697% | 3,217 |
| Earnings coverage of net charge-offs (x) | 1.9394% | 4,177 |
| Efficiency ratio | 83.2725% | 1,678 |
| Assets per employee ($millions) | 2.9817% | 5,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 2,333 |
| Loan loss allowance to noncurrent loans | 49.9302% | 5,232 |
| Noncurrent assets plus other real estate owned to assets | 4.9464% | 567 |
| Noncurrent loans to loans | 3.5865% | 1,053 |
| Net loans and leases to total assets | 77.4135% | 820 |
| Net loans and leases to deposits | 89.9778% | 1,166 |
| Net loans and leases to core deposits | 98.4489% | 1,209 |
| Total domestic deposits to total assets | 86.0363% | 3,232 |
| Equity capital to assets | 7.4864% | 6,401 |
| Core capital (leverage) ratio | 7.7819% | 6,335 |
| Tier 1 risk-based capital ratio | 9.3038% | 6,702 |
| Total risk-based capital ratio | 10.5592% | 6,684 |
| Memoranda: | ||
| Average total assets | $204,344,500 | 2,998 |
| Average earning assets | $192,505,500 | 2,941 |
| Average equity | $15,285,750 | 3,864 |
| Average total loans | $155,998,000 | 2,486 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 3,267 |
| Cost of funding earning assets | 1.2700% | 166 |
| Net interest margin | 2.9541% | 5,687 |
| Noninterest income to average assets | 2.5254% | 313 |
| Noninterest expense to average assets | 4.4076% | 575 |
| Loan and lease loss provision to assets | 0.2929% | 1,237 |
| Net operating income to assets | 0.6111% | 4,234 |
| Return on assets (ROA) | 0.7985% | 3,455 |
| Pretax return on assets | 0.7985% | 4,319 |
| Return on Equity (ROE) | 10.6779% | 1,936 |
| Retained earnings to average equity (ytd only) | 10.6779% | 706 |
| Net charge-offs to loans | 0.8880% | 704 |
| Credit loss provision to net charge-offs | 43.6681% | 3,346 |
| Earnings coverage of net charge-offs (x) | 1.3479% | 4,094 |
| Efficiency ratio | 82.9811% | 1,761 |
| Assets per employee ($millions) | 2.7440% | 6,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6183% | 3,090 |
| Loan loss allowance to noncurrent loans | 54.7657% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 5.1152% | 594 |
| Noncurrent loans to loans | 2.9549% | 1,512 |
| Net loans and leases to total assets | 78.6937% | 674 |
| Net loans and leases to deposits | 94.0724% | 806 |
| Net loans and leases to core deposits | 104.0240% | 840 |
| Total domestic deposits to total assets | 83.6523% | 4,470 |
| Equity capital to assets | 7.1906% | 6,548 |
| Core capital (leverage) ratio | 7.7788% | 6,321 |
| Tier 1 risk-based capital ratio | 9.1411% | 6,752 |
| Total risk-based capital ratio | 10.3954% | 6,750 |
| Memoranda: | ||
| Average total assets | $204,874,670 | 3,004 |
| Average earning assets | $193,222,670 | 2,954 |
| Average equity | $15,321,330 | 3,889 |
| Average total loans | $154,723,670 | 2,508 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 3,490 |
| Cost of funding earning assets | 1.2710% | 174 |
| Net interest margin | 2.8847% | 5,843 |
| Noninterest income to average assets | 2.1005% | 405 |
| Noninterest expense to average assets | 4.1355% | 769 |
| Loan and lease loss provision to assets | 0.2975% | 1,175 |
| Net operating income to assets | 0.4046% | 5,113 |
| Return on assets (ROA) | 0.7874% | 3,364 |
| Pretax return on assets | 0.7874% | 4,220 |
| Return on Equity (ROE) | 10.3214% | 1,947 |
| Retained earnings to average equity (ytd only) | 10.3214% | 1,028 |
| Net charge-offs to loans | 0.6098% | 998 |
| Credit loss provision to net charge-offs | 66.6667% | 2,337 |
| Earnings coverage of net charge-offs (x) | 1.5733% | 3,309 |
| Efficiency ratio | 85.4859% | 1,586 |
| Assets per employee ($millions) | 2.9648% | 6,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0417% | 1,934 |
| Loan loss allowance to noncurrent loans | 42.4906% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 6.4091% | 473 |
| Noncurrent loans to loans | 4.8051% | 815 |
| Net loans and leases to total assets | 74.7110% | 987 |
| Net loans and leases to deposits | 87.5190% | 1,191 |
| Net loans and leases to core deposits | 96.8858% | 1,151 |
| Total domestic deposits to total assets | 85.3655% | 3,865 |
| Equity capital to assets | 7.8948% | 6,435 |
| Core capital (leverage) ratio | 7.6148% | 6,410 |
