Home > Spirit of Texas Bank, SSB > Performance and Condition Ratios
Spirit of Texas Bank, SSB, Performance and Condition Ratios
| 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 | 4.1541% | 571 |
| Cost of funding earning assets | 0.2192% | 2,544 |
| Net interest margin | 3.9349% | 463 |
| Noninterest income to average assets | 0.9844% | 697 |
| Noninterest expense to average assets | 2.4458% | 2,030 |
| Loan and lease loss provision to assets | 0.1854% | 409 |
| Net operating income to assets | 1.5759% | 546 |
| Return on assets (ROA) | 1.4240% | 748 |
| Pretax return on assets | 1.7088% | 671 |
| Return on Equity (ROE) | 11.9325% | 1,332 |
| Retained earnings to average equity (ytd only) | -31.0753% | 4,750 |
| Net charge-offs to loans | 0.1527% | 385 |
| Credit loss provision to net charge-offs | 167.3719% | 829 |
| Earnings coverage of net charge-offs (x) | 18.7517% | 1,300 |
| Efficiency ratio | 52.3960% | 4,174 |
| Assets per employee ($millions) | 9.2301% | 847 |
| Cash dividends to net income (ytd only)* | 360.4262% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 4,362 |
| Loan loss allowance to noncurrent loans | 386.5393% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.1365% | 2,839 |
| Noncurrent loans to loans | 0.1849% | 2,893 |
| Net loans and leases to total assets | 73.2930% | 716 |
| Net loans and leases to deposits | 84.1556% | 871 |
| Net loans and leases to core deposits | 89.7380% | 936 |
| Total domestic deposits to total assets | 87.0923% | 2,896 |
| Equity capital to assets | 11.1947% | 1,240 |
| Core capital (leverage) ratio | 9.5308% | 2,761 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1392% | 2,858 |
| Memoranda: | ||
| Average total assets | $3,242,462,500 | 363 |
| Average earning assets | $2,915,927,500 | 369 |
| Average equity | $386,943,500 | 329 |
| Average total loans | $2,352,119,000 | 322 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3686% | 756 |
| Cost of funding earning assets | 0.3144% | 2,259 |
| Net interest margin | 4.0543% | 638 |
| Noninterest income to average assets | 0.4812% | 2,673 |
| Noninterest expense to average assets | 2.1821% | 3,139 |
| Loan and lease loss provision to assets | 0.1178% | 1,067 |
| Net operating income to assets | 1.4990% | 1,018 |
| Return on assets (ROA) | 1.4821% | 1,109 |
| Pretax return on assets | 1.8579% | 801 |
| Return on Equity (ROE) | 11.9157% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.0758% | 902 |
| Net charge-offs to loans | 0.1430% | 656 |
| Credit loss provision to net charge-offs | 111.0413% | 1,703 |
| Earnings coverage of net charge-offs (x) | 18.8217% | 1,899 |
| Efficiency ratio | 49.8872% | 4,291 |
| Assets per employee ($millions) | 8.5884% | 1,052 |
| Cash dividends to net income (ytd only)* | 15.4411% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7048% | 4,407 |
| Loan loss allowance to noncurrent loans | 318.1642% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 2,795 |
| Noncurrent loans to loans | 0.2215% | 2,859 |
| Net loans and leases to total assets | 70.7757% | 949 |
| Net loans and leases to deposits | 82.7734% | 999 |
| Net loans and leases to core deposits | 88.8418% | 1,025 |
| Total domestic deposits to total assets | 85.5053% | 3,092 |
| Equity capital to assets | 12.6630% | 1,008 |
| Core capital (leverage) ratio | 10.6514% | 1,797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4616% | 2,468 |
| Memoranda: | ||
| Average total assets | $3,150,085,000 | 360 |
| Average earning assets | $2,873,064,400 | 362 |
| Average equity | $391,812,000 | 324 |
| Average total loans | $2,337,003,000 | 318 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4243% | 780 |
| Cost of funding earning assets | 0.3391% | 2,210 |
| Net interest margin | 4.0853% | 674 |
| Noninterest income to average assets | 0.4188% | 2,988 |
| Noninterest expense to average assets | 2.1135% | 3,321 |
| Loan and lease loss provision to assets | 0.1171% | 1,020 |
| Net operating income to assets | 1.5330% | 1,187 |
| Return on assets (ROA) | 1.5273% | 1,249 |
| Pretax return on assets | 1.9151% | 920 |
| Return on Equity (ROE) | 12.3377% | 1,925 |
| Retained earnings to average equity (ytd only) | 10.5657% | 1,159 |
| Net charge-offs to loans | 0.1425% | 577 |
| Credit loss provision to net charge-offs | 109.6400% | 1,521 |
| Earnings coverage of net charge-offs (x) | 19.0984% | 1,767 |
| Efficiency ratio | 48.4943% | 4,331 |
| Assets per employee ($millions) | 8.2510% | 1,155 |
| Cash dividends to net income (ytd only)* | 14.3624% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7201% | 4,471 |
| Loan loss allowance to noncurrent loans | 259.4991% | 2,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 2,800 |
| Noncurrent loans to loans | 0.2775% | 2,807 |
| Net loans and leases to total assets | 71.1545% | 967 |
| Net loans and leases to deposits | 83.5778% | 991 |
| Net loans and leases to core deposits | 90.0363% | 1,030 |
| Total domestic deposits to total assets | 85.1357% | 3,069 |
| Equity capital to assets | 12.8909% | 1,019 |
| Core capital (leverage) ratio | 10.9393% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1156% | 2,319 |
| Memoranda: | ||
| Average total assets | $3,121,705,250 | 366 |
| Average earning assets | $2,853,263,000 | 367 |
| Average equity | $386,447,250 | 326 |
| Average total loans | $2,339,695,250 | 319 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4781% | 751 |
| Cost of funding earning assets | 0.3639% | 2,191 |
| Net interest margin | 4.1142% | 673 |
| Noninterest income to average assets | 0.4531% | 2,829 |
| Noninterest expense to average assets | 2.1025% | 3,377 |
| Loan and lease loss provision to assets | 0.1565% | 750 |
| Net operating income to assets | 1.5701% | 1,117 |
| Return on assets (ROA) | 1.5641% | 1,197 |
| Pretax return on assets | 1.9613% | 899 |
| Return on Equity (ROE) | 12.8132% | 1,781 |
| Retained earnings to average equity (ytd only) | 11.1977% | 1,079 |
| Net charge-offs to loans | 0.1634% | 514 |
| Credit loss provision to net charge-offs | 125.9049% | 1,234 |
| Earnings coverage of net charge-offs (x) | 17.0977% | 1,585 |
| Efficiency ratio | 47.3304% | 4,438 |
| Assets per employee ($millions) | 8.1116% | 1,159 |
| Cash dividends to net income (ytd only)* | 12.6079% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7263% | 4,490 |
| Loan loss allowance to noncurrent loans | 219.7155% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 2,687 |
| Noncurrent loans to loans | 0.3306% | 2,724 |
| Net loans and leases to total assets | 73.2837% | 828 |
| Net loans and leases to deposits | 87.3769% | 819 |
| Net loans and leases to core deposits | 94.1619% | 896 |
| Total domestic deposits to total assets | 83.8708% | 3,477 |
| Equity capital to assets | 12.8618% | 993 |
| Core capital (leverage) ratio | 10.5083% | 1,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1200% | 2,318 |
| Memoranda: | ||
| Average total assets | $3,111,640,333 | 359 |
| Average earning assets | $2,854,903,667 | 361 |
| Average equity | $379,826,667 | 331 |
| Average total loans | $2,366,597,667 | 318 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3248% | 1,008 |
| Cost of funding earning assets | 0.3796% | 2,269 |
| Net interest margin | 3.9452% | 919 |
| Noninterest income to average assets | 0.4133% | 3,021 |
| Noninterest expense to average assets | 2.0996% | 3,428 |
| Loan and lease loss provision to assets | 0.1390% | 970 |
| Net operating income to assets | 1.4362% | 1,480 |
| Return on assets (ROA) | 1.4105% | 1,612 |
| Pretax return on assets | 1.7803% | 1,328 |
| Return on Equity (ROE) | 11.8693% | 2,061 |
| Retained earnings to average equity (ytd only) | 10.2295% | 1,592 |
| Net charge-offs to loans | 0.1325% | 563 |
| Credit loss provision to net charge-offs | 135.9199% | 1,011 |
| Earnings coverage of net charge-offs (x) | 19.0914% | 1,269 |
| Efficiency ratio | 49.2263% | 4,250 |
| Assets per employee ($millions) | 8.4002% | 1,035 |
| Cash dividends to net income (ytd only)* | 13.8153% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6707% | 4,609 |
| Loan loss allowance to noncurrent loans | 164.9778% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.3122% | 2,578 |
| Noncurrent loans to loans | 0.4066% | 2,647 |
| Net loans and leases to total assets | 76.2838% | 605 |
| Net loans and leases to deposits | 92.2359% | 584 |
| Net loans and leases to core deposits | 100.0004% | 714 |
| Total domestic deposits to total assets | 82.7051% | 3,760 |
| Equity capital to assets | 11.8145% | 1,381 |
| Core capital (leverage) ratio | 10.0099% | 2,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5756% | 2,456 |
| Memoranda: | ||
| Average total assets | $3,126,262,000 | 359 |
| Average earning assets | $2,882,930,500 | 354 |
| Average equity | $371,514,500 | 333 |
| Average total loans | $2,412,185,500 | 314 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8638% | 647 |
| Cost of funding earning assets | 0.6441% | 2,037 |
| Net interest margin | 4.2197% | 608 |
| Noninterest income to average assets | 0.6386% | 2,072 |
| Noninterest expense to average assets | 2.5860% | 2,599 |
| Loan and lease loss provision to assets | 0.4049% | 765 |
| Net operating income to assets | 1.2197% | 1,482 |
| Return on assets (ROA) | 1.2497% | 1,492 |
| Pretax return on assets | 1.5415% | 1,218 |
| Return on Equity (ROE) | 9.9055% | 2,038 |
| Retained earnings to average equity (ytd only) | 9.1164% | 742 |
| Net charge-offs to loans | 0.0887% | 1,570 |
| Credit loss provision to net charge-offs | 572.9633% | 1,141 |
| Earnings coverage of net charge-offs (x) | 27.0178% | 1,695 |
| Efficiency ratio | 54.5949% | 4,148 |
| Assets per employee ($millions) | 7.9939% | 1,041 |
| Cash dividends to net income (ytd only)* | 7.9665% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6699% | 4,633 |
| Loan loss allowance to noncurrent loans | 186.3922% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 2,884 |
| Noncurrent loans to loans | 0.3594% | 2,910 |
| Net loans and leases to total assets | 77.0087% | 694 |
| Net loans and leases to deposits | 95.6807% | 569 |
| Net loans and leases to core deposits | 103.1873% | 761 |
| Total domestic deposits to total assets | 80.4851% | 3,960 |
| Equity capital to assets | 11.9547% | 1,596 |
| Core capital (leverage) ratio | 10.2997% | 2,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9965% | 2,627 |
| Memoranda: | ||
| Average total assets | $2,779,199,600 | 365 |
| Average earning assets | $2,540,090,000 | 363 |
| Average equity | $350,644,200 | 330 |
| Average total loans | $2,215,325,600 | 325 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8610% | 795 |
| Cost of funding earning assets | 0.7125% | 1,948 |
| Net interest margin | 4.1485% | 810 |
| Noninterest income to average assets | 0.5094% | 2,573 |
| Noninterest expense to average assets | 2.6789% | 2,313 |
| Loan and lease loss provision to assets | 0.3375% | 1,144 |
| Net operating income to assets | 1.0465% | 2,163 |
| Return on assets (ROA) | 1.0465% | 2,288 |
| Pretax return on assets | 1.2756% | 2,137 |
| Return on Equity (ROE) | 8.1723% | 2,736 |
| Retained earnings to average equity (ytd only) | 7.7054% | 1,415 |
| Net charge-offs to loans | 0.0841% | 1,465 |
| Credit loss provision to net charge-offs | 499.2701% | 1,290 |
| Earnings coverage of net charge-offs (x) | 23.8657% | 1,777 |
| Efficiency ratio | 59.2175% | 3,491 |
| Assets per employee ($millions) | 6.7651% | 1,646 |
| Cash dividends to net income (ytd only)* | 5.7135% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4969% | 4,815 |
| Loan loss allowance to noncurrent loans | 139.8282% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.3080% | 2,927 |