| Tier 1 risk-based capital ratio | 9.8547% | 6,713 |
| Total risk-based capital ratio | 11.1137% | 6,696 |
| Memoranda: | ||
| Average total assets | $201,667,000 | 3,082 |
| Average earning assets | $191,352,500 | 2,999 |
| Average equity | $15,385,500 | 3,920 |
| Average total loans | $147,582,000 | 2,625 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3603% | 3,985 |
| Cost of funding earning assets | 1.3713% | 278 |
| Net interest margin | 2.9890% | 6,073 |
| Noninterest income to average assets | 1.4148% | 779 |
| Noninterest expense to average assets | 3.6087% | 1,588 |
| Loan and lease loss provision to assets | 0.6035% | 908 |
| Net operating income to assets | 0.0058% | 6,155 |
| Return on assets (ROA) | 0.3805% | 5,407 |
| Pretax return on assets | 0.3805% | 5,626 |
| Return on Equity (ROE) | 5.6216% | 4,356 |
| Retained earnings to average equity (ytd only) | 5.6216% | 2,299 |
| Net charge-offs to loans | 1.7858% | 458 |
| Credit loss provision to net charge-offs | 48.2771% | 4,734 |
| Earnings coverage of net charge-offs (x) | 0.4874% | 5,245 |
| Efficiency ratio | 85.5532% | 1,471 |
| Assets per employee ($millions) | 3.4043% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1394% | 1,670 |
| Loan loss allowance to noncurrent loans | 38.0453% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 7.3649% | 409 |
| Noncurrent loans to loans | 5.6234% | 650 |
| Net loans and leases to total assets | 68.7687% | 2,070 |
| Net loans and leases to deposits | 79.7548% | 2,318 |
| Net loans and leases to core deposits | 87.6572% | 2,127 |
| Total domestic deposits to total assets | 86.2251% | 3,241 |
| Equity capital to assets | 7.3789% | 6,677 |
| Core capital (leverage) ratio | 7.1614% | 6,651 |
| Tier 1 risk-based capital ratio | 9.9532% | 6,716 |
| Total risk-based capital ratio | 11.2138% | 6,676 |
| Memoranda: | ||
| Average total assets | $222,850,800 | 2,811 |
| Average earning assets | $208,999,800 | 2,749 |
| Average equity | $15,084,600 | 3,948 |
| Average total loans | $156,010,400 | 2,487 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4335% | 3,907 |
| Cost of funding earning assets | 1.3860% | 309 |
| Net interest margin | 3.0475% | 6,069 |
| Noninterest income to average assets | 1.2607% | 942 |
| Noninterest expense to average assets | 3.3978% | 2,004 |
| Loan and lease loss provision to assets | 0.5000% | 1,226 |
| Net operating income to assets | 0.2135% | 5,879 |
| Return on assets (ROA) | 0.4812% | 5,173 |
| Pretax return on assets | 0.4812% | 5,513 |
| Return on Equity (ROE) | 7.2588% | 3,661 |
| Retained earnings to average equity (ytd only) | 7.2588% | 1,972 |
| Net charge-offs to loans | 1.1186% | 901 |
| Credit loss provision to net charge-offs | 63.9098% | 4,054 |
| Earnings coverage of net charge-offs (x) | 0.9120% | 4,872 |
| Efficiency ratio | 82.6442% | 1,740 |
| Assets per employee ($millions) | 3.7070% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6953% | 986 |
| Loan loss allowance to noncurrent loans | 60.4083% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 6.5305% | 576 |
| Noncurrent loans to loans | 4.4618% | 1,063 |
| Net loans and leases to total assets | 67.3958% | 2,385 |
| Net loans and leases to deposits | 77.8385% | 2,684 |
| Net loans and leases to core deposits | 85.0899% | 2,570 |
| Total domestic deposits to total assets | 86.5841% | 2,931 |
| Equity capital to assets | 7.2104% | 6,844 |
| Core capital (leverage) ratio | 6.6566% | 6,853 |
| Tier 1 risk-based capital ratio | 9.5692% | 6,888 |
| Total risk-based capital ratio | 10.8364% | 6,876 |
| Memoranda: | ||
| Average total assets | $226,648,500 | 2,788 |
| Average earning assets | $212,016,750 | 2,734 |
| Average equity | $15,025,000 | 3,996 |
| Average total loans | $158,531,250 | 2,467 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 4,058 |
| Cost of funding earning assets | 1.4160% | 330 |
| Net interest margin | 3.0148% | 6,215 |
| Noninterest income to average assets | 0.9211% | 1,706 |
| Noninterest expense to average assets | 3.2229% | 2,517 |
| Loan and lease loss provision to assets | 0.4797% | 1,320 |
| Net operating income to assets | 0.0375% | 6,276 |
| Return on assets (ROA) | 0.4344% | 5,325 |
| Pretax return on assets | 0.4344% | 5,618 |