| Noncurrent loans to loans | 0.3554% | 3,017 |
| Net loans and leases to total assets | 83.6424% | 310 |
| Net loans and leases to deposits | 105.5723% | 336 |
| Net loans and leases to core deposits | 115.3423% | 518 |
| Total domestic deposits to total assets | 79.2276% | 4,022 |
| Equity capital to assets | 12.1700% | 1,591 |
| Core capital (leverage) ratio | 9.8695% | 2,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1722% | 2,548 |
| Memoranda: | ||
| Average total assets | $2,702,589,000 | 363 |
| Average earning assets | $2,464,204,250 | 363 |
| Average equity | $346,085,500 | 327 |
| Average total loans | $2,171,097,000 | 326 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9664% | 881 |
| Cost of funding earning assets | 0.7818% | 1,920 |
| Net interest margin | 4.1847% | 959 |
| Noninterest income to average assets | 0.4013% | 3,066 |
| Noninterest expense to average assets | 2.6890% | 2,418 |
| Loan and lease loss provision to assets | 0.3050% | 1,410 |
| Net operating income to assets | 1.0106% | 2,285 |
| Return on assets (ROA) | 1.0106% | 2,411 |
| Pretax return on assets | 1.2123% | 2,324 |
| Return on Equity (ROE) | 7.7494% | 2,845 |
| Retained earnings to average equity (ytd only) | 7.7494% | 1,385 |
| Net charge-offs to loans | 0.0809% | 1,436 |
| Credit loss provision to net charge-offs | 477.2619% | 1,270 |
| Earnings coverage of net charge-offs (x) | 23.7464% | 1,591 |
| Efficiency ratio | 60.5548% | 3,333 |
| Assets per employee ($millions) | 6.7735% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4068% | 4,905 |
| Loan loss allowance to noncurrent loans | 131.2922% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.3783% | 2,783 |
| Noncurrent loans to loans | 0.3099% | 3,273 |
| Net loans and leases to total assets | 81.9289% | 424 |
| Net loans and leases to deposits | 100.2749% | 530 |
| Net loans and leases to core deposits | 109.5108% | 757 |
| Total domestic deposits to total assets | 81.7042% | 3,447 |
| Equity capital to assets | 11.8401% | 1,763 |
| Core capital (leverage) ratio | 9.6000% | 3,243 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1128% | 2,561 |
| Memoranda: | ||
| Average total assets | $2,629,278,333 | 366 |
| Average earning assets | $2,390,685,333 | 366 |
| Average equity | $342,890,000 | 328 |
| Average total loans | $2,075,905,000 | 332 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1706% | 697 |
| Cost of funding earning assets | 0.8956% | 1,893 |
| Net interest margin | 4.2749% | 800 |
| Noninterest income to average assets | 0.4403% | 2,846 |
| Noninterest expense to average assets | 3.2224% | 1,380 |
| Loan and lease loss provision to assets | 0.1901% | 1,578 |
| Net operating income to assets | 0.8093% | 2,874 |
| Return on assets (ROA) | 0.8093% | 2,962 |
| Pretax return on assets | 0.8952% | 3,149 |
| Return on Equity (ROE) | 5.8803% | 3,360 |
| Retained earnings to average equity (ytd only) | 5.8803% | 1,924 |
| Net charge-offs to loans | 0.0593% | 1,416 |
| Credit loss provision to net charge-offs | 416.7260% | 975 |
| Earnings coverage of net charge-offs (x) | 23.7900% | 1,320 |
| Efficiency ratio | 71.2407% | 2,186 |
| Assets per employee ($millions) | 5.6766% | 1,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3774% | 4,960 |
| Loan loss allowance to noncurrent loans | 98.7825% | 3,251 |
| Noncurrent assets plus other real estate owned to assets | 0.4472% | 2,682 |
| Noncurrent loans to loans | 0.3820% | 3,119 |
| Net loans and leases to total assets | 79.1746% | 794 |
| Net loans and leases to deposits | 96.3474% | 875 |
| Net loans and leases to core deposits | 106.3974% | 1,036 |
| Total domestic deposits to total assets | 82.1762% | 3,363 |
| Equity capital to assets | 13.4333% | 1,248 |
| Core capital (leverage) ratio | 10.7858% | 2,657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3929% | 2,976 |
| Memoranda: | ||
| Average total assets | $2,463,912,000 | 375 |
| Average earning assets | $2,228,997,000 | 373 |
| Average equity | $339,101,000 | 328 |
| Average total loans | $1,896,353,000 | 351 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7209% | 380 |
| Cost of funding earning assets | 1.0189% | 1,640 |
| Net interest margin | 4.7020% | 469 |
| Noninterest income to average assets | 0.5452% | 2,511 |
| Noninterest expense to average assets | 3.2276% | 1,453 |
| Loan and lease loss provision to assets | 0.1555% | 1,357 |
| Net operating income to assets | 1.1443% | 2,276 |
| Return on assets (ROA) | 1.3439% | 1,608 |
| Pretax return on assets | 1.6737% | 1,261 |
| Return on Equity (ROE) | 10.1051% | 2,256 |
| Retained earnings to average equity (ytd only) | 10.1051% | 469 |
| Net charge-offs to loans | 0.1742% | 1,157 |
| Credit loss provision to net charge-offs | 118.9009% | 2,131 |
| Earnings coverage of net charge-offs (x) | 12.0812% | 2,437 |
| Efficiency ratio | 63.0267% | 3,217 |
| Assets per employee ($millions) | 5.7325% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3803% | 4,996 |
| Loan loss allowance to noncurrent loans | 104.2395% | 3,222 |
| Noncurrent assets plus other real estate owned to assets | 0.4242% | 2,699 |
| Noncurrent loans to loans | 0.3648% | 3,144 |
| Net loans and leases to total assets | 74.0065% | 1,751 |
| Net loans and leases to deposits | 91.2424% | 1,461 |
| Net loans and leases to core deposits | 101.3657% | 1,457 |
| Total domestic deposits to total assets | 81.1097% | 3,745 |
| Equity capital to assets | 14.1139% | 1,051 |
| Core capital (leverage) ratio | 11.2890% | 2,258 |
| Tier 1 risk-based capital ratio | 13.9783% | 3,285 |
| Total risk-based capital ratio | 14.3562% | 3,624 |
| Memoranda: | ||
| Average total assets | $1,836,934,800 | 461 |
| Average earning assets | $1,665,071,400 | 464 |
| Average equity | $244,291,600 | 400 |
| Average total loans | $1,378,639,200 | 435 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8938% | 297 |
| Cost of funding earning assets | 1.0472% | 1,552 |
| Net interest margin | 4.8466% | 381 |
| Noninterest income to average assets | 0.5809% | 2,307 |
| Noninterest expense to average assets | 3.2775% | 1,316 |
| Loan and lease loss provision to assets | 0.1633% | 1,142 |
| Net operating income to assets | 1.2383% | 2,061 |
| Return on assets (ROA) | 1.3722% | 1,633 |
| Pretax return on assets | 1.7049% | 1,327 |
| Return on Equity (ROE) | 10.5449% | 2,196 |
| Retained earnings to average equity (ytd only) | 10.5449% | 617 |
| Net charge-offs to loans | 0.1876% | 914 |
| Credit loss provision to net charge-offs | 115.5383% | 2,016 |
| Earnings coverage of net charge-offs (x) | 12.0344% | 2,394 |
| Efficiency ratio | 61.7015% | 3,372 |
| Assets per employee ($millions) | 5.7803% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4405% | 5,028 |
| Loan loss allowance to noncurrent loans | 71.8114% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 0.5196% | 2,448 |
| Noncurrent loans to loans | 0.6134% | 2,441 |
| Net loans and leases to total assets | 75.7252% | 1,528 |
| Net loans and leases to deposits | 92.1448% | 1,420 |
| Net loans and leases to core deposits | 102.7495% | 1,437 |
| Total domestic deposits to total assets | 82.1807% | 3,420 |
| Equity capital to assets | 13.7517% | 1,251 |
| Core capital (leverage) ratio | 11.2676% | 2,410 |
| Tier 1 risk-based capital ratio | 13.3808% | 3,644 |
| Total risk-based capital ratio | 13.8065% | 3,986 |
| Memoranda: | ||
| Average total assets | $1,699,992,250 | 500 |
| Average earning assets | $1,542,429,500 | 499 |
| Average equity | $221,220,500 | 439 |
| Average total loans | $1,280,405,500 | 473 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8944% | 289 |
| Cost of funding earning assets | 1.0504% | 1,495 |
| Net interest margin | 4.8440% | 377 |
| Noninterest income to average assets | 0.5883% | 2,207 |
| Noninterest expense to average assets | 3.3337% | 1,224 |
| Loan and lease loss provision to assets | 0.1465% | 1,260 |
| Net operating income to assets | 1.2127% | 2,102 |
| Return on assets (ROA) | 1.4270% | 1,405 |
| Pretax return on assets | 1.7714% | 1,110 |
| Return on Equity (ROE) | 11.2237% | 1,900 |
| Retained earnings to average equity (ytd only) | 11.2237% | 519 |
| Net charge-offs to loans | 0.1984% | 832 |
| Credit loss provision to net charge-offs | 98.4180% | 2,025 |
| Earnings coverage of net charge-offs (x) | 11.1066% | 2,224 |
| Efficiency ratio | 62.8439% | 3,312 |
| Assets per employee ($millions) | 5.6184% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4445% | 5,072 |
| Loan loss allowance to noncurrent loans | 109.9877% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.3702% | 3,033 |
| Noncurrent loans to loans | 0.4042% | 3,087 |
| Net loans and leases to total assets | 74.0249% | 1,885 |
| Net loans and leases to deposits | 89.3926% | 1,815 |
| Net loans and leases to core deposits | 99.9626% | 1,727 |
| Total domestic deposits to total assets | 82.8088% | 3,270 |
| Equity capital to assets | 13.8480% | 1,186 |
| Core capital (leverage) ratio | 11.1455% | 2,462 |
| Tier 1 risk-based capital ratio | 13.6672% | 3,502 |
| Total risk-based capital ratio | 14.0990% | 3,824 |
| Memoranda: | ||
| Average total assets | $1,613,483,330 | 523 |
| Average earning assets | $1,465,189,330 | 524 |
| Average equity | $205,138,000 | 464 |
| Average total loans | $1,210,402,330 | 493 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6348% | 403 |
| Cost of funding earning assets | 1.0203% | 1,478 |
| Net interest margin | 4.6146% | 596 |
| Noninterest income to average assets | 0.5475% | 2,299 |
| Noninterest expense to average assets | 3.2866% | 1,316 |
| Loan and lease loss provision to assets | 0.2309% | 657 |
| Net operating income to assets | 0.9963% | 2,860 |
| Return on assets (ROA) | 1.2315% | 1,991 |
| Pretax return on assets | 1.5299% | 1,679 |
| Return on Equity (ROE) | 10.2781% | 2,254 |
| Retained earnings to average equity (ytd only) | 10.2781% | 972 |
| Net charge-offs to loans | 0.2040% | 683 |
| Credit loss provision to net charge-offs | 150.0000% | 1,232 |
| Earnings coverage of net charge-offs (x) | 9.5283% | 2,020 |
| Efficiency ratio | 65.6921% | 2,978 |
| Assets per employee ($millions) | 5.2324% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5853% | 4,962 |
| Loan loss allowance to noncurrent loans | 113.3955% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.4277% | 2,874 |
| Noncurrent loans to loans | 0.5162% | 2,762 |
| Net loans and leases to total assets | 75.6150% | 1,544 |
| Net loans and leases to deposits | 90.9005% | 1,520 |
| Net loans and leases to core deposits | 103.1141% | 1,375 |
| Total domestic deposits to total assets | 83.1844% | 3,317 |
| Equity capital to assets | 12.1012% | 1,964 |
| Core capital (leverage) ratio | 10.2732% | 3,305 |
| Tier 1 risk-based capital ratio | 12.6846% | 4,052 |
| Total risk-based capital ratio | 13.2547% | 4,346 |
| Memoranda: | ||
| Average total assets | $1,470,713,500 | 564 |
| Average earning assets | $1,340,449,500 | 562 |
| Average equity | $176,219,000 | 521 |
| Average total loans | $1,109,590,000 | 527 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4804% | 421 |
| Cost of funding earning assets | 0.9706% | 838 |
| Net interest margin | 4.5098% | 745 |
| Noninterest income to average assets | 0.9169% | 1,138 |
| Noninterest expense to average assets | 3.5200% | 973 |
| Loan and lease loss provision to assets | 0.1893% | 1,013 |
| Net operating income to assets | 1.0968% | 2,613 |
| Return on assets (ROA) | 1.0968% | 2,611 |
| Pretax return on assets | 1.3418% | 2,355 |
| Return on Equity (ROE) | 10.3970% | 2,346 |
| Retained earnings to average equity (ytd only) | 10.3970% | 547 |