| Return on Equity (ROE) | 6.7404% | 3,920 |
| Retained earnings to average equity (ytd only) | 6.7404% | 2,254 |
| Net charge-offs to loans | 1.5167% | 654 |
| Credit loss provision to net charge-offs | 45.0820% | 4,146 |
| Earnings coverage of net charge-offs (x) | 0.4861% | 4,833 |
| Efficiency ratio | 86.1707% | 1,417 |
| Assets per employee ($millions) | 4.0390% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4930% | 1,296 |
| Loan loss allowance to noncurrent loans | 67.2774% | 4,312 |
| Noncurrent assets plus other real estate owned to assets | 6.1043% | 693 |
| Noncurrent loans to loans | 3.7055% | 1,530 |
| Net loans and leases to total assets | 67.3021% | 2,405 |
| Net loans and leases to deposits | 76.9755% | 2,836 |
| Net loans and leases to core deposits | 85.2611% | 2,524 |
| Total domestic deposits to total assets | 87.4332% | 2,512 |
| Equity capital to assets | 6.6610% | 6,962 |
| Core capital (leverage) ratio | 6.4768% | 6,935 |
| Tier 1 risk-based capital ratio | 9.0153% | 6,983 |
| Total risk-based capital ratio | 10.2802% | 6,980 |
| Memoranda: | ||
| Average total assets | $229,294,330 | 2,766 |
| Average earning assets | $214,406,330 | 2,709 |
| Average equity | $14,776,670 | 4,036 |
| Average total loans | $160,880,000 | 2,453 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4371% | 4,170 |
| Cost of funding earning assets | 1.4536% | 346 |
| Net interest margin | 2.9835% | 6,325 |
| Noninterest income to average assets | 0.8698% | 1,869 |
| Noninterest expense to average assets | 3.1050% | 2,898 |
| Loan and lease loss provision to assets | 0.5198% | 1,160 |
| Net operating income to assets | 0.0260% | 6,372 |
| Return on assets (ROA) | 0.7901% | 3,667 |
| Pretax return on assets | 0.7901% | 4,451 |
| Return on Equity (ROE) | 12.4658% | 1,538 |
| Retained earnings to average equity (ytd only) | 12.4658% | 755 |
| Net charge-offs to loans | 1.6489% | 589 |
| Credit loss provision to net charge-offs | 44.5765% | 3,372 |
| Earnings coverage of net charge-offs (x) | 0.4681% | 4,110 |
| Efficiency ratio | 85.0498% | 1,577 |
| Assets per employee ($millions) | 4.7319% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6320% | 1,190 |
| Loan loss allowance to noncurrent loans | 50.9422% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 7.5296% | 537 |
| Noncurrent loans to loans | 5.1667% | 1,065 |
| Net loans and leases to total assets | 68.2449% | 2,064 |
| Net loans and leases to deposits | 77.6908% | 2,574 |
| Net loans and leases to core deposits | 85.9691% | 2,293 |
| Total domestic deposits to total assets | 87.8417% | 2,425 |
| Equity capital to assets | 6.4717% | 7,022 |
| Core capital (leverage) ratio | 6.3598% | 6,987 |
| Tier 1 risk-based capital ratio | 8.6508% | 7,067 |
| Total risk-based capital ratio | 9.9163% | 7,069 |
| Memoranda: | ||
| Average total assets | $230,850,000 | 2,760 |
| Average earning assets | $215,184,500 | 2,707 |
| Average equity | $14,632,000 | 4,066 |
| Average total loans | $163,261,000 | 2,431 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 4,203 |
| Cost of funding earning assets | 1.7307% | 289 |
| Net interest margin | 2.9783% | 6,562 |
| Noninterest income to average assets | 0.6134% | 3,096 |
| Noninterest expense to average assets | 3.6663% | 1,605 |
| Loan and lease loss provision to assets | 0.9094% | 1,055 |
| Net operating income to assets | -1.2039% | 6,823 |
| Return on assets (ROA) | -1.1350% | 6,822 |
| Pretax return on assets | -1.1350% | 6,787 |
| Return on Equity (ROE) | -18.4891% | 6,962 |
| Retained earnings to average equity (ytd only) | -18.4891% | 6,947 |
| Net charge-offs to loans | 0.6865% | 2,439 |
| Credit loss provision to net charge-offs | 187.6974% | 1,366 |
| Earnings coverage of net charge-offs (x) | -0.6076% | 6,114 |
| Efficiency ratio | 108.7315% | 456 |
| Assets per employee ($millions) | 5.3312% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7270% | 1,056 |
| Loan loss allowance to noncurrent loans | 65.8917% | 4,223 |
| Noncurrent assets plus other real estate owned to assets | 6.9135% | 668 |
| Noncurrent loans to loans | 4.1386% | 1,494 |
| Net loans and leases to total assets | 69.3884% | 2,145 |
| Net loans and leases to deposits | 78.7008% | 2,728 |