| Net charge-offs to loans | 0.1609% | 1,200 |
| Credit loss provision to net charge-offs | 141.5465% | 1,915 |
| Earnings coverage of net charge-offs (x) | 11.4509% | 2,625 |
| Efficiency ratio | 68.0972% | 2,527 |
| Assets per employee ($millions) | 5.0723% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5731% | 5,017 |
| Loan loss allowance to noncurrent loans | 118.5814% | 3,131 |
| Noncurrent assets plus other real estate owned to assets | 0.4143% | 2,896 |
| Noncurrent loans to loans | 0.4833% | 2,828 |
| Net loans and leases to total assets | 74.3983% | 1,865 |
| Net loans and leases to deposits | 90.1648% | 1,778 |
| Net loans and leases to core deposits | 100.3414% | 1,693 |
| Total domestic deposits to total assets | 82.5137% | 3,479 |
| Equity capital to assets | 11.8617% | 1,992 |
| Core capital (leverage) ratio | 11.0408% | 2,488 |
| Tier 1 risk-based capital ratio | 12.3844% | 4,192 |
| Total risk-based capital ratio | 12.9441% | 4,505 |
| Memoranda: | ||
| Average total assets | $1,141,272,000 | 677 |
| Average earning assets | $1,046,235,400 | 670 |
| Average equity | $120,391,000 | 716 |
| Average total loans | $948,251,800 | 588 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5317% | 339 |
| Cost of funding earning assets | 0.9720% | 675 |
| Net interest margin | 4.5597% | 648 |
| Noninterest income to average assets | 0.9353% | 1,091 |
| Noninterest expense to average assets | 3.5795% | 883 |
| Loan and lease loss provision to assets | 0.1836% | 992 |
| Net operating income to assets | 1.1002% | 2,666 |
| Return on assets (ROA) | 1.1002% | 2,684 |
| Pretax return on assets | 1.3622% | 2,369 |
| Return on Equity (ROE) | 10.8988% | 2,216 |
| Retained earnings to average equity (ytd only) | 10.8988% | 669 |
| Net charge-offs to loans | 0.1399% | 1,165 |
| Credit loss provision to net charge-offs | 152.7197% | 1,677 |
| Earnings coverage of net charge-offs (x) | 12.8567% | 2,417 |
| Efficiency ratio | 68.5463% | 2,432 |
| Assets per employee ($millions) | 5.1707% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6415% | 4,982 |
| Loan loss allowance to noncurrent loans | 164.4231% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.3643% | 3,213 |
| Noncurrent loans to loans | 0.3902% | 3,258 |
| Net loans and leases to total assets | 86.5678% | 217 |
| Net loans and leases to deposits | 104.6862% | 510 |
| Net loans and leases to core deposits | 115.1217% | 755 |
| Total domestic deposits to total assets | 82.6927% | 3,407 |
| Equity capital to assets | 10.0870% | 3,553 |
| Core capital (leverage) ratio | 9.3615% | 4,319 |
| Tier 1 risk-based capital ratio | 10.5343% | 5,230 |
| Total risk-based capital ratio | 11.1836% | 5,349 |
| Memoranda: | ||
| Average total assets | $1,060,117,000 | 722 |
| Average earning assets | $974,168,750 | 724 |
| Average equity | $107,018,750 | 796 |
| Average total loans | $911,093,500 | 602 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4388% | 358 |
| Cost of funding earning assets | 0.9392% | 612 |
| Net interest margin | 4.4996% | 702 |
| Noninterest income to average assets | 0.9295% | 1,109 |
| Noninterest expense to average assets | 3.5991% | 867 |
| Loan and lease loss provision to assets | 0.1862% | 961 |
| Net operating income to assets | 1.0342% | 2,876 |
| Return on assets (ROA) | 1.0342% | 2,874 |
| Pretax return on assets | 1.2777% | 2,600 |
| Return on Equity (ROE) | 10.2423% | 2,454 |
| Retained earnings to average equity (ytd only) | 10.2423% | 857 |
| Net charge-offs to loans | 0.1365% | 1,097 |
| Credit loss provision to net charge-offs | 159.4108% | 1,517 |
| Earnings coverage of net charge-offs (x) | 12.5352% | 2,199 |
| Efficiency ratio | 69.7610% | 2,357 |
| Assets per employee ($millions) | 5.0726% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6501% | 5,029 |
| Loan loss allowance to noncurrent loans | 148.9230% | 2,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 3,132 |
| Noncurrent loans to loans | 0.4365% | 3,132 |
| Net loans and leases to total assets | 85.4786% | 308 |
| Net loans and leases to deposits | 104.0411% | 526 |
| Net loans and leases to core deposits | 114.1250% | 788 |
| Total domestic deposits to total assets | 82.1585% | 3,663 |
| Equity capital to assets | 10.0260% | 3,598 |
| Core capital (leverage) ratio | 9.3019% | 4,362 |
| Tier 1 risk-based capital ratio | 10.5724% | 5,240 |
| Total risk-based capital ratio | 11.2318% | 5,377 |
| Memoranda: | ||
| Average total assets | $1,046,371,330 | 732 |
| Average earning assets | $961,233,670 | 733 |
| Average equity | $105,660,330 | 803 |
| Average total loans | $894,933,330 | 612 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3445% | 370 |
| Cost of funding earning assets | 0.9119% | 560 |
| Net interest margin | 4.4326% | 713 |
| Noninterest income to average assets | 1.0017% | 906 |
| Noninterest expense to average assets | 3.8051% | 674 |
| Loan and lease loss provision to assets | 0.1314% | 1,440 |
| Net operating income to assets | 0.9210% | 3,199 |
| Return on assets (ROA) | 0.9210% | 3,215 |
| Pretax return on assets | 1.1331% | 3,036 |
| Return on Equity (ROE) | 9.0876% | 2,871 |
| Retained earnings to average equity (ytd only) | 9.0876% | 1,430 |
| Net charge-offs to loans | 0.1200% | 1,068 |
| Credit loss provision to net charge-offs | 128.4091% | 1,347 |
| Earnings coverage of net charge-offs (x) | 12.3561% | 1,805 |
| Efficiency ratio | 73.7116% | 1,933 |
| Assets per employee ($millions) | 4.8899% | 2,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6459% | 5,108 |
| Loan loss allowance to noncurrent loans | 148.1376% | 2,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3988% | 3,239 |
| Noncurrent loans to loans | 0.4360% | 3,220 |
| Net loans and leases to total assets | 84.9754% | 343 |
| Net loans and leases to deposits | 104.3452% | 461 |
| Net loans and leases to core deposits | 115.0749% | 757 |
| Total domestic deposits to total assets | 81.4368% | 4,109 |
| Equity capital to assets | 10.1576% | 3,440 |
| Core capital (leverage) ratio | 9.3636% | 4,236 |
| Tier 1 risk-based capital ratio | 10.7616% | 5,262 |
| Total risk-based capital ratio | 11.4148% | 5,390 |
| Memoranda: | ||
| Average total assets | $1,031,866,500 | 745 |
| Average earning assets | $946,987,000 | 745 |
| Average equity | $104,581,500 | 817 |
| Average total loans | $879,782,000 | 627 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1054% | 525 |
| Cost of funding earning assets | 0.8528% | 476 |
| Net interest margin | 4.2525% | 1,075 |
| Noninterest income to average assets | 0.8421% | 1,431 |
| Noninterest expense to average assets | 3.3110% | 1,357 |
| Loan and lease loss provision to assets | 0.2455% | 773 |
| Net operating income to assets | 0.8325% | 3,023 |
| Return on assets (ROA) | 0.8325% | 3,057 |
| Pretax return on assets | 1.2348% | 2,615 |
| Return on Equity (ROE) | 8.3936% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.3936% | 648 |
| Net charge-offs to loans | 0.1422% | 1,652 |
| Credit loss provision to net charge-offs | 209.7458% | 1,303 |
| Earnings coverage of net charge-offs (x) | 12.6449% | 2,453 |
| Efficiency ratio | 67.6488% | 2,969 |
| Assets per employee ($millions) | 5.0845% | 2,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6475% | 5,160 |
| Loan loss allowance to noncurrent loans | 155.4455% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 0.3540% | 3,449 |
| Noncurrent loans to loans | 0.4165% | 3,278 |
| Net loans and leases to total assets | 84.4418% | 404 |
| Net loans and leases to deposits | 103.6033% | 511 |
| Net loans and leases to core deposits | 113.3255% | 827 |
| Total domestic deposits to total assets | 81.5050% | 3,996 |
| Equity capital to assets | 10.1125% | 3,582 |
| Core capital (leverage) ratio | 9.3174% | 4,266 |
| Tier 1 risk-based capital ratio | 10.7792% | 5,260 |
| Total risk-based capital ratio | 11.4294% | 5,409 |
| Memoranda: | ||
| Average total assets | $1,007,958,600 | 732 |
| Average earning assets | $936,075,000 | 725 |
| Average equity | $99,969,400 | 828 |
| Average total loans | $829,587,200 | 628 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8274% | 877 |
| Cost of funding earning assets | 0.8412% | 471 |
| Net interest margin | 3.9862% | 1,752 |
| Noninterest income to average assets | 1.1454% | 773 |
| Noninterest expense to average assets | 3.3661% | 1,211 |
| Loan and lease loss provision to assets | 0.2396% | 739 |
| Net operating income to assets | 0.8715% | 3,171 |
| Return on assets (ROA) | 0.8715% | 3,216 |
| Pretax return on assets | 1.2517% | 2,694 |
| Return on Equity (ROE) | 8.8311% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.8311% | 902 |
| Net charge-offs to loans | 0.1133% | 1,660 |
| Credit loss provision to net charge-offs | 259.0517% | 1,103 |
| Earnings coverage of net charge-offs (x) | 16.1221% | 2,182 |
| Efficiency ratio | 67.8560% | 2,895 |
| Assets per employee ($millions) | 5.0413% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6306% | 5,270 |
| Loan loss allowance to noncurrent loans | 105.1174% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.5079% | 3,040 |
| Noncurrent loans to loans | 0.5999% | 2,907 |
| Net loans and leases to total assets | 84.1331% | 423 |
| Net loans and leases to deposits | 102.0072% | 617 |
| Net loans and leases to core deposits | 111.1414% | 966 |
| Total domestic deposits to total assets | 82.4776% | 3,634 |
| Equity capital to assets | 10.0016% | 3,909 |
| Core capital (leverage) ratio | 9.1681% | 4,553 |
| Tier 1 risk-based capital ratio | 10.6114% | 5,416 |
| Total risk-based capital ratio | 11.2445% | 5,562 |
| Memoranda: | ||
| Average total assets | $1,003,179,500 | 735 |
| Average earning assets | $934,199,500 | 727 |
| Average equity | $98,996,000 | 834 |
| Average total loans | $818,750,750 | 644 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7227% | 1,011 |
| Cost of funding earning assets | 0.8339% | 435 |
| Net interest margin | 3.8888% | 1,973 |
| Noninterest income to average assets | 1.1266% | 784 |
| Noninterest expense to average assets | 3.4081% | 1,150 |
| Loan and lease loss provision to assets | 0.2409% | 704 |
| Net operating income to assets | 0.7581% | 3,596 |
| Return on assets (ROA) | 0.7581% | 3,649 |
| Pretax return on assets | 1.1027% | 3,164 |
| Return on Equity (ROE) | 7.7179% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.7179% | 1,277 |
| Net charge-offs to loans | 0.1659% | 1,173 |
| Credit loss provision to net charge-offs | 180.1802% | 1,357 |
| Earnings coverage of net charge-offs (x) | 10.0511% | 2,375 |
| Efficiency ratio | 70.2416% | 2,634 |
| Assets per employee ($millions) | 5.3057% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5830% | 5,406 |
| Loan loss allowance to noncurrent loans | 114.8661% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 3,316 |
| Noncurrent loans to loans | 0.5075% | 3,239 |
| Net loans and leases to total assets | 82.7395% | 579 |
| Net loans and leases to deposits | 99.7211% | 759 |
| Net loans and leases to core deposits | 109.0860% | 1,047 |
| Total domestic deposits to total assets | 82.9709% | 3,578 |
| Equity capital to assets | 9.8801% | 4,047 |
| Core capital (leverage) ratio | 9.0486% | 4,669 |
| Tier 1 risk-based capital ratio | 10.6841% | 5,385 |
| Total risk-based capital ratio | 11.2755% | 5,576 |
| Memoranda: | ||
| Average total assets | $996,447,330 | 744 |
| Average earning assets | $928,869,000 | 736 |
| Average equity | $97,876,670 | 847 |
| Average total loans | $802,847,000 | 656 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7692% | 801 |
| Cost of funding earning assets | 0.8269% | 425 |
| Net interest margin | 3.9423% | 1,634 |
| Noninterest income to average assets | 0.9025% | 1,233 |
| Noninterest expense to average assets | 3.3898% | 1,218 |
| Loan and lease loss provision to assets | 0.2221% | 712 |
| Net operating income to assets | 0.6574% | 3,903 |
| Return on assets (ROA) | 0.6574% | 3,937 |
| Pretax return on assets | 0.9638% | 3,528 |
| Return on Equity (ROE) | 6.7124% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.7124% | 1,973 |
| Net charge-offs to loans | 0.1820% | 929 |
| Credit loss provision to net charge-offs | 154.0616% | 1,195 |
| Earnings coverage of net charge-offs (x) | 8.2269% | 2,077 |
| Efficiency ratio | 72.5291% | 2,482 |
| Assets per employee ($millions) | 5.0862% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5737% | 5,516 |
| Loan loss allowance to noncurrent loans | 104.1667% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 0.4629% | 3,355 |
| Noncurrent loans to loans | 0.5508% | 3,162 |
| Net loans and leases to total assets | 78.6993% | 1,027 |
| Net loans and leases to deposits | 94.0786% | 1,100 |
| Net loans and leases to core deposits | 102.7312% | 1,315 |
| Total domestic deposits to total assets | 83.6527% | 3,604 |
| Equity capital to assets | 9.7387% | 4,028 |
| Core capital (leverage) ratio | 8.8959% | 4,844 |
| Tier 1 risk-based capital ratio | 11.2224% | 5,192 |
| Total risk-based capital ratio | 11.8146% | 5,433 |
| Memoranda: | ||
| Average total assets | $990,627,000 | 756 |
| Average earning assets | $923,005,000 | 743 |
| Average equity | $97,015,000 | 847 |
| Average total loans | $784,781,500 | 671 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9781% | 615 |
| Cost of funding earning assets | 0.7873% | 537 |
| Net interest margin | 4.1908% | 1,149 |
| Noninterest income to average assets | 0.8772% | 1,490 |
| Noninterest expense to average assets | 3.5422% | 1,100 |
| Loan and lease loss provision to assets | 0.1784% | 1,348 |
| Net operating income to assets | 0.7330% | 3,629 |
| Return on assets (ROA) | 0.7371% | 3,717 |
| Pretax return on assets | 1.0482% | 3,302 |
| Return on Equity (ROE) | 7.2439% | 3,341 |
| Retained earnings to average equity (ytd only) | 7.2439% | 1,138 |
| Net charge-offs to loans | 0.0464% | 3,110 |
| Credit loss provision to net charge-offs | 481.2500% | 682 |
| Earnings coverage of net charge-offs (x) | 32.9345% | 1,349 |
| Efficiency ratio | 72.8153% | 2,455 |
| Assets per employee ($millions) | 4.9459% | 2,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5611% | 5,589 |
| Loan loss allowance to noncurrent loans | 114.4471% | 3,356 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 3,713 |
| Noncurrent loans to loans | 0.4903% | 3,400 |
| Net loans and leases to total assets | 78.8446% | 1,067 |
| Net loans and leases to deposits | 94.7929% | 1,112 |
| Net loans and leases to core deposits | 102.9070% | 1,368 |
| Total domestic deposits to total assets | 83.1756% | 3,705 |
| Equity capital to assets | 9.8492% | 3,883 |
| Core capital (leverage) ratio | 9.1924% | 4,488 |
| Tier 1 risk-based capital ratio | 11.3875% | 5,122 |
| Total risk-based capital ratio | 11.9665% | 5,388 |
| Memoranda: | ||
| Average total assets | $906,475,000 | 792 |
| Average earning assets | $840,479,600 | 780 |
| Average equity | $92,243,600 | 867 |
| Average total loans | $724,763,600 | 697 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0178% | 584 |
| Cost of funding earning assets | 0.7733% | 566 |
| Net interest margin | 4.2445% | 1,038 |
| Noninterest income to average assets | 0.8658% | 1,530 |
| Noninterest expense to average assets | 3.5797% | 1,022 |
| Loan and lease loss provision to assets | 0.1801% | 1,233 |
| Net operating income to assets | 0.7299% | 3,695 |
| Return on assets (ROA) | 0.7302% | 3,826 |
| Pretax return on assets | 1.0364% | 3,489 |
| Return on Equity (ROE) | 7.1130% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.1130% | 1,567 |
| Net charge-offs to loans | 0.0648% | 2,417 |
| Credit loss provision to net charge-offs | 346.8208% | 936 |
| Earnings coverage of net charge-offs (x) | 23.4163% | 1,717 |
| Efficiency ratio | 73.0932% | 2,423 |
| Assets per employee ($millions) | 4.8481% | 2,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5396% | 5,686 |
| Loan loss allowance to noncurrent loans | 104.3271% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 3,633 |
| Noncurrent loans to loans | 0.5172% | 3,444 |
| Net loans and leases to total assets | 77.0165% | 1,356 |
| Net loans and leases to deposits | 94.3275% | 1,231 |
| Net loans and leases to core deposits | 102.4002% | 1,452 |
| Total domestic deposits to total assets | 81.6480% | 4,057 |
| Equity capital to assets | 10.0604% | 4,079 |
| Core capital (leverage) ratio | 9.3887% | 4,342 |
| Tier 1 risk-based capital ratio | 11.8873% | 4,859 |
| Total risk-based capital ratio | 12.4382% | 5,171 |
| Memoranda: | ||
| Average total assets | $888,273,250 | 815 |
| Average earning assets | $822,465,750 | 806 |
| Average equity | $91,191,750 | 884 |
| Average total loans | $711,837,500 | 708 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 376 |
| Cost of funding earning assets | 0.7621% | 594 |
| Net interest margin | 4.5137% | 599 |
| Noninterest income to average assets | 0.8654% | 1,492 |
| Noninterest expense to average assets | 3.7579% | 815 |
| Loan and lease loss provision to assets | 0.2067% | 1,037 |
| Net operating income to assets | 0.7726% | 3,432 |
| Return on assets (ROA) | 0.7726% | 3,580 |
| Pretax return on assets | 1.0806% | 3,280 |
| Return on Equity (ROE) | 7.4715% | 3,277 |
| Retained earnings to average equity (ytd only) | 7.4715% | 1,398 |
| Net charge-offs to loans | 0.0705% | 2,178 |
| Credit loss provision to net charge-offs | 361.4458% | 837 |
| Earnings coverage of net charge-offs (x) | 22.5100% | 1,623 |
| Efficiency ratio | 73.0335% | 2,512 |
| Assets per employee ($millions) | 4.9696% | 2,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5194% | 5,779 |
| Loan loss allowance to noncurrent loans | 73.2796% | 4,283 |
| Noncurrent assets plus other real estate owned to assets | 0.5623% | 3,333 |
| Noncurrent loans to loans | 0.7089% | 2,951 |
| Net loans and leases to total assets | 78.9153% | 1,074 |
| Net loans and leases to deposits | 98.1534% | 876 |
| Net loans and leases to core deposits | 106.6440% | 1,126 |
| Total domestic deposits to total assets | 80.3999% | 4,453 |
| Equity capital to assets | 10.2948% | 3,870 |
| Core capital (leverage) ratio | 9.7514% | 3,871 |
| Tier 1 risk-based capital ratio | 11.9466% | 4,864 |
| Total risk-based capital ratio | 12.4808% | 5,212 |
| Memoranda: | ||
| Average total assets | $870,851,330 | 839 |
| Average earning assets | $806,429,330 | 823 |
| Average equity | $90,048,330 | 892 |
| Average total loans | $706,350,000 | 710 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2072% | 410 |
| Cost of funding earning assets | 0.7893% | 514 |
| Net interest margin | 4.4179% | 707 |
| Noninterest income to average assets | 0.9156% | 1,278 |
| Noninterest expense to average assets | 3.7525% | 839 |
| Loan and lease loss provision to assets | 0.2108% | 921 |
| Net operating income to assets | 0.7438% | 3,517 |
| Return on assets (ROA) | 0.7438% | 3,624 |
| Pretax return on assets | 1.0627% | 3,232 |
| Return on Equity (ROE) | 7.1761% | 3,358 |
| Retained earnings to average equity (ytd only) | 7.1761% | 1,804 |
| Net charge-offs to loans | 0.0771% | 1,717 |
| Credit loss provision to net charge-offs | 333.3333% | 796 |
| Earnings coverage of net charge-offs (x) | 20.1407% | 1,479 |
| Efficiency ratio | 73.1712% | 2,609 |
| Assets per employee ($millions) | 4.8971% | 2,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4829% | 5,875 |
| Loan loss allowance to noncurrent loans | 89.0494% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 0.4418% | 3,821 |
| Noncurrent loans to loans | 0.5423% | 3,559 |
| Net loans and leases to total assets | 81.0772% | 673 |
| Net loans and leases to deposits | 103.5338% | 435 |
| Net loans and leases to core deposits | 112.1255% | 743 |
| Total domestic deposits to total assets | 78.3099% | 5,088 |
| Equity capital to assets | 10.3666% | 3,665 |
| Core capital (leverage) ratio | 9.5969% | 4,039 |
| Tier 1 risk-based capital ratio | 11.7323% | 5,093 |
| Total risk-based capital ratio | 12.2264% | 5,426 |
| Memoranda: | ||
| Average total assets | $854,042,000 | 856 |
| Average earning assets | $794,589,000 | 840 |
| Average equity | $88,516,000 | 905 |
| Average total loans | $700,779,000 | 709 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2972% | 367 |
| Cost of funding earning assets | 0.7367% | 683 |
| Net interest margin | 4.5605% | 594 |
| Noninterest income to average assets | 0.9918% | 1,196 |
| Noninterest expense to average assets | 3.8641% | 795 |
| Loan and lease loss provision to assets | 0.1992% | 1,083 |
| Net operating income to assets | 0.8154% | 3,276 |
| Return on assets (ROA) | 0.8194% | 3,331 |
| Pretax return on assets | 1.1726% | 2,761 |
| Return on Equity (ROE) | 7.9147% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.9147% | 945 |
| Net charge-offs to loans | 0.0832% | 2,644 |
| Credit loss provision to net charge-offs | 295.3271% | 1,003 |
| Earnings coverage of net charge-offs (x) | 20.2561% | 1,889 |
| Efficiency ratio | 72.3403% | 2,848 |
| Assets per employee ($millions) | 4.8913% | 2,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4398% | 5,967 |
| Loan loss allowance to noncurrent loans | 130.6157% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 4,474 |
| Noncurrent loans to loans | 0.3367% | 4,257 |
| Net loans and leases to total assets | 82.2855% | 567 |
| Net loans and leases to deposits | 104.9027% | 399 |
| Net loans and leases to core deposits | 112.6654% | 737 |
| Total domestic deposits to total assets | 78.4398% | 5,075 |
| Equity capital to assets | 10.3621% | 3,554 |
| Core capital (leverage) ratio | 9.5975% | 4,050 |
| Tier 1 risk-based capital ratio | 11.6990% | 5,135 |
| Total risk-based capital ratio | 12.1478% | 5,489 |
| Memoranda: | ||
| Average total assets | $793,286,000 | 871 |
| Average earning assets | $737,238,200 | 864 |
| Average equity | $82,125,600 | 925 |
| Average total loans | $643,090,200 | 725 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 379 |
| Cost of funding earning assets | 0.7164% | 774 |
| Net interest margin | 4.5748% | 571 |
| Noninterest income to average assets | 0.9286% | 1,375 |
| Noninterest expense to average assets | 3.8504% | 788 |
| Loan and lease loss provision to assets | 0.0991% | 2,197 |
| Net operating income to assets | 0.8768% | 3,053 |
| Return on assets (ROA) | 0.8823% | 3,114 |
| Pretax return on assets | 1.2402% | 2,650 |
| Return on Equity (ROE) | 8.5247% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.5247% | 1,050 |
| Net charge-offs to loans | 0.0805% | 2,404 |
| Credit loss provision to net charge-offs | 152.6316% | 1,652 |
| Earnings coverage of net charge-offs (x) | 20.5028% | 1,869 |
| Efficiency ratio | 72.7225% | 2,761 |
| Assets per employee ($millions) | 4.8704% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3272% | 6,134 |
| Loan loss allowance to noncurrent loans | 84.5716% | 4,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 4,506 |
| Noncurrent loans to loans | 0.3869% | 4,228 |
| Net loans and leases to total assets | 81.1319% | 688 |
| Net loans and leases to deposits | 102.9375% | 497 |
| Net loans and leases to core deposits | 110.5153% | 851 |
| Total domestic deposits to total assets | 78.8166% | 5,017 |
| Equity capital to assets | 9.9520% | 4,220 |
| Core capital (leverage) ratio | 9.3496% | 4,512 |
| Tier 1 risk-based capital ratio | 12.0225% | 5,075 |
| Total risk-based capital ratio | 12.3718% | 5,483 |