| Net loans and leases to core deposits | 88.9436% | 2,257 |
| Total domestic deposits to total assets | 88.1673% | 2,046 |
| Equity capital to assets | 6.2092% | 7,075 |
| Core capital (leverage) ratio | 6.0073% | 7,058 |
| Tier 1 risk-based capital ratio | 8.0885% | 7,105 |
| Total risk-based capital ratio | 9.3557% | 7,105 |
| Memoranda: | ||
| Average total assets | $248,285,400 | 2,536 |
| Average earning assets | $229,965,600 | 2,507 |
| Average equity | $15,241,400 | 3,860 |
| Average total loans | $175,244,400 | 2,315 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7103% | 4,408 |
| Cost of funding earning assets | 1.7844% | 276 |
| Net interest margin | 2.9259% | 6,715 |
| Noninterest income to average assets | 0.5890% | 3,240 |
| Noninterest expense to average assets | 4.0283% | 974 |
| Loan and lease loss provision to assets | 0.6812% | 1,421 |
| Net operating income to assets | -1.4132% | 7,020 |
| Return on assets (ROA) | -1.3226% | 7,014 |
| Pretax return on assets | -1.3226% | 6,973 |
| Return on Equity (ROE) | -21.6038% | 7,114 |
| Retained earnings to average equity (ytd only) | -21.6038% | 7,101 |
| Net charge-offs to loans | 0.8960% | 1,787 |
| Credit loss provision to net charge-offs | 107.9765% | 3,059 |
| Earnings coverage of net charge-offs (x) | -1.1604% | 5,948 |
| Efficiency ratio | 122.2079% | 286 |
| Assets per employee ($millions) | 5.2796% | 1,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0877% | 2,096 |
| Loan loss allowance to noncurrent loans | 55.0397% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 6.7914% | 742 |
| Noncurrent loans to loans | 3.7931% | 1,782 |
| Net loans and leases to total assets | 74.4524% | 1,243 |
| Net loans and leases to deposits | 85.9084% | 1,698 |
| Net loans and leases to core deposits | 97.4623% | 1,475 |
| Total domestic deposits to total assets | 86.6648% | 2,841 |
| Equity capital to assets | 6.5725% | 7,127 |
| Core capital (leverage) ratio | 6.0337% | 7,132 |
| Tier 1 risk-based capital ratio | 8.0922% | 7,189 |
| Total risk-based capital ratio | 9.3520% | 7,190 |
| Memoranda: | ||
| Average total assets | $251,714,000 | 2,511 |
| Average earning assets | $232,900,000 | 2,481 |
| Average equity | $15,410,500 | 3,842 |
| Average total loans | $177,223,500 | 2,299 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 4,918 |
| Cost of funding earning assets | 1.7799% | 341 |
| Net interest margin | 2.8320% | 6,885 |
| Noninterest income to average assets | 0.3031% | 5,469 |
| Noninterest expense to average assets | 4.0732% | 941 |
| Loan and lease loss provision to assets | 0.9894% | 881 |
| Net operating income to assets | -2.1458% | 7,215 |
| Return on assets (ROA) | -2.0574% | 7,202 |
| Pretax return on assets | -2.0574% | 7,172 |
| Return on Equity (ROE) | -34.3400% | 7,278 |
| Retained earnings to average equity (ytd only) | -34.3400% | 7,271 |
| Net charge-offs to loans | 1.1681% | 1,338 |
| Credit loss provision to net charge-offs | 123.1801% | 2,473 |
| Earnings coverage of net charge-offs (x) | -1.4397% | 5,678 |
| Efficiency ratio | 139.6465% | 202 |
| Assets per employee ($millions) | 5.4256% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1607% | 1,998 |
| Loan loss allowance to noncurrent loans | 52.3889% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 6.9821% | 732 |
| Noncurrent loans to loans | 4.1244% | 1,658 |
| Net loans and leases to total assets | 71.1280% | 1,972 |
| Net loans and leases to deposits | 80.5401% | 2,700 |
| Net loans and leases to core deposits | 92.9607% | 2,021 |
| Total domestic deposits to total assets | 88.3138% | 1,955 |
| Equity capital to assets | 5.9587% | 7,248 |
| Core capital (leverage) ratio | 5.7362% | 7,234 |
| Tier 1 risk-based capital ratio | 7.8440% | 7,256 |
| Total risk-based capital ratio | 9.1043% | 7,260 |
| Memoranda: | ||
| Average total assets | $259,944,330 | 2,456 |
| Average earning assets | $239,905,330 | 2,426 |
| Average equity | $15,573,670 | 3,805 |
| Average total loans | $178,755,330 | 2,302 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6245% | 4,845 |
| Cost of funding earning assets | 1.7646% | 430 |
| Net interest margin | 2.8600% | 6,820 |
| Noninterest income to average assets | 0.1641% | 6,555 |