| Memoranda: | ||
| Average total assets | $780,058,000 | 889 |
| Average earning assets | $725,258,500 | 882 |
| Average equity | $80,736,000 | 946 |
| Average total loans | $629,019,250 | 749 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3328% | 347 |
| Cost of funding earning assets | 0.6912% | 883 |
| Net interest margin | 4.6416% | 487 |
| Noninterest income to average assets | 0.9787% | 1,221 |
| Noninterest expense to average assets | 3.8765% | 790 |
| Loan and lease loss provision to assets | 0.1183% | 1,874 |
| Net operating income to assets | 0.9137% | 2,804 |
| Return on assets (ROA) | 0.9221% | 2,896 |
| Pretax return on assets | 1.3030% | 2,353 |
| Return on Equity (ROE) | 8.7856% | 2,665 |
| Retained earnings to average equity (ytd only) | 8.7856% | 994 |
| Net charge-offs to loans | 0.0808% | 2,245 |
| Credit loss provision to net charge-offs | 182.1862% | 1,330 |
| Earnings coverage of net charge-offs (x) | 21.7085% | 1,664 |
| Efficiency ratio | 71.7490% | 3,033 |
| Assets per employee ($millions) | 4.8305% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3513% | 6,186 |
| Loan loss allowance to noncurrent loans | 97.8537% | 3,760 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 4,745 |
| Noncurrent loans to loans | 0.3590% | 4,421 |
| Net loans and leases to total assets | 78.5548% | 1,001 |
| Net loans and leases to deposits | 103.0330% | 500 |
| Net loans and leases to core deposits | 110.4060% | 818 |
| Total domestic deposits to total assets | 76.2424% | 5,569 |
| Equity capital to assets | 10.1208% | 3,907 |
| Core capital (leverage) ratio | 9.6716% | 4,040 |
| Tier 1 risk-based capital ratio | 12.6182% | 4,733 |
| Total risk-based capital ratio | 12.9937% | 5,226 |
| Memoranda: | ||
| Average total assets | $760,841,000 | 914 |
| Average earning assets | $706,047,670 | 905 |
| Average equity | $79,858,330 | 964 |
| Average total loans | $611,399,000 | 772 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3458% | 325 |
| Cost of funding earning assets | 0.6615% | 1,037 |
| Net interest margin | 4.6843% | 420 |
| Noninterest income to average assets | 0.8863% | 1,431 |
| Noninterest expense to average assets | 3.8872% | 786 |
| Loan and lease loss provision to assets | 0.1084% | 1,897 |
| Net operating income to assets | 0.8693% | 2,904 |
| Return on assets (ROA) | 0.8863% | 2,938 |
| Pretax return on assets | 1.2560% | 2,445 |
| Return on Equity (ROE) | 8.2821% | 2,815 |
| Retained earnings to average equity (ytd only) | 8.2821% | 1,464 |
| Net charge-offs to loans | 0.1549% | 1,330 |
| Credit loss provision to net charge-offs | 86.2069% | 1,771 |
| Earnings coverage of net charge-offs (x) | 10.6595% | 1,917 |
| Efficiency ratio | 72.6981% | 3,054 |
| Assets per employee ($millions) | 4.7513% | 2,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3255% | 6,283 |
| Loan loss allowance to noncurrent loans | 148.9568% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.1744% | 5,254 |
| Noncurrent loans to loans | 0.2185% | 4,995 |
| Net loans and leases to total assets | 79.5194% | 738 |
| Net loans and leases to deposits | 104.5247% | 352 |
| Net loans and leases to core deposits | 111.3775% | 688 |
| Total domestic deposits to total assets | 76.0771% | 5,730 |
| Equity capital to assets | 10.3683% | 3,692 |
| Core capital (leverage) ratio | 10.2790% | 3,245 |
| Tier 1 risk-based capital ratio | 13.1380% | 4,537 |
| Total risk-based capital ratio | 13.4956% | 4,985 |
| Memoranda: | ||
| Average total assets | $737,915,500 | 942 |
| Average earning assets | $683,897,500 | 940 |
| Average equity | $78,965,500 | 973 |
| Average total loans | $599,134,000 | 783 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6539% | 246 |
| Cost of funding earning assets | 0.6601% | 1,338 |
| Net interest margin | 4.9938% | 307 |
| Noninterest income to average assets | 1.0167% | 1,178 |
| Noninterest expense to average assets | 4.5662% | 439 |
| Loan and lease loss provision to assets | 0.0689% | 3,106 |
| Net operating income to assets | 0.7213% | 3,787 |
| Return on assets (ROA) | 0.7231% | 3,888 |
| Pretax return on assets | 0.9946% | 3,519 |
| Return on Equity (ROE) | 6.3422% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.3422% | 1,736 |
| Net charge-offs to loans | 0.0784% | 3,371 |
| Credit loss provision to net charge-offs | 110.2941% | 2,163 |
| Earnings coverage of net charge-offs (x) | 16.9926% | 1,967 |
| Efficiency ratio | 79.4066% | 2,015 |
| Assets per employee ($millions) | 4.3060% | 3,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3477% | 6,354 |
| Loan loss allowance to noncurrent loans | 140.9438% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 5,105 |
| Noncurrent loans to loans | 0.2467% | 4,946 |
| Net loans and leases to total assets | 82.4398% | 479 |
| Net loans and leases to deposits | 108.6685% | 279 |
| Net loans and leases to core deposits | 114.9501% | 557 |
| Total domestic deposits to total assets | 75.8636% | 5,749 |
| Equity capital to assets | 11.1003% | 2,808 |
| Core capital (leverage) ratio | 10.1707% | 3,344 |
| Tier 1 risk-based capital ratio | 12.6973% | 4,919 |
| Total risk-based capital ratio | 13.0724% | 5,388 |
| Memoranda: | ||
| Average total assets | $653,411,400 | 1,028 |
| Average earning assets | $603,269,800 | 1,015 |
| Average equity | $74,500,400 | 982 |
| Average total loans | $520,302,400 | 855 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6637% | 241 |
| Cost of funding earning assets | 0.6628% | 1,376 |
| Net interest margin | 5.0009% | 297 |
| Noninterest income to average assets | 1.1598% | 891 |
| Noninterest expense to average assets | 4.6387% | 404 |
| Loan and lease loss provision to assets | 0.0521% | 3,334 |
| Net operating income to assets | 0.7861% | 3,482 |
| Return on assets (ROA) | 0.7883% | 3,582 |
| Pretax return on assets | 1.0838% | 3,252 |
| Return on Equity (ROE) | 6.8634% | 3,781 |
| Retained earnings to average equity (ytd only) | 6.8634% | 1,899 |
| Net charge-offs to loans | 0.0259% | 3,985 |
| Credit loss provision to net charge-offs | 255.1020% | 1,034 |
| Earnings coverage of net charge-offs (x) | 55.5116% | 918 |
| Efficiency ratio | 78.6390% | 2,095 |
| Assets per employee ($millions) | 3.9160% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3894% | 6,413 |
| Loan loss allowance to noncurrent loans | 118.0265% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 5,167 |
| Noncurrent loans to loans | 0.3299% | 4,915 |
| Net loans and leases to total assets | 82.7575% | 435 |
| Net loans and leases to deposits | 104.1058% | 397 |
| Net loans and leases to core deposits | 110.0146% | 745 |
| Total domestic deposits to total assets | 79.4937% | 5,226 |
| Equity capital to assets | 11.6750% | 2,339 |
| Core capital (leverage) ratio | 10.8359% | 2,655 |
| Tier 1 risk-based capital ratio | 13.1268% | 4,784 |
| Total risk-based capital ratio | 13.5423% | 5,226 |
| Memoranda: | ||
| Average total assets | $640,218,750 | 1,059 |
| Average earning assets | $590,412,500 | 1,047 |
| Average equity | $73,528,500 | 993 |
| Average total loans | $504,326,500 | 886 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6302% | 248 |
| Cost of funding earning assets | 0.6678% | 1,396 |
| Net interest margin | 4.9624% | 299 |
| Noninterest income to average assets | 1.2372% | 766 |
| Noninterest expense to average assets | 4.6715% | 395 |
| Loan and lease loss provision to assets | 0.0158% | 3,944 |
| Net operating income to assets | 0.7990% | 3,343 |
| Return on assets (ROA) | 0.8022% | 3,426 |
| Pretax return on assets | 1.1162% | 3,032 |
| Return on Equity (ROE) | 7.0252% | 3,611 |
| Retained earnings to average equity (ytd only) | 7.0252% | 1,761 |
| Net charge-offs to loans | -0.0736% | 6,040 |
| Credit loss provision to net charge-offs | -27.7778% | 5,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8123% | 2,193 |
| Assets per employee ($millions) | 3.6119% | 4,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4316% | 6,470 |
| Loan loss allowance to noncurrent loans | 82.2156% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 0.4370% | 4,700 |
| Noncurrent loans to loans | 0.5250% | 4,435 |
| Net loans and leases to total assets | 82.8782% | 386 |
| Net loans and leases to deposits | 100.9876% | 505 |
| Net loans and leases to core deposits | 106.7641% | 850 |
| Total domestic deposits to total assets | 82.0677% | 4,622 |
| Equity capital to assets | 11.9374% | 2,030 |
| Core capital (leverage) ratio | 10.6303% | 2,790 |
| Tier 1 risk-based capital ratio | 13.4389% | 4,626 |
| Total risk-based capital ratio | 13.9056% | 5,052 |
| Memoranda: | ||
| Average total assets | $633,024,670 | 1,067 |
| Average earning assets | $581,931,670 | 1,056 |
| Average equity | $72,283,000 | 1,004 |
| Average total loans | $489,158,330 | 910 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4676% | 302 |
| Cost of funding earning assets | 0.6649% | 1,476 |
| Net interest margin | 4.8027% | 378 |
| Noninterest income to average assets | 0.9839% | 1,166 |
| Noninterest expense to average assets | 4.4800% | 466 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6639% | 3,875 |
| Return on assets (ROA) | 0.6630% | 3,969 |
| Pretax return on assets | 0.9171% | 3,637 |
| Return on Equity (ROE) | 5.9363% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.9363% | 2,576 |
| Net charge-offs to loans | -0.1468% | 6,279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4155% | 1,999 |
| Assets per employee ($millions) | 3.7054% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4365% | 6,542 |
| Loan loss allowance to noncurrent loans | 114.9841% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 5,229 |
| Noncurrent loans to loans | 0.3796% | 4,986 |
| Net loans and leases to total assets | 80.7299% | 480 |
| Net loans and leases to deposits | 97.8040% | 554 |
| Net loans and leases to core deposits | 102.4108% | 960 |
| Total domestic deposits to total assets | 82.5425% | 4,772 |
| Equity capital to assets | 11.8084% | 2,006 |
| Core capital (leverage) ratio | 10.3984% | 3,047 |
| Tier 1 risk-based capital ratio | 13.6640% | 4,567 |
| Total risk-based capital ratio | 14.1390% | 5,011 |
| Memoranda: | ||
| Average total assets | $640,717,000 | 1,063 |
| Average earning assets | $588,919,000 | 1,058 |
| Average equity | $71,559,500 | 1,016 |
| Average total loans | $476,683,500 | 935 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0638% | 812 |
| Cost of funding earning assets | 0.7124% | 1,729 |
| Net interest margin | 4.3514% | 999 |
| Noninterest income to average assets | 1.9414% | 412 |
| Noninterest expense to average assets | 4.3975% | 574 |
| Loan and lease loss provision to assets | 0.1113% | 2,949 |
| Net operating income to assets | 0.9786% | 2,430 |
| Return on assets (ROA) | 0.9779% | 2,496 |
| Pretax return on assets | 1.4754% | 1,531 |
| Return on Equity (ROE) | 8.1427% | 2,962 |
| Retained earnings to average equity (ytd only) | 8.1427% | 1,010 |
| Net charge-offs to loans | 0.0961% | 3,878 |
| Credit loss provision to net charge-offs | 163.8177% | 1,391 |
| Earnings coverage of net charge-offs (x) | 23.3761% | 1,411 |
| Efficiency ratio | 71.9671% | 3,482 |
| Assets per employee ($millions) | 4.3794% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4346% | 6,617 |
| Loan loss allowance to noncurrent loans | 170.5832% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.1740% | 5,790 |
| Noncurrent loans to loans | 0.2548% | 5,414 |
| Net loans and leases to total assets | 68.0015% | 2,359 |
| Net loans and leases to deposits | 80.6128% | 2,372 |
| Net loans and leases to core deposits | 89.3557% | 2,100 |
| Total domestic deposits to total assets | 84.3557% | 4,033 |
| Equity capital to assets | 10.5849% | 3,067 |
| Core capital (leverage) ratio | 10.0165% | 3,540 |
| Tier 1 risk-based capital ratio | 14.1578% | 4,183 |
| Total risk-based capital ratio | 14.6191% | 4,683 |
| Memoranda: | ||
| Average total assets | $516,728,800 | 1,284 |
| Average earning assets | $480,208,800 | 1,269 |
| Average equity | $62,055,600 | 1,163 |
| Average total loans | $365,283,600 | 1,169 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 720 |
| Cost of funding earning assets | 0.7360% | 1,697 |
| Net interest margin | 4.4056% | 884 |
| Noninterest income to average assets | 0.9359% | 1,649 |
| Noninterest expense to average assets | 4.3444% | 602 |
| Loan and lease loss provision to assets | 0.0627% | 3,789 |
| Net operating income to assets | 0.4847% | 4,867 |
| Return on assets (ROA) | 0.5111% | 4,907 |
| Pretax return on assets | 0.6636% | 4,810 |
| Return on Equity (ROE) | 4.0864% | 5,180 |
| Retained earnings to average equity (ytd only) | 4.0864% | 3,783 |
| Net charge-offs to loans | 0.1410% | 3,129 |
| Credit loss provision to net charge-offs | 62.1547% | 3,252 |
| Earnings coverage of net charge-offs (x) | 6.8592% | 2,893 |
| Efficiency ratio | 84.4336% | 1,542 |
| Assets per employee ($millions) | 3.6630% | 4,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4075% | 6,716 |
| Loan loss allowance to noncurrent loans | 165.1777% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1817% | 5,896 |
| Noncurrent loans to loans | 0.2467% | 5,614 |
| Net loans and leases to total assets | 73.3500% | 1,388 |
| Net loans and leases to deposits | 89.9427% | 1,171 |
| Net loans and leases to core deposits | 95.4843% | 1,434 |
| Total domestic deposits to total assets | 81.5519% | 5,066 |
| Equity capital to assets | 12.4869% | 1,583 |
| Core capital (leverage) ratio | 11.1365% | 2,354 |
| Tier 1 risk-based capital ratio | 15.6835% | 3,360 |
| Total risk-based capital ratio | 16.1220% | 3,791 |
| Memoranda: | ||
| Average total assets | $478,399,500 | 1,395 |
| Average earning assets | $445,273,000 | 1,374 |
| Average equity | $59,838,500 | 1,212 |
| Average total loans | $342,197,000 | 1,249 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0043% | 903 |
| Cost of funding earning assets | 0.7459% | 1,734 |
| Net interest margin | 4.2584% | 1,118 |
| Noninterest income to average assets | 1.0697% | 1,340 |
| Noninterest expense to average assets | 4.1920% | 701 |
| Loan and lease loss provision to assets | 0.0766% | 3,521 |
| Net operating income to assets | 0.5889% | 4,350 |
| Return on assets (ROA) | 0.5889% | 4,535 |
| Pretax return on assets | 0.7774% | 4,400 |
| Return on Equity (ROE) | 4.7047% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.7047% | 3,258 |
| Net charge-offs to loans | 0.1795% | 2,681 |
| Credit loss provision to net charge-offs | 60.3448% | 3,011 |
| Earnings coverage of net charge-offs (x) | 6.7310% | 2,666 |
| Efficiency ratio | 81.2988% | 1,994 |
| Assets per employee ($millions) | 3.8171% | 4,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4952% | 6,711 |
| Loan loss allowance to noncurrent loans | 94.4476% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3846% | 5,328 |
| Noncurrent loans to loans | 0.5243% | 4,952 |
| Net loans and leases to total assets | 72.9857% | 1,406 |
| Net loans and leases to deposits | 89.5071% | 1,191 |
| Net loans and leases to core deposits | 95.9230% | 1,367 |
| Total domestic deposits to total assets | 81.5418% | 5,203 |
| Equity capital to assets | 12.6513% | 1,499 |
| Core capital (leverage) ratio | 11.4281% | 1,999 |
| Tier 1 risk-based capital ratio | 16.4790% | 2,948 |
| Total risk-based capital ratio | 17.0132% | 3,279 |
| Memoranda: | ||
| Average total assets | $457,157,000 | 1,460 |
| Average earning assets | $426,869,000 | 1,429 |
| Average equity | $57,219,670 | 1,261 |
| Average total loans | $323,170,330 | 1,310 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9517% | 974 |
| Cost of funding earning assets | 0.7354% | 1,955 |
| Net interest margin | 4.2163% | 1,150 |
| Noninterest income to average assets | 1.1112% | 1,204 |
| Noninterest expense to average assets | 3.9667% | 922 |
| Loan and lease loss provision to assets | 0.0654% | 3,541 |
| Net operating income to assets | 0.7562% | 3,400 |
| Return on assets (ROA) | 0.7562% | 3,540 |
| Pretax return on assets | 1.0144% | 3,284 |
| Return on Equity (ROE) | 6.0740% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.0740% | 2,640 |
| Net charge-offs to loans | 0.0226% | 3,721 |
| Credit loss provision to net charge-offs | 416.6667% | 617 |
| Earnings coverage of net charge-offs (x) | 68.7778% | 521 |
| Efficiency ratio | 76.8406% | 2,789 |
| Assets per employee ($millions) | 4.2065% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5732% | 6,735 |
| Loan loss allowance to noncurrent loans | 197.3998% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.2032% | 5,956 |
| Noncurrent loans to loans | 0.2904% | 5,684 |
| Net loans and leases to total assets | 69.5614% | 1,742 |
| Net loans and leases to deposits | 85.0771% | 1,459 |
| Net loans and leases to core deposits | 89.9583% | 1,699 |
| Total domestic deposits to total assets | 81.7628% | 5,276 |
| Equity capital to assets | 12.6588% | 1,612 |
| Core capital (leverage) ratio | 11.4968% | 1,887 |
| Tier 1 risk-based capital ratio | 17.3159% | 2,641 |
| Total risk-based capital ratio | 17.9429% | 2,880 |
| Memoranda: | ||
| Average total assets | $458,616,500 | 1,465 |
| Average earning assets | $428,056,000 | 1,436 |
| Average equity | $57,096,000 | 1,279 |
| Average total loans | $318,166,000 | 1,335 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2238% | 1,073 |
| Cost of funding earning assets | 0.8051% | 2,626 |
| Net interest margin | 4.4187% | 1,122 |
| Noninterest income to average assets | 1.5123% | 688 |
| Noninterest expense to average assets | 4.5140% | 569 |
| Loan and lease loss provision to assets | 0.3254% | 2,094 |
| Net operating income to assets | 0.4931% | 4,713 |
| Return on assets (ROA) | 0.5726% | 4,627 |
| Pretax return on assets | 0.8778% | 3,996 |
| Return on Equity (ROE) | 4.6807% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.6807% | 2,921 |
| Net charge-offs to loans | 0.2970% | 3,162 |
| Credit loss provision to net charge-offs | 157.1429% | 1,711 |
| Earnings coverage of net charge-offs (x) | 5.2198% | 3,104 |
| Efficiency ratio | 78.9934% | 2,273 |
| Assets per employee ($millions) | 4.2471% | 3,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5542% | 6,805 |
| Loan loss allowance to noncurrent loans | 182.3347% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 6,009 |
| Noncurrent loans to loans | 0.3039% | 5,720 |
| Net loans and leases to total assets | 68.4176% | 2,117 |
| Net loans and leases to deposits | 83.1676% | 1,860 |
| Net loans and leases to core deposits | 87.7455% | 2,117 |
| Total domestic deposits to total assets | 82.2648% | 5,004 |
| Equity capital to assets | 12.2443% | 1,893 |
| Core capital (leverage) ratio | 13.1361% | 1,065 |
| Tier 1 risk-based capital ratio | 16.8632% | 2,719 |
| Total risk-based capital ratio | 17.4663% | 2,994 |
| Memoranda: | ||
| Average total assets | $351,574,200 | 1,841 |
| Average earning assets | $324,823,400 | 1,830 |
| Average equity | $43,006,600 | 1,618 |
| Average total loans | $245,112,600 | 1,681 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4814% | 712 |
| Cost of funding earning assets | 0.8426% | 2,608 |
| Net interest margin | 4.6387% | 764 |
| Noninterest income to average assets | 1.4518% | 710 |
| Noninterest expense to average assets | 4.7573% | 438 |
| Loan and lease loss provision to assets | 0.3422% | 1,914 |
| Net operating income to assets | 0.5622% | 4,560 |
| Return on assets (ROA) | 0.7216% | 4,065 |
| Pretax return on assets | 0.7986% | 4,489 |
| Return on Equity (ROE) | 5.9007% | 4,380 |
| Retained earnings to average equity (ytd only) | 5.9007% | 2,760 |
| Net charge-offs to loans | 0.0494% | 4,963 |
| Credit loss provision to net charge-offs | 989.2857% | 287 |
| Earnings coverage of net charge-offs (x) | 27.8564% | 1,167 |
| Efficiency ratio | 81.3980% | 1,886 |
| Assets per employee ($millions) | 3.6069% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8522% | 6,499 |
| Loan loss allowance to noncurrent loans | 218.5610% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 6,017 |
| Noncurrent loans to loans | 0.3899% | 5,683 |
| Net loans and leases to total assets | 69.7023% | 1,970 |
| Net loans and leases to deposits | 87.2673% | 1,444 |
| Net loans and leases to core deposits | 91.8104% | 1,796 |
| Total domestic deposits to total assets | 79.8722% | 5,693 |
| Equity capital to assets | 12.6532% | 1,796 |
| Core capital (leverage) ratio | 11.5630% | 1,943 |
| Tier 1 risk-based capital ratio | 16.8514% | 2,805 |
| Total risk-based capital ratio | 17.7882% | 2,952 |
| Memoranda: | ||
| Average total assets | $323,734,750 | 2,005 |
| Average earning assets | $297,947,000 | 2,004 |
| Average equity | $39,587,500 | 1,773 |
| Average total loans | $226,767,750 | 1,810 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6567% | 528 |
| Cost of funding earning assets | 0.8549% | 2,758 |
| Net interest margin | 4.8018% | 558 |
| Noninterest income to average assets | 1.4170% | 717 |
| Noninterest expense to average assets | 4.7971% | 430 |
| Loan and lease loss provision to assets | 0.3378% | 1,952 |
| Net operating income to assets | 0.6039% | 4,353 |
| Return on assets (ROA) | 0.7606% | 3,823 |
| Pretax return on assets | 0.8793% | 4,158 |
| Return on Equity (ROE) | 6.3008% | 4,157 |
| Retained earnings to average equity (ytd only) | 6.3008% | 2,501 |
| Net charge-offs to loans | 0.0535% | 4,658 |
| Credit loss provision to net charge-offs | 901.6949% | 361 |
| Earnings coverage of net charge-offs (x) | 27.6271% | 1,128 |
| Efficiency ratio | 80.4812% | 2,104 |
| Assets per employee ($millions) | 3.2193% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7804% | 6,714 |
| Loan loss allowance to noncurrent loans | 1,380.3030% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 6,709 |
| Noncurrent loans to loans | 0.0565% | 6,537 |
| Net loans and leases to total assets | 72.6839% | 1,448 |
| Net loans and leases to deposits | 87.2938% | 1,442 |
| Net loans and leases to core deposits | 91.0183% | 1,870 |
| Total domestic deposits to total assets | 83.2636% | 4,641 |
| Equity capital to assets | 12.1485% | 2,031 |
| Core capital (leverage) ratio | 10.6287% | 2,689 |
| Tier 1 risk-based capital ratio | 15.0322% | 3,754 |
| Total risk-based capital ratio | 15.8863% | 3,975 |
| Memoranda: | ||
| Average total assets | $315,024,670 | 2,060 |
| Average earning assets | $289,641,000 | 2,056 |
| Average equity | $38,027,000 | 1,838 |
| Average total loans | $220,370,330 | 1,847 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4376% | 859 |
| Cost of funding earning assets | 0.8995% | 2,697 |
| Net interest margin | 4.5381% | 944 |
| Noninterest income to average assets | 1.4675% | 674 |
| Noninterest expense to average assets | 4.6784% | 467 |
| Loan and lease loss provision to assets | 0.4342% | 1,445 |
| Net operating income to assets | 0.3627% | 5,414 |
| Return on assets (ROA) | 0.3627% | 5,601 |
| Pretax return on assets | 0.5109% | 5,397 |
| Return on Equity (ROE) | 3.0147% | 5,710 |
| Retained earnings to average equity (ytd only) | 3.0147% | 4,744 |
| Net charge-offs to loans | 0.0262% | 4,316 |
| Credit loss provision to net charge-offs | 2,428.5714% | 128 |
| Earnings coverage of net charge-offs (x) | 52.8571% | 610 |
| Efficiency ratio | 81.3536% | 2,033 |