| Noninterest expense to average assets | 2.7455% | 4,657 |
| Loan and lease loss provision to assets | 0.0739% | 5,076 |
| Net operating income to assets | -0.0266% | 6,386 |
| Return on assets (ROA) | 0.1434% | 6,018 |
| Pretax return on assets | 0.1434% | 6,068 |
| Return on Equity (ROE) | 2.3880% | 5,641 |
| Retained earnings to average equity (ytd only) | 2.3880% | 4,721 |
| Net charge-offs to loans | -0.1015% | 7,092 |
| Credit loss provision to net charge-offs | -108.6957% | 5,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3060% | 819 |
| Assets per employee ($millions) | 5.6716% | 1,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0704% | 2,247 |
| Loan loss allowance to noncurrent loans | 61.7652% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 6.9994% | 767 |
| Noncurrent loans to loans | 3.3521% | 2,235 |
| Net loans and leases to total assets | 68.3100% | 2,488 |
| Net loans and leases to deposits | 77.5933% | 3,137 |
| Net loans and leases to core deposits | 89.0004% | 2,483 |
| Total domestic deposits to total assets | 88.0360% | 2,354 |
| Equity capital to assets | 6.5871% | 7,188 |
| Core capital (leverage) ratio | 6.4342% | 7,184 |
| Tier 1 risk-based capital ratio | 9.1728% | 7,204 |
| Total risk-based capital ratio | 10.4316% | 7,205 |
| Memoranda: | ||
| Average total assets | $270,553,500 | 2,383 |
| Average earning assets | $248,675,000 | 2,357 |
| Average equity | $16,248,000 | 3,683 |
| Average total loans | $181,357,500 | 2,297 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2133% | 3,539 |
| Cost of funding earning assets | 2.1039% | 422 |
| Net interest margin | 3.1094% | 6,500 |
| Noninterest income to average assets | 0.5010% | 4,157 |
| Noninterest expense to average assets | 2.9784% | 3,933 |
| Loan and lease loss provision to assets | 0.2598% | 4,710 |
| Net operating income to assets | 0.0174% | 5,786 |
| Return on assets (ROA) | 0.1169% | 5,686 |
| Pretax return on assets | 0.1169% | 5,669 |
| Return on Equity (ROE) | 1.8458% | 5,446 |
| Retained earnings to average equity (ytd only) | 1.8458% | 4,569 |
| Net charge-offs to loans | 0.4240% | 3,926 |
| Credit loss provision to net charge-offs | 82.5472% | 5,466 |
| Earnings coverage of net charge-offs (x) | 0.8809% | 5,246 |
| Efficiency ratio | 91.4843% | 1,219 |
| Assets per employee ($millions) | 6.3382% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8601% | 2,664 |
| Loan loss allowance to noncurrent loans | 68.8714% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 6.6563% | 848 |
| Noncurrent loans to loans | 2.7009% | 2,818 |
| Net loans and leases to total assets | 63.4985% | 3,969 |
| Net loans and leases to deposits | 70.7273% | 4,720 |
| Net loans and leases to core deposits | 85.4941% | 3,397 |
| Total domestic deposits to total assets | 89.7794% | 1,218 |
| Equity capital to assets | 5.5077% | 7,398 |
| Core capital (leverage) ratio | 6.1075% | 7,280 |
| Tier 1 risk-based capital ratio | 8.2782% | 7,330 |
| Total risk-based capital ratio | 9.5345% | 7,338 |
| Memoranda: | ||
| Average total assets | $269,439,200 | 2,363 |
| Average earning assets | $238,699,200 | 2,440 |
| Average equity | $17,066,000 | 3,581 |
| Average total loans | $200,022,200 | 2,153 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4358% | 2,715 |
| Cost of funding earning assets | 2.1621% | 429 |
| Net interest margin | 3.2737% | 6,098 |
| Noninterest income to average assets | 0.5795% | 3,584 |
| Noninterest expense to average assets | 2.7276% | 4,765 |
| Loan and lease loss provision to assets | 0.1010% | 6,011 |
| Net operating income to assets | 0.6179% | 3,804 |
| Return on assets (ROA) | 0.7533% | 3,363 |
| Pretax return on assets | 0.7533% | 4,073 |
| Return on Equity (ROE) | 11.4791% | 1,652 |
| Retained earnings to average equity (ytd only) | 11.4791% | 529 |
| Net charge-offs to loans | 0.3825% | 3,766 |
| Credit loss provision to net charge-offs | 34.3643% | 6,102 |
| Earnings coverage of net charge-offs (x) | 2.4450% | 3,948 |
| Efficiency ratio | 79.1410% | 2,466 |
| Assets per employee ($millions) | 6.2094% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7189% | 3,099 |
| Loan loss allowance to noncurrent loans | 107.5887% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 6.7199% | 836 |