| Assets per employee ($millions) | 3.3129% | 5,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7661% | 6,797 |
| Loan loss allowance to noncurrent loans | 646.7181% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0935% | 6,648 |
| Noncurrent loans to loans | 0.1185% | 6,456 |
| Net loans and leases to total assets | 71.1871% | 1,534 |
| Net loans and leases to deposits | 81.8590% | 1,953 |
| Net loans and leases to core deposits | 85.4145% | 2,358 |
| Total domestic deposits to total assets | 86.9630% | 2,973 |
| Equity capital to assets | 12.3998% | 1,788 |
| Core capital (leverage) ratio | 10.2730% | 3,030 |
| Tier 1 risk-based capital ratio | 15.4868% | 3,458 |
| Total risk-based capital ratio | 16.3217% | 3,669 |
| Memoranda: | ||
| Average total assets | $313,184,000 | 2,074 |
| Average earning assets | $286,816,500 | 2,083 |
| Average equity | $37,681,500 | 1,849 |
| Average total loans | $213,820,500 | 1,919 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5711% | 1,014 |
| Cost of funding earning assets | 1.0859% | 2,760 |
| Net interest margin | 4.4852% | 1,173 |
| Noninterest income to average assets | 1.8364% | 431 |
| Noninterest expense to average assets | 4.9460% | 394 |
| Loan and lease loss provision to assets | 0.1847% | 4,346 |
| Net operating income to assets | 1.0314% | 2,079 |
| Return on assets (ROA) | 1.0314% | 2,231 |
| Pretax return on assets | 0.7366% | 4,202 |
| Return on Equity (ROE) | 7.6068% | 3,098 |
| Retained earnings to average equity (ytd only) | 7.6068% | 1,222 |
| Net charge-offs to loans | 0.1210% | 5,175 |
| Credit loss provision to net charge-offs | 224.8731% | 1,083 |
| Earnings coverage of net charge-offs (x) | 11.2183% | 1,742 |
| Efficiency ratio | 83.6152% | 1,813 |
| Assets per employee ($millions) | 3.6963% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 6,967 |
| Loan loss allowance to noncurrent loans | 259.4231% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.1617% | 6,541 |
| Noncurrent loans to loans | 0.2488% | 6,238 |
| Net loans and leases to total assets | 64.5710% | 3,064 |
| Net loans and leases to deposits | 73.8861% | 3,519 |
| Net loans and leases to core deposits | 77.4878% | 3,751 |
| Total domestic deposits to total assets | 87.3926% | 2,534 |
| Equity capital to assets | 11.6829% | 2,350 |
| Core capital (leverage) ratio | 10.9287% | 2,325 |
| Tier 1 risk-based capital ratio | 15.9642% | 3,068 |
| Total risk-based capital ratio | 16.6642% | 3,337 |
| Memoranda: | ||
| Average total assets | $239,871,000 | 2,639 |
| Average earning assets | $215,577,600 | 2,664 |
| Average equity | $32,523,400 | 2,049 |
| Average total loans | $162,872,800 | 2,462 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7457% | 780 |
| Cost of funding earning assets | 1.1409% | 2,693 |
| Net interest margin | 4.6048% | 931 |
| Noninterest income to average assets | 2.2316% | 318 |
| Noninterest expense to average assets | 5.0411% | 360 |
| Loan and lease loss provision to assets | 0.2473% | 3,532 |
| Net operating income to assets | 1.3792% | 1,204 |
| Return on assets (ROA) | 1.3792% | 1,282 |
| Pretax return on assets | 1.0778% | 3,103 |
| Return on Equity (ROE) | 9.6814% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.6814% | 934 |
| Net charge-offs to loans | 0.1225% | 4,813 |
| Credit loss provision to net charge-offs | 292.8058% | 981 |
| Earnings coverage of net charge-offs (x) | 15.6906% | 1,449 |
| Efficiency ratio | 78.6505% | 2,451 |
| Assets per employee ($millions) | 3.4967% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8398% | 6,741 |
| Loan loss allowance to noncurrent loans | 232.3729% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.2445% | 6,449 |
| Noncurrent loans to loans | 0.3614% | 6,129 |
| Net loans and leases to total assets | 67.0969% | 2,654 |
| Net loans and leases to deposits | 78.2621% | 2,928 |
| Net loans and leases to core deposits | 82.6409% | 3,237 |
| Total domestic deposits to total assets | 85.7335% | 3,360 |
| Equity capital to assets | 13.4313% | 1,397 |
| Core capital (leverage) ratio | 12.4239% | 1,467 |
| Tier 1 risk-based capital ratio | 18.2910% | 2,154 |
| Total risk-based capital ratio | 19.1697% | 2,245 |
| Memoranda: | ||
| Average total assets | $219,443,500 | 2,844 |
| Average earning assets | $197,034,250 | 2,901 |
| Average equity | $31,261,750 | 2,122 |
| Average total loans | $151,341,750 | 2,645 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7969% | 721 |
| Cost of funding earning assets | 1.1520% | 2,886 |
| Net interest margin | 4.6449% | 832 |
| Noninterest income to average assets | 2.3821% | 287 |
| Noninterest expense to average assets | 5.0894% | 344 |
| Loan and lease loss provision to assets | 0.2102% | 3,813 |
| Net operating income to assets | 1.5959% | 740 |
| Return on assets (ROA) | 1.5959% | 784 |
| Pretax return on assets | 1.2443% | 2,328 |
| Return on Equity (ROE) | 10.9649% | 1,807 |
| Retained earnings to average equity (ytd only) | 10.9649% | 671 |
| Net charge-offs to loans | -0.0014% | 6,519 |
| Credit loss provision to net charge-offs | -22,300.0000% | 6,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2256% | 2,822 |
| Assets per employee ($millions) | 3.1491% | 5,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8752% | 6,721 |
| Loan loss allowance to noncurrent loans | 244.8339% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.2390% | 6,533 |
| Noncurrent loans to loans | 0.3575% | 6,196 |
| Net loans and leases to total assets | 66.2890% | 2,971 |
| Net loans and leases to deposits | 77.8415% | 3,143 |
| Net loans and leases to core deposits | 83.0613% | 3,356 |
| Total domestic deposits to total assets | 85.1590% | 3,807 |
| Equity capital to assets | 13.9920% | 1,096 |
| Core capital (leverage) ratio | 13.1248% | 1,104 |
| Tier 1 risk-based capital ratio | 18.5975% | 1,966 |
| Total risk-based capital ratio | 19.4769% | 2,055 |
| Memoranda: | ||
| Average total assets | $212,167,330 | 2,945 |
| Average earning assets | $190,100,330 | 2,994 |
| Average equity | $30,880,330 | 2,135 |
| Average total loans | $147,370,000 | 2,730 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9492% | 530 |
| Cost of funding earning assets | 1.1697% | 3,019 |
| Net interest margin | 4.7795% | 590 |
| Noninterest income to average assets | 2.6357% | 251 |
| Noninterest expense to average assets | 5.0839% | 339 |
| Loan and lease loss provision to assets | 0.3514% | 2,452 |
| Net operating income to assets | 1.9562% | 370 |
| Return on assets (ROA) | 1.9562% | 385 |
| Pretax return on assets | 1.4682% | 1,543 |
| Return on Equity (ROE) | 13.1591% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.1591% | 564 |
| Net charge-offs to loans | -0.0028% | 6,193 |
| Credit loss provision to net charge-offs | -18,000.0000% | 6,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1052% | 3,658 |
| Assets per employee ($millions) | 3.2695% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8513% | 6,817 |
| Loan loss allowance to noncurrent loans | 321.0000% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 6,613 |
| Noncurrent loans to loans | 0.2652% | 6,456 |
| Net loans and leases to total assets | 71.4663% | 1,820 |
| Net loans and leases to deposits | 84.8084% | 1,908 |
| Net loans and leases to core deposits | 91.4915% | 2,179 |
| Total domestic deposits to total assets | 84.2679% | 4,380 |
| Equity capital to assets | 14.7911% | 811 |
| Core capital (leverage) ratio | 13.7732% | 898 |
| Tier 1 risk-based capital ratio | 19.0903% | 1,781 |
| Total risk-based capital ratio | 19.9824% | 1,841 |
| Memoranda: | ||
| Average total assets | $204,883,000 | 3,053 |
| Average earning assets | $182,949,500 | 3,097 |
| Average equity | $30,458,000 | 2,151 |
| Average total loans | $145,241,000 | 2,786 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5258% | 2,178 |
| Cost of funding earning assets | 1.4719% | 2,813 |
| Net interest margin | 4.0539% | 2,789 |
| Noninterest income to average assets | 1.5840% | 582 |
| Noninterest expense to average assets | 4.6901% | 550 |
| Loan and lease loss provision to assets | 0.2453% | 4,836 |
| Net operating income to assets | 0.3045% | 4,919 |
| Return on assets (ROA) | 0.3045% | 5,089 |
| Pretax return on assets | 0.3045% | 5,220 |
| Return on Equity (ROE) | 2.2724% | 5,270 |
| Retained earnings to average equity (ytd only) | 2.2724% | 4,290 |
| Net charge-offs to loans | 0.0461% | 6,342 |
| Credit loss provision to net charge-offs | 798.1481% | 273 |
| Earnings coverage of net charge-offs (x) | 17.8889% | 1,128 |
| Efficiency ratio | 88.6922% | 1,425 |
| Assets per employee ($millions) | 3.1828% | 5,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7898% | 6,987 |
| Loan loss allowance to noncurrent loans | 288.7435% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 6,753 |
| Noncurrent loans to loans | 0.2735% | 6,515 |
| Net loans and leases to total assets | 69.0977% | 2,739 |
| Net loans and leases to deposits | 82.2342% | 2,757 |
| Net loans and leases to core deposits | 88.7535% | 2,936 |
| Total domestic deposits to total assets | 84.0255% | 4,350 |
| Equity capital to assets | 14.9442% | 803 |
| Core capital (leverage) ratio | 13.7528% | 912 |
| Tier 1 risk-based capital ratio | 19.6595% | 1,564 |
| Total risk-based capital ratio | 20.4714% | 1,636 |
| Memoranda: | ||
| Average total assets | $175,689,400 | 3,446 |
| Average earning assets | $158,440,000 | 3,476 |
| Average equity | $23,543,800 | 2,698 |
| Average total loans | $117,010,600 | 3,381 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5358% | 2,307 |
| Cost of funding earning assets | 1.5172% | 2,867 |
| Net interest margin | 4.0186% | 3,015 |
| Noninterest income to average assets | 1.4585% | 637 |
| Noninterest expense to average assets | 4.5431% | 566 |
| Loan and lease loss provision to assets | 0.2848% | 4,298 |
| Net operating income to assets | 0.2667% | 5,291 |
| Return on assets (ROA) | 0.2667% | 5,451 |
| Pretax return on assets | 0.2667% | 5,571 |
| Return on Equity (ROE) | 2.0603% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.0603% | 4,925 |
| Net charge-offs to loans | 0.0144% | 6,472 |
| Credit loss provision to net charge-offs | 3,016.6667% | 96 |
| Earnings coverage of net charge-offs (x) | 58.4150% | 496 |
| Efficiency ratio | 88.3107% | 1,430 |
| Assets per employee ($millions) | 3.2575% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8697% | 6,836 |
| Loan loss allowance to noncurrent loans | 364.7458% | 814 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 6,968 |
| Noncurrent loans to loans | 0.2384% | 6,699 |
| Net loans and leases to total assets | 64.9145% | 3,923 |
| Net loans and leases to deposits | 77.1391% | 3,987 |
| Net loans and leases to core deposits | 85.4967% | 3,729 |
| Total domestic deposits to total assets | 84.1526% | 4,029 |
| Equity capital to assets | 15.6966% | 732 |
| Core capital (leverage) ratio | 14.9423% | 726 |
| Tier 1 risk-based capital ratio | 21.3128% | 1,312 |
| Total risk-based capital ratio | 22.1834% | 1,343 |
| Memoranda: | ||
| Average total assets | $169,482,000 | 3,591 |
| Average earning assets | $153,350,750 | 3,635 |
| Average equity | $21,938,250 | 2,925 |
| Average total loans | $111,349,000 | 3,575 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5332% | 2,394 |
| Cost of funding earning assets | 1.5713% | 2,825 |
| Net interest margin | 3.9619% | 3,196 |
| Noninterest income to average assets | 1.4098% | 637 |
| Noninterest expense to average assets | 4.4589% | 604 |
| Loan and lease loss provision to assets | 0.3951% | 3,346 |
| Net operating income to assets | 0.1571% | 5,698 |
| Return on assets (ROA) | 0.1571% | 5,818 |
| Pretax return on assets | 0.1571% | 5,872 |