| Noncurrent loans to loans | 1.5976% | 4,249 |
| Net loans and leases to total assets | 67.0151% | 3,457 |
| Net loans and leases to deposits | 75.9076% | 4,196 |
| Net loans and leases to core deposits | 93.8062% | 2,550 |
| Total domestic deposits to total assets | 88.2851% | 1,808 |
| Equity capital to assets | 6.4268% | 7,434 |
| Core capital (leverage) ratio | 6.4969% | 7,337 |
| Tier 1 risk-based capital ratio | 8.5564% | 7,428 |
| Total risk-based capital ratio | 9.8150% | 7,437 |
| Memoranda: | ||
| Average total assets | $263,909,500 | 2,453 |
| Average earning assets | $231,130,500 | 2,552 |
| Average equity | $17,318,000 | 3,587 |
| Average total loans | $202,866,750 | 2,164 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5664% | 2,266 |
| Cost of funding earning assets | 2.1606% | 529 |
| Net interest margin | 3.4058% | 5,622 |
| Noninterest income to average assets | 0.7088% | 2,655 |
| Noninterest expense to average assets | 2.8701% | 4,189 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7753% | 3,088 |
| Return on assets (ROA) | 0.9825% | 2,343 |
| Pretax return on assets | 0.9825% | 3,190 |
| Return on Equity (ROE) | 14.8614% | 881 |
| Retained earnings to average equity (ytd only) | 14.8614% | 251 |
| Net charge-offs to loans | 0.0908% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 10.6702% | 1,858 |
| Efficiency ratio | 78.7320% | 2,619 |
| Assets per employee ($millions) | 6.1128% | 1,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8126% | 2,686 |
| Loan loss allowance to noncurrent loans | 96.2973% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 7.3928% | 690 |
| Noncurrent loans to loans | 1.8823% | 3,890 |
| Net loans and leases to total assets | 73.4260% | 2,053 |
| Net loans and leases to deposits | 83.3939% | 2,992 |
| Net loans and leases to core deposits | 104.1458% | 1,623 |
| Total domestic deposits to total assets | 88.0472% | 1,975 |
| Equity capital to assets | 6.7864% | 7,415 |
| Core capital (leverage) ratio | 7.0268% | 7,176 |
| Tier 1 risk-based capital ratio | 8.4091% | 7,490 |
| Total risk-based capital ratio | 9.6672% | 7,501 |
| Memoranda: | ||
| Average total assets | $258,738,670 | 2,524 |
| Average earning assets | $223,089,000 | 2,648 |
| Average equity | $17,104,670 | 3,619 |
| Average total loans | $206,979,000 | 2,152 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 2,646 |
| Cost of funding earning assets | 2.1571% | 674 |
| Net interest margin | 3.3299% | 5,861 |
| Noninterest income to average assets | 0.8727% | 1,730 |
| Noninterest expense to average assets | 2.8596% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9599% | 2,330 |
| Return on assets (ROA) | 1.1142% | 1,868 |
| Pretax return on assets | 1.1142% | 2,686 |
| Return on Equity (ROE) | 17.0869% | 601 |
| Retained earnings to average equity (ytd only) | 17.0869% | 280 |
| Net charge-offs to loans | -0.2017% | 7,674 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8674% | 3,431 |
| Assets per employee ($millions) | 5.2544% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,803 |
| Loan loss allowance to noncurrent loans | 46.0879% | 5,277 |
| Noncurrent assets plus other real estate owned to assets | 5.8163% | 1,043 |
| Noncurrent loans to loans | 3.8538% | 2,057 |
| Net loans and leases to total assets | 80.8477% | 733 |
| Net loans and leases to deposits | 95.0324% | 1,227 |
| Net loans and leases to core deposits | 120.5596% | 765 |
| Total domestic deposits to total assets | 85.0739% | 3,638 |
| Equity capital to assets | 6.6758% | 7,487 |
| Core capital (leverage) ratio | 6.9811% | 7,265 |
| Tier 1 risk-based capital ratio | 7.9650% | 7,616 |
| Total risk-based capital ratio | 9.2211% | 7,625 |
| Memoranda: | ||
| Average total assets | $256,682,500 | 2,589 |
| Average earning assets | $227,157,000 | 2,664 |
| Average equity | $16,738,000 | 3,707 |
| Average total loans | $212,186,500 | 2,159 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3571% | 4,910 |
| Cost of funding earning assets | 2.2777% | 1,739 |
| Net interest margin | 3.0794% | 6,438 |
| Noninterest income to average assets | 0.4480% | 4,825 |
| Noninterest expense to average assets | 3.1885% | 3,411 |
| Loan and lease loss provision to assets | 2.2131% | 941 |
| Net operating income to assets | -2.1208% | 7,136 |
| Return on assets (ROA) | -1.8326% | 7,019 |
| Pretax return on assets | -1.8326% | 6,874 |
| Return on Equity (ROE) | -23.2668% | 7,243 |
| Retained earnings to average equity (ytd only) | -23.2668% | 7,211 |
| Net charge-offs to loans | 2.0164% | 1,219 |
| Credit loss provision to net charge-offs | 135.9383% | 3,635 |
| Earnings coverage of net charge-offs (x) | 0.0567% | 6,121 |
| Efficiency ratio | 97.1873% | 1,260 |
| Assets per employee ($millions) | 5.3312% | 1,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 2,827 |
| Loan loss allowance to noncurrent loans | 44.6902% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 6.0098% | 941 |
| Noncurrent loans to loans | 3.8517% | 1,931 |
| Net loans and leases to total assets | 81.5934% | 749 |
| Net loans and leases to deposits | 92.2321% | 1,863 |
| Net loans and leases to core deposits | 105.4557% | 3,404 |
| Total domestic deposits to total assets | 88.4653% | 1,744 |
| Equity capital to assets | 6.3651% | 7,598 |
| Core capital (leverage) ratio | 6.4282% | 7,518 |
| Tier 1 risk-based capital ratio | 7.4413% | 7,704 |
| Total risk-based capital ratio | 8.7007% | 7,712 |
| Memoranda: | ||
| Average total assets | $254,667,600 | 2,568 |
| Average earning assets | $234,269,000 | 2,560 |
| Average equity | $20,058,600 | 3,184 |
| Average total loans | $205,618,000 | 2,249 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3943% | 4,976 |
| Cost of funding earning assets | 2.2721% | 2,101 |
| Net interest margin | 3.1222% | 6,251 |
| Noninterest income to average assets | 0.4220% | 5,119 |
| Noninterest expense to average assets | 3.0664% | 3,783 |
| Loan and lease loss provision to assets | 0.7962% | 2,373 |
| Net operating income to assets | -0.5451% | 6,471 |
| Return on assets (ROA) | -0.1604% | 6,011 |
| Pretax return on assets | -0.1604% | 5,919 |
| Return on Equity (ROE) | -1.9427% | 6,093 |
| Retained earnings to average equity (ytd only) | -1.9427% | 5,715 |
| Net charge-offs to loans | 0.6532% | 2,727 |
| Credit loss provision to net charge-offs | 152.0521% | 3,143 |
| Earnings coverage of net charge-offs (x) | 0.4795% | 5,549 |
| Efficiency ratio | 92.4317% | 1,512 |
| Assets per employee ($millions) | 5.0823% | 2,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 4,657 |
| Loan loss allowance to noncurrent loans | 34.4713% | 6,132 |
| Noncurrent assets plus other real estate owned to assets | 5.3310% | 1,090 |
| Noncurrent loans to loans | 3.6953% | 2,021 |
| Net loans and leases to total assets | 85.3367% | 402 |
| Net loans and leases to deposits | 98.9698% | 1,213 |
| Net loans and leases to core deposits | 150.6680% | 568 |
| Total domestic deposits to total assets | 86.2250% | 2,575 |
| Equity capital to assets | 8.4616% | 6,294 |
| Core capital (leverage) ratio | 8.3712% | 5,712 |
| Tier 1 risk-based capital ratio | 9.4355% | 7,416 |
| Total risk-based capital ratio | 10.6699% | 7,398 |
| Memoranda: | ||
| Average total assets | $254,360,250 | 2,579 |
| Average earning assets | $235,896,250 | 2,562 |
| Average equity | $21,001,250 | 3,101 |
| Average total loans | $203,909,500 | 2,282 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3558% | 5,376 |
| Cost of funding earning assets | 2.2529% | 2,562 |
| Net interest margin | 3.1030% | 6,228 |
| Noninterest income to average assets | 0.6687% | 3,202 |
| Noninterest expense to average assets | 2.9996% | 4,087 |
| Loan and lease loss provision to assets | 1.0604% | 1,609 |
| Net operating income to assets | -0.5345% | 6,583 |
| Return on assets (ROA) | 0.0140% | 5,873 |
| Pretax return on assets | 0.0140% | 5,833 |
| Return on Equity (ROE) | 0.1704% | 5,868 |
| Retained earnings to average equity (ytd only) | 0.1704% | 5,144 |
| Net charge-offs to loans | 0.7748% | 2,132 |
| Credit loss provision to net charge-offs | 175.0320% | 2,616 |
| Earnings coverage of net charge-offs (x) | 0.8681% | 4,883 |
| Efficiency ratio | 85.0825% | 2,346 |
| Assets per employee ($millions) | 5.1775% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 4,099 |
| Loan loss allowance to noncurrent loans | 62.3556% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 3.4452% | 1,808 |