| Return on Equity (ROE) | 1.3219% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.3219% | 5,223 |
| Net charge-offs to loans | 0.0168% | 6,105 |
| Credit loss provision to net charge-offs | 3,577.7778% | 111 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 591 |
| Efficiency ratio | 88.0509% | 1,502 |
| Assets per employee ($millions) | 3.1215% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 6,881 |
| Loan loss allowance to noncurrent loans | 661.7834% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 7,174 |
| Noncurrent loans to loans | 0.1297% | 7,005 |
| Net loans and leases to total assets | 68.6784% | 3,201 |
| Net loans and leases to deposits | 77.4023% | 4,101 |
| Net loans and leases to core deposits | 85.7718% | 3,867 |
| Total domestic deposits to total assets | 88.7292% | 1,587 |
| Equity capital to assets | 11.1243% | 2,750 |
| Core capital (leverage) ratio | 9.5225% | 3,788 |
| Tier 1 risk-based capital ratio | 13.6239% | 3,990 |
| Total risk-based capital ratio | 14.5024% | 4,204 |
| Memoranda: | ||
| Average total assets | $162,998,330 | 3,722 |
| Average earning assets | $148,160,000 | 3,737 |
| Average equity | $19,365,670 | 3,259 |
| Average total loans | $107,225,000 | 3,690 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4121% | 2,985 |
| Cost of funding earning assets | 1.6916% | 2,433 |
| Net interest margin | 3.7204% | 4,147 |
| Noninterest income to average assets | 1.4081% | 610 |
| Noninterest expense to average assets | 4.3668% | 666 |
| Loan and lease loss provision to assets | 0.3768% | 3,108 |
| Net operating income to assets | 0.0356% | 6,204 |
| Return on assets (ROA) | 0.0356% | 6,321 |
| Pretax return on assets | 0.0356% | 6,290 |
| Return on Equity (ROE) | 0.2898% | 6,336 |
| Retained earnings to average equity (ytd only) | 0.2898% | 5,721 |
| Net charge-offs to loans | 0.0359% | 5,079 |
| Credit loss provision to net charge-offs | 1,644.4444% | 302 |
| Earnings coverage of net charge-offs (x) | 18.0000% | 1,249 |
| Efficiency ratio | 90.3570% | 1,400 |
| Assets per employee ($millions) | 3.2735% | 5,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8185% | 7,081 |
| Loan loss allowance to noncurrent loans | 554.4872% | 582 |
| Noncurrent assets plus other real estate owned to assets | 0.3407% | 6,627 |
| Noncurrent loans to loans | 0.1476% | 7,040 |
| Net loans and leases to total assets | 61.5747% | 4,843 |
| Net loans and leases to deposits | 69.6362% | 5,398 |
| Net loans and leases to core deposits | 76.6592% | 5,171 |
| Total domestic deposits to total assets | 88.4233% | 1,842 |
| Equity capital to assets | 11.3570% | 2,460 |
| Core capital (leverage) ratio | 10.2759% | 2,834 |
| Tier 1 risk-based capital ratio | 15.0135% | 3,115 |
| Total risk-based capital ratio | 15.8262% | 3,297 |
| Memoranda: | ||
| Average total assets | $157,094,500 | 3,893 |
| Average earning assets | $142,349,000 | 3,908 |
| Average equity | $19,325,500 | 3,286 |
| Average total loans | $100,291,000 | 3,953 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9045% | 2,211 |
| Cost of funding earning assets | 1.9370% | 3,269 |
| Net interest margin | 3.9675% | 2,993 |
| Noninterest income to average assets | 1.0226% | 1,495 |
| Noninterest expense to average assets | 6.2844% | 278 |
| Loan and lease loss provision to assets | 0.5313% | 3,717 |
| Net operating income to assets | -2.3028% | 7,199 |
| Return on assets (ROA) | -2.3028% | 7,202 |
| Pretax return on assets | -2.3475% | 7,086 |
| Return on Equity (ROE) | -15.0944% | 6,940 |
| Retained earnings to average equity (ytd only) | -15.0944% | 6,891 |
| Net charge-offs to loans | 0.2441% | 5,092 |
| Credit loss provision to net charge-offs | 354.1985% | 912 |
| Earnings coverage of net charge-offs (x) | -12.1069% | 7,169 |
| Efficiency ratio | 138.7237% | 397 |
| Assets per employee ($millions) | 2.7164% | 6,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7650% | 7,219 |
| Loan loss allowance to noncurrent loans | 465.3846% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.4029% | 6,446 |
| Noncurrent loans to loans | 0.1644% | 7,014 |
| Net loans and leases to total assets | 65.4159% | 4,297 |
| Net loans and leases to deposits | 76.1970% | 4,710 |
| Net loans and leases to core deposits | 120.2277% | 1,934 |
| Total domestic deposits to total assets | 85.8510% | 3,083 |
| Equity capital to assets | 13.4190% | 1,357 |
| Core capital (leverage) ratio | 13.1244% | 1,218 |
| Tier 1 risk-based capital ratio | 16.8311% | 2,194 |
| Total risk-based capital ratio | 17.5973% | 2,324 |
| Memoranda: | ||
| Average total assets | $87,327,200 | 5,475 |
| Average earning assets | $75,840,800 | 5,608 |
| Average equity | $13,322,800 | 4,425 |
| Average total loans | $53,670,200 | 5,519 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0782% | 1,726 |
| Cost of funding earning assets | 2.0496% | 3,119 |
| Net interest margin | 4.0285% | 2,688 |
| Noninterest income to average assets | 0.9840% | 1,662 |
| Noninterest expense to average assets | 6.3379% | 271 |
| Loan and lease loss provision to assets | 0.3426% | 4,273 |
| Net operating income to assets | -2.2724% | 7,399 |
| Return on assets (ROA) | -2.2724% | 7,391 |
| Pretax return on assets | -2.2724% | 7,272 |
| Return on Equity (ROE) | -14.0618% | 7,136 |
| Retained earnings to average equity (ytd only) | -14.0618% | 7,077 |
| Net charge-offs to loans | 0.3936% | 3,694 |
| Credit loss provision to net charge-offs | 146.8750% | 3,306 |
| Earnings coverage of net charge-offs (x) | -8.2735% | 6,895 |
| Efficiency ratio | 141.4634% | 368 |
| Assets per employee ($millions) | 2.2091% | 7,603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6966% | 7,378 |
| Loan loss allowance to noncurrent loans | 232.3077% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6368% | 5,853 |
| Noncurrent loans to loans | 0.2999% | 6,761 |
| Net loans and leases to total assets | 66.4348% | 4,323 |
| Net loans and leases to deposits | 76.0347% | 5,037 |
| Net loans and leases to core deposits | 112.3163% | 2,989 |
| Total domestic deposits to total assets | 87.3744% | 1,964 |
| Equity capital to assets | 12.3119% | 2,058 |
| Core capital (leverage) ratio | 10.3341% | 2,943 |
| Tier 1 risk-based capital ratio | 13.0968% | 4,124 |
| Total risk-based capital ratio | 13.7788% | 4,471 |
| Memoranda: | ||
| Average total assets | $73,167,000 | 5,945 |
| Average earning assets | $62,188,000 | 6,098 |
| Average equity | $11,823,750 | 4,842 |
| Average total loans | $43,361,750 | 6,006 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1554% | 1,605 |
| Cost of funding earning assets | 2.1238% | 3,166 |
| Net interest margin | 4.0316% | 2,574 |
| Noninterest income to average assets | 0.7275% | 2,825 |
| Noninterest expense to average assets | 6.6087% | 259 |
| Loan and lease loss provision to assets | 0.1596% | 5,467 |
| Net operating income to assets | -2.6613% | 7,603 |
| Return on assets (ROA) | -2.6613% | 7,593 |
| Pretax return on assets | -2.6613% | 7,464 |
| Return on Equity (ROE) | -14.7249% | 7,316 |
| Retained earnings to average equity (ytd only) | -14.7249% | 7,222 |
| Net charge-offs to loans | 0.1550% | 4,645 |
| Credit loss provision to net charge-offs | 185.7143% | 2,465 |
| Earnings coverage of net charge-offs (x) | -29.1071% | 6,581 |
| Efficiency ratio | 158.0717% | 337 |
| Assets per employee ($millions) | 1.8332% | 7,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8561% | 6,955 |
| Loan loss allowance to noncurrent loans | 108.5938% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.2120% | 4,510 |
| Noncurrent loans to loans | 0.7884% | 5,658 |
| Net loans and leases to total assets | 64.2484% | 4,932 |
| Net loans and leases to deposits | 75.9567% | 5,184 |
| Net loans and leases to core deposits | 117.5392% | 2,587 |
| Total domestic deposits to total assets | 84.5855% | 3,458 |
| Equity capital to assets | 15.0912% | 1,013 |
| Core capital (leverage) ratio | 11.9436% | 1,858 |
| Tier 1 risk-based capital ratio | 16.1297% | 2,579 |
| Total risk-based capital ratio | 16.9642% | 2,660 |
| Memoranda: | ||
| Average total assets | $65,156,330 | 6,254 |
| Average earning assets | $54,618,330 | 6,443 |
| Average equity | $11,776,000 | 4,875 |
| Average total loans | $36,140,000 | 6,396 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5281% | 4,767 |
| Cost of funding earning assets | 2.0015% | 4,118 |
| Net interest margin | 3.5265% | 4,626 |
| Noninterest income to average assets | 0.4721% | 4,575 |
| Noninterest expense to average assets | 6.3106% | 262 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -2.8860% | 7,824 |
| Return on assets (ROA) | -2.8860% | 7,830 |
| Pretax return on assets | -2.8860% | 7,732 |
| Return on Equity (ROE) | -14.4757% | 7,583 |
| Retained earnings to average equity (ytd only) | -14.4757% | 7,407 |
| Net charge-offs to loans | 0.2278% | 3,278 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | -25.5294% | 5,676 |
| Efficiency ratio | 184.2718% | 227 |
| Assets per employee ($millions) | 1.7708% | 8,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1358% | 5,218 |
| Loan loss allowance to noncurrent loans | 142.9658% | 2,249 |
| Noncurrent assets plus other real estate owned to assets | 1.4282% | 3,796 |
| Noncurrent loans to loans | 0.7945% | 5,451 |
| Net loans and leases to total assets | 48.6365% | 6,973 |
| Net loans and leases to deposits | 59.1894% | 6,958 |
| Net loans and leases to core deposits | 91.2302% | 5,437 |
| Total domestic deposits to total assets | 82.1709% | 4,481 |
| Equity capital to assets | 17.4991% | 671 |
| Core capital (leverage) ratio | 16.1304% | 763 |
| Tier 1 risk-based capital ratio | 21.6535% | 1,347 |
| Total risk-based capital ratio | 22.6162% | 1,357 |
| Memoranda: | ||
| Average total assets | $60,153,000 | 6,468 |
| Average earning assets | $50,361,000 | 6,646 |
| Average equity | $11,992,500 | 4,836 |
| Average total loans | $29,856,000 | 6,774 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7159% | 8,274 |
| Cost of funding earning assets | 0.3104% | 8,220 |
| Net interest margin | 0.4055% | 8,273 |
| Noninterest income to average assets | 0.0895% | 7,690 |
| Noninterest expense to average assets | 0.7850% | 8,234 |
| Loan and lease loss provision to assets | 0.2548% | 4,370 |
| Net operating income to assets | -0.6266% | 7,021 |
| Return on assets (ROA) | -0.6266% | 6,917 |
| Pretax return on assets | -0.6174% | 6,756 |
| Return on Equity (ROE) | -5.7218% | 6,938 |
| Retained earnings to average equity (ytd only) | -5.7218% | 6,627 |
| Net charge-offs to loans | 0.0865% | 5,511 |
| Credit loss provision to net charge-offs | 504.5455% | 862 |
| Earnings coverage of net charge-offs (x) | -7.1818% | 6,870 |
| Efficiency ratio | 185.8696% | 230 |
| Assets per employee ($millions) | 1.8282% | 8,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 2,800 |
| Loan loss allowance to noncurrent loans | 85.2495% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 1.9503% | 2,520 |
| Noncurrent loans to loans | 1.7325% | 3,167 |
| Net loans and leases to total assets | 49.4483% | 7,075 |
| Net loans and leases to deposits | 64.5444% | 6,754 |
| Net loans and leases to core deposits | 90.0244% | 5,794 |
| Total domestic deposits to total assets | 76.6113% | 6,093 |
| Equity capital to assets | 23.0303% | 314 |
| Core capital (leverage) ratio | 18.9572% | 514 |
| Tier 1 risk-based capital ratio | 28.7619% | 712 |
| Total risk-based capital ratio | 30.0340% | 700 |
| Memoranda: | ||
| Average total assets | $43,568,600 | 7,047 |
| Average earning assets | $35,757,600 | 7,250 |
| Average equity | $4,771,200 | 7,218 |
| Average total loans | $25,447,400 | 6,997 |