| Noncurrent loans to loans | 2.1324% | 3,330 |
| Net loans and leases to total assets | 82.2024% | 924 |
| Net loans and leases to deposits | 95.5202% | 1,866 |
| Net loans and leases to core deposits | 162.8777% | 408 |
| Total domestic deposits to total assets | 86.0576% | 2,758 |
| Equity capital to assets | 8.3542% | 6,261 |
| Core capital (leverage) ratio | 8.3935% | 5,628 |
| Tier 1 risk-based capital ratio | 9.6490% | 7,276 |
| Total risk-based capital ratio | 10.9030% | 7,217 |
| Memoranda: | ||
| Average total assets | $257,830,670 | 2,559 |
| Average earning assets | $237,386,670 | 2,550 |
| Average equity | $21,121,000 | 3,080 |
| Average total loans | $201,591,330 | 2,335 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1535% | 6,477 |
| Cost of funding earning assets | 2.1754% | 3,293 |
| Net interest margin | 2.9781% | 6,537 |
| Noninterest income to average assets | 0.7254% | 2,732 |
| Noninterest expense to average assets | 2.8817% | 4,222 |
| Loan and lease loss provision to assets | 0.7619% | 1,686 |
| Net operating income to assets | -0.2103% | 6,570 |
| Return on assets (ROA) | 0.0244% | 6,350 |
| Pretax return on assets | 0.0244% | 6,332 |
| Return on Equity (ROE) | 0.3005% | 6,336 |
| Retained earnings to average equity (ytd only) | 0.3005% | 5,538 |
| Net charge-offs to loans | 1.5971% | 910 |
| Credit loss provision to net charge-offs | 62.9723% | 4,469 |
| Earnings coverage of net charge-offs (x) | 0.4559% | 4,625 |
| Efficiency ratio | 83.9325% | 2,315 |
| Assets per employee ($millions) | 5.1989% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9330% | 6,587 |
| Loan loss allowance to noncurrent loans | 42.6327% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 4.1992% | 1,196 |
| Noncurrent loans to loans | 2.1886% | 2,994 |
| Net loans and leases to total assets | 79.6498% | 1,450 |
| Net loans and leases to deposits | 93.4634% | 2,365 |
| Net loans and leases to core deposits | 152.6762% | 628 |
| Total domestic deposits to total assets | 85.2204% | 3,098 |
| Equity capital to assets | 8.5559% | 5,980 |
| Core capital (leverage) ratio | 8.5031% | 5,530 |
| Tier 1 risk-based capital ratio | 10.0269% | 6,888 |
| Total risk-based capital ratio | 10.9309% | 7,188 |
| Memoranda: | ||
| Average total assets | $262,485,000 | 2,530 |
| Average earning assets | $238,672,500 | 2,547 |
| Average equity | $21,300,500 | 3,077 |
| Average total loans | $198,865,000 | 2,383 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1157% | 4,956 |
| Cost of funding earning assets | 2.5885% | 3,736 |
| Net interest margin | 3.5272% | 5,201 |
| Noninterest income to average assets | 0.3835% | 5,609 |
| Noninterest expense to average assets | 2.9878% | 4,120 |
| Loan and lease loss provision to assets | 0.4895% | 2,858 |
| Net operating income to assets | 0.2241% | 5,775 |
| Return on assets (ROA) | 0.2241% | 5,599 |
| Pretax return on assets | 0.2241% | 5,674 |
| Return on Equity (ROE) | 2.3342% | 5,489 |
| Retained earnings to average equity (ytd only) | 2.3342% | 3,750 |
| Net charge-offs to loans | 0.2657% | 3,629 |
| Credit loss provision to net charge-offs | 218.8764% | 2,196 |
| Earnings coverage of net charge-offs (x) | 3.1910% | 4,491 |
| Efficiency ratio | 80.7196% | 2,496 |
| Assets per employee ($millions) | 5.6209% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0995% | 5,304 |
| Loan loss allowance to noncurrent loans | 57.8484% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 2.0009% | 2,464 |
| Noncurrent loans to loans | 1.9006% | 2,898 |
| Net loans and leases to total assets | 70.7738% | 3,839 |
| Net loans and leases to deposits | 92.7906% | 2,998 |
| Net loans and leases to core deposits | 124.0229% | 2,321 |
| Total domestic deposits to total assets | 76.2726% | 6,176 |
| Equity capital to assets | 7.7154% | 7,186 |
| Core capital (leverage) ratio | 9.3904% | 4,170 |
| Tier 1 risk-based capital ratio | 10.1747% | 6,547 |
| Total risk-based capital ratio | 11.2391% | 6,629 |
| Memoranda: | ||
| Average total assets | $198,977,800 | 3,153 |
| Average earning assets | $187,174,800 | 3,080 |
| Average equity | $19,106,800 | 3,378 |
| Average total loans | $167,462,600 | 2,656 |